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I'm not sure what happened. I tried to call through, and it kinda went straight to voice message. I thought best to reach you via text. So thank you. Yeah. Yeah. No. That's fair. No worries at all. No. I worked it out alright. But what threw me was a lot of people with iPhones these days have this call filtering where you're supposed to state, like, who you are and it tries to call through a second time. And I thought that was it, but it didn't say anything. It is. The whole world's going weird, but everyone's just trying to avoid spam and telemarketers, mate, so I don't blame them. Absolutely. Yep. Now just before I pop that email through to you, I just need to quickly confirm that you're okay for these calls to be recorded. Yep. And I'll just do the quick usual security check. So I'm registered with Asik as adviser 1273105. Mate, could you just confirm your date of birth and address, please? Fantastic. O81O, Northern Territory. Fantastic. That's okay. O's and zeros work for me. That's perfect. Mate, when this comes through, it's through our new Odoo system, which is kind of custom built for us. It may go through to your spam box, but it should be pretty instant to your main box. If you can just let me know if that's popped up in there. Yep. Now do you want me to update email address for next time? Or Now there should be PDF attachments at the bottom, kinda like normal email attachments, but there's also a link to the digital authorization. Would you mind just quickly going to those bottom attachments for a second for me? So no. That one's just a PDF document for your Netwealth. Just they update product information all the time. I'm just wondering if you can see SOA appendix. Should be dated at the start, like 2020 six. Yep. And it should have a sort of forest mountain view picture on it. Fantastic. One of them is a forest. One of them is a Gold Coast beachfront. So I just wanna make sure we got the right document open, but it is that forest one. Fantastic. So in the statement of advice, I'm gonna quickly just recap the details in there with you when we go through it with, like, the scope of the advice, what the recommendations were, and why. Basically, you were doing a conversation and a review with Kyle, and we had flagged one of your investment options was having a bit of a rough time. So we were just looking for a bit of a replacement for that option and, like, a little bit of a rebalance of your portfolio. Does that ring a bell? Cool. And I think scope wise, we were just waiting for a few months on your insurances just to have another catch up maybe when there's an anniversary and maybe reviewing the master bit of time, but the most important thing was just getting the super bit of an engine churn. Now the reason why I wanted you to grab the appendix open first is if you go through about three, four pages, you'll see a table there with a whole bunch of blue links to all the different investment options. So yep. That's the one. So that's all of the different investment option PDFs if you ever want a bit of light reading over weekend for about 7,000 pages of fund objectives and what they think they're good at and all the rest of it. Cut, delete. Perfect. Now just go down one more for me. There's a bit of a like for like comparison table. Now the reason why I've included a secondary table is because I just wanted to show you there's a bit of a comparison between just replacing the one option versus doing the full rebalance. So I just wanna make you aware of both. Yeah. Correct. So when we just do the straight up replacement, because Benelong is an active fund, it has pretty similar fees to the Alfiniti option that Carl and I are recommending to switch it out with. And there's a slight savings in fees, but realistically, there's a huge performance difference. And when that's a portion of your portfolio, it pretty much impacts your five year average by about 1.3%, which compounds pretty big over five, ten years, but it it's like a 30% swing. It's pretty crazy. I'll show you inside the document, but that's just for the one option being replaced. Now I haven't checked it today. That's when we put the document together. It is bouncing around a lot. I actually will grab up your Netwealth in a second too, but they just do the old two factor authentication. Now would you mind pulling up that statement of advice document for me, the beachfront city attachment? And it should be a little bit of a Gold Coast thing going on there. Beautiful, isn't it? Matches the weather perfectly. Alrighty. No. We're on Southport. Southport and the Gold Coast. Yeah. If you have a flip through there oh, you used to live there or work there? I did too. I don't live there currently, but I think it would have been thirteen years ago I last lived in Southport. 30. Jeez. What was it like thirty years ago? I can't can't imagine. Yep. Like, Kerbera or Yep. Kerbera, Kerbera. Kerbera. No. Okay. No. It's I think at the very least, it's built up a few extra buildings. Cool. If you swing through pages three, four, and five, you'll just see that scope of advice repeated there about the superannuation goals being the main focus. We did include just the usual reminders, estate planning, just to get a will and power of attorney in place because I don't believe you've got that sorted yet. Yep. And I think there was a mention that you had, like, maybe an old will that was before the kids were born. Okay. Cool. Cool. And outside of that, again, insurances were out of scope. We weren't doing an insurance review just yet. And your other main main focus is cash flow, debt management, and investment. You're obviously just focusing on the business, the family, paying down the debts, of course, and building up a bit of equity for some investing. Cool. And I think there was a bit of a mention that we may revisit some investment ideas later, whether it's investing for the kids or personal investment or property, and just go through maybe at the next review or the year after some potential ideas and structures for you. Did that ring a bell? Like, commercial property? Yeah. The auto shed for the old business is a pretty good idea. I've done a few fancy funny little SMSF ideas, self managed super funds for people trying to get on-site property management. I've had a guy do a theme park, live in and work on the theme park. That was pretty fun. All kinds of things you can do. Yeah. Yep. Okay. So I've got a few notes there, and we'll keep that on file for the next chats. Can you have a swing through pages seven and eight? I just wanna see if there's been any significant changes in the details we captured. I think we had just in the about you section, assets and liabilities. You're a maintenance man, self employed on about a $100 with two kids. Yep. Do you want me to capture your email address now? I can just put it on file. So AndyMannnt@Gmail.com? And that's obviously n for Nelly, like n Northern Territory? Alright. Got that. We've got the private cars. Yep. Sensational. Alright. So if you swing down through, you've got your Netwealth, your Neos insurance policy, which we're gonna keep an eye on that one as well, especially with price increases coming down the line. And we've got you on page 10 of the high growth investors. So, again, trying to get the high long term returns. And, of course, reduce risk when you get closer to retirement, which isn't too terribly far away, but you've still got a couple of it comes around quick, but couple of cycles of growth left, and then we can start slowing things down as you approach the endpoint. That way we don't lose it all at 64. That'd be nice. Now the main thing too so when it comes to that strategy recommendation, there's a huge wall of text on page 12 under a strategy recommendation heading. Basically, the three things are we looked at some alternative super funds, And while we did find a couple that were slightly more affordable, we're not recommending switching funds because the capital gains tax that you have to pay inside your super to switch it was coming close to $5 for a very minimal, you know, save $70 a year in fees. So that wasn't really gonna be a point. We did recommend that switch of the Benelong option through Alfiniti, which again, similar fees, much better performance. I'll show you in a second. Like for like, they're both actively managed. Alfiniti is just a little bit more broad. They're not concentrated like your Benelon option was in terms of a few shares versus a lot of shares. The rebalancing, do you remember why we do a portfolio rebalance? So if you've got, let's say, eight investment options and one of them is in Australian shares, one's in American, and let's say one of them is in property, one of them is in gold, what tends to happen is they all perform differently. Some of them shoot up, some of them shoot down. And let's say we originally said you should put 10% of your money into all four of those, but now one of them is fifteen and one of them is five. The whole idea of, like, buy low, sell high is we need to kind of bring your weightings back to the middle point. So it's again, I guess the buzzword is diversification, if that makes sense. So the idea is you've got a lot being skewed by the big price rise in gold and things like that. We can chase returns and just keep pumping all of your contributions into just those options. But at some point, we really do just need to bring everything back to a nice spread so that you're not getting really, really weighted into one option and then it crashes and you're missing out on a buying opportunity with the other options. Does that make sense? Cool. Now if you go to the next page, there's a table there just basically talking about the pros and cons of those three things, which pretty much outlined already. Couple of warnings on the page afterwards. Of course, we can't control the weather, and we have factored in some capital gains tax from any switches that we do. But the main thing there is on page fifteen and sixteen. There's another lovely blue table there for you with quite a few numbers on it. So these are all of your different investments. And what it's basically saying is if you can make out the figures, on the second third of it, there's a column called target waiting, and you can see all the percentages underneath that are, like, kind of nice round figures. Hang on. Cool. So there's a column on the left, current waiting, column on the right, target waiting. And, basically, what you can see is that's where all your money is kind of sitting with all the growth and drops and things like that. And then if we do those buys and sells in the black and red, it brings you back to those nice round figures on the right. Now what that really means is if you look at, I think, the top one, battery tech and lithium, quite overweight there at 8% just in one type of share, and your option's getting wiped out to zero because that's being switched out. But about bottom third of that table, you can see your gold option was jumped all the way up to 12% of your overall super. We normally keep it at around about seven. Yeah. And it's one of those things where it jumped up like a 100 and something percent in twelve months, which is amazing. But, again, those things always have a bit of a pullback, and it already has. But we can't just keep, like, riding the wave and chasing returns, if that makes sense. So what it basically does, the last two things I wanna show you is just on pages seventeen and eighteen, you'll see a colored pie chart for your asset allocation. And what ended up happening was you had a huge overweighting in things like alternative assets, very little in Australian shares. And while we do favor international shares usually, we just wanna kind of bring it back to the baseline, which is that kind of thirty, fifty five, that kind of thing. Still around about that ninety three, ninety two percent growth assets because you're high growth. Now last page, that's the actual comparison of the reweight. Now that factors in $711 of superannuation capital gains tax and all the different reweights and everything. It basically looks like it comes out to the same outcome because the Benelong switch is much better performing option. But if we sell off a little bit of your battery tech, electric vehicles, and gold options, it looks it makes the past performance look a little bit worse, if that makes sense. So the whole idea behind the rebalance is forward looking. We're trying to get things ready for what could grow going forward, not looking in the rearview mirror trying to chase all the returns. So it looks like it's basically a 12 versus 12% average return whether you kept it the same or we rebalanced it. That's why I wanted to kind of point out those two tables. Just below it, you've got your been long option in terms of fees and your affinity, and the next page has at the bottom of the next page, it's got performance difference. Can you see, like, a very light blue table at the bottom of page 19? So the three things, if you can make it out, the Benelon option had a huge drop of about 21% in the last twelve months, and it's been negative for three and five years because of that drop. It's pulled it all the way down. Now that replacement option we've got there, it's got ten, ten, and 8.6 over one, three, and five years, which is like a 30% swing, which is huge. But underneath it, you can see the Aussie share market benchmark, which it's been outperforming for all those time periods. So, basically, that's the point of having an active fund is you pay a little bit higher investment fees. It's supposed to outperform the market, which it needs to do consistently. Otherwise, there's no point. And if the market's going up and your option in that space is going down, that's a red flag to replace it. Now there's usually a small performance difference between different options that are similar, but you don't want it to be that big of a swing. So does all that make sense? And I've just thrown a bunch of sort of technical jargon at you, but the reasons of why we're doing what we're doing, does it make sense to you? Nice. Any questions so far or anything that kind of isn't clicking? Yep. Sensational. Easy done. The rest of the document pretty much just lists all of the estate planning, wills, power of attorneys, all that kind of thing. It's got the adviser fees at the bottom, the NEOS commissions, all that kind of thing. As far as steps to implement, basically, once you're happy with the plan, if you give that a sign, we can pretty much just log on to Netwealth and send some investment switch orders in to some buyers and sales. There's no other forms or anything. It's basically just the consent on the advice document. Cool. So you're okay if I kind of leave that with you to have a bit of a read and and let us know if you have any questions? Cool. Mate, there was a bit of a note there around just with the Neos insurances. Were you wanting me to book you in for another catch up after the end of financial year, or did you wanna wait till the next annual review around Christmas time? What would be your preference on contact? Yep. Because I'm having a quick squeeze at your review documents there, and you need to make sure yeah. You gotta keep an eye on those premiums as well because the moment you start getting close to 50 and above, that insurance policy is gonna start getting very close to $10,000 very quickly. So keeping a lid on fees is another thing as well. Cool. Do you have any questions for me before I let you go, sir? Cool. Again, any questions at all, just call, text, email, whatever you need. If we don't hear from you in, you know, like, a week or so, I'll just get the team to give you a buzz for a bit of a follow-up. And thank you for your time today. Sensational. Well, you enjoy that, mate, and I shall talk to you soon. Thanks, Andrew. I'll see you later. 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Tommy here, one of the senior advisers. Mate, thank you so much for calling back in. Mate, I'm Fantastic. I've got a bit of an updated advice document for you. Yeah.\n\nI'm not sure what happened. I tried to call through, and it kinda went straight to voice message. I thought best to reach you via text. So thank you. Yeah.\n\nYeah. No. That's fair. No worries at all. No.\n\nI worked it out alright. But what threw me was a lot of people with iPhones these days have this call filtering where you're supposed to state, like, who you are and it tries to call through a second time. And I thought that was it, but it didn't say anything. It is. The whole world's going weird, but everyone's just trying to avoid spam and telemarketers, mate, so I don't blame them.\n\nAbsolutely. Yep. Now just before I pop that email through to you, I just need to quickly confirm that you're okay for these calls to be recorded. Yep. And I'll just do the quick usual security check.\n\nSo I'm registered with Asik as adviser 1273105. Mate, could you just confirm your date of birth and address, please? Fantastic. O81O, Northern Territory. Fantastic.\n\nThat's okay. O's and zeros work for me. That's perfect. Mate, when this comes through, it's through our new Odoo system, which is kind of custom built for us. It may go through to your spam box, but it should be pretty instant to your main box.\n\nIf you can just let me know if that's popped up in there. Yep. Now do you want me to update email address for next time? Or Now there should be PDF attachments at the bottom, kinda like normal email attachments, but there's also a link to the digital authorization. Would you mind just quickly going to those bottom attachments for a second for me?\n\nSo no. That one's just a PDF document for your Netwealth. Just they update product information all the time. I'm just wondering if you can see SOA appendix. Should be dated at the start, like 2020 six.\n\nYep. And it should have a sort of forest mountain view picture on it. Fantastic. One of them is a forest. One of them is a Gold Coast beachfront.\n\nSo I just wanna make sure we got the right document open, but it is that forest one. Fantastic. So in the statement of advice, I'm gonna quickly just recap the details in there with you when we go through it with, like, the scope of the advice, what the recommendations were, and why. Basically, you were doing a conversation and a review with Kyle, and we had flagged one of your investment options was having a bit of a rough time. So we were just looking for a bit of a replacement for that option and, like, a little bit of a rebalance of your portfolio.\n\nDoes that ring a bell? Cool. And I think scope wise, we were just waiting for a few months on your insurances just to have another catch up maybe when there's an anniversary and maybe reviewing the master bit of time, but the most important thing was just getting the super bit of an engine churn. Now the reason why I wanted you to grab the appendix open first is if you go through about three, four pages, you'll see a table there with a whole bunch of blue links to all the different investment options. So yep.\n\nThat's the one. So that's all of the different investment option PDFs if you ever want a bit of light reading over weekend for about 7,000 pages of fund objectives and what they think they're good at and all the rest of it. Cut, delete. Perfect. Now just go down one more for me.\n\nThere's a bit of a like for like comparison table. Now the reason why I've included a secondary table is because I just wanted to show you there's a bit of a comparison between just replacing the one option versus doing the full rebalance. So I just wanna make you aware of both. Yeah. Correct.\n\nSo when we just do the straight up replacement, because Benelong is an active fund, it has pretty similar fees to the Alfiniti option that Carl and I are recommending to switch it out with. And there's a slight savings in fees, but realistically, there's a huge performance difference. And when that's a portion of your portfolio, it pretty much impacts your five year average by about 1.3%, which compounds pretty big over five, ten years, but it it's like a 30% swing. It's pretty crazy. I'll show you inside the document, but that's just for the one option being replaced.\n\nNow I haven't checked it today. That's when we put the document together. It is bouncing around a lot. I actually will grab up your Netwealth in a second too, but they just do the old two factor authentication. Now would you mind pulling up that statement of advice document for me, the beachfront city attachment?\n\nAnd it should be a little bit of a Gold Coast thing going on there. Beautiful, isn't it? Matches the weather perfectly. Alrighty. No.\n\nWe're on Southport. Southport and the Gold Coast. Yeah. If you have a flip through there oh, you used to live there or work there? I did too.\n\nI don't live there currently, but I think it would have been thirteen years ago I last lived in Southport. 30. Jeez. What was it like thirty years ago? I can't can't imagine.\n\nYep. Like, Kerbera or Yep. Kerbera, Kerbera. Kerbera. No.\n\nOkay. No. It's I think at the very least, it's built up a few extra buildings. Cool. If you swing through pages three, four, and five, you'll just see that scope of advice repeated there about the superannuation goals being the main focus.\n\nWe did include just the usual reminders, estate planning, just to get a will and power of attorney in place because I don't believe you've got that sorted yet. Yep. And I think there was a mention that you had, like, maybe an old will that was before the kids were born. Okay. Cool.\n\nCool. And outside of that, again, insurances were out of scope. We weren't doing an insurance review just yet. And your other main main focus is cash flow, debt management, and investment. You're obviously just focusing on the business, the family, paying down the debts, of course, and building up a bit of equity for some investing.\n\nCool. And I think there was a bit of a mention that we may revisit some investment ideas later, whether it's investing for the kids or personal investment or property, and just go through maybe at the next review or the year after some potential ideas and structures for you. Did that ring a bell? Like, commercial property? Yeah.\n\nThe auto shed for the old business is a pretty good idea. I've done a few fancy funny little SMSF ideas, self managed super funds for people trying to get on-site property management. I've had a guy do a theme park, live in and work on the theme park. That was pretty fun. All kinds of things you can do.\n\nYeah. Yep. Okay. So I've got a few notes there, and we'll keep that on file for the next chats. Can you have a swing through pages seven and eight?