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Uh-huh. No. That's okay. That's okay. I can try to not take up too much of your time. If you find that you do need to stop for any reason, just let me know, but we can try to jump through it as quickly as possible for you if that's easier. Oh, no. That no. You're absolutely fine. I completely understand. Again, I'm actually working from home today because up here on the Northern east of our border slash Queensland Gold Coast there, we've just had, you know, 200 mils of rain in the last twenty four to forty eight hours. Yeah. So we've we've all had to work from home because of, you know, localized flooding and things like that. So I absolutely get it. It's all good. Oh, no. Oh, good. Well, what I'll do if you like is I'll go through things with you, give you a bit of an update. I know Michelle has been trying to update your address your email address for you as well. So after the call, I'll be able to send you out the any review documents for you to have a look at and to sign and return back, And we'll make sure she can send it out to your new email address for you as well. Okay? Beautiful. Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to confirm, I am discussing your personal information. So just in security, get you to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic. Thank you so much for that. So how's everything been since we were able to catch up last year? Is there any major changes in your work or life in general? Or Yep. Yes. Yes. Okay. Beautiful. Yep. Okay. Yep. All good. No. That's okay. Not a problem at all. So just having a quick look at what I had here. So last year, we had your income at around about 45,000 per annum. Do you think it's kinda going up or down from there a little bit? About the same. Yep. Yep. Oh, that's okay. Not an issue. Yeah. Not an issue at all. Fantastic. So a little bit more time at home, which is good, especially coming into winter with everything that goes around the schools and all the viruses. All good. All good. And moving forward over the next sort of twelve months, do you guys have any goals that you're looking to achieve? Anything financially or personally? Yeah. Yep. Yep. Mhmm. Yes. Yeah. Yes. It's yours. Yeah. Yeah. Mhmm. Yep. Yep. Oh, no. Yeah. Yep. Yep. Yeah. Yeah. No. Yeah. Yes. Yep. Yeah. Nice. Yeah. Yeah. No. Absolutely. And if you were to sort of buy land and build somewhere else, what would you wanna do with your current house? Would you be wanting to sort of keep that and rent it out, or would you be looking to try and sell that? What would be the plan? Yep. Okay. Yes. Okay. Beautiful. Yeah. Yeah. Right. Right. Yep. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. Yeah. No. Fair enough. Yep. Yeah. They might be getting desperate at some point. Might be willing to negotiate a bit more. Yep. No. Correct. Yeah. Absolutely. Yeah. Absolutely. Well, even with what came out from the budget last week, there's a lot of uncertainty around what people are gonna do with current investments with purchasing new investments down the track. So, I mean, looking at if you are looking at building, looking at something that can be subdivided, which gives you the option to, you know, maybe build another property to rent out or, you know, to be able to utilize. And if this legislation goes through, because I believe falls on quite a decent income, if you are looking at the other track having an investment property, which is possibly something we had noted here a while back as one of your goals, if this legislation goes through, it does need to be a new property to be able take advantage of negative gearing. And, realistically, when we hold investment properties or any kind of investment, the income made from that, we wanna try and, as much as possible, minimize the amount of tax we are paying. So by having an investment property that we can't, you know, can't use the losses on, it does make it pretty well pointless. So if you are looking at something that is subdivided, it does give you the option down the track of being able to maybe build a secondary property and rent it out and still give you access to the negative get negative gearing legislation if that goes through as it has been already announced. We know that moving forward, there could be some changes. I was just watching what happens with these bills to see whether they go through as is or whether there are any updates or anything there. But if anything does come up, you just wanna have more of a chat about it, please let me know. I'm more than happy to talk it through. But, yeah, I mean, having a subdivided property isn't a bad thing, But moving forward in order to take advantage of negative gearing and have investment properties and things down the track, we are gonna have to look at brand new properties at this point unless that bill somehow doesn't go through, which should be not bad. Yeah. But, no, it says that you've got some good plans there with regard to that. And, yeah, I mean, building a new home is a good thing. You do kind of get to build it your way, which is what it sounds like you've done to the house. You've got at the moment things that you've got specifications to, you know, to how you're comfortable that you do love it, and it's time to think of your own property with somebody else living in it too. So I can understand wanting to sell that to build something next. Yeah. Yeah. Renting out can be quite difficult personally too if you are. If you've lived in something and it's you know, you you love it and someone else was living in it and their certain if it doesn't really match or they don't look after it the same way, it can be kind of hard as well emotionally. So yeah. Yeah. No. That's okay. That's fantastic. Well, that's alright. Do let us hope you do have additional questions around, you know, that sort of thing or if you did need any additional advice down there, we can certainly get helping. But it sounds like you just kind of the merger of what you're just wanting to do is about finding the right property, the right, you know, amount you're willing to pay, but then also working out, you know, down the track what you just wanna be able to do with that as well. So yeah. Beautiful. All good. With the house you have at the moment, we had an asset value last year of about 1,200,000. Value wise, do you think that's probably gone up a little bit? Would you revalue that a bit more? Or Yeah. Yeah. Yep. Yeah. Perfect. 1.3. Yeah. Yeah. Yeah. No. That's absolutely fine. Yeah. Yeah. No. No. Absolutely. No. Not a problem at all. And mortgage wise, we had it used over about a 100,000 on the property. Have you been able to reduce that debt a little bit, or has it gone up a bit with improvements? Or Mhmm. Yep. Yes. Yes. Yes. Yes. That's okay. So it's just fully offset. You've got that money sitting in the offset account, a 100 percent offsetting the loan? Yep. Okay. Yeah. Yep. Yeah. Yeah. No. That's perfect. That's fantastic. Excellent. All good. And what else we've got here? I've got your two cars. So the first car I do apologize. This is car one, car two. The first car I have an asset value on is about 65,000. Which one of the cars would you value that at, and what type of car is it? Just so I can make a note here for you. Okay. Yep. Perfect. Yep. Perfect. Excellent. And you'd still value that at about 65,000? Yep. Beautiful. Fantastic. And the second car here was valued at about 2,000. What's the other vehicle that you do have there? Mazda three. And you still got it. That's fantastic. Yeah. Oh, fantastic. I love that. It's great. And as I've raised about $2, would you keep it about the same value, do you think? Yeah. Yeah. Absolutely. And then I've also got a caravan noted here as well with an asset value of 95,000. Do you still have the caravan? Yep. Perfect. Fantastic. And other assets I do like to note down as well, things I don't have is contents. Do you guys have contents insurance? Yep. Perfect. Do you know what that value might be at or what that would be to you? Yep. That's okay. You're fine. Yeah. Yeah. That's okay. That's not a problem at all. Estimated wise, do you think you'd value all your content? Like, if you took your house upside down, everything fell out, do you think you'd kinda value that at maybe more than a 100,000, less than a 100,000, just sort of an estimated value? Yeah. Makes sense. Yep. That's okay. I'll just pop that range in there for you. Not a problem at all. Easy done. And any other anything else of value? Any other, you know, cars, boats, caravans, or collections, tools of trade, or investments that you might have? Yeah. Okay. Yep. Yep. No. That's that's absolutely fine. It's not a problem at all. And any mostly, just popping down here for you for your offset account, which you've said you have just about $2 under that 100 k, so about 98,000 sitting in the offset. Yeah. Yep. Yes. Paystack. Yes. Yeah. Perfect. Perfect. No. No. It's all good. Absolutely. No. Perfect. Excellent. And do you guys have any credit cards or personal loans or anything, loans of credit? Yep. And I just had what's the limit on that one? Okay. Beautiful. And is there anything owing, or is it fully paid down? Okay. Yep. Yeah. Yep. Yeah. Yep. 19 days. Yeah. Perfect. And you've got the funds yeah. And you've got the funds there to pay it down if you need to as well. So that's definitely fine. Yep. Yeah. Perfect. Perfect. Take those. Absolutely. No. Fantastic. Well, thank you for updating those. Appreciate that. Now thinking about your sofa, we're looking at we had here your goal was hopefully to retire around about the age 65. And, mean, having a look at things, you're 35 this year in July. So you've still got a lot of time ahead of you there, but is 65 still your goal age at the moment? Yep. Beautiful. Anytime that we're looking to draw try and draw income of about $1,200 per week. Is that solely from your super, or is that kind of a combined for you and Paul in retirement, do you think? Yep. Yeah. Yeah. That's okay. So that'd be a combined goal, like, income amount. Beautiful. Excellent. Lovely. And at the moment, so with you working three days a week, I can see your employer contributions are going in, which is great. You don't really have capacity, or did you wanna look at maybe salary sacrificing or being able to make additional contributions to super, or is it something you'd not really prefer to do now with small kids? Yep. Yes. Yep. No. Yeah. Yeah. Perfect. I love that. Yeah. No. Excellent. All good. Fantastic. Well, Jeff also on the topic of your super, I know Michelle is gonna send you a copy of your annual review doc shortly for you. But your balance in super this time last year, you had about sorry. If I go backwards here, market value was showing a 120,305 and 7¢. Today, looking here, your balance is up to a 143,088 and 61¢. So you have seen a really good increase there. When we sort of break down the income and the growth, income wise, you've earned a bit over 2,800, and growth wise, you're over 13,000 there. So your portfolio as a whole net of fees has made over 16,198, which gives you about 11.15% return net of fees this year. So not bad at all. Yeah. That's okay. When we do look at the investments as individuals, they've all been performing quite well. I know we have seen a bit of ups and downs in the market with what's been going on globally. One of the big factors is The U the Iran and the US war going on, which has sort of impacted everyone globally there. But then here in Australia, we've also had higher inflation, which has also kind of had a little bit of an impact on the local economy as well as fixed interest does have a bit of an impact when and does take a bit of a battering when we do have high inflationary rates as well. So when I look at sort of all your portfolio individually, looking at your performance this year, your battery and lithium tech is up really well. It's probably your best performer for the year, up about 92.8%, which is great to see. Cybersecurity has had a little bit of a a down point. It's down by that 2.44%. It's facing it down because of what's going on between Iran and The U The US at the moment, but it is still a good investment. It's just having a bit of a dip period, so it is still worth keeping that investment in there. You're looking at the bank hybrids again. These are more defensive investment, and they are doing really well. You're up over 3.88% for that investment individually, and that's absolutely fine. It's defensive as a lower risk investment, so we do expect it to receive a lower rate of return, which is fine. And defensive investments are also good for income producing. You want dividends and income payments which get paid into your cash account so they can be reinvested back into your portfolio for compounding, which is really cool. You've got the beta shares Raffy in there, which is giving you exposure to mid and small cap Australian companies, and that's up by 16.85%. That is a really good return for what's been happening globally for the year, so it's a good performer. And physical gold has done phenomenal. Your physical gold is up 26.42%. Physical gold is up over 30% for the year as a whole, so really, really happy to see that moving upwards there. We've also got the the iShares S and P 500, which is giving you exposures to 500 companies in The US. And even with what's been happening here, you're up by 14.01%, which is really good to see. And then the China new economy is up over 20%, so it has been performing nicely as well. And property the Banak property ETF unit, so it's down by 2.26%. That has seen a little bit of a decrease there just with what's been happening with high inflationary rates. Essentially, inflation's taken a bit of a a hit with property. It does make it half of people to borrow, but commercial property is also seeing a little bit of a a down point with what's been happening with the war as well. So there's, you know, quite a quite an up and down period with the property side of things for the ETF there. We've been along Australian equities in your portfolio. That is down a bit more significantly. It's down by 20% in your portfolio. Because we've received a net return overall of over 11.15%, it honestly had very little impact on your portfolio and the overall return, but Bennelong has seen a bit of a dip. It isn't performing as well as we would like. And when I kinda went back and reviewed everything, I'd like to maybe remove that ad and put something else in its place for you. Bennelong was originally put in there as an active manager. So the idea of an active investment manager is that they're buying and selling, and they're trying to outperform against the market. But Bennelong hasn't been able to do that this year, and they've had some underlying issues within their portfolio. So I'd like to maybe look at removing that out for you, doing a bit of an investment switch. And I can also just go back and double check the investments within the portfolio, make sure you're not overexposed to any risks there, maybe just do a rebalance if need be as well. Are you comfortable with me looking at that for you? Fantastic. All good. When we do look at the way investments are, there are a couple of options I can look at to replace Benelon. I've done a bit of research and tried to sort of look at what we can maybe do to remove it for you. We have we can look at replacing it with another active manager. When when we have active investment managers in our portfolio, you do pay a little bit more in the way management fees for those sorts of things, and the assets manager is supposed to be trying to outperform against the market. All in all, there's no guarantee that they're going to outperform. Not every active manager does every single year. Alternatively, if you wanted, I could look at something a bit cheaper, look at more of a passive investment to replace it. We're still giving you access to the Australian market, maybe look at a bit more diversification, but also maybe saving an investment fee, something a bit cheaper. Did you want me to try and keep that active management, or did you want me to look at something a bit cheaper for you? Yeah. Well, the good thing about a passive investment is when the markets are essentially, with the to kind of break it down and make it a bit easier for you, with an active manager, they're trying to outperform against the market. So when the markets are down, they're trying not to dip as much as the markets are. They're trying to buy and sell and pick where's gonna be the next a good option or where the next, you know, increase is gonna be. They don't always meet that. The option to having a passive investment in there would be that you were tracking the market. You're not trying to outperform against the market. The managers are just tracking with what the market is doing. Often, over the longer term, those passive investments, which are cheaper, can actually outperform against active managers because they are just tracking the market. They're not trying to buy and sell and pick the top and the bottom of the market to move in and out of positions. They're just following through with the the market does in participating, and that can be a bit cheaper for you and can create more diversification if you wanted to look at that. Yeah. Yeah. No. Yeah. Yeah. That's absolutely fine. I've got a few options either way to look at. So I'll have a look at what passive options we've got here for you, and I'll just do a bit of an investment switch. I'll go back and review the portfolio as a whole just sort of see where you might be up and down. We also tend to do a bit of a rebalance every now and then, and that's essentially when you if you were to say where if I mean, we I know when we kind of recommended these investments, it was sort of recommended to hold different amounts of all the interesting investments. But as a bit of an example, if you had, say, being recommended 10% in every investment and, say, one investment went down to, say, 5%, another one went up, say, 15%, the investment sector up can tend to increase the level of risk you end up being overexposed. And the investments that have gone down a little bit, they might be, you know, decreasing the risk or, again, you know, reducing or increasing the risk level depending on what it is that's gone up and down. So rebalancing your portfolio, selling off some of the growth that the portfolio has seen, reinvesting it back in the areas where there is a little bit bit of a dip, they'll take advantage of the downside. It also helps to rebalance and make sure you're not taking too much risk in certain areas of your portfolio. So are you comfortable with me just reviewing the level you have and maybe rebalancing if we need to as well? Yes. Beautiful. That's okay. Do you have any questions about any of that so far at all? Yep. That's okay. Not a problem at all. What I'll do there for you, Jackie, is we'll I'll go back and have a look at everything for you. We'll do up an investment switch document for you as a new statement of advice. We'll come back and go through that together, and then you can decide whether you take the the recommendations or not. Okay? Excellent. That's okay. That's not a problem at all, but it's really good to see your portfolio has done well for the year. That's fantastic. Good to see. Yeah. Not a problem at all. I got oh, sorry. My earphone just dropped up. Okay. Having a look here, I've also got your insurances. So I know when Veronica did the last statement of advice for you, we've transferred your cover into Hub twenty four. So to give you a bit of an idea, at the moment, in the event of a life or TBD event, the sum insured you have is about 407,000 and 24 and 64¢. Are you happy with the level of cover? Did you wanna look at maybe reevaluating the life and TBD that you do have? Or that's okay? Yeah. Yeah. Yeah. No. That's okay. That's not a problem at all. It is good. You are paying any a small amount for that one. So for the year, it's about a $181.68 for the insurances. And it just means that if anything does happen and as much as your mortgage is basically fully offset, your life cover and your is paid out then. I believe I should have Paul down as your beneficiary, but it means that it's paid out so that he can take some time off to look after the kids to grieve to work out what he needs to do and, you know, look organize childcare and things like that. So it does give him a bit of a buffer, which is good to see. I can see here, so you don't have any income protection in the event that you work and stop work completely or not able to go to work due to illness or injury. I know you are offsetting the mortgage completely at the moment. But do you feel like Paul's income would be sufficient? You don't feel you need any, like, income protection at all? Yep. That's okay. That's not a problem at all. And I believe Veronica would have sort of talked to you about trauma in the past as well. Do you remember sort of going through what the options are for trauma insurances and how that works? Or did you want me to go through that with you? Yeah. That's okay? Yep. Not a problem at all. That's all good. I'll retain the life and TBD there for you. No additional insurances to worry about. If anything did come up and you wanted to kinda go through or have more of a conversation around those, just please feel free to let us know. It's not a problem at all. Okay? Fantastic. Easy done. So the updated document with regard to the portfolio report and also your updated balance will be in that email coming through shortly to you with regards to the annual review document. We do also have in there the ongoing service agreement for the for the next twelve months there as well. So just to kinda go through, because yourself and Paul are both clients, you do pay an ongoing service fee for our services of 1.1%. It is down from the normal 1.65 because you guys are both together as a couple on board. That is deducted on on a monthly basis in smaller monthly increments there. So we will attach the ongoing service agreement for you. If you are happy to, you know, continue with our services, we'll just need to sign and return that back. If at any point you find you're not comfortable, you don't like the service that you're receiving, please let me know. More than we'd be happy to turn it off and roll you to wherever you'd like to go. We wanna make sure that we are doing the work for you and updating the advice and working towards your goals. And as part of going back and reviewing the portfolio, maybe moving back along and, you know, altering the investments a little bit there, I'll be looking at how this affects you long term. With the advice that I do provide, I know back in the day you were given a document and it showed here you had your the projections right up until essentially retirement at the age of 60 five there. With the documents I do, under best interest, I don't feel because you are still so young and your life can change so heavily over the next ten years, I will show you a projection over what the next ten years is expected to look like based on the updated changes, and then we just wanna keep reviewing it moving forward there. I just think yeah. Just, you know, just too much that could change in the next sort of thirty odd years. Absolutely. So focusing on the shorter term and building towards your goals is definitely working better. But I also don't wanna sort of show you a unrealistic projected amount as well because markets do change, and we know cycles happen every sort of seven to ten years as well. So I just wanna let you know that's how I kinda do the advice side of things. But I'll show you what the advice document looks like, and then you'll be able to come back and let me know what you know, if you have any questions, whether you're happy to take the recommendations. Any recommendations we do make are just recommendations. So you get to decide whether you take all of them, some of them, or none of them at all. Okay? Fantastic. Beautiful. The only other thing to kind of update with you is looking at your will and power of attorneys and things. Do you guys have a will? Have you ever had a will and power of attorneys drawn up or guardianship and things like that? You have? Yep. Beautiful. Fantastic. So all updated, all reflects your circumstances and your wishes correctly? Yeah. Beautiful. Fantastic. Good to know. I'll double check that Paul is down as your beneficiary on all the documents there as well. And Michelle has also let me know that she has organized for your password to be reset to your hub 24 super as well. And you should receive the the password reset should receive the email or the request whilst on the phone now. So, hopefully, it comes through if it hasn't already. Okay? All good. That's okay. Now the only other thing to kinda check with you is with regard to the risk profile. So, look, you have had a really great return for the year. With your portfolio at the moment, you are in a high growth portfolio, so it does generally see about 90% of your super invested in growth assets. So looking at things like Australian shares, international shares, listed property, and commodities like gold and silver there, this sort of a portfolio does suit someone who's not gonna access a super in the next, you know, eight to ten years, essentially. You do have a bit of time on your side. You're wanting to get those greater upside benefits when the markets are performing, but you're also aware in the shorter term when the markets have a bit of a downtime that that downtime can be magnified a little bit as well. So we do expect short term volatility and ups and downs. Did you wanna reevaluate that that risk profile, or are you comfortable staying in that sort of environment for a little bit longer? Yep. Yep. Yeah. No. It's fine. Yeah. Absolutely. Yeah. Yeah. Fantastic. Not a problem at all. Well, I'll organize and make sure you're in that high growth environment. I'll reevaluate it at this level. You are taking a look at the diversification aspect there for you and the investments and see if we need to rebalance anything for you. When I do look into the research, I also take into account the the capital gains consequences because your super fund, just like you, it does a tax return every year. So when we do switch investments, your super fund does pay taxes for that. So I will show you the consequences of the recommendations I make, and I try to minimize those tax consequences as much as possible whilst making sure that we can rebalance and check your portfolio and see what's going on with it as well. Okay? Beautiful. Now catch up wise, Zach, Did you want us to do a bit more of a catch up with you sort of once every three or six months? Or are you happy just with an annual review once every twelve months? What would you like to see a bit more down the track? Yeah. Six months. Yep. Yeah. Yep. Yep. Yes. Yeah. Yeah. Yeah. Absolutely. Yeah. No. That's absolutely fine. That's not a problem. And, look, you're not limited to six months. So if you decide, you know, down the track you wanted just an ad hoc conversation or had some questions randomly, feel free to let us know. My team will definitely book you in. There's you know, you don't have to stick to six months. If you go, you know, one month, you just want an extra chat, let me know. That's what I'm here for, so there's no problem at all. Okay? Perfect. All good. Not an issue at all. Is there anything else that you maybe wanted to ask or anything else you maybe wanted me to touch on with regards to the review? Or any other questions that you might have? No. Yeah. Absolutely. Yeah. Oh, thank you. Yeah. Absolutely. No problem. Yeah. Not an issue at all. Absolutely. Fantastic. No worries. Well, I will get cracking on that research for you. The annual review docs will come through to you shortly. If you do happen to have any questions, please do let me know. I also do get Michelle to add in there the financial services guide, which outlines everything about who I am, my license number, and the information on us as well. So if you wanted to look me up or, you know, get the information or have a look at who what I look like, that's all in there for you as well. Okay? Beautiful. No worries. I'll let you go. Easy. Easy. I hope the kids are all okay and feel better soon. Oh, all good. Well, thank you so much for your time. I hope you have a lovely afternoon. Thanks, Jackie. I'll talk to you soon. Thank you. 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Jackie. This is Dana from OC Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in to go through your annual review. Is now still a good time here for you? Uh-huh. No. That's okay.\n\nThat's okay. I can try to not take up too much of your time. If you find that you do need to stop for any reason, just let me know, but we can try to jump through it as quickly as possible for you if that's easier. Oh, no. That no.\n\nYou're absolutely fine. I completely understand. Again, I'm actually working from home today because up here on the Northern east of our border slash Queensland Gold Coast there, we've just had, you know, 200 mils of rain in the last twenty four to forty eight hours. Yeah. So we've we've all had to work from home because of, you know, localized flooding and things like that.\n\nSo I absolutely get it. It's all good. Oh, no. Oh, good. Well, what I'll do if you like is I'll go through things with you, give you a bit of an update.\n\nI know Michelle has been trying to update your address your email address for you as well. So after the call, I'll be able to send you out the any review documents for you to have a look at and to sign and return back, And we'll make sure she can send it out to your new email address for you as well. Okay? Beautiful. Fantastic.\n\nBefore I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to confirm, I am discussing your personal information. So just in security, get you to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Fantastic. Thank you so much for that. So how's everything been since we were able to catch up last year? Is there any major changes in your work or life in general?\n\nOr Yep. Yes. Yes. Okay. Beautiful.\n\nYep. Okay. Yep. All good. No.\n\nThat's okay. Not a problem at all. So just having a quick look at what I had here. So last year, we had your income at around about 45,000 per annum. Do you think it's kinda going up or down from there a little bit?\n\nAbout the same. Yep. Yep. Oh, that's okay. Not an issue.\n\nYeah. Not an issue at all. Fantastic. So a little bit more time at home, which is good, especially coming into winter with everything that goes around the schools and all the viruses. All good.\n\nAll good. And moving forward over the next sort of twelve months, do you guys have any goals that you're looking to achieve? Anything financially or personally? Yeah. Yep.\n\nYep. Mhmm. Yes. Yeah. Yes.\n\nIt's yours. Yeah. Yeah. Mhmm. Yep.\n\nYep. Oh, no. Yeah. Yep. Yep.\n\nYeah. Yeah. No. Yeah. Yes.\n\nYep. Yeah. Nice. Yeah. Yeah.\n\nNo. Absolutely. And if you were to sort of buy land and build somewhere else, what would you wanna do with your current house? Would you be wanting to sort of keep that and rent it out, or would you be looking to try and sell that? What would be the plan?\n\nYep. Okay. Yes. Okay. Beautiful.\n\nYeah. Yeah. Right. Right. Yep.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYep. Yep. Yeah. Yeah. No.\n\nFair enough. Yep. Yeah. They might be getting desperate at some point. Might be willing to negotiate a bit more.\n\nYep. No. Correct. Yeah. Absolutely.\n\nYeah. Absolutely. Well, even with what came out from the budget last week, there's a lot of uncertainty around what people are gonna do with current investments with purchasing new investments down the track. So, I mean, looking at if you are looking at building, looking at something that can be subdivided, which gives you the option to, you know, maybe build another property to rent out or, you know, to be able to utilize. And if this legislation goes through, because I believe falls on quite a decent income, if you are looking at the other track having an investment property, which is possibly something we had noted here a while back as one of your goals, if this legislation goes through, it does need to be a new property to be able take advantage of negative gearing.\n\nAnd, realistically, when we hold investment properties or any kind of investment, the income made from that, we wanna try and, as much as possible, minimize the amount of tax we are paying. So by having an investment property that we can't, you know, can't use the losses on, it does make it pretty well pointless. So if you are looking at something that is subdivided, it does give you the option down the track of being able to maybe build a secondary property and rent it out and still give you access to the negative get negative gearing legislation if that goes through as it has been already announced. We know that moving forward, there could be some changes. I was just watching what happens with these bills to see whether they go through as is or whether there are any updates or anything there.\n\nBut if anything does come up, you just wanna have more of a chat about it, please let me know. I'm more than happy to talk it through. But, yeah, I mean, having a subdivided property isn't a bad thing, But moving forward in order to take advantage of negative gearing and have investment properties and things down the track, we are gonna have to look at brand new properties at this point unless that bill somehow doesn't go through, which should be not bad. Yeah. But, no, it says that you've got some good plans there with regard to that.\n\nAnd, yeah, I mean, building a new home is a good thing. You do kind of get to build it your way, which is what it sounds like you've done to the house. You've got at the moment things that you've got specifications to, you know, to how you're comfortable that you do love it, and it's time to think of your own property with somebody else living in it too. So I can understand wanting to sell that to build something next. Yeah.\n\nYeah. Renting out can be quite difficult personally too if you are. If you've lived in something and it's you know, you you love it and someone else was living in it and their certain if it doesn't really match or they don't look after it the same way, it can be kind of hard as well emotionally. So yeah. Yeah.\n\nNo. That's okay. That's fantastic. Well, that's alright. Do let us hope you do have additional questions around, you know, that sort of thing or if you did need any additional advice down there, we can certainly get helping.\n\nBut it sounds like you just kind of the merger of what you're just wanting to do is about finding the right property, the right, you know, amount you're willing to pay, but then also working out, you know, down the track what you just wanna be able to do with that as well. So yeah. Beautiful. All good. With the house you have at the moment, we had an asset value last year of about 1,200,000.\n\nValue wise, do you think that's probably gone up a little bit? Would you revalue that a bit more? Or Yeah. Yeah. Yep.\n\nYeah. Perfect. 1.3. Yeah. Yeah.\n\nYeah. No. That's absolutely fine. Yeah. Yeah.\n\nNo. No. Absolutely. No. Not a problem at all.\n\nAnd mortgage wise, we had it used over about a 100,000 on the property. Have you been able to reduce that debt a little bit, or has it gone up a bit with improvements? Or Mhmm. Yep. Yes.\n\nYes. Yes. Yes. That's okay. So it's just fully offset.\n\nYou've got that money sitting in the offset account, a 100 percent offsetting the loan? Yep. Okay. Yeah. Yep.\n\nYeah. Yeah. No. That's perfect. That's fantastic.\n\nExcellent. All good. And what else we've got here? I've got your two cars. So the first car I do apologize.\n\nThis is car one, car two. The first car I have an asset value on is about 65,000. Which one of the cars would you value that at, and what type of car is it? Just so I can make a note here for you. Okay.\n\nYep. Perfect. Yep. Perfect. Excellent.\n\nAnd you'd still value that at about 65,000? Yep. Beautiful. Fantastic. And the second car here was valued at about 2,000.\n\nWhat's the other vehicle that you do have there? Mazda three. And you still got it. That's fantastic. Yeah.\n\nOh, fantastic. I love that. It's great. And as I've raised about $2, would you keep it about the same value, do you think? Yeah.\n\nYeah. Absolutely. And then I've also got a caravan noted here as well with an asset value of 95,000. Do you still have the caravan? Yep.\n\nPerfect. Fantastic. And other assets I do like to note down as well, things I don't have is contents. Do you guys have contents insurance? Yep.\n\nPerfect. Do you know what that value might be at or what that would be to you? Yep. That's okay. You're fine.\n\nYeah. Yeah. That's okay. That's not a problem at all. Estimated wise, do you think you'd value all your content?\n\nLike, if you took your house upside down, everything fell out, do you think you'd kinda value that at maybe more than a 100,000, less than a 100,000, just sort of an estimated value? Yeah. Makes sense. Yep. That's okay.\n\nI'll just pop that range in there for you. Not a problem at all. Easy done. And any other anything else of value? Any other, you know, cars, boats, caravans, or collections, tools of trade, or investments that you might have?\n\nYeah. Okay. Yep. Yep. No.\n\nThat's that's absolutely fine. It's not a problem at all. And any mostly, just popping down here for you for your offset account, which you've said you have just about $2 under that 100 k, so about 98,000 sitting in the offset. Yeah. Yep.\n\nYes. Paystack. Yes. Yeah. Perfect.\n\nPerfect. No. No. It's all good. Absolutely.\n\nNo. Perfect. Excellent. And do you guys have any credit cards or personal loans or anything, loans of credit? Yep.\n\nAnd I just had what's the limit on that one? Okay. Beautiful. And is there anything owing, or is it fully paid down? Okay.\n\nYep. Yeah. Yep. Yeah. Yep.\n\n19 days. Yeah. Perfect. And you've got the funds yeah. And you've got the funds there to pay it down if you need to as well.\n\nSo that's definitely fine. Yep. Yeah. Perfect. Perfect.\n\nTake those. Absolutely. No. Fantastic. Well, thank you for updating those.\n\nAppreciate that. Now thinking about your sofa, we're looking at we had here your goal was hopefully to retire around about the age 65. And, mean, having a look at things, you're 35 this year in July. So you've still got a lot of time ahead of you there, but is 65 still your goal age at the moment? Yep.\n\nBeautiful. Anytime that we're looking to draw try and draw income of about $1,200 per week. Is that solely from your super, or is that kind of a combined for you and Paul in retirement, do you think? Yep. Yeah.\n\nYeah. That's okay. So that'd be a combined goal, like, income amount. Beautiful. Excellent.\n\nLovely. And at the moment, so with you working three days a week, I can see your employer contributions are going in, which is great. You don't really have capacity, or did you wanna look at maybe salary sacrificing or being able to make additional contributions to super, or is it something you'd not really prefer to do now with small kids? Yep. Yes.\n\nYep. No. Yeah. Yeah. Perfect.\n\nI love that. Yeah. No. Excellent. All good.\n\nFantastic. Well, Jeff also on the topic of your super, I know Michelle is gonna send you a copy of your annual review doc shortly for you. But your balance in super this time last year, you had about sorry. If I go backwards here, market value was showing a 120,305 and 7¢. Today, looking here, your balance is up to a 143,088 and 61¢.\n\nSo you have seen a really good increase there. When we sort of break down the income and the growth, income wise, you've earned a bit over 2,800, and growth wise, you're over 13,000 there. So your portfolio as a whole net of fees has made over 16,198, which gives you about 11.15% return net of fees this year. So not bad at all. Yeah.\n\nThat's okay. When we do look at the investments as individuals, they've all been performing quite well. I know we have seen a bit of ups and downs in the market with what's been going on globally. One of the big factors is The U the Iran and the US war going on, which has sort of impacted everyone globally there. But then here in Australia, we've also had higher inflation, which has also kind of had a little bit of an impact on the local economy as well as fixed interest does have a bit of an impact when and does take a bit of a battering when we do have high inflationary rates as well.