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Is now still a good time for you? Great. Just to get started on that one, Brett, if I could just pass you through security, just that name, date of birth, and current address, we'll get started on that one. Right. Thanks for that on there, Brett. Now as I said, apologies for sort of how long this is taking to put together. I know we were talking about those insurance recently. You did raise again sort of the cost of those and maybe wanting to revisit that again. Yeah. So with this one here, because of the previous conversation by the end of last year, obviously, there's a few business changes, I think I mentioned, that were going on towards the end of last year. So it took a while just to sort of change sort of the CRMs and where they were operating there. So it took a while to get these documents sorted out. But this is just basically saying to maintain your current level insurances. But following this conversation, I can send you out, like I did last time, the quotes of the reduction sort of amounts and what that looks like again for you to have a review of if you'd like. Yep. Yeah. I did see that that came down quite quite a whack there from what it was previously. So yeah. So with that one because I remember we did the the quotes originally reducing down to, like, 400 and then down to, like, sort of as per needs, like a debt and a little bit of income replacement, things like that. Again, I could sort of look at doing it just a couple quotes up again for you and just send them off and see what that looks like. I know we did previously. You just want to keep it as is back then. But, obviously, that changes things a little bit. But with that one there, I can do one for sort of, like, a a $2.50 amount and then sort of a couple other ones around that just to show you what it looks like for that life and TPD. Perfect. One of the other things that I do need there, Brett, is just an updated ID. So before we implement any of the advice anyway, so even if you said happy days this advice or not, we can still go ahead with the insurance reduction anyway depending on whether or not you you like the the update that we're recommending or not because it is a product that you currently hold. We're recommending that in the advice piece today that you maintain that anyway. So a simple change of that one's just like a a record of advice where we'll just make a note that we had a discussion. Obviously, you know, the risks around being underinsured, you know, time left if you were to be injured and unable to work, those sort of things. You don't have long until you can access your superannuation anyway, even, like, as a conditional release, partially at the age of 60. So that's something you've got on your side there as well. But I will send you an email just requesting your ID. So to update that, we need to be able to have a a valid ID on file, which has expired, unfortunately. So I'll just send that to brett scrying oh, sorry. Scrying68@gmail.com. And if you could just reply from back, which is like a an ID, so whether that's a passport or driver's license, we'll get that verified and update. So I'll send that through now. In addition to that one, I will be sending through this Odusign, a bit different to the DocuSigns you've used previously. But with this one, I'll have some email attachments. You'll have the statement in via the appendix. You'll also have financial services guide, an OQ services guide, the updated copies of that one with those business changes. They have updated everything. And then also there's the PDF fee at your superannuation there as well. And there are a couple signable documents there. So that's just being a bit painful there. So with that one there, the signable documents will have your ongoing service agreement. And then also in addition to the ongoing service agreement, you will have that statement in advice if you were happy with everything. So if you're obviously on for the next twelve months, that'll be the document that allows you to do so, plus the recommendation we're making in relation to the superannuation side of things. Now it is just playing up, so bear with me while I just create that document again just to send out. Sorry. I had it set up to send out, but it just came out with an error message. I'll just have to create it again quickly. Sorry for going quiet there. It just takes a second to put all the attachments back into the email. Perfect. So you should have that one there shortly. Now the today there, Brett, how much time do you have to run through this document? Because I can run through it quite quickly. It is quite a a simple statement there. And then you can have some time to go through it this afternoon, have a little look at that one if you like, or I can go a little bit in-depth depending on how much time you've got on your hands. Yeah. Not a problem. So as I said, it's quite a straightforward statement of advice piece there today. Anyway, so it shouldn't take too long to get through there. But has that email shown up in your inbox there yet? Yeah. There should be a separate one there. It may just take a second to come through there. While that's coming through, I'll just start explaining what the document is there today there. So it was obviously finalized on the February 23. When you see those prepared for yourself by myself, Kyle, and that's my authorized representative number. I know OPU's financial services license and in addition to the the team that put this all together. So I just put it together in your best interest, Judy. If we can't put you in a better position, we don't recommend it, which is what that is. And then in regards to the scope of the advice, we basically just settled on the superannuation estate planning side of things. Obviously, things have come up with the insurance as well that may need addressing. I'll send you off those quotes again for you to be able to have a look at and review. But in saying that, the it won't affect the advice piece in the sense that we're still gonna get you to retain the policy. Obviously, giving your agent stage, you don't probably wanna go to underwriting again. You may end up with other loadings and exclusions that you don't currently have on your your current policy there as well. In addition to that one, I know you were sort of doing some budgeting and saving there in regards to you were gonna do a few renovations around the house and things like that, but we're happy budgeting that for yourself in addition to that one with the the money that you had come in. So you're probably well and above sort of what you're able to do in terms of your upgrades there, so that's fine. Same in regards to debt management and paying down your your debts to your primary residence there. We weren't touching on that one. We did mention a sort of money smart calculator having a play around in that. If you did wanna sort of have a see what it might look like in the the amount you had left in paying that down to retirement, but as far as the advice and our recommendation, we didn't touch on that as well. In relation to investments, I know potentially as well, you were expecting a potential inheritance to come through at some point and maybe doing something with that money as well. But at this point, that's scoped out in addition to, obviously, property there as well and being able to pay repurchase something for your children. Obviously, we've got the the mortgage brokers we work with in conjunction and can provide sort of their details to be able to go through that and start that process if you did wanna start looking at maybe purchasing an investment property for the children, things like that as well. Now in regards to document, there is a limited advice warning. So, basically, this document here is, basically pertaining to the the not only just the the superannuation but the estate planning side of things. Everything else, we're aware of. We're kind of accountability partners at the moment, but we're not currently making any recommendations on those, if that makes sense. Perfect. Now it is quite simple in the sense that we are recommending you attain not only insurances, but that NetWell superannuation there as well. In addition to that one, we did compare a few market alternatives. There were some out there that was slightly cheaper. There were some out there that had some other benefits. But given the time you've been in Netwealth, the capital gains that would apply if you left Netwealth, in addition to the services and how they are as a product in the market, they're still quite competitive in terms of, like, the features they offer and the cost you pay. So we're just recommending you retain that fund. So we did compare a few of those alternatives. And then we're just looking at changing those underlying investments. So you were quite heavily invested in the the Bennelong, that actively managed fund. From yep. So within regards to that one, so obviously, COVID had its effects. And then from there, you're traveling quite nicely. Then obviously, the tariff talk with Trump was a bit of a dip, and then it started to recover quite nicely. But then given what occurred with Ben Long and that underlying asset that was done for accounting and not reporting correctly, caused that portfolio to basically take a little bit of a backwards turn this year. Then saying that we're looking at adjusting that, changing that out so that moving forward, you don't have that sort of market volatility within regards to managed funds at least anyway and still maintaining that level of growth that you're getting out of your superannuation with just different asset classes. Now can you see the the email there with the documents there at all there, Brett? Yeah. We have had issues with it being quite slow sometimes. Not an issue. I can just run through it, and then you obviously have some time to look through it in your own time. It's valid to thirty days from when we sort of like the documents finalized. So thirty days from the twenty third of the second there. And then from there, it's valid for another thirty as long as nothing sort of major has changed that affects the advice. And given that it's just an investment update, that should be fine. Page eight and nine, you'll see your details to just confirm that they are all correct. We have updated the the liability on the the mortgage there as well. In addition to that one, you've got your credit card debit. Obviously, that's just based on the same way that, you know, banks calculate with the the credit card debt. I know you're able to sort of pay it off quite regularly, but it's just based on what we'll have there for that one. So just the $3,000 value. In addition to the net wealth there, you've obviously got the AIA policy that is attached to that and paid through the rollovers over that. And with that one, it's for that 426,000 of life and around the 406 of total permanent disability. Now as I said, I'll do up some more quotes for you there, request those, and then we can send those to you to have a look at and see what you might wanna do in terms of, like, costs and the cover you might need. In addition to that one, you are getting quite close, you know, to that age of 60 where you can access your super, so you might not need it in a few more years if that makes sense as well. In the event that something did happen, you would potentially, as long as you're over the age of 60, made a conditional release to be able to access your super. Obviously, in regards to that, you don't wanna sort of be eating into your superannuation too much because that is your retirement money there as well. And then you sort of just be relying on government assistance programs, things like that as well. But at least you've got that access there in a few years' time. Now in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment. So with that, I know, you know, sooner, the better when it comes to retirement, but you're sort of still happy to work through to the age of 67 should you need to get to that sorta pension age there as well to assist in your retirement. So with that one there, you still have plenty of time to maintain that level of exposure to growth assets. And as I said, we're looking at removing the active portion anyway in regards to that. So you wouldn't be looking to, like, try and outperform the market for that higher cost. We're actually looking at going a bit more passive to where you don't have those active managed funds, but with that, it lowers the investment cost quite significantly. And then given that as well, it lowers that management risk, which can cause those fluctuations like what occurred in Benelong with the waiting that you did have in your portfolio. So moving forward, you obviously if the markets travel well with that, it's more indexed approach that will still continue to perform quite well and add a cheaper cost there as well. One of the risks is is obviously if the markets do stagnate just a little bit then, so with your your your superannuation there as well in terms of the returns because it's not trying to outperform the market. You don't have those active managers. But in saying that that you just do what the market's doing, you don't have the risk of going, like, double double sided the wrong way, like, like, been along did there as well. Now within regards to that maintaining, you obviously don't pay that capital gains or as much when it comes to switching the investment. There will be a slight capital gain given that over historically, you know, you have had quite good returns overall. So you will have to pay some capital gains on switching those investments. But with that, you'll still have a platform that's quite flexible to be able to do those transition retirement strategies later on and things like that as well and being able to choose the portfolios that we currently have. Do you have any questions in regards to the the platform or anything like that, Brett? Perfect. Now, obviously, you know, there's obviously risks in the sense that you are sort of buying and selling, so there's a cost associated with that one switching up investments. Also, the time out of the market for the investments that have been sold down to cash. But with that, it is sort of not the majority of your port portfolio. It makes up for given that that little bit of a loss with Benelon recently to be that you'll be buying into some new assets while the rest of it still remains invested that has been performing well. And then with that, we did look at this sort of, you know, holding on to Bennelong, what that might look like, but there's not much confidence in them moving forward given the past few years of performance plus what occurred at the end of last year. And then with that, there's funds that we're recommending that a lower risk in terms of that investment risk. And in addition to that, they're lower costs, so you'll save as well. We also looked at still switching, but we've given you time sort of till the age of 60 where you might wanna be start drawing down and things like that. Paying that high capital gains now can really sort of affect your your growth and that compounding effect for the amounts and lowering that balance. So on page 16, not that you can see it, you'll be able to see the buyers and sales. So with that, you will be switching from the bed along there will be a slight adjustment for the gold portion in that as well given that sounds so well. And then you'll be selling down of the Vanguard fixed interest. And then also, there's a a Miski fund, which is sort of the investment outside of The US and more Europe focused, that Europe, Asia. And then you'll be switching to a Vanguard all world excluding The US, which is basically the alternative for that, Miski there. It is that cheaper cost ongoing. In addition to that one there, you'll just be switching to the BetaShares 200, which is basically the Australian equities that's switching out for the Benelon. So that's just, like, the top 200 companies in Australia. And then you'll have an iShares core composite bond. So that's kind of like the the switches there in terms of what's going and what's coming in. And then gold's just being adjusted just a little bit. Now as far as the allocation goes, you will have actually a slightly higher allocation growth assets, and that's only due because we consider at the moment alternative growth assets to the gold being 10% to be a 100% growth at the moment, which means that it does bump up technically. But in saying that gold can be considered quite offensive in market turnarounds there as well. And if this is that one, you still have your bond and a few other portions of that portfolio. That does still mean you're quite defensive with that 14% total, and, obviously, gold can be considered a bit of a split, but currently, it's all all growth. So you will increase your exposure slightly to growth assets, but you will not have that manager risk that comes with the funds and things like that. And it also diversifies your portfolio a little bit more as well as your key holdings, the amount going into those. You've got about 30% in the S and P 500, but given that, you know, you've got quite the high allocation currently, the Bed along being 36% to a managed fund is quite high, and then the index is a lot more sort of stable and a safer sort of bet than managed funds and how they do return sort of year on year. Now with that one there as well, it will drop your investment fee down that $842 per annum in terms of the ongoing cost. And then overall, with the growth estimate, it will predict that your adviser fee will go up slightly for a year's worth of growth just based on the fact that one we're recommending is performing better in terms of your current investment. So overall, it's it estimates you're gonna be around sort of 701 bit dollars better off per annum just in terms of the total fees you're paying, plus the portfolio that you're going into has just been performed a bit better. Little less risk and then lower lower costs, which is your guaranteed savings, which you'll get for the next few years moving forward until you sort of hit that transition to retirement stage. Perfect. There are a few, like, percent projections there as well that show you what that might look like as a a difference in how that might be performing if everything was to replicate itself year on year. But, obviously, projections to be taken with a grain of salt. You know, they're never sort of accurate because the markets never replicate year on year. And given that, you know, it seems like every second day someone's starting a new wall with someone else, it can be quite unpredictable. Yeah. Yeah. Basically, first, it was, you know, what was it? Venezuela being kidnapped, the dictator, and then, yeah, Iran's been bombed, and then they've retaliated. So it's just, yeah, one thing after another at the moment, unfortunately. Yeah. Well, it's amazing just what one tweet from, you know, someone like Trump can do in terms of, like, markets. Yeah. As much as we like to think that it's all sort of numbers and analytics, when the markets are concerned, it is people at the end of the day buying and selling those assets. So a lot of it comes down to emotional bias and things like that as well when it comes to the buying and selling and things. As far as your estate planning side of things goes there as well, I know you have your your net wealth beneficiary there in force. But as far as the AIA, I don't believe it's ever been completed or it has been, and then somewhere along the line, it's sorta lapsed or it wasn't complete. I'm not too quite sure. But I know you've got Donna there as a 100% nonlapsing binding. So we are just recommending you nominate your spouse against that AIA policy. In addition to that one, obviously, spouses, a 100% of the time, will get the benefit tax free. Now I know that you've got the sort of adult children, but the adult children there, they'll be charged a tax on top of that. So they won't get the benefit tax free because they're no longer tax dependent unless, obviously, they come back home living at home and you're paying sort of their way and things like that as well. And then they might sort of receive it for pun? Yeah. Exactly. Unfortunately, it's a lot harder to prove when it comes to the super side of things there as well. The other option is obviously to leave it to your will and to be distributed that way. You don't have to pay the the Medicare levy there if it was to go through the will, which is a bit of a benefit, but you will sort of still pay tax when going to the the estate as well. So those are the sort of options there that we're recommending you do your your spouse. Again, much like before, and I know you just haven't looked at your will for a while, so we do recommend that you go, you know, have a conversation with yeah. And yeah. So that was the recommendation there as well. It's just to review that. We'll make sure it is all up to date, especially, you know, given that things have quite changed in terms of, like, bit of money coming in there. Same if if you were to get an inheritance as well and be completely debt free. And if you were to know, purchase investment properties, things like that, all those make quite a difference as well when it comes down to the estate planning matters. Perfect. Now as far as your ongoing services, they don't change at all. Obviously, you can have a look at the the new FSG and services guide there that they've done up and see what you're sort of entitled to as an ongoing client. As far as the adviser fee, they are looking at, you know, changing the fee structure eventually. But at the moment, it's still that 1.65 there. It has the estimated adviser fee around that sort of $3,456 as an annualized premium if your super was to grow based on the recommended projections. So that is an estimate of what that might look like, and then we do still get 22% of the premiums of the AIA policy for keeping it in force, which is around the 1,200. Now that's not to say that you pay that additional on top of what you pay to AIA. We just get a commission from AIA, and we have to disclose that just based on the fact that we're getting remuneration from it for maintaining that policy, if that makes sense. Perfect. So as far as, like, upfront cost, things like that, it's not upfront or anything. It's just the ongoing that you're currently paying. If you were to sign the document, you're happy with the investment update, we do that all on the back end there for you. Obviously, you know, it is quite a straightforward document there. There's a few things that we did touch on, but we didn't provide advice on at this point. So that sort of things for later dates there as well, so we're aware of. We've got them noted there just to keep an eye on them, keep you accountable sort of things as well. Ask you sort of every 12 just to make sure you don't forget as well, much like that will. In addition, if you did want advice on it in the future, it makes it a lot easier there as well. So in addition to that, if you were to sign, we do that change in the back end. It wouldn't change anything else there for you, and then we can send you a copy of those beneficiary forms there as well for the AIA policy. Would you like that just like to be mailed to you or emailed? Perfect. I'll get the team to email a copy there, and I'm I'll even ask them to prefill it for you there as well just with your your partner's details. But do you have any questions in regards to that document roll there, Brett? As I said, it is quite quite straightforward. Yep. Perfect. As I said, you got plenty of time. In the meantime, though, if you could get us a copy of your your ID there, the most up to date one there as well. Oh, brilliant. That's perfect. I'll get on to that, and I'll get that one actioned there for you. And then, yeah, we do have here too that the last contribution you got from your Central Coast Football Club is around the 288 there. Have you started taking, like, a wage plus them contributing to your super, or is that just what you got in terms of, like, the amount you for the work you did this year or last year? Alright. Not a problem. It just yeah. It just seemed a little bit less. I wasn't sure if you changed up your pay structure or things like that. Pardon? I only got it for $288 in terms of the contribution amount that went in, which I think the previous year, it was closer to the 1,500. Yeah. Something. That's why I was sort of just double checking. I'll just bring up contributions again. I'll see that the last one was compared to this one. Yes. On the 2026, it went in for $288. And then the last one prior to that, I'll just see where that one was. It was around 2,400. Yeah. That's what I was a little bit confused just when I was looking at it because it's obviously quite easy to see what the Central Coast Football Club and what they're they're putting in there. Yeah. Since you've been on board, they've had, yeah, just that one in 2024 and then that last one there in the year 2026, month of the first. Yeah. Yeah. Sorry. I thought you were speaking to someone else. Yeah. Yep. Okay. Yeah. Because I can just see the I was just looking at the employer super guarantee contribution amount. Pardon? Oh, the salary sacrifice there was from sorry. I'm just having a quick look here. So you you're salary sacrificing there currently with your current employer there as well, or is it salary sacrifice in terms With because it's the last one in 2024 came as employer super guarantee contribution, and then there's that one there. And then, yeah, there is also a salary sacrifice contribution, but I can't see what it was for. Like, it doesn't actually list it for an hour. And so that salary sacrifice contribution made in 2026 was also from the football club? Okay. Do you know what the the other amount would be for then as well? Yeah. No. It still says that one there is from Central Coast Football. Is it $2.80 out there as well? Unless they're paying you, like, that's your salary that you fully salary sacrifice in, and then you've got the 288 there as well that's, like, on top of the the 2,400 that you earn. I'm not too sure how the accountant has been doing it, but you can I can see the salary sacrifice amounts going in, and then I can see, yeah, just a couple additional payments there as well? So in 2024, it's employer a contribution, and then the salary sacrifice amount. You've got 2023 was a salary sacrifice contribution, 2025 was sales tax, and then 2026 was sales tax. And then you've also got the employer paid contribution. There's a $288 on the ninth of the first as well. Yeah. So I'm not too sure because, obviously, you're able to sell sacrifice the amount of 2,400. So I'm not too sure if they've realized they should have been paying you super on top of that as well for that amount or they just started doing it, but you got an extra $288 there as well. Okay. Crazy. I mean, free money is free money, so don't ask where it comes from. Don't complain. Not a problem. But do you have any questions for me there, Brett, in regards to anything else or anything that was discussed there? Yep. In terms of, like, us just making a change without informing you sort of thing? Yes. So, obviously, it's like extenuating circumstance, I think. So during COVID and a few other circumstances when it came to, like, those sort of events, the investment community has made, like, company wide decisions to, you know, just blanket to, like, a recorded advice for changing this due to these reasons. Obviously, in regards to Bennelong, it was something that it wasn't sort of foreseen. Like, with the global pandemic, you could see it, like, sort of coming with what was occurring. In terms of the Benelung, the reason that caused it to dip so so you can fill in so quickly was largely due to the corporate traveler investment that got done for not reporting correctly. And the only way you sort of would have known about that was if you yeah. What yeah. If you had a little bit of insider knowledge in regards to that, because after that was announced, it dipped really quite significantly. And then throughout the sort of back December, it's just basically gone, you know, your ups and your downs, your ups and your downs. It doesn't really go on anywhere. It's remained quite stagnant. Even year to date, I think it's only it went up to, like, 4% back, and now it's only sort of sitting at point 2% back for the year. So, yeah, unless you sort of knew prior to, you know, the November there that that was gonna occur, you really hadn't sort of no knowledge that it was gonna dip that significantly and that quickly because it was, like, 20% over the course of, like, a month. So quite a significant dip. The other one that crashed more, I think, was your cryptocurrencies if you ever doubled in those as well. But, yes, as it like, as they've done a review of that, they have decided as an investment key to move away from Benelung, which is part of, like, the update there as well. No problem. Do you have any questions in regards to that one there, Brett? Too easy. Obviously, yeah, have a read through document, come back with any questions. I'll get those quotes done up. Maybe I'll get them this afternoon or maybe sometime tomorrow, and I'll just shoot you an email with those different amounts there as well. Too easy. Well, you enjoy the rest of your day at work there, Brett. Thanks for your time, and I'm sure we'll speak soon. Cheers. Thanks, mate. 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afternoon, Brett. It's Carl calling from OQ Financial. How are you, sir? Yeah. Not too bad at all.\n\nThanks for asking. I had do you schedule in for that presentation this afternoon? Is now still a good time for you? Great. Just to get started on that one, Brett, if I could just pass you through security, just that name, date of birth, and current address, we'll get started on that one.\n\nRight. Thanks for that on there, Brett. Now as I said, apologies for sort of how long this is taking to put together. I know we were talking about those insurance recently. You did raise again sort of the cost of those and maybe wanting to revisit that again.\n\nYeah. So with this one here, because of the previous conversation by the end of last year, obviously, there's a few business changes, I think I mentioned, that were going on towards the end of last year. So it took a while just to sort of change sort of the CRMs and where they were operating there. So it took a while to get these documents sorted out. But this is just basically saying to maintain your current level insurances.\n\nBut following this conversation, I can send you out, like I did last time, the quotes of the reduction sort of amounts and what that looks like again for you to have a review of if you'd like. Yep. Yeah. I did see that that came down quite quite a whack there from what it was previously. So yeah.\n\nSo with that one because I remember we did the the quotes originally reducing down to, like, 400 and then down to, like, sort of as per needs, like a debt and a little bit of income replacement, things like that. Again, I could sort of look at doing it just a couple quotes up again for you and just send them off and see what that looks like. I know we did previously. You just want to keep it as is back then. But, obviously, that changes things a little bit.\n\nBut with that one there, I can do one for sort of, like, a a $2.50 amount and then sort of a couple other ones around that just to show you what it looks like for that life and TPD. Perfect. One of the other things that I do need there, Brett, is just an updated ID. So before we implement any of the advice anyway, so even if you said happy days this advice or not, we can still go ahead with the insurance reduction anyway depending on whether or not you you like the the update that we're recommending or not because it is a product that you currently hold. We're recommending that in the advice piece today that you maintain that anyway.\n\nSo a simple change of that one's just like a a record of advice where we'll just make a note that we had a discussion. Obviously, you know, the risks around being underinsured, you know, time left if you were to be injured and unable to work, those sort of things. You don't have long until you can access your superannuation anyway, even, like, as a conditional release, partially at the age of 60. So that's something you've got on your side there as well. But I will send you an email just requesting your ID.\n\nSo to update that, we need to be able to have a a valid ID on file, which has expired, unfortunately. So I'll just send that to brett scrying oh, sorry. Scrying68@gmail.com. And if you could just reply from back, which is like a an ID, so whether that's a passport or driver's license, we'll get that verified and update. So I'll send that through now.\n\nIn addition to that one, I will be sending through this Odusign, a bit different to the DocuSigns you've used previously. But with this one, I'll have some email attachments. You'll have the statement in via the appendix. You'll also have financial services guide, an OQ services guide, the updated copies of that one with those business changes. They have updated everything.\n\nAnd then also there's the PDF fee at your superannuation there as well. And there are a couple signable documents there. So that's just being a bit painful there. So with that one there, the signable documents will have your ongoing service agreement. And then also in addition to the ongoing service agreement, you will have that statement in advice if you were happy with everything.\n\nSo if you're obviously on for the next twelve months, that'll be the document that allows you to do so, plus the recommendation we're making in relation to the superannuation side of things. Now it is just playing up, so bear with me while I just create that document again just to send out. Sorry. I had it set up to send out, but it just came out with an error message. I'll just have to create it again quickly.\n\nSorry for going quiet there. It just takes a second to put all the attachments back into the email. Perfect. So you should have that one there shortly. Now the today there, Brett, how much time do you have to run through this document?\n\nBecause I can run through it quite quickly. It is quite a a simple statement there. And then you can have some time to go through it this afternoon, have a little look at that one if you like, or I can go a little bit in-depth depending on how much time you've got on your hands. Yeah. Not a problem.\n\nSo as I said, it's quite a straightforward statement of advice piece there today. Anyway, so it shouldn't take too long to get through there. But has that email shown up in your inbox there yet? Yeah. There should be a separate one there.\n\nIt may just take a second to come through there. While that's coming through, I'll just start explaining what the document is there today there. So it was obviously finalized on the February 23. When you see those prepared for yourself by myself, Kyle, and that's my authorized representative number. I know OPU's financial services license and in addition to the the team that put this all together.\n\nSo I just put it together in your best interest, Judy. If we can't put you in a better position, we don't recommend it, which is what that is. And then in regards to the scope of the advice, we basically just settled on the superannuation estate planning side of things. Obviously, things have come up with the insurance as well that may need addressing. I'll send you off those quotes again for you to be able to have a look at and review.\n\nBut in saying that, the it won't affect the advice piece in the sense that we're still gonna get you to retain the policy. Obviously, giving your agent stage, you don't probably wanna go to underwriting again. You may end up with other loadings and exclusions that you don't currently have on your your current policy there as well. In addition to that one, I know you were sort of doing some budgeting and saving there in regards to you were gonna do a few renovations around the house and things like that, but we're happy budgeting that for yourself in addition to that one with the the money that you had come in. So you're probably well and above sort of what you're able to do in terms of your upgrades there, so that's fine.