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So it's pretty good. But just to jump into that there today there, John, if I could pass you through securities, that name, date of birth, and current address, we'll get stuck into that today. Perfect. Thanks for that on there, John. Now as you're aware, it obviously has been a little bit since we last spoke, so I do apologize for the wait. Obviously, the end of last year and a few business changes, it's just taken a second to to get through the backlog and get things rolling again with changing CRMs and everything. So I do apologize for the wait there. Just to confirm, though, since we did last speak, has there been any significant changes in regards to your circumstances? I know you're mainly focused on paying down your your personal loan, but any changes like occupation, things like that or anything? Okay. Nice. What sort are you sitting on at the moment in regards to gross income? That's not a problem. Just while you're doing that too, John, can I confirm that your email is still John.sa@Outlook.com? Perfect. Because that's what I'll be sending through those documents there today just to get a a start on that. So they're coming through. That'll just have the same advice, the Oakview services guide and the financial services guide that have been updated in regards to that as well as the the appendix and also the PDFs for your current retail super fund you have here with us. So that'll come through there shortly as well just so we're able to run through those together. Yep. And then you just get the the 12%, obviously? Okay. So I did have, like, gross at 86 including the superannuation the last time we spoke. So yep. Okay. Yeah. No. Under understandable there. I'll just do a quick calculation based on that. So it's $7.06 700, basically. Yes. It does come out to around the $80.86 mark. Maybe the last time we did speak, it was after you had that CPI increase before. So that's fine. Oh, okay. Yeah. We I think we did speak around the July, I think, even, please. Yeah. Twenty seventh of the 2025. So that would have been, yeah, just after your pay increase there. So that does sound about right in terms of, like, what you are getting there. Any other sort of major updates there, John? Okay. Yep. And is that how much did you manage to pay down on your your personal loan that you had previously? Yep. That's quite a significant whack that's still come off there given that you were, like, you know, over Christmas and everything, probably, you know, a little bit more lax with the budgeting than more so. Unfortunate, obviously, you know, that the vet bill is probably gonna bump that back up in terms of, like, your total level of debt. Sorry to hear about the cat, but, obviously, you know, it's still around given the vet bill. So that's a bit of a positive there for you at the end of the day, even though the wallet probably doesn't agree with you there. Okay. Well, is this due to like a old age type thing or Okay. Look, honestly, doesn't sound like a bad laugh to me. But yeah. Exactly. So no no fail. Obviously, the vet bill is not fantastic, but nice full life ahead then. But if that's all in regards to updates, it doesn't affect the advice piece majorly in terms of, like, the changes that have occurred there. I know you did have, like, a little bit of Afterpay and a bit of savings there as well. I'm assuming have you managed to get rid of the Afterpay, though? Yep. Okay. Yep. Yep. And that's a NAV after pay thousand dollar limit, and it's four payments? Yep. And then as far as the savings, I know you had a little bit in in regards to savings there. Have you managed to save up a little bit more even though it's over the Christmas break, or is it still around the sort of $300 mark? It is understandable, everything that has gone on. But as long as you sort of focused on making sure that moving forward, yeah, you're still focusing on those debts. Obviously, you know, the unexpected ones that do come out in building that cash buffer, which I know you were already focused on. So that's good at least. Yeah. Well, at least the benefit of that is is that there's not too many more teeth to go if it does come down to that. So fingers crossed there for you. But in regards to the email though there, John, did that one come through to be able to run through that there today? Yes. Correct. If you can open up that and then we can just run through that together in regards to the recommendation. It is a pretty straightforward sort of recommendation to what we are because I know you were largely happy with everything. We're just reviewing your rollover retention and then also just having a look at your your investments there as well to make sure that that was still in your your best interest moving forward. I know we had the discussion around Benelon and what was occurring with that as well. So we're just doing a little update in regards to that. But as soon as you get a chance to open that up, we could run through that And what time do you have to leave? Do you have to leave shortly? Because I can make it a little bit quicker, and you have can have a chance to run through it in your spare time once you're you're home again. Okay. Not a yeah. That'll that'll be plenty of time. I'll even try and make it a little bit quicker. I know you don't wanna sort of run out the door. As I said, it is a quite a straightforward piece. I'll make sure to go through over the key points there for you. Probably only take about another sort of twenty, thirty minutes. So depending on how many questions you might have just to cover the key points there. I'm not gonna read it word for word because I don't wanna put you to sleep on the other end there, but we'll touch on everything. So as far as the documents that was created for you by myself, Kyle, getting as an authorized representative under Oakview Financial with here as the team as well. As far as best interest to you to confirm confirm, we don't sort of make a recommendation with who feels gonna put you in a better position. As far as what we did consider there, I know you just wanted, yeah, as I said, review the the superannuation, make sure it was still getting nice returns while you're younger and contributing there. So with that, we had a review of the retention strategy. And if it was on your best interest, we did scope out the personal insurances. I know you were still yet to go about your your sleep apnea and do all your blood tests and everything in a a later date. You're gonna get that sorted. Obviously, you know, it sounds like life's still being quite busy for you as well. So once you do have a chance to get around to that, feel free to reach out, and we can review those personal insurances again as well, and if we can look at, like, full consolidation, things like that for you. Next financial year. Perfect. Yep. Understandable. I don't want you to sort of go backwards financially if you're sort of happy with how everything is ticking along and focusing on that debt first. So that's good there. In regards to your estate planning matters, I know you didn't sort of mention too much about it other than the fact that you do realize you do have to do a will, so we just put a recommendation in there. Obviously, we're not lawyers, so we can't look at writing up the will for you. We can look at, obviously, you know, how you might structure and things like that. But given that you sort of, know, don't have the craziest estate, it should be quite a straightforward process and will for you. There is the option to go down to, like, the post office and do the post office wills as well. Even though they're not the most ironclad things, at least you got something there at the end of the day as well. As far as what's not considered here, I know we did mention budgeting, savings, go over that. I know you were just mainly focused on paying down the personal loan, but, obviously, you know, that's changed a little bit in regards to what you are paying off with the the personal loan and the the vet bill there as well. It's good that you're not paying interest on that one compared to, like, the debt you previously had. So as long as you're sort of mindful on what debt you're trying to pay down additionally, obviously, you wanna potentially focus on the ones that are occurring interest if you are making additional repayments, as well as the ones that have those those timelines for the, you know, the four payments for your Afterpay one with NAB there. In regards to that debt management there as well and what you're still trying to do that, you're happy managing yourself for now. And then, obviously, travel plans and things like that and planning that out, savings, budgeting for that as well. It's all been scoped out, but we're aware of it for, like, later dates and things like that. And I can't remember the last time we spoke at all there. John, did you receive a copy of the budget planner? Did I send that through to you just to have for your own reference to be able to utilize? Yep. Okay. I'll send through as I said, I can't remember if I sent it through to you or not. I just a copy of, like, the OPU budget planner there. It's just a nice tool in order to plot out your expenses and monthly expenses just to track your income a little bit better there for you, and then moving forward there as well for your budgeting and saving. Obviously, you know, things like the vet bill obviously come out of the blue and you can't really prepare for things like that. But things, you know, like, Red Joe and like the, you know, the weekly expenses or monthly expenses in regards to, you know, Netflix and stuff like that. It's nice to, one, put it all on a piece of paper to see where you might be able to, you know, cut back in regards to some discretionary spending, but also just to be able to prepare for those other bills there as well. So you're not sort of in, like, a never ending cycle of, like, you think you've got through, and then you've gotten, like, another payment that's come out of nowhere. Yeah. It is very similar. It's like an Excel spreadsheet document, but it's, like a a bit, you know, fancier. It's put together to where it calculates it all for you manually, and you don't have to worry about trying to work your your hand in Excel. You can just put it all in there, change a few things around in regards to what's what, and it'll give you, like, your your negative or positive sort of cash flow. And you can play around with it a little bit and, you know, work things out a little bit better. Do, you know, have have double in the barefoot investor and things like that with the five accounts and, you know, splitting up your money. Those are all sort of ways that you can sort of look to to budget a bit better in regards to, like, your discretionary daily expenses and sort of bills and things like that as well. Yeah. Perfect. Now as far as the advice to you, it's basically quite simple. It's partially roll over the MLC superannuation fund to the Netwealth account you do hold, retaining the minimum much like your original advice, and then changing the underlying investments within Netwealth. And then also a recommendation to put some beneficiary nominations in force, establish your will, and establish your power of attorney there as well. So on page eight, you'll be able to see your details there. So just feel free to confirm that they are all correct. Same with over the page of assets and liabilities. Obviously, that's changed slightly since we since we last spoke, but it shouldn't affect the advice piece much at all because we're not doing any sort of cash flow and budgeting advice, things like that. Yep. Never ending March of time, unfortunately. That and COVID, I feel like, took a few years from all of us, so I don't I don't try to count those as much. Yeah. Perfect. The next page over that on page 10, there you'll be able to see your current superannuation, estimated balances in regards to your net worth in your MLC plus your MLC group cover. As I said, can review that in future. I know you're just focusing on the the debt there first. So once you get around to those doctor's appointments and things like that and get, you know, clear or not or at least a diagnosis, we can definitely review and start that process again when you got a bit of time to just see what retail cover is available and what the pricing sort of looks like or even transfer terms and things like that. As far as the risk risk profile is concerned there, you did score high growth for keeping you within high growth, so there's not much of a change there. But do you have any questions in regards to your risk profile or the split between growth or defensive assets? Yeah. Yep. Yeah. That, you know, that's sort of the way to look at at the end of the day there as well is that, like, over the shorter period of time, those high growth investments, like you said, quite volatile in the sense that they do have a lot of the ups and the downs, much like even now with what's occurring with the war with Iran. But, you know, twenty years from now, holding those growth assets, they do tend to finish quite well up over, like, a span of twenty to thirty years as opposed to, you know, other investments even with things like, you know, what did occur with COVID. Obviously, it took quite a good dive and then it's come back from that one. And, obviously, now it's taken, like, another dive. In regards to to that one there, the Benelung Fund's the main one we're concerned about with what occurred with that one and changing that one out. Obviously, the portfolio updates a bit of a refresh in general just to get things, you know, more in line with Oakview's investment philosophy moving forward and having a bit of an update there for you at the end of the day there as well. I know you still wanted to maintain the the similar sort of, you know, having somewhat active investment within your portfolio and not going to the passive. So we've looked at keeping that for you, and I'll I'll run over that as well. But, yeah, you're about 90% growth assets still and about 10% defensive is what you aim for, and you're pretty in line with that with the new recommendation there as well, if that makes sense. So as far as the the best interest, obviously, we're looking at keeping the 10,000 retained in in MLC. Obviously, keep your contributions going there. Each year, we'll sort of do a review and assess all of it's relevant to or a viable strategy to maintain that retention strategy, much like we've done. In regards to having the two funds, you know, Netwealth, obviously, was outperforming the the MLC in regards to those returns and having the more visibility, having access to the service there as well. All reasons we've kept you in the the Netwealth account there. In regards to to that one as well and changing the investment, not only will it reduce investment cost there for you moving forward, it will also remove that underperforming Benelon, which is a bit of a sore spot in regards to your investment growth. But overall, it'll be a balance of ETFs and those managed funds to aim for those sort of not just the the long term growth, but also the ability to try and outperform the markets there with that managers and asset managers to try and, obviously, beat what the markets are doing as well for you. Yep. So approximately based on those balances, 12,000 would be rolled over into your Netwealth account, and 10,000 would be retained in the MLC. Obviously, we haven't got the forms in here with Netwealth to do stuff to do the rollover form. So once we sort of if you're happy with everything, the team would probably contact you and then just organize the form to be able to complete that rollover. As far as the investment changes as well, that can just be completed in the background. But the benefit wait. Sorry. I believe the TPA might be expired. So with that one, we can update that TPA, and then we can look at getting the updated balances, but still would have to sorta do the form. But if you don't wanna sorta have to log in and things like that, we can just get there. I can make a note of here to send you that TPA now so that I can check that balance for you. Yeah. So it'll just be the rollover form. And then just to confirm sort of, like, once that's happening, if you are happy with everything, they'll just get the most up to date balance because with what's happening in the market, obviously, if you dropped a little bit and we just do the rollover that's based on that figure, then you might sort of be left less than the the 10,000. So that's what we'd wanna confirm at that time, if that makes sense. Perfect. That should be let me just double check based on the figures. Yeah. So quite similar. It's actually going up a little bit. I'm assuming you've had a work contribution going probably in that time frame. Unfortunately, that is the what has been occurring at the moment with everything that has happened. Not the the most ideal scenario. But okay. Yeah. No. Makes sense. But that's a good thing anyway with the contributions going in even if it drops a tiny bit there. You'll still have those contributions going in to ensure those insurances remain active in the the interim. As far as the the benefits of this, obviously, it's in line with your your risk profile. It has a mix of passive and active investments, which you still wanted. And then by partially rolling over in the the future and that you will sort of reduce the the overall fees between the the two being split up with two different balances there having it, you know, more consolidated compounding towards your retirement goals there as well as well as remaining a a client there at Oakview Financial and the services that do come with that as well. Obviously, in regards to risk, there's always risk that, you know, the recommended investments don't perform as well just given that, you know, impartially, the investments are the one things that aren't guaranteed in terms of, like, guarantees with providing a service, unfortunately, because no one's got that crystal ball. I couldn't tell you what Trump's doing tomorrow, let alone yesterday. He's gonna you know, go goes much by the beat of his own drum. So with that, that all does play effects into what happens in the market within the short term there. Obviously, in the long term, it has less of an impact in terms of, like, the longer term growth, but short term, it can have a lot of volatility impact. Now with in regards to with that volatility at the moment there, you may forego some potential sort of investment growth if the market was to sort of change in the time frame that you were switching over those investments with the changes. And then with that, it can also go the other way there as well, but that's something to be mindful of that. If the markets do change slightly while you're in a cash position, it can sort of have a a bit of a negative impact there as well with those percentages that it could rise or fall. We did consider, obviously, leaving everything as is and not changing anything, but, obviously, you know, the MLC fund's not performing that well either. In regards to that, net wealth obviously has the better reporting. It has the access to more flexible arrangements in regards to advice strategies there as well. And then in regards to investment change, it will save you investment fees moving forward. We also did consider moving all the way back to to MLC, do that comparison, but it just worked out over a long term position. It will put you in a better position having the Netwealth account there and access to our service there as well. And then we also looked at changing the MLC investment from a growth to a high growth option. And given that the growth option there you do have is quite in line with, like, the high growth risk allocation, but in saying that you could look to change it to a high growth. But given that it might sort of bump you up a little bit higher there as well and given that your insurance premiums come out of there, we wanna look at maintaining those. It's not a bad thing to have it little less aggressively invested just to ensure that it doesn't sort of have those major fluctuations, if that makes sense. Yeah. So given that we were to sort of just keep it looking at the around the $10,000 sort of mark, you know, with those market downturns, if you're in a quite aggressive option, it kind of sort of, you know, drop with that, and then you've got fees coming out, things like that as well. So having a few more defensive options and that isn't a bad thing. As I said, the growth option there probably is a little bit more than what we consider a growth option anyway. But overall, it sort of with that and take into consideration 10,000 with that investment option, it still puts you around that $90.10 split within regards to your assets. But if you go to page 17 there, you will see the buyers and sales in regards to the investment change there. Now with that one, we are looking at removing the Benelon, obviously, because it is quite a large portion, and it's obviously didn't perform too well with what happened in the market. So we're looking at removing that, offsetting some changes there with the the growth moving forward there and carrying the the loss through with that one. With the investment changes, we're looking at just updating the portfolio to be a bit more in line with what is happening, having a little bit less of an allocation to those managed funds. So when they do have a negative year, it doesn't affect your balance as much. You do have the JPMorgan Global Research enhanced index. So it's an index fund, but it also has somewhat a degree of management. And then you've got Alfiniti, which is the managed fund there as well, which ran 10%, which will mean that it's a bit more of a satellite now. You won't have those major fluctuations like what has occurred with Benelon and how that did negatively impact your balance. The or the portfolio would still be the S and P 500 with around 20% invested in that one, and then the rest is sort of broken up between the Raffi Australian index, you know, across the Alfiniti and then the JP Global growth there with a few other alternative assets there as well. You have a bit of exposure in health care India and then also in gold and then a core bond, which is your defensive asset there as well, and then a little bit in cybersecurity. So a real nice spread of, like, diversified ETFs there and some managed funds to hopefully give you a nice spread with those markets. Yeah. Because obviously being in the bed along there, you're quite sort of segregated in regards to in that one spot of Australia in that managed funds. So when that did poorly, it obviously affected your portfolio quite heavily. So not only will this sort of give you a bit of a different exposure in regards to a little bit in India and then also within that as well having, you know, across health care industries, cyber, and then also in regards to the, you know, physical gold as well as the commodities and then with the the managed funds there as well and the Rafi index in Australia. So I have the within the Australian market as well and the Australian equities market. Obviously, in the appendix as well, you'll have links to all these investments. If you did wanna have a look around at them and what we are recommending In regards to that, obviously, you know, I can't say too much in regards to what you're previously seeing. That wasn't my recommendation there. But then moving forward, if you do have any questions in regards to that, we can look at sort of changing if you do have any issues with them or sort of the weightings or did have any concerns with that there as well. But do you have any questions in regards to that or the the splits there for you? Yep. Yep. Understandable like Yeah. And look, some people, funny enough, have invested in Ethical. And given the cost of Ethical at the moment and sort of how it does perform, obviously, it takes quite a bit of money to sort of dictate what is ethical and what isn't. And then also sometimes even though you can be, like, in a carbon aware fund, but it's still got, like, a mining company that's trying to be carbon aware by offsetting it through some green space and things like that. So it's very hard to try and, you know, build a portfolio that is truly ethical. And then that comes at a higher cost, and it generally doesn't perform as well. So, generally, you know, a couple people I've seen have been in it for about a year, realize that it's a high cost, lower performing, and they jump out of it anyway. Not to say that we can't sprinkle in a few ethical investments in the future once you sort of wanna have a look at it, but, yeah, this is sort of more your conventional investment still. But it's not like it's targeting, you know, mining or child labor and things like that. It's obviously just your standard sort of large companies that sort of everyone sort of has a a finger in the pie. Yeah. No. We're definitely definitely not that direct in regards to the investments, and these are all sort of those index funds anyway. So it depends on, like, the companies that are in it. You know, the S and P 500, I'd you know, I dare say that the top 500 companies in America, some are using some form of, like, potential, you know, child labor, things like that to to with their business and the growth in their business, but I couldn't say it for sure and then be slander if I didn't did say that directly, but, you know, it's one of those things. Every sort of corporation feels like it's been caught at once or twice doing some sort of dodgy thing. Yeah. And then, obviously, as I said, we can look at being, like, a little bit more ethically minded in the the future if that's something you did wanna have a look at as well. Understandable. I don't blame you at all. In regards to that risk profile, as I was saying, we aim for that ninety ten split. If you do look in regards to the allocation on page 19 there, you have a little bit less of exposure in the Australian equities market and a little bit more in the international, plus a little bit in the alternative growth side of things. That is mainly your gold. So with that one there, even though it's considered to be, like, a bit of a split asset, like, being alternative with growth and defensive, they just accumulated, like, allocated to the growth side of things given how it has been for the last few years. So within regards to that, it can act as a bit of a defensive portion. Obviously, when things do go down within regards to wars and things like that, gold tends to sort of be negatively correlated. It tends to go up a little bit. People go back to that harder currency. But then also in regards to the Australian fixed interest, you do have sort of roughly the the same amount, and then you do have the cash holding there as well, and it sort of gives you around that $90.10 sort of split. Okay. Yep. The next page over there as well, you'll be able to see, like, a a table that illustrates the changes there. Obviously, with the rollover from MLC to Netwealth, you will have more funds going into the Netwealth that will result in slightly higher administration adviser fees in that fund, but it'll also reduce administration costs in your the fund that for MLC because it has less of a balance. In addition to that as well, the investment fee will be lowered with the changes. So overall, you will be saving money. And with that projected adviser fee, that's based on some growth as well. So if that recommended investment doesn't perform as to, like, you know, the five year rolling averages there as well and what's going on in the markets, you will be charged less than that because it is a fluctuating figure based on what is occurring. And, obviously, you know, as I said, that's the one thing that isn't guaranteed and past performance isn't indicative of future performance, unfortunately. Otherwise, we could all pick the winners and I'll be out of a job. But, yeah, I'll be sipping pina coladas on the beach. Wouldn't it be nice? In regards to the figures and returns, you can see based on the portfolios and the breaks and then the three to five to ten years on page 21 there. Just have a look and sort of that past forms just give you an indication of what you're going into there. In addition to that, you'll also see the premium impact of your insurances on your MLC fund and what that does look like in terms of, like, balance and fee costs as well. Obviously, it's not, you know, a huge amount sort of different in regards to, you know, what that does sort of cost. And I believe that figure might even be backwards there. I'm just having a look at that one. Sorry. Something about that feels a little bit off. I wouldn't sort of worry about that one too much. It was meant to illustrate the the impacts of having the insurances there, but it seems the figure has been skewed slightly and it's doubled up. So I'm not too sure what did occur there, so I'd probably just ignore that one. It was just to illustrate the cost of insurances on your superannuation, but that's fine. Yeah. It does seem that there has been a bit of a a formatting error there, so apologies for that one. In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination. We are just recommending that you nominate the legal person representative. So once you do a will, that will means it will go to your state. So with that one, the benefits are, It doesn't actually pay the the Medicare levy when going to the estate, which is nice. But in saying that if you sort of did have a dependent there or a spouse in the future, you can change it to them so they can receive the funds tax free as opposed to getting taxed. But with that, there also is the risk that when it goes to the estate, it does open it up to, you know, family fighting over the funds, whereas when it's currently, it's not a non estate asset, which is something to be mindful of at the end of the day as well. But given that, you know, if you did have a nomination currently as well, it might sort of be the fact that it's not valid anyway, and it might end up in the estate, if that makes sense. I've got Muriel and Barry as your recipients for Netwealth. Yeah. Okay. So yeah. So so, yeah, with that one there as well, obviously, you know, if you don't have a will in place, it still gets a bit messy. But if you have a will in place, it makes it a lot more simplified. And, you know, in the future, if you do have a spouse, things like that, you can just change it. That's more than fine. But with Muriel and Barry there at the moment, it just wouldn't sort of be a valid nomination currently unless they're sort of dependent on you sort of financially or caring, things like that or some form of independent relationship, which is very hard to prove for the trustees of super, especially when you're gone and it's up to whoever's left in a trying time there as well. It can be a little bit difficult, if that makes sense. Perfect. Obviously, in conjunction with that, we are recommending you do establish a will. Like I said, there are options out there for, like, the, you know, post office will pack. They're not the the best thing out there, but in terms of, like, pricing, they are a lot cheaper than going to, like, a lawyer and setting up, like, a $300 will. So it is an option there for you as well. If you follow the instructions, at least you've got something, and you do have some form of will. Yeah. And then within regards to that, if you do seek a lawyer as well, you can establish a power of attorney. I'm not a 100% sure what the post office rules if you can establish power of attorney, things like that. But it just means that in the event that anything did happen, there's someone there that can make financial sort of medical decisions for you if you're otherwise incapacitated as well. You can also, you know, pair that with advanced health care directives, things like that with wills and, you know, your power of attorneys. You know, it's sometimes a very hard time, and people sometimes make decisions that might not be, you know, something you want. Whether or not you wanna pull the plug or not, that's a sort of you decision. But in saying that if you're somewhat incapacitated, you can't make that decision for yourself. So if you preemptively put in a bit of writing, it makes it a lot easier on sort of everyone and that sort of thing. Yeah. Exactly. It takes a lot of the, you know, the conflict in those times between family members out of the equation and somewhat makes it just the decision easier as well versus, you know, what they want versus what you want. As far as remuneration's concerned, they've agreed to keep you on the 1.1¢ ongoing fee there. It is a bit lower than what the standard 1.65 is, and that was just due to your your lower balance there. They're happy to leave it at a bit of a lower rate to help your superannuation grow and, yeah, get that sort of compounding moving forward. I can't say for the the next interview what that might be. They might look at bumping it back up to the 1.65, but I managed to keep it to the 1.1 for you there. Based on balance, it'll be around $774.04 dollars then. And then in regards to, like, the authority to proceed, if you were happy with everything, we would change those underlying investments there that organize that rollover form there for you to do that partial rollover. And then up to the the estate planning side of things, it is up to you at the end of the day should you, you know, want to implement that advice because I can't force you to. Obviously, we can send out a copy of your beneficiary form to you just so you can sort of have that to fill out and which I might sort of get them to. Do you have access to a printer, or would you prefer just hard mail? Yep. I'll email you a copy of just the beneficiary form so you can sort of get that one updated there as well. Wait, sir. Yeah. It's just legal personal representative, and that will be the estate. Yep. Yep. And then, obviously, it gets directed there, and it'll be directed via will once you have that in place as well. Otherwise, it would just be up to, you know, whoever's trying to settle the estate with where the funds are and what's happening with that one. If you don't have a will in place, it can get a little bit messy. Got it. And then, yeah, obviously, in regards to setting up a will there, you've either got to do, like, your post office will or establish that with a lawyer with the the will and power of attorney and things like that as well. But do you have any questions in regards to that at all, John? Yeah. It obviously is quite simple in terms of what the recommendation is. We're looking at still keeping, you know, the active investment there and just pairing it with some passive ETFs and getting that moving forward and then just doing that retention strategy for your insurances currently until you get a chance to to doing that as well plus your estate planning matters. But as I said, we haven't run through, like, all the advantages, disadvantages. I don't wanna keep you on the phone for three hours, but feel free to have a read through it, see if you have any questions, and come back with it. I'll send off an email with the budget planner and just they'll send off the beneficiary forms and things like that when they get a chance. And then, yeah, if you do have any questions for that, just reply to my email. Have read through it, see if there's any questions that do pop up. And then if you're happy to sign it, then they'll get that implemented in the in the back end and get that all rolling once it comes through. Not a problem. Obviously, if you do sort of see anything in that regarding that and any sort of changes or any concerns you might have, feel free to just reach out. Otherwise, if it is signed there, that will sort of start once they get that come through and sort of get on to it. Maybe I'll just have a quick look and see if that one's popped back up. It may just take a second to come through back to me to say that it's fine. But that's not a problem at all. If they do have any issues with it, they'll just contact you anyway then. But, otherwise, I'll let you get back to it. I don't wanna have you on the phone too long, and I'll let you sort of get ready for your your long trip there. Maybe you can get away a bit earlier and sort of avoid some of the traffic, have a coffee in the other. But otherwise yeah. Otherwise, thanks for your time. I know it has been a bit on the phone there, and I'll I'll let you get back to the afternoon. Good luck with the the cat. Not a problem at all. Anytime, John, just reach out if you have any questions. No problem. Enjoy now. 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afternoon, John. It's Kyle calling from OCE Financial. How are you today? No. That's not a problem at all.\n\nI actually had a cancellation, so it works out alright for me. So it's pretty good. But just to jump into that there today there, John, if I could pass you through securities, that name, date of birth, and current address, we'll get stuck into that today. Perfect. Thanks for that on there, John.\n\nNow as you're aware, it obviously has been a little bit since we last spoke, so I do apologize for the wait. Obviously, the end of last year and a few business changes, it's just taken a second to to get through the backlog and get things rolling again with changing CRMs and everything. So I do apologize for the wait there. Just to confirm, though, since we did last speak, has there been any significant changes in regards to your circumstances? I know you're mainly focused on paying down your your personal loan, but any changes like occupation, things like that or anything?\n\nOkay. Nice. What sort are you sitting on at the moment in regards to gross income? That's not a problem. Just while you're doing that too, John, can I confirm that your email is still John.sa@Outlook.com?\n\nPerfect. Because that's what I'll be sending through those documents there today just to get a a start on that. So they're coming through. That'll just have the same advice, the Oakview services guide and the financial services guide that have been updated in regards to that as well as the the appendix and also the PDFs for your current retail super fund you have here with us. So that'll come through there shortly as well just so we're able to run through those together.\n\nYep. And then you just get the the 12%, obviously? Okay. So I did have, like, gross at 86 including the superannuation the last time we spoke. So yep.\n\nOkay. Yeah. No. Under understandable there. I'll just do a quick calculation based on that.\n\nSo it's $7.06 700, basically. Yes. It does come out to around the $80.86 mark. Maybe the last time we did speak, it was after you had that CPI increase before. So that's fine.\n\nOh, okay. Yeah. We I think we did speak around the July, I think, even, please. Yeah. Twenty seventh of the 2025.\n\nSo that would have been, yeah, just after your pay increase there. So that does sound about right in terms of, like, what you are getting there. Any other sort of major updates there, John? Okay. Yep.\n\nAnd is that how much did you manage to pay down on your your personal loan that you had previously? Yep. That's quite a significant whack that's still come off there given that you were, like, you know, over Christmas and everything, probably, you know, a little bit more lax with the budgeting than more so. Unfortunate, obviously, you know, that the vet bill is probably gonna bump that back up in terms of, like, your total level of debt. Sorry to hear about the cat, but, obviously, you know, it's still around given the vet bill.\n\nSo that's a bit of a positive there for you at the end of the day, even though the wallet probably doesn't agree with you there. Okay. Well, is this due to like a old age type thing or Okay. Look, honestly, doesn't sound like a bad laugh to me. But yeah.\n\nExactly. So no no fail. Obviously, the vet bill is not fantastic, but nice full life ahead then. But if that's all in regards to updates, it doesn't affect the advice piece majorly in terms of, like, the changes that have occurred there. I know you did have, like, a little bit of Afterpay and a bit of savings there as well.\n\nI'm assuming have you managed to get rid of the Afterpay, though? Yep. Okay. Yep. Yep.\n\nAnd that's a NAV after pay thousand dollar limit, and it's four payments? Yep. And then as far as the savings, I know you had a little bit in in regards to savings there. Have you managed to save up a little bit more even though it's over the Christmas break, or is it still around the sort of $300 mark? It is understandable, everything that has gone on.\n\nBut as long as you sort of focused on making sure that moving forward, yeah, you're still focusing on those debts. Obviously, you know, the unexpected ones that do come out in building that cash buffer, which I know you were already focused on. So that's good at least. Yeah. Well, at least the benefit of that is is that there's not too many more teeth to go if it does come down to that.\n\nSo fingers crossed there for you. But in regards to the email though there, John, did that one come through to be able to run through that there today? Yes. Correct. If you can open up that and then we can just run through that together in regards to the recommendation.\n\nIt is a pretty straightforward sort of recommendation to what we are because I know you were largely happy with everything. We're just reviewing your rollover retention and then also just having a look at your your investments there as well to make sure that that was still in your your best interest moving forward. I know we had the discussion around Benelon and what was occurring with that as well. So we're just doing a little update in regards to that. But as soon as you get a chance to open that up, we could run through that And what time do you have to leave?\n\nDo you have to leave shortly? Because I can make it a little bit quicker, and you have can have a chance to run through it in your spare time once you're you're home again. Okay. Not a yeah. That'll that'll be plenty of time.\n\nI'll even try and make it a little bit quicker. I know you don't wanna sort of run out the door. As I said, it is a quite a straightforward piece. I'll make sure to go through over the key points there for you. Probably only take about another sort of twenty, thirty minutes.\n\nSo depending on how many questions you might have just to cover the key points there. I'm not gonna read it word for word because I don't wanna put you to sleep on the other end there, but we'll touch on everything. So as far as the documents that was created for you by myself, Kyle, getting as an authorized representative under Oakview Financial with here as the team as well. As far as best interest to you to confirm confirm, we don't sort of make a recommendation with who feels gonna put you in a better position. As far as what we did consider there, I know you just wanted, yeah, as I said, review the the superannuation, make sure it was still getting nice returns while you're younger and contributing there.\n\nSo with that, we had a review of the retention strategy. And if it was on your best interest, we did scope out the personal insurances. I know you were still yet to go about your your sleep apnea and do all your blood tests and everything in a a later date. You're gonna get that sorted. Obviously, you know, it sounds like life's still being quite busy for you as well.\n\nSo once you do have a chance to get around to that, feel free to reach out, and we can review those personal insurances again as well, and if we can look at, like, full consolidation, things like that for you. Next financial year. Perfect. Yep. Understandable.\n\nI don't want you to sort of go backwards financially if you're sort of happy with how everything is ticking along and focusing on that debt first. So that's good there. In regards to your estate planning matters, I know you didn't sort of mention too much about it other than the fact that you do realize you do have to do a will, so we just put a recommendation in there. Obviously, we're not lawyers, so we can't look at writing up the will for you. We can look at, obviously, you know, how you might structure and things like that.\n\nBut given that you sort of, know, don't have the craziest estate, it should be quite a straightforward process and will for you. There is the option to go down to, like, the post office and do the post office wills as well. Even though they're not the most ironclad things, at least you got something there at the end of the day as well. As far as what's not considered here, I know we did mention budgeting, savings, go over that. I know you were just mainly focused on paying down the personal loan, but, obviously, you know, that's changed a little bit in regards to what you are paying off with the the personal loan and the the vet bill there as well.\n\nIt's good that you're not paying interest on that one compared to, like, the debt you previously had. So as long as you're sort of mindful on what debt you're trying to pay down additionally, obviously, you wanna potentially focus on the ones that are occurring interest if you are making additional repayments, as well as the ones that have those those timelines for the, you know, the four payments for your Afterpay one with NAB there. In regards to that debt management there as well and what you're still trying to do that, you're happy managing yourself for now. And then, obviously, travel plans and things like that and planning that out, savings, budgeting for that as well. It's all been scoped out, but we're aware of it for, like, later dates and things like that.\n\nAnd I can't remember the last time we spoke at all there. John, did you receive a copy of the budget planner? Did I send that through to you just to have for your own reference to be able to utilize? Yep. Okay.\n\nI'll send through as I said, I can't remember if I sent it through to you or not. I just a copy of, like, the OPU budget planner there. It's just a nice tool in order to plot out your expenses and monthly expenses just to track your income a little bit better there for you, and then moving forward there as well for your budgeting and saving. Obviously, you know, things like the vet bill obviously come out of the blue and you can't really prepare for things like that. But things, you know, like, Red Joe and like the, you know, the weekly expenses or monthly expenses in regards to, you know, Netflix and stuff like that.\n\nIt's nice to, one, put it all on a piece of paper to see where you might be able to, you know, cut back in regards to some discretionary spending, but also just to be able to prepare for those other bills there as well. So you're not sort of in, like, a never ending cycle of, like, you think you've got through, and then you've gotten, like, another payment that's come out of nowhere. Yeah. It is very similar. It's like an Excel spreadsheet document, but it's, like a a bit, you know, fancier.\n\nIt's put together to where it calculates it all for you manually, and you don't have to worry about trying to work your your hand in Excel. You can just put it all in there, change a few things around in regards to what's what, and it'll give you, like, your your negative or positive sort of cash flow. And you can play around with it a little bit and, you know, work things out a little bit better. Do, you know, have have double in the barefoot investor and things like that with the five accounts and, you know, splitting up your money. Those are all sort of ways that you can sort of look to to budget a bit better in regards to, like, your discretionary daily expenses and sort of bills and things like that as well.\n\nYeah. Perfect. Now as far as the advice to you, it's basically quite simple. It's partially roll over the MLC superannuation fund to the Netwealth account you do hold, retaining the minimum much like your original advice, and then changing the underlying investments within Netwealth. And then also a recommendation to put some beneficiary nominations in force, establish your will, and establish your power of attorney there as well.\n\nSo on page eight, you'll be able to see your details there. So just feel free to confirm that they are all correct. Same with over the page of assets and liabilities. Obviously, that's changed slightly since we since we last spoke, but it shouldn't affect the advice piece much at all because we're not doing any sort of cash flow and budgeting advice, things like that. Yep.\n\nNever ending March of time, unfortunately. That and COVID, I feel like, took a few years from all of us, so I don't I don't try to count those as much. Yeah. Perfect. The next page over that on page 10, there you'll be able to see your current superannuation, estimated balances in regards to your net worth in your MLC plus your MLC group cover.\n\nAs I said, can review that in future. I know you're just focusing on the the debt there first. So once you get around to those doctor's appointments and things like that and get, you know, clear or not or at least a diagnosis, we can definitely review and start that process again when you got a bit of time to just see what retail cover is available and what the pricing sort of looks like or even transfer terms and things like that. As far as the risk risk profile is concerned there, you did score high growth for keeping you within high growth, so there's not much of a change there. But do you have any questions in regards to your risk profile or the split between growth or defensive assets?\n\nYeah. Yep. Yeah. That, you know, that's sort of the way to look at at the end of the day there as well is that, like, over the shorter period of time, those high growth investments, like you said, quite volatile in the sense that they do have a lot of the ups and the downs, much like even now with what's occurring with the war with Iran. But, you know, twenty years from now, holding those growth assets, they do tend to finish quite well up over, like, a span of twenty to thirty years as opposed to, you know, other investments even with things like, you know, what did occur with COVID.\n\nObviously, it took quite a good dive and then it's come back from that one. And, obviously, now it's taken, like, another dive. In regards to to that one there, the Benelung Fund's the main one we're concerned about with what occurred with that one and changing that one out. Obviously, the portfolio updates a bit of a refresh in general just to get things, you know, more in line with Oakview's investment philosophy moving forward and having a bit of an update there for you at the end of the day there as well. I know you still wanted to maintain the the similar sort of, you know, having somewhat active investment within your portfolio and not going to the passive.\n\nSo we've looked at keeping that for you, and I'll I'll run over that as well. But, yeah, you're about 90% growth assets still and about 10% defensive is what you aim for, and you're pretty in line with that with the new recommendation there as well, if that makes sense. So as far as the the best interest, obviously, we're looking at keeping the 10,000 retained in in MLC. Obviously, keep your contributions going there. Each year, we'll sort of do a review and assess all of it's relevant to or a viable strategy to maintain that retention strategy, much like we've done.