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But if you do hear a bit of a baby in the background, I am just working from home today, so I do apologize. Perfect. Now I'm just gonna get this updated advice document sent through to you. Is Misha here today as well? Yep. No worries. Fantastic, Misha. How are you doing? Good to hear. Good to hear. Now I'm just gonna do the usual quick security check with you guys. I'm gonna pop this through. Now this will come through to, again, both emails for dining, but it all the same documents will be on Patrick's email. Will you be able to look on to the emails with me today? Perfect. So I'll pop that through. And just while that's coming through, could you please confirm your date of birth and address? Perfect. Thank you so much for that. And, Patrick? Perfect. Thank you guys so much for doing that. Appreciate it. Now that should come through relatively quick. It is quite a few pages of documents just because product documents tend to be a thousand pages. But if you can hop in there with me, I'll kind of go through the key points again. And, again, this is just with the new system here. So we've got a new way of adding the documents in together. Can you just let me know when you can see the first statement of advice? No worries at all. Now when you do get that, we're basically gonna run through the advice document today. What's come along with it, just to let you know what's there, is basically just like a a an appendix with some extra research and all of the updated product disclosure statements from all the different super funds insurance companies and so on. Oh, yes. That should go through to the Hotmail address. Yeah. So when you hit the sign here button, it basically just brings the documents up to scroll through first. It should give you, like, a electronic consent there. And what you should see the first one kind of like a Gold Coast beachfront city picture on it. Perfect. So if you scroll down to page four with me, you'll see the scope of advice, which is essentially what we discussed as what we're updating and what we're not giving advice on in this particular document. So just let me know when you can see the scope of advice heading. Cool. So what I've got in here is basically joint retirement goal for you guys. The main thing at the moment was just updating the investment in your super because when we went through the review, performance was looking really good, but we did just flag that one investment option that was dragging its feet a little bit. So I've just put together a few updates for you guys. Now I put in some usual reminders for estate planning just in case you guys are still putting together like a will and a power of attorney and whatnot, but your beneficiary nominations are all correct and up to date. Now outside of that, we do have on the next page what's limited scope, which is essentially the, like, insurance side of things where everything seemed pretty appropriate for the insurances, but I am just factoring in the premiums just to show you the impact that it does have on the super. As far as what we're not giving advice on today, it's mainly just around, like, cash flow, budgeting, debt management. So, obviously, Misha, you were looking to do the return to work, I believe, in August of this year. The main focus for you guys was basically just rebuild the savings, possibly looking at upgrading the family home or maybe an investment property, but that's more like a next year kind of thing. Yep. And then the other thing that we did touch on is that we might revisit some personal investing at some point, whether it's for wealth creation for you guys or investing for the children so that they have something there when they're 18 as well. So a bit of a future goal there. Perfect. Now if you go past there, there'll be in red a limited advice warning, which is just basically saying we're not giving advice on everything under the sun. And if anything that we've obtained information wise is inaccurate, that may obviously impact the recommendations. But if you can just go through past there to the about use section and the assets and liabilities on the page after that, just making sure that all that's still accurate. So I've basically included your return to work income there, Misha, which I think we've put down as about 92,000, but your full salary package includes, like, the car allowance, so it brings someone up to a 105. And, Patrick, you're still on $1.28 as the engineer. Yep. Outside of that, we've got the home, the cars, and the offset account. That's basically what we had for assets and liabilities. Anything too crazy out of the ordinary there? Perfect. And is that for both of them? Perfect. I'll update that. Patrick is work car. Is paid off. Thank you very much for that. Done and done. We've got your insurance policy underneath. So we've got the hub twenty four paid policy for Pat, which is, like, life insurance, income protection, and so on. And, Misha, yours is with Clearview. And if you keep scrolling through for me so you go through those, you've got the super. You've got the insurance protection portfolios. And then on page sort of ten, eleven, we've got your risk profiles. Cool. So, Pat, you're still high growth. Again, 90% growth assets going for as much growth as possible. Misha, we've still got you down as a a growth investor. So four out of five versus five out of five. Now the main thing is if you could please go through to page fourteen and fifteen, you'll see strategy recommendations heading, and it's quite a large sort of wall of text there under a a best interest, Judy. Perfect. So this section basically just outlines for both of you guys what we're doing and why and all the different sort of pros and cons, how it links in with your goals. So the easy summary of this is the Benelon option was underperforming. So we're updating the portfolio with a few changes. It's gonna save on some fees. There'll still be the usual brokerage fees for investments inside Hub using ETFs. And your retirement goal is still at least eighteen years away. So what I'm basically doing is just trying to make sure that over the next ten years, we're gonna get you in a better position. Once you get a bit closer to retirement, we'll kind of revisit an retirement analysis to see if you're on track and how long the funds would last when you're a little bit older. Now scrolling through that, you will see a pretty large table of, like, advantages and disadvantages. And can you just let me know when you see that there? I just wanna point out a couple to you. So the main disadvantage, obviously, there's very good fees for switching all of these investments around, around, but there's also capital gains tax. So because you're in what's called a wrap platform, we can kind of control what we buy and sell. And then under the hood inside your super, it does pay that 15% capital gains tax. Whereas for every other type of super fund that's not a wrap, it kind of just baked it. It's not really visible and not really controllable. Does that sort of make sense? Correct. Correct. So what we've done is because we can see it inside Hub and we can kind of pick and choose what we move around, I have factored in what capital gains tax will be paid under the hood just to make sure that it's still gonna be of a benefit for you to invest in the options that I picked. So if you scroll down past there, I'm not gonna go too crazy in the detail here, but page seventeen and eighteen as your existing and new portfolio on it. And you should see, like, a really big sort of blue table, heaps of figures and numbers and percentages. So left hand side of the options, the names of them. What I wanted to bring your attention to is can you see the second last column? Not sure if the figures are blurry or not, but they're kind of nice round percentages in that second last column for the target. That's basically just us reweighting the portfolio as well. Basically saying this one's going up, this one's going down, this one's going sideways. Let's bring them back to the percentages that they should be, kind of like buy low to sell high. Yep. Now the major change is in the bottom third of that table. You'll see the Benelon option that we're selling out of completely. And just below it, you'll see the option that we're switching it into, which is the Alfiniti Australian shares option. Yep. So, basically, side by side, it's about 10% less in fees and has much better performance over one, three, five, and ten years, but it still maintains that same style of active investment. So they're still trying to pick and choose investments to try and get you a better outcome. We basically agree to kind of keep the style going, but just fix that one option up. So similar thing, if you go down past there, you'll start to see Misha's table as well. Pretty similar. It's just that you've got a little bit more weighted in defensive assets because of being that growth portfolio. We want you at 80% shares property and gold, not 90%. So where that kind of comes out to is on page twenty twenty one. You'll see, like, a nice big colorful pie chart of your asset allocation. K? So what we're essentially doing is maintaining a pretty smaller amount in, like, Australian shares still. Still favoring international shares, bit of property, bit of gold. What's really important on that table is the very middle row has a growth total in gray, and you can kind of see how your risk profile, you want 90%. You're seeing sitting at 89 at the moment. We're proposing it's about 91, 92. It's basically floating right there on target. Yep. If you go past there, Misha, same thing for you. 80% for the growth total is what you need. You're sitting at 81. The new portfolio is sitting about 79. Not much too different there. But the two points of difference I wanted to show you is on the page after that for the fee comparison. Yep. So I've factored in the capital gains tax here. In the middle, you'll see that the investment fee row, it's about $280 cheaper based on the current balance. It is percentages, so the bigger your balance, the more savings. But that's just based on the figures as of that date. And then at the bottom, you can kind of see the five year performance figure, and we're kind of bringing it back up into that depth digit space. And if you go on the next page, here's your projection. Please take this with a grain of salt. But the five and ten year projection, if the market's doing what they did previously, you're pretty much looking at somewhere between 1 to 300,000 extra over the next five to ten years. But the main thing is just that table underneath. There's a real consistency in the returns. You can kind of see underneath there one, three, five, and ten years. I just wanna make sure that on every period, you're hitting that high double digits to justify the risk that you're taking. And then on the next page, Misha, you pretty much don't have anything in terms of capital gains that worry about when we rebalance your portfolio. Very small changes, but it does bump up the returns a little bit. And then on 2526, that's your projections there as well. Again, just pulling it into the double digit consistent returns. Somewhere between ten and fifty is the expected difference. Okay. Alright. Now that pretty much ends the the super strategy, which is pretty much the bulk of the document. Everything after that point is why you should put in place a will and a power of attorney. So just wanted to see if you guys had any questions at this point. No. No. That's totally cool. Look. It is just that annual reminder. And the same thing I said during the review, like, if you wanna get a basic rule kit from the post office or go to the courthouse or a solicitor, there's a few options there for you guys, but it is just one of the things that we just double check on. So outside of that, was there anything else that you guys kind of needed at the moment, or was it mainly just get this kind of engine tune going and then that catch up next time as well? Perfect. Now I wanted to just double check with you because we did do that review before I went on leave. Are you wanting me to kind of pencil in the usual twelve month catch up, or do you want me to kind of plug in for a bit more frequent quarterly, fixed monthly, and so on. Yep. Of course. If anything happens, just give us a buzz. You can call in and book in for a consultation at any point. And the usual reminder is not that we're the first port of call if something happens to you health wise, but we will help you through a claims process if you get, you know, injured or have to claim on the insurances. So if something does happen between now and then, please just give us a call, and we can kind of start that process for you. Cool. Outside of that so the main thing for signing today, you've got the authority to proceed on that document. And then, basically, when you go through this Odoo sign, the buttons will pull you to the sign spot, but there are six documents there. As you go through the documents, you pretty much just click next document, next document, unless you actually wanna scroll through all the TDSs, which is 130 pages for Clearview. We've got another 100 pages for Hub, and then Hub 24 has a 491 page investment menu that I've included for you as well for a bit of light reading on the weekend. Awesome. Mate, I'll leave you guys to it. Any other questions for me before I let you go? Well, I really appreciate you taking the time. If you have any trouble with the the signing, please just give the team a buzz. I do have the secondary email set as your Hotmail measure, underscore 05. Is that still okay? Perfect. Perfect. Anything else you need? Just let me know. No worries, guys. Have a fantastic day, and I'll talk to you again soon. Thank you. 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afternoon, Patrick. Tommy here from. How are you doing? Mate, living the dream so far. Just got back from paternity leave, so ready to get back into it.\n\nThank you. Thank you so much. But if you do hear a bit of a baby in the background, I am just working from home today, so I do apologize. Perfect. Now I'm just gonna get this updated advice document sent through to you.\n\nIs Misha here today as well? Yep. No worries. Fantastic, Misha. How are you doing?\n\nGood to hear. Good to hear. Now I'm just gonna do the usual quick security check with you guys. I'm gonna pop this through. Now this will come through to, again, both emails for dining, but it all the same documents will be on Patrick's email.\n\nWill you be able to look on to the emails with me today? Perfect. So I'll pop that through. And just while that's coming through, could you please confirm your date of birth and address? Perfect.\n\nThank you so much for that. And, Patrick? Perfect. Thank you guys so much for doing that. Appreciate it.\n\nNow that should come through relatively quick. It is quite a few pages of documents just because product documents tend to be a thousand pages. But if you can hop in there with me, I'll kind of go through the key points again. And, again, this is just with the new system here. So we've got a new way of adding the documents in together.\n\nCan you just let me know when you can see the first statement of advice? No worries at all. Now when you do get that, we're basically gonna run through the advice document today. What's come along with it, just to let you know what's there, is basically just like a a an appendix with some extra research and all of the updated product disclosure statements from all the different super funds insurance companies and so on. Oh, yes.\n\nThat should go through to the Hotmail address. Yeah. So when you hit the sign here button, it basically just brings the documents up to scroll through first. It should give you, like, a electronic consent there. And what you should see the first one kind of like a Gold Coast beachfront city picture on it.\n\nPerfect. So if you scroll down to page four with me, you'll see the scope of advice, which is essentially what we discussed as what we're updating and what we're not giving advice on in this particular document. So just let me know when you can see the scope of advice heading. Cool. So what I've got in here is basically joint retirement goal for you guys.\n\nThe main thing at the moment was just updating the investment in your super because when we went through the review, performance was looking really good, but we did just flag that one investment option that was dragging its feet a little bit. So I've just put together a few updates for you guys. Now I put in some usual reminders for estate planning just in case you guys are still putting together like a will and a power of attorney and whatnot, but your beneficiary nominations are all correct and up to date. Now outside of that, we do have on the next page what's limited scope, which is essentially the, like, insurance side of things where everything seemed pretty appropriate for the insurances, but I am just factoring in the premiums just to show you the impact that it does have on the super. As far as what we're not giving advice on today, it's mainly just around, like, cash flow, budgeting, debt management.