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So I was obviously giving you a call to go through your SOA that we spoke about last week and just go through some of the changes and details that I've popped in. Cool. Yeah. I sent it to you just ahead of the meeting so that way I knew that it definitely came in. So the the document kind of just, again, summarizes where things are at and where you were. And then what what the changes are are really based around the superannuation investment. So nothing too strenuous or crazy going on there, but just a bit of an uplift to some of the assets that you currently hold, moving them into just slightly better performing assets, slightly cheaper assets as well to just give you a better uplift to your superannuation over the long term. As we spoke about, we're not gonna touch or or do anything with your with your insurance policy. That just stays and remains where it's at. But the the the change really comes from moving or maneuvering around the superannuation assets. So we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance. So one of the assets that you hold at the moment is a Benelong Australian Equities Fund. It's a little bit expensive, not crazy, but it's just a little bit of bit of an expensive managed portfolio, which means it is quite diverse within the Australian market. But it's what's called a high conviction fund. And Bennelong has just stood behind their product, and we've we've we've been kinda standing with them for a bit. But at the moment, they're just not pulling through with their returns or with making any changes because, realistically, the global economic market is changing, and we expect our fund managers to change with how the global economic market is. Then along to not, they're very high conviction, as I said, so we've just lost faith. So we wanna pull out of that that fund and move assets into, obviously, keeping within the Australian market, but just into into another asset that's gonna give you that that better performance over the long term, which is where we're moving into a beta shares Australian 200. So it's just really yeah. Cool. It's just slight changes like that. Just, you know, sort of maneuvering out of sort of one asset that we just lost our faith in and maneuvering over to to another asset just to to get that better outcome for you. Nothing too too strenuous or crazy in terms of things. I'm not completely flipping your portfolio. I'm not, you know, moving you into, you know, high risk assets or, you know, going and and investing into into cryptocurrency or anything like that. Just really nice slight changes to to just get everything moving and and keeping on smooth. Did you have a question about any of the assets that I'm recommending? A lot of them were recommended to you in the last SOA, but it was just a couple that I I did change around. Okay. No. That's okay. Amazing. No. That's fine. So there will be because I'm selling out of some of the assets, there will be a slight CGT or capital gains tax event that does occur. It's about $700 that that it'll all all settle in interfund Is that because, you know, you've made a gain on your assets, so any investment gain has to be paid. So that'll all settle within funds when we move over to the new assets. But, otherwise, the the good thing is is that, historically, the new new fund that we're moving into or the new structure we're moving into has about a 2% or one and a half percent better performance rate and operates cheaper as well, which is nice. The investment investment fees are a couple $100 cheaper per annum. So you'll save some fees on there as well. Yeah. So, yeah, your your insurance stays the same. Your money stays within Hub. It's just the underlying assets that we're we're maneuvering around. I'm really sticking to the word maneuvering today, aren't I? Anyway, we're keeping you in a gross allocation. So it's still that sort of eighty twenty split. 80% invested heavily into the market, 20% little bit more conservative with conservative assets. So you fixed interest, your bond, stuff like that. Still, obviously, making sure that we're in the market. We don't wanna have too much sitting in cash. Your super fund has to have a 1.25 cash balance. So just over a thousand dollars or $1,100, it'll fit in cash on the fund. But otherwise, the rest of it's fully invested. It's just that 20% in more defensive assets than aggressive, you know, growth seeking assets. Cool. That's that's literally about it. And I know the document kind of goes on for a few pages. I guess the the probably, the the secondary part to that was as we discussed, making sure that we do get our beneficiary forms in place, which I got emailed out to you last week. Have you had a chance to think about and look at them? That's okay. That's okay. I know I I I still know that it's a it's a bit of a big decision, and it's something to still consider. You have them, which is good. It's just a matter of printing them and sort of thinking about where you wanna go. Realistically, for yourself, it may be something that's beneficial to nominate your legal personal representative, which is your estate, and then look at getting a will in place to just try and protect your assets a little bit more because you, you know, have the kids split between two different families and making sure that, you know, we can try and protect the money going to the kids rather than wherever, you know, you may not want it to go. So, yeah, if we get those ones back, that'll just cover everything there and just protect everything. Obviously, if you wanna nominate your your current partner, you can definitely nominate her direct. It just means that she'll get the funds immediately, and, you know, it won't go to your children. But that's just up to you as to how you wanna distribute it. Your will obviously allows you to have more control. Yeah. Amazing. That's that's pretty much the everything from me on that front. It's it's a a a little bit of a nice straightforward one. Just kinda seeking those better returns, cheaper investment costs, and just trying to make sure that we can get everything sort of moving kosher on that front. Just give it a bit of an uplift. Other than that, in the documents that I sent you, I did include the adviser c form for hub twenty four so we can continue acting as your servicing adviser because it's been twelve months since we tried to get everything in place. So this just allows us to do that and to finally get the advice implemented for you as well. So that'll be good. As soon as you sign this, I can get all the investments changed over. I usually sit down either first thing in the morning or last thing in the evening and do investment changes. So if you sign it today, I'll do it today. If you don't sign it till overnight, I will obviously just do it as soon as I'll do it tonight then. I'll sit down and I'll place all the trades and get everything happening for you tonight, and I'll keep an eye over on it over the next few days to make sure that all the trades go through smoothly. Benelon will take a couple yeah. Right? Benelon takes a couple of weeks to sell, so I'll keep an eye on it for a couple of weeks, just making sure that everything trades through nicely. And then, yeah, once it's all in, we're we're good to go. I'll make sure that everything buys in correctly with your contributions and everything like that, and that everything's kinda tracking on smooth. Okay? Amazing. Was there anything else that you wanted to talk about or any advice that you wanted to seek? Now that I can get these investments updated for you, which I'm so excited for, is there anything else that that I can do? Okay. Perfect. Well, if there is or, you know, when when you do, you know, get yourself ready to to, you know, buy the house or do anything that you're wanting to do, give me a call. Happy to have a chat, be a sounding board, or or help you out with that. Okay? Amazing. Perfect. Well, thank you so much for, a, being receptive and and just getting it and getting it done. I love it. No. No problem at all, Lucas. If there is anything that I can do, please don't hesitate to give me a call. Always happy to to have a chat. Perfect. You go on and have a great day. 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morning, Lucas. How are you going? Yeah. Good. Good.\n\nThank you. So I was obviously giving you a call to go through your SOA that we spoke about last week and just go through some of the changes and details that I've popped in. Cool. Yeah. I sent it to you just ahead of the meeting so that way I knew that it definitely came in.\n\nSo the the document kind of just, again, summarizes where things are at and where you were. And then what what the changes are are really based around the superannuation investment. So nothing too strenuous or crazy going on there, but just a bit of an uplift to some of the assets that you currently hold, moving them into just slightly better performing assets, slightly cheaper assets as well to just give you a better uplift to your superannuation over the long term. As we spoke about, we're not gonna touch or or do anything with your with your insurance policy. That just stays and remains where it's at.\n\nBut the the the change really comes from moving or maneuvering around the superannuation assets. So we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance. So one of the assets that you hold at the moment is a Benelong Australian Equities Fund. It's a little bit expensive, not crazy, but it's just a little bit of bit of an expensive managed portfolio, which means it is quite diverse within the Australian market. But it's what's called a high conviction fund.\n\nAnd Bennelong has just stood behind their product, and we've we've we've been kinda standing with them for a bit. But at the moment, they're just not pulling through with their returns or with making any changes because, realistically, the global economic market is changing, and we expect our fund managers to change with how the global economic market is. Then along to not, they're very high conviction, as I said, so we've just lost faith. So we wanna pull out of that that fund and move assets into, obviously, keeping within the Australian market, but just into into another asset that's gonna give you that that better performance over the long term, which is where we're moving into a beta shares Australian 200. So it's just really yeah.\n\nCool. It's just slight changes like that. Just, you know, sort of maneuvering out of sort of one asset that we just lost our faith in and maneuvering over to to another asset just to to get that better outcome for you. Nothing too too strenuous or crazy in terms of things. I'm not completely flipping your portfolio.\n\nI'm not, you know, moving you into, you know, high risk assets or, you know, going and and investing into into cryptocurrency or anything like that. Just really nice slight changes to to just get everything moving and and keeping on smooth. Did you have a question about any of the assets that I'm recommending? A lot of them were recommended to you in the last SOA, but it was just a couple that I I did change around. Okay.