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I know you are with the kids, so I'll try not to take up too much of your time there. But if you do need me to stop or pause, please let me know. Okay? All good. Now I have emailed the document through to you as well. Do you have access to that in at the moment, or did you want me just to go through it all and then I can you can have a bit of a range for it later? What's your preference there? Yep. That's absolutely fine. It's not a problem at all. Now with this one here on the front of the document, just to hit those points that I have to make sure I touch for you, the document has been prepared for yourself as of yesterday's date there. The document has been prepared by myself and my lovely team here at OQ Financial. I am a full licensed adviser, so my registration number with ASIC is 1304394. In the front of the document, we do outline the scoping to areas that we are touching on with regards to the advice. We've got the superannuation, looking at making some investments which is there for you, and then also the estate planning. So one of the things is making sure your beneficiary nominations are in line and nominated to your partner in the event you would have passed away. Okay? We do also have your updated super details. The current insurance policy that you do hold noted in there, we're not touching on insurances at the moment. It has only been scoped into a limited basis there because it does have an effect on your overall retirement income. Your insurance premiums are paid out of super, so it is included in the projection table in there, which you'll be able to have a look at as well. Okay? Excellent. The also, do you have all of your assets and liabilities noted as per our last conversation. When you do review that one later, if you do find there's any changes that you wanna make to those, absolutely fine. Please let us know. We can have that updated for you. The assets and liabilities have no effect on the on the advice document at all so far, which is a good thing. Okay. Perfect. So, essentially, what we are looking at with regard to the super debt is making sure that you are invested in line with your risk profile as well as making those changes. You may have mentioned that you wanted to see some extra, maybe a bit of gold and or silver in your portfolio. We did already have physical gold. So we're looking at adding some silver in there to give you a a bit more diversification, looking at growth investments that have got potential for long term credit growth, but also can act defensively at certain times for you, which isn't a bad thing given the current climate we're in at the moment. We are looking at switching out the bank hybrids there. Bank hybrids, as we discussed last time, are about to be phased out by the government, so we are just switching those out while we are making the changes now. We are also removing any underperforming investments that have been along Australian Equities, which is the one we discussed, has been underperforming, was more of an actively managed component in your super there, but they have had some problems and are no longer a valuable asset to hold at this point in time. So what we're gonna do in order to replace the Ben along Australian Equities and make sure you still have access to the Australian Equities portion of your portfolio, because it is still a good place to hold, we are gonna look at the beta shares a 200. This is more passively managed. It's actually cheaper, and it's gonna be it's still giving you access to the top 200 companies on the ASX, so it is tracking the top 200 companies there. One of the good things about this investment is that it does track an industry. So, essentially, if the the maker of the industry actually meets every quarter and if, say, a company doesn't fit the criteria to be in the top 200, they are removed out of that. And so as a passively managed fund tends to track the industry as well, they do remove those out of the investments. So you are always tracking the top 200 companies in Australia, which makes it more valuable for your portfolio. And it's also cheaper than holding Ben along, so it's gonna work out better for you long term as well. Okay? So we're removing the bank hybrids. We're moving all of the Ben along there for you as well. We are just rebalancing the S and P 500. You're a bit overweighted in there at the moment. We wanna bring that back a little bit, especially given what we're, you know, facing at the moment there. We don't wanna be overweight and taking on too much risk. You wanna be within your risk profile, but not over reweighting and reducing some of the S and P 500 down to 24% for you. We're keeping all of the the cybersecurity. It is the great area to hold. Physical gold, you're still gonna hold that. We are just rebalancing it back because you're a bit overweighted there at the moment. So we'll bring that back and realign it to the 10% you should have, and then we're adding some physical silver in there as well at about 5%. I have put less in there than you do physical gold because physical gold tends to get greater returns, but it's more defensive in nature. Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold. So you are gonna hold a bit of gold and a bit of silver. About 10% of gold and 5% of silver is gonna be added in there for you as well. We've also got so as I mentioned, we've got the the a 200 being added in there for you instead of Bennelong, which we are completely removing. And then we're also just gonna rebalance. We had to sell down some of the ClearBridge infrastructure. So in order you're only allowed to in in these sorts of portfolios have a certain amount of alternative assets, which are your gold, your silvers, and certain infrastructure funds. So we didn't wanna sort of lose out on the gold and the silver, so we're selling down some of the infrastructure you have to account for adding the gold and the silver in there and keeping up the higher rate for you. Okay? Yeah. No. It's actually working out a lot better for you. So when I kind of looked at everything with regard to the portfolio there, the CGT consequences for making these changes is only $209. So we expect your fund to just have a tax consequence of $209 to make all these changes. It actually does bring you back in line with your growth portfolio. You were just a little bit overweighted slightly, so bringing it back more in line with where you should be, making sure not to overexpose you to risk, especially in this kind of climate we're in. And it actually reduces your, yeah, sorry. Absolutely. Absolutely. Yeah. We're sort of looking short term at the moment. We certainly hope it doesn't last that long, but, I mean, with the war happening in one aspect but then here in Australia, we also still have high inflation rates. So we're sort of getting hit on more than one front at the moment. So but, look, honestly, this is putting you back in line with your risk profile. It's also lower cost in investment fees. So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic. So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any underperforming investments, and it's also been performing better. So when we consider the portfolio you were invested, the one we are recommending, when we look at the last of the three years, we have to use a three year rolling average for this because the bank hybrids haven't been around long enough to give us five years. But when we compare the two different funds, your previous portfolio has averaged about 14.2 over the past three years. The newer portfolio, which is being recommended, can average or has averaged about 18.43%. So it has had a greater average return over the past couple of years, which can put you in a better position depending on markets and how they react to obtain greater growth down the track there as well. So it's just another benefit for being able to make these changes. While the portfolios do and have seen greater past performances, it's important to know I don't expect you're gonna get 18% every year over the next sort of five to ten years. But if Martha's react the way, you know, they have in the past, if you do happen to get, you know, close to that kind of return, we do have a projection that shows where you could end up, and we could see you over the next ten years end up with a bit over $500,000. Okay? Yeah. All good. All in all, it's making the changes that you were after, rebalancing the portfolio back, adding in some more of those commodities, which is really important, removing the under underperforming investment option, and making sure to get rid of the the bank hybrids as well, which is also gonna be phased out for you. So it works really well in your favor. It's in best interest for you. It saves you on fees, and the fees also out better the saving on fees is bigger, sorry, than the CGT consequence your fund would have to deal with as well. And it's performed better in the past as well, so it's kind of a a win win scenario with that one for you. Okay? All good? Absolutely. That's exactly right. Your ongoing service fee is linked to us, so we wanted to definitely do well. And in this time, so there is a bit of uncertainty and a bit of volatility out there. We know that the markets are expecting a bit of a downturn, so we also know that our fee is gonna take a bit of a dip there with it. And that's really important that we're following along with what's happening in the market. Yeah. Yeah. Yeah. Well, we we we were able to catch up with some of the economists yesterday when we did a bit of a meeting with a BlackRock investment team, and they've sort of made mention that they're seeing whilst the you know, no one hopes the war is gonna go on for a long time, but there is that expectation that it may not be an you know, a one or two month sort of thing. It may go on a bit longer. That the other side of it, they're expecting quite high inflation. So we just have to sort of wait and see. But with the oil prices the way they are, even with the, you know, even with the excise being reduced, oil is still quite high. And if oil continues to get higher in prices per barrel, we're gonna see that excise have less of an effect. Inflation is still technically very high. They are certainly hoping that this will change with the changes they're making to the credit card surcharges. But at the end of the day, we still have a really good job market. So people are still spending. We have income. We have expendable income currently. So there's a few different fronts that we're facing, and it's just a matter of seeing where this is gonna go over the next few months and sort of track it along. Yeah. Absolutely. The good thing is the investments that you are invested have seen these sorts of downturns. They've been through investment downturns like, say, the bond crashes. They've been through fixed interest downturns. They've seen, like, the the COVID downturn, the g f, things like that, and they've come out on top. So it you're in investments that have withstood those ups and downs, and they're still progressing come out. So it is really good to make sure you are in those sorts of investments, and we would never put you in anything crazy or speculative. So yeah. Yep. Beautiful. Excellent. I will let you have a bit of a read through that. I have outlined the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well with the beneficiary nominations as we kinda went through last time. We'll just make sure those are completed and added to your super fund and your life insurance policy, noting a 100% to be passed to your partner. I have noted them as being a binding, non lapsing nomination for you as a recommendation. So a binding nomination binds the trustee to follow that direction you've made so long as the direction is made under a valid nomination. And then non lapsing means you only have to select the nomination once, and we don't have to rechange it until your wishes change on who you want the funds to be paid to. So I'll make sure my team help you to follow-up and get that sorted. Okay? Beautiful. That's okay. All good. Yeah. Yeah. Absolutely. Yeah. Yep. Yeah. Absolutely. Not a problem at all. Is there a certain time that we could maybe book in for the admin team to touch base and do a bit of a welcome call with her and kinda go through what we do and explain how it all works? Or yep. Did you want me to maybe touch yeah. Yes. Okay. Did you wanna book a time now, or did you wanna have a chat to her first and I maybe touch base in the next few weeks and see if we book in a time then? What would be more preferable? That's okay. Yeah. Absolutely. Okay. So April 21. And so around ten was it 11AM? Yep. Perfect. Lovely. I've got one of the admin team available then. I can book it in book it in for a bit of a welcome call if that's preferable. They'll just go through how it works, what we do, how the research component goes, and then they can all organize for myself to organ to do the original research and have a chat to you about our goals and details. That works for you guys? Beautiful. And just so you are aware as well, at the moment, your ongoing service fee is 1.65%. If your partner does come on board, we can link everything up and actually reduces your fee to 1.1, and hers is only 1.1 as well. So I don't want that to be the only reason she signs on board, but I just wanna let you know we do have that coupling fee if if your partner does decide to come on board with us as well. Yep. Yep. Perfect. Is she working at the moment? Yeah. Perfect. Excellent. And do you know roughly where her super is located? If not, that's okay. Post plus. Yeah. No. Not a problem at all. Beautiful. And so so can I yep? Love Post plus. Awkward. And can I just grab your name for the call or for the booking as well? I'm so sorry. E l y s e. Beautiful. And, Alisa, I do just double check because you just never know that your surname is Farrah as well. Is that right? Yep. Lovely. You just never know these days. It's always worth double checking. All good. So I've booked that one in for you for my admin team member, Madison Lisker, to give you a call on 11AM on the April 21, which is a Tuesday. She'll go through a bit of an introduction around who we are as advisers, what we do, how our process works, and then she'll organize a time for me to she'll do some research with you on all of your financial goals and things, and then she'll book in a time for myself to go through a lot more detail around what your goals are, what you're looking at, and then myself and my team will put together some financial advice for you. Is that okay? Yep. No. That's okay. Not a problem at all. And, Elise, can I just grab your contact phone number there as well? O four zero one three seven. Yep. 13. Perfect. I'll just read that back to you. It's 0401379513. Perfect. Well, thank you so much for that. I've booked that one in for my colleague, Madison Liska. She'll send out an email or sorry. Send out a confirmation text message just about an hour prior to let you know she'll be making the phone call. I've set that up automatically for you. And, yeah, like, it's lovely to meet you. I'm Dana. I'm one of the financial advisers here. And, yeah, we'll we'll look at what we can do to certainly help you and tailor some advice to meet your needs and your goals and look forward to helping you moving forward. That's yeah. Not a problem. I hope you guys have a lovely afternoon and a great Easter. I will. Thanks so much, Ray. Yeah. No. That's okay. It's only a week, but look, it's all good with Easter and the school holidays. It's very busy time for us all having small children. That's for sure. No. All good. No. That's exactly right. That's it. Reese, what I'll do is I'll send you an email, in a second from my direct email contact. So if you are reading through the document, at any point you find you have any questions, feel free to email me and let me know. Whilst I am away, I still do check my emails every so often, so I will endeavor to get back to you as quickly as possible, if not on my return, to answer any questions you have. And if you are comfortable just to proceed with the advice, I'll get you to sign and return it back for me straight away. Okay? Beautiful. Lovely. Thank you so much. Have a great holiday have a great your school holidays for the kids, and enjoy your Easter. I hope it's lovely for you all. Thanks so much. I'll talk to you both soon. Thank you. See you later. 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Reese. How are you? I'm very well. Thank you. Is now a better time there for you?\n\nYeah. That's absolutely okay. It's not a problem at all. I know you are with the kids, so I'll try not to take up too much of your time there. But if you do need me to stop or pause, please let me know.\n\nOkay? All good. Now I have emailed the document through to you as well. Do you have access to that in at the moment, or did you want me just to go through it all and then I can you can have a bit of a range for it later? What's your preference there?\n\nYep. That's absolutely fine. It's not a problem at all. Now with this one here on the front of the document, just to hit those points that I have to make sure I touch for you, the document has been prepared for yourself as of yesterday's date there. The document has been prepared by myself and my lovely team here at OQ Financial.\n\nI am a full licensed adviser, so my registration number with ASIC is 1304394. In the front of the document, we do outline the scoping to areas that we are touching on with regards to the advice. We've got the superannuation, looking at making some investments which is there for you, and then also the estate planning. So one of the things is making sure your beneficiary nominations are in line and nominated to your partner in the event you would have passed away. Okay?\n\nWe do also have your updated super details. The current insurance policy that you do hold noted in there, we're not touching on insurances at the moment. It has only been scoped into a limited basis there because it does have an effect on your overall retirement income. Your insurance premiums are paid out of super, so it is included in the projection table in there, which you'll be able to have a look at as well. Okay?\n\nExcellent. The also, do you have all of your assets and liabilities noted as per our last conversation. When you do review that one later, if you do find there's any changes that you wanna make to those, absolutely fine. Please let us know. We can have that updated for you.\n\nThe assets and liabilities have no effect on the on the advice document at all so far, which is a good thing. Okay. Perfect. So, essentially, what we are looking at with regard to the super debt is making sure that you are invested in line with your risk profile as well as making those changes. You may have mentioned that you wanted to see some extra, maybe a bit of gold and or silver in your portfolio.\n\nWe did already have physical gold. So we're looking at adding some silver in there to give you a a bit more diversification, looking at growth investments that have got potential for long term credit growth, but also can act defensively at certain times for you, which isn't a bad thing given the current climate we're in at the moment. We are looking at switching out the bank hybrids there. Bank hybrids, as we discussed last time, are about to be phased out by the government, so we are just switching those out while we are making the changes now. We are also removing any underperforming investments that have been along Australian Equities, which is the one we discussed, has been underperforming, was more of an actively managed component in your super there, but they have had some problems and are no longer a valuable asset to hold at this point in time.\n\nSo what we're gonna do in order to replace the Ben along Australian Equities and make sure you still have access to the Australian Equities portion of your portfolio, because it is still a good place to hold, we are gonna look at the beta shares a 200. This is more passively managed. It's actually cheaper, and it's gonna be it's still giving you access to the top 200 companies on the ASX, so it is tracking the top 200 companies there. One of the good things about this investment is that it does track an industry. So, essentially, if the the maker of the industry actually meets every quarter and if, say, a company doesn't fit the criteria to be in the top 200, they are removed out of that.\n\nAnd so as a passively managed fund tends to track the industry as well, they do remove those out of the investments. So you are always tracking the top 200 companies in Australia, which makes it more valuable for your portfolio. And it's also cheaper than holding Ben along, so it's gonna work out better for you long term as well. Okay? So we're removing the bank hybrids.\n\nWe're moving all of the Ben along there for you as well. We are just rebalancing the S and P 500. You're a bit overweighted in there at the moment. We wanna bring that back a little bit, especially given what we're, you know, facing at the moment there. We don't wanna be overweight and taking on too much risk.\n\nYou wanna be within your risk profile, but not over reweighting and reducing some of the S and P 500 down to 24% for you. We're keeping all of the the cybersecurity. It is the great area to hold. Physical gold, you're still gonna hold that. We are just rebalancing it back because you're a bit overweighted there at the moment.\n\nSo we'll bring that back and realign it to the 10% you should have, and then we're adding some physical silver in there as well at about 5%. I have put less in there than you do physical gold because physical gold tends to get greater returns, but it's more defensive in nature. Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold. So you are gonna hold a bit of gold and a bit of silver. About 10% of gold and 5% of silver is gonna be added in there for you as well.\n\nWe've also got so as I mentioned, we've got the the a 200 being added in there for you instead of Bennelong, which we are completely removing. And then we're also just gonna rebalance. We had to sell down some of the ClearBridge infrastructure. So in order you're only allowed to in in these sorts of portfolios have a certain amount of alternative assets, which are your gold, your silvers, and certain infrastructure funds. So we didn't wanna sort of lose out on the gold and the silver, so we're selling down some of the infrastructure you have to account for adding the gold and the silver in there and keeping up the higher rate for you.