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Just just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And, Lauren, I just need to ID you. Can you please confirm your full name, date of birth, and address? Fantastic. And is Nick with you at the moment? Absolutely fine. Absolutely fine. I do. Yes. Hello. Hi. Nick, just need you to confirm your full name, date of birth, and address, please. Wonderful. Thank you both so much for doing that. How's your day been so far? Yeah. Yep. Yep. I I can I can relate? So what we're going to do this morning, if that's, like oh, this afternoon, Nelly now, is just run through your review. We have sorry. I just lost my train of thought. I just what I would like to do, first of all, is run through your personal and financial information that we have on file just to make sure it's up to date and current. The majority of it would be it's more so just the employment income and assets and data assets and liability details that I'd like to run through. Nick, first of all, I have you down over direct as a director of strategic partners. Is that still correct? Yes? Yes, please. So it's the same title? Okay. Okay. And who is your new employer? Beautiful. Thank you. And you're employed full time? How many hours per week? Yep. Yeah. Okay. Beautiful. Fantastic. And your you said your income's changed a bit. What is that now? Yep. Yep. Okay. Beautiful. And we have I'll jump back to that in a second, Lauren. I'll just run over yours first. We have you down as a sales rep for medical devices and sales. Fantastic. And your employer is AMBU? Full time still. Yep. And standard hours. Yeah. How many years have you been with them for? Beautiful. And your income, we have at a 118,000 with a potential bonus of 20 to 25% on top of that. Yep. Okay. Beautiful. We have both the household expenditure of $3,500 a week. Would that still be correct? Okay. And does that include mortgage or no? Nope. So the mortgage repayments are in dish addition to the three and a half. Includes it? Oh, beautiful. Alright. Okay. And what about savings? Are you are you yes. And if you're doing any regular savings per week. Yep. Yep. Okay. Okay. Beautiful. Fantastic. And assets wise, we have your house valued at about 1.5. Would that be correct? Yep. Okay. And a debt of $5.17? Okay. Yeah. Mhmm. $62.07. Alright. Beautiful. And we have two cars valued at $1.50 with a debt of 100. Is that still right? Eighty. Beautiful. And we have some guitars noted as $10,000. Yep. And shares Nick, you had some work shares. Given your employment's changed, has that changed? Okay. Alright. So you've so we had them valued at 30,000. Would they still be valued at that? Yep. Okay. Beautiful. Fantastic. And just we also have with your estate planning that you don't have wills and powers of attorney. It was on your to do list. Have you managed to get around to that? I can do that. I can definitely. Alright. Beautiful. So with your goals and objectives, I believe they're very similar. I'm just gonna bring up both just to run through them at the same time to try and respect your time. But your one of your main focuses was to pay down the mortgage as much as possible. Is that still correct? Continue to do yearly overseas trips with your family. Yeah. You may look at buying an investment property down the track. Yes. Yeah. Alright. Perfect. Alright. Brilliant. And we had also looking at some salary sacrificing when you have a bit more disposable cash. Looking at your income, Nick, I don't think that's gonna be actually beneficial for you from a tax perspective, to be honest with you. I can run some figures anyway just because I think you'd be nearly close to exceeding the concessional cap anyway, but I'll still look into it if you would like me to. But, Lauren, if you're comfortable if you're still wanting to do that, your income is you would have some move move movement in your cap to be able to do that if you wanted to. Yep. I totally understand that. Okay. Beautiful. Previously, we well, at the moment, we have you both invested as high growth investors. Basically, what that means is that in your portfolio, you would have typically a 90% allocation to growth assets and a 10% allocation to defensive assets. And I can run through what those are in a a little bit more detail shortly. But what you could expect to return in a high growth portfolio is between eight to 10% with that's gross of fees and with every one in five years potentially being a negative return. The variation yep. No. You're absolutely you're absolutely fine. What I might do is actually explain it when we go through the review pack because it's easier when it's easier for me to explain when there's a visual. Do you both have access to or does one of you have access to your emails at the moment? Beautiful. So what I'm gonna do is I'm hitting send on an email at the moment. It's gonna come through as Odoo sign. Now that's for me. It is your review pack, and you don't have to sign anything at at the moment. It's if you just hit sign, it will open up a very some some documents that we're gonna run through, and I can run through that risk profile conversation, in a with a little bit more detail and explanation. Beautiful. So I am absolutely hoping they're in the right order. So the first document, is this a summary of your insurance and supers for Nick or yourself, Lauren? Yep. Beautiful. Okay. So, Nick, you we have your with Netwealth. The balance is 314,312. We have your life and insurance with Cal as well as your income protection. Your life and TPD is 2.1 approximately. So in the event of death or total of permanent disablement, that's what will be paid out. And your income protection covers you for $11,713 per month. In income protection's capped at 70% of your income. So based on, yeah, so based on the that sum insured, would that continue to meet your monthly or as close as possible? Because it's never gonna fully. No. Yeah. So with the income protection, they usually look at your base income for being two 20. So your sum insured is 11,713. Based on 02/20, you could increase it to 12,833 being the 70%. But in saying that, there are sometimes some special considerations that insurance companies will look at based on using a certain amount of your bonus. But we would need to wait till you're in a position to show that either through a payslip or a tax return before we Yep. Okay. So the life and TPD, basically, what you'd want that to cover is repayment of debt, funds for Lauren and the kids to you know, it might be for education purposes. It might be for Lauren to take a little bit of time off work or return to work on a part time basis. Just give that flexibility in the event that that happens. So if there's any changes if you think that needs any changes, that is typically what we look at when we look at the recommended sums insured. The next document is for yourself, Lauren. You're with Netwealth also. Your balance is sitting at about $220,807, and your insurance is with Nios. And your life and TPD, some insured is less than next sitting at about 1,500,000. And, yeah, again, designed to repay debt, allow some funds for Nick. And I'm based on some of the other previous advice documents I was able to have a look at, Yours your sum insured is a little bit less based on the fact that Nick would likely return to work that needs some sort of assistance with childcare and those types of things. Yeah. Do you suppose think that that's current, or would you like to look at reviewing that? Yep. And for you, Lauren, we've got your income protection sum insured at 7,121 per month. So that's it. Pretty no. You're absolutely fine. You're pretty much no. You're fine. Your income protection sub insured sitting perfectly based on your income, so we wouldn't be able to get any more for you. But, yeah, that's sitting perfect. The only thing missing, I'm not sure if it's I'm sure it would have been explained to you before, is trauma insurance. Do you both recall what that is? No? Okay. Very brief overview. It is a lump sum benefit that's paid if you're diagnosed with a specific insurable illness, and they range from cancers, heart attack, stroke, neurological diseases. And the funds are tax free, and they're paid out of your personal cash flow, though. They're unable to be paid through super. And the it's kind of a stopgap between the income protection and the PPD depending on the event that you're diagnosed with. So it's just designed to provide some financial stability during a period of uncertainty. You don't have it. I just need to make you aware of it and see whether it's something that you do wanna look at. You don't have trauma insurance. No. Okay. I can send yep. Okay. Beautiful. The next document is your performance report. So the first one is for should be for Nick. You will recall probably earlier this year that you received an advice document to remove you out of the Bennelong Australian Equities Fund due to underperformance. Yep. Yep. It's gone and been replaced, and it you can see your portfolio is starting to recover. So nettle fees, Nick, yours is bouncing back to 5.38%. So we are does it say asset performance detail at the top? Yep. Bottom, yep, bottom right hand corner, total portfolio net of fees and costs, the return is 5.38. So in a high growth portfolio, what we would typically see is an expected annual return of between eight to 10%, but that's grosser fees, not net. So given that we had been along in the portfolio within the past twelve months and its performance was below par, it's not a bad return. It's not where we would typically like to see it, but it's not a negative return at least. But the twelve months coming, we would expect to see, you know, even with volatility, a little bit of a higher the twelve months, there was no loss. Oh, for Benelon? Yep. So if you look in that return column, the the left hand far left hand in yep. Yep. Yes. Yep. That was lost in growth from that port from that fund. Yeah. But you can see also that the beta Australian shares has picked that up to offset it over the long term. And we've also had some movement in the gold the gold asset held above. So gold will react depending on different in different factors and environments that are occurring globally. It's one of those ones that doesn't sit stagnant, and it's not very consistent. It will have a lot of movement up and down. So that's something that we do see in there as a great a great asset to hold, but, yeah, you will see volatility with it. The rest of your Yep. Yeah. Yeah. Yeah. No. No. And when I go through the risk profile with you in a moment, I think I'll better be able to frame it a little bit better for you. But the rest of your portfolio also, we're pretty happy with. You've got your global security exposure, which has performed very well in the last twelve months due to lots of different reasons in the cybersecurity space. But you've also got exposure to different economies across your portfolio as well, which provides you with that not just US market exposure, but you've got some Europe, some Japan exposure, which gives you diversification across your global economies, which will all act differently. Lauren, yours is the next one. So yours is sorry? Hang on. Give me one second. I can definitely get you a fee report. That's easy. This is just a performance report, but I can give you a fee report. That's very no. I can absolutely generate it. That's absolutely fine if you like me to, and I can send that through post the meeting. Yep. Yep. Yep. Yeah. So your fees will be broken down in a couple of different ones. You've got your platform well, your Netwealth admin fees, which is the platform. You'll have your underlying investment fees. So they're the fit they're the investment fees that the managers charge for each of those investment funds that you hold or investment allocations that you hold in there, and then there'll be our advice fee. Allocations that you hold in there, and then there'll be our advice fee. So there's three different tiers. So I'll get that generated for you as well. Lauren, yours is the next portfolio performance. So, overall, yours did 5.5. So portfolio performance. So overall, yours did 5.27%. Exact same explanation as Nick's. Your portfolios are mirrors of each other. They're the same because of your risk profile. And, yeah, we will continue to keep an eye on it. At this point in time, we're not looking at any red flags to look at replacing like we did previously with. We're quite happy with the performance of the fund and the allocation to it to the different sectors. Do you guys have any questions about your portfolio? No? Okay. The next document is the Vanguard index chart. Is that what you're seeing? Okay. So this is where I can explain a little bit better the the risk profile and how funds are invested. So being a visual tool, it's easier to explain. So in a high growth portfolio, you will have 90% typically of your funds allocated to growth assets with 10% to your defensive assets. Now looking at that chart, you'll see on the left hand sorry. Far right hand side, there's a column of US shares, Australian shares, international, and property. They're your growth assets. So in a high growth portfolio, typically, you've got about 90% of your funds allocated to those three so those four sectors, and you'll see how they react over time, the market. So a lot of the significant events, you can attribute to global events, let's call it. So if you look along the top there, you'll see in the black riding different types of significant global events. So you've got the GFC there from o seven till about late o eight and how the market was impacted through that period of time. You've got COVID nineteen and how the market was impacted. And this shows you over a thirty year period how the market reacts and the volatility you can expect to experience in those types of assets. The 10% of your portfolio is invested in the bottom two. It says Australian bonds, but it's Australian and international bonds and cash. And that's your defensive part of the portfolio. So there's not a lot of growth in those assets. They're more income producing and designed to decrease the risk to a certain degree within your portfolio just to try and balance it out as much as possible. With a high growth portfolio, we expect growth and expected return of about eight to 10% per annum. So what your current portfolio in the last twelve months definitely fell shy of that, not by much because that's gross is inclusive of these. It didn't fall shy by too much, but it did fall shy. But what we expect in the high growth profile is that at least one in every five years, statistically speaking, you'd expect to see a negative return. So that's kind of like your comfort with that. The other thing is is because we're talking about your investment for your superannuation funds, there's a preservation age, and that's 60 for both of you. So, Nick, you've got about fourteen years to preservation age, and, Lauren, you've got about nineteen years. So in a high growth risk profile, the minimum time frame to be invested in this type of structure is eight years. That allows you to with withstand that's designed on statistics to allow you to withstand those market fluctuations and volatility. So given your sleep at night test for you guys as to whether you wanna remain as a high growth investor at this point in time. Yep. Yeah. As we approach retirement and we will look at potentially reducing assets to grow you know, with the five year age gap between the two of you, it might be that, Nick, at a certain point, we reduced your allocation to growth assets and keep Lauren's as is depending on what the circumstances are at the time. So there's lots of different strategies that we would look at as retirement gets closer. But given that you guys are still a fair amount of time out, I wouldn't recommend reducing unless you weren't comfortable with it. Okay. The next couple of documents are just the certificates of currency for your insurance. So that's referring back to those first two pages. They're just the the certificates of for you both. The first one being Nick with Tal, and then Lauren, yours as being with Neos. Just showing that your your policies are actually enforced. The next document is our financial services guide, a legal document that we need to provide to all clients. It just explains who we are, that we are licensed with ASIC, the types of advice we can provide and how we do so, a guideline of fees, and then also our complaints process and the the avenues that you can take if you're unhappy with any of the services that we provide to you. The next document is for Nick. I'm hoping if it's in the right order, it should be the Netwealth advice fees consent renewal. It's not okay. Alright. Not in order. I've okay. Beautiful. Alright. So the tax file number should be for yourself, Nick. It's just we wouldn't we'd have one on file already for you, Lauren. It's just confirming that you're aware and you're okay for us to hold your tax file number on file. The reason we have it is when we up your superannuation fund, we were required to provide it to make sure, you know, that you didn't get taxed in your superannuation fund as a non Australian resident. So if you're happy for us, it's to acknowledge that we do hold it on your behalf. The next document, is it is the fee consent? Is it for Nick or is it Lauren? Nick. Beautiful. Alright. So the fee is are calculated being a couple. It's based on 1.1% of your account balance, and then it's fixed for twelve months. So, previously, it would have fluctuated with the market's ups and downs. We've changed our fee structure to be more transparent and set for clients. So what this form does is it has calculated your fee based on the balance and calculated it at 1.1% and then set it as a flat fee. So just under those percent, you'll see on the towards the bottom part of that page, you'll see a figure of $287.91. That is the monthly fee. No. No. Hang on. Let me have a look. What? Okay. So at the top of the form, does it say Netwealth advice fee consent renewal? Okay. I wonder. So is there a percent fee anywhere on the forms that has been sent to you? Okay. I'm looking at I have been given the wrong forms or you have been sent the wrong forms. Leave that with me to clarify. Give me one second because I'm gonna jump in and see what is going on here. Sorry this. I haven't come across this before. I potentially think the wrong form has been uploaded for Nick. I'm looking at it now because it is different to the one that you have, Lauren. I think Nick's form is incorrect. So what I'm gonna do is I'll resend that with the correct form for Nick. But Nick's will look like yours, Lauren. So if you skip to your one, sorry, as a reference while I'm speaking, because I'll I'll just recent. Yeah. Yep. So, Nick, yours is set at, jump back, $287.91 per month. And that's but so that will be fixed. So previously, it used to fluctuate the percent base fee, which is was pretty standard across the advice profession. But recently, you know, it's our our advice doesn't change based on the performance. So if the performance of the portfolio is going well, there's really no reason why we should be paid more as such, so we fix it because our advice would be based on a fixed fee. Yeah. And, Lauren, yours is the next well, you're already looking at it as a reference, but it's yours is based on $202.41 per month that would be deducted from your hub account. Any questions about those fees? No? Okay. Beautiful. So what I'm going to do is please disregard the document that you have. I'm going to resend a new one to you to make sure that you actually have the correct ones. And if if and when you're comfortable, I'll ask you to sign those and return them. I will also send you the email for the estate planning contacts that we use. And, basically, just is there anything else that I could give that you need advice on or you wanna discuss further? Yep. Yep. Yeah. Yep. Why? Yes. Yes. Yeah. Yeah. Projections. Yep. Yep. Mhmm. It wasn't necessarily a bad year, and I'm not sure if it was explained how the been along works. So to give you some comfort and explanation, it wasn't you're correct. It's not the Australian share market that performed badly at all. It was the investment mandate that Ben along Australian Equities Fund follows. So their mandate so each investment company and fund has investment manager. And think of it as a philosophy that they follow, which we call a mandate. Now Venalong's was that they're an active manager, so their purpose is to actively seek growth opportunities. So their that what they are their mandate expects of them is that they seek out companies that they believe are undervalued in the Australian share market with the potential resources that have performed in the exchange share market. So it's not it it's so there's two different types of investment philosophies typically. There's your active, which have fund managers that have certain mandates that they follow, and then you've got your passive investments, which are they'll track against a certain index. With a actively managed fund like Benelon, it is you're always gonna have some significant variances because they're not always gonna get it right. That's their investment philosophy and belief. And if that if that it does allow for significant growth, but it also does allow for some decent loss and some if if it's not adhered to and the market's reacting or behaving in a different way. So the last year, yes, it was very bad for Bennelong. It was about a negative 18 nearly 19% return overall for the fund itself. It's more so the manager, you know, probably not wrong. I'd say it's it's a systemic theme. It's not necessarily one bad decision. It's the it's the mandate that they follow. So if we have a look I'm just jumping in. I'm gonna give you a little bit more information. To go back a little bit. Let me get some information together you for you before that. But if we look and I can email that through. But if we look at the last twelve months, you're looking at nearly a negative 19% return as an overall for the actual Bennelong Australian Equities Fund over a ten year return. So we look long term. We don't as well. Short term is, you know, we can't always look back. But, you know, you're looking at about a 6% return. So you are gonna have very negative returns. The Bennelong has had a negative pretty negative consistent return for probably the last twelve to eighteen months. We don't we don't systemic issue that's ongoing. So if we saw, for example, in your portfolio now, you've got gold and you're at yeah. It's operating at a negative at the moment. It's returning a negative. That's not raising a flag for us because that's how we would actually expect that investment to to act. It's going to but with the Benelon, for example, that's not how we would expect it to act for a long period of time. So what our job is to do is to make sure that, yep, it's you're never gonna get a perfect portfolio. Some years are gonna be fantastic depending on typically the global events that are occurring at the time because they're the ones that have the biggest impact on how the market reacts. But it's to make sure that if there is something of any concern that we are acting on it as fast as possible, but not being reactive. So if we had a for example, we wouldn't be doing our jobs if we saw Ben along performing bad for six months and said, okay. Get everybody out of there because that's just a that's a reaction to a negative return. We aren't following our investment philosophy and making sure that we're not doing doing our due diligence, essentially. But when it becomes a systemic issue, that's when it's our job to go, no. We've gotta do further investigation here and look at alternatives, what's the actual problem, what's happening, and so on. So it's never gonna be perfect. I wish I had a crystal ball because I would be getting the lotto numbers myself. But, yeah, our job is to not be reactive, but proactive when required. So the removal of the banner long when it was was actually a good move. There are some clients that are unfortunately still exposed to banner long and are still experiencing significant losses with this sitting in about the 16 negative 16 at the moment. So you were definitely at at a good time. And it yeah. So it works It's not great, but then when we cashed it out and also bought the beta shares, the offset was that there was no capital gains tax charged within the portfolio and that we were able to adjust the portfolio in a tax effective manner as well. So it doesn't just come down to although, you know, returns are extremely, extremely important, they're not the only thing that that's gonna see you reach your retirement goals. And if we look at projections, because I know you just touched on those before, I personally don't like projections. The reason being is that depending on how far you're projected out, they're very, very speculative in nature. If I'm ever gonna do a projection, I'm gonna do a projection based on CPI or just above CPI because anything can change at any point in time. If there is a a loss a period of time where super contributions aren't being made or, for example, if those projections didn't allow for your insurance premiums to be deducted, There's so many variables in there that if they're not done properly, they can give an inflated expectation of what you would what you can expect at retirement. So we don't actually do projections that far out anymore. We do, I think it's like a five year based on current circumstances and the average return of eight to 10% in a high growth portfolio with negative returns allowed. So to avoid that expectation that yeah. Yeah. And and you know what? It is really it's really hard because, you know, we wanna be able to provide something, but it's also it's difficult to do that in a really realistic manner. So I think that's why we've wound it back back a little bit in respect of the projections because they can be really speculative and overinflated at times. Yep. And just touching on the the basic the the comment that you made earlier about how Netwealth is doing. It's Netwealth is just the platform. It's your underlying investments that can that produce the performance. So if I go to just a really popular industry fund to let you know who q super is. Yep. I just use that one because everyone knows who it is. I'm looking at a portfolio at the moment of theirs that is falls within the high growth range. So that so that $90.10 allocation, actually, even a little bit more. They're a little bit more exposed to cash I mean, gross by about seven to 8%, and their return for the last year was 7.15%. And now and that and that's grosser fees, so that's not net. QSuper doesn't yep. So it's more the investment options that it's not Netwealth themselves. It's the underlying investment options. Does that does that help? Yep. Okay. Because I always just wanna make sure that everyone understands and, you know, you're able to make an informed decision. So if if there's anything else that I need to explain or give you information on, I'm absolutely 100% happy to do that. Yes. Okay. Beautiful. Alright. Well, I am just one last question. We have you guys on annual reviews. Are you happy to continue with annual reviews? Did you want them more frequent? It Yep. Yep. Mortgage broker. Okay. Okay. Actually, we have I actually met with someone. Yeah. I actually met with someone new just recently. Let me jump into the system. I actually quite liked them. They're called Truth Front Financial Truth Financial, I should say. They seems like really onto it. What I'm going to do is I'm just sorry. We've got documents saved everywhere. Did you want a a contact for that, or have you got or is it you wanna reach back out to them? Mhmm. Yep. I re yeah. I think the guys that we met with actually this week, I think that that definitely be able to help you. I can do an introduction email if you like, and you can just reach out. They can reach out to you, and you can make an appointment whenever or a phone consultation, yeah, whenever works for you guys. I'll get mad I'll get Maddie to do that from our office. So yeah. But in the meantime, I will send you through that fee report for your information, and I'll send you the estate planning forms the estate planning brochures as well. Alright. Fantastic. And once you've got those brochures, if you want us to do an introduction or if you want me to just do an introduction anyway so they reach out to you, I can be guided by you. Did you want me to do that intro? Yep. Beautiful. Alright. I'll do that, and I'll still send you the brochure in a separate in a separate email to that one. Yep. Yep. I'm going to pop them through in a moment. Alright. Thank you so much. No. Thank you, and enjoy your weekend. You too. 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Lauren. It's Jenna here phoning from Oakview Financial. How are you? Yeah. He did.\n\nThat's alright. Just just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And, Lauren, I just need to ID you.\n\nCan you please confirm your full name, date of birth, and address? Fantastic. And is Nick with you at the moment? Absolutely fine. Absolutely fine.\n\nI do. Yes. Hello. Hi. Nick, just need you to confirm your full name, date of birth, and address, please.\n\nWonderful. Thank you both so much for doing that. How's your day been so far? Yeah. Yep.\n\nYep. I I can I can relate? So what we're going to do this morning, if that's, like oh, this afternoon, Nelly now, is just run through your review. We have sorry. I just lost my train of thought.\n\nI just what I would like to do, first of all, is run through your personal and financial information that we have on file just to make sure it's up to date and current. The majority of it would be it's more so just the employment income and assets and data assets and liability details that I'd like to run through. Nick, first of all, I have you down over direct as a director of strategic partners. Is that still correct? Yes?\n\nYes, please. So it's the same title? Okay. Okay. And who is your new employer?\n\nBeautiful. Thank you. And you're employed full time? How many hours per week? Yep.\n\nYeah. Okay. Beautiful. Fantastic. And your you said your income's changed a bit.\n\nWhat is that now? Yep. Yep. Okay. Beautiful.\n\nAnd we have I'll jump back to that in a second, Lauren. I'll just run over yours first. We have you down as a sales rep for medical devices and sales. Fantastic. And your employer is AMBU?\n\nFull time still. Yep. And standard hours. Yeah. How many years have you been with them for?\n\nBeautiful. And your income, we have at a 118,000 with a potential bonus of 20 to 25% on top of that. Yep. Okay. Beautiful.\n\nWe have both the household expenditure of $3,500 a week. Would that still be correct? Okay. And does that include mortgage or no? Nope.\n\nSo the mortgage repayments are in dish addition to the three and a half. Includes it? Oh, beautiful. Alright. Okay.\n\nAnd what about savings? Are you are you yes. And if you're doing any regular savings per week. Yep. Yep.\n\nOkay. Okay. Beautiful. Fantastic. And assets wise, we have your house valued at about 1.5.\n\nWould that be correct? Yep. Okay. And a debt of $5.17? Okay.\n\nYeah. Mhmm. $62.07. Alright. Beautiful.\n\nAnd we have two cars valued at $1.50 with a debt of 100. Is that still right? Eighty. Beautiful. And we have some guitars noted as $10,000.\n\nYep. And shares Nick, you had some work shares. Given your employment's changed, has that changed? Okay. Alright.\n\nSo you've so we had them valued at 30,000. Would they still be valued at that? Yep. Okay. Beautiful.\n\nFantastic. And just we also have with your estate planning that you don't have wills and powers of attorney. It was on your to do list. Have you managed to get around to that? I can do that.\n\nI can definitely. Alright. Beautiful. So with your goals and objectives, I believe they're very similar. I'm just gonna bring up both just to run through them at the same time to try and respect your time.\n\nBut your one of your main focuses was to pay down the mortgage as much as possible. Is that still correct? Continue to do yearly overseas trips with your family. Yeah. You may look at buying an investment property down the track.\n\nYes. Yeah. Alright. Perfect. Alright.\n\nBrilliant. And we had also looking at some salary sacrificing when you have a bit more disposable cash. Looking at your income, Nick, I don't think that's gonna be actually beneficial for you from a tax perspective, to be honest with you. I can run some figures anyway just because I think you'd be nearly close to exceeding the concessional cap anyway, but I'll still look into it if you would like me to. But, Lauren, if you're comfortable if you're still wanting to do that, your income is you would have some move move movement in your cap to be able to do that if you wanted to.\n\nYep. I totally understand that. Okay. Beautiful. Previously, we well, at the moment, we have you both invested as high growth investors.\n\nBasically, what that means is that in your portfolio, you would have typically a 90% allocation to growth assets and a 10% allocation to defensive assets. And I can run through what those are in a a little bit more detail shortly. But what you could expect to return in a high growth portfolio is between eight to 10% with that's gross of fees and with every one in five years potentially being a negative return. The variation yep. No.\n\nYou're absolutely you're absolutely fine. What I might do is actually explain it when we go through the review pack because it's easier when it's easier for me to explain when there's a visual. Do you both have access to or does one of you have access to your emails at the moment? Beautiful. So what I'm gonna do is I'm hitting send on an email at the moment.\n\nIt's gonna come through as Odoo sign. Now that's for me. It is your review pack, and you don't have to sign anything at at the moment. It's if you just hit sign, it will open up a very some some documents that we're gonna run through, and I can run through that risk profile conversation, in a with a little bit more detail and explanation. Beautiful.\n\nSo I am absolutely hoping they're in the right order. So the first document, is this a summary of your insurance and supers for Nick or yourself, Lauren? Yep. Beautiful. Okay.\n\nSo, Nick, you we have your with Netwealth. The balance is 314,312. We have your life and insurance with Cal as well as your income protection. Your life and TPD is 2.1 approximately. So in the event of death or total of permanent disablement, that's what will be paid out.\n\nAnd your income protection covers you for $11,713 per month. In income protection's capped at 70% of your income. So based on, yeah, so based on the that sum insured, would that continue to meet your monthly or as close as possible? Because it's never gonna fully. No.\n\nYeah. So with the income protection, they usually look at your base income for being two 20. So your sum insured is 11,713. Based on 02/20, you could increase it to 12,833 being the 70%. But in saying that, there are sometimes some special considerations that insurance companies will look at based on using a certain amount of your bonus.\n\nBut we would need to wait till you're in a position to show that either through a payslip or a tax return before we Yep. Okay. So the life and TPD, basically, what you'd want that to cover is repayment of debt, funds for Lauren and the kids to you know, it might be for education purposes. It might be for Lauren to take a little bit of time off work or return to work on a part time basis. Just give that flexibility in the event that that happens.\n\nSo if there's any changes if you think that needs any changes, that is typically what we look at when we look at the recommended sums insured. The next document is for yourself, Lauren. You're with Netwealth also. Your balance is sitting at about $220,807, and your insurance is with Nios. And your life and TPD, some insured is less than next sitting at about 1,500,000.\n\nAnd, yeah, again, designed to repay debt, allow some funds for Nick. And I'm based on some of the other previous advice documents I was able to have a look at, Yours your sum insured is a little bit less based on the fact that Nick would likely return to work that needs some sort of assistance with childcare and those types of things. Yeah. Do you suppose think that that's current, or would you like to look at reviewing that? Yep.\n\nAnd for you, Lauren, we've got your income protection sum insured at 7,121 per month. So that's it. Pretty no. You're absolutely fine. You're pretty much no.\n\nYou're fine. Your income protection sub insured sitting perfectly based on your income, so we wouldn't be able to get any more for you. But, yeah, that's sitting perfect. The only thing missing, I'm not sure if it's I'm sure it would have been explained to you before, is trauma insurance. Do you both recall what that is?\n\nNo? Okay. Very brief overview. It is a lump sum benefit that's paid if you're diagnosed with a specific insurable illness, and they range from cancers, heart attack, stroke, neurological diseases. And the funds are tax free, and they're paid out of your personal cash flow, though.\n\nThey're unable to be paid through super. And the it's kind of a stopgap between the income protection and the PPD depending on the event that you're diagnosed with. So it's just designed to provide some financial stability during a period of uncertainty. You don't have it. I just need to make you aware of it and see whether it's something that you do wanna look at.\n\nYou don't have trauma insurance. No. Okay. I can send yep. Okay.\n\nBeautiful. The next document is your performance report. So the first one is for should be for Nick. You will recall probably earlier this year that you received an advice document to remove you out of the Bennelong Australian Equities Fund due to underperformance. Yep.\n\nYep. It's gone and been replaced, and it you can see your portfolio is starting to recover. So nettle fees, Nick, yours is bouncing back to 5.38%. So we are does it say asset performance detail at the top? Yep.\n\nBottom, yep, bottom right hand corner, total portfolio net of fees and costs, the return is 5.38. So in a high growth portfolio, what we would typically see is an expected annual return of between eight to 10%, but that's grosser fees, not net. So given that we had been along in the portfolio within the past twelve months and its performance was below par, it's not a bad return. It's not where we would typically like to see it, but it's not a negative return at least. But the twelve months coming, we would expect to see, you know, even with volatility, a little bit of a higher the twelve months, there was no loss.\n\nOh, for Benelon? Yep. So if you look in that return column, the the left hand far left hand in yep. Yep. Yes.\n\nYep. That was lost in growth from that port from that fund. Yeah. But you can see also that the beta Australian shares has picked that up to offset it over the long term. And we've also had some movement in the gold the gold asset held above.\n\nSo gold will react depending on different in different factors and environments that are occurring globally. It's one of those ones that doesn't sit stagnant, and it's not very consistent. It will have a lot of movement up and down. So that's something that we do see in there as a great a great asset to hold, but, yeah, you will see volatility with it. The rest of your Yep.\n\nYeah. Yeah. Yeah. No. No.\n\nAnd when I go through the risk profile with you in a moment, I think I'll better be able to frame it a little bit better for you. But the rest of your portfolio also, we're pretty happy with. You've got your global security exposure, which has performed very well in the last twelve months due to lots of different reasons in the cybersecurity space. But you've also got exposure to different economies across your portfolio as well, which provides you with that not just US market exposure, but you've got some Europe, some Japan exposure, which gives you diversification across your global economies, which will all act differently. Lauren, yours is the next one.\n\nSo yours is sorry? Hang on. Give me one second. I can definitely get you a fee report. That's easy.\n\nThis is just a performance report, but I can give you a fee report. That's very no. I can absolutely generate it. That's absolutely fine if you like me to, and I can send that through post the meeting. Yep.\n\nYep. Yep. Yeah. So your fees will be broken down in a couple of different ones. You've got your platform well, your Netwealth admin fees, which is the platform.\n\nYou'll have your underlying investment fees. So they're the fit they're the investment fees that the managers charge for each of those investment funds that you hold or investment allocations that you hold in there, and then there'll be our advice fee. Allocations that you hold in there, and then there'll be our advice fee. So there's three different tiers. So I'll get that generated for you as well.\n\nLauren, yours is the next portfolio performance. So, overall, yours did 5.5. So portfolio performance. So overall, yours did 5.27%. Exact same explanation as Nick's.\n\nYour portfolios are mirrors of each other. They're the same because of your risk profile. And, yeah, we will continue to keep an eye on it. At this point in time, we're not looking at any red flags to look at replacing like we did previously with. We're quite happy with the performance of the fund and the allocation to it to the different sectors.\n\nDo you guys have any questions about your portfolio? No? Okay. The next document is the Vanguard index chart. Is that what you're seeing?\n\nOkay. So this is where I can explain a little bit better the the risk profile and how funds are invested. So being a visual tool, it's easier to explain. So in a high growth portfolio, you will have 90% typically of your funds allocated to growth assets with 10% to your defensive assets. Now looking at that chart, you'll see on the left hand sorry.\n\nFar right hand side, there's a column of US shares, Australian shares, international, and property. They're your growth assets. So in a high growth portfolio, typically, you've got about 90% of your funds allocated to those three so those four sectors, and you'll see how they react over time, the market. So a lot of the significant events, you can attribute to global events, let's call it. So if you look along the top there, you'll see in the black riding different types of significant global events.\n\nSo you've got the GFC there from o seven till about late o eight and how the market was impacted through that period of time. You've got COVID nineteen and how the market was impacted. And this shows you over a thirty year period how the market reacts and the volatility you can expect to experience in those types of assets. The 10% of your portfolio is invested in the bottom two. It says Australian bonds, but it's Australian and international bonds and cash.\n\nAnd that's your defensive part of the portfolio. So there's not a lot of growth in those assets. They're more income producing and designed to decrease the risk to a certain degree within your portfolio just to try and balance it out as much as possible. With a high growth portfolio, we expect growth and expected return of about eight to 10% per annum. So what your current portfolio in the last twelve months definitely fell shy of that, not by much because that's gross is inclusive of these.\n\nIt didn't fall shy by too much, but it did fall shy. But what we expect in the high growth profile is that at least one in every five years, statistically speaking, you'd expect to see a negative return. So that's kind of like your comfort with that. The other thing is is because we're talking about your investment for your superannuation funds, there's a preservation age, and that's 60 for both of you. So, Nick, you've got about fourteen years to preservation age, and, Lauren, you've got about nineteen years.\n\nSo in a high growth risk profile, the minimum time frame to be invested in this type of structure is eight years. That allows you to with withstand that's designed on statistics to allow you to withstand those market fluctuations and volatility. So given your sleep at night test for you guys as to whether you wanna remain as a high growth investor at this point in time. Yep. Yeah.\n\nAs we approach retirement and we will look at potentially reducing assets to grow you know, with the five year age gap between the two of you, it might be that, Nick, at a certain point, we reduced your allocation to growth assets and keep Lauren's as is depending on what the circumstances are at the time. So there's lots of different strategies that we would look at as retirement gets closer. But given that you guys are still a fair amount of time out, I wouldn't recommend reducing unless you weren't comfortable with it. Okay. The next couple of documents are just the certificates of currency for your insurance.\n\nSo that's referring back to those first two pages. They're just the the certificates of for you both. The first one being Nick with Tal, and then Lauren, yours as being with Neos. Just showing that your your policies are actually enforced. The next document is our financial services guide, a legal document that we need to provide to all clients.\n\nIt just explains who we are, that we are licensed with ASIC, the types of advice we can provide and how we do so, a guideline of fees, and then also our complaints process and the the avenues that you can take if you're unhappy with any of the services that we provide to you. The next document is for Nick. I'm hoping if it's in the right order, it should be the Netwealth advice fees consent renewal. It's not okay. Alright.\n\nNot in order. I've okay. Beautiful. Alright. So the tax file number should be for yourself, Nick.\n\nIt's just we wouldn't we'd have one on file already for you, Lauren. It's just confirming that you're aware and you're okay for us to hold your tax file number on file. The reason we have it is when we up your superannuation fund, we were required to provide it to make sure, you know, that you didn't get taxed in your superannuation fund as a non Australian resident. So if you're happy for us, it's to acknowledge that we do hold it on your behalf. The next document, is it is the fee consent?\n\nIs it for Nick or is it Lauren? Nick. Beautiful. Alright. So the fee is are calculated being a couple.\n\nIt's based on 1.1% of your account balance, and then it's fixed for twelve months. So, previously, it would have fluctuated with the market's ups and downs. We've changed our fee structure to be more transparent and set for clients. So what this form does is it has calculated your fee based on the balance and calculated it at 1.1% and then set it as a flat fee. So just under those percent, you'll see on the towards the bottom part of that page, you'll see a figure of $287.91.\n\nThat is the monthly fee. No. No. Hang on. Let me have a look.\n\nWhat? Okay. So at the top of the form, does it say Netwealth advice fee consent renewal? Okay. I wonder.\n\nSo is there a percent fee anywhere on the forms that has been sent to you? Okay. I'm looking at I have been given the wrong forms or you have been sent the wrong forms. Leave that with me to clarify. Give me one second because I'm gonna jump in and see what is going on here.