\n\nNo. That's okay. Amazing. No. That's fine.\n\nSo there will be because I'm selling out of some of the assets, there will be a slight CGT or capital gains tax event that does occur. It's about $700 that that it'll all all settle in interfund Is that because, you know, you've made a gain on your assets, so any investment gain has to be paid. So that'll all settle within funds when we move over to the new assets. But, otherwise, the the good thing is is that, historically, the new new fund that we're moving into or the new structure we're moving into has about a 2% or one and a half percent better performance rate and operates cheaper as well, which is nice. The investment investment fees are a couple $100 cheaper per annum.\n\nSo you'll save some fees on there as well. Yeah. So, yeah, your your insurance stays the same. Your money stays within Hub. It's just the underlying assets that we're we're maneuvering around.\n\nI'm really sticking to the word maneuvering today, aren't I? Anyway, we're keeping you in a gross allocation. So it's still that sort of eighty twenty split. 80% invested heavily into the market, 20% little bit more conservative with conservative assets. So you fixed interest, your bond, stuff like that.\n\nStill, obviously, making sure that we're in the market. We don't wanna have too much sitting in cash. Your super fund has to have a 1.25 cash balance. So just over a thousand dollars or $1,100, it'll fit in cash on the fund. But otherwise, the rest of it's fully invested.\n\nIt's just that 20% in more defensive assets than aggressive, you know, growth seeking assets. Cool. That's that's literally about it. And I know the document kind of goes on for a few pages. I guess the the probably, the the secondary part to that was as we discussed, making sure that we do get our beneficiary forms in place, which I got emailed out to you last week.\n\nHave you had a chance to think about and look at them? That's okay. That's okay. I know I I I still know that it's a it's a bit of a big decision, and it's something to still consider. You have them, which is good.\n\nIt's just a matter of printing them and sort of thinking about where you wanna go. Realistically, for yourself, it may be something that's beneficial to nominate your legal personal representative, which is your estate, and then look at getting a will in place to just try and protect your assets a little bit more because you, you know, have the kids split between two different families and making sure that, you know, we can try and protect the money going to the kids rather than wherever, you know, you may not want it to go. So, yeah, if we get those ones back, that'll just cover everything there and just protect everything. Obviously, if you wanna nominate your your current partner, you can definitely nominate her direct. It just means that she'll get the funds immediately, and, you know, it won't go to your children.\n\nBut that's just up to you as to how you wanna distribute it. Your will obviously allows you to have more control. Yeah. Amazing. That's that's pretty much the everything from me on that front.\n\nIt's it's a a a little bit of a nice straightforward one. Just kinda seeking those better returns, cheaper investment costs, and just trying to make sure that we can get everything sort of moving kosher on that front. Just give it a bit of an uplift. Other than that, in the documents that I sent you, I did include the adviser c form for hub twenty four so we can continue acting as your servicing adviser because it's been twelve months since we tried to get everything in place. So this just allows us to do that and to finally get the advice implemented for you as well.\n\nSo that'll be good. As soon as you sign this, I can get all the investments changed over. I usually sit down either first thing in the morning or last thing in the evening and do investment changes. So if you sign it today, I'll do it today. If you don't sign it till overnight, I will obviously just do it as soon as I'll do it tonight then.\n\nI'll sit down and I'll place all the trades and get everything happening for you tonight, and I'll keep an eye over on it over the next few days to make sure that all the trades go through smoothly. Benelon will take a couple yeah. Right? Benelon takes a couple of weeks to sell, so I'll keep an eye on it for a couple of weeks, just making sure that everything trades through nicely. And then, yeah, once it's all in, we're we're good to go.\n\nI'll make sure that everything buys in correctly with your contributions and everything like that, and that everything's kinda tracking on smooth. Okay? Amazing. Was there anything else that you wanted to talk about or any advice that you wanted to seek? Now that I can get these investments updated for you, which I'm so excited for, is there anything else that that I can do?\n\nOkay. Perfect. Well, if there is or, you know, when when you do, you know, get yourself ready to to, you know, buy the house or do anything that you're wanting to do, give me a call. Happy to have a chat, be a sounding board, or or help you out with that. Okay?\n\nAmazing. Perfect. Well, thank you so much for, a, being receptive and and just getting it and getting it done. I love it. No.\n\nNo problem at all, Lucas. If there is anything that I can do, please don't hesitate to give me a call. Always happy to to have a chat. Perfect. You go on and have a great day.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Lucas.","start":4.64,"end":5.68,"sentiment":"positive","sentiment_score":0.4726794759432475},{"text":"How are you going?","start":5.68,"end":6.58,"sentiment":"positive","sentiment_score":0.3984593600034714},{"text":"Yeah.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.3958818316459656},{"text":"Good.","start":8.96,"end":9.36,"sentiment":"positive","sentiment_score":0.618818461894989},{"text":"Good.","start":9.36,"end":9.84,"sentiment":"positive","sentiment_score":0.6797415018081665}],"sentiment":"positive","sentiment_score":0.4706317663192749,"num_words":10,"start":4.64,"end":9.84},{"sentences":[{"text":"Thank you.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.7018349468708038},{"text":"So I was obviously giving you a call to go through your SOA that we spoke about last week and just go through some of the changes and details that I've popped in.","start":12.535,"end":20.955,"sentiment":"neutral","sentiment_score":0.1402468148506049},{"text":"Cool.","start":23.015,"end":23.255001,"sentiment":"positive","sentiment_score":0.4465546011924744},{"text":"Yeah.","start":23.255001,"end":23.494999,"sentiment":"neutral","sentiment_score":0.3193088173866272},{"text":"I sent it to you just ahead of the meeting so that way I knew that it definitely came in.","start":23.494999,"end":28.43,"sentiment":"neutral","sentiment_score":0.3295989975333214}],"sentiment":"neutral","sentiment_score":0.23490628338696665,"num_words":57,"start":9.84,"end":28.43},{"sentences":[{"text":"So the the document kind of just, again, summarizes where things are at and where you were.","start":31.93,"end":41.005,"sentiment":"neutral","sentiment_score":0.1286712950643371},{"text":"And then what what the changes are are really based around the superannuation investment.","start":46.185,"end":52.445,"sentiment":"neutral","sentiment_score":0.07994283655924457},{"text":"So nothing too strenuous or crazy going on there, but just a bit of an uplift to some of the assets that you currently hold, moving them into just slightly better performing assets, slightly cheaper assets as well to just give you a better uplift to your superannuation over the long term.","start":52.53,"end":69.895004,"sentiment":"neutral","sentiment_score":0.19748163624451712},{"text":"As we spoke about, we're not gonna touch or or do anything with your with your insurance policy.","start":70.195,"end":74.435,"sentiment":"neutral","sentiment_score":-0.043776878673169345},{"text":"That just stays and remains where it's at.","start":74.435,"end":76.455,"sentiment":"neutral","sentiment_score":0.0401222612708807}],"sentiment":"neutral","sentiment_score":0.12026285400631231,"num_words":109,"start":31.93,"end":76.455},{"sentences":[{"text":"But the the the change really comes from moving or maneuvering around the superannuation assets.","start":78.130005,"end":84.05,"sentiment":"neutral","sentiment_score":-0.004655564778173963},{"text":"So we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance.","start":84.05,"end":94.275,"sentiment":"neutral","sentiment_score":0.08952507088261266},{"text":"So one of the assets that you hold at the moment is a Benelong Australian Equities Fund.","start":94.335,"end":102.354996,"sentiment":"neutral","sentiment_score":0.13558824360370636},{"text":"It's a little bit expensive, not crazy, but it's just a little bit of bit of an expensive managed portfolio, which means it is quite diverse within the Australian market.","start":102.575,"end":111.8,"sentiment":"neutral","sentiment_score":0.1077689861257871},{"text":"But it's what's called a high conviction fund.","start":112.42,"end":116.04,"sentiment":"neutral","sentiment_score":0.2665595952421427}],"sentiment":"neutral","sentiment_score":0.10273257636299155,"num_words":101,"start":78.130005,"end":116.04},{"sentences":[{"text":"And Bennelong has just stood behind their product, and we've we've we've been kinda standing with them for a bit.","start":116.58,"end":121.46,"sentiment":"neutral","sentiment_score":0.2877072893083096},{"text":"But at the moment, they're just not pulling through with their returns or with making any changes because, realistically, the global economic market is changing, and we expect our fund managers to change with how the global economic market is.","start":121.46,"end":135.895,"sentiment":"neutral","sentiment_score":-0.22575580794364214},{"text":"Then along to not, they're very high conviction, as I said, so we've just lost faith.","start":135.895,"end":141.52,"sentiment":"neutral","sentiment_score":-0.16709282295778394},{"text":"So we wanna pull out of that that fund and move assets into, obviously, keeping within the Australian market, but just into into another asset that's gonna give you that that better performance over the long term, which is where we're moving into a beta shares Australian 200.","start":141.58,"end":156.69499,"sentiment":"neutral","sentiment_score":0.13724524760618806},{"text":"So it's just really yeah.","start":158.275,"end":160.435,"sentiment":"neutral","sentiment_score":0.18985859155654908}],"sentiment":"neutral","sentiment_score":0.012306148402912671,"num_words":129,"start":116.58,"end":160.435},{"sentences":[{"text":"Cool.","start":160.435,"end":160.935,"sentiment":"positive","sentiment_score":0.5071362257003784},{"text":"It's just slight changes like that.","start":161.955,"end":163.715,"sentiment":"neutral","sentiment_score":0.32870548963546753},{"text":"Just, you know, sort of maneuvering out of sort of one asset that we just lost our faith in and maneuvering over to to another asset just to to get that better outcome for