\n\nOkay? Yeah. No. It's actually working out a lot better for you. So when I kind of looked at everything with regard to the portfolio there, the CGT consequences for making these changes is only $209.\n\nSo we expect your fund to just have a tax consequence of $209 to make all these changes. It actually does bring you back in line with your growth portfolio. You were just a little bit overweighted slightly, so bringing it back more in line with where you should be, making sure not to overexpose you to risk, especially in this kind of climate we're in. And it actually reduces your, yeah, sorry. Absolutely.\n\nAbsolutely. Yeah. We're sort of looking short term at the moment. We certainly hope it doesn't last that long, but, I mean, with the war happening in one aspect but then here in Australia, we also still have high inflation rates. So we're sort of getting hit on more than one front at the moment.\n\nSo but, look, honestly, this is putting you back in line with your risk profile. It's also lower cost in investment fees. So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic. So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any underperforming investments, and it's also been performing better. So when we consider the portfolio you were invested, the one we are recommending, when we look at the last of the three years, we have to use a three year rolling average for this because the bank hybrids haven't been around long enough to give us five years.\n\nBut when we compare the two different funds, your previous portfolio has averaged about 14.2 over the past three years. The newer portfolio, which is being recommended, can average or has averaged about 18.43%. So it has had a greater average return over the past couple of years, which can put you in a better position depending on markets and how they react to obtain greater growth down the track there as well. So it's just another benefit for being able to make these changes. While the portfolios do and have seen greater past performances, it's important to know I don't expect you're gonna get 18% every year over the next sort of five to ten years.\n\nBut if Martha's react the way, you know, they have in the past, if you do happen to get, you know, close to that kind of return, we do have a projection that shows where you could end up, and we could see you over the next ten years end up with a bit over $500,000. Okay? Yeah. All good. All in all, it's making the changes that you were after, rebalancing the portfolio back, adding in some more of those commodities, which is really important, removing the under underperforming investment option, and making sure to get rid of the the bank hybrids as well, which is also gonna be phased out for you.\n\nSo it works really well in your favor. It's in best interest for you. It saves you on fees, and the fees also out better the saving on fees is bigger, sorry, than the CGT consequence your fund would have to deal with as well. And it's performed better in the past as well, so it's kind of a a win win scenario with that one for you. Okay?\n\nAll good? Absolutely. That's exactly right. Your ongoing service fee is linked to us, so we wanted to definitely do well. And in this time, so there is a bit of uncertainty and a bit of volatility out there.\n\nWe know that the markets are expecting a bit of a downturn, so we also know that our fee is gonna take a bit of a dip there with it. And that's really important that we're following along with what's happening in the market. Yeah. Yeah. Yeah.\n\nWell, we we we were able to catch up with some of the economists yesterday when we did a bit of a meeting with a BlackRock investment team, and they've sort of made mention that they're seeing whilst the you know, no one hopes the war is gonna go on for a long time, but there is that expectation that it may not be an you know, a one or two month sort of thing. It may go on a bit longer. That the other side of it, they're expecting quite high inflation. So we just have to sort of wait and see. But with the oil prices the way they are, even with the, you know, even with the excise being reduced, oil is still quite high.\n\nAnd if oil continues to get higher in prices per barrel, we're gonna see that excise have less of an effect. Inflation is still technically very high. They are certainly hoping that this will change with the changes they're making to the credit card surcharges. But at the end of the day, we still have a really good job market. So people are still spending.\n\nWe have income. We have expendable income currently. So there's a few different fronts that we're facing, and it's just a matter of seeing where this is gonna go over the next few months and sort of track it along. Yeah. Absolutely.\n\nThe good thing is the investments that you are invested have seen these sorts of downturns. They've been through investment downturns like, say, the bond crashes. They've been through fixed interest downturns. They've seen, like, the the COVID downturn, the g f, things like that, and they've come out on top. So it you're in investments that have withstood those ups and downs, and they're still progressing come out.\n\nSo it is really good to make sure you are in those sorts of investments, and we would never put you in anything crazy or speculative. So yeah. Yep. Beautiful. Excellent.\n\nI will let you have a bit of a read through that. I have outlined the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well with the beneficiary nominations as we kinda went through last time. We'll just make sure those are completed and added to your super fund and your life insurance policy, noting a 100% to be passed to your partner. I have noted them as being a binding, non lapsing nomination for you as a recommendation. So a binding nomination binds the trustee to follow that direction you've made so long as the direction is made under a valid nomination.\n\nAnd then non lapsing means you only have to select the nomination once, and we don't have to rechange it until your wishes change on who you want the funds to be paid to. So I'll make sure my team help you to follow-up and get that sorted. Okay? Beautiful. That's okay.\n\nAll good. Yeah. Yeah. Absolutely. Yeah.\n\nYep. Yeah. Absolutely. Not a problem at all. Is there a certain time that we could maybe book in for the admin team to touch base and do a bit of a welcome call with her and kinda go through what we do and explain how it all works?\n\nOr yep. Did you want me to maybe touch yeah. Yes. Okay. Did you wanna book a time now, or did you wanna have a chat to her first and I maybe touch base in the next few weeks and see if we book in a time then?\n\nWhat would be more preferable? That's okay. Yeah. Absolutely. Okay.\n\nSo April 21. And so around ten was it 11AM? Yep. Perfect. Lovely.\n\nI've got one of the admin team available then. I can book it in book it in for a bit of a welcome call if that's preferable. They'll just go through how it works, what we do, how the research component goes, and then they can all organize for myself to organ to do the original research and have a chat to you about our goals and details. That works for you guys? Beautiful.\n\nAnd just so you are aware as well, at the moment, your ongoing service fee is 1.65%. If your partner does come on board, we can link everything up and actually reduces your fee to 1.1, and hers is only 1.1 as well. So I don't want that to be the only reason she signs on board, but I just wanna let you know we do have that coupling fee if if your partner does decide to come on board with us as well. Yep. Yep.\n\nPerfect. Is she working at the moment? Yeah. Perfect. Excellent.\n\nAnd do you know roughly where her super is located? If not, that's okay. Post plus. Yeah. No.\n\nNot a problem at all. Beautiful. And so so can I yep? Love Post plus. Awkward.\n\nAnd can I just grab your name for the call or for the booking as well? I'm so sorry. E l y s e. Beautiful. And, Alisa, I do just double check because you just never know that your surname is Farrah as well.\n\nIs that right? Yep. Lovely. You just never know these days. It's always worth double checking.\n\nAll good. So I've booked that one in for you for my admin team member, Madison Lisker, to give you a call on 11AM on the April 21, which is a Tuesday. She'll go through a bit of an introduction around who we are as advisers, what we do, how our process works, and then she'll organize a time for me to she'll do some research with you on all of your financial goals and things, and then she'll book in a time for myself to go through a lot more detail around what your goals are, what you're looking at, and then myself and my team will put together some financial advice for you. Is that okay? Yep.\n\nNo. That's okay. Not a problem at all. And, Elise, can I just grab your contact phone number there as well? O four zero one three seven.\n\nYep. 13. Perfect. I'll just read that back to you. It's 0401379513.\n\nPerfect. Well, thank you so much for that. I've booked that one in for my colleague, Madison Liska. She'll send out an email or sorry. Send out a confirmation text message just about an hour prior to let you know she'll be making the phone call.\n\nI've set that up automatically for you. And, yeah, like, it's lovely to meet you. I'm Dana. I'm one of the financial advisers here. And, yeah, we'll we'll look at what we can do to certainly help you and tailor some advice to meet your needs and your goals and look forward to helping you moving forward.\n\nThat's yeah. Not a problem. I hope you guys have a lovely afternoon and a great Easter. I will. Thanks so much, Ray.\n\nYeah. No. That's okay. It's only a week, but look, it's all good with Easter and the school holidays. It's very busy time for us all having small children.\n\nThat's for sure. No. All good. No. That's exactly right.\n\nThat's it. Reese, what I'll do is I'll send you an email, in a second from my direct email contact. So if you are reading through the document, at any point you find you have any questions, feel free to email me and let me know. Whilst I am away, I still do check my emails every so often, so I will endeavor to get back to you as quickly as possible, if not on my return, to answer any questions you have. And if you are comfortable just to proceed with the advice, I'll get you to sign and return it back for me straight away.\n\nOkay? Beautiful. Lovely. Thank you so much. Have a great holiday have a great your school holidays for the kids, and enjoy your Easter.\n\nI hope it's lovely for you all. Thanks so much. I'll talk to you both soon. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Reese.","start":1.76,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.1936928629875183},{"text":"How are you?","start":2.3999999,"end":3.3,"sentiment":"neutral","sentiment_score":0.3091610372066498},{"text":"I'm very well.","start":4.56,"end":5.52,"sentiment":"positive","sentiment_score":0.7116929690043131},{"text":"Thank you.","start":5.52,"end":5.92,"sentiment":"positive","sentiment_score":0.747341513633728},{"text":"Is now a better time there for you?","start":5.92,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3603623132221401}],"sentiment":"positive","sentiment_score":0.4348627376473612,"num_words":18,"start":1.76,"end":7.9199996},{"sentences":[{"text":"Yeah.","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":-0.057285476475954056},{"text":"That's absolutely okay.","start":14.335,"end":15.695,"sentiment":"neutral","sentiment_score":0.31136112411816913},{"text":"It's not a problem at all.","start":15.695,"end":17.135,"sentiment":"neutral","sentiment_score":0.3191480040550232},{"text":"I know you are with the kids, so I'll try not to take up too much of your time there.","start":17.135,"end":20.175,"sentiment":"neutral","sentiment_score":0.05937355887144804},{"text":"But if you do need me to stop or pause, please let me know.","start":20.175,"end":23.135,"sentiment":"neutral","sentiment_score":0.009856321715882846}],"sentiment":"neutral","sentiment_score":0.09357149094681848,"num_words":44,"start":7.9199996,"end":23.135},{"sentences":[{"text":"Okay?","start":23.135,"end":23.635,"sentiment":"neutral","sentiment_score":0.1604834645986557},{"text":"All good.","start":25.22,"end":26.02,"sentiment":"positive","sentiment_score":0.4014241695404053},{"text":"Now I have emailed the document through to you as well.","start":26.02,"end":28.5,"sentiment":"neutral","sentiment_score":0.18147513947703622},{"text":"Do you have access to that in at the moment, or did you want me just to go through it all and then I can you can have a bit of a range for it later?","start":28.5,"end":34.9,"sentiment":"neutral","sentiment_score":0.07424772572186258},{"text":"What's your preference there?","start":34.9,"end":36.36,"sentiment":"neutral","sentiment_score":0.025098830461502075}],"sentiment":"neutral","sentiment_score":0.10616429232888752,"num_words":54,"start":23.135,"end":36.36},{"sentences":[{"text":"Yep.","start":37.635,"end":38.135,"sentiment":"neutral","sentiment_score":0.08159483969211578},{"text":"That's absolutely fine.","start":39.555,"end":40.915,"sentiment":"positive","sentiment_score":0.43916701277097064},{"text":"It's not a problem at all.","start":40.915,"end":42.454998,"sentiment":"positive","sentiment_score":0.3734143575032552},{"text":"Now with this one here on the front of the document, just to hit those points that I have to make sure I touch for you, the document has been prepared for yourself as of yesterday's date there.","start":42.595,"end":51.84,"sentiment":"neutral","sentiment_score":0.08486774769660674},{"text":"The document has been prepared by myself and my lovely team here at OQ Financial.","start":52.56,"end":56.18,"sentiment":"neutral","sentiment_score":0.17115668306748072}],"sentiment":"neutral","sentiment_score":0.14971280446837817,"num_words":63,"start":37.635,"end":56.18},{"sentences":[{"text":"I am a full licensed adviser, so my registration number with ASIC is 1304394.","start":56.24,"end":61.86,"sentiment":"neutral","sentiment_score":0.10969779906528336},{"text":"In the front of the document, we do outline the scoping to areas that we are touching on with regards to the advice.","start":62.16,"end":67.174995,"sentiment":"neutral","sentiment_score":0.08607303351163864},{"text":"We've got the superannuation, looking at making some investments which is there for you, and then also the estate planning.","start":67.174995,"end":73.09499,"sentiment":"neutral","sentiment_score":0.130759097635746},{"text":"So one of the things is making sure your beneficiary nominations are in line and nominated to your partner in the event you would have passed away.","start":73.09499,"end":79.755,"sentiment":"neutral","sentiment_score":0.13555369553742586},{"text":"Okay?","start":79.814995,"end":80.314995,"sentiment":"neutral","sentiment_score":0.08425568044185638}],"sentiment":"neutral","sentiment_score":0.11617454553351683,"num_words":85,"start":56.24,"end":80.314995},{"sentences":[{"text":"We do also have your updated super details.","start":82.04,"end":84.520004,"sentiment":"neutral","sentiment_score":0.13512814417481422},{"text":"The current insurance policy that you do hold noted in there, we're not touching on insurances at the moment.","start":84.520004,"end":89.4,"sentiment":"neutral","sentiment_score":0.030980367997759266},{"text":"It has only been scoped into a limited basis there because it does have an effect on your overall retirement income.","start":89.4,"end":95.340004,"sentiment":"neutral","sentiment_score":0.026975016331388837},{"text":"Your insurance premiums are paid out of super, so it is included in the projection table in there, which you'll be able to have a look at as well.","start":95.895,"end":103.115,"sentiment":"neutral","sentiment_score":0.073294288382448},{"text":"Okay?","start":103.174995,"end":103.674995,"sentiment":"neutral","sentiment_score":0.158973827958107}],"sentiment":"neutral","sentiment_score":0.05795686768415647,"num_words":78,"start":82.04,"end":103.674995},{"sentences":[{"text":"Excellent.","start":105.655,"end":106.155,"sentiment":"positive","sentiment_score":0.7160818576812744},{"text":"The also, do you have all of your assets and liabilities noted as per our last conversation.","start":107.095,"end":111.19,"sentiment":"neutral","sentiment_score":0.14684591420433102},{"text":"When you do review that one later, if you do find there's any changes that you wanna make to those, absolutely fine.","start":111.25,"end":116.21,"sentiment":"neutral","sentiment_score":0.13231768594546753},{"text":"Please let us know.","start":116.21,"end":117.17,"sentiment":"neutral","sentiment_score":0.16724541783332825},{"text":"We can have that updated for you.","start":117.17,"end":119.19,"sentiment":"neutral","sentiment_score":0.19138558208942413}],"sentiment":"neutral","sentiment_score":0.15945357325322487,"num_words":51,"start":105.655,"end":119.19},{"sentences":[{"text":"The assets and liabilities have no effect on the on the advice document at all so far, which is a good thing.","start":119.41,"end":124.965004,"sentiment":"neutral","sentiment_score":0.20720640908588062},{"text":"Okay.","start":124.965004,"end":125.465004,"sentiment":"neutral","sentiment_score":0.20949257910251615},{"text":"Perfect.","start":127.045,"end":127.545,"sentiment":"positive","sentiment_score":0.6217368841171265},{"text":"So, essentially, what we are looking at with regard to the super debt is making sure that you are invested in line with your risk profile as well as making those changes.","start":127.925,"end":135.305,"sentiment":"neutral","sentiment_score":0.1776754402089864},{"text":"You may have mentioned that you wanted to see some extra, maybe a bit of gold and or silver in your portfolio.","start":135.525,"end":140.59999,"sentiment":"neutral","sentiment_score":0.11967423388903792}],"sentiment":"neutral","sentiment_score":0.17574638070968482,"num_words":78,"start":119.41,"end":140.59999},{"sentences":[{"text":"We did already have physical gold.","start":140.59999,"end":142.04,"sentiment":"neutral","sentiment_score":0.1067413700123628},{"text":"So we're looking at adding some silver in there to give you a a bit more diversification, looking at growth investments that have got potential for long term credit growth, but also can act defensively at certain times for you, which isn't a bad thing given the current climate we're in at the moment.","start":142.04,"end":156.505,"sentiment":"neutral","sentiment_score":0.17265647215147814},{"text":"We are looking at switching out the bank hybrids there.","start":158.405,"end":161.465,"sentiment":"neutral","sentiment_score":0.005050958134233952},{"text":"Bank hybrids, as we discussed last time, are about to be phased out by the government, so we are just switching those out while we are making the changes now.","start":161.525,"end":168.81,"sentiment":"neutral","sentiment_score":0.02096022292971611},{"text":"We are also removing any underperforming investments that have been along Australian Equities, which is the one we discussed, has been underperforming, was more of an actively managed component in your super there, but they have had some problems and are no longer a valuable asset to hold at this point in time.","start":169.11,"end":183.78499,"sentiment":"neutral","sentiment_score":-0.11667593621279833}],"sentiment":"neutral","sentiment_score":0.029146335726859523,"num_words":153,"start":140.59999,"end":183.78499},{"sentences":[{"text":"So what we're gonna do in order to replace the Ben along Australian Equities and make sure you still have access to the Australian Equities portion of your portfolio, because it is still a good place to hold, we are gonna look at the beta shares a 200.","start":184.08499,"end":196.22,"sentiment":"neutral","sentiment_score":0.05905229217993716},{"text":"This is more passively managed.","start":196.22,"end":197.81999,"sentiment":"neutral","sentiment_score":0.114056695997715},{"text":"It's actually cheaper, and it's gonna be it's still giving you access to the top 200 companies on the ASX, so it is tracking the top 200 companies there.","start":197.81999,"end":207.135,"sentiment":"neutral","sentiment_score":0.16827155842349448},{"text":"One of the good things about this investment is that it does track an industry.","start":207.295,"end":210.995,"sentiment":"positive","sentiment_score":0.5224730253219605},{"text":"So, essentially, if the the maker of the industry actually meets every quarter and if, say, a company doesn't fit the criteria to be in the top 200, they are removed out of that.","start":211.45499,"end":221.56,"sentiment":"neutral","sentiment_score":0.02767050134785035}],"sentiment":"neutral","sentiment_score":0.13024855820277265,"num_words":131,"start":184.08499,"end":221.56},{"sentences":[{"text":"And so as a passively managed fund tends to track the industry as well, they do remove those out of the investments.","start":221.56,"end":228.2,"sentiment":"neutral","sentiment_score":0.09379011172462594},{"text":"So you are always tracking the top 200 companies in Australia, which makes it more valuable for your portfolio.","start":228.2,"end":233.81999,"sentiment":"positive","sentiment_score":0.6013414420579609},{"text":"And it's also cheaper than holding Ben along, so it's gonna work out better for you long term as well.","start":234.165,"end":239.22499,"sentiment":"positive","sentiment_score":0.6399799227714539},{"text":"Okay?","start":239.28499,"end":239.78499,"sentiment":"positive","sentiment_score":0.356516033411026},{"text":"So we're removing the bank hybrids.","start":241.92499,"end":243.605,"sentiment":"neutral","sentiment_score":0.06204700811455647}],"sentiment":"positive","sentiment_score":0.39731274109662457,"num_words":68,"start":221.56,"end":243.605},{"sentences":[{"text":"We're moving all of the Ben along there for you as well.","start":243.605,"end":246.265,"sentiment":"neutral","sentiment_score":0.2091119463245074},{"text":"We are just rebalancing the S and P 500.","start":246.405,"end":249.045,"sentiment":"neutral","sentiment_score":0.026082384089628857},{"text":"You're a bit overweighted in there at the moment.","start":249.045,"end":251.02,"sentiment":"neutral","sentiment_score":-0.19535552461942038},{"text":"We wanna bring that back a little bit, especially given what we're, you know, facing at the moment there.","start":251.02,"end":256.54,"sentiment":"neutral","sentiment_score":-0.0891758638777231},{"text":"We don't wanna be overweight and taking on too much