\n\nSo when I look at sort of all your portfolio individually, looking at your performance this year, your battery and lithium tech is up really well. It's probably your best performer for the year, up about 92.8%, which is great to see. Cybersecurity has had a little bit of a a down point. It's down by that 2.44%. It's facing it down because of what's going on between Iran and The U The US at the moment, but it is still a good investment.\n\nIt's just having a bit of a dip period, so it is still worth keeping that investment in there. You're looking at the bank hybrids again. These are more defensive investment, and they are doing really well. You're up over 3.88% for that investment individually, and that's absolutely fine. It's defensive as a lower risk investment, so we do expect it to receive a lower rate of return, which is fine.\n\nAnd defensive investments are also good for income producing. You want dividends and income payments which get paid into your cash account so they can be reinvested back into your portfolio for compounding, which is really cool. You've got the beta shares Raffy in there, which is giving you exposure to mid and small cap Australian companies, and that's up by 16.85%. That is a really good return for what's been happening globally for the year, so it's a good performer. And physical gold has done phenomenal.\n\nYour physical gold is up 26.42%. Physical gold is up over 30% for the year as a whole, so really, really happy to see that moving upwards there. We've also got the the iShares S and P 500, which is giving you exposures to 500 companies in The US. And even with what's been happening here, you're up by 14.01%, which is really good to see. And then the China new economy is up over 20%, so it has been performing nicely as well.\n\nAnd property the Banak property ETF unit, so it's down by 2.26%. That has seen a little bit of a decrease there just with what's been happening with high inflationary rates. Essentially, inflation's taken a bit of a a hit with property. It does make it half of people to borrow, but commercial property is also seeing a little bit of a a down point with what's been happening with the war as well. So there's, you know, quite a quite an up and down period with the property side of things for the ETF there.\n\nWe've been along Australian equities in your portfolio. That is down a bit more significantly. It's down by 20% in your portfolio. Because we've received a net return overall of over 11.15%, it honestly had very little impact on your portfolio and the overall return, but Bennelong has seen a bit of a dip. It isn't performing as well as we would like.\n\nAnd when I kinda went back and reviewed everything, I'd like to maybe remove that ad and put something else in its place for you. Bennelong was originally put in there as an active manager. So the idea of an active investment manager is that they're buying and selling, and they're trying to outperform against the market. But Bennelong hasn't been able to do that this year, and they've had some underlying issues within their portfolio. So I'd like to maybe look at removing that out for you, doing a bit of an investment switch.\n\nAnd I can also just go back and double check the investments within the portfolio, make sure you're not overexposed to any risks there, maybe just do a rebalance if need be as well. Are you comfortable with me looking at that for you? Fantastic. All good. When we do look at the way investments are, there are a couple of options I can look at to replace Benelon.\n\nI've done a bit of research and tried to sort of look at what we can maybe do to remove it for you. We have we can look at replacing it with another active manager. When when we have active investment managers in our portfolio, you do pay a little bit more in the way management fees for those sorts of things, and the assets manager is supposed to be trying to outperform against the market. All in all, there's no guarantee that they're going to outperform. Not every active manager does every single year.\n\nAlternatively, if you wanted, I could look at something a bit cheaper, look at more of a passive investment to replace it. We're still giving you access to the Australian market, maybe look at a bit more diversification, but also maybe saving an investment fee, something a bit cheaper. Did you want me to try and keep that active management, or did you want me to look at something a bit cheaper for you? Yeah. Well, the good thing about a passive investment is when the markets are essentially, with the to kind of break it down and make it a bit easier for you, with an active manager, they're trying to outperform against the market.\n\nSo when the markets are down, they're trying not to dip as much as the markets are. They're trying to buy and sell and pick where's gonna be the next a good option or where the next, you know, increase is gonna be. They don't always meet that. The option to having a passive investment in there would be that you were tracking the market. You're not trying to outperform against the market.\n\nThe managers are just tracking with what the market is doing. Often, over the longer term, those passive investments, which are cheaper, can actually outperform against active managers because they are just tracking the market. They're not trying to buy and sell and pick the top and the bottom of the market to move in and out of positions. They're just following through with the the market does in participating, and that can be a bit cheaper for you and can create more diversification if you wanted to look at that. Yeah.\n\nYeah. No. Yeah. Yeah. That's absolutely fine.\n\nI've got a few options either way to look at. So I'll have a look at what passive options we've got here for you, and I'll just do a bit of an investment switch. I'll go back and review the portfolio as a whole just sort of see where you might be up and down. We also tend to do a bit of a rebalance every now and then, and that's essentially when you if you were to say where if I mean, we I know when we kind of recommended these investments, it was sort of recommended to hold different amounts of all the interesting investments. But as a bit of an example, if you had, say, being recommended 10% in every investment and, say, one investment went down to, say, 5%, another one went up, say, 15%, the investment sector up can tend to increase the level of risk you end up being overexposed.\n\nAnd the investments that have gone down a little bit, they might be, you know, decreasing the risk or, again, you know, reducing or increasing the risk level depending on what it is that's gone up and down. So rebalancing your portfolio, selling off some of the growth that the portfolio has seen, reinvesting it back in the areas where there is a little bit bit of a dip, they'll take advantage of the downside. It also helps to rebalance and make sure you're not taking too much risk in certain areas of your portfolio. So are you comfortable with me just reviewing the level you have and maybe rebalancing if we need to as well? Yes.\n\nBeautiful. That's okay. Do you have any questions about any of that so far at all? Yep. That's okay.\n\nNot a problem at all. What I'll do there for you, Jackie, is we'll I'll go back and have a look at everything for you. We'll do up an investment switch document for you as a new statement of advice. We'll come back and go through that together, and then you can decide whether you take the the recommendations or not. Okay?\n\nExcellent. That's okay. That's not a problem at all, but it's really good to see your portfolio has done well for the year. That's fantastic. Good to see.\n\nYeah. Not a problem at all. I got oh, sorry. My earphone just dropped up. Okay.\n\nHaving a look here, I've also got your insurances. So I know when Veronica did the last statement of advice for you, we've transferred your cover into Hub twenty four. So to give you a bit of an idea, at the moment, in the event of a life or TBD event, the sum insured you have is about 407,000 and 24 and 64¢. Are you happy with the level of cover? Did you wanna look at maybe reevaluating the life and TBD that you do have?\n\nOr that's okay? Yeah. Yeah. Yeah. No.\n\nThat's okay. That's not a problem at all. It is good. You are paying any a small amount for that one. So for the year, it's about a $181.68 for the insurances.\n\nAnd it just means that if anything does happen and as much as your mortgage is basically fully offset, your life cover and your is paid out then. I believe I should have Paul down as your beneficiary, but it means that it's paid out so that he can take some time off to look after the kids to grieve to work out what he needs to do and, you know, look organize childcare and things like that. So it does give him a bit of a buffer, which is good to see. I can see here, so you don't have any income protection in the event that you work and stop work completely or not able to go to work due to illness or injury. I know you are offsetting the mortgage completely at the moment.\n\nBut do you feel like Paul's income would be sufficient? You don't feel you need any, like, income protection at all? Yep. That's okay. That's not a problem at all.\n\nAnd I believe Veronica would have sort of talked to you about trauma in the past as well. Do you remember sort of going through what the options are for trauma insurances and how that works? Or did you want me to go through that with you? Yeah. That's okay?\n\nYep. Not a problem at all. That's all good. I'll retain the life and TBD there for you. No additional insurances to worry about.\n\nIf anything did come up and you wanted to kinda go through or have more of a conversation around those, just please feel free to let us know. It's not a problem at all. Okay? Fantastic. Easy done.\n\nSo the updated document with regard to the portfolio report and also your updated balance will be in that email coming through shortly to you with regards to the annual review document. We do also have in there the ongoing service agreement for the for the next twelve months there as well. So just to kinda go through, because yourself and Paul are both clients, you do pay an ongoing service fee for our services of 1.1%. It is down from the normal 1.65 because you guys are both together as a couple on board. That is deducted on on a monthly basis in smaller monthly increments there.\n\nSo we will attach the ongoing service agreement for you. If you are happy to, you know, continue with our services, we'll just need to sign and return that back. If at any point you find you're not comfortable, you don't like the service that you're receiving, please let me know. More than we'd be happy to turn it off and roll you to wherever you'd like to go. We wanna make sure that we are doing the work for you and updating the advice and working towards your goals.\n\nAnd as part of going back and reviewing the portfolio, maybe moving back along and, you know, altering the investments a little bit there, I'll be looking at how this affects you long term. With the advice that I do provide, I know back in the day you were given a document and it showed here you had your the projections right up until essentially retirement at the age of 60 five there. With the documents I do, under best interest, I don't feel because you are still so young and your life can change so heavily over the next ten years, I will show you a projection over what the next ten years is expected to look like based on the updated changes, and then we just wanna keep reviewing it moving forward there. I just think yeah. Just, you know, just too much that could change in the next sort of thirty odd years.\n\nAbsolutely. So focusing on the shorter term and building towards your goals is definitely working better. But I also don't wanna sort of show you a unrealistic projected amount as well because markets do change, and we know cycles happen every sort of seven to ten years as well. So I just wanna let you know that's how I kinda do the advice side of things. But I'll show you what the advice document looks like, and then you'll be able to come back and let me know what you know, if you have any questions, whether you're happy to take the recommendations.\n\nAny recommendations we do make are just recommendations. So you get to decide whether you take all of them, some of them, or none of them at all. Okay? Fantastic. Beautiful.\n\nThe only other thing to kind of update with you is looking at your will and power of attorneys and things. Do you guys have a will? Have you ever had a will and power of attorneys drawn up or guardianship and things like that? You have? Yep.\n\nBeautiful. Fantastic. So all updated, all reflects your circumstances and your wishes correctly? Yeah. Beautiful.\n\nFantastic. Good to know. I'll double check that Paul is down as your beneficiary on all the documents there as well. And Michelle has also let me know that she has organized for your password to be reset to your hub 24 super as well. And you should receive the the password reset should receive the email or the request whilst on the phone now.\n\nSo, hopefully, it comes through if it hasn't already. Okay? All good. That's okay. Now the only other thing to kinda check with you is with regard to the risk profile.\n\nSo, look, you have had a really great return for the year. With your portfolio at the moment, you are in a high growth portfolio, so it does generally see about 90% of your super invested in growth assets. So looking at things like Australian shares, international shares, listed property, and commodities like gold and silver there, this sort of a portfolio does suit someone who's not gonna access a super in the next, you know, eight to ten years, essentially. You do have a bit of time on your side. You're wanting to get those greater upside benefits when the markets are performing, but you're also aware in the shorter term when the markets have a bit of a downtime that that downtime can be magnified a little bit as well.\n\nSo we do expect short term volatility and ups and downs. Did you wanna reevaluate that that risk profile, or are you comfortable staying in that sort of environment for a little bit longer? Yep. Yep. Yeah.\n\nNo. It's fine. Yeah. Absolutely. Yeah.\n\nYeah. Fantastic. Not a problem at all. Well, I'll organize and make sure you're in that high growth environment. I'll reevaluate it at this level.\n\nYou are taking a look at the diversification aspect there for you and the investments and see if we need to rebalance anything for you. When I do look into the research, I also take into account the the capital gains consequences because your super fund, just like you, it does a tax return every year. So when we do switch investments, your super fund does pay taxes for that. So I will show you the consequences of the recommendations I make, and I try to minimize those tax consequences as much as possible whilst making sure that we can rebalance and check your portfolio and see what's going on with it as well. Okay?\n\nBeautiful. Now catch up wise, Zach, Did you want us to do a bit more of a catch up with you sort of once every three or six months? Or are you happy just with an annual review once every twelve months? What would you like to see a bit more down the track? Yeah.\n\nSix months. Yep. Yeah. Yep. Yep.\n\nYes. Yeah. Yeah. Yeah. Absolutely.\n\nYeah. No. That's absolutely fine. That's not a problem. And, look, you're not limited to six months.\n\nSo if you decide, you know, down the track you wanted just an ad hoc conversation or had some questions randomly, feel free to let us know. My team will definitely book you in. There's you know, you don't have to stick to six months. If you go, you know, one month, you just want an extra chat, let me know. That's what I'm here for, so there's no problem at all.\n\nOkay? Perfect. All good. Not an issue at all. Is there anything else that you maybe wanted to ask or anything else you maybe wanted me to touch on with regards to the review?\n\nOr any other questions that you might have? No. Yeah. Absolutely. Yeah.\n\nOh, thank you. Yeah. Absolutely. No problem. Yeah.\n\nNot an issue at all. Absolutely. Fantastic. No worries. Well, I will get cracking on that research for you.\n\nThe annual review docs will come through to you shortly. If you do happen to have any questions, please do let me know. I also do get Michelle to add in there the financial services guide, which outlines everything about who I am, my license number, and the information on us as well. So if you wanted to look me up or, you know, get the information or have a look at who what I look like, that's all in there for you as well. Okay?\n\nBeautiful. No worries. I'll let you go. Easy. Easy.\n\nI hope the kids are all okay and feel better soon. Oh, all good. Well, thank you so much for your time. I hope you have a lovely afternoon. Thanks, Jackie.\n\nI'll talk to you soon. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jackie.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13966836780309677},{"text":"This is Dana from OC Financial.","start":3.6799998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.1863533283273379},{"text":"How are you this morning?","start":5.3599997,"end":6.5,"sentiment":"neutral","sentiment_score":0.23117330372333528},{"text":"I'm very well.","start":8.08,"end":8.88,"sentiment":"positive","sentiment_score":0.6004345417022705},{"text":"Thank you.","start":8.88,"end":9.28,"sentiment":"positive","sentiment_score":0.669249027967453}],"sentiment":"neutral","sentiment_score":0.3162847169571453,"num_words":18,"start":3.04,"end":9.28},{"sentences":[{"text":"I had you booked in to go through your annual review.","start":9.28,"end":11.28,"sentiment":"neutral","sentiment_score":0.3049390912055969},{"text":"Is now still a good time here for you?","start":11.28,"end":13.38,"sentiment":"neutral","sentiment_score":0.308206202255355},{"text":"Uh-huh.","start":16.345,"end":16.845,"sentiment":"neutral","sentiment_score":-0.007994367741048336},{"text":"No.","start":17.065,"end":17.305,"sentiment":"neutral","sentiment_score":-0.09379756450653076},{"text":"That's okay.","start":17.305,"end":18.025,"sentiment":"neutral","sentiment_score":0.007864128798246384}],"sentiment":"neutral","sentiment_score":0.25175508953786147,"num_words":24,"start":9.28,"end":18.025},{"sentences":[{"text":"That's okay.","start":18.025,"end":18.825,"sentiment":"neutral","sentiment_score":0.06433067470788956},{"text":"I can try to not take up too much of your time.","start":18.825,"end":20.904999,"sentiment":"neutral","sentiment_score":-0.09253262790540855},{"text":"If you find that you do need to stop for any reason, just let me know, but we can try to jump through it as quickly as possible for you if that's easier.","start":20.904999,"end":27.885,"sentiment":"neutral","sentiment_score":-0.037633270476803635},{"text":"Oh, no.","start":29.77,"end":30.33,"sentiment":"neutral","sentiment_score":-0.012231259606778622},{"text":"That no.","start":30.33,"end":31.050001,"sentiment":"neutral","sentiment_score":-0.0464794896543026}],"sentiment":"neutral","sentiment_score":-0.045902933523643254,"num_words":51,"start":18.025,"end":31.050001},{"sentences":[{"text":"You're absolutely fine.","start":31.050001,"end":32.33,"sentiment":"neutral","sentiment_score":0.042516673604647316},{"text":"I completely understand.","start":32.33,"end":33.61,"sentiment":"neutral","sentiment_score":0.08695539211233456},{"text":"Again, I'm actually working from home today because up here on the Northern east of our border slash Queensland Gold Coast there, we've just had, you know, 200 mils of rain in the last twenty four to forty eight hours.","start":33.61,"end":43.690002,"sentiment":"neutral","sentiment_score":-0.019229690008796752},{"text":"Yeah.","start":43.690002,"end":44.010002,"sentiment":"neutral","sentiment_score":-0.02531659789383411},{"text":"So we've we've all had to work from home because of, you know, localized flooding and things like that.","start":44.010002,"end":49.875,"sentiment":"neutral","sentiment_score":-0.06380688595144372}],"sentiment":"neutral","sentiment_score":-0.02452149748745741,"num_words":66,"start":31.050001,"end":49.875},{"sentences":[{"text":"So I absolutely get it.","start":49.875,"end":51.795002,"sentiment":"neutral","sentiment_score":0.13408217951655388},{"text":"It's all good.","start":51.795002,"end":52.775,"sentiment":"neutral","sentiment_score":0.29853667815526325},{"text":"Oh, no.","start":55.395,"end":55.715,"sentiment":"neutral","sentiment_score":-0.0008592577651143074},{"text":"Oh, good.","start":55.715,"end":55.875,"sentiment":"neutral","sentiment_score":0.045937977731227875},{"text":"Well, what I'll do if you like is I'll go through things with you, give you a bit of an update.","start":55.875,"end":59.370003,"sentiment":"neutral","sentiment_score":0.052454517710776555}],"sentiment":"neutral","sentiment_score":0.0835673710274877,"num_words":33,"start":49.875,"end":59.370003},{"sentences":[{"text":"I know Michelle has been trying to update your address your email address for you as well.","start":59.510002,"end":64.25,"sentiment":"neutral","sentiment_score":0.043711173183777756},{"text":"So after the call, I'll be able to send you out the any review documents for you to have a look at and to sign and return back, And we'll make sure she can send it out to your new email address for you as well.","start":64.71,"end":74.445,"sentiment":"neutral","sentiment_score":0.10584149153336235},{"text":"Okay?","start":74.445,"end":74.945,"sentiment":"neutral","sentiment_score":0.0606805682182312},{"text":"Beautiful.","start":75.965,"end":76.465,"sentiment":"positive","sentiment_score":0.48861807584762573},{"text":"Fantastic.","start":76.845,"end":77.345,"sentiment":"positive","sentiment_score":0.40389949083328247}],"sentiment":"neutral","sentiment_score":0.09946964681148529,"num_words":66,"start":59.510002,"end":77.345},{"sentences":[{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":78.284996,"end":82.765,"sentiment":"neutral","sentiment_score":0.12625754916149637},{"text":"Are you happy for me to proceed with that?","start":82.765,"end":84.784996,"sentiment":"neutral","sentiment_score":0.12071917702754338},{"text":"Fantastic.","start":87.270004,"end":87.770004,"sentiment":"neutral","sentiment_score":0.2282683551311493},{"text":"And just to confirm, I am discussing your personal information.","start":88.23,"end":91.11,"sentiment":"neutral","sentiment_score":0.020791667699813842},{"text":"So just in security, get you to confirm your full name, your date of birth, and address I should have on file.","start":91.11,"end":96.090004,"sentiment":"neutral","sentiment_score":0.03193279288031838}],"sentiment":"neutral","sentiment_score":0.07890927229936306,"num_words":65,"start":78.284996,"end":96.090004},{"sentences":[{"text":"Yep.","start":100.265,"end":100.765,"sentiment":"neutral","sentiment_score":0.021572310477495193},{"text":"Fantastic.","start":102.505005,"end":103.005005,"sentiment":"positive","sentiment_score":0.7483443021774292},{"text":"Thank you so much for that.","start":103.385,"end":105.165,"sentiment":"positive","sentiment_score":0.8203908900419871},{"text":"So how's everything been since we were able to catch up last year?","start":105.865005,"end":108.985,"sentiment":"neutral","sentiment_score":0.04732507954423244},{"text":"Is there any major changes in your work or life in general?","start":108.985,"end":112.92,"sentiment":"neutral","sentiment_score":-0.010526363272219896}],"sentiment":"neutral","sentiment_score":0.18730823114288575,"num_words":33,"start":100.265,"end":112.92},{"sentences":[{"text":"Or Yep.","start":113.450005,"end":118.200005,"sentiment":"neutral","sentiment_score":-0.01586976647377014},{"text":"Yes.","start":128.955,"end":129.455,"sentiment":"neutral","sentiment_score":0.016988428309559822},{"text":"Yes.","start":135.275,"end":135.775,"sentiment":"neutral","sentiment_score":0.028359772637486454},{"text":"Okay.","start":135.83499,"end":136.315,"sentiment":"neutral","sentiment_score":0.082610584795475},{"text":"Beautiful.","start":136.315,"end":136.815,"sentiment":"neutral","sentiment_score":0.16557323932647705}],"sentiment":"neutral","sentiment_score":0.04363208202024301,"num_words":6,"start":113.450005,"end":136.815},{"sentences":[{"text":"Yep.","start":141.52,"end":142.02,"sentiment":"neutral","sentiment_score":-0.05620323866605759},{"text":"Okay.","start":153.735,"end":154.235,"sentiment":"neutral","sentiment_score":-0.031726039946079254},{"text":"Yep.","start":154.455,"end":154.955,"sentiment":"neutral","sentiment_score":-0.013233698904514313},{"text":"All good.","start":155.255,"end":155.99501,"sentiment":"neutral","sentiment_score":0.0266271885484457},{"text":"No.","start":158.93501,"end":159.175,"sentiment":"neutral","sentiment_score":-0.06641137599945068}],"sentiment":"neutral","sentiment_score":-0.01905332940320174,"num_words":6,"start":141.52,"end":159.175},{"sentences":[{"text":"That's okay.","start":159.175,"end":160.05501,"sentiment":"neutral","sentiment_score":-0.015553997829556465},{"text":"Not a problem at all.","start":160.05501,"end":161.255,"sentiment":"neutral","sentiment_score":0.01882523074746132},{"text":"So just having a quick look at what I had here.","start":161.255,"end":163.815,"sentiment":"neutral","sentiment_score":0.00964771236547015},{"text":"So last year, we had your income at around about 45,000 per annum.","start":163.815,"end":168.48,"sentiment":"neutral","sentiment_score":-0.0035116322732602176},{"text":"Do you think it's kinda going up or down from there a little bit?","start":168.48,"end":171.62,"sentiment":"neutral","sentiment_score":-0.03521053373281445}],"sentiment":"neutral","sentiment_score":-0.008210126615853772,"num_words":45,"start":159.175,"end":171.62},{"sentences":[{"text":"About the same.","start":174.16,"end":175.22,"sentiment":"neutral","sentiment_score":-0.023425258075197537},{"text":"Yep.","start":175.52,"end":176.02,"sentiment":"neutral","sentiment_score":-0.0003801987913902849},{"text":"Yep.","start":176.88,"end":177.38,"sentiment":"neutral","sentiment_score":-0.014764289371669292},{"text":"Oh, that's okay.","start":178.48,"end":179.45999,"sentiment":"neutral","sentiment_score":0.059880574544270836},{"text":"Not an issue.","start":180.72,"end":181.7,"sentiment":"neutral","sentiment_score":0.06115161627531052}],"sentiment":"neutral","sentiment_score":0.025243300915462896,"num_words":11,"start":174.16,"end":181.7},{"sentences":[{"text":"Yeah.","start":181.975,"end":182.215,"sentiment":"neutral","sentiment_score":0.04586201161146164},{"text":"Not an issue at all.","start":182.215,"end":183.655,"sentiment":"neutral","sentiment_score":0.052988357841968536},{"text":"Fantastic.","start":183.655,"end":184.13501,"sentiment":"positive","sentiment_score":0.4063692688941955},{"text":"So a little bit more time at home, which is good, especially coming into winter with everything that goes around the schools and all the viruses.","start":184.13501,"end":190.795,"sentiment":"neutral","sentiment_score":0.2646213930386763},{"text":"All good.","start":193.975,"end":194.73,"sentiment":"positive","sentiment_score":0.3943951427936554}],"sentiment":"neutral","sentiment_score":0.2396034164088113,"num_words":35,"start":181.975,"end":194.73},{"sentences":[{"text":"All good.","start":194.81,"end":195.61,"sentiment":"positive","sentiment_score":0.3526439219713211},{"text":"And moving forward over the next sort of twelve months, do you guys have any goals that you're looking to achieve?","start":195.61,"end":199.93,"sentiment":"neutral","sentiment_score":0.12990621477365494},{"text":"Anything financially or 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goes through as it has been already announced.","start":675.35,"end":691.265,"sentiment":"neutral","sentiment_score":-0.050073842587018455},{"text":"We know that moving forward, there could be some changes.","start":693.005,"end":695.505,"sentiment":"neutral","sentiment_score":0.011018739454448223},{"text":"I was just watching what happens with these bills to see whether they go through as is or whether there are any updates or anything there.","start":695.64,"end":702.28,"sentiment":"neutral","sentiment_score":0.0044447238771961285}],"sentiment":"neutral","sentiment_score":-0.09064290584511545,"num_words":146,"start":653.765,"end":702.28},{"sentences":[{"text":"But if anything does come up, you just wanna have more of a chat about it, please let me know.","start":702.28,"end":706.54004,"sentiment":"neutral","sentiment_score":0.004701835662126541},{"text":"I'm more than happy to talk it 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apologize.","start":979.37,"end":980.73,"sentiment":"neutral","sentiment_score":0.0005325923806854657}],"sentiment":"neutral","sentiment_score":0.114148237831181,"num_words":21,"start":972.055,"end":980.73},{"sentences":[{"text":"This is car one, car two.","start":980.73,"end":982.50995,"sentiment":"neutral","sentiment_score":0.0011684433557093141},{"text":"The first car I have an asset value on is about 65,000.","start":982.88995,"end":986.58997,"sentiment":"neutral","sentiment_score":0.014901061930383245},{"text":"Which one of the cars would you value that at, and what type of car is it?","start":987.37,"end":990.97,"sentiment":"neutral","sentiment_score":0.01749477705315632},{"text":"Just so I can make a note here for 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you'd still value that at about 65,000?","start":1006.31,"end":1008.97003,"sentiment":"neutral","sentiment_score":0.08510678727179766},{"text":"Yep.","start":1015.27,"end":1015.77,"sentiment":"neutral","sentiment_score":0.05139514431357384},{"text":"Beautiful.","start":1017.875,"end":1018.375,"sentiment":"positive","sentiment_score":0.6183629035949707},{"text":"Fantastic.","start":1018.595,"end":1019.095,"sentiment":"neutral","sentiment_score":0.09819193184375764},{"text":"And the second car here was valued at about 2,000.","start":1020.035,"end":1023.015,"sentiment":"neutral","sentiment_score":0.003547206008806825}],"sentiment":"neutral","sentiment_score":0.07067982561975009,"num_words":21,"start":1006.31,"end":1023.015},{"sentences":[{"text":"What's the other vehicle that you do have there?","start":1023.075,"end":1025.335,"sentiment":"neutral","sentiment_score":0.00600902187741465},{"text":"Mazda 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problem at all.","start":1144.53,"end":1145.81,"sentiment":"positive","sentiment_score":0.4582988142967224},{"text":"Easy done.","start":1145.81,"end":1146.71,"sentiment":"positive","sentiment_score":0.571109265089035},{"text":"And any other anything else of value?","start":1147.41,"end":1149.89,"sentiment":"neutral","sentiment_score":0.21373541866030013},{"text":"Any other, you know, cars, boats, caravans, or collections, tools of trade, or investments that you might 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kids?","start":1434.12,"end":1444.425,"sentiment":"neutral","sentiment_score":-0.1066956900664278},{"text":"Yep.","start":1449.9401,"end":1450.4401,"sentiment":"neutral","sentiment_score":-0.1073465570807457},{"text":"Yes.","start":1457.38,"end":1457.88,"sentiment":"neutral","sentiment_score":-0.07994180917739868}],"sentiment":"neutral","sentiment_score":0.058819471625611186,"num_words":64,"start":1426.52,"end":1457.88},{"sentences":[{"text":"Yep.","start":1461.06,"end":1461.4601,"sentiment":"neutral","sentiment_score":-0.094841331243515},{"text":"No.","start":1461.4601,"end":1461.9601,"sentiment":"neutral","sentiment_score":-0.1552763730287552},{"text":"Yeah.","start":1464.315,"end":1464.815,"sentiment":"neutral","sentiment_score":-0.09184381365776062},{"text":"Yeah.","start":1472.235,"end":1472.735,"sentiment":"neutral","sentiment_score":0.029615554958581924},{"text":"Perfect.","start":1478.2699,"end":1478.7699,"sentiment":"positive","sentiment_score":0.5303926467895508}],"sentiment":"neutral","sentiment_score":0.043609336763620374,"num_words":5,"start":1461.06,"end":1478.7699},{"sentences":[{"text":"I love that.","start":1478.99,"end":1479.97,"sentiment":"positive","sentiment_score":0.5862926840782166},{"text":"Yeah.","start":1480.0299,"end":1480.5299,"sentiment":"neutral","sentiment_score":0.13363485038280487},{"text":"No.","start":1480.6699,"end":1481.07,"sentiment":"neutral","sentiment_score":0.021046027541160583},{"text":"Excellent.","start":1481.07,"end":1481.57,"sentiment":"neutral","sentiment_score":0.17474247515201569},{"text":"All good.","start":1481.71,"end":1482.2699,"sentiment":"neutral","sentiment_score":0.24880389124155045}],"sentiment":"neutral","sentiment_score":0.32323864847421646,"num_words":8,"start":1478.99,"end":1482.2699},{"sentences":[{"text":"Fantastic.","start":1482.2699,"end":1482.7699,"sentiment":"neutral","sentiment_score":0.015459192916750908},{"text":"Well, Jeff also on the topic of your super, I know Michelle is gonna send you a copy of your annual review doc shortly for you.","start":1483.5499,"end":1490.19,"sentiment":"neutral","sentiment_score":0.04559188386282095},{"text":"But your balance in super this time last year, you had about sorry.","start":1490.19,"end":1494.8151,"sentiment":"neutral","sentiment_score":-0.017932747992185447},{"text":"If I go backwards here, market value was showing a 120,305 and 7¢.","start":1494.8151,"end":1501.155,"sentiment":"neutral","sentiment_score":-0.0008643749170005322},{"text":"Today, looking here, your balance is up to a 143,088 and 61¢.","start":1502.0951,"end":1509.51,"sentiment":"neutral","sentiment_score":0.21469205550172113}],"sentiment":"neutral","sentiment_score":0.052681945412168425,"num_words":65,"start":1482.2699,"end":1509.51},{"sentences":[{"text":"So you have seen a really good increase there.","start":1509.51,"end":1511.77,"sentiment":"positive","sentiment_score":0.49639538923899335},{"text":"When we sort of break down the income and the growth, income wise, you've earned a bit over 2,800, and growth wise, you're over 13,000 there.","start":1512.23,"end":1520.71,"sentiment":"neutral","sentiment_score":0.2513234827380914},{"text":"So your portfolio as a whole net of fees has made over 16,198, which gives you about 11.15% return net of fees this year.","start":1520.71,"end":1530.695,"sentiment":"positive","sentiment_score":0.34248337770501774},{"text":"So not bad at all.","start":1530.695,"end":1532.315,"sentiment":"positive","sentiment_score":0.4919523298740387},{"text":"Yeah.","start":1534.47,"end":1534.95,"sentiment":"neutral","sentiment_score":0.2444010078907013}],"sentiment":"positive","sentiment_score":0.33731896579265597,"num_words":65,"start":1509.51,"end":1534.95},{"sentences":[{"text":"That's okay.","start":1534.95,"end":1535.77,"sentiment":"neutral","sentiment_score":0.16474507004022598},{"text":"When we do look at the investments as individuals, they've all been performing quite well.","start":1536.47,"end":1542.1699,"sentiment":"neutral","sentiment_score":0.1357644997537136},{"text":"I know we have seen a bit of ups and downs in the market with what's been going on globally.","start":1542.23,"end":1546.41,"sentiment":"neutral","sentiment_score":-0.08350292537361384},{"text":"One of the big factors is The U the Iran and the US war going on, which has sort of impacted everyone globally there.","start":1547.375,"end":1554.575,"sentiment":"neutral","sentiment_score":-0.08726075051041941},{"text":"But then here in Australia, we've also had higher inflation, which has also kind of had a little bit of an impact on the local economy as well as fixed interest does have a bit of an impact when and does take a bit of a battering when we do have high inflationary rates as well.","start":1554.575,"end":1570.0,"sentiment":"neutral","sentiment_score":-0.05718247269812439}],"sentiment":"neutral","sentiment_score":-0.039321173969497025,"num_words":117,"start":1534.95,"end":1570.0},{"sentences":[{"text":"So when I look at sort of all your portfolio individually, looking at your performance this year, your battery and lithium tech is up really well.","start":1571.2599,"end":1580.145,"sentiment":"neutral","sentiment_score":0.2951809442960299},{"text":"It's probably your best performer for the year, up about 92.8%, which is great to see.","start":1580.145,"end":1585.6849,"sentiment":"positive","sentiment_score":0.3355074329301715},{"text":"Cybersecurity has had a little bit of a a down point.","start":1586.385,"end":1589.4249,"sentiment":"neutral","sentiment_score":-0.0890920754860748},{"text":"It's down by that 2.44%.","start":1589.4249,"end":1591.85,"sentiment":"neutral","sentiment_score":-0.11872198283672333},{"text":"It's facing it down because of what's going on between Iran and The U The US at the moment, but it is still a good investment.","start":1591.91,"end":1599.37,"sentiment":"neutral","sentiment_score":-0.011347599041003447}],"sentiment":"neutral","sentiment_score":0.13302575189265467,"num_words":84,"start":1571.2599,"end":1599.37},{"sentences":[{"text":"It's just having a bit of a dip period, so it is still worth keeping that investment in there.","start":1599.75,"end":1604.33,"sentiment":"neutral","sentiment_score":-0.021364570644341017},{"text":"You're looking at the bank hybrids again.","start":1605.375,"end":1607.935,"sentiment":"neutral","sentiment_score":0.19526479499680655},{"text":"These are more defensive investment, and they are doing really well.","start":1607.935,"end":1610.735,"sentiment":"positive","sentiment_score":0.5069503052668138},{"text":"You're up over 3.88% for that investment individually, and that's absolutely fine.","start":1610.735,"end":1616.095,"sentiment":"positive","sentiment_score":0.5014069701234499},{"text":"It's defensive as a lower risk investment, so we do expect it to receive a lower rate of return, which is fine.","start":1616.095,"end":1622.26,"sentiment":"positive","sentiment_score":0.46019304476001044}],"sentiment":"neutral","sentiment_score":0.31941564375875703,"num_words":71,"start":1599.75,"end":1622.26},{"sentences":[{"text":"And defensive investments are also good for income producing.","start":1623.04,"end":1625.8401,"sentiment":"positive","sentiment_score":0.379271967543496},{"text":"You want dividends and income payments which get paid into your cash account so they can be reinvested back into your portfolio for compounding, which is really cool.","start":1625.8401,"end":1634.8201,"sentiment":"neutral","sentiment_score":0.3163920539830412},{"text":"You've got the beta shares Raffy in there, which is giving you exposure to mid and small cap Australian companies, and that's up by 16.85%.","start":1636.055,"end":1643.995,"sentiment":"positive","sentiment_score":0.36511484265327454},{"text":"That is a really good return for what's been happening globally for the year, so it's a good performer.","start":1644.775,"end":1649.915,"sentiment":"positive","sentiment_score":0.6777508572528237},{"text":"And physical gold has done phenomenal.","start":1650.2899,"end":1652.39,"sentiment":"positive","sentiment_score":0.5784379740556082}],"sentiment":"positive","sentiment_score":0.43388724618259517,"num_words":87,"start":1623.04,"end":1652.39},{"sentences":[{"text":"Your physical gold is up 26.42%.","start":1652.77,"end":1655.99,"sentiment":"positive","sentiment_score":0.48712459703286487},{"text":"Physical gold is up over 30% for the year as a whole, so really, really happy to see that moving upwards there.","start":1656.45,"end":1663.75,"sentiment":"positive","sentiment_score":0.581917019052939},{"text":"We've also got the the iShares S and P 500, which is giving you exposures to 500 companies in The US.","start":1664.595,"end":1671.575,"sentiment":"neutral","sentiment_score":0.12691837123462132},{"text":"And even with what's been happening here, you're up by 14.01%, which is really good to see.","start":1672.035,"end":1678.215,"sentiment":"positive","sentiment_score":0.351758937625324},{"text":"And then the China new economy is up over 20%, so it has been performing nicely as well.","start":1678.66,"end":1684.84,"sentiment":"neutral","sentiment_score":0.3178433155020078}],"sentiment":"positive","sentiment_score":0.3582296359042327,"num_words":84,"start":1652.77,"end":1684.84},{"sentences":[{"text":"And property the Banak property ETF unit, so it's down by 2.26%.","start":1685.78,"end":1691.3201,"sentiment":"neutral","sentiment_score":0.050490476967146},{"text":"That has seen a little bit of a decrease there just with what's been happening with high inflationary rates.","start":1691.745,"end":1696.885,"sentiment":"neutral","sentiment_score":-0.10660259258982382},{"text":"Essentially, inflation's taken a bit of a a hit with property.","start":1697.025,"end":1699.905,"sentiment":"neutral","sentiment_score":-0.1626564155925404},{"text":"It