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I was just wondering if you still had a bit of time to go through that advice strategy that we had ready for you. Perfect. So before I jump into it, I will be emailing it out to you just so you can as well. Will you get a look onto the email with me, or should I give you a bit of a walk through instead? No worries. I'm gonna send it now, and then I'll just go through quick security check with you while that's coming through. There is about a dozen attachments, so sometimes it takes a minute. That's all. Now I'm registered with ASIC as adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have on file? Fantastic. I've got that there. Thank you so much for that. And are you okay for the call to be recorded? Perfect. So that should come through to you pretty quickly. I believe you have used our new digital system before. It should be your main inbox. If it's first time, it goes to spam, usually. Wait till the end. Make sure you're comfortable with the ideas first. So all of those attachments are pretty much service guides for overview product from the super fund and the insurers and the I double f as well. That's all just updated product information. If you hit that sign button, it'll bring open the statement of advice to look at with me. You should see that sort of Gold Coast beachfront city picture on there. Perfect. Now just as a bit of a heads up for this one, so I'm just gonna get you down to the scope of advice. But on that cover page, it does have my licensing details listed. Now you'd originally spoken to Kyle. Kyle escalated the file to myself, and I was just on paternity leave. So I had a few things that we we were kind of run by our investment committee to kind of figure out what was going on with all the legislation changes, you know, the capital gains, negative gearing, the war in Iran, inflation, reserve bank, all that kind of fun stuff. So there's a few things that we wanna kind of tweak a little bit, if that makes sense. Now if you swing through to that sort of third and fourth page, you'll see a scope of advice heading. Cool. So what we're really focusing on here is the superannuation review. You've got the I, double f, is built up. You've got the hub 24. We're just trying to make sure all of that is running the right performance, the right fees, and the right balances. That's the main crux of this price. We have kind of put some reminders in for estate planning as well. Mainly just for things like, you know, wills, powers of attorney, anything if you don't already have it in place. For a limited scope on the next page, we have factored in the insurance premiums and the impact it has on the super, but we're not giving insurance advice at this point. Obviously, due to health, we're sort of keeping the I double o insurances open, if that rings a bell. Cool. Next page, you've got what's not in this document, which is advice around cash flow, budgeting, debt management. Essentially, these are things that you're currently managing in terms of car debts and savings. But if at any point you need any further guidance or assistance from us, you just have to let us know. Cool. And property is also out of scope for this one as well. If you go past there, you'll see a red limited advice warning, which basically just says we're not covering everything under the sun. And if the info we have is incorrect, then that impacts the advice. Cool. I'll just get you have a quick look for me at the about you and assets and liability sections for me. Just make sure all of this is correct. We've got training adviser, 165 thousand, the Gmail mobile, two dependent. Yep. Congratulations. So just as a quick warning, the projections are based on the 165, but I will update the system. And is there a change to your occupation there in terms of the title from training adviser? Oh, fantastic. Hey. It's always helpful in this day and age. So senior and one seventy seven. And then on the next page, we've got a few sort of employee shares and the car as well. No other kind of assets or liabilities missing from there. I feel like that is a misspelling of Prado or potentially the type of car, a Sierra. Okay. So I'll get the correct brand thing and then Splice the two together. That's a metro. Oh, look. Okay. So I'll clarify that is a Pajero. Perfect. Perfect. Alright. With the Hub 24 I, double o, f, I've just included in there the type of platforms they are because Hub has a number of different funds, so does I, double o, f. So that way, you kind of know exactly which one you have. If you swing down past there, we've got the insurance policy, life TPD income protection. Perfect. And after that, you'll see we're not changing your risk profile. I believe you guys agreed to remain as a growth investor, kind of four out of five on the risk scale. Still primarily focused on long term growth, but not high risk. Cool. If you go down two more pages for me, you'll see a lovely big wall of text under strategy recommendations, blue heading. So the main crux of what we're looking at here is a bit of a top up rollover from IWF. We still need to keep 10,000 in there for the minimum couple of years worth of premiums, a little bit of a buffer just to make sure if the market crashes, there's no risk of the insurances lapsing. Cool. We do have a few updates to the investments as well. Basically, what we're trying to do is balance the asset allocation between the two funds, make sure it's still in line with the growth risk profile. Now if you swing down past there, you'll see an advantages and disadvantages table under an outcome setting. So the short of these two tables is in terms of pros, we found some lower fee investments with better performance. We're able to kind of update what's kind of going on around the world just in terms of Australian shares and international and what's going on with legislation changes. And the cons of the advice is if you have two super funds, you're still paying fees to keep the second account open, and that impacts your balance. We do have factored in a little bit of capital gains tax under the hood because whenever you change investments inside super, they kind of pay like an internal tax rate, and we can kind of have a bit of control over what we buy and sell. Now if you swing down past there, you'll see a table on page sort of sixteen, seventeen called fee comparison. Comparison. Cool. Now what to let you know here, so it's got sort of four main columns in the middle. You've got your hub and your I double f as they currently stand, the recommended balances once the rollovers are completed, and a difference column on the right hand side. Can you see that? Cool. So at the very right, we've got the $3.57. That's your capital gains tax from the investment switch. We've got $67, which is I double f is a little bit cheaper than Hub because it's a wrap platform, so it's a bit more expensive of an account. And then you've managed to kind of drop the investment fees almost in half. So there's a four $100 savings of investment fees with the new options that we've picked. Now just bear in mind as well, so because we are charging a percentage of the hub balance, so the adviser fees do go up as well because we're charging that kind of percentage on what we're managing, if that makes sense. Correct. We have a bit of a new structure that's in place as well. So everyone above 200,000, we're giving kind of tiered fee discounts from 2 to 500,000 now. And from 500,000 to a million, we're dropping a few more as well. So once we get through, we'll kind of organize updated consent forms for you and start to apply discounts as well. Cool. At the bottom there, so the main thing for you is growth risk profile aim for an average of around about 9% after fees as a benchmark. Some years, it's up fifteen twenty. Some years, it's down 15%. That's pretty common. Average it out over nine years. If you can get 9%, you're on track, if that makes sense. Cool. So we'll bump up the average there for the five year. If you swing over to the next page, you'll see a bit of an estimate. And I've just got to kind of explain how we've arrived at this estimate as well. Can you see the five and ten year projection table? Cool. So what we've done here is your contributions are going into I, double f, and we've just projected if we switch the investments inside hub and this one rollover, we're estimating about 50,000 more over the next ten years with a grain of salt, of course. Market goes up and down. This does not factor in any other future rollovers that we do. What that means is basically we're trying to be as conservative as possible because in case we can't get in contact with you to do any further changes, if we just did these changes and let it roll, this is kind of what we'd be looking at. Cool. Down below, we've got a full breakdown of performance. Basically, just showing you I double f as it currently is, hub as it currently is, and those two splice together, and then switching the hub investments and how it now splicing them back together again. Realistically, the main thing I wanna show you is just the very bottom right of that recommended table. I'm trying to get all of your returns to stay as double digit as we can above that percent. Cool. Any questions on that so far? Yeah. Yeah. It's one of those things too that because every five to seven years, there's a COVID, a GFC, a war that breaks out. That's why we kind of look back five years for our projections because it factors in some of these drop to give you a bit more of a realistic outcome. If you go to that next page, the last one I wanna show you, there's just two more tables left. The investments table. I do apologize. I've kind of put a rainbow coloring on this investments table with the the red, the blue, and the green, if you can see that there. Now a little bit different. So this is the investments that we wanna switch around, which ones we wanna buy, which ones we wanna sell, which ones we wanna keep. So what we're essentially doing is in that bottom half of the table, we've got those eight or nine options under hub. The red three, they are getting sold out and kind of removed. The blue ones are kind of being rebalanced where they should be five or 7%. We're just bringing them back the way they should be. And the two at the bottom, that's the new options that we've mixed in to replace the other ones, which is essentially low fee index funds to replace the Australian shares and the bank hybrids. Long and short of it, essentially, you've got some term deposits that the type of them are being phased out by the government. It has some good returns. We're essentially cashing in on it. And rather than waiting for it all to kind of blow up next year, we're just replaced it early. And that been a long option that was kind of underperforming, we're replacing it with one that's lower fees, better performance, and that kind of brings everything back on track. Cool. Last table is just your asset allocation pie chart on kind of 2021. You should be able to see that colorful pie chart there. Cool. So, again, pretty well diversified, to be honest. We've got a good split between all the different asset classes. The main thing I need to point out is that very middle row where it has growth total in gray, you should be able to see how it kinda goes 80%, 84, 86. That's basically your risk profile. You need 80 to 90% growth assets or to be a growth investor. So that's shares, property, and gold. You're sitting at 84. Once we move funds from I, double f, into hub, you'll be sitting at 86. So pretty much smack bang in the middle. Cool. Again, it's not high risk. We're not putting it to 95, a 100%, and we are not borrowing money on your super and getting you above a 100%. Cool. That's pretty much it. Everything for the rest of this document is a reminder on why you should have a will power of attorney in place. Some disclaimers at the back that we do have a sixty day expiry for the documents. If you wanna, you know, if you do sign off on this and you wanna revert it, there's a fourteen day cooling off period, and then we've got our fees relisted at the bottom of the document too. From here, basically, if you're happy with it, once you sign, we will jump online over Friday, do the investment trades and Great question. So everything that we do, investments, budgeting, debt management, insurance, everything gets factored into those fees. And no matter how many times we do offer new strategy or plan, unless you're doing something really big, there's no further charges. The only thing that we can't do is we're not lawyers, so we can't set up a will. So the fees for setting up a will would be, you know, post office is $25 for Australia post approved will. And if you go to a solicitor, it could be how long's a piece of string, somewhere between 2 100 and 2,000, if you know what I mean. Cool. We do have, I think, some lawyers that we know that do some, like, online wills, slightly discounted, I can always send their brochures through to you. If you do just wanna put something simple in place, like I said, Australia Post has government approval kits for $25 a pop and also for the power of attorney as well for, you know, if you're in hospital or something. Cool. Now when you get to that last page on kind of 32, 33, there is kind of three boxes. You'll see a signature box and a date box. That's pretty much all we need. The one above it is just if you wanna vary the recommendations and change what we put in place. Done. Just a heads up, there's kind of automated weekly reminders for the email just so it pops to the top of top of your inbox. Is there anything else you can think of that I can help you with over the next couple of weeks, couple of months? That is not the easiest question to answer, but I do have some information. I'm just pulling up your your hub account because this gives me a bit of, like, a since you started track record here. So you know how I said that you wanna kind of aim for that percent average? We've hit 41 over let's call it three and a half years. So we go 41, part of it, the old 3.5. So we've just cleared just under 12% after fees for random for the last three years, so above the benchmark, which is great. Yeah. And this will will track it better too because it was a little bit flat this year with the double market crash in March and then last month and couple of those options that we wanna switch out to. So the next time that you see the stock market goes up, you should start to see it kind of soar back up 170, 180 pretty quickly. Unfortunately, if the world explodes and we go through a recession, you'll see it tumble down to $1.35 and then back up to 200 a couple of years later. That's kind of the roller coaster of being in growth. That's right. I mean, that's a good way to put it is if you have 10 properties and they go down in value, is that a a reason to rush up and sell them for a loss and crystallize it? Or do you go, oh, I'll pick up another one for a cheaper price. Now I've got 11. And then when the market goes up, all 11 properties all go up together. It's kind of like each one's a brick, if that makes sense. Yeah. So there's a couple of things to track. So you've got the all ordinaries, which you're you're beating that. That's at 35 over three years instead of 41. The ASX, we can have a little look at that one too. See how that's look for three years. We get 2023 and May. That's only up 21% for three and a half years, so quite a bit below. The main thing that we compare to as well is to all the other super funds. We need to make sure that if you're gonna pay an adviser fee, that we're trying to get you something that consistently gets you above what everyone else is doing to justify the cost. It's not always going to be in a three month period, the top one, if that makes sense. But, basically, if we can get you an extra 2% per annum for ten, twenty years, that'll compound to an extra few 100,000 in retirement. That's the end of the game. Yeah. I just had my third little little girl there for the two boys, and I'm suddenly just gotten back. Oh, Hamish, that's amazing. So I just got a bit of a present from the company today, a little little onesie for the baby with a brand new branding on it. So I'm gonna do a photo shoot now. It'll be up on the Facebook. But, no, the the boys absolutely love her. She's just smiling nonstop. They won't stop trying to make her laugh, and, obviously, that's getting us now because they won't stop kissing her face. And, you know, I've got a seven and a three year old, so they're always constantly, let me pick her up. Let me pick her up. And yeah. Alright. Thank you very much, and congratulations to you guys as well. That's okay. From now so I'll pretty much be looking after you as your your main point of contact, but you've obviously got Dana, Larissa, Jenna, all the other advisers here as well. Main question I have for you, though, was we've got the next annual review scheduled in. Do you want me to pencil in anything before the next review? What's your, like, contact preference? Yeah. Okay. If anything else does pop up in your life and and you want some help, just give us a call. It's just that easy, and we'll schedule in. And whether it's email or or phone, we'll we'll do our best. Awesome, mate. I'll just send you the usual kind of feedback tech. Anything would be appreciated, and we'll get all this implemented as soon as we get it back signed. Easy done, Hamish. Have a fantastic week, and congrats again. Thank you. 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afternoon, Hamish. It's Tommy here from Oakview, mate. How are you doing? Hey. It's been a beautiful day on the Gold Coast.\n\nWhat about your rent? You guys. I was just wondering if you still had a bit of time to go through that advice strategy that we had ready for you. Perfect. So before I jump into it, I will be emailing it out to you just so you can as well.\n\nWill you get a look onto the email with me, or should I give you a bit of a walk through instead? No worries. I'm gonna send it now, and then I'll just go through quick security check with you while that's coming through. There is about a dozen attachments, so sometimes it takes a minute. That's all.\n\nNow I'm registered with ASIC as adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have on file? Fantastic. I've got that there. Thank you so much for that.\n\nAnd are you okay for the call to be recorded? Perfect. So that should come through to you pretty quickly. I believe you have used our new digital system before. It should be your main inbox.\n\nIf it's first time, it goes to spam, usually. Wait till the end. Make sure you're comfortable with the ideas first. So all of those attachments are pretty much service guides for overview product from the super fund and the insurers and the I double f as well. That's all just updated product information.\n\nIf you hit that sign button, it'll bring open the statement of advice to look at with me. You should see that sort of Gold Coast beachfront city picture on there. Perfect. Now just as a bit of a heads up for this one, so I'm just gonna get you down to the scope of advice. But on that cover page, it does have my licensing details listed.\n\nNow you'd originally spoken to Kyle. Kyle escalated the file to myself, and I was just on paternity leave. So I had a few things that we we were kind of run by our investment committee to kind of figure out what was going on with all the legislation changes, you know, the capital gains, negative gearing, the war in Iran, inflation, reserve bank, all that kind of fun stuff. So there's a few things that we wanna kind of tweak a little bit, if that makes sense. Now if you swing through to that sort of third and fourth page, you'll see a scope of advice heading.\n\nCool. So what we're really focusing on here is the superannuation review. You've got the I, double f, is built up. You've got the hub 24. We're just trying to make sure all of that is running the right performance, the right fees, and the right balances.\n\nThat's the main crux of this price. We have kind of put some reminders in for estate planning as well. Mainly just for things like, you know, wills, powers of attorney, anything if you don't already have it in place. For a limited scope on the next page, we have factored in the insurance premiums and the impact it has on the super, but we're not giving insurance advice at this point. Obviously, due to health, we're sort of keeping the I double o insurances open, if that rings a bell.\n\nCool. Next page, you've got what's not in this document, which is advice around cash flow, budgeting, debt management. Essentially, these are things that you're currently managing in terms of car debts and savings. But if at any point you need any further guidance or assistance from us, you just have to let us know. Cool.\n\nAnd property is also out of scope for this one as well. If you go past there, you'll see a red limited advice warning, which basically just says we're not covering everything under the sun. And if the info we have is incorrect, then that impacts the advice. Cool. I'll just get you have a quick look for me at the about you and assets and liability sections for me.\n\nJust make sure all of this is correct. We've got training adviser, 165 thousand, the Gmail mobile, two dependent. Yep. Congratulations. So just as a quick warning, the projections are based on the 165, but I will update the system.\n\nAnd is there a change to your occupation there in terms of the title from training adviser? Oh, fantastic. Hey. It's always helpful in this day and age. So senior and one seventy seven.\n\nAnd then on the next page, we've got a few sort of employee shares and the car as well. No other kind of assets or liabilities missing from there. I feel like that is a misspelling of Prado or potentially the type of car, a Sierra. Okay. So I'll get the correct brand thing and then Splice the two together.\n\nThat's a metro. Oh, look. Okay. So I'll clarify that is a Pajero. Perfect.\n\nPerfect. Alright. With the Hub 24 I, double o, f, I've just included in there the type of platforms they are because Hub has a number of different funds, so does I, double o, f. So that way, you kind of know exactly which one you have. If you swing down past there, we've got the insurance policy, life TPD income protection.\n\nPerfect. And after that, you'll see we're not changing your risk profile. I believe you guys agreed to remain as a growth investor, kind of four out of five on the risk scale. Still primarily focused on long term growth, but not high risk. Cool.\n\nIf you go down two more pages for me, you'll see a lovely big wall of text under strategy recommendations, blue heading. So the main crux of what we're looking at here is a bit of a top up rollover from IWF. We still need to keep 10,000 in there for the minimum couple of years worth of premiums, a little bit of a buffer just to make sure if the market crashes, there's no risk of the insurances lapsing. Cool. We do have a few updates to the investments as well.\n\nBasically, what we're trying to do is balance the asset allocation between the two funds, make sure it's still in line with the growth risk profile. Now if you swing down past there, you'll see an advantages and disadvantages table under an outcome setting. So the short of these two tables is in terms of pros, we found some lower fee investments with better performance. We're able to kind of update what's kind of going on around the world just in terms of Australian shares and international and what's going on with legislation changes. And the cons of the advice is if you have two super funds, you're still paying fees to keep the second account open, and that impacts your balance.\n\nWe do have factored in a little bit of capital gains tax under the hood because whenever you change investments inside super, they kind of pay like an internal tax rate, and we can kind of have a bit of control over what we buy and sell. Now if you swing down past there, you'll see a table on page sort of sixteen, seventeen called fee comparison. Comparison. Cool. Now what to let you know here, so it's got sort of four main columns in the middle.\n\nYou've got your hub and your I double f as they currently stand, the recommended balances once the rollovers are completed, and a difference column on the right hand side. Can you see that? Cool. So at the very right, we've got the $3.57. That's your capital gains tax from the investment switch.\n\nWe've got $67, which is I double f is a little bit cheaper than Hub because it's a wrap platform, so it's a bit more expensive of an account. And then you've managed to kind of drop the investment fees almost in half. So there's a four $100 savings of investment fees with the new options that we've picked. Now just bear in mind as well, so because we are charging a percentage of the hub balance, so the adviser fees do go up as well because we're charging that kind of percentage on what we're managing, if that makes sense. Correct.\n\nWe have a bit of a new structure that's in place as well. So everyone above 200,000, we're giving kind of tiered fee discounts from 2 to 500,000 now. And from 500,000 to a million, we're dropping a few more as well. So once we get through, we'll kind of organize updated consent forms for you and start to apply discounts as well. Cool.\n\nAt the bottom there, so the main thing for you is growth risk profile aim for an average of around about 9% after fees as a benchmark. Some years, it's up fifteen twenty. Some years, it's down 15%. That's pretty common. Average it out over nine years.\n\nIf you can get 9%, you're on track, if that makes sense. Cool. So we'll bump up the average there for the five year. If you swing over to the next page, you'll see a bit of an estimate. And I've just got to kind of explain how we've arrived at this estimate as well.\n\nCan you see the five and ten year projection table? Cool. So what we've done here is your contributions are going into I, double f, and we've just projected if we switch the investments inside hub and this one rollover, we're estimating about 50,000 more over the next ten years with a grain of salt, of course. Market goes up and down. This does not factor in any other future rollovers that we do.