\n\nSo, obviously, Misha, you were looking to do the return to work, I believe, in August of this year. The main focus for you guys was basically just rebuild the savings, possibly looking at upgrading the family home or maybe an investment property, but that's more like a next year kind of thing. Yep. And then the other thing that we did touch on is that we might revisit some personal investing at some point, whether it's for wealth creation for you guys or investing for the children so that they have something there when they're 18 as well. So a bit of a future goal there.\n\nPerfect. Now if you go past there, there'll be in red a limited advice warning, which is just basically saying we're not giving advice on everything under the sun. And if anything that we've obtained information wise is inaccurate, that may obviously impact the recommendations. But if you can just go through past there to the about use section and the assets and liabilities on the page after that, just making sure that all that's still accurate. So I've basically included your return to work income there, Misha, which I think we've put down as about 92,000, but your full salary package includes, like, the car allowance, so it brings someone up to a 105.\n\nAnd, Patrick, you're still on $1.28 as the engineer. Yep. Outside of that, we've got the home, the cars, and the offset account. That's basically what we had for assets and liabilities. Anything too crazy out of the ordinary there?\n\nPerfect. And is that for both of them? Perfect. I'll update that. Patrick is work car.\n\nIs paid off. Thank you very much for that. Done and done. We've got your insurance policy underneath. So we've got the hub twenty four paid policy for Pat, which is, like, life insurance, income protection, and so on.\n\nAnd, Misha, yours is with Clearview. And if you keep scrolling through for me so you go through those, you've got the super. You've got the insurance protection portfolios. And then on page sort of ten, eleven, we've got your risk profiles. Cool.\n\nSo, Pat, you're still high growth. Again, 90% growth assets going for as much growth as possible. Misha, we've still got you down as a a growth investor. So four out of five versus five out of five. Now the main thing is if you could please go through to page fourteen and fifteen, you'll see strategy recommendations heading, and it's quite a large sort of wall of text there under a a best interest, Judy.\n\nPerfect. So this section basically just outlines for both of you guys what we're doing and why and all the different sort of pros and cons, how it links in with your goals. So the easy summary of this is the Benelon option was underperforming. So we're updating the portfolio with a few changes. It's gonna save on some fees.\n\nThere'll still be the usual brokerage fees for investments inside Hub using ETFs. And your retirement goal is still at least eighteen years away. So what I'm basically doing is just trying to make sure that over the next ten years, we're gonna get you in a better position. Once you get a bit closer to retirement, we'll kind of revisit an retirement analysis to see if you're on track and how long the funds would last when you're a little bit older. Now scrolling through that, you will see a pretty large table of, like, advantages and disadvantages.\n\nAnd can you just let me know when you see that there? I just wanna point out a couple to you. So the main disadvantage, obviously, there's very good fees for switching all of these investments around, around, but there's also capital gains tax. So because you're in what's called a wrap platform, we can kind of control what we buy and sell. And then under the hood inside your super, it does pay that 15% capital gains tax.\n\nWhereas for every other type of super fund that's not a wrap, it kind of just baked it. It's not really visible and not really controllable. Does that sort of make sense? Correct. Correct.\n\nSo what we've done is because we can see it inside Hub and we can kind of pick and choose what we move around, I have factored in what capital gains tax will be paid under the hood just to make sure that it's still gonna be of a benefit for you to invest in the options that I picked. So if you scroll down past there, I'm not gonna go too crazy in the detail here, but page seventeen and eighteen as your existing and new portfolio on it. And you should see, like, a really big sort of blue table, heaps of figures and numbers and percentages. So left hand side of the options, the names of them. What I wanted to bring your attention to is can you see the second last column?\n\nNot sure if the figures are blurry or not, but they're kind of nice round percentages in that second last column for the target. That's basically just us reweighting the portfolio as well. Basically saying this one's going up, this one's going down, this one's going sideways. Let's bring them back to the percentages that they should be, kind of like buy low to sell high. Yep.\n\nNow the major change is in the bottom third of that table. You'll see the Benelon option that we're selling out of completely. And just below it, you'll see the option that we're switching it into, which is the Alfiniti Australian shares option. Yep. So, basically, side by side, it's about 10% less in fees and has much better performance over one, three, five, and ten years, but it still maintains that same style of active investment.\n\nSo they're still trying to pick and choose investments to try and get you a better outcome. We basically agree to kind of keep the style going, but just fix that one option up. So similar thing, if you go down past there, you'll start to see Misha's table as well. Pretty similar. It's just that you've got a little bit more weighted in defensive assets because of being that growth portfolio.\n\nWe want you at 80% shares property and gold, not 90%. So where that kind of comes out to is on page twenty twenty one. You'll see, like, a nice big colorful pie chart of your asset allocation. K? So what we're essentially doing is maintaining a pretty smaller amount in, like, Australian shares still.\n\nStill favoring international shares, bit of property, bit of gold. What's really important on that table is the very middle row has a growth total in gray, and you can kind of see how your risk profile, you want 90%. You're seeing sitting at 89 at the moment. We're proposing it's about 91, 92. It's basically floating right there on target.\n\nYep. If you go past there, Misha, same thing for you. 80% for the growth total is what you need. You're sitting at 81. The new portfolio is sitting about 79.\n\nNot much too different there. But the two points of difference I wanted to show you is on the page after that for the fee comparison. Yep. So I've factored in the capital gains tax here. In the middle, you'll see that the investment fee row, it's about $280 cheaper based on the current balance.\n\nIt is percentages, so the bigger your balance, the more savings. But that's just based on the figures as of that date. And then at the bottom, you can kind of see the five year performance figure, and we're kind of bringing it back up into that depth digit space. And if you go on the next page, here's your projection. Please take this with a grain of salt.\n\nBut the five and ten year projection, if the market's doing what they did previously, you're pretty much looking at somewhere between 1 to 300,000 extra over the next five to ten years. But the main thing is just that table underneath. There's a real consistency in the returns. You can kind of see underneath there one, three, five, and ten years. I just wanna make sure that on every period, you're hitting that high double digits to justify the risk that you're taking.\n\nAnd then on the next page, Misha, you pretty much don't have anything in terms of capital gains that worry about when we rebalance your portfolio. Very small changes, but it does bump up the returns a little bit. And then on 2526, that's your projections there as well. Again, just pulling it into the double digit consistent returns. Somewhere between ten and fifty is the expected difference.\n\nOkay. Alright. Now that pretty much ends the the super strategy, which is pretty much the bulk of the document. Everything after that point is why you should put in place a will and a power of attorney. So just wanted to see if you guys had any questions at this point.\n\nNo. No. That's totally cool. Look. It is just that annual reminder.\n\nAnd the same thing I said during the review, like, if you wanna get a basic rule kit from the post office or go to the courthouse or a solicitor, there's a few options there for you guys, but it is just one of the things that we just double check on. So outside of that, was there anything else that you guys kind of needed at the moment, or was it mainly just get this kind of engine tune going and then that catch up next time as well? Perfect. Now I wanted to just double check with you because we did do that review before I went on leave. Are you wanting me to kind of pencil in the usual twelve month catch up, or do you want me to kind of plug in for a bit more frequent quarterly, fixed monthly, and so on.\n\nYep. Of course. If anything happens, just give us a buzz. You can call in and book in for a consultation at any point. And the usual reminder is not that we're the first port of call if something happens to you health wise, but we will help you through a claims process if you get, you know, injured or have to claim on the insurances.\n\nSo if something does happen between now and then, please just give us a call, and we can kind of start that process for you. Cool. Outside of that so the main thing for signing today, you've got the authority to proceed on that document. And then, basically, when you go through this Odoo sign, the buttons will pull you to the sign spot, but there are six documents there. As you go through the documents, you pretty much just click next document, next document, unless you actually wanna scroll through all the TDSs, which is 130 pages for Clearview.\n\nWe've got another 100 pages for Hub, and then Hub 24 has a 491 page investment menu that I've included for you as well for a bit of light reading on the weekend. Awesome. Mate, I'll leave you guys to it. Any other questions for me before I let you go? Well, I really appreciate you taking the time.\n\nIf you have any trouble with the the signing, please just give the team a buzz. I do have the secondary email set as your Hotmail measure, underscore 05. Is that still okay? Perfect. Perfect.\n\nAnything else you need? Just let me know. No worries, guys. Have a fantastic day, and I'll talk to you again soon. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Patrick.","start":3.12,"end":4.4,"sentiment":"positive","sentiment_score":0.3373490273952484},{"text":"Tommy here from.","start":4.4,"end":5.46,"sentiment":"neutral","sentiment_score":0.29479649662971497},{"text":"How are you doing?","start":5.7599998,"end":6.66,"sentiment":"neutral","sentiment_score":0.26662420481443405},{"text":"Mate, living the dream so far.","start":8.639999,"end":10.16,"sentiment":"positive","sentiment_score":0.5633886655171713},{"text":"Just got back from paternity leave, so ready to get back into it.","start":10.16,"end":14.74,"sentiment":"neutral","sentiment_score":0.28226450658761537}],"sentiment":"positive","sentiment_score":0.3452656541405053,"num_words":29,"start":3.12,"end":14.74},{"sentences":[{"text":"Thank you.","start":17.585,"end":18.064999,"sentiment":"positive","sentiment_score":0.6678363084793091},{"text":"Thank you so much.","start":18.064999,"end":18.785,"sentiment":"positive","sentiment_score":0.5161503925919533},{"text":"But if you do hear a bit of a baby in the background, I am just working from home today, so I do apologize.","start":18.785,"end":24.005,"sentiment":"neutral","sentiment_score":-0.07775832650562127},{"text":"Perfect.","start":26.705,"end":27.18,"sentiment":"positive","sentiment_score":0.429179847240448},{"text":"Now I'm just gonna get this updated advice document sent through to you.","start":27.26,"end":31.44,"sentiment":"neutral","sentiment_score":0.1526728283900481}],"sentiment":"neutral","sentiment_score":0.08972729471596805,"num_words":44,"start":17.585,"end":31.44},{"sentences":[{"text":"Is Misha here today as well?","start":31.82,"end":33.6,"sentiment":"neutral","sentiment_score":0.07557039832075436},{"text":"Yep.","start":38.54,"end":39.04,"sentiment":"neutral","sentiment_score":0.07837584614753723},{"text":"No worries.","start":40.435,"end":42.135,"sentiment":"neutral","sentiment_score":0.08798914775252342},{"text":"Fantastic, Misha.","start":45.395,"end":46.195,"sentiment":"positive","sentiment_score":0.5212245285511017},{"text":"How are you doing?","start":46.195,"end":47.095,"sentiment":"neutral","sentiment_score":0.2960773631930351}],"sentiment":"neutral","sentiment_score":0.19563566943009694,"num_words":15,"start":31.82,"end":47.095},{"sentences":[{"text":"Good to hear.","start":49.475,"end":49.955,"sentiment":"positive","sentiment_score":0.41528546810150146},{"text":"Good to hear.","start":49.955,"end":50.595,"sentiment":"positive","sentiment_score":0.3348505198955536},{"text":"Now I'm just gonna do the usual quick security check with you guys.","start":50.595,"end":53.895,"sentiment":"neutral","sentiment_score":0.12657858832524374},{"text":"I'm gonna pop this through.","start":54.93,"end":56.63,"sentiment":"neutral","sentiment_score":0.07769240513443947},{"text":"Now this will come through to, again, both emails for dining, but it all the same documents will be on Patrick's email.","start":57.010002,"end":65.75,"sentiment":"neutral","sentiment_score":0.05896369232372804}],"sentiment":"neutral","sentiment_score":0.121338975413338,"num_words":46,"start":49.475,"end":65.75},{"sentences":[{"text":"Will you be able to look on to the emails with me today?","start":65.89,"end":68.295,"sentiment":"neutral","sentiment_score":0.0479707603271191},{"text":"Perfect.","start":70.295,"end":70.695,"sentiment":"neutral","sentiment_score":0.05639632046222687},{"text":"So I'll pop that through.","start":70.695,"end":71.735,"sentiment":"neutral","sentiment_score":0.020754882507026194},{"text":"And just while that's coming through, could you please confirm your date of birth and address?","start":71.735,"end":76.555,"sentiment":"neutral","sentiment_score":0.015848366892896593},{"text":"Perfect.","start":81.095,"end":81.595,"sentiment":"neutral","sentiment_score":0.05203869938850403}],"sentiment":"neutral","sentiment_score":0.030261199636798766,"num_words":36,"start":65.89,"end":81.595},{"sentences":[{"text":"Thank you so much for that.","start":86.409996,"end":87.689995,"sentiment":"neutral","sentiment_score":0.28245895107587177},{"text":"And, Patrick?","start":87.689995,"end":88.43,"sentiment":"neutral","sentiment_score":0.07756755501031876},{"text":"Perfect.","start":101.185,"end":101.424995,"sentiment":"neutral","sentiment_score":0.14361977577209473},{"text":"Thank you guys so much for doing that.","start":101.424995,"end":103.265,"sentiment":"positive","sentiment_score":0.4115705080330372},{"text":"Appreciate it.","start":103.265,"end":104.244995,"sentiment":"positive","sentiment_score":0.46219469606876373}],"sentiment":"neutral","sentiment_score":0.3268664236131467,"num_words":19,"start":86.409996,"end":104.244995},{"sentences":[{"text":"Now that should come through relatively quick.","start":104.30499,"end":106.465,"sentiment":"neutral","sentiment_score":0.22145270024027144},{"text":"It is quite a few pages of documents just because product documents tend to be a thousand pages.","start":106.465,"end":112.46999,"sentiment":"neutral","sentiment_score":-0.15770958653754658},{"text":"But if you can hop in there with me, I'll kind of go through the key points again.","start":114.13,"end":118.95,"sentiment":"neutral","sentiment_score":0.11201305604643291},{"text":"And, again, this is just with the new system here.","start":119.329994,"end":121.49,"sentiment":"neutral","sentiment_score":0.28853537440299987},{"text":"So we've got a new way of adding the documents in together.","start":121.49,"end":124.78999,"sentiment":"neutral","sentiment_score":0.29596080258488655}],"sentiment":"neutral","sentiment_score":0.11022330350600756,"num_words":65,"start":104.30499,"end":124.78999},{"sentences":[{"text":"Can you just let me know when you can see the first statement of advice?","start":125.105,"end":128.405,"sentiment":"neutral","sentiment_score":0.1530238186319669},{"text":"No worries at all.","start":134.785,"end":136.085,"sentiment":"neutral","sentiment_score":0.19528541713953018},{"text":"Now when you do get that, we're basically gonna run through the advice document today.","start":136.865,"end":142.0,"sentiment":"neutral","sentiment_score":0.23842163185278575},{"text":"What's come along with it, just to let you know what's there, is basically just like a a an appendix with some extra research and all of the updated product disclosure statements from all the different super funds insurance companies and so on.","start":142.45999,"end":156.475,"sentiment":"neutral","sentiment_score":0.15413489738522573},{"text":"Oh, yes.","start":211.185,"end":211.665,"sentiment":"neutral","sentiment_score":0.025577431544661522}],"sentiment":"neutral","sentiment_score":0.1687566946390309,"num_words":79,"start":125.105,"end":211.665},{"sentences":[{"text":"That should go through to the Hotmail address.","start":211.665,"end":214.08499,"sentiment":"neutral","sentiment_score":0.025674958538729697},{"text":"Yeah.","start":225.70001,"end":226.1,"sentiment":"neutral","sentiment_score":0.0473741739988327},{"text":"So