does make it half of people to borrow, but commercial property is also seeing a little bit of a a down point with what's been happening with the war as well.","start":1699.905,"end":1707.79,"sentiment":"neutral","sentiment_score":-0.12699566734954715},{"text":"So there's, you know, quite a quite an up and down period with the property side of things for the ETF there.","start":1707.79,"end":1714.6901,"sentiment":"neutral","sentiment_score":-0.08301237318664789}],"sentiment":"neutral","sentiment_score":-0.09478039242094383,"num_words":96,"start":1685.78,"end":1714.6901},{"sentences":[{"text":"We've been along Australian equities in your portfolio.","start":1714.8301,"end":1718.53,"sentiment":"neutral","sentiment_score":-0.06745319534093142},{"text":"That is down a bit more significantly.","start":1719.465,"end":1721.245,"sentiment":"negative","sentiment_score":-0.3583349457808903},{"text":"It's down by 20% in your portfolio.","start":1721.705,"end":1724.045,"sentiment":"neutral","sentiment_score":-0.22833066540105001},{"text":"Because we've received a net return overall of over 11.15%, it honestly had very little impact on your portfolio and the overall return, but Bennelong has seen a bit of a dip.","start":1724.745,"end":1737.8401,"sentiment":"neutral","sentiment_score":-0.07181898120325059},{"text":"It isn't performing as well as we would like.","start":1737.8401,"end":1740.3401,"sentiment":"negative","sentiment_score":-0.43767743971612716}],"sentiment":"neutral","sentiment_score":-0.17275538407857455,"num_words":63,"start":1714.8301,"end":1740.3401},{"sentences":[{"text":"And when I kinda went back and reviewed everything, I'd like to maybe remove that ad and put something else in its place for you.","start":1740.48,"end":1747.2201,"sentiment":"neutral","sentiment_score":-0.1299639219045639},{"text":"Bennelong was originally put in there as an active manager.","start":1747.815,"end":1751.575,"sentiment":"neutral","sentiment_score":0.001645338349044323},{"text":"So the idea of an active investment manager is that they're buying and selling, and they're trying to outperform against the market.","start":1751.575,"end":1757.995,"sentiment":"neutral","sentiment_score":0.021304674531248482},{"text":"But Bennelong hasn't been able to do that this year, and they've had some underlying issues within their portfolio.","start":1758.215,"end":1763.1901,"sentiment":"neutral","sentiment_score":-0.23376324537553286},{"text":"So I'd like to maybe look at removing that out for you, doing a bit of an investment switch.","start":1763.81,"end":1768.47,"sentiment":"neutral","sentiment_score":-0.035920372722964534}],"sentiment":"neutral","sentiment_score":-0.08303084808744882,"num_words":95,"start":1740.48,"end":1768.47},{"sentences":[{"text":"And I can also just go back and double check the investments within the portfolio, make sure you're not overexposed to any risks there, maybe just do a rebalance if need be as well.","start":1768.85,"end":1777.17,"sentiment":"neutral","sentiment_score":0.028568910873111558},{"text":"Are you comfortable with me looking at that for you?","start":1777.17,"end":1781.625,"sentiment":"neutral","sentiment_score":0.09392024017870426},{"text":"Fantastic.","start":1781.625,"end":1782.125,"sentiment":"positive","sentiment_score":0.5649905204772949},{"text":"All good.","start":1782.425,"end":1783.245,"sentiment":"positive","sentiment_score":0.4821964204311371},{"text":"When we do look at the way investments are, there are a couple of options I can look at to replace Benelon.","start":1783.545,"end":1788.765,"sentiment":"neutral","sentiment_score":0.054236482828855515}],"sentiment":"neutral","sentiment_score":0.0671468312325685,"num_words":69,"start":1768.85,"end":1788.765},{"sentences":[{"text":"I've done a bit of research and tried to sort of look at what we can maybe do to remove it for you.","start":1788.825,"end":1793.96,"sentiment":"neutral","sentiment_score":0.050766261213499565},{"text":"We have we can look at replacing it with another active manager.","start":1794.4199,"end":1798.0399,"sentiment":"neutral","sentiment_score":-0.0026998363124827542},{"text":"When when we have active investment managers in our portfolio, you do pay a little bit more in the way management fees for those sorts of things, and the assets manager is supposed to be trying to outperform against the market.","start":1798.82,"end":1810.3049,"sentiment":"neutral","sentiment_score":-0.011396660946491288},{"text":"All in all, there's no guarantee that they're going to outperform.","start":1811.245,"end":1814.545,"sentiment":"neutral","sentiment_score":-0.13492825390263039},{"text":"Not every active manager does every single year.","start":1814.925,"end":1817.745,"sentiment":"neutral","sentiment_score":-0.19208241812884808}],"sentiment":"neutral","sentiment_score":-0.024767444890580678,"num_words":95,"start":1788.825,"end":1817.745},{"sentences":[{"text":"Alternatively, if you wanted, I could look at something a bit cheaper, look at more of a passive investment to replace it.","start":1818.8999,"end":1824.0199,"sentiment":"neutral","sentiment_score":0.05583907524123788},{"text":"We're still giving you access to the Australian market, maybe look at a bit more diversification, but also maybe saving an investment fee, something a bit cheaper.","start":1824.0199,"end":1833.035,"sentiment":"neutral","sentiment_score":0.1808994514522729},{"text":"Did you want me to try and keep that active management, or did you want me to look at something a bit cheaper for you?","start":1833.035,"end":1838.095,"sentiment":"neutral","sentiment_score":0.031196142733097076},{"text":"Yeah.","start":1847.89,"end":1848.13,"sentiment":"neutral","sentiment_score":0.01899923011660576},{"text":"Well, the good thing about a passive investment is when the markets are essentially, with the to kind of break it down and make it a bit easier for you, with an active manager, they're trying to outperform against the market.","start":1848.13,"end":1859.3301,"sentiment":"neutral","sentiment_score":0.18243702101271328}],"sentiment":"neutral","sentiment_score":0.12406521986624033,"num_words":116,"start":1818.8999,"end":1859.3301},{"sentences":[{"text":"So when the markets are down, they're trying not to dip as much as the markets are.","start":1859.3301,"end":1863.3151,"sentiment":"neutral","sentiment_score":0.029709601090015733},{"text":"They're trying to buy and sell and pick where's gonna be the next a good option or where the next, you know, increase is gonna be.","start":1863.3151,"end":1870.455,"sentiment":"neutral","sentiment_score":0.06353611069229934},{"text":"They don't always meet that.","start":1870.915,"end":1872.455,"sentiment":"neutral","sentiment_score":-0.06448513865470887},{"text":"The option to having a passive investment in there would be that you were tracking the market.","start":1872.595,"end":1878.15,"sentiment":"neutral","sentiment_score":0.09432480528074152},{"text":"You're not trying to outperform against the market.","start":1878.15,"end":1880.23,"sentiment":"neutral","sentiment_score":0.0646125553175807}],"sentiment":"neutral","sentiment_score":0.054178062131092566,"num_words":73,"start":1859.3301,"end":1880.23},{"sentences":[{"text":"The managers are just tracking with what the market is doing.","start":1880.23,"end":1883.13,"sentiment":"neutral","sentiment_score":0.11448544670235027},{"text":"Often, over the longer term, those passive investments, which are cheaper, can actually outperform against active managers because they are just tracking the market.","start":1883.75,"end":1891.6649,"sentiment":"neutral","sentiment_score":0.2508559562265873},{"text":"They're not trying to buy and sell and pick the top and the bottom of the market to move in and out of positions.","start":1891.6649,"end":1897.365,"sentiment":"neutral","sentiment_score":0.07363871003811558},{"text":"They're just following through with the the market does in participating, and that can be a bit cheaper for you and can create more diversification if you wanted to look at that.","start":1897.4249,"end":1906.1649,"sentiment":"neutral","sentiment_score":0.08297316404059529},{"text":"Yeah.","start":1913.76,"end":1914.0,"sentiment":"neutral","sentiment_score":-0.027219468727707863}],"sentiment":"neutral","sentiment_score":0.1269036270070659,"num_words":92,"start":1880.23,"end":1914.0},{"sentences":[{"text":"Yeah.","start":1914.0,"end":1914.5,"sentiment":"neutral","sentiment_score":-0.05077328532934189},{"text":"No.","start":1917.3601,"end":1917.8601,"sentiment":"negative","sentiment_score":-0.43921151757240295},{"text":"Yeah.","start":1923.655,"end":1923.9751,"sentiment":"neutral","sentiment_score":0.02731752023100853},{"text":"Yeah.","start":1923.9751,"end":1924.295,"sentiment":"neutral","sentiment_score":0.06773467361927032},{"text":"That's absolutely fine.","start":1924.295,"end":1925.655,"sentiment":"neutral","sentiment_score":0.3150422622760137}],"sentiment":"neutral","sentiment_score":0.07859916825379644,"num_words":7,"start":1914.0,"end":1925.655},{"sentences":[{"text":"I've got a few options either way to look at.","start":1925.655,"end":1927.8151,"sentiment":"neutral","sentiment_score":0.12837258763611317},{"text":"So I'll have a look at what passive options we've got here for you, and I'll just do a bit of an investment switch.","start":1927.8151,"end":1933.79,"sentiment":"neutral","sentiment_score":0.0360637657965223},{"text":"I'll go back and review the portfolio as a whole just sort of see where you might be up and down.","start":1933.79,"end":1938.67,"sentiment":"neutral","sentiment_score":0.02673483489169961},{"text":"We also tend to do a bit of a rebalance every now and then, and that's essentially when you if you were to say where if I mean, we I know when we kind of recommended these investments, it was sort of recommended to hold different amounts of all the interesting investments.","start":1938.67,"end":1951.795,"sentiment":"neutral","sentiment_score":0.005833337387929742},{"text":"But as a bit of an example, if you had, say, being recommended 10% in every investment and, say, one investment went down to, say, 5%, another one went up, say, 15%, the investment sector up can tend to increase the level of risk you end up being overexposed.","start":1951.795,"end":1967.9199,"sentiment":"neutral","sentiment_score":-0.04046500880955434}],"sentiment":"neutral","sentiment_score":0.00661048654299707,"num_words":156,"start":1925.655,"end":1967.9199},{"sentences":[{"text":"And the investments that have gone down a little bit, they might be, you know, decreasing the risk or, again, you know, reducing or increasing the risk level depending on what it is that's gone up and down.","start":1968.62,"end":1979.4451,"sentiment":"neutral","sentiment_score":-0.00602750262049468},{"text":"So rebalancing your portfolio, selling off some of the growth that the portfolio has seen, reinvesting it back in the areas where there is a little bit bit of a dip, they'll take advantage of the downside.","start":1979.745,"end":1991.045,"sentiment":"neutral","sentiment_score":0.036386037950177454},{"text":"It also helps to rebalance and make sure you're not taking too much risk in certain areas of your portfolio.","start":1991.88,"end":1997.26,"sentiment":"neutral","sentiment_score":0.05298035973683},{"text":"So are you comfortable with me just reviewing the level you have and maybe rebalancing if we need to as well?","start":1997.4,"end":2002.9401,"sentiment":"neutral","sentiment_score":0.034106120910672916},{"text":"Yes.","start":2004.505,"end":2004.905,"sentiment":"neutral","sentiment_score":0.2926231324672699}],"sentiment":"neutral","sentiment_score":0.027228180947912555,"num_words":117,"start":1968.62,"end":2004.905},{"sentences":[{"text":"Beautiful.","start":2004.905,"end":2005.405,"sentiment":"positive","sentiment_score":0.540338397026062},{"text":"That's okay.","start":2005.545,"end":2006.345,"sentiment":"positive","sentiment_score":0.36392517387866974},{"text":"Do you have any questions about any of that so far at all?","start":2006.345,"end":2009.485,"sentiment":"neutral","sentiment_score":0.1199243412568019},{"text":"Yep.","start":2011.545,"end":2012.045,"sentiment":"positive","sentiment_score":0.3427416980266571},{"text":"That's okay.","start":2012.425,"end":2013.225,"sentiment":"neutral","sentiment_score":0.23925600945949554}],"sentiment":"neutral","sentiment_score":0.19202415252986707,"num_words":19,"start":2004.905,"end":2013.225},{"sentences":[{"text":"Not a problem at all.","start":2013.225,"end":2014.505,"sentiment":"neutral","sentiment_score":0.24502918720245362},{"text":"What I'll do there for you, Jackie, is we'll I'll go back and have a look at everything for you.","start":2014.505,"end":2019.27,"sentiment":"neutral","sentiment_score":0.20733353793621062},{"text":"We'll do up an investment switch document for you as a new statement of advice.","start":2019.43,"end":2023.4501,"sentiment":"neutral","sentiment_score":0.15799416502316793},{"text":"We'll come back and go through that together, and then you can decide whether you take the the recommendations or not.","start":2023.67,"end":2029.27,"sentiment":"neutral","sentiment_score":0.13579706918625606},{"text":"Okay?","start":2029.27,"end":2029.77,"sentiment":"neutral","sentiment_score":0.0480538085103035}],"sentiment":"neutral","sentiment_score":0.17163744244364001,"num_words":62,"start":2013.225,"end":2029.77},{"sentences":[{"text":"Excellent.","start":2031.59,"end":2032.09,"sentiment":"positive","sentiment_score":0.8179224133491516},{"text":"That's okay.","start":2032.8251,"end":2033.4651,"sentiment":"positive","sentiment_score":0.5604240298271179},{"text":"That's not a problem at all, but it's really good to see your portfolio has done well for the year.","start":2033.4651,"end":2037.545,"sentiment":"positive","sentiment_score":0.687468221783638},{"text":"That's fantastic.","start":2037.545,"end":2038.285,"sentiment":"positive","sentiment_score":0.832066684961319},{"text":"Good to see.","start":2038.5851,"end":2039.405,"sentiment":"positive","sentiment_score":0.7162509361902872}],"sentiment":"positive","sentiment_score":0.6964650388274874,"num_words":28,"start":2031.59,"end":2039.405},{"sentences":[{"text":"Yeah.","start":2041.545,"end":2041.9451,"sentiment":"neutral","sentiment_score":0.1424354612827301},{"text":"Not a problem at all.","start":2041.9451,"end":2043.645,"sentiment":"neutral","sentiment_score":0.09879096150398255},{"text":"I got oh, sorry.","start":2044.5851,"end":2045.4651,"sentiment":"neutral","sentiment_score":-0.03356957249343395},{"text":"My earphone just dropped up.","start":2045.4651,"end":2046.925,"sentiment":"neutral","sentiment_score":-0.13826424181461333},{"text":"Okay.","start":2047.38,"end":2047.78,"sentiment":"neutral","sentiment_score":0.010971024632453918}],"sentiment":"neutral","sentiment_score":-0.011139887850731611,"num_words":16,"start":2041.545,"end":2047.78},{"sentences":[{"text":"Having a look here, I've also got your insurances.","start":2047.78,"end":2050.36,"sentiment":"neutral","sentiment_score":0.02341783543427785},{"text":"So I know when Veronica did the last statement of advice for you, we've transferred your cover into Hub twenty four.","start":2050.5,"end":2056.26,"sentiment":"neutral","sentiment_score":0.033682807215622494},{"text":"So to give you a bit of an idea, at the moment, in the event of a life or TBD event, the sum insured you have is about 407,000 and 24 and 64¢.","start":2056.26,"end":2066.7449,"sentiment":"neutral","sentiment_score":0.028425153519492596},{"text":"Are you happy with the level of cover?","start":2067.2048,"end":2068.9648,"sentiment":"neutral","sentiment_score":-0.002815675688907504},{"text":"Did you wanna look at maybe reevaluating the life and TBD that you do have?","start":2068.9648,"end":2073.365,"sentiment":"neutral","sentiment_score":-0.007677155795196692}],"sentiment":"neutral","sentiment_score":0.019882607536719128,"num_words":86,"start":2047.78,"end":2073.365},{"sentences":[{"text":"Or that's okay?","start":2073.365,"end":2076.8,"sentiment":"neutral","sentiment_score":-0.007105444247523944},{"text":"Yeah.","start":2084.54,"end":2085.04,"sentiment":"neutral","sentiment_score":-0.005072759464383125},{"text":"Yeah.","start":2085.34,"end":2085.84,"sentiment":"neutral","sentiment_score":0.04942656308412552},{"text":"Yeah.","start":2086.86,"end":2087.26,"sentiment":"neutral","sentiment_score":0.01647523231804371},{"text":"No.","start":2087.26,"end":2087.5,"sentiment":"neutral","sentiment_score":0.02237788587808609}],"sentiment":"neutral","sentiment_score":0.008841512724757195,"num_words":7,"start":2073.365,"end":2087.5},{"sentences":[{"text":"That's okay.","start":2087.5,"end":2088.22,"sentiment":"neutral","sentiment_score":0.09401629865169525},{"text":"That's not a problem at all.","start":2088.22,"end":2089.995,"sentiment":"neutral","sentiment_score":0.2183635209997495},{"text":"It is good.","start":2090.155,"end":2090.5552,"sentiment":"neutral","sentiment_score":0.2157945434252421},{"text":"You are paying any a small amount for that one.","start":2090.5552,"end":2092.475,"sentiment":"neutral","sentiment_score":0.1488645002245903},{"text":"So for the year, it's about a $181.68 for the insurances.","start":2092.475,"end":2096.895,"sentiment":"neutral","sentiment_score":0.13876634362069043}],"sentiment":"neutral","sentiment_score":0.16127100423909724,"num_words":32,"start":2087.5,"end":2096.895},{"sentences":[{"text":"And it just means that if anything does happen and as much as your mortgage is basically fully offset, your life cover and your is paid out then.","start":2097.2751,"end":2105.82,"sentiment":"neutral","sentiment_score":0.11989298835396767},{"text":"I believe I should have Paul down as your beneficiary, but it means that it's paid out so that he can take some time off to look after the kids to grieve to work out what he needs to do and, you know, look organize childcare and things like that.","start":2105.82,"end":2119.0452,"sentiment":"neutral","sentiment_score":0.07121004126965999},{"text":"So it does give him a bit of a buffer, which is good to see.","start":2119.0452,"end":2121.865,"sentiment":"neutral","sentiment_score":0.26002717117468516},{"text":"I can see here, so you don't have any income protection in the event that you work and stop work completely or not able to go to work due to illness or injury.","start":2123.6052,"end":2131.125,"sentiment":"neutral","sentiment_score":-0.14179632259589253},{"text":"I know you are offsetting the mortgage completely at the moment.","start":2131.125,"end":2134.24,"sentiment":"neutral","sentiment_score":-0.13757173852487045}],"sentiment":"neutral","sentiment_score":0.0337616462450828,"num_words":137,"start":2097.2751,"end":2134.24},{"sentences":[{"text":"But do you feel like Paul's income would be sufficient?","start":2134.86,"end":2137.44,"sentiment":"neutral","sentiment_score":-0.09631238467991352},{"text":"You don't feel you need any, like, income protection at all?","start":2137.5,"end":2140.8,"sentiment":"neutral","sentiment_score":-0.1573215519840067},{"text":"Yep.","start":2143.02,"end":2143.52,"sentiment":"neutral","sentiment_score":0.127325177192688},{"text":"That's okay.","start":2143.895,"end":2144.295,"sentiment":"neutral","sentiment_score":0.19341911375522614},{"text":"That's not a problem at all.","start":2144.295,"end":2146.075,"sentiment":"neutral","sentiment_score":0.27027665575345355}],"sentiment":"neutral","sentiment_score":-0.018594585979978245,"num_words":30,"start":2134.86,"end":2146.075},{"sentences":[{"text":"And I believe Veronica would have sort of talked to you about trauma in the past as well.","start":2146.375,"end":2150.615,"sentiment":"neutral","sentiment_score":0.06021374174290233},{"text":"Do you remember sort of going through what the options are for trauma insurances and how that works?","start":2150.615,"end":2155.415,"sentiment":"neutral","sentiment_score":0.02262100422134002},{"text":"Or did you want me to go through that with you?","start":2155.415,"end":2157.675,"sentiment":"neutral","sentiment_score":0.0038455089723522014},{"text":"Yeah.","start":2161.4,"end":2161.9,"sentiment":"neutral","sentiment_score":0.017416398972272873},{"text":"That's okay?","start":2162.68,"end":2163.42,"sentiment":"neutral","sentiment_score":0.015846247784793377}],"sentiment":"neutral","sentiment_score":0.03164869841188192,"num_words":50,"start":2146.375,"end":2163.42},{"sentences":[{"text":"Yep.","start":2163.96,"end":2164.46,"sentiment":"neutral","sentiment_score":0.1340094655752182},{"text":"Not a problem at all.","start":2164.52,"end":2165.5598,"sentiment":"positive","sentiment_score":0.3494597554206848},{"text":"That's all good.","start":2165.5598,"end":2166.52,"sentiment":"positive","sentiment_score":0.5605325897534689},{"text":"I'll retain the life and TBD there for you.","start":2166.52,"end":2168.68,"sentiment":"positive","sentiment_score":0.45752173993322587},{"text":"No additional insurances to worry about.","start":2168.68,"end":2170.52,"sentiment":"neutral","sentiment_score":0.1862635649740696}],"sentiment":"positive","sentiment_score":0.3665909608826041,"num_words":24,"start":2163.96,"end":2170.52},{"sentences":[{"text":"If anything did come up and you wanted to kinda go through or have more of a conversation around those, just please feel free to let us know.","start":2170.52,"end":2176.925,"sentiment":"neutral","sentiment_score":0.15045248317931378},{"text":"It's not a problem at all.","start":2176.925,"end":2178.5251,"sentiment":"neutral","sentiment_score":0.3095419506231944},{"text":"Okay?","start":2178.5251,"end":2179.0251,"sentiment":"neutral","sentiment_score":0.1770343780517578},{"text":"Fantastic.","start":2180.3652,"end":2180.8652,"sentiment":"positive","sentiment_score":0.7035986185073853},{"text":"Easy done.","start":2181.3252,"end":2182.225,"sentiment":"positive","sentiment_score":0.6669578850269318}],"sentiment":"neutral","sentiment_score":0.21801236840455154,"num_words":38,"start":2170.52,"end":2182.225},{"sentences":[{"text":"So the updated document with regard to the portfolio report and also your updated balance will be in that email coming through shortly to you with regards to the annual review document.","start":2182.8452,"end":2192.53,"sentiment":"neutral","sentiment_score":0.20733872335404158},{"text":"We do also have in there the ongoing service agreement for the for the next twelve months there as well.","start":2193.2302,"end":2198.4302,"sentiment":"neutral","sentiment_score":0.11215778328478336},{"text":"So just to kinda go through, because yourself and Paul are both clients, you do pay an ongoing service fee for our services of 1.1%.","start":2198.4302,"end":2207.0452,"sentiment":"neutral","sentiment_score":0.058974464386701585},{"text":"It is down from the normal 1.65 because you guys are both together as a couple on board.","start":2207.0452,"end":2212.665,"sentiment":"neutral","sentiment_score":0.05461055495672756},{"text":"That is deducted on on a monthly basis in smaller monthly increments there.","start":2213.845,"end":2218.19,"sentiment":"neutral","sentiment_score":0.06470727318754563}],"sentiment":"neutral","sentiment_score":0.11274574966066414,"num_words":108,"start":2182.8452,"end":2218.19},{"sentences":[{"text":"So we will attach the ongoing service agreement for you.","start":2218.19,"end":2221.41,"sentiment":"neutral","sentiment_score":0.14295083954930304},{"text":"If you are happy to, you know, continue with our services, we'll just need to sign and return that back.","start":2221.47,"end":2226.21,"sentiment":"neutral","sentiment_score":0.1811554107815027},{"text":"If at any point you find you're not comfortable, you don't like the service that you're receiving, please let me know.","start":2226.51,"end":2231.315,"sentiment":"neutral","sentiment_score":-0.25021152287012055},{"text":"More than we'd be happy to turn it off and roll you to wherever you'd like to go.","start":2231.315,"end":2234.275,"sentiment":"neutral","sentiment_score":0.10015857894904912},{"text":"We wanna make sure that we are doing the work for you and updating the advice and working towards your goals.","start":2234.275,"end":2239.4949,"sentiment":"neutral","sentiment_score":0.20740559910024917}],"sentiment":"neutral","sentiment_score":0.06618385147820745,"num_words":90,"start":2218.19,"end":2239.4949},{"sentences":[{"text":"And as part of going back and reviewing the portfolio, maybe moving back along and, you know, altering the investments a little bit there, I'll be looking at how this affects you long term.","start":2240.035,"end":2249.95,"sentiment":"neutral","sentiment_score":0.01997013105189099},{"text":"With the advice that I do provide, I know back in the day you were given a document and it showed here you had your the projections right up until essentially retirement at the age of 60 five there.","start":2250.33,"end":2262.345,"sentiment":"neutral","sentiment_score":0.02018763170314905},{"text":"With the documents I do, under best interest, I don't feel because you are still so young and your life can change so heavily over the next ten years, I will show you a projection over what the next ten years is expected to look like based on the updated changes, and then we just wanna keep reviewing it moving forward there.","start":2262.805,"end":2279.4001,"sentiment":"neutral","sentiment_score":0.011488706864897282},{"text":"I just think yeah.","start":2280.02,"end":2281.54,"sentiment":"neutral","sentiment_score":0.08129504788666964},{"text":"Just, you know, just too much that could change in the next sort of thirty odd years.","start":2281.54,"end":2285.435,"sentiment":"neutral","sentiment_score":-0.09402562327244703}],"sentiment":"neutral","sentiment_score":0.005803503293114213,"num_words":156,"start":2240.035,"end":2285.435},{"sentences":[{"text":"Absolutely.","start":2285.495,"end":2285.995,"sentiment":"neutral","sentiment_score":0.1556941270828247},{"text":"So focusing on the shorter term and building towards your goals is definitely working better.","start":2286.855,"end":2291.595,"sentiment":"neutral","sentiment_score":0.22174340585867564},{"text":"But I also don't wanna sort of show you a unrealistic projected amount as well because markets do change, and we know cycles happen every sort of seven to ten years as well.","start":2292.215,"end":2301.8699,"sentiment":"neutral","sentiment_score":-0.05597857007700385},{"text":"So I just wanna let you know that's how I kinda do the advice side of things.","start":2301.8699,"end":2306.27,"sentiment":"neutral","sentiment_score":0.04852542138713248},{"text":"But I'll show you what the advice document looks like, and then you'll be able to come back and let me know what you know, if you have any questions, whether you're happy to take the recommendations.","start":2306.27,"end":2314.3699,"sentiment":"neutral","sentiment_score":0.10375316934408368}],"sentiment":"neutral","sentiment_score":0.06114904691004059,"num_words":103,"start":2285.495,"end":2314.3699},{"sentences":[{"text":"Any recommendations we do make are just recommendations.","start":2315.325,"end":2318.065,"sentiment":"neutral","sentiment_score":0.09926273208111525},{"text":"So you get to decide whether you take all of them, some of them, or none of them at all.","start":2318.285,"end":2322.285,"sentiment":"neutral","sentiment_score":0.034389509726315735},{"text":"Okay?","start":2322.285,"end":2322.785,"sentiment":"neutral","sentiment_score":0.0708424523472786},{"text":"Fantastic.","start":2324.125,"end":2324.625,"sentiment":"positive","sentiment_score":0.7824745178222656},{"text":"Beautiful.","start":2325.165,"end":2325.665,"sentiment":"neutral","sentiment_score":0.1171521246433258}],"sentiment":"neutral","sentiment_score":0.07910842406413247,"num_words":31,"start":2315.325,"end":2325.665},{"sentences":[{"text":"The only other thing to kind of update with you is looking at your will and power of attorneys and things.","start":2327.005,"end":2331.96,"sentiment":"neutral","sentiment_score":0.0024173116488825706},{"text":"Do you guys have a will?","start":2331.96,"end":2333.0798,"sentiment":"neutral","sentiment_score":0.0009056152775883675},{"text":"Have you ever had a will and power of attorneys drawn up or guardianship and things like that?","start":2333.0798,"end":2337.98,"sentiment":"neutral","sentiment_score":0.0018287394325145418},{"text":"You have?","start":2339.72,"end":2340.46,"sentiment":"neutral","sentiment_score":0.0058631603606045255},{"text":"Yep.","start":2342.335,"end":2342.835,"sentiment":"neutral","sentiment_score":0.0539950430393219}],"sentiment":"neutral","sentiment_score":0.0032257481216220185,"num_words":48,"start":2327.005,"end":2342.835},{"sentences":[{"text":"Beautiful.","start":2343.055,"end":2343.555,"sentiment":"positive","sentiment_score":0.3643149137496948},{"text":"Fantastic.","start":2344.655,"end":2345.155,"sentiment":"positive","sentiment_score":0.5858060121536255},{"text":"So all updated, all reflects your circumstances and your wishes correctly?","start":2345.455,"end":2349.635,"sentiment":"positive","sentiment_score":0.33342121135104785},{"text":"Yeah.","start":2351.615,"end":2352.095,"sentiment":"neutral","sentiment_score":0.2740705609321594},{"text":"Beautiful.","start":2352.095,"end":2352.595,"sentiment":"positive","sentiment_score":0.6136451959609985}],"sentiment":"positive","sentiment_score":0.367031333843867,"num_words":15,"start":2343.055,"end":2352.595},{"sentences":[{"text":"Fantastic.","start":2352.815,"end":2353.315,"sentiment":"positive","sentiment_score":0.6241240501403809},{"text":"Good to know.","start":2353.5352,"end":2354.5151,"sentiment":"positive","sentiment_score":0.5365559061368307},{"text":"I'll double check that Paul is down as your beneficiary on all the documents there as well.","start":2354.84,"end":2359.32,"sentiment":"neutral","sentiment_score":0.17650370212162242},{"text":"And Michelle has also let me know that she has organized for your password to be reset to your hub 24 super as well.","start":2359.32,"end":2365.34,"sentiment":"neutral","sentiment_score":0.11071730901797612},{"text":"And you should receive the the password reset should receive the email or the request whilst on the phone now.","start":2365.72,"end":2372.325,"sentiment":"neutral","sentiment_score":0.0791235527023673}],"sentiment":"neutral","sentiment_score":0.14575447961688043,"num_words":65,"start":2352.815,"end":2372.325},{"sentences":[{"text":"So, hopefully, it comes through if it hasn't already.","start":2372.325,"end":2374.6648,"sentiment":"neutral","sentiment_score":0.03663128034936057},{"text":"Okay?","start":2374.805,"end":2375.305,"sentiment":"neutral","sentiment_score":0.03555867820978165},{"text":"All good.","start":2376.565,"end":2377.625,"sentiment":"positive","sentiment_score":0.48767825961112976},{"text":"That's okay.","start":2378.325,"end":2378.9648,"sentiment":"neutral","sentiment_score":0.1809048056602478},{"text":"Now the only other thing to kinda check with you is with regard to the risk profile.","start":2378.9648,"end":2382.9402,"sentiment":"neutral","sentiment_score":-0.041441954014932406}],"sentiment":"neutral","sentiment_score":0.03219010044009455,"num_words":31,"start":2372.325,"end":2382.9402},{"sentences":[{"text":"So, look, you have had a really great return for the year.","start":2382.9402,"end":2385.84,"sentiment":"neutral","sentiment_score":0.24917859956622124},{"text":"With your portfolio at the moment, you are in a high growth portfolio, so it does generally see about 90% of your super invested in growth assets.","start":2386.22,"end":2393.76,"sentiment":"neutral","sentiment_score":0.03231690603273886},{"text":"So looking at things like Australian shares, international shares, listed property, and commodities like gold and silver there, this sort of a portfolio does suit someone who's not gonna access a super in the next, you know, eight to ten years, essentially.","start":2394.025,"end":2407.725,"sentiment":"neutral","sentiment_score":-0.022898861495334478},{"text":"You do have a bit of time on your side.","start":2408.4,"end":2410.3198,"sentiment":"neutral","sentiment_score":-0.041901569440960885},{"text":"You're wanting to get those greater upside benefits when the markets are performing, but you're also aware in the shorter term when the markets have a bit of a downtime that that downtime can be magnified a little bit as well.","start":2410.3198,"end":2421.5999,"sentiment":"neutral","sentiment_score":-0.08434857055544853}],"sentiment":"neutral","sentiment_score":-0.007396663729609413,"num_words":132,"start":2382.9402,"end":2421.5999},{"sentences":[{"text":"So we do expect short term volatility and ups and downs.","start":2421.5999,"end":2424.845,"sentiment":"neutral","sentiment_score":-0.07470682720569047},{"text":"Did you wanna reevaluate that that risk profile, or are you comfortable staying in that sort of environment for a little bit longer?","start":2425.305,"end":2432.445,"sentiment":"neutral","sentiment_score":-0.08591219329315683},{"text":"Yep.","start":2435.305,"end":2435.805,"sentiment":"neutral","sentiment_score":0.1092650145292282},{"text":"Yep.","start":2436.185,"end":2436.685,"sentiment":"neutral","sentiment_score":0.03731424733996391},{"text":"Yeah.","start":2442.44,"end":2442.94,"sentiment":"neutral","sentiment_score":0.03142918646335602}],"sentiment":"neutral","sentiment_score":-0.07080397558574741,"num_words":37,"start":2421.5999,"end":2442.94},{"sentences":[{"text":"No.","start":2449.16,"end":2449.48,"sentiment":"neutral","sentiment_score":-0.14668899774551392},{"text":"It's fine.","start":2449.48,"end":2450.3,"sentiment":"neutral","sentiment_score":-0.023830333724617958},{"text":"Yeah.","start":2451.8,"end":2452.3,"sentiment":"neutral","sentiment_score":0.014004016295075417},{"text":"Absolutely.","start":2461.515,"end":2462.015,"sentiment":"neutral","sentiment_score":0.13545145094394684},{"text":"Yeah.","start":2462.875,"end":2463.375,"sentiment":"neutral","sentiment_score":0.13184642791748047}],"sentiment":"neutral","sentiment_score":0.014492038326958815,"num_words":6,"start":2449.16,"end":2463.375},{"sentences":[{"text":"Yeah.","start":2465.195,"end":2465.675,"sentiment":"positive","sentiment_score":0.45226582884788513},{"text":"Fantastic.","start":2465.675,"end":2466.175,"sentiment":"positive","sentiment_score":0.6994777321815491},{"text":"Not a problem at all.","start":2466.555,"end":2467.855,"sentiment":"positive","sentiment_score":0.4449879705905914},{"text":"Well, I'll organize and make sure you're in that high growth environment.","start":2467.9949,"end":2470.87,"sentiment":"neutral","sentiment_score":0.28516856332619983},{"text":"I'll reevaluate it at this level.","start":2471.01,"end":2472.37,"sentiment":"neutral","sentiment_score":0.2469261959195137}],"sentiment":"neutral","sentiment_score":0.33121053397655487,"num_words":25,"start":2465.195,"end":2472.37},{"sentences":[{"text":"You are taking a look at the diversification aspect there for you and the investments and see if we need to rebalance anything for you.","start":2472.37,"end":2478.47,"sentiment":"neutral","sentiment_score":0.23361930429935454},{"text":"When I do look into the research, I also take into account the the capital gains consequences because your super fund, just like you, it does a tax return every year.","start":2478.9302,"end":2487.675,"sentiment":"neutral","sentiment_score":0.08011293194947704},{"text":"So when we do switch investments, your super fund does pay taxes for that.","start":2487.675,"end":2491.835,"sentiment":"neutral","sentiment_score":0.05496498689587627},{"text":"So I will show you the consequences of the recommendations I make, and I try to minimize those tax consequences as much as possible whilst making sure that we can rebalance and check your portfolio and see what's going on with it as well.","start":2491.835,"end":2505.8398,"sentiment":"neutral","sentiment_score":0.15653653561391614},{"text":"Okay?","start":2505.8398,"end":2506.3398,"sentiment":"neutral","sentiment_score":0.05674939602613449}],"sentiment":"neutral","sentiment_score":0.13945956763042056,"num_words":115,"start":2472.37,"end":2506.3398},{"sentences":[{"text":"Beautiful.","start":2507.44,"end":2507.94,"sentiment":"positive","sentiment_score":0.5959302186965942},{"text":"Now catch up wise, Zach, Did you want us to do a bit more of a catch up with you sort of once every three or six months?","start":2509.1199,"end":2514.605,"sentiment":"neutral","sentiment_score":0.045712568531078954},{"text":"Or are you happy just with an annual review once every twelve months?","start":2514.605,"end":2517.325,"sentiment":"neutral","sentiment_score":0.05813069670246197},{"text":"What would you like to see a bit more down the track?","start":2517.325,"end":2519.585,"sentiment":"neutral","sentiment_score":0.03387329292794069},{"text":"Yeah.","start":2525.02,"end":2525.52,"sentiment":"neutral","sentiment_score":0.044322747737169266}],"sentiment":"neutral","sentiment_score":0.056043335592204875,"num_words":55,"start":2507.44,"end":2525.52},{"sentences":[{"text":"Six months.","start":2529.74,"end":2530.64,"sentiment":"neutral","sentiment_score":0.018525809049606323},{"text":"Yep.","start":2530.94,"end":2531.44,"sentiment":"neutral","sentiment_score":0.03635699301958084},{"text":"Yeah.","start":2535.345,"end":2535.845,"sentiment":"neutral","sentiment_score":0.005837615579366684},{"text":"Yep.","start":2539.825,"end":2540.325,"sentiment":"neutral","sentiment_score":0.04162021353840828},{"text":"Yep.","start":2545.585,"end":2546.085,"sentiment":"neutral","sentiment_score":0.02337123081088066}],"sentiment":"neutral","sentiment_score":0.02403961184124152,"num_words":6,"start":2529.74,"end":2546.085},{"sentences":[{"text":"Yes.","start":2551.82,"end":2552.32,"sentiment":"neutral","sentiment_score":0.07478451728820801},{"text":"Yeah.","start":2552.3801,"end":2552.8801,"sentiment":"neutral","sentiment_score":0.0011919729877263308},{"text":"Yeah.","start":2564.6948,"end":2565.1948,"sentiment":"neutral","sentiment_score":0.011170713230967522},{"text":"Yeah.","start":2571.575,"end":2571.9749,"sentiment":"neutral","sentiment_score":0.01014048047363758},{"text":"Absolutely.","start":2571.9749,"end":2572.4749,"sentiment":"neutral","sentiment_score":0.02308502048254013}],"sentiment":"neutral","sentiment_score":0.024074540892615914,"num_words":5,"start":2551.82,"end":2572.4749},{"sentences":[{"text":"Yeah.","start":2585.1,"end":2585.6,"sentiment":"neutral","sentiment_score":0.028072452172636982},{"text":"No.","start":2585.82,"end":2586.1401,"sentiment":"neutral","sentiment_score":0.08129546046257019},{"text":"That's absolutely fine.","start":2586.1401,"end":2587.4202,"sentiment":"neutral","sentiment_score":0.23130652805169424},{"text":"That's not a problem.","start":2587.4202,"end":2588.3801,"sentiment":"positive","sentiment_score":0.33885449916124344},{"text":"And, look, you're not limited to six months.","start":2588.3801,"end":2590.3,"sentiment":"neutral","sentiment_score":0.19876767694950104}],"sentiment":"neutral","sentiment_score":0.22052040641360424,"num_words":17,"start":2585.1,"end":2590.3},{"sentences":[{"text":"So if you decide, you know, down the track you wanted just an ad hoc conversation or had some questions randomly, feel free to let us know.","start":2590.3,"end":2596.955,"sentiment":"neutral","sentiment_score":0.19751684809172596},{"text":"My team will definitely book you in.","start":2597.095,"end":2598.695,"sentiment":"positive","sentiment_score":0.39529537728854586},{"text":"There's you know, you don't have to stick to six months.","start":2598.695,"end":2600.5352,"sentiment":"neutral","sentiment_score":0.1939821561629122},{"text":"If you go, you know, one month, you just want an extra chat, let me know.","start":2600.5352,"end":2604.07,"sentiment":"neutral","sentiment_score":0.1686878725886345},{"text":"That's what I'm here for, so there's no problem at all.","start":2604.07,"end":2606.71,"sentiment":"neutral","sentiment_score":0.16209937767548996}],"sentiment":"neutral","sentiment_score":0.20438785240468052,"num_words":72,"start":2590.3,"end":2606.71},{"sentences":[{"text":"Okay?","start":2606.71,"end":2607.21,"sentiment":"neutral","sentiment_score":0.1347450613975525},{"text":"Perfect.","start":2608.71,"end":2609.21,"sentiment":"positive","sentiment_score":0.7672891616821289},{"text":"All good.","start":2609.75,"end":2610.31,"sentiment":"positive","sentiment_score":0.4940352141857147},{"text":"Not an issue at all.","start":2610.31,"end":2611.8499,"sentiment":"neutral","sentiment_score":0.13454198762774466},{"text":"Is there anything else that you maybe wanted to ask or anything else you maybe wanted me to touch on with regards to the