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I had to book in to go to your annual review this morning. Is now still a good time there for you? Yep. Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address on file. Yep. Yep. Yep. Beautiful. Thank you so much for that. Adam, as part of your annual review, we do normally send through some documents for you to view with us. Are you able to access your email so at the moment? If you can't, that's okay. Yeah. Beautiful. I'll send those through to you now if you're able to jump into your email there. It does it comes from OdooSign and or it could just come from Zaynah at Odoo Financial as well. Okay. Excellent. How's your morning been so far? No. It's still early. Oh, we are. Yeah. Yeah. Yep. I actually I can live in New South Wales, so we're on the same time zone for a bit longer. But I work in Queensland, so I see it in Southport on the Gold Coast. But I live over the border in New South Wales. So I probably jump every summer. There we go. Beautiful. Now it says that it has sent through to you there. Has that come through there at all? Beautiful. Excellent. So when you jump into those documents there, the first one you should see is the summary of superannuation and insurances there. Can you see that one? Click that one there. Yep. And it'll take you so you can review each of the individual documents and move through them. Beautiful. So with the first document there, the summary of the branduation and insurance, it's just giving you an update of your balance. So as of today's date, we're sitting at $0.5.24 $469,355.68 there. When I look back at your annual view last year, your balance was about $398,008.71. So there has been a bit of an increase, albeit the market has been a bit volatile this year. So the increases have been generally a bit lower than what we kind of expect. But I did do a bit of a review of everything prior, so I'll take you through all of that in a moment. Underneath that, you've got your care super. So we obviously kept care super in place to retain the insurances that were held within the fund there, and you've also got the top up cover on top of it. With your care, Super, the reset is from a bit longer ago from last year because we haven't been able to get a new third party authority applied to the account. As part of the annual review doc today, we do have a third party authority form attached. So if you can sign and return that back with the other documents there, we can have that applied so we can update the the additional balance there. Because and then part of the advice that Tommy provided last year was that there was to be a rollover, so there's probably it's gonna be a different balance of what you can see there. Okay? Excellent. Now yes. Yeah. It looks like you've got the the care suit for the life and the CBD policy there, but then we've also got an AIA policy noted here as well. So it gives you some additional life, total permanent disability cover, and looks like income protection there as well. I'm kind of looking at that at the moment. So let me just go in here for you. I'm having a look back at your last advice to see if anything was kind of noted there. Because the last documents I had for annual review only noted the care supervisor. There was no additional AIA policy on top of that. And when Tommy provided this this Sorry. You're right, sir. Yeah. Yeah. Interesting, isn't it? I've got I can see that you had a stroke as well in the last couple of years. Is that right? No. That's okay. You've had a stroke in the past. Is that right? Yeah. Yeah. Wow. Yeah. That's not got a security currency here at all. Let me check if you see if there's any because it says that those are being paid out of POG 24. Let me see if there's any insurance premiums coming out. Because, yeah, I haven't looked at, like, the super and everything. I've just been looking at this stuff and we're going it says it's a lot of AIA insurances here as well. You don't remember ever applying for or going through, like, the underwriting process to apply for any additional coverage that was accepted? No. Interesting. Paid until there's definitely nothing coming out of here. Nothing coming out of there. There's Mississippi of the time being noted there. Leave that one with me. I'll go so I can get to verify because I don't think that is accurate either. I just there's nothing coming out of your hub twenty four account. I'm not sure where they pulled those figures for, but there is definitely I'm just logged in to AIA, and there's definitely nothing to the end of your name that I can see at the moment. So ignore that one for the moment. I do apologize about that. That's not accurate or good. I don't like that at all. So I will go back and get them to re clarify. If there is anything that we've been able to find that just hasn't kind of been brought up in the past, I'll let you know. If that's definitely not accurate, then I'll let you know there. But let's kinda focus on the care super insurances for the moment there. So looking at your life and CPD, I know that you're well aware that you're not really able to gain new color at the moment due to the heart condition and your previous health history. But in the event of passing so if you focus on what you've got at the moment, the life and TPD, or is this the life to start with, If you were to say pass away based on the current benefit, you've got 200 and one thousand two hundred and fifty, but then your sister is also released on top of that. So we've got some care as well as you have 24 benefits. It realistically gives you a little over 600 of thousand dollars there, 600 and nearly 70,000, essentially. Are you sort of happy with that? What would you want that to cover? Because having a look, your mortgage is a little bit higher than that. Is that right? Yeah. So then it would pay off most of the mortgage or could sort of be paid out, you know, to look after your family. You've got three kids. Is that right? Yep. Beautiful. And where do you sort of want that benefit to be paid paid to? What would you want them to be able to do with that benefit? Yeah. Yeah. It's always up to them. We always say, this is what we want you to do with the funds, but it always sort of comes down to what they would wanna do. If in the event you were to say pass away, does your wife work? Is she working currently? Yeah. Okay. Perfect. So realistically, she could, you know, draw the funds down. It's based on your mortgage, last time we checked your mortgage, we're just sitting at 890,000. Has that kind of reduced a bit since you last caught up with us? That's okay. You're fine. Okay. Beautiful. Definitely. It's in there. Are you sort of paying more on top of that at the on top of the mortgage at the moment to try and reduce it as quickly as possible? Yep. Okay. Beautiful. And in savings, how much do you have sitting in there at the moment? Yep. Beautiful. Fantastic. R15,000. Excellent. Lovely. Yeah. Of course. Yeah. Of course. Understandable. What I'll do is after the call, I'll go back. I'll get my admin team to have a little look into it to find out why it was even noted there. I can shoot you an email after the call to let you know once they've done the investigation to what the deal was and yeah. Whether there's actually anything there. Because, I mean, realistically, if there's some sort of older policy that's found, great. Let's look at that. Let's, you know, see what it does for you. If they unfortunately haven't and then put it there by mistake, then that's not okay. That should should not be noted because I don't wanna give you false hope. Absolutely. Excellent. All good. With the TBD cover, now do you understand how total permanent disability cover works, what it means, how it's paid out, things like that? Got a good understanding of that? Beautiful. So you do have the same level of CBD within your care through there as your life cover. In the event of the CBD claim, we can also claim incapacity against the super benefit there. So what I'd be sort of lacking to do, because you do have that gap in the risk side of things, is try to boost the super as much as possible. So it provides a greater benefit in the event of a claim long term, as well as providing for your long term retirement needs down the track there as well. With your super side of things, are you, with your expenditure at the moment, are you finding with your with the way living costs are that you have extra money to maybe be able to put in the city because of a biodegraded benefit, or is it not really a possibility now? You're not really wanting to do that? Yep. Just the school fees and living expenses is not possible. Yes. Yes. Absolutely. No. That's okay. That's not a problem at all. We'll make a note to sort of look at that and leave this down the track. Not an issue. And with your retirement goals, we had done that you're sort of hoping to be able to retire fully access to around about the age of 60. Is that still your goal age, or has that sort of changed? Yeah. That's okay. We'll work on that for you. Not a problem at all. Retire as soon as we possibly can so we can enjoy our life while we have the chance to. Fantastic. Excellent. Now if I can get you to move to the next document for me, the next one along is the performance with internal rate of return. This is sort of showing you how all the individual within your super has performed over the past twelve months there. Having a look at things now, this is where I sort of did a little bit of booking ads over the beforehand. I'm gonna be really honest with you. There is something that sort of flagged with me that I'm gonna take to our senior management team and have already brought up with them. Tommy gave you some advice last year, but that was around about late last year where he had recommended to change the investment portfolio there. He had recommended just to keep it in that growth environment but to sell some of the underperforming investments and to remove that down along Australian equities investment. Do you remember going through that with him? Yeah. Beautiful. Unfortunately, it did looks like it hasn't actually gone through the swap. So you still do technically have that along Australian equity in your investment portfolio, and that is pulling things down a little bit. So I wanted to stand out a little bit. Hey. I've done this investigation for you. I can see this is here. This should not have been here. I'm honestly not very happy with how with it still being there. It is still holding your portfolio back a little bit. All the other investors have been performing quite well. Sorry. You're right here. It is. Correct. Yeah. Correct. Correct. And then along has had a bit of a volatile year. It had started sort of taking a bit of a dip at the end of last year, and that's when sort of Tommy had provided that advice to sell you out of the Benelon Australian Equities, and he was just looking to move you into another active loan that is done called Alfinity. So it looks like that investment switch did not go through. So you still have the Benelon. It's just being it's just being missed. It looks like it has been a bit of an administration error. They've started the implementation, and it hasn't been completed. So I will go back to our senior management team, and I've already flagged an email to send off shortly to say this would be advised. It's not how has not happened. The way this sort of works for you is our senior management team will go back and investigate wholly as to what happened, where the the process fell down. They will look at the portfolio that was originally recommended for you in that last advice document and look at how this portfolio has performed as well. If the newer portfolio that you were recommended has performed better, it'll go through remediation, and OP Financial should remediate you and put a bit extra money in system to replace, essentially the loss that has been seen as a result of that error. No. No. It's definitely not okay. Absolutely. Yep. Worst off. Yeah. No. No. Absolutely. I do understand that, and I'm definitely not happy that this occurred for you. It's certainly not the first call I wanted to make this morning, so I can only apologize for that. It's something I found as part of doing the research for your annual review. I'm also not entirely happy that the admin team doesn't just add an AIA policy to your other documents as well. So I'll go back and just have a bit of word about the accuracy side of things. Obviously, we I certainly expect a lot more from my team, and they would expect a lot from from me. You pay for our services, and you expect a lot more from us as well. So we've definitely let you down in that department. I'm not impressed about it. I wanna do the right thing by you, so I will flag it with our senior management team. They will look at it, investigate it, and remediate you. I do have to let you know that if we find out that this portfolio, albeit, is a little bit lower than we expect, has performed better than the recommended, there would be no additional remediation made. But, I mean, Venalong is down pretty heavily, so I generally have no deposit investment that performed better than Venalong because of what's kinda going on there. So I will flag that with you, and I'm very sorry that that occurred. With everything else within your portfolio, though, most other things have performed really well. Looking as a whole, you think hybrids are they are more of a defensive investment. You've got global cybersecurity, and they're up over 7%, which is quite nice. So the other side of the Australian equity portion is really sort of look at then along being down isn't just about the market because the market has been very up and down this year. Overall, market haven't performed as they have over the past couple of years, and this year that the average return in super and in investments is down a little bit as well. But the third investment down there, the that's the beta of the Raffy. That's Australian equity. It's giving you access to exposure into some of the, you know, biggest 200 companies on the ASX within large and mid cap space. And essentially, that's up to 13.92%. So to see Australian equity is actually doing really well at the moment, but to see it's been a long down sort of shows you guys issue within the fund itself and not and not because of the market as a whole. Okay? We've also got the battery lithium tech, which has been one of your best performers up over 35% of the portfolio currently. Physical goal again has done quite well. We have had a bit of volatility within that this year. For composite bonds, the bonds have taken a little bit of a hit. You're still showing a positive return there, but bonds have taken a bit of a hit in the market this year with the high inflationary pressures within Australia. And the S and P 500 is, again, doing really well, so that has taken a bit of an up and down. We with what's been happening globally, US and Australian equities have sort of seen that up and down trend. But overall, this year has come out with a positive return, so it is good to see. The property side of things there is a little bit low. That is a lot to do with what sort of being happening with the legislative side of things. So there's been updates and changes to capital gains tax, maybe with gearing, and also borrow within stuff on your super fund side of things. The property has taken a little bit of a hit after all those changes there. It is down within the portfolio. Realistically, I would like to sort of put this through and look at getting the remediation sorted for you, but I'm there are some changes that we could definitely look to make within the portfolio as a whole. I wanted to find out from you if you would like me to go back and maybe update it by update the portfolio and make some changes to reflect or whether you would just like me to go to the remediation, have this completed, and then we come back and talk about making changes and altering your portfolio for the future. What is more what would you like me to do? How would you like me to attack this for you? Yep. Yep. Happy for both. Beautiful. Just wanted to make sure you're comfortable with me going at it wholeheartedly. I'll just we'll get remediation in the background. Yes. Beautiful. And I'll update the portfolio. I think I'm looking at sort of maneuvering the property side things as well. Property has had a a bit of a hit. We don't know what it's gonna do down the track, so we could look at investing in property in other ways within the fund. Sorry. You're alright. Yeah. Yeah. Yeah. No. Completely understandable. The other thing that we'll be changing down the track is the bank hybrid. So these are the defensive investment. I'm more of a complex investment. The bank the government has come out earlier this year saying they are gonna look at phasing those sorts of investments up down the track. They are trying to streamline and make investment products a little bit easier for the average everyday Australian to understand, and big hybrids are a little bit like bonds and a little bit like shares. They're kind of a combat hybrid investment where they you're basically putting money into the banks and getting an income back, but they're also tradable and grow like shares. So they are very complex. They can be, but they're more defensive to the low risk because they tend to get a low rate of return, but there is still a risk factor with them. If you sort of think back to the DFC where, you know, banks were building these different hybrid products, They work really well for a period of time, but then they do also have that downside to them. And, you know, if banks tend to go fast, so if things have a, like, the DFC, then these sorts of investments can also have a very high risk component with them. So I'd probably like to go back, reevaluate that, and because that does have to be removed out of the portfolio eventually, we could look at maybe updating that now for you, making some changes now. That way, over the next couple of years, we hopefully won't have to make such big changes, and that allows the portfolio to compound a little bit better for you. How does that sound? Yep. Beautiful. The other thing to sort of think about is when Tommy did the advice last year, he was recommending to replace the banner long Australian equity with a with a fund called Alfiniti. It is an actively made fund there as well. When you tend to have these sorts of active managers within your portfolio, you do pay a little bit more in the way of fees for those sorts of things. If you want me to sort of keep that active management in there, active managers are trying to outperform against the market. There's definitely no guarantees they're going to. And as I said, you do pay a little bit more for that. Or I can sort of get that the portfolio to make it more passively managed, make it, you know, more ETF, market tracking, and make it more lower cost for you. So fees so more money's left in your portfolio working part of the you. Would you like to have that active management side, or would you like to just focus on low cost in your portfolio? What's more important to you? Mhmm. Well, realistically, with where you are, you've got about twelve years before you're able to access super at this point. So focus on your birthdays coming up in the next few days there. Essentially, with where you are, you you are young enough to take on a little bit more risk in the market to have those active managers in there. That's absolutely fine. I can look at a portfolio which maybe has a little bit of active management in it, is still low cost, is still ETF and easily accessible, and doesn't have anything like analog in it. Would you like me to sort of look at I can look at the best of both worlds and sort of allocate that for you if that would work for you. Yes. That's okay. I know I bet you a lot, and this has been probably not the conversation you thought it was gonna be today. But do you have any questions for me at the moment? Anything that you want me to kind of reflect on or anything that you might want me to touch on that I haven't yet? Yes. Mhmm. Yeah. Correct. Absolutely. Absolutely. And if you look at the next page there, with your portfolio as a total net of fees, it is has performed about eight point sorry. 4.83% after fees. It's after admin fees, out fees, everything. But that 4% of your portfolio over the past twelve months has averaged you 30,153 in dollar figures. So whilst it is still a good good dollar figure, it is a low net return for the year. A lot of it is held back because of that banner long, and I do kinda wanna build on that. But it would have been good to see a much greater return there and see definitely a higher earning figure because it sort of shows what your portfolio can do if it was sort of set up correctly, essentially. But yeah. I can pull that up for you. Have a look. 2025 annual review. There we go. So in the 2025 annual review, the return there was 12.54%. It was much higher. Yeah. Banner loan was still at a lower point. It was up still by 3%. But yeah. I mean, there are gonna be years when you don't get the average return that you're after that is gonna be because of market ups and downs. We do expect a negative year. But when we see a negative year, we sort of wanna understand and see that, you know, the S and P five hundred is down, that the ASX is down. You wanna see those passive investments taking a hit as well. You don't wanna see the ASX, the S and P five hundred doing really well, but your return being low because then that's more of a trigger that it's the portfolio that's not working. It's not the market as a whole. If we were in, you know, like, the COVID event or the DFC sort of event or if markets have taken a big dip like they did in around March and April because of what was happening, you know, between The US and Iran war and Trump tweeting, you know, each day, those sorts of events you go, yeah. Okay. The market's down. I expect my portfolio to sort of follow that trend and be down as well, and negative returns expected in those instances. However, having everything else actually performing quite well but seeing a very low return, you can sort of figure that it's probably got to do with one of the investments within their holding it back a little bit. So that's kind of where I've come to by looking at all of those outcomes for you. Okay. Yep. Beautiful. Does that make any does that make sense? Do you have any additional questions on any of that at all so far? Or that's okay. Beautiful. Thank you so much for going through that with me. The next document attached are the the we've got the sorry. The Vanguard index chart there for you. That's essentially a bit of a a guide showing you how markets react over time. I believe you have a shared portfolio in your own name as well. Is that right? Yeah. Yeah. Value we had on that was about a 100,000 last year. Has that increased in value recently? Is that a bit higher at the moment? Yes. Yeah. I love you. Yep. Yep. Yes. Yes. It's a bit like that. I understand that. Are you sort of hoping too long term to sort of hold on to those shares and maybe sell them down in retirement for additional cash or maybe just hold on to them and pass them on to your family? What's your sort of goal with that? Do you have a goal with those shares? Yes. K. Yep. Yes. Beautiful. No. That's okay. That's excellent. Well, with this Vanguard chart, I mean, as I said, you've got some shares in your own nature. You sort of understand how markets go up and down. I'm more than happy to talk you through this if you would like to, but I also am sure someone's gone through this in the past with you. But it just gives you a bit of an idea on how markets react and how markets trend over time and that to get the higher returns to take on a bit more risk, but we understand there's also the the chance of a dip within the market over a period of time as well, and we wanna make sure that we get safer that you are invested in a portfolio where you're not gonna be accessing at the downtime. So, essentially, as you get closer to retiring, we'll start to reduce your risk level in the market, drop it down in generally in 10% increments, so it's a gradual step down. So by the time you get to accessing super, you've hopefully got a good a good balance within super. We are expecting a lower rate of return inside those years, but we're in more defensive income producing assets that will help to draw down your income through that time frame. Does that make sense? Yep. Beautiful. The next document along is the OCE Financial Services Guide. This is more of a a legal document. We do provide that to everyone that outlines who we are, what we do, how we do it. Tommy, myself, all the other advisers, we are, like, noted in here with a lovely glossy photo, a bit of information on us, but also what's important is our licensing information. So we are full licensed advisers, or we're all registered through ASIC, and all that information is in here for you should you wanna go to and have a bit of a read of that. It does also update all about changes in the business and things like that. Having a look at the next document is the ongoing service agreement for the next twelve months there. So, obviously, I wanted to stand up and let you know there have been some things that have gone wrong this year. It's, you know, not something I'm very happy about. I wanna go back and make sure that the team look after that for you. We do have to you know, if you wanna stay on board the next twelve months, go through and just resign the ongoing service agreement for the next twelve months. Our fees are changing a little bit down the track. It's not affecting you at all this year. We're still keeping everything the same this year. But next year, all of our fees actually becomes more of a key structure. So when your balance is 200,000, it drops down from the 1.65% tier into the next tier down, which is 1.375. Once you balance it over 500,000, it drops down to the next tier. So, essentially, as your balance increases, we drop down into a different tier structure. And every year, as part of your annual review like this document, it outlines the expected fee based on the percentage of 1.65%. What we'll essentially do at any review time is we'll go back and work out the exact dollar figure of the of the ongoing service agreement for that twelve month period. We do add 5% growth onto the total, And then we will show you as a dollar figure how much you're gonna pay for the year. Unlike the previous years where it's 1.65%, but it does fluctuate with the market. It goes up and down. It means that when the market goes down, our fee takes a bit of a dip there with it. However, when the market does see, like, a 10 or 20 or 30% increase, then, obviously, your fee increases there with it as well. That also encompasses contribution. So if your contributions are going into your super fund and you're seeing know, a lot of growth, that 1.65% has always been based on the total balance. So it is also being paid on top of the contributions going in. What we'll be doing is looking at your total balance, seeing where you sit within the tier structure there, and working out the total fee for the year. It won't be an estimate. It'll be a set dollar figure. So you know you will not pay any more than that amount for that year. It'll be a lot more clarity for you. Does that make sense? And do you have more questions around that at all? Yeah. Beautiful. It's one of the things that I sort of brought up in the past was that this is always giving you it's 1.65%. It's always giving you an estimate on how much the fee is, but that can fluctuate depending on what the market does, whereas this new fee structure will give you a lot more clarity around how that works. I believe that as one of the emails, the newsletters we sent out a few weeks back and I had a bit of back in there. Do you remember receiving that newsletter? Did you have it read through it at all? No. That's okay. It is in the financial service guide that I've got here for you as well. So before you sign those documents, if you wanted to take some time to have a read through that one, let me know if you do happen to have any questions. The main reason for changing, obviously, the fee structure is that the cost of everything advice the or just based around what we do. A lot of that has changed over the past couple of years, and we've never changed that fee structure. It's always been exactly the same. So we wanted to make it a little bit more client friendly. So it does mean that as your super balance increases over time, you drop into the next tier down, which reduces the percentage which you're paying on your fees. It does also mean that instead of capping our fees at 600,000 moving forward, they're capped at 2,000,000. So by reducing the overall percentage each fee over the longer term as your balance grows, you'll pay a little bit more for our services, but the percentage you pay that on is decreased as your balance increases. So it's about making sure that growth is still occurring. And by having a set dollar figure noted out, it's giving you more certainty around what our what the fees are for our services that year so that you're not, you know, estimating what it could be depending on market change is essentially is is designed to give you more clarity around that, but make sure that we're being remunerated for our services because of a lot of what we do behind the scenes. The advice we do provide, all that is included in our ongoing service fee. We don't charge additional implementation fees for advice around super and insurances and things like that. So it's about making sure that it's all incorporated correctly, and the cost of everything has increased. The cost of living has increased. The cost of running a business and providing advice has also increased as well. So I just wanted to clarify that for you and make sure you have all that information. And the ongoing the financial services guide has a nice big breakdown of that for you for you to run your eyes over as well. If you find you have any questions, you're welcome to let me know. Does that make sense? And do you have any additional questions on that at all? No? That's okay. Forward? Beautiful. You'll be able to take that back and have a look at the documents prior to signing onboard. I'll go back and see if I've seen your management team, get the remuneration side of things in place, and then I'll also get it back and update the advice for you, reassess everything. As I kinda mentioned, the last document in there is the third party authority for CareSuper. We do need to have a new one signed to be able to do the research around the balance you have, the insurance within there for you, and also how things are invested. We'll go back and research all of that once that document comes back, and we're able to apply that to the account so that we can kind of update the advice for you and have it all reflective and also get the remuneration sorted for you nice and quickly. Okay? Is that it's up to you. You we do ask that you sign it all and send it back to us as soon as possible. However, if you wanna take it back and read it first, I have no qualms with that. I'm more than happy for you to give it a day or a week, whatever you're comfortable with. Obviously, we do need the ongoing service agreement back by us providing any new advice because we provide it under the guy that you're an ongoing client. But at the same time, you can start it now if you're comfortable to. If you don't want if you wanna go back and read things first, that's absolutely fine. I have no problems with that. I would rather do it at a comfort level that's right for you. Yeah. That's correct. Yeah. So no. It's a third party authority there which will have applied the funds. Yeah. All good. Beautiful. Did you want me to send you an an email copy of those signed documents to kick us the record for yourselves as well? I'm happy to do so. Yeah. Yeah. Absolutely. Not a problem at all. Beautiful. The last thing I thought I wanted to do was just to go through and update a few additional details that I have here for you. Your income that we had noted down last year was about 230,000. Have you been lucky enough to have a pay rise since then? $2.40. Beautiful. Excellent. Lovely. I've got down so expenditure wise, you sort of made mention that life is pretty expensive. You're not really sort of saving anything. Are you managing to put anything away into a savings account on a regular basis that you would quantify at all? Yeah. No. That's okay. That's absolutely fine. I think last week we had it noted, Daniel, we're managing about $500 on a weekly basis. Would it be less of that, do you think? Yep. Beautiful. Excellent. I've also got down here the other additional goals. You were looking to build that cash buffer for emergencies under 10,000. You've got that 15,000 sitting in the savings there as well. Are you still looking to build on that as a bit of an emergency fund, or is that kind of that goal fully met? Yep. Yep. No. That's okay. I did the braces thing with my kids. That's expensive. All good. And then the any other things I've sort of got here, we're looking to, you know, pay off your mortgage as much as possible, directing most of your cash flow towards your mortgage goal. Is that that still feels fairly relevant moving forward trying to pay that down? Are you hoping to try and have that mortgage completely gone by retirement, or do you feel like because the time is sort of about twelve years away, there's a possibility that you'll still have that mortgage in those years and maybe wanna draw on to cover the difference? Or how do you feel about the mortgage and moving forward with that goal? Mhmm. Yeah. Yes. Yep. Beautiful. I'll add that down as a future goal that we'll sort of keep track of. Fantastic. Excellent. Other than that, do you have any other goals that you're looking to achieve over the course of the next twelve months or even next five years at all? Mhmm. Yep. Absolutely. Yeah. No. Not a problem at all. And, look, I would like to maybe do a few more catch up with you. I think a lot of this you have that review with Tommy last year, if I could go through. But I do kinda feel like doing a catch up with you a little bit more often, maybe once every six months might mean that we can kind of flag things a little bit quicker with you as well. If I see something dropping in the portfolio, we can always come back and readjust it. We don't have to wait for an annual review, and it can then we can flag things a little bit quicker when markets aren't working as well. Would you be comfortable if I set a catch up for you once every six months to sort of touch base on those sorts of things? Yep. Beautiful. Fantastic. I'm trying to sort of having a look at the process and how things have gone for the last few years. I've kinda set up a book now where I've been able to take on a bunch of clients. You're one of those. And if you decide I'm not your adviser, that's obviously okay. But I wanna sort of take it back to basics a little bit more and sort of have those catch up more regularly so we can fly where markets are up and down, talk you through what's happening, and and understand what's going on in in the portfolio. So when we have a negative year, we understand why we understand what's happening happening and reflective of the market as a whole. But where, say, your portfolio hasn't been updated correctly or if it's just as an underperforming investment, that we can look to flag that and update advice a bit more appropriately for you. Does that sound okay? Yep. Beautiful. Fantastic. The only other asset I had on here was your vehicle. Last time we caught up your asset the value, sorry, was about 15,000. What would you value your vehicle at now, do you think? Yep. Okay. Beautiful. Is so at least it's true, like, cellular packaging? Yep. Beautiful. Excellent. Fantastic. And the last thing to do is just to go through a really quick risk profile questionnaire just to kinda gauge whether you are investing correctly. Realistically, with your time horizon. You still do fit within the portfolio that you're in, but I just had a couple of questions to kinda gauge whether there's any changes to that. So the first one here is when you think about markets and you think about taking risk in the market, do you consider yourself comfortable taking a higher level of risk to get greater potential returns knowing that the downside is reflective of that so it's magnified? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can or not taking any risk in the market knowing the returns are reflective of that? Where would you see yourself fitting? Mhmm. Yep. Perfect. That's okay. The next one here is how would you feel? Listen, Marcus took a 20% dip over the next one to three years due to what was happening generally within the world. Do you think you'd take it as an opportunity to invest a nice big lump sum, invest into the dip? Are you considering holding and waiting, calling us, and seeing what we suggest to do, or are you likely to maybe cement the loss and sell to cash? Yep. Beautiful. That's a good answer. Nothing to lie. The next one here is have you seen your super full in value in the past? If you have, how do these drips make you feel? Are you feeling optimistic about the investment opportunities? Are you a bit cautious, concerned, or feeling slightly anxious? Optimistic. Beautiful. Thank you for that. And the last one here that we've had in the past is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for state property? Mhmm. Yep. No. No. That's okay. Beautiful. So you've scored it as a growth investor. So we do have you in that growth kind of environment, which generally sees about 80% of your super invested in those growth assets. So thinking like Australian shares, international shares, listed property, and commodities like gold and silver, and then still keeping about a 20% defensive component of things like cash, bonds, and fixed interest. When we look at the risk profile and sort of what achievable conservative rate of return the growth portfolio should be able to receive on a yearly basis, you're looking at around about seven to 9% in mid levy or wanna see a much greater return than that, but that's sort of focusing on on a conservative rate of return that could be compounded or to sort of provide growth. Anything under 7% like what we have sort of seen this year is generally an underperformance of the fund or the market is due to the market concerns. Anything over that 9% we consider to be fair. It has to be considered over performance. Volatility wise, we do or we expect the volatility in this range to be plus or minus about 11%. So, realistically, in a good year, you could receive an additional 11% on top of that nine. In a bad year, it can drop by 11% under the seven there. So it is an expectation with the volatility. We understand how that works. And the likelihood of a negative return in this sort of environment is around about one in every five years. So it's not crazy. You're kind of when you think about the risk set scale, one being all in cash, five being all in shares and are very aggressive, you're sitting at about a three there. It's kind of mid range. It does normally suit someone as your time horizon. Generally, when you're about six years away from accessing Super, we'd be talking about reducing the risk level further. But for right now, this suits your time horizon and your capacity to sort of withstand market ups and downs. But do you feel comfortable in this environment, in this sort of portfolio still? Yep. Beautiful. Excellent. I know I have touched on a lot today, and I'm really sorry about the things that I had to kinda go through with you. But I'm glad that we touched on the things that are really important to you. I will go back and investigate the AIA policy and let you know what's going on with that one. I will also get the remediation started ASAP for you and also do that research in the meantime to get the advice updated to reflecting for you as well. Is there anything else that you might need me to work on while you've got me or anything else, information wise, you think I haven't touched on that might be of importance? Absolutely. They will be at the top of my priority list, so I'll make sure they are started ASAP so that we can at least get everything updated. I will be updating the advice also in the meantime, so there's a chance I mean, I will be pushing the admin the senior team to get the remuneration done as quickly as possible, but I aim to have this advice case updated for you very fast as well because I don't want you in bed along any longer than you need to be. Okay? Beautiful. Thank you so much for your time, Adam. I really appreciate it. I hope you have a really good day, and I appreciate you taking my call this morning. Not a worry. You have a good day and a good weekend. Great. See you later. 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Adam. It's Dana from Oakley Financial. Can you hear me okay? Oh, fantastic. Sorry about that.\n\nI'm not sure what happened with the line. Oh, good. I had to book in to go to your annual review this morning. Is now still a good time there for you? Yep.\n\nFantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address on file.\n\nYep. Yep. Yep. Beautiful. Thank you so much for that.\n\nAdam, as part of your annual review, we do normally send through some documents for you to view with us. Are you able to access your email so at the moment? If you can't, that's okay. Yeah. Beautiful.\n\nI'll send those through to you now if you're able to jump into your email there. It does it comes from OdooSign and or it could just come from Zaynah at Odoo Financial as well. Okay. Excellent. How's your morning been so far?\n\nNo. It's still early. Oh, we are. Yeah. Yeah.\n\nYep. I actually I can live in New South Wales, so we're on the same time zone for a bit longer. But I work in Queensland, so I see it in Southport on the Gold Coast. But I live over the border in New South Wales. So I probably jump every summer.\n\nThere we go. Beautiful. Now it says that it has sent through to you there. Has that come through there at all? Beautiful.\n\nExcellent. So when you jump into those documents there, the first one you should see is the summary of superannuation and insurances there. Can you see that one? Click that one there. Yep.\n\nAnd it'll take you so you can review each of the individual documents and move through them. Beautiful. So with the first document there, the summary of the branduation and insurance, it's just giving you an update of your balance. So as of today's date, we're sitting at $0.5.24 $469,355.68 there. When I look back at your annual view last year, your balance was about $398,008.71.\n\nSo there has been a bit of an increase, albeit the market has been a bit volatile this year. So the increases have been generally a bit lower than what we kind of expect. But I did do a bit of a review of everything prior, so I'll take you through all of that in a moment. Underneath that, you've got your care super. So we obviously kept care super in place to retain the insurances that were held within the fund there, and you've also got the top up cover on top of it.\n\nWith your care, Super, the reset is from a bit longer ago from last year because we haven't been able to get a new third party authority applied to the account. As part of the annual review doc today, we do have a third party authority form attached. So if you can sign and return that back with the other documents there, we can have that applied so we can update the the additional balance there. Because and then part of the advice that Tommy provided last year was that there was to be a rollover, so there's probably it's gonna be a different balance of what you can see there. Okay?\n\nExcellent. Now yes. Yeah. It looks like you've got the the care suit for the life and the CBD policy there, but then we've also got an AIA policy noted here as well. So it gives you some additional life, total permanent disability cover, and looks like income protection there as well.\n\nI'm kind of looking at that at the moment. So let me just go in here for you. I'm having a look back at your last advice to see if anything was kind of noted there. Because the last documents I had for annual review only noted the care supervisor. There was no additional AIA policy on top of that.\n\nAnd when Tommy provided this this Sorry. You're right, sir. Yeah. Yeah. Interesting, isn't it?\n\nI've got I can see that you had a stroke as well in the last couple of years. Is that right? No. That's okay. You've had a stroke in the past.\n\nIs that right? Yeah. Yeah. Wow. Yeah.\n\nThat's not got a security currency here at all. Let me check if you see if there's any because it says that those are being paid out of POG 24. Let me see if there's any insurance premiums coming out. Because, yeah, I haven't looked at, like, the super and everything. I've just been looking at this stuff and we're going it says it's a lot of AIA insurances here as well.\n\nYou don't remember ever applying for or going through, like, the underwriting process to apply for any additional coverage that was accepted? No. Interesting. Paid until there's definitely nothing coming out of here. Nothing coming out of there.\n\nThere's Mississippi of the time being noted there. Leave that one with me. I'll go so I can get to verify because I don't think that is accurate either. I just there's nothing coming out of your hub twenty four account. I'm not sure where they pulled those figures for, but there is definitely I'm just logged in to AIA, and there's definitely nothing to the end of your name that I can see at the moment.\n\nSo ignore that one for the moment. I do apologize about that. That's not accurate or good. I don't like that at all. So I will go back and get them to re clarify.\n\nIf there is anything that we've been able to find that just hasn't kind of been brought up in the past, I'll let you know. If that's definitely not accurate, then I'll let you know there. But let's kinda focus on the care super insurances for the moment there. So looking at your life and CPD, I know that you're well aware that you're not really able to gain new color at the moment due to the heart condition and your previous health history. But in the event of passing so if you focus on what you've got at the moment, the life and TPD, or is this the life to start with, If you were to say pass away based on the current benefit, you've got 200 and one thousand two hundred and fifty, but then your sister is also released on top of that.\n\nSo we've got some care as well as you have 24 benefits. It realistically gives you a little over 600 of thousand dollars there, 600 and nearly 70,000, essentially. Are you sort of happy with that? What would you want that to cover? Because having a look, your mortgage is a little bit higher than that.\n\nIs that right? Yeah. So then it would pay off most of the mortgage or could sort of be paid out, you know, to look after your family. You've got three kids. Is that right?\n\nYep. Beautiful. And where do you sort of want that benefit to be paid paid to? What would you want them to be able to do with that benefit? Yeah.\n\nYeah. It's always up to them. We always say, this is what we want you to do with the funds, but it always sort of comes down to what they would wanna do. If in the event you were to say pass away, does your wife work? Is she working currently?\n\nYeah. Okay. Perfect. So realistically, she could, you know, draw the funds down. It's based on your mortgage, last time we checked your mortgage, we're just sitting at 890,000.\n\nHas that kind of reduced a bit since you last caught up with us? That's okay. You're fine. Okay. Beautiful.\n\nDefinitely. It's in there. Are you sort of paying more on top of that at the on top of the mortgage at the moment to try and reduce it as quickly as possible? Yep. Okay.\n\nBeautiful. And in savings, how much do you have sitting in there at the moment? Yep. Beautiful. Fantastic.\n\nR15,000. Excellent. Lovely. Yeah. Of course.\n\nYeah. Of course. Understandable. What I'll do is after the call, I'll go back. I'll get my admin team to have a little look into it to find out why it was even noted there.\n\nI can shoot you an email after the call to let you know once they've done the investigation to what the deal was and yeah. Whether there's actually anything there. Because, I mean, realistically, if there's some sort of older policy that's found, great. Let's look at that. Let's, you know, see what it does for you.\n\nIf they unfortunately haven't and then put it there by mistake, then that's not okay. That should should not be noted because I don't wanna give you false hope. Absolutely. Excellent. All good.\n\nWith the TBD cover, now do you understand how total permanent disability cover works, what it means, how it's paid out, things like that? Got a good understanding of that? Beautiful. So you do have the same level of CBD within your care through there as your life cover. In the event of the CBD claim, we can also claim incapacity against the super benefit there.\n\nSo what I'd be sort of lacking to do, because you do have that gap in the risk side of things, is try to boost the super as much as possible. So it provides a greater benefit in the event of a claim long term, as well as providing for your long term retirement needs down the track there as well. With your super side of things, are you, with your expenditure at the moment, are you finding with your with the way living costs are that you have extra money to maybe be able to put in the city because of a biodegraded benefit, or is it not really a possibility now? You're not really wanting to do that? Yep.\n\nJust the school fees and living expenses is not possible. Yes. Yes. Absolutely. No.\n\nThat's okay. That's not a problem at all. We'll make a note to sort of look at that and leave this down the track. Not an issue. And with your retirement goals, we had done that you're sort of hoping to be able to retire fully access to around about the age of 60.\n\nIs that still your goal age, or has that sort of changed? Yeah. That's okay. We'll work on that for you. Not a problem at all.\n\nRetire as soon as we possibly can so we can enjoy our life while we have the chance to. Fantastic. Excellent. Now if I can get you to move to the next document for me, the next one along is the performance with internal rate of return. This is sort of showing you how all the individual within your super has performed over the past twelve months there.\n\nHaving a look at things now, this is where I sort of did a little bit of booking ads over the beforehand. I'm gonna be really honest with you. There is something that sort of flagged with me that I'm gonna take to our senior management team and have already brought up with them. Tommy gave you some advice last year, but that was around about late last year where he had recommended to change the investment portfolio there. He had recommended just to keep it in that growth environment but to sell some of the underperforming investments and to remove that down along Australian equities investment.\n\nDo you remember going through that with him? Yeah. Beautiful. Unfortunately, it did looks like it hasn't actually gone through the swap. So you still do technically have that along Australian equity in your investment portfolio, and that is pulling things down a little bit.\n\nSo I wanted to stand out a little bit. Hey. I've done this investigation for you. I can see this is here. This should not have been here.\n\nI'm honestly not very happy with how with it still being there. It is still holding your portfolio back a little bit. All the other investors have been performing quite well. Sorry. You're right here.\n\nIt is. Correct. Yeah. Correct. Correct.\n\nAnd then along has had a bit of a volatile year. It had started sort of taking a bit of a dip at the end of last year, and that's when sort of Tommy had provided that advice to sell you out of the Benelon Australian Equities, and he was just looking to move you into another active loan that is done called Alfinity. So it looks like that investment switch did not go through. So you still have the Benelon. It's just being it's just being missed.\n\nIt looks like it has been a bit of an administration error. They've started the implementation, and it hasn't been completed. So I will go back to our senior management team, and I've already flagged an email to send off shortly to say this would be advised. It's not how has not happened. The way this sort of works for you is our senior management team will go back and investigate wholly as to what happened, where the the process fell down.\n\nThey will look at the portfolio that was originally recommended for you in that last advice document and look at how this portfolio has performed as well. If the newer portfolio that you were recommended has performed better, it'll go through remediation, and OP Financial should remediate you and put a bit extra money in system to replace, essentially the loss that has been seen as a result of that error. No. No. It's definitely not okay.\n\nAbsolutely. Yep. Worst off. Yeah. No.\n\nNo. Absolutely. I do understand that, and I'm definitely not happy that this occurred for you. It's certainly not the first call I wanted to make this morning, so I can only apologize for that. It's something I found as part of doing the research for your annual review.\n\nI'm also not entirely happy that the admin team doesn't just add an AIA policy to your other documents as well. So I'll go back and just have a bit of word about the accuracy side of things. Obviously, we I certainly expect a lot more from my team, and they would expect a lot from from me. You pay for our services, and you expect a lot more from us as well. So we've definitely let you down in that department.\n\nI'm not impressed about it. I wanna do the right thing by you, so I will flag it with our senior management team. They will look at it, investigate it, and remediate you. I do have to let you know that if we find out that this portfolio, albeit, is a little bit lower than we expect, has performed better than the recommended, there would be no additional remediation made. But, I mean, Venalong is down pretty heavily, so I generally have no deposit investment that performed better than Venalong because of what's kinda going on there.\n\nSo I will flag that with you, and I'm very sorry that that occurred. With everything else within your portfolio, though, most other things have performed really well. Looking as a whole, you think hybrids are they are more of a defensive investment. You've got global cybersecurity, and they're up over 7%, which is quite nice. So the other side of the Australian equity portion is really sort of look at then along being down isn't just about the market because the market has been very up and down this year.\n\nOverall, market haven't performed as they have over the past couple of years, and this year that the average return in super and in investments is down a little bit as well. But the third investment down there, the that's the beta of the Raffy. That's Australian equity. It's giving you access to exposure into some of the, you know, biggest 200 companies on the ASX within large and mid cap space. And essentially, that's up to 13.92%.\n\nSo to see Australian equity is actually doing really well at the moment, but to see it's been a long down sort of shows you guys issue within the fund itself and not and not because of the market as a whole. Okay? We've also got the battery lithium tech, which has been one of your best performers up over 35% of the portfolio currently. Physical goal again has done quite well. We have had a bit of volatility within that this year.\n\nFor composite bonds, the bonds have taken a little bit of a hit. You're still showing a positive return there, but bonds have taken a bit of a hit in the market this year with the high inflationary pressures within Australia. And the S and P 500 is, again, doing really well, so that has taken a bit of an up and down. We with what's been happening globally, US and Australian equities have sort of seen that up and down trend. But overall, this year has come out with a positive return, so it is good to see.\n\nThe property side of things there is a little bit low. That is a lot to do with what sort of being happening with the legislative side of things. So there's been updates and changes to capital gains tax, maybe with gearing, and also borrow within stuff on your super fund side of things. The property has taken a little bit of a hit after all those changes there. It is down within the portfolio.\n\nRealistically, I would like to sort of put this through and look at getting the remediation sorted for you, but I'm there are some changes that we could definitely look to make within the portfolio as a whole. I wanted to find out from you if you would like me to go back and maybe update it by update the portfolio and make some changes to reflect or whether you would just like me to go to the remediation, have this completed, and then we come back and talk about making changes and altering your portfolio for the future. What is more what would you like me to do? How would you like me to attack this for you? Yep.\n\nYep. Happy for both. Beautiful. Just wanted to make sure you're comfortable with me going at it wholeheartedly. I'll just we'll get remediation in the background.\n\nYes. Beautiful. And I'll update the portfolio. I think I'm looking at sort of maneuvering the property side things as well. Property has had a a bit of a hit.\n\nWe don't know what it's gonna do down the track, so we could look at investing in property in other ways within the fund. Sorry. You're alright. Yeah. Yeah.\n\nYeah. No. Completely understandable. The other thing that we'll be changing down the track is the bank hybrid. So these are the defensive investment.\n\nI'm more of a complex investment. The bank the government has come out earlier this year saying they are gonna look at phasing those sorts of investments up down the track. They are trying to streamline and make investment products a little bit easier for the average everyday Australian to understand, and big hybrids are a little bit like bonds and a little bit like shares. They're kind of a combat hybrid investment where they you're basically putting money into the banks and getting an income back, but they're also tradable and grow like shares. So they are very complex.\n\nThey can be, but they're more defensive to the low risk because they tend to get a low rate of return, but there is still a risk factor with them. If you sort of think back to the DFC where, you know, banks were building these different hybrid products, They work really well for a period of time, but then they do also have that downside to them. And, you know, if banks tend to go fast, so if things have a, like, the DFC, then these sorts of investments can also have a very high risk component with them. So I'd probably like to go back, reevaluate that, and because that does have to be removed out of the portfolio eventually, we could look at maybe updating that now for you, making some changes now. That way, over the next couple of years, we hopefully won't have to make such big changes, and that allows the portfolio to compound a little bit better for you.\n\nHow does that sound? Yep. Beautiful. The other thing to sort of think about is when Tommy did the advice last year, he was recommending to replace the banner long Australian equity with a with a fund called Alfiniti. It is an actively made fund there as well.