\n\nSorry this. I haven't come across this before. I potentially think the wrong form has been uploaded for Nick. I'm looking at it now because it is different to the one that you have, Lauren. I think Nick's form is incorrect.\n\nSo what I'm gonna do is I'll resend that with the correct form for Nick. But Nick's will look like yours, Lauren. So if you skip to your one, sorry, as a reference while I'm speaking, because I'll I'll just recent. Yeah. Yep.\n\nSo, Nick, yours is set at, jump back, $287.91 per month. And that's but so that will be fixed. So previously, it used to fluctuate the percent base fee, which is was pretty standard across the advice profession. But recently, you know, it's our our advice doesn't change based on the performance. So if the performance of the portfolio is going well, there's really no reason why we should be paid more as such, so we fix it because our advice would be based on a fixed fee.\n\nYeah. And, Lauren, yours is the next well, you're already looking at it as a reference, but it's yours is based on $202.41 per month that would be deducted from your hub account. Any questions about those fees? No? Okay.\n\nBeautiful. So what I'm going to do is please disregard the document that you have. I'm going to resend a new one to you to make sure that you actually have the correct ones. And if if and when you're comfortable, I'll ask you to sign those and return them. I will also send you the email for the estate planning contacts that we use.\n\nAnd, basically, just is there anything else that I could give that you need advice on or you wanna discuss further? Yep. Yep. Yeah. Yep.\n\nWhy? Yes. Yes. Yeah. Yeah.\n\nProjections. Yep. Yep. Mhmm. It wasn't necessarily a bad year, and I'm not sure if it was explained how the been along works.\n\nSo to give you some comfort and explanation, it wasn't you're correct. It's not the Australian share market that performed badly at all. It was the investment mandate that Ben along Australian Equities Fund follows. So their mandate so each investment company and fund has investment manager. And think of it as a philosophy that they follow, which we call a mandate.\n\nNow Venalong's was that they're an active manager, so their purpose is to actively seek growth opportunities. So their that what they are their mandate expects of them is that they seek out companies that they believe are undervalued in the Australian share market with the potential resources that have performed in the exchange share market. So it's not it it's so there's two different types of investment philosophies typically. There's your active, which have fund managers that have certain mandates that they follow, and then you've got your passive investments, which are they'll track against a certain index. With a actively managed fund like Benelon, it is you're always gonna have some significant variances because they're not always gonna get it right.\n\nThat's their investment philosophy and belief. And if that if that it does allow for significant growth, but it also does allow for some decent loss and some if if it's not adhered to and the market's reacting or behaving in a different way. So the last year, yes, it was very bad for Bennelong. It was about a negative 18 nearly 19% return overall for the fund itself. It's more so the manager, you know, probably not wrong.\n\nI'd say it's it's a systemic theme. It's not necessarily one bad decision. It's the it's the mandate that they follow. So if we have a look I'm just jumping in. I'm gonna give you a little bit more information.\n\nTo go back a little bit. Let me get some information together you for you before that. But if we look and I can email that through. But if we look at the last twelve months, you're looking at nearly a negative 19% return as an overall for the actual Bennelong Australian Equities Fund over a ten year return. So we look long term.\n\nWe don't as well. Short term is, you know, we can't always look back. But, you know, you're looking at about a 6% return. So you are gonna have very negative returns. The Bennelong has had a negative pretty negative consistent return for probably the last twelve to eighteen months.\n\nWe don't we don't systemic issue that's ongoing. So if we saw, for example, in your portfolio now, you've got gold and you're at yeah. It's operating at a negative at the moment. It's returning a negative. That's not raising a flag for us because that's how we would actually expect that investment to to act.\n\nIt's going to but with the Benelon, for example, that's not how we would expect it to act for a long period of time. So what our job is to do is to make sure that, yep, it's you're never gonna get a perfect portfolio. Some years are gonna be fantastic depending on typically the global events that are occurring at the time because they're the ones that have the biggest impact on how the market reacts. But it's to make sure that if there is something of any concern that we are acting on it as fast as possible, but not being reactive. So if we had a for example, we wouldn't be doing our jobs if we saw Ben along performing bad for six months and said, okay.\n\nGet everybody out of there because that's just a that's a reaction to a negative return. We aren't following our investment philosophy and making sure that we're not doing doing our due diligence, essentially. But when it becomes a systemic issue, that's when it's our job to go, no. We've gotta do further investigation here and look at alternatives, what's the actual problem, what's happening, and so on. So it's never gonna be perfect.\n\nI wish I had a crystal ball because I would be getting the lotto numbers myself. But, yeah, our job is to not be reactive, but proactive when required. So the removal of the banner long when it was was actually a good move. There are some clients that are unfortunately still exposed to banner long and are still experiencing significant losses with this sitting in about the 16 negative 16 at the moment. So you were definitely at at a good time.\n\nAnd it yeah. So it works It's not great, but then when we cashed it out and also bought the beta shares, the offset was that there was no capital gains tax charged within the portfolio and that we were able to adjust the portfolio in a tax effective manner as well. So it doesn't just come down to although, you know, returns are extremely, extremely important, they're not the only thing that that's gonna see you reach your retirement goals. And if we look at projections, because I know you just touched on those before, I personally don't like projections. The reason being is that depending on how far you're projected out, they're very, very speculative in nature.\n\nIf I'm ever gonna do a projection, I'm gonna do a projection based on CPI or just above CPI because anything can change at any point in time. If there is a a loss a period of time where super contributions aren't being made or, for example, if those projections didn't allow for your insurance premiums to be deducted, There's so many variables in there that if they're not done properly, they can give an inflated expectation of what you would what you can expect at retirement. So we don't actually do projections that far out anymore. We do, I think it's like a five year based on current circumstances and the average return of eight to 10% in a high growth portfolio with negative returns allowed. So to avoid that expectation that yeah.\n\nYeah. And and you know what? It is really it's really hard because, you know, we wanna be able to provide something, but it's also it's difficult to do that in a really realistic manner. So I think that's why we've wound it back back a little bit in respect of the projections because they can be really speculative and overinflated at times. Yep.\n\nAnd just touching on the the basic the the comment that you made earlier about how Netwealth is doing. It's Netwealth is just the platform. It's your underlying investments that can that produce the performance. So if I go to just a really popular industry fund to let you know who q super is. Yep.\n\nI just use that one because everyone knows who it is. I'm looking at a portfolio at the moment of theirs that is falls within the high growth range. So that so that $90.10 allocation, actually, even a little bit more. They're a little bit more exposed to cash I mean, gross by about seven to 8%, and their return for the last year was 7.15%. And now and that and that's grosser fees, so that's not net.\n\nQSuper doesn't yep. So it's more the investment options that it's not Netwealth themselves. It's the underlying investment options. Does that does that help? Yep.\n\nOkay. Because I always just wanna make sure that everyone understands and, you know, you're able to make an informed decision. So if if there's anything else that I need to explain or give you information on, I'm absolutely 100% happy to do that. Yes. Okay.\n\nBeautiful. Alright. Well, I am just one last question. We have you guys on annual reviews. Are you happy to continue with annual reviews?\n\nDid you want them more frequent? It Yep. Yep. Mortgage broker. Okay.\n\nOkay. Actually, we have I actually met with someone. Yeah. I actually met with someone new just recently. Let me jump into the system.\n\nI actually quite liked them. They're called Truth Front Financial Truth Financial, I should say. They seems like really onto it. What I'm going to do is I'm just sorry. We've got documents saved everywhere.\n\nDid you want a a contact for that, or have you got or is it you wanna reach back out to them? Mhmm. Yep. I re yeah. I think the guys that we met with actually this week, I think that that definitely be able to help you.\n\nI can do an introduction email if you like, and you can just reach out. They can reach out to you, and you can make an appointment whenever or a phone consultation, yeah, whenever works for you guys. I'll get mad I'll get Maddie to do that from our office. So yeah. But in the meantime, I will send you through that fee report for your information, and I'll send you the estate planning forms the estate planning brochures as well.\n\nAlright. Fantastic. And once you've got those brochures, if you want us to do an introduction or if you want me to just do an introduction anyway so they reach out to you, I can be guided by you. Did you want me to do that intro? Yep.\n\nBeautiful. Alright. I'll do that, and I'll still send you the brochure in a separate in a separate email to that one. Yep. Yep.\n\nI'm going to pop them through in a moment. Alright. Thank you so much. No. Thank you, and enjoy your weekend.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lauren.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.20399963110685349},{"text":"It's Jenna here phoning from Oakview Financial.","start":2.96,"end":5.38,"sentiment":"neutral","sentiment_score":0.21976154616900853},{"text":"How are you?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.26812755564848584},{"text":"Yeah.","start":11.599999,"end":11.84,"sentiment":"neutral","sentiment_score":-0.0471002534031868},{"text":"He did.","start":11.84,"end":12.4,"sentiment":"neutral","sentiment_score":-0.01597926765680313}],"sentiment":"neutral","sentiment_score":0.1781102642416954,"num_words":15,"start":2.24,"end":12.4},{"sentences":[{"text":"That's alright.","start":12.4,"end":13.219999,"sentiment":"neutral","sentiment_score":0.03844367153942585},{"text":"Just just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":14.08,"end":19.795,"sentiment":"neutral","sentiment_score":0.017623748087013762},{"text":"Is that okay?","start":19.795,"end":20.695,"sentiment":"neutral","sentiment_score":0.04681978871424993},{"text":"Beautiful.","start":22.275,"end":22.775,"sentiment":"positive","sentiment_score":0.43845802545547485},{"text":"And, Lauren, I just need to ID you.","start":23.395,"end":25.555,"sentiment":"neutral","sentiment_score":0.10020566638559103}],"sentiment":"neutral","sentiment_score":0.049484737364477234,"num_words":38,"start":12.4,"end":25.555},{"sentences":[{"text":"Can you please confirm your full name, date of birth, and address?","start":25.555,"end":35.47,"sentiment":"neutral","sentiment_score":0.05039056219781438},{"text":"Fantastic.","start":36.17,"end":36.67,"sentiment":"neutral","sentiment_score":0.33267641067504883},{"text":"And is Nick with you at the moment?","start":36.97,"end":39.47,"sentiment":"neutral","sentiment_score":0.07204380049370229},{"text":"Absolutely fine.","start":45.225002,"end":46.685,"sentiment":"neutral","sentiment_score":-0.03551863506436348},{"text":"Absolutely fine.","start":48.985,"end":50.365,"sentiment":"neutral","sentiment_score":0.013684794306755066}],"sentiment":"neutral","sentiment_score":0.058801835179328917,"num_words":25,"start":25.555,"end":50.365},{"sentences":[{"text":"I do.","start":53.545002,"end":54.185,"sentiment":"neutral","sentiment_score":0.03664003685116768},{"text":"Yes.","start":54.185,"end":54.685,"sentiment":"neutral","sentiment_score":0.036028459668159485},{"text":"Hello.","start":57.465,"end":57.965,"sentiment":"neutral","sentiment_score":0.024869248270988464},{"text":"Hi.","start":58.345,"end":58.845,"sentiment":"neutral","sentiment_score":0.03388535976409912},{"text":"Nick, just need you to confirm your full name, date of birth, and address, please.","start":59.9,"end":63.68,"sentiment":"neutral","sentiment_score":0.04049357920885086}],"sentiment":"neutral","sentiment_score":0.038773341476917265,"num_words":20,"start":53.545002,"end":63.68},{"sentences":[{"text":"Wonderful.","start":72.86,"end":73.36,"sentiment":"positive","sentiment_score":0.5815105438232422},{"text":"Thank you both so much for doing that.","start":73.5,"end":75.185,"sentiment":"positive","sentiment_score":0.6805412098765373},{"text":"How's your day been so far?","start":75.185,"end":76.965,"sentiment":"positive","sentiment_score":0.4211787283420563},{"text":"Yeah.","start":79.185,"end":79.685,"sentiment":"neutral","sentiment_score":0.19309574365615845},{"text":"Yep.","start":84.545,"end":85.045,"sentiment":"neutral","sentiment_score":0.05841417238116264}],"sentiment":"positive","sentiment_score":0.5179072064073647,"num_words":17,"start":72.86,"end":85.045},{"sentences":[{"text":"Yep.","start":85.345,"end":85.845,"sentiment":"neutral","sentiment_score":0.042297422885894775},{"text":"I I can I can relate?","start":86.145,"end":88.83,"sentiment":"neutral","sentiment_score":-0.007429270073771477},{"text":"So what we're going to do this morning, if that's, like oh, this afternoon, Nelly now, is just run through your review.","start":92.57,"end":101.149994,"sentiment":"neutral","sentiment_score":0.025107576765797356},{"text":"We have sorry.","start":101.93,"end":106.715004,"sentiment":"neutral","sentiment_score":-0.1717919111251831},{"text":"I just lost my train of thought.","start":106.715004,"end":107.915,"sentiment":"neutral","sentiment_score":-0.28626992872783114}],"sentiment":"neutral","sentiment_score":-0.050491711363578454,"num_words":39,"start":85.345,"end":107.915},{"sentences":[{"text":"I just what I would like to do, first of all, is run through your personal and financial information that we have on file just to make sure it's up to date and current.","start":107.915,"end":115.775,"sentiment":"neutral","sentiment_score":0.044957282405127495},{"text":"The majority of it would be it's more so just the employment income and assets and data assets and liability details that I'd like to run through.","start":118.92,"end":127.9,"sentiment":"neutral","sentiment_score":0.010185383122276378},{"text":"Nick, first of all, I have you down over direct as a director of strategic partners.","start":129.96,"end":135.465,"sentiment":"neutral","sentiment_score":0.026364981196820736},{"text":"Is that still correct?","start":135.465,"end":136.685,"sentiment":"neutral","sentiment_score":0.020890343002974987},{"text":"Yes?","start":140.105,"end":140.605,"sentiment":"neutral","sentiment_score":0.013246132992208004}],"sentiment":"neutral","sentiment_score":0.028319514027183374,"num_words":82,"start":107.915,"end":140.605},{"sentences":[{"text":"Yes, please.","start":158.535,"end":159.335,"sentiment":"neutral","sentiment_score":0.026087345555424687},{"text":"So it's the same title?","start":159.335,"end":160.955,"sentiment":"neutral","sentiment_score":0.016167087852954863},{"text":"Okay.","start":162.615,"end":163.115,"sentiment":"neutral","sentiment_score":0.01068042404949665},{"text":"Okay.","start":171.67,"end":172.17,"sentiment":"neutral","sentiment_score":0.01715632900595665},{"text":"And who is your new employer?","start":172.87,"end":175.45,"sentiment":"neutral","sentiment_score":0.007610872387886047}],"sentiment":"neutral","sentiment_score":0.013767474517226218,"num_words":15,"start":158.535,"end":175.45},{"sentences":[{"text":"Beautiful.","start":183.125,"end":183.525,"sentiment":"positive","sentiment_score":0.5070807337760925},{"text":"Thank you.","start":183.525,"end":184.005,"sentiment":"positive","sentiment_score":0.5071875303983688},{"text":"And you're employed full time?","start":184.005,"end":185.625,"sentiment":"neutral","sentiment_score":0.08904662281274796},{"text":"How many hours per week?","start":187.525,"end":189.225,"sentiment":"neutral","sentiment_score":0.01587013863027096},{"text":"Yep.","start":194.83,"end":195.33,"sentiment":"neutral","sentiment_score":0.014744795858860016}],"sentiment":"neutral","sentiment_score":0.14719888554619892,"num_words":14,"start":183.125,"end":195.33},{"sentences":[{"text":"Yeah.","start":198.11,"end":198.51,"sentiment":"neutral","sentiment_score":0.06608586013317108},{"text":"Okay.","start":198.51,"end":199.01,"sentiment":"neutral","sentiment_score":0.20151753723621368},{"text":"Beautiful.","start":199.15,"end":199.65,"sentiment":"positive","sentiment_score":0.5523852705955505},{"text":"Fantastic.","start":202.26999,"end":202.76999,"sentiment":"positive","sentiment_score":0.5483692288398743},{"text":"And your you said your income's changed a bit.","start":203.23,"end":207.06999,"sentiment":"neutral","sentiment_score":0.10689676180481911}],"sentiment":"neutral","sentiment_score":0.1792637502344755,"num_words":13,"start":198.11,"end":207.06999},{"sentences":[{"text":"What is that now?","start":207.06999,"end":208.655,"sentiment":"neutral","sentiment_score":0.0186255625449121},{"text":"Yep.","start":212.955,"end":213.455,"sentiment":"neutral","sentiment_score":0.050147585570812225},{"text":"Yep.","start":221.27501,"end":221.55,"sentiment":"neutral","sentiment_score":0.05505324527621269},{"text":"Okay.","start":223.95,"end":224.45,"sentiment":"neutral","sentiment_score":0.25732994079589844},{"text":"Beautiful.","start":224.51001,"end":225.01001,"sentiment":"positive","sentiment_score":0.4267949163913727}],"sentiment":"neutral","sentiment_score":0.10797849227674305,"num_words":8,"start":207.06999,"end":225.01001},{"sentences":[{"text":"And we have I'll jump back to that in a second, Lauren.","start":227.31,"end":232.03,"sentiment":"neutral","sentiment_score":0.09855795775850613},{"text":"I'll just run over yours first.","start":232.03,"end":234.13,"sentiment":"neutral","sentiment_score":0.04835442826151848},{"text":"We have you down as a sales rep for medical devices and sales.","start":234.945,"end":239.445,"sentiment":"neutral","sentiment_score":0.030225112246206172},{"text":"Fantastic.","start":242.145,"end":242.625,"sentiment":"positive","sentiment_score":0.3418867588043213},{"text":"And your employer is AMBU?","start":242.625,"end":245.205,"sentiment":"neutral","sentiment_score":0.09512111693620681}],"sentiment":"neutral","sentiment_score":0.07252002338803298,"num_words":37,"start":227.31,"end":245.205},{"sentences":[{"text":"Full time still.","start":248.34,"end":249.88,"sentiment":"neutral","sentiment_score":0.05810255060593287},{"text":"Yep.","start":250.9,"end":251.4,"sentiment":"neutral","sentiment_score":0.04430902749300003},{"text":"And standard hours.","start":251.62,"end":253.88,"sentiment":"neutral","sentiment_score":0.029521750286221504},{"text":"Yeah.","start":256.34,"end":256.58,"sentiment":"neutral","sentiment_score":0.020080389454960823},{"text":"How many years have you been with them for?","start":256.58,"end":258.68,"sentiment":"neutral","sentiment_score":0.008841209734479586}],"sentiment":"neutral","sentiment_score":0.023931365131455308,"num_words":17,"start":248.34,"end":258.68},{"sentences":[{"text":"Beautiful.","start":262.58,"end":263.08,"sentiment":"positive","sentiment_score":0.431447297334671},{"text":"And your income, we have at a 118,000 with a potential bonus of 20 to 25% on top of that.","start":264.535,"end":271.675,"sentiment":"neutral","sentiment_score":0.2226416625082493},{"text":"Yep.","start":277.495,"end":277.77,"sentiment":"neutral","sentiment_score":0.32570716738700867},{"text":"Okay.","start":287.37,"end":287.87,"sentiment":"positive","sentiment_score":0.402680903673172},{"text":"Beautiful.","start":288.00998,"end":288.50998,"sentiment":"positive","sentiment_score":0.6898596286773682}],"sentiment":"neutral","sentiment_score":0.2626053436348836,"num_words":24,"start":262.58,"end":288.50998},{"sentences":[{"text":"We have both the household expenditure of $3,500 a week.","start":289.69,"end":296.765,"sentiment":"neutral","sentiment_score":0.26626301258802415},{"text":"Would that still be correct?","start":297.545,"end":299.245,"sentiment":"neutral","sentiment_score":0.10388557463884354},{"text":"Okay.","start":307.41,"end":307.65,"sentiment":"neutral","sentiment_score":-0.01338622160255909},{"text":"And does that include mortgage or no?","start":307.65,"end":310.15,"sentiment":"neutral","sentiment_score":-0.02657773359013455},{"text":"Nope.","start":315.17,"end":315.67,"sentiment":"neutral","sentiment_score":-0.15507929027080536}],"sentiment":"neutral","sentiment_score":0.1178145146695897,"num_words":24,"start":289.69,"end":315.67},{"sentences":[{"text":"So the mortgage repayments are in dish addition to the three and a half.","start":325.185,"end":328.72498,"sentiment":"neutral","sentiment_score":-0.025141440065843717},{"text":"Includes it?","start":330.465,"end":331.50497,"sentiment":"neutral","sentiment_score":-0.012789315544068813},{"text":"Oh, beautiful.","start":331.50497,"end":332.245,"sentiment":"neutral","sentiment_score":0.13620435260236263},{"text":"Alright.","start":333.54,"end":334.04,"sentiment":"neutral","sentiment_score":0.1300724744796753},{"text":"Okay.","start":341.06,"end":341.56,"sentiment":"neutral","sentiment_score":-0.016398094594478607}],"sentiment":"neutral","sentiment_score":0.00042621465399861336,"num_words":20,"start":325.185,"end":341.56},{"sentences":[{"text":"And what about savings?","start":341.62,"end":343.0,"sentiment":"neutral","sentiment_score":-0.022219323553144932},{"text":"Are you are you yes.","start":343.06,"end":350.695,"sentiment":"neutral","sentiment_score":-0.017094418033957483},{"text":"And if you're doing any regular savings per 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1.5.","start":376.475,"end":380.635,"sentiment":"neutral","sentiment_score":0.13695986501195215}],"sentiment":"neutral","sentiment_score":0.17005594751487177,"num_words":15,"start":366.75,"end":380.635},{"sentences":[{"text":"Would that be correct?","start":380.635,"end":381.695,"sentiment":"neutral","sentiment_score":0.0805981494486332},{"text":"Yep.","start":384.235,"end":384.715,"sentiment":"neutral","sentiment_score":0.03394794836640358},{"text":"Okay.","start":384.715,"end":385.215,"sentiment":"neutral","sentiment_score":0.018793433904647827},{"text":"And a debt of $5.17?","start":385.675,"end":389.535,"sentiment":"neutral","sentiment_score":-0.004067594558000565},{"text":"Okay.","start":395.76,"end":396.26,"sentiment":"neutral","sentiment_score":0.012832274660468102}],"sentiment":"neutral","sentiment_score":0.030635690161337454,"num_words":12,"start":380.635,"end":396.26},{"sentences":[{"text":"Yeah.","start":399.12,"end":399.62,"sentiment":"neutral","sentiment_score":0.011803284287452698},{"text":"Mhmm.","start":412.57498,"end":413.07498,"sentiment":"neutral","sentiment_score":0.005552536807954311},{"text":"$62.07.","start":414.495,"end":418.4,"sentiment":"neutral","sentiment_score":0.008634956553578377},{"text":"Alright.","start":418.4,"end":418.9,"sentiment":"neutral","sentiment_score":0.14751112461090088},{"text":"Beautiful.","start":419.36002,"end":419.86002,"sentiment":"positive","sentiment_score":0.47298139333724976}],"sentiment":"neutral","sentiment_score":0.1292966591194272,"num_words":5,"start":399.12,"end":419.86002},{"sentences":[{"text":"And we have two cars valued at $1.50 with a debt of 100.","start":421.12,"end":425.68,"sentiment":"neutral","sentiment_score":0.10646242247178005},{"text":"Is that still right?","start":425.68,"end":426.98,"sentiment":"neutral","sentiment_score":0.053962381556630135},{"text":"Eighty.","start":432.25497,"end":432.75497,"sentiment":"neutral","sentiment_score":0.05222482979297638},{"text":"Beautiful.","start":432.97498,"end":433.47498,"sentiment":"positive","sentiment_score":0.45355167984962463},{"text":"And we have some guitars noted as $10,000.","start":435.53497,"end":439.235,"sentiment":"neutral","sentiment_score":0.14185878168791533}],"sentiment":"neutral","sentiment_score":0.12001880672242907,"num_words":27,"start":421.12,"end":439.235},{"sentences":[{"text":"Yep.","start":443.13498,"end":443.37,"sentiment":"neutral","sentiment_score":0.02712799236178398},{"text":"And shares Nick, you had some work 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that?","start":477.13,"end":478.91,"sentiment":"neutral","sentiment_score":-0.01053479446896485},{"text":"Yep.","start":493.905,"end":494.305,"sentiment":"neutral","sentiment_score":0.011762771755456924},{"text":"Okay.","start":494.305,"end":494.785,"sentiment":"neutral","sentiment_score":0.07989048957824707},{"text":"Beautiful.","start":494.785,"end":495.285,"sentiment":"positive","sentiment_score":0.34686869382858276}],"sentiment":"neutral","sentiment_score":0.015556147027956812,"num_words":19,"start":473.37,"end":495.285},{"sentences":[{"text":"Fantastic.","start":495.345,"end":495.845,"sentiment":"positive","sentiment_score":0.3587585687637329},{"text":"And just we also have with your estate planning that you don't have wills and powers of attorney.","start":498.305,"end":504.56998,"sentiment":"neutral","sentiment_score":0.08715489713682069},{"text":"It was on your to do list.","start":504.56998,"end":505.93,"sentiment":"neutral","sentiment_score":0.0494731350668839},{"text":"Have you managed to get around to that?","start":505.93,"end":508.43,"sentiment":"neutral","sentiment_score":-0.0027101957239210606},{"text":"I can do that.","start":515.295,"end":516.355,"sentiment":"neutral","sentiment_score":0.12031243927776814}],"sentiment":"neutral","sentiment_score":0.0719322856319578,"num_words":38,"start":495.345,"end":516.355},{"sentences":[{"text":"I can definitely.","start":516.735,"end":517.71497,"sentiment":"neutral","sentiment_score":0.08490803341070811},{"text":"Alright.","start":528.16,"end":528.66,"sentiment":"neutral","sentiment_score":0.26886123418807983},{"text":"Beautiful.","start":528.72,"end":529.22,"sentiment":"positive","sentiment_score":0.5689904689788818},{"text":"So with your goals and objectives, I believe they're very similar.","start":529.83997,"end":536.42,"sentiment":"positive","sentiment_score":0.3866871243173426},{"text":"I'm just gonna bring up both just to run through them at the same time to try and respect your time.","start":538.4,"end":545.175,"sentiment":"neutral","sentiment_score":0.32960558647201177}],"sentiment":"neutral","sentiment_score":0.3315635536973541,"num_words":37,"start":516.735,"end":545.175},{"sentences":[{"text":"But your one of your main focuses was to pay down the mortgage as much as possible.","start":545.175,"end":549.25494,"sentiment":"neutral","sentiment_score":0.14520156558822184},{"text":"Is that still correct?","start":549.25494,"end":551.595,"sentiment":"neutral","sentiment_score":0.11957941018044949},{"text":"Continue to do yearly overseas trips with your family.","start":553.415,"end":556.56,"sentiment":"positive","sentiment_score":0.3713132043679555},{"text":"Yeah.","start":558.86,"end":559.36,"sentiment":"neutral","sentiment_score":0.26375338435173035},{"text":"You may look at buying an investment property down the 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to.","start":623.02496,"end":639.27,"sentiment":"neutral","sentiment_score":0.05358411595225334}],"sentiment":"neutral","sentiment_score":0.020269266966251878,"num_words":109,"start":592.01,"end":639.27},{"sentences":[{"text":"Yep.","start":645.49005,"end":645.89,"sentiment":"neutral","sentiment_score":0.15195930004119873},{"text":"I totally understand that.","start":645.89,"end":647.51,"sentiment":"neutral","sentiment_score":0.2687273845076561},{"text":"Okay.","start":648.37,"end":648.87,"sentiment":"neutral","sentiment_score":0.2806164622306824},{"text":"Beautiful.","start":649.01,"end":649.51,"sentiment":"neutral","sentiment_score":0.06778216361999512},{"text":"Previously, we well, at the moment, we have you both invested as high growth investors.","start":650.805,"end":655.70496,"sentiment":"neutral","sentiment_score":-0.03134533154467742}],"sentiment":"neutral","sentiment_score":0.05023124957965179,"num_words":22,"start":645.49005,"end":655.70496},{"sentences":[{"text":"Basically, what that means is that in your portfolio, you would have typically a 90% allocation to growth assets and a 10% allocation to defensive assets.","start":656.56494,"end":671.28,"sentiment":"neutral","sentiment_score":-0.0486271633551671},{"text":"And I can run through what those are in a a little bit more detail shortly.","start":672.94,"end":677.76,"sentiment":"neutral","sentiment_score":-0.06950652203522623},{"text":"But what you could expect to return in a high growth portfolio is between eight to 10% with that's gross of fees and with every one in five years potentially being a negative return.","start":678.46,"end":692.04504,"sentiment":"neutral","sentiment_score":-0.24676962919971523},{"text":"The variation yep.","start":693.465,"end":697.54,"sentiment":"neutral","sentiment_score":-0.08264163012305896},{"text":"No.","start":697.84,"end":698.08,"sentiment":"neutral","sentiment_score":-0.1350942850112915}],"sentiment":"neutral","sentiment_score":-0.13936996459960938,"num_words":80,"start":656.56494,"end":698.08},{"sentences":[{"text":"You're absolutely you're absolutely fine.","start":698.08,"end":700.98,"sentiment":"neutral","sentiment_score":0.2226919338107109},{"text":"What I might do is actually explain it when we go through the review pack because it's easier when it's easier for me to explain when there's a visual.","start":701.84,"end":713.865,"sentiment":"neutral","sentiment_score":0.03685323663902919},{"text":"Do you both have access to or does one of you have access to your emails at the moment?","start":713.865,"end":718.685,"sentiment":"neutral","sentiment_score":-0.003767917128769975},{"text":"Beautiful.","start":720.905,"end":721.405,"sentiment":"positive","sentiment_score":0.41153448820114136},{"text":"So what I'm gonna do is I'm hitting send on an email at the moment.","start":721.465,"end":725.99,"sentiment":"neutral","sentiment_score":0.15922223329544066}],"sentiment":"neutral","sentiment_score":0.07116639266335541,"num_words":69,"start":698.08,"end":725.99},{"sentences":[{"text":"It's gonna come through as Odoo sign.","start":725.99,"end":728.56995,"sentiment":"neutral","sentiment_score":0.1461367223943983},{"text":"Now that's for me.","start":728.79,"end":730.14996,"sentiment":"neutral","sentiment_score":0.14762235060334206},{"text":"It is your review pack, and you don't have to sign anything at at the moment.","start":730.14996,"end":737.05,"sentiment":"neutral","sentiment_score":0.0710424087010324},{"text":"It's if you just hit sign, it will open up a very some some documents that we're gonna run through, and I can run through that risk profile conversation, in a with a little bit more detail and explanation.","start":737.26996,"end":750.755,"sentiment":"neutral","sentiment_score":0.05247457053225774},{"text":"Beautiful.","start":753.615,"end":754.115,"sentiment":"positive","sentiment_score":0.5864031314849854}],"sentiment":"neutral","sentiment_score":0.08034382657662256,"num_words":67,"start":725.99,"end":754.115},{"sentences":[{"text":"So I am absolutely hoping they're in the right order.","start":754.56995,"end":757.87,"sentiment":"positive","sentiment_score":0.434448704123497},{"text":"So the first document, is this a summary of your insurance and supers for Nick or yourself, Lauren?","start":758.17,"end":764.58997,"sentiment":"neutral","sentiment_score":0.1170984341038598},{"text":"Yep.","start":766.49,"end":766.99,"sentiment":"neutral","sentiment_score":0.08609114587306976},{"text":"Beautiful.","start":767.05,"end":767.55,"sentiment":"neutral","sentiment_score":0.33259597420692444},{"text":"Okay.","start":768.165,"end":768.40497,"sentiment":"neutral","sentiment_score":0.15656213462352753}],"sentiment":"neutral","sentiment_score":0.22669380999380542,"num_words":31,"start":754.56995,"end":768.40497},{"sentences":[{"text":"So, Nick, you we have your with Netwealth.","start":768.40497,"end":771.945,"sentiment":"neutral","sentiment_score":0.08031937852501869},{"text":"The balance is 314,312.","start":772.245,"end":776.58496,"sentiment":"neutral","sentiment_score":0.07621149532496929},{"text":"We have your life and insurance with Cal as well as your income protection.","start":777.685,"end":784.12,"sentiment":"neutral","sentiment_score":0.0993265477674348},{"text":"Your life and TPD is 2.1 approximately.","start":785.78,"end":790.04,"sentiment":"neutral","sentiment_score":0.05718845860766513},{"text":"So in the event of death or total of permanent disablement, that's what will be paid out.","start":791.3,"end":795.785,"sentiment":"neutral","sentiment_score":-0.014148195438525257}],"sentiment":"neutral","sentiment_score":0.04995545132085681,"num_words":50,"start":768.40497,"end":795.785},{"sentences":[{"text":"And your income protection covers you for $11,713 per month.","start":796.005,"end":802.185,"sentiment":"neutral","sentiment_score":0.11542316749691964},{"text":"In income protection's capped at 70% of your income.","start":803.125,"end":807.46497,"sentiment":"neutral","sentiment_score":0.012887914768523641},{"text":"So based on, yeah, so based on the that sum insured, would that continue to meet your monthly or as close as possible?","start":808.28,"end":818.28,"sentiment":"neutral","sentiment_score":0.09627703026584956},{"text":"Because it's never gonna fully.","start":818.28,"end":819.82,"sentiment":"neutral","sentiment_score":-0.03938689529895782},{"text":"No.","start":832.635,"end":832.83,"sentiment":"neutral","sentiment_score":-0.1712791621685028}],"sentiment":"neutral","sentiment_score":0.06492460344452411,"num_words":48,"start":796.005,"end":832.83},{"sentences":[{"text":"Yeah.","start":854.885,"end":855.285,"sentiment":"neutral","sentiment_score":-0.032034438103437424},{"text":"So with the income protection, they usually look at your base income for being two 20.","start":855.285,"end":861.705,"sentiment":"neutral","sentiment_score":-0.011754369828850031},{"text":"So your sum insured is 11,713.","start":862.58997,"end":868.29,"sentiment":"neutral","sentiment_score":0.05717515510817369},{"text":"Based on 02/20, you could increase it to 12,833 being the 70%.","start":868.99,"end":876.85,"sentiment":"neutral","sentiment_score":0.07205982816716035},{"text":"But in saying that, there are sometimes some special considerations that insurance companies will look at based on using a certain amount of your bonus.","start":878.61505,"end":887.835,"sentiment":"neutral","sentiment_score":0.003014421910047531}],"sentiment":"neutral","sentiment_score":0.017717084350685277,"num_words":60,"start":854.885,"end":887.835},{"sentences":[{"text":"But we would need to wait till you're in a position to show that either through a payslip or a tax return before we Yep.","start":890.055,"end":901.52,"sentiment":"neutral","sentiment_score":0.0034489460289478307},{"text":"Okay.","start":901.74,"end":902.24,"sentiment":"neutral","sentiment_score":0.0902569591999054},{"text":"So the life and TPD, basically, what you'd want that to cover is repayment of debt, funds for Lauren and the kids to you know, it might be for education purposes.","start":904.78,"end":921.175,"sentiment":"neutral","sentiment_score":0.07324072766688562},{"text":"It might be for Lauren to take a little bit of time off work or return to work on a part time basis.","start":921.475,"end":928.19,"sentiment":"neutral","sentiment_score":0.11628106949122055},{"text":"Just give that flexibility in the event that that happens.","start":929.05,"end":933.55,"sentiment":"neutral","sentiment_score":0.14887779355049133}],"sentiment":"neutral","sentiment_score":0.0734465077933338,"num_words":90,"start":890.055,"end":933.55},{"sentences":[{"text":"So if there's any changes if you think that needs any changes, that is typically what we look at when we look at the recommended sums insured.","start":935.61005,"end":945.945,"sentiment":"neutral","sentiment_score":0.02883944322389585},{"text":"The next document is for yourself, Lauren.","start":948.565,"end":950.75995,"sentiment":"neutral","sentiment_score":0.050322329359395165},{"text":"You're with Netwealth also.","start":950.98,"end":952.44,"sentiment":"neutral","sentiment_score":0.07197425328195095},{"text":"Your balance is sitting at about $220,807, and your insurance is with Nios.","start":953.62,"end":962.27997,"sentiment":"neutral","sentiment_score":0.04748117579863621},{"text":"And your life and TPD, some insured is less than next sitting at about 1,500,000.","start":963.585,"end":969.925,"sentiment":"neutral","sentiment_score":0.012511745964487394}],"sentiment":"neutral","sentiment_score":0.033693178189974846,"num_words":66,"start":935.61005,"end":969.925},{"sentences":[{"text":"And, yeah, again, designed to repay debt, allow some funds for Nick.","start":974.385,"end":981.17004,"sentiment":"neutral","sentiment_score":0.0703078795534869},{"text":"And I'm based on some of the other previous advice documents I was able to have a look at, Yours your sum insured is a little bit less based on the fact that Nick would likely return to work that needs some sort of assistance with childcare and those types of things.","start":982.43,"end":1000.65497,"sentiment":"neutral","sentiment_score":-0.023157850516816743},{"text":"Yeah.","start":1002.39496,"end":1002.795,"sentiment":"neutral","sentiment_score":0.011017093434929848},{"text":"Do you suppose think that that's current, or would you like to look at reviewing that?","start":1002.795,"end":1007.11,"sentiment":"neutral","sentiment_score":-0.012923082103952765},{"text":"Yep.","start":1009.01,"end":1009.51,"sentiment":"neutral","sentiment_score":0.1058802455663681}],"sentiment":"neutral","sentiment_score":-0.005492507888958222,"num_words":82,"start":974.385,"end":1009.51},{"sentences":[{"text":"And for you, Lauren, we've got your income protection sum insured at 7,121 per month.","start":1010.05,"end":1017.92505,"sentiment":"neutral","sentiment_score":0.0745623491704464},{"text":"So that's it.","start":1019.185,"end":1022.72504,"sentiment":"neutral","sentiment_score":0.013496171683073044},{"text":"Pretty no.","start":1026.0651,"end":1027.185,"sentiment":"neutral","sentiment_score":-0.10475451126694679},{"text":"You're absolutely fine.","start":1027.185,"end":1028.405,"sentiment":"neutral","sentiment_score":0.017888387044270832},{"text":"You're pretty much no.","start":1028.545,"end":1031.39,"sentiment":"neutral","sentiment_score":-0.11750405526254326}],"sentiment":"neutral","sentiment_score":0.019743098894617072,"num_words":27,"start":1010.05,"end":1031.39},{"sentences":[{"text":"You're fine.","start":1031.39,"end":1032.1901,"sentiment":"neutral","sentiment_score":0.03981611505150795},{"text":"Your income protection sub insured sitting perfectly based on your income, so we wouldn't be able to get any more for you.","start":1032.1901,"end":1040.37,"sentiment":"neutral","sentiment_score":0.15573150444437156},{"text":"But, yeah, that's sitting perfect.","start":1040.99,"end":1042.6901,"sentiment":"positive","sentiment_score":0.46790928542613985},{"text":"The only thing missing, I'm not sure if it's I'm sure it would have been explained to you before, is trauma insurance.","start":1045.285,"end":1050.185,"sentiment":"neutral","sentiment_score":-0.2585070153528994},{"text":"Do you both recall what that is?","start":1050.245,"end":1052.105,"sentiment":"neutral","sentiment_score":-0.09844496101140976}],"sentiment":"neutral","sentiment_score":-0.009155126031616638,"num_words":58,"start":1031.39,"end":1052.105},{"sentences":[{"text":"No?","start":1053.765,"end":1054.265,"sentiment":"neutral","sentiment_score":-0.15558722615242004},{"text":"Okay.","start":1054.405,"end":1054.905,"sentiment":"neutral","sentiment_score":-0.09313151985406876},{"text":"Very brief overview.","start":1058.005,"end":1059.225,"sentiment":"neutral","sentiment_score":0.041386328637599945},{"text":"It is a lump sum benefit that's paid if you're diagnosed with a specific insurable illness, and they range from cancers, heart attack, stroke, neurological diseases.","start":1059.845,"end":1074.0,"sentiment":"neutral","sentiment_score":0.009126687780595742},{"text":"And the funds are tax free, and they're paid out of your personal cash flow, though.","start":1076.4249,"end":1082.585,"sentiment":"neutral","sentiment_score":-0.049537536688148975}],"sentiment":"neutral","sentiment_score":-0.014465243932097516,"num_words":47,"start":1053.765,"end":1082.585},{"sentences":[{"text":"They're unable to be paid through super.","start":1082.585,"end":1084.525,"sentiment":"neutral","sentiment_score":-0.2719669022730419},{"text":"And the it's kind of a stopgap between the income protection and the PPD depending on the event that you're diagnosed with.","start":1085.225,"end":1093.09,"sentiment":"neutral","sentiment_score":-0.10684684410013935},{"text":"So it's just designed to provide some financial stability during a period of uncertainty.","start":1093.15,"end":1098.61,"sentiment":"neutral","sentiment_score":0.20341577886470727},{"text":"You don't have it.","start":1100.51,"end":1101.31,"sentiment":"neutral","sentiment_score":-0.030612951843068004},{"text":"I just need to make you aware of it and see whether it's something that you do wanna look at.","start":1101.31,"end":1105.535,"sentiment":"neutral","sentiment_score":0.005534875672310591}],"sentiment":"neutral","sentiment_score":-0.021169138446783843,"num_words":67,"start":1082.585,"end":1105.535},{"sentences":[{"text":"You don't have trauma insurance.","start":1107.5951,"end":1109.2151,"sentiment":"neutral","sentiment_score":-0.12530211955308915},{"text":"No.","start":1109.515,"end":1110.015,"sentiment":"neutral","sentiment_score":-0.026416027918457985},{"text":"Okay.","start":1113.755,"end":1114.255,"sentiment":"neutral","sentiment_score":0.04928531125187874},{"text":"I can send yep.","start":1114.395,"end":1120.47,"sentiment":"neutral","sentiment_score":0.07823300501331687},{"text":"Okay.","start":1121.35,"end":1121.85,"sentiment":"neutral","sentiment_score":0.1861633062362671}],"sentiment":"neutral","sentiment_score":-0.008712165678540865,"num_words":12,"start":1107.5951,"end":1121.85},{"sentences":[{"text":"Beautiful.","start":1122.39,"end":1122.89,"sentiment":"positive","sentiment_score":0.4071553349494934},{"text":"The next document is your performance report.","start":1124.23,"end":1127.35,"sentiment":"neutral","sentiment_score":0.09884447072233472},{"text":"So the first one is for should be for Nick.","start":1127.35,"end":1130.09,"sentiment":"neutral","sentiment_score":0.036409235559403896},{"text":"You will recall probably earlier this year that you received an advice document to remove you out of the Bennelong Australian Equities Fund due to underperformance.","start":1132.15,"end":1141.3049,"sentiment":"neutral","sentiment_score":-0.03440868252745041},{"text":"Yep.","start":1143.605,"end":1144.105,"sentiment":"neutral","sentiment_score":0.05641864985227585}],"sentiment":"neutral","sentiment_score":0.013887819771965345,"num_words":45,"start":1122.39,"end":1144.105},{"sentences":[{"text":"Yep.","start":1144.1649,"end":1144.6649,"sentiment":"neutral","sentiment_score":0.07357704639434814},{"text":"It's gone and been replaced, and it you can see your portfolio is starting to recover.","start":1144.8049,"end":1150.71,"sentiment":"neutral","sentiment_score":0.017738051945343614},{"text":"So nettle fees, Nick, yours is bouncing back to 5.38%.","start":1150.77,"end":1157.27,"sentiment":"neutral","sentiment_score":0.02805599421262741},{"text":"So we are does it say asset performance detail at the top?","start":1157.89,"end":1166.6151,"sentiment":"neutral","sentiment_score":-0.013306161543975273},{"text":"Yep.","start":1167.875,"end":1168.375,"sentiment":"neutral","sentiment_score":0.03130689263343811}],"sentiment":"neutral","sentiment_score":0.012739469343796373,"num_words":40,"start":1144.1649,"end":1168.375},{"sentences":[{"text":"Bottom, yep, bottom right hand corner, total portfolio net of fees and costs, the return is 5.38.","start":1168.8351,"end":1177.31,"sentiment":"neutral","sentiment_score":0.024370524155742982},{"text":"So in a high growth portfolio, what we would typically see is an expected annual return of between eight to 10%, but that's grosser fees, not net.","start":1178.0901,"end":1191.765,"sentiment":"neutral","sentiment_score":0.02946195651397661},{"text":"So given that we had been along in the portfolio within the past twelve months and its performance was below par, it's not a bad return.","start":1192.225,"end":1204.59,"sentiment":"neutral","sentiment_score":0.04777188355532976},{"text":"It's not where we would typically like to see it, but it's not a negative return at least.","start":1204.83,"end":1211.1699,"sentiment":"neutral","sentiment_score":-0.14164237077865335},{"text":"But the twelve months coming, we would expect to see, you know, even with volatility, a little bit of a higher the twelve months, there was no loss.","start":1211.47,"end":1228.545,"sentiment":"neutral","sentiment_score":-0.12425314501992293}],"sentiment":"neutral","sentiment_score":-0.03083456918629336,"num_words":116,"start":1168.8351,"end":1228.545},{"sentences":[{"text":"Oh, for Benelon?","start":1229.645,"end":1230.54,"sentiment":"neutral","sentiment_score":-0.032140148182710014},{"text":"Yep.","start":1234.2201,"end":1234.7201,"sentiment":"neutral","sentiment_score":-0.031509168446063995},{"text":"So if you look in that return column, the the left hand far left hand in yep.","start":1235.5801,"end":1242.62,"sentiment":"neutral","sentiment_score":0.010859247707926175},{"text":"Yep.","start":1242.62,"end":1243.12,"sentiment":"neutral","sentiment_score":0.020195811986923214},{"text":"Yes.","start":1244.7001,"end":1245.045,"sentiment":"neutral","sentiment_score":0.06929072737693787}],"sentiment":"neutral","sentiment_score":0.006354962495844002,"num_words":23,"start":1229.645,"end":1245.045},{"sentences":[{"text":"Yep.","start":1245.4451,"end":1245.9451,"sentiment":"neutral","sentiment_score":0.06815582513809204},{"text":"That was lost in growth from that port from that fund.","start":1246.005,"end":1249.305,"sentiment":"neutral","sentiment_score":0.0035458229143511166},{"text":"Yeah.","start":1249.525,"end":1250.025,"sentiment":"neutral","sentiment_score":0.04355785995721817},{"text":"But you can see also that the beta Australian shares has picked that up to offset it over the long