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Just before I go any further, though, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. Michael, can I please ask you to confirm your full name, date of birth, and address? Thank you very much. I'm phoning today to complete your annual review. Do you have time for that? Oh, and I'm so sorry for rescheduling on Thursday. I had had a last minute medical appointment that I need to make. So thank you. Oh, okay. So, Michael, has much changed for you or anything significant since you last had a review with Oak Oakview? No? No? Okay. What I would like to do, if that's okay, is we go I'm gonna run through the information that we hold on file for you to make sure it's current and relevant. And then I'm going to send you an email with a review pack in it that will have a some documentation we'll walk through if you have access to your emails. Okay. Fantastic. Well, just to start with, I'll just run through. Can I confirm if your marital status so you we've got you listed as single? Is that correct? I nothing? Okay. Okay. That's alright. And still working as an electrician? Yep. Who's your employer? Energex Energy. Yep. Okay. And I've got you noted as full time. Is that thirty eight hours a week? Okay. I have your income down as 60. Is that correct? Yeah? Okay. Does that include super or plus super? Okay. You can usually tell by checking your payslip if you're if you're ever curious. I'll leave it at 60 plus super. That makes a little bit more sense for an electrician. I have here that your expenditure is $1,000 a week. Would that be correct? And your savings at about a $100 a week? Yeah. Yeah? Okay. Do you make any additional contributions for super? No. Not yet. Do you plan on what are you wanting to do so? Oh, okay. No worries at all. Well, we can revisit that shortly. You we have your property valued at 600,000 with no debt. Is that still correct? And you are you at 60,000 with no debt? Yeah. And you mentioned you have some savings. Do you do you use a bank account or another investment for that? Yes. Do you know roughly how much you have in there? 80 Beautiful. Good favor. Alright. Nice. Yeah. I'm I've got two children and a husband, and I definitely don't have that. That's for sure. Just a couple of financial questions. Have you ever been declared bankrupt or been a part of a debt agreement? No. That's fantastic. I have you here as a non smoker. Is that still correct? You are? Oh, okay. That's okay. Roughly, how many day how many days? How many per day? Yep. Alright. And do you have any significant health injuries or take any injuries or issues or take any medication? Yes. Okay. And do you have a will or power of attorney in place? No. Okay. Alright. So with your goals and objectives, I have four listed here. I just wanted to run over them with you to see if they are still something you're working towards. One was depending on what happens with COVID and the borders are are reopening, you'd like to travel around Europe. Is that still the case, or have you achieved that? No? Is it something yeah. Yeah. You wanna travel? Do you have a time frame? Yep. Okay. Is it during retirement or before retirement? The next five years? Yep. Yep. Any any place special? Beautiful. Okay. The next one was you'd is in regards to your lifestyle and I think potentially your retirement. I'll just get some clarity here. Live your best life and travel whenever you want. Exactly. Now and in retirement? Is Would that be now and in retirement? Yeah. Yep. Okay. Beautiful. With your superannuation, your goal was that super is your nest egg, and you're relying on this as one of your biggest assets when you retire for income, would that still be correct? And when you think of your super, what are your goals with it? Is it is it growth? Is it well, obviously, growth. But the bigger picture is is, I guess, what I'm trying to ask is at what age do you see yourself retiring and being debt free in this in the position you are, which is fantastic, what kind of income do you think you would need? Okay. And at what age? Yep. Five. Okay. Alright. I'm going yeah. Okay. Well, you can leave that definitely leave that with me. So with your house, I just wonder, will you be at retirement? Would you keep your house? Would you look to downsize? What are your thoughts there? No? Okay. Yeah. Yep. Okay. Okay. And then your last goal was if you want if it if I was to pass, you would like your family to be protected against any outstanding debt you may have. Well, you don't have any debt that I noted. Anything is there in that would be in relation to your insurance your insurances, which would be life and TPD, which you don't have any. You just have income protection. Is that still relevant, that particular goal? Yep. So it's yep. So would it be more just ensuring that your income's protected if you're unable to work? Yep. Yeah. Okay. I'll just update that one. Any other goals that you can think of that you're working towards, whether they be financial or lifestyle? Yep. Okay. Okay. What I'm gonna do is just run a quick calculation just to make sure that we actually have your income down correctly. Yeah. I might get you to check your income. You said you got a little bit of a pay rise. When you have some time, you don't have to do it now. You can confirm to me later if you like. Just based on 60, after tax, that's about $50,000 a year. So with your expenditure at a thousand dollar a week and your savings at about a $100 a week, there's a bit of a not due to 60. 60? Sorry. What yeah. So your wage must be more than 60. So you don't tax on 60? You're not sure? That's okay. You're absolutely Yeah. Okay. Fantastic. And how much rent do you get from that? Okay. So that 1,000 expenses is your rent that you pay for where you live. Is that right? Oh, so you live in the home as well. Oh, okay. So you rent out part of the house. Yeah. Okay. Fantastic. That makes more sense. So I'm just trying to figure out the figures. So do you know how much you get in your bank account each week for your pay? Because I can work it out backwards from there if you like. Yep. Okay. I can work it out backwards, so don't don't worry about that. That's all fine there. Your wage. Yes. Alright. That is I can do the backward math on that, so that is absolutely fine. Do you have access to your emails at the moment? I'm just gonna send you an email, and it will come from myself and also reference Odoo sign. Just in our review pack that I'm gonna share with you. So when you open that email, you'll need to click the button that says sign to open the documentation, but you're not signing anything at the moment. We're just gonna talk through the that. Yeah. Yes. I am. Okay. Alright. So the first document you'll be looking at is a summary of superannuation insurance. Is that right? Okay. It's just a very brief overview. So you've got your superannuation with Hub twenty four, who's the platform, and the balance is sitting at $181,325. And your income protection is with Cal for $4,630 per month is your swim insured. Your waiting period is sixty days, and your benefit period is five years. And that premium is funded from your superannuation funds. So that's just an overview of what we're gonna go through, the cover page as such. The next document is the performance report with Hub for the last twelve months of your portfolio. The first one you'll see at the top is the Benelon concentrated Australian equity fund. This is tagged in my notes to talk to you about. You'll save you'll see that it's performed negatively in the last twelve months. The the reason for this is not that the Australian share market, although recently has had a bit of a downturn, but has performed badly. It's more Benelong's investment mandate. So different funds, investment managers will have different mandates they follow. Benelong's is that they their aim is to undervalued companies in the Australian share market for growth opportunities. And in the last twelve months, it's been the banks and the resources that have performed in the Australian share market, which has led to the Bennelong Australian Equities Fund's mandate being unsuccessful as such. So one of the things that we're looking at with all of our clients at the moment is alternatives to the Bennelong Fund. As long as comp clients are comfortable with it, my goal is to find an alternative if it's appropriate and then make a recommendation to you to replace if you're comfortable with that. Yep. The rest of your portfolio in regards to performance and whether when our investment committee reviews them for appropriateness and that we wish to continue maintaining them. They're all performing really well. We're happy with them. You've got some great exposure to some niche markets like cybersecurity, battery tech, and lithium, which have all performed very well in the last twelve months. You've got some gold and silver exposure along with some different economy exposure as well, so through Asia and Europe and the world and US. Sorry. So you've got some great diversification in there that really does help when different sectors are not performing fantastically. You've got the others in there to bump it up and try and lift the portfolio. If you go so overall, the performance for the last twelve months was only 3.29% of the whole entire portfolio, and that's been impacted by the Bennelong Fund, unfortunately. Next document is the six month performance. We've included these for all of our clients within that hold the Bennelong the Bennelong investment. You'll see that the six month performance, they're starting to bounce back. It's now a positive, but we're still not comfortable maintaining that our client's exposure to that fund given the systemic underperformance that they had in the previous twelve months. So even though it is bouncing back, we're just not comfortable with it, and we're still wishing to look at alternatives. But where it the portfolio is definitely starting to recover. So it's bouncing back up with an annualized return forecasted at about 8% 8.01%. So it is bouncing back, but we still wanna look at replacing Van Alarm if you're comfortable with that. Yep. Okay. Okay. Any any questions about any of that before I go further? Okay. No. Unfortunately yeah. It's one of the benefits of having a actively managed account is we we've got a we have a responsibility to make sure that we engage with our clients and perform reviews. And that's why these reviews are so beneficial to make sure that we're able to have these chats and and make the changes when they're needed. So it's very beneficial in that respect. The next the next document is the Vanguard index chart. This is just a visual aid that I like to just talk through with clients and explain in relation to also the client's risk profile, which yours is a growth investor. So the top four shares being The US shares, Australian international, and Australian listed property. They're your gross assets with the bottom two being Australian bonds and cash, being your defensive assets. So you can see those top four experience significant volatility, and that's where your growth the growth part of your portfolio sits with the bottom two providing income and growth minimal growth over the long term. Your being a growth investor, you're invested 80 approximately 80% of your superannuation funds are invested across the top four listed above with the remaining 20% across the defensive assets listed below. So my job is to have a conversation with you to make sure that you're comfortable with that, you understand it. You're 51. So if you're looking at retirement at the age of 65, in a growth investor portfolio, we say that there's a minimum of six years investment time frame, and that's solely to withstand market volatility. So if there is a bad year, you have time to recover. Because in a growth portfolio, we do statistically estimate that one in every five years is a negative return. Does that make sense? Yeah. Now are you comfortable maintaining a growth risk profile as you have, or did you wanna look at adjusting it and reducing any of your growth exposure or changing it at all? Yep. Okay. The next document is your what would I recommend? I would need to ask a few questions about your risk profile. But based on your gross risk profile, your time frame to retirement, which is fourteen years, I would I would be confident for you to maintain a gross risk profile if you wanted to. If I thought that you should take a higher level of risk, I'd need to complete a risk profile with you just to see where you sit and whether I'd be comfortable making that recommendation. But given your your time frame that you've already had exposure to gross assets and the gross risk profile and even your response to the Ben along Australian Equities Fund being down and underperforming, you didn't have a significant amount of anxiety surrounding that or concern in your voice. It was just more what I interpret as not ideal if it was exactly your words. So I think you understand how markets move, but it's really for me, it's important that the clients my clients can pass the sleep at night test. So if you're comfortable, I would recommend maintaining your gross risk profile. If if you wanted to take on more growth and obtain my recommendation with that, I'd need to complete a risk profile with you. Yeah? Okay. That's fine. The next document is your TEL certificate of insurance. So that's just showing you that your income protection is valid and enforced. The following document is our financial services guide. This document tells you who we are, who we're licensed through, the type of advice we provide, and how we provide it along with our fees. And if you're unhappy with any services, how you can go about making a complaint. There's only two more documents to go. The next document is the ongoing service agreement. So that just outlines what our fees are. So if you wish to continue as a client of Oakview, It is calculated by a percentage, which is 1.65%, and then set at a fixed dollar fee. So for yourself, that is $3,141.46 per annum, which equates to approximately $261.80 per month, which would be funded from your super fund. We've changed the fee structure recently. It used to just be set at a 1.65% fee, basically. So every month, the fee would vary depending on the market balance the sorry, the balance of the super fund. So what that meant was in times when your portfolio was doing great, we would get paid more, which isn't ideal, and it's not transparent for clients. So what we've done is we've fixed that fee for a twelve month period so that the clients have full transparency about over what fee they will be charged. So if you're happy to continue, that's one form that you will need to sign electronically for me. And then the the next form is your authority for a tax for the us to hold your tax file number. So we do presently hold your tax file number on file, and that was from when we set up your superannuation fund to ensure that you didn't get taxed as a non Australian resident. So this is just the your authority stating that you understand that we do hold it on file for you and that you're comfortable with that. So those last two forms are the ones that need signing should you wish to continue with us. Okay. Do you have any big questions for me? No. I've got here just your beneficiaries for your superannuation being Elizabeth and Theo. How old are they? Are they? Yep. Okay. That's alright. I just wanted to flag that the that as they're not financial dependence under the superannuation law, they will pay upon your passing, which we'll refer to as yesterday because we know that that did not happen. Any funds payable to them will be payable at 17%. The government will take 17% tax. If if you have a will and you establish a will, it's still gonna be taxed, but it will be taxed at 15% instead. So less the 2% Medicare. So if you are interested in establishing a will and a power of attorney, which I do strongly recommend, I can send you a brochure of a professional partner of ours that does do it for a very reasonable cost, and they can do it virtually over the phone with you and through Teams meetings or whatever method you need. Because a a power of attorney is a very powerful document that allows someone to make decisions on your behalf if you are unable to. So whereas the will will decide where your estate goes in line with your wishes. So they're they're very important documents, and I would recommend definitely at least investigating them to have them established. Yeah? Okay. That's right. Would you like me to send you the brochure so you have it to have a read? Okay. Do you have any other questions for me, Michael? No? Okay. So would it be okay if I reach out to you in about a week and a half, two weeks to set up another time just to run through that those portfolio changes that I talked to you about? Yeah. Just to change that, Bennelong fund if I can find a better alternative for you. Fantastic. Alright. Thank you so much for your time, Michael. I really appreciate it. Have a lovely evening. Okay. 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from Oakview Financial. Hi, Michael. It's Jenny here from Oakview Financial. How are you today? I'm good.\n\nThank you. Just before I go any further, though, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Thank you. Michael, can I please ask you to confirm your full name, date of birth, and address?\n\nThank you very much. I'm phoning today to complete your annual review. Do you have time for that? Oh, and I'm so sorry for rescheduling on Thursday. I had had a last minute medical appointment that I need to make.\n\nSo thank you. Oh, okay. So, Michael, has much changed for you or anything significant since you last had a review with Oak Oakview? No? No?\n\nOkay. What I would like to do, if that's okay, is we go I'm gonna run through the information that we hold on file for you to make sure it's current and relevant. And then I'm going to send you an email with a review pack in it that will have a some documentation we'll walk through if you have access to your emails. Okay. Fantastic.\n\nWell, just to start with, I'll just run through. Can I confirm if your marital status so you we've got you listed as single? Is that correct? I nothing? Okay.\n\nOkay. That's alright. And still working as an electrician? Yep. Who's your employer?\n\nEnergex Energy. Yep. Okay. And I've got you noted as full time. Is that thirty eight hours a week?\n\nOkay. I have your income down as 60. Is that correct? Yeah? Okay.\n\nDoes that include super or plus super? Okay. You can usually tell by checking your payslip if you're if you're ever curious. I'll leave it at 60 plus super. That makes a little bit more sense for an electrician.\n\nI have here that your expenditure is $1,000 a week. Would that be correct? And your savings at about a $100 a week? Yeah. Yeah?\n\nOkay. Do you make any additional contributions for super? No. Not yet. Do you plan on what are you wanting to do so?\n\nOh, okay. No worries at all. Well, we can revisit that shortly. You we have your property valued at 600,000 with no debt. Is that still correct?\n\nAnd you are you at 60,000 with no debt? Yeah. And you mentioned you have some savings. Do you do you use a bank account or another investment for that? Yes.\n\nDo you know roughly how much you have in there? 80 Beautiful. Good favor. Alright. Nice.\n\nYeah. I'm I've got two children and a husband, and I definitely don't have that. That's for sure. Just a couple of financial questions. Have you ever been declared bankrupt or been a part of a debt agreement?\n\nNo. That's fantastic. I have you here as a non smoker. Is that still correct? You are?\n\nOh, okay. That's okay. Roughly, how many day how many days? How many per day? Yep.\n\nAlright. And do you have any significant health injuries or take any injuries or issues or take any medication? Yes. Okay. And do you have a will or power of attorney in place?\n\nNo. Okay. Alright. So with your goals and objectives, I have four listed here. I just wanted to run over them with you to see if they are still something you're working towards.\n\nOne was depending on what happens with COVID and the borders are are reopening, you'd like to travel around Europe. Is that still the case, or have you achieved that? No? Is it something yeah. Yeah.\n\nYou wanna travel? Do you have a time frame? Yep. Okay. Is it during retirement or before retirement?\n\nThe next five years? Yep. Yep. Any any place special? Beautiful.\n\nOkay. The next one was you'd is in regards to your lifestyle and I think potentially your retirement. I'll just get some clarity here. Live your best life and travel whenever you want. Exactly.\n\nNow and in retirement? Is Would that be now and in retirement? Yeah. Yep. Okay.\n\nBeautiful. With your superannuation, your goal was that super is your nest egg, and you're relying on this as one of your biggest assets when you retire for income, would that still be correct? And when you think of your super, what are your goals with it? Is it is it growth? Is it well, obviously, growth.\n\nBut the bigger picture is is, I guess, what I'm trying to ask is at what age do you see yourself retiring and being debt free in this in the position you are, which is fantastic, what kind of income do you think you would need? Okay. And at what age? Yep. Five.\n\nOkay. Alright. I'm going yeah. Okay. Well, you can leave that definitely leave that with me.\n\nSo with your house, I just wonder, will you be at retirement? Would you keep your house? Would you look to downsize? What are your thoughts there? No?\n\nOkay. Yeah. Yep. Okay. Okay.\n\nAnd then your last goal was if you want if it if I was to pass, you would like your family to be protected against any outstanding debt you may have. Well, you don't have any debt that I noted. Anything is there in that would be in relation to your insurance your insurances, which would be life and TPD, which you don't have any. You just have income protection. Is that still relevant, that particular goal?\n\nYep. So it's yep. So would it be more just ensuring that your income's protected if you're unable to work? Yep. Yeah.\n\nOkay. I'll just update that one. Any other goals that you can think of that you're working towards, whether they be financial or lifestyle? Yep. Okay.\n\nOkay. What I'm gonna do is just run a quick calculation just to make sure that we actually have your income down correctly. Yeah. I might get you to check your income. You said you got a little bit of a pay rise.\n\nWhen you have some time, you don't have to do it now. You can confirm to me later if you like. Just based on 60, after tax, that's about $50,000 a year. So with your expenditure at a thousand dollar a week and your savings at about a $100 a week, there's a bit of a not due to 60. 60?\n\nSorry. What yeah. So your wage must be more than 60. So you don't tax on 60? You're not sure?\n\nThat's okay. You're absolutely Yeah. Okay. Fantastic. And how much rent do you get from that?\n\nOkay. So that 1,000 expenses is your rent that you pay for where you live. Is that right? Oh, so you live in the home as well. Oh, okay.\n\nSo you rent out part of the house. Yeah. Okay. Fantastic. That makes more sense.\n\nSo I'm just trying to figure out the figures. So do you know how much you get in your bank account each week for your pay? Because I can work it out backwards from there if you like. Yep. Okay.\n\nI can work it out backwards, so don't don't worry about that. That's all fine there. Your wage. Yes. Alright.\n\nThat is I can do the backward math on that, so that is absolutely fine. Do you have access to your emails at the moment? I'm just gonna send you an email, and it will come from myself and also reference Odoo sign. Just in our review pack that I'm gonna share with you. So when you open that email, you'll need to click the button that says sign to open the documentation, but you're not signing anything at the moment.