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Neville William Black. 06/09/1967. 35 Condor Nav in Pinjarra, Western Australia. Yes, mate. Yeah. If he if he's available. Yeah. Alright, mate. Thank you. Yeah. Good. Thanks, Carl. Sorry I missed your call, mate. Just doing these jobs, mate. That's all trying to organize work and that's yeah. Yes, mate. It is here. Yeah. I'm going out Thursday, so I didn't wanna miss you again. Yep. Yeah. Exactly. Oh, yeah? That's right, mate. Yeah. Hi, Karen. Yep. Yep. Yeah, mate. Yeah. I'm just in the city at the moment, so I had to come into town this morning, so I had to get something. But yeah. Yep. Yeah. Just the occupations change. That's all. So just different company that I'm working for. So yeah. Yes, mate. Yeah. That's right. It's for a recruitment agency. It's called Scott and Furnacy, and it's a mining mob called Maca, m a c a. Just casual, mate. Just casual at the moment. So No. It's still twelve hour days, so there's certainly a bit rough when you that amount. Unchanged. Yeah. I don't think so. They they got me on $65 an hour, so I don't think it would have changed a great deal. Okay. Yep. Yeah. I'm trying to do, mate. I'll get back into it once I start up again. I'd probably haven't done it for about a month. So, yeah, I'll be putting a $100 back in every every price. So yeah. Yep. Yeah. My yeah. Yep. Exactly. Yeah. Alright then. Yeah. No worries at all. Yeah. That's right. Yeah. Right. No worries. Alright. Oh, yeah. Yeah. Righto. Yep. Alright, Ivan. Right. Okay. Alright. Right on. Okay. Sounds good. Yeah. Yep. Right. Okay. Okay. Yeah. It sounds good. Yep. Yeah. Yeah. I'm pretty sure it will, actually. Yeah. Oh, that's a good thing. Yeah. Right, Evan. Righto. No worries. Yeah. Alright then. No worries. Okay. Right. Yep. It does. Yeah. Right. Okay. Yep. Okay. Alright. No worries. Alright, mate. No worries. It's a little bit. Unfortunately, I wish I could give it up today, but I can't. Yes. Yeah. Okay. Yeah. Get rid of the house. That'd be good. So yeah. Alright. Yeah. Okay. Yep. Yep. That'll be good. Yeah. Send them a mail, please, mate. Yeah. Yep. That'll be good. Yeah. Yeah, mate. Yeah. That's fine. We're in the process of doing that now. Yeah. Yeah. We're in the process. We're we're actually gonna go on the March 13 and get the file was and sign it all and all that sort of stuff. So that's been drawn up as we speak. We are. It's gonna be my daughter, my oldest daughter. Okay. Might happen here. Righto. Yeah. That's it. Alright. Right. And no worries. Yeah. Sure. Yep. No. I can't. I'll probably go and have a good read of it and sign it all off and and send it away. So, yeah, now I'm happy with it. Alright, mate. No worries at all. I wanna get out of the city, mate. I hate it. So, yeah, thanks very much for that. Yep. That's the main thing. Yeah. Alright, mate. Thanks very much for that. See you, mate. 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Good day, mate. My name is Neville Black. I just missed a phone call from Kyle. Yeah.\n\nI did it. It was 11:00 this morning. Yep. Yeah. Neville William Black.\n\n06/09/1967. 35 Condor Nav in Pinjarra, Western Australia. Yes, mate. Yeah. If he if he's available.\n\nYeah. Alright, mate. Thank you. Yeah. Good.\n\nThanks, Carl. Sorry I missed your call, mate. Just doing these jobs, mate. That's all trying to organize work and that's yeah. Yes, mate.\n\nIt is here. Yeah. I'm going out Thursday, so I didn't wanna miss you again. Yep. Yeah.\n\nExactly. Oh, yeah? That's right, mate. Yeah. Hi, Karen.\n\nYep. Yep. Yeah, mate. Yeah. I'm just in the city at the moment, so I had to come into town this morning, so I had to get something.\n\nBut yeah. Yep. Yeah. Just the occupations change. That's all.\n\nSo just different company that I'm working for. So yeah. Yes, mate. Yeah. That's right.\n\nIt's for a recruitment agency. It's called Scott and Furnacy, and it's a mining mob called Maca, m a c a. Just casual, mate. Just casual at the moment. So No.\n\nIt's still twelve hour days, so there's certainly a bit rough when you that amount. Unchanged. Yeah. I don't think so. They they got me on $65 an hour, so I don't think it would have changed a great deal.\n\nOkay. Yep. Yeah. I'm trying to do, mate. I'll get back into it once I start up again.\n\nI'd probably haven't done it for about a month. So, yeah, I'll be putting a $100 back in every every price. So yeah. Yep. Yeah.\n\nMy yeah. Yep. Exactly. Yeah. Alright then.\n\nYeah. No worries at all. Yeah. That's right. Yeah.\n\nRight. No worries. Alright. Oh, yeah. Yeah.\n\nRighto. Yep. Alright, Ivan. Right. Okay.\n\nAlright. Right on. Okay. Sounds good. Yeah.\n\nYep. Right. Okay. Okay. Yeah.\n\nIt sounds good. Yep. Yeah. Yeah. I'm pretty sure it will, actually.\n\nYeah. Oh, that's a good thing. Yeah. Right, Evan. Righto.\n\nNo worries. Yeah. Alright then. No worries. Okay.\n\nRight. Yep. It does. Yeah. Right.\n\nOkay. Yep. Okay. Alright. No worries.\n\nAlright, mate. No worries. It's a little bit. Unfortunately, I wish I could give it up today, but I can't. Yes.\n\nYeah. Okay. Yeah. Get rid of the house. That'd be good.\n\nSo yeah. Alright. Yeah. Okay. Yep.\n\nYep. That'll be good. Yeah. Send them a mail, please, mate. Yeah.\n\nYep. That'll be good. Yeah. Yeah, mate. Yeah.\n\nThat's fine. We're in the process of doing that now. Yeah. Yeah. We're in the process.\n\nWe're we're actually gonna go on the March 13 and get the file was and sign it all and all that sort of stuff. So that's been drawn up as we speak. We are. It's gonna be my daughter, my oldest daughter. Okay.\n\nMight happen here. Righto. Yeah. That's it. Alright.\n\nRight. And no worries. Yeah. Sure. Yep.\n\nNo. I can't. I'll probably go and have a good read of it and sign it all off and and send it away. So, yeah, now I'm happy with it. Alright, mate.\n\nNo worries at all. I wanna get out of the city, mate. I hate it. So, yeah, thanks very much for that. Yep.\n\nThat's the main thing. Yeah. Alright, mate. Thanks very much for that. See you, mate.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey.","start":5.68,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.18832483887672424},{"text":"Good day, mate.","start":5.8399997,"end":6.3999996,"sentiment":"positive","sentiment_score":0.3370453317960103},{"text":"My name is Neville Black.","start":6.3999996,"end":7.44,"sentiment":"neutral","sentiment_score":0.12447708994150161},{"text":"I just missed a phone call from Kyle.","start":7.44,"end":9.38,"sentiment":"neutral","sentiment_score":-0.07746306154876947},{"text":"Yeah.","start":16.744999,"end":17.065,"sentiment":"neutral","sentiment_score":0.04919455945491791}],"sentiment":"neutral","sentiment_score":0.06951868616872364,"num_words":18,"start":5.68,"end":17.065},{"sentences":[{"text":"I did it.","start":17.065,"end":17.465,"sentiment":"neutral","sentiment_score":0.07039687285820644},{"text":"It was 11:00 this 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worries.","start":1123.125,"end":1123.8651,"sentiment":"neutral","sentiment_score":0.18349752575159073}],"sentiment":"neutral","sentiment_score":0.16392908245325089,"num_words":6,"start":1030.32,"end":1123.8651},{"sentences":[{"text":"Alright, mate.","start":1139.98,"end":1140.62,"sentiment":"neutral","sentiment_score":0.09710895642638206},{"text":"No worries.","start":1140.62,"end":1140.855,"sentiment":"neutral","sentiment_score":0.05469575524330139},{"text":"It's a little bit.","start":1140.855,"end":1141.92,"sentiment":"neutral","sentiment_score":-0.08417810499668121},{"text":"Unfortunately, I wish I could give it up today, but I can't.","start":1147.615,"end":1150.195,"sentiment":"negative","sentiment_score":-0.37231500695149106},{"text":"Yes.","start":1159.3,"end":1159.8,"sentiment":"positive","sentiment_score":0.3438698649406433}],"sentiment":"neutral","sentiment_score":-0.19795301024402892,"num_words":21,"start":1139.98,"end":1159.8},{"sentences":[{"text":"Yeah.","start":1173.54,"end":1173.9401,"sentiment":"neutral","sentiment_score":0.0431058406829834},{"text":"Okay.","start":1173.9401,"end":1174.4401,"sentiment":"neutral","sentiment_score":0.03636326640844345},{"text":"Yeah.","start":1174.5,"end":1175.0,"sentiment":"neutral","sentiment_score":-0.0051699671894311905},{"text":"Get rid of the house.","start":1175.275,"end":1176.075,"sentiment":"neutral","sentiment_score":-0.11070863455533982},{"text":"That'd be good.","start":1176.075,"end":1176.715,"sentiment":"neutral","sentiment_score":0.2021427700916926}],"sentiment":"neutral","sentiment_score":0.011562207036397674,"num_words":11,"start":1173.54,"end":1176.715},{"sentences":[{"text":"So yeah.","start":1176.715,"end":1183.135,"sentiment":"neutral","sentiment_score":0.10010823979973793},{"text":"Alright.","start":1186.475,"end":1186.955,"sentiment":"neutral","sentiment_score":0.19522058963775635},{"text":"Yeah.","start":1186.955,"end":1187.355,"sentiment":"neutral","sentiment_score":0.16524049639701843},{"text":"Okay.","start":1187.355,"end":1187.855,"sentiment":"neutral","sentiment_score":0.17744669318199158},{"text":"Yep.","start":1208.005,"end":1208.505,"sentiment":"neutral","sentiment_score":0.0765167698264122}],"sentiment":"neutral","sentiment_score":0.13577350477377573,"num_words":6,"start":1176.715,"end":1208.505},{"sentences":[{"text":"Yep.","start":1210.5651,"end":1211.045,"sentiment":"neutral","sentiment_score":0.01821901649236679},{"text":"That'll be good.","start":1211.045,"end":1211.9451,"sentiment":"neutral","sentiment_score":0.10251407697796822},{"text":"Yeah.","start":1217.5,"end":1217.9,"sentiment":"neutral","sentiment_score":0.08142039179801941},{"text":"Send them a mail, please, mate.","start":1217.9,"end":1219.34,"sentiment":"neutral","sentiment_score":0.09129119540254275},{"text":"Yeah.","start":1219.34,"end":1219.84,"sentiment":"neutral","sentiment_score":0.10389646142721176}],"sentiment":"neutral","sentiment_score":0.08823543942222993,"num_words":12,"start":1210.5651,"end":1219.84},{"sentences":[{"text":"Yep.","start":1221.5,"end":1222.0,"sentiment":"neutral","sentiment_score":0.22118566930294037},{"text":"That'll be good.","start":1227.74,"end":1228.46,"sentiment":"positive","sentiment_score":0.3482118348280589},{"text":"Yeah.","start":1228.46,"end":1228.96,"sentiment":"neutral","sentiment_score":0.1414598971605301},{"text":"Yeah, mate.","start":1232.6549,"end":1233.215,"sentiment":"neutral","sentiment_score":0.14295128732919693},{"text":"Yeah.","start":1233.215,"end":1233.375,"sentiment":"neutral","sentiment_score":0.1904287487268448}],"sentiment":"neutral","sentiment_score":0.23545154929161072,"num_words":8,"start":1221.5,"end":1233.375},{"sentences":[{"text":"That's fine.","start":1233.375,"end":1234.115,"sentiment":"positive","sentiment_score":0.3541075885295868},{"text":"We're in the process of doing that now.","start":1249.1399,"end":1251.24,"sentiment":"neutral","sentiment_score":0.08712824154645205},{"text":"Yeah.","start":1252.6599,"end":1252.98,"sentiment":"neutral","sentiment_score":0.12589724361896515},{"text":"Yeah.","start":1252.98,"end":1253.22,"sentiment":"neutral","sentiment_score":0.1057182475924492},{"text":"We're in the process.","start":1253.22,"end":1254.0199,"sentiment":"neutral","sentiment_score":0.08043339662253857}],"sentiment":"neutral","sentiment_score":0.12241188669577241,"num_words":16,"start":1233.375,"end":1254.0199},{"sentences":[{"text":"We're we're actually gonna go on the March 13 and get the file was and sign it all and all that sort of stuff.","start":1254.0199,"end":1260.0199,"sentiment":"neutral","sentiment_score":0.2064534310872356},{"text":"So that's been drawn up as we speak.","start":1260.0199,"end":1262.645,"sentiment":"positive","sentiment_score":0.53634337708354},{"text":"We are.","start":1266.465,"end":1267.205,"sentiment":"neutral","sentiment_score":0.19641205668449402},{"text":"It's gonna be my daughter, my oldest daughter.","start":1267.585,"end":1270.325,"sentiment":"neutral","sentiment_score":0.14121180772781372},{"text":"Okay.","start":1309.87,"end":1310.37,"sentiment":"neutral","sentiment_score":-0.00843743421137333}],"sentiment":"neutral","sentiment_score":0.2502258256684209,"num_words":43,"start":1254.0199,"end":1310.37},{"sentences":[{"text":"Might happen here.","start":1317.3151,"end":1318.355,"sentiment":"neutral","sentiment_score":-0.024752287815014522},{"text":"Righto.","start":1318.355,"end":1318.855,"sentiment":"neutral","sentiment_score":0.07646625488996506},{"text":"Yeah.","start":1344.545,"end":1344.865,"sentiment":"neutral","sentiment_score":0.08009327948093414},{"text":"That's it.","start":1344.865,"end":1345.685,"sentiment":"neutral","sentiment_score":0.07748166844248772},{"text":"Alright.","start":1381.0651,"end":1381.5651,"sentiment":"neutral","sentiment_score":-0.033395521342754364}],"sentiment":"neutral","sentiment_score":0.025483810808509588,"num_words":8,"start":1317.3151,"end":1381.5651},{"sentences":[{"text":"Right.","start":1387.68,"end":1387.92,"sentiment":"neutral","sentiment_score":0.05626234784722328},{"text":"And no worries.","start":1387.92,"end":1388.8201,"sentiment":"neutral","sentiment_score":0.08131643508871396},{"text":"Yeah.","start":1416.12,"end":1416.36,"sentiment":"neutral","sentiment_score":0.15411832928657532},{"text":"Sure.","start":1416.36,"end":1416.86,"sentiment":"neutral","sentiment_score":0.27069008350372314},{"text":"Yep.","start":1418.2799,"end":1418.7799,"sentiment":"positive","sentiment_score":0.3727928102016449}],"sentiment":"neutral","sentiment_score":0.15683041087218694,"num_words":7,"start":1387.68,"end":1418.7799},{"sentences":[{"text":"No.","start":1427.155,"end":1427.3151,"sentiment":"neutral","sentiment_score":-0.13274309039115906},{"text":"I can't.","start":1427.3151,"end":1427.715,"sentiment":"neutral","sentiment_score":-0.15010559558868408},{"text":"I'll probably go and have a good read of it and sign it all off and and send it away.","start":1427.715,"end":1432.115,"sentiment":"neutral","sentiment_score":-0.051258261874318124},{"text":"So, yeah, now I'm happy with it.","start":1432.115,"end":1433.735,"sentiment":"positive","sentiment_score":0.6166389243943351},{"text":"Alright, mate.","start":1451.1,"end":1451.74,"sentiment":"neutral","sentiment_score":0.2002738043665886}],"sentiment":"neutral","sentiment_score":0.10184064251370728,"num_words":32,"start":1427.155,"end":1451.74},{"sentences":[{"text":"No worries at all.","start":1451.74,"end":1452.735,"sentiment":"neutral","sentiment_score":0.2956138290464878},{"text":"I wanna get out of the city, mate.","start":1459.775,"end":1461.215,"sentiment":"neutral","sentiment_score":0.205214137211442},{"text":"I hate it.","start":1461.215,"end":1461.855,"sentiment":"neutral","sentiment_score":-0.21876518428325653},{"text":"So, yeah, thanks very much for that.","start":1461.855,"end":1463.635,"sentiment":"positive","sentiment_score":0.43959272120680126},{"text":"Yep.","start":1466.7488,"end":1467.2488,"sentiment":"neutral","sentiment_score":0.17265373468399048}],"sentiment":"neutral","sentiment_score":0.23555111496344858,"num_words":23,"start":1451.74,"end":1467.2488},{"sentences":[{"text":"That's the main thing.","start":1467.3088,"end":1468.2688,"sentiment":"neutral","sentiment_score":0.2016073763370514},{"text":"Yeah.","start":1468.2688,"end":1468.7688,"sentiment":"neutral","sentiment_score":0.1694660782814026},{"text":"Alright, mate.","start":1469.3888,"end":1470.2089,"sentiment":"neutral","sentiment_score":0.25285159796476364},{"text":"Thanks very much for that.","start":1470.7488,"end":1471.6638,"sentiment":"positive","sentiment_score":0.7618438363075256},{"text":"See you, mate.","start":1471.6638,"end":1472.3489,"sentiment":"positive","sentiment_score":0.36559216181437176}],"sentiment":"positive","sentiment_score":0.42583962976932527,"num_words":15,"start":1467.3088,"end":1472.3489},{"sentences":[{"text":"Bye.","start":1472.3489,"end":1472.8489,"sentiment":"neutral","sentiment_score":0.2471625059843063}],"sentiment":"neutral","sentiment_score":0.2471625059843063,"num_words":1,"start":1472.3489,"end":1472.8489}]}}]},{"alternatives":[{"transcript":"Welcome to HP Financial. This is Jacob speaking. Oh, okay, Neville. No worries. Give me one second. I'll just bring up your profile really quickly. Did you have an appointment booked in with him? Oh, okay. No worries, Neville. Cool. Awesome. I'll just quickly run you through a security, Neville. So I'll just get you to confirm your full name, date of birth, and current address for me, please. Awesome. Thanks for that one, Neville. Did you still have time to do that one now? Yeah. Okay, Neville. No worries. I'll pop you on a quick hold, and I'll just see whether he's available now. Alright. Thanks. Welcome to Oakview Financial. At Oakview Financial, we use an Good afternoon, Neville. You've come through to Kyle. How are you going today? No. That that's perfectly fine. Understand you're you're quite a busy man, but hard to get ahold of of last week. No. That's perfectly understandable, Neville. So with that, I do have you scheduled in to to go through that that statement of advice. Is now still a good time for you? Right. Yeah. I know with you with your line of work there as well, you're out for for quite some time with those swings in the days that you do. So hopefully, we can get this be gone for another week in a bit. No. That that's perfectly fine. So today, Neville, I'll be sending you through an OD sign. So it's a bit different to the DocuSigns you've used previously. Now this should be going to nifty67@live.com.au. Is that still the correct email? Perfect. Now with this one here, you'll have, like, attachments in the email, and then you'll also have a link for the signable documents. Now with that one there, you'll have the the statement advice, the appendix, the OQ services guide, and then the financial services guide, which you can access on the website as well. And then there's a PDF to your current super. And then with that, with the signable documents, there is a third party authority, and then that's just to update the one on file for your retained fund just so we're able to get up to date information. And then, also, with the statement advice, if you're happy with everything and wanting to proceed with that one. So that would should be through to there shortly. Now in terms of the advice piece there, Neville, I can go through it, like, a little bit more in-depth, take our our time. If you do, you know, have a bit on this afternoon before you you head away for the the week and don't wanna spend it all on the phone, I can make it a bit quicker there for you so you can get back to your afternoon. Not a problem. I'll make it, like, quite brief, like, to see all the key points, compliance wise, and just make sure you've got a full understanding of it, then you can take it away, have a read of it. It was finalized there on the February 18, the last time they did all the figures for it. So from there, it's valid to thirty days and then up to another thirty if you confirm all your details are the same. But as far as your details, and, Neville, since it has been a a little bit since we last spoke there, as far as, like, your occupation or your sort of assets and liabilities, that's all largely unchanged? Still doing the the drilling? Yep. And it was FMG. What company are you with now? Yep. And are you, like, full time with them? Are you, like, a contractor or something? Cool. Yep. And then are you still doing, like, around a hundred and sixty hours across, like, the two week swing that you're doing, or has the swing changed a little bit as well? So very much unchanged, just a different employee. Yep. And then with being on the casual rates, has your income, like, increased a little bit? No problem. I'll just make a note of that. That shouldn't affect the advice piece as well. It ended up being quite simple in terms of, like, what we are recommending. You don't you don't even have to open up because you are in the city. It's probably a little bit hard to to view it on your phone while we're trying to have a chat anyway, but I'll run through the key points there for you, Neville. So as far as the advice piece created for yourself by myself, Kyle, as an authorized representative along with the team there under Okeech's financial Services license. Now in regards to it, it's done investing just due that we can't put in your better position. We don't recommend it. Now as far as what we're considering for this advice piece, it's mainly just superannuation retirement income needs to show you what that looks like based on what your goal was of that a thousand dollars per week by the age of 63 roughly. Just as, like, generalized figure. And then the estate planning side of things, this is a recommendation. As far as what's we've considered, had a conversation about bit more of accountability partners at the moment because you didn't seek advice on. That's regards to the insurance side of things, just where things are at, budgeting and saving, your debt management with paying down the property, and then investments outside of Supra with potentially your employer share program because we don't know a huge heap about that, and then salary sacrifice at the the moment you're happy with what you're doing. And are you still doing that with your new employer? Yep. Not a problem at all. As I said, those are all things that are considered but not actually scoped into the advice piece, which is what that limited advice warning will be about. Now as far as the advice, it is quite simple. It is just to retain your Netwealth superannuation fund and then roll over a portion of that Australian super balance into the NetWell portfolio just to consolidate things a little bit more, establish your beneficiary nominations, and then go to a a lawyer to potentially set up a will or power of attorney. Now on page eight, you'll see your details, and then page nine as well will have your assets and liabilities. So just make sure they are all correct. The page over will have your current situation. So Australian to super is around 36,000, and then the net wealth is just shy of the 500,000 there at the moment. And then when we had the conversation about insurances, you just wanted to look at keeping that income protection through that Australian super just while you are still working just for that peace of mind. Yeah. You still don't pay a huge amount for that one, and it is mainly for that income protection side of things. And then you also have the towel insurances there as well, which covers for a bit over the the mortgage value, which is the main thing that you want wanted to cover for. And then, yeah, and then the the policy out the car and a few other things there as well. Risk profile will stay the same as balance. Now leading into retirement there as well, you don't wanna take on a huge amount of risk with those fluctuations when you do wanna start drawing down on things. Given that you are working and earning, like, quite considerably, you could take on a little more risk. But if you're happy with your returns and now things are traveling, there's no need to to bump up that level of risk either. Yep. But as I said, there's just, like, a little retirement calculator to show you how things might look as a drawdown, but they ought to be taken with a grain of salt. But the main thing there is that to consolidate your super, retain that 10,000 from Australian super, keep your contributions going into Australian super just for those insurances for now. And then with the yeah. With that, it'll just make sure that your balance is nice and consolidated, and it's in the fund that is performing better currently and getting those higher returns there at the moment. And then with that, reduces the cost administration wise between the two funds, getting those a little bit more consolidated and then less, like, not being spread apart. Yeah. So the key benefits of that one is, like, your current portfolio with NetWell is performing better, but we are recommending an update to that anyway. Now with the the partial rolling over there as well, you will still be able to maintain that cover. And then with that, your exposure to growth assets, given that you did change it within Australian Super two balance, it will reduce the amount of high growth assets that you previously held in it, which were unchanged at the at the moment. So it'll put you more in line with your risk profile there as well. Yep. We did consider the alternative of putting everything in Australian super, see how that works out versus having the net wealth in the split. It did work out that still having that retention still works in your best interest and come maybe a few years when you do hit 60 and can have access to your super if you're not able to work, then you could potentially look at just getting rid of your insurances altogether or maintaining a portion of them for, like, just that that house debt depending on how you go paying it down. Because worst case scenario, like, it's not fantastic that you'd have to rely on your superannuation and, like, government assistant programs. But if you're not working at the age of 60, you can have access to your super because you've met a condition of release. So in three years' time, that's something you don't have to worry about as much if you were out of work for whatever period of time if that's due to an injury. As far as the investment change, you'll be able to see that on page 18. It just highlights what you'll be moving across there. So within regards to your portfolio, because it has been tracking quite well, you will be selling down the 26,000 of that Australian super, which will roll into that Netwealth account. Now with the investments and how they have been traveling, currently, given your portfolio, you still have that active investment with ClearBridge even though that you're in a more conservative portfolio. And then with your other assets there, they are indexed, so they do come at that lower cost. Now we did look at a rebalance for that as well, but you would be paying, like, a larger portion of CGT for selling those downs and rebalancing the portfolio. So with that, the allocation will just go in per your original recommended portfolio that you originally had, but the the percentage weightings will be askew from that slightly. So with that, because of the price of gold and how much that's increased lately, it'd be sitting more closer around the 17% in gold. Now that is a little bit higher, but gold can be considered a growth and a defensive asset. So with that, you will have a higher allocation to that one with how it's been traveling. If we were to sell that back to the 10% weighting your original portfolio was, there's a quite a bit of a tax you'd have to pay towards that. And then given with the way how gold is traveling, it's still ticking along quite nicely. There is more than seen a need for us to rebalance the portfolio currently or switch your investments with how it has been moving for the past few years. I think the the last financial or last twelve month period, it did around 12% for a balanced portfolio that's really quite considerable. It's well over double, like, the expected sort of return from, like, a more conservative portfolio. Yeah. So and given that when you come to 60 as well, we generally look at, like, transition to retirement strategies and being able to adjust those investments and rejig things to obviously help you out for those last few years leading up to retirement. So given the way that you, like, current super is performing, we're not looking at taking on that capital gains at the moment. We're just looking at maintaining your current portfolio and then just letting it be slightly askew from what the original recommendation was. It just means you have a little less in, like, high interest cash and a little bit less in the bank hybrids, which is another defensive asset, and a little bit more of a waiting towards the S and P 500 towards gold, and then the rest of nearly in line with what the original recommendation was, which so far is working out quite well given the current market. Yep. All that considered, you will have around 530,000 in that Netwealth account. That will move forward for from that point once everything was signed and it was to roll over. But as I said, feel free to have a look at the figures there, see if you're happy with that, see if you're happy with those weightings. As I said, it is quite a high amount towards gold, But given how it has been traveling, if you were to reduce it now, you may be foregoing some potential gains moving forward. And then with that, there is the obviously opposite side downside risk that if it was to take a bit of a market correction and go down a little bit, there is a little bit more of a value towards that gold allocation. But we're seeing that given that we're gonna review it in that three year period anyway time, even if it did take a little bit of a dip something like the next year, hopefully, over those next three year period, it still travels quite nicely. Yeah. A lot of people are wanting to buy more gold, not sell out of it too at the moment. So It is. Yeah. Just with the way the markets are, people go back to a little bit of that harder currency. It just seems there's, like, a little bit more solid in, like, what it's doing and its returns and how it is tracking with its value versus, like, those AI companies, which are a little bit all over the shop. I can even let you know. I'll see what the I'll generate a quick report just to show you what everything's currently doing. That That'll just take a second to generate. And then with that, you'll be able to see your variance. So the portfolio that you're currently in with that conservative portfolio, it's aimed to be around a sixty forty split. Now with the change there and given that your Australian super will have a little less allocation to assets, it'll be sitting around 57% or 58 if you round up towards growth assets and about 42 towards defensive. Now within that, they have