\n\nIn regards to having the two funds, you know, Netwealth, obviously, was outperforming the the MLC in regards to those returns and having the more visibility, having access to the service there as well. All reasons we've kept you in the the Netwealth account there. In regards to to that one as well and changing the investment, not only will it reduce investment cost there for you moving forward, it will also remove that underperforming Benelon, which is a bit of a sore spot in regards to your investment growth. But overall, it'll be a balance of ETFs and those managed funds to aim for those sort of not just the the long term growth, but also the ability to try and outperform the markets there with that managers and asset managers to try and, obviously, beat what the markets are doing as well for you. Yep.\n\nSo approximately based on those balances, 12,000 would be rolled over into your Netwealth account, and 10,000 would be retained in the MLC. Obviously, we haven't got the forms in here with Netwealth to do stuff to do the rollover form. So once we sort of if you're happy with everything, the team would probably contact you and then just organize the form to be able to complete that rollover. As far as the investment changes as well, that can just be completed in the background. But the benefit wait.\n\nSorry. I believe the TPA might be expired. So with that one, we can update that TPA, and then we can look at getting the updated balances, but still would have to sorta do the form. But if you don't wanna sorta have to log in and things like that, we can just get there. I can make a note of here to send you that TPA now so that I can check that balance for you.\n\nYeah. So it'll just be the rollover form. And then just to confirm sort of, like, once that's happening, if you are happy with everything, they'll just get the most up to date balance because with what's happening in the market, obviously, if you dropped a little bit and we just do the rollover that's based on that figure, then you might sort of be left less than the the 10,000. So that's what we'd wanna confirm at that time, if that makes sense. Perfect.\n\nThat should be let me just double check based on the figures. Yeah. So quite similar. It's actually going up a little bit. I'm assuming you've had a work contribution going probably in that time frame.\n\nUnfortunately, that is the what has been occurring at the moment with everything that has happened. Not the the most ideal scenario. But okay. Yeah. No.\n\nMakes sense. But that's a good thing anyway with the contributions going in even if it drops a tiny bit there. You'll still have those contributions going in to ensure those insurances remain active in the the interim. As far as the the benefits of this, obviously, it's in line with your your risk profile. It has a mix of passive and active investments, which you still wanted.\n\nAnd then by partially rolling over in the the future and that you will sort of reduce the the overall fees between the the two being split up with two different balances there having it, you know, more consolidated compounding towards your retirement goals there as well as well as remaining a a client there at Oakview Financial and the services that do come with that as well. Obviously, in regards to risk, there's always risk that, you know, the recommended investments don't perform as well just given that, you know, impartially, the investments are the one things that aren't guaranteed in terms of, like, guarantees with providing a service, unfortunately, because no one's got that crystal ball. I couldn't tell you what Trump's doing tomorrow, let alone yesterday. He's gonna you know, go goes much by the beat of his own drum. So with that, that all does play effects into what happens in the market within the short term there.\n\nObviously, in the long term, it has less of an impact in terms of, like, the longer term growth, but short term, it can have a lot of volatility impact. Now with in regards to with that volatility at the moment there, you may forego some potential sort of investment growth if the market was to sort of change in the time frame that you were switching over those investments with the changes. And then with that, it can also go the other way there as well, but that's something to be mindful of that. If the markets do change slightly while you're in a cash position, it can sort of have a a bit of a negative impact there as well with those percentages that it could rise or fall. We did consider, obviously, leaving everything as is and not changing anything, but, obviously, you know, the MLC fund's not performing that well either.\n\nIn regards to that, net wealth obviously has the better reporting. It has the access to more flexible arrangements in regards to advice strategies there as well. And then in regards to investment change, it will save you investment fees moving forward. We also did consider moving all the way back to to MLC, do that comparison, but it just worked out over a long term position. It will put you in a better position having the Netwealth account there and access to our service there as well.\n\nAnd then we also looked at changing the MLC investment from a growth to a high growth option. And given that the growth option there you do have is quite in line with, like, the high growth risk allocation, but in saying that you could look to change it to a high growth. But given that it might sort of bump you up a little bit higher there as well and given that your insurance premiums come out of there, we wanna look at maintaining those. It's not a bad thing to have it little less aggressively invested just to ensure that it doesn't sort of have those major fluctuations, if that makes sense. Yeah.\n\nSo given that we were to sort of just keep it looking at the around the $10,000 sort of mark, you know, with those market downturns, if you're in a quite aggressive option, it kind of sort of, you know, drop with that, and then you've got fees coming out, things like that as well. So having a few more defensive options and that isn't a bad thing. As I said, the growth option there probably is a little bit more than what we consider a growth option anyway. But overall, it sort of with that and take into consideration 10,000 with that investment option, it still puts you around that $90.10 split within regards to your assets. But if you go to page 17 there, you will see the buyers and sales in regards to the investment change there.\n\nNow with that one, we are looking at removing the Benelon, obviously, because it is quite a large portion, and it's obviously didn't perform too well with what happened in the market. So we're looking at removing that, offsetting some changes there with the the growth moving forward there and carrying the the loss through with that one. With the investment changes, we're looking at just updating the portfolio to be a bit more in line with what is happening, having a little bit less of an allocation to those managed funds. So when they do have a negative year, it doesn't affect your balance as much. You do have the JPMorgan Global Research enhanced index.\n\nSo it's an index fund, but it also has somewhat a degree of management. And then you've got Alfiniti, which is the managed fund there as well, which ran 10%, which will mean that it's a bit more of a satellite now. You won't have those major fluctuations like what has occurred with Benelon and how that did negatively impact your balance. The or the portfolio would still be the S and P 500 with around 20% invested in that one, and then the rest is sort of broken up between the Raffi Australian index, you know, across the Alfiniti and then the JP Global growth there with a few other alternative assets there as well. You have a bit of exposure in health care India and then also in gold and then a core bond, which is your defensive asset there as well, and then a little bit in cybersecurity.\n\nSo a real nice spread of, like, diversified ETFs there and some managed funds to hopefully give you a nice spread with those markets. Yeah. Because obviously being in the bed along there, you're quite sort of segregated in regards to in that one spot of Australia in that managed funds. So when that did poorly, it obviously affected your portfolio quite heavily. So not only will this sort of give you a bit of a different exposure in regards to a little bit in India and then also within that as well having, you know, across health care industries, cyber, and then also in regards to the, you know, physical gold as well as the commodities and then with the the managed funds there as well and the Rafi index in Australia.\n\nSo I have the within the Australian market as well and the Australian equities market. Obviously, in the appendix as well, you'll have links to all these investments. If you did wanna have a look around at them and what we are recommending In regards to that, obviously, you know, I can't say too much in regards to what you're previously seeing. That wasn't my recommendation there. But then moving forward, if you do have any questions in regards to that, we can look at sort of changing if you do have any issues with them or sort of the weightings or did have any concerns with that there as well.\n\nBut do you have any questions in regards to that or the the splits there for you? Yep. Yep. Understandable like Yeah. And look, some people, funny enough, have invested in Ethical.\n\nAnd given the cost of Ethical at the moment and sort of how it does perform, obviously, it takes quite a bit of money to sort of dictate what is ethical and what isn't. And then also sometimes even though you can be, like, in a carbon aware fund, but it's still got, like, a mining company that's trying to be carbon aware by offsetting it through some green space and things like that. So it's very hard to try and, you know, build a portfolio that is truly ethical. And then that comes at a higher cost, and it generally doesn't perform as well. So, generally, you know, a couple people I've seen have been in it for about a year, realize that it's a high cost, lower performing, and they jump out of it anyway.\n\nNot to say that we can't sprinkle in a few ethical investments in the future once you sort of wanna have a look at it, but, yeah, this is sort of more your conventional investment still. But it's not like it's targeting, you know, mining or child labor and things like that. It's obviously just your standard sort of large companies that sort of everyone sort of has a a finger in the pie. Yeah. No.\n\nWe're definitely definitely not that direct in regards to the investments, and these are all sort of those index funds anyway. So it depends on, like, the companies that are in it. You know, the S and P 500, I'd you know, I dare say that the top 500 companies in America, some are using some form of, like, potential, you know, child labor, things like that to to with their business and the growth in their business, but I couldn't say it for sure and then be slander if I didn't did say that directly, but, you know, it's one of those things. Every sort of corporation feels like it's been caught at once or twice doing some sort of dodgy thing. Yeah.\n\nAnd then, obviously, as I said, we can look at being, like, a little bit more ethically minded in the the future if that's something you did wanna have a look at as well. Understandable. I don't blame you at all. In regards to that risk profile, as I was saying, we aim for that ninety ten split. If you do look in regards to the allocation on page 19 there, you have a little bit less of exposure in the Australian equities market and a little bit more in the international, plus a little bit in the alternative growth side of things.\n\nThat is mainly your gold. So with that one there, even though it's considered to be, like, a bit of a split asset, like, being alternative with growth and defensive, they just accumulated, like, allocated to the growth side of things given how it has been for the last few years. So within regards to that, it can act as a bit of a defensive portion. Obviously, when things do go down within regards to wars and things like that, gold tends to sort of be negatively correlated. It tends to go up a little bit.\n\nPeople go back to that harder currency. But then also in regards to the Australian fixed interest, you do have sort of roughly the the same amount, and then you do have the cash holding there as well, and it sort of gives you around that $90.10 sort of split. Okay. Yep. The next page over there as well, you'll be able to see, like, a a table that illustrates the changes there.\n\nObviously, with the rollover from MLC to Netwealth, you will have more funds going into the Netwealth that will result in slightly higher administration adviser fees in that fund, but it'll also reduce administration costs in your the fund that for MLC because it has less of a balance. In addition to that as well, the investment fee will be lowered with the changes. So overall, you will be saving money. And with that projected adviser fee, that's based on some growth as well. So if that recommended investment doesn't perform as to, like, you know, the five year rolling averages there as well and what's going on in the markets, you will be charged less than that because it is a fluctuating figure based on what is occurring.\n\nAnd, obviously, you know, as I said, that's the one thing that isn't guaranteed and past performance isn't indicative of future performance, unfortunately. Otherwise, we could all pick the winners and I'll be out of a job. But, yeah, I'll be sipping pina coladas on the beach. Wouldn't it be nice? In regards to the figures and returns, you can see based on the portfolios and the breaks and then the three to five to ten years on page 21 there.\n\nJust have a look and sort of that past forms just give you an indication of what you're going into there. In addition to that, you'll also see the premium impact of your insurances on your MLC fund and what that does look like in terms of, like, balance and fee costs as well. Obviously, it's not, you know, a huge amount sort of different in regards to, you know, what that does sort of cost. And I believe that figure might even be backwards there. I'm just having a look at that one.\n\nSorry. Something about that feels a little bit off. I wouldn't sort of worry about that one too much. It was meant to illustrate the the impacts of having the insurances there, but it seems the figure has been skewed slightly and it's doubled up. So I'm not too sure what did occur there, so I'd probably just ignore that one.\n\nIt was just to illustrate the cost of insurances on your superannuation, but that's fine. Yeah. It does seem that there has been a bit of a a formatting error there, so apologies for that one. In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination. We are just recommending that you nominate the legal person representative.\n\nSo once you do a will, that will means it will go to your state. So with that one, the benefits are, It doesn't actually pay the the Medicare levy when going to the estate, which is nice. But in saying that if you sort of did have a dependent there or a spouse in the future, you can change it to them so they can receive the funds tax free as opposed to getting taxed. But with that, there also is the risk that when it goes to the estate, it does open it up to, you know, family fighting over the funds, whereas when it's currently, it's not a non estate asset, which is something to be mindful of at the end of the day as well. But given that, you know, if you did have a nomination currently as well, it might sort of be the fact that it's not valid anyway, and it might end up in the estate, if that makes sense.\n\nI've got Muriel and Barry as your recipients for Netwealth. Yeah. Okay. So yeah. So so, yeah, with that one there as well, obviously, you know, if you don't have a will in place, it still gets a bit messy.\n\nBut if you have a will in place, it makes it a lot more simplified. And, you know, in the future, if you do have a spouse, things like that, you can just change it. That's more than fine. But with Muriel and Barry there at the moment, it just wouldn't sort of be a valid nomination currently unless they're sort of dependent on you sort of financially or caring, things like that or some form of independent relationship, which is very hard to prove for the trustees of super, especially when you're gone and it's up to whoever's left in a trying time there as well. It can be a little bit difficult, if that makes sense.\n\nPerfect. Obviously, in conjunction with that, we are recommending you do establish a will. Like I said, there are options out there for, like, the, you know, post office will pack. They're not the the best thing out there, but in terms of, like, pricing, they are a lot cheaper than going to, like, a lawyer and setting up, like, a $300 will. So it is an option there for you as well.\n\nIf you follow the instructions, at least you've got something, and you do have some form of will. Yeah. And then within regards to that, if you do seek a lawyer as well, you can establish a power of attorney. I'm not a 100% sure what the post office rules if you can establish power of attorney, things like that. But it just means that in the event that anything did happen, there's someone there that can make financial sort of medical decisions for you if you're otherwise incapacitated as well.\n\nYou can also, you know, pair that with advanced health care directives, things like that with wills and, you know, your power of attorneys. You know, it's sometimes a very hard time, and people sometimes make decisions that might not be, you know, something you want. Whether or not you wanna pull the plug or not, that's a sort of you decision. But in saying that if you're somewhat incapacitated, you can't make that decision for yourself. So if you preemptively put in a bit of writing, it makes it a lot easier on sort of everyone and that sort of thing.\n\nYeah. Exactly. It takes a lot of the, you know, the conflict in those times between family members out of the equation and somewhat makes it just the decision easier as well versus, you know, what they want versus what you want. As far as remuneration's concerned, they've agreed to keep you on the 1.1¢ ongoing fee there. It is a bit lower than what the standard 1.65 is, and that was just due to your your lower balance there.\n\nThey're happy to leave it at a bit of a lower rate to help your superannuation grow and, yeah, get that sort of compounding moving forward. I can't say for the the next interview what that might be. They might look at bumping it back up to the 1.65, but I managed to keep it to the 1.1 for you there. Based on balance, it'll be around $774.04 dollars then. And then in regards to, like, the authority to proceed, if you were happy with everything, we would change those underlying investments there that organize that rollover form there for you to do that partial rollover.\n\nAnd then up to the the estate planning side of things, it is up to you at the end of the day should you, you know, want to implement that advice because I can't force you to. Obviously, we can send out a copy of your beneficiary form to you just so you can sort of have that to fill out and which I might sort of get them to. Do you have access to a printer, or would you prefer just hard mail? Yep. I'll email you a copy of just the beneficiary form so you can sort of get that one updated there as well.\n\nWait, sir. Yeah. It's just legal personal representative, and that will be the estate. Yep. Yep.\n\nAnd then, obviously, it gets directed there, and it'll be directed via will once you have that in place as well. Otherwise, it would just be up to, you know, whoever's trying to settle the estate with where the funds are and what's happening with that one. If you don't have a will in place, it can get a little bit messy. Got it. And then, yeah, obviously, in regards to setting up a will there, you've either got to do, like, your post office will or establish that with a lawyer with the the will and power of attorney and things like that as well.\n\nBut do you have any questions in regards to that at all, John? Yeah. It obviously is quite simple in terms of what the recommendation is. We're looking at still keeping, you know, the active investment there and just pairing it with some passive ETFs and getting that moving forward and then just doing that retention strategy for your insurances currently until you get a chance to to doing that as well plus your estate planning matters. But as I said, we haven't run through, like, all the advantages, disadvantages.\n\nI don't wanna keep you on the phone for three hours, but feel free to have a read through it, see if you have any questions, and come back with it. I'll send off an email with the budget planner and just they'll send off the beneficiary forms and things like that when they get a chance. And then, yeah, if you do have any questions for that, just reply to my email. Have read through it, see if there's any questions that do pop up. And then if you're happy to sign it, then they'll get that implemented in the in the back end and get that all rolling once it comes through.\n\nNot a problem. Obviously, if you do sort of see anything in that regarding that and any sort of changes or any concerns you might have, feel free to just reach out. Otherwise, if it is signed there, that will sort of start once they get that come through and sort of get on to it. Maybe I'll just have a quick look and see if that one's popped back up. It may just take a second to come through back to me to say that it's fine.\n\nBut that's not a problem at all. If they do have any issues with it, they'll just contact you anyway then. But, otherwise, I'll let you get back to it. I don't wanna have you on the phone too long, and I'll let you sort of get ready for your your long trip there. Maybe you can get away a bit earlier and sort of avoid some of the traffic, have a coffee in the other.\n\nBut otherwise yeah. Otherwise, thanks for your time. I know it has been a bit on the phone there, and I'll I'll let you get back to the afternoon. Good luck with the the cat. Not a problem at all.\n\nAnytime, John, just reach out if you have any questions. No problem. Enjoy now. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, John.","start":3.12,"end":3.84,"sentiment":"positive","sentiment_score":0.4434761305650075},{"text":"It's Kyle calling from OCE Financial.","start":3.84,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.28154831131299335},{"text":"How are you today?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.30888018012046814},{"text":"No.","start":10.4,"end":10.559999,"sentiment":"neutral","sentiment_score":0.1986357867717743},{"text":"That's not a problem at all.","start":10.559999,"end":11.599999,"sentiment":"neutral","sentiment_score":0.303744542102019}],"sentiment":"neutral","sentiment_score":0.31381710097193716,"num_words":20,"start":3.12,"end":11.599999},{"sentences":[{"text":"I actually had a cancellation, so it works out alright for me.","start":11.599999,"end":14.9,"sentiment":"neutral","sentiment_score":0.3050321328143279},{"text":"So it's pretty good.","start":15.04,"end":16.955,"sentiment":"positive","sentiment_score":0.6095466166734695},{"text":"But just to jump into that there today there, John, if I could pass you through securities, that name, date of birth, and current address, we'll get stuck into that today.","start":17.015,"end":24.235,"sentiment":"neutral","sentiment_score":0.13771366111693845},{"text":"Perfect.","start":40.565002,"end":40.965,"sentiment":"positive","sentiment_score":0.5096231698989868},{"text":"Thanks for that on there, John.","start":40.965,"end":42.345,"sentiment":"positive","sentiment_score":0.6001254916191101}],"sentiment":"neutral","sentiment_score":0.2681124384204547,"num_words":54,"start":11.599999,"end":42.345},{"sentences":[{"text":"Now as you're aware, it obviously has been a little bit since we last spoke, so I do apologize for the wait.","start":42.805,"end":47.945,"sentiment":"neutral","sentiment_score":-0.11662175006825816},{"text":"Obviously, the end of last year and a few business changes, it's just taken a second to to get through the backlog and get things rolling again with changing CRMs and everything.","start":48.405,"end":57.34,"sentiment":"neutral","sentiment_score":-0.11130377021618187},{"text":"So I do apologize for the wait there.","start":57.34,"end":59.04,"sentiment":"neutral","sentiment_score":-0.1844477690756321},{"text":"Just to confirm, though, since we did last speak, has there been any significant changes in regards to your circumstances?","start":59.579998,"end":65.84,"sentiment":"neutral","sentiment_score":-0.08646777011454106},{"text":"I know you're mainly focused on paying down your your personal loan, but any changes like occupation, things like that or anything?","start":65.9,"end":71.36,"sentiment":"neutral","sentiment_score":-0.05599761635742404}],"sentiment":"neutral","sentiment_score":-0.10157965637671833,"num_words":104,"start":42.805,"end":71.36},{"sentences":[{"text":"Okay.","start":82.745,"end":83.225006,"sentiment":"neutral","sentiment_score":0.08297283947467804},{"text":"Nice.","start":83.225006,"end":83.725006,"sentiment":"neutral","sentiment_score":0.15403205156326294},{"text":"What sort are you sitting on at the moment in regards to gross income?","start":83.945,"end":87.005005,"sentiment":"neutral","sentiment_score":0.004632726045591491},{"text":"That's not a problem.","start":96.5,"end":97.479996,"sentiment":"neutral","sentiment_score":0.185909453779459},{"text":"Just while you're doing that too, John, can I confirm that your email is still John.sa@Outlook.com?","start":98.899994,"end":104.915,"sentiment":"neutral","sentiment_score":0.0576439737342298}],"sentiment":"neutral","sentiment_score":0.05466123473727041,"num_words":36,"start":82.745,"end":104.915},{"sentences":[{"text":"Perfect.","start":106.975006,"end":107.295006,"sentiment":"positive","sentiment_score":0.4286572337150574},{"text":"Because that's what I'll be sending through those documents there today just to get a a start on that.","start":107.295006,"end":112.93,"sentiment":"neutral","sentiment_score":0.26377308839245844},{"text":"So they're coming through.","start":112.93,"end":113.97,"sentiment":"neutral","sentiment_score":0.10401689913123846},{"text":"That'll just have the same advice, the Oakview services guide and the financial services guide that have been updated in regards to that as well as the the appendix and also the PDFs for your current retail super fund you have here with us.","start":113.97,"end":125.355,"sentiment":"neutral","sentiment_score":0.16586236892776055},{"text":"So that'll come through there shortly as well just so we're able to run through those together.","start":125.595,"end":129.85501,"sentiment":"neutral","sentiment_score":0.14327269704902873}],"sentiment":"neutral","sentiment_score":0.18341168932178442,"num_words":85,"start":106.975006,"end":129.85501},{"sentences":[{"text":"Yep.","start":151.14499,"end":151.64499,"sentiment":"neutral","sentiment_score":0.04587141424417496},{"text":"And then you just get the the 12%, obviously?","start":151.78499,"end":154.28499,"sentiment":"neutral","sentiment_score":0.023734312918451097},{"text":"Okay.","start":166.12,"end":166.36,"sentiment":"neutral","sentiment_score":0.06601405143737793},{"text":"So I did have, like, gross at 86 including the superannuation the last time we spoke.","start":166.36,"end":172.7,"sentiment":"neutral","sentiment_score":0.023889500182121992},{"text":"So yep.","start":173.48,"end":185.275,"sentiment":"neutral","sentiment_score":-0.044381411746144295}],"sentiment":"neutral","sentiment_score":0.02134356763342331,"num_words":29,"start":151.14499,"end":185.275},{"sentences":[{"text":"Okay.","start":196.47,"end":196.97,"sentiment":"neutral","sentiment_score":-0.2501506805419922},{"text":"Yeah.","start":208.56499,"end":209.06499,"sentiment":"neutral","sentiment_score":-0.1862470805644989},{"text":"No.","start":210.57999,"end":210.73999,"sentiment":"neutral","sentiment_score":-0.3206999599933624},{"text":"Under understandable there.","start":210.73999,"end":212.35999,"sentiment":"neutral","sentiment_score":-0.2644914189974467},{"text":"I'll just do a quick calculation based on that.","start":212.57999,"end":214.9,"sentiment":"neutral","sentiment_score":-0.13269557472732332}],"sentiment":"neutral","sentiment_score":-0.18298881004254022,"num_words":15,"start":196.47,"end":214.9},{"sentences":[{"text":"So it's $7.06 700, basically.","start":214.9,"end":217.56,"sentiment":"neutral","sentiment_score":-0.10124599188566208},{"text":"Yes.","start":221.14,"end":221.45999,"sentiment":"neutral","sentiment_score":0.07347941398620605},{"text":"It does come out to around the $80.86 mark.","start":221.45999,"end":223.875,"sentiment":"neutral","sentiment_score":0.07774394212497605},{"text":"Maybe the last time we did speak, it was after you had that CPI increase before.","start":223.875,"end":229.575,"sentiment":"neutral","sentiment_score":-0.005907097249291837},{"text":"So that's fine.","start":230.995,"end":232.055,"sentiment":"neutral","sentiment_score":0.044299290825923286}],"sentiment":"neutral","sentiment_score":0.0089802720638759,"num_words":34,"start":214.9,"end":232.055},{"sentences":[{"text":"Oh, okay.","start":239.09,"end":239.41,"sentiment":"neutral","sentiment_score":0.04287337139248848},{"text":"Yeah.","start":239.41,"end":239.56999,"sentiment":"neutral","sentiment_score":0.04787149280309677},{"text":"We I think we did speak around the July, I think, even, please.","start":239.56999,"end":245.34999,"sentiment":"neutral","sentiment_score":0.04908582109671373},{"text":"Yeah.","start":245.97,"end":246.37,"sentiment":"neutral","sentiment_score":0.0353744700551033},{"text":"Twenty seventh of the 2025.","start":246.37,"end":250.05501,"sentiment":"neutral","sentiment_score":0.030648697912693024}],"sentiment":"neutral","sentiment_score":0.04365235770290548,"num_words":22,"start":239.09,"end":250.05501},{"sentences":[{"text":"So that would have been, yeah, just after your pay increase there.","start":250.05501,"end":252.875,"sentiment":"neutral","sentiment_score":0.030452484420190256},{"text":"So that does sound about right in terms of, like, what you are getting there.","start":253.255,"end":258.155,"sentiment":"neutral","sentiment_score":0.08080727259318034},{"text":"Any other sort of major updates there, John?","start":258.855,"end":261.12,"sentiment":"neutral","sentiment_score":0.00991693465039134},{"text":"Okay.","start":272.72,"end":273.12,"sentiment":"neutral","sentiment_score":0.09060430526733398},{"text":"Yep.","start":273.12,"end":273.495,"sentiment":"neutral","sentiment_score":0.09358789026737212}],"sentiment":"neutral","sentiment_score":0.04975855607237365,"num_words":37,"start":250.05501,"end":273.495},{"sentences":[{"text":"And is that how much did you manage to pay down on your your personal loan that you had previously?","start":273.815,"end":278.555,"sentiment":"neutral","sentiment_score":0.09610678069293499},{"text":"Yep.","start":288.87,"end":289.37,"sentiment":"neutral","sentiment_score":-0.11072175204753876},{"text":"That's quite a significant whack that's still come off there given that you were, like, you know, over Christmas and everything, probably, you know, a little bit more lax with the budgeting than more so.","start":299.445,"end":307.305,"sentiment":"negative","sentiment_score":-0.6135415852069854},{"text":"Unfortunate, obviously, you know, that the vet bill is probably gonna bump that back up in terms of, like, your total level of debt.","start":307.525,"end":313.72,"sentiment":"negative","sentiment_score":-0.597219613691171},{"text":"Sorry to hear about the cat, but, obviously, you know, it's still around given the vet bill.","start":314.26,"end":318.18002,"sentiment":"neutral","sentiment_score":-0.17357647199841106}],"sentiment":"negative","sentiment_score":-0.3808929110617982,"num_words":97,"start":273.815,"end":318.18002},{"sentences":[{"text":"So that's a bit of a positive there for you at the end of the day, even though the wallet probably doesn't agree with you there.","start":318.18002,"end":324.36002,"sentiment":"neutral","sentiment_score":-0.21204366735540903},{"text":"Okay.","start":332.405,"end":332.905,"sentiment":"neutral","sentiment_score":-0.12258492410182951},{"text":"Well, is this due to like a old age type thing or Okay.","start":337.94,"end":356.695,"sentiment":"neutral","sentiment_score":-0.2171350196003914},{"text":"Look, honestly, doesn't sound like a bad laugh to me.","start":373.345,"end":375.925,"sentiment":"neutral","sentiment_score":0.1314314305782318},{"text":"But yeah.","start":376.305,"end":378.885,"sentiment":"neutral","sentiment_score":0.023650173097848892}],"sentiment":"neutral","sentiment_score":-0.13647809381095263,"num_words":52,"start":318.18002,"end":378.885},{"sentences":[{"text":"Exactly.","start":381.585,"end":382.065,"sentiment":"neutral","sentiment_score":0.224050372838974},{"text":"So no no fail.","start":382.065,"end":383.665,"sentiment":"neutral","sentiment_score":0.1560690701007843},{"text":"Obviously, the vet bill is not fantastic, but nice full life ahead then.","start":383.665,"end":389.28,"sentiment":"neutral","sentiment_score":0.008672170914136447},{"text":"But if that's all in regards to updates, it doesn't affect the advice piece majorly in terms of, like, the changes that have occurred there.","start":390.14,"end":397.76,"sentiment":"neutral","sentiment_score":-0.035083365142345425},{"text":"I know you did have, like, a little bit of Afterpay and a bit of savings there as well.","start":399.19498,"end":403.19498,"sentiment":"neutral","sentiment_score":0.013515417415060495}],"sentiment":"neutral","sentiment_score":0.00549634963634514,"num_words":62,"start":381.585,"end":403.19498},{"sentences":[{"text":"I'm assuming have you managed to get rid of the Afterpay, though?","start":403.19498,"end":405.85498,"sentiment":"neutral","sentiment_score":-0.051701541213939585},{"text":"Yep.","start":417.13,"end":417.63,"sentiment":"neutral","sentiment_score":-0.02846044115722179},{"text":"Okay.","start":426.34497,"end":426.745,"sentiment":"neutral","sentiment_score":0.021092675626277924},{"text":"Yep.","start":426.745,"end":427.245,"sentiment":"neutral","sentiment_score":0.03887857124209404},{"text":"Yep.","start":442.84,"end":443.34,"sentiment":"neutral","sentiment_score":-0.17875587940216064}],"sentiment":"neutral","sentiment_score":-0.047978973016142845,"num_words":16,"start":403.19498,"end":443.34},{"sentences":[{"text":"And that's a NAV after pay thousand dollar limit, and it's four payments?","start":456.77502,"end":460.23502,"sentiment":"neutral","sentiment_score":0.008316182459776219},{"text":"Yep.","start":482.815,"end":483.315,"sentiment":"neutral","sentiment_score":0.11241644620895386},{"text":"And then as far as the savings, I know you had a little bit in in regards to savings there.","start":483.375,"end":487.375,"sentiment":"neutral","sentiment_score":0.07320574279874563},{"text":"Have you managed to save up a little bit more even though it's over the Christmas break, or is it still around the sort of $300 mark?","start":487.375,"end":497.28998,"sentiment":"neutral","sentiment_score":0.061162577838533454},{"text":"It is understandable, everything that has gone on.","start":506.085,"end":508.505,"sentiment":"neutral","sentiment_score":-0.0008590100333094597}],"sentiment":"neutral","sentiment_score":0.048248683993259205,"num_words":69,"start":456.77502,"end":508.505},{"sentences":[{"text":"But as long as you sort of focused on making sure that moving forward, yeah, you're still focusing on those debts.","start":509.125,"end":515.37,"sentiment":"neutral","sentiment_score":-0.0400679370477086},{"text":"Obviously, you know, the unexpected ones that do come out in building that cash buffer, which I know you were already focused on.","start":515.37,"end":520.49,"sentiment":"neutral","sentiment_score":0.003784728115019591},{"text":"So that's good at least.","start":520.49,"end":521.79,"sentiment":"neutral","sentiment_score":0.23938546776771547},{"text":"Yeah.","start":529.865,"end":530.365,"sentiment":"neutral","sentiment_score":0.024863434955477715},{"text":"Well, at least the benefit of that is is that there's not too many more teeth to go if it does come down to that.","start":531.145,"end":538.265,"sentiment":"neutral","sentiment_score":0.12390357941389084}],"sentiment":"neutral","sentiment_score":0.04753336437046528,"num_words":75,"start":509.125,"end":538.265},{"sentences":[{"text":"So fingers crossed there for you.","start":538.265,"end":540.525,"sentiment":"neutral","sentiment_score":0.20490320771932602},{"text":"But in regards to the email though there, John, did that one come through to be able to run through that there today?","start":541.065,"end":547.8,"sentiment":"neutral","sentiment_score":0.00432667192881522},{"text":"Yes.","start":557.715,"end":558.115,"sentiment":"neutral","sentiment_score":0.11811888962984084},{"text":"Correct.","start":558.115,"end":558.615,"sentiment":"neutral","sentiment_score":0.2161734700202942},{"text":"If you can open up that and then we can just run through that together in regards to the recommendation.","start":558.995,"end":564.295,"sentiment":"neutral","sentiment_score":0.18696133494377137}],"sentiment":"neutral","sentiment_score":0.10593042665106409,"num_words":51,"start":538.265,"end":564.295},{"sentences":[{"text":"It is a pretty straightforward sort of recommendation to what we are because I know you were largely happy with everything.","start":565.795,"end":572.37,"sentiment":"positive","sentiment_score":0.38956705871082487},{"text":"We're just reviewing your rollover retention and then also just having a look at your your investments there as well to make sure that that was still in your your best interest moving forward.","start":572.37,"end":580.77,"sentiment":"neutral","sentiment_score":0.2605362111592994},{"text":"I know we had the discussion around Benelon and what was occurring with that as well.","start":580.77,"end":585.82495,"sentiment":"neutral","sentiment_score":0.03907310380600393},{"text":"So we're just doing a little update in regards to that.","start":586.125,"end":590.94495,"sentiment":"neutral","sentiment_score":0.13949131762439554},{"text":"But as soon as you get a chance to open that up, we could run through that And what time do you have to leave?","start":591.40497,"end":596.09,"sentiment":"neutral","sentiment_score":0.052992175966501236}],"sentiment":"neutral","sentiment_score":0.19180857912402285,"num_words":107,"start":565.795,"end":596.09},{"sentences":[{"text":"Do you have to leave shortly?","start":596.09,"end":597.05,"sentiment":"neutral","sentiment_score":-0.026738631228605907},{"text":"Because I can make it a little bit quicker, and you have can have a chance to run through it in your spare time once you're you're home again.","start":597.05,"end":601.95,"sentiment":"neutral","sentiment_score":0.15011131069783507},{"text":"Okay.","start":615.945,"end":616.445,"sentiment":"neutral","sentiment_score":-0.0016696695238351822},{"text":"Not a yeah.","start":617.625,"end":618.92,"sentiment":"neutral","sentiment_score":-0.17813323438167572},{"text":"That'll that'll be plenty of time.","start":618.92,"end":620.36,"sentiment":"neutral","sentiment_score":0.1346086785197258}],"sentiment":"neutral","sentiment_score":0.0992084204736683,"num_words":45,"start":596.09,"end":620.36},{"sentences":[{"text":"I'll even try and make it a little bit quicker.","start":620.36,"end":621.88,"sentiment":"neutral","sentiment_score":0.18571387976408005},{"text":"I know you don't wanna sort of run out the door.","start":621.88,"end":623.56,"sentiment":"neutral","sentiment_score":-0.2598472278226506},{"text":"As I said, it is a quite a straightforward piece.","start":623.56,"end":625.48,"sentiment":"neutral","sentiment_score":0.2744636319577694},{"text":"I'll make sure to go through over the key points there for you.","start":625.48,"end":628.3,"sentiment":"neutral","sentiment_score":0.2865503201117882},{"text":"Probably only take about another sort of twenty, thirty minutes.","start":628.51996,"end":631.31995,"sentiment":"neutral","sentiment_score":0.06108363214880228}],"sentiment":"neutral","sentiment_score":0.11258233507612238,"num_words":54,"start":620.36,"end":631.31995},{"sentences":[{"text":"So depending on how many questions you might have just to cover the key points there.","start":631.31995,"end":635.055,"sentiment":"neutral","sentiment_score":0.07148076593875885},{"text":"I'm not gonna read it word for word because I don't wanna put you to sleep on the other end there, but we'll touch on everything.","start":635.055,"end":641.315,"sentiment":"neutral","sentiment_score":-0.12369541150446121},{"text":"So as far as the documents that was created for you by myself, Kyle, getting as an authorized representative under Oakview Financial with here as the team as well.","start":641.695,"end":648.39,"sentiment":"neutral","sentiment_score":0.0744781030406212},{"text":"As far as best interest to you to confirm confirm, we don't sort of make a recommendation with who feels gonna put you in a better position.","start":648.79004,"end":654.33,"sentiment":"negative","sentiment_score":-0.42338850376782594},{"text":"As far as what we did consider there, I know you just wanted, yeah, as I said, review the the superannuation, make sure it was still getting nice returns while you're younger and contributing there.","start":654.79004,"end":663.675,"sentiment":"neutral","sentiment_score":0.1148301186306136}],"sentiment":"neutral","sentiment_score":-0.055074878989305714,"num_words":133,"start":631.31995,"end":663.675},{"sentences":[{"text":"So with that, we had a review of the retention strategy.","start":664.235,"end":666.815,"sentiment":"neutral","sentiment_score":0.08795036316256631},{"text":"And if it was on your best interest, we did scope out the personal insurances.","start":667.195,"end":670.315,"sentiment":"neutral","sentiment_score":0.05504606813192368},{"text":"I know you were still yet to go about your your sleep apnea and do all your blood tests and everything in a a later date.","start":670.315,"end":676.075,"sentiment":"neutral","sentiment_score":-0.006468693654124553},{"text":"You're gonna get that sorted.","start":676.075,"end":677.27496,"sentiment":"neutral","sentiment_score":-0.021958516049198806},{"text":"Obviously, you know, it sounds like life's still being quite busy for you as well.","start":677.27496,"end":680.50995,"sentiment":"neutral","sentiment_score":-0.0707665557662646}],"sentiment":"neutral","sentiment_score":0.006300945347498378,"num_words":72,"start":664.235,"end":680.50995},{"sentences":[{"text":"So once you do have a chance to get around to that, feel free to reach out, and we can review those personal insurances again as well, and if we can look at, like, full consolidation, things like that for you.","start":680.50995,"end":690.495,"sentiment":"neutral","sentiment_score":0.09008126251581239},{"text":"Next financial year.","start":695.535,"end":696.415,"sentiment":"neutral","sentiment_score":0.21579239765803018},{"text":"Perfect.","start":696.415,"end":696.915,"sentiment":"positive","sentiment_score":0.7070775628089905},{"text":"Yep.","start":702.83,"end":703.23,"sentiment":"neutral","sentiment_score":0.13557788729667664},{"text":"Understandable.","start":703.23,"end":703.73,"sentiment":"neutral","sentiment_score":0.1301441192626953}],"sentiment":"neutral","sentiment_score":0.11305337288278214,"num_words":47,"start":680.50995,"end":703.73},{"sentences":[{"text":"I don't want you to sort of go backwards financially if you're sort of happy with how everything is ticking along and focusing on that debt first.","start":703.95,"end":709.95,"sentiment":"neutral","sentiment_score":-0.1207923008887856},{"text":"So that's good there.","start":709.95,"end":711.65,"sentiment":"neutral","sentiment_score":0.3180631324648857},{"text":"In regards to your estate planning matters, I know you didn't sort of mention too much about it other than the fact that you do realize you do have to do a will, so we just put a recommendation in there.","start":712.35004,"end":721.005,"sentiment":"neutral","sentiment_score":0.05148441989610835},{"text":"Obviously, we're not lawyers, so we can't look at writing up the will for you.","start":721.005,"end":725.885,"sentiment":"neutral","sentiment_score":0.02907326171795527},{"text":"We can look at, obviously, you know, how you might structure and things like that.","start":725.885,"end":728.525,"sentiment":"neutral","sentiment_score":0.06497265249490738}],"sentiment":"neutral","sentiment_score":0.015023630733291308,"num_words":102,"start":703.95,"end":728.525},{"sentences":[{"text":"But given that you sort of, know, don't have the craziest estate, it should be quite a straightforward process and will for you.","start":728.525,"end":734.08,"sentiment":"neutral","sentiment_score":0.17503356982184493},{"text":"There is the option to go down to, like, the post office and do the post office wills as well.","start":734.08,"end":738.08,"sentiment":"neutral","sentiment_score":0.08783077970147132},{"text":"Even though they're not the most ironclad things, at least you got something there at the end of the day as well.","start":738.08,"end":742.575,"sentiment":"neutral","sentiment_score":0.04808869708160108},{"text":"As far as what's not considered here, I know we did mention budgeting, savings, go over that.","start":743.615,"end":749.935,"sentiment":"neutral","sentiment_score":-0.04137474550482105},{"text":"I know you were just mainly focused on paying down the personal loan, but, obviously, you know, that's changed a little bit in regards to what you are paying off with the the personal loan and the the vet bill there as well.","start":749.935,"end":760.05005,"sentiment":"neutral","sentiment_score":-0.011543635820406814}],"sentiment":"neutral","sentiment_score":0.04512473617494106,"num_words":125,"start":728.525,"end":760.05005},{"sentences":[{"text":"It's good that you're not paying interest on that one compared to, like, the debt you previously had.","start":760.19,"end":764.35004,"sentiment":"positive","sentiment_score":0.4600075880686442},{"text":"So as long as you're sort of mindful on what debt you're trying to pay down additionally, obviously, you wanna potentially focus on the ones that are occurring interest if you are making additional repayments, as well as the ones that have those those timelines for the, you know, the four payments for your Afterpay one with NAB there.","start":764.35004,"end":781.58496,"sentiment":"neutral","sentiment_score":0.2378964261230776},{"text":"In regards to that debt management there as well and what you're still trying to do that, you're happy managing yourself for now.","start":783.94,"end":790.98,"sentiment":"positive","sentiment_score":0.5401807258958402},{"text":"And then, obviously, travel plans and things like that and planning that out, savings, budgeting for that as well.","start":790.98,"end":795.685,"sentiment":"positive","sentiment_score":0.37069130100701986},{"text":"It's all been scoped out, but we're aware of it for, like, later dates and things like that.","start":795.685,"end":799.84503,"sentiment":"neutral","sentiment_score":0.14381447061896324}],"sentiment":"neutral","sentiment_score":0.3238830482655198,"num_words":137,"start":760.19,"end":799.84503},{"sentences":[{"text":"And I can't remember the last time we spoke at all there.","start":799.84503,"end":802.805,"sentiment":"neutral","sentiment_score":-0.0033555927608783045},{"text":"John, did you receive a copy of the budget planner?","start":802.805,"end":805.78503,"sentiment":"neutral","sentiment_score":0.026362899318337442},{"text":"Did I send that through to you just to have for your own reference to be able to utilize?","start":806.85,"end":810.48,"sentiment":"neutral","sentiment_score":0.043757193966915735},{"text":"Yep.","start":819.905,"end":820.405,"sentiment":"neutral","sentiment_score":-0.034167759120464325},{"text":"Okay.","start":821.665,"end":822.065,"sentiment":"neutral","sentiment_score":0.07757293432950974}],"sentiment":"neutral","sentiment_score":0.025538459084494862,"num_words":43,"start":799.84503,"end":822.065},{"sentences":[{"text":"I'll send through as I said, I can't remember if I sent it through to you or not.","start":822.065,"end":825.185,"sentiment":"neutral","sentiment_score":0.041982725728303194},{"text":"I just a copy of, like, the OPU budget planner there.","start":825.185,"end":828.225,"sentiment":"neutral","sentiment_score":0.1665831750089472},{"text":"It's just a nice tool in order to plot out your expenses and monthly expenses just to track your income a little bit better there for you, and then moving forward there as well for your budgeting and saving.","start":828.225,"end":839.02997,"sentiment":"positive","sentiment_score":0.39234711879338974},{"text":"Obviously, you know, things like the vet bill obviously come out of the blue and you can't really prepare for things like that.","start":839.25,"end":844.47,"sentiment":"neutral","sentiment_score":-0.06518263807115347},{"text":"But things, you know, like, Red Joe and like the, you know, the weekly expenses or monthly expenses in regards to, you know, Netflix and stuff like that.","start":844.61,"end":852.655,"sentiment":"neutral","sentiment_score":0.09744063964379686}],"sentiment":"neutral","sentiment_score":0.16066200718941057,"num_words":119,"start":822.065,"end":852.655},{"sentences":[{"text":"It's nice to, one, put it all on a piece of paper to see where you might be able to, you know, cut back in regards to some discretionary spending, but also just to be able to prepare for those other bills there as well.","start":852.655,"end":862.655,"sentiment":"positive","sentiment_score":0.35594483129680154},{"text":"So you're not sort of in, like, a never ending cycle of, like, you think you've got through, and then you've gotten, like, another payment that's come out of nowhere.","start":862.655,"end":869.37,"sentiment":"neutral","sentiment_score":-0.0144454893656075},{"text":"Yeah.","start":875.35,"end":875.85,"sentiment":"neutral","sentiment_score":0.266686350107193},{"text":"It is very similar.","start":876.39,"end":877.51,"sentiment":"neutral","sentiment_score":0.2765929475426674},{"text":"It's like an Excel spreadsheet document, but it's, like a a bit, you know, fancier.","start":877.51,"end":881.145,"sentiment":"neutral","sentiment_score":0.2905671785275141}],"sentiment":"neutral","sentiment_score":0.22437598469029915,"num_words":95,"start":852.655,"end":881.145},{"sentences":[{"text":"It's put together to where it calculates it all for you manually, and you don't have to worry about trying to work your your hand in Excel.","start":881.145,"end":887.085,"sentiment":"positive","sentiment_score":0.3516803593547256},{"text":"You can just put it all in there, change a few things around in regards to what's what, and it'll give you, like, your your negative or positive sort of cash flow.","start":887.145,"end":893.945,"sentiment":"neutral","sentiment_score":0.29030780540779233},{"text":"And you can play around with it a little bit and, you know, work things out a little bit better.","start":893.945,"end":897.44,"sentiment":"positive","sentiment_score":0.36102205216884614},{"text":"Do, you know, have have double in the barefoot investor and things like that with the five accounts and, you know, splitting up your money.","start":897.44,"end":903.38,"sentiment":"neutral","sentiment_score":0.1561112481355667},{"text":"Those are all sort of ways that you can sort of look to to budget a bit better in regards to, like, your discretionary daily expenses and sort of bills and things like that as well.","start":903.6,"end":912.47504,"sentiment":"neutral","sentiment_score":0.1847132115314404}],"sentiment":"neutral","sentiment_score":0.26112940955374925,"num_words":140,"start":881.145,"end":912.47504},{"sentences":[{"text":"Yeah.","start":915.015,"end":915.515,"sentiment":"neutral","sentiment_score":0.24163863062858584},{"text":"Perfect.","start":916.055,"end":916.555,"sentiment":"positive","sentiment_score":0.3700246810913086},{"text":"Now