\n\nSame in regards to debt management and paying down your your debts to your primary residence there. We weren't touching on that one. We did mention a sort of money smart calculator having a play around in that. If you did wanna sort of have a see what it might look like in the the amount you had left in paying that down to retirement, but as far as the advice and our recommendation, we didn't touch on that as well. In relation to investments, I know potentially as well, you were expecting a potential inheritance to come through at some point and maybe doing something with that money as well.\n\nBut at this point, that's scoped out in addition to, obviously, property there as well and being able to pay repurchase something for your children. Obviously, we've got the the mortgage brokers we work with in conjunction and can provide sort of their details to be able to go through that and start that process if you did wanna start looking at maybe purchasing an investment property for the children, things like that as well. Now in regards to document, there is a limited advice warning. So, basically, this document here is, basically pertaining to the the not only just the the superannuation but the estate planning side of things. Everything else, we're aware of.\n\nWe're kind of accountability partners at the moment, but we're not currently making any recommendations on those, if that makes sense. Perfect. Now it is quite simple in the sense that we are recommending you attain not only insurances, but that NetWell superannuation there as well. In addition to that one, we did compare a few market alternatives. There were some out there that was slightly cheaper.\n\nThere were some out there that had some other benefits. But given the time you've been in Netwealth, the capital gains that would apply if you left Netwealth, in addition to the services and how they are as a product in the market, they're still quite competitive in terms of, like, the features they offer and the cost you pay. So we're just recommending you retain that fund. So we did compare a few of those alternatives. And then we're just looking at changing those underlying investments.\n\nSo you were quite heavily invested in the the Bennelong, that actively managed fund. From yep. So within regards to that one, so obviously, COVID had its effects. And then from there, you're traveling quite nicely. Then obviously, the tariff talk with Trump was a bit of a dip, and then it started to recover quite nicely.\n\nBut then given what occurred with Ben Long and that underlying asset that was done for accounting and not reporting correctly, caused that portfolio to basically take a little bit of a backwards turn this year. Then saying that we're looking at adjusting that, changing that out so that moving forward, you don't have that sort of market volatility within regards to managed funds at least anyway and still maintaining that level of growth that you're getting out of your superannuation with just different asset classes. Now can you see the the email there with the documents there at all there, Brett? Yeah. We have had issues with it being quite slow sometimes.\n\nNot an issue. I can just run through it, and then you obviously have some time to look through it in your own time. It's valid to thirty days from when we sort of like the documents finalized. So thirty days from the twenty third of the second there. And then from there, it's valid for another thirty as long as nothing sort of major has changed that affects the advice.\n\nAnd given that it's just an investment update, that should be fine. Page eight and nine, you'll see your details to just confirm that they are all correct. We have updated the the liability on the the mortgage there as well. In addition to that one, you've got your credit card debit. Obviously, that's just based on the same way that, you know, banks calculate with the the credit card debt.\n\nI know you're able to sort of pay it off quite regularly, but it's just based on what we'll have there for that one. So just the $3,000 value. In addition to the net wealth there, you've obviously got the AIA policy that is attached to that and paid through the rollovers over that. And with that one, it's for that 426,000 of life and around the 406 of total permanent disability. Now as I said, I'll do up some more quotes for you there, request those, and then we can send those to you to have a look at and see what you might wanna do in terms of, like, costs and the cover you might need.\n\nIn addition to that one, you are getting quite close, you know, to that age of 60 where you can access your super, so you might not need it in a few more years if that makes sense as well. In the event that something did happen, you would potentially, as long as you're over the age of 60, made a conditional release to be able to access your super. Obviously, in regards to that, you don't wanna sort of be eating into your superannuation too much because that is your retirement money there as well. And then you sort of just be relying on government assistance programs, things like that as well. But at least you've got that access there in a few years' time.\n\nNow in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment. So with that, I know, you know, sooner, the better when it comes to retirement, but you're sort of still happy to work through to the age of 67 should you need to get to that sorta pension age there as well to assist in your retirement. So with that one there, you still have plenty of time to maintain that level of exposure to growth assets. And as I said, we're looking at removing the active portion anyway in regards to that. So you wouldn't be looking to, like, try and outperform the market for that higher cost.\n\nWe're actually looking at going a bit more passive to where you don't have those active managed funds, but with that, it lowers the investment cost quite significantly. And then given that as well, it lowers that management risk, which can cause those fluctuations like what occurred in Benelong with the waiting that you did have in your portfolio. So moving forward, you obviously if the markets travel well with that, it's more indexed approach that will still continue to perform quite well and add a cheaper cost there as well. One of the risks is is obviously if the markets do stagnate just a little bit then, so with your your your superannuation there as well in terms of the returns because it's not trying to outperform the market. You don't have those active managers.\n\nBut in saying that that you just do what the market's doing, you don't have the risk of going, like, double double sided the wrong way, like, like, been along did there as well. Now within regards to that maintaining, you obviously don't pay that capital gains or as much when it comes to switching the investment. There will be a slight capital gain given that over historically, you know, you have had quite good returns overall. So you will have to pay some capital gains on switching those investments. But with that, you'll still have a platform that's quite flexible to be able to do those transition retirement strategies later on and things like that as well and being able to choose the portfolios that we currently have.\n\nDo you have any questions in regards to the the platform or anything like that, Brett? Perfect. Now, obviously, you know, there's obviously risks in the sense that you are sort of buying and selling, so there's a cost associated with that one switching up investments. Also, the time out of the market for the investments that have been sold down to cash. But with that, it is sort of not the majority of your port portfolio.\n\nIt makes up for given that that little bit of a loss with Benelon recently to be that you'll be buying into some new assets while the rest of it still remains invested that has been performing well. And then with that, we did look at this sort of, you know, holding on to Bennelong, what that might look like, but there's not much confidence in them moving forward given the past few years of performance plus what occurred at the end of last year. And then with that, there's funds that we're recommending that a lower risk in terms of that investment risk. And in addition to that, they're lower costs, so you'll save as well. We also looked at still switching, but we've given you time sort of till the age of 60 where you might wanna be start drawing down and things like that.\n\nPaying that high capital gains now can really sort of affect your your growth and that compounding effect for the amounts and lowering that balance. So on page 16, not that you can see it, you'll be able to see the buyers and sales. So with that, you will be switching from the bed along there will be a slight adjustment for the gold portion in that as well given that sounds so well. And then you'll be selling down of the Vanguard fixed interest. And then also, there's a a Miski fund, which is sort of the investment outside of The US and more Europe focused, that Europe, Asia.\n\nAnd then you'll be switching to a Vanguard all world excluding The US, which is basically the alternative for that, Miski there. It is that cheaper cost ongoing. In addition to that one there, you'll just be switching to the BetaShares 200, which is basically the Australian equities that's switching out for the Benelon. So that's just, like, the top 200 companies in Australia. And then you'll have an iShares core composite bond.\n\nSo that's kind of like the the switches there in terms of what's going and what's coming in. And then gold's just being adjusted just a little bit. Now as far as the allocation goes, you will have actually a slightly higher allocation growth assets, and that's only due because we consider at the moment alternative growth assets to the gold being 10% to be a 100% growth at the moment, which means that it does bump up technically. But in saying that gold can be considered quite offensive in market turnarounds there as well. And if this is that one, you still have your bond and a few other portions of that portfolio.\n\nThat does still mean you're quite defensive with that 14% total, and, obviously, gold can be considered a bit of a split, but currently, it's all all growth. So you will increase your exposure slightly to growth assets, but you will not have that manager risk that comes with the funds and things like that. And it also diversifies your portfolio a little bit more as well as your key holdings, the amount going into those. You've got about 30% in the S and P 500, but given that, you know, you've got quite the high allocation currently, the Bed along being 36% to a managed fund is quite high, and then the index is a lot more sort of stable and a safer sort of bet than managed funds and how they do return sort of year on year. Now with that one there as well, it will drop your investment fee down that $842 per annum in terms of the ongoing cost.\n\nAnd then overall, with the growth estimate, it will predict that your adviser fee will go up slightly for a year's worth of growth just based on the fact that one we're recommending is performing better in terms of your current investment. So overall, it's it estimates you're gonna be around sort of 701 bit dollars better off per annum just in terms of the total fees you're paying, plus the portfolio that you're going into has just been performed a bit better. Little less risk and then lower lower costs, which is your guaranteed savings, which you'll get for the next few years moving forward until you sort of hit that transition to retirement stage. Perfect. There are a few, like, percent projections there as well that show you what that might look like as a a difference in how that might be performing if everything was to replicate itself year on year.\n\nBut, obviously, projections to be taken with a grain of salt. You know, they're never sort of accurate because the markets never replicate year on year. And given that, you know, it seems like every second day someone's starting a new wall with someone else, it can be quite unpredictable. Yeah. Yeah.\n\nBasically, first, it was, you know, what was it? Venezuela being kidnapped, the dictator, and then, yeah, Iran's been bombed, and then they've retaliated. So it's just, yeah, one thing after another at the moment, unfortunately. Yeah. Well, it's amazing just what one tweet from, you know, someone like Trump can do in terms of, like, markets.\n\nYeah. As much as we like to think that it's all sort of numbers and analytics, when the markets are concerned, it is people at the end of the day buying and selling those assets. So a lot of it comes down to emotional bias and things like that as well when it comes to the buying and selling and things. As far as your estate planning side of things goes there as well, I know you have your your net wealth beneficiary there in force. But as far as the AIA, I don't believe it's ever been completed or it has been, and then somewhere along the line, it's sorta lapsed or it wasn't complete.\n\nI'm not too quite sure. But I know you've got Donna there as a 100% nonlapsing binding. So we are just recommending you nominate your spouse against that AIA policy. In addition to that one, obviously, spouses, a 100% of the time, will get the benefit tax free. Now I know that you've got the sort of adult children, but the adult children there, they'll be charged a tax on top of that.\n\nSo they won't get the benefit tax free because they're no longer tax dependent unless, obviously, they come back home living at home and you're paying sort of their way and things like that as well. And then they might sort of receive it for pun? Yeah. Exactly. Unfortunately, it's a lot harder to prove when it comes to the super side of things there as well.\n\nThe other option is obviously to leave it to your will and to be distributed that way. You don't have to pay the the Medicare levy there if it was to go through the will, which is a bit of a benefit, but you will sort of still pay tax when going to the the estate as well. So those are the sort of options there that we're recommending you do your your spouse. Again, much like before, and I know you just haven't looked at your will for a while, so we do recommend that you go, you know, have a conversation with yeah. And yeah.\n\nSo that was the recommendation there as well. It's just to review that. We'll make sure it is all up to date, especially, you know, given that things have quite changed in terms of, like, bit of money coming in there. Same if if you were to get an inheritance as well and be completely debt free. And if you were to know, purchase investment properties, things like that, all those make quite a difference as well when it comes down to the estate planning matters.\n\nPerfect. Now as far as your ongoing services, they don't change at all. Obviously, you can have a look at the the new FSG and services guide there that they've done up and see what you're sort of entitled to as an ongoing client. As far as the adviser fee, they are looking at, you know, changing the fee structure eventually. But at the moment, it's still that 1.65 there.\n\nIt has the estimated adviser fee around that sort of $3,456 as an annualized premium if your super was to grow based on the recommended projections. So that is an estimate of what that might look like, and then we do still get 22% of the premiums of the AIA policy for keeping it in force, which is around the 1,200. Now that's not to say that you pay that additional on top of what you pay to AIA. We just get a commission from AIA, and we have to disclose that just based on the fact that we're getting remuneration from it for maintaining that policy, if that makes sense. Perfect.\n\nSo as far as, like, upfront cost, things like that, it's not upfront or anything. It's just the ongoing that you're currently paying. If you were to sign the document, you're happy with the investment update, we do that all on the back end there for you. Obviously, you know, it is quite a straightforward document there. There's a few things that we did touch on, but we didn't provide advice on at this point.\n\nSo that sort of things for later dates there as well, so we're aware of. We've got them noted there just to keep an eye on them, keep you accountable sort of things as well. Ask you sort of every 12 just to make sure you don't forget as well, much like that will. In addition, if you did want advice on it in the future, it makes it a lot easier there as well. So in addition to that, if you were to sign, we do that change in the back end.\n\nIt wouldn't change anything else there for you, and then we can send you a copy of those beneficiary forms there as well for the AIA policy. Would you like that just like to be mailed to you or emailed? Perfect. I'll get the team to email a copy there, and I'm I'll even ask them to prefill it for you there as well just with your your partner's details. But do you have any questions in regards to that document roll there, Brett?\n\nAs I said, it is quite quite straightforward. Yep. Perfect. As I said, you got plenty of time. In the meantime, though, if you could get us a copy of your your ID there, the most up to date one there as well.\n\nOh, brilliant. That's perfect. I'll get on to that, and I'll get that one actioned there for you. And then, yeah, we do have here too that the last contribution you got from your Central Coast Football Club is around the 288 there. Have you started taking, like, a wage plus them contributing to your super, or is that just what you got in terms of, like, the amount you for the work you did this year or last year?\n\nAlright. Not a problem. It just yeah. It just seemed a little bit less. I wasn't sure if you changed up your pay structure or things like that.\n\nPardon? I only got it for $288 in terms of the contribution amount that went in, which I think the previous year, it was closer to the 1,500. Yeah. Something. That's why I was sort of just double checking.\n\nI'll just bring up contributions again. I'll see that the last one was compared to this one. Yes. On the 2026, it went in for $288. And then the last one prior to that, I'll just see where that one was.\n\nIt was around 2,400. Yeah. That's what I was a little bit confused just when I was looking at it because it's obviously quite easy to see what the Central Coast Football Club and what they're they're putting in there. Yeah. Since you've been on board, they've had, yeah, just that one in 2024 and then that last one there in the year 2026, month of the first.\n\nYeah. Yeah. Sorry. I thought you were speaking to someone else. Yeah.\n\nYep. Okay. Yeah. Because I can just see the I was just looking at the employer super guarantee contribution amount. Pardon?\n\nOh, the salary sacrifice there was from sorry. I'm just having a quick look here. So you you're salary sacrificing there currently with your current employer there as well, or is it salary sacrifice in terms With because it's the last one in 2024 came as employer super guarantee contribution, and then there's that one there. And then, yeah, there is also a salary sacrifice contribution, but I can't see what it was for. Like, it doesn't actually list it for an hour.\n\nAnd so that salary sacrifice contribution made in 2026 was also from the football club? Okay. Do you know what the the other amount would be for then as well? Yeah. No.\n\nIt still says that one there is from Central Coast Football. Is it $2.80 out there as well? Unless they're paying you, like, that's your salary that you fully salary sacrifice in, and then you've got the 288 there as well that's, like, on top of the the 2,400 that you earn. I'm not too sure how the accountant has been doing it, but you can I can see the salary sacrifice amounts going in, and then I can see, yeah, just a couple additional payments there as well? So in 2024, it's employer a contribution, and then the salary sacrifice amount.\n\nYou've got 2023 was a salary sacrifice contribution, 2025 was sales tax, and then 2026 was sales tax. And then you've also got the employer paid contribution. There's a $288 on the ninth of the first as well. Yeah. So I'm not too sure because, obviously, you're able to sell sacrifice the amount of 2,400.\n\nSo I'm not too sure if they've realized they should have been paying you super on top of that as well for that amount or they just started doing it, but you got an extra $288 there as well. Okay. Crazy. I mean, free money is free money, so don't ask where it comes from. Don't complain.\n\nNot a problem. But do you have any questions for me there, Brett, in regards to anything else or anything that was discussed there? Yep. In terms of, like, us just making a change without informing you sort of thing? Yes.\n\nSo, obviously, it's like extenuating circumstance, I think. So during COVID and a few other circumstances when it came to, like, those sort of events, the investment community has made, like, company wide decisions to, you know, just blanket to, like, a recorded advice for changing this due to these reasons. Obviously, in regards to Bennelong, it was something that it wasn't sort of foreseen. Like, with the global pandemic, you could see it, like, sort of coming with what was occurring. In terms of the Benelung, the reason that caused it to dip so so you can fill in so quickly was largely due to the corporate traveler investment that got done for not reporting correctly.\n\nAnd the only way you sort of would have known about that was if you yeah. What yeah. If you had a little bit of insider knowledge in regards to that, because after that was announced, it dipped really quite significantly. And then throughout the sort of back December, it's just basically gone, you know, your ups and your downs, your ups and your downs. It doesn't really go on anywhere.\n\nIt's remained quite stagnant. Even year to date, I think it's only it went up to, like, 4% back, and now it's only sort of sitting at point 2% back for the year. So, yeah, unless you sort of knew prior to, you know, the November there that that was gonna occur, you really hadn't sort of no knowledge that it was gonna dip that significantly and that quickly because it was, like, 20% over the course of, like, a month. So quite a significant dip. The other one that crashed more, I think, was your cryptocurrencies if you ever doubled in those as well.\n\nBut, yes, as it like, as they've done a review of that, they have decided as an investment key to move away from Benelung, which is part of, like, the update there as well. No problem. Do you have any questions in regards to that one there, Brett? Too easy. Obviously, yeah, have a read through document, come back with any questions.\n\nI'll get those quotes done up. Maybe I'll get them this afternoon or maybe sometime tomorrow, and I'll just shoot you an email with those different amounts there as well. Too easy. Well, you enjoy the rest of your day at work there, Brett. Thanks for your time, and I'm sure we'll speak soon.\n\nCheers. Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Brett.","start":3.04,"end":3.84,"sentiment":"positive","sentiment_score":0.37800852457682294},{"text":"It's Carl calling from OQ Financial.","start":3.84,"end":5.44,"sentiment":"neutral","sentiment_score":0.2463029349843661},{"text":"How are you, sir?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.30800069123506546},{"text":"Yeah.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.2818799614906311},{"text":"Not too bad at all.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.3615319848060608}],"sentiment":"neutral","sentiment_score":0.3122834649525191,"num_words":19,"start":3.04,"end":9.28},{"sentences":[{"text":"Thanks for asking.","start":9.28,"end":10.08,"sentiment":"positive","sentiment_score":0.6452722152074178},{"text":"I had do you schedule in for that presentation this afternoon?","start":10.08,"end":12.799999,"sentiment":"neutral","sentiment_score":0.2313091985204003},{"text":"Is now still a good time for you?","start":12.799999,"end":14.235,"sentiment":"neutral","sentiment_score":0.32350969314575195},{"text":"Great.","start":17.115,"end":17.615,"sentiment":"positive","sentiment_score":0.7478405237197876},{"text":"Just to get started on that one, Brett, if I could just pass you through security, just that name, date of birth, and current address, we'll get started on that one.","start":17.675,"end":23.695,"sentiment":"positive","sentiment_score":0.3700406753247784}],"sentiment":"positive","sentiment_score":0.3571740154314924,"num_words":54,"start":9.28,"end":23.695},{"sentences":[{"text":"Right.","start":34.65,"end":34.97,"sentiment":"neutral","sentiment_score":0.15228043496608734},{"text":"Thanks for that on there, Brett.","start":34.97,"end":36.35,"sentiment":"positive","sentiment_score":0.4191930741071701},{"text":"Now as I said, apologies for sort of how long this is taking to put together.","start":37.13,"end":40.975002,"sentiment":"neutral","sentiment_score":-0.27501646615564823},{"text":"I know we were talking about those insurance recently.","start":40.975002,"end":42.895,"sentiment":"neutral","sentiment_score":-0.2593723022275501},{"text":"You did raise again sort of the cost of those and maybe wanting to revisit that again.","start":42.895,"end":47.075,"sentiment":"neutral","sentiment_score":-0.2757995014681536}],"sentiment":"neutral","sentiment_score":-0.17868911885485358,"num_words":49,"start":34.65,"end":47.075},{"sentences":[{"text":"Yeah.","start":49.615,"end":49.935,"sentiment":"neutral","sentiment_score":0.008770512416958809},{"text":"So with this one here, because of the previous conversation by the end of last year, obviously, there's a few business changes, I think I mentioned, that were going on towards the end of last year.","start":49.935,"end":57.66,"sentiment":"neutral","sentiment_score":-0.05773326946008536},{"text":"So it took a while just to sort of change sort of the CRMs and where they were operating there.","start":57.66,"end":61.9,"sentiment":"neutral","sentiment_score":-0.09267622455954552},{"text":"So it took a while to get these documents sorted out.","start":61.9,"end":64.0,"sentiment":"neutral","sentiment_score":-0.10873163152824748},{"text":"But this is just basically saying to maintain your current level insurances.","start":64.46,"end":67.44,"sentiment":"neutral","sentiment_score":-0.020135100193632145}],"sentiment":"neutral","sentiment_score":-0.06701026035589167,"num_words":80,"start":49.615,"end":67.44},{"sentences":[{"text":"But following this conversation, I can send you out, like I did last time, the quotes of the reduction sort of amounts and what that looks like again for you to have a review of if you'd like.","start":67.5,"end":76.125,"sentiment":"neutral","sentiment_score":0.054532289701072795},{"text":"Yep.","start":95.415,"end":95.915,"sentiment":"neutral","sentiment_score":-0.14028576016426086},{"text":"Yeah.","start":98.055,"end":98.375,"sentiment":"neutral","sentiment_score":-0.13891814649105072},{"text":"I did see that that came down quite quite a whack there from what it was previously.","start":98.375,"end":103.195,"sentiment":"neutral","sentiment_score":-0.2893412389299449},{"text":"So yeah.","start":104.855,"end":105.33501,"sentiment":"neutral","sentiment_score":-0.07531983405351639}],"sentiment":"neutral","sentiment_score":-0.05553250216831595,"num_words":59,"start":67.5,"end":105.33501},{"sentences":[{"text":"So with that one because I remember we did the the quotes originally reducing down to, like, 400 and then down to, like, sort of as per needs, like a debt and a little bit of income replacement, things like that.","start":105.33501,"end":116.15,"sentiment":"neutral","sentiment_score":0.04678804477358737},{"text":"Again, I could sort of look at doing it just a couple quotes up again for you and just send them off and see what that looks like.","start":116.770004,"end":122.37,"sentiment":"neutral","sentiment_score":0.254631978060518},{"text":"I know we did previously.","start":122.37,"end":123.354996,"sentiment":"neutral","sentiment_score":0.09944620579481125},{"text":"You just want to keep it as is back then.","start":123.354996,"end":126.134995,"sentiment":"neutral","sentiment_score":0.07870151996612548},{"text":"But, obviously, that changes things a little bit.","start":126.354996,"end":128.355,"sentiment":"neutral","sentiment_score":0.04041477246209979}],"sentiment":"neutral","sentiment_score":0.11582140901895321,"num_words":92,"start":105.33501,"end":128.355},{"sentences":[{"text":"But with that one there, I can do one for sort of, like, a a $2.50 amount and then sort of a couple other ones around that just to show you what it looks like for that life and TPD.","start":128.355,"end":138.375,"sentiment":"neutral","sentiment_score":0.11825662292540073},{"text":"Perfect.","start":141.20001,"end":141.70001,"sentiment":"positive","sentiment_score":0.7172141075134277},{"text":"One of the other things that I do need there, Brett, is just an updated ID.","start":141.92001,"end":145.12001,"sentiment":"neutral","sentiment_score":0.1974121332168579},{"text":"So before we implement any of the advice anyway, so even if you said happy days this advice or not, we can still go ahead with the insurance reduction anyway depending on whether or not you you like the the update that we're recommending or not because it is a product that you currently hold.","start":145.12001,"end":160.27501,"sentiment":"neutral","sentiment_score":0.09439575685696168},{"text":"We're recommending that in the advice piece today that you maintain that anyway.","start":160.27501,"end":163.655,"sentiment":"neutral","sentiment_score":0.3034505924353233}],"sentiment":"neutral","sentiment_score":0.14194157987833023,"num_words":125,"start":128.355,"end":163.655},{"sentences":[{"text":"So a simple change of that one's just like a a record of advice where we'll just make a note that we had a discussion.","start":164.195,"end":170.66,"sentiment":"neutral","sentiment_score":0.12335920587182045},{"text":"Obviously, you know, the risks around being underinsured, you know, time left if you were to be injured and unable to work, those sort of things.","start":170.66,"end":177.14,"sentiment":"neutral","sentiment_score":-0.14463911792979792},{"text":"You don't have long until you can access your superannuation anyway, even, like, as a conditional release, partially at the age of 60.","start":177.14,"end":183.96,"sentiment":"neutral","sentiment_score":-0.07576087040259787},{"text":"So that's something you've got on your side there as well.","start":184.515,"end":186.77501,"sentiment":"neutral","sentiment_score":0.054412133314392784},{"text":"But I will send you an email just requesting your ID.","start":187.075,"end":189.63501,"sentiment":"neutral","sentiment_score":0.04625525799664584}],"sentiment":"neutral","sentiment_score":-0.01366453785643292,"num_words":96,"start":164.195,"end":189.63501},{"sentences":[{"text":"So to update that, we need to be able to have a a valid ID on file, which has expired, unfortunately.","start":189.63501,"end":194.695,"sentiment":"neutral","sentiment_score":-0.050731120187611806},{"text":"So I'll just send that to brett scrying oh, sorry.","start":195.795,"end":200.11,"sentiment":"neutral","sentiment_score":0.08976655174046755},{"text":"Scrying68@gmail.com.","start":200.41,"end":202.83,"sentiment":"neutral","sentiment_score":0.038967564702034},{"text":"And if you could just reply from back, which is like a an ID, so whether that's a passport or driver's license, we'll get that verified and update.","start":203.29,"end":210.33,"sentiment":"neutral","sentiment_score":0.24653470489595616},{"text":"So I'll send that through now.","start":210.33,"end":211.695,"sentiment":"neutral","sentiment_score":0.2340297450621923}],"sentiment":"neutral","sentiment_score":0.12391560250949679,"num_words":66,"start":189.63501,"end":211.695},{"sentences":[{"text":"In addition to that one, I will be sending through this Odusign, a bit different to the DocuSigns you've used previously.","start":211.93501,"end":216.91501,"sentiment":"neutral","sentiment_score":0.1335687775697027},{"text":"But with this one, I'll have some email attachments.","start":217.535,"end":219.695,"sentiment":"neutral","sentiment_score":0.17096865508291456},{"text":"You'll have the statement in via the appendix.","start":219.695,"end":221.475,"sentiment":"neutral","sentiment_score":0.221905916929245},{"text":"You'll also have financial services guide, an OQ services guide, the updated copies of that one with those business changes.","start":221.85501,"end":227.03,"sentiment":"neutral","sentiment_score":0.18279559910297394},{"text":"They have updated everything.","start":227.03,"end":228.25,"sentiment":"positive","sentiment_score":0.3944275230169296}],"sentiment":"neutral","sentiment_score":0.18310534893985717,"num_words":62,"start":211.93501,"end":228.25},{"sentences":[{"text":"And then also there's the PDF fee at your superannuation there as well.","start":228.87,"end":232.15,"sentiment":"neutral","sentiment_score":0.1787436272089298},{"text":"And there are a couple signable documents there.","start":232.15,"end":234.31,"sentiment":"neutral","sentiment_score":0.032459015026688576},{"text":"So that's just being a bit painful there.","start":234.31,"end":239.175,"sentiment":"neutral","sentiment_score":-0.26835991349071264},{"text":"So with that one there, the signable documents will have your ongoing service agreement.","start":239.175,"end":245.195,"sentiment":"neutral","sentiment_score":0.049393107050231526},{"text":"And then also in addition to the ongoing service agreement, you will have that statement in advice if you were happy with everything.","start":245.335,"end":251.095,"sentiment":"neutral","sentiment_score":0.2448331039884816}],"sentiment":"neutral","sentiment_score":0.10241098267336686,"num_words":66,"start":228.87,"end":251.095},{"sentences":[{"text":"So if you're obviously on for the next twelve months, that'll be the document that allows you to do so, plus the recommendation we're making in relation to the superannuation side of things.","start":251.095,"end":260.18,"sentiment":"neutral","sentiment_score":0.2324796621546601},{"text":"Now it is just playing up, so bear with me while I just create that document again just to send out.","start":260.48,"end":266.58,"sentiment":"neutral","sentiment_score":-0.11577343337592624},{"text":"Sorry.","start":272.905,"end":273.225,"sentiment":"neutral","sentiment_score":-0.28074949979782104},{"text":"I had it set up to send out, but it just came out with an error message.","start":273.225,"end":276.98502,"sentiment":"negative","sentiment_score":-0.3348967244519907},{"text":"I'll just have to create it again quickly.","start":276.98502,"end":279.565,"sentiment":"neutral","sentiment_score":-0.2406357191503048}],"sentiment":"neutral","sentiment_score":-0.03323116023093462,"num_words":80,"start":251.095,"end":279.565},{"sentences":[{"text":"Sorry for going quiet there.","start":323.265,"end":324.545,"sentiment":"neutral","sentiment_score":-0.32621431946754453},{"text":"It just takes a second to put all the attachments back into the email.","start":324.545,"end":327.84,"sentiment":"neutral","sentiment_score":-0.08152612351945468},{"text":"Perfect.","start":348.89502,"end":349.215,"sentiment":"positive","sentiment_score":0.659403920173645},{"text":"So you should have that one there shortly.","start":349.215,"end":350.915,"sentiment":"positive","sentiment_score":0.5350975133478642},{"text":"Now the today there, Brett, how much time do you have to run through this document?","start":351.375,"end":355.33,"sentiment":"neutral","sentiment_score":-0.05880862730555236}],"sentiment":"neutral","sentiment_score":0.027882015078582546,"num_words":44,"start":323.265,"end":355.33},{"sentences":[{"text":"Because I can run through it quite quickly.","start":355.33,"end":356.77,"sentiment":"neutral","sentiment_score":0.024892629124224186},{"text":"It is quite a a simple statement there.","start":356.77,"end":359.01,"sentiment":"neutral","sentiment_score":0.23836577031761408},{"text":"And then you can have some time to go through it this afternoon, have a little look at that one if you like, or I can go a little bit in-depth depending on how much time you've got on your hands.","start":359.01,"end":366.47,"sentiment":"neutral","sentiment_score":0.13583644752095386},{"text":"Yeah.","start":374.125,"end":374.525,"sentiment":"neutral","sentiment_score":0.1216946467757225},{"text":"Not a problem.","start":374.525,"end":375.16498,"sentiment":"neutral","sentiment_score":0.07843956847985585}],"sentiment":"neutral","sentiment_score":0.13167827698539514,"num_words":61,"start":355.33,"end":375.16498},{"sentences":[{"text":"So as I said, it's quite a straightforward statement of advice piece there today.","start":375.16498,"end":381.425,"sentiment":"neutral","sentiment_score":0.2471069400863988},{"text":"Anyway, so it shouldn't take too long to get through