considered gold at the moment to be or fully a growth asset just the way it's been, like, moving at the last sort of few years. Now with that, gold can be considered defensive asset as well. So you could look at a bit more of a fifty fifty split depending on how you chop it. But with that, if anything, it makes your portfolio a tad more defensive than what it currently is, and the returns that it is getting anyway isn't quite an issue. If it slows down in the next year or two, we might review it. But given the way it's been tracking the past few years, as I said, there seems no reason to take on any tax at the moment to update anything with how it has been going. And and with that, obviously, we review it every year just to see how it is tracking. But a twelve twelve month period from today's date, your return's sitting around 14.26% with that one. And then the gold in that one is, like, it makes up 60% return for that that twelve month period. So if you were to sell out of it and gold continues to keep going, you might be foregoing those potential gains. Now with it being that it's tracked so high for the past few years, you do run the risk that there might be a slight correction, and it might go, you know, down a little bit one year. And then that's just something that you have to be mindful of moving forward and, like, just not panicking in those dips as well and trying to sell out. Yeah. Now with that, you will see on page 20 the projection on what that sort of looks like and where things will largely be at with that rollover to to Netwealth. Now it does work out that with the investment cost given that you are consolidating a little bit more towards your index investments of the Netwealth account, you will be saving a little bit on investment cost. The adviser fee given that the way things are performing, it's likely that that will go up just because your balance has continued to grow at the rate it is. And then with the percentage returns, that hasn't changed too much given that we're not updating the portfolio. We're just moving it over to Netwealth. But it does bump it up there slightly as well given that the the majority of balance is already in NetWell. So that makes up for how much returns you're currently getting, if that makes sense. Perfect. You'll still have your insurance premiums coming out, which are creeping up there a little bit. But given that your balance can more than afford to to pay for that given the return it is currently getting, as a dollar figure of the turn for the past twelve months, it's sitting around 62,000 in, like, return value that it did get, which as I said, for the conservative portfolio, and it's really quite high, and that's largely due to the the growth of gold in that time period. Now with that, it does show the projections based on those, like, five year rolling average or the three year rolling average. So and what that might look like in five to six years just as a return value. But that's obviously to be taken with a grain of salt given the way the markets have been. They might not repeat that three year on like, three year. So I thought I'd always be mindful that past projections aren't indicative of future. But in saying that as well, there is a slight retirement income calculator that was just thrown in there to show you what that look might look like. Now at the age of 63, if you were to start drawing down a thousand dollars a week with the assumption that you were getting a conservative 5% return after the age of 60. So for three years, it's based on the rolling average of that three year period, which is at 11% currently, which as I said is quite high. But then after that, it's based on a 5% return of your your balance at that time for a projection out. And it works out that based on that, if you were start drawing down a thousand dollars a week, it would last to sort of around the the 91 and 91 and a half sort of mark in terms of if you were just getting a 5% return and drawing down that thousand dollars a week. Now with that, you've always got to consider things like like super and then also your Centrelink entitlements as well. So as I said, it is just a general projection. But if things keep tracking the way they are at least for the next three years and then just getting a conservative more conservative return, then you yeah. You're looking at that thousand dollar a week drawdown really is quite achievable for that time frame as well. Yeah. And then, obviously, as you draw down a bit more on your super, at the age of 67, given that your balance might be quite high, you might not be eligible for, you know, even a part pension at that time. But as it does go down, then you can start looking at applying for the age pension to get those age pension benefits as well. Obviously, you've still got a little bit of work in life behind you there, so it's not right in the the forefront. Yeah. Yeah. So it's always something to to consider there as well. Obviously, the the main thing in the the short term there is obviously you're focused on paying down that mortgage to make sure that you're close to debt free at retirement, and that really does ease things as well. You might not even need that that thousand dollars a week at that point if you're only paying for things like rate and a little bit of travel for, you know, seeing the the kids and whatever grandkids there may be. Yeah. And that's the thing. You can look at things like a bit of downsizer contributions as well and things like that or whatever you sort of plan on doing as well. As far as the the beneficiary nominations go, we're recommending because, obviously, you don't have the Netwealth and the Tau policy still are outstanding. You do have the one listed on the Australian super, and that's for your partner for 8% and the two kids for 10% each. Now we're just recommending that you keep that in line with the new ones. Those are forms that we can send out to you via email or mail. That still need to be completed. Would you prefer it via mail or email? Because they do have to be, like, printed inside. Mail. We can even get them prefilled there for just the the details of your partner and the two kids because we do have their their names. And are you happy still to keep that $80.10 10 split? Perfect. That's all quite straightforward. And then, obviously, for the will and estate planning side of things, because you don't have one up set up, obviously, you'd like to generally do it in conjunction with your your partner and getting a joint will. So seeking a solicitor, getting that okay. Perfect. Perfect. And you're putting a power of attorney in place with that one as well? Yeah. Perfect. That was also part of the recommendation is that you get one of those set up as well. So that's the back half of the advice, which you're already across and getting sorted there as well. So in terms of the fee side of things, it is still 1.65 of the balance, which works out with the a twelve month period with the growth to be around the eight eight month. But given that the cap is at 600,000, they are looking at changing the fee structure a little bit soon. But given that once you hit that mark at the moment, you won't ever be charged above the $9.09. But as I said, that is under review. So come your next annual review time, that might be a different story. I think they're changing the tiers a little bit to extend it in lower balances, but at the moment, that's the way it does sit. So can't talk to future just yet, but it may change in the future. Yeah. But for the least for the next sort of signing of the twelve month period, if the if you were happy within that OSA range, it won't change. So that's just still what's listed. Come that next interview where things get updated, potentially, that might change. But and then the 22% of that insurance premium that you do pay. Now that's not something additionally that you pay. It's just because we get remunerated that from the insurer from the premium you pay that we have to disclose it, if that makes sense. Yeah. So that just comes out of the premium that you're currently paying. We obviously, yeah, just get paid that through the insurer that you pay to them as for keeping that policy in force. Now as far as the advice to you, if you are happy with everything and did sign it, OQ would do that rollover. As I said, it would go in per that original recommendation of those investments, which you can see that split in that table of what the allocations will be, and then you'll be able to see what the the estimated allocations will be. So if you do look at that and go, I'm not too comfortable having the level of allocations you do versus what the original portfolio was, we can look at that rebalance. As I said, there will be taxes involved with the sell downs and rebalancing of that given the growth that your super has experienced. But definitely can look at it if you aren't comfortable having, like, the higher amount in gold. But if you are happy having a slightly higher allocation to the gold, which a lot of people are at the moment, if anything, they're asking for more gold, then that's fine as well. And we'll email out those beneficiary forms that will be something you have to sign and return to us. Given that you are nominating the kids and your partner, they won't be able to be the witnesses on those, but anyone else over the age of 18, as long as they're not on that as a beneficiary, can witness that as well. And the last part was to set up the will, but you're already in the process of that, so that's happy days. But do you have any questions in regards to that at all today there, Neville? Not a problem. Yeah. If you have any questions, feel free to come back. As I said, you've got plenty of time to go through it. You got a month from the the February 18 there. So, you know, even if it's around the time you you're doing the wheel sort of things, yeah, that might be a reminder that you need to either sign or give us a call if you've got any questions in regards to that. Too easy, Neville. Well, you enjoy the rest of your time in the the city there and your time before you head back away, and we'll talk soon, I'm sure. No problem. Well, hopefully, I can get home and have a afternoon beer or something. Yeah. Too easy. Have a good one. No problem. Thanks. 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to HP Financial. This is Jacob speaking. Oh, okay, Neville. No worries. Give me one second.\n\nI'll just bring up your profile really quickly. Did you have an appointment booked in with him? Oh, okay. No worries, Neville. Cool.\n\nAwesome. I'll just quickly run you through a security, Neville. So I'll just get you to confirm your full name, date of birth, and current address for me, please. Awesome. Thanks for that one, Neville.\n\nDid you still have time to do that one now? Yeah. Okay, Neville. No worries. I'll pop you on a quick hold, and I'll just see whether he's available now.\n\nAlright. Thanks. Welcome to Oakview Financial. At Oakview Financial, we use an Good afternoon, Neville. You've come through to Kyle.\n\nHow are you going today? No. That that's perfectly fine. Understand you're you're quite a busy man, but hard to get ahold of of last week. No.\n\nThat's perfectly understandable, Neville. So with that, I do have you scheduled in to to go through that that statement of advice. Is now still a good time for you? Right. Yeah.\n\nI know with you with your line of work there as well, you're out for for quite some time with those swings in the days that you do. So hopefully, we can get this be gone for another week in a bit. No. That that's perfectly fine. So today, Neville, I'll be sending you through an OD sign.\n\nSo it's a bit different to the DocuSigns you've used previously. Now this should be going to nifty67@live.com.au. Is that still the correct email? Perfect. Now with this one here, you'll have, like, attachments in the email, and then you'll also have a link for the signable documents.\n\nNow with that one there, you'll have the the statement advice, the appendix, the OQ services guide, and then the financial services guide, which you can access on the website as well. And then there's a PDF to your current super. And then with that, with the signable documents, there is a third party authority, and then that's just to update the one on file for your retained fund just so we're able to get up to date information. And then, also, with the statement advice, if you're happy with everything and wanting to proceed with that one. So that would should be through to there shortly.\n\nNow in terms of the advice piece there, Neville, I can go through it, like, a little bit more in-depth, take our our time. If you do, you know, have a bit on this afternoon before you you head away for the the week and don't wanna spend it all on the phone, I can make it a bit quicker there for you so you can get back to your afternoon. Not a problem. I'll make it, like, quite brief, like, to see all the key points, compliance wise, and just make sure you've got a full understanding of it, then you can take it away, have a read of it. It was finalized there on the February 18, the last time they did all the figures for it.\n\nSo from there, it's valid to thirty days and then up to another thirty if you confirm all your details are the same. But as far as your details, and, Neville, since it has been a a little bit since we last spoke there, as far as, like, your occupation or your sort of assets and liabilities, that's all largely unchanged? Still doing the the drilling? Yep. And it was FMG.\n\nWhat company are you with now? Yep. And are you, like, full time with them? Are you, like, a contractor or something? Cool.\n\nYep. And then are you still doing, like, around a hundred and sixty hours across, like, the two week swing that you're doing, or has the swing changed a little bit as well? So very much unchanged, just a different employee. Yep. And then with being on the casual rates, has your income, like, increased a little bit?\n\nNo problem. I'll just make a note of that. That shouldn't affect the advice piece as well. It ended up being quite simple in terms of, like, what we are recommending. You don't you don't even have to open up because you are in the city.\n\nIt's probably a little bit hard to to view it on your phone while we're trying to have a chat anyway, but I'll run through the key points there for you, Neville. So as far as the advice piece created for yourself by myself, Kyle, as an authorized representative along with the team there under Okeech's financial Services license. Now in regards to it, it's done investing just due that we can't put in your better position. We don't recommend it. Now as far as what we're considering for this advice piece, it's mainly just superannuation retirement income needs to show you what that looks like based on what your goal was of that a thousand dollars per week by the age of 63 roughly.\n\nJust as, like, generalized figure. And then the estate planning side of things, this is a recommendation. As far as what's we've considered, had a conversation about bit more of accountability partners at the moment because you didn't seek advice on. That's regards to the insurance side of things, just where things are at, budgeting and saving, your debt management with paying down the property, and then investments outside of Supra with potentially your employer share program because we don't know a huge heap about that, and then salary sacrifice at the the moment you're happy with what you're doing. And are you still doing that with your new employer?\n\nYep. Not a problem at all. As I said, those are all things that are considered but not actually scoped into the advice piece, which is what that limited advice warning will be about. Now as far as the advice, it is quite simple. It is just to retain your Netwealth superannuation fund and then roll over a portion of that Australian super balance into the NetWell portfolio just to consolidate things a little bit more, establish your beneficiary nominations, and then go to a a lawyer to potentially set up a will or power of attorney.\n\nNow on page eight, you'll see your details, and then page nine as well will have your assets and liabilities. So just make sure they are all correct. The page over will have your current situation. So Australian to super is around 36,000, and then the net wealth is just shy of the 500,000 there at the moment. And then when we had the conversation about insurances, you just wanted to look at keeping that income protection through that Australian super just while you are still working just for that peace of mind.\n\nYeah. You still don't pay a huge amount for that one, and it is mainly for that income protection side of things. And then you also have the towel insurances there as well, which covers for a bit over the the mortgage value, which is the main thing that you want wanted to cover for. And then, yeah, and then the the policy out the car and a few other things there as well. Risk profile will stay the same as balance.\n\nNow leading into retirement there as well, you don't wanna take on a huge amount of risk with those fluctuations when you do wanna start drawing down on things. Given that you are working and earning, like, quite considerably, you could take on a little more risk. But if you're happy with your returns and now things are traveling, there's no need to to bump up that level of risk either. Yep. But as I said, there's just, like, a little retirement calculator to show you how things might look as a drawdown, but they ought to be taken with a grain of salt.\n\nBut the main thing there is that to consolidate your super, retain that 10,000 from Australian super, keep your contributions going into Australian super just for those insurances for now. And then with the yeah. With that, it'll just make sure that your balance is nice and consolidated, and it's in the fund that is performing better currently and getting those higher returns there at the moment. And then with that, reduces the cost administration wise between the two funds, getting those a little bit more consolidated and then less, like, not being spread apart. Yeah.\n\nSo the key benefits of that one is, like, your current portfolio with NetWell is performing better, but we are recommending an update to that anyway. Now with the the partial rolling over there as well, you will still be able to maintain that cover. And then with that, your exposure to growth assets, given that you did change it within Australian Super two balance, it will reduce the amount of high growth assets that you previously held in it, which were unchanged at the at the moment. So it'll put you more in line with your risk profile there as well. Yep.\n\nWe did consider the alternative of putting everything in Australian super, see how that works out versus having the net wealth in the split. It did work out that still having that retention still works in your best interest and come maybe a few years when you do hit 60 and can have access to your super if you're not able to work, then you could potentially look at just getting rid of your insurances altogether or maintaining a portion of them for, like, just that that house debt depending on how you go paying it down. Because worst case scenario, like, it's not fantastic that you'd have to rely on your superannuation and, like, government assistant programs. But if you're not working at the age of 60, you can have access to your super because you've met a condition of release. So in three years' time, that's something you don't have to worry about as much if you were out of work for whatever period of time if that's due to an injury.\n\nAs far as the investment change, you'll be able to see that on page 18. It just highlights what you'll be moving across there. So within regards to your portfolio, because it has been tracking quite well, you will be selling down the 26,000 of that Australian super, which will roll into that Netwealth account. Now with the investments and how they have been traveling, currently, given your portfolio, you still have that active investment with ClearBridge even though that you're in a more conservative portfolio. And then with your other assets there, they are indexed, so they do come at that lower cost.\n\nNow we did look at a rebalance for that as well, but you would be paying, like, a larger portion of CGT for selling those downs and rebalancing the portfolio. So with that, the allocation will just go in per your original recommended portfolio that you originally had, but the the percentage weightings will be askew from that slightly. So with that, because of the price of gold and how much that's increased lately, it'd be sitting more closer around the 17% in gold. Now that is a little bit higher, but gold can be considered a growth and a defensive asset. So with that, you will have a higher allocation to that one with how it's been traveling.\n\nIf we were to sell that back to the 10% weighting your original portfolio was, there's a quite a bit of a tax you'd have to pay towards that. And then given with the way how gold is traveling, it's still ticking along quite nicely. There is more than seen a need for us to rebalance the portfolio currently or switch your investments with how it has been moving for the past few years. I think the the last financial or last twelve month period, it did around 12% for a balanced portfolio that's really quite considerable. It's well over double, like, the expected sort of return from, like, a more conservative portfolio.\n\nYeah. So and given that when you come to 60 as well, we generally look at, like, transition to retirement strategies and being able to adjust those investments and rejig things to obviously help you out for those last few years leading up to retirement. So given the way that you, like, current super is performing, we're not looking at taking on that capital gains at the moment. We're just looking at maintaining your current portfolio and then just letting it be slightly askew from what the original recommendation was. It just means you have a little less in, like, high interest cash and a little bit less in the bank hybrids, which is another defensive asset, and a little bit more of a waiting towards the S and P 500 towards gold, and then the rest of nearly in line with what the original recommendation was, which so far is working out quite well given the current market.\n\nYep. All that considered, you will have around 530,000 in that Netwealth account. That will move forward for from that point once everything was signed and it was to roll over. But as I said, feel free to have a look at the figures there, see if you're happy with that, see if you're happy with those weightings. As I said, it is quite a high amount towards gold, But given how it has been traveling, if you were to reduce it now, you may be foregoing some potential gains moving forward.\n\nAnd then with that, there is the obviously opposite side downside risk that if it was to take a bit of a market correction and go down a little bit, there is a little bit more of a value towards that gold allocation. But we're seeing that given that we're gonna review it in that three year period anyway time, even if it did take a little bit of a dip something like the next year, hopefully, over those next three year period, it still travels quite nicely. Yeah. A lot of people are wanting to buy more gold, not sell out of it too at the moment. So It is.\n\nYeah. Just with the way the markets are, people go back to a little bit of that harder currency. It just seems there's, like, a little bit more solid in, like, what it's doing and its returns and how it is tracking with its value versus, like, those AI companies, which are a little bit all over the shop. I can even let you know. I'll see what the I'll generate a quick report just to show you what everything's currently doing.\n\nThat That'll just take a second to generate. And then with that, you'll be able to see your variance. So the portfolio that you're currently in with that conservative portfolio, it's aimed to be around a sixty forty split. Now with the change there and given that your Australian super will have a little less allocation to assets, it'll be sitting around 57% or 58 if you round up towards growth assets and about 42 towards defensive. Now within that, they have considered gold at the moment to be or fully a growth asset just the way it's been, like, moving at the last sort of few years.\n\nNow with that, gold can be considered defensive asset as well. So you could look at a bit more of a fifty fifty split depending on how you chop it. But with that, if anything, it makes your portfolio a tad more defensive than what it currently is, and the returns that it is getting anyway isn't quite an issue. If it slows down in the next year or two, we might review it. But given the way it's been tracking the past few years, as I said, there seems no reason to take on any tax at the moment to update anything with how it has been going.\n\nAnd and with that, obviously, we review it every year just to see how it is tracking. But a twelve twelve month period from today's date, your return's sitting around 14.26% with that one. And then the gold in that one is, like, it makes up 60% return for that that twelve month period. So if you were to sell out of it and gold continues to keep going, you might be foregoing those potential gains. Now with it being that it's tracked so high for the past few years, you do run the risk that there might be a slight correction, and it might go, you know, down a little bit one year.\n\nAnd then that's just something that you have to be mindful of moving forward and, like, just not panicking in those dips as well and trying to sell out. Yeah. Now with that, you will see on page 20 the projection on what that sort of looks like and where things will largely be at with that rollover to to Netwealth. Now it does work out that with the investment cost given that you are consolidating a little bit more towards your index investments of the Netwealth account, you will be saving a little bit on investment cost. The adviser fee given that the way things are performing, it's likely that that will go up just because your balance has continued to grow at the rate it is.\n\nAnd then with the percentage returns, that hasn't changed too much given that we're not updating the portfolio. We're just moving it over to Netwealth. But it does bump it up there slightly as well given that the the majority of balance is already in NetWell. So that makes up for how much returns you're currently getting, if that makes sense. Perfect.\n\nYou'll still have your insurance premiums coming out, which are creeping up there a little bit. But given that your balance can more than afford to to pay for that given the return it is currently getting, as a dollar figure of the turn for the past twelve months, it's sitting around 62,000 in, like, return value that it did get, which as I said, for the conservative portfolio, and it's really quite high, and that's largely due to the the growth of gold in that time period. Now with that, it does show the projections based on those, like, five year rolling average or the three year rolling average. So and what that might look like in five to six years just as a return value. But that's obviously to be taken with a grain of salt given the way the markets have been.\n\nThey might not repeat that three year on like, three year. So I thought I'd always be mindful that past projections aren't indicative of future. But in saying that as well, there is a slight retirement income calculator that was just thrown in there to show you what that look might look like. Now at the age of 63, if you were to start drawing down a thousand dollars a week with the assumption that you were getting a conservative 5% return after the age of 60. So for three years, it's based on the rolling average of that three year period, which is at 11% currently, which as I said is quite high.\n\nBut then after that, it's based on a 5% return of your your balance at that time for a projection out. And it works out that based on that, if you were start drawing down a thousand dollars a week, it would last to sort of around the the 91 and 91 and a half sort of mark in terms of if you were just getting a 5% return and drawing down that thousand dollars a week. Now with that, you've always got to consider things like like super and then also your Centrelink entitlements as well. So as I said, it is just a general projection. But if things keep tracking the way they are at least for the next three years and then just getting a conservative more conservative return, then you yeah.\n\nYou're looking at that thousand dollar a week drawdown really is quite achievable for that time frame as well. Yeah. And then, obviously, as you draw down a bit more on your super, at the age of 67, given that your balance might be quite high, you might not be eligible for, you know, even a part pension at that time. But as it does go down, then you can start looking at applying for the age pension to get those age pension benefits as well. Obviously, you've still got a little bit of work in life behind you there, so it's not right in the the forefront.\n\nYeah. Yeah. So it's always something to to consider there as well. Obviously, the the main thing in the the short term there is obviously you're focused on paying down that mortgage to make sure that you're close to debt free at retirement, and that really does ease things as well. You might not even need that that thousand dollars a week at that point if you're only paying for things like rate and a little bit of travel for, you know, seeing the the kids and whatever grandkids there may be.