\n\nI just wanna see if there's been any significant changes in the details we captured. I think we had just in the about you section, assets and liabilities. You're a maintenance man, self employed on about a $100 with two kids. Yep. Do you want me to capture your email address now?\n\nI can just put it on file. So AndyMannnt@Gmail.com? And that's obviously n for Nelly, like n Northern Territory? Alright. Got that.\n\nWe've got the private cars. Yep. Sensational. Alright. So if you swing down through, you've got your Netwealth, your Neos insurance policy, which we're gonna keep an eye on that one as well, especially with price increases coming down the line.\n\nAnd we've got you on page 10 of the high growth investors. So, again, trying to get the high long term returns. And, of course, reduce risk when you get closer to retirement, which isn't too terribly far away, but you've still got a couple of it comes around quick, but couple of cycles of growth left, and then we can start slowing things down as you approach the endpoint. That way we don't lose it all at 64. That'd be nice.\n\nNow the main thing too so when it comes to that strategy recommendation, there's a huge wall of text on page 12 under a strategy recommendation heading. Basically, the three things are we looked at some alternative super funds, And while we did find a couple that were slightly more affordable, we're not recommending switching funds because the capital gains tax that you have to pay inside your super to switch it was coming close to $5 for a very minimal, you know, save $70 a year in fees. So that wasn't really gonna be a point. We did recommend that switch of the Benelong option through Alfiniti, which again, similar fees, much better performance. I'll show you in a second.\n\nLike for like, they're both actively managed. Alfiniti is just a little bit more broad. They're not concentrated like your Benelon option was in terms of a few shares versus a lot of shares. The rebalancing, do you remember why we do a portfolio rebalance? So if you've got, let's say, eight investment options and one of them is in Australian shares, one's in American, and let's say one of them is in property, one of them is in gold, what tends to happen is they all perform differently.\n\nSome of them shoot up, some of them shoot down. And let's say we originally said you should put 10% of your money into all four of those, but now one of them is fifteen and one of them is five. The whole idea of, like, buy low, sell high is we need to kind of bring your weightings back to the middle point. So it's again, I guess the buzzword is diversification, if that makes sense. So the idea is you've got a lot being skewed by the big price rise in gold and things like that.\n\nWe can chase returns and just keep pumping all of your contributions into just those options. But at some point, we really do just need to bring everything back to a nice spread so that you're not getting really, really weighted into one option and then it crashes and you're missing out on a buying opportunity with the other options. Does that make sense? Cool. Now if you go to the next page, there's a table there just basically talking about the pros and cons of those three things, which pretty much outlined already.\n\nCouple of warnings on the page afterwards. Of course, we can't control the weather, and we have factored in some capital gains tax from any switches that we do. But the main thing there is on page fifteen and sixteen. There's another lovely blue table there for you with quite a few numbers on it. So these are all of your different investments.\n\nAnd what it's basically saying is if you can make out the figures, on the second third of it, there's a column called target waiting, and you can see all the percentages underneath that are, like, kind of nice round figures. Hang on. Cool. So there's a column on the left, current waiting, column on the right, target waiting. And, basically, what you can see is that's where all your money is kind of sitting with all the growth and drops and things like that.\n\nAnd then if we do those buys and sells in the black and red, it brings you back to those nice round figures on the right. Now what that really means is if you look at, I think, the top one, battery tech and lithium, quite overweight there at 8% just in one type of share, and your option's getting wiped out to zero because that's being switched out. But about bottom third of that table, you can see your gold option was jumped all the way up to 12% of your overall super. We normally keep it at around about seven. Yeah.\n\nAnd it's one of those things where it jumped up like a 100 and something percent in twelve months, which is amazing. But, again, those things always have a bit of a pullback, and it already has. But we can't just keep, like, riding the wave and chasing returns, if that makes sense. So what it basically does, the last two things I wanna show you is just on pages seventeen and eighteen, you'll see a colored pie chart for your asset allocation. And what ended up happening was you had a huge overweighting in things like alternative assets, very little in Australian shares.\n\nAnd while we do favor international shares usually, we just wanna kind of bring it back to the baseline, which is that kind of thirty, fifty five, that kind of thing. Still around about that ninety three, ninety two percent growth assets because you're high growth. Now last page, that's the actual comparison of the reweight. Now that factors in $711 of superannuation capital gains tax and all the different reweights and everything. It basically looks like it comes out to the same outcome because the Benelong switch is much better performing option.\n\nBut if we sell off a little bit of your battery tech, electric vehicles, and gold options, it looks it makes the past performance look a little bit worse, if that makes sense. So the whole idea behind the rebalance is forward looking. We're trying to get things ready for what could grow going forward, not looking in the rearview mirror trying to chase all the returns. So it looks like it's basically a 12 versus 12% average return whether you kept it the same or we rebalanced it. That's why I wanted to kind of point out those two tables.\n\nJust below it, you've got your been long option in terms of fees and your affinity, and the next page has at the bottom of the next page, it's got performance difference. Can you see, like, a very light blue table at the bottom of page 19? So the three things, if you can make it out, the Benelon option had a huge drop of about 21% in the last twelve months, and it's been negative for three and five years because of that drop. It's pulled it all the way down. Now that replacement option we've got there, it's got ten, ten, and 8.6 over one, three, and five years, which is like a 30% swing, which is huge.\n\nBut underneath it, you can see the Aussie share market benchmark, which it's been outperforming for all those time periods. So, basically, that's the point of having an active fund is you pay a little bit higher investment fees. It's supposed to outperform the market, which it needs to do consistently. Otherwise, there's no point. And if the market's going up and your option in that space is going down, that's a red flag to replace it.\n\nNow there's usually a small performance difference between different options that are similar, but you don't want it to be that big of a swing. So does all that make sense? And I've just thrown a bunch of sort of technical jargon at you, but the reasons of why we're doing what we're doing, does it make sense to you? Nice. Any questions so far or anything that kind of isn't clicking?\n\nYep. Sensational. Easy done. The rest of the document pretty much just lists all of the estate planning, wills, power of attorneys, all that kind of thing. It's got the adviser fees at the bottom, the NEOS commissions, all that kind of thing.\n\nAs far as steps to implement, basically, once you're happy with the plan, if you give that a sign, we can pretty much just log on to Netwealth and send some investment switch orders in to some buyers and sales. There's no other forms or anything. It's basically just the consent on the advice document. Cool. So you're okay if I kind of leave that with you to have a bit of a read and and let us know if you have any questions?\n\nCool. Mate, there was a bit of a note there around just with the Neos insurances. Were you wanting me to book you in for another catch up after the end of financial year, or did you wanna wait till the next annual review around Christmas time? What would be your preference on contact? Yep.\n\nBecause I'm having a quick squeeze at your review documents there, and you need to make sure yeah. You gotta keep an eye on those premiums as well because the moment you start getting close to 50 and above, that insurance policy is gonna start getting very close to $10,000 very quickly. So keeping a lid on fees is another thing as well. Cool. Do you have any questions for me before I let you go, sir?\n\nCool. Again, any questions at all, just call, text, email, whatever you need. If we don't hear from you in, you know, like, a week or so, I'll just get the team to give you a buzz for a bit of a follow-up. And thank you for your time today. Sensational.\n\nWell, you enjoy that, mate, and I shall talk to you soon. Thanks, Andrew. I'll see you later. Bye.","paragraphs":[{"sentences":[{"text":"Andrew, Tommy here, one of the senior advisers.","start":0.0,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.06049489649012685},{"text":"Mate, thank you so much for calling back in.","start":3.6799998,"end":5.54,"sentiment":"positive","sentiment_score":0.5495731929937998},{"text":"Mate, I'm Fantastic.","start":7.9199996,"end":9.46,"sentiment":"positive","sentiment_score":0.584098885456721},{"text":"I've got a bit of an updated advice document for you.","start":9.679999,"end":12.66,"sentiment":"positive","sentiment_score":0.5956500443545255},{"text":"Yeah.","start":12.799999,"end":12.96,"sentiment":"neutral","sentiment_score":0.02073517255485058}],"sentiment":"positive","sentiment_score":0.4298531320528127,"num_words":32,"start":0.0,"end":12.96},{"sentences":[{"text":"I'm not sure what happened.","start":12.96,"end":13.84,"sentiment":"neutral","sentiment_score":-0.14359356909990312},{"text":"I tried to call through, and it kinda went straight to voice message.","start":13.84,"end":16.335,"sentiment":"neutral","sentiment_score":-0.15084925752419692},{"text":"I thought best to reach you via text.","start":16.335,"end":18.175,"sentiment":"neutral","sentiment_score":-0.05784120783209801},{"text":"So thank you.","start":18.175,"end":18.994999,"sentiment":"neutral","sentiment_score":0.20724737644195557},{"text":"Yeah.","start":35.07,"end":35.57,"sentiment":"neutral","sentiment_score":-0.054774172604084015}],"sentiment":"neutral","sentiment_score":-0.08582566330830256,"num_words":30,"start":12.96,"end":35.57},{"sentences":[{"text":"Yeah.","start":43.085,"end":43.585,"sentiment":"neutral","sentiment_score":-0.028182482346892357},{"text":"No.","start":44.364998,"end":44.524998,"sentiment":"neutral","sentiment_score":-0.1032957136631012},{"text":"That's fair.","start":44.524998,"end":45.425,"sentiment":"neutral","sentiment_score":-0.17089717835187912},{"text":"No worries at all.","start":50.684998,"end":51.565,"sentiment":"neutral","sentiment_score":-0.02086384128779173},{"text":"No.","start":51.565,"end":51.725,"sentiment":"neutral","sentiment_score":-0.0658220648765564}],"sentiment":"neutral","sentiment_score":-0.06917222030460835,"num_words":9,"start":43.085,"end":51.725},{"sentences":[{"text":"I worked it out alright.","start":51.725,"end":52.864998,"sentiment":"neutral","sentiment_score":-0.060496604442596434},{"text":"But what threw me was a lot of people with iPhones these days have this call filtering where you're supposed to state, like, who you are and it tries to call through a second time.","start":53.0,"end":61.82,"sentiment":"neutral","sentiment_score":-0.26959413353885925},{"text":"And I thought that was it, but it didn't say anything.","start":62.12,"end":64.78,"sentiment":"neutral","sentiment_score":-0.21901690011674707},{"text":"It is.","start":68.935,"end":69.655,"sentiment":"neutral","sentiment_score":-0.23037372529506683},{"text":"The whole world's going weird, but everyone's just trying to avoid spam and telemarketers, mate, so I don't blame them.","start":69.655,"end":74.475,"sentiment":"neutral","sentiment_score":-0.24216305688023568}],"sentiment":"neutral","sentiment_score":-0.23906126281578247,"num_words":73,"start":51.725,"end":74.475},{"sentences":[{"text":"Absolutely.","start":79.35,"end":79.85,"sentiment":"neutral","sentiment_score":0.056777991354465485},{"text":"Yep.","start":88.549995,"end":88.869995,"sentiment":"neutral","sentiment_score":0.04686509817838669},{"text":"Now just before I pop that email through to you, I just need to quickly confirm that you're okay for these calls to be recorded.","start":88.869995,"end":94.534996,"sentiment":"neutral","sentiment_score":0.07748960316181183},{"text":"Yep.","start":96.515,"end":96.835,"sentiment":"neutral","sentiment_score":0.09078776091337204},{"text":"And I'll just do the quick usual security check.","start":96.835,"end":99.634995,"sentiment":"neutral","sentiment_score":0.09406091562575764}],"sentiment":"neutral","sentiment_score":0.08049241000333347,"num_words":37,"start":79.35,"end":99.634995},{"sentences":[{"text":"So I'm registered with Asik as adviser 1273105.","start":99.634995,"end":105.03,"sentiment":"neutral","sentiment_score":0.0793541232123971},{"text":"Mate, could you just confirm your date of birth and address, please?","start":105.03,"end":107.77,"sentiment":"neutral","sentiment_score":0.03038205369375646},{"text":"Fantastic.","start":113.27,"end":113.77,"sentiment":"positive","sentiment_score":0.4403880834579468},{"text":"O81O, Northern Territory.","start":116.725006,"end":118.90501,"sentiment":"neutral","sentiment_score":0.08685816576083501},{"text":"Fantastic.","start":118.965004,"end":119.465004,"sentiment":"positive","sentiment_score":0.4622470140457154}],"sentiment":"neutral","sentiment_score":0.08650508899241686,"num_words":25,"start":99.634995,"end":119.465004},{"sentences":[{"text":"That's okay.","start":122.485,"end":123.045006,"sentiment":"neutral","sentiment_score":0.28137198090553284},{"text":"O's and zeros work for me.","start":123.045006,"end":124.40501,"sentiment":"neutral","sentiment_score":0.31184715032577515},{"text":"That's perfect.","start":124.40501,"end":125.145004,"sentiment":"positive","sentiment_score":0.7650431096553802},{"text":"Mate, when this comes through, it's through our new Odoo system, which is kind of custom built for us.","start":125.365005,"end":130.005,"sentiment":"neutral","sentiment_score":0.1523851469943398},{"text":"It may go through to your spam box, but it should be pretty instant to your main box.","start":130.005,"end":134.09001,"sentiment":"neutral","sentiment_score":0.11755046310524146}],"sentiment":"neutral","sentiment_score":0.19096040876304848,"num_words":47,"start":122.485,"end":134.09001},{"sentences":[{"text":"If you can just let me know if that's popped up in there.","start":134.09001,"end":136.59001,"sentiment":"neutral","sentiment_score":0.06624983279750897},{"text":"Yep.","start":143.05,"end":143.29001,"sentiment":"neutral","sentiment_score":0.03865434974431992},{"text":"Now do you want me to update email address for next time?","start":143.29001,"end":146.33,"sentiment":"neutral","sentiment_score":0.0022594757998983064},{"text":"Or Now there should be PDF attachments at the bottom, kinda like normal email attachments, but there's also a link to the digital authorization.","start":146.33,"end":167.33,"sentiment":"neutral","sentiment_score":0.016352364502381533},{"text":"Would you mind just quickly going to those bottom attachments for a second for me?","start":168.03,"end":171.495,"sentiment":"neutral","sentiment_score":0.01680034560461839}],"sentiment":"neutral","sentiment_score":0.024176581812879214,"num_words":65,"start":134.09001,"end":171.495},{"sentences":[{"text":"So no.","start":174.61499,"end":175.655,"sentiment":"neutral","sentiment_score":-0.02547318395227194},{"text":"That one's just a PDF document for your Netwealth.","start":175.655,"end":178.235,"sentiment":"neutral","sentiment_score":-0.010086064847807089},{"text":"Just they update product information all the time.","start":178.775,"end":181.435,"sentiment":"neutral","sentiment_score":0.008785632904618979},{"text":"I'm just wondering if you can see SOA appendix.","start":181.495,"end":184.235,"sentiment":"neutral","sentiment_score":-0.009763965176211463},{"text":"Should be dated at the start, like 2020 six.","start":189.47,"end":192.69,"sentiment":"neutral","sentiment_score":0.0006099424531890287}],"sentiment":"neutral","sentiment_score":-0.0041573538595961555,"num_words":37,"start":174.61499,"end":192.69},{"sentences":[{"text":"Yep.","start":193.23,"end":193.70999,"sentiment":"neutral","sentiment_score":0.04932573065161705},{"text":"And it should have a sort of forest mountain view picture on it.","start":193.70999,"end":197.685,"sentiment":"neutral","sentiment_score":0.055463106013261355},{"text":"Fantastic.","start":204.805,"end":205.285,"sentiment":"positive","sentiment_score":0.35524502396583557},{"text":"One of them is a forest.","start":205.285,"end":206.245,"sentiment":"neutral","sentiment_score":0.1585083119571209},{"text":"One of them is a Gold Coast beachfront.","start":206.245,"end":207.685,"sentiment":"neutral","sentiment_score":0.12224298622459173}],"sentiment":"neutral","sentiment_score":0.10533051359756239,"num_words":29,"start":193.23,"end":207.685},{"sentences":[{"text":"So I just wanna make sure we got the right document open, but it is that forest one.","start":207.685,"end":211.77,"sentiment":"neutral","sentiment_score":0.07101100641820166},{"text":"Fantastic.","start":214.33,"end":214.83,"sentiment":"positive","sentiment_score":0.4205952882766723},{"text":"So in the statement of advice, I'm gonna quickly just recap the details in there with you when we go through it with, like, the scope of the advice, what the recommendations were, and why.","start":214.97,"end":224.51001,"sentiment":"neutral","sentiment_score":0.15416581758431025},{"text":"Basically, you were doing a conversation and a review with Kyle, and we had flagged one of your investment options was having a bit of a rough time.","start":224.935,"end":233.575,"sentiment":"neutral","sentiment_score":-0.08246745385362633},{"text":"So we were just looking for a bit of a replacement for that option and, like, a little bit of a rebalance of your portfolio.","start":233.575,"end":239.435,"sentiment":"neutral","sentiment_score":-0.10479909747838974}],"sentiment":"neutral","sentiment_score":0.020238606302746546,"num_words":107,"start":207.685,"end":239.435},{"sentences":[{"text":"Does that ring a bell?","start":239.49501,"end":240.42,"sentiment":"neutral","sentiment_score":-0.018653424642980098},{"text":"Cool.","start":242.34,"end":242.66,"sentiment":"positive","sentiment_score":0.3677541315555573},{"text":"And I think scope wise, we were just waiting for a few months on your insurances just to have another catch up maybe when there's an anniversary and maybe reviewing the master bit of time, but the most important thing was just getting the super bit of an engine churn.","start":242.66,"end":255.135,"sentiment":"neutral","sentiment_score":-0.015010306388139725},{"text":"Now the reason why I wanted you to grab the appendix open first is if you go through about three, four pages, you'll see a table there with a whole bunch of blue links to all the different investment options.","start":257.695,"end":270.11002,"sentiment":"neutral","sentiment_score":0.11536435293965042},{"text":"So yep.","start":272.41003,"end":275.69,"sentiment":"neutral","sentiment_score":0.06860829144716263}],"sentiment":"neutral","sentiment_score":0.04363022846340829,"num_words":98,"start":239.49501,"end":275.69},{"sentences":[{"text":"That's the one.","start":275.69,"end":276.65002,"sentiment":"neutral","sentiment_score":0.14616518219312033},{"text":"So that's all of the different investment option PDFs if you ever want a bit of light reading over weekend for about 7,000 pages of fund objectives and what they think they're good at and all the rest of it.","start":276.65002,"end":287.54498,"sentiment":"neutral","sentiment_score":0.16787449400871993},{"text":"Cut, delete.","start":290.485,"end":291.125,"sentiment":"neutral","sentiment_score":0.08133430033922195},{"text":"Perfect.","start":291.125,"end":291.625,"sentiment":"positive","sentiment_score":0.42243492603302},{"text":"Now just go down one more for me.","start":291.845,"end":293.685,"sentiment":"neutral","sentiment_score":0.15053257625550032}],"sentiment":"neutral","sentiment_score":0.16560813784599304,"num_words":54,"start":275.69,"end":293.685},{"sentences":[{"text":"There's a bit of a like for like comparison table.","start":293.685,"end":296.1,"sentiment":"neutral","sentiment_score":0.041625547036528585},{"text":"Now the reason why I've included a secondary table is because I just wanted to show you there's a bit of a comparison between just replacing the one option versus doing the full rebalance.","start":298.02002,"end":307.88,"sentiment":"neutral","sentiment_score":0.026428262538769665},{"text":"So I just wanna make you aware of both.","start":307.94,"end":309.96,"sentiment":"neutral","sentiment_score":0.022419666250546772},{"text":"Yeah.","start":319.265,"end":319.765,"sentiment":"neutral","sentiment_score":0.03225278854370117},{"text":"Correct.","start":322.56,"end":323.06,"sentiment":"neutral","sentiment_score":0.14734168350696564}],"sentiment":"neutral","sentiment_score":0.030839779363437132,"num_words":55,"start":293.685,"end":323.06},{"sentences":[{"text":"So when we just do the straight up replacement, because Benelong is an active fund, it has pretty similar fees to the Alfiniti option that Carl and I are recommending to switch it out with.","start":323.36,"end":335.13998,"sentiment":"neutral","sentiment_score":0.048394418401377544},{"text":"And there's a slight savings in fees, but realistically, there's a huge performance difference.","start":335.36,"end":341.035,"sentiment":"neutral","sentiment_score":0.052340151043608785},{"text":"And when that's a portion of your portfolio, it pretty much impacts your five year average by about 1.3%, which compounds pretty big over five, ten years, but it it's like a 30% swing.","start":341.495,"end":356.40997,"sentiment":"neutral","sentiment_score":-0.009412549326525015},{"text":"It's pretty crazy.","start":356.40997,"end":357.21,"sentiment":"neutral","sentiment_score":-0.03918858182926973},{"text":"I'll