\n\nWhen you tend to have these sorts of active managers within your portfolio, you do pay a little bit more in the way of fees for those sorts of things. If you want me to sort of keep that active management in there, active managers are trying to outperform against the market. There's definitely no guarantees they're going to. And as I said, you do pay a little bit more for that. Or I can sort of get that the portfolio to make it more passively managed, make it, you know, more ETF, market tracking, and make it more lower cost for you.\n\nSo fees so more money's left in your portfolio working part of the you. Would you like to have that active management side, or would you like to just focus on low cost in your portfolio? What's more important to you? Mhmm. Well, realistically, with where you are, you've got about twelve years before you're able to access super at this point.\n\nSo focus on your birthdays coming up in the next few days there. Essentially, with where you are, you you are young enough to take on a little bit more risk in the market to have those active managers in there. That's absolutely fine. I can look at a portfolio which maybe has a little bit of active management in it, is still low cost, is still ETF and easily accessible, and doesn't have anything like analog in it. Would you like me to sort of look at I can look at the best of both worlds and sort of allocate that for you if that would work for you.\n\nYes. That's okay. I know I bet you a lot, and this has been probably not the conversation you thought it was gonna be today. But do you have any questions for me at the moment? Anything that you want me to kind of reflect on or anything that you might want me to touch on that I haven't yet?\n\nYes. Mhmm. Yeah. Correct. Absolutely.\n\nAbsolutely. And if you look at the next page there, with your portfolio as a total net of fees, it is has performed about eight point sorry. 4.83% after fees. It's after admin fees, out fees, everything. But that 4% of your portfolio over the past twelve months has averaged you 30,153 in dollar figures.\n\nSo whilst it is still a good good dollar figure, it is a low net return for the year. A lot of it is held back because of that banner long, and I do kinda wanna build on that. But it would have been good to see a much greater return there and see definitely a higher earning figure because it sort of shows what your portfolio can do if it was sort of set up correctly, essentially. But yeah. I can pull that up for you.\n\nHave a look. 2025 annual review. There we go. So in the 2025 annual review, the return there was 12.54%. It was much higher.\n\nYeah. Banner loan was still at a lower point. It was up still by 3%. But yeah. I mean, there are gonna be years when you don't get the average return that you're after that is gonna be because of market ups and downs.\n\nWe do expect a negative year. But when we see a negative year, we sort of wanna understand and see that, you know, the S and P five hundred is down, that the ASX is down. You wanna see those passive investments taking a hit as well. You don't wanna see the ASX, the S and P five hundred doing really well, but your return being low because then that's more of a trigger that it's the portfolio that's not working. It's not the market as a whole.\n\nIf we were in, you know, like, the COVID event or the DFC sort of event or if markets have taken a big dip like they did in around March and April because of what was happening, you know, between The US and Iran war and Trump tweeting, you know, each day, those sorts of events you go, yeah. Okay. The market's down. I expect my portfolio to sort of follow that trend and be down as well, and negative returns expected in those instances. However, having everything else actually performing quite well but seeing a very low return, you can sort of figure that it's probably got to do with one of the investments within their holding it back a little bit.\n\nSo that's kind of where I've come to by looking at all of those outcomes for you. Okay. Yep. Beautiful. Does that make any does that make sense?\n\nDo you have any additional questions on any of that at all so far? Or that's okay. Beautiful. Thank you so much for going through that with me. The next document attached are the the we've got the sorry.\n\nThe Vanguard index chart there for you. That's essentially a bit of a a guide showing you how markets react over time. I believe you have a shared portfolio in your own name as well. Is that right? Yeah.\n\nYeah. Value we had on that was about a 100,000 last year. Has that increased in value recently? Is that a bit higher at the moment? Yes.\n\nYeah. I love you. Yep. Yep. Yes.\n\nYes. It's a bit like that. I understand that. Are you sort of hoping too long term to sort of hold on to those shares and maybe sell them down in retirement for additional cash or maybe just hold on to them and pass them on to your family? What's your sort of goal with that?\n\nDo you have a goal with those shares? Yes. K. Yep. Yes.\n\nBeautiful. No. That's okay. That's excellent. Well, with this Vanguard chart, I mean, as I said, you've got some shares in your own nature.\n\nYou sort of understand how markets go up and down. I'm more than happy to talk you through this if you would like to, but I also am sure someone's gone through this in the past with you. But it just gives you a bit of an idea on how markets react and how markets trend over time and that to get the higher returns to take on a bit more risk, but we understand there's also the the chance of a dip within the market over a period of time as well, and we wanna make sure that we get safer that you are invested in a portfolio where you're not gonna be accessing at the downtime. So, essentially, as you get closer to retiring, we'll start to reduce your risk level in the market, drop it down in generally in 10% increments, so it's a gradual step down. So by the time you get to accessing super, you've hopefully got a good a good balance within super.\n\nWe are expecting a lower rate of return inside those years, but we're in more defensive income producing assets that will help to draw down your income through that time frame. Does that make sense? Yep. Beautiful. The next document along is the OCE Financial Services Guide.\n\nThis is more of a a legal document. We do provide that to everyone that outlines who we are, what we do, how we do it. Tommy, myself, all the other advisers, we are, like, noted in here with a lovely glossy photo, a bit of information on us, but also what's important is our licensing information. So we are full licensed advisers, or we're all registered through ASIC, and all that information is in here for you should you wanna go to and have a bit of a read of that. It does also update all about changes in the business and things like that.\n\nHaving a look at the next document is the ongoing service agreement for the next twelve months there. So, obviously, I wanted to stand up and let you know there have been some things that have gone wrong this year. It's, you know, not something I'm very happy about. I wanna go back and make sure that the team look after that for you. We do have to you know, if you wanna stay on board the next twelve months, go through and just resign the ongoing service agreement for the next twelve months.\n\nOur fees are changing a little bit down the track. It's not affecting you at all this year. We're still keeping everything the same this year. But next year, all of our fees actually becomes more of a key structure. So when your balance is 200,000, it drops down from the 1.65% tier into the next tier down, which is 1.375.\n\nOnce you balance it over 500,000, it drops down to the next tier. So, essentially, as your balance increases, we drop down into a different tier structure. And every year, as part of your annual review like this document, it outlines the expected fee based on the percentage of 1.65%. What we'll essentially do at any review time is we'll go back and work out the exact dollar figure of the of the ongoing service agreement for that twelve month period. We do add 5% growth onto the total, And then we will show you as a dollar figure how much you're gonna pay for the year.\n\nUnlike the previous years where it's 1.65%, but it does fluctuate with the market. It goes up and down. It means that when the market goes down, our fee takes a bit of a dip there with it. However, when the market does see, like, a 10 or 20 or 30% increase, then, obviously, your fee increases there with it as well. That also encompasses contribution.\n\nSo if your contributions are going into your super fund and you're seeing know, a lot of growth, that 1.65% has always been based on the total balance. So it is also being paid on top of the contributions going in. What we'll be doing is looking at your total balance, seeing where you sit within the tier structure there, and working out the total fee for the year. It won't be an estimate. It'll be a set dollar figure.\n\nSo you know you will not pay any more than that amount for that year. It'll be a lot more clarity for you. Does that make sense? And do you have more questions around that at all? Yeah.\n\nBeautiful. It's one of the things that I sort of brought up in the past was that this is always giving you it's 1.65%. It's always giving you an estimate on how much the fee is, but that can fluctuate depending on what the market does, whereas this new fee structure will give you a lot more clarity around how that works. I believe that as one of the emails, the newsletters we sent out a few weeks back and I had a bit of back in there. Do you remember receiving that newsletter?\n\nDid you have it read through it at all? No. That's okay. It is in the financial service guide that I've got here for you as well. So before you sign those documents, if you wanted to take some time to have a read through that one, let me know if you do happen to have any questions.\n\nThe main reason for changing, obviously, the fee structure is that the cost of everything advice the or just based around what we do. A lot of that has changed over the past couple of years, and we've never changed that fee structure. It's always been exactly the same. So we wanted to make it a little bit more client friendly. So it does mean that as your super balance increases over time, you drop into the next tier down, which reduces the percentage which you're paying on your fees.\n\nIt does also mean that instead of capping our fees at 600,000 moving forward, they're capped at 2,000,000. So by reducing the overall percentage each fee over the longer term as your balance grows, you'll pay a little bit more for our services, but the percentage you pay that on is decreased as your balance increases. So it's about making sure that growth is still occurring. And by having a set dollar figure noted out, it's giving you more certainty around what our what the fees are for our services that year so that you're not, you know, estimating what it could be depending on market change is essentially is is designed to give you more clarity around that, but make sure that we're being remunerated for our services because of a lot of what we do behind the scenes. The advice we do provide, all that is included in our ongoing service fee.\n\nWe don't charge additional implementation fees for advice around super and insurances and things like that. So it's about making sure that it's all incorporated correctly, and the cost of everything has increased. The cost of living has increased. The cost of running a business and providing advice has also increased as well. So I just wanted to clarify that for you and make sure you have all that information.\n\nAnd the ongoing the financial services guide has a nice big breakdown of that for you for you to run your eyes over as well. If you find you have any questions, you're welcome to let me know. Does that make sense? And do you have any additional questions on that at all? No?\n\nThat's okay. Forward? Beautiful. You'll be able to take that back and have a look at the documents prior to signing onboard. I'll go back and see if I've seen your management team, get the remuneration side of things in place, and then I'll also get it back and update the advice for you, reassess everything.\n\nAs I kinda mentioned, the last document in there is the third party authority for CareSuper. We do need to have a new one signed to be able to do the research around the balance you have, the insurance within there for you, and also how things are invested. We'll go back and research all of that once that document comes back, and we're able to apply that to the account so that we can kind of update the advice for you and have it all reflective and also get the remuneration sorted for you nice and quickly. Okay? Is that it's up to you.\n\nYou we do ask that you sign it all and send it back to us as soon as possible. However, if you wanna take it back and read it first, I have no qualms with that. I'm more than happy for you to give it a day or a week, whatever you're comfortable with. Obviously, we do need the ongoing service agreement back by us providing any new advice because we provide it under the guy that you're an ongoing client. But at the same time, you can start it now if you're comfortable to.\n\nIf you don't want if you wanna go back and read things first, that's absolutely fine. I have no problems with that. I would rather do it at a comfort level that's right for you. Yeah. That's correct.\n\nYeah. So no. It's a third party authority there which will have applied the funds. Yeah. All good.\n\nBeautiful. Did you want me to send you an an email copy of those signed documents to kick us the record for yourselves as well? I'm happy to do so. Yeah. Yeah.\n\nAbsolutely. Not a problem at all. Beautiful. The last thing I thought I wanted to do was just to go through and update a few additional details that I have here for you. Your income that we had noted down last year was about 230,000.\n\nHave you been lucky enough to have a pay rise since then? $2.40. Beautiful. Excellent. Lovely.\n\nI've got down so expenditure wise, you sort of made mention that life is pretty expensive. You're not really sort of saving anything. Are you managing to put anything away into a savings account on a regular basis that you would quantify at all? Yeah. No.\n\nThat's okay. That's absolutely fine. I think last week we had it noted, Daniel, we're managing about $500 on a weekly basis. Would it be less of that, do you think? Yep.\n\nBeautiful. Excellent. I've also got down here the other additional goals. You were looking to build that cash buffer for emergencies under 10,000. You've got that 15,000 sitting in the savings there as well.\n\nAre you still looking to build on that as a bit of an emergency fund, or is that kind of that goal fully met? Yep. Yep. No. That's okay.\n\nI did the braces thing with my kids. That's expensive. All good. And then the any other things I've sort of got here, we're looking to, you know, pay off your mortgage as much as possible, directing most of your cash flow towards your mortgage goal. Is that that still feels fairly relevant moving forward trying to pay that down?\n\nAre you hoping to try and have that mortgage completely gone by retirement, or do you feel like because the time is sort of about twelve years away, there's a possibility that you'll still have that mortgage in those years and maybe wanna draw on to cover the difference? Or how do you feel about the mortgage and moving forward with that goal? Mhmm. Yeah. Yes.\n\nYep. Beautiful. I'll add that down as a future goal that we'll sort of keep track of. Fantastic. Excellent.\n\nOther than that, do you have any other goals that you're looking to achieve over the course of the next twelve months or even next five years at all? Mhmm. Yep. Absolutely. Yeah.\n\nNo. Not a problem at all. And, look, I would like to maybe do a few more catch up with you. I think a lot of this you have that review with Tommy last year, if I could go through. But I do kinda feel like doing a catch up with you a little bit more often, maybe once every six months might mean that we can kind of flag things a little bit quicker with you as well.\n\nIf I see something dropping in the portfolio, we can always come back and readjust it. We don't have to wait for an annual review, and it can then we can flag things a little bit quicker when markets aren't working as well. Would you be comfortable if I set a catch up for you once every six months to sort of touch base on those sorts of things? Yep. Beautiful.\n\nFantastic. I'm trying to sort of having a look at the process and how things have gone for the last few years. I've kinda set up a book now where I've been able to take on a bunch of clients. You're one of those. And if you decide I'm not your adviser, that's obviously okay.\n\nBut I wanna sort of take it back to basics a little bit more and sort of have those catch up more regularly so we can fly where markets are up and down, talk you through what's happening, and and understand what's going on in in the portfolio. So when we have a negative year, we understand why we understand what's happening happening and reflective of the market as a whole. But where, say, your portfolio hasn't been updated correctly or if it's just as an underperforming investment, that we can look to flag that and update advice a bit more appropriately for you. Does that sound okay? Yep.\n\nBeautiful. Fantastic. The only other asset I had on here was your vehicle. Last time we caught up your asset the value, sorry, was about 15,000. What would you value your vehicle at now, do you think?\n\nYep. Okay. Beautiful. Is so at least it's true, like, cellular packaging? Yep.\n\nBeautiful. Excellent. Fantastic. And the last thing to do is just to go through a really quick risk profile questionnaire just to kinda gauge whether you are investing correctly. Realistically, with your time horizon.\n\nYou still do fit within the portfolio that you're in, but I just had a couple of questions to kinda gauge whether there's any changes to that. So the first one here is when you think about markets and you think about taking risk in the market, do you consider yourself comfortable taking a higher level of risk to get greater potential returns knowing that the downside is reflective of that so it's magnified? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can or not taking any risk in the market knowing the returns are reflective of that? Where would you see yourself fitting? Mhmm.\n\nYep. Perfect. That's okay. The next one here is how would you feel? Listen, Marcus took a 20% dip over the next one to three years due to what was happening generally within the world.\n\nDo you think you'd take it as an opportunity to invest a nice big lump sum, invest into the dip? Are you considering holding and waiting, calling us, and seeing what we suggest to do, or are you likely to maybe cement the loss and sell to cash? Yep. Beautiful. That's a good answer.\n\nNothing to lie. The next one here is have you seen your super full in value in the past? If you have, how do these drips make you feel? Are you feeling optimistic about the investment opportunities? Are you a bit cautious, concerned, or feeling slightly anxious?\n\nOptimistic. Beautiful. Thank you for that. And the last one here that we've had in the past is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for state property? Mhmm.\n\nYep. No. No. That's okay. Beautiful.\n\nSo you've scored it as a growth investor. So we do have you in that growth kind of environment, which generally sees about 80% of your super invested in those growth assets. So thinking like Australian shares, international shares, listed property, and commodities like gold and silver, and then still keeping about a 20% defensive component of things like cash, bonds, and fixed interest. When we look at the risk profile and sort of what achievable conservative rate of return the growth portfolio should be able to receive on a yearly basis, you're looking at around about seven to 9% in mid levy or wanna see a much greater return than that, but that's sort of focusing on on a conservative rate of return that could be compounded or to sort of provide growth. Anything under 7% like what we have sort of seen this year is generally an underperformance of the fund or the market is due to the market concerns.\n\nAnything over that 9% we consider to be fair. It has to be considered over performance. Volatility wise, we do or we expect the volatility in this range to be plus or minus about 11%. So, realistically, in a good year, you could receive an additional 11% on top of that nine. In a bad year, it can drop by 11% under the seven there.\n\nSo it is an expectation with the volatility. We understand how that works. And the likelihood of a negative return in this sort of environment is around about one in every five years. So it's not crazy. You're kind of when you think about the risk set scale, one being all in cash, five being all in shares and are very aggressive, you're sitting at about a three there.\n\nIt's kind of mid range. It does normally suit someone as your time horizon. Generally, when you're about six years away from accessing Super, we'd be talking about reducing the risk level further. But for right now, this suits your time horizon and your capacity to sort of withstand market ups and downs. But do you feel comfortable in this environment, in this sort of portfolio still?\n\nYep. Beautiful. Excellent. I know I have touched on a lot today, and I'm really sorry about the things that I had to kinda go through with you. But I'm glad that we touched on the things that are really important to you.\n\nI will go back and investigate the AIA policy and let you know what's going on with that one. I will also get the remediation started ASAP for you and also do that research in the meantime to get the advice updated to reflecting for you as well. Is there anything else that you might need me to work on while you've got me or anything else, information wise, you think I haven't touched on that might be of importance? Absolutely. They will be at the top of my priority list, so I'll make sure they are started ASAP so that we can at least get everything updated.\n\nI will be updating the advice also in the meantime, so there's a chance I mean, I will be pushing the admin the senior team to get the remuneration done as quickly as possible, but I aim to have this advice case updated for you very fast as well because I don't want you in bed along any longer than you need to be. Okay? Beautiful. Thank you so much for your time, Adam. I really appreciate it.\n\nI hope you have a really good day, and I appreciate you taking my call this morning. Not a worry. You have a good day and a good weekend. Great. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Adam.","start":2.32,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.051624543964862823},{"text":"It's Dana from Oakley Financial.","start":2.8799999,"end":4.56,"sentiment":"neutral","sentiment_score":0.07065970003604889},{"text":"Can you hear me okay?","start":4.56,"end":5.7,"sentiment":"neutral","sentiment_score":0.03659174591302872},{"text":"Oh, fantastic.","start":7.8399997,"end":8.82,"sentiment":"neutral","sentiment_score":0.26308728754520416},{"text":"Sorry about that.","start":9.04,"end":9.679999,"sentiment":"neutral","sentiment_score":-0.21066281696160635}],"sentiment":"neutral","sentiment_score":0.031393673051806056,"num_words":17,"start":2.32,"end":9.679999},{"sentences":[{"text":"I'm not sure what happened with the line.","start":9.679999,"end":11.38,"sentiment":"neutral","sentiment_score":-0.2781795859336853},{"text":"Oh, good.","start":13.755,"end":14.315,"sentiment":"neutral","sentiment_score":0.24092812091112137},{"text":"I had to book in to go to your annual review this morning.","start":14.315,"end":16.875,"sentiment":"neutral","sentiment_score":0.19207281676622537},{"text":"Is now still a good time there for you?","start":16.875,"end":18.895,"sentiment":"neutral","sentiment_score":0.20848125881618923},{"text":"Yep.","start":20.955,"end":21.355,"sentiment":"positive","sentiment_score":0.3687327802181244}],"sentiment":"neutral","sentiment_score":0.09086152369325812,"num_words":33,"start":9.679999,"end":21.355},{"sentences":[{"text":"Fantastic.","start":21.355,"end":21.855,"sentiment":"positive","sentiment_score":0.604067862033844},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":22.875,"end":27.115,"sentiment":"neutral","sentiment_score":0.26256179880528224},{"text":"Are you happy for us to proceed with that?","start":27.115,"end":29.75,"sentiment":"neutral","sentiment_score":0.26859410603841144},{"text":"Fantastic.","start":31.009998,"end":31.509998,"sentiment":"positive","sentiment_score":0.4501886367797851},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address on file.","start":31.65,"end":37.51,"sentiment":"neutral","sentiment_score":0.241059312665904}],"sentiment":"neutral","sentiment_score":0.2626102147466045,"num_words":59,"start":21.355,"end":37.51},{"sentences":[{"text":"Yep.","start":40.129997,"end":40.629997,"sentiment":"neutral","sentiment_score":0.05527615547180176},{"text":"Yep.","start":42.85,"end":43.305,"sentiment":"neutral","sentiment_score":0.038305871188640594},{"text":"Yep.","start":45.145,"end":45.645,"sentiment":"neutral","sentiment_score":0.03682556748390198},{"text":"Beautiful.","start":50.265,"end":50.765,"sentiment":"positive","sentiment_score":0.42939990758895874},{"text":"Thank you so much for that.","start":50.825,"end":52.445,"sentiment":"positive","sentiment_score":0.5833922227223715}],"sentiment":"positive","sentiment_score":0.40601608380675314,"num_words":10,"start":40.129997,"end":52.445},{"sentences":[{"text":"Adam, as part of your annual review, we do normally send through some documents for you to view with us.","start":52.505,"end":56.85,"sentiment":"neutral","sentiment_score":0.2228602111339569},{"text":"Are you able to access your email so at the moment?","start":56.85,"end":59.41,"sentiment":"neutral","sentiment_score":0.060689136047254906},{"text":"If you can't, that's okay.","start":59.41,"end":60.789997,"sentiment":"neutral","sentiment_score":-0.046652691811323165},{"text":"Yeah.","start":62.93,"end":63.25,"sentiment":"neutral","sentiment_score":0.14423063397407532},{"text":"Beautiful.","start":63.25,"end":63.75,"sentiment":"positive","sentiment_score":0.33574461936950684}],"sentiment":"neutral","sentiment_score":0.1413551714075239,"num_words":38,"start":52.505,"end":63.75},{"sentences":[{"text":"I'll send those through to you now if you're able to jump into your email there.","start":63.969997,"end":67.59,"sentiment":"neutral","sentiment_score":0.24123745877295732},{"text":"It does it comes from OdooSign and or it could just come from Zaynah at Odoo Financial as well.","start":67.97,"end":73.555,"sentiment":"neutral","sentiment_score":0.11117619119192425},{"text":"Okay.","start":73.775,"end":74.275,"sentiment":"neutral","sentiment_score":0.12469826638698578},{"text":"Excellent.","start":75.055,"end":75.534996,"sentiment":"neutral","sentiment_score":0.2949836254119873},{"text":"How's your morning been so far?","start":75.534996,"end":76.975,"sentiment":"neutral","sentiment_score":0.18905950337648392}],"sentiment":"neutral","sentiment_score":0.17502757872259894,"num_words":43,"start":63.969997,"end":76.975},{"sentences":[{"text":"No.","start":76.975,"end":77.215,"sentiment":"neutral","sentiment_score":-0.0005497056990861893},{"text":"It's still early.","start":77.215,"end":78.115,"sentiment":"neutral","sentiment_score":0.0005040243268013002},{"text":"Oh, we are.","start":82.509995,"end":83.229996,"sentiment":"neutral","sentiment_score":0.012877880285183588},{"text":"Yeah.","start":83.229996,"end":83.71,"sentiment":"neutral","sentiment_score":0.030155375599861145},{"text":"Yeah.","start":83.71,"end":84.11,"sentiment":"neutral","sentiment_score":0.04586641490459442}],"sentiment":"neutral","sentiment_score":0.012846422071258226,"num_words":9,"start":76.975,"end":84.11},{"sentences":[{"text":"Yep.","start":84.11,"end":84.61,"sentiment":"neutral","sentiment_score":0.054441072046756744},{"text":"I actually I can live in New South Wales, so we're on the same time zone for a bit longer.","start":85.15,"end":89.149994,"sentiment":"neutral","sentiment_score":0.04873057063668966},{"text":"But I work in Queensland, so I see it in Southport on the Gold Coast.","start":89.149994,"end":93.409996,"sentiment":"neutral","sentiment_score":0.06497407977779707},{"text":"But I live over the border in New South Wales.","start":94.015,"end":96.095,"sentiment":"neutral","sentiment_score":0.04891958758234978},{"text":"So I probably jump every summer.","start":96.095,"end":98.354996,"sentiment":"neutral","sentiment_score":0.07940745602051417}],"sentiment":"neutral","sentiment_score":0.05710200564219402,"num_words":52,"start":84.11,"end":98.354996},{"sentences":[{"text":"There we go.","start":101.454994,"end":102.435,"sentiment":"neutral","sentiment_score":0.17212253312269846},{"text":"Beautiful.","start":104.415,"end":104.814995,"sentiment":"positive","sentiment_score":0.374289870262146},{"text":"Now it says that it has sent through to you there.","start":104.814995,"end":107.695,"sentiment":"neutral","sentiment_score":0.11480322954329578},{"text":"Has that come through there at all?","start":107.695,"end":109.47,"sentiment":"neutral","sentiment_score":0.0683993399143219},{"text":"Beautiful.","start":111.39,"end":111.89,"sentiment":"positive","sentiment_score":0.43363332748413086}],"sentiment":"neutral","sentiment_score":0.1333009435430817,"num_words":23,"start":101.454994,"end":111.89},{"sentences":[{"text":"Excellent.","start":112.11,"end":112.61,"sentiment":"neutral","sentiment_score":0.078678660094738},{"text":"So when you jump into those documents there, the first one you should see is the summary of superannuation and insurances there.","start":113.23,"end":119.23,"sentiment":"neutral","sentiment_score":0.05148578350516883},{"text":"Can you see that one?","start":119.23,"end":120.53,"sentiment":"neutral","sentiment_score":0.04840298220515251},{"text":"Click that one there.","start":127.705,"end":128.665,"sentiment":"neutral","sentiment_score":0.014199483091942966},{"text":"Yep.","start":128.665,"end":129.065,"sentiment":"neutral","sentiment_score":0.14489160478115082}],"sentiment":"neutral","sentiment_score":0.050153646829792044,"num_words":33,"start":112.11,"end":129.065},{"sentences":[{"text":"And it'll take you so you can review each of the individual documents and move through them.","start":129.065,"end":133.405,"sentiment":"neutral","sentiment_score":0.15461496132261612},{"text":"Beautiful.","start":138.44,"end":138.94,"sentiment":"positive","sentiment_score":0.6745119094848633},{"text":"So with the first document there, the summary of the branduation and insurance, it's just giving you an update of your balance.","start":139.8,"end":145.42,"sentiment":"positive","sentiment_score":0.3483325107531114},{"text":"So as of today's date, we're sitting at $0.5.24 $469,355.68 there.","start":146.315,"end":154.255,"sentiment":"neutral","sentiment_score":0.1696712483059276},{"text":"When I look back at your annual view last year, your balance was about $398,008.71.","start":154.395,"end":160.56,"sentiment":"neutral","sentiment_score":0.09147933026154836}],"sentiment":"neutral","sentiment_score":0.21522507839130633,"num_words":66,"start":129.065,"end":160.56},{"sentences":[{"text":"So there has been a bit of an increase, albeit the market has been a bit volatile this year.","start":160.8,"end":165.12,"sentiment":"neutral","sentiment_score":-0.20042893525801206},{"text":"So the increases have been generally a bit lower than what we kind of expect.","start":165.12,"end":168.58,"sentiment":"neutral","sentiment_score":-0.1985450973113378},{"text":"But I did do a bit of a review of everything prior, so I'll take you through all of that in a moment.","start":169.12,"end":173.45999,"sentiment":"neutral","sentiment_score":0.10409459666065547},{"text":"Underneath that, you've got your care super.","start":174.765,"end":176.685,"sentiment":"neutral","sentiment_score":0.11415510731084007},{"text":"So we obviously kept care super in place to retain the insurances that were held within the fund there, and you've also got the top up cover on top of it.","start":176.685,"end":184.94499,"sentiment":"neutral","sentiment_score":0.2044080457379741}],"sentiment":"neutral","sentiment_score":0.02887983855448271,"num_words":95,"start":160.8,"end":184.94499},{"sentences":[{"text":"With your care, Super, the reset is from a bit longer ago from last year because we haven't been able to get a new third party authority applied to the account.","start":186.14,"end":194.08,"sentiment":"neutral","sentiment_score":-0.03613737694198085},{"text":"As part of the annual review doc today, we do have a third party authority form attached.","start":194.62,"end":200.4,"sentiment":"neutral","sentiment_score":0.085143393234295},{"text":"So if you can sign and return that back with the other documents there, we can have that applied so we can update the the additional balance there.","start":200.71501,"end":207.675,"sentiment":"neutral","sentiment_score":0.1279980814350503},{"text":"Because and then part of the advice that Tommy provided last year was that there was to be a rollover, so there's probably it's gonna be a different balance of what you can see there.","start":207.675,"end":216.3,"sentiment":"neutral","sentiment_score":-0.08276453805821282},{"text":"Okay?","start":216.54001,"end":217.04001,"sentiment":"neutral","sentiment_score":0.02282744087278843}],"sentiment":"neutral","sentiment_score":0.009260659721413893,"num_words":112,"start":186.14,"end":217.04001},{"sentences":[{"text":"Excellent.","start":220.62,"end":220.78,"sentiment":"positive","sentiment_score":0.44240862131118774},{"text":"Now yes.","start":220.78,"end":222.08,"sentiment":"neutral","sentiment_score":0.15682686120271683},{"text":"Yeah.","start":228.3,"end":228.78,"sentiment":"neutral","sentiment_score":-0.06809277087450027},{"text":"It looks like you've got the the care suit for the life and the CBD policy there, but then we've also got an AIA policy noted here as well.","start":228.78,"end":235.795,"sentiment":"neutral","sentiment_score":0.19558207485182533},{"text":"So it gives you some additional life, total permanent disability cover, and looks like income protection there as well.","start":235.795,"end":242.055,"sentiment":"neutral","sentiment_score":0.25230561902648524}],"sentiment":"neutral","sentiment_score":0.21449339432785144,"num_words":52,"start":220.62,"end":242.055},{"sentences":[{"text":"I'm kind of looking at that at the moment.","start":247.41,"end":250.55,"sentiment":"negative","sentiment_score":-0.33850273821089005},{"text":"So let me just go in here for you.","start":250.61,"end":253.19,"sentiment":"neutral","sentiment_score":0.03148431041174465},{"text":"I'm having a look back at your last advice to see if anything was kind of noted there.","start":255.41,"end":260.47,"sentiment":"neutral","sentiment_score":0.010669629606935713},{"text":"Because the last documents I had for annual review only noted the care supervisor.","start":261.535,"end":265.795,"sentiment":"neutral","sentiment_score":-0.06193296345216887},{"text":"There was no additional AIA policy on top of that.","start":266.015,"end":269.155,"sentiment":"neutral","sentiment_score":-0.1434648595750332}],"sentiment":"neutral","sentiment_score":-0.08121371002246937,"num_words":60,"start":247.41,"end":269.155},{"sentences":[{"text":"And when Tommy provided this this Sorry.","start":270.015,"end":273.055,"sentiment":"neutral","sentiment_score":-0.03534370980092457},{"text":"You're right, sir.","start":273.055,"end":273.955,"sentiment":"neutral","sentiment_score":-0.07960151880979538},{"text":"Yeah.","start":279.05,"end":279.55,"sentiment":"neutral","sentiment_score":-0.03966403752565384},{"text":"Yeah.","start":283.29,"end":283.79,"sentiment":"neutral","sentiment_score":-0.15656208992004397},{"text":"Interesting, isn't it?","start":283.85,"end":285.31,"sentiment":"neutral","sentiment_score":-0.08556641389926274}],"sentiment":"neutral","sentiment_score":-0.06260905961195627,"num_words":15,"start":270.015,"end":285.31},{"sentences":[{"text":"I've got I can see that you had a stroke as well in the last couple of years.","start":286.01,"end":291.29,"sentiment":"neutral","sentiment_score":-0.15750761164559257},{"text":"Is that right?","start":291.29,"end":292.155,"sentiment":"neutral","sentiment_score":-0.03780376849075159},{"text":"No.","start":294.715,"end":294.955,"sentiment":"neutral","sentiment_score":-0.2315769195556641},{"text":"That's okay.","start":294.955,"end":295.695,"sentiment":"neutral","sentiment_score":-0.16221297532320023},{"text":"You've had a stroke in the past.","start":295.835,"end":297.435,"sentiment":"neutral","sentiment_score":-0.19424825693879808}],"sentiment":"neutral","sentiment_score":-0.15691254786666362,"num_words":31,"start":286.01,"end":297.435},{"sentences":[{"text":"Is that right?","start":297.435,"end":298.335,"sentiment":"neutral","sentiment_score":-0.04673865934213003},{"text":"Yeah.","start":303.275,"end":303.775,"sentiment":"neutral","sentiment_score":-0.05722297355532646},{"text":"Yeah.","start":304.075,"end":304.315,"sentiment":"neutral","sentiment_score":-0.035336025059223175},{"text":"Wow.","start":304.315,"end":304.815,"sentiment":"neutral","sentiment_score":-0.0214178953319788},{"text":"Yeah.","start":311.46,"end":311.94,"sentiment":"neutral","sentiment_score":-0.030965197831392288}],"sentiment":"neutral","sentiment_score":-0.04073686711490154,"num_words":7,"start":297.435,"end":311.94},{"sentences":[{"text":"That's not got a security currency here at all.","start":311.94,"end":314.26,"sentiment":"neutral","sentiment_score":-0.15693900982538858},{"text":"Let me check if you see if there's any because it says that those are being paid out of POG 24.","start":314.26,"end":319.065,"sentiment":"neutral","sentiment_score":-0.04841483996382782},{"text":"Let me see if there's any insurance premiums coming out.","start":319.785,"end":322.665,"sentiment":"neutral","sentiment_score":-0.07897544130682946},{"text":"Because, yeah, I haven't looked at, like, the super and everything.","start":322.665,"end":324.745,"sentiment":"neutral","sentiment_score":-0.1560339094562964},{"text":"I've just been looking at this stuff and we're going it says it's a lot of AIA insurances here as well.","start":324.745,"end":329.245,"sentiment":"neutral","sentiment_score":-0.08991680507149015}],"sentiment":"neutral","sentiment_score":-0.09477143126746847,"num_words":72,"start":311.94,"end":329.245},{"sentences":[{"text":"You don't remember ever applying for or going through, like, the underwriting process to apply for any additional coverage that was accepted?","start":330.585,"end":338.41,"sentiment":"neutral","sentiment_score":-0.12768756225705147},{"text":"No.","start":341.50998,"end":342.00998,"sentiment":"neutral","sentiment_score":-0.24284271895885468},{"text":"Interesting.","start":342.15,"end":342.65,"sentiment":"neutral","sentiment_score":-0.1826895922422409},{"text":"Paid until there's definitely nothing coming out of here.","start":348.78497,"end":352.965,"sentiment":"neutral","sentiment_score":-0.27921264701419407},{"text":"Nothing coming out of there.","start":356.865,"end":357.905,"sentiment":"neutral","sentiment_score":-0.24934964776039123}],"sentiment":"neutral","sentiment_score":-0.18406107217857712,"num_words":38,"start":330.585,"end":357.905},{"sentences":[{"text":"There's Mississippi of the time being noted there.","start":357.905,"end":360.16498,"sentiment":"neutral","sentiment_score":-0.09658330120146275},{"text":"Leave that one with me.","start":360.94998,"end":361.99,"sentiment":"neutral","sentiment_score":-0.1151200845837593},{"text":"I'll go so I can get to verify because I don't think that is accurate either.","start":361.99,"end":367.59,"sentiment":"neutral","sentiment_score":-0.128999475389719},{"text":"I just there's nothing coming out of your hub twenty four account.","start":367.59,"end":370.63,"sentiment":"neutral","sentiment_score":-0.10510765761137009},{"text":"I'm not sure where they pulled those figures for, but there is definitely I'm just logged in to AIA, and there's definitely nothing to the end of your name that I can see at the moment.","start":370.63,"end":377.64502,"sentiment":"neutral","sentiment_score":-0.09126530629065302}],"sentiment":"neutral","sentiment_score":-0.1033649526826747,"num_words":77,"start":357.905,"end":377.64502},{"sentences":[{"text":"So ignore that one for the moment.","start":378.745,"end":380.105,"sentiment":"neutral","sentiment_score":-0.17945104837417603},{"text":"I do apologize about that.","start":380.105,"end":381.545,"sentiment":"neutral","sentiment_score":-0.2698940306901932},{"text":"That's not accurate or good.","start":381.545,"end":383.86502,"sentiment":"negative","sentiment_score":-0.6396305561065674},{"text":"I don't like that at all.","start":383.86502,"end":384.98502,"sentiment":"negative","sentiment_score":-0.5310612618923187},{"text":"So I will go back and get them to re clarify.","start":384.98502,"end":387.305,"sentiment":"neutral","sentiment_score":-0.1054151092063297}],"sentiment":"neutral","sentiment_score":-0.2985210013301933,"num_words":34,"start":378.745,"end":387.305},{"sentences":[{"text":"If there is anything that we've been able to find that just hasn't kind of been brought up in the past, I'll let you know.","start":387.305,"end":393.34,"sentiment":"neutral","sentiment_score":-0.13472299486398698},{"text":"If that's definitely not accurate, then I'll let you know there.","start":394.04,"end":397.0,"sentiment":"neutral","sentiment_score":-0.26957117833874444},{"text":"But let's kinda focus on the care super insurances for the moment there.","start":397.0,"end":400.68,"sentiment":"neutral","sentiment_score":-0.02456428626408944},{"text":"So looking at your life and CPD, I know that you're well aware that you're not really able to gain new color at the moment due to the heart condition and your previous health history.","start":400.68,"end":409.215,"sentiment":"neutral","sentiment_score":-0.15890492988484248},{"text":"But in the event of passing so if you focus on what you've got at the moment, the life and TPD, or is this the life to start with, If you were to say pass away based on the current benefit, you've got 200 and one thousand two hundred and fifty, but then your sister is also released on top of that.","start":410.715,"end":427.40002,"sentiment":"neutral","sentiment_score":-0.013705892360679085}],"sentiment":"neutral","sentiment_score":-0.08948035224034667,"num_words":146,"start":387.305,"end":427.40002},{"sentences":[{"text":"So we've got some care as well as you have 24 benefits.","start":427.40002,"end":430.7,"sentiment":"neutral","sentiment_score":0.08518675559510787},{"text":"It realistically gives you a little over 600 of thousand dollars there, 600 and nearly 70,000, essentially.","start":431.38498,"end":438.44498,"sentiment":"neutral","sentiment_score":0.12688331634682767},{"text":"Are you sort of happy with that?","start":439.38498,"end":441.705,"sentiment":"neutral","sentiment_score":0.16328999825886317},{"text":"What would you want that to cover?","start":441.705,"end":443.145,"sentiment":"neutral","sentiment_score":0.046435621700116565},{"text":"Because having a look, your mortgage is a little bit higher than that.","start":443.145,"end":445.865,"sentiment":"neutral","sentiment_score":-0.08470702343262158}],"sentiment":"neutral","sentiment_score":0.06332402643082398,"num_words":56,"start":427.40002,"end":445.865},{"sentences":[{"text":"Is that right?","start":445.865,"end":446.76498,"sentiment":"neutral","sentiment_score":0.012801538531978926},{"text":"Yeah.","start":450.16,"end":450.66,"sentiment":"neutral","sentiment_score":0.12003498524427414},{"text":"So then it would pay off most of the mortgage or could sort of be paid out, you know, to look after your family.","start":450.8,"end":457.12,"sentiment":"neutral","sentiment_score":0.13134252466261387},{"text":"You've got three kids.","start":457.12,"end":458.63998,"sentiment":"neutral","sentiment_score":0.10490690171718597},{"text":"Is that right?","start":458.63998,"end":459.54,"sentiment":"neutral","sentiment_score":0.10386577000220616}],"sentiment":"neutral","sentiment_score":0.11548243170338017,"num_words":35,"start":445.865,"end":459.54},{"sentences":[{"text":"Yep.","start":461.52,"end":462.0,"sentiment":"neutral","sentiment_score":0.22420188784599304},{"text":"Beautiful.","start":462.0,"end":462.5,"sentiment":"positive","sentiment_score":0.536395251750946},{"text":"And where do you sort of want that benefit to be paid paid to?","start":463.33502,"end":466.375,"sentiment":"neutral","sentiment_score":0.11200665842209544},{"text":"What would you want them to be able to do with that benefit?","start":466.375,"end":468.795,"sentiment":"neutral","sentiment_score":0.12387298276791206},{"text":"Yeah.","start":477.57,"end":477.88998,"sentiment":"neutral","sentiment_score":-0.014118270948529243}],"sentiment":"neutral","sentiment_score":0.1308306954180201,"num_words":30,"start":461.52,"end":477.88998},{"sentences":[{"text":"Yeah.","start":477.88998,"end":478.21,"sentiment":"neutral","sentiment_score":-0.014562644064426422},{"text":"It's always up to them.","start":478.21,"end":479.25,"sentiment":"neutral","sentiment_score":-0.013797888159751892},{"text":"We always say, this is what we want you to do with the funds, but it always sort of comes down to what they would wanna do.","start":479.25,"end":484.87,"sentiment":"neutral","sentiment_score":-0.005733645072689763},{"text":"If in the event you were to say pass away, does your wife work?","start":486.05,"end":489.00998,"sentiment":"neutral","sentiment_score":-0.05346539084400449},{"text":"Is she working currently?","start":489.00998,"end":490.31,"sentiment":"neutral","sentiment_score":-0.024233795702457428}],"sentiment":"neutral","sentiment_score":-0.021251199146111805,"num_words":51,"start":477.88998,"end":490.31},{"sentences":[{"text":"Yeah.","start":492.95502,"end":493.27502,"sentiment":"neutral","sentiment_score":0.08381296694278717},{"text":"Okay.","start":493.27502,"end":493.595,"sentiment":"neutral","sentiment_score":0.19078081846237183},{"text":"Perfect.","start":493.595,"end":493.995,"sentiment":"positive","sentiment_score":0.33727511763572693},{"text":"So realistically, she could, you know, draw the funds down.","start":493.995,"end":496.83502,"sentiment":"neutral","sentiment_score":0.09284842759370804},{"text":"It's based on your mortgage, last time we checked your mortgage, we're just sitting at 890,000.","start":496.83502,"end":501.755,"sentiment":"neutral","sentiment_score":0.012101687025278807}],"sentiment":"neutral","sentiment_score":0.05979241970284232,"num_words":29,"start":492.95502,"end":501.755},{"sentences":[{"text":"Has that kind of reduced a bit since you last caught up with us?","start":501.755,"end":504.51,"sentiment":"neutral","sentiment_score":-0.06021340896508524},{"text":"That's okay.","start":508.27002,"end":508.83002,"sentiment":"neutral","sentiment_score":0.11548038199543956},{"text":"You're fine.","start":508.83002,"end":509.57,"sentiment":"neutral","sentiment_score":0.15563800930976868},{"text":"Okay.","start":522.50494,"end":522.82495,"sentiment":"neutral","sentiment_score":0.11369621753692628},{"text":"Beautiful.","start":522.82495,"end":523.32495,"sentiment":"positive","sentiment_score":0.5432428121566772}],"sentiment":"neutral","sentiment_score":0.017809404339641333,"num_words":20,"start":501.755,"end":523.32495},{"sentences":[{"text":"Definitely.","start":523.545,"end":523.94495,"sentiment":"positive","sentiment_score":0.45646795630455017},{"text":"It's in there.","start":523.94495,"end":524.665,"sentiment":"neutral","sentiment_score":0.22087920705477396},{"text":"Are you sort of paying more on top of that at the on top of the mortgage at the moment to try and reduce it as quickly as possible?","start":524.665,"end":530.52496,"sentiment":"neutral","sentiment_score":0.01697090332364214},{"text":"Yep.","start":535.08,"end":535.58,"sentiment":"neutral","sentiment_score":-0.049850236624479294},{"text":"Okay.","start":542.6,"end":543.1,"sentiment":"neutral","sentiment_score":0.0906333029270172}],"sentiment":"neutral","sentiment_score":0.047201281147343774,"num_words":35,"start":523.545,"end":543.1},{"sentences":[{"text":"Beautiful.","start":543.16,"end":543.66,"sentiment":"neutral","sentiment_score":0.25490012764930725},{"text":"And in savings, how much do you have sitting in there at the moment?","start":544.455,"end":547.275,"sentiment":"neutral","sentiment_score":0.03608105118785586},{"text":"Yep.","start":552.85504,"end":553.255,"sentiment":"neutral","sentiment_score":0.08763714879751205},{"text":"Beautiful.","start":553.255,"end":553.755,"sentiment":"positive","sentiment_score":0.4068693518638611},{"text":"Fantastic.","start":555.49506,"end":555.99506,"sentiment":"positive","sentiment_score":0.4595597982406616}],"sentiment":"neutral","sentiment_score":0.09522784128785133,"num_words":18,"start":543.16,"end":555.99506},{"sentences":[{"text":"R15,000.","start":556.53503,"end":557.815,"sentiment":"neutral","sentiment_score":0.22491592168807983},{"text":"Excellent.","start":557.815,"end":558.315,"sentiment":"positive","sentiment_score":0.4012443721294403},{"text":"Lovely.","start":570.39996,"end":570.88,"sentiment":"neutral","sentiment_score":0.08590058237314224},{"text":"Yeah.","start":570.88,"end":571.19995,"sentiment":"neutral","sentiment_score":-0.0013262256979942322},{"text":"Of course.","start":571.19995,"end":571.86,"sentiment":"neutral","sentiment_score":0.027822425588965416}],"sentiment":"neutral","sentiment_score":0.12772991694509983,"num_words":6,"start":556.53503,"end":571.86},{"sentences":[{"text":"Yeah.","start":572.235,"end":572.475,"sentiment":"neutral","sentiment_score":0.04343562573194504},{"text":"Of course.","start":572.475,"end":572.955,"sentiment":"neutral","sentiment_score":0.0639495849609375},{"text":"Understandable.","start":572.955,"end":573.455,"sentiment":"neutral","sentiment_score":0.0791780948638916},{"text":"What I'll do is after the call, I'll go back.","start":573.915,"end":575.755,"sentiment":"neutral","sentiment_score":0.01456159446388483},{"text":"I'll get my admin team to have a little look into it to find out why it was even noted there.","start":575.755,"end":580.095,"sentiment":"neutral","sentiment_score":-0.021789400793966792}],"sentiment":"neutral","sentiment_score":-0.0017556737576212202,"num_words":35,"start":572.235,"end":580.095},{"sentences":[{"text":"I can shoot you an email after the call to let you know once they've done the investigation to what the deal was and yeah.","start":580.235,"end":585.86,"sentiment":"neutral","sentiment_score":0.02662976622581482},{"text":"Whether there's actually anything there.","start":585.86,"end":587.3,"sentiment":"neutral","sentiment_score":-0.013639609143137933},{"text":"Because, I mean, realistically, if there's some sort of older policy that's found, great.","start":587.3,"end":591.86,"sentiment":"neutral","sentiment_score":0.04630670616669314},{"text":"Let's look at that.","start":591.86,"end":592.81995,"sentiment":"neutral","sentiment_score":0.03133232519030571},{"text":"Let's, you know, see what it does for you.","start":592.81995,"end":594.92,"sentiment":"neutral","sentiment_score":0.06439188826415274}],"sentiment":"neutral","sentiment_score":0.034222741954420745,"num_words":57,"start":580.235,"end":594.92},{"sentences":[{"text":"If they unfortunately haven't and then put it there by mistake, then that's not okay.","start":595.45996,"end":600.615,"sentiment":"neutral","sentiment_score":-0.306946212053299},{"text":"That should should not be noted because I don't wanna give you false hope.","start":600.615,"end":603.575,"sentiment":"negative","sentiment_score":-0.3595800591366632},{"text":"Absolutely.","start":603.575,"end":604.075,"sentiment":"neutral","sentiment_score":0.10191992670297624},{"text":"Excellent.","start":606.375,"end":606.875,"sentiment":"positive","sentiment_score":0.5834845304489136},{"text":"All good.","start":607.255,"end":607.995,"sentiment":"positive","sentiment_score":0.5674141943454742}],"sentiment":"neutral","sentiment_score":-0.2369115503899979,"num_words":33,"start":595.45996,"end":607.995},{"sentences":[{"text":"With the TBD cover, now do you understand how total permanent disability cover works, what it means, how it's paid out, things like that?","start":608.215,"end":616.83,"sentiment":"neutral","sentiment_score":0.07857480769356091},{"text":"Got a good understanding of that?","start":619.05005,"end":620.49005,"sentiment":"neutral","sentiment_score":0.17388609051704407},{"text":"Beautiful.","start":620.49005,"end":620.99005,"sentiment":"positive","sentiment_score":0.48435890674591064},{"text":"So you do have the same level of CBD within your care through there as your life cover.","start":621.05005,"end":625.545,"sentiment":"neutral","sentiment_score":0.15067075731025803},{"text":"In the event of the CBD claim, we can also claim incapacity against the super benefit there.","start":625.785,"end":631.46497,"sentiment":"neutral","sentiment_score":0.023291669895543772}],"sentiment":"neutral","sentiment_score":0.09881064930761402,"num_words":66,"start":608.215,"end":631.46497},{"sentences":[{"text":"So what I'd be sort of lacking to do, because you do have that gap in the risk side of things, is try to boost the super as much as possible.","start":631.46497,"end":637.70496,"sentiment":"neutral","sentiment_score":0.05664282652639573},{"text":"So it provides a greater benefit in the event of a claim long term, as well as providing for your long term retirement needs down the track there as well.","start":637.70496,"end":647.25,"sentiment":"neutral","sentiment_score":0.24479943240682284},{"text":"With your super side of things, are you, with your expenditure at the moment, are you finding with your with the way living costs are that you have extra money to maybe be able to put in the city because of a biodegraded benefit, or is it not really a possibility now?","start":647.87,"end":662.615,"sentiment":"neutral","sentiment_score":-0.048234763053747326},{"text":"You're not really wanting to do that?","start":662.615,"end":664.235,"sentiment":"neutral","sentiment_score":-0.22588110821587698},{"text":"Yep.","start":673.48,"end":673.98,"sentiment":"neutral","sentiment_score":0.010677337646484377}],"sentiment":"neutral","sentiment_score":0.04149762393275568,"num_words":121,"start":631.46497,"end":673.98},{"sentences":[{"text":"Just the school fees and living expenses is not possible.","start":675.72,"end":678.45996,"sentiment":"neutral","sentiment_score":-0.02746969349682331},{"text":"Yes.","start":681.72,"end":682.22,"sentiment":"neutral","sentiment_score":0.04158960282802582},{"text":"Yes.","start":682.36,"end":682.86,"sentiment":"neutral","sentiment_score":0.06035137549042702},{"text":"Absolutely.","start":683.335,"end":683.835,"sentiment":"neutral","sentiment_score":0.08924780786037445},{"text":"No.","start":683.975,"end":684.215,"sentiment":"neutral","sentiment_score":0.024503637105226517}],"sentiment":"neutral","sentiment_score":-0.004214607977441379,"num_words":14,"start":675.72,"end":684.215},{"sentences":[{"text":"That's okay.","start":684.215,"end":684.615,"sentiment":"neutral","sentiment_score":0.07577024772763252},{"text":"That's not a problem at all.","start":684.615,"end":685.57495,"sentiment":"neutral","sentiment_score":0.22807329148054123},{"text":"We'll make a note to sort of look at that and leave this down the track.","start":685.57495,"end":688.375,"sentiment":"neutral","sentiment_score":0.17927605379372835},{"text":"Not an issue.","start":688.375,"end":689.275,"sentiment":"neutral","sentiment_score":0.14567096283038458},{"text":"And with your retirement goals, we had done that you're sort of hoping to be able to retire fully access to around about the age of 60.","start":689.815,"end":696.375,"sentiment":"neutral","sentiment_score":0.11061993268904863}],"sentiment":"neutral","sentiment_score":0.14466941066914135,"num_words":54,"start":684.215,"end":696.375},{"sentences":[{"text":"Is that still your goal age, or has that sort of changed?","start":696.375,"end":702.68,"sentiment":"neutral","sentiment_score":0.03969697809467713},{"text":"Yeah.","start":704.5,"end":704.98004,"sentiment":"neutral","sentiment_score":0.31846052408218384},{"text":"That's okay.","start":704.98004,"end":705.62,"sentiment":"positive","sentiment_score":0.3724994957447052},{"text":"We'll work on that for you.","start":705.62,"end":706.82,"sentiment":"neutral","sentiment_score":0.31204022467136383},{"text":"Not a problem at all.","start":706.82,"end":708.2,"sentiment":"neutral","sentiment_score":0.3253250181674957}],"sentiment":"neutral","sentiment_score":0.19379575736820698,"num_words":26,"start":696.375,"end":708.2},{"sentences":[{"text":"Retire as soon as we possibly can so we can enjoy our life while we have the chance to.","start":708.82,"end":712.935,"sentiment":"positive","sentiment_score":0.34008152077072545},{"text":"Fantastic.","start":715.495,"end":715.995,"sentiment":"positive","sentiment_score":0.7444943189620972},{"text":"Excellent.","start":717.175,"end":717.675,"sentiment":"positive","sentiment_score":0.6638368368148804},{"text":"Now if I can get you to move to the next document for me, the next one along is the performance with internal rate of return.","start":717.815,"end":723.515,"sentiment":"neutral","sentiment_score":0.19305995106697083},{"text":"This is sort of showing you how all the individual within your super has performed over the past twelve months there.","start":724.055,"end":730.51996,"sentiment":"neutral","sentiment_score":0.11759242379949206}],"sentiment":"neutral","sentiment_score":0.22586587761693142,"num_words":68,"start":708.82,"end":730.51996},{"sentences":[{"text":"Having a look at things now, this is where I sort of did a little bit of booking ads over the beforehand.","start":731.3,"end":737.31995,"sentiment":"neutral","sentiment_score":0.02738834557716142},{"text":"I'm gonna be really honest with you.","start":739.145,"end":740.84503,"sentiment":"neutral","sentiment_score":0.00042302108236721585},{"text":"There is something that sort of flagged with me that I'm gonna take to our senior management team and have already brought up with them.","start":740.905,"end":747.245,"sentiment":"neutral","sentiment_score":-0.033351203724741936},{"text":"Tommy gave you some advice last year, but that was around about late last year where he had recommended to change the investment portfolio there.","start":747.545,"end":756.81,"sentiment":"neutral","sentiment_score":-0.01031770272180438},{"text":"He had recommended just to keep it in that growth environment but to sell some of the underperforming investments and to remove that down along Australian equities investment.","start":756.95,"end":764.71,"sentiment":"neutral","sentiment_score":-0.01777118637359568}],"sentiment":"neutral","sentiment_score":-0.00919449653598332,"num_words":107,"start":731.3,"end":764.71},{"sentences":[{"text":"Do you remember going through that with him?","start":764.71,"end":766.73004,"sentiment":"neutral","sentiment_score":-0.003061475115828216},{"text":"Yeah.","start":769.11,"end":769.51,"sentiment":"neutral","sentiment_score":0.045710958540439606},{"text":"Beautiful.","start":769.51,"end":770.01,"sentiment":"neutral","sentiment_score":0.1392051726579666},{"text":"Unfortunately, it did looks like it hasn't actually gone through the swap.","start":770.875,"end":774.07495,"sentiment":"neutral","sentiment_score":-0.10043070403238137},{"text":"So