risk.","start":256.54,"end":259.34,"sentiment":"neutral","sentiment_score":-0.24795063720508057}],"sentiment":"neutral","sentiment_score":-0.05726522219677766,"num_words":60,"start":243.605,"end":259.34},{"sentences":[{"text":"You wanna be within your risk profile, but not over reweighting and reducing some of the S and P 500 down to 24% for you.","start":259.34,"end":268.745,"sentiment":"neutral","sentiment_score":0.10906612545251847},{"text":"We're keeping all of the the cybersecurity.","start":269.125,"end":270.905,"sentiment":"neutral","sentiment_score":0.28052225708961487},{"text":"It is the great area to hold.","start":271.28497,"end":273.06497,"sentiment":"positive","sentiment_score":0.3819662034511566},{"text":"Physical gold, you're still gonna hold that.","start":273.44498,"end":275.365,"sentiment":"neutral","sentiment_score":0.11120260719742094},{"text":"We are just rebalancing it back because you're a bit overweighted there at the moment.","start":275.365,"end":279.18,"sentiment":"neutral","sentiment_score":0.04453947097063064}],"sentiment":"neutral","sentiment_score":0.144435781558029,"num_words":61,"start":259.34,"end":279.18},{"sentences":[{"text":"So we'll bring that back and realign it to the 10% you should have, and then we're adding some physical silver in there as well at about 5%.","start":279.56,"end":286.54,"sentiment":"neutral","sentiment_score":0.18360854738524982},{"text":"I have put less in there than you do physical gold because physical gold tends to get greater returns, but it's more defensive in nature.","start":286.76,"end":294.08502,"sentiment":"neutral","sentiment_score":0.07497004628181457},{"text":"Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold.","start":294.625,"end":301.185,"sentiment":"neutral","sentiment_score":0.17578938841819763},{"text":"So you are gonna hold a bit of gold and a bit of silver.","start":301.185,"end":303.84,"sentiment":"neutral","sentiment_score":0.25470855299915585},{"text":"About 10% of gold and 5% of silver is gonna be added in there for you as well.","start":303.91998,"end":308.34,"sentiment":"neutral","sentiment_score":0.2725832950737741}],"sentiment":"neutral","sentiment_score":0.18074949316003106,"num_words":110,"start":279.56,"end":308.34},{"sentences":[{"text":"We've also got so as I mentioned, we've got the the a 200 being added in there for you instead of Bennelong, which we are completely removing.","start":309.6,"end":317.06,"sentiment":"neutral","sentiment_score":-0.002771737640378652},{"text":"And then we're also just gonna rebalance.","start":317.31497,"end":319.25497,"sentiment":"neutral","sentiment_score":0.0024482605180570056},{"text":"We had to sell down some of the ClearBridge infrastructure.","start":319.31497,"end":321.735,"sentiment":"neutral","sentiment_score":-0.06165679488331079},{"text":"So in order you're only allowed to in in these sorts of portfolios have a certain amount of alternative assets, which are your gold, your silvers, and certain infrastructure funds.","start":321.875,"end":331.97498,"sentiment":"neutral","sentiment_score":0.02324582329019904},{"text":"So we didn't wanna sort of lose out on the gold and the silver, so we're selling down some of the infrastructure you have to account for adding the gold and the silver in there and keeping up the higher rate for you.","start":332.29,"end":343.01,"sentiment":"neutral","sentiment_score":0.054110263062770975}],"sentiment":"neutral","sentiment_score":0.02008417922143753,"num_words":117,"start":309.6,"end":343.01},{"sentences":[{"text":"Okay?","start":343.01,"end":343.51,"sentiment":"neutral","sentiment_score":0.04204429313540459},{"text":"Yeah.","start":344.805,"end":345.305,"sentiment":"neutral","sentiment_score":0.014883814379572868},{"text":"No.","start":351.125,"end":351.445,"sentiment":"neutral","sentiment_score":-0.10325738787651062},{"text":"It's actually working out a lot better for you.","start":351.445,"end":353.525,"sentiment":"neutral","sentiment_score":0.250626352098253},{"text":"So when I kind of looked at everything with regard to the portfolio there, the CGT consequences for making these changes is only $209.","start":353.525,"end":362.64,"sentiment":"neutral","sentiment_score":0.1229758186576267}],"sentiment":"neutral","sentiment_score":0.1433535426751607,"num_words":36,"start":343.01,"end":362.64},{"sentences":[{"text":"So we expect your fund to just have a tax consequence of $209 to make all these changes.","start":362.64,"end":368.42,"sentiment":"neutral","sentiment_score":0.24179782138930428},{"text":"It actually does bring you back in line with your growth portfolio.","start":368.64,"end":371.505,"sentiment":"positive","sentiment_score":0.5528126110633215},{"text":"You were just a little bit overweighted slightly, so bringing it back more in line with where you should be, making sure not to overexpose you to risk, especially in this kind of climate we're in.","start":371.505,"end":381.76498,"sentiment":"neutral","sentiment_score":0.1659914083364937},{"text":"And it actually reduces your, yeah, sorry.","start":381.905,"end":386.88,"sentiment":"neutral","sentiment_score":0.052615893738610406},{"text":"Absolutely.","start":394.7,"end":395.2,"sentiment":"neutral","sentiment_score":-0.14469796419143677}],"sentiment":"neutral","sentiment_score":0.23223535283594518,"num_words":74,"start":362.64,"end":395.2},{"sentences":[{"text":"Absolutely.","start":397.035,"end":397.535,"sentiment":"neutral","sentiment_score":-0.017660344019532204},{"text":"Yeah.","start":397.835,"end":398.155,"sentiment":"neutral","sentiment_score":-0.02520150691270828},{"text":"We're sort of looking short term at the moment.","start":398.155,"end":399.995,"sentiment":"neutral","sentiment_score":-0.02302537113428116},{"text":"We certainly hope it doesn't last that long, but, I mean, with the war happening in one aspect but then here in Australia, we also still have high inflation rates.","start":399.995,"end":408.235,"sentiment":"neutral","sentiment_score":-0.08640141350527604},{"text":"So we're sort of getting hit on more than one front at the moment.","start":408.235,"end":411.33002,"sentiment":"neutral","sentiment_score":-0.12427100911736488}],"sentiment":"neutral","sentiment_score":-0.08330775861713019,"num_words":55,"start":397.035,"end":411.33002},{"sentences":[{"text":"So but, look, honestly, this is putting you back in line with your risk profile.","start":411.33002,"end":415.75,"sentiment":"neutral","sentiment_score":0.3156909505526225},{"text":"It's also lower cost in investment fees.","start":415.97,"end":418.05,"sentiment":"positive","sentiment_score":0.3470405318907329},{"text":"So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic.","start":418.05,"end":425.575,"sentiment":"positive","sentiment_score":0.498489457827348},{"text":"So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any underperforming investments, and it's also been performing better.","start":425.875,"end":440.05,"sentiment":"positive","sentiment_score":0.5038934651762247},{"text":"So when we consider the portfolio you were invested, the one we are recommending, when we look at the last of the three years, we have to use a three year rolling average for this because the bank hybrids haven't been around long enough to give us five years.","start":440.19,"end":452.14502,"sentiment":"neutral","sentiment_score":0.07572840207389422}],"sentiment":"neutral","sentiment_score":0.32110805980806806,"num_words":137,"start":411.33002,"end":452.14502},{"sentences":[{"text":"But when we compare the two different funds, your previous portfolio has averaged about 14.2 over the past three years.","start":452.525,"end":460.305,"sentiment":"neutral","sentiment_score":0.0595113318413496},{"text":"The newer portfolio, which is being recommended, can average or has averaged about 18.43%.","start":460.4,"end":466.16,"sentiment":"neutral","sentiment_score":0.16976372791188105},{"text":"So it has had a greater average return over the past couple of years, which can put you in a better position depending on markets and how they react to obtain greater growth down the track there as well.","start":466.16,"end":477.095,"sentiment":"positive","sentiment_score":0.38977945920748586},{"text":"So it's just another benefit for being able to make these changes.","start":477.095,"end":481.27502,"sentiment":"positive","sentiment_score":0.48450036346912384},{"text":"While the portfolios do and have seen greater past performances, it's important to know I don't expect you're gonna get 18% every year over the next sort of five to ten years.","start":481.975,"end":491.2,"sentiment":"neutral","sentiment_score":0.03252340306062251}],"sentiment":"neutral","sentiment_score":0.21900060680559558,"num_words":117,"start":452.525,"end":491.2},{"sentences":[{"text":"But if Martha's react the way, you know, they have in the past, if you do happen to get, you know, close to that kind of return, we do have a projection that shows where you could end up, and we could see you over the next ten years end up with a bit over $500,000.","start":491.26,"end":505.335,"sentiment":"neutral","sentiment_score":0.10290658081482564},{"text":"Okay?","start":505.655,"end":506.155,"sentiment":"neutral","sentiment_score":0.1702096313238144},{"text":"Yeah.","start":508.535,"end":509.035,"sentiment":"neutral","sentiment_score":0.33321571350097656},{"text":"All good.","start":509.095,"end":509.835,"sentiment":"positive","sentiment_score":0.458085298538208},{"text":"All in all, it's making the changes that you were after, rebalancing the portfolio back, adding in some more of those commodities, which is really important, removing the under underperforming investment option, and making sure to get rid of the the bank hybrids as well, which is also gonna be phased out for you.","start":510.13498,"end":525.02997,"sentiment":"neutral","sentiment_score":0.16842734958562586}],"sentiment":"neutral","sentiment_score":0.14278457320311613,"num_words":114,"start":491.26,"end":525.02997},{"sentences":[{"text":"So it works really well in your favor.","start":525.02997,"end":526.87,"sentiment":"positive","sentiment_score":0.5382320247590542},{"text":"It's in best interest for you.","start":526.87,"end":528.64996,"sentiment":"positive","sentiment_score":0.34156533268590766},{"text":"It saves you on fees, and the fees also out better the saving on fees is bigger, sorry, than the CGT consequence your fund would have to deal with as well.","start":528.79,"end":538.875,"sentiment":"positive","sentiment_score":0.382683290348899},{"text":"And it's performed better in the past as well, so it's kind of a a win win scenario with that one for you.","start":538.875,"end":544.155,"sentiment":"positive","sentiment_score":0.5635736610578455},{"text":"Okay?","start":544.155,"end":544.655,"sentiment":"neutral","sentiment_score":0.2779775857925415}],"sentiment":"positive","sentiment_score":0.45592176790038746,"num_words":69,"start":525.02997,"end":544.655},{"sentences":[{"text":"All good?","start":546.55,"end":547.37,"sentiment":"positive","sentiment_score":0.4388858377933502},{"text":"Absolutely.","start":551.35004,"end":551.85004,"sentiment":"positive","sentiment_score":0.3787011206150055},{"text":"That's exactly right.","start":551.99,"end":553.03,"sentiment":"positive","sentiment_score":0.40515085061391193},{"text":"Your ongoing service fee is linked to us, so we wanted to definitely do well.","start":553.03,"end":556.47003,"sentiment":"positive","sentiment_score":0.4206352233886719},{"text":"And in this time, so there is a bit of uncertainty and a bit of volatility out there.","start":556.47003,"end":560.445,"sentiment":"neutral","sentiment_score":-0.08739494408170383}],"sentiment":"neutral","sentiment_score":0.18482935142058593,"num_words":39,"start":546.55,"end":560.445},{"sentences":[{"text":"We know that the markets are expecting a bit of a downturn, so we also know that our fee is gonna take a bit of a dip there with it.","start":560.445,"end":566.28503,"sentiment":"neutral","sentiment_score":-0.11976385476688543},{"text":"And that's really important that we're following along with what's happening in the market.","start":566.28503,"end":570.22504,"sentiment":"neutral","sentiment_score":-0.041397914689566405},{"text":"Yeah.","start":570.445,"end":570.945,"sentiment":"neutral","sentiment_score":-0.06039158254861832},{"text":"Yeah.","start":577.5,"end":578.0,"sentiment":"neutral","sentiment_score":-0.06663994491100311},{"text":"Yeah.","start":578.38,"end":578.88,"sentiment":"neutral","sentiment_score":-0.022567003965377808}],"sentiment":"neutral","sentiment_score":-0.09195925489543601,"num_words":47,"start":560.445,"end":578.88},{"sentences":[{"text":"Well, we we we were able to catch up with some of the economists yesterday when we did a bit of a meeting with a BlackRock investment team, and they've sort of made mention that they're seeing whilst the you know, no one hopes the war is gonna go on for a long time, but there is that expectation that it may not be an you know, a one or two month sort of thing.","start":579.66003,"end":598.215,"sentiment":"neutral","sentiment_score":-0.05605446337877462},{"text":"It may go on a bit longer.","start":598.215,"end":599.59503,"sentiment":"neutral","sentiment_score":-0.13571723869868688},{"text":"That the other side of it, they're expecting quite high inflation.","start":600.44,"end":603.74,"sentiment":"neutral","sentiment_score":-0.10839128291065042},{"text":"So we just have to sort of wait and see.","start":604.12,"end":606.28,"sentiment":"neutral","sentiment_score":-0.10791060253977776},{"text":"But with the oil prices the way they are, even with the, you know, even with the excise being reduced, oil is still quite high.","start":606.28,"end":613.98,"sentiment":"neutral","sentiment_score":-0.14949067384004594}],"sentiment":"neutral","sentiment_score":-0.08720923756027332,"num_words":128,"start":579.66003,"end":613.98},{"sentences":[{"text":"And if oil continues to get higher in prices per barrel, we're gonna see that excise have less of an effect.","start":614.12,"end":620.305,"sentiment":"neutral","sentiment_score":-0.11793026540960584},{"text":"Inflation is still technically very high.","start":620.92505,"end":623.025,"sentiment":"neutral","sentiment_score":-0.16469225784142813},{"text":"They are certainly hoping that this will change with the changes they're making to the credit card surcharges.","start":623.405,"end":629.34503,"sentiment":"neutral","sentiment_score":-0.07199337964670526},{"text":"But at the end of the day, we still have a really good job market.","start":630.26996,"end":632.91,"sentiment":"neutral","sentiment_score":0.23160280485947926},{"text":"So people are still spending.","start":632.91,"end":634.26996,"sentiment":"neutral","sentiment_score":0.1558162420988083}],"sentiment":"neutral","sentiment_score":-0.007806871860073163,"num_words":65,"start":614.12,"end":634.26996},{"sentences":[{"text":"We have income.","start":634.26996,"end":634.99,"sentiment":"neutral","sentiment_score":0.003589082509279251},{"text":"We have expendable income currently.","start":634.99,"end":636.85,"sentiment":"neutral","sentiment_score":0.0021483504213392736},{"text":"So there's a few different fronts that we're facing, and it's just a matter of seeing where this is gonna go over the next few months and sort of track it along.","start":636.99,"end":644.61,"sentiment":"neutral","sentiment_score":0.020699850323580904},{"text":"Yeah.","start":645.015,"end":645.515,"sentiment":"neutral","sentiment_score":0.0762622058391571},{"text":"Absolutely.","start":649.97504,"end":650.47504,"sentiment":"positive","sentiment_score":0.40959590673446655}],"sentiment":"neutral","sentiment_score":0.027851483870541587,"num_words":42,"start":634.26996,"end":650.47504},{"sentences":[{"text":"The good thing is the investments that you are invested have seen these sorts of downturns.","start":650.85504,"end":655.03503,"sentiment":"neutral","sentiment_score":0.1898499415256083},{"text":"They've been through investment downturns like, say, the bond crashes.","start":655.09503,"end":658.58997,"sentiment":"neutral","sentiment_score":0.026247446704655886},{"text":"They've been through fixed interest downturns.","start":658.58997,"end":660.73,"sentiment":"neutral","sentiment_score":0.034202140445510544},{"text":"They've seen, like, the the COVID downturn, the g f, things like that, and they've come out on top.","start":660.79,"end":666.39,"sentiment":"neutral","sentiment_score":0.16802501090263067},{"text":"So it you're in investments that have withstood those ups and downs, and they're still progressing come out.","start":666.39,"end":672.14996,"sentiment":"neutral","sentiment_score":0.19218464526865217}],"sentiment":"neutral","sentiment_score":0.1472041332770301,"num_words":69,"start":650.85504,"end":672.14996},{"sentences":[{"text":"So it is really good to make sure you are in those sorts of investments, and we would never put you in anything crazy or speculative.","start":672.14996,"end":677.985,"sentiment":"neutral","sentiment_score":0.15993552110516107},{"text":"So yeah.","start":678.285,"end":679.265,"sentiment":"neutral","sentiment_score":0.120023213326931},{"text":"Yep.","start":679.325,"end":679.825,"sentiment":"neutral","sentiment_score":0.19535112380981445},{"text":"Beautiful.","start":681.40497,"end":681.90497,"sentiment":"positive","sentiment_score":0.44188034534454346},{"text":"Excellent.","start":682.52496,"end":683.02496,"sentiment":"positive","sentiment_score":0.4868014454841614}],"sentiment":"neutral","sentiment_score":0.1781420287105345,"num_words":31,"start":672.14996,"end":683.02496},{"sentences":[{"text":"I will let you have a bit of a read through that.","start":683.485,"end":685.40497,"sentiment":"neutral","sentiment_score":0.1896581488351027},{"text":"I have outlined the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well with the beneficiary nominations as we kinda went through last time.","start":685.40497,"end":695.2,"sentiment":"neutral","sentiment_score":0.0910124382270234},{"text":"We'll just make sure those are completed and added to your super fund and your life insurance policy, noting a 100% to be passed to your partner.","start":695.34,"end":703.28,"sentiment":"neutral","sentiment_score":0.14316990474859873},{"text":"I have noted them as being a binding, non lapsing nomination for you as a recommendation.","start":703.935,"end":708.275,"sentiment":"neutral","sentiment_score":0.10827277833595872},{"text":"So a binding nomination binds the trustee to follow that direction you've made so long as the direction is made under a valid nomination.","start":708.575,"end":715.635,"sentiment":"neutral","sentiment_score":0.12165161967277527}],"sentiment":"neutral","sentiment_score":0.12469006364590654,"num_words":107,"start":683.485,"end":715.635},{"sentences":[{"text":"And then non lapsing means you only have to select the nomination once, and we don't have to rechange it until your wishes change on who you want the funds to be paid to.","start":716.35004,"end":726.11,"sentiment":"neutral","sentiment_score":0.09386046975851059},{"text":"So I'll make sure my team help you to follow-up and get that sorted.","start":726.11,"end":730.05,"sentiment":"neutral","sentiment_score":0.11310899843062673},{"text":"Okay?","start":730.19,"end":730.69,"sentiment":"neutral","sentiment_score":0.10570911318063736},{"text":"Beautiful.","start":732.565,"end":733.065,"sentiment":"positive","sentiment_score":0.3960763812065125},{"text":"That's okay.","start":734.16504,"end":734.98505,"sentiment":"neutral","sentiment_score":0.23826440423727036}],"sentiment":"neutral","sentiment_score":0.11063646639768894,"num_words":52,"start":716.35004,"end":734.98505},{"sentences":[{"text":"All good.","start":735.445,"end":736.265,"sentiment":"neutral","sentiment_score":0.23958058655261993},{"text":"Yeah.","start":741.525,"end":742.025,"sentiment":"neutral","sentiment_score":0.09234156459569932},{"text":"Yeah.","start":744.66,"end":745.16,"sentiment":"positive","sentiment_score":0.6327219009399414},{"text":"Absolutely.","start":746.98,"end":747.48,"sentiment":"positive","sentiment_score":0.5177096128463745},{"text":"Yeah.","start":748.81995,"end":749.31995,"sentiment":"neutral","sentiment_score":0.05860283970832825}],"sentiment":"neutral","sentiment_score":0.29675618186593056,"num_words":6,"start":735.445,"end":749.31995},{"sentences":[{"text":"Yep.","start":753.77997,"end":754.27997,"sentiment":"neutral","sentiment_score":0.15679675340652466},{"text":"Yeah.","start":759.635,"end":760.035,"sentiment":"neutral","sentiment_score":0.12440010905265808},{"text":"Absolutely.","start":760.035,"end":760.535,"sentiment":"neutral","sentiment_score":0.19928207993507385},{"text":"Not a problem at all.","start":760.995,"end":762.035,"sentiment":"neutral","sentiment_score":0.21288102269172668},{"text":"Is there a certain time that we could maybe book in for the admin team to touch base and do a bit of a welcome call with her and kinda go through what we do and explain how it all works?","start":762.035,"end":771.21,"sentiment":"neutral","sentiment_score":0.14984560467121077}],"sentiment":"neutral","sentiment_score":0.15690926219127616,"num_words":49,"start":753.77997,"end":771.21},{"sentences":[{"text":"Or yep.","start":777.53,"end":778.01,"sentiment":"neutral","sentiment_score":0.017613835632801056},{"text":"Did you want me to maybe touch yeah.","start":778.01,"end":780.41003,"sentiment":"neutral","sentiment_score":0.006348386639729142},{"text":"Yes.","start":780.41003,"end":780.73004,"sentiment":"neutral","sentiment_score":0.05359709262847901},{"text":"Okay.","start":780.73004,"end":780.97003,"sentiment":"neutral","sentiment_score":0.05186672881245613},{"text":"Did you wanna book a time now, or did you wanna have a chat to her first and I maybe touch base in the next few weeks and see if we book in a time then?","start":780.97003,"end":787.445,"sentiment":"neutral","sentiment_score":0.05193210946809915}],"sentiment":"neutral","sentiment_score":0.04293821930574874,"num_words":48,"start":777.53,"end":787.445},{"sentences":[{"text":"What would be more preferable?","start":787.445,"end":788.745,"sentiment":"neutral","sentiment_score":0.000058026239275931964},{"text":"That's okay.","start":793.845,"end":794.665,"sentiment":"neutral","sentiment_score":0.046929650008678436},{"text":"Yeah.","start":803.06,"end":803.46,"sentiment":"neutral","sentiment_score":0.05694141238927841},{"text":"Absolutely.","start":803.46,"end":803.96,"sentiment":"neutral","sentiment_score":0.07246621698141098},{"text":"Okay.","start":804.66,"end":805.14,"sentiment":"neutral","sentiment_score":0.04026235640048981}],"sentiment":"neutral","sentiment_score":0.026381941698491573,"num_words":10,"start":787.445,"end":805.14},{"sentences":[{"text":"So