as far as the advice to you, it's basically quite simple.","start":917.415,"end":920.135,"sentiment":"neutral","sentiment_score":0.1403184961527586},{"text":"It's partially roll over the MLC superannuation fund to the Netwealth account you do hold, retaining the minimum much like your original advice, and then changing the underlying investments within Netwealth.","start":920.135,"end":929.54004,"sentiment":"neutral","sentiment_score":0.13335298170005122},{"text":"And then also a recommendation to put some beneficiary nominations in force, establish your will, and establish your power of attorney there as well.","start":929.76,"end":937.46,"sentiment":"neutral","sentiment_score":0.1596003525579969}],"sentiment":"neutral","sentiment_score":0.1486932776760364,"num_words":69,"start":915.015,"end":937.46},{"sentences":[{"text":"So on page eight, you'll be able to see your details there.","start":937.84,"end":941.095,"sentiment":"neutral","sentiment_score":0.17817923799157143},{"text":"So just feel free to confirm that they are all correct.","start":941.235,"end":943.795,"sentiment":"neutral","sentiment_score":0.22407953305677933},{"text":"Same with over the page of assets and liabilities.","start":943.795,"end":946.135,"sentiment":"neutral","sentiment_score":0.10995886309279336},{"text":"Obviously, that's changed slightly since we since we last spoke, but it shouldn't affect the advice piece much at all because we're not doing any sort of cash flow and budgeting advice, things like that.","start":946.355,"end":955.01495,"sentiment":"neutral","sentiment_score":0.024675326687949046},{"text":"Yep.","start":965.02997,"end":965.52997,"sentiment":"neutral","sentiment_score":-0.021828239783644676}],"sentiment":"neutral","sentiment_score":0.09462446590666385,"num_words":68,"start":937.84,"end":965.52997},{"sentences":[{"text":"Never ending March of time, unfortunately.","start":965.75,"end":967.69,"sentiment":"neutral","sentiment_score":-0.2926408996184667},{"text":"That and COVID, I feel like, took a few years from all of us, so I don't I don't try to count those as much.","start":967.99,"end":976.72504,"sentiment":"neutral","sentiment_score":-0.2540384213626385},{"text":"Yeah.","start":982.145,"end":982.385,"sentiment":"positive","sentiment_score":0.46925169229507446},{"text":"Perfect.","start":982.385,"end":982.885,"sentiment":"positive","sentiment_score":0.6689777374267578},{"text":"The next page over that on page 10, there you'll be able to see your current superannuation, estimated balances in regards to your net worth in your MLC plus your MLC group cover.","start":983.45996,"end":992.5,"sentiment":"neutral","sentiment_score":0.24130280993201517}],"sentiment":"neutral","sentiment_score":0.015066912510629856,"num_words":66,"start":965.75,"end":992.5},{"sentences":[{"text":"As I said, can review that in future.","start":992.5,"end":994.66,"sentiment":"neutral","sentiment_score":0.16185001283884048},{"text":"I know you're just focusing on the the debt there first.","start":994.66,"end":997.165,"sentiment":"neutral","sentiment_score":0.08371410451152107},{"text":"So once you get around to those doctor's appointments and things like that and get, you know, clear or not or at least a diagnosis, we can definitely review and start that process again when you got a bit of time to just see what retail cover is available and what the pricing sort of looks like or even transfer terms and things like that.","start":997.165,"end":1012.76,"sentiment":"neutral","sentiment_score":0.07742717842069956},{"text":"As far as the risk risk profile is concerned there, you did score high growth for keeping you within high growth, so there's not much of a change there.","start":1013.14,"end":1019.46,"sentiment":"neutral","sentiment_score":0.05823086035148851},{"text":"But do you have any questions in regards to your risk profile or the split between growth or defensive assets?","start":1019.46,"end":1024.68,"sentiment":"neutral","sentiment_score":-0.02844447111710906}],"sentiment":"neutral","sentiment_score":0.06291900283860084,"num_words":133,"start":992.5,"end":1024.68},{"sentences":[{"text":"Yeah.","start":1039.5499,"end":1040.0499,"sentiment":"neutral","sentiment_score":-0.005309104919433594},{"text":"Yep.","start":1051.405,"end":1051.905,"sentiment":"neutral","sentiment_score":0.005937556736171246},{"text":"Yeah.","start":1054.765,"end":1055.265,"sentiment":"neutral","sentiment_score":-0.006214311346411705},{"text":"That, you know, that's sort of the way to look at at the end of the day there as well is that, like, over the shorter period of time, those high growth investments, like you said, quite volatile in the sense that they do have a lot of the ups and the downs, much like even now with what's occurring with the war with Iran.","start":1061.82,"end":1077.1849,"sentiment":"neutral","sentiment_score":-0.11378396852658346},{"text":"But, you know, twenty years from now, holding those growth assets, they do tend to finish quite well up over, like, a span of twenty to thirty years as opposed to, you know, other investments even with things like, you know, what did occur with COVID.","start":1077.565,"end":1092.7401,"sentiment":"neutral","sentiment_score":0.13701571192106474}],"sentiment":"neutral","sentiment_score":-0.009638781275338772,"num_words":114,"start":1039.5499,"end":1092.7401},{"sentences":[{"text":"Obviously, it took quite a good dive and then it's come back from that one.","start":1092.7401,"end":1095.54,"sentiment":"positive","sentiment_score":0.3358552545309067},{"text":"And, obviously, now it's taken, like, another dive.","start":1095.54,"end":1097.7201,"sentiment":"neutral","sentiment_score":0.12524707149714231},{"text":"In regards to to that one there, the Benelung Fund's the main one we're concerned about with what occurred with that one and changing that one out.","start":1098.3401,"end":1106.4249,"sentiment":"neutral","sentiment_score":0.04043742959146147},{"text":"Obviously, the portfolio updates a bit of a refresh in general just to get things, you know, more in line with Oakview's investment philosophy moving forward and having a bit of an update there for you at the end of the day there as well.","start":1106.4249,"end":1119.96,"sentiment":"neutral","sentiment_score":0.23940841323799558},{"text":"I know you still wanted to maintain the the similar sort of, you know, having somewhat active investment within your portfolio and not going to the passive.","start":1120.44,"end":1130.0399,"sentiment":"neutral","sentiment_score":0.21504657412016834}],"sentiment":"neutral","sentiment_score":0.19435452529397168,"num_words":122,"start":1092.7401,"end":1130.0399},{"sentences":[{"text":"So we've looked at keeping that for you, and I'll I'll run over that as well.","start":1130.0399,"end":1133.745,"sentiment":"positive","sentiment_score":0.33865691162645817},{"text":"But, yeah, you're about 90% growth assets still and about 10% defensive is what you aim for, and you're pretty in line with that with the new recommendation there as well, if that makes sense.","start":1133.745,"end":1146.7899,"sentiment":"positive","sentiment_score":0.3964719695704324},{"text":"So as far as the the best interest, obviously, we're looking at keeping the 10,000 retained in in MLC.","start":1146.7899,"end":1151.59,"sentiment":"neutral","sentiment_score":0.15337095762553968},{"text":"Obviously, keep your contributions going there.","start":1151.59,"end":1153.9099,"sentiment":"neutral","sentiment_score":0.23905548204978308},{"text":"Each year, we'll sort of do a review and assess all of it's relevant to or a viable strategy to maintain that retention strategy, much like we've done.","start":1153.9099,"end":1161.4149,"sentiment":"neutral","sentiment_score":0.1551175064274243}],"sentiment":"neutral","sentiment_score":0.2691028921936567,"num_words":104,"start":1130.0399,"end":1161.4149},{"sentences":[{"text":"In regards to having the two funds, you know, Netwealth, obviously, was outperforming the the MLC in regards to those returns and having the more visibility, having access to the service there as well.","start":1161.7949,"end":1173.575,"sentiment":"neutral","sentiment_score":0.3183307625791606},{"text":"All reasons we've kept you in the the Netwealth account there.","start":1173.7699,"end":1176.6699,"sentiment":"positive","sentiment_score":0.3529405648058111},{"text":"In regards to to that one as well and changing the investment, not only will it reduce investment cost there for you moving forward, it will also remove that underperforming Benelon, which is a bit of a sore spot in regards to your investment growth.","start":1177.21,"end":1192.445,"sentiment":"neutral","sentiment_score":0.16815697078903516},{"text":"But overall, it'll be a balance of ETFs and those managed funds to aim for those sort of not just the the long term growth, but also the ability to try and outperform the markets there with that managers and asset managers to try and, obviously, beat what the markets are doing as well for you.","start":1192.985,"end":1209.64,"sentiment":"positive","sentiment_score":0.41693839457418236},{"text":"Yep.","start":1212.035,"end":1212.355,"sentiment":"neutral","sentiment_score":0.3160563111305237}],"sentiment":"neutral","sentiment_score":0.31249838253977347,"num_words":147,"start":1161.7949,"end":1212.355},{"sentences":[{"text":"So approximately based on those balances, 12,000 would be rolled over into your Netwealth account, and 10,000 would be retained in the MLC.","start":1212.355,"end":1219.255,"sentiment":"neutral","sentiment_score":0.25009261201257293},{"text":"Obviously, we haven't got the forms in here with Netwealth to do stuff to do the rollover form.","start":1219.875,"end":1224.1799,"sentiment":"neutral","sentiment_score":0.03625783738162783},{"text":"So once we sort of if you're happy with everything, the team would probably contact you and then just organize the form to be able to complete that rollover.","start":1224.1799,"end":1231.7799,"sentiment":"neutral","sentiment_score":0.21833547847024326},{"text":"As far as the investment changes as well, that can just be completed in the background.","start":1231.7799,"end":1235.48,"sentiment":"neutral","sentiment_score":0.17670202115550637},{"text":"But the benefit wait.","start":1236.755,"end":1238.4349,"sentiment":"neutral","sentiment_score":0.040498427115380764}],"sentiment":"neutral","sentiment_score":0.1747302896860573,"num_words":90,"start":1212.355,"end":1238.4349},{"sentences":[{"text":"Sorry.","start":1238.4349,"end":1238.9349,"sentiment":"neutral","sentiment_score":-0.11079226434230804},{"text":"I believe the TPA might be expired.","start":1244.4349,"end":1247.095,"sentiment":"neutral","sentiment_score":-0.09756831665124212},{"text":"So with that one, we can update that TPA, and then we can look at getting the updated balances, but still would have to sorta do the form.","start":1247.875,"end":1255.57,"sentiment":"neutral","sentiment_score":0.03322405168520553},{"text":"But if you don't wanna sorta have to log in and things like that, we can just get there.","start":1255.57,"end":1258.61,"sentiment":"neutral","sentiment_score":-0.007580583749682103},{"text":"I can make a note of here to send you that TPA now so that I can check that balance for you.","start":1258.61,"end":1263.765,"sentiment":"neutral","sentiment_score":0.21716662699526007}],"sentiment":"neutral","sentiment_score":0.061949839856318356,"num_words":77,"start":1238.4349,"end":1263.765},{"sentences":[{"text":"Yeah.","start":1281.9401,"end":1282.26,"sentiment":"neutral","sentiment_score":0.16398616135120392},{"text":"So it'll just be the rollover form.","start":1282.26,"end":1283.86,"sentiment":"neutral","sentiment_score":0.180989927479199},{"text":"And then just to confirm sort of, like, once that's happening, if you are happy with everything, they'll just get the most up to date balance because with what's happening in the market, obviously, if you dropped a little bit and we just do the rollover that's based on that figure, then you might sort of be left less than the the 10,000.","start":1283.86,"end":1298.975,"sentiment":"neutral","sentiment_score":0.1418212459437431},{"text":"So that's what we'd wanna confirm at that time, if that makes sense.","start":1298.975,"end":1301.875,"sentiment":"neutral","sentiment_score":0.14051051151293975},{"text":"Perfect.","start":1313.79,"end":1314.285,"sentiment":"positive","sentiment_score":0.6950907707214355}],"sentiment":"neutral","sentiment_score":0.15161625374765958,"num_words":85,"start":1281.9401,"end":1314.285},{"sentences":[{"text":"That should be let me just double check based on the figures.","start":1316.2051,"end":1319.665,"sentiment":"positive","sentiment_score":0.3838891535997391},{"text":"Yeah.","start":1326.125,"end":1326.4451,"sentiment":"neutral","sentiment_score":0.14048731327056885},{"text":"So quite similar.","start":1326.4451,"end":1327.51,"sentiment":"neutral","sentiment_score":0.17796129484971365},{"text":"It's actually going up a little bit.","start":1327.51,"end":1328.63,"sentiment":"neutral","sentiment_score":0.09494356598172869},{"text":"I'm assuming you've had a work contribution going probably in that time frame.","start":1328.63,"end":1332.97,"sentiment":"neutral","sentiment_score":0.045910502855594344}],"sentiment":"neutral","sentiment_score":0.18173562611142793,"num_words":36,"start":1316.2051,"end":1332.97},{"sentences":[{"text":"Unfortunately, that is the what has been occurring at the moment with everything that has happened.","start":1344.725,"end":1350.105,"sentiment":"negative","sentiment_score":-0.47970776818692684},{"text":"Not the the most ideal scenario.","start":1350.405,"end":1352.345,"sentiment":"negative","sentiment_score":-0.4212598999341329},{"text":"But okay.","start":1354.0,"end":1356.4,"sentiment":"neutral","sentiment_score":0.0016344934701919556},{"text":"Yeah.","start":1356.4,"end":1356.64,"sentiment":"neutral","sentiment_score":0.013641469180583954},{"text":"No.","start":1356.64,"end":1356.88,"sentiment":"neutral","sentiment_score":-0.05366011708974838}],"sentiment":"negative","sentiment_score":-0.39383205198324645,"num_words":26,"start":1344.725,"end":1356.88},{"sentences":[{"text":"Makes sense.","start":1356.88,"end":1357.62,"sentiment":"neutral","sentiment_score":-0.013437071815133095},{"text":"But that's a good thing anyway with the contributions going in even if it drops a tiny bit there.","start":1359.12,"end":1362.72,"sentiment":"neutral","sentiment_score":0.30825659515042053},{"text":"You'll still have those contributions going in to ensure those insurances remain active in the the interim.","start":1362.72,"end":1367.3,"sentiment":"neutral","sentiment_score":0.2350741370635874},{"text":"As far as the the benefits of this, obviously, it's in line with your your risk profile.","start":1369.4551,"end":1373.935,"sentiment":"positive","sentiment_score":0.39240189247271595},{"text":"It has a mix of passive and active investments, which you still wanted.","start":1373.935,"end":1376.915,"sentiment":"positive","sentiment_score":0.3837464474714719}],"sentiment":"neutral","sentiment_score":0.3159676100510885,"num_words":68,"start":1356.88,"end":1376.915},{"sentences":[{"text":"And then by partially rolling over in the the future and that you will sort of reduce the the overall fees between the the two being split up with two different balances there having it, you know, more consolidated compounding towards your retirement goals there as well as well as remaining a a client there at Oakview Financial and the services that do come with that as well.","start":1377.4551,"end":1395.915,"sentiment":"positive","sentiment_score":0.3462467991253909},{"text":"Obviously, in regards to risk, there's always risk that, you know, the recommended investments don't perform as well just given that, you know, impartially, the investments are the one things that aren't guaranteed in terms of, like, guarantees with providing a service, unfortunately, because no one's got that crystal ball.","start":1398.155,"end":1412.9099,"sentiment":"neutral","sentiment_score":-0.275201650261879},{"text":"I couldn't tell you what Trump's doing tomorrow, let alone yesterday.","start":1412.9099,"end":1415.71,"sentiment":"neutral","sentiment_score":-0.31957570802081714},{"text":"He's gonna you know, go goes much by the beat of his own drum.","start":1415.71,"end":1420.77,"sentiment":"neutral","sentiment_score":-0.2033363910658019},{"text":"So with that, that all does play effects into what happens in the market within the short term there.","start":1420.9099,"end":1425.845,"sentiment":"neutral","sentiment_score":-0.1563344535074736}],"sentiment":"neutral","sentiment_score":0.002791993503953204,"num_words":162,"start":1377.4551,"end":1425.845},{"sentences":[{"text":"Obviously, in the long term, it has less of an impact in terms of, like, the longer term growth, but short term, it can have a lot of volatility impact.","start":1425.845,"end":1432.745,"sentiment":"neutral","sentiment_score":-0.21476085980733237},{"text":"Now with in regards to with that volatility at the moment there, you may forego some potential sort of investment growth if the market was to sort of change in the time frame that you were switching over those investments with the changes.","start":1434.82,"end":1446.76,"sentiment":"neutral","sentiment_score":-0.3016958604025286},{"text":"And then with that, it can also go the other way there as well, but that's something to be mindful of that.","start":1447.5399,"end":1452.005,"sentiment":"neutral","sentiment_score":-0.25144850327209994},{"text":"If the markets do change slightly while you're in a cash position, it can sort of have a a bit of a negative impact there as well with those percentages that it could rise or fall.","start":1452.005,"end":1459.7849,"sentiment":"negative","sentiment_score":-0.5090798487265905},{"text":"We did consider, obviously, leaving everything as is and not changing anything, but, obviously, you know, the MLC fund's not performing that well either.","start":1462.26,"end":1470.1,"sentiment":"neutral","sentiment_score":-0.18198688173045716}],"sentiment":"neutral","sentiment_score":-0.3073688682529234,"num_words":155,"start":1425.845,"end":1470.1},{"sentences":[{"text":"In regards to that, net wealth obviously has the better reporting.","start":1470.1,"end":1472.9199,"sentiment":"neutral","sentiment_score":0.235308746045286},{"text":"It has the access to more flexible arrangements in regards to advice strategies there as well.","start":1473.4451,"end":1478.185,"sentiment":"positive","sentiment_score":0.38164826668798923},{"text":"And then in regards to investment change, it will save you investment fees moving forward.","start":1478.245,"end":1482.905,"sentiment":"positive","sentiment_score":0.37343056201934816},{"text":"We also did consider moving all the way back to to MLC, do that comparison, but it just worked out over a long term position.","start":1483.6051,"end":1489.65,"sentiment":"positive","sentiment_score":0.3552768290042877},{"text":"It will put you in a better position having the Netwealth account there and access to our service there as well.","start":1489.65,"end":1495.19,"sentiment":"positive","sentiment_score":0.5276512801647186}],"sentiment":"positive","sentiment_score":0.3893048240041191,"num_words":88,"start":1470.1,"end":1495.19},{"sentences":[{"text":"And then we also looked at changing the MLC investment from a growth to a high growth option.","start":1495.49,"end":1500.45,"sentiment":"neutral","sentiment_score":0.14707403919763035},{"text":"And given that the growth option there you do have is quite in line with, like, the high growth risk allocation, but in saying that you could look to change it to a high growth.","start":1500.45,"end":1510.635,"sentiment":"neutral","sentiment_score":0.16795504497630256},{"text":"But given that it might sort of bump you up a little bit higher there as well and given that your insurance premiums come out of there, we wanna look at maintaining those.","start":1510.635,"end":1516.89,"sentiment":"neutral","sentiment_score":0.11170591730059999},{"text":"It's not a bad thing to have it little less aggressively invested just to ensure that it doesn't sort of have those major fluctuations, if that makes sense.","start":1516.97,"end":1524.1901,"sentiment":"neutral","sentiment_score":0.12393911821501595},{"text":"Yeah.","start":1529.225,"end":1529.625,"sentiment":"neutral","sentiment_score":0.07539161294698715}],"sentiment":"neutral","sentiment_score":0.13702383890100148,"num_words":115,"start":1495.49,"end":1529.625},{"sentences":[{"text":"So given that we were to sort of just keep it looking at the around the $10,000 sort of mark, you know, with those market downturns, if you're in a quite aggressive option, it kind of sort of, you know, drop with that, and then you've got fees coming out, things like that as well.","start":1529.625,"end":1542.36,"sentiment":"neutral","sentiment_score":-0.07617490941827948},{"text":"So having a few more defensive options and that isn't a bad thing.","start":1542.52,"end":1545.0,"sentiment":"neutral","sentiment_score":0.24019402609421656},{"text":"As I said, the growth option there probably is a little bit more than what we consider a growth option anyway.","start":1545.0,"end":1549.66,"sentiment":"neutral","sentiment_score":0.21383101315725417},{"text":"But overall, it sort of with that and take into consideration 10,000 with that investment option, it still puts you around that $90.10 split within regards to your assets.","start":1551.72,"end":1560.755,"sentiment":"neutral","sentiment_score":0.2608857601881027},{"text":"But if you go to page 17 there, you will see the buyers and sales in regards to the investment change there.","start":1560.815,"end":1567.475,"sentiment":"neutral","sentiment_score":-0.0479319187050516}],"sentiment":"neutral","sentiment_score":0.07096098879618304,"num_words":140,"start":1529.625,"end":1567.475},{"sentences":[{"text":"Now with that one, we are looking at removing the Benelon, obviously, because it is quite a large portion, and it's obviously didn't perform too well with what happened in the market.","start":1568.255,"end":1576.99,"sentiment":"neutral","sentiment_score":-0.2471002716338262},{"text":"So we're looking at removing that, offsetting some changes there with the the growth moving forward there and carrying the the loss through with that one.","start":1577.8501,"end":1585.4501,"sentiment":"neutral","sentiment_score":-0.06493434582192165},{"text":"With the investment changes, we're looking at just updating the portfolio to be a bit more in line with what is happening, having a little bit less of an allocation to those managed funds.","start":1585.4501,"end":1596.545,"sentiment":"neutral","sentiment_score":0.1371411672409843},{"text":"So when they do have a negative year, it doesn't affect your balance as much.","start":1596.545,"end":1600.005,"sentiment":"neutral","sentiment_score":0.02011560748020808},{"text":"You do have the JPMorgan Global Research enhanced index.","start":1600.385,"end":1603.585,"sentiment":"neutral","sentiment_score":0.2377262314160665}],"sentiment":"neutral","sentiment_score":-0.021477860366475993,"num_words":116,"start":1568.255,"end":1603.585},{"sentences":[{"text":"So it's an index fund, but it also has somewhat a degree of management.","start":1603.585,"end":1607.36,"sentiment":"neutral","sentiment_score":0.15952120402029582},{"text":"And then you've got Alfiniti, which is the managed fund there as well, which ran 10%, which will mean that it's a bit more of a satellite now.","start":1607.5,"end":1613.6599,"sentiment":"neutral","sentiment_score":0.17208432193313325},{"text":"You won't have those major fluctuations like what has occurred with Benelon and how that did negatively impact your balance.","start":1613.6599,"end":1619.145,"sentiment":"neutral","sentiment_score":-0.13157704137265683},{"text":"The or the portfolio would still be the S and P 500 with around 20% invested in that one, and then the rest is sort of broken up between the Raffi Australian index, you know, across the Alfiniti and then the JP Global growth there with a few other alternative assets there as well.","start":1620.105,"end":1637.41,"sentiment":"neutral","sentiment_score":0.1142939602335294},{"text":"You have a bit of exposure in health care India and then also in gold and then a core bond, which is your defensive asset there as well, and then a little bit in cybersecurity.","start":1637.7101,"end":1646.61,"sentiment":"neutral","sentiment_score":0.18439521683113916}],"sentiment":"neutral","sentiment_score":0.11288624824277613,"num_words":151,"start":1603.585,"end":1646.61},{"sentences":[{"text":"So a real nice spread of, like, diversified ETFs there and some managed funds to hopefully give you a nice spread with those markets.","start":1647.095,"end":1654.3151,"sentiment":"positive","sentiment_score":0.4512694217264652},{"text":"Yeah.","start":1659.1901,"end":1659.43,"sentiment":"neutral","sentiment_score":0.07516643404960632},{"text":"Because obviously being in the bed along there, you're quite sort of segregated in regards to in that one spot of Australia in that managed funds.","start":1659.43,"end":1667.91,"sentiment":"neutral","sentiment_score":-0.12007328094198154},{"text":"So when that did poorly, it obviously affected your portfolio quite heavily.","start":1667.91,"end":1670.97,"sentiment":"negative","sentiment_score":-0.416896586616834},{"text":"So not only will this sort of give you a bit of a different exposure in regards to a little bit in India and then also within that as well having, you know, across health care industries, cyber, and then also in regards to the, you know, physical gold as well as the commodities and then with the the managed funds there as well and the Rafi index in Australia.","start":1671.215,"end":1692.9,"sentiment":"neutral","sentiment_score":-0.09809108279379351}],"sentiment":"neutral","sentiment_score":-0.030717350255445877,"num_words":133,"start":1647.095,"end":1692.9},{"sentences":[{"text":"So I have the within the Australian market as well and the Australian equities market.","start":1692.9,"end":1697.24,"sentiment":"neutral","sentiment_score":0.029821698988477387},{"text":"Obviously, in the appendix as well, you'll have links to all these investments.","start":1702.5951,"end":1705.9551,"sentiment":"neutral","sentiment_score":0.1556848350625772},{"text":"If you did wanna have a look around at them and what we are recommending In regards to that, obviously, you know, I can't say too much in regards to what you're previously seeing.","start":1705.9551,"end":1714.7699,"sentiment":"neutral","sentiment_score":0.01608659978955984},{"text":"That wasn't my recommendation there.","start":1714.7699,"end":1716.9299,"sentiment":"neutral","sentiment_score":-0.115449720621109},{"text":"But then moving forward, if you do have any questions in regards to that, we can look at sort of changing if you do have any issues with them or sort of the weightings or did have any concerns with that there as well.","start":1716.9299,"end":1727.5751,"sentiment":"neutral","sentiment_score":0.019675602120431988}],"sentiment":"neutral","sentiment_score":0.02978964525837082,"num_words":111,"start":1692.9,"end":1727.5751},{"sentences":[{"text":"But do you have any questions in regards to that or the the splits there for you?","start":1727.635,"end":1731.255,"sentiment":"neutral","sentiment_score":-0.005882281207424753},{"text":"Yep.","start":1738.3701,"end":1738.8701,"sentiment":"neutral","sentiment_score":-0.19291552901268005},{"text":"Yep.","start":1741.5701,"end":1742.0701,"sentiment":"neutral","sentiment_score":-0.048171013593673706},{"text":"Understandable like Yeah.","start":1744.77,"end":1750.05,"sentiment":"neutral","sentiment_score":-0.19242500017086664},{"text":"And look, some people, funny enough, have invested in Ethical.","start":1750.05,"end":1754.645,"sentiment":"neutral","sentiment_score":-0.03915289714932442}],"sentiment":"neutral","sentiment_score":-0.040934040473075584,"num_words":32,"start":1727.635,"end":1754.645},{"sentences":[{"text":"And given the cost of Ethical at the moment and sort of how it does perform, obviously, it takes quite a bit of money to sort of dictate what is ethical and what isn't.","start":1754.645,"end":1763.365,"sentiment":"neutral","sentiment_score":-0.12318630538442556},{"text":"And then also sometimes even though you can be, like, in a carbon aware fund, but it's still got, like, a mining company that's trying to be carbon aware by offsetting it through some green space and things like that.","start":1763.365,"end":1772.99,"sentiment":"neutral","sentiment_score":-0.12178089451044798},{"text":"So it's very hard to try and, you know, build a portfolio that is truly ethical.","start":1773.13,"end":1778.3501,"sentiment":"neutral","sentiment_score":-0.19440403440967202},{"text":"And then that comes at a higher cost, and it generally doesn't perform as well.","start":1778.785,"end":1782.385,"sentiment":"negative","sentiment_score":-0.42231698458393413},{"text":"So, generally, you know, a couple people I've seen have been in it for about a year, realize that it's a high cost, lower performing, and they jump out of it anyway.","start":1782.385,"end":1790.165,"sentiment":"neutral","sentiment_score":-0.2879803772084415}],"sentiment":"neutral","sentiment_score":-0.20233694564578306,"num_words":137,"start":1754.645,"end":1790.165},{"sentences":[{"text":"Not to say that we can't sprinkle in a few ethical investments in the future once you sort of wanna have a look at it, but, yeah, this is sort of more your conventional investment still.","start":1790.465,"end":1798.06,"sentiment":"neutral","sentiment_score":-0.0641304316620032},{"text":"But it's not like it's targeting, you know, mining or child labor and things like that.","start":1798.36,"end":1802.4401,"sentiment":"neutral","sentiment_score":-0.30475665745325387},{"text":"It's obviously just your standard sort of large companies that sort of everyone sort of has a a finger in the pie.","start":1802.4401,"end":1808.535,"sentiment":"negative","sentiment_score":-0.4364535320888866},{"text":"Yeah.","start":1812.2151,"end":1812.7151,"sentiment":"neutral","sentiment_score":-0.2316030710935593},{"text":"No.","start":1813.415,"end":1813.735,"sentiment":"negative","sentiment_score":-0.3353857398033142}],"sentiment":"neutral","sentiment_score":-0.22833906020969152,"num_words":76,"start":1790.465,"end":1813.735},{"sentences":[{"text":"We're definitely definitely not that direct in regards to the investments, and these are all sort of those index funds anyway.","start":1813.735,"end":1821.015,"sentiment":"neutral","sentiment_score":-0.2527722751810437},{"text":"So it depends on, like, the companies that are in it.","start":1821.015,"end":1823.515,"sentiment":"neutral","sentiment_score":-0.10809856856411154},{"text":"You know, the S and P 500, I'd you know, I dare say that the top 500 companies in America, some are using some form of, like, potential, you know, child labor, things like that to to with their business and the growth in their business, but I couldn't say it for sure and then be slander if I didn't did say that directly, but, you know, it's one of those things.","start":1823.72,"end":1842.6649,"sentiment":"neutral","sentiment_score":-0.2615176077104277},{"text":"Every sort of corporation feels like it's been caught at once or twice doing some sort of dodgy thing.","start":1842.6649,"end":1847.485,"sentiment":"negative","sentiment_score":-0.7014957289946707},{"text":"Yeah.","start":1854.84,"end":1855.16,"sentiment":"neutral","sentiment_score":-0.0823119580745697}],"sentiment":"neutral","sentiment_score":-0.3123975854607359,"num_words":124,"start":1813.735,"end":1855.16},{"sentences":[{"text":"And then, obviously, as I said, we can look at being, like, a little bit more ethically minded in the the future if that's something you did wanna have a look at as well.","start":1855.16,"end":1862.46,"sentiment":"neutral","sentiment_score":0.0525714856955935},{"text":"Understandable.","start":1873.035,"end":1873.535,"sentiment":"neutral","sentiment_score":0.1626373529434204},{"text":"I don't blame you at all.","start":1873.835,"end":1875.215,"sentiment":"neutral","sentiment_score":-0.08954785971824701},{"text":"In regards to that risk profile, as I was saying, we aim for that ninety ten split.","start":1876.5199,"end":1880.1399,"sentiment":"neutral","sentiment_score":0.04255592488848111},{"text":"If you do look in regards to the allocation on page 19 there, you have a little bit less of exposure in the Australian equities market and a little bit more in the international, plus a little bit in the alternative growth side of things.","start":1880.36,"end":1892.5249,"sentiment":"neutral","sentiment_score":0.02339425687160757}],"sentiment":"neutral","sentiment_score":0.030960902821462494,"num_words":103,"start":1855.16,"end":1892.5249},{"sentences":[{"text":"That is mainly your gold.","start":1892.5249,"end":1893.985,"sentiment":"neutral","sentiment_score":0.04497619569301605},{"text":"So with that one there, even though it's considered to be, like, a bit of a split asset, like, being alternative with growth and defensive, they just accumulated, like, allocated to the growth side of things given how it has been for the last few years.","start":1894.6849,"end":1907.22,"sentiment":"neutral","sentiment_score":0.05874288300781146},{"text":"So within regards to that, it can act as a bit of a defensive portion.","start":1907.44,"end":1911.36,"sentiment":"neutral","sentiment_score":0.11462114502986272},{"text":"Obviously, when things do go down within regards to wars and things like that, gold tends to sort of be negatively correlated.","start":1911.36,"end":1918.145,"sentiment":"neutral","sentiment_score":-0.1964435215023431},{"text":"It tends to go up a little bit.","start":1918.145,"end":1919.345,"sentiment":"neutral","sentiment_score":-0.18292071484029293}],"sentiment":"neutral","sentiment_score":-0.01186200436980774,"num_words":96,"start":1892.5249,"end":1919.345},{"sentences":[{"text":"People go back to that harder currency.","start":1919.345,"end":1920.965,"sentiment":"neutral","sentiment_score":-0.1038772240281105},{"text":"But then also in regards to the Australian fixed interest, you do have sort of roughly the the same amount, and then you do have the cash holding there as well, and it sort of gives you around that $90.10 sort of split.","start":1922.705,"end":1935.72,"sentiment":"neutral","sentiment_score":0.06394208872387576},{"text":"Okay.","start":1939.78,"end":1940.28,"sentiment":"neutral","sentiment_score":0.1515430510044098},{"text":"Yep.","start":1941.86,"end":1942.18,"sentiment":"neutral","sentiment_score":0.11961422860622406},{"text":"The next page over there as well, you'll be able to see, like, a a table that illustrates the changes there.","start":1942.18,"end":1947.64,"sentiment":"neutral","sentiment_score":0.0971465887767928}],"sentiment":"neutral","sentiment_score":0.059364450559632416,"num_words":73,"start":1919.345,"end":1947.64},{"sentences":[{"text":"Obviously, with the rollover from MLC to Netwealth, you will have more funds going into the Netwealth that will result in slightly higher administration adviser fees in that fund, but it'll also reduce administration costs in your the fund that for MLC because it has less of a balance.","start":1948.215,"end":1964.79,"sentiment":"neutral","sentiment_score":0.18588062801531383},{"text":"In addition to that as well, the investment fee will be lowered with the changes.","start":1964.93,"end":1968.23,"sentiment":"neutral","sentiment_score":0.2852699061234792},{"text":"So overall, you will be saving money.","start":1968.93,"end":1971.11,"sentiment":"positive","sentiment_score":0.5519531539508274},{"text":"And with that projected adviser fee, that's based on some growth as well.","start":1971.41,"end":1975.03,"sentiment":"positive","sentiment_score":0.33630620401639205},{"text":"So if that recommended investment doesn't perform as to, like, you know, the five year rolling averages there as well and what's going on in the markets, you will be charged less than that because it is a fluctuating figure based on what is occurring.","start":1975.115,"end":1988.015,"sentiment":"neutral","sentiment_score":-0.0575802631676197}],"sentiment":"neutral","sentiment_score":0.1475328701699889,"num_words":129,"start":1948.215,"end":1988.015},{"sentences":[{"text":"And, obviously, you know, as I said, that's the one thing that isn't guaranteed and past performance isn't indicative of future performance, unfortunately.","start":1989.7401,"end":1995.8401,"sentiment":"neutral","sentiment_score":-0.25526289641857147},{"text":"Otherwise, we could all pick the winners and I'll be out of a job.","start":1996.62,"end":2000.0,"sentiment":"negative","sentiment_score":-0.42708871194294523},{"text":"But, yeah, I'll be sipping pina coladas on the beach.","start":2000.9401,"end":2006.135,"sentiment":"positive","sentiment_score":0.34380277022719385},{"text":"Wouldn't it be nice?","start":2006.135,"end":2007.275,"sentiment":"neutral","sentiment_score":0.33128925412893295},{"text":"In regards to the figures and returns, you can see based on the portfolios and the breaks and then the three to five to ten years on page 21 there.","start":2008.615,"end":2016.9,"sentiment":"neutral","sentiment_score":0.12056464230020841}],"sentiment":"neutral","sentiment_score":-0.042841538234993266,"num_words":81,"start":1989.7401,"end":2016.9},{"sentences":[{"text":"Just have a look and sort of that past forms just give you an indication of what you're going into there.","start":2017.22,"end":2023.0,"sentiment":"neutral","sentiment_score":0.18952841737440654},{"text":"In addition to that, you'll also see the premium impact of your insurances on your MLC fund and what that does look like in terms of, like, balance and fee costs as well.","start":2023.06,"end":2034.105,"sentiment":"neutral","sentiment_score":0.14526132110393408},{"text":"Obviously, it's not, you know, a huge amount sort of different in regards to, you know, what that does sort of cost.","start":2035.205,"end":2045.205,"sentiment":"neutral","sentiment_score":-0.1201077750460668},{"text":"And I believe that figure might even be backwards there.","start":2045.205,"end":2048.72,"sentiment":"neutral","sentiment_score":-0.266025198996067},{"text":"I'm just having a look at that one.","start":2048.72,"end":2049.8398,"sentiment":"neutral","sentiment_score":-0.045800762716680765}],"sentiment":"neutral","sentiment_score":0.03302862998494442,"num_words":94,"start":2017.22,"end":2049.8398},{"sentences":[{"text":"Sorry.","start":2049.8398,"end":2050.3398,"sentiment":"neutral","sentiment_score":-0.20790372788906095},{"text":"Something about that feels a little bit off.","start":2060.655,"end":2062.335,"sentiment":"negative","sentiment_score":-0.3998657315969467},{"text":"I wouldn't sort of worry about that one too much.","start":2062.335,"end":2064.495,"sentiment":"negative","sentiment_score":-0.3527748376131058},{"text":"It was meant to illustrate the the impacts of having the insurances there, but it seems the figure has been skewed slightly and it's doubled up.","start":2064.495,"end":2076.27,"sentiment":"neutral","sentiment_score":-0.291584430119166},{"text":"So I'm not too sure what did occur there, so I'd probably just ignore that one.","start":2076.27,"end":2080.59,"sentiment":"neutral","sentiment_score":-0.2334174094721675}],"sentiment":"neutral","sentiment_score":-0.2991877326466998,"num_words":61,"start":2049.8398,"end":2080.59},{"sentences":[{"text":"It was just to illustrate the cost of insurances on your superannuation, but that's fine.","start":2080.59,"end":2086.435,"sentiment":"neutral","sentiment_score":0.02427345737814903},{"text":"Yeah.","start":2086.435,"end":2086.935,"sentiment":"neutral","sentiment_score":0.041158273816108704},{"text":"It does seem that there has been a bit of a a formatting error there, so apologies for that one.","start":2087.555,"end":2091.9749,"sentiment":"neutral","sentiment_score":-0.18949501104652883},{"text":"In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination.","start":2093.4749,"end":2103.5999,"sentiment":"neutral","sentiment_score":0.20609205798245966},{"text":"We are just recommending that you nominate the legal person representative.","start":2103.5999,"end":2106.9,"sentiment":"neutral","sentiment_score":0.24671242318370126}],"sentiment":"neutral","sentiment_score":0.07498914460781254,"num_words":79,"start":2080.59,"end":2106.9},{"sentences":[{"text":"So once you do a will, that will means it will go to your state.","start":2106.96,"end":2109.94,"sentiment":"neutral","sentiment_score":0.1736402417222659},{"text":"So with that one, the benefits are, It doesn't actually pay the the Medicare levy when going to the estate, which is nice.","start":2110.16,"end":2118.405,"sentiment":"neutral","sentiment_score":0.12891521053793636},{"text":"But in saying that if you sort of did have a dependent there or a spouse in the future, you can change it to them so they can receive the funds tax free as opposed to getting taxed.","start":2119.1052,"end":2128.31,"sentiment":"neutral","sentiment_score":-0.03815904269485097},{"text":"But with that, there also is the risk that when it goes to the estate, it does open it up to, you know, family fighting over the funds, whereas when it's currently, it's not a non estate asset, which is something to be mindful of at the end of the day as well.","start":2129.57,"end":2141.235,"sentiment":"negative","sentiment_score":-0.39551872886576744},{"text":"But given that, you know, if you did have a nomination currently as well, it might sort of be the fact that it's not valid anyway, and it might end up in the estate, if that makes sense.","start":2141.7952,"end":2151.0151,"sentiment":"negative","sentiment_score":-0.40412525989507375}],"sentiment":"neutral","sentiment_score":-0.19281223149758256,"num_words":167,"start":2106.96,"end":2151.0151},{"sentences":[{"text":"I've got Muriel and Barry as your recipients for Netwealth.","start":2168.865,"end":2175.2048,"sentiment":"neutral","sentiment_score":0.1648795023560524},{"text":"Yeah.","start":2185.2,"end":2185.52,"sentiment":"neutral","sentiment_score":0.03338376432657242},{"text":"Okay.","start":2185.52,"end":2186.02,"sentiment":"neutral","sentiment_score":0.0140315480530262},{"text":"So yeah.","start":2186.48,"end":2186.96,"sentiment":"neutral","sentiment_score":-0.002723551355302334},{"text":"So so, yeah, with that one there as well, obviously, you know, if you don't have a will in place, it still gets a bit messy.","start":2186.96,"end":2194.405,"sentiment":"neutral","sentiment_score":-0.08588400461639349}],"sentiment":"neutral","sentiment_score":-0.013555522169917822,"num_words":40,"start":2168.865,"end":2194.405},{"sentences":[{"text":"But if you have a will in place, it makes it a lot more simplified.","start":2194.465,"end":2197.605,"sentiment":"neutral","sentiment_score":0.1372393620510896},{"text":"And, you know, in the future, if you do have a spouse, things like that, you can just change it.","start":2197.665,"end":2201.025,"sentiment":"neutral","sentiment_score":0.05274103563278913},{"text":"That's more than fine.","start":2201.025,"end":2202.2449,"sentiment":"neutral","sentiment_score":0.13243992254137993},{"text":"But with Muriel and Barry there at the moment, it just wouldn't sort of be a valid nomination currently unless they're sort of dependent on you sort of financially or caring, things like that or some form of independent relationship, which is very hard to prove for the trustees of super, especially when you're gone and it's up to whoever's left in a trying time there as well.","start":2202.465,"end":2222.875,"sentiment":"neutral","sentiment_score":-0.26016039960086346},{"text":"It can be a little bit difficult, if that makes sense.","start":2222.875,"end":2225.375,"sentiment":"neutral","sentiment_score":-0.3172806311737407}],"sentiment":"neutral","sentiment_score":-0.14862562103544252,"num_words":118,"start":2194.465,"end":2225.375},{"sentences":[{"text":"Perfect.","start":2228.315,"end":2228.815,"sentiment":"neutral","sentiment_score":0.0652618333697319},{"text":"Obviously, in conjunction with that, we are recommending you do establish a will.","start":2229.64,"end":2232.44,"sentiment":"neutral","sentiment_score":0.13308711006091192},{"text":"Like I said, there are options out there for, like, the, you know, post office will pack.","start":2232.44,"end":2236.52,"sentiment":"neutral","sentiment_score":0.15019390052732298},{"text":"They're not the the best thing out there, but in terms of, like, pricing, they are a lot cheaper than going to, like, a lawyer and setting up, like, a $300 will.","start":2236.52,"end":2244.7,"sentiment":"neutral","sentiment_score":0.2472294857725501},{"text":"So it is an option there for you as well.","start":2245.5051,"end":2247.745,"sentiment":"positive","sentiment_score":0.4725389093160629}],"sentiment":"neutral","sentiment_score":0.23267703028778508,"num_words":73,"start":2228.315,"end":2247.745},{"sentences":[{"text":"If you follow the instructions, at least you've got something, and you do have some form of will.","start":2247.745,"end":2252.405,"sentiment":"positive","sentiment_score":0.35291656023926204},{"text":"Yeah.","start":2260.73,"end":2261.1301,"sentiment":"neutral","sentiment_score":0.15469712018966675},{"text":"And then within regards to that, if you do seek a lawyer as well, you can establish a power of attorney.","start":2261.1301,"end":2266.01,"sentiment":"neutral","sentiment_score":0.1999419310263225},{"text":"I'm not a 100% sure what the post office rules if you can establish power of attorney, things like that.","start":2266.01,"end":2269.845,"sentiment":"neutral","sentiment_score":0.14956657849252225},{"text":"But it just means that in the event that anything did happen, there's someone there that can make financial sort of medical decisions for you if you're otherwise incapacitated as well.","start":2270.165,"end":2278.665,"sentiment":"neutral","sentiment_score":0.19738595740449044}],"sentiment":"neutral","sentiment_score":0.21776123082899784,"num_words":91,"start":2247.745,"end":2278.665},{"sentences":[{"text":"You can also, you know, pair that with advanced health care directives, things like that with wills and, you know, your power of attorneys.","start":2279.205,"end":2284.585,"sentiment":"neutral","sentiment_score":0.20024911500513554},{"text":"You know, it's sometimes a very hard time, and people sometimes make decisions that might not be, you know, something you want.","start":2284.97,"end":2290.73,"sentiment":"neutral","sentiment_score":-0.08891114965081215},{"text":"Whether or not you wanna pull the plug or not, that's a sort of you decision.","start":2290.73,"end":2293.63,"sentiment":"neutral","sentiment_score":-0.027293999446555972},{"text":"But in saying that if you're somewhat incapacitated, you can't make that decision for yourself.","start":2294.01,"end":2298.25,"sentiment":"neutral","sentiment_score":-0.05901413112878799},{"text":"So if you preemptively put in a bit of writing, it makes it a lot easier on sort of everyone and that sort of thing.","start":2298.25,"end":2303.825,"sentiment":"neutral","sentiment_score":0.2531345236301422}],"sentiment":"neutral","sentiment_score":0.07702333922041397,"num_words":102,"start":2279.205,"end":2303.825},{"sentences":[{"text":"Yeah.","start":2311.245,"end":2311.485,"sentiment":"neutral","sentiment_score":0.16971129179000854},{"text":"Exactly.","start":2311.485,"end":2311.965,"sentiment":"neutral","sentiment_score":0.20343518257141113},{"text":"It takes a lot of the, you know, the conflict in those times between family members out of the equation and somewhat makes it just the decision easier as well versus, you know, what they want versus what you want.","start":2311.965,"end":2324.24,"sentiment":"neutral","sentiment_score":0.20903859101235867},{"text":"As far as remuneration's concerned, they've agreed to keep you on the 1.1¢ ongoing fee there.","start":2324.8599,"end":2331.445,"sentiment":"neutral","sentiment_score":0.13649035841226578},{"text":"It is a bit lower than what the standard 1.65 is, and that was just due to your your lower balance there.","start":2331.445,"end":2336.085,"sentiment":"neutral","sentiment_score":0.02166183496063406}],"sentiment":"neutral","sentiment_score":0.14251399823004687,"num_words":80,"start":2311.245,"end":2336.085},{"sentences":[{"text":"They're happy to leave it at a bit of a lower rate to help your superannuation grow and, yeah, get that sort of compounding moving forward.","start":2336.085,"end":2344.425,"sentiment":"positive","sentiment_score":0.6772605983110574},{"text":"I can't say for the the next interview what that might be.","start":2344.55,"end":2346.8699,"sentiment":"neutral","sentiment_score":-0.0171986681719621},{"text":"They might look at bumping it back up to the 1.65, but I managed to keep it to the 1.1 for you there.","start":2346.8699,"end":2351.8499,"sentiment":"neutral","sentiment_score":0.14685336953919867},{"text":"Based on balance, it'll be around $774.04 dollars then.","start":2354.15,"end":2358.57,"sentiment":"neutral","sentiment_score":0.15464605225457084},{"text":"And then in regards to, like, the authority to proceed, if you were happy with everything, we would change those underlying investments there that organize that rollover form there for you to do that partial rollover.","start":2359.355,"end":2369.375,"sentiment":"neutral","sentiment_score":0.15305330387006202}],"sentiment":"neutral","sentiment_score":0.2611486079909329,"num_words":106,"start":2336.085,"end":2369.375},{"sentences":[{"text":"And then up to the the estate planning side of things, it is up to you at the end of the day should you, you know, want to implement that advice because I can't force you to.","start":2369.9148,"end":2378.11,"sentiment":"neutral","sentiment_score":0.1319414421513274},{"text":"Obviously, we can send out a copy of your beneficiary form to you just so you can sort of have that to fill out and which I might sort of get them to.","start":2378.11,"end":2385.55,"sentiment":"neutral","sentiment_score":0.11585549694119078},{"text":"Do you have access to a printer, or would you prefer just hard mail?","start":2385.55,"end":2388.37,"sentiment":"neutral","sentiment_score":0.01730036482747112},{"text":"Yep.","start":2394.995,"end":2395.315,"sentiment":"neutral","sentiment_score":0.16693326830863953},{"text":"I'll email you a copy of just the beneficiary form so you can sort of get that one updated there as well.","start":2395.315,"end":2400.215,"sentiment":"neutral","sentiment_score":0.1776505559682846}],"sentiment":"neutral","sentiment_score":0.12170575108274678,"num_words":107,"start":2369.9148,"end":2400.215},{"sentences":[{"text":"Wait, sir.","start":2401.955,"end":2402.7751,"sentiment":"neutral","sentiment_score":0.016763790510594845},{"text":"Yeah.","start":2408.1802,"end":2408.5,"sentiment":"neutral","sentiment_score":0.03054075315594673},{"text":"It's just legal personal representative, and that will be the estate.","start":2408.5,"end":2412.04,"sentiment":"neutral","sentiment_score":0.0350178238004446},{"text":"Yep.","start":2412.1,"end":2412.6,"sentiment":"neutral","sentiment_score":0.07489562034606934},{"text":"Yep.","start":2416.595,"end":2417.075,"sentiment":"neutral","sentiment_score":0.1022377833724022}],"sentiment":"neutral","sentiment_score":0.03914986248128116,"num_words":16,"start":2401.955,"end":2417.075},{"sentences":[{"text":"And then, obviously, it gets directed there, and it'll be directed via will once you have that in place as well.","start":2417.075,"end":2422.435,"sentiment":"neutral","sentiment_score":0.08904533762307394},{"text":"Otherwise, it