you.","start":163.715,"end":173.56,"sentiment":"neutral","sentiment_score":0.1769776261278561},{"text":"Nothing too too strenuous or crazy in terms of things.","start":173.86,"end":177.62,"sentiment":"neutral","sentiment_score":-0.1440017879009247},{"text":"I'm not completely flipping your portfolio.","start":177.62,"end":179.48,"sentiment":"neutral","sentiment_score":-0.1893920823931694}],"sentiment":"neutral","sentiment_score":0.10512440870034284,"num_words":58,"start":160.435,"end":179.48},{"sentences":[{"text":"I'm not, you know, moving you into, you know, high risk assets or, you know, going and and investing into into cryptocurrency or anything like that.","start":179.7,"end":189.565,"sentiment":"neutral","sentiment_score":-0.11104028356763032},{"text":"Just really nice slight changes to to just get everything moving and and keeping on smooth.","start":190.185,"end":195.645,"sentiment":"positive","sentiment_score":0.6331478022038937},{"text":"Did you have a question about any of the assets that I'm recommending?","start":198.13,"end":200.77,"sentiment":"neutral","sentiment_score":0.049415593107159324},{"text":"A lot of them were recommended to you in the last SOA, but it was just a couple that I I did change around.","start":200.77,"end":208.47,"sentiment":"neutral","sentiment_score":0.0025960943506409726},{"text":"Okay.","start":212.375,"end":212.875,"sentiment":"neutral","sentiment_score":0.000037806108593940735}],"sentiment":"neutral","sentiment_score":0.09935080304276198,"num_words":80,"start":179.7,"end":212.875},{"sentences":[{"text":"No.","start":213.335,"end":213.57501,"sentiment":"neutral","sentiment_score":-0.05472630634903908},{"text":"That's okay.","start":213.57501,"end":214.395,"sentiment":"neutral","sentiment_score":0.07190399244427681},{"text":"Amazing.","start":214.535,"end":215.035,"sentiment":"positive","sentiment_score":0.5493313074111938},{"text":"No.","start":219.815,"end":220.315,"sentiment":"neutral","sentiment_score":-0.08911556005477905},{"text":"That's fine.","start":220.375,"end":221.51001,"sentiment":"neutral","sentiment_score":-0.01135537214577198}],"sentiment":"neutral","sentiment_score":0.07522666880062648,"num_words":7,"start":213.335,"end":221.51001},{"sentences":[{"text":"So there will be because I'm selling out of some of the assets, there will be a slight CGT or capital gains tax event that does occur.","start":222.69,"end":229.19,"sentiment":"neutral","sentiment_score":-0.04880673617676452},{"text":"It's about $700 that that it'll all all settle in interfund Is that because, you know, you've made a gain on your assets, so any investment gain has to be paid.","start":229.33,"end":241.885,"sentiment":"neutral","sentiment_score":0.13315267320121488},{"text":"So that'll all settle within funds when we move over to the new assets.","start":242.265,"end":245.72499,"sentiment":"neutral","sentiment_score":0.15291701150791986},{"text":"But, otherwise, the the good thing is is that, historically, the new new fund that we're moving into or the new structure we're moving into has about a 2% or one and a half percent better performance rate and operates cheaper as well, which is nice.","start":246.345,"end":262.545,"sentiment":"positive","sentiment_score":0.6172084464975025},{"text":"The investment investment fees are a couple $100 cheaper per annum.","start":263.02502,"end":267.58502,"sentiment":"positive","sentiment_score":0.4458864060315219}],"sentiment":"neutral","sentiment_score":0.29648936557215316,"num_words":129,"start":222.69,"end":267.58502},{"sentences":[{"text":"So you'll save some fees on there as well.","start":267.58502,"end":270.885,"sentiment":"positive","sentiment_score":0.3688105410999722},{"text":"Yeah.","start":274.8,"end":275.3,"sentiment":"neutral","sentiment_score":0.2576525807380676},{"text":"So, yeah, your your insurance stays the same.","start":275.84,"end":278.0,"sentiment":"neutral","sentiment_score":0.28703214414417744},{"text":"Your money stays within Hub.","start":278.0,"end":279.36,"sentiment":"neutral","sentiment_score":0.2378042072057724},{"text":"It's just the underlying assets that we're we're maneuvering around.","start":279.36,"end":283.06,"sentiment":"neutral","sentiment_score":0.1933857262134552}],"sentiment":"neutral","sentiment_score":0.2726085727865046,"num_words":33,"start":267.58502,"end":283.06},{"sentences":[{"text":"I'm really sticking to the word maneuvering today, aren't I?","start":283.68,"end":285.91998,"sentiment":"neutral","sentiment_score":0.08791149109601974},{"text":"Anyway, we're keeping you in a gross allocation.","start":285.91998,"end":291.955,"sentiment":"neutral","sentiment_score":0.19375333935022354},{"text":"So it's still that sort of eighty twenty split.","start":292.01498,"end":294.35498,"sentiment":"neutral","sentiment_score":0.22488386763466728},{"text":"80% invested heavily into the market, 20% little bit more conservative with conservative assets.","start":294.415,"end":299.315,"sentiment":"neutral","sentiment_score":0.1673471980861255},{"text":"So you fixed interest, your bond, stuff like that.","start":299.535,"end":301.955,"sentiment":"neutral","sentiment_score":0.08460535357395808}],"sentiment":"neutral","sentiment_score":0.15114810779690743,"num_words":50,"start":283.68,"end":301.955},{"sentences":[{"text":"Still, obviously, making sure that we're in the market.","start":302.88,"end":304.72,"sentiment":"neutral","sentiment_score":0.10918672300047344},{"text":"We don't wanna have too much sitting in cash.","start":304.72,"end":306.74,"sentiment":"neutral","sentiment_score":0.025547732081678178},{"text":"Your super fund has to have a 1.25 cash balance.","start":306.80002,"end":310.08002,"sentiment":"neutral","sentiment_score":0.09969403445720673},{"text":"So just over a thousand dollars or $1,100, it'll fit in cash on the fund.","start":310.08002,"end":314.98,"sentiment":"neutral","sentiment_score":0.16079791982968647},{"text":"But otherwise, the rest of it's fully invested.","start":315.68503,"end":317.545,"sentiment":"neutral","sentiment_score":0.1812130520120263}],"sentiment":"neutral","sentiment_score":0.11904360105593999,"num_words":51,"start":302.88,"end":317.545},{"sentences":[{"text":"It's just that 20% in more defensive assets than aggressive, you know, growth seeking assets.","start":317.605,"end":325.385,"sentiment":"neutral","sentiment_score":0.11604664375384649},{"text":"Cool.","start":329.06,"end":329.38,"sentiment":"neutral","sentiment_score":0.22965675592422485},{"text":"That's that's literally about it.","start":329.38,"end":331.13998,"sentiment":"neutral","sentiment_score":0.1314854472875595},{"text":"And I know the document kind of goes on for a few pages.","start":331.13998,"end":334.6,"sentiment":"neutral","sentiment_score":0.06703027108540902},{"text":"I guess the the probably, the the secondary part to that was as we discussed, making sure that we do get our beneficiary forms in place, which I got emailed out to you last week.","start":335.62,"end":346.42502,"sentiment":"neutral","sentiment_score":0.12685516029596328}],"sentiment":"neutral","sentiment_score":0.11505953308896742,"num_words":69,"start":317.605,"end":346.42502},{"sentences":[{"text":"Have you had a chance to think about and look at them?","start":346.885,"end":350.58502,"sentiment":"neutral","sentiment_score":0.02760490806152423},{"text":"That's okay.","start":354.005,"end":354.745,"sentiment":"neutral","sentiment_score":0.053710008040070534},{"text":"That's okay.","start":355.41998,"end":356.22,"sentiment":"positive","sentiment_score":0.40027767419815063},{"text":"I know I I I still know that it's a it's a bit of a big decision, and it's something to still consider.","start":356.22,"end":360.8,"sentiment":"neutral","sentiment_score":-0.033176415640374886},{"text":"You have them, which is good.","start":361.74,"end":363.44,"sentiment":"positive","sentiment_score":0.5919235597054163}],"sentiment":"neutral","sentiment_score":0.08950484577152464,"num_words":45,"start":346.885,"end":363.44},{"sentences":[{"text":"It's just a matter of printing them and sort of thinking about where you wanna go.","start":363.74,"end":366.62,"sentiment":"neutral","sentiment_score":0.3172139562666416},{"text":"Realistically, for yourself, it may be something that's beneficial to nominate your legal personal representative, which is your estate, and then look at getting a will in place to just try and protect your assets a little bit more because you, you know, have the kids split between two different families and making sure that, you know, we can try and protect the money going to the kids rather than wherever, you know, you may not want it to go.","start":366.62,"end":392.71997,"sentiment":"neutral","sentiment_score":0.07256843182258307},{"text":"So, yeah, if we get those ones back, that'll just cover everything there and just protect everything.","start":395.865,"end":402.185,"sentiment":"neutral","sentiment_score":0.1442722077755367},{"text":"Obviously, if you wanna nominate your your current partner, you can definitely nominate her direct.","start":402.185,"end":406.365,"sentiment":"neutral","sentiment_score":0.16333452810843785},{"text":"It just means that she'll get the funds immediately, and, you know, it won't go to your children.","start":406.905,"end":415.09,"sentiment":"neutral","sentiment_score":0.09383134305891064}],"sentiment":"neutral","sentiment_score":0.11967470873249313,"num_words":146,"start":363.74,"end":415.09},{"sentences":[{"text":"But that's just up to you as to how you wanna distribute it.","start":416.43002,"end":419.95,"sentiment":"neutral","sentiment_score":0.07576193402592953},{"text":"Your will obviously allows you to have more control.","start":419.95,"end":422.93002,"sentiment":"neutral","sentiment_score":0.12189462573991881},{"text":"Yeah.","start":422.99002,"end":423.49002,"sentiment":"neutral","sentiment_score":0.32219770550727844},{"text":"Amazing.","start":426.815,"end":427.315,"sentiment":"positive","sentiment_score":0.6924065351486206},{"text":"That's that's pretty much the everything from me on that front.","start":428.175,"end":431.47498,"sentiment":"positive","sentiment_score":0.49516118927435443}],"sentiment":"neutral","sentiment_score":0.24409525990486144,"num_words":35,"start":416.43002,"end":431.47498},{"sentences":[{"text":"It's it's a a a little bit of a nice straightforward one.","start":432.175,"end":435.955,"sentiment":"positive","sentiment_score":0.41999417791763943},{"text":"Just kinda seeking those better returns, cheaper investment costs, and just trying to make sure that we can get everything sort of moving kosher on that front.","start":436.335,"end":444.33,"sentiment":"positive","sentiment_score":0.5003864434030321},{"text":"Just give it a bit of an uplift.","start":445.19,"end":446.57,"sentiment":"neutral","sentiment_score":0.30032601207494736},{"text":"Other than that, in the documents that I sent you, I did include the adviser c form for hub twenty four so we can continue acting as your servicing adviser because it's been twelve months since we tried to get everything in place.","start":446.94998,"end":464.825,"sentiment":"neutral","sentiment_score":0.14172227420779163},{"text":"So this just