you still do technically have that along Australian equity in your investment portfolio, and that is pulling things down a little bit.","start":774.07495,"end":781.755,"sentiment":"neutral","sentiment_score":-0.10825018276986868}],"sentiment":"neutral","sentiment_score":-0.07854440715163946,"num_words":45,"start":764.71,"end":781.755},{"sentences":[{"text":"So I wanted to stand out a little bit.","start":781.755,"end":783.51495,"sentiment":"neutral","sentiment_score":-0.07391136801905102},{"text":"Hey.","start":783.51495,"end":783.675,"sentiment":"neutral","sentiment_score":-0.02249733917415142},{"text":"I've done this investigation for you.","start":783.675,"end":785.435,"sentiment":"neutral","sentiment_score":-0.012704534611354271},{"text":"I can see this is here.","start":785.435,"end":786.89,"sentiment":"neutral","sentiment_score":-0.0022819566850860915},{"text":"This should not have been here.","start":787.19,"end":788.97003,"sentiment":"neutral","sentiment_score":-0.13215006391207376}],"sentiment":"neutral","sentiment_score":-0.05608996366416769,"num_words":28,"start":781.755,"end":788.97003},{"sentences":[{"text":"I'm honestly not very happy with how with it still being there.","start":789.35004,"end":792.55005,"sentiment":"negative","sentiment_score":-0.36801352972785634},{"text":"It is still holding your portfolio back a little bit.","start":792.55005,"end":795.37,"sentiment":"neutral","sentiment_score":-0.295915512740612},{"text":"All the other investors have been performing quite well.","start":795.67004,"end":798.31,"sentiment":"neutral","sentiment_score":-0.15199486911296844},{"text":"Sorry.","start":798.31,"end":798.63,"sentiment":"neutral","sentiment_score":-0.11881782859563828},{"text":"You're right here.","start":798.63,"end":799.53,"sentiment":"neutral","sentiment_score":-0.062380701303482056}],"sentiment":"neutral","sentiment_score":-0.2585494639618056,"num_words":35,"start":789.35004,"end":799.53},{"sentences":[{"text":"It is.","start":802.625,"end":803.345,"sentiment":"neutral","sentiment_score":0.005085856653749943},{"text":"Correct.","start":803.345,"end":803.845,"sentiment":"neutral","sentiment_score":0.018775731325149536},{"text":"Yeah.","start":803.90497,"end":804.40497,"sentiment":"neutral","sentiment_score":0.020030420273542404},{"text":"Correct.","start":804.46497,"end":804.96497,"sentiment":"neutral","sentiment_score":0.028454475104808807},{"text":"Correct.","start":805.02496,"end":805.52496,"sentiment":"neutral","sentiment_score":0.005704967305064201}],"sentiment":"neutral","sentiment_score":0.013856217886010805,"num_words":6,"start":802.625,"end":805.52496},{"sentences":[{"text":"And then along has had a bit of a volatile year.","start":805.665,"end":808.225,"sentiment":"neutral","sentiment_score":-0.10483781891790303},{"text":"It had started sort of taking a bit of a dip at the end of last year, and that's when sort of Tommy had provided that advice to sell you out of the Benelon Australian Equities, and he was just looking to move you into another active loan that is done called Alfinity.","start":808.225,"end":821.97003,"sentiment":"neutral","sentiment_score":-0.07405105229678019},{"text":"So it looks like that investment switch did not go through.","start":823.31,"end":826.45,"sentiment":"neutral","sentiment_score":-0.06562746011398056},{"text":"So you still have the Benelon.","start":827.47003,"end":829.25,"sentiment":"neutral","sentiment_score":-0.10548881068825722},{"text":"It's just being it's just being missed.","start":830.57495,"end":833.055,"sentiment":"neutral","sentiment_score":-0.22645610677344458}],"sentiment":"neutral","sentiment_score":-0.09111306196163324,"num_words":88,"start":805.665,"end":833.055},{"sentences":[{"text":"It looks like it has been a bit of an administration error.","start":833.055,"end":835.77496,"sentiment":"negative","sentiment_score":-0.3617451563477516},{"text":"They've started the implementation, and it hasn't been completed.","start":835.77496,"end":838.755,"sentiment":"neutral","sentiment_score":-0.24979505274030897},{"text":"So I will go back to our senior management team, and I've already flagged an email to send off shortly to say this would be advised.","start":838.815,"end":846.5,"sentiment":"neutral","sentiment_score":-0.05696792442065019},{"text":"It's not how has not happened.","start":846.5,"end":848.19995,"sentiment":"neutral","sentiment_score":-0.2599564790725708},{"text":"The way this sort of works for you is our senior management team will go back and investigate wholly as to what happened, where the the process fell down.","start":848.74,"end":856.98,"sentiment":"neutral","sentiment_score":-0.1375605384337491}],"sentiment":"neutral","sentiment_score":-0.16608851066813235,"num_words":82,"start":833.055,"end":856.98},{"sentences":[{"text":"They will look at the portfolio that was originally recommended for you in that last advice document and look at how this portfolio has performed as well.","start":856.98,"end":866.335,"sentiment":"neutral","sentiment_score":-0.053103774372074336},{"text":"If the newer portfolio that you were recommended has performed better, it'll go through remediation, and OP Financial should remediate you and put a bit extra money in system to replace, essentially the loss that has been seen as a result of that error.","start":866.635,"end":881.48,"sentiment":"neutral","sentiment_score":-0.21477420077743856},{"text":"No.","start":886.98,"end":887.14,"sentiment":"neutral","sentiment_score":-0.08451193571090698},{"text":"No.","start":887.14,"end":887.46,"sentiment":"neutral","sentiment_score":-0.1449299454689026},{"text":"It's definitely not okay.","start":887.46,"end":889.24,"sentiment":"neutral","sentiment_score":-0.21376508101820946}],"sentiment":"neutral","sentiment_score":-0.15543336295462273,"num_words":77,"start":856.98,"end":889.24},{"sentences":[{"text":"Absolutely.","start":892.635,"end":893.135,"sentiment":"neutral","sentiment_score":-0.09618307650089264},{"text":"Yep.","start":897.035,"end":897.535,"sentiment":"neutral","sentiment_score":-0.024401020258665085},{"text":"Worst off.","start":898.795,"end":899.695,"sentiment":"neutral","sentiment_score":-0.2402126044034958},{"text":"Yeah.","start":899.83496,"end":900.235,"sentiment":"neutral","sentiment_score":-0.0996481329202652},{"text":"No.","start":900.235,"end":900.475,"sentiment":"neutral","sentiment_score":-0.22584521770477295}],"sentiment":"neutral","sentiment_score":-0.15441710936526457,"num_words":6,"start":892.635,"end":900.475},{"sentences":[{"text":"No.","start":900.475,"end":900.71497,"sentiment":"neutral","sentiment_score":-0.2440325766801834},{"text":"Absolutely.","start":900.71497,"end":901.21497,"sentiment":"neutral","sentiment_score":-0.22963254153728485},{"text":"I do understand that, and I'm definitely not happy that this occurred for you.","start":901.355,"end":905.695,"sentiment":"negative","sentiment_score":-0.5368091336318425},{"text":"It's certainly not the first call I wanted to make this morning, so I can only apologize for that.","start":905.83496,"end":910.55005,"sentiment":"negative","sentiment_score":-0.45170251162428604},{"text":"It's something I found as part of doing the research for your annual review.","start":911.09,"end":915.03,"sentiment":"negative","sentiment_score":-0.38898515914167675}],"sentiment":"negative","sentiment_score":-0.44932924363077903,"num_words":49,"start":900.475,"end":915.03},{"sentences":[{"text":"I'm also not entirely happy that the admin team doesn't just add an AIA policy to your other documents as well.","start":915.65,"end":921.65,"sentiment":"negative","sentiment_score":-0.5006023375760942},{"text":"So I'll go back and just have a bit of word about the accuracy side of things.","start":921.65,"end":925.965,"sentiment":"neutral","sentiment_score":-0.05417971860836534},{"text":"Obviously, we I certainly expect a lot more from my team, and they would expect a lot from from me.","start":926.185,"end":931.865,"sentiment":"neutral","sentiment_score":-0.07809181176126004},{"text":"You pay for our services, and you expect a lot more from us as well.","start":931.865,"end":935.305,"sentiment":"neutral","sentiment_score":-0.00458730806907018},{"text":"So we've definitely let you down in that department.","start":935.305,"end":938.08997,"sentiment":"neutral","sentiment_score":-0.26650764213667977}],"sentiment":"neutral","sentiment_score":-0.18857218220648242,"num_words":82,"start":915.65,"end":938.08997},{"sentences":[{"text":"I'm not impressed about it.","start":938.14996,"end":939.61,"sentiment":"negative","sentiment_score":-0.6606142401695252},{"text":"I wanna do the right thing by you, so I will flag it with our senior management team.","start":939.82996,"end":944.41,"sentiment":"neutral","sentiment_score":-0.17647253970305124},{"text":"They will look at it, investigate it, and remediate you.","start":944.94995,"end":948.00995,"sentiment":"neutral","sentiment_score":-0.07083765231072903},{"text":"I do have to let you know that if we find out that this portfolio, albeit, is a little bit lower than we expect, has performed better than the recommended, there would be no additional remediation made.","start":948.255,"end":961.29,"sentiment":"neutral","sentiment_score":-0.1571224425491449},{"text":"But, I mean, Venalong is down pretty heavily, so I generally have no deposit investment that performed better than Venalong because of what's kinda going on there.","start":961.37,"end":969.87,"sentiment":"neutral","sentiment_score":-0.13331598346983944}],"sentiment":"neutral","sentiment_score":-0.17114448831560686,"num_words":97,"start":938.14996,"end":969.87},{"sentences":[{"text":"So I will flag that with you, and I'm very sorry that that occurred.","start":970.57,"end":973.63,"sentiment":"neutral","sentiment_score":-0.1372061153607709},{"text":"With everything else within your portfolio, though, most other things have performed really well.","start":978.065,"end":983.125,"sentiment":"positive","sentiment_score":0.36073933648211615},{"text":"Looking as a whole, you think hybrids are they are more of a defensive investment.","start":983.745,"end":988.885,"sentiment":"neutral","sentiment_score":0.2952662229537964},{"text":"You've got global cybersecurity, and they're up over 7%, which is quite nice.","start":989.025,"end":993.88,"sentiment":"positive","sentiment_score":0.4162284021194165},{"text":"So the other side of the Australian equity portion is really sort of look at then along being down isn't just about the market because the market has been very up and down this year.","start":994.81995,"end":1004.18,"sentiment":"neutral","sentiment_score":-0.07058373338409833}],"sentiment":"neutral","sentiment_score":0.1153735933968654,"num_words":91,"start":970.57,"end":1004.18},{"sentences":[{"text":"Overall, market haven't performed as they have over the past couple of years, and this year that the average return in super and in investments is down a little bit as well.","start":1004.18,"end":1013.855,"sentiment":"neutral","sentiment_score":-0.15302419173531234},{"text":"But the third investment down there, the that's the beta of the Raffy.","start":1014.395,"end":1019.455,"sentiment":"neutral","sentiment_score":0.038578490081887976},{"text":"That's Australian equity.","start":1019.8,"end":1020.84,"sentiment":"neutral","sentiment_score":0.08406265328327815},{"text":"It's giving you access to exposure into some of the, you know, biggest 200 companies on the ASX within large and mid cap space.","start":1020.84,"end":1027.58,"sentiment":"neutral","sentiment_score":0.07805467707415421},{"text":"And essentially, that's up to 13.92%.","start":1028.12,"end":1031.48,"sentiment":"neutral","sentiment_score":0.046540128688017525}],"sentiment":"neutral","sentiment_score":-0.025519394650100134,"num_words":78,"start":1004.18,"end":1031.48},{"sentences":[{"text":"So to see Australian equity is actually doing really well at the moment, but to see it's been a long down sort of shows you guys issue within the fund itself and not and not because of the market as a whole.","start":1031.48,"end":1042.125,"sentiment":"neutral","sentiment_score":0.02931943540239618},{"text":"Okay?","start":1042.125,"end":1042.625,"sentiment":"neutral","sentiment_score":0.007387001067399979},{"text":"We've also got the battery lithium tech, which has been one of your best performers up over 35% of the portfolio currently.","start":1044.4451,"end":1050.98,"sentiment":"neutral","sentiment_score":0.21459461409937253},{"text":"Physical goal again has done quite well.","start":1051.2799,"end":1053.2,"sentiment":"neutral","sentiment_score":0.2405287708554949},{"text":"We have had a bit of volatility within that this year.","start":1053.2,"end":1055.86,"sentiment":"neutral","sentiment_score":-0.23895135792818936}],"sentiment":"neutral","sentiment_score":0.06042314767388694,"num_words":83,"start":1031.48,"end":1055.86},{"sentences":[{"text":"For composite bonds, the bonds have taken a little bit of a hit.","start":1056.24,"end":1059.2,"sentiment":"neutral","sentiment_score":-0.32788645189542037},{"text":"You're still showing a positive return there, but bonds have taken a bit of a hit in the market this year with the high inflationary pressures within Australia.","start":1059.2,"end":1066.6649,"sentiment":"neutral","sentiment_score":-0.2909276722265141},{"text":"And the S and P 500 is, again, doing really well, so that has taken a bit of an up and down.","start":1067.5249,"end":1072.745,"sentiment":"neutral","sentiment_score":-0.09592068161476743},{"text":"We with what's been happening globally, US and Australian equities have sort of seen that up and down trend.","start":1073.445,"end":1079.6,"sentiment":"neutral","sentiment_score":-0.1117046244050327},{"text":"But overall, this year has come out with a positive return, so it is good to see.","start":1079.98,"end":1084.0,"sentiment":"positive","sentiment_score":0.6497092019109165}],"sentiment":"neutral","sentiment_score":-0.0565261123607857,"num_words":99,"start":1056.24,"end":1084.0},{"sentences":[{"text":"The property side of things there is a little bit low.","start":1084.54,"end":1087.4199,"sentiment":"neutral","sentiment_score":-0.17743987793272192},{"text":"That is a lot to do with what sort of being happening with the legislative side of things.","start":1087.4199,"end":1091.3251,"sentiment":"neutral","sentiment_score":-0.1813832488324907},{"text":"So there's been updates and changes to capital gains tax, maybe with gearing, and also borrow within stuff on your super fund side of things.","start":1091.3251,"end":1098.6051,"sentiment":"neutral","sentiment_score":-0.08765715152025223},{"text":"The property has taken a little bit of a hit after all those changes there.","start":1098.6051,"end":1102.2251,"sentiment":"negative","sentiment_score":-0.4242155094941457},{"text":"It is down within the portfolio.","start":1102.75,"end":1104.61,"sentiment":"negative","sentiment_score":-0.3470666656891505}],"sentiment":"neutral","sentiment_score":-0.21138398081064225,"num_words":75,"start":1084.54,"end":1104.61},{"sentences":[{"text":"Realistically, I would like to sort of put this through and look at getting the remediation sorted for you, but I'm there are some changes that we could definitely look to make within the portfolio as a whole.","start":1105.71,"end":1119.665,"sentiment":"neutral","sentiment_score":-0.04880047481703131},{"text":"I wanted to find out from you if you would like me to go back and maybe update it by update the portfolio and make some changes to reflect or whether you would just like me to go to the remediation, have this completed, and then we come back and talk about making changes and altering your portfolio for the future.","start":1119.725,"end":1136.98,"sentiment":"neutral","sentiment_score":0.0695144517622033},{"text":"What is more what would you like me to do?","start":1137.0399,"end":1139.2,"sentiment":"neutral","sentiment_score":0.006537479907274246},{"text":"How would you like me to attack this for you?","start":1139.2,"end":1141.7799,"sentiment":"neutral","sentiment_score":0.005128801241517067},{"text":"Yep.","start":1144.685,"end":1145.005,"sentiment":"neutral","sentiment_score":0.1261700838804245}],"sentiment":"neutral","sentiment_score":0.021906636748462917,"num_words":120,"start":1105.71,"end":1145.005},{"sentences":[{"text":"Yep.","start":1145.005,"end":1145.3251,"sentiment":"neutral","sentiment_score":0.1937798708677292},{"text":"Happy for both.","start":1145.3251,"end":1146.125,"sentiment":"positive","sentiment_score":0.46873970826466876},{"text":"Beautiful.","start":1146.125,"end":1146.625,"sentiment":"positive","sentiment_score":0.5062549114227295},{"text":"Just wanted to make sure you're comfortable with me going at it wholeheartedly.","start":1147.485,"end":1150.465,"sentiment":"neutral","sentiment_score":0.26643048570706296},{"text":"I'll just we'll get remediation in the background.","start":1150.845,"end":1153.265,"sentiment":"neutral","sentiment_score":0.043189027812331915}],"sentiment":"neutral","sentiment_score":0.22751394014518994,"num_words":26,"start":1145.005,"end":1153.265},{"sentences":[{"text":"Yes.","start":1154.125,"end":1154.4451,"sentiment":"neutral","sentiment_score":0.1335892677307129},{"text":"Beautiful.","start":1154.4451,"end":1154.9451,"sentiment":"positive","sentiment_score":0.3409363031387329},{"text":"And I'll update the portfolio.","start":1155.485,"end":1156.865,"sentiment":"neutral","sentiment_score":0.15950116366147996},{"text":"I think I'm looking at sort of maneuvering the property side things as well.","start":1156.925,"end":1161.0199,"sentiment":"neutral","sentiment_score":0.09089130136583533},{"text":"Property has had a a bit of a hit.","start":1161.0199,"end":1163.2799,"sentiment":"neutral","sentiment_score":-0.29393724269337124}],"sentiment":"neutral","sentiment_score":-0.0033641858647267026,"num_words":30,"start":1154.125,"end":1163.2799},{"sentences":[{"text":"We don't know what it's gonna do down the track, so we could look at investing in property in other ways within the fund.","start":1163.34,"end":1168.38,"sentiment":"neutral","sentiment_score":-0.0703173774915437},{"text":"Sorry.","start":1168.38,"end":1168.7,"sentiment":"neutral","sentiment_score":-0.0668296217918396},{"text":"You're alright.","start":1168.7,"end":1169.36,"sentiment":"neutral","sentiment_score":-0.03645235858857632},{"text":"Yeah.","start":1187.0751,"end":1187.5751,"sentiment":"neutral","sentiment_score":-0.2169703096151352},{"text":"Yeah.","start":1193.67,"end":1194.17,"sentiment":"negative","sentiment_score":-0.3401104211807251}],"sentiment":"neutral","sentiment_score":-0.08222179757110004,"num_words":29,"start":1163.34,"end":1194.17},{"sentences":[{"text":"Yeah.","start":1196.87,"end":1197.37,"sentiment":"neutral","sentiment_score":-0.1541658192873001},{"text":"No.","start":1202.225,"end":1202.705,"sentiment":"neutral","sentiment_score":-0.24029316008090973},{"text":"Completely understandable.","start":1202.705,"end":1203.845,"sentiment":"neutral","sentiment_score":-0.170439675450325},{"text":"The other thing that we'll be changing down the track is the bank hybrid.","start":1204.465,"end":1207.6649,"sentiment":"neutral","sentiment_score":0.08844301264200892},{"text":"So these are the defensive investment.","start":1207.6649,"end":1209.505,"sentiment":"neutral","sentiment_score":0.08490447700023651}],"sentiment":"neutral","sentiment_score":0.0421787795300285,"num_words":24,"start":1196.87,"end":1209.505},{"sentences":[{"text":"I'm more of a complex investment.","start":1209.505,"end":1211.205,"sentiment":"neutral","sentiment_score":-0.030719967558979988},{"text":"The bank the government has come out earlier this year saying they are gonna look at phasing those sorts of investments up down the track.","start":1211.825,"end":1219.14,"sentiment":"neutral","sentiment_score":0.04599563390016556},{"text":"They are trying to streamline and make investment products a little bit easier for the average everyday Australian to understand, and big hybrids are a little bit like bonds and a little bit like shares.","start":1219.2,"end":1229.525,"sentiment":"neutral","sentiment_score":0.15688199145453316},{"text":"They're kind of a combat hybrid investment where they you're basically putting money into the banks and getting an income back, but they're also tradable and grow like shares.","start":1229.525,"end":1238.5651,"sentiment":"neutral","sentiment_score":0.039881346683050024},{"text":"So they are very complex.","start":1238.5651,"end":1240.745,"sentiment":"neutral","sentiment_score":-0.0805308073759079}],"sentiment":"neutral","sentiment_score":0.07210345759987831,"num_words":100,"start":1209.505,"end":1240.745},{"sentences":[{"text":"They can be, but they're more defensive to the low risk because they tend to get a low rate of return, but there is still a risk factor with them.","start":1240.805,"end":1248.48,"sentiment":"neutral","sentiment_score":-0.07076163714130719},{"text":"If you sort of think back to the DFC where, you know, banks were building these different hybrid products, They work really well for a period of time, but then they do also have that downside to them.","start":1248.48,"end":1259.3049,"sentiment":"neutral","sentiment_score":-0.1847260865922037},{"text":"And, you know, if banks tend to go fast, so if things have a, like, the DFC, then these sorts of investments can also have a very high risk component with them.","start":1259.3049,"end":1268.24,"sentiment":"negative","sentiment_score":-0.36146500799804926},{"text":"So I'd probably like to go back, reevaluate that, and because that does have to be removed out of the portfolio eventually, we could look at maybe updating that now for you, making some changes now.","start":1268.24,"end":1279.12,"sentiment":"neutral","sentiment_score":-0.131219527994593},{"text":"That way, over the next couple of years, we hopefully won't have to make such big changes, and that allows the portfolio to compound a little bit better for you.","start":1279.12,"end":1287.7251,"sentiment":"positive","sentiment_score":0.37191142290830614}],"sentiment":"neutral","sentiment_score":-0.08599928301949818,"num_words":166,"start":1240.805,"end":1287.7251},{"sentences":[{"text":"How does that sound?","start":1287.7251,"end":1288.7051,"sentiment":"neutral","sentiment_score":0.19117479771375656},{"text":"Yep.","start":1291.645,"end":1292.045,"sentiment":"positive","sentiment_score":0.4122567176818848},{"text":"Beautiful.","start":1292.045,"end":1292.545,"sentiment":"positive","sentiment_score":0.6413235664367676},{"text":"The other thing to sort of think about is when Tommy did the advice last year, he was recommending to replace the banner long Australian equity with a with a fund called Alfiniti.","start":1293.165,"end":1302.31,"sentiment":"neutral","sentiment_score":0.058788024227727546},{"text":"It is an actively made fund there as well.","start":1303.17,"end":1306.05,"sentiment":"neutral","sentiment_score":0.09943979192111227}],"sentiment":"neutral","sentiment_score":0.09694255003705621,"num_words":48,"start":1287.7251,"end":1306.05},{"sentences":[{"text":"When you tend to have these sorts of active managers within your portfolio, you do pay a little bit more in the way of fees for those sorts of things.","start":1306.05,"end":1313.2151,"sentiment":"neutral","sentiment_score":0.09453883816798528},{"text":"If you want me to sort of keep that active management in there, active managers are trying to outperform against the market.","start":1313.2151,"end":1319.6951,"sentiment":"neutral","sentiment_score":0.20529790764505212},{"text":"There's definitely no guarantees they're going to.","start":1319.6951,"end":1322.1951,"sentiment":"neutral","sentiment_score":0.07822724697845322},{"text":"And as I said, you do pay a little bit more for that.","start":1322.76,"end":1325.26,"sentiment":"neutral","sentiment_score":0.11875045586090821},{"text":"Or I can sort of get that the portfolio to make it more passively managed, make it, you know, more ETF, market tracking, and make it more lower cost for you.","start":1325.48,"end":1335.48,"sentiment":"neutral","sentiment_score":0.16815756693963083}],"sentiment":"neutral","sentiment_score":0.14230048877087612,"num_words":103,"start":1306.05,"end":1335.48},{"sentences":[{"text":"So fees so more money's left in your portfolio working part of the you.","start":1335.48,"end":1339.725,"sentiment":"neutral","sentiment_score":0.19451357211385453},{"text":"Would you like to have that active management side, or would you like to just focus on low cost in your portfolio?","start":1339.865,"end":1345.645,"sentiment":"neutral","sentiment_score":0.08302862231026996},{"text":"What's more important to you?","start":1345.705,"end":1347.245,"sentiment":"neutral","sentiment_score":0.0369204580783844},{"text":"Mhmm.","start":1354.27,"end":1354.77,"sentiment":"neutral","sentiment_score":-0.0002264687791466713},{"text":"Well, realistically, with where you are, you've got about twelve years before you're able to access super at this point.","start":1359.55,"end":1365.795,"sentiment":"neutral","sentiment_score":0.010963409405667335}],"sentiment":"neutral","sentiment_score":0.07989457597009718,"num_words":62,"start":1335.48,"end":1365.795},{"sentences":[{"text":"So focus on your birthdays coming up in the next few days there.","start":1365.875,"end":1369.0951,"sentiment":"neutral","sentiment_score":0.019030916719482496},{"text":"Essentially, with where you are, you you are young enough to take on a little bit more risk in the market to have those active managers in there.","start":1369.795,"end":1376.675,"sentiment":"neutral","sentiment_score":0.053812693671456406},{"text":"That's absolutely fine.","start":1376.675,"end":1378.2151,"sentiment":"neutral","sentiment_score":0.283190776904424},{"text":"I can look at a portfolio which maybe has a little bit of active management in it, is still low cost, is still ETF and easily accessible, and doesn't have anything like analog in it.","start":1379.07,"end":1394.5149,"sentiment":"neutral","sentiment_score":0.18101278160299575},{"text":"Would you like me to sort of look at I can look at the best of both worlds and sort of allocate that for you if that would work for you.","start":1394.575,"end":1401.075,"sentiment":"neutral","sentiment_score":0.20461459602079085}],"sentiment":"neutral","sentiment_score":0.1389293591237881,"num_words":110,"start":1365.875,"end":1401.075},{"sentences":[{"text":"Yes.","start":1403.7749,"end":1404.095,"sentiment":"neutral","sentiment_score":0.20056770741939545},{"text":"That's okay.","start":1404.095,"end":1404.995,"sentiment":"neutral","sentiment_score":0.12485577166080475},{"text":"I know I bet you a lot, and this has been probably not the conversation you thought it was gonna be today.","start":1405.41,"end":1410.61,"sentiment":"neutral","sentiment_score":-0.08186405372213233},{"text":"But do you have any questions for me at the moment?","start":1410.61,"end":1413.25,"sentiment":"neutral","sentiment_score":0.013292795893820849},{"text":"Anything that you want me to kind of reflect on or anything that you might want me to touch on that I haven't yet?","start":1413.25,"end":1419.1901,"sentiment":"neutral","sentiment_score":0.004065905464813113}],"sentiment":"neutral","sentiment_score":-0.018448790752639374,"num_words":60,"start":1403.7749,"end":1419.1901},{"sentences":[{"text":"Yes.","start":1429.285,"end":1429.785,"sentiment":"neutral","sentiment_score":-0.0965118333697319},{"text":"Mhmm.","start":1443.0599,"end":1443.22,"sentiment":"neutral","sentiment_score":0.0033440017141401768},{"text":"Yeah.","start":1443.22,"end":1443.7,"sentiment":"neutral","sentiment_score":0.063359834253788},{"text":"Correct.","start":1443.7,"end":1444.2,"sentiment":"neutral","sentiment_score":0.17534546554088593},{"text":"Absolutely.","start":1444.26,"end":1444.76,"sentiment":"neutral","sentiment_score":0.3245289921760559}],"sentiment":"neutral","sentiment_score":0.09401329206302762,"num_words":5,"start":1429.285,"end":1444.76},{"sentences":[{"text":"Absolutely.","start":1445.14,"end":1445.64,"sentiment":"neutral","sentiment_score":0.3105650544166565},{"text":"And if you look at the next page there, with your portfolio as a total net of fees, it is has performed about eight point sorry.","start":1446.065,"end":1453.265,"sentiment":"neutral","sentiment_score":0.09277635554854687},{"text":"4.83% after fees.","start":1453.265,"end":1455.265,"sentiment":"neutral","sentiment_score":0.024161335080862045},{"text":"It's after admin fees, out fees, everything.","start":1455.265,"end":1457.6849,"sentiment":"neutral","sentiment_score":0.03203814862562077},{"text":"But that 4% of your portfolio over the past twelve months has averaged you 30,153 in dollar figures.","start":1458.32,"end":1465.38,"sentiment":"neutral","sentiment_score":0.06015083587004079}],"sentiment":"neutral","sentiment_score":0.07458575254475529,"num_words":55,"start":1445.14,"end":1465.38},{"sentences":[{"text":"So whilst it is still a good good dollar figure, it is a low net return for the year.","start":1465.44,"end":1471.165,"sentiment":"neutral","sentiment_score":-0.08430918070830797},{"text":"A lot of it is held back because of that banner long, and I do kinda wanna build on that.","start":1471.165,"end":1476.4451,"sentiment":"neutral","sentiment_score":-0.08645915575325488},{"text":"But it would have been good to see a much greater return there and see definitely a higher earning figure because it sort of shows what your portfolio can do if it was sort of set up correctly, essentially.","start":1476.4451,"end":1487.04,"sentiment":"neutral","sentiment_score":0.2871611741108772},{"text":"But yeah.","start":1488.62,"end":1489.28,"sentiment":"neutral","sentiment_score":-0.02428157813847065},{"text":"I can pull that up for you.","start":1492.78,"end":1494.64,"sentiment":"neutral","sentiment_score":0.04499327497822898}],"sentiment":"neutral","sentiment_score":0.09350135644105659,"num_words":87,"start":1465.44,"end":1494.64},{"sentences":[{"text":"Have a look.","start":1494.78,"end":1495.6,"sentiment":"neutral","sentiment_score":0.03378289068738619},{"text":"2025 annual review.","start":1498.7151,"end":1500.8151,"sentiment":"neutral","sentiment_score":0.024363380546371143},{"text":"There we go.","start":1502.0751,"end":1502.895,"sentiment":"neutral","sentiment_score":0.013790092741449675},{"text":"So in the 2025 annual review, the return there was 12.54%.","start":1507.115,"end":1512.495,"sentiment":"neutral","sentiment_score":0.03106653927402063},{"text":"It was much higher.","start":1516.4601,"end":1517.5,"sentiment":"neutral","sentiment_score":0.13533294014632702}],"sentiment":"neutral","sentiment_score":0.0457863660218815,"num_words":24,"start":1494.78,"end":1517.5},{"sentences":[{"text":"Yeah.","start":1517.5,"end":1517.8201,"sentiment":"neutral","sentiment_score":0.026699364185333252},{"text":"Banner loan was still at a lower point.","start":1517.8201,"end":1519.8201,"sentiment":"neutral","sentiment_score":-0.0708476328290999},{"text":"It was up still by 3%.","start":1519.8201,"end":1521.92,"sentiment":"neutral","sentiment_score":0.06389000701407592},{"text":"But yeah.","start":1523.26,"end":1523.8201,"sentiment":"neutral","sentiment_score":-0.14253467321395874},{"text":"I mean, there are gonna be years when you don't get the average return that you're after that is gonna be because of market ups and downs.","start":1523.8201,"end":1530.825,"sentiment":"neutral","sentiment_score":-0.27590284193003617}],"sentiment":"neutral","sentiment_score":-0.17934517579322512,"num_words":44,"start":1517.5,"end":1530.825},{"sentences":[{"text":"We do expect a negative year.","start":1530.825,"end":1532.605,"sentiment":"neutral","sentiment_score":-0.3172747219602267},{"text":"But when we see a negative year, we sort of wanna understand and see that, you know, the S and P five hundred is down, that the ASX is down.","start":1533.065,"end":1540.6649,"sentiment":"neutral","sentiment_score":-0.315625436604023},{"text":"You wanna see those passive investments taking a hit as well.","start":1540.6649,"end":1543.94,"sentiment":"negative","sentiment_score":-0.3433737890286879},{"text":"You don't wanna see the ASX, the S and P five hundred doing really well, but your return being low because then that's more of a trigger that it's the portfolio that's not working.","start":1544.08,"end":1552.9,"sentiment":"negative","sentiment_score":-0.3530262340517605},{"text":"It's not the market as a whole.","start":1553.12,"end":1555.035,"sentiment":"negative","sentiment_score":-0.33970992480005535}],"sentiment":"negative","sentiment_score":-0.3355725515972484,"num_words":88,"start":1530.825,"end":1555.035},{"sentences":[{"text":"If we were in, you know, like, the COVID event or the DFC sort of event or if markets have taken a big dip like they did in around March and April because of what was happening, you know, between The US and Iran war and Trump tweeting, you know, each day, those sorts of events you go, yeah.","start":1555.515,"end":1572.14,"sentiment":"neutral","sentiment_score":-0.13717217080421368},{"text":"Okay.","start":1572.14,"end":1572.62,"sentiment":"neutral","sentiment_score":-0.08063147217035294},{"text":"The market's down.","start":1572.62,"end":1573.58,"sentiment":"neutral","sentiment_score":-0.23822882771492004},{"text":"I expect my portfolio to sort of follow that trend and be down as well, and negative returns expected in those instances.","start":1573.58,"end":1579.6,"sentiment":"negative","sentiment_score":-0.3391629159450531},{"text":"However, having everything else actually performing quite well but seeing a very low return, you can sort of figure that it's probably got to do with one of the investments within their holding it back a little bit.","start":1580.38,"end":1590.7051,"sentiment":"neutral","sentiment_score":-0.30531741874782664}],"sentiment":"neutral","sentiment_score":-0.2272530251705065,"num_words":123,"start":1555.515,"end":1590.7051},{"sentences":[{"text":"So that's kind of where I've come to by looking at all of those outcomes for you.","start":1590.7051,"end":1595.4451,"sentiment":"neutral","sentiment_score":-0.13148896834429571},{"text":"Okay.","start":1595.505,"end":1596.005,"sentiment":"neutral","sentiment_score":0.013815965503454208},{"text":"Yep.","start":1597.5851,"end":1597.98,"sentiment":"neutral","sentiment_score":0.11640565097332},{"text":"Beautiful.","start":1598.14,"end":1598.64,"sentiment":"positive","sentiment_score":0.3386901021003723},{"text":"Does that make any does that make sense?","start":1599.02,"end":1600.7,"sentiment":"neutral","sentiment_score":0.14071974717080593}],"sentiment":"neutral","sentiment_score":-0.022880098782479763,"num_words":28,"start":1590.7051,"end":1600.7},{"sentences":[{"text":"Do you have any additional questions on any of that at all so far?","start":1600.7,"end":1603.66,"sentiment":"neutral","sentiment_score":0.025332278172884668},{"text":"Or that's okay.","start":1603.66,"end":1607.66,"sentiment":"neutral","sentiment_score":0.09478934792180856},{"text":"Beautiful.","start":1607.66,"end":1608.16,"sentiment":"positive","sentiment_score":0.4171687364578247},{"text":"Thank you so much for going through that with me.","start":1608.2999,"end":1610.685,"sentiment":"positive","sentiment_score":0.4902350515127182},{"text":"The next document attached are the the we've got the sorry.","start":1611.165,"end":1615.2451,"sentiment":"neutral","sentiment_score":0.05284340103918856}],"sentiment":"neutral","sentiment_score":0.16768760515902287,"num_words":39,"start":1600.7,"end":1615.2451},{"sentences":[{"text":"The Vanguard index chart there for you.","start":1615.2451,"end":1617.405,"sentiment":"neutral","sentiment_score":0.03761046486241477},{"text":"That's essentially a bit of a a guide showing you how markets react over time.","start":1617.405,"end":1621.7451,"sentiment":"neutral","sentiment_score":0.06832966804504395},{"text":"I believe you have a shared portfolio in your own name as well.","start":1621.885,"end":1625.005,"sentiment":"neutral","sentiment_score":0.06642498219242463},{"text":"Is that right?","start":1625.005,"end":1625.8251,"sentiment":"neutral","sentiment_score":0.07623596489429474},{"text":"Yeah.","start":1628.97,"end":1629.2899,"sentiment":"neutral","sentiment_score":0.036013804376125336}],"sentiment":"neutral","sentiment_score":0.06196063441725878,"num_words":39,"start":1615.2451,"end":1629.2899},{"sentences":[{"text":"Yeah.","start":1629.2899,"end":1629.69,"sentiment":"neutral","sentiment_score":0.034072116017341614},{"text":"Value we had on that was about a 100,000 last year.","start":1629.69,"end":1632.57,"sentiment":"neutral","sentiment_score":0.03305755352432078},{"text":"Has that increased in value recently?","start":1632.57,"end":1634.41,"sentiment":"neutral","sentiment_score":0.03147335288425287},{"text":"Is that a bit higher at the moment?","start":1634.41,"end":1636.03,"sentiment":"neutral","sentiment_score":-0.004197139060124755},{"text":"Yes.","start":1645.725,"end":1646.225,"sentiment":"neutral","sentiment_score":0.019056804478168488}],"sentiment":"neutral","sentiment_score":0.021186111632872512,"num_words":27,"start":1629.2899,"end":1646.225},{"sentences":[{"text":"Yeah.","start":1653.4199,"end":1653.6599,"sentiment":"neutral","sentiment_score":0.19320957362651825},{"text":"I love you.","start":1653.6599,"end":1654.48,"sentiment":"positive","sentiment_score":0.5713124871253967},{"text":"Yep.","start":1660.46,"end":1660.96,"sentiment":"neutral","sentiment_score":0.20574840903282168},{"text":"Yep.","start":1661.8999,"end":1662.3999,"sentiment":"neutral","sentiment_score":0.09998800605535509},{"text":"Yes.","start":1663.4199,"end":1663.9199,"sentiment":"neutral","sentiment_score":0.1149524673819542}],"sentiment":"neutral","sentiment_score":0.3325479882104056,"num_words":7,"start":1653.4199,"end":1663.9199},{"sentences":[{"text":"Yes.","start":1664.14,"end":1664.62,"sentiment":"neutral","sentiment_score":0.09928137063980104},{"text":"It's a bit like that.","start":1664.62,"end":1665.57,"sentiment":"neutral","sentiment_score":0.022142409160733224},{"text":"I understand that.","start":1665.57,"end":1667.595,"sentiment":"neutral","sentiment_score":0.005747253696123759},{"text":"Are you sort of hoping too long term to sort of hold on to those shares and maybe sell them down in retirement for additional cash or maybe just hold on to them and pass them on to your family?","start":1667.6749,"end":1677.115,"sentiment":"neutral","sentiment_score":0.039635973423719405},{"text":"What's your sort of goal with that?","start":1677.115,"end":1678.475,"sentiment":"neutral","sentiment_score":0.03207663553101676}],"sentiment":"neutral","sentiment_score":0.036378760057102354,"num_words":56,"start":1664.14,"end":1678.475},{"sentences":[{"text":"Do you have a goal with those shares?","start":1678.475,"end":1680.1749,"sentiment":"neutral","sentiment_score":0.020643778378143907},{"text":"Yes.","start":1685.4199,"end":1685.9199,"sentiment":"neutral","sentiment_score":0.014175225980579851},{"text":"K.","start":1689.98,"end":1690.48,"sentiment":"neutral","sentiment_score":-0.03164272755384445},{"text":"Yep.","start":1691.1799,"end":1691.6799,"sentiment":"neutral","sentiment_score":-0.02712906524538994},{"text":"Yes.","start":1693.58,"end":1694.08,"sentiment":"neutral","sentiment_score":-0.11749112606048584}],"sentiment":"neutral","sentiment_score":0.00025521117883423966,"num_words":12,"start":1678.475,"end":1694.08},{"sentences":[{"text":"Beautiful.","start":1695.1,"end":1695.6,"sentiment":"neutral","sentiment_score":0.2911103665828705},{"text":"No.","start":1696.9851,"end":1697.145,"sentiment":"neutral","sentiment_score":0.0587734691798687},{"text":"That's okay.","start":1697.145,"end":1697.885,"sentiment":"neutral","sentiment_score":0.1517515778541565},{"text":"That's excellent.","start":1698.185,"end":1698.925,"sentiment":"positive","sentiment_score":0.5747685730457306},{"text":"Well, with this Vanguard chart, I mean, as I said, you've got some shares in your own nature.","start":1699.4651,"end":1702.9851,"sentiment":"neutral","sentiment_score":0.02580925149636136}],"sentiment":"neutral","sentiment_score":0.09447877768737574,"num_words":24,"start":1695.1,"end":1702.9851},{"sentences":[{"text":"You sort of understand how markets go up and down.","start":1702.9851,"end":1705.385,"sentiment":"neutral","sentiment_score":-0.020691415295004845},{"text":"I'm more than happy to talk you through this if you would like to, but I also am sure someone's gone through this in the past with you.","start":1705.385,"end":1711.8401,"sentiment":"neutral","sentiment_score":0.09176693690408554},{"text":"But it just gives you a bit of an idea on how markets react and how markets trend over time and that to get the higher returns to take on a bit more risk, but we understand there's also the the chance of a dip within the market over a period of time as well, and we wanna make sure that we get safer that you are invested in a portfolio where you're not gonna be accessing at the downtime.","start":1711.8401,"end":1731.805,"sentiment":"neutral","sentiment_score":-0.04401915823109448},{"text":"So, essentially, as you get closer to retiring, we'll start to reduce your risk level in the market, drop it down in generally in 10% increments, so it's a gradual step down.","start":1731.9451,"end":1741.91,"sentiment":"neutral","sentiment_score":-0.06706534957629628},{"text":"So by the time you get to accessing super, you've hopefully got a good a good balance within super.","start":1742.05,"end":1747.35,"sentiment":"positive","sentiment_score":0.49156252333992406}],"sentiment":"neutral","sentiment_score":0.0357078353780702,"num_words":169,"start":1702.9851,"end":1747.35},{"sentences":[{"text":"We are expecting a lower rate of return inside those years, but we're in more defensive income producing assets that will help to draw down your income through that time frame.","start":1747.5701,"end":1756.5049,"sentiment":"neutral","sentiment_score":0.2112080266158427},{"text":"Does that make sense?","start":1756.5049,"end":1757.725,"sentiment":"neutral","sentiment_score":0.15382278338074684},{"text":"Yep.","start":1759.945,"end":1760.4249,"sentiment":"positive","sentiment_score":0.34799695014953613},{"text":"Beautiful.","start":1760.4249,"end":1760.9249,"sentiment":"positive","sentiment_score":0.6438095569610596},{"text":"The next document along is the OCE Financial Services Guide.","start":1761.865,"end":1765.3849,"sentiment":"neutral","sentiment_score":0.1831268385052681}],"sentiment":"neutral","sentiment_score":0.21246414576122102,"num_words":47,"start":1747.5701,"end":1765.3849},{"sentences":[{"text":"This is more of a a legal document.","start":1765.3849,"end":1767.38,"sentiment":"neutral","sentiment_score":0.12646306119859219},{"text":"We do provide that to everyone that outlines who we are, what we do, how we do it.","start":1767.38,"end":1771.5599,"sentiment":"neutral","sentiment_score":0.16118971879283586},{"text":"Tommy, myself, all the other advisers, we are, like, noted in here with a lovely glossy photo, a bit of information on us, but also what's important is our licensing information.","start":1772.1799,"end":1781.0599,"sentiment":"neutral","sentiment_score":0.1791777440136479},{"text":"So we are full licensed advisers, or we're all registered through ASIC, and all that information is in here for you should you wanna go to and have a bit of a read of that.","start":1781.0599,"end":1790.645,"sentiment":"neutral","sentiment_score":0.17030460621629442},{"text":"It does also update all about changes in the business and things like that.","start":1790.645,"end":1795.4651,"sentiment":"neutral","sentiment_score":0.0778953664536987}],"sentiment":"neutral","sentiment_score":0.15583797962457505,"num_words":106,"start":1765.3849,"end":1795.4651},{"sentences":[{"text":"Having a look at the next document is the ongoing service agreement for the next twelve months there.","start":1796.2101,"end":1802.4501,"sentiment":"neutral","sentiment_score":0.005180736900203758},{"text":"So, obviously, I wanted to stand up and let you know there have been some things that have gone wrong this year.","start":1802.4501,"end":1807.665,"sentiment":"neutral","sentiment_score":-0.17432633618062193},{"text":"It's, you know, not something I'm very happy about.","start":1808.0651,"end":1810.2251,"sentiment":"negative","sentiment_score":-0.4893525375260247},{"text":"I wanna go back and make sure that the team look after that for you.","start":1810.2251,"end":1813.8451,"sentiment":"neutral","sentiment_score":-0.17910136928160986},{"text":"We do have to you know, if you wanna stay on board the next twelve months, go through and just resign the ongoing service agreement for the next twelve months.","start":1814.2251,"end":1821.605,"sentiment":"neutral","sentiment_score":-0.15174165591597558}],"sentiment":"neutral","sentiment_score":-0.16366882112986864,"num_words":94,"start":1796.2101,"end":1821.605},{"sentences":[{"text":"Our fees are changing a little bit down the track.","start":1822.29,"end":1825.67,"sentiment":"neutral","sentiment_score":-0.12496990710496902},{"text":"It's not affecting you at all this year.","start":1825.89,"end":1828.05,"sentiment":"neutral","sentiment_score":0.0015341338294092574},{"text":"We're still keeping everything the same this year.","start":1828.05,"end":1830.05,"sentiment":"neutral","sentiment_score":0.1537024136632681},{"text":"But next year, all of our fees actually becomes more of a key structure.","start":1830.05,"end":1833.27,"sentiment":"neutral","sentiment_score":0.0728526668889182},{"text":"So when your balance is 200,000, it drops down from the 1.65% tier into the next tier down, which is 1.375.","start":1833.3301,"end":1843.585,"sentiment":"neutral","sentiment_score":0.041903525768291386}],"sentiment":"neutral","sentiment_score":0.031018109614273807,"num_words":61,"start":1822.29,"end":1843.585},{"sentences":[{"text":"Once you balance it over 500,000, it drops down to the next tier.","start":1843.585,"end":1847.49,"sentiment":"neutral","sentiment_score":0.03346071163049111},{"text":"So, essentially, as your balance increases, we drop down into a different tier structure.","start":1847.57,"end":1851.67,"sentiment":"neutral","sentiment_score":0.02082217950373888},{"text":"And every year, as part of your annual review like this document, it outlines the expected fee based on the percentage of 1.65%.","start":1852.21,"end":1859.75,"sentiment":"neutral","sentiment_score":0.06851930175300526},{"text":"What we'll essentially do at any review time is we'll go back and work out the exact dollar figure of the of the ongoing service agreement for that twelve month period.","start":1860.0851,"end":1870.1051,"sentiment":"neutral","sentiment_score":0.09369128606011791},{"text":"We do add 5% growth onto the total, And then we will show you as a dollar figure how much you're gonna pay for the year.","start":1870.165,"end":1877.88,"sentiment":"neutral","sentiment_score":0.12741675227880478}],"sentiment":"neutral","sentiment_score":0.07962344982878905,"num_words":107,"start":1843.585,"end":1877.88},{"sentences":[{"text":"Unlike the previous years where it's 1.65%, but it does fluctuate with the market.","start":1878.42,"end":1883.14,"sentiment":"neutral","sentiment_score":-0.014773509955765414},{"text":"It goes up and down.","start":1883.14,"end":1884.52,"sentiment":"neutral","sentiment_score":-0.062022086977958676},{"text":"It means that when the market goes down, our fee takes a bit of a dip there with it.","start":1884.74,"end":1888.605,"sentiment":"neutral","sentiment_score":-0.08883965172265705},{"text":"However, when the market does see, like, a 10 or 20 or 30% increase, then, obviously, your fee increases there with it as well.","start":1888.605,"end":1896.225,"sentiment":"neutral","sentiment_score":0.1018218294872592},{"text":"That also encompasses contribution.","start":1896.845,"end":1898.545,"sentiment":"neutral","sentiment_score":0.12235314957797527}],"sentiment":"neutral","sentiment_score":0.01103399316674437,"num_words":66,"start":1878.42,"end":1898.545},{"sentences":[{"text":"So if your contributions are going into your super fund and you're seeing know, a lot of growth, that 1.65% has always been based on the total balance.","start":1898.925,"end":1909.09,"sentiment":"neutral","sentiment_score":0.20004252903163433},{"text":"So it is also being paid on top of the contributions going in.","start":1909.47,"end":1912.93,"sentiment":"neutral","sentiment_score":0.1530072929767462},{"text":"What we'll be doing is looking at your total balance, seeing where you sit within the tier structure there, and working out the total fee for the year.","start":1912.99,"end":1920.895,"sentiment":"neutral","sentiment_score":0.1489504578390292},{"text":"It won't be an estimate.","start":1920.895,"end":1922.095,"sentiment":"neutral","sentiment_score":0.03029818572103977},{"text":"It'll be a set dollar figure.","start":1922.095,"end":1923.615,"sentiment":"neutral","sentiment_score":0.0722934864461422}],"sentiment":"neutral","sentiment_score":0.15432687860447913,"num_words":80,"start":1898.925,"end":1923.615},{"sentences":[{"text":"So you know you will not pay any more than that amount for that year.","start":1923.615,"end":1927.135,"sentiment":"neutral","sentiment_score":0.05829617083072662},{"text":"It'll be a lot more clarity for you.","start":1927.135,"end":1929.2949,"sentiment":"neutral","sentiment_score":0.3019160106778145},{"text":"Does that make sense?","start":1929.2949,"end":1930.255,"sentiment":"neutral","sentiment_score":0.13878807798027992},{"text":"And do you have more questions around that at all?","start":1930.255,"end":1932.72,"sentiment":"neutral","sentiment_score":0.033341044746339324},{"text":"Yeah.","start":1935.76,"end":1936.1599,"sentiment":"neutral","sentiment_score":0.13229155540466309}],"sentiment":"neutral","sentiment_score":0.11343749901769977,"num_words":38,"start":1923.615,"end":1936.1599},{"sentences":[{"text":"Beautiful.","start":1936.1599,"end":1936.6599,"sentiment":"positive","sentiment_score":0.4573037922382355},{"text":"It's one of the things that I sort of brought up in the past was that this is always giving you it's 1.65%.","start":1936.7999,"end":1943.0399,"sentiment":"neutral","sentiment_score":0.11377351423320563},{"text":"It's always giving you an estimate on how much the fee is, but that can fluctuate depending on what the market does, whereas this new fee structure will give you a lot more clarity around how that works.","start":1943.0399,"end":1953.015,"sentiment":"neutral","sentiment_score":0.09369458415006336},{"text":"I believe that as one of the emails, the newsletters we sent out a few weeks back and I had a bit of back in there.","start":1953.395,"end":1959.89,"sentiment":"neutral","sentiment_score":0.17017539132099885},{"text":"Do you remember receiving that newsletter?","start":1959.89,"end":1962.21,"sentiment":"neutral","sentiment_score":0.06790975170830886}],"sentiment":"neutral","sentiment_score":0.12198412236064038,"num_words":94,"start":1936.1599,"end":1962.21},{"sentences":[{"text":"Did you have it read through it at all?","start":1962.21,"end":1963.99,"sentiment":"neutral","sentiment_score":0.05269971448514196},{"text":"No.","start":1968.53,"end":1968.77,"sentiment":"neutral","sentiment_score":-0.18112996220588684},{"text":"That's okay.","start":1968.77,"end":1969.67,"sentiment":"neutral","sentiment_score":0.027999198529869318},{"text":"It is in the financial service guide that I've got here for you as well.","start":1970.05,"end":1973.735,"sentiment":"neutral","sentiment_score":0.13113310287396113},{"text":"So before you sign those documents, if you wanted to take some time to have a read through that one, let me know if you do happen to have any questions.","start":1973.735,"end":1979.755,"sentiment":"neutral","sentiment_score":0.06894375383853912}],"sentiment":"neutral","sentiment_score":0.07678308236765964,"num_words":58,"start":1962.21,"end":1979.755},{"sentences":[{"text":"The main reason for changing, obviously, the fee structure is that the cost of everything advice the or just based around what we do.","start":1980.375,"end":1987.1399,"sentiment":"neutral","sentiment_score":-0.06990774208679795},{"text":"A lot of that has changed over the past couple of years, and we've never changed that fee structure.","start":1987.1399,"end":1991.38,"sentiment":"neutral","sentiment_score":-0.06459565401861542},{"text":"It's always been exactly the same.","start":1991.38,"end":1993.1399,"sentiment":"neutral","sentiment_score":0.0276825912296772},{"text":"So we wanted to make it a little bit more client friendly.","start":1993.1399,"end":1997.5599,"sentiment":"neutral","sentiment_score":0.23371795130272707},{"text":"So it does mean that as your super balance increases over time, you drop into the next tier down, which reduces the percentage which you're paying on your fees.","start":1997.94,"end":2006.465,"sentiment":"neutral","sentiment_score":0.20865246396640252}],"sentiment":"neutral","sentiment_score":0.06796143535110685,"num_words":90,"start":1980.375,"end":2006.465},{"sentences":[{"text":"It does also mean that instead of capping our fees at 600,000 moving forward, they're capped at 2,000,000.","start":2006.845,"end":2012.5249,"sentiment":"neutral","sentiment_score":0.1486055681274997},{"text":"So by reducing the overall percentage each fee over the longer term as your balance grows, you'll pay a little bit more for our services, but the percentage you pay that on is decreased as your balance increases.","start":2012.5249,"end":2026.07,"sentiment":"neutral","sentiment_score":0.16871172777916255},{"text":"So it's about making sure that growth is still occurring.","start":2026.13,"end":2029.535,"sentiment":"neutral","sentiment_score":0.2222434788942337},{"text":"And by having a set dollar figure noted out, it's giving you more certainty around what our what the fees are for our services that year so that you're not, you know, estimating what it could be depending on market change is essentially is is designed to give you more clarity around that, but make sure that we're being remunerated for our services because of a lot of what we do behind the scenes.","start":2029.835,"end":2051.39,"sentiment":"neutral","sentiment_score":0.19171190362524343},{"text":"The advice we do provide, all that is included in our ongoing service fee.","start":2051.45,"end":2055.21,"sentiment":"neutral","sentiment_score":0.23206460582358496}],"sentiment":"neutral","sentiment_score":0.18664913000417993,"num_words":154,"start":2006.845,"end":2055.21},{"sentences":[{"text":"We don't charge additional implementation fees for advice around super and insurances and things like that.","start":2055.21,"end":2060.915,"sentiment":"neutral","sentiment_score":0.10963470349088311},{"text":"So it's about making sure that it's all incorporated correctly, and the cost of everything has increased.","start":2060.915,"end":2066.195,"sentiment":"neutral","sentiment_score":0.10582173834828769},{"text":"The cost of living has increased.","start":2066.195,"end":2067.7952,"sentiment":"neutral","sentiment_score":-0.16505014896392822},{"text":"The cost of running a business and providing advice has also increased as well.","start":2067.7952,"end":2072.435,"sentiment":"neutral","sentiment_score":-0.06617003572838646},{"text":"So I just wanted to clarify that for you and make sure you have all that information.","start":2072.435,"end":2076.84,"sentiment":"neutral","sentiment_score":0.2186125354731784}],"sentiment":"neutral","sentiment_score":0.07646937881197248,"num_words":70,"start":2055.21,"end":2076.84},{"sentences":[{"text":"And the ongoing the financial services guide has a nice big breakdown of that for you for you to run your eyes over as well.","start":2077.46,"end":2084.4202,"sentiment":"positive","sentiment_score":0.4822497820854187},{"text":"If you find you have any questions, you're welcome to let me know.","start":2084.4202,"end":2087.275,"sentiment":"positive","sentiment_score":0.37940625502513003},{"text":"Does that make sense?","start":2087.275,"end":2088.075,"sentiment":"neutral","sentiment_score":0.31643426418304443},{"text":"And do you have any additional questions on that at all?","start":2088.075,"end":2090.575,"sentiment":"neutral","sentiment_score":0.1453029750422998},{"text":"No?","start":2094.315,"end":2094.635,"sentiment":"neutral","sentiment_score":-0.1940847933292389}],"sentiment":"positive","sentiment_score":0.36404649733945177,"num_words":54,"start":2077.46,"end":2094.635},{"sentences":[{"text":"That's okay.","start":2094.635,"end":2095.515,"sentiment":"neutral","sentiment_score":-0.03405566327273846},{"text":"Forward?","start":2095.515,"end":2096.015,"sentiment":"neutral","sentiment_score":-0.010459834709763529},{"text":"Beautiful.","start":2096.235,"end":2096.735,"sentiment":"positive","sentiment_score":0.7647542953491211},{"text":"You'll be able to take that back and have a look at the documents prior to signing onboard.","start":2097.195,"end":2101.38,"sentiment":"positive","sentiment_score":0.47306832008891636},{"text":"I'll go back and see if I've seen your management team, get the remuneration side of things in place, and then I'll also get it back and update the advice for you, reassess everything.","start":2101.6,"end":2109.94,"sentiment":"neutral","sentiment_score":0.27484194978195076}],"sentiment":"neutral","sentiment_score":0.33117927121929824,"num_words":56,"start":2094.635,"end":2109.94},{"sentences":[{"text":"As I kinda mentioned, the last document in there is the third party authority for CareSuper.","start":2111.36,"end":2116.865,"sentiment":"neutral","sentiment_score":0.06578466366045177},{"text":"We do need to have a new one signed to be able to do the research around the balance you have, the insurance within there for you, and also how things are invested.","start":2117.5652,"end":2126.145,"sentiment":"neutral","sentiment_score":0.11711288390286041},{"text":"We'll go back and research all of that once that document comes back, and we're able to apply that to the account so that we can kind of update the advice for you and have it all reflective and also get the remuneration sorted for you nice and quickly.","start":2126.79,"end":2141.1301,"sentiment":"neutral","sentiment_score":0.30204253811009074},{"text":"Okay?","start":2141.43,"end":2141.93,"sentiment":"neutral","sentiment_score":0.08476392179727554},{"text":"Is that it's up to you.","start":2148.605,"end":2153.505,"sentiment":"neutral","sentiment_score":0.038321251360078655}],"sentiment":"neutral","sentiment_score":0.1907814817591792,"num_words":105,"start":2111.36,"end":2153.505},{"sentences":[{"text":"You we do ask that you sign it all and send it back to us as soon as possible.","start":2153.645,"end":2158.06,"sentiment":"neutral","sentiment_score":0.05901618968499334},{"text":"However, if you wanna take it back and read it first, I have no qualms with that.","start":2158.12,"end":2163.1,"sentiment":"neutral","sentiment_score":0.036935868070406074},{"text":"I'm more than happy for you to give it a day or a week, whatever you're comfortable with.","start":2163.16,"end":2167.5,"sentiment":"positive","sentiment_score":0.541196862856547},{"text":"Obviously, we do need the ongoing service agreement back by us providing any new advice because we provide it under the guy that you're an ongoing client.","start":2167.8801,"end":2175.9548,"sentiment":"neutral","sentiment_score":0.12752139319976172},{"text":"But at the same time, you can start it now if you're comfortable to.","start":2176.7349,"end":2180.255,"sentiment":"neutral","sentiment_score":0.1810815270457949}],"sentiment":"neutral","sentiment_score":0.18388399881751913,"num_words":95,"start":2153.645,"end":2180.255},{"sentences":[{"text":"If you don't want if you wanna go back and read things first, that's absolutely fine.","start":2180.255,"end":2184.255,"sentiment":"neutral","sentiment_score":0.13931076833978295},{"text":"I