\n\nWe're just gonna talk through the that. Yeah. Yes. I am. Okay.\n\nAlright. So the first document you'll be looking at is a summary of superannuation insurance. Is that right? Okay. It's just a very brief overview.\n\nSo you've got your superannuation with Hub twenty four, who's the platform, and the balance is sitting at $181,325. And your income protection is with Cal for $4,630 per month is your swim insured. Your waiting period is sixty days, and your benefit period is five years. And that premium is funded from your superannuation funds. So that's just an overview of what we're gonna go through, the cover page as such.\n\nThe next document is the performance report with Hub for the last twelve months of your portfolio. The first one you'll see at the top is the Benelon concentrated Australian equity fund. This is tagged in my notes to talk to you about. You'll save you'll see that it's performed negatively in the last twelve months. The the reason for this is not that the Australian share market, although recently has had a bit of a downturn, but has performed badly.\n\nIt's more Benelong's investment mandate. So different funds, investment managers will have different mandates they follow. Benelong's is that they their aim is to undervalued companies in the Australian share market for growth opportunities. And in the last twelve months, it's been the banks and the resources that have performed in the Australian share market, which has led to the Bennelong Australian Equities Fund's mandate being unsuccessful as such. So one of the things that we're looking at with all of our clients at the moment is alternatives to the Bennelong Fund.\n\nAs long as comp clients are comfortable with it, my goal is to find an alternative if it's appropriate and then make a recommendation to you to replace if you're comfortable with that. Yep. The rest of your portfolio in regards to performance and whether when our investment committee reviews them for appropriateness and that we wish to continue maintaining them. They're all performing really well. We're happy with them.\n\nYou've got some great exposure to some niche markets like cybersecurity, battery tech, and lithium, which have all performed very well in the last twelve months. You've got some gold and silver exposure along with some different economy exposure as well, so through Asia and Europe and the world and US. Sorry. So you've got some great diversification in there that really does help when different sectors are not performing fantastically. You've got the others in there to bump it up and try and lift the portfolio.\n\nIf you go so overall, the performance for the last twelve months was only 3.29% of the whole entire portfolio, and that's been impacted by the Bennelong Fund, unfortunately. Next document is the six month performance. We've included these for all of our clients within that hold the Bennelong the Bennelong investment. You'll see that the six month performance, they're starting to bounce back. It's now a positive, but we're still not comfortable maintaining that our client's exposure to that fund given the systemic underperformance that they had in the previous twelve months.\n\nSo even though it is bouncing back, we're just not comfortable with it, and we're still wishing to look at alternatives. But where it the portfolio is definitely starting to recover. So it's bouncing back up with an annualized return forecasted at about 8% 8.01%. So it is bouncing back, but we still wanna look at replacing Van Alarm if you're comfortable with that. Yep.\n\nOkay. Okay. Any any questions about any of that before I go further? Okay. No.\n\nUnfortunately yeah. It's one of the benefits of having a actively managed account is we we've got a we have a responsibility to make sure that we engage with our clients and perform reviews. And that's why these reviews are so beneficial to make sure that we're able to have these chats and and make the changes when they're needed. So it's very beneficial in that respect. The next the next document is the Vanguard index chart.\n\nThis is just a visual aid that I like to just talk through with clients and explain in relation to also the client's risk profile, which yours is a growth investor. So the top four shares being The US shares, Australian international, and Australian listed property. They're your gross assets with the bottom two being Australian bonds and cash, being your defensive assets. So you can see those top four experience significant volatility, and that's where your growth the growth part of your portfolio sits with the bottom two providing income and growth minimal growth over the long term. Your being a growth investor, you're invested 80 approximately 80% of your superannuation funds are invested across the top four listed above with the remaining 20% across the defensive assets listed below.\n\nSo my job is to have a conversation with you to make sure that you're comfortable with that, you understand it. You're 51. So if you're looking at retirement at the age of 65, in a growth investor portfolio, we say that there's a minimum of six years investment time frame, and that's solely to withstand market volatility. So if there is a bad year, you have time to recover. Because in a growth portfolio, we do statistically estimate that one in every five years is a negative return.\n\nDoes that make sense? Yeah. Now are you comfortable maintaining a growth risk profile as you have, or did you wanna look at adjusting it and reducing any of your growth exposure or changing it at all? Yep. Okay.\n\nThe next document is your what would I recommend? I would need to ask a few questions about your risk profile. But based on your gross risk profile, your time frame to retirement, which is fourteen years, I would I would be confident for you to maintain a gross risk profile if you wanted to. If I thought that you should take a higher level of risk, I'd need to complete a risk profile with you just to see where you sit and whether I'd be comfortable making that recommendation. But given your your time frame that you've already had exposure to gross assets and the gross risk profile and even your response to the Ben along Australian Equities Fund being down and underperforming, you didn't have a significant amount of anxiety surrounding that or concern in your voice.\n\nIt was just more what I interpret as not ideal if it was exactly your words. So I think you understand how markets move, but it's really for me, it's important that the clients my clients can pass the sleep at night test. So if you're comfortable, I would recommend maintaining your gross risk profile. If if you wanted to take on more growth and obtain my recommendation with that, I'd need to complete a risk profile with you. Yeah?\n\nOkay. That's fine. The next document is your TEL certificate of insurance. So that's just showing you that your income protection is valid and enforced. The following document is our financial services guide.\n\nThis document tells you who we are, who we're licensed through, the type of advice we provide, and how we provide it along with our fees. And if you're unhappy with any services, how you can go about making a complaint. There's only two more documents to go. The next document is the ongoing service agreement. So that just outlines what our fees are.\n\nSo if you wish to continue as a client of Oakview, It is calculated by a percentage, which is 1.65%, and then set at a fixed dollar fee. So for yourself, that is $3,141.46 per annum, which equates to approximately $261.80 per month, which would be funded from your super fund. We've changed the fee structure recently. It used to just be set at a 1.65% fee, basically. So every month, the fee would vary depending on the market balance the sorry, the balance of the super fund.\n\nSo what that meant was in times when your portfolio was doing great, we would get paid more, which isn't ideal, and it's not transparent for clients. So what we've done is we've fixed that fee for a twelve month period so that the clients have full transparency about over what fee they will be charged. So if you're happy to continue, that's one form that you will need to sign electronically for me. And then the the next form is your authority for a tax for the us to hold your tax file number. So we do presently hold your tax file number on file, and that was from when we set up your superannuation fund to ensure that you didn't get taxed as a non Australian resident.\n\nSo this is just the your authority stating that you understand that we do hold it on file for you and that you're comfortable with that. So those last two forms are the ones that need signing should you wish to continue with us. Okay. Do you have any big questions for me? No.\n\nI've got here just your beneficiaries for your superannuation being Elizabeth and Theo. How old are they? Are they? Yep. Okay.\n\nThat's alright. I just wanted to flag that the that as they're not financial dependence under the superannuation law, they will pay upon your passing, which we'll refer to as yesterday because we know that that did not happen. Any funds payable to them will be payable at 17%. The government will take 17% tax. If if you have a will and you establish a will, it's still gonna be taxed, but it will be taxed at 15% instead.\n\nSo less the 2% Medicare. So if you are interested in establishing a will and a power of attorney, which I do strongly recommend, I can send you a brochure of a professional partner of ours that does do it for a very reasonable cost, and they can do it virtually over the phone with you and through Teams meetings or whatever method you need. Because a a power of attorney is a very powerful document that allows someone to make decisions on your behalf if you are unable to. So whereas the will will decide where your estate goes in line with your wishes. So they're they're very important documents, and I would recommend definitely at least investigating them to have them established.\n\nYeah? Okay. That's right. Would you like me to send you the brochure so you have it to have a read? Okay.\n\nDo you have any other questions for me, Michael? No? Okay. So would it be okay if I reach out to you in about a week and a half, two weeks to set up another time just to run through that those portfolio changes that I talked to you about? Yeah.\n\nJust to change that, Bennelong fund if I can find a better alternative for you. Fantastic. Alright. Thank you so much for your time, Michael. I really appreciate it.\n\nHave a lovely evening. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Jenna from Oakview Financial.","start":7.8399997,"end":9.62,"sentiment":"neutral","sentiment_score":0.0723869800567627},{"text":"Hi, Michael.","start":23.015,"end":23.735,"sentiment":"neutral","sentiment_score":0.1267072632908821},{"text":"It's Jenny here from Oakview Financial.","start":23.735,"end":26.075,"sentiment":"neutral","sentiment_score":0.17544204741716385},{"text":"How are you today?","start":26.135,"end":27.115,"sentiment":"neutral","sentiment_score":0.1868824027478695},{"text":"I'm good.","start":28.535,"end":29.255001,"sentiment":"positive","sentiment_score":0.5226944088935852}],"sentiment":"neutral","sentiment_score":0.18825184222724703,"num_words":18,"start":7.8399997,"end":29.255001},{"sentences":[{"text":"Thank you.","start":29.255001,"end":30.15,"sentiment":"positive","sentiment_score":0.5508806854486465},{"text":"Just before I go any further, though, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":30.15,"end":35.85,"sentiment":"neutral","sentiment_score":0.014883461873978376},{"text":"Is that okay?","start":35.91,"end":36.81,"sentiment":"neutral","sentiment_score":0.04412188877662023},{"text":"Thank you.","start":39.03,"end":39.85,"sentiment":"neutral","sentiment_score":0.1853308081626892},{"text":"Michael, can I please ask you to confirm your full name, date of birth, and address?","start":40.39,"end":51.605003,"sentiment":"neutral","sentiment_score":0.049580388236790895}],"sentiment":"neutral","sentiment_score":0.05862293511312058,"num_words":47,"start":29.255001,"end":51.605003},{"sentences":[{"text":"Thank you very much.","start":53.545002,"end":54.845,"sentiment":"positive","sentiment_score":0.33748680353164673},{"text":"I'm phoning today to complete your annual review.","start":55.91,"end":58.55,"sentiment":"neutral","sentiment_score":0.0808866829611361},{"text":"Do you have time for that?","start":58.55,"end":60.010002,"sentiment":"neutral","sentiment_score":0.0312321229527394},{"text":"Oh, and I'm so sorry for rescheduling on Thursday.","start":62.07,"end":65.21,"sentiment":"neutral","sentiment_score":-0.10597663124402364},{"text":"I had had a last minute medical appointment that I need to make.","start":66.55,"end":70.845,"sentiment":"neutral","sentiment_score":-0.02435096288816287}],"sentiment":"neutral","sentiment_score":0.02285203041974455,"num_words":40,"start":53.545002,"end":70.845},{"sentences":[{"text":"So thank you.","start":72.925,"end":73.905,"sentiment":"neutral","sentiment_score":0.24969873329003653},{"text":"Oh, okay.","start":75.565,"end":76.305,"sentiment":"neutral","sentiment_score":0.019850575365126133},{"text":"So, Michael, has much changed for you or anything significant since you last had a review with Oak Oakview?","start":76.765,"end":86.27,"sentiment":"neutral","sentiment_score":-0.0909114783923877},{"text":"No?","start":86.27,"end":86.77,"sentiment":"neutral","sentiment_score":-0.08783729374408722},{"text":"No?","start":87.71,"end":88.19,"sentiment":"neutral","sentiment_score":-0.0829802006483078}],"sentiment":"neutral","sentiment_score":-0.042666855124899976,"num_words":26,"start":72.925,"end":88.19},{"sentences":[{"text":"Okay.","start":88.19,"end":88.69,"sentiment":"neutral","sentiment_score":-0.033021822571754456},{"text":"What I would like to do, if that's okay, is we go I'm gonna run through the information that we hold on file for you to make sure it's current and relevant.","start":89.15,"end":98.53,"sentiment":"neutral","sentiment_score":0.013894617826736066},{"text":"And then I'm going to send you an email with a review pack in it that will have a some documentation we'll walk through if you have access to your emails.","start":99.854996,"end":109.795,"sentiment":"neutral","sentiment_score":0.031640763124150616},{"text":"Okay.","start":111.935,"end":112.435,"sentiment":"neutral","sentiment_score":0.18047592043876648},{"text":"Fantastic.","start":112.735,"end":113.235,"sentiment":"neutral","sentiment_score":0.2703916132450104}],"sentiment":"neutral","sentiment_score":0.027929350582064326,"num_words":66,"start":88.19,"end":113.235},{"sentences":[{"text":"Well, just to start with, I'll just run through.","start":113.770004,"end":117.31,"sentiment":"neutral","sentiment_score":0.10522790418730842},{"text":"Can I confirm if your marital status so you we've got you listed as single?","start":117.45,"end":122.49,"sentiment":"neutral","sentiment_score":0.052095414822300276},{"text":"Is that correct?","start":122.49,"end":123.39,"sentiment":"neutral","sentiment_score":0.037889458859960236},{"text":"I nothing?","start":125.13,"end":126.43,"sentiment":"neutral","sentiment_score":-0.07657015323638916},{"text":"Okay.","start":126.57,"end":126.855,"sentiment":"neutral","sentiment_score":-0.016745373606681824}],"sentiment":"neutral","sentiment_score":0.055742168550690016,"num_words":30,"start":113.770004,"end":126.855},{"sentences":[{"text":"Okay.","start":127.495,"end":127.735,"sentiment":"neutral","sentiment_score":0.003992671146988869},{"text":"That's alright.","start":127.735,"end":128.55501,"sentiment":"neutral","sentiment_score":0.024609864689409733},{"text":"And still working as an electrician?","start":130.05501,"end":131.755,"sentiment":"neutral","sentiment_score":-0.0003478241463502248},{"text":"Yep.","start":133.895,"end":134.375,"sentiment":"neutral","sentiment_score":0.006559703033417463},{"text":"Who's your employer?","start":134.375,"end":135.435,"sentiment":"neutral","sentiment_score":-0.0038546879465381303}],"sentiment":"neutral","sentiment_score":0.0035477765262700045,"num_words":13,"start":127.495,"end":135.435},{"sentences":[{"text":"Energex Energy.","start":138.77501,"end":141.91501,"sentiment":"neutral","sentiment_score":0.0161797646433115},{"text":"Yep.","start":142.44,"end":142.94,"sentiment":"neutral","sentiment_score":0.024123644456267357},{"text":"Okay.","start":145.4,"end":145.9,"sentiment":"neutral","sentiment_score":0.03277299180626869},{"text":"And I've got you noted as full time.","start":147.72,"end":150.2,"sentiment":"neutral","sentiment_score":0.03537915414199233},{"text":"Is that thirty eight hours a week?","start":150.2,"end":151.98,"sentiment":"neutral","sentiment_score":0.005108411590169583}],"sentiment":"neutral","sentiment_score":0.021476225253488673,"num_words":19,"start":138.77501,"end":151.98},{"sentences":[{"text":"Okay.","start":153.95999,"end":154.45999,"sentiment":"neutral","sentiment_score":0.027441777288913727},{"text":"I have your income down as 60.","start":154.76,"end":157.005,"sentiment":"neutral","sentiment_score":0.03355310883905206},{"text":"Is that correct?","start":157.005,"end":157.985,"sentiment":"neutral","sentiment_score":0.024538893873492878},{"text":"Yeah?","start":161.24501,"end":161.74501,"sentiment":"neutral","sentiment_score":0.00470687635242939},{"text":"Okay.","start":167.16501,"end":167.66501,"sentiment":"neutral","sentiment_score":0.019937530159950256}],"sentiment":"neutral","sentiment_score":0.027736509791933574,"num_words":13,"start":153.95999,"end":167.66501},{"sentences":[{"text":"Does that include super or plus super?","start":167.80501,"end":179.75,"sentiment":"neutral","sentiment_score":0.026973594379212176},{"text":"Okay.","start":180.77,"end":181.27,"sentiment":"neutral","sentiment_score":0.03626999258995056},{"text":"You can usually tell by checking your payslip if you're if you're ever curious.","start":181.41,"end":186.59499,"sentiment":"neutral","sentiment_score":0.028321463149040937},{"text":"I'll leave it at 60 plus super.","start":187.375,"end":189.855,"sentiment":"neutral","sentiment_score":0.07283262589148112},{"text":"That makes a little bit more sense for an electrician.","start":189.855,"end":192.435,"sentiment":"neutral","sentiment_score":0.09326541014015674}],"sentiment":"neutral","sentiment_score":0.05292482358904985,"num_words":39,"start":167.80501,"end":192.435},{"sentences":[{"text":"I have here that your expenditure is $1,000 a week.","start":195.08,"end":199.56,"sentiment":"neutral","sentiment_score":0.039277312345802784},{"text":"Would that be correct?","start":199.56,"end":200.62001,"sentiment":"neutral","sentiment_score":0.03649513004347682},{"text":"And your savings at about a $100 a week?","start":205.40001,"end":212.27834,"sentiment":"neutral","sentiment_score":0.0049629805402623284},{"text":"Yeah.","start":212.685,"end":213.185,"sentiment":"neutral","sentiment_score":0.011693747714161873},{"text":"Yeah?","start":213.325,"end":213.72499,"sentiment":"neutral","sentiment_score":0.013076409697532654}],"sentiment":"neutral","sentiment_score":0.024327625036239624,"num_words":25,"start":195.08,"end":213.72499},{"sentences":[{"text":"Okay.","start":213.72499,"end":214.22499,"sentiment":"neutral","sentiment_score":0.011669745668768884},{"text":"Do you make any additional contributions for super?","start":216.045,"end":218.78499,"sentiment":"neutral","sentiment_score":-0.0009585480438545344},{"text":"No.","start":220.605,"end":221.105,"sentiment":"neutral","sentiment_score":-0.13119500875473022},{"text":"Not yet.","start":222.525,"end":223.34999,"sentiment":"neutral","sentiment_score":-0.1621209755539894},{"text":"Do you plan on what are you wanting to do so?","start":223.34999,"end":226.33,"sentiment":"neutral","sentiment_score":-0.09050355106592178}],"sentiment":"neutral","sentiment_score":-0.06291194175086591,"num_words":23,"start":213.72499,"end":226.33},{"sentences":[{"text":"Oh, okay.","start":232.54999,"end":233.19,"sentiment":"neutral","sentiment_score":0.04245666787028313},{"text":"No worries at all.","start":233.19,"end":233.98999,"sentiment":"neutral","sentiment_score":0.06138328183442354},{"text":"Well, we can revisit that shortly.","start":233.98999,"end":235.76999,"sentiment":"neutral","sentiment_score":0.09758017708857854},{"text":"You we have your property valued at 600,000 with no debt.","start":238.045,"end":242.045,"sentiment":"neutral","sentiment_score":0.10798290964554656},{"text":"Is that still correct?","start":242.045,"end":243.265,"sentiment":"neutral","sentiment_score":0.0796815138310194}],"sentiment":"neutral","sentiment_score":0.08972094766795635,"num_words":27,"start":232.54999,"end":243.265},{"sentences":[{"text":"And you are you at 60,000 with no debt?","start":245.405,"end":249.185,"sentiment":"neutral","sentiment_score":0.0392282260581851},{"text":"Yeah.","start":250.765,"end":251.005,"sentiment":"neutral","sentiment_score":0.04515339806675911},{"text":"And you mentioned you have some savings.","start":251.005,"end":253.005,"sentiment":"neutral","sentiment_score":0.05035768396088055},{"text":"Do you do you use a bank account or another investment for that?","start":253.005,"end":257.53,"sentiment":"neutral","sentiment_score":0.025039501631489165},{"text":"Yes.","start":260.31,"end":260.79,"sentiment":"neutral","sentiment_score":0.020632049068808556}],"sentiment":"neutral","sentiment_score":0.03538247711595989,"num_words":31,"start":245.405,"end":260.79},{"sentences":[{"text":"Do you know roughly how much you have in there?","start":260.79,"end":262.97,"sentiment":"neutral","sentiment_score":0.014148620050400495},{"text":"80 Beautiful.","start":268.55,"end":270.775,"sentiment":"neutral","sentiment_score":0.2597242593765259},{"text":"Good favor.","start":271.155,"end":272.055,"sentiment":"positive","sentiment_score":0.3993352949619293},{"text":"Alright.","start":275.235,"end":275.735,"sentiment":"neutral","sentiment_score":0.12453889846801758},{"text":"Nice.","start":278.035,"end":278.535,"sentiment":"neutral","sentiment_score":0.19697558879852295}],"sentiment":"neutral","sentiment_score":0.11131998727796599,"num_words":16,"start":260.79,"end":278.535},{"sentences":[{"text":"Yeah.","start":280.835,"end":281.235,"sentiment":"neutral","sentiment_score":0.006233314052224159},{"text":"I'm I've got two children and a husband, and I definitely don't have that.","start":281.235,"end":284.675,"sentiment":"neutral","sentiment_score":-0.09830163844994136},{"text":"That's for sure.","start":284.675,"end":289.05,"sentiment":"neutral","sentiment_score":-0.020934124166766804},{"text":"Just a couple of financial questions.","start":289.05,"end":290.81,"sentiment":"neutral","sentiment_score":-0.03322846287240585},{"text":"Have you ever been declared bankrupt or been a part of a debt agreement?","start":290.81,"end":294.83,"sentiment":"neutral","sentiment_score":-0.05566861254296133}],"sentiment":"neutral","sentiment_score":-0.06346114077850391,"num_words":38,"start":280.835,"end":294.83},{"sentences":[{"text":"No.","start":296.81,"end":297.13,"sentiment":"neutral","sentiment_score":-0.03780631348490715},{"text":"That's fantastic.","start":297.13,"end":297.79,"sentiment":"positive","sentiment_score":0.3384020924568176},{"text":"I have you here as a non smoker.","start":299.29,"end":301.345,"sentiment":"neutral","sentiment_score":0.07589732483029366},{"text":"Is that still correct?","start":301.345,"end":302.565,"sentiment":"neutral","sentiment_score":0.01542218029499054},{"text":"You are?","start":304.945,"end":305.605,"sentiment":"neutral","sentiment_score":-0.09377999976277351}],"sentiment":"neutral","sentiment_score":0.0659003053956172,"num_words":17,"start":296.81,"end":305.605},{"sentences":[{"text":"Oh, okay.","start":305.745,"end":306.545,"sentiment":"neutral","sentiment_score":-0.003993041813373566},{"text":"That's