allows us to do that and to finally get the advice implemented for you as well.","start":465.365,"end":469.83,"sentiment":"positive","sentiment_score":0.5848517959055147}],"sentiment":"positive","sentiment_score":0.3500845331801187,"num_words":109,"start":432.175,"end":469.83},{"sentences":[{"text":"So that'll be good.","start":469.83,"end":471.45,"sentiment":"positive","sentiment_score":0.748948410153389},{"text":"As soon as you sign this, I can get all the investments changed over.","start":471.91,"end":475.27,"sentiment":"neutral","sentiment_score":0.30608660514865604},{"text":"I usually sit down either first thing in the morning or last thing in the evening and do investment changes.","start":475.27,"end":479.75,"sentiment":"neutral","sentiment_score":0.1793310321867466},{"text":"So if you sign it today, I'll do it today.","start":479.75,"end":482.215,"sentiment":"neutral","sentiment_score":0.1751547247171402},{"text":"If you don't sign it till overnight, I will obviously just do it as soon as I'll do it tonight then.","start":482.215,"end":490.155,"sentiment":"neutral","sentiment_score":0.16605823522522337}],"sentiment":"neutral","sentiment_score":0.2334260426569676,"num_words":69,"start":469.83,"end":490.155},{"sentences":[{"text":"I'll sit down and I'll place all the trades and get everything happening for you tonight, and I'll keep an eye over on it over the next few days to make sure that all the trades go through smoothly.","start":491.095,"end":499.25,"sentiment":"neutral","sentiment_score":0.2602493751507539},{"text":"Benelon will take a couple yeah.","start":500.03,"end":502.03,"sentiment":"neutral","sentiment_score":0.11681551362077396},{"text":"Right?","start":502.03,"end":502.53,"sentiment":"neutral","sentiment_score":0.10257268697023392},{"text":"Benelon takes a couple of weeks to sell, so I'll keep an eye on it for a couple of weeks, just making sure that everything trades through nicely.","start":503.79,"end":509.41,"sentiment":"neutral","sentiment_score":0.1415607923907893},{"text":"And then, yeah, once it's all in, we're we're good to go.","start":510.835,"end":513.475,"sentiment":"neutral","sentiment_score":0.3186355580886205}],"sentiment":"neutral","sentiment_score":0.21791302655325379,"num_words":86,"start":491.095,"end":513.475},{"sentences":[{"text":"I'll make sure that everything buys in correctly with your contributions and everything like that, and that everything's kinda tracking on smooth.","start":513.475,"end":521.89496,"sentiment":"positive","sentiment_score":0.33849118040366605},{"text":"Okay?","start":522.035,"end":522.535,"sentiment":"neutral","sentiment_score":0.1672043353319168},{"text":"Amazing.","start":525.17,"end":525.67,"sentiment":"positive","sentiment_score":0.6137301921844482},{"text":"Was there anything else that you wanted to talk about or any advice that you wanted to seek?","start":526.69,"end":531.73,"sentiment":"neutral","sentiment_score":0.21418013216720688},{"text":"Now that I can get these investments updated for you, which I'm so excited for, is there anything else that that I can do?","start":531.73,"end":538.39,"sentiment":"positive","sentiment_score":0.36502594128251076}],"sentiment":"neutral","sentiment_score":0.31581220403313637,"num_words":66,"start":513.475,"end":538.39},{"sentences":[{"text":"Okay.","start":542.105,"end":542.425,"sentiment":"neutral","sentiment_score":0.28656038641929626},{"text":"Perfect.","start":542.425,"end":542.925,"sentiment":"positive","sentiment_score":0.39393478631973267},{"text":"Well, if there is or, you know, when when you do, you know, get yourself ready to to, you know, buy the house or do anything that you're wanting to do, give me a call.","start":543.305,"end":552.46,"sentiment":"neutral","sentiment_score":0.2502704565014158},{"text":"Happy to have a chat, be a sounding board, or or help you out with that.","start":552.46,"end":555.42,"sentiment":"positive","sentiment_score":0.4151385575532913},{"text":"Okay?","start":555.42,"end":555.92,"sentiment":"neutral","sentiment_score":0.18365246057510376}],"sentiment":"neutral","sentiment_score":0.3012190839206731,"num_words":54,"start":542.105,"end":555.92},{"sentences":[{"text":"Amazing.","start":557.98,"end":558.48,"sentiment":"positive","sentiment_score":0.6346162557601929},{"text":"Perfect.","start":558.54,"end":559.04,"sentiment":"positive","sentiment_score":0.6123028993606567},{"text":"Well, thank you so much for, a, being receptive and and just getting it and getting it done.","start":559.10004,"end":563.58,"sentiment":"positive","sentiment_score":0.664114644130071},{"text":"I love it.","start":563.58,"end":564.4,"sentiment":"positive","sentiment_score":0.8925937612851461},{"text":"No.","start":567.005,"end":567.325,"sentiment":"positive","sentiment_score":0.38037359714508057}],"sentiment":"positive","sentiment_score":0.6774640679359436,"num_words":24,"start":557.98,"end":567.325},{"sentences":[{"text":"No problem at all, Lucas.","start":567.325,"end":568.685,"sentiment":"positive","sentiment_score":0.43911330699920653},{"text":"If there is anything that I can do, please don't hesitate to give me a call.","start":568.685,"end":571.80505,"sentiment":"neutral","sentiment_score":0.2565830531530082},{"text":"Always happy to to have a chat.","start":571.80505,"end":573.57886,"sentiment":"positive","sentiment_score":0.6039085132735116},{"text":"Perfect.","start":575.73883,"end":576.2189,"sentiment":"positive","sentiment_score":0.8394581079483032},{"text":"You go on and have a great 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Yeah. Pretty good. Yourself? Yeah. I'm just waiting for it now. Yeah. Yeah. Yep. I'm looking right now. Okay. Yep. I don't think so. I I thought that you guys would know a lot better than me about this. Yeah. Yeah. Yes. Yeah. Good. Yeah. Yep. Yeah. Yep. I have not looked at them at all. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. I'll I'll pick up. Thanks. Cool. Yeah. Yep. Yep. I've already tried it and sent it. Yep. Yep. Sounds good. No. That is fine. All good. Yeah. Awesome. Thank you. Yeah. Easy. You too. Alright. Thank you. 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good.","start":540.675,"end":541.335,"sentiment":"neutral","sentiment_score":0.2555010914802551},{"text":"Yeah.","start":556.29004,"end":556.69,"sentiment":"neutral","sentiment_score":0.2693357467651367},{"text":"Awesome.","start":556.69,"end":557.19,"sentiment":"positive","sentiment_score":0.5836192965507507}],"sentiment":"neutral","sentiment_score":0.23216652404516935,"num_words":8,"start":539.795,"end":557.19},{"sentences":[{"text":"Thank you.","start":565.495,"end":566.315,"sentiment":"positive","sentiment_score":0.8297682404518127},{"text":"Yeah.","start":573.91,"end":574.39,"sentiment":"positive","sentiment_score":0.4082759022712707},{"text":"Easy.","start":574.39,"end":574.89,"sentiment":"positive","sentiment_score":0.6615772247314453},{"text":"You too.","start":578.31,"end":578.95,"sentiment":"positive","sentiment_score":0.5545072555541992},{"text":"Alright.","start":578.95,"end":579.19,"sentiment":"positive","sentiment_score":0.3638673722743988}],"sentiment":"positive","sentiment_score":0.6003244987555912,"num_words":7,"start":565.495,"end":579.19},{"sentences":[{"text":"Thank you.","start":579.19,"end":579.75,"sentiment":"positive","sentiment_score":0.6799078285694122},{"text":"Bye.","start":579.75,"end":580.25,"sentiment":"positive","sentiment_score":0.3645409941673279}],"sentiment":"positive","sentiment_score":0.5747855504353842,"num_words":3,"start":579.19,"end":580.25}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning.\n\nChannel 0: Good morning, Lucas. How are you going?\n\nChannel 1: Yeah. Pretty good. Yourself?\n\nChannel 0: Yeah. Good. Good. Thank you. So I was obviously giving you a call to go through your SOA that we spoke about last week and just go through some of the changes and details that I've popped in.\n\nChannel 1: Yeah. I'm just waiting for it now.\n\nChannel 0: Cool. Yeah. I sent it to you just ahead of the meeting so that way I knew that it definitely came in.\n\nChannel 1: Yeah.\n\nChannel 0: So the the document kind of just, again, summarizes where things are at and where you were.\n\nChannel 1: Yeah.\n\nChannel 0: And then what what the changes are are really based around the superannuation investment. So nothing too strenuous or crazy going on there, but just a bit of an uplift to some of the assets that you currently hold, moving them into just slightly better performing assets, slightly cheaper assets as well to just give you a better uplift to your superannuation over the long term. As we spoke about, we're not gonna touch or or do anything with your with your insurance policy. That just stays and remains where it's at. But the the the change really comes from moving or maneuvering around the superannuation assets.\n\nSo we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance. So one of the assets that you hold at the moment is a Benelong Australian Equities Fund. It's a little bit expensive, not crazy, but it's just a little bit of bit of an expensive managed portfolio, which means it is quite diverse within the Australian market. But it's what's called a high conviction fund. And Bennelong has just stood behind their product, and we've we've we've been kinda standing with them for a bit.\n\nBut at the moment, they're just not pulling through with their returns or with making any changes because, realistically, the global economic market is changing, and we expect our fund managers to change with how the global economic market is. Then along to not, they're very high conviction, as I said, so we've just lost faith. So we wanna pull out of that that fund and move assets into, obviously, keeping within the Australian market, but just into into another asset that's gonna give you that that better performance over the long term, which is where we're moving into a beta shares Australian 200.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: I'm\n\nChannel 0: it's\n\nChannel 1: looking\n\nChannel 0: just really\n\nChannel 1: right now.\n\nChannel 0: yeah. Cool. It's just slight changes like that. Just, you know, sort of maneuvering out of sort of one asset that we just lost our faith in and maneuvering over to to another asset just to to get that better outcome for you. Nothing too too strenuous or crazy in terms of things.\n\nI'm not completely flipping your portfolio. I'm not, you know, moving you into, you know, high risk assets or, you know, going and and investing into into cryptocurrency or anything like that.\n\nChannel 1: Okay.\n\nChannel 0: Just really nice slight changes to to just get everything moving and and keeping on smooth.\n\nChannel 1: Yep.\n\nChannel 0: Did you have a question about any of the assets that I'm recommending? A lot of them were recommended to you in the last SOA, but it was just a couple that I I did change around.\n\nChannel 1: I don't think so.\n\nChannel 0: Okay. No. That's okay.\n\nChannel 1: I\n\nChannel 0: Amazing.\n\nChannel 1: I thought that you guys would know a lot better than me about this.