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Is now still a good time there for you? Fantastic. How's everything been going for you as as of late since our last catch up? Yep. Fantastic. Well, I'll go through that with you today because I've had a bit of a look at things. I definitely can see some advice that can be provided to update things. It is important to update the portfolio regularly as things change, and I can see some areas that we could definitely look to update for you advice wise. Normally, I also send through your annual review documents for you to go through with me. Are you able to access your emails currently at all? That's okay. If you can't, it's not an issue. I can go through things with you, update everything, and look at the advice that I wanted to sort of help you out with there. And then you're able to have a look at those documents again a little bit later on if you'd like. It's up to you. That's the one. Yeah. So it's got the annual review documents in there. When you open the email there, it does ask you to click the button that says to sign, but it doesn't ask you to sign anything until you've gone through and read it all. It's just so you can move forward and review each of the documents themselves. So before I jump into the call and go through things, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And just to do security there with you as well, just to confirm your full name, your date of birth, address that I should have on file. Yep. Yes. Beautiful. Yes, please. Yeah. Beautiful. Lovely. Thank you so much for that. Now it's a when you're looking at the document there, just let me know when you can see the first one. The first one, they should say summary of superannuation and insurances. You can see it. Perfect. So you've got your updated balance sitting there. We're sitting at a $185,491.51 there. Just to sort of look back at your balance this time last year, you were sitting around about a $179,961.49 there. So your balance has definitely increased with everything. When we look at over the past twelve months, the earnings and the growth within the portfolio, essentially, you've made $11,195 and $44.44 cents over the past twelve months when we consider growth and income there. So your portfolio is still working, albeit the return is a bit lower than where we sort of like it to be. Obviously, contributions are a bit lower at the moment there as well, and that's okay. That's understandable. You go through periods of and downs within the portfolios. Every super fund, every investment has those ups and downs, but you still have come out with growth and still are moving ahead. So the growth is a little bit slower this last twelve months, but it is still moving forward. It is still continuing. And I've had a bit of a look, and there are some things that I'd like to be able to update for you if you'd like the advice to do so to maybe alter the portfolio, maybe replace some of the investments, and see if we can get it working a little bit harder for the next twelve months onwards for you. Yeah. That's okay. Now underneath that, you've got your insurance policy noted there as well. So your part of this and part of the things that are coming out of your super is your insurances. You've got your life cover and your TPD noted there. So in the event of passing your current sum insured is 520,774. If we think about your level of life cover you have, if you were to say passed away today, having that benefit paid out plus your super paid out on top of that essentially gives a life benefit of $1.85, $19.01, about 706,265. Are you fairly happy and or comfortable with that level of cover that you have at the moment? Yep. Fantastic. Excellent. And then with the TBD, so total permanent incapacity, this is paid out as a lump sum or an income stream if you're unable to ever go back to work again due to permanent disability. You've got about a 195,000 sitting there, some insured. And then if you are TBD, we can also look to claim against your super. So, essentially, it's about 380,000 worth of benefit there. Are you fairly comfortable with that? Did you wanna look at trying to review that at any at any point at the moment? Or For the premiums? Yeah. Well, having a look, no. That's okay. Well, I had a look, and my team did call and find out because you the premiums are a lot more expensive than what you'd sort of expect for the level of cover you have, and that's because you do have a a 50% loading on there, which was due to the heart palpitations on the life and TPD cover. We've spoken to a sender. They have stated that it is possible to review that. So I'd like to just go back and see if that's reviewable and maybe go through and have that review to see if we could maybe have that loading reduced or removed from the policy, which could help to make it a bit cheaper for you. Yep. Well, the life cover will do that for you. The TBD doesn't. That's more to pay that to yourself. But what I'm sort of mentioning is with the with the loadings, it does with the 50% loading, it is making your premiums more expensive. So if we can look to maybe have that removed, that'll reduce the cost of the premiums a little bit. It doesn't change the level of cover you have. That stays exactly the same. It just helps to remove that loading off the policy, which could make the premium slightly cheaper. So what we can do is we'll just need to have a form build out. I'll find out what that is. I believe I've got it sitting in the in the file here. Might be a second just to see what that looks like, just to give you an understanding of the questions they're gonna ask because they are gonna assess your health and, quite a bit of detail there. This is a very large application. So review of loadings. So one, two, three, seven, eight, fourteen, twenty one, 23, and 24. Okay. So if we go sorry. I'm just gonna write this down so I can have a quick look at these pages for you just to kinda give you an idea of what's expected with looking at the loadings, and then I will get my team to prefill the document. We will send it to you. We will need you to probably go through and double check things that are correct and answer any of the questions. This is section one four five six seven. There's eight eight. Disclosure. That's okay. 14. Section 14 is doctor's details. So they are gonna request medical reports from the doctor in order to have the loading reassessed. That's okay. Section 21 is asking 21 is asking about further information around family Section 23 is a medical release for them to access medical records from your doctor to be able to review that. And section 24 is, again, just authorizations authorizing them to access medical information to have the loading reviewed there. The doctor that we would have on record here, I'm if you're comfortable with me, I'm happy to have my team prefill this document as much as we possibly can, and then we can send it through to you. It'll need to be printed out and signed and returned. Are you at all able to access a printer at all, or is it better if we post the document to you? Yep. Yep. That's okay. We'll just note down the sections that are applicable for having the loading removed or reviewed, and we'll get you just to double check the information that we have on the document. If there is anything to update or have altered, just let us know. More than happy to do so. Just going back into your original application just to see what we had noted. It's a little bit of work to have the loading removed, but it's worthwhile if they go through and remove the loading for you. It makes the policy cheaper, so it might be worthwhile definitely doing, especially as you mentioned those heart palpitations. You haven't had those since that policy was placed in force. Everything has been really good since then. Is that changed at all? Yep. Yep. Beautiful. So it's definitely worth having those loadings reviewed. If they come back and say they're not going to remove them now, at least we've tried, There's always a risk of that occurring, but, you know, the good side of it is they may come back and go, hey. Yeah. Look. We've we can remove these loadings now and hopefully make the policy a bit cheaper for you, which would be only to your benefit and your super. I've got the doctor's details. Oh, sorry. This application form is a bit long. Where are we? Information. Okay. So I've got the medical clinic or the clinic for them to utilize as KC Medical Center Craneborn. Is that still the correct medical center that they would be able to obtain those documents from in relation to the heart palpitations? Yep. Yep. Yep. Yep. No. That's okay. It doesn't have a doctor noted. It just says doctor's name unknown. It's just got the medical practice there. But if they to those reports originally, that's that's on your original sender or MLC application. I do have the other one from when we did try to go through the AIA application, and that, I believe, has a different one. Yeah. That one there has a Broad Oak Medical yeah. Broad Oak Medical at Craneborn East on it. Yep. Okay. Yep. Yep. That's okay. So that'll be the broad Broad Oak Medical. Perfect. I'll I'll put that information on that application there for you. We'll get that the the insurance application sorted and prefilled for you, and then my team will email us through if you can just sort of print it out. I'll find out if they do allow it to be electronically signed. If they do, we'll be able to send it electronically for you. I just know sometimes these are preferred the wet sign. Either way, we'll find out how it can be signed. We'll send it through to you. I'll prefill it with as much information as possible. If there are any sections that we just need you to fill out for us, we will just have those noted with a little text box. And then once that's signed, we can send it back to a sender, and we can have them reassess the loadings for you to see if they can, you know, remove those for the heart palpitations and try to make your policy about 50% cheaper for you. Okay? Yep. Beautiful. All good. At the moment, the policy for this year currently, you have paid around about $4,903.39. You'll see on that policy or on that document there, the top number, the $5,007.68, that's how much the insurer has received for the policy, but you do get a 15 percent discount because you're paying it out out of your super fund. So you've only paid the bottom figure there. Okay? It's still quite a lot, but it is a little bit of a discount. So we'll take whatever discounts we can get in the short term. Yeah. Work wise, how's everything going? Because I can see that the contributions were going into your sleep up until about July this year. Have you been working since then? Have you just dropped hours? What sort of have been happening work wise for you? That's actually exciting. Fantastic. Beautiful. Of course. Yeah. Yep. Okay. Well, I'm very sorry that you're going through things. It's definitely could be very difficult. Are you still technically employed in the same role that you were? Are you planning to kinda go back and do any work? Are you looking for a new job? What's kind of on the horizon for you? Mhmm. Yep. Yep. Yeah. Perfect. I love that. Yeah. That's okay. All good. So, realistically, for me updating advice and reflecting things accurately in your circumstances, would you prefer me to keep your title as disability support worker, or what would you prefer me to keep your employment title as currently? That's okay. Yep. Beautiful. It's just there's no real benefit. It's more just me being accurate on the documentation that I provide for you. That's all just making sure that I've got accuracy around it. Yeah. Yeah. That's okay. All good. And you're also working casually at the moment. Is that right? Yep. Yep. Do you have any are you sort of doing a regular couple of shifts every week or so, or is it just sporadically here and there as things pop up as you're comfortable taking work? Yep. That's okay. Yep. Beautiful. Well, congratulations on starting that set three. How are you enjoying it? I love that. Yeah. And you sorta maybe hoping to go into that IT space down the track. Is that sort of where your interest lies career wise? Yeah. Yeah. Yeah. Well, that's fantastic. I definitely wanna keep up to date with you and see how that's going. I know one of the things is and, look, I can speak from experience. When you work and do what you you're passionate about, you tend to not work a day in your life. I work some shocking hours, but I love what I do, and I love helping people and looking at investments and building people super and and working towards their goals. So if you find something you're passionate about, no matter how hard it is, please do hold on to that because it makes the world of difference when you go to work every day. That's for sure. Yeah. I think look. Looking at everything for you, you're about essentially oh, you're a little bit older than me. Not much. But, realistically, look. I'm in my forties now, and I'm feel well and truly too old to be, you know, not enjoying what I do on a regular basis. And and you know? So I'm sure you feel probably the same way. Yeah. Beautiful. Fantastic. Oh, I love that you're doing that. And how long does the set three sorta take to complete? Yeah. Perfect. I love that. No worries at all. All good. So the other things I do have to touch base on are things like income protection and trauma. In the past, we've touched on those, what they are, how they can provide for you. Realistically, given your current changes to work, and I do apologize, I need to be honest at times as well, because you are working casually and very sporadically at the moment, income protection's generally not on offer at the moment for insurance wise. And adding adding new insurances can obviously make the premiums more expensive, which I know is a big concern of yours as well. Are you wanting to look down the track maybe getting some income protection and covering you in that way, or are you just happy with the life and TBD and wanna save money and build wealth outside of super to cover the gap? What's your thoughts there? And if you have more questions, you can let me know. Yeah. Yep. No. That's okay. Absolutely fine. It's not a problem at all. And you because you've taken a bit of time off work, just sort of clarifying. Do you have a bit of savings that you've been able to fall back on to sort of help been working full time and and to give you a bit of extra expenditure? Yep. Yep. Beautiful. Yep. Absolutely. Beautiful. And how much would you say you still have in savings just so I can update all your assets and liabilities? Okay. About 3,000 left. Lovely. There we go. Well, if I happen to win a lotto, I'll let you know. Promise. Haven't yet, but you never know. Absolutely. When you think about income and I know it's probably hard to sort of determine now. We had you earning around about a 71,000 per year over the last couple of years. When you think about the fact that your casual now just taking work when when it's on offer and when you wanna take work, do you feel like there's an income that you're probably going to have earned for this year, or are you just wanting me to leave that blank for the time being? What would you say about the income aspect? Yep. Yeah. Yeah. Yeah. Or even this financial year, are you sort of thinking income you might take a bit more work and you might be able to make that 70 odd thousand again this year, or do you think that might be you're just not really sure what's to come that it could be up in the air? Yep. Yep. Yep. Yep. No. That's okay. When we think about because with the employer contributions, we haven't sort of seen any employer contributions going into the super since July. I wanted to sort of look at updating the advice. And if you go to the next document there, you can see all the individual investments within your super fund. But there are a few that are a little bit down this year, so markets have been up and down with everything that's been going on globally. And a few of those investments I wanted to look at, maybe replace them. To give you a little bit of an idea of what I've been sort of thinking about doing to help you along is you've got the first investment there, the Benelong Australian Equities. Now that investment is more of an actively managed fund. Within a portfolio, you do tend to pay a little bit more in fees to be able to have those sorts of managers in there. If you are open to, I could look at maybe removing that out because it is underperforming a little bit within your portfolio, and I could look at replacing that with a maybe a cheaper investment to lower the investment fees a little bit for you. Is that something you'd like me to look at? So BANALON yeah. With the new one, I wanted to replace BANALON with? Yeah. Absolutely. So, Ben along that investment has had some underlying issues. The investment manager hasn't been able to outperform against the market, essentially, and that's what an active manager is trying to do. They're trying to buy and sell and pick investments and time the market. And they don't always outperform against the market. There is a bit more risk with those because you they are you know, they tend to underperform more often than not. With the other investments I'm looking at replacing it with, it's more of a passive fund. So it tracks a certain indices. It should have a bit more investments. It might be tracking, you know, two or 500 different investments, so it provides more diversification. We'll obviously replace it if it's been performing better than what Bennelong has over the past couple of years as well. So we do look at past performance to sort of see what can be expected in the future. But, yeah, it's also cheaper. So saving on, you know, investment fees and things like that could also mean less money going out of your fund, which means more money staying in your super, which could provide benefit down the track. No. This report doesn't. This report looks at your super, how much is essentially, how much you had last year, the buyers, the sales, the market value, the income. It's an internal rate of return port, so it doesn't necessarily tell you everything has been going out. It's about what's being generated within the report as in or within the fund, essentially, how the investments have performed. Yeah. But essentially, how the investments have performed. Yeah. But if you like, I could update the advice to reflect that and show you what that would look like. Yeah. I correlate all yeah. Yeah. I correlate all of that as part of the advice document. If you remember back to the last advice document I did, we provide that projection table, which outlines the admin fees, investment fees, and all those sorts of things for the different portfolios that we are recommending. Yeah. So I can do something very similar for you. I can make a recommendation on altering these investments. I'll show you your current scenarios, your current projected outcome with the current portfolio you're in, and also what I'm recommending side by side so you have that comparison in the advice document to kind of make your decision. Does that sound like something you'd be open to? No. No. That's what you pay us for. Absolutely. Definitely. Yeah. Never too much trouble. Absolutely. I'll do that for you. Yeah. Yes. Yep. Yes. Yeah. I can certainly show you what that looks like. If you go to the next document for me, you've got the 2026 Vanguard index chart there. Yeah. So this shows you how the markets have reacted over the past thirty years. So when we sort of look at different investments, and I think what you're sort of finding out is whether whether the passive investments can obtain the same sort of growth that that active managers can obtain. Is that sort of what you're asking? Yeah. Yeah. Absolutely. So with this sort of investment, this is tracking how the market has performed in different investments. So one of the things that we look at when we are investing, and there's different ways to do so, the first thing is growth and defensive investments. So on the side here, you'll see US shares, Australian shares, international shares, and listed property. These are all growth assets. Within a portfolio, you can have actively managed managed funds like a Bannalong and Alfiniti and loads lots of other ones out there, and they are all growth assets. You can also have passive investments. And within your portfolio at the moment, you've also got the S and P 500, so the iShares S and P 500 ETF. Now that investment is still a growth investment. It still fits in this US shares and international shares spectrum. It's still a growth asset that, like, gets really good returns, but it's also a passive man passively managed fund in the way that the investment committee is just tracking the top 500 companies on The US. It's tracking the index to the S and P 500. That makes the investment cheaper to hold because they're not buying and selling within the investment as much. They're just tracking the industry. However, the the maker of the indices of the S and P 500, they meet every quarter, and certain companies in order to be in the S and P 500 actually have to meet a certain criteria. If a company no longer meets that criteria, they are removed from the index, and therefore, they are also moved from the S and P 500 investments that are tracking that indices. So it's kind of a flow on effect. But the main difference between passive passively managed funds and actively managed funds is that passively managed funds are tracking a certain index or the market as a whole. There's less trading going on. And longer term, when you think about the last sort of thirty or forty years, quite often, bidding in a passively managed fund actually outperforms an active manager because an active investment manager is trying to pick and time the market. They're trying to choose what investments to buy, when to buy into them, how much to buy into them, and they're trying to outperform against the market. So they're trying to show that they're smarter than the market as a whole. The problem we have with people trying to trade against the market and, you know, try to outperform against the market is that 99% of what happens in the market is human emotion, and you sort of know that yourself. When you sort of look at the markets going up and down, when we see the green numbers and we see that the market's going up and we've made money, it makes us feel really good that we're doing that things are working really well, and we're happy with that. However, when the market takes a little bit of a dip, we tend to feel a little bit nervous that can you you know we don't like to see the red numbers. We don't like to see things going down. It can make us feel very nervous, especially as we get closer to accessing our super. So that's the same as everybody else that invests. When someone sees something going down, well, I hear news that's concerning, they may start to sell. Then somebody else does the same thing. Then somebody else does the same thing, and it starts a big flow on effect. And that's where those big sales come from. It starts where someone or, you know, a few people start to sell off because, yeah, people hear things that make them concerned. They sell the investments, try and submit to take those gains that they've made. And then other people see the investment going down, and they get a bit weary and concerned, and they start to sell as well. My job is to stop you from making those sorts of sales. Because as the investment is going down, the more people that sell that investment, they start to submit they start to cement those losses where they're not making any money. And if you're continuously selling investments when they're decreasing in value, then well, when the market's going down, then you're never actually gonna make any money. What we try to look at doing with you is keeping you invested through those downtimes, keep those contributions going in when they are. And it's not just the contributions. It's also the income. So the investments that we invest you in, they produce dividends. Those dividends are paid into your cash account and reinvested back into your portfolio, and that also helps with the compounding effect of reinvesting. And income is still a good a good way to produce growth and keep your super working harder even when you're maybe not working or not getting contributions. So your super still can work, albeit contributions are still better to put in there to help it along. But when it isn't getting contributions for a time, as long as you're able to get income on a regular basis and reinvest that income, your super can still work and grow. But, essentially, we wanna stop you from sort of making those rash decisions and selling when the market is going down because we want you to hold through that time. And with your portfolio at the moment, you're in that high growth environment that generally sees when you look at this report here, that sees 90% of your super invested in US shares, Australian shares, international shares, and listed property. That's 90% in those higher risk investments that can get greater potential returns over the longer term, but do see the ups and downs in the short term, which makes us feel very nervous. And then you also see around about 10% in low risk defensive investments. So if you look at the bottom, that's like bonds. Essentially, you'll see the bonds over the last thirty years averaged about 5.2%. It's a much smaller return, but it hasn't gone up and down as drastically. That line is fairly steady. So you have some growth assets, some defensive in assets that makes up the risk level of your portfolio. But then the other layer to your risk level is whether you're having active managers in there, passive managers in there, or how your portfolio is structured and diversifying. So spreading your risk level across lots of different countries, different industries, different asset classes as well. Does that make sense? Do you have more questions? You're welcome to let me know if you do. Yeah. Yeah. Mhmm. Yeah. Yeah. So the yeah. So you do that's part of the investment phase, essentially, when you're investing into a portfolio or into a manager. And that's where if you wanted to look at something a bit cheaper, I could look at keeping you in that high growth environment as long as you're still comfortable with that. And, also, just alter your portfolio so that we maybe have some cheaper investments, which might reduce your investment fees, but still provide good performance over the longer term. Yeah. Yep. Yep. Absolutely. That's okay. I do have a couple of different options that I've sort of been looking at. One of them is a wholly passive fund, which has good returns in the past. It can definitely lower your investment fees fairly significantly. Or I do have a portfolio that has a little bit of active management in it. Which way would you prefer to go investment wise? Do you wanna see a little bit of active management but try to reduce fees where possible, or would you like to go full passively managed fund and try to reduce fees as much as possible? What would you prefer? Yeah. The downturn wasn't overly bad. It was only I think we only really dropped about a three percent drop. So the market is still very heavily overvalued. It's still doing quite well. We have seen the ups and downs this year, but as a whole, we're still seeing a lot of growth there. My job as the adviser, unfortunately, is to make the recommendation and choose one of the options that suits your goals. So I don't provide the advice giving you the two different portfolios and letting you choose which one's preferable. I've gotta kind of make that recommendation for you. I personally sort of talking from where you are. The way I sort of see things for yourself is, I mean, looking at your age at the moment, are you still wanting to access super around about 60 or 65? What is your goal there at the moment for accessing your super? Yep. Yep. Well, you can actually access super from the age of 60. As long as you are fully retired, they'll let you access all of your funds completely tax free. The alternative is 65. They'll release your funds a 100% tax free regardless of whether you're working or not. And currently, the age 67 is if you're eligible able to access the the age pension. So, realistically, you could retire from 60 onwards if you would like to. But if you're happy with 65, are you comfortable with me leaving that as your goal for the time being? Yep. That's okay. So just sort of talking about where things are at, I think one of the things that feels really important to you, and please correct me if I'm wrong, but it feels that the fee aspect is probably the biggest thing because you are working casually. Haven't really got contributions going, and reducing fees as much as possible feels like it's more appropriate to you. Are you am I on the right track with that? Is there anything that you would alter or change or correct me if I'm wrong. Yeah. Yeah. You yeah. Absolutely. Mhmm. Yeah. I mean, we can still definitely keep you in the high growth risk profile. Keep that asset allocation. That's no problem, but still reduce fees and and try to make the portfolio cheaper. I definitely have some ways that I can incorporate that for you. I'm just sort of looking at the way I sort of see things for you. And please, as I said, correct me if I'm wrong, but I feel like going in a bit more of that passive direction, lowering the risk of your portfolio as much as possible, keeping you with that high growth asset allocation, and lowering fees as much as we possibly can feels like it's more the right direction for you, especially as, you know, you're not contributing as much at the moment, but also focusing on income production within those investments, trying to get as much income out of them as possible. Am I on the right track? Is there anything you would change with that? Yep. Investment. Yep. Mhmm. Yep. Absolutely. I like that. Fantastic. Well, that's what I'll sort of focus on looking at for you. I do know you sort of made mention to me that you wanna stay in that high growth environment a little bit longer. And, realistically, you absolutely can. That high growth portfolio happily suit someone who has at least eight years before accessing their super. You do have that ahead of you. It is absolutely fine. The only set of questions I would ask just to sort of gauge your risk tolerance there is the first one here is basically asking how much risk do you think you're comfortable taking in order to get those higher potential returns. Are you comfortable taking the highest level of risk? Are you comfortable with setting a medium or moderate amount of risk or no risk knowing the returns are lower. You can go in between those if you'd like to as well. Where do you think you fit on that scale? Yep. Yep. Absolutely. The next one here is is if we did see a large market dip in the future and your portfolio fell by, say, 20%, how do you think you might be feeling? Are you possibly taking it as a buying opportunity and putting some more money into the market? Are you a bit concerned? You'll maybe hold and wait and call us and see what we suggest you do, or are you feeling a little bit more anxious and wanting to maybe sell the investments to cash? How do you think you might react? Yep. Maybe call us. Yep. Yep. That's okay. Not a problem at all. And the last one here is seeing market drop. So seeing your portfolio take a bit of a dip due to what's happening globally, do you feel a bit optimistic about the investment opportunities? Are you feeling a bit cautious, concerned, or anxious about the ups and downs in the market? How do you think you might feel? That's okay. When you think about market dips due to what's happening globally, do you think when you see your super falling value because of what's happening so say Trump went out and tweeted something tomorrow when we saw a market dip again. Are you feeling optimistic about the investment opportunities? Are you cautious, concerned, or feeling very anxious? How do you think you might feel? Yep. Yep. No. That's okay. Absolutely fine. Beautiful. Fantastic. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever borrow from a bank or financial institution in order to, say, buy property? What do you think about that? Yep. Yep. That's okay. Excellent. Thank you for that. Now you have still scored in that high growth environment. And as I kinda may have mentioned, you've got more than ten years before you're wanting to access your super. That high growth environment does suit someone who's got about eight years. Essentially, you are looking to try and obtain, you know, around about and this is just a risk profile return. We obviously wanna get the best we can out of our super, but, you know, compounding about a eight to 10% on a yearly basis can get you a really good position at high growth environment, and we do expect a negative a negative year around about one in every five years as an expectation. Do you still feel fairly comfortable within that sort of environment? Yeah. Beautiful. Do you have any questions about any of that at all, so far, Jay, for me? No? That's okay. Beautiful. So just kind of looking at that last document, what I'd sort of like to do is maybe look at replacing the Bannalong. I can also see a couple of other investments in there that could definitely have a bit of an update, you know, within your portfolio that the India investment hasn't really held strong this year. It's showing a little bit down, and the government is phasing out some of those bank hybrids down the track as well. So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming investments. Does that make sense? Are you comfortable with that? Do you have any questions at all? That's okay. Yeah. Beautiful. Fantastic. The next login along in that pack, if you continue to scroll for me, is the Ascendant Certificate of Currency, and that just outlines a bit more detail around your insurance policy through a sender who was MLC and a bit more detail there. So we'll get that form done to review your loadings for you. Okay? Excellent. The next document along is the financial services guide for Oakview Financial, and I've given you a couple of these now. This outlines everything about who we are, what we do, and how we do it, and, obviously, the fee structure and everything moving forward there for you. Okay? Excellent. And the last document attached is the ongoing service agreement for our services. Obviously, to be a client and have us provide financial advice and work towards your goals, you do pay us an ongoing service fee. It is 1.65% per annum. Moving forward, we will have more of a tiered structure. So once your balance gets over that $200,000 mark, we will start to reduce the percentage down. So moving forward, essentially, once your super balance hits that 200,000, you move into the next tier down, which means your balance over 200,000 drops into the tier of one 0.1375. And then once your balance is 500,000, you drop into the next tier and so on. So each tier will have a lower percentage of fee. The idea is we wanna keep things working harder and grow, but we still also have to charge for our services as a professional advice service there. The the ongoing service fee currently because your balance is under that 200,000, it is set at that 1.65%. You've just got on the fee agreement here, the expectation of how much we will see for our services this year is $3,213.64 there. That's showing you what the expectation is for the ongoing service fee. I wanna make sure your super is working as hard as possible there. And in order for us to provide our services and look after everything for you, we do have to get this signed and returned. So I know there was a bit of concern around the ongoing service fees. Obviously, I wanna make sure that your super is making our fees plus additional growth on top of that. We understand that, obviously, it could be years where that doesn't happen because of how markets react over time. But if you're making enough over, you know, the longer term and seeing your balance increase, it does make the services worthwhile for you. Do you have any questions about that? Does that make sense to you? Is there anything you kind of wanted to ask me? Yeah. Yep. Yeah. Yep. Yeah. Yeah. No. That's okay. No. That's understandable. Absolutely. And I wanna make sure that you're getting the value out of that as well. So because there's a lot changing and going on in your life, we'll make sure that I update this advice for you in the next few weeks, and then we'll come back and do a catch up, you know, every three to six months depending on what you're comfortable with, and we can just keep reviewing things moving forward for you. How does that sound? Yep. That's okay. Not a problem at all. That is essentially all the documents in there, so you're welcome to take them back and have a good review of the documents. Once you're comfortable with doing so, I'll get you to sign and return those back just so I can move forward and provide the advice for you. I just needed to update a couple of additional things for you here as well. So when I'm looking at the advice, because you are working casually, and we're not really sure of what kind of contributions are expected in the fund over the next sort of couple of months, I'd like to update the advice and maybe consider no additional super contributions going in. That way, we can sort of look at what, you know, the expectation is around the growth need and that sort of thing with the portfolio and how that looks as a whole minus contributions. Are you comfortable with that? Is there any, you know, set amount you'd be comfortable putting in the super? What's your thoughts around that? Yeah. Yeah. Because we normally have projected projected outcomes, we normally account for your ongoing employer contributions. But because you're working very casually at the moment and there's no real set contributions going in, it does make it hard to kind of predict what those are going to be moving forward. So I sort of wanted to look at maybe not accounting for any contributions, but look at the projected out the projection table based on your current portfolio plus what we're recommending with no contributions going in. Alternatively, if you wanted to maybe look at making some contributions out of your savings, I could, you know, recommend, you know, 20 a week or 50 a fortnight or a month. Is there anything what would what do you think about that? Yep. Yeah. Yep. Yep. Absolutely. Yeah. Definitely. And if if you do have yeah. Of course. And if if you do find that you are starting to get contributions in or taking on more regular work, if you could just let me know prior to the next call, that'd be fabulous, and I can always just go back and update that for you. It's not a problem at all. Okay? Excellent. That's okay. Not a problem at all. The other things I had here to note down was your we had two cars noted. I do apologize. I don't have it doesn't say what cars they are. But your car, one of them was valued at 10,000 last year. With your vehicles, which one would you value at 10,000, and what kind of car is it? Yep. Let's get rid of that. That's absolutely fine. Yeah. Yep. Yep. Beautiful. Yep. Beautiful. And do you have a loan on that vehicle, or is it owned outright? Okay. I think that's the one we had last year. We had about 19,000 owing on it. How much do you owe on the car now? Yeah. Nope. That's okay. I've got your savings noted down here, and you're renting where you are currently at the moment. How much rent are you paying on a weekly or fortnightly basis? 200 per week. Beautiful. And is there any other assets or liabilities or anything else you would not wanna note down on here? Yep. Yep. That's okay. How much are you paying at the moment? I'm so sorry, Jay. The phone just cut out a little bit. How much are you paying per month at the moment? 300. Perfect. I'm so sorry. I was trying to hear what what it was, and I missed it. I'm so sorry about that. Per month. No. That's okay. Look. We've done well. We've kept it going through the entire time. It's fantastic. It's fantastic. Excellent. And I've just also got down here that we don't have you haven't had a will or power of attorney drawn up with a solicitor. Have you thought more about doing that since our last conversation, speaking to a solicitor, having a will, power of attorney, and things drawn up? No. No. That's okay. It is definitely something to consider doing. Yeah. Just making sure that, you know, if anything happened to you, that everything you've worked hard for, I know it doesn't feel like a lot, but when you think about your savings account, your cars, any family heirlooms, or things that you own that you might want directed to a certain person, having your will drawn up can do that for you. There are also state trustees that can drop wills online or over the phone just as easily. I can find out the information in regards to your state if you like and email that through to you just as a bit of a general email. Would you like that information? No. That's okay. Yep. Absolutely. And I've got your beneficiary nominations on your super and your life insurance. So 50% paid to Dylan and Toby in the event that anything happens to split to both your children. Is that still how you want that set up? Yep. Yep. Absolutely. Perfect. Well, that's basically everything there. Thank you so much for your time. The only other thing I sorta wanted to touch base on, I'm looking at, you know, your retirement age at age 65 currently. From everything we've discussed, we'll go back and review the super, remove any underperforming investors, and look at updating things, reducing fees within the portfolio a bit, look at no additional contributions into the fund, and look at what that can do moving forward to assist you. You're happy with your life and TPD, not wanting to look at any additional insurances at the moment. Is there any other goals in the short term or medium term that you wanted me to sort of note down for you? Or no? No. That's okay. I've I've put down here that you are continuing to study and in the medium term looking to, you know, possibly have a career change. Obviously, we can't provide advice around that currently, but is that something that yeah. That's sort of still a medium term goal there for you? Yeah. Beautiful. Excellent. Lovely. Is there anything else that you might sorta have down that you might wanna know as a goal? Doesn't have to be financial. It can be anything at all. No. That's okay. Yep. Absolutely. Beautiful. Not a problem. And in the short term, we'll get that form done up for the insurer for a sender there to see if we can have that loading re reviewed for you as well. Okay? No problem at all. Thank you so much for your time this morning, Jay. I really appreciate it. I want to bring your annual review forward, really look at things for you and update the advice. I know you you have had some concerns over the past, so I wanna make sure that we're supporting you and alleviating those where possible. I will book you in now to go through that advice document in a couple of weeks there. Do you know sort of what the calendar might look like? Are you happy with me rebooking that time now for you in a few weeks? Yep. Yeah. Absolutely. So now I am taking a little bit of a break. I'm so sorry. I'm taking my son away in the next two weeks, but I will be back early so the last week of September, early October. Just looking at the time frame to do the research for you. I could book you in on Wednesday, October 7. Would that be okay that we do the same time, 08:00 in the morning to go through the advice? Fantastic. I'll add a little text message reminder there for your day. So it does remind you on the or the day before that, I'll be giving you a call. If anything does come up, please do let me know. Not a problem at all. And in the meantime, I'll go and do that research and update the advice, and we'll go through things to reflect. Okay? Yep. So oh, okay. No. Not a problem. That'll actually be 10:10 thirty my time, which I do have an appointment already booked for. Could I maybe make it the no. That's okay. Could I maybe make it the the the Thursday morning instead? And I could happily do the the later time for you. Yep. That's okay. And did you did you want 08:00 your time? Or yep. Beautiful. That's 09:00 my time. So I'll pop that in there for you. Sorry about that. Daylight savings will have started at that time, so we're back to it. Beautiful. I've booked that one in for you. I'll send a text message reminder so it'll let you know that I'm calling. If anything does come up, you're welcome to let me know. Okay? My pleasure. Thank you so much, Jay. I'll just get you to review those documents in there, and then when you're comfortable to get you to sign and return the annual review documents back to me. I really appreciate your time today. Easy. Thank you so much, Jay. I'll talk to you in a couple of weeks. Thank you so much. Thanks. See you later. 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Jay. This is Dana from OQ Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in to go through your annual review this morning. Is now still a good time there for you? Fantastic. How's everything been going for you as as of late since our last catch up? Yep.\n\nFantastic. Well, I'll go through that with you today because I've had a bit of a look at things. I definitely can see some advice that can be provided to update things. It is important to update the portfolio regularly as things change, and I can see some areas that we could definitely look to update for you advice wise. Normally, I also send through your annual review documents for you to go through with me.\n\nAre you able to access your emails currently at all? That's okay. If you can't, it's not an issue. I can go through things with you, update everything, and look at the advice that I wanted to sort of help you out with there. And then you're able to have a look at those documents again a little bit later on if you'd like.\n\nIt's up to you. That's the one. Yeah. So it's got the annual review documents in there. When you open the email there, it does ask you to click the button that says to sign, but it doesn't ask you to sign anything until you've gone through and read it all.\n\nIt's just so you can move forward and review each of the documents themselves. So before I jump into the call and go through things, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And just to do security there with you as well, just to confirm your full name, your date of birth, address that I should have on file.\n\nYep. Yes. Beautiful. Yes, please. Yeah.\n\nBeautiful. Lovely. Thank you so much for that. Now it's a when you're looking at the document there, just let me know when you can see the first one. The first one, they should say summary of superannuation and insurances.\n\nYou can see it. Perfect. So you've got your updated balance sitting there. We're sitting at a $185,491.51 there. Just to sort of look back at your balance this time last year, you were sitting around about a $179,961.49 there.\n\nSo your balance has definitely increased with everything. When we look at over the past twelve months, the earnings and the growth within the portfolio, essentially, you've made $11,195 and $44.44 cents over the past twelve months when we consider growth and income there. So your portfolio is still working, albeit the return is a bit lower than where we sort of like it to be. Obviously, contributions are a bit lower at the moment there as well, and that's okay. That's understandable.\n\nYou go through periods of and downs within the portfolios. Every super fund, every investment has those ups and downs, but you still have come out with growth and still are moving ahead. So the growth is a little bit slower this last twelve months, but it is still moving forward. It is still continuing. And I've had a bit of a look, and there are some things that I'd like to be able to update for you if you'd like the advice to do so to maybe alter the portfolio, maybe replace some of the investments, and see if we can get it working a little bit harder for the next twelve months onwards for you.\n\nYeah. That's okay. Now underneath that, you've got your insurance policy noted there as well. So your part of this and part of the things that are coming out of your super is your insurances. You've got your life cover and your TPD noted there.\n\nSo in the event of passing your current sum insured is 520,774. If we think about your level of life cover you have, if you were to say passed away today, having that benefit paid out plus your super paid out on top of that essentially gives a life benefit of $1.85, $19.01, about 706,265. Are you fairly happy and or comfortable with that level of cover that you have at the moment? Yep. Fantastic.\n\nExcellent. And then with the TBD, so total permanent incapacity, this is paid out as a lump sum or an income stream if you're unable to ever go back to work again due to permanent disability. You've got about a 195,000 sitting there, some insured. And then if you are TBD, we can also look to claim against your super. So, essentially, it's about 380,000 worth of benefit there.\n\nAre you fairly comfortable with that? Did you wanna look at trying to review that at any at any point at the moment? Or For the premiums? Yeah. Well, having a look, no.\n\nThat's okay. Well, I had a look, and my team did call and find out because you the premiums are a lot more expensive than what you'd sort of expect for the level of cover you have, and that's because you do have a a 50% loading on there, which was due to the heart palpitations on the life and TPD cover. We've spoken to a sender. They have stated that it is possible to review that. So I'd like to just go back and see if that's reviewable and maybe go through and have that review to see if we could maybe have that loading reduced or removed from the policy, which could help to make it a bit cheaper for you.\n\nYep. Well, the life cover will do that for you. The TBD doesn't. That's more to pay that to yourself. But what I'm sort of mentioning is with the with the loadings, it does with the 50% loading, it is making your premiums more expensive.\n\nSo if we can look to maybe have that removed, that'll reduce the cost of the premiums a little bit. It doesn't change the level of cover you have. That stays exactly the same. It just helps to remove that loading off the policy, which could make the premium slightly cheaper. So what we can do is we'll just need to have a form build out.\n\nI'll find out what that is. I believe I've got it sitting in the in the file here. Might be a second just to see what that looks like, just to give you an understanding of the questions they're gonna ask because they are gonna assess your health and, quite a bit of detail there. This is a very large application. So review of loadings.\n\nSo one, two, three, seven, eight, fourteen, twenty one, 23, and 24. Okay. So if we go sorry. I'm just gonna write this down so I can have a quick look at these pages for you just to kinda give you an idea of what's expected with looking at the loadings, and then I will get my team to prefill the document. We will send it to you.\n\nWe will need you to probably go through and double check things that are correct and answer any of the questions. This is section one four five six seven. There's eight eight. Disclosure. That's okay.\n\n14. Section 14 is doctor's details. So they are gonna request medical reports from the doctor in order to have the loading reassessed. That's okay. Section 21 is asking 21 is asking about further information around family Section 23 is a medical release for them to access medical records from your doctor to be able to review that.\n\nAnd section 24 is, again, just authorizations authorizing them to access medical information to have the loading reviewed there. The doctor that we would have on record here, I'm if you're comfortable with me, I'm happy to have my team prefill this document as much as we possibly can, and then we can send it through to you. It'll need to be printed out and signed and returned. Are you at all able to access a printer at all, or is it better if we post the document to you? Yep.\n\nYep. That's okay. We'll just note down the sections that are applicable for having the loading removed or reviewed, and we'll get you just to double check the information that we have on the document. If there is anything to update or have altered, just let us know. More than happy to do so.\n\nJust going back into your original application just to see what we had noted. It's a little bit of work to have the loading removed, but it's worthwhile if they go through and remove the loading for you. It makes the policy cheaper, so it might be worthwhile definitely doing, especially as you mentioned those heart palpitations. You haven't had those since that policy was placed in force. Everything has been really good since then.\n\nIs that changed at all? Yep. Yep. Beautiful. So it's definitely worth having those loadings reviewed.\n\nIf they come back and say they're not going to remove them now, at least we've tried, There's always a risk of that occurring, but, you know, the good side of it is they may come back and go, hey. Yeah. Look. We've we can remove these loadings now and hopefully make the policy a bit cheaper for you, which would be only to your benefit and your super. I've got the doctor's details.\n\nOh, sorry. This application form is a bit long. Where are we? Information. Okay.\n\nSo I've got the medical clinic or the clinic for them to utilize as KC Medical Center Craneborn. Is that still the correct medical center that they would be able to obtain those documents from in relation to the heart palpitations? Yep. Yep. Yep.\n\nYep. No. That's okay. It doesn't have a doctor noted. It just says doctor's name unknown.\n\nIt's just got the medical practice there. But if they to those reports originally, that's that's on your original sender or MLC application. I do have the other one from when we did try to go through the AIA application, and that, I believe, has a different one. Yeah. That one there has a Broad Oak Medical yeah.\n\nBroad Oak Medical at Craneborn East on it. Yep. Okay. Yep. Yep.\n\nThat's okay. So that'll be the broad Broad Oak Medical. Perfect. I'll I'll put that information on that application there for you. We'll get that the the insurance application sorted and prefilled for you, and then my team will email us through if you can just sort of print it out.\n\nI'll find out if they do allow it to be electronically signed. If they do, we'll be able to send it electronically for you. I just know sometimes these are preferred the wet sign. Either way, we'll find out how it can be signed. We'll send it through to you.\n\nI'll prefill it with as much information as possible. If there are any sections that we just need you to fill out for us, we will just have those noted with a little text box. And then once that's signed, we can send it back to a sender, and we can have them reassess the loadings for you to see if they can, you know, remove those for the heart palpitations and try to make your policy about 50% cheaper for you. Okay? Yep.\n\nBeautiful. All good. At the moment, the policy for this year currently, you have paid around about $4,903.39. You'll see on that policy or on that document there, the top number, the $5,007.68, that's how much the insurer has received for the policy, but you do get a 15 percent discount because you're paying it out out of your super fund. So you've only paid the bottom figure there.\n\nOkay? It's still quite a lot, but it is a little bit of a discount. So we'll take whatever discounts we can get in the short term. Yeah. Work wise, how's everything going?\n\nBecause I can see that the contributions were going into your sleep up until about July this year. Have you been working since then? Have you just dropped hours? What sort of have been happening work wise for you? That's actually exciting.\n\nFantastic. Beautiful. Of course. Yeah. Yep.\n\nOkay. Well, I'm very sorry that you're going through things. It's definitely could be very difficult. Are you still technically employed in the same role that you were? Are you planning to kinda go back and do any work?\n\nAre you looking for a new job? What's kind of on the horizon for you? Mhmm. Yep. Yep.\n\nYeah. Perfect. I love that. Yeah. That's okay.\n\nAll good. So, realistically, for me updating advice and reflecting things accurately in your circumstances, would you prefer me to keep your title as disability support worker, or what would you prefer me to keep your employment title as currently? That's okay. Yep. Beautiful.\n\nIt's just there's no real benefit. It's more just me being accurate on the documentation that I provide for you. That's all just making sure that I've got accuracy around it. Yeah. Yeah.\n\nThat's okay. All good. And you're also working casually at the moment. Is that right? Yep.\n\nYep. Do you have any are you sort of doing a regular couple of shifts every week or so, or is it just sporadically here and there as things pop up as you're comfortable taking work? Yep. That's okay. Yep.\n\nBeautiful. Well, congratulations on starting that set three. How are you enjoying it? I love that. Yeah.\n\nAnd you sorta maybe hoping to go into that IT space down the track. Is that sort of where your interest lies career wise? Yeah. Yeah. Yeah.\n\nWell, that's fantastic. I definitely wanna keep up to date with you and see how that's going. I know one of the things is and, look, I can speak from experience. When you work and do what you you're passionate about, you tend to not work a day in your life. I work some shocking hours, but I love what I do, and I love helping people and looking at investments and building people super and and working towards their goals.\n\nSo if you find something you're passionate about, no matter how hard it is, please do hold on to that because it makes the world of difference when you go to work every day. That's for sure. Yeah. I think look. Looking at everything for you, you're about essentially oh, you're a little bit older than me.