when you hit the sign here button, it basically just brings the documents up to scroll through first.","start":226.1,"end":231.24,"sentiment":"neutral","sentiment_score":0.048385979999837125},{"text":"It should give you, like, a electronic consent there.","start":231.70001,"end":234.76001,"sentiment":"neutral","sentiment_score":0.043057254412108},{"text":"And what you should see the first one kind of like a Gold Coast beachfront city picture on it.","start":235.18501,"end":240.16501,"sentiment":"neutral","sentiment_score":0.07676591959438826}],"sentiment":"neutral","sentiment_score":0.05389598614835579,"num_words":56,"start":211.665,"end":240.16501},{"sentences":[{"text":"Perfect.","start":242.46501,"end":242.945,"sentiment":"positive","sentiment_score":0.6725513935089111},{"text":"So if you scroll down to page four with me, you'll see the scope of advice, which is essentially what we discussed as what we're updating and what we're not giving advice on in this particular document.","start":242.945,"end":255.56999,"sentiment":"neutral","sentiment_score":0.03289186833678065},{"text":"So just let me know when you can see the scope of advice heading.","start":255.95,"end":258.61,"sentiment":"neutral","sentiment_score":0.07443630642124585},{"text":"Cool.","start":260.75,"end":261.07,"sentiment":"positive","sentiment_score":0.6061766147613525},{"text":"So what I've got in here is basically joint retirement goal for you guys.","start":261.07,"end":264.69,"sentiment":"positive","sentiment_score":0.43868846180183546}],"sentiment":"neutral","sentiment_score":0.14446975957991473,"num_words":67,"start":242.46501,"end":264.69},{"sentences":[{"text":"The main thing at the moment was just updating the investment in your super because when we went through the review, performance was looking really good, but we did just flag that one investment option that was dragging its feet a little bit.","start":265.24503,"end":276.52502,"sentiment":"neutral","sentiment_score":-0.032080687755762144},{"text":"So I've just put together a few updates for you guys.","start":276.52502,"end":279.265,"sentiment":"neutral","sentiment_score":0.16370782459324057},{"text":"Now I put in some usual reminders for estate planning just in case you guys are still putting together like a will and a power of attorney and whatnot, but your beneficiary nominations are all correct and up to date.","start":281.47,"end":293.89,"sentiment":"neutral","sentiment_score":0.23935299254953862},{"text":"Now outside of that, we do have on the next page what's limited scope, which is essentially the, like, insurance side of things where everything seemed pretty appropriate for the insurances, but I am just factoring in the premiums just to show you the impact that it does have on the super.","start":295.875,"end":312.91,"sentiment":"neutral","sentiment_score":0.02975178871733638},{"text":"As far as what we're not giving advice on today, it's mainly just around, like, cash flow, budgeting, debt management.","start":316.25,"end":323.71,"sentiment":"neutral","sentiment_score":-0.13120603188872337}],"sentiment":"neutral","sentiment_score":0.05372535285865327,"num_words":166,"start":265.24503,"end":323.71},{"sentences":[{"text":"So, obviously, Misha, you were looking to do the return to work, I believe, in August of this year.","start":323.85,"end":330.305,"sentiment":"neutral","sentiment_score":0.03398967828405531},{"text":"The main focus for you guys was basically just rebuild the savings, possibly looking at upgrading the family home or maybe an investment property, but that's more like a next year kind of thing.","start":332.845,"end":342.68,"sentiment":"neutral","sentiment_score":0.17757559173247395},{"text":"Yep.","start":344.58,"end":344.9,"sentiment":"neutral","sentiment_score":0.15847471356391907},{"text":"And then the other thing that we did touch on is that we might revisit some personal investing at some point, whether it's for wealth creation for you guys or investing for the children so that they have something there when they're 18 as well.","start":344.9,"end":357.845,"sentiment":"neutral","sentiment_score":0.17699102030860053},{"text":"So a bit of a future goal there.","start":357.845,"end":359.625,"sentiment":"neutral","sentiment_score":0.17404152639210224}],"sentiment":"neutral","sentiment_score":0.15139043780270023,"num_words":107,"start":323.85,"end":359.625},{"sentences":[{"text":"Perfect.","start":361.92502,"end":362.42502,"sentiment":"positive","sentiment_score":0.5148216485977173},{"text":"Now if you go past there, there'll be in red a limited advice warning, which is just basically saying we're not giving advice on everything under the sun.","start":362.64502,"end":371.87,"sentiment":"neutral","sentiment_score":-0.252656664699316},{"text":"And if anything that we've obtained information wise is inaccurate, that may obviously impact the recommendations.","start":371.93,"end":378.91,"sentiment":"negative","sentiment_score":-0.36440996266901493},{"text":"But if you can just go through past there to the about use section and the assets and liabilities on the page after that, just making sure that all that's still accurate.","start":380.09,"end":389.785,"sentiment":"neutral","sentiment_score":0.029242415155749768},{"text":"So I've basically included your return to work income there, Misha, which I think we've put down as about 92,000, but your full salary package includes, like, the car allowance, so it brings someone up to a 105.","start":390.165,"end":406.08002,"sentiment":"neutral","sentiment_score":0.09651398129369083}],"sentiment":"neutral","sentiment_score":-0.06771161557863588,"num_words":115,"start":361.92502,"end":406.08002},{"sentences":[{"text":"And, Patrick, you're still on $1.28 as the engineer.","start":406.46002,"end":409.68002,"sentiment":"neutral","sentiment_score":0.04150640943811999},{"text":"Yep.","start":412.79498,"end":413.29498,"sentiment":"neutral","sentiment_score":0.05086430162191391},{"text":"Outside of that, we've got the home, the cars, and the offset account.","start":413.995,"end":417.535,"sentiment":"neutral","sentiment_score":0.03244879325995079},{"text":"That's basically what we had for assets and liabilities.","start":417.675,"end":420.415,"sentiment":"neutral","sentiment_score":0.02317120341791047},{"text":"Anything too crazy out of the ordinary there?","start":420.955,"end":423.615,"sentiment":"neutral","sentiment_score":-0.09415214043110609}],"sentiment":"neutral","sentiment_score":0.007539500156417489,"num_words":40,"start":406.46002,"end":423.615},{"sentences":[{"text":"Perfect.","start":430.51,"end":430.83002,"sentiment":"positive","sentiment_score":0.49207285046577454},{"text":"And is that for both of them?","start":430.83002,"end":432.45,"sentiment":"neutral","sentiment_score":0.20770446743283952},{"text":"Perfect.","start":438.97498,"end":439.375,"sentiment":"positive","sentiment_score":0.532634437084198},{"text":"I'll update that.","start":439.375,"end":440.495,"sentiment":"positive","sentiment_score":0.3482126792271932},{"text":"Patrick is work car.","start":440.495,"end":442.275,"sentiment":"neutral","sentiment_score":0.1025067288428545}],"sentiment":"neutral","sentiment_score":0.24583146953955293,"num_words":16,"start":430.51,"end":442.275},{"sentences":[{"text":"Is paid off.","start":442.495,"end":444.25497,"sentiment":"neutral","sentiment_score":0.10413246477643649},{"text":"Thank you very much for that.","start":444.25497,"end":445.79498,"sentiment":"positive","sentiment_score":0.763555109500885},{"text":"Done and done.","start":446.81497,"end":447.875,"sentiment":"positive","sentiment_score":0.5306645433108012},{"text":"We've got your insurance policy underneath.","start":448.895,"end":451.63498,"sentiment":"neutral","sentiment_score":0.2592410420378049},{"text":"So we've got the hub twenty four paid policy for Pat, which is, like, life insurance, income protection, and so on.","start":451.85498,"end":460.35,"sentiment":"neutral","sentiment_score":0.2035378891797293}],"sentiment":"neutral","sentiment_score":0.3157811181094402,"num_words":39,"start":442.495,"end":460.35},{"sentences":[{"text":"And, Misha, yours is with Clearview.","start":460.35,"end":462.05002,"sentiment":"neutral","sentiment_score":0.1771778054535389},{"text":"And if you keep scrolling through for me so you go through those, you've got the super.","start":464.76498,"end":469.665,"sentiment":"neutral","sentiment_score":0.2059000362368191},{"text":"You've got the insurance protection portfolios.","start":470.04498,"end":472.865,"sentiment":"neutral","sentiment_score":0.16260762388507524},{"text":"And then on page sort of ten, eleven, we've got your risk profiles.","start":473.645,"end":477.425,"sentiment":"neutral","sentiment_score":0.051202802990491576},{"text":"Cool.","start":482.08,"end":482.48,"sentiment":"positive","sentiment_score":0.45506149530410767}],"sentiment":"neutral","sentiment_score":0.15487700293576995,"num_words":43,"start":460.35,"end":482.48},{"sentences":[{"text":"So, Pat, you're still high growth.","start":482.48,"end":484.5,"sentiment":"positive","sentiment_score":0.44304264585177106},{"text":"Again, 90% growth assets going for as much growth as possible.","start":484.63998,"end":489.46,"sentiment":"positive","sentiment_score":0.38928886435248633},{"text":"Misha, we've still got you down as a a growth investor.","start":490.015,"end":493.075,"sentiment":"neutral","sentiment_score":-0.12406434745273807},{"text":"So four out of five versus five out of five.","start":493.295,"end":495.795,"sentiment":"neutral","sentiment_score":-0.04307539239525795},{"text":"Now the main thing is if you could please go through to page fourteen and fifteen, you'll see strategy recommendations heading, and it's quite a large sort of wall of text there under a a best interest, Judy.","start":499.375,"end":511.44,"sentiment":"neutral","sentiment_score":0.06506290806359366}],"sentiment":"neutral","sentiment_score":0.10022844925620839,"num_words":76,"start":482.48,"end":511.44},{"sentences":[{"text":"Perfect.","start":521.09503,"end":521.59503,"sentiment":"positive","sentiment_score":0.715019941329956},{"text":"So this section basically just outlines for both of you guys what we're doing and why and all the different sort of pros and cons, how it links in with your goals.","start":521.655,"end":530.455,"sentiment":"neutral","sentiment_score":0.28019274887628853},{"text":"So the easy summary of this is the Benelon option was underperforming.","start":530.455,"end":535.29004,"sentiment":"neutral","sentiment_score":0.057453419702748455},{"text":"So we're updating the portfolio with a few changes.","start":536.15,"end":539.05005,"sentiment":"neutral","sentiment_score":0.18626769714885288},{"text":"It's gonna save on some fees.","start":539.51,"end":541.37,"sentiment":"neutral","sentiment_score":0.2946564381321271}],"sentiment":"neutral","sentiment_score":0.23024961408227682,"num_words":60,"start":521.09503,"end":541.37},{"sentences":[{"text":"There'll still be the usual brokerage fees for investments inside Hub using ETFs.","start":541.51,"end":546.89,"sentiment":"neutral","sentiment_score":0.029691161444553964},{"text":"And your retirement goal is still at least eighteen years away.","start":548.205,"end":552.545,"sentiment":"neutral","sentiment_score":-0.09850963577628136},{"text":"So what I'm basically doing is just trying to make sure that over the next ten years, we're gonna get you in a better position.","start":553.005,"end":558.385,"sentiment":"positive","sentiment_score":0.3971227067708969},{"text":"Once you get a bit closer to retirement, we'll kind of revisit an retirement analysis to see if you're on track and how long the funds would last when you're a little bit older.","start":558.605,"end":568.88995,"sentiment":"neutral","sentiment_score":0.14480897674665733},{"text":"Now scrolling through that, you will see a pretty large table of, like, advantages and disadvantages.","start":571.91,"end":577.055,"sentiment":"neutral","sentiment_score":0.09507129597477615}],"sentiment":"neutral","sentiment_score":0.15833426989389188,"num_words":99,"start":541.51,"end":577.055},{"sentences":[{"text":"And can you just let me know when you see that there?","start":578.31494,"end":579.995,"sentiment":"neutral","sentiment_score":0.05622264432410399},{"text":"I just wanna point out a couple to you.","start":579.995,"end":582.33496,"sentiment":"neutral","sentiment_score":0.08405470516946581},{"text":"So the main disadvantage, obviously, there's very good fees for switching all of these investments around, around, but there's also capital gains tax.","start":584.235,"end":592.0,"sentiment":"neutral","sentiment_score":-0.2322496574210084},{"text":"So because you're in what's called a wrap platform, we can kind of control what we buy and sell.","start":592.22,"end":598.08,"sentiment":"neutral","sentiment_score":-0.105527626448556},{"text":"And then under the hood inside your super, it does pay that 15% capital gains tax.","start":598.14,"end":603.83997,"sentiment":"neutral","sentiment_score":-0.0808345265686512}],"sentiment":"neutral","sentiment_score":-0.09125259961885741,"num_words":79,"start":578.31494,"end":603.83997},{"sentences":[{"text":"Whereas for every other type of super fund that's not a wrap, it kind of just baked it.","start":604.055,"end":608.555,"sentiment":"neutral","sentiment_score":-0.3255924880504608},{"text":"It's not really visible and not really controllable.","start":608.615,"end":611.115,"sentiment":"negative","sentiment_score":-0.39911146089434624},{"text":"Does that sort of make sense?","start":611.415,"end":612.875,"sentiment":"neutral","sentiment_score":-0.14533001432816187},{"text":"Correct.","start":619.01,"end":619.51,"sentiment":"neutral","sentiment_score":-0.02231106162071228},{"text":"Correct.","start":619.57,"end":620.07,"sentiment":"neutral","sentiment_score":-0.003598244860768318}],"sentiment":"neutral","sentiment_score":-0.29268958425039754,"num_words":34,"start":604.055,"end":620.07},{"sentences":[{"text":"So what we've done is because we can see it inside Hub and we can kind of pick and choose what we move around, I have factored in what capital gains tax will be paid under the hood just to make sure that it's still gonna be of a benefit for you to invest in the options that I picked.","start":621.65,"end":637.96497,"sentiment":"positive","sentiment_score":0.43446748753388725},{"text":"So if you scroll down past there, I'm not gonna go too crazy in the detail here, but page seventeen and eighteen as your existing and new portfolio on it.","start":640.345,"end":650.16,"sentiment":"neutral","sentiment_score":0.15340409204363822},{"text":"And you should see, like, a really big sort of blue table, heaps of figures and numbers and percentages.","start":651.25995,"end":656.16,"sentiment":"neutral","sentiment_score":0.1816210546775868},{"text":"So left hand side of the options, the names of them.","start":657.89996,"end":660.675,"sentiment":"neutral","sentiment_score":0.09013688428835435},{"text":"What I wanted to bring your attention to is can you see the second last column?","start":660.755,"end":664.455,"sentiment":"neutral","sentiment_score":0.06960590253584087}],"sentiment":"neutral","sentiment_score":0.26636891338207264,"num_words":136,"start":621.65,"end":664.455},{"sentences":[{"text":"Not sure if the figures are blurry or not, but they're kind of nice round percentages in that second last column for the target.","start":664.515,"end":671.415,"sentiment":"neutral","sentiment_score":0.116028018683816},{"text":"That's basically just us reweighting the portfolio as well.","start":671.955,"end":675.255,"sentiment":"neutral","sentiment_score":0.10680983795060052},{"text":"Basically saying this one's going up, this one's going down, this one's going sideways.","start":675.49,"end":679.03,"sentiment":"neutral","sentiment_score":0.058599082486970086},{"text":"Let's bring them back to the percentages that they should be, kind of like buy low to sell high.","start":679.41003,"end":685.35004,"sentiment":"neutral","sentiment_score":0.038613552325650266},{"text":"Yep.","start":688.01495,"end":688.33496,"sentiment":"neutral","sentiment_score":0.10898193717002869}],"sentiment":"neutral","sentiment_score":0.08073115785286497,"num_words":67,"start":664.515,"end":688.33496},{"sentences":[{"text":"Now the major change is in the bottom third of that table.","start":688.33496,"end":692.195,"sentiment":"neutral","sentiment_score":0.06113169249147177},{"text":"You'll see the Benelon option that we're selling out of completely.","start":692.815,"end":695.795,"sentiment":"neutral","sentiment_score":0.056553952395915985},{"text":"And just below it, you'll see the option that we're switching it into, which is the Alfiniti Australian shares option.","start":697.375,"end":704.56995,"sentiment":"neutral","sentiment_score":0.08718013651669025},{"text":"Yep.","start":706.47,"end":706.97,"sentiment":"neutral","sentiment_score":0.19758692383766177},{"text":"So, basically, side by side, it's about 10% less in fees and has much better performance over one, three, five, and ten years, but it still maintains that same style of active investment.","start":707.58997,"end":720.485,"sentiment":"positive","sentiment_score":0.3351320963014256}],"sentiment":"neutral","sentiment_score":0.18644444958923698,"num_words":77,"start":688.33496,"end":720.485},{"sentences":[{"text":"So