have no problems with that.","start":2184.255,"end":2185.8,"sentiment":"positive","sentiment_score":0.3992212116718292},{"text":"I would rather do it at a comfort level that's right for you.","start":2186.04,"end":2189.5,"sentiment":"positive","sentiment_score":0.4181104485805218},{"text":"Yeah.","start":2198.6,"end":2199.1,"sentiment":"neutral","sentiment_score":0.01953345537185669},{"text":"That's correct.","start":2200.665,"end":2201.385,"sentiment":"neutral","sentiment_score":0.050534892827272415}],"sentiment":"neutral","sentiment_score":0.2679036483168602,"num_words":38,"start":2180.255,"end":2201.385},{"sentences":[{"text":"Yeah.","start":2201.385,"end":2201.625,"sentiment":"neutral","sentiment_score":0.00434547383338213},{"text":"So no.","start":2201.625,"end":2202.105,"sentiment":"neutral","sentiment_score":-0.05481056869029999},{"text":"It's a third party authority there which will have applied the funds.","start":2202.105,"end":2205.645,"sentiment":"neutral","sentiment_score":-0.025797927752137184},{"text":"Yeah.","start":2205.7852,"end":2206.2852,"sentiment":"neutral","sentiment_score":0.05583847314119339},{"text":"All good.","start":2207.465,"end":2208.2852,"sentiment":"neutral","sentiment_score":0.21824820339679718}],"sentiment":"neutral","sentiment_score":0.00430467129788465,"num_words":18,"start":2201.385,"end":2208.2852},{"sentences":[{"text":"Beautiful.","start":2210.985,"end":2211.485,"sentiment":"neutral","sentiment_score":0.03725798800587654},{"text":"Did you want me to send you an an email copy of those signed documents to kick us the record for yourselves as well?","start":2212.0251,"end":2217.26,"sentiment":"neutral","sentiment_score":0.056998167652636766},{"text":"I'm happy to do so.","start":2217.26,"end":2218.4,"sentiment":"positive","sentiment_score":0.5051524043083191},{"text":"Yeah.","start":2227.5,"end":2228.0,"sentiment":"neutral","sentiment_score":0.004702808801084757},{"text":"Yeah.","start":2232.955,"end":2233.355,"sentiment":"neutral","sentiment_score":0.1115947961807251}],"sentiment":"neutral","sentiment_score":0.12647730119351763,"num_words":32,"start":2210.985,"end":2233.355},{"sentences":[{"text":"Absolutely.","start":2233.355,"end":2233.855,"sentiment":"neutral","sentiment_score":0.2507549524307251},{"text":"Not a problem at all.","start":2234.395,"end":2235.675,"sentiment":"neutral","sentiment_score":0.31110029816627505},{"text":"Beautiful.","start":2235.675,"end":2236.175,"sentiment":"positive","sentiment_score":0.538597583770752},{"text":"The last thing I thought I wanted to do was just to go through and update a few additional details that I have here for you.","start":2237.035,"end":2242.895,"sentiment":"neutral","sentiment_score":0.10094835208012508},{"text":"Your income that we had noted down last year was about 230,000.","start":2243.72,"end":2247.7998,"sentiment":"neutral","sentiment_score":0.03896129131317139}],"sentiment":"neutral","sentiment_score":0.12082325948609246,"num_words":45,"start":2233.355,"end":2247.7998},{"sentences":[{"text":"Have you been lucky enough to have a pay rise since then?","start":2247.7998,"end":2250.38,"sentiment":"neutral","sentiment_score":0.04401784188424548},{"text":"$2.40.","start":2256.7349,"end":2257.555,"sentiment":"neutral","sentiment_score":0.03660007566213608},{"text":"Beautiful.","start":2257.615,"end":2258.115,"sentiment":"positive","sentiment_score":0.4535598754882813},{"text":"Excellent.","start":2258.4949,"end":2258.9949,"sentiment":"positive","sentiment_score":0.5561817288398743},{"text":"Lovely.","start":2263.055,"end":2263.555,"sentiment":"positive","sentiment_score":0.49227896332740784}],"sentiment":"neutral","sentiment_score":0.12917717162054032,"num_words":16,"start":2247.7998,"end":2263.555},{"sentences":[{"text":"I've got down so expenditure wise, you sort of made mention that life is pretty expensive.","start":2263.9348,"end":2269.0598,"sentiment":"neutral","sentiment_score":-0.08505471143871546},{"text":"You're not really sort of saving anything.","start":2269.0598,"end":2270.8198,"sentiment":"neutral","sentiment_score":-0.22882280392306192},{"text":"Are you managing to put anything away into a savings account on a regular basis that you would quantify at all?","start":2270.8198,"end":2276.76,"sentiment":"neutral","sentiment_score":-0.06984423775048483},{"text":"Yeah.","start":2285.2852,"end":2285.7852,"sentiment":"neutral","sentiment_score":-0.00854375772178173},{"text":"No.","start":2289.8452,"end":2290.0852,"sentiment":"neutral","sentiment_score":-0.06420620530843735}],"sentiment":"neutral","sentiment_score":-0.09787204274502785,"num_words":46,"start":2263.9348,"end":2290.0852},{"sentences":[{"text":"That's okay.","start":2290.0852,"end":2290.8052,"sentiment":"neutral","sentiment_score":0.001638979185372591},{"text":"That's absolutely fine.","start":2290.8052,"end":2291.7651,"sentiment":"neutral","sentiment_score":0.12479870021343231},{"text":"I think last week we had it noted, Daniel, we're managing about $500 on a weekly basis.","start":2291.7651,"end":2296.405,"sentiment":"neutral","sentiment_score":-0.017529317451750532},{"text":"Would it be less of that, do you think?","start":2296.405,"end":2298.2651,"sentiment":"neutral","sentiment_score":-0.05017541390326288},{"text":"Yep.","start":2302.91,"end":2303.31,"sentiment":"neutral","sentiment_score":0.12155096232891084}],"sentiment":"neutral","sentiment_score":-0.007823503139661625,"num_words":32,"start":2290.0852,"end":2303.31},{"sentences":[{"text":"Beautiful.","start":2303.31,"end":2303.81,"sentiment":"positive","sentiment_score":0.3743583559989929},{"text":"Excellent.","start":2304.03,"end":2304.53,"sentiment":"positive","sentiment_score":0.4051262140274048},{"text":"I've also got down here the other additional goals.","start":2305.47,"end":2308.35,"sentiment":"neutral","sentiment_score":0.2009532137049569},{"text":"You were looking to build that cash buffer for emergencies under 10,000.","start":2308.35,"end":2313.01,"sentiment":"neutral","sentiment_score":0.1447917390614748},{"text":"You've got that 15,000 sitting in the savings there as well.","start":2313.4448,"end":2316.7249,"sentiment":"neutral","sentiment_score":0.15037528560920196}],"sentiment":"neutral","sentiment_score":0.17587330893558614,"num_words":34,"start":2303.31,"end":2316.7249},{"sentences":[{"text":"Are you still looking to build on that as a bit of an emergency fund, or is that kind of that goal fully met?","start":2316.7249,"end":2323.065,"sentiment":"neutral","sentiment_score":0.08945447547982137},{"text":"Yep.","start":2332.88,"end":2333.38,"sentiment":"neutral","sentiment_score":0.009191587567329408},{"text":"Yep.","start":2333.68,"end":2334.18,"sentiment":"neutral","sentiment_score":0.0011428873986005783},{"text":"No.","start":2334.56,"end":2334.72,"sentiment":"neutral","sentiment_score":-0.07983852922916412},{"text":"That's okay.","start":2334.72,"end":2335.28,"sentiment":"neutral","sentiment_score":-0.040569745004177094}],"sentiment":"neutral","sentiment_score":0.0688366850773836,"num_words":29,"start":2316.7249,"end":2335.28},{"sentences":[{"text":"I did the braces thing with my kids.","start":2335.28,"end":2336.96,"sentiment":"neutral","sentiment_score":-0.08705572038888931},{"text":"That's expensive.","start":2336.96,"end":2337.7,"sentiment":"neutral","sentiment_score":-0.16630205884575844},{"text":"All good.","start":2341.04,"end":2342.525,"sentiment":"neutral","sentiment_score":0.18006952293217182},{"text":"And then the any other things I've sort of got here, we're looking to, you know, pay off your mortgage as much as possible, directing most of your cash flow towards your mortgage goal.","start":2342.825,"end":2352.045,"sentiment":"neutral","sentiment_score":0.13891528985079596},{"text":"Is that that still feels fairly relevant moving forward trying to pay that down?","start":2352.585,"end":2356.2,"sentiment":"neutral","sentiment_score":0.17800094187259674}],"sentiment":"neutral","sentiment_score":0.10910370343675216,"num_words":60,"start":2335.28,"end":2356.2},{"sentences":[{"text":"Are you hoping to try and have that mortgage completely gone by retirement, or do you feel like because the time is sort of about twelve years away, there's a possibility that you'll still have that mortgage in those years and maybe wanna draw on to cover the difference?","start":2356.2,"end":2369.8,"sentiment":"neutral","sentiment_score":0.0311941387778034},{"text":"Or how do you feel about the mortgage and moving forward with that goal?","start":2369.8,"end":2373.315,"sentiment":"neutral","sentiment_score":0.10728848672338895},{"text":"Mhmm.","start":2384.1748,"end":2384.6748,"sentiment":"neutral","sentiment_score":0.1219346970319748},{"text":"Yeah.","start":2384.8948,"end":2385.36,"sentiment":"neutral","sentiment_score":0.16410568356513977},{"text":"Yes.","start":2393.28,"end":2393.76,"sentiment":"neutral","sentiment_score":0.3226017951965332}],"sentiment":"neutral","sentiment_score":0.05513929984899181,"num_words":66,"start":2356.2,"end":2393.76},{"sentences":[{"text":"Yep.","start":2393.76,"end":2394.24,"sentiment":"positive","sentiment_score":0.41868066787719727},{"text":"Beautiful.","start":2394.24,"end":2394.74,"sentiment":"positive","sentiment_score":0.7839038372039795},{"text":"I'll add that down as a future goal that we'll sort of keep track of.","start":2395.04,"end":2398.1602,"sentiment":"positive","sentiment_score":0.6451929628849029},{"text":"Fantastic.","start":2398.1602,"end":2398.6602,"sentiment":"positive","sentiment_score":0.7655064463615417},{"text":"Excellent.","start":2399.945,"end":2400.445,"sentiment":"positive","sentiment_score":0.7493065595626831}],"sentiment":"positive","sentiment_score":0.6523837870673129,"num_words":19,"start":2393.76,"end":2400.445},{"sentences":[{"text":"Other than that, do you have any other goals that you're looking to achieve over the course of the next twelve months or even next five years at all?","start":2400.745,"end":2407.405,"sentiment":"neutral","sentiment_score":0.2808734903047825},{"text":"Mhmm.","start":2419.23,"end":2419.73,"sentiment":"neutral","sentiment_score":0.04096701741218567},{"text":"Yep.","start":2421.39,"end":2421.89,"sentiment":"neutral","sentiment_score":0.0687466487288475},{"text":"Absolutely.","start":2428.205,"end":2428.705,"sentiment":"neutral","sentiment_score":0.1560460329055786},{"text":"Yeah.","start":2429.165,"end":2429.645,"sentiment":"neutral","sentiment_score":0.11240917444229126}],"sentiment":"neutral","sentiment_score":0.25828788158568466,"num_words":33,"start":2400.745,"end":2429.645},{"sentences":[{"text":"No.","start":2429.645,"end":2429.885,"sentiment":"neutral","sentiment_score":0.133746400475502},{"text":"Not a problem at all.","start":2429.885,"end":2430.845,"sentiment":"neutral","sentiment_score":0.13365233987569808},{"text":"And, look, I would like to maybe do a few more catch up with you.","start":2430.845,"end":2433.645,"sentiment":"neutral","sentiment_score":0.09099407196044922},{"text":"I think a lot of this you have that review with Tommy last year, if I could go through.","start":2433.645,"end":2438.365,"sentiment":"neutral","sentiment_score":0.09379971556757626},{"text":"But I do kinda feel like doing a catch up with you a little bit more often, maybe once every six months might mean that we can kind of flag things a little bit quicker with you as well.","start":2438.365,"end":2448.2,"sentiment":"neutral","sentiment_score":0.1104194183762257}],"sentiment":"neutral","sentiment_score":0.10449963407237318,"num_words":79,"start":2429.645,"end":2448.2},{"sentences":[{"text":"If I see something dropping in the portfolio, we can always come back and readjust it.","start":2448.2,"end":2452.725,"sentiment":"neutral","sentiment_score":0.04255968303186819},{"text":"We don't have to wait for an annual review, and it can then we can flag things a little bit quicker when markets aren't working as well.","start":2453.205,"end":2459.225,"sentiment":"neutral","sentiment_score":-0.003510844031417811},{"text":"Would you be comfortable if I set a catch up for you once every six months to sort of touch base on those sorts of things?","start":2459.605,"end":2465.465,"sentiment":"neutral","sentiment_score":0.054752069597060866},{"text":"Yep.","start":2468.94,"end":2469.42,"sentiment":"neutral","sentiment_score":0.30488771200180054},{"text":"Beautiful.","start":2469.42,"end":2469.92,"sentiment":"positive","sentiment_score":0.6677034497261047}],"sentiment":"neutral","sentiment_score":0.04200432550581828,"num_words":71,"start":2448.2,"end":2469.92},{"sentences":[{"text":"Fantastic.","start":2470.14,"end":2470.64,"sentiment":"positive","sentiment_score":0.6617724895477295},{"text":"I'm trying to sort of having a look at the process and how things have gone for the last few years.","start":2471.66,"end":2476.14,"sentiment":"neutral","sentiment_score":0.2577936826717286},{"text":"I've kinda set up a book now where I've been able to take on a bunch of clients.","start":2476.14,"end":2480.46,"sentiment":"neutral","sentiment_score":0.20057126134634018},{"text":"You're one of those.","start":2480.46,"end":2481.26,"sentiment":"neutral","sentiment_score":0.13135917857289314},{"text":"And if you decide I'm not your adviser, that's obviously okay.","start":2481.26,"end":2484.16,"sentiment":"neutral","sentiment_score":0.10981314934112808}],"sentiment":"neutral","sentiment_score":0.20762007067149335,"num_words":55,"start":2470.14,"end":2484.16},{"sentences":[{"text":"But I wanna sort of take it back to basics a little bit more and sort of have those catch up more regularly so we can fly where markets are up and down, talk you through what's happening, and and understand what's going on in in the portfolio.","start":2484.4448,"end":2495.505,"sentiment":"neutral","sentiment_score":0.13873812463134527},{"text":"So when we have a negative year, we understand why we understand what's happening happening and reflective of the market as a whole.","start":2495.645,"end":2501.78,"sentiment":"neutral","sentiment_score":-0.06958386042843694},{"text":"But where, say, your portfolio hasn't been updated correctly or if it's just as an underperforming investment, that we can look to flag that and update advice a bit more appropriately for you.","start":2502.0,"end":2511.4402,"sentiment":"neutral","sentiment_score":-0.009628975114813356},{"text":"Does that sound okay?","start":2511.4402,"end":2512.5,"sentiment":"neutral","sentiment_score":0.028252404183149338},{"text":"Yep.","start":2515.745,"end":2516.225,"sentiment":"neutral","sentiment_score":0.12786856293678284}],"sentiment":"neutral","sentiment_score":0.045707552232395074,"num_words":109,"start":2484.4448,"end":2516.225},{"sentences":[{"text":"Beautiful.","start":2516.225,"end":2516.725,"sentiment":"positive","sentiment_score":0.5044106245040894},{"text":"Fantastic.","start":2516.945,"end":2517.445,"sentiment":"positive","sentiment_score":0.556549608707428},{"text":"The only other asset I had on here was your vehicle.","start":2519.0251,"end":2521.685,"sentiment":"neutral","sentiment_score":0.09496719220822508},{"text":"Last time we caught up your asset the value, sorry, was about 15,000.","start":2522.145,"end":2527.925,"sentiment":"neutral","sentiment_score":0.023797203715030964},{"text":"What would you value your vehicle at now, do you think?","start":2528.65,"end":2531.15,"sentiment":"neutral","sentiment_score":0.029551971534436398}],"sentiment":"neutral","sentiment_score":0.07405499142368098,"num_words":37,"start":2516.225,"end":2531.15},{"sentences":[{"text":"Yep.","start":2542.89,"end":2543.39,"sentiment":"neutral","sentiment_score":0.054035842418670654},{"text":"Okay.","start":2548.845,"end":2549.345,"sentiment":"neutral","sentiment_score":0.14165836572647095},{"text":"Beautiful.","start":2549.405,"end":2549.905,"sentiment":"positive","sentiment_score":0.3894914388656616},{"text":"Is so at least it's true, like, cellular packaging?","start":2550.125,"end":2552.9448,"sentiment":"neutral","sentiment_score":0.1179178042544259},{"text":"Yep.","start":2557.05,"end":2557.55,"sentiment":"neutral","sentiment_score":0.1234198659658432}],"sentiment":"neutral","sentiment_score":0.13614351932819074,"num_words":13,"start":2542.89,"end":2557.55},{"sentences":[{"text":"Beautiful.","start":2557.61,"end":2558.11,"sentiment":"positive","sentiment_score":0.5015760660171509},{"text":"Excellent.","start":2560.49,"end":2560.99,"sentiment":"positive","sentiment_score":0.5871303081512451},{"text":"Fantastic.","start":2561.1301,"end":2561.6301,"sentiment":"positive","sentiment_score":0.5657936334609985},{"text":"And the last thing to do is just to go through a really quick risk profile questionnaire just to kinda gauge whether you are investing correctly.","start":2562.33,"end":2568.35,"sentiment":"neutral","sentiment_score":0.10250098029008278},{"text":"Realistically, with your time horizon.","start":2568.49,"end":2570.855,"sentiment":"neutral","sentiment_score":0.08856258913874626}],"sentiment":"neutral","sentiment_score":0.1400687776725082,"num_words":34,"start":2557.61,"end":2570.855},{"sentences":[{"text":"You still do fit within the portfolio that you're in, but I just had a couple of questions to kinda gauge whether there's any changes to that.","start":2571.315,"end":2579.015,"sentiment":"neutral","sentiment_score":0.06602191311065797},{"text":"So the first one here is when you think about markets and you think about taking risk in the market, do you consider yourself comfortable taking a higher level of risk to get greater potential returns knowing that the downside is reflective of that so it's magnified?","start":2580.115,"end":2594.9302,"sentiment":"neutral","sentiment_score":-0.03480771330601357},{"text":"Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can or not taking any risk in the market knowing the returns are reflective of that?","start":2596.11,"end":2605.5051,"sentiment":"neutral","sentiment_score":-0.06043185575732163},{"text":"Where would you see yourself fitting?","start":2605.5051,"end":2607.365,"sentiment":"neutral","sentiment_score":-0.04253101907670498},{"text":"Mhmm.","start":2616.72,"end":2617.1199,"sentiment":"neutral","sentiment_score":0.02982392907142639}],"sentiment":"neutral","sentiment_score":-0.01891248283008563,"num_words":116,"start":2571.315,"end":2617.1199},{"sentences":[{"text":"Yep.","start":2617.1199,"end":2617.52,"sentiment":"neutral","sentiment_score":0.11844536662101746},{"text":"Perfect.","start":2617.52,"end":2618.02,"sentiment":"positive","sentiment_score":0.46092063188552856},{"text":"That's okay.","start":2619.68,"end":2620.5,"sentiment":"positive","sentiment_score":0.3449709266424179},{"text":"The next one here is how would you feel?","start":2620.7998,"end":2622.48,"sentiment":"neutral","sentiment_score":0.06778378122382694},{"text":"Listen, Marcus took a 20% dip over the next one to three years due to what was happening generally within the world.","start":2622.48,"end":2628.375,"sentiment":"neutral","sentiment_score":-0.009067352099174803}],"sentiment":"neutral","sentiment_score":0.047996575332113676,"num_words":35,"start":2617.1199,"end":2628.375},{"sentences":[{"text":"Do you think you'd take it as an opportunity to invest a nice big lump sum, invest into the dip?","start":2628.695,"end":2633.995,"sentiment":"neutral","sentiment_score":0.07993525648489594},{"text":"Are you considering holding and waiting, calling us, and seeing what we suggest to do, or are you likely to maybe cement the loss and sell to cash?","start":2634.135,"end":2642.155,"sentiment":"neutral","sentiment_score":-0.10886013534452234},{"text":"Yep.","start":2647.47,"end":2647.8699,"sentiment":"neutral","sentiment_score":0.1627400368452072},{"text":"Beautiful.","start":2647.8699,"end":2648.27,"sentiment":"positive","sentiment_score":0.4858644902706146},{"text":"That's a good answer.","start":2648.27,"end":2648.99,"sentiment":"positive","sentiment_score":0.4564179629087448}],"sentiment":"neutral","sentiment_score":0.01897958738522397,"num_words":54,"start":2628.695,"end":2648.99},{"sentences":[{"text":"Nothing to lie.","start":2648.99,"end":2649.97,"sentiment":"neutral","sentiment_score":0.14947892228762308},{"text":"The next one here is have you seen your super full in value in the past?","start":2651.63,"end":2658.0452,"sentiment":"neutral","sentiment_score":0.13075439305976033},{"text":"If you have, how do these drips make you feel?","start":2658.0452,"end":2660.705,"sentiment":"neutral","sentiment_score":0.09826295226812362},{"text":"Are you feeling optimistic about the investment opportunities?","start":2660.845,"end":2663.745,"sentiment":"neutral","sentiment_score":0.11288363300263882},{"text":"Are you a bit cautious, concerned, or feeling slightly anxious?","start":2663.965,"end":2666.82,"sentiment":"neutral","sentiment_score":-0.10601138882339001}],"sentiment":"neutral","sentiment_score":0.07161897349547833,"num_words":47,"start":2648.99,"end":2666.82},{"sentences":[{"text":"Optimistic.","start":2670.82,"end":2671.32,"sentiment":"neutral","sentiment_score":0.2812163829803467},{"text":"Beautiful.","start":2671.62,"end":2672.12,"sentiment":"positive","sentiment_score":0.5463862419128418},{"text":"Thank you for that.","start":2673.62,"end":2674.84,"sentiment":"positive","sentiment_score":0.6207179129123688},{"text":"And the last one here that we've had in the past is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for state property?","start":2675.62,"end":2685.705,"sentiment":"neutral","sentiment_score":0.019214015226902033},{"text":"Mhmm.","start":2694.085,"end":2694.585,"sentiment":"neutral","sentiment_score":-0.046737298369407654}],"sentiment":"neutral","sentiment_score":0.08440649171825498,"num_words":48,"start":2670.82,"end":2694.585},{"sentences":[{"text":"Yep.","start":2698.47,"end":2698.97,"sentiment":"neutral","sentiment_score":-0.03386827930808067},{"text":"No.","start":2701.83,"end":2702.33,"sentiment":"neutral","sentiment_score":-0.16761353611946106},{"text":"No.","start":2702.6301,"end":2702.87,"sentiment":"neutral","sentiment_score":-0.14900946617126465},{"text":"That's okay.","start":2702.87,"end":2703.69,"sentiment":"neutral","sentiment_score":0.0034496961161494255},{"text":"Beautiful.","start":2704.47,"end":2704.97,"sentiment":"positive","sentiment_score":0.432175874710083}],"sentiment":"neutral","sentiment_score":0.014763997557262579,"num_words":6,"start":2698.47,"end":2704.97},{"sentences":[{"text":"So you've scored it as a growth investor.","start":2705.19,"end":2707.29,"sentiment":"neutral","sentiment_score":0.30784932244569063},{"text":"So we do have you in that growth kind of environment, which generally sees about 80% of your super invested in those growth assets.","start":2707.35,"end":2714.395,"sentiment":"neutral","sentiment_score":0.12477672069023053},{"text":"So thinking like Australian shares, international shares, listed property, and commodities like gold and silver, and then still keeping about a 20% defensive component of things like cash, bonds, and fixed interest.","start":2714.395,"end":2726.175,"sentiment":"neutral","sentiment_score":0.09619756962638348},{"text":"When we look at the risk profile and sort of what achievable conservative rate of return the growth portfolio should be able to receive on a yearly basis, you're looking at around about seven to 9% in mid levy or wanna see a much greater return than that, but that's sort of focusing on on a conservative rate of return that could be compounded or to sort of provide growth.","start":2726.78,"end":2748.355,"sentiment":"neutral","sentiment_score":0.08558262384363584},{"text":"Anything under 7% like what we have sort of seen this year is generally an underperformance of the fund or the market is due to the market concerns.","start":2749.455,"end":2758.3098,"sentiment":"neutral","sentiment_score":-0.25645593979528974}],"sentiment":"neutral","sentiment_score":0.04534429295655386,"num_words":162,"start":2705.19,"end":2758.3098},{"sentences":[{"text":"Anything over that 9% we consider to be fair.","start":2758.3699,"end":2760.77,"sentiment":"neutral","sentiment_score":-0.09912874797979991},{"text":"It has to be considered over performance.","start":2760.77,"end":2762.47,"sentiment":"neutral","sentiment_score":-0.02828343558524336},{"text":"Volatility wise, we do or we expect the volatility in this range to be plus or minus about 11%.","start":2763.41,"end":2770.6748,"sentiment":"neutral","sentiment_score":-0.057065456125297044},{"text":"So, realistically, in a good year, you could receive an additional 11% on top of that nine.","start":2770.6748,"end":2775.9548,"sentiment":"neutral","sentiment_score":-0.02089505927527652},{"text":"In a bad year, it can drop by 11% under the seven there.","start":2775.9548,"end":2779.555,"sentiment":"neutral","sentiment_score":-0.22391326266985673}],"sentiment":"neutral","sentiment_score":-0.08369961337974438,"num_words":65,"start":2758.3699,"end":2779.555},{"sentences":[{"text":"So it is an expectation with the volatility.","start":2779.555,"end":2781.9749,"sentiment":"neutral","sentiment_score":-0.13883057422935963},{"text":"We understand how that works.","start":2782.1948,"end":2783.815,"sentiment":"neutral","sentiment_score":-0.12013391703367234},{"text":"And the likelihood of a negative return in this sort of environment is around about one in every five years.","start":2784.11,"end":2789.41,"sentiment":"neutral","sentiment_score":-0.2296312727034092},{"text":"So it's not crazy.","start":2789.55,"end":2790.77,"sentiment":"neutral","sentiment_score":-0.09214164316654205},{"text":"You're kind of when you think about the risk set scale, one being all in cash, five being all in shares and are very aggressive, you're sitting at about a three there.","start":2790.91,"end":2800.115,"sentiment":"neutral","sentiment_score":-0.0036344510735943913}],"sentiment":"neutral","sentiment_score":-0.09838853101583495,"num_words":69,"start":2779.555,"end":2800.115},{"sentences":[{"text":"It's kind of mid range.","start":2800.115,"end":2801.4949,"sentiment":"neutral","sentiment_score":0.019840731960721315},{"text":"It does normally suit someone as your time horizon.","start":2802.115,"end":2804.615,"sentiment":"neutral","sentiment_score":0.04249384696595371},{"text":"Generally, when you're about six years away from accessing Super, we'd be talking about reducing the risk level further.","start":2805.155,"end":2810.755,"sentiment":"neutral","sentiment_score":-0.048220446137221235},{"text":"But for right now, this suits your time horizon and your capacity to sort of withstand market ups and downs.","start":2810.755,"end":2817.52,"sentiment":"neutral","sentiment_score":0.023804364167153834},{"text":"But do you feel comfortable in this environment, in this sort of portfolio still?","start":2817.52,"end":2822.02,"sentiment":"neutral","sentiment_score":-0.009438124884452139}],"sentiment":"neutral","sentiment_score":-0.0013520396887950266,"num_words":67,"start":2800.115,"end":2822.02},{"sentences":[{"text":"Yep.","start":2825.52,"end":2825.92,"sentiment":"neutral","sentiment_score":0.12360414117574692},{"text":"Beautiful.","start":2825.92,"end":2826.42,"sentiment":"positive","sentiment_score":0.4801346957683563},{"text":"Excellent.","start":2826.48,"end":2826.98,"sentiment":"positive","sentiment_score":0.45159026980400085},{"text":"I know I have touched on a lot today, and I'm really sorry about the things that I had to kinda go through with you.","start":2827.455,"end":2832.8152,"sentiment":"neutral","sentiment_score":-0.19234201222658157},{"text":"But I'm glad that we touched on the things that are really important to you.","start":2832.8152,"end":2835.855,"sentiment":"positive","sentiment_score":0.6715301195780436}],"sentiment":"neutral","sentiment_score":0.14697047894777254,"num_words":43,"start":2825.52,"end":2835.855},{"sentences":[{"text":"I will go back and investigate the AIA policy and let you know what's going on with that one.","start":2835.855,"end":2841.81,"sentiment":"neutral","sentiment_score":0.25663712150172185},{"text":"I will also get the remediation started ASAP for you and also do that research in the meantime to get the advice updated to reflecting for you as well.","start":2842.51,"end":2852.6099,"sentiment":"neutral","sentiment_score":0.22793074902789345},{"text":"Is there anything else that you might need me to work on while you've got me or anything else, information wise, you think I haven't touched on that might be of importance?","start":2852.955,"end":2860.3352,"sentiment":"neutral","sentiment_score":0.10201454523485154},{"text":"Absolutely.","start":2867.16,"end":2867.64,"sentiment":"positive","sentiment_score":0.5087916851043701},{"text":"They will be at the top of my priority list, so I'll make sure they are started ASAP so that we can at least get everything updated.","start":2867.64,"end":2874.14,"sentiment":"positive","sentiment_score":0.40880493764524106}],"sentiment":"neutral","sentiment_score":0.24349155073502549,"num_words":108,"start":2835.855,"end":2874.14},{"sentences":[{"text":"I will be updating the advice also in the meantime, so there's a chance I mean, I will be pushing the admin the senior team to get the remuneration done as quickly as possible, but I aim to have this advice case updated for you very fast as well because I don't want you in bed along any longer than you need to be.","start":2874.5999,"end":2890.975,"sentiment":"neutral","sentiment_score":0.1695509239216335},{"text":"Okay?","start":2890.975,"end":2891.475,"sentiment":"neutral","sentiment_score":0.0809611827135086},{"text":"Beautiful.","start":2894.99,"end":2895.49,"sentiment":"positive","sentiment_score":0.6871412396430969},{"text":"Thank you so much for your time, Adam.","start":2895.8699,"end":2897.71,"sentiment":"positive","sentiment_score":0.8166135847568512},{"text":"I really appreciate it.","start":2897.71,"end":2898.99,"sentiment":"positive","sentiment_score":0.8532855808734894}],"sentiment":"neutral","sentiment_score":0.27647964813961434,"num_words":78,"start":2874.5999,"end":2898.99},{"sentences":[{"text":"I hope you have a really good day, and I appreciate you taking my call this morning.","start":2898.99,"end":2902.93,"sentiment":"positive","sentiment_score":0.8275446365861332},{"text":"Not a worry.","start":2907.139,"end":2907.699,"sentiment":"positive","sentiment_score":0.46859923005104065},{"text":"You have a good day and a good weekend.","start":2907.699,"end":2909.559,"sentiment":"positive","sentiment_score":0.7198598119947646},{"text":"Great.","start":2912.899,"end":2913.299,"sentiment":"positive","sentiment_score":0.6978296041488647},{"text":"See you later.","start":2913.299,"end":2913.939,"sentiment":"positive","sentiment_score":0.5949392716089884}],"sentiment":"positive","sentiment_score":0.7404679466377605,"num_words":33,"start":2898.99,"end":2913.939},{"sentences":[{"text":"Bye.","start":2913.939,"end":2914.439,"sentiment":"neutral","sentiment_score":-0.08145257830619812}],"sentiment":"neutral","sentiment_score":-0.08145257830619812,"num_words":1,"start":2913.939,"end":2914.439}]}}]},{"alternatives":[{"transcript":"Hello? Hi. Yeah. I can hear you now. That's okay. Yeah. No. It's perfect. Yeah. Sure. Yeah. It's Adam Novak. Twenty ninth of the eighth 1978. And the do you need my address as well? Yes. 76 Lewis Street, Maryville. I am. Yeah. Yeah. Yeah. Not too bad. Not too bad. I think we're on the same time zone, are we? Yeah. Cool. Yeah. I've got it. I've just got the one document annual review. Do I need to click sign document? Is that what I need to do? Okay. Yep. Mhmm. Yep. So obviously, there's the the insurance with Care Super, then I noticed there's also AIA. Do you know when that was added? Because I don't think I can get life insurance. Yeah. Because I I I've got some under I've got some underlying health conditions, so I that's why we kept the Yep. The lock because I actually yeah. I just get rejected every time. Sorry. I couldn't hear that. I did. Yeah. And I've got a heart condition as well. No. I didn't. Yes. Yep. Yep. Yeah. It is. Yeah. Yes. Alright. Yeah. I think my wife would probably pay off the mortgage, and who knows. Right? Yeah. She works full time. Let me have a look. Yeah. It's 843 thousand. No. I don't have an offset with my mortgage, so I've just yeah. No. I just pay off what I need to, and then I've got just money staying in the savings account. I think there's about 15,000. Yeah. So I think with it look. With the with the the life insurance, look. I'm I'm aware of my situation. That's why I think I'm happy to keep care. So it'd be going. But, yeah, I do need to understand what this why the AIA policy is sitting there. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Yes. Yep. Yep. Yep. Yeah. I just think, you know, the the kids' school expense and things that I think, you know, what, in a couple of years' time, are we definitely pumping up the super? Yeah. You know, kids braces. There's just there's just there's just there's just at the moment, which yeah. Yeah. Yeah. Yeah. Yeah. Looks it's just it'd be amazing. Yeah. Yeah. I do. Yeah. Yeah. Right. Yeah. No. Yes. That's down 20%. Is that right? Do you know why I didn't do you know why I didn't do you know why I didn't go through? Yeah. Look. Thank you. I appreciate that because, yeah, that's thank you for that response because yeah. Because I thought I mean, that's why that's why I use I that's why I use you guys. Right? And if you don't act act on the advice we agreed to and then yeah. Since yeah. Okay. Thank you. Yes. Yeah. Yeah. Okay. Yep. Yeah. Yep. I think we do both. Yeah. Yeah. Yeah. No. I would love a job interview. Yeah. And Yeah. My gut feel is I mean, with property, with with, you know, big AI wave, you know, it we're we're gonna see a lot of job cuts, which may well, you know, of of white collar workers who won't be able to afford their mortgage. I my gut feeling is that we we've probably seen the peak property prices. I just think that I just think that can drop. So I don't know. I mean, it's it's not you never you can't really speculate on these things, but yeah. Yeah. Yeah. Yeah, ma'am. Yep. That sounds great. What what's more important is is the highest return. So so I don't know. What what's your advice? Yeah. Yeah. Yeah. Yeah. That would be great. Thank you. No. I think I think if I look at look. If I look at the portfolio now, obviously, the, you know, the property and Benland Benland is really underperforming. Property is underperforming. I mean, it's like the the combined ETF units are low. I mean, the the S and P 500 is not too bad. I I mean, things are performing okay. Just those two outliers, really. Yeah. Yep. And what was the return the what was the return last year? Yeah. Okay. So it's much higher. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. No. No more questions. Thanks. I do. Yeah. I think it's I think it's about 80,000, because I've been I've been spending shares. So it's just one share type. And it's not one like, every time I sell shares, it it's not really worth it because I was gifted from an employee. So and they'll get gifted, like, $2. Now they're worth, like, $8. So it's every time I sell them, I get a hit at tax price. Yeah. No. It's it's it's more there for rainy days. Just because, you know, I get about about, I think, 3 to 4,000 in dividends each year. So I was kinda like, you know what I mean? It's just so, yeah, they're just sitting there. I don't have any plans for them. Yeah. Yeah. It does. Yeah. Yeah. No. That makes sense. I I didn't rate it. No. No. I don't know. Okay. So should I sign this document now knowing that you'll be looking at remediation and the new advice? Okay. So there was so the next one is it was the authorization to collect information. Is that the one you're referring to around CareSuper? Okay. Okay. I've signed both documents. Yeah. Look. No. Look. That's fine. If you can just if you can just, like, come back to me when you can, I guess, with regards to the remediation and what the new the new plan is? Yeah. I think it's $2.40 now. Not much. I mean, look, I've got a payment account for about, you know, $15. There's obviously yes. But yeah. Yeah. It'd be about the same. Yeah. No. Yeah. It's not it's it's kind of fluid. As long as it kind of fits there, you know, things pop up, need braces. Alright. I've got some cash. But yeah. So it's kind of sitting where it needs to. Yeah. Look. I still think, potentially, it's achievable. You see, you know, just get through the next few years with my kids, and then I'll I'll have I'll have more disposable income to then pump into the mortgage and also then also look to increase my super contribution as well. Well, I think over the next twelve months is is I'd, you know, I'd love to get it pulled forward back to, you know, what it was last year in terms of, you know, that 13% growth, where it was anyone's, like, 4.8 this year. So I think I'm keen to keen to see a better better year knowing that, you know, years do fluctuate. But yeah. Yeah. I would I would love that. That'd be awesome. It does. Yes. Oh, that car yes. Probably nothing. So I've I've given that car to my to my to my son. So I'm now I'm now leasing a car. Yeah. Yeah. Yeah. Probably somewhere between high and moderate. I know that doesn't help, so I'd probably say moderate. I'd probably look to you guys for advice. Optimist. No. I haven't thought about borrowing for shares. And I've yeah. I've only ever borrowed for property, which I don't which I wouldn't I wouldn't be investing in property right now. Yeah. I do. Yeah. Yep. No. Those three things with my actions as well. So yeah. Thank you. Okay. You too, and thanks again. Alright. K. You too. Ciao. 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Hi. Yeah. I can hear you now. That's okay.\n\nYeah. No. It's perfect. Yeah. Sure.\n\nYeah. It's Adam Novak. Twenty ninth of the eighth 1978. And the do you need my address as well? Yes.\n\n76 Lewis Street, Maryville. I am. Yeah. Yeah. Yeah.\n\nNot too bad. Not too bad. I think we're on the same time zone, are we? Yeah. Cool.\n\nYeah. I've got it. I've just got the one document annual review. Do I need to click sign document? Is that what I need to do?\n\nOkay. Yep. Mhmm. Yep. So obviously, there's the the insurance with Care Super, then I noticed there's also AIA.\n\nDo you know when that was added? Because I don't think I can get life insurance. Yeah. Because I I I've got some under I've got some underlying health conditions, so I that's why we kept the Yep. The lock because I actually yeah.\n\nI just get rejected every time. Sorry. I couldn't hear that. I did. Yeah.\n\nAnd I've got a heart condition as well. No. I didn't. Yes. Yep.\n\nYep. Yeah. It is. Yeah. Yes.\n\nAlright. Yeah. I think my wife would probably pay off the mortgage, and who knows. Right? Yeah.\n\nShe works full time. Let me have a look. Yeah. It's 843 thousand. No.\n\nI don't have an offset with my mortgage, so I've just yeah. No. I just pay off what I need to, and then I've got just money staying in the savings account. I think there's about 15,000. Yeah.\n\nSo I think with it look. With the with the the life insurance, look. I'm I'm aware of my situation. That's why I think I'm happy to keep care. So it'd be going.\n\nBut, yeah, I do need to understand what this why the AIA policy is sitting there. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Yeah. Yes. Yep. Yep.\n\nYep. Yeah. I just think, you know, the the kids' school expense and things that I think, you know, what, in a couple of years' time, are we definitely pumping up the super? Yeah. You know, kids braces.\n\nThere's just there's just there's just there's just at the moment, which yeah. Yeah. Yeah. Yeah. Yeah.\n\nLooks it's just it'd be amazing. Yeah. Yeah. I do. Yeah.\n\nYeah. Right. Yeah. No. Yes.\n\nThat's down 20%. Is that right? Do you know why I didn't do you know why I didn't do you know why I didn't go through? Yeah. Look.\n\nThank you. I appreciate that because, yeah, that's thank you for that response because yeah. Because I thought I mean, that's why that's why I use I that's why I use you guys. Right? And if you don't act act on the advice we agreed to and then yeah.\n\nSince yeah. Okay. Thank you. Yes. Yeah.\n\nYeah. Okay. Yep. Yeah. Yep.\n\nI think we do both. Yeah. Yeah. Yeah. No.\n\nI would love a job interview. Yeah. And Yeah. My gut feel is I mean, with property, with with, you know, big AI wave, you know, it we're we're gonna see a lot of job cuts, which may well, you know, of of white collar workers who won't be able to afford their mortgage. I my gut feeling is that we we've probably seen the peak property prices.\n\nI just think that I just think that can drop. So I don't know. I mean, it's it's not you never you can't really speculate on these things, but yeah. Yeah. Yeah.\n\nYeah, ma'am. Yep. That sounds great. What what's more important is is the highest return. So so I don't know.\n\nWhat what's your advice? Yeah. Yeah. Yeah. Yeah.\n\nThat would be great. Thank you. No. I think I think if I look at look. If I look at the portfolio now, obviously, the, you know, the property and Benland Benland is really underperforming.\n\nProperty is underperforming. I mean, it's like the the combined ETF units are low. I mean, the the S and P 500 is not too bad. I I mean, things are performing okay. Just those two outliers, really.\n\nYeah. Yep. And what was the return the what was the return last year? Yeah. Okay.\n\nSo it's much higher. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nNo more questions. Thanks. I do. Yeah. I think it's I think it's about 80,000, because I've been I've been spending shares.\n\nSo it's just one share type. And it's not one like, every time I sell shares, it it's not really worth it because I was gifted from an employee. So and they'll get gifted, like, $2. Now they're worth, like, $8. So it's every time I sell them, I get a hit at tax price.\n\nYeah. No. It's it's it's more there for rainy days. Just because, you know, I get about about, I think, 3 to 4,000 in dividends each year. So I was kinda like, you know what I mean?\n\nIt's just so, yeah, they're just sitting there. I don't have any plans for them. Yeah. Yeah. It does.\n\nYeah. Yeah. No. That makes sense. I I didn't rate it.\n\nNo. No. I don't know. Okay. So should I sign this document now knowing that you'll be looking at remediation and the new advice?\n\nOkay. So there was so the next one is it was the authorization to collect information. Is that the one you're referring to around CareSuper? Okay. Okay.\n\nI've signed both documents. Yeah. Look. No. Look.\n\nThat's fine. If you can just if you can just, like, come back to me when you can, I guess, with regards to the remediation and what the new the new plan is? Yeah. I think it's $2.40 now. Not much.\n\nI mean, look, I've got a payment account for about, you know, $15. There's obviously yes. But yeah. Yeah. It'd be about the same.\n\nYeah. No. Yeah. It's not it's it's kind of fluid. As long as it kind of fits there, you know, things pop up, need braces.\n\nAlright. I've got some cash. But yeah. So it's kind of sitting where it needs to. Yeah.\n\nLook. I still think, potentially, it's achievable. You see, you know, just get through the next few years with my kids, and then I'll I'll have I'll have more disposable income to then pump into the mortgage and also then also look to increase my super contribution as well. Well, I think over the next twelve months is is I'd, you know, I'd love to get it pulled forward back to, you know, what it was last year in terms of, you know, that 13% growth, where it was anyone's, like, 4.8 this year. So I think I'm keen to keen to see a better better year knowing that, you know, years do fluctuate.\n\nBut yeah. Yeah. I would I would love that. That'd be awesome. It does.\n\nYes. Oh, that car yes. Probably nothing. So I've I've given that car to my to my to my son. So I'm now I'm now leasing a car.\n\nYeah. Yeah. Yeah. Probably somewhere between high and moderate. I know that doesn't help, so I'd probably say moderate.\n\nI'd probably look to you guys for advice. Optimist. No. I haven't thought about borrowing for shares. And I've yeah.\n\nI've only ever borrowed for property, which I don't which I wouldn't I wouldn't be investing in property right now. Yeah. I do. Yeah. Yep.\n\nNo. Those three things with my actions as well. So yeah. Thank you. Okay.\n\nYou too, and thanks again. Alright. K. You too. Ciao.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.024166584014892575},{"text":"Hi.","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.06765463948249817},{"text":"Yeah.","start":6.16,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.04614638537168503},{"text":"I can hear you now.","start":6.3199997,"end":7.54,"sentiment":"neutral","sentiment_score":0.040283537656068805},{"text":"That's okay.","start":12.16,"end":12.98,"sentiment":"neutral","sentiment_score":-0.008608505129814148}],"sentiment":"neutral","sentiment_score":0.03221682868897915,"num_words":10,"start":0.96,"end":12.98},{"sentences":[{"text":"Yeah.","start":19.265,"end":19.505001,"sentiment":"neutral","sentiment_score":0.07297378033399582},{"text":"No.","start":19.505001,"end":19.825,"sentiment":"neutral","sentiment_score":0.10258247703313828},{"text":"It's 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knows.","start":471.845,"end":476.245,"sentiment":"neutral","sentiment_score":-0.07933521786561379},{"text":"Right?","start":476.245,"end":476.745,"sentiment":"neutral","sentiment_score":-0.02263651415705681},{"text":"Yeah.","start":490.83002,"end":491.15002,"sentiment":"neutral","sentiment_score":0.014932098798453808}],"sentiment":"neutral","sentiment_score":-0.05515818352646688,"num_words":17,"start":470.885,"end":491.15002},{"sentences":[{"text":"She works full time.","start":491.15002,"end":492.37,"sentiment":"neutral","sentiment_score":0.032874359749257565},{"text":"Let me have a look.","start":505.965,"end":507.26498,"sentiment":"neutral","sentiment_score":0.009722965769469738},{"text":"Yeah.","start":518.7,"end":518.94,"sentiment":"neutral","sentiment_score":0.05982413142919541},{"text":"It's 843 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just think, you know, the the kids' school expense and things that I think, you know, what, in a couple of years' time, are we definitely pumping up the super?","start":665.075,"end":672.615,"sentiment":"neutral","sentiment_score":-0.02244172641827214},{"text":"Yeah.","start":675.99,"end":676.23,"sentiment":"neutral","sentiment_score":-0.0005415696650743484},{"text":"You know, kids braces.","start":676.23,"end":677.29,"sentiment":"neutral","sentiment_score":-0.022883163997903466}],"sentiment":"neutral","sentiment_score":-0.021960260983752578,"num_words":38,"start":648.17505,"end":677.29},{"sentences":[{"text":"There's just there's just there's just there's just at the moment, which 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down 20%.","start":799.98505,"end":801.445,"sentiment":"neutral","sentiment_score":-0.021127442518870037},{"text":"Is that right?","start":802.145,"end":802.965,"sentiment":"neutral","sentiment_score":-0.014146725957592329},{"text":"Do you know why I didn't do you know why I didn't do you know why I didn't go through?","start":825.165,"end":831.345,"sentiment":"neutral","sentiment_score":-0.09451204389333726},{"text":"Yeah.","start":882.17004,"end":882.49005,"sentiment":"neutral","sentiment_score":0.02747702039778233},{"text":"Look.","start":882.49005,"end":882.73004,"sentiment":"neutral","sentiment_score":0.0820230022072792}],"sentiment":"neutral","sentiment_score":-0.06737726288182395,"num_words":28,"start":799.98505,"end":882.73004},{"sentences":[{"text":"Thank you.","start":882.73004,"end":883.05005,"sentiment":"neutral","sentiment_score":0.320709690451622},{"text":"I appreciate that because, yeah, that's thank you for that response because 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think we do both.","start":1142.255,"end":1143.5549,"sentiment":"neutral","sentiment_score":0.06217233538627624},{"text":"Yeah.","start":1146.8949,"end":1147.375,"sentiment":"neutral","sentiment_score":0.2488432228565216},{"text":"Yeah.","start":1147.375,"end":1147.875,"sentiment":"neutral","sentiment_score":0.22167396545410156},{"text":"Yeah.","start":1151.2101,"end":1151.4501,"sentiment":"neutral","sentiment_score":0.07474064826965332},{"text":"No.","start":1151.4501,"end":1151.6901,"sentiment":"neutral","sentiment_score":0.0001928284764289856}],"sentiment":"neutral","sentiment_score":0.09514581577645408,"num_words":9,"start":1142.255,"end":1151.6901},{"sentences":[{"text":"I would love a job interview.","start":1151.6901,"end":1152.91,"sentiment":"neutral","sentiment_score":0.03094436228275299},{"text":"Yeah.","start":1153.85,"end":1154.35,"sentiment":"neutral","sentiment_score":0.07115218788385391},{"text":"And 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you.","start":1402.3301,"end":1403.0701,"sentiment":"positive","sentiment_score":0.580011248588562},{"text":"No.","start":1420.98,"end":1421.3,"sentiment":"neutral","sentiment_score":-0.3114718794822693},{"text":"I think I think if I look at look.","start":1421.3,"end":1422.8201,"sentiment":"neutral","sentiment_score":-0.2694193290339576},{"text":"If I look at the portfolio now, obviously, the, you know, the property and Benland Benland is really underperforming.","start":1422.8201,"end":1427.8,"sentiment":"negative","sentiment_score":-0.38680537672419296}],"sentiment":"neutral","sentiment_score":-0.18198193183967046,"num_words":35,"start":1401.37,"end":1427.8},{"sentences":[{"text":"Property is underperforming.","start":1428.42,"end":1429.54,"sentiment":"negative","sentiment_score":-0.5239834785461426},{"text":"I mean, it's like the the combined ETF units are low.","start":1429.54,"end":1434.8251,"sentiment":"neutral","sentiment_score":-0.07162652520293539},{"text":"I mean, the the S and P 500 is not too bad.","start":1434.8251,"end":1437.305,"sentiment":"neutral","sentiment_score":0.0509813983614246},{"text":"I I mean, things are performing okay.","start":1437.305,"end":1440.665,"sentiment":"neutral","sentiment_score":0.07963922140853745},{"text":"Just those two outliers, really.","start":1440.665,"end":1442.4451,"sentiment":"neutral","sentiment_score":-0.1951207250356674}],"sentiment":"neutral","sentiment_score":-0.05700511862768939,"num_words":38,"start":1428.42,"end":1442.4451},{"sentences":[{"text":"Yeah.","start":1471.055,"end":1471.555,"sentiment":"neutral","sentiment_score":-0.034927479922771454},{"text":"Yep.","start":1471.615,"end":1472.115,"sentiment":"neutral","sentiment_score":-0.07592722028493881},{"text":"And what was the return the what was the return last 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more questions.","start":1604.865,"end":1605.745,"sentiment":"neutral","sentiment_score":-0.07455579439798991},{"text":"Thanks.","start":1605.745,"end":1606.245,"sentiment":"neutral","sentiment_score":0.06734074652194977},{"text":"I do.","start":1626.745,"end":1627.305,"sentiment":"neutral","sentiment_score":0.06951787695288658},{"text":"Yeah.","start":1627.305,"end":1627.805,"sentiment":"neutral","sentiment_score":0.03784743696451187},{"text":"I think it's I think it's about 80,000, because I've been I've been spending shares.","start":1637.7051,"end":1642.88,"sentiment":"neutral","sentiment_score":0.014958193075532715}],"sentiment":"neutral","sentiment_score":0.0111331568332389,"num_words":22,"start":1604.865,"end":1642.88},{"sentences":[{"text":"So it's just one share type.","start":1642.88,"end":1644.4199,"sentiment":"neutral","sentiment_score":0.02270307547102372},{"text":"And it's not one like, every time I sell shares, it it's not really worth it because I was gifted from an 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them.","start":1694.0,"end":1695.54,"sentiment":"neutral","sentiment_score":-0.23631529297147477},{"text":"Yeah.","start":1696.3201,"end":1696.8201,"sentiment":"neutral","sentiment_score":0.0800756961107254},{"text":"Yeah.","start":1735.815,"end":1736.315,"sentiment":"neutral","sentiment_score":-0.021450098603963852},{"text":"It does.","start":1758.0,"end":1758.5599,"sentiment":"neutral","sentiment_score":0.24144838005304337}],"sentiment":"neutral","sentiment_score":-0.10590722745186404,"num_words":19,"start":1691.4401,"end":1758.5599},{"sentences":[{"text":"Yeah.","start":1758.5599,"end":1759.0599,"sentiment":"neutral","sentiment_score":0.23515835404396057},{"text":"Yeah.","start":1852.235,"end":1852.735,"sentiment":"neutral","sentiment_score":0.0540846586227417},{"text":"No.","start":1933.47,"end":1933.7899,"sentiment":"neutral","sentiment_score":-0.06351623684167862},{"text":"That makes sense.","start":1933.7899,"end":1948.0499,"sentiment":"neutral","sentiment_score":0.010428441067536673},{"text":"I I didn't rate it.","start":1964.75,"end":1966.03,"sentiment":"neutral","sentiment_score":-0.3007934868335724}],"sentiment":"neutral","sentiment_score":-0.11335957592183893,"num_words":11,"start":1758.5599,"end":1966.03},{"sentences":[{"text":"No.","start":1966.03,"end":1966.53,"sentiment":"neutral","sentiment_score":-0.23096437752246857},{"text":"No.","start":1966.75,"end":1967.25,"sentiment":"neutral","sentiment_score":-0.2042231261730194},{"text":"I don't know.","start":2091.095,"end":2092.155,"sentiment":"neutral","sentiment_score":-0.11828410377105077},{"text":"Okay.","start":2142.64,"end":2143.1199,"sentiment":"neutral","sentiment_score":0.06705744564533234},{"text":"So should I sign this document now knowing that you'll be looking at remediation and the new advice?","start":2143.1199,"end":2150.025,"sentiment":"neutral","sentiment_score":0.03876414646704992}],"sentiment":"neutral","sentiment_score":-0.001051155539850394,"num_words":24,"start":1966.03,"end":2150.025},{"sentences":[{"text":"Okay.","start":2190.52,"end":2191.02,"sentiment":"neutral","sentiment_score":0.08114313334226608},{"text":"So there was so the next one is it was the authorization to collect information.","start":2191.4,"end":2196.1401,"sentiment":"neutral","sentiment_score":0.023716967614988486},{"text":"Is that the one you're referring to around CareSuper?","start":2196.2,"end":2198.46,"sentiment":"neutral","sentiment_score":0.009007535428584864},{"text":"Okay.","start":2199.9548,"end":2200.4548,"sentiment":"neutral","sentiment_score":0.030053330585360527},{"text":"Okay.","start":2207.075,"end":2207.395,"sentiment":"neutral","sentiment_score":0.08007767796516418}],"sentiment":"neutral","sentiment_score":0.023262832406477106,"num_words":27,"start":2190.52,"end":2207.395},{"sentences":[{"text":"I've signed both documents.","start":2207.395,"end":2208.615,"sentiment":"neutral","sentiment_score":0.2086067795753479},{"text":"Yeah.","start":2220.6401,"end":2220.8801,"sentiment":"neutral","sentiment_score":0.13218852877616882},{"text":"Look.","start":2220.8801,"end":2221.36,"sentiment":"neutral","sentiment_score":0.0789775624871254},{"text":"No.","start":2221.36,"end":2221.6,"sentiment":"neutral","sentiment_score":0.03564220666885376},{"text":"Look.","start":2221.6,"end":2221.76,"sentiment":"neutral","sentiment_score":0.07491143047809601}],"sentiment":"neutral","sentiment_score":0.14451835583895445,"num_words":8,"start":2207.395,"end":2221.76},{"sentences":[{"text":"That's fine.","start":2221.76,"end":2222.24,"sentiment":"neutral","sentiment_score":0.17159006744623184},{"text":"If you can just if you can just, like, come back to me when you can, I guess, with regards to the remediation and what the new the new plan is?","start":2222.24,"end":2230.9648,"sentiment":"neutral","sentiment_score":0.04102833403815185},{"text":"Yeah.","start":2252.71,"end":2252.9502,"sentiment":"neutral","sentiment_score":0.0098774041980505},{"text":"I think it's $2.40 now.","start":2252.9502,"end":2254.755,"sentiment":"neutral","sentiment_score":0.016687484830617903},{"text":"Not much.","start":2279.6702,"end":2280.1501,"sentiment":"neutral","sentiment_score":-0.11064964532852173}],"sentiment":"neutral","sentiment_score":0.03627009823827482,"num_words":41,"start":2221.76,"end":2280.1501},{"sentences":[{"text":"I mean, look, I've got a payment account for about, you know, $15.","start":2280.1501,"end":2283.53,"sentiment":"neutral","sentiment_score":-0.06367088997593293},{"text":"There's obviously yes.","start":2283.645,"end":2287.085,"sentiment":"neutral","sentiment_score":-0.012188902745644251},{"text":"But yeah.","start":2287.085,"end":2288.075,"sentiment":"neutral","sentiment_score":-0.019585993140935898},{"text":"Yeah.","start":2299.4001,"end":2299.56,"sentiment":"neutral","sentiment_score":0.012054314836859705},{"text":"It'd be about the same.","start":2299.56,"end":2300.86,"sentiment":"neutral","sentiment_score":0.007858309336006642}],"sentiment":"neutral","sentiment_score":-0.035504766778709985,"num_words":24,"start":2280.1501,"end":2300.86},{"sentences":[{"text":"Yeah.","start":2323.8699,"end":2324.1099,"sentiment":"neutral","sentiment_score":-0.0273007582873106},{"text":"No.","start":2324.1099,"end":2324.19,"sentiment":"neutral","sentiment_score":-0.0964035615324974},{"text":"Yeah.","start":2324.19,"end":2324.43,"sentiment":"neutral","sentiment_score":-0.0932714343070984},{"text":"It's not it's it's kind of fluid.","start":2324.43,"end":2325.63,"sentiment":"neutral","sentiment_score":-0.13163433223962784},{"text":"As long as it kind of fits there, you know, things pop up, need braces.","start":2325.63,"end":2328.83,"sentiment":"neutral","sentiment_score":-0.10898381173610687}],"sentiment":"neutral","sentiment_score":-0.11092693023383618,"num_words":25,"start":2323.8699,"end":2328.83},{"sentences":[{"text":"Alright.","start":2328.83,"end":2329.07,"sentiment":"neutral","sentiment_score":-0.01996384747326374},{"text":"I've got some cash.","start":2329.07,"end":2330.03,"sentiment":"neutral","sentiment_score":-0.032568277791142464},{"text":"But yeah.","start":2330.03,"end":2330.43,"sentiment":"neutral","sentiment_score":-0.05281943455338478},{"text":"So it's kind of sitting where it needs to.","start":2330.43,"end":2332.77,"sentiment":"neutral","sentiment_score":-0.058912513984574214},{"text":"Yeah.","start":2374.775,"end":2375.095,"sentiment":"neutral","sentiment_score":0.20084261894226071}],"sentiment":"neutral","sentiment_score":-0.034426225568441784,"num_words":17,"start":2328.83,"end":2375.095},{"sentences":[{"text":"Look.","start":2375.095,"end":2375.255,"sentiment":"neutral","sentiment_score":0.25433868169784546},{"text":"I still think, potentially, it's achievable.","start":2375.255,"end":2377.035,"sentiment":"positive","sentiment_score":0.39667418599128723},{"text":"You see, you know, just get through the next few years with my kids, and then I'll I'll have I'll have more disposable income to then pump into the mortgage and also then also look to increase my super contribution as well.","start":2378.535,"end":2391.8801,"sentiment":"neutral","sentiment_score":0.2621641316938968},{"text":"Well, I think over the next twelve months is is I'd, you know, I'd love to get it pulled forward back to, you know, what it was last year in terms of, you know, that 13% growth, where it was anyone's, like, 4.8 this year.","start":2408.2449,"end":2419.02,"sentiment":"neutral","sentiment_score":0.1435596348510848},{"text":"So I think I'm keen to keen to see a better better year knowing that, you know, years do fluctuate.","start":2419.02,"end":2426.0,"sentiment":"neutral","sentiment_score":0.03189139356836677}],"sentiment":"neutral","sentiment_score":0.18195867340750338,"num_words":114,"start":2375.095,"end":2426.0},{"sentences":[{"text":"But yeah.","start":2426.1401,"end":2426.8801,"sentiment":"neutral","sentiment_score":0.05948370136320591},{"text":"Yeah.","start":2463.615,"end":2464.015,"sentiment":"neutral","sentiment_score":0.03428419679403305},{"text":"I would I would love that.","start":2464.015,"end":2466.4949,"sentiment":"neutral","sentiment_score":0.27020733958731097},{"text":"That'd be awesome.","start":2466.4949,"end":2467.315,"sentiment":"positive","sentiment_score":0.6698097785313925},{"text":"It does.","start":2513.015,"end":2513.655,"sentiment":"neutral","sentiment_score":0.07244208455085754}],"sentiment":"neutral","sentiment_score":0.2806292244100145,"num_words":14,"start":2426.1401,"end":2513.655},{"sentences":[{"text":"Yes.","start":2513.655,"end":2514.155,"sentiment":"neutral","sentiment_score":0.09537377953529358},{"text":"Oh, that car yes.","start":2533.65,"end":2534.8699,"sentiment":"neutral","sentiment_score":0.02148128766566515},{"text":"Probably nothing.","start":2535.17,"end":2536.07,"sentiment":"neutral","sentiment_score":-0.027397901751101017},{"text":"So I've I've given that car to my to my to my son.","start":2537.17,"end":2540.7349,"sentiment":"neutral","sentiment_score":0.06298770383000374},{"text":"So I'm now I'm now leasing a car.","start":2543.835,"end":2546.895,"sentiment":"neutral","sentiment_score":0.07398294075392187}],"sentiment":"neutral","sentiment_score":0.05490024294704199,"num_words":28,"start":2513.655,"end":2546.895},{"sentences":[{"text":"Yeah.","start":2554.075,"end":2554.555,"sentiment":"neutral","sentiment_score":0.05956312641501427},{"text":"Yeah.","start":2554.555,"end":2554.9548,"sentiment":"neutral","sentiment_score":0.06399115920066833},{"text":"Yeah.","start":2554.9548,"end":2555.25,"sentiment":"neutral","sentiment_score":0.07713833451271057},{"text":"Probably somewhere between high and moderate.","start":2609.77,"end":2612.17,"sentiment":"neutral","sentiment_score":-0.1221810815234979},{"text":"I know that doesn't help, so I'd probably say moderate.","start":2612.17,"end":2614.51,"sentiment":"neutral","sentiment_score":-0.14929984509944916}],"sentiment":"neutral","sentiment_score":-0.10659959578984662,"num_words":19,"start":2554.075,"end":2614.51},{"sentences":[{"text":"I'd probably look to you guys for advice.","start":2643.47,"end":2645.41,"sentiment":"neutral","sentiment_score":-0.0578761687502265},{"text":"Optimist.","start":2667.97,"end":2668.47,"sentiment":"neutral","sentiment_score":0.10867027193307877},{"text":"No.","start":2689.565,"end":2689.805,"sentiment":"neutral","sentiment_score":-0.1921093463897705},{"text":"I haven't thought about borrowing for shares.","start":2689.805,"end":2691.7449,"sentiment":"neutral","sentiment_score":-0.15932076743670873},{"text":"And I've yeah.","start":2694.15,"end":2694.79,"sentiment":"neutral","sentiment_score":-0.046746486177047096}],"sentiment":"neutral","sentiment_score":-0.0900966627523303,"num_words":20,"start":2643.47,"end":2694.79},{"sentences":[{"text":"I've only ever borrowed for property, which I don't which I wouldn't I wouldn't be investing in property right now.","start":2694.79,"end":2700.65,"sentiment":"neutral","sentiment_score":-0.07846477143466472},{"text":"Yeah.","start":2761.125,"end":2761.625,"sentiment":"neutral","sentiment_score":-0.020192328840494156},{"text":"I do.","start":2822.655,"end":2823.135,"sentiment":"neutral","sentiment_score":0.10378910228610039},{"text":"Yeah.","start":2823.135,"end":2823.635,"sentiment":"neutral","sentiment_score":0.08714058995246887},{"text":"Yep.","start":2842.39,"end":2842.89,"sentiment":"neutral","sentiment_score":0.16363294422626495}],"sentiment":"neutral","sentiment_score":-0.04524544075131416,"num_words":25,"start":2694.79,"end":2842.89},{"sentences":[{"text":"No.","start":2861.0452,"end":2861.3652,"sentiment":"neutral","sentiment_score":-0.1317245364189148},{"text":"Those three things with my actions as well.","start":2861.3652,"end":2864.0999,"sentiment":"neutral","sentiment_score":-0.10585800092667341},{"text":"So yeah.","start":2864.0999,"end":2864.5,"sentiment":"neutral","sentiment_score":0.16882359981536865},{"text":"Thank you.","start":2864.5,"end":2865.24,"sentiment":"positive","sentiment_score":0.5352604985237122},{"text":"Okay.","start":2889.1702,"end":2889.6702,"sentiment":"neutral","sentiment_score":-0.01496749185025692}],"sentiment":"neutral","sentiment_score":0.029615154356828762,"num_words":14,"start":2861.0452,"end":2889.6702},{"sentences":[{"text":"You too, and thanks again.","start":2903.57,"end":2904.825,"sentiment":"positive","sentiment_score":0.635096299648285},{"text":"Alright.","start":2907.385,"end":2907.885,"sentiment":"positive","sentiment_score":0.5584049820899963},{"text":"K.","start":2910.025,"end":2910.345,"sentiment":"neutral","sentiment_score":0.21605922281742096},{"text":"You too.","start":2910.345,"end":2910.9849,"sentiment":"positive","sentiment_score":0.4088611304759979},{"text":"Ciao.","start":2910.9849,"end":2911.4849,"sentiment":"positive","sentiment_score":0.4590418040752411}],"sentiment":"positive","sentiment_score":0.5226709768176079,"num_words":10,"start":2903.57,"end":2911.4849},{"sentences":[{"text":"Bye.","start":2912.345,"end":2912.845,"sentiment":"positive","sentiment_score":0.35687896609306335}],"sentiment":"positive","sentiment_score":0.35687896609306335,"num_words":1,"start":2912.345,"end":2912.845}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Adam. It's\n\nChannel 1: Hi.