show you inside the document, but that's just for the one option being replaced.","start":357.21,"end":361.62997,"sentiment":"neutral","sentiment_score":0.006492955874030789}],"sentiment":"neutral","sentiment_score":0.02065711558593603,"num_words":101,"start":323.36,"end":361.62997},{"sentences":[{"text":"Now I haven't checked it today.","start":364.205,"end":368.845,"sentiment":"neutral","sentiment_score":-0.008194000770648321},{"text":"That's when we put the document together.","start":368.845,"end":370.60498,"sentiment":"neutral","sentiment_score":0.04230259678193501},{"text":"It is bouncing around a lot.","start":370.60498,"end":372.705,"sentiment":"neutral","sentiment_score":0.10071731048325698},{"text":"I actually will grab up your Netwealth in a second too, but they just do the old two factor authentication.","start":374.94,"end":379.52002,"sentiment":"neutral","sentiment_score":0.08718212246894837},{"text":"Now would you mind pulling up that statement of advice document for me, the beachfront city attachment?","start":380.22,"end":386.40002,"sentiment":"neutral","sentiment_score":0.049026943304959464}],"sentiment":"neutral","sentiment_score":0.06122068788057992,"num_words":56,"start":364.205,"end":386.40002},{"sentences":[{"text":"And it should be a little bit of a Gold Coast thing going on there.","start":390.835,"end":393.73502,"sentiment":"neutral","sentiment_score":0.07227087989449502},{"text":"Beautiful, isn't it?","start":398.435,"end":399.45,"sentiment":"positive","sentiment_score":0.37707458933194477},{"text":"Matches the weather perfectly.","start":400.25,"end":401.47,"sentiment":"neutral","sentiment_score":0.2960777096450329},{"text":"Alrighty.","start":404.57,"end":405.07,"sentiment":"neutral","sentiment_score":0.042932845652103424},{"text":"No.","start":407.85,"end":408.01,"sentiment":"neutral","sentiment_score":-0.06095057725906372}],"sentiment":"neutral","sentiment_score":0.14089916972443461,"num_words":24,"start":390.835,"end":408.01},{"sentences":[{"text":"We're on Southport.","start":408.01,"end":408.99002,"sentiment":"neutral","sentiment_score":-0.02942727692425251},{"text":"Southport and the Gold Coast.","start":409.37003,"end":410.83002,"sentiment":"neutral","sentiment_score":0.0010521396994590758},{"text":"Yeah.","start":411.29,"end":411.765,"sentiment":"neutral","sentiment_score":-0.03411007672548294},{"text":"If you have a flip through there oh, you used to live there or work there?","start":411.765,"end":417.545,"sentiment":"neutral","sentiment_score":-0.11612631333991885},{"text":"I did too.","start":424.98,"end":425.86,"sentiment":"neutral","sentiment_score":-0.056232513238986336}],"sentiment":"neutral","sentiment_score":-0.07656606293416449,"num_words":28,"start":408.01,"end":425.86},{"sentences":[{"text":"I don't live there currently, but I think it would have been thirteen years ago I last lived in Southport.","start":425.86,"end":431.8,"sentiment":"neutral","sentiment_score":-0.07939175218343734},{"text":"30.","start":436.355,"end":436.855,"sentiment":"neutral","sentiment_score":-0.03561857342720032},{"text":"Jeez.","start":437.39502,"end":437.71503,"sentiment":"neutral","sentiment_score":-0.04083028435707092},{"text":"What was it like thirty years ago?","start":437.71503,"end":439.315,"sentiment":"neutral","sentiment_score":-0.05417915806174278},{"text":"I can't can't imagine.","start":439.315,"end":440.535,"sentiment":"neutral","sentiment_score":-0.18285169452428818}],"sentiment":"neutral","sentiment_score":-0.08408923593885971,"num_words":33,"start":425.86,"end":440.535},{"sentences":[{"text":"Yep.","start":454.13,"end":454.63,"sentiment":"neutral","sentiment_score":-0.06320509314537048},{"text":"Like, Kerbera or Yep.","start":466.46503,"end":469.445,"sentiment":"neutral","sentiment_score":0.011388657498173416},{"text":"Kerbera, Kerbera.","start":470.70502,"end":471.505,"sentiment":"neutral","sentiment_score":0.010011053644120693},{"text":"Kerbera.","start":471.505,"end":472.005,"sentiment":"neutral","sentiment_score":0.011457913555204868},{"text":"No.","start":472.44,"end":472.94,"sentiment":"negative","sentiment_score":-0.4502824544906616}],"sentiment":"neutral","sentiment_score":-0.048494766311099134,"num_words":9,"start":454.13,"end":472.94},{"sentences":[{"text":"Okay.","start":477.16,"end":477.66,"sentiment":"neutral","sentiment_score":-0.09872789680957794},{"text":"No.","start":478.36002,"end":478.76,"sentiment":"neutral","sentiment_score":-0.11528250575065611},{"text":"It's I think at the very least, it's built up a few extra buildings.","start":478.76,"end":485.18,"sentiment":"neutral","sentiment_score":-0.10509826083268438},{"text":"Cool.","start":489.565,"end":490.045,"sentiment":"positive","sentiment_score":0.3805786669254303},{"text":"If you swing through pages three, four, and five, you'll just see that scope of advice repeated there about the superannuation goals being the main focus.","start":490.045,"end":499.905,"sentiment":"neutral","sentiment_score":0.18042069444289574}],"sentiment":"neutral","sentiment_score":0.07874722484239312,"num_words":43,"start":477.16,"end":499.905},{"sentences":[{"text":"We did include just the usual reminders, estate planning, just to get a will and power of attorney in place because I don't believe you've got that sorted yet.","start":500.19,"end":507.57,"sentiment":"neutral","sentiment_score":0.07577055050381298},{"text":"Yep.","start":509.47,"end":509.97,"sentiment":"neutral","sentiment_score":0.021210383623838425},{"text":"And I think there was a mention that you had, like, maybe an old will that was before the kids were born.","start":510.59,"end":515.81,"sentiment":"neutral","sentiment_score":-0.0383262788368897},{"text":"Okay.","start":529.88995,"end":530.20996,"sentiment":"neutral","sentiment_score":0.1567036211490631},{"text":"Cool.","start":530.20996,"end":530.61,"sentiment":"neutral","sentiment_score":0.3165901005268097}],"sentiment":"neutral","sentiment_score":0.03423466547219842,"num_words":54,"start":500.19,"end":530.61},{"sentences":[{"text":"Cool.","start":530.61,"end":531.08997,"sentiment":"neutral","sentiment_score":0.25258928537368774},{"text":"And outside of that, again, insurances were out of scope.","start":531.08997,"end":535.73,"sentiment":"neutral","sentiment_score":-0.1307694174349308},{"text":"We weren't doing an insurance review just yet.","start":535.73,"end":537.99,"sentiment":"neutral","sentiment_score":-0.16368948854506016},{"text":"And your other main main focus is cash flow, debt management, and investment.","start":538.12994,"end":543.835,"sentiment":"neutral","sentiment_score":0.08492626593663143},{"text":"You're obviously just focusing on the business, the family, paying down the debts, of course, and building up a bit of equity for some investing.","start":544.695,"end":555.435,"sentiment":"neutral","sentiment_score":0.165418142080307}],"sentiment":"neutral","sentiment_score":0.05043638968154004,"num_words":57,"start":530.61,"end":555.435},{"sentences":[{"text":"Cool.","start":557.61,"end":558.11,"sentiment":"positive","sentiment_score":0.4415100216865539},{"text":"And I think there was a bit of a mention that we may revisit some investment ideas later, whether it's investing for the kids or personal investment or property, and just go through maybe at the next review or the year after some potential ideas and structures for you.","start":558.49,"end":573.65497,"sentiment":"neutral","sentiment_score":0.2020351822887148},{"text":"Did that ring a bell?","start":573.65497,"end":574.71497,"sentiment":"neutral","sentiment_score":0.08880389258265495},{"text":"Like, commercial property?","start":594.79,"end":595.93,"sentiment":"neutral","sentiment_score":0.05153271183371544},{"text":"Yeah.","start":608.51996,"end":609.01996,"sentiment":"positive","sentiment_score":0.45341798663139343}],"sentiment":"neutral","sentiment_score":0.1931062633708372,"num_words":59,"start":557.61,"end":609.01996},{"sentences":[{"text":"The auto shed for the old business is a pretty good idea.","start":609.24,"end":612.19995,"sentiment":"positive","sentiment_score":0.6083624263604482},{"text":"I've done a few fancy funny little SMSF ideas, self managed super funds for people trying to get on-site property management.","start":612.19995,"end":620.13995,"sentiment":"positive","sentiment_score":0.37138542745794567},{"text":"I've had a guy do a theme park, live in and work on the theme park.","start":620.36,"end":625.095,"sentiment":"neutral","sentiment_score":0.3193312967196107},{"text":"That was pretty fun.","start":625.095,"end":626.075,"sentiment":"positive","sentiment_score":0.5853885114192963},{"text":"All kinds of things you can do.","start":626.535,"end":627.995,"sentiment":"neutral","sentiment_score":0.1463296434709004}],"sentiment":"positive","sentiment_score":0.39291008984049164,"num_words":60,"start":609.24,"end":627.995},{"sentences":[{"text":"Yeah.","start":645.19,"end":645.59,"sentiment":"neutral","sentiment_score":-0.005009779706597328},{"text":"Yep.","start":645.59,"end":646.07,"sentiment":"neutral","sentiment_score":0.03905826434493065},{"text":"Okay.","start":646.07,"end":646.39,"sentiment":"neutral","sentiment_score":0.05000549927353859},{"text":"So I've got a few notes there, and we'll keep that on file for the next chats.","start":646.39,"end":649.77,"sentiment":"neutral","sentiment_score":0.10953962057828903},{"text":"Can you have a swing through pages seven and eight?","start":650.495,"end":652.815,"sentiment":"neutral","sentiment_score":0.034623941965401174}],"sentiment":"neutral","sentiment_score":0.07641556511322657,"num_words":30,"start":645.19,"end":652.815},{"sentences":[{"text":"I just wanna see if there's been any significant changes in the details we captured.","start":652.815,"end":656.355,"sentiment":"neutral","sentiment_score":-0.04246562446157138},{"text":"I think we had just in the about you section, assets and liabilities.","start":656.65497,"end":661.235,"sentiment":"neutral","sentiment_score":0.00032272734321080735},{"text":"You're a maintenance man, self employed on about a $100 with two kids.","start":661.295,"end":665.395,"sentiment":"neutral","sentiment_score":0.017252131150319025},{"text":"Yep.","start":667.69,"end":668.19,"sentiment":"neutral","sentiment_score":0.03347732126712799},{"text":"Do you want me to capture your email address now?","start":668.57,"end":670.73,"sentiment":"neutral","sentiment_score":0.012791556492447852}],"sentiment":"neutral","sentiment_score":-0.0047522753906937745,"num_words":52,"start":652.815,"end":670.73},{"sentences":[{"text":"I can just put it on file.","start":670.73,"end":672.19,"sentiment":"neutral","sentiment_score":0.045416709035634995},{"text":"So AndyMannnt@Gmail.com?","start":679.385,"end":682.765,"sentiment":"neutral","sentiment_score":0.012875659856945276},{"text":"And that's obviously n for Nelly, like n Northern Territory?","start":683.785,"end":686.605,"sentiment":"neutral","sentiment_score":-0.005157943838275969},{"text":"Alright.","start":691.4,"end":691.9,"sentiment":"neutral","sentiment_score":0.06612585484981537},{"text":"Got that.","start":692.2,"end":692.94,"sentiment":"neutral","sentiment_score":0.07888243719935417}],"sentiment":"neutral","sentiment_score":0.023453616992231797,"num_words":22,"start":670.73,"end":692.94},{"sentences":[{"text":"We've got the private cars.","start":694.84,"end":697.72003,"sentiment":"neutral","sentiment_score":0.2239411234855652},{"text":"Yep.","start":697.72003,"end":698.22003,"sentiment":"neutral","sentiment_score":0.30538326501846313},{"text":"Sensational.","start":704.375,"end":704.875,"sentiment":"positive","sentiment_score":0.3743652105331421},{"text":"Alright.","start":705.41504,"end":705.73505,"sentiment":"neutral","sentiment_score":-0.035638146102428436},{"text":"So if you swing down through, you've got your Netwealth, your Neos insurance policy, which we're gonna keep an eye on that one as well, especially with price increases coming down the line.","start":705.73505,"end":715.5,"sentiment":"neutral","sentiment_score":0.1300106572382378}],"sentiment":"neutral","sentiment_score":0.14766262526192317,"num_words":41,"start":694.84,"end":715.5},{"sentences":[{"text":"And we've got you on page 10 of the high growth investors.","start":716.38,"end":719.18,"sentiment":"positive","sentiment_score":0.36249295622110367},{"text":"So, again, trying to get the high long term returns.","start":719.18,"end":721.76,"sentiment":"positive","sentiment_score":0.44700118005275724},{"text":"And, of course, reduce risk when you get closer to retirement, which isn't too terribly far away, but you've still got a couple of it comes around quick, but couple of cycles of growth left, and then we can start slowing things down as you approach the endpoint.","start":722.54,"end":737.60504,"sentiment":"neutral","sentiment_score":0.21395762776955962},{"text":"That way we don't lose it all at 64.","start":737.60504,"end":739.925,"sentiment":"neutral","sentiment_score":0.18465380867322287},{"text":"That'd be nice.","start":739.925,"end":740.825,"sentiment":"positive","sentiment_score":0.4270533521970113}],"sentiment":"neutral","sentiment_score":0.2686943627167039,"num_words":82,"start":716.38,"end":740.825},{"sentences":[{"text":"Now the main thing too so when it comes to that strategy recommendation, there's a huge wall of text on page 12 under a strategy recommendation heading.","start":742.10004,"end":749.56006,"sentiment":"neutral","sentiment_score":0.01748794331042855},{"text":"Basically, the three things are we looked at some alternative super funds, And while we did find a couple that were slightly more affordable, we're not recommending switching funds because the capital gains tax that you have to pay inside your super to switch it was coming close to $5 for a very minimal, you know, save $70 a year in fees.","start":751.54004,"end":772.06,"sentiment":"neutral","sentiment_score":-0.15112156389401324},{"text":"So that wasn't really gonna be a point.","start":773.56,"end":775.66,"sentiment":"neutral","sentiment_score":-0.04681996814906597},{"text":"We did recommend that switch of the Benelong option through Alfiniti, which again, similar fees, much better performance.","start":775.72,"end":782.875,"sentiment":"neutral","sentiment_score":0.1757476929989126},{"text":"I'll show you in a second.","start":782.875,"end":784.175,"sentiment":"neutral","sentiment_score":0.1254149985810121}],"sentiment":"neutral","sentiment_score":-0.04426424604771305,"num_words":121,"start":742.10004,"end":784.175},{"sentences":[{"text":"Like for like, they're both actively managed.","start":784.635,"end":786.65497,"sentiment":"neutral","sentiment_score":0.09785888344049454},{"text":"Alfiniti is just a little bit more broad.","start":786.95496,"end":789.435,"sentiment":"neutral","sentiment_score":0.06054601678624749},{"text":"They're not concentrated like your Benelon option was in terms of a few shares versus a lot of shares.","start":789.435,"end":795.055,"sentiment":"neutral","sentiment_score":0.05328561993021714},{"text":"The rebalancing, do you remember why we do a portfolio rebalance?","start":797.3,"end":801.24,"sentiment":"neutral","sentiment_score":-0.011671887202696367},{"text":"So if you've got, let's say, eight investment options and one of them is in Australian shares, one's in American, and let's say one of them is in property, one of them is in gold, what tends to happen is they all perform differently.","start":804.66,"end":818.495,"sentiment":"neutral","sentiment_score":-0.029767675621604376}],"sentiment":"neutral","sentiment_score":0.008355490005250727,"num_words":89,"start":784.635,"end":818.495},{"sentences":[{"text":"Some of them shoot up, some of them shoot down.","start":818.555,"end":820.895,"sentiment":"neutral","sentiment_score":-0.14768326580524443},{"text":"And let's say we originally said you should put 10% of your money into all four of those, but now one of them is fifteen and one of them is five.","start":821.03,"end":828.89,"sentiment":"neutral","sentiment_score":0.009279711111899345},{"text":"The whole idea of, like, buy low, sell high is we need to kind of bring your weightings back to the middle point.","start":829.19,"end":836.445,"sentiment":"neutral","sentiment_score":0.10094321292379628},{"text":"So it's again, I guess the buzzword is diversification, if that makes sense.","start":836.925,"end":840.945,"sentiment":"neutral","sentiment_score":0.20322466584352347},{"text":"So the idea is you've got a lot being skewed by the big price rise in gold and things like that.","start":842.445,"end":849.66,"sentiment":"neutral","sentiment_score":0.09262286126613617}],"sentiment":"neutral","sentiment_score":0.0583625819001879,"num_words":98,"start":818.555,"end":849.66},{"sentences":[{"text":"We can chase returns and just keep pumping all of your contributions into just those options.","start":850.13995,"end":854.48,"sentiment":"neutral","sentiment_score":0.23544632783159614},{"text":"But at some point, we really do just need to bring everything back to a nice spread so that you're not getting really, really weighted into one option and then it crashes and you're missing out on a buying opportunity with the other options.","start":854.62,"end":865.44,"sentiment":"neutral","sentiment_score":-0.07680168485438282},{"text":"Does that make sense?","start":865.575,"end":866.47504,"sentiment":"neutral","sentiment_score":0.06464350409805775},{"text":"Cool.","start":867.735,"end":868.235,"sentiment":"positive","sentiment_score":0.4621469974517822},{"text":"Now if you go to the next page, there's a table there just basically talking about the pros and cons of those three things, which pretty much outlined already.","start":868.295,"end":876.555,"sentiment":"neutral","sentiment_score":0.11469168344448352}],"sentiment":"neutral","sentiment_score":0.04717709516432691,"num_words":94,"start":850.13995,"end":876.555},{"sentences":[{"text":"Couple of warnings on the page afterwards.","start":877.41504,"end":879.515,"sentiment":"neutral","sentiment_score":-0.3173903099128178},{"text":"Of course, we can't control the weather, and we have factored in some capital gains tax from any switches that we do.","start":879.575,"end":885.73,"sentiment":"neutral","sentiment_score":-0.1348969704386863},{"text":"But the main thing there is on page fifteen and sixteen.","start":886.91,"end":891.57,"sentiment":"neutral","sentiment_score":0.12629048119891773},{"text":"There's another lovely blue table there for you with quite a few numbers on it.","start":891.87,"end":895.515,"sentiment":"positive","sentiment_score":0.3782672097285589},{"text":"So these are all of your different investments.","start":898.955,"end":901.29504,"sentiment":"neutral","sentiment_score":0.19513515755534172}],"sentiment":"neutral","sentiment_score":0.05452093937330776,"num_words":63,"start":877.41504,"end":901.29504},{"sentences":[{"text":"And what it's basically saying is if you can make out the figures, on the second third of it, there's a column called target waiting, and you can see all the percentages underneath that are, like, kind of nice round figures.","start":901.675,"end":915.19,"sentiment":"neutral","sentiment_score":0.21848830289957},{"text":"Hang on.","start":922.145,"end":922.885,"sentiment":"neutral","sentiment_score":-0.023002992384135723},{"text":"Cool.","start":938.72,"end":939.19995,"sentiment":"neutral","sentiment_score":0.25564706325531006},{"text":"So there's a column on the left, current waiting, column on the right, target waiting.","start":939.19995,"end":944.18,"sentiment":"neutral","sentiment_score":0.12557631134986877},{"text":"And, basically, what you can see is that's where all your money is kind of sitting with all the growth and drops and things like that.","start":944.57495,"end":950.035,"sentiment":"neutral","sentiment_score":-0.035789237572596624}],"sentiment":"neutral","sentiment_score":0.11906807047917563,"num_words":85,"start":901.675,"end":950.035},{"sentences":[{"text":"And then if we do those buys and sells in the black and red, it brings you back to those nice round figures on the right.","start":950.175,"end":956.115,"sentiment":"neutral","sentiment_score":0.21842695801303938},{"text":"Now what that really means is if you look at, I think, the top one, battery tech and lithium, quite overweight there at 8% just in one type of share, and your option's getting wiped out to zero because that's being switched out.","start":957.87,"end":971.17,"sentiment":"neutral","sentiment_score":-0.08843121092853158},{"text":"But about bottom third of that table, you can see your gold option was jumped all the way up to 12% of your overall super.","start":971.39,"end":978.98505,"sentiment":"neutral","sentiment_score":0.17371096402406694},{"text":"We normally keep it at around about seven.","start":979.04504,"end":981.145,"sentiment":"neutral","sentiment_score":0.10566509887576103},{"text":"Yeah.","start":987.62,"end":988.12,"sentiment":"neutral","sentiment_score":0.1755233108997345}],"sentiment":"neutral","sentiment_score":0.07029298097980254,"num_words":103,"start":950.175,"end":988.12},{"sentences":[{"text":"And it's one of those things where it jumped up like a 100 and something percent in twelve months, which is amazing.","start":988.26,"end":995.63995,"sentiment":"neutral","sentiment_score":0.3153981552882628},{"text":"But, again, those things always have a bit of a pullback, and it already has.","start":996.1,"end":1000.04,"sentiment":"neutral","sentiment_score":-0.20183401902516682},{"text":"But we can't just keep, like, riding the wave and chasing returns, if that makes sense.","start":1000.345,"end":1005.325,"sentiment":"neutral","sentiment_score":-0.16233262000605464},{"text":"So what it basically does, the last two things I wanna show you is just on pages seventeen and eighteen, you'll see a colored pie chart for your asset allocation.","start":1008.105,"end":1016.87,"sentiment":"neutral","sentiment_score":0.037502669356763364},{"text":"And what ended up happening was you had a huge overweighting in things like alternative assets, very little in Australian shares.","start":1020.61,"end":1028.23,"sentiment":"neutral","sentiment_score":-0.12168035673953238}],"sentiment":"neutral","sentiment_score":-0.0011180788457680207,"num_words":104,"start":988.26,"end":1028.23},{"sentences":[{"text":"And while we do favor international shares usually, we just wanna kind of bring it back to the baseline, which is that kind of thirty, fifty five, that kind of thing.","start":1028.605,"end":1039.105,"sentiment":"neutral","sentiment_score":-0.03287620445893657},{"text":"Still around about that ninety three, ninety two percent growth assets because you're high growth.","start":1039.485,"end":1044.42,"sentiment":"neutral","sentiment_score":0.03165230378508568},{"text":"Now last page, that's the actual comparison of the