would just be up to, you know, whoever's trying to settle the estate with where the funds are and what's happening with that one.","start":2422.435,"end":2428.755,"sentiment":"neutral","sentiment_score":-0.032613998565536276},{"text":"If you don't have a will in place, it can get a little bit messy.","start":2428.755,"end":2431.19,"sentiment":"neutral","sentiment_score":-0.23169091641902922},{"text":"Got it.","start":2434.05,"end":2434.87,"sentiment":"neutral","sentiment_score":0.009581271559000015},{"text":"And then, yeah, obviously, in regards to setting up a will there, you've either got to do, like, your post office will or establish that with a lawyer with the the will and power of attorney and things like that as well.","start":2435.17,"end":2444.55,"sentiment":"neutral","sentiment_score":0.0804560829308771}],"sentiment":"neutral","sentiment_score":0.008914551012358576,"num_words":106,"start":2417.075,"end":2444.55},{"sentences":[{"text":"But do you have any questions in regards to that at all, John?","start":2445.045,"end":2448.345,"sentiment":"neutral","sentiment_score":0.03345907852053642},{"text":"Yeah.","start":2467.06,"end":2467.46,"sentiment":"positive","sentiment_score":0.42796456813812256},{"text":"It obviously is quite simple in terms of what the recommendation is.","start":2467.46,"end":2470.74,"sentiment":"positive","sentiment_score":0.43784930060307187},{"text":"We're looking at still keeping, you know, the active investment there and just pairing it with some passive ETFs and getting that moving forward and then just doing that retention strategy for your insurances currently until you get a chance to to doing that as well plus your estate planning matters.","start":2470.74,"end":2484.835,"sentiment":"neutral","sentiment_score":0.33207208005821004},{"text":"But as I said, we haven't run through, like, all the advantages, disadvantages.","start":2484.835,"end":2488.48,"sentiment":"neutral","sentiment_score":-0.010395040735602379}],"sentiment":"neutral","sentiment_score":0.25464071943942046,"num_words":90,"start":2445.045,"end":2488.48},{"sentences":[{"text":"I don't wanna keep you on the phone for three hours, but feel free to have a read through it, see if you have any questions, and come back with it.","start":2488.54,"end":2494.72,"sentiment":"neutral","sentiment_score":0.02646032576599429},{"text":"I'll send off an email with the budget planner and just they'll send off the beneficiary forms and things like that when they get a chance.","start":2494.86,"end":2500.56,"sentiment":"neutral","sentiment_score":0.16294237742057213},{"text":"And then, yeah, if you do have any questions for that, just reply to my email.","start":2501.325,"end":2504.625,"sentiment":"neutral","sentiment_score":0.1909382799640298},{"text":"Have read through it, see if there's any questions that do pop up.","start":2505.2449,"end":2508.065,"sentiment":"neutral","sentiment_score":0.22733943278972918},{"text":"And then if you're happy to sign it, then they'll get that implemented in the in the back end and get that all rolling once it comes through.","start":2508.205,"end":2513.64,"sentiment":"neutral","sentiment_score":0.3122971739087786}],"sentiment":"neutral","sentiment_score":0.17378524462120576,"num_words":114,"start":2488.54,"end":2513.64},{"sentences":[{"text":"Not a problem.","start":2528.215,"end":2529.035,"sentiment":"neutral","sentiment_score":0.33103908101717633},{"text":"Obviously, if you do sort of see anything in that regarding that and any sort of changes or any concerns you might have, feel free to just reach out.","start":2529.175,"end":2536.215,"sentiment":"neutral","sentiment_score":0.21986230051723019},{"text":"Otherwise, if it is signed there, that will sort of start once they get that come through and sort of get on to it.","start":2536.215,"end":2542.5999,"sentiment":"neutral","sentiment_score":0.24001904018223286},{"text":"Maybe I'll just have a quick look and see if that one's popped back up.","start":2554.5151,"end":2557.655,"sentiment":"neutral","sentiment_score":0.037146044957141085},{"text":"It may just take a second to come through back to me to say that it's fine.","start":2560.675,"end":2565.27,"sentiment":"neutral","sentiment_score":0.08759499516557245}],"sentiment":"neutral","sentiment_score":0.1724532558476891,"num_words":88,"start":2528.215,"end":2565.27},{"sentences":[{"text":"But that's not a problem at all.","start":2565.59,"end":2566.6301,"sentiment":"neutral","sentiment_score":0.3238352877753122},{"text":"If they do have any issues with it, they'll just contact you anyway then.","start":2566.6301,"end":2569.69,"sentiment":"neutral","sentiment_score":0.14705103582569531},{"text":"But, otherwise, I'll let you get back to it.","start":2570.6301,"end":2572.87,"sentiment":"neutral","sentiment_score":0.11223968097733127},{"text":"I don't wanna have you on the phone too long, and I'll let you sort of get ready for your your long trip there.","start":2572.87,"end":2577.11,"sentiment":"neutral","sentiment_score":-0.006527360839148362},{"text":"Maybe you can get away a bit earlier and sort of avoid some of the traffic, have a coffee in the other.","start":2577.11,"end":2581.05,"sentiment":"neutral","sentiment_score":0.007472862743518571}],"sentiment":"neutral","sentiment_score":0.07030874953948353,"num_words":76,"start":2565.59,"end":2581.05},{"sentences":[{"text":"But otherwise yeah.","start":2583.245,"end":2585.885,"sentiment":"neutral","sentiment_score":0.01777286206682523},{"text":"Otherwise, thanks for your time.","start":2585.885,"end":2587.165,"sentiment":"positive","sentiment_score":0.48721052408218385},{"text":"I know it has been a bit on the phone there, and I'll I'll let you get back to the afternoon.","start":2587.165,"end":2589.965,"sentiment":"neutral","sentiment_score":0.16171835185516448},{"text":"Good luck with the the cat.","start":2589.965,"end":2591.2651,"sentiment":"positive","sentiment_score":0.6309968034426371},{"text":"Not a problem at all.","start":2596.94,"end":2597.82,"sentiment":"positive","sentiment_score":0.5226577758789063}],"sentiment":"neutral","sentiment_score":0.3071181573905051,"num_words":40,"start":2583.245,"end":2597.82},{"sentences":[{"text":"Anytime, John, just reach out if you have any questions.","start":2597.82,"end":2600.64,"sentiment":"neutral","sentiment_score":0.3271498531103134},{"text":"No problem.","start":2602.94,"end":2603.58,"sentiment":"positive","sentiment_score":0.5930380523204803},{"text":"Enjoy now.","start":2603.58,"end":2604.3,"sentiment":"positive","sentiment_score":0.6746714115142822},{"text":"Bye.","start":2604.3,"end":2604.8,"sentiment":"positive","sentiment_score":0.4706144332885742}],"sentiment":"positive","sentiment_score":0.41850212613741555,"num_words":15,"start":2597.82,"end":2604.8}]}}]},{"alternatives":[{"transcript":"Hello. John speaking. Thank you very much, and thank you for calling me slightly earlier. Yep. So my name is John Samuel Anderson. My date of birth is the 08/25/1987, and my address is Unit 3948 Eucalyptus Drive, Maidstone, Victoria 3012. Yep. No. Job's the same. I've been like, I think last year, I got a, what, a CPI pay increase. Let me see. August. Sorry. I'll just pull it up on my payslip. That's the one. Yeah. Alright. Sorry. Excluding Super, I'm on $76,786. Yes. I think the total package is 80,000 flat. Or might oh, it might be 86. I don't know. I can depend on. Yeah. I don't remember exactly. I know I know it's, like, the mandatory percentage. Because because my firm only talks in terms of, you know, all inclusive, which is super annoying because I sit down in my meeting and I pull up a website to tell me how much you're getting paid per fortnight. I'm like, Yeah. Because the, yeah, because the pay increase takes effect 1. My my cat just came out of surgery, so I just I'm just about to pick up about $2 of no interest debt. I unfortunately, he's still hanging around asking for cigarettes, and he the loan is down to $2,784.87. Yeah. Yeah. And she had I found out that cats have 32 teeth, and they've had to rip out all but six of them. So that's why the vet bill's so high. No. My when I first got my cat at about five months, she already had, like, dental gum issues, and now it's gotten to two years old. And the efforts that I've tried to put in the cleanup clean up what's going on in her mouth has not worked. But it's okay. She'll still lead a full life. It's just wet food and pate for the rest of her days. Cool. No. No. That's lovely wet food. So Yeah. No. Well, I've I've I've gotta put on the the gap. So there's so the no interest line is 2,000. I'm looking at a gap of about $300. So I'm gonna have to slap that on there. But it's NAB. They're very strict on their four payments. Like, as soon as I tap that card, the first payment's out the door. Even though the transaction hasn't cleared yet, it's already disappeared off my bank statement and gone. So but the the card max is a thousand dollars, so it won't get any higher than that. Yes. Yeah. Yeah. It'll just be the four repayments, and then that's and then that's done. So I'll probably be focusing on that and then going back to the personal loan again. As far as the no interest loan goes, it's only $38 a fortnight, so I'll just let that tick. No. Unfortunately not. My savings is sitting at $20. Yeah. Well, hopefully, that's it for the vet for a little while. Yeah. It's not a current. Yes. From a mister Giddings. Yes. I'm just gonna get to North Melbourne by 06:00, which is about a half an hour drive, and I'll be going against peak hour traffic. So so 05:30 is probably the latest I wanna leave. That's an hour and a half. Is that gonna be enough time? Yeah. Mhmm. Yep. Yep. Yep. Okay. That sounds good. I'm hoping that's next financial year. I'm hoping. That that that's my goal. I should have everything paid off, and then I can afford to pay all the doctors. Alright. Yep. Yep. Yeah. Yep. I haven't I mean, I've been receiving regular emails about what's going on in the economy and stuff, but that's about it. Yeah. Yeah. That'll be good because I I just use a spreadsheet and list everything at the moment. Yep. Yep. Yep. Yep. That sounds good. I'll bite you. Yeah. Yeah. Yep. Office of an assistant, '86. Yep. 38. Oh, I'll be 39 this year. Damn. That's that's honestly fair enough. Yeah. I got that. Yeah. Yeah. Yeah. Those look right. Yeah. Yep. Of course. I well, I know I know I know defensive assets tend to earn less, you know, higher risk car higher reward, but also higher losses. That's that's about as familiar as I am with them. And I know because I've still got what the way government's going, probably thirty, forty years of working life left. That that that that's why I was kinda like, yeah. Yeah. High growth. High growth. Because I'm like, I still got forty years, maybe. Yep. Mhmm. Beautiful. Yep. Yep. Yep. Yep. That sounds good. Yep. Do you still have access to the the balance in the MLC still? Yeah. Because because I'm I'm just about to log in to MLC now. Just think that you wanted to know what the update balance was, but I'm happy to fill out any forms that you by any permission slips and whatnot you might want. Yeah. Yeah. Yeah. Of course. The current balance as it stands at the moment is $23,903.37. Yeah. Probably Systar. Oh, god. That's all the negatives. Yeah. Last contribution was in January. Yep. Yep. Mhmm. Yep. Okay. Yep. Yeah. Fine. Oh, yeah. And to make sure that the appropriate balance is maintained as well, I guess. No. Yep. Yep. Yeah. It does it does look pretty pretty varied. Yep. Yep. That sounds good. I like that. At the moment, I don't have any queries in regard to, like, anything ethical. My bank balance isn't high enough to to have that concern just yet. It makes you sound like a bad person, but Yes. Yes. Oh god. Can you imagine the scandal? Yep. K. Yeah. When you're when you're diversifying overseas, there's always that risk, I suppose. No. No. No. Until until my balance is, like, in 6 figures, I'm happy to be just earning cash. Yep. Okay. Yep. Yep. Okay. Yep. That sounds good. I'll lock it. Yep. Oh, yeah. Can you imagine? Okay. Impact on you. Okay. Yep. That's right. Yeah. Yeah. Yeah. Yep. Yeah. Because I think I've set my I can't find it on the MSC account at the moment, but I think I set the super to go a 100% to the estate anyway, I think. Yeah. I think I think it's definitely that one. Yeah. You're right for Netwealth, but I think MLC, I just went to the estate from memory. Yep. Yep. Yep. That's fair enough. Yep. Yep. I'll I'll need to get on that. Yeah. I'll I'll I'll take a look at some options. Okay. Yeah. Yep. That makes sense. It says a piece of paper to point to, then plus the arguments. Sweet. Thank you. I appreciate it. Thank you. Yep. I got a printer at work, so that's fine. If you email it to me, I'll just print it out there. And so so for Netwealth, am I just sending it to the estate as well? Do I have that option? Or okay. Sweet. Okay. Yep. No. This this device is pretty thorough. I'll have to sit down and have a good read of it laid up, but I'm very, very happy to proceed. Like, if if that's what you recommend, then I'm happy to go for it. Yep. Yep. Beautiful. Well, in that case, I'm just waiting for it to sign now, and then you should be good to go. Yep. I've just signed it. It's just come through as signed, so you should be golden. Yes. Can I send this call? Thank you very much, mate, and thank you very much for your advice and and your help. Will do. Thank you very much, mate. Will do. Thank you. 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John speaking. Thank you very much, and thank you for calling me slightly earlier. Yep. So my name is John Samuel Anderson.\n\nMy date of birth is the 08/25/1987, and my address is Unit 3948 Eucalyptus Drive, Maidstone, Victoria 3012. Yep. No. Job's the same. I've been like, I think last year, I got a, what, a CPI pay increase.\n\nLet me see. August. Sorry. I'll just pull it up on my payslip. That's the one.\n\nYeah. Alright. Sorry. Excluding Super, I'm on $76,786. Yes.\n\nI think the total package is 80,000 flat. Or might oh, it might be 86. I don't know. I can depend on. Yeah.\n\nI don't remember exactly. I know I know it's, like, the mandatory percentage. Because because my firm only talks in terms of, you know, all inclusive, which is super annoying because I sit down in my meeting and I pull up a website to tell me how much you're getting paid per fortnight. I'm like, Yeah. Because the, yeah, because the pay increase takes effect 1.\n\nMy my cat just came out of surgery, so I just I'm just about to pick up about $2 of no interest debt. I unfortunately, he's still hanging around asking for cigarettes, and he the loan is down to $2,784.87. Yeah. Yeah. And she had I found out that cats have 32 teeth, and they've had to rip out all but six of them.\n\nSo that's why the vet bill's so high. No. My when I first got my cat at about five months, she already had, like, dental gum issues, and now it's gotten to two years old. And the efforts that I've tried to put in the cleanup clean up what's going on in her mouth has not worked. But it's okay.\n\nShe'll still lead a full life. It's just wet food and pate for the rest of her days. Cool. No. No.\n\nThat's lovely wet food. So Yeah. No. Well, I've I've I've gotta put on the the gap. So there's so the no interest line is 2,000.\n\nI'm looking at a gap of about $300. So I'm gonna have to slap that on there. But it's NAB. They're very strict on their four payments. Like, as soon as I tap that card, the first payment's out the door.\n\nEven though the transaction hasn't cleared yet, it's already disappeared off my bank statement and gone. So but the the card max is a thousand dollars, so it won't get any higher than that. Yes. Yeah. Yeah.\n\nIt'll just be the four repayments, and then that's and then that's done. So I'll probably be focusing on that and then going back to the personal loan again. As far as the no interest loan goes, it's only $38 a fortnight, so I'll just let that tick. No. Unfortunately not.\n\nMy savings is sitting at $20. Yeah. Well, hopefully, that's it for the vet for a little while. Yeah. It's not a current.\n\nYes. From a mister Giddings. Yes. I'm just gonna get to North Melbourne by 06:00, which is about a half an hour drive, and I'll be going against peak hour traffic. So so 05:30 is probably the latest I wanna leave.\n\nThat's an hour and a half. Is that gonna be enough time? Yeah. Mhmm. Yep.\n\nYep. Yep. Okay. That sounds good. I'm hoping that's next financial year.\n\nI'm hoping. That that that's my goal. I should have everything paid off, and then I can afford to pay all the doctors. Alright. Yep.\n\nYep. Yeah. Yep. I haven't I mean, I've been receiving regular emails about what's going on in the economy and stuff, but that's about it. Yeah.\n\nYeah. That'll be good because I I just use a spreadsheet and list everything at the moment. Yep. Yep. Yep.\n\nYep. That sounds good. I'll bite you. Yeah. Yeah.\n\nYep. Office of an assistant, '86. Yep. 38. Oh, I'll be 39 this year.\n\nDamn. That's that's honestly fair enough. Yeah. I got that. Yeah.\n\nYeah. Yeah. Those look right. Yeah. Yep.\n\nOf course. I well, I know I know I know defensive assets tend to earn less, you know, higher risk car higher reward, but also higher losses. That's that's about as familiar as I am with them. And I know because I've still got what the way government's going, probably thirty, forty years of working life left. That that that that's why I was kinda like, yeah.\n\nYeah. High growth. High growth. Because I'm like, I still got forty years, maybe. Yep.\n\nMhmm. Beautiful. Yep. Yep. Yep.\n\nYep. That sounds good. Yep. Do you still have access to the the balance in the MLC still? Yeah.\n\nBecause because I'm I'm just about to log in to MLC now. Just think that you wanted to know what the update balance was, but I'm happy to fill out any forms that you by any permission slips and whatnot you might want. Yeah. Yeah. Yeah.\n\nOf course. The current balance as it stands at the moment is $23,903.37. Yeah. Probably Systar. Oh, god.\n\nThat's all the negatives. Yeah. Last contribution was in January. Yep. Yep.\n\nMhmm. Yep. Okay. Yep. Yeah.\n\nFine. Oh, yeah. And to make sure that the appropriate balance is maintained as well, I guess. No. Yep.\n\nYep. Yeah. It does it does look pretty pretty varied. Yep. Yep.\n\nThat sounds good. I like that. At the moment, I don't have any queries in regard to, like, anything ethical. My bank balance isn't high enough to to have that concern just yet. It makes you sound like a bad person, but Yes.\n\nYes. Oh god. Can you imagine the scandal? Yep. K.\n\nYeah. When you're when you're diversifying overseas, there's always that risk, I suppose. No. No. No.\n\nUntil until my balance is, like, in 6 figures, I'm happy to be just earning cash. Yep. Okay. Yep. Yep.\n\nOkay. Yep. That sounds good. I'll lock it. Yep.\n\nOh, yeah. Can you imagine? Okay. Impact on you. Okay.\n\nYep. That's right. Yeah. Yeah. Yeah.\n\nYep. Yeah. Because I think I've set my I can't find it on the MSC account at the moment, but I think I set the super to go a 100% to the estate anyway, I think. Yeah. I think I think it's definitely that one.\n\nYeah. You're right for Netwealth, but I think MLC, I just went to the estate from memory. Yep. Yep. Yep.\n\nThat's fair enough. Yep. Yep. I'll I'll need to get on that. Yeah.\n\nI'll I'll I'll take a look at some options. Okay. Yeah. Yep. That makes sense.\n\nIt says a piece of paper to point to, then plus the arguments. Sweet. Thank you. I appreciate it. Thank you.\n\nYep. I got a printer at work, so that's fine. If you email it to me, I'll just print it out there. And so so for Netwealth, am I just sending it to the estate as well? Do I have that option?\n\nOr okay. Sweet. Okay. Yep. No.\n\nThis this device is pretty thorough. I'll have to sit down and have a good read of it laid up, but I'm very, very happy to proceed. Like, if if that's what you recommend, then I'm happy to go for it. Yep. Yep.\n\nBeautiful. Well, in that case, I'm just waiting for it to sign now, and then you should be good to go. Yep. I've just signed it. It's just come through as signed, so you should be golden.\n\nYes. Can I send this call? Thank you very much, mate, and thank you very much for your advice and and your help. Will do. Thank you very much, mate.\n\nWill do. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.061699993908405304},{"text":"John speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.05353308282792568},{"text":"Thank you very much, and thank you for calling me slightly earlier.","start":6.72,"end":9.94,"sentiment":"positive","sentiment_score":0.6943924278020859},{"text":"Yep.","start":24.575,"end":24.895,"sentiment":"neutral","sentiment_score":0.08890920877456665},{"text":"So my name is John Samuel Anderson.","start":24.895,"end":27.154999,"sentiment":"neutral","sentiment_score":0.06135540455579758}],"sentiment":"positive","sentiment_score":0.39216836234149727,"num_words":23,"start":1.76,"end":27.154999},{"sentences":[{"text":"My date of birth is the 08/25/1987, and my address is Unit 3948 Eucalyptus Drive, Maidstone, Victoria 3012.","start":27.38,"end":39.735,"sentiment":"neutral","sentiment_score":0.06322504062619475},{"text":"Yep.","start":55.83,"end":56.33,"sentiment":"neutral","sentiment_score":-0.03719707205891609},{"text":"No.","start":72.405,"end":72.805,"sentiment":"neutral","sentiment_score":-0.2419002652168274},{"text":"Job's the same.","start":72.805,"end":73.865005,"sentiment":"neutral","sentiment_score":-0.29661667346954346},{"text":"I've been like, I think last year, I got a, what, a CPI pay increase.","start":75.045006,"end":81.85,"sentiment":"neutral","sentiment_score":-0.17348869442939757}],"sentiment":"neutral","sentiment_score":-0.06929544849615348,"num_words":38,"start":27.38,"end":81.85},{"sentences":[{"text":"Let me see.","start":89.03,"end":89.845,"sentiment":"neutral","sentiment_score":-0.003998210343221824},{"text":"August.","start":89.845,"end":90.345,"sentiment":"neutral","sentiment_score":0.0014851680025458336},{"text":"Sorry.","start":90.885,"end":91.385,"sentiment":"neutral","sentiment_score":0.0009331218898296356},{"text":"I'll just pull it up on my payslip.","start":94.005,"end":95.865,"sentiment":"neutral","sentiment_score":0.04993964242748916},{"text":"That's the one.","start":105.19,"end":105.91,"sentiment":"neutral","sentiment_score":0.10677496840556462}],"sentiment":"neutral","sentiment_score":0.04439160646870732,"num_words":16,"start":89.03,"end":105.91},{"sentences":[{"text":"Yeah.","start":105.91,"end":106.41,"sentiment":"neutral","sentiment_score":0.22343136370182037},{"text":"Alright.","start":134.66,"end":135.16,"sentiment":"neutral","sentiment_score":0.03831901773810387},{"text":"Sorry.","start":135.22,"end":135.72,"sentiment":"neutral","sentiment_score":-0.04094100371003151},{"text":"Excluding Super, I'm on $76,786.","start":138.945,"end":144.96501,"sentiment":"neutral","sentiment_score":-0.035888200253248216},{"text":"Yes.","start":156.16,"end":156.56,"sentiment":"neutral","sentiment_score":0.09403359889984132}],"sentiment":"neutral","sentiment_score":0.015044663929276995,"num_words":9,"start":105.91,"end":156.56},{"sentences":[{"text":"I think the total package is 80,000 flat.","start":156.56,"end":160.90001,"sentiment":"neutral","sentiment_score":0.09573387634009123},{"text":"Or might oh, it might be 86.","start":162.32,"end":164.285,"sentiment":"neutral","sentiment_score":0.0637785866856575},{"text":"I don't know.","start":166.505,"end":167.485,"sentiment":"neutral","sentiment_score":0.019654872827231884},{"text":"I can depend on.","start":173.785,"end":175.005,"sentiment":"neutral","sentiment_score":-0.028706356417387724},{"text":"Yeah.","start":177.95999,"end":178.28,"sentiment":"neutral","sentiment_score":-0.03094944730401039}],"sentiment":"neutral","sentiment_score":0.04893525491428116,"num_words":23,"start":156.56,"end":178.28},{"sentences":[{"text":"I don't remember exactly.","start":178.28,"end":179.73999,"sentiment":"neutral","sentiment_score":-0.1040783729404211},{"text":"I know I know it's, like, the mandatory percentage.","start":179.95999,"end":184.06,"sentiment":"neutral","sentiment_score":-0.09757318099339803},{"text":"Because because my firm only talks in terms of, you know, all inclusive, which is super annoying because I sit down in my meeting and I pull up a website to tell me how much you're getting paid per fortnight.","start":189.265,"end":204.545,"sentiment":"negative","sentiment_score":-0.39168814243748784},{"text":"I'm like, Yeah.","start":204.545,"end":231.375,"sentiment":"neutral","sentiment_score":-0.19883645077546439},{"text":"Because the, yeah, because the pay increase takes effect 1.","start":231.375,"end":237.95,"sentiment":"neutral","sentiment_score":0.03877903595566749}],"sentiment":"neutral","sentiment_score":-0.2601623759238106,"num_words":66,"start":178.28,"end":237.95},{"sentences":[{"text":"My my cat just came out of surgery, so I just I'm just about to pick up about $2 of no interest debt.","start":263.88,"end":271.58,"sentiment":"neutral","sentiment_score":-0.01991091263682946},{"text":"I unfortunately, he's still hanging around asking for cigarettes, and he the loan is down to $2,784.87.","start":280.775,"end":296.96002,"sentiment":"neutral","sentiment_score":-0.20705748020726092},{"text":"Yeah.","start":314.79498,"end":315.29498,"sentiment":"neutral","sentiment_score":-0.13389089703559875},{"text":"Yeah.","start":325.05,"end":325.55,"sentiment":"neutral","sentiment_score":-0.0693737119436264},{"text":"And she had I found out that cats have 32 teeth, and they've had to rip out all but six of them.","start":325.77,"end":336.335,"sentiment":"neutral","sentiment_score":-0.1638297133825042}],"sentiment":"neutral","sentiment_score":-0.12164760089945048,"num_words":64,"start":263.88,"end":336.335},{"sentences":[{"text":"So that's why the vet bill's so high.","start":337.835,"end":340.815,"sentiment":"neutral","sentiment_score":-0.2780598811805248},{"text":"No.","start":347.97,"end":348.21002,"sentiment":"neutral","sentiment_score":-0.1430247575044632},{"text":"My when I first got my cat at about five months, she already had, like, dental gum issues, and now it's gotten to two years old.","start":348.21002,"end":358.945,"sentiment":"neutral","sentiment_score":-0.17839666627920592},{"text":"And the efforts that I've tried to put in the cleanup clean up what's going on in her mouth has not worked.","start":358.945,"end":364.805,"sentiment":"negative","sentiment_score":-0.3486032634973526},{"text":"But it's okay.","start":366.625,"end":367.36,"sentiment":"neutral","sentiment_score":0.038412390276789665}],"sentiment":"neutral","sentiment_score":-0.24266419593865673,"num_words":60,"start":337.835,"end":367.36},{"sentences":[{"text":"She'll still lead a full life.","start":367.36,"end":368.63998,"sentiment":"positive","sentiment_score":0.4219970554113388},{"text":"It's just wet food and pate for the rest of her days.","start":368.63998,"end":371.84,"sentiment":"neutral","sentiment_score":0.18912988590697447},{"text":"Cool.","start":371.84,"end":372.34,"sentiment":"neutral","sentiment_score":0.27292829751968384},{"text":"No.","start":378.31998,"end":378.63998,"sentiment":"neutral","sentiment_score":0.0006781332194805145},{"text":"No.","start":378.63998,"end":379.03998,"sentiment":"neutral","sentiment_score":0.12412220239639282}],"sentiment":"neutral","sentiment_score":0.24758426649939447,"num_words":21,"start":367.36,"end":379.03998},{"sentences":[{"text":"That's lovely wet food.","start":379.03998,"end":380.4,"sentiment":"positive","sentiment_score":0.4866078197956085},{"text":"So Yeah.","start":380.4,"end":398.05002,"sentiment":"neutral","sentiment_score":0.09176963195204735},{"text":"No.","start":408.265,"end":408.505,"sentiment":"neutral","sentiment_score":-0.1475440412759781},{"text":"Well, I've I've I've gotta put on the the gap.","start":408.505,"end":411.725,"sentiment":"neutral","sentiment_score":-0.1645471766591072},{"text":"So there's so the no interest line is 2,000.","start":413.30502,"end":416.445,"sentiment":"neutral","sentiment_score":-0.09805638757016924}],"sentiment":"neutral","sentiment_score":-0.02098279818892479,"num_words":26,"start":379.03998,"end":416.445},{"sentences":[{"text":"I'm looking at a gap of about $300.","start":417.86502,"end":421.71,"sentiment":"neutral","sentiment_score":-0.06412301119416952},{"text":"So I'm gonna have to slap that on there.","start":423.44998,"end":425.55,"sentiment":"neutral","sentiment_score":-0.12531507511933646},{"text":"But it's NAB.","start":428.40997,"end":430.83,"sentiment":"neutral","sentiment_score":-0.02948942594230175},{"text":"They're very strict on their four payments.","start":432.40997,"end":435.605,"sentiment":"neutral","sentiment_score":-0.2151967989546912},{"text":"Like, as soon as I tap that card, the first payment's out the door.","start":435.605,"end":438.825,"sentiment":"neutral","sentiment_score":-0.07314103708735534}],"sentiment":"neutral","sentiment_score":-0.10389366232585616,"num_words":41,"start":417.86502,"end":438.825},{"sentences":[{"text":"Even though the transaction hasn't cleared yet, it's already disappeared off my bank statement and gone.","start":440.325,"end":447.605,"sentiment":"neutral","sentiment_score":-0.2589163277298212},{"text":"So but the the card max is a thousand dollars, so it won't get any higher than that.","start":447.605,"end":454.84,"sentiment":"neutral","sentiment_score":-0.09543671997057067},{"text":"Yes.","start":460.02002,"end":460.52002,"sentiment":"neutral","sentiment_score":0.08176407217979431},{"text":"Yeah.","start":461.22,"end":461.7,"sentiment":"neutral","sentiment_score":0.09227194637060164},{"text":"Yeah.","start":461.7,"end":461.94,"sentiment":"neutral","sentiment_score":0.12471793591976166}],"sentiment":"neutral","sentiment_score":-0.1503180607750609,"num_words":37,"start":440.325,"end":461.94},{"sentences":[{"text":"It'll just be the four repayments, and then that's and then that's done.","start":461.94,"end":466.045,"sentiment":"neutral","sentiment_score":0.15020545514730307},{"text":"So I'll probably be focusing on that and then going back to the personal loan again.","start":466.18503,"end":474.605,"sentiment":"neutral","sentiment_score":0.13366432394832373},{"text":"As far as the no interest loan goes, it's only $38 a fortnight, so I'll just let that tick.","start":475.86502,"end":485.53998,"sentiment":"neutral","sentiment_score":0.12890186043162094},{"text":"No.","start":498.255,"end":498.73502,"sentiment":"neutral","sentiment_score":-0.06495262682437897},{"text":"Unfortunately not.","start":498.73502,"end":499.875,"sentiment":"neutral","sentiment_score":-0.1329558864235878}],"sentiment":"neutral","sentiment_score":0.12175629507092868,"num_words":51,"start":461.94,"end":499.875},{"sentences":[{"text":"My savings is sitting at $20.","start":501.215,"end":503.875,"sentiment":"neutral","sentiment_score":-0.0921490453183651},{"text":"Yeah.","start":522.605,"end":523.105,"sentiment":"neutral","sentiment_score":0.06390734016895294},{"text":"Well, hopefully, that's it for the vet for a little while.","start":523.165,"end":530.945,"sentiment":"neutral","sentiment_score":0.027349955994974483},{"text":"Yeah.","start":540.62,"end":540.86,"sentiment":"neutral","sentiment_score":0.0348924845457077},{"text":"It's not a 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time?","start":617.12,"end":618.66,"sentiment":"neutral","sentiment_score":-0.15370418007175127},{"text":"Yeah.","start":629.135,"end":629.635,"sentiment":"neutral","sentiment_score":0.0658048540353775},{"text":"Mhmm.","start":662.48505,"end":662.98505,"sentiment":"neutral","sentiment_score":0.11529901623725893},{"text":"Yep.","start":664.34,"end":664.84,"sentiment":"neutral","sentiment_score":0.14752459526062012}],"sentiment":"neutral","sentiment_score":-0.0438596349209547,"num_words":15,"start":615.68,"end":664.84},{"sentences":[{"text":"Yep.","start":691.23505,"end":691.47504,"sentiment":"neutral","sentiment_score":0.09887316823005676},{"text":"Yep.","start":691.47504,"end":691.79504,"sentiment":"neutral","sentiment_score":0.11859117448329926},{"text":"Okay.","start":691.79504,"end":692.25,"sentiment":"neutral","sentiment_score":0.2743699550628662},{"text":"That sounds good.","start":692.41,"end":693.13,"sentiment":"positive","sentiment_score":0.5989114046096802},{"text":"I'm hoping that's next financial year.","start":693.13,"end":695.23,"sentiment":"positive","sentiment_score":0.46057286361853284}],"sentiment":"positive","sentiment_score":0.4210004744430383,"num_words":12,"start":691.23505,"end":695.23},{"sentences":[{"text":"I'm hoping.","start":696.01,"end":696.75,"sentiment":"neutral","sentiment_score":0.3102486580610275},{"text":"That that that's my goal.","start":697.37,"end":698.57,"sentiment":"positive","sentiment_score":0.6303668141365051},{"text":"I should have everything paid off, and then I can afford to pay all the doctors.","start":698.57,"end":701.95,"sentiment":"positive","sentiment_score":0.3475363776087761},{"text":"Alright.","start":743.605,"end":743.925,"sentiment":"neutral","sentiment_score":0.05794612690806389},{"text":"Yep.","start":743.925,"end":744.245,"sentiment":"neutral","sentiment_score":0.022174669429659843}],"sentiment":"positive","sentiment_score":0.37652136899530886,"num_words":25,"start":696.01,"end":744.245},{"sentences":[{"text":"Yep.","start":744.245,"end":744.57,"sentiment":"neutral","sentiment_score":0.013393830507993698},{"text":"Yeah.","start":772.385,"end":772.56,"sentiment":"neutral","sentiment_score":0.1458086371421814},{"text":"Yep.","start":782.8,"end":783.3,"sentiment":"positive","sentiment_score":0.3547367453575134},{"text":"I haven't I mean, I've been receiving regular emails about what's going on in the economy and stuff, but that's about it.","start":812.035,"end":821.095,"sentiment":"neutral","sentiment_score":-0.05835488743402741},{"text":"Yeah.","start":844.945,"end":845.445,"sentiment":"neutral","sentiment_score":0.056153539568185806}],"sentiment":"neutral","sentiment_score":-0.02745056811433572,"num_words":26,"start":744.245,"end":845.445},{"sentences":[{"text":"Yeah.","start":870.225,"end":870.545,"sentiment":"neutral","sentiment_score":0.2554054260253906},{"text":"That'll be good because I I just use a spreadsheet and list everything at the 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thorough.","start":2450.675,"end":2453.495,"sentiment":"neutral","sentiment_score":0.3171842892964681},{"text":"I'll have to sit down and have a good read of it laid up, but I'm very, very happy to proceed.","start":2453.715,"end":2461.895,"sentiment":"positive","sentiment_score":0.46842468352544875},{"text":"Like, if if that's what you recommend, then I'm happy to go for it.","start":2462.23,"end":2466.4102,"sentiment":"positive","sentiment_score":0.6030532270669937},{"text":"Yep.","start":2495.3801,"end":2495.8801,"sentiment":"neutral","sentiment_score":0.14886274933815002},{"text":"Yep.","start":2500.9001,"end":2501.295,"sentiment":"neutral","sentiment_score":0.15273669362068176}],"sentiment":"positive","sentiment_score":0.47638066771418547,"num_words":43,"start":2450.675,"end":2501.295},{"sentences":[{"text":"Beautiful.","start":2514.575,"end":2515.075,"sentiment":"positive","sentiment_score":0.5782097578048706},{"text":"Well, in that case, I'm just waiting for it to sign now, and then you should be good to go.","start":2515.775,"end":2524.06,"sentiment":"positive","sentiment_score":0.4595581039786339},{"text":"Yep.","start":2543.995,"end":2544.315,"sentiment":"positive","sentiment_score":0.3800088167190552},{"text":"I've just signed it.","start":2544.315,"end":2545.43,"sentiment":"positive","sentiment_score":0.4946169778704643},{"text":"It's just come through as signed, so you should be golden.","start":2545.43,"end":2548.49,"sentiment":"positive","sentiment_score":0.5587015693837946}],"sentiment":"positive","sentiment_score":0.4938801575351406,"num_words":37,"start":2514.575,"end":2548.49},{"sentences":[{"text":"Yes.","start":2564.0051,"end":2564.5051,"sentiment":"neutral","sentiment_score":0.16218958795070648},{"text":"Can I send this call?","start":2570.89,"end":2584.605,"sentiment":"neutral","sentiment_score":-0.010425767675042153},{"text":"Thank you very much, mate, and thank you very much for your advice and and your help.","start":2591.805,"end":2596.203,"sentiment":"positive","sentiment_score":0.8312878117841833},{"text":"Will do.","start":2601.003,"end":2601.483,"sentiment":"positive","sentiment_score":0.5076197385787964},{"text":"Thank you very much, mate.","start":2601.483,"end":2602.8628,"sentiment":"positive","sentiment_score":0.7713802933692933}],"sentiment":"positive","sentiment_score":0.6371364831303556,"num_words":30,"start":2564.0051,"end":2602.8628},{"sentences":[{"text":"Will do.","start":2604.8428,"end":2605.243,"sentiment":"positive","sentiment_score":0.5449378490447998},{"text":"Thank you.","start":2605.243,"end":2605.6428,"sentiment":"positive","sentiment_score":0.6734500825405121},{"text":"Bye bye.","start":2605.6428,"end":2606.303,"sentiment":"neutral","sentiment_score":0.09829425439238548}],"sentiment":"positive","sentiment_score":0.4388940619925658,"num_words":6,"start":2604.8428,"end":2606.303}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. John speaking.\n\nChannel 0: Good afternoon, John. It's Kyle calling from OCE Financial. How are you today?\n\nChannel 1: Thank you very much, and thank you for calling me slightly earlier.\n\nChannel 0: No. That's not a problem at all. I actually had a cancellation, so it works out alright for me. So it's pretty good. But just to jump into that there today there, John, if I could pass you through securities, that name, date of birth, and current address, we'll get stuck into that today.\n\nChannel 1: Yep. So my name is John Samuel Anderson. My date of birth is the 08/25/1987, and my address is Unit 3948 Eucalyptus Drive, Maidstone, Victoria 3012.\n\nChannel 0: Perfect. Thanks for that on there, John. Now as you're aware, it obviously has been a little bit since we last spoke, so I do apologize for the wait. Obviously, the end of last year and a few business changes, it's just taken a second to to get through the backlog and get things rolling again\n\nChannel 1: Yep.\n\nChannel 0: with changing CRMs and everything. So I do apologize for the wait there. Just to confirm, though, since we did last speak, has there been any significant changes in regards to your circumstances? I know you're mainly focused on paying down your your personal loan, but any changes like occupation, things like that or anything?\n\nChannel 1: No. Job's the same. I've been like, I think last year, I got a, what, a CPI pay increase.\n\nChannel 0: Okay. Nice. What sort are you sitting on at the moment in regards to gross income?\n\nChannel 1: Let me see. August. Sorry. I'll just pull it up on my payslip.\n\nChannel 0: That's not a problem. Just while you're doing that too, John, can I confirm that your email is still John.sa@Outlook.com?\n\nChannel 1: That's the one. Yeah.\n\nChannel 0: Perfect. Because that's what I'll be sending through those documents there today just to get a a start on that. So they're coming through. That'll just have the same advice, the Oakview services guide and the financial services guide that have been updated in regards to that as well as the the appendix and also the PDFs for your current retail super fund you have here with us. So that'll come through there shortly as well just so we're able to run through those together.\n\nChannel 1: Alright. Sorry. Excluding Super, I'm on $76,786.\n\nChannel 0: Yep. And then you just get the the 12%, obviously?\n\nChannel 1: Yes. I think the total package is 80,000 flat. Or might oh, it might be 86.\n\nChannel 0: Okay. So\n\nChannel 1: I\n\nChannel 0: I did have,\n\nChannel 1: don't know.\n\nChannel 0: like, gross at 86 including the superannuation the last time we spoke. So\n\nChannel 1: I can depend on. Yeah. I don't remember exactly. I know I know it's, like, the mandatory percentage.\n\nChannel 0: yep.\n\nChannel 1: Because because my firm only talks in terms of, you know, all inclusive,\n\nChannel 0: Okay.\n\nChannel 1: which is super annoying because I sit down in my meeting and I pull up a website to tell me how much you're getting paid per fortnight. I'm like,\n\nChannel 0: Yeah. No. Under understandable there. I'll just do a quick calculation based on that. So it's $7.06 700, basically.\n\nYes. It does come out to around the $80.86 mark. Maybe the last time we did speak, it was after you had that CPI increase before. So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Because\n\nChannel 0: fine.\n\nChannel 1: the, yeah, because the pay increase takes effect 1.\n\nChannel 0: Oh, okay. Yeah. We I think we did speak around the July, I think, even, please. Yeah. Twenty seventh of the 2025.\n\nSo that would have been, yeah, just after your pay increase there. So that does sound about right in terms of, like, what you are getting there. Any other sort of major updates there, John?\n\nChannel 1: My my cat just came out of surgery, so I just I'm just about to pick up about $2 of no interest debt.\n\nChannel 0: Okay. Yep. And is that how much did you manage to pay down on your your personal loan that you had previously?\n\nChannel 1: I unfortunately, he's still hanging around asking for cigarettes,\n\nChannel 0: Yep.\n\nChannel 1: and he the loan is down to $2,784.87.\n\nChannel 0: That's quite a significant whack that's still come off there given that you were, like, you know, over Christmas and everything, probably, you know, a little bit more lax with the budgeting than more so. Unfortunate, obviously, you know, that the vet bill is probably gonna bump that back up in terms of, like, your total level of debt. Sorry to hear\n\nChannel 1: Yeah.\n\nChannel 0: about the cat, but, obviously, you know, it's still around given the vet bill. So that's a bit of a positive there for you at the end of the day, even though the wallet probably doesn't agree with you there.\n\nChannel 1: Yeah. And she had I found out that cats have 32 teeth,\n\nChannel 0: Okay.\n\nChannel 1: and they've had to rip out all but six of them. So\n\nChannel 0: Well,\n\nChannel 1: that's why the vet bill's so high.\n\nChannel 0: is this due to like a old age type thing or\n\nChannel 1: No. My when I first got my cat at about five months, she already had, like, dental gum issues,\n\nChannel 0: Okay.\n\nChannel 1: and now it's gotten to two years old. And the efforts that I've tried to put in the cleanup clean up what's going on in her mouth has not worked. But it's okay. She'll still lead a full life. It's just wet food and pate for the rest of her days.\n\nCool.\n\nChannel 0: Look, honestly, doesn't sound like a bad laugh to me. But\n\nChannel 1: No.\n\nChannel 0: yeah.\n\nChannel 1: No. That's lovely wet food. So\n\nChannel 0: Exactly. So no no fail. Obviously, the vet bill is not fantastic, but nice full life ahead then. But if that's all in regards to updates, it doesn't affect the advice piece majorly in terms of, like, the changes that have occurred there.\n\nChannel 1: Yeah.\n\nChannel 0: I know you did have, like, a little bit of Afterpay and a bit of savings there as well. I'm assuming have you managed to get rid of the Afterpay, though?\n\nChannel 1: No. Well, I've I've I've gotta put on the the gap. So there's so the no interest line is 2,000.\n\nChannel 0: Yep.\n\nChannel 1: I'm looking at a gap of about $300. So I'm gonna have to slap that on there.\n\nChannel 0: Okay. Yep.\n\nChannel 1: But it's NAB. They're very strict on their four payments. Like, as soon as I tap that card, the first payment's out the door. Even though the transaction hasn't cleared yet, it's already\n\nChannel 0: Yep.\n\nChannel 1: disappeared off my bank statement and gone. So but the the card max is a thousand dollars, so it won't get any higher than that.\n\nChannel 0: And that's a NAV after pay thousand dollar limit, and it's four payments?\n\nChannel 1: Yes. Yeah. Yeah. It'll just be the four repayments, and then that's and then that's done. So I'll probably be focusing on that and then going back to the personal loan again.\n\nAs far as the no interest loan goes, it's only $38 a fortnight, so I'll just let that\n\nChannel 0: Yep. And then as far as the savings, I know\n\nChannel 1: tick.\n\nChannel 0: you had a little bit in in regards to savings there. Have you managed to save up a little bit more even though it's over the Christmas break, or is it still around the sort of $300 mark?\n\nChannel 1: No. Unfortunately not. My savings is sitting at $20.\n\nChannel 0: It is understandable, everything that has gone on. But as long as you sort of focused on making sure that moving forward, yeah, you're still focusing on those debts. Obviously, you know, the unexpected ones that do come out in building that cash buffer, which I know you were already focused on. So that's good at least.\n\nChannel 1: Yeah. Well, hopefully, that's it for the vet for\n\nChannel 0: Yeah.\n\nChannel 1: a little while.\n\nChannel 0: Well, at least the benefit of that is is that there's not too many more teeth to go if it does come down to that. So fingers crossed there for you.\n\nChannel 1: Yeah. It's not\n\nChannel 0: But\n\nChannel 1: a current.\n\nChannel 0: in regards to the email though there, John, did that one come through to be able to run through that there today?\n\nChannel 1: Yes. From a mister Giddings.\n\nChannel 0: Yes. Correct. If you can open up that and then we can just run through that together in regards to the recommendation. It is a pretty straightforward sort of recommendation to what we are because I know you were largely happy with everything. We're just reviewing your rollover retention and then also just having a look at your your investments there as well to make sure that that was still in your your best interest moving forward.\n\nI know we had the discussion around Benelon and what was occurring with that as well. So we're\n\nChannel 1: Yes.\n\nChannel 0: just doing a little update in regards to that. But as soon as you get a chance to open that up, we could run through that And what time do you have to leave? Do you have to leave shortly? Because I can make it a little bit quicker, and you have can have a chance to run through it in your spare time once you're you're home again.\n\nChannel 1: I'm just gonna get to North Melbourne by 06:00, which is about a half an hour drive, and I'll be going against peak hour traffic. So so 05:30 is probably the latest I wanna leave. That's an\n\nChannel 0: Okay.\n\nChannel 1: hour and a half. Is that gonna\n\nChannel 0: Not\n\nChannel 1: be enough\n\nChannel 0: a\n\nChannel 1: time?\n\nChannel 0: yeah. That'll that'll be plenty of time. I'll even try and make it a little bit quicker. I know you don't wanna sort of run out the door. As I said, it is a quite a straightforward piece.\n\nI'll make sure to go through over the key points there for you. Probably only\n\nChannel 1: Yeah.\n\nChannel 0: take about another sort of twenty, thirty minutes. So depending on how many questions you might have just to cover the key points there. I'm not gonna read it word for word because I don't wanna put you to sleep on the other end there, but we'll touch on everything. So as far as the documents that was created for you by myself, Kyle, getting as an authorized representative under Oakview Financial with here as the team as well. As far as best interest to you to confirm confirm, we don't sort of make a recommendation with who feels gonna put you in a better position.\n\nAs far as what we did consider there, I know you just wanted, yeah, as I said, review the the superannuation, make sure it was still getting nice returns while you're younger\n\nChannel 1: Mhmm.\n\nChannel 0: and contributing there. So\n\nChannel 1: Yep.\n\nChannel 0: with that, we had a review of the retention strategy. And if it was on your best interest, we did scope out the personal insurances. I know you were still yet to go about your your sleep apnea and do all your blood tests and everything in a a later date. You're gonna get that sorted. Obviously, you know, it sounds like life's still being quite busy for you as well.\n\nSo once you do have a chance to get around to that, feel free to reach out, and we can review those personal insurances again as well, and if we can look at, like, full consolidation, things like that for you.\n\nChannel 1: Yep. Yep. Okay. That sounds good. I'm hoping that's next financial year.\n\nChannel 0: Next financial\n\nChannel 1: I'm\n\nChannel 0: year.\n\nChannel 1: hoping.\n\nChannel 0: Perfect.\n\nChannel 1: That that that's my goal. I should have everything paid off, and then I can afford to pay all the doctors.\n\nChannel 0: Yep. Understandable. I don't want you to sort of go backwards financially if you're sort of happy with how everything is ticking along and focusing on that debt first. So that's good there. In regards to your estate planning matters, I know you didn't sort of mention too much about it other than the fact that you do realize you do have to do a will, so we just put a recommendation in there.\n\nObviously, we're not lawyers, so we can't look at writing up the will for you. We can look at, obviously, you know, how you might structure and things like that. But given that you sort of, know, don't have the craziest estate, it should be quite a straightforward process and will for you. There is the option to go down to, like, the post office and do the post office wills as well. Even though they're not the most ironclad things, at least you got something there at the end of the day as well.\n\nChannel 1: Alright.\n\nChannel 0: As far\n\nChannel 1: Yep. Yep.\n\nChannel 0: as what's not considered here, I know we did mention budgeting, savings, go over that. I know you were just mainly focused on paying down the personal loan, but, obviously, you know, that's changed a little bit in regards to what you are paying off with the the personal loan and the the vet bill there as well. It's good that you're not paying interest on that one compared to, like, the debt you previously had. So as long as you're sort of mindful on what debt you're trying to pay down additionally, obviously, you wanna potentially focus on the ones that are occurring interest if you are making\n\nChannel 1: Yeah.\n\nChannel 0: additional repayments, as well as the ones that have those those timelines for the, you know, the four payments for your Afterpay one with NAB there.\n\nChannel 1: Yep.\n\nChannel 0: In regards to that debt management there as well and what you're still trying to do that, you're happy managing yourself for now. And then, obviously, travel plans and things like that and planning that out, savings, budgeting for that as well. It's all been scoped out, but we're aware of it for, like, later dates and things like that. And I can't remember the last time we spoke at all there. John, did you receive a copy of the budget planner?\n\nDid I send that through to you just to have for your own reference to be able to utilize?\n\nChannel 1: I haven't I mean, I've been receiving regular emails about what's going on in the economy and stuff, but\n\nChannel 0: Yep.\n\nChannel 1: that's about it.\n\nChannel 0: Okay. I'll send through as I said, I can't remember if I sent it through to you or not. I just a copy of, like, the OPU budget planner there. It's just a nice tool in order to plot out your expenses and monthly expenses just to track your income a little bit better there for you, and then moving forward there as well for your budgeting and saving. Obviously, you know, things like the vet bill obviously come out of the blue and you can't really prepare for things like that.\n\nBut things,\n\nChannel 1: Yeah.