term.","start":1252.245,"end":1260.6901,"sentiment":"neutral","sentiment_score":0.04315698262126673},{"text":"And we've also had some movement in the gold the gold asset held above.","start":1260.6901,"end":1267.8301,"sentiment":"neutral","sentiment_score":0.07584581790225846}],"sentiment":"neutral","sentiment_score":0.04414282964232067,"num_words":48,"start":1245.4451,"end":1267.8301},{"sentences":[{"text":"So gold will react depending on different in different factors and environments that are occurring globally.","start":1267.89,"end":1275.015,"sentiment":"neutral","sentiment_score":0.007952101528644562},{"text":"It's one of those ones that doesn't sit stagnant, and it's not very consistent.","start":1276.195,"end":1283.735,"sentiment":"neutral","sentiment_score":-0.053912303443732004},{"text":"It will have a lot of movement up and down.","start":1283.875,"end":1286.51,"sentiment":"neutral","sentiment_score":-0.03936770036816597},{"text":"So that's something that we do see in there as a great a great asset to hold, but, yeah, you will see volatility with it.","start":1288.65,"end":1304.005,"sentiment":"neutral","sentiment_score":0.22501355275511742},{"text":"The rest of your Yep.","start":1304.005,"end":1306.0249,"sentiment":"neutral","sentiment_score":0.05435320064425468}],"sentiment":"neutral","sentiment_score":0.06965555992376592,"num_words":70,"start":1267.89,"end":1306.0249},{"sentences":[{"text":"Yeah.","start":1307.9249,"end":1308.4249,"sentiment":"neutral","sentiment_score":-0.05528652667999267},{"text":"Yeah.","start":1311.9249,"end":1312.4249,"sentiment":"neutral","sentiment_score":-0.016756761819124222},{"text":"Yeah.","start":1313.125,"end":1313.625,"sentiment":"neutral","sentiment_score":-0.03422495350241661},{"text":"No.","start":1316.55,"end":1317.05,"sentiment":"neutral","sentiment_score":-0.11127316951751708},{"text":"No.","start":1317.59,"end":1318.09,"sentiment":"neutral","sentiment_score":-0.08660094439983368}],"sentiment":"neutral","sentiment_score":-0.06082847118377686,"num_words":5,"start":1307.9249,"end":1318.09},{"sentences":[{"text":"And when I go through the risk profile with you in a moment, I think I'll better be able to frame it a little bit better for you.","start":1318.23,"end":1325.37,"sentiment":"neutral","sentiment_score":0.029053455484764918},{"text":"But the rest of your portfolio also, we're pretty happy with.","start":1325.67,"end":1329.045,"sentiment":"positive","sentiment_score":0.5726682442155752},{"text":"You've got your global security exposure, which has performed very well in the last twelve months due to lots of different reasons in the cybersecurity space.","start":1329.045,"end":1342.025,"sentiment":"positive","sentiment_score":0.3395084532407614},{"text":"But you've also got exposure to different economies across your portfolio as well, which provides you with that not just US market exposure, but you've got some Europe, some Japan exposure, which gives you diversification across your global economies, which will all act differently.","start":1342.44,"end":1366.995,"sentiment":"neutral","sentiment_score":0.2157411588863893},{"text":"Lauren, yours is the next one.","start":1368.895,"end":1371.0751,"sentiment":"neutral","sentiment_score":0.0771943765381972}],"sentiment":"neutral","sentiment_score":0.2251812562994335,"num_words":115,"start":1318.23,"end":1371.0751},{"sentences":[{"text":"So yours is sorry?","start":1371.775,"end":1383.35,"sentiment":"neutral","sentiment_score":0.03650262951850891},{"text":"Hang on.","start":1383.89,"end":1384.4501,"sentiment":"neutral","sentiment_score":0.023205114528536797},{"text":"Give me one second.","start":1384.4501,"end":1385.475,"sentiment":"neutral","sentiment_score":0.07357420586049557},{"text":"I can definitely get you a fee report.","start":1385.475,"end":1387.475,"sentiment":"neutral","sentiment_score":0.23196871764957905},{"text":"That's easy.","start":1387.475,"end":1388.035,"sentiment":"neutral","sentiment_score":0.22190645337104797}],"sentiment":"neutral","sentiment_score":0.13931401092559098,"num_words":20,"start":1371.775,"end":1388.035},{"sentences":[{"text":"This is just a performance report, but I can give you a fee report.","start":1388.035,"end":1392.055,"sentiment":"neutral","sentiment_score":0.0683484540453979},{"text":"That's very no.","start":1392.115,"end":1395.155,"sentiment":"neutral","sentiment_score":0.026957883189121883},{"text":"I can absolutely generate it.","start":1395.155,"end":1396.595,"sentiment":"neutral","sentiment_score":0.0553115613758564},{"text":"That's absolutely fine if you like me to, and I can send that through post the meeting.","start":1396.595,"end":1406.4801,"sentiment":"neutral","sentiment_score":0.14221243516487234},{"text":"Yep.","start":1406.4801,"end":1406.9801,"sentiment":"neutral","sentiment_score":0.041429176926612854}],"sentiment":"neutral","sentiment_score":0.09433375969529152,"num_words":40,"start":1388.035,"end":1406.9801},{"sentences":[{"text":"Yep.","start":1407.68,"end":1408.18,"sentiment":"neutral","sentiment_score":0.041871681809425354},{"text":"Yep.","start":1408.4,"end":1408.9,"sentiment":"neutral","sentiment_score":0.02986196242272854},{"text":"Yeah.","start":1409.6001,"end":1410.0,"sentiment":"neutral","sentiment_score":0.06705190986394882},{"text":"So your fees will be broken down in a couple of different ones.","start":1410.0,"end":1413.0851,"sentiment":"neutral","sentiment_score":0.08594114018174318},{"text":"You've got your platform well, your Netwealth admin fees, which is the platform.","start":1413.0851,"end":1419.185,"sentiment":"neutral","sentiment_score":0.11487293759217629}],"sentiment":"neutral","sentiment_score":0.09480581259162262,"num_words":29,"start":1407.68,"end":1419.185},{"sentences":[{"text":"You'll have your underlying investment fees.","start":1419.4851,"end":1421.7251,"sentiment":"neutral","sentiment_score":0.11957320074240367},{"text":"So they're the fit they're the investment fees that the managers charge for each of those investment funds that you hold or investment allocations that you hold in there, and then there'll be our advice fee.","start":1421.7251,"end":1427.7451,"sentiment":"neutral","sentiment_score":0.09291504706359571},{"text":"Allocations that you hold in there, and then there'll be our advice fee.","start":1428.66,"end":1432.9,"sentiment":"neutral","sentiment_score":0.06458956805559304},{"text":"So there's three different tiers.","start":1432.9,"end":1435.06,"sentiment":"neutral","sentiment_score":0.18039893805980683},{"text":"So I'll get that generated for you as well.","start":1435.06,"end":1437.88,"sentiment":"neutral","sentiment_score":0.27555719680256313}],"sentiment":"neutral","sentiment_score":0.1200587644201258,"num_words":69,"start":1419.4851,"end":1437.88},{"sentences":[{"text":"Lauren, yours is the next portfolio performance.","start":1440.26,"end":1441.3219,"sentiment":"neutral","sentiment_score":0.22671702929905482},{"text":"So, overall, yours did 5.5.","start":1441.3219,"end":1441.5575,"sentiment":"neutral","sentiment_score":0.16743392050266265},{"text":"So portfolio performance.","start":1441.5575,"end":1443.2749,"sentiment":"neutral","sentiment_score":0.06016923487186432},{"text":"So overall, yours did 5.27%.","start":1443.4149,"end":1446.875,"sentiment":"neutral","sentiment_score":0.16843952238559723},{"text":"Exact same explanation as Nick's.","start":1448.215,"end":1451.0349,"sentiment":"neutral","sentiment_score":0.13910947740077972}],"sentiment":"neutral","sentiment_score":0.165697660446167,"num_words":25,"start":1440.26,"end":1451.0349},{"sentences":[{"text":"Your portfolios are mirrors of each other.","start":1451.255,"end":1454.855,"sentiment":"neutral","sentiment_score":0.05374724417924881},{"text":"They're the same because of your risk profile.","start":1454.855,"end":1456.875,"sentiment":"neutral","sentiment_score":0.0881073260679841},{"text":"And, yeah, we will continue to keep an eye on it.","start":1458.52,"end":1462.12,"sentiment":"neutral","sentiment_score":0.13434579155661844},{"text":"At this point in time, we're not looking at any red flags to look at replacing like we did previously with.","start":1462.12,"end":1469.5801,"sentiment":"neutral","sentiment_score":-0.09668199717998505},{"text":"We're quite happy with the performance of the fund and the allocation to it to the different sectors.","start":1470.895,"end":1477.875,"sentiment":"positive","sentiment_score":0.5663618511623807}],"sentiment":"neutral","sentiment_score":0.1649705293086859,"num_words":65,"start":1451.255,"end":1477.875},{"sentences":[{"text":"Do you guys have any questions about your portfolio?","start":1479.375,"end":1482.355,"sentiment":"neutral","sentiment_score":-0.009005959456165632},{"text":"No?","start":1484.335,"end":1484.8151,"sentiment":"neutral","sentiment_score":-0.025890473276376724},{"text":"Okay.","start":1484.8151,"end":1485.3151,"sentiment":"neutral","sentiment_score":0.011447266675531864},{"text":"The next document is the Vanguard index chart.","start":1485.95,"end":1489.23,"sentiment":"neutral","sentiment_score":0.014472248731181026},{"text":"Is that what you're seeing?","start":1489.23,"end":1490.45,"sentiment":"neutral","sentiment_score":0.00805608187802136}],"sentiment":"neutral","sentiment_score":0.0025233982305508107,"num_words":24,"start":1479.375,"end":1490.45},{"sentences":[{"text":"Okay.","start":1492.03,"end":1492.53,"sentiment":"neutral","sentiment_score":0.01069759763777256},{"text":"So this is where I can explain a little bit better the the risk profile and how funds are invested.","start":1492.59,"end":1500.13,"sentiment":"neutral","sentiment_score":-0.016653306689113377},{"text":"So being a visual tool, it's easier to explain.","start":1501.0549,"end":1504.995,"sentiment":"neutral","sentiment_score":0.06663737404677603},{"text":"So in a high growth portfolio, you will have 90% typically of your funds allocated to growth assets with 10% to your defensive assets.","start":1505.855,"end":1517.18,"sentiment":"neutral","sentiment_score":0.04250700081077715},{"text":"Now looking at that chart, you'll see on the left hand sorry.","start":1517.18,"end":1521.34,"sentiment":"neutral","sentiment_score":0.028379157806436222}],"sentiment":"neutral","sentiment_score":0.024819480960793568,"num_words":66,"start":1492.03,"end":1521.34},{"sentences":[{"text":"Far right hand side, there's a column of US shares, Australian shares, international, and property.","start":1521.34,"end":1528.72,"sentiment":"neutral","sentiment_score":0.02902755029499531},{"text":"They're your growth assets.","start":1530.605,"end":1532.0651,"sentiment":"neutral","sentiment_score":0.043593086302280426},{"text":"So in a high growth portfolio, typically, you've got about 90% of your funds allocated to those three so those four sectors, and you'll see how they react over time, the market.","start":1532.365,"end":1546.72,"sentiment":"neutral","sentiment_score":0.052958071581088006},{"text":"So a lot of the significant events, you can attribute to global events, let's call it.","start":1547.26,"end":1558.695,"sentiment":"neutral","sentiment_score":0.015168712241575122},{"text":"So if you look along the top there, you'll see in the black riding different types of significant global events.","start":1558.7749,"end":1565.4149,"sentiment":"neutral","sentiment_score":0.008723114896565676}],"sentiment":"neutral","sentiment_score":0.03128282280488946,"num_words":87,"start":1521.34,"end":1565.4149},{"sentences":[{"text":"So you've got the GFC there from o seven till about late o eight and how the market was impacted through that period of time.","start":1565.4149,"end":1574.29,"sentiment":"neutral","sentiment_score":-0.016905620321631433},{"text":"You've got COVID nineteen and how the market was impacted.","start":1574.35,"end":1578.29,"sentiment":"neutral","sentiment_score":-0.03397896196693182},{"text":"And this shows you over a thirty year period how the market reacts and the volatility you can expect to experience in those types of assets.","start":1579.55,"end":1591.415,"sentiment":"neutral","sentiment_score":0.009442364438795127},{"text":"The 10% of your portfolio is invested in the bottom two.","start":1592.275,"end":1596.2151,"sentiment":"neutral","sentiment_score":-0.003771052441813729},{"text":"It says Australian bonds, but it's Australian and international bonds and cash.","start":1596.275,"end":1600.32,"sentiment":"neutral","sentiment_score":-0.0068797944113612175}],"sentiment":"neutral","sentiment_score":-0.007630568596401385,"num_words":84,"start":1565.4149,"end":1600.32},{"sentences":[{"text":"And that's your defensive part of the portfolio.","start":1601.0399,"end":1603.38,"sentiment":"neutral","sentiment_score":-0.028336849412880838},{"text":"So there's not a lot of growth in those assets.","start":1603.44,"end":1606.48,"sentiment":"neutral","sentiment_score":-0.18333046287298202},{"text":"They're more income producing and designed to decrease the risk to a certain degree within your portfolio just to try and balance it out as much as possible.","start":1606.48,"end":1616.2151,"sentiment":"neutral","sentiment_score":0.14667678917092936},{"text":"With a high growth portfolio, we expect growth and expected return of about eight to 10% per annum.","start":1617.3151,"end":1624.6951,"sentiment":"neutral","sentiment_score":0.2200765526956982},{"text":"So what your current portfolio in the last twelve months definitely fell shy of that, not by much because that's gross is inclusive of these.","start":1625.3151,"end":1636.42,"sentiment":"negative","sentiment_score":-0.352413672208786}],"sentiment":"neutral","sentiment_score":-0.03148329420161716,"num_words":89,"start":1601.0399,"end":1636.42},{"sentences":[{"text":"It didn't fall shy by too much, but it did fall shy.","start":1636.42,"end":1639.7201,"sentiment":"negative","sentiment_score":-0.36928019175926846},{"text":"But what we expect in the high growth profile is that at least one in every five years, statistically speaking, you'd expect to see a negative return.","start":1640.26,"end":1649.555,"sentiment":"negative","sentiment_score":-0.4257550692116773},{"text":"So that's kind of like your comfort with that.","start":1651.455,"end":1654.275,"sentiment":"neutral","sentiment_score":0.06432348489761353},{"text":"The other thing is is because we're talking about your investment for your superannuation funds, there's a preservation age, and that's 60 for both of you.","start":1654.655,"end":1666.15,"sentiment":"neutral","sentiment_score":-0.04637957661627577},{"text":"So, Nick, you've got about fourteen years to preservation age, and, Lauren, you've got about nineteen years.","start":1666.15,"end":1672.065,"sentiment":"neutral","sentiment_score":-0.007025867234915495}],"sentiment":"neutral","sentiment_score":-0.18322139055785405,"num_words":91,"start":1636.42,"end":1672.065},{"sentences":[{"text":"So in a high growth risk profile, the minimum time frame to be invested in this type of structure is eight years.","start":1672.945,"end":1682.6449,"sentiment":"neutral","sentiment_score":-0.021500987593423237},{"text":"That allows you to with withstand that's designed on statistics to allow you to withstand those market fluctuations and volatility.","start":1683.345,"end":1693.6799,"sentiment":"neutral","sentiment_score":0.05858629327267408},{"text":"So given your sleep at night test for you guys as to whether you wanna remain as a high growth investor at this point in time.","start":1695.1799,"end":1716.0,"sentiment":"neutral","sentiment_score":0.09099444875923487},{"text":"Yep.","start":1720.78,"end":1721.28,"sentiment":"neutral","sentiment_score":0.01779157854616642},{"text":"Yeah.","start":1721.8201,"end":1722.3201,"sentiment":"neutral","sentiment_score":-0.028827860951423645}],"sentiment":"neutral","sentiment_score":0.04362176462475743,"num_words":70,"start":1672.945,"end":1722.3201},{"sentences":[{"text":"As we approach retirement and we will look at potentially reducing assets to grow you know, with the five year age gap between the two of you, it might be that, Nick, at a certain point, we reduced your allocation to growth assets and keep Lauren's as is depending on what the circumstances are at the time.","start":1722.62,"end":1751.3401,"sentiment":"neutral","sentiment_score":-0.11479380671261695},{"text":"So there's lots of different strategies that we would look at as retirement gets closer.","start":1751.3401,"end":1755.4401,"sentiment":"neutral","sentiment_score":-0.12794758528470992},{"text":"But given that you guys are still a fair amount of time out, I wouldn't recommend reducing unless you weren't comfortable with it.","start":1755.945,"end":1766.365,"sentiment":"negative","sentiment_score":-0.3505205512046814},{"text":"Okay.","start":1768.265,"end":1768.765,"sentiment":"neutral","sentiment_score":0.01668507046997547},{"text":"The next couple of documents are just the certificates of currency for your insurance.","start":1771.49,"end":1776.87,"sentiment":"neutral","sentiment_score":0.013627224468759127}],"sentiment":"neutral","sentiment_score":-0.1483360656960444,"num_words":110,"start":1722.62,"end":1776.87},{"sentences":[{"text":"So that's referring back to those first two pages.","start":1776.9299,"end":1779.65,"sentiment":"neutral","sentiment_score":-0.0035751629620790464},{"text":"They're just the the certificates of for you both.","start":1779.65,"end":1784.035,"sentiment":"neutral","sentiment_score":0.18559197750356463},{"text":"The first one being Nick with Tal, and then Lauren, yours as being with Neos.","start":1784.035,"end":1788.135,"sentiment":"neutral","sentiment_score":0.11355070223410925},{"text":"Just showing that your your policies are actually enforced.","start":1788.435,"end":1791.175,"sentiment":"neutral","sentiment_score":0.14037456611792246},{"text":"The next document is our financial services guide, a legal document that we need to provide to all clients.","start":1794.755,"end":1801.3501,"sentiment":"neutral","sentiment_score":0.10641090767948251}],"sentiment":"neutral","sentiment_score":0.10863262631731932,"num_words":61,"start":1776.9299,"end":1801.3501},{"sentences":[{"text":"It just explains who we are, that we are licensed with ASIC, the types of advice we can provide and how we do so, a guideline of fees, and then also our complaints process and the the avenues that you can take if you're unhappy with any of the services that we provide to you.","start":1801.5701,"end":1829.25,"sentiment":"neutral","sentiment_score":0.07549608993259344},{"text":"The next document is for Nick.","start":1829.25,"end":1832.5499,"sentiment":"neutral","sentiment_score":0.0345708883057038},{"text":"I'm hoping if it's in the right order, it should be the Netwealth advice fees consent renewal.","start":1832.61,"end":1837.9099,"sentiment":"neutral","sentiment_score":0.04603005737504538},{"text":"It's not okay.","start":1839.33,"end":1843.985,"sentiment":"neutral","sentiment_score":-0.030271089325348537},{"text":"Alright.","start":1844.2051,"end":1844.7051,"sentiment":"neutral","sentiment_score":0.03679470345377922}],"sentiment":"neutral","sentiment_score":0.062051252280248374,"num_words":82,"start":1801.5701,"end":1844.7051},{"sentences":[{"text":"Not in order.","start":1844.765,"end":1845.645,"sentiment":"neutral","sentiment_score":-0.05361076941092809},{"text":"I've okay.","start":1845.645,"end":1849.965,"sentiment":"neutral","sentiment_score":0.09036554768681526},{"text":"Beautiful.","start":1849.965,"end":1850.465,"sentiment":"neutral","sentiment_score":0.3327065408229828},{"text":"Alright.","start":1850.845,"end":1851.165,"sentiment":"neutral","sentiment_score":0.18958723545074463},{"text":"So the tax file number should be for yourself, Nick.","start":1851.165,"end":1854.465,"sentiment":"neutral","sentiment_score":0.17824205309152602}],"sentiment":"neutral","sentiment_score":0.13674194672528436,"num_words":17,"start":1844.765,"end":1854.465},{"sentences":[{"text":"It's just we wouldn't we'd have one on file already for you, Lauren.","start":1856.1299,"end":1859.5099,"sentiment":"neutral","sentiment_score":0.04658275462973576},{"text":"It's just confirming that you're aware and you're okay for us to hold your tax file number on file.","start":1860.1299,"end":1866.71,"sentiment":"neutral","sentiment_score":0.21889136339488782},{"text":"The reason we have it is when we up your superannuation fund, we were required to provide it to make sure, you know, that you didn't get taxed in your superannuation fund as a non Australian resident.","start":1866.9299,"end":1878.9551,"sentiment":"neutral","sentiment_score":0.06463450596139238},{"text":"So if you're happy for us, it's to acknowledge that we do hold it on your behalf.","start":1879.415,"end":1884.74,"sentiment":"neutral","sentiment_score":0.3071032604750465},{"text":"The next document, is it is the fee consent?","start":1888.48,"end":1892.74,"sentiment":"neutral","sentiment_score":0.06598060205578804}],"sentiment":"neutral","sentiment_score":0.13653230822988247,"num_words":95,"start":1856.1299,"end":1892.74},{"sentences":[{"text":"Is it for Nick or is it Lauren?","start":1893.2,"end":1895.5399,"sentiment":"neutral","sentiment_score":0.02433389169164002},{"text":"Nick.","start":1896.08,"end":1896.58,"sentiment":"neutral","sentiment_score":0.16302761435508728},{"text":"Beautiful.","start":1897.12,"end":1897.62,"sentiment":"positive","sentiment_score":0.43852293491363525},{"text":"Alright.","start":1898.375,"end":1898.875,"sentiment":"neutral","sentiment_score":0.18427646160125732},{"text":"So the fee is are calculated being a couple.","start":1899.015,"end":1903.035,"sentiment":"neutral","sentiment_score":0.05916227690047688}],"sentiment":"neutral","sentiment_score":0.0756479318253696,"num_words":20,"start":1893.2,"end":1903.035},{"sentences":[{"text":"It's based on 1.1% of your account balance, and then it's fixed for twelve months.","start":1903.415,"end":1911.1151,"sentiment":"neutral","sentiment_score":0.044985381513834},{"text":"So, previously, it would have fluctuated with the market's ups and downs.","start":1911.73,"end":1917.11,"sentiment":"neutral","sentiment_score":-0.04442954311768214},{"text":"We've changed our fee structure to be more transparent and set for clients.","start":1917.6499,"end":1924.8049,"sentiment":"neutral","sentiment_score":0.2836212756542059},{"text":"So what this form does is it has calculated your fee based on the balance and calculated it at 1.1% and then set it as a flat fee.","start":1924.945,"end":1938.99,"sentiment":"neutral","sentiment_score":0.14526983190860068},{"text":"So just under those percent, you'll see on the towards the bottom part of that page, you'll see a figure of $287.91.","start":1939.07,"end":1950.05,"sentiment":"neutral","sentiment_score":0.09828967330130664}],"sentiment":"neutral","sentiment_score":0.11176256549855074,"num_words":90,"start":1903.415,"end":1950.05},{"sentences":[{"text":"That is the monthly fee.","start":1950.83,"end":1952.025,"sentiment":"neutral","sentiment_score":0.004303772374987603},{"text":"No.","start":1965.785,"end":1966.26,"sentiment":"neutral","sentiment_score":-0.202523410320282},{"text":"No.","start":1967.62,"end":1968.12,"sentiment":"neutral","sentiment_score":-0.21910548210144043},{"text":"Hang on.","start":1969.38,"end":1969.78,"sentiment":"neutral","sentiment_score":-0.18615077435970306},{"text":"Let me have a look.","start":1969.78,"end":1971.0,"sentiment":"neutral","sentiment_score":-0.14901410192251205}],"sentiment":"neutral","sentiment_score":-0.10839157777705363,"num_words":14,"start":1950.83,"end":1971.0},{"sentences":[{"text":"What?","start":1975.22,"end":1975.72,"sentiment":"neutral","sentiment_score":-0.03481394052505493},{"text":"Okay.","start":1976.26,"end":1976.58,"sentiment":"neutral","sentiment_score":-0.007674466352909803},{"text":"So at the top of the form, does it say Netwealth advice fee consent renewal?","start":1976.58,"end":1982.225,"sentiment":"neutral","sentiment_score":-0.006353764670590559},{"text":"Okay.","start":1988.285,"end":1988.785,"sentiment":"neutral","sentiment_score":-0.01780630461871624},{"text":"I wonder.","start":1992.765,"end":1993.665,"sentiment":"neutral","sentiment_score":-0.04294956289231777}],"sentiment":"neutral","sentiment_score":-0.012075015367008746,"num_words":20,"start":1975.22,"end":1993.665},{"sentences":[{"text":"So is there a percent fee anywhere on the forms that has been sent to you?","start":1995.58,"end":2001.6799,"sentiment":"neutral","sentiment_score":-0.026487455354072154},{"text":"Okay.","start":2020.475,"end":2020.975,"sentiment":"neutral","sentiment_score":-0.07525303214788437},{"text":"I'm looking at I have been given the wrong forms or you have been sent the wrong forms.","start":2021.035,"end":2025.58,"sentiment":"neutral","sentiment_score":-0.3143569777409236},{"text":"Leave that with me to clarify.","start":2025.72,"end":2027.4,"sentiment":"neutral","sentiment_score":-0.2013863523801168},{"text":"Give me one second because I'm gonna jump in and see what is going on here.","start":2027.4,"end":2046.795,"sentiment":"neutral","sentiment_score":-0.02921465376857668}],"sentiment":"neutral","sentiment_score":-0.1374250963460981,"num_words":57,"start":1995.58,"end":2046.795},{"sentences":[{"text":"Sorry this.","start":2046.855,"end":2047.72,"sentiment":"neutral","sentiment_score":-0.22874368727207184},{"text":"I haven't come across this before.","start":2047.72,"end":2049.3398,"sentiment":"neutral","sentiment_score":-0.2466741700967153},{"text":"I potentially think the wrong form has been uploaded for Nick.","start":2094.355,"end":2100.7002,"sentiment":"negative","sentiment_score":-0.35601586374369537},{"text":"I'm looking at it now because it is different to the one that you have, Lauren.","start":2100.7002,"end":2107.04,"sentiment":"neutral","sentiment_score":-0.19916180055588484},{"text":"I think Nick's form is incorrect.","start":2110.3,"end":2111.925,"sentiment":"negative","sentiment_score":-0.37078888714313507}],"sentiment":"neutral","sentiment_score":-0.2747568055623915,"num_words":41,"start":2046.855,"end":2111.925},{"sentences":[{"text":"So what I'm gonna do is I'll resend that with the correct form for Nick.","start":2112.0051,"end":2116.905,"sentiment":"neutral","sentiment_score":-0.0928017462293307},{"text":"But Nick's will look like yours, Lauren.","start":2117.5251,"end":2119.865,"sentiment":"neutral","sentiment_score":-0.05606688665492194},{"text":"So if you skip to your one, sorry, as a reference while I'm speaking, because I'll I'll just recent.","start":2120.165,"end":2128.5598,"sentiment":"neutral","sentiment_score":-0.0694922138201563},{"text":"Yeah.","start":2129.42,"end":2129.92,"sentiment":"neutral","sentiment_score":0.05676615983247757},{"text":"Yep.","start":2130.14,"end":2130.5398,"sentiment":"neutral","sentiment_score":0.07287724316120148}],"sentiment":"neutral","sentiment_score":-0.0691907688282257,"num_words":43,"start":2112.0051,"end":2130.5398},{"sentences":[{"text":"So, Nick, yours is set at, jump back, $287.91 per month.","start":2130.5398,"end":2140.575,"sentiment":"neutral","sentiment_score":0.05350106954574585},{"text":"And that's but so that will be fixed.","start":2143.775,"end":2146.575,"sentiment":"neutral","sentiment_score":0.005257343640550971},{"text":"So previously, it used to fluctuate the percent base fee, which is was pretty standard across the advice profession.","start":2146.575,"end":2156.86,"sentiment":"neutral","sentiment_score":0.030997141999633687},{"text":"But recently, you know, it's our our advice doesn't change based on the performance.","start":2157.4001,"end":2163.98,"sentiment":"neutral","sentiment_score":-0.003211534449032375},{"text":"So if the performance of the portfolio is going well, there's really no reason why we should be paid more as such, so we fix it because our advice would be based on a fixed fee.","start":2164.04,"end":2174.3452,"sentiment":"neutral","sentiment_score":0.040466792001906365}],"sentiment":"neutral","sentiment_score":0.029901809567077595,"num_words":88,"start":2130.5398,"end":2174.3452},{"sentences":[{"text":"Yeah.","start":2177.2852,"end":2177.7852,"sentiment":"neutral","sentiment_score":0.11733894050121307},{"text":"And, Lauren, yours is the next well, you're already looking at it as a reference, but it's yours is based on $202.41 per month that would be deducted from your hub account.","start":2177.925,"end":2189.9202,"sentiment":"neutral","sentiment_score":0.06145010713953525},{"text":"Any questions about those fees?","start":2193.34,"end":2195.235,"sentiment":"neutral","sentiment_score":0.021518902853131294},{"text":"No?","start":2197.3152,"end":2197.7952,"sentiment":"neutral","sentiment_score":-0.026964984834194183},{"text":"Okay.","start":2197.7952,"end":2198.2952,"sentiment":"neutral","sentiment_score":0.11803176999092102}],"sentiment":"neutral","sentiment_score":0.05706009170971811,"num_words":40,"start":2177.2852,"end":2198.2952},{"sentences":[{"text":"Beautiful.","start":2198.3552,"end":2198.8552,"sentiment":"positive","sentiment_score":0.37483683228492737},{"text":"So what I'm going to do is please disregard the document that you have.","start":2200.115,"end":2205.2551,"sentiment":"neutral","sentiment_score":-0.08142106963454612},{"text":"I'm going to resend a new one to you to make sure that you actually have the correct ones.","start":2205.395,"end":2214.4,"sentiment":"neutral","sentiment_score":-0.04131072602773968},{"text":"And if if and when you're comfortable, I'll ask you to sign those and return them.","start":2214.46,"end":2219.68,"sentiment":"neutral","sentiment_score":0.04042588360607624},{"text":"I will also send you the email for the estate planning contacts that we use.","start":2221.5,"end":2228.595,"sentiment":"neutral","sentiment_score":0.16239961485068002}],"sentiment":"neutral","sentiment_score":0.02358225266664074,"num_words":65,"start":2198.3552,"end":2228.595},{"sentences":[{"text":"And, basically, just is there anything else that I could give that you need advice on or you wanna discuss further?","start":2229.455,"end":2237.27,"sentiment":"neutral","sentiment_score":0.12564096670775188},{"text":"Yep.","start":2241.6501,"end":2242.1501,"sentiment":"neutral","sentiment_score":-0.104383647441864},{"text":"Yep.","start":2244.77,"end":2245.27,"sentiment":"neutral","sentiment_score":-0.10491424798965454},{"text":"Yeah.","start":2262.555,"end":2263.055,"sentiment":"neutral","sentiment_score":-0.06454243510961533},{"text":"Yep.","start":2263.9949,"end":2264.4949,"sentiment":"neutral","sentiment_score":-0.06998930871486664}],"sentiment":"neutral","sentiment_score":0.09178522646427155,"num_words":25,"start":2229.455,"end":2264.4949},{"sentences":[{"text":"Why?","start":2268.48,"end":2268.98,"sentiment":"neutral","sentiment_score":-0.08963030576705933},{"text":"Yes.","start":2276.0798,"end":2276.5798,"sentiment":"neutral","sentiment_score":-0.11464159935712814},{"text":"Yes.","start":2278.72,"end":2279.22,"sentiment":"neutral","sentiment_score":0.2328517735004425},{"text":"Yeah.","start":2281.875,"end":2282.375,"sentiment":"positive","sentiment_score":0.5484017729759216},{"text":"Yeah.","start":2302.3699,"end":2302.85,"sentiment":"neutral","sentiment_score":-0.06717416644096375}],"sentiment":"neutral","sentiment_score":0.10196149498224258,"num_words":5,"start":2268.48,"end":2302.85},{"sentences":[{"text":"Projections.","start":2302.85,"end":2303.35,"sentiment":"neutral","sentiment_score":-0.14269213378429413},{"text":"Yep.","start":2303.845,"end":2304.345,"sentiment":"neutral","sentiment_score":-0.3062790334224701},{"text":"Yep.","start":2305.845,"end":2306.345,"sentiment":"neutral","sentiment_score":-0.26359784603118896},{"text":"Mhmm.","start":2309.605,"end":2310.105,"sentiment":"neutral","sentiment_score":-0.11069554835557938},{"text":"It wasn't necessarily a bad year, and I'm not sure if it was explained how the been along works.","start":2320.14,"end":2326.0598,"sentiment":"neutral","sentiment_score":-0.18434467676438784}],"sentiment":"neutral","sentiment_score":-0.18807884435290875,"num_words":23,"start":2302.85,"end":2326.0598},{"sentences":[{"text":"So to give you some comfort and explanation, it wasn't you're correct.","start":2326.0598,"end":2332.46,"sentiment":"neutral","sentiment_score":-0.005450548604130745},{"text":"It's not the Australian share market that performed badly at all.","start":2332.46,"end":2335.695,"sentiment":"negative","sentiment_score":-0.4059443013234572},{"text":"It was the investment mandate that Ben along Australian Equities Fund follows.","start":2335.915,"end":2341.455,"sentiment":"neutral","sentiment_score":-0.1568492352962494},{"text":"So their mandate so each investment company and fund has investment manager.","start":2341.515,"end":2349.24,"sentiment":"neutral","sentiment_score":-0.034665110831459366},{"text":"And think of it as a philosophy that they follow, which we call a mandate.","start":2349.7002,"end":2353.8,"sentiment":"neutral","sentiment_score":0.029352695494890214}],"sentiment":"neutral","sentiment_score":-0.10304315514381855,"num_words":62,"start":2326.0598,"end":2353.8},{"sentences":[{"text":"Now Venalong's was that they're an active manager, so their purpose is to actively seek growth opportunities.","start":2354.34,"end":2362.36,"sentiment":"neutral","sentiment_score":0.1097419279463151},{"text":"So their that what they are their mandate expects of them is that they seek out companies that they believe are undervalued in the Australian share market with the potential resources that have performed in the exchange share market.","start":2363.435,"end":2398.595,"sentiment":"neutral","sentiment_score":0.0036179739504288403},{"text":"So it's not it it's so there's two different types of investment philosophies typically.","start":2399.055,"end":2404.755,"sentiment":"neutral","sentiment_score":-0.10138472143028464},{"text":"There's your active, which have fund managers that have certain mandates that they follow, and then you've got your passive investments, which are they'll track against a certain index.","start":2404.815,"end":2416.77,"sentiment":"neutral","sentiment_score":-0.013738885200743017},{"text":"With a actively managed fund like Benelon, it is you're always gonna have some significant variances because they're not always gonna get it right.","start":2417.3901,"end":2432.065,"sentiment":"neutral","sentiment_score":-0.16653665290990224}],"sentiment":"neutral","sentiment_score":-0.030959184402675647,"num_words":123,"start":2354.34,"end":2432.065},{"sentences":[{"text":"That's their investment philosophy and belief.","start":2432.125,"end":2434.57,"sentiment":"neutral","sentiment_score":-0.04347521315018336},{"text":"And if that if that it does allow for significant growth, but it also does allow for some decent loss and some if if it's not adhered to and the market's reacting or behaving in a different way.","start":2435.03,"end":2454.115,"sentiment":"neutral","sentiment_score":-0.17927167652861067},{"text":"So the last year, yes, it was very bad for Bennelong.","start":2454.815,"end":2459.455,"sentiment":"negative","sentiment_score":-0.5734817575324666},{"text":"It was about a negative 18 nearly 19% return overall for the fund itself.","start":2459.455,"end":2465.1099,"sentiment":"negative","sentiment_score":-0.7037242225238255},{"text":"It's more so the manager, you know, probably not wrong.","start":2479.985,"end":2484.705,"sentiment":"negative","sentiment_score":-0.3340178459882736}],"sentiment":"negative","sentiment_score":-0.3363771125957181,"num_words":79,"start":2432.125,"end":2484.705},{"sentences":[{"text":"I'd say it's it's a systemic theme.","start":2484.705,"end":2489.2998,"sentiment":"neutral","sentiment_score":-0.24912227264472417},{"text":"It's not necessarily one bad decision.","start":2489.44,"end":2493.46,"sentiment":"neutral","sentiment_score":-0.25270750373601913},{"text":"It's the it's the mandate that they follow.","start":2494.0,"end":2496.5598,"sentiment":"neutral","sentiment_score":-0.10500160232186317},{"text":"So if we have a look I'm just jumping in.","start":2496.5598,"end":2499.1199,"sentiment":"neutral","sentiment_score":-0.09559385441243648},{"text":"I'm gonna give you a little bit more information.","start":2499.1199,"end":2503.035,"sentiment":"neutral","sentiment_score":-0.00784830293721623}],"sentiment":"neutral","sentiment_score":-0.12816717550158502,"num_words":40,"start":2484.705,"end":2503.035},{"sentences":[{"text":"To go back a little bit.","start":2518.39,"end":2519.75,"sentiment":"neutral","sentiment_score":-0.03234543899695078},{"text":"Let me get some information together you for you before that.","start":2519.75,"end":2522.63,"sentiment":"neutral","sentiment_score":-0.008892694826830517},{"text":"But if we look and I can email that through.","start":2522.63,"end":2525.77,"sentiment":"neutral","sentiment_score":-0.032233075425028804},{"text":"But if we look at the last twelve months, you're looking at nearly a negative 19% return as an overall for the actual Bennelong Australian Equities Fund over a ten year return.","start":2525.99,"end":2537.295,"sentiment":"negative","sentiment_score":-0.38330128276720643},{"text":"So we look long term.","start":2538.1548,"end":2539.355,"sentiment":"neutral","sentiment_score":-0.20066558420658112}],"sentiment":"neutral","sentiment_score":-0.21692487501422875,"num_words":64,"start":2518.39,"end":2539.355},{"sentences":[{"text":"We don't as well.","start":2539.355,"end":2540.575,"sentiment":"negative","sentiment_score":-0.3854576274752617},{"text":"Short term is, you know, we can't always look back.","start":2541.115,"end":2544.095,"sentiment":"neutral","sentiment_score":-0.2274918645620346},{"text":"But, you know, you're looking at about a 6% return.","start":2545.115,"end":2548.52,"sentiment":"neutral","sentiment_score":-0.2612989142537117},{"text":"So you are gonna have very negative returns.","start":2548.74,"end":2552.04,"sentiment":"negative","sentiment_score":-0.49136361479759216},{"text":"The Bennelong has had a negative pretty negative consistent return for probably the last twelve to eighteen months.","start":2552.26,"end":2560.52,"sentiment":"negative","sentiment_score":-0.5223086906803979}],"sentiment":"negative","sentiment_score":-0.39524407297372816,"num_words":50,"start":2539.355,"end":2560.52},{"sentences":[{"text":"We don't we don't systemic issue that's ongoing.","start":2561.1401,"end":2571.145,"sentiment":"neutral","sentiment_score":-0.2992557305842638},{"text":"So if we saw, for example, in your portfolio now, you've got gold and you're at yeah.","start":2571.145,"end":2576.97,"sentiment":"neutral","sentiment_score":-0.1834627354846281},{"text":"It's operating at a negative at the moment.","start":2576.97,"end":2579.29,"sentiment":"negative","sentiment_score":-0.4427757188677788},{"text":"It's returning a negative.","start":2579.29,"end":2580.51,"sentiment":"negative","sentiment_score":-0.39654725790023804},{"text":"That's not raising a flag for us because that's how we would actually expect that investment to to act.","start":2581.29,"end":2591.15,"sentiment":"negative","sentiment_score":-0.4485720756806825}],"sentiment":"negative","sentiment_score":-0.34221743872123106,"num_words":56,"start":2561.1401,"end":2591.15},{"sentences":[{"text":"It's going to but with the Benelon, for example, that's not how we would expect it to act for a long period of time.","start":2591.4548,"end":2601.2349,"sentiment":"neutral","sentiment_score":-0.2941891085356474},{"text":"So what our job is to do is to make sure that, yep, it's you're never gonna get a perfect portfolio.","start":2602.015,"end":2610.27,"sentiment":"neutral","sentiment_score":-0.046883477873745416},{"text":"Some years are gonna be fantastic depending on typically the global events that are occurring at the time because they're the ones that have the biggest impact on how the market reacts.","start":2611.45,"end":2623.855,"sentiment":"neutral","sentiment_score":0.09543680096976459},{"text":"But it's to make sure that if there is something of any concern that we are acting on it as fast as possible, but not being reactive.","start":2623.855,"end":2634.15,"sentiment":"neutral","sentiment_score":0.003381514024955255},{"text":"So if we had a for example, we wouldn't be doing our jobs if we saw Ben along performing bad for six months and said, okay.","start":2635.09,"end":2642.13,"sentiment":"neutral","sentiment_score":-0.18160422003039947}],"sentiment":"neutral","sentiment_score":-0.07401171424067937,"num_words":130,"start":2591.4548,"end":2642.13},{"sentences":[{"text":"Get everybody out of there because that's just a that's a reaction to a negative return.","start":2642.13,"end":2650.585,"sentiment":"neutral","sentiment_score":-0.32490901555866003},{"text":"We aren't following our investment philosophy and making sure that we're not doing doing our due diligence, essentially.","start":2650.965,"end":2659.225,"sentiment":"negative","sentiment_score":-0.3605177071359422},{"text":"But when it becomes a systemic issue, that's when it's our job to go, no.","start":2659.98,"end":2664.32,"sentiment":"neutral","sentiment_score":-0.19487135708332062},{"text":"We've gotta do further investigation here and look at alternatives, what's the actual problem, what's happening, and so on.","start":2664.38,"end":2675.7048,"sentiment":"neutral","sentiment_score":-0.28583581039780065},{"text":"So it's never gonna be perfect.","start":2676.4048,"end":2679.065,"sentiment":"negative","sentiment_score":-0.353328970571359}],"sentiment":"neutral","sentiment_score":-0.2994836156029959,"num_words":74,"start":2642.13,"end":2679.065},{"sentences":[{"text":"I wish I had a crystal ball because I would be getting the lotto numbers myself.","start":2679.845,"end":2687.0999,"sentiment":"neutral","sentiment_score":-0.11881632544100285},{"text":"But, yeah, our job is to not be reactive, but proactive when required.","start":2687.96,"end":2698.14,"sentiment":"neutral","sentiment_score":-0.00789805301106893},{"text":"So the removal of the banner long when it was was actually a good move.","start":2698.215,"end":2703.095,"sentiment":"neutral","sentiment_score":-0.17891908089319866},{"text":"There are some clients that are unfortunately still exposed to banner long and are still experiencing significant losses with this sitting in about the 16 negative 16 at the moment.","start":2703.095,"end":2712.955,"sentiment":"negative","sentiment_score":-0.47992262641588845},{"text":"So you were definitely at at a good time.","start":2715.58,"end":2720.48,"sentiment":"neutral","sentiment_score":0.3268317762348387}],"sentiment":"neutral","sentiment_score":-0.19450258934892803,"num_words":83,"start":2679.845,"end":2720.48},{"sentences":[{"text":"And it yeah.","start":2724.3801,"end":2726.14,"sentiment":"neutral","sentiment_score":0.1832577387491862},{"text":"So it works It's not great, but then when we cashed it out and also bought the beta shares, the offset was that there was no capital gains tax charged within the portfolio and that we were able to adjust the portfolio in a tax effective manner as well.","start":2726.14,"end":2745.76,"sentiment":"neutral","sentiment_score":0.12108193527983159},{"text":"So it doesn't just come down to although, you know, returns are extremely, extremely important, they're not the only thing that that's gonna see you reach your retirement goals.","start":2745.82,"end":2759.375,"sentiment":"neutral","sentiment_score":-0.04058423619075068},{"text":"And if we look at projections, because I know you just touched on those before, I personally don't like projections.","start":2759.7551,"end":2765.935,"sentiment":"neutral","sentiment_score":-0.2780554562807083},{"text":"The reason being is that depending on how far you're projected out, they're very, very speculative in nature.","start":2766.635,"end":2777.57,"sentiment":"neutral","sentiment_score":-0.3199221400751008}],"sentiment":"neutral","sentiment_score":-0.05053665925662558,"num_words":119,"start":2724.3801,"end":2777.57},{"sentences":[{"text":"If I'm ever gonna do a projection, I'm gonna do a projection based on CPI or just above CPI because anything can change at any point in time.","start":2778.3499,"end":2790.685,"sentiment":"neutral","sentiment_score":-0.17866116043712413},{"text":"If there is a a loss a period of time where super contributions aren't being made or, for example, if those projections didn't allow for your insurance premiums to be deducted, There's so many variables in there that if they're not done properly, they can give an inflated expectation of what you would what you can expect at retirement.","start":2791.225,"end":2818.81,"sentiment":"negative","sentiment_score":-0.37096652994721624},{"text":"So we don't actually do projections that far out anymore.","start":2819.755,"end":2823.755,"sentiment":"negative","sentiment_score":-0.44123040437698363},{"text":"We do, I think it's like a five year based on current circumstances and the average return of eight to 10% in a high growth portfolio with negative returns allowed.","start":2823.755,"end":2837.6702,"sentiment":"negative","sentiment_score":-0.34620699286460876},{"text":"So to avoid that expectation that yeah.","start":2837.73,"end":2847.645,"sentiment":"neutral","sentiment_score":-0.24447362550667354}],"sentiment":"neutral","sentiment_score":-0.32387587289089587,"num_words":134,"start":2778.3499,"end":2847.645},{"sentences":[{"text":"Yeah.","start":2854.365,"end":2854.7651,"sentiment":"neutral","sentiment_score":-0.06790713220834732},{"text":"And and you know what?","start":2854.7651,"end":2856.145,"sentiment":"neutral","sentiment_score":-0.11164409294724464},{"text":"It is really it's really hard because, you know, we wanna be able to provide something, but it's also it's difficult to do that in a really realistic manner.","start":2856.445,"end":2874.19,"sentiment":"negative","sentiment_score":-0.4447452826746579},{"text":"So I think that's why we've wound it back back a little bit in respect of the projections because they can be really speculative and overinflated at times.","start":2874.33,"end":2893.22,"sentiment":"neutral","sentiment_score":-0.32374213529484613},{"text":"Yep.","start":2893.6,"end":2894.1,"sentiment":"neutral","sentiment_score":0.03559049591422081}],"sentiment":"negative","sentiment_score":-0.35238953260704875,"num_words":64,"start":2854.365,"end":2894.1},{"sentences":[{"text":"And just touching on the the basic the the comment that you made earlier about how Netwealth is doing.","start":2894.8801,"end":2903.44,"sentiment":"neutral","sentiment_score":-0.0013792885369376133},{"text":"It's Netwealth is just the platform.","start":2903.44,"end":2905.3801,"sentiment":"neutral","sentiment_score":0.004212916052589814},{"text":"It's your underlying investments that can that produce the performance.","start":2905.835,"end":2909.775,"sentiment":"neutral","sentiment_score":0.07984519209712744},{"text":"So if I go to just a really popular industry fund to let you know who q super is.","start":2909.9148,"end":2916.7349,"sentiment":"neutral","sentiment_score":0.06270740632163851},{"text":"Yep.","start":2917.835,"end":2918.315,"sentiment":"neutral","sentiment_score":0.11871086061000824}],"sentiment":"neutral","sentiment_score":0.03832135483283888,"num_words":55,"start":2894.8801,"end":2918.315},{"sentences":[{"text":"I just use that one because everyone knows who it is.","start":2918.315,"end":2920.8948,"sentiment":"neutral","sentiment_score":0.10620417039502751},{"text":"I'm looking at a portfolio at the moment of theirs that is falls within the high growth range.","start":2922.4302,"end":2928.83,"sentiment":"neutral","sentiment_score":0.0547169190314081},{"text":"So that so that $90.10 allocation, actually, even a little bit more.","start":2928.83,"end":2934.83,"sentiment":"neutral","sentiment_score":0.009157732905199131},{"text":"They're