\n\nYeah. And that's the thing. You can look at things like a bit of downsizer contributions as well and things like that or whatever you sort of plan on doing as well. As far as the the beneficiary nominations go, we're recommending because, obviously, you don't have the Netwealth and the Tau policy still are outstanding. You do have the one listed on the Australian super, and that's for your partner for 8% and the two kids for 10% each.\n\nNow we're just recommending that you keep that in line with the new ones. Those are forms that we can send out to you via email or mail. That still need to be completed. Would you prefer it via mail or email? Because they do have to be, like, printed inside.\n\nMail. We can even get them prefilled there for just the the details of your partner and the two kids because we do have their their names. And are you happy still to keep that $80.10 10 split? Perfect. That's all quite straightforward.\n\nAnd then, obviously, for the will and estate planning side of things, because you don't have one up set up, obviously, you'd like to generally do it in conjunction with your your partner and getting a joint will. So seeking a solicitor, getting that okay. Perfect. Perfect. And you're putting a power of attorney in place with that one as well?\n\nYeah. Perfect. That was also part of the recommendation is that you get one of those set up as well. So that's the back half of the advice, which you're already across and getting sorted there as well. So in terms of the fee side of things, it is still 1.65 of the balance, which works out with the a twelve month period with the growth to be around the eight eight month.\n\nBut given that the cap is at 600,000, they are looking at changing the fee structure a little bit soon. But given that once you hit that mark at the moment, you won't ever be charged above the $9.09. But as I said, that is under review. So come your next annual review time, that might be a different story. I think they're changing the tiers a little bit to extend it in lower balances, but at the moment, that's the way it does sit.\n\nSo can't talk to future just yet, but it may change in the future. Yeah. But for the least for the next sort of signing of the twelve month period, if the if you were happy within that OSA range, it won't change. So that's just still what's listed. Come that next interview where things get updated, potentially, that might change.\n\nBut and then the 22% of that insurance premium that you do pay. Now that's not something additionally that you pay. It's just because we get remunerated that from the insurer from the premium you pay that we have to disclose it, if that makes sense. Yeah. So that just comes out of the premium that you're currently paying.\n\nWe obviously, yeah, just get paid that through the insurer that you pay to them as for keeping that policy in force. Now as far as the advice to you, if you are happy with everything and did sign it, OQ would do that rollover. As I said, it would go in per that original recommendation of those investments, which you can see that split in that table of what the allocations will be, and then you'll be able to see what the the estimated allocations will be. So if you do look at that and go, I'm not too comfortable having the level of allocations you do versus what the original portfolio was, we can look at that rebalance. As I said, there will be taxes involved with the sell downs and rebalancing of that given the growth that your super has experienced.\n\nBut definitely can look at it if you aren't comfortable having, like, the higher amount in gold. But if you are happy having a slightly higher allocation to the gold, which a lot of people are at the moment, if anything, they're asking for more gold, then that's fine as well. And we'll email out those beneficiary forms that will be something you have to sign and return to us. Given that you are nominating the kids and your partner, they won't be able to be the witnesses on those, but anyone else over the age of 18, as long as they're not on that as a beneficiary, can witness that as well. And the last part was to set up the will, but you're already in the process of that, so that's happy days.\n\nBut do you have any questions in regards to that at all today there, Neville? Not a problem. Yeah. If you have any questions, feel free to come back. As I said, you've got plenty of time to go through it.\n\nYou got a month from the the February 18 there. So, you know, even if it's around the time you you're doing the wheel sort of things, yeah, that might be a reminder that you need to either sign or give us a call if you've got any questions in regards to that. Too easy, Neville. Well, you enjoy the rest of your time in the the city there and your time before you head back away, and we'll talk soon, I'm sure. No problem.\n\nWell, hopefully, I can get home and have a afternoon beer or something. Yeah. Too easy. Have a good one. No problem.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Welcome to HP Financial.","start":2.48,"end":3.86,"sentiment":"neutral","sentiment_score":0.1464565470814705},{"text":"This is Jacob speaking.","start":3.9199998,"end":5.06,"sentiment":"neutral","sentiment_score":0.12710974365472794},{"text":"Oh, okay, Neville.","start":9.92,"end":10.8,"sentiment":"neutral","sentiment_score":0.038535659511884056},{"text":"No worries.","start":10.8,"end":11.44,"sentiment":"neutral","sentiment_score":0.08374686539173126},{"text":"Give me one second.","start":11.44,"end":12.4,"sentiment":"neutral","sentiment_score":0.09226403385400772}],"sentiment":"neutral","sentiment_score":0.10273070633411407,"num_words":17,"start":2.48,"end":12.4},{"sentences":[{"text":"I'll just bring up your profile really quickly.","start":12.4,"end":14.474999,"sentiment":"neutral","sentiment_score":0.16034036129713058},{"text":"Did you have an appointment booked in with him?","start":14.474999,"end":16.654999,"sentiment":"neutral","sentiment_score":0.04648588990999593},{"text":"Oh, okay.","start":19.755,"end":20.414999,"sentiment":"neutral","sentiment_score":0.10071120411157608},{"text":"No worries, Neville.","start":20.475,"end":21.695,"sentiment":"neutral","sentiment_score":0.16650187969207764},{"text":"Cool.","start":22.795,"end":23.295,"sentiment":"positive","sentiment_score":0.5048956274986267}],"sentiment":"neutral","sentiment_score":0.1263878075810878,"num_words":23,"start":12.4,"end":23.295},{"sentences":[{"text":"Awesome.","start":24.395,"end":24.875,"sentiment":"positive","sentiment_score":0.6156548261642456},{"text":"I'll just quickly run you through a security, Neville.","start":24.875,"end":27.3,"sentiment":"positive","sentiment_score":0.3588339222802056},{"text":"So I'll just get you to confirm your full name, date of birth, and current address for me, please.","start":27.3,"end":33.16,"sentiment":"neutral","sentiment_score":0.20122109353542328},{"text":"Awesome.","start":40.82,"end":41.3,"sentiment":"positive","sentiment_score":0.5207862257957458},{"text":"Thanks for that one, Neville.","start":41.3,"end":42.645,"sentiment":"positive","sentiment_score":0.6298357605934143}],"sentiment":"neutral","sentiment_score":0.32395216950348443,"num_words":35,"start":24.395,"end":42.645},{"sentences":[{"text":"Did you still have time to do that one now?","start":43.605,"end":45.625,"sentiment":"neutral","sentiment_score":0.24432405531406404},{"text":"Yeah.","start":45.765,"end":46.265,"sentiment":"neutral","sentiment_score":0.07837625592947006},{"text":"Okay, Neville.","start":49.925,"end":50.725,"sentiment":"neutral","sentiment_score":0.05485939979553223},{"text":"No worries.","start":50.725,"end":51.545,"sentiment":"neutral","sentiment_score":0.10465133935213089},{"text":"I'll pop you on a quick hold, and I'll just see whether he's available now.","start":51.925,"end":55.705,"sentiment":"neutral","sentiment_score":0.0955342506368955}],"sentiment":"neutral","sentiment_score":0.14245506823062898,"num_words":30,"start":43.605,"end":55.705},{"sentences":[{"text":"Alright.","start":57.125,"end":57.45,"sentiment":"neutral","sentiment_score":0.191385954618454},{"text":"Thanks.","start":57.530003,"end":58.030003,"sentiment":"neutral","sentiment_score":0.28420838713645935},{"text":"Welcome to Oakview Financial.","start":65.05,"end":67.07,"sentiment":"neutral","sentiment_score":0.19417770206928253},{"text":"At Oakview Financial, we use an Good afternoon, Neville.","start":67.53,"end":79.135,"sentiment":"neutral","sentiment_score":0.19957751697964138},{"text":"You've come through to Kyle.","start":79.135,"end":80.015,"sentiment":"neutral","sentiment_score":0.2471628189086914}],"sentiment":"neutral","sentiment_score":0.21421584486961365,"num_words":20,"start":57.125,"end":80.015},{"sentences":[{"text":"How are you going today?","start":80.015,"end":81.075,"sentiment":"neutral","sentiment_score":0.27137928903102876},{"text":"No.","start":84.415,"end":84.575,"sentiment":"neutral","sentiment_score":-0.13899816572666168},{"text":"That that's perfectly fine.","start":84.575,"end":86.01,"sentiment":"neutral","sentiment_score":-0.09874942619353533},{"text":"Understand you're you're quite a busy man, but hard to get ahold of of last week.","start":86.810005,"end":90.67,"sentiment":"neutral","sentiment_score":-0.24009558092802763},{"text":"No.","start":97.21,"end":97.37,"sentiment":"neutral","sentiment_score":-0.190136656165123}],"sentiment":"neutral","sentiment_score":-0.11884316208737868,"num_words":27,"start":80.015,"end":97.37},{"sentences":[{"text":"That's perfectly understandable, Neville.","start":97.37,"end":99.07,"sentiment":"neutral","sentiment_score":-0.13731314428150654},{"text":"So with that, I do have you scheduled in to to go through that that statement of advice.","start":99.65501,"end":103.975006,"sentiment":"neutral","sentiment_score":0.03695287948681249},{"text":"Is now still a good time for you?","start":103.975006,"end":105.755005,"sentiment":"neutral","sentiment_score":0.09784983145073056},{"text":"Right.","start":107.895004,"end":108.215004,"sentiment":"neutral","sentiment_score":0.10268153995275496},{"text":"Yeah.","start":108.215004,"end":108.715004,"sentiment":"neutral","sentiment_score":0.06759314984083176}],"sentiment":"neutral","sentiment_score":0.03340539359487593,"num_words":32,"start":97.37,"end":108.715004},{"sentences":[{"text":"I know with you with your line of work there as well, you're out for for quite some time with those swings in the days that you do.","start":108.775,"end":114.72,"sentiment":"neutral","sentiment_score":0.00018529174849390984},{"text":"So hopefully, we can get this be gone for another week in a bit.","start":114.72,"end":121.46,"sentiment":"neutral","sentiment_score":-0.13068509634052003},{"text":"No.","start":124.085,"end":124.244995,"sentiment":"neutral","sentiment_score":0.06162846088409424},{"text":"That that's perfectly fine.","start":124.244995,"end":125.365,"sentiment":"neutral","sentiment_score":0.2549230307340622},{"text":"So today, Neville, I'll be sending you through an OD sign.","start":125.365,"end":128.885,"sentiment":"neutral","sentiment_score":0.08545340123501691}],"sentiment":"neutral","sentiment_score":0.00339491064820824,"num_words":58,"start":108.775,"end":128.885},{"sentences":[{"text":"So it's a bit different to the DocuSigns you've used previously.","start":128.885,"end":131.545,"sentiment":"neutral","sentiment_score":0.036180002953518524},{"text":"Now this should be going to nifty67@live.com.au.","start":132.08499,"end":136.83,"sentiment":"neutral","sentiment_score":0.03461794488664184},{"text":"Is that still the correct email?","start":136.83,"end":138.37001,"sentiment":"neutral","sentiment_score":0.03541331769277652},{"text":"Perfect.","start":140.27,"end":140.67001,"sentiment":"positive","sentiment_score":0.6712368726730347},{"text":"Now with this one here, you'll have, like, attachments in the email, and then you'll also have a link for the signable documents.","start":140.67001,"end":146.45001,"sentiment":"neutral","sentiment_score":0.24222251448942267}],"sentiment":"neutral","sentiment_score":0.14781542205795026,"num_words":48,"start":128.885,"end":146.45001},{"sentences":[{"text":"Now with that one there, you'll have the the statement advice, the appendix, the OQ services guide, and then the financial services guide, which you can access on the website as well.","start":146.83,"end":155.205,"sentiment":"neutral","sentiment_score":0.18986344733275473},{"text":"And then there's a PDF to your current super.","start":155.425,"end":157.925,"sentiment":"neutral","sentiment_score":0.12486172467470169},{"text":"And then with that, with the signable documents, there is a third party authority, and then that's just to update the one on file for your retained fund just so we're able to get up to date information.","start":158.22499,"end":168.33,"sentiment":"neutral","sentiment_score":0.15776056953166662},{"text":"And then, also, with the statement advice, if you're happy with everything and wanting to proceed with that one.","start":168.39,"end":172.55,"sentiment":"neutral","sentiment_score":0.24579515504209618},{"text":"So that would should be through to there shortly.","start":172.55,"end":176.355,"sentiment":"neutral","sentiment_score":0.17442815668053097}],"sentiment":"neutral","sentiment_score":0.18162849378362994,"num_words":107,"start":146.83,"end":176.355},{"sentences":[{"text":"Now in terms of the advice piece there, Neville, I can go through it, like, a little bit more in-depth, take our our time.","start":176.355,"end":182.11499,"sentiment":"neutral","sentiment_score":0.10829520365223289},{"text":"If you do, you know, have a bit on this afternoon before you you head away for the the week and don't wanna spend it all on the phone, I can make it a bit quicker there for you so you can get back to your afternoon.","start":182.11499,"end":197.12999,"sentiment":"neutral","sentiment_score":0.10400535966804687},{"text":"Not a problem.","start":198.73,"end":199.29,"sentiment":"neutral","sentiment_score":0.25728485981623334},{"text":"I'll make it, like, quite brief, like, to see all the key points, compliance wise, and just make sure you've got a full understanding of it, then you can take it away, have a read of it.","start":199.29,"end":208.155,"sentiment":"neutral","sentiment_score":0.19879660745327538},{"text":"It was finalized there on the February 18, the last time they did all the figures for it.","start":208.155,"end":211.995,"sentiment":"neutral","sentiment_score":0.13138572126626968}],"sentiment":"neutral","sentiment_score":0.1393768126361592,"num_words":129,"start":176.355,"end":211.995},{"sentences":[{"text":"So from there, it's valid to thirty days and then up to another thirty if you confirm all your details are the same.","start":211.995,"end":217.02,"sentiment":"neutral","sentiment_score":0.11044727233440979},{"text":"But as far as your details, and, Neville, since it has been a a little bit since we last spoke there, as far as, like, your occupation or your sort of assets and liabilities, that's all largely unchanged?","start":217.58,"end":227.36,"sentiment":"neutral","sentiment_score":-0.03896389671258236},{"text":"Still doing the the drilling?","start":233.27501,"end":234.895,"sentiment":"neutral","sentiment_score":0.00767081044614315},{"text":"Yep.","start":237.195,"end":237.595,"sentiment":"neutral","sentiment_score":0.08876931667327881},{"text":"And it was FMG.","start":237.595,"end":238.975,"sentiment":"neutral","sentiment_score":0.04178203549236059}],"sentiment":"neutral","sentiment_score":0.019069164781503275,"num_words":71,"start":211.995,"end":238.975},{"sentences":[{"text":"What company are you with now?","start":239.195,"end":240.815,"sentiment":"neutral","sentiment_score":0.0300192649786671},{"text":"Yep.","start":253.38,"end":253.7,"sentiment":"neutral","sentiment_score":0.07344971597194672},{"text":"And are you, like, full time with them?","start":253.7,"end":255.7,"sentiment":"neutral","sentiment_score":0.04086439497768879},{"text":"Are you, like, a contractor or something?","start":255.7,"end":257.465,"sentiment":"neutral","sentiment_score":0.01467430658106293},{"text":"Cool.","start":260.725,"end":261.225,"sentiment":"positive","sentiment_score":0.5799866914749146}],"sentiment":"neutral","sentiment_score":0.05492118709599194,"num_words":23,"start":239.195,"end":261.225},{"sentences":[{"text":"Yep.","start":264.645,"end":265.145,"sentiment":"neutral","sentiment_score":0.2510308027267456},{"text":"And then are you still doing, like, around a hundred and sixty hours across, like, the two week swing that you're doing, or has the swing changed a little bit as well?","start":265.685,"end":272.91,"sentiment":"neutral","sentiment_score":0.022215566132217646},{"text":"So very much unchanged, just a different employee.","start":278.25,"end":282.48502,"sentiment":"neutral","sentiment_score":-0.10541982110589743},{"text":"Yep.","start":282.48502,"end":282.725,"sentiment":"neutral","sentiment_score":0.06091229245066643},{"text":"And then with being on the casual rates, has your income, like, increased a little bit?","start":282.725,"end":286.585,"sentiment":"neutral","sentiment_score":-0.012117241625674069}],"sentiment":"neutral","sentiment_score":-0.00024815902499289346,"num_words":58,"start":264.645,"end":286.585},{"sentences":[{"text":"No problem.","start":296.245,"end":297.30002,"sentiment":"neutral","sentiment_score":0.31528064608573914},{"text":"I'll just make a note of that.","start":297.76,"end":298.80002,"sentiment":"positive","sentiment_score":0.3515976369380951},{"text":"That shouldn't affect the advice piece as well.","start":298.80002,"end":300.72,"sentiment":"neutral","sentiment_score":0.2954845167696476},{"text":"It ended up being quite simple in terms of, like, what we are recommending.","start":300.72,"end":303.78003,"sentiment":"positive","sentiment_score":0.5597735473087856},{"text":"You don't you don't even have to open up because you are in the city.","start":304.80002,"end":307.44,"sentiment":"neutral","sentiment_score":0.07381805405020714}],"sentiment":"neutral","sentiment_score":0.3130374208254659,"num_words":46,"start":296.245,"end":307.44},{"sentences":[{"text":"It's probably a little bit hard to to view it on your phone while we're trying to have a chat anyway, but I'll run through the key points there for you, Neville.","start":307.44,"end":314.175,"sentiment":"neutral","sentiment_score":-0.10897823888808489},{"text":"So as far as the advice piece created for yourself by myself, Kyle, as an authorized representative along with the team there under Okeech's financial Services license.","start":314.175,"end":323.78,"sentiment":"neutral","sentiment_score":0.032727048387406046},{"text":"Now in regards to it, it's done investing just due that we can't put in your better position.","start":324.96,"end":328.56,"sentiment":"neutral","sentiment_score":-0.3055351910491784},{"text":"We don't recommend it.","start":328.56,"end":329.69998,"sentiment":"negative","sentiment_score":-0.5920329391956329},{"text":"Now as far as what we're considering for this advice piece, it's mainly just superannuation retirement income needs to show you what that looks like based on what your goal was of that a thousand dollars per week by the age of 63 roughly.","start":329.75998,"end":341.875,"sentiment":"neutral","sentiment_score":-0.0015995638783682477}],"sentiment":"neutral","sentiment_score":-0.0843345547541976,"num_words":125,"start":307.44,"end":341.875},{"sentences":[{"text":"Just as, like, generalized figure.","start":342.57498,"end":344.195,"sentiment":"neutral","sentiment_score":0.11530486196279525},{"text":"And then the estate planning side of things, this is a recommendation.","start":344.57498,"end":347.155,"sentiment":"neutral","sentiment_score":0.138895054658254},{"text":"As far as what's we've considered, had a conversation about bit more of accountability partners at the moment because you didn't seek advice on.","start":347.29498,"end":354.17,"sentiment":"neutral","sentiment_score":-0.00030439502249161404},{"text":"That's regards to the insurance side of things, just where things are at, budgeting and saving, your debt management with paying down the property, and then investments outside of Supra with potentially your employer share program because we don't know a huge heap about that, and then salary sacrifice at the the moment you're happy with what you're doing.","start":354.17,"end":373.615,"sentiment":"neutral","sentiment_score":0.004507488093607254},{"text":"And are you still doing that with your new employer?","start":373.615,"end":375.715,"sentiment":"neutral","sentiment_score":-0.022955452278256416}],"sentiment":"neutral","sentiment_score":0.020657697817395355,"num_words":110,"start":342.57498,"end":375.715},{"sentences":[{"text":"Yep.","start":382.99,"end":383.49,"sentiment":"neutral","sentiment_score":0.07446318864822388},{"text":"Not a problem at all.","start":387.87,"end":388.935,"sentiment":"neutral","sentiment_score":0.14653401374816893},{"text":"As I said, those are all things that are considered but not actually scoped into the advice piece, which is what that limited advice warning will be about.","start":389.335,"end":395.51498,"sentiment":"neutral","sentiment_score":-0.046384540386497974},{"text":"Now as far as the advice, it is quite simple.","start":395.655,"end":397.495,"sentiment":"neutral","sentiment_score":0.2264392778277397},{"text":"It is just to retain your Netwealth superannuation fund and then roll over a portion of that Australian super balance into the NetWell portfolio just to consolidate things a little bit more, establish your beneficiary nominations, and then go to a a lawyer to potentially set up a will or power of attorney.","start":397.495,"end":414.26,"sentiment":"neutral","sentiment_score":0.1567562293472155}],"sentiment":"neutral","sentiment_score":0.10392617587883447,"num_words":97,"start":382.99,"end":414.26},{"sentences":[{"text":"Now on page eight, you'll see your details, and then page nine as well will have your assets and liabilities.","start":415.295,"end":420.655,"sentiment":"neutral","sentiment_score":0.09731336645781993},{"text":"So just make sure they are all correct.","start":420.655,"end":422.435,"sentiment":"neutral","sentiment_score":0.12135033868253231},{"text":"The page over will have your current situation.","start":422.655,"end":425.715,"sentiment":"neutral","sentiment_score":0.09403295069932938},{"text":"So Australian to super is around 36,000, and then the net wealth is just shy of the 500,000 there at the moment.","start":425.855,"end":432.97998,"sentiment":"neutral","sentiment_score":0.10225084153088657},{"text":"And then when we had the conversation about insurances, you just wanted to look at keeping that income protection through that Australian super just while you are still working just for that peace of mind.","start":433.43997,"end":442.9,"sentiment":"neutral","sentiment_score":0.12003467412931579}],"sentiment":"neutral","sentiment_score":0.1088179113163102,"num_words":93,"start":415.295,"end":442.9},{"sentences":[{"text":"Yeah.","start":443.19998,"end":443.69998,"sentiment":"neutral","sentiment_score":0.2247648388147354},{"text":"You still don't pay a huge amount for that one, and it is mainly for that income protection side of things.","start":444.16498,"end":448.00497,"sentiment":"neutral","sentiment_score":0.28974157855624244},{"text":"And then you also have the towel insurances there as well, which covers for a bit over the the mortgage value, which is the main thing that you want wanted to cover for.","start":448.00497,"end":456.63,"sentiment":"neutral","sentiment_score":0.2083348356413119},{"text":"And then, yeah, and then the the policy out the car and a few other things there as well.","start":456.79,"end":461.69,"sentiment":"neutral","sentiment_score":0.12749856004589483},{"text":"Risk profile will stay the same as balance.","start":462.87,"end":464.97,"sentiment":"neutral","sentiment_score":0.09032975556328893}],"sentiment":"neutral","sentiment_score":0.1991402225614321,"num_words":82,"start":443.19998,"end":464.97},{"sentences":[{"text":"Now leading into retirement there as well, you don't wanna take on a huge amount of risk with those fluctuations when you do wanna start drawing down on things.","start":465.51,"end":471.825,"sentiment":"neutral","sentiment_score":0.0599150403306402},{"text":"Given that you are working and earning, like, quite considerably, you could take on a little more risk.","start":472.30502,"end":476.30502,"sentiment":"neutral","sentiment_score":0.20166795659396383},{"text":"But if you're happy with your returns and now things are traveling, there's no need to to bump up that level of risk either.","start":476.30502,"end":482.08502,"sentiment":"neutral","sentiment_score":0.19933401544888815},{"text":"Yep.","start":485.185,"end":485.685,"sentiment":"neutral","sentiment_score":0.2986508309841156},{"text":"But as I said, there's just, like, a little retirement calculator to show you how things might look as a drawdown, but they ought to be taken with a grain of salt.","start":485.825,"end":493.09003,"sentiment":"neutral","sentiment_score":0.14456100831739604}],"sentiment":"neutral","sentiment_score":0.1449632582326348,"num_words":104,"start":465.51,"end":493.09003},{"sentences":[{"text":"But the main thing there is that to consolidate your super, retain that 10,000 from Australian super, keep your contributions going into Australian super just for those insurances for now.","start":493.09003,"end":501.905,"sentiment":"neutral","sentiment_score":0.27364561160405476},{"text":"And then with the yeah.","start":502.525,"end":504.525,"sentiment":"neutral","sentiment_score":0.15969717502593994},{"text":"With that, it'll just make sure that your balance is nice and consolidated, and it's in the fund that is performing better currently and getting those higher returns there at the moment.","start":504.525,"end":513.505,"sentiment":"positive","sentiment_score":0.3706079700496048},{"text":"And then with that, reduces the cost administration wise between the two funds, getting those a little bit more consolidated and then less, like, not being spread apart.","start":513.72504,"end":523.10004,"sentiment":"positive","sentiment_score":0.35560174020273344},{"text":"Yeah.","start":525.4,"end":525.72003,"sentiment":"positive","sentiment_score":0.35863855481147766}],"sentiment":"neutral","sentiment_score":0.32482079734715325,"num_words":96,"start":493.09003,"end":525.72003},{"sentences":[{"text":"So the key benefits of that one is, like, your current portfolio with NetWell is performing better, but we are recommending an update to that anyway.","start":525.72003,"end":532.305,"sentiment":"positive","sentiment_score":0.5132275177882268},{"text":"Now with the the partial rolling over there as well, you will still be able to maintain that cover.","start":532.685,"end":537.825,"sentiment":"positive","sentiment_score":0.4874074333592465},{"text":"And then with that, your exposure to growth assets, given that you did change it within Australian Super two balance, it will reduce the amount of high growth assets that you previously held in it, which were unchanged at the at the moment.","start":537.96497,"end":550.73,"sentiment":"positive","sentiment_score":0.3559691160917282},{"text":"So it'll put you more in line with your risk profile there as well.","start":551.35,"end":554.81,"sentiment":"positive","sentiment_score":0.3481899659548487},{"text":"Yep.","start":557.26996,"end":557.745,"sentiment":"neutral","sentiment_score":0.22680938243865967}],"sentiment":"positive","sentiment_score":0.41759997664146054,"num_words":103,"start":525.72003,"end":557.745},{"sentences":[{"text":"We did consider the alternative of putting everything in Australian super, see how that works out versus having the net wealth in the split.","start":557.985,"end":564.065,"sentiment":"neutral","sentiment_score":0.20326616211483875},{"text":"It did work out that still having that retention still works in your best interest and come maybe a few years when you do hit 60 and can have access to your super if you're not able to work, then you could potentially look at just getting rid of your insurances altogether or maintaining a portion of them for, like, just that that house debt depending on how you go paying it down.","start":564.065,"end":583.25,"sentiment":"neutral","sentiment_score":0.22223136563823648},{"text":"Because worst case scenario, like, it's not fantastic that you'd have to rely on your superannuation and, like, government assistant programs.","start":584.11,"end":590.475,"sentiment":"neutral","sentiment_score":0.08292587811038607},{"text":"But if you're not working at the age of 60, you can have access to your super because you've met a condition of release.","start":590.475,"end":595.615,"sentiment":"neutral","sentiment_score":0.25696103057513636},{"text":"So in three years' time, that's something you don't have to worry about as much if you were out of work for whatever period of time if that's due to an injury.","start":595.675,"end":602.46,"sentiment":"neutral","sentiment_score":0.07491310039767995}],"sentiment":"neutral","sentiment_score":0.18050002855858926,"num_words":174,"start":557.985,"end":602.46},{"sentences":[{"text":"As far as the investment change, you'll be able to see that on page 18.","start":606.44,"end":609.8,"sentiment":"neutral","sentiment_score":0.18613752573728562},{"text":"It just highlights what you'll be moving across there.","start":609.8,"end":613.5,"sentiment":"neutral","sentiment_score":0.29116233852174545},{"text":"So within regards to your portfolio, because it has been tracking quite well, you will be selling down the 26,000 of that Australian super, which will roll into that Netwealth account.","start":613.88,"end":625.235,"sentiment":"neutral","sentiment_score":0.2736958093460529},{"text":"Now with the investments and how they have been traveling, currently, given your portfolio, you still have that active investment with ClearBridge even though that you're in a more conservative portfolio.","start":625.45496,"end":637.05005,"sentiment":"neutral","sentiment_score":0.1650416973617769},{"text":"And then with your other assets there, they are indexed, so they do come at that lower