okay.","start":306.545,"end":307.285,"sentiment":"neutral","sentiment_score":0.004866252653300762},{"text":"Roughly, how many day how many days?","start":310.065,"end":312.385,"sentiment":"neutral","sentiment_score":-0.019477444168712412},{"text":"How many per day?","start":312.385,"end":317.06998,"sentiment":"neutral","sentiment_score":-0.006570473778992891},{"text":"Yep.","start":317.06998,"end":317.56998,"sentiment":"neutral","sentiment_score":0.003458105493336916}],"sentiment":"neutral","sentiment_score":-0.009838717320235446,"num_words":16,"start":305.745,"end":317.56998},{"sentences":[{"text":"Alright.","start":318.91,"end":319.41,"sentiment":"neutral","sentiment_score":-0.03012722358107567},{"text":"And do you have any significant health injuries or take any injuries or issues or take any medication?","start":319.78998,"end":325.56998,"sentiment":"neutral","sentiment_score":-0.09703074126607841},{"text":"Yes.","start":336.83502,"end":337.33502,"sentiment":"neutral","sentiment_score":-0.008580513298511505},{"text":"Okay.","start":338.16,"end":338.66,"sentiment":"neutral","sentiment_score":0.02658078819513321},{"text":"And do you have a will or power of attorney in place?","start":339.75998,"end":343.46,"sentiment":"neutral","sentiment_score":0.009385636852433285}],"sentiment":"neutral","sentiment_score":-0.04988038331044443,"num_words":33,"start":318.91,"end":343.46},{"sentences":[{"text":"No.","start":345.68,"end":346.18,"sentiment":"neutral","sentiment_score":-0.09006048738956451},{"text":"Okay.","start":346.32,"end":346.82,"sentiment":"neutral","sentiment_score":-0.0014899838715791702},{"text":"Alright.","start":347.84,"end":348.34,"sentiment":"neutral","sentiment_score":0.10484008491039276},{"text":"So with your goals and objectives, I have four listed here.","start":348.8,"end":353.715,"sentiment":"neutral","sentiment_score":0.2716608968648044},{"text":"I just wanted to run over them with you to see if they are still something you're working towards.","start":353.715,"end":357.89502,"sentiment":"neutral","sentiment_score":0.22171476561772197}],"sentiment":"neutral","sentiment_score":0.2186103038151156,"num_words":33,"start":345.68,"end":357.89502},{"sentences":[{"text":"One was depending on what happens with COVID and the borders are are reopening, you'd like to travel around Europe.","start":360.995,"end":367.715,"sentiment":"neutral","sentiment_score":0.05748966690152883},{"text":"Is that still the case, or have you achieved that?","start":367.715,"end":370.56,"sentiment":"neutral","sentiment_score":0.07404879070818424},{"text":"No?","start":377.42,"end":377.92,"sentiment":"neutral","sentiment_score":-0.03105926886200905},{"text":"Is it something yeah.","start":378.3,"end":380.815,"sentiment":"neutral","sentiment_score":0.14616469852626324},{"text":"Yeah.","start":380.815,"end":380.89502,"sentiment":"neutral","sentiment_score":0.035125985741615295}],"sentiment":"neutral","sentiment_score":0.0688612987804744,"num_words":36,"start":360.995,"end":380.89502},{"sentences":[{"text":"You wanna travel?","start":380.89502,"end":382.11502,"sentiment":"neutral","sentiment_score":0.042998520036538444},{"text":"Do you have a time frame?","start":384.015,"end":387.715,"sentiment":"neutral","sentiment_score":0.025089482000718515},{"text":"Yep.","start":391.855,"end":392.355,"sentiment":"neutral","sentiment_score":-0.006105192005634308},{"text":"Okay.","start":392.415,"end":392.915,"sentiment":"neutral","sentiment_score":-0.000187617726624012},{"text":"Is it during retirement or before retirement?","start":392.975,"end":395.71,"sentiment":"neutral","sentiment_score":-0.0034307456974472317}],"sentiment":"neutral","sentiment_score":0.013845801249974303,"num_words":18,"start":380.89502,"end":395.71},{"sentences":[{"text":"The next five years?","start":396.41,"end":397.71,"sentiment":"neutral","sentiment_score":-0.00427609495818615},{"text":"Yep.","start":399.85,"end":400.35,"sentiment":"neutral","sentiment_score":0.02030337229371071},{"text":"Yep.","start":400.41,"end":400.91,"sentiment":"neutral","sentiment_score":0.024852922186255455},{"text":"Any any place special?","start":403.37,"end":404.83,"sentiment":"neutral","sentiment_score":0.03844953142106533},{"text":"Beautiful.","start":409.005,"end":409.505,"sentiment":"positive","sentiment_score":0.4637436866760254}],"sentiment":"neutral","sentiment_score":0.05869033881886439,"num_words":11,"start":396.41,"end":409.505},{"sentences":[{"text":"Okay.","start":412.52502,"end":413.02502,"sentiment":"positive","sentiment_score":0.36467501521110535},{"text":"The next one was you'd is in regards to your lifestyle and I think potentially your retirement.","start":417.40503,"end":421.93835,"sentiment":"neutral","sentiment_score":0.2534238029928768},{"text":"I'll just get some clarity here.","start":421.93835,"end":423.105,"sentiment":"neutral","sentiment_score":0.2757215549548467},{"text":"Live your best life and travel whenever you want.","start":434.09998,"end":436.755,"sentiment":"positive","sentiment_score":0.4469521741072337},{"text":"Exactly.","start":441.23502,"end":441.73502,"sentiment":"neutral","sentiment_score":-0.02698361687362194}],"sentiment":"neutral","sentiment_score":0.3036116160561933,"num_words":34,"start":412.52502,"end":441.73502},{"sentences":[{"text":"Now and in retirement?","start":444.195,"end":445.575,"sentiment":"neutral","sentiment_score":-0.02365057496353984},{"text":"Is Would that be now and in retirement?","start":448.595,"end":450.83002,"sentiment":"neutral","sentiment_score":-0.04702587425708771},{"text":"Yeah.","start":453.61002,"end":454.11002,"sentiment":"neutral","sentiment_score":0.043785348534584045},{"text":"Yep.","start":454.17,"end":454.67,"sentiment":"neutral","sentiment_score":0.06300030648708344},{"text":"Okay.","start":454.81003,"end":455.31003,"sentiment":"neutral","sentiment_score":0.14888975024223328}],"sentiment":"neutral","sentiment_score":-0.014342259243130684,"num_words":15,"start":444.195,"end":455.31003},{"sentences":[{"text":"Beautiful.","start":456.57,"end":457.07,"sentiment":"positive","sentiment_score":0.39651036262512207},{"text":"With your superannuation, your goal was that super is your nest egg, and you're relying on this as one of your biggest assets when you retire for income, would that still be correct?","start":458.33002,"end":468.995,"sentiment":"neutral","sentiment_score":0.1851953435124773},{"text":"And when you think of your super, what are your goals with it?","start":470.975,"end":475.295,"sentiment":"neutral","sentiment_score":0.07542984961317135},{"text":"Is it is it growth?","start":475.295,"end":476.83502,"sentiment":"neutral","sentiment_score":0.07443446815013885},{"text":"Is it well, obviously, growth.","start":476.89502,"end":483.58,"sentiment":"neutral","sentiment_score":0.11527344882488251}],"sentiment":"neutral","sentiment_score":0.14801902330496855,"num_words":57,"start":456.57,"end":483.58},{"sentences":[{"text":"But the bigger picture is is, I guess, what I'm trying to ask is at what age do you see yourself retiring and being debt free in this in the position you are, which is fantastic, what kind of income do you think you would need?","start":483.58,"end":497.915,"sentiment":"neutral","sentiment_score":0.075780237255537},{"text":"Okay.","start":504.455,"end":504.935,"sentiment":"neutral","sentiment_score":-0.011501794680953026},{"text":"And at what age?","start":504.935,"end":506.155,"sentiment":"neutral","sentiment_score":-0.00960784312337637},{"text":"Yep.","start":510.75,"end":511.25,"sentiment":"neutral","sentiment_score":0.005900871474295855},{"text":"Five.","start":511.63,"end":512.13,"sentiment":"neutral","sentiment_score":0.06739918887615204}],"sentiment":"neutral","sentiment_score":0.06621241145152247,"num_words":53,"start":483.58,"end":512.13},{"sentences":[{"text":"Okay.","start":513.31,"end":513.81,"sentiment":"neutral","sentiment_score":0.1101713627576828},{"text":"Alright.","start":514.67,"end":515.15,"sentiment":"neutral","sentiment_score":0.18513774871826172},{"text":"I'm going yeah.","start":515.15,"end":517.71,"sentiment":"neutral","sentiment_score":0.19605006774266562},{"text":"Okay.","start":517.71,"end":518.21,"sentiment":"neutral","sentiment_score":0.2573346197605133},{"text":"Well, you can leave that definitely leave that with me.","start":518.35,"end":521.715,"sentiment":"positive","sentiment_score":0.4761092722415924}],"sentiment":"positive","sentiment_score":0.36886791605502367,"num_words":16,"start":513.31,"end":521.715},{"sentences":[{"text":"So with your house, I just wonder, will you be at retirement?","start":521.79504,"end":528.935,"sentiment":"neutral","sentiment_score":0.18294349126517773},{"text":"Would you keep your house?","start":529.47504,"end":531.335,"sentiment":"neutral","sentiment_score":0.08054689019918441},{"text":"Would you look to downsize?","start":532.11505,"end":533.575,"sentiment":"neutral","sentiment_score":0.002849076688289643},{"text":"What are your thoughts there?","start":534.515,"end":536.06,"sentiment":"neutral","sentiment_score":0.00765129029750824},{"text":"No?","start":538.36005,"end":538.84,"sentiment":"neutral","sentiment_score":-0.23187336325645447}],"sentiment":"neutral","sentiment_score":0.08638160063752107,"num_words":28,"start":521.79504,"end":538.84},{"sentences":[{"text":"Okay.","start":538.84,"end":539.34,"sentiment":"neutral","sentiment_score":-0.036375366151332855},{"text":"Yeah.","start":540.2,"end":540.7,"sentiment":"neutral","sentiment_score":0.06505636870861053},{"text":"Yep.","start":540.84,"end":541.34,"sentiment":"neutral","sentiment_score":0.14676953852176666},{"text":"Okay.","start":541.96,"end":542.46,"sentiment":"neutral","sentiment_score":0.17862924933433533},{"text":"Okay.","start":543.08,"end":543.58,"sentiment":"neutral","sentiment_score":0.18895718455314636}],"sentiment":"neutral","sentiment_score":0.10860739499330521,"num_words":5,"start":538.84,"end":543.58},{"sentences":[{"text":"And then your last goal was if you want if it if I was to pass, you would like your family to be protected against any outstanding debt you may have.","start":543.96,"end":555.565,"sentiment":"neutral","sentiment_score":0.23187787975034407},{"text":"Well, you don't have any debt that I noted.","start":555.945,"end":559.165,"sentiment":"neutral","sentiment_score":-0.017874747514724728},{"text":"Anything is there in that would be in relation to your insurance your insurances, which would be life and TPD, which you don't have any.","start":561.385,"end":569.39,"sentiment":"neutral","sentiment_score":0.002957881111651659},{"text":"You just have income protection.","start":569.77,"end":571.23004,"sentiment":"neutral","sentiment_score":0.1166543185710907},{"text":"Is that still relevant, that particular goal?","start":571.61005,"end":574.59,"sentiment":"neutral","sentiment_score":0.11058261671236583}],"sentiment":"neutral","sentiment_score":0.10985244782157726,"num_words":77,"start":543.96,"end":574.59},{"sentences":[{"text":"Yep.","start":582.26495,"end":582.76495,"sentiment":"neutral","sentiment_score":-0.08187498152256012},{"text":"So it's yep.","start":584.345,"end":585.625,"sentiment":"neutral","sentiment_score":-0.14570014427105585},{"text":"So would it be more just ensuring that your income's protected if you're unable to work?","start":585.625,"end":589.82,"sentiment":"neutral","sentiment_score":-0.08943492849357426},{"text":"Yep.","start":590.60004,"end":591.0,"sentiment":"neutral","sentiment_score":0.06819896399974823},{"text":"Yeah.","start":591.0,"end":591.5,"sentiment":"neutral","sentiment_score":0.1113867536187172}],"sentiment":"neutral","sentiment_score":-0.0804703887552023,"num_words":22,"start":582.26495,"end":591.5},{"sentences":[{"text":"Okay.","start":592.76,"end":593.26,"sentiment":"neutral","sentiment_score":0.151545912027359},{"text":"I'll just update that one.","start":594.76,"end":596.14,"sentiment":"neutral","sentiment_score":0.1720136284828186},{"text":"Any other goals that you can think of that you're working towards, whether they be financial or lifestyle?","start":602.84,"end":610.015,"sentiment":"neutral","sentiment_score":0.1443584490981367},{"text":"Yep.","start":615.515,"end":615.99506,"sentiment":"neutral","sentiment_score":0.014892510138452051},{"text":"Okay.","start":615.99506,"end":616.49506,"sentiment":"neutral","sentiment_score":0.05897418409585953}],"sentiment":"neutral","sentiment_score":0.14168972432470092,"num_words":26,"start":592.76,"end":616.49506},{"sentences":[{"text":"Okay.","start":618.77997,"end":619.27997,"sentiment":"neutral","sentiment_score":0.08721902966499329},{"text":"What I'm gonna do is just run a quick calculation just to make sure that we actually have your income down correctly.","start":619.42,"end":627.76,"sentiment":"neutral","sentiment_score":0.11308683929118243},{"text":"Yeah.","start":631.745,"end":631.90497,"sentiment":"neutral","sentiment_score":0.1395612210035324},{"text":"I might get you to check your income.","start":631.90497,"end":634.46497,"sentiment":"neutral","sentiment_score":0.12293743807822466},{"text":"You said you got a little bit of a pay rise.","start":634.46497,"end":637.185,"sentiment":"neutral","sentiment_score":0.07056838578798554}],"sentiment":"neutral","sentiment_score":0.10405680147367855,"num_words":43,"start":618.77997,"end":637.185},{"sentences":[{"text":"When you have some time, you don't have to do it now.","start":637.185,"end":639.58496,"sentiment":"neutral","sentiment_score":0.09949049601952235},{"text":"You can confirm to me later if you like.","start":639.58496,"end":642.005,"sentiment":"neutral","sentiment_score":0.1605909996562534},{"text":"Just based on 60, after tax, that's about $50,000 a year.","start":642.545,"end":648.43,"sentiment":"neutral","sentiment_score":0.05564679611812939},{"text":"So with your expenditure at a thousand dollar a week and your savings at about a $100 a week, there's a bit of a not due to 60.","start":650.01,"end":661.79,"sentiment":"neutral","sentiment_score":-0.05259170103818178},{"text":"60?","start":664.995,"end":665.475,"sentiment":"neutral","sentiment_score":-0.03205399587750435}],"sentiment":"neutral","sentiment_score":0.02863439477857996,"num_words":61,"start":637.185,"end":665.475},{"sentences":[{"text":"Sorry.","start":665.475,"end":665.875,"sentiment":"neutral","sentiment_score":-0.1500383019447327},{"text":"What yeah.","start":665.875,"end":669.735,"sentiment":"neutral","sentiment_score":-0.11334212310612202},{"text":"So your wage must be more than 60.","start":669.795,"end":671.955,"sentiment":"neutral","sentiment_score":-0.055899618891999125},{"text":"So you don't tax on 60?","start":671.955,"end":673.815,"sentiment":"neutral","sentiment_score":-0.04930904942254225},{"text":"You're not sure?","start":680.14,"end":681.12,"sentiment":"neutral","sentiment_score":-0.17577561239401499}],"sentiment":"neutral","sentiment_score":-0.08235503165051342,"num_words":20,"start":665.475,"end":681.12},{"sentences":[{"text":"That's okay.","start":681.9,"end":682.8,"sentiment":"neutral","sentiment_score":-0.07332194689661264},{"text":"You're absolutely Yeah.","start":684.22003,"end":690.86,"sentiment":"neutral","sentiment_score":0.27912021179993945},{"text":"Okay.","start":690.86,"end":691.36,"sentiment":"positive","sentiment_score":0.41084641218185425},{"text":"Fantastic.","start":691.42004,"end":691.92004,"sentiment":"positive","sentiment_score":0.6779996156692505},{"text":"And how much rent do you get from that?","start":692.10504,"end":694.28503,"sentiment":"positive","sentiment_score":0.3349744412634108}],"sentiment":"neutral","sentiment_score":0.2996457963017747,"num_words":16,"start":681.9,"end":694.28503},{"sentences":[{"text":"Okay.","start":699.065,"end":699.565,"sentiment":"neutral","sentiment_score":0.0740135908126831},{"text":"So that 1,000 expenses is your rent that you pay for where you live.","start":700.025,"end":707.31,"sentiment":"neutral","sentiment_score":0.05177128767328603},{"text":"Is that right?","start":709.76996,"end":710.67,"sentiment":"neutral","sentiment_score":-0.054670262771348156},{"text":"Oh, so you live in the home as well.","start":712.08997,"end":713.87,"sentiment":"neutral","sentiment_score":0.032321046830879316},{"text":"Oh, okay.","start":715.85,"end":716.57,"sentiment":"neutral","sentiment_score":0.06184326112270355}],"sentiment":"neutral","sentiment_score":0.036185405987860825,"num_words":29,"start":699.065,"end":716.57},{"sentences":[{"text":"So you rent out part of the house.","start":716.57,"end":718.335,"sentiment":"neutral","sentiment_score":0.06598101509734988},{"text":"Yeah.","start":719.935,"end":720.335,"sentiment":"neutral","sentiment_score":0.14569517970085144},{"text":"Okay.","start":720.335,"end":720.73505,"sentiment":"neutral","sentiment_score":0.29849955439567566},{"text":"Fantastic.","start":720.73505,"end":721.23505,"sentiment":"positive","sentiment_score":0.6135731935501099},{"text":"That makes more sense.","start":721.775,"end":722.995,"sentiment":"positive","sentiment_score":0.45934514701366425}],"sentiment":"neutral","sentiment_score":0.22819977576533954,"num_words":15,"start":716.57,"end":722.995},{"sentences":[{"text":"So I'm just trying to figure out the figures.","start":723.135,"end":725.935,"sentiment":"neutral","sentiment_score":0.18573117752869925},{"text":"So do you know how much you get in your bank account each week for your pay?","start":725.935,"end":729.53503,"sentiment":"neutral","sentiment_score":0.08966584306429415},{"text":"Because I can work it out backwards from there if you like.","start":729.53503,"end":736.37,"sentiment":"neutral","sentiment_score":0.0695698323349158},{"text":"Yep.","start":737.45,"end":737.85004,"sentiment":"neutral","sentiment_score":0.10280366986989976},{"text":"Okay.","start":737.85004,"end":738.33,"sentiment":"neutral","sentiment_score":0.13910076022148132}],"sentiment":"neutral","sentiment_score":0.10681605869904161,"num_words":40,"start":723.135,"end":738.33},{"sentences":[{"text":"I can work it out backwards, so don't don't worry about that.","start":738.33,"end":740.81,"sentiment":"neutral","sentiment_score":0.14106780104339123},{"text":"That's all fine there.","start":740.81,"end":742.19,"sentiment":"neutral","sentiment_score":0.22565339878201485},{"text":"Your wage.","start":744.65,"end":745.365,"sentiment":"neutral","sentiment_score":0.06164415180683136},{"text":"Yes.","start":746.165,"end":746.665,"sentiment":"neutral","sentiment_score":0.09184891730546953},{"text":"Alright.","start":747.925,"end":748.425,"sentiment":"neutral","sentiment_score":0.1419130265712738}],"sentiment":"neutral","sentiment_score":0.147623872756958,"num_words":20,"start":738.33,"end":748.425},{"sentences":[{"text":"That is I can do the backward math on that, so that is absolutely fine.","start":749.285,"end":754.425,"sentiment":"neutral","sentiment_score":0.19770287871360778},{"text":"Do you have access to your emails at the moment?","start":755.685,"end":761.63995,"sentiment":"neutral","sentiment_score":0.03022970575839281},{"text":"I'm just gonna send you an email, and it will come from myself and also reference Odoo sign.","start":765.77997,"end":775.0,"sentiment":"neutral","sentiment_score":0.09164654484225644},{"text":"Just in our review pack that I'm gonna share with you.","start":776.605,"end":779.725,"sentiment":"neutral","sentiment_score":0.09158577566797083},{"text":"So when you open that email, you'll need to click the button that says sign to open the documentation, but you're not signing anything at the moment.","start":779.725,"end":788.365,"sentiment":"neutral","sentiment_score":-0.0012846948509966886}],"sentiment":"neutral","sentiment_score":0.07271894835579543,"num_words":81,"start":749.285,"end":788.365},{"sentences":[{"text":"We're just gonna talk through the that.","start":788.365,"end":796.72003,"sentiment":"neutral","sentiment_score":-0.003944561151521546},{"text":"Yeah.","start":817.725,"end":818.045,"sentiment":"neutral","sentiment_score":0.010273303836584091},{"text":"Yes.","start":818.045,"end":818.49,"sentiment":"neutral","sentiment_score":0.033334605395793915},{"text":"I am.","start":818.49,"end":819.14996,"sentiment":"neutral","sentiment_score":0.02283455990254879},{"text":"Okay.","start":825.69,"end":826.19,"sentiment":"neutral","sentiment_score":0.051986537873744965}],"sentiment":"neutral","sentiment_score":0.009470969904214144,"num_words":12,"start":788.365,"end":826.19},{"sentences":[{"text":"Alright.","start":826.41,"end":826.91,"sentiment":"neutral","sentiment_score":0.07943692058324814},{"text":"So the first document you'll be looking at is a summary of superannuation insurance.","start":827.05,"end":830.99,"sentiment":"neutral","sentiment_score":0.08790323883295059},{"text":"Is that right?","start":831.05,"end":831.95,"sentiment":"neutral","sentiment_score":0.08533712228139241},{"text":"Okay.","start":833.69,"end":834.17,"sentiment":"neutral","sentiment_score":0.08448947966098785},{"text":"It's just a very brief overview.","start":834.17,"end":836.085,"sentiment":"neutral","sentiment_score":0.08439863364522655}],"sentiment":"neutral","sentiment_score":0.08627899650484323,"num_words":25,"start":826.41,"end":836.085},{"sentences":[{"text":"So you've got your superannuation with Hub twenty four, who's the platform, and the balance is sitting at $181,325.","start":836.145,"end":844.885,"sentiment":"neutral","sentiment_score":0.07537025232848368},{"text":"And your income protection is with Cal for $4,630 per month is your swim insured.","start":845.585,"end":854.64,"sentiment":"neutral","sentiment_score":0.06684938073158264},{"text":"Your waiting period is sixty days, and your benefit period is five years.","start":855.42,"end":860.16,"sentiment":"neutral","sentiment_score":0.058379172132565424},{"text":"And that premium is funded from your superannuation funds.","start":861.1,"end":864.915,"sentiment":"neutral","sentiment_score":0.05349679498208894},{"text":"So that's just an overview of what we're gonna go through, the cover page as such.","start":867.135,"end":871.395,"sentiment":"neutral","sentiment_score":0.006341689673718065}],"sentiment":"neutral","sentiment_score":0.052453374063285686,"num_words":72,"start":836.145,"end":871.395},{"sentences":[{"text":"The next document is the performance report with Hub for the last twelve months of your portfolio.","start":873.215,"end":878.77,"sentiment":"neutral","sentiment_score":0.001009797677397728},{"text":"The first one you'll see at the top is the Benelon concentrated Australian equity fund.","start":880.35004,"end":885.33,"sentiment":"neutral","sentiment_score":-0.04786857838431994},{"text":"This is tagged in my notes to talk to you about.","start":885.79004,"end":889.25,"sentiment":"neutral","sentiment_score":-0.080100610174916},{"text":"You'll save you'll see that it's performed negatively in the last twelve months.","start":889.63,"end":894.635,"sentiment":"neutral","sentiment_score":-0.267240339746842},{"text":"The the reason for this is not that the Australian share market, although recently has had a bit of a downturn, but has performed badly.","start":897.015,"end":905.35504,"sentiment":"neutral","sentiment_score":-0.3080704128742218}],"sentiment":"neutral","sentiment_score":-0.15750436500910622,"num_words":81,"start":873.215,"end":905.35504},{"sentences":[{"text":"It's more Benelong's investment mandate.","start":906.20996,"end":910.23,"sentiment":"neutral","sentiment_score":-0.16906952857971191},{"text":"So different funds, investment managers will have different mandates they follow.","start":910.52997,"end":916.23,"sentiment":"neutral","sentiment_score":-0.10998444394631819},{"text":"Benelong's is that they their aim is to undervalued companies in the Australian share market for growth