reweight.","start":1047.2201,"end":1050.52,"sentiment":"neutral","sentiment_score":0.014367809798568488},{"text":"Now that factors in $711 of superannuation capital gains tax and all the different reweights and everything.","start":1050.9,"end":1059.205,"sentiment":"neutral","sentiment_score":0.018765004790004564},{"text":"It basically looks like it comes out to the same outcome because the Benelong switch is much better performing option.","start":1059.345,"end":1066.965,"sentiment":"neutral","sentiment_score":0.06781999692320824}],"sentiment":"neutral","sentiment_score":0.013706508993862136,"num_words":93,"start":1028.605,"end":1066.965},{"sentences":[{"text":"But if we sell off a little bit of your battery tech, electric vehicles, and gold options, it looks it makes the past performance look a little bit worse, if that makes sense.","start":1067.1849,"end":1078.1799,"sentiment":"negative","sentiment_score":-0.3656054333303914},{"text":"So the whole idea behind the rebalance is forward looking.","start":1079.44,"end":1082.2599,"sentiment":"neutral","sentiment_score":0.207794888317585},{"text":"We're trying to get things ready for what could grow going forward, not looking in the rearview mirror trying to chase all the returns.","start":1082.32,"end":1089.545,"sentiment":"neutral","sentiment_score":0.24966308598717055},{"text":"So it looks like it's basically a 12 versus 12% average return whether you kept it the same or we rebalanced it.","start":1089.545,"end":1096.505,"sentiment":"neutral","sentiment_score":0.23475044627081265},{"text":"That's why I wanted to kind of point out those two tables.","start":1096.505,"end":1099.085,"sentiment":"neutral","sentiment_score":0.11008823631952207}],"sentiment":"neutral","sentiment_score":0.024657943571853167,"num_words":101,"start":1067.1849,"end":1099.085},{"sentences":[{"text":"Just below it, you've got your been long option in terms of fees and your affinity, and the next page has at the bottom of the next page, it's got performance difference.","start":1101.6699,"end":1110.23,"sentiment":"neutral","sentiment_score":0.0640279067447409},{"text":"Can you see, like, a very light blue table at the bottom of page 19?","start":1110.23,"end":1113.45,"sentiment":"neutral","sentiment_score":0.040253576015432675},{"text":"So the three things, if you can make it out, the Benelon option had a huge drop of about 21% in the last twelve months, and it's been negative for three and five years because of that drop.","start":1116.1849,"end":1125.865,"sentiment":"negative","sentiment_score":-0.34059977688287435},{"text":"It's pulled it all the way down.","start":1125.865,"end":1127.43,"sentiment":"negative","sentiment_score":-0.4591156542301178},{"text":"Now that replacement option we've got there, it's got ten, ten, and 8.6 over one, three, and five years, which is like a 30% swing, which is huge.","start":1129.3501,"end":1140.01,"sentiment":"neutral","sentiment_score":0.059945866997752874}],"sentiment":"neutral","sentiment_score":-0.09854516807633142,"num_words":120,"start":1101.6699,"end":1140.01},{"sentences":[{"text":"But underneath it, you can see the Aussie share market benchmark, which it's been outperforming for all those time periods.","start":1140.575,"end":1147.235,"sentiment":"neutral","sentiment_score":0.1362183254212141},{"text":"So, basically, that's the point of having an active fund is you pay a little bit higher investment fees.","start":1148.495,"end":1152.735,"sentiment":"neutral","sentiment_score":0.09081572058953737},{"text":"It's supposed to outperform the market, which it needs to do consistently.","start":1152.735,"end":1156.3,"sentiment":"neutral","sentiment_score":0.14941815255830684},{"text":"Otherwise, there's no point.","start":1156.4401,"end":1157.74,"sentiment":"neutral","sentiment_score":-0.2853681817650795},{"text":"And if the market's going up and your option in that space is going down, that's a red flag to replace it.","start":1157.96,"end":1163.66,"sentiment":"neutral","sentiment_score":-0.22502379661256616}],"sentiment":"neutral","sentiment_score":0.0019595685427065018,"num_words":77,"start":1140.575,"end":1163.66},{"sentences":[{"text":"Now there's usually a small performance difference between different options that are similar, but you don't want it to be that big of a swing.","start":1165.08,"end":1172.525,"sentiment":"neutral","sentiment_score":-0.09362413212656975},{"text":"So does all that make sense?","start":1174.665,"end":1176.025,"sentiment":"neutral","sentiment_score":0.08996315176288287},{"text":"And I've just thrown a bunch of sort of technical jargon at you, but the reasons of why we're doing what we're doing, does it make sense to you?","start":1176.025,"end":1182.21,"sentiment":"neutral","sentiment_score":0.02289419357889685},{"text":"Nice.","start":1187.01,"end":1187.4099,"sentiment":"neutral","sentiment_score":0.15007436275482178},{"text":"Any questions so far or anything that kind of isn't clicking?","start":1187.4099,"end":1190.23,"sentiment":"neutral","sentiment_score":-0.11693744632330808}],"sentiment":"neutral","sentiment_score":-0.03157125452222923,"num_words":72,"start":1165.08,"end":1190.23},{"sentences":[{"text":"Yep.","start":1195.265,"end":1195.765,"sentiment":"neutral","sentiment_score":0.06693094968795776},{"text":"Sensational.","start":1200.065,"end":1200.145,"sentiment":"positive","sentiment_score":0.344958633184433},{"text":"Easy done.","start":1200.145,"end":1200.965,"sentiment":"positive","sentiment_score":0.5538125038146973},{"text":"The rest of the document pretty much just lists all of the estate planning, wills, power of attorneys, all that kind of thing.","start":1201.345,"end":1207.1849,"sentiment":"neutral","sentiment_score":0.25982493874819385},{"text":"It's got the adviser fees at the bottom, the NEOS commissions, all that kind of thing.","start":1207.1849,"end":1212.95,"sentiment":"neutral","sentiment_score":0.210635332390666}],"sentiment":"neutral","sentiment_score":0.25268961627816044,"num_words":43,"start":1195.265,"end":1212.95},{"sentences":[{"text":"As far as steps to implement, basically, once you're happy with the plan, if you give that a sign, we can pretty much just log on to Netwealth and send some investment switch orders in to some buyers and sales.","start":1213.0099,"end":1225.5349,"sentiment":"neutral","sentiment_score":0.24685925878584386},{"text":"There's no other forms or anything.","start":1225.755,"end":1227.355,"sentiment":"neutral","sentiment_score":0.016673161337773006},{"text":"It's basically just the consent on the advice document.","start":1227.355,"end":1229.855,"sentiment":"neutral","sentiment_score":0.09592285338375303},{"text":"Cool.","start":1231.6749,"end":1232.075,"sentiment":"positive","sentiment_score":0.41838538646698},{"text":"So you're okay if I kind of leave that with you to have a bit of a read and and let us know if you have any questions?","start":1232.075,"end":1236.575,"sentiment":"neutral","sentiment_score":0.28747411471392426}],"sentiment":"neutral","sentiment_score":0.22982589998060748,"num_words":84,"start":1213.0099,"end":1236.575},{"sentences":[{"text":"Cool.","start":1242.7001,"end":1243.2001,"sentiment":"neutral","sentiment_score":0.30233949422836304},{"text":"Mate, there was a bit of a note there around just with the Neos insurances.","start":1243.66,"end":1248.24,"sentiment":"neutral","sentiment_score":0.13563364495833716},{"text":"Were you wanting me to book you in for another catch up after the end of financial year, or did you wanna wait till the next annual review around Christmas time?","start":1248.62,"end":1256.595,"sentiment":"neutral","sentiment_score":0.10630583474712987},{"text":"What would be your preference on contact?","start":1256.815,"end":1258.675,"sentiment":"neutral","sentiment_score":0.06067563806261335},{"text":"Yep.","start":1262.975,"end":1263.39,"sentiment":"neutral","sentiment_score":0.13186174631118774}],"sentiment":"neutral","sentiment_score":0.11252575015479868,"num_words":55,"start":1242.7001,"end":1263.39},{"sentences":[{"text":"Because I'm having a quick squeeze at your review documents there, and you need to make sure yeah.","start":1263.79,"end":1272.83,"sentiment":"neutral","sentiment_score":0.15365490482913124},{"text":"You gotta keep an eye on those premiums as well because the moment you start getting close to 50 and above, that insurance policy is gonna start getting very close to $10,000 very quickly.","start":1272.83,"end":1282.885,"sentiment":"neutral","sentiment_score":0.17574948116260417},{"text":"So keeping a lid on fees is another thing as well.","start":1283.1849,"end":1287.125,"sentiment":"neutral","sentiment_score":0.16911658915606412},{"text":"Cool.","start":1288.865,"end":1289.265,"sentiment":"neutral","sentiment_score":0.2414010465145111},{"text":"Do you have any questions for me before I let you go, sir?","start":1289.265,"end":1291.59,"sentiment":"neutral","sentiment_score":0.020630125816051777}],"sentiment":"neutral","sentiment_score":0.14430059492588043,"num_words":77,"start":1263.79,"end":1291.59},{"sentences":[{"text":"Cool.","start":1294.5499,"end":1295.0499,"sentiment":"neutral","sentiment_score":0.19543394446372983},{"text":"Again, any questions at all, just call, text, email, whatever you need.","start":1296.07,"end":1299.59,"sentiment":"neutral","sentiment_score":0.2528707745174567},{"text":"If we don't hear from you in, you know, like, a week or so, I'll just get the team to give you a buzz for a bit of a follow-up.","start":1299.59,"end":1304.65,"sentiment":"neutral","sentiment_score":-0.07300498262047768},{"text":"And thank you for your time today.","start":1304.87,"end":1307.45,"sentiment":"positive","sentiment_score":0.6501604063170296},{"text":"Sensational.","start":1313.4548,"end":1313.9548,"sentiment":"positive","sentiment_score":0.40475139021873474}],"sentiment":"neutral","sentiment_score":0.11756094106856514,"num_words":51,"start":1294.5499,"end":1313.9548},{"sentences":[{"text":"Well, you enjoy that, mate, and I shall talk to you soon.","start":1314.5748,"end":1317.7148,"sentiment":"positive","sentiment_score":0.6603668828805288},{"text":"Thanks, Andrew.","start":1319.2948,"end":1320.0948,"sentiment":"positive","sentiment_score":0.7119154334068298},{"text":"I'll see you later.","start":1320.0948,"end":1320.9949,"sentiment":"positive","sentiment_score":0.4700380116701126},{"text":"Bye.","start":1322.0148,"end":1322.5148,"sentiment":"neutral","sentiment_score":-0.12202110886573792}],"sentiment":"positive","sentiment_score":0.5845454946944588,"num_words":19,"start":1314.5748,"end":1322.5148}]}}]},{"alternatives":[{"transcript":"No worries, Tony. How are you? Yeah. Yeah. I've I've just changed providers on my phone recently, and apparently, there's a voice I don't like voice mail. So that's why I leave it blank so that people go, okay. Maybe I'll just text. Because I'd never if I leave have voice mail there, people leave leave voice mails, and then I never look at them or listen to them and can get me I must put I must put a message on there saying that they're ringing, please contact me by text message. Yeah. I've come up against that as well, and I'm like, this is weird. Yeah. That's it. It's can be a bit of an issue. Just can I bring up my I will email the same time? Yeah. Right. Of course. Twenty eight is the 1st 197953 Glencoe Crescent, Tiwi 0 81O. I should say 0O810. Yep. Can I actually get you to change oh, yeah? Just came through. Signature required. Yeah. Please. Yeah. For the next time. I will do it at the end of the end of the please find the updated same as discussed it. Yeah. Signed documents. Oh, yeah. Yep. The super accelerator. We'll go to that one first. It's it's a it's a way appendix. Yep. Yes. Beautiful pitch of tongue. Yep. Yep. Yep. Yep. Yep. Yeah. Nice. Yep. Yeah. Yeah. Yep. So that's the s m s and t's. Yep. Cop delete. Yep. Yep. Yep. Yeah. Right. So the first one, the current one is just doing a replacement of the one that's not doing so great and then the recommend doing everything. Yep. Yeah. Yeah. Yep. Yeah. Right. Is that my current balance? The $1.40? Yep. Yep. Yep. 71. Yep. Lovely. Yeah. You guys are you're busy day. You're not on the go. Okay? Are you? Yeah. You're alright. My house is fucking good. I used to live in a long time ago, I lived in on in Southport. No. I'm talking, what, thirty years ago. I was 17. Yep. I don't know if you would have changed much. The people weren't that yeah. But coming from Victoria and country boy to live in I've started living in Coon Of Badrands. No. Not Coon Of Badrands. I've been I can't even remember it. Just before one of the northern suburbs there. And Labrador and Southport. And I ended up a year before I went. I don't really have very many nice friends here. I've got people that try and take me for a ride, but yeah. Alright. I'm in here. What am I looking at? Yep. No. I haven't sorted that yet. I've got an old wheel that everything goes to potentially to children where we've done before I had children, but it does state that if anything happens to me or my wife goes to whatever equally divided between whatever children I have. Yeah. Yep. Yep. Yeah. Yeah. Definitely. I I because I'm currently doing a business plan up for expansion of my own business. And I have thought about trying to use Super to purchase a a yard or shed to set up in then I'm paying market rent to my super rather than to someone else's super. Alright. Yeah. Yeah. So that yeah. There's definitely things that all has to come back once yeah. Once I know more about what that's still another year or so away before we'd be sort of potentially going down that road anyway. Yeah. Yep. Yep. Yep. So yeah. It's andymann,nt,@gmail.com. Yep. Yep. Yeah. And Northern Territory. Yeah. And yeah. It all looks pretty pretty yeah. Everything looks good as it should be on those two pages. Yep. Yep. That's coming quick. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. No. Yes. Yep. Yep. Yep. Yep. Just hold on. I just had to get off and move away from here for a sec. Yep. Yep. Yep. Yep. Yep. Yeah. That's because gold's so good at the moment. Is it? Yeah. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yeah. Right. Yep. Yeah. Yep. Yep. Yep. Yep. Mostly. Yeah. No. No. No. It's fine. I'm gonna spend a bit of time going over all this when I when I get a bit of time. Yep. Yep. Yeah. Cool. Yep. Yeah. I will. I will. I'll have a read of it tonight, and I'll get that signed document through. Maybe another one just after the financial year would be good. Yeah. Yep. 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worries, Tony. How are you? Yeah. Yeah. I've I've just changed providers on my phone recently, and apparently, there's a voice I don't like voice mail.\n\nSo that's why I leave it blank so that people go, okay. Maybe I'll just text. Because I'd never if I leave have voice mail there, people leave leave voice mails, and then I never look at them or listen to them and can get me I must put I must put a message on there saying that they're ringing, please contact me by text message. Yeah. I've come up against that as well, and I'm like, this is weird.\n\nYeah. That's it. It's can be a bit of an issue. Just can I bring up my I will email the same time? Yeah.\n\nRight. Of course. Twenty eight is the 1st 197953 Glencoe Crescent, Tiwi 0 81O. I should say 0O810. Yep.\n\nCan I actually get you to change oh, yeah? Just came through. Signature required. Yeah. Please.\n\nYeah. For the next time. I will do it at the end of the end of the please find the updated same as discussed it. Yeah. Signed documents.\n\nOh, yeah. Yep. The super accelerator. We'll go to that one first. It's it's a it's a way appendix.\n\nYep. Yes. Beautiful pitch of tongue. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Nice.\n\nYep. Yeah. Yeah. Yep. So that's the s m s and t's.\n\nYep. Cop delete. Yep. Yep. Yep.\n\nYeah. Right. So the first one, the current one is just doing a replacement of the one that's not doing so great and then the recommend doing everything. Yep. Yeah.\n\nYeah. Yep. Yeah. Right. Is that my current balance?\n\nThe $1.40? Yep. Yep. Yep. 71.\n\nYep. Lovely. Yeah. You guys are you're busy day. You're not on the go.\n\nOkay? Are you? Yeah. You're alright. My house is fucking good.\n\nI used to live in a long time ago, I lived in on in Southport. No. I'm talking, what, thirty years ago. I was 17. Yep.\n\nI don't know if you would have changed much. The people weren't that yeah. But coming from Victoria and country boy to live in I've started living in Coon Of Badrands. No. Not Coon Of Badrands.\n\nI've been I can't even remember it. Just before one of the northern suburbs there. And Labrador and Southport. And I ended up a year before I went. I don't really have very many nice friends here.\n\nI've got people that try and take me for a ride, but yeah. Alright. I'm in here. What am I looking at? Yep.\n\nNo. I haven't sorted that yet. I've got an old wheel that everything goes to potentially to children where we've done before I had children, but it does state that if anything happens to me or my wife goes to whatever equally divided between whatever children I have. Yeah. Yep.\n\nYep. Yeah. Yeah. Definitely. I I because I'm currently doing a business plan up for expansion of my own business.\n\nAnd I have thought about trying to use Super to purchase a a yard or shed to set up in then I'm paying market rent to my super rather than to someone else's super. Alright. Yeah. Yeah. So that yeah.\n\nThere's definitely things that all has to come back once yeah. Once I know more about what that's still another year or so away before we'd be sort of potentially going down that road anyway. Yeah. Yep. Yep.\n\nYep. So yeah. It's andymann,nt,@gmail.com. Yep. Yep.\n\nYeah. And Northern Territory. Yeah. And yeah. It all looks pretty pretty yeah.\n\nEverything looks good as it should be on those two pages. Yep. Yep. That's coming quick. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. No. Yes. Yep. Yep.\n\nYep. Yep. Just hold on. I just had to get off and move away from here for a sec. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nThat's because gold's so good at the moment. Is it? Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yes. Yep.\n\nYep. Yep. Yeah. Right. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nMostly. Yeah. No. No. No.\n\nIt's fine. I'm gonna spend a bit of time going over all this when I when I get a bit of time. Yep. Yep. Yeah.\n\nCool. Yep. Yeah. I will. I will.\n\nI'll have a read of it tonight, and I'll get that signed document through. Maybe another one just after the financial year would be good. Yeah. Yep. Yeah.\n\nYep. Alright. Not right. None. None.\n\nNone today. Yep. Yep. Alright. No worries.\n\nI've just got my little man waking up, so perfect timing. Come on, mate. Right. Sounds good. Alright.\n\nThanks for calling. Bye.","paragraphs":[{"sentences":[{"text":"No worries, Tony.","start":6.3199997,"end":7.46,"sentiment":"neutral","sentiment_score":0.2697322865327199},{"text":"How are you?","start":7.6,"end":8.42,"sentiment":"neutral","sentiment_score":0.2836504876613617},{"text":"Yeah.","start":19.064999,"end":19.465,"sentiment":"neutral","sentiment_score":-0.016803227365016937},{"text":"Yeah.","start":19.465,"end":19.785,"sentiment":"neutral","sentiment_score":-0.03555624932050705},{"text":"I've I've just changed providers on my phone recently, and apparently, there's a voice I don't like voice mail.","start":19.785,"end":29.884998,"sentiment":"neutral","sentiment_score":-0.14591159240195625}],"sentiment":"neutral","sentiment_score":-0.04313079295334993,"num_words":27,"start":6.3199997,"end":29.884998},{"sentences":[{"text":"So that's why I leave it blank so that people go, okay.","start":30.425,"end":32.9,"sentiment":"neutral","sentiment_score":-0.12987776659429073},{"text":"Maybe I'll just 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it.","start":75.295,"end":76.015,"sentiment":"neutral","sentiment_score":-0.07259218022227287},{"text":"It's can be a bit of an issue.","start":76.015,"end":78.515,"sentiment":"neutral","sentiment_score":-0.17174903117120266},{"text":"Just can I bring up my I will email the same time?","start":79.534996,"end":89.8,"sentiment":"neutral","sentiment_score":0.049138047732412815},{"text":"Yeah.","start":95.62,"end":95.86,"sentiment":"neutral","sentiment_score":0.06572934985160828}],"sentiment":"neutral","sentiment_score":-0.0390183023797969,"num_words":24,"start":74.895,"end":95.86},{"sentences":[{"text":"Right.","start":95.86,"end":96.34,"sentiment":"neutral","sentiment_score":0.07738769054412842},{"text":"Of course.","start":96.34,"end":96.92,"sentiment":"neutral","sentiment_score":0.09089208394289017},{"text":"Twenty eight is the 1st 197953 Glencoe Crescent, Tiwi 0 81O.","start":108.185005,"end":115.805,"sentiment":"neutral","sentiment_score":0.04169743076305498},{"text":"I should say 0O810.","start":118.58,"end":122.12,"sentiment":"neutral","sentiment_score":0.2733885683119297},{"text":"Yep.","start":135.375,"end":135.875,"sentiment":"neutral","sentiment_score":0.06284980475902557}],"sentiment":"neutral","sentiment_score":0.09864461446475041,"num_words":19,"start":95.86,"end":135.875},{"sentences":[{"text":"Can I actually get you to change oh, yeah?","start":137.05501,"end":139.715,"sentiment":"neutral","sentiment_score":0.03926749010052946},{"text":"Just came through.","start":140.255,"end":141.315,"sentiment":"neutral","sentiment_score":0.06196115414301554},{"text":"Signature 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so good at the moment.","start":985.04,"end":987.13995,"sentiment":"positive","sentiment_score":0.43934880942106247},{"text":"Is 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fine.","start":1191.4349,"end":1191.995,"sentiment":"neutral","sentiment_score":-0.006454797461628914},{"text":"I'm gonna spend a bit of time going over all this when I when I get a bit of time.","start":1191.995,"end":1199.0549,"sentiment":"neutral","sentiment_score":0.11247443240135908},{"text":"Yep.","start":1211.24,"end":1211.74,"sentiment":"neutral","sentiment_score":0.1808711737394333},{"text":"Yep.","start":1230.105,"end":1230.605,"sentiment":"neutral","sentiment_score":0.16403816640377045},{"text":"Yeah.","start":1230.665,"end":1230.985,"sentiment":"neutral","sentiment_score":0.25258108973503113}],"sentiment":"neutral","sentiment_score":0.11336277931928634,"num_words":25,"start":1191.4349,"end":1230.985},{"sentences":[{"text":"Cool.","start":1230.985,"end":1231.485,"sentiment":"positive","sentiment_score":0.40352556109428406},{"text":"Yep.","start":1235.76,"end":1236.26,"sentiment":"neutral","sentiment_score":0.13103407621383667},{"text":"Yeah.","start":1236.9601,"end":1237.28,"sentiment":"neutral","sentiment_score":0.14988704025745392},{"text":"I will.","start":1237.28,"end":1237.76,"sentiment":"neutral","sentiment_score":0.187747485935688},{"text":"I 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good.","start":1259.255,"end":1262.555,"sentiment":"neutral","sentiment_score":0.1228893527930433},{"text":"Yeah.","start":1278.24,"end":1278.74,"sentiment":"neutral","sentiment_score":0.142775297164917},{"text":"Yep.","start":1278.88,"end":1279.155,"sentiment":"neutral","sentiment_score":0.1690807193517685},{"text":"Yeah.","start":1283.235,"end":1283.735,"sentiment":"neutral","sentiment_score":0.16694873571395874}],"sentiment":"neutral","sentiment_score":0.1905877459794283,"num_words":28,"start":1238.0801,"end":1283.735},{"sentences":[{"text":"Yep.","start":1285.0751,"end":1285.5751,"sentiment":"neutral","sentiment_score":0.13243311643600464},{"text":"Alright.","start":1289.0751,"end":1289.5751,"sentiment":"neutral","sentiment_score":0.1440168470144272},{"text":"Not right.","start":1289.7151,"end":1290.375,"sentiment":"neutral","sentiment_score":0.001408526673913002},{"text":"None.","start":1292.115,"end":1292.615,"sentiment":"neutral","sentiment_score":-0.07562706619501114},{"text":"None.","start":1292.675,"end":1293.15,"sentiment":"neutral","sentiment_score":-0.06732749938964844}],"sentiment":"neutral","sentiment_score":0.02271874186893304,"num_words":6,"start":1285.0751,"end":1293.15},{"sentences":[{"text":"None today.","start":1293.23,"end":1294.05,"sentiment":"neutral","sentiment_score":-0.02102896384894848},{"text":"Yep.","start":1304.59,"end":1305.09,"sentiment":"neutral","sentiment_score":0.13900867104530334},{"text":"Yep.","start":1305.31,"end":1305.81,"sentiment":"neutral","sentiment_score":0.20599251985549927},{"text":"Alright.","start":1308.205,"end":1308.525,"sentiment":"positive","sentiment_score":0.3714456558227539},{"text":"No worries.","start":1308.525,"end":1309.005,"sentiment":"neutral","sentiment_score":0.29630693793296814}],"sentiment":"neutral","sentiment_score":0.18100039927022799,"num_words":7,"start":1293.23,"end":1309.005},{"sentences":[{"text":"I've just got my little man waking up, so perfect timing.","start":1309.005,"end":1311.985,"sentiment":"positive","sentiment_score":0.5620688145810907},{"text":"Come on, mate.","start":1313.005,"end":1313.905,"sentiment":"positive","sentiment_score":0.4333190321922302},{"text":"Right.","start":1318.045,"end":1318.365,"sentiment":"positive","sentiment_score":0.5428546071052551},{"text":"Sounds good.","start":1318.365,"end":1319.265,"sentiment":"positive","sentiment_score":0.7462232112884521},{"text":"Alright.","start":1320.425,"end":1320.745,"sentiment":"neutral","sentiment_score":0.2384718358516693}],"sentiment":"positive","sentiment_score":0.5420270512501398,"num_words":18,"start":1309.005,"end":1320.745},{"sentences":[{"text":"Thanks for calling.","start":1320.745,"end":1321.565,"sentiment":"positive","sentiment_score":0.6496419906616211},{"text":"Bye.","start":1321.785,"end":1322.285,"sentiment":"positive","sentiment_score":0.3854603171348572}],"sentiment":"positive","sentiment_score":0.5835965722799301,"num_words":4,"start":1320.745,"end":1322.285}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Andrew, Tommy here, one of the senior advisers. Mate, thank you so much for calling back in.