review?","start":2612.15,"end":2614.63,"sentiment":"neutral","sentiment_score":0.06974593505263328}],"sentiment":"neutral","sentiment_score":0.1266606754678137,"num_words":34,"start":2606.71,"end":2614.63},{"sentences":[{"text":"Or any other questions that you might have?","start":2614.63,"end":2620.985,"sentiment":"neutral","sentiment_score":0.05290402518585324},{"text":"No.","start":2623.445,"end":2623.945,"sentiment":"neutral","sentiment_score":-0.02464544028043747},{"text":"Yeah.","start":2625.5251,"end":2626.0251,"sentiment":"neutral","sentiment_score":0.10777467489242554},{"text":"Absolutely.","start":2627.845,"end":2628.345,"sentiment":"neutral","sentiment_score":0.1399385631084442},{"text":"Yeah.","start":2637.18,"end":2637.26,"sentiment":"neutral","sentiment_score":0.08356428146362305}],"sentiment":"neutral","sentiment_score":0.06082202338924011,"num_words":12,"start":2614.63,"end":2637.26},{"sentences":[{"text":"Oh, thank you.","start":2637.26,"end":2638.24,"sentiment":"neutral","sentiment_score":0.12964272499084473},{"text":"Yeah.","start":2641.74,"end":2642.24,"sentiment":"neutral","sentiment_score":0.020628780126571655},{"text":"Absolutely.","start":2644.5852,"end":2645.0852,"sentiment":"neutral","sentiment_score":0.15561561286449432},{"text":"No problem.","start":2648.745,"end":2649.405,"sentiment":"neutral","sentiment_score":0.154889315366745},{"text":"Yeah.","start":2651.3052,"end":2651.8052,"sentiment":"neutral","sentiment_score":0.06931601464748383}],"sentiment":"neutral","sentiment_score":0.11803340166807175,"num_words":8,"start":2637.26,"end":2651.8052},{"sentences":[{"text":"Not an issue at all.","start":2652.185,"end":2654.0452,"sentiment":"neutral","sentiment_score":0.015101031586527824},{"text":"Absolutely.","start":2654.105,"end":2654.605,"sentiment":"neutral","sentiment_score":0.201893150806427},{"text":"Fantastic.","start":2655.145,"end":2655.645,"sentiment":"positive","sentiment_score":0.47330376505851746},{"text":"No worries.","start":2656.185,"end":2657.0051,"sentiment":"neutral","sentiment_score":0.24957378208637238},{"text":"Well, I will get cracking on that research for you.","start":2657.46,"end":2659.46,"sentiment":"neutral","sentiment_score":0.2568246327340603}],"sentiment":"neutral","sentiment_score":0.2009524192268911,"num_words":19,"start":2652.185,"end":2659.46},{"sentences":[{"text":"The annual review docs will come through to you shortly.","start":2659.46,"end":2661.38,"sentiment":"neutral","sentiment_score":0.16477371901273727},{"text":"If you do happen to have any questions, please do let me know.","start":2661.38,"end":2664.1199,"sentiment":"neutral","sentiment_score":0.1149452431843831},{"text":"I also do get Michelle to add in there the financial services guide, which outlines everything about who I am, my license number, and the information on us as well.","start":2664.42,"end":2671.6199,"sentiment":"neutral","sentiment_score":0.13292630190650623},{"text":"So if you wanted to look me up or, you know, get the information or have a look at who what I look like, that's all in there for you as well.","start":2671.6199,"end":2678.495,"sentiment":"neutral","sentiment_score":0.049115830624941736},{"text":"Okay?","start":2678.5552,"end":2679.0552,"sentiment":"neutral","sentiment_score":0.06391119211912155}],"sentiment":"neutral","sentiment_score":0.10192363000973019,"num_words":86,"start":2659.46,"end":2679.0552},{"sentences":[{"text":"Beautiful.","start":2679.8352,"end":2680.3352,"sentiment":"positive","sentiment_score":0.8150358200073242},{"text":"No worries.","start":2681.2751,"end":2681.8352,"sentiment":"neutral","sentiment_score":0.08361523225903511},{"text":"I'll let you go.","start":2681.8352,"end":2682.895,"sentiment":"neutral","sentiment_score":0.221284169703722},{"text":"Easy.","start":2683.7551,"end":2684.2551,"sentiment":"positive","sentiment_score":0.6039828062057495},{"text":"Easy.","start":2684.635,"end":2684.955,"sentiment":"positive","sentiment_score":0.6020444631576538}],"sentiment":"positive","sentiment_score":0.3414922480781873,"num_words":9,"start":2679.8352,"end":2684.955},{"sentences":[{"text":"I hope the kids are all okay and feel better soon.","start":2684.955,"end":2687.8552,"sentiment":"positive","sentiment_score":0.6631494652141224},{"text":"Oh, all good.","start":2688.21,"end":2697.57,"sentiment":"positive","sentiment_score":0.35204774141311646},{"text":"Well, thank you so much for your time.","start":2697.57,"end":2699.33,"sentiment":"positive","sentiment_score":0.7621752619743347},{"text":"I hope you have a lovely afternoon.","start":2699.33,"end":2701.19,"sentiment":"positive","sentiment_score":0.7636921746390206},{"text":"Thanks, Jackie.","start":2703.659,"end":2704.459,"sentiment":"positive","sentiment_score":0.5932521820068359}],"sentiment":"positive","sentiment_score":0.676791581415361,"num_words":31,"start":2684.955,"end":2704.459},{"sentences":[{"text":"I'll talk to you soon.","start":2704.459,"end":2705.419,"sentiment":"positive","sentiment_score":0.4072093844413757},{"text":"Thank you.","start":2705.419,"end":2706.159,"sentiment":"positive","sentiment_score":0.5675578713417053},{"text":"Bye.","start":2707.179,"end":2707.679,"sentiment":"neutral","sentiment_score":-0.10854063928127287}],"sentiment":"positive","sentiment_score":0.38282775320112705,"num_words":8,"start":2704.459,"end":2707.679}]}}]},{"alternatives":[{"transcript":"Hello. Jessica speaking. Good. How are you? Yeah. That's fine. I just got both kids at home, I think, so that's okay. Yep. Yep. That's great. Thank you. Sorry. Ah, there you go. Oh, wow. Oh, no way. Oh my gosh. Yes. Of course. You're right. Wow. Yep. Mhmm. Yep. Okay. Yep. Sounds great. Thank you. Yes. That's fine. Yep. So it's Jackie Monningen, '91 in eighteen James O'Donnell Drive, Bowensvale. Pleasure. Not particularly. Still working part time, but I guess I'm sort of between I'm I'm generally three days a week, but sometimes I'll only work with two. So you could say two and a half, but I would just keep me down as three because, generally, I pick up the third day regardless. So I have probably stepped down responsibility wise. So because I was acting up last year, so that's probably, I guess, a little bit less of income on my part, but it's not, you know, not significant. So Yep. Oh, that would be, yeah, that would be probably the same if yeah. I would say that was probably a bit under for last year, if anything. But that's alright. Yeah. That's right. Bless you. Yes. Yes. It's in. Yeah. Look. We've got heaps. We're I think we're we're in limbo at the moment as to what to do. We we either thought about leasing I was just going through my husband, Paul, his work and leasing a car. But we just thought, you know, we're in the position that we could buy it outright. However, if we were then to because we've been looking at properties and things like that, We wanted to have, you know, I guess, that sort of chunk of money sitting there as well in case something came up that we, you know, loved. We've been looking for years as, you know, for the right thing and the right one. I mean, I don't know if that's ever gonna happen really because I think it wouldn't be an investment. It would be for us to move. But for us to move from the home that we're in would be very hard at the same time because we built it and it's, you know, beautiful and yeah. It's ours. Yeah. So it's tricky. But we I guess I'm probably more so the one to push for it to to potentially move just closer to my family and where my kids go to school and I work as well. We've also one of our major roads, there's been a bridge that's collapsed. So we've got quite a significant detour now, and it's a it's a, like, a dangerous kind of road. So, yeah, we've sort of been looking at moving, so there could be quite a large expense that, you know, that we could be looking forward to. But whether we were to purchase land and build again, that would be that would be our preference because they're very picky. And and the thought of renovating or the thought of getting, you know, moving to a house from the house that we are in, and it's pretty much perfect the way that it is. Yeah. It's hard to then go to somebody else's or that you know, go to a house that somebody else has dreamed of and, you know, it's it's not to where I would want it or my husband would want it. So, you know, we're very but, I mean, when you're spending that kind of money and you're investing for oh, you know, in yourselves and and your family for that sort of yeah. It's a it's a big big decision. But yeah. So land and building would be a preference. We've looked at tiny homes as well. My family has an acreage where they are and possibly investing in something like that, living in the tiny home. But then if we were to find something, we would then, you know, have that as a secure place to live whilst we build. And then that would the tiny home would stay within my parents, and we would turn that into, like, an Airbnb. So there's lots of things, you know, up in the air, but they're grand plans whether they will actually ever eventuate. Yeah. So I think we would possibly sell that. Yeah. So the land that we're we're looking we have there is something that, you know, we've we've sort of been negotiating with a realtor at the moment and people. The land that we were looking at is it could be subdivided. So we would you know, if we were to go ahead with the purchase, we would most likely oh, sorry. If we were to build, we would most likely have to sell our house. Yeah. But we have places that we would be able to live in interim, which is which is good. You know? We're fortunate in that regard. But it's just the property that we've been looking at. It's it's a funny one. Like, it's over a couple of different it's a deceased sort of a state, but, you know, the the family has it all in different I think there's a couple of different titles, and it's all a little bit messy. So, yeah, we've put in an offer and then yeah. It's probably, like, you know, very much labeled it, but yeah. We'll see what comes back from it because, I mean, now we we know that if somebody else puts in an offer then, you know, you can go back and forth. But yeah. So that's sort of our things that are on the cards at the moment. But whether that actually eventuates, I don't know. It'll be with the the owner as well because the land is over so there's blocks of land that they have available. But on it, it goes into sort of, like, an l shape, and it's over two different okay. Both of them have, like, a house number attached to it. I can't think of the word. So the one part of the l, which we wouldn't, you know, want, and it has been subdivided within the the plans. We've said, you know, we would like to purchase a land. So we put an offer on that lot that it's under because they're in all different lots. And, yeah, the owner, fair enough, they wanna sell it all all in one, but, yeah, that's not something. I mean, it's a ridiculous amount of money that they want for it, so we said no. And and the house that's on it, it's just it's it's all run down and, yeah, it's pretty crappy in that. But yeah. So, I mean yeah, it it has a lot of potential, but just I think it'll just be how far we can go with it or how far the owner will go. It's been on the market for a long time, so I'm hoping that something might come from it. Yeah. That's it. Yes. I mean, with the way that our climate is in Australia at the moment, it yeah. Not that I wanna wish hardship on anyone, but or make, you know, you know, but maybe maybe, yeah, some pressure financially. You know? Yeah. That's it. Yes. Yep. Yes. Yep. Yes. Mhmm. Yep. Yep. Yep. Okay. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. I know. Yeah. Yes. Yep. Yes. Yes. Yeah. Yeah. Yeah. I don't think we would be able to rent it out to them if it's too like, it needs to go to someone that would really love it and appreciate it. So yeah. Yeah. Yeah. That's it. Yes. Yeah. That's good to know. Thank you. Mhmm. Yep. Yeah. That's it. Yeah. Yes. Mhmm. I mean, potentially, we've got a couple in our area that had, it was probably the high twos, if not threes. It was very similar to our house. It's down the road from us. So, I mean, it could be we haven't had it revalued for a little while, which is something that we're actually just doing some work out the front just to our entryway. So I think once that is done, we might potentially get a couple of the real estate in to sort of just value and see where we're sitting as well. That will also help us with a sort of where to next. Yeah. So maybe keep it at, you know, either 1.2 or even just high 1.2. That would be our I mean, yeah, that's the dream. But if it's not, then that's also it is what it is. Yeah. The market isn't amazing. So yeah. Yeah. Yeah. I mean, we would technically, we own it because, like, we still have the loan against it, but because we offset the loan and we just pay the minimum, you know, just so that we can have a loan available to us for if we need to draw or, you know, anything like that. So we have that. I would say that yeah. I mean, it has yes. It's technically if we wanted to pay it off tomorrow, we could, if that makes sense. Yeah. But in yes. Yes. That's right. I mean, I think what do we got? I think it's yeah. We don't have much I think we put, like, 2,000 left on it to pay. So yeah. So we still got the loan open, and we just paid very minimally so that it stays open. And if for whatever reason or, you know, something happens and I mean, I hope I wouldn't need to use that sort of large amount of money, It's there to withdraw if we if we need to. So Mhmm. Yep. Oh, yeah. So that that car is the Ford Ranger, and that's probably my primary car as well. Yeah. I think so or maybe even 60. I don't think they've lost a whole lot of value recently, so that's good. It's just a little Mazda three. It's, I think, my it's my first car. It's my little running back car. You still got it. Oh, it's a it's fabulous, actually. It's just it's perfect for Paul to go to work in and, yeah, just to run around in. Yeah. Sounds good. Yeah. Yeah. It's yeah. It's worth more to us than it would be to anybody else. So yes. We do. Yep. Yes. We do. I, oh, I don't know, actually. I should know this, but I think it's on my husband's, like, account, his side of things. Oh, damn. I should've found this out, sorry, before I spoke to him. Because we swapped it over not too long ago. I can ask him, I mean and I can get back to you if you'd like. Yes. I think oh, I can't I think it is something like a 150 to 200,000. So yeah. Thank you. No. Not really. My husband, he had, you know, a whole thing of tools that I wouldn't know what it's worth. And then he he currently keeps it off-site. So like, off sorry. Off from where we are, you know, from our house. It's that's his work, but I wouldn't know how much that is worth. I'm sorry. Yeah. Yes. So my husband's being so clever. He and look. And we share everything. So he he opened up a a long term deposit sort of account so that we could gather more interest and yada yada. He has put it in his name, which was not a good idea because, as you know, he is a high income owner. So I said, why don't we put it in my name? Currently currently, I can't see how much we've got in that account anymore. And I said and look. I said, Jeremy, you know, we had a bit of a joke about him running away, but he's he's not. We I said, yeah. I'm not running away, but if you can put it into my account even now, you know, we went into that tax not too long ago. And she goes, yes, Paul. Please put it into Tacky's name because that will yeah. Yeah. It's just negating what, you know, you really wanna achieve there. So so, yes, we yeah. We would have about that. If not, possibly more. Because I haven't checked on that account. Yeah. Which is yeah. I know. It's quite silly. But, anyways, not to worry. Yes. We've got the this week, it's got a Mastercard. $10,000. Yes. But, I mean, we fully pay it off every month. We I know this sounds ridiculous, but we because we just we use the credit card for everything, but we know that it just comes out every month, and we just know, you know, what to spend and whatever. So that is generally a lot, you know, or depending on what part of the month we're in, you know, because we just generally live off that and pay it off each month. There could be, you know, 3,000 lead owing on it, but then other days, it might be, like, 6,000 or whatever it is sort of thing. So at the moment, it's currently sitting at $6,419. But but, I mean yeah. So it's I understand, you know, debt wise, but, yeah, that's available for us to pay it off when we need to. Or it comes out every month. Yeah. Yeah. That's right. It just auto automatically does it. I mean, we check on it all the time anyway, but, yes. It's it's more so for a point thing, to be honest. You know? Yes. Thanks. Mhmm. Yep. Mhmm. Yes, please. Yep. Oh, it's probably Paul's a much better contributor to Super than I am. That's yeah. So that would be, yeah, a little bit of on Paul as well. Yeah. Yeah. Yeah. Mhmm. Yeah. I'd rather hold off until I was back at least four days a week something, which I don't endeavor sort of doing until my youngest is five or when, you know, she starts school. And even then, I don't even know if I'll go back full time, to be honest. And that sounds terrible, but yeah, maybe one said that, you know, that a little bit even older and, you know, you're not attending school based events all that much. Potentially, I go back full time, but, yeah, I'm very happy just working part time. Yeah. Yes. Yep. Mhmm. Yep. That's fabulous. Thank you. Yep. Yes. Yes. Yes. Yep. Yep. Mhmm. Mhmm. Of course. Yeah. Mhmm. Yep. Mhmm. Yep. Yes. Yeah. Okay. Mhmm. Yep. Mhmm. Yep. Okay. Yep. Yeah. Okay. Yep. Mhmm. Mhmm. Okay. Yep. Yep. Yeah. That'd be great. Thank you. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. It's tricky because things are so up in the air at the moment, aren't they? Yeah. Mhmm. Yes. Yeah. Mhmm. Yep. Mhmm. Yeah. My brain when you were talking about it before I went like, it would it was sort of going towards that anyway. I'm maybe not to me just wanting to save that. But, yeah, I'm happy to possibly look at the passive option if that's okay. Yeah. Mhmm. Yep. Yes. Yes. Yes. That's fine. Thank you. No. You've explained it very well. Thank you. Yep. Mhmm. Okay. Yep. That's wonderful. Thank you. Yeah. That was good. Thank you. Yep. Yep. Yep. No. I think that's fine. Look. I honestly, if I was to, yeah, if I was to leave the world, I know that my husband would be I mean, he would be distraught, but he would be okay. You know, financially, he would be okay. So yeah. Yes. Yes. Yes. Mhmm. No. I'm okay. Yeah. Thank you. Oh, yes. I do remember going through that. Yeah. I'm okay currently at the moment. Yeah. Thank you. Yep. Okay. Great. Thank you. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Yeah. Mhmm. Yes. Yep. That's fine. Yep. It's getting a little really switched off. Yeah. Mhmm. Yep. Yes. Yes. Okay. That's great. Thank you. Yes. We have. Yeah. When we when we had the kids in that, we made sure that was all done. Yep. Yes. I do. Yep. Yep. Okay. Oh, okay. Yep. Okay. Yep. Terrific. Thank you. Mhmm. Yep. Yep. Mhmm. Yep. Yes. Yeah. I'm comfortable staying in that for now. As I said, got a little while ago. I know that's that's, you know, not maybe the greatest response by saying that you've got time, but, you know, taking risk and everything in into into account, I think, thankfully, I do have time on my side. But, yeah, I think leaving it there is we're happy with that. Yeah. Thank you. Yes. Yeah. Yes. Mhmm. Okay. Yep. That's great. Thank you. I mean, I know we would we'll talk again soon anyway. Yeah. Half yearly is fine. Six months, like, that's fine. Yeah. Unless unless sort of circumstances were to change for us, and potentially, we did need some advice on moving forward if we were to buy or, you know, move or change some or just in large life decisions, then maybe I would have to we would we might change that just to talk to you about even, you know, things like, you know, talking to a broker or and, yeah, possibly even looking more so in in tax and saving where we can there. But, yeah, there there are conversations that, yeah, can come later, but they they're in they're in a, you know, in a in my brain somewhere. They're just not ready right now. Yep. Yep. Uh-huh. Yep. That's great. Thank you. No. No. I think I think that's that's great. I appreciate you looking at, yeah, my portfolio and I mean, looking at everything, but also going through yeah. But it's I I know how comprehensive it is, and then it's amazing, the stuff that you guys do. So thank you. But, yeah, I know that I know we'll we'll talk again soon anyway about that massive investment anyway. So and thank you for, yeah, looking at that and rebalancing my portfolio. So that'll be great. Yeah. No. I think that's good. Yeah. Thank you. Mhmm. Yes. Okay. Oh, wonderful. Great. Thank you. Yep. I'll I'll sign that and then okay. Great. Thank you. Thank you. Yes. I popped a movie on. I I saw you calling. I was like, okay. Movies, snacks, don't go. Thank you. Yes. You too, Diana. Thank you. Okay. 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Jessica speaking. Good. How are you? Yeah.\n\nThat's fine. I just got both kids at home, I think, so that's okay. Yep. Yep. That's great.\n\nThank you. Sorry. Ah, there you go. Oh, wow. Oh, no way.\n\nOh my gosh. Yes. Of course. You're right. Wow.\n\nYep. Mhmm. Yep. Okay. Yep.\n\nSounds great. Thank you. Yes. That's fine. Yep.\n\nSo it's Jackie Monningen, '91 in eighteen James O'Donnell Drive, Bowensvale. Pleasure. Not particularly. Still working part time, but I guess I'm sort of between I'm I'm generally three days a week, but sometimes I'll only work with two. So you could say two and a half, but I would just keep me down as three because, generally, I pick up the third day regardless.\n\nSo I have probably stepped down responsibility wise. So because I was acting up last year, so that's probably, I guess, a little bit less of income on my part, but it's not, you know, not significant. So Yep. Oh, that would be, yeah, that would be probably the same if yeah. I would say that was probably a bit under for last year, if anything.\n\nBut that's alright. Yeah. That's right. Bless you. Yes.\n\nYes. It's in. Yeah. Look. We've got heaps.\n\nWe're I think we're we're in limbo at the moment as to what to do. We we either thought about leasing I was just going through my husband, Paul, his work and leasing a car. But we just thought, you know, we're in the position that we could buy it outright. However, if we were then to because we've been looking at properties and things like that, We wanted to have, you know, I guess, that sort of chunk of money sitting there as well in case something came up that we, you know, loved. We've been looking for years as, you know, for the right thing and the right one.\n\nI mean, I don't know if that's ever gonna happen really because I think it wouldn't be an investment. It would be for us to move. But for us to move from the home that we're in would be very hard at the same time because we built it and it's, you know, beautiful and yeah. It's ours. Yeah.\n\nSo it's tricky. But we I guess I'm probably more so the one to push for it to to potentially move just closer to my family and where my kids go to school and I work as well. We've also one of our major roads, there's been a bridge that's collapsed. So we've got quite a significant detour now, and it's a it's a, like, a dangerous kind of road. So, yeah, we've sort of been looking at moving, so there could be quite a large expense that, you know, that we could be looking forward to.\n\nBut whether we were to purchase land and build again, that would be that would be our preference because they're very picky. And and the thought of renovating or the thought of getting, you know, moving to a house from the house that we are in, and it's pretty much perfect the way that it is. Yeah. It's hard to then go to somebody else's or that you know, go to a house that somebody else has dreamed of and, you know, it's it's not to where I would want it or my husband would want it. So, you know, we're very but, I mean, when you're spending that kind of money and you're investing for oh, you know, in yourselves and and your family for that sort of yeah.\n\nIt's a it's a big big decision. But yeah. So land and building would be a preference. We've looked at tiny homes as well. My family has an acreage where they are and possibly investing in something like that, living in the tiny home.\n\nBut then if we were to find something, we would then, you know, have that as a secure place to live whilst we build. And then that would the tiny home would stay within my parents, and we would turn that into, like, an Airbnb. So there's lots of things, you know, up in the air, but they're grand plans whether they will actually ever eventuate. Yeah. So I think we would possibly sell that.\n\nYeah. So the land that we're we're looking we have there is something that, you know, we've we've sort of been negotiating with a realtor at the moment and people. The land that we were looking at is it could be subdivided. So we would you know, if we were to go ahead with the purchase, we would most likely oh, sorry. If we were to build, we would most likely have to sell our house.\n\nYeah. But we have places that we would be able to live in interim, which is which is good. You know? We're fortunate in that regard. But it's just the property that we've been looking at.\n\nIt's it's a funny one. Like, it's over a couple of different it's a deceased sort of a state, but, you know, the the family has it all in different I think there's a couple of different titles, and it's all a little bit messy. So, yeah, we've put in an offer and then yeah. It's probably, like, you know, very much labeled it, but yeah. We'll see what comes back from it because, I mean, now we we know that if somebody else puts in an offer then, you know, you can go back and forth.\n\nBut yeah. So that's sort of our things that are on the cards at the moment. But whether that actually eventuates, I don't know. It'll be with the the owner as well because the land is over so there's blocks of land that they have available. But on it, it goes into sort of, like, an l shape, and it's over two different okay.\n\nBoth of them have, like, a house number attached to it. I can't think of the word. So the one part of the l, which we wouldn't, you know, want, and it has been subdivided within the the plans. We've said, you know, we would like to purchase a land. So we put an offer on that lot that it's under because they're in all different lots.\n\nAnd, yeah, the owner, fair enough, they wanna sell it all all in one, but, yeah, that's not something. I mean, it's a ridiculous amount of money that they want for it, so we said no. And and the house that's on it, it's just it's it's all run down and, yeah, it's pretty crappy in that. But yeah. So, I mean yeah, it it has a lot of potential, but just I think it'll just be how far we can go with it or how far the owner will go.\n\nIt's been on the market for a long time, so I'm hoping that something might come from it. Yeah. That's it. Yes. I mean, with the way that our climate is in Australia at the moment, it yeah.\n\nNot that I wanna wish hardship on anyone, but or make, you know, you know, but maybe maybe, yeah, some pressure financially. You know? Yeah. That's it. Yes.\n\nYep. Yes. Yep. Yes. Mhmm.\n\nYep. Yep. Yep. Okay. Yeah.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I know. Yeah. Yes.\n\nYep. Yes. Yes. Yeah. Yeah.\n\nYeah. I don't think we would be able to rent it out to them if it's too like, it needs to go to someone that would really love it and appreciate it. So yeah. Yeah. Yeah.\n\nThat's it. Yes. Yeah. That's good to know. Thank you.\n\nMhmm. Yep. Yeah. That's it. Yeah.\n\nYes. Mhmm. I mean, potentially, we've got a couple in our area that had, it was probably the high twos, if not threes. It was very similar to our house. It's down the road from us.\n\nSo, I mean, it could be we haven't had it revalued for a little while, which is something that we're actually just doing some work out the front just to our entryway. So I think once that is done, we might potentially get a couple of the real estate in to sort of just value and see where we're sitting as well. That will also help us with a sort of where to next. Yeah. So maybe keep it at, you know, either 1.2 or even just high 1.2.\n\nThat would be our I mean, yeah, that's the dream. But if it's not, then that's also it is what it is. Yeah. The market isn't amazing. So yeah.\n\nYeah. Yeah. I mean, we would technically, we own it because, like, we still have the loan against it, but because we offset the loan and we just pay the minimum, you know, just so that we can have a loan available to us for if we need to draw or, you know, anything like that. So we have that. I would say that yeah.\n\nI mean, it has yes. It's technically if we wanted to pay it off tomorrow, we could, if that makes sense. Yeah. But in yes. Yes.\n\nThat's right. I mean, I think what do we got? I think it's yeah. We don't have much I think we put, like, 2,000 left on it to pay. So yeah.\n\nSo we still got the loan open, and we just paid very minimally so that it stays open. And if for whatever reason or, you know, something happens and I mean, I hope I wouldn't need to use that sort of large amount of money, It's there to withdraw if we if we need to. So Mhmm. Yep. Oh, yeah.\n\nSo that that car is the Ford Ranger, and that's probably my primary car as well. Yeah. I think so or maybe even 60. I don't think they've lost a whole lot of value recently, so that's good. It's just a little Mazda three.\n\nIt's, I think, my it's my first car. It's my little running back car. You still got it. Oh, it's a it's fabulous, actually. It's just it's perfect for Paul to go to work in and, yeah, just to run around in.\n\nYeah. Sounds good. Yeah. Yeah. It's yeah.\n\nIt's worth more to us than it would be to anybody else. So yes. We do. Yep. Yes.\n\nWe do. I, oh, I don't know, actually. I should know this, but I think it's on my husband's, like, account, his side of things. Oh, damn. I should've found this out, sorry, before I spoke to him.\n\nBecause we swapped it over not too long ago. I can ask him, I mean and I can get back to you if you'd like. Yes. I think oh, I can't I think it is something like a 150 to 200,000. So yeah.\n\nThank you. No. Not really. My husband, he had, you know, a whole thing of tools that I wouldn't know what it's worth. And then he he currently keeps it off-site.\n\nSo like, off sorry. Off from where we are, you know, from our house. It's that's his work, but I wouldn't know how much that is worth. I'm sorry. Yeah.\n\nYes. So my husband's being so clever. He and look. And we share everything. So he he opened up a a long term deposit sort of account so that we could gather more interest and yada yada.\n\nHe has put it in his name, which was not a good idea because, as you know, he is a high income owner. So I said, why don't we put it in my name? Currently currently, I can't see how much we've got in that account anymore. And I said and look. I said, Jeremy, you know, we had a bit of a joke about him running away, but he's he's not.\n\nWe I said, yeah. I'm not running away, but if you can put it into my account even now, you know, we went into that tax not too long ago. And she goes, yes, Paul. Please put it into Tacky's name because that will yeah. Yeah.\n\nIt's just negating what, you know, you really wanna achieve there. So so, yes, we yeah. We would have about that. If not, possibly more. Because I haven't checked on that account.\n\nYeah. Which is yeah. I know. It's quite silly. But, anyways, not to worry.\n\nYes. We've got the this week, it's got a Mastercard. $10,000. Yes. But, I mean, we fully pay it off every month.\n\nWe I know this sounds ridiculous, but we because we just we use the credit card for everything, but we know that it just comes out every month, and we just know, you know, what to spend and whatever. So that is generally a lot, you know, or depending on what part of the month we're in, you know, because we just generally live off that and pay it off each month. There could be, you know, 3,000 lead owing on it, but then other days, it might be, like, 6,000 or whatever it is sort of thing. So at the moment, it's currently sitting at $6,419. But but, I mean yeah.\n\nSo it's I understand, you know, debt wise, but, yeah, that's available for us to pay it off when we need to. Or it comes out every month. Yeah. Yeah. That's right.\n\nIt just auto automatically does it. I mean, we check on it all the time anyway, but, yes. It's it's more so for a point thing, to be honest. You know? Yes.\n\nThanks. Mhmm. Yep. Mhmm. Yes, please.\n\nYep. Oh, it's probably Paul's a much better contributor to Super than I am. That's yeah. So that would be, yeah, a little bit of on Paul as well. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. I'd rather hold off until I was back at least four days a week something, which I don't endeavor sort of doing until my youngest is five or when, you know, she starts school.\n\nAnd even then, I don't even know if I'll go back full time, to be honest. And that sounds terrible, but yeah, maybe one said that, you know, that a little bit even older and, you know, you're not attending school based events all that much. Potentially, I go back full time, but, yeah, I'm very happy just working part time. Yeah. Yes.\n\nYep. Mhmm. Yep. That's fabulous. Thank you.\n\nYep. Yes. Yes. Yes. Yep.\n\nYep. Mhmm. Mhmm. Of course. Yeah.\n\nMhmm. Yep. Mhmm. Yep. Yes.\n\nYeah. Okay. Mhmm. Yep. Mhmm.\n\nYep. Okay. Yep. Yeah. Okay.\n\nYep. Mhmm. Mhmm. Okay. Yep.\n\nYep. Yeah. That'd be great. Thank you. Yep.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nMhmm. It's tricky because things are so up in the air at the moment, aren't they? Yeah. Mhmm. Yes.\n\nYeah. Mhmm. Yep. Mhmm. Yeah.\n\nMy brain when you were talking about it before I went like, it would it was sort of going towards that anyway. I'm maybe not to me just wanting to save that. But, yeah, I'm happy to possibly look at the passive option if that's okay. Yeah. Mhmm.\n\nYep. Yes. Yes. Yes. That's fine.\n\nThank you. No. You've explained it very well. Thank you. Yep.\n\nMhmm. Okay. Yep. That's wonderful. Thank you.\n\nYeah. That was good. Thank you. Yep. Yep.\n\nYep. No. I think that's fine. Look. I honestly, if I was to, yeah, if I was to leave the world, I know that my husband would be I mean, he would be distraught, but he would be okay.\n\nYou know, financially, he would be okay. So yeah. Yes. Yes. Yes.\n\nMhmm. No. I'm okay. Yeah. Thank you.\n\nOh, yes. I do remember going through that. Yeah. I'm okay currently at the moment. Yeah.\n\nThank you. Yep. Okay. Great. Thank you.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. Yeah. Mhmm. Yes.\n\nYep. That's fine. Yep. It's getting a little really switched off. Yeah.\n\nMhmm. Yep. Yes. Yes. Okay.\n\nThat's great. Thank you. Yes. We have. Yeah.\n\nWhen we when we had the kids in that, we made sure that was all done. Yep. Yes. I do. Yep.\n\nYep. Okay. Oh, okay. Yep. Okay.\n\nYep. Terrific. Thank you. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yes. Yeah.\n\nI'm comfortable staying in that for now. As I said, got a little while ago. I know that's that's, you know, not maybe the greatest response by saying that you've got time, but, you know, taking risk and everything in into into account, I think, thankfully, I do have time on my side. But, yeah, I think leaving it there is we're happy with that. Yeah.\n\nThank you. Yes. Yeah. Yes. Mhmm.\n\nOkay. Yep. That's great. Thank you. I mean, I know we would we'll talk again soon anyway.\n\nYeah. Half yearly is fine. Six months, like, that's fine. Yeah. Unless unless sort of circumstances were to change for us, and potentially, we did need some advice on moving forward if we were to buy or, you know, move or change some or just in large life decisions, then maybe I would have to we would we might change that just to talk to you about even, you know, things like, you know, talking to a broker or and, yeah, possibly even looking more so in in tax and saving where we can there.\n\nBut, yeah, there there are conversations that, yeah, can come later, but they they're in they're in a, you know, in a in my brain somewhere. They're just not ready right now. Yep. Yep. Uh-huh.\n\nYep. That's great. Thank you. No. No.\n\nI think I think that's that's great. I appreciate you looking at, yeah, my portfolio and I mean, looking at everything, but also going through yeah. But it's I I know how comprehensive it is, and then it's amazing, the stuff that you guys do. So thank you. But, yeah, I know that I know we'll we'll talk again soon anyway about that massive investment anyway.\n\nSo and thank you for, yeah, looking at that and rebalancing my portfolio. So that'll be great. Yeah. No. I think that's good.\n\nYeah. Thank you. Mhmm. Yes. Okay.\n\nOh, wonderful. Great. Thank you. Yep. I'll I'll sign that and then okay.\n\nGreat. Thank you. Thank you. Yes. I popped a movie on.\n\nI I saw you calling. I was like, okay. Movies, snacks, don't go. Thank you. Yes.\n\nYou too, Diana. Thank you. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.76,"sentiment":"neutral","sentiment_score":0.031219743192195892},{"text":"Jessica speaking.","start":1.76,"end":2.58,"sentiment":"neutral","sentiment_score":0.026425556279718876},{"text":"Good.","start":6.72,"end":7.04,"sentiment":"positive","sentiment_score":0.42548561096191406},{"text":"How are you?","start":7.04,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.30298589666684467},{"text":"Yeah.","start":13.44,"end":13.679999,"sentiment":"neutral","sentiment_score":0.09875762462615968}],"sentiment":"neutral","sentiment_score":0.18965897266753018,"num_words":8,"start":1.4399999,"end":13.679999},{"sentences":[{"text":"That's fine.","start":13.679999,"end":14.24,"sentiment":"neutral","sentiment_score":0.11808525770902634},{"text":"I just got both kids at home, I think, so that's okay.","start":14.24,"end":17.605,"sentiment":"neutral","sentiment_score":0.00013637403026223126},{"text":"Yep.","start":27.84,"end":28.24,"sentiment":"neutral","sentiment_score":0.0730956494808197},{"text":"Yep.","start":28.24,"end":28.56,"sentiment":"neutral","sentiment_score":0.13398709893226624},{"text":"That's great.","start":28.56,"end":29.199999,"sentiment":"positive","sentiment_score":0.45808517932891846}],"sentiment":"neutral","sentiment_score":0.07561445060289568,"num_words":18,"start":13.679999,"end":29.199999},{"sentences":[{"text":"Thank you.","start":29.199999,"end":29.68,"sentiment":"positive","sentiment_score":0.38065215945243835},{"text":"Sorry.","start":29.68,"end":30.18,"sentiment":"neutral","sentiment_score":0.05612904950976372},{"text":"Ah, there you go.","start":35.76,"end":36.66,"sentiment":"neutral","sentiment_score":-0.00279701198451221},{"text":"Oh, wow.","start":41.965,"end":42.785,"sentiment":"neutral","sentiment_score":-0.029196571558713913},{"text":"Oh, no way.","start":44.445,"end":45.405,"sentiment":"neutral","sentiment_score":-0.1120515043536822}],"sentiment":"neutral","sentiment_score":0.03430813869150976,"num_words":12,"start":29.199999,"end":45.405},{"sentences":[{"text":"Oh my gosh.","start":45.405,"end":46.225,"sentiment":"neutral","sentiment_score":-0.10541320592164993},{"text":"Yes.","start":49.484997,"end":49.984997,"sentiment":"neutral","sentiment_score":-0.027605503797531128},{"text":"Of course.","start":50.125,"end":50.864998,"sentiment":"neutral","sentiment_score":0.07582436315715313},{"text":"You're right.","start":53.085,"end":53.725,"sentiment":"neutral","sentiment_score":0.13258081674575806},{"text":"Wow.","start":53.725,"end":54.225,"sentiment":"neutral","sentiment_score":0.0358709879219532}],"sentiment":"neutral","sentiment_score":0.012092914018366072,"num_words":9,"start":45.405,"end":54.225},{"sentences":[{"text":"Yep.","start":64.46,"end":64.96,"sentiment":"neutral","sentiment_score":0.08243465423583984},{"text":"Mhmm.","start":69.26,"end":69.76,"sentiment":"neutral","sentiment_score":0.04859015345573425},{"text":"Yep.","start":70.775,"end":71.275,"sentiment":"neutral","sentiment_score":0.08740010112524033},{"text":"Okay.","start":74.215,"end":74.695,"sentiment":"neutral","sentiment_score":0.06258358061313629},{"text":"Yep.","start":74.695,"end":75.195,"sentiment":"neutral","sentiment_score":0.1447528451681137}],"sentiment":"neutral","sentiment_score":0.08515226691961289,"num_words":5,"start":64.46,"end":75.195},{"sentences":[{"text":"Sounds great.","start":75.415,"end":75.975,"sentiment":"positive","sentiment_score":0.401409775018692},{"text":"Thank you.","start":75.975,"end":76.634995,"sentiment":"positive","sentiment_score":0.46291711926460266},{"text":"Yes.","start":85.07,"end":85.39,"sentiment":"neutral","sentiment_score":0.09490469098091124},{"text":"That's fine.","start":85.39,"end":86.13,"sentiment":"neutral","sentiment_score":0.17956305295228958},{"text":"Yep.","start":96.555,"end":96.715,"sentiment":"neutral","sentiment_score":0.033294953405857086}],"sentiment":"neutral","sentiment_score":0.2769974423572421,"num_words":8,"start":75.415,"end":96.715},{"sentences":[{"text":"So it's Jackie Monningen, '91 in eighteen James O'Donnell Drive, Bowensvale.","start":96.715,"end":102.335,"sentiment":"neutral","sentiment_score":0.02791272628713738},{"text":"Pleasure.","start":105.354996,"end":105.854996,"sentiment":"positive","sentiment_score":0.6212605237960815},{"text":"Not particularly.","start":115.560005,"end":116.380005,"sentiment":"neutral","sentiment_score":-0.0661610048264265},{"text":"Still working part time, but I guess I'm sort of between I'm I'm generally three days a week, but sometimes I'll only work with two.","start":118.04,"end":128.315,"sentiment":"neutral","sentiment_score":-0.010775408134795725},{"text":"So you could say two and a half, but I would just keep me down as three because, generally, I pick up the third day regardless.","start":128.535,"end":134.475,"sentiment":"neutral","sentiment_score":0.0009893929012692892}],"sentiment":"neutral","sentiment_score":0.008497192544074586,"num_words":65,"start":96.715,"end":134.475},{"sentences":[{"text":"So I have probably stepped down responsibility wise.","start":134.775,"end":140.87001,"sentiment":"neutral","sentiment_score":-0.06597786175552756},{"text":"So because I was acting up last year, so that's probably, I guess, a little bit less of income on my part, but it's not, you know, not significant.","start":140.93001,"end":158.105,"sentiment":"neutral","sentiment_score":-0.1061621741873437},{"text":"So Yep.","start":158.565,"end":171.77,"sentiment":"neutral","sentiment_score":-0.02161936298944056},{"text":"Oh, that would be, yeah, that would be probably the same if yeah.","start":172.07,"end":175.425,"sentiment":"neutral","sentiment_score":-0.005040783793307268},{"text":"I would say that was probably a bit under for last year, if anything.","start":175.425,"end":178.465,"sentiment":"neutral","sentiment_score":-0.010652957151510887}],"sentiment":"neutral","sentiment_score":-0.058552064558942664,"num_words":66,"start":134.775,"end":178.465},{"sentences":[{"text":"But that's alright.","start":178.465,"end":179.185,"sentiment":"neutral","sentiment_score":0.046685149893164635},{"text":"Yeah.","start":179.185,"end":179.685,"sentiment":"neutral","sentiment_score":0.07405883073806763},{"text":"That's right.","start":180.225,"end":180.785,"sentiment":"neutral","sentiment_score":0.12211187556385994},{"text":"Bless you.","start":180.785,"end":181.525,"sentiment":"neutral","sentiment_score":0.05840754508972169},{"text":"Yes.","start":190.30501,"end":190.68,"sentiment":"neutral","sentiment_score":0.10706448554992676}],"sentiment":"neutral","sentiment_score":0.07580195636385018,"num_words":9,"start":178.465,"end":190.68},{"sentences":[{"text":"Yes.","start":191.23999,"end":191.64,"sentiment":"neutral","sentiment_score":0.10747040808200836},{"text":"It's in.","start":191.64,"end":192.2,"sentiment":"neutral","sentiment_score":0.1368311122059822},{"text":"Yeah.","start":192.2,"end":192.7,"sentiment":"neutral","sentiment_score":0.2316884994506836},{"text":"Look.","start":203.4,"end":203.64,"sentiment":"neutral","sentiment_score":0.1049475520849228},{"text":"We've got heaps.","start":203.64,"end":204.62,"sentiment":"neutral","sentiment_score":0.1816671440998713}],"sentiment":"neutral","sentiment_score":0.15784626454114914,"num_words":8,"start":191.23999,"end":204.62},{"sentences":[{"text":"We're I think we're we're in limbo at the moment as to what to do.","start":205.41501,"end":210.79501,"sentiment":"neutral","sentiment_score":-0.2509101996819178},{"text":"We we either thought about leasing I was just going through my husband, Paul, his work and leasing a car.","start":212.93501,"end":222.22,"sentiment":"neutral","sentiment_score":0.026439573056995867},{"text":"But we just thought, you know, we're in the position that we could buy it outright.","start":223.95999,"end":228.45999,"sentiment":"neutral","sentiment_score":0.09890816174447536},{"text":"However, if we were then to because we've been looking at properties and things like that, We wanted to have, you know, I guess, that sort of chunk of money sitting there as well in case something came up that we, you know, loved.","start":228.59999,"end":243.97499,"sentiment":"neutral","sentiment_score":0.17920947870747608},{"text":"We've been looking for years as, you know, for the right thing and the right one.","start":245.075,"end":249.155,"sentiment":"neutral","sentiment_score":0.2907379986718297}],"sentiment":"neutral","sentiment_score":0.09806030716847729,"num_words":111,"start":205.41501,"end":249.155},{"sentences":[{"text":"I mean, I don't know if that's ever gonna happen really because I think it wouldn't be an investment.","start":249.155,"end":255.74,"sentiment":"neutral","sentiment_score":-0.015965459411841278},{"text":"It would be for us to move.","start":255.74,"end":257.2,"sentiment":"neutral","sentiment_score":-0.0532513399209295},{"text":"But for us to move from the home that we're in would be very hard at the same time because we built it and it's, you know, beautiful and yeah.","start":257.82,"end":267.505,"sentiment":"neutral","sentiment_score":0.09160756928225358},{"text":"It's ours.","start":267.565,"end":268.20502,"sentiment":"neutral","sentiment_score":0.06675521843135357},{"text":"Yeah.","start":268.20502,"end":268.70502,"sentiment":"neutral","sentiment_score":0.028425810858607292}],"sentiment":"neutral","sentiment_score":0.03786542742232934,"num_words":59,"start":249.155,"end":268.70502},{"sentences":[{"text":"So it's tricky.","start":268.765,"end":269.665,"sentiment":"neutral","sentiment_score":-0.07228461901346843},{"text":"But we I guess I'm probably more so the one to push for it to to potentially move just closer to my family and where my kids go to school and I work as well.","start":270.445,"end":287.81,"sentiment":"neutral","sentiment_score":-0.021204404373254094},{"text":"We've also one of our major roads, there's been a bridge that's collapsed.","start":288.35,"end":295.23502,"sentiment":"neutral","sentiment_score":-0.11693183103433022},{"text":"So we've got quite a significant detour now, and it's a it's a, like, a dangerous kind of road.","start":296.415,"end":302.17502,"sentiment":"neutral","sentiment_score":-0.267646124488429},{"text":"So, yeah, we've sort of been looking at moving, so there could be quite a large expense that, you know, that we could be looking forward to.","start":302.17502,"end":311.26,"sentiment":"neutral","sentiment_score":-0.12295547624429067}],"sentiment":"neutral","sentiment_score":-0.11220820657140815,"num_words":97,"start":268.765,"end":311.26},{"sentences":[{"text":"But whether we were to purchase land and build again, that would be that would be our preference because they're very picky.","start":311.26,"end":324.525,"sentiment":"neutral","sentiment_score":0.09708477488972923},{"text":"And and the thought of renovating or the thought of getting, you know, moving to a house from the house that we are in, and it's pretty much perfect the way that it is.","start":325.22498,"end":335.965,"sentiment":"positive","sentiment_score":0.4338863533647621},{"text":"Yeah.","start":337.19,"end":337.43,"sentiment":"neutral","sentiment_score":0.008646712638437748},{"text":"It's hard to then go to somebody else's or that you know, go to a house that somebody else has dreamed of and, you know, it's it's not to where I would want it or my husband would want it.","start":337.43,"end":347.66998,"sentiment":"neutral","sentiment_score":-0.15012816116213798},{"text":"So, you know, we're very but, I mean, when you're spending that kind of money and you're investing for oh, you know, in yourselves and and your family for that sort of yeah.","start":347.66998,"end":357.405,"sentiment":"neutral","sentiment_score":-0.04266833672017762}],"sentiment":"neutral","sentiment_score":0.07294974012586933,"num_words":130,"start":311.26,"end":357.405},{"sentences":[{"text":"It's a it's a big big 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build.","start":375.94,"end":384.235,"sentiment":"neutral","sentiment_score":0.07282015386347969},{"text":"And then that would the tiny home would stay within my parents, and we would turn that into, like, an Airbnb.","start":384.615,"end":390.395,"sentiment":"neutral","sentiment_score":0.09799065724724815},{"text":"So there's lots of things, you know, up in the air, but they're grand plans whether they will actually ever eventuate.","start":390.695,"end":398.92,"sentiment":"neutral","sentiment_score":0.18694434563318887},{"text":"Yeah.","start":402.5,"end":403.0,"sentiment":"neutral","sentiment_score":0.026136629283428192},{"text":"So I think we would possibly sell 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have to sell our house.","start":442.85498,"end":447.35498,"sentiment":"neutral","sentiment_score":-0.0558038412460259}],"sentiment":"neutral","sentiment_score":-0.025279641978589718,"num_words":76,"start":417.935,"end":447.35498},{"sentences":[{"text":"Yeah.","start":449.45,"end":449.95,"sentiment":"neutral","sentiment_score":0.03649423271417618},{"text":"But we have places that we would be able to live in interim, which is which is good.","start":450.09,"end":456.17,"sentiment":"neutral","sentiment_score":0.18375344946980476},{"text":"You know?","start":456.17,"end":456.75,"sentiment":"neutral","sentiment_score":0.12441432103514671},{"text":"We're fortunate in that regard.","start":457.45,"end":459.07,"sentiment":"positive","sentiment_score":0.3615912064909935},{"text":"But it's just the property that we've been looking at.","start":460.57,"end":465.595,"sentiment":"neutral","sentiment_score":-0.056205065362155436}],"sentiment":"neutral","sentiment_score":0.13441084289095467,"num_words":36,"start":449.45,"end":465.595},{"sentences":[{"text":"It's it's a funny one.","start":467.01498,"end":468.29498,"sentiment":"neutral","sentiment_score":-0.09362341016530991},{"text":"Like, it's over a couple of different it's a deceased sort of a state, but, you know, the the family has it all in different I think there's a couple of different titles, and it's all a little bit messy.","start":468.29498,"end":481.17,"sentiment":"neutral","sentiment_score":-0.09766421308740973},{"text":"So, yeah, we've put in an offer and then yeah.","start":481.17,"end":484.13,"sentiment":"neutral","sentiment_score":0.002414486929774285},{"text":"It's probably, like, you know, very much labeled it, but yeah.","start":484.13,"end":488.955,"sentiment":"neutral","sentiment_score":-0.05372857200828465},{"text":"We'll see what comes back from it because, I mean, now we we know that if somebody else puts in an offer then, you know, you can go back and forth.","start":489.015,"end":496.375,"sentiment":"neutral","sentiment_score":0.024621679237292658}],"sentiment":"neutral","sentiment_score":-0.04307508186350778,"num_words":97,"start":467.01498,"end":496.375},{"sentences":[{"text":"But yeah.","start":496.375,"end":498.695,"sentiment":"neutral","sentiment_score":-0.0031599989160895348},{"text":"So that's sort of our things that are on the cards at the moment.","start":498.695,"end":501.575,"sentiment":"neutral","sentiment_score":-0.028131832235625813},{"text":"But whether that actually eventuates, I don't know.","start":501.575,"end":504.06,"sentiment":"neutral","sentiment_score":-0.15837926603853703},{"text":"It'll be with the the owner as well because the land is over so there's blocks of land that they have available.","start":504.06,"end":513.68,"sentiment":"neutral","sentiment_score":-0.021070696074854244},{"text":"But on it, it goes into sort of, like, an l shape, and it's over two different okay.","start":514.3,"end":524.235,"sentiment":"neutral","sentiment_score":-0.049415243272152215}],"sentiment":"neutral","sentiment_score":-0.04719108546851203,"num_words":64,"start":496.375,"end":524.235},{"sentences":[{"text":"Both of them have, like, a house number attached to it.","start":524.295,"end":528.535,"sentiment":"neutral","sentiment_score":-0.06042579019611532},{"text":"I can't think of the word.","start":528.535,"end":529.47,"sentiment":"neutral","sentiment_score":-0.15538848688205084},{"text":"So the one part of the l, which we wouldn't, you know, want, and it has been subdivided within the the plans.","start":531.31,"end":538.52997,"sentiment":"neutral","sentiment_score":-0.05988861688158729},{"text":"We've said, you know, we would like to purchase a 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you.","start":780.305,"end":781.125,"sentiment":"neutral","sentiment_score":0.27214474231004715}],"sentiment":"neutral","sentiment_score":0.25165618723258376,"num_words":10,"start":775.34503,"end":781.125},{"sentences":[{"text":"Mhmm.","start":789.38,"end":789.54,"sentiment":"neutral","sentiment_score":0.04107685759663582},{"text":"Yep.","start":789.54,"end":790.04,"sentiment":"neutral","sentiment_score":0.05479183793067932},{"text":"Yeah.","start":802.22504,"end":802.465,"sentiment":"neutral","sentiment_score":0.03675283119082451},{"text":"That's 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us.","start":828.90497,"end":830.285,"sentiment":"neutral","sentiment_score":0.005175028306742509}],"sentiment":"neutral","sentiment_score":0.008746648750578364,"num_words":36,"start":807.745,"end":830.285},{"sentences":[{"text":"So, I mean, it could be we haven't had it revalued for a little while, which is something that we're actually just doing some work out the front just to our entryway.","start":830.425,"end":842.82,"sentiment":"neutral","sentiment_score":0.002872841985663399},{"text":"So I think once that is done, we might potentially get a couple of the real estate in to sort of just value and see where we're sitting as well.","start":843.04,"end":853.6,"sentiment":"neutral","sentiment_score":0.06547434590756893},{"text":"That will also help us with a sort of where to 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yeah.","start":993.07996,"end":993.56,"sentiment":"neutral","sentiment_score":0.024111167527735233}],"sentiment":"neutral","sentiment_score":0.01641266354902958,"num_words":60,"start":947.405,"end":993.56},{"sentences":[{"text":"So that that car is the Ford Ranger, and that's probably my primary car as well.","start":993.56,"end":1002.255,"sentiment":"neutral","sentiment_score":0.0804603723809123},{"text":"Yeah.","start":1010.395,"end":1010.635,"sentiment":"neutral","sentiment_score":0.018843624740839005},{"text":"I think so or maybe even 60.","start":1010.635,"end":1012.69,"sentiment":"neutral","sentiment_score":0.0034822113811969757},{"text":"I don't think they've lost a whole lot of value recently, so that's good.","start":1012.69,"end":1017.26996,"sentiment":"neutral","sentiment_score":0.013528072674359595},{"text":"It's just a little Mazda three.","start":1025.73,"end":1027.57,"sentiment":"neutral","sentiment_score":0.03593341478457054}],"sentiment":"neutral","sentiment_score":0.039444967469369825,"num_words":44,"start":993.56,"end":1027.57},{"sentences":[{"text":"It's, I think, my it's my first car.","start":1027.57,"end":1029.375,"sentiment":"neutral","sentiment_score":0.04627988487482071},{"text":"It's my little running back car.","start":1029.375,"end":1030.8351,"sentiment":"neutral","sentiment_score":0.13166611889998117},{"text":"You still got it.","start":1032.8151,"end":1033.6151,"sentiment":"positive","sentiment_score":0.6028456836938858},{"text":"Oh, it's a it's fabulous, actually.","start":1033.6151,"end":1035.6951,"sentiment":"positive","sentiment_score":0.6486941973368326},{"text":"It's just it's perfect for Paul to go to work in and, yeah, just to run around in.","start":1035.6951,"end":1040.1151,"sentiment":"positive","sentiment_score":0.4202204992373784}],"sentiment":"positive","sentiment_score":0.3578036356539953,"num_words":42,"start":1027.57,"end":1040.1151},{"sentences":[{"text":"Yeah.","start":1040.6599,"end":1040.98,"sentiment":"neutral","sentiment_score":0.2088926136493683},{"text":"Sounds good.","start":1040.98,"end":1041.7999,"sentiment":"positive","sentiment_score":0.3703782707452774},{"text":"Yeah.","start":1049.94,"end":1050.34,"sentiment":"neutral","sentiment_score":0.028890855610370636},{"text":"Yeah.","start":1050.34,"end":1050.58,"sentiment":"neutral","sentiment_score":0.03404707461595535},{"text":"It's yeah.","start":1050.58,"end":1051.2999,"sentiment":"neutral","sentiment_score":0.044906266033649445}],"sentiment":"neutral","sentiment_score":0.157485659633364,"num_words":7,"start":1040.6599,"end":1051.2999},{"sentences":[{"text":"It's worth more to us than it would be to anybody 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200,000.","start":1135.23,"end":1140.395,"sentiment":"neutral","sentiment_score":-0.032113877187172575},{"text":"So yeah.","start":1140.535,"end":1142.955,"sentiment":"neutral","sentiment_score":0.21199052408337593}],"sentiment":"neutral","sentiment_score":0.009162411743471788,"num_words":43,"start":1106.74,"end":1142.955},{"sentences":[{"text":"Thank you.","start":1145.735,"end":1146.635,"sentiment":"positive","sentiment_score":0.713549792766571},{"text":"No.","start":1158.57,"end":1158.89,"sentiment":"neutral","sentiment_score":-0.08910836279392242},{"text":"Not really.","start":1158.89,"end":1159.63,"sentiment":"neutral","sentiment_score":-0.11096129566431046},{"text":"My husband, he had, you know, a whole thing of tools that I wouldn't know what it's worth.","start":1160.57,"end":1165.495,"sentiment":"neutral","sentiment_score":-0.16561129523648155},{"text":"And then he he currently keeps it off-site.","start":1165.495,"end":1167.995,"sentiment":"neutral","sentiment_score":-0.05665510706603527}],"sentiment":"neutral","sentiment_score":-0.07477985610885005,"num_words":31,"start":1145.735,"end":1167.995},{"sentences":[{"text":"So like, off sorry.","start":1168.055,"end":1169.435,"sentiment":"neutral","sentiment_score":-0.05785089638084173},{"text":"Off from where we are, you know, from our house.","start":1170.055,"end":1172.455,"sentiment":"neutral","sentiment_score":-0.013618481252342463},{"text":"It's that's his work, but I wouldn't know how much that is worth.","start":1172.455,"end":1177.975,"sentiment":"neutral","sentiment_score":-0.060153319966048},{"text":"I'm sorry.","start":1177.975,"end":1178.7,"sentiment":"neutral","sentiment_score":-0.06386532820761204},{"text":"Yeah.","start":1181.58,"end":1182.08,"sentiment":"neutral","sentiment_score":0.16217350959777832}],"sentiment":"neutral","sentiment_score":-0.03717129014742871,"num_words":30,"start":1168.055,"end":1182.08},{"sentences":[{"text":"Yes.","start":1196.145,"end":1196.5449,"sentiment":"neutral","sentiment_score":0.16371923685073853},{"text":"So my husband's being so clever.","start":1196.5449,"end":1200.325,"sentiment":"neutral","sentiment_score":0.26237577944993973},{"text":"He and look.","start":1201.345,"end":1202.705,"sentiment":"neutral","sentiment_score":0.25701553126176196},{"text":"And we share everything.","start":1202.705,"end":1203.845,"sentiment":"neutral","sentiment_score":0.20537646859884262},{"text":"So he he opened up a a long term deposit sort of account so that we could gather more interest and yada yada.","start":1204.5449,"end":1215.53,"sentiment":"neutral","sentiment_score":0.09178837890858235}],"sentiment":"neutral","sentiment_score":0.147071867476444,"num_words":37,"start":1196.145,"end":1215.53},{"sentences":[{"text":"He has put it in his name, which was not a good idea because, as you know, he is a high income owner.","start":1217.03,"end":1223.355,"sentiment":"neutral","sentiment_score":-0.1822552985471228},{"text":"So I said, why don't we put it in my name?","start":1223.355,"end":1226.495,"sentiment":"neutral","sentiment_score":-0.031571909615939316},{"text":"Currently currently, I can't see how much we've got in that account anymore.","start":1227.355,"end":1231.855,"sentiment":"neutral","sentiment_score":-0.1399583421074427},{"text":"And I said and look.","start":1232.7101,"end":1234.0701,"sentiment":"neutral","sentiment_score":-0.05619754269719124},{"text":"I said, Jeremy, you know, we had a bit of a joke about him running away, but he's he's 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circumstances were to change for us, and potentially, we did need some advice on moving forward if we were to buy or, you know, move or change some or just in large life decisions, then maybe I would have to we would we might change that just to talk to you about even, you know, things like, you know, talking to a broker or and, yeah, possibly even looking more so in in tax and saving where we can there.","start":2532.27,"end":2570.815,"sentiment":"neutral","sentiment_score":0.015361629881053454}],"sentiment":"neutral","sentiment_score":0.016968094959462943,"num_words":95,"start":2527.15,"end":2570.815},{"sentences":[{"text":"But, yeah, there there are conversations that, yeah, can come later, but they they're in they're in a, you know, in a in my brain somewhere.","start":2570.815,"end":2582.0598,"sentiment":"neutral","sentiment_score":-0.01157227878530438},{"text":"They're just not ready right now.","start":2582.68,"end":2584.46,"sentiment":"neutral","sentiment_score":-0.1126749577621619},{"text":"Yep.","start":2604.905,"end":2605.405,"sentiment":"neutral","sentiment_score":0.11604145169258118},{"text":"Yep.","start":2605.625,"end":2606.125,"sentiment":"neutral","sentiment_score":0.08935315907001495},{"text":"Uh-huh.","start":2607.43,"end":2607.83,"sentiment":"neutral","sentiment_score":0.1097586303949356}],"sentiment":"neutral","sentiment_score":-0.018907878680952957,"num_words":35,"start":2570.815,"end":2607.83},{"sentences":[{"text":"Yep.","start":2607.83,"end":2608.1501,"sentiment":"neutral","sentiment_score":0.24637335538864136},{"text":"That's great.","start":2608.1501,"end":2608.71,"sentiment":"positive","sentiment_score":0.6558614075183868},{"text":"Thank you.","start":2608.71,"end":2609.37,"sentiment":"positive","sentiment_score":0.6983885169029236},{"text":"No.","start":2621.7852,"end":2622.185,"sentiment":"neutral","sentiment_score":-0.008115909993648529},{"text":"No.","start":2622.185,"end":2622.425,"sentiment":"neutral","sentiment_score":-0.011954558081924915}],"sentiment":"positive","sentiment_score":0.41925753373652697,"num_words":7,"start":2607.83,"end":2622.425},{"sentences":[{"text":"I think I think that's that's great.","start":2622.425,"end":2624.2651,"sentiment":"neutral","sentiment_score":0.029187776148319244},{"text":"I appreciate you looking at, yeah, my portfolio and I mean, looking at everything, but also going through yeah.","start":2624.2651,"end":2631.065,"sentiment":"neutral","sentiment_score":0.13387705032762728},{"text":"But it's I I know how comprehensive it is, and then it's amazing, the stuff that you guys do.","start":2631.065,"end":2636.19,"sentiment":"neutral","sentiment_score":0.31951020265880387},{"text":"So thank you.","start":2636.19,"end":2637.09,"sentiment":"neutral","sentiment_score":0.2768833488225937},{"text":"But, yeah, I know that I know we'll we'll talk again soon anyway about that massive investment anyway.","start":2637.87,"end":2643.87,"sentiment":"neutral","sentiment_score":0.035143685216705}],"sentiment":"neutral","sentiment_score":0.15578649424468027,"num_words":66,"start":2622.425,"end":2643.87},{"sentences":[{"text":"So and thank you for, yeah, looking at that and rebalancing my portfolio.","start":2643.87,"end":2649.7449,"sentiment":"neutral","sentiment_score":0.16429093250861534},{"text":"So that'll be great.","start":2649.7449,"end":2650.805,"sentiment":"neutral","sentiment_score":0.2942817583680153},{"text":"Yeah.","start":2652.145,"end":2652.385,"sentiment":"neutral","sentiment_score":0.04931589961051941},{"text":"No.","start":2652.385,"end":2652.625,"sentiment":"neutral","sentiment_score":0.006434885784983635},{"text":"I think that's good.","start":2652.625,"end":2654.2449,"sentiment":"neutral","sentiment_score":0.03648388525471091}],"sentiment":"neutral","sentiment_score":0.1528084992390612,"num_words":23,"start":2643.87,"end":2654.2449},{"sentences":[{"text":"Yeah.","start":2654.465,"end":2654.785,"sentiment":"neutral","sentiment_score":0.23886382579803467},{"text":"Thank you.","start":2654.785,"end":2655.525,"sentiment":"positive","sentiment_score":0.4320385158061981},{"text":"Mhmm.","start":2677.1501,"end":2677.23,"sentiment":"neutral","sentiment_score":0.025542661547660828},{"text":"Yes.","start":2677.23,"end":2677.73,"sentiment":"neutral","sentiment_score":0.08041736483573914},{"text":"Okay.","start":2678.6948,"end":2679.015,"sentiment":"neutral","sentiment_score":0.11505677551031113}],"sentiment":"neutral","sentiment_score":0.22065960988402367,"num_words":6,"start":2654.465,"end":2679.015},{"sentences":[{"text":"Oh, wonderful.","start":2679.015,"end":2679.7349,"sentiment":"positive","sentiment_score":0.6518478989601135},{"text":"Great.","start":2679.7349,"end":2679.9749,"sentiment":"positive","sentiment_score":0.7848728895187378},{"text":"Thank you.","start":2679.9749,"end":2680.375,"sentiment":"positive","sentiment_score":0.7296116054058075},{"text":"Yep.","start":2680.375,"end":2680.875,"sentiment":"neutral","sentiment_score":0.2646493911743164},{"text":"I'll I'll sign that and then okay.","start":2681.335,"end":2683.575,"sentiment":"neutral","sentiment_score":0.13668876779930933}],"sentiment":"positive","sentiment_score":0.36686635877077395,"num_words":13,"start":2679.015,"end":2683.575},{"sentences":[{"text":"Great.","start":2683.575,"end":2683.9749,"sentiment":"positive","sentiment_score":0.65348881483078},{"text":"Thank you.","start":2683.9749,"end":2684.7148,"sentiment":"positive","sentiment_score":0.6927895843982697},{"text":"Thank you.","start":2688.135,"end":2688.615,"sentiment":"positive","sentiment_score":0.4590953290462494},{"text":"Yes.","start":2688.615,"end":2688.855,"sentiment":"neutral","sentiment_score":0.22928255796432495},{"text":"I popped a movie on.","start":2688.855,"end":2690.2349,"sentiment":"neutral","sentiment_score":0.2589263379573822}],"sentiment":"positive","sentiment_score":0.40737935358827765,"num_words":11,"start":2683.575,"end":2690.2349},{"sentences":[{"text":"I I saw you calling.","start":2690.375,"end":2691.335,"sentiment":"neutral","sentiment_score":0.07075194716453552},{"text":"I was like, okay.","start":2691.335,"end":2692.055,"sentiment":"neutral","sentiment_score":0.014544650912284851},{"text":"Movies, snacks, don't go.","start":2692.055,"end":2693.73,"sentiment":"neutral","sentiment_score":-0.04241677187383175},{"text":"Thank you.","start":2701.7688,"end":2702.2488,"sentiment":"positive","sentiment_score":0.6361430883407593},{"text":"Yes.","start":2702.2488,"end":2702.4888,"sentiment":"neutral","sentiment_score":0.29212450981140137}],"sentiment":"neutral","sentiment_score":0.11291762115433812,"num_words":16,"start":2690.375,"end":2702.4888},{"sentences":[{"text":"You too, Diana.","start":2702.4888,"end":2703.2087,"sentiment":"positive","sentiment_score":0.3381812274456024},{"text":"Thank you.","start":2703.2087,"end":2703.9487,"sentiment":"positive","sentiment_score":0.6142952740192413},{"text":"Okay.","start":2705.8489,"end":2706.3289,"sentiment":"neutral","sentiment_score":0.1692802906036377},{"text":"Bye.","start":2706.3289,"end":2706.8289,"sentiment":"neutral","sentiment_score":0.1944197714328766}],"sentiment":"positive","sentiment_score":0.372404898915972,"num_words":7,"start":2702.4888,"end":2706.8289}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jessica speaking.\n\nChannel 0: Hi, Jackie. This is Dana from OC Financial. How are you this morning?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your annual review. Is now still a good time here for you?\n\nChannel 1: Yeah. That's fine. I just got both kids at home, I think,\n\nChannel 0: Uh-huh.\n\nChannel 1: so that's\n\nChannel 0: No.\n\nChannel 1: okay.\n\nChannel 0: That's okay. That's okay. I can try to not take up too much of your time. If you find that you do need to stop for any reason, just let me know, but we can try to jump through it as quickly as possible for you if that's easier.\n\nChannel 1: Yep. Yep. That's great. Thank you. Sorry.\n\nChannel 0: Oh, no. That no. You're absolutely fine. I completely understand. Again, I'm actually working from home today because up\n\nChannel 1: Ah,\n\nChannel 0: here\n\nChannel 1: there\n\nChannel 0: on the\n\nChannel 1: you go.\n\nChannel 0: Northern east of our border slash Queensland Gold Coast there, we've just had, you know, 200 mils of rain in the last\n\nChannel 1: Oh,\n\nChannel 0: twenty\n\nChannel 1: wow.\n\nChannel 0: four to forty eight hours. Yeah. So\n\nChannel 1: Oh,\n\nChannel 0: we've\n\nChannel 1: no way. Oh my gosh.\n\nChannel 0: we've all had to work from home because of, you know, localized flooding and things like\n\nChannel 1: Yes.\n\nChannel 0: that. So\n\nChannel 1: Of\n\nChannel 0: I\n\nChannel 1: course.\n\nChannel 0: absolutely get it. It's all good.\n\nChannel 1: You're right. Wow.\n\nChannel 0: Oh, no. Oh, good. Well, what I'll do if you like is I'll go through things with you, give you a bit of an update. I know Michelle has been trying to update your address your email address for you as well.\n\nChannel 1: Yep.\n\nChannel 0: So after the call, I'll be able to send you out the any review documents for you to have a look at and to sign\n\nChannel 1: Mhmm.\n\nChannel 0: and return back,\n\nChannel 1: Yep.\n\nChannel 0: And we'll make sure she can send it out to your new email address for you as well.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Sounds great.\n\nChannel 0: Beautiful.\n\nChannel 1: Thank you.\n\nChannel 0: Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Fantastic. And just to confirm, I am discussing your personal information. So just in security, get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. So it's Jackie Monningen, '91 in\n\nChannel 0: Yep.\n\nChannel 1: eighteen James O'Donnell Drive, Bowensvale.\n\nChannel 0: Fantastic. Thank you so much for that.\n\nChannel 1: Pleasure.\n\nChannel 0: So how's everything been since we were able to catch up last year? Is there any major changes in your work or life in general? Or\n\nChannel 1: Not particularly.\n\nChannel 0: Yep.\n\nChannel 1: Still working part time, but I guess I'm sort of between I'm I'm generally three days a week, but sometimes I'll only work with two. So you could say\n\nChannel 0: Yes.\n\nChannel 1: two and a half, but I would just keep me down as three because, generally, I pick up the third day regardless. So\n\nChannel 0: Yes. Okay. Beautiful.\n\nChannel 1: I have probably stepped down responsibility wise. So\n\nChannel 0: Yep.\n\nChannel 1: because I was acting up last year, so that's probably, I guess, a little bit less of income on my part,\n\nChannel 0: Okay. Yep.\n\nChannel 1: but\n\nChannel 0: All good.\n\nChannel 1: it's not, you know, not significant. So\n\nChannel 0: No. That's okay. Not a problem at all. So just having a quick look at what I had here. So last year, we had your income at around about 45,000 per annum.\n\nDo you think it's kinda going up or down from there a little bit?\n\nChannel 1: Yep. Oh, that would be, yeah, that would be probably\n\nChannel 0: About\n\nChannel 1: the same\n\nChannel 0: the same.\n\nChannel 1: if yeah. I\n\nChannel 0: Yep.\n\nChannel 1: would say that was probably a bit\n\nChannel 0: Yep.\n\nChannel 1: under for last year, if anything. But\n\nChannel 0: Oh,\n\nChannel 1: that's\n\nChannel 0: that's\n\nChannel 1: alright.\n\nChannel 0: okay.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Not\n\nChannel 1: Bless\n\nChannel 0: an\n\nChannel 1: you.\n\nChannel 0: issue. Yeah. Not an issue at all. Fantastic. So a little bit more time at home, which is good, especially coming into winter with everything that goes around the schools and all the viruses.\n\nChannel 1: Yes. Yes. It's in. Yeah.\n\nChannel 0: All good. All good. And moving forward over the next sort of twelve months, do you guys have any goals that you're looking to achieve? Anything financially or personally?\n\nChannel 1: Look. We've got heaps. We're\n\nChannel 0: Yeah.\n\nChannel 1: I think we're we're in limbo at the moment as to what to do.\n\nChannel 0: Yep.\n\nChannel 1: We we either thought about leasing I was just going through my husband, Paul, his work and leasing a car.\n\nChannel 0: Yep.\n\nChannel 1: But we just thought, you know, we're in the position that we could buy it outright. However, if we were then to because we've been looking at properties and things like that,\n\nChannel 0: Mhmm.\n\nChannel 1: We wanted to have, you know, I guess, that sort of chunk of money sitting there as well in case something came up that we, you know, loved.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: We've been looking for years as, you know, for the right thing and the right one. I mean, I don't know if that's ever gonna happen really because I think it wouldn't be an investment. It would be for us to move. But\n\nChannel 0: Yes.\n\nChannel 1: for us to move from the home that we're in would be very hard at the same time because we built it and it's, you know, beautiful\n\nChannel 0: It's\n\nChannel 1: and\n\nChannel 0: yours.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's ours. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: it's tricky. But we I guess I'm probably more so the one to push for it to to potentially move just closer to my family and where my kids go to school and I work\n\nChannel 0: Mhmm.\n\nChannel 1: as\n\nChannel 0: Yep.\n\nChannel 1: well.\n\nChannel 0: Yep.\n\nChannel 1: We've also one of our major roads, there's been a bridge that's collapsed.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: no.\n\nChannel 1: we've got quite a significant detour now, and it's a it's a, like, a dangerous kind of road. So, yeah, we've sort of been looking at moving, so there could be quite a large expense that, you know, that we could be looking forward to. But whether we were to\n\nChannel 0: Yeah.\n\nChannel 1: purchase land and build again,\n\nChannel 0: Yep.\n\nChannel 1: that would be that would be our preference\n\nChannel 0: Yep.\n\nChannel 1: because they're very picky. And\n\nChannel 0: Yeah.\n\nChannel 1: and the thought of renovating or the thought of getting, you know, moving to a house from the house that we are in, and it's pretty much perfect the way that it is.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It's hard to then go to somebody else's or that you know, go to a house that somebody else has dreamed of and, you know, it's it's not to where I would want it or my husband would want it. So, you know, we're very\n\nChannel 0: No.\n\nChannel 1: but, I mean, when you're spending that kind of money and you're investing for oh, you\n\nChannel 0: Yeah.\n\nChannel 1: know, in yourselves and and your family for that sort of yeah. It's a it's a big big decision. But yeah. So land and building would be a preference.\n\nChannel 0: Yes.\n\nChannel 1: We've looked at tiny homes as well. My family has an acreage where they are and possibly investing in something like that, living in\n\nChannel 0: Yep.\n\nChannel 1: the tiny home. But then if we were to find something, we would then, you know, have that as a secure place to live whilst we build. And then that would the tiny home would stay within my parents, and we would turn that into, like, an Airbnb. So\n\nChannel 0: Yeah.\n\nChannel 1: there's\n\nChannel 0: Nice.\n\nChannel 1: lots of things, you know, up in the air, but they're grand plans whether they will actually ever eventuate.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah. No. Absolutely. And if you were to sort of buy land and build somewhere else, what would you wanna do with your current house? Would you be wanting to sort of keep that and rent it out, or would you be looking to try and sell that?\n\nWhat would\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: think\n\nChannel 0: the plan?\n\nChannel 1: we would possibly sell that. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So the land that we're we're looking we have there is something that, you know, we've we've sort of been negotiating with a realtor at the moment and people. The land that we were looking at is it could be subdivided. So\n\nChannel 0: Okay.\n\nChannel 1: we would you know, if we were to go ahead with the purchase, we would most likely oh, sorry. If we were to build, we would most likely have to sell our house.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. But we have places that we would be able to live in interim, which\n\nChannel 0: Okay.\n\nChannel 1: is\n\nChannel 0: Beautiful.\n\nChannel 1: which is good.\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: Yeah.\n\nChannel 1: We're fortunate in that regard. But it's just the property that we've been looking at. It's it's a funny one. Like, it's over a couple of different it's a deceased sort of a state, but, you know, the the family\n\nChannel 0: Right.\n\nChannel 1: has it all in different I think there's a couple of different titles, and it's all\n\nChannel 0: Right.\n\nChannel 1: a little bit messy. So, yeah, we've put\n\nChannel 0: Yep.\n\nChannel 1: in an offer and then yeah. It's probably, like, you know, very much labeled it, but yeah. We'll see what comes back from it because, I mean, now we we know that if somebody else puts in an offer then, you know, you can go back\n\nChannel 0: Yeah.\n\nChannel 1: and forth. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So that's sort of our things that are on the cards at the moment. But whether that actually eventuates, I don't know. It'll be with the the owner as well because the land is over so there's blocks of land that they have\n\nChannel 0: Yep.\n\nChannel 1: available. But on it, it goes into sort of, like, an l shape, and it's over two different okay. Both of them have, like, a house number attached to it. I can't think of the word. So the one part of the l, which we wouldn't,\n\nChannel 0: Yep.\n\nChannel 1: you know, want, and it has been subdivided within the the plans.\n\nChannel 0: Yeah.\n\nChannel 1: We've said, you know, we would like to purchase a land. So we put an offer on that lot that it's under because they're in all different lots.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And, yeah, the owner, fair enough, they wanna sell it all all in one, but, yeah, that's\n\nChannel 0: Yeah.\n\nChannel 1: not something. I mean, it's a ridiculous amount of money that they want for it, so we said no.\n\nChannel 0: Yeah. No.\n\nChannel 1: And and\n\nChannel 0: Fair\n\nChannel 1: the house\n\nChannel 0: enough.\n\nChannel 1: that's on it, it's just it's it's all run down and, yeah, it's pretty crappy in that. But\n\nChannel 0: Yep.\n\nChannel 1: yeah. So, I mean yeah, it it has a lot of potential, but just I think it'll just be how far we can go with it or how far the owner will go. It's been on the market for a long time, so I'm hoping\n\nChannel 0: Yeah.\n\nChannel 1: that something\n\nChannel 0: They might\n\nChannel 1: might\n\nChannel 0: be getting desperate\n\nChannel 1: come from\n\nChannel 0: at\n\nChannel 1: it.\n\nChannel 0: some point. Might be willing\n\nChannel 1: Yeah.\n\nChannel 0: to negotiate\n\nChannel 1: That's\n\nChannel 0: a bit\n\nChannel 1: it.\n\nChannel 0: more. Yep.\n\nChannel 1: Yes. I mean, with the way that our climate is in Australia at the moment, it yeah. Not that I wanna wish hardship on anyone, but or make,\n\nChannel 0: No.\n\nChannel 1: you\n\nChannel 0: Correct.\n\nChannel 1: know, you know, but maybe maybe, yeah, some pressure financially.\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: Absolutely. Yeah. Absolutely. Well, even with what came out from the budget last week, there's a lot of uncertainty around what people are gonna do with current investments with purchasing\n\nChannel 1: Yeah.\n\nChannel 0: new investments down the track. So, I\n\nChannel 1: That's\n\nChannel 0: mean,\n\nChannel 1: it.\n\nChannel 0: looking at if you are looking at building, looking at something that can be subdivided, which gives you the option to, you know, maybe build another property to\n\nChannel 1: Yes.\n\nChannel 0: rent out or, you know, to be able to utilize. And if this\n\nChannel 1: Yep.\n\nChannel 0: legislation goes through, because I believe falls on quite a decent income, if\n\nChannel 1: Yes.