a little bit more exposed to cash I mean, gross by about seven to 8%, and their return for the last year was 7.15%.","start":2934.83,"end":2946.5752,"sentiment":"neutral","sentiment_score":0.010742132812738418},{"text":"And now and that and that's grosser fees, so that's not net.","start":2947.115,"end":2950.895,"sentiment":"neutral","sentiment_score":-0.02312165607387821}],"sentiment":"neutral","sentiment_score":0.028899187938525125,"num_words":78,"start":2918.315,"end":2950.895},{"sentences":[{"text":"QSuper doesn't yep.","start":2951.195,"end":2952.93,"sentiment":"neutral","sentiment_score":0.013317364784597885},{"text":"So it's more the investment options that it's not Netwealth themselves.","start":2953.41,"end":2958.39,"sentiment":"neutral","sentiment_score":0.00414540325503119},{"text":"It's the underlying investment options.","start":2958.8499,"end":2961.27,"sentiment":"neutral","sentiment_score":0.005279827956110239},{"text":"Does that does that help?","start":2964.13,"end":2965.8298,"sentiment":"neutral","sentiment_score":0.22933025956153869},{"text":"Yep.","start":2967.25,"end":2967.65,"sentiment":"neutral","sentiment_score":0.2260214537382126}],"sentiment":"neutral","sentiment_score":0.05938493685942376,"num_words":25,"start":2951.195,"end":2967.65},{"sentences":[{"text":"Okay.","start":2967.65,"end":2968.05,"sentiment":"neutral","sentiment_score":0.284734845161438},{"text":"Because I always just wanna make sure that everyone understands and, you know, you're able to make an informed decision.","start":2968.05,"end":2975.305,"sentiment":"positive","sentiment_score":0.39906908124685286},{"text":"So if if there's anything else that I need to explain or give you information on, I'm absolutely 100% happy to do that.","start":2975.305,"end":2987.8801,"sentiment":"positive","sentiment_score":0.41786793846151105},{"text":"Yes.","start":2987.8801,"end":2988.28,"sentiment":"neutral","sentiment_score":0.1540277600288391},{"text":"Okay.","start":2988.28,"end":2988.6802,"sentiment":"neutral","sentiment_score":0.19934019446372983}],"sentiment":"positive","sentiment_score":0.3963140654175178,"num_words":46,"start":2967.65,"end":2988.6802},{"sentences":[{"text":"Beautiful.","start":2988.6802,"end":2989.1802,"sentiment":"neutral","sentiment_score":0.3148204982280731},{"text":"Alright.","start":2990.6,"end":2991.1,"sentiment":"neutral","sentiment_score":0.18890810012817383},{"text":"Well, I am just one last question.","start":2991.1602,"end":2994.9402,"sentiment":"neutral","sentiment_score":0.07433721529585975},{"text":"We have you guys on annual reviews.","start":2995.0,"end":2997.4202,"sentiment":"neutral","sentiment_score":0.06333207339048386},{"text":"Are you happy to continue with annual reviews?","start":2997.5452,"end":3000.425,"sentiment":"neutral","sentiment_score":0.07587917847558856}],"sentiment":"neutral","sentiment_score":0.08643529362355669,"num_words":24,"start":2988.6802,"end":3000.425},{"sentences":[{"text":"Did you want them more frequent?","start":3000.425,"end":3002.0452,"sentiment":"neutral","sentiment_score":0.03341685452808937},{"text":"It Yep.","start":3002.5452,"end":3005.8052,"sentiment":"neutral","sentiment_score":0.06198261026293039},{"text":"Yep.","start":3008.8252,"end":3009.3252,"sentiment":"neutral","sentiment_score":0.051575448364019394},{"text":"Mortgage broker.","start":3019.8,"end":3020.8599,"sentiment":"neutral","sentiment_score":0.035732343792915344},{"text":"Okay.","start":3030.0552,"end":3030.2952,"sentiment":"neutral","sentiment_score":0.07814571261405945}],"sentiment":"neutral","sentiment_score":0.04380434968819221,"num_words":12,"start":3000.425,"end":3030.2952},{"sentences":[{"text":"Okay.","start":3030.2952,"end":3030.7952,"sentiment":"neutral","sentiment_score":0.08110389113426208},{"text":"Actually, we have I actually met with someone.","start":3048.435,"end":3051.415,"sentiment":"neutral","sentiment_score":0.00645610480569303},{"text":"Yeah.","start":3052.195,"end":3052.695,"sentiment":"neutral","sentiment_score":0.10097160935401917},{"text":"I actually met with someone new just recently.","start":3052.915,"end":3055.495,"sentiment":"neutral","sentiment_score":0.17248033173382282},{"text":"Let me jump into the system.","start":3058.2751,"end":3060.27,"sentiment":"neutral","sentiment_score":0.21673332651456198}],"sentiment":"neutral","sentiment_score":0.12141528966215749,"num_words":24,"start":3030.2952,"end":3060.27},{"sentences":[{"text":"I actually quite liked them.","start":3063.6301,"end":3065.07,"sentiment":"positive","sentiment_score":0.6765438675880432},{"text":"They're called Truth Front Financial Truth Financial, I should say.","start":3065.07,"end":3069.17,"sentiment":"positive","sentiment_score":0.38715686202049254},{"text":"They seems like really onto it.","start":3071.31,"end":3074.27,"sentiment":"positive","sentiment_score":0.45781610906124115},{"text":"What I'm going to do is I'm just sorry.","start":3074.27,"end":3078.5251,"sentiment":"neutral","sentiment_score":0.04798658026589288},{"text":"We've got documents saved everywhere.","start":3078.5251,"end":3081.0251,"sentiment":"neutral","sentiment_score":-0.02681727707386017}],"sentiment":"neutral","sentiment_score":0.29425649855818065,"num_words":35,"start":3063.6301,"end":3081.0251},{"sentences":[{"text":"Did you want a a contact for that, or have you got or is it you wanna reach back out to them?","start":3083.565,"end":3102.22,"sentiment":"neutral","sentiment_score":0.01250232383608818},{"text":"Mhmm.","start":3102.22,"end":3102.405,"sentiment":"neutral","sentiment_score":-0.007076443172991276},{"text":"Yep.","start":3112.0051,"end":3112.5051,"sentiment":"neutral","sentiment_score":0.002014555037021637},{"text":"I re yeah.","start":3112.885,"end":3115.445,"sentiment":"neutral","sentiment_score":0.07420808263123035},{"text":"I think the guys that we met with actually this week, I think that that definitely be able to help you.","start":3115.445,"end":3122.0,"sentiment":"positive","sentiment_score":0.4048734364055452}],"sentiment":"neutral","sentiment_score":0.1873949093472523,"num_words":48,"start":3083.565,"end":3122.0},{"sentences":[{"text":"I can do an introduction email if you like, and you can just reach out.","start":3122.0,"end":3126.4001,"sentiment":"neutral","sentiment_score":0.14994451602300007},{"text":"They can reach out to you, and you can make an appointment whenever or a phone consultation, yeah, whenever works for you guys.","start":3126.4001,"end":3133.54,"sentiment":"neutral","sentiment_score":0.19926057010889053},{"text":"I'll get mad I'll get Maddie to do that from our office.","start":3133.985,"end":3137.845,"sentiment":"neutral","sentiment_score":0.1785763781517744},{"text":"So yeah.","start":3137.985,"end":3140.0051,"sentiment":"neutral","sentiment_score":0.08634456619620323},{"text":"But in the meantime, I will send you through that fee report for your information, and I'll send you the estate planning forms the estate planning brochures as well.","start":3140.145,"end":3154.0598,"sentiment":"neutral","sentiment_score":0.13276858627796173}],"sentiment":"neutral","sentiment_score":0.16046982129782805,"num_words":81,"start":3122.0,"end":3154.0598},{"sentences":[{"text":"Alright.","start":3155.64,"end":3156.14,"sentiment":"neutral","sentiment_score":0.252594918012619},{"text":"Fantastic.","start":3156.2,"end":3156.7,"sentiment":"neutral","sentiment_score":0.050215255469083786},{"text":"And once you've got those brochures, if you want us to do an introduction or if you want me to just do an introduction anyway so they reach out to you, I can be guided by you.","start":3156.8398,"end":3168.545,"sentiment":"neutral","sentiment_score":0.13130991321963234},{"text":"Did you want me to do that intro?","start":3171.325,"end":3173.025,"sentiment":"neutral","sentiment_score":0.1380155673250556},{"text":"Yep.","start":3174.6848,"end":3175.1848,"sentiment":"neutral","sentiment_score":0.2602602541446686}],"sentiment":"neutral","sentiment_score":0.13595128656985858,"num_words":48,"start":3155.64,"end":3175.1848},{"sentences":[{"text":"Beautiful.","start":3175.2449,"end":3175.7449,"sentiment":"positive","sentiment_score":0.5931164026260376},{"text":"Alright.","start":3175.885,"end":3176.285,"sentiment":"neutral","sentiment_score":0.19651412963867188},{"text":"I'll do that, and I'll still send you the brochure in a separate in a separate email to that one.","start":3176.285,"end":3182.1099,"sentiment":"neutral","sentiment_score":0.1696436695754528},{"text":"Yep.","start":3188.73,"end":3189.23,"sentiment":"neutral","sentiment_score":0.06331324577331543},{"text":"Yep.","start":3189.29,"end":3189.79,"sentiment":"neutral","sentiment_score":0.06756903231143951}],"sentiment":"neutral","sentiment_score":0.17972442507743835,"num_words":24,"start":3175.2449,"end":3189.79},{"sentences":[{"text":"I'm going to pop them through in a moment.","start":3189.8499,"end":3193.245,"sentiment":"neutral","sentiment_score":0.12109775675667657},{"text":"Alright.","start":3194.825,"end":3195.325,"sentiment":"positive","sentiment_score":0.33937138319015503},{"text":"Thank you so much.","start":3195.705,"end":3196.925,"sentiment":"positive","sentiment_score":0.6716357618570328},{"text":"No.","start":3197.945,"end":3198.2651,"sentiment":"neutral","sentiment_score":0.10046301037073135},{"text":"Thank you, and enjoy your weekend.","start":3198.2651,"end":3199.965,"sentiment":"positive","sentiment_score":0.5205371181170145}],"sentiment":"positive","sentiment_score":0.3494990457381521,"num_words":21,"start":3189.8499,"end":3199.965},{"sentences":[{"text":"You too.","start":3200.425,"end":3201.165,"sentiment":"positive","sentiment_score":0.42494264245033264},{"text":"Bye.","start":3202.5051,"end":3203.0051,"sentiment":"neutral","sentiment_score":-0.10372176021337508}],"sentiment":"neutral","sentiment_score":0.2487211748957634,"num_words":3,"start":3200.425,"end":3203.0051}]}}]},{"alternatives":[{"transcript":"Hello. Lauren speaking. Yeah. Well, thank you. Thank you for calling. Sorry. My husband and I were expecting. I I think he just said he missed your call. Sorry. Okay. Yep. Yeah. Sure. Yeah. Lauren Jane Ashton, 03/28/1985, and 12 Healy Court, Matruba. Yes. Nikki, you available, Nikki? Yeah. Yeah. One second. Sorry. I think he's just finishing up in in a meeting, Turning his computer off. Yeah. One sec. And did you need him to verify himself as well? Hi there. Hey. Hello? Yeah. Sure. Nicholas William Ashton. 07/27/1980. 12 Healy Court, Mantra Bar 4213. Yeah. Good. Thank you. Yeah. Good. Friday. Just, yeah, finishing up work and then kids all weekend. So yeah. Can't relate. Mhmm. I've I've just started a new job, actually, as in sort of five, six weeks ago. Yeah. So so super new. So, yeah, my similar title, similar thing. Yeah. My salary's changed a bit. So yeah. We we can update it, but if you if you need. What's my title? Global. Yeah. Just just put partner director. It's fine. Partner director. HumanForce, so just h u m a n f o r c e. Yes. Well, I think the, you know, like, the standard, whatever that is Forty. By contract 40 or something. I mean, put on there. Yeah. Well, I have a basic salary of $2.20 and then soup super on top of that, and I have a an OTE as well of $3.67 for that CR bonus and and all that stuff. Mhmm. Yep. Yep. That's right. Yep. Full time. Yes. Standard hours. Six in six years in January. Yeah. It's now it's I mean, it's not much increase, but it's now a one two one or close to one two two. And, you're saying 25% of on target earnings, but with, ramping as well. So this year, it'll be a good one. I don't think anything's changed. Just because I'm Yeah. The school fees and everything else, I don't think it's changed significantly. No. No, actually. No. I think Yeah. Probably we're cut. Yeah. Mortgage payments to the same and Yep. And touch less on there. I don't know. Yeah. They are less because we're remortgage, but yeah. Yep. No. I think let's include them. Yeah. Yeah. Nothing's nothing's changed significantly so far as our outgoing since we've we've last done this yet. We can't do you wanna know how much savings you currently have? So, no, there's not intended regular savings. We just put in whatever's left. So we have about 80 in our savings at the moment, and they'll they'll go up, and then they'll just go down again with school fees and all the rest, up and down, up and down. Yeah. We've got a few bits for the house and everything else. Yeah. We've put down yeah. It's yeah. It's close to 1.6. 1.6 plus. Yep. Let's so I can quickly tell you what the debt is. One second. So I'll just log in on the house only on the mortgage. The mortgage we are owing currently is taking out the savings. If it's with the 80 k set aside and not included in the offset, it's $62.07. That is the debt's now 80 ish. Yep. Thousand? Yeah. Still the case. Yeah. No. Not really. I I think I cashed out a bit before I had left. And, yeah, I just yeah. I couldn't cash them all out because they're whatchamacallit? There's you know, that you have to wait for them to invest, and they hadn't, and I and I resigned. So yeah. Yeah. But nothing nothing really new on the share thing, though. I think yeah. Yeah. When when was the last time we did this? Your share? Yeah. What about your let's say, p shares? Yeah. Yeah. So if you cashed them out, you won't have any you won't have any left. No. They're gone. If you cashed them out, you cashed them out. Otherwise, they're gone. No. No. They're gone. Yeah. Yeah. Oh, yeah. That's no. We're still definitely on our to do list, like and I have your con the contact details with you recommended. But if you could send them over again, that'd be brilliant because we do need to do that. Yeah. We've been talking about it. We need to do it. Thank you. We just can't find anyone that wants to take our children in the event that we have to move back here. That's not true. But I guess. Mhmm. Yep. Correct. Definitely. Yep. We almost did and pulled the plug at the last minute this year. So, definitely, we changed our mind on that after everything's changed. Yes. We went through it to refinance, and, yeah, we were about to do it. And then, obviously, with all the changes and yeah. It's a with CGT and Yeah. So no. Negative gearing and so on. Yeah. We just parked it. So we had the voltage of And I don't I don't think we even wanna do in the future now. It feels like too. At the moment. Yeah. Yeah. Yeah. Yeah. Okay. Okay. Maybe in the future. For now, we kinda want the income coming in to handle expenses and all the rest. I'm so sorry. Can you sorry. Could you just repeat that again? So sorry. I was just just so I understand that. Okay. Mhmm. Yeah. Okay. Yeah. I'm sitting in front of my computer. Yeah. Mhmm. Yeah. Yep. Cool. It's open in front of us. Yeah. We can see. It's the we can see. Yep. Yep. Yep. Mhmm. Yeah. Okay. Yeah. I I mean, that's yeah. That's sorta I think my pay code now is yeah. With my basic salary is that so I think, yeah, that's that's fine. Yeah. I mean, I I don't think it needs to be any we don't need to make any changes there, do we not? I don't think so. It's up to I mean, I thought I wasn't sure if because his salary has increased significantly if anything needs to be changed on any of their life, TPD, or income protection. But we'll take a look. I think I've gotta work out if they're gonna pay me my bonus. Yeah. They're working me pretty hard, so I hope so. But, yeah, I mean, you know, that's that's obviously the the the the major difference, right, with the the OT and everything. But it's just very early. Eight. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yes. I think for the time being, it's fine. Yeah. Yeah. Mhmm. Go. K. Mhmm. Mhmm. Sure. Yeah. That's re no. That's reasonable. Mhmm. Oh, you did? Sorry. One second. Yes. Yeah. Yeah. Sorry. I thought I lost you. Mhmm. No. What was that for? For my insurance. Okay. So Oh, we don't have it. We don't have trauma. Okay. No worries. That's fine. We'll I will have a chat, and we'll look into it. Do you want it? Okay. I think, yeah, I think we're okay. Yeah. That's all good. Thank you. Work at the moment there. Yes. Email. Yes. I've been watching that spot. So where we so where on this document are we looking? Because it's quite a lot going on. I'm not sure where. Yep. That's the right one. Total. Oh, I see. Yep. Yep. Mhmm. What what was the overall loss of that one? Sorry, Jenna. Just looking at my one. I'm not yeah. It says for the Benelon. Yeah. Oh, no. No. But sorry. Just just the impact of the the Benelon Fund. Minus six. Yeah. So it's about 9,000 dollars, was it? That was just yeah. Okay. Yeah. Okay. Yeah. Oh, yeah. Okay. Yeah. Yeah. Okay. Cool. Yeah. Look. I mean, it is what it is. It's, yeah, disappointing, but it, you know, it it's at least, yeah, it's not in negative. And, yeah, we're not retiring anytime soon, so it's not not yeah. Cool. Yeah. Yeah. Cool. Okay. Yeah. So yes. I was in the on this on next one here, there's no I see the total portfolio net of fees, cost, and rebates. Does it have a total for the fees and cost and rebates here? Can I see a total there or no? Oh, sure. Okay. Oh, that's alright. I was just wondering if that was in there, but that's okay. Yeah. That'd be great. I was just interested in just seeing considering it wasn't a great year how much actually paid in fees in terms of how much we actually got out of it. Mhmm. Okay. Cool. Yep. Cool. Mhmm. No. No. Yes. It is. Mhmm. Yes. Mhmm. Yep. Okay. Mhmm. Yep. Yeah. I'm pretty okay to do that, Nikki. What are you? 100%. Yeah. At the moment. Yeah. Sure. Mhmm. Yeah. Sure. Yep. Yep. No. The next one we have is option to provide tax file number. Oh, then we have the advice, fees, consent after that. Yeah. Yeah. Yep. I've got the next one. Yep. Okay. Nick. Nick. Yeah. Mhmm. I don't see $2.87. I see for Nick fixed dollar ongoing member fee advice. Is that where I'm looking? I don't see 200 and something anywhere. Yes. Not renewal. It says net Netwealth advice fees consent. Percent. I can't see a percent anywhere. I just see you'll pay the following ongoing fees from your account from the 09/01/2026. You'll have a $6 payment amount of $426.28 per month. Okay. Mhmm. Yep. I see the difference. Yeah. Okay. Yeah. Yep. Okay. Yeah. Yeah. Yeah. Okay. Yeah. Cool. That makes sense. Okay. No. Mhmm. Yes. Not really, but just just quickly because this has I have been thinking about and discussing with the Australian been a long thing and how it wasn't a great year. Because I totally get there's gonna be ups and downs. And looking at that, you know, the graph that you showed us in the documents here, it does the market obviously do go up and down. We do have to expect a bad year here and there. But it doesn't seem like that loss was an overall market effect. It seems like it was a obviously, one Yeah. It's a fund. It was it was just a one fund. And so it's it's obviously it's it's a bit it's a bit disappointing. I'll be and I'm like, whatever. It's not personal, but it's just it's disappointing because it it's such you know, we pay we have financial advisers, and we pay fees to ensure we get a good return. So it it has and to be honest, it has made us question, are we in the right fund? Because when we first moved to Netwealth a few years ago, the predictions I I have a document somewhere that was saved, and the prediction for where we would be now, we we haven't met it. We're quite far below where we were projected to be in at this point in time. So, yeah, I'm just kinda wondering how we're performing as compared to the average fund. And I know it was just a bad year, and there's nothing you can do about that now. But Yeah. Mhmm. What I thought it was to do with one of the comp one of the things they held in the fund, one of the main companies they held in the fund was completely devalued or wiped out or something along those lines. You know? Mhmm. Okay. Mhmm. Mhmm. Right. Okay. Mhmm. Yeah. Yeah. Yes. Mhmm. Yeah. Okay. Mhmm. Yep. Okay. Yeah. Yep. Yeah. Mhmm. Yeah. Yeah. No. Exactly that. Maybe yeah. I think I think when we joined NetSoftwell, I probably didn't realize the projections, the adjusted projections. I thought, oh, great. We're gonna have this much money. But yeah. No. Yeah. Yeah. Okay. No reasonable. Fair enough. Mhmm. Yep. Yeah. Mhmm. Okay. Yeah. Okay. Yeah. Yeah. Yep. No. That's reasonable. Yeah. Cool. Makes sense. Thank you. Yep. Yep. Yeah. No worries. Thank you. I think that answers everything. I wanted to kinda speak it out. No. That's pretty good. So annual's pretty good. I we keep an eye on how the funds got doing online anyway. So kinda have yeah. The annual I think I think the only one I want is it what was the name of is it Shahail? What's his company? Shahil, the mortgage broker. Yeah. Was that through Yeah. I think she has put us in touch with our mortgage broker Shahil once let me check. Probably his contacts will be saved in my phone. Yes. Is he okay? Okay. That doesn't matter. I think I'm pretty sure we got his number from you. It's just the mortgage broker that you recommended to us, but I was just saying if you you still if you still recommended him. But but or if we have a What did you want, Nikki? I think we're okay. Yeah. There was it was a minor thing, really, because I think it's you know, we're we're toying with the idea of selling our house, you know Upgrading. Moving to and, you know, somewhere else. But, yeah, it's not not pressing. It's just if you if you had any sort of affiliation or whatever it may be with a mortgage broker, that's all. Yeah. That's great. Yeah. That'd be great. Yeah. Thanks for yeah. Cool. Thank you. Excellent. W d e cals. Yeah. Yeah. No. That's a priority. We need to do it. Wonderful. That's perfect. Thank you so much. Oh, yeah. The intro. Yeah. Yeah. Yeah. Perfect. Yes. Easy. Thank you. Just to clarify, Jenny, you're gonna send through that correct document, and then we'll sign those and return work. Easy. Oh, excellent. Alright. Thank you for your time. Thanks for your help. Have a good weekend. Thank you. Goodbye. 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Lauren speaking. Yeah. Well, thank you. Thank you for calling.\n\nSorry. My husband and I were expecting. I I think he just said he missed your call. Sorry. Okay.\n\nYep. Yeah. Sure. Yeah. Lauren Jane Ashton, 03/28/1985, and 12 Healy Court, Matruba.\n\nYes. Nikki, you available, Nikki? Yeah. Yeah. One second.\n\nSorry. I think he's just finishing up in in a meeting, Turning his computer off. Yeah. One sec. And did you need him to verify himself as well?\n\nHi there. Hey. Hello? Yeah. Sure.\n\nNicholas William Ashton. 07/27/1980. 12 Healy Court, Mantra Bar 4213. Yeah. Good.\n\nThank you. Yeah. Good. Friday. Just, yeah, finishing up work and then kids all weekend.\n\nSo yeah. Can't relate. Mhmm. I've I've just started a new job, actually, as in sort of five, six weeks ago. Yeah.\n\nSo so super new. So, yeah, my similar title, similar thing. Yeah. My salary's changed a bit. So yeah.\n\nWe we can update it, but if you if you need. What's my title? Global. Yeah. Just just put partner director.\n\nIt's fine. Partner director. HumanForce, so just h u m a n f o r c e. Yes. Well, I think the, you know, like, the standard, whatever that is Forty.\n\nBy contract 40 or something. I mean, put on there. Yeah. Well, I have a basic salary of $2.20 and then soup super on top of that, and I have a an OTE as well of $3.67 for that CR bonus and and all that stuff. Mhmm.\n\nYep. Yep. That's right. Yep. Full time.\n\nYes. Standard hours. Six in six years in January. Yeah. It's now it's I mean, it's not much increase, but it's now a one two one or close to one two two.\n\nAnd, you're saying 25% of on target earnings, but with, ramping as well. So this year, it'll be a good one. I don't think anything's changed. Just because I'm Yeah. The school fees and everything else, I don't think it's changed significantly.\n\nNo. No, actually. No. I think Yeah. Probably we're cut.\n\nYeah. Mortgage payments to the same and Yep. And touch less on there. I don't know. Yeah.\n\nThey are less because we're remortgage, but yeah. Yep. No. I think let's include them. Yeah.\n\nYeah. Nothing's nothing's changed significantly so far as our outgoing since we've we've last done this yet. We can't do you wanna know how much savings you currently have? So, no, there's not intended regular savings. We just put in whatever's left.\n\nSo we have about 80 in our savings at the moment, and they'll they'll go up, and then they'll just go down again with school fees and all the rest, up and down, up and down. Yeah. We've got a few bits for the house and everything else. Yeah. We've put down yeah.\n\nIt's yeah. It's close to 1.6. 1.6 plus. Yep. Let's so I can quickly tell you what the debt is.\n\nOne second. So I'll just log in on the house only on the mortgage. The mortgage we are owing currently is taking out the savings. If it's with the 80 k set aside and not included in the offset, it's $62.07. That is the debt's now 80 ish.\n\nYep. Thousand? Yeah. Still the case. Yeah.\n\nNo. Not really. I I think I cashed out a bit before I had left. And, yeah, I just yeah. I couldn't cash them all out because they're whatchamacallit?\n\nThere's you know, that you have to wait for them to invest, and they hadn't, and I and I resigned. So yeah. Yeah. But nothing nothing really new on the share thing, though. I think yeah.\n\nYeah. When when was the last time we did this? Your share? Yeah. What about your let's say, p shares?\n\nYeah. Yeah. So if you cashed them out, you won't have any you won't have any left. No. They're gone.\n\nIf you cashed them out, you cashed them out. Otherwise, they're gone. No. No. They're gone.\n\nYeah. Yeah. Oh, yeah. That's no. We're still definitely on our to do list, like and I have your con the contact details with you recommended.\n\nBut if you could send them over again, that'd be brilliant because we do need to do that. Yeah. We've been talking about it. We need to do it. Thank you.\n\nWe just can't find anyone that wants to take our children in the event that we have to move back here. That's not true. But I guess. Mhmm. Yep.\n\nCorrect. Definitely. Yep. We almost did and pulled the plug at the last minute this year. So, definitely, we changed our mind on that after everything's changed.\n\nYes. We went through it to refinance, and, yeah, we were about to do it. And then, obviously, with all the changes and yeah. It's a with CGT and Yeah. So no.\n\nNegative gearing and so on. Yeah. We just parked it. So we had the voltage of And I don't I don't think we even wanna do in the future now. It feels like too.\n\nAt the moment. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Okay. Maybe in the future. For now, we kinda want the income coming in to handle expenses and all the rest. I'm so sorry.\n\nCan you sorry. Could you just repeat that again? So sorry. I was just just so I understand that. Okay.\n\nMhmm. Yeah. Okay. Yeah. I'm sitting in front of my computer.\n\nYeah. Mhmm. Yeah. Yep. Cool.\n\nIt's open in front of us. Yeah. We can see. It's the we can see. Yep.\n\nYep. Yep. Mhmm. Yeah. Okay.\n\nYeah. I I mean, that's yeah. That's sorta I think my pay code now is yeah. With my basic salary is that so I think, yeah, that's that's fine. Yeah.\n\nI mean, I I don't think it needs to be any we don't need to make any changes there, do we not? I don't think so. It's up to I mean, I thought I wasn't sure if because his salary has increased significantly if anything needs to be changed on any of their life, TPD, or income protection. But we'll take a look. I think I've gotta work out if they're gonna pay me my bonus.\n\nYeah. They're working me pretty hard, so I hope so. But, yeah, I mean, you know, that's that's obviously the the the the major difference, right, with the the OT and everything. But it's just very early. Eight.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Yes. I think for the time being, it's fine. Yeah. Yeah.\n\nMhmm. Go. K. Mhmm. Mhmm.\n\nSure. Yeah. That's re no. That's reasonable. Mhmm.\n\nOh, you did? Sorry. One second. Yes. Yeah.\n\nYeah. Sorry. I thought I lost you. Mhmm. No.\n\nWhat was that for? For my insurance. Okay. So Oh, we don't have it. We don't have trauma.\n\nOkay. No worries. That's fine. We'll I will have a chat, and we'll look into it. Do you want it?\n\nOkay. I think, yeah, I think we're okay. Yeah. That's all good. Thank you.\n\nWork at the moment there. Yes. Email. Yes. I've been watching that spot.\n\nSo where we so where on this document are we looking? Because it's quite a lot going on. I'm not sure where. Yep. That's the right one.\n\nTotal. Oh, I see. Yep. Yep. Mhmm.\n\nWhat what was the overall loss of that one? Sorry, Jenna. Just looking at my one. I'm not yeah. It says for the Benelon.\n\nYeah. Oh, no. No. But sorry. Just just the impact of the the Benelon Fund.\n\nMinus six. Yeah. So it's about 9,000 dollars, was it? That was just yeah. Okay.\n\nYeah. Okay. Yeah. Oh, yeah. Okay.\n\nYeah. Yeah. Okay. Cool. Yeah.\n\nLook. I mean, it is what it is. It's, yeah, disappointing, but it, you know, it it's at least, yeah, it's not in negative. And, yeah, we're not retiring anytime soon, so it's not not yeah. Cool.\n\nYeah. Yeah. Cool. Okay. Yeah.\n\nSo yes. I was in the on this on next one here, there's no I see the total portfolio net of fees, cost, and rebates. Does it have a total for the fees and cost and rebates here? Can I see a total there or no? Oh, sure.\n\nOkay. Oh, that's alright. I was just wondering if that was in there, but that's okay. Yeah. That'd be great.\n\nI was just interested in just seeing considering it wasn't a great year how much actually paid in fees in terms of how much we actually got out of it. Mhmm. Okay. Cool. Yep.\n\nCool. Mhmm. No. No. Yes.\n\nIt is. Mhmm. Yes. Mhmm. Yep.\n\nOkay. Mhmm. Yep. Yeah. I'm pretty okay to do that, Nikki.\n\nWhat are you? 100%. Yeah. At the moment. Yeah.\n\nSure. Mhmm. Yeah. Sure. Yep.\n\nYep. No. The next one we have is option to provide tax file number. Oh, then we have the advice, fees, consent after that. Yeah.\n\nYeah. Yep. I've got the next one. Yep. Okay.\n\nNick. Nick. Yeah. Mhmm. I don't see $2.87.\n\nI see for Nick fixed dollar ongoing member fee advice. Is that where I'm looking? I don't see 200 and something anywhere. Yes. Not renewal.\n\nIt says net Netwealth advice fees consent. Percent. I can't see a percent anywhere. I just see you'll pay the following ongoing fees from your account from the 09/01/2026. You'll have a $6 payment amount of $426.28 per month.\n\nOkay. Mhmm. Yep. I see the difference. Yeah.\n\nOkay. Yeah. Yep. Okay. Yeah.\n\nYeah. Yeah. Okay. Yeah. Cool.\n\nThat makes sense. Okay. No. Mhmm. Yes.\n\nNot really, but just just quickly because this has I have been thinking about and discussing with the Australian been a long thing and how it wasn't a great year. Because I totally get there's gonna be ups and downs. And looking at that, you know, the graph that you showed us in the documents here, it does the market obviously do go up and down. We do have to expect a bad year here and there. But it doesn't seem like that loss was an overall market effect.\n\nIt seems like it was a obviously, one Yeah. It's a fund. It was it was just a one fund. And so it's it's obviously it's it's a bit it's a bit disappointing. I'll be and I'm like, whatever.\n\nIt's not personal, but it's just it's disappointing because it it's such you know, we pay we have financial advisers, and we pay fees to ensure we get a good return. So it it has and to be honest, it has made us question, are we in the right fund? Because when we first moved to Netwealth a few years ago, the predictions I I have a document somewhere that was saved, and the prediction for where we would be now, we we haven't met it. We're quite far below where we were projected to be in at this point in time. So, yeah, I'm just kinda wondering how we're performing as compared to the average fund.\n\nAnd I know it was just a bad year, and there's nothing you can do about that now. But Yeah. Mhmm. What I thought it was to do with one of the comp one of the things they held in the fund, one of the main companies they held in the fund was completely devalued or wiped out or something along those lines. You know?\n\nMhmm. Okay. Mhmm. Mhmm. Right.\n\nOkay. Mhmm. Yeah. Yeah. Yes.\n\nMhmm. Yeah. Okay. Mhmm. Yep.\n\nOkay. Yeah. Yep. Yeah. Mhmm.\n\nYeah. Yeah. No. Exactly that. Maybe yeah.\n\nI think I think when we joined NetSoftwell, I probably didn't realize the projections, the adjusted projections. I thought, oh, great. We're gonna have this much money. But yeah. No.\n\nYeah. Yeah. Okay. No reasonable. Fair enough.\n\nMhmm. Yep. Yeah. Mhmm. Okay.\n\nYeah. Okay. Yeah. Yeah. Yep.\n\nNo. That's reasonable. Yeah. Cool. Makes sense.\n\nThank you. Yep. Yep. Yeah. No worries.\n\nThank you. I think that answers everything. I wanted to kinda speak it out. No. That's pretty good.\n\nSo annual's pretty good. I we keep an eye on how the funds got doing online anyway. So kinda have yeah. The annual I think I think the only one I want is it what was the name of is it Shahail? What's his company?\n\nShahil, the mortgage broker. Yeah. Was that through Yeah. I think she has put us in touch with our mortgage broker Shahil once let me check. Probably his contacts will be saved in my phone.\n\nYes. Is he okay? Okay. That doesn't matter. I think I'm pretty sure we got his number from you.\n\nIt's just the mortgage broker that you recommended to us, but I was just saying if you you still if you still recommended him. But but or if we have a What did you want, Nikki? I think we're okay. Yeah. There was it was a minor thing, really, because I think it's you know, we're we're toying with the idea of selling our house, you know Upgrading.\n\nMoving to and, you know, somewhere else. But, yeah, it's not not pressing. It's just if you if you had any sort of affiliation or whatever it may be with a mortgage broker, that's all. Yeah. That's great.\n\nYeah. That'd be great. Yeah. Thanks for yeah. Cool.\n\nThank you. Excellent. W d e cals. Yeah. Yeah.\n\nNo. That's a priority. We need to do it. Wonderful. That's perfect.\n\nThank you so much. Oh, yeah. The intro. Yeah. Yeah.\n\nYeah. Perfect. Yes. Easy. Thank you.\n\nJust to clarify, Jenny, you're gonna send through that correct document, and then we'll sign those and return work. Easy. Oh, excellent. Alright. Thank you for your time.\n\nThanks for your help. Have a good weekend. Thank you. Goodbye. Cheers.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.05034077912569046},{"text":"Lauren speaking.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.04740286245942116},{"text":"Yeah.","start":6.08,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.23210687935352323},{"text":"Well, thank you.","start":6.3199997,"end":6.8799996,"sentiment":"positive","sentiment_score":0.48437023162841797},{"text":"Thank you for calling.","start":6.8799996,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5892431735992432}],"sentiment":"positive","sentiment_score":0.38066697933457116,"num_words":11,"start":0.32,"end":7.9199996},{"sentences":[{"text":"Sorry.","start":7.9199996,"end":8.16,"sentiment":"neutral","sentiment_score":-0.1779501587152481},{"text":"My husband and I were expecting.","start":8.16,"end":9.28,"sentiment":"negative","sentiment_score":-0.3348924020926158},{"text":"I I think he just said he missed your call.","start":9.28,"end":10.8,"sentiment":"neutral","sentiment_score":-0.3226559281349182},{"text":"Sorry.","start":10.8,"end":11.3,"sentiment":"neutral","sentiment_score":-0.17557579278945923},{"text":"Okay.","start":13.679999,"end":14.179999,"sentiment":"neutral","sentiment_score":0.036219414323568344}],"sentiment":"neutral","sentiment_score":-0.29227474900452716,"num_words":19,"start":7.9199996,"end":14.179999},{"sentences":[{"text":"Yep.","start":20.205,"end":20.605,"sentiment":"neutral","sentiment_score":0.04425821825861931},{"text":"Yeah.","start":20.605,"end":20.925,"sentiment":"neutral","sentiment_score":0.10139505565166472},{"text":"Sure.","start":20.925,"end":21.425,"sentiment":"neutral","sentiment_score":0.2190721333026886},{"text":"Yeah.","start":29.65,"end":29.89,"sentiment":"neutral","sentiment_score":0.03791593760251999},{"text":"Lauren Jane Ashton, 03/28/1985, and 12 Healy Court, Matruba.","start":29.89,"end":35.11,"sentiment":"neutral","sentiment_score":0.030956568610337045}],"sentiment":"neutral","sentiment_score":0.05240388171604046,"num_words":13,"start":20.205,"end":35.11},{"sentences":[{"text":"Yes.","start":38.61,"end":39.01,"sentiment":"neutral","sentiment_score":0.07549887895584106},{"text":"Nikki, you available, Nikki?","start":39.01,"end":40.55,"sentiment":"neutral","sentiment_score":0.021946010878309608},{"text":"Yeah.","start":40.61,"end":41.09,"sentiment":"neutral","sentiment_score":0.013294671662151814},{"text":"Yeah.","start":41.09,"end":41.33,"sentiment":"neutral","sentiment_score":0.010125068947672844},{"text":"One second.","start":41.33,"end":41.809998,"sentiment":"neutral","sentiment_score":-0.0025637508369982243}],"sentiment":"neutral","sentiment_score":0.020175017933878634,"num_words":9,"start":38.61,"end":41.809998},{"sentences":[{"text":"Sorry.","start":41.809998,"end":41.89,"sentiment":"neutral","sentiment_score":-0.044706884771585464},{"text":"I think he's just finishing up in in a meeting, Turning his computer off.","start":41.89,"end":46.745,"sentiment":"neutral","sentiment_score":-0.05185478313692978},{"text":"Yeah.","start":47.765,"end":48.265,"sentiment":"neutral","sentiment_score":-0.0012666452676057816},{"text":"One sec.","start":49.365,"end":50.025,"sentiment":"neutral","sentiment_score":-0.0031411335803568363},{"text":"And did you need him to verify himself as well?","start":50.885002,"end":53.225,"sentiment":"neutral","sentiment_score":-0.0028008811175823213}],"sentiment":"neutral","sentiment_score":-0.028793984724740897,"num_words":28,"start":41.809998,"end":53.225},{"sentences":[{"text":"Hi there.","start":56.005,"end":56.565,"sentiment":"neutral","sentiment_score":0.02571275644004345},{"text":"Hey.","start":56.565,"end":56.82,"sentiment":"neutral","sentiment_score":0.02349013462662697},{"text":"Hello?","start":57.22,"end":57.72,"sentiment":"neutral","sentiment_score":0.017418518662452698},{"text":"Yeah.","start":63.86,"end":64.26,"sentiment":"neutral","sentiment_score":0.03347601741552353},{"text":"Sure.","start":64.26,"end":64.58,"sentiment":"neutral","sentiment_score":0.023113712668418884}],"sentiment":"neutral","sentiment_score":0.024820649375518162,"num_words":6,"start":56.005,"end":64.58},{"sentences":[{"text":"Nicholas William Ashton.","start":64.58,"end":66.12,"sentiment":"neutral","sentiment_score":0.02168698360522588},{"text":"07/27/1980.","start":66.18,"end":68.28,"sentiment":"neutral","sentiment_score":0.0184108167886734},{"text":"12 Healy Court, Mantra Bar 4213.","start":68.42,"end":72.435005,"sentiment":"neutral","sentiment_score":0.028236066612104576},{"text":"Yeah.","start":77.535,"end":77.775,"sentiment":"neutral","sentiment_score":0.289115846157074},{"text":"Good.","start":77.775,"end":77.935005,"sentiment":"positive","sentiment_score":0.4023019075393677}],"sentiment":"neutral","sentiment_score":0.07869216008111835,"num_words":12,"start":64.58,"end":77.935005},{"sentences":[{"text":"Thank 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relate.","start":88.020004,"end":88.76,"sentiment":"neutral","sentiment_score":-0.06874562427401543},{"text":"Mhmm.","start":97.075005,"end":97.575005,"sentiment":"neutral","sentiment_score":0.0161152184009552},{"text":"I've I've just started a new job, actually, as in sort of five, six weeks ago.","start":137.285,"end":143.08,"sentiment":"neutral","sentiment_score":-0.002180050010792911},{"text":"Yeah.","start":143.08,"end":143.40001,"sentiment":"neutral","sentiment_score":0.0777861624956131}],"sentiment":"neutral","sentiment_score":0.006215738047930327,"num_words":22,"start":83.535,"end":143.40001},{"sentences":[{"text":"So so super new.","start":143.40001,"end":144.92,"sentiment":"neutral","sentiment_score":0.11884036846458912},{"text":"So, yeah, my similar title, similar 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bonus and and all that stuff.","start":208.885,"end":223.14499,"sentiment":"neutral","sentiment_score":0.06955861023494175},{"text":"Mhmm.","start":234.81999,"end":235.31999,"sentiment":"neutral","sentiment_score":0.015078745782375336}],"sentiment":"neutral","sentiment_score":0.0541576207714512,"num_words":47,"start":195.35,"end":235.31999},{"sentences":[{"text":"Yep.","start":239.27501,"end":239.755,"sentiment":"neutral","sentiment_score":0.04792534559965134},{"text":"Yep.","start":239.755,"end":239.99501,"sentiment":"neutral","sentiment_score":0.06551290303468704},{"text":"That's right.","start":239.99501,"end":240.815,"sentiment":"neutral","sentiment_score":0.13535000011324883},{"text":"Yep.","start":246.07501,"end":246.57501,"sentiment":"neutral","sentiment_score":0.04135625436902046},{"text":"Full 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remortgage, but yeah.","start":322.25497,"end":324.335,"sentiment":"neutral","sentiment_score":-0.08052356261759996},{"text":"Yep.","start":324.335,"end":324.835,"sentiment":"neutral","sentiment_score":-0.008694019168615341},{"text":"No.","start":329.215,"end":329.29498,"sentiment":"neutral","sentiment_score":-0.04154050722718239},{"text":"I think let's include them.","start":329.29498,"end":330.75,"sentiment":"neutral","sentiment_score":-0.03096803165972233},{"text":"Yeah.","start":331.71,"end":332.21,"sentiment":"neutral","sentiment_score":0.1186220645904541}],"sentiment":"neutral","sentiment_score":-0.045665070065297186,"num_words":16,"start":322.25497,"end":332.21},{"sentences":[{"text":"Yeah.","start":334.19,"end":334.51,"sentiment":"neutral","sentiment_score":0.07767805457115173},{"text":"Nothing's nothing's changed significantly so far as our outgoing since we've we've last done this yet.","start":334.51,"end":340.53,"sentiment":"neutral","sentiment_score":-0.10019802395254374},{"text":"We can't do you wanna know how much savings you currently have?","start":347.415,"end":349.915,"sentiment":"neutral","sentiment_score":-0.056964412021140255},{"text":"So, no, there's not intended regular savings.","start":355.255,"end":357.655,"sentiment":"neutral","sentiment_score":-0.10394564058099474},{"text":"We just put in whatever's left.","start":357.655,"end":359.56,"sentiment":"neutral","sentiment_score":-0.05524668035407861}],"sentiment":"neutral","sentiment_score":-0.07781340093130157,"num_words":42,"start":334.19,"end":359.56},{"sentences":[{"text":"So we have about 80 in our savings at the moment, and they'll they'll go up, and then they'll just go down again with school fees and all the rest, up and down, up and down.","start":359.94,"end":367.47998,"sentiment":"neutral","sentiment_score":0.027175827184692025},{"text":"Yeah.","start":368.02,"end":368.25998,"sentiment":"neutral","sentiment_score":0.02038651518523693},{"text":"We've got a few bits for the house and everything else.","start":368.25998,"end":370.09998,"sentiment":"neutral","sentiment_score":0.025469568812034347},{"text":"Yeah.","start":370.09998,"end":370.18,"sentiment":"neutral","sentiment_score":0.03392520546913147},{"text":"We've put down yeah.","start":370.18,"end":371.13998,"sentiment":"neutral","sentiment_score":0.040127601474523544}],"sentiment":"neutral","sentiment_score":0.02779843702139157,"num_words":53,"start":359.94,"end":371.13998},{"sentences":[{"text":"It's yeah.","start":371.13998,"end":372.03998,"sentiment":"neutral","sentiment_score":0.0702868290245533},{"text":"It's close to 1.6.","start":381.86502,"end":383.48502,"sentiment":"neutral","sentiment_score":0.026209667790681124},{"text":"1.6 plus.","start":385.58,"end":386.53998,"sentiment":"neutral","sentiment_score":0.008490374544635415},{"text":"Yep.","start":386.53998,"end":387.03998,"sentiment":"neutral","sentiment_score":0.009596949443221092},{"text":"Let's so I can quickly tell you what the debt is.","start":392.53998,"end":394.62,"sentiment":"neutral","sentiment_score":-0.005405948201025074}],"sentiment":"neutral","sentiment_score":0.01062622987665236,"num_words":20,"start":371.13998,"end":394.62},{"sentences":[{"text":"One second.","start":394.62,"end":395.18,"sentiment":"neutral","sentiment_score":-0.009636930655688047},{"text":"So I'll just log in on the house only on the mortgage.","start":395.18,"end":398.4,"sentiment":"neutral","sentiment_score":0.00951608270406723},{"text":"The mortgage we are owing currently is taking out the savings.","start":399.995,"end":408.475,"sentiment":"neutral","sentiment_score":-0.0033974876965988765},{"text":"If it's with the 80 k set aside and not included in the offset, it's $62.07.","start":408.475,"end":413.055,"sentiment":"neutral","sentiment_score":0.003897571026755031},{"text":"That is the debt's now 80 ish.","start":427.97998,"end":440.775,"sentiment":"neutral","sentiment_score":0.04582449687378747}],"sentiment":"neutral","sentiment_score":0.009180820437904913,"num_words":48,"start":394.62,"end":440.775},{"sentences":[{"text":"Yep.","start":440.775,"end":441.095,"sentiment":"neutral","sentiment_score":0.025836002081632618},{"text":"Thousand?","start":441.095,"end":441.57498,"sentiment":"neutral","sentiment_score":0.014671697281301022},{"text":"Yeah.","start":441.57498,"end":441.895,"sentiment":"neutral","sentiment_score":0.02395646646618843},{"text":"Still the 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whatchamacallit?","start":456.69998,"end":460.85498,"sentiment":"neutral","sentiment_score":-0.18912263876861996}],"sentiment":"neutral","sentiment_score":-0.15880768489221048,"num_words":29,"start":452.13998,"end":460.85498},{"sentences":[{"text":"There's you know, that you have to wait for them to invest, and they hadn't, and I and I resigned.","start":461.235,"end":468.215,"sentiment":"neutral","sentiment_score":-0.16122403368353844},{"text":"So yeah.","start":468.275,"end":468.835,"sentiment":"neutral","sentiment_score":-0.06578051671385765},{"text":"Yeah.","start":468.835,"end":469.335,"sentiment":"neutral","sentiment_score":-0.024578366428613663},{"text":"But nothing nothing really new on the share thing, though.","start":470.35498,"end":480.6,"sentiment":"neutral","sentiment_score":-0.03043221924453974},{"text":"I think yeah.","start":480.6,"end":481.56,"sentiment":"neutral","sentiment_score":-0.010659081240495047}],"sentiment":"neutral","sentiment_score":-0.10324776415816611,"num_words":36,"start":461.235,"end":481.56},{"sentences":[{"text":"Yeah.","start":481.56,"end":481.88,"sentiment":"neutral","sentiment_score":-0.0064318059012293816},{"text":"When when was the last time we did this?","start":481.88,"end":483.82,"sentiment":"neutral","sentiment_score":-0.01140765928559833},{"text":"Your share?","start":483.96002,"end":484.52002,"sentiment":"neutral","sentiment_score":-0.0077699460089206696},{"text":"Yeah.","start":484.52002,"end":484.76,"sentiment":"neutral","sentiment_score":-0.006180683150887489},{"text":"What about your let's say, p 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yeah.","start":506.04,"end":506.36,"sentiment":"neutral","sentiment_score":0.012787428218871355},{"text":"That's no.","start":506.36,"end":508.12,"sentiment":"neutral","sentiment_score":-0.011895185802131891},{"text":"We're still definitely on our to do list, like and I have your con the contact details with you recommended.","start":508.12,"end":512.68,"sentiment":"neutral","sentiment_score":0.12744042426347732}],"sentiment":"neutral","sentiment_score":0.09589810139284684,"num_words":26,"start":492.78497,"end":512.68},{"sentences":[{"text":"But if you