\n\nChannel 1: No worries, Tony. How are you?\n\nChannel 0: Mate, I'm Fantastic. I've got a bit of an updated advice document for you. Yeah. I'm not sure what happened. I tried to call through, and it kinda went straight to voice message.\n\nI thought best to reach you via text. So thank you.\n\nChannel 1: Yeah. Yeah. I've I've just changed providers on my phone recently, and apparently, there's a voice I don't like voice mail. So that's why I leave it blank so that people go, okay. Maybe I'll just text.\n\nBecause\n\nChannel 0: Yeah.\n\nChannel 1: I'd never if I leave have voice mail there, people leave leave voice mails, and then I never look at them or listen\n\nChannel 0: Yeah.\n\nChannel 1: to them and can\n\nChannel 0: No. That's\n\nChannel 1: get me\n\nChannel 0: fair.\n\nChannel 1: I must put I must put a message on there saying that they're ringing, please contact me by text message.\n\nChannel 0: No worries at all. No. I worked it out alright. But what threw me was a lot of people with iPhones these days have this call filtering where you're supposed to state, like, who you are and it tries to call through a second time. And\n\nChannel 1: Yeah.\n\nChannel 0: I thought\n\nChannel 1: I've\n\nChannel 0: that was it,\n\nChannel 1: come\n\nChannel 0: but\n\nChannel 1: up\n\nChannel 0: it\n\nChannel 1: against\n\nChannel 0: didn't say\n\nChannel 1: that\n\nChannel 0: anything.\n\nChannel 1: as well, and I'm like, this is weird.\n\nChannel 0: It is. The whole world's going weird, but everyone's just trying to avoid spam and telemarketers, mate, so I don't blame them.\n\nChannel 1: Yeah. That's it. It's can be a bit of an issue.\n\nChannel 0: Absolutely.\n\nChannel 1: Just can I bring up my I will email\n\nChannel 0: Yep. Now\n\nChannel 1: the same\n\nChannel 0: just before\n\nChannel 1: time?\n\nChannel 0: I pop that email through to you, I just need to quickly confirm that you're okay for these calls to be recorded.\n\nChannel 1: Yeah. Right. Of course.\n\nChannel 0: Yep. And I'll just do the quick usual security check. So I'm registered with Asik as adviser 1273105. Mate, could you just confirm your date of birth and address, please?\n\nChannel 1: Twenty eight is the 1st 197953 Glencoe Crescent, Tiwi 0\n\nChannel 0: Fantastic.\n\nChannel 1: 81O.\n\nChannel 0: O81O, Northern Territory.\n\nChannel 1: I should\n\nChannel 0: Fantastic.\n\nChannel 1: say 0O810.\n\nChannel 0: That's okay. O's and zeros work for me. That's perfect. Mate, when this comes through, it's through our new Odoo system, which is kind of custom built for us. It may go through to your spam box, but it should be pretty instant to your main box.\n\nIf you can just let me know if that's\n\nChannel 1: Yep.\n\nChannel 0: popped up in there.\n\nChannel 1: Can I actually get you to change oh, yeah? Just came through. Signature required.\n\nChannel 0: Yep. Now do you want me to update email address for next\n\nChannel 1: Yeah.\n\nChannel 0: time? Or\n\nChannel 1: Please. Yeah. For the next time. I will do it at the end of the end of the please find the updated same as discussed it.\n\nChannel 0: Now there should be\n\nChannel 1: Yeah.\n\nChannel 0: PDF attachments at the bottom, kinda\n\nChannel 1: Signed\n\nChannel 0: like normal email attachments, but there's also\n\nChannel 1: documents.\n\nChannel 0: a link to the digital authorization. Would you\n\nChannel 1: Oh,\n\nChannel 0: mind\n\nChannel 1: yeah.\n\nChannel 0: just quickly going to those bottom attachments for a second for me?\n\nChannel 1: Yep. The super accelerator. We'll go to that one first.\n\nChannel 0: So no. That one's just a PDF document for your Netwealth. Just they update product information all the time. I'm just wondering if you can see SOA appendix. Should be dated\n\nChannel 1: It's\n\nChannel 0: at the start,\n\nChannel 1: it's a it's\n\nChannel 0: like\n\nChannel 1: a way\n\nChannel 0: 2020\n\nChannel 1: appendix.\n\nChannel 0: six.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And it should have a sort of forest mountain view picture on it.\n\nChannel 1: Yes. Beautiful pitch of\n\nChannel 0: Fantastic. One of them is a forest. One of them is a Gold Coast beachfront. So I just wanna make sure we got the right document open,\n\nChannel 1: tongue.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: it is that forest one.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. So in the statement of advice, I'm gonna quickly just recap the details in there with you when we go through it with, like, the scope of the advice, what the recommendations were, and why. Basically,\n\nChannel 1: Yep.\n\nChannel 0: you were doing a conversation and a review with Kyle, and we had flagged one of your investment options was having a bit of a rough time. So we were just looking for a bit of a replacement for that option and, like, a\n\nChannel 1: Yep.\n\nChannel 0: little bit of a rebalance of your portfolio. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Cool. And I think scope wise, we were just waiting for a few months on your insurances just to have another catch up maybe when there's an anniversary and maybe reviewing the master bit of time, but the most important thing was just getting the super bit of an engine churn.\n\nChannel 1: Yeah. Nice.\n\nChannel 0: Now the reason why I wanted you to grab the appendix open first is if you go through about three, four pages, you'll see a table there with a whole\n\nChannel 1: Yep.\n\nChannel 0: bunch of blue links to all the different investment options.\n\nChannel 1: Yeah. Yeah. Yep. So that's\n\nChannel 0: So\n\nChannel 1: the s m s and t's.\n\nChannel 0: yep. That's\n\nChannel 1: Yep.\n\nChannel 0: the one. So that's all of the different investment option PDFs if you ever want a bit of light reading over weekend for about 7,000 pages of fund objectives and what they think they're good at and all the rest of it.\n\nChannel 1: Cop delete. Yep.\n\nChannel 0: Cut, delete. Perfect. Now just go down one more for me. There's a bit of a like for like comparison table.\n\nChannel 1: Yep.\n\nChannel 0: Now the reason why I've included a secondary table is because I\n\nChannel 1: Yep.\n\nChannel 0: just wanted to show you there's a bit of a comparison between just replacing the one option versus doing the full rebalance. So I just wanna make you aware of both.\n\nChannel 1: Yeah. Right. So the first one, the current one is just doing a replacement of the one that's not doing so great and then\n\nChannel 0: Yeah.\n\nChannel 1: the recommend doing everything.\n\nChannel 0: Correct. So when we just do the straight up replacement, because Benelong is an active fund, it has pretty similar fees to the Alfiniti option that Carl and I are recommending to switch it out with. And\n\nChannel 1: Yep.\n\nChannel 0: there's a slight savings in fees, but realistically, there's a huge performance difference. And\n\nChannel 1: Yeah.\n\nChannel 0: when that's a portion of your portfolio, it pretty much impacts your five year average by about 1.3%, which compounds pretty big over five, ten years, but\n\nChannel 1: Yeah.\n\nChannel 0: it it's like a 30% swing. It's pretty crazy. I'll show you inside the document, but that's just for the one option being replaced.\n\nChannel 1: Yep. Yeah. Right. Is that my current\n\nChannel 0: Now\n\nChannel 1: balance? The $1.40?\n\nChannel 0: I haven't checked it today. That's when we put the document together. It is bouncing\n\nChannel 1: Yep.\n\nChannel 0: around a lot.\n\nChannel 1: Yep.\n\nChannel 0: I actually will grab up your Netwealth in a second too, but they just do the old two factor authentication. Now\n\nChannel 1: Yep.\n\nChannel 0: would you mind pulling up that statement of advice document for me, the beachfront city attachment?\n\nChannel 1: 71. Yep.\n\nChannel 0: And it should be a little bit of a Gold Coast thing going on there.\n\nChannel 1: Lovely.\n\nChannel 0: Beautiful, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: Matches the weather perfectly.\n\nChannel 1: You\n\nChannel 0: Alrighty.\n\nChannel 1: guys are you're busy day. You're not on the go. Okay? Are you?\n\nChannel 0: No. We're on Southport. Southport and the\n\nChannel 1: Yeah.\n\nChannel 0: Gold Coast.\n\nChannel 1: You're alright.\n\nChannel 0: Yeah. If\n\nChannel 1: My house\n\nChannel 0: you\n\nChannel 1: is\n\nChannel 0: have\n\nChannel 1: fucking\n\nChannel 0: a\n\nChannel 1: good.\n\nChannel 0: flip through there oh, you used to live there or work there?\n\nChannel 1: I used to live in a long time ago, I lived in on in Southport.\n\nChannel 0: I did too. I don't live there currently, but I think it would have been thirteen years ago I last lived in Southport.\n\nChannel 1: No. I'm talking, what, thirty years ago. I was 17.\n\nChannel 0: 30. Jeez. What\n\nChannel 1: Yep.\n\nChannel 0: was it like thirty years ago? I can't can't imagine.\n\nChannel 1: I don't know if you would have changed much. The people weren't that yeah. But coming from Victoria and country boy to live in I've started living in Coon Of Badrands. No.\n\nChannel 0: Yep.\n\nChannel 1: Not Coon Of Badrands. I've been I can't even remember it. Just before one of the northern suburbs there. And\n\nChannel 0: Like, Kerbera or\n\nChannel 1: Labrador and\n\nChannel 0: Yep.\n\nChannel 1: Southport. And\n\nChannel 0: Kerbera,\n\nChannel 1: I ended\n\nChannel 0: Kerbera.\n\nChannel 1: up\n\nChannel 0: Kerbera.\n\nChannel 1: a year before I went.\n\nChannel 0: No.\n\nChannel 1: I don't really have very many nice friends here.\n\nChannel 0: Okay.\n\nChannel 1: I've\n\nChannel 0: No.\n\nChannel 1: got people\n\nChannel 0: It's\n\nChannel 1: that try and take me for a ride, but\n\nChannel 0: I think at the very least, it's built up a few extra buildings.\n\nChannel 1: yeah. Alright. I'm in here. What am I looking at?\n\nChannel 0: Cool. If you swing through pages three, four, and five, you'll just see that scope of advice repeated there about the superannuation goals being the main\n\nChannel 1: Yep.\n\nChannel 0: focus. We did include just the usual reminders, estate planning, just to get a will and power of attorney in place because I don't believe you've got that sorted yet.\n\nChannel 1: No. I haven't sorted that yet.\n\nChannel 0: Yep. And I think there was a mention that you had, like, maybe an old will that was before\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: kids\n\nChannel 1: an\n\nChannel 0: were\n\nChannel 1: old wheel\n\nChannel 0: born.\n\nChannel 1: that everything goes to potentially to children where we've done before I had children, but it does state that if anything happens to me or my wife goes to whatever equally divided between whatever children I have.\n\nChannel 0: Okay. Cool. Cool. And outside of that, again, insurances were out of scope. We weren't doing an insurance review just yet.\n\nAnd your other main main focus is cash flow, debt management, and investment. You're obviously just focusing on the business, the family,\n\nChannel 1: Yeah.\n\nChannel 0: paying down the debts, of course, and building up a bit of equity for some investing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. And I think there was a bit of a mention that we may revisit some investment ideas later, whether it's investing for the kids or personal investment or property, and just go through maybe at the next review or the year after some potential ideas and structures for you. Did that ring a bell?\n\nChannel 1: Yeah. Yeah. Definitely. I I because I'm currently doing a business plan up for expansion of my own business. And I have thought about trying to use Super to purchase a\n\nChannel 0: Like, commercial\n\nChannel 1: a\n\nChannel 0: property?\n\nChannel 1: yard or shed to set up in then I'm paying market rent to my super rather than to someone else's super.\n\nChannel 0: Yeah. The auto shed for the old business is a pretty good idea. I've done a few fancy funny little SMSF ideas, self managed super funds for people trying to get on-site property management. I've had a guy do a theme park, live in and work on the theme park. That was pretty fun.\n\nAll kinds of things\n\nChannel 1: Alright.\n\nChannel 0: you can do.\n\nChannel 1: Yeah. Yeah. So that yeah. There's definitely things that all has to come back once yeah. Once I know more about what that's still another year or so away before we'd be sort of potentially going down that road anyway.\n\nChannel 0: Yeah. Yep. Okay. So I've got a few notes there, and we'll keep that on file for the next chats.\n\nChannel 1: Yeah.\n\nChannel 0: Can you have a swing through pages seven and eight? I just wanna see if there's been any significant changes in the details we captured. I think we had just in the about you section, assets and liabilities. You're a maintenance man, self employed on about a $100\n\nChannel 1: Yep.\n\nChannel 0: with two kids.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Do\n\nChannel 1: So\n\nChannel 0: you want me to capture your email address now? I can just put it on file.\n\nChannel 1: yeah. It's andymann,nt,@gmail.com.\n\nChannel 0: So AndyMannnt@Gmail.com?\n\nChannel 1: Yep.\n\nChannel 0: And that's obviously n for Nelly, like n Northern Territory?\n\nChannel 1: Yep. Yeah. And Northern Territory. Yeah.\n\nChannel 0: Alright.\n\nChannel 1: And\n\nChannel 0: Got that.\n\nChannel 1: yeah. It all\n\nChannel 0: We've\n\nChannel 1: looks\n\nChannel 0: got\n\nChannel 1: pretty pretty\n\nChannel 0: the private cars. Yep.\n\nChannel 1: yeah. Everything looks good as it should be on those two pages.\n\nChannel 0: Sensational. Alright. So if you swing down through, you've got your Netwealth, your Neos insurance policy, which we're gonna keep an eye on that one as well, especially with price increases coming down the line.\n\nChannel 1: Yep.\n\nChannel 0: And we've got you on page 10 of the high growth investors. So, again, trying to get the high long term returns. And, of course, reduce risk when you get closer to retirement, which isn't too terribly far away, but you've still got\n\nChannel 1: Yep. That's\n\nChannel 0: a couple\n\nChannel 1: coming\n\nChannel 0: of\n\nChannel 1: quick.\n\nChannel 0: it comes around quick, but couple of cycles of growth left, and then we can start slowing things down as you approach the endpoint. That way we don't lose it all at 64. That'd be nice.\n\nChannel 1: Yep.\n\nChannel 0: Now the main thing too so when it comes to that strategy recommendation, there's a huge wall of text on page 12 under a strategy recommendation heading.\n\nChannel 1: Yeah.\n\nChannel 0: Basically, the three things are we looked at some alternative super funds, And while we did find a couple that were slightly more affordable, we're not recommending switching funds because the capital gains tax that you have to pay inside your super to switch it was\n\nChannel 1: Yep.\n\nChannel 0: coming close to $5 for a very\n\nChannel 1: Yep.\n\nChannel 0: minimal, you know, save $70 a year in fees.\n\nChannel 1: Yep.\n\nChannel 0: So that wasn't really gonna be a point. We did recommend that switch of the Benelong option through Alfiniti, which again,\n\nChannel 1: Yep.\n\nChannel 0: similar fees, much better performance. I'll show you in a second. Like for like, they're both actively managed. Alfiniti is just a little bit more broad. They're not concentrated like your Benelon option was in terms of a\n\nChannel 1: Yep.\n\nChannel 0: few shares versus a lot of shares. The rebalancing, do you remember why we do a portfolio rebalance?\n\nChannel 1: No.\n\nChannel 0: So if you've got, let's say, eight investment options and one of them is in Australian shares, one's in American, and let's say one of them is in property, one of them is in gold, what tends to happen is they all perform differently. Some of them shoot up, some of them shoot down. And let's say we originally said you should put 10% of your money into all four of those, but now one of them is fifteen and one of them is five. The whole idea of, like, buy low, sell high is we need to kind of bring your weightings back to the middle point. So it's again, I guess the buzzword is diversification, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: So the idea is you've got a lot being skewed by the big price rise in gold and things like that. We can chase returns and just keep pumping all of your contributions into just those options. But at some point, we really do just need to bring everything back to a nice spread so that you're not getting really, really weighted into one option and then it crashes and you're missing out on a buying opportunity with the other options. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Now if you go to the next page, there's a table there just basically talking about the pros and cons of those three things, which pretty much outlined already. Couple of warnings on the page afterwards. Of course, we can't control the weather, and we have factored in some capital gains tax from any switches that we do. But the main thing there is on page fifteen and sixteen.\n\nThere's another lovely blue table there for you with quite a few numbers on it.\n\nChannel 1: Yep.\n\nChannel 0: So these are all of your different investments. And what it's basically saying is if you can make out the figures, on the second third of it, there's a column called target waiting, and you can see all the percentages underneath that are, like, kind of nice round figures.\n\nChannel 1: Yep. Just hold on. I just had to get off and move away from here for a sec.\n\nChannel 0: Hang on.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So there's a column on the left, current waiting, column on the right, target waiting. And, basically, what you can see is that's where all your money is kind of sitting with all the growth and drops and things like that. And then if we do those buys and sells in the black and red, it brings you back to those nice round figures on the right.\n\nChannel 1: Yep.\n\nChannel 0: Now what that really means is if you look at, I think, the top one, battery tech and lithium, quite overweight\n\nChannel 1: Yep.\n\nChannel 0: there at 8% just in one type of share, and your option's getting wiped out to zero because that's being switched out. But about bottom third of that table, you can see your gold option was jumped all the way up to 12% of your overall\n\nChannel 1: Yep.\n\nChannel 0: super. We normally keep it at around about seven.\n\nChannel 1: Yep. Yeah. That's because gold's so good at the moment. Is\n\nChannel 0: Yeah.\n\nChannel 1: it?\n\nChannel 0: And it's one of those things where it jumped up like a 100 and something percent in twelve months, which is amazing. But, again, those things always have a bit of a pullback, and it already has. But\n\nChannel 1: Yeah.\n\nChannel 0: we can't just keep, like, riding the wave and chasing returns, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So what it basically does, the last two things I wanna show you is just on pages seventeen and eighteen, you'll see a colored pie chart for your asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: And what ended up happening was you had a huge overweighting in things like alternative assets, very little in Australian shares. And while we do favor international shares usually, we just wanna kind of bring it back to the baseline, which is that kind of thirty, fifty five, that kind of thing. Still around about that ninety three, ninety two percent growth assets because you're high growth.\n\nChannel 1: Yep.\n\nChannel 0: Now last page, that's the actual comparison of the reweight. Now that factors in $711 of superannuation capital gains tax and\n\nChannel 1: Yep.