\n\nWhat that means is basically we're trying to be as conservative as possible because in case we can't get in contact with you to do any further changes, if we just did these changes and let it roll, this is kind of what we'd be looking at. Cool. Down below, we've got a full breakdown of performance. Basically, just showing you I double f as it currently is, hub as it currently is, and those two splice together, and then switching the hub investments and how it now splicing them back together again. Realistically, the main thing I wanna show you is just the very bottom right of that recommended table.\n\nI'm trying to get all of your returns to stay as double digit as we can above that percent. Cool. Any questions on that so far? Yeah. Yeah.\n\nIt's one of those things too that because every five to seven years, there's a COVID, a GFC, a war that breaks out. That's why we kind of look back five years for our projections because it factors in some of these drop to give you a bit more of a realistic outcome. If you go to that next page, the last one I wanna show you, there's just two more tables left. The investments table. I do apologize.\n\nI've kind of put a rainbow coloring on this investments table with the the red, the blue, and the green, if you can see that there. Now a little bit different. So this is the investments that we wanna switch around, which ones we wanna buy, which ones we wanna sell, which ones we wanna keep. So what we're essentially doing is in that bottom half of the table, we've got those eight or nine options under hub. The red three, they are getting sold out and kind of removed.\n\nThe blue ones are kind of being rebalanced where they should be five or 7%. We're just bringing them back the way they should be. And the two at the bottom, that's the new options that we've mixed in to replace the other ones, which is essentially low fee index funds to replace the Australian shares and the bank hybrids. Long and short of it, essentially, you've got some term deposits that the type of them are being phased out by the government. It has some good returns.\n\nWe're essentially cashing in on it. And rather than waiting for it all to kind of blow up next year, we're just replaced it early. And that been a long option that was kind of underperforming, we're replacing it with one that's lower fees, better performance, and that kind of brings everything back on track. Cool. Last table is just your asset allocation pie chart on kind of 2021.\n\nYou should be able to see that colorful pie chart there. Cool. So, again, pretty well diversified, to be honest. We've got a good split between all the different asset classes. The main thing I need to point out is that very middle row where it has growth total in gray, you should be able to see how it kinda goes 80%, 84, 86.\n\nThat's basically your risk profile. You need 80 to 90% growth assets or to be a growth investor. So that's shares, property, and gold. You're sitting at 84. Once we move funds from I, double f, into hub, you'll be sitting at 86.\n\nSo pretty much smack bang in the middle. Cool. Again, it's not high risk. We're not putting it to 95, a 100%, and we are not borrowing money on your super and getting you above a 100%. Cool.\n\nThat's pretty much it. Everything for the rest of this document is a reminder on why you should have a will power of attorney in place. Some disclaimers at the back that we do have a sixty day expiry for the documents. If you wanna, you know, if you do sign off on this and you wanna revert it, there's a fourteen day cooling off period, and then we've got our fees relisted at the bottom of the document too. From here, basically, if you're happy with it, once you sign, we will jump online over Friday, do the investment trades and Great question.\n\nSo everything that we do, investments, budgeting, debt management, insurance, everything gets factored into those fees. And no matter how many times we do offer new strategy or plan, unless you're doing something really big, there's no further charges. The only thing that we can't do is we're not lawyers, so we can't set up a will. So the fees for setting up a will would be, you know, post office is $25 for Australia post approved will. And if you go to a solicitor, it could be how long's a piece of string, somewhere between 2 100 and 2,000, if you know what I mean.\n\nCool. We do have, I think, some lawyers that we know that do some, like, online wills, slightly discounted, I can always send their brochures through to you. If you do just wanna put something simple in place, like I said, Australia Post has government approval kits for $25 a pop and also for the power of attorney as well for, you know, if you're in hospital or something. Cool. Now when you get to that last page on kind of 32, 33, there is kind of three boxes.\n\nYou'll see a signature box and a date box. That's pretty much all we need. The one above it is just if you wanna vary the recommendations and change what we put in place. Done. Just a heads up, there's kind of automated weekly reminders for the email just so it pops to the top of top of your inbox.\n\nIs there anything else you can think of that I can help you with over the next couple of weeks, couple of months? That is not the easiest question to answer, but I do have some information. I'm just pulling up your your hub account because this gives me a bit of, like, a since you started track record here. So you know how I said that you wanna kind of aim for that percent average? We've hit 41 over let's call it three and a half years.\n\nSo we go 41, part of it, the old 3.5. So we've just cleared just under 12% after fees for random for the last three years, so above the benchmark, which is great. Yeah. And this will will track it better too because it was a little bit flat this year with the double market crash in March and then last month and couple of those options that we wanna switch out to. So the next time that you see the stock market goes up, you should start to see it kind of soar back up 170, 180 pretty quickly.\n\nUnfortunately, if the world explodes and we go through a recession, you'll see it tumble down to $1.35 and then back up to 200 a couple of years later. That's kind of the roller coaster of being in growth. That's right. I mean, that's a good way to put it is if you have 10 properties and they go down in value, is that a a reason to rush up and sell them for a loss and crystallize it? Or do you go, oh, I'll pick up another one for a cheaper price.\n\nNow I've got 11. And then when the market goes up, all 11 properties all go up together. It's kind of like each one's a brick, if that makes sense. Yeah. So there's a couple of things to track.\n\nSo you've got the all ordinaries, which you're you're beating that. That's at 35 over three years instead of 41. The ASX, we can have a little look at that one too. See how that's look for three years. We get 2023 and May.\n\nThat's only up 21% for three and a half years, so quite a bit below. The main thing that we compare to as well is to all the other super funds. We need to make sure that if you're gonna pay an adviser fee, that we're trying to get you something that consistently gets you above what everyone else is doing to justify the cost. It's not always going to be in a three month period, the top one, if that makes sense. But, basically, if we can get you an extra 2% per annum for ten, twenty years, that'll compound to an extra few 100,000 in retirement.\n\nThat's the end of the game. Yeah. I just had my third little little girl there for the two boys, and I'm suddenly just gotten back. Oh, Hamish, that's amazing. So I just got a bit of a present from the company today, a little little onesie for the baby with a brand new branding on it.\n\nSo I'm gonna do a photo shoot now. It'll be up on the Facebook. But, no, the the boys absolutely love her. She's just smiling nonstop. They won't stop trying to make her laugh, and, obviously, that's getting us now because they won't stop kissing her face.\n\nAnd, you know, I've got a seven and a three year old, so they're always constantly, let me pick her up. Let me pick her up. And yeah. Alright. Thank you very much, and congratulations to you guys as well.\n\nThat's okay. From now so I'll pretty much be looking after you as your your main point of contact, but you've obviously got Dana, Larissa, Jenna, all the other advisers here as well. Main question I have for you, though, was we've got the next annual review scheduled in. Do you want me to pencil in anything before the next review? What's your, like, contact preference?\n\nYeah. Okay. If anything else does pop up in your life and and you want some help, just give us a call. It's just that easy, and we'll schedule in. And whether it's email or or phone, we'll we'll do our best.\n\nAwesome, mate. I'll just send you the usual kind of feedback tech. Anything would be appreciated, and we'll get all this implemented as soon as we get it back signed. Easy done, Hamish. Have a fantastic week, and congrats again.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Hamish.","start":2.48,"end":3.6799998,"sentiment":"positive","sentiment_score":0.3449876507123311},{"text":"It's Tommy here from Oakview, mate.","start":3.6799998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2361127957701683},{"text":"How are you doing?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.24491949379444122},{"text":"Hey.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.16156411170959473},{"text":"It's been a beautiful day on the Gold Coast.","start":8.559999,"end":10.32,"sentiment":"positive","sentiment_score":0.4525773856374953}],"sentiment":"positive","sentiment_score":0.3333077514949052,"num_words":23,"start":2.48,"end":10.32},{"sentences":[{"text":"What about your rent?","start":10.32,"end":11.46,"sentiment":"neutral","sentiment_score":0.05610408168286085},{"text":"You guys.","start":23.135,"end":23.795,"sentiment":"neutral","sentiment_score":-0.005376989953219891},{"text":"I was just wondering if you still had a bit of time to go through that advice strategy that we had ready for you.","start":24.19,"end":29.490002,"sentiment":"neutral","sentiment_score":0.02055855297173063},{"text":"Perfect.","start":31.630001,"end":32.11,"sentiment":"positive","sentiment_score":0.4907110333442688},{"text":"So before I jump into it, I will be emailing it out to you just so you can as well.","start":32.11,"end":38.115,"sentiment":"neutral","sentiment_score":0.15822462402284146}],"sentiment":"neutral","sentiment_score":0.08553472807740464,"num_words":51,"start":10.32,"end":38.115},{"sentences":[{"text":"Will you get a look onto the email with me, or should I give you a bit of a walk through instead?","start":38.195004,"end":42.135002,"sentiment":"neutral","sentiment_score":0.056795005686581135},{"text":"No worries.","start":48.835,"end":49.395,"sentiment":"neutral","sentiment_score":0.14364846795797348},{"text":"I'm gonna send it now, and then I'll just go through quick security check with you while that's coming through.","start":49.395,"end":55.02,"sentiment":"neutral","sentiment_score":0.11420358568429947},{"text":"There is about a dozen attachments, so sometimes it takes a minute.","start":55.16,"end":58.120003,"sentiment":"neutral","sentiment_score":0.021041708804356556},{"text":"That's all.","start":58.120003,"end":58.940002,"sentiment":"neutral","sentiment_score":0.05087678320705891}],"sentiment":"neutral","sentiment_score":0.07198470425470893,"num_words":58,"start":38.195004,"end":58.940002},{"sentences":[{"text":"Now I'm registered with ASIC as adviser one two seven three one zero five.","start":60.52,"end":65.24,"sentiment":"neutral","sentiment_score":0.05975437084478991},{"text":"Could I please confirm your date of birth and address that we would have on file?","start":65.24,"end":69.795,"sentiment":"neutral","sentiment_score":0.04958023666404188},{"text":"Fantastic.","start":81.130005,"end":81.630005,"sentiment":"positive","sentiment_score":0.6061223149299622},{"text":"I've got that there.","start":81.770004,"end":82.57,"sentiment":"positive","sentiment_score":0.4892828091979027},{"text":"Thank you so much for that.","start":82.57,"end":83.950005,"sentiment":"positive","sentiment_score":0.5927880108356476}],"sentiment":"neutral","sentiment_score":0.18902016085822407,"num_words":41,"start":60.52,"end":83.950005},{"sentences":[{"text":"And are you okay for the call to be recorded?","start":84.490005,"end":86.51,"sentiment":"neutral","sentiment_score":0.10530487149953842},{"text":"Perfect.","start":88.57,"end":88.97,"sentiment":"positive","sentiment_score":0.3962627053260803},{"text":"So that should come through to you pretty quickly.","start":88.97,"end":91.07001,"sentiment":"positive","sentiment_score":0.3383355140686035},{"text":"I believe you have used our new digital system before.","start":91.53001,"end":95.29,"sentiment":"neutral","sentiment_score":0.04677283838391304},{"text":"It should be your main inbox.","start":95.29,"end":96.675,"sentiment":"neutral","sentiment_score":0.11037790961563587}],"sentiment":"neutral","sentiment_score":0.15623130245755115,"num_words":36,"start":84.490005,"end":96.675},{"sentences":[{"text":"If it's first time, it goes to spam, usually.","start":97.715004,"end":100.055,"sentiment":"neutral","sentiment_score":-0.18672763307889303},{"text":"Wait till the end.","start":116.229996,"end":117.03,"sentiment":"neutral","sentiment_score":0.002750231884419918},{"text":"Make sure you're comfortable with the ideas first.","start":117.03,"end":118.95,"sentiment":"neutral","sentiment_score":0.2203266192227602},{"text":"So all of those attachments are pretty much service guides for overview product from the super fund and the insurers and the I double f as well.","start":118.95,"end":128.705,"sentiment":"neutral","sentiment_score":0.18909895696021892},{"text":"That's all just updated product information.","start":128.705,"end":131.045,"sentiment":"neutral","sentiment_score":0.19286823521057764}],"sentiment":"neutral","sentiment_score":0.11770271171850187,"num_words":54,"start":97.715004,"end":131.045},{"sentences":[{"text":"If you hit that sign button, it'll bring open the statement of advice to look at with me.","start":131.665,"end":136.965,"sentiment":"neutral","sentiment_score":0.1305719767179754},{"text":"You should see that sort of Gold Coast beachfront city picture on there.","start":139.04,"end":143.06,"sentiment":"neutral","sentiment_score":0.17434307245107797},{"text":"Perfect.","start":146.64,"end":147.12,"sentiment":"positive","sentiment_score":0.676917552947998},{"text":"Now just as a bit of a heads up for this one, so I'm just gonna get you down to the scope of advice.","start":147.12,"end":152.015,"sentiment":"neutral","sentiment_score":0.15492257786293825},{"text":"But on that cover page, it does have my licensing details listed.","start":152.015,"end":155.955,"sentiment":"neutral","sentiment_score":0.07504243745158116}],"sentiment":"neutral","sentiment_score":0.14576947343919208,"num_words":68,"start":131.665,"end":155.955},{"sentences":[{"text":"Now you'd originally spoken to Kyle.","start":156.25499,"end":159.155,"sentiment":"neutral","sentiment_score":0.002674089279025793},{"text":"Kyle escalated the file to myself, and I was just on paternity leave.","start":160.015,"end":164.25499,"sentiment":"neutral","sentiment_score":-0.112314600784045},{"text":"So I had a few things that we we were kind of run by our investment committee to kind of figure out what was going on with all the legislation changes, you know, the capital gains, negative gearing, the war in Iran, inflation, reserve bank, all that kind of fun stuff.","start":164.25499,"end":180.705,"sentiment":"neutral","sentiment_score":-0.0552974532486177},{"text":"So there's a few things that we wanna kind of tweak a little bit, if that makes sense.","start":180.945,"end":185.605,"sentiment":"neutral","sentiment_score":0.01169663088189231},{"text":"Now if you swing through to that sort of third and fourth page, you'll see a scope of advice heading.","start":187.425,"end":192.725,"sentiment":"neutral","sentiment_score":0.09071425311267375}],"sentiment":"neutral","sentiment_score":-0.020735101593244407,"num_words":108,"start":156.25499,"end":192.725},{"sentences":[{"text":"Cool.","start":195.345,"end":195.66,"sentiment":"neutral","sentiment_score":0.32010358572006226},{"text":"So what we're really focusing on here is the superannuation review.","start":195.66,"end":199.5,"sentiment":"neutral","sentiment_score":0.1796056885610927},{"text":"You've got the I, double f, is built up.","start":199.5,"end":201.26001,"sentiment":"neutral","sentiment_score":0.14006223695145714},{"text":"You've got the hub 24.","start":201.26001,"end":202.62001,"sentiment":"neutral","sentiment_score":0.14773456752300262},{"text":"We're just trying to make sure all of that is running the right performance, the right fees, and the right balances.","start":202.62001,"end":208.0,"sentiment":"neutral","sentiment_score":0.24370577150867098}],"sentiment":"neutral","sentiment_score":0.20027277301600638,"num_words":47,"start":195.345,"end":208.0},{"sentences":[{"text":"That's the main crux of this price.","start":208.7,"end":211.095,"sentiment":"neutral","sentiment_score":0.19297498677458083},{"text":"We have kind of put some reminders in for estate planning as well.","start":212.05501,"end":216.235,"sentiment":"neutral","sentiment_score":0.16340466072926155},{"text":"Mainly just for things like, you know, wills, powers of attorney, anything if you don't already have it in place.","start":218.215,"end":223.115,"sentiment":"neutral","sentiment_score":0.1029528420418501},{"text":"For a limited scope on the next page, we have factored in the insurance premiums and the impact it has on the super, but we're not giving insurance advice at this point.","start":226.09999,"end":236.68,"sentiment":"neutral","sentiment_score":-0.15577109635341913},{"text":"Obviously, due to health, we're sort of keeping the I double o insurances open, if that rings a bell.","start":237.06,"end":242.435,"sentiment":"neutral","sentiment_score":-0.11665507464816696}],"sentiment":"neutral","sentiment_score":-0.018318452350385896,"num_words":91,"start":208.7,"end":242.435},{"sentences":[{"text":"Cool.","start":243.455,"end":243.955,"sentiment":"neutral","sentiment_score":0.2724117636680603},{"text":"Next page, you've got what's not in this document, which is advice around cash flow, budgeting, debt management.","start":244.575,"end":251.555,"sentiment":"neutral","sentiment_score":0.022529817910657987},{"text":"Essentially, these are things that you're currently managing in terms of car debts and savings.","start":252.415,"end":256.97,"sentiment":"neutral","sentiment_score":-0.005234252040584882},{"text":"But if at any point you need any further guidance or assistance from us, you just have to let us know.","start":257.67,"end":263.13,"sentiment":"neutral","sentiment_score":-0.0144111125596932},{"text":"Cool.","start":264.79,"end":265.29,"sentiment":"neutral","sentiment_score":0.08324543386697769}],"sentiment":"neutral","sentiment_score":0.006786549563652703,"num_words":56,"start":243.455,"end":265.29},{"sentences":[{"text":"And property is also out of scope for this one as well.","start":265.67,"end":268.73,"sentiment":"neutral","sentiment_score":-0.0629025767557323},{"text":"If you go past there, you'll see a red limited advice warning, which basically just says we're not covering everything under the sun.","start":269.055,"end":277.295,"sentiment":"neutral","sentiment_score":-0.11075143710426662},{"text":"And if the info we have is incorrect, then that impacts the advice.","start":277.295,"end":280.92,"sentiment":"neutral","sentiment_score":-0.17916670441627502},{"text":"Cool.","start":282.84003,"end":283.34003,"sentiment":"neutral","sentiment_score":0.16386640071868896},{"text":"I'll just get you have a quick look for me at the about you and assets and liability sections for me.","start":283.48,"end":290.04,"sentiment":"neutral","sentiment_score":0.12898322975351698}],"sentiment":"neutral","sentiment_score":-0.03941095580479929,"num_words":70,"start":265.67,"end":290.04},{"sentences":[{"text":"Just make sure all of this is correct.","start":290.04,"end":292.30002,"sentiment":"neutral","sentiment_score":0.07840388175100088},{"text":"We've got training adviser, 165 thousand, the Gmail mobile, two dependent.","start":293.48,"end":300.895,"sentiment":"neutral","sentiment_score":0.06909065354954112},{"text":"Yep.","start":304.395,"end":304.895,"sentiment":"neutral","sentiment_score":0.2946808636188507},{"text":"Congratulations.","start":309.61002,"end":310.11002,"sentiment":"positive","sentiment_score":0.44730162620544434},{"text":"So just as a quick warning, the projections are based on the 165, but I will update the system.","start":310.81,"end":318.59003,"sentiment":"neutral","sentiment_score":0.04669601759432178}],"sentiment":"neutral","sentiment_score":0.07541087667923421,"num_words":40,"start":290.04,"end":318.59003},{"sentences":[{"text":"And is there a change to your occupation there in terms of the title from training adviser?","start":318.65002,"end":323.47,"sentiment":"neutral","sentiment_score":0.015105676453779726},{"text":"Oh, fantastic.","start":325.05002,"end":331.815,"sentiment":"neutral","sentiment_score":0.30372580885887146},{"text":"Hey.","start":332.35498,"end":332.595,"sentiment":"neutral","sentiment_score":0.23855869472026825},{"text":"It's always helpful in this day and age.","start":332.595,"end":334.53497,"sentiment":"neutral","sentiment_score":0.30645365081727505},{"text":"So senior and one seventy seven.","start":336.675,"end":340.13,"sentiment":"neutral","sentiment_score":0.09379256144165993}],"sentiment":"neutral","sentiment_score":0.12109386433354195,"num_words":34,"start":318.65002,"end":340.13},{"sentences":[{"text":"And then on the next page, we've got a few sort of employee shares and the car as well.","start":340.51,"end":348.99002,"sentiment":"neutral","sentiment_score":0.04973958981664557},{"text":"No other kind of assets or liabilities missing from there.","start":348.99002,"end":352.295,"sentiment":"neutral","sentiment_score":-0.23275538980960847},{"text":"I feel like that is a misspelling of Prado or potentially the type of car, a Sierra.","start":356.83502,"end":364.85,"sentiment":"neutral","sentiment_score":-0.1633230456534554},{"text":"Okay.","start":370.03,"end":370.53,"sentiment":"neutral","sentiment_score":-0.04517835006117821},{"text":"So I'll get the correct brand thing and then Splice the two together.","start":370.75,"end":377.735,"sentiment":"neutral","sentiment_score":-0.05737699725880073}],"sentiment":"neutral","sentiment_score":-0.0825012130352358,"num_words":60,"start":340.51,"end":377.735},{"sentences":[{"text":"That's a metro.","start":378.115,"end":379.01498,"sentiment":"neutral","sentiment_score":-0.018201916789015133},{"text":"Oh, look.","start":382.035,"end":382.675,"sentiment":"neutral","sentiment_score":-0.006882614456117153},{"text":"Okay.","start":382.675,"end":383.175,"sentiment":"neutral","sentiment_score":-0.0009194472804665564},{"text":"So I'll clarify that is a Pajero.","start":383.235,"end":385.975,"sentiment":"neutral","sentiment_score":-0.0020366027518840773},{"text":"Perfect.","start":387.955,"end":388.435,"sentiment":"positive","sentiment_score":0.5342886447906494}],"sentiment":"neutral","sentiment_score":0.03219585706912247,"num_words":14,"start":378.115,"end":388.435},{"sentences":[{"text":"Perfect.","start":388.435,"end":388.935,"sentiment":"positive","sentiment_score":0.4945794939994812},{"text":"Alright.","start":389.25,"end":389.75,"sentiment":"neutral","sentiment_score":0.1942451447248459},{"text":"With the Hub 24 I, double o, f, I've just included in there the type of platforms they are because Hub has a number of different funds, so does I, double o, f.","start":390.29,"end":400.85,"sentiment":"neutral","sentiment_score":0.0797991765042146},{"text":"So that way, you kind of know exactly which one you have.","start":400.85,"end":405.805,"sentiment":"neutral","sentiment_score":0.0638663371404012},{"text":"If you swing down past there, we've got the insurance policy, life TPD income protection.","start":405.805,"end":411.585,"sentiment":"neutral","sentiment_score":0.03540689510603746}],"sentiment":"neutral","sentiment_score":0.07451124089739976,"num_words":62,"start":388.435,"end":411.585},{"sentences":[{"text":"Perfect.","start":414.125,"end":414.625,"sentiment":"neutral","sentiment_score":0.308065265417099},{"text":"And after that, you'll see we're not changing your risk profile.","start":414.685,"end":418.36,"sentiment":"neutral","sentiment_score":0.04881043833765117},{"text":"I believe you guys agreed to remain as a growth investor, kind of four out of five on the risk scale.","start":418.41998,"end":423.8,"sentiment":"neutral","sentiment_score":0.09160452327203183},{"text":"Still primarily focused on long term growth, but not high risk.","start":424.09998,"end":427.8,"sentiment":"neutral","sentiment_score":0.03862439197572795},{"text":"Cool.","start":429.93997,"end":430.395,"sentiment":"neutral","sentiment_score":0.26580101251602173}],"sentiment":"neutral","sentiment_score":0.07687432000206576,"num_words":45,"start":414.125,"end":430.395},{"sentences":[{"text":"If you go down two more pages for me, you'll see a lovely big wall of text under strategy recommendations, blue heading.","start":430.47498,"end":438.175,"sentiment":"neutral","sentiment_score":0.1848184930329973},{"text":"So the main crux of what we're looking at here is a bit of a top up rollover from IWF.","start":438.955,"end":444.735,"sentiment":"neutral","sentiment_score":0.10600766465067864},{"text":"We still need to keep 10,000 in there for the minimum couple of years worth of premiums, a little bit of a buffer just to make sure if the market crashes, there's no risk of the insurances