\n\nNot much. But, realistically, look. I'm in my forties now, and I'm feel well and truly too old to be, you know, not enjoying what I do on a regular basis. And and you know? So I'm sure you feel probably the same way.\n\nYeah. Beautiful. Fantastic. Oh, I love that you're doing that. And how long does the set three sorta take to complete?\n\nYeah. Perfect. I love that. No worries at all. All good.\n\nSo the other things I do have to touch base on are things like income protection and trauma. In the past, we've touched on those, what they are, how they can provide for you. Realistically, given your current changes to work, and I do apologize, I need to be honest at times as well, because you are working casually and very sporadically at the moment, income protection's generally not on offer at the moment for insurance wise. And adding adding new insurances can obviously make the premiums more expensive, which I know is a big concern of yours as well. Are you wanting to look down the track maybe getting some income protection and covering you in that way, or are you just happy with the life and TBD and wanna save money and build wealth outside of super to cover the gap?\n\nWhat's your thoughts there? And if you have more questions, you can let me know. Yeah. Yep. No.\n\nThat's okay. Absolutely fine. It's not a problem at all. And you because you've taken a bit of time off work, just sort of clarifying. Do you have a bit of savings that you've been able to fall back on to sort of help been working full time and and to give you a bit of extra expenditure?\n\nYep. Yep. Beautiful. Yep. Absolutely.\n\nBeautiful. And how much would you say you still have in savings just so I can update all your assets and liabilities? Okay. About 3,000 left. Lovely.\n\nThere we go. Well, if I happen to win a lotto, I'll let you know. Promise. Haven't yet, but you never know. Absolutely.\n\nWhen you think about income and I know it's probably hard to sort of determine now. We had you earning around about a 71,000 per year over the last couple of years. When you think about the fact that your casual now just taking work when when it's on offer and when you wanna take work, do you feel like there's an income that you're probably going to have earned for this year, or are you just wanting me to leave that blank for the time being? What would you say about the income aspect? Yep.\n\nYeah. Yeah. Yeah. Or even this financial year, are you sort of thinking income you might take a bit more work and you might be able to make that 70 odd thousand again this year, or do you think that might be you're just not really sure what's to come that it could be up in the air? Yep.\n\nYep. Yep. Yep. No. That's okay.\n\nWhen we think about because with the employer contributions, we haven't sort of seen any employer contributions going into the super since July. I wanted to sort of look at updating the advice. And if you go to the next document there, you can see all the individual investments within your super fund. But there are a few that are a little bit down this year, so markets have been up and down with everything that's been going on globally. And a few of those investments I wanted to look at, maybe replace them.\n\nTo give you a little bit of an idea of what I've been sort of thinking about doing to help you along is you've got the first investment there, the Benelong Australian Equities. Now that investment is more of an actively managed fund. Within a portfolio, you do tend to pay a little bit more in fees to be able to have those sorts of managers in there. If you are open to, I could look at maybe removing that out because it is underperforming a little bit within your portfolio, and I could look at replacing that with a maybe a cheaper investment to lower the investment fees a little bit for you. Is that something you'd like me to look at?\n\nSo BANALON yeah. With the new one, I wanted to replace BANALON with? Yeah. Absolutely. So, Ben along that investment has had some underlying issues.\n\nThe investment manager hasn't been able to outperform against the market, essentially, and that's what an active manager is trying to do. They're trying to buy and sell and pick investments and time the market. And they don't always outperform against the market. There is a bit more risk with those because you they are you know, they tend to underperform more often than not. With the other investments I'm looking at replacing it with, it's more of a passive fund.\n\nSo it tracks a certain indices. It should have a bit more investments. It might be tracking, you know, two or 500 different investments, so it provides more diversification. We'll obviously replace it if it's been performing better than what Bennelong has over the past couple of years as well. So we do look at past performance to sort of see what can be expected in the future.\n\nBut, yeah, it's also cheaper. So saving on, you know, investment fees and things like that could also mean less money going out of your fund, which means more money staying in your super, which could provide benefit down the track. No. This report doesn't. This report looks at your super, how much is essentially, how much you had last year, the buyers, the sales, the market value, the income.\n\nIt's an internal rate of return port, so it doesn't necessarily tell you everything has been going out. It's about what's being generated within the report as in or within the fund, essentially, how the investments have performed. Yeah. But essentially, how the investments have performed. Yeah.\n\nBut if you like, I could update the advice to reflect that and show you what that would look like. Yeah. I correlate all yeah. Yeah. I correlate all of that as part of the advice document.\n\nIf you remember back to the last advice document I did, we provide that projection table, which outlines the admin fees, investment fees, and all those sorts of things for the different portfolios that we are recommending. Yeah. So I can do something very similar for you. I can make a recommendation on altering these investments. I'll show you your current scenarios, your current projected outcome with the current portfolio you're in, and also what I'm recommending side by side so you have that comparison in the advice document to kind of make your decision.\n\nDoes that sound like something you'd be open to? No. No. That's what you pay us for. Absolutely.\n\nDefinitely. Yeah. Never too much trouble. Absolutely. I'll do that for you.\n\nYeah. Yes. Yep. Yes. Yeah.\n\nI can certainly show you what that looks like. If you go to the next document for me, you've got the 2026 Vanguard index chart there. Yeah. So this shows you how the markets have reacted over the past thirty years. So when we sort of look at different investments, and I think what you're sort of finding out is whether whether the passive investments can obtain the same sort of growth that that active managers can obtain.\n\nIs that sort of what you're asking? Yeah. Yeah. Absolutely. So with this sort of investment, this is tracking how the market has performed in different investments.\n\nSo one of the things that we look at when we are investing, and there's different ways to do so, the first thing is growth and defensive investments. So on the side here, you'll see US shares, Australian shares, international shares, and listed property. These are all growth assets. Within a portfolio, you can have actively managed managed funds like a Bannalong and Alfiniti and loads lots of other ones out there, and they are all growth assets. You can also have passive investments.\n\nAnd within your portfolio at the moment, you've also got the S and P 500, so the iShares S and P 500 ETF. Now that investment is still a growth investment. It still fits in this US shares and international shares spectrum. It's still a growth asset that, like, gets really good returns, but it's also a passive man passively managed fund in the way that the investment committee is just tracking the top 500 companies on The US. It's tracking the index to the S and P 500.\n\nThat makes the investment cheaper to hold because they're not buying and selling within the investment as much. They're just tracking the industry. However, the the maker of the indices of the S and P 500, they meet every quarter, and certain companies in order to be in the S and P 500 actually have to meet a certain criteria. If a company no longer meets that criteria, they are removed from the index, and therefore, they are also moved from the S and P 500 investments that are tracking that indices. So it's kind of a flow on effect.\n\nBut the main difference between passive passively managed funds and actively managed funds is that passively managed funds are tracking a certain index or the market as a whole. There's less trading going on. And longer term, when you think about the last sort of thirty or forty years, quite often, bidding in a passively managed fund actually outperforms an active manager because an active investment manager is trying to pick and time the market. They're trying to choose what investments to buy, when to buy into them, how much to buy into them, and they're trying to outperform against the market. So they're trying to show that they're smarter than the market as a whole.\n\nThe problem we have with people trying to trade against the market and, you know, try to outperform against the market is that 99% of what happens in the market is human emotion, and you sort of know that yourself. When you sort of look at the markets going up and down, when we see the green numbers and we see that the market's going up and we've made money, it makes us feel really good that we're doing that things are working really well, and we're happy with that. However, when the market takes a little bit of a dip, we tend to feel a little bit nervous that can you you know we don't like to see the red numbers. We don't like to see things going down. It can make us feel very nervous, especially as we get closer to accessing our super.\n\nSo that's the same as everybody else that invests. When someone sees something going down, well, I hear news that's concerning, they may start to sell. Then somebody else does the same thing. Then somebody else does the same thing, and it starts a big flow on effect. And that's where those big sales come from.\n\nIt starts where someone or, you know, a few people start to sell off because, yeah, people hear things that make them concerned. They sell the investments, try and submit to take those gains that they've made. And then other people see the investment going down, and they get a bit weary and concerned, and they start to sell as well. My job is to stop you from making those sorts of sales. Because as the investment is going down, the more people that sell that investment, they start to submit they start to cement those losses where they're not making any money.\n\nAnd if you're continuously selling investments when they're decreasing in value, then well, when the market's going down, then you're never actually gonna make any money. What we try to look at doing with you is keeping you invested through those downtimes, keep those contributions going in when they are. And it's not just the contributions. It's also the income. So the investments that we invest you in, they produce dividends.\n\nThose dividends are paid into your cash account and reinvested back into your portfolio, and that also helps with the compounding effect of reinvesting. And income is still a good a good way to produce growth and keep your super working harder even when you're maybe not working or not getting contributions. So your super still can work, albeit contributions are still better to put in there to help it along. But when it isn't getting contributions for a time, as long as you're able to get income on a regular basis and reinvest that income, your super can still work and grow. But, essentially, we wanna stop you from sort of making those rash decisions and selling when the market is going down because we want you to hold through that time.\n\nAnd with your portfolio at the moment, you're in that high growth environment that generally sees when you look at this report here, that sees 90% of your super invested in US shares, Australian shares, international shares, and listed property. That's 90% in those higher risk investments that can get greater potential returns over the longer term, but do see the ups and downs in the short term, which makes us feel very nervous. And then you also see around about 10% in low risk defensive investments. So if you look at the bottom, that's like bonds. Essentially, you'll see the bonds over the last thirty years averaged about 5.2%.\n\nIt's a much smaller return, but it hasn't gone up and down as drastically. That line is fairly steady. So you have some growth assets, some defensive in assets that makes up the risk level of your portfolio. But then the other layer to your risk level is whether you're having active managers in there, passive managers in there, or how your portfolio is structured and diversifying. So spreading your risk level across lots of different countries, different industries, different asset classes as well.\n\nDoes that make sense? Do you have more questions? You're welcome to let me know if you do. Yeah. Yeah.\n\nMhmm. Yeah. Yeah. So the yeah. So you do that's part of the investment phase, essentially, when you're investing into a portfolio or into a manager.\n\nAnd that's where if you wanted to look at something a bit cheaper, I could look at keeping you in that high growth environment as long as you're still comfortable with that. And, also, just alter your portfolio so that we maybe have some cheaper investments, which might reduce your investment fees, but still provide good performance over the longer term. Yeah. Yep. Yep.\n\nAbsolutely. That's okay. I do have a couple of different options that I've sort of been looking at. One of them is a wholly passive fund, which has good returns in the past. It can definitely lower your investment fees fairly significantly.\n\nOr I do have a portfolio that has a little bit of active management in it. Which way would you prefer to go investment wise? Do you wanna see a little bit of active management but try to reduce fees where possible, or would you like to go full passively managed fund and try to reduce fees as much as possible? What would you prefer? Yeah.\n\nThe downturn wasn't overly bad. It was only I think we only really dropped about a three percent drop. So the market is still very heavily overvalued. It's still doing quite well. We have seen the ups and downs this year, but as a whole, we're still seeing a lot of growth there.\n\nMy job as the adviser, unfortunately, is to make the recommendation and choose one of the options that suits your goals. So I don't provide the advice giving you the two different portfolios and letting you choose which one's preferable. I've gotta kind of make that recommendation for you. I personally sort of talking from where you are. The way I sort of see things for yourself is, I mean, looking at your age at the moment, are you still wanting to access super around about 60 or 65?\n\nWhat is your goal there at the moment for accessing your super? Yep. Yep. Well, you can actually access super from the age of 60. As long as you are fully retired, they'll let you access all of your funds completely tax free.\n\nThe alternative is 65. They'll release your funds a 100% tax free regardless of whether you're working or not. And currently, the age 67 is if you're eligible able to access the the age pension. So, realistically, you could retire from 60 onwards if you would like to. But if you're happy with 65, are you comfortable with me leaving that as your goal for the time being?\n\nYep. That's okay. So just sort of talking about where things are at, I think one of the things that feels really important to you, and please correct me if I'm wrong, but it feels that the fee aspect is probably the biggest thing because you are working casually. Haven't really got contributions going, and reducing fees as much as possible feels like it's more appropriate to you. Are you am I on the right track with that?\n\nIs there anything that you would alter or change or correct me if I'm wrong. Yeah. Yeah. You yeah. Absolutely.\n\nMhmm. Yeah. I mean, we can still definitely keep you in the high growth risk profile. Keep that asset allocation. That's no problem, but still reduce fees and and try to make the portfolio cheaper.\n\nI definitely have some ways that I can incorporate that for you. I'm just sort of looking at the way I sort of see things for you. And please, as I said, correct me if I'm wrong, but I feel like going in a bit more of that passive direction, lowering the risk of your portfolio as much as possible, keeping you with that high growth asset allocation, and lowering fees as much as we possibly can feels like it's more the right direction for you, especially as, you know, you're not contributing as much at the moment, but also focusing on income production within those investments, trying to get as much income out of them as possible. Am I on the right track? Is there anything you would change with that?\n\nYep. Investment. Yep. Mhmm. Yep.\n\nAbsolutely. I like that. Fantastic. Well, that's what I'll sort of focus on looking at for you. I do know you sort of made mention to me that you wanna stay in that high growth environment a little bit longer.\n\nAnd, realistically, you absolutely can. That high growth portfolio happily suit someone who has at least eight years before accessing their super. You do have that ahead of you. It is absolutely fine. The only set of questions I would ask just to sort of gauge your risk tolerance there is the first one here is basically asking how much risk do you think you're comfortable taking in order to get those higher potential returns.\n\nAre you comfortable taking the highest level of risk? Are you comfortable with setting a medium or moderate amount of risk or no risk knowing the returns are lower. You can go in between those if you'd like to as well. Where do you think you fit on that scale? Yep.\n\nYep. Absolutely. The next one here is is if we did see a large market dip in the future and your portfolio fell by, say, 20%, how do you think you might be feeling? Are you possibly taking it as a buying opportunity and putting some more money into the market? Are you a bit concerned?\n\nYou'll maybe hold and wait and call us and see what we suggest you do, or are you feeling a little bit more anxious and wanting to maybe sell the investments to cash? How do you think you might react? Yep. Maybe call us. Yep.\n\nYep. That's okay. Not a problem at all. And the last one here is seeing market drop. So seeing your portfolio take a bit of a dip due to what's happening globally, do you feel a bit optimistic about the investment opportunities?\n\nAre you feeling a bit cautious, concerned, or anxious about the ups and downs in the market? How do you think you might feel? That's okay. When you think about market dips due to what's happening globally, do you think when you see your super falling value because of what's happening so say Trump went out and tweeted something tomorrow when we saw a market dip again. Are you feeling optimistic about the investment opportunities?\n\nAre you cautious, concerned, or feeling very anxious? How do you think you might feel? Yep. Yep. No.\n\nThat's okay. Absolutely fine. Beautiful. Fantastic. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever borrow from a bank or financial institution in order to, say, buy property?\n\nWhat do you think about that? Yep. Yep. That's okay. Excellent.\n\nThank you for that. Now you have still scored in that high growth environment. And as I kinda may have mentioned, you've got more than ten years before you're wanting to access your super. That high growth environment does suit someone who's got about eight years. Essentially, you are looking to try and obtain, you know, around about and this is just a risk profile return.\n\nWe obviously wanna get the best we can out of our super, but, you know, compounding about a eight to 10% on a yearly basis can get you a really good position at high growth environment, and we do expect a negative a negative year around about one in every five years as an expectation. Do you still feel fairly comfortable within that sort of environment? Yeah. Beautiful. Do you have any questions about any of that at all, so far, Jay, for me?\n\nNo? That's okay. Beautiful. So just kind of looking at that last document, what I'd sort of like to do is maybe look at replacing the Bannalong. I can also see a couple of other investments in there that could definitely have a bit of an update, you know, within your portfolio that the India investment hasn't really held strong this year.\n\nIt's showing a little bit down, and the government is phasing out some of those bank hybrids down the track as well. So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming investments. Does that make sense? Are you comfortable with that? Do you have any questions at all?\n\nThat's okay. Yeah. Beautiful. Fantastic. The next login along in that pack, if you continue to scroll for me, is the Ascendant Certificate of Currency, and that just outlines a bit more detail around your insurance policy through a sender who was MLC and a bit more detail there.\n\nSo we'll get that form done to review your loadings for you. Okay? Excellent. The next document along is the financial services guide for Oakview Financial, and I've given you a couple of these now. This outlines everything about who we are, what we do, and how we do it, and, obviously, the fee structure and everything moving forward there for you.\n\nOkay? Excellent. And the last document attached is the ongoing service agreement for our services. Obviously, to be a client and have us provide financial advice and work towards your goals, you do pay us an ongoing service fee. It is 1.65% per annum.\n\nMoving forward, we will have more of a tiered structure. So once your balance gets over that $200,000 mark, we will start to reduce the percentage down. So moving forward, essentially, once your super balance hits that 200,000, you move into the next tier down, which means your balance over 200,000 drops into the tier of one 0.1375. And then once your balance is 500,000, you drop into the next tier and so on. So each tier will have a lower percentage of fee.\n\nThe idea is we wanna keep things working harder and grow, but we still also have to charge for our services as a professional advice service there. The the ongoing service fee currently because your balance is under that 200,000, it is set at that 1.65%. You've just got on the fee agreement here, the expectation of how much we will see for our services this year is $3,213.64 there. That's showing you what the expectation is for the ongoing service fee. I wanna make sure your super is working as hard as possible there.\n\nAnd in order for us to provide our services and look after everything for you, we do have to get this signed and returned. So I know there was a bit of concern around the ongoing service fees. Obviously, I wanna make sure that your super is making our fees plus additional growth on top of that. We understand that, obviously, it could be years where that doesn't happen because of how markets react over time. But if you're making enough over, you know, the longer term and seeing your balance increase, it does make the services worthwhile for you.\n\nDo you have any questions about that? Does that make sense to you? Is there anything you kind of wanted to ask me? Yeah. Yep.\n\nYeah. Yep. Yeah. Yeah. No.\n\nThat's okay. No. That's understandable. Absolutely. And I wanna make sure that you're getting the value out of that as well.\n\nSo because there's a lot changing and going on in your life, we'll make sure that I update this advice for you in the next few weeks, and then we'll come back and do a catch up, you know, every three to six months depending on what you're comfortable with, and we can just keep reviewing things moving forward for you. How does that sound? Yep. That's okay. Not a problem at all.\n\nThat is essentially all the documents in there, so you're welcome to take them back and have a good review of the documents. Once you're comfortable with doing so, I'll get you to sign and return those back just so I can move forward and provide the advice for you. I just needed to update a couple of additional things for you here as well. So when I'm looking at the advice, because you are working casually, and we're not really sure of what kind of contributions are expected in the fund over the next sort of couple of months, I'd like to update the advice and maybe consider no additional super contributions going in. That way, we can sort of look at what, you know, the expectation is around the growth need and that sort of thing with the portfolio and how that looks as a whole minus contributions.\n\nAre you comfortable with that? Is there any, you know, set amount you'd be comfortable putting in the super? What's your thoughts around that? Yeah. Yeah.\n\nBecause we normally have projected projected outcomes, we normally account for your ongoing employer contributions. But because you're working very casually at the moment and there's no real set contributions going in, it does make it hard to kind of predict what those are going to be moving forward. So I sort of wanted to look at maybe not accounting for any contributions, but look at the projected out the projection table based on your current portfolio plus what we're recommending with no contributions going in. Alternatively, if you wanted to maybe look at making some contributions out of your savings, I could, you know, recommend, you know, 20 a week or 50 a fortnight or a month. Is there anything what would what do you think about that?\n\nYep. Yeah. Yep. Yep. Absolutely.\n\nYeah. Definitely. And if if you do have yeah. Of course. And if if you do find that you are starting to get contributions in or taking on more regular work, if you could just let me know prior to the next call, that'd be fabulous, and I can always just go back and update that for you.\n\nIt's not a problem at all. Okay? Excellent. That's okay. Not a problem at all.\n\nThe other things I had here to note down was your we had two cars noted. I do apologize. I don't have it doesn't say what cars they are. But your car, one of them was valued at 10,000 last year. With your vehicles, which one would you value at 10,000, and what kind of car is it?\n\nYep. Let's get rid of that. That's absolutely fine. Yeah. Yep.\n\nYep. Beautiful. Yep. Beautiful. And do you have a loan on that vehicle, or is it owned outright?\n\nOkay. I think that's the one we had last year. We had about 19,000 owing on it. How much do you owe on the car now? Yeah.\n\nNope. That's okay. I've got your savings noted down here, and you're renting where you are currently at the moment. How much rent are you paying on a weekly or fortnightly basis? 200 per week.\n\nBeautiful. And is there any other assets or liabilities or anything else you would not wanna note down on here? Yep. Yep. That's okay.\n\nHow much are you paying at the moment? I'm so sorry, Jay. The phone just cut out a little bit. How much are you paying per month at the moment? 300.\n\nPerfect. I'm so sorry. I was trying to hear what what it was, and I missed it. I'm so sorry about that. Per month.\n\nNo. That's okay. Look. We've done well. We've kept it going through the entire time.\n\nIt's fantastic. It's fantastic. Excellent. And I've just also got down here that we don't have you haven't had a will or power of attorney drawn up with a solicitor. Have you thought more about doing that since our last conversation, speaking to a solicitor, having a will, power of attorney, and things drawn up?\n\nNo. No. That's okay. It is definitely something to consider doing. Yeah.\n\nJust making sure that, you know, if anything happened to you, that everything you've worked hard for, I know it doesn't feel like a lot, but when you think about your savings account, your cars, any family heirlooms, or things that you own that you might want directed to a certain person, having your will drawn up can do that for you. There are also state trustees that can drop wills online or over the phone just as easily. I can find out the information in regards to your state if you like and email that through to you just as a bit of a general email. Would you like that information? No.\n\nThat's okay. Yep. Absolutely. And I've got your beneficiary nominations on your super and your life insurance. So 50% paid to Dylan and Toby in the event that anything happens to split to both your children.\n\nIs that still how you want that set up? Yep. Yep. Absolutely. Perfect.\n\nWell, that's basically everything there. Thank you so much for your time. The only other thing I sorta wanted to touch base on, I'm looking at, you know, your retirement age at age 65 currently. From everything we've discussed, we'll go back and review the super, remove any underperforming investors, and look at updating things, reducing fees within the portfolio a bit, look at no additional contributions into the fund, and look at what that can do moving forward to assist you. You're happy with your life and TPD, not wanting to look at any additional insurances at the moment.\n\nIs there any other goals in the short term or medium term that you wanted me to sort of note down for you? Or no? No. That's okay. I've I've put down here that you are continuing to study and in the medium term looking to, you know, possibly have a career change.\n\nObviously, we can't provide advice around that currently, but is that something that yeah. That's sort of still a medium term goal there for you? Yeah. Beautiful. Excellent.\n\nLovely. Is there anything else that you might sorta have down that you might wanna know as a goal? Doesn't have to be financial. It can be anything at all. No.\n\nThat's okay. Yep. Absolutely. Beautiful. Not a problem.\n\nAnd in the short term, we'll get that form done up for the insurer for a sender there to see if we can have that loading re reviewed for you as well. Okay? No problem at all. Thank you so much for your time this morning, Jay. I really appreciate it.\n\nI want to bring your annual review forward, really look at things for you and update the advice. I know you you have had some concerns over the past, so I wanna make sure that we're supporting you and alleviating those where possible. I will book you in now to go through that advice document in a couple of weeks there. Do you know sort of what the calendar might look like? Are you happy with me rebooking that time now for you in a few weeks?\n\nYep. Yeah. Absolutely. So now I am taking a little bit of a break. I'm so sorry.\n\nI'm taking my son away in the next two weeks, but I will be back early so the last week of September, early October. Just looking at the time frame to do the research for you. I could book you in on Wednesday, October 7. Would that be okay that we do the same time, 08:00 in the morning to go through the advice? Fantastic.\n\nI'll add a little text message reminder there for your day. So it does remind you on the or the day before that, I'll be giving you a call. If anything does come up, please do let me know. Not a problem at all. And in the meantime, I'll go and do that research and update the advice, and we'll go through things to reflect.\n\nOkay? Yep. So oh, okay. No. Not a problem.\n\nThat'll actually be 10:10 thirty my time, which I do have an appointment already booked for. Could I maybe make it the no. That's okay. Could I maybe make it the the the Thursday morning instead? And I could happily do the the later time for you.\n\nYep. That's okay. And did you did you want 08:00 your time? Or yep. Beautiful.\n\nThat's 09:00 my time. So I'll pop that in there for you. Sorry about that. Daylight savings will have started at that time, so we're back to it. Beautiful.\n\nI've booked that one in for you. I'll send a text message reminder so it'll let you know that I'm calling. If anything does come up, you're welcome to let me know. Okay? My pleasure.\n\nThank you so much, Jay. I'll just get you to review those documents in there, and then when you're comfortable to get you to sign and return the annual review documents back to me. I really appreciate your time today. Easy. Thank you so much, Jay.\n\nI'll talk to you in a couple of weeks. Thank you so much. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jay.","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":0.1195911094546318},{"text":"This is Dana from OQ Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.1549196094274521},{"text":"How are you this morning?","start":6.96,"end":8.1,"sentiment":"neutral","sentiment_score":0.21203650534152985},{"text":"I'm very well.","start":10.559999,"end":11.44,"sentiment":"positive","sentiment_score":0.603784461816152},{"text":"Thank you.","start":11.44,"end":11.92,"sentiment":"positive","sentiment_score":0.6406391561031342}],"sentiment":"neutral","sentiment_score":0.29563967221313053,"num_words":18,"start":4.72,"end":11.92},{"sentences":[{"text":"I had you booked in to go through your annual review this morning.","start":12.08,"end":14.559999,"sentiment":"neutral","sentiment_score":0.18167047661084396},{"text":"Is now still a good time there for you?","start":14.559999,"end":19.095001,"sentiment":"neutral","sentiment_score":0.25508589670062065},{"text":"Fantastic.","start":19.095001,"end":19.595001,"sentiment":"positive","sentiment_score":0.5783735513687134},{"text":"How's everything been going for you as as of late since our last catch up?","start":19.815,"end":24.075,"sentiment":"positive","sentiment_score":0.3363187362750371},{"text":"Yep.","start":31.88,"end":32.379997,"sentiment":"neutral","sentiment_score":0.0063369921408593655}],"sentiment":"neutral","sentiment_score":0.26376873984312016,"num_words":39,"start":12.08,"end":32.379997},{"sentences":[{"text":"Fantastic.","start":47.765,"end":48.265,"sentiment":"positive","sentiment_score":0.5842806100845337},{"text":"Well, I'll go through that with you today because I've had a bit of a look at things.","start":48.405,"end":51.125,"sentiment":"neutral","sentiment_score":0.2347450719939338},{"text":"I definitely can see some advice that can be provided to update things.","start":51.125,"end":54.64,"sentiment":"neutral","sentiment_score":0.2689201052372272},{"text":"It is important to update the portfolio regularly as things change, and I can see some areas that we could definitely look to update for you advice wise.","start":54.64,"end":62.42,"sentiment":"neutral","sentiment_score":0.21080180816352367},{"text":"Normally, I also send through your annual review documents for you to go through with me.","start":63.519997,"end":68.0,"sentiment":"neutral","sentiment_score":0.07089314237236977}],"sentiment":"neutral","sentiment_score":0.20187360763941942,"num_words":76,"start":47.765,"end":68.0},{"sentences":[{"text":"Are you able to access your emails currently at all?","start":68.0,"end":73.795,"sentiment":"neutral","sentiment_score":0.01796859474852681},{"text":"That's okay.","start":88.43,"end":89.23,"sentiment":"neutral","sentiment_score":0.02000061236321926},{"text":"If you can't, it's not an issue.","start":89.23,"end":90.990005,"sentiment":"neutral","sentiment_score":0.010564742343766349},{"text":"I can go through things with you, update everything, and look at the advice that I wanted to sort of help you out with there.","start":90.990005,"end":96.37,"sentiment":"neutral","sentiment_score":0.1609662064909935},{"text":"And then you're able to have a look at those documents again a little bit later on if you'd like.","start":97.265,"end":101.104996,"sentiment":"neutral","sentiment_score":0.10057970732450486}],"sentiment":"neutral","sentiment_score":0.09889671370910946,"num_words":64,"start":68.0,"end":101.104996},{"sentences":[{"text":"It's up to you.","start":101.104996,"end":102.244995,"sentiment":"neutral","sentiment_score":0.05606447532773018},{"text":"That's the one.","start":108.384995,"end":109.104996,"sentiment":"neutral","sentiment_score":-0.026955437536040943},{"text":"Yeah.","start":109.104996,"end":109.34499,"sentiment":"neutral","sentiment_score":0.009639681316912174},{"text":"So it's got the annual review documents in there.","start":109.34499,"end":111.31,"sentiment":"neutral","sentiment_score":0.01059210528102186},{"text":"When you open the email there, it does ask you to click the button that says to sign, but it doesn't ask you to sign anything until you've gone through and read it all.","start":111.31,"end":118.67,"sentiment":"neutral","sentiment_score":0.014813651988173233}],"sentiment":"neutral","sentiment_score":0.014745576179348956,"num_words":51,"start":101.104996,"end":118.67},{"sentences":[{"text":"It's just so you can move forward and review each of the documents themselves.","start":118.67,"end":122.05,"sentiment":"neutral","sentiment_score":0.10405887823019709},{"text":"So before I jump into the call and go through things, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":122.745,"end":128.985,"sentiment":"neutral","sentiment_score":0.10034312581022581},{"text":"Are you happy for me to proceed with that moving forward?","start":128.985,"end":131.405,"sentiment":"neutral","sentiment_score":0.3030960654670542},{"text":"Fantastic.","start":133.465,"end":133.965,"sentiment":"positive","sentiment_score":0.7042610049247742},{"text":"And just to do security there with you as well, just to confirm your full name, your date of birth, address that I should have on file.","start":134.265,"end":139.7,"sentiment":"neutral","sentiment_score":0.2145199422483091}],"sentiment":"neutral","sentiment_score":0.17225872572646084,"num_words":83,"start":118.67,"end":139.7},{"sentences":[{"text":"Yep.","start":143.44,"end":143.94,"sentiment":"neutral","sentiment_score":0.05558818578720093},{"text":"Yes.","start":146.08,"end":146.48,"sentiment":"neutral","sentiment_score":0.10476703196763992},{"text":"Beautiful.","start":146.48,"end":146.98,"sentiment":"neutral","sentiment_score":0.29858797788619995},{"text":"Yes, please.","start":147.68,"end":148.4,"sentiment":"neutral","sentiment_score":0.0638431403785944},{"text":"Yeah.","start":148.4,"end":148.9,"sentiment":"neutral","sentiment_score":0.05527452379465103}],"sentiment":"neutral","sentiment_score":0.10698400003214677,"num_words":6,"start":143.44,"end":148.9},{"sentences":[{"text":"Beautiful.","start":153.44,"end":153.94,"sentiment":"neutral","sentiment_score":0.30250564217567444},{"text":"Lovely.","start":157.49501,"end":157.895,"sentiment":"positive","sentiment_score":0.5355793237686157},{"text":"Thank you so much for that.","start":157.895,"end":159.595,"sentiment":"positive","sentiment_score":0.6898695230484009},{"text":"Now it's a when you're looking at the document there, just let me know when you can see the first one.","start":159.815,"end":165.015,"sentiment":"neutral","sentiment_score":0.1389581866207577},{"text":"The first one, they should say summary of superannuation and insurances.","start":165.015,"end":168.07501,"sentiment":"neutral","sentiment_score":0.07372643392194402}],"sentiment":"neutral","sentiment_score":0.21766036991029977,"num_words":40,"start":153.44,"end":168.07501},{"sentences":[{"text":"You can see it.","start":173.01999,"end":173.73999,"sentiment":"neutral","sentiment_score":0.13589193671941757},{"text":"Perfect.","start":173.73999,"end":174.14,"sentiment":"positive","sentiment_score":0.4551030695438385},{"text":"So you've got your updated balance sitting there.","start":174.14,"end":176.37999,"sentiment":"neutral","sentiment_score":0.21756628714501858},{"text":"We're sitting at a $185,491.51 there.","start":176.37999,"end":181.35999,"sentiment":"neutral","sentiment_score":0.11770093068480492},{"text":"Just to sort of look back at your balance this time last year, you were sitting around about a $179,961.49 there.","start":181.52501,"end":190.24501,"sentiment":"neutral","sentiment_score":0.05046072433746997}],"sentiment":"neutral","sentiment_score":0.11262704771943391,"num_words":40,"start":173.01999,"end":190.24501},{"sentences":[{"text":"So your balance has definitely increased with everything.","start":190.24501,"end":193.545,"sentiment":"neutral","sentiment_score":0.25574569404125214},{"text":"When we look at over the past twelve months, the earnings and the growth within the portfolio, essentially, you've made $11,195 and $44.44 cents over the past twelve months when we consider growth and income there.","start":194.03,"end":208.67,"sentiment":"neutral","sentiment_score":0.05956156603578064},{"text":"So your portfolio is still working, albeit the return is a bit lower than where we sort of like it to be.","start":208.67,"end":214.335,"sentiment":"neutral","sentiment_score":-0.10975039343942296},{"text":"Obviously, contributions are a bit lower at the moment there as well, and that's okay.","start":214.71501,"end":219.35501,"sentiment":"neutral","sentiment_score":-0.17540746082862219},{"text":"That's understandable.","start":219.35501,"end":220.015,"sentiment":"neutral","sentiment_score":-0.10718568414449692}],"sentiment":"neutral","sentiment_score":-0.012889277189970016,"num_words":83,"start":190.24501,"end":220.015},{"sentences":[{"text":"You go through periods of and downs within the portfolios.","start":220.155,"end":222.84999,"sentiment":"neutral","sentiment_score":-0.08738172426819801},{"text":"Every super fund, every investment has those ups and downs, but you still have come out with growth and still are moving ahead.","start":222.98999,"end":230.03,"sentiment":"neutral","sentiment_score":0.06595863735951159},{"text":"So the growth is a little bit slower this last twelve months, but it is still moving forward.","start":230.03,"end":234.11,"sentiment":"neutral","sentiment_score":0.009859511835707558},{"text":"It is still continuing.","start":234.11,"end":235.17,"sentiment":"neutral","sentiment_score":0.23618653789162636},{"text":"And I've had a bit of a look, and there are some things that I'd like to be able to update for you if you'd like the advice to do so to maybe alter the portfolio, maybe replace some of the investments, and see if we can get it working a little bit harder for the next twelve months onwards for you.","start":236.275,"end":250.18999,"sentiment":"neutral","sentiment_score":0.015747631178988565}],"sentiment":"neutral","sentiment_score":0.023434204395669393,"num_words":117,"start":220.155,"end":250.18999},{"sentences":[{"text":"Yeah.","start":252.40999,"end":252.89,"sentiment":"neutral","sentiment_score":0.22954094409942627},{"text":"That's okay.","start":252.89,"end":253.79,"sentiment":"neutral","sentiment_score":0.21617506444454193},{"text":"Now underneath that, you've got your insurance policy noted there as well.","start":255.04999,"end":258.65,"sentiment":"neutral","sentiment_score":0.07225566543638706},{"text":"So your part of this and part of the things that are coming out of your super is your insurances.","start":258.65,"end":263.63,"sentiment":"neutral","sentiment_score":0.09111567083746194},{"text":"You've got your life cover and your TPD noted there.","start":264.465,"end":267.26498,"sentiment":"neutral","sentiment_score":0.07623666152358055}],"sentiment":"neutral","sentiment_score":0.0914142020046711,"num_words":45,"start":252.40999,"end":267.26498},{"sentences":[{"text":"So in the event of passing your current sum insured is 520,774.","start":267.26498,"end":273.84497,"sentiment":"neutral","sentiment_score":0.029116929198304813},{"text":"If we think about your level of life cover you have, if you were to say passed away today, having that benefit paid out plus your super paid out on top of that essentially gives a life benefit of $1.85, $19.01, about 706,265.","start":274.38498,"end":292.10498,"sentiment":"neutral","sentiment_score":0.048383354144387464},{"text":"Are you fairly happy and or comfortable with that level of cover that you have at the moment?","start":292.10498,"end":296.44498,"sentiment":"neutral","sentiment_score":0.032692513739069305},{"text":"Yep.","start":298.82498,"end":299.32498,"sentiment":"neutral","sentiment_score":0.0969654843211174},{"text":"Fantastic.","start":299.38498,"end":299.88498,"sentiment":"positive","sentiment_score":0.498529851436615}],"sentiment":"neutral","sentiment_score":0.04818463948865732,"num_words":75,"start":267.26498,"end":299.88498},{"sentences":[{"text":"Excellent.","start":300.505,"end":301.005,"sentiment":"positive","sentiment_score":0.42693042755126953},{"text":"And then with the TBD, so total permanent incapacity, this is paid out as a lump sum or an income stream if you're unable to ever go back to work again due to permanent disability.","start":301.92,"end":311.22,"sentiment":"neutral","sentiment_score":-0.014074147998222283},{"text":"You've got about a 195,000 sitting there, some insured.","start":312.0,"end":315.705,"sentiment":"neutral","sentiment_score":-0.030243037682440545},{"text":"And then if you are TBD, we can also look to claim against your super.","start":315.705,"end":320.04498,"sentiment":"neutral","sentiment_score":-0.019702826191981635},{"text":"So, essentially, it's about 380,000 worth of benefit there.","start":320.665,"end":324.745,"sentiment":"neutral","sentiment_score":0.01603661011904478}],"sentiment":"neutral","sentiment_score":-0.007087898454156475,"num_words":69,"start":300.505,"end":324.745},{"sentences":[{"text":"Are you fairly comfortable with that?","start":324.745,"end":326.26498,"sentiment":"neutral","sentiment_score":0.022357840090990067},{"text":"Did you wanna look at trying to review that at any at any point at the moment?","start":326.26498,"end":330.3,"sentiment":"neutral","sentiment_score":-0.011978649479501387},{"text":"Or For the premiums?","start":330.3,"end":345.815,"sentiment":"neutral","sentiment_score":-0.04950206959620118},{"text":"Yeah.","start":346.515,"end":347.015,"sentiment":"neutral","sentiment_score":-0.03384454548358917},{"text":"Well, having a look, no.","start":357.635,"end":363.19,"sentiment":"neutral","sentiment_score":-0.08084985539317131}],"sentiment":"neutral","sentiment_score":-0.02138157883151011,"num_words":33,"start":324.745,"end":363.19},{"sentences":[{"text":"That's okay.","start":363.19,"end":363.67,"sentiment":"positive","sentiment_score":0.48875564336776733},{"text":"Well, I had a look, and my team did call and find out because you the premiums are a lot more expensive than what you'd sort of expect for the level of cover you have, and that's because you do have a a 50% loading on there, which was due to the heart palpitations on the life and TPD cover.","start":363.67,"end":378.81497,"sentiment":"neutral","sentiment_score":-0.23979678340256214},{"text":"We've spoken to a sender.","start":379.595,"end":380.955,"sentiment":"neutral","sentiment_score":-0.0024665608070790768},{"text":"They have stated that it is possible to review that.","start":380.955,"end":384.63498,"sentiment":"neutral","sentiment_score":-0.04128040373325348},{"text":"So I'd like to just go back and see if that's reviewable and maybe go through and have that review to see if we could maybe have that loading reduced or removed from the policy, which could help to make it a bit cheaper for you.","start":384.63498,"end":398.37,"sentiment":"neutral","sentiment_score":0.04946019042931173}],"sentiment":"neutral","sentiment_score":-0.09398588454502264,"num_words":123,"start":363.19,"end":398.37},{"sentences":[{"text":"Yep.","start":404.35,"end":404.565,"sentiment":"neutral","sentiment_score":0.19966411590576172},{"text":"Well, the life cover will do that for you.","start":413.605,"end":416.325,"sentiment":"neutral","sentiment_score":0.20269805938005447},{"text":"The TBD doesn't.","start":416.325,"end":417.525,"sentiment":"neutral","sentiment_score":-0.09667735795180003},{"text":"That's more to pay that to yourself.","start":417.525,"end":419.225,"sentiment":"neutral","sentiment_score":-0.19198951125144958},{"text":"But what I'm sort of mentioning is with the with the loadings, it does with the 50% loading, it is making your premiums more expensive.","start":420.44998,"end":428.22998,"sentiment":"neutral","sentiment_score":-0.20204778790473937}],"sentiment":"neutral","sentiment_score":-0.10358237110906177,"num_words":45,"start":404.35,"end":428.22998},{"sentences":[{"text":"So if we can look to maybe have that removed, that'll reduce the cost of the premiums a little bit.","start":428.44998,"end":433.925,"sentiment":"neutral","sentiment_score":0.15047319177538157},{"text":"It doesn't change the level of cover you have.","start":433.925,"end":436.005,"sentiment":"neutral","sentiment_score":-0.0001317105359501309},{"text":"That stays exactly the same.","start":436.005,"end":437.785,"sentiment":"neutral","sentiment_score":0.20869567096233368},{"text":"It just helps to remove that loading off the policy, which could make the premium slightly cheaper.","start":438.165,"end":443.145,"sentiment":"neutral","sentiment_score":0.17204906835275538},{"text":"So what we can do is we'll just need to have a form build out.","start":444.005,"end":447.71002,"sentiment":"neutral","sentiment_score":0.11926606198151907}],"sentiment":"neutral","sentiment_score":0.13281184677599053,"num_words":66,"start":428.44998,"end":447.71002},{"sentences":[{"text":"I'll find out what that is.","start":447.71002,"end":449.33002,"sentiment":"neutral","sentiment_score":0.10162827124198277},{"text":"I believe I've got it sitting in the in the file here.","start":449.39,"end":452.77002,"sentiment":"neutral","sentiment_score":0.06945457402616739},{"text":"Might be a second just to see what that looks like, just to give you an understanding of the questions they're gonna ask because they are gonna assess your health and, quite a bit of detail there.","start":453.95,"end":466.225,"sentiment":"neutral","sentiment_score":0.04310402807754439},{"text":"This is a very large application.","start":470.285,"end":471.745,"sentiment":"neutral","sentiment_score":-0.1596863865852356},{"text":"So review of loadings.","start":477.08,"end":478.86,"sentiment":"neutral","sentiment_score":-0.027737515338230878}],"sentiment":"neutral","sentiment_score":0.030292387288780167,"num_words":65,"start":447.71002,"end":478.86},{"sentences":[{"text":"So one, two, three, seven, eight, fourteen, twenty one, 23, and 24.","start":479.88,"end":484.06,"sentiment":"neutral","sentiment_score":0.04342355361829201},{"text":"Okay.","start":486.615,"end":487.015,"sentiment":"neutral","sentiment_score":0.011894896626472471},{"text":"So if we go sorry.","start":487.015,"end":488.535,"sentiment":"neutral","sentiment_score":-0.06402897089719772},{"text":"I'm just gonna write this down so I can have a quick look at these pages for you just to kinda give you an idea of what's expected with looking at the loadings, and then I will get my team to prefill the document.","start":488.535,"end":502.182,"sentiment":"neutral","sentiment_score":0.07541243130849166},{"text":"We will send it to you.","start":502.182,"end":503.27,"sentiment":"neutral","sentiment_score":0.06457845618327458}],"sentiment":"neutral","sentiment_score":0.057624270591665715,"num_words":68,"start":479.88,"end":503.27},{"sentences":[{"text":"We will need you to probably go through and double check things that are correct and answer any of the questions.","start":503.27,"end":511.69,"sentiment":"neutral","sentiment_score":0.047144697535605656},{"text":"This is section one four five six seven.","start":513.83,"end":518.39496,"sentiment":"neutral","sentiment_score":0.009099303453695029},{"text":"There's eight eight.","start":520.135,"end":521.495,"sentiment":"neutral","sentiment_score":0.002960860806827744},{"text":"Disclosure.","start":521.495,"end":521.995,"sentiment":"neutral","sentiment_score":0.002154374960809946},{"text":"That's okay.","start":523.33496,"end":524.235,"sentiment":"neutral","sentiment_score":0.023801378905773163}],"sentiment":"neutral","sentiment_score":0.03204207974486053,"num_words":35,"start":503.27,"end":524.235},{"sentences":[{"text":"14.","start":526.535,"end":527.035,"sentiment":"neutral","sentiment_score":0.00735947210341692},{"text":"Section 14 is doctor's details.","start":530.05005,"end":532.13,"sentiment":"neutral","sentiment_score":0.008309610374271869},{"text":"So they are gonna request medical reports from the doctor in order to have the loading reassessed.","start":532.13,"end":538.71,"sentiment":"neutral","sentiment_score":0.007627136347924962},{"text":"That's okay.","start":543.33,"end":544.355,"sentiment":"neutral","sentiment_score":0.07542767375707626},{"text":"Section 21 is asking 21 is asking about further information around family Section 23 is a medical release for them to access medical records from your doctor to be able to review that.","start":545.21497,"end":582.225,"sentiment":"neutral","sentiment_score":0.023533395237543366}],"sentiment":"neutral","sentiment_score":0.019069417797285933,"num_words":58,"start":526.535,"end":582.225},{"sentences":[{"text":"And section 24 is, again, just authorizations authorizing them to access medical information to have the loading reviewed there.","start":583.005,"end":593.08,"sentiment":"neutral","sentiment_score":0.020949876916251685},{"text":"The doctor that we would have on record here, I'm if you're comfortable with me, I'm happy to have my team prefill this document as much as we possibly can, and then we can send it through to you.","start":593.78,"end":604.60504,"sentiment":"neutral","sentiment_score":0.3106051009052839},{"text":"It'll need to be printed out and signed and returned.","start":604.60504,"end":608.545,"sentiment":"neutral","sentiment_score":0.12329202219843864},{"text":"Are you at all able to access a printer at all, or is it better if we post the document to you?","start":609.245,"end":616.25,"sentiment":"neutral","sentiment_score":0.02562605073167519},{"text":"Yep.","start":619.43,"end":619.75,"sentiment":"neutral","sentiment_score":0.043685123324394226}],"sentiment":"neutral","sentiment_score":0.15771456107824713,"num_words":91,"start":583.005,"end":619.75},{"sentences":[{"text":"Yep.","start":619.75,"end":620.07,"sentiment":"neutral","sentiment_score":0.06588707119226456},{"text":"That's okay.","start":620.07,"end":620.87,"sentiment":"neutral","sentiment_score":0.15623535960912704},{"text":"We'll just note down the sections that are applicable for having the loading removed or reviewed, and we'll get you just to double check the information that we have on the document.","start":620.87,"end":628.96844,"sentiment":"neutral","sentiment_score":0.08157081145327538},{"text":"If there is anything to update or have altered, just let us know.","start":628.96844,"end":635.325,"sentiment":"neutral","sentiment_score":0.08569278568029404},{"text":"More than happy to do so.","start":635.325,"end":636.86505,"sentiment":"positive","sentiment_score":0.44553135335445404}],"sentiment":"neutral","sentiment_score":0.12547811279418292,"num_words":54,"start":619.75,"end":636.86505},{"sentences":[{"text":"Just going back into your original application just to see what we had noted.","start":637.645,"end":643.185,"sentiment":"neutral","sentiment_score":0.07277079112827778},{"text":"It's a little bit of work to have the loading removed, but it's worthwhile if they go through and remove the loading for you.","start":645.55,"end":650.91,"sentiment":"neutral","sentiment_score":0.10601772243777911},{"text":"It makes the policy cheaper, so it might be worthwhile definitely doing, especially as you mentioned those heart palpitations.","start":650.91,"end":656.85,"sentiment":"neutral","sentiment_score":0.27372663899471883},{"text":"You haven't had those since that policy was placed in force.","start":656.91,"end":659.63,"sentiment":"neutral","sentiment_score":0.07893674244934862},{"text":"Everything has been really good since then.","start":659.63,"end":662.085,"sentiment":"positive","sentiment_score":0.5531340411731175}],"sentiment":"neutral","sentiment_score":0.18005686680475871,"num_words":75,"start":637.645,"end":662.085},{"sentences":[{"text":"Is that changed at all?","start":662.085,"end":663.78503,"sentiment":"neutral","sentiment_score":0.12515650391578675},{"text":"Yep.","start":666.645,"end":666.965,"sentiment":"neutral","sentiment_score":0.12112640589475632},{"text":"Yep.","start":666.965,"end":667.445,"sentiment":"neutral","sentiment_score":0.2897927165031433},{"text":"Beautiful.","start":667.445,"end":667.945,"sentiment":"positive","sentiment_score":0.7170106172561646},{"text":"So it's definitely worth having those loadings reviewed.","start":668.16504,"end":670.505,"sentiment":"positive","sentiment_score":0.5230208933353424}],"sentiment":"positive","sentiment_score":0.37111746286973357,"num_words":16,"start":662.085,"end":670.505},{"sentences":[{"text":"If they come back and say they're not going to remove them now, at least we've tried, There's always a risk of that occurring, but, you know, the good side of it is they may come back and go, hey.","start":670.805,"end":681.01,"sentiment":"neutral","sentiment_score":-0.041743088769726454},{"text":"Yeah.","start":681.01,"end":681.25,"sentiment":"neutral","sentiment_score":0.0809091180562973},{"text":"Look.","start":681.25,"end":681.49,"sentiment":"neutral","sentiment_score":0.19287291169166565},{"text":"We've we can remove these loadings now and hopefully make the policy a bit cheaper for you, which would be only to your benefit and your super.","start":681.49,"end":688.79,"sentiment":"positive","sentiment_score":0.33513518505626255},{"text":"I've got the doctor's details.","start":691.365,"end":695.465,"sentiment":"neutral","sentiment_score":0.01363635896705091}],"sentiment":"neutral","sentiment_score":0.10433635500423308,"num_words":74,"start":670.805,"end":695.465},{"sentences":[{"text":"Oh, sorry.","start":697.685,"end":698.245,"sentiment":"neutral","sentiment_score":-0.036019821651279926},{"text":"This application form is a bit long.","start":698.245,"end":700.505,"sentiment":"neutral","sentiment_score":-0.07326532474585942},{"text":"Where are we?","start":702.805,"end":703.795,"sentiment":"neutral","sentiment_score":-0.03128363750874996},{"text":"Information.","start":705.39996,"end":705.89996,"sentiment":"neutral","sentiment_score":-0.01902853511273861},{"text":"Okay.","start":730.54,"end":730.78,"sentiment":"neutral","sentiment_score":0.0006724633276462555}],"sentiment":"neutral","sentiment_score":-0.04979313577392271,"num_words":14,"start":697.685,"end":730.78},{"sentences":[{"text":"So