\n\nChannel 0: all the different reweights and everything. It basically looks like it comes out to the same outcome because the Benelong switch is much better performing option. But if we sell off a little bit of your battery tech, electric vehicles, and gold options, it looks it makes the past performance look a little bit worse, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So the whole idea behind the rebalance is forward looking. We're trying to get things ready for what could grow going forward, not looking in the rearview mirror trying to chase all the returns. So it looks like it's basically a 12 versus 12% average return whether you kept it the same or we rebalanced it. That's why I wanted\n\nChannel 1: Yes.\n\nChannel 0: to kind of point out those two tables.\n\nChannel 1: Yep.\n\nChannel 0: Just below it, you've got your been long option in terms of fees and your affinity, and the next page has at the bottom of the next page, it's got performance difference. Can you see, like, a very light blue table at the bottom of page\n\nChannel 1: Yep.\n\nChannel 0: 19?\n\nChannel 1: Yep.\n\nChannel 0: So the three things, if you can make it out, the Benelon option had a huge drop of about 21% in the last twelve months, and it's been negative for three and five years because of that drop. It's pulled it all the way down.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Now that replacement option we've got there, it's got ten, ten, and 8.6 over one, three, and five years,\n\nChannel 1: Yep.\n\nChannel 0: which is like a 30% swing, which is huge. But underneath it, you can see the Aussie share market benchmark, which it's been outperforming for all those time periods.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So, basically, that's\n\nChannel 1: Yep.\n\nChannel 0: the point of having an active fund is you pay a little bit higher investment fees. It's supposed to outperform the market, which it needs to do consistently. Otherwise, there's no point. And if the market's going up and your option in that space is going down, that's a red flag to replace it.\n\nChannel 1: Yep.\n\nChannel 0: Now there's usually a small performance difference between different options that are similar, but you don't want it to be that big of a swing.\n\nChannel 1: Yep.\n\nChannel 0: So does all that make sense? And I've just thrown a bunch of sort of technical jargon at you, but the reasons of why we're doing what we're doing, does it make sense to you?\n\nChannel 1: Mostly. Yeah.\n\nChannel 0: Nice. Any questions so far or anything that kind of isn't clicking?\n\nChannel 1: No. No. No. It's fine. I'm gonna spend a bit of time going over all this\n\nChannel 0: Yep.\n\nChannel 1: when I when I get a bit of time.\n\nChannel 0: Sensational. Easy done. The rest of the document pretty much just lists all of the estate planning, wills, power of attorneys, all that kind of thing. It's got the adviser fees at the bottom, the NEOS\n\nChannel 1: Yep.\n\nChannel 0: commissions, all that kind of thing. As far as steps to implement, basically, once you're happy with the plan, if you give that a sign, we can pretty much just log on to Netwealth and send some investment switch orders in to some buyers and sales. There's no other forms or anything. It's basically just the consent on the advice document.\n\nChannel 1: Yep. Yeah. Cool.\n\nChannel 0: Cool. So you're okay if I kind of leave that with you to have a bit of a read and and let us know if you\n\nChannel 1: Yep.\n\nChannel 0: have any questions?\n\nChannel 1: Yeah. I will. I will. I'll have a read of it tonight, and I'll get that signed document through.\n\nChannel 0: Cool. Mate, there was a bit of a note there around just with the Neos insurances. Were you wanting me to book you in for another catch up after the end of financial year, or did you wanna wait till the next annual review around Christmas time? What would be your preference on contact?\n\nChannel 1: Maybe another one just after the financial year would be good.\n\nChannel 0: Yep. Because I'm having a quick squeeze at your review documents there, and you need to make sure yeah. You gotta keep an eye on those premiums as well because the moment you start getting close to 50 and above,\n\nChannel 1: Yeah.\n\nChannel 0: that insurance\n\nChannel 1: Yep.\n\nChannel 0: policy is gonna start getting very close to $10,000 very quickly. So\n\nChannel 1: Yeah.\n\nChannel 0: keeping a lid on\n\nChannel 1: Yep.\n\nChannel 0: fees is another thing as well. Cool.\n\nChannel 1: Alright.\n\nChannel 0: Do you have any\n\nChannel 1: Not\n\nChannel 0: questions\n\nChannel 1: right.\n\nChannel 0: for me before I let you go, sir?\n\nChannel 1: None. None. None today.\n\nChannel 0: Cool. Again, any questions at all, just call, text, email, whatever you need. If we don't hear from you in, you know, like, a week or so, I'll just get the team to give you a buzz for a bit of a follow-up.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: thank you for your time today.\n\nChannel 1: Alright. No worries. I've just got my little man waking up, so perfect timing. Come on, mate.\n\nChannel 0: Sensational. Well, you enjoy that, mate, and I shall talk to you soon.\n\nChannel 1: Right. Sounds good.\n\nChannel 0: Thanks, Andrew. I'll see you\n\nChannel 1: Alright.\n\nChannel 0: later.\n\nChannel 1: Thanks for calling. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Andrew, Tommy here, one of the senior advisers.","start":0.0,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.06049489649012685},{"text":"Mate, thank you so much for calling back in.","start":3.6799998,"end":5.54,"sentiment":"positive","sentiment_score":0.5495731929937998}],"sentiment":"neutral","sentiment_score":0.31941870052148313,"channel":0,"num_words":17,"start":0.0,"end":5.54},{"sentences":[{"text":"No worries, Tony.","start":6.3199997,"end":7.46,"sentiment":"neutral","sentiment_score":0.2697322865327199},{"text":"How are you?","start":7.6,"end":8.42,"sentiment":"neutral","sentiment_score":0.2836504876613617}],"sentiment":"neutral","sentiment_score":0.27669138709704083,"channel":1,"num_words":6,"start":6.3199997,"end":8.42},{"sentences":[{"text":"Mate, I'm Fantastic.","start":7.9199996,"end":9.46,"sentiment":"positive","sentiment_score":0.584098885456721},{"text":"I've got a bit of an updated advice document for you.","start":9.679999,"end":12.66,"sentiment":"positive","sentiment_score":0.5956500443545255},{"text":"Yeah.","start":12.799999,"end":12.96,"sentiment":"neutral","sentiment_score":0.02073517255485058},{"text":"I'm not sure what happened.","start":12.96,"end":13.84,"sentiment":"neutral","sentiment_score":-0.14359356909990312},{"text":"I tried to call through, and it kinda went straight to voice message.","start":13.84,"end":16.335,"sentiment":"neutral","sentiment_score":-0.15084925752419692}],"sentiment":"neutral","sentiment_score":0.17109618556093087,"channel":0,"num_words":33,"start":7.9199996,"end":16.335},{"sentences":[{"text":"I thought best to reach you via text.","start":16.335,"end":18.175,"sentiment":"neutral","sentiment_score":-0.05784120783209801},{"text":"So thank you.","start":18.175,"end":18.994999,"sentiment":"neutral","sentiment_score":0.20724737644195557}],"sentiment":"neutral","sentiment_score":0.014455678788098421,"channel":0,"num_words":11,"start":16.335,"end":18.994999},{"sentences":[{"text":"Yeah.","start":19.064999,"end":19.465,"sentiment":"neutral","sentiment_score":-0.016803227365016937},{"text":"Yeah.","start":19.465,"end":19.785,"sentiment":"neutral","sentiment_score":-0.03555624932050705},{"text":"I've I've just changed providers on my phone recently, and apparently, there's a voice I don't like voice mail.","start":19.785,"end":29.884998,"sentiment":"neutral","sentiment_score":-0.14591159240195625},{"text":"So that's why I leave it blank so that people go, okay.","start":30.425,"end":32.9,"sentiment":"neutral","sentiment_score":-0.12987776659429073},{"text":"Maybe I'll just text.","start":32.9,"end":34.12,"sentiment":"neutral","sentiment_score":-0.09015764109790325}],"sentiment":"neutral","sentiment_score":-0.12821198637421066,"channel":1,"num_words":37,"start":19.064999,"end":34.12},{"sentences":[{"text":"Because","start":34.579998,"end":35.079998,"sentiment":"neutral","sentiment_score":-0.0686292052268982}],"sentiment":"neutral","sentiment_score":-0.0686292052268982,"channel":1,"num_words":1,"start":34.579998,"end":35.079998},{"sentences":[{"text":"Yeah.","start":35.07,"end":35.57,"sentiment":"neutral","sentiment_score":-0.054774172604084015}],"sentiment":"neutral","sentiment_score":-0.054774172604084015,"channel":0,"num_words":1,"start":35.07,"end":35.57},{"sentences":[{"text":"I'd never if I leave have voice mail there, people leave leave voice mails, and then I never look at them or listen","start":35.14,"end":43.14,"sentiment":"neutral","sentiment_score":-0.1039447541470113}],"sentiment":"neutral","sentiment_score":-0.1039447541470113,"channel":1,"num_words":23,"start":35.14,"end":43.14},{"sentences":[{"text":"Yeah.","start":43.085,"end":43.585,"sentiment":"neutral","sentiment_score":-0.028182482346892357}],"sentiment":"neutral","sentiment_score":-0.028182482346892357,"channel":0,"num_words":1,"start":43.085,"end":43.585},{"sentences":[{"text":"to them and can","start":43.14,"end":44.575,"sentiment":"neutral","sentiment_score":-0.016900819493457675}],"sentiment":"neutral","sentiment_score":-0.016900819493457675,"channel":1,"num_words":4,"start":43.14,"end":44.575},{"sentences":[{"text":"No.","start":44.364998,"end":44.524998,"sentiment":"neutral","sentiment_score":-0.1032957136631012},{"text":"That's","start":44.524998,"end":44.925,"sentiment":"neutral","sentiment_score":-0.16929475963115692}],"sentiment":"neutral","sentiment_score":-0.13629523664712906,"channel":0,"num_words":2,"start":44.364998,"end":44.925},{"sentences":[{"text":"get me","start":44.575,"end":44.895,"sentiment":"neutral","sentiment_score":-0.19564709812402725}],"sentiment":"neutral","sentiment_score":-0.19564709812402725,"channel":1,"num_words":2,"start":44.575,"end":44.895},{"sentences":[{"text":"fair.","start":44.925,"end":45.425,"sentiment":"neutral","sentiment_score":-0.17249959707260132}],"sentiment":"neutral","sentiment_score":-0.17249959707260132,"channel":0,"num_words":1,"start":44.925,"end":45.425},{"sentences":[{"text":"I must put I must put a message on there saying that they're ringing, please contact me by text message.","start":44.975,"end":50.114998,"sentiment":"neutral","sentiment_score":-0.09458485543727875}],"sentiment":"neutral","sentiment_score":-0.09458485543727875,"channel":1,"num_words":20,"start":44.975,"end":50.114998},{"sentences":[{"text":"No worries at all.","start":50.684998,"end":51.565,"sentiment":"neutral","sentiment_score":-0.02086384128779173},{"text":"No.","start":51.565,"end":51.725,"sentiment":"neutral","sentiment_score":-0.0658220648765564},{"text":"I worked it out alright.","start":51.725,"end":52.864998,"sentiment":"neutral","sentiment_score":-0.060496604442596434},{"text":"But what threw me was a lot of people with iPhones these days have this call filtering where you're supposed to state, like, who you are and it tries to call through a second time.","start":53.0,"end":61.82,"sentiment":"neutral","sentiment_score":-0.26959413353885925},{"text":"And","start":62.12,"end":62.6,"sentiment":"neutral","sentiment_score":-0.14989249408245087}],"sentiment":"neutral","sentiment_score":-0.2182053830474615,"channel":0,"num_words":46,"start":50.684998,"end":62.6},{"sentences":[{"text":"Yeah.","start":62.58,"end":62.980003,"sentiment":"neutral","sentiment_score":-0.1646869033575058}],"sentiment":"neutral","sentiment_score":-0.1646869033575058,"channel":1,"num_words":1,"start":62.58,"end":62.980003},{"sentences":[{"text":"I thought","start":62.6,"end":63.0,"sentiment":"neutral","sentiment_score":-0.19925947487354279}],"sentiment":"neutral","sentiment_score":-0.19925947487354279,"channel":0,"num_words":2,"start":62.6,"end":63.0},{"sentences":[{"text":"I've","start":62.980003,"end":63.480003,"sentiment":"neutral","sentiment_score":-0.210320383310318}],"sentiment":"neutral","sentiment_score":-0.210320383310318,"channel":1,"num_words":1,"start":62.980003,"end":63.480003},{"sentences":[{"text":"that was it,","start":63.0,"end":63.559998,"sentiment":"neutral","sentiment_score":-0.22654070456822714}],"sentiment":"neutral","sentiment_score":-0.22654070456822714,"channel":0,"num_words":3,"start":63.0,"end":63.559998},{"sentences":[{"text":"come","start":63.54,"end":63.7,"sentiment":"neutral","sentiment_score":-0.24189268052577972}],"sentiment":"neutral","sentiment_score":-0.24189268052577972,"channel":1,"num_words":1,"start":63.54,"end":63.7},{"sentences":[{"text":"but","start":63.559998,"end":63.719997,"sentiment":"neutral","sentiment_score":-0.17978335916996002}],"sentiment":"neutral","sentiment_score":-0.17978335916996002,"channel":0,"num_words":1,"start":63.559998,"end":63.719997},{"sentences":[{"text":"up","start":63.7,"end":63.86,"sentiment":"neutral","sentiment_score":-0.22783301770687103}],"sentiment":"neutral","sentiment_score":-0.22783301770687103,"channel":1,"num_words":1,"start":63.7,"end":63.86},{"sentences":[{"text":"it","start":63.719997,"end":63.879997,"sentiment":"neutral","sentiment_score":-0.2537747919559479}],"sentiment":"neutral","sentiment_score":-0.2537747919559479,"channel":0,"num_words":1,"start":63.719997,"end":63.879997},{"sentences":[{"text":"against","start":63.86,"end":64.26,"sentiment":"neutral","sentiment_score":-0.25682157278060913}],"sentiment":"neutral","sentiment_score":-0.25682157278060913,"channel":1,"num_words":1,"start":63.86,"end":64.26},{"sentences":[{"text":"didn't 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overall","start":971.39,"end":978.48505,"sentiment":"neutral","sentiment_score":0.17579190339893103}],"sentiment":"neutral","sentiment_score":0.024680734166632527,"channel":0,"num_words":46,"start":963.87,"end":978.48505},{"sentences":[{"text":"Yep.","start":978.065,"end":978.48,"sentiment":"neutral","sentiment_score":0.12580113112926483}],"sentiment":"neutral","sentiment_score":0.12580113112926483,"channel":1,"num_words":1,"start":978.065,"end":978.48},{"sentences":[{"text":"super.","start":978.48505,"end":978.98505,"sentiment":"neutral","sentiment_score":0.12376841902732848},{"text":"We normally keep it at around about seven.","start":979.04504,"end":981.145,"sentiment":"neutral","sentiment_score":0.10566509887576103}],"sentiment":"neutral","sentiment_score":0.10767657889260186,"channel":0,"num_words":9,"start":978.48505,"end":981.145},{"sentences":[{"text":"Yep.","start":984.39996,"end":984.72,"sentiment":"neutral","sentiment_score":0.19752827286720276},{"text":"Yeah.","start":984.72,"end":985.04,"sentiment":"neutral","sentiment_score":0.2663050889968872},{"text":"That's because gold's so good at the 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amazing.","start":988.26,"end":995.63995,"sentiment":"neutral","sentiment_score":0.3153981552882628},{"text":"But, again, those things always have a bit of a pullback, and it already has.","start":996.1,"end":1000.04,"sentiment":"neutral","sentiment_score":-0.20183401902516682},{"text":"But","start":1000.345,"end":1000.845,"sentiment":"neutral","sentiment_score":-0.10759063810110092}],"sentiment":"neutral","sentiment_score":0.10009627612797838,"channel":0,"num_words":38,"start":988.26,"end":1000.845},{"sentences":[{"text":"Yeah.","start":1000.425,"end":1000.925,"sentiment":"neutral","sentiment_score":-0.13712424039840698}],"sentiment":"neutral","sentiment_score":-0.13712424039840698,"channel":1,"num_words":1,"start":1000.425,"end":1000.925},{"sentences":[{"text":"we can't just keep, like, riding the wave and chasing returns, if that makes sense.","start":1001.225,"end":1005.325,"sentiment":"neutral","sentiment_score":-0.16598208546638488}],"sentiment":"neutral","sentiment_score":-0.16598208546638488,"channel":0,"num_words":15,"start":1001.225,"end":1005.325},{"sentences":[{"text":"Yep.","start":1006.905,"end":1007.405,"sentiment":"neutral","sentiment_score":0.02929411642253399}],"sentiment":"neutral","sentiment_score":0.02929411642253399,"channel":1,"num_words":1,"start":1006.905,"end":1007.405},{"sentences":[{"text":"So what it basically does, the last two things I wanna show you is just on pages seventeen and eighteen, you'll see a colored pie chart for your asset allocation.","start":1008.105,"end":1016.87,"sentiment":"neutral","sentiment_score":0.037502669356763364}],"sentiment":"neutral","sentiment_score":0.037502669356763364,"channel":0,"num_words":30,"start":1008.105,"end":1016.87},{"sentences":[{"text":"Yep.","start":1019.6,"end":1020.1,"sentiment":"neutral","sentiment_score":0.012075777165591717}],"sentiment":"neutral","sentiment_score":0.012075777165591717,"channel":1,"num_words":1,"start":1019.6,"end":1020.1},{"sentences":[{"text":"And what ended up happening was you had a huge overweighting in things like alternative assets, very little in Australian shares.","start":1020.61,"end":1028.23,"sentiment":"neutral","sentiment_score":-0.12168035673953238},{"text":"And while we do favor international shares usually, we just wanna kind of bring it back to the baseline, which is that kind of thirty, fifty five, that kind of thing.","start":1028.605,"end":1039.105,"sentiment":"neutral","sentiment_score":-0.03287620445893657},{"text":"Still around about that ninety three, ninety two percent growth assets because you're high growth.","start":1039.485,"end":1044.42,"sentiment":"neutral","sentiment_score":0.03165230378508568}],"sentiment":"neutral","sentiment_score":-0.04626366079076013,"channel":0,"num_words":67,"start":1020.61,"end":1044.42},{"sentences":[{"text":"Yep.","start":1045.51,"end":1046.01,"sentiment":"neutral","sentiment_score":0.03519151732325554}],"sentiment":"neutral","sentiment_score":0.03519151732325554,"channel":1,"num_words":1,"start":1045.51,"end":1046.01},{"sentences":[{"text":"Now last page, that's the actual comparison of the reweight.","start":1047.2201,"end":1050.52,"sentiment":"neutral","sentiment_score":0.014367809798568488},{"text":"Now that factors in $711 of superannuation capital gains tax and","start":1050.9,"end":1057.4249,"sentiment":"neutral","sentiment_score":0.017552063885060223}],"sentiment":"neutral","sentiment_score":0.016035752415302255,"channel":0,"num_words":21,"start":1047.2201,"end":1057.4249},{"sentences":[{"text":"Yep.","start":1057.265,"end":1057.765,"sentiment":"neutral","sentiment_score":0.011689459905028343}],"sentiment":"neutral","sentiment_score":0.011689459905028343,"channel":1,"num_words":1,"start":1057.265,"end":1057.765},{"sentences":[{"text":"all the different reweights and everything.","start":1057.4249,"end":1059.205,"sentiment":"neutral","sentiment_score":0.020988729782402515},{"text":"It basically looks like it comes out to the same outcome because the Benelong switch is much better performing option.","start":1059.345,"end":1066.965,"sentiment":"neutral","sentiment_score":0.06781999692320824},{"text":"But if we sell off a little bit of your battery tech, electric vehicles, and gold options, it looks it makes the past performance look a little bit worse, if that makes sense.","start":1067.1849,"end":1078.1799,"sentiment":"negative","sentiment_score":-0.3656054333303914}],"sentiment":"neutral","sentiment_score":-0.17936689801261588,"channel":0,"num_words":59,"start":1057.4249,"end":1078.1799},{"sentences":[{"text":"Yep.","start":1078.4401,"end":1078.9401,"sentiment":"neutral","sentiment_score":-0.04877963662147522}],"sentiment":"neutral","sentiment_score":-0.04877963662147522,"channel":1,"num_words":1,"start":1078.4401,"end":1078.9401},{"sentences":[{"text":"So the whole idea behind the rebalance is forward looking.","start":1079.44,"end":1082.2599,"sentiment":"neutral","sentiment_score":0.207794888317585},{"text":"We're trying to get things ready for what could grow going forward, not looking in the rearview mirror trying to chase all the returns.","start":1082.32,"end":1089.545,"sentiment":"neutral","sentiment_score":0.24966308598717055},{"text":"So it looks like it's basically a 12 versus 12% average return whether you kept it the same or we rebalanced it.","start":1089.545,"end":1096.505,"sentiment":"neutral","sentiment_score":0.23475044627081265},{"text":"That's why I wanted","start":1096.505,"end":1097.385,"sentiment":"neutral","sentiment_score":0.1745457835495472}],"sentiment":"neutral","sentiment_score":0.23220926498373348,"channel":0,"num_words":60,"start":1079.44,"end":1097.385},{"sentences":[{"text":"Yes.","start":1097.14,"end":1097.64,"sentiment":"neutral","sentiment_score":0.15396243333816528}],"sentiment":"neutral","sentiment_score":0.15396243333816528,"channel":1,"num_words":1,"start":1097.14,"end":1097.64},{"sentences":[{"text":"to kind of point out those two 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years,","start":1129.3501,"end":1136.5701,"sentiment":"neutral","sentiment_score":0.03776007733846966}],"sentiment":"neutral","sentiment_score":0.03776007733846966,"channel":0,"num_words":19,"start":1129.3501,"end":1136.5701},{"sentences":[{"text":"Yep.","start":1136.325,"end":1136.825,"sentiment":"neutral","sentiment_score":0.10078095644712448}],"sentiment":"neutral","sentiment_score":0.10078095644712448,"channel":1,"num_words":1,"start":1136.325,"end":1136.825},{"sentences":[{"text":"which is like a 30% swing, which is huge.","start":1136.79,"end":1140.01,"sentiment":"neutral","sentiment_score":0.10678253405623966},{"text":"But underneath it, you can see the Aussie share market benchmark, which it's been outperforming for all those time 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that's","start":1148.495,"end":1149.295,"sentiment":"neutral","sentiment_score":0.04579458634058634}],"sentiment":"neutral","sentiment_score":0.04579458634058634,"channel":0,"num_words":3,"start":1148.495,"end":1149.295},{"sentences":[{"text":"Yep.","start":1149.25,"end":1149.75,"sentiment":"neutral","sentiment_score":0.0734802708029747}],"sentiment":"neutral","sentiment_score":0.0734802708029747,"channel":1,"num_words":1,"start":1149.25,"end":1149.75},{"sentences":[{"text":"the point of having an active fund is you pay a little bit higher investment fees.","start":1149.295,"end":1152.735,"sentiment":"neutral","sentiment_score":0.09925718326121569},{"text":"It's supposed to outperform the market, which it needs to do consistently.","start":1152.735,"end":1156.3,"sentiment":"neutral","sentiment_score":0.14941815255830684},{"text":"Otherwise, there's no point.","start":1156.4401,"end":1157.74,"sentiment":"neutral","sentiment_score":-0.2853681817650795},{"text":"And if the market's going up and your option in that space is going down, that's a red flag to replace