lapsing.","start":445.49002,"end":457.51,"sentiment":"neutral","sentiment_score":0.1159837681702093},{"text":"Cool.","start":459.49002,"end":459.885,"sentiment":"positive","sentiment_score":0.4210190176963806},{"text":"We do have a few updates to the investments as well.","start":460.045,"end":463.105,"sentiment":"neutral","sentiment_score":0.26914665373888885}],"sentiment":"neutral","sentiment_score":0.15190408194599592,"num_words":92,"start":430.47498,"end":463.105},{"sentences":[{"text":"Basically, what we're trying to do is balance the asset allocation between the two funds, make sure it's still in line with the growth risk profile.","start":463.245,"end":471.105,"sentiment":"neutral","sentiment_score":0.07798199756787373},{"text":"Now if you swing down past there, you'll see an advantages and disadvantages table under an outcome setting.","start":473.21,"end":480.27002,"sentiment":"neutral","sentiment_score":0.020001997343368},{"text":"So the short of these two tables is in terms of pros, we found some lower fee investments with better performance.","start":482.97,"end":490.72498,"sentiment":"neutral","sentiment_score":0.23296389622347696},{"text":"We're able to kind of update what's kind of going on around the world just in terms of Australian shares and international and what's going on with legislation changes.","start":491.10498,"end":500.405,"sentiment":"neutral","sentiment_score":0.3127263789546901},{"text":"And the cons of the advice is if you have two super funds, you're still paying fees to keep the second account open, and that impacts your balance.","start":500.81,"end":508.66998,"sentiment":"neutral","sentiment_score":-0.06603988911956549}],"sentiment":"neutral","sentiment_score":0.11885047380308636,"num_words":122,"start":463.245,"end":508.66998},{"sentences":[{"text":"We do have factored in a little bit of capital gains tax under the hood because whenever you change investments inside super, they kind of pay like an internal tax rate, and we can kind of have a bit of control over what we buy and sell.","start":513.20996,"end":525.84503,"sentiment":"neutral","sentiment_score":0.012614486144578203},{"text":"Now if you swing down past there, you'll see a table on page sort of sixteen, seventeen called fee comparison.","start":527.585,"end":531.61505,"sentiment":"neutral","sentiment_score":0.06542097330093384},{"text":"Comparison.","start":533.72003,"end":534.22003,"sentiment":"neutral","sentiment_score":0.06479945778846741},{"text":"Cool.","start":537.16,"end":537.66,"sentiment":"neutral","sentiment_score":0.31492966413497925},{"text":"Now what to let you know here, so it's got sort of four main columns in the middle.","start":537.8,"end":542.2,"sentiment":"neutral","sentiment_score":0.09909902471635076}],"sentiment":"neutral","sentiment_score":0.04672197565093808,"num_words":87,"start":513.20996,"end":542.2},{"sentences":[{"text":"You've got your hub and your I double f as they currently stand, the recommended balances once the rollovers are completed, and a difference column on the right hand side.","start":542.2,"end":551.795,"sentiment":"neutral","sentiment_score":0.09586393932501475},{"text":"Can you see that?","start":551.795,"end":552.77496,"sentiment":"neutral","sentiment_score":0.06533105857670307},{"text":"Cool.","start":554.51495,"end":554.755,"sentiment":"neutral","sentiment_score":0.2879791855812073},{"text":"So at the very right, we've got the $3.57.","start":554.755,"end":557.475,"sentiment":"neutral","sentiment_score":0.16065244045522478},{"text":"That's your capital gains tax from the investment switch.","start":557.475,"end":560.25,"sentiment":"neutral","sentiment_score":0.17744944327407414}],"sentiment":"neutral","sentiment_score":0.12204035006041797,"num_words":53,"start":542.2,"end":560.25},{"sentences":[{"text":"We've got $67, which is I double f is a little bit cheaper than Hub because it's a wrap platform, so it's a bit more expensive of an account.","start":560.89,"end":569.47,"sentiment":"neutral","sentiment_score":0.11849800188993585},{"text":"And then you've managed to kind of drop the investment fees almost in half.","start":569.61,"end":575.055,"sentiment":"neutral","sentiment_score":0.29521190587963375},{"text":"So there's a four $100 savings of investment fees with the new options that we've picked.","start":575.195,"end":580.895,"sentiment":"neutral","sentiment_score":0.23165416612755507},{"text":"Now just bear in mind as well, so because we are charging a percentage of the hub balance, so the adviser fees do go up as well because we're charging that kind of percentage on what we're managing, if that makes sense.","start":582.555,"end":594.5,"sentiment":"neutral","sentiment_score":0.07111615257426387},{"text":"Correct.","start":597.52,"end":598.02,"sentiment":"neutral","sentiment_score":0.2725682258605957}],"sentiment":"neutral","sentiment_score":0.1425031571484664,"num_words":102,"start":560.89,"end":598.02},{"sentences":[{"text":"We have a bit of a new structure that's in place as well.","start":598.64,"end":601.665,"sentiment":"neutral","sentiment_score":0.1909071860405115},{"text":"So everyone above 200,000, we're giving kind of tiered fee discounts from 2 to 500,000 now.","start":601.90497,"end":609.365,"sentiment":"neutral","sentiment_score":0.1865477655082941},{"text":"And from 500,000 to a million, we're dropping a few more as well.","start":609.505,"end":613.58496,"sentiment":"neutral","sentiment_score":0.1273566220815365},{"text":"So once we get through, we'll kind of organize updated consent forms for you and start to apply discounts as well.","start":613.58496,"end":622.04,"sentiment":"neutral","sentiment_score":0.18621455132961273},{"text":"Cool.","start":624.1,"end":624.6,"sentiment":"positive","sentiment_score":0.4988837242126465}],"sentiment":"neutral","sentiment_score":0.1801809852477163,"num_words":64,"start":598.64,"end":624.6},{"sentences":[{"text":"At the bottom there, so the main thing for you is growth risk profile aim for an average of around about 9% after fees as a benchmark.","start":624.66,"end":632.625,"sentiment":"neutral","sentiment_score":0.06235776524300928},{"text":"Some years, it's up fifteen twenty.","start":633.40497,"end":635.485,"sentiment":"neutral","sentiment_score":0.05679751932621002},{"text":"Some years, it's down 15%.","start":635.485,"end":637.265,"sentiment":"neutral","sentiment_score":-0.026253018528223038},{"text":"That's pretty common.","start":637.805,"end":638.945,"sentiment":"neutral","sentiment_score":0.13035867611567178},{"text":"Average it out over nine years.","start":639.245,"end":640.765,"sentiment":"neutral","sentiment_score":0.1151346688469251}],"sentiment":"neutral","sentiment_score":0.06329922821927578,"num_words":47,"start":624.66,"end":640.765},{"sentences":[{"text":"If you can get 9%, you're on track, if that makes sense.","start":640.765,"end":643.85004,"sentiment":"neutral","sentiment_score":0.22331522405147552},{"text":"Cool.","start":645.83,"end":646.23004,"sentiment":"neutral","sentiment_score":0.2705293595790863},{"text":"So we'll bump up the average there for the five year.","start":646.23004,"end":648.87,"sentiment":"neutral","sentiment_score":0.22827640717679804},{"text":"If you swing over to the next page, you'll see a bit of an estimate.","start":648.87,"end":652.41003,"sentiment":"neutral","sentiment_score":0.0881500725944837},{"text":"And I've just got to kind of explain how we've arrived at this estimate as well.","start":652.95,"end":656.995,"sentiment":"neutral","sentiment_score":0.11519836820662022}],"sentiment":"neutral","sentiment_score":0.15685050013390453,"num_words":55,"start":640.765,"end":656.995},{"sentences":[{"text":"Can you see the five and ten year projection table?","start":656.995,"end":659.815,"sentiment":"neutral","sentiment_score":0.05740908198058605},{"text":"Cool.","start":662.035,"end":662.535,"sentiment":"neutral","sentiment_score":0.29131728410720825},{"text":"So what we've done here is your contributions are going into I, double f, and we've just projected if we switch the investments inside hub and this one rollover, we're estimating about 50,000 more over the next ten years with a grain of salt, of course.","start":662.595,"end":678.44995,"sentiment":"neutral","sentiment_score":0.12607344337131665},{"text":"Market goes up and down.","start":678.44995,"end":679.815,"sentiment":"neutral","sentiment_score":-0.07187913283705712},{"text":"This does not factor in any other future rollovers that we do.","start":680.775,"end":684.635,"sentiment":"neutral","sentiment_score":-0.0022956915199756622}],"sentiment":"neutral","sentiment_score":0.0848357099536303,"num_words":74,"start":656.995,"end":684.635},{"sentences":[{"text":"What that means is basically we're trying to be as conservative as possible because in case we can't get in contact with you to do any further changes, if we just did these changes and let it roll, this is kind of what we'd be looking at.","start":687.015,"end":699.19,"sentiment":"neutral","sentiment_score":0.0785864012989592},{"text":"Cool.","start":701.17004,"end":701.67004,"sentiment":"positive","sentiment_score":0.6777424216270447},{"text":"Down below, we've got a full breakdown of performance.","start":702.05005,"end":704.47003,"sentiment":"neutral","sentiment_score":0.31147217088275486},{"text":"Basically, just showing you I double f as it currently is, hub as it currently is, and those two splice together, and then switching the hub investments and how it now splicing them back together again.","start":704.53,"end":717.035,"sentiment":"neutral","sentiment_score":0.15412043552431795},{"text":"Realistically, the main thing I wanna show you is just the very bottom right of that recommended table.","start":719.095,"end":723.915,"sentiment":"neutral","sentiment_score":0.210605811741617}],"sentiment":"neutral","sentiment_score":0.14877291090853578,"num_words":111,"start":687.015,"end":723.915},{"sentences":[{"text":"I'm trying to get all of your returns to stay as double digit as we can above that percent.","start":724.14996,"end":730.49,"sentiment":"neutral","sentiment_score":0.21309055780109606},{"text":"Cool.","start":732.14996,"end":732.64996,"sentiment":"neutral","sentiment_score":0.1604195237159729},{"text":"Any questions on that so far?","start":733.43,"end":735.13,"sentiment":"neutral","sentiment_score":-0.012404026774068674},{"text":"Yeah.","start":742.485,"end":742.985,"sentiment":"neutral","sentiment_score":-0.029345177114009857},{"text":"Yeah.","start":744.725,"end":745.225,"sentiment":"neutral","sentiment_score":-0.007191255688667297}],"sentiment":"neutral","sentiment_score":0.14636355458891817,"num_words":28,"start":724.14996,"end":745.225},{"sentences":[{"text":"It's one of those things too that because every five to seven years, there's a COVID, a GFC, a war that breaks out.","start":745.365,"end":753.47003,"sentiment":"neutral","sentiment_score":-0.07700195949038734},{"text":"That's why we kind of look back five years for our projections because it factors in some of these drop to give you a bit more of a realistic outcome.","start":753.47003,"end":761.33,"sentiment":"neutral","sentiment_score":-0.03285191021859646},{"text":"If you go to that next page, the last one I wanna show you, there's just two more tables left.","start":764.73505,"end":769.155,"sentiment":"neutral","sentiment_score":0.026828472362831236},{"text":"The investments table.","start":769.85504,"end":771.155,"sentiment":"neutral","sentiment_score":0.011547301585475603},{"text":"I do apologize.","start":771.29504,"end":772.515,"sentiment":"neutral","sentiment_score":-0.058395057916641235}],"sentiment":"neutral","sentiment_score":-0.029880711349033858,"num_words":79,"start":745.365,"end":772.515},{"sentences":[{"text":"I've kind of put a rainbow coloring on this investments table with the the red, the blue, and the green, if you can see that there.","start":772.575,"end":779.06,"sentiment":"neutral","sentiment_score":0.0013032597131454027},{"text":"Now a little bit different.","start":788.0,"end":789.14,"sentiment":"neutral","sentiment_score":-0.017211603373289107},{"text":"So this is the investments that we wanna switch around, which ones we wanna buy, which ones we wanna sell, which ones we wanna keep.","start":789.2,"end":797.27496,"sentiment":"neutral","sentiment_score":0.005303416773676873},{"text":"So what we're essentially doing is in that bottom half of the table, we've got those eight or nine options under hub.","start":797.975,"end":804.93,"sentiment":"neutral","sentiment_score":-0.0077676783019507475},{"text":"The red three, they are getting sold out and kind of removed.","start":805.25,"end":809.91,"sentiment":"neutral","sentiment_score":-0.15660246151189008}],"sentiment":"neutral","sentiment_score":-0.02188562561964823,"num_words":90,"start":772.575,"end":809.91},{"sentences":[{"text":"The blue ones are kind of being rebalanced where they should be five or 7%.","start":811.25,"end":815.73,"sentiment":"neutral","sentiment_score":0.09926811903715134},{"text":"We're just bringing them back the way they should be.","start":815.73,"end":817.965,"sentiment":"positive","sentiment_score":0.36722793281078336},{"text":"And the two at the bottom, that's the new options that we've mixed in to replace the other ones, which is essentially low fee index funds to replace the Australian shares and the bank hybrids.","start":818.04504,"end":831.185,"sentiment":"neutral","sentiment_score":0.14525966388838632},{"text":"Long and short of it, essentially, you've got some term deposits that the type of them are being phased out by the government.","start":832.04,"end":838.3,"sentiment":"neutral","sentiment_score":0.2033401348668596},{"text":"It has some good returns.","start":838.52,"end":839.89996,"sentiment":"positive","sentiment_score":0.6647390604019165}],"sentiment":"neutral","sentiment_score":0.20733986083756795,"num_words":88,"start":811.25,"end":839.89996},{"sentences":[{"text":"We're essentially cashing in on it.","start":840.12,"end":842.12,"sentiment":"positive","sentiment_score":0.5764013628164927},{"text":"And rather than waiting for it all to kind of blow up next year, we're just replaced it early.","start":842.12,"end":847.615,"sentiment":"neutral","sentiment_score":0.2575724830752925},{"text":"And that been a long option that was kind of underperforming, we're replacing it with one that's lower fees, better performance, and that kind of brings everything back on track.","start":847.615,"end":856.755,"sentiment":"neutral","sentiment_score":0.16436976119875907},{"text":"Cool.","start":858.815,"end":859.315,"sentiment":"positive","sentiment_score":0.36572265625},{"text":"Last table is just your asset allocation pie chart on kind of 2021.","start":859.8,"end":864.52,"sentiment":"neutral","sentiment_score":0.13444545291937315}],"sentiment":"neutral","sentiment_score":0.22314335848542227,"num_words":69,"start":840.12,"end":864.52},{"sentences":[{"text":"You should be able to see that colorful pie chart there.","start":864.52,"end":867.02,"sentiment":"neutral","sentiment_score":0.1562426435676488},{"text":"Cool.","start":868.60004,"end":869.0,"sentiment":"positive","sentiment_score":0.3385258615016937},{"text":"So, again, pretty well diversified, to be honest.","start":869.0,"end":871.64,"sentiment":"positive","sentiment_score":0.3524578809738159},{"text":"We've got a good split between all the different asset classes.","start":871.64,"end":874.38,"sentiment":"positive","sentiment_score":0.38331562822515314},{"text":"The main thing I need to point out is that very middle row where it has growth total in gray, you should be able to see how it kinda goes 80%, 84, 86.","start":874.485,"end":884.265,"sentiment":"neutral","sentiment_score":0.1388459639115767}],"sentiment":"neutral","sentiment_score":0.21367572981398553,"num_words":64,"start":864.52,"end":884.265},{"sentences":[{"text":"That's basically your risk profile.","start":885.605,"end":887.20496,"sentiment":"neutral","sentiment_score":0.06997000724077225},{"text":"You need 80 to 90% growth assets or to be a growth investor.","start":887.20496,"end":891.71,"sentiment":"neutral","sentiment_score":0.08145688560146552},{"text":"So that's shares, property, and gold.","start":891.77,"end":893.55005,"sentiment":"neutral","sentiment_score":0.12870098277926445},{"text":"You're sitting at 84.","start":893.61005,"end":894.99005,"sentiment":"neutral","sentiment_score":0.13320282846689224},{"text":"Once we move funds from I, double f, into hub, you'll be sitting at 86.","start":895.05005,"end":898.81006,"sentiment":"neutral","sentiment_score":0.13955446978410085}],"sentiment":"neutral","sentiment_score":0.1117935768913391,"num_words":43,"start":885.605,"end":898.81006},{"sentences":[{"text":"So pretty much smack bang in the middle.","start":898.81006,"end":900.67004,"sentiment":"neutral","sentiment_score":0.195578558370471},{"text":"Cool.","start":902.01,"end":902.51,"sentiment":"positive","sentiment_score":0.3854788541793823},{"text":"Again, it's not high risk.","start":902.645,"end":903.605,"sentiment":"neutral","sentiment_score":0.12887000292539597},{"text":"We're not putting it to 95, a 100%, and we are not borrowing money on your super and getting you above a 100%.","start":903.605,"end":910.425,"sentiment":"neutral","sentiment_score":0.15991161115791486},{"text":"Cool.","start":912.565,"end":913.065,"sentiment":"positive","sentiment_score":0.3755379915237427}],"sentiment":"neutral","sentiment_score":0.17494637852436618,"num_words":38,"start":898.81006,"end":913.065},{"sentences":[{"text":"That's pretty much it.","start":913.765,"end":914.885,"sentiment":"neutral","sentiment_score":0.2409389428794384},{"text":"Everything for the rest of this document is a reminder on why you should have a will power of attorney in place.","start":914.885,"end":920.82996,"sentiment":"neutral","sentiment_score":0.15114340736446055},{"text":"Some disclaimers at the back that we do have a sixty day expiry for the documents.","start":921.85,"end":927.31,"sentiment":"neutral","sentiment_score":-0.12752355448901653},{"text":"If you wanna, you know, if you do sign off on this and you wanna revert it, there's a fourteen day cooling off period, and then we've got our fees relisted at the bottom of the document too.","start":928.08997,"end":937.115,"sentiment":"neutral","sentiment_score":-0.03718275310300095},{"text":"From here, basically, if you're happy with it, once you sign, we will jump online over Friday, do the investment trades and Great question.","start":939.495,"end":978.48004,"sentiment":"neutral","sentiment_score":0.19211098148177067}],"sentiment":"neutral","sentiment_score":0.05236781537846232,"num_words":104,"start":913.765,"end":978.48004},{"sentences":[{"text":"So everything that we do, investments, budgeting, debt management, insurance, everything gets factored into those fees.","start":978.62,"end":986.115,"sentiment":"neutral","sentiment_score":0.14588746521621943},{"text":"And no matter how many times we do offer new strategy or plan, unless you're doing something really big, there's no further charges.","start":986.27496,"end":992.695,"sentiment":"neutral","sentiment_score":0.1816465767181438},{"text":"The only thing that we can't do is we're not lawyers, so we can't set up a will.","start":992.995,"end":997.175,"sentiment":"neutral","sentiment_score":-0.07758956278363864},{"text":"So the fees for setting up a will would be, you know, post office is $25 for Australia post approved will.","start":997.955,"end":1004.59,"sentiment":"neutral","sentiment_score":0.06809398567392713},{"text":"And if you go to a solicitor, it could be how long's a piece of string, somewhere between 2 100 and 2,000, if you know what I mean.","start":1005.13,"end":1013.63,"sentiment":"neutral","sentiment_score":0.013673765052642142}],"sentiment":"neutral","sentiment_score":0.06536129904243182,"num_words":106,"start":978.62,"end":1013.63},{"sentences":[{"text":"Cool.","start":1019.70496,"end":1020.20496,"sentiment":"neutral","sentiment_score":0.28002482652664185},{"text":"We do have, I think, some lawyers that we know that do some, like, online wills, slightly discounted, I can always send their brochures through to you.","start":1021.065,"end":1030.6699,"sentiment":"neutral","sentiment_score":0.1523495746983422},{"text":"If you do just wanna put something simple in place, like I said, Australia Post has government approval kits for $25 a pop and also for the power of attorney as well for, you know, if you're in hospital or something.","start":1030.97,"end":1042.835,"sentiment":"neutral","sentiment_score":0.13054792258161596},{"text":"Cool.","start":1046.495,"end":1046.995,"sentiment":"neutral","sentiment_score":-0.0362706333398819},{"text":"Now when you get to that last page on kind of 32, 33, there is kind of three boxes.","start":1048.335,"end":1054.595,"sentiment":"neutral","sentiment_score":0.06740848739680491}],"sentiment":"neutral","sentiment_score":0.12348785164525335,"num_words":89,"start":1019.70496,"end":1054.595},{"sentences":[{"text":"You'll see a signature box and a date box.","start":1055.16,"end":1058.54,"sentiment":"neutral","sentiment_score":0.12195944206582175},{"text":"That's pretty much all we need.","start":1058.76,"end":1060.4601,"sentiment":"neutral","sentiment_score":0.2849825272957484},{"text":"The one above it is just if you wanna vary the recommendations and change what we put in place.","start":1060.52,"end":1066.2201,"sentiment":"neutral","sentiment_score":0.11519237568503932},{"text":"Done.","start":1079.095,"end":1079.595,"sentiment":"positive","sentiment_score":0.4073671102523804},{"text":"Just a heads up, there's kind of automated weekly reminders for the email just so it pops to the top of top of your inbox.","start":1079.6549,"end":1085.72,"sentiment":"positive","sentiment_score":0.45448894500732423}],"sentiment":"neutral","sentiment_score":0.27942960026363534,"num_words":60,"start":1055.16,"end":1085.72},{"sentences":[{"text":"Is there anything else you can think of that I can help you with over the next couple of weeks, couple of months?","start":1086.58,"end":1091.08,"sentiment":"positive","sentiment_score":0.4834724548070327},{"text":"That is not the easiest question to answer, but I do have some information.","start":1135.06,"end":1139.88,"sentiment":"neutral","sentiment_score":-0.07447356783917972},{"text":"I'm just pulling up your your hub account because this gives me a bit of, like, a since you started track record here.","start":1140.18,"end":1147.3201,"sentiment":"neutral","sentiment_score":0.23039288106171982},{"text":"So you know how I said that you wanna kind of aim for that percent average?","start":1148.875,"end":1152.495,"sentiment":"neutral","sentiment_score":0.22880974598228931},{"text":"We've hit 41 over let's call it three and a half years.","start":1153.915,"end":1160.095,"sentiment":"neutral","sentiment_score":0.07642350376894076}],"sentiment":"neutral","sentiment_score":0.22675353132018988,"num_words":88,"start":1086.58,"end":1160.095},{"sentences":[{"text":"So we go 41, part of it, the old 3.5.","start":1160.3151,"end":1164.04,"sentiment":"neutral","sentiment_score":0.032364589907228944},{"text":"So we've just cleared just under 12% after fees for random for the last three years, so above the benchmark, which is great.","start":1164.04,"end":1170.62,"sentiment":"neutral","sentiment_score":0.2839064604562262},{"text":"Yeah.","start":1174.76,"end":1175.16,"sentiment":"neutral","sentiment_score":0.17624011635780334},{"text":"And this will will track it better too because it was a little bit flat this year with the double market crash in March and then last month and couple of those options that we wanna switch out to.","start":1175.16,"end":1185.9049,"sentiment":"neutral","sentiment_score":-0.003039978062495207},{"text":"So the next time that you see the stock market goes up, you should start to see it kind of soar back up 170, 180 pretty quickly.","start":1185.9049,"end":1192.6699,"sentiment":"neutral","sentiment_score":0.07593165386330199}],"sentiment":"neutral","sentiment_score":0.08961330115795135,"num_words":100,"start":1160.3151,"end":1192.6699},{"sentences":[{"text":"Unfortunately, if the world explodes and we go through a recession, you'll see it tumble down to $1.35 and then back up to 200 a couple of years later.","start":1194.0099,"end":1202.5249,"sentiment":"neutral","sentiment_score":-0.29192404346219425},{"text":"That's kind of the roller coaster of being in growth.","start":1202.745,"end":1205.645,"sentiment":"neutral","sentiment_score":-0.04713945873081684},{"text":"That's right.","start":1233.735,"end":1234.2949,"sentiment":"neutral","sentiment_score":0.018449920462444425},{"text":"I mean, that's a good way to put it is if you have 10 properties and they go down in value, is that a a reason to rush up and sell them for a loss and crystallize it?","start":1234.2949,"end":1243.2,"sentiment":"neutral","sentiment_score":-0.04539277218282223},{"text":"Or do you go, oh, I'll pick up another one for a cheaper price.","start":1243.2799,"end":1245.9199,"sentiment":"neutral","sentiment_score":-0.0395765384393079}],"sentiment":"neutral","sentiment_score":-0.12020740739660718,"num_words":93,"start":1194.0099,"end":1245.9199},{"sentences":[{"text":"Now I've got 11.","start":1245.9199,"end":1246.8999,"sentiment":"neutral","sentiment_score":0.06245413236320019},{"text":"And then when the market goes up, all 11 properties all go up together.","start":1247.0399,"end":1250.5599,"sentiment":"neutral","sentiment_score":0.09054432011076383},{"text":"It's kind of like each one's a brick, if that makes sense.","start":1250.5599,"end":1253.2999,"sentiment":"neutral","sentiment_score":0.05460769574468335},{"text":"Yeah.","start":1268.735,"end":1269.135,"sentiment":"neutral","sentiment_score":0.08101260662078857},{"text":"So there's a couple of things to track.","start":1269.135,"end":1271.3301,"sentiment":"neutral","sentiment_score":0.0899736862629652}],"sentiment":"neutral","sentiment_score":0.0762443963247232,"num_words":39,"start":1245.9199,"end":1271.3301},{"sentences":[{"text":"So you've got the all ordinaries, which you're you're beating that.","start":1271.3301,"end":1274.05,"sentiment":"neutral","sentiment_score":0.15827886353839526},{"text":"That's at 35 over three