I've got the medical clinic or the clinic for them to utilize as KC Medical Center Craneborn.","start":730.78,"end":736.0,"sentiment":"neutral","sentiment_score":0.004122109643908011},{"text":"Is that still the correct medical center that they would be able to obtain those documents from in relation to the heart palpitations?","start":736.22003,"end":742.64,"sentiment":"neutral","sentiment_score":0.005559406040803246},{"text":"Yep.","start":761.17,"end":761.67,"sentiment":"neutral","sentiment_score":-0.05864517390727997},{"text":"Yep.","start":764.45,"end":764.95,"sentiment":"neutral","sentiment_score":-0.0289452001452446},{"text":"Yep.","start":773.09503,"end":773.59503,"sentiment":"neutral","sentiment_score":-0.03921300917863846}],"sentiment":"neutral","sentiment_score":0.0017104756658558142,"num_words":44,"start":730.78,"end":773.59503},{"sentences":[{"text":"Yep.","start":783.575,"end":783.97504,"sentiment":"neutral","sentiment_score":-0.03164654225111008},{"text":"No.","start":783.97504,"end":784.135,"sentiment":"neutral","sentiment_score":-0.070865698158741},{"text":"That's okay.","start":784.135,"end":784.955,"sentiment":"neutral","sentiment_score":-0.0586317740380764},{"text":"It doesn't have a doctor noted.","start":786.8,"end":789.86,"sentiment":"neutral","sentiment_score":-0.07978897790114085},{"text":"It just says doctor's name unknown.","start":790.48,"end":792.24,"sentiment":"neutral","sentiment_score":-0.08721125622590382}],"sentiment":"neutral","sentiment_score":-0.076361074578017,"num_words":16,"start":783.575,"end":792.24},{"sentences":[{"text":"It's just got the medical practice there.","start":792.24,"end":794.42,"sentiment":"neutral","sentiment_score":-0.07370292714663915},{"text":"But if they to those reports originally, that's that's on your original sender or MLC application.","start":795.83997,"end":801.875,"sentiment":"neutral","sentiment_score":-0.0755599201656878},{"text":"I do have the other one from when we did try to go through the AIA application, and that, I believe, has a different one.","start":803.295,"end":819.08,"sentiment":"neutral","sentiment_score":-0.04320465713739395},{"text":"Yeah.","start":819.08,"end":819.39996,"sentiment":"neutral","sentiment_score":-0.011980658397078514},{"text":"That one there has a Broad Oak Medical yeah.","start":819.39996,"end":825.39996,"sentiment":"neutral","sentiment_score":-0.01739964561743869}],"sentiment":"neutral","sentiment_score":-0.051268501897695766,"num_words":58,"start":792.24,"end":825.39996},{"sentences":[{"text":"Broad Oak Medical at Craneborn East on it.","start":825.39996,"end":828.01495,"sentiment":"neutral","sentiment_score":-0.014086049050092697},{"text":"Yep.","start":832.475,"end":832.975,"sentiment":"neutral","sentiment_score":-0.03419703245162964},{"text":"Okay.","start":836.71497,"end":837.21497,"sentiment":"neutral","sentiment_score":-0.037134189158678055},{"text":"Yep.","start":837.915,"end":838.415,"sentiment":"neutral","sentiment_score":0.04622872173786163},{"text":"Yep.","start":839.755,"end":840.12,"sentiment":"neutral","sentiment_score":0.08693952858448029}],"sentiment":"neutral","sentiment_score":-0.004237613640725613,"num_words":12,"start":825.39996,"end":840.12},{"sentences":[{"text":"That's okay.","start":843.4,"end":844.3,"sentiment":"neutral","sentiment_score":0.2694410979747772},{"text":"So that'll be the broad Broad Oak Medical.","start":845.16,"end":847.74,"sentiment":"neutral","sentiment_score":0.16197572462260723},{"text":"Perfect.","start":848.44,"end":848.94,"sentiment":"positive","sentiment_score":0.6300841569900513},{"text":"I'll I'll put that information on that application there for you.","start":849.72,"end":852.83997,"sentiment":"neutral","sentiment_score":0.2481564445929094},{"text":"We'll get that the the insurance application sorted and prefilled for you, and then my team will email us through if you can just sort of print it out.","start":852.83997,"end":863.315,"sentiment":"neutral","sentiment_score":0.18450301423155027}],"sentiment":"neutral","sentiment_score":0.20676628339524364,"num_words":51,"start":843.4,"end":863.315},{"sentences":[{"text":"I'll find out if they do allow it to be electronically signed.","start":863.315,"end":866.45496,"sentiment":"neutral","sentiment_score":0.0918431890507539},{"text":"If they do, we'll be able to send it electronically for you.","start":866.755,"end":869.815,"sentiment":"neutral","sentiment_score":0.11352531425654888},{"text":"I just know sometimes these are preferred the wet sign.","start":870.38995,"end":873.85,"sentiment":"neutral","sentiment_score":0.04451176784932613},{"text":"Either way, we'll find out how it can be signed.","start":874.38995,"end":876.23,"sentiment":"neutral","sentiment_score":0.0745514139533043},{"text":"We'll send it through to you.","start":876.23,"end":877.26996,"sentiment":"neutral","sentiment_score":0.12201386069258054}],"sentiment":"neutral","sentiment_score":0.08774274043738842,"num_words":50,"start":863.315,"end":877.26996},{"sentences":[{"text":"I'll prefill it with as much information as possible.","start":877.26996,"end":879.67,"sentiment":"neutral","sentiment_score":0.1215590089559555},{"text":"If there are any sections that we just need you to fill out for us, we will just have those noted with a little text box.","start":879.67,"end":886.99506,"sentiment":"neutral","sentiment_score":0.09883782038321862},{"text":"And then once that's signed, we can send it back to a sender, and we can have them reassess the loadings for you to see if they can, you know, remove those for the heart palpitations and try to make your policy about 50% cheaper for you.","start":888.255,"end":902.02,"sentiment":"neutral","sentiment_score":0.0720506505446231},{"text":"Okay?","start":902.02,"end":902.52,"sentiment":"neutral","sentiment_score":0.04197733849287033},{"text":"Yep.","start":903.86,"end":904.36,"sentiment":"positive","sentiment_score":0.35204166173934937}],"sentiment":"neutral","sentiment_score":0.08862159507615226,"num_words":84,"start":877.26996,"end":904.36},{"sentences":[{"text":"Beautiful.","start":904.66,"end":905.16,"sentiment":"positive","sentiment_score":0.5945504903793335},{"text":"All good.","start":905.38,"end":906.12,"sentiment":"positive","sentiment_score":0.4764295816421509},{"text":"At the moment, the policy for this year currently, you have paid around about $4,903.39.","start":906.74,"end":915.305,"sentiment":"neutral","sentiment_score":0.050762069225311277},{"text":"You'll see on that policy or on that document there, the top number, the $5,007.68, that's how much the insurer has received for the policy, but you do get a 15 percent discount because you're paying it out out of your super fund.","start":915.84503,"end":929.2,"sentiment":"neutral","sentiment_score":0.13417350232254627},{"text":"So you've only paid the bottom figure there.","start":929.2,"end":931.44,"sentiment":"neutral","sentiment_score":0.0469023312907666}],"sentiment":"neutral","sentiment_score":0.12251478177157865,"num_words":69,"start":904.66,"end":931.44},{"sentences":[{"text":"Okay?","start":931.44,"end":931.83997,"sentiment":"neutral","sentiment_score":0.035200800746679306},{"text":"It's still quite a lot, but it is a little bit of a discount.","start":931.83997,"end":935.36,"sentiment":"neutral","sentiment_score":0.06762204026537282},{"text":"So we'll take whatever discounts we can get in the short term.","start":935.36,"end":938.42,"sentiment":"neutral","sentiment_score":0.1037327057371537},{"text":"Yeah.","start":940.585,"end":941.085,"sentiment":"neutral","sentiment_score":0.06002221629023552},{"text":"Work wise, how's everything going?","start":942.105,"end":944.585,"sentiment":"neutral","sentiment_score":0.08911240100860596}],"sentiment":"neutral","sentiment_score":0.08279654711033359,"num_words":33,"start":931.44,"end":944.585},{"sentences":[{"text":"Because I can see that the contributions were going into your sleep up until about July this year.","start":944.585,"end":950.445,"sentiment":"neutral","sentiment_score":0.06940548846291171},{"text":"Have you been working since then?","start":951.225,"end":953.305,"sentiment":"neutral","sentiment_score":0.00917334264765183},{"text":"Have you just dropped 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were?","start":995.935,"end":999.775,"sentiment":"neutral","sentiment_score":-0.14610360376536846},{"text":"Are you planning to kinda go back and do any work?","start":999.775,"end":1002.255,"sentiment":"neutral","sentiment_score":-0.13648699765855615}],"sentiment":"neutral","sentiment_score":-0.19976702614281422,"num_words":39,"start":989.52997,"end":1002.255},{"sentences":[{"text":"Are you looking for a new job?","start":1002.255,"end":1003.695,"sentiment":"neutral","sentiment_score":-0.12323258604322161},{"text":"What's kind of on the horizon for you?","start":1003.695,"end":1005.955,"sentiment":"neutral","sentiment_score":-0.08609435614198446},{"text":"Mhmm.","start":1014.5,"end":1015.0,"sentiment":"neutral","sentiment_score":-0.05160447955131531},{"text":"Yep.","start":1016.98004,"end":1017.48004,"sentiment":"neutral","sentiment_score":-0.003317077411338687},{"text":"Yep.","start":1020.58,"end":1021.08,"sentiment":"neutral","sentiment_score":0.01134391687810421}],"sentiment":"neutral","sentiment_score":-0.08860892175127649,"num_words":18,"start":1002.255,"end":1021.08},{"sentences":[{"text":"Yeah.","start":1032.075,"end":1032.5549,"sentiment":"neutral","sentiment_score":0.12051548808813096},{"text":"Perfect.","start":1032.5549,"end":1033.0549,"sentiment":"neutral","sentiment_score":0.3305240273475647},{"text":"I love that.","start":1035.835,"end":1036.815,"sentiment":"positive","sentiment_score":0.3418327867984772},{"text":"Yeah.","start":1037.195,"end":1037.6749,"sentiment":"neutral","sentiment_score":0.11861772835254668},{"text":"That's okay.","start":1037.6749,"end":1038.495,"sentiment":"neutral","sentiment_score":0.1708194687962532}],"sentiment":"neutral","sentiment_score":0.24209931772202253,"num_words":8,"start":1032.075,"end":1038.495},{"sentences":[{"text":"All good.","start":1038.7949,"end":1039.4349,"sentiment":"neutral","sentiment_score":0.26268555223941803},{"text":"So, realistically, for me updating advice and reflecting things accurately in your circumstances, would you prefer me to keep your title as disability support worker, or what would you prefer me to keep your employment title as currently?","start":1039.4349,"end":1054.63,"sentiment":"neutral","sentiment_score":0.010079886176084218},{"text":"That's okay.","start":1057.715,"end":1058.615,"sentiment":"neutral","sentiment_score":0.003979046829044819},{"text":"Yep.","start":1059.075,"end":1059.555,"sentiment":"neutral","sentiment_score":0.07524800300598145},{"text":"Beautiful.","start":1059.555,"end":1060.055,"sentiment":"neutral","sentiment_score":0.20612406730651855}],"sentiment":"neutral","sentiment_score":0.027221294162286955,"num_words":44,"start":1038.7949,"end":1060.055},{"sentences":[{"text":"It's just there's no real benefit.","start":1064.195,"end":1066.915,"sentiment":"neutral","sentiment_score":-0.13443259273966154},{"text":"It's more just me being accurate on the documentation that I provide for you.","start":1066.915,"end":1071.0499,"sentiment":"neutral","sentiment_score":-0.046971346118620465},{"text":"That's all just making sure that I've got accuracy around 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right?","start":1080.8099,"end":1081.79,"sentiment":"neutral","sentiment_score":0.0649348037938277},{"text":"Yep.","start":1083.9299,"end":1084.335,"sentiment":"neutral","sentiment_score":0.03630924224853515}],"sentiment":"neutral","sentiment_score":0.0955877339001745,"num_words":16,"start":1076.49,"end":1084.335},{"sentences":[{"text":"Yep.","start":1084.4149,"end":1084.735,"sentiment":"neutral","sentiment_score":0.0013582792598754168},{"text":"Do you have any are you sort of doing a regular couple of shifts every week or so, or is it just sporadically here and there as things pop up as you're comfortable taking work?","start":1084.735,"end":1094.355,"sentiment":"neutral","sentiment_score":0.013354503044060299},{"text":"Yep.","start":1096.1749,"end":1096.44,"sentiment":"neutral","sentiment_score":0.030550261959433556},{"text":"That's okay.","start":1098.36,"end":1099.34,"sentiment":"neutral","sentiment_score":0.10290952771902084},{"text":"Yep.","start":1118.495,"end":1118.995,"sentiment":"neutral","sentiment_score":0.1139339953660965}],"sentiment":"neutral","sentiment_score":0.02047672996413894,"num_words":40,"start":1084.4149,"end":1118.995},{"sentences":[{"text":"Beautiful.","start":1120.255,"end":1120.755,"sentiment":"positive","sentiment_score":0.7065569758415222},{"text":"Well, congratulations on starting that set three.","start":1121.055,"end":1123.4551,"sentiment":"positive","sentiment_score":0.7874100123132978},{"text":"How are you enjoying it?","start":1123.4551,"end":1124.915,"sentiment":"positive","sentiment_score":0.6472306847572327},{"text":"I love that.","start":1130.7,"end":1131.6799,"sentiment":"neutral","sentiment_score":0.15220907827218375},{"text":"Yeah.","start":1133.4199,"end":1133.9199,"sentiment":"positive","sentiment_score":0.3662030100822449}],"sentiment":"positive","sentiment_score":0.6045535723952686,"num_words":17,"start":1120.255,"end":1133.9199},{"sentences":[{"text":"And you sorta maybe hoping to go into that IT space down the track.","start":1134.3799,"end":1138.0599,"sentiment":"neutral","sentiment_score":0.17271706142595836},{"text":"Is that sort of where your interest lies career wise?","start":1138.0599,"end":1141.515,"sentiment":"neutral","sentiment_score":0.11499856784939766},{"text":"Yeah.","start":1143.495,"end":1143.995,"sentiment":"neutral","sentiment_score":0.05218794196844101},{"text":"Yeah.","start":1159.43,"end":1159.93,"sentiment":"neutral","sentiment_score":-0.0023763710632920265},{"text":"Yeah.","start":1175.145,"end":1175.545,"sentiment":"neutral","sentiment_score":0.157688170671463}],"sentiment":"neutral","sentiment_score":0.13983423259385205,"num_words":27,"start":1134.3799,"end":1175.545},{"sentences":[{"text":"Well, that's fantastic.","start":1175.545,"end":1177.005,"sentiment":"positive","sentiment_score":0.5697774390379587},{"text":"I definitely wanna keep up to date with you and see how that's going.","start":1177.145,"end":1180.2051,"sentiment":"positive","sentiment_score":0.47539976239204407},{"text":"I know one of the things is and, look, I can speak from experience.","start":1180.95,"end":1184.49,"sentiment":"neutral","sentiment_score":0.13097019440361432},{"text":"When you work and do what you you're passionate about, you tend to not work a day in your life.","start":1184.71,"end":1189.9099,"sentiment":"neutral","sentiment_score":0.10040600169450045},{"text":"I work some shocking hours, but I love what I do, and I love helping people and looking at investments and building people super and and working towards their goals.","start":1189.9099,"end":1198.285,"sentiment":"positive","sentiment_score":0.4559527612039043}],"sentiment":"neutral","sentiment_score":0.3195705503982745,"num_words":81,"start":1175.545,"end":1198.285},{"sentences":[{"text":"So if you find something you're passionate about, no matter how hard it is, please do hold on to that because it makes the world of difference when you go to work every day.","start":1198.285,"end":1207.405,"sentiment":"positive","sentiment_score":0.46141267041949663},{"text":"That's for sure.","start":1207.405,"end":1208.465,"sentiment":"neutral","sentiment_score":0.24035254617532095},{"text":"Yeah.","start":1210.205,"end":1210.65,"sentiment":"neutral","sentiment_score":-0.01834353432059288},{"text":"I think look.","start":1212.25,"end":1213.31,"sentiment":"neutral","sentiment_score":0.0078288484364748},{"text":"Looking at everything for you, you're about essentially oh, you're a little bit older than me.","start":1213.37,"end":1217.77,"sentiment":"neutral","sentiment_score":-0.049649225402390584}],"sentiment":"neutral","sentiment_score":0.2740323480234988,"num_words":57,"start":1198.285,"end":1217.77},{"sentences":[{"text":"Not much.","start":1217.77,"end":1218.25,"sentiment":"neutral","sentiment_score":-0.0981614775955677},{"text":"But, realistically, look.","start":1218.25,"end":1219.29,"sentiment":"neutral","sentiment_score":-0.05651824548840523},{"text":"I'm in my forties now, and I'm feel well and truly too old to be, you know, not enjoying what I do on a regular basis.","start":1219.29,"end":1227.5549,"sentiment":"neutral","sentiment_score":-0.22015757027726907},{"text":"And and you know?","start":1227.5549,"end":1228.855,"sentiment":"neutral","sentiment_score":-0.014203200116753578},{"text":"So I'm sure you feel probably the same way.","start":1229.3949,"end":1232.1349,"sentiment":"neutral","sentiment_score":0.00005388839377297295}],"sentiment":"neutral","sentiment_score":-0.1396886891770092,"num_words":44,"start":1217.77,"end":1232.1349},{"sentences":[{"text":"Yeah.","start":1234.4349,"end":1234.9349,"sentiment":"neutral","sentiment_score":0.0942336916923523},{"text":"Beautiful.","start":1236.755,"end":1237.255,"sentiment":"positive","sentiment_score":0.704053521156311},{"text":"Fantastic.","start":1237.5549,"end":1238.0549,"sentiment":"positive","sentiment_score":0.6848862171173096},{"text":"Oh, I love that you're doing that.","start":1239.2999,"end":1240.5,"sentiment":"positive","sentiment_score":0.4400776539530073},{"text":"And how long does the set three sorta take to complete?","start":1240.5,"end":1243.1599,"sentiment":"neutral","sentiment_score":0.09313298761844635}],"sentiment":"neutral","sentiment_score":0.2661038034019016,"num_words":21,"start":1234.4349,"end":1243.1599},{"sentences":[{"text":"Yeah.","start":1256.3551,"end":1256.8551,"sentiment":"neutral","sentiment_score":0.20240703225135803},{"text":"Perfect.","start":1257.3151,"end":1257.8151,"sentiment":"positive","sentiment_score":0.5778683423995972},{"text":"I love that.","start":1258.035,"end":1259.015,"sentiment":"positive","sentiment_score":0.6232977310816447},{"text":"No worries at all.","start":1262.1151,"end":1263.495,"sentiment":"neutral","sentiment_score":0.14637751877307892},{"text":"All good.","start":1264.37,"end":1265.11,"sentiment":"neutral","sentiment_score":0.267829068005085}],"sentiment":"positive","sentiment_score":0.34284879809076135,"num_words":11,"start":1256.3551,"end":1265.11},{"sentences":[{"text":"So the other things I do have to touch base on are things like income protection and trauma.","start":1265.73,"end":1270.45,"sentiment":"neutral","sentiment_score":0.00004973862734105852},{"text":"In the past, we've touched on those, what they are, how they can provide for you.","start":1270.45,"end":1274.87,"sentiment":"neutral","sentiment_score":0.033804028847953305},{"text":"Realistically, given your current changes to work, and I do apologize, I need to be honest at times as well, because you are working casually and very sporadically at the moment, income protection's generally not on offer at the moment for insurance wise.","start":1275.4099,"end":1288.595,"sentiment":"neutral","sentiment_score":-0.12788455430851425},{"text":"And adding adding new insurances can obviously make the premiums more expensive, which I know is a big concern of yours as well.","start":1289.215,"end":1295.9299,"sentiment":"neutral","sentiment_score":-0.24293983760087387},{"text":"Are you wanting to look down the track maybe getting some income protection and covering you in that way, or are you just happy with the life and TBD and wanna save money and build wealth outside of super to cover the gap?","start":1296.87,"end":1308.79,"sentiment":"neutral","sentiment_score":-0.01804994003370751}],"sentiment":"neutral","sentiment_score":-0.07916811024249121,"num_words":143,"start":1265.73,"end":1308.79},{"sentences":[{"text":"What's your thoughts there?","start":1308.79,"end":1309.8251,"sentiment":"neutral","sentiment_score":0.008762822020798922},{"text":"And if you have more questions, you can let me know.","start":1309.8251,"end":1311.985,"sentiment":"neutral","sentiment_score":0.06633425233038989},{"text":"Yeah.","start":1311.985,"end":1312.485,"sentiment":"neutral","sentiment_score":0.055778998881578445},{"text":"Yep.","start":1323.5901,"end":1324.0901,"sentiment":"neutral","sentiment_score":-0.12271275371313096},{"text":"No.","start":1326.15,"end":1326.4701,"sentiment":"neutral","sentiment_score":-0.20863386988639832}],"sentiment":"neutral","sentiment_score":0.027175579944418535,"num_words":18,"start":1308.79,"end":1326.4701},{"sentences":[{"text":"That's okay.","start":1326.4701,"end":1327.29,"sentiment":"neutral","sentiment_score":-0.06409958004951477},{"text":"Absolutely fine.","start":1327.5901,"end":1328.7101,"sentiment":"positive","sentiment_score":0.47934529185295105},{"text":"It's not a problem at all.","start":1328.7101,"end":1330.5701,"sentiment":"positive","sentiment_score":0.35187765459219617},{"text":"And you because you've taken a bit of time off work, just sort of clarifying.","start":1330.79,"end":1334.0901,"sentiment":"neutral","sentiment_score":0.20310049454371135},{"text":"Do you have a bit of savings that you've been able to fall back on to sort of help been working full time and and to give you a bit of extra expenditure?","start":1334.15,"end":1343.735,"sentiment":"neutral","sentiment_score":0.11223738200285217}],"sentiment":"neutral","sentiment_score":0.16710514440361796,"num_words":58,"start":1326.4701,"end":1343.735},{"sentences":[{"text":"Yep.","start":1344.115,"end":1344.4349,"sentiment":"neutral","sentiment_score":0.05926084518432617},{"text":"Yep.","start":1344.4349,"end":1344.9349,"sentiment":"neutral","sentiment_score":0.06377491354942322},{"text":"Beautiful.","start":1344.995,"end":1345.495,"sentiment":"positive","sentiment_score":0.5193551182746887},{"text":"Yep.","start":1352.115,"end":1352.37,"sentiment":"neutral","sentiment_score":0.07507315278053284},{"text":"Absolutely.","start":1354.45,"end":1354.95,"sentiment":"positive","sentiment_score":0.42785409092903137}],"sentiment":"neutral","sentiment_score":0.22906362414360046,"num_words":5,"start":1344.115,"end":1354.95},{"sentences":[{"text":"Beautiful.","start":1355.33,"end":1355.8099,"sentiment":"positive","sentiment_score":0.5089198350906372},{"text":"And how much would you say you still have in savings just so I can update all your assets and liabilities?","start":1355.8099,"end":1360.55,"sentiment":"neutral","sentiment_score":0.14350041285866783},{"text":"Okay.","start":1367.33,"end":1367.775,"sentiment":"neutral","sentiment_score":0.03889195993542671},{"text":"About 3,000 left.","start":1369.775,"end":1371.235,"sentiment":"neutral","sentiment_score":0.07706080501278241},{"text":"Lovely.","start":1371.295,"end":1371.795,"sentiment":"positive","sentiment_score":0.46511614322662354}],"sentiment":"neutral","sentiment_score":0.1576895934564096,"num_words":27,"start":1355.33,"end":1371.795},{"sentences":[{"text":"There we go.","start":1372.095,"end":1373.0751,"sentiment":"positive","sentiment_score":0.37922637661298114},{"text":"Well, if I happen to win a lotto, I'll let you know.","start":1373.135,"end":1375.135,"sentiment":"neutral","sentiment_score":0.13017150883873305},{"text":"Promise.","start":1375.135,"end":1375.635,"sentiment":"neutral","sentiment_score":0.029055975377559665},{"text":"Haven't yet, but you never know.","start":1377.4551,"end":1379.155,"sentiment":"neutral","sentiment_score":-0.06398469147582848},{"text":"Absolutely.","start":1382.85,"end":1383.35,"sentiment":"neutral","sentiment_score":0.24123302102088928}],"sentiment":"neutral","sentiment_score":0.11243991667161816,"num_words":23,"start":1372.095,"end":1383.35},{"sentences":[{"text":"When you think about income and I know it's probably hard to sort of determine now.","start":1384.45,"end":1389.01,"sentiment":"neutral","sentiment_score":-0.05145173612982035},{"text":"We had you earning around about a 71,000 per year over the last couple of years.","start":1389.01,"end":1394.3099,"sentiment":"neutral","sentiment_score":0.004381692269816995},{"text":"When you think about the fact that your casual now just taking work when when it's on offer and when you wanna take work, do you feel like there's an income that you're probably going to have earned for this year, or are you just wanting me to leave that blank for the time being?","start":1395.01,"end":1408.795,"sentiment":"neutral","sentiment_score":-0.019906049221754075},{"text":"What would you say about the income aspect?","start":1408.795,"end":1411.89,"sentiment":"neutral","sentiment_score":-0.054829881992191076},{"text":"Yep.","start":1417.73,"end":1418.23,"sentiment":"neutral","sentiment_score":0.015249180607497692}],"sentiment":"neutral","sentiment_score":-0.023659825877984986,"num_words":96,"start":1384.45,"end":1418.23},{"sentences":[{"text":"Yeah.","start":1420.85,"end":1421.35,"sentiment":"neutral","sentiment_score":0.01312109362334013},{"text":"Yeah.","start":1421.73,"end":1422.23,"sentiment":"neutral","sentiment_score":0.02954607643187046},{"text":"Yeah.","start":1422.37,"end":1422.87,"sentiment":"neutral","sentiment_score":0.032671116292476654},{"text":"Or even this financial year, are you sort of thinking income you might take a bit more work and you might be able to make that 70 odd thousand again this year, or do you think that might be you're just not really sure what's to come that it could be up in the air?","start":1423.33,"end":1436.715,"sentiment":"neutral","sentiment_score":-0.02982057583602992},{"text":"Yep.","start":1437.93,"end":1438.43,"sentiment":"neutral","sentiment_score":0.17675447463989258}],"sentiment":"neutral","sentiment_score":-0.023526083220238404,"num_words":59,"start":1420.85,"end":1438.43},{"sentences":[{"text":"Yep.","start":1439.05,"end":1439.55,"sentiment":"neutral","sentiment_score":0.10301518440246582},{"text":"Yep.","start":1443.05,"end":1443.55,"sentiment":"neutral","sentiment_score":0.25171881914138794},{"text":"Yep.","start":1445.8501,"end":1446.3501,"sentiment":"neutral","sentiment_score":0.09858305752277374},{"text":"No.","start":1446.41,"end":1446.5701,"sentiment":"neutral","sentiment_score":-0.02721020206809044},{"text":"That's okay.","start":1446.5701,"end":1447.39,"sentiment":"neutral","sentiment_score":0.06274896115064621}],"sentiment":"neutral","sentiment_score":0.09193413021663825,"num_words":6,"start":1439.05,"end":1447.39},{"sentences":[{"text":"When we think about because with the employer contributions, we haven't sort of seen any employer contributions going into the super since July.","start":1448.0901,"end":1455.855,"sentiment":"neutral","sentiment_score":-0.05760468979892523},{"text":"I wanted to sort of look at updating the advice.","start":1457.355,"end":1459.595,"sentiment":"neutral","sentiment_score":0.024889422953128813},{"text":"And if you go to the next document there, you can see all the individual investments within your super fund.","start":1459.595,"end":1465.29,"sentiment":"neutral","sentiment_score":0.03511489424854517},{"text":"But there are a few that are a little bit down this year, so markets have been up and down with everything that's been going on globally.","start":1465.37,"end":1471.55,"sentiment":"neutral","sentiment_score":-0.14968583884614486},{"text":"And a few of those investments I wanted to look at, maybe replace them.","start":1472.17,"end":1476.03,"sentiment":"neutral","sentiment_score":-0.035457564783947806}],"sentiment":"neutral","sentiment_score":-0.052251481986109245,"num_words":94,"start":1448.0901,"end":1476.03},{"sentences":[{"text":"To give you a little bit of an idea of what I've been sort of thinking about doing to help you along is you've got the first investment there, the Benelong Australian Equities.","start":1477.05,"end":1485.8451,"sentiment":"neutral","sentiment_score":0.11295945039301207},{"text":"Now that investment is more of an actively managed fund.","start":1485.985,"end":1489.365,"sentiment":"neutral","sentiment_score":0.041998977214097975},{"text":"Within a portfolio, you do tend to pay a little bit more in fees to be able to have those sorts of managers in there.","start":1489.665,"end":1496.005,"sentiment":"neutral","sentiment_score":-0.008336965441703797},{"text":"If you are open to, I could look at maybe removing that out because it is underperforming a little bit within your portfolio, and I could look at replacing that with a maybe a cheaper investment to lower the investment fees a little bit for you.","start":1496.49,"end":1508.81,"sentiment":"neutral","sentiment_score":0.0006150812234567561},{"text":"Is that something you'd like me to look at?","start":1508.81,"end":1510.83,"sentiment":"neutral","sentiment_score":0.08070115952028169}],"sentiment":"neutral","sentiment_score":0.038161233097799424,"num_words":123,"start":1477.05,"end":1510.83},{"sentences":[{"text":"So BANALON yeah.","start":1519.9751,"end":1521.915,"sentiment":"neutral","sentiment_score":0.036719827602307},{"text":"With the new one, I wanted to replace BANALON with?","start":1522.135,"end":1524.9,"sentiment":"neutral","sentiment_score":0.02691969508305192},{"text":"Yeah.","start":1526.18,"end":1526.5801,"sentiment":"neutral","sentiment_score":0.12980978190898895},{"text":"Absolutely.","start":1526.5801,"end":1527.0801,"sentiment":"neutral","sentiment_score":0.20950937271118164},{"text":"So, Ben along that investment has had some underlying issues.","start":1527.54,"end":1531.3,"sentiment":"neutral","sentiment_score":-0.04103795066475868}],"sentiment":"neutral","sentiment_score":0.01233184326440096,"num_words":25,"start":1519.9751,"end":1531.3},{"sentences":[{"text":"The investment manager hasn't been able to outperform against the market, essentially, and that's what an active manager is trying to do.","start":1531.3,"end":1538.675,"sentiment":"neutral","sentiment_score":-0.14391454072161156},{"text":"They're trying to buy and sell and pick investments and time the market.","start":1538.675,"end":1542.135,"sentiment":"neutral","sentiment_score":0.045360782685188145},{"text":"And they don't always outperform against the market.","start":1542.515,"end":1544.755,"sentiment":"neutral","sentiment_score":-0.15669407043606043},{"text":"There is a bit more risk with those because you they are you know, they tend to underperform more often than not.","start":1544.755,"end":1551.255,"sentiment":"negative","sentiment_score":-0.39271210404959594},{"text":"With the other investments I'm looking at replacing it with, it's more of a passive fund.","start":1551.8301,"end":1556.63,"sentiment":"neutral","sentiment_score":0.057921416126191616}],"sentiment":"neutral","sentiment_score":-0.14250501130282142,"num_words":81,"start":1531.3,"end":1556.63},{"sentences":[{"text":"So it tracks a certain indices.","start":1556.63,"end":1558.49,"sentiment":"neutral","sentiment_score":0.16046079496542612},{"text":"It should have a bit more investments.","start":1558.55,"end":1560.31,"sentiment":"neutral","sentiment_score":0.24332938875470841},{"text":"It might be tracking, you know, two or 500 different investments, so it provides more diversification.","start":1560.31,"end":1564.97,"sentiment":"neutral","sentiment_score":0.24762037955224514},{"text":"We'll obviously replace it if it's been performing better than what Bennelong has over the past couple of years as well.","start":1566.275,"end":1571.7949,"sentiment":"positive","sentiment_score":0.38748970202037264},{"text":"So we do look at past performance to sort of see what can be expected in the future.","start":1571.7949,"end":1576.135,"sentiment":"neutral","sentiment_score":0.2843926383389367}],"sentiment":"neutral","sentiment_score":0.2924168793594136,"num_words":68,"start":1556.63,"end":1576.135},{"sentences":[{"text":"But, yeah, it's also cheaper.","start":1577.315,"end":1579.35,"sentiment":"positive","sentiment_score":0.4972715437412262},{"text":"So saving on, you know, investment fees and things like that could also mean less money going out of your fund, which means more money staying in your super, which could provide benefit down the track.","start":1579.35,"end":1589.93,"sentiment":"positive","sentiment_score":0.5962055118547546},{"text":"No.","start":1598.135,"end":1598.455,"sentiment":"neutral","sentiment_score":-0.11756935715675354},{"text":"This report doesn't.","start":1598.455,"end":1599.575,"sentiment":"neutral","sentiment_score":-0.10661272952953975},{"text":"This report looks at your super, how much is essentially, how much you had last year, the buyers, the sales, the market value, the income.","start":1599.575,"end":1609.01,"sentiment":"neutral","sentiment_score":-0.006653799265623092}],"sentiment":"positive","sentiment_score":0.33351433740130493,"num_words":70,"start":1577.315,"end":1609.01},{"sentences":[{"text":"It's an internal rate of return port, so it doesn't necessarily tell you everything has been going out.","start":1609.01,"end":1614.05,"sentiment":"neutral","sentiment_score":-0.024616456176671717},{"text":"It's about what's being generated within the report as in or within the fund, essentially, how the investments have performed.","start":1614.05,"end":1617.0826,"sentiment":"neutral","sentiment_score":-0.010093562491238117},{"text":"Yeah.","start":1617.0826,"end":1617.09,"sentiment":"neutral","sentiment_score":0.019850460812449455},{"text":"But essentially, how the investments have performed.","start":1617.17,"end":1621.105,"sentiment":"neutral","sentiment_score":0.018605258581893786},{"text":"Yeah.","start":1621.245,"end":1621.745,"sentiment":"neutral","sentiment_score":0.016886798664927483}],"sentiment":"neutral","sentiment_score":-0.010170072158600421,"num_words":47,"start":1609.01,"end":1621.745},{"sentences":[{"text":"But if you like, I could update the advice to reflect that and show you what that would look like.","start":1622.125,"end":1626.545,"sentiment":"neutral","sentiment_score":0.00748347919434309},{"text":"Yeah.","start":1631.725,"end":1632.045,"sentiment":"neutral","sentiment_score":0.009484604932367802},{"text":"I correlate all yeah.","start":1632.045,"end":1634.6699,"sentiment":"neutral","sentiment_score":0.02584377396851778},{"text":"Yeah.","start":1634.6699,"end":1634.99,"sentiment":"neutral","sentiment_score":0.05416987091302872},{"text":"I correlate all of that as part of the advice document.","start":1634.99,"end":1637.47,"sentiment":"neutral","sentiment_score":0.06148962100798434}],"sentiment":"neutral","sentiment_score":0.02684013477551776,"num_words":37,"start":1622.125,"end":1637.47},{"sentences":[{"text":"If you remember back to the last advice document I did, we provide that projection table, which outlines the admin fees, investment fees, and all those sorts of things for the different portfolios that we are recommending.","start":1637.47,"end":1649.475,"sentiment":"neutral","sentiment_score":0.030112524139317306},{"text":"Yeah.","start":1651.455,"end":1651.955,"sentiment":"neutral","sentiment_score":0.17336858808994293},{"text":"So I can do something very similar for you.","start":1652.015,"end":1654.175,"sentiment":"neutral","sentiment_score":0.21539698044459024},{"text":"I can make a recommendation on altering these investments.","start":1654.175,"end":1657.075,"sentiment":"neutral","sentiment_score":0.15127894447909462},{"text":"I'll show you your current scenarios, your current projected outcome with the current portfolio you're in, and also what I'm recommending side by side so you have that comparison in the advice document to kind of make your decision.","start":1657.775,"end":1669.89,"sentiment":"neutral","sentiment_score":0.211645347567705}],"sentiment":"neutral","sentiment_score":0.1351766722178773,"num_words":95,"start":1637.47,"end":1669.89},{"sentences":[{"text":"Does that sound like something you'd be open to?","start":1669.89,"end":1672.2301,"sentiment":"neutral","sentiment_score":0.12288004822201198},{"text":"No.","start":1674.905,"end":1675.385,"sentiment":"negative","sentiment_score":-0.36567264795303345},{"text":"No.","start":1675.385,"end":1675.865,"sentiment":"negative","sentiment_score":-0.4863259196281433},{"text":"That's what you pay us for.","start":1675.865,"end":1677.385,"sentiment":"neutral","sentiment_score":-0.03338757033149401},{"text":"Absolutely.","start":1677.385,"end":1677.885,"sentiment":"neutral","sentiment_score":0.25879520177841187}],"sentiment":"neutral","sentiment_score":0.01735509145590994,"num_words":18,"start":1669.89,"end":1677.885},{"sentences":[{"text":"Definitely.","start":1678.3451,"end":1678.8451,"sentiment":"neutral","sentiment_score":0.2306722104549408},{"text":"Yeah.","start":1679.2251,"end":1679.7251,"sentiment":"neutral","sentiment_score":0.12366814911365508},{"text":"Never too much trouble.","start":1679.865,"end":1681.005,"sentiment":"neutral","sentiment_score":0.03628804348409176},{"text":"Absolutely.","start":1682.025,"end":1682.525,"sentiment":"neutral","sentiment_score":0.1923801749944687},{"text":"I'll do that for you.","start":1683.865,"end":1685.405,"sentiment":"neutral","sentiment_score":0.2917629987001419}],"sentiment":"neutral","sentiment_score":0.17922397516667843,"num_words":12,"start":1678.3451,"end":1685.405},{"sentences":[{"text":"Yeah.","start":1685.75,"end":1686.25,"sentiment":"neutral","sentiment_score":0.06365175545215607},{"text":"Yes.","start":1690.9501,"end":1691.4501,"sentiment":"neutral","sentiment_score":0.06664778292179108},{"text":"Yep.","start":1693.91,"end":1694.41,"sentiment":"neutral","sentiment_score":0.07890991866588593},{"text":"Yes.","start":1712.005,"end":1712.43,"sentiment":"neutral","sentiment_score":0.024089429527521133},{"text":"Yeah.","start":1723.63,"end":1724.03,"sentiment":"neutral","sentiment_score":0.1241726279258728}],"sentiment":"neutral","sentiment_score":0.0714943028986454,"num_words":5,"start":1685.75,"end":1724.03},{"sentences":[{"text":"I can certainly show you what that looks like.","start":1724.03,"end":1725.9501,"sentiment":"neutral","sentiment_score":0.21292107800642648},{"text":"If you go to the next document for me, you've got the 2026 Vanguard index chart there.","start":1725.9501,"end":1731.535,"sentiment":"neutral","sentiment_score":0.10527782361297046},{"text":"Yeah.","start":1732.875,"end":1733.195,"sentiment":"neutral","sentiment_score":0.10211129486560822},{"text":"So this shows you how the markets have reacted over the past thirty years.","start":1733.195,"end":1737.375,"sentiment":"neutral","sentiment_score":0.10561525768467359},{"text":"So when we sort of look at different investments, and I think what you're sort of finding out is whether whether the passive investments can obtain the same sort of growth that that active managers can obtain.","start":1737.515,"end":1749.51,"sentiment":"neutral","sentiment_score":0.07442968499821585}],"sentiment":"neutral","sentiment_score":0.10308507629312001,"num_words":78,"start":1724.03,"end":1749.51},{"sentences":[{"text":"Is that sort of what you're asking?","start":1749.51,"end":1751.29,"sentiment":"neutral","sentiment_score":0.04005256401641028},{"text":"Yeah.","start":1752.87,"end":1753.35,"sentiment":"neutral","sentiment_score":0.1124923974275589},{"text":"Yeah.","start":1753.35,"end":1753.59,"sentiment":"neutral","sentiment_score":0.18423086404800415},{"text":"Absolutely.","start":1753.59,"end":1754.09,"sentiment":"neutral","sentiment_score":0.21416574716567993},{"text":"So with this sort of investment, this is tracking how the market has performed in different investments.","start":1754.47,"end":1759.375,"sentiment":"neutral","sentiment_score":0.14184837744516485}],"sentiment":"neutral","sentiment_score":0.1186177545675525,"num_words":27,"start":1749.51,"end":1759.375},{"sentences":[{"text":"So one of the things that we look at when we are investing, and there's different ways to do so, the first thing is growth and defensive investments.","start":1759.4349,"end":1766.735,"sentiment":"neutral","sentiment_score":0.10770335660449096},{"text":"So on the side here, you'll see US shares, Australian shares, international shares, and listed property.","start":1767.21,"end":1772.99,"sentiment":"neutral","sentiment_score":0.08960088156163692},{"text":"These are all growth assets.","start":1773.45,"end":1775.39,"sentiment":"neutral","sentiment_score":0.08620132952928543},{"text":"Within a portfolio, you can have actively managed managed funds like a Bannalong and Alfiniti and loads lots of other ones out there, and they are all growth assets.","start":1775.9299,"end":1786.725,"sentiment":"neutral","sentiment_score":0.12297254094275935},{"text":"You can also have passive investments.","start":1787.0249,"end":1789.205,"sentiment":"neutral","sentiment_score":0.19110310822725296}],"sentiment":"neutral","sentiment_score":0.11420401278883219,"num_words":84,"start":1759.4349,"end":1789.205},{"sentences":[{"text":"And within your portfolio at the moment, you've also got the S and P 500, so the iShares S and P 500 ETF.","start":1789.2649,"end":1796.8049,"sentiment":"neutral","sentiment_score":0.1484705025087232},{"text":"Now that investment is still a growth investment.","start":1797.39,"end":1799.89,"sentiment":"positive","sentiment_score":0.33333310671150684},{"text":"It still fits in this US shares and international shares spectrum.","start":1799.9501,"end":1803.5701,"sentiment":"positive","sentiment_score":0.442014369097623},{"text":"It's still a growth asset that, like, gets really good returns, but it's also a passive man passively managed fund in the way that the investment committee is just tracking the top 500 companies on The US.","start":1803.79,"end":1817.185,"sentiment":"positive","sentiment_score":0.38347491138690226},{"text":"It's tracking the index to the S and P 500.","start":1817.185,"end":1820.005,"sentiment":"neutral","sentiment_score":0.2124778911471367}],"sentiment":"neutral","sentiment_score":0.3062583719579022,"num_words":89,"start":1789.2649,"end":1820.005},{"sentences":[{"text":"That makes the investment cheaper to hold because they're not buying and selling within the investment as much.","start":1820.9451,"end":1827.01,"sentiment":"neutral","sentiment_score":0.1192257006963094},{"text":"They're just tracking the industry.","start":1827.0701,"end":1828.61,"sentiment":"neutral","sentiment_score":0.11365116387605667},{"text":"However, the the maker of the indices of the S and P 500, they meet every quarter, and certain companies in order to be in the S and P 500 actually have to meet a certain criteria.","start":1828.91,"end":1839.3301,"sentiment":"neutral","sentiment_score":0.06319531400662821},{"text":"If a company no longer meets that criteria, they are removed from the index, and therefore, they are also moved from the S and P 500 investments that are tracking that indices.","start":1840.155,"end":1849.535,"sentiment":"neutral","sentiment_score":-0.10360914084594697},{"text":"So it's kind of a flow on effect.","start":1849.8351,"end":1851.6951,"sentiment":"neutral","sentiment_score":0.17952840961515903}],"sentiment":"neutral","sentiment_score":0.03173279820010066,"num_words":100,"start":1820.9451,"end":1851.6951},{"sentences":[{"text":"But the main difference between passive passively managed funds and actively managed funds is that passively managed funds are tracking a certain index or the market as a whole.","start":1851.83,"end":1862.81,"sentiment":"neutral","sentiment_score":0.06314429769228244},{"text":"There's less trading going on.","start":1862.95,"end":1865.05,"sentiment":"neutral","sentiment_score":-0.09313004016876221},{"text":"And longer term, when you think about the last sort of thirty or forty years, quite often, bidding in a passively managed fund actually outperforms an active manager because an active investment manager is trying to pick and time the market.","start":1866.0449,"end":1879.1649,"sentiment":"neutral","sentiment_score":0.247833156912792},{"text":"They're trying to choose what investments to buy, when to buy into them, how much to buy into them, and they're trying to outperform against the market.","start":1879.1649,"end":1886.1901,"sentiment":"neutral","sentiment_score":0.2866058150927226},{"text":"So they're trying to show that they're smarter than the market as a whole.","start":1886.1901,"end":1889.81,"sentiment":"positive","sentiment_score":0.47362516288246426}],"sentiment":"neutral","sentiment_score":0.22323968235788674,"num_words":116,"start":1851.83,"end":1889.81},{"sentences":[{"text":"The problem we have with people trying to trade against the market and, you know, try to outperform against the market is that 99% of what happens in the market is human emotion, and you sort of know that yourself.","start":1889.9501,"end":1902.5951,"sentiment":"negative","sentiment_score":-0.48509900774806736},{"text":"When you sort of look at the markets going up and down, when we see the green numbers and we see that the market's going up and we've made money, it makes us feel really good that we're doing that things are working really well, and we're happy with that.","start":1902.5951,"end":1915.1,"sentiment":"positive","sentiment_score":0.35185200199484823},{"text":"However, when the market takes a little bit of a dip, we tend to feel a little bit nervous that can you you know we don't like to see the red numbers.","start":1915.24,"end":1922.465,"sentiment":"negative","sentiment_score":-0.402316908352077},{"text":"We don't like to see things going down.","start":1922.465,"end":1924.145,"sentiment":"negative","sentiment_score":-0.5279311798512936},{"text":"It can make us feel very nervous, especially as we get closer to accessing our super.","start":1924.145,"end":1928.4049,"sentiment":"negative","sentiment_score":-0.5472001805901527}],"sentiment":"neutral","sentiment_score":-0.189480504148627,"num_words":146,"start":1889.9501,"end":1928.4049},{"sentences":[{"text":"So that's the same as everybody else that invests.","start":1929.6649,"end":1932.645,"sentiment":"neutral","sentiment_score":-0.1603559081753095},{"text":"When someone sees something going down, well, I hear news that's concerning, they may start to sell.","start":1932.9,"end":1938.04,"sentiment":"neutral","sentiment_score":-0.1550526995869244},{"text":"Then somebody else does the same thing.","start":1938.26,"end":1940.02,"sentiment":"neutral","sentiment_score":-0.11887930440051216},{"text":"Then somebody else does the same thing, and it starts a big flow on effect.","start":1940.02,"end":1943.56,"sentiment":"neutral","sentiment_score":-0.009743370115756989},{"text":"And that's where those big sales come from.","start":1943.7001,"end":1946.02,"sentiment":"neutral","sentiment_score":0.10196387395262718}],"sentiment":"neutral","sentiment_score":-0.07574453138347183,"num_words":56,"start":1929.6649,"end":1946.02},{"sentences":[{"text":"It starts where someone or, you know, a few people start to sell off because, yeah, people hear things that make them concerned.","start":1946.02,"end":1953.525,"sentiment":"neutral","sentiment_score":-0.005835405429420264},{"text":"They sell the investments, try and submit to take those gains that they've made.","start":1953.905,"end":1958.565,"sentiment":"neutral","sentiment_score":0.008090169302054815},{"text":"And then other people see the investment going down, and they get a bit weary and concerned, and they start to sell as well.","start":1958.705,"end":1964.7799,"sentiment":"neutral","sentiment_score":-0.25739363332589466},{"text":"My job is to stop you from making those sorts of sales.","start":1965.3999,"end":1968.7,"sentiment":"negative","sentiment_score":-0.36350611100594205},{"text":"Because as the investment is going down, the more people that sell that investment, they start to submit they start to cement those losses where they're not making any money.","start":1969.0,"end":1978.115,"sentiment":"negative","sentiment_score":-0.42600918412208555}],"sentiment":"neutral","sentiment_score":-0.22660920398255574,"num_words":103,"start":1946.02,"end":1978.115},{"sentences":[{"text":"And if you're continuously selling investments when they're decreasing in value, then well, when the market's going down, then you're never actually gonna make any money.","start":1978.115,"end":1987.575,"sentiment":"neutral","sentiment_score":-0.3134736493229866},{"text":"What we try to look at doing with you is keeping you invested through those downtimes, keep those contributions going in when they are.","start":1987.7949,"end":1994.47,"sentiment":"neutral","sentiment_score":0.11417000430325668},{"text":"And it's not just the contributions.","start":1994.61,"end":1995.99,"sentiment":"neutral","sentiment_score":0.1264178641140461},{"text":"It's also the income.","start":1996.13,"end":1997.43,"sentiment":"neutral","sentiment_score":0.16049867495894432},{"text":"So the investments that we invest you in, they produce dividends.","start":1997.5701,"end":2001.03,"sentiment":"neutral","sentiment_score":0.23383321138945493}],"sentiment":"neutral","sentiment_score":-0.0202474305537385,"num_words":71,"start":1978.115,"end":2001.03},{"sentences":[{"text":"Those dividends are paid into your cash account and reinvested back into your portfolio, and that also helps with the compounding effect of reinvesting.","start":2001.17,"end":2010.005,"sentiment":"neutral","sentiment_score":0.2824148841900751},{"text":"And income is still a good a good way to produce growth and keep your super working harder even when you're maybe not working or not getting contributions.","start":2010.305,"end":2018.645,"sentiment":"positive","sentiment_score":0.4764257366103785},{"text":"So your super still can work, albeit contributions are still better to put in there to help it along.","start":2019.24,"end":2025.74,"sentiment":"positive","sentiment_score":0.41718883734000356},{"text":"But when it isn't getting contributions for a time, as long as you're able to get income on a regular basis and reinvest that income, your super can still work and grow.","start":2026.2,"end":2035.185,"sentiment":"positive","sentiment_score":0.3564787651412189},{"text":"But, essentially, we wanna stop you from sort of making those rash decisions and selling when the market is going down because we want you to hold through that time.","start":2035.965,"end":2043.985,"sentiment":"neutral","sentiment_score":-0.2343271100272735}],"sentiment":"neutral","sentiment_score":0.24377423262265616,"num_words":133,"start":2001.17,"end":2043.985},{"sentences":[{"text":"And with your portfolio at the moment, you're in that high growth environment that generally sees when you look at this report here, that sees 90% of your super invested in US shares, Australian shares, international shares, and listed property.","start":2044.44,"end":2058.6199,"sentiment":"neutral","sentiment_score":0.04132271573471371},{"text":"That's 90% in those higher risk investments that can get greater potential returns over the longer term, but do see the ups and downs in the short term, which makes us feel very nervous.","start":2058.905,"end":2070.685,"sentiment":"neutral","sentiment_score":-0.17868667369817987},{"text":"And then you also see around about 10% in low risk defensive investments.","start":2071.49,"end":2076.3098,"sentiment":"neutral","sentiment_score":-0.018477543901938658},{"text":"So if you look at the bottom, that's like bonds.","start":2076.3699,"end":2078.79,"sentiment":"neutral","sentiment_score":0.021769822295755147},{"text":"Essentially, you'll see the bonds over the last thirty years averaged about 5.2%.","start":2079.3298,"end":2084.4949,"sentiment":"neutral","sentiment_score":0.0396152504075032}],"sentiment":"neutral","sentiment_score":-0.035726816989269786,"num_words":110,"start":2044.44,"end":2084.4949},{"sentences":[{"text":"It's a much smaller return, but it hasn't gone up and down as drastically.","start":2084.635,"end":2088.9749,"sentiment":"neutral","sentiment_score":-0.011239828275782722},{"text":"That line is fairly steady.","start":2089.035,"end":2090.7349,"sentiment":"neutral","sentiment_score":0.17247095704078674},{"text":"So you have some growth assets, some defensive in assets that makes up the risk level of your portfolio.","start":2091.4348,"end":2097.4548,"sentiment":"neutral","sentiment_score":0.15642438554450086},{"text":"But then the other layer to your risk level is whether you're having active managers in there, passive managers in there, or how your portfolio is structured and diversifying.","start":2098.01,"end":2107.8699,"sentiment":"neutral","sentiment_score":0.10826856373199101},{"text":"So spreading your risk level across lots of different countries, different industries, different asset classes as well.","start":2108.25,"end":2114.045,"sentiment":"neutral","sentiment_score":0.15272727783988505}],"sentiment":"neutral","sentiment_score":0.11206205459755092,"num_words":84,"start":2084.635,"end":2114.045},{"sentences":[{"text":"Does that make sense?","start":2114.265,"end":2115.305,"sentiment":"neutral","sentiment_score":0.12034497782588005},{"text":"Do you have more questions?","start":2115.305,"end":2116.505,"sentiment":"neutral","sentiment_score":0.05088173747062683},{"text":"You're welcome to let me know if you do.","start":2116.505,"end":2118.365,"sentiment":"neutral","sentiment_score":0.2439055989185969},{"text":"Yeah.","start":2125.2249,"end":2125.7249,"sentiment":"neutral","sentiment_score":-0.01080853585153818},{"text":"Yeah.","start":2129.47,"end":2129.97,"sentiment":"neutral","sentiment_score":-0.014721658080816267}],"sentiment":"neutral","sentiment_score":0.1452704397495836,"num_words":20,"start":2114.265,"end":2129.97},{"sentences":[{"text":"Mhmm.","start":2134.4302,"end":2134.9302,"sentiment":"neutral","sentiment_score":-0.03167106956243515},{"text":"Yeah.","start":2135.07,"end":2135.57,"sentiment":"neutral","sentiment_score":-0.047354936599731445},{"text":"Yeah.","start":2142.11,"end":2142.59,"sentiment":"neutral","sentiment_score":0.006690589245408773},{"text":"So the yeah.","start":2142.59,"end":2144.03,"sentiment":"neutral","sentiment_score":0.07517826557159424},{"text":"So you do that's part of the investment phase, essentially, when you're investing into a portfolio or into a manager.","start":2144.03,"end":2149.7048,"sentiment":"neutral","sentiment_score":0.19013462364673614}],"sentiment":"neutral","sentiment_score":0.15214968664356723,"num_words":26,"start":2134.4302,"end":2149.7048},{"sentences":[{"text":"And that's where if you wanted to look at something a bit cheaper, I could look at keeping you in that high growth environment as long as you're still comfortable with that.","start":2150.4849,"end":2158.71,"sentiment":"positive","sentiment_score":0.38589315209537745},{"text":"And, also, just alter your portfolio so that we maybe have some cheaper investments, which might reduce your investment fees, but still provide good performance over the longer term.","start":2159.3499,"end":2169.93,"sentiment":"positive","sentiment_score":0.41637915681148396},{"text":"Yeah.","start":2177.935,"end":2178.435,"sentiment":"neutral","sentiment_score":0.13869372010231018},{"text":"Yep.","start":2182.975,"end":2183.475,"sentiment":"neutral","sentiment_score":0.10610312223434448},{"text":"Yep.","start":2185.7751,"end":2186.2751,"sentiment":"neutral","sentiment_score":0.21374928951263428}],"sentiment":"positive","sentiment_score":0.38878316478803754,"num_words":64,"start":2150.4849,"end":2186.2751},{"sentences":[{"text":"Absolutely.","start":2186.415,"end":2186.915,"sentiment":"neutral","sentiment_score":0.27718281745910645},{"text":"That's okay.","start":2187.5352,"end":2188.355,"sentiment":"positive","sentiment_score":0.3581627160310745},{"text":"I do have a couple of different options that I've sort of been looking at.","start":2188.6702,"end":2191.87,"sentiment":"neutral","sentiment_score":0.2540922363599141},{"text":"One of them is a wholly passive fund, which has good returns in the past.","start":2191.87,"end":2196.85,"sentiment":"positive","sentiment_score":0.39479596515496573},{"text":"It can definitely lower your investment fees fairly significantly.","start":2196.99,"end":2200.1301,"sentiment":"positive","sentiment_score":0.47119926412900287}],"sentiment":"positive","sentiment_score":0.35637201546203523,"num_words":42,"start":2186.415,"end":2200.1301},{"sentences":[{"text":"Or I do have a portfolio that has a little bit of active management in it.","start":2200.875,"end":2204.955,"sentiment":"neutral","sentiment_score":0.12516933819279075},{"text":"Which way would you prefer to go investment wise?","start":2204.955,"end":2207.515,"sentiment":"neutral","sentiment_score":0.10950399231579569},{"text":"Do you wanna see a little bit of active management but try to reduce fees where possible, or would you like to go full passively managed fund and try to reduce fees as much as possible?","start":2207.515,"end":2218.19,"sentiment":"neutral","sentiment_score":0.08569527044892311},{"text":"What would you prefer?","start":2218.25,"end":2219.31,"sentiment":"neutral","sentiment_score":0.04908435232937336},{"text":"Yeah.","start":2233.7148,"end":2234.035,"sentiment":"neutral","sentiment_score":-0.07343430817127228}],"sentiment":"neutral","sentiment_score":0.09388148756415556,"num_words":66,"start":2200.875,"end":2234.035},{"sentences":[{"text":"The downturn wasn't overly bad.","start":2234.035,"end":2235.875,"sentiment":"neutral","sentiment_score":-0.10947813242673873},{"text":"It was only I think we only really dropped about a three percent drop.","start":2235.875,"end":2238.9949,"sentiment":"neutral","sentiment_score":-0.10697518661618233},{"text":"So the market is still very heavily overvalued.","start":2238.9949,"end":2241.4949,"sentiment":"neutral","sentiment_score":-0.12128542317077518},{"text":"It's still doing quite well.","start":2241.7148,"end":2242.9949,"sentiment":"neutral","sentiment_score":0.2440466672182083},{"text":"We have seen the ups and downs this year, but as a whole, we're still seeing a lot of growth there.","start":2242.9949,"end":2248.47,"sentiment":"neutral","sentiment_score":0.15879368782043457}],"sentiment":"neutral","sentiment_score":0.029048568305541884,"num_words":53,"start":2234.035,"end":2248.47},{"sentences":[{"text":"My job as the adviser, unfortunately, is to make the recommendation and choose one of the options that suits your goals.","start":2249.0898,"end":2254.93,"sentiment":"neutral","sentiment_score":-0.047765380569866726},{"text":"So I don't provide the advice giving you the two different portfolios and letting you choose which one's preferable.","start":2254.93,"end":2260.6052,"sentiment":"neutral","sentiment_score":-0.15213889903143832},{"text":"I've gotta kind of make that recommendation for you.","start":2260.6052,"end":2263.5051,"sentiment":"neutral","sentiment_score":-0.05160160321328375},{"text":"I personally sort of talking from where you