\n\nChannel 0: you are looking at the other track having an investment property, which is possibly something we had noted here a while back as one of your goals,\n\nChannel 1: Yep.\n\nChannel 0: if this legislation goes through, it does need to be a new property to be able take advantage of negative gearing.\n\nChannel 1: Yes.\n\nChannel 0: And, realistically, when we hold investment properties or any kind of investment, the income made from that, we wanna try and, as much as possible, minimize the amount of tax we are paying. So by having an investment property that we can't, you know, can't use the losses on,\n\nChannel 1: Mhmm.\n\nChannel 0: it does make it pretty well pointless. So if you are looking at something that is subdivided, it does give you the option down the track of being able to maybe build a secondary property\n\nChannel 1: Yep.\n\nChannel 0: and rent it out and still give you access to the negative get negative gearing legislation\n\nChannel 1: Yep.\n\nChannel 0: if that goes through as it has been already announced.\n\nChannel 1: Yep.\n\nChannel 0: We know that moving forward, there could be some changes. I was just watching what happens with these bills to see whether they go through as is or whether there are any updates or anything there. But if anything does come up, you just wanna have more of a chat about it, please let me know. I'm\n\nChannel 1: Okay.\n\nChannel 0: more\n\nChannel 1: Yeah.\n\nChannel 0: than happy to talk it through. But, yeah, I mean, having a subdivided property isn't a bad thing, But moving forward in order to take advantage of negative gearing and have investment properties and things down the track, we are gonna have to look at brand new properties at this point unless\n\nChannel 1: Yep.\n\nChannel 0: that bill somehow doesn't go through, which should be\n\nChannel 1: Yep.\n\nChannel 0: not bad.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nI\n\nChannel 0: Yeah.\n\nChannel 1: know. Yeah.\n\nChannel 0: But, no, it says that you've got some good plans there with regard to that. And, yeah, I mean, building a new home is a good thing. You do kind of get to build it your way,\n\nChannel 1: Yes.\n\nChannel 0: which is what it sounds like you've done to the house. You've got at the moment things that you've got specifications to,\n\nChannel 1: Yep.\n\nChannel 0: you know, to how you're comfortable that you do love it, and it's time to think of your own property with somebody else living in it too. So I can understand\n\nChannel 1: Yes. Yes.\n\nChannel 0: wanting to sell that to build something next. Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. I don't think we would be able to rent it out to them if it's too like, it needs to go to someone that would really love it and appreciate it. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Renting out can be quite difficult personally too if you are. If you've lived in something and it's you know, you you love it and someone else was living in it and their certain if it doesn't really match or they don't look after it the same\n\nChannel 1: Yeah.\n\nChannel 0: way, it can be kind of hard as well\n\nChannel 1: Yeah.\n\nChannel 0: emotionally.\n\nChannel 1: That's it.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That's okay. That's\n\nChannel 1: That's\n\nChannel 0: fantastic.\n\nChannel 1: good to know. Thank\n\nChannel 0: Well,\n\nChannel 1: you.\n\nChannel 0: that's alright. Do let us hope you do have additional questions around, you know, that sort of thing or if you did need any additional advice down there, we can certainly get helping. But it sounds\n\nChannel 1: Mhmm.\n\nChannel 0: like\n\nChannel 1: Yep.\n\nChannel 0: you just kind of the merger of what you're just wanting to do is about finding the right property, the right, you know, amount you're willing to pay, but then also working out, you know, down the track what you just wanna be able to do with that as well. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: That's it. Yeah.\n\nChannel 0: Beautiful. All good. With the house you have at the moment,\n\nChannel 1: Yes.\n\nChannel 0: we had an asset value last year of about 1,200,000. Value wise, do you think that's probably gone up a little bit? Would you revalue that a bit more? Or\n\nChannel 1: Mhmm. I mean, potentially, we've got a couple in our area that had, it was probably the high twos, if not threes. It was very similar to our house. It's down the road from us. So, I mean, it\n\nChannel 0: Yeah.\n\nChannel 1: could be we haven't had it revalued for a little while, which is something\n\nChannel 0: Yeah.\n\nChannel 1: that we're actually just doing some work out the front just to our entryway. So\n\nChannel 0: Yep.\n\nChannel 1: I think once that is done, we might potentially get a couple of the real estate in to sort of just value and see where we're sitting as well. That will also help us with a sort of where to next.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah. So maybe keep it at, you know, either 1.2 or even just high 1.2.\n\nChannel 0: 1.3. Yeah.\n\nChannel 1: That would be our I mean, yeah, that's the dream. But if it's\n\nChannel 0: Yeah.\n\nChannel 1: not, then that's also it is what it is.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's\n\nChannel 1: The\n\nChannel 0: absolutely fine.\n\nChannel 1: market isn't\n\nChannel 0: Yeah.\n\nChannel 1: amazing. So yeah.\n\nChannel 0: Yeah. No. No. Absolutely. No.\n\nNot a problem\n\nChannel 1: Yeah.\n\nChannel 0: at all. And mortgage wise, we had it used over about a 100,000 on the property. Have you been able to reduce that debt a little bit, or has it gone up a bit with improvements? Or\n\nChannel 1: Yeah. I mean, we would technically,\n\nChannel 0: Mhmm.\n\nChannel 1: we own it because, like, we still have the loan against it,\n\nChannel 0: Yep.\n\nChannel 1: but because we offset the loan and we just pay the minimum, you know, just so that we can have a loan\n\nChannel 0: Yes.\n\nChannel 1: available to us for\n\nChannel 0: Yes.\n\nChannel 1: if we need to draw or, you know, anything like that. So we have that. I would say that yeah. I mean, it has yes. It's technically if we wanted to pay it off tomorrow, we could,\n\nChannel 0: Yes.\n\nChannel 1: if that makes sense.\n\nChannel 0: Yes. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: So it's just\n\nChannel 1: But\n\nChannel 0: fully\n\nChannel 1: in\n\nChannel 0: offset. You've got that money sitting in the offset account, a 100 percent\n\nChannel 1: yes.\n\nChannel 0: offsetting the loan? Yep.\n\nChannel 1: Yes. That's right. I mean, I think what do we got? I think it's yeah. We don't have much I think we put, like, 2,000 left on it to pay.\n\nSo\n\nChannel 0: Okay.\n\nChannel 1: yeah. So we still got the loan open, and we just paid very minimally so\n\nChannel 0: Yeah.\n\nChannel 1: that it stays open.\n\nChannel 0: Yep.\n\nChannel 1: And if for whatever reason or, you know, something happens and I mean, I hope I wouldn't need to use that sort of large amount of money,\n\nChannel 0: Yeah.\n\nChannel 1: It's there to withdraw if we if we need to.\n\nChannel 0: Yeah. No.\n\nChannel 1: So\n\nChannel 0: That's perfect. That's fantastic. Excellent. All good. And what else we've got here?\n\nI've got your two cars. So the first car I do apologize. This is car one, car two. The first car\n\nChannel 1: Mhmm.\n\nChannel 0: I have an asset value on is about 65,000. Which\n\nChannel 1: Yep.\n\nChannel 0: one of the cars would you value that at, and what type of car is it? Just so I can make a note here for you.\n\nChannel 1: Oh, yeah. So that that car is the Ford Ranger,\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: and that's probably my primary car as well.\n\nChannel 0: Yep. Perfect. Excellent. And you'd still value that at about 65,000?\n\nChannel 1: Yeah. I think so or maybe even 60. I don't think they've lost a whole lot of value\n\nChannel 0: Yep.\n\nChannel 1: recently, so that's good.\n\nChannel 0: Beautiful. Fantastic. And the second car here was valued at about 2,000. What's the other vehicle that you do have there?\n\nChannel 1: It's just a little Mazda three. It's, I think,\n\nChannel 0: Mazda\n\nChannel 1: my it's my\n\nChannel 0: three.\n\nChannel 1: first car. It's my little running back car.\n\nChannel 0: And you still got it. That's fantastic.\n\nChannel 1: You still got it. Oh, it's a it's fabulous, actually. It's just it's perfect for Paul to go to work in and, yeah, just to run\n\nChannel 0: Yeah.\n\nChannel 1: around in. Yeah. Sounds good.\n\nChannel 0: Oh, fantastic. I love that. It's great. And as I've raised about $2, would you keep it about the same value, do you think?\n\nChannel 1: Yeah. Yeah. It's yeah. It's\n\nChannel 0: Yeah.\n\nChannel 1: worth more to us than it would be to anybody else. So\n\nChannel 0: Yeah. Absolutely. And then I've also got a caravan noted here as well with an asset value of 95,000. Do you still have the caravan?\n\nChannel 1: yes. We do. Yep.\n\nChannel 0: Yep. Perfect. Fantastic. And other assets I do like to note down as well, things I don't have is contents. Do you guys have contents insurance?\n\nChannel 1: Yes. We do.\n\nChannel 0: Yep. Perfect. Do you know what that value might be at or what that would\n\nChannel 1: I,\n\nChannel 0: be to you?\n\nChannel 1: oh, I don't know, actually. I should know this, but I think it's on my husband's, like, account, his side of things.\n\nChannel 0: Yep.\n\nChannel 1: Oh, damn. I should've found this out, sorry, before\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: spoke\n\nChannel 0: You're\n\nChannel 1: to\n\nChannel 0: fine.\n\nChannel 1: him. Because we swapped it over not too long ago.\n\nChannel 0: Yeah.\n\nChannel 1: I can ask him, I mean and I can get back to you if you'd like.\n\nChannel 0: Yeah. That's okay. That's not a problem at all. Estimated wise, do you think you'd value all your content? Like, if you took your house upside down, everything fell out, do you think you'd kinda value that at maybe more than a 100,000, less than a 100,000, just sort of an estimated value?\n\nChannel 1: Yes. I think oh, I can't I think it is something like a 150 to 200,000. So\n\nChannel 0: Yeah. Makes sense. Yep. That's okay.\n\nChannel 1: yeah.\n\nChannel 0: I'll just pop that range in there for you. Not a problem at all.\n\nChannel 1: Thank\n\nChannel 0: Easy\n\nChannel 1: you.\n\nChannel 0: done. And any other anything else of value? Any other, you know, cars, boats, caravans, or collections, tools of trade, or investments that you might have?\n\nChannel 1: No. Not really. My husband, he had, you know, a whole thing of tools that I wouldn't know what it's worth. And then he he currently\n\nChannel 0: Yeah.\n\nChannel 1: keeps it off-site. So like, off sorry.\n\nChannel 0: Okay.\n\nChannel 1: Off from where we are, you know, from our house. It's that's his work,\n\nChannel 0: Yep. Yep.\n\nChannel 1: but I wouldn't know how much that is worth. I'm sorry.\n\nChannel 0: No. That's that's absolutely fine. It's not a problem\n\nChannel 1: Yeah.\n\nChannel 0: at all. And any mostly, just popping down here for you for your offset account, which you've said you have just about $2 under that 100 k, so about 98,000 sitting in the offset.\n\nChannel 1: Yes. So my husband's being so clever. He and look. And we share everything. So\n\nChannel 0: Yeah.\n\nChannel 1: he he opened up a a long term deposit sort of account so that we\n\nChannel 0: Yep.\n\nChannel 1: could gather more interest and yada yada. He has put it in his name, which was not a good idea because, as you know, he is a high income owner. So\n\nChannel 0: Yes.\n\nChannel 1: I said, why don't we\n\nChannel 0: Paystack.\n\nChannel 1: put it in my name? Currently currently, I can't see how much we've got in that account anymore. And I said and look. I said, Jeremy, you know, we had a bit of a joke about him running away, but he's he's not. We I said, yeah.\n\nI'm not running away, but if you can put it into my account even now, you know, we went into that tax not too long ago. And she goes, yes, Paul. Please put it into Tacky's name because\n\nChannel 0: Yes.\n\nChannel 1: that will yeah. Yeah. It's just negating what, you know, you really wanna achieve there. So so, yes, we\n\nChannel 0: Yeah.\n\nChannel 1: yeah. We would have about that. If not, possibly more. Because I haven't checked on\n\nChannel 0: Perfect.\n\nChannel 1: that account.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. Which is yeah. I know. It's quite silly. But, anyways, not to\n\nChannel 0: No.\n\nChannel 1: worry.\n\nChannel 0: No. It's all good. Absolutely. No. Perfect.\n\nExcellent. And do you guys have any credit cards or personal loans or anything,\n\nChannel 1: Yes.\n\nChannel 0: loans of\n\nChannel 1: We've\n\nChannel 0: credit?\n\nChannel 1: got the this week, it's got a Mastercard.\n\nChannel 0: Yep. And I just had what's the limit on that one?\n\nChannel 1: $10,000.\n\nChannel 0: Okay. Beautiful. And is there anything owing, or is it fully paid down?\n\nChannel 1: Yes. But, I mean, we fully pay it off every month. We\n\nChannel 0: Okay.\n\nChannel 1: I know this sounds ridiculous, but we because we just we use the credit card for everything, but we know that\n\nChannel 0: Yep.\n\nChannel 1: it just comes out every month, and we just know, you know, what to spend and whatever.\n\nChannel 0: Yeah.\n\nChannel 1: So that is generally a lot, you know, or depending on what part of the month we're in, you know, because\n\nChannel 0: Yep.\n\nChannel 1: we just generally live off that and pay it off each month. There could be, you know, 3,000 lead owing on it, but then other days, it might be, like, 6,000 or\n\nChannel 0: Yeah.\n\nChannel 1: whatever it is sort of thing. So at the moment,\n\nChannel 0: Yep.\n\nChannel 1: it's currently sitting at $6,419. But\n\nChannel 0: 19\n\nChannel 1: but, I mean\n\nChannel 0: days.\n\nChannel 1: yeah. So it's I understand, you know, debt wise, but, yeah, that's available for us to pay it off when we need to.\n\nChannel 0: Yeah.\n\nChannel 1: Or\n\nChannel 0: Perfect.\n\nChannel 1: it comes\n\nChannel 0: And\n\nChannel 1: out\n\nChannel 0: you've\n\nChannel 1: every\n\nChannel 0: got\n\nChannel 1: month.\n\nChannel 0: the funds\n\nChannel 1: Yeah.\n\nChannel 0: yeah. And you've got the funds there to pay it down if you need to as well. So that's\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: That's right.\n\nChannel 0: fine.\n\nChannel 1: It just auto automatically does it. I mean, we check on it all the time anyway, but,\n\nChannel 0: Yep. Yeah.\n\nChannel 1: yes. It's it's more so for a point thing, to be honest.\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: You know?\n\nChannel 0: Take those.\n\nChannel 1: Yes. Thanks.\n\nChannel 0: Absolutely. No. Fantastic. Well, thank you for updating those. Appreciate that.\n\nNow thinking about your sofa, we're looking at we had here your goal was hopefully to retire around about the age 65. And, mean,\n\nChannel 1: Mhmm.\n\nChannel 0: having a\n\nChannel 1: Yep.\n\nChannel 0: look at things, you're 35 this year in July. So you've\n\nChannel 1: Mhmm.\n\nChannel 0: still got a lot of time ahead of you there, but is 65 still your goal age at the moment?\n\nChannel 1: Yes, please. Yep.\n\nChannel 0: Yep. Beautiful. Anytime that we're looking to draw try and draw income of about $1,200 per week. Is that solely from your super, or is that kind of a combined for you and Paul in retirement, do you think?\n\nChannel 1: Oh, it's probably Paul's a much better contributor to Super\n\nChannel 0: Yep.\n\nChannel 1: than I am. That's yeah. So that would be,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, a little bit of on Paul as well.\n\nChannel 0: Yeah. That's okay. So that'd\n\nChannel 1: Yeah.\n\nChannel 0: be a combined goal, like, income\n\nChannel 1: Yeah.\n\nChannel 0: amount. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Lovely. And at the moment, so with you working three days a week, I can see your employer contributions are going in, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: You don't really have capacity, or did you wanna look at maybe salary sacrificing or being able to make additional contributions to super, or is it something you'd not really prefer to do now with small kids?\n\nChannel 1: Yeah. I'd rather hold off until I was back at least four days a week something, which I don't endeavor\n\nChannel 0: Yep.\n\nChannel 1: sort of doing until my youngest is five or when, you know, she starts school. And even then, I don't\n\nChannel 0: Yes.\n\nChannel 1: even know if I'll go back full time, to be honest. And that sounds terrible, but\n\nChannel 0: Yep. No.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: maybe one said that, you know, that a little bit even older and, you know, you're not attending school based events all that much. Potentially,\n\nChannel 0: Yeah.\n\nChannel 1: I go back full time, but, yeah, I'm very happy just working part time.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I love that. Yeah. No. Excellent. All good.\n\nFantastic. Well, Jeff also on the topic of your super, I know Michelle is gonna send you a copy of your annual review doc shortly for you. But your balance in super this time last year, you had about sorry. If I go backwards here, market value was showing a 120,305 and 7¢. Today, looking here, your balance is up to a 143,088 and 61¢.\n\nSo you have seen a really good increase there.\n\nChannel 1: Yes. Yep.\n\nChannel 0: When we sort of break down the income and the growth, income wise, you've earned a bit over 2,800, and growth wise,\n\nChannel 1: Mhmm.\n\nChannel 0: you're over 13,000 there. So your portfolio as a whole net of fees has made over 16,198, which gives you about 11.15% return net of fees this year. So not bad at\n\nChannel 1: Yep.\n\nChannel 0: all.\n\nChannel 1: That's fabulous. Thank you.\n\nChannel 0: Yeah. That's okay. When we do look at the investments as individuals, they've all been performing\n\nChannel 1: Yep.\n\nChannel 0: quite well. I know\n\nChannel 1: Yes.\n\nChannel 0: we have seen a bit of ups and downs in the market with what's been going on globally.\n\nChannel 1: Yes.\n\nChannel 0: One of the big factors is The U the Iran and the US war going on, which has sort\n\nChannel 1: Yes.\n\nChannel 0: of impacted everyone globally\n\nChannel 1: Yep.\n\nChannel 0: there. But then here in Australia, we've also had higher inflation, which has also kind of had a little bit of an impact on the local economy as well as\n\nChannel 1: Yep.\n\nChannel 0: fixed interest does have a bit of an impact when and does take a bit of a battering when we do have high inflationary rates as well. So when I look at sort of all your portfolio individually, looking at your performance this year, your battery and lithium tech is up really well. It's probably your best performer for the year, up\n\nChannel 1: Mhmm.\n\nChannel 0: about 92.8%, which is great to see. Cybersecurity has had a little bit of a\n\nChannel 1: Mhmm.\n\nChannel 0: a down point. It's down by that 2.44%. It's facing it down because of what's going on between Iran\n\nChannel 1: Of course.\n\nChannel 0: and The U\n\nChannel 1: Yeah.\n\nChannel 0: The US at the moment,\n\nChannel 1: Mhmm.\n\nChannel 0: but it is still a good investment. It's just having a bit of a dip period, so it is still worth keeping that investment in there.\n\nChannel 1: Yep.\n\nChannel 0: You're looking at the bank hybrids again. These are more defensive investment, and they are doing really well. You're up over 3.88% for that investment\n\nChannel 1: Mhmm.\n\nChannel 0: individually, and that's absolutely fine. It's defensive as a lower risk investment, so we do expect it to receive a lower rate of return, which is fine.\n\nChannel 1: Yep.\n\nChannel 0: And defensive investments are also good for income producing. You want dividends and income payments which get paid into your cash account so they\n\nChannel 1: Yes.\n\nChannel 0: can be reinvested back\n\nChannel 1: Yeah.\n\nChannel 0: into your portfolio for compounding, which is really cool.\n\nChannel 1: Okay.\n\nChannel 0: You've got the beta shares Raffy in there, which is giving you exposure to mid and small cap Australian companies, and that's up by 16.85%. That is a really good return for what's been happening globally for the year, so it's a good performer. And physical gold has done phenomenal. Your physical gold is up 26.42%. Physical\n\nChannel 1: Mhmm.\n\nChannel 0: gold is up over 30% for the year as a whole, so really, really happy to see that moving upwards there.\n\nChannel 1: Yep.\n\nChannel 0: We've also got the the iShares S and P 500, which is giving you exposures to 500 companies in The US. And even\n\nChannel 1: Mhmm.\n\nChannel 0: with what's been happening here, you're up by 14.01%, which is really good to see. And then the China new economy is up over 20%, so it has been performing nicely as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And property the Banak property ETF unit, so it's down by 2.26%. That has\n\nChannel 1: Yep.\n\nChannel 0: seen a little bit of a decrease there just with what's been happening with high inflationary rates. Essentially, inflation's taken a bit of a a hit with property. It does make it half of people to borrow, but commercial property is also seeing a little bit of a a down point with what's been happening with the war as well. So there's,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: you know,\n\nChannel 1: Yep.\n\nChannel 0: quite a quite an up and down period with the property side of things for\n\nChannel 1: Mhmm.\n\nChannel 0: the ETF there. We've been along Australian equities in your portfolio. That is down a bit more significantly. It's down by\n\nChannel 1: Mhmm.\n\nChannel 0: 20% in your portfolio. Because\n\nChannel 1: Okay.\n\nChannel 0: we've received a net return overall of over 11.15%, it honestly had very little impact on your portfolio and the\n\nChannel 1: Yep.\n\nChannel 0: overall return, but Bennelong has seen a bit of a dip. It isn't performing as well as we would like. And when I kinda went back and reviewed everything, I'd like to maybe remove that ad and put something else in its place for you.\n\nChannel 1: Yep.\n\nChannel 0: Bennelong was originally put in there as an active manager. So the idea of an active investment manager is that they're buying and selling, and they're trying to outperform against the market. But Bennelong hasn't been able to do that this year, and they've had some underlying issues within their portfolio. So I'd like to maybe look at removing that out for you, doing a bit of an investment switch. And I can also just go back and double check the investments within the portfolio, make sure you're not overexposed to any risks there, maybe just do a rebalance if need be as well.\n\nAre you comfortable with me looking\n\nChannel 1: Yeah. That'd be great. Thank you.\n\nChannel 0: at that\n\nChannel 1: Yep.\n\nChannel 0: for you? Fantastic. All good. When we do look at the way investments are, there are a couple of options I can look at to replace Benelon. I've done a bit of research and tried to sort of look at what we can maybe do to remove it for you.\n\nWe\n\nChannel 1: Mhmm.\n\nChannel 0: have we can look at replacing it with another active manager.\n\nChannel 1: Yep.\n\nChannel 0: When when we have active investment managers in our portfolio, you do pay a little bit more in the way management fees for those sorts of things, and the assets\n\nChannel 1: Mhmm.\n\nChannel 0: manager is supposed to be trying to outperform against the market.\n\nChannel 1: Yep.\n\nChannel 0: All in all, there's no guarantee that they're going to outperform. Not every active manager does every single year.\n\nChannel 1: Yep.\n\nChannel 0: Alternatively, if you wanted, I could look at something a bit cheaper, look at more of a passive investment to replace it. We're still giving you access to the Australian market, maybe look at a bit more diversification, but also\n\nChannel 1: Mhmm.\n\nChannel 0: maybe saving an investment fee, something a bit cheaper. Did you want me to try and keep that active management, or did you want me to look at something a bit cheaper for you?\n\nChannel 1: It's tricky because things are so up in the air at the moment, aren't they?\n\nChannel 0: Yeah. Well, the good thing\n\nChannel 1: Yeah.\n\nChannel 0: about a passive investment is when the markets are essentially, with the to kind of break it down and make it a bit easier for you, with an active manager, they're trying to outperform against the market. So when the markets are down, they're trying not to dip as much as the markets are. They're trying to buy and sell and pick where's gonna be the next a good option or where the next, you know, increase is gonna be. They don't always meet that. The option\n\nChannel 1: Mhmm.\n\nChannel 0: to having a passive investment in there would be that you were tracking the market. You're not trying to outperform against the market. The managers are just tracking with what the market is doing.\n\nChannel 1: Yes.\n\nChannel 0: Often, over the longer term, those passive investments, which are cheaper, can actually outperform against active managers because they are just tracking the market. They're not trying to buy and sell and pick the top and the bottom of the market to move in and\n\nChannel 1: Yeah.\n\nChannel 0: out of positions. They're just following through with the the market does in participating, and that can\n\nChannel 1: Mhmm.\n\nChannel 0: be a bit cheaper for you and can create\n\nChannel 1: Yep.\n\nChannel 0: more diversification if you wanted to\n\nChannel 1: Mhmm.\n\nChannel 0: look at that.\n\nChannel 1: Yeah. My brain when you were talking about it before I went like, it would it was sort of going towards that anyway.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I'm maybe not to me just wanting to save that. But, yeah, I'm\n\nChannel 0: No.\n\nChannel 1: happy to possibly look at the passive option if that's okay.\n\nChannel 0: Yeah. Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. I've got a few options either way to look at. So I'll\n\nChannel 1: Mhmm.\n\nChannel 0: have a look at what passive options we've got here for you, and\n\nChannel 1: Yep.\n\nChannel 0: I'll just do a bit of an investment switch. I'll go back and review the portfolio as a whole just sort of see where you might be up and down. We also tend to do a bit of a rebalance every now and then, and that's essentially when you if you were to say where if I mean, we I know when we kind of recommended these investments, it was sort of recommended to hold different amounts of all the interesting investments. But as a bit of an example, if you had, say, being recommended 10% in every investment and, say, one investment went down to, say, 5%, another one went up, say, 15%, the investment sector up can tend to increase the level of risk you end up being overexposed. And the investments\n\nChannel 1: Yes.\n\nChannel 0: that have gone down a little bit, they might be, you know, decreasing the risk or, again, you know, reducing or increasing the risk level depending on what it is that's gone up and down. So rebalancing\n\nChannel 1: Yes.\n\nChannel 0: your portfolio, selling off some of the growth that the portfolio has seen, reinvesting it back in the areas where there is a little bit bit of a dip, they'll take advantage of the downside. It also helps to rebalance and make sure you're not taking too much risk in certain areas of your portfolio. So are you comfortable with me just reviewing the level you have and maybe rebalancing if we need to as well?\n\nChannel 1: Yes. That's fine. Thank you.\n\nChannel 0: Yes. Beautiful. That's okay. Do you have any questions about any of that so far at all?\n\nChannel 1: No. You've explained it very well. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: That's okay. Not a problem at all. What I'll do there for you, Jackie, is we'll I'll go back and have a look at everything for you. We'll do\n\nChannel 1: Yep.\n\nChannel 0: up an investment switch document for you as a new statement of advice. We'll come\n\nChannel 1: Mhmm.\n\nChannel 0: back and go through that together, and then you can decide whether you take the the recommendations or not. Okay?\n\nChannel 1: Okay. Yep. That's wonderful.\n\nChannel 0: Excellent.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. That's not a problem at all, but it's really good to see your portfolio has done well for the year. That's fantastic. Good to see.\n\nChannel 1: Yeah. That was good. Thank you.\n\nChannel 0: Yeah. Not a problem at all. I got oh, sorry. My earphone just dropped up. Okay.\n\nHaving a look here, I've also got your insurances. So I know when Veronica did the last statement of advice for you, we've transferred your cover into Hub twenty four. So to give you a bit of an\n\nChannel 1: Yep.\n\nChannel 0: idea, at\n\nChannel 1: Yep.\n\nChannel 0: the moment, in the event of a life or TBD event, the sum insured you have is about 407,000 and\n\nChannel 1: Yep.\n\nChannel 0: 24 and 64¢. Are you happy with the level of cover? Did you wanna look at maybe reevaluating the life and TBD that you do have? Or\n\nChannel 1: No. I think that's fine. Look. I honestly,\n\nChannel 0: that's okay?\n\nChannel 1: if I was to, yeah, if I was to leave the world, I know that my husband would be I mean, he would be distraught, but he would be okay. You\n\nChannel 0: Yeah.\n\nChannel 1: know, financially,\n\nChannel 0: Yeah.\n\nChannel 1: he would be okay. So\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. It is\n\nChannel 1: yeah.\n\nChannel 0: good. You are paying any a small amount for that one. So for the year, it's about a $181.68 for the insurances. And it just means that if anything does happen and as much as your mortgage is basically fully offset, your life cover and your is paid out then. I believe I should have Paul down as your beneficiary,\n\nChannel 1: Yes.\n\nChannel 0: but it means that it's paid out so that he can take some time off to look after the kids to grieve to work out what he needs to do and, you know, look\n\nChannel 1: Yes.\n\nChannel 0: organize childcare and things like that. So it does give him a bit of a buffer, which is good to see.\n\nChannel 1: Yes.\n\nChannel 0: I can see here, so you don't have any income protection in the event that you work and stop work completely or not able to go to work due to illness or injury. I know you are offsetting the mortgage completely at the moment. But\n\nChannel 1: Mhmm.\n\nChannel 0: do you feel like Paul's income would be sufficient? You don't feel you need any, like, income protection at all?\n\nChannel 1: No. I'm okay. Yeah. Thank you.\n\nChannel 0: Yep. That's okay. That's not a problem at all. And I believe Veronica would have sort of talked to you about trauma in the past as well. Do you remember sort of going through what the options are for trauma insurances and how that works?\n\nOr did you want me to go through that with you?\n\nChannel 1: Oh, yes. I do remember going through that. Yeah. I'm\n\nChannel 0: Yeah.\n\nChannel 1: okay currently\n\nChannel 0: That's\n\nChannel 1: at\n\nChannel 0: okay?\n\nChannel 1: the moment. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Thank you.\n\nChannel 0: Not a problem at all. That's all good. I'll retain the life and TBD there for you. No additional insurances to worry about. If anything did come up and you wanted to kinda go through or have more of a conversation around those, just please feel free to let us know.\n\nIt's not a problem at all. Okay?\n\nChannel 1: Yep. Okay. Great. Thank you.\n\nChannel 0: Fantastic. Easy done. So the updated document with regard to the portfolio report and also your updated balance will be in that email coming through shortly to you with regards to the annual review document. We\n\nChannel 1: Yep.\n\nChannel 0: do also have in there the ongoing service agreement for the for the next twelve months there as well. So just to\n\nChannel 1: Mhmm.\n\nChannel 0: kinda go through, because yourself and Paul are both clients, you do pay an ongoing service fee for our services of 1.1%. It is down from the normal 1.65 because you guys are both together as a couple\n\nChannel 1: Yep.\n\nChannel 0: on board.\n\nChannel 1: Mhmm.\n\nChannel 0: That is deducted on on a monthly basis in smaller monthly increments there. So we will attach the ongoing service agreement for you. If you are happy to, you know, continue with our services, we'll just need to sign and return that back.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: at any point you find you're not comfortable, you don't like the service that you're receiving, please let me know. More than we'd be happy to turn it off and roll you to wherever you'd like to go. We wanna make sure that we are doing the work for you and updating the advice and working towards your goals.\n\nChannel 1: Yep.\n\nChannel 0: And as part of going back and reviewing the portfolio, maybe moving back along and, you know, altering the investments a little bit there, I'll be looking at how this affects you long term. With\n\nChannel 1: Yeah.\n\nChannel 0: the advice that I do provide, I know back in the day you were given a document and it showed here you had your the projections right up until essentially retirement at the age of 60\n\nChannel 1: Mhmm.\n\nChannel 0: five there. With\n\nChannel 1: Yes.\n\nChannel 0: the documents I do, under best interest, I don't feel because you are still so young and your life can change so heavily over the next ten years,\n\nChannel 1: Yep.\n\nChannel 0: I will show you a projection over what the next ten years is expected to look like based on the updated changes, and then we just wanna keep reviewing it moving forward there.\n\nChannel 1: That's\n\nChannel 0: I just\n\nChannel 1: fine.\n\nChannel 0: think yeah. Just,\n\nChannel 1: Yep.\n\nChannel 0: you know, just too much that could change\n\nChannel 1: It's\n\nChannel 0: in\n\nChannel 1: getting\n\nChannel 0: the\n\nChannel 1: a\n\nChannel 0: next\n\nChannel 1: little really\n\nChannel 0: sort of\n\nChannel 1: switched\n\nChannel 0: thirty\n\nChannel 1: off.\n\nChannel 0: odd years.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. So focusing on the shorter term and building towards your goals is definitely working better. But I also don't wanna sort of show you a unrealistic projected amount as well because markets do change, and we know cycles happen every sort of seven to ten years as well. So I just wanna let you know that's how I kinda do the advice side of things. But I'll show\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: you what the advice document looks like, and then you'll be able to come back and let me know what you know, if you have any questions, whether you're happy to take the recommendations. Any recommendations we do make are just recommendations. So you get to decide whether you take all\n\nChannel 1: Yes.\n\nChannel 0: of them, some of them, or none of them at all. Okay?\n\nChannel 1: Yes. Okay. That's great. Thank\n\nChannel 0: Fantastic.\n\nChannel 1: you.\n\nChannel 0: Beautiful. The only other thing to kind of update with you is looking at your will and power of attorneys and things. Do you guys have a will? Have you ever had a will and power of attorneys drawn up or guardianship and things like that?\n\nChannel 1: Yes. We have. Yeah. When we\n\nChannel 0: You have?\n\nChannel 1: when we had the kids in that, we\n\nChannel 0: Yep.\n\nChannel 1: made sure\n\nChannel 0: Beautiful.\n\nChannel 1: that was all done. Yep.\n\nChannel 0: Fantastic. So all updated, all reflects your circumstances and your wishes correctly?\n\nChannel 1: Yes. I do. Yep.\n\nChannel 0: Yeah. Beautiful. Fantastic. Good to know. I'll double check that Paul is down as your beneficiary on all the documents there as well.\n\nAnd Michelle has\n\nChannel 1: Yep.\n\nChannel 0: also let me know that she has organized for your password to be reset to your hub 24 super as well. And you\n\nChannel 1: Okay.\n\nChannel 0: should receive the the password reset should receive the email or the request whilst on the phone now. So, hopefully,\n\nChannel 1: Oh,\n\nChannel 0: it comes\n\nChannel 1: okay.\n\nChannel 0: through if it hasn't already. Okay?\n\nChannel 1: Yep. Okay. Yep. Terrific.\n\nChannel 0: All\n\nChannel 1: Thank\n\nChannel 0: good.\n\nChannel 1: you.\n\nChannel 0: That's okay. Now the only other thing to kinda check with you is with regard to the risk\n\nChannel 1: Mhmm.\n\nChannel 0: profile. So, look, you have had a really great return for the year. With your portfolio at the moment, you are in a high growth portfolio, so it does generally see about 90% of your super invested in growth assets. So looking\n\nChannel 1: Yep.\n\nChannel 0: at things like Australian shares, international shares, listed property, and commodities like gold and silver there,\n\nChannel 1: Yep.\n\nChannel 0: this sort of a portfolio does suit someone who's not gonna access a super in the next, you know, eight to ten years, essentially.\n\nChannel 1: Mhmm.\n\nChannel 0: You do have\n\nChannel 1: Yep.\n\nChannel 0: a bit of time on your side. You're wanting to get those greater upside benefits when the markets are performing, but you're also aware in the shorter term when the markets have a bit of a downtime that that downtime can be magnified a little bit as well. So we do expect\n\nChannel 1: Yes.\n\nChannel 0: short term volatility and ups and downs. Did you wanna reevaluate that that risk profile, or are you comfortable staying in that sort of environment for a little bit longer?\n\nChannel 1: Yeah. I'm comfortable staying in that for now.\n\nChannel 0: Yep.\n\nChannel 1: As I said,\n\nChannel 0: Yep.\n\nChannel 1: got a little while ago. I know that's that's,\n\nChannel 0: Yeah.\n\nChannel 1: you know, not maybe the greatest response\n\nChannel 0: No. It's\n\nChannel 1: by saying\n\nChannel 0: fine.\n\nChannel 1: that you've got time, but,\n\nChannel 0: Yeah.\n\nChannel 1: you know, taking risk and everything in into into account, I think, thankfully, I do have time on my side. But,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah, I think leaving\n\nChannel 0: Yeah.\n\nChannel 1: it there is we're happy with that. Yeah. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Fantastic. Not a problem at all. Well, I'll organize and make sure you're in that high growth environment. I'll reevaluate it at this level. You are taking a look at the diversification aspect there for you and the investments and see if we need to rebalance anything for you.\n\nChannel 1: Yes.\n\nChannel 0: When I do look into the research, I also take into account the the capital gains consequences because your super fund, just like you, it does a tax return every year. So when we do switch investments, your super\n\nChannel 1: Yeah.\n\nChannel 0: fund does pay taxes for that. So\n\nChannel 1: Yes.\n\nChannel 0: I will show you the consequences of the recommendations I make, and I try to minimize those tax consequences as much as possible whilst making sure that we can rebalance and check your portfolio and see what's going on with it as well. Okay?\n\nChannel 1: Mhmm. Okay. Yep. That's\n\nChannel 0: Beautiful.\n\nChannel 1: great. Thank you.\n\nChannel 0: Now catch up wise, Zach, Did you want us to do a bit more of a catch up with you sort of once every three or six months? Or are you happy just with an annual review once every twelve months? What would you like to see a bit more down the track?\n\nChannel 1: I mean, I know we would we'll talk again soon anyway.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Half yearly is fine. Six months, like, that's\n\nChannel 0: Six\n\nChannel 1: fine.\n\nChannel 0: months. Yep.\n\nChannel 1: Yeah. Unless unless sort of circumstances were to change\n\nChannel 0: Yeah.\n\nChannel 1: for us, and potentially, we did need some advice on\n\nChannel 0: Yep.\n\nChannel 1: moving forward if we were to buy or, you know, move\n\nChannel 0: Yep.\n\nChannel 1: or change some or just in large life decisions,\n\nChannel 0: Yes. Yeah.\n\nChannel 1: then maybe I would have to we would we might change that just to talk to you about even, you know, things like, you know, talking to a broker or\n\nChannel 0: Yeah.\n\nChannel 1: and, yeah, possibly even looking more so in in tax and saving where we can there. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: there there are conversations that, yeah, can come later, but they they're in they're in a, you know, in a in my brain somewhere. They're just not ready right now.