years instead of 41.","start":1274.05,"end":1277.27,"sentiment":"neutral","sentiment_score":0.12358502629730436},{"text":"The ASX, we can have a little look at that one too.","start":1278.53,"end":1281.27,"sentiment":"neutral","sentiment_score":0.09289598216613133},{"text":"See how that's look for three years.","start":1281.41,"end":1283.3501,"sentiment":"neutral","sentiment_score":0.06857399695685931},{"text":"We get 2023 and May.","start":1283.605,"end":1287.625,"sentiment":"neutral","sentiment_score":0.0949704721570015}],"sentiment":"neutral","sentiment_score":0.11188533775169741,"num_words":44,"start":1271.3301,"end":1287.625},{"sentences":[{"text":"That's only up 21% for three and a half years, so quite a bit below.","start":1288.4049,"end":1293.1449,"sentiment":"neutral","sentiment_score":0.12690404504537584},{"text":"The main thing that we compare to as well is to all the other super funds.","start":1294.245,"end":1298.2999,"sentiment":"neutral","sentiment_score":0.10072532668709755},{"text":"We need to make sure that if you're gonna pay an adviser fee, that we're trying to get you something that consistently gets you above what everyone else is doing to justify the cost.","start":1298.44,"end":1308.7,"sentiment":"neutral","sentiment_score":0.1138856321134988},{"text":"It's not always going to be in a three month period, the top one, if that makes sense.","start":1308.84,"end":1315.3451,"sentiment":"neutral","sentiment_score":0.029050079277820058},{"text":"But, basically, if we can get you an extra 2% per annum for ten, twenty years, that'll compound to an extra few 100,000 in retirement.","start":1315.3451,"end":1322.385,"sentiment":"neutral","sentiment_score":0.22159020006656646}],"sentiment":"neutral","sentiment_score":0.12453642428887111,"num_words":108,"start":1288.4049,"end":1322.385},{"sentences":[{"text":"That's the end of the game.","start":1322.385,"end":1323.685,"sentiment":"neutral","sentiment_score":0.11642961824933688},{"text":"Yeah.","start":1334.8401,"end":1335.16,"sentiment":"neutral","sentiment_score":0.07964028418064117},{"text":"I just had my third little little girl there for the two boys, and I'm suddenly just gotten back.","start":1335.16,"end":1341.855,"sentiment":"neutral","sentiment_score":0.11806151074798484},{"text":"Oh, Hamish, that's amazing.","start":1348.795,"end":1350.235,"sentiment":"positive","sentiment_score":0.5623310804367065},{"text":"So I just got a bit of a present from the company today, a little little onesie for the baby with a brand new branding on it.","start":1350.235,"end":1357.35,"sentiment":"positive","sentiment_score":0.3360671246493304}],"sentiment":"neutral","sentiment_score":0.25165830500293196,"num_words":57,"start":1322.385,"end":1357.35},{"sentences":[{"text":"So I'm gonna do a photo shoot now.","start":1357.35,"end":1358.95,"sentiment":"neutral","sentiment_score":0.18436398170888424},{"text":"It'll be up on the Facebook.","start":1358.95,"end":1360.25,"sentiment":"neutral","sentiment_score":0.13217054245372614},{"text":"But, no, the the boys absolutely love her.","start":1361.27,"end":1363.61,"sentiment":"positive","sentiment_score":0.6497712451964617},{"text":"She's just smiling nonstop.","start":1363.67,"end":1365.13,"sentiment":"positive","sentiment_score":0.8490787446498871},{"text":"They won't stop trying to make her laugh, and, obviously, that's getting us now because they won't stop kissing her face.","start":1365.27,"end":1370.235,"sentiment":"positive","sentiment_score":0.6835828196434748}],"sentiment":"positive","sentiment_score":0.5365459417250562,"num_words":47,"start":1357.35,"end":1370.235},{"sentences":[{"text":"And, you know, I've got a seven and a three year old, so they're always constantly, let me pick her up.","start":1370.295,"end":1375.575,"sentiment":"neutral","sentiment_score":0.07749865612103826},{"text":"Let me pick her up.","start":1375.575,"end":1376.375,"sentiment":"neutral","sentiment_score":0.04780368506908417},{"text":"And yeah.","start":1376.375,"end":1377.445,"sentiment":"neutral","sentiment_score":0.02786447573453188},{"text":"Alright.","start":1382.98,"end":1383.22,"sentiment":"positive","sentiment_score":0.365265816450119},{"text":"Thank you very much, and congratulations to you guys as well.","start":1383.22,"end":1386.0399,"sentiment":"positive","sentiment_score":0.6225699565627358}],"sentiment":"neutral","sentiment_score":0.22839386234991252,"num_words":40,"start":1370.295,"end":1386.0399},{"sentences":[{"text":"That's okay.","start":1395.1399,"end":1395.96,"sentiment":"neutral","sentiment_score":0.24225462973117828},{"text":"From now so I'll pretty much be looking after you as your your main point of contact, but you've obviously got Dana, Larissa, Jenna, all the other advisers here as well.","start":1396.975,"end":1406.115,"sentiment":"neutral","sentiment_score":0.12045784510912434},{"text":"Main question I have for you, though, was we've got the next annual review scheduled in.","start":1407.135,"end":1411.48,"sentiment":"neutral","sentiment_score":0.02035756566328928},{"text":"Do you want me to pencil in anything before the next review?","start":1411.7,"end":1415.32,"sentiment":"neutral","sentiment_score":0.004405925516039133},{"text":"What's your, like, contact preference?","start":1415.38,"end":1417.16,"sentiment":"neutral","sentiment_score":0.0004164823796600103}],"sentiment":"neutral","sentiment_score":0.06968753070528196,"num_words":66,"start":1395.1399,"end":1417.16},{"sentences":[{"text":"Yeah.","start":1452.595,"end":1453.095,"sentiment":"neutral","sentiment_score":-0.00830575916916132},{"text":"Okay.","start":1454.835,"end":1455.335,"sentiment":"neutral","sentiment_score":0.0804179459810257},{"text":"If anything else does pop up in your life and and you want some help, just give us a call.","start":1456.035,"end":1460.0549,"sentiment":"neutral","sentiment_score":0.12787315398454666},{"text":"It's just that easy, and we'll schedule in.","start":1460.355,"end":1462.115,"sentiment":"positive","sentiment_score":0.3473264565691352},{"text":"And whether it's email or or phone, we'll we'll do our best.","start":1462.115,"end":1464.79,"sentiment":"neutral","sentiment_score":0.2506115889797608}],"sentiment":"neutral","sentiment_score":0.20036966635269068,"num_words":42,"start":1452.595,"end":1464.79},{"sentences":[{"text":"Awesome, mate.","start":1467.65,"end":1468.29,"sentiment":"positive","sentiment_score":0.7986293137073517},{"text":"I'll just send you the usual kind of feedback tech.","start":1468.29,"end":1470.63,"sentiment":"positive","sentiment_score":0.4531427502632141},{"text":"Anything would be appreciated, and we'll get all this implemented as soon as we get it back signed.","start":1471.01,"end":1476.07,"sentiment":"positive","sentiment_score":0.43887219164106583},{"text":"Easy done, Hamish.","start":1480.845,"end":1481.6449,"sentiment":"positive","sentiment_score":0.8006768027941386},{"text":"Have a fantastic week, and congrats again.","start":1481.6449,"end":1483.825,"sentiment":"positive","sentiment_score":0.8415940999984741}],"sentiment":"positive","sentiment_score":0.5580393671989441,"num_words":40,"start":1467.65,"end":1483.825},{"sentences":[{"text":"Thank you.","start":1487.005,"end":1487.565,"sentiment":"positive","sentiment_score":0.6623677611351013},{"text":"Bye.","start":1487.565,"end":1488.065,"sentiment":"positive","sentiment_score":0.3342730700969696}],"sentiment":"positive","sentiment_score":0.5530028641223907,"num_words":3,"start":1487.005,"end":1488.065}]}}]},{"alternatives":[{"transcript":"Hello. Henry speaking. Good. Thanks, Tommy. How's yourself? Yeah. Not a bad day. It's fairly warm in South Australia, but it's a little bit overcast, a little bit muggy. So it's probably what more you're used to, but a bit different for us. Yes. Yeah. That'll be good. Yep. I should be right to go through it with you on the email. Yep. Sure. 01/23/1988 And 18 Heath Place, New York, 5355 South Australia. Yes. That's fine. Yep. Yep. Sure. Now I've just got it through. I'm just looking at all the the hyperlinks for the attachments. I think that's the only. Yeah. Alright. Do I need to find that first of all, or don't or do I wait till the end? Yep. Sure. Yep. Sure. Okay. Let's see. Yep. Yeah. Cool. Yep. Yeah. Yep. Yep. That sounds good. Yep. Yep. Page four. Yes. Yep. Sure. Alright. Yep. Sorry. Yeah. Yeah. That's what you're talking. Yep. Mhmm. Okay. Cool. Yeah. Yep. Yep. Yeah. Sure. Yep. So we can change the I just got a promotion two weeks ago, which is awesome. So that's now $1.77. Thank you. That's okay. Yep. Yeah. So now I'm a senior training adviser. So not not huge, but, yeah, just yeah. Just that one level up, I guess. It is indeed. Yeah. One 70 seven. Yep. Pedro was what does that mean? The car. A Pajero, I think, would probably be the I guess they've they've they've made that error. They they they've probably gone I couldn't remember if it was a Pajero or product, and they probably just and they're just gone with the plain. It is a Pajero. Yep. Yep. Sure. That's alright. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Sure. Yeah. Sure. Okay. Cool. Yeah. Yep. Yep. Yeah. Yep. No. It's fine. Yep. Okay. Yep. Yep. Yeah. Yeah. Sure. Yep. That's good. Yep. Sure. So the the the more I make, the more you guys make. It's Yeah. Yep. Very good. Yep. Yep. That's good. Yes. Yep. Yep. Yep. Okay. That's good. Yep. Yep. Not very good. No. It also seems to be projecting, I guess, tracking wells depending on the market and the economy. Yep. That's fair. No. It's fine. Red is, I'm guessing, negative. Blue is sort of even and not much, and then green's a good positive. Oh, yep. Okay. Yep. Okay. Cool. Okay. Okay. Good. Yep. Yep. Okay. Good. Okay. Yep. No worries. No. That's fine. So have I is the will is that factored in sorry. You probably covered it, but is the will will factored into the current fees and sort of, like, fees? Yes. Fees for for the for you guys? Or Yep. Sure. Yeah. Yeah. Of course. Yep. Yeah. Yeah. No. That's cool. Alright. So now I'll look into that separately. That's all good. But yeah. Oh, okay. Cool. Yep. Yeah. No. Sorry. I'm not looking to that one, actually, to begin with. Yep. No. That should be okay. So yeah. No. That's alright. I'll I'll have a bit of a a a look through with my wife when when we've hung up, and we'll then I'll get that through to you. Yep. I don't think so. I think everything's sort of hey. It just off the top of your head and sort of, I guess, simplify it like I'm a grade five is where I'm at now, is that exactly where sort of we were projected to be, let's say, a year or two ago when we started? Is it like because, I mean, I see we're at about two twenty six mark roughly. I think even, like, a year ago or two years ago, I think I was around the one forty, one sixty. So I guess I'm I'm thinking of it as good, but, like, I guess, in layman's terms, are we doing well? Sure. Yeah. That's good. Yeah. Okay. So that's so we're tracking well. Yep. Yep. No. That's right. And, look, I I understand. Like, the money I I try not to get too hung up on, you know, the, I guess, the losses because it's not your money until you take it out. You know what I mean? Like, it's yeah. You can look at it and go, I've lost such and such in shares. But until you're actually willing to take the money out, it's it's not you haven't lost anything. It's just that if you're if you have to take the money out then and there, then you've made a loss. Yay. That's that's right. So yeah. No. That's good. So I I'm glad to hear that we're doing around that 12%. That's above, I guess, what what do I say? The a ASX or that's around the eight or 9%, isn't it? Yeah. Yeah. Yep. Yes. Yeah. That's right. Yeah. No. So that's that's good. No. Thank you. I really appreciate you taking the time, Tommy. And did you say you earlier that you're on parental leave? We're we're expecting the same in February. So we've got a little girl coming for our two boys as well. So, yeah, that's in that's early next year. Yeah. Yeah. Six and two. So yeah. No. We won't be that far dissimilar situations, really. So congratulations. Yeah. Thank you. But, no, that's that's pretty much I think that's pretty much cleared most things up for me. Thank you for taking the time. Yep. No. I reckon at this point, we'll we'll keep it at the year. I know I struggle for some reason to be gotten a hold of by your team. I think I always keep getting these missed calls going, can you get in touch with us? And every time I try, it's just because I'm in between WA and South Australia, the time well, I'll I'll get to 03:00 in in WA and be, oh, great. I'll call. No. That's 05:00 or 06:00 your time. And I'm like, I guess I'll try again tomorrow, then you forget. No. So let's let's keep it in a year for now. Yeah. Beautiful. Yeah. Awesome. Thanks, Tommy. I really appreciate it. Yep. Awesome, mate. Well, I'll certainly endeavor to sign it today, so I'll get it back to you. Thank you, and and to you. So all the best, mate. Cheers. Alright. 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Henry speaking. Good. Thanks, Tommy. How's yourself?\n\nYeah. Not a bad day. It's fairly warm in South Australia, but it's a little bit overcast, a little bit muggy. So it's probably what more you're used to, but a bit different for us. Yes.\n\nYeah. That'll be good. Yep. I should be right to go through it with you on the email. Yep.\n\nSure. 01/23/1988 And 18 Heath Place, New York, 5355 South Australia. Yes. That's fine. Yep.\n\nYep. Sure. Now I've just got it through. I'm just looking at all the the hyperlinks for the attachments. I think that's the only.\n\nYeah. Alright. Do I need to find that first of all, or don't or do I wait till the end? Yep. Sure.\n\nYep. Sure. Okay. Let's see. Yep.\n\nYeah. Cool. Yep. Yeah. Yep.\n\nYep. That sounds good. Yep. Yep. Page four.\n\nYes. Yep. Sure. Alright. Yep.\n\nSorry. Yeah. Yeah. That's what you're talking. Yep.\n\nMhmm. Okay. Cool. Yeah. Yep.\n\nYep. Yeah. Sure. Yep. So we can change the I just got a promotion two weeks ago, which is awesome.\n\nSo that's now $1.77. Thank you. That's okay. Yep. Yeah.\n\nSo now I'm a senior training adviser. So not not huge, but, yeah, just yeah. Just that one level up, I guess. It is indeed. Yeah.\n\nOne 70 seven. Yep. Pedro was what does that mean? The car. A Pajero, I think, would probably be the I guess they've they've they've made that error.\n\nThey they they've probably gone I couldn't remember if it was a Pajero or product, and they probably just and they're just gone with the plain. It is a Pajero. Yep. Yep. Sure.\n\nThat's alright. Yep. Yes. Yep. Yep.\n\nYep. Yep. Yep. Sure. Yeah.\n\nSure. Okay. Cool. Yeah. Yep.\n\nYep. Yeah. Yep. No. It's fine.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYeah. Sure. Yep. That's good. Yep.\n\nSure. So the the the more I make, the more you guys make. It's Yeah. Yep. Very good.\n\nYep. Yep. That's good. Yes. Yep.\n\nYep. Yep. Okay. That's good. Yep.\n\nYep. Not very good. No. It also seems to be projecting, I guess, tracking wells depending on the market and the economy. Yep.\n\nThat's fair. No. It's fine. Red is, I'm guessing, negative. Blue is sort of even and not much, and then green's a good positive.\n\nOh, yep. Okay. Yep. Okay. Cool.\n\nOkay. Okay. Good. Yep. Yep.\n\nOkay. Good. Okay. Yep. No worries.\n\nNo. That's fine. So have I is the will is that factored in sorry. You probably covered it, but is the will will factored into the current fees and sort of, like, fees? Yes.\n\nFees for for the for you guys? Or Yep. Sure. Yeah. Yeah.\n\nOf course. Yep. Yeah. Yeah. No.\n\nThat's cool. Alright. So now I'll look into that separately. That's all good. But yeah.\n\nOh, okay. Cool. Yep. Yeah. No.\n\nSorry. I'm not looking to that one, actually, to begin with. Yep. No. That should be okay.\n\nSo yeah. No. That's alright. I'll I'll have a bit of a a a look through with my wife when when we've hung up, and we'll then I'll get that through to you. Yep.\n\nI don't think so. I think everything's sort of hey. It just off the top of your head and sort of, I guess, simplify it like I'm a grade five is where I'm at now, is that exactly where sort of we were projected to be, let's say, a year or two ago when we started? Is it like because, I mean, I see we're at about two twenty six mark roughly. I think even, like, a year ago or two years ago, I think I was around the one forty, one sixty.\n\nSo I guess I'm I'm thinking of it as good, but, like, I guess, in layman's terms, are we doing well? Sure. Yeah. That's good. Yeah.\n\nOkay. So that's so we're tracking well. Yep. Yep. No.\n\nThat's right. And, look, I I understand. Like, the money I I try not to get too hung up on, you know, the, I guess, the losses because it's not your money until you take it out. You know what I mean? Like, it's yeah.\n\nYou can look at it and go, I've lost such and such in shares. But until you're actually willing to take the money out, it's it's not you haven't lost anything. It's just that if you're if you have to take the money out then and there, then you've made a loss. Yay. That's that's right.\n\nSo yeah. No. That's good. So I I'm glad to hear that we're doing around that 12%. That's above, I guess, what what do I say?\n\nThe a ASX or that's around the eight or 9%, isn't it? Yeah. Yeah. Yep. Yes.\n\nYeah. That's right. Yeah. No. So that's that's good.\n\nNo. Thank you. I really appreciate you taking the time, Tommy. And did you say you earlier that you're on parental leave? We're we're expecting the same in February.\n\nSo we've got a little girl coming for our two boys as well. So, yeah, that's in that's early next year. Yeah. Yeah. Six and two.\n\nSo yeah. No. We won't be that far dissimilar situations, really. So congratulations. Yeah.\n\nThank you. But, no, that's that's pretty much I think that's pretty much cleared most things up for me. Thank you for taking the time. Yep. No.\n\nI reckon at this point, we'll we'll keep it at the year. I know I struggle for some reason to be gotten a hold of by your team. I think I always keep getting these missed calls going, can you get in touch with us? And every time I try, it's just because I'm in between WA and South Australia, the time well, I'll I'll get to 03:00 in in WA and be, oh, great. I'll call.\n\nNo. That's 05:00 or 06:00 your time. And I'm like, I guess I'll try again tomorrow, then you forget. No. So let's let's keep it in a year for now.\n\nYeah. Beautiful. Yeah. Awesome. Thanks, Tommy.\n\nI really appreciate it. Yep. Awesome, mate. Well, I'll certainly endeavor to sign it today, so I'll get it back to you. Thank you, and and to you.\n\nSo all the best, mate. Cheers. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.03190596029162407},{"text":"Henry speaking.","start":0.88,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.028472927398979664},{"text":"Good.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.4463176727294922},{"text":"Thanks, Tommy.","start":6.3199997,"end":7.04,"sentiment":"positive","sentiment_score":0.4776659607887268},{"text":"How's yourself?","start":7.04,"end":7.7,"sentiment":"neutral","sentiment_score":0.21855200082063675}],"sentiment":"neutral","sentiment_score":0.24095067637972534,"num_words":8,"start":0.39999998,"end":7.7},{"sentences":[{"text":"Yeah.","start":12.415,"end":12.735001,"sentiment":"neutral","sentiment_score":0.05927480012178421},{"text":"Not a bad day.","start":12.735001,"end":13.775001,"sentiment":"neutral","sentiment_score":0.07473320327699184},{"text":"It's fairly warm in South Australia, but it's a little 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okay.","start":1037.995,"end":1038.635,"sentiment":"neutral","sentiment_score":0.21151578426361084},{"text":"Cool.","start":1038.635,"end":1039.135,"sentiment":"neutral","sentiment_score":0.2699715495109558},{"text":"Yep.","start":1041.275,"end":1041.775,"sentiment":"neutral","sentiment_score":0.07129932940006256},{"text":"Yeah.","start":1043.755,"end":1043.995,"sentiment":"neutral","sentiment_score":-0.01583637297153473},{"text":"No.","start":1043.995,"end":1044.235,"sentiment":"neutral","sentiment_score":-0.08964689075946808}],"sentiment":"neutral","sentiment_score":0.10980319728453954,"num_words":6,"start":1037.995,"end":1044.235},{"sentences":[{"text":"Sorry.","start":1044.235,"end":1044.555,"sentiment":"neutral","sentiment_score":-0.12990263104438782},{"text":"I'm not looking to that one, actually, to begin with.","start":1044.555,"end":1047.055,"sentiment":"neutral","sentiment_score":-0.1244957759976387},{"text":"Yep.","start":1061.03,"end":1061.53,"sentiment":"neutral","sentiment_score":0.15796884894371033},{"text":"No.","start":1067.495,"end":1067.735,"sentiment":"neutral","sentiment_score":-0.0462179109454155},{"text":"That should be okay.","start":1067.735,"end":1068.775,"sentiment":"neutral","sentiment_score":0.15385493263602257}],"sentiment":"neutral","sentiment_score":-0.03809939543990528,"num_words":17,"start":1044.235,"end":1068.775},{"sentences":[{"text":"So yeah.","start":1068.775,"end":1069.255,"sentiment":"neutral","sentiment_score":0.19686603546142578},{"text":"No.","start":1069.255,"end":1069.495,"sentiment":"neutral","sentiment_score":0.0427960529923439},{"text":"That's alright.","start":1069.495,"end":1070.0549,"sentiment":"neutral","sentiment_score":0.2783946990966797},{"text":"I'll I'll have a bit of a a a look through with my wife when when we've hung up, and we'll then I'll get that through to you.","start":1070.0549,"end":1078.395,"sentiment":"neutral","sentiment_score":0.3086614901466029},{"text":"Yep.","start":1086.06,"end":1086.56,"sentiment":"positive","sentiment_score":0.4104888141155243}],"sentiment":"neutral","sentiment_score":0.29548023706849885,"num_words":34,"start":1068.775,"end":1086.56},{"sentences":[{"text":"I don't think so.","start":1092.22,"end":1093.275,"sentiment":"neutral","sentiment_score":-0.16066126711666584},{"text":"I think everything's sort of hey.","start":1095.435,"end":1098.0751,"sentiment":"neutral","sentiment_score":-0.06012516363989562},{"text":"It just off the top of your head and sort of, I guess, simplify it like I'm a grade five is where I'm at now, is that exactly where sort of we were projected to be, let's say, a year or two ago when we started?","start":1098.0751,"end":1115.6699,"sentiment":"neutral","sentiment_score":0.025289476565692737},{"text":"Is it like because, I mean, I see we're at about two twenty six mark roughly.","start":1115.6699,"end":1120.01,"sentiment":"neutral","sentiment_score":0.06700978800654411},{"text":"I think even, like, a year ago or two years ago, I think I was around the one forty, one sixty.","start":1121.4651,"end":1127.2251,"sentiment":"neutral","sentiment_score":0.12094266215960185}],"sentiment":"neutral","sentiment_score":0.04055776758249649,"num_words":93,"start":1092.22,"end":1127.2251},{"sentences":[{"text":"So I guess I'm I'm thinking of it as good, but, like, I guess, in layman's terms, are we doing well?","start":1127.2251,"end":1132.6051,"sentiment":"neutral","sentiment_score":0.2336567406143461},{"text":"Sure.","start":1148.04,"end":1148.54,"sentiment":"neutral","sentiment_score":0.2434102892875671},{"text":"Yeah.","start":1153.1951,"end":1153.6951,"sentiment":"neutral","sentiment_score":0.10997042059898376},{"text":"That's good.","start":1169.19,"end":1169.9299,"sentiment":"positive","sentiment_score":0.6025596559047699},{"text":"Yeah.","start":1171.0299,"end":1171.4299,"sentiment":"neutral","sentiment_score":0.32022953033447266}],"sentiment":"neutral","sentiment_score":0.2609815809589166,"num_words":26,"start":1127.2251,"end":1171.4299},{"sentences":[{"text":"Okay.","start":1171.4299,"end":1171.83,"sentiment":"neutral","sentiment_score":0.2537655234336853},{"text":"So that's so we're tracking well.","start":1171.83,"end":1174.1699,"sentiment":"neutral","sentiment_score":0.2732687294483185},{"text":"Yep.","start":1183.125,"end":1183.625,"sentiment":"neutral","sentiment_score":0.014099650084972382},{"text":"Yep.","start":1203.2,"end":1203.7,"sentiment":"neutral","sentiment_score":-0.019071748480200768},{"text":"No.","start":1206.1449,"end":1206.3049,"sentiment":"neutral","sentiment_score":-0.18752552568912503}],"sentiment":"neutral","sentiment_score":0.17008802760392427,"num_words":10,"start":1171.4299,"end":1206.3049},{"sentences":[{"text":"That's right.","start":1206.3049,"end":1206.7849,"sentiment":"neutral","sentiment_score":-0.13315581530332565},{"text":"And, look, I I understand.","start":1206.7849,"end":1208.065,"sentiment":"neutral","sentiment_score":-0.07013213783502578},{"text":"Like, the money I I try not to get too hung up on, you know, the, I guess, the losses because it's not your money until you take it out.","start":1208.065,"end":1217.31,"sentiment":"neutral","sentiment_score":-0.17728974769512812},{"text":"You know what I mean?","start":1217.31,"end":1217.9501,"sentiment":"neutral","sentiment_score":-0.08018155694007874},{"text":"Like, it's yeah.","start":1217.9501,"end":1219.7101,"sentiment":"neutral","sentiment_score":-0.0560243067642053}],"sentiment":"neutral","sentiment_score":-0.1445476767917474,"num_words":45,"start":1206.3049,"end":1219.7101},{"sentences":[{"text":"You can look at it and go, I've lost such and such in shares.","start":1219.7101,"end":1222.43,"sentiment":"neutral","sentiment_score":-0.07804022463304656},{"text":"But until you're actually willing to take the money out, it's it's not you haven't lost anything.","start":1222.43,"end":1226.9901,"sentiment":"neutral","sentiment_score":-0.1384985714274294},{"text":"It's just that if you're if you have to take the money out then and there, then you've made a loss.","start":1226.9901,"end":1232.8501,"sentiment":"neutral","sentiment_score":-0.20310053690558388},{"text":"Yay.","start":1247.47,"end":1247.97,"sentiment":"neutral","sentiment_score":0.10538005828857422},{"text":"That's that's right.","start":1253.15,"end":1253.87,"sentiment":"neutral","sentiment_score":0.15660643577575684}],"sentiment":"neutral","sentiment_score":-0.1274455494380423,"num_words":56,"start":1219.7101,"end":1253.87},{"sentences":[{"text":"So