are.","start":2265.0051,"end":2267.5652,"sentiment":"neutral","sentiment_score":0.08588471511999766},{"text":"The way I sort of see things for yourself is, I mean, looking at your age at the moment, are you still wanting to access super around about 60 or 65?","start":2267.5652,"end":2277.0698,"sentiment":"neutral","sentiment_score":0.08595798729408172}],"sentiment":"neutral","sentiment_score":-0.010342319778512033,"num_words":89,"start":2249.0898,"end":2277.0698},{"sentences":[{"text":"What is your goal there at the moment for accessing your super?","start":2277.0698,"end":2280.3699,"sentiment":"neutral","sentiment_score":0.08400843199342489},{"text":"Yep.","start":2289.5452,"end":2290.0452,"sentiment":"neutral","sentiment_score":0.22612987458705905},{"text":"Yep.","start":2295.0,"end":2295.5,"sentiment":"neutral","sentiment_score":0.2516179084777832},{"text":"Well, you can actually access super from the age of 60.","start":2303.16,"end":2306.06,"sentiment":"positive","sentiment_score":0.39448007399385626},{"text":"As long as you are fully retired, they'll let you access all of your funds completely tax free.","start":2306.44,"end":2311.4648,"sentiment":"positive","sentiment_score":0.43442272808816695}],"sentiment":"neutral","sentiment_score":0.31731950898849687,"num_words":43,"start":2277.0698,"end":2311.4648},{"sentences":[{"text":"The alternative is 65.","start":2312.005,"end":2314.025,"sentiment":"neutral","sentiment_score":0.29498837143182755},{"text":"They'll release your funds a 100% tax free regardless of whether you're working or not.","start":2314.085,"end":2319.39,"sentiment":"neutral","sentiment_score":0.3175476451714834},{"text":"And currently, the age 67 is if you're eligible able to access the the age pension.","start":2319.63,"end":2324.8499,"sentiment":"neutral","sentiment_score":0.2729986384510994},{"text":"So, realistically, you could retire from 60 onwards if you would like to.","start":2324.99,"end":2329.23,"sentiment":"neutral","sentiment_score":0.2652644102389996},{"text":"But if you're happy with 65, are you comfortable with me leaving that as your goal for the time being?","start":2329.23,"end":2334.465,"sentiment":"neutral","sentiment_score":0.19041518419981002}],"sentiment":"neutral","sentiment_score":0.25835128522971096,"num_words":68,"start":2312.005,"end":2334.465},{"sentences":[{"text":"Yep.","start":2336.205,"end":2336.5251,"sentiment":"neutral","sentiment_score":0.20757929980754852},{"text":"That's okay.","start":2336.5251,"end":2337.325,"sentiment":"neutral","sentiment_score":0.3113151490688324},{"text":"So just sort of talking about where things are at, I think one of the things that feels really important to you, and please correct me if I'm wrong, but it feels that the fee aspect is probably the biggest thing because you are working casually.","start":2337.325,"end":2349.14,"sentiment":"neutral","sentiment_score":0.11098976668132388},{"text":"Haven't really got contributions going, and reducing fees as much as possible feels like it's more appropriate to you.","start":2349.2,"end":2355.78,"sentiment":"neutral","sentiment_score":0.11103752203206041},{"text":"Are you am I on the right track with that?","start":2355.92,"end":2358.08,"sentiment":"neutral","sentiment_score":0.26297965198755263}],"sentiment":"neutral","sentiment_score":0.1368621577406511,"num_words":78,"start":2336.205,"end":2358.08},{"sentences":[{"text":"Is there anything that you would alter or change or correct me if I'm wrong.","start":2358.08,"end":2362.215,"sentiment":"neutral","sentiment_score":-0.07522825201352437},{"text":"Yeah.","start":2369.795,"end":2370.295,"sentiment":"neutral","sentiment_score":0.011228224262595177},{"text":"Yeah.","start":2376.45,"end":2376.8499,"sentiment":"neutral","sentiment_score":0.04060371592640877},{"text":"You yeah.","start":2376.8499,"end":2378.2898,"sentiment":"neutral","sentiment_score":0.026773187331855297},{"text":"Absolutely.","start":2378.2898,"end":2378.7898,"sentiment":"neutral","sentiment_score":0.09956364333629608}],"sentiment":"neutral","sentiment_score":-0.046174091100692746,"num_words":20,"start":2358.08,"end":2378.7898},{"sentences":[{"text":"Mhmm.","start":2382.8499,"end":2383.3499,"sentiment":"neutral","sentiment_score":0.023906763643026352},{"text":"Yeah.","start":2385.0898,"end":2385.465,"sentiment":"neutral","sentiment_score":0.01749579980969429},{"text":"I mean, we can still definitely keep you in the high growth risk profile.","start":2385.7852,"end":2389.8052,"sentiment":"neutral","sentiment_score":0.20434212937418902},{"text":"Keep that asset allocation.","start":2390.185,"end":2391.705,"sentiment":"neutral","sentiment_score":0.32530777156352997},{"text":"That's no problem, but still reduce fees and and try to make the portfolio cheaper.","start":2391.705,"end":2396.2852,"sentiment":"neutral","sentiment_score":0.31736891269683837}],"sentiment":"neutral","sentiment_score":0.2561130614685161,"num_words":35,"start":2382.8499,"end":2396.2852},{"sentences":[{"text":"I definitely have some ways that I can incorporate that for you.","start":2396.345,"end":2399.725,"sentiment":"positive","sentiment_score":0.45996878544489544},{"text":"I'm just sort of looking at the way I sort of see things for you.","start":2400.51,"end":2403.6501,"sentiment":"neutral","sentiment_score":0.21327549417813618},{"text":"And please, as I said, correct me if I'm wrong, but I feel like going in a bit more of that passive direction, lowering the risk of your portfolio as much as possible, keeping you with that high growth asset allocation, and lowering fees as much as we possibly can feels like it's more the right direction for you, especially as, you know, you're not contributing as much at the moment, but also focusing on income production within those investments, trying to get as much income out of them as possible.","start":2403.79,"end":2429.345,"sentiment":"neutral","sentiment_score":0.2664532081766443},{"text":"Am I on the right track?","start":2429.345,"end":2430.51,"sentiment":"neutral","sentiment_score":0.11062721908092499},{"text":"Is there anything you would change with that?","start":2430.51,"end":2432.61,"sentiment":"neutral","sentiment_score":0.020054224878549576}],"sentiment":"neutral","sentiment_score":0.255986340118177,"num_words":132,"start":2396.345,"end":2432.61},{"sentences":[{"text":"Yep.","start":2458.65,"end":2459.15,"sentiment":"neutral","sentiment_score":-0.00930451974272728},{"text":"Investment.","start":2467.69,"end":2468.19,"sentiment":"neutral","sentiment_score":-0.020350787788629532},{"text":"Yep.","start":2473.53,"end":2473.935,"sentiment":"neutral","sentiment_score":0.005589987616986036},{"text":"Mhmm.","start":2483.5352,"end":2484.0352,"sentiment":"neutral","sentiment_score":-0.008421978913247585},{"text":"Yep.","start":2485.2952,"end":2485.7751,"sentiment":"neutral","sentiment_score":0.15985366702079773}],"sentiment":"neutral","sentiment_score":0.025473273638635874,"num_words":5,"start":2458.65,"end":2485.7751},{"sentences":[{"text":"Absolutely.","start":2485.7751,"end":2486.2751,"sentiment":"positive","sentiment_score":0.410981684923172},{"text":"I like that.","start":2486.655,"end":2487.2952,"sentiment":"positive","sentiment_score":0.5646511316299438},{"text":"Fantastic.","start":2487.2952,"end":2487.7952,"sentiment":"positive","sentiment_score":0.6657005548477173},{"text":"Well, that's what I'll sort of focus on looking at for you.","start":2487.855,"end":2491.2302,"sentiment":"neutral","sentiment_score":0.2979544326663017},{"text":"I do know you sort of made mention to me that you wanna stay in that high growth environment a little bit longer.","start":2491.77,"end":2496.9702,"sentiment":"neutral","sentiment_score":0.22378384030383566}],"sentiment":"neutral","sentiment_score":0.287327928841114,"num_words":40,"start":2485.7751,"end":2496.9702},{"sentences":[{"text":"And, realistically, you absolutely can.","start":2496.9702,"end":2498.8901,"sentiment":"neutral","sentiment_score":0.2277178943157196},{"text":"That high growth portfolio happily suit someone who has at least eight years before accessing their super.","start":2498.8901,"end":2505.355,"sentiment":"positive","sentiment_score":0.6391328766065485},{"text":"You do have that ahead of you.","start":2505.355,"end":2506.7148,"sentiment":"positive","sentiment_score":0.7763210875647408},{"text":"It is absolutely fine.","start":2506.7148,"end":2508.415,"sentiment":"positive","sentiment_score":0.8027284145355225},{"text":"The only set of questions I would ask just to sort of gauge your risk tolerance there is the first one here is basically asking how much risk do you think you're comfortable taking in order to get those higher potential returns.","start":2509.1948,"end":2522.35,"sentiment":"neutral","sentiment_score":-0.0042055945932155565}],"sentiment":"neutral","sentiment_score":0.27296499562760196,"num_words":75,"start":2496.9702,"end":2522.35},{"sentences":[{"text":"Are you comfortable taking the highest level of risk?","start":2522.8901,"end":2525.6301,"sentiment":"neutral","sentiment_score":-0.021698837478955586},{"text":"Are you comfortable with setting a medium or moderate amount of risk or no risk knowing the returns are lower.","start":2525.93,"end":2532.7048,"sentiment":"neutral","sentiment_score":-0.0424430807121098},{"text":"You can go in between those if you'd like to as well.","start":2532.7048,"end":2534.545,"sentiment":"neutral","sentiment_score":0.012786317151039839},{"text":"Where do you think you fit on that scale?","start":2534.545,"end":2541.4448,"sentiment":"neutral","sentiment_score":0.0071454160950250095},{"text":"Yep.","start":2541.7449,"end":2542.2449,"sentiment":"neutral","sentiment_score":0.04963795095682144}],"sentiment":"neutral","sentiment_score":-0.01523075784173082,"num_words":51,"start":2522.8901,"end":2542.2449},{"sentences":[{"text":"Yep.","start":2542.305,"end":2542.545,"sentiment":"neutral","sentiment_score":0.1328270584344864},{"text":"Absolutely.","start":2542.545,"end":2543.045,"sentiment":"neutral","sentiment_score":0.1672365665435791},{"text":"The next one here is is if we did see a large market dip in the future and your portfolio fell by, say, 20%, how do you think you might be feeling?","start":2544.545,"end":2553.31,"sentiment":"neutral","sentiment_score":-0.039570224354974926},{"text":"Are you possibly taking it as a buying opportunity and putting some more money into the market?","start":2553.85,"end":2559.1501,"sentiment":"neutral","sentiment_score":-0.04383764876162305},{"text":"Are you a bit concerned?","start":2559.725,"end":2561.0251,"sentiment":"neutral","sentiment_score":-0.12672657072544097}],"sentiment":"neutral","sentiment_score":-0.04187600780278444,"num_words":56,"start":2542.305,"end":2561.0251},{"sentences":[{"text":"You'll maybe hold and wait and call us and see what we suggest you do, or are you feeling a little bit more anxious and wanting to maybe sell the investments to cash?","start":2561.085,"end":2572.205,"sentiment":"neutral","sentiment_score":-0.14717903022061696},{"text":"How do you think you might react?","start":2572.205,"end":2573.61,"sentiment":"neutral","sentiment_score":-0.09056196787527629},{"text":"Yep.","start":2594.105,"end":2594.505,"sentiment":"neutral","sentiment_score":0.0064033279195427895},{"text":"Maybe call us.","start":2594.505,"end":2595.545,"sentiment":"neutral","sentiment_score":-0.006597224933405717},{"text":"Yep.","start":2595.545,"end":2596.045,"sentiment":"neutral","sentiment_score":0.012188482098281384}],"sentiment":"neutral","sentiment_score":-0.12204536971532637,"num_words":45,"start":2561.085,"end":2596.045},{"sentences":[{"text":"Yep.","start":2597.465,"end":2597.965,"sentiment":"neutral","sentiment_score":0.03162859380245209},{"text":"That's okay.","start":2598.105,"end":2598.925,"sentiment":"neutral","sentiment_score":0.05449794791638851},{"text":"Not a problem at all.","start":2598.985,"end":2600.22,"sentiment":"neutral","sentiment_score":0.042871440574526784},{"text":"And the last one here is seeing market drop.","start":2600.3,"end":2602.8599,"sentiment":"neutral","sentiment_score":-0.032515942636463374},{"text":"So seeing your portfolio take a bit of a dip due to what's happening globally, do you feel a bit optimistic about the investment opportunities?","start":2602.8599,"end":2610.72,"sentiment":"neutral","sentiment_score":-0.026261295676231384}],"sentiment":"neutral","sentiment_score":-0.014147480550621237,"num_words":42,"start":2597.465,"end":2610.72},{"sentences":[{"text":"Are you feeling a bit cautious, concerned, or anxious about the ups and downs in the market?","start":2610.94,"end":2615.18,"sentiment":"neutral","sentiment_score":-0.17309651129386006},{"text":"How do you think you might feel?","start":2615.18,"end":2620.355,"sentiment":"neutral","sentiment_score":-0.04126599830176149},{"text":"That's okay.","start":2620.355,"end":2621.075,"sentiment":"neutral","sentiment_score":0.02280785795301199},{"text":"When you think about market dips due to what's happening globally, do you think when you see your super falling value because of what's happening so say Trump went out and tweeted something tomorrow when we saw a market dip again.","start":2621.075,"end":2632.57,"sentiment":"neutral","sentiment_score":-0.07536295919520099},{"text":"Are you feeling optimistic about the investment opportunities?","start":2632.9502,"end":2635.61,"sentiment":"neutral","sentiment_score":0.10510233417153358}],"sentiment":"neutral","sentiment_score":-0.07246599490443865,"num_words":75,"start":2610.94,"end":2635.61},{"sentences":[{"text":"Are you cautious, concerned, or feeling very anxious?","start":2635.9102,"end":2638.6301,"sentiment":"neutral","sentiment_score":-0.19511732552200556},{"text":"How do you think you might feel?","start":2638.6301,"end":2640.1702,"sentiment":"neutral","sentiment_score":-0.03264749954853739},{"text":"Yep.","start":2644.885,"end":2645.385,"sentiment":"neutral","sentiment_score":-0.011467553675174711},{"text":"Yep.","start":2648.725,"end":2649.225,"sentiment":"neutral","sentiment_score":-0.09166106581687929},{"text":"No.","start":2650.725,"end":2650.965,"sentiment":"neutral","sentiment_score":-0.13412190973758698}],"sentiment":"neutral","sentiment_score":-0.11259564612474707,"num_words":18,"start":2635.9102,"end":2650.965},{"sentences":[{"text":"That's okay.","start":2650.965,"end":2651.785,"sentiment":"neutral","sentiment_score":0.02883538231253624},{"text":"Absolutely fine.","start":2652.005,"end":2653.205,"sentiment":"positive","sentiment_score":0.3642303794622421},{"text":"Beautiful.","start":2653.205,"end":2653.705,"sentiment":"positive","sentiment_score":0.6527955532073975},{"text":"Fantastic.","start":2654.165,"end":2654.665,"sentiment":"positive","sentiment_score":0.6259409189224243},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever borrow from a bank or financial institution in order to, say, buy property?","start":2656.45,"end":2667.73,"sentiment":"neutral","sentiment_score":0.04127329663329181}],"sentiment":"neutral","sentiment_score":0.07913221779745072,"num_words":48,"start":2650.965,"end":2667.73},{"sentences":[{"text":"What do you think about that?","start":2667.73,"end":2669.1902,"sentiment":"neutral","sentiment_score":-0.005911082495003939},{"text":"Yep.","start":2679.445,"end":2679.945,"sentiment":"neutral","sentiment_score":0.02856536954641342},{"text":"Yep.","start":2680.085,"end":2680.325,"sentiment":"neutral","sentiment_score":0.03935417160391808},{"text":"That's okay.","start":2680.325,"end":2681.065,"sentiment":"neutral","sentiment_score":0.10450885817408562},{"text":"Excellent.","start":2683.28,"end":2683.5999,"sentiment":"positive","sentiment_score":0.5361632108688354}],"sentiment":"neutral","sentiment_score":0.07069399758157405,"num_words":11,"start":2667.73,"end":2683.5999},{"sentences":[{"text":"Thank you for that.","start":2683.5999,"end":2684.48,"sentiment":"positive","sentiment_score":0.618578314781189},{"text":"Now you have still scored in that high growth environment.","start":2684.48,"end":2687.2,"sentiment":"neutral","sentiment_score":0.3318814843893051},{"text":"And as I kinda may have mentioned, you've got more than ten years before you're wanting to access your super.","start":2687.2,"end":2691.6199,"sentiment":"neutral","sentiment_score":0.07063713502138853},{"text":"That high growth environment does suit someone who's got about eight years.","start":2691.76,"end":2695.215,"sentiment":"neutral","sentiment_score":0.1094910204410553},{"text":"Essentially, you are looking to try and obtain, you know, around about and this is just a risk profile return.","start":2696.175,"end":2702.735,"sentiment":"neutral","sentiment_score":-0.03309090659022331}],"sentiment":"neutral","sentiment_score":0.11905977146869356,"num_words":66,"start":2683.5999,"end":2702.735},{"sentences":[{"text":"We obviously wanna get the best we can out of our super, but, you know, compounding about a eight to 10% on a yearly basis can get you a really good position at high growth environment, and we do expect a negative a negative year around about one in every five years as an expectation.","start":2702.735,"end":2718.0898,"sentiment":"neutral","sentiment_score":-0.05958592966198921},{"text":"Do you still feel fairly comfortable within that sort of environment?","start":2718.31,"end":2721.53,"sentiment":"neutral","sentiment_score":-0.01646676320921291},{"text":"Yeah.","start":2723.685,"end":2723.925,"sentiment":"neutral","sentiment_score":0.11153849959373474},{"text":"Beautiful.","start":2723.925,"end":2724.425,"sentiment":"neutral","sentiment_score":0.2790551781654358},{"text":"Do you have any questions about any of that at all, so far, Jay, for me?","start":2724.485,"end":2728.5051,"sentiment":"neutral","sentiment_score":0.1152173806913197}],"sentiment":"neutral","sentiment_score":-0.014574866165362653,"num_words":84,"start":2702.735,"end":2728.5051},{"sentences":[{"text":"No?","start":2730.645,"end":2731.125,"sentiment":"neutral","sentiment_score":-0.04739348590373993},{"text":"That's okay.","start":2731.125,"end":2732.0251,"sentiment":"neutral","sentiment_score":-0.045151944272220135},{"text":"Beautiful.","start":2733.125,"end":2733.625,"sentiment":"neutral","sentiment_score":0.15869373083114624},{"text":"So just kind of looking at that last document, what I'd sort of like to do is maybe look at replacing the Bannalong.","start":2733.925,"end":2739.19,"sentiment":"neutral","sentiment_score":0.0249489132395905},{"text":"I can also see a couple of other investments in there that could definitely have a bit of an update, you know, within your portfolio that the India investment hasn't really held strong this year.","start":2739.89,"end":2749.41,"sentiment":"neutral","sentiment_score":-0.014880109365497317}],"sentiment":"neutral","sentiment_score":0.0011938311790506686,"num_words":62,"start":2730.645,"end":2749.41},{"sentences":[{"text":"It's showing a little bit down, and the government is phasing out some of those bank hybrids down the track as well.","start":2749.41,"end":2755.645,"sentiment":"neutral","sentiment_score":-0.20953194187446075},{"text":"So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming investments.","start":2755.645,"end":2769.16,"sentiment":"neutral","sentiment_score":0.15164854394441302},{"text":"Does that make sense?","start":2769.8599,"end":2770.74,"sentiment":"neutral","sentiment_score":0.10890827141702175},{"text":"Are you comfortable with that?","start":2770.74,"end":2771.94,"sentiment":"neutral","sentiment_score":0.07703361958265305},{"text":"Do you have any questions at all?","start":2771.94,"end":2774.04,"sentiment":"neutral","sentiment_score":0.009437178394624166}],"sentiment":"neutral","sentiment_score":0.03597188591048485,"num_words":82,"start":2749.41,"end":2774.04},{"sentences":[{"text":"That's okay.","start":2776.5,"end":2777.3198,"sentiment":"neutral","sentiment_score":0.32897984981536865},{"text":"Yeah.","start":2778.98,"end":2779.38,"sentiment":"neutral","sentiment_score":0.30348533391952515},{"text":"Beautiful.","start":2779.38,"end":2779.88,"sentiment":"positive","sentiment_score":0.6628894805908203},{"text":"Fantastic.","start":2780.0999,"end":2780.5999,"sentiment":"positive","sentiment_score":0.6599688529968262},{"text":"The next login along in that pack, if you continue to scroll for me, is the Ascendant Certificate of Currency, and that just outlines a bit more detail around your insurance policy through a sender who was MLC and a bit more detail there.","start":2781.7148,"end":2795.1702,"sentiment":"neutral","sentiment_score":0.14137245833196424}],"sentiment":"neutral","sentiment_score":0.17356513334172113,"num_words":49,"start":2776.5,"end":2795.1702},{"sentences":[{"text":"So we'll get that form done to review your loadings for you.","start":2795.1702,"end":2798.9302,"sentiment":"neutral","sentiment_score":0.11144695865611236},{"text":"Okay?","start":2798.9302,"end":2799.4302,"sentiment":"neutral","sentiment_score":0.058191243559122086},{"text":"Excellent.","start":2800.53,"end":2801.03,"sentiment":"positive","sentiment_score":0.42916882038116455},{"text":"The next document along is the financial services guide for Oakview Financial, and I've given you a couple of these now.","start":2801.09,"end":2807.415,"sentiment":"neutral","sentiment_score":0.1500341629698163},{"text":"This outlines everything about who we are, what we do, and how we do it, and, obviously, the fee structure and everything moving forward there for you.","start":2807.415,"end":2815.2551,"sentiment":"neutral","sentiment_score":0.13493000302049848}],"sentiment":"neutral","sentiment_score":0.13900888825376187,"num_words":62,"start":2795.1702,"end":2815.2551},{"sentences":[{"text":"Okay?","start":2815.2551,"end":2815.7551,"sentiment":"neutral","sentiment_score":0.06337523460388184},{"text":"Excellent.","start":2817.655,"end":2818.155,"sentiment":"neutral","sentiment_score":0.2952389121055603},{"text":"And the last document attached is the ongoing service agreement for our services.","start":2818.215,"end":2822.475,"sentiment":"neutral","sentiment_score":0.1094208497267503},{"text":"Obviously, to be a client and have us provide financial advice and work towards your goals, you do pay us an ongoing service fee.","start":2822.97,"end":2830.19,"sentiment":"neutral","sentiment_score":0.10862753819674253},{"text":"It is 1.65% per annum.","start":2830.25,"end":2832.67,"sentiment":"neutral","sentiment_score":0.05734311938285828}],"sentiment":"neutral","sentiment_score":0.10624685697257519,"num_words":44,"start":2815.2551,"end":2832.67},{"sentences":[{"text":"Moving forward, we will have more of a tiered structure.","start":2832.81,"end":2835.13,"sentiment":"neutral","sentiment_score":0.060798927396535876},{"text":"So once your balance gets over that $200,000 mark, we will start to reduce the percentage down.","start":2835.13,"end":2841.665,"sentiment":"neutral","sentiment_score":0.0626272320309106},{"text":"So moving forward, essentially, once your super balance hits that 200,000, you move into the next tier down, which means your balance over 200,000 drops into the tier of one 0.1375.","start":2841.665,"end":2856.04,"sentiment":"neutral","sentiment_score":0.0738090435343404},{"text":"And then once your balance is 500,000, you drop into the next tier and so on.","start":2856.1,"end":2860.82,"sentiment":"neutral","sentiment_score":0.05924212886020541},{"text":"So each tier will have a lower percentage of fee.","start":2860.82,"end":2863.96,"sentiment":"neutral","sentiment_score":0.096761105209589}],"sentiment":"neutral","sentiment_score":0.06995497240374486,"num_words":84,"start":2832.81,"end":2863.96},{"sentences":[{"text":"The idea is we wanna keep things working harder and grow, but we still also have to charge for our services as a professional advice service there.","start":2864.02,"end":2873.2751,"sentiment":"neutral","sentiment_score":0.1218612822359083},{"text":"The the ongoing service fee currently because your balance is under that 200,000, it is set at that 1.65%.","start":2873.2751,"end":2880.415,"sentiment":"neutral","sentiment_score":0.03181850635691693},{"text":"You've just got on the fee agreement here, the expectation of how much we will see for our services this year is $3,213.64 there.","start":2881.2751,"end":2890.98,"sentiment":"neutral","sentiment_score":0.11685921701913078},{"text":"That's showing you what the expectation is for the ongoing service fee.","start":2891.04,"end":2894.42,"sentiment":"neutral","sentiment_score":0.1474361252039671},{"text":"I wanna make sure your super is working as hard as possible there.","start":2894.6401,"end":2897.985,"sentiment":"neutral","sentiment_score":0.3194096271808331}],"sentiment":"neutral","sentiment_score":0.13285248532008967,"num_words":95,"start":2864.02,"end":2897.985},{"sentences":[{"text":"And in order for us to provide our services and look after everything for you, we do have to get this signed and returned.","start":2898.225,"end":2903.745,"sentiment":"neutral","sentiment_score":0.2125984070201715},{"text":"So I know there was a bit of concern around the ongoing service fees.","start":2903.745,"end":2907.445,"sentiment":"neutral","sentiment_score":-0.1411267008100237},{"text":"Obviously, I wanna make sure that your super is making our fees plus additional growth on top of that.","start":2907.665,"end":2913.11,"sentiment":"neutral","sentiment_score":0.10107669704838802},{"text":"We understand that, obviously, it could be years where that doesn't happen because of how markets react over time.","start":2913.11,"end":2918.81,"sentiment":"neutral","sentiment_score":-0.08813625142762535},{"text":"But if you're making enough over, you know, the longer term and seeing your balance increase, it does make the services worthwhile for you.","start":2918.87,"end":2926.635,"sentiment":"positive","sentiment_score":0.4707388201107581}],"sentiment":"neutral","sentiment_score":0.1467018810659647,"num_words":100,"start":2898.225,"end":2926.635},{"sentences":[{"text":"Do you have any questions about that?","start":2926.875,"end":2928.715,"sentiment":"neutral","sentiment_score":0.1895089170762471},{"text":"Does that make sense to you?","start":2928.715,"end":2930.075,"sentiment":"neutral","sentiment_score":0.23285952707131705},{"text":"Is there anything you kind of wanted to ask 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comfortable with, and we can just keep reviewing things moving forward for you.","start":2974.26,"end":2991.735,"sentiment":"neutral","sentiment_score":0.07967039022106127},{"text":"How does that sound?","start":2991.735,"end":2992.71,"sentiment":"neutral","sentiment_score":0.14347702264785767},{"text":"Yep.","start":2994.63,"end":2995.13,"sentiment":"neutral","sentiment_score":0.303041934967041},{"text":"That's okay.","start":2995.3499,"end":2996.15,"sentiment":"positive","sentiment_score":0.3575894236564636},{"text":"Not a problem at all.","start":2996.15,"end":2997.43,"sentiment":"positive","sentiment_score":0.3775241255760193}],"sentiment":"neutral","sentiment_score":0.11424168909912648,"num_words":73,"start":2974.26,"end":2997.43},{"sentences":[{"text":"That is essentially all the documents in there, so you're welcome to take them back and have a good review of the documents.","start":2997.43,"end":3002.49,"sentiment":"positive","sentiment_score":0.38594493788221607},{"text":"Once you're comfortable with doing so, I'll get you to sign and return those back just so I can move forward and provide the advice for you.","start":3002.63,"end":3009.365,"sentiment":"positive","sentiment_score":0.39329856799708474},{"text":"I just needed to update a couple of additional things for you here as well.","start":3009.985,"end":3014.325,"sentiment":"neutral","sentiment_score":0.11294369598229727},{"text":"So when I'm looking at the advice, because you are working casually, and we're not really sure of what kind of contributions are expected in the fund over the next sort of couple of months, I'd like to update the advice and maybe consider no additional super contributions going in.","start":3014.385,"end":3031.755,"sentiment":"neutral","sentiment_score":-0.0811121023632586},{"text":"That way, we can sort of look at what, you know, the expectation is around the growth need and that sort of thing with the portfolio and how that looks as a whole minus contributions.","start":3032.075,"end":3041.615,"sentiment":"neutral","sentiment_score":0.01330841641340937}],"sentiment":"neutral","sentiment_score":0.11733426535502076,"num_words":150,"start":2997.43,"end":3041.615},{"sentences":[{"text":"Are you comfortable with that?","start":3042.4749,"end":3044.095,"sentiment":"neutral","sentiment_score":0.00936788022518158},{"text":"Is there any, you know, set amount you'd be comfortable putting in the super?","start":3044.2349,"end":3048.9402,"sentiment":"neutral","sentiment_score":0.02283388256494488},{"text":"What's your thoughts around that?","start":3048.9402,"end":3050.56,"sentiment":"neutral","sentiment_score":-0.0009201060980558392},{"text":"Yeah.","start":3060.645,"end":3061.145,"sentiment":"neutral","sentiment_score":0.008109440095722675},{"text":"Yeah.","start":3062.405,"end":3062.885,"sentiment":"neutral","sentiment_score":0.02019384317100048}],"sentiment":"neutral","sentiment_score":0.015008327300445391,"num_words":26,"start":3042.4749,"end":3062.885},{"sentences":[{"text":"Because we normally have projected projected outcomes, we normally account for your ongoing employer contributions.","start":3062.885,"end":3069.5452,"sentiment":"neutral","sentiment_score":0.0030739119897286097},{"text":"But because you're working very casually at the moment and there's no real set contributions going in, it does make it hard to kind of predict what those are going to be moving forward.","start":3069.685,"end":3079.0,"sentiment":"neutral","sentiment_score":-0.09221175608827788},{"text":"So I sort of wanted to look at maybe not accounting for any contributions, but look at the projected out the projection table based on your current portfolio plus what we're recommending with no contributions going in.","start":3079.62,"end":3092.885,"sentiment":"neutral","sentiment_score":0.002369622322353157},{"text":"Alternatively, if you wanted to maybe look at making some contributions out of your savings, I could, you know, recommend, you know, 20 a week or 50 a fortnight or a month.","start":3093.425,"end":3103.8599,"sentiment":"neutral","sentiment_score":0.07091302156914026},{"text":"Is there anything what would what do you think about that?","start":3103.8599,"end":3106.92,"sentiment":"neutral","sentiment_score":-0.017849370413883167}],"sentiment":"neutral","sentiment_score":-0.007197995236966499,"num_words":129,"start":3062.885,"end":3106.92},{"sentences":[{"text":"Yep.","start":3114.8198,"end":3115.275,"sentiment":"neutral","sentiment_score":-0.021687781438231468},{"text":"Yeah.","start":3120.395,"end":3120.895,"sentiment":"neutral","sentiment_score":0.014638019725680351},{"text":"Yep.","start":3123.755,"end":3124.255,"sentiment":"neutral","sentiment_score":0.0779343992471695},{"text":"Yep.","start":3130.395,"end":3130.8,"sentiment":"neutral","sentiment_score":0.038876622915267944},{"text":"Absolutely.","start":3133.28,"end":3133.78,"sentiment":"neutral","sentiment_score":0.17718800902366638}],"sentiment":"neutral","sentiment_score":0.05738985389471054,"num_words":5,"start":3114.8198,"end":3133.78},{"sentences":[{"text":"Yeah.","start":3134.24,"end":3134.56,"sentiment":"neutral","sentiment_score":0.21088692545890808},{"text":"Definitely.","start":3134.56,"end":3135.06,"sentiment":"neutral","sentiment_score":0.26750820875167847},{"text":"And if if you do have yeah.","start":3135.2,"end":3137.28,"sentiment":"neutral","sentiment_score":0.09714929386973381},{"text":"Of course.","start":3137.28,"end":3137.84,"sentiment":"neutral","sentiment_score":0.16817912459373474},{"text":"And if if you do find that you are starting to get contributions in or taking on more regular work, if you could just let me know prior to the next call, that'd be fabulous, and I can always just go back and update that for you.","start":3137.84,"end":3148.565,"sentiment":"positive","sentiment_score":0.3373472532059284}],"sentiment":"neutral","sentiment_score":0.2991399886407729,"num_words":58,"start":3134.24,"end":3148.565},{"sentences":[{"text":"It's not a problem at 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have it doesn't say what cars they are.","start":3161.86,"end":3164.36,"sentiment":"neutral","sentiment_score":-0.08355895057320595},{"text":"But your car, one of them was valued at 10,000 last year.","start":3164.74,"end":3168.34,"sentiment":"neutral","sentiment_score":-0.06036558902511994},{"text":"With your vehicles, which one would you value at 10,000, and what kind of car is it?","start":3168.34,"end":3172.935,"sentiment":"neutral","sentiment_score":-0.04196102522751864}],"sentiment":"neutral","sentiment_score":-0.04969344182132647,"num_words":58,"start":3156.005,"end":3172.935},{"sentences":[{"text":"Yep.","start":3177.095,"end":3177.595,"sentiment":"neutral","sentiment_score":-0.14671871066093445},{"text":"Let's get rid of that.","start":3179.895,"end":3180.935,"sentiment":"neutral","sentiment_score":-0.08502087891101837},{"text":"That's absolutely 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outright?","start":3199.5999,"end":3202.5,"sentiment":"neutral","sentiment_score":0.009227544169074722}],"sentiment":"neutral","sentiment_score":0.03639061777438554,"num_words":18,"start":3188.375,"end":3202.5},{"sentences":[{"text":"Okay.","start":3205.925,"end":3206.3252,"sentiment":"neutral","sentiment_score":0.01152818277478218},{"text":"I think that's the one we had last year.","start":3206.3252,"end":3208.0852,"sentiment":"neutral","sentiment_score":0.0000872586646841632},{"text":"We had about 19,000 owing on it.","start":3208.0852,"end":3210.245,"sentiment":"neutral","sentiment_score":-0.01695906264441354},{"text":"How much do you owe on the car 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week.","start":3242.355,"end":3243.555,"sentiment":"neutral","sentiment_score":0.05751520146926244}],"sentiment":"neutral","sentiment_score":0.06582821495831012,"num_words":35,"start":3227.94,"end":3243.555},{"sentences":[{"text":"Beautiful.","start":3243.555,"end":3244.055,"sentiment":"positive","sentiment_score":0.5576267838478088},{"text":"And is there any other assets or liabilities or anything else you would not wanna note down on here?","start":3245.21,"end":3250.5098,"sentiment":"neutral","sentiment_score":0.06083338668471888},{"text":"Yep.","start":3261.305,"end":3261.805,"sentiment":"neutral","sentiment_score":0.01731395535171032},{"text":"Yep.","start":3275.24,"end":3275.5598,"sentiment":"neutral","sentiment_score":0.025144662708044052},{"text":"That's okay.","start":3275.5598,"end":3276.28,"sentiment":"neutral","sentiment_score":0.04764046333730221}],"sentiment":"neutral","sentiment_score":0.07713336148299277,"num_words":24,"start":3243.555,"end":3276.28},{"sentences":[{"text":"How much are you paying at the moment?","start":3276.28,"end":3277.48,"sentiment":"neutral","sentiment_score":-0.003048270125873387},{"text":"I'm so sorry, Jay.","start":3277.48,"end":3278.28,"sentiment":"neutral","sentiment_score":-0.10378512553870678},{"text":"The phone just cut out a little bit.","start":3278.28,"end":3279.64,"sentiment":"neutral","sentiment_score":-0.14763926900923252},{"text":"How much are you paying per month at the 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fantastic.","start":3297.965,"end":3298.625,"sentiment":"positive","sentiment_score":0.6604737341403961},{"text":"It's fantastic.","start":3298.71,"end":3300.33,"sentiment":"positive","sentiment_score":0.39259932935237885},{"text":"Excellent.","start":3300.95,"end":3301.45,"sentiment":"positive","sentiment_score":0.4145430326461792},{"text":"And I've just also got down here that we don't have you haven't had a will or power of attorney drawn up with a solicitor.","start":3301.83,"end":3307.29,"sentiment":"neutral","sentiment_score":-0.026107503324747084},{"text":"Have you thought more about doing that since our last conversation, speaking to a solicitor, having a will, power of attorney, and things drawn 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happened to you, that everything you've worked hard for, I know it doesn't feel like a lot, but when you think about your savings account, your cars, any family heirlooms, or things that you own that you might want directed to a certain person, having your will drawn up can do that for you.","start":3323.245,"end":3339.6802,"sentiment":"neutral","sentiment_score":0.23751466769364574},{"text":"There are also state trustees that can drop wills online or over the phone just as easily.","start":3340.1401,"end":3346.555,"sentiment":"neutral","sentiment_score":0.1357780379407546},{"text":"I can find out the information in regards to your state if you like and email that through to you just as a bit of a general email.","start":3346.555,"end":3352.9548,"sentiment":"neutral","sentiment_score":0.1257753444037267},{"text":"Would you like that information?","start":3352.9548,"end":3354.255,"sentiment":"neutral","sentiment_score":0.06078335642814636},{"text":"No.","start":3357.18,"end":3357.42,"sentiment":"neutral","sentiment_score":-0.3327960968017578}],"sentiment":"neutral","sentiment_score":0.18165456965170076,"num_words":113,"start":3323.245,"end":3357.42},{"sentences":[{"text":"That's okay.","start":3357.42,"end":3358.48,"sentiment":"neutral","sentiment_score":-0.1653350219130516},{"text":"Yep.","start":3363.0999,"end":3363.5999,"sentiment":"neutral","sentiment_score":0.2843351364135742},{"text":"Absolutely.","start":3369.405,"end":3369.905,"sentiment":"positive","sentiment_score":0.43592825531959534},{"text":"And I've got your beneficiary nominations on your super and your life insurance.","start":3370.5251,"end":3374.705,"sentiment":"neutral","sentiment_score":0.276181535078929},{"text":"So 50% paid to Dylan and Toby in the event that anything happens to split to both your children.","start":3374.7651,"end":3381.085,"sentiment":"neutral","sentiment_score":0.251865397158422}],"sentiment":"neutral","sentiment_score":0.24348321805397669,"num_words":36,"start":3357.42,"end":3381.085},{"sentences":[{"text":"Is that still how you want that set up?","start":3381.085,"end":3383.345,"sentiment":"neutral","sentiment_score":0.18965056207444933},{"text":"Yep.","start":3385.9001,"end":3386.3,"sentiment":"neutral","sentiment_score":0.11919623613357544},{"text":"Yep.","start":3386.3,"end":3386.7,"sentiment":"neutral","sentiment_score":0.18564754724502563},{"text":"Absolutely.","start":3386.7,"end":3387.2,"sentiment":"positive","sentiment_score":0.49819061160087585},{"text":"Perfect.","start":3387.6602,"end":3388.1602,"sentiment":"positive","sentiment_score":0.6027686595916748}],"sentiment":"neutral","sentiment_score":0.239435239480092,"num_words":13,"start":3381.085,"end":3388.1602},{"sentences":[{"text":"Well, that's basically everything there.","start":3388.9402,"end":3390.9402,"sentiment":"positive","sentiment_score":0.43372730612754823},{"text":"Thank you so much for your time.","start":3390.9402,"end":3392.56,"sentiment":"positive","sentiment_score":0.7573840873582023},{"text":"The only other thing I sorta wanted to touch base on, I'm looking at, you know, your retirement age at age 65 currently.","start":3392.62,"end":3398.56,"sentiment":"neutral","sentiment_score":0.07565365877488385},{"text":"From everything we've discussed, we'll go back and review the super, remove any underperforming investors, and look at updating things, reducing fees within the portfolio a bit, look at no additional contributions into the fund, and look at what that can do moving forward to assist you.","start":3399.325,"end":3413.905,"sentiment":"neutral","sentiment_score":0.18182615880319414},{"text":"You're happy with your life and TPD, not wanting to look at any additional insurances at the moment.","start":3415.1301,"end":3420.51,"sentiment":"neutral","sentiment_score":0.27633031664623153}],"sentiment":"neutral","sentiment_score":0.22730134457349777,"num_words":100,"start":3388.9402,"end":3420.51},{"sentences":[{"text":"Is there any other goals in the short term or medium term that you wanted me to sort of note down for you?","start":3421.2102,"end":3426.81,"sentiment":"neutral","sentiment_score":0.11173113014387048},{"text":"Or no?","start":3426.81,"end":3430.7551,"sentiment":"neutral","sentiment_score":-0.14244593121111393},{"text":"No.","start":3432.975,"end":3433.375,"sentiment":"neutral","sentiment_score":-0.1839955747127533},{"text":"That's okay.","start":3433.375,"end":3434.175,"sentiment":"neutral","sentiment_score":-0.08966304175555706},{"text":"I've I've put down here that you are continuing to study and in the medium term looking to, you know, possibly have a career change.","start":3434.175,"end":3442.2551,"sentiment":"neutral","sentiment_score":0.02723371036350727}],"sentiment":"neutral","sentiment_score":0.04910274022170957,"num_words":53,"start":3421.2102,"end":3442.2551},{"sentences":[{"text":"Obviously, we can't provide advice around that currently, but is that something that yeah.","start":3442.2551,"end":3447.09,"sentiment":"neutral","sentiment_score":0.0015608925106269972},{"text":"That's sort of still a medium term goal there for you?","start":3447.09,"end":3449.75,"sentiment":"neutral","sentiment_score":0.037820723077112976},{"text":"Yeah.","start":3450.3699,"end":3450.8699,"sentiment":"neutral","sentiment_score":0.0871639996767044},{"text":"Beautiful.","start":3451.17,"end":3451.67,"sentiment":"positive","sentiment_score":0.591007649898529},{"text":"Excellent.","start":3452.29,"end":3452.79,"sentiment":"positive","sentiment_score":0.6460983753204346}],"sentiment":"neutral","sentiment_score":0.06293394549616746,"num_words":28,"start":3442.2551,"end":3452.79},{"sentences":[{"text":"Lovely.","start":3453.57,"end":3453.97,"sentiment":"positive","sentiment_score":0.6224944591522217},{"text":"Is there anything else that you might sorta have down that you might wanna know as a goal?","start":3453.97,"end":3458.05,"sentiment":"neutral","sentiment_score":0.19465219560596678},{"text":"Doesn't have to be financial.","start":3458.05,"end":3459.41,"sentiment":"neutral","sentiment_score":0.030517838522791864},{"text":"It can be anything at all.","start":3459.41,"end":3460.895,"sentiment":"neutral","sentiment_score":0.06154989326993624},{"text":"No.","start":3465.115,"end":3465.615,"sentiment":"neutral","sentiment_score":-0.0232476145029068}],"sentiment":"neutral","sentiment_score":0.14918951347710624,"num_words":31,"start":3453.57,"end":3465.615},{"sentences":[{"text":"That's okay.","start":3466.075,"end":3466.895,"sentiment":"neutral","sentiment_score":0.07983478158712387},{"text":"Yep.","start":3468.075,"end":3468.555,"sentiment":"neutral","sentiment_score":0.09683986753225328},{"text":"Absolutely.","start":3468.555,"end":3469.055,"sentiment":"neutral","sentiment_score":0.29826873540878296},{"text":"Beautiful.","start":3470.315,"end":3470.815,"sentiment":"positive","sentiment_score":0.4933408498764038},{"text":"Not a problem.","start":3470.875,"end":3471.5151,"sentiment":"neutral","sentiment_score":0.2669837276140849}],"sentiment":"neutral","sentiment_score":0.2311337748542428,"num_words":8,"start":3466.075,"end":3471.5151},{"sentences":[{"text":"And in the short term, we'll get that form done up for the insurer for a sender there to see if we can have that loading re reviewed for you as well.","start":3471.5151,"end":3480.35,"sentiment":"neutral","sentiment_score":0.17178671760484576},{"text":"Okay?","start":3480.4102,"end":3480.9102,"sentiment":"neutral","sentiment_score":0.1323815882205963},{"text":"No problem at all.","start":3483.1301,"end":3484.25,"sentiment":"positive","sentiment_score":0.33824635297060013},{"text":"Thank you so much for your time this morning, Jay.","start":3484.25,"end":3486.49,"sentiment":"positive","sentiment_score":0.6391581356525421},{"text":"I really appreciate it.","start":3486.49,"end":3487.6902,"sentiment":"positive","sentiment_score":0.6843830347061157}],"sentiment":"neutral","sentiment_score":0.3159148129178028,"num_words":51,"start":3471.5151,"end":3487.6902},{"sentences":[{"text":"I want to bring your annual review forward, really look at things for you and update the advice.","start":3487.6902,"end":3492.2239,"sentiment":"positive","sentiment_score":0.41649820738368565},{"text":"I know you you have had some concerns over the past, so I wanna make sure that we're supporting you and alleviating those where possible.","start":3492.2239,"end":3498.896,"sentiment":"neutral","sentiment_score":0.12995767682790757},{"text":"I will book you in now to go through that advice document in a couple of weeks there.","start":3498.896,"end":3503.7,"sentiment":"neutral","sentiment_score":0.1475087371137407},{"text":"Do you know sort of what the calendar might look like?","start":3504.3398,"end":3507.38,"sentiment":"neutral","sentiment_score":0.04921986839988015},{"text":"Are you happy with me rebooking that time now for you in a few weeks?","start":3507.38,"end":3511.64,"sentiment":"neutral","sentiment_score":0.06922080541650454}],"sentiment":"neutral","sentiment_score":0.17219307534824843,"num_words":87,"start":3487.6902,"end":3511.64},{"sentences":[{"text":"Yep.","start":3513.8599,"end":3514.3599,"sentiment":"neutral","sentiment_score":0.04756719619035721},{"text":"Yeah.","start":3518.4248,"end":3518.6648,"sentiment":"neutral","sentiment_score":0.051791440695524216},{"text":"Absolutely.","start":3518.6648,"end":3519.1648,"sentiment":"neutral","sentiment_score":0.06076228246092796},{"text":"So now I am taking a little bit of a break.","start":3519.625,"end":3521.7048,"sentiment":"neutral","sentiment_score":-0.000863364813002673},{"text":"I'm so sorry.","start":3521.7048,"end":3522.505,"sentiment":"neutral","sentiment_score":-0.07267786065737407}],"sentiment":"neutral","sentiment_score":-0.003965275033431893,"num_words":17,"start":3513.8599,"end":3522.505},{"sentences":[{"text":"I'm taking my son away in the next two weeks, but I will be back early so the last week of September, early October.","start":3522.505,"end":3530.285,"sentiment":"neutral","sentiment_score":-0.022392212219225865},{"text":"Just looking at the time frame to do the research for you.","start":3530.85,"end":3534.1501,"sentiment":"neutral","sentiment_score":0.03800838332002362},{"text":"I could book you in on Wednesday, October 7.","start":3534.6902,"end":3538.1304,"sentiment":"neutral","sentiment_score":0.03559498613079389},{"text":"Would that be okay that we do the same time, 08:00 in the morning to go through the advice?","start":3538.1301,"end":3543.03,"sentiment":"neutral","sentiment_score":0.041102082321518345},{"text":"Fantastic.","start":3545.7148,"end":3546.2148,"sentiment":"neutral","sentiment_score":0.20931124687194824}],"sentiment":"neutral","sentiment_score":0.018912202965181608,"num_words":65,"start":3522.505,"end":3546.2148},{"sentences":[{"text":"I'll add a little text message reminder there for your day.","start":3546.595,"end":3549.4749,"sentiment":"neutral","sentiment_score":0.18860409476540305},{"text":"So it does remind you on the or the day before that, I'll be giving you a call.","start":3549.4749,"end":3553.335,"sentiment":"neutral","sentiment_score":0.17046958166691992},{"text":"If anything does come up, please do let me know.","start":3553.7148,"end":3556.1301,"sentiment":"neutral","sentiment_score":0.07854864597320557},{"text":"Not a problem at all.","start":3556.1301,"end":3557.01,"sentiment":"neutral","sentiment_score":0.22643230259418487},{"text":"And in the meantime, I'll go and do that research and update the advice, and we'll go through things to reflect.","start":3557.01,"end":3562.1501,"sentiment":"neutral","sentiment_score":0.15777242148206347}],"sentiment":"neutral","sentiment_score":0.15959948209615854,"num_words":65,"start":3546.595,"end":3562.1501},{"sentences":[{"text":"Okay?","start":3562.37,"end":3562.87,"sentiment":"neutral","sentiment_score":0.06866319477558136},{"text":"Yep.","start":3572.0251,"end":3572.5251,"sentiment":"neutral","sentiment_score":0.047498270869255066},{"text":"So oh, okay.","start":3576.905,"end":3578.585,"sentiment":"neutral","sentiment_score":0.04352035497625669},{"text":"No.","start":3578.585,"end":3578.825,"sentiment":"neutral","sentiment_score":0.07249253243207932},{"text":"Not a problem.","start":3578.825,"end":3579.645,"sentiment":"neutral","sentiment_score":0.12174381564060847}],"sentiment":"neutral","sentiment_score":0.07604961221416791,"num_words":9,"start":3562.37,"end":3579.645},{"sentences":[{"text":"That'll actually be 10:10 thirty my time, which I do have an appointment already booked for.","start":3579.785,"end":3584.47,"sentiment":"neutral","sentiment_score":0.07071485091000795},{"text":"Could I maybe make it the no.","start":3584.47,"end":3586.47,"sentiment":"neutral","sentiment_score":0.017712462028222426},{"text":"That's okay.","start":3586.47,"end":3586.95,"sentiment":"neutral","sentiment_score":0.059182822704315186},{"text":"Could I maybe make it the the the Thursday morning instead?","start":3586.95,"end":3592.31,"sentiment":"neutral","sentiment_score":0.07258743013847958},{"text":"And I could happily do the the later time for you.","start":3592.31,"end":3595.21,"sentiment":"neutral","sentiment_score":0.1661747843027115}],"sentiment":"neutral","sentiment_score":0.08511010325573226,"num_words":47,"start":3579.785,"end":3595.21},{"sentences":[{"text":"Yep.","start":3598.775,"end":3599.275,"sentiment":"neutral","sentiment_score":0.04733685404062271},{"text":"That's okay.","start":3600.375,"end":3601.1948,"sentiment":"neutral","sentiment_score":0.09729940071702003},{"text":"And did you did you want 08:00 your time?","start":3601.655,"end":3604.2148,"sentiment":"neutral","sentiment_score":0.02281902213063505},{"text":"Or yep.","start":3604.2148,"end":3607.575,"sentiment":"neutral","sentiment_score":0.11308710929006338},{"text":"Beautiful.","start":3607.575,"end":3608.055,"sentiment":"positive","sentiment_score":0.4025538563728333}],"sentiment":"neutral","sentiment_score":0.07173566197355588,"num_words":15,"start":3598.775,"end":3608.055},{"sentences":[{"text":"That's 09:00 my time.","start":3608.055,"end":3609.335,"sentiment":"neutral","sentiment_score":0.16958049684762955},{"text":"So I'll pop that in there for you.","start":3609.335,"end":3611.1948,"sentiment":"neutral","sentiment_score":0.17913836427032948},{"text":"Sorry about that.","start":3611.3901,"end":3611.87,"sentiment":"neutral","sentiment_score":-0.08668903137246768},{"text":"Daylight savings will have started at that time, so we're back to it.","start":3611.87,"end":3616.05,"sentiment":"neutral","sentiment_score":-0.023361343174026564},{"text":"Beautiful.","start":3617.55,"end":3618.03,"sentiment":"positive","sentiment_score":0.6079197525978088}],"sentiment":"neutral","sentiment_score":0.07433048616452463,"num_words":29,"start":3608.055,"end":3618.03},{"sentences":[{"text":"I've booked that one in for you.","start":3618.03,"end":3619.31,"sentiment":"positive","sentiment_score":0.46265506744384766},{"text":"I'll send a text message reminder so it'll let you know that I'm calling.","start":3619.31,"end":3622.35,"sentiment":"neutral","sentiment_score":0.32333347627094816},{"text":"If anything does come up, you're welcome to let me know.","start":3622.35,"end":3625.07,"sentiment":"neutral","sentiment_score":0.23525084961544385},{"text":"Okay?","start":3625.07,"end":3625.57,"sentiment":"neutral","sentiment_score":0.18923674523830417},{"text":"My pleasure.","start":3628.1848,"end":3628.825,"sentiment":"positive","sentiment_score":0.6218499541282654}],"sentiment":"positive","sentiment_score":0.3367414325475693,"num_words":35,"start":3618.03,"end":3628.825},{"sentences":[{"text":"Thank you so much, Jay.","start":3628.825,"end":3629.865,"sentiment":"positive","sentiment_score":0.6689692497253418},{"text":"I'll just get you to review those documents in there, and then when you're comfortable to get you to sign and return the annual review documents back to me.","start":3629.865,"end":3635.785,"sentiment":"positive","sentiment_score":0.4358885617091738},{"text":"I really appreciate your time today.","start":3635.785,"end":3637.6448,"sentiment":"positive","sentiment_score":0.5900700787703196},{"text":"Easy.","start":3640.1848,"end":3640.6848,"sentiment":"positive","sentiment_score":0.4325218200683594},{"text":"Thank you so much, Jay.","start":3644.28,"end":3645.64,"sentiment":"positive","sentiment_score":0.509419584274292}],"sentiment":"positive","sentiment_score":0.48925336417944537,"num_words":46,"start":3628.825,"end":3645.64},{"sentences":[{"text":"I'll talk to you in a couple of weeks.","start":3645.64,"end":3647.16,"sentiment":"neutral","sentiment_score":0.27659611569510567},{"text":"Thank you so much.","start":3647.16,"end":3648.2998,"sentiment":"positive","sentiment_score":0.5012024641036987},{"text":"Thanks.","start":3649.48,"end":3649.98,"sentiment":"positive","sentiment_score":0.7564901113510132},{"text":"See you later.","start":3650.28,"end":3651.0798,"sentiment":"positive","sentiment_score":0.6109514435132345},{"text":"Bye.","start":3651.0798,"end":3651.5798,"sentiment":"neutral","sentiment_score":0.20745298266410828}],"sentiment":"positive","sentiment_score":0.4050540179014206,"num_words":18,"start":3645.64,"end":3651.5798}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good, Dana. Good. How are you? Yeah. No. That's fine. Yeah. Yeah. Could no. No problems. Yeah. I haven't been putting a lot into super, so I've been a bit mindful about, you know, what's coming out and what fees and charges and, you know, changes in the changes in the portfolio. Yeah. But but other than that, all good. Yep. Yeah. I I should be able to. I am in saying that we are having some work, so the power is being cut off here. And I I don't have Internet access, but I should still be able to access my emails and stuff on my phone. It's just the reception can be a little bit laggy. So I don't know. No. No. I've I'm just looking. I've yeah. It's a signature document, is it? Or Right. Okay. Yes. Of course. Yeah. Yeah. Jay Alcock, so it's the 2nd 975. And the address was it? Yeah. Yeah. 18 Story Street, North Whantheggie, Victoria 3 Double oh, yeah. 3995. Yeah. I'm just looking at that now. Yep. Yep. Okay. Right, Donna. Thank you. Yeah. Absolutely. Yeah. Yep. No. I mean, look so just looking at how much is paid there from from my I suppose that's yeah. I suppose that's one consideration, but I don't know if that drops it much. Maybe that's, yeah, just, yeah, worthwhile, I guess. I I haven't looked into it to, you know, to yeah. Yeah. Yeah. No. That's yeah. That makes sense. Yeah. I I'd still like some there, I guess. It just sort of gives insurance to to my children really, ultimately, I suppose. Yeah. Right. Yes. Okay. Yep. Yep. Yes. No. I can access it. Yeah. Yep. Okay. Yeah. No. That's that's still correct. Yeah. Yep. Yeah. Of course. Yep. Yeah. I'm not sure if it's there or broad, though, to be honest. Yeah. I think I was saying yeah. Of course. Yeah. Doctor Humayan, it is. But I haven't been to the doctors in about twelve months, I reckon. So, yeah, I I I haven't the doctor down this way, so I still go up to doctor Humayan. But, yeah. I can't I think yeah. We could just use KC Medical Center. I I think they have some stuff on file too. So what what what's the GP that it says there? Yes. Might be better off just using that one. The other one's too hard to get into, to be honest. And, yeah, as much as I know the doctor as well. It worked mainly, but yeah. Yeah. Yeah. Okay. Yep. Great. Okay. Yeah. Of course. Yep. Yeah. Well, I haven't. I I would spend a month overseas actually from late July till to August. And yeah. It was, yeah, family reunion in Canada. So yeah, catching up with some family back there. So so I haven't actually. I've just been going through some things in the last couple of days, last week. So, yeah, just yep. Changes with work there. Yeah. Well, it's a bit of both, Diana, to be honest. I'm sort of yeah. I've sort of stepped down a while ago now as a supervisor, so that's about fourteen months. And I've just been doing some casual work here and there. So I have looked into the support sort of work role still, but I am looking at other sort of areas and a bit of a career change as well, to be honest. So just sort of watch this space a little bit. And yeah. Yeah. Yeah. No. I think he could like that at the moment. What would be the benefit to changing that being sort of Yeah. Of course. Yep. Yep. I am. Yes. Yep. It's that's alright. Yeah. It's just sporadic at the moment. So yeah. Yep. I haven't actually worked since mid July, to be honest, with the month off. And then there were some changes with the Melbourne support services. So I've just been going through that, to be honest. And and I'm studying as well. I'm trying to do a cert three in IT just to so that's become a bit of a priority to yeah. Yeah. Uh-huh. Yeah. Look. I like it. It sort of gets me thinking about things differently and things that I would never really thought about before. So, yeah, that's nice. Nice. Potentially. Yeah. Potentially. I think everything's going that way a little bit. So curiosity and maybe, you know, I don't think it's gonna, yeah, leave me wanting in any field not having that not having that skill set. So yeah. So possibly. I'm just not sure, yeah, what I haven't really looked too much at what sort of data help desk, you know, IT help desk and data analysis work looks like. Yep. But yeah. See how that goes. Yeah. No. I I can agree with that for sure. Yes. That's right. Yeah. Yeah. Absolutely. Alright. Great. Well, it sort of fits self paced, but I think about twelve months. So I'm sort of, you know, I'm in the midst of the industry. So, yeah, we'll see how we go. And Yeah. Yeah. Yeah. Thanks, Dana. Yes. Mhmm. Yeah. No. That's exactly right. I'm just happy with the life and TPD and and maybe not that completely. I guess once we do that, more thorough review. But, yeah, I'm not interested in the income protections at all. Don't know yet. A little bit. Yeah. Yep. Yep. So I just yeah. Just trying to yeah. Be a bit tidy and mindful with my spending there. 