cost.","start":637.83,"end":641.675,"sentiment":"neutral","sentiment_score":0.1595539136065377}],"sentiment":"neutral","sentiment_score":0.21043612582322496,"num_words":104,"start":606.44,"end":641.675},{"sentences":[{"text":"Now we did look at a rebalance for that as well, but you would be paying, like, a larger portion of CGT for selling those downs and rebalancing the portfolio.","start":641.675,"end":650.33496,"sentiment":"neutral","sentiment_score":0.0671798345943292},{"text":"So with that, the allocation will just go in per your original recommended portfolio that you originally had, but the the percentage weightings will be askew from that slightly.","start":650.875,"end":660.79,"sentiment":"neutral","sentiment_score":0.05673375176586982},{"text":"So with that, because of the price of gold and how much that's increased lately, it'd be sitting more closer around the 17% in gold.","start":660.79,"end":667.955,"sentiment":"neutral","sentiment_score":0.033737308159470555},{"text":"Now that is a little bit higher, but gold can be considered a growth and a defensive asset.","start":668.255,"end":672.11505,"sentiment":"neutral","sentiment_score":0.10699253136085139},{"text":"So with that, you will have a higher allocation to that one with how it's been traveling.","start":672.73505,"end":677.695,"sentiment":"neutral","sentiment_score":0.0956810114576536}],"sentiment":"neutral","sentiment_score":0.06770209497733026,"num_words":119,"start":641.675,"end":677.695},{"sentences":[{"text":"If we were to sell that back to the 10% weighting your original portfolio was, there's a quite a bit of a tax you'd have to pay towards that.","start":677.695,"end":683.95,"sentiment":"neutral","sentiment_score":-0.05980858360898906},{"text":"And then given with the way how gold is traveling, it's still ticking along quite nicely.","start":684.08997,"end":687.85,"sentiment":"neutral","sentiment_score":0.23271954525262117},{"text":"There is more than seen a need for us to rebalance the portfolio currently or switch your investments with how it has been moving for the past few years.","start":687.85,"end":695.625,"sentiment":"neutral","sentiment_score":0.023967506813591923},{"text":"I think the the last financial or last twelve month period, it did around 12% for a balanced portfolio that's really quite considerable.","start":695.865,"end":702.845,"sentiment":"neutral","sentiment_score":0.1830819767454396},{"text":"It's well over double, like, the expected sort of return from, like, a more conservative portfolio.","start":704.185,"end":709.965,"sentiment":"positive","sentiment_score":0.35143385361880064}],"sentiment":"neutral","sentiment_score":0.11077830637187029,"num_words":113,"start":677.695,"end":709.965},{"sentences":[{"text":"Yeah.","start":712.72,"end":713.12,"sentiment":"neutral","sentiment_score":0.18025976419448853},{"text":"So and given that when you come to 60 as well, we generally look at, like, transition to retirement strategies and being able to adjust those investments and rejig things to obviously help you out for those last few years leading up to retirement.","start":713.12,"end":725.3,"sentiment":"neutral","sentiment_score":0.24583583359013905},{"text":"So given the way that you, like, current super is performing, we're not looking at taking on that capital gains at the moment.","start":725.855,"end":732.25494,"sentiment":"neutral","sentiment_score":-0.17774649579887805},{"text":"We're just looking at maintaining your current portfolio and then just letting it be slightly askew from what the original recommendation was.","start":732.25494,"end":740.355,"sentiment":"neutral","sentiment_score":0.09352600303563205},{"text":"It just means you have a little less in, like, high interest cash and a little bit less in the bank hybrids, which is another defensive asset, and a little bit more of a waiting towards the S and P 500 towards gold, and then the rest of nearly in line with what the original recommendation was, which so far is working out quite well given the current market.","start":740.80005,"end":760.03503,"sentiment":"neutral","sentiment_score":0.20625990896445254}],"sentiment":"neutral","sentiment_score":0.1459017158749531,"num_words":159,"start":712.72,"end":760.03503},{"sentences":[{"text":"Yep.","start":763.61505,"end":764.11505,"sentiment":"neutral","sentiment_score":0.2859559953212738},{"text":"All that considered, you will have around 530,000 in that Netwealth account.","start":764.335,"end":768.65,"sentiment":"positive","sentiment_score":0.34133634716272354},{"text":"That will move forward for from that point once everything was signed and it was to roll over.","start":768.89,"end":773.07,"sentiment":"neutral","sentiment_score":0.3015638026926253},{"text":"But as I said, feel free to have a look at the figures there, see if you're happy with that, see if you're happy with those weightings.","start":773.29,"end":778.08997,"sentiment":"neutral","sentiment_score":0.24881376602031566},{"text":"As I said, it is quite a high amount towards gold, But given how it has been traveling, if you were to reduce it now, you may be foregoing some potential gains moving forward.","start":778.08997,"end":787.805,"sentiment":"neutral","sentiment_score":-0.026234234409297213}],"sentiment":"neutral","sentiment_score":0.1699581339388438,"num_words":92,"start":763.61505,"end":787.805},{"sentences":[{"text":"And then with that, there is the obviously opposite side downside risk that if it was to take a bit of a market correction and go down a little bit, there is a little bit more of a value towards that gold allocation.","start":788.025,"end":797.94,"sentiment":"neutral","sentiment_score":-0.08466024991384773},{"text":"But we're seeing that given that we're gonna review it in that three year period anyway time, even if it did take a little bit of a dip something like the next year, hopefully, over those next three year period, it still travels quite nicely.","start":798.64,"end":809.315,"sentiment":"neutral","sentiment_score":0.19348324288924534},{"text":"Yeah.","start":813.055,"end":813.455,"sentiment":"neutral","sentiment_score":0.14653697609901428},{"text":"A lot of people are wanting to buy more gold, not sell out of it too at the moment.","start":813.455,"end":817.375,"sentiment":"neutral","sentiment_score":0.09870962406459607},{"text":"So It is.","start":817.375,"end":819.23505,"sentiment":"neutral","sentiment_score":0.2315861980120341}],"sentiment":"neutral","sentiment_score":0.07011832082056785,"num_words":111,"start":788.025,"end":819.23505},{"sentences":[{"text":"Yeah.","start":819.695,"end":820.11,"sentiment":"neutral","sentiment_score":0.15612870454788208},{"text":"Just with the way the markets are, people go back to a little bit of that harder currency.","start":820.19,"end":823.47,"sentiment":"neutral","sentiment_score":0.15942590021424824},{"text":"It just seems there's, like, a little bit more solid in, like, what it's doing and its returns and how it is tracking with its value versus, like, those AI companies, which are a little bit all over the shop.","start":823.47,"end":833.89,"sentiment":"neutral","sentiment_score":0.14706216454505922},{"text":"I can even let you know.","start":836.455,"end":837.5751,"sentiment":"neutral","sentiment_score":0.3099975685278575},{"text":"I'll see what the I'll generate a quick report just to show you what everything's currently doing.","start":837.5751,"end":844.79504,"sentiment":"neutral","sentiment_score":0.24267002414254582}],"sentiment":"neutral","sentiment_score":0.1816299672170383,"num_words":82,"start":819.695,"end":844.79504},{"sentences":[{"text":"That That'll just take a second to generate.","start":848.215,"end":850.12,"sentiment":"neutral","sentiment_score":0.1332975048571825},{"text":"And then with that, you'll be able to see your variance.","start":850.42004,"end":852.58,"sentiment":"neutral","sentiment_score":0.1444360146468336},{"text":"So the portfolio that you're currently in with that conservative portfolio, it's aimed to be around a sixty forty split.","start":852.58,"end":859.14,"sentiment":"neutral","sentiment_score":0.20649837478995323},{"text":"Now with the change there and given that your Australian super will have a little less allocation to assets, it'll be sitting around 57% or 58 if you round up towards growth assets and about 42 towards defensive.","start":859.14,"end":872.975,"sentiment":"neutral","sentiment_score":0.03428923735689176},{"text":"Now within that, they have considered gold at the moment to be or fully a growth asset just the way it's been, like, moving at the last sort of few years.","start":873.035,"end":882.25995,"sentiment":"neutral","sentiment_score":0.1471378218022085}],"sentiment":"neutral","sentiment_score":0.11712414065927819,"num_words":108,"start":848.215,"end":882.25995},{"sentences":[{"text":"Now with that, gold can be considered defensive asset as well.","start":882.25995,"end":885.22,"sentiment":"neutral","sentiment_score":0.14877593991431323},{"text":"So you could look at a bit more of a fifty fifty split depending on how you chop it.","start":885.22,"end":888.89996,"sentiment":"neutral","sentiment_score":0.1335137062951138},{"text":"But with that, if anything, it makes your portfolio a tad more defensive than what it currently is, and the returns that it is getting anyway isn't quite an issue.","start":888.89996,"end":897.715,"sentiment":"neutral","sentiment_score":0.1576442783077558},{"text":"If it slows down in the next year or two, we might review it.","start":897.715,"end":900.59503,"sentiment":"neutral","sentiment_score":-0.29561263429267065},{"text":"But given the way it's been tracking the past few years, as I said, there seems no reason to take on any tax at the moment to update anything with how it has been going.","start":900.59503,"end":910.625,"sentiment":"neutral","sentiment_score":0.010459900753838675}],"sentiment":"neutral","sentiment_score":0.04706553902921327,"num_words":109,"start":882.25995,"end":910.625},{"sentences":[{"text":"And and with that, obviously, we review it every year just to see how it is tracking.","start":910.625,"end":917.0921,"sentiment":"neutral","sentiment_score":0.11453825629809324},{"text":"But a twelve twelve month period from today's date, your return's sitting around 14.26% with that one.","start":917.0921,"end":926.315,"sentiment":"neutral","sentiment_score":0.22491061161546147},{"text":"And then the gold in that one is, like, it makes up 60% return for that that twelve month period.","start":926.315,"end":932.635,"sentiment":"neutral","sentiment_score":0.22863785699009895},{"text":"So if you were to sell out of it and gold continues to keep going, you might be foregoing those potential gains.","start":932.635,"end":937.81,"sentiment":"neutral","sentiment_score":-0.23112950338558716},{"text":"Now with it being that it's tracked so high for the past few years, you do run the risk that there might be a slight correction, and it might go, you know, down a little bit one year.","start":937.81,"end":946.29,"sentiment":"negative","sentiment_score":-0.45111609681656484}],"sentiment":"neutral","sentiment_score":-0.10424449876473661,"num_words":114,"start":910.625,"end":946.29},{"sentences":[{"text":"And then that's just something that you have to be mindful of moving forward and, like, just not panicking in those dips as well and trying to sell out.","start":946.29,"end":953.385,"sentiment":"neutral","sentiment_score":-0.05910806338591822},{"text":"Yeah.","start":953.385,"end":953.885,"sentiment":"neutral","sentiment_score":0.061950452625751495},{"text":"Now with that, you will see on page 20 the projection on what that sort of looks like and where things will largely be at with that rollover to to Netwealth.","start":957.625,"end":966.765,"sentiment":"neutral","sentiment_score":0.07942641802853154},{"text":"Now it does work out that with the investment cost given that you are consolidating a little bit more towards your index investments of the Netwealth account, you will be saving a little bit on investment cost.","start":966.905,"end":977.43,"sentiment":"positive","sentiment_score":0.39196482542398814},{"text":"The adviser fee given that the way things are performing, it's likely that that will go up just because your balance has continued to grow at the rate it is.","start":977.73,"end":985.085,"sentiment":"neutral","sentiment_score":0.30288089265426}],"sentiment":"neutral","sentiment_score":0.19061844448151533,"num_words":128,"start":946.29,"end":985.085},{"sentences":[{"text":"And then with the percentage returns, that hasn't changed too much given that we're not updating the portfolio.","start":985.145,"end":990.685,"sentiment":"neutral","sentiment_score":0.0915671835343043},{"text":"We're just moving it over to Netwealth.","start":990.745,"end":992.765,"sentiment":"neutral","sentiment_score":0.12366945935147149},{"text":"But it does bump it up there slightly as well given that the the majority of balance is already in NetWell.","start":993.465,"end":999.2,"sentiment":"neutral","sentiment_score":0.19116114612136567},{"text":"So that makes up for how much returns you're currently getting, if that makes sense.","start":999.2,"end":1003.06,"sentiment":"neutral","sentiment_score":0.26699166297912597},{"text":"Perfect.","start":1005.2,"end":1005.7,"sentiment":"positive","sentiment_score":0.6854997873306274}],"sentiment":"neutral","sentiment_score":0.18094603741361248,"num_words":62,"start":985.145,"end":1005.7},{"sentences":[{"text":"You'll still have your insurance premiums coming out, which are creeping up there a little bit.","start":1005.83997,"end":1009.425,"sentiment":"neutral","sentiment_score":0.3114754455164075},{"text":"But given that your balance can more than afford to to pay for that given the return it is currently getting, as a dollar figure of the turn for the past twelve months, it's sitting around 62,000 in, like, return value that it did get, which as I said, for the conservative portfolio, and it's really quite high, and that's largely due to the the growth of gold in that time period.","start":1009.745,"end":1029.1799,"sentiment":"positive","sentiment_score":0.3913493769036399},{"text":"Now with that, it does show the projections based on those, like, five year rolling average or the three year rolling average.","start":1033.32,"end":1038.845,"sentiment":"neutral","sentiment_score":0.05766111231324347},{"text":"So and what that might look like in five to six years just as a return value.","start":1038.845,"end":1043.345,"sentiment":"neutral","sentiment_score":0.03804878517985344},{"text":"But that's obviously to be taken with a grain of salt given the way the markets have been.","start":1043.485,"end":1047.345,"sentiment":"neutral","sentiment_score":-0.1271401515437497}],"sentiment":"neutral","sentiment_score":0.22612147142404113,"num_words":145,"start":1005.83997,"end":1047.345},{"sentences":[{"text":"They might not repeat that three year on like, three year.","start":1047.405,"end":1050.21,"sentiment":"neutral","sentiment_score":-0.1338413256135854},{"text":"So I thought I'd always be mindful that past projections aren't indicative of future.","start":1050.5299,"end":1054.39,"sentiment":"neutral","sentiment_score":-0.10596169145511729},{"text":"But in saying that as well, there is a slight retirement income calculator that was just thrown in there to show you what that look might look like.","start":1055.49,"end":1063.01,"sentiment":"neutral","sentiment_score":0.13763697232518876},{"text":"Now at the age of 63, if you were to start drawing down a thousand dollars a week with the assumption that you were getting a conservative 5% return after the age of 60.","start":1063.01,"end":1072.605,"sentiment":"neutral","sentiment_score":0.10804302979479818},{"text":"So for three years, it's based on the rolling average of that three year period, which is at 11% currently, which as I said is quite high.","start":1072.605,"end":1079.2,"sentiment":"neutral","sentiment_score":0.1388141926791933}],"sentiment":"neutral","sentiment_score":0.07297862437145229,"num_words":114,"start":1047.405,"end":1079.2},{"sentences":[{"text":"But then after that, it's based on a 5% return of your your balance at that time for a projection out.","start":1079.4199,"end":1084.86,"sentiment":"neutral","sentiment_score":0.23359039212976182},{"text":"And it works out that based on that, if you were start drawing down a thousand dollars a week, it would last to sort of around the the 91 and 91 and a half sort of mark in terms of if you were just getting a 5% return and drawing down that thousand dollars a week.","start":1084.86,"end":1099.425,"sentiment":"neutral","sentiment_score":0.15341142751276493},{"text":"Now with that, you've always got to consider things like like super and then also your Centrelink entitlements as well.","start":1099.965,"end":1108.16,"sentiment":"neutral","sentiment_score":0.1849210664629936},{"text":"So as I said, it is just a general projection.","start":1108.16,"end":1110.1,"sentiment":"neutral","sentiment_score":0.2163480043411255},{"text":"But if things keep tracking the way they are at least for the next three years and then just getting a conservative more conservative return, then you yeah.","start":1110.3201,"end":1117.095,"sentiment":"neutral","sentiment_score":0.2762059691761221}],"sentiment":"neutral","sentiment_score":0.20068227174105469,"num_words":135,"start":1079.4199,"end":1117.095},{"sentences":[{"text":"You're looking at that thousand dollar a week drawdown really is quite achievable for that time frame as well.","start":1117.095,"end":1122.155,"sentiment":"positive","sentiment_score":0.38530683360601725},{"text":"Yeah.","start":1124.535,"end":1124.855,"sentiment":"neutral","sentiment_score":0.2415300011634827},{"text":"And then, obviously, as you draw down a bit more on your super, at the age of 67, given that your balance might be quite high, you might not be eligible for, you know, even a part pension at that time.","start":1124.855,"end":1134.26,"sentiment":"neutral","sentiment_score":0.08199167433308392},{"text":"But as it does go down, then you can start looking at applying for the age pension to get those age pension benefits as well.","start":1134.26,"end":1139.64,"sentiment":"neutral","sentiment_score":0.17669950932264328},{"text":"Obviously, you've still got a little bit of work in life behind you there, so it's not right in the the forefront.","start":1142.775,"end":1147.755,"sentiment":"neutral","sentiment_score":-0.22207142073999753}],"sentiment":"neutral","sentiment_score":0.09681421263074433,"num_words":108,"start":1117.095,"end":1147.755},{"sentences":[{"text":"Yeah.","start":1148.775,"end":1149.275,"sentiment":"neutral","sentiment_score":-0.2501870393753052},{"text":"Yeah.","start":1150.4551,"end":1150.855,"sentiment":"neutral","sentiment_score":-0.1041283756494522},{"text":"So it's always something to to consider there as well.","start":1150.855,"end":1153.755,"sentiment":"neutral","sentiment_score":-0.05209689661860466},{"text":"Obviously, the the main thing in the the short term there is obviously you're focused on paying down that mortgage to make sure that you're close to debt free at retirement, and that really does ease things as well.","start":1154.375,"end":1162.9501,"sentiment":"positive","sentiment_score":0.34244619921231884},{"text":"You might not even need that that thousand dollars a week at that point if you're only paying for things like rate and a little bit of travel for, you know, seeing the the kids and whatever grandkids there may be.","start":1163.01,"end":1172.3551,"sentiment":"neutral","sentiment_score":0.09603771730893995}],"sentiment":"neutral","sentiment_score":0.17845286736669747,"num_words":92,"start":1148.775,"end":1172.3551},{"sentences":[{"text":"Yeah.","start":1178.255,"end":1178.495,"sentiment":"neutral","sentiment_score":0.12804651260375977},{"text":"And that's the thing.","start":1178.495,"end":1179.2151,"sentiment":"neutral","sentiment_score":0.1358097568154335},{"text":"You can look at things like a bit of downsizer contributions as well and things like that or whatever you sort of plan on doing as well.","start":1179.2151,"end":1185.96,"sentiment":"neutral","sentiment_score":0.10812923795095196},{"text":"As far as the the beneficiary nominations go, we're recommending because, obviously, you don't have the Netwealth and the Tau policy still are outstanding.","start":1189.06,"end":1196.84,"sentiment":"neutral","sentiment_score":0.24211405652264753},{"text":"You do have the one listed on the Australian super, and that's for your partner for 8% and the two kids for 10% each.","start":1196.9,"end":1203.9049,"sentiment":"neutral","sentiment_score":0.2280613500624895}],"sentiment":"neutral","sentiment_score":0.18593730903230607,"num_words":80,"start":1178.255,"end":1203.9049},{"sentences":[{"text":"Now we're just recommending that you keep that in line with the new ones.","start":1203.9049,"end":1206.705,"sentiment":"neutral","sentiment_score":0.24621483364275523},{"text":"Those are forms that we can send out to you via email or mail.","start":1206.705,"end":1210.23,"sentiment":"neutral","sentiment_score":0.06368310190737247},{"text":"That still need to be completed.","start":1210.47,"end":1211.9299,"sentiment":"neutral","sentiment_score":0.0378707085425655},{"text":"Would you prefer it via mail or email?","start":1212.87,"end":1214.87,"sentiment":"neutral","sentiment_score":0.08251008531078696},{"text":"Because they do have to be, like, printed inside.","start":1214.87,"end":1216.8099,"sentiment":"neutral","sentiment_score":0.07353037347396214}],"sentiment":"neutral","sentiment_score":0.11544410573939483,"num_words":51,"start":1203.9049,"end":1216.8099},{"sentences":[{"text":"Mail.","start":1220.3099,"end":1220.8099,"sentiment":"neutral","sentiment_score":0.1092364341020584},{"text":"We can even get them prefilled there for just the the details of your partner and the two kids because we do have their their names.","start":1221.27,"end":1227.355,"sentiment":"neutral","sentiment_score":0.20174135325046685},{"text":"And are you happy still to keep that $80.10 10 split?","start":1229.255,"end":1232.235,"sentiment":"neutral","sentiment_score":0.18286166136915033},{"text":"Perfect.","start":1234.7749,"end":1235.2749,"sentiment":"positive","sentiment_score":0.6470588445663452},{"text":"That's all quite straightforward.","start":1236.4401,"end":1237.9,"sentiment":"positive","sentiment_score":0.538791835308075}],"sentiment":"neutral","sentiment_score":0.23647014138310454,"num_words":43,"start":1220.3099,"end":1237.9},{"sentences":[{"text":"And then, obviously, for the will and estate planning side of things, because you don't have one up set up, obviously, you'd like to generally do it in conjunction with your your partner and getting a joint will.","start":1237.9601,"end":1247.24,"sentiment":"neutral","sentiment_score":0.1809387881504862},{"text":"So seeking a solicitor, getting that okay.","start":1247.24,"end":1252.0751,"sentiment":"neutral","sentiment_score":0.0838993282190391},{"text":"Perfect.","start":1252.0751,"end":1252.5751,"sentiment":"neutral","sentiment_score":0.30848485231399536},{"text":"Perfect.","start":1260.635,"end":1261.135,"sentiment":"positive","sentiment_score":0.7222800254821777},{"text":"And you're putting a power of attorney in place with that one as well?","start":1262.875,"end":1271.058,"sentiment":"neutral","sentiment_score":0.1979955296431269}],"sentiment":"neutral","sentiment_score":0.1846831400008475,"num_words":61,"start":1237.9601,"end":1271.058},{"sentences":[{"text":"Yeah.","start":1271.7739,"end":1272.2739,"sentiment":"positive","sentiment_score":0.3705483078956604},{"text":"Perfect.","start":1272.99,"end":1273.49,"sentiment":"positive","sentiment_score":0.6141058206558228},{"text":"That was also part of the recommendation is that you get one of those set up as well.","start":1273.7899,"end":1277.565,"sentiment":"positive","sentiment_score":0.35683367484145695},{"text":"So that's the back half of the advice, which you're already across and getting sorted there as well.","start":1277.565,"end":1282.225,"sentiment":"neutral","sentiment_score":0.23263292676872677},{"text":"So in terms of the fee side of things, it is still 1.65 of the balance, which works out with the a twelve month period with the growth to be around the eight eight month.","start":1282.605,"end":1291.905,"sentiment":"neutral","sentiment_score":0.07859967521258764}],"sentiment":"neutral","sentiment_score":0.1965211176708953,"num_words":73,"start":1271.7739,"end":1291.905},{"sentences":[{"text":"But given that the cap is at 600,000, they are looking at changing the fee structure a little bit soon.","start":1292.0,"end":1297.36,"sentiment":"neutral","sentiment_score":-0.025886011170223357},{"text":"But given that once you hit that mark at the moment, you won't ever be charged above the $9.09.","start":1297.36,"end":1302.7201,"sentiment":"neutral","sentiment_score":0.028331836612012825},{"text":"But as I said, that is under review.","start":1302.7201,"end":1304.0801,"sentiment":"neutral","sentiment_score":-0.052334920736029744},{"text":"So come your next annual review time, that might be a different story.","start":1304.0801,"end":1307.415,"sentiment":"neutral","sentiment_score":-0.07169814894978817},{"text":"I think they're changing the tiers a little bit to extend it in lower balances, but at the moment, that's the way it does sit.","start":1307.415,"end":1313.8351,"sentiment":"neutral","sentiment_score":-0.049506448358297345}],"sentiment":"neutral","sentiment_score":-0.030209786340813425,"num_words":85,"start":1292.0,"end":1313.8351},{"sentences":[{"text":"So can't talk to future just yet, but it may change in the future.","start":1314.055,"end":1317.435,"sentiment":"neutral","sentiment_score":-0.13642577454447746},{"text":"Yeah.","start":1319.06,"end":1319.38,"sentiment":"neutral","sentiment_score":0.052320316433906555},{"text":"But for the least for the next sort of signing of the twelve month period, if the if you were happy within that OSA range, it won't change.","start":1319.38,"end":1326.3401,"sentiment":"neutral","sentiment_score":-0.08883062111479896},{"text":"So that's just still what's listed.","start":1326.3401,"end":1327.9601,"sentiment":"neutral","sentiment_score":-0.025831224823681016},{"text":"Come that next interview where things get updated, potentially, that might change.","start":1328.1001,"end":1332.0951,"sentiment":"neutral","sentiment_score":-0.013682883232831955}],"sentiment":"neutral","sentiment_score":-0.07646032567441341,"num_words":61,"start":1314.055,"end":1332.0951},{"sentences":[{"text":"But and then the 22% of that insurance premium that you do pay.","start":1332.0951,"end":1335.935,"sentiment":"neutral","sentiment_score":-0.023472918913914606},{"text":"Now that's not something additionally that you pay.","start":1335.935,"end":1337.8551,"sentiment":"neutral","sentiment_score":-0.03883021092042327},{"text":"It's just because we get remunerated that from the insurer from the premium you pay that we have to disclose it, if that makes sense.","start":1337.8551,"end":1343.97,"sentiment":"neutral","sentiment_score":0.03070356845855713},{"text":"Yeah.","start":1345.73,"end":1346.0499,"sentiment":"neutral","sentiment_score":0.10738914459943771},{"text":"So that just comes out of the premium that you're currently paying.","start":1346.0499,"end":1348.47,"sentiment":"neutral","sentiment_score":0.07659134610245626}],"sentiment":"neutral","sentiment_score":0.01997093010251805,"num_words":59,"start":1332.0951,"end":1348.47},{"sentences":[{"text":"We obviously, yeah, just get paid that through the insurer that you pay to them as for keeping that policy in force.","start":1349.1699,"end":1354.47,"sentiment":"neutral","sentiment_score":0.15674442989852236},{"text":"Now as far as the advice to you, if you are happy with everything and did sign it, OQ would do that rollover.","start":1354.77,"end":1361.085,"sentiment":"neutral","sentiment_score":0.3306098776343076},{"text":"As I said, it would go in per that original recommendation of those investments, which you can see that split in that table of what the allocations will be, and then you'll be able to see what the the estimated allocations will be.","start":1361.1449,"end":1372.9049,"sentiment":"neutral","sentiment_score":0.19318687101436216},{"text":"So if you do look at that and go, I'm not too comfortable having the level of allocations you do versus what the original portfolio was, we can look at that rebalance.","start":1372.9049,"end":1380.02,"sentiment":"neutral","sentiment_score":-0.18066602246835828},{"text":"As I said, there will be taxes involved with the sell downs and rebalancing of that given the growth that your super has experienced.","start":1380.02,"end":1386.68,"sentiment":"neutral","sentiment_score":-0.07545286067761481}],"sentiment":"neutral","sentiment_score":0.08171707445641611,"num_words":144,"start":1349.1699,"end":1386.68},{"sentences":[{"text":"But definitely can look at it if you aren't comfortable having, like, the higher amount in gold.","start":1387.9401,"end":1392.5751,"sentiment":"neutral","sentiment_score":0.011455173878108753},{"text":"But if you are happy having a slightly higher allocation to the gold, which a lot of people are at the moment, if anything, they're asking for more gold, then that's fine as well.","start":1392.5751,"end":1401.795,"sentiment":"neutral","sentiment_score":0.16080223922343814},{"text":"And we'll email out those beneficiary forms that will be something you have to sign and return to us.","start":1402.5751,"end":1407.32,"sentiment":"neutral","sentiment_score":0.24593205749988556},{"text":"Given that you are nominating the kids and your partner, they won't be able to be the witnesses on those, but anyone else over the age of 18, as long as they're not on that as a beneficiary, can witness that as well.","start":1407.46,"end":1417.745,"sentiment":"neutral","sentiment_score":0.10702685145444649},{"text":"And the last part was to set up the will, but you're already in the process of that, so that's happy days.","start":1418.4451,"end":1422.625,"sentiment":"positive","sentiment_score":0.41895913129503076}],"sentiment":"neutral","sentiment_score":0.17891836061521812,"num_words":135,"start":1387.9401,"end":1422.625},{"sentences":[{"text":"But do you have any questions in regards to that at all today there, Neville?","start":1422.925,"end":1426.7051,"sentiment":"neutral","sentiment_score":0.06908425365885099},{"text":"Not a problem.","start":1433.9,"end":1434.7201,"sentiment":"positive","sentiment_score":0.41602028409639996},{"text":"Yeah.","start":1434.78,"end":1435.18,"sentiment":"neutral","sentiment_score":0.30944326519966125},{"text":"If you have any questions, feel free to come back.","start":1435.18,"end":1437.02,"sentiment":"neutral","sentiment_score":0.2011701911687851},{"text":"As I said, you've got plenty of time to go through it.","start":1437.02,"end":1438.9401,"sentiment":"neutral","sentiment_score":0.2750111569960912}],"sentiment":"neutral","sentiment_score":0.1928196028783554,"num_words":41,"start":1422.925,"end":1438.9401},{"sentences":[{"text":"You got a month from the the February 18 there.","start":1438.9401,"end":1441.26,"sentiment":"neutral","sentiment_score":0.09041422964073717},{"text":"So, you know, even if it's around the time you you're doing the wheel sort of things, yeah, that might be a reminder that you need to either sign or give us a call if you've got any questions in regards to that.","start":1441.26,"end":1450.645,"sentiment":"neutral","sentiment_score":0.037209893165286195},{"text":"Too easy, Neville.","start":1453.3451,"end":1454.0651,"sentiment":"positive","sentiment_score":0.46126755078633624},{"text":"Well, you enjoy the rest of your time in the the city there and your time before you head back away, and we'll talk soon, I'm sure.","start":1454.0651,"end":1459.6,"sentiment":"positive","sentiment_score":0.5202101822252627},{"text":"No problem.","start":1463.66,"end":1464.14,"sentiment":"neutral","sentiment_score":0.32853561639785767}],"sentiment":"neutral","sentiment_score":0.21871431185589993,"num_words":85,"start":1438.9401,"end":1464.14},{"sentences":[{"text":"Well, hopefully, I can get home and have a afternoon beer or something.","start":1464.14,"end":1466.96,"sentiment":"neutral","sentiment_score":0.30111118348745197},{"text":"Yeah.","start":1468.94,"end":1469.44,"sentiment":"neutral","sentiment_score":0.15951623022556305},{"text":"Too easy.","start":1469.66,"end":1470.3088,"sentiment":"positive","sentiment_score":0.34863588213920593},{"text":"Have a good one.","start":1470.4689,"end":1472.0688,"sentiment":"positive","sentiment_score":0.4866083338856697},{"text":"No problem.","start":1472.0688,"end":1472.6288,"sentiment":"neutral","sentiment_score":0.30201879143714905}],"sentiment":"neutral","sentiment_score":0.33280474082990125,"num_words":22,"start":1464.14,"end":1472.6288},{"sentences":[{"text":"Thanks.","start":1472.6288,"end":1472.9489,"sentiment":"positive","sentiment_score":0.4025329053401947},{"text":"Bye.","start":1472.9489,"end":1473.4489,"sentiment":"neutral","sentiment_score":0.156631201505661}],"sentiment":"neutral","sentiment_score":0.27958205342292786,"num_words":2,"start":1472.6288,"end":1473.4489}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Welcome to HP Financial. This is Jacob speaking.