opportunities.","start":916.76996,"end":924.085,"sentiment":"neutral","sentiment_score":-0.09448353573679924},{"text":"And in the last twelve months, it's been the banks and the resources that have performed in the Australian share market, which has led to the Bennelong Australian Equities Fund's mandate being unsuccessful as such.","start":925.825,"end":939.58997,"sentiment":"neutral","sentiment_score":-0.17048200432743346},{"text":"So one of the things that we're looking at with all of our clients at the moment is alternatives to the Bennelong Fund.","start":939.89,"end":945.49,"sentiment":"neutral","sentiment_score":-0.010620369656902292}],"sentiment":"neutral","sentiment_score":-0.1083371611210801,"num_words":92,"start":906.20996,"end":945.49},{"sentences":[{"text":"As long as comp clients are comfortable with it, my goal is to find an alternative if it's appropriate and then make a recommendation to you to replace if you're comfortable with that.","start":945.49,"end":958.505,"sentiment":"neutral","sentiment_score":0.03927323323759166},{"text":"Yep.","start":961.94,"end":962.44,"sentiment":"neutral","sentiment_score":0.09715425968170166},{"text":"The rest of your portfolio in regards to performance and whether when our investment committee reviews them for appropriateness and that we wish to continue maintaining them.","start":963.69995,"end":978.605,"sentiment":"neutral","sentiment_score":0.16705530247202627},{"text":"They're all performing really well.","start":979.145,"end":980.985,"sentiment":"positive","sentiment_score":0.5812463521957397},{"text":"We're happy with them.","start":980.985,"end":982.28503,"sentiment":"positive","sentiment_score":0.6789814680814743}],"sentiment":"neutral","sentiment_score":0.16465459652245046,"num_words":70,"start":945.49,"end":982.28503},{"sentences":[{"text":"You've got some great exposure to some niche markets like cybersecurity, battery tech, and lithium, which have all performed very well in the last twelve months.","start":982.505,"end":992.72003,"sentiment":"positive","sentiment_score":0.48672498074861675},{"text":"You've got some gold and silver exposure along with some different economy exposure as well, so through Asia and Europe and the world and US.","start":993.5,"end":1006.90497,"sentiment":"neutral","sentiment_score":0.29102917373180387},{"text":"Sorry.","start":1006.90497,"end":1007.305,"sentiment":"neutral","sentiment_score":-0.015278286300599577},{"text":"So you've got some great diversification in there that really does help when different sectors are not performing fantastically.","start":1007.305,"end":1016.445,"sentiment":"positive","sentiment_score":0.46423628690995666},{"text":"You've got the others in there to bump it up and try and lift the portfolio.","start":1016.745,"end":1022.37,"sentiment":"positive","sentiment_score":0.44771387055516243}],"sentiment":"positive","sentiment_score":0.41263461996126793,"num_words":87,"start":982.505,"end":1022.37},{"sentences":[{"text":"If you go so overall, the performance for the last twelve months was only 3.29% of the whole entire portfolio, and that's been impacted by the Bennelong Fund, unfortunately.","start":1024.51,"end":1038.5651,"sentiment":"neutral","sentiment_score":-0.2076273044763968},{"text":"Next document is the six month performance.","start":1042.0651,"end":1044.5399,"sentiment":"neutral","sentiment_score":-0.028317123651504517},{"text":"We've included these for all of our clients within that hold the Bennelong the Bennelong investment.","start":1044.5399,"end":1051.0399,"sentiment":"neutral","sentiment_score":0.051570307463407516},{"text":"You'll see that the six month performance, they're starting to bounce back.","start":1053.82,"end":1058.235,"sentiment":"neutral","sentiment_score":0.10242129303514957},{"text":"It's now a positive, but we're still not comfortable maintaining that our client's exposure to that fund given the systemic underperformance that they had in the previous twelve months.","start":1060.155,"end":1072.015,"sentiment":"neutral","sentiment_score":-0.2402678039567224}],"sentiment":"neutral","sentiment_score":-0.11970965133639433,"num_words":93,"start":1024.51,"end":1072.015},{"sentences":[{"text":"So even though it is bouncing back, we're just not comfortable with it, and we're still wishing to look at alternatives.","start":1072.37,"end":1080.31,"sentiment":"negative","sentiment_score":-0.3500479069494066},{"text":"But where it the portfolio is definitely starting to recover.","start":1081.49,"end":1085.67,"sentiment":"neutral","sentiment_score":0.049499227106571196},{"text":"So it's bouncing back up with an annualized return forecasted at about 8% 8.01%.","start":1085.81,"end":1093.525,"sentiment":"neutral","sentiment_score":0.16288905324680464},{"text":"So it is bouncing back, but we still wanna look at replacing Van Alarm if you're comfortable with that.","start":1094.145,"end":1100.3251,"sentiment":"neutral","sentiment_score":0.01788973053427119},{"text":"Yep.","start":1102.305,"end":1102.785,"sentiment":"neutral","sentiment_score":0.06124388799071312}],"sentiment":"neutral","sentiment_score":-0.06422181940422608,"num_words":65,"start":1072.37,"end":1102.785},{"sentences":[{"text":"Okay.","start":1102.785,"end":1103.13,"sentiment":"neutral","sentiment_score":0.05594005808234215},{"text":"Okay.","start":1103.29,"end":1103.79,"sentiment":"neutral","sentiment_score":0.0345088355243206},{"text":"Any any questions about any of that before I go further?","start":1105.53,"end":1108.51,"sentiment":"neutral","sentiment_score":-0.02907808565280654},{"text":"Okay.","start":1110.97,"end":1111.47,"sentiment":"neutral","sentiment_score":-0.0420343391597271},{"text":"No.","start":1115.6901,"end":1116.1901,"sentiment":"neutral","sentiment_score":-0.19885124266147616}],"sentiment":"neutral","sentiment_score":-0.03135304202636083,"num_words":15,"start":1102.785,"end":1116.1901},{"sentences":[{"text":"Unfortunately yeah.","start":1116.25,"end":1118.83,"sentiment":"neutral","sentiment_score":-0.14373135194182396},{"text":"It's one of the benefits of having a actively managed account is we we've got a we have a responsibility to make sure that we engage with our clients and perform reviews.","start":1119.1549,"end":1135.22,"sentiment":"neutral","sentiment_score":0.20793361705727875},{"text":"And that's why these reviews are so beneficial to make sure that we're able to have these chats and and make the changes when they're needed.","start":1135.22,"end":1144.52,"sentiment":"neutral","sentiment_score":0.25755514433750737},{"text":"So it's very beneficial in that respect.","start":1145.22,"end":1148.44,"sentiment":"positive","sentiment_score":0.41876240713255747},{"text":"The next the next document is the Vanguard index chart.","start":1150.355,"end":1153.895,"sentiment":"neutral","sentiment_score":0.0842066764831543}],"sentiment":"neutral","sentiment_score":0.21865260272057024,"num_words":77,"start":1116.25,"end":1153.895},{"sentences":[{"text":"This is just a visual aid that I like to just talk through with clients and explain in relation to also the client's risk profile, which yours is a growth investor.","start":1154.9149,"end":1168.96,"sentiment":"neutral","sentiment_score":0.12673840407402284},{"text":"So the top four shares being The US shares, Australian international, and Australian listed property.","start":1171.0199,"end":1177.125,"sentiment":"neutral","sentiment_score":0.047413652079800764},{"text":"They're your gross assets with the bottom two being Australian bonds and cash, being your defensive assets.","start":1177.4249,"end":1184.625,"sentiment":"neutral","sentiment_score":0.02679429088226136},{"text":"So you can see those top four experience significant volatility, and that's where your growth the growth part of your portfolio sits with the bottom two providing income and growth minimal growth over the long term.","start":1184.625,"end":1200.11,"sentiment":"neutral","sentiment_score":0.014329422575732073},{"text":"Your being a growth investor, you're invested 80 approximately 80% of your superannuation funds are invested across the top four listed above with the remaining 20% across the defensive assets listed below.","start":1202.5701,"end":1219.365,"sentiment":"neutral","sentiment_score":0.11554171377792954}],"sentiment":"neutral","sentiment_score":0.07105948325275009,"num_words":131,"start":1154.9149,"end":1219.365},{"sentences":[{"text":"So my job is to have a conversation with you to make sure that you're comfortable with that, you understand it.","start":1219.8,"end":1229.66,"sentiment":"neutral","sentiment_score":0.17017518870887302},{"text":"You're 51.","start":1231.3201,"end":1232.76,"sentiment":"neutral","sentiment_score":0.0038627656176686287},{"text":"So if you're looking at retirement at the age of 65, in a growth investor portfolio, we say that there's a minimum of six years investment time frame, and that's solely to withstand market volatility.","start":1232.76,"end":1250.78,"sentiment":"neutral","sentiment_score":-0.05976278521120548},{"text":"So if there is a bad year, you have time to recover.","start":1250.9199,"end":1255.58,"sentiment":"negative","sentiment_score":-0.33770017822583515},{"text":"Because in a growth portfolio, we do statistically estimate that one in every five years is a negative return.","start":1256.28,"end":1265.6449,"sentiment":"negative","sentiment_score":-0.3408924200032887}],"sentiment":"neutral","sentiment_score":-0.10156911356228121,"num_words":89,"start":1219.8,"end":1265.6449},{"sentences":[{"text":"Does that make sense?","start":1269.3049,"end":1270.5249,"sentiment":"neutral","sentiment_score":-0.04613793175667524},{"text":"Yeah.","start":1272.345,"end":1272.845,"sentiment":"neutral","sentiment_score":0.05471666902303696},{"text":"Now are you comfortable maintaining a growth risk profile as you have, or did you wanna look at adjusting it and reducing any of your growth exposure or changing it at all?","start":1273.22,"end":1290.655,"sentiment":"neutral","sentiment_score":0.010423166037071496},{"text":"Yep.","start":1290.8351,"end":1291.3351,"sentiment":"neutral","sentiment_score":0.05936961621046066},{"text":"Okay.","start":1291.635,"end":1292.135,"sentiment":"neutral","sentiment_score":0.034157589077949524}],"sentiment":"neutral","sentiment_score":0.007621370781308565,"num_words":39,"start":1269.3049,"end":1292.135},{"sentences":[{"text":"The next document is your what would I recommend?","start":1293.395,"end":1297.415,"sentiment":"neutral","sentiment_score":0.023592056706547737},{"text":"I would need to ask a few questions about your risk profile.","start":1300.31,"end":1304.41,"sentiment":"neutral","sentiment_score":0.0034545371308922768},{"text":"But based on your gross risk profile, your time frame to retirement, which is fourteen years, I would I would be confident for you to maintain a gross risk profile if you wanted to.","start":1305.11,"end":1324.935,"sentiment":"neutral","sentiment_score":0.10052018744104049},{"text":"If I thought that you should take a higher level of risk, I'd need to complete a risk profile with you just to see where you sit and whether I'd be comfortable making that recommendation.","start":1325.2999,"end":1336.76,"sentiment":"neutral","sentiment_score":-0.0369508900812694},{"text":"But given your your time frame that you've already had exposure to gross assets and the gross risk profile and even your response to the Ben along Australian Equities Fund being down and underperforming, you didn't have a significant amount of anxiety surrounding that or concern in your voice.","start":1339.545,"end":1364.875,"sentiment":"neutral","sentiment_score":-0.22861435477222716}],"sentiment":"neutral","sentiment_score":-0.06348140437236365,"num_words":139,"start":1293.395,"end":1364.875},{"sentences":[{"text":"It was just more what I interpret as not ideal if it was exactly your words.","start":1364.875,"end":1374.4149,"sentiment":"negative","sentiment_score":-0.5523211136460304},{"text":"So I think you understand how markets move, but it's really for me, it's important that the clients my clients can pass the sleep at night test.","start":1374.635,"end":1386.7101,"sentiment":"neutral","sentiment_score":0.1601502121322685},{"text":"So if you're comfortable, I would recommend maintaining your gross risk profile.","start":1387.01,"end":1395.825,"sentiment":"neutral","sentiment_score":0.11093517237653334},{"text":"If if you wanted to take on more growth and obtain my recommendation with that, I'd need to complete a risk profile with you.","start":1395.965,"end":1409.86,"sentiment":"neutral","sentiment_score":0.07214786174396674},{"text":"Yeah?","start":1409.86,"end":1410.36,"sentiment":"neutral","sentiment_score":0.09151387214660645}],"sentiment":"neutral","sentiment_score":-0.016984968353062867,"num_words":80,"start":1364.875,"end":1410.36},{"sentences":[{"text":"Okay.","start":1410.5,"end":1411.0,"sentiment":"neutral","sentiment_score":0.14350005984306335},{"text":"That's fine.","start":1411.22,"end":1412.12,"sentiment":"positive","sentiment_score":0.34433163702487946},{"text":"The next document is your TEL certificate of insurance.","start":1413.9401,"end":1417.8,"sentiment":"neutral","sentiment_score":0.17782801555262673},{"text":"So that's just showing you that your income protection is valid and enforced.","start":1418.1,"end":1423.3151,"sentiment":"neutral","sentiment_score":0.23391883648358858},{"text":"The following document is our financial services guide.","start":1426.5751,"end":1429.6951,"sentiment":"neutral","sentiment_score":0.11490091402083635}],"sentiment":"neutral","sentiment_score":0.1937202321309032,"num_words":33,"start":1410.5,"end":1429.6951},{"sentences":[{"text":"This document tells you who we are, who we're licensed through, the type of advice we provide, and how we provide it along with our fees.","start":1429.6951,"end":1439.19,"sentiment":"neutral","sentiment_score":0.15412097023083612},{"text":"And if you're unhappy with any services, how you can go about making a complaint.","start":1439.73,"end":1444.3899,"sentiment":"neutral","sentiment_score":-0.15937184145053226},{"text":"There's only two more documents to go.","start":1447.9349,"end":1450.195,"sentiment":"neutral","sentiment_score":0.018495248364550725},{"text":"The next document is the ongoing service agreement.","start":1450.975,"end":1455.315,"sentiment":"neutral","sentiment_score":0.08015332324430346},{"text":"So that just outlines what our fees are.","start":1455.375,"end":1457.9349,"sentiment":"neutral","sentiment_score":0.11411569267511368}],"sentiment":"neutral","sentiment_score":0.051565413596108556,"num_words":64,"start":1429.6951,"end":1457.9349},{"sentences":[{"text":"So if you wish to continue as a client of Oakview, It is calculated by a percentage, which is 1.65%, and then set at a fixed dollar fee.","start":1457.9349,"end":1473.58,"sentiment":"neutral","sentiment_score":0.08542250841856003},{"text":"So for yourself, that is $3,141.46 per annum, which equates to approximately $261.80 per month, which would be funded from your super fund.","start":1473.58,"end":1487.555,"sentiment":"neutral","sentiment_score":0.09343655229262683},{"text":"We've changed the fee structure recently.","start":1488.5751,"end":1490.8151,"sentiment":"neutral","sentiment_score":-0.08142353221774101},{"text":"It used to just be set at a 1.65% fee, basically.","start":1490.8151,"end":1497.53,"sentiment":"neutral","sentiment_score":-0.0921577936546369},{"text":"So every month, the fee would vary depending on the market balance the sorry, the balance of the super fund.","start":1497.75,"end":1505.53,"sentiment":"neutral","sentiment_score":-0.1203347597271204}],"sentiment":"neutral","sentiment_score":0.007180668413639069,"num_words":88,"start":1457.9349,"end":1505.53},{"sentences":[{"text":"So what that meant was in times when your portfolio was doing great, we would get paid more, which isn't ideal, and it's not transparent for clients.","start":1505.8301,"end":1517.945,"sentiment":"neutral","sentiment_score":-0.27532901808067606},{"text":"So what we've done is we've fixed that fee for a twelve month period so that the clients have full transparency about over what fee they will be charged.","start":1517.945,"end":1528.04,"sentiment":"neutral","sentiment_score":0.09897492280037239},{"text":"So if you're happy to continue, that's one form that you will need to sign electronically for me.","start":1530.42,"end":1536.12,"sentiment":"neutral","sentiment_score":0.21142314622799555},{"text":"And then the the next form is your authority for a tax for the us to hold your tax file number.","start":1536.66,"end":1544.545,"sentiment":"neutral","sentiment_score":0.14238557237244787},{"text":"So we do presently hold your tax file number on file, and that was from when we set up your superannuation fund to ensure that you didn't get taxed as a non Australian resident.","start":1544.545,"end":1555.55,"sentiment":"neutral","sentiment_score":0.08762441849445596}],"sentiment":"neutral","sentiment_score":0.04039793142456879,"num_words":129,"start":1505.8301,"end":1555.55},{"sentences":[{"text":"So this is just the your authority stating that you understand that we do hold it on file for you and that you're comfortable with that.","start":1556.09,"end":1564.03,"sentiment":"positive","sentiment_score":0.3415309385611461},{"text":"So those last two forms are the ones that need signing should you wish to continue with us.","start":1564.25,"end":1571.845,"sentiment":"neutral","sentiment_score":-0.03674419793403811},{"text":"Okay.","start":1574.0651,"end":1574.5651,"sentiment":"neutral","sentiment_score":-0.006724286824464798},{"text":"Do you have any big questions for me?","start":1575.585,"end":1578.3251,"sentiment":"neutral","sentiment_score":-0.03931594640016556},{"text":"No.","start":1580.785,"end":1581.285,"sentiment":"neutral","sentiment_score":-0.17482708394527435}],"sentiment":"neutral","sentiment_score":0.14300610921863052,"num_words":54,"start":1556.09,"end":1581.285},{"sentences":[{"text":"I've got here just your beneficiaries for your superannuation being Elizabeth and Theo.","start":1581.7699,"end":1587.07,"sentiment":"neutral","sentiment_score":-0.07771509341322459},{"text":"How old are they?","start":1588.8899,"end":1590.11,"sentiment":"neutral","sentiment_score":-0.08017666079103947},{"text":"Are they?","start":1594.6499,"end":1595.5449,"sentiment":"neutral","sentiment_score":-0.06851798668503761},{"text":"Yep.","start":1595.845,"end":1596.345,"sentiment":"neutral","sentiment_score":-0.059000395238399506},{"text":"Okay.","start":1600.485,"end":1600.965,"sentiment":"neutral","sentiment_score":0.02354048751294613}],"sentiment":"neutral","sentiment_score":-0.07159517803007648,"num_words":21,"start":1581.7699,"end":1600.965},{"sentences":[{"text":"That's alright.","start":1600.965,"end":1601.7849,"sentiment":"neutral","sentiment_score":0.10834919288754463},{"text":"I just wanted to flag that the that as they're not financial dependence under the superannuation law, they will pay upon your passing, which we'll refer to as yesterday because we know that that did not happen.","start":1601.9249,"end":1622.01,"sentiment":"neutral","sentiment_score":0.0036528668290859946},{"text":"Any funds payable to them will be payable at 17%.","start":1624.0449,"end":1629.085,"sentiment":"neutral","sentiment_score":-0.11024034656584263},{"text":"The government will take 17% tax.","start":1629.085,"end":1631.4249,"sentiment":"neutral","sentiment_score":-0.0601156714061896},{"text":"If if you have a will and you establish a will, it's still gonna be taxed, but it will be taxed at 15% instead.","start":1632.845,"end":1641.12,"sentiment":"neutral","sentiment_score":0.02142286851691703}],"sentiment":"neutral","sentiment_score":-0.007558154319471951,"num_words":79,"start":1600.965,"end":1641.12},{"sentences":[{"text":"So less the 2% Medicare.","start":1641.26,"end":1643.2,"sentiment":"neutral","sentiment_score":-0.005719771981239319},{"text":"So if you are interested in establishing a will and a power of attorney, which I do strongly recommend, I can send you a brochure of a professional partner of ours that does do it for a very reasonable cost, and they can do it virtually over the phone with you and through Teams meetings or whatever method you need.","start":1643.82,"end":1667.37,"sentiment":"neutral","sentiment_score":0.209880888586243},{"text":"Because a a power of attorney is a very powerful document that allows someone to make decisions on your behalf if you are unable to.","start":1667.91,"end":1679.685,"sentiment":"neutral","sentiment_score":0.1237159350514412},{"text":"So whereas the will will decide where your estate goes in line with your wishes.","start":1679.685,"end":1687.625,"sentiment":"neutral","sentiment_score":-0.006810917456944784},{"text":"So they're they're very important documents, and I would recommend definitely at least investigating them to have them established.","start":1687.845,"end":1700.74,"sentiment":"neutral","sentiment_score":-0.13816868317754646}],"sentiment":"neutral","sentiment_score":0.10427245233328111,"num_words":124,"start":1641.26,"end":1700.74},{"sentences":[{"text":"Yeah?","start":1704.9601,"end":1705.4601,"sentiment":"neutral","sentiment_score":0.08214963972568512},{"text":"Okay.","start":1705.52,"end":1705.92,"sentiment":"neutral","sentiment_score":0.11811771988868712},{"text":"That's right.","start":1705.92,"end":1706.505,"sentiment":"neutral","sentiment_score":0.1845964565873146},{"text":"Would you like me to send you the brochure so you have it to have a read?","start":1706.505,"end":1709.5651,"sentiment":"neutral","sentiment_score":0.10363490879535675},{"text":"Okay.","start":1711.625,"end":1712.125,"sentiment":"neutral","sentiment_score":0.0024648357648402452}],"sentiment":"neutral","sentiment_score":0.10607811627613212,"num_words":22,"start":1704.9601,"end":1712.125},{"sentences":[{"text":"Do you have any other questions for me, Michael?","start":1713.465,"end":1716.045,"sentiment":"neutral","sentiment_score":0.05580485653546122},{"text":"No?","start":1718.425,"end":1718.925,"sentiment":"neutral","sentiment_score":-0.08874654024839401},{"text":"Okay.","start":1719.11,"end":1719.35,"sentiment":"neutral","sentiment_score":0.04220067337155342},{"text":"So would it be okay if I reach out to you in about a week and a half, two weeks to set up another time just to run through that those portfolio changes that I talked to you about?","start":1719.35,"end":1728.3301,"sentiment":"neutral","sentiment_score":0.036087436362718925},{"text":"Yeah.","start":1731.99,"end":1732.31,"sentiment":"neutral","sentiment_score":0.07115310430526733}],"sentiment":"neutral","sentiment_score":0.037926685576345404,"num_words":51,"start":1713.465,"end":1732.31},{"sentences":[{"text":"Just to change that, Bennelong fund if I can find a better alternative for you.","start":1732.31,"end":1737.385,"sentiment":"neutral","sentiment_score":0.058358724663654965},{"text":"Fantastic.","start":1739.605,"end":1740.105,"sentiment":"positive","sentiment_score":0.7355005741119385},{"text":"Alright.","start":1740.485,"end":1740.805,"sentiment":"positive","sentiment_score":0.5887336134910583},{"text":"Thank you so much for your time, Michael.","start":1740.805,"end":1742.405,"sentiment":"positive","sentiment_score":0.8020884543657303},{"text":"I really appreciate it.","start":1742.405,"end":1743.785,"sentiment":"positive","sentiment_score":0.7465027123689651}],"sentiment":"positive","sentiment_score":0.40008046696412153,"num_words":29,"start":1732.31,"end":1743.785},{"sentences":[{"text":"Have a lovely evening.","start":1745.125,"end":1746.345,"sentiment":"positive","sentiment_score":0.7792758494615555},{"text":"Okay.","start":1748.005,"end":1748.3251,"sentiment":"neutral","sentiment_score":0.2020287811756134},{"text":"Bye.","start":1748.3251,"end":1748.8251,"sentiment":"neutral","sentiment_score":-0.11045818775892258}],"sentiment":"positive","sentiment_score":0.5347789985438188,"num_words":6,"start":1745.125,"end":1748.8251}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks, Jenna. Please stay on the line. Hello? Hi, Jenna. How are you? Of course. Michael Cosmedes. Forty to eleven seventy four. Five State Road Street. Sure. No. That's fine. That's fine. Yeah. Look. That's not not a problem. Don't worry about that. That's good. None. Nothing's changed. Yep. Yep. Sure. Correct. Nothing is saying. Yep. Energy Electrical. Energy. Yes. Correct. Roundabouts. I've got a small payroll since last year, I think it was. Yeah. That's a good question. Alright. Yeah. Yeah. Sure. Yep. Approximately. Yeah. No. It's probably more than that. But anyway no. Not yet. Depends how much money money I've made this year. Correct. Yep. Just the bank account. Roughly about 85,000. Mhmm. I'm single. No. No. I'm a smoker. I've always been a smoker. Yep. About twenty. Not yet. Yes. No. Mhmm. I haven't traveled anywhere really since COVID. So but that's what I wanna achieve for sure. Definitely. Not really. Yeah. No. Probably next year. Yeah. Greece. Europe. Oh, doesn't everybody? Yeah. Sorry? Probably a bit of both. Yeah. Yep. I would like a thousand dollars a week, but I don't think it's gonna I'm gonna get it. Probably 65, 70. It looks looking towards 70. I have no idea. See if our heads yeah. Well, obviously, I don't have any debt. So no. Really? Correct. No. Just what we custom holiday. No. It's yeah. My yeah. Yeah. Yeah. And my savings are more my savings are more than that. Look. I'm not I'm not a 100% sure right now. I've had a few scratches. But the house that I own is rent the house that I own is being rented as well. I guess $7.20 a week. I don't pay any rent. Correct. Yep. It's 1,300 and something. That's just my that's just my my work. Yeah. Okay. Right. Right. Okay. You still there? Yeah. Okay. Yeah. Blah blah blah blah. Yep. I'll write in the email. Yep. Mhmm. Right. Yeah. Yeah. Mhmm. Yep. Do do what you're saying. No. That's cool. Obviously, it's not it's not ideal, but what happens? Yep. Yep. Mhmm. Yeah. Yeah. Sure. No. I think we'll just keep it as it is. What would you recommend? Yeah. Yes. Yeah. Alright. Just leave that leave it as it is for now. Yeah. Alright. Yes. Yeah. Yes. No problem. No. Not really. Yep. That's a good question. My brother is three years older than me, and my sister is six years older than me. Yes. Yeah. I'll I'll figure that out. Yeah. Sure. No. It's all good. Sure. Yep. Cool. Okay. Thank you. You too. 