15. Yeah. Yeah. Not not much, to be honest. Only a few thousand dollars. So, yeah, about 3,000. Yep. Yeah. Yes. It's all as a hub. Yeah. Maybe just leave it blank until I can sort of get out. This is from, you know, June 30 to June 30 you're talking or the yeah. That's right. Yeah. I'm I'm I'm not sure if we'll get to that to that amount, but it's possible for the financial year for sure. So Mhmm. And is there yeah. Is there possibilities of still good performance with this other investment that you're alluding to? Yeah. It doesn't really talk about the investment fees for that that Benelon thing. How how come it doesn't tell me the fees for that anyway? Yeah. So we need With fees of of, yeah, of those particular portfolios and yeah. Yeah. Yeah. Look. If it's not too much trouble, I guess it's sounds beneficial. Yeah. Okay. Yeah. Alright. Well, it sounds yeah. When you said just a keyword, you said there was it was a passive sort of life changing from the Benelung to a more passive sort of diversified managed fund, I guess, we'll call it. But what does does that, is it the same sort of growth sort of structure? I know that I was sort of in that aggressive growth. When you say passive, does it sort of is it become more of a passive and sort of and what what would you call it? Conservative sort of fund or something as well? Or oh, yeah. Yep. Yes. Yep. What? Yep. Yeah. Yes. Yeah. The meteor. Yeah. Mhmm. Yeah. No. No. It makes sense. I sort of yeah. I couldn't reiterate what you said, but I'm sort of following along. The only question I thought with the active as opposed to passive investments, is there more fees with active investments? I mean, if you're buying and selling on the markets and what's hot and what's not, isn't there fees for all these transactions too and they would add up or substantial? Yeah. Well, at least the investment fees are kind of significant, particularly at the moment with my contributions being lower. Maybe that's another way to look at mitigating, you know, the costs in there, which is insurance and fees, I guess. So, yeah, just a thought. I'd probably like to see the comparison. Like, you know, I don't know. I mean, isn't the market just warming up again? We've had a downturn and, you know, just Yeah. Look. It really is going to depend once you get into that that decade of the sixties, but probably 65. I mean, there's no fees accessing it then. And, yeah, I guess, yeah, that would be ideal, wouldn't it? I think there's a big fee saving accessing it up, you know, 65 or 67. So yeah. Yes. Yeah. I think so. Yep. Well, reducing fees as opposed to something else. I think it's still that high growth I'm interested in, but then I guess reducing fees and so forth. Yeah. I'm still interested in that high growth for a few more years anyway until until the capital seems, you know, a little bit more, you know, cautious for preservation. Yeah. I don't know. Yeah. Yep. Look. I mean, if I was much more savvy and spent an hour doing this a day, I would probably invest in organizations, not just the top 500 through that passive investment, but, you know, businesses that I valued or had a moral connection with ultimately, but I don't have that capacity. So I stay away from that moral compass with that. But, yeah, no. I'm happy just to I think the passive, you know, just to reiterate what you said, yeah, that passage sort of investment approach and looking at that top 500 businesses and and and and less sort of buying and selling and, yeah, a bit of a fee sort of a fee mitigation strategy or something. Yeah. Probably the highest amount of risk for the time being. Yeah. Yep. I think I was, yeah, certainly utilize. I view financial as a first thought. If I had, you know, as to within six months, a 30% drop or 20% or whatever. Yeah. I guess just to hear what's happening and yeah. Yes. Yeah. For sure. Yep. Yeah. Sorry. What was the first part of the question? Probably more optimistic. I know it's just Yeah. It's just emotions as you highlighted initially. So, yeah, it wouldn't bother me at all, to be honest. Yeah. Look. I've thought about them both. I'm sure I understood it more. But yeah. Yeah. I've certainly thought about it in the past. Yeah. Yep. I do. Yeah. Yep. No. I don't. I know. No. Nothing with those things. Well yeah. No. No. Thanks, Ben. It sounds like a good plan. Yeah. Yeah. Yep. Okay. Yep. Okay. Okay. Yeah. Okay. No. No. That was yeah. That makes sense. Yeah. I guess, you know, with the overview financial services and the fees there, that was another consideration last time we spoke just about, you know, whether it was appropriate and particularly now that I wasn't having that income that I I you know, that high income at that stage. So that will be something that I need to keep an eye on, of course, and we'll just, you know, that, you know, that you have to do. But it doesn't mean it doesn't mean I haven't recommended Oakview to others, though, to be honest as well. So yeah. So Yeah. Yep. Yeah. Sounds good, Dana. Thank you. Yeah. So you so that's just in the overview financial advice. So sort of in their spreadsheet or whatever. Yeah. Look, I think what you sort of intuitively alluded to at the start was probably the best bit to say no contributions. I am aware of putting money into super and, you know, in all aspects that it's, you know, really important to keep doing that. But, yeah, if that changes, and it and it may very well by the next time we speak. So, yeah, we can just update it then once yeah. Let me speak some more clear. Yeah. No worries. Thanks, Dana. Because that's all. I've only got one car, so that I I think that must be quite out of date there. Let me show that. Yeah. That's the Pajero or something. Yeah. I've got a Toyota Kluger two thousand 18 or 17. Yeah. It's probably probably valued at 20,000, let's say. No. I do have a little bit of a loan on that. Yeah. It's probably that amount because I know when I did the math on it, most of the insurance was well, interest I was paying in the first year or so. So I don't think it's gone down terribly much. Yeah. About 200 a week. Yeah. Yeah. The child support that I I pay sort of changes depending on how much I'm working as well. But so at the moment, it's only about $300 a month, but it has gone up to $1,200 a month to last year. So it does vary a bit. Yep. That's it. $300? No. That's alright. I don't know. My reception's a little call with you without the Internet backup. Yeah. Yes. Yeah. I haven't. No. I yeah. That's all. Yeah. Yeah. Yes. No. I would never use State Trustees, to be honest with you. But no. Look. It's just something I've gotta do. So good to, yeah, to give me a prod there, and I'll have a look at that again too. So good thoughts. Yep. Yeah. At this stage. Yeah. Yep. No. Nothing that jumps out financially with super particularly, but Yeah. Yeah. That that that's appropriate. Sure. It is. Yeah. Yeah. No. Not not really, Diana. But that's that's probably all, yeah, that I'm working with. Yep. Excellent. Thank you. Yeah. That's fine. We could stick sort of same time on the same day. It'd be fine. I'm sure. Yep. No. That'd be fine. Yeah. Thanks. Okay. Actually, Danny, you might want if we put the from the October 7, we'd probably put that back from 08:00 till 09:30 or nine or something. Just as I do, I will have the boys on that morning myself. Yeah. Oh, okay. Yeah. That'd be fine. Or anytime. The earliest time's fine too on the Thursday. Yeah. Yeah. Do 08:00 my time. That'd be great. Yeah. Willard Finance. Okay. Great. Thank you, Dana. Yeah. No. Likewise. Yeah. Have a good day and a good trip away with with your son. Okay. K. Bye, Donna. Thanks. See you later. Bye. 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Yeah. Good, Dana. Good. How are you?\n\nYeah. No. That's fine. Yeah. Yeah.\n\nCould no. No problems. Yeah. I haven't been putting a lot into super, so I've been a bit mindful about, you know, what's coming out and what fees and charges and, you know, changes in the changes in the portfolio. Yeah.\n\nBut but other than that, all good. Yep. Yeah. I I should be able to. I am in saying that we are having some work, so the power is being cut off here.\n\nAnd I I don't have Internet access, but I should still be able to access my emails and stuff on my phone. It's just the reception can be a little bit laggy. So I don't know. No. No.\n\nI've I'm just looking. I've yeah. It's a signature document, is it? Or Right. Okay.\n\nYes. Of course. Yeah. Yeah. Jay Alcock, so it's the 2nd 975.\n\nAnd the address was it? Yeah. Yeah. 18 Story Street, North Whantheggie, Victoria 3 Double oh, yeah. 3995.\n\nYeah. I'm just looking at that now. Yep. Yep. Okay.\n\nRight, Donna. Thank you. Yeah. Absolutely. Yeah.\n\nYep. No. I mean, look so just looking at how much is paid there from from my I suppose that's yeah. I suppose that's one consideration, but I don't know if that drops it much. Maybe that's, yeah, just, yeah, worthwhile, I guess.\n\nI I haven't looked into it to, you know, to yeah. Yeah. Yeah. No. That's yeah.\n\nThat makes sense. Yeah. I I'd still like some there, I guess. It just sort of gives insurance to to my children really, ultimately, I suppose. Yeah.\n\nRight. Yes. Okay. Yep. Yep.\n\nYes. No. I can access it. Yeah. Yep.\n\nOkay. Yeah. No. That's that's still correct. Yeah.\n\nYep. Yeah. Of course. Yep. Yeah.\n\nI'm not sure if it's there or broad, though, to be honest. Yeah. I think I was saying yeah. Of course. Yeah.\n\nDoctor Humayan, it is. But I haven't been to the doctors in about twelve months, I reckon. So, yeah, I I I haven't the doctor down this way, so I still go up to doctor Humayan. But, yeah. I can't I think yeah.\n\nWe could just use KC Medical Center. I I think they have some stuff on file too. So what what what's the GP that it says there? Yes. Might be better off just using that one.\n\nThe other one's too hard to get into, to be honest. And, yeah, as much as I know the doctor as well. It worked mainly, but yeah. Yeah. Yeah.\n\nOkay. Yep. Great. Okay. Yeah.\n\nOf course. Yep. Yeah. Well, I haven't. I I would spend a month overseas actually from late July till to August.\n\nAnd yeah. It was, yeah, family reunion in Canada. So yeah, catching up with some family back there. So so I haven't actually. I've just been going through some things in the last couple of days, last week.\n\nSo, yeah, just yep. Changes with work there. Yeah. Well, it's a bit of both, Diana, to be honest. I'm sort of yeah.\n\nI've sort of stepped down a while ago now as a supervisor, so that's about fourteen months. And I've just been doing some casual work here and there. So I have looked into the support sort of work role still, but I am looking at other sort of areas and a bit of a career change as well, to be honest. So just sort of watch this space a little bit. And yeah.\n\nYeah. Yeah. No. I think he could like that at the moment. What would be the benefit to changing that being sort of Yeah.\n\nOf course. Yep. Yep. I am. Yes.\n\nYep. It's that's alright. Yeah. It's just sporadic at the moment. So yeah.\n\nYep. I haven't actually worked since mid July, to be honest, with the month off. And then there were some changes with the Melbourne support services. So I've just been going through that, to be honest. And and I'm studying as well.\n\nI'm trying to do a cert three in IT just to so that's become a bit of a priority to yeah. Yeah. Uh-huh. Yeah. Look.\n\nI like it. It sort of gets me thinking about things differently and things that I would never really thought about before. So, yeah, that's nice. Nice. Potentially.\n\nYeah. Potentially. I think everything's going that way a little bit. So curiosity and maybe, you know, I don't think it's gonna, yeah, leave me wanting in any field not having that not having that skill set. So yeah.\n\nSo possibly. I'm just not sure, yeah, what I haven't really looked too much at what sort of data help desk, you know, IT help desk and data analysis work looks like. Yep. But yeah. See how that goes.\n\nYeah. No. I I can agree with that for sure. Yes. That's right.\n\nYeah. Yeah. Absolutely. Alright. Great.\n\nWell, it sort of fits self paced, but I think about twelve months. So I'm sort of, you know, I'm in the midst of the industry. So, yeah, we'll see how we go. And Yeah. Yeah.\n\nYeah. Thanks, Dana. Yes. Mhmm. Yeah.\n\nNo. That's exactly right. I'm just happy with the life and TPD and and maybe not that completely. I guess once we do that, more thorough review. But, yeah, I'm not interested in the income protections at all.\n\nDon't know yet. A little bit. Yeah. Yep. Yep.\n\nSo I just yeah. Just trying to yeah. Be a bit tidy and mindful with my spending there. 15. Yeah.\n\nYeah. Not not much, to be honest. Only a few thousand dollars. So, yeah, about 3,000. Yep.\n\nYeah. Yes. It's all as a hub. Yeah. Maybe just leave it blank until I can sort of get out.\n\nThis is from, you know, June 30 to June 30 you're talking or the yeah. That's right. Yeah. I'm I'm I'm not sure if we'll get to that to that amount, but it's possible for the financial year for sure. So Mhmm.\n\nAnd is there yeah. Is there possibilities of still good performance with this other investment that you're alluding to? Yeah. It doesn't really talk about the investment fees for that that Benelon thing. How how come it doesn't tell me the fees for that anyway?\n\nYeah. So we need With fees of of, yeah, of those particular portfolios and yeah. Yeah. Yeah. Look.\n\nIf it's not too much trouble, I guess it's sounds beneficial. Yeah. Okay. Yeah. Alright.\n\nWell, it sounds yeah. When you said just a keyword, you said there was it was a passive sort of life changing from the Benelung to a more passive sort of diversified managed fund, I guess, we'll call it. But what does does that, is it the same sort of growth sort of structure? I know that I was sort of in that aggressive growth. When you say passive, does it sort of is it become more of a passive and sort of and what what would you call it?\n\nConservative sort of fund or something as well? Or oh, yeah. Yep. Yes. Yep.\n\nWhat? Yep. Yeah. Yes. Yeah.\n\nThe meteor. Yeah. Mhmm. Yeah. No.\n\nNo. It makes sense. I sort of yeah. I couldn't reiterate what you said, but I'm sort of following along. The only question I thought with the active as opposed to passive investments, is there more fees with active investments?\n\nI mean, if you're buying and selling on the markets and what's hot and what's not, isn't there fees for all these transactions too and they would add up or substantial? Yeah. Well, at least the investment fees are kind of significant, particularly at the moment with my contributions being lower. Maybe that's another way to look at mitigating, you know, the costs in there, which is insurance and fees, I guess. So, yeah, just a thought.\n\nI'd probably like to see the comparison. Like, you know, I don't know. I mean, isn't the market just warming up again? We've had a downturn and, you know, just Yeah. Look.\n\nIt really is going to depend once you get into that that decade of the sixties, but probably 65. I mean, there's no fees accessing it then. And, yeah, I guess, yeah, that would be ideal, wouldn't it? I think there's a big fee saving accessing it up, you know, 65 or 67. So yeah.\n\nYes. Yeah. I think so. Yep. Well, reducing fees as opposed to something else.\n\nI think it's still that high growth I'm interested in, but then I guess reducing fees and so forth. Yeah. I'm still interested in that high growth for a few more years anyway until until the capital seems, you know, a little bit more, you know, cautious for preservation. Yeah. I don't know.\n\nYeah. Yep. Look. I mean, if I was much more savvy and spent an hour doing this a day, I would probably invest in organizations, not just the top 500 through that passive investment, but, you know, businesses that I valued or had a moral connection with ultimately, but I don't have that capacity. So I stay away from that moral compass with that.\n\nBut, yeah, no. I'm happy just to I think the passive, you know, just to reiterate what you said, yeah, that passage sort of investment approach and looking at that top 500 businesses and and and and less sort of buying and selling and, yeah, a bit of a fee sort of a fee mitigation strategy or something. Yeah. Probably the highest amount of risk for the time being. Yeah.\n\nYep. I think I was, yeah, certainly utilize. I view financial as a first thought. If I had, you know, as to within six months, a 30% drop or 20% or whatever. Yeah.\n\nI guess just to hear what's happening and yeah. Yes. Yeah. For sure. Yep.\n\nYeah. Sorry. What was the first part of the question? Probably more optimistic. I know it's just Yeah.\n\nIt's just emotions as you highlighted initially. So, yeah, it wouldn't bother me at all, to be honest. Yeah. Look. I've thought about them both.\n\nI'm sure I understood it more. But yeah. Yeah. I've certainly thought about it in the past. Yeah.\n\nYep. I do. Yeah. Yep. No.\n\nI don't. I know. No. Nothing with those things. Well yeah.\n\nNo. No. Thanks, Ben. It sounds like a good plan. Yeah.\n\nYeah. Yep. Okay. Yep. Okay.\n\nOkay. Yeah. Okay. No. No.\n\nThat was yeah. That makes sense. Yeah. I guess, you know, with the overview financial services and the fees there, that was another consideration last time we spoke just about, you know, whether it was appropriate and particularly now that I wasn't having that income that I I you know, that high income at that stage. So that will be something that I need to keep an eye on, of course, and we'll just, you know, that, you know, that you have to do.\n\nBut it doesn't mean it doesn't mean I haven't recommended Oakview to others, though, to be honest as well. So yeah. So Yeah. Yep. Yeah.\n\nSounds good, Dana. Thank you. Yeah. So you so that's just in the overview financial advice. So sort of in their spreadsheet or whatever.\n\nYeah. Look, I think what you sort of intuitively alluded to at the start was probably the best bit to say no contributions. I am aware of putting money into super and, you know, in all aspects that it's, you know, really important to keep doing that. But, yeah, if that changes, and it and it may very well by the next time we speak. So, yeah, we can just update it then once yeah.\n\nLet me speak some more clear. Yeah. No worries. Thanks, Dana. Because that's all.\n\nI've only got one car, so that I I think that must be quite out of date there. Let me show that. Yeah. That's the Pajero or something. Yeah.\n\nI've got a Toyota Kluger two thousand 18 or 17. Yeah. It's probably probably valued at 20,000, let's say. No. I do have a little bit of a loan on that.\n\nYeah. It's probably that amount because I know when I did the math on it, most of the insurance was well, interest I was paying in the first year or so. So I don't think it's gone down terribly much. Yeah. About 200 a week.\n\nYeah. Yeah. The child support that I I pay sort of changes depending on how much I'm working as well. But so at the moment, it's only about $300 a month, but it has gone up to $1,200 a month to last year. So it does vary a bit.\n\nYep. That's it. $300? No. That's alright.\n\nI don't know. My reception's a little call with you without the Internet backup. Yeah. Yes. Yeah.\n\nI haven't. No. I yeah. That's all. Yeah.\n\nYeah. Yes. No. I would never use State Trustees, to be honest with you. But no.\n\nLook. It's just something I've gotta do. So good to, yeah, to give me a prod there, and I'll have a look at that again too. So good thoughts. Yep.\n\nYeah. At this stage. Yeah. Yep. No.\n\nNothing that jumps out financially with super particularly, but Yeah. Yeah. That that that's appropriate. Sure. It is.\n\nYeah. Yeah. No. Not not really, Diana. But that's that's probably all, yeah, that I'm working with.\n\nYep. Excellent. Thank you. Yeah. That's fine.\n\nWe could stick sort of same time on the same day. It'd be fine. I'm sure. Yep. No.\n\nThat'd be fine. Yeah. Thanks. Okay. Actually, Danny, you might want if we put the from the October 7, we'd probably put that back from 08:00 till 09:30 or nine or something.\n\nJust as I do, I will have the boys on that morning myself. Yeah. Oh, okay. Yeah. That'd be fine.\n\nOr anytime. The earliest time's fine too on the Thursday. Yeah. Yeah. Do 08:00 my time.\n\nThat'd be great. Yeah. Willard Finance. Okay. Great.\n\nThank you, Dana. Yeah. No. Likewise. Yeah.\n\nHave a good day and a good trip away with with your son. Okay. K. Bye, Donna. Thanks.\n\nSee you later. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.36,"end":3.86,"sentiment":"neutral","sentiment_score":0.030442047864198685},{"text":"Yeah.","start":8.4,"end":8.639999,"sentiment":"neutral","sentiment_score":0.22419530153274536},{"text":"Good, Dana.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.5039567947387695},{"text":"Good.","start":9.28,"end":9.599999,"sentiment":"positive","sentiment_score":0.5653997659683228},{"text":"How are you?","start":9.599999,"end":10.5,"sentiment":"positive","sentiment_score":0.3967629273732503}],"sentiment":"positive","sentiment_score":0.3772799358703196,"num_words":8,"start":3.36,"end":10.5},{"sentences":[{"text":"Yeah.","start":16.725,"end":17.205,"sentiment":"neutral","sentiment_score":0.053779639303684235},{"text":"No.","start":17.205,"end":17.445,"sentiment":"neutral","sentiment_score":0.028968622907996178},{"text":"That's fine.","start":17.445,"end":18.165,"sentiment":"neutral","sentiment_score":0.1034235842525959},{"text":"Yeah.","start":18.165,"end":18.665,"sentiment":"neutral","sentiment_score":0.2305610179901123},{"text":"Yeah.","start":25.279999,"end":25.759998,"sentiment":"neutral","sentiment_score":0.09256716817617416}],"sentiment":"neutral","sentiment_score":0.10212060281385978,"num_words":6,"start":16.725,"end":25.759998},{"sentences":[{"text":"Could no.","start":25.759998,"end":26.64,"sentiment":"neutral","sentiment_score":0.10236631706357002},{"text":"No problems.","start":26.64,"end":27.38,"sentiment":"neutral","sentiment_score":0.11434527859091759},{"text":"Yeah.","start":28.0,"end":28.24,"sentiment":"neutral","sentiment_score":0.05677346885204315},{"text":"I haven't been putting a lot into super, so I've been a bit mindful about, you know, what's coming out and what fees and charges and, you know, changes in the changes in the portfolio.","start":28.24,"end":41.515,"sentiment":"neutral","sentiment_score":0.004526550834998489},{"text":"Yeah.","start":42.934998,"end":43.335,"sentiment":"neutral","sentiment_score":0.09325063228607178}],"sentiment":"neutral","sentiment_score":0.018094550528586273,"num_words":41,"start":25.759998,"end":43.335},{"sentences":[{"text":"But but other than that, all good.","start":43.335,"end":47.195,"sentiment":"neutral","sentiment_score":0.22039273061922618},{"text":"Yep.","start":63.06,"end":63.56,"sentiment":"neutral","sentiment_score":0.08639796823263168},{"text":"Yeah.","start":71.895,"end":72.375,"sentiment":"neutral","sentiment_score":0.029385503381490707},{"text":"I I should be able to.","start":72.375,"end":73.575,"sentiment":"neutral","sentiment_score":0.024822901313503582},{"text":"I am in saying that we are having some work, so the power is being cut off here.","start":73.575,"end":78.534996,"sentiment":"neutral","sentiment_score":-0.09482270665466785}],"sentiment":"neutral","sentiment_score":0.003050341637748661,"num_words":33,"start":43.335,"end":78.534996},{"sentences":[{"text":"And I I don't have Internet access, but I should still be able to access my emails and stuff on my phone.","start":78.534996,"end":85.23,"sentiment":"neutral","sentiment_score":-0.026028088209303944},{"text":"It's just the reception can be a little bit laggy.","start":85.23,"end":87.89,"sentiment":"neutral","sentiment_score":-0.1814530923962593},{"text":"So I don't know.","start":87.950005,"end":90.37,"sentiment":"neutral","sentiment_score":-0.022676492109894753},{"text":"No.","start":102.994995,"end":103.155,"sentiment":"neutral","sentiment_score":-0.09009885042905807},{"text":"No.","start":103.155,"end":103.395,"sentiment":"neutral","sentiment_score":-0.1067926436662674}],"sentiment":"neutral","sentiment_score":-0.07038806123953116,"num_words":38,"start":78.534996,"end":103.395},{"sentences":[{"text":"I've I'm just looking.","start":103.395,"end":105.015,"sentiment":"neutral","sentiment_score":-0.09389214031398296},{"text":"I've yeah.","start":105.155,"end":106.115,"sentiment":"neutral","sentiment_score":-0.04272869601845741},{"text":"It's a signature document, is it?","start":106.115,"end":107.875,"sentiment":"neutral","sentiment_score":-0.031042568075160187},{"text":"Or Right.","start":107.875,"end":123.1,"sentiment":"neutral","sentiment_score":0.018505915999412537},{"text":"Okay.","start":123.1,"end":123.6,"sentiment":"neutral","sentiment_score":0.08275672793388367}],"sentiment":"neutral","sentiment_score":-0.03516752012073994,"num_words":15,"start":103.395,"end":123.6},{"sentences":[{"text":"Yes.","start":132.075,"end":132.395,"sentiment":"neutral","sentiment_score":0.13598638772964478},{"text":"Of course.","start":132.395,"end":132.955,"sentiment":"neutral","sentiment_score":0.1798989176750183},{"text":"Yeah.","start":132.955,"end":133.455,"sentiment":"positive","sentiment_score":0.3356177806854248},{"text":"Yeah.","start":141.31999,"end":141.64,"sentiment":"neutral","sentiment_score":0.05595234036445618},{"text":"Jay Alcock, so it's the 2nd 975.","start":141.64,"end":145.5,"sentiment":"neutral","sentiment_score":0.04008014979107039}],"sentiment":"neutral","sentiment_score":0.09732628272225459,"num_words":12,"start":132.075,"end":145.5},{"sentences":[{"text":"And the address was it?","start":145.64,"end":147.09999,"sentiment":"neutral","sentiment_score":0.07243385910987854},{"text":"Yeah.","start":147.72,"end":148.22,"sentiment":"neutral","sentiment_score":0.07481740415096283},{"text":"Yeah.","start":148.68,"end":149.15999,"sentiment":"neutral","sentiment_score":0.04438678175210953},{"text":"18 Story Street, North Whantheggie, Victoria 3 Double oh, yeah.","start":149.15999,"end":154.68,"sentiment":"neutral","sentiment_score":0.07199238501489162},{"text":"3995.","start":154.68,"end":155.775,"sentiment":"neutral","sentiment_score":0.05183807760477066}],"sentiment":"neutral","sentiment_score":0.06961863384478623,"num_words":18,"start":145.64,"end":155.775},{"sentences":[{"text":"Yeah.","start":170.44,"end":170.76,"sentiment":"neutral","sentiment_score":0.04707873985171318},{"text":"I'm just looking at that now.","start":170.76,"end":172.7,"sentiment":"neutral","sentiment_score":0.047862280160188675},{"text":"Yep.","start":172.76,"end":173.26,"sentiment":"neutral","sentiment_score":0.09973989427089693},{"text":"Yep.","start":182.12,"end":182.62,"sentiment":"neutral","sentiment_score":0.04080652818083763},{"text":"Okay.","start":250.57999,"end":251.07999,"sentiment":"neutral","sentiment_score":0.11059218645095824}],"sentiment":"neutral","sentiment_score":0.058539102971553805,"num_words":10,"start":170.44,"end":251.07999},{"sentences":[{"text":"Right, Donna.","start":251.22,"end":251.86,"sentiment":"neutral","sentiment_score":0.1671217381954193},{"text":"Thank you.","start":251.86,"end":252.59999,"sentiment":"positive","sentiment_score":0.48624011874198914},{"text":"Yeah.","start":297.035,"end":297.355,"sentiment":"neutral","sentiment_score":0.0803462415933609},{"text":"Absolutely.","start":297.355,"end":297.855,"sentiment":"neutral","sentiment_score":0.11828139424324036},{"text":"Yeah.","start":298.23502,"end":298.73502,"sentiment":"neutral","sentiment_score":0.0823432207107544}],"sentiment":"neutral","sentiment_score":0.22681351006031036,"num_words":7,"start":251.22,"end":298.73502},{"sentences":[{"text":"Yep.","start":299.035,"end":299.535,"sentiment":"neutral","sentiment_score":0.17239949107170105},{"text":"No.","start":334.59,"end":334.83002,"sentiment":"neutral","sentiment_score":-0.10835174471139908},{"text":"I mean, look so just looking at how much is paid there from from my I suppose that's yeah.","start":334.83002,"end":347.255,"sentiment":"neutral","sentiment_score":-0.07228712482671988},{"text":"I suppose that's one consideration, but I don't know if that drops it much.","start":347.255,"end":351.595,"sentiment":"neutral","sentiment_score":-0.0890806256128209},{"text":"Maybe that's, yeah, just, yeah, worthwhile, I guess.","start":352.695,"end":357.68002,"sentiment":"neutral","sentiment_score":-0.003779330989345908}],"sentiment":"neutral","sentiment_score":-0.06015746585678223,"num_words":43,"start":299.035,"end":357.68002},{"sentences":[{"text":"I I haven't looked into it to, you know, to yeah.","start":357.68002,"end":361.94,"sentiment":"neutral","sentiment_score":-0.09199951589107513},{"text":"Yeah.","start":398.915,"end":399.395,"sentiment":"neutral","sentiment_score":0.09887373447418212},{"text":"Yeah.","start":399.395,"end":399.715,"sentiment":"neutral","sentiment_score":0.0914762020111084},{"text":"No.","start":399.715,"end":399.955,"sentiment":"neutral","sentiment_score":0.030429858714342117},{"text":"That's yeah.","start":399.955,"end":402.595,"sentiment":"neutral","sentiment_score":0.14631976932287216}],"sentiment":"neutral","sentiment_score":-0.031160958809778094,"num_words":16,"start":357.68002,"end":402.595},{"sentences":[{"text":"That makes sense.","start":402.595,"end":403.655,"sentiment":"neutral","sentiment_score":0.24383718768755594},{"text":"Yeah.","start":405.315,"end":405.79498,"sentiment":"neutral","sentiment_score":0.21530412137508392},{"text":"I I'd still like some there, I guess.","start":405.79498,"end":408.275,"sentiment":"neutral","sentiment_score":0.14958949107676744},{"text":"It just sort of gives insurance to to my children really, ultimately, I suppose.","start":408.275,"end":412.87003,"sentiment":"neutral","sentiment_score":0.14491011308772223},{"text":"Yeah.","start":413.01,"end":413.51,"sentiment":"neutral","sentiment_score":0.1757429540157318}],"sentiment":"neutral","sentiment_score":0.1610376351961383,"num_words":27,"start":402.595,"end":413.51},{"sentences":[{"text":"Right.","start":419.97,"end":420.47,"sentiment":"neutral","sentiment_score":0.03144018352031708},{"text":"Yes.","start":429.435,"end":429.935,"sentiment":"neutral","sentiment_score":0.09276646375656128},{"text":"Okay.","start":460.305,"end":460.805,"sentiment":"neutral","sentiment_score":0.024352366104722023},{"text":"Yep.","start":467.21,"end":467.71,"sentiment":"neutral","sentiment_score":0.04298187792301178},{"text":"Yep.","start":539.805,"end":540.305,"sentiment":"neutral","sentiment_score":0.06081078574061394}],"sentiment":"neutral","sentiment_score":0.05047033540904522,"num_words":5,"start":419.97,"end":540.305},{"sentences":[{"text":"Yes.","start":593.555,"end":594.055,"sentiment":"neutral","sentiment_score":0.14194396138191223},{"text":"No.","start":617.17505,"end":617.41504,"sentiment":"neutral","sentiment_score":-0.0985037311911583},{"text":"I can access it.","start":617.41504,"end":618.375,"sentiment":"neutral","sentiment_score":-0.08789016120135784},{"text":"Yeah.","start":618.375,"end":618.875,"sentiment":"neutral","sentiment_score":-0.0013937819749116898},{"text":"Yep.","start":619.335,"end":619.835,"sentiment":"neutral","sentiment_score":0.030702855437994003}],"sentiment":"neutral","sentiment_score":-0.03485141764394939,"num_words":8,"start":593.555,"end":619.835},{"sentences":[{"text":"Okay.","start":637.43,"end":637.91,"sentiment":"neutral","sentiment_score":0.09788309037685394},{"text":"Yeah.","start":637.91,"end":638.41,"sentiment":"neutral","sentiment_score":0.06804846227169037},{"text":"No.","start":664.08,"end":664.39996,"sentiment":"neutral","sentiment_score":-0.03655993565917015},{"text":"That's that's still correct.","start":664.39996,"end":666.0,"sentiment":"neutral","sentiment_score":0.03488977931556292},{"text":"Yeah.","start":666.0,"end":666.48,"sentiment":"neutral","sentiment_score":0.0814938098192215}],"sentiment":"neutral","sentiment_score":0.04380306800885592,"num_words":8,"start":637.43,"end":666.48},{"sentences":[{"text":"Yep.","start":666.48,"end":666.98,"sentiment":"neutral","sentiment_score":0.045227326452732086},{"text":"Yeah.","start":689.35,"end":689.67,"sentiment":"neutral","sentiment_score":0.04071725159883499},{"text":"Of course.","start":689.67,"end":690.23,"sentiment":"neutral","sentiment_score":0.03431385010480881},{"text":"Yep.","start":690.23,"end":690.73,"sentiment":"neutral","sentiment_score":0.03759145736694336},{"text":"Yeah.","start":745.94995,"end":746.18994,"sentiment":"neutral","sentiment_score":-0.04341857135295868}],"sentiment":"neutral","sentiment_score":0.02479086071252823,"num_words":6,"start":666.48,"end":746.18994},{"sentences":[{"text":"I'm not sure if it's there or broad, though, to be honest.","start":746.18994,"end":749.00995,"sentiment":"neutral","sentiment_score":-0.11314321309328079},{"text":"Yeah.","start":751.23,"end":751.73,"sentiment":"neutral","sentiment_score":-0.03480847179889679},{"text":"I think I was saying yeah.","start":751.79,"end":756.75,"sentiment":"neutral","sentiment_score":-0.035632707799474396},{"text":"Of course.","start":756.75,"end":757.41,"sentiment":"neutral","sentiment_score":-0.020162934437394142},{"text":"Yeah.","start":758.445,"end":758.685,"sentiment":"neutral","sentiment_score":-0.012070558965206146}],"sentiment":"neutral","sentiment_score":-0.07539635016159578,"num_words":22,"start":746.18994,"end":758.685},{"sentences":[{"text":"Doctor Humayan, it is.","start":758.685,"end":760.205,"sentiment":"neutral","sentiment_score":-0.0265358523465693},{"text":"But I haven't been to the doctors in about twelve months, I reckon.","start":760.205,"end":763.405,"sentiment":"neutral","sentiment_score":-0.0735650584101677},{"text":"So, yeah, I I I haven't the doctor down this way, so I still go up to doctor Humayan.","start":763.405,"end":771.905,"sentiment":"neutral","sentiment_score":-0.07211564579292347},{"text":"But, yeah.","start":772.205,"end":774.7,"sentiment":"neutral","sentiment_score":-0.0532132126390934},{"text":"I can't I think yeah.","start":774.7,"end":777.74,"sentiment":"neutral","sentiment_score":-0.10213305354118347}],"sentiment":"neutral","sentiment_score":-0.07092507283181645,"num_words":43,"start":758.685,"end":777.74},{"sentences":[{"text":"We could just use KC Medical Center.","start":777.74,"end":779.9,"sentiment":"neutral","sentiment_score":-0.0563947068793433},{"text":"I I think they have some stuff on file too.","start":779.9,"end":782.54,"sentiment":"neutral","sentiment_score":-0.04627835340797901},{"text":"So what what what's the GP that it says there?","start":782.54,"end":785.76,"sentiment":"neutral","sentiment_score":-0.04657526947557926},{"text":"Yes.","start":828.495,"end":828.995,"sentiment":"neutral","sentiment_score":-0.017649563029408455},{"text":"Might be better off just using that one.","start":830.01495,"end":831.95496,"sentiment":"neutral","sentiment_score":-0.06691966066136956}],"sentiment":"neutral","sentiment_score":-0.052119611814204186,"num_words":36,"start":777.74,"end":831.95496},{"sentences":[{"text":"The other one's too hard to get into, to be honest.","start":833.11005,"end":835.51,"sentiment":"neutral","sentiment_score":-0.20124452222477307},{"text":"And, yeah, as much as I know the doctor as well.","start":835.51,"end":839.29004,"sentiment":"neutral","sentiment_score":0.023549128747121853},{"text":"It worked mainly, but yeah.","start":840.15,"end":842.65,"sentiment":"neutral","sentiment_score":0.12629184126853943},{"text":"Yeah.","start":845.27,"end":845.77,"sentiment":"neutral","sentiment_score":0.1466445028781891},{"text":"Yeah.","start":849.025,"end":849.525,"sentiment":"neutral","sentiment_score":0.2875412702560425}],"sentiment":"neutral","sentiment_score":-0.03065532237162878,"num_words":29,"start":833.11005,"end":849.525},{"sentences":[{"text":"Okay.","start":902.34503,"end":902.84503,"sentiment":"neutral","sentiment_score":0.08896319568157196},{"text":"Yep.","start":903.145,"end":903.465,"sentiment":"neutral","sentiment_score":0.15852828323841095},{"text":"Great.","start":903.465,"end":903.965,"sentiment":"positive","sentiment_score":0.4559730887413025},{"text":"Okay.","start":932.395,"end":932.895,"sentiment":"neutral","sentiment_score":0.07763490080833435},{"text":"Yeah.","start":938.795,"end":939.115,"sentiment":"neutral","sentiment_score":0.05033344775438309}],"sentiment":"neutral","sentiment_score":0.16628658324480056,"num_words":5,"start":902.34503,"end":939.115},{"sentences":[{"text":"Of 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we'll call it.","start":1685.785,"end":1698.84,"sentiment":"neutral","sentiment_score":0.05794425399175712},{"text":"But what does does that, is it the same sort of growth sort of structure?","start":1698.84,"end":1707.4349,"sentiment":"neutral","sentiment_score":0.016414292653401694},{"text":"I know that I was sort of in that aggressive growth.","start":1707.8949,"end":1710.375,"sentiment":"neutral","sentiment_score":-0.022675959224050694},{"text":"When you say passive, does it sort of is it become more of a passive and sort of and what what would you call it?","start":1710.375,"end":1719.63,"sentiment":"neutral","sentiment_score":0.007894291281700135}],"sentiment":"neutral","sentiment_score":0.03610741390536229,"num_words":90,"start":1683.945,"end":1719.63},{"sentences":[{"text":"Conservative sort of fund or something as well?","start":1719.63,"end":1723.3301,"sentiment":"neutral","sentiment_score":-0.001588345505297184},{"text":"Or oh, yeah.","start":1731.31,"end":1732.11,"sentiment":"neutral","sentiment_score":0.09736999620993932},{"text":"Yep.","start":1732.11,"end":1732.61,"sentiment":"neutral","sentiment_score":0.10963356494903564},{"text":"Yes.","start":1751.8501,"end":1752.3301,"sentiment":"neutral","sentiment_score":0.0854387879371643},{"text":"Yep.","start":1752.3301,"end":1752.8301,"sentiment":"neutral","sentiment_score":0.08359851688146591}],"sentiment":"neutral","sentiment_score":0.039862435311079025,"num_words":14,"start":1719.63,"end":1752.8301},{"sentences":[{"text":"What?","start":1820.8049,"end":1821.2849,"sentiment":"neutral","sentiment_score":0.11568121612071992},{"text":"Yep.","start":1821.2849,"end":1821.7849,"sentiment":"neutral","sentiment_score":0.19547173380851743},{"text":"Yeah.","start":1890.53,"end":1891.03,"sentiment":"neutral","sentiment_score":-0.3142651319503784},{"text":"Yes.","start":1946.4501,"end":1946.93,"sentiment":"neutral","sentiment_score":0.0680924504995346},{"text":"Yeah.","start":1946.93,"end":1947.43,"sentiment":"neutral","sentiment_score":0.027539610862731937}],"sentiment":"neutral","sentiment_score":0.0185039758682251,"num_words":5,"start":1820.8049,"end":1947.43},{"sentences":[{"text":"The meteor.","start":1949.0901,"end":1949.8301,"sentiment":"neutral","sentiment_score":0.008267669938504696},{"text":"Yeah.","start":1950.13,"end":1950.63,"sentiment":"neutral","sentiment_score":-0.010366065427660942},{"text":"Mhmm.","start":1970.83,"end":1971.33,"sentiment":"neutral","sentiment_score":-0.25286421179771423},{"text":"Yeah.","start":2071.495,"end":2071.995,"sentiment":"neutral","sentiment_score":-0.05591234192252159},{"text":"No.","start":2118.615,"end":2118.855,"sentiment":"neutral","sentiment_score":-0.06696857511997223}],"sentiment":"neutral","sentiment_score":-0.061595975731809936,"num_words":6,"start":1949.0901,"end":2118.855},{"sentences":[{"text":"No.","start":2118.855,"end":2119.095,"sentiment":"neutral","sentiment_score":-0.08061951398849487},{"text":"It makes sense.","start":2119.095,"end":2119.815,"sentiment":"neutral","sentiment_score":-0.022482673327128094},{"text":"I sort of yeah.","start":2119.815,"end":2121.095,"sentiment":"neutral","sentiment_score":-0.009132504928857088},{"text":"I couldn't reiterate what you said, but I'm sort of following along.","start":2121.095,"end":2124.395,"sentiment":"neutral","sentiment_score":-0.00006937111417452495},{"text":"The only question I thought with the active as opposed to passive investments, is there more fees with active investments?","start":2124.535,"end":2133.8499,"sentiment":"neutral","sentiment_score":-0.04188547963276505}],"sentiment":"neutral","sentiment_score":-0.025578489992767572,"num_words":40,"start":2118.855,"end":2133.8499},{"sentences":[{"text":"I mean, if you're buying and selling on the markets and what's hot and what's not, isn't there fees for all these transactions too and they would add up or substantial?","start":2133.91,"end":2142.65,"sentiment":"neutral","sentiment_score":-0.006056839975738718},{"text":"Yeah.","start":2170.745,"end":2171.0652,"sentiment":"neutral","sentiment_score":0.21081432700157168},{"text":"Well, at least the investment fees are kind of significant, particularly at the moment with my contributions being lower.","start":2171.0652,"end":2177.245,"sentiment":"neutral","sentiment_score":0.2509237033756156},{"text":"Maybe that's another way to look at mitigating, you know, the costs in there, which is insurance and fees, I guess.","start":2177.625,"end":2185.225,"sentiment":"neutral","sentiment_score":0.1249233963234084},{"text":"So, yeah, just a thought.","start":2185.225,"end":2200.7,"sentiment":"neutral","sentiment_score":0.19284013360738755}],"sentiment":"neutral","sentiment_score":0.10880772263271274,"num_words":77,"start":2133.91,"end":2200.7},{"sentences":[{"text":"I'd probably like to see the comparison.","start":2222.6802,"end":2224.4602,"sentiment":"neutral","sentiment_score":0.01654227091265576},{"text":"Like, you know, I don't know.","start":2224.76,"end":2226.3,"sentiment":"neutral","sentiment_score":0.0073536319347719354},{"text":"I mean, isn't the market just warming up again?","start":2226.5752,"end":2228.735,"sentiment":"neutral","sentiment_score":-0.031906661267081894},{"text":"We've had a downturn and, you know, just Yeah.","start":2228.735,"end":2264.495,"sentiment":"neutral","sentiment_score":-0.0795554584927029},{"text":"Look.","start":2281.325,"end":2281.825,"sentiment":"neutral","sentiment_score":0.04796382039785385}],"sentiment":"neutral","sentiment_score":-0.024852424045093358,"num_words":32,"start":2222.6802,"end":2281.825},{"sentences":[{"text":"It really is going to depend once you get into that that decade of the sixties, but probably 65.","start":2282.045,"end":2288.4448,"sentiment":"neutral","sentiment_score":0.09841380719291537},{"text":"I mean, there's no fees accessing it then.","start":2288.4448,"end":2291.005,"sentiment":"neutral","sentiment_score":0.19027080666273832},{"text":"And, yeah, I guess, yeah, that would be ideal, wouldn't it?","start":2291.005,"end":2296.94,"sentiment":"neutral","sentiment_score":0.3259256685321981},{"text":"I think there's a big fee saving accessing it up, you know, 65 or 67.","start":2296.94,"end":2301.98,"sentiment":"positive","sentiment_score":0.424538916349411},{"text":"So yeah.","start":2301.98,"end":2303.68,"sentiment":"positive","sentiment_score":0.3404136449098587}],"sentiment":"neutral","sentiment_score":0.25502040325240655,"num_words":55,"start":2282.045,"end":2303.68},{"sentences":[{"text":"Yes.","start":2312.045,"end":2312.545,"sentiment":"neutral","sentiment_score":0.31906262040138245},{"text":"Yeah.","start":2334.5598,"end":2334.88,"sentiment":"neutral","sentiment_score":0.1797254979610443},{"text":"I think so.","start":2334.88,"end":2335.68,"sentiment":"neutral","sentiment_score":0.1881585270166397},{"text":"Yep.","start":2335.68,"end":2336.18,"sentiment":"neutral","sentiment_score":0.17896422743797302},{"text":"Well, reducing fees as opposed to something else.","start":2354.28,"end":2366.295,"sentiment":"neutral","sentiment_score":-0.06151555944234133}],"sentiment":"neutral","sentiment_score":0.05357881795082774,"num_words":14,"start":2312.045,"end":2366.295},{"sentences":[{"text":"I think it's still that high growth I'm interested in, but then I guess reducing fees and so forth.","start":2366.295,"end":2372.075,"sentiment":"neutral","sentiment_score":0.02919302433177731},{"text":"Yeah.","start":2372.935,"end":2373.255,"sentiment":"neutral","sentiment_score":0.0016249538166448474},{"text":"I'm still interested in that high growth for a few more years anyway until until the capital seems, you know, a little bit more, you know, cautious for preservation.","start":2373.255,"end":2383.97,"sentiment":"neutral","sentiment_score":0.10900393269699195},{"text":"Yeah.","start":2384.51,"end":2384.75,"sentiment":"neutral","sentiment_score":0.028434747830033302},{"text":"I don't know.","start":2384.75,"end":2385.57,"sentiment":"neutral","sentiment_score":-0.0087081054225564}],"sentiment":"neutral","sentiment_score":0.0701833376584065,"num_words":53,"start":2366.295,"end":2385.57},{"sentences":[{"text":"Yeah.","start":2386.35,"end":2386.85,"sentiment":"neutral","sentiment_score":0.11031383275985718},{"text":"Yep.","start":2400.3152,"end":2400.8152,"sentiment":"neutral","sentiment_score":0.24850428104400635},{"text":"Look.","start":2434.995,"end":2435.3152,"sentiment":"neutral","sentiment_score":0.006107030436396599},{"text":"I mean, if I was much more savvy and spent an hour doing this a day, I would probably invest in organizations, not just the top 500 through that passive investment, but, you know, businesses that I valued or had a moral connection with ultimately, but I don't have that capacity.","start":2435.3152,"end":2453.3,"sentiment":"neutral","sentiment_score":-0.050270475337610525},{"text":"So I stay away from that moral compass with that.","start":2453.6,"end":2457.885,"sentiment":"neutral","sentiment_score":-0.16208435744047164}],"sentiment":"neutral","sentiment_score":-0.05968301050597802,"num_words":64,"start":2386.35,"end":2457.885},{"sentences":[{"text":"But, yeah, no.","start":2457.885,"end":2459.4849,"sentiment":"neutral","sentiment_score":-0.07665793100992839},{"text":"I'm happy just to I think the passive, you know, just to reiterate what you said, yeah, that passage sort of investment approach and looking at that top 500 businesses and and and and less sort of buying and selling and, yeah, a bit of a fee sort of a fee mitigation strategy or something.","start":2459.4849,"end":2484.585,"sentiment":"neutral","sentiment_score":-0.031345417418263175},{"text":"Yeah.","start":2484.585,"end":2485.085,"sentiment":"neutral","sentiment_score":0.08140220493078232},{"text":"Probably the highest amount of risk for the time being.","start":2538.245,"end":2541.365,"sentiment":"neutral","sentiment_score":-0.01195816844701767},{"text":"Yeah.","start":2541.365,"end":2541.865,"sentiment":"neutral","sentiment_score":0.033521514385938644}],"sentiment":"neutral","sentiment_score":-0.027980424516967365,"num_words":70,"start":2457.885,"end":2541.865},{"sentences":[{"text":"Yep.","start":2541.925,"end":2542.425,"sentiment":"neutral","sentiment_score":0.07895881682634354},{"text":"I think I was, yeah, certainly utilize.","start":2576.02,"end":2579.6401,"sentiment":"neutral","sentiment_score":-0.07883033049958092},{"text":"I view financial as a first 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sure.","start":2597.585,"end":2598.2449,"sentiment":"neutral","sentiment_score":0.03553405590355396},{"text":"Yep.","start":2598.385,"end":2598.885,"sentiment":"neutral","sentiment_score":0.04451129958033562}],"sentiment":"neutral","sentiment_score":-0.02370503358542919,"num_words":14,"start":2590.945,"end":2598.885},{"sentences":[{"text":"Yeah.","start":2599.345,"end":2599.845,"sentiment":"neutral","sentiment_score":0.028904780745506287},{"text":"Sorry.","start":2617.385,"end":2617.625,"sentiment":"neutral","sentiment_score":-0.0567571297287941},{"text":"What was the first part of the question?","start":2617.625,"end":2619.7249,"sentiment":"neutral","sentiment_score":-0.03360366984270513},{"text":"Probably more optimistic.","start":2641.18,"end":2642.3198,"sentiment":"neutral","sentiment_score":0.04815495448807875},{"text":"I know it's just Yeah.","start":2642.38,"end":2643.8398,"sentiment":"neutral","sentiment_score":0.001366170821711421}],"sentiment":"neutral","sentiment_score":-0.008076999452896416,"num_words":18,"start":2599.345,"end":2643.8398},{"sentences":[{"text":"It's just emotions as you highlighted initially.","start":2643.9,"end":2647.805,"sentiment":"neutral","sentiment_score":-0.016122319602540562},{"text":"So, yeah, it wouldn't bother me at all, to be honest.","start":2647.865,"end":2651.325,"sentiment":"neutral","sentiment_score":-0.09062894907864658},{"text":"Yeah.","start":2671.0999,"end":2671.3398,"sentiment":"neutral","sentiment_score":0.009575579315423964},{"text":"Look.","start":2671.3398,"end":2671.5798,"sentiment":"neutral","sentiment_score":0.004155635833740234},{"text":"I've thought about them both.","start":2671.5798,"end":2672.94,"sentiment":"neutral","sentiment_score":-0.0025552812963724135}],"sentiment":"neutral","sentiment_score":-0.04435279473662376,"num_words":25,"start":2643.9,"end":2672.94},{"sentences":[{"text":"I'm sure I understood it more.","start":2672.94,"end":2674.515,"sentiment":"neutral","sentiment_score":0.00460675141463677},{"text":"But yeah.","start":2675.295,"end":2677.135,"sentiment":"neutral","sentiment_score":-0.0010173488408327103},{"text":"Yeah.","start":2677.135,"end":2677.455,"sentiment":"neutral","sentiment_score":0.014735307544469832},{"text":"I've certainly thought about it in the 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do.","start":2722.26,"end":2722.8198,"sentiment":"neutral","sentiment_score":0.04320619814097881},{"text":"Yeah.","start":2722.8198,"end":2723.3198,"sentiment":"neutral","sentiment_score":0.05062970891594887},{"text":"Yep.","start":2723.38,"end":2723.88,"sentiment":"neutral","sentiment_score":0.06216639280319214},{"text":"No.","start":2729.175,"end":2729.4949,"sentiment":"neutral","sentiment_score":-0.08009786903858185}],"sentiment":"neutral","sentiment_score":0.019226924399845302,"num_words":6,"start":2696.14,"end":2729.4949},{"sentences":[{"text":"I don't.","start":2729.4949,"end":2729.9749,"sentiment":"neutral","sentiment_score":-0.08006612211465836},{"text":"I know.","start":2729.9749,"end":2730.455,"sentiment":"neutral","sentiment_score":-0.09480730071663857},{"text":"No.","start":2730.455,"end":2730.775,"sentiment":"neutral","sentiment_score":-0.07409224659204483},{"text":"Nothing with those things.","start":2730.775,"end":2731.895,"sentiment":"neutral","sentiment_score":-0.05307839531451464},{"text":"Well yeah.","start":2731.895,"end":2732.955,"sentiment":"neutral","sentiment_score":0.037676467560231686}],"sentiment":"neutral","sentiment_score":-0.050981794399293984,"num_words":11,"start":2729.4949,"end":2732.955},{"sentences":[{"text":"No.","start":2774.3801,"end":2774.62,"sentiment":"neutral","sentiment_score":-0.124252051115036},{"text":"No.","start":2774.62,"end":2774.94,"sentiment":"neutral","sentiment_score":-0.08821924030780792},{"text":"Thanks, Ben.","start":2774.94,"end":2775.58,"sentiment":"neutral","sentiment_score":0.11330988630652428},{"text":"It sounds like a good plan.","start":2775.58,"end":2778.22,"sentiment":"neutral","sentiment_score":0.33308330674966175},{"text":"Yeah.","start":2778.22,"end":2778.72,"sentiment":"neutral","sentiment_score":0.1975277066230774}],"sentiment":"neutral","sentiment_score":0.20092509348284116,"num_words":11,"start":2774.3801,"end":2778.72},{"sentences":[{"text":"Yeah.","start":2778.78,"end":2779.28,"sentiment":"neutral","sentiment_score":0.2081904113292694},{"text":"Yep.","start":2794.1199,"end":2794.6199,"sentiment":"neutral","sentiment_score":0.08337783068418503},{"text":"Okay.","start":2799.32,"end":2799.82,"sentiment":"neutral","sentiment_score":0.0636172965168953},{"text":"Yep.","start":2800.04,"end":2800.52,"sentiment":"neutral","sentiment_score":0.08272458612918854},{"text":"Okay.","start":2800.52,"end":2801.02,"sentiment":"neutral","sentiment_score":0.1748468428850174}],"sentiment":"neutral","sentiment_score":0.12255139350891113,"num_words":5,"start":2778.78,"end":2801.02},{"sentences":[{"text":"Okay.","start":2816.1648,"end":2816.6648,"sentiment":"neutral","sentiment_score":0.08321055769920349},{"text":"Yeah.","start":2816.7249,"end":2817.2249,"sentiment":"neutral","sentiment_score":0.17836013436317444},{"text":"Okay.","start":2872.175,"end":2872.675,"sentiment":"neutral","sentiment_score":0.03205391764640808},{"text":"No.","start":2934.77,"end":2935.09,"sentiment":"neutral","sentiment_score":-0.1820959746837616},{"text":"No.","start":2935.09,"end":2935.4102,"sentiment":"neutral","sentiment_score":-0.16971436142921448}],"sentiment":"neutral","sentiment_score":-0.011637145280838012,"num_words":5,"start":2816.1648,"end":2935.4102},{"sentences":[{"text":"That was yeah.","start":2935.4102,"end":2936.85,"sentiment":"neutral","sentiment_score":-0.0666404590010643},{"text":"That makes sense.","start":2936.85,"end":2937.83,"sentiment":"neutral","sentiment_score":0.2543862561384837},{"text":"Yeah.","start":2939.25,"end":2939.73,"sentiment":"neutral","sentiment_score":0.1740538477897644},{"text":"I guess, you know, with the overview financial services and the fees there, that was another consideration last time we spoke just about, you know, whether it was appropriate and particularly now that I wasn't having that income that I I you know, that high income at that stage.","start":2939.73,"end":2956.065,"sentiment":"neutral","sentiment_score":0.026818091543961545},{"text":"So that will be something that I need to keep an eye on, of course, and we'll just, you know, that, you know, that you have to do.","start":2956.065,"end":2962.4102,"sentiment":"neutral","sentiment_score":0.03707206182714019}],"sentiment":"neutral","sentiment_score":0.036778517333524566,"num_words":84,"start":2935.4102,"end":2962.4102},{"sentences":[{"text":"But it doesn't mean it doesn't mean I haven't recommended Oakview to others, though, to be honest as well.","start":2962.4102,"end":2968.57,"sentiment":"neutral","sentiment_score":-0.18417513566581825},{"text":"So yeah.","start":2968.57,"end":2969.77,"sentiment":"neutral","sentiment_score":-0.021457353606820107},{"text":"So Yeah.","start":2969.77,"end":2971.55,"sentiment":"positive","sentiment_score":0.3913651406764984},{"text":"Yep.","start":2971.93,"end":2972.43,"sentiment":"positive","sentiment_score":0.44668516516685486},{"text":"Yeah.","start":2975.125,"end":2975.625,"sentiment":"neutral","sentiment_score":-0.05766703188419342}],"sentiment":"neutral","sentiment_score":-0.09481975480914116,"num_words":25,"start":2962.4102,"end":2975.625},{"sentences":[{"text":"Sounds good, Dana.","start":2993.36,"end":2994.24,"sentiment":"positive","sentiment_score":0.6068672140439352},{"text":"Thank you.","start":2994.24,"end":2994.98,"sentiment":"positive","sentiment_score":0.6979976296424866},{"text":"Yeah.","start":3053.92,"end":3054.3198,"sentiment":"neutral","sentiment_score":0.020283972844481468},{"text":"So you so that's just in the overview financial advice.","start":3054.3198,"end":3058.645,"sentiment":"neutral","sentiment_score":0.00847413670271635},{"text":"So sort of in their spreadsheet or whatever.","start":3058.7048,"end":3061.845,"sentiment":"neutral","sentiment_score":0.005517194862477481}],"sentiment":"neutral","sentiment_score":0.14023999167451015,"num_words":24,"start":2993.36,"end":3061.845},{"sentences":[{"text":"Yeah.","start":3063.265,"end":3063.765,"sentiment":"neutral","sentiment_score":0.015002558007836342},{"text":"Look, I think what you sort of intuitively alluded to at the start was probably the best bit to say no contributions.","start":3108.52,"end":3115.295,"sentiment":"neutral","sentiment_score":-0.15065452287142928},{"text":"I am aware of putting money into super and, you know, in all aspects that it's, you know, really important to keep doing that.","start":3115.355,"end":3123.835,"sentiment":"neutral","sentiment_score":-0.010140186098093787},{"text":"But, yeah, if that changes, and it and it may very well by the next time we speak.","start":3123.835,"end":3130.81,"sentiment":"neutral","sentiment_score":0.09813157044765022},{"text":"So, yeah, we can just update it then once yeah.","start":3130.81,"end":3133.83,"sentiment":"neutral","sentiment_score":0.07387267388403415}],"sentiment":"neutral","sentiment_score":-0.013835552061597506,"num_words":75,"start":3063.265,"end":3133.83},{"sentences":[{"text":"Let me speak some more clear.","start":3134.85,"end":3136.31,"sentiment":"neutral","sentiment_score":0.08214017562568188},{"text":"Yeah.","start":3150.385,"end":3150.865,"sentiment":"neutral","sentiment_score":0.1680772602558136},{"text":"No worries.","start":3150.865,"end":3151.425,"sentiment":"neutral","sentiment_score":0.29342517256736755},{"text":"Thanks, Dana.","start":3151.425,"end":3152.145,"sentiment":"positive","sentiment_score":0.5396091341972351},{"text":"Because that's all.","start":3152.145,"end":3153.285,"sentiment":"neutral","sentiment_score":0.315747191508611}],"sentiment":"neutral","sentiment_score":0.23387346443321025,"num_words":14,"start":3134.85,"end":3153.285},{"sentences":[{"text":"I've only got one car, so that I I think that must be quite out of date there.","start":3174.425,"end":3179.405,"sentiment":"neutral","sentiment_score":-0.15548674803641108},{"text":"Let me show that.","start":3180.665,"end":3181.885,"sentiment":"neutral","sentiment_score":-0.03624910209327936},{"text":"Yeah.","start":3182.3452,"end":3182.665,"sentiment":"neutral","sentiment_score":0.0032314350828528404},{"text":"That's the Pajero or something.","start":3182.665,"end":3184.74,"sentiment":"neutral","sentiment_score":-0.0033399065490812064},{"text":"Yeah.","start":3185.7,"end":3185.94,"sentiment":"neutral","sentiment_score":0.015168840065598488}],"sentiment":"neutral","sentiment_score":-0.10145024588363695,"num_words":29,"start":3174.425,"end":3185.94},{"sentences":[{"text":"I've got a Toyota Kluger two thousand 18 or 17.","start":3185.94,"end":3190.92,"sentiment":"neutral","sentiment_score":0.018473222944885494},{"text":"Yeah.","start":3192.98,"end":3193.22,"sentiment":"neutral","sentiment_score":0.06647858768701553},{"text":"It's probably probably valued at 20,000, let's say.","start":3193.22,"end":3198.04,"sentiment":"neutral","sentiment_score":0.036311552161350846},{"text":"No.","start":3202.975,"end":3203.215,"sentiment":"neutral","sentiment_score":-0.0321979895234108},{"text":"I do have a little bit of a loan on that.","start":3203.215,"end":3205.135,"sentiment":"neutral","sentiment_score":-0.014125237410718744}],"sentiment":"neutral","sentiment_score":0.01142347204468904,"num_words":31,"start":3185.94,"end":3205.135},{"sentences":[{"text":"Yeah.","start":3205.135,"end":3205.635,"sentiment":"neutral","sentiment_score":0.017170174047350883},{"text":"It's probably that amount because I know when I did the math on it, most of the insurance was well, interest I was paying in the first year or so.","start":3209.5352,"end":3223.74,"sentiment":"neutral","sentiment_score":-0.06852083404858907},{"text":"So I don't think it's gone down terribly much.","start":3224.9202,"end":3227.4202,"sentiment":"negative","sentiment_score":-0.4383922583527035},{"text":"Yeah.","start":3229.08,"end":3229.58,"sentiment":"neutral","sentiment_score":-0.019637638702988625},{"text":"About 