April 21.","start":805.14,"end":807.0,"sentiment":"neutral","sentiment_score":0.030485771596431732},{"text":"And so around ten was it 11AM?","start":809.14,"end":811.8,"sentiment":"neutral","sentiment_score":0.022519695439508984},{"text":"Yep.","start":813.375,"end":813.855,"sentiment":"neutral","sentiment_score":0.12558938562870026},{"text":"Perfect.","start":813.855,"end":814.355,"sentiment":"positive","sentiment_score":0.43945276737213135},{"text":"Lovely.","start":814.575,"end":815.075,"sentiment":"positive","sentiment_score":0.5372779369354248}],"sentiment":"neutral","sentiment_score":0.10395502098477803,"num_words":13,"start":805.14,"end":815.075},{"sentences":[{"text":"I've got one of the admin team available then.","start":815.295,"end":817.535,"sentiment":"neutral","sentiment_score":0.31342584391434986},{"text":"I can book it in book it in for a bit of a welcome call if that's preferable.","start":817.535,"end":820.575,"sentiment":"neutral","sentiment_score":0.259577257765664},{"text":"They'll just go through how it works, what we do, how the research component goes, and then they can all organize for myself to organ to do the original research and have a chat to you about our goals and details.","start":820.575,"end":831.38,"sentiment":"neutral","sentiment_score":0.20626036786451574},{"text":"That works for you guys?","start":831.38,"end":832.60004,"sentiment":"neutral","sentiment_score":0.1576797142624855},{"text":"Beautiful.","start":834.74005,"end":835.14,"sentiment":"positive","sentiment_score":0.4765039086341858}],"sentiment":"neutral","sentiment_score":0.23263244320814674,"num_words":74,"start":815.295,"end":835.14},{"sentences":[{"text":"And just so you are aware as well, at the moment, your ongoing service fee is 1.65%.","start":835.14,"end":839.96,"sentiment":"neutral","sentiment_score":0.051699474892195535},{"text":"If your partner does come on board, we can link everything up and actually reduces your fee to 1.1, and hers is only 1.1 as well.","start":840.02,"end":848.555,"sentiment":"neutral","sentiment_score":0.11822776209849578},{"text":"So I don't want that to be the only reason she signs on board, but I just wanna let you know we do have that coupling fee if if your partner does decide to come on board with us as well.","start":848.555,"end":857.55005,"sentiment":"neutral","sentiment_score":0.07493045998782646},{"text":"Yep.","start":866.665,"end":867.165,"sentiment":"neutral","sentiment_score":-0.04912659153342247},{"text":"Yep.","start":868.665,"end":868.985,"sentiment":"neutral","sentiment_score":0.07338392734527588}],"sentiment":"neutral","sentiment_score":0.08196766375629015,"num_words":86,"start":835.14,"end":868.985},{"sentences":[{"text":"Perfect.","start":868.985,"end":869.38495,"sentiment":"positive","sentiment_score":0.4113914966583252},{"text":"Is she working at the 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maybe down. Good. Yourself? Yeah. Yeah. Yeah. Sorry. I was just in the pool, so it would have been a conversation of yelling and hoping that the reception stays in. That's alright. Just run through it, and I'll have a read through it later tonight if that works. Yeah. Lovely. Alright. Beautiful. Sounds good. Yep. Yep. Is is it better to stay with the other funds rather than go down the path of gold and silver, or is it much, much less? Yep. Yeah. Currently, with it I was just saying the current climate, the risk yeah. It it plays safe at the moment. It just seems there's a lot of uncertainties at the moment. For the next two years, at least, there'll be a lot of uncertainties. Lovely. Yes. Sounds good to me. Yep. Sounds good. Well, at the end of the day, my portfolio does well. You guys do well. So Well, yeah, that's the thing. Their markets are unsure. So there is definitely a downfall coming at some point which will affect everything. So rather yeah. I can agree that. Yeah. You just gotta ride the wave out. I hope we come out on top. That's good tonight. Sounds good. No. It sounds really good. Yep. Yep. Beautiful. Lovely. No. Appreciate the work. Yeah. As I said, as long as you if you are more than happy with it and you can see the growth in it, which is great. So the other thing, sir, I have to pay up a time for my partner to have a chat with you guys as well to try and get her super onto a better return rate. Yeah. Probably it'd be after a couple weeks after Easter, I reckon. After school holidays. After school holidays. Give me one second. I'll find out for you. Can do the April 21 around 11AM. April 21 around 11AM. 11AM. Yep. Yep. Sounds good. Oh, yeah. You're you're selling it to me with, like, a a point 5% drop on it, but, you know no. No. I had a chat with her about hers and definitely wants to pay more growth in it than what's currently happening. So yep. Host Plus? Host Plus, I think it is. Yeah. One of the it's one of the big four. It is Host Plus. That's alright. Elise, e l y s e? Yeah. At least. Yep. I am fine. Yep. Good to check. Yeah. That's perfect. Just put a note on there that if I don't answer the first time, just to give me a buzz back straight away because my phone is on work mode during the day, and it won't automatically notify me of calls. Yep. 040137 95 13. Correct. Thanks, Dana. Lovely to meet you too. You too. Same to you. Have a have a enjoy your holiday or your time off. Never get Definitely. A 100%. Definitely. There's never a doll die with both kids, is there? Alright. Yep. Yep. Beautiful. I'll have a read tonight, and I'll get back to you. I'll sign it over, hopefully, tomorrow. 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it's maybe down. Good. Yourself? Yeah. Yeah.\n\nYeah. Sorry. I was just in the pool, so it would have been a conversation of yelling and hoping that the reception stays in. That's alright. Just run through it, and I'll have a read through it later tonight if that works.\n\nYeah. Lovely. Alright. Beautiful. Sounds good.\n\nYep. Yep. Is is it better to stay with the other funds rather than go down the path of gold and silver, or is it much, much less? Yep. Yeah.\n\nCurrently, with it I was just saying the current climate, the risk yeah. It it plays safe at the moment. It just seems there's a lot of uncertainties at the moment. For the next two years, at least, there'll be a lot of uncertainties. Lovely.\n\nYes. Sounds good to me. Yep. Sounds good. Well, at the end of the day, my portfolio does well.\n\nYou guys do well. So Well, yeah, that's the thing. Their markets are unsure. So there is definitely a downfall coming at some point which will affect everything. So rather yeah.\n\nI can agree that. Yeah. You just gotta ride the wave out. I hope we come out on top. That's good tonight.\n\nSounds good. No. It sounds really good. Yep. Yep.\n\nBeautiful. Lovely. No. Appreciate the work. Yeah.\n\nAs I said, as long as you if you are more than happy with it and you can see the growth in it, which is great. So the other thing, sir, I have to pay up a time for my partner to have a chat with you guys as well to try and get her super onto a better return rate. Yeah. Probably it'd be after a couple weeks after Easter, I reckon. After school holidays.\n\nAfter school holidays. Give me one second. I'll find out for you. Can do the April 21 around 11AM. April 21 around 11AM.\n\n11AM. Yep. Yep. Sounds good. Oh, yeah.\n\nYou're you're selling it to me with, like, a a point 5% drop on it, but, you know no. No. I had a chat with her about hers and definitely wants to pay more growth in it than what's currently happening. So yep. Host Plus?\n\nHost Plus, I think it is. Yeah. One of the it's one of the big four. It is Host Plus. That's alright.\n\nElise, e l y s e? Yeah. At least. Yep. I am fine.\n\nYep. Good to check. Yeah. That's perfect. Just put a note on there that if I don't answer the first time, just to give me a buzz back straight away because my phone is on work mode during the day, and it won't automatically notify me of calls.\n\nYep. 040137 95 13. Correct. Thanks, Dana. Lovely to meet you too.\n\nYou too. Same to you. Have a have a enjoy your holiday or your time off. Never get Definitely. A 100%.\n\nDefinitely. There's never a doll die with both kids, is there? Alright. Yep. Yep.\n\nBeautiful. I'll have a read tonight, and I'll get back to you. I'll sign it over, hopefully, tomorrow. Lovely.","paragraphs":[{"sentences":[{"text":"Oh, it's maybe down.","start":0.0,"end":1.54,"sentiment":"neutral","sentiment_score":-0.08320774883031845},{"text":"Good.","start":3.52,"end":3.84,"sentiment":"positive","sentiment_score":0.6105930805206299},{"text":"Yourself?","start":3.84,"end":4.34,"sentiment":"positive","sentiment_score":0.46010178327560425},{"text":"Yeah.","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.18187427520751953},{"text":"Yeah.","start":7.3599997,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.0655301958322525}],"sentiment":"neutral","sentiment_score":0.12315854243934155,"num_words":8,"start":0.0,"end":7.7599998},{"sentences":[{"text":"Yeah.","start":7.7599998,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.001954728737473488},{"text":"Sorry.","start":7.8399997,"end":8.16,"sentiment":"neutral","sentiment_score":-0.06202085688710213},{"text":"I was just in the pool, so it would have been a conversation of yelling and hoping that the reception stays in.","start":8.16,"end":13.755,"sentiment":"neutral","sentiment_score":-0.11238535392013463},{"text":"That's alright.","start":13.755,"end":20.397501,"sentiment":"neutral","sentiment_score":0.08573762886226177},{"text":"Just run through it, and I'll have a read through it later tonight if that works.","start":35.800003,"end":39.195,"sentiment":"neutral","sentiment_score":0.08115814486518502}],"sentiment":"neutral","sentiment_score":-0.025298531876788252,"num_words":42,"start":7.7599998,"end":39.195},{"sentences":[{"text":"Yeah.","start":81.545,"end":81.93,"sentiment":"neutral","sentiment_score":0.11023982614278792},{"text":"Lovely.","start":104.465004,"end":104.965004,"sentiment":"positive","sentiment_score":0.7208481431007385},{"text":"Alright.","start":125.685,"end":125.924995,"sentiment":"neutral","sentiment_score":0.328132688999176},{"text":"Beautiful.","start":125.924995,"end":126.424995,"sentiment":"positive","sentiment_score":0.6642621755599976},{"text":"Sounds good.","start":240.92499,"end":241.745,"sentiment":"positive","sentiment_score":0.6596328616142273}],"sentiment":"positive","sentiment_score":0.5237914261718591,"num_words":6,"start":81.545,"end":241.745},{"sentences":[{"text":"Yep.","start":254.05,"end":254.55,"sentiment":"neutral","sentiment_score":-0.01101500540971756},{"text":"Yep.","start":309.31998,"end":309.81998,"sentiment":"neutral","sentiment_score":-0.02541652694344521},{"text":"Is is it better to stay with the other funds rather than go down the path of gold and silver, or is it much, much less?","start":332.05002,"end":350.945,"sentiment":"neutral","sentiment_score":-0.045480758811418824},{"text":"Yep.","start":369.41998,"end":369.915,"sentiment":"positive","sentiment_score":0.5551814436912537},{"text":"Yeah.","start":382.23502,"end":382.475,"sentiment":"neutral","sentiment_score":0.07183235138654709}],"sentiment":"neutral","sentiment_score":-0.019730582212408383,"num_words":30,"start":254.05,"end":382.475},{"sentences":[{"text":"Currently, with it I was just saying the current climate, the risk yeah.","start":382.475,"end":387.99,"sentiment":"neutral","sentiment_score":0.010796090731253991},{"text":"It it plays safe at the moment.","start":387.99,"end":389.90997,"sentiment":"neutral","sentiment_score":0.10948095843195915},{"text":"It just seems there's a lot of uncertainties at the moment.","start":389.90997,"end":393.66998,"sentiment":"neutral","sentiment_score":-0.18200653114102103},{"text":"For the next two years, at least, there'll be a lot of uncertainties.","start":393.66998,"end":396.33,"sentiment":"neutral","sentiment_score":-0.13113000616431236},{"text":"Lovely.","start":436.245,"end":436.745,"sentiment":"positive","sentiment_score":0.3655529022216797}],"sentiment":"neutral","sentiment_score":-0.054099847376346585,"num_words":45,"start":382.475,"end":436.745},{"sentences":[{"text":"Yes.","start":453.58,"end":454.08,"sentiment":"neutral","sentiment_score":0.05789051577448845},{"text":"Sounds good to me.","start":507.06,"end":508.28,"sentiment":"positive","sentiment_score":0.536833256483078},{"text":"Yep.","start":540.16003,"end":540.66003,"sentiment":"positive","sentiment_score":0.48800453543663025},{"text":"Sounds good.","start":545.175,"end":546.535,"sentiment":"positive","sentiment_score":0.5211088359355927},{"text":"Well, at the end of the day, my portfolio does well.","start":546.535,"end":549.735,"sentiment":"positive","sentiment_score":0.48482844775373285}],"sentiment":"positive","sentiment_score":0.47729256180556195,"num_words":19,"start":453.58,"end":549.735},{"sentences":[{"text":"You guys do well.","start":549.735,"end":550.855,"sentiment":"positive","sentiment_score":0.6653233766555786},{"text":"So Well, yeah, that's the thing.","start":550.855,"end":572.245,"sentiment":"neutral","sentiment_score":-0.025321288655201595},{"text":"Their markets are unsure.","start":572.245,"end":573.445,"sentiment":"neutral","sentiment_score":-0.2696240618824959},{"text":"So there is definitely a downfall coming at some point which will affect everything.","start":573.445,"end":576.825,"sentiment":"neutral","sentiment_score":-0.27225141333682196},{"text":"So rather yeah.","start":577.765,"end":579.205,"sentiment":"neutral","sentiment_score":-0.021183601580560207}],"sentiment":"neutral","sentiment_score":-0.07884519562245376,"num_words":31,"start":549.735,"end":579.205},{"sentences":[{"text":"I can agree that.","start":579.205,"end":580.425,"sentiment":"neutral","sentiment_score":0.017866430338472128},{"text":"Yeah.","start":646.22003,"end":646.38,"sentiment":"neutral","sentiment_score":0.1420058310031891},{"text":"You just gotta ride the wave out.","start":646.38,"end":647.74,"sentiment":"positive","sentiment_score":0.3519913213593619},{"text":"I hope we come out on top.","start":647.74,"end":649.2,"sentiment":"positive","sentiment_score":0.4515731377261026},{"text":"That's good tonight.","start":667.705,"end":668.765,"sentiment":"positive","sentiment_score":0.36028188467025757}],"sentiment":"neutral","sentiment_score":0.31451220090755005,"num_words":22,"start":579.205,"end":668.765},{"sentences":[{"text":"Sounds good.","start":679.74,"end":680.56,"sentiment":"neutral","sentiment_score":0.30900998413562775},{"text":"No.","start":680.62,"end":680.86,"sentiment":"neutral","sentiment_score":0.23957911133766177},{"text":"It sounds really good.","start":680.86,"end":682.16,"sentiment":"positive","sentiment_score":0.3537134677171707},{"text":"Yep.","start":703.21,"end":703.71,"sentiment":"neutral","sentiment_score":0.09064382314682008},{"text":"Yep.","start":716.925,"end":717.425,"sentiment":"neutral","sentiment_score":0.07177704572677612}],"sentiment":"neutral","sentiment_score":0.27054153548346627,"num_words":9,"start":679.74,"end":717.425},{"sentences":[{"text":"Beautiful.","start":730.89,"end":731.39,"sentiment":"positive","sentiment_score":0.4011065363883972},{"text":"Lovely.","start":731.69,"end":732.19,"sentiment":"positive","sentiment_score":0.35513055324554443},{"text":"No.","start":732.25,"end":732.57,"sentiment":"neutral","sentiment_score":0.2253798544406891},{"text":"Appreciate the work.","start":732.57,"end":733.79,"sentiment":"positive","sentiment_score":0.40024927258491516},{"text":"Yeah.","start":735.29,"end":735.69,"sentiment":"neutral","sentiment_score":0.1719151735305786}],"sentiment":"positive","sentiment_score":0.3363257050514221,"num_words":7,"start":730.89,"end":735.69},{"sentences":[{"text":"As I said, as long as you if you are more than happy with it and you can see the growth in it, which is great.","start":735.69,"end":746.175,"sentiment":"neutral","sentiment_score":0.31735930706445986},{"text":"So the other thing, sir, I have to pay up a time for my partner to have a chat with you guys as well to try and get her super onto a better return rate.","start":746.175,"end":759.13,"sentiment":"neutral","sentiment_score":0.17671735403793198},{"text":"Yeah.","start":774.045,"end":774.525,"sentiment":"neutral","sentiment_score":0.03238200768828392},{"text":"Probably it'd be after a couple weeks after Easter, I reckon.","start":774.525,"end":777.265,"sentiment":"neutral","sentiment_score":0.018754613839767197},{"text":"After school holidays.","start":777.725,"end":778.605,"sentiment":"neutral","sentiment_score":0.006527535306910674}],"sentiment":"neutral","sentiment_score":0.19335150974802673,"num_words":76,"start":735.69,"end":778.605},{"sentences":[{"text":"After school holidays.","start":778.605,"end":779.665,"sentiment":"neutral","sentiment_score":0.006587617409725984},{"text":"Give me one second.","start":791.42,"end":792.38,"sentiment":"neutral","sentiment_score":0.01028679683804512},{"text":"I'll find out for you.","start":792.38,"end":793.6,"sentiment":"neutral","sentiment_score":0.030402864515781402},{"text":"Can do the April 21 around 11AM.","start":796.235,"end":800.795,"sentiment":"neutral","sentiment_score":0.02832186727651528},{"text":"April 21 around 11AM.","start":800.795,"end":802.895,"sentiment":"neutral","sentiment_score":0.019137947587296367}],"sentiment":"neutral","sentiment_score":0.02120561841065469,"num_words":23,"start":778.605,"end":802.895},{"sentences":[{"text":"11AM.","start":811.78,"end":812.74,"sentiment":"neutral","sentiment_score":0.026718532666563988},{"text":"Yep.","start":812.74,"end":813.24,"sentiment":"neutral","sentiment_score":0.06365188956260681},{"text":"Yep.","start":820.98004,"end":821.48004,"sentiment":"neutral","sentiment_score":0.21357998251914975},{"text":"Sounds good.","start":833.41504,"end":834.23505,"sentiment":"positive","sentiment_score":0.43843796849250793},{"text":"Oh, yeah.","start":856.035,"end":856.435,"sentiment":"neutral","sentiment_score":0.07582318410277367}],"sentiment":"neutral","sentiment_score":0.19035324427698339,"num_words":7,"start":811.78,"end":856.435},{"sentences":[{"text":"You're you're selling it to me with, like, a a point 5% drop on it, but, you know no.","start":856.435,"end":861.315,"sentiment":"neutral","sentiment_score":-0.044543742251239325},{"text":"No.","start":861.315,"end":861.815,"sentiment":"neutral","sentiment_score":-0.16732341051101685},{"text":"I had a chat with her about hers and definitely wants to pay more growth in it than what's currently happening.","start":861.955,"end":867.95996,"sentiment":"neutral","sentiment_score":-0.06379982722657067},{"text":"So yep.","start":869.45996,"end":871.87994,"sentiment":"neutral","sentiment_score":0.04004734009504318},{"text":"Host Plus?","start":878.085,"end":879.60504,"sentiment":"neutral","sentiment_score":0.02210286259651184}],"sentiment":"neutral","sentiment_score":-0.04953667732576529,"num_words":45,"start":856.435,"end":879.60504},{"sentences":[{"text":"Host Plus, I think it is.","start":879.60504,"end":881.145,"sentiment":"neutral","sentiment_score":0.0548893790692091},{"text":"Yeah.","start":884.16504,"end":884.245,"sentiment":"neutral","sentiment_score":0.20373323559761047},{"text":"One of the it's one of the big four.","start":884.245,"end":886.10504,"sentiment":"neutral","sentiment_score":0.11107058491971758},{"text":"It is Host Plus.","start":886.48505,"end":887.625,"sentiment":"neutral","sentiment_score":0.07308876048773527},{"text":"That's alright.","start":894.66003,"end":895.22003,"sentiment":"neutral","sentiment_score":-0.01678674458526075}],"sentiment":"neutral","sentiment_score":0.08143119668503376,"num_words":22,"start":879.60504,"end":895.22003},{"sentences":[{"text":"Elise, e l y s e?","start":895.22003,"end":897.0,"sentiment":"neutral","sentiment_score":-0.004550372327988346},{"text":"Yeah.","start":903.975,"end":904.375,"sentiment":"neutral","sentiment_score":0.036921024322509766},{"text":"At least.","start":904.375,"end":905.015,"sentiment":"neutral","sentiment_score":0.036779770627617836},{"text":"Yep.","start":905.015,"end":905.515,"sentiment":"neutral","sentiment_score":0.07001760601997375},{"text":"I am fine.","start":908.615,"end":909.415,"sentiment":"neutral","sentiment_score":0.20446414748827615}],"sentiment":"neutral","sentiment_score":0.0589683369303552,"num_words":13,"start":895.22003,"end":909.415},{"sentences":[{"text":"Yep.","start":909.415,"end":909.915,"sentiment":"neutral","sentiment_score":0.14943526685237885},{"text":"Good to check.","start":909.975,"end":910.795,"sentiment":"positive","sentiment_score":0.410965899626414},{"text":"Yeah.","start":942.53503,"end":942.775,"sentiment":"neutral","sentiment_score":0.28220832347869873},{"text":"That's perfect.","start":942.775,"end":943.335,"sentiment":"positive","sentiment_score":0.33591039734892547},{"text":"Just put a note on there that if I don't answer the first time, just to give me a buzz back straight away because my phone is on work mode during the day, and it won't automatically notify me of calls.","start":943.335,"end":953.81006,"sentiment":"neutral","sentiment_score":-0.10284777539895802}],"sentiment":"neutral","sentiment_score":-0.03917493140518976,"num_words":48,"start":909.415,"end":953.81006},{"sentences":[{"text":"Yep.","start":959.39,"end":959.89,"sentiment":"neutral","sentiment_score":0.01665867492556572},{"text":"040137 95 13.","start":959.95,"end":969.075,"sentiment":"neutral","sentiment_score":0.018120070919394493},{"text":"Correct.","start":975.55005,"end":976.05005,"sentiment":"neutral","sentiment_score":0.2354550659656525},{"text":"Thanks, Dana.","start":1003.69995,"end":1004.5,"sentiment":"positive","sentiment_score":0.5106143802404404},{"text":"Lovely to meet you too.","start":1004.5,"end":1005.72,"sentiment":"positive","sentiment_score":0.5620562493801117}],"sentiment":"positive","sentiment_score":0.3448319967525701,"num_words":12,"start":959.39,"end":1005.72},{"sentences":[{"text":"You too.","start":1010.98,"end":1011.69995,"sentiment":"neutral","sentiment_score":0.3095411956310272},{"text":"Same to you.","start":1011.69995,"end":1012.25995,"sentiment":"positive","sentiment_score":0.3480294545491536},{"text":"Have a have a enjoy your holiday or your time off.","start":1012.25995,"end":1016.185,"sentiment":"positive","sentiment_score":0.4102420292117379},{"text":"Never get Definitely.","start":1016.185,"end":1026.525,"sentiment":"neutral","sentiment_score":0.05502970206240813},{"text":"A 100%.","start":1026.665,"end":1027.645,"sentiment":"neutral","sentiment_score":0.15220992267131805}],"sentiment":"neutral","sentiment_score":0.31644485846516635,"num_words":21,"start":1010.98,"end":1027.645},{"sentences":[{"text":"Definitely.","start":1028.92,"end":1029.0,"sentiment":"neutral","sentiment_score":0.02084631286561489},{"text":"There's never a doll die with both kids, is there?","start":1029.0,"end":1032.14,"sentiment":"neutral","sentiment_score":-0.14792737178504467},{"text":"Alright.","start":1033.24,"end":1033.74,"sentiment":"neutral","sentiment_score":0.023260537534952164},{"text":"Yep.","start":1040.68,"end":1041.045,"sentiment":"neutral","sentiment_score":0.10600873082876204},{"text":"Yep.","start":1059.3,"end":1059.8,"sentiment":"neutral","sentiment_score":0.22492484748363495}],"sentiment":"neutral","sentiment_score":-0.07887380636696305,"num_words":14,"start":1028.92,"end":1059.8},{"sentences":[{"text":"Beautiful.","start":1059.9401,"end":1060.3401,"sentiment":"positive","sentiment_score":0.7435919642448425},{"text":"I'll have a read tonight, and I'll get back to you.","start":1060.3401,"end":1062.1001,"sentiment":"positive","sentiment_score":0.4729718647219918},{"text":"I'll sign it over, hopefully, tomorrow.","start":1062.1001,"end":1064.04,"sentiment":"positive","sentiment_score":0.3720381160577138},{"text":"Lovely.","start":1065.6201,"end":1066.1201,"sentiment":"positive","sentiment_score":0.8596789836883545}],"sentiment":"positive","sentiment_score":0.4756942187484942,"num_words":19,"start":1059.9401,"end":1066.1201}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Oh, it's maybe down.