they're still trying to pick and choose investments to try and get you a better outcome.","start":720.705,"end":724.405,"sentiment":"positive","sentiment_score":0.3684060687527937},{"text":"We basically agree to kind of keep the style going, but just fix that one option up.","start":724.705,"end":729.765,"sentiment":"neutral","sentiment_score":0.08764223666752086},{"text":"So similar thing, if you go down past there, you'll start to see Misha's table as well.","start":731.25,"end":738.39,"sentiment":"neutral","sentiment_score":0.18788056250880747},{"text":"Pretty similar.","start":739.01,"end":739.81,"sentiment":"positive","sentiment_score":0.3724120557308197},{"text":"It's just that you've got a little bit more weighted in defensive assets because of being that growth portfolio.","start":739.81,"end":746.255,"sentiment":"neutral","sentiment_score":0.20449744792361008}],"sentiment":"neutral","sentiment_score":0.21634814412229592,"num_words":72,"start":720.705,"end":746.255},{"sentences":[{"text":"We want you at 80% shares property and gold, not 90%.","start":746.555,"end":750.655,"sentiment":"neutral","sentiment_score":0.1823081516406753},{"text":"So where that kind of comes out to is on page twenty twenty one.","start":752.875,"end":757.59503,"sentiment":"neutral","sentiment_score":0.17812425749642508},{"text":"You'll see, like, a nice big colorful pie chart of your asset allocation.","start":757.59503,"end":761.92,"sentiment":"positive","sentiment_score":0.36138273431704593},{"text":"K?","start":767.66,"end":767.98,"sentiment":"neutral","sentiment_score":0.036583978682756424},{"text":"So what we're essentially doing is maintaining a pretty smaller amount in, like, Australian shares still.","start":767.98,"end":775.12,"sentiment":"neutral","sentiment_score":0.10487258480861783}],"sentiment":"neutral","sentiment_score":0.19839363917708397,"num_words":55,"start":746.555,"end":775.12},{"sentences":[{"text":"Still favoring international shares, bit of property, bit of gold.","start":775.47504,"end":778.93506,"sentiment":"neutral","sentiment_score":0.20709675401449204},{"text":"What's really important on that table is the very middle row has a growth total in gray, and you can kind of see how your risk profile, you want 90%.","start":779.715,"end":789.09503,"sentiment":"neutral","sentiment_score":0.12303136015931765},{"text":"You're seeing sitting at 89 at the moment.","start":789.15,"end":791.41003,"sentiment":"neutral","sentiment_score":0.052586542908102274},{"text":"We're proposing it's about 91, 92.","start":791.55005,"end":794.21,"sentiment":"neutral","sentiment_score":0.09235658869147301},{"text":"It's basically floating right there on target.","start":794.27,"end":796.61005,"sentiment":"neutral","sentiment_score":0.10453288150685174}],"sentiment":"neutral","sentiment_score":0.12243394083419784,"num_words":61,"start":775.47504,"end":796.61005},{"sentences":[{"text":"Yep.","start":798.91003,"end":799.41003,"sentiment":"neutral","sentiment_score":0.1698811650276184},{"text":"If you go past there, Misha, same thing for you.","start":799.79004,"end":802.035,"sentiment":"neutral","sentiment_score":0.21505999863147734},{"text":"80% for the growth total is what you need.","start":802.19495,"end":804.675,"sentiment":"neutral","sentiment_score":0.2980869577990638},{"text":"You're sitting at 81.","start":804.675,"end":806.115,"sentiment":"neutral","sentiment_score":0.18780653178691864},{"text":"The new portfolio is sitting about 79.","start":806.115,"end":808.535,"sentiment":"neutral","sentiment_score":0.14197864915643418}],"sentiment":"neutral","sentiment_score":0.2176884013798929,"num_words":31,"start":798.91003,"end":808.535},{"sentences":[{"text":"Not much too different there.","start":808.915,"end":810.45496,"sentiment":"neutral","sentiment_score":-0.006736047565937042},{"text":"But the two points of difference I wanted to show you is on the page after that for the fee comparison.","start":810.83496,"end":816.77496,"sentiment":"neutral","sentiment_score":0.13047540010440917},{"text":"Yep.","start":820.94,"end":821.44,"sentiment":"neutral","sentiment_score":0.14445291459560394},{"text":"So I've factored in the capital gains tax here.","start":821.5,"end":824.32,"sentiment":"neutral","sentiment_score":0.1052200198173523},{"text":"In the middle, you'll see that the investment fee row, it's about $280 cheaper based on the current balance.","start":824.46,"end":832.385,"sentiment":"neutral","sentiment_score":0.2470531240105629}],"sentiment":"neutral","sentiment_score":0.15439537479118867,"num_words":55,"start":808.915,"end":832.385},{"sentences":[{"text":"It is percentages, so the bigger your balance, the more savings.","start":832.445,"end":835.745,"sentiment":"neutral","sentiment_score":0.28429618884216656},{"text":"But that's just based on the figures as of that date.","start":836.04504,"end":839.585,"sentiment":"neutral","sentiment_score":0.00017960403453220022},{"text":"And then at the bottom, you can kind of see the five year performance figure, and we're kind of bringing it back up into that depth digit space.","start":839.965,"end":847.88,"sentiment":"neutral","sentiment_score":0.23924778455070086},{"text":"And if you go on the next page, here's your projection.","start":850.66,"end":853.16,"sentiment":"neutral","sentiment_score":0.0958874760703607},{"text":"Please take this with a grain of salt.","start":853.3,"end":855.24,"sentiment":"neutral","sentiment_score":-0.018114164471626282}],"sentiment":"neutral","sentiment_score":0.1556234871023807,"num_words":69,"start":832.445,"end":855.24},{"sentences":[{"text":"But the five and ten year projection, if the market's doing what they did previously, you're pretty much looking at somewhere between 1 to 300,000 extra over the next five to ten years.","start":855.77997,"end":865.83496,"sentiment":"neutral","sentiment_score":0.06629006496884605},{"text":"But the main thing is just that table underneath.","start":866.295,"end":868.71497,"sentiment":"neutral","sentiment_score":0.2671901252534654},{"text":"There's a real consistency in the returns.","start":869.095,"end":871.675,"sentiment":"positive","sentiment_score":0.41150391527584623},{"text":"You can kind of see underneath there one, three, five, and ten years.","start":872.055,"end":875.75494,"sentiment":"neutral","sentiment_score":0.29057120932982516},{"text":"I just wanna make sure that on every period, you're hitting that high double digits to justify the risk that you're taking.","start":875.96,"end":881.98,"sentiment":"neutral","sentiment_score":0.19700042852623897}],"sentiment":"neutral","sentiment_score":0.18552673603629782,"num_words":84,"start":855.77997,"end":881.98},{"sentences":[{"text":"And then on the next page, Misha, you pretty much don't have anything in terms of capital gains that worry about when we rebalance your portfolio.","start":887.56,"end":895.365,"sentiment":"neutral","sentiment_score":0.04637981048570229},{"text":"Very small changes, but it does bump up the returns a little bit.","start":896.065,"end":899.28503,"sentiment":"neutral","sentiment_score":0.30626924335956573},{"text":"And then on 2526, that's your projections there as well.","start":901.905,"end":907.04004,"sentiment":"neutral","sentiment_score":0.1921244740486145},{"text":"Again, just pulling it into the double digit consistent returns.","start":907.58,"end":910.96,"sentiment":"neutral","sentiment_score":0.25400249660015106},{"text":"Somewhere between ten and fifty is the expected difference.","start":911.42004,"end":915.28,"sentiment":"neutral","sentiment_score":0.053267307579517365}],"sentiment":"neutral","sentiment_score":0.14894192222067537,"num_words":68,"start":887.56,"end":915.28},{"sentences":[{"text":"Okay.","start":918.95496,"end":919.45496,"sentiment":"neutral","sentiment_score":0.06811020523309708},{"text":"Alright.","start":922.95496,"end":923.435,"sentiment":"neutral","sentiment_score":0.1112482249736786},{"text":"Now that pretty much ends the the super strategy, which is pretty much the bulk of the document.","start":923.435,"end":928.33496,"sentiment":"neutral","sentiment_score":0.15296757800711525},{"text":"Everything after that point is why you should put in place a will and a power of attorney.","start":928.8,"end":933.12,"sentiment":"neutral","sentiment_score":0.11410386860370636},{"text":"So just wanted to see if you guys had any questions at this point.","start":933.12,"end":936.26,"sentiment":"neutral","sentiment_score":0.07899887247809342}],"sentiment":"neutral","sentiment_score":0.11716593622874755,"num_words":52,"start":918.95496,"end":936.26},{"sentences":[{"text":"No.","start":944.70496,"end":945.20496,"sentiment":"neutral","sentiment_score":-0.14832094311714172},{"text":"No.","start":948.225,"end":948.625,"sentiment":"neutral","sentiment_score":-0.07526850700378418},{"text":"That's totally cool.","start":948.625,"end":949.425,"sentiment":"positive","sentiment_score":0.4191703299681346},{"text":"Look.","start":949.425,"end":949.58496,"sentiment":"neutral","sentiment_score":0.21935798227787015},{"text":"It is just that annual reminder.","start":949.58496,"end":951.20496,"sentiment":"neutral","sentiment_score":0.16216239829858145}],"sentiment":"neutral","sentiment_score":0.18552115932106972,"num_words":12,"start":944.70496,"end":951.20496},{"sentences":[{"text":"And the same thing I said during the review, like, if you wanna get a basic rule kit from the post office or go to the courthouse or a solicitor, there's a few options there for you guys, but it is just one of the things that we just double check on.","start":951.825,"end":964.75,"sentiment":"neutral","sentiment_score":0.1631937506966866},{"text":"So outside of that, was there anything else that you guys kind of needed at the moment, or was it mainly just get this kind of engine tune going and then that catch up next time as well?","start":968.33,"end":978.98505,"sentiment":"neutral","sentiment_score":0.0812427766228977},{"text":"Perfect.","start":985.54004,"end":986.04004,"sentiment":"positive","sentiment_score":0.634401798248291},{"text":"Now I wanted to just double check with you because we did do that review before I went on leave.","start":986.82,"end":991.4,"sentiment":"neutral","sentiment_score":0.2677736930549145},{"text":"Are you wanting me to kind of pencil in the usual twelve month catch up, or do you want me to kind of plug in for a bit more frequent quarterly, fixed monthly, and so on.","start":991.54004,"end":1002.45496,"sentiment":"neutral","sentiment_score":0.17407586570415232}],"sentiment":"neutral","sentiment_score":0.162108213419006,"num_words":147,"start":951.825,"end":1002.45496},{"sentences":[{"text":"Yep.","start":1006.27496,"end":1006.755,"sentiment":"neutral","sentiment_score":0.29266834259033203},{"text":"Of course.","start":1006.755,"end":1007.39496,"sentiment":"neutral","sentiment_score":0.2222015410661697},{"text":"If anything happens, just give us a buzz.","start":1007.39496,"end":1009.475,"sentiment":"neutral","sentiment_score":0.1784591805189848},{"text":"You can call in and book in for a consultation at any point.","start":1009.475,"end":1013.095,"sentiment":"neutral","sentiment_score":0.24984296010090754},{"text":"And the usual reminder is not that we're the first port of call if something happens to you health wise, but we will help you through a claims process if you get, you know, injured or have to claim on the insurances.","start":1013.71497,"end":1024.77,"sentiment":"neutral","sentiment_score":0.14851580844039008}],"sentiment":"neutral","sentiment_score":0.17652071673761716,"num_words":66,"start":1006.27496,"end":1024.77},{"sentences":[{"text":"So if something does happen between now and then, please just give us a call, and we can kind of start that process for you.","start":1025.23,"end":1031.815,"sentiment":"neutral","sentiment_score":0.19713493376970292},{"text":"Cool.","start":1035.475,"end":1035.975,"sentiment":"positive","sentiment_score":0.4157332181930542},{"text":"Outside of that so the main thing for signing today, you've got the authority to proceed on that document.","start":1036.275,"end":1042.855,"sentiment":"neutral","sentiment_score":0.19169026221099653},{"text":"And then, basically, when you go through this Odoo sign, the buttons will pull you to the sign spot, but there are six documents there.","start":1043.1,"end":1052.96,"sentiment":"neutral","sentiment_score":0.07891042739152908},{"text":"As you go through the documents, you pretty much just click next document, next document, unless you actually wanna scroll through all the TDSs, which is 130 pages for Clearview.","start":1053.1799,"end":1064.075,"sentiment":"neutral","sentiment_score":0.003299135311196248}],"sentiment":"neutral","sentiment_score":0.11057956288568675,"num_words":100,"start":1025.23,"end":1064.075},{"sentences":[{"text":"We've got another 100 pages for Hub, and then Hub 24 has a 491 page investment menu that I've included for you as well for a bit of light reading on the weekend.","start":1065.1749,"end":1075.38,"sentiment":"neutral","sentiment_score":0.2045552349000266},{"text":"Awesome.","start":1079.52,"end":1080.02,"sentiment":"positive","sentiment_score":0.7663191556930542},{"text":"Mate, I'll leave you guys to it.","start":1080.16,"end":1082.1799,"sentiment":"positive","sentiment_score":0.5432117113045284},{"text":"Any other questions for me before I let you go?","start":1082.32,"end":1084.725,"sentiment":"neutral","sentiment_score":0.17455288767814636},{"text":"Well, I really appreciate you taking the time.","start":1088.725,"end":1091.5449,"sentiment":"positive","sentiment_score":0.5920678526163101}],"sentiment":"neutral","sentiment_score":0.3017151793938572,"num_words":59,"start":1065.1749,"end":1091.5449},{"sentences":[{"text":"If you have any trouble with the the signing, please just give the team a buzz.","start":1091.6849,"end":1095.625,"sentiment":"neutral","sentiment_score":0.06891143624670804},{"text":"I do have the secondary email set as your Hotmail measure, underscore 05.","start":1096.405,"end":1102.23,"sentiment":"neutral","sentiment_score":0.09087122690219146},{"text":"Is that still okay?","start":1102.23,"end":1103.37,"sentiment":"neutral","sentiment_score":0.029829575214534998},{"text":"Perfect.","start":1106.07,"end":1106.47,"sentiment":"positive","sentiment_score":0.6826618909835815},{"text":"Perfect.","start":1106.47,"end":1106.97,"sentiment":"positive","sentiment_score":0.7112768888473511}],"sentiment":"neutral","sentiment_score":0.10849045743899687,"num_words":35,"start":1091.6849,"end":1106.97},{"sentences":[{"text":"Anything else you need?","start":1107.35,"end":1108.31,"sentiment":"positive","sentiment_score":0.4132981523871422},{"text":"Just let me know.","start":1108.31,"end":1109.37,"sentiment":"neutral","sentiment_score":0.25705331563949585},{"text":"No worries, guys.","start":1113.127,"end":1113.9269,"sentiment":"positive","sentiment_score":0.5513151288032532},{"text":"Have a fantastic day, and I'll talk to you again soon.","start":1113.9269,"end":1116.267,"sentiment":"positive","sentiment_score":0.7347123189405962},{"text":"Thank you.","start":1119.5269,"end":1120.0869,"sentiment":"positive","sentiment_score":0.5484670400619507}],"sentiment":"positive","sentiment_score":0.5630883686244488,"num_words":24,"start":1107.35,"end":1120.0869},{"sentences":[{"text":"Bye.","start":1120.0869,"end":1120.5869,"sentiment":"neutral","sentiment_score":-0.10238003730773926}],"sentiment":"neutral","sentiment_score":-0.10238003730773926,"num_words":1,"start":1120.0869,"end":1120.5869}]}}]},{"alternatives":[{"transcript":"Hello. Patrick speaking. Good. Good. Yourself? Oh, yeah. Congratulations, Ed. No. That's all good. All good. Yes. You will be joining us. Yeah. So yeah. I'll put you on speaker now. Yeah. How are you going? Yeah. Not too bad. Thanks. Yep. Of course. Yes. Impossible. Yep. So the fifth of the tenth nineteen eighty seven, and address is 52 Bryant Avenue, Middleton Grange 2171. Sorry. What was it? The the Date of birth, miss Trent. 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales two one seven one. Yeah. Sorry. Go ahead. Yes. We're just getting the computer sorted. Bear with us. K. Yep. Click on. Is he yeah. You're yep. Confirm. No. Is it in my On the email? Yeah. Yeah. It's proof of email. Yeah. Yeah. Okay. Alright. Okay. So open it up, I'm guessing. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yep. Yeah. Yeah. Got that. Yep. Correct. Okay. Yep. Yep. Okay. Yep. Yep. That's right. Correct. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. The the car's paid off, though, if we've got that right. Pat's car is a work car. It's two of the trade, and then my car, we we own that. Alright. Yep. Yep. Mhmm. Yep. Yeah. Yep. Strategy recommendations. Yep. Yep. Yep. Yeah. So we don't really see it. It just gets paid kind of thing. Is that what you're saying? Kind of on. Yeah. Yep. Mhmm. Yeah. Yeah. Okay. Yep. Yeah. Yeah. Mhmm. Yeah. Yeah. Okay. Yep. K. Yeah. Yeah. Mhmm. Yeah. Yeah. Okay. Yep. Yep. Yep. Mhmm. Mhmm. Yeah. Yeah. Okay. So let's see. System. Mhmm. Yeah. Yeah. Okay. In comparison. Yep. Okay. Mhmm. Yeah. Okay. Mhmm. Yeah. Yeah. Yeah. Yeah. Okay. That's it. Mhmm. No. But I've last time we spoke, we we spoke about the will of attorney power of attorney. We still haven't done anything. That does have some manual leave coming up, though, so maybe we'll do that then. Yes. No. Where is it? Yeah. Nothing else on our end. I think I think twelve months is good for the time being. Yeah, Pat? Yeah. Twelve months is okay. Goes quick. Yes. Mhmm. Yep. Not all good. Thank you. Yeah. No. It's all good for us. Yep. Yep. Yep. That's correct. Thank you very much. Good. Thank you for that. Yeah. Have a good one. You. See you. 