200 a week.","start":3240.4548,"end":3241.815,"sentiment":"neutral","sentiment_score":0.006745609920471907}],"sentiment":"neutral","sentiment_score":-0.13281423048012786,"num_words":45,"start":3205.135,"end":3241.815},{"sentences":[{"text":"Yeah.","start":3241.815,"end":3242.315,"sentiment":"neutral","sentiment_score":0.026938091963529587},{"text":"Yeah.","start":3251.78,"end":3252.0999,"sentiment":"neutral","sentiment_score":0.01361566036939621},{"text":"The child support that I I pay sort of changes depending on how much I'm working as well.","start":3252.0999,"end":3260.685,"sentiment":"neutral","sentiment_score":0.008075398289495044},{"text":"But so at the moment, it's only about $300 a month, but it has gone up to $1,200 a month to last year.","start":3261.385,"end":3270.905,"sentiment":"neutral","sentiment_score":-0.027705451271132282},{"text":"So it does vary a bit.","start":3270.905,"end":3272.605,"sentiment":"neutral","sentiment_score":-0.031197663707037766}],"sentiment":"neutral","sentiment_score":-0.013030621223151684,"num_words":49,"start":3241.815,"end":3272.605},{"sentences":[{"text":"Yep.","start":3275.8198,"end":3276.22,"sentiment":"neutral","sentiment_score":0.023864366114139557},{"text":"That's it.","start":3276.22,"end":3276.96,"sentiment":"neutral","sentiment_score":0.006476792506873608},{"text":"$300?","start":3282.38,"end":3283.44,"sentiment":"neutral","sentiment_score":-0.010307462885975838},{"text":"No.","start":3289.4749,"end":3289.7148,"sentiment":"neutral","sentiment_score":-0.20356705784797668},{"text":"That's alright.","start":3289.7148,"end":3290.1948,"sentiment":"neutral","sentiment_score":-0.16531988978385925}],"sentiment":"neutral","sentiment_score":-0.07252804988196918,"num_words":7,"start":3275.8198,"end":3290.1948},{"sentences":[{"text":"I don't know.","start":3290.1948,"end":3290.515,"sentiment":"neutral","sentiment_score":-0.12708641091982523},{"text":"My reception's a little call with you without the Internet backup.","start":3290.515,"end":3293.255,"sentiment":"neutral","sentiment_score":-0.06718254698948427},{"text":"Yeah.","start":3293.395,"end":3293.895,"sentiment":"neutral","sentiment_score":-0.013600331731140614},{"text":"Yes.","start":3299.78,"end":3300.28,"sentiment":"positive","sentiment_score":0.3487693667411804},{"text":"Yeah.","start":3300.58,"end":3301.08,"sentiment":"neutral","sentiment_score":0.26431846618652344}],"sentiment":"neutral","sentiment_score":-0.030634102849837613,"num_words":17,"start":3290.1948,"end":3301.08},{"sentences":[{"text":"I haven't.","start":3315.185,"end":3315.8252,"sentiment":"neutral","sentiment_score":-0.17368388921022415},{"text":"No.","start":3315.8252,"end":3316.3052,"sentiment":"neutral","sentiment_score":-0.1743384301662445},{"text":"I yeah.","start":3316.3052,"end":3318.145,"sentiment":"neutral","sentiment_score":-0.14074478298425674},{"text":"That's all.","start":3318.145,"end":3318.885,"sentiment":"neutral","sentiment_score":-0.13136867806315422},{"text":"Yeah.","start":3321.105,"end":3321.605,"sentiment":"neutral","sentiment_score":0.017110785469412804}],"sentiment":"neutral","sentiment_score":-0.13110279315151274,"num_words":8,"start":3315.185,"end":3321.605},{"sentences":[{"text":"Yeah.","start":3323.3452,"end":3323.8452,"sentiment":"neutral","sentiment_score":-0.052753299474716187},{"text":"Yes.","start":3340.23,"end":3340.73,"sentiment":"neutral","sentiment_score":0.13114936649799347},{"text":"No.","start":3354.695,"end":3355.015,"sentiment":"neutral","sentiment_score":-0.29190492630004883},{"text":"I would never use State Trustees, to be honest with you.","start":3355.015,"end":3358.3398,"sentiment":"neutral","sentiment_score":-0.32469290088523517},{"text":"But no.","start":3359.1199,"end":3360.88,"sentiment":"neutral","sentiment_score":-0.13938013464212418}],"sentiment":"neutral","sentiment_score":-0.25399318989366293,"num_words":16,"start":3323.3452,"end":3360.88},{"sentences":[{"text":"Look.","start":3360.88,"end":3361.1199,"sentiment":"neutral","sentiment_score":-0.0840112715959549},{"text":"It's just something I've gotta do.","start":3361.1199,"end":3362.4,"sentiment":"neutral","sentiment_score":-0.08532045781612396},{"text":"So good to, yeah, to give me a prod there, and I'll have a look at that again too.","start":3362.4,"end":3367.1199,"sentiment":"neutral","sentiment_score":0.2444120904332713},{"text":"So good thoughts.","start":3367.1199,"end":3368.24,"sentiment":"positive","sentiment_score":0.4690661629041036},{"text":"Yep.","start":3368.24,"end":3368.74,"sentiment":"neutral","sentiment_score":0.23384839296340945}],"sentiment":"neutral","sentiment_score":0.18963141938050587,"num_words":30,"start":3360.88,"end":3368.74},{"sentences":[{"text":"Yeah.","start":3384.28,"end":3384.5999,"sentiment":"neutral","sentiment_score":0.058681100606918335},{"text":"At this stage.","start":3384.5999,"end":3385.3198,"sentiment":"neutral","sentiment_score":0.04415744046370188},{"text":"Yeah.","start":3385.3198,"end":3385.8198,"sentiment":"neutral","sentiment_score":0.08118493854999542},{"text":"Yep.","start":3385.88,"end":3386.38,"sentiment":"neutral","sentiment_score":0.1024923250079155},{"text":"No.","start":3428.845,"end":3429.2449,"sentiment":"neutral","sentiment_score":-0.20821520686149597}],"sentiment":"neutral","sentiment_score":0.023802211242062703,"num_words":7,"start":3384.28,"end":3429.2449},{"sentences":[{"text":"Nothing that jumps out financially with super particularly, but Yeah.","start":3429.2449,"end":3434.145,"sentiment":"neutral","sentiment_score":-0.1576100928708911},{"text":"Yeah.","start":3448.06,"end":3448.3,"sentiment":"neutral","sentiment_score":0.03810696303844452},{"text":"That that that's appropriate.","start":3448.3,"end":3449.6,"sentiment":"neutral","sentiment_score":0.06736254319548607},{"text":"Sure.","start":3450.14,"end":3450.46,"sentiment":"neutral","sentiment_score":0.0803893506526947},{"text":"It is.","start":3450.46,"end":3451.1,"sentiment":"neutral","sentiment_score":0.10558482259511948}],"sentiment":"neutral","sentiment_score":-0.05427693316919936,"num_words":18,"start":3429.2449,"end":3451.1},{"sentences":[{"text":"Yeah.","start":3451.1,"end":3451.42,"sentiment":"neutral","sentiment_score":0.1856410056352615},{"text":"Yeah.","start":3451.42,"end":3451.92,"sentiment":"positive","sentiment_score":0.3817240595817566},{"text":"No.","start":3463.695,"end":3464.195,"sentiment":"neutral","sentiment_score":-0.003414190374314785},{"text":"Not not really, Diana.","start":3464.255,"end":3465.535,"sentiment":"neutral","sentiment_score":-0.01736634853295982},{"text":"But that's that's probably all, yeah, that I'm working with.","start":3465.535,"end":3469.57,"sentiment":"neutral","sentiment_score":0.10662391632795334}],"sentiment":"neutral","sentiment_score":0.09180733199943514,"num_words":17,"start":3451.1,"end":3469.57},{"sentences":[{"text":"Yep.","start":3469.9502,"end":3470.4502,"sentiment":"neutral","sentiment_score":0.20668886601924896},{"text":"Excellent.","start":3481.205,"end":3481.705,"sentiment":"positive","sentiment_score":0.4654947519302368},{"text":"Thank you.","start":3482.0051,"end":3482.745,"sentiment":"positive","sentiment_score":0.47591453790664673},{"text":"Yeah.","start":3512.245,"end":3512.485,"sentiment":"neutral","sentiment_score":0.05186755210161209},{"text":"That's fine.","start":3512.485,"end":3513.125,"sentiment":"neutral","sentiment_score":0.07837584242224693}],"sentiment":"neutral","sentiment_score":0.2618045615298407,"num_words":7,"start":3469.9502,"end":3513.125},{"sentences":[{"text":"We could stick sort of same time on the same day.","start":3513.125,"end":3516.245,"sentiment":"neutral","sentiment_score":0.06148239767009562},{"text":"It'd be fine.","start":3516.245,"end":3516.8052,"sentiment":"neutral","sentiment_score":0.10562873383363088},{"text":"I'm sure.","start":3516.8052,"end":3517.5452,"sentiment":"neutral","sentiment_score":0.06471183151006699},{"text":"Yep.","start":3543.435,"end":3543.675,"sentiment":"neutral","sentiment_score":0.004566600080579519},{"text":"No.","start":3543.675,"end":3543.8352,"sentiment":"neutral","sentiment_score":-0.005670811049640179}],"sentiment":"neutral","sentiment_score":0.062306223773500986,"num_words":18,"start":3513.125,"end":3543.8352},{"sentences":[{"text":"That'd be fine.","start":3543.8352,"end":3544.715,"sentiment":"neutral","sentiment_score":0.031185657406846683},{"text":"Yeah.","start":3544.715,"end":3545.1152,"sentiment":"neutral","sentiment_score":0.14838722348213196},{"text":"Thanks.","start":3545.1152,"end":3545.6152,"sentiment":"positive","sentiment_score":0.351467490196228},{"text":"Okay.","start":3562.645,"end":3563.045,"sentiment":"neutral","sentiment_score":0.03749995678663254},{"text":"Actually, Danny, you might want if we put the from the October 7, we'd probably put that back from 08:00 till 09:30 or nine or something.","start":3563.045,"end":3570.7449,"sentiment":"neutral","sentiment_score":0.009559260573811255}],"sentiment":"neutral","sentiment_score":0.02748288805014454,"num_words":32,"start":3543.8352,"end":3570.7449},{"sentences":[{"text":"Just as I do, I will have the boys on that morning myself.","start":3573.4448,"end":3577.5999,"sentiment":"neutral","sentiment_score":0.036235819642360396},{"text":"Yeah.","start":3577.8198,"end":3578.3198,"sentiment":"neutral","sentiment_score":0.048582762479782104},{"text":"Oh, okay.","start":3585.0999,"end":3585.76,"sentiment":"neutral","sentiment_score":0.04657372087240219},{"text":"Yeah.","start":3595.145,"end":3595.625,"sentiment":"neutral","sentiment_score":0.08478015661239624},{"text":"That'd be fine.","start":3595.625,"end":3596.5051,"sentiment":"neutral","sentiment_score":0.12521585325400034}],"sentiment":"neutral","sentiment_score":0.053661178797483444,"num_words":20,"start":3573.4448,"end":3596.5051},{"sentences":[{"text":"Or anytime.","start":3596.5051,"end":3597.405,"sentiment":"neutral","sentiment_score":0.09776211157441139},{"text":"The earliest time's fine too on the Thursday.","start":3597.545,"end":3599.645,"sentiment":"neutral","sentiment_score":0.05657495837658644},{"text":"Yeah.","start":3599.705,"end":3600.205,"sentiment":"neutral","sentiment_score":0.0688452273607254},{"text":"Yeah.","start":3605.03,"end":3605.35,"sentiment":"neutral","sentiment_score":0.03186453506350517},{"text":"Do 08:00 my time.","start":3605.35,"end":3606.47,"sentiment":"neutral","sentiment_score":0.051659777760505676}],"sentiment":"neutral","sentiment_score":0.05971704772673547,"num_words":16,"start":3596.5051,"end":3606.47},{"sentences":[{"text":"That'd be great.","start":3606.47,"end":3607.37,"sentiment":"positive","sentiment_score":0.40887625018755597},{"text":"Yeah.","start":3614.31,"end":3614.55,"sentiment":"neutral","sentiment_score":0.009250301867723463},{"text":"Willard Finance.","start":3614.55,"end":3615.4502,"sentiment":"neutral","sentiment_score":0.021885257214307785},{"text":"Okay.","start":3625.795,"end":3626.115,"sentiment":"neutral","sentiment_score":0.29423046112060547},{"text":"Great.","start":3626.115,"end":3626.615,"sentiment":"positive","sentiment_score":0.5871698260307312}],"sentiment":"neutral","sentiment_score":0.27013123175129294,"num_words":8,"start":3606.47,"end":3626.615},{"sentences":[{"text":"Thank you, Dana.","start":3626.6748,"end":3627.575,"sentiment":"positive","sentiment_score":0.643491288026174},{"text":"Yeah.","start":3638.0999,"end":3638.42,"sentiment":"neutral","sentiment_score":0.1434507966041565},{"text":"No.","start":3638.42,"end":3638.66,"sentiment":"neutral","sentiment_score":0.1263507455587387},{"text":"Likewise.","start":3638.66,"end":3639.16,"sentiment":"neutral","sentiment_score":0.14704209566116333},{"text":"Yeah.","start":3640.02,"end":3640.5,"sentiment":"neutral","sentiment_score":0.26939642429351807}],"sentiment":"positive","sentiment_score":0.3738162751708712,"num_words":7,"start":3626.6748,"end":3640.5},{"sentences":[{"text":"Have a good day and a good trip away with with your son.","start":3640.5,"end":3643.88,"sentiment":"positive","sentiment_score":0.5123699238667121},{"text":"Okay.","start":3647.867,"end":3648.367,"sentiment":"neutral","sentiment_score":0.10494138300418854},{"text":"K.","start":3648.587,"end":3649.067,"sentiment":"neutral","sentiment_score":0.07155082374811172},{"text":"Bye, Donna.","start":3649.067,"end":3649.707,"sentiment":"neutral","sentiment_score":0.20224293321371078},{"text":"Thanks.","start":3649.707,"end":3650.207,"sentiment":"positive","sentiment_score":0.7846200466156006}],"sentiment":"positive","sentiment_score":0.4459115072256989,"num_words":18,"start":3640.5,"end":3650.207},{"sentences":[{"text":"See you later.","start":3650.747,"end":3651.467,"sentiment":"positive","sentiment_score":0.39006778597831726},{"text":"Bye.","start":3651.467,"end":3651.967,"sentiment":"neutral","sentiment_score":0.1653914749622345},{"text":"Bye.","start":3652.0269,"end":3652.5269,"sentiment":"neutral","sentiment_score":-0.0940100997686386}],"sentiment":"neutral","sentiment_score":0.24831694662570952,"num_words":5,"start":3650.747,"end":3652.5269}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Jay. This is Dana from OQ Financial. How are you this morning?\n\nChannel 1: Yeah. Good, Dana. Good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your annual review this morning. Is now\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: still\n\nChannel 1: Yeah.\n\nChannel 0: a good time there for you? Fantastic. How's everything been going for you as as of late since our last catch up?\n\nChannel 1: Yeah. Could no. No problems. Yeah. I haven't been putting a lot into super, so I've been a bit\n\nChannel 0: Yep.\n\nChannel 1: mindful about, you know, what's coming out and what fees and charges and, you know, changes in the changes in the portfolio. Yeah. But but other than that, all good.\n\nChannel 0: Fantastic. Well, I'll go through that with you today because I've had a bit of a look at things. I definitely can see some advice that can be provided to update things. It is important to update the portfolio regularly as things change, and I can see some areas that we could definitely look to update for you advice wise.\n\nChannel 1: Yep.\n\nChannel 0: Normally, I also send through your annual review documents for you to go through with me. Are you able to access your emails currently at\n\nChannel 1: Yeah. I I should be able\n\nChannel 0: all?\n\nChannel 1: to. I am in saying that we are having some work, so the power is being cut off here. And I I don't have Internet access, but I should still be able to access my emails and stuff on my phone. It's just the reception can be a little bit laggy. So\n\nChannel 0: That's okay. If\n\nChannel 1: I don't\n\nChannel 0: you can't,\n\nChannel 1: know.\n\nChannel 0: it's not an issue. I can go through things with you, update everything, and look at the advice that I wanted to sort of help you out with there. And then you're able to have a look at those documents again a little bit later on if you'd like. It's up to you.\n\nChannel 1: No. No. I've I'm just looking. I've yeah. It's a signature document, is it?\n\nOr\n\nChannel 0: That's the one. Yeah. So it's got the annual review documents in there. When you open the email there, it does ask you to click the button that says to sign, but it doesn't ask you to sign anything until you've gone through and read it all. It's just so you can move forward and review each of the documents themselves.\n\nSo\n\nChannel 1: Right.\n\nChannel 0: before\n\nChannel 1: Okay.\n\nChannel 0: I jump into the call and go through things, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yes. Of course. Yeah.\n\nChannel 0: Fantastic. And just to do security there with you as well, just to confirm your full name, your date of birth, address that I should have on file.\n\nChannel 1: Yeah. Jay Alcock, so it's\n\nChannel 0: Yep.\n\nChannel 1: the 2nd 975. And the address\n\nChannel 0: Yes.\n\nChannel 1: was\n\nChannel 0: Beautiful.\n\nChannel 1: it?\n\nChannel 0: Yes,\n\nChannel 1: Yeah.\n\nChannel 0: please. Yeah.\n\nChannel 1: Yeah. 18 Story Street, North Whantheggie, Victoria 3 Double\n\nChannel 0: Beautiful.\n\nChannel 1: oh, yeah. 3995.\n\nChannel 0: Lovely. Thank you so much for that. Now it's a when you're looking at the document there, just let me know when you can see the first one. The first one, they should say summary of superannuation and insurances.\n\nChannel 1: Yeah. I'm just looking at that now. Yep.\n\nChannel 0: You can see it. Perfect. So you've got your updated balance sitting there. We're sitting at a $185,491.51 there. Just to sort of look\n\nChannel 1: Yep.\n\nChannel 0: back at your balance this time last year, you were sitting around about a $179,961.49 there. So your balance has definitely increased with everything. When we look at over the past twelve months, the earnings and the growth within the portfolio, essentially, you've made $11,195 and $44.44 cents over the past twelve months when we consider growth and income there. So your portfolio is still working, albeit the return is a bit lower than where we sort of like it to be. Obviously, contributions are a bit lower at the moment there as well, and that's okay.\n\nThat's understandable. You go through periods of and downs within the portfolios. Every super fund, every investment has those ups and downs, but you still have come out with growth and still are moving ahead. So the growth is a little bit slower this last twelve months, but it is still moving forward. It is still continuing.\n\nAnd I've had a bit of a look, and there are some things that I'd like to be able to update for you if you'd like the advice to do so to maybe alter the portfolio, maybe replace some of the investments, and see if we can get it working a little bit harder for the next twelve months onwards for you.\n\nChannel 1: Okay. Right, Donna. Thank you.\n\nChannel 0: Yeah. That's okay. Now underneath that, you've got your insurance policy noted there as well. So your part of this and part of the things that are coming out of your super is your insurances. You've got your life cover and your TPD noted there.\n\nSo in the event of passing your current sum insured is 520,774. If we think about your level of life cover you have, if you were to say passed away today, having that benefit paid out plus your super paid out on top of that essentially gives a life benefit of $1.85, $19.01, about 706,265. Are you fairly happy and or comfortable with that level of cover that you have at the moment?\n\nChannel 1: Yeah. Absolutely. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Excellent. And then with the TBD, so total permanent incapacity, this is paid out as a lump sum or an income stream if you're unable to ever go back to work again due to permanent disability. You've got about a 195,000 sitting there, some insured. And then if you are TBD, we can also look to claim against your super.\n\nSo, essentially, it's about 380,000 worth of benefit there. Are you fairly comfortable with that? Did you wanna look at trying to review that at any at any point at the moment? Or\n\nChannel 1: No. I mean, look so just looking at how much is paid there from from my I suppose that's\n\nChannel 0: For the premiums? Yeah.\n\nChannel 1: yeah. I suppose that's one consideration, but I don't know if that drops it much. Maybe that's, yeah, just, yeah, worthwhile, I guess.\n\nChannel 0: Well,\n\nChannel 1: I I haven't\n\nChannel 0: having\n\nChannel 1: looked\n\nChannel 0: a look,\n\nChannel 1: into it to, you know, to yeah.\n\nChannel 0: no. That's okay. Well, I had a look, and my team did call and find out because you the premiums are a lot more expensive than what you'd sort of expect for the level of cover you have, and that's because you do have a a 50% loading on there, which was due to the heart palpitations on the life and TPD cover. We've spoken to a sender. They have stated that it is possible to review that.\n\nSo I'd like to just go back and see if that's reviewable and maybe go through and have that review to see if we could maybe have that loading reduced or removed from the policy, which could help to make it a bit cheaper for you.\n\nChannel 1: Yeah. Yeah. No. That's yeah. That makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I I'd still like some there, I guess. It just sort of gives insurance to to my children really, ultimately, I suppose. Yeah.\n\nChannel 0: Well, the life cover will do that for you. The TBD doesn't. That's more to pay that to yourself.\n\nChannel 1: Right.\n\nChannel 0: But what I'm sort of mentioning is with the with the loadings, it does with the 50% loading, it is making your premiums more expensive. So if we\n\nChannel 1: Yes.\n\nChannel 0: can look to maybe have that removed, that'll reduce the cost of the premiums a little bit. It doesn't change the level of cover you have. That stays exactly the same. It just helps to remove that loading off the policy, which could make the premium slightly cheaper. So what we can do is we'll just need to have a form build out.\n\nI'll find out what that is. I believe I've got it sitting in the in the file here. Might be a second just to see what that looks like, just to give you an understanding of the questions they're gonna\n\nChannel 1: Okay.\n\nChannel 0: ask because they are gonna assess your health and, quite a bit of detail there.\n\nChannel 1: Yep.\n\nChannel 0: This is a very large application. So review of loadings. So one, two, three, seven, eight, fourteen, twenty one, 23, and 24. Okay. So if we go sorry.\n\nI'm just gonna write this down so I can have a quick look at these pages for you just to kinda give you an idea of what's expected with looking at the loadings, and then I will get my team to prefill the document. We will send it to you. We will need you to probably go through and double check things that are correct and answer any of the questions. This is section one four five six seven. There's eight eight.\n\nDisclosure. That's okay. 14. Section 14 is doctor's details. So they are gonna request medical reports from the doctor in order to have the loading reassessed.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. Section 21 is asking 21 is asking about further information around family Section 23 is a medical release for them to access medical records from your doctor to be able to review that. And section 24 is, again, just authorizations authorizing them to access medical information to have the loading reviewed there.\n\nChannel 1: Yes.\n\nChannel 0: The doctor that we would have on record here, I'm if you're comfortable with me, I'm happy to have my team prefill this document as much as we possibly can, and then we can send it through to you. It'll need to be printed out and signed and returned. Are you at all able to access a printer at all, or is it better if we post the document to you?\n\nChannel 1: No. I can access it. Yeah. Yep.\n\nChannel 0: Yep. Yep. That's okay. We'll just note down the sections that are applicable for having the loading removed or reviewed, and we'll get you just to double check the information that we have on the document. If there is anything to update or have altered, just let us know.\n\nMore than happy to do so.\n\nChannel 1: Okay.\n\nChannel 0: Just going\n\nChannel 1: Yeah.\n\nChannel 0: back into your original application just to see what we had noted. It's a little bit of work to have the loading removed, but it's worthwhile if they go through and remove the loading for you. It makes the policy cheaper, so it might be worthwhile definitely doing, especially as you mentioned those heart palpitations. You haven't had those since that policy was placed in force. Everything has been really good since then.\n\nIs that changed at all?\n\nChannel 1: No. That's that's still correct. Yeah. Yep.\n\nChannel 0: Yep. Yep. Beautiful. So it's definitely worth having those loadings reviewed. If they come back and say they're not going to remove them now, at least we've tried, There's always a risk of that occurring, but, you know, the good side of it is they may come back and go, hey.\n\nYeah. Look. We've we can remove these loadings now and hopefully make the policy a bit cheaper for you, which would be only to your benefit and your super.\n\nChannel 1: Yeah. Of course. Yep.\n\nChannel 0: I've got the doctor's details. Oh, sorry. This application form is a bit long. Where are we? Information.\n\nOkay. So I've got the medical clinic or the clinic for them to utilize as KC Medical Center Craneborn. Is that still the correct medical center that they would be able to obtain those documents from in relation to the heart palpitations?\n\nChannel 1: Yeah. I'm not sure if it's there or broad, though, to be honest. Yeah. I think I was saying yeah. Of course.\n\nYeah. Doctor Humayan, it is. But I haven't been to the\n\nChannel 0: Yep.\n\nChannel 1: doctors in about twelve months, I reckon. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I I I haven't the doctor down this way, so I still go up to doctor Humayan. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah. I can't I think yeah. We could just use KC Medical Center. I I think they have some stuff on file too. So what what\n\nChannel 0: Yep.\n\nChannel 1: what's\n\nChannel 0: No.\n\nChannel 1: the\n\nChannel 0: That's\n\nChannel 1: GP\n\nChannel 0: okay.\n\nChannel 1: that it says there?\n\nChannel 0: It doesn't have a doctor noted. It just says doctor's name unknown. It's just got the medical practice there. But if they to those reports originally, that's that's on your original sender or MLC application. I do have the other one from when we did try to go through the AIA application, and that, I believe, has a different one.\n\nYeah. That one there has a Broad Oak Medical yeah. Broad Oak Medical at Craneborn East on it.\n\nChannel 1: Yes. Might be better off just using that one.\n\nChannel 0: Yep.\n\nChannel 1: The other one's too hard to get into, to be honest. And, yeah,\n\nChannel 0: Okay.\n\nChannel 1: as much as I know\n\nChannel 0: Yep.\n\nChannel 1: the doctor as well.\n\nChannel 0: Yep.\n\nChannel 1: It worked mainly, but yeah.\n\nChannel 0: That's okay. So\n\nChannel 1: Yeah.\n\nChannel 0: that'll be the broad Broad Oak Medical. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I'll I'll put that information on that application there for you. We'll get that the the insurance application sorted and prefilled for you, and then my team will email us through if you can just sort of print it out. I'll find out if they do allow it to be electronically signed. If they do, we'll be able to send it electronically for you. I just know sometimes these are preferred the wet sign.\n\nEither way, we'll find out how it can be signed. We'll send it through to you. I'll prefill it with as much information as possible. If there are any sections that we just need you to fill out for us, we will just have those noted with a little text box. And then once that's signed, we can send it back to a sender, and we can have them reassess the loadings for you to see if they can, you know, remove those for the heart palpitations and try to make your policy about 50% cheaper for you.\n\nOkay?\n\nChannel 1: Okay. Yep. Great.\n\nChannel 0: Yep. Beautiful. All good. At the moment, the policy for this year currently, you have paid around about $4,903.39. You'll see on that policy or on that document there, the top number, the $5,007.68, that's how much the insurer has received for the policy, but you do get a 15 percent discount because you're paying it out out of your super fund.\n\nSo you've only paid the bottom figure there. Okay? It's still quite\n\nChannel 1: Okay.\n\nChannel 0: a lot, but it is a little bit of a discount. So we'll take whatever discounts we can get in the short term.\n\nChannel 1: Yeah. Of course. Yep.\n\nChannel 0: Yeah. Work wise, how's everything going? Because I can see that the contributions were going into your sleep up until about July this year. Have you been working since then? Have you just dropped hours?\n\nWhat sort of have been happening work wise for\n\nChannel 1: Yeah. Well, I haven't. I I would spend a month overseas actually\n\nChannel 0: you?\n\nChannel 1: from late July till to August. And\n\nChannel 0: That's actually\n\nChannel 1: yeah.\n\nChannel 0: exciting.\n\nChannel 1: It was, yeah, family reunion in Canada. So\n\nChannel 0: Fantastic.\n\nChannel 1: yeah, catching up with some family back there. So so\n\nChannel 0: Beautiful.\n\nChannel 1: I haven't actually. I've just been going through some things in the last couple of days, last week.\n\nChannel 0: Of course.\n\nChannel 1: So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, just yep. Changes with work there. Yeah.\n\nChannel 0: Yep. Okay. Well, I'm very sorry that you're going through things. It's definitely could be very difficult. Are you still technically employed in the same role that you were?\n\nAre you planning to kinda go back and do any work? Are you looking for a new job? What's kind of on the horizon for you?\n\nChannel 1: Well, it's a bit of both, Diana, to be honest. I'm sort of yeah. I've sort of stepped down a while ago now as a supervisor, so\n\nChannel 0: Mhmm.\n\nChannel 1: that's about fourteen months.\n\nChannel 0: Yep.\n\nChannel 1: And I've just been doing some casual work here and there.\n\nChannel 0: Yep.\n\nChannel 1: So I have looked into the support sort of work role still, but I am looking at other sort of areas and a bit of a career change as well, to be honest. So\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Perfect.\n\nChannel 1: sort of watch this space a little bit. And\n\nChannel 0: I\n\nChannel 1: yeah.\n\nChannel 0: love that. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. All good. So, realistically, for me updating advice and reflecting things accurately in your circumstances, would you prefer me to keep your title as disability support worker, or what would you prefer me to keep your employment title as currently?\n\nChannel 1: Yeah. No. I think he could like that at the moment.\n\nChannel 0: That's okay. Yep. Beautiful.\n\nChannel 1: What would be the benefit to changing that being\n\nChannel 0: It's just there's no real benefit. It's more just\n\nChannel 1: sort\n\nChannel 0: me being accurate on the documentation that I provide for you.\n\nChannel 1: of\n\nChannel 0: That's all just making sure that I've got accuracy around it. Yeah.\n\nChannel 1: Yeah. Of course. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. All good. And you're also working casually at the moment. Is that right?\n\nChannel 1: I am. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Do you have any are you sort of doing a regular couple of shifts every week or so, or is it just sporadically here and there as things\n\nChannel 1: It's\n\nChannel 0: pop up as you're comfortable taking work?\n\nChannel 1: that's alright. Yeah. It's just\n\nChannel 0: Yep.\n\nChannel 1: sporadic at the moment. So\n\nChannel 0: That's okay.\n\nChannel 1: yeah. Yep. I haven't actually worked since mid July, to be honest, with the month off. And then there were some changes with the Melbourne support services. So I've just been going through that, to be honest.\n\nAnd and I'm studying as well. I'm trying to do a cert three in IT just to so that's become a bit of a priority to yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Well, congratulations on starting that set three. How are you enjoying it?\n\nChannel 1: Uh-huh. Yeah. Look. I like it. It sort of gets me thinking about things differently and things that I would\n\nChannel 0: I\n\nChannel 1: never\n\nChannel 0: love\n\nChannel 1: really\n\nChannel 0: that.\n\nChannel 1: thought about before. So, yeah, that's nice.\n\nChannel 0: Yeah.\n\nChannel 1: Nice.\n\nChannel 0: And you sorta maybe hoping to go into that IT space down the track. Is that sort of where your interest lies career wise?\n\nChannel 1: Potentially. Yeah. Potentially.\n\nChannel 0: Yeah.\n\nChannel 1: I think everything's going that way a little bit. So curiosity and maybe, you know, I don't think it's gonna, yeah, leave me wanting in any field not having that not having that skill set. So yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: possibly. I'm just not sure, yeah, what I haven't really looked too much at what sort of data help desk, you know, IT help desk and data analysis work looks like. Yep. But yeah. See how that goes.\n\nChannel 0: Yeah. Well, that's fantastic. I definitely wanna keep up to date with you and see how that's going. I know one of the things is and, look, I can speak from experience. When you work and do what you you're passionate about, you tend to not work a day in your life.\n\nI work some shocking hours, but I love what I do, and I love helping people and looking at investments and building people super and and working towards their goals. So if you find something you're passionate about, no matter how hard it is, please do hold on to that because it makes the world of difference when you go to work every day. That's for sure.\n\nChannel 1: Yeah. No. I I can agree\n\nChannel 0: Yeah.\n\nChannel 1: with that for sure.\n\nChannel 0: I think look. Looking at everything for you, you're about essentially oh, you're a little bit older than me. Not much. But, realistically, look. I'm in my forties now, and I'm feel well and truly too old to be, you know, not enjoying what I do on a regular basis.\n\nAnd and you know? So I'm sure you feel probably the same way.\n\nChannel 1: Yes. That's right. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Beautiful. Fantastic. Oh, I love\n\nChannel 1: Alright.\n\nChannel 0: that you're doing that. And how long does the set three sorta take to complete?\n\nChannel 1: Great. Well, it sort of fits self paced, but I think about twelve months. So I'm sort of, you know, I'm in the midst of the industry. So, yeah, we'll see how we go. And Yeah.\n\nYeah.\n\nChannel 0: Yeah. Perfect. I love that.\n\nChannel 1: Yeah. Thanks, Dana.\n\nChannel 0: No worries at all. All good. So the other things I do have to touch base on are things like income protection and trauma. In the past, we've touched on those, what they are, how they can provide for you. Realistically, given your current changes to work, and I do apologize, I need to be honest at times as well, because you are working casually and very sporadically at the moment, income protection's generally not on offer at the moment for insurance wise.\n\nAnd\n\nChannel 1: Yes.\n\nChannel 0: adding adding new insurances can obviously make the premiums more expensive, which I know is a big concern of yours as well. Are you wanting to look down the track maybe getting some income protection and covering\n\nChannel 1: Mhmm.\n\nChannel 0: you in that way, or are you just happy with the life and TBD and wanna save money and build wealth outside of super to cover the gap? What's your thoughts there? And if you have more questions, you can let me know. Yeah.\n\nChannel 1: Yeah. No. That's exactly right. I'm just happy with the life and TPD and and maybe not that completely. I guess once we do that, more thorough review.\n\nBut, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I'm not interested in the income protections at all. Don't\n\nChannel 0: No.\n\nChannel 1: know yet.\n\nChannel 0: That's okay. Absolutely fine. It's not a problem at all. And you because you've taken a bit of time off work, just sort of clarifying. Do you have a bit of savings that you've been able to fall back on to sort of help\n\nChannel 1: A\n\nChannel 0: been working full time and and to give you a\n\nChannel 1: little\n\nChannel 0: bit of\n\nChannel 1: bit.\n\nChannel 0: extra\n\nChannel 1: Yeah.\n\nChannel 0: expenditure? Yep. Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: So I just yeah. Just trying to yeah. Be a bit tidy and mindful with my spending\n\nChannel 0: Yep.\n\nChannel 1: there. 15. Yeah.\n\nChannel 0: Absolutely. Beautiful. And how much would you say you still have in savings just so I can update all your assets and liabilities?\n\nChannel 1: Yeah. Not not much, to be honest. Only a few thousand dollars. So,\n\nChannel 0: Okay.\n\nChannel 1: yeah, about 3,000. Yep.\n\nChannel 0: About 3,000 left. Lovely. There we go. Well, if I happen to win a lotto, I'll let you know. Promise.\n\nHaven't yet, but you never know.\n\nChannel 1: Yeah. Yes. It's all as a hub.\n\nChannel 0: Absolutely. When you think about income and I know it's probably hard to sort of determine now. We had you earning around about a 71,000 per year over the last couple of years. When you think about the fact that your casual now just taking work when when it's on offer and when you wanna take work, do you feel like there's an income that you're probably going to have earned for this year, or are you just wanting me to leave that blank for the time being? What would you say about the income aspect?\n\nChannel 1: Yeah. Maybe just leave it blank until I can sort of get out. This is from,\n\nChannel 0: Yep.\n\nChannel 1: you know, June 30 to June 30 you're talking or\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Or even this financial year, are you sort of thinking income you might take a bit more work and you might be able to make that 70 odd thousand again this year, or do you think that might be you're just not really sure what's to come that it could be up in the air?\n\nChannel 1: That's right.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I'm I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: not sure if we'll get to that to that amount, but it's\n\nChannel 0: Yep.\n\nChannel 1: possible for the financial year for sure. So\n\nChannel 0: Yep. No. That's okay. When we think about because with the employer contributions, we haven't sort of seen any employer contributions going into the super since July. I wanted to sort of look at updating the advice.\n\nAnd if you go to the next document there, you can see all the individual investments\n\nChannel 1: Mhmm.\n\nChannel 0: within your super fund. But there are a few that are a little bit down this year, so markets have been up and down with everything that's been going on globally. And a few of those investments I wanted to look at, maybe replace them. To give you a little bit of an idea of what I've been sort of thinking about doing to help you along is you've got the first investment there, the Benelong Australian Equities. Now that investment is more of an actively managed fund.\n\nWithin a portfolio, you do tend to pay a little bit more in fees to be able to have those sorts of managers in there. If you are open to, I could look at maybe removing that out because it is underperforming a little bit within your portfolio, and I could look at replacing that with a maybe a cheaper investment to lower the investment fees a little bit for you. Is that something you'd like me to look at?\n\nChannel 1: And is there yeah. Is there possibilities of still good performance with this other investment that you're alluding\n\nChannel 0: So BANALON\n\nChannel 1: to?\n\nChannel 0: yeah. With the new one, I wanted to replace BANALON with?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. So, Ben along that investment has had some underlying issues. The investment manager hasn't been able to outperform against the market, essentially, and that's what an active manager is trying to do. They're trying to buy and sell and pick investments and time the market.\n\nAnd they don't always outperform against the market. There is a bit more risk with those because you they are you know, they tend to underperform more often than not. With the other investments I'm looking at replacing it with, it's more of a passive fund. So it tracks a certain indices. It should have a bit more investments.\n\nIt might be tracking, you know, two or 500 different investments, so it provides more diversification. We'll obviously replace it if it's been performing better than what Bennelong has over the past couple of years as well. So we do look at past performance to sort of see what can be expected in the future. But, yeah, it's also cheaper. So saving on, you know, investment fees and things like that could also mean less money going out of your fund, which means more money staying in your super, which could provide benefit down the track.\n\nChannel 1: It doesn't really talk about the investment fees for that that Benelon thing. How how come it doesn't tell me the fees for that anyway?\n\nChannel 0: No. This report doesn't. This report looks at your super, how much is essentially, how much you had last year, the buyers, the sales, the market value, the income. It's an internal rate of return port, so it doesn't necessarily tell you everything has been going out. It's about what's being generated within the report as in or within the fund, essentially, how the investments have performed.\n\nYeah. But essentially,\n\nChannel 1: Yeah.\n\nChannel 0: how the investments have performed. Yeah. But if you\n\nChannel 1: So\n\nChannel 0: like, I\n\nChannel 1: we\n\nChannel 0: could\n\nChannel 1: need\n\nChannel 0: update the advice to reflect that and show you what that would look like.\n\nChannel 1: With fees of of, yeah, of those particular\n\nChannel 0: Yeah. I correlate all\n\nChannel 1: portfolios and yeah.\n\nChannel 0: yeah. Yeah. I correlate all of that as part of the advice document. If you remember back to the last advice document I did, we provide that projection table, which outlines the admin fees, investment fees, and all those sorts of things for the different portfolios that\n\nChannel 1: Yeah.\n\nChannel 0: we are recommending. Yeah. So I can do something very similar for you. I can make a recommendation on altering these investments. I'll show you your current scenarios, your current projected outcome with the current portfolio you're in, and also what I'm recommending side by side so you have that comparison in the advice document to kind of make your decision.\n\nDoes that sound like something you'd be open to?\n\nChannel 1: Yeah. Look. If it's not too much trouble, I guess it's\n\nChannel 0: No.\n\nChannel 1: sounds\n\nChannel 0: No.\n\nChannel 1: beneficial.\n\nChannel 0: That's what you pay us for. Absolutely. Definitely. Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Never too\n\nChannel 1: Yeah.\n\nChannel 0: much trouble. Absolutely.\n\nChannel 1: Alright.\n\nChannel 0: I'll\n\nChannel 1: Well, it\n\nChannel 0: do\n\nChannel 1: sounds\n\nChannel 0: that for you.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: When you said just a keyword, you said there was it was a passive sort\n\nChannel 0: Yes.\n\nChannel 1: of life changing from the Benelung to a more passive sort of\n\nChannel 0: Yep.\n\nChannel 1: diversified managed fund, I guess, we'll call it. But what does does that, is it the same sort of growth sort of structure? I know that I was sort of in that aggressive growth. When you say passive, does it sort of\n\nChannel 0: Yes.\n\nChannel 1: is it become more of a passive and sort of and what what would you call it? Conservative sort of fund or something as well?\n\nChannel 0: Yeah. I can certainly show you what that looks like. If you go to the next document for me, you've got the 2026 Vanguard index chart there.\n\nChannel 1: Or oh, yeah. Yep.\n\nChannel 0: Yeah. So this shows you how the markets have reacted over the past thirty years. So when we sort of look at different investments, and I think what you're sort of finding out is whether whether the passive investments can obtain the same sort of growth that that active managers can obtain. Is that sort of what you're asking?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Yeah. Absolutely. So with this sort of investment, this is tracking how the market has performed in different investments. So one of the things that we look at when we are investing, and there's different ways to do so, the first thing is growth and defensive investments.\n\nSo on the side here, you'll see US shares, Australian shares, international shares, and listed property. These are all growth assets. Within a portfolio, you can have actively managed managed funds like a Bannalong and Alfiniti and loads lots of other ones out there, and they are all growth assets. You can also have passive investments. And within your portfolio at the moment, you've also got the S and P 500, so the iShares S and P 500 ETF.\n\nNow that investment is still a growth investment. It still fits in this US shares and international shares spectrum. It's still a growth asset that, like, gets really good returns, but it's also a passive man passively managed fund in the way that the investment committee is just tracking the top 500 companies on The US. It's tracking the index to the S and P 500.\n\nChannel 1: What?\n\nChannel 0: That makes\n\nChannel 1: Yep.\n\nChannel 0: the investment cheaper to hold because they're not buying and selling within the investment as much. They're just tracking the industry. However, the the maker of the indices of the S and P 500, they meet every quarter, and certain companies in order to be in the S and P 500 actually have to meet a certain criteria. If a company no longer meets that criteria, they are removed from the index, and therefore, they are also moved from the S and P 500 investments that are tracking that indices. So it's kind of a flow on effect.\n\nBut the main difference between passive passively managed funds and actively managed funds is that passively managed funds are tracking a certain index or the market as a whole. There's less trading going on. And longer term, when you think about the last sort of thirty or forty years, quite often, bidding in a passively managed fund actually outperforms an active manager because an active investment manager is trying to pick and time the market. They're trying to choose what investments to buy, when to buy into them, how much to buy into them, and they're trying to outperform against the market. So they're trying to show that they're smarter than the market as a whole.\n\nThe problem\n\nChannel 1: Yeah.\n\nChannel 0: we have with people trying to trade against the market and, you know, try to outperform against the market is that 99% of what happens in the market is human emotion, and you sort of know that yourself. When you sort of look at the markets going up and down, when we see the green numbers and we see that the market's going up and we've made money, it makes us feel really good that we're doing that things are working really well, and we're happy with that. However, when the market takes a little bit of a dip, we tend to feel a little bit nervous that can you you know we don't like to see the red numbers. We don't like to see things going down. It can make us feel very nervous, especially as we get closer to accessing our super.\n\nSo that's the same as everybody else that invests. When someone sees something going down, well, I hear news that's concerning, they may start to sell. Then somebody else does the same thing. Then somebody else does the same thing, and it starts a big flow on effect. And that's where those big sales come from.\n\nIt starts\n\nChannel 1: Yes.\n\nChannel 0: where\n\nChannel 1: Yeah.\n\nChannel 0: someone or, you know, a few\n\nChannel 1: The\n\nChannel 0: people\n\nChannel 1: meteor.\n\nChannel 0: start to sell\n\nChannel 1: Yeah.\n\nChannel 0: off because, yeah, people hear things that make them concerned. They sell the investments, try and submit to take those gains that they've made. And then other people see the investment going down, and they get a bit weary and concerned, and they start to sell as well. My job is to stop you from making those sorts of sales. Because as the investment is going down,\n\nChannel 1: Mhmm.\n\nChannel 0: the more people that sell that investment, they start to submit they start to cement those losses where they're not making any money. And if you're continuously selling investments when they're decreasing in value, then well, when the market's going down, then you're never actually gonna make any money. What we try to look at doing with you is keeping you invested through those downtimes, keep those contributions going in when they are. And it's not just the contributions. It's also the income.\n\nSo the investments that we invest you in, they produce dividends. Those dividends are paid into your cash account and reinvested back into your portfolio, and that also helps with the compounding effect of reinvesting. And income is still a good a good way to produce growth and keep your super working harder even when you're maybe not working or not getting contributions. So your super still can work, albeit contributions are still better to put in there to help it along. But when it isn't getting contributions for a time, as long as you're able to get income on a regular basis and reinvest that income, your super can still work and grow.\n\nBut, essentially, we wanna stop you from sort of making those rash decisions and selling when the market is going down because we want you to hold through that time. And with your portfolio at the moment, you're in that high growth environment that generally sees when you look at this report here, that sees 90% of your super invested in US shares, Australian shares, international shares, and listed property. That's 90% in those higher risk investments that can get greater potential returns over the longer term, but do see the ups and downs in the short term, which makes us feel very nervous. And\n\nChannel 1: Yeah.\n\nChannel 0: then you also see around about 10% in low risk defensive investments. So if you look at the bottom, that's like bonds. Essentially, you'll see the bonds over the last thirty years averaged about 5.2%. It's a much smaller return, but it hasn't gone up and down as drastically. That line is fairly steady.\n\nSo you have some growth assets, some defensive in assets that makes up the risk level of your portfolio. But then the other layer to your risk level is whether you're having active managers in there, passive managers in there, or how your portfolio is structured and diversifying. So spreading your risk level across lots of different countries, different industries, different asset classes as well. Does that make sense? Do you have more questions?\n\nYou're welcome to let me know if you do.\n\nChannel 1: No. No. It makes sense. I sort of yeah. I couldn't reiterate what you said, but I'm sort of following along.\n\nThe only\n\nChannel 0: Yeah.\n\nChannel 1: question I thought with the active as opposed to passive\n\nChannel 0: Yeah.\n\nChannel 1: investments, is there more fees with active investments? I mean, if you're\n\nChannel 0: Mhmm.\n\nChannel 1: buying\n\nChannel 0: Yeah.\n\nChannel 1: and selling on the markets and what's hot and what's not, isn't there fees for all these transactions too and they would add up or\n\nChannel 0: Yeah.\n\nChannel 1: substantial?\n\nChannel 0: So the yeah. So you do that's part of the investment phase, essentially, when you're investing into a portfolio or into a manager. And that's where if you wanted to look at something a bit cheaper, I could look at keeping you in that high growth environment as long as you're still comfortable with that. And, also, just alter your portfolio so that we maybe have some cheaper investments, which might reduce your investment fees, but still provide good performance over the longer term.\n\nChannel 1: Yeah. Well, at least the investment fees are kind of significant, particularly at the moment with my contributions being lower. Maybe\n\nChannel 0: Yeah.\n\nChannel 1: that's another way to look at mitigating, you know, the costs in there,\n\nChannel 0: Yep.\n\nChannel 1: which is insurance and fees, I guess. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: just\n\nChannel 0: Absolutely. That's okay. I do have a couple of different options that\n\nChannel 1: a\n\nChannel 0: I've sort of been looking at. One of them is a wholly passive fund, which has good returns in the past. It can definitely lower your investment fees fairly significantly.\n\nChannel 1: thought.\n\nChannel 0: Or I do have a portfolio that has a little bit of active management in it. Which way would you prefer to go investment wise? Do you wanna see a little bit of active management but try to reduce fees where possible, or would you like to go full passively managed fund and try to reduce fees as much as possible? What would you prefer?\n\nChannel 1: I'd probably like to see the comparison. Like, you know, I don't know. I mean, isn't the market just warming up again? We've had a downturn and, you\n\nChannel 0: Yeah.\n\nChannel 1: know,\n\nChannel 0: The\n\nChannel 1: just\n\nChannel 0: downturn wasn't overly bad. It was only I think we only really dropped about a three percent drop. So the market is still very heavily overvalued. It's still doing quite well. We have seen the ups and downs this year, but as a whole, we're still seeing a lot of growth there.\n\nMy job as the adviser, unfortunately, is to make the recommendation and choose one of the options that suits your goals. So I don't provide the advice giving you the two different portfolios and letting you choose which one's preferable. I've gotta kind of make that recommendation for you.\n\nChannel 1: Yeah.\n\nChannel 0: I personally sort of talking from where you are. The way I sort of see things for yourself is, I mean, looking at your age at the moment, are you still wanting to access super around about 60 or 65? What is your goal there at the moment for accessing your super?\n\nChannel 1: Look. It really is going to depend once you get into that that decade of the sixties, but probably 65. I mean, there's no fees\n\nChannel 0: Yep.\n\nChannel 1: accessing it then. And, yeah, I guess,\n\nChannel 0: Yep.\n\nChannel 1: yeah, that would be ideal, wouldn't it? I think there's a big fee saving accessing it up, you know, 65 or 67. So\n\nChannel 0: Well,\n\nChannel 1: yeah.\n\nChannel 0: you can actually access super from the age of 60. As long as you are fully retired, they'll let you access all of your funds completely tax free. The\n\nChannel 1: Yes.\n\nChannel 0: alternative is 65. They'll release your funds a 100% tax free regardless of whether you're working or not. And currently, the age 67 is if you're eligible able to access the the age pension. So, realistically, you could retire from 60 onwards if you would like to. But if you're happy with 65, are you comfortable with me leaving that as your goal for the time being?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: Yep. That's okay. So just sort of talking about where things are at, I think one of the things that feels really important to you, and please correct me if I'm wrong, but it feels that the fee aspect is probably the biggest thing because you are working casually. Haven't really got contributions going, and reducing fees as much as possible feels like it's\n\nChannel 1: Well,\n\nChannel 0: more appropriate to you. Are you am I on the right track with that? Is there anything that you would alter or change or correct me if I'm wrong.\n\nChannel 1: reducing fees as opposed to something else. I think it's still that high growth I'm interested in, but then I guess\n\nChannel 0: Yeah.\n\nChannel 1: reducing fees and so forth. Yeah. I'm still interested in that high growth for a few more years anyway until\n\nChannel 0: Yeah. You\n\nChannel 1: until\n\nChannel 0: yeah.\n\nChannel 1: the\n\nChannel 0: Absolutely.\n\nChannel 1: capital seems, you know, a little bit more, you know, cautious\n\nChannel 0: Mhmm.\n\nChannel 1: for preservation. Yeah. I don't know.\n\nChannel 0: Yeah. I mean, we can\n\nChannel 1: Yeah.\n\nChannel 0: still definitely keep you in the high growth risk profile. Keep that asset allocation. That's no problem, but still reduce fees and and try to make the portfolio cheaper. I definitely have some ways that I can incorporate that for you.\n\nChannel 1: Yep.\n\nChannel 0: I'm just sort of looking at the way I sort of see things for you. And please, as I said, correct me if I'm wrong, but I feel like going in a bit more of that passive direction, lowering the risk of your portfolio as much as possible, keeping you with that high growth asset allocation, and lowering fees as much as we possibly can feels like it's more the right direction for you, especially as, you know, you're not contributing as much at the moment, but also focusing on income production within those investments, trying to get as much income out of them as possible. Am I on the right track? Is there anything you would change with that?\n\nChannel 1: Look. I mean, if I was much more savvy and spent an hour doing this a day, I would probably invest in organizations, not just the top 500 through that passive investment, but, you know, businesses that I valued or had a moral connection with ultimately, but I don't have that capacity. So I stay away from that moral compass with that. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, no. I'm happy just to I think the passive, you know, just to reiterate what you said, yeah, that passage sort of\n\nChannel 0: Investment.\n\nChannel 1: investment approach and looking at that top 500\n\nChannel 0: Yep.\n\nChannel 1: businesses and and and and less sort of buying and selling and, yeah, a bit of a fee sort of a fee mitigation\n\nChannel 0: Mhmm.\n\nChannel 1: strategy or something. Yeah.\n\nChannel 0: Yep. Absolutely. I like that. Fantastic. Well, that's what I'll sort of focus on looking at for you.\n\nI do know you sort of made mention to me that you wanna stay in that high growth environment a little bit longer. And, realistically, you absolutely can. That high growth portfolio happily suit someone who has at least eight years before accessing their super. You do have that ahead of you. It is absolutely fine.\n\nThe only set of questions I would ask just to sort of gauge your risk tolerance there is the first one here is basically asking how much risk do you think you're comfortable taking in order to get those higher potential returns. Are you comfortable taking the highest level of risk? Are you comfortable with setting a medium or moderate amount of risk or no risk knowing the returns are lower. You can go in between those if you'd like to as well. Where do you think you\n\nChannel 1: Probably\n\nChannel 0: fit\n\nChannel 1: the highest amount\n\nChannel 0: on\n\nChannel 1: of risk for\n\nChannel 0: that\n\nChannel 1: the time being.\n\nChannel 0: scale?