there.","start":381.89,"end":386.05002,"sentiment":"neutral","sentiment_score":0.2171956260095943},{"text":"But has that email shown up in your inbox there yet?","start":386.05002,"end":388.55002,"sentiment":"neutral","sentiment_score":0.05299388685009696},{"text":"Yeah.","start":393.25,"end":393.65,"sentiment":"neutral","sentiment_score":0.054075587540864944},{"text":"There should be a separate one there.","start":393.65,"end":395.91,"sentiment":"neutral","sentiment_score":0.06686583640319961}],"sentiment":"neutral","sentiment_score":0.15803905102339658,"num_words":44,"start":375.16498,"end":395.91},{"sentences":[{"text":"It may just take a second to come through there.","start":423.23502,"end":426.695,"sentiment":"neutral","sentiment_score":0.05930044874548912},{"text":"While that's coming through, I'll just start explaining what the document is there today there.","start":432.82,"end":436.66,"sentiment":"neutral","sentiment_score":0.12156252165635427},{"text":"So it was obviously finalized on the February 23.","start":436.66,"end":440.44,"sentiment":"neutral","sentiment_score":0.23126689592997232},{"text":"When you see those prepared for yourself by myself, Kyle, and that's my authorized representative number.","start":440.82,"end":446.605,"sentiment":"neutral","sentiment_score":0.17378122732043266},{"text":"I know OPU's financial services license and in addition to the the team that put this all together.","start":446.605,"end":451.585,"sentiment":"neutral","sentiment_score":0.17304029481278527}],"sentiment":"neutral","sentiment_score":0.15283925469745607,"num_words":68,"start":423.23502,"end":451.585},{"sentences":[{"text":"So I just put it together in your best interest, Judy.","start":451.725,"end":453.64502,"sentiment":"neutral","sentiment_score":0.2885700802911412},{"text":"If we can't put you in a better position, we don't recommend it, which is what that is.","start":453.64502,"end":457.665,"sentiment":"negative","sentiment_score":-0.7170589632458158},{"text":"And then in regards to the scope of the advice, we basically just settled on the superannuation estate planning side of things.","start":458.27,"end":463.97,"sentiment":"neutral","sentiment_score":-0.07201915225860747},{"text":"Obviously, things have come up with the insurance as well that may need addressing.","start":464.03,"end":467.15,"sentiment":"neutral","sentiment_score":-0.1221348981239966},{"text":"I'll send you off those quotes again for you to be able to have a look at and review.","start":467.15,"end":471.16998,"sentiment":"neutral","sentiment_score":0.2218075751474029}],"sentiment":"neutral","sentiment_score":-0.1049137672719856,"num_words":84,"start":451.725,"end":471.16998},{"sentences":[{"text":"But in saying that, the it won't affect the advice piece in the sense that we're still gonna get you to retain the policy.","start":472.42502,"end":477.225,"sentiment":"neutral","sentiment_score":0.05560194629166896},{"text":"Obviously, giving your agent stage, you don't probably wanna go to underwriting again.","start":477.225,"end":480.585,"sentiment":"neutral","sentiment_score":-0.14002886049162883},{"text":"You may end up with other loadings and exclusions that you don't currently have on your your current policy there as well.","start":480.585,"end":486.72,"sentiment":"neutral","sentiment_score":-0.22021921182220633},{"text":"In addition to that one, I know you were sort of doing some budgeting and saving there in regards to you were gonna do a few renovations around the house and things like that, but we're happy budgeting that for yourself in addition to that one with the the money that you had come in.","start":487.84,"end":500.64,"sentiment":"positive","sentiment_score":0.4199290397492322},{"text":"So you're probably well and above sort of what you're able to do in terms of your upgrades there, so that's fine.","start":500.64,"end":506.255,"sentiment":"positive","sentiment_score":0.5532594065774571}],"sentiment":"neutral","sentiment_score":0.22012538967229536,"num_words":136,"start":472.42502,"end":506.255},{"sentences":[{"text":"Same in regards to debt management and paying down your your debts to your primary residence there.","start":506.635,"end":511.135,"sentiment":"neutral","sentiment_score":0.16312122344970703},{"text":"We weren't touching on that one.","start":511.915,"end":513.435,"sentiment":"neutral","sentiment_score":0.06574729643762112},{"text":"We did mention a sort of money smart calculator having a play around in that.","start":513.435,"end":516.75,"sentiment":"neutral","sentiment_score":0.15069767038027446},{"text":"If you did wanna sort of have a see what it might look like in the the amount you had left in paying that down to retirement, but as far as the advice and our recommendation, we didn't touch on that as well.","start":516.91,"end":526.61,"sentiment":"neutral","sentiment_score":0.05805631774629271},{"text":"In relation to investments, I know potentially as well, you were expecting a potential inheritance to come through at some point and maybe doing something with that money as well.","start":527.71,"end":539.545,"sentiment":"neutral","sentiment_score":0.05562657229602337}],"sentiment":"neutral","sentiment_score":0.08642548166618154,"num_words":111,"start":506.635,"end":539.545},{"sentences":[{"text":"But at this point, that's scoped out in addition to, obviously, property there as well and being able to pay repurchase something for your children.","start":539.545,"end":547.45,"sentiment":"neutral","sentiment_score":0.18129048377275467},{"text":"Obviously, we've got the the mortgage brokers we work with in conjunction and can provide sort of their details to be able to go through that and start that process if you did wanna start looking at maybe purchasing an investment property for the children, things like that as well.","start":547.45,"end":559.875,"sentiment":"neutral","sentiment_score":0.18533979423344135},{"text":"Now in regards to document, there is a limited advice warning.","start":567.875,"end":570.835,"sentiment":"neutral","sentiment_score":-0.10069517994468863},{"text":"So, basically, this document here is, basically pertaining to the the not only just the the superannuation but the estate planning side of things.","start":570.835,"end":577.94995,"sentiment":"neutral","sentiment_score":-0.0401010102359578},{"text":"Everything else, we're aware of.","start":578.08997,"end":579.44995,"sentiment":"neutral","sentiment_score":-0.04087221547961235}],"sentiment":"neutral","sentiment_score":0.10021582176989835,"num_words":115,"start":539.545,"end":579.44995},{"sentences":[{"text":"We're kind of accountability partners at the moment, but we're not currently making any recommendations on those, if that makes sense.","start":579.44995,"end":585.14996,"sentiment":"neutral","sentiment_score":-0.05473852095504602},{"text":"Perfect.","start":587.225,"end":587.725,"sentiment":"positive","sentiment_score":0.5105041265487671},{"text":"Now it is quite simple in the sense that we are recommending you attain not only insurances, but that NetWell superannuation there as well.","start":588.345,"end":595.325,"sentiment":"neutral","sentiment_score":0.32475699732700986},{"text":"In addition to that one, we did compare a few market alternatives.","start":595.385,"end":598.205,"sentiment":"neutral","sentiment_score":0.1494108351568381},{"text":"There were some out there that was slightly cheaper.","start":598.6,"end":600.28,"sentiment":"neutral","sentiment_score":0.11083838674757215}],"sentiment":"neutral","sentiment_score":0.1484423675365857,"num_words":67,"start":579.44995,"end":600.28},{"sentences":[{"text":"There were some out there that had some other benefits.","start":600.28,"end":602.12,"sentiment":"neutral","sentiment_score":0.15984314754605294},{"text":"But given the time you've been in Netwealth, the capital gains that would apply if you left Netwealth, in addition to the services and how they are as a product in the market, they're still quite competitive in terms of, like, the features they offer and the cost you pay.","start":602.12,"end":614.415,"sentiment":"neutral","sentiment_score":0.22935383059084416},{"text":"So we're just recommending you retain that fund.","start":614.89496,"end":616.495,"sentiment":"neutral","sentiment_score":0.294378824532032},{"text":"So we did compare a few of those alternatives.","start":616.495,"end":618.435,"sentiment":"neutral","sentiment_score":0.10287442555030187},{"text":"And then we're just looking at changing those underlying investments.","start":619.13495,"end":621.95496,"sentiment":"neutral","sentiment_score":0.049474706687033174}],"sentiment":"neutral","sentiment_score":0.19358356894347176,"num_words":87,"start":600.28,"end":621.95496},{"sentences":[{"text":"So you were quite heavily invested in the the Bennelong, that actively managed fund.","start":622.415,"end":626.995,"sentiment":"neutral","sentiment_score":0.011684206048292773},{"text":"From yep.","start":627.72,"end":631.5,"sentiment":"negative","sentiment_score":-0.3610983565449714},{"text":"So within regards to that one, so obviously, COVID had its effects.","start":632.04,"end":636.43994,"sentiment":"neutral","sentiment_score":-0.15550726962586245},{"text":"And then from there, you're traveling quite nicely.","start":636.43994,"end":638.6,"sentiment":"neutral","sentiment_score":0.03168513346463442},{"text":"Then obviously, the tariff talk with Trump was a bit of a dip, and then it started to recover quite nicely.","start":638.6,"end":643.10504,"sentiment":"neutral","sentiment_score":-0.16090142939771926}],"sentiment":"neutral","sentiment_score":-0.09737112304489863,"num_words":57,"start":622.415,"end":643.10504},{"sentences":[{"text":"But then given what occurred with Ben Long and that underlying asset that was done for accounting and not reporting correctly, caused that portfolio to basically take a little bit of a backwards turn this year.","start":643.10504,"end":656.16504,"sentiment":"neutral","sentiment_score":-0.25865115308099323},{"text":"Then saying that we're looking at adjusting that, changing that out so that moving forward, you don't have that sort of market volatility within regards to managed funds at least anyway and still maintaining that level of growth that you're getting out of your superannuation with just different asset classes.","start":656.3,"end":672.685,"sentiment":"neutral","sentiment_score":0.0031744067859835923},{"text":"Now can you see the the email there with the documents there at all there, Brett?","start":675.145,"end":678.685,"sentiment":"neutral","sentiment_score":0.017224698793143034},{"text":"Yeah.","start":695.815,"end":696.135,"sentiment":"neutral","sentiment_score":-0.05364074930548668},{"text":"We have had issues with it being quite slow sometimes.","start":696.135,"end":698.875,"sentiment":"neutral","sentiment_score":-0.2860926903784275}],"sentiment":"neutral","sentiment_score":-0.10435127118598274,"num_words":113,"start":643.10504,"end":698.875},{"sentences":[{"text":"Not an issue.","start":699.41504,"end":700.215,"sentiment":"neutral","sentiment_score":-0.13510128110647202},{"text":"I can just run through it, and then you obviously have some time to look through it in your own time.","start":700.215,"end":704.395,"sentiment":"neutral","sentiment_score":-0.02511049381324223},{"text":"It's valid to thirty days from when we sort of like the documents finalized.","start":704.695,"end":708.94,"sentiment":"neutral","sentiment_score":0.10563019822750773},{"text":"So thirty days from the twenty third of the second there.","start":708.94,"end":711.58,"sentiment":"neutral","sentiment_score":0.12055232375860214},{"text":"And then from there, it's valid for another thirty as long as nothing sort of major has changed that affects the advice.","start":711.58,"end":716.4,"sentiment":"neutral","sentiment_score":0.08535009063780308}],"sentiment":"neutral","sentiment_score":0.052816565030477415,"num_words":71,"start":699.41504,"end":716.4},{"sentences":[{"text":"And given that it's just an investment update, that should be fine.","start":716.54004,"end":719.36005,"sentiment":"neutral","sentiment_score":0.27265442286928493},{"text":"Page eight and nine, you'll see your details to just confirm that they are all correct.","start":720.685,"end":724.60504,"sentiment":"neutral","sentiment_score":0.17904061637818813},{"text":"We have updated the the liability on the the mortgage there as well.","start":724.60504,"end":728.54504,"sentiment":"neutral","sentiment_score":0.11673363412802036},{"text":"In addition to that one, you've got your credit card debit.","start":729.085,"end":731.245,"sentiment":"neutral","sentiment_score":0.05868219414895231},{"text":"Obviously, that's just based on the same way that, you know, banks calculate with the the credit card debt.","start":731.245,"end":736.77997,"sentiment":"neutral","sentiment_score":0.021457658394386892}],"sentiment":"neutral","sentiment_score":0.12263718063772565,"num_words":71,"start":716.54004,"end":736.77997},{"sentences":[{"text":"I know you're able to sort of pay it off quite regularly, but it's just based on what we'll have there for that one.","start":736.77997,"end":741.81995,"sentiment":"neutral","sentiment_score":0.1385828380783399},{"text":"So just the $3,000 value.","start":741.81995,"end":744.07996,"sentiment":"neutral","sentiment_score":0.19739077091217042},{"text":"In addition to the net wealth there, you've obviously got the AIA policy that is attached to that and paid through the rollovers over that.","start":745.1,"end":751.16504,"sentiment":"neutral","sentiment_score":0.1345197758078575},{"text":"And with that one, it's for that 426,000 of life and around the 406 of total permanent disability.","start":751.22504,"end":757.805,"sentiment":"neutral","sentiment_score":0.08950915911959277},{"text":"Now as I said, I'll do up some more quotes for you there, request those, and then we can send those to you to have a look at and see what you might wanna do in terms of, like, costs and the cover you might need.","start":758.10504,"end":767.25,"sentiment":"neutral","sentiment_score":0.13575028830572314}],"sentiment":"neutral","sentiment_score":0.13162385160892698,"num_words":118,"start":736.77997,"end":767.25},{"sentences":[{"text":"In addition to that one, you are getting quite close, you know, to that age of 60 where you can access your super, so you might not need it in a few more years if that makes sense as well.","start":767.87,"end":776.53,"sentiment":"neutral","sentiment_score":0.16713635697960855},{"text":"In the event that something did happen, you would potentially, as long as you're over the age of 60, made a conditional release to be able to access your super.","start":777.125,"end":784.105,"sentiment":"neutral","sentiment_score":0.08429658537109692},{"text":"Obviously, in regards to that, you don't wanna sort of be eating into your superannuation too much because that is your retirement money there as well.","start":784.325,"end":790.8,"sentiment":"neutral","sentiment_score":-0.14285442548302504},{"text":"And then you sort of just be relying on government assistance programs, things like that as well.","start":791.27997,"end":795.45996,"sentiment":"neutral","sentiment_score":0.03505476498428513},{"text":"But at least you've got that access there in a few years' time.","start":796.0,"end":801.22,"sentiment":"neutral","sentiment_score":0.09715513942333368}],"sentiment":"neutral","sentiment_score":0.05840543329360939,"num_words":126,"start":767.87,"end":801.22},{"sentences":[{"text":"Now in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment.","start":801.44,"end":809.79504,"sentiment":"neutral","sentiment_score":0.1874865023419261},{"text":"So with that, I know, you know, sooner, the better when it comes to retirement, but you're sort of still happy to work through to the age of 67 should you need to get to that sorta pension age there as well to assist in your retirement.","start":809.85504,"end":821.49,"sentiment":"neutral","sentiment_score":0.31222927792275207},{"text":"So with that one there, you still have plenty of time to maintain that level of exposure to growth assets.","start":822.03,"end":826.67,"sentiment":"neutral","sentiment_score":0.2734619012102485},{"text":"And as I said, we're looking at removing the active portion anyway in regards to that.","start":826.67,"end":831.195,"sentiment":"neutral","sentiment_score":-0.005480054009240121},{"text":"So you wouldn't be looking to, like, try and outperform the market for that higher cost.","start":831.195,"end":834.975,"sentiment":"neutral","sentiment_score":-0.02610185235971585}],"sentiment":"neutral","sentiment_score":0.19624698895022152,"num_words":123,"start":801.44,"end":834.975},{"sentences":[{"text":"We're actually looking at going a bit more passive to where you don't have those active managed funds, but with that, it lowers the investment cost quite significantly.","start":835.035,"end":843.21497,"sentiment":"neutral","sentiment_score":0.21951213558869703},{"text":"And then given that as well, it lowers that management risk, which can cause those fluctuations like what occurred in Benelong with the waiting that you did have in your portfolio.","start":843.65,"end":851.03,"sentiment":"neutral","sentiment_score":0.1818554946972478},{"text":"So moving forward, you obviously if the markets travel well with that, it's more indexed approach that will still continue to perform quite well and add a cheaper cost there as well.","start":853.25,"end":861.105,"sentiment":"positive","sentiment_score":0.4570814482867718},{"text":"One of the risks is is obviously if the markets do stagnate just a little bit then, so with your your your superannuation there as well in terms of the returns because it's not trying to outperform the market.","start":861.725,"end":870.76495,"sentiment":"neutral","sentiment_score":-0.22191710722370026},{"text":"You don't have those active managers.","start":870.76495,"end":872.22,"sentiment":"neutral","sentiment_score":-0.17172745863596597}],"sentiment":"neutral","sentiment_score":0.12298040105687345,"num_words":136,"start":835.035,"end":872.22},{"sentences":[{"text":"But in saying that that you just do what the market's doing, you don't have the risk of going, like, double double sided the wrong way, like, like, been along did there as well.","start":872.54,"end":881.6,"sentiment":"neutral","sentiment_score":-0.15648939263294726},{"text":"Now within regards to that maintaining, you obviously don't pay that capital gains or as much when it comes to switching the investment.","start":883.89996,"end":889.905,"sentiment":"neutral","sentiment_score":-0.04166347160935402},{"text":"There will be a slight capital gain given that over historically, you know, you have had quite good returns overall.","start":889.905,"end":896.805,"sentiment":"neutral","sentiment_score":0.1893738653510809},{"text":"So you will have to pay some capital gains on switching those investments.","start":896.865,"end":899.605,"sentiment":"neutral","sentiment_score":0.08660818005983646},{"text":"But with that, you'll still have a platform that's quite flexible to be able to do those transition retirement strategies later on and things like that as well and being able to choose the portfolios that we currently have.","start":900.7,"end":911.36,"sentiment":"neutral","sentiment_score":0.29652524338318753}],"sentiment":"neutral","sentiment_score":0.07906177475355393,"num_words":129,"start":872.54,"end":911.36},{"sentences":[{"text":"Do you have any questions in regards to the the platform or anything like that, Brett?","start":914.875,"end":918.575,"sentiment":"neutral","sentiment_score":0.07483476831112057},{"text":"Perfect.","start":921.35504,"end":921.85504,"sentiment":"positive","sentiment_score":0.43813055753707886},{"text":"Now, obviously, you know, there's obviously risks in the sense that you are sort of buying and selling, so there's a cost associated with that one switching up investments.","start":922.155,"end":928.52997,"sentiment":"neutral","sentiment_score":-0.12446871027350426},{"text":"Also, the time out of the market for the investments that have been sold down to cash.","start":928.52997,"end":932.31,"sentiment":"neutral","sentiment_score":-0.13465461507439613},{"text":"But with that, it is sort of not the majority of your port portfolio.","start":932.77,"end":936.31,"sentiment":"neutral","sentiment_score":-0.1430742418659585}],"sentiment":"neutral","sentiment_score":-0.08138017649097103,"num_words":77,"start":914.875,"end":936.31},{"sentences":[{"text":"It makes up for given that that little bit of a loss with Benelon recently to be that you'll be buying into some new assets while the rest of it still remains invested that has been performing well.","start":936.52997,"end":947.055,"sentiment":"neutral","sentiment_score":-0.017407600686726112},{"text":"And then with that, we did look at this sort of, you know, holding on to Bennelong, what that might look like, but there's not much confidence in them moving forward given the past few years of performance plus what occurred at the end of last year.","start":947.275,"end":959.22003,"sentiment":"neutral","sentiment_score":-0.14803433093301793},{"text":"And then with that, there's funds that we're recommending that a lower risk in terms of that investment risk.","start":959.36005,"end":964.82,"sentiment":"neutral","sentiment_score":0.16884002912985652},{"text":"And in addition to that, they're lower costs, so you'll save as well.","start":964.96,"end":968.02,"sentiment":"positive","sentiment_score":0.4066385409006706},{"text":"We also looked at still switching, but we've given you time sort of till the age of 60 where you might wanna be start drawing down and things like that.","start":968.905,"end":975.245,"sentiment":"neutral","sentiment_score":-0.016290867980569602}],"sentiment":"neutral","sentiment_score":0.0026287970463365166,"num_words":147,"start":936.52997,"end":975.245},{"sentences":[{"text":"Paying that high capital gains now can really sort of affect your your growth and that compounding effect for the amounts and lowering that balance.","start":975.465,"end":982.28503,"sentiment":"neutral","sentiment_score":-0.0982538777589798},{"text":"So on page 16, not that you can see it, you'll be able to see the buyers and sales.","start":984.86,"end":988.54,"sentiment":"neutral","sentiment_score":0.08162792752447881},{"text":"So with that, you will be switching from the bed along there will be a slight adjustment for the gold portion in that as well given that sounds so well.","start":988.54,"end":995.36,"sentiment":"neutral","sentiment_score":0.11926753297448159},{"text":"And then you'll be selling down of the Vanguard fixed interest.","start":995.9,"end":999.39496,"sentiment":"neutral","sentiment_score":0.05814997919581153},{"text":"And then also, there's a a Miski fund, which is sort of the investment outside of The US and more Europe focused, that Europe, Asia.","start":999.39496,"end":1008.695,"sentiment":"neutral","sentiment_score":0.06521238416433334}],"sentiment":"neutral","sentiment_score":0.04493244584988464,"num_words":110,"start":975.465,"end":1008.695},{"sentences":[{"text":"And then you'll be switching to a Vanguard all world excluding The US, which is basically the alternative for that, Miski there.","start":1008.755,"end":1014.65,"sentiment":"neutral","sentiment_score":0.10843881998549808},{"text":"It is that cheaper cost ongoing.","start":1014.65,"end":1016.51,"sentiment":"neutral","sentiment_score":0.18699990957975388},{"text":"In addition to that one there, you'll just be switching to the BetaShares 200, which is basically the Australian equities that's switching out for the Benelon.","start":1017.29004,"end":1024.03,"sentiment":"neutral","sentiment_score":0.11757426895201206},{"text":"So that's just, like, the top 200 companies in Australia.","start":1024.41,"end":1026.8301,"sentiment":"neutral","sentiment_score":0.12920992001891135},{"text":"And then you'll have an iShares core composite bond.","start":1027.0549,"end":1029.455,"sentiment":"neutral","sentiment_score":0.1086450641353925}],"sentiment":"neutral","sentiment_score":0.12102040092218412,"num_words":73,"start":1008.755,"end":1029.455},{"sentences":[{"text":"So that's kind of like the the switches there in terms of what's going and what's coming in.","start":1029.455,"end":1034.035,"sentiment":"neutral","sentiment_score":0.103018785516421},{"text":"And then gold's just being adjusted just a little bit.","start":1034.4149,"end":1037.075,"sentiment":"neutral","sentiment_score":0.008089697670948226},{"text":"Now as far as the allocation goes, you will have actually a slightly higher allocation growth assets, and that's only due because we consider at the moment alternative growth assets to the gold being 10% to be a 100% growth at the moment, which means that it does bump up technically.","start":1037.2949,"end":1053.1499,"sentiment":"neutral","sentiment_score":0.15418817906403073},{"text":"But in saying that gold can be considered quite offensive in market turnarounds there as well.","start":1053.45,"end":1058.125,"sentiment":"neutral","sentiment_score":0.08228741073980927},{"text":"And if this is that one, you still have your bond and a few other portions of that portfolio.","start":1058.585,"end":1062.745,"sentiment":"neutral","sentiment_score":0.1530967464572505}],"sentiment":"neutral","sentiment_score":0.12301990353329242,"num_words":114,"start":1029.455,"end":1062.745},{"sentences":[{"text":"That does still mean you're quite defensive with that 14% total, and, obviously, gold can be considered a bit of a split, but currently, it's all all growth.","start":1062.745,"end":1070.79,"sentiment":"neutral","sentiment_score":0.1368885070883802},{"text":"So you will increase your exposure slightly to growth assets, but you will not have that manager risk that comes with the funds and things like that.","start":1071.3501,"end":1078.9501,"sentiment":"neutral","sentiment_score":0.2033719715696794},{"text":"And it also diversifies your portfolio a little bit more as well as your key holdings, the amount going into those.","start":1078.9501,"end":1085.8651,"sentiment":"neutral","sentiment_score":0.3172245635872796},{"text":"You've got about 30% in the S and P 500, but given that, you know, you've got quite the high allocation currently, the Bed along being 36% to a managed fund is quite high, and then the index is a lot more sort of stable and a safer sort of bet than managed funds and how they do return sort of year on year.","start":1086.4851,"end":1104.45,"sentiment":"neutral","sentiment_score":0.2912902816897258},{"text":"Now with that one there as well, it will drop your investment fee down that $842 per annum in terms of the ongoing cost.","start":1107.31,"end":1115.1849,"sentiment":"positive","sentiment_score":0.33808408739666146}],"sentiment":"neutral","sentiment_score":0.260623374340556,"num_words":164,"start":1062.745,"end":1115.1849},{"sentences":[{"text":"And then overall, with the growth estimate, it will predict that your adviser fee will go up slightly for a year's worth of growth just based on the fact that one we're recommending is performing better in terms of your current investment.","start":1116.925,"end":1128.9199,"sentiment":"neutral","sentiment_score":0.31075754300469444},{"text":"So overall, it's it estimates you're gonna be around sort of 701 bit dollars better off per annum just in terms of the total fees you're paying, plus the portfolio that you're going into has just been performed a bit better.","start":1129.78,"end":1142.52,"sentiment":"positive","sentiment_score":0.4113811334458793},{"text":"Little less risk and then lower lower costs, which is your guaranteed savings, which you'll get for the next few years moving forward until you sort of hit that transition to retirement stage.","start":1143.125,"end":1152.825,"sentiment":"positive","sentiment_score":0.4156431406736374},{"text":"Perfect.","start":1155.38,"end":1155.88,"sentiment":"neutral","sentiment_score":0.14683207869529724},{"text":"There are a few, like, percent projections there as well that show you what that might look like as a a difference in how that might be performing if everything was to replicate itself year on year.","start":1156.4199,"end":1165.24,"sentiment":"neutral","sentiment_score":0.01756614099281865}],"sentiment":"neutral","sentiment_score":0.28851588451388205,"num_words":154,"start":1116.925,"end":1165.24},{"sentences":[{"text":"But, obviously, projections to be taken with a grain of salt.","start":1165.46,"end":1168.065,"sentiment":"neutral","sentiment_score":-0.0955257515676997},{"text":"You know, they're never sort of accurate because the markets never replicate year on year.","start":1168.065,"end":1172.3049,"sentiment":"neutral","sentiment_score":-0.2473285138607025},{"text":"And given that, you know, it seems like every second day someone's starting a new wall with someone else, it can be quite unpredictable.","start":1172.3049,"end":1178.0049,"sentiment":"neutral","sentiment_score":-0.24115926555047432},{"text":"Yeah.","start":1178.3849,"end":1178.8849,"sentiment":"neutral","sentiment_score":-0.12145943194627762},{"text":"Yeah.","start":1187.76,"end":1188.24,"sentiment":"neutral","sentiment_score":-0.3183647394180298}],"sentiment":"neutral","sentiment_score":-0.2113145676871332,"num_words":52,"start":1165.46,"end":1188.24},{"sentences":[{"text":"Basically, first, it was, you know, what was it?","start":1188.24,"end":1191.84,"sentiment":"neutral","sentiment_score":-0.3089345196882884},{"text":"Venezuela being kidnapped, the dictator, and then, yeah, Iran's been bombed, and then they've retaliated.","start":1191.84,"end":1197.085,"sentiment":"negative","sentiment_score":-0.4330201466878255},{"text":"So it's just, yeah, one thing after another at the moment, unfortunately.","start":1197.225,"end":1200.2051,"sentiment":"negative","sentiment_score":-0.4518836090962092},{"text":"Yeah.","start":1208.2001,"end":1208.52,"sentiment":"neutral","sentiment_score":-0.2795022130012512},{"text":"Well, it's amazing just what one tweet from, you know, someone like Trump can do in terms of, like, markets.","start":1208.52,"end":1213.8201,"sentiment":"negative","sentiment_score":-0.4806486077606678}],"sentiment":"negative","sentiment_score":-0.4314173781558087,"num_words":57,"start":1188.24,"end":1213.8201},{"sentences":[{"text":"Yeah.","start":1216.92,"end":1217.42,"sentiment":"neutral","sentiment_score":-0.26367682218551636},{"text":"As much as we like to think that it's all sort of numbers and analytics, when the markets are concerned, it is people at the end of the day buying and selling those assets.","start":1217.56,"end":1224.235,"sentiment":"neutral","sentiment_score":-0.12739400719018543},{"text":"So a lot of it comes down to emotional bias and things like that as well when it comes to the buying and selling and things.","start":1224.235,"end":1229.375,"sentiment":"neutral","sentiment_score":-0.2405320660999188},{"text":"As far as your estate planning side of things goes there as well, I know you have your your net wealth beneficiary there in force.","start":1232.89,"end":1240.81,"sentiment":"neutral","sentiment_score":0.061454276442527773},{"text":"But as far as the AIA, I don't believe it's ever been completed or it has been, and then somewhere along the line, it's sorta lapsed or it wasn't complete.","start":1240.81,"end":1248.905,"sentiment":"neutral","sentiment_score":-0.18510849078496297}],"sentiment":"neutral","sentiment_score":-0.1281534879115121,"num_words":116,"start":1216.92,"end":1248.905},{"sentences":[{"text":"I'm not too quite sure.","start":1248.905,"end":1249.785,"sentiment":"neutral","sentiment_score":-0.14025883972644806},{"text":"But I know you've got Donna there as a 100% nonlapsing binding.","start":1249.785,"end":1253.165,"sentiment":"neutral","sentiment_score":0.07804194496323665},{"text":"So we are just recommending you nominate your spouse against that AIA policy.","start":1253.545,"end":1257.0851,"sentiment":"neutral","sentiment_score":-0.20986724358338577},{"text":"In addition to that one, obviously, spouses, a 100% of the time, will get the benefit tax free.","start":1257.545,"end":1263.72,"sentiment":"positive","sentiment_score":0.3547382578253746},{"text":"Now I know that you've got the sort of adult children, but the adult children there, they'll be charged a tax on top of that.","start":1263.94,"end":1271.46,"sentiment":"neutral","sentiment_score":-0.00921627253293991}],"sentiment":"neutral","sentiment_score":0.050161873998299036,"num_words":73,"start":1248.905,"end":1271.46},{"sentences":[{"text":"So they won't get the benefit tax free because they're no longer tax dependent unless, obviously, they come back home living at home and you're paying sort of their way and things like that as well.","start":1271.46,"end":1280.4349,"sentiment":"neutral","sentiment_score":0.06643993283311526},{"text":"And then they might sort of receive it for pun?","start":1280.895,"end":1283.955,"sentiment":"neutral","sentiment_score":0.02934139110147953},{"text":"Yeah.","start":1286.75,"end":1287.25,"sentiment":"neutral","sentiment_score":0.00696689635515213},{"text":"Exactly.","start":1287.3099,"end":1287.8099,"sentiment":"neutral","sentiment_score":-0.030704490840435028},{"text":"Unfortunately, it's a lot harder to prove when it comes to the super side of things there as well.","start":1288.67,"end":1292.37,"sentiment":"negative","sentiment_score":-0.36222288130145325}],"sentiment":"neutral","sentiment_score":-0.06299583352546194,"num_words":67,"start":1271.46,"end":1292.37},{"sentences":[{"text":"The other option is obviously to leave it to your will and to be distributed that way.","start":1292.67,"end":1296.35,"sentiment":"neutral","sentiment_score":-0.007832561783930835},{"text":"You don't have to pay the the Medicare levy there if it was to go through the will, which is a bit of a benefit, but you will sort of still pay tax when going to the the estate as well.","start":1296.35,"end":1308.495,"sentiment":"neutral","sentiment_score":-0.08587574420451391},{"text":"So those are the sort of options there that we're recommending you do your your spouse.","start":1311.355,"end":1314.735,"sentiment":"neutral","sentiment_score":0.14356111362576485},{"text":"Again, much like before, and I know you just haven't looked at your will for a while, so we do recommend that you go, you know, have a conversation with yeah.","start":1314.95,"end":1323.03,"sentiment":"neutral","sentiment_score":0.018580574241857373},{"text":"And yeah.","start":1323.03,"end":1327.365,"sentiment":"neutral","sentiment_score":0.040635041892528534}],"sentiment":"neutral","sentiment_score":-0.006540311770252535,"num_words":107,"start":1292.67,"end":1327.365},{"sentences":[{"text":"So that was the recommendation there as well.","start":1327.365,"end":1329.045,"sentiment":"neutral","sentiment_score":0.15301725268363953},{"text":"It's just to review that.","start":1329.045,"end":1329.845,"sentiment":"neutral","sentiment_score":0.10094147771596909},{"text":"We'll make sure it is all up to date, especially, you know, given that things have quite changed in terms of, like, bit of money coming in there.","start":1329.845,"end":1336.885,"sentiment":"neutral","sentiment_score":0.0595686598015683},{"text":"Same if if you were to get an inheritance as well and be completely debt free.","start":1336.885,"end":1340.005,"sentiment":"neutral","sentiment_score":0.04421762260608375},{"text":"And if you were to know, purchase investment properties, things like that, all those make quite a difference as well when it comes down to the estate planning matters.","start":1340.005,"end":1348.2101,"sentiment":"neutral","sentiment_score":0.14267773926258087}],"sentiment":"neutral","sentiment_score":0.09583609633494256,"num_words":86,"start":1327.365,"end":1348.2101},{"sentences":[{"text":"Perfect.","start":1350.8301,"end":1351.3301,"sentiment":"positive","sentiment_score":0.5049943923950195},{"text":"Now as far as your ongoing services, they don't change at all.","start":1352.03,"end":1354.99,"sentiment":"neutral","sentiment_score":0.031536307418718934},{"text":"Obviously, you can have a look at the the new FSG and services guide there that they've done up and see what you're sort of entitled to as an ongoing client.","start":1354.99,"end":1363.205,"sentiment":"neutral","sentiment_score":0.05721153054506548},{"text":"As far as the adviser fee, they are looking at, you know, changing the fee structure eventually.","start":1363.265,"end":1367.425,"sentiment":"neutral","sentiment_score":-0.013540230362730868},{"text":"But at the moment, it's still that 1.65 there.","start":1367.425,"end":1370.485,"sentiment":"neutral","sentiment_score":-0.013037623216708502}],"sentiment":"neutral","sentiment_score":0.032992357188569646,"num_words":70,"start":1350.8301,"end":1370.485},{"sentences":[{"text":"It has the estimated adviser fee around that sort of $3,456 as an annualized premium if your super was to grow based on the recommended projections.","start":1371.0,"end":1380.46,"sentiment":"neutral","sentiment_score":0.06620039160435016},{"text":"So that is an estimate of what that might look like, and then we do still get 22% of the premiums of the AIA policy for keeping it in force, which is around the 1,200.","start":1381.16,"end":1389.155,"sentiment":"neutral","sentiment_score":0.09454502431409699},{"text":"Now that's not to say that you pay that additional on top of what you pay to AIA.","start":1389.295,"end":1393.295,"sentiment":"neutral","sentiment_score":0.026496417199571926},{"text":"We just get a commission from AIA, and we have to disclose that just based on the fact that we're getting remuneration from it for maintaining that policy, if that makes sense.","start":1393.295,"end":1401.65,"sentiment":"neutral","sentiment_score":0.1533781555481255},{"text":"Perfect.","start":1403.47,"end":1403.97,"sentiment":"positive","sentiment_score":0.6671266555786133}],"sentiment":"neutral","sentiment_score":0.098950439066227,"num_words":112,"start":1371.0,"end":1403.97},{"sentences":[{"text":"So as far as, like, upfront cost, things like that, it's not upfront or anything.","start":1404.4299,"end":1408.27,"sentiment":"neutral","sentiment_score":0.21403170873721442},{"text":"It's just the ongoing that you're currently paying.","start":1408.27,"end":1410.345,"sentiment":"neutral","sentiment_score":0.2481711059808731},{"text":"If you were to sign the document, you're happy with the investment update, we do that all on the back end there for you.","start":1410.345,"end":1415.385,"sentiment":"positive","sentiment_score":0.42444294939438504},{"text":"Obviously, you know, it is quite a straightforward document there.","start":1415.385,"end":1418.105,"sentiment":"neutral","sentiment_score":0.2544959381222725},{"text":"There's a few things that we did touch on, but we didn't provide advice on at this point.","start":1418.105,"end":1421.79,"sentiment":"neutral","sentiment_score":0.02373533799416489}],"sentiment":"neutral","sentiment_score":0.2447289430598418,"num_words":75,"start":1404.4299,"end":1421.79},{"sentences":[{"text":"So that sort of things for later dates there as well, so we're aware of.","start":1422.67,"end":1425.9501,"sentiment":"neutral","sentiment_score":0.11024295091629029},{"text":"We've got them noted there just to keep an eye on them, keep you accountable sort of things as well.","start":1425.9501,"end":1430.67,"sentiment":"neutral","sentiment_score":0.18829804435372352},{"text":"Ask you sort of every 12 just to make sure you don't forget as well, much like that will.","start":1430.67,"end":1435.01,"sentiment":"neutral","sentiment_score":0.14005037161864733},{"text":"In addition, if you did want advice on it in the future, it makes it a lot easier there as well.","start":1436.085,"end":1440.345,"sentiment":"positive","sentiment_score":0.41869754024914335},{"text":"So in addition to that, if you were to sign, we do that change in the back end.","start":1440.645,"end":1444.085,"sentiment":"neutral","sentiment_score":0.3088015930520164}],"sentiment":"neutral","sentiment_score":0.24120042184668203,"num_words":93,"start":1422.67,"end":1444.085},{"sentences":[{"text":"It wouldn't change anything else there for you, and then we can send you a copy of those beneficiary forms there as well for the AIA policy.","start":1444.085,"end":1452.42,"sentiment":"neutral","sentiment_score":0.2883941062070705},{"text":"Would you like that just like to be mailed to you or emailed?","start":1452.4801,"end":1455.6201,"sentiment":"neutral","sentiment_score":0.06846526723641616},{"text":"Perfect.","start":1459.3601,"end":1459.68,"sentiment":"positive","sentiment_score":0.7748802304267883},{"text":"I'll get the team to email a copy there, and I'm I'll even ask them to prefill it for you there as well just with your your partner's details.","start":1459.68,"end":1466.42,"sentiment":"positive","sentiment_score":0.4072618561572042},{"text":"But do you have any questions in regards to that document roll there, Brett?","start":1466.775,"end":1469.5751,"sentiment":"neutral","sentiment_score":0.03499474975147417}],"sentiment":"neutral","sentiment_score":0.2589534511567936,"num_words":84,"start":1444.085,"end":1469.5751},{"sentences":[{"text":"As I said, it is quite quite straightforward.","start":1469.5751,"end":1471.915,"sentiment":"neutral","sentiment_score":-0.2299697706475854},{"text":"Yep.","start":1473.015,"end":1473.515,"sentiment":"neutral","sentiment_score":0.055054765194654465},{"text":"Perfect.","start":1484.15,"end":1484.65,"sentiment":"neutral","sentiment_score":0.30328047275543213},{"text":"As I said, you got plenty of time.","start":1484.7101,"end":1486.2301,"sentiment":"neutral","sentiment_score":0.16905885934829712},{"text":"In the meantime, though, if you could get us a copy of your your ID there, the most up to date one there as well.","start":1486.2301,"end":1491.37,"sentiment":"neutral","sentiment_score":0.12316699236631394}],"sentiment":"neutral","sentiment_score":0.06860983155147973,"num_words":43,"start":1469.5751,"end":1491.37},{"sentences":[{"text":"Oh, brilliant.","start":1493.855,"end":1494.335,"sentiment":"positive","sentiment_score":0.6303645372390747},{"text":"That's perfect.","start":1494.335,"end":1495.155,"sentiment":"positive","sentiment_score":0.7122364640235901},{"text":"I'll get on to that, and I'll get that one actioned there for you.","start":1495.295,"end":1498.035,"sentiment":"positive","sentiment_score":0.42930213042667936},{"text":"And then, yeah, we do have here too that the last contribution you got from your Central Coast Football Club is around the 288 there.","start":1499.135,"end":1506.51,"sentiment":"neutral","sentiment_score":0.05889108203351498},{"text":"Have you started taking, like, a wage plus them contributing to your super, or is that just what you got in terms of, like, the amount you for the work you did this year or last year?","start":1506.51,"end":1516.05,"sentiment":"neutral","sentiment_score":0.02734072177947776}],"sentiment":"neutral","sentiment_score":0.1397414448147174,"num_words":80,"start":1493.855,"end":1516.05},{"sentences":[{"text":"Alright.","start":1520.5249,"end":1520.845,"sentiment":"neutral","sentiment_score":0.058600008487701416},{"text":"Not a problem.","start":1520.845,"end":1521.4049,"sentiment":"neutral","sentiment_score":0.04532362644871076},{"text":"It just yeah.","start":1521.4049,"end":1524.365,"sentiment":"neutral","sentiment_score":0.006438296288251877},{"text":"It just seemed a little bit less.","start":1524.365,"end":1525.565,"sentiment":"neutral","sentiment_score":-0.12623104878834315},{"text":"I wasn't sure if you changed up your pay structure or things like that.","start":1525.565,"end":1528.625,"sentiment":"neutral","sentiment_score":-0.108041520097426}],"sentiment":"neutral","sentiment_score":-0.07793974450656346,"num_words":28,"start":1520.5249,"end":1528.625},{"sentences":[{"text":"Pardon?","start":1530.9501,"end":1531.4501,"sentiment":"neutral","sentiment_score":-0.07189731299877167},{"text":"I only got it for $288 in terms of the contribution amount that went in, which I think the previous year, it was closer to the 1,500.","start":1535.27,"end":1543.885,"sentiment":"neutral","sentiment_score":-0.05959759418059279},{"text":"Yeah.","start":1543.885,"end":1544.205,"sentiment":"neutral","sentiment_score":-0.03472292795777321},{"text":"Something.","start":1544.205,"end":1544.705,"sentiment":"neutral","sentiment_score":-0.061154380440711975},{"text":"That's why I was sort of just double checking.","start":1546.365,"end":1548.465,"sentiment":"neutral","sentiment_score":-0.07863728081186612}],"sentiment":"neutral","sentiment_score":-0.06370885106615531,"num_words":39,"start":1530.9501,"end":1548.465},{"sentences":[{"text":"I'll just bring up contributions again.","start":1551.805,"end":1553.485,"sentiment":"neutral","sentiment_score":0.04035533871501684},{"text":"I'll see that the last one was compared to this one.","start":1553.485,"end":1555.905,"sentiment":"neutral","sentiment_score":0.012620270590890537},{"text":"Yes.","start":1564.25,"end":1564.5701,"sentiment":"neutral","sentiment_score":0.05743657797574997},{"text":"On the 2026, it went in for $288.","start":1564.5701,"end":1569.15,"sentiment":"neutral","sentiment_score":0.029209879925474524},{"text":"And then the last one prior to that, I'll just see where that one was.","start":1569.755,"end":1574.555,"sentiment":"neutral","sentiment_score":0.010314929795761903}],"sentiment":"neutral","sentiment_score":0.020165721295265164,"num_words":41,"start":1551.805,"end":1574.555},{"sentences":[{"text":"It was around 2,400.","start":1574.555,"end":1576.415,"sentiment":"neutral","sentiment_score":0.007553696632385254},{"text":"Yeah.","start":1580.7151,"end":1580.875,"sentiment":"neutral","sentiment_score":-0.0007012356072664261},{"text":"That's what I was a little bit confused just when I was looking at it because it's obviously quite easy to see what the Central Coast Football Club and what they're they're putting in there.","start":1580.875,"end":1590.03,"sentiment":"neutral","sentiment_score":-0.2011425318462508},{"text":"Yeah.","start":1592.5701,"end":1592.81,"sentiment":"neutral","sentiment_score":-0.01309775561094284},{"text":"Since you've been on board, they've had, yeah, just that one in 2024 and then that last one there in the year 2026, month of the first.","start":1592.81,"end":1603.465,"sentiment":"neutral","sentiment_score":0.0035337239538353903}],"sentiment":"neutral","sentiment_score":-0.1018847393022631,"num_words":68,"start":1574.555,"end":1603.465},{"sentences":[{"text":"Yeah.","start":1734.33,"end":1734.65,"sentiment":"neutral","sentiment_score":-0.012433852069079876},{"text":"Yeah.","start":1734.65,"end":1734.81,"sentiment":"neutral","sentiment_score":-0.03251338750123978},{"text":"Sorry.","start":1734.81,"end":1735.05,"sentiment":"neutral","sentiment_score":-0.11685825884342194},{"text":"I thought you were speaking to someone else.","start":1735.05,"end":1737.6901,"sentiment":"neutral","sentiment_score":-0.13713589310646057},{"text":"Yeah.","start":1737.6901,"end":1738.1901,"sentiment":"neutral","sentiment_score":-0.007551883347332478}],"sentiment":"neutral","sentiment_score":-0.10553704388439655,"num_words":12,"start":1734.33,"end":1738.1901},{"sentences":[{"text":"Yep.","start":1742.265,"end":1742.765,"sentiment":"neutral","sentiment_score":0.006214831955730915},{"text":"Okay.","start":1750.985,"end":1751.385,"sentiment":"neutral","sentiment_score":0.01767069473862648},{"text":"Yeah.","start":1751.385,"end":1751.545,"sentiment":"neutral","sentiment_score":0.015307951718568802},{"text":"Because I can just see the I was just looking at the employer super guarantee contribution amount.","start":1751.545,"end":1756.525,"sentiment":"neutral","sentiment_score":-0.005962198490605634},{"text":"Pardon?","start":1759.59,"end":1760.09,"sentiment":"neutral","sentiment_score":-0.060006432235240936}],"sentiment":"neutral","sentiment_score":-0.005817634674410026,"num_words":21,"start":1742.265,"end":1760.09},{"sentences":[{"text":"Oh, the salary sacrifice there was from sorry.","start":1765.59,"end":1781.125,"sentiment":"neutral","sentiment_score":-0.08264613756909966},{"text":"I'm just having a quick look here.","start":1781.125,"end":1783.205,"sentiment":"neutral","sentiment_score":-0.0671909222645419},{"text":"So you you're salary sacrificing there currently with your current employer there as well, or is it salary sacrifice in terms With because it's the last one in 2024 came as employer super guarantee contribution, and then there's that one there.","start":1783.205,"end":1801.745,"sentiment":"neutral","sentiment_score":-0.10384002200713972},{"text":"And then, yeah, there is also a salary sacrifice contribution, but I can't see what it was for.","start":1802.285,"end":1810.785,"sentiment":"neutral","sentiment_score":-0.15564851959546408},{"text":"Like, it doesn't actually list it for an hour.","start":1810.8451,"end":1812.4451,"sentiment":"neutral","sentiment_score":-0.1557659688923094}],"sentiment":"neutral","sentiment_score":-0.11557245218610189,"num_words":83,"start":1765.59,"end":1812.4451},{"sentences":[{"text":"And so that salary sacrifice contribution made in 2026 was also from the football club?","start":1812.4451,"end":1818.5499,"sentiment":"neutral","sentiment_score":-0.04440470188856125},{"text":"Okay.","start":1821.33,"end":1821.65,"sentiment":"neutral","sentiment_score":0.10707677155733109},{"text":"Do you know what the the other amount would be for then as well?","start":1821.65,"end":1825.11,"sentiment":"neutral","sentiment_score":0.03417277801781893},{"text":"Yeah.","start":1827.825,"end":1828.325,"sentiment":"neutral","sentiment_score":0.0241334680467844},{"text":"No.","start":1833.585,"end":1833.745,"sentiment":"neutral","sentiment_score":-0.0718146562576294}],"sentiment":"neutral","sentiment_score":-0.004008001647889614,"num_words":32,"start":1812.4451,"end":1833.745},{"sentences":[{"text":"It still says that one there is from Central Coast Football.","start":1833.745,"end":1836.565,"sentiment":"neutral","sentiment_score":-0.03860402344302698},{"text":"Is it $2.80 out there as well?","start":1837.265,"end":1839.0,"sentiment":"neutral","sentiment_score":-0.032477508432098796},{"text":"Unless they're paying you, like, that's your salary that you fully salary sacrifice in, and then you've got the 288 there as well that's, like, on top of the the 2,400 that you earn.","start":1839.32,"end":1849.18,"sentiment":"neutral","sentiment_score":-0.05991924515760997},{"text":"I'm not too sure how the accountant has been doing it, but you can I can see the salary sacrifice amounts going in, and then I can see, yeah, just a couple additional payments there as well?","start":1850.52,"end":1860.8251,"sentiment":"neutral","sentiment_score":-0.03712779001609699},{"text":"So in 2024, it's employer a contribution, and then the salary sacrifice amount.","start":1860.885,"end":1868.1,"sentiment":"neutral","sentiment_score":0.005590701404099281}],"sentiment":"neutral","sentiment_score":-0.03912049279018652,"num_words":102,"start":1833.745,"end":1868.1},{"sentences":[{"text":"You've got 2023 was a salary sacrifice contribution, 2025 was sales tax, and then 2026 was sales tax.","start":1868.1,"end":1874.74,"sentiment":"neutral","sentiment_score":-0.0036948018500374425},{"text":"And then you've also got the employer paid contribution.","start":1874.74,"end":1878.0399,"sentiment":"neutral","sentiment_score":0.004262837167415354},{"text":"There's a $288 on the ninth of the first as well.","start":1878.885,"end":1882.585,"sentiment":"neutral","sentiment_score":0.01097161238166419},{"text":"Yeah.","start":1885.845,"end":1886.085,"sentiment":"neutral","sentiment_score":-0.021299149841070175},{"text":"So I'm not too sure because, obviously, you're able to sell sacrifice the amount of 2,400.","start":1886.085,"end":1891.925,"sentiment":"neutral","sentiment_score":-0.12203389219939709}],"sentiment":"neutral","sentiment_score":-0.0342053561386737,"num_words":55,"start":1868.1,"end":1891.925},{"sentences":[{"text":"So I'm not too sure if they've realized they should have been paying you super on top of that as well for that amount or they just started doing it, but you got an extra $288 there as well.","start":1891.925,"end":1901.4501,"sentiment":"neutral","sentiment_score":-0.14377034302705374},{"text":"Okay.","start":1903.5901,"end":1904.0901,"sentiment":"neutral","sentiment_score":0.1172223538160324},{"text":"Crazy.","start":1904.2301,"end":1904.7301,"sentiment":"neutral","sentiment_score":0.18490371108055115},{"text":"I mean, free money is free money, so don't ask where it comes from.","start":1906.725,"end":1909.685,"sentiment":"neutral","sentiment_score":0.11372578995568412},{"text":"Don't complain.","start":1909.685,"end":1910.425,"sentiment":"neutral","sentiment_score":0.10765938460826874}],"sentiment":"neutral","sentiment_score":-0.06135855236074381,"num_words":57,"start":1891.925,"end":1910.425},{"sentences":[{"text":"Not a problem.","start":1913.765,"end":1914.485,"sentiment":"neutral","sentiment_score":0.2899605929851532},{"text":"But do you have any questions for me there, Brett, in regards to anything else or anything that was discussed there?","start":1914.485,"end":1919.25,"sentiment":"neutral","sentiment_score":0.10335349735049974},{"text":"Yep.","start":1931.17,"end":1931.565,"sentiment":"neutral","sentiment_score":0.07383709400892258},{"text":"In terms of, like, us just making a change without informing you sort of thing?","start":1948.86,"end":1953.12,"sentiment":"neutral","sentiment_score":-0.020909422201414903},{"text":"Yes.","start":1967.6749,"end":1967.995,"sentiment":"neutral","sentiment_score":-0.028204141184687614}],"sentiment":"neutral","sentiment_score":0.06761699617363331,"num_words":41,"start":1913.765,"end":1967.995},{"sentences":[{"text":"So, obviously, it's like extenuating circumstance, I think.","start":1967.995,"end":1971.13,"sentiment":"neutral","sentiment_score":-0.11008682800456882},{"text":"So during COVID and a few other circumstances when it came to, like, those sort of events, the investment community has made, like, company wide decisions to, you know, just blanket to, like, a recorded advice for changing this due to these reasons.","start":1971.13,"end":1986.305,"sentiment":"neutral","sentiment_score":-0.13847620092159094},{"text":"Obviously, in regards to Bennelong, it was something that it wasn't sort of foreseen.","start":1987.245,"end":1992.625,"sentiment":"neutral","sentiment_score":-0.17807030145611083},{"text":"Like, with the global pandemic, you could see it, like, sort of coming with what was occurring.","start":1992.765,"end":1997.1799,"sentiment":"neutral","sentiment_score":-0.2735513027976541},{"text":"In terms of the Benelung, the reason that caused it to dip so so you can fill in so quickly was largely due to the corporate traveler investment that got done for not reporting correctly.","start":1997.64,"end":2006.76,"sentiment":"negative","sentiment_score":-0.40457450832639424}],"sentiment":"neutral","sentiment_score":-0.24050115746183273,"num_words":117,"start":1967.995,"end":2006.76},{"sentences":[{"text":"And the only way you sort of would have known about that was if you yeah.","start":2006.76,"end":2012.105,"sentiment":"neutral","sentiment_score":-0.21270672371611},{"text":"What yeah.","start":2012.105,"end":2014.745,"sentiment":"neutral","sentiment_score":-0.1204942911863327},{"text":"If you had a little bit of insider knowledge in regards to that, because after that was announced, it dipped really quite significantly.","start":2014.745,"end":2020.6849,"sentiment":"negative","sentiment_score":-0.3452717635942542},{"text":"And then throughout the sort of back December, it's just basically gone, you know, your ups and your downs, your ups and your downs.","start":2021.625,"end":2028.98,"sentiment":"neutral","sentiment_score":-0.30521141986052197},{"text":"It doesn't really go on anywhere.","start":2028.98,"end":2030.36,"sentiment":"negative","sentiment_score":-0.3923685948053996}],"sentiment":"neutral","sentiment_score":-0.29950468126736896,"num_words":71,"start":2006.76,"end":2030.36},{"sentences":[{"text":"It's remained quite stagnant.","start":2030.5,"end":2031.86,"sentiment":"negative","sentiment_score":-0.4737304672598839},{"text":"Even year to date, I think it's only it went up to, like, 4% back, and now it's only sort of sitting at point 2% back for the year.","start":2031.86,"end":2040.075,"sentiment":"negative","sentiment_score":-0.4337562620639801},{"text":"So, yeah, unless you sort of knew prior to, you know, the November there that that was gonna occur, you really hadn't sort of no knowledge that it was gonna dip that significantly and that quickly because it was, like, 20% over the course of, like, a month.","start":2040.615,"end":2056.17,"sentiment":"negative","sentiment_score":-0.44360037582616013},{"text":"So quite a significant dip.","start":2057.39,"end":2059.73,"sentiment":"neutral","sentiment_score":-0.2588311433792114},{"text":"The other one that crashed more, I think, was your cryptocurrencies if you ever doubled in those as well.","start":2060.27,"end":2064.8499,"sentiment":"neutral","sentiment_score":-0.24967422218699203}],"sentiment":"negative","sentiment_score":-0.39813940425713856,"num_words":105,"start":2030.5,"end":2064.8499},{"sentences":[{"text":"But, yes, as it like, as they've done a review of that, they have decided as an investment key to move away from Benelung, which is part of, like, the update there as well.","start":2067.645,"end":2075.665,"sentiment":"neutral","sentiment_score":-0.00465321058736128},{"text":"No problem.","start":2078.54,"end":2079.28,"sentiment":"neutral","sentiment_score":0.283978208899498},{"text":"Do you have any questions in regards to that one there, Brett?","start":2079.34,"end":2082.08,"sentiment":"neutral","sentiment_score":0.1604554814596971},{"text":"Too easy.","start":2084.22,"end":2084.88,"sentiment":"neutral","sentiment_score":0.29839275777339935},{"text":"Obviously, yeah, have a read through document, come back with any questions.","start":2085.18,"end":2087.9,"sentiment":"neutral","sentiment_score":0.1635775864124298}],"sentiment":"neutral","sentiment_score":0.07895047722324249,"num_words":62,"start":2067.645,"end":2087.9},{"sentences":[{"text":"I'll get those quotes done up.","start":2087.9,"end":2089.68,"sentiment":"neutral","sentiment_score":0.25214888403813046},{"text":"Maybe I'll get them this afternoon or maybe sometime tomorrow, and I'll just shoot you an email with those different amounts there as well.","start":2089.82,"end":2096.075,"sentiment":"neutral","sentiment_score":0.18238617510845265},{"text":"Too easy.","start":2097.887,"end":2098.607,"sentiment":"positive","sentiment_score":0.4392167031764984},{"text":"Well, you enjoy the rest of your day at work there, Brett.","start":2098.607,"end":2100.447,"sentiment":"positive","sentiment_score":0.7711119850476583},{"text":"Thanks for your time, and I'm sure we'll speak soon.","start":2100.447,"end":2102.627,"sentiment":"positive","sentiment_score":0.7536287546157837}],"sentiment":"positive","sentiment_score":0.43626344962804403,"num_words":54,"start":2087.9,"end":2102.627},{"sentences":[{"text":"Cheers.","start":2105.0068,"end":2105.2468,"sentiment":"positive","sentiment_score":0.681985080242157},{"text":"Thanks, mate.","start":2105.2468,"end":2105.807,"sentiment":"positive","sentiment_score":0.7381880581378937},{"text":"Bye.","start":2105.807,"end":2106.307,"sentiment":"neutral","sentiment_score":-0.1038135066628456}],"sentiment":"positive","sentiment_score":0.5136369224637747,"num_words":4,"start":2105.0068,"end":2106.307}]}}]},{"alternatives":[{"transcript":"Hello? Not too bad, mate. There you go. Go for it, mate. Yep. Sure. It's, 6 Pounder Air Close. New South Wales 2261. And my date of birth is the 02/31/0968. Yep. Definitely. Yep. Yep. Sure. I don't know, but if you got the notes from when I made the appointment, but my amount that I made insured would is needs to drop because our our mortgage my my wife and my wife and my daughter, we got a pretty big payout, and we put it straight on the mortgage. So yes. Yes. Yep. Yep. Yep. Yeah. Okay. Yep. Yep. Yeah. That's fine. That's fine. Yep. Yep. Yep. Yep. Yep. Yep. Perfect. Yep. Yep. Yep. Okay. Yep. Yep. Oh, mate. I'm just I'm yeah. I'm still at work. I'm just but I'm I'm alright. I'm I'm fine, mate. You can do it anyway. I'm fine. Either way. Either way. Either way. And the one about the ID Yep. Yep. Yep. Yep. Yep. Yep. That's that's terrible. Terrible performer, that one. Yep. Yep. Yep. Sure. Yes. Yep. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. No, ma'am. I'm all good. Gotcha. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yes. There it is, isn't it? It is at the moment. It's like, all the you know, you hear on the news almost, like, every week. Oh, the gains that we made this week have been lost overnight. It's like, what the hell? It's just it's amazing how one person might feel can can inflict a lot of pain. Yeah. It's not good. Yep. Yep. Sure. Yep. Yep. Hi. Do you have a knob stop do you have a knob stop playing their way? Yep. Yeah. I need I need yeah. I need to do that. Definitely need to do that. Absolutely. Yeah. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. Okay. Yeah. Okay. Yep. I think you can email that. That would be that would be good. Sure. No. Not not at this stage. I mean, I'll I'll look at it when that email comes through and and have a good look at it. And if I've got any questions, I I I can give you a call, mate. But at this stage, no. I don't have any questions. I I I actually just sent it sent it through, mate. Yeah. That was just just the amount. Yeah. Yeah. For the amount that I did last year. Yeah. It's just like a it's just just an honorary thing. Really? So I would say it's a bit less. I thought it was, like, January. I did. K. It was got one, two, and seven, I think. Yeah. You're right. You there, man? Sorry, man. Yeah. So I just had a look here on the on the January 9. There was a salary sacrifice contribution of 2,400. That's that's the one from Plumbing Kitchen. That's that's from Plumbing Kitchen. That one? But that's not Salisbury's Acropause. That's just right. The Salisbury's Acropause contribution is not from Central High School. No. No. I'm with the Central Coast Football one. That's right. Yes. Which one? 2,088? That would be from my full time employment. Oh, does it? Oh, I can't. Yeah. Yeah. I know that one. Okay. No worries. Say whatever. Yeah. No. No. It's all good. Just just just like say, like, in regards to say that Benelon managed fund, If if like, if if you can, like, if you can say that that's, like, you know, like, the the process falling all the time, can you can you just call like, make an an early call on one or not? You know what I mean? Yeah. Yeah. Or just just because I I remember I did get an email once and said, look, one of your one of your one of your portfolios or one of the funds that you're in, we're gonna we're we're we're cutting it and we're gonna put it into something else. Like Yep. Yep. Invest in money or something. Yeah. Right. Yep. Yeah. Yeah. Right. Okay. Yeah. Yep. All good. All good. Yep. 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Not too bad, mate. There you go. Go for it, mate. Yep.\n\nSure. It's, 6 Pounder Air Close. New South Wales 2261. And my date of birth is the 02/31/0968. Yep.\n\nDefinitely. Yep. Yep. Sure. I don't know, but if you got the notes from when I made the appointment, but my amount that I made insured would is needs to drop because our our mortgage my my wife and my wife and my daughter, we got a pretty big payout, and we put it straight on the mortgage.\n\nSo yes. Yes. Yep. Yep. Yep.\n\nYeah. Okay. Yep. Yep. Yeah.\n\nThat's fine. That's fine. Yep. Yep. Yep.\n\nYep. Yep. Yep. Perfect. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nOh, mate. I'm just I'm yeah. I'm still at work. I'm just but I'm I'm alright. I'm I'm fine, mate.\n\nYou can do it anyway. I'm fine. Either way. Either way. Either way.\n\nAnd the one about the ID Yep. Yep. Yep. Yep. Yep.\n\nYep. That's that's terrible. Terrible performer, that one. Yep. Yep.\n\nYep. Sure. Yes. Yep. Yeah.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nNo, ma'am. I'm all good. Gotcha. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yes. Yep.\n\nYep. Yep. Yes. There it is, isn't it? It is at the moment.\n\nIt's like, all the you know, you hear on the news almost, like, every week. Oh, the gains that we made this week have been lost overnight. It's like, what the hell? It's just it's amazing how one person might feel can can inflict a lot of pain. Yeah.\n\nIt's not good. Yep. Yep. Sure. Yep.\n\nYep. Hi. Do you have a knob stop do you have a knob stop playing their way? Yep. Yeah.\n\nI need I need yeah. I need to do that. Definitely need to do that. Absolutely. Yeah.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. Okay.\n\nYep. I think you can email that. That would be that would be good. Sure. No.\n\nNot not at this stage. I mean, I'll I'll look at it when that email comes through and and have a good look at it. And if I've got any questions, I I I can give you a call, mate. But at this stage, no. I don't have any questions.\n\nI I I actually just sent it sent it through, mate. Yeah. That was just just the amount. Yeah. Yeah.\n\nFor the amount that I did last year. Yeah. It's just like a it's just just an honorary thing. Really? So I would say it's a bit less.\n\nI thought it was, like, January. I did. K. It was got one, two, and seven, I think. Yeah.\n\nYou're right. You there, man? Sorry, man. Yeah. So I just had a look here on the on the January 9.\n\nThere was a salary sacrifice contribution of 2,400. That's that's the one from Plumbing Kitchen. That's that's from Plumbing Kitchen. That one? But that's not Salisbury's Acropause.\n\nThat's just right. The Salisbury's Acropause contribution is not from Central High School. No. No. I'm with the Central Coast Football one.\n\nThat's right. Yes. Which one? 2,088? That would be from my full time employment.\n\nOh, does it? Oh, I can't. Yeah. Yeah. I know that one.\n\nOkay. No worries. Say whatever. Yeah. No.\n\nNo. It's all good. Just just just like say, like, in regards to say that Benelon managed fund, If if like, if if you can, like, if you can say that that's, like, you know, like, the the process falling all the time, can you can you just call like, make an an early call on one or not? You know what I mean? Yeah.\n\nYeah. Or just just because I I remember I did get an email once and said, look, one of your one of your one of your portfolios or one of the funds that you're in, we're gonna we're we're we're cutting it and we're gonna put it into something else. Like Yep. Yep. Invest in money or something.\n\nYeah. Right. Yep. Yeah. Yeah.\n\nRight. Okay. Yeah. Yep. All good.\n\nAll good. Yep. Sure.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.05911204218864441},{"text":"Not too bad, mate.","start":6.56,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.2837921194732189},{"text":"There you go.","start":7.3599997,"end":8.1,"sentiment":"neutral","sentiment_score":0.3319194515546163},{"text":"Go for it, mate.","start":14.559999,"end":15.54,"sentiment":"positive","sentiment_score":0.5384954959154129},{"text":"Yep.","start":21.175,"end":21.675,"sentiment":"neutral","sentiment_score":0.2815629243850708}],"sentiment":"positive","sentiment_score":0.3558141371378532,"num_words":13,"start":1.8399999,"end":21.675},{"sentences":[{"text":"Sure.","start":23.975,"end":24.215,"sentiment":"neutral","sentiment_score":0.0768924430012703},{"text":"It's, 6 Pounder Air Close.","start":24.215,"end":27.355,"sentiment":"neutral","sentiment_score":0.041574490070343015},{"text":"New South Wales 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less.","start":1532.24,"end":1534.26,"sentiment":"neutral","sentiment_score":-0.11693944688886404}],"sentiment":"neutral","sentiment_score":-0.013678956843380417,"num_words":28,"start":1517.865,"end":1534.26},{"sentences":[{"text":"I thought it was, like, January.","start":1550.19,"end":1557.33,"sentiment":"neutral","sentiment_score":-0.007146003811309735},{"text":"I did.","start":1667.37,"end":1668.03,"sentiment":"neutral","sentiment_score":0.029455700889229774},{"text":"K.","start":1669.29,"end":1669.79,"sentiment":"neutral","sentiment_score":0.010526034981012344},{"text":"It was got one, two, and seven, I think.","start":1670.5701,"end":1672.91,"sentiment":"neutral","sentiment_score":0.008450078415787883},{"text":"Yeah.","start":1672.97,"end":1673.29,"sentiment":"neutral","sentiment_score":0.04271220043301582}],"sentiment":"neutral","sentiment_score":0.007648648424564223,"num_words":19,"start":1550.19,"end":1673.29},{"sentences":[{"text":"You're right.","start":1673.29,"end":1673.9501,"sentiment":"neutral","sentiment_score":0.04245586879551411},{"text":"You there, man?","start":1733.1699,"end":1734.015,"sentiment":"neutral","sentiment_score":-0.0101441890001297},{"text":"Sorry, man.","start":1736.5751,"end":1737.295,"sentiment":"neutral","sentiment_score":-0.15700459480285645},{"text":"Yeah.","start":1737.295,"end":1737.615,"sentiment":"neutral","sentiment_score":-0.05352044850587845},{"text":"So I just had a look here on the on the January 9.","start":1737.615,"end":1740.915,"sentiment":"neutral","sentiment_score":-0.002518435653585654}],"sentiment":"neutral","sentiment_score":-0.01646619671512218,"num_words":21,"start":1673.29,"end":1740.915},{"sentences":[{"text":"There was a salary sacrifice contribution of 2,400.","start":1742.095,"end":1745.715,"sentiment":"neutral","sentiment_score":-0.027965932385995984},{"text":"That's that's the one from Plumbing Kitchen.","start":1756.0199,"end":1758.0199,"sentiment":"neutral","sentiment_score":-0.0026109136774071623},{"text":"That's that's from Plumbing Kitchen.","start":1758.0199,"end":1761.94,"sentiment":"neutral","sentiment_score":-0.022366323880851267},{"text":"That one?","start":1761.94,"end":1762.6799,"sentiment":"neutral","sentiment_score":-0.019801964052021503},{"text":"But that's not Salisbury's Acropause.","start":1770.5549,"end":1772.075,"sentiment":"neutral","sentiment_score":-0.10630509108304978}],"sentiment":"neutral","sentiment_score":-0.03425795769456912,"num_words":27,"start":1742.095,"end":1772.075},{"sentences":[{"text":"That's just right.","start":1772.075,"end":1774.315,"sentiment":"neutral","sentiment_score":-0.03814775000015894},{"text":"The Salisbury's Acropause contribution is not from Central High School.","start":1774.315,"end":1777.5349,"sentiment":"neutral","sentiment_score":-0.11720345467329026},{"text":"No.","start":1789.46,"end":1789.96,"sentiment":"neutral","sentiment_score":-0.15472263097763062},{"text":"No.","start":1790.98,"end":1791.38,"sentiment":"neutral","sentiment_score":-0.20573705434799192},{"text":"I'm with the Central Coast Football one.","start":1791.38,"end":1793.3201,"sentiment":"neutral","sentiment_score":-0.11581467304910932}],"sentiment":"neutral","sentiment_score":-0.11171091788194397,"num_words":22,"start":1772.075,"end":1793.3201},{"sentences":[{"text":"That's right.","start":1818.72,"end":1819.36,"sentiment":"neutral","sentiment_score":0.10504081472754478},{"text":"Yes.","start":1819.36,"end":1819.86,"sentiment":"neutral","sentiment_score":0.1312977373600006},{"text":"Which one?","start":1825.3849,"end":1826.0249,"sentiment":"neutral","sentiment_score":0.0012257677735760808},{"text":"2,088?","start":1826.0249,"end":1827.6449,"sentiment":"neutral","sentiment_score":0.0041697463020682335},{"text":"That would be from my full time employment.","start":1829.225,"end":1832.0449,"sentiment":"neutral","sentiment_score":0.014800540404394269}],"sentiment":"neutral","sentiment_score":0.03331464084996177,"num_words":14,"start":1818.72,"end":1832.0449},{"sentences":[{"text":"Oh, does it?","start":1837.0599,"end":1837.78,"sentiment":"neutral","sentiment_score":-0.0035232074248294034},{"text":"Oh, I can't.","start":1837.78,"end":1838.6,"sentiment":"neutral","sentiment_score":-0.045720731218655906},{"text":"Yeah.","start":1860.3151,"end":1860.8151,"sentiment":"neutral","sentiment_score":0.00980414729565382},{"text":"Yeah.","start":1883.365,"end":1883.765,"sentiment":"neutral","sentiment_score":0.005724114365875721},{"text":"I know that one.","start":1883.765,"end":1884.665,"sentiment":"neutral","sentiment_score":-0.011635931208729744}],"sentiment":"neutral","sentiment_score":-0.014895606591987113,"num_words":12,"start":1837.0599,"end":1884.665},{"sentences":[{"text":"Okay.","start":1901.71,"end":1902.1901,"sentiment":"neutral","sentiment_score":0.05250652879476547},{"text":"No worries.","start":1902.1901,"end":1902.93,"sentiment":"neutral","sentiment_score":0.09007477015256882},{"text":"Say whatever.","start":1904.745,"end":1908.285,"sentiment":"neutral","sentiment_score":0.14611684530973434},{"text":"Yeah.","start":1912.8251,"end":1913.3251,"sentiment":"neutral","sentiment_score":0.21051716804504397},{"text":"No.","start":1920.09,"end":1920.57,"sentiment":"neutral","sentiment_score":-0.0107332281768322}],"sentiment":"neutral","sentiment_score":0.10352481422679764,"num_words":7,"start":1901.71,"end":1920.57},{"sentences":[{"text":"No.","start":1920.57,"end":1920.81,"sentiment":"neutral","sentiment_score":0.014106914401054382},{"text":"It's all good.","start":1920.81,"end":1921.71,"sentiment":"neutral","sentiment_score":0.22275906801223755},{"text":"Just just just like say, like, in regards to say that Benelon managed fund, If if like, if if you can, like, if you can say that that's, like, you know, like, the the process falling all the time, can you can you just call like, make an an early call on one or not?","start":1922.81,"end":1946.73,"sentiment":"neutral","sentiment_score":0.015387052331458439},{"text":"You know what I mean?","start":1947.77,"end":1948.6699,"sentiment":"neutral","sentiment_score":-0.04385550245642662},{"text":"Yeah.","start":1952.01,"end":1952.51,"sentiment":"neutral","sentiment_score":-0.001230515539646149}],"sentiment":"neutral","sentiment_score":0.0201255995207108,"num_words":65,"start":1920.57,"end":1952.51},{"sentences":[{"text":"Yeah.","start":1953.21,"end":1953.61,"sentiment":"neutral","sentiment_score":-0.003998376429080963},{"text":"Or just just because I I remember I did get an email once and said, look, one of your one of your one of your portfolios or one of the funds that you're in, we're gonna we're we're we're cutting it and we're gonna put it into something else.","start":1953.61,"end":1967.0851,"sentiment":"neutral","sentiment_score":-0.09297320292312272},{"text":"Like Yep.","start":1968.185,"end":1987.3401,"sentiment":"neutral","sentiment_score":-0.06921299733221531},{"text":"Yep.","start":2007.37,"end":2007.87,"sentiment":"neutral","sentiment_score":-0.21034501492977145},{"text":"Invest in money or something.","start":2012.01,"end":2013.23,"sentiment":"neutral","sentiment_score":-0.11639658957719803}],"sentiment":"neutral","sentiment_score":-0.09466274615762563,"num_words":58,"start":1953.21,"end":2013.23},{"sentences":[{"text":"Yeah.","start":2021.515,"end":2021.675,"sentiment":"neutral","sentiment_score":-0.20768016576766968},{"text":"Right.","start":2021.675,"end":2022.175,"sentiment":"neutral","sentiment_score":-0.20409661531448364},{"text":"Yep.","start":2030.9551,"end":2031.4551,"sentiment":"negative","sentiment_score":-0.43885383009910583},{"text":"Yeah.","start":2055.135,"end":2055.4548,"sentiment":"neutral","sentiment_score":-0.10196765512228012},{"text":"Yeah.","start":2055.4548,"end":2055.535,"sentiment":"neutral","sentiment_score":-0.09494295716285706}],"sentiment":"neutral","sentiment_score":-0.20950824469327928,"num_words":5,"start":2021.515,"end":2055.535},{"sentences":[{"text":"Right.","start":2055.535,"end":2056.015,"sentiment":"neutral","sentiment_score":-0.08567021042108536},{"text":"Okay.","start":2056.015,"end":2056.515,"sentiment":"neutral","sentiment_score":-0.07723404467105865},{"text":"Yeah.","start":2065.32,"end":2065.82,"sentiment":"neutral","sentiment_score":-0.003015529364347458},{"text":"Yep.","start":2076.095,"end":2076.595,"sentiment":"neutral","sentiment_score":0.14282207190990448},{"text":"All good.","start":2081.935,"end":2082.595,"sentiment":"positive","sentiment_score":0.6215707361698151}],"sentiment":"neutral","sentiment_score":0.20334062663217387,"num_words":6,"start":2055.535,"end":2082.595},{"sentences":[{"text":"All good.","start":2082.975,"end":2083.715,"sentiment":"positive","sentiment_score":0.575994461774826},{"text":"Yep.","start":2094.2898,"end":2094.7898,"sentiment":"neutral","sentiment_score":0.073666512966156},{"text":"Sure.","start":2096.3699,"end":2096.8699,"sentiment":"neutral","sentiment_score":0.3316628336906433}],"sentiment":"positive","sentiment_score":0.38932956755161285,"num_words":4,"start":2082.975,"end":2096.8699}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Brett. It's Carl calling from OQ Financial. How are you, sir?