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If you record your name and reason for calling, I'll see if this person is available. Thanks, Jenna. Please stay on the line. Hello?\n\nHi, Jenna. How are you? Of course. Michael Cosmedes. Forty to eleven seventy four.\n\nFive State Road Street. Sure. No. That's fine. That's fine.\n\nYeah. Look. That's not not a problem. Don't worry about that. That's good.\n\nNone. Nothing's changed. Yep. Yep. Sure.\n\nCorrect. Nothing is saying. Yep. Energy Electrical. Energy.\n\nYes. Correct. Roundabouts. I've got a small payroll since last year, I think it was. Yeah.\n\nThat's a good question. Alright. Yeah. Yeah. Sure.\n\nYep. Approximately. Yeah. No. It's probably more than that.\n\nBut anyway no. Not yet. Depends how much money money I've made this year. Correct. Yep.\n\nJust the bank account. Roughly about 85,000. Mhmm. I'm single. No.\n\nNo. I'm a smoker. I've always been a smoker. Yep. About twenty.\n\nNot yet. Yes. No. Mhmm. I haven't traveled anywhere really since COVID.\n\nSo but that's what I wanna achieve for sure. Definitely. Not really. Yeah. No.\n\nProbably next year. Yeah. Greece. Europe. Oh, doesn't everybody?\n\nYeah. Sorry? Probably a bit of both. Yeah. Yep.\n\nI would like a thousand dollars a week, but I don't think it's gonna I'm gonna get it. Probably 65, 70. It looks looking towards 70. I have no idea. See if our heads yeah.\n\nWell, obviously, I don't have any debt. So no. Really? Correct. No.\n\nJust what we custom holiday. No. It's yeah. My yeah. Yeah.\n\nYeah. And my savings are more my savings are more than that. Look. I'm not I'm not a 100% sure right now. I've had a few scratches.\n\nBut the house that I own is rent the house that I own is being rented as well. I guess $7.20 a week. I don't pay any rent. Correct. Yep.\n\nIt's 1,300 and something. That's just my that's just my my work. Yeah. Okay. Right.\n\nRight. Okay. You still there? Yeah. Okay.\n\nYeah. Blah blah blah blah. Yep. I'll write in the email. Yep.\n\nMhmm. Right. Yeah. Yeah. Mhmm.\n\nYep. Do do what you're saying. No. That's cool. Obviously, it's not it's not ideal, but what happens?\n\nYep. Yep. Mhmm. Yeah. Yeah.\n\nSure. No. I think we'll just keep it as it is. What would you recommend? Yeah.\n\nYes. Yeah. Alright. Just leave that leave it as it is for now. Yeah.\n\nAlright. Yes. Yeah. Yes. No problem.\n\nNo. Not really. Yep. That's a good question. My brother is three years older than me, and my sister is six years older than me.\n\nYes. Yeah. I'll I'll figure that out. Yeah. Sure.\n\nNo. It's all good. Sure. Yep. Cool.\n\nOkay. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.71999997,"end":1.12,"sentiment":"neutral","sentiment_score":0.04023149609565735},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":1.12,"end":5.46,"sentiment":"neutral","sentiment_score":0.032352634938433766},{"text":"Thanks, Jenna.","start":14.785,"end":15.765,"sentiment":"positive","sentiment_score":0.42552001774311066},{"text":"Please stay on the line.","start":15.825,"end":17.205,"sentiment":"neutral","sentiment_score":0.183276703953743},{"text":"Hello?","start":21.505001,"end":22.005001,"sentiment":"neutral","sentiment_score":0.07785698771476746}],"sentiment":"neutral","sentiment_score":0.09612616792321205,"num_words":25,"start":0.71999997,"end":22.005001},{"sentences":[{"text":"Hi, Jenna.","start":26.465,"end":27.105,"sentiment":"neutral","sentiment_score":0.150123231112957},{"text":"How are 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think we'll just keep it as it is.","start":1288.3251,"end":1290.185,"sentiment":"neutral","sentiment_score":-0.13878454723291928},{"text":"What would you recommend?","start":1294.41,"end":1295.4701,"sentiment":"neutral","sentiment_score":0.027210796251893044},{"text":"Yeah.","start":1297.93,"end":1298.43,"sentiment":"neutral","sentiment_score":0.043477125465869904}],"sentiment":"neutral","sentiment_score":-0.07552643376402557,"num_words":16,"start":1271.06,"end":1298.43},{"sentences":[{"text":"Yes.","start":1325.43,"end":1325.93,"sentiment":"neutral","sentiment_score":0.05912990868091583},{"text":"Yeah.","start":1374.875,"end":1375.375,"sentiment":"neutral","sentiment_score":-0.08617958426475525},{"text":"Alright.","start":1406.8501,"end":1407.0901,"sentiment":"neutral","sentiment_score":0.12814173102378845},{"text":"Just leave that leave it as it is for now.","start":1407.0901,"end":1409.3501,"sentiment":"neutral","sentiment_score":0.13288278356194497},{"text":"Yeah.","start":1410.61,"end":1411.11,"sentiment":"neutral","sentiment_score":0.22033432126045227}],"sentiment":"neutral","sentiment_score":0.11787530087998935,"num_words":14,"start":1325.43,"end":1411.11},{"sentences":[{"text":"Alright.","start":1529.36,"end":1529.86,"sentiment":"neutral","sentiment_score":0.1276286542415619},{"text":"Yes.","start":1536.585,"end":1537.085,"sentiment":"neutral","sentiment_score":0.15492317080497742},{"text":"Yeah.","start":1556.1901,"end":1556.6901,"sentiment":"neutral","sentiment_score":0.2889220416545868},{"text":"Yes.","start":1564.5901,"end":1565.0901,"sentiment":"neutral","sentiment_score":0.08384646475315094},{"text":"No problem.","start":1566.405,"end":1572.905,"sentiment":"neutral","sentiment_score":-0.027696695178747177}],"sentiment":"neutral","sentiment_score":0.09998782351613045,"num_words":6,"start":1529.36,"end":1572.905},{"sentences":[{"text":"No.","start":1578.9651,"end":1579.285,"sentiment":"neutral","sentiment_score":-0.15598773956298828},{"text":"Not really.","start":1579.285,"end":1580.025,"sentiment":"neutral","sentiment_score":-0.16225260496139526},{"text":"Yep.","start":1587.52,"end":1588.02,"sentiment":"neutral","sentiment_score":-0.015829745680093765},{"text":"That's a good question.","start":1592.64,"end":1593.705,"sentiment":"neutral","sentiment_score":-0.014824304729700089},{"text":"My brother is three years older than me, and my sister is six years older than me.","start":1594.505,"end":1599.8049,"sentiment":"neutral","sentiment_score":-0.10197010044665898}],"sentiment":"neutral","sentiment_score":-0.09156446486711502,"num_words":25,"start":1578.9651,"end":1599.8049},{"sentences":[{"text":"Yes.","start":1632.255,"end":1632.755,"sentiment":"neutral","sentiment_score":0.08861333131790161},{"text":"Yeah.","start":1702.48,"end":1702.72,"sentiment":"neutral","sentiment_score":0.05777944624423981},{"text":"I'll I'll figure that out.","start":1702.72,"end":1704.34,"sentiment":"neutral","sentiment_score":0.02547972872853279},{"text":"Yeah.","start":1708.275,"end":1708.775,"sentiment":"neutral","sentiment_score":0.10556359589099884},{"text":"Sure.","start":1710.275,"end":1710.775,"sentiment":"neutral","sentiment_score":0.0980980470776558}],"sentiment":"neutral","sentiment_score":0.05305034046371778,"num_words":9,"start":1632.255,"end":1710.775},{"sentences":[{"text":"No.","start":1716.515,"end":1716.755,"sentiment":"neutral","sentiment_score":-0.2908285856246948},{"text":"It's all good.","start":1716.755,"end":1717.655,"sentiment":"neutral","sentiment_score":-0.027004940745731194},{"text":"Sure.","start":1730.75,"end":1731.25,"sentiment":"neutral","sentiment_score":0.08852043002843857},{"text":"Yep.","start":1737.925,"end":1738.3251,"sentiment":"neutral","sentiment_score":0.22045227885246277},{"text":"Cool.","start":1738.3251,"end":1738.8251,"sentiment":"positive","sentiment_score":0.6197615265846252}],"sentiment":"neutral","sentiment_score":0.07955583251480546,"num_words":7,"start":1716.515,"end":1738.8251},{"sentences":[{"text":"Okay.","start":1742.903,"end":1743.403,"sentiment":"positive","sentiment_score":0.6457899808883667},{"text":"Thank you.","start":1743.8629,"end":1744.683,"sentiment":"positive","sentiment_score":0.7574447095394135},{"text":"You too.","start":1746.5029,"end":1747.063,"sentiment":"positive","sentiment_score":0.5564417839050293},{"text":"Bye.","start":1747.063,"end":1747.563,"sentiment":"positive","sentiment_score":0.34890982508659363}],"sentiment":"positive","sentiment_score":0.6037454654773077,"num_words":6,"start":1742.903,"end":1747.563}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Jenna from Oakview Financial.\n\nChannel 1: Thanks, Jenna. Please stay on the line. Hello?\n\nChannel 0: Hi, Michael. It's Jenny here from Oakview Financial. How are you\n\nChannel 1: Hi,\n\nChannel 0: today?\n\nChannel 1: Jenna. How are you?\n\nChannel 0: I'm good. Thank you. Just before I go any further, though, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Of course.\n\nChannel 0: Thank you. Michael, can I please ask you to confirm your full name, date of\n\nChannel 1: Michael\n\nChannel 0: birth,\n\nChannel 1: Cosmedes. Forty\n\nChannel 0: and\n\nChannel 1: to eleven seventy four. Five State\n\nChannel 0: address?\n\nChannel 1: Road Street.\n\nChannel 0: Thank you very much. I'm phoning today to complete your annual review. Do you have time for that? Oh, and I'm so sorry for rescheduling\n\nChannel 1: Sure.\n\nChannel 0: on\n\nChannel 1: No. That's\n\nChannel 0: Thursday.\n\nChannel 1: fine. That's fine.\n\nChannel 0: I had had a last minute medical appointment that I need\n\nChannel 1: Yeah.\n\nChannel 0: to make.\n\nChannel 1: Look. That's not not a problem. Don't worry\n\nChannel 0: So\n\nChannel 1: about\n\nChannel 0: thank\n\nChannel 1: that.\n\nChannel 0: you.\n\nChannel 1: That's good.\n\nChannel 0: Oh, okay. So, Michael, has much changed for you or anything significant since you last\n\nChannel 1: None.\n\nChannel 0: had a review with Oak\n\nChannel 1: Nothing's\n\nChannel 0: Oakview?\n\nChannel 1: changed.\n\nChannel 0: No? No? Okay. What I would like to do, if that's okay, is we go I'm gonna run through the information that we hold on file for you to make sure it's current and relevant. And then I'm going to send you an email with a review pack in it\n\nChannel 1: Yep.\n\nChannel 0: that will have a some documentation we'll walk through if you have access to your emails.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Okay. Fantastic. Well, just to start with, I'll just run through. Can I confirm if your marital status so you we've got you listed as single? Is that correct?\n\nChannel 1: Correct. Nothing is saying.\n\nChannel 0: I nothing? Okay. Okay. That's alright. And still working as an electrician?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Who's your employer?\n\nChannel 1: Energy Electrical.\n\nChannel 0: Energex\n\nChannel 1: Energy.\n\nChannel 0: Energy. Yep.\n\nChannel 1: Yes.\n\nChannel 0: Okay. And I've got you noted as full time. Is that thirty eight hours a week?\n\nChannel 1: Correct.\n\nChannel 0: Okay. I have your income down as 60. Is that correct?\n\nChannel 1: Roundabouts. I've\n\nChannel 0: Yeah?\n\nChannel 1: got a small payroll since last year, I think it was.\n\nChannel 0: Okay. Does that include super or plus\n\nChannel 1: Yeah. That's a good question. Alright.\n\nChannel 0: super? Okay. You can usually tell by checking your payslip\n\nChannel 1: Yeah.\n\nChannel 0: if you're if you're ever curious.\n\nChannel 1: Yeah.\n\nChannel 0: I'll\n\nChannel 1: Sure.\n\nChannel 0: leave it at 60 plus super. That makes a little bit more sense for an electrician.\n\nChannel 1: Yep.\n\nChannel 0: I have here that your expenditure is $1,000 a week. Would that be correct?\n\nChannel 1: Approximately. Yeah.\n\nChannel 0: And your savings at about a $100\n\nChannel 1: No. It's\n\nChannel 0: a\n\nChannel 1: probably more than that. But\n\nChannel 0: week?\n\nChannel 1: anyway\n\nChannel 0: Yeah. Yeah? Okay. Do you make any additional contributions for super? No.\n\nChannel 1: no. Not yet.\n\nChannel 0: Not yet. Do you plan on what are you wanting to do so?\n\nChannel 1: Depends how much money money I've made this year.\n\nChannel 0: Oh, okay. No worries at all. Well, we can revisit that shortly. You we have your property valued at 600,000 with no debt. Is that still correct?\n\nChannel 1: Correct.\n\nChannel 0: And you are you at 60,000 with no debt?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And you mentioned you have some savings. Do you do you use a bank account or another investment for that?\n\nChannel 1: Just the bank account.\n\nChannel 0: Yes. Do you know roughly how much you have in there?\n\nChannel 1: Roughly about 85,000.\n\nChannel 0: 80 Beautiful. Good favor.\n\nChannel 1: Mhmm. I'm single.\n\nChannel 0: Alright. Nice. Yeah. I'm I've got two children and a husband, and I definitely don't have that. That's for sure.\n\nJust a couple of financial questions. Have you ever been declared bankrupt or been a part of a debt agreement?\n\nChannel 1: No.\n\nChannel 0: No. That's fantastic. I have you here as a non smoker. Is that still correct?\n\nChannel 1: No. I'm a smoker. I've always been a smoker.\n\nChannel 0: You are? Oh,\n\nChannel 1: Yep.\n\nChannel 0: okay. That's okay. Roughly, how many day how many days? How many\n\nChannel 1: About\n\nChannel 0: per\n\nChannel 1: twenty.\n\nChannel 0: day? Yep. Alright. And do you have any significant health injuries or take any injuries or issues or take any medication?\n\nChannel 1: Not yet. Yes.\n\nChannel 0: Yes. Okay. And do you have a will or power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Alright. So with your goals and objectives, I have four listed here. I just wanted to run over them with you to see if they are still something you're working towards.\n\nChannel 1: Mhmm.\n\nChannel 0: One was depending on what happens with COVID and the borders are are reopening, you'd like to travel around Europe. Is that still the case, or have you achieved that?\n\nChannel 1: I haven't traveled anywhere really since COVID.\n\nChannel 0: No?\n\nChannel 1: So but that's\n\nChannel 0: Is\n\nChannel 1: what\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: something\n\nChannel 1: wanna achieve for sure.\n\nChannel 0: yeah. Yeah. You wanna travel? Do you have a time frame?\n\nChannel 1: Definitely. Not really.\n\nChannel 0: Yep. Okay. Is it during retirement or before retirement? The next five\n\nChannel 1: Yeah.\n\nChannel 0: years?\n\nChannel 1: No. Probably next year.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Any any place special?\n\nChannel 1: Greece. Europe.\n\nChannel 0: Beautiful. Okay. The next one was you'd is in regards to your lifestyle and I think potentially your retirement. I'll just get some clarity here. Live your best life and travel whenever you want.\n\nChannel 1: Oh, doesn't everybody?\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Now and in retirement?\n\nChannel 1: Sorry?\n\nChannel 0: Is Would that be now and in retirement?\n\nChannel 1: Probably a bit of both. Yeah.\n\nChannel 0: Yeah. Yep. Okay. Beautiful. With your superannuation, your goal was that super is your nest egg, and you're relying on this as one of your biggest assets when you retire for income, would that still be correct?\n\nChannel 1: Yep.\n\nChannel 0: And when you think of your super, what are your goals with it? Is it is it growth? Is it well, obviously, growth. But the bigger picture is is, I guess, what I'm trying to ask is at what age do you see yourself retiring and being debt free in this in the position you are, which is fantastic, what kind of income do you think you would need?\n\nChannel 1: I would like a thousand dollars a week, but I don't think it's gonna I'm gonna get it.\n\nChannel 0: Okay. And at what age?\n\nChannel 1: Probably 65, 70.\n\nChannel 0: Yep. Five. Okay.\n\nChannel 1: It\n\nChannel 0: Alright.\n\nChannel 1: looks looking\n\nChannel 0: I'm\n\nChannel 1: towards\n\nChannel 0: going\n\nChannel 1: 70.\n\nChannel 0: yeah. Okay. Well, you can leave that definitely leave that with me. So with your house, I just wonder, will you be at retirement? Would you keep your house?\n\nWould you look to downsize? What are your thoughts there?\n\nChannel 1: I have no idea.\n\nChannel 0: No?\n\nChannel 1: See if our\n\nChannel 0: Okay.\n\nChannel 1: heads\n\nChannel 0: Yeah. Yep.\n\nChannel 1: yeah.\n\nChannel 0: Okay. Okay. And then your last goal was if you want if it if I was to pass, you would like your family to be protected against any outstanding debt you may have. Well, you don't have any debt that I noted. Anything is there in that would be in relation to your insurance your insurances, which would be life and TPD, which you don't have any.\n\nYou just have income protection. Is that still relevant, that particular goal?\n\nChannel 1: Well, obviously, I don't have any debt. So\n\nChannel 0: Yep.\n\nChannel 1: no. Really?\n\nChannel 0: So it's yep. So would it be more just ensuring that your income's protected if you're unable\n\nChannel 1: Correct.\n\nChannel 0: to work? Yep. Yeah. Okay. I'll just update that one.\n\nAny other goals that you can think of that you're working towards, whether they be financial or lifestyle?\n\nChannel 1: No. Just what we custom\n\nChannel 0: Yep. Okay.\n\nChannel 1: holiday.\n\nChannel 0: Okay. What I'm gonna do is just run a quick calculation just to make sure that we actually have your income down correctly. Yeah. I might get you to check your income. You said you got a little bit of a pay rise.\n\nWhen you have some time, you don't have to do it now. You can confirm to me later if you like. Just based on 60, after tax, that's about $50,000 a year. So with your expenditure at a thousand dollar a week and your savings at about a $100 a week, there's a bit of a\n\nChannel 1: No. It's\n\nChannel 0: not due\n\nChannel 1: yeah.\n\nChannel 0: to\n\nChannel 1: My\n\nChannel 0: 60.\n\nChannel 1: yeah. Yeah. Yeah. And\n\nChannel 0: 60?\n\nChannel 1: my savings\n\nChannel 0: Sorry.\n\nChannel 1: are\n\nChannel 0: What\n\nChannel 1: more my savings are more than that.\n\nChannel 0: yeah. So your wage must be more than 60. So you don't tax on 60?\n\nChannel 1: Look. I'm not I'm not a 100%\n\nChannel 0: You're\n\nChannel 1: sure\n\nChannel 0: not\n\nChannel 1: right\n\nChannel 0: sure?\n\nChannel 1: now. I've had a few\n\nChannel 0: That's\n\nChannel 1: scratches.\n\nChannel 0: okay.\n\nChannel 1: But\n\nChannel 0: You're absolutely\n\nChannel 1: the house that I own is rent the house that I own is being rented as well.\n\nChannel 0: Yeah. Okay. Fantastic. And how much rent do you get from that?\n\nChannel 1: I guess $7.20 a week.\n\nChannel 0: Okay. So that 1,000 expenses is your rent that you pay for where you live.\n\nChannel 1: I don't\n\nChannel 0: Is\n\nChannel 1: pay\n\nChannel 0: that\n\nChannel 1: any\n\nChannel 0: right?\n\nChannel 1: rent.\n\nChannel 0: Oh, so you live in\n\nChannel 1: Correct.\n\nChannel 0: the home as well. Oh, okay. So you rent out part of the house.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Fantastic. That makes more sense. So I'm just trying to figure out the figures.\n\nSo do you know how much you get in your bank account each week for your pay? Because I can work it out backwards from there if\n\nChannel 1: It's 1,300\n\nChannel 0: you\n\nChannel 1: and something.\n\nChannel 0: like. Yep. Okay. I can work it out backwards, so don't don't worry about that. That's\n\nChannel 1: That's\n\nChannel 0: all\n\nChannel 1: just\n\nChannel 0: fine\n\nChannel 1: my\n\nChannel 0: there.\n\nChannel 1: that's just my my\n\nChannel 0: Your\n\nChannel 1: work.\n\nChannel 0: wage.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Alright. That is I can do the backward math on that, so that is absolutely fine. Do you have access to your emails at the moment?\n\nChannel 1: Okay.\n\nChannel 0: I'm just gonna send you an email, and it will come from myself and also reference Odoo sign.\n\nChannel 1: Right.\n\nChannel 0: Just in our review pack that I'm gonna share with you. So when you open that email, you'll need to click the button that says sign to open the documentation, but you're not signing anything at the moment. We're just gonna talk through the\n\nChannel 1: Right. Okay.\n\nChannel 0: that.\n\nChannel 1: You still there?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. I am.\n\nChannel 1: Okay. Yeah. Blah blah blah blah. Yep. I'll write in the email.\n\nChannel 0: Okay. Alright. So the first document you'll be looking at is a summary of superannuation insurance. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Okay. It's just a very brief overview. So you've got your superannuation with Hub twenty four, who's the platform, and the balance is sitting at $181,325. And your income protection is with Cal for $4,630 per month is your swim insured. Your waiting period is sixty days, and your benefit period is five years.\n\nAnd that premium is funded from your superannuation funds.\n\nChannel 1: Mhmm. Right.\n\nChannel 0: So that's just an overview of what we're gonna go through, the cover page as such. The next document is the performance report with Hub for the last twelve months of your portfolio. The first one you'll see at the top is the Benelon concentrated Australian equity fund. This is tagged in my notes to talk to you about. You'll save you'll see that it's performed negatively in the last twelve months.\n\nThe the reason for this is not that the Australian share market, although recently has had a bit of a downturn, but has performed badly. It's more Benelong's investment mandate. So different funds, investment managers will have different mandates they follow. Benelong's is that they their aim is to undervalued companies in the Australian share market for growth opportunities. And in the last twelve months, it's been the banks and the resources that have performed in the Australian share market, which has led to the Bennelong Australian Equities Fund's mandate being unsuccessful as such.