\n\nChannel 0: Hi, Reese. How are you?\n\nChannel 1: Good. Yourself?\n\nChannel 0: I'm very well. Thank you. Is now a better time there\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Yeah. Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: I was just in the pool, so it would have been a conversation of yelling and hoping that the reception stays in. That's\n\nChannel 0: That's absolutely okay. It's not a problem at all. I know you are with the kids, so I'll try not to take up too much of your time\n\nChannel 1: alright.\n\nChannel 0: there. But if you do need me to stop or pause, please let me know. Okay? All good. Now I have emailed the document through to you as well.\n\nDo you have access to that in at the moment, or did you want me just to go through it all and then I can you can have a bit of a range for it later? What's your preference\n\nChannel 1: Just\n\nChannel 0: there?\n\nChannel 1: run through it, and I'll have a read\n\nChannel 0: Yep.\n\nChannel 1: through it later tonight if that works.\n\nChannel 0: That's absolutely fine. It's not a problem at all. Now with this one here on the front of the document, just to hit those points that I have to make sure I touch for you, the document has been prepared for yourself as of yesterday's date there. The document has been prepared by myself and my lovely team here at OQ Financial. I am a full licensed adviser, so my registration number with ASIC is 1304394.\n\nIn the front of the document, we do outline the scoping to areas that we are touching on with regards to the advice. We've got the superannuation, looking at making some investments which is there for you, and then also the estate planning. So one of the things is making sure your beneficiary nominations are in line and nominated to your partner in the event you would have passed away. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: We do also have your updated super details. The current insurance policy that you do hold noted in there, we're not touching on insurances at the moment. It has only been scoped into a limited basis there because it does have an effect on your overall retirement income. Your insurance premiums are paid out of super, so it is included in the projection table in there, which you'll be able to have a look at as well. Okay?\n\nChannel 1: Lovely.\n\nChannel 0: Excellent. The also, do you have all of your assets and liabilities noted as per our last conversation. When you do review that one later, if you do find there's any changes that you wanna make to those, absolutely fine. Please let us know. We can have that updated for you.\n\nThe assets and liabilities have no effect on the on the advice document at all so far, which is a good thing. Okay.\n\nChannel 1: Alright. Beautiful.\n\nChannel 0: Perfect. So, essentially, what we are looking at with regard to the super debt is making sure that you are invested in line with your risk profile as well as making those changes. You may have mentioned that you wanted to see some extra, maybe a bit of gold and or silver in your portfolio. We did already have physical gold. So we're looking at adding some silver in there to give you a a bit more diversification, looking at growth investments that have got potential for long term credit growth, but also can act defensively at certain times for you, which isn't a bad thing given the current climate we're in at the moment.\n\nWe are looking at switching out the bank hybrids there. Bank hybrids, as we discussed last time, are about to be phased out by the government, so we are just switching those out while we are making the changes now. We are also removing any underperforming investments that have been along Australian Equities, which is the one we discussed, has been underperforming, was more of an actively managed component in your super there, but they have had some problems and are no longer a valuable asset to hold at this point in time. So what we're gonna do in order to replace the Ben along Australian Equities and make sure you still have access to the Australian Equities portion of your portfolio, because it is still a good place to hold, we are gonna look at the beta shares a 200. This is more passively managed.\n\nIt's actually cheaper, and it's gonna be it's still giving you access to the top 200 companies on the ASX, so it is tracking the top 200 companies there. One of the good things about this investment is that it does track an industry. So, essentially, if the the maker of the industry actually meets every quarter and if, say, a company doesn't fit the criteria to be in the top 200, they are removed out of that. And so as a passively managed fund tends to track the industry as well, they do remove those out of the investments. So you are always tracking the top 200 companies in Australia, which makes it more valuable for your portfolio.\n\nAnd it's also cheaper than holding Ben along, so it's gonna work out better for you long term as well. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: So we're removing the bank hybrids. We're moving all of the Ben along there for you as well. We are just rebalancing the S and P 500. You're a bit overweighted in there at the moment. We wanna bring that back a little bit, especially given\n\nChannel 1: Yep.\n\nChannel 0: what we're, you know, facing at the moment there. We don't wanna be overweight and taking on too much risk. You wanna be within your risk profile, but not over reweighting and reducing some of the S and P 500 down to 24% for you. We're keeping all of the the cybersecurity. It is the great area to hold.\n\nPhysical gold, you're still gonna hold that. We are just rebalancing it back because you're a bit overweighted there at the moment. So we'll bring that back and realign it to the 10% you should have, and then we're adding some physical silver in there as well at about 5%. I have put less in there than you do physical gold because physical gold tends to get greater returns, but it's more defensive in nature. Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold.\n\nSo you are gonna hold a bit of gold and a bit of silver. About 10% of gold and 5% of silver is gonna be added in there for you as well.\n\nChannel 1: Yep.\n\nChannel 0: We've also got so as I mentioned, we've got the the a 200 being added in there for you instead of Bennelong, which we are completely removing. And then we're also just gonna rebalance. We had to sell down some of the ClearBridge infrastructure. So in order you're only allowed to in in these sorts of portfolios have a certain amount of alternative assets, which are your gold, your silvers, and certain infrastructure funds.\n\nChannel 1: Is\n\nChannel 0: So we didn't wanna sort of lose out on the gold and the silver, so we're selling down some of the infrastructure you have to account for adding the gold and the silver in there and keeping up the higher rate for you. Okay? Yeah.\n\nChannel 1: is it better to stay with the other funds rather than go down the path of gold and silver, or is it much, much less?\n\nChannel 0: No. It's actually working out a lot better for you. So when I kind of looked at everything with regard to the portfolio there, the CGT consequences for making these changes is only $209. So we expect your fund to just have a tax consequence of $209 to make all these changes. It actually does bring\n\nChannel 1: Yep.\n\nChannel 0: you back in line with your growth portfolio. You were just a little bit overweighted slightly, so bringing it back more in line with where you should be, making sure not to overexpose you to risk, especially in this kind of climate we're in. And it actually\n\nChannel 1: Yeah. Currently,\n\nChannel 0: reduces\n\nChannel 1: with\n\nChannel 0: your, yeah,\n\nChannel 1: it I was just saying\n\nChannel 0: sorry.\n\nChannel 1: the current climate, the risk yeah. It it plays safe at the moment. It just seems there's a lot of uncertainties at the moment. For the next two years, at\n\nChannel 0: Absolutely.\n\nChannel 1: least, there'll be a lot of uncertainties.\n\nChannel 0: Absolutely. Yeah. We're sort of looking short term at the moment. We certainly hope it doesn't last that long, but, I mean, with the war happening in one aspect but then here in Australia, we also still have high inflation rates. So we're sort of getting hit on more than one front at the moment.\n\nSo but, look, honestly, this is putting you back in line with your risk profile. It's also lower cost in investment fees. So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic. So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any\n\nChannel 1: Lovely.\n\nChannel 0: underperforming investments, and it's also been performing better. So when we consider the portfolio you were invested, the one we are recommending, when we look at the last of the three years, we have to use a three year rolling average for this because the bank hybrids haven't been around long enough to give us five years. But when we compare the\n\nChannel 1: Yes.\n\nChannel 0: two different funds, your previous portfolio has averaged about 14.2 over the past three years. The newer portfolio, which is being recommended, can average or has averaged about 18.43%. So it has had a greater average return over the past couple of years, which can put you in a better position depending on markets and how they react to obtain greater growth down the track there as well. So it's just another benefit for being able to make these changes. While the portfolios do and have seen greater past performances, it's important to know I don't expect you're gonna get 18% every year over the next sort of five to ten years.\n\nBut if Martha's react the way, you know, they have in the past, if you do happen to get, you know, close to that kind of return, we do have a projection that shows where you could end up, and we could see you over the next ten years end up with a bit over $500,000. Okay?\n\nChannel 1: Sounds good to me.\n\nChannel 0: Yeah. All good. All in all, it's making the changes that you were after, rebalancing the portfolio back, adding in some more of those commodities, which is really important, removing the under underperforming investment option, and making sure to get rid of the the bank hybrids as well, which is also gonna be phased out for you. So it works really well in your favor. It's in best interest for you.\n\nIt saves you on fees, and the fees also out better the saving on fees is bigger, sorry, than the CGT consequence your fund would have to deal with as well. And it's performed better in the\n\nChannel 1: Yep.\n\nChannel 0: past as well, so it's kind of a a win win scenario with that one for you. Okay?\n\nChannel 1: Sounds good. Well,\n\nChannel 0: All good?\n\nChannel 1: at the end of the day, my portfolio does well. You guys do well. So\n\nChannel 0: Absolutely. That's exactly right. Your ongoing service fee is linked to us, so we wanted to definitely do well. And in this time, so there is a bit of uncertainty and a bit of volatility out there. We know that the markets are expecting a bit of a downturn, so we also know that our fee is gonna take a bit of a dip there with it.\n\nAnd that's really important that we're following along with what's happening in the market. Yeah.\n\nChannel 1: Well, yeah, that's the thing. Their markets are unsure. So there is definitely a downfall coming at some point which will affect everything.\n\nChannel 0: Yeah.\n\nChannel 1: So rather\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I can agree\n\nChannel 0: Well,\n\nChannel 1: that.\n\nChannel 0: we we we were able to catch up with some of the economists yesterday when we did a bit of a meeting with a BlackRock investment team, and they've sort of made mention that they're seeing whilst the you know, no one hopes the war is gonna go on for a long time, but there is that expectation that it may not be an you know, a one or two month sort of thing. It may go on a bit longer. That the other side of it, they're expecting quite high inflation. So we just have to sort of wait and see. But with the oil prices the way they are, even with the, you know, even with the excise being reduced, oil is still quite high.\n\nAnd if oil continues to get higher in prices per barrel, we're gonna see that excise have less of an effect. Inflation is still technically very high. They are certainly hoping that this will change with the changes they're making to the credit card surcharges. But at the end of the day, we still have a really good job market. So people are still spending.\n\nWe have income. We have expendable income currently. So there's a few different fronts that we're facing, and it's just a matter of seeing where this is gonna go over the next few months and sort of track it along. Yeah.\n\nChannel 1: Yeah. You just gotta ride the wave out. I hope we come out on top.\n\nChannel 0: Absolutely. The good thing is the investments that you are invested have seen these sorts of downturns. They've been through investment downturns like, say, the bond crashes. They've been through fixed interest downturns. They've seen, like, the the COVID downturn, the g f, things like that, and they've come out on top.\n\nSo it you're\n\nChannel 1: That's\n\nChannel 0: in\n\nChannel 1: good\n\nChannel 0: investments\n\nChannel 1: tonight.\n\nChannel 0: that have withstood those ups and downs, and they're still progressing come out. So it is really good to make sure you are in those sorts of investments, and we would never put you in anything crazy or speculative. So yeah. Yep.\n\nChannel 1: Sounds good. No. It sounds really\n\nChannel 0: Beautiful.\n\nChannel 1: good.\n\nChannel 0: Excellent. I will let you have a bit of a read through that. I have outlined the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well with the beneficiary nominations as we kinda went through last time. We'll just make sure those are completed and added to your super fund and your life insurance policy, noting a 100% to be passed to your partner.\n\nChannel 1: Yep.\n\nChannel 0: I have noted them as being a binding, non lapsing nomination for you as a recommendation. So a binding nomination binds the trustee to follow that direction you've made so long as the direction is made under a valid nomination. And then non\n\nChannel 1: Yep.\n\nChannel 0: lapsing means you only have to select the nomination once, and we don't have to rechange it until your wishes change on who you want the funds to be paid to. So I'll make sure my team help you to follow-up and get that sorted. Okay?\n\nChannel 1: Beautiful. Lovely. No.\n\nChannel 0: Beautiful.\n\nChannel 1: Appreciate the work.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: All\n\nChannel 1: As\n\nChannel 0: good.\n\nChannel 1: I said, as long as you if you are more than happy with it and\n\nChannel 0: Yeah.\n\nChannel 1: you can see the growth in it, which\n\nChannel 0: Yeah.\n\nChannel 1: is great. So\n\nChannel 0: Absolutely.\n\nChannel 1: the other thing, sir, I have to\n\nChannel 0: Yeah.\n\nChannel 1: pay up a time for my partner to have a chat with you guys\n\nChannel 0: Yep.\n\nChannel 1: as well to try and get her super onto a better return rate.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Is there a certain time that we could maybe book in for the admin team to touch base and do a bit of a welcome call with her and kinda go through what we do and explain how it all works?\n\nChannel 1: Yeah. Probably it'd be after a couple weeks after Easter, I reckon.\n\nChannel 0: Or yep.\n\nChannel 1: After\n\nChannel 0: Did\n\nChannel 1: school\n\nChannel 0: you\n\nChannel 1: holidays.\n\nChannel 0: want me\n\nChannel 1: After\n\nChannel 0: to maybe\n\nChannel 1: school\n\nChannel 0: touch\n\nChannel 1: holidays.\n\nChannel 0: yeah. Yes. Okay. Did you wanna book a time now, or did you wanna have a chat to her first and I maybe touch base in the next few weeks and see if we book in a time then? What would be more preferable?\n\nChannel 1: Give me one second. I'll find out for you.\n\nChannel 0: That's okay.\n\nChannel 1: Can do the April 21 around 11AM. April 21 around 11AM.\n\nChannel 0: Yeah. Absolutely. Okay. So April 21. And so around ten was it 11AM?\n\nChannel 1: 11AM. Yep.\n\nChannel 0: Yep. Perfect. Lovely. I've got one of the admin team available then. I can book it in book it in for a bit of a welcome call if that's preferable.\n\nThey'll just\n\nChannel 1: Yep.\n\nChannel 0: go through how it works, what we do, how the research component goes, and then they can all organize for myself to organ to do the original research and have a chat to you about our goals and details. That works for you guys?\n\nChannel 1: Sounds good.\n\nChannel 0: Beautiful. And just so you are aware as well, at the moment, your ongoing service fee is 1.65%. If your partner does come on board, we can link everything up and actually reduces your fee to 1.1, and hers is only 1.1 as well. So I don't want that to be the only reason she signs on board, but I just wanna let you know we do have that coupling fee if if your partner does decide to come\n\nChannel 1: Oh, yeah.\n\nChannel 0: on board\n\nChannel 1: You're\n\nChannel 0: with\n\nChannel 1: you're\n\nChannel 0: us as well.\n\nChannel 1: selling it to me with, like, a a point 5% drop on it, but, you know no. No. I had a chat with her about hers and definitely wants to pay more growth in it\n\nChannel 0: Yep.\n\nChannel 1: than what's currently happening.\n\nChannel 0: Yep. Perfect. Is\n\nChannel 1: So\n\nChannel 0: she working at the moment?\n\nChannel 1: yep.\n\nChannel 0: Yeah. Perfect. Excellent. And do you know roughly where her super is located?\n\nChannel 1: Host Plus? Host\n\nChannel 0: If not,\n\nChannel 1: Plus,\n\nChannel 0: that's\n\nChannel 1: I think\n\nChannel 0: okay.\n\nChannel 1: it is.\n\nChannel 0: Post plus. Yeah. No. Not a problem at all. Beautiful.\n\nChannel 1: Yeah. One\n\nChannel 0: And\n\nChannel 1: of\n\nChannel 0: so\n\nChannel 1: the it's\n\nChannel 0: so\n\nChannel 1: one\n\nChannel 0: can\n\nChannel 1: of the\n\nChannel 0: I\n\nChannel 1: big four. It is\n\nChannel 0: yep?\n\nChannel 1: Host Plus.\n\nChannel 0: Love Post plus. Awkward. And can I just grab your name for the call or for the booking as well? I'm so sorry.\n\nChannel 1: That's alright. Elise, e l y s e?\n\nChannel 0: E l y s e. Beautiful. And, Alisa, I do just double check because you just never know that your surname is Farrah as well. Is that right?\n\nChannel 1: Yeah. At least. Yep.\n\nChannel 0: Yep. Lovely. You just never know these days. It's always worth double\n\nChannel 1: I\n\nChannel 0: checking.\n\nChannel 1: am fine. Yep. Good to check.\n\nChannel 0: All good. So I've booked that one in for you for my admin team member, Madison Lisker, to give you a call on 11AM on the April 21, which is a Tuesday. She'll go through a bit of an introduction around who we are as advisers, what we do, how our process works, and then she'll organize a time for me to she'll do some research with you on all of your financial goals and things, and then she'll book in a time for myself to go through a lot more detail around what your goals are, what you're looking at, and then myself and my team will put together some financial advice for you. Is that okay?\n\nChannel 1: Yeah. That's perfect. Just put a note on there that if I don't answer the first time, just to give me a buzz back straight away because my phone is on work mode during the day, and it won't automatically notify me of calls.\n\nChannel 0: Yep. No. That's okay. Not a problem at all. And, Elise, can I just grab your contact phone number there as well?\n\nChannel 1: Yep. 040137\n\nChannel 0: O four zero one three seven.\n\nChannel 1: 95\n\nChannel 0: Yep.\n\nChannel 1: 13.\n\nChannel 0: 13. Perfect. I'll just read that back to you. It's 0401379513.\n\nChannel 1: Correct.\n\nChannel 0: Perfect. Well, thank you so much for that. I've booked that one in for my colleague, Madison Liska. She'll send out an email or sorry. Send out a confirmation text message just about an hour prior to let you know she'll be making the phone call.\n\nI've set that up automatically for you. And, yeah, like, it's lovely to meet you. I'm Dana. I'm one of the financial advisers here. And, yeah, we'll we'll look at what we can do to certainly help you and tailor some advice to meet your needs and your goals and look forward to helping you moving forward.\n\nChannel 1: Thanks, Dana. Lovely to meet you\n\nChannel 0: That's\n\nChannel 1: too.\n\nChannel 0: yeah. Not a problem. I hope you guys have a lovely afternoon and a great Easter.\n\nChannel 1: You too. Same to you. Have a have a enjoy your holiday\n\nChannel 0: I will. Thanks\n\nChannel 1: or\n\nChannel 0: so\n\nChannel 1: your time\n\nChannel 0: much,\n\nChannel 1: off.\n\nChannel 0: Ray.\n\nChannel 1: Never get\n\nChannel 0: Yeah. No. That's okay. It's only a week, but look, it's all good with Easter and the school holidays. It's very busy time for us all having small children.