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Absolutely. The next one here is is if we did see a large market dip in the future and your portfolio fell by, say, 20%, how do you think you might be feeling? Are you possibly taking it as a buying opportunity and putting some more money into the market? Are you a bit concerned?\n\nYou'll maybe hold and wait and call us and see what we suggest you do, or are you feeling a little bit more anxious and wanting to maybe sell the investments to cash? How do you think you might react?\n\nChannel 1: I think I was, yeah, certainly utilize. I view financial as a first thought. If I had, you know, as to within six months, a 30% drop or 20% or whatever. Yeah. I guess just to hear what's happening and yeah.\n\nChannel 0: Yep. Maybe call us. Yep.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: For sure.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: okay. Not a problem\n\nChannel 1: Yeah.\n\nChannel 0: at all. And the last one here is seeing market drop. So seeing your portfolio take a bit of a dip due to what's happening globally, do you feel a bit optimistic about the investment opportunities? Are you feeling a bit cautious, concerned, or anxious about the ups and downs in the market? How do you think you might\n\nChannel 1: Sorry. What was the first part of the question?\n\nChannel 0: feel? That's okay. When you think about market dips due to what's happening globally, do you think when you see your super falling value because of what's happening so say Trump went out and tweeted something tomorrow when we saw a market dip again. Are you feeling optimistic about the investment opportunities? Are you cautious, concerned, or feeling very anxious?\n\nHow do you think you might feel?\n\nChannel 1: Probably more optimistic. I know it's just Yeah. It's just\n\nChannel 0: Yep.\n\nChannel 1: emotions as you highlighted initially. So, yeah, it wouldn't\n\nChannel 0: Yep.\n\nChannel 1: bother me at all, to be\n\nChannel 0: No.\n\nChannel 1: honest.\n\nChannel 0: That's okay. Absolutely fine. Beautiful. Fantastic. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever borrow from a bank or financial institution in order to, say, buy property?\n\nWhat do you think about that?\n\nChannel 1: Yeah. Look. I've thought about them both. I'm sure I understood it more. But yeah.\n\nYeah. I've certainly thought about it in the past.\n\nChannel 0: Yep. Yep. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Thank you for that. Now you have still scored in that high growth environment. And as I kinda may have mentioned, you've got more than ten years before you're wanting to access your super. That high growth environment does suit someone who's got about eight years.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, you are looking to try and obtain, you know, around about and this is just a risk profile return. We obviously wanna get the best we can out of our super, but, you know, compounding about a eight to 10% on a yearly basis can get you a really good position at high growth environment, and we do expect a negative a negative year around about one in every five years as an expectation. Do you still feel fairly comfortable within that sort of environment?\n\nChannel 1: I do. Yeah. Yep.\n\nChannel 0: Yeah. Beautiful. Do you have any questions about any of that at all, so far, Jay, for me?\n\nChannel 1: No. I don't. I know. No.\n\nChannel 0: No?\n\nChannel 1: Nothing\n\nChannel 0: That's\n\nChannel 1: with those\n\nChannel 0: okay.\n\nChannel 1: things. Well yeah.\n\nChannel 0: Beautiful. So just kind of looking at that last document, what I'd sort of like to do is maybe look at replacing the Bannalong. I can also see a couple of other investments in there that could definitely have a bit of an update, you know, within your portfolio that the India investment hasn't really held strong this year. It's showing a little bit down, and the government is phasing out some of those bank hybrids down the track as well. So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming investments.\n\nDoes that make sense? Are you comfortable with that? Do you have any questions at all?\n\nChannel 1: No. No. Thanks, Ben. It sounds\n\nChannel 0: That's okay.\n\nChannel 1: like a good plan. Yeah. Yeah.\n\nChannel 0: Yeah. Beautiful. Fantastic. The next login along in that pack, if you continue to scroll for me, is the Ascendant Certificate of Currency, and that just outlines a bit more detail around your insurance policy through a sender who was MLC and a\n\nChannel 1: Yep.\n\nChannel 0: bit more detail there. So we'll get that form done to review your loadings for you. Okay?\n\nChannel 1: Okay. Yep. Okay.\n\nChannel 0: Excellent. The next document along is the financial services guide for Oakview Financial, and I've given you a couple of these now. This outlines everything about who we are, what we do, and how we do it, and, obviously, the fee structure and everything moving forward there for you. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Excellent. And the last document attached is the ongoing service agreement for our services. Obviously, to be a client and have us provide financial advice and work towards your goals, you do pay us an ongoing service fee. It is 1.65% per annum. Moving forward, we will have more of a tiered structure.\n\nSo once your balance gets over that $200,000 mark, we will start to reduce the percentage down. So moving forward, essentially, once your super balance hits that 200,000, you move into the next tier down, which means your balance over 200,000 drops into the tier of one 0.1375. And then once your balance is 500,000, you drop into the next tier and so on. So each tier will have a lower percentage of fee. The idea is we wanna keep things working harder and grow, but we still also have to charge for our services as a professional advice service\n\nChannel 1: Okay.\n\nChannel 0: there. The the ongoing service fee currently because your balance is under that 200,000, it is set at that 1.65%. You've just got on the fee agreement here, the expectation of how much we will see for our services this year is $3,213.64 there. That's showing you what the expectation is for the ongoing service fee. I wanna make sure your super is working as hard as possible there.\n\nAnd in order for us to provide our services and look after everything for you, we do have to get this signed and returned. So I know there was a bit of concern around the ongoing service fees. Obviously, I wanna make sure that your super is making our fees plus additional growth on top of that. We understand that, obviously, it could be years where that doesn't happen because of how markets react over time. But if you're making enough over, you know, the longer term and seeing your balance increase, it does make the services worthwhile for you.\n\nDo you have any questions about that? Does that make sense to you? Is there anything you kind of wanted to ask me?\n\nChannel 1: No. No. That was yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That makes sense.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I guess, you know, with the overview financial services and the fees there, that was another consideration last time we spoke just about, you know, whether it was appropriate and\n\nChannel 0: Yeah. Yep.\n\nChannel 1: particularly now that I wasn't having that income that I I you know, that high income at that stage. So that will be something that I need to keep an eye on, of course, and we'll\n\nChannel 0: Yeah.\n\nChannel 1: just, you know, that, you know, that you have to do. But\n\nChannel 0: Yeah. No. That's\n\nChannel 1: it doesn't\n\nChannel 0: okay.\n\nChannel 1: mean it doesn't mean I haven't recommended Oakview to others, though, to be honest as well. So\n\nChannel 0: No. That's\n\nChannel 1: yeah.\n\nChannel 0: understandable.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: And I wanna make\n\nChannel 1: Yep.\n\nChannel 0: sure that you're getting the value out of that as well. So because\n\nChannel 1: Yeah.\n\nChannel 0: there's a lot changing and going on in your life, we'll make sure that I update this advice for you in the next few weeks, and then we'll come back and do a catch up, you know, every three to six months depending on what you're comfortable with, and we can just keep reviewing things moving forward for you. How does that sound?\n\nChannel 1: Sounds good, Dana. Thank you.\n\nChannel 0: Yep. That's okay. Not a problem at all. That is essentially all the documents in there, so you're welcome to take them back and have a good review of the documents. Once you're comfortable with doing so, I'll get you to sign and return those back just so I can move forward and provide the advice for you.\n\nI just needed to update a couple of additional things for you here as well. So when I'm looking at the advice, because you are working casually, and we're not really sure of what kind of contributions are expected in the fund over the next sort of couple of months, I'd like to update the advice and maybe consider no additional super contributions going in. That way, we can sort of look at what, you know, the expectation is around the growth need and that sort of thing with the portfolio and how that looks as a whole minus contributions. Are you comfortable with that? Is there any, you know, set amount you'd be comfortable putting in the super?\n\nWhat's your thoughts around that?\n\nChannel 1: Yeah. So you so that's just in the overview financial advice. So sort of in their spreadsheet\n\nChannel 0: Yeah.\n\nChannel 1: or whatever.\n\nChannel 0: Yeah. Because\n\nChannel 1: Yeah.\n\nChannel 0: we normally have projected projected outcomes, we normally account for your ongoing employer contributions. But because you're working very casually at the moment and there's no real set contributions going in, it does make it hard to kind of predict what those are going to be moving forward. So I sort of wanted to look at maybe not accounting for any contributions, but look at the projected out the projection table based on your current portfolio plus what we're recommending with no contributions going in. Alternatively, if you wanted to maybe look at making some contributions out of your savings, I could, you know, recommend, you know, 20 a week or 50 a fortnight or a month. Is there anything what would what do you think about that?\n\nChannel 1: Look, I think what you sort of intuitively alluded to at the start was probably the best bit to say no contributions.\n\nChannel 0: Yep.\n\nChannel 1: I am aware of putting money into super and, you know,\n\nChannel 0: Yeah.\n\nChannel 1: in all aspects that it's, you know, really important to keep doing that.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, if that changes, and it and it may very well by the next\n\nChannel 0: Yep.\n\nChannel 1: time we speak. So, yeah, we can just update it then once\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Definitely.\n\nChannel 1: Let me speak\n\nChannel 0: And\n\nChannel 1: some\n\nChannel 0: if\n\nChannel 1: more\n\nChannel 0: if\n\nChannel 1: clear.\n\nChannel 0: you do have yeah. Of course. And if if you do find that you are starting to get contributions in or taking on more regular work, if you could just let me know prior to the next call, that'd be fabulous, and I can always just go back and update that for you. It's not a problem at all. Okay?\n\nChannel 1: Yeah. No worries. Thanks, Dana.\n\nChannel 0: Excellent.\n\nChannel 1: Because that's\n\nChannel 0: That's\n\nChannel 1: all.\n\nChannel 0: okay. Not a problem at all. The other things I had here to note down was your we had two cars noted. I do apologize. I don't have it doesn't say what cars they are.\n\nBut your car, one of them was valued at 10,000 last year. With your vehicles, which one would you value at 10,000, and what kind of car is it?\n\nChannel 1: I've only got one car, so that I I think that\n\nChannel 0: Yep.\n\nChannel 1: must be quite out of date there.\n\nChannel 0: Let's get rid of\n\nChannel 1: Let\n\nChannel 0: that.\n\nChannel 1: me\n\nChannel 0: That's absolutely\n\nChannel 1: show that.\n\nChannel 0: fine.\n\nChannel 1: Yeah. That's the Pajero\n\nChannel 0: Yeah.\n\nChannel 1: or something.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I've got a Toyota Kluger two\n\nChannel 0: Yep.\n\nChannel 1: thousand 18 or 17.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. It's probably probably valued at 20,000, let's say.\n\nChannel 0: Yep. Beautiful. And do you have a loan on that vehicle, or is it owned outright?\n\nChannel 1: No. I do have a little bit of a loan on that. Yeah.\n\nChannel 0: Okay. I think that's the one we had last year. We had about 19,000\n\nChannel 1: It's\n\nChannel 0: owing on it. How much do you owe on the car now?\n\nChannel 1: probably that amount because I know when I did the math on it, most of the insurance was well, interest I was paying in the first year or so.\n\nChannel 0: Yeah.\n\nChannel 1: So I don't think it's gone down terribly much.\n\nChannel 0: Nope.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. I've got your savings noted down here, and you're renting where you are currently at the moment. How much rent are you paying on a weekly or fortnightly basis?\n\nChannel 1: About 200 a week. Yeah.\n\nChannel 0: 200 per week. Beautiful. And is there any other assets or liabilities or anything else you would not wanna note down on here?\n\nChannel 1: Yeah. The child support that I I pay sort of changes depending on how much I'm working as well.\n\nChannel 0: Yep.\n\nChannel 1: But so at the moment, it's only about $300 a month, but it has gone up to $1,200 a month to last year. So it does vary a bit.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: Yep. That's\n\nChannel 0: How much\n\nChannel 1: it.\n\nChannel 0: are you paying at the moment? I'm so sorry, Jay. The phone just cut out a little bit. How much are you paying per month at the moment?\n\nChannel 1: $300?\n\nChannel 0: 300. Perfect. I'm so sorry. I was trying to hear what what it was, and I missed it. I'm so sorry about that.\n\nChannel 1: No. That's alright. I don't know. My reception's\n\nChannel 0: Per\n\nChannel 1: a little\n\nChannel 0: month.\n\nChannel 1: call with you without the Internet backup. Yeah.\n\nChannel 0: No. That's okay. Look. We've done well. We've kept it going through the entire time.\n\nIt's fantastic. It's\n\nChannel 1: Yes.\n\nChannel 0: fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And I've just also got down here that we don't have you haven't had a will or power of attorney drawn up with a solicitor. Have you thought more about doing that since our last conversation, speaking to a solicitor, having a will, power of attorney, and things drawn up?\n\nChannel 1: I haven't. No. I\n\nChannel 0: No.\n\nChannel 1: yeah. That's all.\n\nChannel 0: No. That's okay. It is definitely\n\nChannel 1: Yeah.\n\nChannel 0: something to consider doing. Yeah. Just\n\nChannel 1: Yeah.\n\nChannel 0: making sure that, you know, if anything happened to you, that everything you've worked hard for, I know it doesn't feel like a lot, but when you think about your savings account, your cars, any family heirlooms, or things that you own that you might want directed to a certain person, having your will drawn up can do that for you. There\n\nChannel 1: Yes.\n\nChannel 0: are also state trustees that can drop wills online or over the phone just as easily. I can find out the information in regards to your state if you like and email that through to you just as a bit of a general email. Would you like that information?\n\nChannel 1: No. I would never use State Trustees, to be\n\nChannel 0: No.\n\nChannel 1: honest with\n\nChannel 0: That's\n\nChannel 1: you.\n\nChannel 0: okay.\n\nChannel 1: But no. Look. It's just something I've gotta do. So good to,\n\nChannel 0: Yep.\n\nChannel 1: yeah, to give me a prod there, and I'll have a look at that again too. So good thoughts. Yep.\n\nChannel 0: Absolutely. And I've got your beneficiary nominations on your super and your life insurance. So 50% paid to Dylan and Toby in the event that anything happens to split to both your children. Is that still how you want that set up?\n\nChannel 1: Yeah. At this stage. Yeah. Yep.\n\nChannel 0: Yep. Yep. Absolutely. Perfect. Well, that's basically everything there.\n\nThank you so much for your time. The only other thing I sorta wanted to touch base on, I'm looking at, you know, your retirement age at age 65 currently. From everything we've discussed, we'll go back and review the super, remove any underperforming investors, and look at updating things, reducing fees within the portfolio a bit, look at no additional contributions into the fund, and look at what that can do moving forward to assist you. You're happy with your life and TPD, not wanting to look at any additional insurances at the moment. Is there any other goals in the short term or medium term that you wanted me to sort of note down for you?\n\nOr\n\nChannel 1: No. Nothing that jumps out\n\nChannel 0: no?\n\nChannel 1: financially with super particularly, but\n\nChannel 0: No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. I've I've put down here that you are continuing to study and in the medium term looking to, you know, possibly have a career change. Obviously, we can't provide advice around that currently, but is that something that yeah. That's sort of still a medium\n\nChannel 1: Yeah. That\n\nChannel 0: term goal\n\nChannel 1: that that's\n\nChannel 0: there for\n\nChannel 1: appropriate.\n\nChannel 0: you?\n\nChannel 1: Sure.\n\nChannel 0: Yeah.\n\nChannel 1: It is. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Lovely. Is there anything else that you might sorta have down that you might wanna know as a goal? Doesn't have to be financial. It can be anything at all.\n\nChannel 1: No. Not not really,\n\nChannel 0: No.\n\nChannel 1: Diana. But that's\n\nChannel 0: That's\n\nChannel 1: that's\n\nChannel 0: okay.\n\nChannel 1: probably all, yeah, that\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: I'm working with. Yep.\n\nChannel 0: Beautiful. Not a problem. And in the short term, we'll get that form done up for the insurer for a sender there to see if we can have that loading re reviewed for you as well. Okay?\n\nChannel 1: Excellent. Thank you.\n\nChannel 0: No problem at all. Thank you so much for your time this morning, Jay. I really appreciate it. I want to bring your annual review forward, really look at things for you and update the advice. I know you you have had some concerns over the past, so I wanna make sure that we're supporting you and alleviating those where possible.\n\nI will book you in now to go through that advice document in a couple of weeks there. Do you know sort of what the calendar might look like? Are you happy with me rebooking that time now for you in a few weeks?\n\nChannel 1: Yeah. That's fine. We could stick\n\nChannel 0: Yep.\n\nChannel 1: sort of same time on the same day. It'd be fine. I'm sure.\n\nChannel 0: Yeah. Absolutely. So now I am taking a little bit of a break. I'm so sorry. I'm taking my son away in the next two weeks, but I will be back early so the last week of September, early October.\n\nJust looking at the time frame to do the research for you. I could book you in on Wednesday, October 7. Would that be okay that we do the same time, 08:00 in the morning to go through the advice?\n\nChannel 1: Yep. No. That'd be fine. Yeah. Thanks.\n\nChannel 0: Fantastic. I'll add a little text message reminder there for your day. So it does remind you on the or the day before that, I'll be giving you a call. If anything does come up, please do let me know. Not a problem at all.\n\nAnd in the meantime, I'll go and do that research and update the advice, and we'll go through things to reflect. Okay?\n\nChannel 1: Okay. Actually, Danny, you might want if we put the from the October 7, we'd probably put that back from 08:00 till 09:30 or nine or something.\n\nChannel 0: Yep.\n\nChannel 1: Just as I do, I will have the boys on that morning\n\nChannel 0: So\n\nChannel 1: myself.\n\nChannel 0: oh,\n\nChannel 1: Yeah.\n\nChannel 0: okay. No. Not a problem. That'll actually be 10:10 thirty my time, which I do have an appointment already booked for. Could I maybe\n\nChannel 1: Oh,\n\nChannel 0: make\n\nChannel 1: okay.\n\nChannel 0: it the no. That's okay. Could I maybe make it the the the Thursday morning instead? And I could happily do the the later time for you.\n\nChannel 1: Yeah. That'd be fine. Or anytime. The earliest time's fine too\n\nChannel 0: Yep.\n\nChannel 1: on the Thursday. Yeah.\n\nChannel 0: That's okay. And did you did you want 08:00 your time? Or\n\nChannel 1: Yeah. Do 08:00 my time. That'd be great.\n\nChannel 0: yep. Beautiful. That's 09:00 my time. So I'll pop that in there for you. Sorry about that.\n\nDaylight savings will have started at that time, so\n\nChannel 1: Yeah. Willard\n\nChannel 0: we're\n\nChannel 1: Finance.\n\nChannel 0: back to it. Beautiful. I've booked that one in for you. I'll send a text message reminder so it'll let you know that I'm calling. If anything does come up, you're welcome to let me know.\n\nOkay?\n\nChannel 1: Okay. Great. Thank you, Dana.\n\nChannel 0: My pleasure. Thank you so much, Jay. I'll just get you to review those documents in there, and then when you're comfortable to get you to sign and return the annual review documents back to me. I really appreciate your time today.\n\nChannel 1: Yeah. No. Likewise. Yeah.\n\nChannel 0: Easy.\n\nChannel 1: Have a good day and a good trip away with with your son.\n\nChannel 0: Thank you so much, Jay. I'll talk to you in a couple of weeks. Thank you so much.\n\nChannel 1: Okay. K. Bye, Donna.\n\nChannel 0: Thanks.\n\nChannel 1: Thanks.\n\nChannel 0: See you later.\n\nChannel 1: See you later.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.36,"end":3.86,"sentiment":"neutral","sentiment_score":0.030442047864198685}],"sentiment":"neutral","sentiment_score":0.030442047864198685,"channel":1,"num_words":1,"start":3.36,"end":3.86},{"sentences":[{"text":"Hi, Jay.","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":0.1195911094546318},{"text":"This is Dana from OQ Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.1549196094274521},{"text":"How are you this morning?","start":6.96,"end":8.1,"sentiment":"neutral","sentiment_score":0.21203650534152985}],"sentiment":"neutral","sentiment_score":0.17145249247550964,"channel":0,"num_words":13,"start":4.72,"end":8.1},{"sentences":[{"text":"Yeah.","start":8.4,"end":8.639999,"sentiment":"neutral","sentiment_score":0.22419530153274536},{"text":"Good, 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much for that.","start":157.895,"end":159.595,"sentiment":"positive","sentiment_score":0.6898695230484009},{"text":"Now it's a when you're looking at the document there, just let me know when you can see the first one.","start":159.815,"end":165.015,"sentiment":"neutral","sentiment_score":0.1389581866207577},{"text":"The first one, they should say summary of superannuation and insurances.","start":165.015,"end":168.07501,"sentiment":"neutral","sentiment_score":0.07372643392194402}],"sentiment":"neutral","sentiment_score":0.2154848501086235,"channel":0,"num_words":39,"start":157.49501,"end":168.07501},{"sentences":[{"text":"Yeah.","start":170.44,"end":170.76,"sentiment":"neutral","sentiment_score":0.04707873985171318},{"text":"I'm just looking at that 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look","start":181.52501,"end":182.32501,"sentiment":"neutral","sentiment_score":0.04791153892874718}],"sentiment":"neutral","sentiment_score":0.15354018301392594,"channel":0,"num_words":24,"start":173.01999,"end":182.32501},{"sentences":[{"text":"Yep.","start":182.12,"end":182.62,"sentiment":"neutral","sentiment_score":0.04080652818083763}],"sentiment":"neutral","sentiment_score":0.04080652818083763,"channel":1,"num_words":1,"start":182.12,"end":182.62},{"sentences":[{"text":"back at your balance this time last year, you were sitting around about a $179,961.49 there.","start":182.32501,"end":190.24501,"sentiment":"neutral","sentiment_score":0.051257344777695835},{"text":"So your balance has definitely increased with everything.","start":190.24501,"end":193.545,"sentiment":"neutral","sentiment_score":0.25574569404125214},{"text":"When we look at over the past twelve months, the earnings and the growth within the portfolio, essentially, you've made $11,195 and $44.44 cents over the past twelve months when we consider growth and income there.","start":194.03,"end":208.67,"sentiment":"neutral","sentiment_score":0.05956156603578064},{"text":"So your portfolio is still working, albeit the return is a bit lower than where we sort of like it to be.","start":208.67,"end":214.335,"sentiment":"neutral","sentiment_score":-0.10975039343942296},{"text":"Obviously, contributions are a bit lower at the moment there as well, and that's okay.","start":214.71501,"end":219.35501,"sentiment":"neutral","sentiment_score":-0.17540746082862219}],"sentiment":"neutral","sentiment_score":-0.0003641352787153008,"channel":0,"num_words":97,"start":182.32501,"end":219.35501},{"sentences":[{"text":"That's understandable.","start":219.35501,"end":220.015,"sentiment":"neutral","sentiment_score":-0.10718568414449692},{"text":"You go through periods of and downs within the portfolios.","start":220.155,"end":222.84999,"sentiment":"neutral","sentiment_score":-0.08738172426819801},{"text":"Every super fund, every investment has those ups and downs, but you still have come out with growth and still are moving ahead.","start":222.98999,"end":230.03,"sentiment":"neutral","sentiment_score":0.06595863735951159},{"text":"So the growth is a little bit slower this last twelve months, but it is still moving forward.","start":230.03,"end":234.11,"sentiment":"neutral","sentiment_score":0.009859511835707558},{"text":"It is still continuing.","start":234.11,"end":235.17,"sentiment":"neutral","sentiment_score":0.23618653789162636}],"sentiment":"neutral","sentiment_score":0.02721188443696551,"channel":0,"num_words":57,"start":219.35501,"end":235.17},{"sentences":[{"text":"And I've had a bit of a look, and there are some things that I'd like to be able to update for you if you'd like the advice to do so to maybe alter the portfolio, maybe replace some of the investments, and see if we can get it working a little bit harder for the next twelve months onwards for you.","start":236.275,"end":250.18999,"sentiment":"neutral","sentiment_score":0.015747631178988565}],"sentiment":"neutral","sentiment_score":0.015747631178988565,"channel":0,"num_words":62,"start":236.275,"end":250.18999},{"sentences":[{"text":"Okay.","start":250.57999,"end":251.07999,"sentiment":"neutral","sentiment_score":0.11059218645095824},{"text":"Right, Donna.","start":251.22,"end":251.86,"sentiment":"neutral","sentiment_score":0.1671217381954193},{"text":"Thank you.","start":251.86,"end":252.59999,"sentiment":"positive","sentiment_score":0.48624011874198914}],"sentiment":"neutral","sentiment_score":0.28346318006515503,"channel":1,"num_words":5,"start":250.57999,"end":252.59999},{"sentences":[{"text":"Yeah.","start":252.40999,"end":252.89,"sentiment":"neutral","sentiment_score":0.22954094409942627},{"text":"That's okay.","start":252.89,"end":253.79,"sentiment":"neutral","sentiment_score":0.21617506444454193},{"text":"Now underneath that, you've got your insurance policy noted there as well.","start":255.04999,"end":258.65,"sentiment":"neutral","sentiment_score":0.07225566543638706},{"text":"So your part of this and part of the things that are coming out of your super is your insurances.","start":258.65,"end":263.63,"sentiment":"neutral","sentiment_score":0.09111567083746194},{"text":"You've got your life cover and your TPD noted there.","start":264.465,"end":267.26498,"sentiment":"neutral","sentiment_score":0.07623666152358055}],"sentiment":"neutral","sentiment_score":0.0914142020046711,"channel":0,"num_words":45,"start":252.40999,"end":267.26498},{"sentences":[{"text":"So in the event of passing your current sum insured is 520,774.","start":267.26498,"end":273.84497,"sentiment":"neutral","sentiment_score":0.029116929198304813},{"text":"If we think about your level of life cover you have, if you were to say passed away today, having that benefit paid out plus your super paid out on top of that essentially gives a life benefit of $1.85, $19.01, about 706,265.","start":274.38498,"end":292.10498,"sentiment":"neutral","sentiment_score":0.048383354144387464},{"text":"Are you fairly happy and or comfortable with that level of cover that you have at the moment?","start":292.10498,"end":296.44498,"sentiment":"neutral","sentiment_score":0.032692513739069305}],"sentiment":"neutral","sentiment_score":0.04134729624508995,"channel":0,"num_words":73,"start":267.26498,"end":296.44498},{"sentences":[{"text":"Yeah.","start":297.035,"end":297.355,"sentiment":"neutral","sentiment_score":0.0803462415933609},{"text":"Absolutely.","start":297.355,"end":297.855,"sentiment":"neutral","sentiment_score":0.11828139424324036},{"text":"Yeah.","start":298.23502,"end":298.73502,"sentiment":"neutral","sentiment_score":0.0823432207107544}],"sentiment":"neutral","sentiment_score":0.09365695218245189,"channel":1,"num_words":3,"start":297.035,"end":298.73502},{"sentences":[{"text":"Yep.","start":298.82498,"end":299.32498,"sentiment":"neutral","sentiment_score":0.0969654843211174}],"sentiment":"neutral","sentiment_score":0.0969654843211174,"channel":0,"num_words":1,"start":298.82498,"end":299.32498},{"sentences":[{"text":"Yep.","start":299.035,"end":299.535,"sentiment":"neutral","sentiment_score":0.17239949107170105}],"sentiment":"neutral","sentiment_score":0.17239949107170105,"channel":1,"num_words":1,"start":299.035,"end":299.535},{"sentences":[{"text":"Fantastic.","start":299.38498,"end":299.88498,"sentiment":"positive","sentiment_score":0.498529851436615},{"text":"Excellent.","start":300.505,"end":301.005,"sentiment":"positive","sentiment_score":0.42693042755126953},{"text":"And then with the TBD, so total permanent incapacity, this is paid out as a lump sum or an income stream if you're unable to ever go back to work again due to permanent disability.","start":301.92,"end":311.22,"sentiment":"neutral","sentiment_score":-0.014074147998222283},{"text":"You've got about a 195,000 sitting there, some insured.","start":312.0,"end":315.705,"sentiment":"neutral","sentiment_score":-0.030243037682440545},{"text":"And then if you are TBD, we can also look to claim against your super.","start":315.705,"end":320.04498,"sentiment":"neutral","sentiment_score":-0.019702826191981635}],"sentiment":"neutral","sentiment_score":-0.0022108956224849968,"channel":0,"num_words":61,"start":299.38498,"end":320.04498},{"sentences":[{"text":"So, essentially, it's about 380,000 worth of benefit there.","start":320.665,"end":324.745,"sentiment":"neutral","sentiment_score":0.01603661011904478},{"text":"Are you fairly comfortable with that?","start":324.745,"end":326.26498,"sentiment":"neutral","sentiment_score":0.022357840090990067},{"text":"Did you wanna look at trying to review that at any at any point at the moment?","start":326.26498,"end":330.3,"sentiment":"neutral","sentiment_score":-0.011978649479501387},{"text":"Or","start":330.3,"end":330.8,"sentiment":"neutral","sentiment_score":-0.024736249819397926}],"sentiment":"neutral","sentiment_score":0.0015182800195885427,"channel":0,"num_words":33,"start":320.665,"end":330.8},{"sentences":[{"text":"No.","start":334.59,"end":334.83002,"sentiment":"neutral","sentiment_score":-0.10835174471139908},{"text":"I mean, look so just looking at how much is paid there from from my I suppose that's","start":334.83002,"end":345.015,"sentiment":"neutral","sentiment_score":-0.07403667353921467}],"sentiment":"neutral","sentiment_score":-0.07584272991669805,"channel":1,"num_words":19,"start":334.59,"end":345.015},{"sentences":[{"text":"For the premiums?","start":344.835,"end":345.815,"sentiment":"neutral","sentiment_score":-0.0577573428551356},{"text":"Yeah.","start":346.515,"end":347.015,"sentiment":"neutral","sentiment_score":-0.03384454548358917}],"sentiment":"neutral","sentiment_score":-0.05177914351224899,"channel":0,"num_words":4,"start":344.835,"end":347.015},{"sentences":[{"text":"yeah.","start":346.855,"end":347.255,"sentiment":"neutral","sentiment_score":-0.04079524800181389},{"text":"I suppose that's one consideration, but I don't know if that drops it much.","start":347.255,"end":351.595,"sentiment":"neutral","sentiment_score":-0.0890806256128209},{"text":"Maybe that's, yeah, just, yeah, worthwhile, I guess.","start":352.695,"end":357.68002,"sentiment":"neutral","sentiment_score":-0.003779330989345908}],"sentiment":"neutral","sentiment_score":-0.05731124584765538,"channel":1,"num_words":23,"start":346.855,"end":357.68002},{"sentences":[{"text":"Well,","start":357.635,"end":357.955,"sentiment":"neutral","sentiment_score":-0.06176852807402611}],"sentiment":"neutral","sentiment_score":-0.06176852807402611,"channel":0,"num_words":1,"start":357.635,"end":357.955},{"sentences":[{"text":"I I 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you know, to yeah.","start":358.56003,"end":361.94,"sentiment":"neutral","sentiment_score":-0.09131235522883278}],"sentiment":"neutral","sentiment_score":-0.09131235522883278,"channel":1,"num_words":7,"start":358.56003,"end":361.94},{"sentences":[{"text":"no.","start":363.03,"end":363.19,"sentiment":"neutral","sentiment_score":-0.06400582194328308},{"text":"That's okay.","start":363.19,"end":363.67,"sentiment":"positive","sentiment_score":0.48875564336776733},{"text":"Well, I had a look, and my team did call and find out because you the premiums are a lot more expensive than what you'd sort of expect for the level of cover you have, and that's because you do have a a 50% loading on there, which was due to the heart palpitations on the life and TPD cover.","start":363.67,"end":378.81497,"sentiment":"neutral","sentiment_score":-0.23979678340256214},{"text":"We've spoken to a sender.","start":379.595,"end":380.955,"sentiment":"neutral","sentiment_score":-0.0024665608070790768},{"text":"They have stated that it is possible to review that.","start":380.955,"end":384.63498,"sentiment":"neutral","sentiment_score":-0.04128040373325348}],"sentiment":"neutral","sentiment_score":-0.17819792795806932,"channel":0,"num_words":78,"start":363.03,"end":384.63498},{"sentences":[{"text":"So I'd like to just go back and see if that's reviewable and maybe go through and have that review to see if we could maybe have that loading reduced or removed from the policy, which could help to make it a bit cheaper for you.","start":384.63498,"end":398.37,"sentiment":"neutral","sentiment_score":0.04946019042931173}],"sentiment":"neutral","sentiment_score":0.04946019042931173,"channel":0,"num_words":46,"start":384.63498,"end":398.37},{"sentences":[{"text":"Yeah.","start":398.915,"end":399.395,"sentiment":"neutral","sentiment_score":0.09887373447418212},{"text":"Yeah.","start":399.395,"end":399.715,"sentiment":"neutral","sentiment_score":0.0914762020111084},{"text":"No.","start":399.715,"end":399.955,"sentiment":"neutral","sentiment_score":0.030429858714342117},{"text":"That's yeah.","start":399.955,"end":402.595,"sentiment":"neutral","sentiment_score":0.14631976932287216},{"text":"That makes sense.","start":402.595,"end":403.655,"sentiment":"neutral","sentiment_score":0.24383718768755594}],"sentiment":"neutral","sentiment_score":0.1556163621135056,"channel":1,"num_words":8,"start":398.915,"end":403.655},{"sentences":[{"text":"Yep.","start":404.35,"end":404.565,"sentiment":"neutral","sentiment_score":0.19966411590576172}],"sentiment":"neutral","sentiment_score":0.19966411590576172,"channel":0,"num_words":1,"start":404.35,"end":404.565},{"sentences":[{"text":"Yeah.","start":405.315,"end":405.79498,"sentiment":"neutral","sentiment_score":0.21530412137508392},{"text":"I I'd still like some there, I guess.","start":405.79498,"end":408.275,"sentiment":"neutral","sentiment_score":0.14958949107676744},{"text":"It just sort of gives insurance to to my children really, ultimately, I suppose.","start":408.275,"end":412.87003,"sentiment":"neutral","sentiment_score":0.14491011308772223},{"text":"Yeah.","start":413.01,"end":413.51,"sentiment":"neutral","sentiment_score":0.1757429540157318}],"sentiment":"neutral","sentiment_score":0.15068769113471112,"channel":1,"num_words":24,"start":405.315,"end":413.51},{"sentences":[{"text":"Well, the life cover will do that for you.","start":413.605,"end":416.325,"sentiment":"neutral","sentiment_score":0.20269805938005447},{"text":"The TBD doesn't.","start":416.325,"end":417.525,"sentiment":"neutral","sentiment_score":-0.09667735795180003},{"text":"That's more to pay that to yourself.","start":417.525,"end":419.225,"sentiment":"neutral","sentiment_score":-0.19198951125144958}],"sentiment":"neutral","sentiment_score":0.010017046410786478,"channel":0,"num_words":19,"start":413.605,"end":419.225},{"sentences":[{"text":"Right.","start":419.97,"end":420.47,"sentiment":"neutral","sentiment_score":0.03144018352031708}],"sentiment":"neutral","sentiment_score":0.03144018352031708,"channel":1,"num_words":1,"start":419.97,"end":420.47},{"sentences":[{"text":"But what I'm sort of mentioning is with the with the loadings, it does with the 50% loading, it is making your premiums more expensive.","start":420.44998,"end":428.22998,"sentiment":"neutral","sentiment_score":-0.20204778790473937},{"text":"So if we","start":428.44998,"end":429.49,"sentiment":"neutral","sentiment_score":-0.023944324503342312}],"sentiment":"neutral","sentiment_score":-0.1829652739688754,"channel":0,"num_words":28,"start":420.44998,"end":429.49},{"sentences":[{"text":"Yes.","start":429.435,"end":429.935,"sentiment":"neutral","sentiment_score":0.09276646375656128}],"sentiment":"neutral","sentiment_score":0.09276646375656128,"channel":1,"num_words":1,"start":429.435,"end":429.935},{"sentences":[{"text":"can look to maybe have that removed, that'll reduce the cost of the premiums a little bit.","start":429.49,"end":433.925,"sentiment":"neutral","sentiment_score":0.18125275347162695},{"text":"It doesn't change the level of cover you have.","start":433.925,"end":436.005,"sentiment":"neutral","sentiment_score":-0.0001317105359501309},{"text":"That stays exactly the same.","start":436.005,"end":437.785,"sentiment":"neutral","sentiment_score":0.20869567096233368},{"text":"It just helps to remove that loading off the policy, which could make the premium slightly cheaper.","start":438.165,"end":443.145,"sentiment":"neutral","sentiment_score":0.17204906835275538},{"text":"So what we can do is we'll just need to have a form build out.","start":444.005,"end":447.71002,"sentiment":"neutral","sentiment_score":0.11926606198151907}],"sentiment":"neutral","sentiment_score":0.14027642636072069,"channel":0,"num_words":63,"start":429.49,"end":447.71002},{"sentences":[{"text":"I'll find out what that is.","start":447.71002,"end":449.33002,"sentiment":"neutral","sentiment_score":0.10162827124198277},{"text":"I believe I've got it sitting in the in the file here.","start":449.39,"end":452.77002,"sentiment":"neutral","sentiment_score":0.06945457402616739},{"text":"Might be a second just to see what that looks like, just to give you an understanding of the questions they're gonna","start":453.95,"end":460.59003,"sentiment":"neutral","sentiment_score":0.07869380339980125}],"sentiment":"neutral","sentiment_score":0.07936220476403832,"channel":0,"num_words":40,"start":447.71002,"end":460.59003},{"sentences":[{"text":"Okay.","start":460.305,"end":460.805,"sentiment":"neutral","sentiment_score":0.024352366104722023}],"sentiment":"neutral","sentiment_score":0.024352366104722023,"channel":1,"num_words":1,"start":460.305,"end":460.805},{"sentences":[{"text":"ask because they are gonna assess your health and, quite a bit of detail there.","start":460.59003,"end":466.225,"sentiment":"neutral","sentiment_score":-0.00909430906176567}],"sentiment":"neutral","sentiment_score":-0.00909430906176567,"channel":0,"num_words":15,"start":460.59003,"end":466.225},{"sentences":[{"text":"Yep.","start":467.21,"end":467.71,"sentiment":"neutral","sentiment_score":0.04298187792301178}],"sentiment":"neutral","sentiment_score":0.04298187792301178,"channel":1,"num_words":1,"start":467.21,"end":467.71},{"sentences":[{"text":"This is a very large application.","start":470.285,"end":471.745,"sentiment":"neutral","sentiment_score":-0.1596863865852356},{"text":"So review of loadings.","start":477.08,"end":478.86,"sentiment":"neutral","sentiment_score":-0.027737515338230878},{"text":"So one, two, three, seven, eight, fourteen, twenty one, 23, and 24.","start":479.88,"end":484.06,"sentiment":"neutral","sentiment_score":0.04342355361829201},{"text":"Okay.","start":486.615,"end":487.015,"sentiment":"neutral","sentiment_score":0.011894896626472471},{"text":"So if we go sorry.","start":487.015,"end":488.535,"sentiment":"neutral","sentiment_score":-0.06402897089719772}],"sentiment":"neutral","sentiment_score":-0.030579846260869608,"channel":0,"num_words":28,"start":470.285,"end":488.535},{"sentences":[{"text":"I'm just gonna write this down so I can have a quick look at these pages for you just to kinda give you an idea of what's expected with looking at the loadings, and then I will get my team to prefill the document.","start":488.535,"end":502.182,"sentiment":"neutral","sentiment_score":0.07541243130849166},{"text":"We will send it to you.","start":502.182,"end":503.27,"sentiment":"neutral","sentiment_score":0.06457845618327458},{"text":"We will need you to probably go through and double check things that are correct and answer any of the questions.","start":503.27,"end":511.69,"sentiment":"neutral","sentiment_score":0.047144697535605656},{"text":"This is section one four five six seven.","start":513.83,"end":518.39496,"sentiment":"neutral","sentiment_score":0.009099303453695029},{"text":"There's eight eight.","start":520.135,"end":521.495,"sentiment":"neutral","sentiment_score":0.002960860806827744}],"sentiment":"neutral","sentiment_score":0.05826016308501272,"channel":0,"num_words":82,"start":488.535,"end":521.495},{"sentences":[{"text":"Disclosure.","start":521.495,"end":521.995,"sentiment":"neutral","sentiment_score":0.002154374960809946},{"text":"That's okay.","start":523.33496,"end":524.235,"sentiment":"neutral","sentiment_score":0.023801378905773163},{"text":"14.","start":526.535,"end":527.035,"sentiment":"neutral","sentiment_score":0.00735947210341692},{"text":"Section 14 is doctor's details.","start":530.05005,"end":532.13,"sentiment":"neutral","sentiment_score":0.008309610374271869},{"text":"So they are gonna request medical reports from the doctor in order to have the loading reassessed.","start":532.13,"end":538.71,"sentiment":"neutral","sentiment_score":0.007627136347924962}],"sentiment":"neutral","sentiment_score":0.008781768256225266,"channel":0,"num_words":26,"start":521.495,"end":538.71},{"sentences":[{"text":"Yep.","start":539.805,"end":540.305,"sentiment":"neutral","sentiment_score":0.06081078574061394}],"sentiment":"neutral","sentiment_score":0.06081078574061394,"channel":1,"num_words":1,"start":539.805,"end":540.305},{"sentences":[{"text":"That's okay.","start":543.33,"end":544.355,"sentiment":"neutral","sentiment_score":0.07542767375707626},{"text":"Section 21 is asking 21 is asking about further information around family Section 23 is a medical release for them to access medical records from your doctor to be able to review that.","start":545.21497,"end":582.225,"sentiment":"neutral","sentiment_score":0.023533395237543366},{"text":"And section 24 is, again, just authorizations authorizing them to access medical information to have the loading reviewed there.","start":583.005,"end":593.08,"sentiment":"neutral","sentiment_score":0.020949876916251685}],"sentiment":"neutral","sentiment_score":0.024546389847441955,"channel":0,"num_words":54,"start":543.33,"end":593.08},{"sentences":[{"text":"Yes.","start":593.555,"end":594.055,"sentiment":"neutral","sentiment_score":0.14194396138191223}],"sentiment":"neutral","sentiment_score":0.14194396138191223,"channel":1,"num_words":1,"start":593.555,"end":594.055},{"sentences":[{"text":"The doctor that we would have on record here, I'm if you're comfortable with me, I'm happy to have my team prefill this document as much as we possibly can, and then we can send it through to you.","start":593.78,"end":604.60504,"sentiment":"neutral","sentiment_score":0.3106051009052839},{"text":"It'll need to be printed out and signed and 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track maybe getting some income protection and covering","start":1296.87,"end":1300.95,"sentiment":"neutral","sentiment_score":-0.09387025212248166}],"sentiment":"neutral","sentiment_score":-0.18680197393169273,"channel":0,"num_words":37,"start":1289.695,"end":1300.95},{"sentences":[{"text":"Mhmm.","start":1300.8301,"end":1301.3301,"sentiment":"neutral","sentiment_score":-0.04290754348039627}],"sentiment":"neutral","sentiment_score":-0.04290754348039627,"channel":1,"num_words":1,"start":1300.8301,"end":1301.3301},{"sentences":[{"text":"you in that way, or are you just happy with the life and TBD and wanna save money and build wealth outside of super to cover the gap?","start":1300.95,"end":1308.79,"sentiment":"neutral","sentiment_score":0.02256808429956436},{"text":"What's your thoughts there?","start":1308.79,"end":1309.8251,"sentiment":"neutral","sentiment_score":0.008762822020798922},{"text":"And if you have more questions, you can let me 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I just yeah.","start":1345.255,"end":1346.5549,"sentiment":"neutral","sentiment_score":0.26107752695679665},{"text":"Just trying to yeah.","start":1346.615,"end":1348.955,"sentiment":"neutral","sentiment_score":0.1692979596555233},{"text":"Be a bit tidy and mindful with my 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how much would you say you still have in savings just so I can update all your assets and liabilities?","start":1355.8099,"end":1360.55,"sentiment":"neutral","sentiment_score":0.14350041285866783}],"sentiment":"neutral","sentiment_score":0.17175141721963882,"channel":0,"num_words":23,"start":1354.45,"end":1360.55},{"sentences":[{"text":"Yeah.","start":1363.2799,"end":1363.6799,"sentiment":"neutral","sentiment_score":0.02467270940542221},{"text":"Not not much, to be honest.","start":1363.6799,"end":1365.12,"sentiment":"neutral","sentiment_score":-0.06838242523372173},{"text":"Only a few thousand 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from,","start":1417.05,"end":1417.93,"sentiment":"neutral","sentiment_score":0.0022656743725140895}],"sentiment":"neutral","sentiment_score":-0.046781847486272454,"channel":1,"num_words":16,"start":1413.61,"end":1417.93},{"sentences":[{"text":"Yep.","start":1417.73,"end":1418.23,"sentiment":"neutral","sentiment_score":0.015249180607497692}],"sentiment":"neutral","sentiment_score":0.015249180607497692,"channel":0,"num_words":1,"start":1417.73,"end":1418.23},{"sentences":[{"text":"you know, June 30 to June 30 you're talking 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even this financial year, are you sort of thinking income you might take a bit more work and you might be able to make that 70 odd thousand again this year, or do you think that might be you're just not really sure what's to come that it could be up in the air?","start":1423.33,"end":1436.715,"sentiment":"neutral","sentiment_score":-0.02982057583602992}],"sentiment":"neutral","sentiment_score":-0.02982057583602992,"channel":0,"num_words":55,"start":1423.33,"end":1436.715},{"sentences":[{"text":"That's 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I'm","start":1438.565,"end":1439.125,"sentiment":"neutral","sentiment_score":0.11284712453683217}],"sentiment":"neutral","sentiment_score":0.13524460420012474,"channel":1,"num_words":4,"start":1438.085,"end":1439.125},{"sentences":[{"text":"Yep.","start":1439.05,"end":1439.55,"sentiment":"neutral","sentiment_score":0.10301518440246582}],"sentiment":"neutral","sentiment_score":0.10301518440246582,"channel":0,"num_words":1,"start":1439.05,"end":1439.55},{"sentences":[{"text":"not sure if we'll get to that to that amount, but 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sure.","start":1443.1101,"end":1445.3501,"sentiment":"neutral","sentiment_score":0.2856540892805372},{"text":"So","start":1445.3501,"end":1445.5901,"sentiment":"neutral","sentiment_score":0.1120707243680954}],"sentiment":"neutral","sentiment_score":0.26395616866648197,"channel":1,"num_words":8,"start":1443.1101,"end":1445.5901},{"sentences":[{"text":"Yep.","start":1445.8501,"end":1446.3501,"sentiment":"neutral","sentiment_score":0.09858305752277374},{"text":"No.","start":1446.41,"end":1446.5701,"sentiment":"neutral","sentiment_score":-0.02721020206809044},{"text":"That's okay.","start":1446.5701,"end":1447.39,"sentiment":"neutral","sentiment_score":0.06274896115064621},{"text":"When we think about because with the employer contributions, we haven't sort of seen any employer contributions going into the super since July.","start":1448.0901,"end":1455.855,"sentiment":"neutral","sentiment_score":-0.05760468979892523},{"text":"I wanted to sort of look at updating the 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year, so markets have been up and down with everything that's been going on globally.","start":1465.37,"end":1471.55,"sentiment":"neutral","sentiment_score":-0.14968583884614486},{"text":"And a few of those investments I wanted to look at, maybe replace them.","start":1472.17,"end":1476.03,"sentiment":"neutral","sentiment_score":-0.035457564783947806},{"text":"To give you a little bit of an idea of what I've been sort of thinking about doing to help you along is you've got the first investment there, the Benelong Australian Equities.","start":1477.05,"end":1485.8451,"sentiment":"neutral","sentiment_score":0.11295945039301207},{"text":"Now that investment is more of an actively managed fund.","start":1485.985,"end":1489.365,"sentiment":"neutral","sentiment_score":0.041998977214097975}],"sentiment":"neutral","sentiment_score":-0.004327669443393295,"channel":0,"num_words":88,"start":1463.9149,"end":1489.365},{"sentences":[{"text":"Within a portfolio, you do tend to pay a little bit more in fees to be able to have those sorts of managers in there.","start":1489.665,"end":1496.005,"sentiment":"neutral","sentiment_score":-0.008336965441703797},{"text":"If you are open to, I could look at maybe removing that out because it is underperforming a little bit within your portfolio, and I could look at replacing that with a maybe a cheaper investment to lower the investment fees a little bit for you.","start":1496.49,"end":1508.81,"sentiment":"neutral","sentiment_score":0.0006150812234567561},{"text":"Is that something you'd like me to look at?","start":1508.81,"end":1510.83,"sentiment":"neutral","sentiment_score":0.08070115952028169}],"sentiment":"neutral","sentiment_score":0.006827250448986888,"channel":0,"num_words":80,"start":1489.665,"end":1510.83},{"sentences":[{"text":"And is there yeah.","start":1513.6849,"end":1514.885,"sentiment":"neutral","sentiment_score":0.04101434908807278},{"text":"Is there possibilities of still good performance with this other investment that you're alluding","start":1514.885,"end":1520.4049,"sentiment":"neutral","sentiment_score":0.13511958026460238}],"sentiment":"neutral","sentiment_score":0.11420730666981803,"channel":1,"num_words":18,"start":1513.6849,"end":1520.4049},{"sentences":[{"text":"So BANALON","start":1519.9751,"end":1520.7151,"sentiment":"neutral","sentiment_score":0.03942037187516689}],"sentiment":"neutral","sentiment_score":0.03942037187516689,"channel":0,"num_words":2,"start":1519.9751,"end":1520.7151},{"sentences":[{"text":"to?","start":1520.4049,"end":1520.9049,"sentiment":"neutral","sentiment_score":0.03992532938718796}],"sentiment":"neutral","sentiment_score":0.03992532938718796,"channel":1,"num_words":1,"start":1520.4049,"end":1520.9049},{"sentences":[{"text":"yeah.","start":1521.415,"end":1521.915,"sentiment":"neutral","sentiment_score":0.03131873905658722},{"text":"With the new one, I wanted to replace BANALON 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tracks a certain indices.","start":1556.63,"end":1558.49,"sentiment":"neutral","sentiment_score":0.16046079496542612},{"text":"It should have a bit more investments.","start":1558.55,"end":1560.31,"sentiment":"neutral","sentiment_score":0.24332938875470841}],"sentiment":"neutral","sentiment_score":-0.1067865373472036,"channel":0,"num_words":59,"start":1542.515,"end":1560.31},{"sentences":[{"text":"It might be tracking, you know, two or 500 different investments, so it provides more diversification.","start":1560.31,"end":1564.97,"sentiment":"neutral","sentiment_score":0.24762037955224514},{"text":"We'll obviously replace it if it's been performing better than what Bennelong has over the past couple of years as well.","start":1566.275,"end":1571.7949,"sentiment":"positive","sentiment_score":0.38748970202037264},{"text":"So we do look at past performance to sort of see what can be expected in the 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they are all growth assets.","start":1775.9299,"end":1786.725,"sentiment":"neutral","sentiment_score":0.12297254094275935},{"text":"You can also have passive investments.","start":1787.0249,"end":1789.205,"sentiment":"neutral","sentiment_score":0.19110310822725296},{"text":"And within your portfolio at the moment, you've also got the S and P 500, so the iShares S and P 500 ETF.","start":1789.2649,"end":1796.8049,"sentiment":"neutral","sentiment_score":0.1484705025087232}],"sentiment":"neutral","sentiment_score":0.12648436262071888,"channel":0,"num_words":79,"start":1767.21,"end":1796.8049},{"sentences":[{"text":"Now that investment is still a growth investment.","start":1797.39,"end":1799.89,"sentiment":"positive","sentiment_score":0.33333310671150684},{"text":"It still fits in this US shares and international shares spectrum.","start":1799.9501,"end":1803.5701,"sentiment":"positive","sentiment_score":0.442014369097623},{"text":"It's still a growth asset that, like, gets really good returns, but it's also a passive man passively managed fund in the way that the investment committee is just tracking the top 500 companies on The US.","start":1803.79,"end":1817.185,"sentiment":"positive","sentiment_score":0.38347491138690226},{"text":"It's tracking the index to the S and P 500.","start":1817.185,"end":1820.005,"sentiment":"neutral","sentiment_score":0.2124778911471367}],"sentiment":"positive","sentiment_score":0.36124505373564636,"channel":0,"num_words":66,"start":1797.39,"end":1820.005},{"sentences":[{"text":"What?","start":1820.8049,"end":1821.2849,"sentiment":"neutral","sentiment_score":0.11568121612071992}],"sentiment":"neutral","sentiment_score":0.11568121612071992,"channel":1,"num_words":1,"start":1820.8049,"end":1821.2849},{"sentences":[{"text":"That makes","start":1820.9451,"end":1821.425,"sentiment":"neutral","sentiment_score":0.18945324420928955}],"sentiment":"neutral","sentiment_score":0.18945324420928955,"channel":0,"num_words":2,"start":1820.9451,"end":1821.425},{"sentences":[{"text":"Yep.","start":1821.2849,"end":1821.7849,"sentiment":"neutral","sentiment_score":0.19547173380851743}],"sentiment":"neutral","sentiment_score":0.19547173380851743,"channel":1,"num_words":1,"start":1821.2849,"end":1821.7849},{"sentences":[{"text":"the investment cheaper to hold because they're not buying and selling within the investment as much.","start":1821.425,"end":1827.01,"sentiment":"neutral","sentiment_score":0.11044725775718689},{"text":"They're just tracking the industry.","start":1827.0701,"end":1828.61,"sentiment":"neutral","sentiment_score":0.11365116387605667},{"text":"However, the the maker of the indices of the S and P 500, they meet every quarter, and certain companies in order to be in the S and P 500 actually have to meet a certain criteria.","start":1828.91,"end":1839.3301,"sentiment":"neutral","sentiment_score":0.06319531400662821},{"text":"If a company no longer meets that criteria, they are removed from the index, and therefore, they are also moved from the S and P 500 investments that are tracking that indices.","start":1840.155,"end":1849.535,"sentiment":"neutral","sentiment_score":-0.10360914084594697},{"text":"So it's kind of a flow on effect.","start":1849.8351,"end":1851.6951,"sentiment":"neutral","sentiment_score":0.17952840961515903}],"sentiment":"neutral","sentiment_score":0.028514013587668235,"channel":0,"num_words":98,"start":1821.425,"end":1851.6951},{"sentences":[{"text":"But the main difference between passive passively managed funds and actively managed funds is that passively managed funds are tracking a certain index or the market as a whole.","start":1851.83,"end":1862.81,"sentiment":"neutral","sentiment_score":0.06314429769228244},{"text":"There's less trading going on.","start":1862.95,"end":1865.05,"sentiment":"neutral","sentiment_score":-0.09313004016876221},{"text":"And longer term, when you think about the last sort of thirty or forty years, quite often, bidding in a passively managed fund actually outperforms an active manager because an active investment manager is trying to pick and time the market.","start":1866.0449,"end":1879.1649,"sentiment":"neutral","sentiment_score":0.247833156912792},{"text":"They're trying to choose what investments to buy, when to buy into them, how much to buy into them, and they're trying to outperform against the market.","start":1879.1649,"end":1886.1901,"sentiment":"neutral","sentiment_score":0.2866058150927226},{"text":"So they're trying to show that they're smarter than the market as a 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yourself.","start":1890.5901,"end":1902.5951,"sentiment":"negative","sentiment_score":-0.49555552848859835},{"text":"When you sort of look at the markets going up and down, when we see the green numbers and we see that the market's going up and we've made money, it makes us feel really good that we're doing that things are working really well, and we're happy with that.","start":1902.5951,"end":1915.1,"sentiment":"positive","sentiment_score":0.35185200199484823},{"text":"However, when the market takes a little bit of a dip, we tend to feel a little bit nervous that can you you know we don't like to see the red numbers.","start":1915.24,"end":1922.465,"sentiment":"negative","sentiment_score":-0.402316908352077},{"text":"We don't like to see things going down.","start":1922.465,"end":1924.145,"sentiment":"negative","sentiment_score":-0.5279311798512936},{"text":"It