\n\nSo one of the things that we're looking at with all of our clients at the moment is alternatives to the Bennelong Fund. As long as comp clients are comfortable with it, my goal is to find an alternative if it's appropriate and then make a recommendation to you to replace if you're comfortable with that.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. The rest of your portfolio in regards to performance and whether when our investment committee reviews them for appropriateness and that we wish to continue maintaining them. They're all performing really well. We're happy with them. You've got some great exposure to some niche markets like cybersecurity, battery tech, and lithium, which have all performed very well in the last twelve months.\n\nYou've got some gold and silver exposure along with some different economy exposure as well, so through Asia and Europe and the world and US. Sorry. So you've got some great diversification in there that really does help when different sectors are not performing fantastically. You've got the others in there to bump it up and try and lift the portfolio. If\n\nChannel 1: Yeah.\n\nChannel 0: you go so overall, the performance for the last twelve months was only 3.29% of the whole entire portfolio, and that's been impacted by the Bennelong Fund, unfortunately.\n\nChannel 1: Mhmm.\n\nChannel 0: Next document is the six month performance. We've included these for all of our clients within that hold the Bennelong the Bennelong investment. You'll see that the six month performance, they're starting to bounce back. It's now a positive, but we're still not comfortable maintaining that our client's exposure to that fund given the systemic underperformance that they had in the previous twelve months. So even though it is bouncing back, we're just not comfortable with it, and we're still wishing to look at alternatives.\n\nBut where it the portfolio is definitely starting to recover. So it's bouncing back up with an annualized return forecasted at about 8% 8.01%. So it is bouncing back, but we still wanna look at replacing Van Alarm if you're comfortable with that. Yep.\n\nChannel 1: Yep. Do\n\nChannel 0: Okay.\n\nChannel 1: do what\n\nChannel 0: Okay.\n\nChannel 1: you're saying.\n\nChannel 0: Any any questions about\n\nChannel 1: No.\n\nChannel 0: any of that before I go further?\n\nChannel 1: That's cool. Obviously,\n\nChannel 0: Okay.\n\nChannel 1: it's not it's not ideal, but\n\nChannel 0: No. Unfortunately\n\nChannel 1: what happens?\n\nChannel 0: yeah. It's one of the benefits of having a actively managed account is we we've got a we have a responsibility to make sure that we engage with our clients and perform reviews. And that's why these reviews are so beneficial to make sure that we're able to have these chats and and make the changes\n\nChannel 1: Yep.\n\nChannel 0: when they're needed. So it's very beneficial in that respect.\n\nChannel 1: Yep.\n\nChannel 0: The next the next document is the Vanguard index chart. This is just a visual aid that I like to just talk through with clients and explain in relation to also the client's risk profile, which yours is a growth investor. So the top four shares being The US shares, Australian international, and Australian listed property. They're your gross assets with the bottom two being Australian bonds and cash, being your defensive assets. So you can see those top four experience significant volatility, and that's where your growth the growth part of your portfolio sits with the bottom two providing income and growth minimal growth over the long term.\n\nYour being a growth investor, you're invested 80 approximately 80% of your superannuation funds are invested across the top four listed above with the remaining\n\nChannel 1: Mhmm.\n\nChannel 0: 20% across the defensive assets listed below. So my job is to have a conversation with you to make sure that you're comfortable with that, you understand it. You're 51. So if you're looking at retirement at the age of 65, in a growth investor portfolio, we say that there's a minimum of six years investment time frame, and that's solely to withstand market volatility. So if there is a bad year, you have time to recover.\n\nBecause in a growth portfolio, we do statistically estimate that one in every five years is a negative return.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Now are you comfortable maintaining a growth risk profile as you have, or did you wanna look at adjusting it and reducing any of your growth exposure or changing it\n\nChannel 1: No. I think we'll just keep it as\n\nChannel 0: at\n\nChannel 1: it is.\n\nChannel 0: all? Yep. Okay. The next document\n\nChannel 1: What would\n\nChannel 0: is\n\nChannel 1: you\n\nChannel 0: your\n\nChannel 1: recommend?\n\nChannel 0: what would I recommend?\n\nChannel 1: Yeah.\n\nChannel 0: I would need to ask a few questions about your risk profile. But based on your gross risk profile, your time frame to retirement, which is fourteen years, I would I would be confident for you to maintain a gross risk profile if you wanted to. If\n\nChannel 1: Yes.\n\nChannel 0: I thought that you should take a higher level of risk, I'd need to complete a risk profile with you just to see where you sit and whether I'd be comfortable making that recommendation. But given your your time frame that you've already had exposure to gross assets and the gross risk profile and even your response to the Ben along Australian Equities Fund being down and underperforming, you didn't have a significant amount of anxiety surrounding that or concern in your voice. It was just more what I interpret as not ideal if it was exactly your words. So I\n\nChannel 1: Yeah.\n\nChannel 0: think you understand how markets move, but it's really for me, it's important that the clients my clients can pass the sleep at night test. So if you're comfortable, I would recommend maintaining your gross risk profile. If if you wanted to take on more growth and obtain my recommendation with that, I'd need to complete a risk profile with\n\nChannel 1: Alright. Just leave that leave it as it is for now.\n\nChannel 0: you. Yeah? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's fine. The next document is your TEL certificate of insurance. So that's just showing you that your income protection is valid and enforced. The following document is our financial services guide. This document tells you who we are, who we're licensed through, the type of advice we provide, and how we provide it along with our fees.\n\nAnd if you're unhappy with any services, how you can go about making a complaint. There's only two more documents to go. The next document is the ongoing service agreement. So that just outlines what our fees are. So if you wish to continue as a client of Oakview, It is calculated by a percentage, which is 1.65%, and then set at a fixed dollar fee.\n\nSo for yourself, that is $3,141.46 per annum, which equates to approximately $261.80 per month, which would be funded from your super fund. We've changed the fee structure recently. It used to just be set at a 1.65% fee, basically. So every month, the fee would vary depending on the market balance the sorry, the balance of the super fund. So what that meant was in times when your portfolio was doing great, we would get paid more, which isn't ideal, and it's not transparent for clients.\n\nSo what we've done is we've fixed that fee for a twelve month period so that the clients have full transparency about over what fee they will be charged.\n\nChannel 1: Alright.\n\nChannel 0: So if you're happy to continue, that's one form that you will need to sign electronically for me.\n\nChannel 1: Yes.\n\nChannel 0: And then the the next form is your authority for a tax for the us to hold your tax file number. So we do presently hold your tax file number on file, and that was from when we set up your superannuation fund to ensure that you didn't get taxed as a non Australian resident. So\n\nChannel 1: Yeah.\n\nChannel 0: this is just the your authority stating that you understand that we do hold it on file for you and that you're comfortable with that. So those\n\nChannel 1: Yes.\n\nChannel 0: last two forms are the ones\n\nChannel 1: No\n\nChannel 0: that need signing should you wish to continue with us.\n\nChannel 1: problem.\n\nChannel 0: Okay. Do you have any big questions for me?\n\nChannel 1: No. Not really.\n\nChannel 0: No. I've got here just your beneficiaries for your superannuation being Elizabeth and Theo.\n\nChannel 1: Yep.\n\nChannel 0: How old are they?\n\nChannel 1: That's a good question. My\n\nChannel 0: Are\n\nChannel 1: brother is\n\nChannel 0: they?\n\nChannel 1: three\n\nChannel 0: Yep.\n\nChannel 1: years older than me, and my sister is six years older than me.\n\nChannel 0: Okay. That's alright. I just wanted to flag that the that as they're not financial dependence under the superannuation law, they will pay upon your passing, which we'll refer to as yesterday because we know that that did not happen. Any funds payable to them will be payable at 17%. The government will take 17% tax.\n\nChannel 1: Yes.\n\nChannel 0: If if you have a will and you establish a will, it's still gonna be taxed, but it will be taxed at 15% instead. So less the 2% Medicare. So if you are interested in establishing a will and a power of attorney, which I do strongly recommend, I can send you a brochure of a professional partner of ours that does do it for a very reasonable cost, and they can do it virtually over the phone with you and through Teams meetings or whatever method you need. Because a a power of attorney is a very powerful document that allows someone to make decisions on your behalf if you are unable to. So whereas the will will decide where your estate goes in line with your wishes.\n\nSo they're they're very important documents, and I would recommend definitely at least investigating them to have them established.\n\nChannel 1: Yeah. I'll I'll figure that out.\n\nChannel 0: Yeah? Okay. That's right. Would you like me to send you the brochure so you\n\nChannel 1: Yeah.\n\nChannel 0: have it to have a read?\n\nChannel 1: Sure.\n\nChannel 0: Okay. Do you have any other questions for me, Michael?\n\nChannel 1: No. It's all good.\n\nChannel 0: No? Okay. So would it be okay if I reach out to you in about a week and a half, two weeks to set up another time just to run through that those portfolio changes that I talked to you about?\n\nChannel 1: Sure.\n\nChannel 0: Yeah. Just to change that, Bennelong fund if I can find a better alternative for you.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Fantastic. Alright. Thank you so much for your time, Michael. I really appreciate\n\nChannel 1: Okay.\n\nChannel 0: it.\n\nChannel 1: Thank you.\n\nChannel 0: Have a lovely evening.\n\nChannel 1: You too. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.71999997,"end":1.12,"sentiment":"neutral","sentiment_score":0.04023149609565735},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":1.12,"end":5.46,"sentiment":"neutral","sentiment_score":0.032352634938433766}],"sentiment":"neutral","sentiment_score":0.03281609735944692,"channel":1,"num_words":17,"start":0.71999997,"end":5.46},{"sentences":[{"text":"Jenna from Oakview Financial.","start":7.8399997,"end":9.62,"sentiment":"neutral","sentiment_score":0.0723869800567627}],"sentiment":"neutral","sentiment_score":0.0723869800567627,"channel":0,"num_words":4,"start":7.8399997,"end":9.62},{"sentences":[{"text":"Thanks, Jenna.","start":14.785,"end":15.765,"sentiment":"positive","sentiment_score":0.42552001774311066},{"text":"Please stay on the 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there?","start":816.37006,"end":817.27,"sentiment":"neutral","sentiment_score":-0.029260403166214626}],"sentiment":"neutral","sentiment_score":-0.029260403166214626,"channel":1,"num_words":3,"start":816.37006,"end":817.27},{"sentences":[{"text":"Yeah.","start":817.725,"end":818.045,"sentiment":"neutral","sentiment_score":0.010273303836584091}],"sentiment":"neutral","sentiment_score":0.010273303836584091,"channel":0,"num_words":1,"start":817.725,"end":818.045},{"sentences":[{"text":"Yeah.","start":817.81006,"end":818.31006,"sentiment":"neutral","sentiment_score":0.018938696011900905}],"sentiment":"neutral","sentiment_score":0.018938696011900905,"channel":1,"num_words":1,"start":817.81006,"end":818.31006},{"sentences":[{"text":"Yes.","start":818.045,"end":818.49,"sentiment":"neutral","sentiment_score":0.033334605395793915},{"text":"I am.","start":818.49,"end":819.14996,"sentiment":"neutral","sentiment_score":0.02283455990254879}],"sentiment":"neutral","sentiment_score":0.026334575066963833,"channel":0,"num_words":3,"start":818.045,"end":819.14996},{"sentences":[{"text":"Okay.","start":818.85004,"end":819.35004,"sentiment":"neutral","sentiment_score":0.017213664948940277},{"text":"Yeah.","start":821.25,"end":821.41003,"sentiment":"neutral","sentiment_score":-0.010150361806154253},{"text":"Blah blah blah blah.","start":821.41003,"end":822.45,"sentiment":"neutral","sentiment_score":-0.06946218386292458},{"text":"Yep.","start":822.45,"end":822.95,"sentiment":"neutral","sentiment_score":0.02374112978577614},{"text":"I'll write in the email.","start":823.57,"end":824.71,"sentiment":"neutral","sentiment_score":0.018880856782197954}],"sentiment":"neutral","sentiment_score":-0.012720001551012198,"channel":1,"num_words":12,"start":818.85004,"end":824.71},{"sentences":[{"text":"Okay.","start":825.69,"end":826.19,"sentiment":"neutral","sentiment_score":0.051986537873744965},{"text":"Alright.","start":826.41,"end":826.91,"sentiment":"neutral","sentiment_score":0.07943692058324814},{"text":"So the first document you'll be looking at is a summary of superannuation insurance.","start":827.05,"end":830.99,"sentiment":"neutral","sentiment_score":0.08790323883295059},{"text":"Is that right?","start":831.05,"end":831.95,"sentiment":"neutral","sentiment_score":0.08533712228139241}],"sentiment":"neutral","sentiment_score":0.08516211415591993,"channel":0,"num_words":19,"start":825.69,"end":831.95},{"sentences":[{"text":"Yep.","start":832.32495,"end":832.82495,"sentiment":"neutral","sentiment_score":0.06014184281229973}],"sentiment":"neutral","sentiment_score":0.06014184281229973,"channel":1,"num_words":1,"start":832.32495,"end":832.82495},{"sentences":[{"text":"Okay.","start":833.69,"end":834.17,"sentiment":"neutral","sentiment_score":0.08448947966098785},{"text":"It's just a very brief overview.","start":834.17,"end":836.085,"sentiment":"neutral","sentiment_score":0.08439863364522655},{"text":"So you've got your superannuation with Hub twenty four, who's the platform, and the balance is sitting at $181,325.","start":836.145,"end":844.885,"sentiment":"neutral","sentiment_score":0.07537025232848368},{"text":"And your income protection is with Cal for $4,630 per month is your swim insured.","start":845.585,"end":854.64,"sentiment":"neutral","sentiment_score":0.06684938073158264},{"text":"Your waiting period is sixty days, and your benefit period is five years.","start":855.42,"end":860.16,"sentiment":"neutral","sentiment_score":0.058379172132565424}],"sentiment":"neutral","sentiment_score":0.07008492637908569,"channel":0,"num_words":54,"start":833.69,"end":860.16},{"sentences":[{"text":"And that premium is funded from your superannuation funds.","start":861.1,"end":864.915,"sentiment":"neutral","sentiment_score":0.05349679498208894}],"sentiment":"neutral","sentiment_score":0.05349679498208894,"channel":0,"num_words":9,"start":861.1,"end":864.915},{"sentences":[{"text":"Mhmm.","start":865.14496,"end":865.64496,"sentiment":"neutral","sentiment_score":0.0029518220108002424},{"text":"Right.","start":866.02496,"end":866.52496,"sentiment":"neutral","sentiment_score":0.0024300147779285908}],"sentiment":"neutral","sentiment_score":0.0026909183943644166,"channel":1,"num_words":2,"start":865.14496,"end":866.52496},{"sentences":[{"text":"So that's just an overview of what we're gonna go through, the cover page as such.","start":867.135,"end":871.395,"sentiment":"neutral","sentiment_score":0.006341689673718065},{"text":"The next document is the performance report with Hub for the last twelve months of your portfolio.","start":873.215,"end":878.77,"sentiment":"neutral","sentiment_score":0.001009797677397728},{"text":"The first one you'll see at the top is the Benelon concentrated Australian equity fund.","start":880.35004,"end":885.33,"sentiment":"neutral","sentiment_score":-0.04786857838431994},{"text":"This is tagged in my notes to talk to you about.","start":885.79004,"end":889.25,"sentiment":"neutral","sentiment_score":-0.080100610174916},{"text":"You'll save you'll see that it's performed negatively in the last twelve months.","start":889.63,"end":894.635,"sentiment":"neutral","sentiment_score":-0.267240339746842}],"sentiment":"neutral","sentiment_score":-0.06881425290420237,"channel":0,"num_words":72,"start":867.135,"end":894.635},{"sentences":[{"text":"The the reason for this is not that the Australian share market, although recently has had a bit of a downturn, but has performed badly.","start":897.015,"end":905.35504,"sentiment":"neutral","sentiment_score":-0.3080704128742218},{"text":"It's more Benelong's investment mandate.","start":906.20996,"end":910.23,"sentiment":"neutral","sentiment_score":-0.16906952857971191},{"text":"So different funds, investment managers will have different mandates they follow.","start":910.52997,"end":916.23,"sentiment":"neutral","sentiment_score":-0.10998444394631819},{"text":"Benelong's is that they their aim is to undervalued companies in the Australian share market for growth opportunities.","start":916.76996,"end":924.085,"sentiment":"neutral","sentiment_score":-0.09448353573679924},{"text":"And in the last twelve months, it's been the banks and the resources that have performed in the Australian share market, which has led to the Bennelong Australian Equities Fund's mandate being unsuccessful as such.","start":925.825,"end":939.58997,"sentiment":"neutral","sentiment_score":-0.17048200432743346}],"sentiment":"neutral","sentiment_score":-0.18536713449878894,"channel":0,"num_words":94,"start":897.015,"end":939.58997},{"sentences":[{"text":"So one of the things that we're looking at with all of our clients at the moment is alternatives to the Bennelong Fund.","start":939.89,"end":945.49,"sentiment":"neutral","sentiment_score":-0.010620369656902292},{"text":"As long as comp clients are comfortable with it, my goal is to find an alternative if it's appropriate and then make a recommendation to you to replace if you're comfortable with that.","start":945.49,"end":958.505,"sentiment":"neutral","sentiment_score":0.03927323323759166}],"sentiment":"neutral","sentiment_score":0.018781217763067355,"channel":0,"num_words":56,"start":939.89,"end":958.505},{"sentences":[{"text":"Yeah.","start":960.72,"end":961.22,"sentiment":"neutral","sentiment_score":0.04863132163882256}],"sentiment":"neutral","sentiment_score":0.04863132163882256,"channel":1,"num_words":1,"start":960.72,"end":961.22},{"sentences":[{"text":"Yep.","start":961.94,"end":962.44,"sentiment":"neutral","sentiment_score":0.09715425968170166},{"text":"The rest of your portfolio in regards to performance and whether when our investment committee reviews them for appropriateness and that we wish to continue maintaining them.","start":963.69995,"end":978.605,"sentiment":"neutral","sentiment_score":0.16705530247202627},{"text":"They're all performing really well.","start":979.145,"end":980.985,"sentiment":"positive","sentiment_score":0.5812463521957397},{"text":"We're happy with them.","start":980.985,"end":982.28503,"sentiment":"positive","sentiment_score":0.6789814680814743},{"text":"You've got some great exposure to some niche markets like cybersecurity, battery tech, and lithium, which have all performed very well in the last twelve months.","start":982.505,"end":992.72003,"sentiment":"positive","sentiment_score":0.48672498074861675}],"sentiment":"positive","sentiment_score":0.36324848506658797,"channel":0,"num_words":63,"start":961.94,"end":992.72003},{"sentences":[{"text":"You've got some gold and silver exposure along with some different economy exposure as well, so through Asia and Europe and the world and US.","start":993.5,"end":1006.90497,"sentiment":"neutral","sentiment_score":0.29102917373180387},{"text":"Sorry.","start":1006.90497,"end":1007.305,"sentiment":"neutral","sentiment_score":-0.015278286300599577},{"text":"So you've got some great diversification in there that really does help when different sectors are not performing fantastically.","start":1007.305,"end":1016.445,"sentiment":"positive","sentiment_score":0.46423628690995666},{"text":"You've got the others in there to bump it up and try and lift the portfolio.","start":1016.745,"end":1022.37,"sentiment":"positive","sentiment_score":0.44771387055516243},{"text":"If","start":1024.51,"end":1024.75,"sentiment":"neutral","sentiment_score":0.05191965773701668}],"sentiment":"positive","sentiment_score":0.375746485401666,"channel":0,"num_words":62,"start":993.5,"end":1024.75},{"sentences":[{"text":"Yeah.","start":1024.75,"end":1025.25,"sentiment":"neutral","sentiment_score":-0.012965671718120577}],"sentiment":"neutral","sentiment_score":-0.012965671718120577,"channel":1,"num_words":1,"start":1024.75,"end":1025.25},{"sentences":[{"text":"you go so overall, the performance for the last twelve months was only 3.29% of the whole entire portfolio, and that's been impacted by the Bennelong Fund, unfortunately.","start":1024.75,"end":1038.5651,"sentiment":"neutral","sentiment_score":-0.21689683884116157}],"sentiment":"neutral","sentiment_score":-0.21689683884116157,"channel":0,"num_words":28,"start":1024.75,"end":1038.5651},{"sentences":[{"text":"Mhmm.","start":1039.955,"end":1040.455,"sentiment":"neutral","sentiment_score":-0.046610064804553986}],"sentiment":"neutral","sentiment_score":-0.046610064804553986,"channel":1,"num_words":1,"start":1039.955,"end":1040.455},{"sentences":[{"text":"Next document is the six month performance.","start":1042.0651,"end":1044.5399,"sentiment":"neutral","sentiment_score":-0.028317123651504517},{"text":"We've included these for all of our clients within that hold the Bennelong the Bennelong investment.","start":1044.5399,"end":1051.0399,"sentiment":"neutral","sentiment_score":0.051570307463407516},{"text":"You'll see that the six month performance, they're starting to bounce back.","start":1053.82,"end":1058.235,"sentiment":"neutral","sentiment_score":0.10242129303514957},{"text":"It's now a positive, but we're still not comfortable maintaining that our client's exposure to that fund given the systemic underperformance that they had in the previous twelve months.","start":1060.155,"end":1072.015,"sentiment":"neutral","sentiment_score":-0.2402678039567224},{"text":"So even though it is bouncing back, we're just not comfortable with it, and we're still wishing to look at alternatives.","start":1072.37,"end":1080.31,"sentiment":"negative","sentiment_score":-0.3500479069494066}],"sentiment":"neutral","sentiment_score":-0.14662131518125535,"channel":0,"num_words":85,"start":1042.0651,"end":1080.31},{"sentences":[{"text":"But where it the portfolio is definitely starting to recover.","start":1081.49,"end":1085.67,"sentiment":"neutral","sentiment_score":0.049499227106571196},{"text":"So it's bouncing back up with an annualized return forecasted at about 8% 8.01%.","start":1085.81,"end":1093.525,"sentiment":"neutral","sentiment_score":0.16288905324680464},{"text":"So it is bouncing back, but we still wanna look at replacing Van Alarm if you're comfortable with