\n\nChannel 0: you know, like, Red Joe and like the, you know, the weekly expenses or monthly expenses in regards to, you know, Netflix and stuff like that. It's nice to, one, put it all on a piece of paper to see where you might be able to, you know, cut back in regards to some discretionary spending, but also just to be able to prepare for those other bills there as well. So you're not sort of in, like, a never ending cycle of, like, you think you've got through, and then you've gotten, like, another payment that's come out of nowhere.\n\nChannel 1: Yeah. That'll be good because I I just use a spreadsheet and list everything at the moment.\n\nChannel 0: Yeah. It is very similar. It's like an Excel spreadsheet document, but it's, like a\n\nChannel 1: Yep.\n\nChannel 0: a bit, you know, fancier. It's put together to where it calculates it all for you manually, and you don't have to worry about trying to work your your hand in Excel. You can just put it all in there, change a few things around in regards to what's what, and it'll\n\nChannel 1: Yep.\n\nChannel 0: give you, like, your your negative or positive sort of cash flow. And you can play around with it a little bit and, you know, work things out a little bit better. Do, you know, have have double in the barefoot investor and things like that with the five accounts and, you know, splitting up your money. Those are all sort of ways that you can sort of look to to budget a bit better in regards to, like, your discretionary daily expenses and sort of bills and things like that as well.\n\nChannel 1: Yep. Yep. That sounds good. I'll bite you.\n\nChannel 0: Yeah. Perfect. Now as far as the advice to you, it's basically quite simple. It's partially roll over the MLC superannuation fund to the Netwealth account you do hold, retaining the minimum much like your original advice, and\n\nChannel 1: Yeah.\n\nChannel 0: then changing the underlying investments within Netwealth. And then also a recommendation to put some beneficiary nominations in force, establish your will, and establish your power of attorney there as well. So on\n\nChannel 1: Yeah.\n\nChannel 0: page eight, you'll be able to see your details there. So just feel free to confirm that they are all correct. Same with over the page of assets and liabilities. Obviously, that's changed slightly since we since we last spoke, but it shouldn't affect the advice piece much at all because we're not doing any sort of cash flow and budgeting advice, things like that.\n\nChannel 1: Yep. Office of an assistant, '86. Yep. 38. Oh, I'll be 39 this year.\n\nDamn.\n\nChannel 0: Yep. Never ending March of time, unfortunately. That and COVID, I feel like, took a few years from all of us, so I don't I don't try to count\n\nChannel 1: That's that's\n\nChannel 0: those\n\nChannel 1: honestly\n\nChannel 0: as\n\nChannel 1: fair enough.\n\nChannel 0: much.\n\nChannel 1: Yeah. I got that. Yeah. Yeah. Yeah.\n\nThose look right.\n\nChannel 0: Yeah. Perfect. The next page over that on page 10, there you'll be able to see your current superannuation, estimated balances in regards to your net worth in your MLC plus your MLC group cover. As I said, can review that in future. I know you're just focusing on the the debt there first.\n\nSo once you get around to those doctor's appointments and things like that and get, you know, clear or not or at least a diagnosis, we can definitely review and start that process again when you got a bit of time to just see what\n\nChannel 1: Yeah.\n\nChannel 0: retail cover is available and what the pricing sort of looks like\n\nChannel 1: Yep.\n\nChannel 0: or\n\nChannel 1: Of\n\nChannel 0: even\n\nChannel 1: course.\n\nChannel 0: transfer terms and things like that. As far as the risk risk profile is concerned there, you did score high growth for keeping you within high growth, so there's not much of a change there. But do you have any questions in regards to your risk profile or the split between growth or defensive assets?\n\nChannel 1: I well, I know I know I know defensive assets tend to earn less, you know, higher risk car higher reward, but also higher losses.\n\nChannel 0: Yeah.\n\nChannel 1: That's that's about as familiar as I am with them. And I know because I've still got what the way government's going, probably thirty, forty years of working life left.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: That that that that's why I was kinda like, yeah. Yeah. High growth. High growth. Because I'm like, I still got forty years, maybe.\n\nChannel 0: That, you know, that's sort of the way to look at at the end of the day there as well is that, like, over the shorter period of time, those high growth investments, like you said, quite volatile in the sense that they do have a lot of the ups and the downs, much like even now with what's occurring with the war with Iran. But, you know, twenty years from now, holding those growth assets, they do tend to finish quite well up over, like, a span of twenty to thirty years as opposed to, you know, other investments even with things like, you know, what did occur with COVID. Obviously, it took quite a good dive and then it's come back from that one. And, obviously, now it's taken, like, another dive.\n\nChannel 1: Yep.\n\nChannel 0: In regards to to that one there, the Benelung Fund's the main one we're concerned about with what occurred with that one and changing that one out. Obviously, the portfolio updates a bit of a refresh in general just to get things, you know, more in line with Oakview's investment philosophy moving forward and having\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of an update there for you at the end of the day there as well. I know you still wanted to maintain the the similar sort of, you know, having somewhat active investment within your portfolio and not going to the passive. So we've looked at keeping that for you, and I'll I'll run over that as well. But, yeah, you're about 90% growth assets still and about 10% defensive is what you aim for, and you're pretty in line with that with the new recommendation there as well,\n\nChannel 1: Beautiful.\n\nChannel 0: if that makes sense. So as far as the the best interest, obviously, we're looking at keeping the 10,000 retained in in MLC. Obviously, keep your contributions going there. Each year, we'll sort of do a review and assess all of it's relevant to or a viable strategy to maintain that retention strategy, much like we've done. In\n\nChannel 1: Yep.\n\nChannel 0: regards to having the two funds, you know, Netwealth, obviously, was outperforming the the MLC in regards to those returns and having the more visibility, having access to the service there as well. All reasons we've kept you in the the Netwealth account there.\n\nChannel 1: Yep.\n\nChannel 0: In regards to to that one as well and changing the investment, not only will it reduce investment cost there for you moving forward, it will also remove that underperforming Benelon, which is a bit of a sore spot in regards to your investment growth. But overall, it'll be a balance of ETFs and those managed funds to aim for those sort of not just the the long term growth, but also the ability to try and outperform the markets there with that managers and asset managers to try and, obviously, beat what the markets are doing as well for you.\n\nChannel 1: Yep. Yep. That sounds good.\n\nChannel 0: Yep. So approximately based on those balances, 12,000 would be rolled over into your Netwealth account, and 10,000 would be retained in the MLC. Obviously, we haven't got the forms in here with Netwealth to do stuff to do the rollover form. So once we sort of if you're happy with everything, the team would probably contact you and then just organize the form to be able to complete that rollover. As far as the investment changes as well, that can just be completed in the background.\n\nChannel 1: Yep.\n\nChannel 0: But the benefit wait. Sorry.\n\nChannel 1: Do you still have access to the the balance in the MLC\n\nChannel 0: I believe the TPA might be expired. So with that one, we can update that TPA, and then we can look at getting the updated balances, but still would have\n\nChannel 1: still?\n\nChannel 0: to sorta do the form. But if you don't wanna sorta have to log in and things like that, we can just get there. I can make a note of here to send you that TPA now so that I can check that balance for you.\n\nChannel 1: Yeah. Because because I'm I'm just about to log in to MLC now. Just think that you wanted to know what the update balance was, but I'm happy to fill out any forms that you by any permission slips and whatnot you might want.\n\nChannel 0: Yeah. So it'll just be the rollover form. And then just to confirm sort of, like, once that's happening, if you are happy with everything, they'll just get the most up to date balance because with what's happening in the market, obviously, if you dropped a little bit and we just do the rollover that's based on that figure, then you might sort of be left less than the the 10,000. So that's what we'd wanna confirm at that time, if that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. Of course. The current balance as it stands at the moment is $23,903.37.\n\nChannel 0: Perfect. That should be let me just double check based on the figures. Yeah. So quite similar. It's actually going up a little bit.\n\nI'm assuming you've had a work contribution going probably in that time frame.\n\nChannel 1: Yeah. Probably Systar. Oh, god. That's all the negatives.\n\nChannel 0: Unfortunately, that is the what has been occurring at the moment with everything that has happened. Not the the most ideal scenario.\n\nChannel 1: Yeah. Last contribution\n\nChannel 0: But\n\nChannel 1: was in January.\n\nChannel 0: okay. Yeah. No. Makes sense. But that's a good thing anyway with the contributions going in even if it drops a tiny bit there.\n\nYou'll still have those contributions going in to ensure those insurances remain active in the the interim.\n\nChannel 1: Yep.\n\nChannel 0: As far as the the benefits of this, obviously, it's in line with your your risk profile. It has a mix of passive and active investments, which you still wanted. And then by partially rolling over in the the future and that you will sort of reduce the the overall fees between the the two being split up with two different balances there having it, you know, more consolidated compounding towards your retirement goals there as well as well as remaining a a client there at Oakview Financial and the services that do come with that as well.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, in regards to risk, there's always risk that, you know, the recommended investments don't perform as well just given that, you know, impartially, the investments are the one things that aren't guaranteed in terms of, like, guarantees with providing a service, unfortunately, because no one's got that crystal ball. I couldn't tell you what Trump's doing tomorrow, let alone yesterday. He's gonna you know, go goes much by the beat\n\nChannel 1: Mhmm.\n\nChannel 0: of his own drum. So with that, that all does play effects into what happens in the market within the short term there. Obviously, in the long term, it has less of an impact in terms of, like, the longer term growth, but short term, it can have a lot of volatility impact.\n\nChannel 1: Yep.\n\nChannel 0: Now with in regards to with that volatility at the moment there, you may forego some potential sort of investment growth if the market was to sort of change in the time frame that you were switching over those investments with the changes. And then with that, it can also go the other way there as well, but that's something to be mindful of that. If the markets do change slightly while you're in a cash position, it can sort of have a a bit of a negative impact there as well with those percentages that it could rise or fall.\n\nChannel 1: Okay. Yep.\n\nChannel 0: We did consider, obviously, leaving everything as is and not changing anything, but, obviously, you know, the MLC fund's not performing that well either. In regards to that, net wealth obviously has the better reporting. It has the access to more flexible arrangements in regards to advice strategies there as well. And then in regards to investment change, it will save you investment fees moving forward.\n\nChannel 1: Yeah.\n\nChannel 0: We also did\n\nChannel 1: Fine.\n\nChannel 0: consider moving all the way back to to MLC, do that comparison, but it just worked out over a long term position. It will put you in a better position having the Netwealth account there and access to our service there as well. And then we also looked at changing the MLC investment from a growth to a high growth option. And given that the growth option there you do have is quite in line with, like, the high growth risk allocation, but in saying that you could look to change it to a high growth. But given that it might sort of bump you up a little bit higher there as well and given that your insurance premiums come out of there, we wanna look at maintaining those.\n\nIt's not a bad thing to have it little less aggressively invested just to ensure that it doesn't sort of have those major fluctuations, if that makes sense.\n\nChannel 1: Oh, yeah. And to make sure that the appropriate balance is maintained as well, I guess.\n\nChannel 0: Yeah. So given that we were to sort of just keep it looking at the around the $10,000 sort of mark, you know, with those market downturns, if you're in a quite aggressive option, it kind of sort of, you know, drop with that, and then you've got fees coming out, things like that as well. So having a few more defensive options and that isn't a bad thing. As I said, the growth option there probably is a little bit more than what we consider a growth option anyway. But overall, it sort of with that and take into consideration 10,000 with that investment option, it still puts you around that $90.10 split within regards to your assets.\n\nBut\n\nChannel 1: No.\n\nChannel 0: if you go to page 17 there, you will see the buyers and sales in regards to the investment change there. Now with that one, we are looking at removing the Benelon, obviously, because it is quite a large portion, and it's obviously didn't perform too well with what happened in the market.\n\nChannel 1: Yep.\n\nChannel 0: So we're looking at removing that, offsetting some changes there with the the growth moving forward there and carrying the the loss through with that one. With the investment changes, we're looking at just updating the portfolio to be a bit more in line with what is happening, having a little bit less of an allocation to those managed funds. So when they do have a negative year, it doesn't affect your balance as much. You do have the JPMorgan Global Research enhanced index. So it's an index fund, but it also has somewhat a degree of management.\n\nAnd then you've got Alfiniti, which is the managed fund there as well, which ran 10%, which will mean that it's a bit more of a satellite now. You won't have those major fluctuations like what has occurred with Benelon and how that did negatively impact your balance. The or the portfolio would still be the S\n\nChannel 1: Yep.\n\nChannel 0: and P 500 with around 20% invested in that one, and then the rest is sort of broken up between the Raffi Australian index, you know, across the Alfiniti and then the JP Global growth there with a few other alternative assets there as well. You have a bit of exposure in health care India and then also in gold and then a core bond, which is your defensive asset there as well, and then a little bit in cybersecurity. So a real nice spread of, like, diversified ETFs there and some managed funds to hopefully give you a nice spread with those markets.\n\nChannel 1: Yeah. It does it does look pretty pretty varied.\n\nChannel 0: Yeah. Because obviously being in the bed along there, you're quite sort of segregated in regards to in that one spot of Australia in that managed funds. So when that did poorly, it obviously affected your portfolio quite heavily. So not only will this sort of give you a bit of a different exposure in regards to a little bit in India and then also within that as well having, you know, across health care industries, cyber, and then also in regards to the, you know, physical gold as well as the commodities and then with the the managed funds there as well and the Rafi index in Australia. So I have the within the Australian market as well and the Australian equities market.\n\nChannel 1: Yep. Yep. That sounds good. I like that.\n\nChannel 0: Obviously, in the appendix as well, you'll have links to all these investments. If you did wanna have a look around at them and what we are recommending In regards to that, obviously, you know, I can't say too much in regards to what you're previously seeing. That wasn't my recommendation there. But then moving forward, if you do have any questions in regards to that, we can look at sort of changing if you do have any issues with them or sort of the weightings or did have any concerns with that there as well. But do you have any questions in regards to that or the the splits there for you?\n\nChannel 1: At the moment, I don't have any queries in regard to, like, anything ethical. My bank\n\nChannel 0: Yep.\n\nChannel 1: balance isn't high enough to to have that concern just yet.\n\nChannel 0: Yep.\n\nChannel 1: It\n\nChannel 0: Understandable\n\nChannel 1: makes you sound like\n\nChannel 0: like\n\nChannel 1: a bad person, but\n\nChannel 0: Yeah. And look, some people, funny enough, have invested in Ethical. And given the cost of Ethical at the moment and sort of how it does perform, obviously, it takes quite a bit of money to sort of dictate what is ethical and what isn't. And then also sometimes even though you can be, like, in a carbon aware fund, but it's still got, like, a mining company that's trying to be carbon aware by offsetting it through some green space and things like that. So it's very hard to try and, you know, build a portfolio that is truly ethical.\n\nAnd then that\n\nChannel 1: Yes.\n\nChannel 0: comes at a higher cost, and it generally doesn't perform as well. So, generally, you know, a couple people I've seen have been in it for about a year, realize that it's a high cost, lower performing, and they jump out of it anyway. Not to say that we can't sprinkle in a few ethical investments in the future once you sort of wanna have a look at it, but, yeah, this is sort of more your conventional investment still. But it's not\n\nChannel 1: Yes.\n\nChannel 0: like it's targeting, you know, mining or child labor and things like that. It's obviously just your standard sort of large companies that sort of everyone sort of has a a finger in the pie.\n\nChannel 1: Oh god. Can you imagine the scandal?\n\nChannel 0: Yeah. No. We're definitely definitely not that direct in regards to the investments, and these are all sort of those index funds anyway. So it depends on, like,\n\nChannel 1: Yep.\n\nChannel 0: the companies that are in it. You know, the S and P 500, I'd you know, I dare say that the top 500 companies in America, some are using some form of, like, potential, you know, child labor, things like that to to with their business and the growth in their business, but I couldn't say it for sure and then be slander if\n\nChannel 1: K.\n\nChannel 0: I didn't did say that directly, but, you know, it's one of those things. Every sort of corporation feels like it's been caught at once or twice doing some sort of dodgy thing.\n\nChannel 1: Yeah. When you're when you're diversifying overseas, there's always that risk, I\n\nChannel 0: Yeah. And then, obviously, as I said, we can look at being, like, a little bit more ethically minded in the the future if that's something you did wanna have a look at as well.\n\nChannel 1: suppose. No. No. No. Until until my balance is, like, in 6 figures, I'm happy to be just earning cash.\n\nChannel 0: Understandable. I don't blame you at all. In regards to that risk profile, as I was saying, we aim for that ninety ten split. If you do look\n\nChannel 1: Yep.\n\nChannel 0: in regards to the allocation on page 19 there, you have a little bit less of exposure in the Australian equities market and a little bit more in the international, plus a little bit in the alternative growth side of things. That is mainly your gold. So with that one there, even though it's considered to be, like, a bit of a split asset, like, being alternative with growth and defensive, they just accumulated, like, allocated to the growth side of things given how it has been for the last few years. So\n\nChannel 1: Okay. Yep.\n\nChannel 0: within regards to that, it can act as a bit of a defensive portion. Obviously, when things do go down within regards to wars and things like that, gold tends to sort of be negatively correlated. It tends to go up a little bit. People go back to that harder currency.\n\nChannel 1: Yep.\n\nChannel 0: But then also in regards to the Australian fixed interest, you do have sort of roughly the the same amount, and then you do have the cash holding there as well, and it sort of gives you around that $90.10 sort of split.\n\nChannel 1: Okay. Yep. That sounds good.\n\nChannel 0: Okay.\n\nChannel 1: I'll lock it.\n\nChannel 0: Yep. The next page over there as well, you'll be able to see, like, a a table that illustrates the changes there. Obviously, with the rollover from MLC to Netwealth, you will have more funds going into the Netwealth that will result in slightly higher administration adviser fees in that fund, but it'll also reduce administration costs in your the fund that for MLC because it has less of a balance. In addition to that as well, the investment fee will be lowered with the changes. So overall, you will be saving money.\n\nAnd with that projected adviser fee, that's based on some growth as well. So if that recommended investment doesn't perform as to, like, you know, the five year rolling averages there as well and what's going on in the markets, you will be charged less than that because it is a fluctuating figure based on what is occurring.\n\nChannel 1: Yep.\n\nChannel 0: And, obviously, you know, as I said, that's the one thing that isn't guaranteed and past performance isn't indicative of future performance, unfortunately. Otherwise, we could all pick the winners and I'll be out of a job. But,\n\nChannel 1: Oh, yeah. Can you imagine?\n\nChannel 0: yeah, I'll be sipping pina coladas on the beach. Wouldn't it be nice? In regards to the figures and returns, you can see based on the portfolios and the breaks and then the three to five to ten years on page 21 there. Just have a look and sort of that past forms just give you an indication of what you're going into there. In addition to that, you'll also see the premium impact of your insurances on your MLC fund and what that does look like in terms of, like, balance and fee costs as well.\n\nChannel 1: Okay.\n\nChannel 0: Obviously, it's not, you know, a huge amount sort of different in regards to, you know, what that does sort of cost. And I believe that figure might even be backwards there. I'm just having a look at that one. Sorry.\n\nChannel 1: Impact on you.\n\nChannel 0: Something about that feels a little bit off. I wouldn't sort of worry about that one too much. It was meant to illustrate the the impacts of having the insurances there, but it seems the figure has been skewed slightly and it's doubled up. So I'm not too sure what did occur there, so I'd probably just ignore that one. It was just to illustrate the cost of insurances on your superannuation,\n\nChannel 1: Okay.\n\nChannel 0: but that's\n\nChannel 1: Yep.\n\nChannel 0: fine. Yeah. It does seem that there has been a bit of a a formatting error there, so apologies for that one.\n\nChannel 1: That's right.\n\nChannel 0: In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination. We are just recommending that you nominate the legal person representative. So once you do a will, that will means it will go to your state. So with that one, the benefits are, It doesn't actually pay the the Medicare levy when going to the estate, which is nice. But in saying that if you sort of did have a dependent there or a spouse in the future, you can change it to them so they can receive the funds tax free as opposed to getting taxed.\n\nBut with that, there also is the risk that when it goes to the estate, it does open it up to, you know, family fighting over the funds, whereas when it's currently, it's not a non estate asset, which is something to be mindful of at the end of the day as well. But given that, you know, if you did have a nomination currently as well, it might sort of be the fact that it's not valid anyway, and it might end up in the estate, if that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. Yep. Yeah.\n\nBecause I think I've set my I can't find it on the MSC account at the moment, but I think I set the super to go a 100% to the estate anyway, I think.\n\nChannel 0: I've got Muriel and Barry as your recipients for Netwealth.\n\nChannel 1: Yeah. I think I think it's definitely that one. Yeah. You're right for Netwealth, but I think MLC, I just went to the estate\n\nChannel 0: Yeah. Okay.\n\nChannel 1: from\n\nChannel 0: So yeah.\n\nChannel 1: memory.\n\nChannel 0: So so, yeah, with that one there as well, obviously, you know, if you don't have a will in place, it still gets a bit messy. But if you have a will\n\nChannel 1: Yep.\n\nChannel 0: in place, it makes it a lot more simplified. And, you know, in the future, if you do have a spouse, things like that, you can just change it. That's more than fine. But with Muriel and Barry there at the moment, it just wouldn't sort of be a valid nomination currently unless they're sort of dependent on you sort of financially or caring, things like that or some form of independent relationship, which is very hard to prove for the trustees of super, especially when you're gone and it's up to whoever's left in a trying time there as well. It can be a little bit difficult, if that makes sense.\n\nChannel 1: Yep. Yep. That's fair enough.\n\nChannel 0: Perfect. Obviously, in conjunction with that, we are recommending you do establish a will. Like I said, there are options out there for, like, the, you know, post office will pack. They're not the the best thing out there, but in terms of, like, pricing, they are a lot cheaper than going to, like, a lawyer and setting up, like, a $300 will. So it is an option there for you as well.\n\nIf you follow the instructions, at least you've got something, and you do have some form of will.\n\nChannel 1: Yep. Yep. I'll I'll need to get on that. Yeah. I'll I'll I'll take a look at some options.\n\nChannel 0: Yeah. And then within regards to that, if you do seek a lawyer as well, you can establish a power of attorney. I'm not a 100% sure what the post office rules if you can establish power of attorney, things like that. But it just means that in the event that anything did happen, there's someone there that can make financial sort of medical decisions for you if you're otherwise incapacitated as well. You can also, you know, pair that with advanced health care directives, things like that with wills and, you know, your power of attorneys.\n\nYou know, it's sometimes a very hard time, and people sometimes make decisions that might not be, you know, something you want. Whether or not you wanna pull the plug or not, that's a sort of you decision. But in saying that if you're somewhat incapacitated, you can't make that decision for yourself. So if you preemptively put in a bit of writing, it makes it a lot easier on sort of everyone and that sort of thing.\n\nChannel 1: Okay. Yeah. Yep. That makes sense. It says a piece of paper to point to, then plus the arguments.\n\nChannel 0: Yeah. Exactly. It takes a lot of the, you know, the conflict in those times between family members out of the equation and somewhat makes it just the decision easier as well versus, you know, what they want versus what you want. As far as remuneration's concerned, they've agreed to keep you on the 1.1¢ ongoing fee there. It is a bit lower than what the standard 1.65 is, and that was just due to your your lower balance there.\n\nThey're happy to leave it at a bit of a lower rate to help your superannuation grow\n\nChannel 1: Sweet. Thank you.\n\nChannel 0: and, yeah, get that sort of compounding moving forward. I can't say for the the next interview what that might be. They might look at bumping it back up to the 1.65, but I managed to keep it to the 1.1 for you there.\n\nChannel 1: I appreciate it. Thank you.\n\nChannel 0: Based on balance, it'll be around $774.04 dollars then. And then in regards to, like, the authority to proceed, if you were happy with everything, we would change those underlying investments there that organize that rollover form there for you to do that partial rollover. And then up to the the estate planning side of things, it is up to you at the end of the day should you, you know, want to implement that advice because I can't force you to. Obviously, we can send out a copy of your beneficiary form to you just so\n\nChannel 1: Yep.\n\nChannel 0: you can sort of have that to fill out and which I might sort of get them to. Do you have access to a printer, or would you prefer just hard mail?\n\nChannel 1: I got a printer at work, so that's fine. If you email it to me, I'll just print it out there.\n\nChannel 0: Yep. I'll email you a copy of just the beneficiary form so you can sort of get that one updated there as well. Wait,\n\nChannel 1: And\n\nChannel 0: sir.\n\nChannel 1: so so for Netwealth, am I just sending it to the estate as well? Do I have that option? Or\n\nChannel 0: Yeah. It's just legal personal representative, and that will be the estate. Yep.\n\nChannel 1: okay. Sweet.\n\nChannel 0: Yep. And then, obviously, it gets directed there, and it'll be directed via will once you have that in place as well. Otherwise, it would just be up to, you know, whoever's trying to settle the estate with where the funds are and what's happening with that one. If you don't have a will in place, it can get a little bit messy.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Got it. And then, yeah, obviously, in regards to setting up a will there, you've either got to do, like, your post office will or establish that with a lawyer with the the will and power of attorney and things like that as well. But do you have any questions in regards to that at all, John?\n\nChannel 1: No. This this device is pretty thorough. I'll have to sit down and have a good read of it laid up, but I'm very, very happy to proceed. Like, if if that's what you recommend, then I'm happy to go for it.\n\nChannel 0: Yeah. It obviously is quite simple in terms of what the recommendation is. We're looking at still keeping, you know, the active investment there and just pairing it with some passive ETFs and getting that moving forward and then just doing that retention strategy for your insurances currently until you get a chance to to doing that as well plus your estate planning matters. But as I said, we haven't run through, like, all the advantages, disadvantages. I don't wanna keep you on the phone for three hours, but feel free to have a read through it, see if you have any questions, and come back with it.\n\nI'll send off\n\nChannel 1: Yep.\n\nChannel 0: an email with the budget planner and just they'll send off the beneficiary forms and things like that when they get a chance.\n\nChannel 1: Yep.\n\nChannel 0: And then, yeah, if you do have any questions for that, just reply to my email. Have read through it, see if there's any questions that do pop up. And then if you're happy to sign it, then they'll get that implemented in the in the back end and get that all rolling once it comes through.\n\nChannel 1: Beautiful. Well, in that case, I'm just waiting for it to sign now, and then you should be good to go.\n\nChannel 0: Not a problem. Obviously, if you do sort of see anything in that regarding that and any sort of changes or any concerns you might have, feel free to just reach out. Otherwise, if it is signed there, that will sort of start once they get that come through and sort of get on to it.\n\nChannel 1: Yep. I've just signed it. It's just come through as signed, so you should be golden.\n\nChannel 0: Maybe I'll just have a quick look and see if that one's popped back up. It may just take a second to come through back to me\n\nChannel 1: Yes.\n\nChannel 0: to say that it's fine. But that's not a problem at all. If they do have any issues with it, they'll just contact you anyway then. But,\n\nChannel 1: Can\n\nChannel 0: otherwise, I'll let you get back to it. I don't wanna have you on the phone too long, and I'll let you sort of get ready for your your long trip there. Maybe you can get away a bit earlier and sort of avoid some of the traffic, have a coffee in the other. But\n\nChannel 1: I send\n\nChannel 0: otherwise\n\nChannel 1: this call?\n\nChannel 0: yeah. Otherwise, thanks for your time. I know it has been a bit on the phone there, and I'll I'll let you get back to the afternoon. Good luck with the the cat.\n\nChannel 1: Thank you very much, mate, and thank you very much for your advice and and your help.\n\nChannel 0: Not a problem at all. Anytime, John, just reach out if you have any questions.\n\nChannel 1: Will do. Thank you very much, mate.\n\nChannel 0: No problem. Enjoy now. Bye.\n\nChannel 1: Will do. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.061699993908405304},{"text":"John speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.05353308282792568}],"sentiment":"neutral","sentiment_score":0.05625538652141889,"channel":1,"num_words":3,"start":1.76,"end":3.06},{"sentences":[{"text":"Good afternoon, John.","start":3.12,"end":3.84,"sentiment":"positive","sentiment_score":0.4434761305650075},{"text":"It's Kyle calling from OCE Financial.","start":3.84,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.28154831131299335},{"text":"How are you today?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.30888018012046814}],"sentiment":"neutral","sentiment_score":0.327326075388835,"channel":0,"num_words":13,"start":3.12,"end":6.18},{"sentences":[{"text":"Thank you very much, and thank you for calling me slightly earlier.","start":6.72,"end":9.94,"sentiment":"positive","sentiment_score":0.6943924278020859}],"sentiment":"positive","sentiment_score":0.6943924278020859,"channel":1,"num_words":12,"start":6.72,"end":9.94},{"sentences":[{"text":"No.","start":10.4,"end":10.559999,"sentiment":"neutral","sentiment_score":0.1986357867717743},{"text":"That's not a problem at all.","start":10.559999,"end":11.599999,"sentiment":"neutral","sentiment_score":0.303744542102019},{"text":"I actually had a cancellation, so it works out alright for me.","start":11.599999,"end":14.9,"sentiment":"neutral","sentiment_score":0.3050321328143279},{"text":"So it's pretty good.","start":15.04,"end":16.955,"sentiment":"positive","sentiment_score":0.6095466166734695},{"text":"But just to jump into that there today there, John, if I could pass you through securities, that name, date of birth, and current address, we'll get stuck into that today.","start":17.015,"end":24.235,"sentiment":"neutral","sentiment_score":0.13771366111693845}],"sentiment":"neutral","sentiment_score":0.22942219619397763,"channel":0,"num_words":54,"start":10.4,"end":24.235},{"sentences":[{"text":"Yep.","start":24.575,"end":24.895,"sentiment":"neutral","sentiment_score":0.08890920877456665},{"text":"So my name is John Samuel Anderson.","start":24.895,"end":27.154999,"sentiment":"neutral","sentiment_score":0.06135540455579758},{"text":"My date of birth is the 08/25/1987, and my address is Unit 3948 Eucalyptus Drive, Maidstone, Victoria 3012.","start":27.38,"end":39.735,"sentiment":"neutral","sentiment_score":0.06322504062619475}],"sentiment":"neutral","sentiment_score":0.06370952968987134,"channel":1,"num_words":26,"start":24.575,"end":39.735},{"sentences":[{"text":"Perfect.","start":40.565002,"end":40.965,"sentiment":"positive","sentiment_score":0.5096231698989868},{"text":"Thanks for that on there, John.","start":40.965,"end":42.345,"sentiment":"positive","sentiment_score":0.6001254916191101},{"text":"Now as you're aware, it obviously has been a little bit since we last spoke, so I do apologize for the wait.","start":42.805,"end":47.945,"sentiment":"neutral","sentiment_score":-0.11662175006825816},{"text":"Obviously, the end of last year and a few business changes, it's just taken a second to to get through the backlog and get things rolling again","start":48.405,"end":55.305,"sentiment":"neutral","sentiment_score":-0.11933633933464687}],"sentiment":"neutral","sentiment_score":-0.02995327757006245,"channel":0,"num_words":56,"start":40.565002,"end":55.305},{"sentences":[{"text":"Yep.","start":55.83,"end":56.33,"sentiment":"neutral","sentiment_score":-0.03719707205891609}],"sentiment":"neutral","sentiment_score":-0.03719707205891609,"channel":1,"num_words":1,"start":55.83,"end":56.33},{"sentences":[{"text":"with changing CRMs and everything.","start":55.98,"end":57.34,"sentiment":"neutral","sentiment_score":-0.06792789697647095},{"text":"So I do apologize for the wait there.","start":57.34,"end":59.04,"sentiment":"neutral","sentiment_score":-0.1844477690756321},{"text":"Just to confirm, though, since we did last speak, has there been any significant changes in regards to your circumstances?","start":59.579998,"end":65.84,"sentiment":"neutral","sentiment_score":-0.08646777011454106},{"text":"I know you're mainly focused on paying down your your personal loan, but any changes like occupation, things like that or anything?","start":65.9,"end":71.36,"sentiment":"neutral","sentiment_score":-0.05599761635742404}],"sentiment":"neutral","sentiment_score":-0.08684590181166475,"channel":0,"num_words":55,"start":55.98,"end":71.36},{"sentences":[{"text":"No.","start":72.405,"end":72.805,"sentiment":"neutral","sentiment_score":-0.2419002652168274},{"text":"Job's the same.","start":72.805,"end":73.865005,"sentiment":"neutral","sentiment_score":-0.29661667346954346},{"text":"I've been like, I think last year, I got a, what, a CPI pay increase.","start":75.045006,"end":81.85,"sentiment":"neutral","sentiment_score":-0.17348869442939757}],"sentiment":"neutral","sentiment_score":-0.19653056326665377,"channel":1,"num_words":19,"start":72.405,"end":81.85},{"sentences":[{"text":"Okay.","start":82.745,"end":83.225006,"sentiment":"neutral","sentiment_score":0.08297283947467804},{"text":"Nice.","start":83.225006,"end":83.725006,"sentiment":"neutral","sentiment_score":0.15403205156326294},{"text":"What sort are you sitting on at the moment in regards to gross income?","start":83.945,"end":87.005005,"sentiment":"neutral","sentiment_score":0.004632726045591491}],"sentiment":"neutral","sentiment_score":0.018866440979763865,"channel":0,"num_words":16,"start":82.745,"end":87.005005},{"sentences":[{"text":"Let me see.","start":89.03,"end":89.845,"sentiment":"neutral","sentiment_score":-0.003998210343221824},{"text":"August.","start":89.845,"end":90.345,"sentiment":"neutral","sentiment_score":0.0014851680025458336},{"text":"Sorry.","start":90.885,"end":91.385,"sentiment":"neutral","sentiment_score":0.0009331218898296356},{"text":"I'll just pull it up on my payslip.","start":94.005,"end":95.865,"sentiment":"neutral","sentiment_score":0.04993964242748916}],"sentiment":"neutral","sentiment_score":0.029995446021740254,"channel":1,"num_words":13,"start":89.03,"end":95.865},{"sentences":[{"text":"That's not a problem.","start":96.5,"end":97.479996,"sentiment":"neutral","sentiment_score":0.185909453779459},{"text":"Just while you're doing that too, John, can I confirm that your email is still John.sa@Outlook.com?","start":98.899994,"end":104.915,"sentiment":"neutral","sentiment_score":0.0576439737342298}],"sentiment":"neutral","sentiment_score":0.08329706974327564,"channel":0,"num_words":20,"start":96.5,"end":104.915},{"sentences":[{"text":"That's the one.","start":105.19,"end":105.91,"sentiment":"neutral","sentiment_score":0.10677496840556462},{"text":"Yeah.","start":105.91,"end":106.41,"sentiment":"neutral","sentiment_score":0.22343136370182037}],"sentiment":"neutral","sentiment_score":0.13593906722962856,"channel":1,"num_words":4,"start":105.19,"end":106.41},{"sentences":[{"text":"Perfect.","start":106.975006,"end":107.295006,"sentiment":"positive","sentiment_score":0.4286572337150574},{"text":"Because that's what I'll be sending through those documents there today just to get a a start on that.","start":107.295006,"end":112.93,"sentiment":"neutral","sentiment_score":0.26377308839245844},{"text":"So they're coming through.","start":112.93,"end":113.97,"sentiment":"neutral","sentiment_score":0.10401689913123846},{"text":"That'll just have the same advice, the Oakview services guide and the financial services guide that have been updated in regards to that as well as the the appendix and also the PDFs for your current retail super fund you have here with us.","start":113.97,"end":125.355,"sentiment":"neutral","sentiment_score":0.16586236892776055},{"text":"So that'll come through there shortly as well just so we're able to run through those 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yeah, because the pay increase takes effect 1.","start":233.055,"end":237.95,"sentiment":"neutral","sentiment_score":0.038104355335235596}],"sentiment":"neutral","sentiment_score":0.038104355335235596,"channel":1,"num_words":9,"start":233.055,"end":237.95},{"sentences":[{"text":"Oh, okay.","start":239.09,"end":239.41,"sentiment":"neutral","sentiment_score":0.04287337139248848},{"text":"Yeah.","start":239.41,"end":239.56999,"sentiment":"neutral","sentiment_score":0.04787149280309677},{"text":"We I think we did speak around the July, I think, even, please.","start":239.56999,"end":245.34999,"sentiment":"neutral","sentiment_score":0.04908582109671373},{"text":"Yeah.","start":245.97,"end":246.37,"sentiment":"neutral","sentiment_score":0.0353744700551033},{"text":"Twenty seventh of the 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that.","start":447.605,"end":454.84,"sentiment":"neutral","sentiment_score":-0.09543671997057067}],"sentiment":"neutral","sentiment_score":-0.1702231940627098,"channel":1,"num_words":25,"start":443.285,"end":454.84},{"sentences":[{"text":"And that's a NAV after pay thousand dollar limit, and it's four payments?","start":456.77502,"end":460.23502,"sentiment":"neutral","sentiment_score":0.008316182459776219}],"sentiment":"neutral","sentiment_score":0.008316182459776219,"channel":0,"num_words":13,"start":456.77502,"end":460.23502},{"sentences":[{"text":"Yes.","start":460.02002,"end":460.52002,"sentiment":"neutral","sentiment_score":0.08176407217979431},{"text":"Yeah.","start":461.22,"end":461.7,"sentiment":"neutral","sentiment_score":0.09227194637060164},{"text":"Yeah.","start":461.7,"end":461.94,"sentiment":"neutral","sentiment_score":0.12471793591976166},{"text":"It'll just be the four repayments, and then that's and then that's 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those debts.","start":509.125,"end":515.37,"sentiment":"neutral","sentiment_score":-0.0400679370477086},{"text":"Obviously, you know, the unexpected ones that do come out in building that cash buffer, which I know you were already focused on.","start":515.37,"end":520.49,"sentiment":"neutral","sentiment_score":0.003784728115019591},{"text":"So that's good at least.","start":520.49,"end":521.79,"sentiment":"neutral","sentiment_score":0.23938546776771547}],"sentiment":"neutral","sentiment_score":0.007643461880976693,"channel":0,"num_words":57,"start":506.085,"end":521.79},{"sentences":[{"text":"Yeah.","start":522.605,"end":523.105,"sentiment":"neutral","sentiment_score":0.06390734016895294},{"text":"Well, hopefully, that's it for the vet 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Giddings.","start":554.965,"end":556.265,"sentiment":"neutral","sentiment_score":0.03781592659652233}],"sentiment":"neutral","sentiment_score":0.04030111879110336,"channel":1,"num_words":5,"start":552.405,"end":556.265},{"sentences":[{"text":"Yes.","start":557.715,"end":558.115,"sentiment":"neutral","sentiment_score":0.11811888962984084},{"text":"Correct.","start":558.115,"end":558.615,"sentiment":"neutral","sentiment_score":0.2161734700202942},{"text":"If you can open up that and then we can just run through that together in regards to the recommendation.","start":558.995,"end":564.295,"sentiment":"neutral","sentiment_score":0.18696133494377137},{"text":"It is a pretty straightforward sort of recommendation to what we are because I know you were largely happy with everything.","start":565.795,"end":572.37,"sentiment":"positive","sentiment_score":0.38956705871082487},{"text":"We're just reviewing your rollover retention and then also just having a look at your your investments there as well to make sure that that was still in your your best interest moving forward.","start":572.37,"end":580.77,"sentiment":"neutral","sentiment_score":0.2605362111592994}],"sentiment":"neutral","sentiment_score":0.2741903697515463,"channel":0,"num_words":77,"start":557.715,"end":580.77},{"sentences":[{"text":"I know we had the discussion around Benelon and what was occurring with that as well.","start":580.77,"end":585.82495,"sentiment":"neutral","sentiment_score":0.03907310380600393},{"text":"So we're","start":586.125,"end":586.865,"sentiment":"neutral","sentiment_score":0.056414637714624405}],"sentiment":"neutral","sentiment_score":0.04099994090696176,"channel":0,"num_words":18,"start":580.77,"end":586.865},{"sentences":[{"text":"Yes.","start":586.56,"end":587.06,"sentiment":"neutral","sentiment_score":0.11748644709587096}],"sentiment":"neutral","sentiment_score":0.11748644709587096,"channel":1,"num_words":1,"start":586.56,"end":587.06},{"sentences":[{"text":"just doing a little update in regards to that.","start":588.605,"end":590.94495,"sentiment":"neutral","sentiment_score":0.15795280204878914},{"text":"But as soon as you get a chance to open that up, we could run through that And what time do you have to leave?","start":591.40497,"end":596.09,"sentiment":"neutral","sentiment_score":0.052992175966501236},{"text":"Do you have to leave shortly?","start":596.09,"end":597.05,"sentiment":"neutral","sentiment_score":-0.026738631228605907},{"text":"Because I can make it a little bit quicker, and you have can have a chance to run through it in your spare time once you're you're home again.","start":597.05,"end":601.95,"sentiment":"neutral","sentiment_score":0.15011131069783507}],"sentiment":"neutral","sentiment_score":0.10056776580387268,"channel":0,"num_words":69,"start":588.605,"end":601.95},{"sentences":[{"text":"I'm just gonna get to North Melbourne by 06:00, which is about a half an hour drive, and I'll be going against peak hour 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that that's my goal.","start":697.37,"end":698.57,"sentiment":"positive","sentiment_score":0.6303668141365051},{"text":"I should have everything paid off, and then I can afford to pay all the doctors.","start":698.57,"end":701.95,"sentiment":"positive","sentiment_score":0.3475363776087761}],"sentiment":"positive","sentiment_score":0.41487695773442584,"channel":1,"num_words":21,"start":697.37,"end":701.95},{"sentences":[{"text":"Yep.","start":702.83,"end":703.23,"sentiment":"neutral","sentiment_score":0.13557788729667664},{"text":"Understandable.","start":703.23,"end":703.73,"sentiment":"neutral","sentiment_score":0.1301441192626953},{"text":"I don't want you to sort of go backwards financially if you're sort of happy with how everything is ticking along and focusing on that debt first.","start":703.95,"end":709.95,"sentiment":"neutral","sentiment_score":-0.1207923008887856},{"text":"So that's good there.","start":709.95,"end":711.65,"sentiment":"neutral","sentiment_score":0.3180631324648857},{"text":"In regards to your estate planning matters, I know you didn't sort of mention too much about it other than the fact that you do realize you do have to do a will, so we just put a recommendation in there.","start":712.35004,"end":721.005,"sentiment":"neutral","sentiment_score":0.05148441989610835}],"sentiment":"neutral","sentiment_score":0.00523572470489386,"channel":0,"num_words":74,"start":702.83,"end":721.005},{"sentences":[{"text":"Obviously, we're not lawyers, so we can't look at writing up the will for you.","start":721.005,"end":725.885,"sentiment":"neutral","sentiment_score":0.02907326171795527},{"text":"We can look at, obviously, you know, how you might structure and things like that.","start":725.885,"end":728.525,"sentiment":"neutral","sentiment_score":0.06497265249490738},{"text":"But given that you sort of, know, don't have the craziest estate, it should be quite a straightforward process and will for you.","start":728.525,"end":734.08,"sentiment":"neutral","sentiment_score":0.17503356982184493},{"text":"There is the option to go down to, like, the post office and do the post office wills as well.","start":734.08,"end":738.08,"sentiment":"neutral","sentiment_score":0.08783077970147132},{"text":"Even though they're not the most ironclad things, at least you got something there at the end of the day as well.","start":738.08,"end":742.575,"sentiment":"neutral","sentiment_score":0.04808869708160108}],"sentiment":"neutral","sentiment_score":0.08685292367284235,"channel":0,"num_words":95,"start":721.005,"end":742.575},{"sentences":[{"text":"Alright.","start":743.605,"end":743.925,"sentiment":"neutral","sentiment_score":0.05794612690806389}],"sentiment":"neutral","sentiment_score":0.05794612690806389,"channel":1,"num_words":1,"start":743.605,"end":743.925},{"sentences":[{"text":"As 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well as the ones that have those those timelines for the, you know, the four payments for your Afterpay one with NAB there.","start":772.685,"end":781.58496,"sentiment":"neutral","sentiment_score":0.16681364150001451}],"sentiment":"neutral","sentiment_score":0.16681364150001451,"channel":0,"num_words":26,"start":772.685,"end":781.58496},{"sentences":[{"text":"Yep.","start":782.8,"end":783.3,"sentiment":"positive","sentiment_score":0.3547367453575134}],"sentiment":"positive","sentiment_score":0.3547367453575134,"channel":1,"num_words":1,"start":782.8,"end":783.3},{"sentences":[{"text":"In regards to that debt management there as well and what you're still trying to do that, you're happy managing yourself for now.","start":783.94,"end":790.98,"sentiment":"positive","sentiment_score":0.5401807258958402},{"text":"And then, obviously, travel plans and things like that and planning that out, savings, budgeting for that as 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saving.","start":828.225,"end":839.02997,"sentiment":"positive","sentiment_score":0.39234711879338974},{"text":"Obviously, you know, things like the vet bill obviously come out of the blue and you can't really prepare for things like that.","start":839.25,"end":844.47,"sentiment":"neutral","sentiment_score":-0.06518263807115347}],"sentiment":"neutral","sentiment_score":0.1790001508678593,"channel":0,"num_words":92,"start":821.665,"end":844.47},{"sentences":[{"text":"But things,","start":844.61,"end":845.08997,"sentiment":"neutral","sentiment_score":0.014100557193160057}],"sentiment":"neutral","sentiment_score":0.014100557193160057,"channel":0,"num_words":2,"start":844.61,"end":845.08997},{"sentences":[{"text":"Yeah.","start":844.945,"end":845.445,"sentiment":"neutral","sentiment_score":0.056153539568185806}],"sentiment":"neutral","sentiment_score":0.056153539568185806,"channel":1,"num_words":1,"start":844.945,"end":845.445},{"sentences":[{"text":"you know, like, Red Joe and like the, you know, the weekly expenses or monthly expenses in regards to, you know, Netflix and stuff like