\n\nChannel 1: Not too bad, mate. There you go.\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I had do you schedule in for that presentation this afternoon? Is now still a good time for you?\n\nChannel 1: Go for it, mate.\n\nChannel 0: Great. Just to get started on that one, Brett, if I could just pass you through security, just that name, date of\n\nChannel 1: Yep.\n\nChannel 0: birth, and current address, we'll get started on that one.\n\nChannel 1: Sure. It's, 6 Pounder Air Close. New South Wales 2261. And my date of birth is the 02/31/0968.\n\nChannel 0: Right. Thanks for that on there, Brett. Now as I said, apologies for sort of how long this is taking to put together. I know we were talking about those insurance recently. You did raise again sort of the cost of those and maybe wanting to revisit that again.\n\nChannel 1: Yep. Definitely.\n\nChannel 0: Yeah. So with this one here, because of the previous conversation by the end of last year, obviously, there's a few business changes, I think I mentioned, that were going on towards the end of last year. So it took a while just to sort of change sort of the CRMs and where they were operating there. So it took a while to get these documents sorted out.\n\nChannel 1: Yep.\n\nChannel 0: But this is just basically saying to maintain your current level insurances. But following this conversation, I can send you out, like I did last time, the quotes of the reduction sort of amounts and what that looks like again for\n\nChannel 1: Yep.\n\nChannel 0: you to have a review of if you'd like.\n\nChannel 1: Sure. I don't know, but if you got the notes from when I made the appointment, but my amount that I made insured would is needs to drop because our our mortgage my my wife and my wife and my daughter, we got a pretty big payout, and we put\n\nChannel 0: Yep.\n\nChannel 1: it straight on the mortgage.\n\nChannel 0: Yeah. I did see that that came down quite quite a whack there\n\nChannel 1: So\n\nChannel 0: from what\n\nChannel 1: yes.\n\nChannel 0: it was previously. So yeah. So with that one because I remember we did the the quotes originally reducing down to, like, 400 and then down to, like, sort of as per needs, like a debt and a little bit of income replacement,\n\nChannel 1: Yes.\n\nChannel 0: things like that.\n\nChannel 1: Yep.\n\nChannel 0: Again, I could sort of look at doing it just a couple quotes up again for you and just send them off and see what that looks like. I know we did previously. You just want to keep it as\n\nChannel 1: Yep.\n\nChannel 0: is back then. But,\n\nChannel 1: Yep.\n\nChannel 0: obviously, that changes things a little bit. But with\n\nChannel 1: Yeah. Okay.\n\nChannel 0: that one there, I can do one for sort of, like, a a $2.50 amount and then\n\nChannel 1: Yep.\n\nChannel 0: sort of a couple other ones around that just to show you what it looks like for that life\n\nChannel 1: Yep.\n\nChannel 0: and TPD.\n\nChannel 1: Yeah. That's fine. That's fine.\n\nChannel 0: Perfect. One of the other things that I do need there, Brett, is just an updated ID. So before we implement any of the advice anyway, so even if you said happy days this advice or not, we can still go ahead with the insurance reduction anyway depending\n\nChannel 1: Yep.\n\nChannel 0: on whether or not you you like the the update that we're recommending or not because it is a product that you\n\nChannel 1: Yep.\n\nChannel 0: currently hold. We're recommending that in the advice piece today that you maintain that anyway. So a simple change of that one's just like a a record of advice where we'll just make a note that we had a discussion. Obviously, you know, the risks around being underinsured, you know, time left\n\nChannel 1: Yep.\n\nChannel 0: if you were to be injured and unable to work, those sort of things. You don't have long until you can access your superannuation anyway, even, like, as a conditional release, partially at the age of 60. So\n\nChannel 1: Yep.\n\nChannel 0: that's something you've got on your side there as well. But I will send you an email just requesting your ID. So to update that, we need to be able to have a a valid ID on file, which has expired, unfortunately.\n\nChannel 1: Yep.\n\nChannel 0: So I'll just send that to brett scrying oh, sorry. Scrying68@gmail.com. And\n\nChannel 1: Yep.\n\nChannel 0: if you\n\nChannel 1: Perfect.\n\nChannel 0: could just reply from back, which is like a an ID, so whether that's a passport or driver's license, we'll get that\n\nChannel 1: Yep.\n\nChannel 0: verified and update. So I'll send that through now. In addition to that one, I will be sending through this Odusign, a bit different to the DocuSigns you've used previously. But with this one, I'll have some email attachments. You'll have the statement in via the appendix.\n\nYou'll also have financial services guide, an OQ services guide, the updated copies of that one with those business changes.\n\nChannel 1: Yep.\n\nChannel 0: They have updated everything. And then also\n\nChannel 1: Yep.\n\nChannel 0: there's the PDF fee at your superannuation there as well. And there are a couple signable documents there. So\n\nChannel 1: Okay.\n\nChannel 0: that's just being a bit painful there. So with that one there, the signable documents will have your ongoing service agreement. And then also in addition to the ongoing service agreement, you will have that statement in advice if you were happy with everything. So if you're obviously on for the next twelve months, that'll be the document that allows you to do so, plus the recommendation we're making in relation to the superannuation side of things. Now\n\nChannel 1: Yep.\n\nChannel 0: it is just playing up, so bear with me while I just create that document again just to send out. Sorry. I had it set up to send out, but it just came out with an error message. I'll just have to create it again quickly. Sorry for going quiet there.\n\nIt just takes a second to put all the attachments back into the email. Perfect. So you should have that one there shortly. Now the today there, Brett, how much time do you have to run through this document? Because I can run through it quite quickly.\n\nIt is quite a a simple statement there. And then you can have some time to go through it this afternoon, have a little look at that one if you like, or I can go a little bit in-depth depending on how much time you've got on your hands.\n\nChannel 1: Yep. Oh, mate. I'm just I'm yeah. I'm still at work. I'm just but I'm I'm alright.\n\nI'm I'm fine, mate. You can do it anyway. I'm fine.\n\nChannel 0: Yeah. Not a\n\nChannel 1: Either\n\nChannel 0: problem.\n\nChannel 1: way. Either\n\nChannel 0: So\n\nChannel 1: way. Either way.\n\nChannel 0: as I said, it's quite a straightforward statement of advice piece there today. Anyway, so it shouldn't take too long to get through there. But has that email shown up in your inbox there yet?\n\nChannel 1: And the one about the ID\n\nChannel 0: Yeah. There should be a separate one there. It may just take a second to come through there. While that's coming through, I'll just start explaining what the document is there today there. So it was obviously finalized on the February 23.\n\nWhen you see those prepared for yourself by myself, Kyle, and that's my authorized representative number. I know OPU's financial services license and in addition to the the team that put this all together. So I just put it together in your best interest, Judy. If we can't put you in a better position, we don't recommend it, which is what that is. And then in regards to the scope of the advice, we basically just settled on the superannuation estate planning side of things.\n\nObviously, things have come up with the insurance as well that may need addressing. I'll send you off those quotes again for you to be able to have a look at and review.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that, the it won't affect the advice piece in the sense that we're still gonna get you to retain the policy. Obviously, giving your agent stage, you don't probably wanna go to underwriting again. You may end up with other loadings and exclusions that you don't currently have on your your current policy there as well. In addition to that one, I know you were sort of doing some budgeting and saving there in regards to you were gonna do a few renovations around the house and things like that, but we're happy budgeting that for yourself in addition to that\n\nChannel 1: Yep.\n\nChannel 0: one with the the money that you had come in. So you're probably well and above sort of what you're able to do in terms of your upgrades there, so that's fine. Same in regards to debt management and paying down your your debts to your primary residence there. We weren't touching on that one. We did mention a sort of money smart calculator having a play around in that.\n\nIf you did wanna sort of have a see what it might look like in the the amount you had left in paying that down to retirement, but as far as the advice and our recommendation, we didn't touch on that as well. In relation to investments, I know potentially as well, you were expecting a potential inheritance to come through at some point and maybe\n\nChannel 1: Yep.\n\nChannel 0: doing something with that money as well. But at this point, that's scoped out in addition to, obviously, property there as well and\n\nChannel 1: Yep.\n\nChannel 0: being able to pay repurchase something for your children. Obviously, we've got the the mortgage brokers we work with in conjunction and can provide sort of their details to be able to go through that and start that process if you did wanna start looking at maybe purchasing an investment property for the children, things like that as well. Now in regards to document, there is a limited advice warning. So, basically, this document here is, basically pertaining to the the not only just the the superannuation but the estate planning side of things. Everything else, we're aware of.\n\nWe're kind of accountability partners at the moment, but we're not currently making any recommendations on those, if that makes sense. Perfect. Now it is quite simple in the sense that we are recommending you attain not only insurances, but that NetWell superannuation\n\nChannel 1: Yep.\n\nChannel 0: there as well. In addition to that one, we did compare a few market alternatives. There were some out there that was slightly cheaper. There were some out there that had some other benefits. But given the time you've been in Netwealth, the capital gains that would apply if you left Netwealth, in addition to the services and how they are as a product in the market, they're still quite competitive in terms of, like, the features they offer and the cost you pay.\n\nSo we're just recommending you retain that fund. So we did compare\n\nChannel 1: Yep.\n\nChannel 0: a few of those alternatives. And then we're just looking at changing those underlying investments. So you were quite heavily invested in the the Bennelong, that actively managed fund.\n\nChannel 1: That's\n\nChannel 0: From\n\nChannel 1: that's terrible. Terrible performer, that one.\n\nChannel 0: yep. So within regards to that one, so obviously, COVID had its effects. And then from there, you're traveling quite nicely. Then obviously, the tariff talk with Trump was a bit of a dip, and then it started to recover quite nicely. But then given what occurred with Ben Long and that underlying asset that was done for accounting and not reporting correctly, caused that\n\nChannel 1: Yep.\n\nChannel 0: portfolio to basically take a little bit of a backwards turn this year. Then saying that we're looking at adjusting that, changing that out so that moving forward, you don't have that sort of market volatility within regards\n\nChannel 1: Yep.\n\nChannel 0: to managed funds at least anyway and still maintaining that level of growth that you're getting out of your superannuation with just different asset classes.\n\nChannel 1: Yep.\n\nChannel 0: Now can you see the the email there with the documents there at all there, Brett? Yeah. We have had issues with it being quite slow sometimes. Not an issue. I can just run through it, and then you obviously have some time to look through it in your own time.\n\nIt's\n\nChannel 1: Sure.\n\nChannel 0: valid to thirty days from when we sort of like the documents finalized. So thirty days from the twenty third of the second there. And then from there, it's valid for another thirty as long as nothing sort of major has changed that affects the advice. And given that it's just an investment update, that should be fine.\n\nChannel 1: Yes.\n\nChannel 0: Page eight and nine, you'll see your details to just confirm that they are all correct. We have updated the the liability on the the mortgage there as well. In addition to that one, you've got your credit card debit. Obviously, that's just based on the same way that, you know, banks calculate with the the credit card debt. I know you're able to sort of pay it off quite regularly, but it's just based on what we'll have there\n\nChannel 1: Yep.\n\nChannel 0: for that one. So just the $3,000 value. In addition to the net wealth there, you've obviously got the AIA policy that is attached to that and paid through the rollovers over that. And with that one, it's for that 426,000 of life and around the 406 of total permanent disability. Now as I said, I'll do up some more quotes for you there, request those, and then we can send those to you to have a look at and see what you might wanna do in terms of, like, costs and the cover you might need.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: In addition to that one, you are getting quite close, you know, to that age of 60 where you can access your super, so you might not need it in a few more years if that makes sense as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: In the event that something did happen, you would potentially, as long as you're over the age of 60, made a conditional release to be able to access your super. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: in regards to that, you don't wanna sort of be eating into your superannuation too much because that is your retirement money there as well. And\n\nChannel 1: Yep.\n\nChannel 0: then you sort of just be relying on government assistance programs, things like that as well. But at least you've got that access there in a few years' time. Now in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment. So with that, I know, you know, sooner, the better when it comes to retirement, but you're sort of still happy to work through to the age of 67 should you need to get to that sorta pension age there as well to assist in your retirement. So with that one there, you still have plenty of time to maintain that level of exposure to growth assets.\n\nAnd as I said, we're looking at removing the active portion anyway in regards to that. So you wouldn't be looking to, like, try and outperform the market for that higher cost. We're actually looking at going a bit more passive\n\nChannel 1: Yep. Yep.\n\nChannel 0: to where you don't have those active managed funds, but with that, it lowers the investment cost quite significantly. And then given that as well, it lowers that management risk, which can cause those fluctuations like what occurred in Benelong with the waiting that you did have in your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So moving forward, you obviously if the markets travel well with that, it's more indexed approach that will still continue to perform quite well and add a cheaper cost there as well. One of the risks is is obviously if the markets do stagnate just a little bit then, so with your your your superannuation there as well in terms of the returns because it's not trying to outperform the market. You don't have those active managers. But in saying that that you just do what the market's doing, you don't have the risk of going, like, double double sided the wrong way, like, like, been along did there as well.\n\nChannel 1: Yep.\n\nChannel 0: Now within regards to that maintaining, you obviously don't pay that capital gains or as much when it comes to switching the investment. There will be a slight capital gain given that over historically, you know, you have had quite good returns overall. So you will have to pay\n\nChannel 1: Yeah.\n\nChannel 0: some capital gains on switching those investments. But with that, you'll still have a platform that's quite flexible to be able to do those transition retirement strategies later on and things like that as well and being able to choose the portfolios that we currently have. Do you have any questions in regards to the the platform or anything like that, Brett?\n\nChannel 1: No, ma'am. I'm all good. Gotcha.\n\nChannel 0: Perfect. Now, obviously, you know, there's obviously risks in the sense that you are sort of buying and selling, so there's a cost associated with that one switching up investments. Also, the time out of the market for the investments that have been sold down to cash. But with that, it is sort of not the majority of your port portfolio. It makes up for given that that little bit of a loss with Benelon recently to be that you'll be buying into some new assets while the rest of it still remains invested that has been performing well.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Yes.\n\nChannel 0: with that, we did look at this sort of, you know, holding on to Bennelong, what that might look like, but there's not much confidence in them moving forward given the past few years of performance plus what occurred at the end of last year. And then\n\nChannel 1: Yep.\n\nChannel 0: with that, there's funds that we're recommending that a lower risk in terms of that investment risk. And in addition to that, they're lower costs, so you'll save as well. We also looked at still switching, but we've given you time\n\nChannel 1: Yep.\n\nChannel 0: sort of till the age of 60 where you might wanna be start drawing down and things like that. Paying\n\nChannel 1: Yep.\n\nChannel 0: that high capital gains now can really sort of affect your your growth and that compounding effect for the amounts and lowering that balance. So on page 16, not that you can see it, you'll be able to see the buyers and sales. So with that, you will be switching from the bed along there will be a slight adjustment for the gold portion in that as well given that sounds so well. And then you'll be selling down of the Vanguard fixed interest. And then also, there's a a Miski fund, which is sort of the investment outside of The US and more Europe focused,\n\nChannel 1: Yep.\n\nChannel 0: that Europe, Asia. And then you'll be switching to a Vanguard all world excluding The US, which is basically the alternative for that, Miski there. It is that cheaper cost ongoing. In addition to that one there, you'll just be switching to the BetaShares 200, which is basically the Australian equities that's switching out for the Benelon. So that's just,\n\nChannel 1: Yep.\n\nChannel 0: like, the top 200 companies in Australia. And then you'll have an iShares core composite bond. So that's kind of like the the switches there in terms of what's going and what's coming in. And\n\nChannel 1: Yep.\n\nChannel 0: then gold's just being adjusted just a little bit. Now as far as the allocation goes, you will have actually a slightly higher allocation growth assets, and that's only due because we consider at the moment alternative growth assets to the gold being 10% to be a 100% growth at the moment, which means that it does bump up technically. But in saying that gold can be considered quite offensive in market turnarounds there as well.\n\nChannel 1: Yep.\n\nChannel 0: And if this is that one, you still have your bond and a few other portions of that portfolio. That does still mean you're quite defensive with that 14% total, and, obviously, gold can be considered a bit of a split, but currently, it's all all growth. So you will increase your exposure slightly to growth assets, but you will not have that manager risk that comes with the funds and things like that. And it also\n\nChannel 1: Yep.\n\nChannel 0: diversifies your portfolio a little bit more as well as your key holdings, the amount going into those. You've got about 30% in the S and P 500, but given that, you know, you've got quite the high allocation currently, the Bed along being 36% to a managed fund is\n\nChannel 1: Yes.\n\nChannel 0: quite high, and then the index is a lot more sort of stable and a safer sort of bet than managed funds and how they do return sort of year on year. Now with that one there as well, it will drop your investment fee down that $842 per annum in terms of the ongoing cost.\n\nChannel 1: Yep.\n\nChannel 0: And then overall, with the growth estimate, it will predict that your adviser fee will go up slightly for a year's worth of growth just based on the fact that one we're recommending is performing better in terms of your current investment. So overall, it's it estimates you're gonna be around sort of 701 bit dollars better off per annum just in terms of the total fees you're paying,\n\nChannel 1: Yep.\n\nChannel 0: plus the portfolio that you're going into has just been performed a bit better. Little less risk and then lower lower costs, which is your guaranteed savings, which you'll get for the next few years moving forward until you sort of hit that transition to retirement stage.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. There are a few, like, percent projections there as well that show you what that might look like as a a difference in how that might be performing if everything was to replicate itself year on year. But, obviously,\n\nChannel 1: Yes.\n\nChannel 0: projections to be taken with a grain of salt. You know, they're never sort of accurate because the markets never replicate year on year. And given that, you know, it seems like every second day someone's starting a new wall with someone else, it can\n\nChannel 1: There\n\nChannel 0: be\n\nChannel 1: it\n\nChannel 0: quite\n\nChannel 1: is, isn't\n\nChannel 0: unpredictable.\n\nChannel 1: it?\n\nChannel 0: Yeah.\n\nChannel 1: It is at the moment. It's like, all the you know, you hear on the news almost, like, every week. Oh, the gains that we made this week have been lost overnight. It's like, what the hell?\n\nChannel 0: Yeah. Basically, first, it was, you know, what was it? Venezuela being kidnapped, the dictator, and then, yeah, Iran's been bombed, and then they've retaliated. So it's just, yeah, one thing after another at the moment, unfortunately.\n\nChannel 1: It's just it's amazing how one person might feel can can inflict a lot of pain.\n\nChannel 0: Yeah. Well, it's amazing just what one tweet from, you know, someone like Trump can do in terms of, like,\n\nChannel 1: Yeah.\n\nChannel 0: markets.\n\nChannel 1: It's not good.\n\nChannel 0: Yeah. As much as we like to think that it's all sort of numbers and analytics, when the markets are concerned, it is people at the end of the day buying and selling those assets. So a lot of it comes down to emotional bias and things like that as well when it comes to the buying and selling and things.\n\nChannel 1: Yep.\n\nChannel 0: As far as your estate planning side of things goes there as well, I know you have your your net wealth beneficiary there in force. But as far as the AIA, I don't believe it's ever been completed or it has been, and then somewhere along the line, it's sorta lapsed or it wasn't complete. I'm not too quite sure. But I know you've got Donna there as a 100% nonlapsing binding. So\n\nChannel 1: Yep.\n\nChannel 0: we are just recommending you nominate your spouse against that AIA policy.\n\nChannel 1: Sure.\n\nChannel 0: In addition to that one, obviously, spouses, a 100% of the time, will get the benefit tax free. Now\n\nChannel 1: Yep.\n\nChannel 0: I know that you've got the sort of adult children, but the adult children there, they'll be charged a tax on top of that. So they won't get the benefit tax free because they're no longer tax dependent unless, obviously, they come back home living at home and you're paying sort of their way and things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: And then they might sort of receive\n\nChannel 1: Hi.\n\nChannel 0: it for\n\nChannel 1: Do you have\n\nChannel 0: pun?\n\nChannel 1: a knob stop do you have a knob stop playing their way?\n\nChannel 0: Yeah. Exactly. Unfortunately, it's a lot harder to prove when it comes to the super side of things there as well. The other option is obviously to leave it to your will and to be distributed that way. You don't\n\nChannel 1: Yep.\n\nChannel 0: have to pay the the Medicare levy there if it was to go through the will, which is a bit of a benefit, but you will sort of still pay tax when going to the the estate as well. So those are the sort of options there that we're recommending you do your your spouse. Again, much like before, and I know you just haven't looked at your will for a while, so we do recommend that you go, you\n\nChannel 1: Yeah.\n\nChannel 0: know, have\n\nChannel 1: I need\n\nChannel 0: a conversation\n\nChannel 1: I need\n\nChannel 0: with yeah.\n\nChannel 1: yeah. I\n\nChannel 0: And\n\nChannel 1: need to do that. Definitely need to do that. Absolutely.\n\nChannel 0: yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: that was the recommendation there as well. It's just to review that. We'll make sure it is all up to date, especially, you know, given that things have quite changed in terms of, like, bit of money coming in there. Same if if you were to get an inheritance as well and be completely debt free. And if you were to know, purchase investment properties, things like that, all those make quite\n\nChannel 1: Yes.\n\nChannel 0: a difference as well when it comes down to the estate planning matters.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now as far as your ongoing services, they don't change at all. Obviously, you can have a look at the the new FSG and services guide there that they've done up and see what you're sort of entitled to as an ongoing client. As far as the adviser fee, they are looking at, you know, changing the fee structure eventually. But at the moment, it's still that 1.65 there.\n\nIt\n\nChannel 1: Yep.\n\nChannel 0: has the estimated adviser fee around that sort of $3,456 as an annualized premium if your super was to grow based on the recommended projections. So that is an estimate of what that might look like, and then we do still get 22% of the premiums of the AIA policy for keeping it in force, which is around the 1,200. Now that's not to say that you pay that additional on top of what you pay to AIA. We just get a commission from AIA, and we have to disclose that just based on the fact that we're getting remuneration from it for maintaining that policy, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. So as far as, like, upfront cost, things like that, it's not upfront or anything. It's just the ongoing that you're currently paying. If you were to sign the document, you're happy with the investment update, we do that all on the back end there for you. Obviously, you know, it is quite a straightforward document there.\n\nThere's a few things that we did touch on, but we didn't provide advice on at this point.\n\nChannel 1: Yep.\n\nChannel 0: So that sort of things for later dates there as well, so we're aware of. We've got them noted there just to keep an eye on them, keep you accountable sort of things as well. Ask you sort of every 12 just to make sure you don't forget as well, much\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: Okay.\n\nChannel 0: that will.\n\nChannel 1: Yeah.\n\nChannel 0: In addition, if you did want advice on it in the future, it makes it a lot easier there as well. So in addition to that, if you were to sign, we do that change in the back end. It wouldn't change anything else there for you, and then we can send you a copy of those beneficiary forms there as well for the\n\nChannel 1: Okay.\n\nChannel 0: AIA policy. Would you\n\nChannel 1: Yep.\n\nChannel 0: like that just like to be mailed to you or emailed?\n\nChannel 1: I think you can email that. That would be that would be good.\n\nChannel 0: Perfect. I'll get the team to email a copy there, and I'm I'll even ask them to prefill it for you there as well just with your your\n\nChannel 1: Sure.\n\nChannel 0: partner's details. But do you have any questions in regards to that document roll there, Brett? As I said, it is\n\nChannel 1: No.\n\nChannel 0: quite quite\n\nChannel 1: Not\n\nChannel 0: straightforward.\n\nChannel 1: not at this stage. I mean,\n\nChannel 0: Yep.\n\nChannel 1: I'll I'll look at it when that email comes through and and have a good look at it. And if I've got any questions, I I I can give you a call, mate. But at this stage, no. I don't have any questions.\n\nChannel 0: Perfect. As I said, you got plenty of time. In the meantime, though, if you could get us a copy of your your ID there, the most up to date one\n\nChannel 1: I\n\nChannel 0: there as\n\nChannel 1: I\n\nChannel 0: well.\n\nChannel 1: I actually just sent it sent it through, mate.\n\nChannel 0: Oh, brilliant. That's perfect. I'll get on to that, and I'll get that one actioned there for you. And then, yeah, we do have here too that the last contribution you got from your Central Coast Football Club is around the 288 there. Have you started taking, like, a wage plus them contributing to your super, or is that just what you got in terms of, like, the amount you for the work you did this year or\n\nChannel 1: Yeah.\n\nChannel 0: last\n\nChannel 1: That was\n\nChannel 0: year?\n\nChannel 1: just just the amount. Yeah. Yeah. For the amount that I did last year. Yeah.\n\nChannel 0: Alright.\n\nChannel 1: It's\n\nChannel 0: Not\n\nChannel 1: just\n\nChannel 0: a problem.\n\nChannel 1: like\n\nChannel 0: It just\n\nChannel 1: a it's just just an honorary thing.\n\nChannel 0: yeah. It just seemed a little bit less. I wasn't sure if you changed up your pay structure or things like that.\n\nChannel 1: Really?\n\nChannel 0: Pardon?\n\nChannel 1: So I would say it's a bit less.\n\nChannel 0: I only got it for $288 in terms of the contribution amount that went in, which I think the previous year, it was closer to the 1,500. Yeah. Something. That's why I was sort of just double checking.\n\nChannel 1: I\n\nChannel 0: I'll just bring up contributions again. I'll see that the last one was compared to this one.\n\nChannel 1: thought it was, like, January.\n\nChannel 0: Yes. On the 2026, it went in for $288. And then the last one prior to that, I'll just see where that one was. It was around 2,400. Yeah.\n\nThat's what I was a little bit confused just when I was looking at it because it's obviously quite easy to see what the Central Coast Football Club and what they're they're putting in there. Yeah. Since you've been on board, they've had, yeah, just that one in 2024 and then that last one there in the year 2026, month of the first.\n\nChannel 1: I did. K. It was got one, two, and seven, I think. Yeah. You're right.\n\nYou there, man?\n\nChannel 0: Yeah. Yeah. Sorry. I thought you were speaking to someone\n\nChannel 1: Sorry, man. Yeah.\n\nChannel 0: else.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: I just had a look here on the on the January 9. There\n\nChannel 0: Yep.\n\nChannel 1: was a salary sacrifice contribution of 2,400.\n\nChannel 0: Okay. Yeah. Because I can just see the I was just looking at the employer super guarantee contribution\n\nChannel 1: That's\n\nChannel 0: amount.\n\nChannel 1: that's the one from Plumbing Kitchen. That's\n\nChannel 0: Pardon?\n\nChannel 1: that's from Plumbing Kitchen. That one?\n\nChannel 0: Oh, the salary sacrifice there was from\n\nChannel 1: But that's not Salisbury's Acropause. That's just right. The Salisbury's Acropause contribution is not from Central High School.\n\nChannel 0: sorry. I'm just having a quick look here. So you you're salary sacrificing there currently with your current employer there as well, or is it salary sacrifice\n\nChannel 1: No.\n\nChannel 0: in terms\n\nChannel 1: No. I'm with the Central\n\nChannel 0: With\n\nChannel 1: Coast Football one.\n\nChannel 0: because it's the last one in 2024 came as employer super guarantee contribution, and then there's that one there. And then, yeah, there is also a salary sacrifice contribution, but I can't see what it was for. Like, it doesn't actually list it for an hour. And so that salary sacrifice contribution made in 2026 was also from the football club?\n\nChannel 1: That's right. Yes.\n\nChannel 0: Okay. Do you know what the the other amount would be for then as well?\n\nChannel 1: Which one? 2,088?\n\nChannel 0: Yeah.\n\nChannel 1: That would be from my full time employment.\n\nChannel 0: No. It still says that one there is from Central Coast Football.\n\nChannel 1: Oh,\n\nChannel 0: Is\n\nChannel 1: does\n\nChannel 0: it\n\nChannel 1: it?\n\nChannel 0: $2.80\n\nChannel 1: Oh, I\n\nChannel 0: out\n\nChannel 1: can't.\n\nChannel 0: there as well? Unless they're paying you, like, that's your salary that you fully salary sacrifice in, and then you've got the 288 there as well that's, like, on top of the the 2,400 that you earn. I'm not too sure how the accountant has been doing it, but you can I can see the salary sacrifice amounts going in, and then I can see, yeah, just a couple additional payments there as\n\nChannel 1: Yeah.