that.","start":1094.145,"end":1100.3251,"sentiment":"neutral","sentiment_score":0.01788973053427119},{"text":"Yep.","start":1102.305,"end":1102.785,"sentiment":"neutral","sentiment_score":0.06124388799071312}],"sentiment":"neutral","sentiment_score":0.07219517692415552,"channel":0,"num_words":44,"start":1081.49,"end":1102.785},{"sentences":[{"text":"Yep.","start":1102.5,"end":1102.6599,"sentiment":"neutral","sentiment_score":0.05494862422347069},{"text":"Do","start":1102.6599,"end":1103.0599,"sentiment":"neutral","sentiment_score":0.048204004764556885}],"sentiment":"neutral","sentiment_score":0.051576314494013786,"channel":1,"num_words":2,"start":1102.5,"end":1103.0599},{"sentences":[{"text":"Okay.","start":1102.785,"end":1103.13,"sentiment":"neutral","sentiment_score":0.05594005808234215}],"sentiment":"neutral","sentiment_score":0.05594005808234215,"channel":0,"num_words":1,"start":1102.785,"end":1103.13},{"sentences":[{"text":"do what","start":1103.0599,"end":1103.46,"sentiment":"neutral","sentiment_score":0.03755035810172558}],"sentiment":"neutral","sentiment_score":0.03755035810172558,"channel":1,"num_words":2,"start":1103.0599,"end":1103.46},{"sentences":[{"text":"Okay.","start":1103.29,"end":1103.79,"sentiment":"neutral","sentiment_score":0.0345088355243206}],"sentiment":"neutral","sentiment_score":0.0345088355243206,"channel":0,"num_words":1,"start":1103.29,"end":1103.79},{"sentences":[{"text":"you're saying.","start":1103.46,"end":1104.12,"sentiment":"neutral","sentiment_score":0.036928942427039146}],"sentiment":"neutral","sentiment_score":0.036928942427039146,"channel":1,"num_words":2,"start":1103.46,"end":1104.12},{"sentences":[{"text":"Any any questions about","start":1105.53,"end":1106.73,"sentiment":"neutral","sentiment_score":0.00280794221907854}],"sentiment":"neutral","sentiment_score":0.00280794221907854,"channel":0,"num_words":4,"start":1105.53,"end":1106.73},{"sentences":[{"text":"No.","start":1106.54,"end":1107.04,"sentiment":"neutral","sentiment_score":-0.04554685950279236}],"sentiment":"neutral","sentiment_score":-0.04554685950279236,"channel":1,"num_words":1,"start":1106.54,"end":1107.04},{"sentences":[{"text":"any of that before I go further?","start":1106.73,"end":1108.51,"sentiment":"neutral","sentiment_score":-0.047298673008169444}],"sentiment":"neutral","sentiment_score":-0.047298673008169444,"channel":0,"num_words":7,"start":1106.73,"end":1108.51},{"sentences":[{"text":"That's cool.","start":1109.46,"end":1110.2,"sentiment":"neutral","sentiment_score":0.15057755261659622},{"text":"Obviously,","start":1110.8999,"end":1111.3999,"sentiment":"neutral","sentiment_score":-0.01686975359916687}],"sentiment":"neutral","sentiment_score":0.09476178387800853,"channel":1,"num_words":3,"start":1109.46,"end":1111.3999},{"sentences":[{"text":"Okay.","start":1110.97,"end":1111.47,"sentiment":"neutral","sentiment_score":-0.0420343391597271}],"sentiment":"neutral","sentiment_score":-0.0420343391597271,"channel":0,"num_words":1,"start":1110.97,"end":1111.47},{"sentences":[{"text":"it's not it's not ideal, but","start":1111.5399,"end":1114.725,"sentiment":"neutral","sentiment_score":-0.16481878608465195}],"sentiment":"neutral","sentiment_score":-0.16481878608465195,"channel":1,"num_words":6,"start":1111.5399,"end":1114.725},{"sentences":[{"text":"No.","start":1115.6901,"end":1116.1901,"sentiment":"neutral","sentiment_score":-0.19885124266147616},{"text":"Unfortunately","start":1116.25,"end":1116.75,"sentiment":"neutral","sentiment_score":-0.23018865287303925}],"sentiment":"neutral","sentiment_score":-0.2145199477672577,"channel":0,"num_words":2,"start":1115.6901,"end":1116.75},{"sentences":[{"text":"what happens?","start":1116.545,"end":1117.205,"sentiment":"neutral","sentiment_score":-0.23733457922935486}],"sentiment":"neutral","sentiment_score":-0.23733457922935486,"channel":1,"num_words":2,"start":1116.545,"end":1117.205},{"sentences":[{"text":"yeah.","start":1118.33,"end":1118.83,"sentiment":"neutral","sentiment_score":-0.05727405101060867},{"text":"It's one of the benefits of having a actively managed account is we we've got a we have a responsibility to make sure that we engage with our clients and perform reviews.","start":1119.1549,"end":1135.22,"sentiment":"neutral","sentiment_score":0.20793361705727875},{"text":"And that's why these reviews are so beneficial to make sure that we're able to have these chats and and make the changes","start":1135.22,"end":1143.62,"sentiment":"neutral","sentiment_score":0.26570153884265735}],"sentiment":"neutral","sentiment_score":0.22692387657506125,"channel":0,"num_words":56,"start":1118.33,"end":1143.62},{"sentences":[{"text":"Yep.","start":1143.2051,"end":1143.7051,"sentiment":"neutral","sentiment_score":0.15312370657920835}],"sentiment":"neutral","sentiment_score":0.15312370657920835,"channel":1,"num_words":1,"start":1143.2051,"end":1143.7051},{"sentences":[{"text":"when they're needed.","start":1143.62,"end":1144.52,"sentiment":"neutral","sentiment_score":0.19509945313135782},{"text":"So it's very beneficial in that respect.","start":1145.22,"end":1148.44,"sentiment":"positive","sentiment_score":0.41876240713255747}],"sentiment":"positive","sentiment_score":0.35166352093219755,"channel":0,"num_words":10,"start":1143.62,"end":1148.44},{"sentences":[{"text":"Yep.","start":1149.125,"end":1149.625,"sentiment":"neutral","sentiment_score":0.12417056411504744}],"sentiment":"neutral","sentiment_score":0.12417056411504744,"channel":1,"num_words":1,"start":1149.125,"end":1149.625},{"sentences":[{"text":"The next the next document is the Vanguard index chart.","start":1150.355,"end":1153.895,"sentiment":"neutral","sentiment_score":0.0842066764831543},{"text":"This is just a visual aid that I like to just talk through with clients and explain in relation to also the client's risk profile, which yours is a growth investor.","start":1154.9149,"end":1168.96,"sentiment":"neutral","sentiment_score":0.12673840407402284},{"text":"So the top four shares being The US shares, Australian international, and Australian listed property.","start":1171.0199,"end":1177.125,"sentiment":"neutral","sentiment_score":0.047413652079800764},{"text":"They're your gross assets with the bottom two being Australian bonds and cash, being your defensive assets.","start":1177.4249,"end":1184.625,"sentiment":"neutral","sentiment_score":0.02679429088226136},{"text":"So you can see those top four experience significant volatility, and that's where your growth the growth part of your portfolio sits with the bottom two providing income and growth minimal growth over the long term.","start":1184.625,"end":1200.11,"sentiment":"neutral","sentiment_score":0.014329422575732073}],"sentiment":"neutral","sentiment_score":0.05920664431236752,"channel":0,"num_words":109,"start":1150.355,"end":1200.11},{"sentences":[{"text":"Your being a growth investor, you're invested 80 approximately 80% of your superannuation funds are invested across the top four listed above with the remaining","start":1202.5701,"end":1215.605,"sentiment":"neutral","sentiment_score":0.12617417126893998}],"sentiment":"neutral","sentiment_score":0.12617417126893998,"channel":0,"num_words":25,"start":1202.5701,"end":1215.605},{"sentences":[{"text":"Mhmm.","start":1215.18,"end":1215.68,"sentiment":"neutral","sentiment_score":0.07988478988409042}],"sentiment":"neutral","sentiment_score":0.07988478988409042,"channel":1,"num_words":1,"start":1215.18,"end":1215.68},{"sentences":[{"text":"20% across the defensive assets listed below.","start":1215.665,"end":1219.365,"sentiment":"neutral","sentiment_score":0.07756865131003517},{"text":"So my job is to have a conversation with you to make sure that you're comfortable with that, you understand it.","start":1219.8,"end":1229.66,"sentiment":"neutral","sentiment_score":0.17017518870887302},{"text":"You're 51.","start":1231.3201,"end":1232.76,"sentiment":"neutral","sentiment_score":0.0038627656176686287},{"text":"So if you're looking at retirement at the age of 65, in a growth investor portfolio, we say that there's a minimum of six years investment time frame, and that's solely to withstand market volatility.","start":1232.76,"end":1250.78,"sentiment":"neutral","sentiment_score":-0.05976278521120548},{"text":"So if there is a bad year, you have time to recover.","start":1250.9199,"end":1255.58,"sentiment":"negative","sentiment_score":-0.33770017822583515}],"sentiment":"neutral","sentiment_score":-0.02623005932221165,"channel":0,"num_words":77,"start":1215.665,"end":1255.58},{"sentences":[{"text":"Because in a growth portfolio, we do statistically estimate that one in every five years is a negative 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recommend definitely at least investigating them to have them established.","start":1687.845,"end":1700.74,"sentiment":"neutral","sentiment_score":-0.13816868317754646}],"sentiment":"neutral","sentiment_score":-0.13816868317754646,"channel":0,"num_words":19,"start":1687.845,"end":1700.74},{"sentences":[{"text":"Yeah.","start":1702.48,"end":1702.72,"sentiment":"neutral","sentiment_score":0.05777944624423981},{"text":"I'll I'll figure that out.","start":1702.72,"end":1704.34,"sentiment":"neutral","sentiment_score":0.02547972872853279}],"sentiment":"neutral","sentiment_score":0.030863014981150627,"channel":1,"num_words":6,"start":1702.48,"end":1704.34},{"sentences":[{"text":"Yeah?","start":1704.9601,"end":1705.4601,"sentiment":"neutral","sentiment_score":0.08214963972568512},{"text":"Okay.","start":1705.52,"end":1705.92,"sentiment":"neutral","sentiment_score":0.11811771988868712},{"text":"That's right.","start":1705.92,"end":1706.505,"sentiment":"neutral","sentiment_score":0.1845964565873146},{"text":"Would you like me to send you the brochure so you","start":1706.505,"end":1708.345,"sentiment":"neutral","sentiment_score":0.12003274397416548}],"sentiment":"neutral","sentiment_score":0.12598803043365478,"channel":0,"num_words":15,"start":1704.9601,"end":1708.345},{"sentences":[{"text":"Yeah.","start":1708.275,"end":1708.775,"sentiment":"neutral","sentiment_score":0.10556359589099884}],"sentiment":"neutral","sentiment_score":0.10556359589099884,"channel":1,"num_words":1,"start":1708.275,"end":1708.775},{"sentences":[{"text":"have it to have a read?","start":1708.345,"end":1709.5651,"sentiment":"neutral","sentiment_score":0.07357221096754074}],"sentiment":"neutral","sentiment_score":0.07357221096754074,"channel":0,"num_words":6,"start":1708.345,"end":1709.5651},{"sentences":[{"text":"Sure.","start":1710.275,"end":1710.775,"sentiment":"neutral","sentiment_score":0.0980980470776558}],"sentiment":"neutral","sentiment_score":0.0980980470776558,"channel":1,"num_words":1,"start":1710.275,"end":1710.775},{"sentences":[{"text":"Okay.","start":1711.625,"end":1712.125,"sentiment":"neutral","sentiment_score":0.0024648357648402452},{"text":"Do you have any other questions for me, Michael?","start":1713.465,"end":1716.045,"sentiment":"neutral","sentiment_score":0.05580485653546122}],"sentiment":"neutral","sentiment_score":0.05047085445839912,"channel":0,"num_words":10,"start":1711.625,"end":1716.045},{"sentences":[{"text":"No.","start":1716.515,"end":1716.755,"sentiment":"neutral","sentiment_score":-0.2908285856246948},{"text":"It's all good.","start":1716.755,"end":1717.655,"sentiment":"neutral","sentiment_score":-0.027004940745731194}],"sentiment":"neutral","sentiment_score":-0.0929608519654721,"channel":1,"num_words":4,"start":1716.515,"end":1717.655},{"sentences":[{"text":"No?","start":1718.425,"end":1718.925,"sentiment":"neutral","sentiment_score":-0.08874654024839401},{"text":"Okay.","start":1719.11,"end":1719.35,"sentiment":"neutral","sentiment_score":0.04220067337155342},{"text":"So would it be okay if I reach out to you in about a week and a half, two weeks to set up another time just to run through that those portfolio changes that I talked to you about?","start":1719.35,"end":1728.3301,"sentiment":"neutral","sentiment_score":0.036087436362718925}],"sentiment":"neutral","sentiment_score":0.0331918085675414,"channel":0,"num_words":41,"start":1718.425,"end":1728.3301},{"sentences":[{"text":"Sure.","start":1730.75,"end":1731.25,"sentiment":"neutral","sentiment_score":0.08852043002843857}],"sentiment":"neutral","sentiment_score":0.08852043002843857,"channel":1,"num_words":1,"start":1730.75,"end":1731.25},{"sentences":[{"text":"Yeah.","start":1731.99,"end":1732.31,"sentiment":"neutral","sentiment_score":0.07115310430526733},{"text":"Just to change that, Bennelong fund if I can find a better alternative for you.","start":1732.31,"end":1737.385,"sentiment":"neutral","sentiment_score":0.058358724663654965}],"sentiment":"neutral","sentiment_score":0.059158373391255736,"channel":0,"num_words":16,"start":1731.99,"end":1737.385},{"sentences":[{"text":"Yep.","start":1737.925,"end":1738.3251,"sentiment":"neutral","sentiment_score":0.22045227885246277},{"text":"Cool.","start":1738.3251,"end":1738.8251,"sentiment":"positive","sentiment_score":0.6197615265846252}],"sentiment":"positive","sentiment_score":0.420106902718544,"channel":1,"num_words":2,"start":1737.925,"end":1738.8251},{"sentences":[{"text":"Fantastic.","start":1739.605,"end":1740.105,"sentiment":"positive","sentiment_score":0.7355005741119385},{"text":"Alright.","start":1740.485,"end":1740.805,"sentiment":"positive","sentiment_score":0.5887336134910583},{"text":"Thank you so much for your time, Michael.","start":1740.805,"end":1742.405,"sentiment":"positive","sentiment_score":0.8020884543657303},{"text":"I really appreciate","start":1742.405,"end":1743.285,"sentiment":"positive","sentiment_score":0.7678201198577881}],"sentiment":"positive","sentiment_score":0.7726463217001694,"channel":0,"num_words":13,"start":1739.605,"end":1743.285},{"sentences":[{"text":"Okay.","start":1742.903,"end":1743.403,"sentiment":"positive","sentiment_score":0.6457899808883667}],"sentiment":"positive","sentiment_score":0.6457899808883667,"channel":1,"num_words":1,"start":1742.903,"end":1743.403},{"sentences":[{"text":"it.","start":1743.285,"end":1743.785,"sentiment":"positive","sentiment_score":0.6825504899024963}],"sentiment":"positive","sentiment_score":0.6825504899024963,"channel":0,"num_words":1,"start":1743.285,"end":1743.785},{"sentences":[{"text":"Thank you.","start":1743.8629,"end":1744.683,"sentiment":"positive","sentiment_score":0.7574447095394135}],"sentiment":"positive","sentiment_score":0.7574447095394135,"channel":1,"num_words":2,"start":1743.8629,"end":1744.683},{"sentences":[{"text":"Have a lovely evening.","start":1745.125,"end":1746.345,"sentiment":"positive","sentiment_score":0.7792758494615555}],"sentiment":"positive","sentiment_score":0.7792758494615555,"channel":0,"num_words":4,"start":1745.125,"end":1746.345},{"sentences":[{"text":"You too.","start":1746.5029,"end":1747.063,"sentiment":"positive","sentiment_score":0.5564417839050293},{"text":"Bye.","start":1747.063,"end":1747.563,"sentiment":"positive","sentiment_score":0.34890982508659363}],"sentiment":"positive","sentiment_score":0.4872644642988841,"channel":1,"num_words":3,"start":1746.5029,"end":1747.563},{"sentences":[{"text":"Okay.","start":1748.005,"end":1748.3251,"sentiment":"neutral","sentiment_score":0.2020287811756134},{"text":"Bye.","start":1748.3251,"end":1748.8251,"sentiment":"neutral","sentiment_score":-0.11045818775892258}],"sentiment":"neutral","sentiment_score":0.04578529670834541,"channel":0,"num_words":2,"start":1748.005,"end":1748.8251}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and a debt collector discuss personal and financial information with Michael, including his retirement goals and lifestyle goals. They provide income and savings, including his employer and monthly expenses, and discuss insurance coverage and retirement plans. The speaker emphasizes the importance of maintaining a growth risk profile and maintaining a gross risk profile for a growth investor portfolio. They recommend a professional partner and offer recommendations for risk profiles and fees. The speaker also emphasizes the importance of engaging with clients and performing reviews for changes."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start_word":1,"end_word":16,"intents":[{"intent":"Verify caller information","confidence_score":0.0007276005}]},{"text":"Michael, can I please ask you to confirm your full name, date of Michael birth, Cosmedes.","start_word":81,"end_word":96,"intents":[{"intent":"Confirm name and date of birth","confidence_score":0.01421305}]},{"text":"Michael, can I please ask you to confirm your full name, date of Michael birth, Cosmedes. Forty and to eleven seventy four. Five State address?","start_word":81,"end_word":105,"intents":[{"intent":"Confirm contact details","confidence_score":0.036893778}]},{"text":"I'm phoning today to complete your annual review. Do you have time for that?","start_word":112,"end_word":125,"intents":[{"intent":"Offer annual review","confidence_score":0.00022591537}]},{"text":"Can I confirm if your marital status so you we've got you listed as single? Is that correct? Correct.","start_word":274,"end_word":292,"intents":[{"intent":"Confirm marital status","confidence_score":0.14704107}]},{"text":"And still working as an electrician? Yep.","start_word":302,"end_word":308,"intents":[{"intent":"Confirm employment status","confidence_score":0.13292515}]},{"text":"I have your income down as 60. Is that correct? Roundabouts.","start_word":338,"end_word":348,"intents":[{"intent":"Estimate income","confidence_score":0.0004064664}]},{"text":"I have your income down as 60. Is that correct? Roundabouts. I've Yeah? got a small payroll since last year, I think it was. Okay.","start_word":338,"end_word":362,"intents":[{"intent":"Verify payroll","confidence_score":0.023159051}]},{"text":"You can usually tell by checking your payslip Yeah.","start_word":377,"end_word":385,"intents":[{"intent":"Check payslip","confidence_score":0.042741343}]},{"text":"Depends how much money money I've made this year. Oh, okay.","start_word":473,"end_word":483,"intents":[{"intent":"Determine financial situation","confidence_score":0.004797301}]},{"text":"And you mentioned you have some savings. Do you do you use a bank account or another investment for that?","start_word":521,"end_word":540,"intents":[{"intent":"Determine savings","confidence_score":0.041215125}]},{"text":"And do you have any significant health injuries or take any injuries or issues or take any medication?","start_word":654,"end_word":671,"intents":[{"intent":"Inquire about health and wellbeing","confidence_score":0.000008719495}]},{"text":"So with your goals and objectives, I have four listed here. I just wanted to run over them with you to see if they are still something you're working towards. Mhmm.","start_word":692,"end_word":722,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.015473915}]},{"text":"One was depending on what happens with COVID and the borders are are reopening, you'd like to travel around Europe. Is that still the case, or have you achieved that?","start_word":723,"end_word":752,"intents":[{"intent":"Inquire about travel plans","confidence_score":0.09109345}]},{"text":"And at what age? Probably 65, 70. Yep.","start_word":998,"end_word":1005,"intents":[{"intent":"Ask about retirement age","confidence_score":0.014546038}]},{"text":"And how much rent do you get from that? I guess $7.20 a week. Okay.","start_word":1394,"end_word":1408,"intents":[{"intent":"Explain rent and expenses","confidence_score":0.0017234787},{"intent":"Calculate payment amount","confidence_score":0.0007694513}]},{"text":"And how much rent do you get from that? I guess $7.20 a week. Okay. So that 1,000 expenses is your rent that you pay for where you live. I don't Is pay that any right? rent.","start_word":1394,"end_word":1430,"intents":[{"intent":"Determine payment and expenses","confidence_score":0.0000070806823}]},{"text":"Just in our review pack that I'm gonna share with you. So when you open that email, you'll need to click the button that says sign to open the documentation, but you're not signing anything at the moment. We're just gonna talk through the Right.","start_word":1577,"end_word":1621,"intents":[{"intent":"Provide review pack","confidence_score":0.04590223},{"intent":"Offer review tool","confidence_score":0.0000033583729}]},{"text":"So the first document you'll be looking at is a summary of superannuation insurance. Is that right? Yep.","start_word":1646,"end_word":1663,"intents":[{"intent":"Provide summary of insurance","confidence_score":0.057318475}]},{"text":"So that's just an overview of what we're gonna go through, the cover page as such. The next document is the performance report with Hub for the last twelve months of your portfolio. The first one you'll see at the top is the Benelon concentrated Australian equity fund. This is tagged in my notes to talk to you about. You'll save you'll see that it's performed negatively in the last twelve months.","start_word":1729,"end_word":1800,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.23541231}]},{"text":"go so overall, the performance for the last twelve months was only 3.29% of the whole entire portfolio, and that's been impacted by the Bennelong Fund, unfortunately.","start_word":2079,"end_word":2105,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.073097855}]},{"text":"They're your gross assets with the bottom two being Australian bonds and cash, being your defensive assets. So you can see those top four experience significant volatility, and that's where your growth the growth part of your portfolio sits with the bottom two providing income and growth minimal growth over the long term.","start_word":2395,"end_word":2447,"intents":[{"intent":"Monitor portfolio performance","confidence_score":0.0012213672}]},{"text":"So if you're comfortable, I would recommend maintaining your gross risk profile.","start_word":2810,"end_word":2821,"intents":[{"intent":"Recommend maintaining risk profile","confidence_score":0.11676786}]},{"text":"The next document is the ongoing service agreement. So that just outlines what our fees are. So if you wish to continue as a client of Oakview, It is calculated by a percentage, which is 1.65%, and then set at a fixed dollar fee. So for yourself, that is $3,141.46 per annum, which equates to approximately $261.80 per month, which would be funded from your super fund.","start_word":2940,"end_word":3006,"intents":[{"intent":"Provide fee explanation","confidence_score":0.0004316566},{"intent":"Suggest continuing service agreement","confidence_score":0.014340218}]},{"text":"We've changed the fee structure recently. It used to just be set at a 1.65% fee, basically. So every month, the fee would vary depending on the market balance the sorry, the balance of the super fund.","start_word":3007,"end_word":3043,"intents":[{"intent":"Confirm fee structure","confidence_score":0.019074561}]},{"text":"And then the the next form is your authority for a tax for the us to hold your tax file number.","start_word":3120,"end_word":3140,"intents":[{"intent":"Provide tax information","confidence_score":0.002396697}]},{"text":"So if you are interested in establishing a will and a power of attorney, which I do strongly recommend, I can send you a brochure of a professional partner of ours that does do it for a very reasonable cost, and they can do it virtually over the phone with you and through Teams meetings or whatever method you need.","start_word":3364,"end_word":3423,"intents":[{"intent":"Request brochure","confidence_score":0.024139564}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Jenna from Oakview Financial.