\n\nChannel 0: Hey. Good day, mate. My name is Neville Black. I just missed a phone call from Kyle.\n\nChannel 1: Oh, okay, Neville. No worries. Give me one second. I'll just bring up your profile really quickly. Did you have an appointment booked in with him?\n\nChannel 0: Yeah. I did it. It was 11:00 this morning.\n\nChannel 1: Oh, okay. No worries, Neville. Cool. Awesome. I'll just quickly run you through a security, Neville.\n\nSo I'll just\n\nChannel 0: Yep.\n\nChannel 1: get you to confirm your full name, date of birth, and current address for me, please.\n\nChannel 0: Yeah. Neville William Black. 06/09/1967. 35 Condor Nav in Pinjarra, Western Australia.\n\nChannel 1: Awesome. Thanks for that one, Neville. Did you still have time to do that one now? Yeah.\n\nChannel 0: Yes, mate. Yeah. If he if he's available. Yeah.\n\nChannel 1: Okay, Neville. No worries. I'll pop you on a quick hold, and I'll just see whether he's available now.\n\nChannel 0: Alright, mate. Thank you.\n\nChannel 1: Alright. Thanks. Welcome to Oakview Financial. At Oakview Financial, we use an Good afternoon, Neville. You've come through to Kyle.\n\nHow are you going today?\n\nChannel 0: Yeah. Good. Thanks, Carl. Sorry I missed your call, mate.\n\nChannel 1: No. That that's perfectly fine. Understand you're you're quite a busy man, but hard to get ahold of of last week.\n\nChannel 0: Just doing these jobs, mate. That's all trying to organize work and that's yeah.\n\nChannel 1: No. That's perfectly understandable, Neville. So with that, I do have you scheduled in to to go through that that statement of advice. Is now still a good time for you?\n\nChannel 0: Yes, mate. It is here.\n\nChannel 1: Right. Yeah. I know with you with your line of work there as well, you're out for for quite some time with those swings in the days that you do. So\n\nChannel 0: Yeah.\n\nChannel 1: hopefully, we\n\nChannel 0: I'm\n\nChannel 1: can get\n\nChannel 0: going\n\nChannel 1: this\n\nChannel 0: out Thursday, so I didn't wanna miss you again. Yep.\n\nChannel 1: be gone for another week in a bit.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: No. That that's perfectly fine. So today, Neville, I'll be sending you through an OD sign. So it's a bit different to the DocuSigns you've used previously. Now this\n\nChannel 0: Oh,\n\nChannel 1: should\n\nChannel 0: yeah?\n\nChannel 1: be going to nifty67@live.com.au. Is that still the correct email?\n\nChannel 0: That's right, mate. Yeah.\n\nChannel 1: Perfect. Now with this one here, you'll have, like, attachments in the email, and then you'll also have a link for the signable documents. Now with that one there, you'll have the the statement advice, the appendix, the OQ services guide, and then the financial services guide, which you can access on the website as well. And then there's\n\nChannel 0: Hi,\n\nChannel 1: a\n\nChannel 0: Karen.\n\nChannel 1: PDF to your current super. And then with that, with the signable documents, there is a third party authority, and then that's just to update the one on file for your retained fund just so we're able to get up to date information. And then, also, with the statement advice, if you're happy with everything and wanting to proceed with that one. So that would should\n\nChannel 0: Yep.\n\nChannel 1: be through to there shortly.\n\nChannel 0: Yep.\n\nChannel 1: Now in terms of the advice piece there, Neville, I can go through it, like, a little bit more in-depth, take our our time. If you do, you know, have a bit on this afternoon before you you head away for the the week and don't wanna spend it all on the phone, I can make it a bit quicker there for you so you can get back\n\nChannel 0: Yeah, mate. Yeah.\n\nChannel 1: to\n\nChannel 0: I'm just in the city at the moment, so I\n\nChannel 1: your\n\nChannel 0: had to come into town this morning, so I had to get\n\nChannel 1: afternoon.\n\nChannel 0: something. But yeah.\n\nChannel 1: Not a problem. I'll make it, like, quite brief, like, to see all the key points, compliance\n\nChannel 0: Yep.\n\nChannel 1: wise, and just make sure you've got a full understanding of it, then you can take it away, have a read of it. It was finalized there on the February 18, the last time they did all the figures for it. So from there, it's valid to thirty days and then up to another thirty if you confirm all your details are the same. But as far as your details, and, Neville, since it has been a a little bit since we last spoke there, as far as, like, your occupation or your sort of assets and liabilities, that's all largely unchanged?\n\nChannel 0: Yeah. Just the occupations change. That's all. So just different company that I'm working for. So yeah.\n\nChannel 1: Still doing the the drilling?\n\nChannel 0: Yes, mate. Yeah. That's right.\n\nChannel 1: Yep. And it was FMG. What company are you with now?\n\nChannel 0: It's for a recruitment agency. It's called Scott and Furnacy, and it's a mining mob called Maca, m a c a.\n\nChannel 1: Yep. And are you, like, full time with them? Are you, like, a contractor or something?\n\nChannel 0: Just casual, mate. Just casual at the moment. So\n\nChannel 1: Cool. Yep. And then are you still doing, like, around a hundred and sixty hours across, like, the two week swing that you're doing, or has the swing changed a little bit as well?\n\nChannel 0: No. It's still twelve hour days, so there's certainly a bit rough when you that amount.\n\nChannel 1: So very much unchanged, just a different\n\nChannel 0: Unchanged. Yeah.\n\nChannel 1: employee. Yep. And then with being on the casual rates, has your income, like, increased a little bit?\n\nChannel 0: I don't think so. They they got me on $65 an hour, so I don't think it would have changed a great deal.\n\nChannel 1: No problem. I'll just make a note of that. That shouldn't affect the advice piece as well. It ended up being quite simple in terms of, like, what we are recommending.\n\nChannel 0: Okay.\n\nChannel 1: You don't you don't even have to open up because you are in the city. It's probably a little bit hard to to view it on your phone while we're trying to have a chat anyway, but I'll run through the key points there for you, Neville. So as far as the advice piece created for yourself by myself, Kyle, as an authorized representative along with the team there under Okeech's financial Services license. Now in regards to it, it's done investing just due that we can't put in your better position. We don't recommend it.\n\nNow as far as what we're considering for this advice piece, it's mainly just superannuation retirement income needs to show you what that looks like based on what your goal was of that a thousand dollars per week by the age of 63 roughly.\n\nChannel 0: Yep.\n\nChannel 1: Just as, like, generalized figure. And then the estate planning side of things, this is a recommendation. As far as what's we've considered, had a conversation about bit more of accountability partners at the moment because you didn't seek advice on. That's regards to the insurance side of things, just where things are at, budgeting and saving, your debt management with paying down the property, and then investments outside of Supra with potentially your employer share program because we don't know a huge heap about that, and then salary sacrifice at the the moment you're happy with what you're doing. And are you still doing that with your new employer?\n\nChannel 0: Yeah. I'm trying to do, mate. I'll get back into it once I start up again. I'd probably haven't done it for about a month. So, yeah, I'll\n\nChannel 1: Yep.\n\nChannel 0: be putting a $100 back in every every price. So yeah.\n\nChannel 1: Not a problem at all. As I said, those are all things that are considered but not actually scoped into the advice piece, which is what that limited advice warning will be about. Now as far as the advice, it is quite simple. It is just to retain your Netwealth superannuation fund and then roll over a portion of that Australian super balance into the NetWell portfolio just to consolidate things a little bit more,\n\nChannel 0: Yep.\n\nChannel 1: establish your beneficiary nominations, and then go to a a lawyer to potentially set up a will or power of attorney. Now on page eight, you'll see your details, and then page nine as well will have your assets and liabilities. So just make sure they are all correct. The page over will have your current situation. So Australian to super is around 36,000, and then the net wealth is just shy of the 500,000 there at the moment.\n\nAnd then when we had the conversation about insurances, you just wanted to look at keeping that income protection through that Australian super just while you are still working just for that\n\nChannel 0: Yeah.\n\nChannel 1: peace\n\nChannel 0: My\n\nChannel 1: of mind. Yeah.\n\nChannel 0: yeah. Yep.\n\nChannel 1: You still don't pay a huge amount for that one, and it is mainly for that income protection side of things. And then you also have the towel insurances there as well, which covers for a bit over the the mortgage value, which is the main thing that you want wanted to cover for. And\n\nChannel 0: Exactly.\n\nChannel 1: then,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, and then the the policy out the car and a few other things there as well. Risk profile will stay the same as balance. Now leading into retirement there as well, you don't wanna take on a huge amount of risk with those fluctuations when you do wanna start drawing down on things. Given that you are working and earning, like, quite considerably, you could take on a little more risk. But if you're happy with your returns and now things are traveling, there's no need to to bump up that level of risk either.\n\nChannel 0: Alright then. Yeah. No worries at all.\n\nChannel 1: Yep. But as I said, there's just, like, a little retirement calculator to show you how things might look as a drawdown, but they ought to be taken with a grain of salt. But the main thing there is that to consolidate your super, retain that 10,000 from Australian super, keep your contributions going into Australian super just for those insurances for now. And then\n\nChannel 0: Yeah. That's right.\n\nChannel 1: with\n\nChannel 0: Yeah.\n\nChannel 1: the yeah. With that, it'll just make sure that your balance is nice and consolidated, and it's in the fund that is performing better currently and getting those higher returns there at the moment. And then with that, reduces the cost administration wise between the two funds, getting those a little bit more consolidated and then less, like, not being spread apart.\n\nChannel 0: Right. No worries.\n\nChannel 1: Yeah. So the key benefits of that one is, like, your current portfolio with NetWell is performing better, but we are recommending an update to that anyway. Now with the the partial rolling over there as well, you will still be able to maintain that cover. And then with that, your exposure to growth assets, given that you did change it within Australian Super two balance, it will reduce the amount of high growth assets that you previously held in it, which were unchanged at the at the moment. So it'll put you more in line with your risk profile there as well.\n\nChannel 0: Alright.\n\nChannel 1: Yep. We did consider the alternative of putting everything in Australian super, see how that works out versus having the net wealth in the split. It did work out that still having that retention still works in your best interest and come maybe a few years when you do hit 60 and can have access to your super if you're not able to work, then you could potentially look at just getting rid of your insurances altogether or maintaining a portion\n\nChannel 0: Oh,\n\nChannel 1: of them for, like, just that that house debt depending\n\nChannel 0: yeah.\n\nChannel 1: on how you go paying it down.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: Righto.\n\nChannel 1: worst case scenario, like, it's not fantastic that you'd have to rely on your superannuation and, like, government assistant programs. But if you're not working at the age of 60, you can have access to your super because you've met a condition of release. So in three years' time, that's something you don't have to worry about as much if you were out of work for whatever period of time if that's due to an\n\nChannel 0: Yep.\n\nChannel 1: injury.\n\nChannel 0: Alright, Ivan.\n\nChannel 1: As far as the investment change, you'll be able to see that on page 18. It just highlights what you'll be moving across there. So within regards to your portfolio, because it has been tracking quite well, you will be selling down the 26,000 of that Australian super, which will roll into that Netwealth account. Now with the investments and how they have been traveling, currently, given your portfolio, you still have that active investment with ClearBridge even though that you're in a more conservative portfolio. And then with your other assets there, they are indexed, so they do come at that lower cost.\n\nNow we did look at a rebalance for that as well, but you would be paying, like, a larger portion of CGT for selling those downs and rebalancing the portfolio. So\n\nChannel 0: Right.\n\nChannel 1: with that, the allocation will just go in per your original recommended portfolio that you originally had, but the the percentage weightings will be askew from that slightly. So with that, because of the price of gold and how much that's increased lately, it'd be sitting more closer around the 17% in gold. Now that is a little bit higher, but gold can be considered a growth and a defensive asset. So with that,\n\nChannel 0: Okay.\n\nChannel 1: you will have a higher allocation to that one with how it's been traveling. If we were to sell that back to the 10% weighting your original portfolio was, there's a quite a bit of a tax you'd have to pay towards that. And then given with the way how gold is traveling, it's still ticking along quite nicely. There is more than seen a need for us to rebalance the portfolio currently or switch your investments with how it has been moving for the past few years. I think the the last financial or last twelve month period, it did around 12% for a balanced portfolio that's really quite considerable.\n\nChannel 0: Alright.\n\nChannel 1: It's well over double, like, the expected sort of return from, like, a more conservative portfolio.\n\nChannel 0: Right on. Okay. Sounds good. Yeah.\n\nChannel 1: Yeah. So and given that when you come to 60 as well, we generally look at, like, transition to retirement strategies and being able to adjust those investments and rejig things to obviously help you out for those last few years leading up to retirement.\n\nChannel 0: Yep.\n\nChannel 1: So given the way that you, like, current super is performing, we're not looking at taking on that capital gains at the moment. We're just looking at maintaining your current portfolio and then just letting it be slightly askew from what the original recommendation was. It just means you have a little less in, like, high interest cash and a little bit less in the bank hybrids, which is another defensive asset, and a little bit\n\nChannel 0: Right.\n\nChannel 1: more of a waiting towards the S and P 500 towards gold, and then the rest of nearly in line with what the original recommendation was, which so far is working out quite well given the current market.\n\nChannel 0: Okay. Okay. Yeah. It sounds good. Yep.\n\nChannel 1: Yep. All that considered, you will have around 530,000 in that Netwealth account. That will move forward for from that point once everything was signed and it was to roll over. But as I said, feel free to have a look at the figures there, see if you're happy with that, see if you're happy with those weightings. As I said, it is quite a high amount towards gold, But given how it has been traveling, if you were to reduce it now, you may be foregoing some potential gains moving forward.\n\nAnd then with that, there is the obviously opposite side downside risk that if it was to take a bit of a market correction and go down a little bit, there is a little bit more of a value towards that gold allocation. But\n\nChannel 0: Yeah.\n\nChannel 1: we're seeing that given that we're gonna review it in that three year period anyway time, even if it did take a little bit of a dip something like the next year, hopefully, over those next three year period, it still travels quite nicely.\n\nChannel 0: Yeah. I'm pretty sure it will, actually. Yeah.\n\nChannel 1: Yeah. A lot of people are wanting to buy more gold, not sell out of it too at the moment. So\n\nChannel 0: Oh, that's a good\n\nChannel 1: It\n\nChannel 0: thing.\n\nChannel 1: is. Yeah. Just with the way the markets are, people go back to a little bit of that harder currency. It just seems there's, like, a little bit more solid in, like, what it's doing and its returns and how it is tracking with its value versus, like, those AI companies, which are a little bit all over the shop.\n\nChannel 0: Yeah. Right, Evan.\n\nChannel 1: I can even let you know. I'll see what the I'll generate a quick report just to show you what everything's currently doing. That That'll just take a second to generate. And then with that, you'll be able to see your variance. So the portfolio that you're currently in with that conservative portfolio, it's aimed to be around a sixty forty split.\n\nNow with the change there and given that your Australian super will have a little less allocation to assets, it'll be sitting around 57% or 58 if you round up towards growth assets and about 42 towards defensive. Now within that, they have considered gold at the moment to be or fully a growth asset just the way it's been, like, moving at the last sort of few years. Now with that, gold can be considered defensive asset as well. So you could look at a bit more of a fifty fifty split depending on how you chop it. But with that, if anything, it makes your portfolio a tad more defensive than what it currently is, and the returns that it is getting anyway isn't quite an issue.\n\nIf it slows down in the next year or two, we might review it. But given the way it's been tracking the past few years, as I said, there seems no reason to take on any tax at the moment to update anything with how it has been\n\nChannel 0: Righto.\n\nChannel 1: going.\n\nChannel 0: No\n\nChannel 1: And\n\nChannel 0: worries.\n\nChannel 1: and with that, obviously, we review it every year just to see how it is tracking. But a twelve twelve month period from today's date, your return's sitting around 14.26% with that one. And then the gold in that one is, like, it makes up 60% return for that that twelve month period. So if you were to sell out of it and gold continues to keep going, you might be foregoing those potential gains. Now with it being that it's tracked so high for the past few years, you do run the risk that there might be a slight correction, and it might go, you know, down a little bit one year.\n\nAnd then that's just something that you have to be mindful of moving forward and, like, just not panicking in those dips as well and trying to\n\nChannel 0: Yeah.\n\nChannel 1: sell\n\nChannel 0: Alright\n\nChannel 1: out.\n\nChannel 0: then.\n\nChannel 1: Yeah.\n\nChannel 0: No worries. Okay.\n\nChannel 1: Now with that, you will see on page 20 the projection on what that sort of looks like and where things will largely be at with that rollover to to Netwealth. Now it does work out that with the investment cost given that you are consolidating a little bit more towards your index investments of the Netwealth account, you will be saving a little bit on investment cost. The adviser fee given that the way things are performing, it's likely that that will go up just because your balance has continued to grow at the rate it is. And then with the percentage returns, that hasn't changed too much given that we're not updating the portfolio. We're just moving it over to Netwealth.\n\nBut it does bump it up there slightly as well given that the the\n\nChannel 0: Right.\n\nChannel 1: majority of balance is already in NetWell. So that makes up for how much returns you're currently getting, if that makes sense.\n\nChannel 0: Yep. It does. Yeah.\n\nChannel 1: Perfect. You'll still have your insurance premiums coming out, which are creeping up there a little bit. But given that your balance can more than afford to to pay for that given the return it is currently getting, as a dollar figure of the turn for the past twelve months, it's sitting around 62,000 in, like, return value that it did get, which as I said, for the conservative portfolio, and it's really quite high, and that's largely due to the the growth of gold in that time period.\n\nChannel 0: Right. Okay.\n\nChannel 1: Now with that, it does show the projections based on those, like, five year rolling average or the three year rolling average. So and what that might look like in five to six years just as a return value. But that's obviously to be taken with a grain of salt given the way the markets have been. They might not repeat that three year on like, three year. So I thought I'd always be mindful that past projections aren't indicative of future.\n\nBut in saying that as well, there is a slight retirement income calculator that was just thrown in there to show you what that look might look like. Now at the age of 63, if you were to start drawing down a thousand dollars a week with the assumption that you were getting a conservative 5% return after the age of 60. So for three years, it's based on the rolling average of that three year period, which is at 11% currently, which as I said is quite high. But then\n\nChannel 0: Yep.\n\nChannel 1: after that, it's based on a 5% return of your your balance at that time for a projection out. And it works out that based on that, if you were start drawing down a thousand dollars a week, it would last to sort of around the the 91 and 91 and a half sort of mark in terms of\n\nChannel 0: Okay.\n\nChannel 1: if you were just getting a 5% return and drawing down that thousand dollars a week. Now with that, you've always got to consider things like like super and then also your Centrelink entitlements as well. So as I said, it is just a general projection. But if things keep tracking the way they are at least for the next three years and then just getting a conservative more conservative return, then you yeah. You're looking at that thousand dollar a week drawdown really is quite achievable for that time frame as well.\n\nChannel 0: Alright. No worries.\n\nChannel 1: Yeah. And then, obviously, as you draw down a bit more on your super, at the age of 67, given that your balance might be quite high, you might not be eligible for, you know, even a part pension at that time. But as it does go down, then you can start looking at applying for the age pension to get those age pension benefits as well.\n\nChannel 0: Alright, mate. No worries. It's a little bit.\n\nChannel 1: Obviously, you've still got a little bit of work in life behind you there, so it's not right in the the forefront.\n\nChannel 0: Unfortunately, I wish I could give\n\nChannel 1: Yeah.\n\nChannel 0: it up today, but I can't.\n\nChannel 1: Yeah. So it's always something to to consider there as well. Obviously, the the main thing in the the short term there is obviously you're focused on paying down that mortgage to make sure that\n\nChannel 0: Yes.\n\nChannel 1: you're close to debt free at retirement, and that really does ease things as well. You might not even need that that thousand dollars a week at that point if you're only paying for things like rate and a little bit of travel for, you know, seeing the the kids and whatever grandkids there may be.\n\nChannel 0: Yeah. Okay. Yeah. Get rid of the house. That'd be good.\n\nSo\n\nChannel 1: Yeah. And that's the thing. You can look at things like a bit of downsizer contributions as well and things like that\n\nChannel 0: yeah.\n\nChannel 1: or whatever you sort of plan on doing as well.\n\nChannel 0: Alright. Yeah. Okay.\n\nChannel 1: As far as the the beneficiary nominations go, we're recommending because, obviously, you don't have the Netwealth and the Tau policy still are outstanding. You do have the one listed on the Australian super, and that's for your partner for 8% and the two kids for 10% each. Now we're just recommending that you keep that in line with the new ones. Those are forms that we can send\n\nChannel 0: Yep.\n\nChannel 1: out to you via email or mail. That\n\nChannel 0: Yep.\n\nChannel 1: still need\n\nChannel 0: That'll\n\nChannel 1: to be\n\nChannel 0: be\n\nChannel 1: completed.\n\nChannel 0: good.\n\nChannel 1: Would you prefer it via mail or email? Because they do have to be, like, printed inside.\n\nChannel 0: Yeah. Send them a mail, please, mate. Yeah.\n\nChannel 1: Mail. We can\n\nChannel 0: Yep.\n\nChannel 1: even get them prefilled there for just the the details of your partner and the two kids because we do have their their names.\n\nChannel 0: That'll be good. Yeah.\n\nChannel 1: And are you happy still to keep that $80.10 10 split?\n\nChannel 0: Yeah, mate. Yeah. That's fine.\n\nChannel 1: Perfect. That's all quite straightforward. And then, obviously, for the will and estate planning side of things, because you don't have one up set up, obviously, you'd like to generally do it in conjunction with your your partner and getting a joint will. So seeking a solicitor, getting\n\nChannel 0: We're in\n\nChannel 1: that\n\nChannel 0: the process of doing that now.\n\nChannel 1: okay. Perfect.\n\nChannel 0: Yeah. Yeah. We're in the process. We're we're actually gonna go on the March 13 and get the file was and sign it all and all that sort of stuff. So that's\n\nChannel 1: Perfect.\n\nChannel 0: been drawn up as we speak.\n\nChannel 1: And you're putting a power of attorney in place with\n\nChannel 0: We are.\n\nChannel 1: that\n\nChannel 0: It's gonna be\n\nChannel 1: one\n\nChannel 0: my daughter, my\n\nChannel 1: as\n\nChannel 0: oldest daughter.\n\nChannel 1: well? Yeah. Perfect. That was also part of the recommendation is that you get one of those set up as well. So that's the back half of the advice, which you're already across and getting sorted there as well.\n\nSo in terms of the fee side of things, it is still 1.65 of the balance, which works out with the a twelve month period with the growth to be around the eight eight month. But given that the cap is at 600,000, they are looking at changing the fee structure a little bit soon. But given that once you hit that mark at the moment, you won't ever be charged above the $9.09. But as I said, that is under review. So come your next annual review time, that might be a different story.\n\nI think they're changing the tiers a little bit\n\nChannel 0: Okay.