\n\nThat's for\n\nChannel 1: Definitely. A 100%.\n\nChannel 0: sure.\n\nChannel 1: Definitely. There's\n\nChannel 0: No. All good.\n\nChannel 1: never a doll die with both kids, is there?\n\nChannel 0: No. That's exactly\n\nChannel 1: Alright.\n\nChannel 0: right. That's it. Reese, what I'll do is I'll send you an email, in a second from my direct email contact. So if you are reading\n\nChannel 1: Yep.\n\nChannel 0: through the document, at any point you find you have any questions, feel free to email me and let me know. Whilst I am away, I still do check my emails every so often, so I will endeavor to get back to you as quickly as possible, if not on my return, to answer any questions you have. And if you are comfortable just to proceed with the advice, I'll get you to sign and return it back for me straight away. Okay?\n\nChannel 1: Yep. Beautiful. I'll have a read tonight, and I'll get back to you. I'll sign it over, hopefully, tomorrow.\n\nChannel 0: Beautiful. Lovely. Thank you\n\nChannel 1: Lovely.\n\nChannel 0: so much. Have a great holiday have a great your school holidays for the kids, and enjoy your Easter. I hope it's lovely for you all. Thanks so much. I'll talk to you both soon.\n\nThank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Oh, it's maybe down.","start":0.0,"end":1.54,"sentiment":"neutral","sentiment_score":-0.08320774883031845}],"sentiment":"neutral","sentiment_score":-0.08320774883031845,"channel":1,"num_words":4,"start":0.0,"end":1.54},{"sentences":[{"text":"Hi, Reese.","start":1.76,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.1936928629875183},{"text":"How are you?","start":2.3999999,"end":3.3,"sentiment":"neutral","sentiment_score":0.3091610372066498}],"sentiment":"neutral","sentiment_score":0.2629737675189972,"channel":0,"num_words":5,"start":1.76,"end":3.3},{"sentences":[{"text":"Good.","start":3.52,"end":3.84,"sentiment":"positive","sentiment_score":0.6105930805206299},{"text":"Yourself?","start":3.84,"end":4.34,"sentiment":"positive","sentiment_score":0.46010178327560425}],"sentiment":"positive","sentiment_score":0.5353474318981171,"channel":1,"num_words":2,"start":3.52,"end":4.34},{"sentences":[{"text":"I'm very well.","start":4.56,"end":5.52,"sentiment":"positive","sentiment_score":0.7116929690043131},{"text":"Thank you.","start":5.52,"end":5.92,"sentiment":"positive","sentiment_score":0.747341513633728},{"text":"Is now a better time there","start":5.92,"end":7.2,"sentiment":"positive","sentiment_score":0.46607548991839093}],"sentiment":"positive","sentiment_score":0.5842013521627947,"channel":0,"num_words":11,"start":4.56,"end":7.2},{"sentences":[{"text":"Yeah.","start":7.04,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.18187427520751953}],"sentiment":"neutral","sentiment_score":0.18187427520751953,"channel":1,"num_words":1,"start":7.04,"end":7.3599997},{"sentences":[{"text":"for","start":7.2,"end":7.44,"sentiment":"neutral","sentiment_score":0.03923887386918068}],"sentiment":"neutral","sentiment_score":0.03923887386918068,"channel":0,"num_words":1,"start":7.2,"end":7.44},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.0655301958322525}],"sentiment":"neutral","sentiment_score":0.0655301958322525,"channel":1,"num_words":1,"start":7.3599997,"end":7.7599998},{"sentences":[{"text":"you?","start":7.44,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.04720669239759445}],"sentiment":"neutral","sentiment_score":0.04720669239759445,"channel":0,"num_words":1,"start":7.44,"end":7.9199996},{"sentences":[{"text":"Yeah.","start":7.7599998,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.001954728737473488},{"text":"Sorry.","start":7.8399997,"end":8.16,"sentiment":"neutral","sentiment_score":-0.06202085688710213}],"sentiment":"neutral","sentiment_score":-0.03003306407481432,"channel":1,"num_words":2,"start":7.7599998,"end":8.16},{"sentences":[{"text":"Yeah.","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":-0.057285476475954056}],"sentiment":"neutral","sentiment_score":-0.057285476475954056,"channel":0,"num_words":1,"start":7.9199996,"end":8.42},{"sentences":[{"text":"I was just in the pool, so it would have been a conversation of yelling and hoping that the reception stays in.","start":8.16,"end":13.755,"sentiment":"neutral","sentiment_score":-0.11238535392013463},{"text":"That's","start":13.755,"end":14.255,"sentiment":"neutral","sentiment_score":0.02206915244460106}],"sentiment":"neutral","sentiment_score":-0.10653950581732004,"channel":1,"num_words":23,"start":8.16,"end":14.255},{"sentences":[{"text":"That's absolutely okay.","start":14.335,"end":15.695,"sentiment":"neutral","sentiment_score":0.31136112411816913},{"text":"It's not a problem at all.","start":15.695,"end":17.135,"sentiment":"neutral","sentiment_score":0.3191480040550232},{"text":"I know you are with the kids, so I'll try not to take up too much of your time","start":17.135,"end":20.015,"sentiment":"neutral","sentiment_score":0.059934155525345555}],"sentiment":"neutral","sentiment_score":0.142418583988079,"channel":0,"num_words":28,"start":14.335,"end":20.015},{"sentences":[{"text":"alright.","start":19.897501,"end":20.397501,"sentiment":"neutral","sentiment_score":0.14940610527992249}],"sentiment":"neutral","sentiment_score":0.14940610527992249,"channel":1,"num_words":1,"start":19.897501,"end":20.397501},{"sentences":[{"text":"there.","start":20.015,"end":20.175,"sentiment":"neutral","sentiment_score":0.048722222447395325},{"text":"But if you do need me to stop or pause, please let me know.","start":20.175,"end":23.135,"sentiment":"neutral","sentiment_score":0.009856321715882846},{"text":"Okay?","start":23.135,"end":23.635,"sentiment":"neutral","sentiment_score":0.1604834645986557},{"text":"All good.","start":25.22,"end":26.02,"sentiment":"positive","sentiment_score":0.4014241695404053},{"text":"Now I have emailed the document through to you as well.","start":26.02,"end":28.5,"sentiment":"neutral","sentiment_score":0.18147513947703622}],"sentiment":"neutral","sentiment_score":0.10849203670333171,"channel":0,"num_words":29,"start":20.015,"end":28.5},{"sentences":[{"text":"Do you have access to that in at the moment, or did you want me just to go through it all and then I can you can have a bit of a range for it later?","start":28.5,"end":34.9,"sentiment":"neutral","sentiment_score":0.07424772572186258},{"text":"What's your preference","start":34.9,"end":35.86,"sentiment":"neutral","sentiment_score":0.022555896391471226}],"sentiment":"neutral","sentiment_score":0.07027143115798633,"channel":0,"num_words":39,"start":28.5,"end":35.86},{"sentences":[{"text":"Just","start":35.800003,"end":36.300003,"sentiment":"neutral","sentiment_score":0.030785009264945984}],"sentiment":"neutral","sentiment_score":0.030785009264945984,"channel":1,"num_words":1,"start":35.800003,"end":36.300003},{"sentences":[{"text":"there?","start":35.86,"end":36.36,"sentiment":"neutral","sentiment_score":0.03272763267159462}],"sentiment":"neutral","sentiment_score":0.03272763267159462,"channel":0,"num_words":1,"start":35.86,"end":36.36},{"sentences":[{"text":"run through it, and I'll have a read","start":36.36,"end":37.72,"sentiment":"neutral","sentiment_score":0.05818595364689827}],"sentiment":"neutral","sentiment_score":0.05818595364689827,"channel":1,"num_words":8,"start":36.36,"end":37.72},{"sentences":[{"text":"Yep.","start":37.635,"end":38.135,"sentiment":"neutral","sentiment_score":0.08159483969211578}],"sentiment":"neutral","sentiment_score":0.08159483969211578,"channel":0,"num_words":1,"start":37.635,"end":38.135},{"sentences":[{"text":"through it later tonight if that works.","start":37.72,"end":39.195,"sentiment":"neutral","sentiment_score":0.11460823991468974}],"sentiment":"neutral","sentiment_score":0.11460823991468974,"channel":1,"num_words":7,"start":37.72,"end":39.195},{"sentences":[{"text":"That's absolutely fine.","start":39.555,"end":40.915,"sentiment":"positive","sentiment_score":0.43916701277097064},{"text":"It's not a problem at all.","start":40.915,"end":42.454998,"sentiment":"positive","sentiment_score":0.3734143575032552},{"text":"Now with this one here on the front of the document, just to hit those points that I have to make sure I touch for you, the document has been prepared for yourself as of yesterday's date there.","start":42.595,"end":51.84,"sentiment":"neutral","sentiment_score":0.08486774769660674},{"text":"The document has been prepared by myself and my lovely team here at OQ Financial.","start":52.56,"end":56.18,"sentiment":"neutral","sentiment_score":0.17115668306748072},{"text":"I am a full licensed adviser, so my registration number with ASIC is 1304394.","start":56.24,"end":61.86,"sentiment":"neutral","sentiment_score":0.10969779906528336}],"sentiment":"neutral","sentiment_score":0.14323790827275892,"channel":0,"num_words":76,"start":39.555,"end":61.86},{"sentences":[{"text":"In the front of the document, we do outline the scoping to areas that we are touching on with regards to the advice.","start":62.16,"end":67.174995,"sentiment":"neutral","sentiment_score":0.08607303351163864},{"text":"We've got the superannuation, looking at making some investments which is there for you, and then also the estate planning.","start":67.174995,"end":73.09499,"sentiment":"neutral","sentiment_score":0.130759097635746},{"text":"So one of the things is making sure your beneficiary nominations are in line and nominated to your partner in the event you would have passed away.","start":73.09499,"end":79.755,"sentiment":"neutral","sentiment_score":0.13555369553742586},{"text":"Okay?","start":79.814995,"end":80.314995,"sentiment":"neutral","sentiment_score":0.08425568044185638}],"sentiment":"neutral","sentiment_score":0.11745165047091498,"channel":0,"num_words":71,"start":62.16,"end":80.314995},{"sentences":[{"text":"Yeah.","start":81.545,"end":81.93,"sentiment":"neutral","sentiment_score":0.11023982614278792}],"sentiment":"neutral","sentiment_score":0.11023982614278792,"channel":1,"num_words":1,"start":81.545,"end":81.93},{"sentences":[{"text":"We do also have your updated super details.","start":82.04,"end":84.520004,"sentiment":"neutral","sentiment_score":0.13512814417481422},{"text":"The current insurance policy that you do hold noted in there, we're not touching on insurances at the moment.","start":84.520004,"end":89.4,"sentiment":"neutral","sentiment_score":0.030980367997759266},{"text":"It has only been scoped into a limited basis there because it does have an effect on your overall retirement income.","start":89.4,"end":95.340004,"sentiment":"neutral","sentiment_score":0.026975016331388837},{"text":"Your insurance premiums are paid out of super, so it is included in the projection table in there, which you'll be able to have a look at as well.","start":95.895,"end":103.115,"sentiment":"neutral","sentiment_score":0.073294288382448},{"text":"Okay?","start":103.174995,"end":103.674995,"sentiment":"neutral","sentiment_score":0.158973827958107}],"sentiment":"neutral","sentiment_score":0.05795686768415647,"channel":0,"num_words":78,"start":82.04,"end":103.674995},{"sentences":[{"text":"Lovely.","start":104.465004,"end":104.965004,"sentiment":"positive","sentiment_score":0.7208481431007385}],"sentiment":"positive","sentiment_score":0.7208481431007385,"channel":1,"num_words":1,"start":104.465004,"end":104.965004},{"sentences":[{"text":"Excellent.","start":105.655,"end":106.155,"sentiment":"positive","sentiment_score":0.7160818576812744},{"text":"The also, do you have all of your assets and liabilities noted as per our last conversation.","start":107.095,"end":111.19,"sentiment":"neutral","sentiment_score":0.14684591420433102},{"text":"When you do review that one later, if you do find there's any changes that you wanna make to those, absolutely fine.","start":111.25,"end":116.21,"sentiment":"neutral","sentiment_score":0.13231768594546753},{"text":"Please let us know.","start":116.21,"end":117.17,"sentiment":"neutral","sentiment_score":0.16724541783332825},{"text":"We can have that updated for you.","start":117.17,"end":119.19,"sentiment":"neutral","sentiment_score":0.19138558208942413}],"sentiment":"neutral","sentiment_score":0.15945357325322487,"channel":0,"num_words":51,"start":105.655,"end":119.19},{"sentences":[{"text":"The assets and liabilities have no effect on the on the advice document at all so far, which is a good thing.","start":119.41,"end":124.965004,"sentiment":"neutral","sentiment_score":0.20720640908588062},{"text":"Okay.","start":124.965004,"end":125.465004,"sentiment":"neutral","sentiment_score":0.20949257910251615}],"sentiment":"neutral","sentiment_score":0.20730580778225607,"channel":0,"num_words":23,"start":119.41,"end":125.465004},{"sentences":[{"text":"Alright.","start":125.685,"end":125.924995,"sentiment":"neutral","sentiment_score":0.328132688999176},{"text":"Beautiful.","start":125.924995,"end":126.424995,"sentiment":"positive","sentiment_score":0.6642621755599976}],"sentiment":"positive","sentiment_score":0.4961974322795868,"channel":1,"num_words":2,"start":125.685,"end":126.424995},{"sentences":[{"text":"Perfect.","start":127.045,"end":127.545,"sentiment":"positive","sentiment_score":0.6217368841171265},{"text":"So, essentially, what we are looking at with regard to the super debt is making sure that you are invested in line with your risk profile as well as making those changes.","start":127.925,"end":135.305,"sentiment":"neutral","sentiment_score":0.1776754402089864},{"text":"You may have mentioned that you wanted to see some extra, maybe a bit of gold and or silver in your portfolio.","start":135.525,"end":140.59999,"sentiment":"neutral","sentiment_score":0.11967423388903792},{"text":"We did already have physical gold.","start":140.59999,"end":142.04,"sentiment":"neutral","sentiment_score":0.1067413700123628},{"text":"So we're looking at adding some silver in there to give you a a bit more diversification, looking at growth investments that have got potential for long term credit growth, but also can act defensively at certain times for you, which isn't a bad thing given the current climate we're in at the moment.","start":142.04,"end":156.505,"sentiment":"neutral","sentiment_score":0.17265647215147814}],"sentiment":"neutral","sentiment_score":0.16438332028363062,"channel":0,"num_words":115,"start":127.045,"end":156.505},{"sentences":[{"text":"We are looking at switching out the bank hybrids there.","start":158.405,"end":161.465,"sentiment":"neutral","sentiment_score":0.005050958134233952},{"text":"Bank hybrids, as we discussed last time, are about to be phased out by the government, so we are just switching those out while we are making the changes now.","start":161.525,"end":168.81,"sentiment":"neutral","sentiment_score":0.02096022292971611},{"text":"We are also removing any underperforming investments that have been along Australian Equities, which is the one we discussed, has been underperforming, was more of an actively managed component in your super there, but they have had some problems and are no longer a valuable asset to hold at this point in time.","start":169.11,"end":183.78499,"sentiment":"neutral","sentiment_score":-0.11667593621279833},{"text":"So what we're gonna do in order to replace the Ben along Australian Equities and make sure you still have access to the Australian Equities portion of your portfolio, because it is still a good place to hold, we are gonna look at the beta shares a 200.","start":184.08499,"end":196.22,"sentiment":"neutral","sentiment_score":0.05905229217993716},{"text":"This is more passively managed.","start":196.22,"end":197.81999,"sentiment":"neutral","sentiment_score":0.114056695997715}],"sentiment":"neutral","sentiment_score":-0.014381608530266644,"channel":0,"num_words":146,"start":158.405,"end":197.81999},{"sentences":[{"text":"It's actually cheaper, and it's gonna be it's still giving you access to the top 200 companies on the ASX, so it is tracking the top 200 companies there.","start":197.81999,"end":207.135,"sentiment":"neutral","sentiment_score":0.16827155842349448},{"text":"One of the good things about this investment is that it does track an industry.","start":207.295,"end":210.995,"sentiment":"positive","sentiment_score":0.5224730253219605},{"text":"So, essentially, if the the maker of the industry actually meets every quarter and if, say, a company doesn't fit the criteria to be in the top 200, they are removed out of that.","start":211.45499,"end":221.56,"sentiment":"neutral","sentiment_score":0.02767050134785035},{"text":"And so as a passively managed fund tends to track the industry as well, they do remove those out of the investments.","start":221.56,"end":228.2,"sentiment":"neutral","sentiment_score":0.09379011172462594},{"text":"So you are always tracking the top 200 companies in Australia, which makes it more valuable for your portfolio.","start":228.2,"end":233.81999,"sentiment":"positive","sentiment_score":0.6013414420579609}],"sentiment":"neutral","sentiment_score":0.22812300400824106,"channel":0,"num_words":119,"start":197.81999,"end":233.81999},{"sentences":[{"text":"And it's also cheaper than holding Ben along, so it's gonna work out better for you long term as well.","start":234.165,"end":239.22499,"sentiment":"positive","sentiment_score":0.6399799227714539},{"text":"Okay?","start":239.28499,"end":239.78499,"sentiment":"positive","sentiment_score":0.356516033411026}],"sentiment":"positive","sentiment_score":0.6264816423257192,"channel":0,"num_words":21,"start":234.165,"end":239.78499},{"sentences":[{"text":"Sounds good.","start":240.92499,"end":241.745,"sentiment":"positive","sentiment_score":0.6596328616142273}],"sentiment":"positive","sentiment_score":0.6596328616142273,"channel":1,"num_words":2,"start":240.92499,"end":241.745},{"sentences":[{"text":"So we're removing the bank hybrids.","start":241.92499,"end":243.605,"sentiment":"neutral","sentiment_score":0.06204700811455647},{"text":"We're moving all of the Ben along there for you as well.","start":243.605,"end":246.265,"sentiment":"neutral","sentiment_score":0.2091119463245074},{"text":"We are just rebalancing the S and P 500.","start":246.405,"end":249.045,"sentiment":"neutral","sentiment_score":0.026082384089628857},{"text":"You're a bit overweighted in there at the moment.","start":249.045,"end":251.02,"sentiment":"neutral","sentiment_score":-0.19535552461942038},{"text":"We wanna bring that back a little bit, especially given","start":251.02,"end":254.22,"sentiment":"neutral","sentiment_score":-0.06493468582630157}],"sentiment":"neutral","sentiment_score":0.015409136555441048,"channel":0,"num_words":46,"start":241.92499,"end":254.22},{"sentences":[{"text":"Yep.","start":254.05,"end":254.55,"sentiment":"neutral","sentiment_score":-0.01101500540971756}],"sentiment":"neutral","sentiment_score":-0.01101500540971756,"channel":1,"num_words":1,"start":254.05,"end":254.55},{"sentences":[{"text":"what we're, you know, facing at the moment there.","start":254.22,"end":256.54,"sentiment":"neutral","sentiment_score":-0.11611050615708034},{"text":"We don't wanna be overweight and taking on too much risk.","start":256.54,"end":259.34,"sentiment":"neutral","sentiment_score":-0.24795063720508057},{"text":"You wanna be within your risk profile, but not over reweighting and reducing some of the S and P 500 down to 24% for you.","start":259.34,"end":268.745,"sentiment":"neutral","sentiment_score":0.10906612545251847},{"text":"We're keeping all of the the cybersecurity.","start":269.125,"end":270.905,"sentiment":"neutral","sentiment_score":0.28052225708961487},{"text":"It is the great area to hold.","start":271.28497,"end":273.06497,"sentiment":"positive","sentiment_score":0.3819662034511566}],"sentiment":"neutral","sentiment_score":0.06087492873608056,"channel":0,"num_words":59,"start":254.22,"end":273.06497},{"sentences":[{"text":"Physical gold, you're still gonna hold that.","start":273.44498,"end":275.365,"sentiment":"neutral","sentiment_score":0.11120260719742094},{"text":"We are just rebalancing it back because you're a bit overweighted there at the moment.","start":275.365,"end":279.18,"sentiment":"neutral","sentiment_score":0.04453947097063064},{"text":"So we'll bring that back and realign it to the 10% you should have, and then we're adding some physical silver in there as well at about 5%.","start":279.56,"end":286.54,"sentiment":"neutral","sentiment_score":0.18360854738524982},{"text":"I have put less in there than you do physical gold because physical gold tends to get greater returns, but it's more defensive in nature.","start":286.76,"end":294.08502,"sentiment":"neutral","sentiment_score":0.07497004628181457},{"text":"Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold.","start":294.625,"end":301.185,"sentiment":"neutral","sentiment_score":0.17578938841819763}],"sentiment":"neutral","sentiment_score":0.12856535509228706,"channel":0,"num_words":100,"start":273.44498,"end":301.185},{"sentences":[{"text":"So you are gonna hold a bit of gold and a 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rebalance.","start":317.31497,"end":319.25497,"sentiment":"neutral","sentiment_score":0.0024482605180570056},{"text":"We had to sell down some of the ClearBridge infrastructure.","start":319.31497,"end":321.735,"sentiment":"neutral","sentiment_score":-0.06165679488331079},{"text":"So in order you're only allowed to in in these sorts of portfolios have a certain amount of alternative assets, which are your gold, your silvers, and certain infrastructure funds.","start":321.875,"end":331.97498,"sentiment":"neutral","sentiment_score":0.02324582329019904}],"sentiment":"neutral","sentiment_score":0.00031226563795998285,"channel":0,"num_words":74,"start":309.6,"end":331.97498},{"sentences":[{"text":"Is","start":332.05002,"end":332.55002,"sentiment":"neutral","sentiment_score":0.009046509861946106}],"sentiment":"neutral","sentiment_score":0.009046509861946106,"channel":1,"num_words":1,"start":332.05002,"end":332.55002},{"sentences":[{"text":"So we didn't wanna sort of lose out on the gold and the silver, so we're selling down some of the infrastructure you have to account for adding the gold and the silver in there and keeping up the higher rate for you.","start":332.29,"end":343.01,"sentiment":"neutral","sentiment_score":0.054110263062770975},{"text":"Okay?","start":343.01,"end":343.51,"sentiment":"neutral","sentiment_score":0.04204429313540459},{"text":"Yeah.","start":344.805,"end":345.305,"sentiment":"neutral","sentiment_score":0.014883814379572868}],"sentiment":"neutral","sentiment_score":0.052970431538091764,"channel":0,"num_words":45,"start":332.29,"end":345.305},{"sentences":[{"text":"is it better to stay with the other funds rather than go down the