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Patrick speaking. Good. Good. Yourself?\n\nOh, yeah. Congratulations, Ed. No. That's all good. All good.\n\nYes. You will be joining us. Yeah. So yeah. I'll put you on speaker now.\n\nYeah. How are you going? Yeah. Not too bad. Thanks.\n\nYep. Of course. Yes. Impossible. Yep.\n\nSo the fifth of the tenth nineteen eighty seven, and address is 52 Bryant Avenue, Middleton Grange 2171. Sorry. What was it? The the Date of birth, miss Trent. 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales two one seven one.\n\nYeah. Sorry. Go ahead. Yes. We're just getting the computer sorted.\n\nBear with us. K. Yep. Click on. Is he yeah.\n\nYou're yep. Confirm. No. Is it in my On the email? Yeah.\n\nYeah. It's proof of email. Yeah. Yeah. Okay.\n\nAlright. Okay. So open it up, I'm guessing. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Mhmm. Yep.\n\nYeah. Yeah. Got that. Yep. Correct.\n\nOkay. Yep. Yep. Okay. Yep.\n\nYep. That's right. Correct. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nThe the car's paid off, though, if we've got that right. Pat's car is a work car. It's two of the trade, and then my car, we we own that. Alright. Yep.\n\nYep. Mhmm. Yep. Yeah. Yep.\n\nStrategy recommendations. Yep. Yep. Yep. Yeah.\n\nSo we don't really see it. It just gets paid kind of thing. Is that what you're saying? Kind of on. Yeah.\n\nYep. Mhmm. Yeah. Yeah. Okay.\n\nYep. Yeah. Yeah. Mhmm. Yeah.\n\nYeah. Okay. Yep. K. Yeah.\n\nYeah. Mhmm. Yeah. Yeah. Okay.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nYeah. Yeah. Okay. So let's see. System.\n\nMhmm. Yeah. Yeah. Okay. In comparison.\n\nYep. Okay. Mhmm. Yeah. Okay.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nOkay. That's it. Mhmm. No. But I've last time we spoke, we we spoke about the will of attorney power of attorney.\n\nWe still haven't done anything. That does have some manual leave coming up, though, so maybe we'll do that then. Yes. No. Where is it?\n\nYeah. Nothing else on our end. I think I think twelve months is good for the time being. Yeah, Pat? Yeah.\n\nTwelve months is okay. Goes quick. Yes. Mhmm. Yep.\n\nNot all good. Thank you. Yeah. No. It's all good for us.\n\nYep. Yep. Yep. That's correct. Thank you very much.\n\nGood. Thank you for that. Yeah. Have a good one. You.\n\nSee you. 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Patrick speaking.\n\nChannel 0: Good afternoon, Patrick. Tommy here from. How are you doing?\n\nChannel 1: Good. Good. Yourself?\n\nChannel 0: Mate, living the dream so far. Just got back from paternity leave, so ready to\n\nChannel 1: Oh,\n\nChannel 0: get back into it.\n\nChannel 1: yeah. Congratulations, Ed.\n\nChannel 0: Thank you. Thank you so much. But if you do hear a bit of a baby in the background, I am just working from home today, so I do apologize.\n\nChannel 1: No. That's all good. All good.\n\nChannel 0: Perfect. Now I'm just gonna get this updated advice document sent through to you. Is Misha here today as well?\n\nChannel 1: Yes. You will be joining us. Yeah. So yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'll put you on speaker now.\n\nChannel 0: No worries.\n\nChannel 1: Yeah. How are you going?\n\nChannel 0: Fantastic, Misha. How are you doing?\n\nChannel 1: Yeah. Not too bad. Thanks.\n\nChannel 0: Good to hear. Good to hear. Now I'm just gonna do the usual quick security check with you guys.\n\nChannel 1: Yep. Of\n\nChannel 0: I'm\n\nChannel 1: course.\n\nChannel 0: gonna pop this through. Now this will come through to, again, both emails for dining, but it all the same documents will be on Patrick's email. Will you be able to look on to the emails with me today?\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Impossible.\n\nChannel 0: So I'll pop that through. And just while that's coming through, could you please confirm your date of birth and address?\n\nChannel 1: Yep. So the fifth of the tenth nineteen eighty seven, and\n\nChannel 0: Perfect.\n\nChannel 1: address is 52 Bryant Avenue, Middleton Grange 2171.\n\nChannel 0: Thank you so much for that. And, Patrick?\n\nChannel 1: Sorry. What was it? The the Date of birth, miss Trent. 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales\n\nChannel 0: Perfect.\n\nChannel 1: two\n\nChannel 0: Thank\n\nChannel 1: one\n\nChannel 0: you guys\n\nChannel 1: seven\n\nChannel 0: so\n\nChannel 1: one.\n\nChannel 0: much for doing that. Appreciate it. Now that should come through relatively quick. It is\n\nChannel 1: Yeah.\n\nChannel 0: quite\n\nChannel 1: Sorry.\n\nChannel 0: a\n\nChannel 1: Go\n\nChannel 0: few pages of documents just because product documents tend to be a thousand pages.\n\nChannel 1: ahead.\n\nChannel 0: But if you can hop in there with me, I'll kind of go through the key points again. And, again,\n\nChannel 1: Yes.\n\nChannel 0: this is just with the new system here. So we've got a new way of adding the documents in together. Can you just let me know when you can see the first statement of advice?\n\nChannel 1: We're just getting the computer sorted. Bear with us.\n\nChannel 0: No worries at all. Now when you do get that, we're basically gonna run through the advice document today. What's come along with it, just to let you know what's there, is basically just like a a an appendix with some extra research and all of the updated product disclosure statements from all the different super funds\n\nChannel 1: K.\n\nChannel 0: insurance companies and so on.\n\nChannel 1: Yep. Click on. Is he yeah. You're yep. Confirm.\n\nNo. Is it in my On the email? Yeah.\n\nChannel 0: Oh, yes.\n\nChannel 1: Yeah.\n\nChannel 0: That should go through\n\nChannel 1: It's\n\nChannel 0: to the\n\nChannel 1: proof\n\nChannel 0: Hotmail\n\nChannel 1: of email.\n\nChannel 0: address.\n\nChannel 1: Yeah. Yeah. Okay. Alright. Okay.\n\nSo open it up,\n\nChannel 0: Yeah. So\n\nChannel 1: I'm\n\nChannel 0: when you hit the\n\nChannel 1: guessing.\n\nChannel 0: sign here button, it basically\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: brings the documents up to scroll through first. It\n\nChannel 1: Yeah.\n\nChannel 0: should\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: give\n\nChannel 1: Mhmm.\n\nChannel 0: you, like, a electronic consent there. And what you should see the first one kind of like a Gold Coast beachfront city picture\n\nChannel 1: Yep.\n\nChannel 0: on it.\n\nChannel 1: Yeah. Yeah. Got that.\n\nChannel 0: Perfect. So if you scroll down to page four with me, you'll see the scope of advice, which is essentially what we discussed as what we're updating and what we're not giving advice on in this particular document. So just let me know when you can see the scope of advice heading.\n\nChannel 1: Yep. Correct.\n\nChannel 0: Cool. So what I've got in here is basically joint retirement goal for you guys. The main thing at the moment was just updating the investment in your super because when we went through the review, performance was looking really good, but we did just flag that one investment option that was dragging its feet a little bit. So I've just put together a few updates for you guys.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now I put in some usual reminders for estate planning just in case you guys are still putting together like a will and a power of attorney and whatnot, but your beneficiary nominations are all correct and up to date.\n\nChannel 1: Yep.\n\nChannel 0: Now outside of that, we do have on the next page what's limited scope, which is essentially the, like, insurance side of things where everything seemed pretty appropriate for the insurances, but I am just factoring in the premiums just to show you the impact that it does have on the super.\n\nChannel 1: Okay.\n\nChannel 0: As far as what we're not giving advice on today, it's mainly just around, like, cash flow, budgeting, debt management. So, obviously, Misha, you were looking to do the return to work, I believe,\n\nChannel 1: Yep.\n\nChannel 0: in August of this year.\n\nChannel 1: Yep. That's right.\n\nChannel 0: The main focus for you guys was basically just rebuild the savings, possibly looking at upgrading the family home or maybe an investment property, but that's more like a next year kind of thing.\n\nChannel 1: Correct. Yep.\n\nChannel 0: Yep. And then the other thing that we did touch on is that we might revisit some personal investing at some point, whether it's for wealth creation for you guys or investing for the children so that they have something there when they're 18 as well. So a bit of a future goal there.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you go past there, there'll be in red a limited advice warning, which is just basically saying we're not giving advice on everything under the sun. And if anything that we've obtained information wise is inaccurate, that may obviously impact the recommendations. But if you can\n\nChannel 1: Yep.\n\nChannel 0: just go through past there to the about use section and the assets and liabilities on the page after that, just making sure that all that's still accurate. So I've basically included\n\nChannel 1: Yep.\n\nChannel 0: your return to work income there, Misha, which I think we've put down as about 92,000, but your full salary package includes, like, the car allowance,\n\nChannel 1: Mhmm.\n\nChannel 0: so it brings someone up to a 105. And, Patrick, you're still on $1.28 as the engineer.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Outside of that, we've got the home, the cars, and the offset account. That's basically what we had for assets and liabilities. Anything too crazy out of the ordinary there?\n\nChannel 1: The the car's paid off, though, if we've got that right.\n\nChannel 0: Perfect. And is that for both of them?\n\nChannel 1: Pat's car is a work car. It's two of the trade, and then my car, we we own that.\n\nChannel 0: Perfect. I'll update that. Patrick is work car. Is paid off. Thank you very much for that.\n\nDone and done. We've got your insurance policy underneath. So we've got the hub twenty four paid policy for Pat, which is, like, life insurance, income protection, and so on. And, Misha, yours is with Clearview. And if you keep scrolling through for me so you go through those, you've got the super.\n\nYou've got the insurance protection portfolios. And then on page sort of ten, eleven, we've\n\nChannel 1: Alright.\n\nChannel 0: got your risk profiles.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. So, Pat, you're still high growth. Again, 90% growth assets going for as much growth as possible. Misha,\n\nChannel 1: Mhmm.\n\nChannel 0: we've still got you down as a a growth investor. So four out of five versus five out of five.\n\nChannel 1: Yep.\n\nChannel 0: Now the main thing is if you could please go through to page fourteen and fifteen, you'll see strategy recommendations heading, and it's quite a large sort of wall of text there under a a best interest, Judy.\n\nChannel 1: Yeah. Yep. Strategy recommendations. Yep.\n\nChannel 0: Perfect. So this section basically just outlines for both of you guys what we're doing and why and all the different sort of pros and cons, how it links in with your goals. So the easy summary of this is the Benelon option was underperforming. So we're updating the portfolio with a few changes. It's gonna save on some fees.\n\nThere'll still be the usual brokerage fees for investments inside Hub using ETFs. And your retirement goal is still at least eighteen years away. So what I'm basically doing is just trying to make sure that over the next ten years, we're gonna get you in a better position. Once you get a bit closer to retirement, we'll kind of revisit an retirement analysis to see if you're on track and how long the funds would last when you're a little bit older. Now scrolling through that, you will see a pretty large table of, like, advantages and disadvantages.\n\nAnd can you just let me know when you see that there? I just wanna point out a couple to you.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: the main disadvantage, obviously, there's very good fees for switching all of these investments around, around, but there's also capital gains tax. So because you're in what's called a wrap platform, we can kind of control what we buy and sell. And then under the hood inside your super, it does pay that 15% capital gains tax. Whereas for every other type of super fund that's not a wrap, it kind of just baked it. It's not really visible and not really controllable.\n\nDoes that sort of make sense?\n\nChannel 1: Yeah. So we don't really see it. It just gets paid kind of thing. Is that what you're saying?\n\nChannel 0: Correct.\n\nChannel 1: Kind of\n\nChannel 0: Correct.\n\nChannel 1: on. Yeah. Yep.\n\nChannel 0: So what we've done is because we can see it inside Hub and we can kind of pick and choose what we move around,\n\nChannel 1: Mhmm.\n\nChannel 0: I have factored in what capital gains tax will be paid under the hood just to make sure that it's still gonna be of a benefit for you to invest in the options that I picked.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: So if you scroll down past there, I'm not gonna go too crazy in the detail here, but page seventeen and eighteen as your existing and new portfolio on it. And you should see, like, a really big sort of blue table, heaps\n\nChannel 1: Yep.\n\nChannel 0: of figures and numbers and percentages. So left hand side of the options, the names of them. What I wanted to bring your attention to is can you see the second last column? Not sure if the figures are blurry or not, but they're kind of nice round percentages in that second\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: last column for the target. That's basically just us reweighting the portfolio as well. Basically saying this one's going up, this one's going down, this one's going sideways. Let's bring them back to the percentages that they should be, kind\n\nChannel 1: Mhmm.\n\nChannel 0: of like buy low to sell high.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Now the major change is in\n\nChannel 1: Okay.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: bottom third of that table. You'll see the Benelon option that we're selling out of completely. And just below it, you'll see the option that we're switching it into, which is the Alfiniti Australian shares option.\n\nChannel 1: K. Yeah. Yeah.\n\nChannel 0: Yep. So, basically, side by side, it's about 10% less in fees and has much better performance over one, three, five, and ten years, but it\n\nChannel 1: Mhmm.\n\nChannel 0: still maintains that same style of active investment. So they're still trying to pick and choose investments to try and get you a better outcome. We basically\n\nChannel 1: Yeah.\n\nChannel 0: agree to kind of keep the style going, but just fix that one option up.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: So similar thing, if you go down past there, you'll start to see Misha's table as well. Pretty similar. It's just that you've got a little bit more weighted in defensive assets because\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: Yep.\n\nChannel 0: being that growth portfolio. We want you at 80% shares property and gold, not 90%.\n\nChannel 1: Mhmm.\n\nChannel 0: So where that kind of comes out to is on page twenty twenty one. You'll see, like, a nice big colorful pie chart of your asset allocation.\n\nChannel 1: Mhmm. Yeah. Yeah. Okay. So let's see.\n\nSystem.\n\nChannel 0: K? So what we're essentially doing is maintaining a pretty smaller amount in, like, Australian shares still. Still favoring international shares, bit of property, bit of gold. What's really important on that table is the very middle row has a growth total in gray, and you can kind\n\nChannel 1: Mhmm.\n\nChannel 0: of see how your risk profile, you want 90%. You're seeing sitting at 89 at the moment. We're proposing it's about 91, 92. It's basically floating right there on target.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Yep. If you go past there, Misha, same thing for you. 80% for the growth total is what you need. You're sitting at 81. The new portfolio is sitting about 79.\n\nNot much too different there. But the two points of difference I wanted to show you is on the page after that for the fee comparison.\n\nChannel 1: In comparison. Yep. Okay.\n\nChannel 0: Yep. So I've factored in the capital gains tax here. In the middle, you'll see that the investment fee row, it's about $280 cheaper based on the current balance. It is percentages, so the bigger your balance, the more savings.\n\nChannel 1: Mhmm.\n\nChannel 0: But that's just based on the figures as of that date. And then at the bottom, you can kind of see the five year performance figure, and we're kind of bringing it back up into that depth digit space.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And if you go on the next page, here's your projection. Please take this with a grain of salt. But the five and ten year projection, if the market's doing what they did previously, you're pretty much\n\nChannel 1: Mhmm.