\n\nChannel 0: No. That's fine. So there will be because I'm selling out of some of the assets, there will be a slight CGT or capital gains tax event that does occur. It's about $700 that that it'll all all settle in interfund\n\nChannel 1: Yeah.\n\nChannel 0: Is that because, you know, you've made a gain on your assets, so any investment gain has to be paid. So that'll\n\nChannel 1: Yeah.\n\nChannel 0: all settle within funds when we move over to the new assets. But, otherwise, the the good thing is is that, historically, the new new fund that we're moving into or the new structure we're moving into has about a 2% or one and a half percent better performance rate and operates cheaper as well, which is nice.\n\nChannel 1: Yes.\n\nChannel 0: The investment investment fees are a couple $100 cheaper per annum. So you'll\n\nChannel 1: Yeah.\n\nChannel 0: save some fees on there as well.\n\nChannel 1: Good.\n\nChannel 0: Yeah. So, yeah, your your insurance stays the same. Your money stays within Hub. It's just the underlying assets that we're we're maneuvering around. I'm really sticking to the word maneuvering today, aren't I?\n\nAnyway, we're keeping you in a gross allocation. So it's still that sort of eighty twenty split. 80% invested heavily into the market, 20% little bit more conservative with conservative assets. So you fixed interest, your bond, stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: Still, obviously, making sure that we're in the market. We don't wanna have too much sitting in cash. Your super fund has to have a 1.25 cash balance. So just over a thousand dollars or $1,100, it'll\n\nChannel 1: Yep.\n\nChannel 0: fit in cash on the fund. But otherwise, the rest of it's fully invested. It's just that 20% in more defensive assets than aggressive, you know, growth seeking assets.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. That's that's literally about it. And I know the document kind of goes on for a few pages. I guess the the probably, the the secondary part to that was as we discussed, making sure that we do get our beneficiary forms in place, which I got emailed out to you last week. Have you\n\nChannel 1: Yep.\n\nChannel 0: had a chance to think about and look at them?\n\nChannel 1: I have not looked at them at all.\n\nChannel 0: That's okay. That's okay. I know I I I still know that it's a it's a bit of a big decision, and it's something to still consider. You have them, which is good. It's just a matter of printing them and sort of thinking about where you wanna go.\n\nRealistically, for yourself, it may be something that's beneficial to nominate your legal personal representative,\n\nChannel 1: Yeah.\n\nChannel 0: which is your estate, and then look at getting a will in place to just try and protect your assets a little bit more because you, you know, have the kids split between two different families and making\n\nChannel 1: Yeah.\n\nChannel 0: sure that, you know, we can try and protect the money going to the kids rather than wherever, you know, you may not want it to go.\n\nChannel 1: Yeah.\n\nChannel 0: So, yeah, if we get those ones back, that'll just cover everything there and just protect everything. Obviously, if you wanna nominate your your current partner, you can definitely nominate her direct. It\n\nChannel 1: Yep.\n\nChannel 0: just means that she'll get the funds immediately, and, you know, it won't go to your children. But that's just up to you as to how you wanna distribute\n\nChannel 1: Yeah.\n\nChannel 0: it. Your\n\nChannel 1: Yeah.\n\nChannel 0: will obviously\n\nChannel 1: I'll\n\nChannel 0: allows\n\nChannel 1: I'll pick\n\nChannel 0: you\n\nChannel 1: up.\n\nChannel 0: to\n\nChannel 1: Thanks.\n\nChannel 0: have more control. Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Amazing. That's that's pretty much the everything from me on that front.\n\nChannel 1: Yeah.\n\nChannel 0: It's it's a a a little bit of a nice straightforward one. Just kinda seeking those better returns, cheaper investment costs, and just trying to make sure that we can get everything sort of moving kosher on that front. Just give it a bit of an uplift. Other than that, in the documents that I sent you, I did include the adviser c form for hub twenty four so we can continue acting as your servicing adviser\n\nChannel 1: Yep.\n\nChannel 0: because it's been twelve months since we tried to get everything in place. So\n\nChannel 1: Yep.\n\nChannel 0: this just allows us to do that and to finally get the advice implemented for you as well. So that'll be good. As soon as you sign this, I can get all the investments changed over. I usually sit down either first thing in the morning or last thing in the evening and do investment changes. So if you sign it today, I'll do it today.\n\nIf you don't sign it till overnight, I will obviously\n\nChannel 1: I've already\n\nChannel 0: just\n\nChannel 1: tried\n\nChannel 0: do\n\nChannel 1: it\n\nChannel 0: it\n\nChannel 1: and\n\nChannel 0: as\n\nChannel 1: sent\n\nChannel 0: soon\n\nChannel 1: it.\n\nChannel 0: as I'll do it tonight then. I'll sit down and I'll place all the trades and get everything happening for you tonight, and I'll keep an eye over on it over the next few days to make sure that all the trades go through smoothly. Benelon will take a couple yeah. Right? Benelon takes a couple of weeks to sell, so I'll keep an eye on it for a couple of weeks, just making sure that everything trades through nicely.\n\nChannel 1: Yep.\n\nChannel 0: And then, yeah, once it's all in, we're we're good to go. I'll make sure that everything buys in correctly with your contributions and everything like that, and that everything's kinda tracking on smooth. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Amazing. Was there anything else that you wanted to talk about or any advice that you wanted to seek? Now that I can get these investments updated for you, which I'm so excited for, is there anything else that that I can do?\n\nChannel 1: No. That is fine. All good.\n\nChannel 0: Okay. Perfect. Well, if there is or, you know, when when you do, you know, get yourself ready to to, you know, buy the house or do anything that you're wanting to do, give me a call. Happy to have a chat, be a sounding board, or or help you out with that. Okay?\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: Amazing. Perfect. Well, thank you so much for, a, being receptive and and just getting it and getting it done. I love it.\n\nChannel 1: Thank you.\n\nChannel 0: No. No problem at all, Lucas. If there is anything that I can do, please don't hesitate to give me a call. Always happy to to have a chat.\n\nChannel 1: Yeah. Easy.\n\nChannel 0: Perfect. You go on and have a great day.\n\nChannel 1: You too. Alright. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.92,"end":2.74,"sentiment":"positive","sentiment_score":0.4323079138994217}],"sentiment":"positive","sentiment_score":0.4323079138994217,"channel":1,"num_words":2,"start":1.92,"end":2.74},{"sentences":[{"text":"Good morning, Lucas.","start":4.64,"end":5.68,"sentiment":"positive","sentiment_score":0.4726794759432475},{"text":"How are you going?","start":5.68,"end":6.58,"sentiment":"positive","sentiment_score":0.3984593600034714}],"sentiment":"positive","sentiment_score":0.4302679811205183,"channel":0,"num_words":7,"start":4.64,"end":6.58},{"sentences":[{"text":"Yeah.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.4469886422157288},{"text":"Pretty good.","start":7.2799997,"end":7.68,"sentiment":"positive","sentiment_score":0.6776559054851532},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.3352664113044739}],"sentiment":"positive","sentiment_score":0.5343917161226273,"channel":1,"num_words":4,"start":6.96,"end":8.18},{"sentences":[{"text":"Yeah.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.3958818316459656},{"text":"Good.","start":8.96,"end":9.36,"sentiment":"positive","sentiment_score":0.618818461894989},{"text":"Good.","start":9.36,"end":9.84,"sentiment":"positive","sentiment_score":0.6797415018081665},{"text":"Thank you.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.7018349468708038},{"text":"So I was obviously giving you a call to go through your SOA that we spoke about last week and just go through some of the changes and details that I've popped in.","start":12.535,"end":20.955,"sentiment":"neutral","sentiment_score":0.1402468148506049}],"sentiment":"neutral","sentiment_score":0.20332254155686028,"channel":0,"num_words":38,"start":8.48,"end":20.955},{"sentences":[{"text":"Yeah.","start":21.005001,"end":21.325,"sentiment":"neutral","sentiment_score":0.10911700129508972},{"text":"I'm just waiting for it now.","start":21.325,"end":22.785,"sentiment":"neutral","sentiment_score":0.19689190139373144}],"sentiment":"neutral","sentiment_score":0.18435262995106833,"channel":1,"num_words":7,"start":21.005001,"end":22.785},{"sentences":[{"text":"Cool.","start":23.015,"end":23.255001,"sentiment":"positive","sentiment_score":0.4465546011924744},{"text":"Yeah.","start":23.255001,"end":23.494999,"sentiment":"neutral","sentiment_score":0.3193088173866272},{"text":"I sent it to you just ahead of the meeting so that way I knew that it definitely came in.","start":23.494999,"end":28.43,"sentiment":"neutral","sentiment_score":0.3295989975333214}],"sentiment":"positive","sentiment_score":0.33444742587479676,"channel":0,"num_words":22,"start":23.015,"end":28.43},{"sentences":[{"text":"Yeah.","start":28.51,"end":29.01,"sentiment":"neutral","sentiment_score":0.15441715717315674}],"sentiment":"neutral","sentiment_score":0.15441715717315674,"channel":1,"num_words":1,"start":28.51,"end":29.01},{"sentences":[{"text":"So the the document kind of just, again, summarizes where things are at and where you were.","start":31.93,"end":41.005,"sentiment":"neutral","sentiment_score":0.1286712950643371}],"sentiment":"neutral","sentiment_score":0.1286712950643371,"channel":0,"num_words":17,"start":31.93,"end":41.005},{"sentences":[{"text":"Yeah.","start":41.965,"end":42.465,"sentiment":"neutral","sentiment_score":0.0919923335313797}],"sentiment":"neutral","sentiment_score":0.0919923335313797,"channel":1,"num_words":1,"start":41.965,"end":42.465},{"sentences":[{"text":"And then what what the changes are are really based around the superannuation investment.","start":46.185,"end":52.445,"sentiment":"neutral","sentiment_score":0.07994283655924457},{"text":"So nothing too strenuous or crazy going on there, but just a bit of an uplift to some of the assets that you currently hold, moving them into just slightly better performing assets, slightly cheaper assets as well to just give you a better uplift to your superannuation over the long term.","start":52.53,"end":69.895004,"sentiment":"neutral","sentiment_score":0.19748163624451712},{"text":"As we spoke about, we're not gonna touch or or do anything with your with your insurance policy.","start":70.195,"end":74.435,"sentiment":"neutral","sentiment_score":-0.043776878673169345},{"text":"That just stays and remains where it's at.","start":74.435,"end":76.455,"sentiment":"neutral","sentiment_score":0.0401222612708807},{"text":"But the the the change really comes from moving or maneuvering around the superannuation