it.","start":1157.96,"end":1163.66,"sentiment":"neutral","sentiment_score":-0.22502379661256616}],"sentiment":"neutral","sentiment_score":-0.05020117573440075,"channel":0,"num_words":54,"start":1149.295,"end":1163.66},{"sentences":[{"text":"Yep.","start":1164.2899,"end":1164.7899,"sentiment":"neutral","sentiment_score":-0.013659205287694933}],"sentiment":"neutral","sentiment_score":-0.013659205287694933,"channel":1,"num_words":1,"start":1164.2899,"end":1164.7899},{"sentences":[{"text":"Now there's usually a small performance difference between different options that are similar, but you don't want it to be that big of a 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clicking?","start":1187.4099,"end":1190.23,"sentiment":"neutral","sentiment_score":-0.11693744632330808}],"sentiment":"neutral","sentiment_score":-0.09468646223346393,"channel":0,"num_words":12,"start":1187.01,"end":1190.23},{"sentences":[{"text":"No.","start":1190.795,"end":1191.115,"sentiment":"neutral","sentiment_score":-0.2426039427518845},{"text":"No.","start":1191.115,"end":1191.275,"sentiment":"neutral","sentiment_score":-0.21281692385673523},{"text":"No.","start":1191.275,"end":1191.4349,"sentiment":"neutral","sentiment_score":-0.18450842797756195},{"text":"It's fine.","start":1191.4349,"end":1191.995,"sentiment":"neutral","sentiment_score":-0.006454797461628914},{"text":"I'm gonna spend a bit of time going over all 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the document pretty much just lists all of the estate planning, wills, power of attorneys, all that kind of thing.","start":1201.345,"end":1207.1849,"sentiment":"neutral","sentiment_score":0.25982493874819385},{"text":"It's got the adviser fees at the bottom, the NEOS","start":1207.1849,"end":1211.33,"sentiment":"neutral","sentiment_score":0.2026978388428688}],"sentiment":"neutral","sentiment_score":0.26265376723474926,"channel":0,"num_words":36,"start":1200.065,"end":1211.33},{"sentences":[{"text":"Yep.","start":1211.24,"end":1211.74,"sentiment":"neutral","sentiment_score":0.1808711737394333}],"sentiment":"neutral","sentiment_score":0.1808711737394333,"channel":1,"num_words":1,"start":1211.24,"end":1211.74},{"sentences":[{"text":"commissions, all that kind of thing.","start":1211.33,"end":1212.95,"sentiment":"neutral","sentiment_score":0.22386448830366135},{"text":"As far as steps to implement, basically, once you're happy with the plan, if you give that a sign, we can pretty much just log on to Netwealth and send some investment switch orders in to some buyers and sales.","start":1213.0099,"end":1225.5349,"sentiment":"neutral","sentiment_score":0.24685925878584386},{"text":"There's no other forms or anything.","start":1225.755,"end":1227.355,"sentiment":"neutral","sentiment_score":0.016673161337773006},{"text":"It's basically just the consent on the advice 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you","start":1232.075,"end":1235.835,"sentiment":"neutral","sentiment_score":0.31302903771400453}],"sentiment":"neutral","sentiment_score":0.3170812049737343,"channel":0,"num_words":26,"start":1231.6749,"end":1235.835},{"sentences":[{"text":"Yep.","start":1235.76,"end":1236.26,"sentiment":"neutral","sentiment_score":0.13103407621383667}],"sentiment":"neutral","sentiment_score":0.13103407621383667,"channel":1,"num_words":1,"start":1235.76,"end":1236.26},{"sentences":[{"text":"have any questions?","start":1235.835,"end":1236.575,"sentiment":"neutral","sentiment_score":0.0745164230465889}],"sentiment":"neutral","sentiment_score":0.0745164230465889,"channel":0,"num_words":3,"start":1235.835,"end":1236.575},{"sentences":[{"text":"Yeah.","start":1236.9601,"end":1237.28,"sentiment":"neutral","sentiment_score":0.14988704025745392},{"text":"I will.","start":1237.28,"end":1237.76,"sentiment":"neutral","sentiment_score":0.187747485935688},{"text":"I will.","start":1237.76,"end":1238.0801,"sentiment":"neutral","sentiment_score":0.2073613777756691},{"text":"I'll have a read of it tonight, and I'll get that signed document through.","start":1238.0801,"end":1242.3401,"sentiment":"neutral","sentiment_score":0.25041923246213366}],"sentiment":"neutral","sentiment_score":0.23399863274473892,"channel":1,"num_words":19,"start":1236.9601,"end":1242.3401},{"sentences":[{"text":"Cool.","start":1242.7001,"end":1243.2001,"sentiment":"neutral","sentiment_score":0.30233949422836304},{"text":"Mate, there was a bit of a note there around just with the Neos insurances.","start":1243.66,"end":1248.24,"sentiment":"neutral","sentiment_score":0.13563364495833716},{"text":"Were you wanting me to book you in for another catch up after the end of financial year, or did you wanna wait till the next annual review around Christmas time?","start":1248.62,"end":1256.595,"sentiment":"neutral","sentiment_score":0.10630583474712987},{"text":"What would be your preference on contact?","start":1256.815,"end":1258.675,"sentiment":"neutral","sentiment_score":0.06067563806261335}],"sentiment":"neutral","sentiment_score":0.11216767615190258,"channel":0,"num_words":54,"start":1242.7001,"end":1258.675},{"sentences":[{"text":"Maybe another one just after the financial year would be good.","start":1259.255,"end":1262.555,"sentiment":"neutral","sentiment_score":0.1228893527930433}],"sentiment":"neutral","sentiment_score":0.1228893527930433,"channel":1,"num_words":11,"start":1259.255,"end":1262.555},{"sentences":[{"text":"Yep.","start":1262.975,"end":1263.39,"sentiment":"neutral","sentiment_score":0.13186174631118774},{"text":"Because I'm having a quick squeeze at your review documents there, and you need to make sure yeah.","start":1263.79,"end":1272.83,"sentiment":"neutral","sentiment_score":0.15365490482913124},{"text":"You gotta keep an eye on those premiums as well because the moment you start getting close to 50 and above,","start":1272.83,"end":1277.49,"sentiment":"neutral","sentiment_score":0.1363076049657095}],"sentiment":"neutral","sentiment_score":0.14400274343788624,"channel":0,"num_words":40,"start":1262.975,"end":1277.49},{"sentences":[{"text":"Yeah.","start":1278.24,"end":1278.74,"sentiment":"neutral","sentiment_score":0.142775297164917}],"sentiment":"neutral","sentiment_score":0.142775297164917,"channel":1,"num_words":1,"start":1278.24,"end":1278.74},{"sentences":[{"text":"that insurance","start":1278.545,"end":1279.345,"sentiment":"neutral","sentiment_score":0.1571495532989502}],"sentiment":"neutral","sentiment_score":0.1571495532989502,"channel":0,"num_words":2,"start":1278.545,"end":1279.345},{"sentences":[{"text":"Yep.","start":1278.88,"end":1279.155,"sentiment":"neutral","sentiment_score":0.1690807193517685}],"sentiment":"neutral","sentiment_score":0.1690807193517685,"channel":1,"num_words":1,"start":1278.88,"end":1279.155},{"sentences":[{"text":"policy is gonna start getting very close to $10,000 very quickly.","start":1279.345,"end":1282.885,"sentiment":"neutral","sentiment_score":0.2544294135137038},{"text":"So","start":1283.1849,"end":1283.6849,"sentiment":"neutral","sentiment_score":0.16280917823314667}],"sentiment":"neutral","sentiment_score":0.24679439390699068,"channel":0,"num_words":12,"start":1279.345,"end":1283.6849},{"sentences":[{"text":"Yeah.","start":1283.235,"end":1283.735,"sentiment":"neutral","sentiment_score":0.16694873571395874}],"sentiment":"neutral","sentiment_score":0.16694873571395874,"channel":1,"num_words":1,"start":1283.235,"end":1283.735},{"sentences":[{"text":"keeping a lid on","start":1284.225,"end":1285.345,"sentiment":"neutral","sentiment_score":0.15190673246979713}],"sentiment":"neutral","sentiment_score":0.15190673246979713,"channel":0,"num_words":4,"start":1284.225,"end":1285.345},{"sentences":[{"text":"Yep.","start":1285.0751,"end":1285.5751,"sentiment":"neutral","sentiment_score":0.13243311643600464}],"sentiment":"neutral","sentiment_score":0.13243311643600464,"channel":1,"num_words":1,"start":1285.0751,"end":1285.5751},{"sentences":[{"text":"fees is another thing as well.","start":1285.345,"end":1287.125,"sentiment":"neutral","sentiment_score":0.18164106210072836},{"text":"Cool.","start":1288.865,"end":1289.265,"sentiment":"neutral","sentiment_score":0.2414010465145111}],"sentiment":"neutral","sentiment_score":0.19017820273126876,"channel":0,"num_words":7,"start":1285.345,"end":1289.265},{"sentences":[{"text":"Alright.","start":1289.0751,"end":1289.5751,"sentiment":"neutral","sentiment_score":0.1440168470144272}],"sentiment":"neutral","sentiment_score":0.1440168470144272,"channel":1,"num_words":1,"start":1289.0751,"end":1289.5751},{"sentences":[{"text":"Do you have any","start":1289.265,"end":1289.825,"sentiment":"neutral","sentiment_score":0.06582801416516304}],"sentiment":"neutral","sentiment_score":0.06582801416516304,"channel":0,"num_words":4,"start":1289.265,"end":1289.825},{"sentences":[{"text":"Not","start":1289.7151,"end":1289.875,"sentiment":"neutral","sentiment_score":0.0032441504299640656}],"sentiment":"neutral","sentiment_score":0.0032441504299640656,"channel":1,"num_words":1,"start":1289.7151,"end":1289.875},{"sentences":[{"text":"questions","start":1289.825,"end":1290.145,"sentiment":"neutral","sentiment_score":-0.02059614658355713}],"sentiment":"neutral","sentiment_score":-0.02059614658355713,"channel":0,"num_words":1,"start":1289.825,"end":1290.145},{"sentences":[{"text":"right.","start":1289.875,"end":1290.375,"sentiment":"neutral","sentiment_score":-0.0004270970821380615}],"sentiment":"neutral","sentiment_score":-0.0004270970821380615,"channel":1,"num_words":1,"start":1289.875,"end":1290.375},{"sentences":[{"text":"for me before I let you go, sir?","start":1290.145,"end":1291.59,"sentiment":"neutral","sentiment_score":0.003184465691447258}],"sentiment":"neutral","sentiment_score":0.003184465691447258,"channel":0,"num_words":8,"start":1290.145,"end":1291.59},{"sentences":[{"text":"None.","start":1292.115,"end":1292.615,"sentiment":"neutral","sentiment_score":-0.07562706619501114},{"text":"None.","start":1292.675,"end":1293.15,"sentiment":"neutral","sentiment_score":-0.06732749938964844},{"text":"None today.","start":1293.23,"end":1294.05,"sentiment":"neutral","sentiment_score":-0.02102896384894848}],"sentiment":"neutral","sentiment_score":-0.04625312332063913,"channel":1,"num_words":4,"start":1292.115,"end":1294.05},{"sentences":[{"text":"Cool.","start":1294.5499,"end":1295.0499,"sentiment":"neutral","sentiment_score":0.19543394446372983},{"text":"Again, any questions at all, just call, text, email, whatever you need.","start":1296.07,"end":1299.59,"sentiment":"neutral","sentiment_score":0.2528707745174567},{"text":"If we don't hear from you in, you know, like, a week or so, I'll just get the team to give you a buzz for a bit of a follow-up.","start":1299.59,"end":1304.65,"sentiment":"neutral","sentiment_score":-0.07300498262047768}],"sentiment":"neutral","sentiment_score":0.024179854885090227,"channel":0,"num_words":43,"start":1294.5499,"end":1304.65},{"sentences":[{"text":"Yep.","start":1304.59,"end":1305.09,"sentiment":"neutral","sentiment_score":0.13900867104530334}],"sentiment":"neutral","sentiment_score":0.13900867104530334,"channel":1,"num_words":1,"start":1304.59,"end":1305.09},{"sentences":[{"text":"And","start":1304.87,"end":1305.37,"sentiment":"neutral","sentiment_score":0.23621594905853271}],"sentiment":"neutral","sentiment_score":0.23621594905853271,"channel":0,"num_words":1,"start":1304.87,"end":1305.37},{"sentences":[{"text":"Yep.","start":1305.31,"end":1305.81,"sentiment":"neutral","sentiment_score":0.20599251985549927}],"sentiment":"neutral","sentiment_score":0.20599251985549927,"channel":1,"num_words":1,"start":1305.31,"end":1305.81},{"sentences":[{"text":"thank you for your time today.","start":1306.07,"end":1307.45,"sentiment":"positive","sentiment_score":0.7191511491934458}],"sentiment":"positive","sentiment_score":0.7191511491934458,"channel":0,"num_words":6,"start":1306.07,"end":1307.45},{"sentences":[{"text":"Alright.","start":1308.205,"end":1308.525,"sentiment":"positive","sentiment_score":0.3714456558227539},{"text":"No worries.","start":1308.525,"end":1309.005,"sentiment":"neutral","sentiment_score":0.29630693793296814},{"text":"I've just got my little man waking up, so perfect timing.","start":1309.005,"end":1311.985,"sentiment":"positive","sentiment_score":0.5620688145810907},{"text":"Come on, mate.","start":1313.005,"end":1313.905,"sentiment":"positive","sentiment_score":0.4333190321922302}],"sentiment":"positive","sentiment_score":0.4968690346269047,"channel":1,"num_words":17,"start":1308.205,"end":1313.905},{"sentences":[{"text":"Sensational.","start":1313.4548,"end":1313.9548,"sentiment":"positive","sentiment_score":0.40475139021873474},{"text":"Well, you enjoy that, mate, and I shall talk to you soon.","start":1314.5748,"end":1317.7148,"sentiment":"positive","sentiment_score":0.6603668828805288}],"sentiment":"positive","sentiment_score":0.6407041526757754,"channel":0,"num_words":13,"start":1313.4548,"end":1317.7148},{"sentences":[{"text":"Right.","start":1318.045,"end":1318.365,"sentiment":"positive","sentiment_score":0.5428546071052551},{"text":"Sounds good.","start":1318.365,"end":1319.265,"sentiment":"positive","sentiment_score":0.7462232112884521}],"sentiment":"positive","sentiment_score":0.6784336765607198,"channel":1,"num_words":3,"start":1318.045,"end":1319.265},{"sentences":[{"text":"Thanks, Andrew.","start":1319.2948,"end":1320.0948,"sentiment":"positive","sentiment_score":0.7119154334068298},{"text":"I'll see you","start":1320.0948,"end":1320.4949,"sentiment":"positive","sentiment_score":0.49429558714230853}],"sentiment":"positive","sentiment_score":0.5813435256481171,"channel":0,"num_words":5,"start":1319.2948,"end":1320.4949},{"sentences":[{"text":"Alright.","start":1320.425,"end":1320.745,"sentiment":"neutral","sentiment_score":0.2384718358516693}],"sentiment":"neutral","sentiment_score":0.2384718358516693,"channel":1,"num_words":1,"start":1320.425,"end":1320.745},{"sentences":[{"text":"later.","start":1320.4949,"end":1320.9949,"sentiment":"positive","sentiment_score":0.3972652852535248}],"sentiment":"positive","sentiment_score":0.3972652852535248,"channel":0,"num_words":1,"start":1320.4949,"end":1320.9949},{"sentences":[{"text":"Thanks for calling.","start":1320.745,"end":1321.565,"sentiment":"positive","sentiment_score":0.6496419906616211},{"text":"Bye.","start":1321.785,"end":1322.285,"sentiment":"positive","sentiment_score":0.3854603171348572}],"sentiment":"positive","sentiment_score":0.5835965722799301,"channel":1,"num_words":4,"start":1320.745,"end":1322.285},{"sentences":[{"text":"Bye.","start":1322.0148,"end":1322.5148,"sentiment":"neutral","sentiment_score":-0.12202110886573792}],"sentiment":"neutral","sentiment_score":-0.12202110886573792,"channel":0,"num_words":1,"start":1322.0148,"end":1322.5148}]},"summary":{"result":"success","short":"The representative explains that the new O anniversary system may cause spam calls and recommends a replacement option. They also discuss retirement goals and savings for the portfolio, including a business plan expansion. The speaker emphasizes the importance of diversification and bringing weightings back to the middle point, and provides a statement of advice document. They also discuss estate planning, power of attorneys, and the process of implementing the review process. The speaker emphasizes the need to keep an eye on premiums and review documents, and mentions a follow-up call after the financial year."},"intents":{"segments":[{"text":"I've got a bit of an updated advice document for you. Yeah.","start_word":26,"end_word":37,"intents":[{"intent":"Update advice document","confidence_score":0.17120796}]},{"text":"I've I've just changed providers on my phone recently, and apparently, there's a voice I don't like voice mail. So that's why I leave it blank so that people go, okay. Maybe I'll just text. Because Yeah.","start_word":69,"end_word":105,"intents":[{"intent":"Change providers","confidence_score":0.07954756}]},{"text":"The whole world's going weird, but everyone's just trying to avoid spam and telemarketers, mate, so I don't blame them. Yeah.","start_word":231,"end_word":251,"intents":[{"intent":"Avoid spam and telemarketers","confidence_score":0.13654281}]},{"text":"Just can I bring up my I will email Yep. Now the same just before time? I pop that email through to you, I just need to quickly confirm that you're okay for these calls to be recorded. Yeah.","start_word":263,"end_word":301,"intents":[{"intent":"Get confirmation email","confidence_score":0.00049351674}]},{"text":"So I'm registered with Asik as adviser 1273105.","start_word":315,"end_word":322,"intents":[{"intent":"Confirm registration","confidence_score":0.049038906}]},{"text":"Now do you want me to update email address for next Yeah. time? Or Please.","start_word":431,"end_word":445,"intents":[{"intent":"Update email address","confidence_score":0.27788472}]},{"text":"I'm just wondering if you can see SOA appendix.","start_word":543,"end_word":551,"intents":[{"intent":"Access soa appendix","confidence_score":0.21100426}]},{"text":"So in the statement of advice, I'm gonna quickly just recap the details in there with you when we go through it with, like, the scope of the advice, what the recommendations were, and why. Basically, Yep.","start_word":624,"end_word":660,"intents":[{"intent":"Recap details","confidence_score":0.367952}]},{"text":"when that's a portion of your portfolio, it pretty much impacts your five year average by about 1.3%, which compounds pretty big over five, ten years, but Yeah.","start_word":1022,"end_word":1049,"intents":[{"intent":"Discuss portfolio impact","confidence_score":0.055277638}]},{"text":"And I think there was a bit of a mention that we may revisit some investment ideas later, whether it's investing for the kids or personal investment or property, and just go through maybe at the next review or the year after some potential ideas and structures for you.","start_word":1591,"end_word":1639,"intents":[{"intent":"Review investments","confidence_score":0.022914493}]},{"text":"Some of them shoot up, some of them shoot down. And let's say we originally said you should put 10% of your money into all four of those, but now one of them is fifteen and one of them is five. The whole idea of, like, buy low, sell high is we need to kind of bring your weightings back to the middle point. So it's again, I guess the buzzword is diversification, if that makes sense. Yes.","start_word":2288,"end_word":2365,"intents":[{"intent":"Analyze investment decisions","confidence_score":0.0013634909}]},{"text":"So what it basically does, the last two things I wanna show you is just on pages seventeen and eighteen, you'll see a colored pie chart for your asset allocation.","start_word":2823,"end_word":2852,"intents":[{"intent":"Analyze asset allocation and reweight portfolios","confidence_score":0.00005962385}]},{"text":"So the whole idea behind the rebalance is forward looking. We're trying to get things ready for what could grow going forward, not looking in the rearview mirror trying to chase all the returns. So it looks like it's basically a 12 versus 12% average return whether you kept it the same or we rebalanced it. That's why I wanted Yes.","start_word":3005,"end_word":3065,"intents":[{"intent":"Improve rebalance strategy","confidence_score":0.000017185263}]},{"text":"Do you have any Not questions right. for me before I let you go, sir? None.","start_word":3666,"end_word":3681,"intents":[{"intent":"Answer questions","confidence_score":0.027999578}]},{"text":"Do you have any Not questions right. for me before I let you go, sir? None. None. None today. Cool. Again, any questions at all, just call, text, email, whatever you need.","start_word":3666,"end_word":3697,"intents":[{"intent":"Offer assistance","confidence_score":0.002423836}]}]},"sentiments":{"segments":[{"text":"Andrew, Tommy here, one of the senior advisers.","start_word":0,"end_word":7,"sentiment":"neutral","sentiment_score":0.05995961278676987},{"text":"Mate, thank you so much for calling back in.","start_word":8,"end_word":16,"sentiment":"positive","sentiment_score":0.5299440622329712},{"text":"No worries, Tony. How are Mate, you?","start_word":17,"end_word":23,"sentiment":"neutral","sentiment_score":0.2784747779369354},{"text":"I'm Fantastic. I've got a bit of an updated advice document for you.","start_word":24,"end_word":36,"sentiment":"positive","sentiment_score":0.6278142929077148},{"text":"Yeah. I'm not sure what happened. I tried to call through, and it kinda went straight to voice message. I thought best to reach you via text. So thank you. Yeah. Yeah. I've I've just changed providers on my phone recently, and apparently, there's a voice I don't like voice mail. So that's why I leave it blank so that people go, okay. Maybe I'll just text. Because Yeah. I'd never if I leave have voice mail there, people leave leave voice mails, and then I never look at them or listen Yeah. to them and can No. That's get me fair. I must put I must put a message on there saying that they're ringing, please contact me by text message. No worries at all. No. I worked it out alright. But what threw me was a lot of people with iPhones these days have this call filtering where you're supposed to state, like, who you are and it tries to call through a second time. And Yeah. I thought I've that was it, come but up it against didn't say that anything. as well, and I'm like, this is weird. It is. The whole world's going weird, but everyone's just trying to avoid spam and telemarketers, mate, so I don't blame them. Yeah. That's it. It's can be a bit of an issue. Absolutely. Just can I bring up my I will email Yep. Now the same just before time? I pop that email through to you, I just need to quickly confirm that you're okay for these calls to be recorded. Yeah. Right. Of course. Yep. And I'll just do the quick usual security check. So I'm registered with Asik as adviser 1273105. Mate, could you just confirm your date of birth and address, please? Twenty eight is the 1st 197953 Glencoe Crescent, Tiwi 0 Fantastic. 