yeah.","start":1253.87,"end":1254.35,"sentiment":"neutral","sentiment_score":0.12289433181285858},{"text":"No.","start":1254.35,"end":1254.59,"sentiment":"neutral","sentiment_score":0.0649930089712143},{"text":"That's good.","start":1254.59,"end":1255.15,"sentiment":"neutral","sentiment_score":0.13362737838178873},{"text":"So I I'm glad to hear that we're doing around that 12%.","start":1255.15,"end":1258.83,"sentiment":"positive","sentiment_score":0.7271799445152283},{"text":"That's above, I guess, what what do I say?","start":1258.83,"end":1262.725,"sentiment":"neutral","sentiment_score":0.24438348081376818}],"sentiment":"positive","sentiment_score":0.4424479650333524,"num_words":26,"start":1253.87,"end":1262.725},{"sentences":[{"text":"The a ASX or that's around the eight or 9%, isn't it?","start":1262.725,"end":1268.265,"sentiment":"neutral","sentiment_score":0.12247483556469281},{"text":"Yeah.","start":1269.9249,"end":1270.4249,"sentiment":"neutral","sentiment_score":0.11849258095026016},{"text":"Yeah.","start":1298.985,"end":1299.485,"sentiment":"neutral","sentiment_score":0.057514823973178864},{"text":"Yep.","start":1315.76,"end":1315.92,"sentiment":"neutral","sentiment_score":0.13054367899894714},{"text":"Yes.","start":1315.92,"end":1316.42,"sentiment":"neutral","sentiment_score":0.19044125080108645}],"sentiment":"neutral","sentiment_score":0.12291814759373665,"num_words":16,"start":1262.725,"end":1316.42},{"sentences":[{"text":"Yeah.","start":1323.04,"end":1323.36,"sentiment":"neutral","sentiment_score":0.14145004749298096},{"text":"That's right.","start":1323.36,"end":1323.76,"sentiment":"neutral","sentiment_score":0.18310564756393433},{"text":"Yeah.","start":1323.76,"end":1324.215,"sentiment":"neutral","sentiment_score":0.1403408944606781},{"text":"No.","start":1324.2949,"end":1324.455,"sentiment":"neutral","sentiment_score":0.08208456635475159},{"text":"So that's that's good.","start":1324.455,"end":1325.515,"sentiment":"neutral","sentiment_score":0.24461925774812698}],"sentiment":"neutral","sentiment_score":0.18984042604764303,"num_words":9,"start":1323.04,"end":1325.515},{"sentences":[{"text":"No.","start":1325.575,"end":1325.895,"sentiment":"neutral","sentiment_score":0.14437000453472135},{"text":"Thank you.","start":1325.895,"end":1326.5349,"sentiment":"positive","sentiment_score":0.3536808490753174},{"text":"I really appreciate you taking the time, Tommy.","start":1326.5349,"end":1328.875,"sentiment":"positive","sentiment_score":0.48489798977971077},{"text":"And did you say you earlier that you're on parental leave?","start":1330.215,"end":1333.275,"sentiment":"neutral","sentiment_score":0.08499393849210306},{"text":"We're we're expecting the same in February.","start":1340.21,"end":1342.29,"sentiment":"neutral","sentiment_score":0.10804592711584908}],"sentiment":"neutral","sentiment_score":0.22145415290162482,"num_words":29,"start":1325.575,"end":1342.29},{"sentences":[{"text":"So we've got a little girl coming for our two boys as well.","start":1342.29,"end":1345.73,"sentiment":"neutral","sentiment_score":0.17326426276793847},{"text":"So, yeah, that's in that's early next year.","start":1345.73,"end":1348.63,"sentiment":"neutral","sentiment_score":0.18565419875085354},{"text":"Yeah.","start":1370.5599,"end":1370.8,"sentiment":"neutral","sentiment_score":0.2176357209682465},{"text":"Yeah.","start":1370.8,"end":1371.3,"sentiment":"neutral","sentiment_score":0.1503528356552124},{"text":"Six and two.","start":1376.215,"end":1377.015,"sentiment":"neutral","sentiment_score":0.021103546644250553}],"sentiment":"neutral","sentiment_score":0.16034493086716303,"num_words":26,"start":1342.29,"end":1377.015},{"sentences":[{"text":"So yeah.","start":1377.015,"end":1377.4149,"sentiment":"neutral","sentiment_score":0.035739241167902946},{"text":"No.","start":1377.4149,"end":1377.655,"sentiment":"neutral","sentiment_score":0.0035084448754787445},{"text":"We won't be that far dissimilar situations, really.","start":1377.655,"end":1381.015,"sentiment":"neutral","sentiment_score":-0.003593964036554098},{"text":"So congratulations.","start":1381.015,"end":1381.995,"sentiment":"positive","sentiment_score":0.35285793244838715},{"text":"Yeah.","start":1386.2949,"end":1386.615,"sentiment":"neutral","sentiment_score":0.2049365341663361}],"sentiment":"neutral","sentiment_score":0.06834911528442587,"num_words":14,"start":1377.015,"end":1386.615},{"sentences":[{"text":"Thank you.","start":1386.615,"end":1387.355,"sentiment":"neutral","sentiment_score":0.32069137692451477},{"text":"But, no, that's that's pretty much I think that's pretty much cleared most things up for me.","start":1387.815,"end":1393.25,"sentiment":"neutral","sentiment_score":0.15354068051366246},{"text":"Thank you for taking the time.","start":1393.25,"end":1394.7101,"sentiment":"positive","sentiment_score":0.4588627467552821},{"text":"Yep.","start":1406.515,"end":1407.015,"sentiment":"neutral","sentiment_score":0.036447059363126755},{"text":"No.","start":1419.02,"end":1419.26,"sentiment":"neutral","sentiment_score":-0.07788228243589401}],"sentiment":"neutral","sentiment_score":0.2208635400014895,"num_words":27,"start":1386.615,"end":1419.26},{"sentences":[{"text":"I reckon at this point, we'll we'll keep it at the year.","start":1419.26,"end":1421.92,"sentiment":"neutral","sentiment_score":-0.05835486048211654},{"text":"I know I struggle for some reason to be gotten a hold of by your team.","start":1422.9401,"end":1428.8,"sentiment":"neutral","sentiment_score":-0.10620547784492373},{"text":"I think I always keep getting these missed calls going, can you get in touch with us?","start":1431.265,"end":1434.785,"sentiment":"neutral","sentiment_score":-0.03151821542312117},{"text":"And every time I try, it's just because I'm in between WA and South Australia, the time well, I'll I'll get to 03:00 in in WA and be, oh, great.","start":1434.785,"end":1444.2251,"sentiment":"neutral","sentiment_score":0.008964795743425687},{"text":"I'll call.","start":1444.2251,"end":1444.885,"sentiment":"neutral","sentiment_score":0.07059431821107864}],"sentiment":"neutral","sentiment_score":-0.03279510551652351,"num_words":77,"start":1419.26,"end":1444.885},{"sentences":[{"text":"No.","start":1445.025,"end":1445.4,"sentiment":"neutral","sentiment_score":-0.14373819530010223},{"text":"That's 05:00 or 06:00 your time.","start":1445.72,"end":1447.9601,"sentiment":"neutral","sentiment_score":-0.16391530136267343},{"text":"And I'm like, I guess I'll try again tomorrow, then you forget.","start":1447.9601,"end":1451.64,"sentiment":"neutral","sentiment_score":-0.1492286225159963},{"text":"No.","start":1451.64,"end":1452.14,"sentiment":"neutral","sentiment_score":-0.058807674795389175},{"text":"So let's let's keep it in a year for now.","start":1452.28,"end":1454.3,"sentiment":"neutral","sentiment_score":-0.0013757724314928056}],"sentiment":"neutral","sentiment_score":-0.09968462909261386,"num_words":30,"start":1445.025,"end":1454.3},{"sentences":[{"text":"Yeah.","start":1460.415,"end":1460.655,"sentiment":"neutral","sentiment_score":0.3035576045513153},{"text":"Beautiful.","start":1460.655,"end":1461.155,"sentiment":"positive","sentiment_score":0.6706054210662842},{"text":"Yeah.","start":1465.055,"end":1465.295,"sentiment":"positive","sentiment_score":0.47530674934387207},{"text":"Awesome.","start":1465.295,"end":1465.6951,"sentiment":"positive","sentiment_score":0.8132766485214233},{"text":"Thanks, Tommy.","start":1465.6951,"end":1466.335,"sentiment":"positive","sentiment_score":0.8516053855419159}],"sentiment":"positive","sentiment_score":0.6609928657611212,"num_words":6,"start":1460.415,"end":1466.335},{"sentences":[{"text":"I really appreciate it.","start":1466.335,"end":1467.555,"sentiment":"positive","sentiment_score":0.8600649982690811},{"text":"Yep.","start":1471.215,"end":1471.715,"sentiment":"neutral","sentiment_score":0.25170427560806274},{"text":"Awesome, mate.","start":1476.31,"end":1476.9501,"sentiment":"positive","sentiment_score":0.7368043065071106},{"text":"Well, I'll certainly endeavor to sign it today, so I'll get it back to you.","start":1476.9501,"end":1480.65,"sentiment":"positive","sentiment_score":0.5974265456199646},{"text":"Thank you, and and to you.","start":1484.1069,"end":1485.3069,"sentiment":"positive","sentiment_score":0.775219569603602}],"sentiment":"positive","sentiment_score":0.6706531601292747,"num_words":28,"start":1466.335,"end":1485.3069},{"sentences":[{"text":"So all the best, mate.","start":1485.3069,"end":1486.1069,"sentiment":"positive","sentiment_score":0.6580348610877991},{"text":"Cheers.","start":1486.1069,"end":1486.6069,"sentiment":"positive","sentiment_score":0.6451203227043152},{"text":"Alright.","start":1488.2668,"end":1488.5869,"sentiment":"neutral","sentiment_score":0.18194173276424408},{"text":"Bye.","start":1488.5869,"end":1489.0869,"sentiment":"neutral","sentiment_score":-0.1076141744852066}],"sentiment":"positive","sentiment_score":0.5012027733027935,"num_words":8,"start":1485.3069,"end":1489.0869}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Henry speaking.\n\nChannel 0: Good afternoon, Hamish. It's Tommy here from Oakview, mate. How are you doing?\n\nChannel 1: Good. Thanks, Tommy. How's yourself?\n\nChannel 0: Hey. It's been a beautiful day on the Gold Coast. What about your rent?\n\nChannel 1: Yeah. Not a bad day. It's fairly warm in South Australia, but it's a little bit overcast, a little bit muggy. So it's probably what more you're used to, but a bit different for us.\n\nChannel 0: You guys. I was just wondering if you still had a bit of time to go through that advice strategy that we had ready for you.\n\nChannel 1: Yes. Yeah. That'll be good.\n\nChannel 0: Perfect. So before I jump into it, I will be emailing it out to you just so you can as well. Will you get a look\n\nChannel 1: Yep.\n\nChannel 0: onto the email with me, or should I give you a bit of a walk through instead?\n\nChannel 1: I should be right to go through it with you on the email.\n\nChannel 0: No worries. I'm gonna send it now, and then I'll just go through quick security check with you while that's coming through. There is about a dozen attachments, so sometimes it takes a minute. That's all.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Now I'm registered with ASIC as adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have on file?\n\nChannel 1: 01/23/1988 And 18 Heath Place, New York, 5355 South Australia.\n\nChannel 0: Fantastic. I've got that there. Thank you so much for that. And are you okay for the call to be recorded?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Perfect. So that should come through to you pretty quickly. I believe you have used our new digital system before. It should be your main\n\nChannel 1: Yep.\n\nChannel 0: inbox.\n\nChannel 1: Yep.\n\nChannel 0: If it's first time, it goes to spam, usually.\n\nChannel 1: Sure. Now I've just got it through. I'm just looking at all the the hyperlinks for the attachments. I think that's the only. Yeah.\n\nAlright. Do I need to find that first of all, or don't or do I wait till the end?\n\nChannel 0: Wait till the end. Make sure you're comfortable with\n\nChannel 1: Yep.\n\nChannel 0: the ideas first. So all\n\nChannel 1: Sure.\n\nChannel 0: of those attachments are pretty much service guides for overview product from the super fund and the insurers and\n\nChannel 1: Yep.\n\nChannel 0: the I double f as well. That's all just updated product information. If you hit that sign button, it'll bring open the statement of advice to look at with\n\nChannel 1: Sure.\n\nChannel 0: me.\n\nChannel 1: Okay.\n\nChannel 0: You should see that sort of Gold Coast beachfront city picture on there.\n\nChannel 1: Let's see. Yep. Yeah. Cool.\n\nChannel 0: Perfect. Now just as a bit of a heads up for this one, so I'm just gonna get you down to the scope of advice. But on that cover page, it does have my licensing details listed. Now\n\nChannel 1: Yep.\n\nChannel 0: you'd originally spoken to Kyle. Kyle\n\nChannel 1: Yeah.\n\nChannel 0: escalated the file to myself, and I was just on paternity leave. So I had a few things that we we were kind of run by our investment committee to kind of figure out what was going on with all the legislation changes, you know, the capital\n\nChannel 1: Yep.\n\nChannel 0: gains, negative gearing, the war in Iran, inflation, reserve bank, all that kind of fun stuff. So there's a few things that we wanna kind of tweak a little bit, if that makes sense.\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Now if you swing through to that sort of third and fourth page, you'll see a scope of advice heading.\n\nChannel 1: Yep. Yep. Page four. Yes.\n\nChannel 0: Cool. So what we're really focusing on here is the superannuation review. You've got the I, double f, is built up. You've got the hub 24. We're just trying to make sure all of that is running the right performance, the right fees, and the right balances.\n\nThat's the main\n\nChannel 1: Yep.\n\nChannel 0: crux of this price. We have kind of put some reminders in for estate planning as well. Mainly just for things like, you know, wills, powers of attorney, anything if you don't already have it in place.\n\nChannel 1: Sure. Alright. Yep. Sorry.\n\nChannel 0: For a limited scope on the next page, we have factored in the insurance premiums and the impact it has on the super, but we're not giving insurance advice at this point. Obviously, due to health, we're sort of keeping the I double o insurances open,\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: that rings\n\nChannel 1: That's\n\nChannel 0: a bell.\n\nChannel 1: what you're talking. Yep.\n\nChannel 0: Cool. Next page, you've got what's not in this document, which is advice around cash flow, budgeting, debt management. Essentially, these are things that you're currently managing in terms of\n\nChannel 1: Mhmm.\n\nChannel 0: car debts and savings. But if at any point you need any further guidance or assistance from us, you just have to let us know.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Cool. And property is also out of scope for this one as well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: If you go past there, you'll see a red limited advice warning, which\n\nChannel 1: Yep.\n\nChannel 0: basically just says we're not covering everything under the sun. And if the info we have is incorrect, then that impacts the advice.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Cool. I'll just get you have a quick look for me at the about you and assets and liability sections for me. Just make sure all of this is correct.\n\nChannel 1: Yep.\n\nChannel 0: We've got\n\nChannel 1: So\n\nChannel 0: training adviser, 165 thousand, the Gmail mobile,\n\nChannel 1: we\n\nChannel 0: two\n\nChannel 1: can\n\nChannel 0: dependent.\n\nChannel 1: change the I just got a promotion two weeks ago,\n\nChannel 0: Yep.\n\nChannel 1: which is awesome. So that's now $1.77.\n\nChannel 0: Congratulations. So\n\nChannel 1: Thank\n\nChannel 0: just\n\nChannel 1: you.\n\nChannel 0: as a quick warning, the projections are based on the 165,\n\nChannel 1: That's\n\nChannel 0: but\n\nChannel 1: okay.\n\nChannel 0: I will\n\nChannel 1: Yep.\n\nChannel 0: update the system. And is there a change to your occupation there in terms of the title\n\nChannel 1: Yeah. So\n\nChannel 0: from\n\nChannel 1: now\n\nChannel 0: training\n\nChannel 1: I'm a\n\nChannel 0: adviser?\n\nChannel 1: senior training adviser. So\n\nChannel 0: Oh,\n\nChannel 1: not not huge, but, yeah, just yeah. Just that one level up,\n\nChannel 0: fantastic.\n\nChannel 1: I guess.\n\nChannel 0: Hey. It's always helpful in this day and age.\n\nChannel 1: It is indeed.\n\nChannel 0: So senior and one seventy seven. And then\n\nChannel 1: Yeah. One\n\nChannel 0: on the next\n\nChannel 1: 70\n\nChannel 0: page,\n\nChannel 1: seven.\n\nChannel 0: we've got a few sort of employee shares and the car as well. No other kind of assets or liabilities missing from there.\n\nChannel 1: Yep. Pedro was what does that mean? The\n\nChannel 0: I\n\nChannel 1: car.\n\nChannel 0: feel like that is a misspelling of Prado or potentially\n\nChannel 1: A Pajero,\n\nChannel 0: the type\n\nChannel 1: I think,\n\nChannel 0: of car,\n\nChannel 1: would probably\n\nChannel 0: a Sierra.\n\nChannel 1: be the I guess they've they've they've made that error.\n\nChannel 0: Okay. So\n\nChannel 1: They\n\nChannel 0: I'll\n\nChannel 1: they\n\nChannel 0: get\n\nChannel 1: they've\n\nChannel 0: the correct\n\nChannel 1: probably\n\nChannel 0: brand\n\nChannel 1: gone\n\nChannel 0: thing\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: couldn't\n\nChannel 0: then\n\nChannel 1: remember if it was a Pajero or product, and they probably just and they're just\n\nChannel 0: Splice\n\nChannel 1: gone\n\nChannel 0: the\n\nChannel 1: with\n\nChannel 0: two\n\nChannel 1: the plain.\n\nChannel 0: together. That's a metro. Oh, look. Okay. So I'll clarify that is a Pajero.\n\nChannel 1: It is a Pajero. Yep.\n\nChannel 0: Perfect. Perfect. Alright. With the Hub 24 I, double o, f, I've just included in there the type of platforms they are because Hub has a number of different\n\nChannel 1: Yep.\n\nChannel 0: funds, so does I, double o, f. So that way, you kind of know exactly which one you\n\nChannel 1: Sure. That's\n\nChannel 0: have. If you\n\nChannel 1: alright.\n\nChannel 0: swing down past there, we've got the insurance policy, life TPD income protection.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And after that, you'll see we're not changing your risk profile. I believe you guys agreed to remain as a growth investor, kind of four out\n\nChannel 1: Yes.\n\nChannel 0: of five\n\nChannel 1: Yep.\n\nChannel 0: on the risk scale. Still primarily focused on long term growth, but not high risk.\n\nChannel 1: Yep.\n\nChannel 0: Cool. If you go down two more pages for me, you'll see a lovely big wall of text under strategy recommendations,\n\nChannel 1: Yep.\n\nChannel 0: blue heading. So the main crux of what we're looking at here is a bit of a top up rollover from IWF. We\n\nChannel 1: Yep.\n\nChannel 0: still need to keep 10,000 in there for the minimum couple of years worth of premiums, a little bit of a buffer just\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: Sure.\n\nChannel 0: make sure if the market crashes, there's no risk of the insurances lapsing.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Cool. We do have a few updates to the investments as well. Basically, what we're trying to do is balance the asset allocation between the two funds, make sure it's still in line with the growth risk profile.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Now if you swing down past there, you'll see an advantages and disadvantages table under an outcome setting.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So the short of these two tables is in terms of pros, we found some lower fee investments with better performance. We're able to kind of update what's kind of going on around the world just in terms of Australian shares and international and what's going on with legislation changes. And\n\nChannel 1: Yep.\n\nChannel 0: the cons of the advice is if you have two super funds, you're still paying fees to keep the second account open, and that\n\nChannel 1: Yeah.\n\nChannel 0: impacts your balance.\n\nChannel 1: Yep. No. It's fine.\n\nChannel 0: We do have factored in a little bit of capital gains tax under the hood because whenever you change investments inside super, they kind of pay like an internal tax rate, and we can kind\n\nChannel 1: Yep.\n\nChannel 0: of have a bit of control over what we buy and sell.\n\nChannel 1: Okay.\n\nChannel 0: Now if you swing down past there, you'll see a table on page sort of sixteen, seventeen called fee comparison. Comparison.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Now what to let you know here, so it's got sort of four main columns in the middle. You've got your hub and your I double f as they currently stand, the recommended balances once the rollovers are completed, and a difference column on the right hand side. Can you see that?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. So at the very right, we've got the $3.57. That's your capital gains tax from the investment switch. We've got $67, which is I double f is\n\nChannel 1: Sure.\n\nChannel 0: a little bit cheaper than Hub because it's a wrap platform, so it's a bit more\n\nChannel 1: Yep.\n\nChannel 0: expensive of an account. And then you've managed to kind of drop the investment fees almost in half. So there's a four\n\nChannel 1: That's\n\nChannel 0: $100\n\nChannel 1: good.\n\nChannel 0: savings of investment fees with the new\n\nChannel 1: Yep.\n\nChannel 0: options that we've picked. Now just bear in mind as well, so because we are charging a percentage of the hub balance, so the adviser fees do go up as well because we're charging that kind of percentage on what we're managing, if that makes sense.\n\nChannel 1: Sure. So the the the more I make, the more you guys make. It's\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: We have a bit of a new structure that's in place as well. So everyone above 200,000, we're giving kind of tiered fee discounts from 2 to 500,000 now. And from 500,000 to a million, we're dropping a few more as well. So once we get through, we'll kind of organize updated consent forms for you and start\n\nChannel 1: Yep.\n\nChannel 0: to apply discounts as well.\n\nChannel 1: Very good.\n\nChannel 0: Cool. At the bottom there, so the main thing for you is growth risk profile aim for an average of around about 9% after fees as a benchmark. Some years,\n\nChannel 1: Yep.\n\nChannel 0: it's up fifteen twenty. Some years, it's down 15%. That's pretty common. Average it out over nine years. If you can get 9%, you're on track, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So we'll bump up the average there for\n\nChannel 1: That's\n\nChannel 0: the five\n\nChannel 1: good.\n\nChannel 0: year. If you swing over to the next page, you'll see a bit of an estimate. And I've just got to kind of explain how we've arrived at this estimate as well. Can you see the five and ten year projection table?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Cool. So what we've done here is your contributions are going into I, double f, and we've just projected if we switch the investments inside hub and this one rollover, we're estimating about 50,000 more over the next ten years with a grain of salt, of course. Market goes up and down. This does not factor in any other future rollovers that we do.\n\nChannel 1: Yep.\n\nChannel 0: What that means is basically we're trying to be as conservative as possible because in case we can't get in contact with you to do any further changes, if we\n\nChannel 1: Yep.\n\nChannel 0: just did these changes and let it roll, this is kind of what we'd be looking at.\n\nChannel 1: Okay. That's good.\n\nChannel 0: Cool. Down below, we've got a full breakdown of performance. Basically, just showing you I double f as it currently is, hub as it currently is, and those two splice together, and then switching the hub investments and how it now splicing them back together again.\n\nChannel 1: Yep.\n\nChannel 0: Realistically, the main thing I wanna show you is just the very bottom right of that recommended table. I'm trying to get all of your returns to stay as double digit as we can above that\n\nChannel 1: Yep.\n\nChannel 0: percent. Cool.\n\nChannel 1: Not very good.\n\nChannel 0: Any questions on that so far?\n\nChannel 1: No. It also seems to be projecting, I guess, tracking wells depending\n\nChannel 0: Yeah.\n\nChannel 1: on the market and the economy.\n\nChannel 0: Yeah. It's one of those things too that because every five to seven years, there's a COVID, a GFC, a war that breaks out. That's why we kind of look back five years for our projections because it factors in some of these drop to give you a bit\n\nChannel 1: Yep.\n\nChannel 0: more of a realistic outcome.\n\nChannel 1: That's fair.\n\nChannel 0: If you go to that next page, the last one I wanna show you, there's just two more tables left. The investments table. I do apologize. I've kind of put a rainbow coloring on this investments table with the the red, the blue, and the green, if you can see that there.\n\nChannel 1: No. It's fine. Red is, I'm guessing, negative. Blue is sort of even and not much, and then green's a good positive.\n\nChannel 0: Now a little bit different. So this is the investments that we wanna switch around,\n\nChannel 1: Oh,\n\nChannel 0: which\n\nChannel 1: yep.\n\nChannel 0: ones we wanna buy, which ones we wanna sell, which ones we wanna keep. So what we're essentially doing is in that bottom half of the table, we've got those eight or nine options under hub. The red three, they are getting sold out and kind of\n\nChannel 1: Okay.\n\nChannel 0: removed.\n\nChannel 1: Yep.\n\nChannel 0: The blue ones are kind of being rebalanced where they should be five or 7%. We're just bringing them back the way they should be. And the two at the bottom, that's the new options that we've mixed in to replace the other ones,\n\nChannel 1: Okay. Cool.\n\nChannel 0: which is essentially low fee index funds to replace the Australian shares and the bank hybrids. Long and short of it, essentially, you've got some term deposits that the type of them are being phased out by the government. It has some good returns. We're essentially cashing in on it. And rather than waiting for it all to kind of blow up next year, we're just replaced it early.\n\nAnd\n\nChannel 1: Okay.\n\nChannel 0: that been a long option that was kind of underperforming, we're replacing it with one that's lower fees, better performance, and that kind of brings everything back on track.\n\nChannel 1: Okay. Good.\n\nChannel 0: Cool. Last table is just your asset allocation pie chart on kind of 2021. You should be able to see that colorful pie chart there.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So, again, pretty well diversified, to be honest. We've got a good split between all the different asset classes. The main thing I need to point out is that very middle row where it has growth total in gray, you should be able to see how it kinda goes 80%, 84, 86.