assets.","start":78.130005,"end":84.05,"sentiment":"neutral","sentiment_score":-0.004655564778173963}],"sentiment":"neutral","sentiment_score":0.10141500559739908,"channel":0,"num_words":107,"start":46.185,"end":84.05},{"sentences":[{"text":"So we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance.","start":84.05,"end":94.275,"sentiment":"neutral","sentiment_score":0.08952507088261266},{"text":"So one of the assets that you hold at the moment is a Benelong Australian Equities Fund.","start":94.335,"end":102.354996,"sentiment":"neutral","sentiment_score":0.13558824360370636},{"text":"It's a little bit expensive, not crazy, but it's just a little bit of bit of an expensive managed portfolio, which means it is quite diverse within the Australian market.","start":102.575,"end":111.8,"sentiment":"neutral","sentiment_score":0.1077689861257871},{"text":"But it's what's called a high conviction fund.","start":112.42,"end":116.04,"sentiment":"neutral","sentiment_score":0.2665595952421427},{"text":"And Bennelong has just stood behind their product, and we've we've we've been kinda standing with them for a 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outcome for you.","start":163.715,"end":173.56,"sentiment":"neutral","sentiment_score":0.1769776261278561},{"text":"Nothing too too strenuous or crazy in terms of things.","start":173.86,"end":177.62,"sentiment":"neutral","sentiment_score":-0.1440017879009247}],"sentiment":"neutral","sentiment_score":0.14169496536817192,"channel":0,"num_words":53,"start":160.19499,"end":177.62},{"sentences":[{"text":"I'm not completely flipping your portfolio.","start":177.62,"end":179.48,"sentiment":"neutral","sentiment_score":-0.1893920823931694},{"text":"I'm not, you know, moving you into, you know, high risk assets or, you know, going and and investing into into cryptocurrency or anything like 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assets.","start":317.605,"end":325.385,"sentiment":"neutral","sentiment_score":0.11604664375384649}],"sentiment":"neutral","sentiment_score":0.139934611217729,"channel":0,"num_words":29,"start":313.36002,"end":325.385},{"sentences":[{"text":"Yeah.","start":326.375,"end":326.875,"sentiment":"neutral","sentiment_score":0.15436485409736633}],"sentiment":"neutral","sentiment_score":0.15436485409736633,"channel":1,"num_words":1,"start":326.375,"end":326.875},{"sentences":[{"text":"Cool.","start":329.06,"end":329.38,"sentiment":"neutral","sentiment_score":0.22965675592422485},{"text":"That's that's literally about it.","start":329.38,"end":331.13998,"sentiment":"neutral","sentiment_score":0.1314854472875595},{"text":"And I know the document kind of goes on for a few pages.","start":331.13998,"end":334.6,"sentiment":"neutral","sentiment_score":0.06703027108540902},{"text":"I guess the the probably, the the secondary part to that was as we discussed, making sure that we do get our beneficiary 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already","start":485.01498,"end":485.495,"sentiment":"neutral","sentiment_score":0.21058005094528198}],"sentiment":"neutral","sentiment_score":0.21058005094528198,"channel":1,"num_words":2,"start":485.01498,"end":485.495},{"sentences":[{"text":"just","start":485.255,"end":485.495,"sentiment":"neutral","sentiment_score":0.21336357295513153}],"sentiment":"neutral","sentiment_score":0.21336357295513153,"channel":0,"num_words":1,"start":485.255,"end":485.495},{"sentences":[{"text":"tried","start":485.495,"end":485.655,"sentiment":"neutral","sentiment_score":0.15121608972549438}],"sentiment":"neutral","sentiment_score":0.15121608972549438,"channel":1,"num_words":1,"start":485.495,"end":485.655},{"sentences":[{"text":"do","start":485.495,"end":485.655,"sentiment":"neutral","sentiment_score":0.1771126389503479}],"sentiment":"neutral","sentiment_score":0.1771126389503479,"channel":0,"num_words":1,"start":485.495,"end":485.655},{"sentences":[{"text":"it","start":485.655,"end":485.81497,"sentiment":"neutral","sentiment_score":0.24351176619529724}],"sentiment":"neutral","sentiment_score":0.24351176619529724,"channel":1,"num_words":1,"start":485.655,"end":485.81497},{"sentences":[{"text":"it","start":485.655,"end":485.895,"sentiment":"neutral","sentiment_score":0.2073340266942978}],"sentiment":"neutral","sentiment_score":0.2073340266942978,"channel":0,"num_words":1,"start":485.655,"end":485.895},{"sentences":[{"text":"and","start":485.81497,"end":485.97498,"sentiment":"neutral","sentiment_score":0.19879993796348572}],"sentiment":"neutral","sentiment_score":0.19879993796348572,"channel":1,"num_words":1,"start":485.81497,"end":485.97498},{"sentences":[{"text":"as","start":485.895,"end":486.055,"sentiment":"neutral","sentiment_score":0.20298245549201965}],"sentiment":"neutral","sentiment_score":0.20298245549201965,"channel":0,"num_words":1,"start":485.895,"end":486.055},{"sentences":[{"text":"sent","start":485.97498,"end":486.215,"sentiment":"neutral","sentiment_score":0.14820599555969238}],"sentiment":"neutral","sentiment_score":0.14820599555969238,"channel":1,"num_words":1,"start":485.97498,"end":486.215},{"sentences":[{"text":"soon","start":486.055,"end":486.555,"sentiment":"neutral","sentiment_score":0.14885787665843964}],"sentiment":"neutral","sentiment_score":0.14885787665843964,"channel":0,"num_words":1,"start":486.055,"end":486.555},{"sentences":[{"text":"it.","start":486.215,"end":486.715,"sentiment":"neutral","sentiment_score":0.21319152414798737}],"sentiment":"neutral","sentiment_score":0.21319152414798737,"channel":1,"num_words":1,"start":486.215,"end":486.715},{"sentences":[{"text":"as I'll do it tonight then.","start":488.135,"end":490.155,"sentiment":"neutral","sentiment_score":0.2111301893989245},{"text":"I'll sit down and I'll place all the trades and get everything happening for you tonight, and I'll keep an eye over on it over the next few days to make sure that all the trades go through smoothly.","start":491.095,"end":499.25,"sentiment":"neutral","sentiment_score":0.2602493751507539},{"text":"Benelon will take a couple yeah.","start":500.03,"end":502.03,"sentiment":"neutral","sentiment_score":0.11681551362077396},{"text":"Right?","start":502.03,"end":502.53,"sentiment":"neutral","sentiment_score":0.10257268697023392},{"text":"Benelon takes a couple of weeks to sell, so I'll keep an eye on it for a couple of weeks, just making sure that everything trades through nicely.","start":503.79,"end":509.41,"sentiment":"neutral","sentiment_score":0.1415607923907893}],"sentiment":"neutral","sentiment_score":0.20229593403637408,"channel":0,"num_words":80,"start":488.135,"end":509.41},{"sentences":[{"text":"Yep.","start":510.155,"end":510.655,"sentiment":"neutral","sentiment_score":0.16190460324287417}],"sentiment":"neutral","sentiment_score":0.16190460324287417,"channel":1,"num_words":1,"start":510.155,"end":510.655},{"sentences":[{"text":"And then, yeah, once it's all in, we're we're good to go.","start":510.835,"end":513.475,"sentiment":"neutral","sentiment_score":0.3186355580886205},{"text":"I'll make sure that everything buys in correctly with your contributions and everything like that, and that everything's kinda tracking on smooth.","start":513.475,"end":521.89496,"sentiment":"positive","sentiment_score":0.33849118040366605},{"text":"Okay?","start":522.035,"end":522.535,"sentiment":"neutral","sentiment_score":0.1672043353319168}],"sentiment":"neutral","sentiment_score":0.3267896286078862,"channel":0,"num_words":35,"start":510.835,"end":522.535},{"sentences":[{"text":"Yep.","start":523.24,"end":523.74,"sentiment":"neutral","sentiment_score":0.2403150498867035},{"text":"Sounds good.","start":524.04,"end":524.86,"sentiment":"positive","sentiment_score":0.5821903347969055}],"sentiment":"positive","sentiment_score":0.4682319064935048,"channel":1,"num_words":3,"start":523.24,"end":524.86},{"sentences":[{"text":"Amazing.","start":525.17,"end":525.67,"sentiment":"positive","sentiment_score":0.6137301921844482},{"text":"Was there anything else that you wanted to talk about or any advice that you wanted to seek?","start":526.69,"end":531.73,"sentiment":"neutral","sentiment_score":0.21418013216720688},{"text":"Now that I can get these investments updated for you, which I'm so excited for, is there anything else that that I can do?","start":531.73,"end":538.39,"sentiment":"positive","sentiment_score":0.36502594128251076}],"sentiment":"neutral","sentiment_score":0.3076650037668472,"channel":0,"num_words":43,"start":525.17,"end":538.39},{"sentences":[{"text":"No.","start":539.795,"end":539.955,"sentiment":"neutral","sentiment_score":0.06872420758008957},{"text":"That is fine.","start":539.955,"end":540.675,"sentiment":"neutral","sentiment_score":0.14155025283495584},{"text":"All good.","start":540.675,"end":541.335,"sentiment":"neutral","sentiment_score":0.2555010914802551}],"sentiment":"neutral","sentiment_score":0.1673961915075779,"channel":1,"num_words":6,"start":539.795,"end":541.335},{"sentences":[{"text":"Okay.","start":542.105,"end":542.425,"sentiment":"neutral","sentiment_score":0.28656038641929626},{"text":"Perfect.","start":542.425,"end":542.925,"sentiment":"positive","sentiment_score":0.39393478631973267},{"text":"Well, if there is or, you know, when when you do, you know, get yourself ready to to, you know, buy the house or do anything that you're wanting to do, give me a call.","start":543.305,"end":552.46,"sentiment":"neutral","sentiment_score":0.2502704565014158},{"text":"Happy to have a chat, be a sounding board, or or help you out with that.","start":552.46,"end":555.42,"sentiment":"positive","sentiment_score":0.4151385575532913},{"text":"Okay?","start":555.42,"end":555.92,"sentiment":"neutral","sentiment_score":0.18365246057510376}],"sentiment":"neutral","sentiment_score":0.3012190839206731,"channel":0,"num_words":54,"start":542.105,"end":555.92},{"sentences":[{"text":"Yeah.","start":556.29004,"end":556.69,"sentiment":"neutral","sentiment_score":0.2693357467651367},{"text":"Awesome.","start":556.69,"end":557.19,"sentiment":"positive","sentiment_score":0.5836192965507507}],"sentiment":"positive","sentiment_score":0.4264775216579437,"channel":1,"num_words":2,"start":556.29004,"end":557.19},{"sentences":[{"text":"Amazing.","start":557.98,"end":558.48,"sentiment":"positive","sentiment_score":0.6346162557601929},{"text":"Perfect.","start":558.54,"end":559.04,"sentiment":"positive","sentiment_score":0.6123028993606567},{"text":"Well, thank you so much for, a, being receptive and and just getting it and getting it done.","start":559.10004,"end":563.58,"sentiment":"positive","sentiment_score":0.664114644130071},{"text":"I love it.","start":563.58,"end":564.4,"sentiment":"positive","sentiment_score":0.8925937612851461}],"sentiment":"positive","sentiment_score":0.6903810449268507,"channel":0,"num_words":23,"start":557.98,"end":564.4},{"sentences":[{"text":"Thank you.","start":565.495,"end":566.315,"sentiment":"positive","sentiment_score":0.8297682404518127}],"sentiment":"positive","sentiment_score":0.8297682404518127,"channel":1,"num_words":2,"start":565.495,"end":566.315},{"sentences":[{"text":"No.","start":567.005,"end":567.325,"sentiment":"positive","sentiment_score":0.38037359714508057},{"text":"No