path of gold and silver, or is it much, much less?","start":345.245,"end":350.945,"sentiment":"neutral","sentiment_score":-0.047661849558353425}],"sentiment":"neutral","sentiment_score":-0.047661849558353425,"channel":1,"num_words":25,"start":345.245,"end":350.945},{"sentences":[{"text":"No.","start":351.125,"end":351.445,"sentiment":"neutral","sentiment_score":-0.10325738787651062},{"text":"It's actually working out a lot better for you.","start":351.445,"end":353.525,"sentiment":"neutral","sentiment_score":0.250626352098253},{"text":"So when I kind of looked at everything with regard to the portfolio there, the CGT consequences for making these changes is only $209.","start":353.525,"end":362.64,"sentiment":"neutral","sentiment_score":0.1229758186576267},{"text":"So we expect your fund to just have a tax consequence of $209 to make all these changes.","start":362.64,"end":368.42,"sentiment":"neutral","sentiment_score":0.24179782138930428},{"text":"It actually does bring","start":368.64,"end":369.6,"sentiment":"positive","sentiment_score":0.5596760213375092}],"sentiment":"neutral","sentiment_score":0.20883686248479144,"channel":0,"num_words":56,"start":351.125,"end":369.6},{"sentences":[{"text":"Yep.","start":369.41998,"end":369.915,"sentiment":"positive","sentiment_score":0.5551814436912537}],"sentiment":"positive","sentiment_score":0.5551814436912537,"channel":1,"num_words":1,"start":369.41998,"end":369.915},{"sentences":[{"text":"you back in line with your growth portfolio.","start":369.6,"end":371.505,"sentiment":"positive","sentiment_score":0.5493809059262276},{"text":"You were just a little bit overweighted slightly, so bringing it back more in line with where you should be, making sure not to overexpose you to risk, especially in this kind of climate we're in.","start":371.505,"end":381.76498,"sentiment":"neutral","sentiment_score":0.1659914083364937},{"text":"And it 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moment.","start":408.235,"end":411.33002,"sentiment":"neutral","sentiment_score":-0.12427100911736488}],"sentiment":"neutral","sentiment_score":-0.08330775861713019,"channel":0,"num_words":55,"start":397.035,"end":411.33002},{"sentences":[{"text":"So but, look, honestly, this is putting you back in line with your risk profile.","start":411.33002,"end":415.75,"sentiment":"neutral","sentiment_score":0.3156909505526225},{"text":"It's also lower cost in investment fees.","start":415.97,"end":418.05,"sentiment":"positive","sentiment_score":0.3470405318907329},{"text":"So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic.","start":418.05,"end":425.575,"sentiment":"positive","sentiment_score":0.498489457827348},{"text":"So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any","start":425.875,"end":436.27,"sentiment":"positive","sentiment_score":0.5458078919909894}],"sentiment":"positive","sentiment_score":0.4698903303593397,"channel":0,"num_words":80,"start":411.33002,"end":436.27},{"sentences":[{"text":"Lovely.","start":436.245,"end":436.745,"sentiment":"positive","sentiment_score":0.3655529022216797}],"sentiment":"positive","sentiment_score":0.3655529022216797,"channel":1,"num_words":1,"start":436.245,"end":436.745},{"sentences":[{"text":"underperforming investments, and it's also been performing better.","start":436.27,"end":440.05,"sentiment":"positive","sentiment_score":0.33623575791716576},{"text":"So when we consider the portfolio you were invested, the one we are recommending, when we look at the last of the three years, we have to use a three year rolling average for this because the bank hybrids haven't been around long enough to give us five years.","start":440.19,"end":452.14502,"sentiment":"neutral","sentiment_score":0.07572840207389422},{"text":"But when we compare the","start":452.525,"end":453.64502,"sentiment":"neutral","sentiment_score":0.05036961063742638}],"sentiment":"neutral","sentiment_score":0.10729719061524637,"channel":0,"num_words":62,"start":436.27,"end":453.64502},{"sentences":[{"text":"Yes.","start":453.58,"end":454.08,"sentiment":"neutral","sentiment_score":0.05789051577448845}],"sentiment":"neutral","sentiment_score":0.05789051577448845,"channel":1,"num_words":1,"start":453.58,"end":454.08},{"sentences":[{"text":"two different funds, your previous portfolio has averaged about 14.2 over the past three years.","start":453.64502,"end":460.305,"sentiment":"neutral","sentiment_score":0.06255857224265735},{"text":"The newer portfolio, which is being recommended, can average or has averaged about 18.43%.","start":460.4,"end":466.16,"sentiment":"neutral","sentiment_score":0.16976372791188105},{"text":"So it has had a greater average return over the past couple of years, which can put you in a better position depending on markets and how they react to obtain greater growth down the track there as well.","start":466.16,"end":477.095,"sentiment":"positive","sentiment_score":0.38977945920748586},{"text":"So it's just another benefit for being able to make these changes.","start":477.095,"end":481.27502,"sentiment":"positive","sentiment_score":0.48450036346912384},{"text":"While the portfolios do and have seen greater past performances, it's important to know I don't expect you're gonna get 18% every year over the next sort of five to ten years.","start":481.975,"end":491.2,"sentiment":"neutral","sentiment_score":0.03252340306062251}],"sentiment":"neutral","sentiment_score":0.22652877627738885,"channel":0,"num_words":112,"start":453.64502,"end":491.2},{"sentences":[{"text":"But if Martha's react the way, you know, they have in the past, if you do happen to get, you know, close to that kind of 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along.","start":636.99,"end":644.61,"sentiment":"neutral","sentiment_score":0.020699850323580904},{"text":"Yeah.","start":645.015,"end":645.515,"sentiment":"neutral","sentiment_score":0.0762622058391571}],"sentiment":"neutral","sentiment_score":0.018540644288494636,"channel":0,"num_words":41,"start":634.26996,"end":645.515},{"sentences":[{"text":"Yeah.","start":646.22003,"end":646.38,"sentiment":"neutral","sentiment_score":0.1420058310031891},{"text":"You just gotta ride the wave out.","start":646.38,"end":647.74,"sentiment":"positive","sentiment_score":0.3519913213593619},{"text":"I hope we come out on top.","start":647.74,"end":649.2,"sentiment":"positive","sentiment_score":0.4515731377261026}],"sentiment":"positive","sentiment_score":0.38446380297342936,"channel":1,"num_words":15,"start":646.22003,"end":649.2},{"sentences":[{"text":"Absolutely.","start":649.97504,"end":650.47504,"sentiment":"positive","sentiment_score":0.40959590673446655},{"text":"The good thing is the investments 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have withstood those ups and downs, and they're still progressing come out.","start":668.55,"end":672.14996,"sentiment":"neutral","sentiment_score":0.18834797407572085},{"text":"So it is really good to make sure you are in those sorts of investments, and we would never put you in anything crazy or speculative.","start":672.14996,"end":677.985,"sentiment":"neutral","sentiment_score":0.15993552110516107},{"text":"So yeah.","start":678.285,"end":679.265,"sentiment":"neutral","sentiment_score":0.120023213326931},{"text":"Yep.","start":679.325,"end":679.825,"sentiment":"neutral","sentiment_score":0.19535112380981445}],"sentiment":"neutral","sentiment_score":0.16767249433767228,"channel":0,"num_words":42,"start":668.55,"end":679.825},{"sentences":[{"text":"Sounds good.","start":679.74,"end":680.56,"sentiment":"neutral","sentiment_score":0.30900998413562775},{"text":"No.","start":680.62,"end":680.86,"sentiment":"neutral","sentiment_score":0.23957911133766177},{"text":"It sounds 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have outlined the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well with the beneficiary nominations as we kinda went through last time.","start":685.40497,"end":695.2,"sentiment":"neutral","sentiment_score":0.0910124382270234},{"text":"We'll just make sure those are completed and added to your super fund and your life insurance policy, noting a 100% to be passed to your partner.","start":695.34,"end":703.28,"sentiment":"neutral","sentiment_score":0.14316990474859873}],"sentiment":"neutral","sentiment_score":0.13495051367756197,"channel":0,"num_words":68,"start":682.52496,"end":703.28},{"sentences":[{"text":"Yep.","start":703.21,"end":703.71,"sentiment":"neutral","sentiment_score":0.09064382314682008}],"sentiment":"neutral","sentiment_score":0.09064382314682008,"channel":1,"num_words":1,"start":703.21,"end":703.71},{"sentences":[{"text":"I have noted them as being a binding, non lapsing nomination for you as a 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to.","start":716.99,"end":726.11,"sentiment":"neutral","sentiment_score":0.09359078397673945},{"text":"So I'll make sure my team help you to follow-up and get that sorted.","start":726.11,"end":730.05,"sentiment":"neutral","sentiment_score":0.11310899843062673},{"text":"Okay?","start":730.19,"end":730.69,"sentiment":"neutral","sentiment_score":0.10570911318063736}],"sentiment":"neutral","sentiment_score":0.09979455205409424,"channel":0,"num_words":46,"start":716.99,"end":730.69},{"sentences":[{"text":"Beautiful.","start":730.89,"end":731.39,"sentiment":"positive","sentiment_score":0.4011065363883972},{"text":"Lovely.","start":731.69,"end":732.19,"sentiment":"positive","sentiment_score":0.35513055324554443},{"text":"No.","start":732.25,"end":732.57,"sentiment":"neutral","sentiment_score":0.2253798544406891}],"sentiment":"neutral","sentiment_score":0.3272056480248769,"channel":1,"num_words":3,"start":730.89,"end":732.57},{"sentences":[{"text":"Beautiful.","start":732.565,"end":733.065,"sentiment":"positive","sentiment_score":0.3960763812065125}],"sentiment":"positive","sentiment_score":0.3960763812065125,"channel":0,"num_words":1,"start":732.565,"end":733.065},{"sentences":[{"text":"Appreciate 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said, as long as you if you are more than happy with it and","start":735.93,"end":740.83,"sentiment":"neutral","sentiment_score":0.2514341523249944}],"sentiment":"neutral","sentiment_score":0.2514341523249944,"channel":1,"num_words":15,"start":735.93,"end":740.83},{"sentences":[{"text":"Yeah.","start":741.525,"end":742.025,"sentiment":"neutral","sentiment_score":0.09234156459569932}],"sentiment":"neutral","sentiment_score":0.09234156459569932,"channel":0,"num_words":1,"start":741.525,"end":742.025},{"sentences":[{"text":"you can see the growth in it, 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later.","start":1077.249,"end":1078.069,"sentiment":"positive","sentiment_score":0.49977168440818787},{"text":"Bye.","start":1078.5289,"end":1079.0289,"sentiment":"neutral","sentiment_score":-0.11646509170532228}],"sentiment":"positive","sentiment_score":0.4677296231190364,"channel":0,"num_words":6,"start":1076.609,"end":1079.0289}]},"summary":{"result":"success","short":"The speaker discusses their full licensed adviser, risk profile, investments, and retirement savings program with the full adviser. They emphasize the importance of removing underperforming investments and making necessary changes to maintain a stable portfolio. The speaker emphasizes the benefits of investing in the market and offers a call with a partner to explain their services and goals. The conversation ends with pleasantries and wishes for the holidays."},"intents":{"segments":[{"text":"Now with this one here on the front of the document, just to hit those points that I have to make sure I touch for you, the document has been prepared for yourself as of yesterday's date there.","start_word":176,"end_word":213,"intents":[{"intent":"Provide document","confidence_score":0.009630959}]},{"text":"The current insurance policy that you do hold noted in there, we're not touching on insurances at the moment. It has only been scoped into a limited basis there because it does have an effect on your overall retirement income.","start_word":323,"end_word":362,"intents":[{"intent":"Discuss retirement income","confidence_score":0.025041308}]},{"text":"The also, do you have all of your assets and liabilities noted as per our last conversation.","start_word":395,"end_word":411,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.31736827}]},{"text":"So, essentially, what we are looking at with regard to the super debt is making sure that you are invested in line with your risk profile as well as making those changes.","start_word":471,"end_word":502,"intents":[{"intent":"Discuss super debt","confidence_score":0.042304132}]},{"text":"You may have mentioned that you wanted to see some extra, maybe a bit of gold and or silver in your portfolio.","start_word":503,"end_word":524,"intents":[{"intent":"Discuss gold and silver","confidence_score":0.29330042}]},{"text":"We are also removing any underperforming investments that have been along Australian Equities, which is the one we discussed, has been underperforming, was more of an actively managed component in your super there, but they have had some problems and are no longer a valuable asset to hold at this point in time.","start_word":625,"end_word":677,"intents":[{"intent":"Discuss underperforming investments","confidence_score":0.32062367}]},{"text":"This is more passively managed. It's actually cheaper, and it's gonna be it's still giving you access to the top 200 companies on the ASX, so it is tracking the top 200 companies there.","start_word":726,"end_word":759,"intents":[{"intent":"Explain benedict","confidence_score":0.00008422852},{"intent":"Discuss beta shares","confidence_score":0.08305331}]},{"text":"We are just rebalancing the S and P 500.","start_word":891,"end_word":899,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.02266693}]},{"text":"I have put less in there than you do physical gold because physical gold tends to get greater returns, but it's more defensive in nature. Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold. So you are gonna hold a bit of gold and a bit of silver. About 10% of gold and 5% of silver is gonna be added in there for you as well. Yep.","start_word":1029,"end_word":1111,"intents":[{"intent":"Manage gold","confidence_score":0.019973826}]},{"text":"Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold. So you are gonna hold a bit of gold and a bit of silver. About 10% of gold and 5% of silver is gonna be added in there for you as well.","start_word":1054,"end_word":1110,"intents":[{"intent":"Add silver","confidence_score":0.17948996}]},{"text":"So in order you're only allowed to in in these sorts of portfolios have a certain amount of alternative assets, which are your gold, your silvers, and certain infrastructure funds. Is So we didn't wanna sort of lose out on the gold and the silver, so we're selling down some of the infrastructure you have to account for adding the gold and the silver in there and keeping up the higher rate for you. Okay?","start_word":1156,"end_word":1230,"intents":[{"intent":"Balance portfolios and reduce costs","confidence_score":0.00016244077}]},{"text":"So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic.","start_word":1489,"end_word":1514,"intents":[{"intent":"Save money and perform better","confidence_score":0.0010806499}]},{"text":"So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic. So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any Lovely.","start_word":1489,"end_word":1547,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.011756251},{"intent":"Assess portfolio performance","confidence_score":0.10403758}]},{"text":"So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic. So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any Lovely. underperforming investments, and it's also been performing better.","start_word":1489,"end_word":1555,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.034496866}]},{"text":"While the portfolios do and have seen greater past performances, it's important to know I don't expect you're gonna get 18% every year over the next sort of five to ten years.","start_word":1690,"end_word":1721,"intents":[{"intent":"Discuss future performance","confidence_score":0.0002772639}]},{"text":"at the end of the day, my portfolio does well. You guys do well. So Absolutely.","start_word":1915,"end_word":1930,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.25530806}]},{"text":"We have income. We have expendable income currently. So there's a few different fronts that we're facing, and it's just a matter of seeing where this is gonna go over the next few months and sort of track it along. Yeah.","start_word":2238,"end_word":2278,"intents":[{"intent":"Track progress","confidence_score":0.66601795}]},{"text":"The good thing is the investments that you are invested have seen these sorts of downturns. They've been through investment downturns like, say, the bond crashes. They've been through fixed interest downturns. They've seen, like, the the COVID downturn, the g f, things like that, and they've come out on top.","start_word":2294,"end_word":2344,"intents":[{"intent":"Highlight investments","confidence_score":0.0128276}]},{"text":"We'll just make sure those are completed and added to your super fund and your life insurance policy, noting a 100% to be passed to your partner.","start_word":2444,"end_word":2470,"intents":[{"intent":"Completion nominations","confidence_score":0.0060546044}]},{"text":"I said, as long as you if you are more than happy with it and Yeah.","start_word":2575,"end_word":2590,"intents":[{"intent":"Verify satisfaction","confidence_score":0.0021484187}]},{"text":"Did you wanna book a time now, or did you wanna have a chat to her first and I maybe touch base in the next few weeks and see if we book in a time then?","start_word":2718,"end_word":2753,"intents":[{"intent":"Book meeting","confidence_score":0.009056014}]},{"text":"Is that okay?","start_word":3267,"end_word":3269,"intents":[{"intent":"Promote financial advice","confidence_score":0.009769003}]},{"text":"I've set that up automatically for you.","start_word":3405,"end_word":3411,"intents":[{"intent":"Set up email","confidence_score":0.0003511847}]}]},"sentiments":{"segments":[{"text":"Oh, it's maybe down. Hi, Reese. How are you?","start_word":0,"end_word":8,"sentiment":"neutral","sentiment_score":0.1072392463684082},{"text":"Good. Yourself? I'm very well. Thank you. Is now a better time there Yeah.","start_word":9,"end_word":22,"sentiment":"positive","sentiment_score":0.546269416809082},{"text":"for Yeah. you? Yeah. Sorry. Yeah. I was just in the pool, so it would have been a conversation of yelling and hoping that the reception stays in. That's That's absolutely okay. It's not a problem at all. I know you are with the kids, so I'll try not to take up too much of your time alright. there. But if you do need me to stop or pause, please let me know. Okay?","start_word":23,"end_word":96,"sentiment":"neutral","sentiment_score":0.04260668158531189},{"text":"All good.","start_word":97,"end_word":98,"sentiment":"positive","sentiment_score":0.3867757022380829},{"text":"Now I have emailed the document through to you as well. Do you have access to that in at the moment, or did you want me just to go through it all and then I can you can have a bit of a range for it later? What's your preference Just there? run through it, and I'll have a read Yep. through it later tonight if that works.","start_word":99,"end_word":166,"sentiment":"neutral","sentiment_score":0.09055163711309432},{"text":"That's absolutely fine. It's not a problem at all.","start_word":167,"end_word":175,"sentiment":"positive","sentiment_score":0.39717942476272583},{"text":"Now with this one here on the front of the document, just to hit those points that I have to make sure I touch for you, the document has been prepared for yourself as of yesterday's date there. The document has been prepared by myself and my lovely team here at OQ Financial. I am a full licensed adviser, so my registration number with ASIC is 1304394. In the front of the document, we do outline the scoping to areas that we are touching on with regards to the advice. We've got the superannuation, looking at making some investments which is there for you, and then also the estate planning. So one of the things is making sure your beneficiary nominations are in line and nominated to your partner in the event you would have passed away. Okay? Yeah. We do also have your updated super details. The current insurance policy that you do hold noted in there, we're not touching on insurances at the moment. It has only been scoped into a limited basis there because it does have an effect on your overall retirement income. Your insurance premiums are paid out of super, so it is included in the projection table in there, which you'll be able to have a look at as well. Okay?","start_word":176,"end_word":392,"sentiment":"neutral","sentiment_score":0.09366744873435816},{"text":"Lovely. Excellent.","start_word":393,"end_word":394,"sentiment":"positive","sentiment_score":0.7184649705886841},{"text":"The also, do you have all of your assets and liabilities noted as per our last conversation. When you do review that one later, if you do find there's any changes that you wanna make to those, absolutely fine. Please let us know. We can have that updated for you. The assets and liabilities have no effect on the on the advice document at all so far, which is a good thing. Okay. Alright.","start_word":395,"end_word":468,"sentiment":"neutral","sentiment_score":0.17503660917282104},{"text":"Beautiful. Perfect.","start_word":469,"end_word":470,"sentiment":"positive","sentiment_score":0.642999529838562},{"text":"So, essentially, what we are looking at with regard to the super debt is making sure that you are invested in line with your risk profile as well as making those changes. You may have mentioned that you wanted to see some extra, maybe a bit of gold and or silver in your portfolio. We did already have physical gold. So we're looking at adding some silver in there to give you a a bit more diversification, looking at growth investments that have got potential for long term credit growth, but also can act defensively at certain times for you, which isn't a bad thing given the current climate we're in at the moment. We are looking at switching out the bank hybrids there. Bank hybrids, as we discussed last time, are about to be phased out by the government, so we are just switching those out while we are making the changes now. We are also removing any underperforming investments that have been along Australian Equities, which is the one we discussed, has