that.","start":845.08997,"end":852.655,"sentiment":"neutral","sentiment_score":0.10385141521692276},{"text":"It's nice to, one, put it all on a piece of paper to see where you might be able to, you know, cut back in regards to some discretionary spending, but also just to be able to prepare for those other bills there as well.","start":852.655,"end":862.655,"sentiment":"positive","sentiment_score":0.35594483129680154},{"text":"So you're not sort of in, like, a never ending cycle of, like, you think you've got through, and then you've gotten, like, another payment that's come out of 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a","start":877.51,"end":879.945,"sentiment":"neutral","sentiment_score":0.257020403444767}],"sentiment":"neutral","sentiment_score":0.26288414498170215,"channel":0,"num_words":15,"start":875.35,"end":879.945},{"sentences":[{"text":"Yep.","start":879.93,"end":880.43,"sentiment":"neutral","sentiment_score":0.29331323504447937}],"sentiment":"neutral","sentiment_score":0.29331323504447937,"channel":1,"num_words":1,"start":879.93,"end":880.43},{"sentences":[{"text":"a bit, you know, fancier.","start":879.945,"end":881.145,"sentiment":"positive","sentiment_score":0.3576607286930084},{"text":"It's put together to where it calculates it all for you manually, and you don't have to worry about trying to work your your hand in Excel.","start":881.145,"end":887.085,"sentiment":"positive","sentiment_score":0.3516803593547256},{"text":"You can just put it all in there, change a few things around in regards to what's what, and 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spoke, but it shouldn't affect the advice piece much at all because we're not doing any sort of cash flow and budgeting advice, things like that.","start":946.355,"end":955.01495,"sentiment":"neutral","sentiment_score":0.024675326687949046}],"sentiment":"neutral","sentiment_score":0.09503572709285296,"channel":0,"num_words":65,"start":938.16003,"end":955.01495},{"sentences":[{"text":"Yep.","start":956.25,"end":956.57,"sentiment":"neutral","sentiment_score":0.04133107513189316},{"text":"Office of an assistant, '86.","start":956.57,"end":958.65,"sentiment":"neutral","sentiment_score":0.033208181336522105},{"text":"Yep.","start":958.65,"end":959.15,"sentiment":"neutral","sentiment_score":0.02829713188111782},{"text":"38.","start":959.53,"end":960.43,"sentiment":"neutral","sentiment_score":0.01030685007572174},{"text":"Oh, I'll be 39 this 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terms and things like that.","start":1010.98,"end":1012.76,"sentiment":"neutral","sentiment_score":0.022774099682768185},{"text":"As far as the risk risk profile is concerned there, you did score high growth for keeping you within high growth, so there's not much of a change there.","start":1013.14,"end":1019.46,"sentiment":"neutral","sentiment_score":0.05823086035148851},{"text":"But do you have any questions in regards to your risk profile or the split between growth or defensive assets?","start":1019.46,"end":1024.68,"sentiment":"neutral","sentiment_score":-0.02844447111710906}],"sentiment":"neutral","sentiment_score":0.02284454774450172,"channel":0,"num_words":55,"start":1010.98,"end":1024.68},{"sentences":[{"text":"I well, I know I know I know defensive assets tend to earn less, you know, higher risk car higher reward, but also higher losses.","start":1027.605,"end":1037.88,"sentiment":"neutral","sentiment_score":-0.06600204095244408}],"sentiment":"neutral","sentiment_score":-0.06600204095244408,"channel":1,"num_words":25,"start":1027.605,"end":1037.88},{"sentences":[{"text":"Yeah.","start":1039.5499,"end":1040.0499,"sentiment":"neutral","sentiment_score":-0.005309104919433594}],"sentiment":"neutral","sentiment_score":-0.005309104919433594,"channel":0,"num_words":1,"start":1039.5499,"end":1040.0499},{"sentences":[{"text":"That's that's about as familiar as I am with them.","start":1039.62,"end":1042.44,"sentiment":"neutral","sentiment_score":-0.014131467044353484},{"text":"And I know because I've still got what the way government's going, probably thirty, forty years of working life left.","start":1042.98,"end":1051.165,"sentiment":"neutral","sentiment_score":-0.03855606261640787}],"sentiment":"neutral","sentiment_score":-0.03041453075905641,"channel":1,"num_words":30,"start":1039.62,"end":1051.165},{"sentences":[{"text":"Yep.","start":1051.405,"end":1051.905,"sentiment":"neutral","sentiment_score":0.005937556736171246},{"text":"Yeah.","start":1054.765,"end":1055.265,"sentiment":"neutral","sentiment_score":-0.006214311346411705}],"sentiment":"neutral","sentiment_score":-0.00013837730512022972,"channel":0,"num_words":2,"start":1051.405,"end":1055.265},{"sentences":[{"text":"That that that that's why I was kinda like, yeah.","start":1054.905,"end":1056.905,"sentiment":"neutral","sentiment_score":-0.0383728452026844},{"text":"Yeah.","start":1056.905,"end":1057.145,"sentiment":"neutral","sentiment_score":0.01245056837797165},{"text":"High growth.","start":1057.145,"end":1057.705,"sentiment":"neutral","sentiment_score":-0.008043920621275902},{"text":"High growth.","start":1057.705,"end":1058.1849,"sentiment":"neutral","sentiment_score":-0.02256253082305193},{"text":"Because I'm like, I still got forty years, maybe.","start":1058.1849,"end":1061.0599,"sentiment":"neutral","sentiment_score":-0.0848180428147316}],"sentiment":"neutral","sentiment_score":-0.04982721549458802,"channel":1,"num_words":24,"start":1054.905,"end":1061.0599},{"sentences":[{"text":"That, you know, that's sort of the way to look at at the end of the day there as well is that, like, over the shorter period of time, those high growth investments, like you said, quite volatile in the sense that they do have a lot of the ups and the downs, much like even now with what's occurring with the war with Iran.","start":1061.82,"end":1077.1849,"sentiment":"neutral","sentiment_score":-0.11378396852658346},{"text":"But, you know, twenty years from now, holding those growth assets, they do tend to finish quite well up over, like, a span of twenty to thirty years as opposed to, you know, other investments even with things like, you know, what did occur with COVID.","start":1077.565,"end":1092.7401,"sentiment":"neutral","sentiment_score":0.13701571192106474},{"text":"Obviously, it took quite a good dive and then it's come back from that one.","start":1092.7401,"end":1095.54,"sentiment":"positive","sentiment_score":0.3358552545309067},{"text":"And, obviously, now it's taken, like, another dive.","start":1095.54,"end":1097.7201,"sentiment":"neutral","sentiment_score":0.12524707149714231}],"sentiment":"neutral","sentiment_score":0.03691470286628203,"channel":0,"num_words":134,"start":1061.82,"end":1097.7201},{"sentences":[{"text":"Yep.","start":1098.3301,"end":1098.8301,"sentiment":"neutral","sentiment_score":0.13759969174861908}],"sentiment":"neutral","sentiment_score":0.13759969174861908,"channel":1,"num_words":1,"start":1098.3301,"end":1098.8301},{"sentences":[{"text":"In regards to to that one there, the Benelung Fund's the main one we're concerned about with what occurred with that one and changing that one out.","start":1098.3401,"end":1106.4249,"sentiment":"neutral","sentiment_score":0.04043742959146147},{"text":"Obviously, the portfolio updates a bit of a refresh in general just to get things, you know, more in line with Oakview's investment philosophy moving forward and having","start":1106.4249,"end":1116.6649,"sentiment":"neutral","sentiment_score":0.2509205692580768}],"sentiment":"neutral","sentiment_score":0.14759248251264745,"channel":0,"num_words":55,"start":1098.3401,"end":1116.6649},{"sentences":[{"text":"Mhmm.","start":1116.2799,"end":1116.7799,"sentiment":"neutral","sentiment_score":0.2348494529724121}],"sentiment":"neutral","sentiment_score":0.2348494529724121,"channel":1,"num_words":1,"start":1116.2799,"end":1116.7799},{"sentences":[{"text":"a bit of an update there for you at the end of the day there as well.","start":1116.6649,"end":1119.96,"sentiment":"neutral","sentiment_score":0.22044721508727355},{"text":"I know you still wanted to maintain the the similar sort of, you know, having somewhat active investment within your portfolio and not going to the passive.","start":1120.44,"end":1130.0399,"sentiment":"neutral","sentiment_score":0.21504657412016834},{"text":"So we've looked at keeping that for you, and I'll I'll run over that as well.","start":1130.0399,"end":1133.745,"sentiment":"positive","sentiment_score":0.33865691162645817},{"text":"But, yeah, you're about 90% growth assets still and about 10% defensive is what you aim for, and you're pretty in line with that with the new recommendation there as well,","start":1133.745,"end":1143.205,"sentiment":"positive","sentiment_score":0.39845364324508176}],"sentiment":"neutral","sentiment_score":0.30026850202581384,"channel":0,"num_words":91,"start":1116.6649,"end":1143.205},{"sentences":[{"text":"Beautiful.","start":1143.99,"end":1144.49,"sentiment":"positive","sentiment_score":0.621633768081665}],"sentiment":"positive","sentiment_score":0.621633768081665,"channel":1,"num_words":1,"start":1143.99,"end":1144.49},{"sentences":[{"text":"if that makes sense.","start":1145.6699,"end":1146.7899,"sentiment":"positive","sentiment_score":0.38111399859189987},{"text":"So as far as the the best interest, obviously, we're looking at keeping the 10,000 retained in in MLC.","start":1146.7899,"end":1151.59,"sentiment":"neutral","sentiment_score":0.15337095762553968},{"text":"Obviously, keep your contributions going there.","start":1151.59,"end":1153.9099,"sentiment":"neutral","sentiment_score":0.23905548204978308},{"text":"Each year, we'll sort of do a review and assess all of it's relevant to or a viable strategy to maintain that retention strategy, much like we've done.","start":1153.9099,"end":1161.4149,"sentiment":"neutral","sentiment_score":0.1551175064274243},{"text":"In","start":1161.7949,"end":1162.0349,"sentiment":"neutral","sentiment_score":0.17320895195007324}],"sentiment":"neutral","sentiment_score":0.1791264864391294,"channel":0,"num_words":58,"start":1145.6699,"end":1162.0349},{"sentences":[{"text":"Yep.","start":1161.975,"end":1162.26,"sentiment":"neutral","sentiment_score":0.2136528342962265}],"sentiment":"neutral","sentiment_score":0.2136528342962265,"channel":1,"num_words":1,"start":1161.975,"end":1162.26},{"sentences":[{"text":"regards to having the two funds, you know, Netwealth, obviously, was outperforming the the MLC in regards to those returns and having the more visibility, having access to the service there as 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wait.","start":1236.755,"end":1238.4349,"sentiment":"neutral","sentiment_score":0.040498427115380764},{"text":"Sorry.","start":1238.4349,"end":1238.9349,"sentiment":"neutral","sentiment_score":-0.11079226434230804}],"sentiment":"neutral","sentiment_score":0.010240288823843003,"channel":0,"num_words":5,"start":1236.755,"end":1238.9349},{"sentences":[{"text":"Do you still have access to the the balance in the MLC","start":1239.515,"end":1242.895,"sentiment":"neutral","sentiment_score":-0.04126860356579224}],"sentiment":"neutral","sentiment_score":-0.04126860356579224,"channel":1,"num_words":12,"start":1239.515,"end":1242.895},{"sentences":[{"text":"I believe the TPA might be expired.","start":1244.4349,"end":1247.095,"sentiment":"neutral","sentiment_score":-0.09756831665124212},{"text":"So with that one, we can update that TPA, and then we can look at getting the updated balances, but still would 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want.","start":1268.155,"end":1281.56,"sentiment":"neutral","sentiment_score":0.2747335260914218}],"sentiment":"neutral","sentiment_score":0.22532596439123154,"channel":1,"num_words":44,"start":1264.715,"end":1281.56},{"sentences":[{"text":"Yeah.","start":1281.9401,"end":1282.26,"sentiment":"neutral","sentiment_score":0.16398616135120392},{"text":"So it'll just be the rollover form.","start":1282.26,"end":1283.86,"sentiment":"neutral","sentiment_score":0.180989927479199},{"text":"And then just to confirm sort of, like, once that's happening, if you are happy with everything, they'll just get the most up to date balance because with what's happening in the market, obviously, if you dropped a little bit and we just do the rollover that's based on that figure, then you might sort of be left less than the the 10,000.","start":1283.86,"end":1298.975,"sentiment":"neutral","sentiment_score":0.1418212459437431},{"text":"So that's what we'd wanna confirm at that time, if that makes 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$23,903.37.","start":1303.9701,"end":1310.675,"sentiment":"neutral","sentiment_score":0.06951240788806569}],"sentiment":"neutral","sentiment_score":0.07269795471802354,"channel":1,"num_words":16,"start":1302.29,"end":1310.675},{"sentences":[{"text":"Perfect.","start":1313.79,"end":1314.285,"sentiment":"positive","sentiment_score":0.6950907707214355},{"text":"That should be let me just double check based on the figures.","start":1316.2051,"end":1319.665,"sentiment":"positive","sentiment_score":0.3838891535997391},{"text":"Yeah.","start":1326.125,"end":1326.4451,"sentiment":"neutral","sentiment_score":0.14048731327056885},{"text":"So quite similar.","start":1326.4451,"end":1327.51,"sentiment":"neutral","sentiment_score":0.17796129484971365},{"text":"It's actually going up a little 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yesterday.","start":1412.9099,"end":1415.71,"sentiment":"neutral","sentiment_score":-0.31957570802081714},{"text":"He's gonna you know, go goes much by the beat","start":1415.71,"end":1419.71,"sentiment":"neutral","sentiment_score":-0.20318060368299484}],"sentiment":"neutral","sentiment_score":-0.27193269490356176,"channel":0,"num_words":71,"start":1398.155,"end":1419.71},{"sentences":[{"text":"Mhmm.","start":1419.615,"end":1420.115,"sentiment":"neutral","sentiment_score":-0.15033042430877686}],"sentiment":"neutral","sentiment_score":-0.15033042430877686,"channel":1,"num_words":1,"start":1419.615,"end":1420.115},{"sentences":[{"text":"of his own drum.","start":1419.71,"end":1420.77,"sentiment":"neutral","sentiment_score":-0.20372585952281952},{"text":"So with that, that all does play effects into what happens in the market within the short term there.","start":1420.9099,"end":1425.845,"sentiment":"neutral","sentiment_score":-0.1563344535074736},{"text":"Obviously, in the long term, it has less of an impact in terms of, like, the longer term growth, but short term, it can have a lot of volatility impact.","start":1425.845,"end":1432.745,"sentiment":"neutral","sentiment_score":-0.21476085980733237}],"sentiment":"neutral","sentiment_score":-0.19298271413119333,"channel":0,"num_words":53,"start":1419.71,"end":1432.745},{"sentences":[{"text":"Yep.","start":1434.74,"end":1435.24,"sentiment":"neutral","sentiment_score":-0.08157646656036377}],"sentiment":"neutral","sentiment_score":-0.08157646656036377,"channel":1,"num_words":1,"start":1434.74,"end":1435.24},{"sentences":[{"text":"Now with in regards to with that volatility at the moment there, you may forego some potential sort of investment growth if the market was to sort of change in the time frame that you were switching over those investments with the changes.","start":1434.82,"end":1446.76,"sentiment":"neutral","sentiment_score":-0.3016958604025286},{"text":"And then with that, it can also go the other way there as well, but that's something to be mindful of that.","start":1447.5399,"end":1452.005,"sentiment":"neutral","sentiment_score":-0.25144850327209994},{"text":"If the markets do change slightly while you're in a cash position, it can sort of have a a bit of a negative impact there as well with those percentages that it could rise or fall.","start":1452.005,"end":1459.7849,"sentiment":"negative","sentiment_score":-0.5090798487265905}],"sentiment":"negative","sentiment_score":-0.36466993686586324,"channel":0,"num_words":101,"start":1434.82,"end":1459.7849},{"sentences":[{"text":"Okay.","start":1460.3701,"end":1460.8501,"sentiment":"neutral","sentiment_score":-0.16076193749904633},{"text":"Yep.","start":1460.8501,"end":1461.3501,"sentiment":"neutral","sentiment_score":-0.07764860987663269}],"sentiment":"neutral","sentiment_score":-0.11920527368783951,"channel":1,"num_words":2,"start":1460.3701,"end":1461.3501},{"sentences":[{"text":"We did consider, obviously, leaving everything as is and not changing anything, but, obviously, you know, the MLC fund's not performing that well either.","start":1462.26,"end":1470.1,"sentiment":"neutral","sentiment_score":-0.18198688173045716},{"text":"In regards to that, net wealth obviously has the better reporting.","start":1470.1,"end":1472.9199,"sentiment":"neutral","sentiment_score":0.235308746045286},{"text":"It has the access to more flexible arrangements in regards to advice strategies there as well.","start":1473.4451,"end":1478.185,"sentiment":"positive","sentiment_score":0.38164826668798923},{"text":"And then in regards to investment change, it will save you investment fees moving forward.","start":1478.245,"end":1482.905,"sentiment":"positive","sentiment_score":0.37343056201934816}],"sentiment":"neutral","sentiment_score":0.1504324506403822,"channel":0,"num_words":66,"start":1462.26,"end":1482.905},{"sentences":[{"text":"Yeah.","start":1483.46,"end":1483.96,"sentiment":"neutral","sentiment_score":0.25895488262176514}],"sentiment":"neutral","sentiment_score":0.25895488262176514,"channel":1,"num_words":1,"start":1483.46,"end":1483.96},{"sentences":[{"text":"We also did","start":1483.6051,"end":1484.165,"sentiment":"neutral","sentiment_score":0.2814514636993408}],"sentiment":"neutral","sentiment_score":0.2814514636993408,"channel":0,"num_words":3,"start":1483.6051,"end":1484.165},{"sentences":[{"text":"Fine.","start":1484.02,"end":1484.52,"sentiment":"positive","sentiment_score":0.3842529356479645}],"sentiment":"positive","sentiment_score":0.3842529356479645,"channel":1,"num_words":1,"start":1484.02,"end":1484.52},{"sentences":[{"text":"consider moving all the way back to to MLC, do that comparison, but it just worked out over a long term position.","start":1484.165,"end":1489.65,"sentiment":"positive","sentiment_score":0.3653439242731441},{"text":"It will put you in a better position having the Netwealth account there and access to our service there as well.","start":1489.65,"end":1495.19,"sentiment":"positive","sentiment_score":0.5276512801647186},{"text":"And then we also looked at changing the MLC investment from a growth to a high growth option.","start":1495.49,"end":1500.45,"sentiment":"neutral","sentiment_score":0.14707403919763035},{"text":"And given that the growth option there you do have is quite in line with, like, the high growth risk allocation, but in saying that you could look to change it to a high growth.","start":1500.45,"end":1510.635,"sentiment":"neutral","sentiment_score":0.16795504497630256},{"text":"But given that it might sort of bump you up a little bit higher there as well and given that your insurance premiums come out of there, we wanna look at maintaining those.","start":1510.635,"end":1516.89,"sentiment":"neutral","sentiment_score":0.11170591730059999}],"sentiment":"neutral","sentiment_score":0.24287052533423253,"channel":0,"num_words":129,"start":1484.165,"end":1516.89},{"sentences":[{"text":"It's not a bad thing to have it little less aggressively invested just to ensure that it doesn't sort of have those major fluctuations, if that makes sense.","start":1516.97,"end":1524.1901,"sentiment":"neutral","sentiment_score":0.12393911821501595}],"sentiment":"neutral","sentiment_score":0.12393911821501595,"channel":0,"num_words":28,"start":1516.97,"end":1524.1901},{"sentences":[{"text":"Oh, yeah.","start":1524.945,"end":1525.1849,"sentiment":"neutral","sentiment_score":0.14259109646081924},{"text":"And to make sure that the appropriate balance is maintained as well, I guess.","start":1525.1849,"end":1528.7999,"sentiment":"neutral","sentiment_score":0.17046866140195302}],"sentiment":"neutral","sentiment_score":0.1669839657843113,"channel":1,"num_words":16,"start":1524.945,"end":1528.7999},{"sentences":[{"text":"Yeah.","start":1529.225,"end":1529.625,"sentiment":"neutral","sentiment_score":0.07539161294698715},{"text":"So given that we were to sort of just keep it looking at the around the $10,000 sort of mark, you know, with those market downturns, if you're in a quite aggressive option, it kind of sort of, you know, drop with that, and then you've got fees coming out, things like that as well.","start":1529.625,"end":1542.36,"sentiment":"neutral","sentiment_score":-0.07617490941827948},{"text":"So having a few more defensive options and that isn't a bad thing.","start":1542.52,"end":1545.0,"sentiment":"neutral","sentiment_score":0.24019402609421656},{"text":"As I said, the growth option there probably is a little bit more than what we consider a growth option anyway.","start":1545.0,"end":1549.66,"sentiment":"neutral","sentiment_score":0.21383101315725417},{"text":"But overall, it sort of with that and take into consideration 10,000 with that investment option, it still puts you around that $90.10 split within regards to your assets.","start":1551.72,"end":1560.755,"sentiment":"neutral","sentiment_score":0.2608857601881027}],"sentiment":"neutral","sentiment_score":0.09297842231868696,"channel":0,"num_words":119,"start":1529.225,"end":1560.755},{"sentences":[{"text":"But","start":1560.815,"end":1561.0549,"sentiment":"neutral","sentiment_score":0.013716369867324827}],"sentiment":"neutral","sentiment_score":0.013716369867324827,"channel":0,"num_words":1,"start":1560.815,"end":1561.0549},{"sentences":[{"text":"No.","start":1560.86,"end":1561.36,"sentiment":"neutral","sentiment_score":-0.05065377056598663}],"sentiment":"neutral","sentiment_score":-0.05065377056598663,"channel":1,"num_words":1,"start":1560.86,"end":1561.36},{"sentences":[{"text":"if you go to page 17 there, you will see the buyers and sales in regards to the investment change there.","start":1561.0549,"end":1567.475,"sentiment":"neutral","sentiment_score":-0.050867551494212376},{"text":"Now with that one, we are looking at removing the Benelon, obviously, because it is quite a large portion, and it's obviously didn't perform too well with what happened in the market.","start":1568.255,"end":1576.99,"sentiment":"neutral","sentiment_score":-0.2471002716338262}],"sentiment":"neutral","sentiment_score":-0.1693476844086962,"channel":0,"num_words":53,"start":1561.0549,"end":1576.99},{"sentences":[{"text":"Yep.","start":1577.6749,"end":1577.91,"sentiment":"neutral","sentiment_score":0.04571545124053955}],"sentiment":"neutral","sentiment_score":0.04571545124053955,"channel":1,"num_words":1,"start":1577.6749,"end":1577.91},{"sentences":[{"text":"So we're looking at removing that, offsetting some changes there with the the growth moving forward there and carrying the the loss through with that one.","start":1577.8501,"end":1585.4501,"sentiment":"neutral","sentiment_score":-0.06493434582192165},{"text":"With the investment changes, we're looking at just updating the portfolio to be a bit more in line with what is happening, having a little bit less of an allocation to those managed funds.","start":1585.4501,"end":1596.545,"sentiment":"neutral","sentiment_score":0.1371411672409843},{"text":"So when they do have a negative year, it doesn't affect your balance as much.","start":1596.545,"end":1600.005,"sentiment":"neutral","sentiment_score":0.02011560748020808},{"text":"You do have the JPMorgan Global Research enhanced index.","start":1600.385,"end":1603.585,"sentiment":"neutral","sentiment_score":0.2377262314160665},{"text":"So it's an index fund, but it also has somewhat a degree of management.","start":1603.585,"end":1607.36,"sentiment":"neutral","sentiment_score":0.15952120402029582}],"sentiment":"neutral","sentiment_score":0.0780517729189323,"channel":0,"num_words":98,"start":1577.8501,"end":1607.36},{"sentences":[{"text":"And then you've got Alfiniti, which is the managed fund there as well, which ran 10%, which will mean that it's a bit more of a satellite now.","start":1607.5,"end":1613.6599,"sentiment":"neutral","sentiment_score":0.17208432193313325},{"text":"You won't have those major fluctuations like what has occurred with Benelon and how that did negatively impact your balance.","start":1613.6599,"end":1619.145,"sentiment":"neutral","sentiment_score":-0.13157704137265683},{"text":"The or the portfolio would still be the S","start":1620.105,"end":1622.345,"sentiment":"neutral","sentiment_score":0.05271776020526886}],"sentiment":"neutral","sentiment_score":0.04668912330740377,"channel":0,"num_words":57,"start":1607.5,"end":1622.345},{"sentences":[{"text":"Yep.","start":1622.125,"end":1622.625,"sentiment":"neutral","sentiment_score":0.10788755863904952}],"sentiment":"neutral","sentiment_score":0.10788755863904952,"channel":1,"num_words":1,"start":1622.125,"end":1622.625},{"sentences":[{"text":"and P 500 with around 20% invested in that one, and then the rest is sort of broken up between the Raffi Australian index, you know, across the Alfiniti and then the JP Global growth there with a few other alternative assets there as well.","start":1622.345,"end":1637.41,"sentiment":"neutral","sentiment_score":0.1266092002391815},{"text":"You have a bit of exposure in health care India and then also in gold and then a core bond, which is your defensive asset there as well, and then a little bit in cybersecurity.","start":1637.7101,"end":1646.61,"sentiment":"neutral","sentiment_score":0.18439521683113916},{"text":"So a real nice spread of, like, diversified ETFs there and some managed funds to hopefully give you a nice spread with those markets.","start":1647.095,"end":1654.3151,"sentiment":"positive","sentiment_score":0.4512694217264652}],"sentiment":"neutral","sentiment_score":0.2209780069354635,"channel":0,"num_words":104,"start":1622.345,"end":1654.3151},{"sentences":[{"text":"Yeah.","start":1655.355,"end":1655.675,"sentiment":"neutral","sentiment_score":0.30502524971961975},{"text":"It does it does look pretty pretty varied.","start":1655.675,"end":1657.855,"sentiment":"neutral","sentiment_score":0.3211635872721672}],"sentiment":"neutral","sentiment_score":0.31937043865521747,"channel":1,"num_words":9,"start":1655.355,"end":1657.855},{"sentences":[{"text":"Yeah.","start":1659.1901,"end":1659.43,"sentiment":"neutral","sentiment_score":0.07516643404960632},{"text":"Because obviously being in the bed along there, you're quite sort of segregated in regards to in that one spot of Australia in that managed funds.","start":1659.43,"end":1667.91,"sentiment":"neutral","sentiment_score":-0.12007328094198154},{"text":"So when that did poorly, it obviously affected your portfolio quite heavily.","start":1667.91,"end":1670.97,"sentiment":"negative","sentiment_score":-0.416896586616834},{"text":"So not only will this sort of give you a bit of a different exposure in regards to a little bit in India and then also within that as well having, you know, across health care industries, cyber, and then also in regards to the, you know, physical gold as well as the commodities and then with the the managed funds there as well and the Rafi index in Australia.","start":1671.215,"end":1692.9,"sentiment":"neutral","sentiment_score":-0.09809108279379351},{"text":"So I have the within the Australian market as well and the Australian equities market.","start":1692.9,"end":1697.24,"sentiment":"neutral","sentiment_score":0.029821698988477387}],"sentiment":"neutral","sentiment_score":-0.11668184048856699,"channel":0,"num_words":124,"start":1659.1901,"end":1697.24},{"sentences":[{"text":"Yep.","start":1698.545,"end":1699.025,"sentiment":"neutral","sentiment_score":0.12962687015533447},{"text":"Yep.","start":1699.025,"end":1699.345,"sentiment":"neutral","sentiment_score":0.22464776039123535},{"text":"That sounds good.","start":1699.345,"end":1700.0651,"sentiment":"positive","sentiment_score":0.61270672082901},{"text":"I like that.","start":1700.0651,"end":1700.885,"sentiment":"positive","sentiment_score":0.6607251365979513}],"sentiment":"positive","sentiment_score":0.5218212753534317,"channel":1,"num_words":8,"start":1698.545,"end":1700.885},{"sentences":[{"text":"Obviously, in the appendix as well, you'll have links to all these investments.","start":1702.5951,"end":1705.9551,"sentiment":"neutral","sentiment_score":0.1556848350625772},{"text":"If you did wanna have a look around at them and what we are recommending In regards to that, obviously, you know, I can't say too much in regards to what you're previously seeing.","start":1705.9551,"end":1714.7699,"sentiment":"neutral","sentiment_score":0.01608659978955984},{"text":"That wasn't my recommendation there.","start":1714.7699,"end":1716.9299,"sentiment":"neutral","sentiment_score":-0.115449720621109},{"text":"But then moving forward, if you do have any questions in regards to that, we can look at sort of changing if you do have any issues with them or sort of the weightings or did have any concerns with that there as well.","start":1716.9299,"end":1727.5751,"sentiment":"neutral","sentiment_score":0.019675602120431988},{"text":"But do you have any questions in regards to that or the the splits there for you?","start":1727.635,"end":1731.255,"sentiment":"neutral","sentiment_score":-0.005882281207424753}],"sentiment":"neutral","sentiment_score":0.02441881733031663,"channel":0,"num_words":113,"start":1702.5951,"end":1731.255},{"sentences":[{"text":"At the moment, I don't have any queries in regard to, like, anything ethical.","start":1732.5599,"end":1737.0599,"sentiment":"neutral","sentiment_score":-0.17826895362564496},{"text":"My bank","start":1737.84,"end":1738.3999,"sentiment":"neutral","sentiment_score":-0.29742223024368286}],"sentiment":"neutral","sentiment_score":-0.1931631132028997,"channel":1,"num_words":16,"start":1732.5599,"end":1738.3999},{"sentences":[{"text":"Yep.","start":1738.3701,"end":1738.8701,"sentiment":"neutral","sentiment_score":-0.19291552901268005}],"sentiment":"neutral","sentiment_score":-0.19291552901268005,"channel":0,"num_words":1,"start":1738.3701,"end":1738.8701},{"sentences":[{"text":"balance isn't high enough to to have that concern just yet.","start":1738.3999,"end":1741.46,"sentiment":"neutral","sentiment_score":-0.27412424033338373}],"sentiment":"neutral","sentiment_score":-0.27412424033338373,"channel":1,"num_words":11,"start":1738.3999,"end":1741.46},{"sentences":[{"text":"Yep.","start":1741.5701,"end":1742.0701,"sentiment":"neutral","sentiment_score":-0.048171013593673706}],"sentiment":"neutral","sentiment_score":-0.048171013593673706,"channel":0,"num_words":1,"start":1741.5701,"end":1742.0701},{"sentences":[{"text":"It","start":1742.8799,"end":1743.3799,"sentiment":"neutral","sentiment_score":-0.11211003363132475}],"sentiment":"neutral","sentiment_score":-0.11211003363132475,"channel":1,"num_words":1,"start":1742.8799,"end":1743.3799},{"sentences":[{"text":"Understandable","start":1744.77,"end":1745.27,"sentiment":"neutral","sentiment_score":-0.19763804972171783}],"sentiment":"neutral","sentiment_score":-0.19763804972171783,"channel":0,"num_words":1,"start":1744.77,"end":1745.27},{"sentences":[{"text":"makes you sound like","start":1744.7999,"end":1745.6,"sentiment":"neutral","sentiment_score":-0.2575851082801819}],"sentiment":"neutral","sentiment_score":-0.2575851082801819,"channel":1,"num_words":4,"start":1744.7999,"end":1745.6},{"sentences":[{"text":"like","start":1745.5701,"end":1745.7301,"sentiment":"negative","sentiment_score":-0.3443455696105957}],"sentiment":"negative","sentiment_score":-0.3443455696105957,"channel":0,"num_words":1,"start":1745.5701,"end":1745.7301},{"sentences":[{"text":"a bad person, but","start":1745.6,"end":1748.2599,"sentiment":"neutral","sentiment_score":-0.2866727113723755}],"sentiment":"neutral","sentiment_score":-0.2866727113723755,"channel":1,"num_words":4,"start":1745.6,"end":1748.2599},{"sentences":[{"text":"Yeah.","start":1749.81,"end":1750.05,"sentiment":"neutral","sentiment_score":-0.03529138118028641},{"text":"And look, some people, funny enough, have invested in Ethical.","start":1750.05,"end":1754.645,"sentiment":"neutral","sentiment_score":-0.03915289714932442},{"text":"And given the cost of Ethical at the moment and sort of how it does perform, obviously, it takes quite a bit of money to sort of dictate what is ethical and what isn't.","start":1754.645,"end":1763.365,"sentiment":"neutral","sentiment_score":-0.12318630538442556},{"text":"And then also sometimes even though you can be, like, in a carbon aware fund, but it's still got, like, a mining company that's trying to be carbon aware by offsetting it through some green space and things like that.","start":1763.365,"end":1772.99,"sentiment":"neutral","sentiment_score":-0.12178089451044798},{"text":"So it's very hard to try and, you know, build a portfolio that is truly ethical.","start":1773.13,"end":1778.3501,"sentiment":"neutral","sentiment_score":-0.19440403440967202}],"sentiment":"neutral","sentiment_score":-0.12472133729422447,"channel":0,"num_words":101,"start":1749.81,"end":1778.3501},{"sentences":[{"text":"And then that","start":1778.785,"end":1779.265,"sentiment":"neutral","sentiment_score":0.0019077447553475697}],"sentiment":"neutral","sentiment_score":0.0019077447553475697,"channel":0,"num_words":3,"start":1778.785,"end":1779.265},{"sentences":[{"text":"Yes.","start":1779.125,"end":1779.625,"sentiment":"neutral","sentiment_score":-0.012923980131745338}],"sentiment":"neutral","sentiment_score":-0.012923980131745338,"channel":1,"num_words":1,"start":1779.125,"end":1779.625},{"sentences":[{"text":"comes at a higher cost, and it generally doesn't perform as well.","start":1779.265,"end":1782.385,"sentiment":"negative","sentiment_score":-0.5283731669187546},{"text":"So, generally, you know, a couple people I've seen have been in it for about a year, realize that it's a high cost, lower performing, and they jump out of it anyway.","start":1782.385,"end":1790.165,"sentiment":"neutral","sentiment_score":-0.2879803772084415},{"text":"Not to say that we can't sprinkle in a few ethical investments in the future once you sort of wanna have a look at it, but, yeah, this is sort of more your conventional investment still.","start":1790.465,"end":1798.06,"sentiment":"neutral","sentiment_score":-0.0641304316620032},{"text":"But it's not","start":1798.36,"end":1798.84,"sentiment":"neutral","sentiment_score":-0.08986757323145866}],"sentiment":"neutral","sentiment_score":-0.21848371485809245,"channel":0,"num_words":83,"start":1779.265,"end":1798.84},{"sentences":[{"text":"Yes.","start":1798.82,"end":1799.025,"sentiment":"neutral","sentiment_score":-0.1088763028383255}],"sentiment":"neutral","sentiment_score":-0.1088763028383255,"channel":1,"num_words":1,"start":1798.82,"end":1799.025},{"sentences":[{"text":"like it's targeting, you know, mining or child labor and things like that.","start":1798.84,"end":1802.4401,"sentiment":"negative","sentiment_score":-0.35434644611982197},{"text":"It's obviously just your standard sort of large companies that sort of everyone sort of has a a finger in the pie.","start":1802.4401,"end":1808.535,"sentiment":"negative","sentiment_score":-0.4364535320888866}],"sentiment":"negative","sentiment_score":-0.40595661444323405,"channel":0,"num_words":35,"start":1798.84,"end":1808.535},{"sentences":[{"text":"Oh god.","start":1808.865,"end":1809.265,"sentiment":"neutral","sentiment_score":-0.3182920217514038},{"text":"Can you imagine the scandal?","start":1809.265,"end":1810.645,"sentiment":"negative","sentiment_score":-0.42367313504219056}],"sentiment":"negative","sentiment_score":-0.3935642455305372,"channel":1,"num_words":7,"start":1808.865,"end":1810.645},{"sentences":[{"text":"Yeah.","start":1812.2151,"end":1812.7151,"sentiment":"neutral","sentiment_score":-0.2316030710935593},{"text":"No.","start":1813.415,"end":1813.735,"sentiment":"negative","sentiment_score":-0.3353857398033142},{"text":"We're definitely definitely not that direct in regards to the investments, and these are all sort of those index funds anyway.","start":1813.735,"end":1821.015,"sentiment":"neutral","sentiment_score":-0.2527722751810437},{"text":"So it depends on, like,","start":1821.015,"end":1821.975,"sentiment":"neutral","sentiment_score":-0.10338887274265289}],"sentiment":"neutral","sentiment_score":-0.228291105479002,"channel":0,"num_words":28,"start":1812.2151,"end":1821.975},{"sentences":[{"text":"Yep.","start":1821.8099,"end":1822.3099,"sentiment":"neutral","sentiment_score":-0.08582531660795212}],"sentiment":"neutral","sentiment_score":-0.08582531660795212,"channel":1,"num_words":1,"start":1821.8099,"end":1822.3099},{"sentences":[{"text":"the companies that are in it.","start":1821.975,"end":1823.515,"sentiment":"neutral","sentiment_score":-0.11202331508199374},{"text":"You know, the S and P 500, I'd you know, I dare say that the top 500 companies in America, some are using some form of, like, potential, you know, child labor, things like that to to with their business and the growth in their business, but I couldn't say it for sure and then be slander if","start":1823.72,"end":1838.825,"sentiment":"neutral","sentiment_score":-0.23711835336068582}],"sentiment":"neutral","sentiment_score":-0.22539069352205843,"channel":0,"num_words":64,"start":1821.975,"end":1838.825},{"sentences":[{"text":"K.","start":1838.705,"end":1838.97,"sentiment":"negative","sentiment_score":-0.4791561067104339}],"sentiment":"negative","sentiment_score":-0.4791561067104339,"channel":1,"num_words":1,"start":1838.705,"end":1838.97},{"sentences":[{"text":"I didn't did say that directly, but, you know, it's one of those things.","start":1838.825,"end":1842.6649,"sentiment":"negative","sentiment_score":-0.3626002328736441},{"text":"Every sort of corporation feels like it's been caught at once or twice doing some sort of dodgy thing.","start":1842.6649,"end":1847.485,"sentiment":"negative","sentiment_score":-0.7014957289946707}],"sentiment":"negative","sentiment_score":-0.5577218821554473,"channel":0,"num_words":33,"start":1838.825,"end":1847.485},{"sentences":[{"text":"Yeah.","start":1848.49,"end":1848.99,"sentiment":"neutral","sentiment_score":-0.22895696759223935},{"text":"When you're when you're diversifying overseas, there's always that risk, I","start":1849.0499,"end":1853.145,"sentiment":"neutral","sentiment_score":-0.1709821637381207}],"sentiment":"neutral","sentiment_score":-0.17581339739263058,"channel":1,"num_words":12,"start":1848.49,"end":1853.145},{"sentences":[{"text":"Yeah.","start":1854.84,"end":1855.16,"sentiment":"neutral","sentiment_score":-0.0823119580745697},{"text":"And then, obviously, as I said, we can look at being, like, a little bit more ethically minded in the the future if that's something you did wanna have a look at as well.","start":1855.16,"end":1862.46,"sentiment":"neutral","sentiment_score":0.0525714856955935}],"sentiment":"neutral","sentiment_score":0.04871767301644598,"channel":0,"num_words":35,"start":1854.84,"end":1862.46},{"sentences":[{"text":"suppose.","start":1862.425,"end":1862.925,"sentiment":"neutral","sentiment_score":-0.03092139959335327},{"text":"No.","start":1863.625,"end":1864.025,"sentiment":"neutral","sentiment_score":-0.16854019463062286},{"text":"No.","start":1864.025,"end":1864.265,"sentiment":"neutral","sentiment_score":-0.16601192951202393},{"text":"No.","start":1864.265,"end":1864.585,"sentiment":"neutral","sentiment_score":-0.15597307682037354},{"text":"Until until my balance is, like, in 6 figures, I'm happy to be just earning cash.","start":1864.585,"end":1871.35,"sentiment":"neutral","sentiment_score":0.022546819876879454}],"sentiment":"neutral","sentiment_score":-0.008034874126315117,"channel":1,"num_words":20,"start":1862.425,"end":1871.35},{"sentences":[{"text":"Understandable.","start":1873.035,"end":1873.535,"sentiment":"neutral","sentiment_score":0.1626373529434204},{"text":"I don't blame you at all.","start":1873.835,"end":1875.215,"sentiment":"neutral","sentiment_score":-0.08954785971824701},{"text":"In regards to that risk profile, as I was saying, we aim for that ninety ten split.","start":1876.5199,"end":1880.1399,"sentiment":"neutral","sentiment_score":0.04255592488848111},{"text":"If you do look","start":1880.36,"end":1881.48,"sentiment":"neutral","sentiment_score":0.1065572015941143}],"sentiment":"neutral","sentiment_score":0.027679633004091948,"channel":0,"num_words":28,"start":1873.035,"end":1881.48},{"sentences":[{"text":"Yep.","start":1881.01,"end":1881.285,"sentiment":"neutral","sentiment_score":-0.01951572671532631}],"sentiment":"neutral","sentiment_score":-0.01951572671532631,"channel":1,"num_words":1,"start":1881.01,"end":1881.285},{"sentences":[{"text":"in regards to the allocation on page 19 there, you have a little bit less of exposure in the Australian equities market and a little bit more in the international, plus a little bit in the alternative growth side of things.","start":1881.48,"end":1892.5249,"sentiment":"neutral","sentiment_score":0.015280798849899595},{"text":"That is mainly your gold.","start":1892.5249,"end":1893.985,"sentiment":"neutral","sentiment_score":0.04497619569301605},{"text":"So with that one there, even though it's considered to be, like, a bit of a split asset, like, being alternative with growth and defensive, they just accumulated, like, allocated to the growth side of things given how it has been for the last few years.","start":1894.6849,"end":1907.22,"sentiment":"neutral","sentiment_score":0.05874288300781146},{"text":"So","start":1907.44,"end":1907.94,"sentiment":"neutral","sentiment_score":0.04889610409736633}],"sentiment":"neutral","sentiment_score":0.03873615541685653,"channel":0,"num_words":93,"start":1881.48,"end":1907.94},{"sentences":[{"text":"Okay.","start":1907.54,"end":1907.8601,"sentiment":"neutral","sentiment_score":0.095904141664505},{"text":"Yep.","start":1907.8601,"end":1908.135,"sentiment":"neutral","sentiment_score":0.10185728967189787}],"sentiment":"neutral","sentiment_score":0.09888071566820145,"channel":1,"num_words":2,"start":1907.54,"end":1908.135},{"sentences":[{"text":"within regards to that, it can act as a bit of a defensive portion.","start":1908.72,"end":1911.36,"sentiment":"neutral","sentiment_score":0.11931579081075532},{"text":"Obviously, when things do go down within regards to wars and things like that, gold tends to sort of be negatively correlated.","start":1911.36,"end":1918.145,"sentiment":"neutral","sentiment_score":-0.1964435215023431},{"text":"It tends to go up a little bit.","start":1918.145,"end":1919.345,"sentiment":"neutral","sentiment_score":-0.18292071484029293},{"text":"People go back to that harder currency.","start":1919.345,"end":1920.965,"sentiment":"neutral","sentiment_score":-0.1038772240281105}],"sentiment":"neutral","sentiment_score":-0.09493809193372726,"channel":0,"num_words":51,"start":1908.72,"end":1920.965},{"sentences":[{"text":"Yep.","start":1922.295,"end":1922.795,"sentiment":"neutral","sentiment_score":0.060168489813804626}],"sentiment":"neutral","sentiment_score":0.060168489813804626,"channel":1,"num_words":1,"start":1922.295,"end":1922.795},{"sentences":[{"text":"But then also in regards to the Australian fixed interest, you do have sort of roughly the the same amount, and then you do have the cash holding there as well, and it sort of gives you around that $90.10 sort of split.","start":1922.705,"end":1935.72,"sentiment":"neutral","sentiment_score":0.06394208872387576}],"sentiment":"neutral","sentiment_score":0.06394208872387576,"channel":0,"num_words":43,"start":1922.705,"end":1935.72},{"sentences":[{"text":"Okay.","start":1936.72,"end":1937.22,"sentiment":"neutral","sentiment_score":0.15508699417114258},{"text":"Yep.","start":1937.44,"end":1937.895,"sentiment":"neutral","sentiment_score":0.22959071397781372},{"text":"That sounds good.","start":1938.135,"end":1939.035,"sentiment":"positive","sentiment_score":0.47204045454661053}],"sentiment":"positive","sentiment_score":0.36015981435775757,"channel":1,"num_words":5,"start":1936.72,"end":1939.035},{"sentences":[{"text":"Okay.","start":1939.78,"end":1940.28,"sentiment":"neutral","sentiment_score":0.1515430510044098}],"sentiment":"neutral","sentiment_score":0.1515430510044098,"channel":0,"num_words":1,"start":1939.78,"end":1940.28},{"sentences":[{"text":"I'll lock it.","start":1940.215,"end":1941.1951,"sentiment":"neutral","sentiment_score":0.096026045580705}],"sentiment":"neutral","sentiment_score":0.096026045580705,"channel":1,"num_words":3,"start":1940.215,"end":1941.1951},{"sentences":[{"text":"Yep.","start":1941.86,"end":1942.18,"sentiment":"neutral","sentiment_score":0.11961422860622406},{"text":"The next page over there as well, you'll be able to see, like, a a table that illustrates the changes there.","start":1942.18,"end":1947.64,"sentiment":"neutral","sentiment_score":0.0971465887767928},{"text":"Obviously, with the rollover from MLC to Netwealth, you will have more funds going into the Netwealth that will result in slightly higher administration adviser fees in that fund, but it'll also reduce administration costs in your the fund that for MLC because it has less of a balance.","start":1948.215,"end":1964.79,"sentiment":"neutral","sentiment_score":0.18588062801531383},{"text":"In addition to that as well, the investment fee will be lowered with the changes.","start":1964.93,"end":1968.23,"sentiment":"neutral","sentiment_score":0.2852699061234792},{"text":"So overall, you will be saving money.","start":1968.93,"end":1971.11,"sentiment":"positive","sentiment_score":0.5519531539508274}],"sentiment":"neutral","sentiment_score":0.20871574231373366,"channel":0,"num_words":93,"start":1941.86,"end":1971.11},{"sentences":[{"text":"And with that projected adviser fee, that's based on some growth as well.","start":1971.41,"end":1975.03,"sentiment":"positive","sentiment_score":0.33630620401639205},{"text":"So if that recommended investment doesn't perform as to, like, you know, the five year rolling averages there as well and what's going on in the markets, you will be charged less than that because it is a fluctuating figure based on what is occurring.","start":1975.115,"end":1988.015,"sentiment":"neutral","sentiment_score":-0.0575802631676197}],"sentiment":"neutral","sentiment_score":0.030704634649486376,"channel":0,"num_words":58,"start":1971.41,"end":1988.015},{"sentences":[{"text":"Yep.","start":1988.62,"end":1989.12,"sentiment":"neutral","sentiment_score":-0.04830363020300865}],"sentiment":"neutral","sentiment_score":-0.04830363020300865,"channel":1,"num_words":1,"start":1988.62,"end":1989.12},{"sentences":[{"text":"And, obviously, you know, as I said, that's the one thing that isn't guaranteed and past performance isn't indicative of future performance, unfortunately.","start":1989.7401,"end":1995.8401,"sentiment":"neutral","sentiment_score":-0.25526289641857147},{"text":"Otherwise, we could all pick the winners and I'll be out of a job.","start":1996.62,"end":2000.0,"sentiment":"negative","sentiment_score":-0.42708871194294523},{"text":"But,","start":2000.9401,"end":2001.4401,"sentiment":"neutral","sentiment_score":-0.015168212354183195}],"sentiment":"neutral","sentiment_score":-0.3122488630837516,"channel":0,"num_words":38,"start":1989.7401,"end":2001.4401},{"sentences":[{"text":"Oh, yeah.","start":2001.715,"end":2002.115,"sentiment":"neutral","sentiment_score":0.12601204216480255},{"text":"Can you imagine?","start":2002.115,"end":2002.9349,"sentiment":"neutral","sentiment_score":0.15433444579442343}],"sentiment":"neutral","sentiment_score":0.14300548434257507,"channel":1,"num_words":5,"start":2001.715,"end":2002.9349},{"sentences":[{"text":"yeah, I'll be sipping pina coladas on the beach.","start":2003.335,"end":2006.135,"sentiment":"positive","sentiment_score":0.38368843495845795},{"text":"Wouldn't it be nice?","start":2006.135,"end":2007.275,"sentiment":"neutral","sentiment_score":0.33128925412893295},{"text":"In regards to the figures and returns, you can see based on the portfolios and the breaks and then the three to five to ten years on page 21 there.","start":2008.615,"end":2016.9,"sentiment":"neutral","sentiment_score":0.12056464230020841},{"text":"Just have a look and sort of that past forms just give you an indication of what you're going into there.","start":2017.22,"end":2023.0,"sentiment":"neutral","sentiment_score":0.18952841737440654},{"text":"In addition to that, you'll also see the premium impact of your insurances on your MLC fund and what that does look like in terms of, like, balance and fee costs as well.","start":2023.06,"end":2034.105,"sentiment":"neutral","sentiment_score":0.14526132110393408}],"sentiment":"neutral","sentiment_score":0.17700012949938626,"channel":0,"num_words":97,"start":2003.335,"end":2034.105},{"sentences":[{"text":"Okay.","start":2034.9099,"end":2035.4099,"sentiment":"neutral","sentiment_score":0.033216290175914764}],"sentiment":"neutral","sentiment_score":0.033216290175914764,"channel":1,"num_words":1,"start":2034.9099,"end":2035.4099},{"sentences":[{"text":"Obviously, it's not, you know, a huge amount sort of different in regards to, you know, what that does sort of cost.","start":2035.205,"end":2045.205,"sentiment":"neutral","sentiment_score":-0.1201077750460668},{"text":"And I believe that figure might even be backwards there.","start":2045.205,"end":2048.72,"sentiment":"neutral","sentiment_score":-0.266025198996067},{"text":"I'm just having a look at that one.","start":2048.72,"end":2049.8398,"sentiment":"neutral","sentiment_score":-0.045800762716680765},{"text":"Sorry.","start":2049.8398,"end":2050.3398,"sentiment":"neutral","sentiment_score":-0.20790372788906095}],"sentiment":"neutral","sentiment_score":-0.14333982611211335,"channel":0,"num_words":41,"start":2035.205,"end":2050.3398},{"sentences":[{"text":"Impact on you.","start":2056.1802,"end":2057.4001,"sentiment":"neutral","sentiment_score":-0.2649249682823817}],"sentiment":"neutral","sentiment_score":-0.2649249682823817,"channel":1,"num_words":3,"start":2056.1802,"end":2057.4001},{"sentences":[{"text":"Something about that feels a little bit off.","start":2060.655,"end":2062.335,"sentiment":"negative","sentiment_score":-0.3998657315969467},{"text":"I wouldn't sort of worry about that one too much.","start":2062.335,"end":2064.495,"sentiment":"negative","sentiment_score":-0.3527748376131058},{"text":"It was meant to illustrate the the impacts of having the insurances there, but it seems the figure has been skewed slightly and it's doubled up.","start":2064.495,"end":2076.27,"sentiment":"neutral","sentiment_score":-0.291584430119166},{"text":"So I'm not too sure what did occur there, so I'd probably just ignore that one.","start":2076.27,"end":2080.59,"sentiment":"neutral","sentiment_score":-0.2334174094721675},{"text":"It was just to illustrate the cost of insurances on your superannuation,","start":2080.59,"end":2084.21,"sentiment":"neutral","sentiment_score":0.003130410797894001}],"sentiment":"neutral","sentiment_score":-0.25006920880534583,"channel":0,"num_words":72,"start":2060.655,"end":2084.21},{"sentences":[{"text":"Okay.","start":2085.275,"end":2085.755,"sentiment":"neutral","sentiment_score":0.06029054895043373}],"sentiment":"neutral","sentiment_score":0.06029054895043373,"channel":1,"num_words":1,"start":2085.275,"end":2085.755},{"sentences":[{"text":"but that's","start":2085.395,"end":2085.955,"sentiment":"neutral","sentiment_score":0.06792781129479408}],"sentiment":"neutral","sentiment_score":0.06792781129479408,"channel":0,"num_words":2,"start":2085.395,"end":2085.955},{"sentences":[{"text":"Yep.","start":2085.755,"end":2086.14,"sentiment":"neutral","sentiment_score":0.14672347903251648}],"sentiment":"neutral","sentiment_score":0.14672347903251648,"channel":1,"num_words":1,"start":2085.755,"end":2086.14},{"sentences":[{"text":"fine.","start":2085.955,"end":2086.435,"sentiment":"neutral","sentiment_score":0.1906813085079193},{"text":"Yeah.","start":2086.435,"end":2086.935,"sentiment":"neutral","sentiment_score":0.041158273816108704},{"text":"It