problem at all, Lucas.","start":567.325,"end":568.685,"sentiment":"positive","sentiment_score":0.43911330699920653},{"text":"If there is anything that I can do, please don't hesitate to give me a call.","start":568.685,"end":571.80505,"sentiment":"neutral","sentiment_score":0.2565830531530082},{"text":"Always happy to to have a chat.","start":571.80505,"end":573.57886,"sentiment":"positive","sentiment_score":0.6039085132735116}],"sentiment":"positive","sentiment_score":0.37615960605185605,"channel":0,"num_words":29,"start":567.005,"end":573.57886},{"sentences":[{"text":"Yeah.","start":573.91,"end":574.39,"sentiment":"positive","sentiment_score":0.4082759022712707},{"text":"Easy.","start":574.39,"end":574.89,"sentiment":"positive","sentiment_score":0.6615772247314453}],"sentiment":"positive","sentiment_score":0.534926563501358,"channel":1,"num_words":2,"start":573.91,"end":574.89},{"sentences":[{"text":"Perfect.","start":575.73883,"end":576.2189,"sentiment":"positive","sentiment_score":0.8394581079483032},{"text":"You go on and have a great day.","start":576.2189,"end":578.07886,"sentiment":"positive","sentiment_score":0.817790113389492}],"sentiment":"positive","sentiment_score":0.820197668340471,"channel":0,"num_words":9,"start":575.73883,"end":578.07886},{"sentences":[{"text":"You too.","start":578.31,"end":578.95,"sentiment":"positive","sentiment_score":0.5545072555541992},{"text":"Alright.","start":578.95,"end":579.19,"sentiment":"positive","sentiment_score":0.3638673722743988},{"text":"Thank you.","start":579.19,"end":579.75,"sentiment":"positive","sentiment_score":0.6799078285694122},{"text":"Bye.","start":579.75,"end":580.25,"sentiment":"positive","sentiment_score":0.3645409941673279}],"sentiment":"positive","sentiment_score":0.5328730891148249,"channel":1,"num_words":6,"start":578.31,"end":580.25},{"sentences":[{"text":"Bye.","start":580.37885,"end":580.87885,"sentiment":"neutral","sentiment_score":-0.12733858823776245}],"sentiment":"neutral","sentiment_score":-0.12733858823776245,"channel":0,"num_words":1,"start":580.37885,"end":580.87885}]},"summary":{"result":"success","short":"The speaker discusses changes to the SOA with Lucas, including moving into high-risk assets and reducing fees for investment gains. They emphasize the importance of completing the process of nominating a legal personal representative and filling adviser c forms for the company. The company emphasizes the need for better returns and cost-effective investments, as well as updating investments and offering to assist with anything else. The speaker also mentions the process of updating investments and offers to help with anything else."},"intents":{"segments":[{"text":"So I was obviously giving you a call to go through your SOA that we spoke about last week and just go through some of the changes and details that I've popped in. Yeah.","start_word":18,"end_word":51,"intents":[{"intent":"Discuss soa","confidence_score":0.073181264}]},{"text":"So the the document kind of just, again, summarizes where things are at and where you were. Yeah.","start_word":81,"end_word":98,"intents":[{"intent":"Understand asset performance","confidence_score":0.00009990504}]},{"text":"And then what what the changes are are really based around the superannuation investment. So nothing too strenuous or crazy going on there, but just a bit of an uplift to some of the assets that you currently hold, moving them into just slightly better performing assets, slightly cheaper assets as well to just give you a better uplift to your superannuation over the long term.","start_word":99,"end_word":164,"intents":[{"intent":"Discuss investment changes","confidence_score":0.0026459885},{"intent":"Mention investment","confidence_score":0.00090150593}]},{"text":"As we spoke about, we're not gonna touch or or do anything with your with your insurance policy. That just stays and remains where it's at. But the the the change really comes from moving or maneuvering around the superannuation assets. So we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance.","start_word":165,"end_word":236,"intents":[{"intent":"Propose future actions","confidence_score":0.000030392615}]},{"text":"So we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance.","start_word":206,"end_word":236,"intents":[{"intent":"Suggest future collaboration","confidence_score":0.00048313357}]},{"text":"So one of the assets that you hold at the moment is a Benelong Australian Equities Fund. It's a little bit expensive, not crazy, but it's just a little bit of bit of an expensive managed portfolio, which means it is quite diverse within the Australian market. But it's what's called a high conviction fund.","start_word":237,"end_word":291,"intents":[{"intent":"Share fund details","confidence_score":0.0020395068},{"intent":"Discuss portfolio choices","confidence_score":0.0035176794}]},{"text":"Did you have a question about any of the assets that I'm recommending?","start_word":528,"end_word":540,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.019092685}]},{"text":"Is that because, you know, you've made a gain on your assets, so any investment gain has to be paid. So that'll Yeah.","start_word":632,"end_word":654,"intents":[{"intent":"Explain insurance strategy","confidence_score":0.0025761696}]},{"text":"But, otherwise, the the good thing is is that, historically, the new new fund that we're moving into or the new structure we're moving into has about a 2% or one and a half percent better performance rate and operates cheaper as well, which is nice.","start_word":666,"end_word":711,"intents":[{"intent":"Discuss fund benefits","confidence_score":0.0000066313573}]},{"text":"Yes.","start_word":712,"end_word":712,"intents":[{"intent":"Express appreciation","confidence_score":0.0001977494}]},{"text":"The investment investment fees are a couple $100 cheaper per annum. So you'll Yeah. save some fees on there as well. Good.","start_word":713,"end_word":734,"intents":[{"intent":"Explain investment fees and benefits","confidence_score":0.00033131236},{"intent":"Offer alternative investments","confidence_score":0.000004004715},{"intent":"Assert cost","confidence_score":3.4992726e-7}]},{"text":"It's just the underlying assets that we're we're maneuvering around.","start_word":749,"end_word":758,"intents":[{"intent":"Discuss underlying assets","confidence_score":0.034783095}]},{"text":"That's that's literally about it. And I know the document kind of goes on for a few pages.","start_word":879,"end_word":896,"intents":[{"intent":"Discuss document","confidence_score":0.028321328}]},{"text":"I guess the the probably, the the secondary part to that was as we discussed, making sure that we do get our beneficiary forms in place, which I got emailed out to you last week.","start_word":897,"end_word":931,"intents":[{"intent":"Request beneficiary forms","confidence_score":0.0013247362}]},{"text":"You have them, which is good. It's just a matter of printing them and sort of thinking about where you wanna go.","start_word":980,"end_word":1001,"intents":[{"intent":"Obtain","confidence_score":0.020730777}]},{"text":"Realistically, for yourself, it may be something that's beneficial to nominate your legal personal representative, Yeah.","start_word":1002,"end_word":1017,"intents":[{"intent":"Nominate","confidence_score":0.219788}]},{"text":"Realistically, for yourself, it may be something that's beneficial to nominate your legal personal representative, Yeah. which is your estate, and then look at getting a will in place to just try and protect your assets a little bit more because you, you know, have the kids split between two different families and making Yeah.","start_word":1002,"end_word":1056,"intents":[{"intent":"Make","confidence_score":6.7121124e-7},{"intent":"Share","confidence_score":0.22204189}]},{"text":"which is your estate, and then look at getting a will in place to just try and protect your assets a little bit more because you, you know, have the kids split between two different families and making Yeah. sure that, you know, we can try and protect the money going to the kids rather than wherever, you know, you may not want it to go. Yeah.","start_word":1018,"end_word":1084,"intents":[{"intent":"Protect","confidence_score":0.6826809}]},{"text":"So, yeah, if we get those ones back, that'll just cover everything there and just protect everything.","start_word":1085,"end_word":1101,"intents":[{"intent":"Maintain","confidence_score":0.023217844}]},{"text":"just means that she'll get the funds immediately, and, you know, it won't go to your children. But that's just up to you as to how you wanna distribute Yeah. it.","start_word":1119,"end_word":1149,"intents":[{"intent":"Obtain funds","confidence_score":0.006970336},{"intent":"Provide","confidence_score":0.10425196}]},{"text":"this just allows us to do that and to finally get the advice implemented for you as well.","start_word":1274,"end_word":1291,"intents":[{"intent":"Implement advice","confidence_score":0.14406}]},{"text":"I'll sit down and I'll place all the trades and get everything happening for you tonight, and I'll keep an eye over on it over the next few days to make sure that all the trades go through smoothly.","start_word":1367,"end_word":1405,"intents":[{"intent":"Place trades","confidence_score":0.26676574},{"intent":"Check trades","confidence_score":0.18570861}]},{"text":"Was there anything else that you wanted to talk about or any advice that you wanted to seek?","start_word":1481,"end_word":1498,"intents":[{"intent":"Provide advice","confidence_score":0.091622524}]},{"text":"Happy to have a chat, be a sounding board, or or help you out with that. Okay? Yeah.","start_word":1566,"end_word":1583,"intents":[{"intent":"Have conversation","confidence_score":0.00036921995}]}]},"sentiments":{"segments":[{"text":"Good morning. Good morning, Lucas. How are you going? Yeah. Pretty good. Yourself? Yeah. Good. Good. Thank you.","start_word":0,"end_word":17,"sentiment":"positive","sentiment_score":0.4953751564025879},{"text":"So I was obviously giving you a call to go through your SOA that we spoke about last week and just go through some of the changes and details that I've popped in. Yeah. I'm just waiting for it now.","start_word":18,"end_word":57,"sentiment":"neutral","sentiment_score":0.14577870070934296},{"text":"Cool.