\n\nChannel 0: Dana from Oakley Financial. Can you hear me okay?\n\nChannel 1: Yeah. I can hear you now.\n\nChannel 0: Oh, fantastic. Sorry about that. I'm not sure what happened with the line.\n\nChannel 1: That's okay.\n\nChannel 0: Oh, good. I had to book in to go to your annual review this morning. Is now still a good time there for you?\n\nChannel 1: Yeah. No. It's perfect.\n\nChannel 0: Yep. Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address on file.\n\nChannel 1: Yeah. It's Adam Novak.\n\nChannel 0: Yep.\n\nChannel 1: Twenty ninth of the eighth\n\nChannel 0: Yep.\n\nChannel 1: 1978. And the\n\nChannel 0: Yep.\n\nChannel 1: do you need my address as well? Yes. 76 Lewis Street, Maryville.\n\nChannel 0: Beautiful. Thank you so much for that. Adam, as part of your annual review, we do normally send through some documents for you to view with us. Are you able to access your email so at the moment? If you can't, that's okay.\n\nChannel 1: I am. Yeah.\n\nChannel 0: Yeah. Beautiful. I'll send those through to you now if you're able to jump into your email there. It does it comes from OdooSign and or it could just come from Zaynah at Odoo Financial as well. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. How's your morning been so far? No. It's still early.\n\nChannel 1: Yeah. Not too bad. Not too bad. I think we're on the same time zone, are we?\n\nChannel 0: Oh, we are. Yeah. Yeah. Yep. I actually I can live in New South Wales, so we're on the same time zone for a bit longer.\n\nBut I work in Queensland, so I see it in Southport on the Gold Coast. But I live over the border in New South Wales. So I probably jump every summer.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: There we go. Beautiful. Now it says that it has sent through to you there. Has that come through there at all?\n\nChannel 1: Yeah. I've got it.\n\nChannel 0: Beautiful. Excellent. So when you jump into those documents there, the first one you should see is the summary of superannuation and insurances there. Can you see that one?\n\nChannel 1: I've just got the one document annual review. Do I need to click sign document? Is that what I\n\nChannel 0: Click\n\nChannel 1: need to\n\nChannel 0: that\n\nChannel 1: do?\n\nChannel 0: one there. Yep. And it'll take you so you can review each of the individual documents and move through them.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. So with the first document there, the summary of the branduation and insurance, it's just giving you an update of your balance. So as of today's date, we're sitting at $0.5.24 $469,355.68 there. When I look back at your annual view last year, your balance was about $398,008.71. So there has been a bit of an increase, albeit the market has been a bit volatile this year.\n\nSo the increases have been generally a bit lower than what we kind of expect. But I did do a bit of a review of everything prior, so I'll take you through all of that in a moment. Underneath that, you've got your care super. So we obviously kept care super in place to retain the insurances that were held within the fund there, and you've also got the top up cover on top of it.\n\nChannel 1: Mhmm.\n\nChannel 0: With your care, Super, the reset is from a bit longer ago from last year because we haven't been able to get a new third party authority applied to the account. As part of the annual review doc today, we do have a third party authority form attached. So if you can sign and return that back with the other documents there, we can have that applied so we can update the the additional balance there. Because and then part of the advice that Tommy provided last year was that there was to be a rollover, so there's probably it's gonna be a different balance of what you can see there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Now yes.\n\nChannel 1: So obviously, there's the the insurance with Care Super, then I noticed there's also AIA.\n\nChannel 0: Yeah. It looks like you've got the the care suit for the life and the CBD policy there, but then we've also got an AIA policy noted here as well. So it gives you some additional life, total permanent disability cover, and looks like income protection there as well.\n\nChannel 1: Do you know when that was added? Because I don't think I can get life insurance.\n\nChannel 0: I'm kind of looking at that at the moment. So let me just go in here for you. I'm having a look back at your last advice to see if anything was kind of noted there. Because the last documents I had for annual review only noted the care supervisor. There was no additional AIA policy on top of that.\n\nAnd when Tommy\n\nChannel 1: Yeah. Because\n\nChannel 0: provided\n\nChannel 1: I\n\nChannel 0: this this\n\nChannel 1: I\n\nChannel 0: Sorry.\n\nChannel 1: I've got\n\nChannel 0: You're\n\nChannel 1: some\n\nChannel 0: right,\n\nChannel 1: under\n\nChannel 0: sir.\n\nChannel 1: I've got some underlying health conditions, so I that's why we kept the\n\nChannel 0: Yeah.\n\nChannel 1: Yep. The lock because I actually yeah. I just get rejected every time.\n\nChannel 0: Yeah. Interesting, isn't it? I've got I can see that you had a stroke as well in the last couple of years. Is that right?\n\nChannel 1: Sorry. I couldn't\n\nChannel 0: No. That's okay. You've\n\nChannel 1: hear\n\nChannel 0: had a stroke in the past.\n\nChannel 1: that.\n\nChannel 0: Is that right?\n\nChannel 1: I did. Yeah. And I've got a heart condition as well.\n\nChannel 0: Yeah. Yeah. Wow. Yeah. That's not got a security currency here at all.\n\nLet me check if you see if there's any because it says that those are being paid out of POG 24. Let me see if there's any insurance premiums coming out. Because, yeah, I haven't looked at, like, the super and everything. I've just been looking at this stuff and we're going it says it's a lot of AIA insurances here as well. You don't remember ever applying for or going through, like, the underwriting process to apply for any additional coverage that was accepted?\n\nChannel 1: No. I didn't.\n\nChannel 0: No. Interesting. Paid until there's definitely nothing coming out of here. Nothing coming out of there. There's Mississippi of the time being noted there.\n\nLeave that one with me. I'll go so I can get to verify because I don't think that is accurate either. I just there's nothing coming out of your hub twenty four account. I'm not sure where they pulled\n\nChannel 1: Yes.\n\nChannel 0: those figures for, but there is definitely I'm just logged in to AIA, and there's definitely nothing to the end of your name that I can see at the moment. So ignore that one for the moment. I do apologize about that. That's not accurate or good. I don't like\n\nChannel 1: Yep.\n\nChannel 0: that at all. So I will go back and get them to re clarify. If there is anything that we've been able to find that just hasn't kind of been brought up in the past, I'll let you know. If that's definitely not accurate, then I'll let you know there. But let's kinda focus on the care super insurances for the moment there.\n\nSo looking at your life and CPD, I know that you're well aware that you're not really able to gain new color at the moment due to the heart condition and your previous health history.\n\nChannel 1: Yep.\n\nChannel 0: But in the event of passing so if you focus on what you've got at the moment, the life and TPD, or is this the life to start with, If you were to say pass away based on the current benefit, you've got 200 and one thousand two hundred and fifty, but then your sister is also released on top of that. So we've got some care as well as you have 24 benefits. It realistically\n\nChannel 1: Yeah.\n\nChannel 0: gives you a little over 600 of thousand dollars there, 600 and nearly 70,000, essentially. Are you sort of happy with that? What would you want that to cover? Because having a look, your mortgage is a little bit higher than that. Is that right?\n\nChannel 1: It is. Yeah.\n\nChannel 0: Yeah. So then it would pay off most of the mortgage or could sort of be paid out, you know, to look after your family. You've got three kids. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And where do you sort of want that benefit to be paid paid to? What would you want them to be able to do with that benefit?\n\nChannel 1: Alright. Yeah. I think my wife would probably pay off the mortgage, and who knows. Right?\n\nChannel 0: Yeah. Yeah. It's always up to them. We always say, this is what we want you to do with the funds, but it always sort of comes down to what they would wanna do. If in the event you were to say pass away, does your wife work?\n\nIs she working currently?\n\nChannel 1: Yeah. She works full time.\n\nChannel 0: Yeah. Okay. Perfect. So realistically, she could, you know, draw the funds down. It's based on your mortgage, last time we checked your mortgage, we're just sitting at 890,000.\n\nHas that kind of reduced a bit since you last caught up with us?\n\nChannel 1: Let me have a look.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Yeah. It's 843\n\nChannel 0: Okay. Beautiful. Definitely. It's in there. Are you sort of paying more on top\n\nChannel 1: thousand.\n\nChannel 0: of that at the on top of the mortgage at the moment to try and reduce it as quickly as possible?\n\nChannel 1: No. I don't have an offset with my mortgage, so I've just\n\nChannel 0: Yep.\n\nChannel 1: yeah. No. I just pay off what I need to, and then I've got just money staying in the savings account.\n\nChannel 0: Okay. Beautiful. And in savings, how much do you have sitting in there at the moment?\n\nChannel 1: I think there's about 15,000.\n\nChannel 0: Yep. Beautiful. Fantastic. R15,000. Excellent.\n\nChannel 1: Yeah. So I think with it look. With the with the the life insurance, look. I'm I'm aware of my situation. That's why I think I'm happy to keep care.\n\nSo it'd be going. But, yeah, I do need to understand what this why the AIA policy\n\nChannel 0: Lovely.\n\nChannel 1: is\n\nChannel 0: Yeah.\n\nChannel 1: sitting there.\n\nChannel 0: Of course. Yeah. Of course. Understandable. What I'll do is after the call, I'll go back.\n\nI'll get my admin team to have a little look into it to find out why it was even noted there. I can shoot you an email after the call to let you know once they've done the investigation to what the deal was and yeah. Whether there's\n\nChannel 1: Yeah.\n\nChannel 0: actually anything there. Because, I mean, realistically, if there's some sort of older policy that's found, great. Let's look at that. Let's, you know, see what it does for you.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: If they unfortunately haven't and then put it there by mistake, then that's not okay. That should should not be noted because I don't wanna give you false hope. Absolutely.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. All good. With the TBD cover, now do you understand how total permanent disability cover works, what it means, how it's paid out, things like\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Got a\n\nChannel 1: Yep.\n\nChannel 0: good understanding of that? Beautiful. So you do have the same level of CBD within your care through there as your life cover. In the event of the CBD claim, we can also claim incapacity against the super benefit there. So what I'd be sort of lacking to do, because you do have that gap in the risk side of things, is try to boost the super as much as possible.\n\nSo it provides a greater benefit in the event of a claim long term, as well as providing for your long term retirement needs down the track there as well. With your\n\nChannel 1: Yep.\n\nChannel 0: super side of things, are you, with your expenditure at the moment, are you finding with your with the way living costs are that you have extra money to maybe be able to put in the city because of a biodegraded benefit, or is it not really a possibility now? You're not really wanting to do that?\n\nChannel 1: Yeah. I just think, you know, the the kids' school expense and things that I think, you know, what, in a couple of years' time, are we definitely pumping up the super?\n\nChannel 0: Yep. Just\n\nChannel 1: Yeah.\n\nChannel 0: the school\n\nChannel 1: You know,\n\nChannel 0: fees\n\nChannel 1: kids braces.\n\nChannel 0: and living expenses is not\n\nChannel 1: There's\n\nChannel 0: possible.\n\nChannel 1: just there's just there's just there's just at the moment, which yeah.\n\nChannel 0: Yes. Yes. Absolutely. No. That's okay.\n\nThat's not a problem at all. We'll make a note to sort of look at that and leave this down the track. Not an issue.\n\nChannel 1: Yeah.\n\nChannel 0: And with your retirement goals, we had done that you're sort of hoping to be able to retire fully access to around about the age of 60. Is that still your goal age, or has that sort of\n\nChannel 1: Yeah. Yeah. Yeah. Looks it's just\n\nChannel 0: changed?\n\nChannel 1: it'd be amazing.\n\nChannel 0: Yeah. That's okay. We'll work on that for you. Not a problem at all. Retire as soon as we possibly can so we can enjoy our life while we have the chance to.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Excellent. Now if I can get you to move to the next document for me, the next one along is the performance with internal rate of return. This is sort of showing you how all the individual within your super has performed over the past twelve months there. Having a look at things now, this is where I sort of did a little bit of booking ads over the beforehand.\n\nI'm gonna be really honest with you. There is something that sort of flagged with me that I'm gonna take to our senior management team and have already brought up with them. Tommy gave you some advice last year,\n\nChannel 1: Yeah.\n\nChannel 0: but that was around about late last year where he had recommended to change the investment portfolio there. He had recommended just to keep it in that growth environment but to sell some of the underperforming investments and to remove that down along Australian equities investment. Do you remember going through that with him?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Yeah. Beautiful. Unfortunately, it did looks like it hasn't actually gone through the swap. So you still do technically have that along Australian equity in your investment portfolio,\n\nChannel 1: Yeah.\n\nChannel 0: and that\n\nChannel 1: Right.\n\nChannel 0: is pulling things down a little bit. So I wanted to stand out a little bit. Hey. I've done this investigation for you. I can see this is here.\n\nThis should not have been here. I'm\n\nChannel 1: Yeah. No.\n\nChannel 0: honestly not very happy with how with it still being there. It is still holding your portfolio back a little bit. All the other investors have been performing quite well. Sorry. You're right here.\n\nChannel 1: Yes. That's down 20%. Is that right?\n\nChannel 0: It is. Correct. Yeah. Correct. Correct.\n\nAnd then along has had a bit of a volatile year. It had started sort of taking a bit of a dip at the end of last year, and that's when sort of Tommy had provided that advice to sell you out of the Benelon Australian Equities, and he was just looking to move you into another active loan that is done called Alfinity. So it looks like that investment switch\n\nChannel 1: Do\n\nChannel 0: did not\n\nChannel 1: you\n\nChannel 0: go through.\n\nChannel 1: know why\n\nChannel 0: So\n\nChannel 1: I didn't\n\nChannel 0: you\n\nChannel 1: do you\n\nChannel 0: still\n\nChannel 1: know why\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: didn't\n\nChannel 0: Benelon.\n\nChannel 1: do you know why I didn't\n\nChannel 0: It's\n\nChannel 1: go through?\n\nChannel 0: just being it's just being missed. It looks like it has been a bit of an administration error. They've started the implementation, and it hasn't been completed. So I will go back to our senior management team, and I've already flagged an email to send off shortly to say this would be advised. It's not how has not happened.\n\nThe way this sort of works for you is our senior management team will go back and investigate wholly as to what happened, where the the process fell down. They will look at the portfolio that was originally recommended for you in that last advice document and look at how this portfolio has performed as well. If the newer portfolio that you were recommended has performed better, it'll go through remediation, and OP Financial should remediate you and put a bit extra money in system to replace, essentially the loss that has been seen as a result of that error.\n\nChannel 1: Yeah. Look. Thank you. I appreciate that because, yeah, that's thank you for that response because yeah.\n\nChannel 0: No.\n\nChannel 1: Because\n\nChannel 0: No.\n\nChannel 1: I thought\n\nChannel 0: It's\n\nChannel 1: I mean, that's\n\nChannel 0: definitely\n\nChannel 1: why that's\n\nChannel 0: not\n\nChannel 1: why\n\nChannel 0: okay.\n\nChannel 1: I use I that's why I use you guys. Right? And if you don't\n\nChannel 0: Absolutely.\n\nChannel 1: act act on the advice we agreed to and then yeah.\n\nChannel 0: Yep.\n\nChannel 1: Since yeah. Okay. Thank\n\nChannel 0: Worst\n\nChannel 1: you.\n\nChannel 0: off. Yeah. No. No. Absolutely.\n\nI do understand that, and I'm definitely not happy that this occurred for you. It's certainly not the first call I wanted to make this morning, so I can only apologize for that. It's something I found as part of doing the research for your annual review. I'm also not entirely happy that the admin team doesn't just add an AIA policy to your other documents as well. So\n\nChannel 1: Yes.\n\nChannel 0: I'll\n\nChannel 1: Yeah.\n\nChannel 0: go back and just have a bit of word about the accuracy side of things. Obviously, we I certainly expect a lot more from my team, and they would expect a lot from from me. You pay for our services, and you expect a lot more from us as well. So we've definitely let you down in that department. I'm not impressed about it.\n\nI wanna do the right thing by you, so I will flag it with our senior management team. They will look at it, investigate it, and remediate you. I do have to let you know that if we find out that this portfolio, albeit, is a little bit lower than we expect, has performed better than the recommended, there would be no additional remediation made. But, I mean, Venalong is down pretty heavily, so I generally have no deposit investment that performed better than Venalong because of what's kinda going on there.\n\nChannel 1: Yeah.\n\nChannel 0: So I will flag that with you, and I'm very sorry that that occurred.\n\nChannel 1: Okay.\n\nChannel 0: With everything else within your portfolio, though, most other things have performed really well. Looking as a whole, you think hybrids are they are more of a defensive investment. You've got global cybersecurity, and they're up over 7%, which is quite nice. So the other side of the Australian equity portion is really sort of look at then along being down isn't just about the market because the market has been very up and down this year. Overall, market haven't performed as they have over the past couple of years, and this year that the average return in super and in investments is down a little bit as well.\n\nBut the third investment down there, the that's the beta of the Raffy. That's Australian equity. It's giving you access to exposure into some of the, you know, biggest 200 companies on the ASX within large and mid cap space. And essentially, that's up to 13.92%. So to see Australian equity is actually doing really well at the moment, but to see it's been a long down sort of shows you guys issue within the fund itself and\n\nChannel 1: Yep.\n\nChannel 0: not and not because of the market as a whole. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: We've also got the battery lithium tech, which has been one of your best performers up over 35% of the portfolio currently. Physical goal again has done quite well. We have had a bit of volatility within that this year. For composite bonds, the bonds have taken a little bit of a hit. You're still showing a positive return there, but bonds have taken a bit of a hit in the market this year with the high inflationary pressures within Australia.\n\nChannel 1: Yep.\n\nChannel 0: And the S and P 500 is, again, doing really well, so that has taken a bit of an up and down. We with what's been happening globally, US and Australian equities have sort of seen that up and down trend. But overall, this year has come out with a positive return, so it is good to see. The property side of things there is a little bit low. That is a lot to do with what sort of being happening with the legislative side of things.\n\nSo there's been updates and changes to capital gains tax, maybe with gearing, and also borrow within stuff on your super fund side of things. The property has taken a little bit of a hit after all those changes there. It is down within the portfolio. Realistically, I would like to sort of put this through and look at getting the remediation sorted for you, but I'm there are some changes that we could definitely look to make within the portfolio as a whole. I wanted to find out from you if you would like me to go back and maybe update it by update the portfolio and make some changes to reflect or whether you would just like me to go to the remediation, have this completed, and then we come back and talk about making changes and altering your portfolio for the future.\n\nWhat is more what would you like me to do? How would you like me to attack this for you?\n\nChannel 1: I think we do both.\n\nChannel 0: Yep. Yep. Happy for both. Beautiful.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Just wanted to make sure you're comfortable with me going at it wholeheartedly. I'll just\n\nChannel 1: Yeah.\n\nChannel 0: we'll\n\nChannel 1: No.\n\nChannel 0: get\n\nChannel 1: I\n\nChannel 0: remediation\n\nChannel 1: would love a job\n\nChannel 0: in\n\nChannel 1: interview.\n\nChannel 0: the background.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Beautiful. And I'll update the portfolio. I think I'm looking at sort of maneuvering the property side things as well. Property has had a a bit of a hit.\n\nWe don't know what it's gonna do down the track, so we could\n\nChannel 1: And\n\nChannel 0: look at investing in property in other ways within the fund. Sorry. You're alright.\n\nChannel 1: Yeah. My gut feel is I mean, with property, with with, you know, big AI wave, you know, it we're we're gonna see a lot of job cuts, which may well, you know, of of white collar workers who won't be able to afford their mortgage. I\n\nChannel 0: Yeah.\n\nChannel 1: my gut feeling is that we we've probably seen the peak property prices. I just think that I just think\n\nChannel 0: Yeah.\n\nChannel 1: that can drop. So I don't know. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: it's it's not you never you can't really speculate on these things, but yeah.\n\nChannel 0: No. Completely understandable. The other thing that we'll be changing down the track is the bank hybrid. So these are the defensive investment. I'm more of a complex investment.\n\nThe bank the government has come out earlier this year saying they are gonna look at phasing those sorts of investments up down the track. They are trying to streamline and make investment products a little bit easier for the average everyday Australian to understand, and big hybrids are a little bit like bonds and a little bit like shares. They're kind of a combat hybrid investment where they\n\nChannel 1: Yeah.\n\nChannel 0: you're basically\n\nChannel 1: Yeah.\n\nChannel 0: putting money into the banks and getting an income back, but they're also tradable and grow like shares. So they are very complex. They can be, but they're more defensive to the low risk because they tend to get a low rate of return, but there is still a risk factor with them. If you sort of think back to the DFC where, you know, banks were building these different hybrid products, They work really well for a period of time, but then they do also have that downside to them.\n\nChannel 1: Yeah,\n\nChannel 0: And,\n\nChannel 1: ma'am.\n\nChannel 0: you know, if banks tend to go fast, so if things have a, like, the DFC, then these sorts of investments can also have a very high risk component with them. So I'd probably like to go back, reevaluate that, and because that does have to be removed out of the portfolio eventually, we could look at maybe updating that now for you, making some changes now. That way, over the next couple of years, we hopefully won't have to make such big changes, and that allows the portfolio to compound a little bit better for you. How does that sound?\n\nChannel 1: Yep. That sounds great.\n\nChannel 0: Yep. Beautiful. The other thing to sort of think about is when Tommy did the advice last year, he was recommending to replace the banner long Australian equity with a with a fund called Alfiniti. It is an actively made fund there as well. When you tend to have these sorts of active managers within your portfolio, you do pay a little bit more in the way of fees for those sorts of things.\n\nIf you want me to sort of keep that active management in there, active managers are trying to outperform against the market. There's definitely no guarantees they're going to. And as I said, you do pay a little bit more for that. Or I can sort of get that the portfolio to make it more passively managed, make it, you know, more ETF, market tracking, and make it more lower cost for you. So fees so more money's left in your portfolio working part of the you.\n\nWould you like to have that active management side, or would you like to just focus on low cost in your portfolio? What's more important to you?\n\nChannel 1: What what's more important is is the highest return.\n\nChannel 0: Mhmm.\n\nChannel 1: So so I don't know. What what's your advice?\n\nChannel 0: Well, realistically, with where you are, you've got about twelve years before you're able to access super at this point. So focus on\n\nChannel 1: Yeah.\n\nChannel 0: your birthdays coming up in the next few days there.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Essentially, with where you are, you you are young enough to take on a little bit more risk in the market to have those active managers in there. That's absolutely fine. I can look at a portfolio which maybe has a little bit of active management in it, is still low cost, is still ETF and easily accessible, and doesn't have anything like analog in it. Would you like\n\nChannel 1: Yeah.\n\nChannel 0: me to sort of look at I can look at the best of both worlds and sort of allocate that for you if that would work for you.\n\nChannel 1: That would be great. Thank you.\n\nChannel 0: Yes. That's okay. I know I bet you a lot, and this has been probably not the conversation you thought it was gonna be today. But do you have any questions for me at the moment? Anything that you want me to kind of reflect on or anything that you might want me to touch on that I haven't yet?\n\nChannel 1: No. I think I think if I look at look. If I look at the portfolio now, obviously, the, you know, the property and Benland Benland is really underperforming. Property is underperforming.\n\nChannel 0: Yes.\n\nChannel 1: I mean, it's like the the combined ETF units are low. I mean, the the S and P 500 is not too bad. I I mean, things are performing okay. Just those two outliers, really.\n\nChannel 0: Mhmm. Yeah. Correct. Absolutely. Absolutely.\n\nAnd if you look at the next page there, with your portfolio as a total net of fees, it is has performed about eight point sorry. 4.83% after fees. It's after admin fees, out fees, everything. But that 4% of your portfolio over the past twelve months has averaged you 30,153 in dollar figures. So whilst it is still a good good dollar figure, it is a low net return for the year.\n\nChannel 1: Yeah.\n\nChannel 0: A lot of it\n\nChannel 1: Yep.\n\nChannel 0: is held back because of that banner long, and I do kinda wanna build on that. But it would have been good to see a much greater return there and see definitely a higher earning figure because it sort of shows what your portfolio can do if it was sort of set up correctly, essentially.\n\nChannel 1: And what was the return\n\nChannel 0: But yeah.\n\nChannel 1: the what was the return last year?\n\nChannel 0: I can pull that up for you. Have a look. 2025 annual review. There we go. So in the 2025 annual review, the return there was 12.54%.\n\nChannel 1: Yeah. Okay. So it's much higher.\n\nChannel 0: It was much higher. Yeah. Banner loan was still at a lower point. It was up still by 3%. But yeah.\n\nI mean, there are gonna be years when you don't get the average return that you're after that is gonna be because of market ups and downs. We do expect a negative year. But when\n\nChannel 1: Yeah.\n\nChannel 0: we see a negative year, we sort of wanna understand and see that, you know, the S and P five hundred is down, that the ASX is down. You wanna see those passive investments taking a hit as well. You don't wanna see the ASX, the S and P five hundred doing really well, but your return being low because then that's more of a trigger that it's the portfolio that's not working. It's not the market as a whole.\n\nChannel 1: Yeah.\n\nChannel 0: If we were in, you know, like, the COVID event or the DFC sort of event or if markets have taken a big dip like they did in around March and April because of what was happening, you know, between The US and Iran war and Trump tweeting, you know, each day,\n\nChannel 1: Yeah.\n\nChannel 0: those sorts\n\nChannel 1: Yep.\n\nChannel 0: of events you go, yeah. Okay. The market's down. I expect my portfolio to sort of follow that trend and be down as well, and negative returns expected in those instances. However,\n\nChannel 1: Yeah.\n\nChannel 0: having everything else actually performing quite well but seeing a very low return, you can sort of figure that it's probably got to do with one of the investments within their holding it back a little bit. So that's kind of where I've come to by looking at all of those outcomes for you. Okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Does that make any does that make sense? Do you have any additional questions on any of that at all so far? Or\n\nChannel 1: Yeah. No. No more questions. Thanks.\n\nChannel 0: that's okay. Beautiful. Thank you so much for going through that with me. The next document attached are the the we've got the sorry. The Vanguard index chart there for you.\n\nThat's essentially a bit of a a guide showing you how markets react over time. I believe you have a shared portfolio in your own name as well. Is that right?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Yeah. Yeah. Value we had on that was about a 100,000 last year. Has that increased in value recently? Is that a bit higher at the moment?\n\nChannel 1: I think it's I think it's about 80,000, because I've been I've been spending shares. So it's just one share type. And it's\n\nChannel 0: Yes.\n\nChannel 1: not one like, every time I sell shares, it it's not really worth it because I was gifted from an employee.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: and\n\nChannel 0: love\n\nChannel 1: they'll\n\nChannel 0: you.\n\nChannel 1: get gifted, like, $2. Now they're worth, like, $8. So it's every time I sell them, I get a hit\n\nChannel 0: Yep.\n\nChannel 1: at tax price.\n\nChannel 0: Yep. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. It's a bit like that. I understand that. Are you sort of hoping too long term to sort of hold on to those shares and maybe sell them down in retirement for additional cash or maybe just hold on to them and pass them on to your family? What's your sort of goal with that?\n\nDo you have a goal with those shares?\n\nChannel 1: No. It's it's it's more there for rainy days. Just because, you know, I get about\n\nChannel 0: Yes.\n\nChannel 1: about, I think, 3 to 4,000 in dividends each year. So I was kinda\n\nChannel 0: K.\n\nChannel 1: like, you know what I mean?\n\nChannel 0: Yep.\n\nChannel 1: It's just so, yeah, they're just sitting there.\n\nChannel 0: Yes.\n\nChannel 1: I don't have any plans for them.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. That's excellent. Well, with this Vanguard chart, I mean, as I said, you've got some shares in your own nature. You sort of understand how markets go up and down.\n\nI'm more than happy to talk you through this if you would like to, but I also am sure someone's gone through this in the past with you. But it just gives you a bit of an idea on how markets react and how markets trend over time and that to get the higher returns to take on a bit more risk, but we understand there's also the the chance of a dip within the market over a period of time as well, and we wanna make sure that we get safer that you are invested in a portfolio where you're not gonna be accessing at the downtime. So, essentially, as you get closer to retiring, we'll start to reduce\n\nChannel 1: Yeah.\n\nChannel 0: your risk level in the market, drop it down in generally in 10% increments, so it's a gradual step down. So by the time you get to accessing super, you've hopefully got a good a good balance within super. We are expecting a lower rate of return inside those years, but we're in more defensive income producing assets that will help to draw down your income through that time frame. Does that make sense?\n\nChannel 1: It does. Yeah.\n\nChannel 0: Yep. Beautiful. The next document along is the OCE Financial Services Guide. This is more of a a legal document. We do provide that to everyone that outlines who we are, what we do, how we do it.\n\nTommy, myself, all the other advisers, we are, like, noted in here with a lovely glossy photo, a bit of information on us, but also what's important is our licensing information. So we are full licensed advisers, or we're all registered through ASIC, and all that information is in here for you should you wanna go to and have a bit of a read of that. It does also update all about changes in the business and things like that. Having a look at the next document is the ongoing service agreement for the next twelve months there. So, obviously, I wanted to stand up and let you know there have been some things that have gone wrong this year.\n\nIt's, you know, not something I'm very happy about. I wanna go back and make sure that the team look after that for you. We do have to you know, if you wanna stay on board the next twelve months, go through and just resign the ongoing service agreement for the next twelve months. Our fees are changing a little bit down the track. It's not affecting you at all this year.\n\nWe're still keeping everything the same this year. But next year, all of our fees actually becomes more of a key structure. So when your balance is 200,000, it drops down from the 1.65% tier into the next tier down, which is 1.375. Once you balance it over 500,000, it drops down to the next tier. So, essentially, as your balance increases, we drop down into a different tier structure.\n\nAnd\n\nChannel 1: Yeah.\n\nChannel 0: every year, as part of your annual review like this document, it outlines the expected fee based on the percentage of 1.65%. What we'll essentially do at any review time is we'll go back and work out the exact dollar figure of the of the ongoing service agreement for that twelve month period. We do add 5% growth onto the total, And then we will show you as a dollar figure how much you're gonna pay for the year. Unlike the previous years where it's 1.65%, but it does fluctuate with the market. It goes up and down.\n\nIt means that when the market goes down, our fee takes a bit of a dip there with it. However, when the market does see, like, a 10 or 20 or 30% increase, then, obviously, your fee increases there with it as well. That also encompasses contribution. So if your contributions are going into your super fund and you're seeing know, a lot of growth, that 1.65% has always been based on the total balance. So it is also being paid on top of the contributions going in.\n\nWhat we'll be doing is looking at your total balance, seeing where you sit within the tier structure there, and working out the total fee for the year. It won't be an estimate. It'll be a set dollar figure. So you know you will not pay any more than that amount for that year. It'll be a lot more clarity for you.\n\nDoes that make sense? And do you have more questions around that at all?\n\nChannel 1: No. That makes\n\nChannel 0: Yeah. Beautiful. It's one of the things that I sort of brought up in the past was that this is always giving you it's 1.65%. It's always giving you an estimate on how much the fee is, but that can fluctuate depending\n\nChannel 1: sense.\n\nChannel 0: on what the market does, whereas this new fee structure will give you a lot more clarity around how that works. I believe that as one of the emails, the newsletters we sent out a few weeks back and I had a bit of back in there. Do you remember receiving that newsletter? Did you have it read through it at all?\n\nChannel 1: I I didn't rate it. No. No.\n\nChannel 0: No. That's okay. It is in the financial service guide that I've got here for you as well. So before you sign those documents, if you wanted to take some time to have a read through that one, let me know if you do happen to have any questions. The main reason for changing, obviously, the fee structure is that the cost of everything advice the or just based around what we do.\n\nA lot of that has changed over the past couple of years, and we've never changed that fee structure. It's always been exactly the same. So we wanted to make it a little bit more client friendly. So it does mean that as your super balance increases over time, you drop into the next tier down, which reduces the percentage which you're paying on your fees. It does also mean that instead of capping our fees at 600,000 moving forward, they're capped at 2,000,000.\n\nSo by reducing the overall percentage each fee over the longer term as your balance grows, you'll pay a little bit more for our services, but the percentage you pay that on is decreased as your balance increases. So it's about making sure that growth is still occurring. And by having a set dollar figure noted out, it's giving you more certainty around what our what the fees are for our services that year so that you're not, you know, estimating what it could be depending on market change is essentially is is designed to give you more clarity around that, but make sure that we're being remunerated for our services because of a lot of what we do behind the scenes. The advice we do provide, all that is included in our ongoing service fee. We don't charge additional implementation fees for advice around super and insurances and things like that.\n\nSo it's about making sure that it's all incorporated correctly, and the cost of everything has increased. The cost of living has increased. The cost of running a business and providing advice has also increased as well. So I just wanted to clarify that for you and make sure you have all that information. And the ongoing the financial services guide has a nice big breakdown of that for you for you to run your eyes over as well.\n\nIf you find you have any questions, you're welcome to let me know. Does that make sense? And do you have any additional questions on that at all?\n\nChannel 1: I don't know.\n\nChannel 0: No? That's okay. Forward? Beautiful. You'll be able to take that back and have a look at the documents prior to signing onboard.\n\nI'll go back and see if I've seen your management team, get the remuneration side of things in place, and then I'll also get it back and update the advice for you, reassess everything. As I kinda mentioned, the last document in there is the third party authority for CareSuper. We do need to have a new one signed to be able to do the research around the balance you have, the insurance within there for you, and also how things are invested. We'll go back and research all of that once that document comes back, and we're able to apply that to the account so that we can kind of update the advice for you and have it all reflective and also get the remuneration sorted for you nice and quickly. Okay?\n\nChannel 1: Okay. So should I sign this document now knowing that you'll be looking at remediation\n\nChannel 0: Is\n\nChannel 1: and\n\nChannel 0: that\n\nChannel 1: the new advice?\n\nChannel 0: it's up to you. You we do ask that you sign it all and send it back to us as soon as possible. However, if you wanna take it back and read it first, I have no qualms with that. I'm more than happy for you to give it a day or a week, whatever you're comfortable with. Obviously, we do need the ongoing service agreement back by us providing any new advice because we provide it under the guy that you're an ongoing client.\n\nBut at the same time, you can start it now if you're comfortable to. If you don't want if you wanna go back and read things first, that's absolutely fine. I have no problems with that. I would rather do it at a comfort level that's right for you.\n\nChannel 1: Okay. So there was so the next one is it was the authorization to collect information. Is that the one you're referring to around CareSuper?\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: That's correct. Yeah. So no. It's a third party authority there which will have applied the funds. Yeah.\n\nChannel 1: Okay. I've\n\nChannel 0: All\n\nChannel 1: signed\n\nChannel 0: good.\n\nChannel 1: both documents.\n\nChannel 0: Beautiful. Did you want me to send you an an email copy of those signed documents to kick us the record for yourselves as well? I'm happy to do so.\n\nChannel 1: Yeah. Look. No. Look. That's fine.\n\nIf you can just if you can just, like, come back to me when you can, I guess, with regards to the\n\nChannel 0: Yeah.\n\nChannel 1: remediation and what the new the new plan is?\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Beautiful. The last thing I thought I wanted to do was just to go through and update a few additional details that I have here for you.\n\nYour income that we had noted down last year was about 230,000. Have you been lucky enough to have a pay rise since then?\n\nChannel 1: Yeah. I think it's $2.40 now.\n\nChannel 0: $2.40. Beautiful. Excellent. Lovely. I've got down so expenditure wise, you sort of made mention that life is pretty expensive.\n\nYou're not really sort of saving anything. Are you managing to put anything away into a savings account on a regular basis that you would quantify at all?\n\nChannel 1: Not much. I mean, look, I've got a payment account for about, you know, $15. There's\n\nChannel 0: Yeah.\n\nChannel 1: obviously yes. But yeah.\n\nChannel 0: No. That's okay. That's absolutely fine. I think last week we had it noted, Daniel, we're managing about $500 on a weekly basis. Would it be less of that, do you think?\n\nChannel 1: Yeah. It'd be about the same.\n\nChannel 0: Yep. Beautiful. Excellent. I've also got down here the other additional goals. You were looking to build that cash buffer for emergencies under 10,000.\n\nYou've got that 15,000 sitting in the savings there as well. Are you still looking to build on that as a bit of an emergency fund, or is that kind of that goal fully met?\n\nChannel 1: Yeah. No. Yeah. It's not it's it's kind of fluid. As long as it kind of fits there, you know, things pop up, need braces.\n\nAlright. I've got some cash. But yeah. So it's kind of sitting where it needs to.\n\nChannel 0: Yep. Yep. No. That's okay. I did the braces thing with my kids.\n\nThat's expensive. All good. And then the any other things I've sort of got here, we're looking to, you know, pay off your mortgage as much as possible, directing most of your cash flow towards your mortgage goal. Is that that still feels fairly relevant moving forward trying to pay that down? Are you hoping to try and have that mortgage completely gone by retirement, or do you feel like because the time is sort of about twelve years away, there's a possibility that you'll still have that mortgage in those years and maybe wanna draw on to cover the difference?\n\nOr how do you feel about the mortgage and moving forward with that goal?\n\nChannel 1: Yeah. Look. I still think, potentially, it's achievable. You see, you know, just get through the next few years with my kids, and then I'll I'll\n\nChannel 0: Mhmm.\n\nChannel 1: have I'll\n\nChannel 0: Yeah.\n\nChannel 1: have more disposable income to then pump into the mortgage and also then also look to increase my super contribution as well.\n\nChannel 0: Yes. Yep. Beautiful. I'll add that down as a future goal that we'll sort of keep track of. Fantastic.\n\nExcellent. Other than that, do you have any other goals that you're looking to achieve over the course of the next twelve months or even next five years at all?\n\nChannel 1: Well, I think over the next twelve months is is I'd, you know, I'd love to get it pulled forward back to, you know, what it was last year in terms of, you know, that 13% growth, where it was anyone's, like, 4.8 this year. So I\n\nChannel 0: Mhmm.\n\nChannel 1: think I'm keen\n\nChannel 0: Yep.\n\nChannel 1: to keen to see a better better year knowing that, you know, years do fluctuate. But yeah.\n\nChannel 0: Absolutely. Yeah. No. Not a problem at all. And, look, I would like to maybe do a few more catch up with you.\n\nI think a lot of this you have that review with Tommy last year, if I could go through. But I do kinda feel like doing a catch up with you a little bit more often, maybe once every six months might mean that we can kind of flag things a little bit quicker with you as well. If I see something dropping in the portfolio, we can always come back and readjust it. We don't have to wait for an annual review, and it can then we can flag things a little bit quicker when markets aren't working as well. Would you be comfortable if I set a catch up for you once every six months to sort of\n\nChannel 1: Yeah.\n\nChannel 0: touch base\n\nChannel 1: I would\n\nChannel 0: on those sorts of\n\nChannel 1: I\n\nChannel 0: things?\n\nChannel 1: would love that. That'd be awesome.\n\nChannel 0: Yep. Beautiful. Fantastic. I'm trying to sort of having a look at the process and how things have gone for the last few years. I've kinda set up a book now where I've been able to take on a bunch of clients.\n\nYou're one of those. And if you decide I'm not your adviser, that's obviously okay. But I wanna sort of take it back to basics a little bit more and sort of have those catch up more regularly so we can fly where markets are up and down, talk you through what's happening, and and understand what's going on in in the portfolio. So when we have a negative year, we understand why we understand what's happening happening and reflective of the market as a whole. But where, say, your portfolio hasn't been updated correctly or if it's just as an underperforming investment, that we can look to flag that and update advice a bit more appropriately for you.\n\nDoes that sound okay?\n\nChannel 1: It does. Yes.\n\nChannel 0: Yep. Beautiful. Fantastic. The only other asset I had on here was your vehicle. Last time we caught up your asset the value, sorry, was about 15,000.\n\nWhat would you value your vehicle at now, do you think?\n\nChannel 1: Oh, that car yes. Probably nothing. So I've I've given that car to my to my to my son.\n\nChannel 0: Yep.\n\nChannel 1: So I'm now I'm now leasing a car.\n\nChannel 0: Okay. Beautiful. Is so at least it's true, like, cellular packaging?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. Fantastic. And the last thing to do is just to go through a really quick risk profile questionnaire just to kinda gauge whether you are investing correctly.\n\nRealistically, with your time horizon. You still do fit within the portfolio that you're in, but I just had a couple of questions to kinda gauge whether there's any changes to that. So the first one here is when you think about markets and you think about taking risk in the market, do you consider yourself comfortable taking a higher level of risk to get greater potential returns knowing that the downside is reflective of that so it's magnified? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can or not taking any risk in the market knowing the returns are reflective of that? Where would you see yourself fitting?\n\nChannel 1: Probably somewhere between high and moderate. I know that doesn't help, so I'd probably say moderate.\n\nChannel 0: Mhmm. Yep. Perfect. That's okay. The next one here is how would you feel?\n\nListen, Marcus took a 20% dip over the next one to three years due to what was happening generally within the world. Do you think you'd take it as an opportunity to invest a nice big lump sum, invest into the dip? Are you considering holding and waiting, calling us, and seeing what we suggest to do, or are you likely to maybe cement the loss and sell to cash?\n\nChannel 1: I'd probably look to you guys for advice.\n\nChannel 0: Yep. Beautiful. That's a good answer. Nothing to lie. The next one here is have you seen your super full in value in the past?\n\nIf you have, how do these drips make you feel? Are you feeling optimistic about the investment opportunities? Are you a bit cautious, concerned, or feeling slightly anxious?\n\nChannel 1: Optimist.\n\nChannel 0: Optimistic. Beautiful. Thank you for that. And the last one here that we've had in the past is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for state property?\n\nChannel 1: No. I haven't thought about borrowing for shares.\n\nChannel 0: Mhmm.\n\nChannel 1: And I've yeah. I've only ever borrowed for property, which I don't which I wouldn't I wouldn't be investing\n\nChannel 0: Yep.\n\nChannel 1: in property right now.\n\nChannel 0: No. No. That's okay. Beautiful. So you've scored it as a growth investor.\n\nSo we do have you in that growth kind of environment, which generally sees about 80% of your super invested in those growth assets. So thinking like Australian shares, international shares, listed property, and commodities like gold and silver, and then still keeping about a 20% defensive component of things like cash, bonds, and fixed interest. When we look at the risk profile and sort of what achievable conservative rate of return the growth portfolio should be able to receive on a yearly basis, you're looking at around about seven to 9% in mid levy or wanna see a much greater return than that, but that's sort of focusing on on a conservative rate of return that could be compounded or to sort of provide growth. Anything under 7% like what we have sort of seen this year is generally an underperformance of the fund or the market is due to the market concerns. Anything over that 9% we consider to be fair.\n\nIt has to\n\nChannel 1: Yeah.\n\nChannel 0: be considered over performance. Volatility wise, we do or we expect the volatility in this range to be plus or minus about 11%. So, realistically, in a good year, you could receive an additional 11% on top of that nine. In a bad year, it can drop by 11% under the seven there. So it is an expectation with the volatility.\n\nWe understand how that works. And the likelihood of a negative return in this sort of environment is around about one in every five years. So it's not crazy. You're kind of when you think about the risk set scale, one being all in cash, five being all in shares and are very aggressive, you're sitting at about a three there. It's kind of mid range.\n\nIt does normally suit someone as your time horizon. Generally, when you're about six years away from accessing Super, we'd be talking about reducing the risk level further. But for right now, this suits your time horizon and your capacity to sort of withstand market ups and downs. But do you feel comfortable in this environment, in this sort of portfolio still?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. I know I have touched on a lot today, and I'm really sorry about the things that I had to kinda go through with you. But I'm glad that we touched on the things that are really important to you.\n\nI will go back and investigate the AIA policy and let you know what's going on with that one.\n\nChannel 1: Yep.\n\nChannel 0: I will also get the remediation started ASAP for you and also do that research in the meantime to get the advice updated to reflecting for you as well. Is there anything else that you might need me to work on while you've got me or anything else, information wise, you think I haven't touched on that might be of importance?\n\nChannel 1: No. Those three things with my actions as well. So yeah. Thank you.\n\nChannel 0: Absolutely. They will be at the top of my priority list, so I'll make sure they are started ASAP so that we can at least get everything updated. I will be updating the advice also in the meantime, so there's a chance I mean, I will be pushing the admin the senior team to get the remuneration done as quickly as possible, but I aim to have this advice case updated for you very fast as well because I don't want you in bed along\n\nChannel 1: Okay.\n\nChannel 0: any longer than you need to be. Okay? Beautiful. Thank you so much for your time, Adam. I really appreciate it.\n\nI hope you have a really good day, and I appreciate you taking my call this morning.\n\nChannel 1: You too, and thanks again.\n\nChannel 0: Not a worry.\n\nChannel 1: Alright.\n\nChannel 0: You have a good day and a good weekend.\n\nChannel 1: K. You too. Ciao. Bye.\n\nChannel 0: Great. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.024166584014892575}],"sentiment":"neutral","sentiment_score":0.024166584014892575,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Hi, Adam.","start":2.32,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.051624543964862823},{"text":"It's","start":2.8799999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.05532841384410858}],"sentiment":"neutral","sentiment_score":0.05285916725794474,"channel":0,"num_words":3,"start":2.32,"end":3.1999998},{"sentences":[{"text":"Hi.","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.06765463948249817}],"sentiment":"neutral","sentiment_score":0.06765463948249817,"channel":1,"num_words":1,"start":3.04,"end":3.54},{"sentences":[{"text":"Dana from Oakley Financial.","start":3.1999998,"end":4.56,"sentiment":"neutral","sentiment_score":0.07449252158403397},{"text":"Can you hear me okay?","start":4.56,"end":5.7,"sentiment":"neutral","sentiment_score":0.03659174591302872}],"sentiment":"neutral","sentiment_score":0.05343653510014216,"channel":0,"num_words":9,"start":3.1999998,"end":5.7},{"sentences":[{"text":"Yeah.","start":6.16,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.04614638537168503},{"text":"I can hear you now.","start":6.3199997,"end":7.54,"sentiment":"neutral","sentiment_score":0.040283537656068805}],"sentiment":"neutral","sentiment_score":0.04126067894200484,"channel":1,"num_words":6,"start":6.16,"end":7.54},{"sentences":[{"text":"Oh, fantastic.","start":7.8399997,"end":8.82,"sentiment":"neutral","sentiment_score":0.26308728754520416},{"text":"Sorry about that.","start":9.04,"end":9.679999,"sentiment":"neutral","sentiment_score":-0.21066281696160635},{"text":"I'm not sure what happened with the line.","start":9.679999,"end":11.38,"sentiment":"neutral","sentiment_score":-0.2781795859336853}],"sentiment":"neutral","sentiment_score":-0.17932696640491486,"channel":0,"num_words":13,"start":7.8399997,"end":11.38},{"sentences":[{"text":"That's okay.","start":12.16,"end":12.98,"sentiment":"neutral","sentiment_score":-0.008608505129814148}],"sentiment":"neutral","sentiment_score":-0.008608505129814148,"channel":1,"num_words":2,"start":12.16,"end":12.98},{"sentences":[{"text":"Oh, good.","start":13.755,"end":14.315,"sentiment":"neutral","sentiment_score":0.24092812091112137},{"text":"I had to book in to go to your annual review this morning.","start":14.315,"end":16.875,"sentiment":"neutral","sentiment_score":0.19207281676622537},{"text":"Is now still a good time there for you?","start":16.875,"end":18.895,"sentiment":"neutral","sentiment_score":0.20848125881618923}],"sentiment":"neutral","sentiment_score":0.2022972578803698,"channel":0,"num_words":24,"start":13.755,"end":18.895},{"sentences":[{"text":"Yeah.","start":19.265,"end":19.505001,"sentiment":"neutral","sentiment_score":0.07297378033399582},{"text":"No.","start":19.505001,"end":19.825,"sentiment":"neutral","sentiment_score":0.10258247703313828},{"text":"It's perfect.","start":19.825,"end":20.404999,"sentiment":"neutral","sentiment_score":0.33307912945747375}],"sentiment":"neutral","sentiment_score":0.2104286290705204,"channel":1,"num_words":4,"start":19.265,"end":20.404999},{"sentences":[{"text":"Yep.","start":20.955,"end":21.355,"sentiment":"positive","sentiment_score":0.3687327802181244},{"text":"Fantastic.","start":21.355,"end":21.855,"sentiment":"positive","sentiment_score":0.604067862033844},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":22.875,"end":27.115,"sentiment":"neutral","sentiment_score":0.26256179880528224},{"text":"Are you happy for us to proceed with that?","start":27.115,"end":29.75,"sentiment":"neutral","sentiment_score":0.26859410603841144}],"sentiment":"neutral","sentiment_score":0.2782482928596437,"channel":0,"num_words":32,"start":20.955,"end":29.75},{"sentences":[{"text":"Yeah.","start":29.665,"end":29.904999,"sentiment":"neutral","sentiment_score":0.1696920096874237},{"text":"Sure.","start":29.904999,"end":30.404999,"sentiment":"neutral","sentiment_score":0.2615647614002228}],"sentiment":"neutral","sentiment_score":0.21562838554382324,"channel":1,"num_words":2,"start":29.665,"end":30.404999},{"sentences":[{"text":"Fantastic.","start":31.009998,"end":31.509998,"sentiment":"positive","sentiment_score":0.4501886367797851},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address on file.","start":31.65,"end":37.51,"sentiment":"neutral","sentiment_score":0.241059312665904}],"sentiment":"neutral","sentiment_score":0.24852821709854261,"channel":0,"num_words":28,"start":31.009998,"end":37.51},{"sentences":[{"text":"Yeah.","start":38.0,"end":38.16,"sentiment":"neutral","sentiment_score":0.07473291456699371},{"text":"It's Adam Novak.","start":38.16,"end":39.54,"sentiment":"neutral","sentiment_score":0.048479645202557244}],"sentiment":"neutral","sentiment_score":0.05504296254366636,"channel":1,"num_words":4,"start":38.0,"end":39.54},{"sentences":[{"text":"Yep.","start":40.129997,"end":40.629997,"sentiment":"neutral","sentiment_score":0.05527615547180176}],"sentiment":"neutral","sentiment_score":0.05527615547180176,"channel":0,"num_words":1,"start":40.129997,"end":40.629997},{"sentences":[{"text":"Twenty ninth of the eighth","start":40.96,"end":42.34,"sentiment":"neutral","sentiment_score":0.03867594227194786}],"sentiment":"neutral","sentiment_score":0.03867594227194786,"channel":1,"num_words":5,"start":40.96,"end":42.34},{"sentences":[{"text":"Yep.","start":42.85,"end":43.305,"sentiment":"neutral","sentiment_score":0.038305871188640594}],"sentiment":"neutral","sentiment_score":0.038305871188640594,"channel":0,"num_words":1,"start":42.85,"end":43.305},{"sentences":[{"text":"1978.","start":43.515,"end":44.635,"sentiment":"neutral","sentiment_score":0.05478665977716446},{"text":"And the","start":44.635,"end":45.035,"sentiment":"neutral","sentiment_score":0.04107377119362354}],"sentiment":"neutral","sentiment_score":0.04564473405480385,"channel":1,"num_words":3,"start":43.515,"end":45.035},{"sentences":[{"text":"Yep.","start":45.145,"end":45.645,"sentiment":"neutral","sentiment_score":0.03682556748390198}],"sentiment":"neutral","sentiment_score":0.03682556748390198,"channel":0,"num_words":1,"start":45.145,"end":45.645},{"sentences":[{"text":"do you need my address as well?","start":45.355,"end":46.554996,"sentiment":"neutral","sentiment_score":0.042531413425292285},{"text":"Yes.","start":46.554996,"end":46.875,"sentiment":"neutral","sentiment_score":0.02492416650056839},{"text":"76 Lewis Street, Maryville.","start":46.875,"end":49.135,"sentiment":"neutral","sentiment_score":0.026982528157532215}],"sentiment":"neutral","sentiment_score":0.03588118109231194,"channel":1,"num_words":12,"start":45.355,"end":49.135},{"sentences":[{"text":"Beautiful.","start":50.265,"end":50.765,"sentiment":"positive","sentiment_score":0.42939990758895874},{"text":"Thank you so much for that.","start":50.825,"end":52.445,"sentiment":"positive","sentiment_score":0.5833922227223715},{"text":"Adam, as part of your annual review, we do normally send through some documents for you to view with us.","start":52.505,"end":56.85,"sentiment":"neutral","sentiment_score":0.2228602111339569},{"text":"Are you able to access your email so at the moment?","start":56.85,"end":59.41,"sentiment":"neutral","sentiment_score":0.060689136047254906},{"text":"If you can't, that's okay.","start":59.41,"end":60.789997,"sentiment":"neutral","sentiment_score":-0.046652691811323165}],"sentiment":"neutral","sentiment_score":0.205145918699198,"channel":0,"num_words":43,"start":50.265,"end":60.789997},{"sentences":[{"text":"I am.","start":61.51,"end":61.989998,"sentiment":"neutral","sentiment_score":0.04107228107750416},{"text":"Yeah.","start":61.989998,"end":62.489998,"sentiment":"neutral","sentiment_score":0.08338756859302521}],"sentiment":"neutral","sentiment_score":0.05517737691601118,"channel":1,"num_words":3,"start":61.51,"end":62.489998},{"sentences":[{"text":"Yeah.","start":62.93,"end":63.25,"sentiment":"neutral","sentiment_score":0.14423063397407532},{"text":"Beautiful.","start":63.25,"end":63.75,"sentiment":"positive","sentiment_score":0.33574461936950684},{"text":"I'll send those through to you now if you're able to jump into your email there.","start":63.969997,"end":67.59,"sentiment":"neutral","sentiment_score":0.24123745877295732},{"text":"It does it comes from OdooSign and or it could just come from Zaynah at Odoo Financial as well.","start":67.97,"end":73.555,"sentiment":"neutral","sentiment_score":0.11117619119192425},{"text":"Okay.","start":73.775,"end":74.275,"sentiment":"neutral","sentiment_score":0.12469826638698578}],"sentiment":"neutral","sentiment_score":0.1730742234932749,"channel":0,"num_words":38,"start":62.93,"end":74.275},{"sentences":[{"text":"Yeah.","start":74.015,"end":74.515,"sentiment":"neutral","sentiment_score":0.16247811913490295}],"sentiment":"neutral","sentiment_score":0.16247811913490295,"channel":1,"num_words":1,"start":74.015,"end":74.515},{"sentences":[{"text":"Excellent.","start":75.055,"end":75.534996,"sentiment":"neutral","sentiment_score":0.2949836254119873},{"text":"How's your morning been so far?","start":75.534996,"end":76.975,"sentiment":"neutral","sentiment_score":0.18905950337648392},{"text":"No.","start":76.975,"end":77.215,"sentiment":"neutral","sentiment_score":-0.0005497056990861893},{"text":"It's still early.","start":77.215,"end":78.115,"sentiment":"neutral","sentiment_score":0.0005040243268013002}],"sentiment":"neutral","sentiment_score":0.13002754663201896,"channel":0,"num_words":11,"start":75.055,"end":78.115},{"sentences":[{"text":"Yeah.","start":78.735,"end":79.055,"sentiment":"neutral","sentiment_score":0.03929366916418075},{"text":"Not too bad.","start":79.055,"end":79.695,"sentiment":"neutral","sentiment_score":0.045650326957305275},{"text":"Not too bad.","start":79.695,"end":80.255005,"sentiment":"neutral","sentiment_score":0.042643470068772636},{"text":"I think we're on the same time zone, are we?","start":80.255005,"end":82.355,"sentiment":"neutral","sentiment_score":0.019404984451830386}],"sentiment":"neutral","sentiment_score":0.029307347338865784,"channel":1,"num_words":17,"start":78.735,"end":82.355},{"sentences":[{"text":"Oh, we are.","start":82.509995,"end":83.229996,"sentiment":"neutral","sentiment_score":0.012877880285183588},{"text":"Yeah.","start":83.229996,"end":83.71,"sentiment":"neutral","sentiment_score":0.030155375599861145},{"text":"Yeah.","start":83.71,"end":84.11,"sentiment":"neutral","sentiment_score":0.04586641490459442},{"text":"Yep.","start":84.11,"end":84.61,"sentiment":"neutral","sentiment_score":0.054441072046756744},{"text":"I actually I can live in New South Wales, so we're on the same time zone for a bit 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there.","start":356.865,"end":357.905,"sentiment":"neutral","sentiment_score":-0.24934964776039123},{"text":"There's Mississippi of the time being noted there.","start":357.905,"end":360.16498,"sentiment":"neutral","sentiment_score":-0.09658330120146275}],"sentiment":"neutral","sentiment_score":-0.20657753261427084,"channel":0,"num_words":24,"start":341.50998,"end":360.16498},{"sentences":[{"text":"Leave that one with me.","start":360.94998,"end":361.99,"sentiment":"neutral","sentiment_score":-0.1151200845837593},{"text":"I'll go so I can get to verify because I don't think that is accurate either.","start":361.99,"end":367.59,"sentiment":"neutral","sentiment_score":-0.128999475389719},{"text":"I just there's nothing coming out of your hub twenty four account.","start":367.59,"end":370.63,"sentiment":"neutral","sentiment_score":-0.10510765761137009},{"text":"I'm not sure where they 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that.","start":380.105,"end":381.545,"sentiment":"neutral","sentiment_score":-0.2698940306901932},{"text":"That's not accurate or good.","start":381.545,"end":383.86502,"sentiment":"negative","sentiment_score":-0.6396305561065674},{"text":"I don't like","start":383.86502,"end":384.42502,"sentiment":"negative","sentiment_score":-0.5861225922902426}],"sentiment":"neutral","sentiment_score":-0.20901293747127056,"channel":0,"num_words":50,"start":371.66998,"end":384.42502},{"sentences":[{"text":"Yep.","start":384.325,"end":384.825,"sentiment":"negative","sentiment_score":-0.5063161253929138}],"sentiment":"negative","sentiment_score":-0.5063161253929138,"channel":1,"num_words":1,"start":384.325,"end":384.825},{"sentences":[{"text":"that at all.","start":384.42502,"end":384.98502,"sentiment":"negative","sentiment_score":-0.47599993149439496},{"text":"So I will go back and get them to re clarify.","start":384.98502,"end":387.305,"sentiment":"neutral","sentiment_score":-0.1054151092063297},{"text":"If there is anything that we've been able to find that just hasn't kind of been brought up in the past, I'll let you know.","start":387.305,"end":393.34,"sentiment":"neutral","sentiment_score":-0.13472299486398698},{"text":"If that's definitely not accurate, then I'll let you know there.","start":394.04,"end":397.0,"sentiment":"neutral","sentiment_score":-0.26957117833874444},{"text":"But let's kinda focus on the care super insurances for the moment there.","start":397.0,"end":400.68,"sentiment":"neutral","sentiment_score":-0.02456428626408944}],"sentiment":"neutral","sentiment_score":-0.1466707865160609,"channel":0,"num_words":63,"start":384.42502,"end":400.68},{"sentences":[{"text":"So looking at your life and CPD, I know that you're well aware that you're not really able to gain new color at the moment due to the heart condition and your previous health history.","start":400.68,"end":409.215,"sentiment":"neutral","sentiment_score":-0.15890492988484248}],"sentiment":"neutral","sentiment_score":-0.15890492988484248,"channel":0,"num_words":35,"start":400.68,"end":409.215},{"sentences":[{"text":"Yep.","start":410.195,"end":410.695,"sentiment":"neutral","sentiment_score":0.0023679323494434357}],"sentiment":"neutral","sentiment_score":0.0023679323494434357,"channel":1,"num_words":1,"start":410.195,"end":410.695},{"sentences":[{"text":"But in the event of passing so if you focus on what you've got at the moment, the life and TPD, or is this the life to start with, If you were to say pass away based on the current benefit, you've got 200 and one thousand two hundred and fifty, but then your sister is also released on top of that.","start":410.715,"end":427.40002,"sentiment":"neutral","sentiment_score":-0.013705892360679085},{"text":"So we've got some care as well as you have 24 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would pay off most of the mortgage or could sort of be paid out, you know, to look after your family.","start":450.8,"end":457.12,"sentiment":"neutral","sentiment_score":0.13134252466261387},{"text":"You've got three kids.","start":457.12,"end":458.63998,"sentiment":"neutral","sentiment_score":0.10490690171718597},{"text":"Is that right?","start":458.63998,"end":459.54,"sentiment":"neutral","sentiment_score":0.10386577000220616}],"sentiment":"neutral","sentiment_score":0.12510876543819904,"channel":0,"num_words":32,"start":450.16,"end":459.54},{"sentences":[{"text":"Yes.","start":460.23,"end":460.73,"sentiment":"neutral","sentiment_score":0.15454834699630737}],"sentiment":"neutral","sentiment_score":0.15454834699630737,"channel":1,"num_words":1,"start":460.23,"end":460.73},{"sentences":[{"text":"Yep.","start":461.52,"end":462.0,"sentiment":"neutral","sentiment_score":0.22420188784599304},{"text":"Beautiful.","start":462.0,"end":462.5,"sentiment":"positive","sentiment_score":0.536395251750946},{"text":"And where do you sort of want that benefit to be paid paid to?","start":463.33502,"end":466.375,"sentiment":"neutral","sentiment_score":0.11200665842209544},{"text":"What would you want them to be able to do with that 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the portfolio as a whole.","start":1105.71,"end":1119.665,"sentiment":"neutral","sentiment_score":-0.04880047481703131},{"text":"I wanted to find out from you if you would like me to go back and maybe update it by update the portfolio and make some changes to reflect or whether you would just like me to go to the remediation, have this completed, and then we come back and talk about making changes and altering your portfolio for the future.","start":1119.725,"end":1136.98,"sentiment":"neutral","sentiment_score":0.0695144517622033}],"sentiment":"neutral","sentiment_score":-0.05690412351797367,"channel":0,"num_words":145,"start":1091.3251,"end":1136.98},{"sentences":[{"text":"What is more what would you like me to do?","start":1137.0399,"end":1139.2,"sentiment":"neutral","sentiment_score":0.006537479907274246},{"text":"How would you like me to attack this for you?","start":1139.2,"end":1141.7799,"sentiment":"neutral","sentiment_score":0.005128801241517067}],"sentiment":"neutral","sentiment_score":0.005833140574395657,"channel":0,"num_words":20,"start":1137.0399,"end":1141.7799},{"sentences":[{"text":"I think we do both.","start":1142.255,"end":1143.5549,"sentiment":"neutral","sentiment_score":0.06217233538627624}],"sentiment":"neutral","sentiment_score":0.06217233538627624,"channel":1,"num_words":5,"start":1142.255,"end":1143.5549},{"sentences":[{"text":"Yep.","start":1144.685,"end":1145.005,"sentiment":"neutral","sentiment_score":0.1261700838804245},{"text":"Yep.","start":1145.005,"end":1145.3251,"sentiment":"neutral","sentiment_score":0.1937798708677292},{"text":"Happy for 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love a job","start":1151.77,"end":1152.41,"sentiment":"neutral","sentiment_score":0.02783818356692791}],"sentiment":"neutral","sentiment_score":0.02783818356692791,"channel":1,"num_words":4,"start":1151.77,"end":1152.41},{"sentences":[{"text":"in","start":1152.365,"end":1152.605,"sentiment":"neutral","sentiment_score":0.03921879082918167}],"sentiment":"neutral","sentiment_score":0.03921879082918167,"channel":0,"num_words":1,"start":1152.365,"end":1152.605},{"sentences":[{"text":"interview.","start":1152.41,"end":1152.91,"sentiment":"neutral","sentiment_score":0.06692150235176086}],"sentiment":"neutral","sentiment_score":0.06692150235176086,"channel":1,"num_words":1,"start":1152.41,"end":1152.91},{"sentences":[{"text":"the background.","start":1152.605,"end":1153.265,"sentiment":"neutral","sentiment_score":0.011041134595870972}],"sentiment":"neutral","sentiment_score":0.011041134595870972,"channel":0,"num_words":2,"start":1152.605,"end":1153.265},{"sentences":[{"text":"Yeah.","start":1153.85,"end":1154.35,"sentiment":"neutral","sentiment_score":0.07115218788385391}],"sentiment":"neutral","sentiment_score":0.07115218788385391,"channel":1,"num_words":1,"start":1153.85,"end":1154.35},{"sentences":[{"text":"Yes.","start":1154.125,"end":1154.4451,"sentiment":"neutral","sentiment_score":0.1335892677307129},{"text":"Beautiful.","start":1154.4451,"end":1154.9451,"sentiment":"positive","sentiment_score":0.3409363031387329},{"text":"And I'll update the portfolio.","start":1155.485,"end":1156.865,"sentiment":"neutral","sentiment_score":0.15950116366147996},{"text":"I think I'm looking at sort of maneuvering the property side things as well.","start":1156.925,"end":1161.0199,"sentiment":"neutral","sentiment_score":0.09089130136583533},{"text":"Property has had a a bit of a hit.","start":1161.0199,"end":1163.2799,"sentiment":"neutral","sentiment_score":-0.29393724269337124}],"sentiment":"neutral","sentiment_score":-0.0033641858647267026,"channel":0,"num_words":30,"start":1154.125,"end":1163.2799},{"sentences":[{"text":"We don't know what it's gonna do down the track, so we could","start":1163.34,"end":1165.74,"sentiment":"neutral","sentiment_score":-0.12450165588122147}],"sentiment":"neutral","sentiment_score":-0.12450165588122147,"channel":0,"num_words":13,"start":1163.34,"end":1165.74},{"sentences":[{"text":"And","start":1165.605,"end":1166.105,"sentiment":"neutral","sentiment_score":-0.03403935581445694}],"sentiment":"neutral","sentiment_score":-0.03403935581445694,"channel":1,"num_words":1,"start":1165.605,"end":1166.105},{"sentences":[{"text":"look at investing in property in other ways within the fund.","start":1165.74,"end":1168.38,"sentiment":"neutral","sentiment_score":-0.006281412121924487},{"text":"Sorry.","start":1168.38,"end":1168.7,"sentiment":"neutral","sentiment_score":-0.0668296217918396},{"text":"You're alright.","start":1168.7,"end":1169.36,"sentiment":"neutral","sentiment_score":-0.03645235858857632}],"sentiment":"neutral","sentiment_score":-0.014916419450725828,"channel":0,"num_words":14,"start":1165.74,"end":1169.36},{"sentences":[{"text":"Yeah.","start":1169.6849,"end":1170.085,"sentiment":"neutral","sentiment_score":-0.0220395103096962},{"text":"My gut feel is I mean, with property, with with, you know, big AI wave, you know, it we're we're gonna see a lot of job cuts, which may well, you know, of of white collar workers who won't be able to afford their mortgage.","start":1170.085,"end":1186.99,"sentiment":"negative","sentiment_score":-0.4261074794663323},{"text":"I","start":1186.99,"end":1187.1499,"sentiment":"neutral","sentiment_score":-0.2601393759250641}],"sentiment":"negative","sentiment_score":-0.41397905238765353,"channel":1,"num_words":47,"start":1169.6849,"end":1187.1499},{"sentences":[{"text":"Yeah.","start":1187.0751,"end":1187.5751,"sentiment":"neutral","sentiment_score":-0.2169703096151352}],"sentiment":"neutral","sentiment_score":-0.2169703096151352,"channel":0,"num_words":1,"start":1187.0751,"end":1187.5751},{"sentences":[{"text":"my gut feeling is that we we've probably seen the peak property prices.","start":1187.23,"end":1190.85,"sentiment":"neutral","sentiment_score":-0.26527216801276576},{"text":"I just think that I just think","start":1192.5651,"end":1193.845,"sentiment":"neutral","sentiment_score":-0.24101239442825317}],"sentiment":"neutral","sentiment_score":-0.25678124725818635,"channel":1,"num_words":20,"start":1187.23,"end":1193.845},{"sentences":[{"text":"Yeah.","start":1193.67,"end":1194.17,"sentiment":"negative","sentiment_score":-0.3401104211807251}],"sentiment":"negative","sentiment_score":-0.3401104211807251,"channel":0,"num_words":1,"start":1193.67,"end":1194.17},{"sentences":[{"text":"that can drop.","start":1193.845,"end":1194.5851,"sentiment":"negative","sentiment_score":-0.5126674274603525},{"text":"So I don't know.","start":1195.285,"end":1196.725,"sentiment":"neutral","sentiment_score":-0.3031858131289482},{"text":"I mean,","start":1196.725,"end":1197.045,"sentiment":"neutral","sentiment_score":-0.15056006610393524}],"sentiment":"negative","sentiment_score":-0.33909618523385787,"channel":1,"num_words":9,"start":1193.845,"end":1197.045},{"sentences":[{"text":"Yeah.","start":1196.87,"end":1197.37,"sentiment":"neutral","sentiment_score":-0.1541658192873001}],"sentiment":"neutral","sentiment_score":-0.1541658192873001,"channel":0,"num_words":1,"start":1196.87,"end":1197.37},{"sentences":[{"text":"it's it's not you never you can't really speculate on these things, but yeah.","start":1197.045,"end":1201.235,"sentiment":"neutral","sentiment_score":-0.23031260073184967}],"sentiment":"neutral","sentiment_score":-0.23031260073184967,"channel":1,"num_words":14,"start":1197.045,"end":1201.235},{"sentences":[{"text":"No.","start":1202.225,"end":1202.705,"sentiment":"neutral","sentiment_score":-0.24029316008090973},{"text":"Completely understandable.","start":1202.705,"end":1203.845,"sentiment":"neutral","sentiment_score":-0.170439675450325},{"text":"The other thing that we'll be changing down the track is the bank hybrid.","start":1204.465,"end":1207.6649,"sentiment":"neutral","sentiment_score":0.08844301264200892},{"text":"So these are the defensive investment.","start":1207.6649,"end":1209.505,"sentiment":"neutral","sentiment_score":0.08490447700023651},{"text":"I'm more of a complex investment.","start":1209.505,"end":1211.205,"sentiment":"neutral","sentiment_score":-0.030719967558979988}],"sentiment":"neutral","sentiment_score":0.0338667835397967,"channel":0,"num_words":29,"start":1202.225,"end":1211.205},{"sentences":[{"text":"The bank the government has come out earlier this year saying they are gonna look at phasing those sorts of investments up down the track.","start":1211.825,"end":1219.14,"sentiment":"neutral","sentiment_score":0.04599563390016556},{"text":"They are trying to streamline and make investment products a little bit easier for the average everyday Australian to understand, and big hybrids are a little bit like bonds and a little bit like shares.","start":1219.2,"end":1229.525,"sentiment":"neutral","sentiment_score":0.15688199145453316},{"text":"They're kind of a combat hybrid investment where they","start":1229.525,"end":1232.0851,"sentiment":"neutral","sentiment_score":0.032242146217160754}],"sentiment":"neutral","sentiment_score":0.10044840383140938,"channel":0,"num_words":69,"start":1211.825,"end":1232.0851},{"sentences":[{"text":"Yeah.","start":1232.0951,"end":1232.5951,"sentiment":"neutral","sentiment_score":0.03204111382365227}],"sentiment":"neutral","sentiment_score":0.03204111382365227,"channel":1,"num_words":1,"start":1232.0951,"end":1232.5951},{"sentences":[{"text":"you're basically","start":1232.645,"end":1233.285,"sentiment":"neutral","sentiment_score":0.02042004093527794}],"sentiment":"neutral","sentiment_score":0.02042004093527794,"channel":0,"num_words":2,"start":1232.645,"end":1233.285},{"sentences":[{"text":"Yeah.","start":1232.89,"end":1233.39,"sentiment":"neutral","sentiment_score":0.026367312297225}],"sentiment":"neutral","sentiment_score":0.026367312297225,"channel":1,"num_words":1,"start":1232.89,"end":1233.39},{"sentences":[{"text":"putting money into the banks and getting an income back, but they're also tradable and grow like shares.","start":1233.285,"end":1238.5651,"sentiment":"neutral","sentiment_score":0.045863314221302666},{"text":"So they are very complex.","start":1238.5651,"end":1240.745,"sentiment":"neutral","sentiment_score":-0.0805308073759079},{"text":"They can be, but they're more defensive to the low risk because they tend to get a low rate of return, but there is still a risk factor with them.","start":1240.805,"end":1248.48,"sentiment":"neutral","sentiment_score":-0.07076163714130719},{"text":"If you sort of think back to the DFC where, you know, banks were building these different hybrid products, They work really well for a period of time, but then they do also have that downside to them.","start":1248.48,"end":1259.3049,"sentiment":"neutral","sentiment_score":-0.1847260865922037}],"sentiment":"neutral","sentiment_score":-0.09581928335867085,"channel":0,"num_words":91,"start":1233.285,"end":1259.3049},{"sentences":[{"text":"Yeah,","start":1259.1849,"end":1259.425,"sentiment":"neutral","sentiment_score":-0.24277694523334503}],"sentiment":"neutral","sentiment_score":-0.24277694523334503,"channel":1,"num_words":1,"start":1259.1849,"end":1259.425},{"sentences":[{"text":"And,","start":1259.3049,"end":1259.625,"sentiment":"neutral","sentiment_score":-0.2571875751018524}],"sentiment":"neutral","sentiment_score":-0.2571875751018524,"channel":0,"num_words":1,"start":1259.3049,"end":1259.625},{"sentences":[{"text":"ma'am.","start":1259.425,"end":1259.925,"sentiment":"neutral","sentiment_score":-0.200238436460495}],"sentiment":"neutral","sentiment_score":-0.200238436460495,"channel":1,"num_words":1,"start":1259.425,"end":1259.925},{"sentences":[{"text":"you know, if banks tend to go fast, so if things have a, like, the DFC, then these sorts of investments can also have a very high risk component with them.","start":1259.625,"end":1268.24,"sentiment":"negative","sentiment_score":-0.3648287961559911},{"text":"So I'd probably like to go back, reevaluate that, and because that does have to be removed out of the portfolio eventually, we could look at maybe updating that now for you, making some changes now.","start":1268.24,"end":1279.12,"sentiment":"neutral","sentiment_score":-0.131219527994593},{"text":"That way, over the next couple of years, we hopefully won't have to make such big changes, and that allows the portfolio to compound a little bit better for you.","start":1279.12,"end":1287.7251,"sentiment":"positive","sentiment_score":0.37191142290830614},{"text":"How does that sound?","start":1287.7251,"end":1288.7051,"sentiment":"neutral","sentiment_score":0.19117479771375656}],"sentiment":"neutral","sentiment_score":-0.0407084535696719,"channel":0,"num_words":101,"start":1259.625,"end":1288.7051},{"sentences":[{"text":"Yep.","start":1289.36,"end":1289.6,"sentiment":"neutral","sentiment_score":0.2904638946056366},{"text":"That sounds great.","start":1289.6,"end":1290.6599,"sentiment":"positive","sentiment_score":0.6283047993977865}],"sentiment":"positive","sentiment_score":0.543844573199749,"channel":1,"num_words":4,"start":1289.36,"end":1290.6599},{"sentences":[{"text":"Yep.","start":1291.645,"end":1292.045,"sentiment":"positive","sentiment_score":0.4122567176818848},{"text":"Beautiful.","start":1292.045,"end":1292.545,"sentiment":"positive","sentiment_score":0.6413235664367676},{"text":"The other thing to sort of think about is when Tommy did the advice last year, he was recommending to replace the banner long Australian equity with a with a fund called Alfiniti.","start":1293.165,"end":1302.31,"sentiment":"neutral","sentiment_score":0.058788024227727546},{"text":"It is an actively made fund there as well.","start":1303.17,"end":1306.05,"sentiment":"neutral","sentiment_score":0.09943979192111227},{"text":"When you tend to have these sorts of active managers within your portfolio, you do pay a little bit more in the way of fees for those sorts of things.","start":1306.05,"end":1313.2151,"sentiment":"neutral","sentiment_score":0.09453883816798528}],"sentiment":"neutral","sentiment_score":0.09087443724274635,"channel":0,"num_words":74,"start":1291.645,"end":1313.2151},{"sentences":[{"text":"If you want me to sort of keep that active management in there, active managers are trying to outperform against the market.","start":1313.2151,"end":1319.6951,"sentiment":"neutral","sentiment_score":0.20529790764505212},{"text":"There's definitely no guarantees they're going to.","start":1319.6951,"end":1322.1951,"sentiment":"neutral","sentiment_score":0.07822724697845322},{"text":"And as I said, you do pay a little bit more for that.","start":1322.76,"end":1325.26,"sentiment":"neutral","sentiment_score":0.11875045586090821},{"text":"Or I can sort of get that the portfolio to make it more passively managed, make it, you know, more ETF, market tracking, and make it more lower cost for you.","start":1325.48,"end":1335.48,"sentiment":"neutral","sentiment_score":0.16815756693963083},{"text":"So fees so more money's left in your portfolio working part of the you.","start":1335.48,"end":1339.725,"sentiment":"neutral","sentiment_score":0.19451357211385453}],"sentiment":"neutral","sentiment_score":0.1671721288270649,"channel":0,"num_words":87,"start":1313.2151,"end":1339.725},{"sentences":[{"text":"Would you like to have that active management side, or would you like to just focus on low cost in your portfolio?","start":1339.865,"end":1345.645,"sentiment":"neutral","sentiment_score":0.08302862231026996},{"text":"What's more important to you?","start":1345.705,"end":1347.245,"sentiment":"neutral","sentiment_score":0.0369204580783844}],"sentiment":"neutral","sentiment_score":0.0744900733784393,"channel":0,"num_words":27,"start":1339.865,"end":1347.245},{"sentences":[{"text":"What what's more important is is the highest return.","start":1349.5801,"end":1352.7201,"sentiment":"neutral","sentiment_score":0.07851761372552978}],"sentiment":"neutral","sentiment_score":0.07851761372552978,"channel":1,"num_words":9,"start":1349.5801,"end":1352.7201},{"sentences":[{"text":"Mhmm.","start":1354.27,"end":1354.77,"sentiment":"neutral","sentiment_score":-0.0002264687791466713}],"sentiment":"neutral","sentiment_score":-0.0002264687791466713,"channel":0,"num_words":1,"start":1354.27,"end":1354.77},{"sentences":[{"text":"So so I don't know.","start":1354.285,"end":1356.765,"sentiment":"neutral","sentiment_score":-0.031427831202745435},{"text":"What what's your advice?","start":1356.765,"end":1358.145,"sentiment":"neutral","sentiment_score":-0.04356494452804327}],"sentiment":"neutral","sentiment_score":-0.036822103791766696,"channel":1,"num_words":9,"start":1354.285,"end":1358.145},{"sentences":[{"text":"Well, realistically, with where you are, you've got about twelve years before you're able to access super at this point.","start":1359.55,"end":1365.795,"sentiment":"neutral","sentiment_score":0.010963409405667335},{"text":"So focus on","start":1365.875,"end":1366.5951,"sentiment":"neutral","sentiment_score":0.01721043822666009}],"sentiment":"neutral","sentiment_score":0.011778239251883782,"channel":0,"num_words":23,"start":1359.55,"end":1366.5951},{"sentences":[{"text":"Yeah.","start":1366.525,"end":1366.95,"sentiment":"neutral","sentiment_score":0.02204851061105728}],"sentiment":"neutral","sentiment_score":0.02204851061105728,"channel":1,"num_words":1,"start":1366.525,"end":1366.95},{"sentences":[{"text":"your birthdays coming up in the next few days there.","start":1366.5951,"end":1369.0951,"sentiment":"neutral","sentiment_score":0.019577060267329215}],"sentiment":"neutral","sentiment_score":0.019577060267329215,"channel":0,"num_words":10,"start":1366.5951,"end":1369.0951},{"sentences":[{"text":"Yeah.","start":1369.59,"end":1369.75,"sentiment":"neutral","sentiment_score":0.03734925389289856},{"text":"Yeah.","start":1369.75,"end":1370.25,"sentiment":"neutral","sentiment_score":0.0436396524310112}],"sentiment":"neutral","sentiment_score":0.04049445316195488,"channel":1,"num_words":2,"start":1369.59,"end":1370.25},{"sentences":[{"text":"Essentially, with where you are, you you are young enough to take on a little bit more risk in the market to have those active managers in there.","start":1369.795,"end":1376.675,"sentiment":"neutral","sentiment_score":0.053812693671456406},{"text":"That's absolutely fine.","start":1376.675,"end":1378.2151,"sentiment":"neutral","sentiment_score":0.283190776904424},{"text":"I can look at a portfolio which maybe has a little bit of active management in it, is still low cost, is still ETF and easily accessible, and doesn't have anything like analog in it.","start":1379.07,"end":1394.5149,"sentiment":"neutral","sentiment_score":0.18101278160299575},{"text":"Would you like","start":1394.575,"end":1395.0549,"sentiment":"neutral","sentiment_score":0.0861840546131134}],"sentiment":"neutral","sentiment_score":0.12971488802113396,"channel":0,"num_words":69,"start":1369.795,"end":1395.0549},{"sentences":[{"text":"Yeah.","start":1395.05,"end":1395.55,"sentiment":"neutral","sentiment_score":0.13282789289951324}],"sentiment":"neutral","sentiment_score":0.13282789289951324,"channel":1,"num_words":1,"start":1395.05,"end":1395.55},{"sentences":[{"text":"me to sort of look at I can look at the best of both worlds and sort of allocate that for you if that would work for you.","start":1395.0549,"end":1401.075,"sentiment":"neutral","sentiment_score":0.21730358260018484}],"sentiment":"neutral","sentiment_score":0.21730358260018484,"channel":0,"num_words":28,"start":1395.0549,"end":1401.075},{"sentences":[{"text":"That would be great.","start":1401.37,"end":1402.3301,"sentiment":"positive","sentiment_score":0.639039471745491},{"text":"Thank you.","start":1402.3301,"end":1403.0701,"sentiment":"positive","sentiment_score":0.580011248588562}],"sentiment":"positive","sentiment_score":0.619363397359848,"channel":1,"num_words":6,"start":1401.37,"end":1403.0701},{"sentences":[{"text":"Yes.","start":1403.7749,"end":1404.095,"sentiment":"neutral","sentiment_score":0.20056770741939545},{"text":"That's okay.","start":1404.095,"end":1404.995,"sentiment":"neutral","sentiment_score":0.12485577166080475},{"text":"I know I bet you a lot, and this has been probably not the conversation you thought it was gonna be today.","start":1405.41,"end":1410.61,"sentiment":"neutral","sentiment_score":-0.08186405372213233},{"text":"But do you have any questions for me at the moment?","start":1410.61,"end":1413.25,"sentiment":"neutral","sentiment_score":0.013292795893820849},{"text":"Anything that you want me to kind of reflect on or anything that you might want me to touch on that I haven't yet?","start":1413.25,"end":1419.1901,"sentiment":"neutral","sentiment_score":0.004065905464813113}],"sentiment":"neutral","sentiment_score":-0.018448790752639374,"channel":0,"num_words":60,"start":1403.7749,"end":1419.1901},{"sentences":[{"text":"No.","start":1420.98,"end":1421.3,"sentiment":"neutral","sentiment_score":-0.3114718794822693},{"text":"I think I think if I look at look.","start":1421.3,"end":1422.8201,"sentiment":"neutral","sentiment_score":-0.2694193290339576},{"text":"If I look at the portfolio now, obviously, the, you know, the property and Benland Benland is really underperforming.","start":1422.8201,"end":1427.8,"sentiment":"negative","sentiment_score":-0.38680537672419296},{"text":"Property is underperforming.","start":1428.42,"end":1429.54,"sentiment":"negative","sentiment_score":-0.5239834785461426}],"sentiment":"negative","sentiment_score":-0.36429682606831193,"channel":1,"num_words":32,"start":1420.98,"end":1429.54},{"sentences":[{"text":"Yes.","start":1429.285,"end":1429.785,"sentiment":"neutral","sentiment_score":-0.0965118333697319}],"sentiment":"neutral","sentiment_score":-0.0965118333697319,"channel":0,"num_words":1,"start":1429.285,"end":1429.785},{"sentences":[{"text":"I mean, it's like the the combined ETF units are low.","start":1429.54,"end":1434.8251,"sentiment":"neutral","sentiment_score":-0.07162652520293539},{"text":"I mean, the the S and P 500 is not too bad.","start":1434.8251,"end":1437.305,"sentiment":"neutral","sentiment_score":0.0509813983614246},{"text":"I I mean, things are performing okay.","start":1437.305,"end":1440.665,"sentiment":"neutral","sentiment_score":0.07963922140853745},{"text":"Just those two outliers, really.","start":1440.665,"end":1442.4451,"sentiment":"neutral","sentiment_score":-0.1951207250356674}],"sentiment":"neutral","sentiment_score":-0.01697840206325054,"channel":1,"num_words":35,"start":1429.54,"end":1442.4451},{"sentences":[{"text":"Mhmm.","start":1443.0599,"end":1443.22,"sentiment":"neutral","sentiment_score":0.0033440017141401768},{"text":"Yeah.","start":1443.22,"end":1443.7,"sentiment":"neutral","sentiment_score":0.063359834253788},{"text":"Correct.","start":1443.7,"end":1444.2,"sentiment":"neutral","sentiment_score":0.17534546554088593},{"text":"Absolutely.","start":1444.26,"end":1444.76,"sentiment":"neutral","sentiment_score":0.3245289921760559},{"text":"Absolutely.","start":1445.14,"end":1445.64,"sentiment":"neutral","sentiment_score":0.3105650544166565}],"sentiment":"neutral","sentiment_score":0.1754286696203053,"channel":0,"num_words":5,"start":1443.0599,"end":1445.64},{"sentences":[{"text":"And if you look at the next page there, with your portfolio as a total net of fees, it is has performed about eight point sorry.","start":1446.065,"end":1453.265,"sentiment":"neutral","sentiment_score":0.09277635554854687},{"text":"4.83% after fees.","start":1453.265,"end":1455.265,"sentiment":"neutral","sentiment_score":0.024161335080862045},{"text":"It's after admin fees, out fees, everything.","start":1455.265,"end":1457.6849,"sentiment":"neutral","sentiment_score":0.03203814862562077},{"text":"But that 4% of your portfolio over the past twelve months has averaged you 30,153 in dollar figures.","start":1458.32,"end":1465.38,"sentiment":"neutral","sentiment_score":0.06015083587004079},{"text":"So whilst it is still a good good dollar figure, it is a low net return for the year.","start":1465.44,"end":1471.165,"sentiment":"neutral","sentiment_score":-0.08430918070830797}],"sentiment":"neutral","sentiment_score":0.029996943864205927,"channel":0,"num_words":73,"start":1446.065,"end":1471.165},{"sentences":[{"text":"Yeah.","start":1471.055,"end":1471.555,"sentiment":"neutral","sentiment_score":-0.034927479922771454}],"sentiment":"neutral","sentiment_score":-0.034927479922771454,"channel":1,"num_words":1,"start":1471.055,"end":1471.555},{"sentences":[{"text":"A lot of it","start":1471.165,"end":1471.7251,"sentiment":"neutral","sentiment_score":-0.11847700364887714}],"sentiment":"neutral","sentiment_score":-0.11847700364887714,"channel":0,"num_words":4,"start":1471.165,"end":1471.7251},{"sentences":[{"text":"Yep.","start":1471.615,"end":1472.115,"sentiment":"neutral","sentiment_score":-0.07592722028493881}],"sentiment":"neutral","sentiment_score":-0.07592722028493881,"channel":1,"num_words":1,"start":1471.615,"end":1472.115},{"sentences":[{"text":"is held back because of that banner long, and I do kinda wanna build on that.","start":1471.7251,"end":1476.4451,"sentiment":"neutral","sentiment_score":-0.07845469377934933},{"text":"But it would have been good to see a much greater return there and see definitely a higher earning figure because it sort of shows what your portfolio can do if it was sort of set up correctly, essentially.","start":1476.4451,"end":1487.04,"sentiment":"neutral","sentiment_score":0.2871611741108772}],"sentiment":"neutral","sentiment_score":0.18080019436099312,"channel":0,"num_words":55,"start":1471.7251,"end":1487.04},{"sentences":[{"text":"And what was the return","start":1487.8,"end":1489.02,"sentiment":"neutral","sentiment_score":0.004603463411331177}],"sentiment":"neutral","sentiment_score":0.004603463411331177,"channel":1,"num_words":5,"start":1487.8,"end":1489.02},{"sentences":[{"text":"But 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in the 2025 annual review, the return there was 12.54%.","start":1507.115,"end":1512.495,"sentiment":"neutral","sentiment_score":0.03106653927402063}],"sentiment":"neutral","sentiment_score":0.03231459069583151,"channel":0,"num_words":27,"start":1492.78,"end":1512.495},{"sentences":[{"text":"Yeah.","start":1513.5599,"end":1513.8799,"sentiment":"neutral","sentiment_score":0.06159809231758118},{"text":"Okay.","start":1513.8799,"end":1514.12,"sentiment":"neutral","sentiment_score":0.06089542806148529},{"text":"So it's much higher.","start":1514.12,"end":1515.2599,"sentiment":"neutral","sentiment_score":0.10037801042199135}],"sentiment":"neutral","sentiment_score":0.08733426034450531,"channel":1,"num_words":6,"start":1513.5599,"end":1515.2599},{"sentences":[{"text":"It was much 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questions.","start":1604.865,"end":1605.745,"sentiment":"neutral","sentiment_score":-0.07455579439798991},{"text":"Thanks.","start":1605.745,"end":1606.245,"sentiment":"neutral","sentiment_score":0.06734074652194977}],"sentiment":"neutral","sentiment_score":-0.03602652298286557,"channel":1,"num_words":6,"start":1604.385,"end":1606.245},{"sentences":[{"text":"that's okay.","start":1606.78,"end":1607.66,"sentiment":"neutral","sentiment_score":0.1421944573521614},{"text":"Beautiful.","start":1607.66,"end":1608.16,"sentiment":"positive","sentiment_score":0.4171687364578247},{"text":"Thank you so much for going through that with me.","start":1608.2999,"end":1610.685,"sentiment":"positive","sentiment_score":0.4902350515127182},{"text":"The next document attached are the the we've got the sorry.","start":1611.165,"end":1615.2451,"sentiment":"neutral","sentiment_score":0.05284340103918856},{"text":"The Vanguard index chart there for you.","start":1615.2451,"end":1617.405,"sentiment":"neutral","sentiment_score":0.03761046486241477}],"sentiment":"neutral","sentiment_score":0.20801480102442926,"channel":0,"num_words":31,"start":1606.78,"end":1617.405},{"sentences":[{"text":"That's essentially a bit of a a guide showing you how markets react over time.","start":1617.405,"end":1621.7451,"sentiment":"neutral","sentiment_score":0.06832966804504395},{"text":"I believe you have a shared portfolio in your own name as well.","start":1621.885,"end":1625.005,"sentiment":"neutral","sentiment_score":0.06642498219242463},{"text":"Is that right?","start":1625.005,"end":1625.8251,"sentiment":"neutral","sentiment_score":0.07623596489429474}],"sentiment":"neutral","sentiment_score":0.06829605431806657,"channel":0,"num_words":31,"start":1617.405,"end":1625.8251},{"sentences":[{"text":"I do.","start":1626.745,"end":1627.305,"sentiment":"neutral","sentiment_score":0.06951787695288658},{"text":"Yeah.","start":1627.305,"end":1627.805,"sentiment":"neutral","sentiment_score":0.03784743696451187}],"sentiment":"neutral","sentiment_score":0.058961063623428345,"channel":1,"num_words":3,"start":1626.745,"end":1627.805},{"sentences":[{"text":"Yeah.","start":1628.97,"end":1629.2899,"sentiment":"neutral","sentiment_score":0.036013804376125336},{"text":"Yeah.","start":1629.2899,"end":1629.69,"sentiment":"neutral","sentiment_score":0.034072116017341614},{"text":"Value we had on that was about a 100,000 last year.","start":1629.69,"end":1632.57,"sentiment":"neutral","sentiment_score":0.03305755352432078},{"text":"Has that increased in value recently?","start":1632.57,"end":1634.41,"sentiment":"neutral","sentiment_score":0.03147335288425287},{"text":"Is that a bit higher at the moment?","start":1634.41,"end":1636.03,"sentiment":"neutral","sentiment_score":-0.004197139060124755}],"sentiment":"neutral","sentiment_score":0.02181414866613017,"channel":0,"num_words":27,"start":1628.97,"end":1636.03},{"sentences":[{"text":"I think it's I think it's about 80,000, because I've been I've been spending shares.","start":1637.7051,"end":1642.88,"sentiment":"neutral","sentiment_score":0.014958193075532715},{"text":"So it's just one share type.","start":1642.88,"end":1644.4199,"sentiment":"neutral","sentiment_score":0.02270307547102372},{"text":"And 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gifted, like, $2.","start":1654.4249,"end":1655.865,"sentiment":"positive","sentiment_score":0.3644111193716526},{"text":"Now they're worth, like, $8.","start":1655.865,"end":1658.0249,"sentiment":"neutral","sentiment_score":0.32002472281455996},{"text":"So it's every time I sell them, I get a hit","start":1658.0249,"end":1660.6649,"sentiment":"positive","sentiment_score":0.33606157248670404}],"sentiment":"positive","sentiment_score":0.33772226944565775,"channel":1,"num_words":20,"start":1654.4249,"end":1660.6649},{"sentences":[{"text":"Yep.","start":1660.46,"end":1660.96,"sentiment":"neutral","sentiment_score":0.20574840903282168}],"sentiment":"neutral","sentiment_score":0.20574840903282168,"channel":0,"num_words":1,"start":1660.46,"end":1660.96},{"sentences":[{"text":"at tax 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about","start":1684.1849,"end":1685.725,"sentiment":"neutral","sentiment_score":-0.036434880058680265}],"sentiment":"neutral","sentiment_score":-0.1128124900860712,"channel":1,"num_words":16,"start":1681.625,"end":1685.725},{"sentences":[{"text":"Yes.","start":1685.4199,"end":1685.9199,"sentiment":"neutral","sentiment_score":0.014175225980579851}],"sentiment":"neutral","sentiment_score":0.014175225980579851,"channel":0,"num_words":1,"start":1685.4199,"end":1685.9199},{"sentences":[{"text":"about, I think, 3 to 4,000 in dividends each year.","start":1686.1849,"end":1689.625,"sentiment":"neutral","sentiment_score":0.006444431096315384},{"text":"So I was kinda","start":1689.625,"end":1690.2649,"sentiment":"neutral","sentiment_score":-0.02411734126508236}],"sentiment":"neutral","sentiment_score":-0.0022875038640839712,"channel":1,"num_words":14,"start":1686.1849,"end":1690.2649},{"sentences":[{"text":"K.","start":1689.98,"end":1690.48,"sentiment":"neutral","sentiment_score":-0.03164272755384445}],"sentiment":"neutral","sentiment_score":-0.03164272755384445,"channel":0,"num_words":1,"start":1689.98,"end":1690.48},{"sentences":[{"text":"like, you know what I 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it.","start":1767.38,"end":1771.5599,"sentiment":"neutral","sentiment_score":0.16118971879283586}],"sentiment":"neutral","sentiment_score":0.17726827157955422,"channel":0,"num_words":38,"start":1759.945,"end":1771.5599},{"sentences":[{"text":"Tommy, myself, all the other advisers, we are, like, noted in here with a lovely glossy photo, a bit of information on us, but also what's important is our licensing information.","start":1772.1799,"end":1781.0599,"sentiment":"neutral","sentiment_score":0.1791777440136479},{"text":"So we are full licensed advisers, or we're all registered through ASIC, and all that information is in here for you should you wanna go to and have a bit of a read of that.","start":1781.0599,"end":1790.645,"sentiment":"neutral","sentiment_score":0.17030460621629442},{"text":"It does also update all about changes in the business and things like that.","start":1790.645,"end":1795.4651,"sentiment":"neutral","sentiment_score":0.0778953664536987},{"text":"Having a look at the next document is the ongoing service agreement for the next twelve months there.","start":1796.2101,"end":1802.4501,"sentiment":"neutral","sentiment_score":0.005180736900203758},{"text":"So, obviously, I wanted to stand up and let you know there have been some things that have gone wrong this year.","start":1802.4501,"end":1807.665,"sentiment":"neutral","sentiment_score":-0.17432633618062193}],"sentiment":"neutral","sentiment_score":0.07386483567145964,"channel":0,"num_words":120,"start":1772.1799,"end":1807.665},{"sentences":[{"text":"It's, you know, not something I'm very happy about.","start":1808.0651,"end":1810.2251,"sentiment":"negative","sentiment_score":-0.4893525375260247},{"text":"I wanna go back and make sure that the team look after that for you.","start":1810.2251,"end":1813.8451,"sentiment":"neutral","sentiment_score":-0.17910136928160986},{"text":"We do have to you know, if you wanna stay on board the next twelve months, go through and just resign the ongoing service 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newsletter?","start":1959.89,"end":1962.21,"sentiment":"neutral","sentiment_score":0.06790975170830886},{"text":"Did you have it read through it at all?","start":1962.21,"end":1963.99,"sentiment":"neutral","sentiment_score":0.05269971448514196}],"sentiment":"neutral","sentiment_score":0.12733026696068625,"channel":0,"num_words":62,"start":1947.715,"end":1963.99},{"sentences":[{"text":"I I didn't rate it.","start":1964.75,"end":1966.03,"sentiment":"neutral","sentiment_score":-0.3007934868335724},{"text":"No.","start":1966.03,"end":1966.53,"sentiment":"neutral","sentiment_score":-0.23096437752246857},{"text":"No.","start":1966.75,"end":1967.25,"sentiment":"neutral","sentiment_score":-0.2042231261730194}],"sentiment":"neutral","sentiment_score":-0.27702213398047854,"channel":1,"num_words":7,"start":1964.75,"end":1967.25},{"sentences":[{"text":"No.","start":1968.53,"end":1968.77,"sentiment":"neutral","sentiment_score":-0.18112996220588684},{"text":"That's okay.","start":1968.77,"end":1969.67,"sentiment":"neutral","sentiment_score":0.027999198529869318},{"text":"It is in the financial service guide that I've got here for you as well.","start":1970.05,"end":1973.735,"sentiment":"neutral","sentiment_score":0.13113310287396113},{"text":"So before you sign those documents, if you wanted to take some time to have a read through that one, let me know if you do happen to have any questions.","start":1973.735,"end":1979.755,"sentiment":"neutral","sentiment_score":0.06894375383853912},{"text":"The main reason for changing, obviously, the fee structure is that the cost of everything advice the or just based around what we do.","start":1980.375,"end":1987.1399,"sentiment":"neutral","sentiment_score":-0.06990774208679795}],"sentiment":"neutral","sentiment_score":0.031525144340751106,"channel":0,"num_words":73,"start":1968.53,"end":1987.1399},{"sentences":[{"text":"A lot of that has changed over the past couple of years, and we've never changed that fee structure.","start":1987.1399,"end":1991.38,"sentiment":"neutral","sentiment_score":-0.06459565401861542},{"text":"It's always been exactly the same.","start":1991.38,"end":1993.1399,"sentiment":"neutral","sentiment_score":0.0276825912296772},{"text":"So we wanted to make it a little bit more client friendly.","start":1993.1399,"end":1997.5599,"sentiment":"neutral","sentiment_score":0.23371795130272707},{"text":"So it does mean that as your super balance increases over time, you drop into the next tier down, which reduces the percentage which you're paying on your fees.","start":1997.94,"end":2006.465,"sentiment":"neutral","sentiment_score":0.20865246396640252},{"text":"It does also mean that instead of capping our fees at 600,000 moving forward, they're capped at 2,000,000.","start":2006.845,"end":2012.5249,"sentiment":"neutral","sentiment_score":0.1486055681274997}],"sentiment":"neutral","sentiment_score":0.12463351449973527,"channel":0,"num_words":84,"start":1987.1399,"end":2012.5249},{"sentences":[{"text":"So by reducing the overall percentage each fee over the longer term as your balance grows, you'll pay a little bit more for our services, but the percentage you pay that on is decreased as your balance increases.","start":2012.5249,"end":2026.07,"sentiment":"neutral","sentiment_score":0.16871172777916255},{"text":"So it's about making sure that growth is still occurring.","start":2026.13,"end":2029.535,"sentiment":"neutral","sentiment_score":0.2222434788942337},{"text":"And by having a set dollar figure noted out, it's giving you more certainty around what our what the fees are for our services that year so that you're not, you know, estimating what it could be depending on market change is essentially is is designed to give you more clarity around that, but make sure that we're being remunerated for our services because of a lot of what we do behind the scenes.","start":2029.835,"end":2051.39,"sentiment":"neutral","sentiment_score":0.19171190362524343},{"text":"The advice we do provide, all that is included in our ongoing service fee.","start":2051.45,"end":2055.21,"sentiment":"neutral","sentiment_score":0.23206460582358496},{"text":"We don't charge additional implementation fees for advice around super and insurances and things like that.","start":2055.21,"end":2060.915,"sentiment":"neutral","sentiment_score":0.10963470349088311}],"sentiment":"neutral","sentiment_score":0.18304750690922925,"channel":0,"num_words":152,"start":2012.5249,"end":2060.915},{"sentences":[{"text":"So it's about making sure that it's all incorporated correctly, and the cost of everything has increased.","start":2060.915,"end":2066.195,"sentiment":"neutral","sentiment_score":0.10582173834828769},{"text":"The cost of living has increased.","start":2066.195,"end":2067.7952,"sentiment":"neutral","sentiment_score":-0.16505014896392822},{"text":"The cost of running a business and providing advice has also increased as well.","start":2067.7952,"end":2072.435,"sentiment":"neutral","sentiment_score":-0.06617003572838646},{"text":"So I just wanted to clarify that for you and make sure you have all that information.","start":2072.435,"end":2076.84,"sentiment":"neutral","sentiment_score":0.2186125354731784},{"text":"And the ongoing the financial services guide has a nice big breakdown of that for you for you to run your eyes over as well.","start":2077.46,"end":2084.4202,"sentiment":"positive","sentiment_score":0.4822497820854187}],"sentiment":"neutral","sentiment_score":0.19816387105214445,"channel":0,"num_words":79,"start":2060.915,"end":2084.4202},{"sentences":[{"text":"If you find you have any questions, you're welcome to let me know.","start":2084.4202,"end":2087.275,"sentiment":"positive","sentiment_score":0.37940625502513003},{"text":"Does that make sense?","start":2087.275,"end":2088.075,"sentiment":"neutral","sentiment_score":0.31643426418304443},{"text":"And do you have any additional questions on that at all?","start":2088.075,"end":2090.575,"sentiment":"neutral","sentiment_score":0.1453029750422998}],"sentiment":"neutral","sentiment_score":0.2784411106258631,"channel":0,"num_words":28,"start":2084.4202,"end":2090.575},{"sentences":[{"text":"I don't know.","start":2091.095,"end":2092.155,"sentiment":"neutral","sentiment_score":-0.11828410377105077}],"sentiment":"neutral","sentiment_score":-0.11828410377105077,"channel":1,"num_words":3,"start":2091.095,"end":2092.155},{"sentences":[{"text":"No?","start":2094.315,"end":2094.635,"sentiment":"neutral","sentiment_score":-0.1940847933292389},{"text":"That's okay.","start":2094.635,"end":2095.515,"sentiment":"neutral","sentiment_score":-0.03405566327273846},{"text":"Forward?","start":2095.515,"end":2096.015,"sentiment":"neutral","sentiment_score":-0.010459834709763529},{"text":"Beautiful.","start":2096.235,"end":2096.735,"sentiment":"positive","sentiment_score":0.7647542953491211},{"text":"You'll be able to take that back and have a look at the documents prior to signing onboard.","start":2097.195,"end":2101.38,"sentiment":"positive","sentiment_score":0.47306832008891636}],"sentiment":"positive","sentiment_score":0.39162296097239724,"channel":0,"num_words":23,"start":2094.315,"end":2101.38},{"sentences":[{"text":"I'll go back and see if I've seen your management team, get the remuneration side of things in place, and then I'll also get it back and update the advice for you, reassess everything.","start":2101.6,"end":2109.94,"sentiment":"neutral","sentiment_score":0.27484194978195076},{"text":"As I kinda mentioned, the last document in there is the third party authority for CareSuper.","start":2111.36,"end":2116.865,"sentiment":"neutral","sentiment_score":0.06578466366045177},{"text":"We do need to have a new one signed to be able to do the research around the balance you have, the insurance within there for you, and also how things are invested.","start":2117.5652,"end":2126.145,"sentiment":"neutral","sentiment_score":0.11711288390286041},{"text":"We'll go back and research all of that once that document comes back, and we're able to apply that to the account so that we can kind of update the advice for you and have it all reflective and also get the remuneration sorted for you nice and quickly.","start":2126.79,"end":2141.1301,"sentiment":"neutral","sentiment_score":0.30204253811009074},{"text":"Okay?","start":2141.43,"end":2141.93,"sentiment":"neutral","sentiment_score":0.08476392179727554}],"sentiment":"neutral","sentiment_score":0.21914852909127572,"channel":0,"num_words":133,"start":2101.6,"end":2141.93},{"sentences":[{"text":"Okay.","start":2142.64,"end":2143.1199,"sentiment":"neutral","sentiment_score":0.06705744564533234},{"text":"So should I sign this document now knowing that you'll be looking at remediation","start":2143.1199,"end":2148.665,"sentiment":"neutral","sentiment_score":0.04174034031374114}],"sentiment":"neutral","sentiment_score":0.04342814733584722,"channel":1,"num_words":15,"start":2142.64,"end":2148.665},{"sentences":[{"text":"Is","start":2148.605,"end":2148.845,"sentiment":"neutral","sentiment_score":0.002571048215031624}],"sentiment":"neutral","sentiment_score":0.002571048215031624,"channel":0,"num_words":1,"start":2148.605,"end":2148.845},{"sentences":[{"text":"and","start":2148.805,"end":2149.125,"sentiment":"neutral","sentiment_score":0.019457027316093445}],"sentiment":"neutral","sentiment_score":0.019457027316093445,"channel":1,"num_words":1,"start":2148.805,"end":2149.125},{"sentences":[{"text":"that","start":2148.845,"end":2149.345,"sentiment":"neutral","sentiment_score":0.036982037127017975}],"sentiment":"neutral","sentiment_score":0.036982037127017975,"channel":0,"num_words":1,"start":2148.845,"end":2149.345},{"sentences":[{"text":"the new advice?","start":2149.125,"end":2150.025,"sentiment":"neutral","sentiment_score":0.0313109482328097}],"sentiment":"neutral","sentiment_score":0.0313109482328097,"channel":1,"num_words":3,"start":2149.125,"end":2150.025},{"sentences":[{"text":"it's up to you.","start":2152.285,"end":2153.505,"sentiment":"neutral","sentiment_score":0.04759360570460558},{"text":"You we do ask that you sign it all and send it back to us as soon as possible.","start":2153.645,"end":2158.06,"sentiment":"neutral","sentiment_score":0.05901618968499334},{"text":"However, if you wanna take it back and read it first, I have no qualms with that.","start":2158.12,"end":2163.1,"sentiment":"neutral","sentiment_score":0.036935868070406074},{"text":"I'm more than happy for you to give it a day or a week, whatever you're comfortable with.","start":2163.16,"end":2167.5,"sentiment":"positive","sentiment_score":0.541196862856547},{"text":"Obviously, we do need the ongoing service agreement back by us providing any new advice because we provide it under the guy that you're an ongoing client.","start":2167.8801,"end":2175.9548,"sentiment":"neutral","sentiment_score":0.12752139319976172}],"sentiment":"neutral","sentiment_score":0.17793191684519544,"channel":0,"num_words":85,"start":2152.285,"end":2175.9548},{"sentences":[{"text":"But at the same time, you can start it now if you're comfortable to.","start":2176.7349,"end":2180.255,"sentiment":"neutral","sentiment_score":0.1810815270457949},{"text":"If you don't want if you wanna go back and read things first, that's absolutely fine.","start":2180.255,"end":2184.255,"sentiment":"neutral","sentiment_score":0.13931076833978295},{"text":"I have no problems with that.","start":2184.255,"end":2185.8,"sentiment":"positive","sentiment_score":0.3992212116718292},{"text":"I