\n\nChannel 0: Yeah. No. That's absolutely fine. That's not a problem. And, look, you're not limited to six months.\n\nSo if you decide, you know, down the track you wanted just an ad hoc conversation or had some questions randomly, feel free to let us know. My team will definitely book you in. There's you know, you don't have to stick to six months. If you go, you know, one month, you just want an extra chat, let me know. That's what I'm here for,\n\nChannel 1: Yep.\n\nChannel 0: so there's\n\nChannel 1: Yep.\n\nChannel 0: no problem at all. Okay?\n\nChannel 1: Uh-huh. Yep. That's great. Thank\n\nChannel 0: Perfect.\n\nChannel 1: you.\n\nChannel 0: All good. Not an issue at all. Is there anything else that you maybe wanted to ask or anything else you maybe wanted me to touch on with regards to the review? Or any other questions that you might have?\n\nChannel 1: No. No. I think I think\n\nChannel 0: No.\n\nChannel 1: that's that's great. I appreciate you looking at,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, my portfolio and\n\nChannel 0: Absolutely.\n\nChannel 1: I mean, looking at everything, but also going through yeah. But it's I I know how comprehensive it is, and then it's amazing, the stuff that you guys do. So thank you.\n\nChannel 0: Yeah. Oh, thank you.\n\nChannel 1: But, yeah, I know that I know we'll we'll talk again soon anyway about\n\nChannel 0: Yeah.\n\nChannel 1: that massive investment anyway. So\n\nChannel 0: Absolutely.\n\nChannel 1: and thank you for, yeah, looking at that and rebalancing\n\nChannel 0: No problem.\n\nChannel 1: my portfolio. So that'll be great.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Not\n\nChannel 1: No.\n\nChannel 0: an\n\nChannel 1: I think\n\nChannel 0: issue\n\nChannel 1: that's\n\nChannel 0: at all.\n\nChannel 1: good.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Fantastic. No worries. Well, I will get cracking on that research for you. The annual review docs will come through to you shortly. If you do happen to have any questions, please do let me know.\n\nI also do get Michelle to add in there the financial services guide, which outlines everything about who I am, my license number, and the information on us as well. So if you wanted to look me up or, you know, get the information or have a look at who what I look like, that's all in\n\nChannel 1: Mhmm.\n\nChannel 0: there\n\nChannel 1: Yes.\n\nChannel 0: for you as well. Okay?\n\nChannel 1: Okay. Oh, wonderful. Great.\n\nChannel 0: Beautiful.\n\nChannel 1: Thank you. Yep.\n\nChannel 0: No\n\nChannel 1: I'll\n\nChannel 0: worries.\n\nChannel 1: I'll sign\n\nChannel 0: I'll\n\nChannel 1: that\n\nChannel 0: let you\n\nChannel 1: and\n\nChannel 0: go.\n\nChannel 1: then okay. Great.\n\nChannel 0: Easy.\n\nChannel 1: Thank you.\n\nChannel 0: Easy. I hope the kids are all okay and feel better soon.\n\nChannel 1: Thank\n\nChannel 0: Oh,\n\nChannel 1: you. Yes. I popped a movie on. I I saw you calling. I was like, okay.\n\nMovies, snacks, don't go.\n\nChannel 0: all good. Well, thank you so much for your time. I hope you have a lovely afternoon.\n\nChannel 1: Thank you. Yes. You too, Diana. Thank you.\n\nChannel 0: Thanks, Jackie. I'll talk to you soon. Thank you.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.76,"sentiment":"neutral","sentiment_score":0.031219743192195892},{"text":"Jessica speaking.","start":1.76,"end":2.58,"sentiment":"neutral","sentiment_score":0.026425556279718876}],"sentiment":"neutral","sentiment_score":0.02802361858387788,"channel":1,"num_words":3,"start":1.4399999,"end":2.58},{"sentences":[{"text":"Hi, Jackie.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13966836780309677},{"text":"This is Dana from OC Financial.","start":3.6799998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.1863533283273379},{"text":"How are you this morning?","start":5.3599997,"end":6.5,"sentiment":"neutral","sentiment_score":0.23117330372333528}],"sentiment":"neutral","sentiment_score":0.19640947878360748,"channel":0,"num_words":13,"start":3.04,"end":6.5},{"sentences":[{"text":"Good.","start":6.72,"end":7.04,"sentiment":"positive","sentiment_score":0.42548561096191406},{"text":"How are you?","start":7.04,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.30298589666684467}],"sentiment":"positive","sentiment_score":0.33361082524061203,"channel":1,"num_words":4,"start":6.72,"end":7.7799997},{"sentences":[{"text":"I'm very well.","start":8.08,"end":8.88,"sentiment":"positive","sentiment_score":0.6004345417022705},{"text":"Thank you.","start":8.88,"end":9.28,"sentiment":"positive","sentiment_score":0.669249027967453},{"text":"I had you booked in to go through your annual review.","start":9.28,"end":11.28,"sentiment":"neutral","sentiment_score":0.3049390912055969},{"text":"Is now still a good time here for you?","start":11.28,"end":13.38,"sentiment":"neutral","sentiment_score":0.308206202255355}],"sentiment":"positive","sentiment_score":0.37071950018405914,"channel":0,"num_words":25,"start":8.08,"end":13.38},{"sentences":[{"text":"Yeah.","start":13.44,"end":13.679999,"sentiment":"neutral","sentiment_score":0.09875762462615968},{"text":"That's fine.","start":13.679999,"end":14.24,"sentiment":"neutral","sentiment_score":0.11808525770902634},{"text":"I just got both kids at home, I think,","start":14.24,"end":16.485,"sentiment":"neutral","sentiment_score":0.012430375234948264}],"sentiment":"neutral","sentiment_score":0.03723345976322889,"channel":1,"num_words":12,"start":13.44,"end":16.485},{"sentences":[{"text":"Uh-huh.","start":16.345,"end":16.845,"sentiment":"neutral","sentiment_score":-0.007994367741048336}],"sentiment":"neutral","sentiment_score":-0.007994367741048336,"channel":0,"num_words":1,"start":16.345,"end":16.845},{"sentences":[{"text":"so that's","start":16.625,"end":17.105,"sentiment":"neutral","sentiment_score":-0.026134888641536236}],"sentiment":"neutral","sentiment_score":-0.026134888641536236,"channel":1,"num_words":2,"start":16.625,"end":17.105},{"sentences":[{"text":"No.","start":17.065,"end":17.305,"sentiment":"neutral","sentiment_score":-0.09379756450653076}],"sentiment":"neutral","sentiment_score":-0.09379756450653076,"channel":0,"num_words":1,"start":17.065,"end":17.305},{"sentences":[{"text":"okay.","start":17.105,"end":17.605,"sentiment":"neutral","sentiment_score":-0.05796711146831513}],"sentiment":"neutral","sentiment_score":-0.05796711146831513,"channel":1,"num_words":1,"start":17.105,"end":17.605},{"sentences":[{"text":"That's okay.","start":17.305,"end":18.025,"sentiment":"neutral","sentiment_score":0.007864128798246384},{"text":"That's okay.","start":18.025,"end":18.825,"sentiment":"neutral","sentiment_score":0.06433067470788956},{"text":"I can try to not take up too much of your time.","start":18.825,"end":20.904999,"sentiment":"neutral","sentiment_score":-0.09253262790540855},{"text":"If you find that you do need to stop for any reason, just let me know, but we can try to jump through it as quickly as possible for you if that's easier.","start":20.904999,"end":27.885,"sentiment":"neutral","sentiment_score":-0.037633270476803635}],"sentiment":"neutral","sentiment_score":-0.045059180685452054,"channel":0,"num_words":49,"start":17.305,"end":27.885},{"sentences":[{"text":"Yep.","start":27.84,"end":28.24,"sentiment":"neutral","sentiment_score":0.0730956494808197},{"text":"Yep.","start":28.24,"end":28.56,"sentiment":"neutral","sentiment_score":0.13398709893226624},{"text":"That's great.","start":28.56,"end":29.199999,"sentiment":"positive","sentiment_score":0.45808517932891846},{"text":"Thank you.","start":29.199999,"end":29.68,"sentiment":"positive","sentiment_score":0.38065215945243835},{"text":"Sorry.","start":29.68,"end":30.18,"sentiment":"neutral","sentiment_score":0.05612904950976372}],"sentiment":"neutral","sentiment_score":0.2772409250693662,"channel":1,"num_words":7,"start":27.84,"end":30.18},{"sentences":[{"text":"Oh, no.","start":29.77,"end":30.33,"sentiment":"neutral","sentiment_score":-0.012231259606778622},{"text":"That no.","start":30.33,"end":31.050001,"sentiment":"neutral","sentiment_score":-0.0464794896543026},{"text":"You're absolutely fine.","start":31.050001,"end":32.33,"sentiment":"neutral","sentiment_score":0.042516673604647316},{"text":"I completely understand.","start":32.33,"end":33.61,"sentiment":"neutral","sentiment_score":0.08695539211233456},{"text":"Again, I'm actually working from home today because 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They also discussed the customer's income and goals for the future, and the possibility of moving to a smaller property. The customer is interested in buying a property and may be willing to negotiate a deal. They also discussed the uncertainty surrounding current investments and the need for investment property to minimize tax payments. The speakers provided information on their current cars and assets, discussed retirement goals and retirement plans, and discussed risk profiles and passive investments. They also provided updates on their risk profile and offer advice on tax consequences and rebalancing their portfolio."},"intents":{"segments":[{"text":"I know Michelle has been trying to update your address your email address for you as well.","start_word":239,"end_word":255,"intents":[{"intent":"Update email address","confidence_score":0.014801454}]},{"text":"And just to confirm, I am discussing your personal information. So just in security, get you to confirm your full name, your date of birth, and address I should have on file. Yep.","start_word":351,"end_word":383,"intents":[{"intent":"Confirm personal details","confidence_score":0.0016869059}]},{"text":"So last year, we had your income at around about 45,000 per annum. Do you think it's kinda going up or down from there a little bit? Yep.","start_word":549,"end_word":576,"intents":[{"intent":"Discuss income","confidence_score":0.0011136829}]},{"text":"And moving forward over the next sort of twelve months, do you guys have any goals that you're looking to achieve? Anything financially or personally? Look.","start_word":665,"end_word":690,"intents":[{"intent":"Discuss goals","confidence_score":0.22639415}]},{"text":"But we just thought, you know, we're in the position that we could buy it outright. However, if we were then to because we've been looking at properties and things like that, Mhmm. We wanted to have, you know, I guess, that sort of chunk of money sitting there as well in case something came up that we, you know, loved. Yes. Yeah.","start_word":732,"end_word":794,"intents":[{"intent":"Evaluate financing options","confidence_score":0.0020231167}]},{"text":"we would possibly sell that. Yeah.","start_word":1286,"end_word":1291,"intents":[{"intent":"Plan house sale","confidence_score":0.00014457089}]},{"text":"So the land that we're we're looking we have there is something that, you know, we've we've sort of been negotiating with a realtor at the moment and people. The land that we were looking at is it could be subdivided. So Okay.","start_word":1293,"end_word":1335,"intents":[{"intent":"Negotiate land for sale","confidence_score":0.0018277982},{"intent":"Negotiate with realtor","confidence_score":0.020313779}]},{"text":"But it's just the property that we've been looking at. It's it's a funny one. Like, it's over a couple of different it's a deceased sort of a state, but, you know, the the family Right. has it all in different I think there's a couple of different titles, and it's all Right.","start_word":1401,"end_word":1453,"intents":[{"intent":"Mention property details","confidence_score":0.00015727784},{"intent":"Explain property type","confidence_score":0.01559955}]},{"text":"a little bit messy. So, yeah, we've put Yep. in an offer and then yeah. It's probably, like, you know, very much labeled it, but yeah. We'll see what comes back from it because, I mean, now we we know that if somebody else puts in an offer then, you know, you can go back Yeah. and forth.","start_word":1453,"end_word":1510,"intents":[{"intent":"Express confusion","confidence_score":0.0017927609}]},{"text":"We've said, you know, we would like to purchase a land. So we put an offer on that lot that it's under because they're in all different lots. Yep.","start_word":1618,"end_word":1646,"intents":[{"intent":"Inquire about sale offer","confidence_score":0.00006174974}]},{"text":"not something. I mean, it's a ridiculous amount of money that they want for it, so we said no. Yeah. No. And and Fair the house enough. that's on it, it's just it's it's all run down and, yeah, it's pretty crappy in that. But Yep. yeah.","start_word":1666,"end_word":1712,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.025474006}]},{"text":"So, I mean yeah, it it has a lot of potential, but just I think it'll just be how far we can go with it or how far the owner will go.","start_word":1714,"end_word":1745,"intents":[{"intent":"Explore property options","confidence_score":0.008944327}]},{"text":"you just kind of the merger of what you're just wanting to do is about finding the right property, the right, you know, amount you're willing to pay, but then also working out, you know, down the track what you just wanna be able to do with that as well. So Yeah.","start_word":2481,"end_word":2532,"intents":[{"intent":"Find right property","confidence_score":0.21832605}]},{"text":"we had an asset value last year of about 1,200,000. Value wise, do you think that's probably gone up a little bit? Would you revalue that a bit more? Or Mhmm.","start_word":2549,"end_word":2579,"intents":[{"intent":"Revalue asset","confidence_score":0.35829428},{"intent":"Determine value","confidence_score":0.061369155}]},{"text":"So maybe keep it at, you know, either 1.2 or even just high 1.2. 1.3. Yeah. That would be our I mean, yeah, that's the dream. But if Yeah. it's not, then that's also it is what it is. Yeah. Yeah. No. That's The absolutely fine. market isn't Yeah. amazing. So yeah.","start_word":2694,"end_word":2745,"intents":[{"intent":"Assess market position","confidence_score":0.0035380407}]},{"text":"Because I haven't checked on Perfect. that account. Perfect. Yeah.","start_word":3810,"end_word":3819,"intents":[{"intent":"Check account status","confidence_score":0.19650106}]},{"text":"Now thinking about your sofa, we're looking at we had here your goal was hopefully to retire around about the age 65. And, mean, Mhmm. having a Yep. look at things, you're 35 this year in July. So you've Mhmm. still got a lot of time ahead of you there, but is 65 still your goal age at the moment?","start_word":4135,"end_word":4194,"intents":[{"intent":"Evaluate retirement goals","confidence_score":0.05970877}]},{"text":"If I go backwards here, market value was showing a 120,305 and 7<unk>.","start_word":4498,"end_word":4510,"intents":[{"intent":"Show market value","confidence_score":0.0012255433}]},{"text":"When we sort of break down the income and the growth, income wise, you've earned a bit over 2,800, and growth wise, Mhmm. you're over 13,000 there. So your portfolio as a whole net of fees has made over 16,198, which gives you about 11.15% return net of fees this year. So not bad at Yep.","start_word":4534,"end_word":4589,"intents":[{"intent":"Highlight growth","confidence_score":0.004158059}]},{"text":"So your portfolio as a whole net of fees has made over 16,198, which gives you about 11.15% return net of fees this year.","start_word":4561,"end_word":4584,"intents":[{"intent":"Highlight portfolio performance","confidence_score":0.44792265}]},{"text":"One of the big factors is The U the Iran and the US war going on, which has sort Yes.","start_word":4636,"end_word":4655,"intents":[{"intent":"Discuss impact of u-iran and us war on yep","confidence_score":0.00003784905}]},{"text":"One of the big factors is The U the Iran and the US war going on, which has sort Yes. of impacted everyone globally Yep. there.","start_word":4636,"end_word":4661,"intents":[{"intent":"Discuss geopolitical impact","confidence_score":0.000029307212}]},{"text":"Cybersecurity has had a little bit of a Mhmm. a down point.","start_word":4762,"end_word":4773,"intents":[{"intent":"Discuss cybersecurity","confidence_score":0.026729345}]},{"text":"You're looking at the bank hybrids again. These are more defensive investment, and they are doing really well. You're up over 3.88% for that investment Mhmm. individually, and that's absolutely fine. It's defensive as a lower risk investment, so we do expect it to receive a lower rate of return, which is fine. Yep.","start_word":4829,"end_word":4882,"intents":[{"intent":"Evaluate investment options","confidence_score":0.104398035}]},{"text":"We've been along Australian equities in your portfolio. That is down a bit more significantly. It's down by Mhmm. 20% in your portfolio.","start_word":5163,"end_word":5185,"intents":[{"intent":"Update portfolio information","confidence_score":0.009874466}]},{"text":"Alternatively, if you wanted, I could look at something a bit cheaper, look at more of a passive investment to replace it. We're still giving you access to the Australian market, maybe look at a bit more diversification, but also Mhmm. maybe saving an investment fee, something a bit cheaper. Did you want me to try and keep that active management, or did you want me to look at something a bit cheaper for you?","start_word":5502,"end_word":5576,"intents":[{"intent":"Evaluate passive investment options","confidence_score":0.41464987}]},{"text":"I'll go back and review the portfolio as a whole just sort of see where you might be up and down.","start_word":5896,"end_word":5916,"intents":[{"intent":"Review portfolio","confidence_score":0.78246003}]},{"text":"But as a bit of an example, if you had, say, being recommended 10% in every investment and, say, one investment went down to, say, 5%, another one went up, say, 15%, the investment sector up can tend to increase the level of risk you end up being overexposed. And the investments Yes.","start_word":5969,"end_word":6021,"intents":[{"intent":"Discuss recommended investments","confidence_score":0.0024603908}]},{"text":"your portfolio, selling off some of the growth that the portfolio has seen, reinvesting it back in the areas where there is a little bit bit of a dip, they'll take advantage of the downside. It also helps to rebalance and make sure you're not taking too much risk in certain areas of your portfolio. So are you comfortable with me just reviewing the level you have and maybe rebalancing if we need to as well?","start_word":6060,"end_word":6135,"intents":[{"intent":"Rebalancing","confidence_score":0.035684276}]},{"text":"Having a look here, I've also got your insurances. So I know when Veronica did the last statement of advice for you, we've transferred your cover into Hub twenty four. So to give you a bit of an Yep. idea, at Yep. the moment, in the event of a life or TBD event, the sum insured you have is about 407,000 and Yep. 24 and 64<unk>.","start_word":6289,"end_word":6354,"intents":[{"intent":"Provide policy advice","confidence_score":0.00042383187}]},{"text":"I can see here, so you don't have any income protection in the event that you work and stop work completely or not able to go to work due to illness or injury.","start_word":6561,"end_word":6593,"intents":[{"intent":"Explain situation","confidence_score":0.0054760813},{"intent":"Explain situation","confidence_score":0.08155034}]},{"text":"Do you remember sort of going through what the options are for trauma insurances and how that works? Or did you want me to go through that with you?","start_word":6659,"end_word":6687,"intents":[{"intent":"Recommend option","confidence_score":0.0017766916}]},{"text":"So the updated document with regard to the portfolio report and also your updated balance will be in that email coming through shortly to you with regards to the annual review document.","start_word":6776,"end_word":6807,"intents":[{"intent":"Request update","confidence_score":0.0019072487}]},{"text":"do also have in there the ongoing service agreement for the for the next twelve months there as well. So just to Mhmm.","start_word":6810,"end_word":6832,"intents":[{"intent":"Discuss service agreement","confidence_score":0.000507069}]},{"text":"Any recommendations we do make are just recommendations. So you get to decide whether you take all Yes. of them, some of them, or none of them at all. Okay? Yes. Okay.","start_word":7257,"end_word":7288,"intents":[{"intent":"Evaluate recommendations","confidence_score":0.006753285}]},{"text":"The only other thing to kind of update with you is looking at your will and power of attorneys and things. Do you guys have a will? Have you ever had a will and power of attorneys drawn up or guardianship and things like that? Yes.","start_word":7296,"end_word":7341,"intents":[{"intent":"Update will and power of attorney","confidence_score":0.017827505}]},{"text":"I'll double check that Paul is down as your beneficiary on all the documents there as well. And Michelle has Yep.","start_word":7387,"end_word":7407,"intents":[{"intent":"Update beneficiary","confidence_score":0.047645047}]},{"text":"also let me know that she has organized for your password to be reset to your hub 24 super as well. And you Okay.","start_word":7408,"end_word":7431,"intents":[{"intent":"Reset password","confidence_score":0.7230759}]},{"text":"Did you wanna reevaluate that that risk profile, or are you comfortable staying in that sort of environment for a little bit longer? Yeah.","start_word":7638,"end_word":7661,"intents":[{"intent":"Evaluate portfolio","confidence_score":0.0081758}]},{"text":"Now catch up wise, Zach, Did you want us to do a bit more of a catch up with you sort of once every three or six months? Or are you happy just with an annual review once every twelve months?","start_word":7890,"end_word":7930,"intents":[{"intent":"Plan portfolio review","confidence_score":0.014416995}]},{"text":"then maybe I would have to we would we might change that just to talk to you about even, you know, things like, you know, talking to a broker or Yeah.","start_word":8013,"end_word":8043,"intents":[{"intent":"Discuss broker options","confidence_score":0.005907841}]},{"text":"So if you decide, you know, down the track you wanted just an ad hoc conversation or had some questions randomly, feel free to let us know.","start_word":8110,"end_word":8136,"intents":[{"intent":"Book ad hoc conversation","confidence_score":0.37364382}]},{"text":"Is there anything else that you maybe wanted to ask or anything else you maybe wanted me to touch on with regards to the review? Or any other questions that you might have? No.","start_word":8199,"end_word":8232,"intents":[{"intent":"Discuss portfolio review","confidence_score":0.06753083}]},{"text":"that massive investment anyway. So Absolutely.","start_word":8304,"end_word":8309,"intents":[{"intent":"Address investment concerns","confidence_score":0.053906742}]}]},"sentiments":{"segments":[{"text":"Hello. Jessica speaking. Hi, Jackie. This is Dana from OC Financial. How are you this morning?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.15798631310462952},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.42548561096191406},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.309842973947525},{"text":"I'm very well. Thank you.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.6139421463012695},{"text":"I had you booked in to go through your annual review. Is now still a good time here for you? Yeah. That's fine. I just got both kids at home, I think, Uh-huh. so that's No. okay. That's okay. That's okay. I can try to not take up too much of your time. If you find that you do need to stop for any reason, just let me know, but we can try to jump through it as quickly as possible for you if that's easier. Yep. Yep.","start_word":25,"end_word":112,"sentiment":"neutral","sentiment_score":0.04963384196162224},{"text":"That's great. Thank you.","start_word":113,"end_word":116,"sentiment":"positive","sentiment_score":0.4165603816509247},{"text":"Sorry. Oh, no. That no. You're absolutely fine. I completely understand. Again, I'm actually working from home today because up Ah, here there on the you go. Northern east of our border slash Queensland Gold Coast there, we've just had, you know, 200 mils of rain in the last Oh, twenty wow. four to forty eight hours. Yeah. So Oh, we've no way. Oh my gosh. we've all had to work from home because of, you know, localized flooding and things like Yes. that. So Of I course. absolutely get it. It's all good. You're right. Wow. Oh, no. Oh, good. Well, what I'll do if you like is I'll go through things with you, give you a bit of an update. I know Michelle has been trying to update your address your email address for you as well. Yep. So after the call, I'll be able to send you out the any review documents for you to have a look at and to sign Mhmm. and return back, Yep. And we'll make sure she can send it out to your new email address for you as well. Okay. Okay? Yep.","start_word":117,"end_word":307,"sentiment":"neutral","sentiment_score":0.03501754626631737},{"text":"Sounds great. Beautiful. Thank you. Fantastic.","start_word":308,"end_word":313,"sentiment":"positive","sentiment_score":0.43684816360473633},{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. That's fine.","start_word":314,"end_word":348,"sentiment":"neutral","sentiment_score":0.1293843537569046},{"text":"Fantastic.","start_word":349,"end_word":349,"sentiment":"positive","sentiment_score":0.43088626861572266},{"text":"And just to confirm, I am discussing your personal information. So just in security, get you to confirm your full name, your date of birth, and address I should have on file. Yep. So it's Jackie Monningen, '91 in Yep. eighteen James O'Donnell Drive, Bowensvale.","start_word":350,"end_word":394,"sentiment":"neutral","sentiment_score":0.02968837134540081},{"text":"Fantastic. Thank you so much for that. Pleasure.","start_word":395,"end_word":402,"sentiment":"positive","sentiment_score":0.7489072680473328},{"text":"So how's everything been since we were able to catch up last year? Is there any major changes in your work or life in general? Or Not particularly. Yep. Still working part time, but I guess I'm sort of between I'm I'm generally three days a week, but sometimes I'll only work with two. So you could say Yes. two and a half, but I would just keep me down as three because, generally, I pick up the third day regardless. So Yes. Okay. Beautiful. I have probably stepped down responsibility wise. So Yep. because I was acting up last year, so that's probably, I guess, a little bit less of income on my part, Okay. Yep. but All good. it's not, you know, not significant. So No. That's okay. Not a problem at all. So just having a quick look at what I had here. So last year, we had your income at around about 45,000 per annum. Do you think it's kinda going up or down from there a little bit? Yep. Oh, that would be, yeah, that would be probably About the same the same. if yeah. I Yep. would say that was probably a bit Yep. under for last year, if anything. But Oh, that's that's alright. okay. Yeah. That's right. Not Bless an you. issue. Yeah. Not an issue at all.","start_word":403,"end_word":628,"sentiment":"neutral","sentiment_score":-0.009567289613187311},{"text":"Fantastic.","start_word":629,"end_word":629,"sentiment":"positive","sentiment_score":0.4063692688941955},{"text":"So a little bit more time at home, which is good, especially coming into winter with everything that goes around the schools and all the viruses. Yes. Yes. It's in. Yeah.","start_word":630,"end_word":660,"sentiment":"neutral","sentiment_score":0.2311556190252304},{"text":"All good. All good.","start_word":661,"end_word":664,"sentiment":"positive","sentiment_score":0.3641822934150696},{"text":"And moving forward over the next sort of twelve months, do you guys have any goals that you're looking to achieve? Anything financially or personally? Look. We've got heaps. We're Yeah. I think we're we're in limbo at the moment as to what to do. Yep. We we either thought about leasing I was just going through my husband, Paul, his work and leasing a car. Yep. But we just thought, you know, we're in the position that we could buy it outright. However, if we were then to because we've been looking at properties and things like that, Mhmm. We wanted to have, you know, I guess, that sort of chunk of money sitting there as well in case something came up that we, you know, loved. Yes. Yeah. We've been looking for years as, you know, for the right thing and the right one. I mean, I don't know if that's ever gonna happen really because I think it wouldn't be an investment. It would be for us to move. But Yes. for us to move from the home that we're in would be very hard at the same time because we built it and it's, you know, beautiful It's and yours. yeah. Yeah. It's ours. Yeah. So Yeah. it's tricky. But we I guess I'm probably more so the one to push for it to to potentially move just closer to my family and where my kids go to school and I work Mhmm. as Yep. well. Yep. We've also one of our major roads, there's been a bridge that's collapsed. Oh, So no. we've got quite a significant detour now, and it's a it's a, like, a dangerous kind of road. So, yeah, we've sort of been looking at moving, so there could be quite a large expense that, you know, that we could be looking forward to. But whether we were to Yeah. purchase land and build again, Yep. that would be that would be our preference Yep. because they're very picky. And Yeah.","start_word":665,"end_word":1003,"sentiment":"neutral","sentiment_score":0.02498469443491778},{"text":"and the thought of renovating or the thought of getting, you know, moving to a house from the house that we are in, and it's pretty much perfect the way that it is.","start_word":1004,"end_word":1036,"sentiment":"positive","sentiment_score":0.4442749917507171},{"text":"Yeah. Yeah. It's hard to then go to somebody else's or that you know, go to a house that somebody else has dreamed of and, you know, it's it's not to where I would want it or my husband would want it. So, you know, we're very No. but, I mean, when you're spending that kind of money and you're investing for oh, you Yeah. know, in yourselves and and your family for that sort of yeah. It's a it's a big big decision. But yeah. So land and building would be a preference. Yes. We've looked at tiny homes as well. My family has an acreage where they are and possibly investing in something like that, living in Yep. the tiny home. But then if we were to find something, we would then, you know, have that as a secure place to live whilst we build. And then that would the tiny home would stay within my parents, and we would turn that into, like, an Airbnb. So Yeah.","start_word":1037,"end_word":1206,"sentiment":"neutral","sentiment_score":-0.005540648979299209},{"text":"there's Nice.","start_word":1207,"end_word":1208,"sentiment":"positive","sentiment_score":0.3560464084148407},{"text":"lots of things, you know, up in the air, but they're grand plans whether they will actually ever eventuate. Yeah. Yeah. So Yeah. No. Absolutely. And if you were to sort of buy land and build somewhere else, what would you wanna do with your current house? Would you be wanting to sort of keep that and rent it out, or would you be looking to try and sell that? What would I be think the plan? we would possibly sell that. Yeah. Yep. So the land that we're we're looking we have there is something that, you know, we've we've sort of been negotiating with a realtor at the moment and people. The land that we were looking at is it could be subdivided. So Okay. we would you know, if we were to go ahead with the purchase, we would most likely oh, sorry. If we were to build, we would most likely have to sell our house. Yes. Yeah. But we have places that we would be able to live in interim, which Okay.","start_word":1209,"end_word":1385,"sentiment":"neutral","sentiment_score":0.004424826242029667},{"text":"is Beautiful. which is good.","start_word":1386,"end_word":1390,"sentiment":"positive","sentiment_score":0.5997236967086792},{"text":"Yeah. You know? Yeah.","start_word":1391,"end_word":1394,"sentiment":"neutral","sentiment_score":0.17350460588932037},{"text":"We're fortunate in that regard.","start_word":1395,"end_word":1399,"sentiment":"positive","sentiment_score":0.4152337312698364},{"text":"But it's just the property that we've been looking at. It's it's a funny one. Like, it's over a couple of different it's a deceased sort of a state, but, you know, the the family Right. has it all in different I think there's a couple of different titles, and it's all Right.","start_word":1400,"end_word":1452,"sentiment":"neutral","sentiment_score":-0.06713581085205078},{"text":"a little bit messy.","start_word":1453,"end_word":1456,"sentiment":"negative","sentiment_score":-0.379565954208374},{"text":"So, yeah, we've put Yep. in an offer and then yeah. It's probably, like, you know, very much labeled it, but yeah. We'll see what comes back from it because, I mean, now we we know that if somebody else puts in an offer then, you know, you can go back Yeah. and forth. But Yeah. yeah. So that's sort of our things that are on the cards at the moment. But whether that actually eventuates, I don't know. It'll be with the the owner as well because the land is over so there's blocks of land that they have Yep. available. But on it, it goes into sort of, like, an l shape, and it's over two different okay. Both of them have, like, a house number attached to it. I can't think of the word. So the one part of the l, which we wouldn't, Yep. you know, want, and it has been subdivided within the the plans. Yeah. We've said, you know, we would like to purchase a land. So we put an offer on that lot that it's under because they're in all different lots. Yep. Yep. And, yeah, the owner, fair enough, they wanna sell it all all in one, but, yeah, that's Yeah.","start_word":1457,"end_word":1665,"sentiment":"neutral","sentiment_score":-0.031099243089556698},{"text":"not something. I mean, it's a ridiculous amount of money that they want for it, so we said no. Yeah. No. And and Fair the house enough. that's on it, it's just it's it's all run down and, yeah, it's pretty crappy in that.","start_word":1666,"end_word":1709,"sentiment":"negative","sentiment_score":-0.6092707514762878},{"text":"But Yep. yeah. So, I mean yeah, it it has a lot of potential, but just I think it'll just be how far we can go with it or how far the owner will go. It's been on the market for a long time, so I'm hoping Yeah. that something They might might be getting desperate come from at it. some point. Might be willing Yeah. to negotiate That's a bit it. more. Yep. Yes. I mean, with the way that our climate is in Australia at the moment, it yeah. Not that I wanna wish hardship on anyone, but or make, No. you Correct. know, you know, but maybe maybe, yeah, some pressure financially. Yeah. You know? Absolutely. Yeah. Absolutely. Well, even with what came out from the budget last week, there's a lot of uncertainty around what people are gonna do with current investments with purchasing Yeah. new investments down the track. So, I That's mean, it. looking at if you are looking at building, looking at something that can be subdivided, which gives you the option to, you know, maybe build another property to Yes. rent out or, you know, to be able to utilize. And if this Yep. legislation goes through, because I believe falls on quite a decent income, if Yes. you are looking at the other track having an investment property, which is possibly something we had noted here a while back as one of your goals, Yep. if this legislation goes through, it does need to be a new property to be able take advantage of negative gearing. Yes. And, realistically, when we hold investment properties or any kind of investment, the income made from that, we wanna try and, as much as possible, minimize the amount of tax we are paying. So by having an investment property that we can't, you know, can't use the losses on, Mhmm.","start_word":1710,"end_word":2025,"sentiment":"neutral","sentiment_score":-0.10220348978815956},{"text":"it does make it pretty well pointless.","start_word":2026,"end_word":2032,"sentiment":"negative","sentiment_score":-0.3948653638362885},{"text":"So if you are looking at something that is subdivided, it does give you the option down the track of being able to maybe build a secondary property Yep. and rent it out and still give you access to the negative get negative gearing legislation Yep. if that goes through as it has been already announced. Yep. We know that moving forward, there could be some changes. I was just watching what happens with these bills to see whether they go through as is or whether there are any updates or anything there. But if anything does come up, you just wanna have more of a chat about it, please let me know. I'm Okay. more Yeah. than happy to talk it through. But, yeah, I mean, having a subdivided property isn't a bad thing, But moving forward in order to take advantage of negative gearing and have investment properties and things down the track, we are gonna have to look at brand new properties at this point unless Yep. that bill somehow doesn't go through, which should be Yep. not bad. Yeah. Yeah. Yeah. Yeah. Yeah. I Yeah. know. Yeah. But, no, it says that you've got some good plans there with regard to that. And, yeah, I mean, building a new home is a good thing. You do kind of get to build it your way, Yes. which is what it sounds like you've done to the house. You've got at the moment things that you've got specifications to, Yep. you know, to how you're comfortable that you do love it, and it's time to think of your own property with somebody else living in it too. So I can understand Yes. Yes. wanting to sell that to build something next. Yeah. Yeah. Yeah. Yeah. I don't think we would be able to rent it out to them if it's too like, it needs to go to someone that would really love it and appreciate it. So Yeah. yeah. Renting out can be quite difficult personally too if you are. If you've lived in something and it's you know, you you love it and someone else was living in it and their certain if it doesn't really match or they don't look after it the same Yeah. way, it can be kind of hard as well Yeah. emotionally. That's it. So Yes. yeah. Yeah. Yeah. No. That's okay.","start_word":2033,"end_word":2432,"sentiment":"neutral","sentiment_score":-0.007998689944797662},{"text":"That's That's fantastic. good to know.","start_word":2433,"end_word":2438,"sentiment":"positive","sentiment_score":0.41857051849365234},{"text":"Thank Well, you. that's alright. Do let us hope you do have additional questions around, you know, that sort of thing or if you did need any additional advice down there, we can certainly get helping. But it sounds Mhmm. like Yep. you just kind of the merger of what you're just wanting to do is about finding the right property, the right, you know, amount you're willing to pay, but then also working out, you know, down the track what you just wanna be able to do with that as well. So Yeah. yeah. That's it. Yeah.","start_word":2439,"end_word":2536,"sentiment":"neutral","sentiment_score":0.12186615229869376},{"text":"Beautiful. All good.","start_word":2537,"end_word":2539,"sentiment":"positive","sentiment_score":0.6234084367752075},{"text":"With the house you have at the moment, Yes. we had an asset value last year of about 1,200,000. Value wise, do you think that's probably gone up a little bit? Would you revalue that a bit more? Or Mhmm. I mean, potentially, we've got a couple in our area that had, it was probably the high twos, if not threes. It was very similar to our house. It's down the road from us. So, I mean, it Yeah. could be we haven't had it revalued for a little while, which is something Yeah. that we're actually just doing some work out the front just to our entryway. So Yep. I think once that is done, we might potentially get a couple of the real estate in to sort of just value and see where we're sitting as well. That will also help us with a sort of where to next. Yeah. Perfect. Yeah. So maybe keep it at, you know, either 1.2 or even just high 1.2. 