\n\nChannel 0: well? So in 2024, it's employer a contribution, and then the salary sacrifice amount. You've got 2023 was a salary sacrifice contribution, 2025 was sales tax, and then 2026 was sales tax. And then you've also got the employer paid contribution. There's a $288 on the ninth of the first as well.\n\nChannel 1: Yeah. I know that one.\n\nChannel 0: Yeah. So I'm not too sure because, obviously, you're able to sell sacrifice the amount of 2,400. So I'm not too sure if they've realized they should have been paying you super on top of that as well for that amount or they just started doing it, but you got an extra $288 there as well.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Okay. Crazy.\n\nChannel 1: Say\n\nChannel 0: I mean, free money is free\n\nChannel 1: whatever.\n\nChannel 0: money, so don't ask where it comes from. Don't complain.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem. But do you have any questions for me there, Brett, in regards to anything else or anything that was discussed there?\n\nChannel 1: No. No. It's all good. Just just just like say, like, in regards to say that Benelon managed fund,\n\nChannel 0: Yep.\n\nChannel 1: If if like, if if you can, like, if you can say that that's, like, you know, like, the the process falling all the time, can you can you just call like, make an an early call on one or not? You know what I mean?\n\nChannel 0: In terms of, like, us just making a change without informing\n\nChannel 1: Yeah.\n\nChannel 0: you sort of thing?\n\nChannel 1: Yeah. Or just just because I I remember I did get an email once and said, look, one of your one of your one of your portfolios or one of the funds that you're in, we're gonna we're we're we're cutting it and we're gonna put it into something else.\n\nChannel 0: Yes. So,\n\nChannel 1: Like\n\nChannel 0: obviously, it's like extenuating circumstance, I think. So during COVID and a few other circumstances when it came to, like, those sort of events, the investment community has made, like, company wide decisions to, you know, just blanket to, like, a recorded advice for changing this due to these reasons.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, in regards to Bennelong, it was something that it wasn't sort of foreseen. Like, with the global pandemic, you could see it, like, sort of coming with what was occurring. In terms of the Benelung, the reason that caused it to dip so so you can fill in so quickly was largely due to the corporate traveler investment that got done for not reporting correctly. And the only way\n\nChannel 1: Yep.\n\nChannel 0: you sort of would have known about that was if you yeah.\n\nChannel 1: Invest\n\nChannel 0: What\n\nChannel 1: in money or something.\n\nChannel 0: yeah. If you had a little bit of insider knowledge in regards to that, because after that was announced, it dipped really quite significantly.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Right.\n\nChannel 0: then throughout the sort of back December, it's just basically gone, you know, your ups and your downs, your ups and your downs. It doesn't really go on anywhere. It's remained\n\nChannel 1: Yep.\n\nChannel 0: quite stagnant. Even year to date, I think it's only it went up to, like, 4% back, and now it's only sort of sitting at point 2% back for the year. So, yeah, unless you sort of knew prior to, you know, the November there that that was gonna occur, you really hadn't sort of no knowledge that it was gonna dip that significantly and that quickly because it was, like, 20% over the course of, like, a\n\nChannel 1: Yeah. Yeah. Right.\n\nChannel 0: month.\n\nChannel 1: Okay.\n\nChannel 0: So quite a significant dip. The other one that crashed more, I think, was your cryptocurrencies if you ever doubled in those as well.\n\nChannel 1: Yeah.\n\nChannel 0: But, yes, as it like, as they've done a review of that, they have decided as an investment key to move away from Benelung, which is part of, like, the update there as well.\n\nChannel 1: Yep.\n\nChannel 0: No problem. Do you have any questions in regards to that one there, Brett?\n\nChannel 1: All good. All good.\n\nChannel 0: Too easy. Obviously, yeah, have a read through document, come back with any questions. I'll get those quotes done up. Maybe I'll get them this afternoon or maybe sometime tomorrow, and I'll just shoot you an email with those\n\nChannel 1: Yep.\n\nChannel 0: different amounts there as well.\n\nChannel 1: Sure.\n\nChannel 0: Too easy. Well, you enjoy the rest of your day at work there, Brett. Thanks for your time, and I'm sure we'll speak soon. Cheers. Thanks, mate.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.05911204218864441}],"sentiment":"neutral","sentiment_score":0.05911204218864441,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Good afternoon, Brett.","start":3.04,"end":3.84,"sentiment":"positive","sentiment_score":0.37800852457682294},{"text":"It's Carl calling from OQ Financial.","start":3.84,"end":5.44,"sentiment":"neutral","sentiment_score":0.2463029349843661},{"text":"How are you, sir?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.30800069123506546}],"sentiment":"neutral","sentiment_score":0.29568045758284056,"channel":0,"num_words":13,"start":3.04,"end":6.3399997},{"sentences":[{"text":"Not too bad, mate.","start":6.56,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.2837921194732189},{"text":"There you go.","start":7.3599997,"end":8.1,"sentiment":"neutral","sentiment_score":0.3319194515546163}],"sentiment":"neutral","sentiment_score":0.3044181189366749,"channel":1,"num_words":7,"start":6.56,"end":8.1},{"sentences":[{"text":"Yeah.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.2818799614906311},{"text":"Not too bad at all.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.3615319848060608},{"text":"Thanks for asking.","start":9.28,"end":10.08,"sentiment":"positive","sentiment_score":0.6452722152074178},{"text":"I had do you schedule in for that presentation this afternoon?","start":10.08,"end":12.799999,"sentiment":"neutral","sentiment_score":0.2313091985204003},{"text":"Is now still a good time for you?","start":12.799999,"end":14.235,"sentiment":"neutral","sentiment_score":0.32350969314575195}],"sentiment":"neutral","sentiment_score":0.3270655450012003,"channel":0,"num_words":28,"start":8.24,"end":14.235},{"sentences":[{"text":"Go for it, mate.","start":14.559999,"end":15.54,"sentiment":"positive","sentiment_score":0.5384954959154129}],"sentiment":"positive","sentiment_score":0.5384954959154129,"channel":1,"num_words":4,"start":14.559999,"end":15.54},{"sentences":[{"text":"Great.","start":17.115,"end":17.615,"sentiment":"positive","sentiment_score":0.7478405237197876},{"text":"Just to get started on that one, Brett, if I could just pass you through security, just that name, date of","start":17.675,"end":21.275,"sentiment":"positive","sentiment_score":0.38538800676663715}],"sentiment":"positive","sentiment_score":0.40186312117359857,"channel":0,"num_words":22,"start":17.115,"end":21.275},{"sentences":[{"text":"Yep.","start":21.175,"end":21.675,"sentiment":"neutral","sentiment_score":0.2815629243850708}],"sentiment":"neutral","sentiment_score":0.2815629243850708,"channel":1,"num_words":1,"start":21.175,"end":21.675},{"sentences":[{"text":"birth, and current address, we'll get started on that one.","start":21.275,"end":23.695,"sentiment":"positive","sentiment_score":0.337811279296875}],"sentiment":"positive","sentiment_score":0.337811279296875,"channel":0,"num_words":10,"start":21.275,"end":23.695},{"sentences":[{"text":"Sure.","start":23.975,"end":24.215,"sentiment":"neutral","sentiment_score":0.0768924430012703},{"text":"It's, 6 Pounder Air Close.","start":24.215,"end":27.355,"sentiment":"neutral","sentiment_score":0.041574490070343015},{"text":"New South Wales 2261.","start":28.215,"end":29.94,"sentiment":"neutral","sentiment_score":0.04185229726135731},{"text":"And my date of birth is the 02/31/0968.","start":30.42,"end":33.96,"sentiment":"neutral","sentiment_score":0.05951365828514099}],"sentiment":"neutral","sentiment_score":0.05157129714886347,"channel":1,"num_words":18,"start":23.975,"end":33.96},{"sentences":[{"text":"Right.","start":34.65,"end":34.97,"sentiment":"neutral","sentiment_score":0.15228043496608734},{"text":"Thanks for that on there, Brett.","start":34.97,"end":36.35,"sentiment":"positive","sentiment_score":0.4191930741071701},{"text":"Now as I said, apologies for sort of how long this is taking to put together.","start":37.13,"end":40.975002,"sentiment":"neutral","sentiment_score":-0.27501646615564823},{"text":"I know we were talking about those insurance recently.","start":40.975002,"end":42.895,"sentiment":"neutral","sentiment_score":-0.2593723022275501},{"text":"You did raise again sort of the cost of those and maybe wanting to revisit that again.","start":42.895,"end":47.075,"sentiment":"neutral","sentiment_score":-0.2757995014681536}],"sentiment":"neutral","sentiment_score":-0.17868911885485358,"channel":0,"num_words":49,"start":34.65,"end":47.075},{"sentences":[{"text":"Yep.","start":47.455,"end":47.855003,"sentiment":"neutral","sentiment_score":0.00630746316164732},{"text":"Definitely.","start":47.855003,"end":48.355003,"sentiment":"neutral","sentiment_score":0.0625855028629303}],"sentiment":"neutral","sentiment_score":0.03444648301228881,"channel":1,"num_words":2,"start":47.455,"end":48.355003},{"sentences":[{"text":"Yeah.","start":49.615,"end":49.935,"sentiment":"neutral","sentiment_score":0.008770512416958809},{"text":"So with this one here, because of the previous conversation by the end of last year, obviously, there's a few business changes, I think I mentioned, that were going on towards the end of last year.","start":49.935,"end":57.66,"sentiment":"neutral","sentiment_score":-0.05773326946008536},{"text":"So it took a while just to sort of change sort of the CRMs and where they were operating there.","start":57.66,"end":61.9,"sentiment":"neutral","sentiment_score":-0.09267622455954552},{"text":"So it took a while to get these documents sorted out.","start":61.9,"end":64.0,"sentiment":"neutral","sentiment_score":-0.10873163152824748}],"sentiment":"neutral","sentiment_score":-0.07528234744334922,"channel":0,"num_words":68,"start":49.615,"end":64.0},{"sentences":[{"text":"Yep.","start":64.32,"end":64.82,"sentiment":"neutral","sentiment_score":0.006970257963985205}],"sentiment":"neutral","sentiment_score":0.006970257963985205,"channel":1,"num_words":1,"start":64.32,"end":64.82},{"sentences":[{"text":"But this is just basically saying to maintain your current level insurances.","start":64.46,"end":67.44,"sentiment":"neutral","sentiment_score":-0.020135100193632145},{"text":"But following this conversation, I can send you out, like I did last time, the quotes of the reduction sort of amounts and 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through it this afternoon, have a little look at that one if you like, or I can go a little bit in-depth depending on how much time you've got on your hands.","start":359.01,"end":366.47,"sentiment":"neutral","sentiment_score":0.13583644752095386}],"sentiment":"neutral","sentiment_score":0.15257592879387796,"channel":0,"num_words":49,"start":356.77,"end":366.47},{"sentences":[{"text":"Yep.","start":366.64502,"end":367.045,"sentiment":"neutral","sentiment_score":0.11433950066566469},{"text":"Oh, mate.","start":367.045,"end":367.445,"sentiment":"neutral","sentiment_score":0.1653115302324295},{"text":"I'm just I'm yeah.","start":367.445,"end":368.48502,"sentiment":"neutral","sentiment_score":0.08836524561047554},{"text":"I'm still at work.","start":368.48502,"end":369.285,"sentiment":"neutral","sentiment_score":0.050150188617408276},{"text":"I'm just but I'm I'm alright.","start":369.285,"end":370.565,"sentiment":"neutral","sentiment_score":0.12716433219611645}],"sentiment":"neutral","sentiment_score":0.10364766418933868,"channel":1,"num_words":17,"start":366.64502,"end":370.565},{"sentences":[{"text":"I'm I'm fine, mate.","start":370.565,"end":371.7,"sentiment":"positive","sentiment_score":0.41242029517889023},{"text":"You can do it anyway.","start":371.7,"end":372.68002,"sentiment":"positive","sentiment_score":0.41835315227508546},{"text":"I'm fine.","start":372.74002,"end":373.56,"sentiment":"neutral","sentiment_score":0.30235059559345245}],"sentiment":"positive","sentiment_score":0.3951043757525357,"channel":1,"num_words":11,"start":370.565,"end":373.56},{"sentences":[{"text":"Yeah.","start":374.125,"end":374.525,"sentiment":"neutral","sentiment_score":0.1216946467757225},{"text":"Not a","start":374.525,"end":374.845,"sentiment":"neutral","sentiment_score":0.07167213037610054}],"sentiment":"neutral","sentiment_score":0.08834630250930786,"channel":0,"num_words":3,"start":374.125,"end":374.845},{"sentences":[{"text":"Either","start":374.74002,"end":374.98,"sentiment":"neutral","sentiment_score":0.02163362130522728}],"sentiment":"neutral","sentiment_score":0.02163362130522728,"channel":1,"num_words":1,"start":374.74002,"end":374.98},{"sentences":[{"text":"problem.","start":374.845,"end":375.16498,"sentiment":"neutral","sentiment_score":0.09197444468736649}],"sentiment":"neutral","sentiment_score":0.09197444468736649,"channel":0,"num_words":1,"start":374.845,"end":375.16498},{"sentences":[{"text":"way.","start":374.98,"end":375.135,"sentiment":"neutral","sentiment_score":0.07714899629354477},{"text":"Either","start":375.135,"end":375.29,"sentiment":"neutral","sentiment_score":0.05517132580280304}],"sentiment":"neutral","sentiment_score":0.0661601610481739,"channel":1,"num_words":2,"start":374.98,"end":375.29},{"sentences":[{"text":"So","start":375.16498,"end":375.66498,"sentiment":"neutral","sentiment_score":0.07035822421312332}],"sentiment":"neutral","sentiment_score":0.07035822421312332,"channel":0,"num_words":1,"start":375.16498,"end":375.66498},{"sentences":[{"text":"way.","start":375.29,"end":375.54,"sentiment":"neutral","sentiment_score":0.10779131203889848},{"text":"Either way.","start":375.54,"end":376.12003,"sentiment":"neutral","sentiment_score":0.1120249330997467}],"sentiment":"neutral","sentiment_score":0.11061372607946396,"channel":1,"num_words":3,"start":375.29,"end":376.12003},{"sentences":[{"text":"as I said, it's quite a straightforward statement of advice piece there today.","start":377.16498,"end":381.425,"sentiment":"neutral","sentiment_score":0.26070299515357387},{"text":"Anyway, so it shouldn't take too long to get through there.","start":381.89,"end":386.05002,"sentiment":"neutral","sentiment_score":0.2171956260095943},{"text":"But has that email shown up in your inbox there yet?","start":386.05002,"end":388.55002,"sentiment":"neutral","sentiment_score":0.05299388685009696}],"sentiment":"neutral","sentiment_score":0.18174924509865897,"channel":0,"num_words":35,"start":377.16498,"end":388.55002},{"sentences":[{"text":"And the one about the ID","start":388.94498,"end":391.28497,"sentiment":"neutral","sentiment_score":0.030308544014890988}],"sentiment":"neutral","sentiment_score":0.030308544014890988,"channel":1,"num_words":6,"start":388.94498,"end":391.28497},{"sentences":[{"text":"Yeah.","start":393.25,"end":393.65,"sentiment":"neutral","sentiment_score":0.054075587540864944},{"text":"There should be a separate one there.","start":393.65,"end":395.91,"sentiment":"neutral","sentiment_score":0.06686583640319961},{"text":"It may just take a second to come through there.","start":423.23502,"end":426.695,"sentiment":"neutral","sentiment_score":0.05930044874548912},{"text":"While that's coming through, I'll just start explaining what the document is there today there.","start":432.82,"end":436.66,"sentiment":"neutral","sentiment_score":0.12156252165635427},{"text":"So it was obviously finalized on the February 23.","start":436.66,"end":440.44,"sentiment":"neutral","sentiment_score":0.23126689592997232}],"sentiment":"neutral","sentiment_score":0.11952335281031472,"channel":0,"num_words":42,"start":393.25,"end":440.44},{"sentences":[{"text":"When you see those prepared for yourself by myself, Kyle, and that's my authorized representative number.","start":440.82,"end":446.605,"sentiment":"neutral","sentiment_score":0.17378122732043266},{"text":"I know OPU's financial services license and in addition to the the team that put this all together.","start":446.605,"end":451.585,"sentiment":"neutral","sentiment_score":0.17304029481278527},{"text":"So I just put it together in your best interest, Judy.","start":451.725,"end":453.64502,"sentiment":"neutral","sentiment_score":0.2885700802911412},{"text":"If we can't put you in a better position, we don't recommend it, which is what that is.","start":453.64502,"end":457.665,"sentiment":"negative","sentiment_score":-0.7170589632458158},{"text":"And then in regards to the scope of the advice, we basically just settled on the superannuation estate planning side of things.","start":458.27,"end":463.97,"sentiment":"neutral","sentiment_score":-0.07201915225860747}],"sentiment":"neutral","sentiment_score":-0.06378808071946397,"channel":0,"num_words":85,"start":440.82,"end":463.97},{"sentences":[{"text":"Obviously, things have come up with the insurance as well that may need addressing.","start":464.03,"end":467.15,"sentiment":"neutral","sentiment_score":-0.1221348981239966},{"text":"I'll send you off those quotes again for you to be able to have a look at and review.","start":467.15,"end":471.16998,"sentiment":"neutral","sentiment_score":0.2218075751474029}],"sentiment":"neutral","sentiment_score":0.07589258648680919,"channel":0,"num_words":33,"start":464.03,"end":471.16998},{"sentences":[{"text":"Yep.","start":472.07498,"end":472.57498,"sentiment":"neutral","sentiment_score":0.15583865344524384}],"sentiment":"neutral","sentiment_score":0.15583865344524384,"channel":1,"num_words":1,"start":472.07498,"end":472.57498},{"sentences":[{"text":"But in saying that, the it won't affect the advice piece in the sense that we're still gonna get you to retain the policy.","start":472.42502,"end":477.225,"sentiment":"neutral","sentiment_score":0.05560194629166896},{"text":"Obviously, giving your agent stage, you don't probably wanna go to underwriting again.","start":477.225,"end":480.585,"sentiment":"neutral","sentiment_score":-0.14002886049162883},{"text":"You may end up with other loadings and exclusions that you don't currently have on your your current policy there as well.","start":480.585,"end":486.72,"sentiment":"neutral","sentiment_score":-0.22021921182220633},{"text":"In addition to that one, I know you were sort of doing some budgeting and saving there in regards to you were gonna do a few renovations around the house and things like that, but we're happy budgeting that for yourself in addition to that","start":487.84,"end":499.04,"sentiment":"positive","sentiment_score":0.35238881674077777}],"sentiment":"neutral","sentiment_score":0.10121870786399366,"channel":0,"num_words":104,"start":472.42502,"end":499.04},{"sentences":[{"text":"Yep.","start":498.89502,"end":499.39502,"sentiment":"positive","sentiment_score":0.6955318450927734}],"sentiment":"positive","sentiment_score":0.6955318450927734,"channel":1,"num_words":1,"start":498.89502,"end":499.39502},{"sentences":[{"text":"one with the the money that you had come in.","start":499.04,"end":500.64,"sentiment":"positive","sentiment_score":0.7238600432872773},{"text":"So you're probably well and above sort of what you're able to do in terms of your upgrades there, so that's fine.","start":500.64,"end":506.255,"sentiment":"positive","sentiment_score":0.5532594065774571},{"text":"Same in regards to debt management and paying down your your debts to your primary residence there.","start":506.635,"end":511.135,"sentiment":"neutral","sentiment_score":0.16312122344970703},{"text":"We weren't touching on that one.","start":511.915,"end":513.435,"sentiment":"neutral","sentiment_score":0.06574729643762112},{"text":"We did mention a sort of money smart calculator having a play around in that.","start":513.435,"end":516.75,"sentiment":"neutral","sentiment_score":0.15069767038027446}],"sentiment":"positive","sentiment_score":0.35483310015073843,"channel":0,"num_words":70,"start":499.04,"end":516.75},{"sentences":[{"text":"If you did wanna sort of have a see what it might look like in the the amount you had left in paying that down to retirement, but as far as the 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and","start":539.545,"end":545.37,"sentiment":"neutral","sentiment_score":0.13712849328294396}],"sentiment":"neutral","sentiment_score":0.11859227635938188,"channel":0,"num_words":23,"start":537.865,"end":545.37},{"sentences":[{"text":"Yep.","start":545.26,"end":545.76,"sentiment":"neutral","sentiment_score":0.28606685996055603}],"sentiment":"neutral","sentiment_score":0.28606685996055603,"channel":1,"num_words":1,"start":545.26,"end":545.76},{"sentences":[{"text":"being able to pay repurchase something for your children.","start":545.37,"end":547.45,"sentiment":"neutral","sentiment_score":0.2598006890879737},{"text":"Obviously, we've got the the mortgage brokers we work with in conjunction and can provide sort of their details to be able to go through that and start that process if you did wanna start looking at maybe purchasing an investment property for the children, things like that as well.","start":547.45,"end":559.875,"sentiment":"neutral","sentiment_score":0.18533979423344135},{"text":"Now in regards to document, there is a limited advice warning.","start":567.875,"end":570.835,"sentiment":"neutral","sentiment_score":-0.10069517994468863},{"text":"So, basically, this document here is, basically pertaining to the the not only just the the superannuation but the estate planning side of things.","start":570.835,"end":577.94995,"sentiment":"neutral","sentiment_score":-0.0401010102359578},{"text":"Everything else, we're aware of.","start":578.08997,"end":579.44995,"sentiment":"neutral","sentiment_score":-0.04087221547961235}],"sentiment":"neutral","sentiment_score":0.0942501374849617,"channel":0,"num_words":99,"start":545.37,"end":579.44995},{"sentences":[{"text":"We're kind of accountability partners at the moment, but we're not currently making any recommendations on those, if that makes 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one.","start":628.905,"end":630.48,"sentiment":"negative","sentiment_score":-0.7545298933982849}],"sentiment":"negative","sentiment_score":-0.7763793269793192,"channel":1,"num_words":6,"start":628.025,"end":630.48},{"sentences":[{"text":"yep.","start":631.0,"end":631.5,"sentiment":"neutral","sentiment_score":-0.24004308879375455},{"text":"So within regards to that one, so obviously, COVID had its effects.","start":632.04,"end":636.43994,"sentiment":"neutral","sentiment_score":-0.15550726962586245},{"text":"And then from there, you're traveling quite nicely.","start":636.43994,"end":638.6,"sentiment":"neutral","sentiment_score":0.03168513346463442},{"text":"Then obviously, the tariff talk with Trump was a bit of a dip, and then it started to recover quite nicely.","start":638.6,"end":643.10504,"sentiment":"neutral","sentiment_score":-0.16090142939771926},{"text":"But then given what occurred with Ben Long and that underlying asset that was done for accounting and not reporting correctly, caused that","start":643.10504,"end":651.905,"sentiment":"neutral","sentiment_score":-0.20417710749999338}],"sentiment":"neutral","sentiment_score":-0.1527331191759843,"channel":0,"num_words":65,"start":631.0,"end":651.905},{"sentences":[{"text":"Yep.","start":651.70496,"end":652.20496,"sentiment":"neutral","sentiment_score":-0.3296154737472534}],"sentiment":"neutral","sentiment_score":-0.3296154737472534,"channel":1,"num_words":1,"start":651.70496,"end":652.20496},{"sentences":[{"text":"portfolio to basically take a little bit of a backwards turn this year.","start":651.905,"end":656.16504,"sentiment":"negative","sentiment_score":-0.3550283106473776},{"text":"Then saying that we're looking at adjusting that, changing that out so that moving forward, you don't have that sort of market volatility within 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classes.","start":664.3,"end":672.685,"sentiment":"neutral","sentiment_score":0.0560774277150631}],"sentiment":"neutral","sentiment_score":0.0560774277150631,"channel":0,"num_words":25,"start":664.3,"end":672.685},{"sentences":[{"text":"Yep.","start":673.915,"end":674.415,"sentiment":"neutral","sentiment_score":0.019527804106473923}],"sentiment":"neutral","sentiment_score":0.019527804106473923,"channel":1,"num_words":1,"start":673.915,"end":674.415},{"sentences":[{"text":"Now can you see the the email there with the documents there at all there, Brett?","start":675.145,"end":678.685,"sentiment":"neutral","sentiment_score":0.017224698793143034},{"text":"Yeah.","start":695.815,"end":696.135,"sentiment":"neutral","sentiment_score":-0.05364074930548668},{"text":"We have had issues with it being quite slow sometimes.","start":696.135,"end":698.875,"sentiment":"neutral","sentiment_score":-0.2860926903784275},{"text":"Not an issue.","start":699.41504,"end":700.215,"sentiment":"neutral","sentiment_score":-0.13510128110647202},{"text":"I can just run through it, and then you obviously have some time to look through it in your own time.","start":700.215,"end":704.395,"sentiment":"neutral","sentiment_score":-0.02511049381324223}],"sentiment":"neutral","sentiment_score":-0.0700313075646466,"channel":0,"num_words":51,"start":675.145,"end":704.395},{"sentences":[{"text":"It's","start":704.695,"end":704.85504,"sentiment":"neutral","sentiment_score":0.0657135397195816}],"sentiment":"neutral","sentiment_score":0.0657135397195816,"channel":0,"num_words":1,"start":704.695,"end":704.85504},{"sentences":[{"text":"Sure.","start":704.745,"end":705.245,"sentiment":"neutral","sentiment_score":0.095845527946949}],"sentiment":"neutral","sentiment_score":0.095845527946949,"channel":1,"num_words":1,"start":704.745,"end":705.245},{"sentences":[{"text":"valid to thirty days from when we sort of like the documents finalized.","start":704.85504,"end":708.94,"sentiment":"neutral","sentiment_score":0.10870071042042512},{"text":"So thirty days from the twenty third of the second there.","start":708.94,"end":711.58,"sentiment":"neutral","sentiment_score":0.12055232375860214},{"text":"And then from there, it's valid for another thirty as long as nothing sort of major has changed that affects the advice.","start":711.58,"end":716.4,"sentiment":"neutral","sentiment_score":0.08535009063780308},{"text":"And given that it's just an investment update, that should be fine.","start":716.54004,"end":719.36005,"sentiment":"neutral","sentiment_score":0.27265442286928493}],"sentiment":"neutral","sentiment_score":0.13601275629781442,"channel":0,"num_words":58,"start":704.85504,"end":719.36005},{"sentences":[{"text":"Yes.","start":719.77,"end":720.27,"sentiment":"neutral","sentiment_score":0.14591734111309052}],"sentiment":"neutral","sentiment_score":0.14591734111309052,"channel":1,"num_words":1,"start":719.77,"end":720.27},{"sentences":[{"text":"Page eight and nine, you'll see your details to just confirm that they are all correct.","start":720.685,"end":724.60504,"sentiment":"neutral","sentiment_score":0.17904061637818813},{"text":"We have updated the the liability on the the mortgage there as well.","start":724.60504,"end":728.54504,"sentiment":"neutral","sentiment_score":0.11673363412802036},{"text":"In addition to that one, you've got your credit card 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one.","start":741.25995,"end":741.81995,"sentiment":"neutral","sentiment_score":0.20001335442066193},{"text":"So just the $3,000 value.","start":741.81995,"end":744.07996,"sentiment":"neutral","sentiment_score":0.19739077091217042},{"text":"In addition to the net wealth there, you've obviously got the AIA policy that is attached to that and paid through the rollovers over that.","start":745.1,"end":751.16504,"sentiment":"neutral","sentiment_score":0.1345197758078575},{"text":"And with that one, it's for that 426,000 of life and around the 406 of total permanent disability.","start":751.22504,"end":757.805,"sentiment":"neutral","sentiment_score":0.08950915911959277},{"text":"Now as I said, I'll do up some more quotes for you there, request those, and then we can send those to you to have a look at and see what you might wanna do in terms of, like, costs and the cover you might need.","start":758.10504,"end":767.25,"sentiment":"neutral","sentiment_score":0.13575028830572314}],"sentiment":"neutral","sentiment_score":0.13201717978593,"channel":0,"num_words":97,"start":741.25995,"end":767.25},{"sentences":[{"text":"Yeah.","start":767.605,"end":767.845,"sentiment":"neutral","sentiment_score":0.1443653255701065},{"text":"Okay.","start":767.845,"end":768.345,"sentiment":"neutral","sentiment_score":0.16045081615447998}],"sentiment":"neutral","sentiment_score":0.15240807086229324,"channel":1,"num_words":2,"start":767.605,"end":768.345},{"sentences":[{"text":"In addition to that one, you are getting quite close, you know, to that age of 60 where you can access your super, so you might not need it in a few more years if that makes sense as well.","start":767.87,"end":776.53,"sentiment":"neutral","sentiment_score":0.16713635697960855}],"sentiment":"neutral","sentiment_score":0.16713635697960855,"channel":0,"num_words":40,"start":767.87,"end":776.53},{"sentences":[{"text":"Yep.","start":776.57996,"end":776.89996,"sentiment":"neutral","sentiment_score":0.1468167006969452},{"text":"Yep.","start":776.89996,"end":777.39996,"sentiment":"neutral","sentiment_score":0.1473601460456848}],"sentiment":"neutral","sentiment_score":0.147088423371315,"channel":1,"num_words":2,"start":776.57996,"end":777.39996},{"sentences":[{"text":"In the event that something did happen, you would potentially, as long as you're over the age of 60, made a conditional release to be able to access your super.","start":777.125,"end":784.105,"sentiment":"neutral","sentiment_score":0.08429658537109692},{"text":"Obviously,","start":784.325,"end":784.825,"sentiment":"neutral","sentiment_score":0.034978508949279785}],"sentiment":"neutral","sentiment_score":0.08270567968007057,"channel":0,"num_words":31,"start":777.125,"end":784.825},{"sentences":[{"text":"Yep.","start":784.74,"end":785.24,"sentiment":"neutral","sentiment_score":0.023799557238817215}],"sentiment":"neutral","sentiment_score":0.023799557238817215,"channel":1,"num_words":1,"start":784.74,"end":785.24},{"sentences":[{"text":"in regards to that, you don't wanna sort of be eating into your superannuation too much because that is your retirement money there as well.","start":784.885,"end":790.8,"sentiment":"neutral","sentiment_score":-0.14996774286031722},{"text":"And","start":791.27997,"end":791.51996,"sentiment":"neutral","sentiment_score":0.031028248369693756}],"sentiment":"neutral","sentiment_score":-0.1430063585822399,"channel":0,"num_words":26,"start":784.885,"end":791.51996},{"sentences":[{"text":"Yep.","start":791.415,"end":791.915,"sentiment":"neutral","sentiment_score":-0.002409550128504634}],"sentiment":"neutral","sentiment_score":-0.002409550128504634,"channel":1,"num_words":1,"start":791.415,"end":791.915},{"sentences":[{"text":"then you sort of just be relying on government assistance programs, things like that as well.","start":791.51996,"end":795.45996,"sentiment":"neutral","sentiment_score":0.03530642227269709},{"text":"But at least you've got that access there in a few years' time.","start":796.0,"end":801.22,"sentiment":"neutral","sentiment_score":0.09715513942333368},{"text":"Now in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment.","start":801.44,"end":809.79504,"sentiment":"neutral","sentiment_score":0.1874865023419261},{"text":"So with that, I know, you know, sooner, the better when it comes to retirement, but you're sort of still happy to work through to the age of 67 should you need to get to that sorta pension age there as well to assist in your retirement.","start":809.85504,"end":821.49,"sentiment":"neutral","sentiment_score":0.31222927792275207},{"text":"So with that one there, you still have plenty of time to maintain that level of exposure to growth assets.","start":822.03,"end":826.67,"sentiment":"neutral","sentiment_score":0.2734619012102485}],"sentiment":"neutral","sentiment_score":0.2205967475970586,"channel":0,"num_words":120,"start":791.51996,"end":826.67},{"sentences":[{"text":"And as I said, we're looking at removing the active portion anyway in regards to 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it lowers the investment cost quite significantly.","start":837.995,"end":843.21497,"sentiment":"neutral","sentiment_score":0.2613452355328359},{"text":"And then given that as well, it lowers that management risk, which can cause those fluctuations like what occurred in Benelong with the waiting that you did have in your portfolio.","start":843.65,"end":851.03,"sentiment":"neutral","sentiment_score":0.1818554946972478}],"sentiment":"neutral","sentiment_score":0.21206159621477128,"channel":0,"num_words":50,"start":837.995,"end":851.03},{"sentences":[{"text":"Yep.","start":851.945,"end":852.445,"sentiment":"neutral","sentiment_score":0.1897783875465393}],"sentiment":"neutral","sentiment_score":0.1897783875465393,"channel":1,"num_words":1,"start":851.945,"end":852.445},{"sentences":[{"text":"So moving forward, you obviously if the markets travel well with that, it's more indexed approach that will still continue to perform quite well and add a cheaper cost there as well.","start":853.25,"end":861.105,"sentiment":"positive","sentiment_score":0.4570814482867718},{"text":"One of the risks is is obviously if the markets do stagnate just a little bit then, so with your your your superannuation there as well in terms of the returns because it's not trying to outperform the market.","start":861.725,"end":870.76495,"sentiment":"neutral","sentiment_score":-0.22191710722370026},{"text":"You don't have those active managers.","start":870.76495,"end":872.22,"sentiment":"neutral","sentiment_score":-0.17172745863596597},{"text":"But in saying that that you just do what the market's doing, you don't have the risk of going, like, double double sided the wrong way, like, like, been along did there as well.","start":872.54,"end":881.6,"sentiment":"neutral","sentiment_score":-0.15648939263294726}],"sentiment":"neutral","sentiment_score":-0.0034159003412938334,"channel":0,"num_words":111,"start":853.25,"end":881.6},{"sentences":[{"text":"Yep.","start":881.565,"end":882.0,"sentiment":"neutral","sentiment_score":0.04080769419670105}],"sentiment":"neutral","sentiment_score":0.04080769419670105,"channel":1,"num_words":1,"start":881.565,"end":882.0},{"sentences":[{"text":"Now within regards to that maintaining, you obviously don't pay that capital gains or as much when it comes to switching the investment.","start":883.89996,"end":889.905,"sentiment":"neutral","sentiment_score":-0.04166347160935402},{"text":"There will be a slight capital gain given that over historically, you know, you have had quite good returns overall.","start":889.905,"end":896.805,"sentiment":"neutral","sentiment_score":0.1893738653510809},{"text":"So you will have to pay","start":896.865,"end":897.665,"sentiment":"neutral","sentiment_score":0.05498584359884262}],"sentiment":"neutral","sentiment_score":0.06447209227754146,"channel":0,"num_words":49,"start":883.89996,"end":897.665},{"sentences":[{"text":"Yeah.","start":897.60504,"end":898.10504,"sentiment":"neutral","sentiment_score":0.05497054010629654}],"sentiment":"neutral","sentiment_score":0.05497054010629654,"channel":1,"num_words":1,"start":897.60504,"end":898.10504},{"sentences":[{"text":"some capital gains on switching those investments.","start":897.665,"end":899.605,"sentiment":"neutral","sentiment_score":0.11371303988354546},{"text":"But with that, you'll still have a platform that's quite flexible to be able to do those transition retirement strategies later on and things like that as well and being able to choose the portfolios that we currently have.","start":900.7,"end":911.36,"sentiment":"neutral","sentiment_score":0.29652524338318753},{"text":"Do you have any questions in regards to the the platform or anything like that, Brett?","start":914.875,"end":918.575,"sentiment":"neutral","sentiment_score":0.07483476831112057}],"sentiment":"neutral","sentiment_score":0.2186747107114042,"channel":0,"num_words":62,"start":897.665,"end":918.575},{"sentences":[{"text":"No, ma'am.","start":918.78,"end":919.26,"sentiment":"neutral","sentiment_score":0.03495168685913086},{"text":"I'm all good.","start":919.26,"end":920.06,"sentiment":"neutral","sentiment_score":0.3308611313501994},{"text":"Gotcha.","start":920.06,"end":920.56,"sentiment":"neutral","sentiment_score":0.28086215257644653}],"sentiment":"neutral","sentiment_score":0.22389148672421774,"channel":1,"num_words":6,"start":918.78,"end":920.56},{"sentences":[{"text":"Perfect.","start":921.35504,"end":921.85504,"sentiment":"positive","sentiment_score":0.43813055753707886},{"text":"Now, obviously, you