would rather do it at a comfort level that's right for you.","start":2186.04,"end":2189.5,"sentiment":"positive","sentiment_score":0.4181104485805218}],"sentiment":"neutral","sentiment_score":0.25703830150317175,"channel":0,"num_words":49,"start":2176.7349,"end":2189.5},{"sentences":[{"text":"Okay.","start":2190.52,"end":2191.02,"sentiment":"neutral","sentiment_score":0.08114313334226608},{"text":"So there was so the next one is it was the authorization to collect information.","start":2191.4,"end":2196.1401,"sentiment":"neutral","sentiment_score":0.023716967614988486},{"text":"Is that the one you're referring to around CareSuper?","start":2196.2,"end":2198.46,"sentiment":"neutral","sentiment_score":0.009007535428584864}],"sentiment":"neutral","sentiment_score":0.020718618656974285,"channel":1,"num_words":25,"start":2190.52,"end":2198.46},{"sentences":[{"text":"Yeah.","start":2198.6,"end":2199.1,"sentiment":"neutral","sentiment_score":0.01953345537185669}],"sentiment":"neutral","sentiment_score":0.01953345537185669,"channel":0,"num_words":1,"start":2198.6,"end":2199.1},{"sentences":[{"text":"Okay.","start":2199.9548,"end":2200.4548,"sentiment":"neutral","sentiment_score":0.030053330585360527}],"sentiment":"neutral","sentiment_score":0.030053330585360527,"channel":1,"num_words":1,"start":2199.9548,"end":2200.4548},{"sentences":[{"text":"That's correct.","start":2200.665,"end":2201.385,"sentiment":"neutral","sentiment_score":0.050534892827272415},{"text":"Yeah.","start":2201.385,"end":2201.625,"sentiment":"neutral","sentiment_score":0.00434547383338213},{"text":"So no.","start":2201.625,"end":2202.105,"sentiment":"neutral","sentiment_score":-0.05481056869029999},{"text":"It's a third party authority there which will have applied the funds.","start":2202.105,"end":2205.645,"sentiment":"neutral","sentiment_score":-0.025797927752137184},{"text":"Yeah.","start":2205.7852,"end":2206.2852,"sentiment":"neutral","sentiment_score":0.05583847314119339}],"sentiment":"neutral","sentiment_score":-0.014330140987618102,"channel":0,"num_words":18,"start":2200.665,"end":2206.2852},{"sentences":[{"text":"Okay.","start":2207.075,"end":2207.395,"sentiment":"neutral","sentiment_score":0.08007767796516418},{"text":"I've","start":2207.395,"end":2207.555,"sentiment":"neutral","sentiment_score":0.11998046934604643}],"sentiment":"neutral","sentiment_score":0.10002907365560532,"channel":1,"num_words":2,"start":2207.075,"end":2207.555},{"sentences":[{"text":"All","start":2207.465,"end":2207.7852,"sentiment":"neutral","sentiment_score":0.14881554245948792}],"sentiment":"neutral","sentiment_score":0.14881554245948792,"channel":0,"num_words":1,"start":2207.465,"end":2207.7852},{"sentences":[{"text":"signed","start":2207.555,"end":2207.875,"sentiment":"neutral","sentiment_score":0.31136825680732727}],"sentiment":"neutral","sentiment_score":0.31136825680732727,"channel":1,"num_words":1,"start":2207.555,"end":2207.875},{"sentences":[{"text":"good.","start":2207.7852,"end":2208.2852,"sentiment":"neutral","sentiment_score":0.28768086433410645}],"sentiment":"neutral","sentiment_score":0.28768086433410645,"channel":0,"num_words":1,"start":2207.7852,"end":2208.2852},{"sentences":[{"text":"both 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regards to the","start":2222.24,"end":2227.865,"sentiment":"neutral","sentiment_score":0.05018322085115043}],"sentiment":"neutral","sentiment_score":0.05018322085115043,"channel":1,"num_words":22,"start":2222.24,"end":2227.865},{"sentences":[{"text":"Yeah.","start":2227.5,"end":2228.0,"sentiment":"neutral","sentiment_score":0.004702808801084757}],"sentiment":"neutral","sentiment_score":0.004702808801084757,"channel":0,"num_words":1,"start":2227.5,"end":2228.0},{"sentences":[{"text":"remediation and what the new the new plan is?","start":2227.9448,"end":2230.9648,"sentiment":"neutral","sentiment_score":0.01864972182859977}],"sentiment":"neutral","sentiment_score":0.01864972182859977,"channel":1,"num_words":9,"start":2227.9448,"end":2230.9648},{"sentences":[{"text":"Yeah.","start":2232.955,"end":2233.355,"sentiment":"neutral","sentiment_score":0.1115947961807251},{"text":"Absolutely.","start":2233.355,"end":2233.855,"sentiment":"neutral","sentiment_score":0.2507549524307251},{"text":"Not a problem at all.","start":2234.395,"end":2235.675,"sentiment":"neutral","sentiment_score":0.31110029816627505},{"text":"Beautiful.","start":2235.675,"end":2236.175,"sentiment":"positive","sentiment_score":0.538597583770752},{"text":"The last thing I thought I wanted to do was just to go through and update a few additional details that I have here for you.","start":2237.035,"end":2242.895,"sentiment":"neutral","sentiment_score":0.10094835208012508}],"sentiment":"neutral","sentiment_score":0.14944429344990673,"channel":0,"num_words":34,"start":2232.955,"end":2242.895},{"sentences":[{"text":"Your income that we had noted down last year was about 230,000.","start":2243.72,"end":2247.7998,"sentiment":"neutral","sentiment_score":0.03896129131317139},{"text":"Have you been lucky enough to have a pay rise since then?","start":2247.7998,"end":2250.38,"sentiment":"neutral","sentiment_score":0.04401784188424548}],"sentiment":"neutral","sentiment_score":0.04148956659870843,"channel":0,"num_words":24,"start":2243.72,"end":2250.38},{"sentences":[{"text":"Yeah.","start":2252.71,"end":2252.9502,"sentiment":"neutral","sentiment_score":0.0098774041980505},{"text":"I think it's $2.40 now.","start":2252.9502,"end":2254.755,"sentiment":"neutral","sentiment_score":0.016687484830617903}],"sentiment":"neutral","sentiment_score":0.01555247139185667,"channel":1,"num_words":6,"start":2252.71,"end":2254.755},{"sentences":[{"text":"$2.40.","start":2256.7349,"end":2257.555,"sentiment":"neutral","sentiment_score":0.03660007566213608},{"text":"Beautiful.","start":2257.615,"end":2258.115,"sentiment":"positive","sentiment_score":0.4535598754882813},{"text":"Excellent.","start":2258.4949,"end":2258.9949,"sentiment":"positive","sentiment_score":0.5561817288398743},{"text":"Lovely.","start":2263.055,"end":2263.555,"sentiment":"positive","sentiment_score":0.49227896332740784},{"text":"I've got down so expenditure wise, you sort of made mention that life is pretty expensive.","start":2263.9348,"end":2269.0598,"sentiment":"neutral","sentiment_score":-0.08505471143871546}],"sentiment":"neutral","sentiment_score":0.008887263014912605,"channel":0,"num_words":20,"start":2256.7349,"end":2269.0598},{"sentences":[{"text":"You're not really sort of saving anything.","start":2269.0598,"end":2270.8198,"sentiment":"neutral","sentiment_score":-0.22882280392306192},{"text":"Are you managing to put anything away into a savings account on a regular basis that you would quantify at all?","start":2270.8198,"end":2276.76,"sentiment":"neutral","sentiment_score":-0.06984423775048483}],"sentiment":"neutral","sentiment_score":-0.10958887929362911,"channel":0,"num_words":28,"start":2269.0598,"end":2276.76},{"sentences":[{"text":"Not much.","start":2279.6702,"end":2280.1501,"sentiment":"neutral","sentiment_score":-0.11064964532852173},{"text":"I mean, look, I've got a payment account for about, you know, $15.","start":2280.1501,"end":2283.53,"sentiment":"neutral","sentiment_score":-0.06367088997593293},{"text":"There's","start":2283.645,"end":2284.145,"sentiment":"neutral","sentiment_score":-0.022391928359866142}],"sentiment":"neutral","sentiment_score":-0.06696329929400235,"channel":1,"num_words":16,"start":2279.6702,"end":2284.145},{"sentences":[{"text":"Yeah.","start":2285.2852,"end":2285.7852,"sentiment":"neutral","sentiment_score":-0.00854375772178173}],"sentiment":"neutral","sentiment_score":-0.00854375772178173,"channel":0,"num_words":1,"start":2285.2852,"end":2285.7852},{"sentences":[{"text":"obviously yes.","start":2285.565,"end":2287.085,"sentiment":"neutral","sentiment_score":-0.007087389938533306},{"text":"But 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goals.","start":2305.47,"end":2308.35,"sentiment":"neutral","sentiment_score":0.2009532137049569},{"text":"You were looking to build that cash buffer for emergencies under 10,000.","start":2308.35,"end":2313.01,"sentiment":"neutral","sentiment_score":0.1447917390614748}],"sentiment":"neutral","sentiment_score":0.18529647185156742,"channel":0,"num_words":24,"start":2302.91,"end":2313.01},{"sentences":[{"text":"You've got that 15,000 sitting in the savings there as well.","start":2313.4448,"end":2316.7249,"sentiment":"neutral","sentiment_score":0.15037528560920196},{"text":"Are you still looking to build on that as a bit of an emergency fund, or is that kind of that goal fully met?","start":2316.7249,"end":2323.065,"sentiment":"neutral","sentiment_score":0.08945447547982137}],"sentiment":"neutral","sentiment_score":0.10860101580619812,"channel":0,"num_words":35,"start":2313.4448,"end":2323.065},{"sentences":[{"text":"Yeah.","start":2323.8699,"end":2324.1099,"sentiment":"neutral","sentiment_score":-0.0273007582873106},{"text":"No.","start":2324.1099,"end":2324.19,"sentiment":"neutral","sentiment_score":-0.0964035615324974},{"text":"Yeah.","start":2324.19,"end":2324.43,"sentiment":"neutral","sentiment_score":-0.0932714343070984},{"text":"It's not it's it's kind of fluid.","start":2324.43,"end":2325.63,"sentiment":"neutral","sentiment_score":-0.13163433223962784},{"text":"As long as it kind of fits there, you know, things pop up, need braces.","start":2325.63,"end":2328.83,"sentiment":"neutral","sentiment_score":-0.10898381173610687}],"sentiment":"neutral","sentiment_score":-0.11092693023383618,"channel":1,"num_words":25,"start":2323.8699,"end":2328.83},{"sentences":[{"text":"Alright.","start":2328.83,"end":2329.07,"sentiment":"neutral","sentiment_score":-0.01996384747326374},{"text":"I've got some cash.","start":2329.07,"end":2330.03,"sentiment":"neutral","sentiment_score":-0.032568277791142464},{"text":"But yeah.","start":2330.03,"end":2330.43,"sentiment":"neutral","sentiment_score":-0.05281943455338478},{"text":"So it's kind of sitting where it needs 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expensive.","start":2336.96,"end":2337.7,"sentiment":"neutral","sentiment_score":-0.16630205884575844},{"text":"All good.","start":2341.04,"end":2342.525,"sentiment":"neutral","sentiment_score":0.18006952293217182},{"text":"And then the any other things I've sort of got here, we're looking to, you know, pay off your mortgage as much as possible, directing most of your cash flow towards your mortgage goal.","start":2342.825,"end":2352.045,"sentiment":"neutral","sentiment_score":0.13891528985079596},{"text":"Is that that still feels fairly relevant moving forward trying to pay that down?","start":2352.585,"end":2356.2,"sentiment":"neutral","sentiment_score":0.17800094187259674},{"text":"Are you hoping to try and have that mortgage completely gone by retirement, or do you feel like because the time is sort of about twelve years away, there's a possibility that you'll still have that mortgage in those years and maybe wanna draw on to cover the difference?","start":2356.2,"end":2369.8,"sentiment":"neutral","sentiment_score":0.0311941387778034}],"sentiment":"neutral","sentiment_score":0.08684337395473872,"channel":0,"num_words":101,"start":2336.96,"end":2369.8},{"sentences":[{"text":"Or how do you feel about the mortgage and moving forward with that goal?","start":2369.8,"end":2373.315,"sentiment":"neutral","sentiment_score":0.10728848672338895}],"sentiment":"neutral","sentiment_score":0.10728848672338895,"channel":0,"num_words":14,"start":2369.8,"end":2373.315},{"sentences":[{"text":"Yeah.","start":2374.775,"end":2375.095,"sentiment":"neutral","sentiment_score":0.20084261894226071},{"text":"Look.","start":2375.095,"end":2375.255,"sentiment":"neutral","sentiment_score":0.25433868169784546},{"text":"I still think, potentially, it's achievable.","start":2375.255,"end":2377.035,"sentiment":"positive","sentiment_score":0.39667418599128723},{"text":"You see, you know, just get through the next few years with my kids, and then I'll I'll","start":2378.535,"end":2384.42,"sentiment":"neutral","sentiment_score":0.2744724311762386}],"sentiment":"neutral","sentiment_score":0.2990665452984663,"channel":1,"num_words":26,"start":2374.775,"end":2384.42},{"sentences":[{"text":"Mhmm.","start":2384.1748,"end":2384.6748,"sentiment":"neutral","sentiment_score":0.1219346970319748}],"sentiment":"neutral","sentiment_score":0.1219346970319748,"channel":0,"num_words":1,"start":2384.1748,"end":2384.6748},{"sentences":[{"text":"have I'll","start":2384.42,"end":2384.98,"sentiment":"neutral","sentiment_score":0.11738642677664757}],"sentiment":"neutral","sentiment_score":0.11738642677664757,"channel":1,"num_words":2,"start":2384.42,"end":2384.98},{"sentences":[{"text":"Yeah.","start":2384.8948,"end":2385.36,"sentiment":"neutral","sentiment_score":0.16410568356513977}],"sentiment":"neutral","sentiment_score":0.16410568356513977,"channel":0,"num_words":1,"start":2384.8948,"end":2385.36},{"sentences":[{"text":"have more disposable income to then pump into the mortgage and also then also look to increase my super contribution as well.","start":2384.98,"end":2391.8801,"sentiment":"neutral","sentiment_score":0.2652553143826398}],"sentiment":"neutral","sentiment_score":0.2652553143826398,"channel":1,"num_words":22,"start":2384.98,"end":2391.8801},{"sentences":[{"text":"Yes.","start":2393.28,"end":2393.76,"sentiment":"neutral","sentiment_score":0.3226017951965332},{"text":"Yep.","start":2393.76,"end":2394.24,"sentiment":"positive","sentiment_score":0.41868066787719727},{"text":"Beautiful.","start":2394.24,"end":2394.74,"sentiment":"positive","sentiment_score":0.7839038372039795},{"text":"I'll add that down as a future goal that we'll sort of keep track 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terms of, you know, that 13% growth, where it was anyone's, like, 4.8 this year.","start":2408.2449,"end":2419.02,"sentiment":"neutral","sentiment_score":0.1435596348510848},{"text":"So I","start":2419.02,"end":2419.26,"sentiment":"neutral","sentiment_score":0.05136818252503872}],"sentiment":"neutral","sentiment_score":0.13963659432657222,"channel":1,"num_words":47,"start":2408.2449,"end":2419.26},{"sentences":[{"text":"Mhmm.","start":2419.23,"end":2419.73,"sentiment":"neutral","sentiment_score":0.04096701741218567}],"sentiment":"neutral","sentiment_score":0.04096701741218567,"channel":0,"num_words":1,"start":2419.23,"end":2419.73},{"sentences":[{"text":"think I'm keen","start":2419.26,"end":2420.56,"sentiment":"neutral","sentiment_score":0.03587482124567032}],"sentiment":"neutral","sentiment_score":0.03587482124567032,"channel":1,"num_words":3,"start":2419.26,"end":2420.56},{"sentences":[{"text":"Yep.","start":2421.39,"end":2421.89,"sentiment":"neutral","sentiment_score":0.0687466487288475}],"sentiment":"neutral","sentiment_score":0.0687466487288475,"channel":0,"num_words":1,"start":2421.39,"end":2421.89},{"sentences":[{"text":"to keen to see a better better year knowing that, you know, years do fluctuate.","start":2421.4202,"end":2426.0,"sentiment":"neutral","sentiment_score":0.02849780283868313},{"text":"But yeah.","start":2426.1401,"end":2426.8801,"sentiment":"neutral","sentiment_score":0.05948370136320591}],"sentiment":"neutral","sentiment_score":0.03214320266509757,"channel":1,"num_words":17,"start":2421.4202,"end":2426.8801},{"sentences":[{"text":"Absolutely.","start":2428.205,"end":2428.705,"sentiment":"neutral","sentiment_score":0.1560460329055786},{"text":"Yeah.","start":2429.165,"end":2429.645,"sentiment":"neutral","sentiment_score":0.11240917444229126},{"text":"No.","start":2429.645,"end":2429.885,"sentiment":"neutral","sentiment_score":0.133746400475502},{"text":"Not a problem at all.","start":2429.885,"end":2430.845,"sentiment":"neutral","sentiment_score":0.13365233987569808},{"text":"And, look, I would like to maybe do a few more catch up with you.","start":2430.845,"end":2433.645,"sentiment":"neutral","sentiment_score":0.09099407196044922}],"sentiment":"neutral","sentiment_score":0.10588584289602611,"channel":0,"num_words":23,"start":2428.205,"end":2433.645},{"sentences":[{"text":"I think a lot of this you have that review with Tommy last year, if I could go through.","start":2433.645,"end":2438.365,"sentiment":"neutral","sentiment_score":0.09379971556757626},{"text":"But I do kinda feel like doing a catch up with you a little bit more often, maybe once every six months might mean that we can kind of flag things a little bit quicker with you as well.","start":2438.365,"end":2448.2,"sentiment":"neutral","sentiment_score":0.1104194183762257},{"text":"If I see something dropping in the portfolio, we can always come back and readjust it.","start":2448.2,"end":2452.725,"sentiment":"neutral","sentiment_score":0.04255968303186819},{"text":"We don't have to wait for an annual review, and it can then we can flag things a little bit 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clients.","start":2476.14,"end":2480.46,"sentiment":"neutral","sentiment_score":0.20057126134634018}],"sentiment":"neutral","sentiment_score":0.25376937360990615,"channel":0,"num_words":42,"start":2468.94,"end":2480.46},{"sentences":[{"text":"You're one of those.","start":2480.46,"end":2481.26,"sentiment":"neutral","sentiment_score":0.13135917857289314},{"text":"And if you decide I'm not your adviser, that's obviously okay.","start":2481.26,"end":2484.16,"sentiment":"neutral","sentiment_score":0.10981314934112808},{"text":"But I wanna sort of take it back to basics a little bit more and sort of have those catch up more regularly so we can fly where markets are up and down, talk you through what's happening, and and understand what's going on in in the portfolio.","start":2484.4448,"end":2495.505,"sentiment":"neutral","sentiment_score":0.13873812463134527},{"text":"So when we have a negative year, we understand why we understand what's happening happening and reflective of the market as a whole.","start":2495.645,"end":2501.78,"sentiment":"neutral","sentiment_score":-0.06958386042843694},{"text":"But where, say, your portfolio hasn't been updated correctly or if it's just as an underperforming investment, that we can look to flag that and update advice a bit more appropriately for you.","start":2502.0,"end":2511.4402,"sentiment":"neutral","sentiment_score":-0.009628975114813356}],"sentiment":"neutral","sentiment_score":0.054408624963913146,"channel":0,"num_words":119,"start":2480.46,"end":2511.4402},{"sentences":[{"text":"Does that sound okay?","start":2511.4402,"end":2512.5,"sentiment":"neutral","sentiment_score":0.028252404183149338}],"sentiment":"neutral","sentiment_score":0.028252404183149338,"channel":0,"num_words":4,"start":2511.4402,"end":2512.5},{"sentences":[{"text":"It 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15,000.","start":2522.145,"end":2527.925,"sentiment":"neutral","sentiment_score":0.023797203715030964}],"sentiment":"neutral","sentiment_score":0.09417894661978439,"channel":0,"num_words":27,"start":2515.745,"end":2527.925},{"sentences":[{"text":"What would you value your vehicle at now, do you think?","start":2528.65,"end":2531.15,"sentiment":"neutral","sentiment_score":0.029551971534436398}],"sentiment":"neutral","sentiment_score":0.029551971534436398,"channel":0,"num_words":11,"start":2528.65,"end":2531.15},{"sentences":[{"text":"Oh, that car yes.","start":2533.65,"end":2534.8699,"sentiment":"neutral","sentiment_score":0.02148128766566515},{"text":"Probably nothing.","start":2535.17,"end":2536.07,"sentiment":"neutral","sentiment_score":-0.027397901751101017},{"text":"So I've I've given that car to my to my to my 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true, like, cellular packaging?","start":2550.125,"end":2552.9448,"sentiment":"neutral","sentiment_score":0.1179178042544259}],"sentiment":"neutral","sentiment_score":0.14476454935290597,"channel":0,"num_words":11,"start":2548.845,"end":2552.9448},{"sentences":[{"text":"Yeah.","start":2554.075,"end":2554.555,"sentiment":"neutral","sentiment_score":0.05956312641501427},{"text":"Yeah.","start":2554.555,"end":2554.9548,"sentiment":"neutral","sentiment_score":0.06399115920066833},{"text":"Yeah.","start":2554.9548,"end":2555.25,"sentiment":"neutral","sentiment_score":0.07713833451271057}],"sentiment":"neutral","sentiment_score":0.06689754004279773,"channel":1,"num_words":3,"start":2554.075,"end":2555.25},{"sentences":[{"text":"Yep.","start":2557.05,"end":2557.55,"sentiment":"neutral","sentiment_score":0.1234198659658432},{"text":"Beautiful.","start":2557.61,"end":2558.11,"sentiment":"positive","sentiment_score":0.5015760660171509},{"text":"Excellent.","start":2560.49,"end":2560.99,"sentiment":"positive","sentiment_score":0.5871303081512451},{"text":"Fantastic.","start":2561.1301,"end":2561.6301,"sentiment":"positive","sentiment_score":0.5657936334609985},{"text":"And the last thing to do is just to go through a really quick risk profile questionnaire just to kinda gauge whether you are investing correctly.","start":2562.33,"end":2568.35,"sentiment":"neutral","sentiment_score":0.10250098029008278}],"sentiment":"neutral","sentiment_score":0.14809817870457967,"channel":0,"num_words":30,"start":2557.05,"end":2568.35},{"sentences":[{"text":"Realistically, with your time horizon.","start":2568.49,"end":2570.855,"sentiment":"neutral","sentiment_score":0.08856258913874626},{"text":"You still do fit within the portfolio that you're in, but I just had a couple of questions to kinda gauge whether there's any changes to that.","start":2571.315,"end":2579.015,"sentiment":"neutral","sentiment_score":0.06602191311065797},{"text":"So the first one here is when you think about markets and you think about taking risk in the market, do you consider yourself comfortable taking a higher level of risk to get greater potential returns knowing that the downside is reflective of that so it's magnified?","start":2580.115,"end":2594.9302,"sentiment":"neutral","sentiment_score":-0.03480771330601357},{"text":"Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can or not taking any risk in the market knowing the returns are reflective of that?","start":2596.11,"end":2605.5051,"sentiment":"neutral","sentiment_score":-0.06043185575732163},{"text":"Where would you see yourself fitting?","start":2605.5051,"end":2607.365,"sentiment":"neutral","sentiment_score":-0.04253101907670498}],"sentiment":"neutral","sentiment_score":-0.014840491597230237,"channel":0,"num_words":120,"start":2568.49,"end":2607.365},{"sentences":[{"text":"Probably somewhere between high and moderate.","start":2609.77,"end":2612.17,"sentiment":"neutral","sentiment_score":-0.1221810815234979},{"text":"I know that doesn't help, so I'd probably say 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the next one to three years due to what was happening generally within the world.","start":2622.48,"end":2628.375,"sentiment":"neutral","sentiment_score":-0.009067352099174803},{"text":"Do you think you'd take it as an opportunity to invest a nice big lump sum, invest into the dip?","start":2628.695,"end":2633.995,"sentiment":"neutral","sentiment_score":0.07993525648489594},{"text":"Are you considering holding and waiting, calling us, and seeing what we suggest to do, or are you likely to maybe cement the loss and sell to cash?","start":2634.135,"end":2642.155,"sentiment":"neutral","sentiment_score":-0.10886013534452234}],"sentiment":"neutral","sentiment_score":-0.02355514865900789,"channel":0,"num_words":70,"start":2622.48,"end":2642.155},{"sentences":[{"text":"I'd probably look to you guys for advice.","start":2643.47,"end":2645.41,"sentiment":"neutral","sentiment_score":-0.0578761687502265}],"sentiment":"neutral","sentiment_score":-0.0578761687502265,"channel":1,"num_words":8,"start":2643.47,"end":2645.41},{"sentences":[{"text":"Yep.","start":2647.47,"end":2647.8699,"sentiment":"neutral","sentiment_score":0.1627400368452072},{"text":"Beautiful.","start":2647.8699,"end":2648.27,"sentiment":"positive","sentiment_score":0.4858644902706146},{"text":"That's a good answer.","start":2648.27,"end":2648.99,"sentiment":"positive","sentiment_score":0.4564179629087448},{"text":"Nothing to lie.","start":2648.99,"end":2649.97,"sentiment":"neutral","sentiment_score":0.14947892228762308},{"text":"The next one here is have you seen your super full in value in the past?","start":2651.63,"end":2658.0452,"sentiment":"neutral","sentiment_score":0.13075439305976033}],"sentiment":"neutral","sentiment_score":0.20059133738279342,"channel":0,"num_words":25,"start":2647.47,"end":2658.0452},{"sentences":[{"text":"If you have, how do these drips make you feel?","start":2658.0452,"end":2660.705,"sentiment":"neutral","sentiment_score":0.09826295226812362},{"text":"Are you feeling optimistic about the investment opportunities?","start":2660.845,"end":2663.745,"sentiment":"neutral","sentiment_score":0.11288363300263882},{"text":"Are you a bit cautious, concerned, or feeling slightly anxious?","start":2663.965,"end":2666.82,"sentiment":"neutral","sentiment_score":-0.10601138882339001}],"sentiment":"neutral","sentiment_score":0.029485167802444527,"channel":0,"num_words":28,"start":2658.0452,"end":2666.82},{"sentences":[{"text":"Optimist.","start":2667.97,"end":2668.47,"sentiment":"neutral","sentiment_score":0.10867027193307877}],"sentiment":"neutral","sentiment_score":0.10867027193307877,"channel":1,"num_words":1,"start":2667.97,"end":2668.47},{"sentences":[{"text":"Optimistic.","start":2670.82,"end":2671.32,"sentiment":"neutral","sentiment_score":0.2812163829803467},{"text":"Beautiful.","start":2671.62,"end":2672.12,"sentiment":"positive","sentiment_score":0.5463862419128418},{"text":"Thank you for that.","start":2673.62,"end":2674.84,"sentiment":"positive","sentiment_score":0.6207179129123688},{"text":"And the last one here that we've had in the past is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for state property?","start":2675.62,"end":2685.705,"sentiment":"neutral","sentiment_score":0.019214015226902033}],"sentiment":"neutral","sentiment_score":0.08719678512437547,"channel":0,"num_words":47,"start":2670.82,"end":2685.705},{"sentences":[{"text":"No.","start":2689.565,"end":2689.805,"sentiment":"neutral","sentiment_score":-0.1921093463897705},{"text":"I haven't thought about borrowing for shares.","start":2689.805,"end":2691.7449,"sentiment":"neutral","sentiment_score":-0.15932076743670873}],"sentiment":"neutral","sentiment_score":-0.16341933980584145,"channel":1,"num_words":8,"start":2689.565,"end":2691.7449},{"sentences":[{"text":"Mhmm.","start":2694.085,"end":2694.585,"sentiment":"neutral","sentiment_score":-0.046737298369407654}],"sentiment":"neutral","sentiment_score":-0.046737298369407654,"channel":0,"num_words":1,"start":2694.085,"end":2694.585},{"sentences":[{"text":"And I've yeah.","start":2694.15,"end":2694.79,"sentiment":"neutral","sentiment_score":-0.046746486177047096},{"text":"I've only ever borrowed for property, which I don't which I wouldn't I wouldn't be investing","start":2694.79,"end":2698.79,"sentiment":"neutral","sentiment_score":-0.08559586363844573}],"sentiment":"neutral","sentiment_score":-0.07946175140769858,"channel":1,"num_words":19,"start":2694.15,"end":2698.79},{"sentences":[{"text":"Yep.","start":2698.47,"end":2698.97,"sentiment":"neutral","sentiment_score":-0.03386827930808067}],"sentiment":"neutral","sentiment_score":-0.03386827930808067,"channel":0,"num_words":1,"start":2698.47,"end":2698.97},{"sentences":[{"text":"in property right now.","start":2698.79,"end":2700.65,"sentiment":"neutral","sentiment_score":-0.04994040261954069}],"sentiment":"neutral","sentiment_score":-0.04994040261954069,"channel":1,"num_words":4,"start":2698.79,"end":2700.65},{"sentences":[{"text":"No.","start":2701.83,"end":2702.33,"sentiment":"neutral","sentiment_score":-0.16761353611946106},{"text":"No.","start":2702.6301,"end":2702.87,"sentiment":"neutral","sentiment_score":-0.14900946617126465},{"text":"That's okay.","start":2702.87,"end":2703.69,"sentiment":"neutral","sentiment_score":0.0034496961161494255},{"text":"Beautiful.","start":2704.47,"end":2704.97,"sentiment":"positive","sentiment_score":0.432175874710083},{"text":"So you've scored it as a growth investor.","start":2705.19,"end":2707.29,"sentiment":"neutral","sentiment_score":0.30784932244569063}],"sentiment":"neutral","sentiment_score":0.19886514186286008,"channel":0,"num_words":13,"start":2701.83,"end":2707.29},{"sentences":[{"text":"So we do have you in that growth kind of environment, which generally sees about 80% of your super invested in those growth assets.","start":2707.35,"end":2714.395,"sentiment":"neutral","sentiment_score":0.12477672069023053},{"text":"So thinking like Australian shares, international shares, listed property, and commodities like gold and silver, and then still keeping about a 20% defensive component of things like cash, bonds, and fixed interest.","start":2714.395,"end":2726.175,"sentiment":"neutral","sentiment_score":0.09619756962638348},{"text":"When we look at the risk profile and sort of what achievable conservative rate of return the growth portfolio should be able to receive on a yearly basis, you're looking at around about seven to 9% in mid levy or wanna see a much greater return than that, but that's sort of focusing on on a conservative rate of return that could be compounded or to sort of provide growth.","start":2726.78,"end":2748.355,"sentiment":"neutral","sentiment_score":0.08558262384363584},{"text":"Anything under 7% like what we have sort of seen this year is generally an underperformance of the fund or the market is due to the market concerns.","start":2749.455,"end":2758.3098,"sentiment":"neutral","sentiment_score":-0.25645593979528974},{"text":"Anything over that 9% we consider to be fair.","start":2758.3699,"end":2760.77,"sentiment":"neutral","sentiment_score":-0.09912874797979991}],"sentiment":"neutral","sentiment_score":0.02448357145753375,"channel":0,"num_words":163,"start":2707.35,"end":2760.77},{"sentences":[{"text":"It has to","start":2760.77,"end":2761.17,"sentiment":"neutral","sentiment_score":-0.02163909375667572}],"sentiment":"neutral","sentiment_score":-0.02163909375667572,"channel":0,"num_words":3,"start":2760.77,"end":2761.17},{"sentences":[{"text":"Yeah.","start":2761.125,"end":2761.625,"sentiment":"neutral","sentiment_score":-0.020192328840494156}],"sentiment":"neutral","sentiment_score":-0.020192328840494156,"channel":1,"num_words":1,"start":2761.125,"end":2761.625},{"sentences":[{"text":"be considered over performance.","start":2761.17,"end":2762.47,"sentiment":"neutral","sentiment_score":-0.03326669195666909},{"text":"Volatility wise, we do or we expect the volatility in this range to be plus or minus about 11%.","start":2763.41,"end":2770.6748,"sentiment":"neutral","sentiment_score":-0.057065456125297044},{"text":"So, realistically, in a good year, you could receive an additional 11% on top of that nine.","start":2770.6748,"end":2775.9548,"sentiment":"neutral","sentiment_score":-0.02089505927527652},{"text":"In a bad year, it can drop by 11% under the seven there.","start":2775.9548,"end":2779.555,"sentiment":"neutral","sentiment_score":-0.22391326266985673},{"text":"So it is an expectation with the volatility.","start":2779.555,"end":2781.9749,"sentiment":"neutral","sentiment_score":-0.13883057422935963}],"sentiment":"neutral","sentiment_score":-0.09170563033491862,"channel":0,"num_words":61,"start":2761.17,"end":2781.9749},{"sentences":[{"text":"We understand how that works.","start":2782.1948,"end":2783.815,"sentiment":"neutral","sentiment_score":-0.12013391703367234},{"text":"And the likelihood of a negative return in this sort of environment is around about one in every five years.","start":2784.11,"end":2789.41,"sentiment":"neutral","sentiment_score":-0.2296312727034092},{"text":"So it's not crazy.","start":2789.55,"end":2790.77,"sentiment":"neutral","sentiment_score":-0.09214164316654205},{"text":"You're kind of when you think about the risk set scale, one being all in cash, five being all in shares and are very aggressive, you're sitting at about a three there.","start":2790.91,"end":2800.115,"sentiment":"neutral","sentiment_score":-0.0036344510735943913},{"text":"It's kind of mid range.","start":2800.115,"end":2801.4949,"sentiment":"neutral","sentiment_score":0.019840731960721315}],"sentiment":"neutral","sentiment_score":-0.08452970282506254,"channel":0,"num_words":66,"start":2782.1948,"end":2801.4949},{"sentences":[{"text":"It does normally suit someone as your time horizon.","start":2802.115,"end":2804.615,"sentiment":"neutral","sentiment_score":0.04249384696595371},{"text":"Generally, when you're about six years away from accessing Super, we'd be talking about reducing the risk level further.","start":2805.155,"end":2810.755,"sentiment":"neutral","sentiment_score":-0.048220446137221235},{"text":"But for right now, this suits your time horizon and your capacity to sort of withstand market ups and downs.","start":2810.755,"end":2817.52,"sentiment":"neutral","sentiment_score":0.023804364167153834},{"text":"But do you feel comfortable in this environment, in this sort of portfolio still?","start":2817.52,"end":2822.02,"sentiment":"neutral","sentiment_score":-0.009438124884452139}],"sentiment":"neutral","sentiment_score":-0.0030611341766592476,"channel":0,"num_words":62,"start":2802.115,"end":2822.02},{"sentences":[{"text":"I do.","start":2822.655,"end":2823.135,"sentiment":"neutral","sentiment_score":0.10378910228610039},{"text":"Yeah.","start":2823.135,"end":2823.635,"sentiment":"neutral","sentiment_score":0.08714058995246887}],"sentiment":"neutral","sentiment_score":0.09823959817488988,"channel":1,"num_words":3,"start":2822.655,"end":2823.635},{"sentences":[{"text":"Yep.","start":2825.52,"end":2825.92,"sentiment":"neutral","sentiment_score":0.12360414117574692},{"text":"Beautiful.","start":2825.92,"end":2826.42,"sentiment":"positive","sentiment_score":0.4801346957683563},{"text":"Excellent.","start":2826.48,"end":2826.98,"sentiment":"positive","sentiment_score":0.45159026980400085},{"text":"I know I have touched on a lot today, and I'm really sorry about the things that I had to kinda go through with you.","start":2827.455,"end":2832.8152,"sentiment":"neutral","sentiment_score":-0.19234201222658157},{"text":"But I'm glad that we touched on the things that are really important to you.","start":2832.8152,"end":2835.855,"sentiment":"positive","sentiment_score":0.6715301195780436}],"sentiment":"neutral","sentiment_score":0.14697047894777254,"channel":0,"num_words":43,"start":2825.52,"end":2835.855},{"sentences":[{"text":"I will go back and investigate the AIA policy and let you know what's going on with that one.","start":2835.855,"end":2841.81,"sentiment":"neutral","sentiment_score":0.25663712150172185}],"sentiment":"neutral","sentiment_score":0.25663712150172185,"channel":0,"num_words":19,"start":2835.855,"end":2841.81},{"sentences":[{"text":"Yep.","start":2842.39,"end":2842.89,"sentiment":"neutral","sentiment_score":0.16363294422626495}],"sentiment":"neutral","sentiment_score":0.16363294422626495,"channel":1,"num_words":1,"start":2842.39,"end":2842.89},{"sentences":[{"text":"I will also get the remediation started ASAP for you and also do that research in the meantime to get the advice updated to reflecting for you as well.","start":2842.51,"end":2852.6099,"sentiment":"neutral","sentiment_score":0.22793074902789345},{"text":"Is there anything else that you might need me to work on while you've got me or anything else, information wise, you think I haven't touched on that might be of importance?","start":2852.955,"end":2860.3352,"sentiment":"neutral","sentiment_score":0.10201454523485154}],"sentiment":"neutral","sentiment_score":0.16187634703810097,"channel":0,"num_words":61,"start":2842.51,"end":2860.3352},{"sentences":[{"text":"No.","start":2861.0452,"end":2861.3652,"sentiment":"neutral","sentiment_score":-0.1317245364189148},{"text":"Those three things with my actions as well.","start":2861.3652,"end":2864.0999,"sentiment":"neutral","sentiment_score":-0.10585800092667341},{"text":"So yeah.","start":2864.0999,"end":2864.5,"sentiment":"neutral","sentiment_score":0.16882359981536865},{"text":"Thank you.","start":2864.5,"end":2865.24,"sentiment":"positive","sentiment_score":0.5352604985237122}],"sentiment":"neutral","sentiment_score":0.03304458868045074,"channel":1,"num_words":13,"start":2861.0452,"end":2865.24},{"sentences":[{"text":"Absolutely.","start":2867.16,"end":2867.64,"sentiment":"positive","sentiment_score":0.5087916851043701},{"text":"They will be at the top of my priority list, so I'll make sure they are started ASAP so that we can at least get everything updated.","start":2867.64,"end":2874.14,"sentiment":"positive","sentiment_score":0.40880493764524106},{"text":"I will be updating the advice also in the meantime, so there's a chance I mean, I will be pushing the admin the senior team to get the remuneration done as quickly as possible, but I aim to have this advice case updated for you very fast as well because I don't want you in bed along","start":2874.5999,"end":2889.375,"sentiment":"neutral","sentiment_score":0.19907096668816449}],"sentiment":"neutral","sentiment_score":0.26933611885589714,"channel":0,"num_words":85,"start":2867.16,"end":2889.375},{"sentences":[{"text":"Okay.","start":2889.1702,"end":2889.6702,"sentiment":"neutral","sentiment_score":-0.01496749185025692}],"sentiment":"neutral","sentiment_score":-0.01496749185025692,"channel":1,"num_words":1,"start":2889.1702,"end":2889.6702},{"sentences":[{"text":"any longer than you need to be.","start":2889.375,"end":2890.975,"sentiment":"neutral","sentiment_score":-0.07082656717726163},{"text":"Okay?","start":2890.975,"end":2891.475,"sentiment":"neutral","sentiment_score":0.0809611827135086},{"text":"Beautiful.","start":2894.99,"end":2895.49,"sentiment":"positive","sentiment_score":0.6871412396430969},{"text":"Thank you so much for your time, Adam.","start":2895.8699,"end":2897.71,"sentiment":"positive","sentiment_score":0.8166135847568512},{"text":"I really appreciate it.","start":2897.71,"end":2898.99,"sentiment":"positive","sentiment_score":0.8532855808734894}],"sentiment":"positive","sentiment_score":0.48658892636497814,"channel":0,"num_words":21,"start":2889.375,"end":2898.99},{"sentences":[{"text":"I hope you have a really good day, and I appreciate you taking my call this morning.","start":2898.99,"end":2902.93,"sentiment":"positive","sentiment_score":0.8275446365861332}],"sentiment":"positive","sentiment_score":0.8275446365861332,"channel":0,"num_words":17,"start":2898.99,"end":2902.93},{"sentences":[{"text":"You too, and thanks again.","start":2903.57,"end":2904.825,"sentiment":"positive","sentiment_score":0.635096299648285}],"sentiment":"positive","sentiment_score":0.635096299648285,"channel":1,"num_words":5,"start":2903.57,"end":2904.825},{"sentences":[{"text":"Not a worry.","start":2907.139,"end":2907.699,"sentiment":"positive","sentiment_score":0.46859923005104065}],"sentiment":"positive","sentiment_score":0.46859923005104065,"channel":0,"num_words":3,"start":2907.139,"end":2907.699},{"sentences":[{"text":"Alright.","start":2907.385,"end":2907.885,"sentiment":"positive","sentiment_score":0.5584049820899963}],"sentiment":"positive","sentiment_score":0.5584049820899963,"channel":1,"num_words":1,"start":2907.385,"end":2907.885},{"sentences":[{"text":"You have a good day and a good weekend.","start":2907.699,"end":2909.559,"sentiment":"positive","sentiment_score":0.7198598119947646}],"sentiment":"positive","sentiment_score":0.7198598119947646,"channel":0,"num_words":9,"start":2907.699,"end":2909.559},{"sentences":[{"text":"K.","start":2910.025,"end":2910.345,"sentiment":"neutral","sentiment_score":0.21605922281742096},{"text":"You too.","start":2910.345,"end":2910.9849,"sentiment":"positive","sentiment_score":0.4088611304759979},{"text":"Ciao.","start":2910.9849,"end":2911.4849,"sentiment":"positive","sentiment_score":0.4590418040752411},{"text":"Bye.","start":2912.345,"end":2912.845,"sentiment":"positive","sentiment_score":0.35687896609306335}],"sentiment":"positive","sentiment_score":0.36994045078754423,"channel":1,"num_words":5,"start":2910.025,"end":2912.845},{"sentences":[{"text":"Great.","start":2912.899,"end":2913.299,"sentiment":"positive","sentiment_score":0.6978296041488647},{"text":"See you later.","start":2913.299,"end":2913.939,"sentiment":"positive","sentiment_score":0.5949392716089884},{"text":"Bye.","start":2913.939,"end":2914.439,"sentiment":"neutral","sentiment_score":-0.08145257830619812}],"sentiment":"positive","sentiment_score":0.4802389681339264,"channel":0,"num_words":5,"start":2912.899,"end":2914.439}]},"summary":{"result":"success","short":"Representatives from Oakley Financial call Adam to confirm his annual review and discuss his coverage with Care Super. They also discuss his life and health coverage, including his current coverage and the possibility of a partial coverage. The representatives explain the benefits of the policy and promise to investigate the issue. They also discuss the performance of the Australian equities and the importance of building cash buffer for emergencies and potentially paying off mortgage. The representatives provide information on fee structures, licensing, and service agreements, and suggest reducing risk levels if the client is not comfortable with the current portfolio. They also discuss updating the client's AIA policy and updating the financial services guide."},"intents":{"segments":[{"text":"I'm not sure what happened with the line. That's okay.","start_word":25,"end_word":34,"intents":[{"intent":"Confirm line status","confidence_score":0.0038051181}]},{"text":"I had to book in to go to your annual review this morning. Is now still a good time there for you? Yeah.","start_word":37,"end_word":59,"intents":[{"intent":"Book annual review","confidence_score":0.79908526}]},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address on file. Yeah.","start_word":98,"end_word":125,"intents":[{"intent":"Confirm security check","confidence_score":0.43096688}]},{"text":"Thank you so much for that. Adam, as part of your annual review, we do normally send through some documents for you to view with us. Are you able to access your email so at the moment?","start_word":153,"end_word":189,"intents":[{"intent":"Access email","confidence_score":0.06963472}]},{"text":"So when you jump into those documents there, the first one you should see is the summary of superannuation and insurances there. Can you see that one?","start_word":353,"end_word":379,"intents":[{"intent":"Update documents","confidence_score":0.00785372}]},{"text":"Let me check if you see if there's any because it says that those are being paid out of POG 24. Let me see if there's any insurance premiums coming out.","start_word":938,"end_word":968,"intents":[{"intent":"Check insurance coverage","confidence_score":0.018751385}]},{"text":"I'll go so I can get to verify because I don't think that is accurate either.","start_word":1056,"end_word":1071,"intents":[{"intent":"Verify account","confidence_score":0.17084907}]},{"text":"If there is anything that we've been able to find that just hasn't kind of been brought up in the past, I'll let you know.","start_word":1155,"end_word":1179,"intents":[{"intent":"Resolve past issues","confidence_score":0.0023072346}]},{"text":"But let's kinda focus on the care super insurances for the moment there.","start_word":1191,"end_word":1203,"intents":[{"intent":"Focus on care super insurances","confidence_score":0.8840313}]},{"text":"So then it would pay off most of the mortgage or could sort of be paid out, you know, to look after your family. You've got three kids. Is that right? Yes.","start_word":1366,"end_word":1397,"intents":[{"intent":"Pay off mortgage","confidence_score":0.08247201},{"intent":"Pay out insurance","confidence_score":0.0003967072}]},{"text":"And where do you sort of want that benefit to be paid paid to? What would you want them to be able to do with that benefit? Alright. Yeah.","start_word":1400,"end_word":1428,"intents":[{"intent":"Determine purpose of benefit payment","confidence_score":0.0011805695},{"intent":"Determine recipient of benefit","confidence_score":0.00012486042}]},{"text":"And in savings, how much do you have sitting in there at the moment?","start_word":1627,"end_word":1640,"intents":[{"intent":"Check balance","confidence_score":0.001936222}]},{"text":"With the TBD cover, now do you understand how total permanent disability cover works, what it means, how it's paid out, things like Yeah. that?","start_word":1835,"end_word":1859,"intents":[{"intent":"Discuss and clarify disability coverage","confidence_score":0.000506761},{"intent":"Discuss cbd coverage and super benefits","confidence_score":0.01962047}]},{"text":"With your Yep.","start_word":1966,"end_word":1968,"intents":[{"intent":"Consider super super as a cost-benefit","confidence_score":3.2269963e-7}]},{"text":"And with your retirement goals, we had done that you're sort of hoping to be able to retire fully access to around about the age of 60. Is that still your goal age, or has that sort of Yeah.","start_word":2119,"end_word":2157,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.57624453}]},{"text":"Now if I can get you to move to the next document for me, the next one along is the performance with internal rate of return.","start_word":2203,"end_word":2228,"intents":[{"intent":"Move document","confidence_score":0.21207272}]},{"text":"Tommy gave you some advice last year, Yeah.","start_word":2304,"end_word":2311,"intents":[{"intent":"Provide advice","confidence_score":0.02282002}]},{"text":"And then along has had a bit of a volatile year. It had started sort of taking a bit of a dip at the end of last year, and that's when sort of Tommy had provided that advice to sell you out of the Benelon Australian Equities, and he was just looking to move you into another active loan that is done called Alfinity.","start_word":2486,"end_word":2549,"intents":[{"intent":"Move to another loan","confidence_score":0.049161687}]},{"text":"It looks like it has been a bit of an administration error. They've started the implementation, and it hasn't been completed. So I will go back to our senior management team, and I've already flagged an email to send off shortly to say this would be advised.","start_word":2594,"end_word":2640,"intents":[{"intent":"Resolve management error","confidence_score":0.0042459504}]},{"text":"The way this sort of works for you is our senior management team will go back and investigate wholly as to what happened, where the the process fell down. They will look at the portfolio that was originally recommended for you in that last advice document and look at how this portfolio has performed as well.","start_word":2647,"end_word":2702,"intents":[{"intent":"Investigate portfolio performance","confidence_score":0.3968804}]},{"text":"I do understand that, and I'm definitely not happy that this occurred for you. It's certainly not the first call I wanted to make this morning, so I can only apologize for that. It's something I found as part of doing the research for your annual review. I'm also not entirely happy that the admin team doesn't just add an AIA policy to your other documents as well. So Yes.","start_word":2817,"end_word":2886,"intents":[{"intent":"Acknowledge request","confidence_score":0.000106227104},{"intent":"Apologize for error","confidence_score":0.28616986}]},{"text":"I wanna do the right thing by you, so I will flag it with our senior management team. They will look at it, investigate it, and remediate you.","start_word":2953,"end_word":2980,"intents":[{"intent":"Flag","confidence_score":0.030660985}]},{"text":"I do have to let you know that if we find out that this portfolio, albeit, is a little bit lower than we expect, has performed better than the recommended, there would be no additional remediation made.","start_word":2981,"end_word":3017,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.0001320043}]},{"text":"Looking as a whole, you think hybrids are they are more of a defensive investment. You've got global cybersecurity, and they're up over 7%, which is quite nice.","start_word":3075,"end_word":3102,"intents":[{"intent":"Recommend","confidence_score":0.35342765}]},{"text":"And the S and P 500 is, again, doing really well, so that has taken a bit of an up and down. We with what's been happening globally, US and Australian equities have sort of seen that up and down trend. But overall, this year has come out with a positive return, so it is good to see.","start_word":3343,"end_word":3400,"intents":[{"intent":"Evaluate asset options","confidence_score":0.008114399}]},{"text":"I wanted to find out from you if you would like me to go back and maybe update it by update the portfolio and make some changes to reflect or whether you would just like me to go to the remediation, have this completed, and then we come back and talk about making changes and altering your portfolio for the future.","start_word":3514,"end_word":3574,"intents":[{"intent":"Update portfolio","confidence_score":0.1967067},{"intent":"Make changes","confidence_score":0.047598787}]},{"text":"you know, if banks tend to go fast, so if things have a, like, the DFC, then these sorts of investments can also have a very high risk component with them. So I'd probably like to go back, reevaluate that, and because that does have to be removed out of the portfolio eventually, we could look at maybe updating that now for you, making some changes now.","start_word":3985,"end_word":4051,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.002781257}]},{"text":"I can look at a portfolio which maybe has a little bit of active management in it, is still low cost, is still ETF and easily accessible, and doesn't have anything like analog in it. Would you like Yeah.","start_word":4364,"end_word":4402,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.031870365}]},{"text":"If I look at the portfolio now, obviously, the, you know, the property and Benland Benland is really underperforming. Property is underperforming.","start_word":4507,"end_word":4528,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.0041711917}]},{"text":"having everything else actually performing quite well but seeing a very low return, you can sort of figure that it's probably got to do with one of the investments within their holding it back a little bit. So that's kind of where I've come to by looking at all of those outcomes for you. Okay. Yeah.","start_word":4978,"end_word":5033,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.08154908}]},{"text":"But it just gives you a bit of an idea on how markets react and how markets trend over time and that to get the higher returns to take on a bit more risk, but we understand there's also the the chance of a dip within the market over a period of time as well, and we wanna make sure that we get safer that you are invested in a portfolio where you're not gonna be accessing at the downtime.","start_word":5419,"end_word":5498,"intents":[{"intent":"Discuss market dynamics","confidence_score":0.04739815}]},{"text":"We are expecting a lower rate of return inside those years, but we're in more defensive income producing assets that will help to draw down your income through that time frame. Does that make sense?","start_word":5551,"end_word":5585,"intents":[{"intent":"Improve income generation","confidence_score":0.00040969832}]},{"text":"We do have to you know, if you wanna stay on board the next twelve months, go through and just resign the ongoing service agreement for the next twelve months.","start_word":5771,"end_word":5800,"intents":[{"intent":"Resign service agreement","confidence_score":0.0621523}]},{"text":"every year, as part of your annual review like this document, it outlines the expected fee based on the percentage of 1.65%.","start_word":5891,"end_word":5912,"intents":[{"intent":"End conversation","confidence_score":0.00009586545}]},{"text":"It's one of the things that I sort of brought up in the past was that this is always giving you it's 1.65%. It's always giving you an estimate on how much the fee is, but that can fluctuate depending sense. on what the market does, whereas this new fee structure will give you a lot more clarity around how that works.","start_word":6158,"end_word":6219,"intents":[{"intent":"Explain service agreement fee structure","confidence_score":0.0007388457}]},{"text":"The main reason for changing, obviously, the fee structure is that the cost of everything advice the or just based around what we do.","start_word":6317,"end_word":6340,"intents":[{"intent":"Clarify fee structure","confidence_score":0.18419202}]},{"text":"So there was so the next one is it was the authorization to collect information. Is that the one you're referring to around CareSuper? Yeah. Okay.","start_word":6999,"end_word":7024,"intents":[{"intent":"Confirm authority authority","confidence_score":0.0013556004}]},{"text":"The last thing I thought I wanted to do was just to go through and update a few additional details that I have here for you. Your income that we had noted down last year was about 230,000. Have you been lucky enough to have a pay rise since then? Yeah.","start_word":7126,"end_word":7176,"intents":[{"intent":"Update documents","confidence_score":0.089222066}]},{"text":"And then the any other things I've sort of got here, we're looking to, you know, pay off your mortgage as much as possible, directing most of your cash flow towards your mortgage goal.","start_word":7407,"end_word":7440,"intents":[{"intent":"Pay off mortgage","confidence_score":0.56329376},{"intent":"Drive cash flow towards mortgage goal","confidence_score":0.015587912}]},{"text":"I'll add that down as a future goal that we'll sort of keep track of. Fantastic.","start_word":7572,"end_word":7587,"intents":[{"intent":"Add future goal","confidence_score":0.12374582},{"intent":"Track goals","confidence_score":0.46846426}]},{"text":"Not a problem at all. And, look, I would like to maybe do a few more catch up with you. I think a lot of this you have that review with Tommy last year, if I could go through. But I do kinda feel like doing a catch up with you a little bit more often, maybe once every six months might mean that we can kind of flag things a little bit quicker with you as well.","start_word":7690,"end_word":7767,"intents":[{"intent":"Catch up with tommy","confidence_score":0.408647}]},{"text":"Would you be comfortable if I set a catch up for you once every six months to sort of Yeah.","start_word":7811,"end_word":7830,"intents":[{"intent":"Set up catch up","confidence_score":0.23845044}]},{"text":"So when we have a negative year, we understand why we understand what's happening happening and reflective of the market as a whole. But where, say, your portfolio hasn't been updated correctly or if it's just as an underperforming investment, that we can look to flag that and update advice a bit more appropriately for you. Does that sound okay?","start_word":7952,"end_word":8011,"intents":[{"intent":"Understand market","confidence_score":0.07229184}]},{"text":"The only other asset I had on here was your vehicle. Last time we caught up your asset the value, sorry, was about 15,000. What would you value your vehicle at now, do you think?","start_word":8018,"end_word":8052,"intents":[{"intent":"Value vehicle","confidence_score":0.68127346}]},{"text":"So I'm now I'm now leasing a car. Okay.","start_word":8073,"end_word":8081,"intents":[{"intent":"Lease car","confidence_score":0.011218357}]},{"text":"You still do fit within the portfolio that you're in, but I just had a couple of questions to kinda gauge whether there's any changes to that.","start_word":8131,"end_word":8157,"intents":[{"intent":"Assess portfolio fit","confidence_score":0.12025185}]},{"text":"I know I have touched on a lot today, and I'm really sorry about the things that I had to kinda go through with you.","start_word":8862,"end_word":8886,"intents":[{"intent":"Acknowledge pitfalls","confidence_score":0.0000018762721}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Adam. It's Hi. Dana from Oakley Financial. Can you hear me okay? Yeah. I can hear you now. Oh, fantastic. Sorry about that. I'm not sure what happened with the line. That's okay. Oh, good. I had to book in to go to your annual review this morning. Is now still a good time there for you? Yeah. No. It's perfect.","start_word":0,"end_word":62,"sentiment":"neutral","sentiment_score":0.07298576086759567},{"text":"Yep. Fantastic.","start_word":63,"end_word":64,"sentiment":"positive","sentiment_score":0.46286678314208984},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yeah. Sure.","start_word":65,"end_word":96,"sentiment":"neutral","sentiment_score":0.25873687863349915},{"text":"Fantastic.","start_word":97,"end_word":97,"sentiment":"positive","sentiment_score":0.4501886367797851},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address on file. Yeah. It's Adam Novak. Yep. Twenty ninth of the eighth Yep. 1978. And the Yep. do you need my address as well? Yes. 76 Lewis Street, Maryville.","start_word":98,"end_word":151,"sentiment":"neutral","sentiment_score":0.12433261424303056},{"text":"Beautiful. Thank you so much for that.","start_word":152,"end_word":158,"sentiment":"positive","sentiment_score":0.5497652888298035},{"text":"Adam, as part of your annual review, we do normally send through some documents for you to view with us. Are you able to access your email so at the moment? If you can't, that's okay. I am. Yeah. Yeah.","start_word":159,"end_word":198,"sentiment":"neutral","sentiment_score":0.11116181313991548},{"text":"Beautiful.","start_word":199,"end_word":199,"sentiment":"positive","sentiment_score":0.33574461936950684},{"text":"I'll send those through to you now if you're able to jump into your email there. It does it comes from OdooSign and or it could just come from Zaynah at Odoo Financial as well. Okay. Yeah. Excellent. How's your morning been so far? No. It's still early. Yeah. Not too bad. Not too bad. I think we're on the same time zone, are we? Oh, we are. Yeah. Yeah. Yep. I actually I can live in New South Wales, so we're on the same time zone for a bit longer. But I work in Queensland, so I see it in Southport on the Gold Coast. But I live over the border in New South Wales. So I probably jump every summer. Yeah. Cool. There we go.","start_word":200,"end_word":326,"sentiment":"neutral","sentiment_score":0.09696091711521149},{"text":"Beautiful.","start_word":327,"end_word":327,"sentiment":"positive","sentiment_score":0.374289870262146},{"text":"Now it says that it has sent through to you there. Has that come through there at all? Yeah. I've got it.","start_word":328,"end_word":349,"sentiment":"neutral","sentiment_score":0.10306289792060852},{"text":"Beautiful. Excellent.","start_word":350,"end_word":351,"sentiment":"positive","sentiment_score":0.41251373291015625},{"text":"So when you jump into those documents there, the first one you should see is the summary of superannuation and insurances there. Can you see that one? I've just got the one document annual review. Do I need to click sign document? Is that what I Click need to that do? one there. Yep. And it'll take you so you can review each of the individual documents and move through them. Okay.","start_word":352,"end_word":423,"sentiment":"neutral","sentiment_score":0.07162719964981079},{"text":"Yep. Beautiful. So with the first document there, the summary of the branduation and insurance, it's just giving you an update of your balance.","start_word":424,"end_word":447,"sentiment":"positive","sentiment_score":0.3672585189342499},{"text":"So as of today's date, we're sitting at $0.5.24 $469,355.68 there. When I look back at your annual view last year, your balance was about $398,008.71. So there has been a bit of an increase, albeit the market has been a bit volatile this year. So the increases have been generally a bit lower than what we kind of expect. But I did do a bit of a review of everything prior, so I'll