1.3. Yeah. That would be our I mean, yeah, that's the dream. But if Yeah. it's not, then that's also it is what it is. Yeah. Yeah. No. That's The absolutely fine. market isn't Yeah. amazing. So yeah. Yeah. No. No. Absolutely. No. Not a problem Yeah. at all. And mortgage wise, we had it used over about a 100,000 on the property. Have you been able to reduce that debt a little bit, or has it gone up a bit with improvements? Or Yeah. I mean, we would technically, Mhmm. we own it because, like, we still have the loan against it, Yep. but because we offset the loan and we just pay the minimum, you know, just so that we can have a loan Yes. available to us for Yes. if we need to draw or, you know, anything like that. So we have that. I would say that yeah. I mean, it has yes. It's technically if we wanted to pay it off tomorrow, we could, Yes. if that makes sense. Yes. That's okay. Yeah. So it's just But fully in offset. You've got that money sitting in the offset account, a 100 percent yes. offsetting the loan? Yep. Yes. That's right. I mean, I think what do we got? I think it's yeah. We don't have much I think we put, like, 2,000 left on it to pay. So Okay. yeah. So we still got the loan open, and we just paid very minimally so Yeah. that it stays open. Yep. And if for whatever reason or, you know, something happens and I mean, I hope I wouldn't need to use that sort of large amount of money, Yeah. It's there to withdraw if we if we need to. Yeah. No.","start_word":2540,"end_word":3002,"sentiment":"neutral","sentiment_score":0.034830053612493285},{"text":"So That's perfect. That's fantastic. Excellent. All good.","start_word":3003,"end_word":3010,"sentiment":"positive","sentiment_score":0.5208987593650818},{"text":"And what else we've got here? I've got your two cars. So the first car I do apologize. This is car one, car two. The first car Mhmm. I have an asset value on is about 65,000. Which Yep. one of the cars would you value that at, and what type of car is it? Just so I can make a note here for you. Oh, yeah. So that that car is the Ford Ranger, Okay. Yep. Perfect. and that's probably my primary car as well. Yep.","start_word":3011,"end_word":3097,"sentiment":"neutral","sentiment_score":0.044716447591781616},{"text":"Perfect.","start_word":3098,"end_word":3098,"sentiment":"positive","sentiment_score":0.35442256927490234},{"text":"Excellent. And you'd still value that at about 65,000? Yeah. I think so or maybe even 60. I don't think they've lost a whole lot of value Yep. recently, so that's good.","start_word":3099,"end_word":3130,"sentiment":"neutral","sentiment_score":0.06068606302142143},{"text":"Beautiful. Fantastic.","start_word":3131,"end_word":3132,"sentiment":"positive","sentiment_score":0.6253207921981812},{"text":"And the second car here was valued at about 2,000. What's the other vehicle that you do have there? It's just a little Mazda three. It's, I think, Mazda my it's my three. first car. It's my little running back car. And you still got it.","start_word":3133,"end_word":3178,"sentiment":"neutral","sentiment_score":0.056178078055381775},{"text":"That's fantastic. You still got it. Oh, it's a it's fabulous, actually. It's just it's perfect for Paul to go to work in and, yeah, just to run Yeah.","start_word":3179,"end_word":3207,"sentiment":"positive","sentiment_score":0.5596623420715332},{"text":"around in. Yeah.","start_word":3208,"end_word":3210,"sentiment":"neutral","sentiment_score":0.13389307260513306},{"text":"Sounds good. Oh, fantastic. I love that. It's great.","start_word":3211,"end_word":3219,"sentiment":"positive","sentiment_score":0.5406017899513245},{"text":"And as I've raised about $2, would you keep it about the same value, do you think? Yeah. Yeah. It's yeah. It's Yeah. worth more to us than it would be to anybody else. So Yeah. Absolutely. And then I've also got a caravan noted here as well with an asset value of 95,000. Do you still have the caravan? yes. We do. Yep. Yep. Perfect.","start_word":3220,"end_word":3285,"sentiment":"neutral","sentiment_score":0.06532753258943558},{"text":"Fantastic.","start_word":3286,"end_word":3286,"sentiment":"positive","sentiment_score":0.3629268407821655},{"text":"And other assets I do like to note down as well, things I don't have is contents. Do you guys have contents insurance? Yes. We do. Yep. Perfect. Do you know what that value might be at or what that would I, be to you? oh, I don't know, actually. I should know this, but I think it's on my husband's, like, account, his side of things. Yep. Oh, damn. I should've found this out, sorry, before That's I okay. spoke You're to fine. him. Because we swapped it over not too long ago. Yeah. I can ask him, I mean and I can get back to you if you'd like. Yeah. That's okay. That's not a problem at all. Estimated wise, do you think you'd value all your content? Like, if you took your house upside down, everything fell out, do you think you'd kinda value that at maybe more than a 100,000, less than a 100,000, just sort of an estimated value? Yes. I think oh, I can't I think it is something like a 150 to 200,000. So Yeah. Makes sense. Yep.","start_word":3287,"end_word":3471,"sentiment":"neutral","sentiment_score":0.01555341451957419},{"text":"That's okay.","start_word":3472,"end_word":3473,"sentiment":"positive","sentiment_score":0.38442763686180115},{"text":"yeah. I'll just pop that range in there for you.","start_word":3474,"end_word":3483,"sentiment":"neutral","sentiment_score":0.3283514380455017},{"text":"Not a problem at all. Thank Easy you. done.","start_word":3484,"end_word":3492,"sentiment":"positive","sentiment_score":0.5242714881896973},{"text":"And any other anything else of value? Any other, you know, cars, boats, caravans, or collections, tools of trade, or investments that you might have? No. Not really. My husband, he had, you know, a whole thing of tools that I wouldn't know what it's worth. And then he he currently Yeah. keeps it off-site. So like, off sorry. Okay. Off from where we are, you know, from our house. It's that's his work, Yep. Yep. but I wouldn't know how much that is worth. I'm sorry. No. That's that's absolutely fine. It's not a problem Yeah. at all. And any mostly, just popping down here for you for your offset account, which you've said you have just about $2 under that 100 k, so about 98,000 sitting in the offset. Yes. So my husband's being so clever. He and look. And we share everything. So Yeah. he he opened up a a long term deposit sort of account so that we Yep. could gather more interest and yada yada. He has put it in his name, which was not a good idea because, as you know, he is a high income owner. So Yes. I said, why don't we Paystack. put it in my name? Currently currently, I can't see how much we've got in that account anymore. And I said and look. I said, Jeremy, you know, we had a bit of a joke about him running away, but he's he's not. We I said, yeah. I'm not running away, but if you can put it into my account even now, you know, we went into that tax not too long ago. And she goes, yes, Paul. Please put it into Tacky's name because Yes. that will yeah. Yeah. It's just negating what, you know, you really wanna achieve there. So so, yes, we Yeah. yeah. We would have about that. If not, possibly more. Because I haven't checked on Perfect. that account.","start_word":3493,"end_word":3817,"sentiment":"neutral","sentiment_score":-0.012261334204903015},{"text":"Perfect.","start_word":3818,"end_word":3818,"sentiment":"positive","sentiment_score":0.3382073640823364},{"text":"Yeah. Which is yeah. I know. It's quite silly. But, anyways, not to No. worry. No.","start_word":3819,"end_word":3834,"sentiment":"neutral","sentiment_score":0.038567375391721725},{"text":"It's all good. Absolutely.","start_word":3835,"end_word":3838,"sentiment":"positive","sentiment_score":0.3529152572154999},{"text":"No.","start_word":3839,"end_word":3839,"sentiment":"neutral","sentiment_score":0.2845953106880188},{"text":"Perfect. Excellent.","start_word":3840,"end_word":3841,"sentiment":"positive","sentiment_score":0.486908495426178},{"text":"And do you guys have any credit cards or personal loans or anything, Yes. loans of We've credit? got the this week, it's got a Mastercard. Yep. And I just had what's the limit on that one? $10,000. Okay.","start_word":3842,"end_word":3880,"sentiment":"neutral","sentiment_score":0.05909280478954315},{"text":"Beautiful.","start_word":3881,"end_word":3881,"sentiment":"positive","sentiment_score":0.3803382515907288},{"text":"And is there anything owing, or is it fully paid down? Yes. But, I mean, we fully pay it off every month. We Okay. I know this sounds ridiculous, but we because we just we use the credit card for everything, but we know that Yep. it just comes out every month, and we just know, you know, what to spend and whatever. Yeah. So that is generally a lot, you know, or depending on what part of the month we're in, you know, because Yep. we just generally live off that and pay it off each month. There could be, you know, 3,000 lead owing on it, but then other days, it might be, like, 6,000 or Yeah. whatever it is sort of thing. So at the moment, Yep. it's currently sitting at $6,419. But 19 but, I mean days. yeah. So it's I understand, you know, debt wise, but, yeah, that's available for us to pay it off when we need to. Yeah. Or Perfect. it comes And out you've every got month. the funds Yeah. yeah. And you've got the funds there to pay it down if you need to as well. So that's Yeah. definitely That's right. fine. It just auto automatically does it. I mean, we check on it all the time anyway, but, Yep. Yeah. yes. It's it's more so for a point thing, to be honest. Perfect. Perfect. You know? Take those. Yes. Thanks. Absolutely. No.","start_word":3882,"end_word":4124,"sentiment":"neutral","sentiment_score":0.06720517575740814},{"text":"Fantastic. Well, thank you for updating those. Appreciate that.","start_word":4125,"end_word":4133,"sentiment":"positive","sentiment_score":0.4432354271411896},{"text":"Now thinking about your sofa, we're looking at we had here your goal was hopefully to retire around about the age 65. And, mean, Mhmm. having a Yep. look at things, you're 35 this year in July. So you've Mhmm. still got a lot of time ahead of you there, but is 65 still your goal age at the moment? Yes, please. Yep. Yep.","start_word":4134,"end_word":4197,"sentiment":"neutral","sentiment_score":0.02198006957769394},{"text":"Beautiful.","start_word":4198,"end_word":4198,"sentiment":"positive","sentiment_score":0.5583232641220093},{"text":"Anytime that we're looking to draw try and draw income of about $1,200 per week. Is that solely from your super, or is that kind of a combined for you and Paul in retirement, do you think? Oh, it's probably Paul's a much better contributor to Super Yep. than I am. That's yeah. So that would be, Yeah. yeah, a little bit of on Paul as well. Yeah. That's okay. So that'd be Yeah. a combined goal, like, income Yeah. amount.","start_word":4199,"end_word":4279,"sentiment":"neutral","sentiment_score":0.07611251622438431},{"text":"Beautiful. Yeah. Excellent. Lovely.","start_word":4280,"end_word":4283,"sentiment":"positive","sentiment_score":0.5313620567321777},{"text":"And at the moment, so with you working three days a week, I can see your employer contributions are going in, which is great. Mhmm. You don't really have capacity, or did you wanna look at maybe salary sacrificing or being able to make additional contributions to super, or is it something you'd not really prefer to do now with small kids? Yeah. I'd rather hold off until I was back at least four days a week something, which I don't endeavor Yep. sort of doing until my youngest is five or when, you know, she starts school. And even then, I don't Yes. even know if I'll go back full time, to be honest. And that sounds terrible, but Yep. No. yeah, Yeah. maybe one said that, you know, that a little bit even older and, you know, you're not attending school based events all that much. Potentially, Yeah. I go back full time, but, yeah, I'm very happy just working part time.","start_word":4284,"end_word":4447,"sentiment":"neutral","sentiment_score":-0.03922608867287636},{"text":"Perfect. Yeah. I love that.","start_word":4448,"end_word":4452,"sentiment":"positive","sentiment_score":0.5068599581718445},{"text":"Yeah. No. Excellent. All good.","start_word":4453,"end_word":4457,"sentiment":"neutral","sentiment_score":0.15179140865802765},{"text":"Fantastic.","start_word":4458,"end_word":4458,"sentiment":"positive","sentiment_score":0.4847327768802643},{"text":"Well, Jeff also on the topic of your super, I know Michelle is gonna send you a copy of your annual review doc shortly for you. But your balance in super this time last year, you had about sorry. If I go backwards here, market value was showing a 120,305 and 7<unk>. Today, looking here, your balance is up to a 143,088 and 61<unk>.","start_word":4459,"end_word":4525,"sentiment":"neutral","sentiment_score":0.0602702721953392},{"text":"So you have seen a really good increase there.","start_word":4526,"end_word":4534,"sentiment":"positive","sentiment_score":0.5036352276802063},{"text":"Yes. Yep. When we sort of break down the income and the growth, income wise, you've earned a bit over 2,800, and growth wise, Mhmm. you're over 13,000 there.","start_word":4535,"end_word":4563,"sentiment":"neutral","sentiment_score":0.2548670470714569},{"text":"So your portfolio as a whole net of fees has made over 16,198, which gives you about 11.15% return net of fees this year. So not bad at Yep. all. That's fabulous. Thank you.","start_word":4564,"end_word":4597,"sentiment":"positive","sentiment_score":0.4308648407459259},{"text":"Yeah. That's okay. When we do look at the investments as individuals, they've all been performing Yep. quite well. I know Yes. we have seen a bit of ups and downs in the market with what's been going on globally. Yes. One of the big factors is The U the Iran and the US war going on, which has sort Yes. of impacted everyone globally Yep. there. But then here in Australia, we've also had higher inflation, which has also kind of had a little bit of an impact on the local economy as well as Yep. fixed interest does have a bit of an impact when and does take a bit of a battering when we do have high inflationary rates as well. So when I look at sort of all your portfolio individually, looking at your performance this year, your battery and lithium tech is up really well. It's probably your best performer for the year, up Mhmm. about 92.","start_word":4598,"end_word":4760,"sentiment":"neutral","sentiment_score":0.05020323395729065},{"text":"8%, which is great to see.","start_word":4760,"end_word":4764,"sentiment":"positive","sentiment_score":0.3847273588180542},{"text":"Cybersecurity has had a little bit of a Mhmm. a down point. It's down by that 2.44%. It's facing it down because of what's going on between Iran Of course. and The U Yeah. The US at the moment, Mhmm. but it is still a good investment. It's just having a bit of a dip period, so it is still worth keeping that investment in there. Yep. You're looking at the bank hybrids again.","start_word":4765,"end_word":4835,"sentiment":"neutral","sentiment_score":-0.01270557777352736},{"text":"These are more defensive investment, and they are doing really well. You're up over 3.88% for that investment Mhmm. individually, and that's absolutely fine. It's defensive as a lower risk investment, so we do expect it to receive a lower rate of return, which is fine.","start_word":4836,"end_word":4881,"sentiment":"positive","sentiment_score":0.46846598386764526},{"text":"Yep.","start_word":4882,"end_word":4882,"sentiment":"neutral","sentiment_score":0.25812917947769165},{"text":"And defensive investments are also good for income producing.","start_word":4883,"end_word":4891,"sentiment":"positive","sentiment_score":0.3799547851085663},{"text":"You want dividends and income payments which get paid into your cash account so they Yes. can be reinvested back Yeah.","start_word":4892,"end_word":4912,"sentiment":"neutral","sentiment_score":0.21569351851940155},{"text":"into your portfolio for compounding, which is really cool. Okay. You've got the beta shares Raffy in there, which is giving you exposure to mid and small cap Australian companies, and that's up by 16.85%. That is a really good return for what's been happening globally for the year, so it's a good performer. And physical gold has done phenomenal. Your physical gold is up 26.42%. Physical Mhmm. gold is up over 30% for the year as a whole, so really, really happy to see that moving upwards there.","start_word":4913,"end_word":5001,"sentiment":"positive","sentiment_score":0.5204017162322998},{"text":"Yep. We've also got the the iShares S and P 500, which is giving you exposures to 500 companies in The US. And even Mhmm.","start_word":5002,"end_word":5026,"sentiment":"neutral","sentiment_score":0.14502114057540894},{"text":"with what's been happening here, you're up by 14.01%, which is really good to see.","start_word":5027,"end_word":5041,"sentiment":"positive","sentiment_score":0.35888373851776123},{"text":"And then the China new economy is up over 20%, so it has been performing nicely as well. Yep. Okay. And property the Banak property ETF unit, so it's down by 2.26%. That has Yep. seen a little bit of a decrease there just with what's been happening with high inflationary rates. Essentially, inflation's taken a bit of a a hit with property. It does make it half of people to borrow, but commercial property is also seeing a little bit of a a down point with what's been happening with the war as well. So there's, Yeah. Okay. you know, Yep. quite a quite an up and down period with the property side of things for Mhmm. the ETF there. We've been along Australian equities in your portfolio.","start_word":5042,"end_word":5170,"sentiment":"neutral","sentiment_score":-0.03544790193785068},{"text":"That is down a bit more significantly.","start_word":5171,"end_word":5177,"sentiment":"negative","sentiment_score":-0.36236149072647095},{"text":"It's down by Mhmm. 20% in your portfolio. Because Okay. we've received a net return overall of over 11.15%, it honestly had very little impact on your portfolio and the Yep. overall return, but Bennelong has seen a bit of a dip.","start_word":5178,"end_word":5219,"sentiment":"neutral","sentiment_score":-0.10840193927288055},{"text":"It isn't performing as well as we would like.","start_word":5220,"end_word":5228,"sentiment":"negative","sentiment_score":-0.45204442739486694},{"text":"And when I kinda went back and reviewed everything, I'd like to maybe remove that ad and put something else in its place for you. Yep. Bennelong was originally put in there as an active manager. So the idea of an active investment manager is that they're buying and selling, and they're trying to outperform against the market. But Bennelong hasn't been able to do that this year, and they've had some underlying issues within their portfolio. So I'd like to maybe look at removing that out for you, doing a bit of an investment switch. And I can also just go back and double check the investments within the portfolio, make sure you're not overexposed to any risks there, maybe just do a rebalance if need be as well. Are you comfortable with me looking Yeah.","start_word":5229,"end_word":5365,"sentiment":"neutral","sentiment_score":-0.05265023931860924},{"text":"That'd be great. Thank you.","start_word":5366,"end_word":5370,"sentiment":"positive","sentiment_score":0.5253099799156189},{"text":"at that Yep. for you?","start_word":5371,"end_word":5375,"sentiment":"neutral","sentiment_score":0.209568053483963},{"text":"Fantastic. All good.","start_word":5376,"end_word":5378,"sentiment":"positive","sentiment_score":0.5015296339988708},{"text":"When we do look at the way investments are, there are a couple of options I can look at to replace Benelon. I've done a bit of research and tried to sort of look at what we can maybe do to remove it for you. We Mhmm. have we can look at replacing it with another active manager. When Yep. when we have active investment managers in our portfolio, you do pay a little bit more in the way management fees for those sorts of things, and the assets Mhmm. manager is supposed to be trying to outperform against the market. Yep. All in all, there's no guarantee that they're going to outperform. Not every active manager does every single year. Yep. Alternatively, if you wanted, I could look at something a bit cheaper, look at more of a passive investment to replace it. We're still giving you access to the Australian market, maybe look at a bit more diversification, but also Mhmm. maybe saving an investment fee, something a bit cheaper. Did you want me to try and keep that active management, or did you want me to look at something a bit cheaper for you? It's tricky because things are so up in the air at the moment, aren't they? Yeah. Well, the good thing Yeah. about a passive investment is when the markets are essentially, with the to kind of break it down and make it a bit easier for you, with an active manager, they're trying to outperform against the market. So when the markets are down, they're trying not to dip as much as the markets are. They're trying to buy and sell and pick where's gonna be the next a good option or where the next, you know, increase is gonna be. They don't always meet that. The option Mhmm. to having a passive investment in there would be that you were tracking the market. You're not trying to outperform against the market. The managers are just tracking with what the market is doing. Yes. Often, over the longer term, those passive investments, which are cheaper, can actually outperform against active managers because they are just tracking the market. They're not trying to buy and sell and pick the top and the bottom of the market to move in and Yeah. out of positions. They're just following through with the the market does in participating, and that can Mhmm. be a bit cheaper for you and can create Yep. more diversification if you wanted to Mhmm. look at that. Yeah. My brain when you were talking about it before I went like, it would it was sort of going towards that anyway. Yeah. Yeah. I'm maybe not to me just wanting to save that. But, yeah, I'm No. happy to possibly look at the passive option if that's okay. Yeah. Yeah. That's Yeah.","start_word":5379,"end_word":5857,"sentiment":"neutral","sentiment_score":0.04178708574359377},{"text":"absolutely fine.","start_word":5858,"end_word":5859,"sentiment":"positive","sentiment_score":0.3901571631431579},{"text":"I've got a few options either way to look at. So I'll Mhmm. have a look at what passive options we've got here for you, and Yep. I'll just do a bit of an investment switch. I'll go back and review the portfolio as a whole just sort of see where you might be up and down. We also tend to do a bit of a rebalance every now and then, and that's essentially when you if you were to say where if I mean, we I know when we kind of recommended these investments, it was sort of recommended to hold different amounts of all the interesting investments. But as a bit of an example, if you had, say, being recommended 10% in every investment and, say, one investment went down to, say, 5%, another one went up, say, 15%, the investment sector up can tend to increase the level of risk you end up being overexposed. And the investments Yes. that have gone down a little bit, they might be, you know, decreasing the risk or, again, you know, reducing or increasing the risk level depending on what it is that's gone up and down. So rebalancing Yes. your portfolio, selling off some of the growth that the portfolio has seen, reinvesting it back in the areas where there is a little bit bit of a dip, they'll take advantage of the downside. It also helps to rebalance and make sure you're not taking too much risk in certain areas of your portfolio. So are you comfortable with me just reviewing the level you have and maybe rebalancing if we need to as well? Yes. That's fine.","start_word":5860,"end_word":6138,"sentiment":"neutral","sentiment_score":0.01986952011196417},{"text":"Thank you.","start_word":6139,"end_word":6140,"sentiment":"positive","sentiment_score":0.5062845945358276},{"text":"Yes.","start_word":6141,"end_word":6141,"sentiment":"neutral","sentiment_score":0.2926231324672699},{"text":"Beautiful. That's okay.","start_word":6142,"end_word":6144,"sentiment":"positive","sentiment_score":0.4177728295326233},{"text":"Do you have any questions about any of that so far at all? No. You've explained it very well.","start_word":6145,"end_word":6163,"sentiment":"neutral","sentiment_score":0.15116220712661743},{"text":"Thank Yep.","start_word":6164,"end_word":6165,"sentiment":"positive","sentiment_score":0.3786062002182007},{"text":"you. That's okay. Not a problem at all. What I'll do there for you, Jackie, is we'll I'll go back and have a look at everything for you. We'll do Yep. up an investment switch document for you as a new statement of advice. We'll come Mhmm. back and go through that together, and then you can decide whether you take the the recommendations or not. Okay? Okay. Yep.","start_word":6166,"end_word":6234,"sentiment":"neutral","sentiment_score":0.17894211519455563},{"text":"That's wonderful. Excellent. Thank you. That's okay. That's not a problem at all, but it's really good to see your portfolio has done well for the year. That's fantastic. Good to see. Yeah. That was good. Thank you.","start_word":6235,"end_word":6272,"sentiment":"positive","sentiment_score":0.6827073097229004},{"text":"Yeah. Not a problem at all. I got oh, sorry. My earphone just dropped up. Okay. Having a look here, I've also got your insurances. So I know when Veronica did the last statement of advice for you, we've transferred your cover into Hub twenty four. So to give you a bit of an Yep. idea, at Yep. the moment, in the event of a life or TBD event, the sum insured you have is about 407,000 and Yep. 24 and 64<unk>. Are you happy with the level of cover? Did you wanna look at maybe reevaluating the life and TBD that you do have? Or No. I think that's fine. Look. I honestly, that's okay? if I was to, yeah, if I was to leave the world, I know that my husband would be I mean, he would be distraught, but he would be okay. You Yeah. know, financially, Yeah. he would be okay. So Yeah. No. That's okay. That's not a problem at all. It is yeah. good. You are paying any a small amount for that one. So for the year, it's about a $181.68 for the insurances. And it just means that if anything does happen and as much as your mortgage is basically fully offset, your life cover and your is paid out then. I believe I should have Paul down as your beneficiary, Yes. but it means that it's paid out so that he can take some time off to look after the kids to grieve to work out what he needs to do and, you know, look Yes. organize childcare and things like that. So it does give him a bit of a buffer, which is good to see. Yes. I can see here, so you don't have any income protection in the event that you work and stop work completely or not able to go to work due to illness or injury. I know you are offsetting the mortgage completely at the moment. But Mhmm. do you feel like Paul's income would be sufficient? You don't feel you need any, like, income protection at all? No. I'm okay. Yeah. Thank you. Yep. That's okay. That's not a problem at all. And I believe Veronica would have sort of talked to you about trauma in the past as well. Do you remember sort of going through what the options are for trauma insurances and how that works? Or did you want me to go through that with you? Oh, yes. I do remember going through that. Yeah. I'm Yeah. okay currently That's at okay? the moment. Yeah. Yep.","start_word":6273,"end_word":6707,"sentiment":"neutral","sentiment_score":0.029710602589037228},{"text":"Thank you. Not a problem at all. That's all good. I'll retain the life and TBD there for you.","start_word":6708,"end_word":6726,"sentiment":"positive","sentiment_score":0.4381172358989715},{"text":"No additional insurances to worry about. If anything did come up and you wanted to kinda go through or have more of a conversation around those, just please feel free to let us know. It's not a problem at all. Okay? Yep. Okay.","start_word":6727,"end_word":6769,"sentiment":"neutral","sentiment_score":0.187873974442482},{"text":"Great. Thank you. Fantastic. Easy done.","start_word":6770,"end_word":6775,"sentiment":"positive","sentiment_score":0.6396543383598328},{"text":"So the updated document with regard to the portfolio report and also your updated balance will be in that email coming through shortly to you with regards to the annual review document. We Yep. do also have in there the ongoing service agreement for the for the next twelve months there as well. So just to Mhmm. kinda go through, because yourself and Paul are both clients, you do pay an ongoing service fee for our services of 1.1%. It is down from the normal 1.65 because you guys are both together as a couple Yep. on board. Mhmm. That is deducted on on a monthly basis in smaller monthly increments there. So we will attach the ongoing service agreement for you. If you are happy to, you know, continue with our services, we'll just need to sign and return that back. Yep. If Yep. at any point you find you're not comfortable, you don't like the service that you're receiving, please let me know. More than we'd be happy to turn it off and roll you to wherever you'd like to go. We wanna make sure that we are doing the work for you and updating the advice and working towards your goals. Yep. And as part of going back and reviewing the portfolio, maybe moving back along and, you know, altering the investments a little bit there, I'll be looking at how this affects you long term. With Yeah. the advice that I do provide, I know back in the day you were given a document and it showed here you had your the projections right up until essentially retirement at the age of 60 Mhmm. five there. With Yes. the documents I do, under best interest, I don't feel because you are still so young and your life can change so heavily over the next ten years, Yep. I will show you a projection over what the next ten years is expected to look like based on the updated changes, and then we just wanna keep reviewing it moving forward there. That's I just fine. think yeah. Just, Yep. you know, just too much that could change It's in getting the a next little really sort of switched thirty off. odd years. Yeah. Absolutely. So focusing on the shorter term and building towards your goals is definitely working better. But I also don't wanna sort of show you a unrealistic projected amount as well because markets do change, and we know cycles happen every sort of seven to ten years as well. So I just wanna let you know that's how I kinda do the advice side of things. But I'll show Mhmm. Yep. you what the advice document looks like, and then you'll be able to come back and let me know what you know, if you have any questions, whether you're happy to take the recommendations. Any recommendations we do make are just recommendations. So you get to decide whether you take all Yes. of them, some of them, or none of them at all. Okay? Yes. Okay.","start_word":6776,"end_word":7288,"sentiment":"neutral","sentiment_score":0.04974324424654884},{"text":"That's great. Thank Fantastic. you. Beautiful.","start_word":7289,"end_word":7294,"sentiment":"positive","sentiment_score":0.6755663752555847},{"text":"The only other thing to kind of update with you is looking at your will and power of attorneys and things. Do you guys have a will? Have you ever had a will and power of attorneys drawn up or guardianship and things like that? Yes. We have. Yeah. When we You have? when we had the kids in that, we Yep. made sure Beautiful. that was all done. Yep.","start_word":7295,"end_word":7364,"sentiment":"neutral","sentiment_score":0.0441729910671711},{"text":"Fantastic.","start_word":7365,"end_word":7365,"sentiment":"positive","sentiment_score":0.5858060121536255},{"text":"So all updated, all reflects your circumstances and your wishes correctly? Yes. I do. Yep. Yeah.","start_word":7366,"end_word":7381,"sentiment":"neutral","sentiment_score":0.26233789324760437},{"text":"Beautiful. Fantastic. Good to know.","start_word":7382,"end_word":7386,"sentiment":"positive","sentiment_score":0.571260929107666},{"text":"I'll double check that Paul is down as your beneficiary on all the documents there as well. And Michelle has Yep. also let me know that she has organized for your password to be reset to your hub 24 super as well. And you Okay. should receive the the password reset should receive the email or the request whilst on the phone now. So, hopefully, Oh, it comes okay. through if it hasn't already. Okay? Yep. Okay. Yep.","start_word":7387,"end_word":7464,"sentiment":"neutral","sentiment_score":0.0993105173110962},{"text":"Terrific. All Thank good. you.","start_word":7465,"end_word":7469,"sentiment":"positive","sentiment_score":0.5115762948989868},{"text":"That's okay. Now the only other thing to kinda check with you is with regard to the risk Mhmm. profile. So, look, you have had a really great return for the year. With your portfolio at the moment, you are in a high growth portfolio, so it does generally see about 90% of your super invested in growth assets. So looking Yep. at things like Australian shares, international shares, listed property, and commodities like gold and silver there, Yep. this sort of a portfolio does suit someone who's not gonna access a super in the next, you know, eight to ten years, essentially. Mhmm. You do have Yep. a bit of time on your side. You're wanting to get those greater upside benefits when the markets are performing, but you're also aware in the shorter term when the markets have a bit of a downtime that that downtime can be magnified a little bit as well. So we do expect Yes. short term volatility and ups and downs. Did you wanna reevaluate that that risk profile, or are you comfortable staying in that sort of environment for a little bit longer? Yeah.","start_word":7470,"end_word":7661,"sentiment":"neutral","sentiment_score":-0.02306560054421425},{"text":"I'm comfortable staying in that for now.","start_word":7662,"end_word":7668,"sentiment":"positive","sentiment_score":0.4165902137756348},{"text":"Yep. As I said, Yep. got a little while ago. I know that's that's, Yeah. you know, not maybe the greatest response No. It's by saying fine. that you've got time, but, Yeah. you know, taking risk and everything in into into account, I think, thankfully, I do have time on my side. But, Absolutely. yeah, I think leaving Yeah. it there is we're happy with that. Yeah.","start_word":7669,"end_word":7736,"sentiment":"neutral","sentiment_score":0.06662645936012268},{"text":"Thank Yeah. you. Fantastic. Not a problem at all.","start_word":7737,"end_word":7745,"sentiment":"positive","sentiment_score":0.500015139579773},{"text":"Well, I'll organize and make sure you're in that high growth environment. I'll reevaluate it at this level. You are taking a look at the diversification aspect there for you and the investments and see if we need to rebalance anything for you. Yes. When I do look into the research, I also take into account the the capital gains consequences because your super fund, just like you, it does a tax return every year. So when we do switch investments, your super Yeah. fund does pay taxes for that. So Yes. I will show you the consequences of the recommendations I make, and I try to minimize those tax consequences as much as possible whilst making sure that we can rebalance and check your portfolio and see what's going on with it as well. Okay? Mhmm. Okay. Yep.","start_word":7746,"end_word":7884,"sentiment":"neutral","sentiment_score":0.1568891704082489},{"text":"That's Beautiful. great. Thank you.","start_word":7885,"end_word":7889,"sentiment":"positive","sentiment_score":0.522957980632782},{"text":"Now catch up wise, Zach, Did you want us to do a bit more of a catch up with you sort of once every three or six months? Or are you happy just with an annual review once every twelve months? What would you like to see a bit more down the track? I mean, I know we would we'll talk again soon anyway. Yeah. Yeah. Half yearly is fine. Six months, like, that's Six fine. months. Yep. Yeah. Unless unless sort of circumstances were to change Yeah. for us, and potentially, we did need some advice on Yep. moving forward if we were to buy or, you know, move Yep. or change some or just in large life decisions, Yes. Yeah. then maybe I would have to we would we might change that just to talk to you about even, you know, things like, you know, talking to a broker or Yeah. and, yeah, possibly even looking more so in in tax and saving where we can there. But, Yeah. yeah, Absolutely. there there are conversations that, yeah, can come later, but they they're in they're in a, you know, in a in my brain somewhere. They're just not ready right now. Yeah. No. That's absolutely fine.","start_word":7890,"end_word":8097,"sentiment":"neutral","sentiment_score":0.021742246194312777},{"text":"That's not a problem.","start_word":8098,"end_word":8101,"sentiment":"positive","sentiment_score":0.3417099714279175},{"text":"And, look, you're not limited to six months. So if you decide, you know, down the track you wanted just an ad hoc conversation or had some questions randomly, feel free to let us know.","start_word":8102,"end_word":8136,"sentiment":"neutral","sentiment_score":0.2044990062713623},{"text":"My team will definitely book you in.","start_word":8137,"end_word":8143,"sentiment":"positive","sentiment_score":0.3949839472770691},{"text":"There's you know, you don't have to stick to six months. If you go, you know, one month, you just want an extra chat, let me know. That's what I'm here for, Yep. so there's Yep. no problem at all. Okay? Uh-huh. Yep.","start_word":8144,"end_word":8186,"sentiment":"neutral","sentiment_score":0.16775962710380554},{"text":"That's great. Perfect. Thank you. All good.","start_word":8187,"end_word":8193,"sentiment":"positive","sentiment_score":0.6359763741493225},{"text":"Not an issue at all. Is there anything else that you maybe wanted to ask or anything else you maybe wanted me to touch on with regards to the review? Or any other questions that you might have? No. No. I think I think No. that's that's great. I appreciate you looking at, Yeah. yeah, my portfolio and Absolutely. I mean, looking at everything, but also going through yeah. But it's I I know how comprehensive it is, and then it's amazing, the stuff that you guys do. So thank you. Yeah. Oh, thank you. But, yeah, I know that I know we'll we'll talk again soon anyway about Yeah. that massive investment anyway. So Absolutely. and thank you for, yeah, looking at that and rebalancing No problem. my portfolio. So that'll be great. Yeah. Yeah. Not No. an I think issue that's at all. good. Absolutely. Yeah.","start_word":8194,"end_word":8341,"sentiment":"neutral","sentiment_score":0.12622518837451935},{"text":"Thank you. Fantastic.","start_word":8342,"end_word":8344,"sentiment":"positive","sentiment_score":0.44074591994285583},{"text":"No worries. Well, I will get cracking on that research for you. The annual review docs will come through to you shortly. If you do happen to have any questions, please do let me know. I also do get Michelle to add in there the financial services guide, which outlines everything about who I am, my license number, and the information on us as well. So if you wanted to look me up or, you know, get the information or have a look at who what I look like, that's all in Mhmm. there Yes. for you as well. Okay? Okay.","start_word":8345,"end_word":8445,"sentiment":"neutral","sentiment_score":0.11752729368681956},{"text":"Oh, wonderful. Great. Beautiful. Thank you.","start_word":8446,"end_word":8451,"sentiment":"positive","sentiment_score":0.7262656092643738},{"text":"Yep. No I'll worries. I'll sign I'll that let you and go. then okay.","start_word":8452,"end_word":8465,"sentiment":"neutral","sentiment_score":0.1581534743309021},{"text":"Great. Easy. Thank you. Easy. I hope the kids are all okay and feel better soon. Thank Oh, you.","start_word":8466,"end_word":8484,"sentiment":"positive","sentiment_score":0.611801266670227},{"text":"Yes. I popped a movie on. I I saw you calling. I was like, okay. Movies, snacks, don't go. all good.","start_word":8485,"end_word":8505,"sentiment":"neutral","sentiment_score":0.10402072966098784},{"text":"Well, thank you so much for your time. I hope you have a lovely afternoon. Thank you.","start_word":8506,"end_word":8522,"sentiment":"positive","sentiment_score":0.7360242009162903},{"text":"Yes.","start_word":8523,"end_word":8523,"sentiment":"neutral","sentiment_score":0.29212450981140137},{"text":"You too, Diana. Thank you. Thanks, Jackie. I'll talk to you soon. Thank you.","start_word":8524,"end_word":8537,"sentiment":"positive","sentiment_score":0.46811115741729736},{"text":"Okay. Bye. Bye.","start_word":8538,"end_word":8540,"sentiment":"neutral","sentiment_score":0.16591989994049072}],"average":{"sentiment":"neutral","sentiment_score":0.061561818705669145}}}}