\n\nChannel 0: looking at somewhere between 1 to 300,000 extra over the next five to ten years. But\n\nChannel 1: Yeah.\n\nChannel 0: the main thing is just that table underneath. There's a real consistency in the returns. You can kind of see underneath there one, three, five, and ten years. I just wanna make sure that on every period, you're hitting that high double digits to justify the risk that you're taking.\n\nChannel 1: Yeah. Yeah. Yeah. Okay. That's it.\n\nChannel 0: And then on the next page, Misha, you pretty much don't have anything in terms of capital gains that worry about when we rebalance your portfolio. Very small changes, but it does bump up the returns a little bit. And then on 2526, that's your projections there as well. Again, just pulling it into the double digit consistent returns. Somewhere between ten and fifty is the expected difference.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay. Alright. Now that pretty much ends the the super strategy, which is pretty much the bulk of the document. Everything after that point is why you should put in place a will and a power of attorney. So just wanted to see if you guys had any questions at this point.\n\nChannel 1: No. But I've last time we spoke, we we spoke about the will of attorney power of attorney. We still haven't done anything. That does have some manual\n\nChannel 0: No.\n\nChannel 1: leave coming up, though, so maybe we'll do that then.\n\nChannel 0: No. That's totally cool. Look. It is just that annual reminder. And the same thing I said during the review, like, if you wanna get a basic rule kit from the post office or go to the courthouse or a solicitor, there's a few options there for you guys, but it is just one of the things that we just double check on.\n\nChannel 1: Yes.\n\nChannel 0: So outside of that, was there anything else that you guys kind of needed at the moment, or was it mainly just get this kind of engine tune going and then that catch up next time as well?\n\nChannel 1: No. Where is it? Yeah. Nothing else on our end.\n\nChannel 0: Perfect. Now I wanted to just double check with you because we did do that review before I went on leave. Are you wanting me to kind of pencil in the usual twelve month catch up, or do you want me to kind of plug in for a bit more frequent quarterly,\n\nChannel 1: I think\n\nChannel 0: fixed monthly,\n\nChannel 1: I think twelve\n\nChannel 0: and so\n\nChannel 1: months\n\nChannel 0: on.\n\nChannel 1: is good for the time being. Yeah, Pat? Yeah. Twelve months is okay. Goes quick.\n\nChannel 0: Yep. Of course. If anything happens, just give us a buzz. You can call in and book in for a consultation at any point. And the usual reminder is not that we're the first port of call if something happens to you health wise, but we will help you through a claims process if you get, you know, injured or have to claim on the insurances.\n\nSo if something does happen between now and then, please just give us a call, and we can kind of start that process for you.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Outside of that so the main thing for signing today, you've got the authority to proceed on that document. And then, basically, when you go through this Odoo sign, the buttons will pull you to the sign spot, but there are six documents there. As you go through the documents, you pretty much just click next document, next document,\n\nChannel 1: Mhmm.\n\nChannel 0: unless you actually wanna scroll through all the TDSs, which is 130 pages for Clearview. We've got another 100 pages for Hub, and then Hub 24 has a 491 page investment menu that I've included for you as well for a bit of light reading on the weekend.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Mate, I'll leave you guys to it. Any other questions for me before I let you go?\n\nChannel 1: Not all good. Thank you. Yeah. No. It's all\n\nChannel 0: Well,\n\nChannel 1: good for\n\nChannel 0: I\n\nChannel 1: us.\n\nChannel 0: really appreciate you taking the time. If you have any trouble with the the signing, please just give the team a buzz. I do have the secondary email set as your Hotmail measure, underscore 05.\n\nChannel 1: Yep.\n\nChannel 0: Is that still\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Perfect. Perfect. Anything else you need? Just let me know.\n\nChannel 1: Thank you very much. Good. Thank you for that.\n\nChannel 0: No worries, guys. Have a fantastic day, and I'll talk to you again soon.\n\nChannel 1: Yeah. Have a good one. You. See you. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.12,"end":1.28,"sentiment":"neutral","sentiment_score":0.03177546709775925},{"text":"Patrick speaking.","start":1.28,"end":2.26,"sentiment":"neutral","sentiment_score":0.03660399001091719}],"sentiment":"neutral","sentiment_score":0.034994482373197876,"channel":1,"num_words":3,"start":1.12,"end":2.26},{"sentences":[{"text":"Good afternoon, Patrick.","start":3.12,"end":4.4,"sentiment":"positive","sentiment_score":0.3373490273952484},{"text":"Tommy here from.","start":4.4,"end":5.46,"sentiment":"neutral","sentiment_score":0.29479649662971497},{"text":"How are you doing?","start":5.7599998,"end":6.66,"sentiment":"neutral","sentiment_score":0.26662420481443405}],"sentiment":"neutral","sentiment_score":0.2962933391332626,"channel":0,"num_words":10,"start":3.12,"end":6.66},{"sentences":[{"text":"Good.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5147340893745422},{"text":"Good.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.5166052579879761},{"text":"Yourself?","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.39338839054107666}],"sentiment":"positive","sentiment_score":0.474909245967865,"channel":1,"num_words":3,"start":7.04,"end":8.02},{"sentences":[{"text":"Mate, living the dream so far.","start":8.639999,"end":10.16,"sentiment":"positive","sentiment_score":0.5633886655171713},{"text":"Just got back from paternity leave, so ready to","start":10.16,"end":13.599999,"sentiment":"neutral","sentiment_score":0.30156251788139343}],"sentiment":"positive","sentiment_score":0.40629297693570454,"channel":0,"num_words":15,"start":8.639999,"end":13.599999},{"sentences":[{"text":"Oh,","start":13.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.20749589800834656}],"sentiment":"neutral","sentiment_score":0.20749589800834656,"channel":1,"num_words":1,"start":13.44,"end":13.94},{"sentences":[{"text":"get back into it.","start":13.599999,"end":14.74,"sentiment":"neutral","sentiment_score":0.23884398117661476}],"sentiment":"neutral","sentiment_score":0.23884398117661476,"channel":0,"num_words":4,"start":13.599999,"end":14.74},{"sentences":[{"text":"yeah.","start":15.04,"end":15.54,"sentiment":"positive","sentiment_score":0.3446032702922821},{"text":"Congratulations, Ed.","start":16.095,"end":17.314999,"sentiment":"positive","sentiment_score":0.631216824054718}],"sentiment":"positive","sentiment_score":0.5356789728005728,"channel":1,"num_words":3,"start":15.04,"end":17.314999},{"sentences":[{"text":"Thank you.","start":17.585,"end":18.064999,"sentiment":"positive","sentiment_score":0.6678363084793091},{"text":"Thank you so much.","start":18.064999,"end":18.785,"sentiment":"positive","sentiment_score":0.5161503925919533},{"text":"But if you do hear a bit of a baby in the background, I am just working from home today, so I do apologize.","start":18.785,"end":24.005,"sentiment":"neutral","sentiment_score":-0.07775832650562127}],"sentiment":"neutral","sentiment_score":0.051135811706384024,"channel":0,"num_words":30,"start":17.585,"end":24.005},{"sentences":[{"text":"No.","start":24.414999,"end":24.575,"sentiment":"neutral","sentiment_score":-0.09518129378557204},{"text":"That's all good.","start":24.575,"end":25.294998,"sentiment":"neutral","sentiment_score":0.1622487480441729},{"text":"All good.","start":25.294998,"end":25.954998,"sentiment":"positive","sentiment_score":0.39958634972572327}],"sentiment":"neutral","sentiment_score":0.19845627496639887,"channel":1,"num_words":6,"start":24.414999,"end":25.954998},{"sentences":[{"text":"Perfect.","start":26.705,"end":27.18,"sentiment":"positive","sentiment_score":0.429179847240448},{"text":"Now I'm just gonna get this updated advice document sent through to you.","start":27.26,"end":31.44,"sentiment":"neutral","sentiment_score":0.1526728283900481},{"text":"Is Misha here today as well?","start":31.82,"end":33.6,"sentiment":"neutral","sentiment_score":0.07557039832075436}],"sentiment":"neutral","sentiment_score":0.14336745031177997,"channel":0,"num_words":20,"start":26.705,"end":33.6},{"sentences":[{"text":"Yes.","start":34.489998,"end":34.989998,"sentiment":"neutral","sentiment_score":0.07771693170070648},{"text":"You will be joining us.","start":35.13,"end":37.85,"sentiment":"neutral","sentiment_score":0.08580824434757232},{"text":"Yeah.","start":37.85,"end":38.17,"sentiment":"neutral","sentiment_score":0.08545511960983276},{"text":"So 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know when you see that there?","start":578.31494,"end":579.995,"sentiment":"neutral","sentiment_score":0.05622264432410399},{"text":"I just wanna point out a couple to 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very good fees for switching all of these investments around, around, but there's also capital gains tax.","start":584.795,"end":592.0,"sentiment":"neutral","sentiment_score":-0.24528135630217465},{"text":"So because you're in what's called a wrap platform, we can kind of control what we buy and sell.","start":592.22,"end":598.08,"sentiment":"neutral","sentiment_score":-0.105527626448556},{"text":"And then under the hood inside your super, it does pay that 15% capital gains tax.","start":598.14,"end":603.83997,"sentiment":"neutral","sentiment_score":-0.0808345265686512},{"text":"Whereas for every other type of super fund that's not a wrap, it kind of just baked it.","start":604.055,"end":608.555,"sentiment":"neutral","sentiment_score":-0.3255924880504608},{"text":"It's not really visible and not really 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saying?","start":618.45,"end":619.41,"sentiment":"neutral","sentiment_score":-0.021561622433364392}],"sentiment":"neutral","sentiment_score":-0.13874894336454177,"channel":1,"num_words":19,"start":615.01,"end":619.41},{"sentences":[{"text":"Correct.","start":619.01,"end":619.51,"sentiment":"neutral","sentiment_score":-0.02231106162071228}],"sentiment":"neutral","sentiment_score":-0.02231106162071228,"channel":0,"num_words":1,"start":619.01,"end":619.51},{"sentences":[{"text":"Kind 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and choose what we move around,","start":621.65,"end":627.51,"sentiment":"positive","sentiment_score":0.385872770100832}],"sentiment":"positive","sentiment_score":0.385872770100832,"channel":0,"num_words":24,"start":621.65,"end":627.51},{"sentences":[{"text":"Mhmm.","start":627.525,"end":628.025,"sentiment":"neutral","sentiment_score":0.32670265436172485}],"sentiment":"neutral","sentiment_score":0.32670265436172485,"channel":1,"num_words":1,"start":627.525,"end":628.025},{"sentences":[{"text":"I have factored in what capital gains tax will be paid under the hood just to make sure that it's still gonna be of a benefit for you to invest in the options that I picked.","start":627.57,"end":637.96497,"sentiment":"positive","sentiment_score":0.4668639658225907}],"sentiment":"positive","sentiment_score":0.4668639658225907,"channel":0,"num_words":36,"start":627.57,"end":637.96497},{"sentences":[{"text":"Yeah.","start":638.405,"end":638.645,"sentiment":"neutral","sentiment_score":0.1922779381275177},{"text":"Yeah.","start":638.645,"end":639.04504,"sentiment":"neutral","sentiment_score":0.17575491964817047},{"text":"Okay.","start":639.04504,"end":639.54,"sentiment":"neutral","sentiment_score":0.17050111293792725}],"sentiment":"neutral","sentiment_score":0.17951132357120514,"channel":1,"num_words":3,"start":638.405,"end":639.54},{"sentences":[{"text":"So if you scroll down past there, I'm not gonna go too crazy in the detail here, but page seventeen and eighteen as your existing and new portfolio on it.","start":640.345,"end":650.16,"sentiment":"neutral","sentiment_score":0.15340409204363822},{"text":"And you should see, like, a really big sort of blue table, heaps","start":651.25995,"end":654.45996,"sentiment":"neutral","sentiment_score":0.20785274184667146}],"sentiment":"neutral","sentiment_score":0.169865311751532,"channel":0,"num_words":43,"start":640.345,"end":654.45996},{"sentences":[{"text":"Yep.","start":654.18,"end":654.68,"sentiment":"neutral","sentiment_score":0.11815330386161804}],"sentiment":"neutral","sentiment_score":0.11815330386161804,"channel":1,"num_words":1,"start":654.18,"end":654.68},{"sentences":[{"text":"of figures and numbers and percentages.","start":654.45996,"end":656.16,"sentiment":"neutral","sentiment_score":0.12478573247790337},{"text":"So left hand side of the options, the names of them.","start":657.89996,"end":660.675,"sentiment":"neutral","sentiment_score":0.09013688428835435},{"text":"What I wanted to bring your attention to is can you see the second last column?","start":660.755,"end":664.455,"sentiment":"neutral","sentiment_score":0.06960590253584087},{"text":"Not sure if the figures are blurry or not, but they're kind of nice round percentages in that second","start":664.515,"end":669.875,"sentiment":"neutral","sentiment_score":0.12691998432733512}],"sentiment":"neutral","sentiment_score":0.10125758201600267,"channel":0,"num_words":52,"start":654.45996,"end":669.875},{"sentences":[{"text":"Yeah.","start":669.57495,"end":669.81494,"sentiment":"neutral","sentiment_score":0.0960409939289093},{"text":"Yeah.","start":669.81494,"end":670.31494,"sentiment":"neutral","sentiment_score":0.09321817755699158}],"sentiment":"neutral","sentiment_score":0.09462958574295044,"channel":1,"num_words":2,"start":669.57495,"end":670.31494},{"sentences":[{"text":"last column for the target.","start":669.875,"end":671.415,"sentiment":"neutral","sentiment_score":0.07463854923844337},{"text":"That's basically just us reweighting the portfolio as well.","start":671.955,"end":675.255,"sentiment":"neutral","sentiment_score":0.10680983795060052},{"text":"Basically saying this one's going up, this one's going down, this one's going sideways.","start":675.49,"end":679.03,"sentiment":"neutral","sentiment_score":0.058599082486970086},{"text":"Let's bring them back to the percentages that they should be, kind","start":679.41003,"end":682.93,"sentiment":"neutral","sentiment_score":0.07422027892122667}],"sentiment":"neutral","sentiment_score":0.07613779474049806,"channel":0,"num_words":40,"start":669.875,"end":682.93},{"sentences":[{"text":"Mhmm.","start":682.88,"end":683.38,"sentiment":"neutral","sentiment_score":0.009770315140485764}],"sentiment":"neutral","sentiment_score":0.009770315140485764,"channel":1,"num_words":1,"start":682.88,"end":683.38},{"sentences":[{"text":"of like buy low to sell 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in","start":688.33496,"end":690.255,"sentiment":"neutral","sentiment_score":0.05354892089962959}],"sentiment":"neutral","sentiment_score":0.06146792322397232,"channel":0,"num_words":7,"start":688.01495,"end":690.255},{"sentences":[{"text":"Okay.","start":690.115,"end":690.365,"sentiment":"neutral","sentiment_score":0.05605284497141838}],"sentiment":"neutral","sentiment_score":0.05605284497141838,"channel":1,"num_words":1,"start":690.115,"end":690.365},{"sentences":[{"text":"the","start":690.255,"end":690.415,"sentiment":"neutral","sentiment_score":0.0613829493522644}],"sentiment":"neutral","sentiment_score":0.0613829493522644,"channel":0,"num_words":1,"start":690.255,"end":690.415},{"sentences":[{"text":"Yep.","start":690.365,"end":690.865,"sentiment":"neutral","sentiment_score":0.053890299052000046}],"sentiment":"neutral","sentiment_score":0.053890299052000046,"channel":1,"num_words":1,"start":690.365,"end":690.865},{"sentences":[{"text":"bottom third of that table.","start":690.415,"end":692.195,"sentiment":"neutral","sentiment_score":0.07018076702952385},{"text":"You'll see the Benelon option that we're selling out of completely.","start":692.815,"end":695.795,"sentiment":"neutral","sentiment_score":0.056553952395915985},{"text":"And just below it, you'll see the option that we're switching it into, which is the Alfiniti Australian shares 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you've got a little bit more weighted in defensive assets 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portfolio.","start":744.875,"end":746.255,"sentiment":"neutral","sentiment_score":0.20735656842589378},{"text":"We want you at 80% shares property and gold, not 90%.","start":746.555,"end":750.655,"sentiment":"neutral","sentiment_score":0.1823081516406753}],"sentiment":"neutral","sentiment_score":0.1889877294500669,"channel":0,"num_words":15,"start":744.875,"end":750.655},{"sentences":[{"text":"Mhmm.","start":751.185,"end":751.685,"sentiment":"neutral","sentiment_score":0.14719177782535553}],"sentiment":"neutral","sentiment_score":0.14719177782535553,"channel":1,"num_words":1,"start":751.185,"end":751.685},{"sentences":[{"text":"So where that kind of comes out to is on page twenty twenty one.","start":752.875,"end":757.59503,"sentiment":"neutral","sentiment_score":0.17812425749642508},{"text":"You'll see, like, a nice big colorful pie chart of your asset 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middle row has a growth total in gray, and you can