been underperforming, was more of an actively managed component in your super there, but they have had some problems and are no longer a valuable asset to hold at this point in time. So what we're gonna do in order to replace the Ben along Australian Equities and make sure you still have access to the Australian Equities portion of your portfolio, because it is still a good place to hold, we are gonna look at the beta shares a 200. This is more passively managed. It's actually cheaper, and it's gonna be it's still giving you access to the top 200 companies on the ASX, so it is tracking the top 200 companies there.","start_word":471,"end_word":759,"sentiment":"neutral","sentiment_score":0.07601618021726608},{"text":"One of the good things about this investment is that it does track an industry.","start_word":760,"end_word":774,"sentiment":"positive","sentiment_score":0.512417197227478},{"text":"So, essentially, if the the maker of the industry actually meets every quarter and if, say, a company doesn't fit the criteria to be in the top 200, they are removed out of that. And so as a passively managed fund tends to track the industry as well, they do remove those out of the investments.","start_word":775,"end_word":830,"sentiment":"neutral","sentiment_score":0.05998176336288452},{"text":"So you are always tracking the top 200 companies in Australia, which makes it more valuable for your portfolio. And it's also cheaper than holding Ben along, so it's gonna work out better for you long term as well. Okay? Sounds good.","start_word":831,"end_word":872,"sentiment":"positive","sentiment_score":0.6181977391242981},{"text":"So we're removing the bank hybrids. We're moving all of the Ben along there for you as well. We are just rebalancing the S and P 500. You're a bit overweighted in there at the moment. We wanna bring that back a little bit, especially given Yep. what we're, you know, facing at the moment there. We don't wanna be overweight and taking on too much risk. You wanna be within your risk profile, but not over reweighting and reducing some of the S and P 500 down to 24% for you. We're keeping all of the the cybersecurity.","start_word":873,"end_word":971,"sentiment":"neutral","sentiment_score":0.011340221390128136},{"text":"It is the great area to hold.","start_word":972,"end_word":978,"sentiment":"positive","sentiment_score":0.3873618543148041},{"text":"Physical gold, you're still gonna hold that. We are just rebalancing it back because you're a bit overweighted there at the moment. So we'll bring that back and realign it to the 10% you should have, and then we're adding some physical silver in there as well at about 5%. I have put less in there than you do physical gold because physical gold tends to get greater returns, but it's more defensive in nature. Still holding a bit of silver is really important and does act defensively, but gold is still the primary and the best one to hold. So you are gonna hold a bit of gold and a bit of silver. About 10% of gold and 5% of silver is gonna be added in there for you as well. Yep. We've also got so as I mentioned, we've got the the a 200 being added in there for you instead of Bennelong, which we are completely removing. And then we're also just gonna rebalance. We had to sell down some of the ClearBridge infrastructure. So in order you're only allowed to in in these sorts of portfolios have a certain amount of alternative assets, which are your gold, your silvers, and certain infrastructure funds. Is So we didn't wanna sort of lose out on the gold and the silver, so we're selling down some of the infrastructure you have to account for adding the gold and the silver in there and keeping up the higher rate for you. Okay? Yeah. is it better to stay with the other funds rather than go down the path of gold and silver, or is it much, much less? No. It's actually working out a lot better for you. So when I kind of looked at everything with regard to the portfolio there, the CGT consequences for making these changes is only $209. So we expect your fund to just have a tax consequence of $209 to make all these changes.","start_word":979,"end_word":1308,"sentiment":"neutral","sentiment_score":0.09252376484148432},{"text":"It actually does bring Yep. you back in line with your growth portfolio.","start_word":1309,"end_word":1321,"sentiment":"positive","sentiment_score":0.5463788509368896},{"text":"You were just a little bit overweighted slightly, so bringing it back more in line with where you should be, making sure not to overexpose you to risk, especially in this kind of climate we're in. And it actually Yeah. Currently, reduces with your, yeah, it I was just saying sorry. the current climate, the risk yeah. It it plays safe at the moment. It just seems there's a lot of uncertainties at the moment. For the next two years, at Absolutely. least, there'll be a lot of uncertainties. Absolutely. Yeah. We're sort of looking short term at the moment. We certainly hope it doesn't last that long, but, I mean, with the war happening in one aspect but then here in Australia, we also still have high inflation rates. So we're sort of getting hit on more than one front at the moment. So but, look, honestly, this is putting you back in line with your risk profile.","start_word":1322,"end_word":1480,"sentiment":"neutral","sentiment_score":0.014784885570406914},{"text":"It's also lower cost in investment fees. So when I looked at the difference in the portfolios there, it actually saves you about $280 in the way of investment fees, which is fantastic. So the saving in the investment fee actually outweighs the CGT consequence for making the changes, gives you a bit of silver in there, and just rebalances your portfolio back, removes any Lovely.","start_word":1481,"end_word":1546,"sentiment":"positive","sentiment_score":0.4998218277187058},{"text":"underperforming investments, and it's also been performing better. So when we consider the portfolio you were invested, the one we are recommending, when we look at the last of the three years, we have to use a three year rolling average for this because the bank hybrids haven't been around long enough to give us five years. But when we compare the Yes. two different funds, your previous portfolio has averaged about 14.2 over the past three years. The newer portfolio, which is being recommended, can average or has averaged about 18.43%.","start_word":1547,"end_word":1638,"sentiment":"neutral","sentiment_score":0.11682934314012527},{"text":"So it has had a greater average return over the past couple of years, which can put you in a better position depending on markets and how they react to obtain greater growth down the track there as well. So it's just another benefit for being able to make these changes.","start_word":1639,"end_word":1689,"sentiment":"positive","sentiment_score":0.4131966829299927},{"text":"While the portfolios do and have seen greater past performances, it's important to know I don't expect you're gonna get 18% every year over the next sort of five to ten years. But if Martha's react the way, you know, they have in the past, if you do happen to get, you know, close to that kind of return, we do have a projection that shows where you could end up, and we could see you over the next ten years end up with a bit over $500,000. Okay?","start_word":1690,"end_word":1778,"sentiment":"neutral","sentiment_score":0.07374235987663269},{"text":"Sounds good to me.","start_word":1779,"end_word":1782,"sentiment":"positive","sentiment_score":0.5286596417427063},{"text":"Yeah.","start_word":1783,"end_word":1783,"sentiment":"neutral","sentiment_score":0.33321571350097656},{"text":"All good.","start_word":1784,"end_word":1785,"sentiment":"positive","sentiment_score":0.430957168340683},{"text":"All in all, it's making the changes that you were after, rebalancing the portfolio back, adding in some more of those commodities, which is really important, removing the under underperforming investment option, and making sure to get rid of the the bank hybrids as well, which is also gonna be phased out for you.","start_word":1786,"end_word":1839,"sentiment":"neutral","sentiment_score":0.17391212284564972},{"text":"So it works really well in your favor. It's in best interest for you. It saves you on fees, and the fees also out better the saving on fees is bigger, sorry, than the CGT consequence your fund would have to deal with as well. And it's performed better in the Yep. past as well, so it's kind of a a win win scenario with that one for you.","start_word":1840,"end_word":1908,"sentiment":"positive","sentiment_score":0.4679819777391959},{"text":"Okay?","start_word":1909,"end_word":1909,"sentiment":"neutral","sentiment_score":0.2779775857925415},{"text":"Sounds good. Well, All good? at the end of the day, my portfolio does well. You guys do well. So Absolutely. That's exactly right. Your ongoing service fee is linked to us, so we wanted to definitely do well.","start_word":1910,"end_word":1948,"sentiment":"positive","sentiment_score":0.457626610994339},{"text":"And in this time, so there is a bit of uncertainty and a bit of volatility out there. We know that the markets are expecting a bit of a downturn, so we also know that our fee is gonna take a bit of a dip there with it. And that's really important that we're following along with what's happening in the market. Yeah. Well, yeah, that's the thing. Their markets are unsure. So there is definitely a downfall coming at some point which will affect everything. Yeah. So rather Yeah. yeah. I can agree Well, that. we we we were able to catch up with some of the economists yesterday when we did a bit of a meeting with a BlackRock investment team, and they've sort of made mention that they're seeing whilst the you know, no one hopes the war is gonna go on for a long time, but there is that expectation that it may not be an you know, a one or two month sort of thing. It may go on a bit longer. That the other side of it, they're expecting quite high inflation. So we just have to sort of wait and see. But with the oil prices the way they are, even with the, you know, even with the excise being reduced, oil is still quite high. And if oil continues to get higher in prices per barrel, we're gonna see that excise have less of an effect. Inflation is still technically very high. They are certainly hoping that this will change with the changes they're making to the credit card surcharges. But at the end of the day, we still have a really good job market. So people are still spending. We have income. We have expendable income currently. So there's a few different fronts that we're facing, and it's just a matter of seeing where this is gonna go over the next few months and sort of track it along. Yeah. Yeah.","start_word":1949,"end_word":2278,"sentiment":"neutral","sentiment_score":-0.0659657836299051},{"text":"You just gotta ride the wave out. I hope we come out on top. Absolutely.","start_word":2279,"end_word":2293,"sentiment":"positive","sentiment_score":0.39549481868743896},{"text":"The good thing is the investments that you are invested have seen these sorts of downturns. They've been through investment downturns like, say, the bond crashes. They've been through fixed interest downturns. They've seen, like, the the COVID downturn, the g f, things like that, and they've come out on top. So it you're That's in good investments tonight. that have withstood those ups and downs, and they're still progressing come out. So it is really good to make sure you are in those sorts of investments, and we would never put you in anything crazy or speculative. So yeah. Yep. Sounds good. No.","start_word":2294,"end_word":2397,"sentiment":"neutral","sentiment_score":0.14988498389720917},{"text":"It sounds really Beautiful. good. Excellent.","start_word":2398,"end_word":2403,"sentiment":"positive","sentiment_score":0.4118867516517639},{"text":"I will let you have a bit of a read through that. I have outlined the advantages, disadvantages, the risks involved, and any alternatives that I've considered as well with the beneficiary nominations as we kinda went through last time. We'll just make sure those are completed and added to your super fund and your life insurance policy, noting a 100% to be passed to your partner. Yep. I have noted them as being a binding, non lapsing nomination for you as a recommendation. So a binding nomination binds the trustee to follow that direction you've made so long as the direction is made under a valid nomination. And then non Yep. lapsing means you only have to select the nomination once, and we don't have to rechange it until your wishes change on who you want the funds to be paid to. So I'll make sure my team help you to follow-up and get that sorted. Okay?","start_word":2404,"end_word":2561,"sentiment":"neutral","sentiment_score":0.11266190558671953},{"text":"Beautiful. Lovely.","start_word":2562,"end_word":2563,"sentiment":"positive","sentiment_score":0.3781185448169708},{"text":"No.","start_word":2564,"end_word":2564,"sentiment":"neutral","sentiment_score":0.2253798544406891},{"text":"Beautiful. Appreciate the work.","start_word":2565,"end_word":2568,"sentiment":"positive","sentiment_score":0.4102358818054199},{"text":"That's okay. Yeah. All As good. I said, as long as you if you are more than happy with it and Yeah.","start_word":2569,"end_word":2590,"sentiment":"neutral","sentiment_score":0.23379157483577728},{"text":"you can see the growth in it, which Yeah. is great. So Absolutely.","start_word":2591,"end_word":2603,"sentiment":"positive","sentiment_score":0.4777390658855438},{"text":"the other thing, sir, I have to Yeah. pay up a time for my partner to have a chat with you guys Yep. as well to try and get her super onto a better return rate. Yeah. Absolutely. Not a problem at all. Is there a certain time that we could maybe book in for the admin team to touch base and do a bit of a welcome call with her and kinda go through what we do and explain how it all works? Yeah. Probably it'd be after a couple weeks after Easter, I reckon. Or yep. After Did school you holidays. want me After to maybe school touch holidays. yeah. Yes. Okay. Did you wanna book a time now, or did you wanna have a chat to her first and I maybe touch base in the next few weeks and see if we book in a time then? What would be more preferable? Give me one second. I'll find out for you. That's okay. Can do the April 21 around 11AM. April 21 around 11AM. Yeah. Absolutely. Okay. So April 21. And so around ten was it 11AM? 11AM. Yep. Yep.","start_word":2604,"end_word":2796,"sentiment":"neutral","sentiment_score":0.08338335156440735},{"text":"Perfect. Lovely.","start_word":2797,"end_word":2798,"sentiment":"positive","sentiment_score":0.4883653521537781},{"text":"I've got one of the admin team available then. I can book it in book it in for a bit of a welcome call if that's preferable. They'll just Yep. go through how it works, what we do, how the research component goes, and then they can all organize for myself to organ to do the original research and have a chat to you about our goals and details. That works for you guys?","start_word":2799,"end_word":2872,"sentiment":"neutral","sentiment_score":0.23209014534950256},{"text":"Sounds good. Beautiful.","start_word":2873,"end_word":2875,"sentiment":"positive","sentiment_score":0.44820457696914673},{"text":"And just so you are aware as well, at the moment, your ongoing service fee is 1.65%. If your partner does come on board, we can link everything up and actually reduces your fee to 1.1, and hers is only 1.1 as well. So I don't want that to be the only reason she signs on board, but I just wanna let you know we do have that coupling fee if if your partner does decide to come Oh, yeah. on board You're with you're us as well. selling it to me with, like, a a point 5% drop on it, but, you know no. No. I had a chat with her about hers and definitely wants to pay more growth in it Yep. than what's currently happening. Yep.","start_word":2876,"end_word":3004,"sentiment":"neutral","sentiment_score":0.03851417403003966},{"text":"Perfect.","start_word":3005,"end_word":3005,"sentiment":"positive","sentiment_score":0.4113914966583252},{"text":"Is So she working at the moment? yep. Yeah.","start_word":3006,"end_word":3014,"sentiment":"neutral","sentiment_score":0.05960971117019653},{"text":"Perfect. Excellent.","start_word":3015,"end_word":3016,"sentiment":"positive","sentiment_score":0.5550970435142517},{"text":"And do you know roughly where her super is located? Host Plus? Host If not, Plus, that's I think okay. it is. Post plus. Yeah. No. Not a problem at all.","start_word":3017,"end_word":3047,"sentiment":"neutral","sentiment_score":0.08277808874845505},{"text":"Beautiful.","start_word":3048,"end_word":3048,"sentiment":"positive","sentiment_score":0.5919825434684753},{"text":"Yeah. One And of so the it's so one can of the I big four. It is yep? Host Plus.","start_word":3049,"end_word":3068,"sentiment":"neutral","sentiment_score":0.10143718123435974},{"text":"Love Post plus.","start_word":3069,"end_word":3071,"sentiment":"positive","sentiment_score":0.39267149567604065},{"text":"Awkward. And can I just grab your name for the call or for the booking as well? I'm so sorry. That's alright. Elise, e l y s e? E l y s e.","start_word":3072,"end_word":3104,"sentiment":"neutral","sentiment_score":0.015631254762411118},{"text":"Beautiful.","start_word":3105,"end_word":3105,"sentiment":"positive","sentiment_score":0.4309350848197937},{"text":"And, Alisa, I do just double check because you just never know that your surname is Farrah as well. Is that right? Yeah. At least. Yep. Yep.","start_word":3106,"end_word":3132,"sentiment":"neutral","sentiment_score":0.07731254398822784},{"text":"Lovely.","start_word":3133,"end_word":3133,"sentiment":"positive","sentiment_score":0.4639011025428772},{"text":"You just never know these days. It's always worth double I checking. am fine. Yep.","start_word":3134,"end_word":3148,"sentiment":"neutral","sentiment_score":0.18347156047821045},{"text":"Good to check. All good.","start_word":3149,"end_word":3153,"sentiment":"positive","sentiment_score":0.4428354501724243},{"text":"So I've booked that one in for you for my admin team member, Madison Lisker, to give you a call on 11AM on the April 21, which is a Tuesday. She'll go through a bit of an introduction around who we are as advisers, what we do, how our process works, and then she'll organize a time for me to she'll do some research with you on all of your financial goals and things, and then she'll book in a time for myself to go through a lot more detail around what your goals are, what you're looking at, and then myself and my team will put together some financial advice for you. Is that okay? Yeah.","start_word":3154,"end_word":3270,"sentiment":"neutral","sentiment_score":0.1979871541261673},{"text":"That's perfect.","start_word":3271,"end_word":3272,"sentiment":"positive","sentiment_score":0.6891170740127563},{"text":"Just put a note on there that if I don't answer the first time, just to give me a buzz back straight away because my phone is on work mode during the day, and it won't automatically notify me of calls. Yep. No. That's okay. Not a problem at all. And, Elise, can I just grab your contact phone number there as well? Yep. 040137 O four zero one three seven. 95 Yep. 13. 13. Perfect. I'll just read that back to you. It's 0401379513. Correct.","start_word":3273,"end_word":3358,"sentiment":"neutral","sentiment_score":0.02497660368680954},{"text":"Perfect. Well, thank you so much for that. I've booked that one in for my colleague, Madison Liska. She'll send out an email or sorry. Send out a confirmation text message just about an hour prior to let you know she'll be making the phone call. I've set that up automatically for you. And, yeah, like, it's lovely to meet you. I'm Dana.","start_word":3359,"end_word":3421,"sentiment":"positive","sentiment_score":0.5264481902122498},{"text":"I'm one of the financial advisers here.","start_word":3422,"end_word":3428,"sentiment":"neutral","sentiment_score":0.32439279556274414},{"text":"And, yeah, we'll we'll look at what we can do to certainly help you and tailor some advice to meet your needs and your goals and look forward to helping you moving forward. Thanks, Dana. Lovely to meet you That's too.","start_word":3429,"end_word":3469,"sentiment":"positive","sentiment_score":0.47279712557792664},{"text":"yeah. Not a problem.","start_word":3470,"end_word":3473,"sentiment":"neutral","sentiment_score":0.2960190773010254},{"text":"I hope you guys have a lovely afternoon and a great Easter.","start_word":3474,"end_word":3485,"sentiment":"positive","sentiment_score":0.6149695515632629},{"text":"You too.","start_word":3486,"end_word":3487,"sentiment":"neutral","sentiment_score":0.31000638008117676},{"text":"Same to you. Have a have a enjoy your holiday I will.","start_word":3488,"end_word":3499,"sentiment":"positive","sentiment_score":0.4137921333312988},{"text":"Thanks or so your time much, off. Ray. Never get Yeah. No. That's okay. It's only a week, but look, it's all good with Easter and the school holidays. It's very busy time for us all having small children. That's for Definitely. A 100%. sure. Definitely. There's No. All good. never a doll die with both kids, is there? No. That's exactly Alright. right. That's it. Reese, what I'll do is I'll send you an email, in a second from my direct email contact. So if you are reading Yep. through the document, at any point you find you have any questions, feel free to email me and let me know. Whilst I am away, I still do check my emails every so often, so I will endeavor to get back to you as quickly as possible, if not on my return, to answer any questions you have. And if you are comfortable just to proceed with the advice, I'll get you to sign and return it back for me straight away. Okay? Yep.","start_word":3500,"end_word":3673,"sentiment":"neutral","sentiment_score":0.08219875947668634},{"text":"Beautiful. I'll have a read tonight, and I'll get back to you. I'll sign it over, hopefully, tomorrow. Beautiful. Lovely. Thank you Lovely. so much. Have a great holiday have a great your school holidays for the kids, and enjoy your Easter. I hope it's lovely for you all. Thanks so much. I'll talk to you both soon. Thank you. See you later.","start_word":3674,"end_word":3736,"sentiment":"positive","sentiment_score":0.6650863289833069},{"text":"Bye.","start_word":3737,"end_word":3737,"sentiment":"neutral","sentiment_score":0.25675326585769653}],"average":{"sentiment":"neutral","sentiment_score":0.14500635017616118}}}}