know, there's obviously risks in the sense that you are sort of buying and selling, so there's a cost associated with that one 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that, we did look at this sort of, you know, holding on to Bennelong, what that might look like, but there's not much confidence in them moving forward given the past few years of performance plus what occurred at the end of last year.","start":948.875,"end":959.22003,"sentiment":"neutral","sentiment_score":-0.15569245492418607},{"text":"And then","start":959.36005,"end":959.76,"sentiment":"neutral","sentiment_score":0.01790349930524826}],"sentiment":"neutral","sentiment_score":-0.14830539304208248,"channel":0,"num_words":47,"start":948.875,"end":959.76},{"sentences":[{"text":"Yep.","start":959.755,"end":960.255,"sentiment":"neutral","sentiment_score":0.0733882412314415}],"sentiment":"neutral","sentiment_score":0.0733882412314415,"channel":1,"num_words":1,"start":959.755,"end":960.255},{"sentences":[{"text":"with that, there's funds that we're recommending that a lower risk in terms of that investment 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sales.","start":984.86,"end":988.54,"sentiment":"neutral","sentiment_score":0.08162792752447881},{"text":"So with that, you will be switching from the bed along there will be a slight adjustment for the gold portion in that as well given that sounds so well.","start":988.54,"end":995.36,"sentiment":"neutral","sentiment_score":0.11926753297448159},{"text":"And then you'll be selling down of the Vanguard fixed interest.","start":995.9,"end":999.39496,"sentiment":"neutral","sentiment_score":0.05814997919581153},{"text":"And then also, there's a a Miski fund, which is sort of the investment outside of The US and more Europe 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actually a slightly higher allocation growth assets, and that's only due because we consider at the moment alternative growth assets to the gold being 10% to be a 100% growth at the moment, which means that it does bump up technically.","start":1037.2949,"end":1053.1499,"sentiment":"neutral","sentiment_score":0.15418817906403073},{"text":"But in saying that gold can be considered quite offensive in market turnarounds there as well.","start":1053.45,"end":1058.125,"sentiment":"neutral","sentiment_score":0.08228741073980927}],"sentiment":"neutral","sentiment_score":0.12099849946561765,"channel":0,"num_words":76,"start":1034.655,"end":1058.125},{"sentences":[{"text":"Yep.","start":1058.46,"end":1058.96,"sentiment":"neutral","sentiment_score":0.17685353755950928}],"sentiment":"neutral","sentiment_score":0.17685353755950928,"channel":1,"num_words":1,"start":1058.46,"end":1058.96},{"sentences":[{"text":"And if this is that one, you still have your bond and a few other portions of that 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sure.","start":1248.905,"end":1249.785,"sentiment":"neutral","sentiment_score":-0.14025883972644806},{"text":"But I know you've got Donna there as a 100% nonlapsing binding.","start":1249.785,"end":1253.165,"sentiment":"neutral","sentiment_score":0.07804194496323665},{"text":"So","start":1253.545,"end":1253.7051,"sentiment":"neutral","sentiment_score":0.05006228387355805}],"sentiment":"neutral","sentiment_score":-0.05111816969432243,"channel":0,"num_words":73,"start":1232.89,"end":1253.7051},{"sentences":[{"text":"Yep.","start":1253.62,"end":1254.12,"sentiment":"neutral","sentiment_score":-0.03020639531314373}],"sentiment":"neutral","sentiment_score":-0.03020639531314373,"channel":1,"num_words":1,"start":1253.62,"end":1254.12},{"sentences":[{"text":"we are just recommending you nominate your spouse against that AIA 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just had a look here on the on the January 9.","start":1737.855,"end":1740.915,"sentiment":"neutral","sentiment_score":-0.0009086350910365582},{"text":"There","start":1742.095,"end":1742.335,"sentiment":"neutral","sentiment_score":0.00614733062684536}],"sentiment":"neutral","sentiment_score":-0.0003658684973533337,"channel":1,"num_words":13,"start":1737.855,"end":1742.335},{"sentences":[{"text":"Yep.","start":1742.265,"end":1742.765,"sentiment":"neutral","sentiment_score":0.006214831955730915}],"sentiment":"neutral","sentiment_score":0.006214831955730915,"channel":0,"num_words":1,"start":1742.265,"end":1742.765},{"sentences":[{"text":"was a salary sacrifice contribution of 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salary sacrifice there was from","start":1765.59,"end":1768.1699,"sentiment":"neutral","sentiment_score":-0.07427072791116578}],"sentiment":"neutral","sentiment_score":-0.07427072791116578,"channel":0,"num_words":7,"start":1765.59,"end":1768.1699},{"sentences":[{"text":"But that's not Salisbury's Acropause.","start":1770.5549,"end":1772.075,"sentiment":"neutral","sentiment_score":-0.10630509108304978},{"text":"That's just right.","start":1772.075,"end":1774.315,"sentiment":"neutral","sentiment_score":-0.03814775000015894},{"text":"The Salisbury's Acropause contribution is not from Central High School.","start":1774.315,"end":1777.5349,"sentiment":"neutral","sentiment_score":-0.11720345467329026}],"sentiment":"neutral","sentiment_score":-0.10100018067492379,"channel":1,"num_words":18,"start":1770.5549,"end":1777.5349},{"sentences":[{"text":"sorry.","start":1780.8049,"end":1781.125,"sentiment":"neutral","sentiment_score":-0.14127400517463684},{"text":"I'm just having a quick look 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there?","start":1914.485,"end":1919.25,"sentiment":"neutral","sentiment_score":0.10335349735049974}],"sentiment":"neutral","sentiment_score":0.12667938430483142,"channel":0,"num_words":24,"start":1913.765,"end":1919.25},{"sentences":[{"text":"No.","start":1920.09,"end":1920.57,"sentiment":"neutral","sentiment_score":-0.0107332281768322},{"text":"No.","start":1920.57,"end":1920.81,"sentiment":"neutral","sentiment_score":0.014106914401054382},{"text":"It's all good.","start":1920.81,"end":1921.71,"sentiment":"neutral","sentiment_score":0.22275906801223755},{"text":"Just just just like say, like, in regards to say that Benelon managed 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mean?","start":1947.77,"end":1948.6699,"sentiment":"neutral","sentiment_score":-0.04385550245642662}],"sentiment":"neutral","sentiment_score":-0.003657168303818806,"channel":1,"num_words":46,"start":1931.535,"end":1948.6699},{"sentences":[{"text":"In terms of, like, us just making a change without informing","start":1948.86,"end":1952.0599,"sentiment":"neutral","sentiment_score":-0.024335394020784985}],"sentiment":"neutral","sentiment_score":-0.024335394020784985,"channel":0,"num_words":11,"start":1948.86,"end":1952.0599},{"sentences":[{"text":"Yeah.","start":1952.01,"end":1952.51,"sentiment":"neutral","sentiment_score":-0.001230515539646149}],"sentiment":"neutral","sentiment_score":-0.001230515539646149,"channel":1,"num_words":1,"start":1952.01,"end":1952.51},{"sentences":[{"text":"you sort of thing?","start":1952.0599,"end":1953.12,"sentiment":"neutral","sentiment_score":-0.011487999698147178}],"sentiment":"neutral","sentiment_score":-0.011487999698147178,"channel":0,"num_words":4,"start":1952.0599,"end":1953.12},{"sentences":[{"text":"Yeah.","start":1953.21,"end":1953.61,"sentiment":"neutral","sentiment_score":-0.003998376429080963},{"text":"Or just just because I I remember I did get an email once and said, look, one of your one of your one of your portfolios or one of the funds that you're in, we're gonna we're we're we're cutting it and we're gonna put it into something else.","start":1953.61,"end":1967.0851,"sentiment":"neutral","sentiment_score":-0.09297320292312272}],"sentiment":"neutral","sentiment_score":-0.09119370639324188,"channel":1,"num_words":50,"start":1953.21,"end":1967.0851},{"sentences":[{"text":"Yes.","start":1967.6749,"end":1967.995,"sentiment":"neutral","sentiment_score":-0.028204141184687614},{"text":"So,","start":1967.995,"end":1968.33,"sentiment":"neutral","sentiment_score":-0.059562671929597855}],"sentiment":"neutral","sentiment_score":-0.043883406557142735,"channel":0,"num_words":2,"start":1967.6749,"end":1968.33},{"sentences":[{"text":"Like","start":1968.185,"end":1968.685,"sentiment":"neutral","sentiment_score":-0.10222256183624268}],"sentiment":"neutral","sentiment_score":-0.10222256183624268,"channel":1,"num_words":1,"start":1968.185,"end":1968.685},{"sentences":[{"text":"obviously, it's like extenuating circumstance, I think.","start":1968.49,"end":1971.13,"sentiment":"neutral","sentiment_score":-0.11730456458670753},{"text":"So during COVID and a few other circumstances when it came to, like, those sort of events, the investment community has made, like, company wide decisions to, you know, just blanket to, like, a recorded advice for changing this due to these reasons.","start":1971.13,"end":1986.305,"sentiment":"neutral","sentiment_score":-0.13847620092159094}],"sentiment":"neutral","sentiment_score":-0.13551217183470726,"channel":0,"num_words":50,"start":1968.49,"end":1986.305},{"sentences":[{"text":"Yep.","start":1986.8401,"end":1987.3401,"sentiment":"neutral","sentiment_score":-0.03620343282818794}],"sentiment":"neutral","sentiment_score":-0.03620343282818794,"channel":1,"num_words":1,"start":1986.8401,"end":1987.3401},{"sentences":[{"text":"Obviously, in regards to Bennelong, it was something that it wasn't sort of foreseen.","start":1987.245,"end":1992.625,"sentiment":"neutral","sentiment_score":-0.17807030145611083},{"text":"Like, with the global pandemic, you could see it, like, sort of coming with what was occurring.","start":1992.765,"end":1997.1799,"sentiment":"neutral","sentiment_score":-0.2735513027976541},{"text":"In terms of the Benelung, the reason that caused it to dip so so you can fill in so quickly was largely due to the corporate traveler investment that got done for not reporting correctly.","start":1997.64,"end":2006.76,"sentiment":"negative","sentiment_score":-0.40457450832639424},{"text":"And the only way","start":2006.76,"end":2007.3999,"sentiment":"neutral","sentiment_score":-0.27461127191782}],"sentiment":"neutral","sentiment_score":-0.320027274957725,"channel":0,"num_words":70,"start":1987.245,"end":2007.3999},{"sentences":[{"text":"Yep.","start":2007.37,"end":2007.87,"sentiment":"neutral","sentiment_score":-0.21034501492977145}],"sentiment":"neutral","sentiment_score":-0.21034501492977145,"channel":1,"num_words":1,"start":2007.37,"end":2007.87},{"sentences":[{"text":"you sort of would have known about that was if you yeah.","start":2007.3999,"end":2012.105,"sentiment":"neutral","sentiment_score":-0.19207187431554}],"sentiment":"neutral","sentiment_score":-0.19207187431554,"channel":0,"num_words":12,"start":2007.3999,"end":2012.105},{"sentences":[{"text":"Invest","start":2012.01,"end":2012.17,"sentiment":"neutral","sentiment_score":-0.05334458500146866}],"sentiment":"neutral","sentiment_score":-0.05334458500146866,"channel":1,"num_words":1,"start":2012.01,"end":2012.17},{"sentences":[{"text":"What","start":2012.105,"end":2012.605,"sentiment":"neutral","sentiment_score":-0.06661821901798248}],"sentiment":"neutral","sentiment_score":-0.06661821901798248,"channel":0,"num_words":1,"start":2012.105,"end":2012.605},{"sentences":[{"text":"in money or something.","start":2012.17,"end":2013.23,"sentiment":"neutral","sentiment_score":-0.13215959072113037}],"sentiment":"neutral","sentiment_score":-0.13215959072113037,"channel":1,"num_words":4,"start":2012.17,"end":2013.23},{"sentences":[{"text":"yeah.","start":2014.505,"end":2014.745,"sentiment":"neutral","sentiment_score":-0.17437036335468292},{"text":"If you had a little bit of insider knowledge in regards to that, because after that was announced, it dipped really quite significantly.","start":2014.745,"end":2020.6849,"sentiment":"negative","sentiment_score":-0.3452717635942542}],"sentiment":"negative","sentiment_score":-0.3381508719176054,"channel":0,"num_words":24,"start":2014.505,"end":2020.6849},{"sentences":[{"text":"Yeah.","start":2021.515,"end":2021.675,"sentiment":"neutral","sentiment_score":-0.20768016576766968}],"sentiment":"neutral","sentiment_score":-0.20768016576766968,"channel":1,"num_words":1,"start":2021.515,"end":2021.675},{"sentences":[{"text":"And","start":2021.625,"end":2021.865,"sentiment":"neutral","sentiment_score":-0.18503877520561215}],"sentiment":"neutral","sentiment_score":-0.18503877520561215,"channel":0,"num_words":1,"start":2021.625,"end":2021.865},{"sentences":[{"text":"Right.","start":2021.675,"end":2022.175,"sentiment":"neutral","sentiment_score":-0.20409661531448364}],"sentiment":"neutral","sentiment_score":-0.20409661531448364,"channel":1,"num_words":1,"start":2021.675,"end":2022.175},{"sentences":[{"text":"then throughout the sort of back December, it's just basically gone, you know, your ups and your downs, your ups and your downs.","start":2021.865,"end":2028.98,"sentiment":"neutral","sentiment_score":-0.3104363174542137},{"text":"It doesn't really go on anywhere.","start":2028.98,"end":2030.36,"sentiment":"negative","sentiment_score":-0.3923685948053996},{"text":"It's remained","start":2030.5,"end":2031.14,"sentiment":"negative","sentiment_score":-0.37282873690128326}],"sentiment":"neutral","sentiment_score":-0.3303194949703832,"channel":0,"num_words":31,"start":2021.865,"end":2031.14},{"sentences":[{"text":"Yep.","start":2030.9551,"end":2031.4551,"sentiment":"negative","sentiment_score":-0.43885383009910583}],"sentiment":"negative","sentiment_score":-0.43885383009910583,"channel":1,"num_words":1,"start":2030.9551,"end":2031.4551},{"sentences":[{"text":"quite stagnant.","start":2031.14,"end":2031.86,"sentiment":"negative","sentiment_score":-0.5746321976184845},{"text":"Even year to date, I think it's only it went up to, like, 4% back, and now it's only sort of sitting at point 2% back for the year.","start":2031.86,"end":2040.075,"sentiment":"negative","sentiment_score":-0.4337562620639801},{"text":"So, yeah, unless you sort of knew prior to, you know, the November there that that was gonna occur, you really hadn't sort of no knowledge that it was gonna dip that significantly and that quickly because it was, like, 20% over the course of, like, a","start":2040.615,"end":2054.45,"sentiment":"negative","sentiment_score":-0.45111127926948225}],"sentiment":"negative","sentiment_score":-0.44782597590715456,"channel":0,"num_words":78,"start":2031.14,"end":2054.45},{"sentences":[{"text":"Yeah.","start":2055.135,"end":2055.4548,"sentiment":"neutral","sentiment_score":-0.10196765512228012},{"text":"Yeah.","start":2055.4548,"end":2055.535,"sentiment":"neutral","sentiment_score":-0.09494295716285706},{"text":"Right.","start":2055.535,"end":2056.015,"sentiment":"neutral","sentiment_score":-0.08567021042108536}],"sentiment":"neutral","sentiment_score":-0.09419360756874084,"channel":1,"num_words":3,"start":2055.135,"end":2056.015},{"sentences":[{"text":"month.","start":2055.67,"end":2056.17,"sentiment":"neutral","sentiment_score":-0.09058791399002077}],"sentiment":"neutral","sentiment_score":-0.09058791399002077,"channel":0,"num_words":1,"start":2055.67,"end":2056.17},{"sentences":[{"text":"Okay.","start":2056.015,"end":2056.515,"sentiment":"neutral","sentiment_score":-0.07723404467105865}],"sentiment":"neutral","sentiment_score":-0.07723404467105865,"channel":1,"num_words":1,"start":2056.015,"end":2056.515},{"sentences":[{"text":"So quite a significant dip.","start":2057.39,"end":2059.73,"sentiment":"neutral","sentiment_score":-0.2588311433792114},{"text":"The other one that crashed more, I think, was your cryptocurrencies if you ever doubled in those as well.","start":2060.27,"end":2064.8499,"sentiment":"neutral","sentiment_score":-0.24967422218699203}],"sentiment":"neutral","sentiment_score":-0.25158191410203773,"channel":0,"num_words":24,"start":2057.39,"end":2064.8499},{"sentences":[{"text":"Yeah.","start":2065.32,"end":2065.82,"sentiment":"neutral","sentiment_score":-0.003015529364347458}],"sentiment":"neutral","sentiment_score":-0.003015529364347458,"channel":1,"num_words":1,"start":2065.32,"end":2065.82},{"sentences":[{"text":"But, yes, as it like, as they've done a review of that, they have decided as an investment key to move away from Benelung, which is part of, like, the update there as well.","start":2067.645,"end":2075.665,"sentiment":"neutral","sentiment_score":-0.00465321058736128}],"sentiment":"neutral","sentiment_score":-0.00465321058736128,"channel":0,"num_words":34,"start":2067.645,"end":2075.665},{"sentences":[{"text":"Yep.","start":2076.095,"end":2076.595,"sentiment":"neutral","sentiment_score":0.14282207190990448}],"sentiment":"neutral","sentiment_score":0.14282207190990448,"channel":1,"num_words":1,"start":2076.095,"end":2076.595},{"sentences":[{"text":"No problem.","start":2078.54,"end":2079.28,"sentiment":"neutral","sentiment_score":0.283978208899498},{"text":"Do you have any questions in regards to that one there, Brett?","start":2079.34,"end":2082.08,"sentiment":"neutral","sentiment_score":0.1604554814596971}],"sentiment":"neutral","sentiment_score":0.17810158537966864,"channel":0,"num_words":14,"start":2078.54,"end":2082.08},{"sentences":[{"text":"All good.","start":2081.935,"end":2082.595,"sentiment":"positive","sentiment_score":0.6215707361698151},{"text":"All good.","start":2082.975,"end":2083.715,"sentiment":"positive","sentiment_score":0.575994461774826}],"sentiment":"positive","sentiment_score":0.5987825989723206,"channel":1,"num_words":4,"start":2081.935,"end":2083.715},{"sentences":[{"text":"Too easy.","start":2084.22,"end":2084.88,"sentiment":"neutral","sentiment_score":0.29839275777339935},{"text":"Obviously, yeah, have a read through document, come back with any questions.","start":2085.18,"end":2087.9,"sentiment":"neutral","sentiment_score":0.1635775864124298},{"text":"I'll get those quotes done up.","start":2087.9,"end":2089.68,"sentiment":"neutral","sentiment_score":0.25214888403813046},{"text":"Maybe I'll get them this afternoon or maybe sometime tomorrow, and I'll just shoot you an email with those","start":2089.82,"end":2094.4548,"sentiment":"neutral","sentiment_score":0.20128528969852547}],"sentiment":"neutral","sentiment_score":0.20248795797427496,"channel":0,"num_words":39,"start":2084.22,"end":2094.4548},{"sentences":[{"text":"Yep.","start":2094.2898,"end":2094.7898,"sentiment":"neutral","sentiment_score":0.073666512966156}],"sentiment":"neutral","sentiment_score":0.073666512966156,"channel":1,"num_words":1,"start":2094.2898,"end":2094.7898},{"sentences":[{"text":"different amounts there as well.","start":2094.4548,"end":2096.075,"sentiment":"neutral","sentiment_score":0.11056953966617585}],"sentiment":"neutral","sentiment_score":0.11056953966617585,"channel":0,"num_words":5,"start":2094.4548,"end":2096.075},{"sentences":[{"text":"Sure.","start":2096.3699,"end":2096.8699,"sentiment":"neutral","sentiment_score":0.3316628336906433}],"sentiment":"neutral","sentiment_score":0.3316628336906433,"channel":1,"num_words":1,"start":2096.3699,"end":2096.8699},{"sentences":[{"text":"Too easy.","start":2097.887,"end":2098.607,"sentiment":"positive","sentiment_score":0.4392167031764984},{"text":"Well, you enjoy the rest of your day at work there, Brett.","start":2098.607,"end":2100.447,"sentiment":"positive","sentiment_score":0.7711119850476583},{"text":"Thanks for your time, and I'm sure we'll speak soon.","start":2100.447,"end":2102.627,"sentiment":"positive","sentiment_score":0.7536287546157837},{"text":"Cheers.","start":2105.0068,"end":2105.2468,"sentiment":"positive","sentiment_score":0.681985080242157},{"text":"Thanks, mate.","start":2105.2468,"end":2105.807,"sentiment":"positive","sentiment_score":0.7381880581378937}],"sentiment":"positive","sentiment_score":0.7343120729481732,"channel":0,"num_words":27,"start":2097.887,"end":2105.807},{"sentences":[{"text":"Bye.","start":2105.807,"end":2106.307,"sentiment":"neutral","sentiment_score":-0.1038135066628456}],"sentiment":"neutral","sentiment_score":-0.1038135066628456,"channel":0,"num_words":1,"start":2105.807,"end":2106.307}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial discuss insurance and a reduction in insurance, as well as updating an insurance policy and a financial services guide. They emphasize the importance of staying in the insurance policy and recommend not making any changes to it. The speakers also discuss the benefits of switching from fixed interest to Vanguard all world strategy and the risk of buying and selling into new assets. They provide projections for growth and discuss the importance of a stable and safe investment environment for the next few years. The speakers also provide advice on contributions and salary sacrificing, as well as information on the process and fees associated with the insurance policy."},"intents":{"segments":[{"text":"I had do you schedule in for that presentation this afternoon?","start_word":30,"end_word":40,"intents":[{"intent":"Schedule presentation","confidence_score":0.66495657}]},{"text":"Just to get started on that one, Brett, if I could just pass you through security, just that name, date of Yep. birth, and current address, we'll get started on that one. Sure.","start_word":54,"end_word":86,"intents":[{"intent":"Pass security information","confidence_score":0.40008944}]},{"text":"But this is just basically saying to maintain your current level insurances. But following this conversation, I can send you out, like I did last time, the quotes of the reduction sort of amounts and what that looks like again for Yep. you to have a review of if you'd like.","start_word":224,"end_word":274,"intents":[{"intent":"Review insurance quotes","confidence_score":0.036428843}]},{"text":"Again, I could sort of look at doing it just a couple quotes up again for you and just send them off and see what that looks like. I know we did previously.","start_word":396,"end_word":428,"intents":[{"intent":"Consider options for quotes","confidence_score":0.0019813662}]},{"text":"One of the other things that I do need there, Brett, is just an updated ID.","start_word":499,"end_word":514,"intents":[{"intent":"Request and update id","confidence_score":0.0343688}]},{"text":"Yep.","start_word":811,"end_word":811,"intents":[{"intent":"Update document","confidence_score":0.009976795}]},{"text":"it is just playing up, so bear with me while I just create that document again just to send out. Sorry.","start_word":919,"end_word":939,"intents":[{"intent":"Create new document","confidence_score":0.00012627325},{"intent":"Provide assistance","confidence_score":0.058026824}]},{"text":"Now the today there, Brett, how much time do you have to run through this document? Because I can run through it quite quickly. It is quite a a simple statement there.","start_word":993,"end_word":1024,"intents":[{"intent":"Run through document","confidence_score":0.30756915}]},{"text":"So it was obviously finalized on the February 23.","start_word":1179,"end_word":1187,"intents":[{"intent":"Finalize decision","confidence_score":0.0010179161}]},{"text":"In addition to that one, I know you were sort of doing some budgeting and saving there in regards to you were gonna do a few renovations around the house and things like that, but we're happy budgeting that for yourself in addition to that Yep. one with the the money that you had come in.","start_word":1367,"end_word":1422,"intents":[{"intent":"Budget","confidence_score":0.082201205}]},{"text":"So you're probably well and above sort of what you're able to do in terms of your upgrades there, so that's fine.","start_word":1422,"end_word":1443,"intents":[{"intent":"Upgrades","confidence_score":0.003895291}]},{"text":"In relation to investments, I know potentially as well, you were expecting a potential inheritance to come through at some point and maybe Yep. doing something with that money as well.","start_word":1525,"end_word":1555,"intents":[{"intent":"Discuss investment","confidence_score":0.0038960187}]},{"text":"Now in regards to document, there is a limited advice warning. So, basically, this document here is, basically pertaining to the the not only just the the superannuation but the estate planning side of things.","start_word":1632,"end_word":1666,"intents":[{"intent":"Discuss estate planning","confidence_score":0.2063643}]},{"text":"In addition to that one, we did compare a few market alternatives. There were some out there that was slightly cheaper. There were some out there that had some other benefits.","start_word":1719,"end_word":1749,"intents":[{"intent":"Discuss alternatives","confidence_score":0.0012066821},{"intent":"Compare alternatives","confidence_score":0.4075132}]},{"text":"So we're just recommending you retain that fund.","start_word":1800,"end_word":1807,"intents":[{"intent":"Recommend retaining fund","confidence_score":0.21454173}]},{"text":"So we did compare Yep. a few of those alternatives.","start_word":1808,"end_word":1817,"intents":[{"intent":"Compare yep alternatives and covid impact","confidence_score":0.02347624}]},{"text":"So you were quite heavily invested in the the Bennelong, that actively managed fund.","start_word":1828,"end_word":1841,"intents":[{"intent":"Adjust investment","confidence_score":0.0000017309103},{"intent":"Inquire about portfolio growth and investment status","confidence_score":9.2688715e-8}]},{"text":"And given that it's just an investment update, that should be fine.","start_word":2080,"end_word":2091,"intents":[{"intent":"Confirm investment update","confidence_score":0.051214885}]},{"text":"Now as I said, I'll do up some more quotes for you there, request those, and then we can send those to you to have a look at and see what you might wanna do in terms of, like, costs and the cover you might need. Yeah.","start_word":2225,"end_word":2271,"intents":[{"intent":"Request quotes and provide coverage","confidence_score":0.0009132819}]},{"text":"In addition to that one, you are getting quite close, you know, to that age of 60 where you can access your super, so you might not need it in a few more years if that makes sense as well.","start_word":2273,"end_word":2312,"intents":[{"intent":"Access super super","confidence_score":0.42838487}]},{"text":"Now in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment.","start_word":2403,"end_word":2426,"intents":[{"intent":"Recommend growth investment","confidence_score":0.013568305}]},{"text":"Now in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment. So with that, I know, you know, sooner, the better when it comes to retirement, but you're sort of still happy to work through to the age of 67 should you need to get to that sorta pension age there as well to assist in your retirement.","start_word":2403,"end_word":2473,"intents":[{"intent":"Assist in retirement","confidence_score":0.019254943}]},{"text":"So with that one there, you still have plenty of time to maintain that level of exposure to growth assets.","start_word":2474,"end_word":2493,"intents":[{"intent":"Maintain exposure to growth assets","confidence_score":0.04154162}]},{"text":"So moving forward, you obviously if the markets travel well with that, it's more indexed approach that will still continue to perform quite well and add a cheaper cost there as well.","start_word":2588,"end_word":2619,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.010419984}]},{"text":"But with that, it is sort of not the majority of your port portfolio. It makes up for given that that little bit of a loss with Benelon recently to be that you'll be buying into some new assets while the rest of it still remains invested that has been performing well. And Yep.","start_word":2866,"end_word":2919,"intents":[{"intent":"Monitor portfolio performance","confidence_score":0.0026381686}]},{"text":"diversifies your portfolio a little bit more as well as your key holdings, the amount going into those.","start_word":3391,"end_word":3408,"intents":[{"intent":"Discuss portfolio diversification","confidence_score":0.004589321}]},{"text":"There are a few, like, percent projections there as well that show you what that might look like as a a difference in how that might be performing if everything was to replicate itself year on year. But, obviously, Yes.","start_word":3619,"end_word":3658,"intents":[{"intent":"Analyze market performance","confidence_score":0.13975891}]},{"text":"we are just recommending you nominate your spouse against that AIA policy.","start_word":3964,"end_word":3975,"intents":[{"intent":"Nominate spouse against aia policy","confidence_score":0.22018227}]},{"text":"In addition to that one, obviously, spouses, a 100% of the time, will get the benefit tax free. Now Yep.","start_word":3976,"end_word":3995,"intents":[{"intent":"Recommend spouses stay tax free","confidence_score":0.0000022855966}]},{"text":"Again, much like before, and I know you just haven't looked at your will for a while, so we do recommend that you go, you Yeah.","start_word":4179,"end_word":4204,"intents":[{"intent":"Discuss will and will","confidence_score":0.19657944}]},{"text":"that was the recommendation there as well. It's just to review that. We'll make sure it is all up to date, especially, you know, given that things have quite changed in terms of, like, bit of money coming in there. Same if if you were to get an inheritance as well and be completely debt free. And if you were to know, purchase investment properties, things like that, all those make quite Yes.","start_word":4231,"end_word":4303,"intents":[{"intent":"Review and review recommendations","confidence_score":0.0025577038}]},{"text":"We'll make sure it is all up to date, especially, you know, given that things have quite changed in terms of, like, bit of money coming in there. Same if if you were to get an inheritance as well and be completely debt free. And if you were to know, purchase investment properties, things like that, all those make quite Yes.","start_word":4243,"end_word":4303,"intents":[{"intent":"Discuss will change","confidence_score":0.012344845}]},{"text":"As far as the adviser fee, they are looking at, you know, changing the fee structure eventually.","start_word":4362,"end_word":4378,"intents":[{"intent":"Update fee structure","confidence_score":0.06953263}]},{"text":"We just get a commission from AIA, and we have to disclose that just based on the fact that we're getting remuneration from it for maintaining that policy, if that makes sense. Yep.","start_word":4468,"end_word":4500,"intents":[{"intent":"Disclose commission","confidence_score":0.06569218}]},{"text":"If you were to sign the document, you're happy with the investment update, we do that all on the back end there for you.","start_word":4526,"end_word":4549,"intents":[{"intent":"Provide investment update","confidence_score":0.118092865}]},{"text":"If you were to sign the document, you're happy with the investment update, we do that all on the back end there for you. Obviously, you know, it is quite a straightforward document there. There's a few things that we did touch on, but we didn't provide advice on at this point. Yep.","start_word":4526,"end_word":4578,"intents":[{"intent":"Ensure compliance with document","confidence_score":0.0011099267}]},{"text":"So in addition to that, if you were to sign, we do that change in the back end. It wouldn't change anything else there for you, and then we can send you a copy of those beneficiary forms there as well for the Okay. AIA policy.","start_word":4657,"end_word":4702,"intents":[{"intent":"Send beneficiary forms","confidence_score":0.4968496}]},{"text":"like that just like to be mailed to you or emailed?","start_word":4706,"end_word":4716,"intents":[{"intent":"Send documents","confidence_score":0.0013706972}]},{"text":"I I'll just bring up contributions again. I'll see that the last one was compared to this one.","start_word":5065,"end_word":5082,"intents":[{"intent":"Compare contributions","confidence_score":0.5652897}]},{"text":"Unless they're paying you, like, that's your salary that you fully salary sacrifice in, and then you've got the 288 there as well that's, like, on top of the the 2,400 that you earn.","start_word":5448,"end_word":5481,"intents":[{"intent":"Inquire about salary compensation","confidence_score":0.000007685292}]},{"text":"Or just just because I I remember I did get an email once and said, look, one of your one of your one of your portfolios or one of the funds that you're in, we're gonna we're we're we're cutting it and we're gonna put it into something else. Yes.","start_word":5763,"end_word":5812,"intents":[{"intent":"Analyze portfolio changes","confidence_score":0.025391273}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05911204218864441},{"text":"Good afternoon, Brett.