\n\nChannel 1: Yep.\n\nChannel 0: That's basically your risk profile. You need 80 to 90% growth assets or to be a growth investor. So that's shares, property, and gold. You're sitting at 84. Once we move funds from I, double f, into hub, you'll be sitting at 86.\n\nSo pretty much smack bang in the middle.\n\nChannel 1: Okay. Good.\n\nChannel 0: Cool. Again, it's not high risk. We're not putting it to 95, a 100%, and we are not borrowing money on your super and getting you above a 100%.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. That's pretty much it. Everything for the rest of this document is a reminder on why you should have a will power of attorney in place. Some disclaimers at the back that we do have a sixty day expiry for the documents. If you wanna, you know, if you do sign off on this and you wanna revert it, there's a fourteen day cooling off period, and then we've got our fees relisted at the bottom of the document too.\n\nChannel 1: No worries.\n\nChannel 0: From here, basically, if you're happy with it, once you sign, we will jump online over Friday, do the investment trades and\n\nChannel 1: No. That's fine. So have I is the will is that factored in sorry. You probably covered it, but is the will will factored into the current fees and sort of, like, fees? Yes.\n\nFees for for the for you guys?\n\nChannel 0: Great\n\nChannel 1: Or\n\nChannel 0: question. So everything that we do, investments, budgeting, debt management, insurance, everything gets factored into those fees. And no matter\n\nChannel 1: Yep.\n\nChannel 0: how many times we do offer new strategy or plan, unless you're doing something really big, there's no further charges. The only thing that we can't do is we're not lawyers, so we can't set up a will.\n\nChannel 1: Sure.\n\nChannel 0: So the fees for setting up a will would be, you know, post office is $25 for Australia post approved will. And if you go to a solicitor, it could be\n\nChannel 1: Yeah.\n\nChannel 0: how long's a piece of string, somewhere between\n\nChannel 1: Yeah. Of course.\n\nChannel 0: 2\n\nChannel 1: Yep.\n\nChannel 0: 100 and 2,000, if you know what I mean.\n\nChannel 1: Yeah. Yeah. No. That's cool. Alright.\n\nSo now I'll look into that separately. That's all good.\n\nChannel 0: Cool.\n\nChannel 1: But yeah.\n\nChannel 0: We do have, I think, some lawyers that we know that do some, like, online wills, slightly discounted, I can always send their brochures through to you. If you do just wanna put something simple in place, like I said, Australia Post has government approval kits for $25 a pop and\n\nChannel 1: Oh, okay.\n\nChannel 0: also\n\nChannel 1: Cool.\n\nChannel 0: for the power of attorney as well for, you know,\n\nChannel 1: Yep.\n\nChannel 0: if you're in hospital or something.\n\nChannel 1: Yeah. No. Sorry. I'm not looking to that one, actually, to begin\n\nChannel 0: Cool.\n\nChannel 1: with.\n\nChannel 0: Now when you get to that last page on kind of 32, 33, there is kind of three boxes. You'll see a signature box and a date box. That's pretty much all we need. The one above\n\nChannel 1: Yep.\n\nChannel 0: it is just if you wanna vary the recommendations and change what we put in place.\n\nChannel 1: No. That should be okay. So yeah. No. That's alright.\n\nI'll I'll have a bit of a a a look through with my wife when when we've hung up, and we'll then I'll get that through to you.\n\nChannel 0: Done. Just a heads up, there's kind of automated weekly reminders for the email just so it pops to the top of top of your inbox.\n\nChannel 1: Yep.\n\nChannel 0: Is there anything else you can think of that I can help you with over the next couple of weeks, couple of months?\n\nChannel 1: I don't think so. I think everything's sort of hey. It just off the top of your head and sort of, I guess, simplify it like I'm a grade five is where I'm at now, is that exactly where sort of we were projected to be, let's say, a year or two ago when we started? Is it like because, I mean, I see we're at about two twenty six mark roughly. I think even, like, a year ago or two years ago, I think I was around the one forty, one sixty.\n\nSo I guess I'm I'm thinking of it as good, but, like, I guess, in layman's terms, are we doing well?\n\nChannel 0: That is not the easiest question to answer, but I do have some information. I'm just pulling up your your hub account because this gives me a bit of, like, a since you started track record here.\n\nChannel 1: Sure.\n\nChannel 0: So you know how I said that you wanna kind of aim for that percent average?\n\nChannel 1: Yeah.\n\nChannel 0: We've hit 41 over let's call it three and a half years. So we go 41, part of it, the old 3.5. So we've just cleared just under 12% after fees for random for the last three years, so above the\n\nChannel 1: That's\n\nChannel 0: benchmark,\n\nChannel 1: good.\n\nChannel 0: which is great.\n\nChannel 1: Yeah. Okay. So that's so we're tracking well.\n\nChannel 0: Yeah. And this will will track it better too because it was a little bit flat this year with the double market crash in March and then last month and\n\nChannel 1: Yep.\n\nChannel 0: couple of those options that we wanna switch out to. So the next time that you see the stock market goes up, you should start to see it kind of soar back up 170, 180 pretty quickly. Unfortunately, if the world explodes and we go through a recession, you'll see it tumble down to $1.35 and then back up to 200 a couple of years later. That's kind\n\nChannel 1: Yep.\n\nChannel 0: of the roller coaster of being in growth.\n\nChannel 1: No. That's right. And, look, I I understand. Like, the money I I try not to get too hung up on, you know, the, I guess, the losses because it's not your money until you take it out. You know what I mean?\n\nLike, it's yeah. You can look at it and go, I've lost such and such in shares. But until you're actually willing to take the money out, it's it's not you haven't lost anything. It's just that if you're if you have to take the money out then and there, then you've made a loss.\n\nChannel 0: That's right. I mean, that's a good way to put it is if you have 10 properties and they go down in value, is that a a reason to rush up and sell them for a loss and crystallize it? Or do you go, oh, I'll pick up another one for a cheaper price. Now I've got 11. And then when\n\nChannel 1: Yay.\n\nChannel 0: the market goes up, all 11 properties all go up together. It's kind of like each one's a brick, if that makes sense.\n\nChannel 1: That's that's right. So yeah. No. That's good. So I I'm glad to hear that we're doing around that 12%.\n\nThat's above, I guess, what what do I say? The a ASX or that's around the eight or 9%, isn't it?\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: there's a couple of things to track. So you've got the all ordinaries, which you're you're beating that. That's at 35 over three years instead of 41. The ASX, we can have a little look at that one too. See how that's look for three years.\n\nWe get 2023 and May. That's only up 21% for three and a half years, so quite a bit below. The main thing that we compare to as well is to all the other super funds. We need to make\n\nChannel 1: Yeah.\n\nChannel 0: sure that if you're gonna pay an adviser fee, that we're trying to get you something that consistently gets you above what everyone else is doing to justify the cost. It's not always going to be in a three month period, the top one, if that makes sense. But, basically,\n\nChannel 1: Yep. Yes.\n\nChannel 0: if we can get you an extra 2% per annum for ten, twenty years, that'll compound to an extra few 100,000 in retirement. That's the end of\n\nChannel 1: Yeah.\n\nChannel 0: the game.\n\nChannel 1: That's right. Yeah. No. So that's that's good. No.\n\nThank you. I really appreciate you taking the time, Tommy. And did you say you earlier that you're on parental leave?\n\nChannel 0: Yeah. I just had my third little little girl there for the two boys, and\n\nChannel 1: We're we're\n\nChannel 0: I'm suddenly\n\nChannel 1: expecting\n\nChannel 0: just\n\nChannel 1: the\n\nChannel 0: gotten\n\nChannel 1: same\n\nChannel 0: back.\n\nChannel 1: in February. So we've got a little girl coming for our two boys as well. So, yeah, that's in that's early next year.\n\nChannel 0: Oh, Hamish, that's amazing. So I just got a bit of a present from the company today, a little little onesie for the baby with a brand new branding on it. So I'm gonna do a photo shoot now. It'll be up on the Facebook. But, no, the the boys absolutely love her.\n\nShe's just smiling nonstop. They won't stop trying to make her laugh, and, obviously, that's getting us now because they won't stop kissing her face. And,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you know, I've got a seven and a three year old, so they're always constantly, let me pick her up. Let me pick her up.\n\nChannel 1: Six\n\nChannel 0: And\n\nChannel 1: and two.\n\nChannel 0: yeah.\n\nChannel 1: So yeah. No. We won't be that far dissimilar situations, really. So congratulations.\n\nChannel 0: Alright. Thank you very much, and congratulations to you guys as well.\n\nChannel 1: Yeah. Thank you. But, no, that's that's pretty much I think that's pretty much cleared most things up for me. Thank you for taking the time.\n\nChannel 0: That's okay. From now so I'll pretty much be looking after you as your your main point of contact, but you've obviously got Dana, Larissa, Jenna, all the other advisers here as well.\n\nChannel 1: Yep.\n\nChannel 0: Main question I have for you, though, was we've got the next annual review scheduled in. Do you want me to pencil in anything before the next review? What's your, like, contact preference?\n\nChannel 1: No. I reckon at this point, we'll we'll keep it at the year. I know I struggle for some reason to be gotten a hold of by your team. I think I always keep getting these missed calls going, can you get in touch with us? And every time I try, it's just because I'm in between WA and South Australia, the time well, I'll I'll get to 03:00 in in WA and be, oh, great.\n\nI'll call. No. That's 05:00 or 06:00 your time. And I'm like, I guess I'll try again tomorrow, then you forget. No.\n\nSo let's\n\nChannel 0: Yeah.\n\nChannel 1: let's keep it in a year for now.\n\nChannel 0: Okay. If anything else does pop up in your life and and you want some help, just give us a call. It's\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Beautiful.\n\nChannel 0: that easy, and we'll schedule in. And whether it's email or or phone, we'll we'll do our best.\n\nChannel 1: Yeah. Awesome. Thanks, Tommy. I really appreciate it.\n\nChannel 0: Awesome, mate. I'll just send you the usual kind of feedback tech. Anything\n\nChannel 1: Yep.\n\nChannel 0: would be appreciated, and we'll get all this implemented as soon as we get it back signed.\n\nChannel 1: Awesome, mate. Well, I'll certainly endeavor to sign it today, so I'll get it back to you.\n\nChannel 0: Easy done, Hamish. Have a fantastic week, and congrats again.\n\nChannel 1: Thank you, and and to you. So all the best, mate. Cheers.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.88,"sentiment":"neutral","sentiment_score":0.03190596029162407},{"text":"Henry speaking.","start":0.88,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.028472927398979664}],"sentiment":"neutral","sentiment_score":0.029617271696527798,"channel":1,"num_words":3,"start":0.39999998,"end":1.6999999},{"sentences":[{"text":"Good afternoon, Hamish.","start":2.48,"end":3.6799998,"sentiment":"positive","sentiment_score":0.3449876507123311},{"text":"It's Tommy here from Oakview, mate.","start":3.6799998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2361127957701683},{"text":"How are you doing?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.24491949379444122}],"sentiment":"neutral","sentiment_score":0.26394751553352064,"channel":0,"num_words":13,"start":2.48,"end":6.02},{"sentences":[{"text":"Good.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.4463176727294922},{"text":"Thanks, Tommy.","start":6.3199997,"end":7.04,"sentiment":"positive","sentiment_score":0.4776659607887268},{"text":"How's yourself?","start":7.04,"end":7.7,"sentiment":"neutral","sentiment_score":0.21855200082063675}],"sentiment":"positive","sentiment_score":0.36775071918964386,"channel":1,"num_words":5,"start":6.0,"end":7.7},{"sentences":[{"text":"Hey.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.16156411170959473},{"text":"It's been a beautiful day on the Gold Coast.","start":8.559999,"end":10.32,"sentiment":"positive","sentiment_score":0.4525773856374953},{"text":"What about your rent?","start":10.32,"end":11.46,"sentiment":"neutral","sentiment_score":0.05610408168286085}],"sentiment":"neutral","sentiment_score":0.3185126363698925,"channel":0,"num_words":14,"start":8.24,"end":11.46},{"sentences":[{"text":"Yeah.","start":12.415,"end":12.735001,"sentiment":"neutral","sentiment_score":0.05927480012178421},{"text":"Not a bad day.","start":12.735001,"end":13.775001,"sentiment":"neutral","sentiment_score":0.07473320327699184},{"text":"It's fairly warm in South Australia, but it's a little bit overcast, a little bit muggy.","start":13.775001,"end":18.095001,"sentiment":"neutral","sentiment_score":-0.003121750123682432},{"text":"So it's probably what more you're used to, but a bit different for us.","start":18.095001,"end":22.035,"sentiment":"neutral","sentiment_score":-0.02406302174287183}],"sentiment":"neutral","sentiment_score":-0.0008177912328392267,"channel":1,"num_words":35,"start":12.415,"end":22.035},{"sentences":[{"text":"You guys.","start":23.135,"end":23.795,"sentiment":"neutral","sentiment_score":-0.005376989953219891},{"text":"I was just wondering if you still had a bit of time to go through that advice strategy that we had ready for you.","start":24.19,"end":29.490002,"sentiment":"neutral","sentiment_score":0.02055855297173063}],"sentiment":"neutral","sentiment_score":0.018563511208272897,"channel":0,"num_words":26,"start":23.135,"end":29.490002},{"sentences":[{"text":"Yes.","start":29.77,"end":30.09,"sentiment":"neutral","sentiment_score":0.12428764998912813},{"text":"Yeah.","start":30.09,"end":30.25,"sentiment":"neutral","sentiment_score":0.1872461438179016},{"text":"That'll be good.","start":30.25,"end":31.15,"sentiment":"positive","sentiment_score":0.42760051290194195}],"sentiment":"neutral","sentiment_score":0.31886706650257113,"channel":1,"num_words":5,"start":29.77,"end":31.15},{"sentences":[{"text":"Perfect.","start":31.630001,"end":32.11,"sentiment":"positive","sentiment_score":0.4907110333442688},{"text":"So before I jump into it, I will be emailing it out to you just so you can as well.","start":32.11,"end":38.115,"sentiment":"neutral","sentiment_score":0.15822462402284146},{"text":"Will you get a 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to see how it kinda goes 80%, 84, 86.","start":874.485,"end":884.265,"sentiment":"neutral","sentiment_score":0.1388459639115767}],"sentiment":"neutral","sentiment_score":0.2255958043179422,"channel":0,"num_words":53,"start":868.60004,"end":884.265},{"sentences":[{"text":"Yep.","start":884.79004,"end":885.29004,"sentiment":"neutral","sentiment_score":0.0975612998008728}],"sentiment":"neutral","sentiment_score":0.0975612998008728,"channel":1,"num_words":1,"start":884.79004,"end":885.29004},{"sentences":[{"text":"That's basically your risk profile.","start":885.605,"end":887.20496,"sentiment":"neutral","sentiment_score":0.06997000724077225},{"text":"You need 80 to 90% growth assets or to be a growth investor.","start":887.20496,"end":891.71,"sentiment":"neutral","sentiment_score":0.08145688560146552},{"text":"So that's shares, property, and gold.","start":891.77,"end":893.55005,"sentiment":"neutral","sentiment_score":0.12870098277926445},{"text":"You're sitting at 84.","start":893.61005,"end":894.99005,"sentiment":"neutral","sentiment_score":0.13320282846689224},{"text":"Once we move funds from I, double f, into hub, you'll be sitting at 86.","start":895.05005,"end":898.81006,"sentiment":"neutral","sentiment_score":0.13955446978410085}],"sentiment":"neutral","sentiment_score":0.1117935768913391,"channel":0,"num_words":43,"start":885.605,"end":898.81006},{"sentences":[{"text":"So pretty much smack bang in the 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100%.","start":903.605,"end":910.425,"sentiment":"neutral","sentiment_score":0.15991161115791486}],"sentiment":"neutral","sentiment_score":0.16233779053235875,"channel":0,"num_words":29,"start":902.01,"end":910.425},{"sentences":[{"text":"Okay.","start":911.20996,"end":911.61,"sentiment":"neutral","sentiment_score":0.15996816754341123},{"text":"Yep.","start":911.61,"end":912.11,"sentiment":"neutral","sentiment_score":0.20764118432998657}],"sentiment":"neutral","sentiment_score":0.1838046759366989,"channel":1,"num_words":2,"start":911.20996,"end":912.11},{"sentences":[{"text":"Cool.","start":912.565,"end":913.065,"sentiment":"positive","sentiment_score":0.3755379915237427},{"text":"That's pretty much it.","start":913.765,"end":914.885,"sentiment":"neutral","sentiment_score":0.2409389428794384},{"text":"Everything for the rest of this document is a reminder on why you should have a will power of attorney in place.","start":914.885,"end":920.82996,"sentiment":"neutral","sentiment_score":0.15114340736446055},{"text":"Some disclaimers at the back that we do have a sixty day expiry for the documents.","start":921.85,"end":927.31,"sentiment":"neutral","sentiment_score":-0.12752355448901653},{"text":"If you wanna, you know, if you do sign off on this and you wanna revert it, there's a fourteen day cooling off period, and then we've got our fees relisted at the bottom of the document too.","start":928.08997,"end":937.115,"sentiment":"neutral","sentiment_score":-0.03718275310300095}],"sentiment":"neutral","sentiment_score":0.014952188090386766,"channel":0,"num_words":81,"start":912.565,"end":937.115},{"sentences":[{"text":"No worries.","start":937.62,"end":938.36,"sentiment":"neutral","sentiment_score":0.0922701396048069}],"sentiment":"neutral","sentiment_score":0.0922701396048069,"channel":1,"num_words":2,"start":937.62,"end":938.36},{"sentences":[{"text":"From here, basically, if you're happy with it, once you sign, we will jump online over Friday, do the investment trades and","start":939.495,"end":946.11,"sentiment":"neutral","sentiment_score":0.19246263497255064}],"sentiment":"neutral","sentiment_score":0.19246263497255064,"channel":0,"num_words":22,"start":939.495,"end":946.11},{"sentences":[{"text":"No.","start":954.005,"end":954.16504,"sentiment":"neutral","sentiment_score":0.031011682003736496},{"text":"That's fine.","start":954.16504,"end":954.98505,"sentiment":"neutral","sentiment_score":0.13022127375006676},{"text":"So have I is the will is that factored in sorry.","start":956.245,"end":961.92505,"sentiment":"neutral","sentiment_score":0.019899885889820078},{"text":"You probably covered it, but is the will will factored into the current fees and sort of, like, fees?","start":961.92505,"end":973.63,"sentiment":"neutral","sentiment_score":-0.0050654270637192226},{"text":"Yes.","start":973.63,"end":974.11,"sentiment":"neutral","sentiment_score":0.027428679168224335}],"sentiment":"neutral","sentiment_score":0.012986427624983823,"channel":1,"num_words":34,"start":954.005,"end":974.11},{"sentences":[{"text":"Fees for for the for you guys?","start":974.11,"end":976.85,"sentiment":"neutral","sentiment_score":0.042229956814220974}],"sentiment":"neutral","sentiment_score":0.042229956814220974,"channel":1,"num_words":7,"start":974.11,"end":976.85},{"sentences":[{"text":"Great","start":977.74,"end":977.98004,"sentiment":"neutral","sentiment_score":0.22707483172416687}],"sentiment":"neutral","sentiment_score":0.22707483172416687,"channel":0,"num_words":1,"start":977.74,"end":977.98004},{"sentences":[{"text":"Or","start":977.87,"end":978.37,"sentiment":"neutral","sentiment_score":0.1463666707277298}],"sentiment":"neutral","sentiment_score":0.1463666707277298,"channel":1,"num_words":1,"start":977.87,"end":978.37},{"sentences":[{"text":"question.","start":977.98004,"end":978.48004,"sentiment":"neutral","sentiment_score":0.14941075444221497},{"text":"So everything that we do, investments, budgeting, debt management, insurance, everything gets factored into those fees.","start":978.62,"end":986.115,"sentiment":"neutral","sentiment_score":0.14588746521621943},{"text":"And no matter","start":986.27496,"end":986.83496,"sentiment":"neutral","sentiment_score":0.07751581569512685}],"sentiment":"neutral","sentiment_score":0.1358078822493553,"channel":0,"num_words":20,"start":977.98004,"end":986.83496},{"sentences":[{"text":"Yep.","start":986.59503,"end":987.09503,"sentiment":"neutral","sentiment_score":0.14781565964221954}],"sentiment":"neutral","sentiment_score":0.14781565964221954,"channel":1,"num_words":1,"start":986.59503,"end":987.09503},{"sentences":[{"text":"how many times we do offer new strategy or plan, unless you're doing something really big, there's no further charges.","start":986.83496,"end":992.695,"sentiment":"neutral","sentiment_score":0.19726619087159633},{"text":"The only thing that we can't do is we're not lawyers, so we can't set up a 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brochures through to you.","start":1021.065,"end":1030.6699,"sentiment":"neutral","sentiment_score":0.1523495746983422},{"text":"If you do just wanna put something simple in place, like I said, Australia Post has government approval kits for $25 a pop and","start":1030.97,"end":1038.2699,"sentiment":"neutral","sentiment_score":0.15304813099404177}],"sentiment":"neutral","sentiment_score":0.15267830707278907,"channel":0,"num_words":51,"start":1021.065,"end":1038.2699},{"sentences":[{"text":"Oh, okay.","start":1037.995,"end":1038.635,"sentiment":"neutral","sentiment_score":0.21151578426361084}],"sentiment":"neutral","sentiment_score":0.21151578426361084,"channel":1,"num_words":2,"start":1037.995,"end":1038.635},{"sentences":[{"text":"also","start":1038.33,"end":1038.73,"sentiment":"neutral","sentiment_score":0.2413037270307541}],"sentiment":"neutral","sentiment_score":0.2413037270307541,"channel":0,"num_words":1,"start":1038.33,"end":1038.73},{"sentences":[{"text":"Cool.","start":1038.635,"end":1039.135,"sentiment":"neutral","sentiment_score":0.2699715495109558}],"sentiment":"neutral","sentiment_score":0.2699715495109558,"channel":1,"num_words":1,"start":1038.635,"end":1039.135},{"sentences":[{"text":"for the power of attorney as well for, you 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something.","start":1041.2899,"end":1042.835,"sentiment":"neutral","sentiment_score":0.010146995540708303}],"sentiment":"neutral","sentiment_score":0.010146995540708303,"channel":0,"num_words":6,"start":1041.2899,"end":1042.835},{"sentences":[{"text":"Yeah.","start":1043.755,"end":1043.995,"sentiment":"neutral","sentiment_score":-0.01583637297153473},{"text":"No.","start":1043.995,"end":1044.235,"sentiment":"neutral","sentiment_score":-0.08964689075946808},{"text":"Sorry.","start":1044.235,"end":1044.555,"sentiment":"neutral","sentiment_score":-0.12990263104438782},{"text":"I'm not looking to that one, actually, to 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box.","start":1055.16,"end":1058.54,"sentiment":"neutral","sentiment_score":0.12195944206582175},{"text":"That's pretty much all we need.","start":1058.76,"end":1060.4601,"sentiment":"neutral","sentiment_score":0.2849825272957484},{"text":"The one above","start":1060.52,"end":1061.16,"sentiment":"neutral","sentiment_score":0.1106192022562027}],"sentiment":"neutral","sentiment_score":0.11946348674796722,"channel":0,"num_words":37,"start":1048.335,"end":1061.16},{"sentences":[{"text":"Yep.","start":1061.03,"end":1061.53,"sentiment":"neutral","sentiment_score":0.15796884894371033}],"sentiment":"neutral","sentiment_score":0.15796884894371033,"channel":1,"num_words":1,"start":1061.03,"end":1061.53},{"sentences":[{"text":"it is just if you wanna vary the recommendations and change what we put in 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wife when when we've hung up, and we'll then I'll get that through to you.","start":1070.0549,"end":1078.395,"sentiment":"neutral","sentiment_score":0.3086614901466029}],"sentiment":"neutral","sentiment_score":0.3086614901466029,"channel":1,"num_words":28,"start":1070.0549,"end":1078.395},{"sentences":[{"text":"Done.","start":1079.095,"end":1079.595,"sentiment":"positive","sentiment_score":0.4073671102523804},{"text":"Just a heads up, there's kind of automated weekly reminders for the email just so it pops to the top of top of your inbox.","start":1079.6549,"end":1085.72,"sentiment":"positive","sentiment_score":0.45448894500732423}],"sentiment":"positive","sentiment_score":0.45267656674751866,"channel":0,"num_words":26,"start":1079.095,"end":1085.72},{"sentences":[{"text":"Yep.","start":1086.06,"end":1086.56,"sentiment":"positive","sentiment_score":0.4104888141155243}],"sentiment":"positive","sentiment_score":0.4104888141155243,"channel":1,"num_words":1,"start":1086.06,"end":1086.56},{"sentences":[{"text":"Is there anything else you can think of that I can help you with over the next couple of weeks, couple of months?","start":1086.58,"end":1091.08,"sentiment":"positive","sentiment_score":0.4834724548070327}],"sentiment":"positive","sentiment_score":0.4834724548070327,"channel":0,"num_words":23,"start":1086.58,"end":1091.08},{"sentences":[{"text":"I don't think so.","start":1092.22,"end":1093.275,"sentiment":"neutral","sentiment_score":-0.16066126711666584},{"text":"I think everything's sort of 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guess, in layman's terms, are we doing well?","start":1127.2251,"end":1132.6051,"sentiment":"neutral","sentiment_score":0.2336567406143461}],"sentiment":"neutral","sentiment_score":0.2336567406143461,"channel":1,"num_words":21,"start":1127.2251,"end":1132.6051},{"sentences":[{"text":"That is not the easiest question to answer, but I do have some information.","start":1135.06,"end":1139.88,"sentiment":"neutral","sentiment_score":-0.07447356783917972},{"text":"I'm just pulling up your your