kind","start":779.715,"end":785.955,"sentiment":"neutral","sentiment_score":0.18369646547805696}],"sentiment":"neutral","sentiment_score":0.15923205522509912,"channel":0,"num_words":48,"start":767.66,"end":785.955},{"sentences":[{"text":"Mhmm.","start":785.725,"end":786.225,"sentiment":"neutral","sentiment_score":0.029483921825885773}],"sentiment":"neutral","sentiment_score":0.029483921825885773,"channel":1,"num_words":1,"start":785.725,"end":786.225},{"sentences":[{"text":"of see how your risk profile, you want 90%.","start":785.955,"end":789.09503,"sentiment":"neutral","sentiment_score":-0.01852055225107405},{"text":"You're seeing sitting at 89 at the moment.","start":789.15,"end":791.41003,"sentiment":"neutral","sentiment_score":0.052586542908102274},{"text":"We're proposing it's about 91, 92.","start":791.55005,"end":794.21,"sentiment":"neutral","sentiment_score":0.09235658869147301},{"text":"It's basically floating right there on target.","start":794.27,"end":796.61005,"sentiment":"neutral","sentiment_score":0.10453288150685174}],"sentiment":"neutral","sentiment_score":0.051329235856731735,"channel":0,"num_words":30,"start":785.955,"end":796.61005},{"sentences":[{"text":"Yeah.","start":796.92004,"end":797.24005,"sentiment":"neutral","sentiment_score":0.10300836712121964},{"text":"Yeah.","start":797.24005,"end":797.48004,"sentiment":"neutral","sentiment_score":0.10676579922437668},{"text":"Okay.","start":797.48004,"end":797.98004,"sentiment":"neutral","sentiment_score":0.1360573768615723}],"sentiment":"neutral","sentiment_score":0.1152771810690562,"channel":1,"num_words":3,"start":796.92004,"end":797.98004},{"sentences":[{"text":"Yep.","start":798.91003,"end":799.41003,"sentiment":"neutral","sentiment_score":0.1698811650276184},{"text":"If you go past there, Misha, same thing for you.","start":799.79004,"end":802.035,"sentiment":"neutral","sentiment_score":0.21505999863147734},{"text":"80% for the growth total is what you need.","start":802.19495,"end":804.675,"sentiment":"neutral","sentiment_score":0.2980869577990638},{"text":"You're sitting at 81.","start":804.675,"end":806.115,"sentiment":"neutral","sentiment_score":0.18780653178691864},{"text":"The new portfolio is sitting about 79.","start":806.115,"end":808.535,"sentiment":"neutral","sentiment_score":0.14197864915643418}],"sentiment":"neutral","sentiment_score":0.2176884013798929,"channel":0,"num_words":31,"start":798.91003,"end":808.535},{"sentences":[{"text":"Not much too different there.","start":808.915,"end":810.45496,"sentiment":"neutral","sentiment_score":-0.006736047565937042},{"text":"But the two points of difference I wanted to show you is on the page after that for the fee comparison.","start":810.83496,"end":816.77496,"sentiment":"neutral","sentiment_score":0.13047540010440917}],"sentiment":"neutral","sentiment_score":0.10408858324472721,"channel":0,"num_words":26,"start":808.915,"end":816.77496},{"sentences":[{"text":"In 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you.","start":1119.5269,"end":1120.0869,"sentiment":"positive","sentiment_score":0.5484670400619507},{"text":"Bye.","start":1120.0869,"end":1120.5869,"sentiment":"neutral","sentiment_score":-0.10238003730773926}],"sentiment":"neutral","sentiment_score":0.331518014272054,"channel":0,"num_words":3,"start":1119.5269,"end":1120.5869}]},"summary":{"result":"success","short":"The Workforce Analytics representative updates a customer on their financial situation and sends them a new advice document. They provide personal and retirement goals updates, including updating retirement savings and portfolio. The speaker emphasizes the importance of updating retirement savings and portfolio, including updating their retirement savings and portfolio. The company is trying to adjust their portfolio and switch into new investments, maintaining a smaller amount in Australian shares, and proposing a new investment option with a growth total of 15%. The speaker confirms that there are no other questions and reminds the caller to book in for a consultation. The company is maintaining a smaller amount in Australian shares while favoring international shares and providing projections for returns and capital gains."},"intents":{"segments":[{"text":"Now I'm just gonna get this updated advice document sent through to you. Is Misha here today as well? Yes.","start_word":76,"end_word":95,"intents":[{"intent":"Send updated advice document","confidence_score":0.0009422367}]},{"text":"Now I'm just gonna do the usual quick security check with you guys. Yep.","start_word":135,"end_word":148,"intents":[{"intent":"Check security check","confidence_score":0.11916091}]},{"text":"And just while that's coming through, could you please confirm your date of birth and address?","start_word":199,"end_word":214,"intents":[{"intent":"Confirm identity","confidence_score":0.32744077}]},{"text":"And just while that's coming through, could you please confirm your date of birth and address? Yep.","start_word":199,"end_word":215,"intents":[{"intent":"Confirm date of birth and address","confidence_score":0.008835215}]},{"text":"The main thing at the moment was just updating the investment in your super because when we went through the review, performance was looking really good, but we did just flag that one investment option that was dragging its feet a little bit. So I've just put together a few updates for you guys. Okay. Yep.","start_word":611,"end_word":666,"intents":[{"intent":"Update investment","confidence_score":0.36406636}]},{"text":"Now I put in some usual reminders for estate planning just in case you guys are still putting together like a will and a power of attorney and whatnot, but your beneficiary nominations are all correct and up to date.","start_word":666,"end_word":705,"intents":[{"intent":"Remind estate planning","confidence_score":0.22003035}]},{"text":"Now I put in some usual reminders for estate planning just in case you guys are still putting together like a will and a power of attorney and whatnot, but your beneficiary nominations are all correct and up to date. Yep.","start_word":666,"end_word":706,"intents":[{"intent":"Discuss financial planning","confidence_score":0.099623255}]},{"text":"Now outside of that, we do have on the next page what's limited scope, which is essentially the, like, insurance side of things where everything seemed pretty appropriate for the insurances, but I am just factoring in the premiums just to show you the impact that it does have on the super. Okay.","start_word":707,"end_word":759,"intents":[{"intent":"Discuss premiums","confidence_score":0.04595903}]},{"text":"As far as what we're not giving advice on today, it's mainly just around, like, cash flow, budgeting, debt management. So, obviously, Misha, you were looking to do the return to work, I believe, Yep. in August of this year.","start_word":760,"end_word":799,"intents":[{"intent":"Discuss return to work","confidence_score":0.06161527}]},{"text":"And then the other thing that we did touch on is that we might revisit some personal investing at some point, whether it's for wealth creation for you guys or investing for the children so that they have something there when they're 18 as well.","start_word":840,"end_word":884,"intents":[{"intent":"Discuss personal investing","confidence_score":0.55384976},{"intent":"Discuss personal investing","confidence_score":0.16256525}]},{"text":"We've got your insurance policy underneath. So we've got the hub twenty four paid policy for Pat, which is, like, life insurance, income protection, and so on.","start_word":1112,"end_word":1138,"intents":[{"intent":"Update insurance policy","confidence_score":0.055916358}]},{"text":"Now the main thing is if you could please go through to page fourteen and fifteen, you'll see strategy recommendations heading, and it's quite a large sort of wall of text there under a a best interest, Judy. Yeah.","start_word":1226,"end_word":1264,"intents":[{"intent":"Recommend portfolio updates and strategies","confidence_score":0.000057330395}]},{"text":"Now scrolling through that, you will see a pretty large table of, like, advantages and disadvantages.","start_word":1411,"end_word":1426,"intents":[{"intent":"Explain benefits of investment strategy","confidence_score":0.00040941237},{"intent":"Highlight benefits of investing strategies","confidence_score":0.022459121}]},{"text":"the main disadvantage, obviously, there's very good fees for switching all of these investments around, around, but there's also capital gains tax.","start_word":1451,"end_word":1472,"intents":[{"intent":"Identify capital gains tax","confidence_score":0.00007231221}]},{"text":"the main disadvantage, obviously, there's very good fees for switching all of these investments around, around, but there's also capital gains tax. So because you're in what's called a wrap platform, we can kind of control what we buy and sell. And then under the hood inside your super, it does pay that 15% capital gains tax.","start_word":1451,"end_word":1507,"intents":[{"intent":"Mention investment restrictions and compensations","confidence_score":1.35186164e-8}]},{"text":"So if you scroll down past there, I'm not gonna go too crazy in the detail here, but page seventeen and eighteen as your existing and new portfolio on it.","start_word":1630,"end_word":1659,"intents":[{"intent":"Discuss portfolio management","confidence_score":0.0009404088}]},{"text":"agree to kind of keep the style going, but just fix that one option up. Yeah.","start_word":1883,"end_word":1898,"intents":[{"intent":"Confirm style","confidence_score":0.004937258}]},{"text":"So where that kind of comes out to is on page twenty twenty one. You'll see, like, a nice big colorful pie chart of your asset allocation.","start_word":1952,"end_word":1978,"intents":[{"intent":"Provide chart","confidence_score":0.016364057}]},{"text":"So what we're essentially doing is maintaining a pretty smaller amount in, like, Australian shares still. Still favoring international shares, bit of property, bit of gold.","start_word":1988,"end_word":2013,"intents":[{"intent":"Maintain balance","confidence_score":0.12912248}]},{"text":"So I've factored in the capital gains tax here. In the middle, you'll see that the investment fee row, it's about $280 cheaper based on the current balance. It is percentages, so the bigger your balance, the more savings. Mhmm.","start_word":2131,"end_word":2170,"intents":[{"intent":"Explain investment fee contrast","confidence_score":0.0000038096773},{"intent":"Explain tax calculation","confidence_score":0.001275471}]},{"text":"In the middle, you'll see that the investment fee row, it's about $280 cheaper based on the current balance. It is percentages, so the bigger your balance, the more savings. Mhmm.","start_word":2140,"end_word":2170,"intents":[{"intent":"Provide investment rates","confidence_score":0.000010623292},{"intent":"Explain investment costs","confidence_score":0.0013636629}]},{"text":"Now that pretty much ends the the super strategy, which is pretty much the bulk of the document. Everything after that point is why you should put in place a will and a power of attorney. So just wanted to see if you guys had any questions at this point.","start_word":2394,"end_word":2443,"intents":[{"intent":"Clarify investment strategies","confidence_score":0.0004752483}]},{"text":"So outside of that, was there anything else that you guys kind of needed at the moment, or was it mainly just get this kind of engine tune going and then that catch up next time as well?","start_word":2547,"end_word":2584,"intents":[{"intent":"Evaluate appointment options","confidence_score":0.000024522398}]}]},"sentiments":{"segments":[{"text":"Hello. Patrick speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03596743568778038},{"text":"Good afternoon, Patrick.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.34347161650657654},{"text":"Tommy here from. How are you doing?","start_word":6,"end_word":12,"sentiment":"neutral","sentiment_score":0.2769016623497009},{"text":"Good. Good. Yourself? Mate, living the dream so far.","start_word":13,"end_word":21,"sentiment":"positive","sentiment_score":0.5039411187171936},{"text":"Just got back from paternity leave, so ready to Oh, get back into it.","start_word":22,"end_word":35,"sentiment":"neutral","sentiment_score":0.26924800872802734},{"text":"yeah. Congratulations, Ed. Thank you. Thank you so much.","start_word":36,"end_word":44,"sentiment":"positive","sentiment_score":0.5546486377716064},{"text":"But if you do hear a bit of a baby in the background, I am just working from home today, so I do apologize. No. That's all good.","start_word":45,"end_word":72,"sentiment":"neutral","sentiment_score":-0.04413968697190285},{"text":"All good. Perfect.","start_word":73,"end_word":75,"sentiment":"positive","sentiment_score":0.40743276476860046},{"text":"Now I'm just gonna get this updated advice document sent through to you. Is Misha here today as well? Yes. You will be joining us. Yeah. So yeah. Yep. I'll put you on speaker now. No worries. Yeah. How are you going?","start_word":76,"end_word":117,"sentiment":"neutral","sentiment_score":0.10675010830163956},{"text":"Fantastic, Misha.","start_word":118,"end_word":119,"sentiment":"positive","sentiment_score":0.511578381061554},{"text":"How are you doing? Yeah. Not too bad.","start_word":120,"end_word":127,"sentiment":"neutral","sentiment_score":0.23985655605793},{"text":"Thanks. Good to hear.","start_word":128,"end_word":131,"sentiment":"positive","sentiment_score":0.404038518667221},{"text":"Good to hear. Now I'm just gonna do the usual quick security check with you guys. Yep. Of I'm course. gonna pop this through. Now this will come through to, again, both emails for dining, but it all the same documents will be on Patrick's email. Will you be able to look on to the emails with me today? Yes. Perfect. Impossible. So I'll pop that through. And just while that's coming through, could you please confirm your date of birth and address? Yep. So the fifth of the tenth nineteen eighty seven, and Perfect. address is 52 Bryant Avenue, Middleton Grange 2171. Thank you so much for that. And, Patrick? Sorry. What was it? The the Date of birth, miss Trent. 06/05/1984, and address is 52 Bryant Avenue, Middleton Grange, New South Wales Perfect. two Thank one you guys seven so one.","start_word":132,"end_word":274,"sentiment":"neutral","sentiment_score":0.07106158137321472},{"text":"much for doing that. Appreciate it.","start_word":275,"end_word":280,"sentiment":"positive","sentiment_score":0.47259971499443054},{"text":"Now that should come through relatively quick. It is Yeah. quite Sorry. a Go few pages of documents just because product documents tend to be a thousand pages. ahead. But if you can hop in there with me, I'll kind of go through the key points again. And, again, Yes.","start_word":281,"end_word":330,"sentiment":"neutral","sentiment_score":0.013721916973590853},{"text":"this is just with the new system here.","start_word":331,"end_word":338,"sentiment":"positive","sentiment_score":0.3361250162124634},{"text":"So we've got a new way of adding the documents in together. Can you just let me know when you can see the first statement of advice? We're just getting the computer sorted. Bear with us. No worries at all. Now when you do get that, we're basically gonna run through the advice document today. What's come along with it, just to let you know what's there, is basically just like a a an appendix with some extra research and all of the updated product disclosure statements from all the different super funds K. insurance companies and so on. Yep. Click on. Is he yeah. You're yep. Confirm. No. Is it in my On the email? Yeah. Oh, yes. Yeah. That should go through It's to the proof Hotmail of email. address. Yeah. Yeah. Okay. Alright. Okay. So open it up, Yeah. So I'm when you hit the guessing. sign here button, it basically Yeah. just Yeah. brings the documents up to scroll through first. It Yeah. should Yeah. Yeah. give Mhmm. you, like, a electronic consent there. And what you should see the first one kind of like a Gold Coast beachfront city picture Yep. on it. Yeah. Yeah.","start_word":339,"end_word":538,"sentiment":"neutral","sentiment_score":0.10151778906583786},{"text":"Got that. Perfect.","start_word":539,"end_word":541,"sentiment":"positive","sentiment_score":0.4883685111999512},{"text":"So if you scroll down to page four with me, you'll see the scope of advice, which is essentially what we discussed as what we're updating and what we're not giving advice on in this particular document. So just let me know when you can see the scope of advice heading. Yep.","start_word":542,"end_word":593,"sentiment":"neutral","sentiment_score":0.05177348479628563},{"text":"Correct. Cool. So what I've got in here is basically joint retirement goal for you guys.","start_word":594,"end_word":609,"sentiment":"positive","sentiment_score":0.4738567173480987},{"text":"The main thing at the moment was just updating the investment in your super because when we went through the review, performance was looking really good, but we did just flag that one investment option that was dragging its feet a little bit. So I've just put together a few updates for you guys. Okay. Yep. Now I put in some usual reminders for estate planning just in case you guys are still putting together like a will and a power of attorney and whatnot, but your beneficiary nominations are all correct and up to date. Yep. Now outside of that, we do have on the