could send them over again, that'd be brilliant because we do need to do that.","start":512.68,"end":516.275,"sentiment":"neutral","sentiment_score":0.2337612873978085},{"text":"Yeah.","start":516.335,"end":516.495,"sentiment":"neutral","sentiment_score":0.10008704662322998},{"text":"We've been talking about it.","start":516.495,"end":517.61505,"sentiment":"neutral","sentiment_score":0.07594134658575058},{"text":"We need to do 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everything's changed.","start":566.87,"end":569.955,"sentiment":"neutral","sentiment_score":0.13430058752948587}],"sentiment":"neutral","sentiment_score":0.15537120153506598,"num_words":27,"start":551.85504,"end":569.955},{"sentences":[{"text":"Yes.","start":569.955,"end":570.195,"sentiment":"neutral","sentiment_score":0.15957531332969666},{"text":"We went through it to refinance, and, yeah, we were about to do it.","start":570.195,"end":573.075,"sentiment":"neutral","sentiment_score":0.11614028151546206},{"text":"And then, obviously, with all the changes and yeah.","start":573.075,"end":577.155,"sentiment":"neutral","sentiment_score":0.040819699979490705},{"text":"It's a with CGT and Yeah.","start":577.155,"end":579.875,"sentiment":"neutral","sentiment_score":0.01174084097146988},{"text":"So 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future.","start":639.73,"end":640.61,"sentiment":"neutral","sentiment_score":0.0249526035040617},{"text":"For now, we kinda want the income coming in to handle expenses and all the rest.","start":640.61,"end":644.95,"sentiment":"neutral","sentiment_score":0.034780049696564674},{"text":"I'm so sorry.","start":693.115,"end":693.75,"sentiment":"neutral","sentiment_score":-0.09013935675223668}],"sentiment":"neutral","sentiment_score":0.017164909541606904,"num_words":25,"start":608.34503,"end":693.75},{"sentences":[{"text":"Can you sorry.","start":693.75,"end":694.71,"sentiment":"neutral","sentiment_score":-0.10633142789204915},{"text":"Could you just repeat that again?","start":694.71,"end":696.07,"sentiment":"neutral","sentiment_score":-0.09111330409844716},{"text":"So sorry.","start":696.07,"end":696.55005,"sentiment":"neutral","sentiment_score":-0.08465295284986496},{"text":"I was just just so I understand 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think for the time being, it's 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next one we have is option to provide tax file number.","start":1839.72,"end":1842.86,"sentiment":"neutral","sentiment_score":-0.0955859012901783},{"text":"Oh, then we have the advice, fees, consent after that.","start":1844.68,"end":1848.68,"sentiment":"neutral","sentiment_score":-0.013025543745607137},{"text":"Yeah.","start":1848.68,"end":1848.84,"sentiment":"neutral","sentiment_score":0.0538736954331398}],"sentiment":"neutral","sentiment_score":-0.053715943060815334,"num_words":25,"start":1827.115,"end":1848.84},{"sentences":[{"text":"Yeah.","start":1848.84,"end":1849.0,"sentiment":"neutral","sentiment_score":0.07598865777254105},{"text":"Yep.","start":1849.0,"end":1849.32,"sentiment":"neutral","sentiment_score":0.14321835339069366},{"text":"I've got the next 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month.","start":2014.695,"end":2019.0349,"sentiment":"neutral","sentiment_score":-0.055293092504143715}],"sentiment":"neutral","sentiment_score":-0.05080231451071226,"num_words":39,"start":1983.8,"end":2019.0349},{"sentences":[{"text":"Okay.","start":2027.095,"end":2027.595,"sentiment":"neutral","sentiment_score":-0.037484437227249146},{"text":"Mhmm.","start":2113.53,"end":2114.03,"sentiment":"neutral","sentiment_score":-0.050548650324344635},{"text":"Yep.","start":2124.73,"end":2125.23,"sentiment":"neutral","sentiment_score":-0.0494244210422039},{"text":"I see the 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makes sense.","start":2175.6301,"end":2176.69,"sentiment":"neutral","sentiment_score":0.30521440505981445},{"text":"Okay.","start":2195.905,"end":2195.985,"sentiment":"neutral","sentiment_score":-0.0008826982229948044},{"text":"No.","start":2195.985,"end":2196.485,"sentiment":"neutral","sentiment_score":-0.04514693841338158},{"text":"Mhmm.","start":2205.5,"end":2206.0,"sentiment":"neutral","sentiment_score":-0.04892078787088394},{"text":"Yes.","start":2220.015,"end":2220.515,"sentiment":"neutral","sentiment_score":0.0987267792224884}],"sentiment":"neutral","sentiment_score":0.13134565284209593,"num_words":7,"start":2175.6301,"end":2220.515},{"sentences":[{"text":"Not really, but just just quickly because this has I have been thinking about and discussing with the Australian been a long thing and how it wasn't a great year.","start":2237.96,"end":2245.585,"sentiment":"neutral","sentiment_score":-0.10458814526597658},{"text":"Because I totally get there's gonna be ups and downs.","start":2245.585,"end":2247.765,"sentiment":"neutral","sentiment_score":-0.14680349454283714},{"text":"And looking at that, you know, the graph that you showed us in the documents here, it does the market obviously do go up and down.","start":2247.825,"end":2254.385,"sentiment":"neutral","sentiment_score":-0.15502453652712014},{"text":"We do have to expect a bad year here and there.","start":2254.385,"end":2256.48,"sentiment":"neutral","sentiment_score":-0.24199847199700095},{"text":"But it doesn't seem like that loss was an overall market effect.","start":2256.56,"end":2260.32,"sentiment":"neutral","sentiment_score":-0.31392837688326836}],"sentiment":"neutral","sentiment_score":-0.16927461761437104,"num_words":89,"start":2237.96,"end":2260.32},{"sentences":[{"text":"It seems like it was a obviously, one Yeah.","start":2260.32,"end":2263.6,"sentiment":"neutral","sentiment_score":-0.16146455705165863},{"text":"It's a 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we in the right fund?","start":2283.5151,"end":2287.03,"sentiment":"neutral","sentiment_score":-0.12307300497042506},{"text":"Because when we first moved to Netwealth a few years ago, the predictions I I have a document somewhere that was saved, and the prediction for where we would be now, we we haven't met it.","start":2287.03,"end":2301.6902,"sentiment":"neutral","sentiment_score":-0.23551630394326317},{"text":"We're quite far below where we were projected to be in at this point in time.","start":2303.155,"end":2308.775,"sentiment":"neutral","sentiment_score":-0.2794258464127779},{"text":"So, yeah, I'm just kinda wondering how we're performing as compared to the average fund.","start":2309.395,"end":2315.59,"sentiment":"neutral","sentiment_score":-0.16200988044341405}],"sentiment":"neutral","sentiment_score":-0.15461235566653758,"num_words":117,"start":2273.115,"end":2315.59},{"sentences":[{"text":"And I know it was just a bad year, and there's nothing you can do about that 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reasonable.","start":2962.57,"end":2963.3699,"sentiment":"neutral","sentiment_score":0.07178976945579052},{"text":"Yeah.","start":2963.3699,"end":2963.6099,"sentiment":"neutral","sentiment_score":0.19054700434207916},{"text":"Cool.","start":2963.6099,"end":2964.01,"sentiment":"positive","sentiment_score":0.351733922958374},{"text":"Makes sense.","start":2964.01,"end":2964.57,"sentiment":"neutral","sentiment_score":0.22182200103998184}],"sentiment":"neutral","sentiment_score":0.16731022564428194,"num_words":7,"start":2962.41,"end":2964.57},{"sentences":[{"text":"Thank 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out.","start":2985.475,"end":2987.175,"sentiment":"neutral","sentiment_score":0.1893382327897208},{"text":"No.","start":3003.1199,"end":3003.5999,"sentiment":"neutral","sentiment_score":0.01625136472284794},{"text":"That's pretty good.","start":3003.5999,"end":3004.4648,"sentiment":"neutral","sentiment_score":0.11726068208614986}],"sentiment":"neutral","sentiment_score":0.22056243827359545,"num_words":18,"start":2983.955,"end":3004.4648},{"sentences":[{"text":"So annual's pretty good.","start":3004.4648,"end":3005.505,"sentiment":"neutral","sentiment_score":0.243367251008749},{"text":"I we keep an eye on how the funds got doing online anyway.","start":3005.505,"end":3009.7449,"sentiment":"neutral","sentiment_score":0.0850910756450433},{"text":"So kinda have yeah.","start":3009.7449,"end":3011.185,"sentiment":"neutral","sentiment_score":0.03156007220968604},{"text":"The annual I think I think the only one I want is it what was the name of is it Shahail?","start":3011.185,"end":3015.425,"sentiment":"neutral","sentiment_score":0.026982222284589494},{"text":"What's his company?","start":3015.425,"end":3016.325,"sentiment":"neutral","sentiment_score":0.015498744323849678}],"sentiment":"neutral","sentiment_score":0.06264480393793848,"num_words":45,"start":3004.4648,"end":3016.325},{"sentences":[{"text":"Shahil, the mortgage broker.","start":3016.74,"end":3018.2,"sentiment":"neutral","sentiment_score":0.022546280175447464},{"text":"Yeah.","start":3019.46,"end":3019.86,"sentiment":"neutral","sentiment_score":0.04241863638162613},{"text":"Was that through Yeah.","start":3019.86,"end":3021.06,"sentiment":"neutral","sentiment_score":0.04489192692562938},{"text":"I think she has put us in touch with our mortgage broker Shahil once let me check.","start":3021.06,"end":3027.6199,"sentiment":"neutral","sentiment_score":0.08498070980696117},{"text":"Probably his contacts will be saved in my phone.","start":3027.6199,"end":3029.88,"sentiment":"neutral","sentiment_score":0.09599661164813572}],"sentiment":"neutral","sentiment_score":0.07488037246678557,"num_words":35,"start":3016.74,"end":3029.88},{"sentences":[{"text":"Yes.","start":3034.135,"end":3034.455,"sentiment":"neutral","sentiment_score":0.08580382168292999},{"text":"Is he okay?","start":3034.455,"end":3035.275,"sentiment":"neutral","sentiment_score":0.08256939053535461},{"text":"Okay.","start":3036.135,"end":3036.535,"sentiment":"neutral","sentiment_score":0.03328125923871994},{"text":"That doesn't matter.","start":3036.535,"end":3037.175,"sentiment":"neutral","sentiment_score":-0.03964114064971606},{"text":"I think I'm pretty sure we got his number from you.","start":3037.175,"end":3039.975,"sentiment":"neutral","sentiment_score":0.05673218484629284}],"sentiment":"neutral","sentiment_score":0.04589072967830457,"num_words":19,"start":3034.135,"end":3039.975},{"sentences":[{"text":"It's just the mortgage broker that you recommended to us, but I was just saying if you you still if you still recommended him.","start":3039.975,"end":3045.8699,"sentiment":"neutral","sentiment_score":0.039000553622220956},{"text":"But but or if we have a What did you want, Nikki?","start":3045.8699,"end":3092.555,"sentiment":"neutral","sentiment_score":0.015535898157395422},{"text":"I think we're okay.","start":3092.555,"end":3093.5151,"sentiment":"neutral","sentiment_score":0.16930977255105972},{"text":"Yeah.","start":3093.5151,"end":3093.7551,"sentiment":"neutral","sentiment_score":0.056644707918167114},{"text":"There was it was a minor thing, really, because I think it's you know, we're we're toying with the idea of selling our house, you know Upgrading.","start":3093.7551,"end":3102.64,"sentiment":"neutral","sentiment_score":-0.0505078230743055}],"sentiment":"neutral","sentiment_score":0.0072443623520324334,"num_words":68,"start":3039.975,"end":3102.64},{"sentences":[{"text":"Moving to and, you know, somewhere 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cals.","start":3151.685,"end":3152.485,"sentiment":"neutral","sentiment_score":0.07679955661296844},{"text":"Yeah.","start":3152.485,"end":3152.885,"sentiment":"neutral","sentiment_score":0.05214129015803337},{"text":"Yeah.","start":3152.885,"end":3153.205,"sentiment":"neutral","sentiment_score":0.023676343262195587}],"sentiment":"neutral","sentiment_score":0.17300991755392817,"num_words":9,"start":3134.3198,"end":3153.205},{"sentences":[{"text":"No.","start":3153.205,"end":3153.2852,"sentiment":"neutral","sentiment_score":-0.07640837132930756},{"text":"That's a priority.","start":3153.2852,"end":3154.0051,"sentiment":"neutral","sentiment_score":-0.06452661504348119},{"text":"We need to do it.","start":3154.0051,"end":3154.985,"sentiment":"neutral","sentiment_score":0.030094435811042784},{"text":"Wonderful.","start":3168.5798,"end":3169.0798,"sentiment":"positive","sentiment_score":0.7935235500335693},{"text":"That's perfect.","start":3169.14,"end":3169.7,"sentiment":"positive","sentiment_score":0.8222855627536774}],"sentiment":"neutral","sentiment_score":0.19321488651136556,"num_words":12,"start":3153.205,"end":3169.7},{"sentences":[{"text":"Thank you so much.","start":3169.7,"end":3170.505,"sentiment":"positive","sentiment_score":0.7826804965734482},{"text":"Oh, yeah.","start":3172.9048,"end":3173.2249,"sentiment":"neutral","sentiment_score":0.04098978452384472},{"text":"The intro.","start":3173.2249,"end":3173.625,"sentiment":"neutral","sentiment_score":0.03675304353237152},{"text":"Yeah.","start":3173.625,"end":3173.785,"sentiment":"neutral","sentiment_score":0.07149392366409302},{"text":"Yeah.","start":3173.785,"end":3173.865,"sentiment":"neutral","sentiment_score":0.08353687822818756}],"sentiment":"positive","sentiment_score":0.34412384442985056,"num_words":10,"start":3169.7,"end":3173.865},{"sentences":[{"text":"Yeah.","start":3173.865,"end":3174.105,"sentiment":"neutral","sentiment_score":0.13419750332832336},{"text":"Perfect.","start":3174.105,"end":3174.505,"sentiment":"positive","sentiment_score":0.44334420561790466},{"text":"Yes.","start":3174.505,"end":3175.005,"sentiment":"neutral","sentiment_score":0.20912721753120425},{"text":"Easy.","start":3182.025,"end":3182.525,"sentiment":"positive","sentiment_score":0.3655053973197937},{"text":"Thank you.","start":3182.585,"end":3182.9849,"sentiment":"positive","sentiment_score":0.5279689133167267}],"sentiment":"positive","sentiment_score":0.36801869173844654,"num_words":6,"start":3173.865,"end":3182.9849},{"sentences":[{"text":"Just to clarify, Jenny, you're gonna send through that correct document, and then we'll sign those and return work.","start":3182.9849,"end":3189.6301,"sentiment":"neutral","sentiment_score":0.10586252906604816},{"text":"Easy.","start":3190.9702,"end":3191.4702,"sentiment":"neutral","sentiment_score":0.09893938899040222},{"text":"Oh, excellent.","start":3193.4502,"end":3194.75,"sentiment":"positive","sentiment_score":0.5718415379524231},{"text":"Alright.","start":3195.61,"end":3196.01,"sentiment":"neutral","sentiment_score":0.3310419023036957},{"text":"Thank you for your time.","start":3196.01,"end":3197.2102,"sentiment":"positive","sentiment_score":0.6884198784828186}],"sentiment":"neutral","sentiment_score":0.2509697075667126,"num_words":28,"start":3182.9849,"end":3197.2102},{"sentences":[{"text":"Thanks for your help.","start":3197.2102,"end":3198.189,"sentiment":"positive","sentiment_score":0.7038617134094238},{"text":"Have a good weekend.","start":3198.269,"end":3199.809,"sentiment":"positive","sentiment_score":0.5298207551240921},{"text":"Thank you.","start":3200.109,"end":3200.749,"sentiment":"positive","sentiment_score":0.4880964756011963},{"text":"Goodbye.","start":3200.749,"end":3201.249,"sentiment":"neutral","sentiment_score":0.2815251648426056},{"text":"Cheers.","start":3201.309,"end":3201.809,"sentiment":"positive","sentiment_score":0.4406476616859436}],"sentiment":"positive","sentiment_score":0.5527579709887505,"num_words":12,"start":3197.2102,"end":3201.809}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Lauren speaking.\n\nChannel 0: Hi, Lauren. It's Jenna here phoning from Oakview Financial. How are you?\n\nChannel 1: Yeah. Well, thank you. Thank you for calling. Sorry. My husband and I were expecting.\n\nI I think he just said he missed your call. Sorry.\n\nChannel 0: Yeah. He did. That's alright.\n\nChannel 1: Okay.\n\nChannel 0: Just just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. Yeah. Sure.\n\nChannel 0: Beautiful. And, Lauren, I just need to ID you. Can you please confirm your full name, date of birth, and\n\nChannel 1: Yeah. Lauren Jane Ashton, 03/28/1985, and 12 Healy Court, Matruba.\n\nChannel 0: address? Fantastic. And is Nick with you\n\nChannel 1: Yes.\n\nChannel 0: at the moment?\n\nChannel 1: Nikki, you available, Nikki? Yeah. Yeah. One second. Sorry.\n\nI think he's just finishing up in in a meeting,\n\nChannel 0: Absolutely\n\nChannel 1: Turning his computer\n\nChannel 0: fine.\n\nChannel 1: off. Yeah.\n\nChannel 0: Absolutely\n\nChannel 1: One sec.\n\nChannel 0: fine.\n\nChannel 1: And did you need him to verify himself as well?\n\nChannel 0: I do. Yes.\n\nChannel 1: Hi there. Hey. Hello?\n\nChannel 0: Hello. Hi. Nick, just need you to confirm your full name, date of birth, and address, please.\n\nChannel 1: Yeah. Sure. Nicholas William Ashton. 07/27/1980. 12 Healy Court, Mantra Bar 4213.\n\nChannel 0: Wonderful. Thank you both so much for doing that. How's your day been so far?\n\nChannel 1: Yeah. Good. Thank you. Yeah. Good.\n\nChannel 0: Yeah.\n\nChannel 1: Friday. Just, yeah, finishing up work and then kids all weekend. So yeah.\n\nChannel 0: Yep. Yep. I I can I can\n\nChannel 1: Can't relate.\n\nChannel 0: relate? So what we're going to do this morning, if that's, like oh, this afternoon,\n\nChannel 1: Mhmm.\n\nChannel 0: Nelly now, is just run through your review. We have sorry. I just lost my train of thought. I just what I would like to do, first of all, is run through your personal and financial information that we have on file just to make sure it's up to date and current. The majority of it would be it's more so just the employment income and assets and data assets and liability details that I'd like to run through.\n\nNick, first of all, I have you down over direct as a director of strategic partners. Is that still correct?\n\nChannel 1: I've I've just started a new job, actually,\n\nChannel 0: Yes?\n\nChannel 1: as in sort of five, six weeks ago. Yeah. So so super new. So, yeah, my similar title, similar thing. Yeah.\n\nMy salary's changed a bit. So yeah. We we can update it, but if you if you need.\n\nChannel 0: Yes, please. So it's the same title?\n\nChannel 1: What's\n\nChannel 0: Okay.\n\nChannel 1: my title? Global. Yeah. Just just put partner director. It's fine.\n\nPartner director.\n\nChannel 0: Okay. And who is your new employer?\n\nChannel 1: HumanForce, so just h u m a n f o r c e.\n\nChannel 0: Beautiful. Thank you. And you're employed full time?\n\nChannel 1: Yes.\n\nChannel 0: How many hours per week?\n\nChannel 1: Well, I think the, you know, like, the standard, whatever that is\n\nChannel 0: Yep.\n\nChannel 1: Forty. By contract 40 or something. I mean, put on there.\n\nChannel 0: Yeah. Okay. Beautiful. Fantastic. And your you said your income's changed a bit.\n\nChannel 1: Yeah.\n\nChannel 0: What is that now?\n\nChannel 1: Well, I have a basic salary of $2.20 and\n\nChannel 0: Yep.\n\nChannel 1: then soup super on top of that, and I have a an OTE as well of $3.67 for that CR\n\nChannel 0: Yep.\n\nChannel 1: bonus and and all that stuff.\n\nChannel 0: Okay. Beautiful. And we have I'll jump back to that in a second, Lauren. I'll just run over yours first.\n\nChannel 1: Mhmm.\n\nChannel 0: We have you down as a sales rep for medical devices and sales.\n\nChannel 1: Yep. Yep. That's right.\n\nChannel 0: Fantastic. And your employer is AMBU?\n\nChannel 1: Yep.\n\nChannel 0: Full time still.\n\nChannel 1: Full time.\n\nChannel 0: Yep. And standard hours.\n\nChannel 1: Yes. Standard hours.\n\nChannel 0: Yeah. How many years have you been with them for?\n\nChannel 1: Six in six years in January.\n\nChannel 0: Beautiful. And your income, we have at a 118,000 with a potential bonus of 20 to 25% on top of that.\n\nChannel 1: Yeah. It's now it's I mean, it's not much increase, but it's now a one two one or close to one two two.\n\nChannel 0: Yep.\n\nChannel 1: And, you're saying 25% of on target earnings, but with, ramping as well. So this year, it'll be a good one.\n\nChannel 0: Okay. Beautiful. We have both the household expenditure of $3,500 a week. Would that still be correct?\n\nChannel 1: I don't think anything's changed. Just because I'm Yeah. The school fees and everything else, I don't think it's changed significantly.\n\nChannel 0: Okay. And does that include mortgage or\n\nChannel 1: No.\n\nChannel 0: no?\n\nChannel 1: No, actually. No. I think Yeah. Probably\n\nChannel 0: Nope.\n\nChannel 1: we're cut. Yeah. Mortgage payments to the same and Yep. And touch less on there. I don't know.\n\nYeah. They are less because we're remortgage, but yeah. Yep.\n\nChannel 0: So the mortgage repayments are in dish addition to the three and a half.\n\nChannel 1: No. I think let's include them.\n\nChannel 0: Includes it? Oh,\n\nChannel 1: Yeah.\n\nChannel 0: beautiful. Alright.\n\nChannel 1: Yeah. Nothing's nothing's changed significantly so far as our outgoing since we've we've last done this yet.\n\nChannel 0: Okay. And what about savings? Are you are you\n\nChannel 1: We can't do you wanna know how much savings you currently have?\n\nChannel 0: yes. And if you're doing any regular savings per week.\n\nChannel 1: So, no, there's not intended regular savings. We just put in whatever's left. So\n\nChannel 0: Yep.\n\nChannel 1: we have about 80 in our savings at the moment, and they'll they'll go up, and then they'll just go down again with school\n\nChannel 0: Yep.\n\nChannel 1: fees and all the rest, up and down, up\n\nChannel 0: Okay.\n\nChannel 1: and down. Yeah. We've got a few bits\n\nChannel 0: Okay.\n\nChannel 1: for the house and everything else. Yeah. We've put down yeah. It's yeah.\n\nChannel 0: Beautiful. Fantastic. And assets wise, we have your house valued at about 1.5. Would that be correct?\n\nChannel 1: It's close to 1.6.\n\nChannel 0: Yep. Okay.\n\nChannel 1: 1.6\n\nChannel 0: And\n\nChannel 1: plus. Yep.\n\nChannel 0: a debt of $5.17?\n\nChannel 1: Let's so I can quickly tell you what the debt is. One second. So I'll just log\n\nChannel 0: Okay.\n\nChannel 1: in on the house only on the mortgage.\n\nChannel 0: Yeah.\n\nChannel 1: The mortgage we are owing currently is taking out the savings. If it's with the 80 k set aside and not included in the offset, it's $62.07.\n\nChannel 0: Mhmm. $62.07. Alright. Beautiful. And we have two cars valued at $1.50 with a debt of 100.\n\nIs that still right?\n\nChannel 1: That is the debt's now 80\n\nChannel 0: Eighty. Beautiful. And we have some guitars noted as $10,000.\n\nChannel 1: ish. Yep. Thousand? Yeah. Still the case.\n\nChannel 0: Yep. And shares Nick, you had some work shares. Given your employment's changed, has that changed?\n\nChannel 1: Yeah. No. Not really. I I think I cashed out a bit before I had left. And, yeah, I just yeah.\n\nI couldn't cash them all out because they're whatchamacallit? There's you know, that you have to wait for them to invest, and they hadn't, and I and I resigned. So yeah. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: But\n\nChannel 0: Alright.\n\nChannel 1: nothing nothing really new on the\n\nChannel 0: So you've so we had them valued at 30,000. Would they still be valued at that?\n\nChannel 1: share thing, though. I think yeah. Yeah. When when was the last time we did this? Your share?\n\nYeah. What about your let's say, p shares? Yeah. Yeah. So if you cashed them out, you won't have any you won't have any left.\n\nNo. They're gone. If you cashed them out, you cashed them out. Otherwise, they're gone. No.\n\nNo. They're gone. Yeah. Yeah.\n\nChannel 0: Yep. Okay. Beautiful. Fantastic. And just we also have with your estate planning that you don't have wills and powers of attorney.\n\nIt was on your to do list. Have\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: yeah.\n\nChannel 0: managed\n\nChannel 1: That's\n\nChannel 0: to get around to\n\nChannel 1: no.\n\nChannel 0: that?\n\nChannel 1: We're still definitely on our to do list, like and I have your con the contact details with you recommended. But if you could send them over again, that'd be brilliant because we do need\n\nChannel 0: I\n\nChannel 1: to do\n\nChannel 0: can do\n\nChannel 1: that.\n\nChannel 0: that.\n\nChannel 1: Yeah. We've\n\nChannel 0: I\n\nChannel 1: been\n\nChannel 0: can\n\nChannel 1: talking\n\nChannel 0: definitely.\n\nChannel 1: about it. We need to do it. Thank you. We just can't find anyone that wants to take our children in the event that we have to move back here. That's not true.\n\nBut I guess.\n\nChannel 0: Alright. Beautiful. So with your goals and objectives, I believe they're very similar. I'm just gonna bring up both just to run through them at the same time to try and respect your time. But your one of your main focuses was to pay down the mortgage as much as possible.\n\nIs that\n\nChannel 1: Mhmm.\n\nChannel 0: still\n\nChannel 1: Yep.\n\nChannel 0: correct?\n\nChannel 1: Correct.\n\nChannel 0: Continue to do yearly overseas trips with your family.\n\nChannel 1: Definitely. Yep.\n\nChannel 0: Yeah. You may look at buying an investment property down the track.\n\nChannel 1: We almost did and pulled the plug at the last minute this year. So, definitely, we changed our mind on that after everything's changed. Yes. We went through it to refinance, and, yeah, we were about to do it. And then, obviously, with all the changes and yeah.\n\nChannel 0: Yes.\n\nChannel 1: It's a with CGT and Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: no. Negative gearing and so on. Yeah. We just parked it. So\n\nChannel 0: Alright.\n\nChannel 1: we had the\n\nChannel 0: Perfect.\n\nChannel 1: voltage of And I don't I don't think we even wanna do in the future now. It feels like too. At the moment. Yeah. Yeah.\n\nChannel 0: Alright. Brilliant. And we had also looking at some salary sacrificing when you have a bit more disposable cash. Looking\n\nChannel 1: Yeah.\n\nChannel 0: at your income, Nick, I don't think that's gonna be actually beneficial for you from a tax perspective, to be honest with you.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: I can run some figures anyway just because I think you'd be nearly close to exceeding the concessional cap anyway, but I'll still\n\nChannel 1: Okay.\n\nChannel 0: look into it if you would like me to. But, Lauren, if you're comfortable if you're still wanting to do that, your income is you would have some move move movement in your cap to be able to do that if you wanted to.\n\nChannel 1: Maybe in the future. For now, we kinda want the income coming in to handle expenses and all the rest.\n\nChannel 0: Yep. I totally understand that. Okay. Beautiful. Previously, we well, at the moment, we have you both invested as high growth investors.\n\nBasically, what that means is that in your portfolio, you would have typically a 90% allocation to growth assets and a 10% allocation to defensive assets. And I can run through what those are in a a little bit more detail shortly. But what you could expect to return in a high growth portfolio is between eight to 10% with that's gross of fees and with every one in five years potentially being a negative return.\n\nChannel 1: I'm so\n\nChannel 0: The\n\nChannel 1: sorry.\n\nChannel 0: variation\n\nChannel 1: Can you sorry. Could you just repeat that again? So sorry. I was just\n\nChannel 0: yep.\n\nChannel 1: just so\n\nChannel 0: No.\n\nChannel 1: I understand\n\nChannel 0: You're absolutely\n\nChannel 1: that.\n\nChannel 0: you're absolutely fine. What I might do is actually explain it when we go through the review pack\n\nChannel 1: Okay.\n\nChannel 0: because it's easier when it's easier for me to explain when there's a\n\nChannel 1: Mhmm. Yeah. Okay.\n\nChannel 0: visual. Do you both have access to or does one of you have access to your emails at the moment?\n\nChannel 1: Yeah. I'm sitting in front of my computer. Yeah.\n\nChannel 0: Beautiful. So what I'm gonna do is I'm hitting send on an email at the moment. It's gonna come through as Odoo sign. Now that's for me. It is your review pack,\n\nChannel 1: Mhmm.\n\nChannel 0: and you\n\nChannel 1: Yeah.\n\nChannel 0: don't have to sign anything at at the moment. It's if you just hit sign, it will open up a very some some documents that we're gonna run through, and I can run through that risk profile conversation, in a with a little bit more detail and explanation.\n\nChannel 1: Yep. Cool. It's open in front of us.\n\nChannel 0: Beautiful. So I am absolutely hoping they're in the right order. So the first document, is this a summary of your insurance and supers for Nick or yourself, Lauren?\n\nChannel 1: Yeah. We can see. It's the we can see. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Okay. So, Nick, you we have your with Netwealth. The balance is 314,312. We have your life and insurance with Cal as well as your income protection.\n\nYour life and TPD is 2.1 approximately. So in the event of death or total of permanent disablement, that's what will be paid out. And your\n\nChannel 1: Yep.\n\nChannel 0: income protection covers you for $11,713 per month.\n\nChannel 1: Mhmm.\n\nChannel 0: In income protection's capped at 70% of your income.\n\nChannel 1: Yeah.\n\nChannel 0: So based\n\nChannel 1: Okay.\n\nChannel 0: on, yeah, so based on the that sum insured, would that continue to meet your monthly or as close as\n\nChannel 1: Yeah.\n\nChannel 0: possible? Because it's never\n\nChannel 1: I\n\nChannel 0: gonna fully.\n\nChannel 1: I mean, that's yeah. That's sorta I think my pay code now is yeah. With my basic salary is that so I think, yeah, that's that's fine. Yeah. I mean, I I don't think it needs to be any we don't need to make any changes there, do we not?\n\nI don't think so. It's up to I mean,\n\nChannel 0: No.\n\nChannel 1: I thought I wasn't sure if because his salary has increased significantly if anything needs to be changed on any of their life, TPD, or income protection. But we'll take a look. I think I've gotta work out if they're gonna pay me my bonus. Yeah. They're working me pretty hard, so I hope so.\n\nBut, yeah, I mean, you know, that's that's obviously the the the the major difference, right, with the the OT and everything.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: So\n\nChannel 1: it's just very\n\nChannel 0: with\n\nChannel 1: early.\n\nChannel 0: the income protection, they usually look at your base income\n\nChannel 1: Eight.\n\nChannel 0: for being two\n\nChannel 1: Yeah.\n\nChannel 0: 20.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: So your sum insured is 11,713. Based on 02/20, you could increase it to 12,833 being the 70%. But in saying that, there are sometimes some special considerations that insurance companies will look at based on using a certain amount of your bonus.\n\nChannel 1: Yeah.\n\nChannel 0: But we would need to wait till you're in a position to show that either through\n\nChannel 1: Yeah.\n\nChannel 0: a payslip or a tax return\n\nChannel 1: Yes. I think\n\nChannel 0: before\n\nChannel 1: for the\n\nChannel 0: we\n\nChannel 1: time being, it's fine. Yeah.\n\nChannel 0: Yep. Okay. So the life and TPD, basically, what you'd want that to cover is repayment of debt, funds for Lauren and the kids to you know, it might be for education purposes. It\n\nChannel 1: Yeah.\n\nChannel 0: might be for Lauren to take a little bit of time off work or return to work on a part time basis. Just give that flexibility in the event that that happens.\n\nChannel 1: Mhmm. Go.\n\nChannel 0: So if there's any changes if you think that needs any changes, that is typically what we look at when we look at the recommended sums insured.\n\nChannel 1: K.\n\nChannel 0: The next document is for yourself, Lauren. You're with Netwealth also. Your balance is sitting at about $220,807, and your insurance is with Nios. And your life and TPD, some insured is less than next sitting at about\n\nChannel 1: Mhmm.\n\nChannel 0: 1,500,000.\n\nChannel 1: Mhmm.\n\nChannel 0: And, yeah, again, designed to repay debt, allow some funds for Nick. And I'm based on some of the other previous advice documents I was able to have a look at, Yours your sum insured is a little bit less based on the fact that Nick would likely return to work that needs some sort of assistance with childcare and those types of things.\n\nChannel 1: Sure.\n\nChannel 0: Yeah. Do you suppose think that that's current, or would you like to look at\n\nChannel 1: Yeah.\n\nChannel 0: reviewing that?\n\nChannel 1: That's re no. That's reasonable.\n\nChannel 0: Yep. And for you, Lauren, we've got your income protection sum insured at 7,121 per month.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's it.\n\nChannel 1: Oh, you did? Sorry. One second.\n\nChannel 0: Pretty no. You're absolutely\n\nChannel 1: Yes.\n\nChannel 0: fine.\n\nChannel 1: Yeah.\n\nChannel 0: You're\n\nChannel 1: Yeah.\n\nChannel 0: pretty\n\nChannel 1: Sorry.\n\nChannel 0: much\n\nChannel 1: I thought I lost you.\n\nChannel 0: no. You're fine. Your income protection sub insured sitting perfectly based on your income,\n\nChannel 1: Mhmm.\n\nChannel 0: so we wouldn't be able to get any more for you. But, yeah, that's sitting perfect. The only thing missing, I'm not sure if it's I'm sure it would have been explained to you before, is trauma insurance. Do you both recall what that is?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: What\n\nChannel 0: Okay.\n\nChannel 1: was that for? For my insurance.\n\nChannel 0: Very brief overview. It is a lump sum benefit that's paid if you're diagnosed with a specific insurable illness, and they range from cancers, heart attack, stroke, neurological diseases.\n\nChannel 1: Okay.\n\nChannel 0: And the funds are tax free, and they're paid out of your personal cash flow, though. They're unable to be paid through super. And the it's kind of a stopgap between the income protection and the PPD depending on the event that you're diagnosed with. So\n\nChannel 1: So\n\nChannel 0: it's just designed to provide some financial stability during a period of uncertainty. You don't have it. I just need to make you aware of it and see whether it's something that you do wanna look at.\n\nChannel 1: Oh, we don't have it. We don't\n\nChannel 0: You\n\nChannel 1: have\n\nChannel 0: don't\n\nChannel 1: trauma.\n\nChannel 0: have trauma insurance. No.\n\nChannel 1: Okay. No worries. That's fine. We'll I will have a chat, and we'll look into it.\n\nChannel 0: Okay.\n\nChannel 1: Do you want it?\n\nChannel 0: I can send\n\nChannel 1: Okay. I think, yeah, I think we're okay. Yeah. That's all\n\nChannel 0: yep.\n\nChannel 1: good. Thank you. Work at the\n\nChannel 0: Okay.\n\nChannel 1: moment there.\n\nChannel 0: Beautiful. The next document is your performance report. So the first one is for should be for Nick. You will recall probably earlier this year that you received an advice document to remove you out of the Bennelong Australian Equities\n\nChannel 1: Yes.\n\nChannel 0: Fund\n\nChannel 1: Email.\n\nChannel 0: due to underperformance.\n\nChannel 1: Yes. I've been watching that spot.\n\nChannel 0: Yep. Yep. It's gone and been replaced, and it you can see your portfolio is starting to recover. So nettle fees, Nick, yours is bouncing back to 5.38%. So\n\nChannel 1: So where we so where on this document are we looking? Because it's quite a lot going on. I'm not sure\n\nChannel 0: we\n\nChannel 1: where.\n\nChannel 0: are does it say asset performance detail at the top?\n\nChannel 1: Yep. That's the right one.\n\nChannel 0: Yep.\n\nChannel 1: Total.\n\nChannel 0: Bottom, yep, bottom right hand corner, total portfolio net of fees and costs,\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: I see.\n\nChannel 0: return\n\nChannel 1: Yep.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: 5.38. So in a high growth portfolio, what we would typically see is an expected annual return of between eight to 10%, but that's grosser fees, not net.\n\nChannel 1: Mhmm.\n\nChannel 0: So given that we had been along in the portfolio within the past twelve months and its performance was below par, it's not a bad return. It's not where we would typically like to see it, but it's not a negative return at least. But the twelve months coming, we would expect to see, you know, even with volatility,\n\nChannel 1: What\n\nChannel 0: a\n\nChannel 1: what\n\nChannel 0: little\n\nChannel 1: was\n\nChannel 0: bit\n\nChannel 1: the\n\nChannel 0: of a higher\n\nChannel 1: overall loss of that one? Sorry, Jenna. Just looking at my one. I'm not\n\nChannel 0: the twelve months,\n\nChannel 1: yeah.\n\nChannel 0: there\n\nChannel 1: It says\n\nChannel 0: was\n\nChannel 1: for\n\nChannel 0: no\n\nChannel 1: the Benelon.\n\nChannel 0: loss.\n\nChannel 1: Yeah.\n\nChannel 0: Oh,\n\nChannel 1: Oh,\n\nChannel 0: for\n\nChannel 1: no.\n\nChannel 0: Benelon?\n\nChannel 1: No. But sorry. Just just the impact of the the Benelon\n\nChannel 0: Yep. So if you look in that return column, the the left\n\nChannel 1: Fund.\n\nChannel 0: hand far\n\nChannel 1: Minus\n\nChannel 0: left hand\n\nChannel 1: six. Yeah.\n\nChannel 0: in\n\nChannel 1: So it's about\n\nChannel 0: yep.\n\nChannel 1: 9,000\n\nChannel 0: Yep.\n\nChannel 1: dollars, was it? That was just\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: That was lost in\n\nChannel 1: Yeah.\n\nChannel 0: growth from that port from that\n\nChannel 1: Okay.\n\nChannel 0: fund. Yeah. But you can see also that the beta Australian shares has picked that up to\n\nChannel 1: Yeah.\n\nChannel 0: offset it\n\nChannel 1: Oh,\n\nChannel 0: over\n\nChannel 1: yeah.\n\nChannel 0: the long term. And we've also had some movement in the gold the gold asset held above. So gold\n\nChannel 1: Okay.\n\nChannel 0: will react depending on different in different factors and environments that are occurring globally. It's one of those ones that doesn't sit stagnant, and it's not very consistent. It will have a lot of movement up and down.\n\nChannel 1: Yeah.\n\nChannel 0: So that's something that we do see in there as a great a great asset to hold, but, yeah, you will see volatility with\n\nChannel 1: Yeah. Okay. Cool.\n\nChannel 0: it. The\n\nChannel 1: Yeah.\n\nChannel 0: rest\n\nChannel 1: Look.\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: mean, it is what it is.\n\nChannel 0: Yep.\n\nChannel 1: It's, yeah, disappointing, but it, you know, it it's\n\nChannel 0: Yeah.\n\nChannel 1: at least, yeah, it's not in negative. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, we're not retiring\n\nChannel 0: Yeah.\n\nChannel 1: anytime soon, so it's not not\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: No. And when I go through the risk profile with you in a moment, I think I'll better be able to frame it a little bit better for you. But\n\nChannel 1: Cool.\n\nChannel 0: the rest of your portfolio also, we're pretty happy with. You've got your global security exposure, which has performed very well in the last twelve months due to lots of different reasons in the cybersecurity space.\n\nChannel 1: Yeah.\n\nChannel 0: But you've also got exposure to different economies across your portfolio as well, which provides you with that not just US market exposure, but you've got some Europe, some Japan exposure, which gives you diversification across your global economies,\n\nChannel 1: Yeah. Cool.\n\nChannel 0: which will\n\nChannel 1: Okay.\n\nChannel 0: all act differently. Lauren, yours is the next one. So\n\nChannel 1: Yeah.\n\nChannel 0: yours\n\nChannel 1: So\n\nChannel 0: is\n\nChannel 1: yes. I was in the on this on next one here, there's no I see the total portfolio net of fees, cost, and rebates. Does it have a total for the fees and cost and rebates here? Can I see a total there or\n\nChannel 0: sorry?\n\nChannel 1: no?\n\nChannel 0: Hang on. Give me one second. I can definitely get you a fee report. That's easy. This is just a performance report, but\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: sure.\n\nChannel 0: can give\n\nChannel 1: Okay.\n\nChannel 0: you a fee report.\n\nChannel 1: Oh, that's\n\nChannel 0: That's\n\nChannel 1: alright. I was just wondering if that\n\nChannel 0: very\n\nChannel 1: was in there, but that's okay.\n\nChannel 0: no. I can absolutely generate it. That's absolutely fine if you like me to, and I can send that through post\n\nChannel 1: Yeah. That'd be great. I was just interested in just seeing considering it wasn't a great year how much actually paid\n\nChannel 0: the\n\nChannel 1: in fees in terms of how much we\n\nChannel 0: meeting.\n\nChannel 1: actually\n\nChannel 0: Yep. Yep.\n\nChannel 1: got out of\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Yeah. So your fees will be broken down in a couple of different ones. You've got your platform well, your Netwealth admin fees, which is the platform. You'll have your underlying investment fees. So they're the fit they're the investment fees that the managers charge for each of those investment funds that you hold or investment allocations that you hold in there, and then there'll be our advice fee.\n\nAllocations that you hold in there, and then there'll be our advice fee.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: there's\n\nChannel 1: Yep.\n\nChannel 0: three different tiers. So I'll get that generated for you as well.\n\nChannel 1: Cool.\n\nChannel 0: Lauren, yours is the next portfolio performance. So, overall, yours did 5.5. So portfolio performance. So overall, yours did 5.27%. Exact same explanation as Nick's.\n\nYour portfolios\n\nChannel 1: Mhmm.\n\nChannel 0: are mirrors of each other. They're the same because of your risk profile. And, yeah, we will continue to keep an eye on it. At this point in time, we're not looking at any red flags to look at replacing like we did previously with. We're quite happy with the performance of the fund and the allocation to it to the different sectors.\n\nChannel 1: No.\n\nChannel 0: Do you guys have any questions about your portfolio? No? Okay. The next document is the Vanguard index chart. Is that what you're seeing?\n\nChannel 1: No. Yes. It is.\n\nChannel 0: Okay. So this is where I can explain a little bit better the the risk profile and how funds are invested.\n\nChannel 1: Mhmm.\n\nChannel 0: So being a visual tool, it's easier to explain. So in a high growth portfolio, you will have 90% typically of your funds allocated to growth assets with 10% to your defensive assets. Now looking at that chart, you'll see on the left hand sorry. Far right hand side, there's a column of US shares, Australian shares, international, and property. They're your growth assets.\n\nSo in a high growth portfolio, typically, you've got about 90% of your funds allocated to those three so those four sectors, and you'll see how they react over time, the market.\n\nChannel 1: Yes.\n\nChannel 0: So a lot of the significant events, you can attribute to global events, let's call it. So if you look along the top there, you'll see in the black riding different types of significant global events. So you've got the GFC there from o seven till about late o eight\n\nChannel 1: Mhmm.\n\nChannel 0: and how the market was impacted through that period of time. You've got COVID nineteen and how the market was impacted. And this shows you over a thirty year period how the market reacts and the volatility you can expect to experience in those types of assets. The 10% of your portfolio is invested in the bottom two. It says Australian bonds, but it's Australian and international bonds and cash.\n\nAnd that's your defensive part of the portfolio. So there's not a lot of growth in those assets. They're more income producing and designed to decrease the risk to a certain degree within your portfolio just to try and balance it out as much as possible.\n\nChannel 1: Yep.\n\nChannel 0: With a high growth portfolio, we expect growth and expected return of about eight to 10% per annum. So what your current portfolio in the last twelve months definitely fell shy of that, not by much because that's gross is inclusive of these. It didn't fall shy by too much, but it did fall shy. But what we expect in the high growth profile is that at least one in every five years, statistically speaking, you'd expect to see a negative return.\n\nChannel 1: Okay.\n\nChannel 0: So that's kind of like your comfort with that. The other thing is is because we're talking about your investment for your superannuation funds, there's a preservation age, and that's 60 for both of you. So, Nick, you've got about fourteen years to preservation age, and, Lauren,\n\nChannel 1: Mhmm.\n\nChannel 0: you've\n\nChannel 1: Yep.\n\nChannel 0: got about nineteen years.\n\nChannel 1: Yeah.\n\nChannel 0: So in a high growth risk profile, the minimum time frame to be invested in this type of structure is eight years. That allows you to with withstand that's designed on statistics to allow you to withstand those market fluctuations and volatility. So given your sleep at night test for you guys as to whether you wanna remain as a high growth investor at this point in time.\n\nChannel 1: I'm pretty okay to do that, Nikki. What are you? 100%. Yeah. At the moment.\n\nChannel 0: Yep. Yeah. As we approach retirement and we will look at potentially reducing assets to grow you know, with the five year age gap between the two of you, it might be that, Nick, at a certain point, we reduced your allocation to growth assets and keep Lauren's as is depending on what the circumstances are at the time. So there's lots of different strategies that we would look at as retirement gets closer. But given that you guys are still a fair amount of time out, I wouldn't recommend reducing unless you weren't comfortable with it.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Okay. The next couple of documents are just the certificates of currency for your insurance. So that's referring back to those first two pages. They're just the the certificates of for you both. The first one being Nick with Tal, and then Lauren, yours as being with Neos.\n\nJust showing that your your policies are actually enforced.\n\nChannel 1: Mhmm. Yeah. Sure.\n\nChannel 0: The next document is our financial services guide, a legal document that we need to provide to all clients. It just explains who we are,\n\nChannel 1: Yep.\n\nChannel 0: that we are licensed with ASIC, the types of advice we can provide and how we do so, a guideline of fees, and then also our complaints process and the the avenues that you can take if you're unhappy with any of the services that we provide to\n\nChannel 1: Yep.\n\nChannel 0: you. The next document is for Nick. I'm hoping if it's in the right order, it should be the Netwealth advice fees consent renewal. It's\n\nChannel 1: No.\n\nChannel 0: not\n\nChannel 1: The next one we have is option to provide tax file number.\n\nChannel 0: okay. Alright.\n\nChannel 1: Oh, then\n\nChannel 0: Not\n\nChannel 1: we\n\nChannel 0: in\n\nChannel 1: have\n\nChannel 0: order. I've\n\nChannel 1: the advice, fees, consent after that. Yeah. Yeah. Yep. I've got\n\nChannel 0: okay.\n\nChannel 1: the next\n\nChannel 0: Beautiful.\n\nChannel 1: one.\n\nChannel 0: Alright. So the tax file number should be for yourself, Nick.\n\nChannel 1: Yep.\n\nChannel 0: It's just we wouldn't we'd have one on file already for you, Lauren.\n\nChannel 1: Okay.\n\nChannel 0: It's just confirming that you're aware and you're okay for us to hold your tax file number on file. The reason we have it is when we up your superannuation fund, we were required to provide it to make sure, you know, that you didn't get taxed in your superannuation fund as a non Australian resident. So if you're happy for us, it's to acknowledge that we do hold it on your behalf. The next document, is it is the fee consent? Is it for Nick or is it\n\nChannel 1: Nick.\n\nChannel 0: Lauren?