take you through all of that in a moment. Underneath that, you've got your care super. So we obviously kept care super in place to retain the insurances that were held within the fund there, and you've also got the top up cover on top of it. Mhmm. With your care, Super, the reset is from a bit longer ago from last year because we haven't been able to get a new third party authority applied to the account. As part of the annual review doc today, we do have a third party authority form attached. So if you can sign and return that back with the other documents there, we can have that applied so we can update the the additional balance there. Because and then part of the advice that Tommy provided last year was that there was to be a rollover, so there's probably it's gonna be a different balance of what you can see there. Okay? Yep.","start_word":448,"end_word":682,"sentiment":"neutral","sentiment_score":0.035803839564323425},{"text":"Excellent.","start_word":683,"end_word":683,"sentiment":"positive","sentiment_score":0.44240862131118774},{"text":"Now yes. So obviously, there's the the insurance with Care Super, then I noticed there's also AIA. Yeah. It looks like you've got the the care suit for the life and the CBD policy there, but then we've also got an AIA policy noted here as well. So it gives you some additional life, total permanent disability cover, and looks like income protection there as well. Do you know when that was added?","start_word":684,"end_word":756,"sentiment":"neutral","sentiment_score":0.15321912213343464},{"text":"Because I don't think I can get life insurance. I'm kind of looking at that at the moment.","start_word":757,"end_word":774,"sentiment":"negative","sentiment_score":-0.399453341960907},{"text":"So let me just go in here for you. I'm having a look back at your last advice to see if anything was kind of noted there. Because the last documents I had for annual review only noted the care supervisor. There was no additional AIA policy on top of that. And when Tommy Yeah. Because provided I this this I Sorry. I've got You're some right, under sir. I've got some underlying health conditions, so I that's why we kept the Yeah. Yep. The lock because I actually yeah.","start_word":775,"end_word":864,"sentiment":"neutral","sentiment_score":-0.06938879936933517},{"text":"I just get rejected every time.","start_word":865,"end_word":870,"sentiment":"negative","sentiment_score":-0.5057820677757263},{"text":"Yeah. Interesting, isn't it? I've got I can see that you had a stroke as well in the last couple of years. Is that right? Sorry. I couldn't No. That's okay. You've hear had a stroke in the past. that. Is that right? I did. Yeah. And I've got a heart condition as well. Yeah. Yeah. Wow. Yeah. That's not got a security currency here at all. Let me check if you see if there's any because it says that those are being paid out of POG 24. Let me see if there's any insurance premiums coming out. Because, yeah, I haven't looked at, like, the super and everything. I've just been looking at this stuff and we're going it says it's a lot of AIA insurances here as well. You don't remember ever applying for or going through, like, the underwriting process to apply for any additional coverage that was accepted? No. I didn't. No. Interesting. Paid until there's definitely nothing coming out of here. Nothing coming out of there. There's Mississippi of the time being noted there. Leave that one with me. I'll go so I can get to verify because I don't think that is accurate either. I just there's nothing coming out of your hub twenty four account. I'm not sure where they pulled Yes. those figures for, but there is definitely I'm just logged in to AIA, and there's definitely nothing to the end of your name that I can see at the moment. So ignore that one for the moment. I do apologize about that.","start_word":871,"end_word":1131,"sentiment":"neutral","sentiment_score":-0.1278741448775105},{"text":"That's not accurate or good. I don't like Yep. that at all.","start_word":1132,"end_word":1143,"sentiment":"negative","sentiment_score":-0.5646677017211914},{"text":"So I will go back and get them to re clarify. If there is anything that we've been able to find that just hasn't kind of been brought up in the past, I'll let you know. If that's definitely not accurate, then I'll let you know there. But let's kinda focus on the care super insurances for the moment there. So looking at your life and CPD, I know that you're well aware that you're not really able to gain new color at the moment due to the heart condition and your previous health history. Yep. But in the event of passing so if you focus on what you've got at the moment, the life and TPD, or is this the life to start with, If you were to say pass away based on the current benefit, you've got 200 and one thousand two hundred and fifty, but then your sister is also released on top of that. So we've got some care as well as you have 24 benefits. It realistically Yeah. gives you a little over 600 of thousand dollars there, 600 and nearly 70,000, essentially. Are you sort of happy with that? What would you want that to cover? Because having a look, your mortgage is a little bit higher than that. Is that right? It is. Yeah. Yeah. So then it would pay off most of the mortgage or could sort of be paid out, you know, to look after your family. You've got three kids. Is that right? Yes. Yep.","start_word":1144,"end_word":1398,"sentiment":"neutral","sentiment_score":-0.021761709824204445},{"text":"Beautiful.","start_word":1399,"end_word":1399,"sentiment":"positive","sentiment_score":0.536395251750946},{"text":"And where do you sort of want that benefit to be paid paid to? What would you want them to be able to do with that benefit? Alright. Yeah. I think my wife would probably pay off the mortgage, and who knows. Right? Yeah. Yeah. It's always up to them. We always say, this is what we want you to do with the funds, but it always sort of comes down to what they would wanna do. If in the event you were to say pass away, does your wife work? Is she working currently? Yeah. She works full time. Yeah. Okay.","start_word":1400,"end_word":1501,"sentiment":"neutral","sentiment_score":0.01833584504749845},{"text":"Perfect.","start_word":1502,"end_word":1502,"sentiment":"positive","sentiment_score":0.33727511763572693},{"text":"So realistically, she could, you know, draw the funds down. It's based on your mortgage, last time we checked your mortgage, we're just sitting at 890,000. Has that kind of reduced a bit since you last caught up with us? Let me have a look. That's okay. You're fine. Yeah. It's 843 Okay.","start_word":1503,"end_word":1555,"sentiment":"neutral","sentiment_score":0.03295546770095825},{"text":"Beautiful. Definitely.","start_word":1556,"end_word":1557,"sentiment":"positive","sentiment_score":0.4911778867244721},{"text":"It's in there. Are you sort of paying more on top thousand. of that at the on top of the mortgage at the moment to try and reduce it as quickly as possible? No. I don't have an offset with my mortgage, so I've just Yep. yeah. No. I just pay off what I need to, and then I've got just money staying in the savings account. Okay. Beautiful. And in savings, how much do you have sitting in there at the moment? I think there's about 15,000. Yep.","start_word":1558,"end_word":1646,"sentiment":"neutral","sentiment_score":-0.010089736431837082},{"text":"Beautiful. Fantastic.","start_word":1647,"end_word":1648,"sentiment":"positive","sentiment_score":0.43321457505226135},{"text":"R15,000. Excellent. Yeah. So I think with it look. With the with the the life insurance, look. I'm I'm aware of my situation.","start_word":1649,"end_word":1671,"sentiment":"neutral","sentiment_score":0.16512084007263184},{"text":"That's why I think I'm happy to keep care.","start_word":1672,"end_word":1680,"sentiment":"positive","sentiment_score":0.3516678214073181},{"text":"So it'd be going. But, yeah, I do need to understand what this why the AIA policy Lovely. is Yeah. sitting there. Of course. Yeah. Of course. Understandable. What I'll do is after the call, I'll go back. I'll get my admin team to have a little look into it to find out why it was even noted there. I can shoot you an email after the call to let you know once they've done the investigation to what the deal was and yeah. Whether there's Yeah. actually anything there. Because, I mean, realistically, if there's some sort of older policy that's found, great. Let's look at that. Let's, you know, see what it does for you. Yeah. Absolutely. If they unfortunately haven't and then put it there by mistake, then that's not okay.","start_word":1681,"end_word":1814,"sentiment":"neutral","sentiment_score":-0.006329165688201563},{"text":"That should should not be noted because I don't wanna give you false hope.","start_word":1815,"end_word":1828,"sentiment":"negative","sentiment_score":-0.3629324436187744},{"text":"Absolutely. Yeah. Yeah.","start_word":1829,"end_word":1831,"sentiment":"neutral","sentiment_score":0.12993648648262024},{"text":"Excellent. All good.","start_word":1832,"end_word":1834,"sentiment":"positive","sentiment_score":0.5650367140769958},{"text":"With the TBD cover, now do you understand how total permanent disability cover works, what it means, how it's paid out, things like Yeah. that? Yes. Yep. Got a Yep. good understanding of that?","start_word":1835,"end_word":1868,"sentiment":"neutral","sentiment_score":0.09014236927032472},{"text":"Beautiful.","start_word":1869,"end_word":1869,"sentiment":"positive","sentiment_score":0.48435890674591064},{"text":"So you do have the same level of CBD within your care through there as your life cover. In the event of the CBD claim, we can also claim incapacity against the super benefit there. So what I'd be sort of lacking to do, because you do have that gap in the risk side of things, is try to boost the super as much as possible. So it provides a greater benefit in the event of a claim long term, as well as providing for your long term retirement needs down the track there as well. With your Yep. super side of things, are you, with your expenditure at the moment, are you finding with your with the way living costs are that you have extra money to maybe be able to put in the city because of a biodegraded benefit, or is it not really a possibility now? You're not really wanting to do that? Yeah. I just think, you know, the the kids' school expense and things that I think, you know, what, in a couple of years' time, are we definitely pumping up the super? Yep. Just Yeah. the school You know, fees kids braces. and living expenses is not There's possible. just there's just there's just there's just at the moment, which yeah. Yes. Yes. Absolutely. No. That's okay. That's not a problem at all. We'll make a note to sort of look at that and leave this down the track. Not an issue. Yeah. And with your retirement goals, we had done that you're sort of hoping to be able to retire fully access to around about the age of 60. Is that still your goal age, or has that sort of Yeah. Yeah. Yeah. Looks it's just changed?","start_word":1870,"end_word":2163,"sentiment":"neutral","sentiment_score":0.04689556132165753},{"text":"it'd be amazing.","start_word":2164,"end_word":2166,"sentiment":"positive","sentiment_score":0.4945642352104187},{"text":"Yeah.","start_word":2167,"end_word":2167,"sentiment":"neutral","sentiment_score":0.31846052408218384},{"text":"That's okay.","start_word":2168,"end_word":2169,"sentiment":"positive","sentiment_score":0.3771835863590241},{"text":"We'll work on that for you. Not a problem at all.","start_word":2170,"end_word":2180,"sentiment":"neutral","sentiment_score":0.30974406003952026},{"text":"Retire as soon as we possibly can so we can enjoy our life while we have the chance to. Yeah. Fantastic. Excellent.","start_word":2181,"end_word":2202,"sentiment":"positive","sentiment_score":0.3938235640525818},{"text":"Now if I can get you to move to the next document for me, the next one along is the performance with internal rate of return. This is sort of showing you how all the individual within your super has performed over the past twelve months there. Having a look at things now, this is where I sort of did a little bit of booking ads over the beforehand. I'm gonna be really honest with you. There is something that sort of flagged with me that I'm gonna take to our senior management team and have already brought up with them. Tommy gave you some advice last year, Yeah. but that was around about late last year where he had recommended to change the investment portfolio there. He had recommended just to keep it in that growth environment but to sell some of the underperforming investments and to remove that down along Australian equities investment. Do you remember going through that with him? I do. Yeah. Yeah. Beautiful. Unfortunately, it did looks like it hasn't actually gone through the swap. So you still do technically have that along Australian equity in your investment portfolio, Yeah. and that Right. is pulling things down a little bit. So I wanted to stand out a little bit. Hey. I've done this investigation for you. I can see this is here. This should not have been here. I'm Yeah.","start_word":2203,"end_word":2437,"sentiment":"neutral","sentiment_score":0.000646804750431329},{"text":"No. honestly not very happy with how with it still being there.","start_word":2438,"end_word":2449,"sentiment":"negative","sentiment_score":-0.37811607122421265},{"text":"It is still holding your portfolio back a little bit. All the other investors have been performing quite well. Sorry. You're right here. Yes. That's down 20%. Is that right? It is. Correct. Yeah. Correct. Correct. And then along has had a bit of a volatile year. It had started sort of taking a bit of a dip at the end of last year, and that's when sort of Tommy had provided that advice to sell you out of the Benelon Australian Equities, and he was just looking to move you into another active loan that is done called Alfinity. So it looks like that investment switch Do did not you go through. know why So I didn't you do you still know why have I the didn't Benelon. do you know why I didn't It's go through? just being it's just being missed.","start_word":2450,"end_word":2593,"sentiment":"neutral","sentiment_score":-0.09707914251420233},{"text":"It looks like it has been a bit of an administration error.","start_word":2594,"end_word":2605,"sentiment":"negative","sentiment_score":-0.3591332733631134},{"text":"They've started the implementation, and it hasn't been completed. So I will go back to our senior management team, and I've already flagged an email to send off shortly to say this would be advised. It's not how has not happened. The way this sort of works for you is our senior management team will go back and investigate wholly as to what happened, where the the process fell down. They will look at the portfolio that was originally recommended for you in that last advice document and look at how this portfolio has performed as well. If the newer portfolio that you were recommended has performed better, it'll go through remediation, and OP Financial should remediate you and put a bit extra money in system to replace, essentially the loss that has been seen as a result of that error. Yeah. Look. Thank you.","start_word":2606,"end_word":2750,"sentiment":"neutral","sentiment_score":-0.13738244771957395},{"text":"I appreciate that because, yeah, that's thank you for that response because yeah.","start_word":2751,"end_word":2763,"sentiment":"positive","sentiment_score":0.4278666079044342},{"text":"No. Because No. I thought It's I mean, that's definitely why that's not why okay. I use I that's why I use you guys. Right? And if you don't Absolutely. act act on the advice we agreed to and then yeah. Yep. Since yeah. Okay. Thank Worst you. off. Yeah. No. No. Absolutely.","start_word":2764,"end_word":2816,"sentiment":"neutral","sentiment_score":-0.14923590421676636},{"text":"I do understand that, and I'm definitely not happy that this occurred for you. It's certainly not the first call I wanted to make this morning, so I can only apologize for that. It's something I found as part of doing the research for your annual review. I'm also not entirely happy that the admin team doesn't just add an AIA policy to your other documents as well.","start_word":2817,"end_word":2884,"sentiment":"negative","sentiment_score":-0.4758511483669281},{"text":"So Yes. I'll Yeah. go back and just have a bit of word about the accuracy side of things. Obviously, we I certainly expect a lot more from my team, and they would expect a lot from from me. You pay for our services, and you expect a lot more from us as well. So we've definitely let you down in that department.","start_word":2885,"end_word":2947,"sentiment":"neutral","sentiment_score":-0.08168163789170128},{"text":"I'm not impressed about it.","start_word":2948,"end_word":2952,"sentiment":"negative","sentiment_score":-0.6631065607070923},{"text":"I wanna do the right thing by you, so I will flag it with our senior management team. They will look at it, investigate it, and remediate you. I do have to let you know that if we find out that this portfolio, albeit, is a little bit lower than we expect, has performed better than the recommended, there would be no additional remediation made. But, I mean, Venalong is down pretty heavily, so I generally have no deposit investment that performed better than Venalong because of what's kinda going on there. Yeah. So I will flag that with you, and I'm very sorry that that occurred. Okay.","start_word":2953,"end_word":3060,"sentiment":"neutral","sentiment_score":-0.14547571539878845},{"text":"With everything else within your portfolio, though, most other things have performed really well.","start_word":3061,"end_word":3074,"sentiment":"positive","sentiment_score":0.34788748621940613},{"text":"Looking as a whole, you think hybrids are they are more of a defensive investment.","start_word":3075,"end_word":3089,"sentiment":"neutral","sentiment_score":0.30199024081230164},{"text":"You've got global cybersecurity, and they're up over 7%, which is quite nice.","start_word":3090,"end_word":3102,"sentiment":"positive","sentiment_score":0.4075362980365753},{"text":"So the other side of the Australian equity portion is really sort of look at then along being down isn't just about the market because the market has been very up and down this year. Overall, market haven't performed as they have over the past couple of years, and this year that the average return in super and in investments is down a little bit as well. But the third investment down there, the that's the beta of the Raffy. That's Australian equity. It's giving you access to exposure into some of the, you know, biggest 200 companies on the ASX within large and mid cap space. And essentially, that's up to 13.92%. So to see Australian equity is actually doing really well at the moment, but to see it's been a long down sort of shows you guys issue within the fund itself and Yep. not and not because of the market as a whole. Okay? Yeah. We've also got the battery lithium tech, which has been one of your best performers up over 35% of the portfolio currently. Physical goal again has done quite well. We have had a bit of volatility within that this year. For composite bonds, the bonds have taken a little bit of a hit. You're still showing a positive return there, but bonds have taken a bit of a hit in the market this year with the high inflationary pressures within Australia. Yep. And the S and P 500 is, again, doing really well, so that has taken a bit of an up and down. We with what's been happening globally, US and Australian equities have sort of seen that up and down trend.","start_word":3103,"end_word":3383,"sentiment":"neutral","sentiment_score":-0.05429087635593694},{"text":"But overall, this year has come out with a positive return, so it is good to see.","start_word":3384,"end_word":3400,"sentiment":"positive","sentiment_score":0.6362016201019287},{"text":"The property side of things there is a little bit low. That is a lot to do with what sort of being happening with the legislative side of things. So there's been updates and changes to capital gains tax, maybe with gearing, and also borrow within stuff on your super fund side of things.","start_word":3401,"end_word":3454,"sentiment":"neutral","sentiment_score":-0.13623526692390442},{"text":"The property has taken a little bit of a hit after all those changes there. It is down within the portfolio.","start_word":3455,"end_word":3475,"sentiment":"negative","sentiment_score":-0.4053760170936585},{"text":"Realistically, I would like to sort of put this through and look at getting the remediation sorted for you, but I'm there are some changes that we could definitely look to make within the portfolio as a whole. I wanted to find out from you if you would like me to go back and maybe update it by update the portfolio and make some changes to reflect or whether you would just like me to go to the remediation, have this completed, and then we come back and talk about making changes and altering your portfolio for the future. What is more what would you like me to do? How would you like me to attack this for you? I think we do both. Yep. Yep.","start_word":3476,"end_word":3601,"sentiment":"neutral","sentiment_score":0.02116607315838337},{"text":"Happy for both. Beautiful.","start_word":3602,"end_word":3605,"sentiment":"positive","sentiment_score":0.46578556299209595},{"text":"Yeah. Yeah. Just wanted to make sure you're comfortable with me going at it wholeheartedly. I'll just Yeah. we'll No. get I remediation would love a job in interview. the background. Yeah. Yes.","start_word":3606,"end_word":3638,"sentiment":"neutral","sentiment_score":0.14133648574352264},{"text":"Beautiful.","start_word":3639,"end_word":3639,"sentiment":"positive","sentiment_score":0.3409363031387329},{"text":"And I'll update the portfolio. I think I'm looking at sort of maneuvering the property side things as well. Property has had a a bit of a hit. We don't know what it's gonna do down the track, so we could And look at investing in property in other ways within the fund. Sorry. You're alright. Yeah.","start_word":3640,"end_word":3696,"sentiment":"neutral","sentiment_score":-0.048178911209106445},{"text":"My gut feel is I mean, with property, with with, you know, big AI wave, you know, it we're we're gonna see a lot of job cuts, which may well, you know, of of white collar workers who won't be able to afford their mortgage.","start_word":3697,"end_word":3741,"sentiment":"negative","sentiment_score":-0.4271770119667053},{"text":"I Yeah. my gut feeling is that we we've probably seen the peak property prices. I just think that I just think Yeah.","start_word":3742,"end_word":3764,"sentiment":"neutral","sentiment_score":-0.2630678117275238},{"text":"that can drop.","start_word":3765,"end_word":3767,"sentiment":"negative","sentiment_score":-0.5107222199440002},{"text":"So I don't know. I mean, Yeah. it's it's not you never you can't really speculate on these things, but yeah. No. Completely understandable. The other thing that we'll be changing down the track is the bank hybrid. So these are the defensive investment. I'm more of a complex investment. The bank the government has come out earlier this year saying they are gonna look at phasing those sorts of investments up down the track. They are trying to streamline and make investment products a little bit easier for the average everyday Australian to understand, and big hybrids are a little bit like bonds and a little bit like shares. They're kind of a combat hybrid investment where they Yeah. you're basically Yeah. putting money into the banks and getting an income back, but they're also tradable and grow like shares. So they are very complex. They can be, but they're more defensive to the low risk because they tend to get a low rate of return, but there is still a risk factor with them. If you sort of think back to the DFC where, you know, banks were building these different hybrid products, They work really well for a period of time, but then they do also have that downside to them. Yeah, And, ma'am.","start_word":3768,"end_word":3984,"sentiment":"neutral","sentiment_score":-0.03676922246813774},{"text":"you know, if banks tend to go fast, so if things have a, like, the DFC, then these sorts of investments can also have a very high risk component with them.","start_word":3985,"end_word":4015,"sentiment":"negative","sentiment_score":-0.3499716818332672},{"text":"So I'd probably like to go back, reevaluate that, and because that does have to be removed out of the portfolio eventually, we could look at maybe updating that now for you, making some changes now.","start_word":4016,"end_word":4051,"sentiment":"neutral","sentiment_score":-0.1372152417898178},{"text":"That way, over the next couple of years, we hopefully won't have to make such big changes, and that allows the portfolio to compound a little bit better for you.","start_word":4052,"end_word":4081,"sentiment":"positive","sentiment_score":0.3681480586528778},{"text":"How does that sound? Yep.","start_word":4082,"end_word":4086,"sentiment":"neutral","sentiment_score":0.22752973437309265},{"text":"That sounds great. Yep. Beautiful.","start_word":4087,"end_word":4091,"sentiment":"positive","sentiment_score":0.5608990788459778},{"text":"The other thing to sort of think about is when Tommy did the advice last year, he was recommending to replace the banner long Australian equity with a with a fund called Alfiniti. It is an actively made fund there as well. When you tend to have these sorts of active managers within your portfolio, you do pay a little bit more in the way of fees for those sorts of things. If you want me to sort of keep that active management in there, active managers are trying to outperform against the market. There's definitely no guarantees they're going to. And as I said, you do pay a little bit more for that. Or I can sort of get that the portfolio to make it more passively managed, make it, you know, more ETF, market tracking, and make it more lower cost for you. So fees so more money's left in your portfolio working part of the you. Would you like to have that active management side, or would you like to just focus on low cost in your portfolio? What's more important to you? What what's more important is is the highest return. Mhmm. So so I don't know. What what's your advice? Well, realistically, with where you are, you've got about twelve years before you're able to access super at this point. So focus on Yeah. your birthdays coming up in the next few days there. Yeah. Yeah. Essentially, with where you are, you you are young enough to take on a little bit more risk in the market to have those active managers in there. That's absolutely fine. I can look at a portfolio which maybe has a little bit of active management in it, is still low cost, is still ETF and easily accessible, and doesn't have anything like analog in it. Would you like Yeah. me to sort of look at I can look at the best of both worlds and sort of allocate that for you if that would work for you.","start_word":4092,"end_word":4430,"sentiment":"neutral","sentiment_score":0.1099175214767456},{"text":"That would be great. Thank you.","start_word":4431,"end_word":4436,"sentiment":"positive","sentiment_score":0.6053494215011597},{"text":"Yes. That's okay. I know I bet you a lot, and this has been probably not the conversation you thought it was gonna be today. But do you have any questions for me at the moment? Anything that you want me to kind of reflect on or anything that you might want me to touch on that I haven't yet? No. I think I think if I look at look.","start_word":4437,"end_word":4506,"sentiment":"neutral","sentiment_score":-0.0568142617387431},{"text":"If I look at the portfolio now, obviously, the, you know, the property and Benland Benland is really underperforming. Property is underperforming.","start_word":4507,"end_word":4528,"sentiment":"negative","sentiment_score":-0.4193703830242157},{"text":"Yes. I mean, it's like the the combined ETF units are low. I mean, the the S and P 500 is not too bad. I I mean, things are performing okay. Just those two outliers, really. Mhmm. Yeah. Correct. Absolutely. Absolutely. And if you look at the next page there, with your portfolio as a total net of fees, it is has performed about eight point sorry. 4.83% after fees. It's after admin fees, out fees, everything. But that 4% of your portfolio over the past twelve months has averaged you 30,153 in dollar figures. So whilst it is still a good good dollar figure, it is a low net return for the year. Yeah. A lot of it Yep. is held back because of that banner long, and I do kinda wanna build on that. But it would have been good to see a much greater return there and see definitely a higher earning figure because it sort of shows what your portfolio can do if it was sort of set up correctly, essentially. And what was the return But yeah. the what was the return last year? I can pull that up for you. Have a look. 2025 annual review. There we go. So in the 2025 annual review, the return there was 12.54%. Yeah. Okay. So it's much higher. It was much higher. Yeah. Banner loan was still at a lower point. It was up still by 3%. But yeah. I mean, there are gonna be years when you don't get the average return that you're after that is gonna be because of market ups and downs. We do expect a negative year. But when Yeah. we see a negative year, we sort of wanna understand and see that, you know, the S and P five hundred is down, that the ASX is down.","start_word":4529,"end_word":4835,"sentiment":"neutral","sentiment_score":-0.025355280366353084},{"text":"You wanna see those passive investments taking a hit as well. You don't wanna see the ASX, the S and P five hundred doing really well, but your return being low because then that's more of a trigger that it's the portfolio that's not working.","start_word":4836,"end_word":4880,"sentiment":"negative","sentiment_score":-0.3470557928085327},{"text":"It's not the market as a whole. Yeah. If we were in, you know, like, the COVID event or the DFC sort of event or if markets have taken a big dip like they did in around March and April because of what was happening, you know, between The US and Iran war and Trump tweeting, you know, each day, Yeah. those sorts Yep. of events you go, yeah. Okay. The market's down.","start_word":4881,"end_word":4953,"sentiment":"neutral","sentiment_score":-0.15441855788230896},{"text":"I expect my portfolio to sort of follow that trend and be down as well, and negative returns expected in those instances.","start_word":4954,"end_word":4975,"sentiment":"negative","sentiment_score":-0.3373069167137146},{"text":"However, Yeah. having everything else actually performing quite well but seeing a very low return, you can sort of figure that it's probably got to do with one of the investments within their holding it back a little bit. So that's kind of where I've come to by looking at all of those outcomes for you. Okay. Yeah. Yeah. Yep.","start_word":4976,"end_word":5035,"sentiment":"neutral","sentiment_score":-0.20892451703548431},{"text":"Beautiful.","start_word":5036,"end_word":5036,"sentiment":"positive","sentiment_score":0.3386901021003723},{"text":"Does that make any does that make sense? Do you have any additional questions on any of that at all so far? Or Yeah. No. No more questions. Thanks. that's okay.","start_word":5037,"end_word":5067,"sentiment":"neutral","sentiment_score":0.050295669585466385},{"text":"Beautiful. Thank you so much for going through that with me.","start_word":5068,"end_word":5078,"sentiment":"positive","sentiment_score":0.4733557999134064},{"text":"The next document attached are the the we've got the sorry. The Vanguard index chart there for you. That's essentially a bit of a a guide showing you how markets react over time. I believe you have a shared portfolio in your own name as well. Is that right? I do. Yeah. Yeah. Yeah. Value we had on that was about a 100,000 last year. Has that increased in value recently? Is that a bit higher at the moment? I think it's I think it's about 80,000, because I've been I've been spending shares. So it's just one share type. And it's Yes.","start_word":5079,"end_word":5181,"sentiment":"neutral","sentiment_score":0.03947468101978302},{"text":"not one like, every time I sell shares, it it's not really worth it because I was gifted from an employee.","start_word":5182,"end_word":5202,"sentiment":"negative","sentiment_score":-0.43197259306907654},{"text":"Yeah.","start_word":5203,"end_word":5203,"sentiment":"neutral","sentiment_score":0.19320957362651825},{"text":"So I and love they'll you. get gifted, like, $2.","start_word":5204,"end_word":5213,"sentiment":"positive","sentiment_score":0.46066373586654663},{"text":"Now they're worth, like, $8. So it's every time I sell them, I get a hit Yep. at tax price. Yep. Yes. Yeah. Yes. It's a bit like that. I understand that. Are you sort of hoping too long term to sort of hold on to those shares and maybe sell them down in retirement for additional cash or maybe just hold on to them and pass them on to your family? What's your sort of goal with that? Do you have a goal with those shares? No. It's it's it's more there for rainy days. Just because, you know, I get about Yes. about, I think, 3 to 4,000 in dividends each year. So I was kinda K. like, you know what I mean? Yep. It's just so, yeah, they're just sitting there. Yes. I don't have any plans for them. Beautiful. Yeah. No. That's okay.","start_word":5214,"end_word":5360,"sentiment":"neutral","sentiment_score":0.03100687637925148},{"text":"That's excellent.","start_word":5361,"end_word":5362,"sentiment":"positive","sentiment_score":0.5814974904060364},{"text":"Well, with this Vanguard chart, I mean, as I said, you've got some shares in your own nature. You sort of understand how markets go up and down. I'm more than happy to talk you through this if you would like to, but I also am sure someone's gone through this in the past with you. But it just gives you a bit of an idea on how markets react and how markets trend over time and that to get the higher returns to take on a bit more risk, but we understand there's also the the chance of a dip within the market over a period of time as well, and we wanna make sure that we get safer that you are invested in a portfolio where you're not gonna be accessing at the downtime. So, essentially, as you get closer to retiring, we'll start to reduce Yeah. your risk level in the market, drop it down in generally in 10% increments, so it's a gradual step down.","start_word":5363,"end_word":5531,"sentiment":"neutral","sentiment_score":-0.015094258822500706},{"text":"So by the time you get to accessing super, you've hopefully got a good a good balance within super.","start_word":5532,"end_word":5550,"sentiment":"positive","sentiment_score":0.4959847629070282},{"text":"We are expecting a lower rate of return inside those years, but we're in more defensive income producing assets that will help to draw down your income through that time frame. Does that make sense? It does. Yeah.","start_word":5551,"end_word":5588,"sentiment":"neutral","sentiment_score":0.20579184591770172},{"text":"Yep. Beautiful.","start_word":5589,"end_word":5590,"sentiment":"positive","sentiment_score":0.46632200479507446},{"text":"The next document along is the OCE Financial Services Guide. This is more of a a legal document. We do provide that to everyone that outlines who we are, what we do, how we do it. Tommy, myself, all the other advisers, we are, like, noted in here with a lovely glossy photo, a bit of information on us, but also what's important is our licensing information. So we are full licensed advisers, or we're all registered through ASIC, and all that information is in here for you should you wanna go to and have a bit of a read of that. It does also update all about changes in the business and things like that. Having a look at the next document is the ongoing service agreement for the next twelve months there. So, obviously, I wanted to stand up and let you know there have been some things that have gone wrong this year.","start_word":5591,"end_word":5746,"sentiment":"neutral","sentiment_score":0.0986924022436142},{"text":"It's, you know, not something I'm very happy about.","start_word":5747,"end_word":5755,"sentiment":"negative","sentiment_score":-0.4759572744369507},{"text":"I wanna go back and make sure that the team look after that for you. We do have to you know, if you wanna stay on board the next twelve months, go through and just resign the ongoing service agreement for the next twelve months. Our fees are changing a little bit down the track. It's not affecting you at all this year. We're still keeping everything the same this year. But next year, all of our fees actually becomes more of a key structure. So when your balance is 200,000, it drops down from the 1.65% tier into the next tier down, which is 1.375. Once you balance it over 500,000, it drops down to the next tier. So, essentially, as your balance increases, we drop down into a different tier structure. And Yeah. every year, as part of your annual review like this document, it outlines the expected fee based on the percentage of 1.65%. What we'll essentially do at any review time is we'll go back and work out the exact dollar figure of the of the ongoing service agreement for that twelve month period. We do add 5% growth onto the total, And then we will show you as a dollar figure how much you're gonna pay for the year. Unlike the previous years where it's 1.65%, but it does fluctuate with the market. It goes up and down. It means that when the market goes down, our fee takes a bit of a dip there with it. However, when the market does see, like, a 10 or 20 or 30% increase, then, obviously, your fee increases there with it as well. That also encompasses contribution. So if your contributions are going into your super fund and you're seeing know, a lot of growth, that 1.65% has always been based on the total balance. So it is also being paid on top of the contributions going in. What we'll be doing is looking at your total balance, seeing where you sit within the tier structure there, and working out the total fee for the year. It won't be an estimate. It'll be a set dollar figure. So you know you will not pay any more than that amount for that year. It'll be a lot more clarity for you. Does that make sense? And do you have more questions around that at all? No. That makes Yeah.","start_word":5756,"end_word":6156,"sentiment":"neutral","sentiment_score":0.052595407713641254},{"text":"Beautiful.","start_word":6157,"end_word":6157,"sentiment":"positive","sentiment_score":0.4573037922382355},{"text":"It's one of the things that I sort of brought up in the past was that this is always giving you it's 1.65%. It's always giving you an estimate on how much the fee is, but that can fluctuate depending sense. on what the market does, whereas this new fee structure will give you a lot more clarity around how that works. I believe that as one of the emails, the newsletters we sent out a few weeks back and I had a bit of back in there. Do you remember receiving that newsletter? Did you have it read through it at all? I I didn't rate it. No. No. No. That's okay. It is in the financial service guide that I've got here for you as well. So before you sign those documents, if you wanted to take some time to have a read through that one, let me know if you do happen to have any questions. The main reason for changing, obviously, the fee structure is that the cost of everything advice the or just based around what we do. A lot of that has changed over the past couple of years, and we've never changed that fee structure. It's always been exactly the same. So we wanted to make it a little bit more client friendly. So it does mean that as your super balance increases over time, you drop into the next tier down, which reduces the percentage which you're paying on your fees. It does also mean that instead of capping our fees at 600,000 moving forward, they're capped at 2,000,000. So by reducing the overall percentage each fee over the longer term as your balance grows, you'll pay a little bit more for our services, but the percentage you pay that on is decreased as your balance increases. So it's about making sure that growth is still occurring. And by having a set dollar figure noted out, it's giving you more certainty around what our what the fees are for our services that year so that you're not, you know, estimating what it could be depending on market change is essentially is is designed to give you more clarity around that, but make sure that we're being remunerated for our services because of a lot of what we do behind the scenes. The advice we do provide, all that is included in our ongoing service fee. We don't charge additional implementation fees for advice around super and insurances and things like that. So it's about making sure that it's all incorporated correctly, and the cost of everything has increased. The cost of living has increased. The cost of running a business and providing advice has also increased as well. So I just wanted to clarify that for you and make sure you have all that information.","start_word":6158,"end_word":6630,"sentiment":"neutral","sentiment_score":0.11421455326342432},{"text":"And the ongoing the financial services guide has a nice big breakdown of that for you for you to run your eyes over as well. If you find you have any questions, you're welcome to let me know.","start_word":6631,"end_word":6668,"sentiment":"positive","sentiment_score":0.4405566155910492},{"text":"Does that make sense? And do you have any additional questions on that at all? I don't know. No? That's okay. Forward?","start_word":6669,"end_word":6690,"sentiment":"neutral","sentiment_score":0.06143960356712341},{"text":"Beautiful. You'll be able to take that back and have a look at the documents prior to signing onboard.","start_word":6691,"end_word":6709,"sentiment":"positive","sentiment_score":0.5047046542167664},{"text":"I'll go back and see if I've seen your management team, get the remuneration side of things in place, and then I'll also get it back and update the advice for you, reassess everything. As I kinda mentioned, the last document in there is the third party authority for CareSuper. We do need to have a new one signed to be able to do the research around the balance you have, the insurance within there for you, and also how things are invested. We'll go back and research all of that once that document comes back, and we're able to apply that to the account so that we can kind of update the advice for you and have it all reflective and also get the remuneration sorted for you nice and quickly. Okay? Okay. So should I sign this document now knowing that you'll be looking at remediation Is and that the new advice? it's up to you. You we do ask that you sign it all and send it back to us as soon as possible. However, if you wanna take it back and read it first, I have no qualms with that.","start_word":6710,"end_word":6903,"sentiment":"neutral","sentiment_score":0.16638733446598053},{"text":"I'm more than happy for you to give it a day or a week, whatever you're comfortable with.","start_word":6904,"end_word":6921,"sentiment":"positive","sentiment_score":0.5255029797554016},{"text":"Obviously, we do need the ongoing service agreement back by us providing any new advice because we provide it under the guy that you're an ongoing client. But at the same time, you can start it now if you're comfortable to. If you don't want if you wanna go back and read things first, that's absolutely fine.","start_word":6922,"end_word":6978,"sentiment":"neutral","sentiment_score":0.14978057146072388},{"text":"I have no problems with that. I would rather do it at a comfort level that's right for you.","start_word":6979,"end_word":6997,"sentiment":"positive","sentiment_score":0.418398380279541},{"text":"Okay. So there was so the next one is it was the authorization to collect information. Is that the one you're referring to around CareSuper? Yeah. Okay. That's correct. Yeah. So no. It's a third party authority there which will have applied the funds. Yeah. Okay. I've All signed good. both documents.","start_word":6998,"end_word":7049,"sentiment":"neutral","sentiment_score":0.035005927085876465},{"text":"Beautiful.","start_word":7050,"end_word":7050,"sentiment":"positive","sentiment_score":0.5487179756164551},{"text":"Did you want me to send you an an email copy of those signed documents to kick us the record for yourselves as well?","start_word":7051,"end_word":7074,"sentiment":"neutral","sentiment_score":0.05774747580289841},{"text":"I'm happy to do so.","start_word":7075,"end_word":7079,"sentiment":"positive","sentiment_score":0.5086761713027954},{"text":"Yeah. Look. No. Look. That's fine. If you can just if you can just, like, come back to me when you can, I guess, with regards to the Yeah. remediation and what the new the new plan is? Yeah. Absolutely. Not a problem at all.","start_word":7080,"end_word":7124,"sentiment":"neutral","sentiment_score":0.0934608429670334},{"text":"Beautiful.","start_word":7125,"end_word":7125,"sentiment":"positive","sentiment_score":0.538597583770752},{"text":"The last thing I thought I wanted to do was just to go through and update a few additional details that I have here for you. Your income that we had noted down last year was about 230,000. Have you been lucky enough to have a pay rise since then? Yeah. I think it's $2.40 now. $2.40.","start_word":7126,"end_word":7182,"sentiment":"neutral","sentiment_score":0.05959179624915123},{"text":"Beautiful. Excellent. Lovely.","start_word":7183,"end_word":7185,"sentiment":"positive","sentiment_score":0.5006735324859619},{"text":"I've got down so expenditure wise, you sort of made mention that life is pretty expensive. You're not really sort of saving anything. Are you managing to put anything away into a savings account on a regular basis that you would quantify at all? Not much. I mean, look, I've got a payment account for about, you know, $15. There's Yeah. obviously yes. But yeah. No. That's okay. That's absolutely fine. I think last week we had it noted, Daniel, we're managing about $500 on a weekly basis. Would it be less of that, do you think? Yeah. It'd be about the same. Yep.","start_word":7186,"end_word":7289,"sentiment":"neutral","sentiment_score":-0.0466756746172905},{"text":"Beautiful. Excellent.","start_word":7290,"end_word":7291,"sentiment":"positive","sentiment_score":0.38974228501319885},{"text":"I've also got down here the other additional goals. You were looking to build that cash buffer for emergencies under 10,000. You've got that 15,000 sitting in the savings there as well. Are you still looking to build on that as a bit of an emergency fund, or is that kind of that goal fully met? Yeah. No. Yeah. It's not it's it's kind of fluid. As long as it kind of fits there, you know, things pop up, need braces. Alright. I've got some cash. But yeah. So it's kind of sitting where it needs to. Yep. Yep. No. That's okay. I did the braces thing with my kids. That's expensive. All good. And then the any other things I've sort of got here, we're looking to, you know, pay off your mortgage as much as possible, directing most of your cash flow towards your mortgage goal. Is that that still feels fairly relevant moving forward trying to pay that down? Are you hoping to try and have that mortgage completely gone by retirement, or do you feel like because the time is sort of about twelve years away, there's a possibility that you'll still have that mortgage in those years and maybe wanna draw on to cover the difference? Or how do you feel about the mortgage and moving forward with that goal? Yeah. Look.","start_word":7292,"end_word":7518,"sentiment":"neutral","sentiment_score":0.05431383289396763},{"text":"I still think, potentially, it's achievable.","start_word":7519,"end_word":7524,"sentiment":"positive","sentiment_score":0.4336376190185547},{"text":"You see, you know, just get through the next few years with my kids, and then I'll I'll Mhmm. have I'll Yeah. have more disposable income to then pump into the mortgage and also then also look to increase my super contribution as well. Yes.","start_word":7525,"end_word":7569,"sentiment":"neutral","sentiment_score":0.24369744956493375},{"text":"Yep. Beautiful. I'll add that down as a future goal that we'll sort of keep track of. Fantastic. Excellent.","start_word":7570,"end_word":7588,"sentiment":"positive","sentiment_score":0.6499481201171875},{"text":"Other than that, do you have any other goals that you're looking to achieve over the course of the next twelve months or even next five years at all? Well, I think over the next twelve months is is I'd, you know, I'd love to get it pulled forward back to, you know, what it was last year in terms of, you know, that 13% growth, where it was anyone's, like, 4.8 this year. So I Mhmm. think I'm keen Yep. to keen to see a better better year knowing that, you know, years do fluctuate. But yeah. Absolutely. Yeah. No. Not a problem at all. And, look, I would like to maybe do a few more catch up with you. I think a lot of this you have that review with Tommy last year, if I could go through. But I do kinda feel like doing a catch up with you a little bit more often, maybe once every six months might mean that we can kind of flag things a little bit quicker with you as well. If I see something dropping in the portfolio, we can always come back and readjust it. We don't have to wait for an annual review, and it can then we can flag things a little bit quicker when markets aren't working as well. Would you be comfortable if I set a catch up for you once every six months to sort of Yeah. touch base I would on those sorts of I things?","start_word":7589,"end_word":7840,"sentiment":"neutral","sentiment_score":0.10017676035030967},{"text":"would love that. That'd be awesome.","start_word":7841,"end_word":7846,"sentiment":"positive","sentiment_score":0.5974106192588806},{"text":"Yep.","start_word":7847,"end_word":7847,"sentiment":"neutral","sentiment_score":0.30488771200180054},{"text":"Beautiful. Fantastic.","start_word":7848,"end_word":7849,"sentiment":"positive","sentiment_score":0.6647379398345947},{"text":"I'm trying to sort of having a look at the process and how things have gone for the last few years. I've kinda set up a book now where I've been able to take on a bunch of clients. You're one of those. And if you decide I'm not your adviser, that's obviously okay. But I wanna sort of take it back to basics a little bit more and sort of have those catch up more regularly so we can fly where markets are up and down, talk you through what's happening, and and understand what's going on in in the portfolio. So when we have a negative year, we understand why we understand what's happening happening and reflective of the market as a whole. But where, say, your portfolio hasn't been updated correctly or if it's just as an underperforming investment, that we can look to flag that and update advice a bit more appropriately for you. Does that sound okay? It does. Yes. Yep.","start_word":7850,"end_word":8015,"sentiment":"neutral","sentiment_score":0.093515545129776},{"text":"Beautiful. Fantastic.","start_word":8016,"end_word":8017,"sentiment":"positive","sentiment_score":0.530480146408081},{"text":"The only other asset I had on here was your vehicle. Last time we caught up your asset the value, sorry, was about 15,000. What would you value your vehicle at now, do you think? Oh, that car yes. Probably nothing. So I've I've given that car to my to my to my son. Yep. So I'm now I'm now leasing a car. Okay.","start_word":8018,"end_word":8081,"sentiment":"neutral","sentiment_score":0.04988782107830048},{"text":"Beautiful.","start_word":8082,"end_word":8082,"sentiment":"positive","sentiment_score":0.3894914388656616},{"text":"Is so at least it's true, like, cellular packaging? Yeah. Yeah. Yeah. Yep.","start_word":8083,"end_word":8095,"sentiment":"neutral","sentiment_score":0.10498818010091782},{"text":"Beautiful. Excellent. Fantastic.","start_word":8096,"end_word":8098,"sentiment":"positive","sentiment_score":0.5515000224113464},{"text":"And the last thing to do is just to go through a really quick risk profile questionnaire just to kinda gauge whether you are investing correctly. Realistically, with your time horizon. You still do fit within the portfolio that you're in, but I just had a couple of questions to kinda gauge whether there's any changes to that. So the first one here is when you think about markets and you think about taking risk in the market, do you consider yourself comfortable taking a higher level of risk to get greater potential returns knowing that the downside is reflective of that so it's magnified? Are you comfortable taking a moderate or medium amount of risk to try and get the best returns you can or not taking any risk in the market knowing the returns are reflective of that? Where would you see yourself fitting? Probably somewhere between high and moderate. I know that doesn't help, so I'd probably say moderate. Mhmm. Yep.","start_word":8099,"end_word":8262,"sentiment":"neutral","sentiment_score":-0.005700908737575136},{"text":"Perfect. That's okay.","start_word":8263,"end_word":8265,"sentiment":"positive","sentiment_score":0.3789970278739929},{"text":"The next one here is how would you feel? Listen, Marcus took a 20% dip over the next one to three years due to what was happening generally within the world. Do you think you'd take it as an opportunity to invest a nice big lump sum, invest into the dip? Are you considering holding and waiting, calling us, and seeing what we suggest to do, or are you likely to maybe cement the loss and sell to cash? I'd probably look to you guys for advice. Yep.","start_word":8266,"end_word":8353,"sentiment":"neutral","sentiment_score":-0.009867643937468529},{"text":"Beautiful. That's a good answer.","start_word":8354,"end_word":8358,"sentiment":"positive","sentiment_score":0.4623599648475647},{"text":"Nothing to lie. The next one here is have you seen your super full in value in the past? If you have, how do these drips make you feel? Are you feeling optimistic about the investment opportunities? Are you a bit cautious, concerned, or feeling slightly anxious? Optimist. Optimistic.","start_word":8359,"end_word":8407,"sentiment":"neutral","sentiment_score":0.0846174955368042},{"text":"Beautiful. Thank you for that.","start_word":8408,"end_word":8412,"sentiment":"positive","sentiment_score":0.5869903564453125},{"text":"And the last one here that we've had in the past is, have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for state property? No. I haven't thought about borrowing for shares. Mhmm. And I've yeah. I've only ever borrowed for property, which I don't which I wouldn't I wouldn't be investing Yep. in property right now. No. No. That's okay.","start_word":8413,"end_word":8490,"sentiment":"neutral","sentiment_score":-0.04190092533826828},{"text":"Beautiful. So you've scored it as a growth investor.","start_word":8491,"end_word":8499,"sentiment":"positive","sentiment_score":0.3526220917701721},{"text":"So we do have you in that growth kind of environment, which generally sees about 80% of your super invested in those growth assets. So thinking like Australian shares, international shares, listed property, and commodities like gold and silver, and then still keeping about a 20% defensive component of things like cash, bonds, and fixed interest. When we look at the risk profile and sort of what achievable conservative rate of return the growth portfolio should be able to receive on a yearly basis, you're looking at around about seven to 9% in mid levy or wanna see a much greater return than that, but that's sort of focusing on on a conservative rate of return that could be compounded or to sort of provide growth. Anything under 7% like what we have sort of seen this year is generally an underperformance of the fund or the market is due to the market concerns. Anything over that 9% we consider to be fair. It has to Yeah. be considered over performance. Volatility wise, we do or we expect the volatility in this range to be plus or minus about 11%. So, realistically, in a good year, you could receive an additional 11% on top of that nine. In a bad year, it can drop by 11% under the seven there. So it is an expectation with the volatility. We understand how that works. And the likelihood of a negative return in this sort of environment is around about one in every five years. So it's not crazy. You're kind of when you think about the risk set scale, one being all in cash, five being all in shares and are very aggressive, you're sitting at about a three there. It's kind of mid range. It does normally suit someone as your time horizon. Generally, when you're about six years away from accessing Super, we'd be talking about reducing the risk level further. But for right now, this suits your time horizon and your capacity to sort of withstand market ups and downs. But do you feel comfortable in this environment, in this sort of portfolio still? I do. Yeah. Yep.","start_word":8500,"end_word":8859,"sentiment":"neutral","sentiment_score":-0.01758183166384697},{"text":"Beautiful. Excellent.","start_word":8860,"end_word":8861,"sentiment":"positive","sentiment_score":0.4658624827861786},{"text":"I know I have touched on a lot today, and I'm really sorry about the things that I had to kinda go through with you.","start_word":8862,"end_word":8886,"sentiment":"neutral","sentiment_score":-0.20121316611766815},{"text":"But I'm glad that we touched on the things that are really important to you.","start_word":8887,"end_word":8901,"sentiment":"positive","sentiment_score":0.6713992953300476},{"text":"I will go back and investigate the AIA policy and let you know what's going on with that one. Yep. I will also get the remediation started ASAP for you and also do that research in the meantime to get the advice updated to reflecting for you as well. Is there anything else that you might need me to work on while you've got me or anything else, information wise, you think I haven't touched on that might be of importance? No. Those three things with my actions as well. So yeah.","start_word":8902,"end_word":8993,"sentiment":"neutral","sentiment_score":0.1461215764284134},{"text":"Thank you. Absolutely. They will be at the top of my priority list, so I'll make sure they are started ASAP so that we can at least get everything updated.","start_word":8994,"end_word":9023,"sentiment":"positive","sentiment_score":0.4235982894897461},{"text":"I will be updating the advice also in the meantime, so there's a chance I mean, I will be pushing the admin the senior team to get the remuneration done as quickly as possible, but I aim to have this advice case updated for you very fast as well because I don't want you in bed along Okay. any longer than you need to be. Okay?","start_word":9024,"end_word":9089,"sentiment":"neutral","sentiment_score":0.15910205245018005},{"text":"Beautiful. Thank you so much for your time, Adam. I really appreciate it. I hope you have a really good day, and I appreciate you taking my call this morning. You too, and thanks again. Not a worry. Alright. You have a good day and a good weekend.","start_word":9090,"end_word":9137,"sentiment":"positive","sentiment_score":0.7405766844749451},{"text":"K.","start_word":9138,"end_word":9138,"sentiment":"neutral","sentiment_score":0.21605922281742096},{"text":"You too. Ciao. Bye. Great. See you later. Bye.","start_word":9139,"end_word":9147,"sentiment":"positive","sentiment_score":0.4732730686664582}],"average":{"sentiment":"neutral","sentiment_score":0.03252624446241193}}}}