next page what's limited scope, which is essentially the, like, insurance side of things where everything seemed pretty appropriate for the insurances, but I am just factoring in the premiums just to show you the impact that it does have on the super. Okay. As far as what we're not giving advice on today, it's mainly just around, like, cash flow, budgeting, debt management. So, obviously, Misha, you were looking to do the return to work, I believe, Yep. in August of this year. Yep. That's right. The main focus for you guys was basically just rebuild the savings, possibly looking at upgrading the family home or maybe an investment property, but that's more like a next year kind of thing. Correct. Yep. Yep. And then the other thing that we did touch on is that we might revisit some personal investing at some point, whether it's for wealth creation for you guys or investing for the children so that they have something there when they're 18 as well. So a bit of a future goal there. Yep.","start_word":610,"end_word":893,"sentiment":"neutral","sentiment_score":0.09064310789108276},{"text":"Perfect.","start_word":894,"end_word":894,"sentiment":"positive","sentiment_score":0.5148216485977173},{"text":"Now if you go past there, there'll be in red a limited advice warning, which is just basically saying we're not giving advice on everything under the sun.","start_word":895,"end_word":922,"sentiment":"neutral","sentiment_score":-0.2521331012248993},{"text":"And if anything that we've obtained information wise is inaccurate, that may obviously impact the recommendations.","start_word":923,"end_word":938,"sentiment":"negative","sentiment_score":-0.3686580359935761},{"text":"But if you can Yep. just go through past there to the about use section and the assets and liabilities on the page after that, just making sure that all that's still accurate. So I've basically included Yep. your return to work income there, Misha, which I think we've put down as about 92,000, but your full salary package includes, like, the car allowance, Mhmm. so it brings someone up to a 105. And, Patrick, you're still on $1.28 as the engineer. Yep. Yep. Yep. Outside of that, we've got the home, the cars, and the offset account. That's basically what we had for assets and liabilities. Anything too crazy out of the ordinary there? The the car's paid off, though, if we've got that right.","start_word":939,"end_word":1064,"sentiment":"neutral","sentiment_score":0.037347978897511014},{"text":"Perfect.","start_word":1065,"end_word":1065,"sentiment":"positive","sentiment_score":0.49207285046577454},{"text":"And is that for both of them? Pat's car is a work car. It's two of the trade, and then my car, we we own that.","start_word":1066,"end_word":1091,"sentiment":"neutral","sentiment_score":0.107728511095047},{"text":"Perfect. I'll update that.","start_word":1092,"end_word":1095,"sentiment":"positive","sentiment_score":0.38831451535224915},{"text":"Patrick is work car. Is paid off.","start_word":1096,"end_word":1102,"sentiment":"neutral","sentiment_score":0.10486149042844772},{"text":"Thank you very much for that. Done and done.","start_word":1103,"end_word":1111,"sentiment":"positive","sentiment_score":0.66276615858078},{"text":"We've got your insurance policy underneath. So we've got the hub twenty four paid policy for Pat, which is, like, life insurance, income protection, and so on. And, Misha, yours is with Clearview. And if you keep scrolling through for me so you go through those, you've got the super. You've got the insurance protection portfolios. And then on page sort of ten, eleven, we've Alright. got your risk profiles. Yep. Yep.","start_word":1112,"end_word":1183,"sentiment":"neutral","sentiment_score":0.16867540776729584},{"text":"Cool. So, Pat, you're still high growth. Again, 90% growth assets going for as much growth as possible.","start_word":1184,"end_word":1201,"sentiment":"positive","sentiment_score":0.4095914661884308},{"text":"Misha, Mhmm. we've still got you down as a a growth investor. So four out of five versus five out of five. Yep. Now the main thing is if you could please go through to page fourteen and fifteen, you'll see strategy recommendations heading, and it's quite a large sort of wall of text there under a a best interest, Judy. Yeah. Yep. Strategy recommendations.","start_word":1202,"end_word":1266,"sentiment":"neutral","sentiment_score":0.028955436669863187},{"text":"Yep. Perfect.","start_word":1267,"end_word":1268,"sentiment":"positive","sentiment_score":0.5870785117149353},{"text":"So this section basically just outlines for both of you guys what we're doing and why and all the different sort of pros and cons, how it links in with your goals. So the easy summary of this is the Benelon option was underperforming. So we're updating the portfolio with a few changes. It's gonna save on some fees. There'll still be the usual brokerage fees for investments inside Hub using ETFs. And your retirement goal is still at least eighteen years away.","start_word":1269,"end_word":1351,"sentiment":"neutral","sentiment_score":0.14649870991706848},{"text":"So what I'm basically doing is just trying to make sure that over the next ten years, we're gonna get you in a better position.","start_word":1352,"end_word":1376,"sentiment":"positive","sentiment_score":0.40760600566864014},{"text":"Once you get a bit closer to retirement, we'll kind of revisit an retirement analysis to see if you're on track and how long the funds would last when you're a little bit older. Now scrolling through that, you will see a pretty large table of, like, advantages and disadvantages. And can you just let me know when you see that there? I just wanna point out a couple to you. So Yep. Yep. the main disadvantage, obviously, there's very good fees for switching all of these investments around, around, but there's also capital gains tax. So because you're in what's called a wrap platform, we can kind of control what we buy and sell. And then under the hood inside your super, it does pay that 15% capital gains tax. Whereas for every other type of super fund that's not a wrap, it kind of just baked it.","start_word":1377,"end_word":1525,"sentiment":"neutral","sentiment_score":-0.049761947244405746},{"text":"It's not really visible and not really controllable.","start_word":1526,"end_word":1533,"sentiment":"negative","sentiment_score":-0.40164560079574585},{"text":"Does that sort of make sense? Yeah. So we don't really see it. It just gets paid kind of thing. Is that what you're Correct. saying? Kind Correct. of on. Yeah. Yep.","start_word":1534,"end_word":1565,"sentiment":"neutral","sentiment_score":-0.07612428907305002},{"text":"So what we've done is because we can see it inside Hub and we can kind of pick and choose what we move around, Mhmm. I have factored in what capital gains tax will be paid under the hood just to make sure that it's still gonna be of a benefit for you to invest in the options that I picked.","start_word":1566,"end_word":1626,"sentiment":"positive","sentiment_score":0.4323988854885102},{"text":"Yeah. Yeah. Okay. So if you scroll down past there, I'm not gonna go too crazy in the detail here, but page seventeen and eighteen as your existing and new portfolio on it. And you should see, like, a really big sort of blue table, heaps Yep. of figures and numbers and percentages. So left hand side of the options, the names of them. What I wanted to bring your attention to is can you see the second last column? Not sure if the figures are blurry or not, but they're kind of nice round percentages in that second Yeah. Yeah. last column for the target. That's basically just us reweighting the portfolio as well. Basically saying this one's going up, this one's going down, this one's going sideways. Let's bring them back to the percentages that they should be, kind Mhmm. of like buy low to sell high. Yeah. Yeah. Yep. Now the major change is in Okay. the Yep. bottom third of that table. You'll see the Benelon option that we're selling out of completely. And just below it, you'll see the option that we're switching it into, which is the Alfiniti Australian shares option. K. Yeah. Yeah. Yep. So, basically, side by side, it's about 10% less in fees and has much better performance over one, three, five, and ten years, but it Mhmm. still maintains that same style of active investment.","start_word":1627,"end_word":1861,"sentiment":"neutral","sentiment_score":0.13199084997177124},{"text":"So they're still trying to pick and choose investments to try and get you a better outcome.","start_word":1862,"end_word":1878,"sentiment":"positive","sentiment_score":0.36998382210731506},{"text":"We basically Yeah. agree to kind of keep the style going, but just fix that one option up. Yeah. Okay. Yep. So similar thing, if you go down past there, you'll start to see Misha's table as well.","start_word":1879,"end_word":1916,"sentiment":"neutral","sentiment_score":0.1486396387611565},{"text":"Pretty similar.","start_word":1917,"end_word":1918,"sentiment":"positive","sentiment_score":0.3500826954841614},{"text":"It's just that you've got a little bit more weighted in defensive assets because Yep. of Yep. being that growth portfolio. We want you at 80% shares property and gold, not 90%. Mhmm. So where that kind of comes out to is on page twenty twenty one.","start_word":1919,"end_word":1965,"sentiment":"neutral","sentiment_score":0.1888866424560547},{"text":"You'll see, like, a nice big colorful pie chart of your asset allocation.","start_word":1966,"end_word":1978,"sentiment":"positive","sentiment_score":0.34071084856987},{"text":"Mhmm. Yeah. Yeah. Okay. So let's see. System. K? So what we're essentially doing is maintaining a pretty smaller amount in, like, Australian shares still. Still favoring international shares, bit of property, bit of gold. What's really important on that table is the very middle row has a growth total in gray, and you can kind Mhmm. of see how your risk profile, you want 90%. You're seeing sitting at 89 at the moment. We're proposing it's about 91, 92. It's basically floating right there on target. Yeah. Yeah. Okay. Yep. If you go past there, Misha, same thing for you. 80% for the growth total is what you need. You're sitting at 81. The new portfolio is sitting about 79. Not much too different there. But the two points of difference I wanted to show you is on the page after that for the fee comparison. In comparison. Yep. Okay. Yep. So I've factored in the capital gains tax here. In the middle, you'll see that the investment fee row, it's about $280 cheaper based on the current balance. It is percentages, so the bigger your balance, the more savings. Mhmm. But that's just based on the figures as of that date. And then at the bottom, you can kind of see the five year performance figure, and we're kind of bringing it back up into that depth digit space. Yeah. Okay. And if you go on the next page, here's your projection. Please take this with a grain of salt. But the five and ten year projection, if the market's doing what they did previously, you're pretty much Mhmm. looking at somewhere between 1 to 300,000 extra over the next five to ten years. But Yeah. the main thing is just that table underneath.","start_word":1979,"end_word":2274,"sentiment":"neutral","sentiment_score":0.13615382125450148},{"text":"There's a real consistency in the returns.","start_word":2275,"end_word":2281,"sentiment":"positive","sentiment_score":0.41573986411094666},{"text":"You can kind of see underneath there one, three, five, and ten years. I just wanna make sure that on every period, you're hitting that high double digits to justify the risk that you're taking. Yeah. Yeah. Yeah. Okay. That's it. And then on the next page, Misha, you pretty much don't have anything in terms of capital gains that worry about when we rebalance your portfolio. Very small changes, but it does bump up the returns a little bit. And then on 2526, that's your projections there as well. Again, just pulling it into the double digit consistent returns. Somewhere between ten and fifty is the expected difference. Mhmm. Okay. Alright. Now that pretty much ends the the super strategy, which is pretty much the bulk of the document. Everything after that point is why you should put in place a will and a power of attorney. So just wanted to see if you guys had any questions at this point. No. But I've last time we spoke, we we spoke about the will of attorney power of attorney. We still haven't done anything. That does have some manual No. leave coming up, though, so maybe we'll do that then. No.","start_word":2282,"end_word":2483,"sentiment":"neutral","sentiment_score":0.1017606556415558},{"text":"That's totally cool.","start_word":2484,"end_word":2486,"sentiment":"positive","sentiment_score":0.3962035179138184},{"text":"Look. It is just that annual reminder. And the same thing I said during the review, like, if you wanna get a basic rule kit from the post office or go to the courthouse or a solicitor, there's a few options there for you guys, but it is just one of the things that we just double check on. Yes. So outside of that, was there anything else that you guys kind of needed at the moment, or was it mainly just get this kind of engine tune going and then that catch up next time as well? No. Where is it? Yeah. Nothing else on our end.","start_word":2487,"end_word":2594,"sentiment":"neutral","sentiment_score":0.1205754429101944},{"text":"Perfect.","start_word":2595,"end_word":2595,"sentiment":"positive","sentiment_score":0.634401798248291},{"text":"Now I wanted to just double check with you because we did do that review before I went on leave. Are you wanting me to kind of pencil in the usual twelve month catch up, or do you want me to kind of plug in for a bit more frequent quarterly, I think fixed monthly, I think twelve and so months on.","start_word":2596,"end_word":2657,"sentiment":"neutral","sentiment_score":0.2147023230791092},{"text":"is good for the time being.","start_word":2658,"end_word":2663,"sentiment":"positive","sentiment_score":0.43233832716941833},{"text":"Yeah, Pat? Yeah.","start_word":2664,"end_word":2666,"sentiment":"neutral","sentiment_score":0.2177620381116867},{"text":"Twelve months is okay. Goes quick.","start_word":2667,"end_word":2672,"sentiment":"positive","sentiment_score":0.4657004475593567},{"text":"Yep. Of course. If anything happens, just give us a buzz. You can call in and book in for a consultation at any point. And the usual reminder is not that we're the first port of call if something happens to you health wise, but we will help you through a claims process if you get, you know, injured or have to claim on the insurances. So if something does happen between now and then, please just give us a call, and we can kind of start that process for you.","start_word":2673,"end_word":2763,"sentiment":"neutral","sentiment_score":0.1822095811367035},{"text":"Yes. Cool.","start_word":2764,"end_word":2765,"sentiment":"positive","sentiment_score":0.3766850233078003},{"text":"Outside of that so the main thing for signing today, you've got the authority to proceed on that document. And then, basically, when you go through this Odoo sign, the buttons will pull you to the sign spot, but there are six documents there. As you go through the documents, you pretty much just click next document, next document, Mhmm. unless you actually wanna scroll through all the TDSs, which is 130 pages for Clearview. We've got another 100 pages for Hub, and then Hub 24 has a 491 page investment menu that I've included for you as well for a bit of light reading on the weekend.","start_word":2766,"end_word":2873,"sentiment":"neutral","sentiment_score":0.11287851569553216},{"text":"Yep. Awesome. Mate, I'll leave you guys to it.","start_word":2874,"end_word":2882,"sentiment":"positive","sentiment_score":0.5328071117401123},{"text":"Any other questions for me before I let you go? Not all good. Thank you. Yeah. No. It's all Well, good for I us.","start_word":2883,"end_word":2906,"sentiment":"neutral","sentiment_score":0.1609906405210495},{"text":"really appreciate you taking the time.","start_word":2907,"end_word":2912,"sentiment":"positive","sentiment_score":0.659379243850708},{"text":"If you have any trouble with the the signing, please just give the team a buzz. I do have the secondary email set as your Hotmail measure, underscore 05. Is Yep. that still Yep. okay? Yep. That's correct.","start_word":2913,"end_word":2950,"sentiment":"neutral","sentiment_score":0.08826949447393417},{"text":"Perfect. Perfect. Anything else you need?","start_word":2951,"end_word":2956,"sentiment":"positive","sentiment_score":0.5393704771995544},{"text":"Just let me know.","start_word":2957,"end_word":2960,"sentiment":"neutral","sentiment_score":0.27233442664146423},{"text":"Thank you very much. Good. Thank you for that. No worries, guys. Have a fantastic day, and I'll talk to you again soon. Yeah. Have a good one. You. See you.","start_word":2961,"end_word":2991,"sentiment":"positive","sentiment_score":0.6573212146759033},{"text":"Bye.","start_word":2992,"end_word":2992,"sentiment":"neutral","sentiment_score":0.23773062229156497},{"text":"Thank you.","start_word":2993,"end_word":2994,"sentiment":"positive","sentiment_score":0.5577849745750427},{"text":"Bye.","start_word":2995,"end_word":2995,"sentiment":"neutral","sentiment_score":0.2863185405731201}],"average":{"sentiment":"neutral","sentiment_score":0.13070477512275175}}}}