\n\nChannel 1: Nick. Yeah.\n\nChannel 0: Nick. Beautiful. Alright. So the fee is are calculated being a couple. It's based on 1.1% of your account balance,\n\nChannel 1: Mhmm.\n\nChannel 0: and then it's fixed for twelve months. So, previously, it would have fluctuated with the market's ups and downs. We've changed our fee structure to be more transparent and set for clients. So what this form does is it has calculated your fee based on the balance and calculated it at 1.1% and then set it as a flat fee. So just under those percent, you'll see on the towards the bottom part of that page, you'll see a figure of $287.91.\n\nThat is the monthly fee.\n\nChannel 1: I don't see $2.87. I see for Nick fixed dollar ongoing member fee advice. Is that where I'm looking?\n\nChannel 0: No. No. Hang on. Let me have\n\nChannel 1: I don't\n\nChannel 0: a look.\n\nChannel 1: see 200 and something anywhere.\n\nChannel 0: What? Okay. So at the top of the form, does it say Netwealth advice fee consent renewal?\n\nChannel 1: Yes. Not renewal. It says net Netwealth advice fees consent.\n\nChannel 0: Okay. I wonder. So is there a percent fee anywhere on the forms that has been sent to you?\n\nChannel 1: Percent. I can't see a percent anywhere. I just see you'll pay the following ongoing fees from your account from the 09/01/2026. You'll have a $6 payment amount of $426.28 per month.\n\nChannel 0: Okay. I'm looking at I have been given the wrong forms or you have been sent the wrong forms. Leave that with me to clarify.\n\nChannel 1: Okay.\n\nChannel 0: Give me one second because I'm gonna jump in and see what is going on here. Sorry this. I haven't come across this before. I potentially think the wrong form has been uploaded for Nick. I'm looking at it now because it is different to the one that you have, Lauren.\n\nI think Nick's form is incorrect. So what I'm gonna do is I'll\n\nChannel 1: Mhmm.\n\nChannel 0: resend that with the correct form for Nick. But Nick's will look like yours, Lauren. So if you skip to your one, sorry,\n\nChannel 1: Yep.\n\nChannel 0: as a reference while I'm speaking, because I'll I'll just\n\nChannel 1: I see the\n\nChannel 0: recent.\n\nChannel 1: difference. Yeah.\n\nChannel 0: Yeah. Yep. So, Nick, yours is set at, jump back, $287.91 per month.\n\nChannel 1: Okay. Yeah. Yep.\n\nChannel 0: And that's but so that will be fixed. So previously, it used to fluctuate the\n\nChannel 1: Okay.\n\nChannel 0: percent base fee, which is was pretty standard across the advice profession.\n\nChannel 1: Yeah.\n\nChannel 0: But recently, you know, it's our our advice doesn't change based on the performance. So if the performance of the portfolio is going well, there's really no reason why we should be paid more\n\nChannel 1: Yeah.\n\nChannel 0: as such,\n\nChannel 1: Yeah.\n\nChannel 0: so we fix it because our advice would be based on a fixed fee.\n\nChannel 1: Okay. Yeah. Cool. That makes sense.\n\nChannel 0: Yeah. And, Lauren, yours is the next well, you're already looking at it as a reference, but it's yours is based on $202.41 per month that would be deducted from your hub account. Any questions about those fees?\n\nChannel 1: Okay. No.\n\nChannel 0: No? Okay. Beautiful. So what I'm going to do is please disregard the document that you have. I'm\n\nChannel 1: Mhmm.\n\nChannel 0: going to resend a new one to you to make sure that you actually have the correct ones. And if if and when you're comfortable, I'll ask you to sign those and return them.\n\nChannel 1: Yes.\n\nChannel 0: I will also send you the email for the estate planning contacts that we use. And, basically, just is there anything else that I could give that you need advice on or you wanna discuss further?\n\nChannel 1: Not really, but just just quickly because this has I have been thinking about and discussing\n\nChannel 0: Yep.\n\nChannel 1: with the Australian been a long thing and how it wasn't\n\nChannel 0: Yep.\n\nChannel 1: a great year. Because I totally get there's gonna be ups and downs. And looking at that, you know, the graph that you showed us in the documents here, it does the market obviously do go up and down. We do have to expect a bad year here and there. But it doesn't seem like that loss was an overall market effect.\n\nIt seems like it was a obviously,\n\nChannel 0: Yeah.\n\nChannel 1: one Yeah. It's a fund.\n\nChannel 0: Yep.\n\nChannel 1: It was it was just a one fund. And so it's it's\n\nChannel 0: Why?\n\nChannel 1: obviously it's it's a bit it's a bit disappointing. I'll be and I'm like, whatever. It's not personal, but it's just it's disappointing because it it's such\n\nChannel 0: Yes.\n\nChannel 1: you know, we pay we have\n\nChannel 0: Yes.\n\nChannel 1: financial advisers, and we pay fees to ensure\n\nChannel 0: Yeah.\n\nChannel 1: we get a good return. So it it has and to be honest, it has made us question, are we in the right fund? Because when we first moved to Netwealth a few years ago, the predictions I I have a document somewhere that was saved, and the prediction for where we would be now, we we haven't met it.\n\nChannel 0: Yeah. Projections.\n\nChannel 1: We're quite\n\nChannel 0: Yep.\n\nChannel 1: far below where we were\n\nChannel 0: Yep.\n\nChannel 1: projected to be in at this point in time. So,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, I'm just kinda wondering how we're performing as compared to the average fund. And I know it was just a bad year, and there's nothing you can do about that now. But\n\nChannel 0: It wasn't necessarily a bad year, and I'm not sure if it was explained how the been along works. So to give you some comfort and explanation,\n\nChannel 1: Yeah.\n\nChannel 0: it wasn't you're correct. It's not the Australian share market that performed badly at all. It was the investment mandate that Ben along Australian Equities Fund follows. So their mandate so each investment company and fund has investment manager. And think of it as a philosophy that they follow, which we call a mandate.\n\nNow Venalong's was that they're an active manager, so their purpose is to actively seek growth opportunities. So their that what they are their mandate expects of them is that they seek out companies that they believe are undervalued in the Australian share market with the potential\n\nChannel 1: Mhmm.\n\nChannel 0: resources that have performed in the exchange share market. So it's not it it's so there's two different types of investment philosophies typically. There's your active, which have fund managers that have certain mandates that they follow, and then you've got your passive investments, which are they'll track against a certain index. With a actively managed fund like Benelon, it is you're always gonna have some significant variances because they're not always gonna get it right. That's their investment philosophy and belief.\n\nAnd if that if that it does allow for significant growth, but it also does allow for some decent loss and some if if it's not adhered to and the market's reacting or behaving in a different way. So the last year, yes, it was very bad for Bennelong. It was about a negative 18 nearly 19% return overall for the fund itself.\n\nChannel 1: What I thought it was to do with one of the comp one of the things they held in the fund, one of the main companies they held in the fund was completely devalued or wiped out or something along those lines. You know?\n\nChannel 0: It's more so the manager, you know, probably not wrong. I'd say it's it's a systemic theme. It's not necessarily one bad decision. It's the it's the mandate that they follow. So if we have a look I'm just jumping in.\n\nI'm gonna give you a little bit more information. To go back a little bit. Let me get some information together you for you before that. But if we look and I can email that through. But if we look at the last twelve months, you're looking at nearly a negative 19% return as an overall for the actual Bennelong Australian Equities Fund over a ten year return.\n\nSo we look long term. We don't as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Short term is, you know, we can't always look back. But, you know, you're looking at about a 6% return. So you are gonna have very negative returns. The Bennelong has had a negative pretty negative consistent return for probably the last twelve to eighteen months.\n\nChannel 1: Okay.\n\nChannel 0: We don't we don't systemic issue that's ongoing. So if we saw, for example, in your portfolio\n\nChannel 1: Mhmm.\n\nChannel 0: now, you've got gold and you're at yeah. It's operating at a negative at the moment. It's returning a negative. That's\n\nChannel 1: Mhmm.\n\nChannel 0: not raising a flag for us because that's how we would actually expect that investment to\n\nChannel 1: Right.\n\nChannel 0: to act. It's going to but with the Benelon, for example, that's not how we would expect it to act for a long period of time.\n\nChannel 1: Okay.\n\nChannel 0: So what our job is to do is to make sure that, yep, it's you're never gonna get a perfect portfolio. Some years are gonna be fantastic depending on typically the global events that are occurring at the time because they're the ones\n\nChannel 1: Mhmm.\n\nChannel 0: that have the biggest impact on how the market reacts. But it's to make sure that if there is something of any concern that we are acting on it as fast as possible, but not being reactive. So if we had a for example, we wouldn't be doing our jobs if we saw Ben along performing bad for six months and said, okay. Get everybody out of there\n\nChannel 1: Yeah.\n\nChannel 0: because that's just a that's a reaction to a negative return. We aren't following our investment philosophy and making sure that we're not doing doing our due diligence, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: But when it becomes a systemic issue, that's when it's our job to go, no. We've gotta do further investigation here and look at alternatives, what's the actual problem, what's happening, and so on. So it's never gonna be perfect. I wish I had a crystal ball because I would be getting the lotto numbers\n\nChannel 1: Yes.\n\nChannel 0: myself. But, yeah, our job is to not be reactive,\n\nChannel 1: Mhmm.\n\nChannel 0: but proactive when required. So the removal of the banner long when it was was actually a good move. There are some clients that are unfortunately still exposed to banner long and are still experiencing significant losses with this sitting in about the 16 negative 16 at the moment.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So you were definitely at at a good time.\n\nChannel 1: Mhmm.\n\nChannel 0: And it yeah. So it works It's not great, but then when we cashed it out and also bought the beta shares, the offset was that there was no capital gains tax charged within the portfolio and that we were able to adjust the portfolio in a tax effective manner as well. So\n\nChannel 1: Yep.\n\nChannel 0: it doesn't\n\nChannel 1: Okay.\n\nChannel 0: just come down to although, you know, returns are extremely, extremely important, they're not the only thing that that's gonna see you reach your retirement goals. And if we look at projections, because I know you just touched on those before, I personally don't like projections. The reason\n\nChannel 1: Yeah.\n\nChannel 0: being\n\nChannel 1: Yep.\n\nChannel 0: is that depending on how far you're projected out, they're very, very speculative in nature.\n\nChannel 1: Yeah.\n\nChannel 0: If I'm ever gonna do a projection, I'm gonna do a projection based on CPI or just above CPI\n\nChannel 1: Mhmm.\n\nChannel 0: because anything can change at any point in time.\n\nChannel 1: Yeah.\n\nChannel 0: If there is a a loss a period of time where super contributions aren't being made or, for example, if those projections didn't allow for your insurance premiums to be deducted, There's so many variables in there that if they're not done properly, they can give an inflated expectation of what you would what you can expect at retirement. So we don't actually do projections that far out anymore. We do, I think it's like a five year based on current circumstances and the average return of eight to 10% in a high growth portfolio with negative returns allowed. So to avoid that expectation that\n\nChannel 1: Yeah. No. Exactly that. Maybe yeah. I think I think when\n\nChannel 0: yeah.\n\nChannel 1: we joined NetSoftwell, I probably didn't realize the projections, the adjusted projections. I thought, oh, great. We're gonna have this much money. But\n\nChannel 0: Yeah. And and\n\nChannel 1: yeah.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: know what? It is really it's really hard because, you know, we wanna be able to provide something, but it's also it's difficult to do that in a really realistic manner. So I think\n\nChannel 1: Yeah.\n\nChannel 0: that's why we've wound it back back a little bit in respect of the projections because they can be really speculative and overinflated at\n\nChannel 1: Yeah. Okay. No reasonable. Fair\n\nChannel 0: times.\n\nChannel 1: enough.\n\nChannel 0: Yep. And just touching on the the basic the the comment that you made earlier about how Netwealth is doing. It's Netwealth is just the platform. It's\n\nChannel 1: Mhmm.\n\nChannel 0: your underlying investments that can that produce the performance. So if I go to just a really popular industry fund to let you know who q super is.\n\nChannel 1: Yep.\n\nChannel 0: Yep. I just use that one because everyone knows who it is.\n\nChannel 1: Yeah.\n\nChannel 0: I'm looking at a portfolio at the moment of theirs that is falls within the high growth range. So that so that $90.10 allocation,\n\nChannel 1: Mhmm.\n\nChannel 0: actually, even a little bit more. They're a little bit more exposed to cash I mean, gross by about seven to 8%, and their return for the last year was 7.15%.\n\nChannel 1: Okay.\n\nChannel 0: And now\n\nChannel 1: Yeah.\n\nChannel 0: and that and that's grosser fees, so that's not net. QSuper\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: doesn't yep. So it's more the investment options that it's not Netwealth themselves. It's the underlying investment options.\n\nChannel 1: Yep. No. That's reasonable. Yeah. Cool.\n\nMakes\n\nChannel 0: Does\n\nChannel 1: sense.\n\nChannel 0: that\n\nChannel 1: Thank\n\nChannel 0: does\n\nChannel 1: you.\n\nChannel 0: that help?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Because I always just wanna make sure that everyone understands and, you know, you're able to make an informed decision. So\n\nChannel 1: Yep.\n\nChannel 0: if if there's anything else that I need to explain or give you information on, I'm absolutely 100% happy to do\n\nChannel 1: Yeah. No worries. Thank you. I think that answers everything. I wanted to kinda speak it out.\n\nChannel 0: that. Yes. Okay. Beautiful. Alright.\n\nWell, I am just one last question. We have you guys on annual reviews. Are you happy to continue with annual reviews? Did you want them more frequent? It\n\nChannel 1: No. That's pretty good. So annual's pretty good.\n\nChannel 0: Yep.\n\nChannel 1: I we keep an eye on how the funds got doing online\n\nChannel 0: Yep.\n\nChannel 1: anyway. So kinda have yeah. The annual I think I think the only one I want is it what was the name of is it Shahail? What's his company? Shahil, the mortgage broker.\n\nYeah.\n\nChannel 0: Mortgage\n\nChannel 1: Was that through\n\nChannel 0: broker.\n\nChannel 1: Yeah. I think she has put us in touch with our mortgage broker Shahil once let me check. Probably his contacts will be saved in my phone.\n\nChannel 0: Okay. Okay.\n\nChannel 1: Yes. Is he okay? Okay. That doesn't matter. I think I'm pretty sure we got his number from you.\n\nIt's just the mortgage broker that you recommended to us, but I was just saying if you you still if you still recommended him. But but\n\nChannel 0: Actually, we have I\n\nChannel 1: or\n\nChannel 0: actually\n\nChannel 1: if we\n\nChannel 0: met\n\nChannel 1: have\n\nChannel 0: with someone.\n\nChannel 1: a\n\nChannel 0: Yeah. I actually met with someone new just recently. Let me jump into the system. I actually quite liked them. They're called Truth Front Financial Truth Financial, I should say.\n\nThey seems like really onto it. What I'm going to do is I'm just sorry. We've got documents saved everywhere. Did you want a a contact for that, or have you got or is it you wanna reach back out to\n\nChannel 1: What did you want, Nikki? I think we're okay. Yeah. There was it was a minor thing, really, because I think it's you know, we're we're toying with the idea of selling our house, you know\n\nChannel 0: them?\n\nChannel 1: Upgrading.\n\nChannel 0: Mhmm.\n\nChannel 1: Moving to and, you know, somewhere else. But, yeah, it's not not pressing. It's just if you if you had any sort of affiliation or\n\nChannel 0: Yep.\n\nChannel 1: whatever it may be with\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: re\n\nChannel 1: mortgage broker, that's all.\n\nChannel 0: yeah. I think the guys that we met with actually this week, I think that that definitely be able to help you. I can do an introduction email if you like, and you can just reach out. They can reach out to you, and you can make an appointment whenever or\n\nChannel 1: Yeah.\n\nChannel 0: a phone\n\nChannel 1: That's\n\nChannel 0: consultation,\n\nChannel 1: great. Yeah. That'd be great.\n\nChannel 0: yeah,\n\nChannel 1: Yeah. Thanks\n\nChannel 0: whenever\n\nChannel 1: for\n\nChannel 0: works for you guys.\n\nChannel 1: yeah.\n\nChannel 0: I'll\n\nChannel 1: Cool.\n\nChannel 0: get mad\n\nChannel 1: Thank you.\n\nChannel 0: I'll get Maddie to do that from our office. So yeah. But in the meantime, I will send you through that fee report for your information, and I'll send you the estate planning forms the estate planning brochures\n\nChannel 1: Excellent. W\n\nChannel 0: as\n\nChannel 1: d e cals. Yeah. Yeah. No. That's a\n\nChannel 0: well.\n\nChannel 1: priority. We need to do it.\n\nChannel 0: Alright. Fantastic. And once you've got those brochures, if you want us to do an introduction or if you want me to just do an introduction anyway so they reach out to you, I can be guided by you.\n\nChannel 1: Wonderful. That's perfect. Thank you so much.\n\nChannel 0: Did you want me to do that intro?\n\nChannel 1: Oh, yeah. The intro. Yeah. Yeah. Yeah.\n\nPerfect. Yes.\n\nChannel 0: Yep. Beautiful. Alright. I'll do that, and I'll still send you the brochure in a separate in a separate email to that one.\n\nChannel 1: Easy. Thank you. Just to clarify, Jenny, you're gonna send through that correct document, and then we'll sign those and return\n\nChannel 0: Yep.\n\nChannel 1: work.\n\nChannel 0: Yep. I'm going to\n\nChannel 1: Easy.\n\nChannel 0: pop them through in a moment.\n\nChannel 1: Oh, excellent.\n\nChannel 0: Alright.\n\nChannel 1: Alright.\n\nChannel 0: Thank you\n\nChannel 1: Thank you\n\nChannel 0: so\n\nChannel 1: for\n\nChannel 0: much.\n\nChannel 1: your time. Thanks for your help.\n\nChannel 0: No. Thank\n\nChannel 1: Have a\n\nChannel 0: you,\n\nChannel 1: good\n\nChannel 0: and enjoy your\n\nChannel 1: weekend.\n\nChannel 0: weekend.\n\nChannel 1: Thank\n\nChannel 0: You\n\nChannel 1: you.\n\nChannel 0: too.\n\nChannel 1: Goodbye. Cheers.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.32,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.05034077912569046},{"text":"Lauren speaking.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.04740286245942116}],"sentiment":"neutral","sentiment_score":0.04838216801484426,"channel":1,"num_words":3,"start":0.32,"end":1.54},{"sentences":[{"text":"Hi, Lauren.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.20399963110685349},{"text":"It's Jenna here phoning from Oakview Financial.","start":2.96,"end":5.38,"sentiment":"neutral","sentiment_score":0.21976154616900853},{"text":"How are 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okay?","start":19.795,"end":20.695,"sentiment":"neutral","sentiment_score":0.04681978871424993}],"sentiment":"neutral","sentiment_score":0.020867752601151115,"channel":0,"num_words":27,"start":14.08,"end":20.695},{"sentences":[{"text":"Yep.","start":20.205,"end":20.605,"sentiment":"neutral","sentiment_score":0.04425821825861931},{"text":"Yeah.","start":20.605,"end":20.925,"sentiment":"neutral","sentiment_score":0.10139505565166472},{"text":"Sure.","start":20.925,"end":21.425,"sentiment":"neutral","sentiment_score":0.2190721333026886}],"sentiment":"neutral","sentiment_score":0.12157513573765755,"channel":1,"num_words":3,"start":20.205,"end":21.425},{"sentences":[{"text":"Beautiful.","start":22.275,"end":22.775,"sentiment":"positive","sentiment_score":0.43845802545547485},{"text":"And, Lauren, I just need to ID you.","start":23.395,"end":25.555,"sentiment":"neutral","sentiment_score":0.10020566638559103},{"text":"Can you please confirm your full name, date of birth, and","start":25.555,"end":28.65,"sentiment":"neutral","sentiment_score":0.052140870385549286}],"sentiment":"neutral","sentiment_score":0.09068264653906226,"channel":0,"num_words":20,"start":22.275,"end":28.65},{"sentences":[{"text":"Yeah.","start":29.65,"end":29.89,"sentiment":"neutral","sentiment_score":0.03791593760251999},{"text":"Lauren Jane Ashton, 03/28/1985, and 12 Healy Court, Matruba.","start":29.89,"end":35.11,"sentiment":"neutral","sentiment_score":0.030956568610337045}],"sentiment":"neutral","sentiment_score":0.03165250550955534,"channel":1,"num_words":10,"start":29.65,"end":35.11},{"sentences":[{"text":"address?","start":34.97,"end":35.47,"sentiment":"neutral","sentiment_score":0.031137172132730484},{"text":"Fantastic.","start":36.17,"end":36.67,"sentiment":"neutral","sentiment_score":0.33267641067504883},{"text":"And is Nick with 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Nikki?","start":39.01,"end":40.55,"sentiment":"neutral","sentiment_score":0.021946010878309608},{"text":"Yeah.","start":40.61,"end":41.09,"sentiment":"neutral","sentiment_score":0.013294671662151814},{"text":"Yeah.","start":41.09,"end":41.33,"sentiment":"neutral","sentiment_score":0.010125068947672844},{"text":"One second.","start":41.33,"end":41.809998,"sentiment":"neutral","sentiment_score":-0.0025637508369982243},{"text":"Sorry.","start":41.809998,"end":41.89,"sentiment":"neutral","sentiment_score":-0.044706884771585464}],"sentiment":"neutral","sentiment_score":0.006818821964164575,"channel":1,"num_words":9,"start":39.01,"end":41.89},{"sentences":[{"text":"I think he's just finishing up in in a 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is this a summary of your insurance and supers for Nick or yourself, Lauren?","start":758.17,"end":764.58997,"sentiment":"neutral","sentiment_score":0.1170984341038598}],"sentiment":"neutral","sentiment_score":0.2427124822961873,"channel":0,"num_words":29,"start":753.615,"end":764.58997},{"sentences":[{"text":"Yeah.","start":764.27496,"end":764.515,"sentiment":"neutral","sentiment_score":0.059718817472457886},{"text":"We can see.","start":764.515,"end":765.075,"sentiment":"neutral","sentiment_score":0.05727731560667356},{"text":"It's the we can 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Nick, you we have your with Netwealth.","start":768.40497,"end":771.945,"sentiment":"neutral","sentiment_score":0.08031937852501869},{"text":"The balance is 314,312.","start":772.245,"end":776.58496,"sentiment":"neutral","sentiment_score":0.07621149532496929},{"text":"We have your life and insurance with Cal as well as your income protection.","start":777.685,"end":784.12,"sentiment":"neutral","sentiment_score":0.0993265477674348}],"sentiment":"neutral","sentiment_score":0.1009689566812345,"channel":0,"num_words":28,"start":767.05,"end":784.12},{"sentences":[{"text":"Your life and TPD is 2.1 approximately.","start":785.78,"end":790.04,"sentiment":"neutral","sentiment_score":0.05718845860766513},{"text":"So in the event of death or total of permanent disablement, that's what will be paid out.","start":791.3,"end":795.785,"sentiment":"neutral","sentiment_score":-0.014148195438525257},{"text":"And your","start":796.005,"end":796.565,"sentiment":"neutral","sentiment_score":0.13431302458047867}],"sentiment":"neutral","sentiment_score":0.016477920652295534,"channel":0,"num_words":26,"start":785.78,"end":796.565},{"sentences":[{"text":"Yep.","start":796.555,"end":797.055,"sentiment":"neutral","sentiment_score":0.12604396045207977}],"sentiment":"neutral","sentiment_score":0.12604396045207977,"channel":1,"num_words":1,"start":796.555,"end":797.055},{"sentences":[{"text":"income protection covers you for $11,713 per 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fine.","start":898.79,"end":900.39,"sentiment":"neutral","sentiment_score":0.11492438800632954},{"text":"Yeah.","start":900.39,"end":900.89,"sentiment":"neutral","sentiment_score":0.11019676923751832}],"sentiment":"neutral","sentiment_score":0.11397886425256729,"channel":1,"num_words":5,"start":898.79,"end":900.89},{"sentences":[{"text":"Yep.","start":901.02,"end":901.52,"sentiment":"neutral","sentiment_score":0.09229054301977158},{"text":"Okay.","start":901.74,"end":902.24,"sentiment":"neutral","sentiment_score":0.0902569591999054},{"text":"So the life and TPD, basically, what you'd want that to cover is repayment of debt, funds for Lauren and the kids to you know, it might be for education purposes.","start":904.78,"end":921.175,"sentiment":"neutral","sentiment_score":0.07324072766688562},{"text":"It","start":921.475,"end":921.635,"sentiment":"neutral","sentiment_score":0.03481274098157883}],"sentiment":"neutral","sentiment_score":0.07317125884925618,"channel":0,"num_words":34,"start":901.02,"end":921.635},{"sentences":[{"text":"Yeah.","start":921.63,"end":922.13,"sentiment":"neutral","sentiment_score":0.028169021010398865}],"sentiment":"neutral","sentiment_score":0.028169021010398865,"channel":1,"num_words":1,"start":921.63,"end":922.13},{"sentences":[{"text":"might be for Lauren to take a little bit of time off work or return to work on a part time basis.","start":921.635,"end":928.19,"sentiment":"neutral","sentiment_score":0.1199841753325679},{"text":"Just give that flexibility in the event that that 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like we did previously with.","start":1462.12,"end":1469.5801,"sentiment":"neutral","sentiment_score":-0.09668199717998505},{"text":"We're quite happy with the performance of the fund and the allocation to it to the different sectors.","start":1470.895,"end":1477.875,"sentiment":"positive","sentiment_score":0.5663618511623807}],"sentiment":"neutral","sentiment_score":0.16720854289947995,"channel":0,"num_words":63,"start":1453.735,"end":1477.875},{"sentences":[{"text":"No.","start":1478.28,"end":1478.78,"sentiment":"neutral","sentiment_score":0.0194232240319252}],"sentiment":"neutral","sentiment_score":0.0194232240319252,"channel":1,"num_words":1,"start":1478.28,"end":1478.78},{"sentences":[{"text":"Do you guys have any questions about your portfolio?","start":1479.375,"end":1482.355,"sentiment":"neutral","sentiment_score":-0.009005959456165632},{"text":"No?","start":1484.335,"end":1484.8151,"sentiment":"neutral","sentiment_score":-0.025890473276376724},{"text":"Okay.","start":1484.8151,"end":1485.3151,"sentiment":"neutral","sentiment_score":0.011447266675531864},{"text":"The next document is the Vanguard index chart.","start":1485.95,"end":1489.23,"sentiment":"neutral","sentiment_score":0.014472248731181026},{"text":"Is that what you're seeing?","start":1489.23,"end":1490.45,"sentiment":"neutral","sentiment_score":0.00805608187802136}],"sentiment":"neutral","sentiment_score":0.0025233982305508107,"channel":0,"num_words":24,"start":1479.375,"end":1490.45},{"sentences":[{"text":"No.","start":1490.12,"end":1490.44,"sentiment":"neutral","sentiment_score":-0.0560552142560482},{"text":"Yes.","start":1490.44,"end":1490.76,"sentiment":"neutral","sentiment_score":-0.0008996147662401199},{"text":"It is.","start":1490.76,"end":1491.345,"sentiment":"neutral","sentiment_score":-0.002633681520819664}],"sentiment":"neutral","sentiment_score":-0.015555548015981913,"channel":1,"num_words":4,"start":1490.12,"end":1491.345},{"sentences":[{"text":"Okay.","start":1492.03,"end":1492.53,"sentiment":"neutral","sentiment_score":0.01069759763777256},{"text":"So this is where I can explain a little bit better the the risk profile and how funds are invested.","start":1492.59,"end":1500.13,"sentiment":"neutral","sentiment_score":-0.016653306689113377}],"sentiment":"neutral","sentiment_score":-0.01535088267354738,"channel":0,"num_words":21,"start":1492.03,"end":1500.13},{"sentences":[{"text":"Mhmm.","start":1500.625,"end":1501.125,"sentiment":"neutral","sentiment_score":0.0312679298222065}],"sentiment":"neutral","sentiment_score":0.0312679298222065,"channel":1,"num_words":1,"start":1500.625,"end":1501.125},{"sentences":[{"text":"So being a visual tool, it's easier to explain.","start":1501.0549,"end":1504.995,"sentiment":"neutral","sentiment_score":0.06663737404677603},{"text":"So in a high growth portfolio, you will have 90% typically of your funds allocated to growth assets with 10% to your defensive assets.","start":1505.855,"end":1517.18,"sentiment":"neutral","sentiment_score":0.04250700081077715},{"text":"Now looking at that chart, you'll see on the left hand sorry.","start":1517.18,"end":1521.34,"sentiment":"neutral","sentiment_score":0.028379157806436222},{"text":"Far right hand side, there's a column of US shares, Australian shares, international, and property.","start":1521.34,"end":1528.72,"sentiment":"neutral","sentiment_score":0.02902755029499531},{"text":"They're your growth assets.","start":1530.605,"end":1532.0651,"sentiment":"neutral","sentiment_score":0.043593086302280426}],"sentiment":"neutral","sentiment_score":0.04015999811235815,"channel":0,"num_words":64,"start":1501.0549,"end":1532.0651},{"sentences":[{"text":"So in a high growth portfolio, typically, you've got about 90% of your funds allocated to those three so those four sectors, and you'll see how they react over time, the market.","start":1532.365,"end":1546.72,"sentiment":"neutral","sentiment_score":0.052958071581088006}],"sentiment":"neutral","sentiment_score":0.052958071581088006,"channel":0,"num_words":32,"start":1532.365,"end":1546.72},{"sentences":[{"text":"Yes.","start":1547.16,"end":1547.66,"sentiment":"neutral","sentiment_score":0.03976995870471001}],"sentiment":"neutral","sentiment_score":0.03976995870471001,"channel":1,"num_words":1,"start":1547.16,"end":1547.66},{"sentences":[{"text":"So a lot of the significant events, you can attribute to global events, let's call it.","start":1547.26,"end":1558.695,"sentiment":"neutral","sentiment_score":0.015168712241575122},{"text":"So if you look along the top there, you'll see in the black riding different types of significant global events.","start":1558.7749,"end":1565.4149,"sentiment":"neutral","sentiment_score":0.008723114896565676},{"text":"So you've got the GFC there from o seven till about late o eight","start":1565.4149,"end":1569.995,"sentiment":"neutral","sentiment_score":0.007451711887759822}],"sentiment":"neutral","sentiment_score":0.010429713204503059,"channel":0,"num_words":50,"start":1547.26,"end":1569.995},{"sentences":[{"text":"Mhmm.","start":1570.12,"end":1570.62,"sentiment":"neutral","sentiment_score":0.007520931772887707}],"sentiment":"neutral","sentiment_score":0.007520931772887707,"channel":1,"num_words":1,"start":1570.12,"end":1570.62},{"sentences":[{"text":"and how the market was impacted through that period of time.","start":1570.695,"end":1574.29,"sentiment":"neutral","sentiment_score":-0.047905861315402115},{"text":"You've got COVID nineteen and how the market was impacted.","start":1574.35,"end":1578.29,"sentiment":"neutral","sentiment_score":-0.03397896196693182},{"text":"And this shows you over a thirty year period how the market reacts and the volatility you can expect to experience in those types of assets.","start":1579.55,"end":1591.415,"sentiment":"neutral","sentiment_score":0.009442364438795127},{"text":"The 10% of your portfolio is invested in the bottom two.","start":1592.275,"end":1596.2151,"sentiment":"neutral","sentiment_score":-0.003771052441813729},{"text":"It says Australian bonds, but it's Australian and international bonds and cash.","start":1596.275,"end":1600.32,"sentiment":"neutral","sentiment_score":-0.0068797944113612175}],"sentiment":"neutral","sentiment_score":-0.010647024693233626,"channel":0,"num_words":70,"start":1570.695,"end":1600.32},{"sentences":[{"text":"And that's your defensive part of the portfolio.","start":1601.0399,"end":1603.38,"sentiment":"neutral","sentiment_score":-0.028336849412880838},{"text":"So there's not a lot of growth in those 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twelve months definitely fell shy of that, not by much because that's gross is inclusive of these.","start":1625.3151,"end":1636.42,"sentiment":"negative","sentiment_score":-0.352413672208786},{"text":"It didn't fall shy by too much, but it did fall shy.","start":1636.42,"end":1639.7201,"sentiment":"negative","sentiment_score":-0.36928019175926846},{"text":"But what we expect in the high growth profile is that at least one in every five years, statistically speaking, you'd expect to see a negative return.","start":1640.26,"end":1649.555,"sentiment":"negative","sentiment_score":-0.4257550692116773}],"sentiment":"neutral","sentiment_score":-0.253362353981995,"channel":0,"num_words":82,"start":1617.3151,"end":1649.555},{"sentences":[{"text":"Okay.","start":1651.32,"end":1651.82,"sentiment":"neutral","sentiment_score":-0.1522708237171173}],"sentiment":"neutral","sentiment_score":-0.1522708237171173,"channel":1,"num_words":1,"start":1651.32,"end":1651.82},{"sentences":[{"text":"So that's kind of like your comfort with that.","start":1651.455,"end":1654.275,"sentiment":"neutral","sentiment_score":0.06432348489761353},{"text":"The other thing is is because we're talking about your investment for your superannuation funds, there's a preservation age, and that's 60 for both of you.","start":1654.655,"end":1666.15,"sentiment":"neutral","sentiment_score":-0.04637957661627577},{"text":"So, Nick, you've got about fourteen years to preservation age, and, 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whether you wanna remain as a high growth investor at this point in time.","start":1695.1799,"end":1716.0,"sentiment":"neutral","sentiment_score":0.09099444875923487}],"sentiment":"neutral","sentiment_score":0.04506705597262172,"channel":0,"num_words":68,"start":1672.945,"end":1716.0},{"sentences":[{"text":"I'm pretty okay to do that, Nikki.","start":1717.065,"end":1718.585,"sentiment":"neutral","sentiment_score":0.20961240146841323},{"text":"What are you?","start":1718.585,"end":1719.225,"sentiment":"neutral","sentiment_score":0.11589765300353368},{"text":"100%.","start":1719.225,"end":1719.865,"sentiment":"neutral","sentiment_score":0.09761163592338562},{"text":"Yeah.","start":1719.865,"end":1720.265,"sentiment":"neutral","sentiment_score":0.04389611631631851},{"text":"At the 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closer.","start":1751.3401,"end":1755.4401,"sentiment":"neutral","sentiment_score":-0.12794758528470992},{"text":"But given that you guys are still a fair amount of time out, I wouldn't recommend reducing unless you weren't comfortable with it.","start":1755.945,"end":1766.365,"sentiment":"negative","sentiment_score":-0.3505205512046814}],"sentiment":"neutral","sentiment_score":-0.17046876002064684,"channel":0,"num_words":97,"start":1720.78,"end":1766.365},{"sentences":[{"text":"Yeah.","start":1766.32,"end":1766.64,"sentiment":"neutral","sentiment_score":-0.014384053647518158},{"text":"Sure.","start":1766.64,"end":1767.14,"sentiment":"neutral","sentiment_score":0.0340275838971138}],"sentiment":"neutral","sentiment_score":0.009821765124797821,"channel":1,"num_words":2,"start":1766.32,"end":1767.14},{"sentences":[{"text":"Okay.","start":1768.265,"end":1768.765,"sentiment":"neutral","sentiment_score":0.01668507046997547},{"text":"The next couple of documents are just the certificates of currency for your insurance.","start":1771.49,"end":1776.87,"sentiment":"neutral","sentiment_score":0.013627224468759127},{"text":"So that's referring back to those first two pages.","start":1776.9299,"end":1779.65,"sentiment":"neutral","sentiment_score":-0.0035751629620790464},{"text":"They're just the the certificates of for you both.","start":1779.65,"end":1784.035,"sentiment":"neutral","sentiment_score":0.18559197750356463},{"text":"The first one being Nick with Tal, and then Lauren, yours as being with Neos.","start":1784.035,"end":1788.135,"sentiment":"neutral","sentiment_score":0.11355070223410925}],"sentiment":"neutral","sentiment_score":0.07393495994620025,"channel":0,"num_words":48,"start":1768.265,"end":1788.135},{"sentences":[{"text":"Just showing that your your policies are actually 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are,","start":1801.5701,"end":1803.8301,"sentiment":"neutral","sentiment_score":0.1118268755575021}],"sentiment":"neutral","sentiment_score":0.10771073997020722,"channel":0,"num_words":25,"start":1794.755,"end":1803.8301},{"sentences":[{"text":"Yep.","start":1804.155,"end":1804.655,"sentiment":"neutral","sentiment_score":0.10492873191833496}],"sentiment":"neutral","sentiment_score":0.10492873191833496,"channel":1,"num_words":1,"start":1804.155,"end":1804.655},{"sentences":[{"text":"that we are licensed with ASIC, the types of advice we can provide and how we do so, a guideline of fees, and then also our complaints process and the the avenues that you can take if you're unhappy with any of the services that we provide to","start":1804.29,"end":1826.63,"sentiment":"neutral","sentiment_score":0.07197045930661261}],"sentiment":"neutral","sentiment_score":0.07197045930661261,"channel":0,"num_words":48,"start":1804.29,"end":1826.63},{"sentences":[{"text":"Yep.","start":1827.115,"end":1827.615,"sentiment":"neutral","sentiment_score":0.035448744893074036}],"sentiment":"neutral","sentiment_score":0.035448744893074036,"channel":1,"num_words":1,"start":1827.115,"end":1827.615},{"sentences":[{"text":"you.","start":1829.09,"end":1829.25,"sentiment":"neutral","sentiment_score":0.026741646230220795},{"text":"The next document is for Nick.","start":1829.25,"end":1832.5499,"sentiment":"neutral","sentiment_score":0.0345708883057038},{"text":"I'm hoping if it's in the right order, it should be the Netwealth advice fees consent 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advice, fees, consent after that.","start":1846.92,"end":1848.68,"sentiment":"neutral","sentiment_score":-0.009375415742397308},{"text":"Yeah.","start":1848.68,"end":1848.84,"sentiment":"neutral","sentiment_score":0.0538736954331398},{"text":"Yeah.","start":1848.84,"end":1849.0,"sentiment":"neutral","sentiment_score":0.07598865777254105},{"text":"Yep.","start":1849.0,"end":1849.32,"sentiment":"neutral","sentiment_score":0.14321835339069366},{"text":"I've got","start":1849.32,"end":1849.64,"sentiment":"neutral","sentiment_score":0.22312742471694946}],"sentiment":"neutral","sentiment_score":0.06028027832508087,"channel":1,"num_words":11,"start":1846.92,"end":1849.64},{"sentences":[{"text":"okay.","start":1849.485,"end":1849.965,"sentiment":"neutral","sentiment_score":0.19241325557231903}],"sentiment":"neutral","sentiment_score":0.19241325557231903,"channel":0,"num_words":1,"start":1849.485,"end":1849.965},{"sentences":[{"text":"the 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Nick.","start":1851.165,"end":1854.465,"sentiment":"neutral","sentiment_score":0.17824205309152602}],"sentiment":"neutral","sentiment_score":0.17927343330600046,"channel":0,"num_words":11,"start":1850.845,"end":1854.465},{"sentences":[{"text":"Yep.","start":1854.865,"end":1855.365,"sentiment":"neutral","sentiment_score":0.13157671689987183}],"sentiment":"neutral","sentiment_score":0.13157671689987183,"channel":1,"num_words":1,"start":1854.865,"end":1855.365},{"sentences":[{"text":"It's just we wouldn't we'd have one on file already for you, Lauren.","start":1856.1299,"end":1859.5099,"sentiment":"neutral","sentiment_score":0.04658275462973576}],"sentiment":"neutral","sentiment_score":0.04658275462973576,"channel":0,"num_words":13,"start":1856.1299,"end":1859.5099},{"sentences":[{"text":"Okay.","start":1859.745,"end":1860.245,"sentiment":"neutral","sentiment_score":0.12808045744895935}],"sentiment":"neutral","sentiment_score":0.12808045744895935,"channel":1,"num_words":1,"start":1859.745,"end":1860.245},{"sentences":[{"text":"It's just confirming that you're aware and you're okay for us to hold your tax file number on file.","start":1860.1299,"end":1866.71,"sentiment":"neutral","sentiment_score":0.21889136339488782},{"text":"The reason we have it is when we up your superannuation fund, we were required to provide it to make sure, you know, that you didn't get taxed in your superannuation fund as a non Australian resident.","start":1866.9299,"end":1878.9551,"sentiment":"neutral","sentiment_score":0.06463450596139238},{"text":"So if you're happy for us, it's to acknowledge that we do hold it on your behalf.","start":1879.415,"end":1884.74,"sentiment":"neutral","sentiment_score":0.3071032604750465},{"text":"The next document, is it is the fee consent?","start":1888.48,"end":1892.74,"sentiment":"neutral","sentiment_score":0.06598060205578804},{"text":"Is it for Nick or is it","start":1893.2,"end":1895.0399,"sentiment":"neutral","sentiment_score":0.022200394687908038}],"sentiment":"neutral","sentiment_score":0.14067860937604074,"channel":0,"num_words":89,"start":1860.1299,"end":1895.0399},{"sentences":[{"text":"Nick.","start":1895.03,"end":1895.51,"sentiment":"neutral","sentiment_score":0.025325268507003784}],"sentiment":"neutral","sentiment_score":0.025325268507003784,"channel":1,"num_words":1,"start":1895.03,"end":1895.51},{"sentences":[{"text":"Lauren?","start":1895.0399,"end":1895.5399,"sentiment":"neutral","sentiment_score":0.0392683707177639}],"sentiment":"neutral","sentiment_score":0.0392683707177639,"channel":0,"num_words":1,"start":1895.0399,"end":1895.5399},{"sentences":[{"text":"Nick.","start":1895.51,"end":1896.01,"sentiment":"neutral","sentiment_score":0.040686748921871185},{"text":"Yeah.","start":1896.07,"end":1896.57,"sentiment":"neutral","sentiment_score":0.11165392398834229}],"sentiment":"neutral","sentiment_score":0.07617033645510674,"channel":1,"num_words":2,"start":1895.51,"end":1896.57},{"sentences":[{"text":"Nick.","start":1896.08,"end":1896.58,"sentiment":"neutral","sentiment_score":0.16302761435508728},{"text":"Beautiful.","start":1897.12,"end":1897.62,"sentiment":"positive","sentiment_score":0.43852293491363525},{"text":"Alright.","start":1898.375,"end":1898.875,"sentiment":"neutral","sentiment_score":0.18427646160125732},{"text":"So the fee is are calculated being a couple.","start":1899.015,"end":1903.035,"sentiment":"neutral","sentiment_score":0.05916227690047688},{"text":"It's based on 1.1% of your account balance,","start":1903.415,"end":1907.915,"sentiment":"neutral","sentiment_score":0.06306163873523474}],"sentiment":"neutral","sentiment_score":0.09113903064280748,"channel":0,"num_words":20,"start":1896.08,"end":1907.915},{"sentences":[{"text":"Mhmm.","start":1908.39,"end":1908.89,"sentiment":"neutral","sentiment_score":0.0468304380774498}],"sentiment":"neutral","sentiment_score":0.0468304380774498,"channel":1,"num_words":1,"start":1908.39,"end":1908.89},{"sentences":[{"text":"and then it's fixed for twelve months.","start":1908.4551,"end":1911.1151,"sentiment":"neutral","sentiment_score":0.024326801832233156},{"text":"So, previously, it would have fluctuated with the market's ups and downs.","start":1911.73,"end":1917.11,"sentiment":"neutral","sentiment_score":-0.04442954311768214},{"text":"We've changed our fee structure to be more transparent and set for clients.","start":1917.6499,"end":1924.8049,"sentiment":"neutral","sentiment_score":0.2836212756542059},{"text":"So what this form does is it has calculated your fee based on the balance and calculated it at 1.1% and then set it as a flat fee.","start":1924.945,"end":1938.99,"sentiment":"neutral","sentiment_score":0.14526983190860068},{"text":"So just under those percent, you'll see on the towards the bottom part of that page, you'll see a figure of $287.91.","start":1939.07,"end":1950.05,"sentiment":"neutral","sentiment_score":0.09828967330130664}],"sentiment":"neutral","sentiment_score":0.11651387542667913,"channel":0,"num_words":82,"start":1908.4551,"end":1950.05},{"sentences":[{"text":"That is the monthly fee.","start":1950.83,"end":1952.025,"sentiment":"neutral","sentiment_score":0.004303772374987603}],"sentiment":"neutral","sentiment_score":0.004303772374987603,"channel":0,"num_words":5,"start":1950.83,"end":1952.025},{"sentences":[{"text":"I don't see $2.87.","start":1958.93,"end":1960.3701,"sentiment":"neutral","sentiment_score":-0.1685253120958805},{"text":"I see for Nick fixed dollar ongoing member fee advice.","start":1960.3701,"end":1963.465,"sentiment":"neutral","sentiment_score":-0.006904051452875137},{"text":"Is that where I'm looking?","start":1963.465,"end":1964.525,"sentiment":"neutral","sentiment_score":-0.026565122231841088}],"sentiment":"neutral","sentiment_score":-0.04610354600376204,"channel":1,"num_words":19,"start":1958.93,"end":1964.525},{"sentences":[{"text":"No.","start":1965.785,"end":1966.26,"sentiment":"neutral","sentiment_score":-0.202523410320282},{"text":"No.","start":1967.62,"end":1968.12,"sentiment":"neutral","sentiment_score":-0.21910548210144043},{"text":"Hang on.","start":1969.38,"end":1969.78,"sentiment":"neutral","sentiment_score":-0.18615077435970306},{"text":"Let me have","start":1969.78,"end":1970.34,"sentiment":"neutral","sentiment_score":-0.1373738025625547}],"sentiment":"neutral","sentiment_score":-0.1722931212612561,"channel":0,"num_words":7,"start":1965.785,"end":1970.34},{"sentences":[{"text":"I don't","start":1970.105,"end":1970.505,"sentiment":"neutral","sentiment_score":-0.12727537751197815}],"sentiment":"neutral","sentiment_score":-0.12727537751197815,"channel":1,"num_words":2,"start":1970.105,"end":1970.505},{"sentences":[{"text":"a look.","start":1970.34,"end":1971.0,"sentiment":"neutral","sentiment_score":-0.16647455096244812}],"sentiment":"neutral","sentiment_score":-0.16647455096244812,"channel":0,"num_words":2,"start":1970.34,"end":1971.0},{"sentences":[{"text":"see 200 and something anywhere.","start":1970.505,"end":1972.605,"sentiment":"neutral","sentiment_score":-0.1159387931227684}],"sentiment":"neutral","sentiment_score":-0.1159387931227684,"channel":1,"num_words":5,"start":1970.505,"end":1972.605},{"sentences":[{"text":"What?","start":1975.22,"end":1975.72,"sentiment":"neutral","sentiment_score":-0.03481394052505493},{"text":"Okay.","start":1976.26,"end":1976.58,"sentiment":"neutral","sentiment_score":-0.007674466352909803},{"text":"So at the top of the form, does it say Netwealth advice fee consent renewal?","start":1976.58,"end":1982.225,"sentiment":"neutral","sentiment_score":-0.006353764670590559}],"sentiment":"neutral","sentiment_score":-0.008105580996283713,"channel":0,"num_words":17,"start":1975.22,"end":1982.225},{"sentences":[{"text":"Yes.","start":1982.52,"end":1983.02,"sentiment":"neutral","sentiment_score":-0.010645059868693352},{"text":"Not renewal.","start":1983.0801,"end":1983.8,"sentiment":"neutral","sentiment_score":-0.04617205634713173},{"text":"It says net Netwealth advice fees consent.","start":1983.8,"end":1986.4601,"sentiment":"neutral","sentiment_score":-0.02136509120464325}],"sentiment":"neutral","sentiment_score":-0.025254481099545957,"channel":1,"num_words":10,"start":1982.52,"end":1986.4601},{"sentences":[{"text":"Okay.","start":1988.285,"end":1988.785,"sentiment":"neutral","sentiment_score":-0.01780630461871624},{"text":"I