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3719122111797333},{"text":"It's Carl calling from OQ Financial. How are you, sir? Not too bad, mate.","start_word":4,"end_word":17,"sentiment":"neutral","sentiment_score":0.2857041358947754},{"text":"There you go.","start_word":18,"end_word":20,"sentiment":"positive","sentiment_score":0.33493494987487793},{"text":"Yeah.","start_word":21,"end_word":21,"sentiment":"neutral","sentiment_score":0.2818799614906311},{"text":"Not too bad at all. Thanks for asking.","start_word":22,"end_word":29,"sentiment":"positive","sentiment_score":0.4769743382930755},{"text":"I had do you schedule in for that presentation this afternoon? Is now still a good time for you?","start_word":30,"end_word":48,"sentiment":"neutral","sentiment_score":0.27234962582588196},{"text":"Go for it, mate. Great. Just to get started on that one, Brett, if I could just pass you through security, just that name, date of Yep.","start_word":49,"end_word":75,"sentiment":"positive","sentiment_score":0.4155066907405853},{"text":"birth, and current address, we'll get started on that one. Sure. It's, 6 Pounder Air Close. New South Wales 2261. And my date of birth is the 02/31/0968. Right.","start_word":76,"end_word":104,"sentiment":"neutral","sentiment_score":0.14496245980262756},{"text":"Thanks for that on there, Brett.","start_word":105,"end_word":110,"sentiment":"positive","sentiment_score":0.4244458079338074},{"text":"Now as I said, apologies for sort of how long this is taking to put together. I know we were talking about those insurance recently. You did raise again sort of the cost of those and maybe wanting to revisit that again. Yep. Definitely. Yeah. So with this one here, because of the previous conversation by the end of last year, obviously, there's a few business changes, I think I mentioned, that were going on towards the end of last year. So it took a while just to sort of change sort of the CRMs and where they were operating there. So it took a while to get these documents sorted out. Yep. But this is just basically saying to maintain your current level insurances. But following this conversation, I can send you out, like I did last time, the quotes of the reduction sort of amounts and what that looks like again for Yep. you to have a review of if you'd like. Sure. I don't know, but if you got the notes from when I made the appointment, but my amount that I made insured would is needs to drop because our our mortgage my my wife and my wife and my daughter, we got a pretty big payout, and we put Yep. it straight on the mortgage. Yeah. I did see that that came down quite quite a whack there So from what yes. it was previously. So yeah. So with that one because I remember we did the the quotes originally reducing down to, like, 400 and then down to, like, sort of as per needs, like a debt and a little bit of income replacement, Yes. things like that. Yep. Again, I could sort of look at doing it just a couple quotes up again for you and just send them off and see what that looks like. I know we did previously. You just want to keep it as Yep. is back then. But, Yep. obviously, that changes things a little bit. But with Yeah. Okay. that one there, I can do one for sort of, like, a a $2.50 amount and then Yep. sort of a couple other ones around that just to show you what it looks like for that life Yep. and TPD. Yeah.","start_word":111,"end_word":493,"sentiment":"neutral","sentiment_score":-0.03696590961582044},{"text":"That's fine. That's fine. Perfect.","start_word":494,"end_word":498,"sentiment":"positive","sentiment_score":0.4986051917076111},{"text":"One of the other things that I do need there, Brett, is just an updated ID. So before we implement any of the advice anyway, so even if you said happy days this advice or not, we can still go ahead with the insurance reduction anyway depending Yep. on whether or not you you like the the update that we're recommending or not because it is a product that you Yep. currently hold. We're recommending that in the advice piece today that you maintain that anyway. So a simple change of that one's just like a a record of advice where we'll just make a note that we had a discussion. Obviously, you know, the risks around being underinsured, you know, time left Yep. if you were to be injured and unable to work, those sort of things. You don't have long until you can access your superannuation anyway, even, like, as a conditional release, partially at the age of 60. So Yep. that's something you've got on your side there as well. But I will send you an email just requesting your ID. So to update that, we need to be able to have a a valid ID on file, which has expired, unfortunately. Yep. So I'll just send that to brett scrying oh, sorry. Scrying68@gmail.com. And Yep. if you Perfect. could just reply from back, which is like a an ID, so whether that's a passport or driver's license, we'll get that Yep. verified and update. So I'll send that through now. In addition to that one, I will be sending through this Odusign, a bit different to the DocuSigns you've used previously. But with this one, I'll have some email attachments. You'll have the statement in via the appendix. You'll also have financial services guide, an OQ services guide, the updated copies of that one with those business changes. Yep.","start_word":499,"end_word":811,"sentiment":"neutral","sentiment_score":0.0873084528663288},{"text":"They have updated everything.","start_word":812,"end_word":815,"sentiment":"positive","sentiment_score":0.40208742022514343},{"text":"And then also Yep. there's the PDF fee at your superannuation there as well. And there are a couple signable documents there. So Okay. that's just being a bit painful there. So with that one there, the signable documents will have your ongoing service agreement. And then also in addition to the ongoing service agreement, you will have that statement in advice if you were happy with everything. So if you're obviously on for the next twelve months, that'll be the document that allows you to do so, plus the recommendation we're making in relation to the superannuation side of things. Now Yep. it is just playing up, so bear with me while I just create that document again just to send out. Sorry. I had it set up to send out, but it just came out with an error message. I'll just have to create it again quickly. Sorry for going quiet there. It just takes a second to put all the attachments back into the email.","start_word":816,"end_word":983,"sentiment":"neutral","sentiment_score":0.017361849546432495},{"text":"Perfect. So you should have that one there shortly.","start_word":984,"end_word":992,"sentiment":"positive","sentiment_score":0.5496264696121216},{"text":"Now the today there, Brett, how much time do you have to run through this document? Because I can run through it quite quickly. It is quite a a simple statement there. And then you can have some time to go through it this afternoon, have a little look at that one if you like, or I can go a little bit in-depth depending on how much time you've got on your hands. Yep. Oh, mate. I'm just I'm yeah. I'm still at work. I'm just but I'm I'm alright.","start_word":993,"end_word":1082,"sentiment":"neutral","sentiment_score":0.10111630045705372},{"text":"I'm I'm fine, mate. You can do it anyway.","start_word":1083,"end_word":1091,"sentiment":"positive","sentiment_score":0.4133757948875427},{"text":"I'm fine. Yeah. Not a Either problem. way. Either So way. Either way. as I said, it's quite a straightforward statement of advice piece there today. Anyway, so it shouldn't take too long to get through there. But has that email shown up in your inbox there yet? And the one about the ID Yeah. There should be a separate one there. It may just take a second to come through there. While that's coming through, I'll just start explaining what the document is there today there. So it was obviously finalized on the February 23. When you see those prepared for yourself by myself, Kyle, and that's my authorized representative number. I know OPU's financial services license and in addition to the the team that put this all together. So I just put it together in your best interest, Judy.","start_word":1092,"end_word":1232,"sentiment":"neutral","sentiment_score":0.1583377569913864},{"text":"If we can't put you in a better position, we don't recommend it, which is what that is.","start_word":1233,"end_word":1250,"sentiment":"negative","sentiment_score":-0.7151660323143005},{"text":"And then in regards to the scope of the advice, we basically just settled on the superannuation estate planning side of things. Obviously, things have come up with the insurance as well that may need addressing. I'll send you off those quotes again for you to be able to have a look at and review. Yep. But in saying that, the it won't affect the advice piece in the sense that we're still gonna get you to retain the policy. Obviously, giving your agent stage, you don't probably wanna go to underwriting again. You may end up with other loadings and exclusions that you don't currently have on your your current policy there as well.","start_word":1251,"end_word":1365,"sentiment":"neutral","sentiment_score":-0.03355851396918297},{"text":"In addition to that one, I know you were sort of doing some budgeting and saving there in regards to you were gonna do a few renovations around the house and things like that, but we're happy budgeting that for yourself in addition to that Yep. one with the the money that you had come in. So you're probably well and above sort of what you're able to do in terms of your upgrades there, so that's fine.","start_word":1366,"end_word":1443,"sentiment":"positive","sentiment_score":0.4759562611579895},{"text":"Same in regards to debt management and paying down your your debts to your primary residence there. We weren't touching on that one. We did mention a sort of money smart calculator having a play around in that. If you did wanna sort of have a see what it might look like in the the amount you had left in paying that down to retirement, but as far as the advice and our recommendation, we didn't touch on that as well. In relation to investments, I know potentially as well, you were expecting a potential inheritance to come through at some point and maybe Yep. doing something with that money as well. But at this point, that's scoped out in addition to, obviously, property there as well and Yep. being able to pay repurchase something for your children. Obviously, we've got the the mortgage brokers we work with in conjunction and can provide sort of their details to be able to go through that and start that process if you did wanna start looking at maybe purchasing an investment property for the children, things like that as well. Now in regards to document, there is a limited advice warning. So, basically, this document here is, basically pertaining to the the not only just the the superannuation but the estate planning side of things. Everything else, we're aware of. We're kind of accountability partners at the moment, but we're not currently making any recommendations on those, if that makes sense.","start_word":1444,"end_word":1692,"sentiment":"neutral","sentiment_score":0.07817891240119934},{"text":"Perfect.","start_word":1693,"end_word":1693,"sentiment":"positive","sentiment_score":0.5105041265487671},{"text":"Now it is quite simple in the sense that we are recommending you attain not only insurances, but that NetWell superannuation Yep. there as well. In addition to that one, we did compare a few market alternatives. There were some out there that was slightly cheaper. There were some out there that had some other benefits. But given the time you've been in Netwealth, the capital gains that would apply if you left Netwealth, in addition to the services and how they are as a product in the market, they're still quite competitive in terms of, like, the features they offer and the cost you pay. So we're just recommending you retain that fund. So we did compare Yep. a few of those alternatives. And then we're just looking at changing those underlying investments. So you were quite heavily invested in the the Bennelong, that actively managed fund.","start_word":1694,"end_word":1841,"sentiment":"neutral","sentiment_score":0.18815067370195648},{"text":"That's From that's terrible. Terrible performer, that one.","start_word":1842,"end_word":1849,"sentiment":"negative","sentiment_score":-0.666194498538971},{"text":"yep. So within regards to that one, so obviously, COVID had its effects. And then from there, you're traveling quite nicely. Then obviously, the tariff talk with Trump was a bit of a dip, and then it started to recover quite nicely. But then given what occurred with Ben Long and that underlying asset that was done for accounting and not reporting correctly, caused that Yep.","start_word":1850,"end_word":1915,"sentiment":"neutral","sentiment_score":-0.15645809471607208},{"text":"portfolio to basically take a little bit of a backwards turn this year.","start_word":1916,"end_word":1928,"sentiment":"negative","sentiment_score":-0.3497347831726074},{"text":"Then saying that we're looking at adjusting that, changing that out so that moving forward, you don't have that sort of market volatility within regards Yep. to managed funds at least anyway and still maintaining that level of growth that you're getting out of your superannuation with just different asset classes. Yep. Now can you see the the email there with the documents there at all there, Brett? Yeah. We have had issues with it being quite slow sometimes. Not an issue. I can just run through it, and then you obviously have some time to look through it in your own time. It's Sure. valid to thirty days from when we sort of like the documents finalized. So thirty days from the twenty third of the second there. And then from there, it's valid for another thirty as long as nothing sort of major has changed that affects the advice. And given that it's just an investment update, that should be fine. Yes. Page eight and nine, you'll see your details to just confirm that they are all correct. We have updated the the liability on the the mortgage there as well. In addition to that one, you've got your credit card debit. Obviously, that's just based on the same way that, you know, banks calculate with the the credit card debt. I know you're able to sort of pay it off quite regularly, but it's just based on what we'll have there Yep. for that one. So just the $3,000 value. In addition to the net wealth there, you've obviously got the AIA policy that is attached to that and paid through the rollovers over that. And with that one, it's for that 426,000 of life and around the 406 of total permanent disability. Now as I said, I'll do up some more quotes for you there, request those, and then we can send those to you to have a look at and see what you might wanna do in terms of, like, costs and the cover you might need. Yeah. Okay. In addition to that one, you are getting quite close, you know, to that age of 60 where you can access your super, so you might not need it in a few more years if that makes sense as well. Yep. Yep. In the event that something did happen, you would potentially, as long as you're over the age of 60, made a conditional release to be able to access your super. Obviously, Yep. in regards to that, you don't wanna sort of be eating into your superannuation too much because that is your retirement money there as well. And Yep. then you sort of just be relying on government assistance programs, things like that as well. But at least you've got that access there in a few years' time. Now in relation to the the risk profile there, you did score a growth, and we still recommend you do maintain that growth investment. So with that, I know, you know, sooner, the better when it comes to retirement, but you're sort of still happy to work through to the age of 67 should you need to get to that sorta pension age there as well to assist in your retirement. So with that one there, you still have plenty of time to maintain that level of exposure to growth assets. And as I said, we're looking at removing the active portion anyway in regards to that. So you wouldn't be looking to, like, try and outperform the market for that higher cost. We're actually looking at going a bit more passive Yep. Yep. to where you don't have those active managed funds, but with that, it lowers the investment cost quite significantly. And then given that as well, it lowers that management risk, which can cause those fluctuations like what occurred in Benelong with the waiting that you did have in your portfolio. Yep.","start_word":1929,"end_word":2587,"sentiment":"neutral","sentiment_score":0.10441655935281506},{"text":"So moving forward, you obviously if the markets travel well with that, it's more indexed approach that will still continue to perform quite well and add a cheaper cost there as well.","start_word":2588,"end_word":2619,"sentiment":"positive","sentiment_score":0.4540386199951172},{"text":"One of the risks is is obviously if the markets do stagnate just a little bit then, so with your your your superannuation there as well in terms of the returns because it's not trying to outperform the market. You don't have those active managers. But in saying that that you just do what the market's doing, you don't have the risk of going, like, double double sided the wrong way, like, like, been along did there as well. Yep. Now within regards to that maintaining, you obviously don't pay that capital gains or as much when it comes to switching the investment. There will be a slight capital gain given that over historically, you know, you have had quite good returns overall. So you will have to pay Yeah. some capital gains on switching those investments. But with that, you'll still have a platform that's quite flexible to be able to do those transition retirement strategies later on and things like that as well and being able to choose the portfolios that we currently have. Do you have any questions in regards to the the platform or anything like that, Brett? No, ma'am. I'm all good. Gotcha.","start_word":2620,"end_word":2817,"sentiment":"neutral","sentiment_score":0.011819464154541492},{"text":"Perfect.","start_word":2818,"end_word":2818,"sentiment":"positive","sentiment_score":0.43813055753707886},{"text":"Now, obviously, you know, there's obviously risks in the sense that you are sort of buying and selling, so there's a cost associated with that one switching up investments. Also, the time out of the market for the investments that have been sold down to cash. But with that, it is sort of not the majority of your port portfolio. It makes up for given that that little bit of a loss with Benelon recently to be that you'll be buying into some new assets while the rest of it still remains invested that has been performing well. And Yep. then Yes. with that, we did look at this sort of, you know, holding on to Bennelong, what that might look like, but there's not much confidence in them moving forward given the past few years of performance plus what occurred at the end of last year. And then Yep. with that, there's funds that we're recommending that a lower risk in terms of that investment risk.","start_word":2819,"end_word":2985,"sentiment":"neutral","sentiment_score":-0.06253636320550998},{"text":"And in addition to that, they're lower costs, so you'll save as well.","start_word":2986,"end_word":2998,"sentiment":"positive","sentiment_score":0.43113040924072266},{"text":"We also looked at still switching, but we've given you time Yep. sort of till the age of 60 where you might wanna be start drawing down and things like that. Paying Yep. that high capital gains now can really sort of affect your your growth and that compounding effect for the amounts and lowering that balance. So on page 16, not that you can see it, you'll be able to see the buyers and sales. So with that, you will be switching from the bed along there will be a slight adjustment for the gold portion in that as well given that sounds so well. And then you'll be selling down of the Vanguard fixed interest. And then also, there's a a Miski fund, which is sort of the investment outside of The US and more Europe focused, Yep. that Europe, Asia. And then you'll be switching to a Vanguard all world excluding The US, which is basically the alternative for that, Miski there. It is that cheaper cost ongoing. In addition to that one there, you'll just be switching to the BetaShares 200, which is basically the Australian equities that's switching out for the Benelon. So that's just, Yep. like, the top 200 companies in Australia. And then you'll have an iShares core composite bond. So that's kind of like the the switches there in terms of what's going and what's coming in. And Yep. then gold's just being adjusted just a little bit. Now as far as the allocation goes, you will have actually a slightly higher allocation growth assets, and that's only due because we consider at the moment alternative growth assets to the gold being 10% to be a 100% growth at the moment, which means that it does bump up technically. But in saying that gold can be considered quite offensive in market turnarounds there as well. Yep. And if this is that one, you still have your bond and a few other portions of that portfolio. That does still mean you're quite defensive with that 14% total, and, obviously, gold can be considered a bit of a split, but currently, it's all all growth. So you will increase your exposure slightly to growth assets, but you will not have that manager risk that comes with the funds and things like that. And it also Yep. diversifies your portfolio a little bit more as well as your key holdings, the amount going into those. You've got about 30% in the S and P 500, but given that, you know, you've got quite the high allocation currently, the Bed along being 36% to a managed fund is Yes.","start_word":2999,"end_word":3441,"sentiment":"neutral","sentiment_score":0.11752111409237909},{"text":"quite high, and then the index is a lot more sort of stable and a safer sort of bet than managed funds and how they do return sort of year on year.","start_word":3442,"end_word":3473,"sentiment":"positive","sentiment_score":0.37916091084480286},{"text":"Now with that one there as well, it will drop your investment fee down that $842 per annum in terms of the ongoing cost. Yep. And then overall, with the growth estimate, it will predict that your adviser fee will go up slightly for a year's worth of growth just based on the fact that one we're recommending is performing better in terms of your current investment.","start_word":3474,"end_word":3540,"sentiment":"neutral","sentiment_score":0.31621402502059937},{"text":"So overall, it's it estimates you're gonna be around sort of 701 bit dollars better off per annum just in terms of the total fees you're paying, Yep. plus the portfolio that you're going into has just been performed a bit better. Little less risk and then lower lower costs, which is your guaranteed savings, which you'll get for the next few years moving forward until you sort of hit that transition to retirement stage. Yep. Perfect.","start_word":3541,"end_word":3617,"sentiment":"positive","sentiment_score":0.4158791303634643},{"text":"There are a few, like, percent projections there as well that show you what that might look like as a a difference in how that might be performing if everything was to replicate itself year on year. But, obviously, Yes. projections to be taken with a grain of salt. You know, they're never sort of accurate because the markets never replicate year on year. And given that, you know, it seems like every second day someone's starting a new wall with someone else, it can There be it quite is, isn't unpredictable. it? Yeah. It is at the moment. It's like, all the you know, you hear on the news almost, like, every week.","start_word":3618,"end_word":3731,"sentiment":"neutral","sentiment_score":-0.13456451892852783},{"text":"Oh, the gains that we made this week have been lost overnight. It's like, what the hell?","start_word":3732,"end_word":3748,"sentiment":"negative","sentiment_score":-0.5018401741981506},{"text":"Yeah. Basically, first, it was, you know, what was it?","start_word":3749,"end_word":3758,"sentiment":"neutral","sentiment_score":-0.3091096878051758},{"text":"Venezuela being kidnapped, the dictator, and then, yeah, Iran's been bombed, and then they've retaliated. So it's just, yeah, one thing after another at the moment, unfortunately. It's just it's amazing how one person might feel can can inflict a lot of pain.","start_word":3759,"end_word":3801,"sentiment":"negative","sentiment_score":-0.5036741495132446},{"text":"Yeah.","start_word":3802,"end_word":3802,"sentiment":"neutral","sentiment_score":-0.2795022130012512},{"text":"Well, it's amazing just what one tweet from, you know, someone like Trump can do in terms of, like, Yeah. markets. It's not good.","start_word":3803,"end_word":3826,"sentiment":"negative","sentiment_score":-0.4976200461387634},{"text":"Yeah. As much as we like to think that it's all sort of numbers and analytics, when the markets are concerned, it is people at the end of the day buying and selling those assets. So a lot of it comes down to emotional bias and things like that as well when it comes to the buying and selling and things. Yep. As far as your estate planning side of things goes there as well, I know you have your your net wealth beneficiary there in force. But as far as the AIA, I don't believe it's ever been completed or it has been, and then somewhere along the line, it's sorta lapsed or it wasn't complete. I'm not too quite sure. But I know you've got Donna there as a 100% nonlapsing binding. So Yep. we are just recommending you nominate your spouse against that AIA policy. Sure.","start_word":3827,"end_word":3975,"sentiment":"neutral","sentiment_score":-0.11240477769966892},{"text":"In addition to that one, obviously, spouses, a 100% of the time, will get the benefit tax free.","start_word":3976,"end_word":3993,"sentiment":"positive","sentiment_score":0.35687288641929626},{"text":"Now Yep. I know that you've got the sort of adult children, but the adult children there, they'll be charged a tax on top of that. So they won't get the benefit tax free because they're no longer tax dependent unless, obviously, they come back home living at home and you're paying sort of their way and things like that as well. Yep. And then they might sort of receive Hi. it for Do you have pun? a knob stop do you have a knob stop playing their way? Yeah. Exactly.","start_word":3994,"end_word":4084,"sentiment":"neutral","sentiment_score":0.029139092192053795},{"text":"Unfortunately, it's a lot harder to prove when it comes to the super side of things there as well.","start_word":4085,"end_word":4103,"sentiment":"negative","sentiment_score":-0.3696621060371399},{"text":"The other option is obviously to leave it to your will and to be distributed that way. You don't Yep. have to pay the the Medicare levy there if it was to go through the will, which is a bit of a benefit, but you will sort of still pay tax when going to the the estate as well. So those are the sort of options there that we're recommending you do your your spouse. Again, much like before, and I know you just haven't looked at your will for a while, so we do recommend that you go, you Yeah. know, have I need a conversation I need with yeah. yeah. I And need to do that. Definitely need to do that. Absolutely. yeah. So Yeah. that was the recommendation there as well. It's just to review that. We'll make sure it is all up to date, especially, you know, given that things have quite changed in terms of, like, bit of money coming in there. Same if if you were to get an inheritance as well and be completely debt free. And if you were to know, purchase investment properties, things like that, all those make quite Yes. a difference as well when it comes down to the estate planning matters. Yep.","start_word":4104,"end_word":4317,"sentiment":"neutral","sentiment_score":0.040771204978227615},{"text":"Perfect.","start_word":4318,"end_word":4318,"sentiment":"positive","sentiment_score":0.5049943923950195},{"text":"Now as far as your ongoing services, they don't change at all. Obviously, you can have a look at the the new FSG and services guide there that they've done up and see what you're sort of entitled to as an ongoing client. As far as the adviser fee, they are looking at, you know, changing the fee structure eventually. But at the moment, it's still that 1.65 there. It Yep. has the estimated adviser fee around that sort of $3,456 as an annualized premium if your super was to grow based on the recommended projections. So that is an estimate of what that might look like, and then we do still get 22% of the premiums of the AIA policy for keeping it in force, which is around the 1,200. Now that's not to say that you pay that additional on top of what you pay to AIA. We just get a commission from AIA, and we have to disclose that just based on the fact that we're getting remuneration from it for maintaining that policy, if that makes sense. Yep.","start_word":4319,"end_word":4500,"sentiment":"neutral","sentiment_score":0.07021554043659797},{"text":"Yep. Perfect.","start_word":4501,"end_word":4502,"sentiment":"positive","sentiment_score":0.5318781733512878},{"text":"So as far as, like, upfront cost, things like that, it's not upfront or anything. It's just the ongoing that you're currently paying.","start_word":4503,"end_word":4525,"sentiment":"neutral","sentiment_score":0.22119171917438507},{"text":"If you were to sign the document, you're happy with the investment update, we do that all on the back end there for you.","start_word":4526,"end_word":4549,"sentiment":"positive","sentiment_score":0.4265874028205872},{"text":"Obviously, you know, it is quite a straightforward document there. There's a few things that we did touch on, but we didn't provide advice on at this point. Yep. So that sort of things for later dates there as well, so we're aware of. We've got them noted there just to keep an eye on them, keep you accountable sort of things as well. Ask you sort of every 12 just to make sure you don't forget as well, much Yeah. like Okay. that will. Yeah.","start_word":4550,"end_word":4635,"sentiment":"neutral","sentiment_score":0.1405828297138214},{"text":"In addition, if you did want advice on it in the future, it makes it a lot easier there as well.","start_word":4636,"end_word":4656,"sentiment":"positive","sentiment_score":0.41775235533714294},{"text":"So in addition to that, if you were to sign, we do that change in the back end. It wouldn't change anything else there for you, and then we can send you a copy of those beneficiary forms there as well for the Okay. AIA policy. Would you Yep. like that just like to be mailed to you or emailed? I think you can email that.","start_word":4657,"end_word":4722,"sentiment":"neutral","sentiment_score":0.24009123263937057},{"text":"That would be that would be good. Perfect. I'll get the team to email a copy there, and I'm I'll even ask them to prefill it for you there as well just with your your Sure.","start_word":4723,"end_word":4758,"sentiment":"positive","sentiment_score":0.4783107042312622},{"text":"partner's details. But do you have any questions in regards to that document roll there, Brett? As I said, it is No.","start_word":4759,"end_word":4780,"sentiment":"neutral","sentiment_score":0.006531606428325176},{"text":"quite quite Not straightforward. not at this stage.","start_word":4781,"end_word":4788,"sentiment":"negative","sentiment_score":-0.4182662069797516},{"text":"I mean, Yep. I'll I'll look at it when that email comes through and and have a good look at it. And if I've got any questions, I I I can give you a call, mate. But at this stage, no. I don't have any questions. Perfect. As I said, you got plenty of time. In the meantime, though, if you could get us a copy of your your ID there, the most up to date one I there as I well. I actually just sent it sent it through, mate.","start_word":4789,"end_word":4879,"sentiment":"neutral","sentiment_score":0.07639564573764801},{"text":"Oh, brilliant. That's perfect. I'll get on to that, and I'll get that one actioned there for you.","start_word":4880,"end_word":4897,"sentiment":"positive","sentiment_score":0.4961898922920227},{"text":"And then, yeah, we do have here too that the last contribution you got from your Central Coast Football Club is around the 288 there. Have you started taking, like, a wage plus them contributing to your super, or is that just what you got in terms of, like, the amount you for the work you did this year or Yeah. last That was year? just just the amount. Yeah. Yeah. For the amount that I did last year. Yeah. Alright. It's Not just a problem. like It just a it's just just an honorary thing. yeah. It just seemed a little bit less. I wasn't sure if you changed up your pay structure or things like that. Really? Pardon? So I would say it's a bit less. I only got it for $288 in terms of the contribution amount that went in, which I think the previous year, it was closer to the 1,500. Yeah. Something. That's why I was sort of just double checking. I I'll just bring up contributions again. I'll see that the last one was compared to this one. thought it was, like, January. Yes. On the 2026, it went in for $288. And then the last one prior to that, I'll just see where that one was. It was around 2,400. Yeah. That's what I was a little bit confused just when I was looking at it because it's obviously quite easy to see what the Central Coast Football Club and what they're they're putting in there. Yeah. Since you've been on board, they've had, yeah, just that one in 2024 and then that last one there in the year 2026, month of the first. I did. K. It was got one, two, and seven, I think. Yeah. You're right. You there, man? Yeah. Yeah. Sorry. I thought you were speaking to someone Sorry, man. Yeah. else. So Yeah. I just had a look here on the on the January 9. There Yep. was a salary sacrifice contribution of 2,400. Okay. Yeah. Because I can just see the I was just looking at the employer super guarantee contribution That's amount. that's the one from Plumbing Kitchen. That's Pardon? that's from Plumbing Kitchen. That one? Oh, the salary sacrifice there was from But that's not Salisbury's Acropause. That's just right. The Salisbury's Acropause contribution is not from Central High School. sorry. I'm just having a quick look here. So you you're salary sacrificing there currently with your current employer there as well, or is it salary sacrifice No. in terms No. I'm with the Central With Coast Football one. because it's the last one in 2024 came as employer super guarantee contribution, and then there's that one there. And then, yeah, there is also a salary sacrifice contribution, but I can't see what it was for. Like, it doesn't actually list it for an hour. And so that salary sacrifice contribution made in 2026 was also from the football club? That's right. Yes. Okay. Do you know what the the other amount would be for then as well? Which one? 2,088? Yeah. That would be from my full time employment. No. It still says that one there is from Central Coast Football. Oh, Is does it it? $2.80 Oh, I out can't. there as well? Unless they're paying you, like, that's your salary that you fully salary sacrifice in, and then you've got the 288 there as well that's, like, on top of the the 2,400 that you earn. I'm not too sure how the accountant has been doing it, but you can I can see the salary sacrifice amounts going in, and then I can see, yeah, just a couple additional payments there as Yeah. well? So in 2024, it's employer a contribution, and then the salary sacrifice amount. You've got 2023 was a salary sacrifice contribution, 2025 was sales tax, and then 2026 was sales tax. And then you've also got the employer paid contribution. There's a $288 on the ninth of the first as well. Yeah. I know that one. Yeah. So I'm not too sure because, obviously, you're able to sell sacrifice the amount of 2,400. So I'm not too sure if they've realized they should have been paying you super on top of that as well for that amount or they just started doing it, but you got an extra $288 there as well. Okay. No worries. Okay. Crazy. Say I mean, free money is free whatever. money, so don't ask where it comes from. Don't complain. Yeah. Not a problem. But do you have any questions for me there, Brett, in regards to anything else or anything that was discussed there? No. No. It's all good. Just just just like say, like, in regards to say that Benelon managed fund, Yep. If if like, if if you can, like, if you can say that that's, like, you know, like, the the process falling all the time, can you can you just call like, make an an early call on one or not? You know what I mean? In terms of, like, us just making a change without informing Yeah. you sort of thing? Yeah. Or just just because I I remember I did get an email once and said, look, one of your one of your one of your portfolios or one of the funds that you're in, we're gonna we're we're we're cutting it and we're gonna put it into something else. Yes. So, Like obviously, it's like extenuating circumstance, I think. So during COVID and a few other circumstances when it came to, like, those sort of events, the investment community has made, like, company wide decisions to, you know, just blanket to, like, a recorded advice for changing this due to these reasons. Yep. Obviously, in regards to Bennelong, it was something that it wasn't sort of foreseen. Like, with the global pandemic, you could see it, like, sort of coming with what was occurring.","start_word":4898,"end_word":5896,"sentiment":"neutral","sentiment_score":-0.045014465270606846},{"text":"In terms of the Benelung, the reason that caused it to dip so so you can fill in so quickly was largely due to the corporate traveler investment that got done for not reporting correctly.","start_word":5897,"end_word":5931,"sentiment":"negative","sentiment_score":-0.4034184515476227},{"text":"And the only way Yep. you sort of would have known about that was if you yeah. Invest What in money or something. yeah.","start_word":5932,"end_word":5955,"sentiment":"neutral","sentiment_score":-0.1765669733285904},{"text":"If you had a little bit of insider knowledge in regards to that, because after that was announced, it dipped really quite significantly.","start_word":5956,"end_word":5978,"sentiment":"negative","sentiment_score":-0.3541170358657837},{"text":"Yeah. And Right. then throughout the sort of back December, it's just basically gone, you know, your ups and your downs, your ups and your downs.","start_word":5979,"end_word":6004,"sentiment":"neutral","sentiment_score":-0.29462143778800964},{"text":"It doesn't really go on anywhere. It's remained Yep. quite stagnant. Even year to date, I think it's only it went up to, like, 4% back, and now it's only sort of sitting at point 2% back for the year. So, yeah, unless you sort of knew prior to, you know, the November there that that was gonna occur, you really hadn't sort of no knowledge that it was gonna dip that significantly and that quickly because it was, like, 20% over the course of, like, a Yeah.","start_word":6005,"end_word":6092,"sentiment":"negative","sentiment_score":-0.42949429154396057},{"text":"Yeah. Right. month. Okay. So quite a significant dip. The other one that crashed more, I think, was your cryptocurrencies if you ever doubled in those as well. Yeah. But, yes, as it like, as they've done a review of that, they have decided as an investment key to move away from Benelung, which is part of, like, the update there as well. Yep. No problem. Do you have any questions in regards to that one there, Brett?","start_word":6093,"end_word":6170,"sentiment":"neutral","sentiment_score":-0.04611031195292106},{"text":"All good. All good.","start_word":6171,"end_word":6174,"sentiment":"positive","sentiment_score":0.594292402267456},{"text":"Too easy. Obviously, yeah, have a read through document, come back with any questions. I'll get those quotes done up. Maybe I'll get them this afternoon or maybe sometime tomorrow, and I'll just shoot you an email with those Yep. different amounts there as well. Sure.","start_word":6175,"end_word":6220,"sentiment":"neutral","sentiment_score":0.19009368121623993},{"text":"Too easy. Well, you enjoy the rest of your day at work there, Brett. Thanks for your time, and I'm sure we'll speak soon. Cheers. Thanks, mate. Bye.","start_word":6221,"end_word":6248,"sentiment":"positive","sentiment_score":0.7075652480125427}],"average":{"sentiment":"neutral","sentiment_score":0.04292852343564584}}}}