\n\nChannel 1: to extend it in lower balances, but at the moment, that's the way it does sit. So can't talk to future just yet, but it may change in the future.\n\nChannel 0: Might happen here. Righto.\n\nChannel 1: Yeah. But for the least for the next sort of signing of the twelve month period, if the if you were happy within that OSA range, it won't change. So that's just still what's listed. Come that next interview where things get updated, potentially, that might change. But and then the 22% of that insurance premium that you do pay.\n\nNow that's not something additionally that you pay. It's just because we get remunerated that from the insurer from the premium you pay that we have to disclose it, if that makes sense.\n\nChannel 0: Yeah. That's it.\n\nChannel 1: Yeah. So that just comes out of the premium that you're currently paying. We obviously, yeah, just get paid that through the insurer that you pay to them as for keeping that policy in force. Now as far as the advice to you, if you are happy with everything and did sign it, OQ would do that rollover. As I said, it would go in per that original recommendation of those investments, which you can see that split in that table of what the allocations will be, and then you'll be able to see what the the estimated allocations will be.\n\nSo if you do look at that and go, I'm not too comfortable having the level of allocations you do versus what the original portfolio was, we can look at that rebalance. As I said, there will be\n\nChannel 0: Alright.\n\nChannel 1: taxes involved with the sell downs and rebalancing of that given the growth that your super has experienced.\n\nChannel 0: Right. And\n\nChannel 1: But\n\nChannel 0: no worries.\n\nChannel 1: definitely can look at it if you aren't comfortable having, like, the higher amount in gold. But if you are happy having a slightly higher allocation to the gold, which a lot of people are at the moment, if anything, they're asking for more gold, then that's fine as well. And we'll email out those beneficiary forms that will be something you have to sign and return to us. Given that you are nominating the kids and your partner, they won't be able to be the witnesses on those, but anyone else over the age of 18, as long as they're not on that as a beneficiary, can witness\n\nChannel 0: Yeah. Sure.\n\nChannel 1: that as well.\n\nChannel 0: Yep.\n\nChannel 1: And the last part was to set up the will, but you're already in the process of that, so that's happy days. But do you have any questions in regards to that at all today there, Neville?\n\nChannel 0: No. I can't. I'll probably go and have a good read of it and sign it all off and and send it away. So, yeah, now I'm happy with it.\n\nChannel 1: Not a problem. Yeah. If you have any questions, feel free to come back. As I said, you've got plenty of time to go through it. You got a month from the the February 18 there.\n\nSo, you know, even if it's around the time you you're doing the wheel sort of things, yeah, that might be a reminder that you need to either sign or give us a call if you've got any questions in regards to that.\n\nChannel 0: Alright, mate. No worries at all.\n\nChannel 1: Too easy, Neville. Well, you enjoy the rest of your time in the the city there and your time before you head back away, and we'll talk soon, I'm sure.\n\nChannel 0: I wanna get out of the city, mate. I hate it. So, yeah, thanks very much for that.\n\nChannel 1: No problem. Well, hopefully, I can get home and have a afternoon beer or something.\n\nChannel 0: Yep. That's the main thing. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Alright,\n\nChannel 1: Too\n\nChannel 0: mate.\n\nChannel 1: easy. Have a\n\nChannel 0: Thanks\n\nChannel 1: good\n\nChannel 0: very much for that.\n\nChannel 1: one.\n\nChannel 0: See you, mate.\n\nChannel 1: No problem.\n\nChannel 0: Bye.\n\nChannel 1: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Welcome to HP Financial.","start":2.48,"end":3.86,"sentiment":"neutral","sentiment_score":0.1464565470814705},{"text":"This is Jacob speaking.","start":3.9199998,"end":5.06,"sentiment":"neutral","sentiment_score":0.12710974365472794}],"sentiment":"neutral","sentiment_score":0.1367831453680992,"channel":1,"num_words":8,"start":2.48,"end":5.06},{"sentences":[{"text":"Hey.","start":5.68,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.18832483887672424},{"text":"Good day, mate.","start":5.8399997,"end":6.3999996,"sentiment":"positive","sentiment_score":0.3370453317960103},{"text":"My name is Neville Black.","start":6.3999996,"end":7.44,"sentiment":"neutral","sentiment_score":0.12447708994150161},{"text":"I just missed a phone call from Kyle.","start":7.44,"end":9.38,"sentiment":"neutral","sentiment_score":-0.07746306154876947}],"sentiment":"neutral","sentiment_score":0.07071422303424162,"channel":0,"num_words":17,"start":5.68,"end":9.38},{"sentences":[{"text":"Oh, okay, Neville.","start":9.92,"end":10.8,"sentiment":"neutral","sentiment_score":0.038535659511884056},{"text":"No worries.","start":10.8,"end":11.44,"sentiment":"neutral","sentiment_score":0.08374686539173126},{"text":"Give me one second.","start":11.44,"end":12.4,"sentiment":"neutral","sentiment_score":0.09226403385400772},{"text":"I'll just bring up your profile really quickly.","start":12.4,"end":14.474999,"sentiment":"neutral","sentiment_score":0.16034036129713058},{"text":"Did you have an appointment booked in with him?","start":14.474999,"end":16.654999,"sentiment":"neutral","sentiment_score":0.04648588990999593}],"sentiment":"neutral","sentiment_score":0.09050972093469821,"channel":1,"num_words":26,"start":9.92,"end":16.654999},{"sentences":[{"text":"Yeah.","start":16.744999,"end":17.065,"sentiment":"neutral","sentiment_score":0.04919455945491791},{"text":"I did it.","start":17.065,"end":17.465,"sentiment":"neutral","sentiment_score":0.07039687285820644},{"text":"It was 11:00 this morning.","start":17.465,"end":19.325,"sentiment":"neutral","sentiment_score":0.05910845324397087}],"sentiment":"neutral","sentiment_score":0.06176971602771017,"channel":0,"num_words":9,"start":16.744999,"end":19.325},{"sentences":[{"text":"Oh, okay.","start":19.755,"end":20.414999,"sentiment":"neutral","sentiment_score":0.10071120411157608},{"text":"No worries, Neville.","start":20.475,"end":21.695,"sentiment":"neutral","sentiment_score":0.16650187969207764},{"text":"Cool.","start":22.795,"end":23.295,"sentiment":"positive","sentiment_score":0.5048956274986267},{"text":"Awesome.","start":24.395,"end":24.875,"sentiment":"positive","sentiment_score":0.6156548261642456},{"text":"I'll just quickly run you through a security, Neville.","start":24.875,"end":27.3,"sentiment":"positive","sentiment_score":0.3588339222802056}],"sentiment":"neutral","sentiment_score":0.31568648759275675,"channel":1,"num_words":16,"start":19.755,"end":27.3},{"sentences":[{"text":"So I'll just","start":27.3,"end":28.119999,"sentiment":"neutral","sentiment_score":0.2572076767683029}],"sentiment":"neutral","sentiment_score":0.2572076767683029,"channel":1,"num_words":3,"start":27.3,"end":28.119999},{"sentences":[{"text":"Yep.","start":28.185,"end":28.685,"sentiment":"neutral","sentiment_score":0.2026807963848114}],"sentiment":"neutral","sentiment_score":0.2026807963848114,"channel":0,"num_words":1,"start":28.185,"end":28.685},{"sentences":[{"text":"get you to confirm your full name, date of birth, and current address for me, please.","start":28.5,"end":33.16,"sentiment":"neutral","sentiment_score":0.19072360917925835}],"sentiment":"neutral","sentiment_score":0.19072360917925835,"channel":1,"num_words":16,"start":28.5,"end":33.16},{"sentences":[{"text":"Yeah.","start":33.4,"end":33.72,"sentiment":"neutral","sentiment_score":0.04237165302038193},{"text":"Neville William Black.","start":33.72,"end":35.08,"sentiment":"neutral","sentiment_score":0.01910902683933576},{"text":"06/09/1967.","start":35.08,"end":36.62,"sentiment":"neutral","sentiment_score":0.01855848729610443},{"text":"35 Condor Nav in Pinjarra, Western Australia.","start":37.239998,"end":40.06,"sentiment":"neutral","sentiment_score":0.03800240345299244}],"sentiment":"neutral","sentiment_score":0.032022837083786726,"channel":0,"num_words":12,"start":33.4,"end":40.06},{"sentences":[{"text":"Awesome.","start":40.82,"end":41.3,"sentiment":"positive","sentiment_score":0.5207862257957458},{"text":"Thanks for that one, Neville.","start":41.3,"end":42.645,"sentiment":"positive","sentiment_score":0.6298357605934143},{"text":"Did you still have time to do that one now?","start":43.605,"end":45.625,"sentiment":"neutral","sentiment_score":0.24432405531406404},{"text":"Yeah.","start":45.765,"end":46.265,"sentiment":"neutral","sentiment_score":0.07837625592947006}],"sentiment":"positive","sentiment_score":0.36421069634311337,"channel":1,"num_words":17,"start":40.82,"end":46.265},{"sentences":[{"text":"Yes, mate.","start":46.934998,"end":47.335,"sentiment":"neutral","sentiment_score":0.0837114118039608},{"text":"Yeah.","start":47.335,"end":47.655,"sentiment":"neutral","sentiment_score":0.08846712112426758},{"text":"If he if he's available.","start":47.655,"end":48.695,"sentiment":"neutral","sentiment_score":0.051233747601509096},{"text":"Yeah.","start":48.695,"end":49.195,"sentiment":"neutral","sentiment_score":0.056394755840301514}],"sentiment":"neutral","sentiment_score":0.06316149317555958,"channel":0,"num_words":9,"start":46.934998,"end":49.195},{"sentences":[{"text":"Okay, 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you.","start":56.535,"end":57.195,"sentiment":"positive","sentiment_score":0.3567272424697876}],"sentiment":"neutral","sentiment_score":0.26734697073698044,"channel":0,"num_words":4,"start":55.975,"end":57.195},{"sentences":[{"text":"Alright.","start":57.125,"end":57.45,"sentiment":"neutral","sentiment_score":0.191385954618454},{"text":"Thanks.","start":57.530003,"end":58.030003,"sentiment":"neutral","sentiment_score":0.28420838713645935},{"text":"Welcome to Oakview Financial.","start":65.05,"end":67.07,"sentiment":"neutral","sentiment_score":0.19417770206928253},{"text":"At Oakview Financial, we use an Good afternoon, Neville.","start":67.53,"end":79.135,"sentiment":"neutral","sentiment_score":0.19957751697964138},{"text":"You've come through to Kyle.","start":79.135,"end":80.015,"sentiment":"neutral","sentiment_score":0.2471628189086914}],"sentiment":"neutral","sentiment_score":0.21421584486961365,"channel":1,"num_words":20,"start":57.125,"end":80.015},{"sentences":[{"text":"How are you going today?","start":80.015,"end":81.075,"sentiment":"neutral","sentiment_score":0.27137928903102876}],"sentiment":"neutral","sentiment_score":0.27137928903102876,"channel":1,"num_words":5,"start":80.015,"end":81.075},{"sentences":[{"text":"Yeah.","start":81.405,"end":81.645,"sentiment":"neutral","sentiment_score":0.09536144137382507},{"text":"Good.","start":81.645,"end":81.805,"sentiment":"neutral","sentiment_score":0.17699885368347168},{"text":"Thanks, Carl.","start":81.805,"end":82.445,"sentiment":"neutral","sentiment_score":0.17437615990638733},{"text":"Sorry I missed your call, mate.","start":82.445,"end":83.905,"sentiment":"neutral","sentiment_score":-0.09139666457970937}],"sentiment":"neutral","sentiment_score":0.007273262739181519,"channel":0,"num_words":10,"start":81.405,"end":83.905},{"sentences":[{"text":"No.","start":84.415,"end":84.575,"sentiment":"neutral","sentiment_score":-0.13899816572666168},{"text":"That that's perfectly fine.","start":84.575,"end":86.01,"sentiment":"neutral","sentiment_score":-0.09874942619353533},{"text":"Understand you're you're quite a busy man, but hard to get ahold of of last week.","start":86.810005,"end":90.67,"sentiment":"neutral","sentiment_score":-0.24009558092802763}],"sentiment":"neutral","sentiment_score":-0.20835834120710692,"channel":1,"num_words":21,"start":84.415,"end":90.67},{"sentences":[{"text":"Just doing these jobs, mate.","start":91.39,"end":92.83,"sentiment":"neutral","sentiment_score":-0.19298842847347258},{"text":"That's all trying to organize work and that's yeah.","start":92.83,"end":95.89,"sentiment":"neutral","sentiment_score":-0.1819350603553984}],"sentiment":"neutral","sentiment_score":-0.18588269182613917,"channel":0,"num_words":14,"start":91.39,"end":95.89},{"sentences":[{"text":"No.","start":97.21,"end":97.37,"sentiment":"neutral","sentiment_score":-0.190136656165123},{"text":"That's perfectly understandable, 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do.","start":108.775,"end":114.72,"sentiment":"neutral","sentiment_score":0.00018529174849390984},{"text":"So","start":114.72,"end":115.22,"sentiment":"neutral","sentiment_score":0.06137736886739731}],"sentiment":"neutral","sentiment_score":0.007640007342542371,"channel":1,"num_words":31,"start":107.895004,"end":115.22},{"sentences":[{"text":"Yeah.","start":115.560005,"end":115.96,"sentiment":"neutral","sentiment_score":0.09301011264324188}],"sentiment":"neutral","sentiment_score":0.09301011264324188,"channel":0,"num_words":1,"start":115.560005,"end":115.96},{"sentences":[{"text":"hopefully, we","start":115.6,"end":116.08,"sentiment":"neutral","sentiment_score":0.110140610486269}],"sentiment":"neutral","sentiment_score":0.110140610486269,"channel":1,"num_words":2,"start":115.6,"end":116.08},{"sentences":[{"text":"I'm","start":115.96,"end":116.200005,"sentiment":"neutral","sentiment_score":0.124131977558136}],"sentiment":"neutral","sentiment_score":0.124131977558136,"channel":0,"num_words":1,"start":115.96,"end":116.200005},{"sentences":[{"text":"can 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again.","start":116.520004,"end":118.700005,"sentiment":"neutral","sentiment_score":0.09873711773090893},{"text":"Yep.","start":118.76,"end":119.26,"sentiment":"neutral","sentiment_score":-0.007048768922686577}],"sentiment":"neutral","sentiment_score":0.08815852906554937,"channel":0,"num_words":10,"start":116.520004,"end":119.26},{"sentences":[{"text":"be gone for another week in a 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to the DocuSigns you've used previously.","start":128.885,"end":131.545,"sentiment":"neutral","sentiment_score":0.036180002953518524},{"text":"Now this","start":132.08499,"end":132.64499,"sentiment":"neutral","sentiment_score":0.015471674036234617}],"sentiment":"neutral","sentiment_score":0.08449073717126558,"channel":1,"num_words":29,"start":124.085,"end":132.64499},{"sentences":[{"text":"Oh,","start":132.545,"end":132.785,"sentiment":"neutral","sentiment_score":0.05019150674343109}],"sentiment":"neutral","sentiment_score":0.05019150674343109,"channel":0,"num_words":1,"start":132.545,"end":132.785},{"sentences":[{"text":"should","start":132.64499,"end":132.805,"sentiment":"neutral","sentiment_score":0.06117125600576401}],"sentiment":"neutral","sentiment_score":0.06117125600576401,"channel":1,"num_words":1,"start":132.64499,"end":132.805},{"sentences":[{"text":"yeah?","start":132.785,"end":133.285,"sentiment":"neutral","sentiment_score":0.04152163118124008}],"sentiment":"neutral","sentiment_score":0.04152163118124008,"channel":0,"num_words":1,"start":132.785,"end":133.285},{"sentences":[{"text":"be going to nifty67@live.com.au.","start":132.805,"end":136.83,"sentiment":"neutral","sentiment_score":0.037552752532064915},{"text":"Is that still the correct email?","start":136.83,"end":138.37001,"sentiment":"neutral","sentiment_score":0.03541331769277652}],"sentiment":"neutral","sentiment_score":0.03626909162849188,"channel":1,"num_words":10,"start":132.805,"end":138.37001},{"sentences":[{"text":"That's right, mate.","start":138.705,"end":139.425,"sentiment":"neutral","sentiment_score":0.28167059024175006},{"text":"Yeah.","start":139.425,"end":139.925,"sentiment":"positive","sentiment_score":0.5610707402229309}],"sentiment":"positive","sentiment_score":0.3515206277370453,"channel":0,"num_words":4,"start":138.705,"end":139.925},{"sentences":[{"text":"Perfect.","start":140.27,"end":140.67001,"sentiment":"positive","sentiment_score":0.6712368726730347},{"text":"Now with this one here, you'll have, like, attachments in the email, and then you'll also have a link for the signable documents.","start":140.67001,"end":146.45001,"sentiment":"neutral","sentiment_score":0.24222251448942267},{"text":"Now with that one there, you'll have the the statement advice, the appendix, the OQ services guide, and then the financial services guide, which you can access on the website as well.","start":146.83,"end":155.205,"sentiment":"neutral","sentiment_score":0.18986344733275473},{"text":"And then 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super.","start":156.065,"end":157.925,"sentiment":"neutral","sentiment_score":0.1117823913693428},{"text":"And then with that, with the signable documents, there is a third party authority, and then that's just to update the one on file for your retained fund just so we're able to get up to date information.","start":158.22499,"end":168.33,"sentiment":"neutral","sentiment_score":0.15776056953166662},{"text":"And then, also, with the statement advice, if you're happy with everything and wanting to proceed with that one.","start":168.39,"end":172.55,"sentiment":"neutral","sentiment_score":0.24579515504209618},{"text":"So that would 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piece there, Neville, I can go through it, like, a little bit more in-depth, take our our time.","start":176.355,"end":182.11499,"sentiment":"neutral","sentiment_score":0.10829520365223289},{"text":"If you do, you know, have a bit on this afternoon before you you head away for the the week and don't wanna spend it all on the phone, I can make it a bit quicker there for you so you can get back","start":182.11499,"end":190.82999,"sentiment":"neutral","sentiment_score":0.10893619534644214}],"sentiment":"neutral","sentiment_score":0.10870996298378005,"channel":1,"num_words":68,"start":176.355,"end":190.82999},{"sentences":[{"text":"Yeah, 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to see all the key points, compliance","start":199.29,"end":203.46999,"sentiment":"neutral","sentiment_score":0.2415778562426567}],"sentiment":"neutral","sentiment_score":0.24434968040269964,"channel":1,"num_words":17,"start":198.73,"end":203.46999},{"sentences":[{"text":"Yep.","start":203.41,"end":203.91,"sentiment":"neutral","sentiment_score":0.15588049590587616}],"sentiment":"neutral","sentiment_score":0.15588049590587616,"channel":0,"num_words":1,"start":203.41,"end":203.91},{"sentences":[{"text":"wise, and just make sure you've got a full understanding of it, then you can take it away, have a read of it.","start":203.60999,"end":208.155,"sentiment":"neutral","sentiment_score":0.17275584732060847},{"text":"It was finalized there on the February 18, the last time they did all the figures for it.","start":208.155,"end":211.995,"sentiment":"neutral","sentiment_score":0.13138572126626968},{"text":"So from there, it's valid to thirty days and then up to another thirty if you confirm all 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different","start":278.25,"end":280.725,"sentiment":"neutral","sentiment_score":-0.12126643636396953}],"sentiment":"neutral","sentiment_score":-0.12126643636396953,"channel":1,"num_words":7,"start":278.25,"end":280.725},{"sentences":[{"text":"Unchanged.","start":280.395,"end":280.895,"sentiment":"neutral","sentiment_score":-0.17905883491039276},{"text":"Yeah.","start":281.035,"end":281.535,"sentiment":"neutral","sentiment_score":-0.0045676929876208305}],"sentiment":"neutral","sentiment_score":-0.0918132639490068,"channel":0,"num_words":2,"start":280.395,"end":281.535},{"sentences":[{"text":"employee.","start":282.245,"end":282.48502,"sentiment":"neutral","sentiment_score":0.0055064857006073},{"text":"Yep.","start":282.48502,"end":282.725,"sentiment":"neutral","sentiment_score":0.06091229245066643},{"text":"And then with being on the casual rates, has your income, like, increased a little bit?","start":282.725,"end":286.585,"sentiment":"neutral","sentiment_score":-0.012117241625674069}],"sentiment":"neutral","sentiment_score":-0.007080949325528409,"channel":1,"num_words":18,"start":282.245,"end":286.585},{"sentences":[{"text":"I don't think so.","start":287.22998,"end":288.44998,"sentiment":"neutral","sentiment_score":-0.32138101011514664},{"text":"They they got me on $65 an hour, so I don't think it would have changed a great deal.","start":288.66998,"end":293.96997,"sentiment":"neutral","sentiment_score":-0.2584556407834354}],"sentiment":"neutral","sentiment_score":-0.26939918327590695,"channel":0,"num_words":23,"start":287.22998,"end":293.96997},{"sentences":[{"text":"No problem.","start":296.245,"end":297.30002,"sentiment":"neutral","sentiment_score":0.31528064608573914},{"text":"I'll just make a note of that.","start":297.76,"end":298.80002,"sentiment":"positive","sentiment_score":0.3515976369380951},{"text":"That shouldn't affect the advice piece as 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Neville.","start":307.44,"end":314.175,"sentiment":"neutral","sentiment_score":-0.10897823888808489},{"text":"So as far as the advice piece created for yourself by myself, Kyle, as an authorized representative along with the team there under Okeech's financial Services license.","start":314.175,"end":323.78,"sentiment":"neutral","sentiment_score":0.032727048387406046},{"text":"Now in regards to it, it's done investing just due that we can't put in your better position.","start":324.96,"end":328.56,"sentiment":"neutral","sentiment_score":-0.3055351910491784},{"text":"We don't recommend it.","start":328.56,"end":329.69998,"sentiment":"negative","sentiment_score":-0.5920329391956329}],"sentiment":"neutral","sentiment_score":-0.09754341377993114,"channel":1,"num_words":96,"start":304.80002,"end":329.69998},{"sentences":[{"text":"Now as far as what we're considering for this advice piece, it's mainly just superannuation retirement income needs to show you what that looks like based on what your goal was of that a thousand dollars per week by the age of 63 roughly.","start":329.75998,"end":341.875,"sentiment":"neutral","sentiment_score":-0.0015995638783682477}],"sentiment":"neutral","sentiment_score":-0.0015995638783682477,"channel":1,"num_words":44,"start":329.75998,"end":341.875},{"sentences":[{"text":"Yep.","start":341.75998,"end":342.25998,"sentiment":"neutral","sentiment_score":0.11623089015483856}],"sentiment":"neutral","sentiment_score":0.11623089015483856,"channel":0,"num_words":1,"start":341.75998,"end":342.25998},{"sentences":[{"text":"Just as, like, generalized figure.","start":342.57498,"end":344.195,"sentiment":"neutral","sentiment_score":0.11530486196279525},{"text":"And then the estate planning side of things, this is a recommendation.","start":344.57498,"end":347.155,"sentiment":"neutral","sentiment_score":0.138895054658254},{"text":"As far as what's we've considered, had a conversation about bit more of accountability partners at the moment because you didn't seek advice on.","start":347.29498,"end":354.17,"sentiment":"neutral","sentiment_score":-0.00030439502249161404},{"text":"That's regards to the insurance side of things, just where things are at, budgeting and saving, your debt management with paying down the property, and then investments outside of Supra with potentially your employer share program because we don't know a huge heap about that, and then salary sacrifice at the the moment you're happy with what you're doing.","start":354.17,"end":373.615,"sentiment":"neutral","sentiment_score":0.004507488093607254},{"text":"And are you still doing that with your new employer?","start":373.615,"end":375.715,"sentiment":"neutral","sentiment_score":-0.022955452278256416}],"sentiment":"neutral","sentiment_score":0.020657697817395355,"channel":1,"num_words":110,"start":342.57498,"end":375.715},{"sentences":[{"text":"Yeah.","start":376.29,"end":376.69,"sentiment":"neutral","sentiment_score":0.033794425427913666},{"text":"I'm trying to do, mate.","start":376.69,"end":377.41,"sentiment":"neutral","sentiment_score":0.021846678107976913},{"text":"I'll get back into it once I start up again.","start":377.41,"end":379.33,"sentiment":"neutral","sentiment_score":0.029349638894200326},{"text":"I'd probably haven't done it for about a month.","start":379.33,"end":381.75,"sentiment":"neutral","sentiment_score":-0.1635975796315405},{"text":"So, yeah, I'll","start":382.345,"end":383.14502,"sentiment":"neutral","sentiment_score":0.05241329098741213}],"sentiment":"neutral","sentiment_score":-0.03137907638613667,"channel":0,"num_words":28,"start":376.29,"end":383.14502},{"sentences":[{"text":"Yep.","start":382.99,"end":383.49,"sentiment":"neutral","sentiment_score":0.07446318864822388}],"sentiment":"neutral","sentiment_score":0.07446318864822388,"channel":1,"num_words":1,"start":382.99,"end":383.49},{"sentences":[{"text":"be putting a $100 back in every every price.","start":383.14502,"end":386.505,"sentiment":"neutral","sentiment_score":0.06092976778745651},{"text":"So yeah.","start":386.505,"end":387.415,"sentiment":"neutral","sentiment_score":0.09061894565820694}],"sentiment":"neutral","sentiment_score":0.06632780012759296,"channel":0,"num_words":11,"start":383.14502,"end":387.415},{"sentences":[{"text":"Not a problem at all.","start":387.87,"end":388.935,"sentiment":"neutral","sentiment_score":0.14653401374816893},{"text":"As I said, those are all things that are considered but not actually scoped into the advice piece, which is what that limited advice warning will be about.","start":389.335,"end":395.51498,"sentiment":"neutral","sentiment_score":-0.046384540386497974},{"text":"Now as far as the advice, it is quite simple.","start":395.655,"end":397.495,"sentiment":"neutral","sentiment_score":0.2264392778277397},{"text":"It is just to retain your Netwealth superannuation fund and then roll over a portion of that Australian super 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they are all correct.","start":420.655,"end":422.435,"sentiment":"neutral","sentiment_score":0.12135033868253231},{"text":"The page over will have your current situation.","start":422.655,"end":425.715,"sentiment":"neutral","sentiment_score":0.09403295069932938},{"text":"So Australian to super is around 36,000, and then the net wealth is just shy of the 500,000 there at the moment.","start":425.855,"end":432.97998,"sentiment":"neutral","sentiment_score":0.10225084153088657}],"sentiment":"neutral","sentiment_score":0.09961537653698196,"channel":1,"num_words":79,"start":408.08002,"end":432.97998},{"sentences":[{"text":"And then when we had the conversation about insurances, you just wanted to look at keeping that income protection through that Australian super just while you are still working just for 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and then the the policy out the car and a few other things there as well.","start":458.07,"end":461.69,"sentiment":"neutral","sentiment_score":0.12960193656823216},{"text":"Risk profile will stay the same as balance.","start":462.87,"end":464.97,"sentiment":"neutral","sentiment_score":0.09032975556328893},{"text":"Now leading into retirement there as well, you don't wanna take on a huge amount of risk with those fluctuations when you do wanna start drawing down on things.","start":465.51,"end":471.825,"sentiment":"neutral","sentiment_score":0.0599150403306402},{"text":"Given that you are working and earning, like, quite considerably, you could take on a little more risk.","start":472.30502,"end":476.30502,"sentiment":"neutral","sentiment_score":0.20166795659396383},{"text":"But if you're happy with your returns and now things are traveling, there's no need to to bump up that level of risk 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an","start":595.675,"end":601.96,"sentiment":"neutral","sentiment_score":0.08036658414188892}],"sentiment":"neutral","sentiment_score":0.1363828803350528,"channel":1,"num_words":75,"start":584.43,"end":601.96},{"sentences":[{"text":"Yep.","start":601.91,"end":602.41,"sentiment":"neutral","sentiment_score":-0.12238484621047974}],"sentiment":"neutral","sentiment_score":-0.12238484621047974,"channel":0,"num_words":1,"start":601.91,"end":602.41},{"sentences":[{"text":"injury.","start":601.96,"end":602.46,"sentiment":"neutral","sentiment_score":-0.09414489567279816}],"sentiment":"neutral","sentiment_score":-0.09414489567279816,"channel":1,"num_words":1,"start":601.96,"end":602.46},{"sentences":[{"text":"Alright, Ivan.","start":603.175,"end":603.995,"sentiment":"neutral","sentiment_score":0.12330488860607147}],"sentiment":"neutral","sentiment_score":0.12330488860607147,"channel":0,"num_words":2,"start":603.175,"end":603.995},{"sentences":[{"text":"As far as the investment change, you'll be able to see that on page 18.","start":606.44,"end":609.8,"sentiment":"neutral","sentiment_score":0.18613752573728562},{"text":"It just highlights what you'll be moving across there.","start":609.8,"end":613.5,"sentiment":"neutral","sentiment_score":0.29116233852174545},{"text":"So within regards to your portfolio, because it has been tracking quite well, you will be selling down the 26,000 of that Australian super, which will roll into that Netwealth account.","start":613.88,"end":625.235,"sentiment":"neutral","sentiment_score":0.2736958093460529},{"text":"Now with the investments and how they have been traveling, currently, given your portfolio, you still have that active investment with ClearBridge even though that you're in a more conservative portfolio.","start":625.45496,"end":637.05005,"sentiment":"neutral","sentiment_score":0.1650416973617769},{"text":"And then with your other assets there, they are indexed, so they do come at that lower cost.","start":637.83,"end":641.675,"sentiment":"neutral","sentiment_score":0.1595539136065377}],"sentiment":"neutral","sentiment_score":0.21043612582322496,"channel":1,"num_words":104,"start":606.44,"end":641.675},{"sentences":[{"text":"Now we did look at a rebalance for that as well, but you would be paying, like, a larger portion of CGT for selling those downs and rebalancing the