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.043804965913295746},{"text":"Thanks, Jenna.","start_word":21,"end_word":22,"sentiment":"positive","sentiment_score":0.4178032875061035},{"text":"Please stay on the line. Hello? Hi, Michael. It's Jenny here from Oakview Financial. How are you Hi, today? Jenna. How are you?","start_word":23,"end_word":45,"sentiment":"neutral","sentiment_score":0.16098298132419586},{"text":"I'm good. Thank you.","start_word":46,"end_word":49,"sentiment":"positive","sentiment_score":0.5238485336303711},{"text":"Just before I go any further, though, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Of course. Thank you. Michael, can I please ask you to confirm your full name, date of Michael birth, Cosmedes. Forty and to eleven seventy four. Five State address? Road Street.","start_word":50,"end_word":107,"sentiment":"neutral","sentiment_score":0.03766580671072006},{"text":"Thank you very much.","start_word":108,"end_word":111,"sentiment":"positive","sentiment_score":0.34609684348106384},{"text":"I'm phoning today to complete your annual review. Do you have time for that? Oh, and I'm so sorry for rescheduling Sure. on No. That's Thursday. fine. That's fine. I had had a last minute medical appointment that I need Yeah. to make. Look. That's not not a problem. Don't worry So about thank that. you. That's good. Oh, okay. So, Michael, has much changed for you or anything significant since you last None. had a review with Oak Nothing's Oakview? changed. No? No? Okay. What I would like to do, if that's okay, is we go I'm gonna run through the information that we hold on file for you to make sure it's current and relevant. And then I'm going to send you an email with a review pack in it Yep. that will have a some documentation we'll walk through if you have access to your emails. Yep. Sure. Okay. Fantastic. Well, just to start with, I'll just run through. Can I confirm if your marital status so you we've got you listed as single? Is that correct? Correct. Nothing is saying. I nothing? Okay. Okay. That's alright. And still working as an electrician? Yep. Yep. Who's your employer? Energy Electrical. Energex Energy. Energy. Yep. Yes. Okay. And I've got you noted as full time. Is that thirty eight hours a week? Correct. Okay. I have your income down as 60. Is that correct? Roundabouts. I've Yeah? got a small payroll since last year, I think it was. Okay. Does that include super or plus Yeah. That's a good question. Alright. super? Okay. You can usually tell by checking your payslip Yeah. if you're if you're ever curious. Yeah. I'll Sure. leave it at 60 plus super. That makes a little bit more sense for an electrician. Yep. I have here that your expenditure is $1,000 a week. Would that be correct? Approximately. Yeah. And your savings at about a $100 No. It's a probably more than that. But week? anyway Yeah. Yeah? Okay. Do you make any additional contributions for super? No. no. Not yet. Not yet. Do you plan on what are you wanting to do so? Depends how much money money I've made this year. Oh, okay. No worries at all. Well, we can revisit that shortly. You we have your property valued at 600,000 with no debt. Is that still correct? Correct. And you are you at 60,000 with no debt? Yep. Yeah. And you mentioned you have some savings. Do you do you use a bank account or another investment for that? Just the bank account. Yes. Do you know roughly how much you have in there? Roughly about 85,000. 80 Beautiful.","start_word":112,"end_word":560,"sentiment":"neutral","sentiment_score":0.025425564933294443},{"text":"Good favor.","start_word":561,"end_word":562,"sentiment":"positive","sentiment_score":0.38583990931510925},{"text":"Mhmm. I'm single. Alright. Nice. Yeah. I'm I've got two children and a husband, and I definitely don't have that. That's for sure. Just a couple of financial questions. Have you ever been declared bankrupt or been a part of a debt agreement? No. No.","start_word":563,"end_word":607,"sentiment":"neutral","sentiment_score":-0.038492921739816666},{"text":"That's fantastic.","start_word":608,"end_word":609,"sentiment":"positive","sentiment_score":0.34189701080322266},{"text":"I have you here as a non smoker. Is that still correct? No. I'm a smoker. I've always been a smoker. You are? Oh, Yep. okay. That's okay. Roughly, how many day how many days? How many About per twenty. day? Yep. Alright. And do you have any significant health injuries or take any injuries or issues or take any medication? Not yet. Yes. Yes. Okay. And do you have a will or power of attorney in place? No. No. Okay. Alright. So with your goals and objectives, I have four listed here. I just wanted to run over them with you to see if they are still something you're working towards. Mhmm. One was depending on what happens with COVID and the borders are are reopening, you'd like to travel around Europe. Is that still the case, or have you achieved that? I haven't traveled anywhere really since COVID. No? So but that's Is what it I something wanna achieve for sure. yeah. Yeah. You wanna travel? Do you have a time frame? Definitely. Not really. Yep. Okay. Is it during retirement or before retirement? The next five Yeah. years? No. Probably next year. Yep. Yep. Yeah. Any any place special? Greece. Europe.","start_word":610,"end_word":813,"sentiment":"neutral","sentiment_score":0.02716006985043778},{"text":"Beautiful. Okay.","start_word":814,"end_word":815,"sentiment":"positive","sentiment_score":0.4142093360424042},{"text":"The next one was you'd is in regards to your lifestyle and I think potentially your retirement. I'll just get some clarity here.","start_word":816,"end_word":838,"sentiment":"neutral","sentiment_score":0.2579748332500458},{"text":"Live your best life and travel whenever you want.","start_word":839,"end_word":847,"sentiment":"positive","sentiment_score":0.4283609390258789},{"text":"Oh, doesn't everybody? Exactly. Yeah. Now and in retirement? Sorry? Is Would that be now and in retirement? Probably a bit of both. Yeah. Yeah. Yep. Okay.","start_word":848,"end_word":874,"sentiment":"neutral","sentiment_score":-0.016633419319987297},{"text":"Beautiful.","start_word":875,"end_word":875,"sentiment":"positive","sentiment_score":0.39651036262512207},{"text":"With your superannuation, your goal was that super is your nest egg, and you're relying on this as one of your biggest assets when you retire for income, would that still be correct? Yep. And when you think of your super, what are your goals with it? Is it is it growth? Is it well, obviously, growth. But the bigger picture is is, I guess, what I'm trying to ask is at what age do you see yourself retiring and being debt free in this in the position you are, which is fantastic, what kind of income do you think you would need? I would like a thousand dollars a week, but I don't think it's gonna I'm gonna get it. Okay. And at what age? Probably 65, 70. Yep. Five. Okay. It Alright. looks looking I'm towards going 70. yeah. Okay.","start_word":876,"end_word":1017,"sentiment":"neutral","sentiment_score":0.06361421318331235},{"text":"Well, you can leave that definitely leave that with me.","start_word":1018,"end_word":1027,"sentiment":"positive","sentiment_score":0.46630972623825073},{"text":"So with your house, I just wonder, will you be at retirement? Would you keep your house? Would you look to downsize? What are your thoughts there?","start_word":1028,"end_word":1054,"sentiment":"neutral","sentiment_score":0.09545675665140152},{"text":"I have no idea.","start_word":1055,"end_word":1058,"sentiment":"negative","sentiment_score":-0.4027438163757324},{"text":"No? See if our Okay. heads Yeah. Yep. yeah. Okay. Okay. And then your last goal was if you want if it if I was to pass, you would like your family to be protected against any outstanding debt you may have. Well, you don't have any debt that I noted. Anything is there in that would be in relation to your insurance your insurances, which would be life and TPD, which you don't have any. You just have income protection. Is that still relevant, that particular goal? Well, obviously, I don't have any debt. So Yep. no. Really? So it's yep. So would it be more just ensuring that your income's protected if you're unable Correct. to work? Yep. Yeah. Okay. I'll just update that one. Any other goals that you can think of that you're working towards, whether they be financial or lifestyle? No. Just what we custom Yep. Okay. holiday. Okay. What I'm gonna do is just run a quick calculation just to make sure that we actually have your income down correctly. Yeah. I might get you to check your income. You said you got a little bit of a pay rise. When you have some time, you don't have to do it now. You can confirm to me later if you like. Just based on 60, after tax, that's about $50,000 a year. So with your expenditure at a thousand dollar a week and your savings at about a $100 a week, there's a bit of a No.","start_word":1059,"end_word":1311,"sentiment":"neutral","sentiment_score":0.04768771678209305},{"text":"It's not due yeah.","start_word":1312,"end_word":1315,"sentiment":"negative","sentiment_score":-0.3992285430431366},{"text":"to My 60. yeah. Yeah. Yeah. 60? And my savings Sorry. What are more my savings are more than that. yeah. So your wage must be more than 60. So you don't tax on 60? Look. I'm not I'm not a 100% You're sure not right sure? now. I've had a few That's scratches. okay. But You're absolutely the house that I own is rent the house that I own is being rented as well. Yeah.","start_word":1316,"end_word":1391,"sentiment":"neutral","sentiment_score":-0.031217727614076513},{"text":"Okay. Fantastic.","start_word":1392,"end_word":1393,"sentiment":"positive","sentiment_score":0.5444230437278748},{"text":"And how much rent do you get from that? I guess $7.20 a week. Okay. So that 1,000 expenses is your rent that you pay for where you live. I don't Is pay that any right? rent. Oh, so you live in Correct. the home as well. Oh, okay. So you rent out part of the house. Yep. Yeah. Okay.","start_word":1394,"end_word":1453,"sentiment":"neutral","sentiment_score":0.08848190307617188},{"text":"Fantastic. That makes more sense.","start_word":1454,"end_word":1458,"sentiment":"positive","sentiment_score":0.5072290301322937},{"text":"So I'm just trying to figure out the figures. So do you know how much you get in your bank account each week for your pay? Because I can work it out backwards from there if It's 1,300 you and something. like. Yep. Okay. I can work it out backwards, so don't don't worry about that. That's That's all just fine my there. that's just my my Your work. wage. Yeah. Yes. Alright. That is I can do the backward math on that, so that is absolutely fine. Do you have access to your emails at the moment? Okay. I'm just gonna send you an email, and it will come from myself and also reference Odoo sign. Right. Just in our review pack that I'm gonna share with you. So when you open that email, you'll need to click the button that says sign to open the documentation, but you're not signing anything at the moment. We're just gonna talk through the Right. Okay. that. You still there? Yeah. Yeah. Yes. I am. Okay. Yeah. Blah blah blah blah. Yep. I'll write in the email. Okay. Alright. So the first document you'll be looking at is a summary of superannuation insurance. Is that right? Yep. Okay. It's just a very brief overview. So you've got your superannuation with Hub twenty four, who's the platform, and the balance is sitting at $181,325. And your income protection is with Cal for $4,630 per month is your swim insured. Your waiting period is sixty days, and your benefit period is five years. And that premium is funded from your superannuation funds. Mhmm. Right. So that's just an overview of what we're gonna go through, the cover page as such. The next document is the performance report with Hub for the last twelve months of your portfolio. The first one you'll see at the top is the Benelon concentrated Australian equity fund. This is tagged in my notes to talk to you about. You'll save you'll see that it's performed negatively in the last twelve months. The the reason for this is not that the Australian share market, although recently has had a bit of a downturn, but has performed badly. It's more Benelong's investment mandate. So different funds, investment managers will have different mandates they follow. Benelong's is that they their aim is to undervalued companies in the Australian share market for growth opportunities. And in the last twelve months, it's been the banks and the resources that have performed in the Australian share market, which has led to the Bennelong Australian Equities Fund's mandate being unsuccessful as such. So one of the things that we're looking at with all of our clients at the moment is alternatives to the Bennelong Fund. As long as comp clients are comfortable with it, my goal is to find an alternative if it's appropriate and then make a recommendation to you to replace if you're comfortable with that. Yeah. Yep. The rest of your portfolio in regards to performance and whether when our investment committee reviews them for appropriateness and that we wish to continue maintaining them.","start_word":1459,"end_word":1979,"sentiment":"neutral","sentiment_score":0.003891269091852796},{"text":"They're all performing really well. We're happy with them. You've got some great exposure to some niche markets like cybersecurity, battery tech, and lithium, which have all performed very well in the last twelve months.","start_word":1980,"end_word":2014,"sentiment":"positive","sentiment_score":0.5249768495559692},{"text":"You've got some gold and silver exposure along with some different economy exposure as well, so through Asia and Europe and the world and US. Sorry.","start_word":2015,"end_word":2040,"sentiment":"neutral","sentiment_score":0.2739638686180115},{"text":"So you've got some great diversification in there that really does help when different sectors are not performing fantastically. You've got the others in there to bump it up and try and lift the portfolio.","start_word":2041,"end_word":2075,"sentiment":"positive","sentiment_score":0.4516691267490387},{"text":"If you Yeah. go so overall, the performance for the last twelve months was only 3.29% of the whole entire portfolio, and that's been impacted by the Bennelong Fund, unfortunately. Mhmm. Next document is the six month performance. We've included these for all of our clients within that hold the Bennelong the Bennelong investment. You'll see that the six month performance, they're starting to bounce back. It's now a positive, but we're still not comfortable maintaining that our client's exposure to that fund given the systemic underperformance that they had in the previous twelve months.","start_word":2076,"end_word":2170,"sentiment":"neutral","sentiment_score":-0.1067970246076584},{"text":"So even though it is bouncing back, we're just not comfortable with it, and we're still wishing to look at alternatives.","start_word":2171,"end_word":2191,"sentiment":"negative","sentiment_score":-0.34917351603507996},{"text":"But where it the portfolio is definitely starting to recover. So it's bouncing back up with an annualized return forecasted at about 8% 8.01%. So it is bouncing back, but we still wanna look at replacing Van Alarm if you're comfortable with that. Yep. Yep. Do Okay. do what Okay. you're saying. Any any questions about No. any of that before I go further? That's cool. Obviously, Okay. it's not it's not ideal, but No. Unfortunately what happens? yeah. It's one of the benefits of having a actively managed account is we we've got a we have a responsibility to make sure that we engage with our clients and perform reviews. And that's why these reviews are so beneficial to make sure that we're able to have these chats and and make the changes Yep. when they're needed.","start_word":2192,"end_word":2329,"sentiment":"neutral","sentiment_score":0.10200844705104828},{"text":"So it's very beneficial in that respect.","start_word":2330,"end_word":2336,"sentiment":"positive","sentiment_score":0.4236437976360321},{"text":"Yep. The next the next document is the Vanguard index chart. This is just a visual aid that I like to just talk through with clients and explain in relation to also the client's risk profile, which yours is a growth investor. So the top four shares being The US shares, Australian international, and Australian listed property. They're your gross assets with the bottom two being Australian bonds and cash, being your defensive assets. So you can see those top four experience significant volatility, and that's where your growth the growth part of your portfolio sits with the bottom two providing income and growth minimal growth over the long term. Your being a growth investor, you're invested 80 approximately 80% of your superannuation funds are invested across the top four listed above with the remaining Mhmm. 20% across the defensive assets listed below. So my job is to have a conversation with you to make sure that you're comfortable with that, you understand it. You're 51. So if you're looking at retirement at the age of 65, in a growth investor portfolio, we say that there's a minimum of six years investment time frame, and that's solely to withstand market volatility.","start_word":2337,"end_word":2537,"sentiment":"neutral","sentiment_score":0.05558833579963712},{"text":"So if there is a bad year, you have time to recover. Because in a growth portfolio, we do statistically estimate that one in every five years is a negative return.","start_word":2538,"end_word":2568,"sentiment":"negative","sentiment_score":-0.34308692812919617},{"text":"Yeah. Does that make sense? Yeah. Sure. Yeah. Now are you comfortable maintaining a growth risk profile as you have, or did you wanna look at adjusting it and reducing any of your growth exposure or changing it No. I think we'll just keep it as at it is. all? Yep. Okay. The next document What would is you your recommend? what would I recommend? Yeah. I would need to ask a few questions about your risk profile. But based on your gross risk profile, your time frame to retirement, which is fourteen years, I would I would be confident for you to maintain a gross risk profile if you wanted to. If Yes. I thought that you should take a higher level of risk, I'd need to complete a risk profile with you just to see where you sit and whether I'd be comfortable making that recommendation. But given your your time frame that you've already had exposure to gross assets and the gross risk profile and even your response to the Ben along Australian Equities Fund being down and underperforming, you didn't have a significant amount of anxiety surrounding that or concern in your voice.","start_word":2569,"end_word":2765,"sentiment":"neutral","sentiment_score":-0.04968275874853134},{"text":"It was just more what I interpret as not ideal if it was exactly your words.","start_word":2766,"end_word":2781,"sentiment":"negative","sentiment_score":-0.5510245561599731},{"text":"So I Yeah. think you understand how markets move, but it's really for me, it's important that the clients my clients can pass the sleep at night test. So if you're comfortable, I would recommend maintaining your gross risk profile. If if you wanted to take on more growth and obtain my recommendation with that, I'd need to complete a risk profile with Alright. Just leave that leave it as it is for now. you. Yeah? Okay. Yeah.","start_word":2782,"end_word":2859,"sentiment":"neutral","sentiment_score":0.11442359278981502},{"text":"That's fine.","start_word":2860,"end_word":2861,"sentiment":"positive","sentiment_score":0.35081082582473755},{"text":"The next document is your TEL certificate of insurance. So that's just showing you that your income protection is valid and enforced. The following document is our financial services guide. This document tells you who we are, who we're licensed through, the type of advice we provide, and how we provide it along with our fees. And if you're unhappy with any services, how you can go about making a complaint. There's only two more documents to go. The next document is the ongoing service agreement. So that just outlines what our fees are. So if you wish to continue as a client of Oakview, It is calculated by a percentage, which is 1.65%, and then set at a fixed dollar fee. So for yourself, that is $3,141.46 per annum, which equates to approximately $261.80 per month, which would be funded from your super fund. We've changed the fee structure recently. It used to just be set at a 1.65% fee, basically. So every month, the fee would vary depending on the market balance the sorry, the balance of the super fund. So what that meant was in times when your portfolio was doing great, we would get paid more, which isn't ideal, and it's not transparent for clients. So what we've done is we've fixed that fee for a twelve month period so that the clients have full transparency about over what fee they will be charged. Alright. So if you're happy to continue, that's one form that you will need to sign electronically for me. Yes. And then the the next form is your authority for a tax for the us to hold your tax file number. So we do presently hold your tax file number on file, and that was from when we set up your superannuation fund to ensure that you didn't get taxed as a non Australian resident. So Yeah.","start_word":2862,"end_word":3176,"sentiment":"neutral","sentiment_score":0.046596752426454},{"text":"this is just the your authority stating that you understand that we do hold it on file for you and that you're comfortable with that.","start_word":3177,"end_word":3201,"sentiment":"positive","sentiment_score":0.3476012945175171},{"text":"So those Yes. last two forms are the ones No that need signing should you wish to continue with us. problem. Okay. Do you have any big questions for me? No. Not really. No. I've got here just your beneficiaries for your superannuation being Elizabeth and Theo. Yep. How old are they? That's a good question. My Are brother is they? three Yep. years older than me, and my sister is six years older than me. Okay. That's alright. I just wanted to flag that the that as they're not financial dependence under the superannuation law, they will pay upon your passing, which we'll refer to as yesterday because we know that that did not happen. Any funds payable to them will be payable at 17%. The government will take 17% tax. Yes. If if you have a will and you establish a will, it's still gonna be taxed, but it will be taxed at 15% instead. So less the 2% Medicare. So if you are interested in establishing a will and a power of attorney, which I do strongly recommend, I can send you a brochure of a professional partner of ours that does do it for a very reasonable cost, and they can do it virtually over the phone with you and through Teams meetings or whatever method you need. Because a a power of attorney is a very powerful document that allows someone to make decisions on your behalf if you are unable to. So whereas the will will decide where your estate goes in line with your wishes. So they're they're very important documents, and I would recommend definitely at least investigating them to have them established. Yeah. I'll I'll figure that out. Yeah? Okay. That's right. Would you like me to send you the brochure so you Yeah. have it to have a read? Sure. Okay. Do you have any other questions for me, Michael? No. It's all good. No? Okay. So would it be okay if I reach out to you in about a week and a half, two weeks to set up another time just to run through that those portfolio changes that I talked to you about? Sure. Yeah. Just to change that, Bennelong fund if I can find a better alternative for you. Yep.","start_word":3202,"end_word":3584,"sentiment":"neutral","sentiment_score":0.03188757277422101},{"text":"Cool. Fantastic. Alright. Thank you so much for your time, Michael. I really appreciate Okay. it. Thank you. Have a lovely evening. You too. Bye.","start_word":3585,"end_word":3609,"sentiment":"positive","sentiment_score":0.6964150667190552},{"text":"Okay. Bye.","start_word":3610,"end_word":3611,"sentiment":"neutral","sentiment_score":0.1997223198413849}],"average":{"sentiment":"neutral","sentiment_score":0.04446684573704015}}}}