does seem that there has been a bit of a a formatting error there, so apologies for that one.","start":2087.555,"end":2091.9749,"sentiment":"neutral","sentiment_score":-0.18949501104652883}],"sentiment":"neutral","sentiment_score":-0.1617300290275704,"channel":0,"num_words":22,"start":2085.955,"end":2091.9749},{"sentences":[{"text":"That's right.","start":2092.14,"end":2092.88,"sentiment":"neutral","sentiment_score":0.12292157858610153}],"sentiment":"neutral","sentiment_score":0.12292157858610153,"channel":1,"num_words":2,"start":2092.14,"end":2092.88},{"sentences":[{"text":"In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination.","start":2093.4749,"end":2103.5999,"sentiment":"neutral","sentiment_score":0.20609205798245966},{"text":"We are just recommending that you nominate the legal person representative.","start":2103.5999,"end":2106.9,"sentiment":"neutral","sentiment_score":0.24671242318370126},{"text":"So once you do a will, that will means it will go to your state.","start":2106.96,"end":2109.94,"sentiment":"neutral","sentiment_score":0.1736402417222659},{"text":"So with that one, the benefits are, It doesn't actually pay the the Medicare levy when going to the estate, which is nice.","start":2110.16,"end":2118.405,"sentiment":"neutral","sentiment_score":0.12891521053793636},{"text":"But in saying that if you sort of did have a dependent there or a spouse in the future, you can change it to them so they can receive the funds tax free as opposed to getting taxed.","start":2119.1052,"end":2128.31,"sentiment":"neutral","sentiment_score":-0.03815904269485097}],"sentiment":"neutral","sentiment_score":0.11284363324589589,"channel":0,"num_words":119,"start":2093.4749,"end":2128.31},{"sentences":[{"text":"But with that, there also is the risk that when it goes to the estate, it does open it up to, you know, family fighting over the funds, whereas when it's currently, it's not a non estate asset, which is something to be mindful of at the end of the day as well.","start":2129.57,"end":2141.235,"sentiment":"negative","sentiment_score":-0.39551872886576744},{"text":"But given that, you know, if you did have a nomination currently as well, it might sort of be the fact that it's not valid anyway, and it might end up in the estate, if that makes 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the moment, but I think I set the super to go a 100% to the estate anyway, I think.","start":2153.735,"end":2167.81,"sentiment":"neutral","sentiment_score":0.07670558664454695}],"sentiment":"neutral","sentiment_score":0.07670558664454695,"channel":1,"num_words":34,"start":2153.735,"end":2167.81},{"sentences":[{"text":"I've got Muriel and Barry as your recipients for Netwealth.","start":2168.865,"end":2175.2048,"sentiment":"neutral","sentiment_score":0.1648795023560524}],"sentiment":"neutral","sentiment_score":0.1648795023560524,"channel":0,"num_words":10,"start":2168.865,"end":2175.2048},{"sentences":[{"text":"Yeah.","start":2176.0652,"end":2176.5652,"sentiment":"neutral","sentiment_score":0.123682901263237},{"text":"I think I think it's definitely that one.","start":2176.625,"end":2178.625,"sentiment":"neutral","sentiment_score":0.16066267993301153},{"text":"Yeah.","start":2178.625,"end":2178.945,"sentiment":"neutral","sentiment_score":0.05226141959428787},{"text":"You're right for Netwealth, but I think MLC, I just went to the estate","start":2178.945,"end":2184.485,"sentiment":"neutral","sentiment_score":0.027987007849982808}],"sentiment":"neutral","sentiment_score":0.07721099459255736,"channel":1,"num_words":24,"start":2176.0652,"end":2184.485},{"sentences":[{"text":"Yeah.","start":2185.2,"end":2185.52,"sentiment":"neutral","sentiment_score":0.03338376432657242},{"text":"Okay.","start":2185.52,"end":2186.02,"sentiment":"neutral","sentiment_score":0.0140315480530262}],"sentiment":"neutral","sentiment_score":0.02370765618979931,"channel":0,"num_words":2,"start":2185.2,"end":2186.02},{"sentences":[{"text":"from","start":2186.48,"end":2186.8,"sentiment":"neutral","sentiment_score":-0.010656710714101791}],"sentiment":"neutral","sentiment_score":-0.010656710714101791,"channel":1,"num_words":1,"start":2186.48,"end":2186.8},{"sentences":[{"text":"So 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will","start":2194.465,"end":2195.345,"sentiment":"neutral","sentiment_score":0.033535247668623924}],"sentiment":"neutral","sentiment_score":-0.06349289481295273,"channel":0,"num_words":32,"start":2186.96,"end":2195.345},{"sentences":[{"text":"Yep.","start":2195.1199,"end":2195.6199,"sentiment":"neutral","sentiment_score":0.10276345908641817}],"sentiment":"neutral","sentiment_score":0.10276345908641817,"channel":1,"num_words":1,"start":2195.1199,"end":2195.6199},{"sentences":[{"text":"in place, it makes it a lot more simplified.","start":2195.345,"end":2197.605,"sentiment":"neutral","sentiment_score":0.20637543830606672},{"text":"And, you know, in the future, if you do have a spouse, things like that, you can just change it.","start":2197.665,"end":2201.025,"sentiment":"neutral","sentiment_score":0.05274103563278913},{"text":"That's more than fine.","start":2201.025,"end":2202.2449,"sentiment":"neutral","sentiment_score":0.13243992254137993},{"text":"But with Muriel and Barry there at the moment, it just wouldn't sort of be a valid nomination currently unless they're sort of dependent on you sort of financially or caring, things like that or some form of independent relationship, which is very hard to prove for the trustees of super, especially when you're gone and it's up to whoever's left in a trying time there as well.","start":2202.465,"end":2222.875,"sentiment":"neutral","sentiment_score":-0.26016039960086346},{"text":"It can be a little bit difficult, if that makes sense.","start":2222.875,"end":2225.375,"sentiment":"neutral","sentiment_score":-0.3172806311737407}],"sentiment":"neutral","sentiment_score":-0.1583842390017318,"channel":0,"num_words":112,"start":2195.345,"end":2225.375},{"sentences":[{"text":"Yep.","start":2225.7249,"end":2226.045,"sentiment":"neutral","sentiment_score":0.04205946624279022},{"text":"Yep.","start":2226.045,"end":2226.365,"sentiment":"neutral","sentiment_score":0.07839217782020569},{"text":"That's fair enough.","start":2226.365,"end":2227.345,"sentiment":"neutral","sentiment_score":0.2100352644920349}],"sentiment":"neutral","sentiment_score":0.15011148750782013,"channel":1,"num_words":5,"start":2225.7249,"end":2227.345},{"sentences":[{"text":"Perfect.","start":2228.315,"end":2228.815,"sentiment":"neutral","sentiment_score":0.0652618333697319},{"text":"Obviously, in conjunction with that, we are recommending you do establish a will.","start":2229.64,"end":2232.44,"sentiment":"neutral","sentiment_score":0.13308711006091192},{"text":"Like I said, there are options out there for, like, the, you know, post office will pack.","start":2232.44,"end":2236.52,"sentiment":"neutral","sentiment_score":0.15019390052732298},{"text":"They're not the the best thing out there, but in terms of, like, pricing, they are a lot cheaper than going to, like, a lawyer and setting up, like, a $300 will.","start":2236.52,"end":2244.7,"sentiment":"neutral","sentiment_score":0.2472294857725501},{"text":"So it is an option there for you as well.","start":2245.5051,"end":2247.745,"sentiment":"positive","sentiment_score":0.4725389093160629}],"sentiment":"neutral","sentiment_score":0.23267703028778508,"channel":0,"num_words":73,"start":2228.315,"end":2247.745},{"sentences":[{"text":"If you follow the instructions, at least you've got something, and you do have some form of will.","start":2247.745,"end":2252.405,"sentiment":"positive","sentiment_score":0.35291656023926204}],"sentiment":"positive","sentiment_score":0.35291656023926204,"channel":0,"num_words":18,"start":2247.745,"end":2252.405},{"sentences":[{"text":"Yep.","start":2253.595,"end":2253.9148,"sentiment":"neutral","sentiment_score":0.19036470353603363},{"text":"Yep.","start":2253.9148,"end":2254.315,"sentiment":"neutral","sentiment_score":0.20704609155654907},{"text":"I'll I'll need to get on that.","start":2254.315,"end":2256.015,"sentiment":"neutral","sentiment_score":0.12729826888867787},{"text":"Yeah.","start":2257.755,"end":2258.155,"sentiment":"neutral","sentiment_score":0.14820276200771332},{"text":"I'll I'll I'll take a look at some options.","start":2258.155,"end":2260.095,"sentiment":"neutral","sentiment_score":0.17665653261873457}],"sentiment":"neutral","sentiment_score":0.15929527541524485,"channel":1,"num_words":19,"start":2253.595,"end":2260.095},{"sentences":[{"text":"Yeah.","start":2260.73,"end":2261.1301,"sentiment":"neutral","sentiment_score":0.15469712018966675},{"text":"And then within regards to that, if you do seek a lawyer as well, you can establish a power of attorney.","start":2261.1301,"end":2266.01,"sentiment":"neutral","sentiment_score":0.1999419310263225},{"text":"I'm not a 100% sure what the post office rules if you can establish power of attorney, things like that.","start":2266.01,"end":2269.845,"sentiment":"neutral","sentiment_score":0.14956657849252225},{"text":"But it just means that in the event that anything did happen, there's someone there that can make financial sort of medical decisions for you if you're otherwise incapacitated as well.","start":2270.165,"end":2278.665,"sentiment":"neutral","sentiment_score":0.19738595740449044},{"text":"You can also, you know, pair that with advanced health care directives, things like that with wills and, you know, your power of attorneys.","start":2279.205,"end":2284.585,"sentiment":"neutral","sentiment_score":0.20024911500513554}],"sentiment":"neutral","sentiment_score":0.18834796578613752,"channel":0,"num_words":97,"start":2260.73,"end":2284.585},{"sentences":[{"text":"You know, it's sometimes a very hard time, and people sometimes make decisions that might not be, you know, something you want.","start":2284.97,"end":2290.73,"sentiment":"neutral","sentiment_score":-0.08891114965081215},{"text":"Whether or not you wanna pull the plug or not, that's a sort of you decision.","start":2290.73,"end":2293.63,"sentiment":"neutral","sentiment_score":-0.027293999446555972},{"text":"But in saying that if you're somewhat incapacitated, you can't make that decision for yourself.","start":2294.01,"end":2298.25,"sentiment":"neutral","sentiment_score":-0.05901413112878799},{"text":"So if you preemptively put in a bit of writing, it makes it a lot easier on sort of everyone and that sort of thing.","start":2298.25,"end":2303.825,"sentiment":"neutral","sentiment_score":0.2531345236301422}],"sentiment":"neutral","sentiment_score":0.03910771590203811,"channel":0,"num_words":78,"start":2284.97,"end":2303.825},{"sentences":[{"text":"Okay.","start":2304.2952,"end":2304.7751,"sentiment":"neutral","sentiment_score":0.15115013718605042},{"text":"Yeah.","start":2304.7751,"end":2304.935,"sentiment":"neutral","sentiment_score":0.1870273649692535},{"text":"Yep.","start":2304.935,"end":2305.2551,"sentiment":"neutral","sentiment_score":0.24538175761699677},{"text":"That makes sense.","start":2305.2551,"end":2306.155,"sentiment":"neutral","sentiment_score":0.3317032853762309},{"text":"It says a piece of paper to point to, then plus the arguments.","start":2306.615,"end":2310.475,"sentiment":"neutral","sentiment_score":0.1689909455867914}],"sentiment":"neutral","sentiment_score":0.19871323202785693,"channel":1,"num_words":19,"start":2304.2952,"end":2310.475},{"sentences":[{"text":"Yeah.","start":2311.245,"end":2311.485,"sentiment":"neutral","sentiment_score":0.16971129179000854},{"text":"Exactly.","start":2311.485,"end":2311.965,"sentiment":"neutral","sentiment_score":0.20343518257141113},{"text":"It takes a lot of the, you know, the conflict in those times between family members out of the equation and somewhat makes it just the decision easier as well versus, you know, what they want versus what you want.","start":2311.965,"end":2324.24,"sentiment":"neutral","sentiment_score":0.20903859101235867},{"text":"As far as remuneration's concerned, they've agreed to keep you on the 1.1¢ ongoing fee there.","start":2324.8599,"end":2331.445,"sentiment":"neutral","sentiment_score":0.13649035841226578},{"text":"It is a bit lower than what the standard 1.65 is, and that was just due to your your lower balance there.","start":2331.445,"end":2336.085,"sentiment":"neutral","sentiment_score":0.02166183496063406}],"sentiment":"neutral","sentiment_score":0.14251399823004687,"channel":0,"num_words":80,"start":2311.245,"end":2336.085},{"sentences":[{"text":"They're happy to leave it at a bit of a lower rate to help your superannuation grow","start":2336.085,"end":2339.705,"sentiment":"positive","sentiment_score":0.7246933018459993}],"sentiment":"positive","sentiment_score":0.7246933018459993,"channel":0,"num_words":17,"start":2336.085,"end":2339.705},{"sentences":[{"text":"Sweet.","start":2340.7,"end":2341.02,"sentiment":"positive","sentiment_score":0.733858048915863},{"text":"Thank you.","start":2341.02,"end":2341.76,"sentiment":"positive","sentiment_score":0.7911796271800995}],"sentiment":"positive","sentiment_score":0.772072434425354,"channel":1,"num_words":3,"start":2340.7,"end":2341.76},{"sentences":[{"text":"and, yeah, get that sort of compounding moving forward.","start":2341.365,"end":2344.425,"sentiment":"positive","sentiment_score":0.587665491633945},{"text":"I can't say for the the next interview what that might be.","start":2344.55,"end":2346.8699,"sentiment":"neutral","sentiment_score":-0.0171986681719621},{"text":"They might look at bumping it back up to the 1.65, but I managed to keep it to the 1.1 for you there.","start":2346.8699,"end":2351.8499,"sentiment":"neutral","sentiment_score":0.14685336953919867}],"sentiment":"neutral","sentiment_score":0.19227802059189839,"channel":0,"num_words":44,"start":2341.365,"end":2351.8499},{"sentences":[{"text":"I appreciate it.","start":2352.555,"end":2353.275,"sentiment":"positive","sentiment_score":0.6847598354021708},{"text":"Thank you.","start":2353.275,"end":2354.015,"sentiment":"positive","sentiment_score":0.5267817378044128}],"sentiment":"positive","sentiment_score":0.6215685963630676,"channel":1,"num_words":5,"start":2352.555,"end":2354.015},{"sentences":[{"text":"Based on balance, it'll be around $774.04 dollars then.","start":2354.15,"end":2358.57,"sentiment":"neutral","sentiment_score":0.15464605225457084},{"text":"And then in regards to, like, the authority to proceed, if you were happy with everything, we would change those underlying investments there that organize that rollover form there for you to do that partial rollover.","start":2359.355,"end":2369.375,"sentiment":"neutral","sentiment_score":0.15305330387006202},{"text":"And then up to the the estate planning side of things, it is up to you at the end of the day should you, you know, want to implement that advice because I can't force you to.","start":2369.9148,"end":2378.11,"sentiment":"neutral","sentiment_score":0.1319414421513274},{"text":"Obviously, we can send out a copy of your beneficiary form to you just so","start":2378.11,"end":2382.35,"sentiment":"neutral","sentiment_score":0.12313010742266974}],"sentiment":"neutral","sentiment_score":0.14052080804693332,"channel":0,"num_words":97,"start":2354.15,"end":2382.35},{"sentences":[{"text":"Yep.","start":2382.3052,"end":2382.8052,"sentiment":"neutral","sentiment_score":0.14131775498390198}],"sentiment":"neutral","sentiment_score":0.14131775498390198,"channel":1,"num_words":1,"start":2382.3052,"end":2382.8052},{"sentences":[{"text":"you can sort of have that to fill out and which I might sort of get them to.","start":2382.35,"end":2385.55,"sentiment":"neutral","sentiment_score":0.10979332153995831},{"text":"Do you have access to a printer, or would you prefer just hard mail?","start":2385.55,"end":2388.37,"sentiment":"neutral","sentiment_score":0.01730036482747112}],"sentiment":"neutral","sentiment_score":0.06932765297824517,"channel":0,"num_words":32,"start":2382.35,"end":2388.37},{"sentences":[{"text":"I got a printer at work, so that's fine.","start":2390.88,"end":2392.64,"sentiment":"neutral","sentiment_score":0.07912207850151592},{"text":"If you email it to me, I'll just print it out there.","start":2392.64,"end":2394.98,"sentiment":"neutral","sentiment_score":0.10401746444404125}],"sentiment":"neutral","sentiment_score":0.0933480133258161,"channel":1,"num_words":21,"start":2390.88,"end":2394.98},{"sentences":[{"text":"Yep.","start":2394.995,"end":2395.315,"sentiment":"neutral","sentiment_score":0.16693326830863953},{"text":"I'll email you a copy of just the beneficiary form so you can sort of get that one updated there as well.","start":2395.315,"end":2400.215,"sentiment":"neutral","sentiment_score":0.1776505559682846},{"text":"Wait,","start":2401.955,"end":2402.2751,"sentiment":"neutral","sentiment_score":0.01887858659029007}],"sentiment":"neutral","sentiment_score":0.1705885035917163,"channel":0,"num_words":24,"start":2394.995,"end":2402.2751},{"sentences":[{"text":"And","start":2401.985,"end":2402.305,"sentiment":"neutral","sentiment_score":0.012657679617404938}],"sentiment":"neutral","sentiment_score":0.012657679617404938,"channel":1,"num_words":1,"start":2401.985,"end":2402.305},{"sentences":[{"text":"sir.","start":2402.2751,"end":2402.7751,"sentiment":"neutral","sentiment_score":0.01464899443089962}],"sentiment":"neutral","sentiment_score":0.01464899443089962,"channel":0,"num_words":1,"start":2402.2751,"end":2402.7751},{"sentences":[{"text":"so so for Netwealth, am I just sending it to the estate as well?","start":2402.305,"end":2406.385,"sentiment":"neutral","sentiment_score":0.007390851354492562},{"text":"Do I have that option?","start":2406.385,"end":2407.5051,"sentiment":"neutral","sentiment_score":0.0033784504979848863},{"text":"Or","start":2407.5051,"end":2407.95,"sentiment":"neutral","sentiment_score":0.00467301718890667}],"sentiment":"neutral","sentiment_score":0.006251859432086349,"channel":1,"num_words":20,"start":2402.305,"end":2407.95},{"sentences":[{"text":"Yeah.","start":2408.1802,"end":2408.5,"sentiment":"neutral","sentiment_score":0.03054075315594673},{"text":"It's just legal personal representative, and that will be the estate.","start":2408.5,"end":2412.04,"sentiment":"neutral","sentiment_score":0.0350178238004446},{"text":"Yep.","start":2412.1,"end":2412.6,"sentiment":"neutral","sentiment_score":0.07489562034606934}],"sentiment":"neutral","sentiment_score":0.037740956562069744,"channel":0,"num_words":13,"start":2408.1802,"end":2412.6},{"sentences":[{"text":"okay.","start":2413.31,"end":2413.81,"sentiment":"neutral","sentiment_score":0.11940880119800568},{"text":"Sweet.","start":2413.8699,"end":2414.3699,"sentiment":"neutral","sentiment_score":0.1400107443332672}],"sentiment":"neutral","sentiment_score":0.12970977276563644,"channel":1,"num_words":2,"start":2413.31,"end":2414.3699},{"sentences":[{"text":"Yep.","start":2416.595,"end":2417.075,"sentiment":"neutral","sentiment_score":0.1022377833724022},{"text":"And then, obviously, it gets directed there, and it'll be directed via will once you have that in place as well.","start":2417.075,"end":2422.435,"sentiment":"neutral","sentiment_score":0.08904533762307394},{"text":"Otherwise, it would just be up to, you know, whoever's trying to settle the estate with where the funds are and what's happening with that one.","start":2422.435,"end":2428.755,"sentiment":"neutral","sentiment_score":-0.032613998565536276},{"text":"If you don't have a will in place, it can get a little bit messy.","start":2428.755,"end":2431.19,"sentiment":"neutral","sentiment_score":-0.23169091641902922}],"sentiment":"neutral","sentiment_score":-0.037319648183054395,"channel":0,"num_words":63,"start":2416.595,"end":2431.19},{"sentences":[{"text":"Okay.","start":2432.365,"end":2432.7651,"sentiment":"neutral","sentiment_score":-0.0018808990716934204},{"text":"Yep.","start":2432.7651,"end":2433.2651,"sentiment":"neutral","sentiment_score":0.020430278033018112}],"sentiment":"neutral","sentiment_score":0.009274689480662346,"channel":1,"num_words":2,"start":2432.365,"end":2433.2651},{"sentences":[{"text":"Got it.","start":2434.05,"end":2434.87,"sentiment":"neutral","sentiment_score":0.009581271559000015},{"text":"And then, yeah, obviously, in regards to setting up a will there, you've either got to do, like, your post office will or establish that with a lawyer with the the will and power of attorney and things like that as well.","start":2435.17,"end":2444.55,"sentiment":"neutral","sentiment_score":0.0804560829308771},{"text":"But do you have any questions in regards to that at all, John?","start":2445.045,"end":2448.345,"sentiment":"neutral","sentiment_score":0.03345907852053642}],"sentiment":"neutral","sentiment_score":0.06725063240318968,"channel":0,"num_words":57,"start":2434.05,"end":2448.345},{"sentences":[{"text":"No.","start":2450.435,"end":2450.675,"sentiment":"neutral","sentiment_score":0.17320206761360168},{"text":"This this device is pretty thorough.","start":2450.675,"end":2453.495,"sentiment":"neutral","sentiment_score":0.3171842892964681},{"text":"I'll have to sit down and have a good read of it laid up, but I'm very, very happy to proceed.","start":2453.715,"end":2461.895,"sentiment":"positive","sentiment_score":0.46842468352544875},{"text":"Like, if if that's what you recommend, then I'm happy to go for it.","start":2462.23,"end":2466.4102,"sentiment":"positive","sentiment_score":0.6030532270669937}],"sentiment":"positive","sentiment_score":0.4846659841991606,"channel":1,"num_words":42,"start":2450.435,"end":2466.4102},{"sentences":[{"text":"Yeah.","start":2467.06,"end":2467.46,"sentiment":"positive","sentiment_score":0.42796456813812256},{"text":"It obviously is quite simple in terms of what the recommendation is.","start":2467.46,"end":2470.74,"sentiment":"positive","sentiment_score":0.43784930060307187},{"text":"We're looking at still keeping, you know, the active investment there and just pairing it with some passive ETFs and getting that moving forward and then just doing that retention strategy for your insurances currently until you get a chance to to doing that as well plus your estate planning matters.","start":2470.74,"end":2484.835,"sentiment":"neutral","sentiment_score":0.33207208005821004},{"text":"But as I said, we haven't run through, like, all the advantages, disadvantages.","start":2484.835,"end":2488.48,"sentiment":"neutral","sentiment_score":-0.010395040735602379},{"text":"I don't wanna keep you on the phone for three hours, but feel free to have a read through it, see if you have any questions, and come back with it.","start":2488.54,"end":2494.72,"sentiment":"neutral","sentiment_score":0.02646032576599429}],"sentiment":"neutral","sentiment_score":0.21576821136598787,"channel":0,"num_words":108,"start":2467.06,"end":2494.72},{"sentences":[{"text":"I'll send off","start":2494.86,"end":2495.42,"sentiment":"neutral","sentiment_score":0.117291954656442}],"sentiment":"neutral","sentiment_score":0.117291954656442,"channel":0,"num_words":3,"start":2494.86,"end":2495.42},{"sentences":[{"text":"Yep.","start":2495.3801,"end":2495.8801,"sentiment":"neutral","sentiment_score":0.14886274933815002}],"sentiment":"neutral","sentiment_score":0.14886274933815002,"channel":1,"num_words":1,"start":2495.3801,"end":2495.8801},{"sentences":[{"text":"an email with the budget planner and just they'll send off the beneficiary forms and things like that when they get a chance.","start":2495.42,"end":2500.56,"sentiment":"neutral","sentiment_score":0.1688967803898065}],"sentiment":"neutral","sentiment_score":0.1688967803898065,"channel":0,"num_words":23,"start":2495.42,"end":2500.56},{"sentences":[{"text":"Yep.","start":2500.9001,"end":2501.295,"sentiment":"neutral","sentiment_score":0.15273669362068176}],"sentiment":"neutral","sentiment_score":0.15273669362068176,"channel":1,"num_words":1,"start":2500.9001,"end":2501.295},{"sentences":[{"text":"And then, yeah, if you do have any questions for that, just reply to my email.","start":2501.325,"end":2504.625,"sentiment":"neutral","sentiment_score":0.1909382799640298},{"text":"Have read through it, see if there's any questions that do pop up.","start":2505.2449,"end":2508.065,"sentiment":"neutral","sentiment_score":0.22733943278972918},{"text":"And then if you're happy to sign it, then they'll get that implemented in the in the back end and get that all rolling once it comes through.","start":2508.205,"end":2513.64,"sentiment":"neutral","sentiment_score":0.3122971739087786}],"sentiment":"neutral","sentiment_score":0.2588551925462589,"channel":0,"num_words":57,"start":2501.325,"end":2513.64},{"sentences":[{"text":"Beautiful.","start":2514.575,"end":2515.075,"sentiment":"positive","sentiment_score":0.5782097578048706},{"text":"Well, in that case, I'm just waiting for it to sign now, and then you should be good to go.","start":2515.775,"end":2524.06,"sentiment":"positive","sentiment_score":0.4595581039786339}],"sentiment":"positive","sentiment_score":0.4652081827322642,"channel":1,"num_words":21,"start":2514.575,"end":2524.06},{"sentences":[{"text":"Not a problem.","start":2528.215,"end":2529.035,"sentiment":"neutral","sentiment_score":0.33103908101717633},{"text":"Obviously, if you do sort of see anything in that regarding that and any sort of changes or any concerns you might have, feel free to just reach out.","start":2529.175,"end":2536.215,"sentiment":"neutral","sentiment_score":0.21986230051723019},{"text":"Otherwise, if it is signed there, that will sort of start once they get that come through and sort of get on to it.","start":2536.215,"end":2542.5999,"sentiment":"neutral","sentiment_score":0.24001904018223286}],"sentiment":"neutral","sentiment_score":0.23445680218615703,"channel":0,"num_words":56,"start":2528.215,"end":2542.5999},{"sentences":[{"text":"Yep.","start":2543.995,"end":2544.315,"sentiment":"positive","sentiment_score":0.3800088167190552},{"text":"I've just signed it.","start":2544.315,"end":2545.43,"sentiment":"positive","sentiment_score":0.4946169778704643},{"text":"It's just come through as signed, so you should be golden.","start":2545.43,"end":2548.49,"sentiment":"positive","sentiment_score":0.5587015693837946}],"sentiment":"positive","sentiment_score":0.5315121244639158,"channel":1,"num_words":16,"start":2543.995,"end":2548.49},{"sentences":[{"text":"Maybe I'll just have a quick look and see if that one's popped back up.","start":2554.5151,"end":2557.655,"sentiment":"neutral","sentiment_score":0.037146044957141085},{"text":"It may just take a second to come through back to me","start":2560.675,"end":2564.115,"sentiment":"neutral","sentiment_score":0.03589408782621225}],"sentiment":"neutral","sentiment_score":0.036589619565617154,"channel":0,"num_words":27,"start":2554.5151,"end":2564.115},{"sentences":[{"text":"Yes.","start":2564.0051,"end":2564.5051,"sentiment":"neutral","sentiment_score":0.16218958795070648}],"sentiment":"neutral","sentiment_score":0.16218958795070648,"channel":1,"num_words":1,"start":2564.0051,"end":2564.5051},{"sentences":[{"text":"to say that it's fine.","start":2564.115,"end":2565.27,"sentiment":"neutral","sentiment_score":0.21167717278003692},{"text":"But that's not a problem at all.","start":2565.59,"end":2566.6301,"sentiment":"neutral","sentiment_score":0.3238352877753122},{"text":"If they do have any issues with it, they'll just contact you anyway then.","start":2566.6301,"end":2569.69,"sentiment":"neutral","sentiment_score":0.14705103582569531},{"text":"But,","start":2570.6301,"end":2571.1301,"sentiment":"neutral","sentiment_score":0.02649361453950405}],"sentiment":"neutral","sentiment_score":0.20038670349728177,"channel":0,"num_words":27,"start":2564.115,"end":2571.1301},{"sentences":[{"text":"Can","start":2570.89,"end":2571.39,"sentiment":"neutral","sentiment_score":0.014592841267585754}],"sentiment":"neutral","sentiment_score":0.014592841267585754,"channel":1,"num_words":1,"start":2570.89,"end":2571.39},{"sentences":[{"text":"otherwise, I'll let you get back to it.","start":2571.19,"end":2572.87,"sentiment":"neutral","sentiment_score":0.12295793928205967},{"text":"I don't wanna have you on the phone too long, and I'll let you sort of get ready for your your long trip there.","start":2572.87,"end":2577.11,"sentiment":"neutral","sentiment_score":-0.006527360839148362},{"text":"Maybe you can get away a bit earlier and sort of avoid some of the traffic, have a coffee in the other.","start":2577.11,"end":2581.05,"sentiment":"neutral","sentiment_score":0.007472862743518571},{"text":"But","start":2583.245,"end":2583.725,"sentiment":"neutral","sentiment_score":-0.006057422608137131}],"sentiment":"neutral","sentiment_score":0.017915498397567054,"channel":0,"num_words":55,"start":2571.19,"end":2583.725},{"sentences":[{"text":"I send","start":2583.6099,"end":2583.93,"sentiment":"neutral","sentiment_score":-0.01994394138455391}],"sentiment":"neutral","sentiment_score":-0.01994394138455391,"channel":1,"num_words":2,"start":2583.6099,"end":2583.93},{"sentences":[{"text":"otherwise","start":2583.725,"end":2584.225,"sentiment":"neutral","sentiment_score":-0.04114968329668045}],"sentiment":"neutral","sentiment_score":-0.04114968329668045,"channel":0,"num_words":1,"start":2583.725,"end":2584.225},{"sentences":[{"text":"this call?","start":2583.93,"end":2584.605,"sentiment":"neutral","sentiment_score":-0.013416898436844349}],"sentiment":"neutral","sentiment_score":-0.013416898436844349,"channel":1,"num_words":2,"start":2583.93,"end":2584.605},{"sentences":[{"text":"yeah.","start":2585.645,"end":2585.885,"sentiment":"neutral","sentiment_score":0.10052569210529327},{"text":"Otherwise, thanks for your time.","start":2585.885,"end":2587.165,"sentiment":"positive","sentiment_score":0.48721052408218385},{"text":"I know it has been a bit on the phone there, and I'll I'll let you get back to the afternoon.","start":2587.165,"end":2589.965,"sentiment":"neutral","sentiment_score":0.16171835185516448},{"text":"Good luck with the the cat.","start":2589.965,"end":2591.2651,"sentiment":"positive","sentiment_score":0.6309968034426371}],"sentiment":"neutral","sentiment_score":0.29450437945849967,"channel":0,"num_words":33,"start":2585.645,"end":2591.2651},{"sentences":[{"text":"Thank you very much, mate, and thank you very much for your advice and and your help.","start":2591.805,"end":2596.203,"sentiment":"positive","sentiment_score":0.8312878117841833}],"sentiment":"positive","sentiment_score":0.8312878117841833,"channel":1,"num_words":17,"start":2591.805,"end":2596.203},{"sentences":[{"text":"Not a problem at all.","start":2596.94,"end":2597.82,"sentiment":"positive","sentiment_score":0.5226577758789063},{"text":"Anytime, John, just reach out if you have any questions.","start":2597.82,"end":2600.64,"sentiment":"neutral","sentiment_score":0.3271498531103134}],"sentiment":"positive","sentiment_score":0.39231916069984435,"channel":0,"num_words":15,"start":2596.94,"end":2600.64},{"sentences":[{"text":"Will do.","start":2601.003,"end":2601.483,"sentiment":"positive","sentiment_score":0.5076197385787964},{"text":"Thank you very much, mate.","start":2601.483,"end":2602.8628,"sentiment":"positive","sentiment_score":0.7713802933692933}],"sentiment":"positive","sentiment_score":0.6960201348577227,"channel":1,"num_words":7,"start":2601.003,"end":2602.8628},{"sentences":[{"text":"No problem.","start":2602.94,"end":2603.58,"sentiment":"positive","sentiment_score":0.5930380523204803},{"text":"Enjoy now.","start":2603.58,"end":2604.3,"sentiment":"positive","sentiment_score":0.6746714115142822},{"text":"Bye.","start":2604.3,"end":2604.8,"sentiment":"positive","sentiment_score":0.4706144332885742}],"sentiment":"positive","sentiment_score":0.6012066721916198,"channel":0,"num_words":5,"start":2602.94,"end":2604.8},{"sentences":[{"text":"Will do.","start":2604.8428,"end":2605.243,"sentiment":"positive","sentiment_score":0.5449378490447998},{"text":"Thank you.","start":2605.243,"end":2605.6428,"sentiment":"positive","sentiment_score":0.6734500825405121},{"text":"Bye bye.","start":2605.6428,"end":2606.303,"sentiment":"neutral","sentiment_score":0.09829425439238548}],"sentiment":"positive","sentiment_score":0.4388940619925658,"channel":1,"num_words":6,"start":2604.8428,"end":2606.303}]},"summary":{"result":"success","short":"John from OCE Financial discusses his recent payroll changes and personal loan updates with OCE Financial representative Kyle. John's personal information is confirmed and updated, including his retirement and gross income. The speakers emphasize the importance of reviewing documents and confirming personal information for better financial standing. They also discuss various investment opportunities and risk profiles, including the possibility of investing in Ethical and the importance of maintaining a low investment risk profile. The speakers provide advice on managing expenses and creating a power of attorney for post office will packs, as well as setting up a will for beneficiaries and partial rollovers. They recommend setting up a power of attorney for post office will packs and provide options for partial rollovers."},"intents":{"segments":[{"text":"That's not a problem at all. I actually had a cancellation, so it works out alright for me. So it's pretty good. But just to jump into that there today there, John, if I could pass you through securities, that name, date of birth, and current address, we'll get stuck into that today. Yep.","start_word":29,"end_word":82,"intents":[{"intent":"Resolve insurance dispute","confidence_score":3.786685e-7}]},{"text":"That'll just have the same advice, the Oakview services guide and the financial services guide that have been updated in regards to that as well as the the appendix and also the PDFs for your current retail super fund you have here with us. So that'll come through there shortly as well just so we're able to run through those together. Alright.","start_word":317,"end_word":378,"intents":[{"intent":"Update guidance","confidence_score":0.00027544718}]},{"text":"They're very strict on their four payments. Like, as soon as I tap that card, the first payment's out the door. Even though the transaction hasn't cleared yet, it's already Yep. disappeared off my bank statement and gone. So but the the card max is a thousand dollars, so it won't get any higher than that. And that's a NAV after pay thousand dollar limit, and it's four payments?","start_word":1028,"end_word":1096,"intents":[{"intent":"Clarify payment details","confidence_score":0.0013579668}]},{"text":"Have you managed to save up a little bit more even though it's over the Christmas break, or is it still around the sort of $300 mark? No.","start_word":1169,"end_word":1196,"intents":[{"intent":"Discuss savings","confidence_score":0.22646528}]},{"text":"My savings is sitting at $20. It is understandable, everything that has gone on. But as long as you sort of focused on making sure that moving forward, yeah, you're still focusing on those debts. Obviously, you know, the unexpected ones that do come out in building that cash buffer, which I know you were already focused on. So that's good at least. Yeah.","start_word":1199,"end_word":1262,"intents":[{"intent":"Confirm understanding","confidence_score":0.02592055}]},{"text":"in regards to the email though there, John, did that one come through to be able to run through that there today?","start_word":1312,"end_word":1333,"intents":[{"intent":"Clarify communication","confidence_score":0.0001401071}]},{"text":"If you can open up that and then we can just run through that together in regards to the recommendation. It is a pretty straightforward sort of recommendation to what we are because I know you were largely happy with everything.","start_word":1341,"end_word":1381,"intents":[{"intent":"End conversation","confidence_score":0.026352948}]},{"text":"We're just reviewing your rollover retention and then also just having a look at your your investments there as well to make sure that that was still in your your best interest moving forward.","start_word":1383,"end_word":1416,"intents":[{"intent":"Review and review investments","confidence_score":0.018157525},{"intent":"Update and review retention strategy","confidence_score":0.0044240095}]},{"text":"As far as best interest to you to confirm confirm, we don't sort of make a recommendation with who feels gonna put you in a better position.","start_word":1687,"end_word":1713,"intents":[{"intent":"Confirm preference for specific positions","confidence_score":0.000008471377}]},{"text":"And if it was on your best interest, we did scope out the personal insurances.","start_word":1763,"end_word":1777,"intents":[{"intent":"Review personal insurances","confidence_score":0.62932867}]},{"text":"So once you do have a chance to get around to that, feel free to reach out, and we can review those personal insurances again as well, and if we can look at, like, full consolidation, things like that for you.","start_word":1823,"end_word":1863,"intents":[{"intent":"Review will","confidence_score":0.012092989}]},{"text":"I should have everything paid off, and then I can afford to pay all the doctors.","start_word":1887,"end_word":1902,"intents":[{"intent":"Rearrange medical bills","confidence_score":0.0000028709371}]},{"text":"In regards to your estate planning matters, I know you didn't sort of mention too much about it other than the fact that you do realize you do have to do a will, so we just put a recommendation in there.","start_word":1936,"end_word":1976,"intents":[{"intent":"Discuss estate planning","confidence_score":0.31184873}]},{"text":"There is the option to go down to, like, the post office and do the post office wills as well. Even though they're not the most ironclad things, at least you got something there at the end of the day as well. Alright.","start_word":2030,"end_word":2072,"intents":[{"intent":"Recommend post office visit","confidence_score":0.12710673}]},{"text":"as what's not considered here, I know we did mention budgeting, savings, go over that.","start_word":2077,"end_word":2091,"intents":[{"intent":"Discuss budgeting","confidence_score":0.39167023}]},{"text":"I'll send through as I said, I can't remember if I sent it through to you or not. I just a copy of, like, the OPU budget planner there. It's just a nice tool in order to plot out your expenses and monthly expenses just to track your income a little bit better there for you, and then moving forward there as well for your budgeting and saving.","start_word":2339,"end_word":2406,"intents":[{"intent":"Optimize budgeting","confidence_score":0.0044915224}]},{"text":"give you, like, your your negative or positive sort of cash flow. And you can play around with it a little bit and, you know, work things out a little bit better.","start_word":2620,"end_word":2651,"intents":[{"intent":"Optimize cash flow","confidence_score":0.012490353}]},{"text":"The next page over that on page 10, there you'll be able to see your current superannuation, estimated balances in regards to your net worth in your MLC plus your MLC group cover.","start_word":2923,"end_word":2955,"intents":[{"intent":"Review and review assets","confidence_score":0.015716616}]},{"text":"As far as the risk risk profile is concerned there, you did score high growth for keeping you within high growth, so there's not much of a change there. But do you have any questions in regards to your risk profile or the split between growth or defensive assets?","start_word":3044,"end_word":3092,"intents":[{"intent":"Discuss risk profile","confidence_score":0.049749527},{"intent":"Discuss risk split","confidence_score":0.02067792},{"intent":"Discuss economics","confidence_score":0.00014422864}]},{"text":"In regards to to that one there, the Benelung Fund's the main one we're concerned about with what occurred with that one and changing that one out. Obviously, the portfolio updates a bit of a refresh in general just to get things, you know, more in line with Oakview's investment philosophy moving forward and having Mhmm. a bit of an update there for you at the end of the day there as well.","start_word":3310,"end_word":3382,"intents":[{"intent":"Update portfolio and maintain investment","confidence_score":0.000118314165}]},{"text":"In regards to to that one as well and changing the investment, not only will it reduce investment cost there for you moving forward, it will also remove that underperforming Benelon, which is a bit of a sore spot in regards to your investment growth.","start_word":3562,"end_word":3606,"intents":[{"intent":"Evaluate investment benefits","confidence_score":0.0039387126}]},{"text":"Do you still have access to the the balance in the MLC I believe the TPA might be expired. So with that one, we can update that TPA, and then we can look at getting the updated balances, but still would have still? to sorta do the form.","start_word":3761,"end_word":3808,"intents":[{"intent":"Update tpa","confidence_score":0.06605542}]},{"text":"The current balance as it stands at the moment is $23,903.37.","start_word":3984,"end_word":3994,"intents":[{"intent":"Clarify asset status","confidence_score":0.000019063693}]},{"text":"If the markets do change slightly while you're in a cash position, it can sort of have a a bit of a negative impact there as well with those percentages that it could rise or fall. Okay.","start_word":4401,"end_word":4437,"intents":[{"intent":"Analyze market trends","confidence_score":0.0018995057}]},{"text":"With the investment changes, we're looking at just updating the portfolio to be a bit more in line with what is happening, having a little bit less of an allocation to those managed funds.","start_word":4884,"end_word":4917,"intents":[{"intent":"Update portfolio and reflect","confidence_score":0.0009923109}]},{"text":"So when that did poorly, it obviously affected your portfolio quite heavily.","start_word":5154,"end_word":5165,"intents":[{"intent":"Clarify portfolio exposure","confidence_score":0.0043317997}]},{"text":"In regards to that risk profile, as I was saying, we aim for that ninety ten split. If you do look Yep.","start_word":5844,"end_word":5865,"intents":[{"intent":"Evaluate risk profile","confidence_score":0.0058492576}]},{"text":"Obviously, with the rollover from MLC to Netwealth, you will have more funds going into the Netwealth that will result in slightly higher administration adviser fees in that fund, but it'll also reduce administration costs in your the fund that for MLC because it has less of a balance.","start_word":6087,"end_word":6135,"intents":[{"intent":"Highlight fund benefits","confidence_score":0.00010708343}]},{"text":"It does seem that there has been a bit of a a formatting error there, so apologies for that one. That's right.","start_word":6480,"end_word":6501,"intents":[{"intent":"Apologize for formatting error","confidence_score":0.3298571}]},{"text":"In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination.","start_word":6502,"end_word":6533,"intents":[{"intent":"Explain benefits of being a valid dependent","confidence_score":0.0032310465},{"intent":"Explain eligibility of beneficiaries","confidence_score":0.0016343674},{"intent":"Clarify need for additional funds","confidence_score":0.000003727524}]},{"text":"In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination. We are just recommending that you nominate the legal person representative.","start_word":6502,"end_word":6544,"intents":[{"intent":"Recommend beneficiary nominations","confidence_score":0.11183661},{"intent":"Provide information about beneficiary nomination recommendation","confidence_score":0.001026806}]},{"text":"In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination. We are just recommending that you nominate the legal person representative. So once you do a will, that will means it will go to your state.","start_word":6502,"end_word":6559,"intents":[{"intent":"Clarify confirmation of beneficiary nominations","confidence_score":0.00023643699}]},{"text":"So with that one, the benefits are, It doesn't actually pay the the Medicare levy when going to the estate, which is nice.","start_word":6560,"end_word":6582,"intents":[{"intent":"Explain benefits of receiving a will","confidence_score":0.00015001603}]},{"text":"Obviously, in conjunction with that, we are recommending you do establish a will.","start_word":6943,"end_word":6955,"intents":[{"intent":"Recommend establishment of will","confidence_score":0.0028578932}]},{"text":"Obviously, in conjunction with that, we are recommending you do establish a will. Like I said, there are options out there for, like, the, you know, post office will pack.","start_word":6943,"end_word":6972,"intents":[{"intent":"Discuss post office options","confidence_score":0.02191648}]},{"text":"And then within regards to that, if you do seek a lawyer as well, you can establish a power of attorney.","start_word":7052,"end_word":7072,"intents":[{"intent":"Seek assistance with power of attorney","confidence_score":0.00008367276},{"intent":"Confirm understanding of power of attorney","confidence_score":0.013429483},{"intent":"Offer options for attorneys","confidence_score":0.00053405436}]},{"text":"As far as remuneration's concerned, they've agreed to keep you on the 1.1<unk> ongoing fee there.","start_word":7287,"end_word":7302,"intents":[{"intent":"Encourage co-ordination of decisions and remunerations","confidence_score":9.8274725e-8}]},{"text":"I can't say for the the next interview what that might be. They might look at bumping it back up to the 1.65, but I managed to keep it to the 1.1 for you there. I appreciate it. Thank you.","start_word":7354,"end_word":7393,"intents":[{"intent":"Schedule call","confidence_score":0.00017175946}]},{"text":"Obviously, we can send out a copy of your beneficiary form to you just so Yep.","start_word":7476,"end_word":7491,"intents":[{"intent":"Update beneficiary form","confidence_score":0.08771774}]},{"text":"And then, yeah, obviously, in regards to setting up a will there, you've either got to do, like, your post office will or establish that with a lawyer with the the will and power of attorney and things like that as well. But do you have any questions in regards to that at all, John? No.","start_word":7674,"end_word":7729,"intents":[{"intent":"Set up will","confidence_score":0.14962578}]},{"text":"This this device is pretty thorough. I'll have to sit down and have a good read of it laid up, but I'm very, very happy to proceed. Like, if if that's what you recommend, then I'm happy to go for it. Yeah.","start_word":7729,"end_word":7770,"intents":[{"intent":"Proceed with recommendation","confidence_score":0.084657654}]},{"text":"an email with the budget planner and just they'll send off the beneficiary forms and things like that when they get a chance.","start_word":7882,"end_word":7904,"intents":[{"intent":"Send email with will and beneficiary forms","confidence_score":0.00035364492}]},{"text":"Well, in that case, I'm just waiting for it to sign now, and then you should be good to go. Not a problem.","start_word":7964,"end_word":7986,"intents":[{"intent":"Verify sign-on","confidence_score":0.00006971507}]},{"text":"Obviously, if you do sort of see anything in that regarding that and any sort of changes or any concerns you might have, feel free to just reach out. Otherwise, if it is signed there, that will sort of start once they get that come through and sort of get on to it.","start_word":7987,"end_word":8039,"intents":[{"intent":"Update on sign-up","confidence_score":0.000015469011}]}]},"sentiments":{"segments":[{"text":"Hello. John speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05825617536902428},{"text":"Good afternoon, John.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.44275909662246704},{"text":"It's Kyle calling from OCE Financial. How are you today?