hub account because this gives me a bit of, like, a since you started track record 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congratulations.","start":1381.015,"end":1381.995,"sentiment":"positive","sentiment_score":0.35285793244838715}],"sentiment":"neutral","sentiment_score":0.05784239075504816,"channel":1,"num_words":13,"start":1377.015,"end":1381.995},{"sentences":[{"text":"Alright.","start":1382.98,"end":1383.22,"sentiment":"positive","sentiment_score":0.365265816450119},{"text":"Thank you very much, and congratulations to you guys as well.","start":1383.22,"end":1386.0399,"sentiment":"positive","sentiment_score":0.6225699565627358}],"sentiment":"positive","sentiment_score":0.6011279448866844,"channel":0,"num_words":12,"start":1382.98,"end":1386.0399},{"sentences":[{"text":"Yeah.","start":1386.2949,"end":1386.615,"sentiment":"neutral","sentiment_score":0.2049365341663361},{"text":"Thank you.","start":1386.615,"end":1387.355,"sentiment":"neutral","sentiment_score":0.32069137692451477},{"text":"But, no, that's that's pretty much I think that's pretty much cleared most things up for me.","start":1387.815,"end":1393.25,"sentiment":"neutral","sentiment_score":0.15354068051366246},{"text":"Thank you for taking the time.","start":1393.25,"end":1394.7101,"sentiment":"positive","sentiment_score":0.4588627467552821}],"sentiment":"neutral","sentiment_score":0.2388341283568969,"channel":1,"num_words":26,"start":1386.2949,"end":1394.7101},{"sentences":[{"text":"That's okay.","start":1395.1399,"end":1395.96,"sentiment":"neutral","sentiment_score":0.24225462973117828},{"text":"From now so I'll pretty much be looking after you as your your main point of contact, but you've obviously got Dana, Larissa, Jenna, all the other advisers here as well.","start":1396.975,"end":1406.115,"sentiment":"neutral","sentiment_score":0.12045784510912434}],"sentiment":"neutral","sentiment_score":0.12783946841955185,"channel":0,"num_words":33,"start":1395.1399,"end":1406.115},{"sentences":[{"text":"Yep.","start":1406.515,"end":1407.015,"sentiment":"neutral","sentiment_score":0.036447059363126755}],"sentiment":"neutral","sentiment_score":0.036447059363126755,"channel":1,"num_words":1,"start":1406.515,"end":1407.015},{"sentences":[{"text":"Main question I have for you, though, was we've got the next annual review scheduled in.","start":1407.135,"end":1411.48,"sentiment":"neutral","sentiment_score":0.02035756566328928},{"text":"Do you want me to pencil in anything before the next review?","start":1411.7,"end":1415.32,"sentiment":"neutral","sentiment_score":0.004405925516039133},{"text":"What's your, like, contact preference?","start":1415.38,"end":1417.16,"sentiment":"neutral","sentiment_score":0.0004164823796600103}],"sentiment":"neutral","sentiment_score":0.011535592991012063,"channel":0,"num_words":33,"start":1407.135,"end":1417.16},{"sentences":[{"text":"No.","start":1419.02,"end":1419.26,"sentiment":"neutral","sentiment_score":-0.07788228243589401},{"text":"I reckon at this point, we'll we'll keep it at the year.","start":1419.26,"end":1421.92,"sentiment":"neutral","sentiment_score":-0.05835486048211654},{"text":"I know I struggle for some reason to be gotten a hold of by your team.","start":1422.9401,"end":1428.8,"sentiment":"neutral","sentiment_score":-0.10620547784492373},{"text":"I think I always keep getting these missed calls going, can you get in touch with us?","start":1431.265,"end":1434.785,"sentiment":"neutral","sentiment_score":-0.03151821542312117},{"text":"And every time I try, it's just because I'm in between WA and South Australia, the time well, I'll I'll get to 03:00 in in WA and be, oh, great.","start":1434.785,"end":1444.2251,"sentiment":"neutral","sentiment_score":0.008964795743425687}],"sentiment":"neutral","sentiment_score":-0.036109132153031076,"channel":1,"num_words":76,"start":1419.02,"end":1444.2251},{"sentences":[{"text":"I'll call.","start":1444.2251,"end":1444.885,"sentiment":"neutral","sentiment_score":0.07059431821107864},{"text":"No.","start":1445.025,"end":1445.4,"sentiment":"neutral","sentiment_score":-0.14373819530010223},{"text":"That's 05:00 or 06:00 your time.","start":1445.72,"end":1447.9601,"sentiment":"neutral","sentiment_score":-0.16391530136267343},{"text":"And I'm like, I guess I'll try again tomorrow, then you forget.","start":1447.9601,"end":1451.64,"sentiment":"neutral","sentiment_score":-0.1492286225159963},{"text":"No.","start":1451.64,"end":1452.14,"sentiment":"neutral","sentiment_score":-0.058807674795389175}],"sentiment":"neutral","sentiment_score":-0.1288905687291514,"channel":1,"num_words":22,"start":1444.2251,"end":1452.14},{"sentences":[{"text":"So let's","start":1452.28,"end":1452.6,"sentiment":"neutral","sentiment_score":-0.025821716524660587}],"sentiment":"neutral","sentiment_score":-0.025821716524660587,"channel":1,"num_words":2,"start":1452.28,"end":1452.6},{"sentences":[{"text":"Yeah.","start":1452.595,"end":1453.095,"sentiment":"neutral","sentiment_score":-0.00830575916916132}],"sentiment":"neutral","sentiment_score":-0.00830575916916132,"channel":0,"num_words":1,"start":1452.595,"end":1453.095},{"sentences":[{"text":"let's keep it in a year for now.","start":1452.6,"end":1454.3,"sentiment":"neutral","sentiment_score":0.00473571359179914}],"sentiment":"neutral","sentiment_score":0.00473571359179914,"channel":1,"num_words":8,"start":1452.6,"end":1454.3},{"sentences":[{"text":"Okay.","start":1454.835,"end":1455.335,"sentiment":"neutral","sentiment_score":0.0804179459810257},{"text":"If anything else does pop up in your life and and you want some help, just give us a call.","start":1456.035,"end":1460.0549,"sentiment":"neutral","sentiment_score":0.12787315398454666},{"text":"It's","start":1460.355,"end":1460.515,"sentiment":"neutral","sentiment_score":0.23815958201885223}],"sentiment":"neutral","sentiment_score":0.1307291185314005,"channel":0,"num_words":22,"start":1454.835,"end":1460.515},{"sentences":[{"text":"Yeah.","start":1460.415,"end":1460.655,"sentiment":"neutral","sentiment_score":0.3035576045513153}],"sentiment":"neutral","sentiment_score":0.3035576045513153,"channel":1,"num_words":1,"start":1460.415,"end":1460.655},{"sentences":[{"text":"just","start":1460.515,"end":1460.755,"sentiment":"positive","sentiment_score":0.5830092430114746}],"sentiment":"positive","sentiment_score":0.5830092430114746,"channel":0,"num_words":1,"start":1460.515,"end":1460.755},{"sentences":[{"text":"Beautiful.","start":1460.655,"end":1461.155,"sentiment":"positive","sentiment_score":0.6706054210662842}],"sentiment":"positive","sentiment_score":0.6706054210662842,"channel":1,"num_words":1,"start":1460.655,"end":1461.155},{"sentences":[{"text":"that easy, and we'll schedule in.","start":1460.755,"end":1462.115,"sentiment":"neutral","sentiment_score":0.32624047125379246},{"text":"And whether it's email or or phone, we'll we'll do our best.","start":1462.115,"end":1464.79,"sentiment":"neutral","sentiment_score":0.2506115889797608}],"sentiment":"neutral","sentiment_score":0.275821216404438,"channel":0,"num_words":18,"start":1460.755,"end":1464.79},{"sentences":[{"text":"Yeah.","start":1465.055,"end":1465.295,"sentiment":"positive","sentiment_score":0.47530674934387207},{"text":"Awesome.","start":1465.295,"end":1465.6951,"sentiment":"positive","sentiment_score":0.8132766485214233},{"text":"Thanks, Tommy.","start":1465.6951,"end":1466.335,"sentiment":"positive","sentiment_score":0.8516053855419159},{"text":"I really appreciate it.","start":1466.335,"end":1467.555,"sentiment":"positive","sentiment_score":0.8600649982690811}],"sentiment":"positive","sentiment_score":0.8040067702531815,"channel":1,"num_words":8,"start":1465.055,"end":1467.555},{"sentences":[{"text":"Awesome, mate.","start":1467.65,"end":1468.29,"sentiment":"positive","sentiment_score":0.7986293137073517},{"text":"I'll just send you the usual kind of feedback tech.","start":1468.29,"end":1470.63,"sentiment":"positive","sentiment_score":0.4531427502632141},{"text":"Anything","start":1471.01,"end":1471.41,"sentiment":"neutral","sentiment_score":0.2555135488510132}],"sentiment":"positive","sentiment_score":0.4910922829921429,"channel":0,"num_words":13,"start":1467.65,"end":1471.41},{"sentences":[{"text":"Yep.","start":1471.215,"end":1471.715,"sentiment":"neutral","sentiment_score":0.25170427560806274}],"sentiment":"neutral","sentiment_score":0.25170427560806274,"channel":1,"num_words":1,"start":1471.215,"end":1471.715},{"sentences":[{"text":"would be appreciated, and we'll get all this implemented as soon as we get it back signed.","start":1471.41,"end":1476.07,"sentiment":"positive","sentiment_score":0.44965799415812774}],"sentiment":"positive","sentiment_score":0.44965799415812774,"channel":0,"num_words":17,"start":1471.41,"end":1476.07},{"sentences":[{"text":"Awesome, mate.","start":1476.31,"end":1476.9501,"sentiment":"positive","sentiment_score":0.7368043065071106},{"text":"Well, I'll certainly endeavor to sign it today, so I'll get it back to you.","start":1476.9501,"end":1480.65,"sentiment":"positive","sentiment_score":0.5974265456199646}],"sentiment":"positive","sentiment_score":0.6138239292537465,"channel":1,"num_words":17,"start":1476.31,"end":1480.65},{"sentences":[{"text":"Easy done, Hamish.","start":1480.845,"end":1481.6449,"sentiment":"positive","sentiment_score":0.8006768027941386},{"text":"Have a fantastic week, and congrats again.","start":1481.6449,"end":1483.825,"sentiment":"positive","sentiment_score":0.8415940999984741}],"sentiment":"positive","sentiment_score":0.8293189108371735,"channel":0,"num_words":10,"start":1480.845,"end":1483.825},{"sentences":[{"text":"Thank you, and and to you.","start":1484.1069,"end":1485.3069,"sentiment":"positive","sentiment_score":0.775219569603602},{"text":"So all the best, mate.","start":1485.3069,"end":1486.1069,"sentiment":"positive","sentiment_score":0.6580348610877991},{"text":"Cheers.","start":1486.1069,"end":1486.6069,"sentiment":"positive","sentiment_score":0.6451203227043152}],"sentiment":"positive","sentiment_score":0.7155510038137436,"channel":1,"num_words":12,"start":1484.1069,"end":1486.6069},{"sentences":[{"text":"Thank you.","start":1487.005,"end":1487.565,"sentiment":"positive","sentiment_score":0.6623677611351013},{"text":"Bye.","start":1487.565,"end":1488.065,"sentiment":"positive","sentiment_score":0.3342730700969696}],"sentiment":"positive","sentiment_score":0.5530028641223907,"channel":0,"num_words":3,"start":1487.005,"end":1488.065},{"sentences":[{"text":"Alright.","start":1488.2668,"end":1488.5869,"sentiment":"neutral","sentiment_score":0.18194173276424408},{"text":"Bye.","start":1488.5869,"end":1489.0869,"sentiment":"neutral","sentiment_score":-0.1076141744852066}],"sentiment":"neutral","sentiment_score":0.03716377913951874,"channel":1,"num_words":2,"start":1488.2668,"end":1489.0869}]},"summary":{"result":"success","short":"The representative from Oakview recommends the company's digital system and emphasizes the importance of balancing asset and risk profiles. They provide guidance on hiring and retirement plans, as well as updates on various topics including cash flow, budgeting, property, and retirement plans. The speaker emphasizes the need for a top-up rollover and provides information on fee comparison and capital gains tax. The investment table and asset allocation pie chart are discussed, as well as the importance of having a will power of attorney for future reference. The speaker emphasizes the importance of taking out money from a portfolio and mentions upcoming baby and preference for their advisers. The speaker also discusses the stock market's recent dip and the importance of keeping money in retirement."},"intents":{"segments":[{"text":"I was just wondering if you still had a bit of time to go through that advice strategy that we had ready for you. Yes. Yeah.","start_word":72,"end_word":97,"intents":[{"intent":"Discuss advice strategy","confidence_score":0.018433902}]},{"text":"feel like that is a misspelling of Prado or potentially A Pajero, the type I think, of car, would probably a Sierra. be the I guess they've they've they've made that error. Okay.","start_word":1036,"end_word":1068,"intents":[{"intent":"Clarify mispelling","confidence_score":0.101431966},{"intent":"Clarify mispelling","confidence_score":0.108446464}]},{"text":"So They I'll they get they've the correct probably brand gone thing I and couldn't then remember if it was a Pajero or product, and they probably just and they're just Splice gone the with two the plain. together.","start_word":1069,"end_word":1107,"intents":[{"intent":"Clarify product type","confidence_score":0.036744118}]},{"text":"With the Hub 24 I, double o, f, I've just included in there the type of platforms they are because Hub has a number of different Yep. funds, so does I, double o, f. So that way, you kind of know exactly which one you Sure.","start_word":1129,"end_word":1174,"intents":[{"intent":"Include platforms","confidence_score":0.064114325}]},{"text":"Still primarily focused on long term growth, but not high risk. Yep.","start_word":1229,"end_word":1240,"intents":[{"intent":"Discuss long-term growth","confidence_score":0.16062923}]},{"text":"If you go down two more pages for me, you'll see a lovely big wall of text under strategy recommendations, Yep. blue heading.","start_word":1242,"end_word":1264,"intents":[{"intent":"Discuss strategy recommendations","confidence_score":0.388813}]},{"text":"So the main crux of what we're looking at here is a bit of a top up rollover from IWF. We Yep.","start_word":1265,"end_word":1286,"intents":[{"intent":"Discuss top up rollover","confidence_score":0.12420556}]},{"text":"We do have a few updates to the investments as well.","start_word":1329,"end_word":1339,"intents":[{"intent":"Update investments","confidence_score":0.13381743}]},{"text":"Basically, what we're trying to do is balance the asset allocation between the two funds, make sure it's still in line with the growth risk profile. Okay.","start_word":1341,"end_word":1367,"intents":[{"intent":"Intends to update asset allocation","confidence_score":4.5757758e-7}]},{"text":"So the short of these two tables is in terms of pros, we found some lower fee investments with better performance. We're able to kind of update what's kind of going on around the world just in terms of Australian shares and international and what's going on with legislation changes. And Yep.","start_word":1388,"end_word":1439,"intents":[{"intent":"Intends to explain benefits of higher fee investments","confidence_score":0.0010336428},{"intent":"Intends to explain higher fees","confidence_score":0.0039450554},{"intent":"Intends to clarify information","confidence_score":0.011361272}]},{"text":"We do have factored in a little bit of capital gains tax under the hood because whenever you change investments inside super, they kind of pay like an internal tax rate, and we can kind Yep. of have a bit of control over what we buy and sell. Okay.","start_word":1472,"end_word":1520,"intents":[{"intent":"Intends to outline changes in investments","confidence_score":0.0000020725972}]},{"text":"Now if you swing down past there, you'll see a table on page sort of sixteen, seventeen called fee comparison. Comparison.","start_word":1521,"end_word":1541,"intents":[{"intent":"Intends to discuss information on fee comparison","confidence_score":0.000011910132},{"intent":"Intends to suggest comparing investments","confidence_score":0.00007771789},{"intent":"Intends to recommend comparison","confidence_score":0.0067549604},{"intent":"Intends to explain comparison","confidence_score":0.011240713}]},{"text":"savings of investment fees with the new Yep. options that we've picked.","start_word":1670,"end_word":1681,"intents":[{"intent":"Intends to indicate cost savings","confidence_score":0.00058076787}]},{"text":"We have a bit of a new structure that's in place as well. So everyone above 200,000, we're giving kind of tiered fee discounts from 2 to 500,000 now. And from 500,000 to a million, we're dropping a few more as well. So once we get through, we'll kind of organize updated consent forms for you and start Yep. to apply discounts as well. Very good.","start_word":1740,"end_word":1805,"intents":[{"intent":"Explaining plans","confidence_score":0.00016105596}]},{"text":"At the bottom there, so the main thing for you is growth risk profile aim for an average of around about 9% after fees as a benchmark. Some years, Yep. it's up fifteen twenty. Some years, it's down 15%. That's pretty common. Average it out over nine years. If you can get 9%, you're on track, if that makes sense. Yep.","start_word":1807,"end_word":1867,"intents":[{"intent":"Considering cost savings","confidence_score":0.000024003677}]},{"text":"So what we've done here is your contributions are going into I, double f, and we've just projected if we switch the investments inside hub and this one rollover, we're estimating about 50,000 more over the next ten years with a grain of salt, of course. Market goes up and down. This does not factor in any other future rollovers that we do. Yep.","start_word":1926,"end_word":1989,"intents":[{"intent":"Sharing milestones","confidence_score":0.000017534727}]},{"text":"Down below, we've got a full breakdown of performance. Basically, just showing you I double f as it currently is, hub as it currently is, and those two splice together, and then switching the hub investments and how it now splicing them back together again. Yep.","start_word":2042,"end_word":2087,"intents":[{"intent":"Provide breakdown of performance","confidence_score":0.00026884433}]},{"text":"The blue ones are kind of being rebalanced where they should be five or 7%. We're just bringing them back the way they should be.","start_word":2355,"end_word":2379,"intents":[{"intent":"Rebalance funds and replace term deposits","confidence_score":0.0026103877}]},{"text":"We're essentially cashing in on it. And rather than waiting for it all to kind of blow up next year, we're just replaced it early. And Okay. that been a long option that was kind of underperforming, we're replacing it with one that's lower fees, better performance, and that kind of brings everything back on track. Okay.","start_word":2444,"end_word":2500,"intents":[{"intent":"Cash in on funds and maintain track","confidence_score":7.352279e-7}]},{"text":"Last table is just your asset allocation pie chart on kind of 2021. You should be able to see that colorful pie chart there. Yep.","start_word":2503,"end_word":2527,"intents":[{"intent":"Provide asset allocation pie chart","confidence_score":0.19150674}]},{"text":"So, again, pretty well diversified, to be honest. We've got a good split between all the different asset classes. The main thing I need to point out is that very middle row where it has growth total in gray, you should be able to see how it kinda goes 80%, 84, 86. Yep.","start_word":2529,"end_word":2581,"intents":[{"intent":"Represent growth portfolios and assets","confidence_score":0.0002564967}]},{"text":"Everything for the rest of this document is a reminder on why you should have a will power of attorney in place.","start_word":2671,"end_word":2692,"intents":[{"intent":"Provide will power of attorney","confidence_score":0.008903744}]},{"text":"If you wanna, you know, if you do sign off on this and you wanna revert it, there's a fourteen day cooling off period, and then we've got our fees relisted at the bottom of the document too. No worries.","start_word":2709,"end_word":2748,"intents":[{"intent":"Revert term","confidence_score":0.001296085}]},{"text":"So have I is the will is that factored in sorry. You probably covered it, but is the will will factored into the current fees and sort of, like, fees? Yes.","start_word":2774,"end_word":2804,"intents":[{"intent":"Factor fees","confidence_score":0.15476105}]},{"text":"We do have, I think, some lawyers that we know that do some, like, online wills, slightly discounted, I can always send their brochures through to you. If you do just wanna put something simple in place, like I said, Australia Post has government approval kits for $25 a pop and Oh, okay.","start_word":2947,"end_word":2999,"intents":[{"intent":"Consider options","confidence_score":0.012005779},{"intent":"Send brochures","confidence_score":0.5895155},{"intent":"Offer government approval kits","confidence_score":0.012019758}]},{"text":"it is just if you wanna vary the recommendations and change what we put in place. No. That should be okay.","start_word":3071,"end_word":3091,"intents":[{"intent":"Update recommendations","confidence_score":0.14944889}]},{"text":"So we've just cleared just under 12% after fees for random for the last three years, so above the That's benchmark, good. which is great. Yeah. Okay. So that's so we're tracking well. Yeah.","start_word":3367,"end_word":3400,"intents":[{"intent":"Track performance","confidence_score":0.035429403}]},{"text":"couple of those options that we wanna switch out to.","start_word":3430,"end_word":3439,"intents":[{"intent":"Discuss options for growth","confidence_score":0.0009475998}]},{"text":"Unfortunately, if the world explodes and we go through a recession, you'll see it tumble down to $1.35 and then back up to 200 a couple of years later. That's kind Yep.","start_word":3467,"end_word":3498,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.013581063}]},{"text":"I mean, that's a good way to put it is if you have 10 properties and they go down in value, is that a a reason to rush up and sell them for a loss and crystallize it? Or do you go, oh, I'll pick up another one for a cheaper price.","start_word":3607,"end_word":3658,"intents":[{"intent":"Discuss selling options","confidence_score":0.00095123757}]},{"text":"So I I'm glad to hear that we're doing around that 12%.","start_word":3699,"end_word":3710,"intents":[{"intent":"Track progress","confidence_score":0.01878412}]},{"text":"Main question I have for you, though, was we've got the next annual review scheduled in. Do you want me to pencil in anything before the next review?","start_word":4177,"end_word":4204,"intents":[{"intent":"Schedule review","confidence_score":0.46500033}]}]},"sentiments":{"segments":[{"text":"Hello. Henry speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03153333440423012},{"text":"Good afternoon, Hamish.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3520641326904297},{"text":"It's Tommy here from Oakview, mate. How are you doing?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.25097784399986267},{"text":"Good. Thanks, Tommy.