portfolio.","start":641.675,"end":650.33496,"sentiment":"neutral","sentiment_score":0.0671798345943292},{"text":"So","start":650.875,"end":651.27496,"sentiment":"neutral","sentiment_score":0.08066321909427643}],"sentiment":"neutral","sentiment_score":0.06761478248142427,"channel":1,"num_words":31,"start":641.675,"end":651.27496},{"sentences":[{"text":"Right.","start":651.19,"end":651.69,"sentiment":"neutral","sentiment_score":0.10545606166124344}],"sentiment":"neutral","sentiment_score":0.10545606166124344,"channel":0,"num_words":1,"start":651.19,"end":651.69},{"sentences":[{"text":"with that, the allocation will just go in per your original recommended portfolio that you originally had, but the the percentage weightings will be askew from that slightly.","start":651.27496,"end":660.79,"sentiment":"neutral","sentiment_score":0.055879127932712436},{"text":"So with that, because of the price of gold and how much that's increased lately, it'd be sitting more closer around the 17% in gold.","start":660.79,"end":667.955,"sentiment":"neutral","sentiment_score":0.033737308159470555},{"text":"Now that is a little bit higher, but gold can be considered a growth and a defensive asset.","start":668.255,"end":672.11505,"sentiment":"neutral","sentiment_score":0.10699253136085139},{"text":"So with 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nicely.","start":684.08997,"end":687.85,"sentiment":"neutral","sentiment_score":0.23271954525262117},{"text":"There is more than seen a need for us to rebalance the portfolio currently or switch your investments with how it has been moving for the past few years.","start":687.85,"end":695.625,"sentiment":"neutral","sentiment_score":0.023967506813591923},{"text":"I think the the last financial or last twelve month period, it did around 12% for a balanced portfolio that's really quite considerable.","start":695.865,"end":702.845,"sentiment":"neutral","sentiment_score":0.1830819767454396}],"sentiment":"neutral","sentiment_score":0.07511940121919185,"channel":1,"num_words":111,"start":674.575,"end":702.845},{"sentences":[{"text":"Alright.","start":704.14,"end":704.64,"sentiment":"neutral","sentiment_score":0.23477421700954437}],"sentiment":"neutral","sentiment_score":0.23477421700954437,"channel":0,"num_words":1,"start":704.14,"end":704.64},{"sentences":[{"text":"It's well over double, like, the expected sort of return from, like, a more conservative portfolio.","start":704.185,"end":709.965,"sentiment":"positive","sentiment_score":0.35143385361880064}],"sentiment":"positive","sentiment_score":0.35143385361880064,"channel":1,"num_words":16,"start":704.185,"end":709.965},{"sentences":[{"text":"Right on.","start":710.78,"end":711.34,"sentiment":"neutral","sentiment_score":0.2655138075351715},{"text":"Okay.","start":711.34,"end":711.74,"sentiment":"positive","sentiment_score":0.4141579270362854},{"text":"Sounds good.","start":711.74,"end":712.3,"sentiment":"positive","sentiment_score":0.531259149312973},{"text":"Yeah.","start":712.3,"end":712.8,"sentiment":"neutral","sentiment_score":0.23273685574531555}],"sentiment":"positive","sentiment_score":0.373406782746315,"channel":0,"num_words":6,"start":710.78,"end":712.8},{"sentences":[{"text":"Yeah.","start":712.72,"end":713.12,"sentiment":"neutral","sentiment_score":0.18025976419448853},{"text":"So and given that when you come to 60 as well, we generally look at, like, transition to retirement strategies and being able to adjust those investments and rejig things to obviously help you out for those last few years leading up to retirement.","start":713.12,"end":725.3,"sentiment":"neutral","sentiment_score":0.24583583359013905}],"sentiment":"neutral","sentiment_score":0.24437858760356904,"channel":1,"num_words":45,"start":712.72,"end":725.3},{"sentences":[{"text":"Yep.","start":725.26495,"end":725.76495,"sentiment":"neutral","sentiment_score":0.03844454884529114}],"sentiment":"neutral","sentiment_score":0.03844454884529114,"channel":0,"num_words":1,"start":725.26495,"end":725.76495},{"sentences":[{"text":"So given the way that you, like, current super is performing, we're not looking at taking on that capital gains at the moment.","start":725.855,"end":732.25494,"sentiment":"neutral","sentiment_score":-0.17774649579887805},{"text":"We're just looking at maintaining your current portfolio and then just letting it be slightly askew from what the original recommendation was.","start":732.25494,"end":740.355,"sentiment":"neutral","sentiment_score":0.09352600303563205},{"text":"It just means you have a little less in, like, high interest cash and a little bit less in the bank hybrids, which is another defensive asset, and a little bit","start":740.80005,"end":748.16003,"sentiment":"neutral","sentiment_score":0.06691820312651896}],"sentiment":"neutral","sentiment_score":0.0005771968464710211,"channel":1,"num_words":76,"start":725.855,"end":748.16003},{"sentences":[{"text":"Right.","start":748.105,"end":748.605,"sentiment":"neutral","sentiment_score":0.0966215506196022}],"sentiment":"neutral","sentiment_score":0.0966215506196022,"channel":0,"num_words":1,"start":748.105,"end":748.605},{"sentences":[{"text":"more of a waiting towards the S and P 500 towards gold, and then the rest of nearly in line with what the original recommendation was, which so far is working out quite well given the current market.","start":748.16003,"end":760.03503,"sentiment":"neutral","sentiment_score":0.31993340583224045}],"sentiment":"neutral","sentiment_score":0.31993340583224045,"channel":1,"num_words":38,"start":748.16003,"end":760.03503},{"sentences":[{"text":"Okay.","start":760.85004,"end":761.25,"sentiment":"neutral","sentiment_score":0.2245822250843048},{"text":"Okay.","start":761.25,"end":761.65,"sentiment":"neutral","sentiment_score":0.22296065092086792},{"text":"Yeah.","start":761.65,"end":761.81,"sentiment":"positive","sentiment_score":0.37196069955825806},{"text":"It sounds good.","start":761.81,"end":762.53,"sentiment":"positive","sentiment_score":0.6079987287521362},{"text":"Yep.","start":762.53,"end":763.03,"sentiment":"neutral","sentiment_score":0.28860095143318176}],"sentiment":"positive","sentiment_score":0.4188715304647173,"channel":0,"num_words":7,"start":760.85004,"end":763.03},{"sentences":[{"text":"Yep.","start":763.61505,"end":764.11505,"sentiment":"neutral","sentiment_score":0.2859559953212738},{"text":"All that considered, you will have around 530,000 in that Netwealth account.","start":764.335,"end":768.65,"sentiment":"positive","sentiment_score":0.34133634716272354},{"text":"That will move forward for from that point once everything was signed and it was to roll over.","start":768.89,"end":773.07,"sentiment":"neutral","sentiment_score":0.3015638026926253},{"text":"But as I said, feel free to have a look at the figures there, see if you're happy with that, see if you're happy with those weightings.","start":773.29,"end":778.08997,"sentiment":"neutral","sentiment_score":0.24881376602031566},{"text":"As I said, it is quite a high amount towards gold, But given how it has been traveling, if you were to reduce it now, you may be foregoing some potential gains moving forward.","start":778.08997,"end":787.805,"sentiment":"neutral","sentiment_score":-0.026234234409297213}],"sentiment":"neutral","sentiment_score":0.1699581339388438,"channel":1,"num_words":92,"start":763.61505,"end":787.805},{"sentences":[{"text":"And then with that, there is the obviously opposite side downside risk that if it was to take a bit of a market correction and go down a little bit, there is a little bit more of a value towards that gold allocation.","start":788.025,"end":797.94,"sentiment":"neutral","sentiment_score":-0.08466024991384773},{"text":"But","start":798.64,"end":799.14,"sentiment":"neutral","sentiment_score":0.04374571889638901}],"sentiment":"neutral","sentiment_score":-0.0817419324408878,"channel":1,"num_words":44,"start":788.025,"end":799.14},{"sentences":[{"text":"Yeah.","start":799.06,"end":799.56,"sentiment":"neutral","sentiment_score":0.1194169670343399}],"sentiment":"neutral","sentiment_score":0.1194169670343399,"channel":0,"num_words":1,"start":799.06,"end":799.56},{"sentences":[{"text":"we're seeing that given that we're gonna review it in that three year period anyway time, even if it did take a little bit of a dip something like the next year, hopefully, over those next three year period, it still travels quite nicely.","start":799.84,"end":809.315,"sentiment":"neutral","sentiment_score":0.19688636843453755}],"sentiment":"neutral","sentiment_score":0.19688636843453755,"channel":1,"num_words":44,"start":799.84,"end":809.315},{"sentences":[{"text":"Yeah.","start":809.845,"end":810.345,"sentiment":"neutral","sentiment_score":0.16044409573078156},{"text":"I'm pretty sure it will, actually.","start":810.565,"end":811.925,"sentiment":"neutral","sentiment_score":0.2043260782957077},{"text":"Yeah.","start":811.925,"end":812.425,"sentiment":"neutral","sentiment_score":0.1143975779414177}],"sentiment":"neutral","sentiment_score":0.18759976793080568,"channel":0,"num_words":8,"start":809.845,"end":812.425},{"sentences":[{"text":"Yeah.","start":813.055,"end":813.455,"sentiment":"neutral","sentiment_score":0.14653697609901428},{"text":"A lot of people are wanting to buy more gold, not sell out of it too at the 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know.","start":836.455,"end":837.5751,"sentiment":"neutral","sentiment_score":0.3099975685278575},{"text":"I'll see what the I'll generate a quick report just to show you what everything's currently doing.","start":837.5751,"end":844.79504,"sentiment":"neutral","sentiment_score":0.24267002414254582},{"text":"That That'll just take a second to generate.","start":848.215,"end":850.12,"sentiment":"neutral","sentiment_score":0.1332975048571825},{"text":"And then with that, you'll be able to see your variance.","start":850.42004,"end":852.58,"sentiment":"neutral","sentiment_score":0.1444360146468336},{"text":"So the portfolio that you're currently in with that conservative portfolio, it's aimed to be around a sixty forty split.","start":852.58,"end":859.14,"sentiment":"neutral","sentiment_score":0.20649837478995323}],"sentiment":"neutral","sentiment_score":0.2059761212477761,"channel":1,"num_words":62,"start":836.455,"end":859.14},{"sentences":[{"text":"Now with the change there and given 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projection.","start":1108.16,"end":1110.1,"sentiment":"neutral","sentiment_score":0.2163480043411255},{"text":"But if things keep tracking the way they are at least for the next three years and then just getting a conservative more conservative return, then you yeah.","start":1110.3201,"end":1117.095,"sentiment":"neutral","sentiment_score":0.2762059691761221},{"text":"You're looking at that thousand dollar a week drawdown really is quite achievable for that time frame as well.","start":1117.095,"end":1122.155,"sentiment":"positive","sentiment_score":0.38530683360601725}],"sentiment":"neutral","sentiment_score":0.24803088244891935,"channel":1,"num_words":93,"start":1095.565,"end":1122.155},{"sentences":[{"text":"Alright.","start":1122.5651,"end":1123.0651,"sentiment":"neutral","sentiment_score":0.18875986337661743},{"text":"No 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be.","start":1163.01,"end":1172.3551,"sentiment":"neutral","sentiment_score":0.09603771730893995}],"sentiment":"neutral","sentiment_score":0.2384704113272684,"channel":1,"num_words":56,"start":1159.41,"end":1172.3551},{"sentences":[{"text":"Yeah.","start":1173.54,"end":1173.9401,"sentiment":"neutral","sentiment_score":0.0431058406829834},{"text":"Okay.","start":1173.9401,"end":1174.4401,"sentiment":"neutral","sentiment_score":0.03636326640844345},{"text":"Yeah.","start":1174.5,"end":1175.0,"sentiment":"neutral","sentiment_score":-0.0051699671894311905},{"text":"Get rid of the house.","start":1175.275,"end":1176.075,"sentiment":"neutral","sentiment_score":-0.11070863455533982},{"text":"That'd be 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Australian super, and that's for your partner for 8% and the two kids for 10% each.","start":1196.9,"end":1203.9049,"sentiment":"neutral","sentiment_score":0.2280613500624895},{"text":"Now we're just recommending that you keep that in line with the new ones.","start":1203.9049,"end":1206.705,"sentiment":"neutral","sentiment_score":0.24621483364275523},{"text":"Those are forms that we can send","start":1206.705,"end":1208.065,"sentiment":"neutral","sentiment_score":0.0676752280976091}],"sentiment":"neutral","sentiment_score":0.22036150761920473,"channel":1,"num_words":69,"start":1189.06,"end":1208.065},{"sentences":[{"text":"Yep.","start":1208.005,"end":1208.505,"sentiment":"neutral","sentiment_score":0.0765167698264122}],"sentiment":"neutral","sentiment_score":0.0765167698264122,"channel":0,"num_words":1,"start":1208.005,"end":1208.505},{"sentences":[{"text":"out to you via email or 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moment, that's the way it does sit.","start":1310.375,"end":1313.8351,"sentiment":"neutral","sentiment_score":-0.044833867345005274},{"text":"So can't talk to future just yet, but it may change in the future.","start":1314.055,"end":1317.435,"sentiment":"neutral","sentiment_score":-0.13642577454447746}],"sentiment":"neutral","sentiment_score":-0.08757675737142563,"channel":1,"num_words":30,"start":1310.375,"end":1317.435},{"sentences":[{"text":"Might happen here.","start":1317.3151,"end":1318.355,"sentiment":"neutral","sentiment_score":-0.024752287815014522},{"text":"Righto.","start":1318.355,"end":1318.855,"sentiment":"neutral","sentiment_score":0.07646625488996506}],"sentiment":"neutral","sentiment_score":0.0005523478612303734,"channel":0,"num_words":4,"start":1317.3151,"end":1318.855},{"sentences":[{"text":"Yeah.","start":1319.06,"end":1319.38,"sentiment":"neutral","sentiment_score":0.052320316433906555},{"text":"But for the least for the next sort of signing of the twelve month 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a net wealth of around 36,000 and retirement savings of around 500,000. They emphasize the importance of maintaining a stable portfolio for the long term and the benefits of the partial rolling over. The speaker also discusses projections for the future and retirement income calculator for the current portfolio, and recommends paying down mortgages and getting a joint will to benefit the customer. The agent emphasizes the importance of keeping a power of attorney in place for future trust and the need for a will and estate planning. The customer is advised to consider these options and may be charged higher fees if they exceed the $9.09 cap."},"intents":{"segments":[{"text":"I'll just quickly run you through a security, Neville. So I'll just Yep. get you to confirm your full name, date of birth, and current address for me, please. Yeah.","start_word":67,"end_word":96,"intents":[{"intent":"Request confirmation","confidence_score":0.0038166752},{"intent":"Schedule security","confidence_score":0.0028511377},{"intent":"Provide password","confidence_score":0.0000035068654}]},{"text":"Thanks for that one, Neville.","start_word":109,"end_word":113,"intents":[{"intent":"Express gratitude","confidence_score":0.0004805799}]},{"text":"If he if he's available. Yeah. Okay, Neville.","start_word":128,"end_word":135,"intents":[{"intent":"Confirm availability","confidence_score":0.3348868}]},{"text":"That's perfectly understandable, Neville. So with that, I do have you scheduled in to to go through that that statement of advice. Is now still a good time for you? Yes, mate.","start_word":228,"end_word":259,"intents":[{"intent":"Provide statement of advice","confidence_score":0.003146951}]},{"text":"So today, Neville, I'll be sending you through an OD sign. So it's a bit different to the DocuSigns you've used previously. Now this Oh, should yeah?","start_word":327,"end_word":353,"intents":[{"intent":"Evaluate document options","confidence_score":0.0007120548}]},{"text":"It was finalized there on the February 18, the last time they did all the figures for it. So from there, it's valid to thirty days and then up to another thirty if you confirm all your details are the same.","start_word":644,"end_word":684,"intents":[{"intent":"Finalize and confirm rescheduling","confidence_score":0.00017002487}]},{"text":"So as far as the advice piece created for yourself by myself, Kyle, as an authorized representative along with the team there under Okeech's financial Services license. Now in regards to it, it's done investing just due that we can't put in your better position. We don't recommend it.","start_word":985,"end_word":1033,"intents":[{"intent":"Recommend advice piece","confidence_score":0.0053444174}]},{"text":"But the main thing there is that to consolidate your super, retain that 10,000 from Australian super, keep your contributions going into Australian super just for those insurances for now. And then Yeah.","start_word":1618,"end_word":1650,"intents":[{"intent":"Consolidate super super","confidence_score":0.061743468},{"intent":"Keep contributions in australia super","confidence_score":0.12933524},{"intent":"Consolidate super super","confidence_score":0.024963113}]},{"text":"And then with that, reduces the cost administration wise between the two funds, getting those a little bit more consolidated and then less, like, not being spread apart. Right.","start_word":1690,"end_word":1718,"intents":[{"intent":"Consolidate cost administration","confidence_score":0.009377514}]},{"text":"And then with that, reduces the cost administration wise between the two funds, getting those a little bit more consolidated and then less, like, not being spread apart. Right. No worries.","start_word":1690,"end_word":1720,"intents":[{"intent":"Discuss extending super super super coverage","confidence_score":2.3177482e-7}]},{"text":"So the key benefits of that one is, like, your current portfolio with NetWell is performing better, but we are recommending an update to that anyway.","start_word":1721,"end_word":1746,"intents":[{"intent":"Recommend portfolio update","confidence_score":0.449153},{"intent":"Recommend portfolio update","confidence_score":0.21964157},{"intent":"Consider retirement benefits","confidence_score":0.0011429058}]},{"text":"It did work out that still having that retention still works in your best interest and come maybe a few years when you do hit 60 and can have access to your super if you're not able to work, then you could potentially look at just getting rid of your insurances altogether or maintaining a portion Oh, of them for, like, just that that house debt depending yeah. on how you go paying it down. Yeah.","start_word":1849,"end_word":1924,"intents":[{"intent":"Discuss future retirement options","confidence_score":0.00025051244}]},{"text":"So in three years' time, that's something you don't have to worry about as much if you were out of work for whatever period of time if that's due to an Yep. injury.","start_word":1971,"end_word":2003,"intents":[{"intent":"Highlight potential financial hardships","confidence_score":1.8003864e-7}]},{"text":"So within regards to your portfolio, because it has been tracking quite well, you will be selling down the 26,000 of that Australian super, which will roll into that Netwealth account.","start_word":2030,"end_word":2060,"intents":[{"intent":"Sell assets","confidence_score":0.002110909}]},{"text":"Now we did look at a rebalance for that as well, but you would be paying, like, a larger portion of CGT for selling those downs and rebalancing the portfolio. So Right.","start_word":2110,"end_word":2141,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.5289138}]},{"text":"It's well over double, like, the expected sort of return from, like, a more conservative portfolio. Right on.","start_word":2329,"end_word":2346,"intents":[{"intent":"Optimize returns","confidence_score":0.0031994632}]},{"text":"So and given that when you come to 60 as well, we generally look at, like, transition to retirement strategies and being able to adjust those investments and rejig things to obviously help you out for those last few years leading up to retirement. Yep.","start_word":2352,"end_word":2396,"intents":[{"intent":"Adjust portfolio","confidence_score":0.07211962}]},{"text":"We're just looking at maintaining your current portfolio and then just letting it be slightly askew from what the original recommendation was. It just means you have a little less in, like, high interest cash and a little bit less in the bank hybrids, which is another defensive asset, and a little bit Right.","start_word":2421,"end_word":2474,"intents":[{"intent":"Maintain portfolio","confidence_score":0.7781857},{"intent":"Obtain recommendations","confidence_score":0.0032124468}]},{"text":"we're seeing that given that we're gonna review it in that three year period anyway time, even if it did take a little bit of a dip something like the next year, hopefully, over those next three year period, it still travels quite nicely. Yeah.","start_word":2656,"end_word":2700,"intents":[{"intent":"Review recommendations","confidence_score":0.0018218033}]},{"text":"A lot of people are wanting to buy more gold, not sell out of it too at the moment.","start_word":2709,"end_word":2727,"intents":[{"intent":"Buy gold","confidence_score":0.009004886}]},{"text":"Just with the way the markets are, people go back to a little bit of that harder currency. It just seems there's, like, a little bit more solid in, like, what it's doing and its returns and how it is tracking with its value versus, like, those AI companies, which are a little bit all over the shop.","start_word":2737,"end_word":2794,"intents":[{"intent":"Track returns","confidence_score":0.51034325}]},{"text":"I'll see what the I'll generate a quick report just to show you what everything's currently doing.","start_word":2804,"end_word":2820,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.27194983}]},{"text":"And then that's just something that you have to be mindful of moving forward and, like, just not panicking in those dips as well and trying to Yeah.","start_word":3156,"end_word":3183,"intents":[{"intent":"Reassure investors","confidence_score":0.0015257053}]},{"text":"But in saying that as well, there is a slight retirement income calculator that was just thrown in there to show you what that look might look like.","start_word":3529,"end_word":3556,"intents":[{"intent":"Calculate retirement income","confidence_score":0.19844253}]},{"text":"Yeah. Get rid of the house. That'd be good. So Yeah.","start_word":3980,"end_word":3990,"intents":[{"intent":"End program","confidence_score":1.1226198e-7}]},{"text":"As far as the the beneficiary nominations go, we're recommending because, obviously, you don't have the Netwealth and the Tau policy still are outstanding. You do have the one listed on the Australian super, and that's for your partner for 8% and the two kids for 10% each. Now we're just recommending that you keep that in line with the new ones.","start_word":4026,"end_word":4087,"intents":[{"intent":"Recommend keeping policies","confidence_score":0.020860555}]},{"text":"Would you prefer it via mail or email? Because they do have to be, like, printed inside. Yeah.","start_word":4113,"end_word":4130,"intents":[{"intent":"Recommend using email","confidence_score":0.0006100973}]},{"text":"That's all quite straightforward. And then, obviously, for the will and estate planning side of things, because you don't have one up set up, obviously, you'd like to generally do it in conjunction with your your partner and getting a joint will. So seeking a solicitor, getting We're in that the process of doing that now. okay.","start_word":4187,"end_word":4243,"intents":[{"intent":"Compliment co-planning","confidence_score":0.00019106052}]},{"text":"And you're putting a power of attorney in place with We are.","start_word":4284,"end_word":4295,"intents":[{"intent":"Set up power of attorney","confidence_score":0.20341404}]},{"text":"So in terms of the fee side of things, it is still 1.65 of the balance, which works out with the a twelve month period with the growth to be around the eight eight month. But given that the cap is at 600,000, they are looking at changing the fee structure a little bit soon.","start_word":4346,"end_word":4400,"intents":[{"intent":"Understand fee structure changes","confidence_score":0.0006744936}]},{"text":"I think they're changing the tiers a little bit Okay. to extend it in lower balances, but at the moment, that's the way it does sit. So can't talk to future just yet, but it may change in the future. Might happen here.","start_word":4441,"end_word":4483,"intents":[{"intent":"Discuss potential changes","confidence_score":0.0004069159}]},{"text":"to extend it in lower balances, but at the moment, that's the way it does sit. So can't talk to future just yet, but it may change in the future. Might happen here.","start_word":4451,"end_word":4483,"intents":[{"intent":"Expedite insurance sign time","confidence_score":0.0000055911796}]},{"text":"But and then the 22% of that insurance premium that you do pay. Now that's not something additionally that you pay. It's just because we get remunerated that from the insurer from the premium you pay that we have to disclose it, if that makes sense. Yeah.","start_word":4532,"end_word":4578,"intents":[{"intent":"Address insurance premium discrepancy","confidence_score":0.0005927647}]},{"text":"Now that's not something additionally that you pay. It's just because we get remunerated that from the insurer from the premium you pay that we have to disclose it, if that makes sense. Yeah.","start_word":4545,"end_word":4578,"intents":[{"intent":"Disclose payment from insurer","confidence_score":0.0101545835}]},{"text":"No. I can't. I'll probably go and have a good read of it and sign it all off and and send it away. So, yeah, now I'm happy with it. Not a problem. Yeah.","start_word":4896,"end_word":4929,"intents":[{"intent":"Confirm understanding","confidence_score":0.004710405}]}]},"sentiments":{"segments":[{"text":"Welcome to HP Financial. This is Jacob speaking. Hey. Good day, mate. My name is Neville Black. I just missed a phone call from Kyle. Oh, okay, Neville. No worries. Give me one second. I'll just bring up your profile really quickly. Did you have an appointment booked in with him? Yeah. I did it. It was 11:00 this morning. Oh, okay. No worries, Neville.","start_word":0,"end_word":64,"sentiment":"neutral","sentiment_score":0.09603530168533324},{"text":"Cool. Awesome. I'll just quickly run you through a security, Neville.","start_word":65,"end_word":75,"sentiment":"positive","sentiment_score":0.39495036005973816},{"text":"So I'll just Yep. get you to confirm your full name, date of birth, and current address for me, please. Yeah. Neville William Black. 06/09/1967. 