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.3021024465560913},{"text":"Thank you very much, and thank you for calling me slightly earlier.","start_word":16,"end_word":27,"sentiment":"positive","sentiment_score":0.6891227960586548},{"text":"No. That's not a problem at all. I actually had a cancellation, so it works out alright for me.","start_word":28,"end_word":46,"sentiment":"neutral","sentiment_score":0.29640287160873413},{"text":"So it's pretty good.","start_word":47,"end_word":50,"sentiment":"positive","sentiment_score":0.6206023693084717},{"text":"But just to jump into that there today there, John, if I could pass you through securities, that name, date of birth, and current address, we'll get stuck into that today. Yep. So my name is John Samuel Anderson. My date of birth is the 08/25/1987, and my address is Unit 3948 Eucalyptus Drive, Maidstone, Victoria 3012. Perfect.","start_word":51,"end_word":108,"sentiment":"neutral","sentiment_score":0.11034052073955536},{"text":"Thanks for that on there, John.","start_word":109,"end_word":114,"sentiment":"positive","sentiment_score":0.5947868824005127},{"text":"Now as you're aware, it obviously has been a little bit since we last spoke, so I do apologize for the wait. Obviously, the end of last year and a few business changes, it's just taken a second to to get through the backlog and get things rolling again Yep. with changing CRMs and everything. So I do apologize for the wait there. Just to confirm, though, since we did last speak, has there been any significant changes in regards to your circumstances? I know you're mainly focused on paying down your your personal loan, but any changes like occupation, things like that or anything? No. Job's the same. I've been like, I think last year, I got a, what, a CPI pay increase. Okay. Nice. What sort are you sitting on at the moment in regards to gross income? Let me see. August. Sorry. I'll just pull it up on my payslip. That's not a problem. Just while you're doing that too, John, can I confirm that your email is still John.sa@Outlook.com? That's the one. Yeah.","start_word":115,"end_word":291,"sentiment":"neutral","sentiment_score":-0.05767122656106949},{"text":"Perfect.","start_word":292,"end_word":292,"sentiment":"positive","sentiment_score":0.4286572337150574},{"text":"Because that's what I'll be sending through those documents there today just to get a a start on that. So they're coming through. That'll just have the same advice, the Oakview services guide and the financial services guide that have been updated in regards to that as well as the the appendix and also the PDFs for your current retail super fund you have here with us. So that'll come through there shortly as well just so we're able to run through those together. Alright. Sorry. Excluding Super, I'm on $76,786. Yep. And then you just get the the 12%, obviously? Yes. I think the total package is 80,000 flat. Or might oh, it might be 86. Okay. So I I did have, don't know. like, gross at 86 including the superannuation the last time we spoke. So I can depend on. Yeah. I don't remember exactly. I know I know it's, like, the mandatory percentage. yep. Because because my firm only talks in terms of, you know, all inclusive, Okay.","start_word":293,"end_word":463,"sentiment":"neutral","sentiment_score":0.07484140957308094},{"text":"which is super annoying because I sit down in my meeting and I pull up a website to tell me how much you're getting paid per fortnight.","start_word":464,"end_word":490,"sentiment":"negative","sentiment_score":-0.5558494925498962},{"text":"I'm like, Yeah. No. Under understandable there. I'll just do a quick calculation based on that. So it's $7.06 700, basically. Yes. It does come out to around the $80.86 mark. Maybe the last time we did speak, it was after you had that CPI increase before. So Yeah. that's Because fine. the, yeah, because the pay increase takes effect 1. Oh, okay. Yeah. We I think we did speak around the July, I think, even, please. Yeah. Twenty seventh of the 2025. So that would have been, yeah, just after your pay increase there. So that does sound about right in terms of, like, what you are getting there. Any other sort of major updates there, John? My my cat just came out of surgery, so I just I'm just about to pick up about $2 of no interest debt. Okay. Yep. And is that how much did you manage to pay down on your your personal loan that you had previously? I unfortunately, he's still hanging around asking for cigarettes, Yep. and he the loan is down to $2,784.87.","start_word":491,"end_word":671,"sentiment":"neutral","sentiment_score":-0.02508103847503662},{"text":"That's quite a significant whack that's still come off there given that you were, like, you know, over Christmas and everything, probably, you know, a little bit more lax with the budgeting than more so. Unfortunate, obviously, you know, that the vet bill is probably gonna bump that back up in terms of, like, your total level of debt.","start_word":672,"end_word":730,"sentiment":"negative","sentiment_score":-0.6089879274368286},{"text":"Sorry to hear Yeah. about the cat, but, obviously, you know, it's still around given the vet bill. So that's a bit of a positive there for you at the end of the day, even though the wallet probably doesn't agree with you there. Yeah. And she had I found out that cats have 32 teeth, Okay. and they've had to rip out all but six of them. So Well, that's why the vet bill's so high. is this due to like a old age type thing or No. My when I first got my cat at about five months, she already had, like, dental gum issues, Okay. and now it's gotten to two years old.","start_word":731,"end_word":846,"sentiment":"neutral","sentiment_score":-0.1936793476343155},{"text":"And the efforts that I've tried to put in the cleanup clean up what's going on in her mouth has not worked.","start_word":847,"end_word":868,"sentiment":"negative","sentiment_score":-0.3423444926738739},{"text":"But it's okay.","start_word":869,"end_word":871,"sentiment":"neutral","sentiment_score":0.04861849173903465},{"text":"She'll still lead a full life.","start_word":872,"end_word":877,"sentiment":"positive","sentiment_score":0.4048791825771332},{"text":"It's just wet food and pate for the rest of her days. Cool. Look, honestly, doesn't sound like a bad laugh to me. But No. yeah. No.","start_word":878,"end_word":904,"sentiment":"neutral","sentiment_score":0.15240071713924408},{"text":"That's lovely wet food.","start_word":905,"end_word":908,"sentiment":"positive","sentiment_score":0.4782644212245941},{"text":"So Exactly. So no no fail. Obviously, the vet bill is not fantastic, but nice full life ahead then. But if that's all in regards to updates, it doesn't affect the advice piece majorly in terms of, like, the changes that have occurred there. Yeah. I know you did have, like, a little bit of Afterpay and a bit of savings there as well. I'm assuming have you managed to get rid of the Afterpay, though? No. Well, I've I've I've gotta put on the the gap. So there's so the no interest line is 2,000. Yep. I'm looking at a gap of about $300. So I'm gonna have to slap that on there. Okay. Yep. But it's NAB. They're very strict on their four payments. Like, as soon as I tap that card, the first payment's out the door. Even though the transaction hasn't cleared yet, it's already Yep.","start_word":909,"end_word":1058,"sentiment":"neutral","sentiment_score":-0.06018301136791706},{"text":"disappeared off my bank statement and gone.","start_word":1059,"end_word":1065,"sentiment":"negative","sentiment_score":-0.3604133129119873},{"text":"So but the the card max is a thousand dollars, so it won't get any higher than that. And that's a NAV after pay thousand dollar limit, and it's four payments? Yes. Yeah. Yeah. It'll just be the four repayments, and then that's and then that's done. So I'll probably be focusing on that and then going back to the personal loan again. As far as the no interest loan goes, it's only $38 a fortnight, so I'll just let that Yep. And then as far as the savings, I know tick. you had a little bit in in regards to savings there. Have you managed to save up a little bit more even though it's over the Christmas break, or is it still around the sort of $300 mark? No. Unfortunately not. My savings is sitting at $20. It is understandable, everything that has gone on. But as long as you sort of focused on making sure that moving forward, yeah, you're still focusing on those debts. Obviously, you know, the unexpected ones that do come out in building that cash buffer, which I know you were already focused on. So that's good at least. Yeah. Well, hopefully, that's it for the vet for Yeah. a little while. Well, at least the benefit of that is is that there's not too many more teeth to go if it does come down to that. So fingers crossed there for you. Yeah. It's not But a current. in regards to the email though there, John, did that one come through to be able to run through that there today? Yes. From a mister Giddings. Yes. Correct. If you can open up that and then we can just run through that together in regards to the recommendation.","start_word":1066,"end_word":1360,"sentiment":"neutral","sentiment_score":0.059010546654462814},{"text":"It is a pretty straightforward sort of recommendation to what we are because I know you were largely happy with everything.","start_word":1361,"end_word":1381,"sentiment":"positive","sentiment_score":0.4083143174648285},{"text":"We're just reviewing your rollover retention and then also just having a look at your your investments there as well to make sure that that was still in your your best interest moving forward. I know we had the discussion around Benelon and what was occurring with that as well. So we're Yes. just doing a little update in regards to that. But as soon as you get a chance to open that up, we could run through that And what time do you have to leave? Do you have to leave shortly? Because I can make it a little bit quicker, and you have can have a chance to run through it in your spare time once you're you're home again. I'm just gonna get to North Melbourne by 06:00, which is about a half an hour drive, and I'll be going against peak hour traffic. So so 05:30 is probably the latest I wanna leave. That's an Okay. hour and a half. Is that gonna Not be enough a time? yeah. That'll that'll be plenty of time. I'll even try and make it a little bit quicker. I know you don't wanna sort of run out the door. As I said, it is a quite a straightforward piece. I'll make sure to go through over the key points there for you. Probably only Yeah. take about another sort of twenty, thirty minutes. So depending on how many questions you might have just to cover the key points there. I'm not gonna read it word for word because I don't wanna put you to sleep on the other end there, but we'll touch on everything. So as far as the documents that was created for you by myself, Kyle, getting as an authorized representative under Oakview Financial with here as the team as well.","start_word":1382,"end_word":1686,"sentiment":"neutral","sentiment_score":0.07051202654838562},{"text":"As far as best interest to you to confirm confirm, we don't sort of make a recommendation with who feels gonna put you in a better position.","start_word":1687,"end_word":1713,"sentiment":"negative","sentiment_score":-0.4305030405521393},{"text":"As far as what we did consider there, I know you just wanted, yeah, as I said, review the the superannuation, make sure it was still getting nice returns while you're younger Mhmm. and contributing there. So Yep. with that, we had a review of the retention strategy. And if it was on your best interest, we did scope out the personal insurances. I know you were still yet to go about your your sleep apnea and do all your blood tests and everything in a a later date. You're gonna get that sorted. Obviously, you know, it sounds like life's still being quite busy for you as well. So once you do have a chance to get around to that, feel free to reach out, and we can review those personal insurances again as well, and if we can look at, like, full consolidation, things like that for you. Yep. Yep. Okay.","start_word":1714,"end_word":1866,"sentiment":"neutral","sentiment_score":0.061739395792577784},{"text":"That sounds good. I'm hoping that's next financial year.","start_word":1867,"end_word":1875,"sentiment":"positive","sentiment_score":0.5020074248313904},{"text":"Next financial I'm year.","start_word":1876,"end_word":1879,"sentiment":"neutral","sentiment_score":0.21832680702209473},{"text":"hoping. Perfect. That that that's my goal. I should have everything paid off, and then I can afford to pay all the doctors.","start_word":1880,"end_word":1902,"sentiment":"positive","sentiment_score":0.4478826820850372},{"text":"Yep. Understandable. I don't want you to sort of go backwards financially if you're sort of happy with how everything is ticking along and focusing on that debt first. So that's good there. In regards to your estate planning matters, I know you didn't sort of mention too much about it other than the fact that you do realize you do have to do a will, so we just put a recommendation in there. Obviously, we're not lawyers, so we can't look at writing up the will for you. We can look at, obviously, you know, how you might structure and things like that. But given that you sort of, know, don't have the craziest estate, it should be quite a straightforward process and will for you. There is the option to go down to, like, the post office and do the post office wills as well. Even though they're not the most ironclad things, at least you got something there at the end of the day as well. Alright. As far Yep. Yep. as what's not considered here, I know we did mention budgeting, savings, go over that. I know you were just mainly focused on paying down the personal loan, but, obviously, you know, that's changed a little bit in regards to what you are paying off with the the personal loan and the the vet bill there as well.","start_word":1903,"end_word":2134,"sentiment":"neutral","sentiment_score":0.03157425299286842},{"text":"It's good that you're not paying interest on that one compared to, like, the debt you previously had.","start_word":2135,"end_word":2152,"sentiment":"positive","sentiment_score":0.4904561638832092},{"text":"So as long as you're sort of mindful on what debt you're trying to pay down additionally, obviously, you wanna potentially focus on the ones that are occurring interest if you are making Yeah. additional repayments, as well as the ones that have those those timelines for the, you know, the four payments for your Afterpay one with NAB there.","start_word":2153,"end_word":2212,"sentiment":"neutral","sentiment_score":0.232626810669899},{"text":"Yep. In regards to that debt management there as well and what you're still trying to do that, you're happy managing yourself for now. And then, obviously, travel plans and things like that and planning that out, savings, budgeting for that as well.","start_word":2213,"end_word":2255,"sentiment":"positive","sentiment_score":0.463059276342392},{"text":"It's all been scoped out, but we're aware of it for, like, later dates and things like that. And I can't remember the last time we spoke at all there. John, did you receive a copy of the budget planner? Did I send that through to you just to have for your own reference to be able to utilize? I haven't I mean, I've been receiving regular emails about what's going on in the economy and stuff, but Yep. that's about it. Okay. I'll send through as I said, I can't remember if I sent it through to you or not. I just a copy of, like, the OPU budget planner there.","start_word":2256,"end_word":2367,"sentiment":"neutral","sentiment_score":0.045685578137636185},{"text":"It's just a nice tool in order to plot out your expenses and monthly expenses just to track your income a little bit better there for you, and then moving forward there as well for your budgeting and saving.","start_word":2368,"end_word":2406,"sentiment":"positive","sentiment_score":0.3869909346103668},{"text":"Obviously, you know, things like the vet bill obviously come out of the blue and you can't really prepare for things like that. But things, Yeah. you know, like, Red Joe and like the, you know, the weekly expenses or monthly expenses in regards to, you know, Netflix and stuff like that.","start_word":2407,"end_word":2458,"sentiment":"neutral","sentiment_score":0.03312869742512703},{"text":"It's nice to, one, put it all on a piece of paper to see where you might be able to, you know, cut back in regards to some discretionary spending, but also just to be able to prepare for those other bills there as well.","start_word":2459,"end_word":2503,"sentiment":"positive","sentiment_score":0.3603649437427521},{"text":"So you're not sort of in, like, a never ending cycle of, like, you think you've got through, and then you've gotten, like, another payment that's come out of nowhere. Yeah.","start_word":2504,"end_word":2534,"sentiment":"neutral","sentiment_score":-0.003582026809453964},{"text":"That'll be good because I I just use a spreadsheet and list everything at the moment.","start_word":2535,"end_word":2550,"sentiment":"positive","sentiment_score":0.45708033442497253},{"text":"Yeah. It is very similar. It's like an Excel spreadsheet document, but it's, like a Yep.","start_word":2551,"end_word":2566,"sentiment":"neutral","sentiment_score":0.27072492241859436},{"text":"a bit, you know, fancier. It's put together to where it calculates it all for you manually, and you don't have to worry about trying to work your your hand in Excel. You can just put it all in there, change a few things around in regards to what's what, and it'll Yep.","start_word":2567,"end_word":2619,"sentiment":"positive","sentiment_score":0.3604235351085663},{"text":"give you, like, your your negative or positive sort of cash flow.","start_word":2620,"end_word":2631,"sentiment":"neutral","sentiment_score":0.17460885643959043},{"text":"And you can play around with it a little bit and, you know, work things out a little bit better.","start_word":2632,"end_word":2651,"sentiment":"positive","sentiment_score":0.3523108959197998},{"text":"Do, you know, have have double in the barefoot investor and things like that with the five accounts and, you know, splitting up your money. Those are all sort of ways that you can sort of look to to budget a bit better in regards to, like, your discretionary daily expenses and sort of bills and things like that as well. Yep. Yep.","start_word":2652,"end_word":2714,"sentiment":"neutral","sentiment_score":0.1706153154373169},{"text":"That sounds good.","start_word":2715,"end_word":2717,"sentiment":"positive","sentiment_score":0.4017242193222046},{"text":"I'll bite you. Yeah.","start_word":2718,"end_word":2721,"sentiment":"neutral","sentiment_score":0.14022377133369446},{"text":"Perfect.","start_word":2722,"end_word":2722,"sentiment":"positive","sentiment_score":0.3700246810913086},{"text":"Now as far as the advice to you, it's basically quite simple. It's partially roll over the MLC superannuation fund to the Netwealth account you do hold, retaining the minimum much like your original advice, and Yeah. then changing the underlying investments within Netwealth. And then also a recommendation to put some beneficiary nominations in force, establish your will, and establish your power of attorney there as well. So on Yeah. page eight, you'll be able to see your details there. So just feel free to confirm that they are all correct. Same with over the page of assets and liabilities. Obviously, that's changed slightly since we since we last spoke, but it shouldn't affect the advice piece much at all because we're not doing any sort of cash flow and budgeting advice, things like that. Yep. Office of an assistant, '86. Yep. 38. Oh, I'll be 39 this year. Damn. Yep. Never ending March of time, unfortunately. That and COVID, I feel like, took a few years from all of us, so I don't I don't try to count That's that's those honestly as fair enough. much. Yeah. I got that. Yeah. Yeah. Yeah.","start_word":2723,"end_word":2917,"sentiment":"neutral","sentiment_score":0.05023073752721151},{"text":"Those look right. Yeah. Perfect.","start_word":2918,"end_word":2922,"sentiment":"positive","sentiment_score":0.46806231141090393},{"text":"The next page over that on page 10, there you'll be able to see your current superannuation, estimated balances in regards to your net worth in your MLC plus your MLC group cover. As I said, can review that in future. I know you're just focusing on the the debt there first. So once you get around to those doctor's appointments and things like that and get, you know, clear or not or at least a diagnosis, we can definitely review and start that process again when you got a bit of time to just see what Yeah. retail cover is available and what the pricing sort of looks like Yep. or Of even course. transfer terms and things like that. As far as the risk risk profile is concerned there, you did score high growth for keeping you within high growth, so there's not much of a change there. But do you have any questions in regards to your risk profile or the split between growth or defensive assets? I well, I know I know I know defensive assets tend to earn less, you know, higher risk car higher reward, but also higher losses. Yeah. That's that's about as familiar as I am with them. And I know because I've still got what the way government's going, probably thirty, forty years of working life left. Yep. Yeah. That that that that's why I was kinda like, yeah. Yeah. High growth. High growth. Because I'm like, I still got forty years, maybe. That, you know, that's sort of the way to look at at the end of the day there as well is that, like, over the shorter period of time, those high growth investments, like you said, quite volatile in the sense that they do have a lot of the ups and the downs, much like even now with what's occurring with the war with Iran. But, you know, twenty years from now, holding those growth assets, they do tend to finish quite well up over, like, a span of twenty to thirty years as opposed to, you know, other investments even with things like, you know, what did occur with COVID. Obviously, it took quite a good dive and then it's come back from that one. And, obviously, now it's taken, like, another dive. Yep. In regards to to that one there, the Benelung Fund's the main one we're concerned about with what occurred with that one and changing that one out. Obviously, the portfolio updates a bit of a refresh in general just to get things, you know, more in line with Oakview's investment philosophy moving forward and having Mhmm. a bit of an update there for you at the end of the day there as well. I know you still wanted to maintain the the similar sort of, you know, having somewhat active investment within your portfolio and not going to the passive.","start_word":2923,"end_word":3409,"sentiment":"neutral","sentiment_score":0.07189930992074754},{"text":"So we've looked at keeping that for you, and I'll I'll run over that as well. But, yeah, you're about 90% growth assets still and about 10% defensive is what you aim for, and you're pretty in line with that with the new recommendation there as well, Beautiful. if that makes sense.","start_word":3410,"end_word":3461,"sentiment":"positive","sentiment_score":0.3835695683956146},{"text":"So as far as the the best interest, obviously, we're looking at keeping the 10,000 retained in in MLC. Obviously, keep your contributions going there. Each year, we'll sort of do a review and assess all of it's relevant to or a viable strategy to maintain that retention strategy, much like we've done. In Yep. regards to having the two funds, you know, Netwealth, obviously, was outperforming the the MLC in regards to those returns and having the more visibility, having access to the service there as well.","start_word":3462,"end_word":3549,"sentiment":"neutral","sentiment_score":0.2192600816488266},{"text":"All reasons we've kept you in the the Netwealth account there.","start_word":3550,"end_word":3560,"sentiment":"positive","sentiment_score":0.342827171087265},{"text":"Yep. In regards to to that one as well and changing the investment, not only will it reduce investment cost there for you moving forward, it will also remove that underperforming Benelon, which is a bit of a sore spot in regards to your investment growth.","start_word":3561,"end_word":3606,"sentiment":"neutral","sentiment_score":0.1423776000738144},{"text":"But overall, it'll be a balance of ETFs and those managed funds to aim for those sort of not just the the long term growth, but also the ability to try and outperform the markets there with that managers and asset managers to try and, obviously, beat what the markets are doing as well for you.","start_word":3607,"end_word":3662,"sentiment":"positive","sentiment_score":0.4089133441448212},{"text":"Yep.","start_word":3663,"end_word":3663,"sentiment":"neutral","sentiment_score":0.310120165348053},{"text":"Yep. That sounds good.","start_word":3664,"end_word":3667,"sentiment":"positive","sentiment_score":0.5406650304794312},{"text":"Yep. So approximately based on those balances, 12,000 would be rolled over into your Netwealth account, and 10,000 would be retained in the MLC. Obviously, we haven't got the forms in here with Netwealth to do stuff to do the rollover form. So once we sort of if you're happy with everything, the team would probably contact you and then just organize the form to be able to complete that rollover. As far as the investment changes as well, that can just be completed in the background. Yep. But the benefit wait. Sorry. Do you still have access to the the balance in the MLC I believe the TPA might be expired. So with that one, we can update that TPA, and then we can look at getting the updated balances, but still would have still? to sorta do the form. But if you don't wanna sorta have to log in and things like that, we can just get there. I can make a note of here to send you that TPA now so that I can check that balance for you. Yeah. Because because I'm I'm just about to log in to MLC now. Just think that you wanted to know what the update balance was, but I'm happy to fill out any forms that you by any permission slips and whatnot you might want. Yeah. So it'll just be the rollover form. And then just to confirm sort of, like, once that's happening, if you are happy with everything, they'll just get the most up to date balance because with what's happening in the market, obviously, if you dropped a little bit and we just do the rollover that's based on that figure, then you might sort of be left less than the the 10,000. So that's what we'd wanna confirm at that time, if that makes sense. Yeah. Yeah. Yeah. Of course. The current balance as it stands at the moment is $23,903.37.","start_word":3668,"end_word":3993,"sentiment":"neutral","sentiment_score":0.13382160933288328},{"text":"Perfect. That should be let me just double check based on the figures.","start_word":3994,"end_word":4006,"sentiment":"positive","sentiment_score":0.4081152081489563},{"text":"Yeah. So quite similar. It's actually going up a little bit. I'm assuming you've had a work contribution going probably in that time frame. Yeah. Probably Systar. Oh, god.","start_word":4007,"end_word":4035,"sentiment":"neutral","sentiment_score":0.033966269344091415},{"text":"That's all the negatives. Unfortunately, that is the what has been occurring at the moment with everything that has happened. Not the the most ideal scenario.","start_word":4036,"end_word":4061,"sentiment":"negative","sentiment_score":-0.43545812368392944},{"text":"Yeah. Last contribution But was in January. okay. Yeah. No. Makes sense. But that's a good thing anyway with the contributions going in even if it drops a tiny bit there. You'll still have those contributions going in to ensure those insurances remain active in the the interim. Yep.","start_word":4062,"end_word":4110,"sentiment":"neutral","sentiment_score":0.18738295137882233},{"text":"As far as the the benefits of this, obviously, it's in line with your your risk profile. It has a mix of passive and active investments, which you still wanted. And then by partially rolling over in the the future and that you will sort of reduce the the overall fees between the the two being split up with two different balances there having it, you know, more consolidated compounding towards your retirement goals there as well as well as remaining a a client there at Oakview Financial and the services that do come with that as well.","start_word":4111,"end_word":4208,"sentiment":"positive","sentiment_score":0.3623253107070923},{"text":"Yep. Obviously, in regards to risk, there's always risk that, you know, the recommended investments don't perform as well just given that, you know, impartially, the investments are the one things that aren't guaranteed in terms of, like, guarantees with providing a service, unfortunately, because no one's got that crystal ball. I couldn't tell you what Trump's doing tomorrow, let alone yesterday. He's gonna you know, go goes much by the beat Mhmm. of his own drum. So with that, that all does play effects into what happens in the market within the short term there. Obviously, in the long term, it has less of an impact in terms of, like, the longer term growth, but short term, it can have a lot of volatility impact. Yep. Now with in regards to with that volatility at the moment there, you may forego some potential sort of investment growth if the market was to sort of change in the time frame that you were switching over those investments with the changes. And then with that, it can also go the other way there as well, but that's something to be mindful of that.","start_word":4209,"end_word":4400,"sentiment":"neutral","sentiment_score":-0.2502653239450107},{"text":"If the markets do change slightly while you're in a cash position, it can sort of have a a bit of a negative impact there as well with those percentages that it could rise or fall.","start_word":4401,"end_word":4436,"sentiment":"negative","sentiment_score":-0.505952775478363},{"text":"Okay. Yep. We did consider, obviously, leaving everything as is and not changing anything, but, obviously, you know, the MLC fund's not performing that well either. In regards to that, net wealth obviously has the better reporting.","start_word":4437,"end_word":4473,"sentiment":"neutral","sentiment_score":-0.07921723276376724},{"text":"It has the access to more flexible arrangements in regards to advice strategies there as well. And then in regards to investment change, it will save you investment fees moving forward.","start_word":4474,"end_word":4504,"sentiment":"positive","sentiment_score":0.3750617206096649},{"text":"Yeah. We also did Fine.","start_word":4505,"end_word":4509,"sentiment":"neutral","sentiment_score":0.30439573526382446},{"text":"consider moving all the way back to to MLC, do that comparison, but it just worked out over a long term position. It will put you in a better position having the Netwealth account there and access to our service there as well.","start_word":4510,"end_word":4552,"sentiment":"positive","sentiment_score":0.4380339086055755},{"text":"And then we also looked at changing the MLC investment from a growth to a high growth option. And given that the growth option there you do have is quite in line with, like, the high growth risk allocation, but in saying that you could look to change it to a high growth. But given that it might sort of bump you up a little bit higher there as well and given that your insurance premiums come out of there, we wanna look at maintaining those. It's not a bad thing to have it little less aggressively invested just to ensure that it doesn't sort of have those major fluctuations, if that makes sense. Oh, yeah. And to make sure that the appropriate balance is maintained as well, I guess. Yeah. So given that we were to sort of just keep it looking at the around the $10,000 sort of mark, you know, with those market downturns, if you're in a quite aggressive option, it kind of sort of, you know, drop with that, and then you've got fees coming out, things like that as well. So having a few more defensive options and that isn't a bad thing. As I said, the growth option there probably is a little bit more than what we consider a growth option anyway. But overall, it sort of with that and take into consideration 10,000 with that investment option, it still puts you around that $90.10 split within regards to your assets. But No. if you go to page 17 there, you will see the buyers and sales in regards to the investment change there. Now with that one, we are looking at removing the Benelon, obviously, because it is quite a large portion, and it's obviously didn't perform too well with what happened in the market. Yep. So we're looking at removing that, offsetting some changes there with the the growth moving forward there and carrying the the loss through with that one. With the investment changes, we're looking at just updating the portfolio to be a bit more in line with what is happening, having a little bit less of an allocation to those managed funds. So when they do have a negative year, it doesn't affect your balance as much. You do have the JPMorgan Global Research enhanced index. So it's an index fund, but it also has somewhat a degree of management. And then you've got Alfiniti, which is the managed fund there as well, which ran 10%, which will mean that it's a bit more of a satellite now. You won't have those major fluctuations like what has occurred with Benelon and how that did negatively impact your balance. The or the portfolio would still be the S Yep. and P 500 with around 20% invested in that one, and then the rest is sort of broken up between the Raffi Australian index, you know, across the Alfiniti and then the JP Global growth there with a few other alternative assets there as well. You have a bit of exposure in health care India and then also in gold and then a core bond, which is your defensive asset there as well, and then a little bit in cybersecurity.","start_word":4553,"end_word":5093,"sentiment":"neutral","sentiment_score":0.0737668280928721},{"text":"So a real nice spread of, like, diversified ETFs there and some managed funds to hopefully give you a nice spread with those markets.","start_word":5094,"end_word":5117,"sentiment":"positive","sentiment_score":0.4378746151924134},{"text":"Yeah. It does it does look pretty pretty varied. Yeah. Because obviously being in the bed along there, you're quite sort of segregated in regards to in that one spot of Australia in that managed funds.","start_word":5118,"end_word":5153,"sentiment":"neutral","sentiment_score":-0.006142434974511464},{"text":"So when that did poorly, it obviously affected your portfolio quite heavily.","start_word":5154,"end_word":5165,"sentiment":"negative","sentiment_score":-0.4114218056201935},{"text":"So not only will this sort of give you a bit of a different exposure in regards to a little bit in India and then also within that as well having, you know, across health care industries, cyber, and then also in regards to the, you know, physical gold as well as the commodities and then with the the managed funds there as well and the Rafi index in Australia. So I have the within the Australian market as well and the Australian equities market. Yep. Yep.","start_word":5166,"end_word":5252,"sentiment":"neutral","sentiment_score":-0.05842816084623337},{"text":"That sounds good. I like that.","start_word":5253,"end_word":5258,"sentiment":"positive","sentiment_score":0.6397265195846558},{"text":"Obviously, in the appendix as well, you'll have links to all these investments. If you did wanna have a look around at them and what we are recommending In regards to that, obviously, you know, I can't say too much in regards to what you're previously seeing. That wasn't my recommendation there. But then moving forward, if you do have any questions in regards to that, we can look at sort of changing if you do have any issues with them or sort of the weightings or did have any concerns with that there as well. But do you have any questions in regards to that or the the splits there for you? At the moment, I don't have any queries in regard to, like, anything ethical. My bank Yep. balance isn't high enough to to have that concern just yet. Yep. It Understandable makes you sound like like a bad person, but Yeah. And look, some people, funny enough, have invested in Ethical. And given the cost of Ethical at the moment and sort of how it does perform, obviously, it takes quite a bit of money to sort of dictate what is ethical and what isn't. And then also sometimes even though you can be, like, in a carbon aware fund, but it's still got, like, a mining company that's trying to be carbon aware by offsetting it through some green space and things like that. So it's very hard to try and, you know, build a portfolio that is truly ethical. And then that Yes.","start_word":5259,"end_word":5516,"sentiment":"neutral","sentiment_score":-0.07520713657140732},{"text":"comes at a higher cost, and it generally doesn't perform as well.","start_word":5517,"end_word":5528,"sentiment":"negative","sentiment_score":-0.5382843017578125},{"text":"So, generally, you know, a couple people I've seen have been in it for about a year, realize that it's a high cost, lower performing, and they jump out of it anyway. Not to say that we can't sprinkle in a few ethical investments in the future once you sort of wanna have a look at it, but, yeah, this is sort of more your conventional investment still. But it's not Yes.","start_word":5529,"end_word":5600,"sentiment":"neutral","sentiment_score":-0.1691330522298813},{"text":"like it's targeting, you know, mining or child labor and things like that. It's obviously just your standard sort of large companies that sort of everyone sort of has a a finger in the pie.","start_word":5601,"end_word":5635,"sentiment":"negative","sentiment_score":-0.39406365156173706},{"text":"Oh god.","start_word":5636,"end_word":5637,"sentiment":"neutral","sentiment_score":-0.3205791711807251},{"text":"Can you imagine the scandal?","start_word":5638,"end_word":5642,"sentiment":"negative","sentiment_score":-0.4265291690826416},{"text":"Yeah.","start_word":5643,"end_word":5643,"sentiment":"neutral","sentiment_score":-0.2316030710935593},{"text":"No.","start_word":5644,"end_word":5644,"sentiment":"negative","sentiment_score":-0.3353857398033142},{"text":"We're definitely definitely not that direct in regards to the investments, and these are all sort of those index funds anyway. So it depends on, like, Yep. the companies that are in it. You know, the S and P 500, I'd you know, I dare say that the top 500 companies in America, some are using some form of, like, potential, you know, child labor, things like that to to with their business and the growth in their business, but I couldn't say it for sure and then be slander if K.","start_word":5645,"end_word":5736,"sentiment":"neutral","sentiment_score":-0.2335295528173447},{"text":"I didn't did say that directly, but, you know, it's one of those things. Every sort of corporation feels like it's been caught at once or twice doing some sort of dodgy thing.","start_word":5737,"end_word":5769,"sentiment":"negative","sentiment_score":-0.5431743860244751},{"text":"Yeah. When you're when you're diversifying overseas, there's always that risk, I Yeah. And then, obviously, as I said, we can look at being, like, a little bit more ethically minded in the the future if that's something you did wanna have a look at as well. suppose. No. No. No. Until until my balance is, like, in 6 figures, I'm happy to be just earning cash. Understandable. I don't blame you at all. In regards to that risk profile, as I was saying, we aim for that ninety ten split. If you do look Yep. in regards to the allocation on page 19 there, you have a little bit less of exposure in the Australian equities market and a little bit more in the international, plus a little bit in the alternative growth side of things. That is mainly your gold. So with that one there, even though it's considered to be, like, a bit of a split asset, like, being alternative with growth and defensive, they just accumulated, like, allocated to the growth side of things given how it has been for the last few years. So Okay. Yep. within regards to that, it can act as a bit of a defensive portion. Obviously, when things do go down within regards to wars and things like that, gold tends to sort of be negatively correlated. It tends to go up a little bit. People go back to that harder currency. Yep. But then also in regards to the Australian fixed interest, you do have sort of roughly the the same amount, and then you do have the cash holding there as well, and it sort of gives you around that $90.10 sort of split. Okay. Yep.","start_word":5770,"end_word":6057,"sentiment":"neutral","sentiment_score":0.007722555426880717},{"text":"That sounds good.","start_word":6058,"end_word":6060,"sentiment":"positive","sentiment_score":0.4610218405723572},{"text":"Okay. I'll lock it. Yep. The next page over there as well, you'll be able to see, like, a a table that illustrates the changes there. Obviously, with the rollover from MLC to Netwealth, you will have more funds going into the Netwealth that will result in slightly higher administration adviser fees in that fund, but it'll also reduce administration costs in your the fund that for MLC because it has less of a balance. In addition to that as well, the investment fee will be lowered with the changes.","start_word":6061,"end_word":6150,"sentiment":"neutral","sentiment_score":0.16682016849517822},{"text":"So overall, you will be saving money.","start_word":6151,"end_word":6157,"sentiment":"positive","sentiment_score":0.5482946038246155},{"text":"And with that projected adviser fee, that's based on some growth as well. So if that recommended investment doesn't perform as to, like, you know, the five year rolling averages there as well and what's going on in the markets, you will be charged less than that because it is a fluctuating figure based on what is occurring. Yep. And, obviously, you know, as I said, that's the one thing that isn't guaranteed and past performance isn't indicative of future performance, unfortunately.","start_word":6158,"end_word":6239,"sentiment":"neutral","sentiment_score":-0.06699112802743912},{"text":"Otherwise, we could all pick the winners and I'll be out of a job.","start_word":6240,"end_word":6253,"sentiment":"negative","sentiment_score":-0.44018715620040894},{"text":"But, Oh, yeah. Can you imagine?","start_word":6254,"end_word":6259,"sentiment":"neutral","sentiment_score":0.1089511141180992},{"text":"yeah, I'll be sipping pina coladas on the beach.","start_word":6260,"end_word":6268,"sentiment":"positive","sentiment_score":0.3761045336723328},{"text":"Wouldn't it be nice? In regards to the figures and returns, you can see based on the portfolios and the breaks and then the three to five to ten years on page 21 there. Just have a look and sort of that past forms just give you an indication of what you're going into there. In addition to that, you'll also see the premium impact of your insurances on your MLC fund and what that does look like in terms of, like, balance and fee costs as well. Okay. Obviously, it's not, you know, a huge amount sort of different in regards to, you know, what that does sort of cost. And I believe that figure might even be backwards there. I'm just having a look at that one. Sorry. Impact on you.","start_word":6269,"end_word":6401,"sentiment":"neutral","sentiment_score":0.04959086328744888},{"text":"Something about that feels a little bit off. I wouldn't sort of worry about that one too much.","start_word":6402,"end_word":6419,"sentiment":"negative","sentiment_score":-0.3682972192764282},{"text":"It was meant to illustrate the the impacts of having the insurances there, but it seems the figure has been skewed slightly and it's doubled up. So I'm not too sure what did occur there, so I'd probably just ignore that one. It was just to illustrate the cost of insurances on your superannuation, Okay. but that's Yep. fine. Yeah. It does seem that there has been a bit of a a formatting error there, so apologies for that one. That's right. In regards to the recommendation for the beneficiary nominations, this is quite straightforward given that you don't have anyone that sort of is a valid dependent at the moment for superannuation nomination. We are just recommending that you nominate the legal person representative. So once you do a will, that will means it will go to your state. So with that one, the benefits are, It doesn't actually pay the the Medicare levy when going to the estate, which is nice. But in saying that if you sort of did have a dependent there or a spouse in the future, you can change it to them so they can receive the funds tax free as opposed to getting taxed.","start_word":6420,"end_word":6620,"sentiment":"neutral","sentiment_score":-0.010405798787853462},{"text":"But with that, there also is the risk that when it goes to the estate, it does open it up to, you know, family fighting over the funds, whereas when it's currently, it's not a non estate asset, which is something to be mindful of at the end of the day as well. But given that, you know, if you did have a nomination currently as well, it might sort of be the fact that it's not valid anyway, and it might end up in the estate, if that makes sense.","start_word":6621,"end_word":6711,"sentiment":"negative","sentiment_score":-0.3921133577823639},{"text":"Yeah. Yeah. Yeah. Yep. Yeah. Because I think I've set my I can't find it on the MSC account at the moment, but I think I set the super to go a 100% to the estate anyway, I think. I've got Muriel and Barry as your recipients for Netwealth. Yeah. I think I think it's definitely that one. Yeah. You're right for Netwealth, but I think MLC, I just went to the estate Yeah. Okay. So from yeah. memory. So so, yeah, with that one there as well, obviously, you know, if you don't have a will in place, it still gets a bit messy. But if you have a will Yep. in place, it makes it a lot more simplified. And, you know, in the future, if you do have a spouse, things like that, you can just change it. That's more than fine. But with Muriel and Barry there at the moment, it just wouldn't sort of be a valid nomination currently unless they're sort of dependent on you sort of financially or caring, things like that or some form of independent relationship, which is very hard to prove for the trustees of super, especially when you're gone and it's up to whoever's left in a trying time there as well. It can be a little bit difficult, if that makes sense. Yep. Yep. That's fair enough.","start_word":6712,"end_word":6940,"sentiment":"neutral","sentiment_score":-0.044180214405059814},{"text":"Perfect.","start_word":6941,"end_word":6941,"sentiment":"positive","sentiment_score":0.5442632436752319},{"text":"Obviously, in conjunction with that, we are recommending you do establish a will. Like I said, there are options out there for, like, the, you know, post office will pack. They're not the the best thing out there, but in terms of, like, pricing, they are a lot cheaper than going to, like, a lawyer and setting up, like, a $300 will.","start_word":6942,"end_word":7003,"sentiment":"neutral","sentiment_score":0.1953463554382324},{"text":"So it is an option there for you as well. If you follow the instructions, at least you've got something, and you do have some form of will.","start_word":7004,"end_word":7031,"sentiment":"positive","sentiment_score":0.39063704013824463},{"text":"Yep. Yep. I'll I'll need to get on that. Yeah. I'll I'll I'll take a look at some options. Yeah. And then within regards to that, if you do seek a lawyer as well, you can establish a power of attorney. I'm not a 100% sure what the post office rules if you can establish power of attorney, things like that. But it just means that in the event that anything did happen, there's someone there that can make financial sort of medical decisions for you if you're otherwise incapacitated as well. You can also, you know, pair that with advanced health care directives, things like that with wills and, you know, your power of attorneys. You know, it's sometimes a very hard time, and people sometimes make decisions that might not be, you know, something you want. Whether or not you wanna pull the plug or not, that's a sort of you decision. But in saying that if you're somewhat incapacitated, you can't make that decision for yourself. So if you preemptively put in a bit of writing, it makes it a lot easier on sort of everyone and that sort of thing. Okay. Yeah. Yep. That makes sense. It says a piece of paper to point to, then plus the arguments. Yeah. Exactly. It takes a lot of the, you know, the conflict in those times between family members out of the equation and somewhat makes it just the decision easier as well versus, you know, what they want versus what you want. As far as remuneration's concerned, they've agreed to keep you on the 1.1<unk> ongoing fee there. It is a bit lower than what the standard 1.65 is, and that was just due to your your lower balance there.","start_word":7032,"end_word":7324,"sentiment":"neutral","sentiment_score":0.13096174482040032},{"text":"They're happy to leave it at a bit of a lower rate to help your superannuation grow Sweet. Thank you. and, yeah, get that sort of compounding moving forward.","start_word":7325,"end_word":7353,"sentiment":"positive","sentiment_score":0.6887091398239136},{"text":"I can't say for the the next interview what that might be. They might look at bumping it back up to the 1.65, but I managed to keep it to the 1.1 for you there.","start_word":7354,"end_word":7388,"sentiment":"neutral","sentiment_score":0.08978889882564545},{"text":"I appreciate it. Thank you.","start_word":7389,"end_word":7393,"sentiment":"positive","sentiment_score":0.6027480363845825},{"text":"Based on balance, it'll be around $774.04 dollars then. And then in regards to, like, the authority to proceed, if you were happy with everything, we would change those underlying investments there that organize that rollover form there for you to do that partial rollover. And then up to the the estate planning side of things, it is up to you at the end of the day should you, you know, want to implement that advice because I can't force you to. Obviously, we can send out a copy of your beneficiary form to you just so Yep. you can sort of have that to fill out and which I might sort of get them to. Do you have access to a printer, or would you prefer just hard mail? I got a printer at work, so that's fine. If you email it to me, I'll just print it out there. Yep. I'll email you a copy of just the beneficiary form so you can sort of get that one updated there as well. Wait, And sir. so so for Netwealth, am I just sending it to the estate as well? Do I have that option? Or Yeah. It's just legal personal representative, and that will be the estate. Yep. okay. Sweet. Yep. And then, obviously, it gets directed there, and it'll be directed via will once you have that in place as well. Otherwise, it would just be up to, you know, whoever's trying to settle the estate with where the funds are and what's happening with that one. If you don't have a will in place, it can get a little bit messy. Okay. Yep. Got it. And then, yeah, obviously, in regards to setting up a will there, you've either got to do, like, your post office will or establish that with a lawyer with the the will and power of attorney and things like that as well. But do you have any questions in regards to that at all, John? No. This this device is pretty thorough.","start_word":7394,"end_word":7734,"sentiment":"neutral","sentiment_score":0.07516075264323842},{"text":"I'll have to sit down and have a good read of it laid up, but I'm very, very happy to proceed. Like, if if that's what you recommend, then I'm happy to go for it. Yeah. It obviously is quite simple in terms of what the recommendation is.","start_word":7735,"end_word":7782,"sentiment":"positive","sentiment_score":0.5095878839492798},{"text":"We're looking at still keeping, you know, the active investment there and just pairing it with some passive ETFs and getting that moving forward and then just doing that retention strategy for your insurances currently until you get a chance to to doing that as well plus your estate planning matters. But as I said, we haven't run through, like, all the advantages, disadvantages. I don't wanna keep you on the phone for three hours, but feel free to have a read through it, see if you have any questions, and come back with it. I'll send off Yep. an email with the budget planner and just they'll send off the beneficiary forms and things like that when they get a chance. Yep. And then, yeah, if you do have any questions for that, just reply to my email. Have read through it, see if there's any questions that do pop up. And then if you're happy to sign it, then they'll get that implemented in the in the back end and get that all rolling once it comes through.","start_word":7783,"end_word":7962,"sentiment":"neutral","sentiment_score":0.19401000440120697},{"text":"Beautiful. Well, in that case, I'm just waiting for it to sign now, and then you should be good to go.","start_word":7963,"end_word":7983,"sentiment":"positive","sentiment_score":0.4608338177204132},{"text":"Not a problem. Obviously, if you do sort of see anything in that regarding that and any sort of changes or any concerns you might have, feel free to just reach out. Otherwise, if it is signed there, that will sort of start once they get that come through and sort of get on to it.","start_word":7984,"end_word":8039,"sentiment":"neutral","sentiment_score":0.24022428691387177},{"text":"Yep. I've just signed it. It's just come through as signed, so you should be golden.","start_word":8040,"end_word":8055,"sentiment":"positive","sentiment_score":0.5351938009262085},{"text":"Maybe I'll just have a quick look and see if that one's popped back up. It may just take a second to come through back to me Yes. to say that it's fine.","start_word":8056,"end_word":8088,"sentiment":"neutral","sentiment_score":0.07669137418270111},{"text":"But that's not a problem at all.","start_word":8089,"end_word":8095,"sentiment":"positive","sentiment_score":0.3374709188938141},{"text":"If they do have any issues with it, they'll just contact you anyway then. But, Can otherwise, I'll let you get back to it. I don't wanna have you on the phone too long, and I'll let you sort of get ready for your your long trip there. Maybe you can get away a bit earlier and sort of avoid some of the traffic, have a coffee in the other. But I send otherwise this call? yeah.","start_word":8096,"end_word":8172,"sentiment":"neutral","sentiment_score":0.040159922093153},{"text":"Otherwise, thanks for your time.","start_word":8173,"end_word":8177,"sentiment":"positive","sentiment_score":0.4598236083984375},{"text":"I know it has been a bit on the phone there, and I'll I'll let you get back to the afternoon.","start_word":8178,"end_word":8198,"sentiment":"neutral","sentiment_score":0.16047315299510956},{"text":"Good luck with the the cat. Thank you very much, mate, and thank you very much for your advice and and your help. Not a problem at all.","start_word":8199,"end_word":8226,"sentiment":"positive","sentiment_score":0.7245035767555237},{"text":"Anytime, John, just reach out if you have any questions.","start_word":8227,"end_word":8236,"sentiment":"neutral","sentiment_score":0.33077898621559143},{"text":"Will do. Thank you very much, mate. No problem. Enjoy now. Bye. Will do. Thank you. Bye bye.","start_word":8237,"end_word":8254,"sentiment":"positive","sentiment_score":0.5972880721092224}],"average":{"sentiment":"neutral","sentiment_score":0.05845008052588044}}}}