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.4672165513038635},{"text":"How's yourself? Hey.","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.20421718060970304},{"text":"It's been a beautiful day on the Gold Coast.","start_word":22,"end_word":30,"sentiment":"positive","sentiment_score":0.43035128712654114},{"text":"What about your rent? Yeah. Not a bad day. It's fairly warm in South Australia, but it's a little bit overcast, a little bit muggy. So it's probably what more you're used to, but a bit different for us. You guys. I was just wondering if you still had a bit of time to go through that advice strategy that we had ready for you. Yes. Yeah.","start_word":31,"end_word":97,"sentiment":"neutral","sentiment_score":0.014142225496470928},{"text":"That'll be good. Perfect.","start_word":98,"end_word":101,"sentiment":"positive","sentiment_score":0.4357348680496216},{"text":"So before I jump into it, I will be emailing it out to you just so you can as well. Will you get a look Yep. onto the email with me, or should I give you a bit of a walk through instead? I should be right to go through it with you on the email. No worries. I'm gonna send it now, and then I'll just go through quick security check with you while that's coming through. There is about a dozen attachments, so sometimes it takes a minute. That's all. Yep. Sure. Now I'm registered with ASIC as adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have on file? 01/23/1988 And 18 Heath Place, New York, 5355 South Australia.","start_word":102,"end_word":235,"sentiment":"neutral","sentiment_score":0.07688868045806885},{"text":"Fantastic. I've got that there. Thank you so much for that.","start_word":236,"end_word":246,"sentiment":"positive","sentiment_score":0.5421366691589355},{"text":"And are you okay for the call to be recorded? Yes. That's fine.","start_word":247,"end_word":259,"sentiment":"neutral","sentiment_score":0.12038511782884598},{"text":"Perfect. So that should come through to you pretty quickly.","start_word":260,"end_word":269,"sentiment":"positive","sentiment_score":0.3481752276420593},{"text":"I believe you have used our new digital system before. It should be your main Yep. inbox. Yep. If it's first time, it goes to spam, usually. Sure. Now I've just got it through. I'm just looking at all the the hyperlinks for the attachments. I think that's the only. Yeah. Alright. Do I need to find that first of all, or don't or do I wait till the end? Wait till the end. Make sure you're comfortable with Yep. the ideas first. So all Sure. of those attachments are pretty much service guides for overview product from the super fund and the insurers and Yep. the I double f as well. That's all just updated product information. If you hit that sign button, it'll bring open the statement of advice to look at with me. Sure. Okay. You should see that sort of Gold Coast beachfront city picture on there. Let's see. Yep.","start_word":270,"end_word":423,"sentiment":"neutral","sentiment_score":0.0768493606962941},{"text":"Yeah. Cool. Perfect.","start_word":424,"end_word":426,"sentiment":"positive","sentiment_score":0.5752096176147461},{"text":"Now just as a bit of a heads up for this one, so I'm just gonna get you down to the scope of advice. But on that cover page, it does have my licensing details listed. Now Yep. you'd originally spoken to Kyle. Kyle Yeah. escalated the file to myself, and I was just on paternity leave. So I had a few things that we we were kind of run by our investment committee to kind of figure out what was going on with all the legislation changes, you know, the capital Yep. gains, negative gearing, the war in Iran, inflation, reserve bank, all that kind of fun stuff. So there's a few things that we wanna kind of tweak a little bit, if that makes sense. Yep.","start_word":427,"end_word":554,"sentiment":"neutral","sentiment_score":0.007237832993268967},{"text":"That sounds good.","start_word":555,"end_word":557,"sentiment":"positive","sentiment_score":0.46413037180900574},{"text":"Now if you swing through to that sort of third and fourth page, you'll see a scope of advice heading. Yep. Yep. Page four. Yes. Cool. So what we're really focusing on here is the superannuation review. You've got the I, double f, is built up. You've got the hub 24. We're just trying to make sure all of that is running the right performance, the right fees, and the right balances. That's the main Yep. crux of this price. We have kind of put some reminders in for estate planning as well. Mainly just for things like, you know, wills, powers of attorney, anything if you don't already have it in place. Sure. Alright. Yep. Sorry. For a limited scope on the next page, we have factored in the insurance premiums and the impact it has on the super, but we're not giving insurance advice at this point. Obviously, due to health, we're sort of keeping the I double o insurances open, Yeah. if Yeah. that rings That's a bell. what you're talking. Yep. Cool. Next page, you've got what's not in this document, which is advice around cash flow, budgeting, debt management. Essentially, these are things that you're currently managing in terms of Mhmm. car debts and savings. But if at any point you need any further guidance or assistance from us, you just have to let us know. Okay. Cool. Cool. And property is also out of scope for this one as well. Yeah. Yep. If you go past there, you'll see a red limited advice warning, which Yep. basically just says we're not covering everything under the sun. And if the info we have is incorrect, then that impacts the advice. Yeah. Sure. Cool. I'll just get you have a quick look for me at the about you and assets and liability sections for me. Just make sure all of this is correct. Yep. We've got So training adviser, 165 thousand, the Gmail mobile, we two can dependent. change the I just got a promotion two weeks ago, Yep.","start_word":558,"end_word":900,"sentiment":"neutral","sentiment_score":0.033263620293262054},{"text":"which is awesome.","start_word":901,"end_word":903,"sentiment":"positive","sentiment_score":0.49790093302726746},{"text":"So that's now $1.77.","start_word":904,"end_word":907,"sentiment":"neutral","sentiment_score":0.2851199507713318},{"text":"Congratulations.","start_word":908,"end_word":908,"sentiment":"positive","sentiment_score":0.44730162620544434},{"text":"So Thank just you. as a quick warning, the projections are based on the 165, That's but okay. I will Yep. update the system. And is there a change to your occupation there in terms of the title Yeah. So from now training I'm a adviser? senior training adviser. So Oh, not not huge, but, yeah, just yeah. Just that one level up, fantastic. I guess. Hey. It's always helpful in this day and age. It is indeed. So senior and one seventy seven. And then Yeah. One on the next 70 page, seven. we've got a few sort of employee shares and the car as well. No other kind of assets or liabilities missing from there. Yep. Pedro was what does that mean? The I car. feel like that is a misspelling of Prado or potentially A Pajero, the type I think, of car, would probably a Sierra. be the I guess they've they've they've made that error. Okay. So They I'll they get they've the correct probably brand gone thing I and couldn't then remember if it was a Pajero or product, and they probably just and they're just Splice gone the with two the plain. together. That's a metro. Oh, look. Okay. So I'll clarify that is a Pajero. It is a Pajero. Yep.","start_word":909,"end_word":1125,"sentiment":"neutral","sentiment_score":0.0004671230431525938},{"text":"Perfect. Perfect.","start_word":1126,"end_word":1127,"sentiment":"positive","sentiment_score":0.5144340991973877},{"text":"Alright. With the Hub 24 I, double o, f, I've just included in there the type of platforms they are because Hub has a number of different Yep. funds, so does I, double o, f. So that way, you kind of know exactly which one you Sure. That's have. If you alright. swing down past there, we've got the insurance policy, life TPD income protection. Yep. Perfect. And after that, you'll see we're not changing your risk profile. I believe you guys agreed to remain as a growth investor, kind of four out Yes. of five Yep. on the risk scale. Still primarily focused on long term growth, but not high risk. Yep. Cool. If you go down two more pages for me, you'll see a lovely big wall of text under strategy recommendations, Yep. blue heading. So the main crux of what we're looking at here is a bit of a top up rollover from IWF. We Yep. still need to keep 10,000 in there for the minimum couple of years worth of premiums, a little bit of a buffer just Yep. to make Sure. sure if the market crashes, there's no risk of the insurances lapsing. Yeah. Sure.","start_word":1128,"end_word":1327,"sentiment":"neutral","sentiment_score":0.09899065643548964},{"text":"Cool.","start_word":1328,"end_word":1328,"sentiment":"positive","sentiment_score":0.4210190176963806},{"text":"We do have a few updates to the investments as well. Basically, what we're trying to do is balance the asset allocation between the two funds, make sure it's still in line with the growth risk profile. Okay.","start_word":1329,"end_word":1366,"sentiment":"neutral","sentiment_score":0.144452196398848},{"text":"Cool.","start_word":1367,"end_word":1367,"sentiment":"positive","sentiment_score":0.40077412128448486},{"text":"Now if you swing down past there, you'll see an advantages and disadvantages table under an outcome setting. Yeah. Yep. So the short of these two tables is in terms of pros, we found some lower fee investments with better performance. We're able to kind of update what's kind of going on around the world just in terms of Australian shares and international and what's going on with legislation changes. And Yep. the cons of the advice is if you have two super funds, you're still paying fees to keep the second account open, and that Yeah. impacts your balance. Yep. No. It's fine. We do have factored in a little bit of capital gains tax under the hood because whenever you change investments inside super, they kind of pay like an internal tax rate, and we can kind Yep. of have a bit of control over what we buy and sell. Okay. Now if you swing down past there, you'll see a table on page sort of sixteen, seventeen called fee comparison. Comparison. Yep. Yep. Cool. Now what to let you know here, so it's got sort of four main columns in the middle. You've got your hub and your I double f as they currently stand, the recommended balances once the rollovers are completed, and a difference column on the right hand side. Can you see that? Yeah. Yeah. Cool. So at the very right, we've got the $3.57. That's your capital gains tax from the investment switch. We've got $67, which is I double f is Sure. a little bit cheaper than Hub because it's a wrap platform, so it's a bit more Yep. expensive of an account. And then you've managed to kind of drop the investment fees almost in half. So there's a four That's $100 good. savings of investment fees with the new Yep. options that we've picked. Now just bear in mind as well, so because we are charging a percentage of the hub balance, so the adviser fees do go up as well because we're charging that kind of percentage on what we're managing, if that makes sense. Sure. So the the the more I make, the more you guys make. It's Correct. Yeah. We have a bit of a new structure that's in place as well. So everyone above 200,000, we're giving kind of tiered fee discounts from 2 to 500,000 now. And from 500,000 to a million, we're dropping a few more as well. So once we get through, we'll kind of organize updated consent forms for you and start Yep. to apply discounts as well.","start_word":1368,"end_word":1803,"sentiment":"neutral","sentiment_score":0.12622660542026573},{"text":"Very good. Cool.","start_word":1804,"end_word":1806,"sentiment":"positive","sentiment_score":0.6377822756767273},{"text":"At the bottom there, so the main thing for you is growth risk profile aim for an average of around about 9% after fees as a benchmark. Some years, Yep. it's up fifteen twenty. Some years, it's down 15%. That's pretty common. Average it out over nine years. If you can get 9%, you're on track, if that makes sense. Yep. Cool. So we'll bump up the average there for That's the five good. year. If you swing over to the next page, you'll see a bit of an estimate. And I've just got to kind of explain how we've arrived at this estimate as well. Can you see the five and ten year projection table? Yes. Yep. Cool. So what we've done here is your contributions are going into I, double f, and we've just projected if we switch the investments inside hub and this one rollover, we're estimating about 50,000 more over the next ten years with a grain of salt, of course. Market goes up and down. This does not factor in any other future rollovers that we do. Yep. What that means is basically we're trying to be as conservative as possible because in case we can't get in contact with you to do any further changes, if we Yep. just did these changes and let it roll, this is kind of what we'd be looking at.","start_word":1807,"end_word":2037,"sentiment":"neutral","sentiment_score":0.1039979009530245},{"text":"Okay. That's good. Cool.","start_word":2038,"end_word":2041,"sentiment":"positive","sentiment_score":0.652500569820404},{"text":"Down below, we've got a full breakdown of performance. Basically, just showing you I double f as it currently is, hub as it currently is, and those two splice together, and then switching the hub investments and how it now splicing them back together again. Yep. Realistically, the main thing I wanna show you is just the very bottom right of that recommended table. I'm trying to get all of your returns to stay as double digit as we can above that Yep. percent. Cool. Not very good. Any questions on that so far? No. It also seems to be projecting, I guess, tracking wells depending Yeah. on the market and the economy. Yeah. It's one of those things too that because every five to seven years, there's a COVID, a GFC, a war that breaks out. That's why we kind of look back five years for our projections because it factors in some of these drop to give you a bit Yep. more of a realistic outcome. That's fair. If you go to that next page, the last one I wanna show you, there's just two more tables left. The investments table. I do apologize. I've kind of put a rainbow coloring on this investments table with the the red, the blue, and the green, if you can see that there. No. It's fine. Red is, I'm guessing, negative. Blue is sort of even and not much, and then green's a good positive. Now a little bit different. So this is the investments that we wanna switch around, Oh, which yep. ones we wanna buy, which ones we wanna sell, which ones we wanna keep. So what we're essentially doing is in that bottom half of the table, we've got those eight or nine options under hub. The red three, they are getting sold out and kind of Okay. removed. Yep. The blue ones are kind of being rebalanced where they should be five or 7%.","start_word":2042,"end_word":2368,"sentiment":"neutral","sentiment_score":0.029849492902055793},{"text":"We're just bringing them back the way they should be.","start_word":2369,"end_word":2378,"sentiment":"positive","sentiment_score":0.3488156199455261},{"text":"And the two at the bottom, that's the new options that we've mixed in to replace the other ones, Okay.","start_word":2379,"end_word":2398,"sentiment":"neutral","sentiment_score":0.1218380406498909},{"text":"Cool.","start_word":2399,"end_word":2399,"sentiment":"positive","sentiment_score":0.4936824738979339},{"text":"which is essentially low fee index funds to replace the Australian shares and the bank hybrids. Long and short of it, essentially, you've got some term deposits that the type of them are being phased out by the government.","start_word":2400,"end_word":2438,"sentiment":"neutral","sentiment_score":0.19867552816867828},{"text":"It has some good returns. We're essentially cashing in on it.","start_word":2439,"end_word":2449,"sentiment":"positive","sentiment_score":0.6089593768119812},{"text":"And rather than waiting for it all to kind of blow up next year, we're just replaced it early. And Okay. that been a long option that was kind of underperforming, we're replacing it with one that's lower fees, better performance, and that kind of brings everything back on track. Okay.","start_word":2450,"end_word":2500,"sentiment":"neutral","sentiment_score":0.2030719518661499},{"text":"Good. Cool.","start_word":2501,"end_word":2502,"sentiment":"positive","sentiment_score":0.40225040912628174},{"text":"Last table is just your asset allocation pie chart on kind of 2021. You should be able to see that colorful pie chart there. Yep.","start_word":2503,"end_word":2527,"sentiment":"neutral","sentiment_score":0.15098077058792114},{"text":"Cool. So, again, pretty well diversified, to be honest. We've got a good split between all the different asset classes.","start_word":2528,"end_word":2547,"sentiment":"positive","sentiment_score":0.36096933484077454},{"text":"The main thing I need to point out is that very middle row where it has growth total in gray, you should be able to see how it kinda goes 80%, 84, 86. Yep. That's basically your risk profile. You need 80 to 90% growth assets or to be a growth investor. So that's shares, property, and gold. You're sitting at 84. Once we move funds from I, double f, into hub, you'll be sitting at 86. So pretty much smack bang in the middle. Okay.","start_word":2548,"end_word":2633,"sentiment":"neutral","sentiment_score":0.13227908313274384},{"text":"Good. Cool.","start_word":2634,"end_word":2635,"sentiment":"positive","sentiment_score":0.40897953510284424},{"text":"Again, it's not high risk. We're not putting it to 95, a 100%, and we are not borrowing money on your super and getting you above a 100%. Okay. Yep.","start_word":2636,"end_word":2665,"sentiment":"neutral","sentiment_score":0.1640685647726059},{"text":"Cool.","start_word":2666,"end_word":2666,"sentiment":"positive","sentiment_score":0.3755379915237427},{"text":"That's pretty much it. Everything for the rest of this document is a reminder on why you should have a will power of attorney in place. Some disclaimers at the back that we do have a sixty day expiry for the documents. If you wanna, you know, if you do sign off on this and you wanna revert it, there's a fourteen day cooling off period, and then we've got our fees relisted at the bottom of the document too. No worries. From here, basically, if you're happy with it, once you sign, we will jump online over Friday, do the investment trades and No. That's fine. So have I is the will is that factored in sorry. You probably covered it, but is the will will factored into the current fees and sort of, like, fees? Yes. Fees for for the for you guys? Great Or question. So everything that we do, investments, budgeting, debt management, insurance, everything gets factored into those fees. And no matter Yep. how many times we do offer new strategy or plan, unless you're doing something really big, there's no further charges. The only thing that we can't do is we're not lawyers, so we can't set up a will. Sure. So the fees for setting up a will would be, you know, post office is $25 for Australia post approved will. And if you go to a solicitor, it could be Yeah. how long's a piece of string, somewhere between Yeah. Of course. 2 Yep. 100 and 2,000, if you know what I mean. Yeah. Yeah. No. That's cool. Alright. So now I'll look into that separately.","start_word":2667,"end_word":2940,"sentiment":"neutral","sentiment_score":0.05664338291126446},{"text":"That's all good.","start_word":2941,"end_word":2943,"sentiment":"positive","sentiment_score":0.4258304536342621},{"text":"Cool. But yeah. We do have, I think, some lawyers that we know that do some, like, online wills, slightly discounted, I can always send their brochures through to you. If you do just wanna put something simple in place, like I said, Australia Post has government approval kits for $25 a pop and Oh, okay. also Cool. for the power of attorney as well for, you know, Yep. if you're in hospital or something. Yeah. No. Sorry. I'm not looking to that one, actually, to begin Cool. with. Now when you get to that last page on kind of 32, 33, there is kind of three boxes. You'll see a signature box and a date box. That's pretty much all we need. The one above Yep. it is just if you wanna vary the recommendations and change what we put in place. No. That should be okay. So yeah. No. That's alright. I'll I'll have a bit of a a a look through with my wife when when we've hung up, and we'll then I'll get that through to you.","start_word":2944,"end_word":3124,"sentiment":"neutral","sentiment_score":0.14616099452774828},{"text":"Done. Just a heads up, there's kind of automated weekly reminders for the email just so it pops to the top of top of your inbox. Yep. Is there anything else you can think of that I can help you with over the next couple of weeks, couple of months?","start_word":3125,"end_word":3174,"sentiment":"positive","sentiment_score":0.4543593823909759},{"text":"I don't think so. I think everything's sort of hey. It just off the top of your head and sort of, I guess, simplify it like I'm a grade five is where I'm at now, is that exactly where sort of we were projected to be, let's say, a year or two ago when we started? Is it like because, I mean, I see we're at about two twenty six mark roughly. I think even, like, a year ago or two years ago, I think I was around the one forty, one sixty. So I guess I'm I'm thinking of it as good, but, like, I guess, in layman's terms, are we doing well? That is not the easiest question to answer, but I do have some information. I'm just pulling up your your hub account because this gives me a bit of, like, a since you started track record here. Sure. So you know how I said that you wanna kind of aim for that percent average? Yeah. We've hit 41 over let's call it three and a half years. So we go 41, part of it, the old 3.5. So we've just cleared just under 12% after fees for random for the last three years, so above the That's benchmark, good.","start_word":3175,"end_word":3387,"sentiment":"neutral","sentiment_score":0.1160561738299652},{"text":"which is great.","start_word":3388,"end_word":3390,"sentiment":"positive","sentiment_score":0.7477326989173889},{"text":"Yeah. Okay. So that's so we're tracking well. Yeah. And this will will track it better too because it was a little bit flat this year with the double market crash in March and then last month and Yep. couple of those options that we wanna switch out to. So the next time that you see the stock market goes up, you should start to see it kind of soar back up 170, 180 pretty quickly. Unfortunately, if the world explodes and we go through a recession, you'll see it tumble down to $1.35 and then back up to 200 a couple of years later. That's kind Yep. of the roller coaster of being in growth. No. That's right. And, look, I I understand. Like, the money I I try not to get too hung up on, you know, the, I guess, the losses because it's not your money until you take it out. You know what I mean? Like, it's yeah. You can look at it and go, I've lost such and such in shares. But until you're actually willing to take the money out, it's it's not you haven't lost anything. It's just that if you're if you have to take the money out then and there, then you've made a loss. That's right. I mean, that's a good way to put it is if you have 10 properties and they go down in value, is that a a reason to rush up and sell them for a loss and crystallize it? Or do you go, oh, I'll pick up another one for a cheaper price. Now I've got 11. And then when Yay. the market goes up, all 11 properties all go up together. It's kind of like each one's a brick, if that makes sense. That's that's right. So yeah. No. That's good.","start_word":3391,"end_word":3697,"sentiment":"neutral","sentiment_score":-0.05334331467747688},{"text":"So I I'm glad to hear that we're doing around that 12%.","start_word":3698,"end_word":3709,"sentiment":"positive","sentiment_score":0.7283759713172913},{"text":"That's above, I guess, what what do I say? The a ASX or that's around the eight or 9%, isn't it? Yeah. So Yeah. there's a couple of things to track. So you've got the all ordinaries, which you're you're beating that. That's at 35 over three years instead of 41. The ASX, we can have a little look at that one too. See how that's look for three years. We get 2023 and May. That's only up 21% for three and a half years, so quite a bit below. The main thing that we compare to as well is to all the other super funds. We need to make Yeah. sure that if you're gonna pay an adviser fee, that we're trying to get you something that consistently gets you above what everyone else is doing to justify the cost. It's not always going to be in a three month period, the top one, if that makes sense. But, basically, Yep. Yes. if we can get you an extra 2% per annum for ten, twenty years, that'll compound to an extra few 100,000 in retirement. That's the end of Yeah. the game. That's right. Yeah. No. So that's that's good. No.","start_word":3710,"end_word":3911,"sentiment":"neutral","sentiment_score":0.13333606719970703},{"text":"Thank you. I really appreciate you taking the time, Tommy.","start_word":3912,"end_word":3921,"sentiment":"positive","sentiment_score":0.4514687657356262},{"text":"And did you say you earlier that you're on parental leave? Yeah. I just had my third little little girl there for the two boys, and We're we're I'm suddenly expecting just the gotten same back. in February. So we've got a little girl coming for our two boys as well. So, yeah, that's in that's early next year.","start_word":3922,"end_word":3980,"sentiment":"neutral","sentiment_score":0.13345180451869965},{"text":"Oh, Hamish, that's amazing. So I just got a bit of a present from the company today, a little little onesie for the baby with a brand new branding on it.","start_word":3981,"end_word":4011,"sentiment":"positive","sentiment_score":0.3916172981262207},{"text":"So I'm gonna do a photo shoot now. It'll be up on the Facebook.","start_word":4012,"end_word":4025,"sentiment":"neutral","sentiment_score":0.17226816713809967},{"text":"But, no, the the boys absolutely love her. She's just smiling nonstop. They won't stop trying to make her laugh, and, obviously, that's getting us now because they won't stop kissing her face.","start_word":4026,"end_word":4058,"sentiment":"positive","sentiment_score":0.6813497543334961},{"text":"And, Yeah. Yeah. you know, I've got a seven and a three year old, so they're always constantly, let me pick her up. Let me pick her up. Six And and two. yeah. So yeah. No. We won't be that far dissimilar situations, really.","start_word":4059,"end_word":4102,"sentiment":"neutral","sentiment_score":0.057410914450883865},{"text":"So congratulations. Alright. Thank you very much, and congratulations to you guys as well.","start_word":4103,"end_word":4116,"sentiment":"positive","sentiment_score":0.5362184643745422},{"text":"Yeah. Thank you. But, no, that's that's pretty much I think that's pretty much cleared most things up for me.","start_word":4117,"end_word":4136,"sentiment":"neutral","sentiment_score":0.1578226238489151},{"text":"Thank you for taking the time.","start_word":4137,"end_word":4142,"sentiment":"positive","sentiment_score":0.4598425626754761},{"text":"That's okay. From now so I'll pretty much be looking after you as your your main point of contact, but you've obviously got Dana, Larissa, Jenna, all the other advisers here as well. Yep. Main question I have for you, though, was we've got the next annual review scheduled in. Do you want me to pencil in anything before the next review? What's your, like, contact preference? No. I reckon at this point, we'll we'll keep it at the year. I know I struggle for some reason to be gotten a hold of by your team. I think I always keep getting these missed calls going, can you get in touch with us? And every time I try, it's just because I'm in between WA and South Australia, the time well, I'll I'll get to 03:00 in in WA and be, oh, great. I'll call. No. That's 05:00 or 06:00 your time. And I'm like, I guess I'll try again tomorrow, then you forget. No. So let's Yeah. let's keep it in a year for now. Okay. If anything else does pop up in your life and and you want some help, just give us a call. It's Yeah.","start_word":4143,"end_word":4341,"sentiment":"neutral","sentiment_score":0.013234038837254047},{"text":"just Beautiful. that easy, and we'll schedule in.","start_word":4342,"end_word":4349,"sentiment":"positive","sentiment_score":0.4076271951198578},{"text":"And whether it's email or or phone, we'll we'll do our best.","start_word":4350,"end_word":4361,"sentiment":"neutral","sentiment_score":0.2651768624782562},{"text":"Yeah. Awesome. Thanks, Tommy. I really appreciate it. Awesome, mate. I'll just send you the usual kind of feedback tech.","start_word":4362,"end_word":4381,"sentiment":"positive","sentiment_score":0.6489942073822021},{"text":"Anything Yep.","start_word":4382,"end_word":4383,"sentiment":"neutral","sentiment_score":0.25265657901763916},{"text":"would be appreciated, and we'll get all this implemented as soon as we get it back signed. Awesome, mate. Well, I'll certainly endeavor to sign it today, so I'll get it back to you. Easy done, Hamish. Have a fantastic week, and congrats again. Thank you, and and to you. So all the best, mate. Cheers. Thank you. Bye.","start_word":4384,"end_word":4442,"sentiment":"positive","sentiment_score":0.6290784478187561},{"text":"Alright. Bye.","start_word":4443,"end_word":4444,"sentiment":"neutral","sentiment_score":0.17814290523529053}],"average":{"sentiment":"neutral","sentiment_score":0.11012937252268504}}}}