35 Condor Nav in Pinjarra, Western Australia.","start_word":76,"end_word":107,"sentiment":"neutral","sentiment_score":0.12218543887138368},{"text":"Awesome. Thanks for that one, Neville.","start_word":108,"end_word":113,"sentiment":"positive","sentiment_score":0.5972614884376526},{"text":"Did you still have time to do that one now? Yeah. Yes, mate. Yeah. If he if he's available. Yeah. Okay, Neville. No worries. I'll pop you on a quick hold, and I'll just see whether he's available now. Alright, mate.","start_word":114,"end_word":154,"sentiment":"neutral","sentiment_score":0.11206841468811037},{"text":"Thank you.","start_word":155,"end_word":156,"sentiment":"positive","sentiment_score":0.351571261882782},{"text":"Alright. Thanks. Welcome to Oakview Financial. At Oakview Financial, we use an Good afternoon, Neville. You've come through to Kyle. How are you going today? Yeah. Good. Thanks, Carl. Sorry I missed your call, mate. No. That that's perfectly fine. Understand you're you're quite a busy man, but hard to get ahold of of last week. Just doing these jobs, mate. That's all trying to organize work and that's yeah. No. That's perfectly understandable, Neville. So with that, I do have you scheduled in to to go through that that statement of advice. Is now still a good time for you? Yes, mate. It is here. Right. Yeah. I know with you with your line of work there as well, you're out for for quite some time with those swings in the days that you do. So Yeah. hopefully, we I'm can get going this out Thursday, so I didn't wanna miss you again. Yep. be gone for another week in a bit. Yeah. Exactly. No. That that's perfectly fine. So today, Neville, I'll be sending you through an OD sign. So it's a bit different to the DocuSigns you've used previously. Now this Oh, should yeah? be going to nifty67@live.com.au. Is that still the correct email? That's right, mate.","start_word":157,"end_word":366,"sentiment":"neutral","sentiment_score":0.02349474873127682},{"text":"Yeah. Perfect.","start_word":367,"end_word":368,"sentiment":"positive","sentiment_score":0.6161538362503052},{"text":"Now with this one here, you'll have, like, attachments in the email, and then you'll also have a link for the signable documents. Now with that one there, you'll have the the statement advice, the appendix, the OQ services guide, and then the financial services guide, which you can access on the website as well. And then there's Hi, a Karen. PDF to your current super. And then with that, with the signable documents, there is a third party authority, and then that's just to update the one on file for your retained fund just so we're able to get up to date information. And then, also, with the statement advice, if you're happy with everything and wanting to proceed with that one. So that would should Yep. be through to there shortly. Yep. Now in terms of the advice piece there, Neville, I can go through it, like, a little bit more in-depth, take our our time. If you do, you know, have a bit on this afternoon before you you head away for the the week and don't wanna spend it all on the phone, I can make it a bit quicker there for you so you can get back Yeah, mate. Yeah. to I'm just in the city at the moment, so I your had to come into town this morning, so I had to get afternoon. something. But yeah. Not a problem. I'll make it, like, quite brief, like, to see all the key points, compliance Yep. wise, and just make sure you've got a full understanding of it, then you can take it away, have a read of it. It was finalized there on the February 18, the last time they did all the figures for it. So from there, it's valid to thirty days and then up to another thirty if you confirm all your details are the same. But as far as your details, and, Neville, since it has been a a little bit since we last spoke there, as far as, like, your occupation or your sort of assets and liabilities, that's all largely unchanged? Yeah. Just the occupations change. That's all. So just different company that I'm working for. So yeah. Still doing the the drilling? Yes, mate. Yeah. That's right. Yep. And it was FMG. What company are you with now? It's for a recruitment agency. It's called Scott and Furnacy, and it's a mining mob called Maca, m a c a. Yep. And are you, like, full time with them? Are you, like, a contractor or something? Just casual, mate. Just casual at the moment.","start_word":369,"end_word":804,"sentiment":"neutral","sentiment_score":0.11503057062215762},{"text":"So Cool.","start_word":805,"end_word":806,"sentiment":"positive","sentiment_score":0.5585734844207764},{"text":"Yep. And then are you still doing, like, around a hundred and sixty hours across, like, the two week swing that you're doing, or has the swing changed a little bit as well? No. It's still twelve hour days, so there's certainly a bit rough when you that amount. So very much unchanged, just a different Unchanged. Yeah. employee. Yep. And then with being on the casual rates, has your income, like, increased a little bit? I don't think so. They they got me on $65 an hour, so I don't think it would have changed a great deal. No problem.","start_word":807,"end_word":907,"sentiment":"neutral","sentiment_score":-0.09437404572963716},{"text":"I'll just make a note of that.","start_word":908,"end_word":914,"sentiment":"positive","sentiment_score":0.34762901067733765},{"text":"That shouldn't affect the advice piece as well.","start_word":915,"end_word":922,"sentiment":"neutral","sentiment_score":0.30759426951408386},{"text":"It ended up being quite simple in terms of, like, what we are recommending.","start_word":923,"end_word":936,"sentiment":"positive","sentiment_score":0.5499876737594604},{"text":"Okay. You don't you don't even have to open up because you are in the city. It's probably a little bit hard to to view it on your phone while we're trying to have a chat anyway, but I'll run through the key points there for you, Neville. So as far as the advice piece created for yourself by myself, Kyle, as an authorized representative along with the team there under Okeech's financial Services license. Now in regards to it, it's done investing just due that we can't put in your better position.","start_word":937,"end_word":1029,"sentiment":"neutral","sentiment_score":-0.06721664364299466},{"text":"We don't recommend it.","start_word":1030,"end_word":1033,"sentiment":"negative","sentiment_score":-0.5991295576095581},{"text":"Now as far as what we're considering for this advice piece, it's mainly just superannuation retirement income needs to show you what that looks like based on what your goal was of that a thousand dollars per week by the age of 63 roughly. Yep. Just as, like, generalized figure. And then the estate planning side of things, this is a recommendation. As far as what's we've considered, had a conversation about bit more of accountability partners at the moment because you didn't seek advice on. That's regards to the insurance side of things, just where things are at, budgeting and saving, your debt management with paying down the property, and then investments outside of Supra with potentially your employer share program because we don't know a huge heap about that, and then salary sacrifice at the the moment you're happy with what you're doing. And are you still doing that with your new employer? Yeah. I'm trying to do, mate. I'll get back into it once I start up again. I'd probably haven't done it for about a month. So, yeah, I'll Yep. be putting a $100 back in every every price. So yeah. Not a problem at all. As I said, those are all things that are considered but not actually scoped into the advice piece, which is what that limited advice warning will be about. Now as far as the advice, it is quite simple. It is just to retain your Netwealth superannuation fund and then roll over a portion of that Australian super balance into the NetWell portfolio just to consolidate things a little bit more, Yep. establish your beneficiary nominations, and then go to a a lawyer to potentially set up a will or power of attorney. Now on page eight, you'll see your details, and then page nine as well will have your assets and liabilities. So just make sure they are all correct. The page over will have your current situation. So Australian to super is around 36,000, and then the net wealth is just shy of the 500,000 there at the moment. And then when we had the conversation about insurances, you just wanted to look at keeping that income protection through that Australian super just while you are still working just for that Yeah. peace My of mind. Yeah. yeah.","start_word":1034,"end_word":1422,"sentiment":"neutral","sentiment_score":0.06273366068429996},{"text":"Yep.","start_word":1423,"end_word":1423,"sentiment":"positive","sentiment_score":0.3449001908302307},{"text":"You still don't pay a huge amount for that one, and it is mainly for that income protection side of things. And then you also have the towel insurances there as well, which covers for a bit over the the mortgage value, which is the main thing that you want wanted to cover for. And Exactly. then, Yeah. yeah, and then the the policy out the car and a few other things there as well. Risk profile will stay the same as balance. Now leading into retirement there as well, you don't wanna take on a huge amount of risk with those fluctuations when you do wanna start drawing down on things. Given that you are working and earning, like, quite considerably, you could take on a little more risk. But if you're happy with your returns and now things are traveling, there's no need to to bump up that level of risk either. Alright then. Yeah. No worries at all. Yep. But as I said, there's just, like, a little retirement calculator to show you how things might look as a drawdown, but they ought to be taken with a grain of salt. But the main thing there is that to consolidate your super, retain that 10,000 from Australian super, keep your contributions going into Australian super just for those insurances for now. And then Yeah. That's right. with Yeah. the yeah.","start_word":1424,"end_word":1656,"sentiment":"neutral","sentiment_score":0.1849096715450287},{"text":"With that, it'll just make sure that your balance is nice and consolidated, and it's in the fund that is performing better currently and getting those higher returns there at the moment. And then with that, reduces the cost administration wise between the two funds, getting those a little bit more consolidated and then less, like, not being spread apart.","start_word":1657,"end_word":1716,"sentiment":"positive","sentiment_score":0.3612799843152364},{"text":"Right. No worries.","start_word":1717,"end_word":1719,"sentiment":"neutral","sentiment_score":0.265712708234787},{"text":"Yeah. So the key benefits of that one is, like, your current portfolio with NetWell is performing better, but we are recommending an update to that anyway. Now with the the partial rolling over there as well, you will still be able to maintain that cover. And then with that, your exposure to growth assets, given that you did change it within Australian Super two balance, it will reduce the amount of high growth assets that you previously held in it, which were unchanged at the at the moment. So it'll put you more in line with your risk profile there as well.","start_word":1720,"end_word":1822,"sentiment":"positive","sentiment_score":0.42348307371139526},{"text":"Alright. Yep. We did consider the alternative of putting everything in Australian super, see how that works out versus having the net wealth in the split. It did work out that still having that retention still works in your best interest and come maybe a few years when you do hit 60 and can have access to your super if you're not able to work, then you could potentially look at just getting rid of your insurances altogether or maintaining a portion Oh, of them for, like, just that that house debt depending yeah. on how you go paying it down. Yeah. Because Righto. worst case scenario, like, it's not fantastic that you'd have to rely on your superannuation and, like, government assistant programs. But if you're not working at the age of 60, you can have access to your super because you've met a condition of release. So in three years' time, that's something you don't have to worry about as much if you were out of work for whatever period of time if that's due to an Yep. injury. Alright, Ivan. As far as the investment change, you'll be able to see that on page 18. It just highlights what you'll be moving across there. So within regards to your portfolio, because it has been tracking quite well, you will be selling down the 26,000 of that Australian super, which will roll into that Netwealth account. Now with the investments and how they have been traveling, currently, given your portfolio, you still have that active investment with ClearBridge even though that you're in a more conservative portfolio. And then with your other assets there, they are indexed, so they do come at that lower cost. Now we did look at a rebalance for that as well, but you would be paying, like, a larger portion of CGT for selling those downs and rebalancing the portfolio. So Right. with that, the allocation will just go in per your original recommended portfolio that you originally had, but the the percentage weightings will be askew from that slightly. So with that, because of the price of gold and how much that's increased lately, it'd be sitting more closer around the 17% in gold. Now that is a little bit higher, but gold can be considered a growth and a defensive asset. So with that, Okay. you will have a higher allocation to that one with how it's been traveling. If we were to sell that back to the 10% weighting your original portfolio was, there's a quite a bit of a tax you'd have to pay towards that. And then given with the way how gold is traveling, it's still ticking along quite nicely. There is more than seen a need for us to rebalance the portfolio currently or switch your investments with how it has been moving for the past few years. I think the the last financial or last twelve month period, it did around 12% for a balanced portfolio that's really quite considerable. Alright.","start_word":1823,"end_word":2328,"sentiment":"neutral","sentiment_score":0.1342022196930859},{"text":"It's well over double, like, the expected sort of return from, like, a more conservative portfolio.","start_word":2329,"end_word":2344,"sentiment":"positive","sentiment_score":0.33859461545944214},{"text":"Right on.","start_word":2345,"end_word":2346,"sentiment":"neutral","sentiment_score":0.26636797189712524},{"text":"Okay. Sounds good.","start_word":2347,"end_word":2349,"sentiment":"positive","sentiment_score":0.4782607257366181},{"text":"Yeah. Yeah. So and given that when you come to 60 as well, we generally look at, like, transition to retirement strategies and being able to adjust those investments and rejig things to obviously help you out for those last few years leading up to retirement. Yep. So given the way that you, like, current super is performing, we're not looking at taking on that capital gains at the moment. We're just looking at maintaining your current portfolio and then just letting it be slightly askew from what the original recommendation was. It just means you have a little less in, like, high interest cash and a little bit less in the bank hybrids, which is another defensive asset, and a little bit Right. more of a waiting towards the S and P 500 towards gold, and then the rest of nearly in line with what the original recommendation was, which so far is working out quite well given the current market. Okay. Okay.","start_word":2350,"end_word":2513,"sentiment":"neutral","sentiment_score":0.14060004509803725},{"text":"Yeah. It sounds good.","start_word":2514,"end_word":2517,"sentiment":"positive","sentiment_score":0.5264393091201782},{"text":"Yep. Yep.","start_word":2518,"end_word":2519,"sentiment":"neutral","sentiment_score":0.2872784733772278},{"text":"All that considered, you will have around 530,000 in that Netwealth account.","start_word":2520,"end_word":2531,"sentiment":"positive","sentiment_score":0.3358743488788605},{"text":"That will move forward for from that point once everything was signed and it was to roll over. But as I said, feel free to have a look at the figures there, see if you're happy with that, see if you're happy with those weightings. As I said, it is quite a high amount towards gold, But given how it has been traveling, if you were to reduce it now, you may be foregoing some potential gains moving forward. And then with that, there is the obviously opposite side downside risk that if it was to take a bit of a market correction and go down a little bit, there is a little bit more of a value towards that gold allocation. But Yeah. we're seeing that given that we're gonna review it in that three year period anyway time, even if it did take a little bit of a dip something like the next year, hopefully, over those next three year period, it still travels quite nicely. Yeah. I'm pretty sure it will, actually. Yeah. Yeah. A lot of people are wanting to buy more gold, not sell out of it too at the moment. So Oh, that's a good It thing. is. Yeah. Just with the way the markets are, people go back to a little bit of that harder currency. It just seems there's, like, a little bit more solid in, like, what it's doing and its returns and how it is tracking with its value versus, like, those AI companies, which are a little bit all over the shop. Yeah. Right, Evan. I can even let you know. I'll see what the I'll generate a quick report just to show you what everything's currently doing. That That'll just take a second to generate. And then with that, you'll be able to see your variance. So the portfolio that you're currently in with that conservative portfolio, it's aimed to be around a sixty forty split. Now with the change there and given that your Australian super will have a little less allocation to assets, it'll be sitting around 57% or 58 if you round up towards growth assets and about 42 towards defensive. Now within that, they have considered gold at the moment to be or fully a growth asset just the way it's been, like, moving at the last sort of few years. Now with that, gold can be considered defensive asset as well. So you could look at a bit more of a fifty fifty split depending on how you chop it. But with that, if anything, it makes your portfolio a tad more defensive than what it currently is, and the returns that it is getting anyway isn't quite an issue. If it slows down in the next year or two, we might review it. But given the way it's been tracking the past few years, as I said, there seems no reason to take on any tax at the moment to update anything with how it has been Righto. going. No And worries. and with that, obviously, we review it every year just to see how it is tracking. But a twelve twelve month period from today's date, your return's sitting around 14.26% with that one. And then the gold in that one is, like, it makes up 60% return for that that twelve month period. So if you were to sell out of it and gold continues to keep going, you might be foregoing those potential gains.","start_word":2532,"end_word":3116,"sentiment":"neutral","sentiment_score":0.11245654495353372},{"text":"Now with it being that it's tracked so high for the past few years, you do run the risk that there might be a slight correction, and it might go, you know, down a little bit one year.","start_word":3117,"end_word":3154,"sentiment":"negative","sentiment_score":-0.45881080627441406},{"text":"And then that's just something that you have to be mindful of moving forward and, like, just not panicking in those dips as well and trying to Yeah. sell Alright out. then. Yeah. No worries. Okay. Now with that, you will see on page 20 the projection on what that sort of looks like and where things will largely be at with that rollover to to Netwealth.","start_word":3155,"end_word":3221,"sentiment":"neutral","sentiment_score":0.01700701378285885},{"text":"Now it does work out that with the investment cost given that you are consolidating a little bit more towards your index investments of the Netwealth account, you will be saving a little bit on investment cost.","start_word":3222,"end_word":3258,"sentiment":"positive","sentiment_score":0.3963696360588074},{"text":"The adviser fee given that the way things are performing, it's likely that that will go up just because your balance has continued to grow at the rate it is. And then with the percentage returns, that hasn't changed too much given that we're not updating the portfolio. We're just moving it over to Netwealth. But it does bump it up there slightly as well given that the the Right. majority of balance is already in NetWell. So that makes up for how much returns you're currently getting, if that makes sense. Yep. It does.","start_word":3259,"end_word":3353,"sentiment":"neutral","sentiment_score":0.20845864713191983},{"text":"Yeah. Perfect.","start_word":3354,"end_word":3355,"sentiment":"positive","sentiment_score":0.5895006656646729},{"text":"You'll still have your insurance premiums coming out, which are creeping up there a little bit.","start_word":3356,"end_word":3371,"sentiment":"neutral","sentiment_score":0.32323241233825684},{"text":"But given that your balance can more than afford to to pay for that given the return it is currently getting, as a dollar figure of the turn for the past twelve months, it's sitting around 62,000 in, like, return value that it did get, which as I said, for the conservative portfolio, and it's really quite high, and that's largely due to the the growth of gold in that time period.","start_word":3372,"end_word":3443,"sentiment":"positive","sentiment_score":0.4022152125835418},{"text":"Right. Okay. Now with that, it does show the projections based on those, like, five year rolling average or the three year rolling average. So and what that might look like in five to six years just as a return value. But that's obviously to be taken with a grain of salt given the way the markets have been. They might not repeat that three year on like, three year. So I thought I'd always be mindful that past projections aren't indicative of future. But in saying that as well, there is a slight retirement income calculator that was just thrown in there to show you what that look might look like. Now at the age of 63, if you were to start drawing down a thousand dollars a week with the assumption that you were getting a conservative 5% return after the age of 60. So for three years, it's based on the rolling average of that three year period, which is at 11% currently, which as I said is quite high. But then Yep. after that, it's based on a 5% return of your your balance at that time for a projection out. And it works out that based on that, if you were start drawing down a thousand dollars a week, it would last to sort of around the the 91 and 91 and a half sort of mark in terms of Okay. if you were just getting a 5% return and drawing down that thousand dollars a week. Now with that, you've always got to consider things like like super and then also your Centrelink entitlements as well. So as I said, it is just a general projection. But if things keep tracking the way they are at least for the next three years and then just getting a conservative more conservative return, then you yeah.","start_word":3444,"end_word":3753,"sentiment":"neutral","sentiment_score":0.11460400699607788},{"text":"You're looking at that thousand dollar a week drawdown really is quite achievable for that time frame as well.","start_word":3754,"end_word":3772,"sentiment":"positive","sentiment_score":0.38091540336608887},{"text":"Alright. No worries. Yeah. And then, obviously, as you draw down a bit more on your super, at the age of 67, given that your balance might be quite high, you might not be eligible for, you know, even a part pension at that time. But as it does go down, then you can start looking at applying for the age pension to get those age pension benefits as well. Alright, mate. No worries. It's a little bit. Obviously, you've still got a little bit of work in life behind you there, so it's not right in the the forefront.","start_word":3773,"end_word":3872,"sentiment":"neutral","sentiment_score":0.03139553591609001},{"text":"Unfortunately, I wish I could give Yeah. it up today, but I can't.","start_word":3873,"end_word":3885,"sentiment":"negative","sentiment_score":-0.35854384303092957},{"text":"Yeah. So it's always something to to consider there as well. Obviously, the the main thing in the the short term there is obviously you're focused on paying down that mortgage to make sure that Yes.","start_word":3886,"end_word":3921,"sentiment":"neutral","sentiment_score":0.10137503025018509},{"text":"you're close to debt free at retirement, and that really does ease things as well.","start_word":3922,"end_word":3936,"sentiment":"positive","sentiment_score":0.6128115653991699},{"text":"You might not even need that that thousand dollars a week at that point if you're only paying for things like rate and a little bit of travel for, you know, seeing the the kids and whatever grandkids there may be. Yeah. Okay. Yeah. Get rid of the house. That'd be good. So Yeah. And that's the thing. You can look at things like a bit of downsizer contributions as well and things like that yeah. or whatever you sort of plan on doing as well. Alright. Yeah. Okay. As far as the the beneficiary nominations go, we're recommending because, obviously, you don't have the Netwealth and the Tau policy still are outstanding. You do have the one listed on the Australian super, and that's for your partner for 8% and the two kids for 10% each. Now we're just recommending that you keep that in line with the new ones. Those are forms that we can send Yep. out to you via email or mail. That Yep. still need That'll to be be completed. good. Would you prefer it via mail or email? Because they do have to be, like, printed inside. Yeah. Send them a mail, please, mate. Yeah. Mail. We can Yep. even get them prefilled there for just the the details of your partner and the two kids because we do have their their names.","start_word":3937,"end_word":4165,"sentiment":"neutral","sentiment_score":0.14009612798690796},{"text":"That'll be good.","start_word":4166,"end_word":4168,"sentiment":"positive","sentiment_score":0.361149787902832},{"text":"Yeah. And are you happy still to keep that $80.10 10 split? Yeah, mate. Yeah.","start_word":4169,"end_word":4183,"sentiment":"neutral","sentiment_score":0.17080159485340118},{"text":"That's fine. Perfect. That's all quite straightforward.","start_word":4184,"end_word":4190,"sentiment":"positive","sentiment_score":0.48447364568710327},{"text":"And then, obviously, for the will and estate planning side of things, because you don't have one up set up, obviously, you'd like to generally do it in conjunction with your your partner and getting a joint will. So seeking a solicitor, getting We're in that the process of doing that now. okay. Perfect. Yeah. Yeah. We're in the process. We're we're actually gonna go on the March 13 and get the file was and sign it all and all that sort of stuff.","start_word":4191,"end_word":4274,"sentiment":"neutral","sentiment_score":0.16567391157150269},{"text":"So that's Perfect. been drawn up as we speak.","start_word":4275,"end_word":4283,"sentiment":"positive","sentiment_score":0.5766727328300476},{"text":"And you're putting a power of attorney in place with We are. that It's gonna be one my daughter, my as oldest daughter. well?","start_word":4284,"end_word":4307,"sentiment":"neutral","sentiment_score":0.17368625104427338},{"text":"Yeah. Perfect. That was also part of the recommendation is that you get one of those set up as well.","start_word":4308,"end_word":4327,"sentiment":"positive","sentiment_score":0.3797470927238464},{"text":"So that's the back half of the advice, which you're already across and getting sorted there as well. So in terms of the fee side of things, it is still 1.65 of the balance, which works out with the a twelve month period with the growth to be around the eight eight month. But given that the cap is at 600,000, they are looking at changing the fee structure a little bit soon. But given that once you hit that mark at the moment, you won't ever be charged above the $9.09. But as I said, that is under review. So come your next annual review time, that might be a different story. I think they're changing the tiers a little bit Okay. to extend it in lower balances, but at the moment, that's the way it does sit. So can't talk to future just yet, but it may change in the future. Might happen here. Righto. Yeah. But for the least for the next sort of signing of the twelve month period, if the if you were happy within that OSA range, it won't change. So that's just still what's listed. Come that next interview where things get updated, potentially, that might change. But and then the 22% of that insurance premium that you do pay. Now that's not something additionally that you pay. It's just because we get remunerated that from the insurer from the premium you pay that we have to disclose it, if that makes sense. Yeah. That's it. Yeah. So that just comes out of the premium that you're currently paying. We obviously, yeah, just get paid that through the insurer that you pay to them as for keeping that policy in force. Now as far as the advice to you, if you are happy with everything and did sign it, OQ would do that rollover. As I said, it would go in per that original recommendation of those investments, which you can see that split in that table of what the allocations will be, and then you'll be able to see what the the estimated allocations will be. So if you do look at that and go, I'm not too comfortable having the level of allocations you do versus what the original portfolio was, we can look at that rebalance. As I said, there will be Alright. taxes involved with the sell downs and rebalancing of that given the growth that your super has experienced. Right. And But no worries. definitely can look at it if you aren't comfortable having, like, the higher amount in gold. But if you are happy having a slightly higher allocation to the gold, which a lot of people are at the moment, if anything, they're asking for more gold, then that's fine as well. And we'll email out those beneficiary forms that will be something you have to sign and return to us. Given that you are nominating the kids and your partner, they won't be able to be the witnesses on those, but anyone else over the age of 18, as long as they're not on that as a beneficiary, can witness Yeah. Sure. that as well.","start_word":4328,"end_word":4857,"sentiment":"neutral","sentiment_score":0.05176035348536833},{"text":"Yep. And the last part was to set up the will, but you're already in the process of that, so that's happy days.","start_word":4858,"end_word":4880,"sentiment":"positive","sentiment_score":0.43180131912231445},{"text":"But do you have any questions in regards to that at all today there, Neville? No. I can't. I'll probably go and have a good read of it and sign it all off and and send it away.","start_word":4881,"end_word":4918,"sentiment":"neutral","sentiment_score":-0.02219574525952339},{"text":"So, yeah, now I'm happy with it. Not a problem.","start_word":4919,"end_word":4928,"sentiment":"positive","sentiment_score":0.5431076288223267},{"text":"Yeah. If you have any questions, feel free to come back. As I said, you've got plenty of time to go through it. You got a month from the the February 18 there. So, you know, even if it's around the time you you're doing the wheel sort of things, yeah, that might be a reminder that you need to either sign or give us a call if you've got any questions in regards to that. Alright, mate. No worries at all.","start_word":4929,"end_word":5010,"sentiment":"neutral","sentiment_score":0.12658917994760885},{"text":"Too easy, Neville. Well, you enjoy the rest of your time in the the city there and your time before you head back away, and we'll talk soon, I'm sure.","start_word":5011,"end_word":5040,"sentiment":"positive","sentiment_score":0.4997877478599548},{"text":"I wanna get out of the city, mate. I hate it.","start_word":5041,"end_word":5051,"sentiment":"neutral","sentiment_score":0.1054784655570984},{"text":"So, yeah, thanks very much for that. No problem.","start_word":5052,"end_word":5060,"sentiment":"positive","sentiment_score":0.3800650537014008},{"text":"Well, hopefully, I can get home and have a afternoon beer or something. Yep. That's the main thing. Yeah. Yeah. Alright, Too mate.","start_word":5061,"end_word":5083,"sentiment":"neutral","sentiment_score":0.25032931566238403},{"text":"easy. Have a Thanks good very much for that. one. See you, mate.","start_word":5084,"end_word":5096,"sentiment":"positive","sentiment_score":0.5072256326675415},{"text":"No problem. Bye.","start_word":5097,"end_word":5099,"sentiment":"neutral","sentiment_score":0.2759818732738495},{"text":"Thanks.","start_word":5100,"end_word":5100,"sentiment":"positive","sentiment_score":0.4025329053401947},{"text":"Bye.","start_word":5101,"end_word":5101,"sentiment":"neutral","sentiment_score":0.2079253196716309}],"average":{"sentiment":"neutral","sentiment_score":0.12513388697677033}}}}