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.4465546011924744},{"text":"Yeah. I sent it to you just ahead of the meeting so that way I knew that it definitely came in. Yeah. So the the document kind of just, again, summarizes where things are at and where you were. Yeah. And then what what the changes are are really based around the superannuation investment. So nothing too strenuous or crazy going on there, but just a bit of an uplift to some of the assets that you currently hold, moving them into just slightly better performing assets, slightly cheaper assets as well to just give you a better uplift to your superannuation over the long term. As we spoke about, we're not gonna touch or or do anything with your with your insurance policy. That just stays and remains where it's at. But the the the change really comes from moving or maneuvering around the superannuation assets. So we're just gonna kind of get out of about five of those assets fully and swap them in for for five other assets that just have a slightly better performance. So one of the assets that you hold at the moment is a Benelong Australian Equities Fund. It's a little bit expensive, not crazy, but it's just a little bit of bit of an expensive managed portfolio, which means it is quite diverse within the Australian market. But it's what's called a high conviction fund. And Bennelong has just stood behind their product, and we've we've we've been kinda standing with them for a bit. But at the moment, they're just not pulling through with their returns or with making any changes because, realistically, the global economic market is changing, and we expect our fund managers to change with how the global economic market is. Then along to not, they're very high conviction, as I said, so we've just lost faith. So we wanna pull out of that that fund and move assets into, obviously, keeping within the Australian market, but just into into another asset that's gonna give you that that better performance over the long term, which is where we're moving into a beta shares Australian 200. Yep. So I'm it's looking just really right now. yeah.","start_word":59,"end_word":425,"sentiment":"neutral","sentiment_score":0.09677485068016546},{"text":"Cool.","start_word":426,"end_word":426,"sentiment":"positive","sentiment_score":0.5071362257003784},{"text":"It's just slight changes like that. Just, you know, sort of maneuvering out of sort of one asset that we just lost our faith in and maneuvering over to to another asset just to to get that better outcome for you. Nothing too too strenuous or crazy in terms of things. I'm not completely flipping your portfolio. I'm not, you know, moving you into, you know, high risk assets or, you know, going and and investing into into cryptocurrency or anything like that. Okay.","start_word":427,"end_word":510,"sentiment":"neutral","sentiment_score":0.026979340240359303},{"text":"Just really nice slight changes to to just get everything moving and and keeping on smooth.","start_word":511,"end_word":526,"sentiment":"positive","sentiment_score":0.6263945698738098},{"text":"Yep. Did you have a question about any of the assets that I'm recommending? A lot of them were recommended to you in the last SOA, but it was just a couple that I I did change around. I don't think so. Okay. No. That's okay.","start_word":527,"end_word":572,"sentiment":"neutral","sentiment_score":0.01791970245540142},{"text":"I Amazing. I thought that you guys would know a lot better than me about this.","start_word":573,"end_word":588,"sentiment":"positive","sentiment_score":0.39398616552352905},{"text":"No. That's fine. So there will be because I'm selling out of some of the assets, there will be a slight CGT or capital gains tax event that does occur. It's about $700 that that it'll all all settle in interfund Yeah. Is that because, you know, you've made a gain on your assets, so any investment gain has to be paid. So that'll Yeah. all settle within funds when we move over to the new assets.","start_word":589,"end_word":665,"sentiment":"neutral","sentiment_score":0.06862875683741136},{"text":"But, otherwise, the the good thing is is that, historically, the new new fund that we're moving into or the new structure we're moving into has about a 2% or one and a half percent better performance rate and operates cheaper as well, which is nice. Yes. The investment investment fees are a couple $100 cheaper per annum. So you'll Yeah. save some fees on there as well. Good.","start_word":666,"end_word":734,"sentiment":"positive","sentiment_score":0.5406714677810669},{"text":"Yeah. So, yeah, your your insurance stays the same. Your money stays within Hub. It's just the underlying assets that we're we're maneuvering around. I'm really sticking to the word maneuvering today, aren't I? Anyway, we're keeping you in a gross allocation. So it's still that sort of eighty twenty split. 80% invested heavily into the market, 20% little bit more conservative with conservative assets. So you fixed interest, your bond, stuff like that. Yeah. Still, obviously, making sure that we're in the market. We don't wanna have too much sitting in cash. Your super fund has to have a 1.25 cash balance. So just over a thousand dollars or $1,100, it'll Yep. fit in cash on the fund. But otherwise, the rest of it's fully invested. It's just that 20% in more defensive assets than aggressive, you know, growth seeking assets. Yeah. Cool. That's that's literally about it. And I know the document kind of goes on for a few pages. I guess the the probably, the the secondary part to that was as we discussed, making sure that we do get our beneficiary forms in place, which I got emailed out to you last week. Have you Yep. had a chance to think about and look at them? I have not looked at them at all. That's okay.","start_word":735,"end_word":954,"sentiment":"neutral","sentiment_score":0.12837253510951996},{"text":"That's okay.","start_word":955,"end_word":956,"sentiment":"positive","sentiment_score":0.4100387692451477},{"text":"I know I I I still know that it's a it's a bit of a big decision, and it's something to still consider.","start_word":957,"end_word":979,"sentiment":"neutral","sentiment_score":-0.03776169940829277},{"text":"You have them, which is good. It's just a matter of printing them and sort of thinking about where you wanna go.","start_word":980,"end_word":1001,"sentiment":"positive","sentiment_score":0.4084287881851196},{"text":"Realistically, for yourself, it may be something that's beneficial to nominate your legal personal representative, Yeah. which is your estate, and then look at getting a will in place to just try and protect your assets a little bit more because you, you know, have the kids split between two different families and making Yeah. sure that, you know, we can try and protect the money going to the kids rather than wherever, you know, you may not want it to go. Yeah. So, yeah, if we get those ones back, that'll just cover everything there and just protect everything. Obviously, if you wanna nominate your your current partner, you can definitely nominate her direct. It Yep. just means that she'll get the funds immediately, and, you know, it won't go to your children. But that's just up to you as to how you wanna distribute Yeah. it. Your Yeah. will obviously I'll allows I'll pick you up. to Thanks. have more control. Yeah.","start_word":1002,"end_word":1165,"sentiment":"neutral","sentiment_score":0.10132841020822524},{"text":"Cool. Amazing. That's that's pretty much the everything from me on that front. Yeah. It's it's a a a little bit of a nice straightforward one. Just kinda seeking those better returns, cheaper investment costs, and just trying to make sure that we can get everything sort of moving kosher on that front.","start_word":1166,"end_word":1218,"sentiment":"positive","sentiment_score":0.483357846736908},{"text":"Just give it a bit of an uplift. Other than that, in the documents that I sent you, I did include the adviser c form for hub twenty four so we can continue acting as your servicing adviser Yep. because it's been twelve months since we tried to get everything in place. So Yep.","start_word":1219,"end_word":1272,"sentiment":"neutral","sentiment_score":0.16307437419891355},{"text":"this just allows us to do that and to finally get the advice implemented for you as well. So that'll be good.","start_word":1273,"end_word":1294,"sentiment":"positive","sentiment_score":0.6477678418159485},{"text":"As soon as you sign this, I can get all the investments changed over. I usually sit down either first thing in the morning or last thing in the evening and do investment changes. So if you sign it today, I'll do it today. If you don't sign it till overnight, I will obviously I've already just do tried it it and as sent soon it. as I'll do it tonight then. I'll sit down and I'll place all the trades and get everything happening for you tonight, and I'll keep an eye over on it over the next few days to make sure that all the trades go through smoothly. Benelon will take a couple yeah. Right? Benelon takes a couple of weeks to sell, so I'll keep an eye on it for a couple of weeks, just making sure that everything trades through nicely. Yep. And then, yeah, once it's all in, we're we're good to go.","start_word":1295,"end_word":1453,"sentiment":"neutral","sentiment_score":0.20687773823738095},{"text":"I'll make sure that everything buys in correctly with your contributions and everything like that, and that everything's kinda tracking on smooth.","start_word":1454,"end_word":1475,"sentiment":"positive","sentiment_score":0.3376677930355072},{"text":"Okay? Yep.","start_word":1476,"end_word":1477,"sentiment":"neutral","sentiment_score":0.21107076108455655},{"text":"Sounds good. Amazing.","start_word":1478,"end_word":1480,"sentiment":"positive","sentiment_score":0.5973580479621887},{"text":"Was there anything else that you wanted to talk about or any advice that you wanted to seek?","start_word":1481,"end_word":1498,"sentiment":"neutral","sentiment_score":0.2142094373703003},{"text":"Now that I can get these investments updated for you, which I'm so excited for, is there anything else that that I can do?","start_word":1499,"end_word":1522,"sentiment":"positive","sentiment_score":0.3824862837791443},{"text":"No. That is fine. All good. Okay.","start_word":1523,"end_word":1529,"sentiment":"neutral","sentiment_score":0.188549280166626},{"text":"Perfect.","start_word":1530,"end_word":1530,"sentiment":"positive","sentiment_score":0.39393478631973267},{"text":"Well, if there is or, you know, when when you do, you know, get yourself ready to to, you know, buy the house or do anything that you're wanting to do, give me a call.","start_word":1531,"end_word":1565,"sentiment":"neutral","sentiment_score":0.24856893718242645},{"text":"Happy to have a chat, be a sounding board, or or help you out with that.","start_word":1566,"end_word":1581,"sentiment":"positive","sentiment_score":0.4027524888515472},{"text":"Okay? Yeah.","start_word":1582,"end_word":1583,"sentiment":"neutral","sentiment_score":0.22649410367012024},{"text":"Awesome. Amazing. Perfect. Well, thank you so much for, a, being receptive and and just getting it and getting it done. I love it. Thank you. No. No problem at all, Lucas.","start_word":1584,"end_word":1615,"sentiment":"positive","sentiment_score":0.6443069465458393},{"text":"If there is anything that I can do, please don't hesitate to give me a call.","start_word":1616,"end_word":1631,"sentiment":"neutral","sentiment_score":0.24325859546661377},{"text":"Always happy to to have a chat. Yeah. Easy. Perfect. You go on and have a great day. You too. Alright. Thank you. Bye.","start_word":1632,"end_word":1655,"sentiment":"positive","sentiment_score":0.6271096467971802},{"text":"Bye.","start_word":1656,"end_word":1656,"sentiment":"neutral","sentiment_score":0.21248309314250943}],"average":{"sentiment":"neutral","sentiment_score":0.19868516011113116}}}}