81O. O81O, Northern Territory.","start_word":37,"end_word":349,"sentiment":"neutral","sentiment_score":-0.0960670705563344},{"text":"I should Fantastic.","start_word":350,"end_word":352,"sentiment":"positive","sentiment_score":0.42721042037010193},{"text":"say 0O810. That's okay. O's and zeros work for me.","start_word":353,"end_word":362,"sentiment":"neutral","sentiment_score":0.2592603266239166},{"text":"That's perfect.","start_word":363,"end_word":364,"sentiment":"positive","sentiment_score":0.7714357376098633},{"text":"Mate, when this comes through, it's through our new Odoo system, which is kind of custom built for us. It may go through to your spam box, but it should be pretty instant to your main box. If you can just let me know if that's Yep. popped up in there. Can I actually get you to change oh, yeah? Just came through. Signature required. Yep. Now do you want me to update email address for next Yeah. time? Or Please. Yeah. For the next time. I will do it at the end of the end of the please find the updated same as discussed it. Now there should be Yeah. PDF attachments at the bottom, kinda Signed like normal email attachments, but there's also documents. a link to the digital authorization. Would you Oh, mind yeah. just quickly going to those bottom attachments for a second for me? Yep. The super accelerator. We'll go to that one first. So no. That one's just a PDF document for your Netwealth. Just they update product information all the time. I'm just wondering if you can see SOA appendix. Should be dated It's at the start, it's a it's like a way 2020 appendix. six. Yep. Yep. And it should have a sort of forest mountain view picture on it. Yes.","start_word":365,"end_word":583,"sentiment":"neutral","sentiment_score":0.04129417613148689},{"text":"Beautiful pitch of Fantastic.","start_word":584,"end_word":587,"sentiment":"positive","sentiment_score":0.3372471034526825},{"text":"One of them is a forest. One of them is a Gold Coast beachfront. So I just wanna make sure we got the right document open, tongue. but Yep. it is that forest one. Yep.","start_word":588,"end_word":622,"sentiment":"neutral","sentiment_score":0.104505717754364},{"text":"Fantastic.","start_word":623,"end_word":623,"sentiment":"positive","sentiment_score":0.4205952882766723},{"text":"So in the statement of advice, I'm gonna quickly just recap the details in there with you when we go through it with, like, the scope of the advice, what the recommendations were, and why. Basically, Yep. you were doing a conversation and a review with Kyle, and we had flagged one of your investment options was having a bit of a rough time. So we were just looking for a bit of a replacement for that option and, like, a Yep. little bit of a rebalance of your portfolio. Does that ring a bell? Yep.","start_word":624,"end_word":719,"sentiment":"neutral","sentiment_score":0.0077657203655689955},{"text":"Cool.","start_word":720,"end_word":720,"sentiment":"positive","sentiment_score":0.3677541315555573},{"text":"And I think scope wise, we were just waiting for a few months on your insurances just to have another catch up maybe when there's an anniversary and maybe reviewing the master bit of time, but the most important thing was just getting the super bit of an engine churn. Yeah.","start_word":721,"end_word":771,"sentiment":"neutral","sentiment_score":-0.001124321366660297},{"text":"Nice.","start_word":772,"end_word":772,"sentiment":"positive","sentiment_score":0.4781189560890198},{"text":"Now the reason why I wanted you to grab the appendix open first is if you go through about three, four pages, you'll see a table there with a whole Yep. bunch of blue links to all the different investment options. Yeah. Yeah. Yep. So that's So the s m s and t's. yep. That's Yep. the one. So that's all of the different investment option PDFs if you ever want a bit of light reading over weekend for about 7,000 pages of fund objectives and what they think they're good at and all the rest of it. Cop delete. Yep. Cut, delete.","start_word":773,"end_word":875,"sentiment":"neutral","sentiment_score":0.11820680648088457},{"text":"Perfect.","start_word":876,"end_word":876,"sentiment":"positive","sentiment_score":0.42243492603302},{"text":"Now just go down one more for me. There's a bit of a like for like comparison table. Yep. Now the reason why I've included a secondary table is because I Yep. just wanted to show you there's a bit of a comparison between just replacing the one option versus doing the full rebalance. So I just wanna make you aware of both. Yeah. Right. So the first one, the current one is just doing a replacement of the one that's not doing so great and then Yeah. the recommend doing everything. Correct. So when we just do the straight up replacement, because Benelong is an active fund, it has pretty similar fees to the Alfiniti option that Carl and I are recommending to switch it out with. And Yep. there's a slight savings in fees, but realistically, there's a huge performance difference. And Yeah. when that's a portion of your portfolio, it pretty much impacts your five year average by about 1.3%, which compounds pretty big over five, ten years, but Yeah. it it's like a 30% swing. It's pretty crazy. I'll show you inside the document, but that's just for the one option being replaced. Yep. Yeah. Right. Is that my current Now balance? The $1.40? I haven't checked it today. That's when we put the document together. It is bouncing Yep. around a lot. Yep. I actually will grab up your Netwealth in a second too, but they just do the old two factor authentication. Now Yep. would you mind pulling up that statement of advice document for me, the beachfront city attachment? 71. Yep. And it should be a little bit of a Gold Coast thing going on there.","start_word":877,"end_word":1159,"sentiment":"neutral","sentiment_score":0.03197803781384293},{"text":"Lovely. Beautiful, isn't it?","start_word":1160,"end_word":1163,"sentiment":"positive","sentiment_score":0.3991994559764862},{"text":"Yeah. Matches the weather perfectly. You Alrighty. guys are you're busy day. You're not on the go. Okay? Are you? No. We're on Southport. Southport and the Yeah. Gold Coast. You're alright. Yeah. If My house you is have fucking a good. flip through there oh, you used to live there or work there? I used to live in a long time ago, I lived in on in Southport. I did too. I don't live there currently, but I think it would have been thirteen years ago I last lived in Southport. No. I'm talking, what, thirty years ago. I was 17. 30. Jeez. What Yep. was it like thirty years ago? I can't can't imagine. I don't know if you would have changed much. The people weren't that yeah. But coming from Victoria and country boy to live in I've started living in Coon Of Badrands. No. Yep. Not Coon Of Badrands. I've been I can't even remember it. Just before one of the northern suburbs there. And Like, Kerbera or Labrador and Yep. Southport. And Kerbera, I ended Kerbera. up Kerbera. a year before I went.","start_word":1164,"end_word":1351,"sentiment":"neutral","sentiment_score":-0.06030022624899891},{"text":"No. I don't really have very many nice friends here.","start_word":1352,"end_word":1361,"sentiment":"negative","sentiment_score":-0.45658963918685913},{"text":"Okay. I've No. got people It's that try and take me for a ride, but I think at the very least, it's built up a few extra buildings. yeah. Alright. I'm in here. What am I looking at?","start_word":1362,"end_word":1399,"sentiment":"neutral","sentiment_score":-0.05318685621023178},{"text":"Cool.","start_word":1400,"end_word":1400,"sentiment":"positive","sentiment_score":0.3805786669254303},{"text":"If you swing through pages three, four, and five, you'll just see that scope of advice repeated there about the superannuation goals being the main Yep. focus. We did include just the usual reminders, estate planning, just to get a will and power of attorney in place because I don't believe you've got that sorted yet. No. I haven't sorted that yet. Yep. And I think there was a mention that you had, like, maybe an old will that was before I've the got kids an were old wheel born. that everything goes to potentially to children where we've done before I had children, but it does state that if anything happens to me or my wife goes to whatever equally divided between whatever children I have. Okay. Cool. Cool. And outside of that, again, insurances were out of scope. We weren't doing an insurance review just yet. And your other main main focus is cash flow, debt management, and investment. You're obviously just focusing on the business, the family, Yeah. paying down the debts, of course, and building up a bit of equity for some investing. Yep. Yep.","start_word":1401,"end_word":1589,"sentiment":"neutral","sentiment_score":0.037993352860212326},{"text":"Cool.","start_word":1590,"end_word":1590,"sentiment":"positive","sentiment_score":0.4415100216865539},{"text":"And I think there was a bit of a mention that we may revisit some investment ideas later, whether it's investing for the kids or personal investment or property, and just go through maybe at the next review or the year after some potential ideas and structures for you. Did that ring a bell? Yeah. Yeah. Definitely. I I because I'm currently doing a business plan up for expansion of my own business. And I have thought about trying to use Super to purchase a Like, commercial a property? yard or shed to set up in then I'm paying market rent to my super rather than to someone else's super.","start_word":1591,"end_word":1700,"sentiment":"neutral","sentiment_score":0.1239850776778026},{"text":"Yeah. The auto shed for the old business is a pretty good idea. I've done a few fancy funny little SMSF ideas, self managed super funds for people trying to get on-site property management.","start_word":1701,"end_word":1734,"sentiment":"positive","sentiment_score":0.4542659819126129},{"text":"I've had a guy do a theme park, live in and work on the theme park.","start_word":1735,"end_word":1750,"sentiment":"neutral","sentiment_score":0.32293814420700073},{"text":"That was pretty fun.","start_word":1751,"end_word":1754,"sentiment":"positive","sentiment_score":0.561356246471405},{"text":"All kinds of things Alright. you can do. Yeah. Yeah. So that yeah. There's definitely things that all has to come back once yeah. Once I know more about what that's still another year or so away before we'd be sort of potentially going down that road anyway. Yeah. Yep. Okay. So I've got a few notes there, and we'll keep that on file for the next chats. Yeah. Can you have a swing through pages seven and eight? I just wanna see if there's been any significant changes in the details we captured. I think we had just in the about you section, assets and liabilities. You're a maintenance man, self employed on about a $100 Yep. with two kids. Yep. Yep. Yep. Do So you want me to capture your email address now? I can just put it on file. yeah. It's andymann,nt,@gmail.com. So AndyMannnt@Gmail.com? Yep. And that's obviously n for Nelly, like n Northern Territory? Yep. Yeah. And Northern Territory. Yeah. Alright. And Got that. yeah. It all We've looks got pretty pretty the private cars. Yep.","start_word":1755,"end_word":1934,"sentiment":"neutral","sentiment_score":-0.009800429455935957},{"text":"yeah. Everything looks good as it should be on those two pages. Sensational.","start_word":1935,"end_word":1947,"sentiment":"positive","sentiment_score":0.5338976979255676},{"text":"Alright. So if you swing down through, you've got your Netwealth, your Neos insurance policy, which we're gonna keep an eye on that one as well, especially with price increases coming down the line. Yep.","start_word":1948,"end_word":1982,"sentiment":"neutral","sentiment_score":0.14160953845296587},{"text":"And we've got you on page 10 of the high growth investors. So, again, trying to get the high long term returns.","start_word":1983,"end_word":2004,"sentiment":"positive","sentiment_score":0.39230555295944214},{"text":"And, of course, reduce risk when you get closer to retirement, which isn't too terribly far away, but you've still got Yep. That's a couple coming of quick. it comes around quick, but couple of cycles of growth left, and then we can start slowing things down as you approach the endpoint. That way we don't lose it all at 64.","start_word":2005,"end_word":2065,"sentiment":"neutral","sentiment_score":0.21855299174785617},{"text":"That'd be nice.","start_word":2066,"end_word":2068,"sentiment":"positive","sentiment_score":0.42719027400016785},{"text":"Yep. Now the main thing too so when it comes to that strategy recommendation, there's a huge wall of text on page 12 under a strategy recommendation heading. Yeah. Basically, the three things are we looked at some alternative super funds, And while we did find a couple that were slightly more affordable, we're not recommending switching funds because the capital gains tax that you have to pay inside your super to switch it was Yep. coming close to $5 for a very Yep. minimal, you know, save $70 a year in fees. Yep. So that wasn't really gonna be a point. We did recommend that switch of the Benelong option through Alfiniti, which again, Yep. similar fees, much better performance. I'll show you in a second. Like for like, they're both actively managed. Alfiniti is just a little bit more broad. They're not concentrated like your Benelon option was in terms of a Yep. few shares versus a lot of shares. The rebalancing, do you remember why we do a portfolio rebalance? No. So if you've got, let's say, eight investment options and one of them is in Australian shares, one's in American, and let's say one of them is in property, one of them is in gold, what tends to happen is they all perform differently. Some of them shoot up, some of them shoot down. And let's say we originally said you should put 10% of your money into all four of those, but now one of them is fifteen and one of them is five. The whole idea of, like, buy low, sell high is we need to kind of bring your weightings back to the middle point. So it's again, I guess the buzzword is diversification, if that makes sense. Yes. So the idea is you've got a lot being skewed by the big price rise in gold and things like that. We can chase returns and just keep pumping all of your contributions into just those options. But at some point, we really do just need to bring everything back to a nice spread so that you're not getting really, really weighted into one option and then it crashes and you're missing out on a buying opportunity with the other options. Does that make sense? Yep. Yep.","start_word":2069,"end_word":2451,"sentiment":"neutral","sentiment_score":0.015059243051174726},{"text":"Cool.","start_word":2452,"end_word":2452,"sentiment":"positive","sentiment_score":0.4621469974517822},{"text":"Now if you go to the next page, there's a table there just basically talking about the pros and cons of those three things, which pretty much outlined already. Couple of warnings on the page afterwards. Of course, we can't control the weather, and we have factored in some capital gains tax from any switches that we do. But the main thing there is on page fifteen and sixteen.","start_word":2453,"end_word":2521,"sentiment":"neutral","sentiment_score":-0.011202090419828892},{"text":"There's another lovely blue table there for you with quite a few numbers on it.","start_word":2522,"end_word":2536,"sentiment":"positive","sentiment_score":0.3608853816986084},{"text":"Yep. So these are all of your different investments. And what it's basically saying is if you can make out the figures, on the second third of it, there's a column called target waiting, and you can see all the percentages underneath that are, like, kind of nice round figures. Yep. Just hold on. I just had to get off and move away from here for a sec. Hang on. Yep. Cool. So there's a column on the left, current waiting, column on the right, target waiting. And, basically, what you can see is that's where all your money is kind of sitting with all the growth and drops and things like that. And then if we do those buys and sells in the black and red, it brings you back to those nice round figures on the right. Yep. Now what that really means is if you look at, I think, the top one, battery tech and lithium, quite overweight Yep. there at 8% just in one type of share, and your option's getting wiped out to zero because that's being switched out. But about bottom third of that table, you can see your gold option was jumped all the way up to 12% of your overall Yep. super. We normally keep it at around about seven. Yep. Yeah.","start_word":2537,"end_word":2756,"sentiment":"neutral","sentiment_score":0.08215060098604722},{"text":"That's because gold's so good at the moment.","start_word":2757,"end_word":2764,"sentiment":"positive","sentiment_score":0.4408491253852844},{"text":"Is Yeah. it? And it's one of those things where it jumped up like a 100 and something percent in twelve months, which is amazing. But, again, those things always have a bit of a pullback, and it already has. But Yeah. we can't just keep, like, riding the wave and chasing returns, if that makes sense. Yep. So what it basically does, the last two things I wanna show you is just on pages seventeen and eighteen, you'll see a colored pie chart for your asset allocation. Yep. And what ended up happening was you had a huge overweighting in things like alternative assets, very little in Australian shares. And while we do favor international shares usually, we just wanna kind of bring it back to the baseline, which is that kind of thirty, fifty five, that kind of thing. Still around about that ninety three, ninety two percent growth assets because you're high growth. Yep. Now last page, that's the actual comparison of the reweight. Now that factors in $711 of superannuation capital gains tax and Yep. all the different reweights and everything. It basically looks like it comes out to the same outcome because the Benelong switch is much better performing option.","start_word":2765,"end_word":2969,"sentiment":"neutral","sentiment_score":0.006614322774112225},{"text":"But if we sell off a little bit of your battery tech, electric vehicles, and gold options, it looks it makes the past performance look a little bit worse, if that makes sense.","start_word":2970,"end_word":3002,"sentiment":"negative","sentiment_score":-0.36392876505851746},{"text":"Yep. So the whole idea behind the rebalance is forward looking. We're trying to get things ready for what could grow going forward, not looking in the rearview mirror trying to chase all the returns. So it looks like it's basically a 12 versus 12% average return whether you kept it the same or we rebalanced it. That's why I wanted Yes. to kind of point out those two tables. Yep. Just below it, you've got your been long option in terms of fees and your affinity, and the next page has at the bottom of the next page, it's got performance difference. Can you see, like, a very light blue table at the bottom of page Yep. 19? Yep.","start_word":3003,"end_word":3122,"sentiment":"neutral","sentiment_score":0.147228783244888},{"text":"So the three things, if you can make it out, the Benelon option had a huge drop of about 21% in the last twelve months, and it's been negative for three and five years because of that drop. It's pulled it all the way down.","start_word":3123,"end_word":3167,"sentiment":"negative","sentiment_score":-0.35893234610557556},{"text":"Yeah. Right. Now that replacement option we've got there, it's got ten, ten, and 8.6 over one, three, and five years, Yep. which is like a 30% swing, which is huge. But underneath it, you can see the Aussie share market benchmark, which it's been outperforming for all those time periods. Yeah. Yep. So, basically, that's Yep. the point of having an active fund is you pay a little bit higher investment fees. It's supposed to outperform the market, which it needs to do consistently. Otherwise, there's no point. And if the market's going up and your option in that space is going down, that's a red flag to replace it. Yep. Now there's usually a small performance difference between different options that are similar, but you don't want it to be that big of a swing. Yep. So does all that make sense? And I've just thrown a bunch of sort of technical jargon at you, but the reasons of why we're doing what we're doing, does it make sense to you? Mostly. Yeah. Nice. Any questions so far or anything that kind of isn't clicking? No. No. No. It's fine. I'm gonna spend a bit of time going over all this Yep. when I when I get a bit of time.","start_word":3168,"end_word":3380,"sentiment":"neutral","sentiment_score":0.009609091717601171},{"text":"Sensational. Easy done.","start_word":3381,"end_word":3383,"sentiment":"positive","sentiment_score":0.4188077747821808},{"text":"The rest of the document pretty much just lists all of the estate planning, wills, power of attorneys, all that kind of thing. It's got the adviser fees at the bottom, the NEOS Yep. commissions, all that kind of thing. As far as steps to implement, basically, once you're happy with the plan, if you give that a sign, we can pretty much just log on to Netwealth and send some investment switch orders in to some buyers and sales. There's no other forms or anything. It's basically just the consent on the advice document. Yep. Yeah.","start_word":3384,"end_word":3480,"sentiment":"neutral","sentiment_score":0.20985756814479828},{"text":"Cool. Cool.","start_word":3481,"end_word":3482,"sentiment":"positive","sentiment_score":0.4109554886817932},{"text":"So you're okay if I kind of leave that with you to have a bit of a read and and let us know if you Yep. have any questions? Yeah. I will. I will. I'll have a read of it tonight, and I'll get that signed document through. Cool. Mate, there was a bit of a note there around just with the Neos insurances. Were you wanting me to book you in for another catch up after the end of financial year, or did you wanna wait till the next annual review around Christmas time? What would be your preference on contact? Maybe another one just after the financial year would be good. Yep. Because I'm having a quick squeeze at your review documents there, and you need to make sure yeah. You gotta keep an eye on those premiums as well because the moment you start getting close to 50 and above, Yeah. that insurance Yep. policy is gonna start getting very close to $10,000 very quickly. So Yeah. keeping a lid on Yep. fees is another thing as well. Cool. Alright. Do you have any Not questions right. for me before I let you go, sir? None. None. None today. Cool. Again, any questions at all, just call, text, email, whatever you need. If we don't hear from you in, you know, like, a week or so, I'll just get the team to give you a buzz for a bit of a follow-up. Yep. And Yep.","start_word":3483,"end_word":3730,"sentiment":"neutral","sentiment_score":0.1377052722288476},{"text":"thank you for your time today. Alright.","start_word":3731,"end_word":3737,"sentiment":"positive","sentiment_score":0.6083088517189026},{"text":"No worries.","start_word":3738,"end_word":3739,"sentiment":"neutral","sentiment_score":0.30477675795555115},{"text":"I've just got my little man waking up, so perfect timing. Come on, mate. Sensational. Well, you enjoy that, mate, and I shall talk to you soon. Right. Sounds good. Thanks, Andrew. I'll see you Alright. later. Thanks for calling. Bye.","start_word":3740,"end_word":3780,"sentiment":"positive","sentiment_score":0.5482698678970337},{"text":"Bye.","start_word":3781,"end_word":3781,"sentiment":"neutral","sentiment_score":0.2321455478668213}],"average":{"sentiment":"neutral","sentiment_score":0.053572038142739795}}}}