wonder.","start":1992.765,"end":1993.665,"sentiment":"neutral","sentiment_score":-0.04294956289231777},{"text":"So is there a percent fee anywhere on the forms that has been sent to you?","start":1995.58,"end":2001.6799,"sentiment":"neutral","sentiment_score":-0.026487455354072154}],"sentiment":"neutral","sentiment_score":-0.027763406108868748,"channel":0,"num_words":19,"start":1988.285,"end":2001.6799},{"sentences":[{"text":"Percent.","start":2002.2,"end":2002.68,"sentiment":"neutral","sentiment_score":-0.024368353188037872},{"text":"I can't see a percent anywhere.","start":2002.68,"end":2004.38,"sentiment":"neutral","sentiment_score":-0.12576139842470488},{"text":"I just see you'll pay the following ongoing fees from your account from the 09/01/2026.","start":2005.08,"end":2014.695,"sentiment":"neutral","sentiment_score":-0.033324463913838066},{"text":"You'll have a $6 payment amount of $426.28 per month.","start":2014.695,"end":2019.0349,"sentiment":"neutral","sentiment_score":-0.055293092504143715}],"sentiment":"neutral","sentiment_score":-0.05724170710891485,"channel":1,"num_words":32,"start":2002.2,"end":2019.0349},{"sentences":[{"text":"Okay.","start":2020.475,"end":2020.975,"sentiment":"neutral","sentiment_score":-0.07525303214788437},{"text":"I'm looking at I have been given the wrong forms or you have been sent the wrong forms.","start":2021.035,"end":2025.58,"sentiment":"neutral","sentiment_score":-0.3143569777409236},{"text":"Leave that with me to clarify.","start":2025.72,"end":2027.4,"sentiment":"neutral","sentiment_score":-0.2013863523801168}],"sentiment":"neutral","sentiment_score":-0.2776798698306084,"channel":0,"num_words":25,"start":2020.475,"end":2027.4},{"sentences":[{"text":"Okay.","start":2027.095,"end":2027.595,"sentiment":"neutral","sentiment_score":-0.037484437227249146}],"sentiment":"neutral","sentiment_score":-0.037484437227249146,"channel":1,"num_words":1,"start":2027.095,"end":2027.595},{"sentences":[{"text":"Give me one second because I'm gonna jump in and see what is going on here.","start":2027.4,"end":2046.795,"sentiment":"neutral","sentiment_score":-0.02921465376857668},{"text":"Sorry this.","start":2046.855,"end":2047.72,"sentiment":"neutral","sentiment_score":-0.22874368727207184},{"text":"I haven't come across this before.","start":2047.72,"end":2049.3398,"sentiment":"neutral","sentiment_score":-0.2466741700967153},{"text":"I potentially think the wrong form has been uploaded for Nick.","start":2094.355,"end":2100.7002,"sentiment":"negative","sentiment_score":-0.35601586374369537},{"text":"I'm looking at it now because it is different to the one that you have, Lauren.","start":2100.7002,"end":2107.04,"sentiment":"neutral","sentiment_score":-0.19916180055588484}],"sentiment":"neutral","sentiment_score":-0.18642608167640135,"channel":0,"num_words":51,"start":2027.4,"end":2107.04},{"sentences":[{"text":"I think Nick's form is incorrect.","start":2110.3,"end":2111.925,"sentiment":"negative","sentiment_score":-0.37078888714313507},{"text":"So what I'm gonna do is I'll","start":2112.0051,"end":2113.605,"sentiment":"neutral","sentiment_score":-0.10586531247411456}],"sentiment":"neutral","sentiment_score":-0.22813773155212402,"channel":0,"num_words":13,"start":2110.3,"end":2113.605},{"sentences":[{"text":"Mhmm.","start":2113.53,"end":2114.03,"sentiment":"neutral","sentiment_score":-0.050548650324344635}],"sentiment":"neutral","sentiment_score":-0.050548650324344635,"channel":1,"num_words":1,"start":2113.53,"end":2114.03},{"sentences":[{"text":"resend that with the correct form for Nick.","start":2113.605,"end":2116.905,"sentiment":"neutral","sentiment_score":-0.08137112576514482},{"text":"But Nick's will look like yours, Lauren.","start":2117.5251,"end":2119.865,"sentiment":"neutral","sentiment_score":-0.05606688665492194},{"text":"So if you skip to your one, sorry,","start":2120.165,"end":2124.425,"sentiment":"neutral","sentiment_score":-0.06533622136339545}],"sentiment":"neutral","sentiment_score":-0.06809247754838156,"channel":0,"num_words":23,"start":2113.605,"end":2124.425},{"sentences":[{"text":"Yep.","start":2124.73,"end":2125.23,"sentiment":"neutral","sentiment_score":-0.0494244210422039}],"sentiment":"neutral","sentiment_score":-0.0494244210422039,"channel":1,"num_words":1,"start":2124.73,"end":2125.23},{"sentences":[{"text":"as a reference while I'm speaking, because I'll I'll just","start":2125.0452,"end":2127.9,"sentiment":"neutral","sentiment_score":-0.07087857313454152}],"sentiment":"neutral","sentiment_score":-0.07087857313454152,"channel":0,"num_words":10,"start":2125.0452,"end":2127.9},{"sentences":[{"text":"I see the","start":2127.61,"end":2128.09,"sentiment":"neutral","sentiment_score":-0.06824810927112897}],"sentiment":"neutral","sentiment_score":-0.06824810927112897,"channel":1,"num_words":3,"start":2127.61,"end":2128.09},{"sentences":[{"text":"recent.","start":2128.0598,"end":2128.5598,"sentiment":"neutral","sentiment_score":-0.08887656033039093}],"sentiment":"neutral","sentiment_score":-0.08887656033039093,"channel":0,"num_words":1,"start":2128.0598,"end":2128.5598},{"sentences":[{"text":"difference.","start":2128.09,"end":2128.515,"sentiment":"neutral","sentiment_score":-0.07162214815616608},{"text":"Yeah.","start":2129.075,"end":2129.575,"sentiment":"neutral","sentiment_score":0.03367646783590317}],"sentiment":"neutral","sentiment_score":-0.018972840160131454,"channel":1,"num_words":2,"start":2128.09,"end":2129.575},{"sentences":[{"text":"Yeah.","start":2129.42,"end":2129.92,"sentiment":"neutral","sentiment_score":0.05676615983247757},{"text":"Yep.","start":2130.14,"end":2130.5398,"sentiment":"neutral","sentiment_score":0.07287724316120148},{"text":"So, Nick, yours is set at, jump back, $287.91 per month.","start":2130.5398,"end":2140.575,"sentiment":"neutral","sentiment_score":0.05350106954574585}],"sentiment":"neutral","sentiment_score":0.055242705230529494,"channel":0,"num_words":13,"start":2129.42,"end":2140.575},{"sentences":[{"text":"Okay.","start":2140.9949,"end":2141.4949,"sentiment":"neutral","sentiment_score":0.05305454879999161},{"text":"Yeah.","start":2141.875,"end":2142.035,"sentiment":"neutral","sentiment_score":0.05889666825532913},{"text":"Yep.","start":2142.035,"end":2142.535,"sentiment":"neutral","sentiment_score":0.05612406134605408}],"sentiment":"neutral","sentiment_score":0.056025092800458275,"channel":1,"num_words":3,"start":2140.9949,"end":2142.535},{"sentences":[{"text":"And that's but so that will be fixed.","start":2143.775,"end":2146.575,"sentiment":"neutral","sentiment_score":0.005257343640550971},{"text":"So previously, it used to fluctuate the","start":2146.575,"end":2149.615,"sentiment":"neutral","sentiment_score":-0.04080546434436526}],"sentiment":"neutral","sentiment_score":-0.016238633419076602,"channel":0,"num_words":15,"start":2143.775,"end":2149.615},{"sentences":[{"text":"Okay.","start":2149.42,"end":2149.92,"sentiment":"neutral","sentiment_score":-0.017564376816153526}],"sentiment":"neutral","sentiment_score":-0.017564376816153526,"channel":1,"num_words":1,"start":2149.42,"end":2149.92},{"sentences":[{"text":"percent base fee, which is was pretty standard across the advice profession.","start":2149.615,"end":2156.86,"sentiment":"neutral","sentiment_score":0.07288199570029974}],"sentiment":"neutral","sentiment_score":0.07288199570029974,"channel":0,"num_words":12,"start":2149.615,"end":2156.86},{"sentences":[{"text":"Yeah.","start":2157.26,"end":2157.76,"sentiment":"neutral","sentiment_score":0.04287794232368469}],"sentiment":"neutral","sentiment_score":0.04287794232368469,"channel":1,"num_words":1,"start":2157.26,"end":2157.76},{"sentences":[{"text":"But recently, you know, it's our our advice doesn't change based on the performance.","start":2157.4001,"end":2163.98,"sentiment":"neutral","sentiment_score":-0.003211534449032375},{"text":"So if the performance of the portfolio is going well, there's really no reason why we should be paid more","start":2164.04,"end":2170.28,"sentiment":"neutral","sentiment_score":0.03938163025304675}],"sentiment":"neutral","sentiment_score":0.021843268316896522,"channel":0,"num_words":34,"start":2157.4001,"end":2170.28},{"sentences":[{"text":"Yeah.","start":2170.0352,"end":2170.5352,"sentiment":"neutral","sentiment_score":0.03882010281085968}],"sentiment":"neutral","sentiment_score":0.03882010281085968,"channel":1,"num_words":1,"start":2170.0352,"end":2170.5352},{"sentences":[{"text":"as such,","start":2170.28,"end":2170.725,"sentiment":"neutral","sentiment_score":0.033824725076556206}],"sentiment":"neutral","sentiment_score":0.033824725076556206,"channel":0,"num_words":2,"start":2170.28,"end":2170.725},{"sentences":[{"text":"Yeah.","start":2170.675,"end":2171.175,"sentiment":"neutral","sentiment_score":0.07330087572336197}],"sentiment":"neutral","sentiment_score":0.07330087572336197,"channel":1,"num_words":1,"start":2170.675,"end":2171.175},{"sentences":[{"text":"so we fix it because our advice would be based on a fixed fee.","start":2170.8052,"end":2174.3452,"sentiment":"neutral","sentiment_score":0.042965889775327275}],"sentiment":"neutral","sentiment_score":0.042965889775327275,"channel":0,"num_words":14,"start":2170.8052,"end":2174.3452},{"sentences":[{"text":"Okay.","start":2174.59,"end":2174.99,"sentiment":"neutral","sentiment_score":0.08692984282970428},{"text":"Yeah.","start":2174.99,"end":2175.1501,"sentiment":"neutral","sentiment_score":0.15620529651641846},{"text":"Cool.","start":2175.1501,"end":2175.6301,"sentiment":"neutral","sentiment_score":0.323886513710022},{"text":"That makes sense.","start":2175.6301,"end":2176.69,"sentiment":"neutral","sentiment_score":0.30521440505981445}],"sentiment":"neutral","sentiment_score":0.24711081137259802,"channel":1,"num_words":6,"start":2174.59,"end":2176.69},{"sentences":[{"text":"Yeah.","start":2177.2852,"end":2177.7852,"sentiment":"neutral","sentiment_score":0.11733894050121307},{"text":"And, Lauren, yours is the next well, you're already looking at it as a reference, but it's yours is based on $202.41 per month that would be deducted from your hub account.","start":2177.925,"end":2189.9202,"sentiment":"neutral","sentiment_score":0.06145010713953525},{"text":"Any questions about those fees?","start":2193.34,"end":2195.235,"sentiment":"neutral","sentiment_score":0.021518902853131294}],"sentiment":"neutral","sentiment_score":0.05766676008505257,"channel":0,"num_words":38,"start":2177.2852,"end":2195.235},{"sentences":[{"text":"Okay.","start":2195.905,"end":2195.985,"sentiment":"neutral","sentiment_score":-0.0008826982229948044},{"text":"No.","start":2195.985,"end":2196.485,"sentiment":"neutral","sentiment_score":-0.04514693841338158}],"sentiment":"neutral","sentiment_score":-0.02301481831818819,"channel":1,"num_words":2,"start":2195.905,"end":2196.485},{"sentences":[{"text":"No?","start":2197.3152,"end":2197.7952,"sentiment":"neutral","sentiment_score":-0.026964984834194183},{"text":"Okay.","start":2197.7952,"end":2198.2952,"sentiment":"neutral","sentiment_score":0.11803176999092102},{"text":"Beautiful.","start":2198.3552,"end":2198.8552,"sentiment":"positive","sentiment_score":0.37483683228492737},{"text":"So what I'm going to do is please disregard the document that you have.","start":2200.115,"end":2205.2551,"sentiment":"neutral","sentiment_score":-0.08142106963454612},{"text":"I'm","start":2205.395,"end":2205.635,"sentiment":"neutral","sentiment_score":-0.0896347165107727}],"sentiment":"neutral","sentiment_score":-0.04242367077515357,"channel":0,"num_words":18,"start":2197.3152,"end":2205.635},{"sentences":[{"text":"Mhmm.","start":2205.5,"end":2206.0,"sentiment":"neutral","sentiment_score":-0.04892078787088394}],"sentiment":"neutral","sentiment_score":-0.04892078787088394,"channel":1,"num_words":1,"start":2205.5,"end":2206.0},{"sentences":[{"text":"going to resend a new one to you to make sure that you actually have the correct ones.","start":2205.635,"end":2214.4,"sentiment":"neutral","sentiment_score":-0.038626059889793396},{"text":"And if if and when you're comfortable, I'll ask you to sign those and return them.","start":2214.46,"end":2219.68,"sentiment":"neutral","sentiment_score":0.04042588360607624}],"sentiment":"neutral","sentiment_score":-0.0014251453035018023,"channel":0,"num_words":34,"start":2205.635,"end":2219.68},{"sentences":[{"text":"Yes.","start":2220.015,"end":2220.515,"sentiment":"neutral","sentiment_score":0.0987267792224884}],"sentiment":"neutral","sentiment_score":0.0987267792224884,"channel":1,"num_words":1,"start":2220.015,"end":2220.515},{"sentences":[{"text":"I will also send you the email for the estate planning contacts that we use.","start":2221.5,"end":2228.595,"sentiment":"neutral","sentiment_score":0.16239961485068002},{"text":"And, basically, just is there anything else that I could give that you need advice on or you wanna discuss further?","start":2229.455,"end":2237.27,"sentiment":"neutral","sentiment_score":0.12564096670775188}],"sentiment":"neutral","sentiment_score":0.1409570701006386,"channel":0,"num_words":36,"start":2221.5,"end":2237.27},{"sentences":[{"text":"Not really, but just just quickly because this has I have been thinking about and discussing","start":2237.96,"end":2241.925,"sentiment":"neutral","sentiment_score":-0.14590561157092452}],"sentiment":"neutral","sentiment_score":-0.14590561157092452,"channel":1,"num_words":16,"start":2237.96,"end":2241.925},{"sentences":[{"text":"Yep.","start":2241.6501,"end":2242.1501,"sentiment":"neutral","sentiment_score":-0.104383647441864}],"sentiment":"neutral","sentiment_score":-0.104383647441864,"channel":0,"num_words":1,"start":2241.6501,"end":2242.1501},{"sentences":[{"text":"with the Australian been a long thing and how it wasn't","start":2241.985,"end":2244.945,"sentiment":"neutral","sentiment_score":-0.11552408676255833}],"sentiment":"neutral","sentiment_score":-0.11552408676255833,"channel":1,"num_words":11,"start":2241.985,"end":2244.945},{"sentences":[{"text":"Yep.","start":2244.77,"end":2245.27,"sentiment":"neutral","sentiment_score":-0.10491424798965454}],"sentiment":"neutral","sentiment_score":-0.10491424798965454,"channel":0,"num_words":1,"start":2244.77,"end":2245.27},{"sentences":[{"text":"a great year.","start":2244.945,"end":2245.585,"sentiment":"neutral","sentiment_score":0.1558701271812121},{"text":"Because I totally get there's gonna be ups and downs.","start":2245.585,"end":2247.765,"sentiment":"neutral","sentiment_score":-0.14680349454283714},{"text":"And looking at that, you know, the graph that you showed us in the documents here, it does the market obviously do go up and down.","start":2247.825,"end":2254.385,"sentiment":"neutral","sentiment_score":-0.15502453652712014},{"text":"We do have to expect a bad year here and there.","start":2254.385,"end":2256.48,"sentiment":"neutral","sentiment_score":-0.24199847199700095},{"text":"But it doesn't seem like that loss was an overall market effect.","start":2256.56,"end":2260.32,"sentiment":"neutral","sentiment_score":-0.31392837688326836}],"sentiment":"neutral","sentiment_score":-0.18484171335735627,"channel":1,"num_words":62,"start":2244.945,"end":2260.32},{"sentences":[{"text":"It seems like it was a obviously,","start":2260.32,"end":2262.42,"sentiment":"neutral","sentiment_score":-0.19120442973715918}],"sentiment":"neutral","sentiment_score":-0.19120442973715918,"channel":1,"num_words":7,"start":2260.32,"end":2262.42},{"sentences":[{"text":"Yeah.","start":2262.555,"end":2263.055,"sentiment":"neutral","sentiment_score":-0.06454243510961533}],"sentiment":"neutral","sentiment_score":-0.06454243510961533,"channel":0,"num_words":1,"start":2262.555,"end":2263.055},{"sentences":[{"text":"one Yeah.","start":2262.56,"end":2263.6,"sentiment":"neutral","sentiment_score":-0.05737500265240669},{"text":"It's a fund.","start":2263.6,"end":2264.24,"sentiment":"neutral","sentiment_score":-0.0923685481150945}],"sentiment":"neutral","sentiment_score":-0.07837112993001938,"channel":1,"num_words":5,"start":2262.56,"end":2264.24},{"sentences":[{"text":"Yep.","start":2263.9949,"end":2264.4949,"sentiment":"neutral","sentiment_score":-0.06998930871486664}],"sentiment":"neutral","sentiment_score":-0.06998930871486664,"channel":0,"num_words":1,"start":2263.9949,"end":2264.4949},{"sentences":[{"text":"It was it was just a one fund.","start":2264.24,"end":2266.16,"sentiment":"neutral","sentiment_score":-0.14082149229943752},{"text":"And so it's it's","start":2266.16,"end":2268.64,"sentiment":"neutral","sentiment_score":-0.050989205949008465}],"sentiment":"neutral","sentiment_score":-0.1108773968492945,"channel":1,"num_words":12,"start":2264.24,"end":2268.64},{"sentences":[{"text":"Why?","start":2268.48,"end":2268.98,"sentiment":"neutral","sentiment_score":-0.08963030576705933}],"sentiment":"neutral","sentiment_score":-0.08963030576705933,"channel":0,"num_words":1,"start":2268.48,"end":2268.98},{"sentences":[{"text":"obviously it's it's a bit it's a bit disappointing.","start":2268.64,"end":2270.9,"sentiment":"negative","sentiment_score":-0.49757861759927535},{"text":"I'll be and I'm like, whatever.","start":2271.835,"end":2273.115,"sentiment":"negative","sentiment_score":-0.38452263673146564},{"text":"It's not personal, but it's just it's disappointing because it it's such","start":2273.115,"end":2276.0352,"sentiment":"negative","sentiment_score":-0.45115118970473606}],"sentiment":"negative","sentiment_score":-0.4518206538977446,"channel":1,"num_words":27,"start":2268.64,"end":2276.0352},{"sentences":[{"text":"Yes.","start":2276.0798,"end":2276.5798,"sentiment":"neutral","sentiment_score":-0.11464159935712814}],"sentiment":"neutral","sentiment_score":-0.11464159935712814,"channel":0,"num_words":1,"start":2276.0798,"end":2276.5798},{"sentences":[{"text":"you know, we pay we have","start":2276.155,"end":2278.955,"sentiment":"neutral","sentiment_score":0.08365214057266712}],"sentiment":"neutral","sentiment_score":0.08365214057266712,"channel":1,"num_words":6,"start":2276.155,"end":2278.955},{"sentences":[{"text":"Yes.","start":2278.72,"end":2279.22,"sentiment":"neutral","sentiment_score":0.2328517735004425}],"sentiment":"neutral","sentiment_score":0.2328517735004425,"channel":0,"num_words":1,"start":2278.72,"end":2279.22},{"sentences":[{"text":"financial advisers, and we pay fees to ensure","start":2278.955,"end":2281.995,"sentiment":"neutral","sentiment_score":0.17490671016275883}],"sentiment":"neutral","sentiment_score":0.17490671016275883,"channel":1,"num_words":8,"start":2278.955,"end":2281.995},{"sentences":[{"text":"Yeah.","start":2281.875,"end":2282.375,"sentiment":"positive","sentiment_score":0.5484017729759216}],"sentiment":"positive","sentiment_score":0.5484017729759216,"channel":0,"num_words":1,"start":2281.875,"end":2282.375},{"sentences":[{"text":"we get a good return.","start":2281.995,"end":2283.375,"sentiment":"positive","sentiment_score":0.6281875848770142},{"text":"So it it has and to be honest, it has made us question, are we in the right fund?","start":2283.5151,"end":2287.03,"sentiment":"neutral","sentiment_score":-0.12307300497042506},{"text":"Because when we first moved to Netwealth a few years ago, the predictions I I have a document somewhere that was saved, and the prediction for where we would be now, we we haven't met it.","start":2287.03,"end":2301.6902,"sentiment":"neutral","sentiment_score":-0.23551630394326317}],"sentiment":"neutral","sentiment_score":-0.12793393520017465,"channel":1,"num_words":60,"start":2281.995,"end":2301.6902},{"sentences":[{"text":"Yeah.","start":2302.3699,"end":2302.85,"sentiment":"neutral","sentiment_score":-0.06717416644096375},{"text":"Projections.","start":2302.85,"end":2303.35,"sentiment":"neutral","sentiment_score":-0.14269213378429413}],"sentiment":"neutral","sentiment_score":-0.10493315011262894,"channel":0,"num_words":2,"start":2302.3699,"end":2303.35},{"sentences":[{"text":"We're quite","start":2303.155,"end":2303.895,"sentiment":"neutral","sentiment_score":-0.30480000376701355}],"sentiment":"neutral","sentiment_score":-0.30480000376701355,"channel":1,"num_words":2,"start":2303.155,"end":2303.895},{"sentences":[{"text":"Yep.","start":2303.845,"end":2304.345,"sentiment":"neutral","sentiment_score":-0.3062790334224701}],"sentiment":"neutral","sentiment_score":-0.3062790334224701,"channel":0,"num_words":1,"start":2303.845,"end":2304.345},{"sentences":[{"text":"far below where we were","start":2304.115,"end":2306.035,"sentiment":"negative","sentiment_score":-0.356788170337677}],"sentiment":"negative","sentiment_score":-0.356788170337677,"channel":1,"num_words":5,"start":2304.115,"end":2306.035},{"sentences":[{"text":"Yep.","start":2305.845,"end":2306.345,"sentiment":"neutral","sentiment_score":-0.26359784603118896}],"sentiment":"neutral","sentiment_score":-0.26359784603118896,"channel":0,"num_words":1,"start":2305.845,"end":2306.345},{"sentences":[{"text":"projected to be in at this point in time.","start":2306.035,"end":2308.775,"sentiment":"neutral","sentiment_score":-0.23080807593133715},{"text":"So,","start":2309.395,"end":2309.895,"sentiment":"neutral","sentiment_score":-0.16528667509555817}],"sentiment":"neutral","sentiment_score":-0.22425593584775924,"channel":1,"num_words":10,"start":2306.035,"end":2309.895},{"sentences":[{"text":"Mhmm.","start":2309.605,"end":2310.105,"sentiment":"neutral","sentiment_score":-0.11069554835557938}],"sentiment":"neutral","sentiment_score":-0.11069554835557938,"channel":0,"num_words":1,"start":2309.605,"end":2310.105},{"sentences":[{"text":"yeah, I'm just kinda wondering how we're performing as compared to the average fund.","start":2310.275,"end":2315.59,"sentiment":"neutral","sentiment_score":-0.16177582368254662},{"text":"And I know it was just a bad year, and there's nothing you can do about that now.","start":2315.97,"end":2319.83,"sentiment":"negative","sentiment_score":-0.4811067175534036},{"text":"But","start":2320.1301,"end":2320.6301,"sentiment":"neutral","sentiment_score":-0.17939874529838562}],"sentiment":"negative","sentiment_score":-0.33649033917622134,"channel":1,"num_words":33,"start":2310.275,"end":2320.6301},{"sentences":[{"text":"It wasn't necessarily a bad year, and I'm not sure if it was explained how the been along works.","start":2320.14,"end":2326.0598,"sentiment":"neutral","sentiment_score":-0.18434467676438784},{"text":"So to give you some comfort and explanation,","start":2326.0598,"end":2330.0798,"sentiment":"neutral","sentiment_score":0.04339279513806105}],"sentiment":"neutral","sentiment_score":-0.11686690731181039,"channel":0,"num_words":27,"start":2320.14,"end":2330.0798},{"sentences":[{"text":"Yeah.","start":2330.865,"end":2331.365,"sentiment":"neutral","sentiment_score":0.03073134273290634}],"sentiment":"neutral","sentiment_score":0.03073134273290634,"channel":1,"num_words":1,"start":2330.865,"end":2331.365},{"sentences":[{"text":"it wasn't you're correct.","start":2331.18,"end":2332.46,"sentiment":"neutral","sentiment_score":-0.10313723608851433},{"text":"It's not the Australian share market that performed badly at all.","start":2332.46,"end":2335.695,"sentiment":"negative","sentiment_score":-0.4059443013234572},{"text":"It was the investment mandate that Ben along Australian Equities Fund follows.","start":2335.915,"end":2341.455,"sentiment":"neutral","sentiment_score":-0.1568492352962494},{"text":"So their mandate so each investment company and fund has investment manager.","start":2341.515,"end":2349.24,"sentiment":"neutral","sentiment_score":-0.034665110831459366},{"text":"And think of it as a philosophy that they follow, which we call a mandate.","start":2349.7002,"end":2353.8,"sentiment":"neutral","sentiment_score":0.029352695494890214}],"sentiment":"neutral","sentiment_score":-0.1247373700003933,"channel":0,"num_words":54,"start":2331.18,"end":2353.8},{"sentences":[{"text":"Now Venalong's was that they're an active manager, so their purpose is to actively seek growth opportunities.","start":2354.34,"end":2362.36,"sentiment":"neutral","sentiment_score":0.1097419279463151},{"text":"So their that what they are their mandate expects of them is that they seek out companies that they believe are undervalued in the Australian share market with the potential","start":2363.435,"end":2378.55,"sentiment":"neutral","sentiment_score":0.008535726368427277}],"sentiment":"neutral","sentiment_score":0.04514222481149308,"channel":0,"num_words":47,"start":2354.34,"end":2378.55},{"sentences":[{"text":"Mhmm.","start":2380.63,"end":2381.13,"sentiment":"neutral","sentiment_score":0.005687515251338482}],"sentiment":"neutral","sentiment_score":0.005687515251338482,"channel":1,"num_words":1,"start":2380.63,"end":2381.13},{"sentences":[{"text":"resources that have performed in the exchange share market.","start":2391.75,"end":2398.595,"sentiment":"neutral","sentiment_score":-0.012774534109565947},{"text":"So it's not it it's so there's two different types of investment philosophies typically.","start":2399.055,"end":2404.755,"sentiment":"neutral","sentiment_score":-0.10138472143028464},{"text":"There's your active, which have fund managers that have certain mandates that they follow, and then you've got your passive investments, which are they'll track against a certain index.","start":2404.815,"end":2416.77,"sentiment":"neutral","sentiment_score":-0.013738885200743017},{"text":"With a actively managed fund like Benelon, it is you're always gonna have some significant variances because they're not always gonna get it right.","start":2417.3901,"end":2432.065,"sentiment":"neutral","sentiment_score":-0.16653665290990224},{"text":"That's their investment philosophy and belief.","start":2432.125,"end":2434.57,"sentiment":"neutral","sentiment_score":-0.04347521315018336}],"sentiment":"neutral","sentiment_score":-0.07549409178744365,"channel":0,"num_words":82,"start":2391.75,"end":2434.57},{"sentences":[{"text":"And if that if that it does allow for significant growth, but it also does allow for some decent loss and some if if it's not adhered to and the market's reacting or behaving in a different way.","start":2435.03,"end":2454.115,"sentiment":"neutral","sentiment_score":-0.17927167652861067},{"text":"So the last year, yes, it was very bad for Bennelong.","start":2454.815,"end":2459.455,"sentiment":"negative","sentiment_score":-0.5734817575324666},{"text":"It was about a negative 18 nearly 19% return overall for the fund itself.","start":2459.455,"end":2465.1099,"sentiment":"negative","sentiment_score":-0.7037242225238255}],"sentiment":"negative","sentiment_score":-0.3646470183536174,"channel":0,"num_words":63,"start":2435.03,"end":2465.1099},{"sentences":[{"text":"What I thought it was to do with one of the comp one of the things they held in the fund, one of the main companies they held in the fund was completely devalued or wiped out or something along those lines.","start":2465.32,"end":2476.515,"sentiment":"negative","sentiment_score":-0.6755501358281999},{"text":"You know?","start":2477.375,"end":2478.035,"sentiment":"neutral","sentiment_score":-0.24685165286064148}],"sentiment":"negative","sentiment_score":-0.6560638411478563,"channel":1,"num_words":44,"start":2465.32,"end":2478.035},{"sentences":[{"text":"It's more so the manager, you know, probably not wrong.","start":2479.985,"end":2484.705,"sentiment":"negative","sentiment_score":-0.3340178459882736},{"text":"I'd say it's it's a systemic theme.","start":2484.705,"end":2489.2998,"sentiment":"neutral","sentiment_score":-0.24912227264472417},{"text":"It's not necessarily one bad decision.","start":2489.44,"end":2493.46,"sentiment":"neutral","sentiment_score":-0.25270750373601913},{"text":"It's the it's the mandate that they follow.","start":2494.0,"end":2496.5598,"sentiment":"neutral","sentiment_score":-0.10500160232186317},{"text":"So if we have a look I'm just jumping in.","start":2496.5598,"end":2499.1199,"sentiment":"neutral","sentiment_score":-0.09559385441243648}],"sentiment":"neutral","sentiment_score":-0.20478611593929733,"channel":0,"num_words":41,"start":2479.985,"end":2499.1199},{"sentences":[{"text":"I'm gonna give you a little bit more information.","start":2499.1199,"end":2503.035,"sentiment":"neutral","sentiment_score":-0.00784830293721623},{"text":"To go back a little bit.","start":2518.39,"end":2519.75,"sentiment":"neutral","sentiment_score":-0.03234543899695078},{"text":"Let me get some information together you for you before that.","start":2519.75,"end":2522.63,"sentiment":"neutral","sentiment_score":-0.008892694826830517},{"text":"But if we look and I can email that through.","start":2522.63,"end":2525.77,"sentiment":"neutral","sentiment_score":-0.032233075425028804},{"text":"But if we look at the last twelve months, you're looking at nearly a negative 19% return as an overall for the actual Bennelong Australian Equities Fund over a ten year return.","start":2525.99,"end":2537.295,"sentiment":"negative","sentiment_score":-0.38330128276720643}],"sentiment":"neutral","sentiment_score":-0.19044851185753942,"channel":0,"num_words":68,"start":2499.1199,"end":2537.295},{"sentences":[{"text":"So we look long term.","start":2538.1548,"end":2539.355,"sentiment":"neutral","sentiment_score":-0.20066558420658112},{"text":"We don't as well.","start":2539.355,"end":2540.575,"sentiment":"negative","sentiment_score":-0.3854576274752617}],"sentiment":"neutral","sentiment_score":-0.28279538121488357,"channel":0,"num_words":9,"start":2538.1548,"end":2540.575},{"sentences":[{"text":"Mhmm.","start":2540.885,"end":2541.385,"sentiment":"neutral","sentiment_score":-0.1625402420759201}],"sentiment":"neutral","sentiment_score":-0.1625402420759201,"channel":1,"num_words":1,"start":2540.885,"end":2541.385},{"sentences":[{"text":"Short term is, you know, we can't always look back.","start":2541.115,"end":2544.095,"sentiment":"neutral","sentiment_score":-0.2274918645620346},{"text":"But, you know, you're looking at about a 6% return.","start":2545.115,"end":2548.52,"sentiment":"neutral","sentiment_score":-0.2612989142537117},{"text":"So you are gonna have very negative returns.","start":2548.74,"end":2552.04,"sentiment":"negative","sentiment_score":-0.49136361479759216},{"text":"The Bennelong has had a negative pretty negative consistent return for probably the last twelve to eighteen 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to","start":2582.25,"end":2589.55,"sentiment":"negative","sentiment_score":-0.49301022477447987}],"sentiment":"negative","sentiment_score":-0.49301022477447987,"channel":0,"num_words":16,"start":2582.25,"end":2589.55},{"sentences":[{"text":"Right.","start":2589.5752,"end":2590.0752,"sentiment":"neutral","sentiment_score":-0.22641584277153015}],"sentiment":"neutral","sentiment_score":-0.22641584277153015,"channel":1,"num_words":1,"start":2589.5752,"end":2590.0752},{"sentences":[{"text":"to act.","start":2590.25,"end":2591.15,"sentiment":"neutral","sentiment_score":-0.16181957721710205},{"text":"It's going to but with the Benelon, for example, that's not how we would expect it to act for a long period of 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okay.","start":2635.09,"end":2642.13,"sentiment":"neutral","sentiment_score":-0.18160422003039947},{"text":"Get everybody out of there","start":2642.13,"end":2643.59,"sentiment":"neutral","sentiment_score":-0.204600590467453}],"sentiment":"neutral","sentiment_score":-0.07858037504860584,"channel":0,"num_words":68,"start":2623.695,"end":2643.59},{"sentences":[{"text":"Yeah.","start":2644.37,"end":2644.87,"sentiment":"neutral","sentiment_score":-0.15993279218673706}],"sentiment":"neutral","sentiment_score":-0.15993279218673706,"channel":1,"num_words":1,"start":2644.37,"end":2644.87},{"sentences":[{"text":"because that's just a that's a reaction to a negative return.","start":2644.77,"end":2650.585,"sentiment":"negative","sentiment_score":-0.3795946633273905},{"text":"We aren't following our investment philosophy and making sure that we're not doing doing our due diligence, essentially.","start":2650.965,"end":2659.225,"sentiment":"negative","sentiment_score":-0.3605177071359422}],"sentiment":"negative","sentiment_score":-0.3677537939671812,"channel":0,"num_words":29,"start":2644.77,"end":2659.225},{"sentences":[{"text":"Yeah.","start":2659.0452,"end":2659.5452,"sentiment":"neutral","sentiment_score":-0.12380461394786836}],"sentiment":"neutral","sentiment_score":-0.12380461394786836,"channel":1,"num_words":1,"start":2659.0452,"end":2659.5452},{"sentences":[{"text":"But when it becomes a systemic issue, that's when it's our job to go, no.","start":2659.98,"end":2664.32,"sentiment":"neutral","sentiment_score":-0.19487135708332062},{"text":"We've gotta do further investigation here and look at alternatives, what's the actual problem, what's happening, and so on.","start":2664.38,"end":2675.7048,"sentiment":"neutral","sentiment_score":-0.28583581039780065},{"text":"So it's never gonna be 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They discuss retirement plans, savings, travel plans, and retirement protection. The speakers also provide insight into risk profiles and recommend maximum income for high-growth portfolios. They emphasize the importance of projections and projections to avoid inflated expectations at retirement and offer a follow-up email and a call with a mortgage broker."},"intents":{"segments":[{"text":"The majority of it would be it's more so just the employment income and assets and data assets and liability details that I'd like to run through.","start_word":307,"end_word":333,"intents":[{"intent":"Schedule meetings","confidence_score":0.000006633733}]},{"text":"My salary's changed a bit. So yeah.","start_word":383,"end_word":389,"intents":[{"intent":"Update salary and salary","confidence_score":0.04665661},{"intent":"Update salary and salary","confidence_score":0.079565376}]},{"text":"And you're employed full time? 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Mhmm.","start_word":1990,"end_word":2018,"intents":[{"intent":"Resolve income issues","confidence_score":0.0031690788}]},{"text":"No?","start_word":2632,"end_word":2632,"intents":[{"intent":"Clarify misunderstanding","confidence_score":0.00008853498}]},{"text":"And the funds are tax free, and they're paid out of your personal cash flow, though. They're unable to be paid through super.","start_word":2672,"end_word":2694,"intents":[{"intent":"Review fund performance","confidence_score":0.011351807}]},{"text":"And when I go through the risk profile with you in a moment, I think I'll better be able to frame it a little bit better for you. But Cool. the rest of your portfolio also, we're pretty happy with.","start_word":3305,"end_word":3344,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.029083792}]},{"text":"I can definitely get you a fee report. That's easy.","start_word":3482,"end_word":3491,"intents":[{"intent":"Get portfolio financial report","confidence_score":0.000008961876}]},{"text":"So overall, yours did 5.27%. Exact same explanation as Nick's.","start_word":3702,"end_word":3711,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.35667622}]},{"text":"They're more income producing and designed to decrease the risk to a certain degree within your portfolio just to try and balance it out as much as possible. Yep.","start_word":4066,"end_word":4094,"intents":[{"intent":"Educate about portfolio features","confidence_score":0.00024786906}]},{"text":"The next document is our financial services guide, a legal document that we need to provide to all clients. It just explains who we are, Yep. that we are licensed with ASIC, the types of advice we can provide and how we do so, a guideline of fees, and then also our complaints process and the the avenues that you can take if you're unhappy with any of the services that we provide to Yep. you.","start_word":4474,"end_word":4549,"intents":[{"intent":"Provide legal documents","confidence_score":0.028947815}]},{"text":"not The next one we have is option to provide tax file number. okay. Alright.","start_word":4575,"end_word":4589,"intents":[{"intent":"Provide tax filing numbers","confidence_score":1.9646411e-7}]},{"text":"So the tax file number should be for yourself, Nick. Yep. It's just we wouldn't we'd have one on file already for you, Lauren. Okay. It's just confirming that you're aware and you're okay for us to hold your tax file number on file.","start_word":4615,"end_word":4658,"intents":[{"intent":"Hold tax file number","confidence_score":0.018691916}]},{"text":"It's just confirming that you're aware and you're okay for us to hold your tax file number on file.","start_word":4640,"end_word":4658,"intents":[{"intent":"Confirm understanding","confidence_score":0.03950549}]},{"text":"We've changed our fee structure to be more transparent and set for clients.","start_word":4774,"end_word":4786,"intents":[{"intent":"Clarify fee structure","confidence_score":0.24965769}]},{"text":"I don't see $2.87.","start_word":4841,"end_word":4844,"intents":[{"intent":"Fix fee discrepancies","confidence_score":0.0004224038}]},{"text":"But recently, you know, it's our our advice doesn't change based on the performance. So if the performance of the portfolio is going well, there's really no reason why we should be paid more Yeah.","start_word":5130,"end_word":5164,"intents":[{"intent":"Resolve portfolio performance","confidence_score":0.011308135}]},{"text":"And if that if that it does allow for significant growth, but it also does allow for some decent loss and some if if it's not adhered to and the market's reacting or behaving in a different way.","start_word":5808,"end_word":5845,"intents":[{"intent":"Analyze fund performance","confidence_score":0.58457184}]},{"text":"It's going to but with the Benelon, for example, that's not how we would expect it to act for a long period of time. Okay.","start_word":6140,"end_word":6164,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.28221637}]},{"text":"The reason Yeah.","start_word":6538,"end_word":6540,"intents":[{"intent":"Address projection preferences","confidence_score":0.026612317}]},{"text":"I think I'm pretty sure we got his number from you. It's just the mortgage broker that you recommended to us, but I was just saying if you you still if you still recommended him.","start_word":7173,"end_word":7207,"intents":[{"intent":"Receive referral","confidence_score":0.0019732262}]},{"text":"I think the guys that we met with actually this week, I think that that definitely be able to help you. I can do an introduction email if you like, and you can just reach out. They can reach out to you, and you can make an appointment whenever or Yeah.","start_word":7372,"end_word":7422,"intents":[{"intent":"Make appointment","confidence_score":0.053748082},{"intent":"Provide consultation","confidence_score":0.013025199}]}]},"sentiments":{"segments":[{"text":"Hello. Lauren speaking. Hi, Lauren. It's Jenna here phoning from Oakview Financial. How are you? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.19519485533237457},{"text":"Well, thank you. Thank you for calling.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.5247707962989807},{"text":"Sorry.","start_word":23,"end_word":23,"sentiment":"neutral","sentiment_score":-0.1779501587152481},{"text":"My husband and I were expecting.","start_word":24,"end_word":29,"sentiment":"negative","sentiment_score":-0.3355497717857361},{"text":"I I think he just said he missed your call. Sorry. Yeah. He did. That's alright. Okay. Just just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. Yeah. Sure.","start_word":30,"end_word":76,"sentiment":"neutral","sentiment_score":-0.04496119916439056},{"text":"Beautiful.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.43845802545547485},{"text":"And, Lauren, I just need to ID you. Can you please confirm your full name, date of birth, and Yeah. Lauren Jane Ashton, 03/28/1985, and 12 Healy Court, Matruba. address? Fantastic. And is Nick with you Yes. at the moment? Nikki, you available, Nikki? Yeah. Yeah. One second. Sorry. I think he's just finishing up in in a meeting, Absolutely Turning his computer fine. off. Yeah. Absolutely One sec. fine. And did you need him to verify himself as well? I do. Yes. Hi there. Hey. Hello? Hello. Hi. Nick, just need you to confirm your full name, date of birth, and address, please. Yeah. Sure. Nicholas William Ashton. 07/27/1980. 12 Healy Court, Mantra Bar 4213.","start_word":78,"end_word":193,"sentiment":"neutral","sentiment_score":0.02765873447060585},{"text":"Wonderful. Thank you both so much for doing that. How's your day been so far?","start_word":194,"end_word":208,"sentiment":"positive","sentiment_score":0.5567879676818848},{"text":"Yeah.","start_word":209,"end_word":209,"sentiment":"neutral","sentiment_score":0.289115846157074},{"text":"Good. Thank you.","start_word":210,"end_word":212,"sentiment":"positive","sentiment_score":0.3979875147342682},{"text":"Yeah.","start_word":213,"end_word":213,"sentiment":"neutral","sentiment_score":0.3185749053955078},{"text":"Good.","start_word":214,"end_word":214,"sentiment":"positive","sentiment_score":0.3372870087623596},{"text":"Yeah. Friday. Just, yeah, finishing up work and then kids all weekend. So yeah. Yep. Yep. I I can I can Can't relate. relate? So what we're going to do this morning, if that's, like oh, this afternoon, Mhmm. Nelly now, is just run through your review. We have sorry. I just lost my train of thought. I just what I would like to do, first of all, is run through your personal and financial information that we have on file just to make sure it's up to date and current. The majority of it would be it's more so just the employment income and assets and data assets and liability details that I'd like to run through. Nick, first of all, I have you down over direct as a director of strategic partners. Is that still correct? I've I've just started a new job, actually, Yes? as in sort of five, six weeks ago. Yeah. So so super new. So, yeah, my similar title, similar thing. Yeah. My salary's changed a bit. So yeah. We we can update it, but if you if you need. Yes, please. So it's the same title? What's Okay. my title? Global. Yeah. Just just put partner director. It's fine. Partner director. Okay. And who is your new employer? HumanForce, so just h u m a n f o r c e.","start_word":215,"end_word":442,"sentiment":"neutral","sentiment_score":0.019097174182861},{"text":"Beautiful. Thank you.","start_word":443,"end_word":445,"sentiment":"positive","sentiment_score":0.4974391162395478},{"text":"And you're employed full time? Yes. How many hours per week? Well, I think the, you know, like, the standard, whatever that is Yep. Forty. By contract 40 or something. I mean, put on there. Yeah. Okay.","start_word":446,"end_word":482,"sentiment":"neutral","sentiment_score":0.03283519297838211},{"text":"Beautiful. Fantastic.","start_word":483,"end_word":484,"sentiment":"positive","sentiment_score":0.5503772497177124},{"text":"And your you said your income's changed a bit. Yeah. What is that now? Well, I have a basic salary of $2.20 and Yep. then soup super on top of that, and I have a an OTE as well of $3.67 for that CR Yep. bonus and and all that stuff. Okay.","start_word":485,"end_word":536,"sentiment":"neutral","sentiment_score":0.07116278260946274},{"text":"Beautiful.","start_word":537,"end_word":537,"sentiment":"positive","sentiment_score":0.4267949163913727},{"text":"And we have I'll jump back to that in a second, Lauren. I'll just run over yours first. Mhmm. We have you down as a sales rep for medical devices and sales. Yep. Yep. That's right.","start_word":538,"end_word":573,"sentiment":"neutral","sentiment_score":0.06508167833089828},{"text":"Fantastic.","start_word":574,"end_word":574,"sentiment":"positive","sentiment_score":0.3418867588043213},{"text":"And your employer is AMBU? Yep. Full time still. Full time. Yep. And standard hours. Yes. Standard Yeah. hours. How many years have you been with them for? Six in six years in January.","start_word":575,"end_word":608,"sentiment":"neutral","sentiment_score":0.03918049857020378},{"text":"Beautiful.","start_word":609,"end_word":609,"sentiment":"positive","sentiment_score":0.431447297334671},{"text":"And your income, we have at a 118,000 with a potential bonus of 20 to 25% on top of that. Yeah. It's now it's I mean, it's not much increase, but it's now a one two one or close to one two two. Yep.","start_word":610,"end_word":653,"sentiment":"neutral","sentiment_score":0.17723395031961528},{"text":"And, you're saying 25% of on target earnings, but with, ramping as well. So this year, it'll be a good one. Okay. Beautiful.","start_word":654,"end_word":676,"sentiment":"positive","sentiment_score":0.4680035710334778},{"text":"We have both the household expenditure of $3,500 a week. Would that still be correct? I don't think anything's changed. Just because I'm Yeah. The school fees and everything else, I don't think it's changed significantly. Okay. And does that include mortgage or No. no? No, actually. No. I think Yeah. Probably Nope. we're cut. Yeah. Mortgage payments to the same and Yep. And touch less on there. I don't know. Yeah. They are less because we're remortgage, but yeah. Yep. So the mortgage repayments are in dish addition to the three and a half. No. I think let's include them. Includes it? Oh, Yeah. beautiful. Alright. Yeah. Nothing's nothing's changed significantly so far as our outgoing since we've we've last done this yet. Okay. And what about savings? Are you are you We can't do you wanna know how much savings you currently have? yes. And if you're doing any regular savings per week. So, no, there's not intended regular savings. We just put in whatever's left. So Yep. we have about 80 in our savings at the moment, and they'll they'll go up, and then they'll just go down again with school Yep. fees and all the rest, up and down, up Okay. and down. Yeah. We've got a few bits Okay. for the house and everything else. Yeah. We've put down yeah. It's yeah.","start_word":677,"end_word":903,"sentiment":"neutral","sentiment_score":-0.03214854747056961},{"text":"Beautiful. Fantastic.","start_word":904,"end_word":905,"sentiment":"positive","sentiment_score":0.5085436105728149},{"text":"And assets wise, we have your house valued at about 1.5. Would that be correct? It's close to 1.6. Yep. Okay. 1.6 And plus. Yep. a debt of $5.17? Let's so I can quickly tell you what the debt is. One second. So I'll just log Okay. in on the house only on the mortgage. Yeah. The mortgage we are owing currently is taking out the savings. If it's with the 80 k set aside and not included in the offset, it's $62.07. Mhmm. $62.07. Alright.","start_word":906,"end_word":991,"sentiment":"neutral","sentiment_score":0.024209494940763295},{"text":"Beautiful.","start_word":992,"end_word":992,"sentiment":"positive","sentiment_score":0.47298139333724976},{"text":"And we have two cars valued at $1.50 with a debt of 100. Is that still right? That is the debt's now 80 Eighty.","start_word":993,"end_word":1016,"sentiment":"neutral","sentiment_score":0.07379366457462311},{"text":"Beautiful.","start_word":1017,"end_word":1017,"sentiment":"positive","sentiment_score":0.45355167984962463},{"text":"And we have some guitars noted as $10,000. ish. Yep. Thousand? Yeah. Still the case. Yep. And shares Nick, you had some work shares. Given your employment's changed, has that changed? Yeah. No. Not really. I I think I cashed out a bit before I had left. And, yeah, I just yeah. I couldn't cash them all out because they're whatchamacallit? There's you know, that you have to wait for them to invest, and they hadn't, and I and I resigned. So yeah. Yeah. Okay. But Alright. nothing nothing really new on the So you've so we had them valued at 30,000. Would they still be valued at that? share thing, though. I think yeah. Yeah. When when was the last time we did this? Your share? Yeah. What about your let's say, p shares? Yeah. Yeah. So if you cashed them out, you won't have any you won't have any left. No. They're gone. If you cashed them out, you cashed them out. Otherwise, they're gone. No. No. They're gone. Yeah. Yeah. Yep. Okay.","start_word":1018,"end_word":1192,"sentiment":"neutral","sentiment_score":-0.07298191636800766},{"text":"Beautiful. Fantastic.","start_word":1193,"end_word":1194,"sentiment":"positive","sentiment_score":0.35281363129615784},{"text":"And just we also have with your estate planning that you don't have wills and powers of attorney. It was on your to do list. Have Oh, you yeah. managed That's to get around to no. that? We're still definitely on our to do list, like and I have your con the contact details with you recommended. But if you could send them over again, that'd be brilliant because we do need I to do can do that. that. Yeah. We've I been can talking definitely. about it. We need to do it.","start_word":1195,"end_word":1287,"sentiment":"neutral","sentiment_score":0.11496426373399714},{"text":"Thank you.","start_word":1288,"end_word":1289,"sentiment":"positive","sentiment_score":0.47067368030548096},{"text":"We just can't find anyone that wants to take our children in the event that we have to move back here. That's not true. But I guess. Alright.","start_word":1290,"end_word":1317,"sentiment":"neutral","sentiment_score":-0.19715918600559235},{"text":"Beautiful. So with your goals and objectives, I believe they're very similar.","start_word":1318,"end_word":1329,"sentiment":"positive","sentiment_score":0.40413859486579895},{"text":"I'm just gonna bring up both just to run through them at the same time to try and respect your time. But your one of your main focuses was to pay down the mortgage as much as possible. Is that Mhmm. still Yep. correct? Correct.","start_word":1330,"end_word":1374,"sentiment":"neutral","sentiment_score":0.22356665134429932},{"text":"Continue to do yearly overseas trips with your family. Definitely.","start_word":1375,"end_word":1384,"sentiment":"positive","sentiment_score":0.36774617433547974},{"text":"Yep. Yeah. You may look at buying an investment property down the track. We almost did and pulled the plug at the last minute this year. So, definitely, we changed our mind on that after everything's changed. Yes. We went through it to refinance, and, yeah, we were about to do it. And then, obviously, with all the changes and yeah. Yes. It's a with CGT and Yeah. So Yeah. no. Negative gearing and so on. Yeah. We just parked it. So Alright. we had the Perfect. voltage of And I don't I don't think we even wanna do in the future now. It feels like too. At the moment. Yeah. Yeah. Alright.","start_word":1385,"end_word":1497,"sentiment":"neutral","sentiment_score":0.04395544156432152},{"text":"Brilliant.","start_word":1498,"end_word":1498,"sentiment":"positive","sentiment_score":0.37150710821151733},{"text":"And we had also looking at some salary sacrificing when you have a bit more disposable cash. Looking Yeah. at your income, Nick, I don't think that's gonna be actually beneficial for you from a tax perspective, to be honest with you. Yeah. Okay. I can run some figures anyway just because I think you'd be nearly close to exceeding the concessional cap anyway, but I'll still Okay. look into it if you would like me to. But, Lauren, if you're comfortable if you're still wanting to do that, your income is you would have some move move movement in your cap to be able to do that if you wanted to. Maybe in the future. For now, we kinda want the income coming in to handle expenses and all the rest. Yep. I totally understand that. Okay.","start_word":1499,"end_word":1636,"sentiment":"neutral","sentiment_score":0.02747177518904209},{"text":"Beautiful.","start_word":1637,"end_word":1637,"sentiment":"positive","sentiment_score":0.5215132832527161},{"text":"Previously, we well, at the moment, we have you both invested as high growth investors. Basically, what that means is that in your portfolio, you would have typically a 90% allocation to growth assets and a 10% allocation to defensive assets. And I can run through what those are in a a little bit more detail shortly. But what you could expect to return in a high growth portfolio is between eight to 10% with that's gross of fees and with every one in five years potentially being a negative return. I'm so The sorry. variation Can you sorry. Could you just repeat that again? So sorry. I was just yep. just so No. I understand You're absolutely that.","start_word":1638,"end_word":1756,"sentiment":"neutral","sentiment_score":-0.10759742558002472},{"text":"you're absolutely fine.","start_word":1757,"end_word":1759,"sentiment":"positive","sentiment_score":0.3333105146884918},{"text":"What I might do is actually explain it when we go through the review pack Okay. because it's easier when it's easier for me to explain when there's a Mhmm. Yeah. Okay. visual. Do you both have access to or does one of you have access to your emails at the moment? Yeah. I'm sitting in front of my computer. Yeah.","start_word":1760,"end_word":1820,"sentiment":"neutral","sentiment_score":0.02425719797611237},{"text":"Beautiful.","start_word":1821,"end_word":1821,"sentiment":"positive","sentiment_score":0.41153448820114136},{"text":"So what I'm gonna do is I'm hitting send on an email at the moment. It's gonna come through as Odoo sign. Now that's for me. It is your review pack, Mhmm. and you Yeah. don't have to sign anything at at the moment. It's if you just hit sign, it will open up a very some some documents that we're gonna run through, and I can run through that risk profile conversation, in a with a little bit more detail and explanation. Yep. Cool. It's open in front of us.","start_word":1822,"end_word":1912,"sentiment":"neutral","sentiment_score":0.11182905733585358},{"text":"Beautiful. So I am absolutely hoping they're in the right order.","start_word":1913,"end_word":1923,"sentiment":"positive","sentiment_score":0.4392152726650238},{"text":"So the first document, is this a summary of your insurance and supers for Nick or yourself, Lauren? Yeah. We can see. It's the we can see. Yep. Yep. Yep. Beautiful. Okay. So, Nick, you we have your with Netwealth. The balance is 314,312. We have your life and insurance with Cal as well as your income protection. Your life and TPD is 2.1 approximately. So in the event of death or total of permanent disablement, that's what will be paid out. And your Yep. income protection covers you for $11,713 per month. Mhmm. In income protection's capped at 70% of your income. Yeah. So based Okay. on, yeah, so based on the that sum insured, would that continue to meet your monthly or as close as Yeah. possible? Because it's never I gonna fully. I mean, that's yeah. That's sorta I think my pay code now is yeah. With my basic salary is that so I think, yeah, that's that's fine. Yeah. I mean, I I don't think it needs to be any we don't need to make any changes there, do we not? I don't think so. It's up to I mean, No. I thought I wasn't sure if because his salary has increased significantly if anything needs to be changed on any of their life, TPD, or income protection. But we'll take a look. I think I've gotta work out if they're gonna pay me my bonus. Yeah. They're working me pretty hard, so I hope so. But, yeah, I mean, you know, that's that's obviously the the the the major difference, right, with the the OT and everything. Yeah. But So it's just very with early. the income protection, they usually look at your base income Eight. for being two Yeah. 20. Okay. Yeah. Yeah. So your sum insured is 11,713. Based on 02/20, you could increase it to 12,833 being the 70%. But in saying that, there are sometimes some special considerations that insurance companies will look at based on using a certain amount of your bonus. Yeah. But we would need to wait till you're in a position to show that either through Yeah. a payslip or a tax return Yes. I think before for the we time being, it's fine. Yeah. Yep. Okay. So the life and TPD, basically, what you'd want that to cover is repayment of debt, funds for Lauren and the kids to you know, it might be for education purposes. It Yeah. might be for Lauren to take a little bit of time off work or return to work on a part time basis. Just give that flexibility in the event that that happens. Mhmm. Go. So if there's any changes if you think that needs any changes, that is typically what we look at when we look at the recommended sums insured. K. The next document is for yourself, Lauren. You're with Netwealth also. Your balance is sitting at about $220,807, and your insurance is with Nios. And your life and TPD, some insured is less than next sitting at about Mhmm. 1,500,000. Mhmm. And, yeah, again, designed to repay debt, allow some funds for Nick. And I'm based on some of the other previous advice documents I was able to have a look at, Yours your sum insured is a little bit less based on the fact that Nick would likely return to work that needs some sort of assistance with childcare and those types of things. Sure. Yeah. Do you suppose think that that's current, or would you like to look at Yeah. reviewing that? That's re no. That's reasonable. Yep. And for you, Lauren, we've got your income protection sum insured at 7,121 per month. Mhmm. So that's it. Oh, you did? Sorry. One second. Pretty no. You're absolutely Yes. fine. Yeah. You're Yeah. pretty Sorry. much I thought I lost you. no. You're fine. Your income protection sub insured sitting perfectly based on your income, Mhmm. so we wouldn't be able to get any more for you.","start_word":1924,"end_word":2596,"sentiment":"neutral","sentiment_score":0.024779196518624164},{"text":"But, yeah, that's sitting perfect.","start_word":2597,"end_word":2601,"sentiment":"positive","sentiment_score":0.4646265208721161},{"text":"The only thing missing, I'm not sure if it's I'm sure it would have been explained to you before, is trauma insurance. Do you both recall what that is? No. No? What Okay. was that for? For my insurance. Very brief overview. It is a lump sum benefit that's paid if you're diagnosed with a specific insurable illness, and they range from cancers, heart attack, stroke, neurological diseases. Okay. And the funds are tax free, and they're paid out of your personal cash flow, though. They're unable to be paid through super. And the it's kind of a stopgap between the income protection and the PPD depending on the event that you're diagnosed with. So So it's just designed to provide some financial stability during a period of uncertainty. You don't have it. I just need to make you aware of it and see whether it's something that you do wanna look at. Oh, we don't have it. We don't You have don't trauma. have trauma insurance. No. Okay. No worries. That's fine. We'll I will have a chat, and we'll look into it. Okay. Do you want it? I can send Okay. I think, yeah, I think we're okay. Yeah. That's all yep.","start_word":2602,"end_word":2805,"sentiment":"neutral","sentiment_score":-0.02928235487300245},{"text":"good. Thank you.","start_word":2806,"end_word":2808,"sentiment":"positive","sentiment_score":0.4348784387111664},{"text":"Work at the Okay. moment there.","start_word":2809,"end_word":2814,"sentiment":"neutral","sentiment_score":0.19786445796489716},{"text":"Beautiful.","start_word":2815,"end_word":2815,"sentiment":"positive","sentiment_score":0.4071553349494934},{"text":"The next document is your performance report. So the first one is for should be for Nick. You will recall probably earlier this year that you received an advice document to remove you out of the Bennelong Australian Equities Yes. Fund Email. due to underperformance. Yes. I've been watching that spot. Yep. Yep. It's gone and been replaced, and it you can see your portfolio is starting to recover. So nettle fees, Nick, yours is bouncing back to 5.38%. So So where we so where on this document are we looking? Because it's quite a lot going on. I'm not sure we where. are does it say asset performance detail at the top? Yep. That's the right one. Yep. Total. Bottom, yep, bottom right hand corner, total portfolio net of fees and costs, Oh, the I see. return Yep. is Yep. 5.38. So in a high growth portfolio, what we would typically see is an expected annual return of between eight to 10%, but that's grosser fees, not net. Mhmm. So given that we had been along in the portfolio within the past twelve months and its performance was below par, it's not a bad return. It's not where we would typically like to see it, but it's not a negative return at least. But the twelve months coming, we would expect to see, you know, even with volatility, What a what little was bit the of a higher overall loss of that one? Sorry, Jenna. Just looking at my one. I'm not the twelve months, yeah. there It says was for no the Benelon. loss. Yeah. Oh, Oh, for no. Benelon? No. But sorry. Just just the impact of the the Benelon Yep. So if you look in that return column, the the left Fund. hand far Minus left hand six. Yeah. in So it's about yep. 9,000 Yep. dollars, was it? That was just Yes. yeah. Yep. Okay. That was lost in Yeah. growth from that port from that Okay. fund. Yeah. But you can see also that the beta Australian shares has picked that up to Yeah. offset it Oh, over yeah. the long term. And we've also had some movement in the gold the gold asset held above. So gold Okay. will react depending on different in different factors and environments that are occurring globally. It's one of those ones that doesn't sit stagnant, and it's not very consistent. It will have a lot of movement up and down. Yeah. So that's something that we do see in there as a great a great asset to hold, but, yeah, you will see volatility with Yeah. Okay. Cool. it. The Yeah. rest Look. of I your mean, it is what it is. Yep. It's, yeah, disappointing, but it, you know, it it's Yeah. at least, yeah, it's not in negative. And, Yeah. yeah, we're not retiring Yeah. anytime soon, so it's not not No. yeah. No. And when I go through the risk profile with you in a moment, I think I'll better be able to frame it a little bit better for you.","start_word":2816,"end_word":3332,"sentiment":"neutral","sentiment_score":-0.0038538000094244977},{"text":"But Cool. the rest of your portfolio also, we're pretty happy with.","start_word":3333,"end_word":3344,"sentiment":"positive","sentiment_score":0.621954619884491},{"text":"You've got your global security exposure, which has performed very well in the last twelve months due to lots of different reasons in the cybersecurity space. Yeah. But you've also got exposure to different economies across your portfolio as well, which provides you with that not just US market exposure, but you've got some Europe, some Japan exposure, which gives you diversification across your global economies, Yeah.","start_word":3345,"end_word":3411,"sentiment":"neutral","sentiment_score":0.26908740401268005},{"text":"Cool.","start_word":3412,"end_word":3412,"sentiment":"positive","sentiment_score":0.3751451373100281},{"text":"which will Okay. all act differently. Lauren, yours is the next one. So Yeah. yours So is yes. I was in the on this on next one here, there's no I see the total portfolio net of fees, cost, and rebates. Does it have a total for the fees and cost and rebates here? Can I see a total there or sorry? no? Hang on. Give me one second. I can definitely get you a fee report. That's easy. This is just a performance report, but Oh, I sure. can give Okay. you a fee report. Oh, that's That's alright. I was just wondering if that very was in there, but that's okay. no. I can absolutely generate it. That's absolutely fine if you like me to, and I can send that through post Yeah.","start_word":3413,"end_word":3547,"sentiment":"neutral","sentiment_score":0.0671314224600792},{"text":"That'd be great.","start_word":3548,"end_word":3550,"sentiment":"positive","sentiment_score":0.4325069785118103},{"text":"I was just interested in just seeing considering it wasn't a great year how much actually paid the in fees in terms of how much we meeting. actually Yep. Yep. got out of Yep. it. Yeah. So your fees will be broken down in a couple of different ones. You've got your platform well, your Netwealth admin fees, which is the platform. You'll have your underlying investment fees. So they're the fit they're the investment fees that the managers charge for each of those investment funds that you hold or investment allocations that you hold in there, and then there'll be our advice fee. Allocations that you hold in there, and then there'll be our advice fee. Mhmm. Okay. So Cool. there's Yep. three different tiers. So I'll get that generated for you as well. Cool. Lauren, yours is the next portfolio performance. So, overall, yours did 5.5. So portfolio performance. So overall, yours did 5.27%. Exact same explanation as Nick's. Your portfolios Mhmm. are mirrors of each other. They're the same because of your risk profile. And, yeah, we will continue to keep an eye on it. At this point in time, we're not looking at any red flags to look at replacing like we did previously with.","start_word":3551,"end_word":3759,"sentiment":"neutral","sentiment_score":0.093155267403314},{"text":"We're quite happy with the performance of the fund and the allocation to it to the different sectors.","start_word":3760,"end_word":3777,"sentiment":"positive","sentiment_score":0.5550988912582397},{"text":"No. Do you guys have any questions about your portfolio? No? Okay. The next document is the Vanguard index chart. Is that what you're seeing? No. Yes. It is. Okay. So this is where I can explain a little bit better the the risk profile and how funds are invested. Mhmm. So being a visual tool, it's easier to explain. So in a high growth portfolio, you will have 90% typically of your funds allocated to growth assets with 10% to your defensive assets. Now looking at that chart, you'll see on the left hand sorry. Far right hand side, there's a column of US shares, Australian shares, international, and property. They're your growth assets. So in a high growth portfolio, typically, you've got about 90% of your funds allocated to those three so those four sectors, and you'll see how they react over time, the market. Yes. So a lot of the significant events, you can attribute to global events, let's call it. So if you look along the top there, you'll see in the black riding different types of significant global events. So you've got the GFC there from o seven till about late o eight Mhmm. and how the market was impacted through that period of time. You've got COVID nineteen and how the market was impacted. And this shows you over a thirty year period how the market reacts and the volatility you can expect to experience in those types of assets. The 10% of your portfolio is invested in the bottom two. It says Australian bonds, but it's Australian and international bonds and cash. And that's your defensive part of the portfolio. So there's not a lot of growth in those assets. They're more income producing and designed to decrease the risk to a certain degree within your portfolio just to try and balance it out as much as possible. Yep. With a high growth portfolio, we expect growth and expected return of about eight to 10% per annum.","start_word":3778,"end_word":4111,"sentiment":"neutral","sentiment_score":0.029252756449734112},{"text":"So what your current portfolio in the last twelve months definitely fell shy of that, not by much because that's gross is inclusive of these. It didn't fall shy by too much, but it did fall shy. But what we expect in the high growth profile is that at least one in every five years, statistically speaking, you'd expect to see a negative return.","start_word":4112,"end_word":4175,"sentiment":"negative","sentiment_score":-0.3837251961231232},{"text":"Okay. So that's kind of like your comfort with that. The other thing is is because we're talking about your investment for your superannuation funds, there's a preservation age, and that's 60 for both of you. So, Nick, you've got about fourteen years to preservation age, and, Lauren, Mhmm. you've Yep. got about nineteen years. Yeah. So in a high growth risk profile, the minimum time frame to be invested in this type of structure is eight years. That allows you to with withstand that's designed on statistics to allow you to withstand those market fluctuations and volatility. So given your sleep at night test for you guys as to whether you wanna remain as a high growth investor at this point in time. I'm pretty okay to do that, Nikki. What are you? 100%. Yeah. At the moment. Yep. Yeah. As we approach retirement and we will look at potentially reducing assets to grow you know, with the five year age gap between the two of you, it might be that, Nick, at a certain point, we reduced your allocation to growth assets and keep Lauren's as is depending on what the circumstances are at the time. So there's lots of different strategies that we would look at as retirement gets closer.","start_word":4176,"end_word":4388,"sentiment":"neutral","sentiment_score":-0.01723872497677803},{"text":"But given that you guys are still a fair amount of time out, I wouldn't recommend reducing unless you weren't comfortable with it.","start_word":4389,"end_word":4411,"sentiment":"negative","sentiment_score":-0.36624133586883545},{"text":"Yeah. Sure. Okay. The next couple of documents are just the certificates of currency for your insurance. So that's referring back to those first two pages. They're just the the certificates of for you both. The first one being Nick with Tal, and then Lauren, yours as being with Neos. Just showing that your your policies are actually enforced. Mhmm. Yeah. Sure. The next document is our financial services guide, a legal document that we need to provide to all clients. It just explains who we are, Yep. that we are licensed with ASIC, the types of advice we can provide and how we do so, a guideline of fees, and then also our complaints process and the the avenues that you can take if you're unhappy with any of the services that we provide to Yep. you. The next document is for Nick. I'm hoping if it's in the right order, it should be the Netwealth advice fees consent renewal. It's No. not The next one we have is option to provide tax file number. okay. Alright. Oh, then Not we in have order. I've the advice, fees, consent after that. Yeah. Yeah. Yep. I've got okay. the next Beautiful. one. Alright. So the tax file number should be for yourself, Nick. Yep. It's just we wouldn't we'd have one on file already for you, Lauren. Okay. It's just confirming that you're aware and you're okay for us to hold your tax file number on file. The reason we have it is when we up your superannuation fund, we were required to provide it to make sure, you know, that you didn't get taxed in your superannuation fund as a non Australian resident. So if you're happy for us, it's to acknowledge that we do hold it on your behalf. The next document, is it is the fee consent? Is it for Nick or is it Nick. Lauren? Nick. Yeah. Nick.","start_word":4412,"end_word":4733,"sentiment":"neutral","sentiment_score":0.08880704059988631},{"text":"Beautiful.","start_word":4734,"end_word":4734,"sentiment":"positive","sentiment_score":0.43852293491363525},{"text":"Alright. So the fee is are calculated being a couple. It's based on 1.1% of your account balance, Mhmm. and then it's fixed for twelve months. So, previously, it would have fluctuated with the market's ups and downs. We've changed our fee structure to be more transparent and set for clients. So what this form does is it has calculated your fee based on the balance and calculated it at 1.1% and then set it as a flat fee. So just under those percent, you'll see on the towards the bottom part of that page, you'll see a figure of $287.91. That is the monthly fee. I don't see $2.87. I see for Nick fixed dollar ongoing member fee advice. Is that where I'm looking? No. No. Hang on. Let me have I don't a look. see 200 and something anywhere. What? Okay. So at the top of the form, does it say Netwealth advice fee consent renewal? Yes. Not renewal. It says net Netwealth advice fees consent. Okay. I wonder. So is there a percent fee anywhere on the forms that has been sent to you? Percent. I can't see a percent anywhere. I just see you'll pay the following ongoing fees from your account from the 09/01/2026. You'll have a $6 payment amount of $426.28 per month. Okay. I'm looking at I have been given the wrong forms or you have been sent the wrong forms. Leave that with me to clarify. Okay. Give me one second because I'm gonna jump in and see what is going on here. Sorry this. I haven't come across this before.","start_word":4735,"end_word":5003,"sentiment":"neutral","sentiment_score":-0.021513607290653047},{"text":"I potentially think the wrong form has been uploaded for Nick.","start_word":5004,"end_word":5014,"sentiment":"negative","sentiment_score":-0.35158559679985046},{"text":"I'm looking at it now because it is different to the one that you have, Lauren.","start_word":5015,"end_word":5030,"sentiment":"neutral","sentiment_score":-0.20187579095363617},{"text":"I think Nick's form is incorrect.","start_word":5031,"end_word":5036,"sentiment":"negative","sentiment_score":-0.37497833371162415},{"text":"So what I'm gonna do is I'll Mhmm. resend that with the correct form for Nick. But Nick's will look like yours, Lauren. So if you skip to your one, sorry, Yep. as a reference while I'm speaking, because I'll I'll just I see the recent. difference. Yeah. Yeah. Yep. So, Nick, yours is set at, jump back, $287.91 per month. Okay. Yeah. Yep. And that's but so that will be fixed. So previously, it used to fluctuate the Okay. percent base fee, which is was pretty standard across the advice profession. Yeah. But recently, you know, it's our our advice doesn't change based on the performance. So if the performance of the portfolio is going well, there's really no reason why we should be paid more Yeah. as such, Yeah. so we fix it because our advice would be based on a fixed fee. Okay. Yeah. Cool. That makes sense. Yeah. And, Lauren, yours is the next well, you're already looking at it as a reference, but it's yours is based on $202.41 per month that would be deducted from your hub account. Any questions about those fees? Okay. No. No? Okay.","start_word":5037,"end_word":5229,"sentiment":"neutral","sentiment_score":0.018991969004659454},{"text":"Beautiful.","start_word":5230,"end_word":5230,"sentiment":"positive","sentiment_score":0.37483683228492737},{"text":"So what I'm going to do is please disregard the document that you have. I'm Mhmm. going to resend a new one to you to make sure that you actually have the correct ones. And if if and when you're comfortable, I'll ask you to sign those and return them. Yes. I will also send you the email for the estate planning contacts that we use. And, basically, just is there anything else that I could give that you need advice on or you wanna discuss further? Not really, but just just quickly because this has I have been thinking about and discussing Yep. with the Australian been a long thing and how it wasn't Yep. a great year. Because I totally get there's gonna be ups and downs. And looking at that, you know, the graph that you showed us in the documents here, it does the market obviously do go up and down. We do have to expect a bad year here and there. But it doesn't seem like that loss was an overall market effect. It seems like it was a obviously, Yeah. one Yeah. It's a fund. Yep. It was it was just a one fund. And so it's it's Why?","start_word":5231,"end_word":5435,"sentiment":"neutral","sentiment_score":-0.06997960805892944},{"text":"obviously it's it's a bit it's a bit disappointing. I'll be and I'm like, whatever. It's not personal, but it's just it's disappointing because it it's such Yes.","start_word":5436,"end_word":5463,"sentiment":"negative","sentiment_score":-0.45221832394599915},{"text":"you know, we pay we have Yes. financial advisers, and we pay fees to ensure Yeah.","start_word":5464,"end_word":5479,"sentiment":"neutral","sentiment_score":0.18338526785373688},{"text":"we get a good return.","start_word":5480,"end_word":5484,"sentiment":"positive","sentiment_score":0.6158806085586548},{"text":"So it it has and to be honest, it has made us question, are we in the right fund? Because when we first moved to Netwealth a few years ago, the predictions I I have a document somewhere that was saved, and the prediction for where we would be now, we we haven't met it. Yeah. Projections. We're quite Yep. far below where we were Yep. projected to be in at this point in time. So, Mhmm. yeah, I'm just kinda wondering how we're performing as compared to the average fund.","start_word":5485,"end_word":5575,"sentiment":"neutral","sentiment_score":-0.20288193225860596},{"text":"And I know it was just a bad year, and there's nothing you can do about that now.","start_word":5576,"end_word":5593,"sentiment":"negative","sentiment_score":-0.4927241504192352},{"text":"But It wasn't necessarily a bad year, and I'm not sure if it was explained how the been along works. So to give you some comfort and explanation, Yeah. it wasn't you're correct.","start_word":5594,"end_word":5626,"sentiment":"neutral","sentiment_score":-0.12350952625274658},{"text":"It's not the Australian share market that performed badly at all.","start_word":5627,"end_word":5637,"sentiment":"negative","sentiment_score":-0.38174331188201904},{"text":"It was the investment mandate that Ben along Australian Equities Fund follows. So their mandate so each investment company and fund has investment manager. And think of it as a philosophy that they follow, which we call a mandate. Now Venalong's was that they're an active manager, so their purpose is to actively seek growth opportunities. So their that what they are their mandate expects of them is that they seek out companies that they believe are undervalued in the Australian share market with the potential Mhmm. resources that have performed in the exchange share market. So it's not it it's so there's two different types of investment philosophies typically. There's your active, which have fund managers that have certain mandates that they follow, and then you've got your passive investments, which are they'll track against a certain index. With a actively managed fund like Benelon, it is you're always gonna have some significant variances because they're not always gonna get it right. That's their investment philosophy and belief. And if that if that it does allow for significant growth, but it also does allow for some decent loss and some if if it's not adhered to and the market's reacting or behaving in a different way.","start_word":5638,"end_word":5844,"sentiment":"neutral","sentiment_score":-0.0679089804922325},{"text":"So the last year, yes, it was very bad for Bennelong. It was about a negative 18 nearly 19% return overall for the fund itself. What I thought it was to do with one of the comp one of the things they held in the fund, one of the main companies they held in the fund was completely devalued or wiped out or something along those lines.","start_word":5845,"end_word":5911,"sentiment":"negative","sentiment_score":-0.6652641296386719},{"text":"You know?","start_word":5912,"end_word":5913,"sentiment":"neutral","sentiment_score":-0.24907389283180237},{"text":"It's more so the manager, you know, probably not wrong.","start_word":5914,"end_word":5923,"sentiment":"negative","sentiment_score":-0.33759361505508423},{"text":"I'd say it's it's a systemic theme. It's not necessarily one bad decision. It's the it's the mandate that they follow. So if we have a look I'm just jumping in. I'm gonna give you a little bit more information. To go back a little bit. Let me get some information together you for you before that. But if we look and I can email that through.","start_word":5924,"end_word":5990,"sentiment":"neutral","sentiment_score":-0.1015712395310402},{"text":"But if we look at the last twelve months, you're looking at nearly a negative 19% return as an overall for the actual Bennelong Australian Equities Fund over a ten year return.","start_word":5991,"end_word":6022,"sentiment":"negative","sentiment_score":-0.38681238889694214},{"text":"So we look long term.","start_word":6023,"end_word":6027,"sentiment":"neutral","sentiment_score":-0.20119599997997284},{"text":"We don't as well.","start_word":6028,"end_word":6031,"sentiment":"negative","sentiment_score":-0.3860246241092682},{"text":"Mhmm. Short term is, you know, we can't always look back. But, you know, you're looking at about a 6% return.","start_word":6032,"end_word":6052,"sentiment":"neutral","sentiment_score":-0.23814871907234192},{"text":"So you are gonna have very negative returns. The Bennelong has had a negative pretty negative consistent return for probably the last twelve to eighteen months.","start_word":6053,"end_word":6078,"sentiment":"negative","sentiment_score":-0.5085321068763733},{"text":"Okay. We don't we don't systemic issue that's ongoing. So if we saw, for example, in your portfolio Mhmm. now, you've got gold and you're at yeah.","start_word":6079,"end_word":6105,"sentiment":"neutral","sentiment_score":-0.2182949036359787},{"text":"It's operating at a negative at the moment. It's returning a negative.","start_word":6106,"end_word":6117,"sentiment":"negative","sentiment_score":-0.4096553921699524},{"text":"That's Mhmm.","start_word":6118,"end_word":6119,"sentiment":"neutral","sentiment_score":-0.281948447227478},{"text":"not raising a flag for us because that's how we would actually expect that investment to Right.","start_word":6120,"end_word":6136,"sentiment":"negative","sentiment_score":-0.47377023100852966},{"text":"to act. It's going to but with the Benelon, for example, that's not how we would expect it to act for a long period of time. Okay. So what our job is to do is to make sure that, yep, it's you're never gonna get a perfect portfolio. Some years are gonna be fantastic depending on typically the global events that are occurring at the time because they're the ones Mhmm. that have the biggest impact on how the market reacts. But it's to make sure that if there is something of any concern that we are acting on it as fast as possible, but not being reactive. So if we had a for example, we wouldn't be doing our jobs if we saw Ben along performing bad for six months and said, okay. Get everybody out of there Yeah.","start_word":6137,"end_word":6276,"sentiment":"neutral","sentiment_score":-0.08456056118011475},{"text":"because that's just a that's a reaction to a negative return. We aren't following our investment philosophy and making sure that we're not doing doing our due diligence, essentially.","start_word":6277,"end_word":6305,"sentiment":"negative","sentiment_score":-0.3678579330444336},{"text":"Yeah. But when it becomes a systemic issue, that's when it's our job to go, no. We've gotta do further investigation here and look at alternatives, what's the actual problem, what's happening, and so on.","start_word":6306,"end_word":6340,"sentiment":"neutral","sentiment_score":-0.2436908483505249},{"text":"So it's never gonna be perfect.","start_word":6341,"end_word":6346,"sentiment":"negative","sentiment_score":-0.3528033196926117},{"text":"I wish I had a crystal ball because I would be getting the lotto numbers Yes. myself. But, yeah, our job is to not be reactive, Mhmm. but proactive when required. So the removal of the banner long when it was was actually a good move.","start_word":6347,"end_word":6392,"sentiment":"neutral","sentiment_score":-0.09224184602499008},{"text":"There are some clients that are unfortunately still exposed to banner long and are still experiencing significant losses with this sitting in about the 16 negative 16 at the moment.","start_word":6393,"end_word":6422,"sentiment":"negative","sentiment_score":-0.4765174686908722},{"text":"Yeah. Okay.","start_word":6423,"end_word":6424,"sentiment":"neutral","sentiment_score":0.05277355387806893},{"text":"So you were definitely at at a good time.","start_word":6425,"end_word":6433,"sentiment":"positive","sentiment_score":0.3438234329223633},{"text":"Mhmm. And it yeah. So it works It's not great, but then when we cashed it out and also bought the beta shares, the offset was that there was no capital gains tax charged within the portfolio and that we were able to adjust the portfolio in a tax effective manner as well. So Yep. it doesn't Okay. just come down to although, you know, returns are extremely, extremely important, they're not the only thing that that's gonna see you reach your retirement goals. And if we look at projections, because I know you just touched on those before, I personally don't like projections. The reason Yeah. being Yep.","start_word":6434,"end_word":6542,"sentiment":"neutral","sentiment_score":-0.03131095791628601},{"text":"is that depending on how far you're projected out, they're very, very speculative in nature.","start_word":6543,"end_word":6557,"sentiment":"negative","sentiment_score":-0.3735677897930145},{"text":"Yeah. If I'm ever gonna do a projection, I'm gonna do a projection based on CPI or just above CPI Mhmm. because anything can change at any point in time. Yeah.","start_word":6558,"end_word":6588,"sentiment":"neutral","sentiment_score":-0.16669133305549622},{"text":"If there is a a loss a period of time where super contributions aren't being made or, for example, if those projections didn't allow for your insurance premiums to be deducted, There's so many variables in there that if they're not done properly, they can give an inflated expectation of what you would what you can expect at retirement. So we don't actually do projections that far out anymore. We do, I think it's like a five year based on current circumstances and the average return of eight to 10% in a high growth portfolio with negative returns allowed.","start_word":6589,"end_word":6687,"sentiment":"negative","sentiment_score":-0.3622245788574219},{"text":"So to avoid that expectation that Yeah. No. Exactly that. Maybe yeah. I think I think when yeah. we joined NetSoftwell, I probably didn't realize the projections, the adjusted projections. I thought, oh, great. We're gonna have this much money. But Yeah. And and yeah. you No. know what?","start_word":6688,"end_word":6736,"sentiment":"neutral","sentiment_score":-0.15693536400794983},{"text":"It is really it's really hard because, you know, we wanna be able to provide something, but it's also it's difficult to do that in a really realistic manner.","start_word":6737,"end_word":6765,"sentiment":"negative","sentiment_score":-0.43996894359588623},{"text":"So I think Yeah.","start_word":6766,"end_word":6769,"sentiment":"neutral","sentiment_score":-0.1335492581129074},{"text":"that's why we've wound it back back a little bit in respect of the projections because they can be really speculative and overinflated at Yeah.","start_word":6770,"end_word":6794,"sentiment":"negative","sentiment_score":-0.35175177454948425},{"text":"Okay.","start_word":6795,"end_word":6795,"sentiment":"neutral","sentiment_score":-0.16096261143684387},{"text":"No reasonable.","start_word":6796,"end_word":6797,"sentiment":"negative","sentiment_score":-0.3548276126384735},{"text":"Fair times. enough. Yep. And just touching on the the basic the the comment that you made earlier about how Netwealth is doing. It's Netwealth is just the platform. It's Mhmm. your underlying investments that can that produce the performance. So if I go to just a really popular industry fund to let you know who q super is. Yep. Yep. I just use that one because everyone knows who it is. Yeah. I'm looking at a portfolio at the moment of theirs that is falls within the high growth range. So that so that $90.10 allocation, Mhmm. actually, even a little bit more. They're a little bit more exposed to cash I mean, gross by about seven to 8%, and their return for the last year was 7.15%. Okay. And now Yeah. and that and that's grosser fees, so that's not net. QSuper Okay. Yeah. Yeah. doesn't yep. So it's more the investment options that it's not Netwealth themselves. It's the underlying investment options. Yep. No. That's reasonable. Yeah.","start_word":6798,"end_word":6967,"sentiment":"neutral","sentiment_score":0.026276842493783027},{"text":"Cool.","start_word":6968,"end_word":6968,"sentiment":"positive","sentiment_score":0.351733922958374},{"text":"Makes Does sense. that Thank does you. that help? Yep. Yep. Okay.","start_word":6969,"end_word":6980,"sentiment":"neutral","sentiment_score":0.24408698081970215},{"text":"Because I always just wanna make sure that everyone understands and, you know, you're able to make an informed decision. So Yep. if if there's anything else that I need to explain or give you information on, I'm absolutely 100% happy to do Yeah.","start_word":6981,"end_word":7024,"sentiment":"positive","sentiment_score":0.41793447732925415},{"text":"No worries.","start_word":7025,"end_word":7026,"sentiment":"neutral","sentiment_score":0.27389511466026306},{"text":"Thank you.","start_word":7027,"end_word":7028,"sentiment":"positive","sentiment_score":0.38619863986968994},{"text":"I think that answers everything. I wanted to kinda speak it out. that. Yes. Okay. Beautiful. Alright. Well, I am just one last question. We have you guys on annual reviews. Are you happy to continue with annual reviews? Did you want them more frequent? It No. That's pretty good. So annual's pretty good. Yep. I we keep an eye on how the funds got doing online Yep. anyway. So kinda have yeah. The annual I think I think the only one I want is it what was the name of is it Shahail? What's his company? Shahil, the mortgage broker. Yeah. Mortgage Was that through broker. Yeah. I think she has put us in touch with our mortgage broker Shahil once let me check. Probably his contacts will be saved in my phone. Okay. Okay. Yes. Is he okay? Okay. That doesn't matter. I think I'm pretty sure we got his number from you. It's just the mortgage broker that you recommended to us, but I was just saying if you you still if you still recommended him. But but Actually, we have I or actually if we met have with someone. a Yeah. I actually met with someone new just recently. Let me jump into the system.","start_word":7029,"end_word":7237,"sentiment":"neutral","sentiment_score":0.08001920192293002},{"text":"I actually quite liked them. They're called Truth Front Financial Truth Financial, I should say. They seems like really onto it.","start_word":7238,"end_word":7258,"sentiment":"positive","sentiment_score":0.4732937216758728},{"text":"What I'm going to do is I'm just sorry. We've got documents saved everywhere. Did you want a a contact for that, or have you got or is it you wanna reach back out to What did you want, Nikki? I think we're okay. Yeah. There was it was a minor thing, really, because I think it's you know, we're we're toying with the idea of selling our house, you know them? Upgrading. Mhmm. Moving to and, you know, somewhere else. But, yeah, it's not not pressing. It's just if you if you had any sort of affiliation or Yep. whatever it may be with I a re mortgage broker, that's all. yeah.","start_word":7259,"end_word":7371,"sentiment":"neutral","sentiment_score":-0.00045280682388693094},{"text":"I think the guys that we met with actually this week, I think that that definitely be able to help you.","start_word":7372,"end_word":7392,"sentiment":"positive","sentiment_score":0.40651559829711914},{"text":"I can do an introduction email if you like, and you can just reach out. They can reach out to you, and you can make an appointment whenever or Yeah. a phone That's consultation, great.","start_word":7393,"end_word":7427,"sentiment":"neutral","sentiment_score":0.14731557667255402},{"text":"Yeah. That'd be great.","start_word":7428,"end_word":7431,"sentiment":"positive","sentiment_score":0.43612557649612427},{"text":"yeah, Yeah.","start_word":7432,"end_word":7433,"sentiment":"neutral","sentiment_score":0.24270516633987427},{"text":"Thanks whenever for works for you guys.","start_word":7434,"end_word":7440,"sentiment":"positive","sentiment_score":0.4982045292854309},{"text":"yeah. I'll Cool. get mad Thank you. I'll get Maddie to do that from our office. So yeah. But in the meantime, I will send you through that fee report for your information, and I'll send you the estate planning forms the estate planning brochures Excellent. W as d e cals. Yeah. Yeah. No. That's a well. priority. We need to do it. Alright.","start_word":7441,"end_word":7504,"sentiment":"neutral","sentiment_score":0.12420813739299774},{"text":"Fantastic.","start_word":7505,"end_word":7505,"sentiment":"positive","sentiment_score":0.6303985118865967},{"text":"And once you've got those brochures, if you want us to do an introduction or if you want me to just do an introduction anyway so they reach out to you, I can be guided by you.","start_word":7506,"end_word":7542,"sentiment":"neutral","sentiment_score":0.13029243052005768},{"text":"Wonderful. That's perfect. Thank you so much.","start_word":7543,"end_word":7549,"sentiment":"positive","sentiment_score":0.7975000143051147},{"text":"Did you want me to do that intro? Oh, yeah. The intro. Yeah. Yeah. Yeah.","start_word":7550,"end_word":7564,"sentiment":"neutral","sentiment_score":0.09671012312173843},{"text":"Perfect.","start_word":7565,"end_word":7565,"sentiment":"positive","sentiment_score":0.44334420561790466},{"text":"Yes. Yep.","start_word":7566,"end_word":7567,"sentiment":"neutral","sentiment_score":0.23980703949928284},{"text":"Beautiful.","start_word":7568,"end_word":7568,"sentiment":"positive","sentiment_score":0.5931164026260376},{"text":"Alright. I'll do that, and I'll still send you the brochure in a separate in a separate email to that one.","start_word":7569,"end_word":7589,"sentiment":"neutral","sentiment_score":0.17448070645332336},{"text":"Easy. Thank you.","start_word":7590,"end_word":7592,"sentiment":"positive","sentiment_score":0.45450669527053833},{"text":"Just to clarify, Jenny, you're gonna send through that correct document, and then we'll sign those and return Yep. work. Yep. I'm going to Easy. pop them through in a moment.","start_word":7593,"end_word":7623,"sentiment":"neutral","sentiment_score":0.09918465465307236},{"text":"Oh, excellent. Alright.","start_word":7624,"end_word":7626,"sentiment":"positive","sentiment_score":0.4722114801406861},{"text":"Alright.","start_word":7627,"end_word":7627,"sentiment":"neutral","sentiment_score":0.3310419023036957},{"text":"Thank you Thank you so for much. your time. Thanks for your help.","start_word":7628,"end_word":7640,"sentiment":"positive","sentiment_score":0.6891401410102844},{"text":"No.","start_word":7641,"end_word":7641,"sentiment":"neutral","sentiment_score":0.10046301037073135},{"text":"Thank Have a you, good and enjoy your weekend.","start_word":7642,"end_word":7650,"sentiment":"positive","sentiment_score":0.5377723574638367},{"text":"weekend.","start_word":7651,"end_word":7651,"sentiment":"neutral","sentiment_score":0.307643860578537},{"text":"Thank You you.","start_word":7652,"end_word":7654,"sentiment":"positive","sentiment_score":0.4905925691127777},{"text":"too. Goodbye.","start_word":7655,"end_word":7656,"sentiment":"neutral","sentiment_score":0.28581345081329346},{"text":"Cheers.","start_word":7657,"end_word":7657,"sentiment":"positive","sentiment_score":0.4406476616859436},{"text":"Bye.","start_word":7658,"end_word":7658,"sentiment":"neutral","sentiment_score":0.24376139044761655}],"average":{"sentiment":"neutral","sentiment_score":-0.003263897540419953}}}}