can make us feel very nervous, especially as we get closer to accessing our super.","start":1924.145,"end":1928.4049,"sentiment":"negative","sentiment_score":-0.5472001805901527}],"sentiment":"neutral","sentiment_score":-0.1881340512384971,"channel":0,"num_words":144,"start":1890.5901,"end":1928.4049},{"sentences":[{"text":"So that's the same as everybody else that invests.","start":1929.6649,"end":1932.645,"sentiment":"neutral","sentiment_score":-0.1603559081753095},{"text":"When someone sees something going down, well, I hear news that's concerning, they may start to sell.","start":1932.9,"end":1938.04,"sentiment":"neutral","sentiment_score":-0.1550526995869244},{"text":"Then somebody else does the same thing.","start":1938.26,"end":1940.02,"sentiment":"neutral","sentiment_score":-0.11887930440051216},{"text":"Then somebody else does the same thing, and it starts a big flow on effect.","start":1940.02,"end":1943.56,"sentiment":"neutral","sentiment_score":-0.009743370115756989},{"text":"And that's where those big sales come 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to sell","start":1949.505,"end":1950.145,"sentiment":"neutral","sentiment_score":-0.0007568448781967163}],"sentiment":"neutral","sentiment_score":-0.0007568448781967163,"channel":0,"num_words":3,"start":1949.505,"end":1950.145},{"sentences":[{"text":"Yeah.","start":1950.13,"end":1950.63,"sentiment":"neutral","sentiment_score":-0.010366065427660942}],"sentiment":"neutral","sentiment_score":-0.010366065427660942,"channel":1,"num_words":1,"start":1950.13,"end":1950.63},{"sentences":[{"text":"off because, yeah, people hear things that make them concerned.","start":1950.145,"end":1953.525,"sentiment":"neutral","sentiment_score":-0.04394334368407726},{"text":"They sell the investments, try and submit to take those gains that they've made.","start":1953.905,"end":1958.565,"sentiment":"neutral","sentiment_score":0.008090169302054815},{"text":"And then other people see the investment going down, and they get a bit weary and concerned, and they start to sell as well.","start":1958.705,"end":1964.7799,"sentiment":"neutral","sentiment_score":-0.25739363332589466},{"text":"My job is to stop you from making those sorts of sales.","start":1965.3999,"end":1968.7,"sentiment":"negative","sentiment_score":-0.36350611100594205},{"text":"Because as the investment is going down,","start":1969.0,"end":1971.08,"sentiment":"neutral","sentiment_score":-0.30497370873178753}],"sentiment":"neutral","sentiment_score":-0.19403742626309395,"channel":0,"num_words":67,"start":1950.145,"end":1971.08},{"sentences":[{"text":"Mhmm.","start":1970.83,"end":1971.33,"sentiment":"neutral","sentiment_score":-0.25286421179771423}],"sentiment":"neutral","sentiment_score":-0.25286421179771423,"channel":1,"num_words":1,"start":1970.83,"end":1971.33},{"sentences":[{"text":"the more people that sell that investment, they start to submit they start to cement those losses where they're not making any money.","start":1971.08,"end":1978.115,"sentiment":"negative","sentiment_score":-0.4628460679365241},{"text":"And if you're continuously selling investments when they're decreasing in value, then well, when the market's going down, then you're never actually gonna make any money.","start":1978.115,"end":1987.575,"sentiment":"neutral","sentiment_score":-0.3134736493229866},{"text":"What we try to look at doing with you is keeping you invested through those downtimes, keep those contributions going in when they are.","start":1987.7949,"end":1994.47,"sentiment":"neutral","sentiment_score":0.11417000430325668},{"text":"And it's not just the contributions.","start":1994.61,"end":1995.99,"sentiment":"neutral","sentiment_score":0.1264178641140461},{"text":"It's also the income.","start":1996.13,"end":1997.43,"sentiment":"neutral","sentiment_score":0.16049867495894432}],"sentiment":"neutral","sentiment_score":-0.17656858382095775,"channel":0,"num_words":83,"start":1971.08,"end":1997.43},{"sentences":[{"text":"So the investments that we invest you in, they produce dividends.","start":1997.5701,"end":2001.03,"sentiment":"neutral","sentiment_score":0.23383321138945493},{"text":"Those dividends are paid into your cash account and reinvested back into your portfolio, and that also helps with the compounding effect of reinvesting.","start":2001.17,"end":2010.005,"sentiment":"neutral","sentiment_score":0.2824148841900751},{"text":"And income is still a good a good way to produce growth and keep your super working harder even when you're maybe not working or not getting contributions.","start":2010.305,"end":2018.645,"sentiment":"positive","sentiment_score":0.4764257366103785},{"text":"So your super still can work, albeit contributions are still better to put 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Australian shares, international shares, and listed property.","start":2044.44,"end":2058.6199,"sentiment":"neutral","sentiment_score":0.04132271573471371},{"text":"That's 90% in those higher risk investments that can get greater potential returns over the longer term, but do see the ups and downs in the short term, which makes us feel very nervous.","start":2058.905,"end":2070.685,"sentiment":"neutral","sentiment_score":-0.17868667369817987},{"text":"And","start":2071.49,"end":2071.65,"sentiment":"neutral","sentiment_score":-0.04046742618083954}],"sentiment":"neutral","sentiment_score":-0.1094544666985582,"channel":0,"num_words":105,"start":2035.965,"end":2071.65},{"sentences":[{"text":"Yeah.","start":2071.495,"end":2071.995,"sentiment":"neutral","sentiment_score":-0.05591234192252159}],"sentiment":"neutral","sentiment_score":-0.05591234192252159,"channel":1,"num_words":1,"start":2071.495,"end":2071.995},{"sentences":[{"text":"then you also see around about 10% in low risk defensive investments.","start":2071.65,"end":2076.3098,"sentiment":"neutral","sentiment_score":-0.01664505371203025},{"text":"So if you look at the bottom, that's like bonds.","start":2076.3699,"end":2078.79,"sentiment":"neutral","sentiment_score":0.021769822295755147},{"text":"Essentially, you'll see the bonds over the last thirty years averaged about 5.2%.","start":2079.3298,"end":2084.4949,"sentiment":"neutral","sentiment_score":0.0396152504075032},{"text":"It's a much smaller return, but it hasn't gone up and down as drastically.","start":2084.635,"end":2088.9749,"sentiment":"neutral","sentiment_score":-0.011239828275782722},{"text":"That line is fairly steady.","start":2089.035,"end":2090.7349,"sentiment":"neutral","sentiment_score":0.17247095704078674}],"sentiment":"neutral","sentiment_score":0.02292505598247603,"channel":0,"num_words":54,"start":2071.65,"end":2090.7349},{"sentences":[{"text":"So you have some growth assets, some defensive in assets that makes up the risk level of your 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questions?","start":2115.305,"end":2116.505,"sentiment":"neutral","sentiment_score":0.05088173747062683}],"sentiment":"neutral","sentiment_score":0.12762167561497237,"channel":0,"num_words":74,"start":2091.4348,"end":2116.505},{"sentences":[{"text":"You're welcome to let me know if you do.","start":2116.505,"end":2118.365,"sentiment":"neutral","sentiment_score":0.2439055989185969}],"sentiment":"neutral","sentiment_score":0.2439055989185969,"channel":0,"num_words":9,"start":2116.505,"end":2118.365},{"sentences":[{"text":"No.","start":2118.615,"end":2118.855,"sentiment":"neutral","sentiment_score":-0.06696857511997223},{"text":"No.","start":2118.855,"end":2119.095,"sentiment":"neutral","sentiment_score":-0.08061951398849487},{"text":"It makes sense.","start":2119.095,"end":2119.815,"sentiment":"neutral","sentiment_score":-0.022482673327128094},{"text":"I sort of yeah.","start":2119.815,"end":2121.095,"sentiment":"neutral","sentiment_score":-0.009132504928857088},{"text":"I couldn't reiterate what you said, but I'm sort of following along.","start":2121.095,"end":2124.395,"sentiment":"neutral","sentiment_score":-0.00006937111417452495}],"sentiment":"neutral","sentiment_score":-0.01201898010358924,"channel":1,"num_words":21,"start":2118.615,"end":2124.395},{"sentences":[{"text":"The only","start":2124.535,"end":2125.2751,"sentiment":"neutral","sentiment_score":-0.013324159197509289}],"sentiment":"neutral","sentiment_score":-0.013324159197509289,"channel":1,"num_words":2,"start":2124.535,"end":2125.2751},{"sentences":[{"text":"Yeah.","start":2125.2249,"end":2125.7249,"sentiment":"neutral","sentiment_score":-0.01080853585153818}],"sentiment":"neutral","sentiment_score":-0.01080853585153818,"channel":0,"num_words":1,"start":2125.2249,"end":2125.7249},{"sentences":[{"text":"question I thought with the active as opposed to 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markets and what's hot and what's not, isn't there fees for all these transactions too and they would add up or","start":2135.1099,"end":2141.6099,"sentiment":"neutral","sentiment_score":0.0019368181191384793}],"sentiment":"neutral","sentiment_score":0.0019368181191384793,"channel":1,"num_words":25,"start":2135.1099,"end":2141.6099},{"sentences":[{"text":"Yeah.","start":2142.11,"end":2142.59,"sentiment":"neutral","sentiment_score":0.006690589245408773}],"sentiment":"neutral","sentiment_score":0.006690589245408773,"channel":0,"num_words":1,"start":2142.11,"end":2142.59},{"sentences":[{"text":"substantial?","start":2142.15,"end":2142.65,"sentiment":"neutral","sentiment_score":0.018662746995687485}],"sentiment":"neutral","sentiment_score":0.018662746995687485,"channel":1,"num_words":1,"start":2142.15,"end":2142.65},{"sentences":[{"text":"So the yeah.","start":2142.59,"end":2144.03,"sentiment":"neutral","sentiment_score":0.07517826557159424},{"text":"So you do that's part of the investment 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yeah,","start":2185.225,"end":2186.04,"sentiment":"neutral","sentiment_score":0.18271949887275696}],"sentiment":"neutral","sentiment_score":0.11058504713906182,"channel":1,"num_words":9,"start":2183.0652,"end":2186.04},{"sentences":[{"text":"Yep.","start":2185.7751,"end":2186.2751,"sentiment":"neutral","sentiment_score":0.21374928951263428}],"sentiment":"neutral","sentiment_score":0.21374928951263428,"channel":0,"num_words":1,"start":2185.7751,"end":2186.2751},{"sentences":[{"text":"just","start":2186.04,"end":2186.54,"sentiment":"neutral","sentiment_score":0.23037102818489075}],"sentiment":"neutral","sentiment_score":0.23037102818489075,"channel":1,"num_words":1,"start":2186.04,"end":2186.54},{"sentences":[{"text":"Absolutely.","start":2186.415,"end":2186.915,"sentiment":"neutral","sentiment_score":0.27718281745910645},{"text":"That's okay.","start":2187.5352,"end":2188.355,"sentiment":"positive","sentiment_score":0.3581627160310745},{"text":"I do have a couple of different options that","start":2188.6702,"end":2190.51,"sentiment":"neutral","sentiment_score":0.28229017390145195}],"sentiment":"neutral","sentiment_score":0.29450998455286026,"channel":0,"num_words":12,"start":2186.415,"end":2190.51},{"sentences":[{"text":"a","start":2190.36,"end":2190.86,"sentiment":"neutral","sentiment_score":0.26641663908958435}],"sentiment":"neutral","sentiment_score":0.26641663908958435,"channel":1,"num_words":1,"start":2190.36,"end":2190.86},{"sentences":[{"text":"I've sort of been looking at.","start":2190.51,"end":2191.87,"sentiment":"neutral","sentiment_score":0.21179533004760742},{"text":"One of them is a wholly passive fund, which has good returns in the past.","start":2191.87,"end":2196.85,"sentiment":"positive","sentiment_score":0.39479596515496573},{"text":"It can definitely lower your investment fees fairly significantly.","start":2196.99,"end":2200.1301,"sentiment":"positive","sentiment_score":0.47119926412900287}],"sentiment":"positive","sentiment_score":0.3811168278257052,"channel":0,"num_words":30,"start":2190.51,"end":2200.1301},{"sentences":[{"text":"thought.","start":2200.2,"end":2200.7,"sentiment":"neutral","sentiment_score":0.1019740030169487}],"sentiment":"neutral","sentiment_score":0.1019740030169487,"channel":1,"num_words":1,"start":2200.2,"end":2200.7},{"sentences":[{"text":"Or I do have a portfolio that has a little bit of active management in it.","start":2200.875,"end":2204.955,"sentiment":"neutral","sentiment_score":0.12516933819279075},{"text":"Which way would you prefer to go investment wise?","start":2204.955,"end":2207.515,"sentiment":"neutral","sentiment_score":0.10950399231579569},{"text":"Do you wanna see a little bit of active management but try to reduce fees where possible, or would you like to go full passively managed fund and try to reduce fees as much as possible?","start":2207.515,"end":2218.19,"sentiment":"neutral","sentiment_score":0.08569527044892311},{"text":"What would you prefer?","start":2218.25,"end":2219.31,"sentiment":"neutral","sentiment_score":0.04908435232937336}],"sentiment":"neutral","sentiment_score":0.09645557672931598,"channel":0,"num_words":65,"start":2200.875,"end":2219.31},{"sentences":[{"text":"I'd probably like to see the comparison.","start":2222.6802,"end":2224.4602,"sentiment":"neutral","sentiment_score":0.01654227091265576},{"text":"Like, you know, I don't know.","start":2224.76,"end":2226.3,"sentiment":"neutral","sentiment_score":0.0073536319347719354},{"text":"I mean, isn't the market just warming up again?","start":2226.5752,"end":2228.735,"sentiment":"neutral","sentiment_score":-0.031906661267081894},{"text":"We've had a downturn and, you","start":2228.735,"end":2233.7751,"sentiment":"neutral","sentiment_score":-0.1024114868293206}],"sentiment":"neutral","sentiment_score":-0.026489685156515667,"channel":1,"num_words":28,"start":2222.6802,"end":2233.7751},{"sentences":[{"text":"Yeah.","start":2233.7148,"end":2234.035,"sentiment":"neutral","sentiment_score":-0.07343430817127228}],"sentiment":"neutral","sentiment_score":-0.07343430817127228,"channel":0,"num_words":1,"start":2233.7148,"end":2234.035},{"sentences":[{"text":"know,","start":2233.7751,"end":2234.0952,"sentiment":"neutral","sentiment_score":-0.05084773898124695}],"sentiment":"neutral","sentiment_score":-0.05084773898124695,"channel":1,"num_words":1,"start":2233.7751,"end":2234.0952},{"sentences":[{"text":"The","start":2234.035,"end":2234.1948,"sentiment":"neutral","sentiment_score":-0.07505662739276886}],"sentiment":"neutral","sentiment_score":-0.07505662739276886,"channel":0,"num_words":1,"start":2234.035,"end":2234.1948},{"sentences":[{"text":"just","start":2234.0952,"end":2234.5952,"sentiment":"neutral","sentiment_score":-0.0966317504644394}],"sentiment":"neutral","sentiment_score":-0.0966317504644394,"channel":1,"num_words":1,"start":2234.0952,"end":2234.5952},{"sentences":[{"text":"downturn wasn't overly bad.","start":2234.1948,"end":2235.875,"sentiment":"neutral","sentiment_score":-0.11808350868523121},{"text":"It was only I think we only really dropped about a three percent drop.","start":2235.875,"end":2238.9949,"sentiment":"neutral","sentiment_score":-0.10697518661618233},{"text":"So the market is still very heavily overvalued.","start":2238.9949,"end":2241.4949,"sentiment":"neutral","sentiment_score":-0.12128542317077518},{"text":"It's still doing quite well.","start":2241.7148,"end":2242.9949,"sentiment":"neutral","sentiment_score":0.2440466672182083},{"text":"We have seen the ups and downs this year, but as a whole, we're still seeing a lot of growth there.","start":2242.9949,"end":2248.47,"sentiment":"neutral","sentiment_score":0.15879368782043457}],"sentiment":"neutral","sentiment_score":0.03105059129974017,"channel":0,"num_words":52,"start":2234.1948,"end":2248.47},{"sentences":[{"text":"My job as the adviser, unfortunately, is to make the recommendation and choose one of the options that suits your goals.","start":2249.0898,"end":2254.93,"sentiment":"neutral","sentiment_score":-0.047765380569866726},{"text":"So I don't provide the advice giving you the two different portfolios and letting you choose which one's preferable.","start":2254.93,"end":2260.6052,"sentiment":"neutral","sentiment_score":-0.15213889903143832},{"text":"I've gotta kind of make that recommendation for you.","start":2260.6052,"end":2263.5051,"sentiment":"neutral","sentiment_score":-0.05160160321328375}],"sentiment":"neutral","sentiment_score":-0.08894135719355271,"channel":0,"num_words":49,"start":2249.0898,"end":2263.5051},{"sentences":[{"text":"Yeah.","start":2263.995,"end":2264.495,"sentiment":"neutral","sentiment_score":0.04594928398728371}],"sentiment":"neutral","sentiment_score":0.04594928398728371,"channel":1,"num_words":1,"start":2263.995,"end":2264.495},{"sentences":[{"text":"I personally sort of talking from where you 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retired, they'll let you access all of your funds completely tax free.","start":2306.44,"end":2311.4648,"sentiment":"positive","sentiment_score":0.43442272808816695},{"text":"The","start":2312.005,"end":2312.1648,"sentiment":"neutral","sentiment_score":0.24587208032608032}],"sentiment":"positive","sentiment_score":0.41593494805796394,"channel":0,"num_words":29,"start":2303.48,"end":2312.1648},{"sentences":[{"text":"Yes.","start":2312.045,"end":2312.545,"sentiment":"neutral","sentiment_score":0.31906262040138245}],"sentiment":"neutral","sentiment_score":0.31906262040138245,"channel":1,"num_words":1,"start":2312.045,"end":2312.545},{"sentences":[{"text":"alternative is 65.","start":2312.1648,"end":2314.025,"sentiment":"neutral","sentiment_score":0.3113604684670766},{"text":"They'll release your funds a 100% tax free regardless of whether you're working or not.","start":2314.085,"end":2319.39,"sentiment":"neutral","sentiment_score":0.3175476451714834},{"text":"And currently, the age 67 is 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looking at the way I sort of see things for you.","start":2400.51,"end":2403.6501,"sentiment":"neutral","sentiment_score":0.21327549417813618},{"text":"And please, as I said, correct me if I'm wrong, but I feel like going in a bit more of that passive direction, lowering the risk of your portfolio as much as possible, keeping you with that high growth asset allocation, and lowering fees as much as we possibly can feels like it's more the right direction for you, especially as, you know, you're not contributing as much at the moment, but also focusing on income production within those investments, trying to get as much income out of them as possible.","start":2403.79,"end":2429.345,"sentiment":"neutral","sentiment_score":0.2664532081766443},{"text":"Am I on the right track?","start":2429.345,"end":2430.51,"sentiment":"neutral","sentiment_score":0.11062721908092499},{"text":"Is there anything you would change with 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something.","start":2483.545,"end":2484.585,"sentiment":"neutral","sentiment_score":-0.00021511875092983246},{"text":"Yeah.","start":2484.585,"end":2485.085,"sentiment":"neutral","sentiment_score":0.08140220493078232}],"sentiment":"neutral","sentiment_score":0.020189212169498205,"channel":1,"num_words":4,"start":2483.545,"end":2485.085},{"sentences":[{"text":"Yep.","start":2485.2952,"end":2485.7751,"sentiment":"neutral","sentiment_score":0.15985366702079773},{"text":"Absolutely.","start":2485.7751,"end":2486.2751,"sentiment":"positive","sentiment_score":0.410981684923172},{"text":"I like that.","start":2486.655,"end":2487.2952,"sentiment":"positive","sentiment_score":0.5646511316299438},{"text":"Fantastic.","start":2487.2952,"end":2487.7952,"sentiment":"positive","sentiment_score":0.6657005548477173},{"text":"Well, that's what I'll sort of focus on looking at for you.","start":2487.855,"end":2491.2302,"sentiment":"neutral","sentiment_score":0.2979544326663017}],"sentiment":"positive","sentiment_score":0.36144124964873,"channel":0,"num_words":18,"start":2485.2952,"end":2491.2302},{"sentences":[{"text":"I do know you sort of made mention to me that you wanna stay in that high growth environment a little bit longer.","start":2491.77,"end":2496.9702,"sentiment":"neutral","sentiment_score":0.22378384030383566},{"text":"And, realistically, you absolutely can.","start":2496.9702,"end":2498.8901,"sentiment":"neutral","sentiment_score":0.2277178943157196},{"text":"That high growth portfolio happily suit someone who has at least eight years before accessing their super.","start":2498.8901,"end":2505.355,"sentiment":"positive","sentiment_score":0.6391328766065485},{"text":"You do have that ahead of you.","start":2505.355,"end":2506.7148,"sentiment":"positive","sentiment_score":0.7763210875647408},{"text":"It is absolutely fine.","start":2506.7148,"end":2508.415,"sentiment":"positive","sentiment_score":0.8027284145355225}],"sentiment":"positive","sentiment_score":0.4606435352138111,"channel":0,"num_words":56,"start":2491.77,"end":2508.415},{"sentences":[{"text":"The only set of questions I would ask just to sort of gauge your risk tolerance there is the first one here is basically asking how much risk do you think you're comfortable taking in order to get those higher potential returns.","start":2509.1948,"end":2522.35,"sentiment":"neutral","sentiment_score":-0.0042055945932155565},{"text":"Are you comfortable taking the highest level of risk?","start":2522.8901,"end":2525.6301,"sentiment":"neutral","sentiment_score":-0.021698837478955586},{"text":"Are you comfortable with setting a medium or moderate amount of risk or no risk knowing the returns are lower.","start":2525.93,"end":2532.7048,"sentiment":"neutral","sentiment_score":-0.0424430807121098},{"text":"You can go in between those if you'd like to 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time 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think you might react?","start":2572.205,"end":2573.61,"sentiment":"neutral","sentiment_score":-0.09056196787527629}],"sentiment":"neutral","sentiment_score":-0.13727104431018233,"channel":0,"num_words":40,"start":2561.085,"end":2573.61},{"sentences":[{"text":"I think I was, yeah, certainly utilize.","start":2576.02,"end":2579.6401,"sentiment":"neutral","sentiment_score":-0.07883033049958092},{"text":"I view financial as a first thought.","start":2580.02,"end":2582.34,"sentiment":"neutral","sentiment_score":-0.07627114387495178},{"text":"If I had, you know, as to within six months, a 30% drop or 20% or whatever.","start":2582.34,"end":2589.24,"sentiment":"neutral","sentiment_score":-0.1291798182270106},{"text":"Yeah.","start":2590.625,"end":2590.945,"sentiment":"neutral","sentiment_score":-0.05383971706032753},{"text":"I guess just to hear what's happening and 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opportunities?","start":2602.8599,"end":2610.72,"sentiment":"neutral","sentiment_score":-0.026261295676231384},{"text":"Are you feeling a bit cautious, concerned, or anxious about the ups and downs in the market?","start":2610.94,"end":2615.18,"sentiment":"neutral","sentiment_score":-0.17309651129386006},{"text":"How do you think you might","start":2615.18,"end":2616.195,"sentiment":"neutral","sentiment_score":-0.04422876052558422}],"sentiment":"neutral","sentiment_score":-0.07001222963681665,"channel":0,"num_words":59,"start":2599.705,"end":2616.195},{"sentences":[{"text":"Sorry.","start":2617.385,"end":2617.625,"sentiment":"neutral","sentiment_score":-0.0567571297287941},{"text":"What was the first part of the 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concerned, or feeling very anxious?","start":2635.9102,"end":2638.6301,"sentiment":"neutral","sentiment_score":-0.19511732552200556}],"sentiment":"neutral","sentiment_score":-0.06313124944766363,"channel":0,"num_words":60,"start":2619.875,"end":2638.6301},{"sentences":[{"text":"How do you think you might feel?","start":2638.6301,"end":2640.1702,"sentiment":"neutral","sentiment_score":-0.03264749954853739}],"sentiment":"neutral","sentiment_score":-0.03264749954853739,"channel":0,"num_words":7,"start":2638.6301,"end":2640.1702},{"sentences":[{"text":"Probably more optimistic.","start":2641.18,"end":2642.3198,"sentiment":"neutral","sentiment_score":0.04815495448807875},{"text":"I know it's just Yeah.","start":2642.38,"end":2643.8398,"sentiment":"neutral","sentiment_score":0.001366170821711421},{"text":"It's just","start":2643.9,"end":2644.64,"sentiment":"neutral","sentiment_score":-0.017467922531068325}],"sentiment":"neutral","sentiment_score":0.011635987251065672,"channel":1,"num_words":10,"start":2641.18,"end":2644.64},{"sentences":[{"text":"Yep.","start":2644.885,"end":2645.385,"sentiment":"neutral","sentiment_score":-0.011467553675174711}],"sentiment":"neutral","sentiment_score":-0.011467553675174711,"channel":0,"num_words":1,"start":2644.885,"end":2645.385},{"sentences":[{"text":"emotions as you highlighted initially.","start":2645.5798,"end":2647.805,"sentiment":"neutral","sentiment_score":-0.015584078431129456},{"text":"So, yeah, it 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that?","start":2667.73,"end":2669.1902,"sentiment":"neutral","sentiment_score":-0.005911082495003939}],"sentiment":"neutral","sentiment_score":-0.005911082495003939,"channel":0,"num_words":6,"start":2667.73,"end":2669.1902},{"sentences":[{"text":"Yeah.","start":2671.0999,"end":2671.3398,"sentiment":"neutral","sentiment_score":0.009575579315423964},{"text":"Look.","start":2671.3398,"end":2671.5798,"sentiment":"neutral","sentiment_score":0.004155635833740234},{"text":"I've thought about them both.","start":2671.5798,"end":2672.94,"sentiment":"neutral","sentiment_score":-0.0025552812963724135},{"text":"I'm sure I understood it more.","start":2672.94,"end":2674.515,"sentiment":"neutral","sentiment_score":0.00460675141463677},{"text":"But 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super.","start":2687.2,"end":2691.6199,"sentiment":"neutral","sentiment_score":0.07063713502138853},{"text":"That high growth environment does suit someone who's got about eight years.","start":2691.76,"end":2695.215,"sentiment":"neutral","sentiment_score":0.1094910204410553}],"sentiment":"neutral","sentiment_score":0.1926792821192995,"channel":0,"num_words":47,"start":2683.28,"end":2695.215},{"sentences":[{"text":"Yep.","start":2696.14,"end":2696.64,"sentiment":"neutral","sentiment_score":-0.003749082563444972}],"sentiment":"neutral","sentiment_score":-0.003749082563444972,"channel":1,"num_words":1,"start":2696.14,"end":2696.64},{"sentences":[{"text":"Essentially, you are looking to try and obtain, you know, around about and this is just a risk profile return.","start":2696.175,"end":2702.735,"sentiment":"neutral","sentiment_score":-0.03309090659022331},{"text":"We obviously wanna get the best we can out of our super, but, you know, compounding about a eight to 10% on a yearly basis can get you a really good position at high growth environment, and we do expect a negative a negative year around about one in every five years as an expectation.","start":2702.735,"end":2718.0898,"sentiment":"neutral","sentiment_score":-0.05958592966198921},{"text":"Do you still feel fairly comfortable within that sort of environment?","start":2718.31,"end":2721.53,"sentiment":"neutral","sentiment_score":-0.01646676320921291}],"sentiment":"neutral","sentiment_score":-0.04790905416878157,"channel":0,"num_words":86,"start":2696.175,"end":2721.53},{"sentences":[{"text":"I 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that last document, what I'd sort of like to do is maybe look at replacing the Bannalong.","start":2733.925,"end":2739.19,"sentiment":"neutral","sentiment_score":0.0249489132395905},{"text":"I can also see a couple of other investments in there that could definitely have a bit of an update, you know, within your portfolio that the India investment hasn't really held strong this year.","start":2739.89,"end":2749.41,"sentiment":"neutral","sentiment_score":-0.014880109365497317},{"text":"It's showing a little bit down, and the government is phasing out some of those bank hybrids down the track as well.","start":2749.41,"end":2755.645,"sentiment":"neutral","sentiment_score":-0.20953194187446075},{"text":"So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming 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and I've given you a couple of these now.","start":2801.09,"end":2807.415,"sentiment":"neutral","sentiment_score":0.1500341629698163},{"text":"This outlines everything about who we are, what we do, and how we do it, and, obviously, the fee structure and everything moving forward there for you.","start":2807.415,"end":2815.2551,"sentiment":"neutral","sentiment_score":0.13493000302049848},{"text":"Okay?","start":2815.2551,"end":2815.7551,"sentiment":"neutral","sentiment_score":0.06337523460388184}],"sentiment":"neutral","sentiment_score":0.14572743117809295,"channel":0,"num_words":50,"start":2800.53,"end":2815.7551},{"sentences":[{"text":"Okay.","start":2816.1648,"end":2816.6648,"sentiment":"neutral","sentiment_score":0.08321055769920349},{"text":"Yeah.","start":2816.7249,"end":2817.2249,"sentiment":"neutral","sentiment_score":0.17836013436317444}],"sentiment":"neutral","sentiment_score":0.13078534603118896,"channel":1,"num_words":2,"start":2816.1648,"end":2817.2249},{"sentences":[{"text":"Excellent.","start":2817.655,"end":2818.155,"sentiment":"neutral","sentiment_score":0.2952389121055603},{"text":"And the last document attached is the ongoing service agreement for our 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you're welcome to take them back and have a good review of the documents.","start":2997.43,"end":3002.49,"sentiment":"positive","sentiment_score":0.38594493788221607},{"text":"Once you're comfortable with doing so, I'll get you to sign and return those back just so I can move forward and provide the advice for you.","start":3002.63,"end":3009.365,"sentiment":"positive","sentiment_score":0.39329856799708474}],"sentiment":"positive","sentiment_score":0.38623510892021246,"channel":0,"num_words":58,"start":2994.63,"end":3009.365},{"sentences":[{"text":"I just needed to update a couple of additional things for you here as well.","start":3009.985,"end":3014.325,"sentiment":"neutral","sentiment_score":0.11294369598229727},{"text":"So when I'm looking at the advice, because you are working casually, and we're not really sure of what kind of contributions are expected in the fund over the next sort of couple of months, I'd like to update the advice and maybe consider no additional super 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7, we'd probably put that back from 08:00 till 09:30 or nine or something.","start":3563.045,"end":3570.7449,"sentiment":"neutral","sentiment_score":0.009559260573811255}],"sentiment":"neutral","sentiment_score":0.010594101174286118,"channel":1,"num_words":27,"start":3562.645,"end":3570.7449},{"sentences":[{"text":"Yep.","start":3572.0251,"end":3572.5251,"sentiment":"neutral","sentiment_score":0.047498270869255066}],"sentiment":"neutral","sentiment_score":0.047498270869255066,"channel":0,"num_words":1,"start":3572.0251,"end":3572.5251},{"sentences":[{"text":"Just as I do, I will have the boys on that 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a problem.","start":3578.825,"end":3579.645,"sentiment":"neutral","sentiment_score":0.12174381564060847},{"text":"That'll actually be 10:10 thirty my time, which I do have an appointment already booked for.","start":3579.785,"end":3584.47,"sentiment":"neutral","sentiment_score":0.07071485091000795},{"text":"Could I maybe","start":3584.47,"end":3585.19,"sentiment":"neutral","sentiment_score":0.018559375467399757}],"sentiment":"neutral","sentiment_score":0.07024327591837694,"channel":0,"num_words":24,"start":3578.105,"end":3585.19},{"sentences":[{"text":"Oh,","start":3585.0999,"end":3585.26,"sentiment":"neutral","sentiment_score":0.04422722011804581}],"sentiment":"neutral","sentiment_score":0.04422722011804581,"channel":1,"num_words":1,"start":3585.0999,"end":3585.26},{"sentences":[{"text":"make","start":3585.19,"end":3585.43,"sentiment":"neutral","sentiment_score":0.04466741532087326}],"sentiment":"neutral","sentiment_score":0.04466741532087326,"channel":0,"num_words":1,"start":3585.19,"end":3585.43},{"sentences":[{"text":"okay.","start":3585.26,"end":3585.76,"sentiment":"neutral","sentiment_score":0.048920221626758575}],"sentiment":"neutral","sentiment_score":0.048920221626758575,"channel":1,"num_words":1,"start":3585.26,"end":3585.76},{"sentences":[{"text":"it the no.","start":3585.43,"end":3586.47,"sentiment":"neutral","sentiment_score":0.007880564158161482},{"text":"That's okay.","start":3586.47,"end":3586.95,"sentiment":"neutral","sentiment_score":0.059182822704315186},{"text":"Could I maybe make it the the the Thursday morning instead?","start":3586.95,"end":3592.31,"sentiment":"neutral","sentiment_score":0.07258743013847958},{"text":"And I could happily do the the later time for you.","start":3592.31,"end":3595.21,"sentiment":"neutral","sentiment_score":0.1661747843027115}],"sentiment":"neutral","sentiment_score":0.10253302580504506,"channel":0,"num_words":27,"start":3585.43,"end":3595.21},{"sentences":[{"text":"Yeah.","start":3595.145,"end":3595.625,"sentiment":"neutral","sentiment_score":0.08478015661239624},{"text":"That'd be fine.","start":3595.625,"end":3596.5051,"sentiment":"neutral","sentiment_score":0.12521585325400034},{"text":"Or anytime.","start":3596.5051,"end":3597.405,"sentiment":"neutral","sentiment_score":0.09776211157441139},{"text":"The earliest time's fine too","start":3597.545,"end":3598.825,"sentiment":"neutral","sentiment_score":0.07058252021670341}],"sentiment":"neutral","sentiment_score":0.0917149582369761,"channel":1,"num_words":11,"start":3595.145,"end":3598.825},{"sentences":[{"text":"Yep.","start":3598.775,"end":3599.275,"sentiment":"neutral","sentiment_score":0.04733685404062271}],"sentiment":"neutral","sentiment_score":0.04733685404062271,"channel":0,"num_words":1,"start":3598.775,"end":3599.275},{"sentences":[{"text":"on the Thursday.","start":3598.825,"end":3599.645,"sentiment":"neutral","sentiment_score":0.03322902197639147},{"text":"Yeah.","start":3599.705,"end":3600.205,"sentiment":"neutral","sentiment_score":0.0688452273607254}],"sentiment":"neutral","sentiment_score":0.042133073322474957,"channel":1,"num_words":4,"start":3598.825,"end":3600.205},{"sentences":[{"text":"That's okay.","start":3600.375,"end":3601.1948,"sentiment":"neutral","sentiment_score":0.09729940071702003},{"text":"And did you did you want 08:00 your time?","start":3601.655,"end":3604.2148,"sentiment":"neutral","sentiment_score":0.02281902213063505},{"text":"Or","start":3604.2148,"end":3604.7148,"sentiment":"neutral","sentiment_score":0.023120595142245293}],"sentiment":"neutral","sentiment_score":0.035257549646000065,"channel":0,"num_words":12,"start":3600.375,"end":3604.7148},{"sentences":[{"text":"Yeah.","start":3605.03,"end":3605.35,"sentiment":"neutral","sentiment_score":0.03186453506350517},{"text":"Do 08:00 my time.","start":3605.35,"end":3606.47,"sentiment":"neutral","sentiment_score":0.051659777760505676},{"text":"That'd be great.","start":3606.47,"end":3607.37,"sentiment":"positive","sentiment_score":0.40887625018755597}],"sentiment":"neutral","sentiment_score":0.18314154958352447,"channel":1,"num_words":8,"start":3605.03,"end":3607.37},{"sentences":[{"text":"yep.","start":3607.095,"end":3607.575,"sentiment":"neutral","sentiment_score":0.20305362343788147},{"text":"Beautiful.","start":3607.575,"end":3608.055,"sentiment":"positive","sentiment_score":0.4025538563728333},{"text":"That's 09:00 my time.","start":3608.055,"end":3609.335,"sentiment":"neutral","sentiment_score":0.16958049684762955},{"text":"So I'll pop that in there for you.","start":3609.335,"end":3611.1948,"sentiment":"neutral","sentiment_score":0.17913836427032948},{"text":"Sorry about that.","start":3611.3901,"end":3611.87,"sentiment":"neutral","sentiment_score":-0.08668903137246768}],"sentiment":"neutral","sentiment_score":0.14452760513214505,"channel":0,"num_words":17,"start":3607.095,"end":3611.87},{"sentences":[{"text":"Daylight savings will have started at that time, 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to it.","start":3615.1501,"end":3616.05,"sentiment":"neutral","sentiment_score":0.037055663764476776},{"text":"Beautiful.","start":3617.55,"end":3618.03,"sentiment":"positive","sentiment_score":0.6079197525978088},{"text":"I've booked that one in for you.","start":3618.03,"end":3619.31,"sentiment":"positive","sentiment_score":0.46265506744384766},{"text":"I'll send a text message reminder so it'll let you know that I'm calling.","start":3619.31,"end":3622.35,"sentiment":"neutral","sentiment_score":0.32333347627094816},{"text":"If anything does come up, you're welcome to let me know.","start":3622.35,"end":3625.07,"sentiment":"neutral","sentiment_score":0.23525084961544385}],"sentiment":"neutral","sentiment_score":0.30755833971003693,"channel":0,"num_words":36,"start":3615.1501,"end":3625.07},{"sentences":[{"text":"Okay?","start":3625.07,"end":3625.57,"sentiment":"neutral","sentiment_score":0.18923674523830417}],"sentiment":"neutral","sentiment_score":0.18923674523830417,"channel":0,"num_words":1,"start":3625.07,"end":3625.57},{"sentences":[{"text":"Okay.","start":3625.795,"end":3626.115,"sentiment":"neutral","sentiment_score":0.29423046112060547},{"text":"Great.","start":3626.115,"end":3626.615,"sentiment":"positive","sentiment_score":0.5871698260307312},{"text":"Thank you, Dana.","start":3626.6748,"end":3627.575,"sentiment":"positive","sentiment_score":0.643491288026174}],"sentiment":"positive","sentiment_score":0.5623748302459717,"channel":1,"num_words":5,"start":3625.795,"end":3627.575},{"sentences":[{"text":"My pleasure.","start":3628.1848,"end":3628.825,"sentiment":"positive","sentiment_score":0.6218499541282654},{"text":"Thank you so much, Jay.","start":3628.825,"end":3629.865,"sentiment":"positive","sentiment_score":0.6689692497253418},{"text":"I'll just get you to review those documents in there, and then when you're comfortable to get you to sign and return the annual review documents back to me.","start":3629.865,"end":3635.785,"sentiment":"positive","sentiment_score":0.4358885617091738},{"text":"I really appreciate your time today.","start":3635.785,"end":3637.6448,"sentiment":"positive","sentiment_score":0.5900700787703196}],"sentiment":"positive","sentiment_score":0.49451749807312373,"channel":0,"num_words":42,"start":3628.1848,"end":3637.6448},{"sentences":[{"text":"Yeah.","start":3638.0999,"end":3638.42,"sentiment":"neutral","sentiment_score":0.1434507966041565},{"text":"No.","start":3638.42,"end":3638.66,"sentiment":"neutral","sentiment_score":0.1263507455587387},{"text":"Likewise.","start":3638.66,"end":3639.16,"sentiment":"neutral","sentiment_score":0.14704209566116333},{"text":"Yeah.","start":3640.02,"end":3640.5,"sentiment":"neutral","sentiment_score":0.26939642429351807}],"sentiment":"neutral","sentiment_score":0.17156001552939415,"channel":1,"num_words":4,"start":3638.0999,"end":3640.5},{"sentences":[{"text":"Easy.","start":3640.1848,"end":3640.6848,"sentiment":"positive","sentiment_score":0.4325218200683594}],"sentiment":"positive","sentiment_score":0.4325218200683594,"channel":0,"num_words":1,"start":3640.1848,"end":3640.6848},{"sentences":[{"text":"Have a good day and a good trip away with with your son.","start":3640.5,"end":3643.88,"sentiment":"positive","sentiment_score":0.5123699238667121}],"sentiment":"positive","sentiment_score":0.5123699238667121,"channel":1,"num_words":13,"start":3640.5,"end":3643.88},{"sentences":[{"text":"Thank you so much, Jay.","start":3644.28,"end":3645.64,"sentiment":"positive","sentiment_score":0.509419584274292},{"text":"I'll talk to you in a couple of weeks.","start":3645.64,"end":3647.16,"sentiment":"neutral","sentiment_score":0.27659611569510567},{"text":"Thank you so much.","start":3647.16,"end":3648.2998,"sentiment":"positive","sentiment_score":0.5012024641036987}],"sentiment":"positive","sentiment_score":0.3911818232801225,"channel":0,"num_words":18,"start":3644.28,"end":3648.2998},{"sentences":[{"text":"Okay.","start":3647.867,"end":3648.367,"sentiment":"neutral","sentiment_score":0.10494138300418854},{"text":"K.","start":3648.587,"end":3649.067,"sentiment":"neutral","sentiment_score":0.07155082374811172},{"text":"Bye, Donna.","start":3649.067,"end":3649.707,"sentiment":"neutral","sentiment_score":0.20224293321371078}],"sentiment":"neutral","sentiment_score":0.14524451829493046,"channel":1,"num_words":4,"start":3647.867,"end":3649.707},{"sentences":[{"text":"Thanks.","start":3649.48,"end":3649.98,"sentiment":"positive","sentiment_score":0.7564901113510132}],"sentiment":"positive","sentiment_score":0.7564901113510132,"channel":0,"num_words":1,"start":3649.48,"end":3649.98},{"sentences":[{"text":"Thanks.","start":3649.707,"end":3650.207,"sentiment":"positive","sentiment_score":0.7846200466156006}],"sentiment":"positive","sentiment_score":0.7846200466156006,"channel":1,"num_words":1,"start":3649.707,"end":3650.207},{"sentences":[{"text":"See you later.","start":3650.28,"end":3651.0798,"sentiment":"positive","sentiment_score":0.6109514435132345}],"sentiment":"positive","sentiment_score":0.6109514435132345,"channel":0,"num_words":3,"start":3650.28,"end":3651.0798},{"sentences":[{"text":"See you later.","start":3650.747,"end":3651.467,"sentiment":"positive","sentiment_score":0.39006778597831726}],"sentiment":"positive","sentiment_score":0.39006778597831726,"channel":1,"num_words":3,"start":3650.747,"end":3651.467},{"sentences":[{"text":"Bye.","start":3651.0798,"end":3651.5798,"sentiment":"neutral","sentiment_score":0.20745298266410828}],"sentiment":"neutral","sentiment_score":0.20745298266410828,"channel":0,"num_words":1,"start":3651.0798,"end":3651.5798},{"sentences":[{"text":"Bye.","start":3651.467,"end":3651.967,"sentiment":"neutral","sentiment_score":0.1653914749622345},{"text":"Bye.","start":3652.0269,"end":3652.5269,"sentiment":"neutral","sentiment_score":-0.0940100997686386}],"sentiment":"neutral","sentiment_score":0.03569068759679795,"channel":1,"num_words":2,"start":3651.467,"end":3652.5269}]},"summary":{"result":"success","short":"OQ Financial and OQ Financial representatives emphasize the importance of removing loading from policies and updating information, as well as the need for medical records to review policies. They also emphasize the benefits of reducing fees and maintaining a high growth asset allocation, as well as updating contributions and regular work and contributions for future success. The agents also discuss retirement goals and remind customers to sign and return annual review documents, as well as updating retirement documents."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review this morning. Is now Yeah.","start_word":26,"end_word":41,"intents":[{"intent":"Confirm review appointment","confidence_score":0.0000042025868}]},{"text":"So you've got your updated balance sitting there. We're sitting at a $185,491.51 there.","start_word":561,"end_word":574,"intents":[{"intent":"Update portfolio balance","confidence_score":0.0001395748}]},{"text":"And I've had a bit of a look, and there are some things that I'd like to be able to update for you if you'd like the advice to do so to maybe alter the portfolio, maybe replace some of the investments, and see if we can get it working a little bit harder for the next twelve months onwards for you. Okay.","start_word":735,"end_word":797,"intents":[{"intent":"Update portfolio","confidence_score":0.75515854}]},{"text":"Yeah.","start_word":920,"end_word":920,"intents":[{"intent":"Discuss coverage and income status","confidence_score":6.4184884e-9}]},{"text":"Did you wanna look at trying to review that at any at any point at the moment? Or No.","start_word":1001,"end_word":1019,"intents":[{"intent":"Review benefits","confidence_score":0.17478676}]},{"text":"I mean, look so just looking at how much is paid there from from my I suppose that's For the premiums?","start_word":1020,"end_word":1040,"intents":[{"intent":"Discuss cost and benefits","confidence_score":0.001513744}]},{"text":"Yeah. yeah.","start_word":1041,"end_word":1042,"intents":[{"intent":"Review premiums","confidence_score":0.09609054}]},{"text":"We've spoken to a sender. They have stated that it is possible to review that. So I'd like to just go back and see if that's reviewable and maybe go through and have that review to see if we could maybe have that loading reduced or removed from the policy, which could help to make it a bit cheaper for you. Yeah.","start_word":1143,"end_word":1204,"intents":[{"intent":"Review policy options","confidence_score":0.13848889}]},{"text":"I'm just gonna write this down so I can have a quick look at these pages for you just to kinda give you an idea of what's expected with looking at the loadings, and then I will get my team to prefill the document. We will send it to you. We will need you to probably go through and double check things that are correct and answer any of the questions. This is section one four five six seven. There's eight eight. Disclosure.","start_word":1435,"end_word":1517,"intents":[{"intent":"Provide information","confidence_score":0.09202694}]},{"text":"So they are gonna request medical reports from the doctor in order to have the loading reassessed.","start_word":1525,"end_word":1541,"intents":[{"intent":"Request medical reports","confidence_score":0.48649794}]},{"text":"Section 21 is asking 21 is asking about further information around family Section 23 is a medical release for them to access medical records from your doctor to be able to review that. And section 24 is, again, just authorizations authorizing them to access medical information to have the loading reviewed there. Yes.","start_word":1545,"end_word":1597,"intents":[{"intent":"Access medical records","confidence_score":0.4011386}]},{"text":"back into your original application just to see what we had noted. It's a little bit of work to have the loading removed, but it's worthwhile if they go through and remove the loading for you. It makes the policy cheaper, so it might be worthwhile definitely doing, especially as you mentioned those heart palpitations. You haven't had those since that policy was placed in force. Everything has been really good since then. Is that changed at all?","start_word":1735,"end_word":1812,"intents":[{"intent":"Update application","confidence_score":0.0049088155}]},{"text":"So it's definitely worth having those loadings reviewed. If they come back and say they're not going to remove them now, at least we've tried, There's always a risk of that occurring, but, you know, the good side of it is they may come back and go, hey. Yeah.","start_word":1823,"end_word":1871,"intents":[{"intent":"Review loadings","confidence_score":0.6025381}]},{"text":"We've we can remove these loadings now and hopefully make the policy a bit cheaper for you, which would be only to your benefit and your super. Yeah.","start_word":1873,"end_word":1900,"intents":[{"intent":"Make policy cheaper","confidence_score":0.45828062}]},{"text":"So I've got the medical clinic or the clinic for them to utilize as KC Medical Center Craneborn. Is that still the correct medical center that they would be able to obtain those documents from in relation to the heart palpitations? Yeah.","start_word":1923,"end_word":1964,"intents":[{"intent":"Utilize kc medical center","confidence_score":0.11245311},{"intent":"Use kc medical center","confidence_score":0.3698233},{"intent":"Use different medicare clinic","confidence_score":0.00022293285}]},{"text":"At the moment, the policy for this year currently, you have paid around about $4,903.39. You'll see on that policy or on that document there, the top number, the $5,007.68, that's how much the insurer has received for the policy, but you do get a 15 percent discount because you're paying it out out of your super fund.","start_word":2375,"end_word":2432,"intents":[{"intent":"Request policy discounts","confidence_score":0.0046005123}]},{"text":"When you think about income and I know it's probably hard to sort of determine now.","start_word":3777,"end_word":3792,"intents":[{"intent":"Clarify income plan","confidence_score":0.014525427}]},{"text":"If you are open to, I could look at maybe removing that out because it is underperforming a little bit within your portfolio, and I could look at replacing that with a maybe a cheaper investment to lower the investment fees a little bit for you. Is that something you'd like me to look at? And is there yeah.","start_word":4155,"end_word":4213,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.029117247}]},{"text":"we are recommending. Yeah. So I can do something very similar for you. I can make a recommendation on altering these investments.","start_word":4633,"end_word":4654,"intents":[{"intent":"Recommend investments","confidence_score":0.042848393}]},{"text":"I'll show you your current scenarios, your current projected outcome with the current portfolio you're in, and also what I'm recommending side by side so you have that comparison in the advice document to kind of make your decision.","start_word":4656,"end_word":4694,"intents":[{"intent":"Recommend side comparison","confidence_score":0.030754607}]},{"text":"When you said just a keyword, you said there was it was a passive sort Yes. of life changing from the Benelung to a more passive sort of Yep. diversified managed fund, I guess, we'll call it. But what does does that, is it the same sort of growth sort of structure?","start_word":4746,"end_word":4797,"intents":[{"intent":"Discuss passive investment/growth","confidence_score":0.0000097068405}]},{"text":"So with this sort of investment, this is tracking how the market has performed in different investments. So one of the things that we look at when we are investing, and there's different ways to do so, the first thing is growth and defensive investments.","start_word":4938,"end_word":4982,"intents":[{"intent":"Discuss growth and defensive investments in markets","confidence_score":0.00014334927},{"intent":"Discuss growth and defensive investments in portfolios","confidence_score":0.08287433}]},{"text":"The problem Yeah.","start_word":5346,"end_word":5348,"intents":[{"intent":"Analyze market dynamics","confidence_score":0.15489554}]},{"text":"When you sort of look at the markets going up and down, when we see the green numbers and we see that the market's going up and we've made money, it makes us feel really good that we're doing that things are working really well, and we're happy with that.","start_word":5388,"end_word":5437,"intents":[{"intent":"Explain market dynamics","confidence_score":0.010314636}]},{"text":"And with your portfolio at the moment, you're in that high growth environment that generally sees when you look at this report here, that sees 90% of your super invested in US shares, Australian shares, international shares, and listed property.","start_word":5862,"end_word":5901,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.011956281}]},{"text":"I do have a couple of different options that a I've sort of been looking at. One of them is a wholly passive fund, which has good returns in the past. It can definitely lower your investment fees fairly significantly. thought.","start_word":6286,"end_word":6326,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.08337308}]},{"text":"So I don't provide the advice giving you the two different portfolios and letting you choose which one's preferable. I've gotta kind of make that recommendation for you. Yeah.","start_word":6498,"end_word":6526,"intents":[{"intent":"Recommend portfolios","confidence_score":0.11643091}]},{"text":"I personally sort of talking from where you are. The way I sort of see things for yourself is, I mean, looking at your age at the moment, are you still wanting to access super around about 60 or 65? What is your goal there at the moment for accessing your super? Look.","start_word":6526,"end_word":6578,"intents":[{"intent":"Inquire about retirement goals","confidence_score":0.014920449}]},{"text":"I mean, there's no fees Yep.","start_word":6598,"end_word":6603,"intents":[{"intent":"Assist with fees","confidence_score":0.011083843}]},{"text":"you can actually access super from the age of 60. As long as you are fully retired, they'll let you access all of your funds completely tax free. The Yes.","start_word":6637,"end_word":6666,"intents":[{"intent":"Explain age","confidence_score":0.0033555406}]},{"text":"you can actually access super from the age of 60. As long as you are fully retired, they'll let you access all of your funds completely tax free. The Yes. alternative is 65.","start_word":6637,"end_word":6669,"intents":[{"intent":"Recommend retiring retirement","confidence_score":0.000004295649}]},{"text":"As long as you are fully retired, they'll let you access all of your funds completely tax free. The Yes. alternative is 65.","start_word":6647,"end_word":6669,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.0022900132}]},{"text":"So just sort of talking about where things are at, I think one of the things that feels really important to you, and please correct me if I'm wrong, but it feels that the fee aspect is probably the biggest thing because you are working casually. Haven't really got contributions going, and reducing fees as much as possible feels like it's Well, more appropriate to you.","start_word":6742,"end_word":6807,"intents":[{"intent":"Advise on fees","confidence_score":0.0017547304}]},{"text":"Is there anything that you would alter or change or correct me if I'm wrong.","start_word":6818,"end_word":6832,"intents":[{"intent":"Inquire about future changes","confidence_score":0.0047253263}]},{"text":"I think it's still that high growth I'm interested in, but then I guess Yeah.","start_word":6840,"end_word":6854,"intents":[{"intent":"Express interest in high growth","confidence_score":0.012181551}]},{"text":"I mean, if I was much more savvy and spent an hour doing this a day, I would probably invest in organizations, not just the top 500 through that passive investment, but, you know, businesses that I valued or had a moral connection with ultimately, but I don't have that capacity. So I stay away from that moral compass with that. But, Yep.","start_word":7068,"end_word":7130,"intents":[{"intent":"Understand potential investment strategies","confidence_score":0.0000018061245}]},{"text":"The only set of questions I would ask just to sort of gauge your risk tolerance there is the first one here is basically asking how much risk do you think you're comfortable taking in order to get those higher potential returns.","start_word":7266,"end_word":7307,"intents":[{"intent":"Assess risk tolerance","confidence_score":0.076863445}]},{"text":"Are you feeling optimistic about the investment opportunities? Are you cautious, concerned, or feeling very anxious? How do you think you might feel? Probably more optimistic.","start_word":7638,"end_word":7663,"intents":[{"intent":"Evaluate potential investments","confidence_score":0.00070409506}]},{"text":"It's showing a little bit down, and the government is phasing out some of those bank hybrids down the track as well. So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming investments. Does that make sense?","start_word":8003,"end_word":8072,"intents":[{"intent":"Discuss underperforming investments","confidence_score":0.022519886}]},{"text":"So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming investments. Does that make sense?","start_word":8024,"end_word":8071,"intents":[{"intent":"Review portfolio","confidence_score":0.8456378}]},{"text":"The next login along in that pack, if you continue to scroll for me, is the Ascendant Certificate of Currency, and that just outlines a bit more detail around your insurance policy through a sender who was MLC and a Yep. bit more detail there. So we'll get that form done to review your loadings for you. Okay?","start_word":8101,"end_word":8158,"intents":[{"intent":"Review insurance policy","confidence_score":0.109251015}]},{"text":"The next document along is the financial services guide for Oakview Financial, and I've given you a couple of these now. This outlines everything about who we are, what we do, and how we do it, and, obviously, the fee structure and everything moving forward there for you. Okay? Okay.","start_word":8163,"end_word":8212,"intents":[{"intent":"Provide financial advice and recommendations","confidence_score":0.0000813513}]},{"text":"The the ongoing service fee currently because your balance is under that 200,000, it is set at that 1.65%.","start_word":8370,"end_word":8388,"intents":[{"intent":"Confirm charge","confidence_score":0.0000012524185}]},{"text":"there's a lot changing and going on in your life, we'll make sure that I update this advice for you in the next few weeks, and then we'll come back and do a catch up, you know, every three to six months depending on what you're comfortable with, and we can just keep reviewing things moving forward for you. How does that sound?","start_word":8702,"end_word":8764,"intents":[{"intent":"Update advice","confidence_score":0.8237576}]},{"text":"How does that sound?","start_word":8760,"end_word":8763,"intents":[{"intent":"Keep reviewing","confidence_score":0.0052715046}]},{"text":"That is essentially all the documents in there, so you're welcome to take them back and have a good review of the documents. Once you're comfortable with doing so, I'll get you to sign and return those back just so I can move forward and provide the advice for you.","start_word":8777,"end_word":8826,"intents":[{"intent":"Review documents","confidence_score":0.7002755},{"intent":"Review documents","confidence_score":0.4195479}]},{"text":"So when I'm looking at the advice, because you are working casually, and we're not really sure of what kind of contributions are expected in the fund over the next sort of couple of months, I'd like to update the advice and maybe consider no additional super contributions going in.","start_word":8842,"end_word":8891,"intents":[{"intent":"Discuss contributions","confidence_score":0.0045617362},{"intent":"Consider retirement","confidence_score":0.0024694055},{"intent":"Consider withdrawals","confidence_score":0.010596808}]},{"text":"That way, we can sort of look at what, you know, the expectation is around the growth need and that sort of thing with the portfolio and how that looks as a whole minus contributions. Are you comfortable with that?","start_word":8892,"end_word":8931,"intents":[{"intent":"Analyze portfolio","confidence_score":0.0048339064}]},{"text":"Are you comfortable with that?","start_word":8927,"end_word":8931,"intents":[{"intent":"Determine expectations","confidence_score":0.0028074582},{"intent":"Determine expectations","confidence_score":0.0013169657}]},{"text":"How much rent are you paying on a weekly or fortnightly basis?","start_word":9503,"end_word":9514,"intents":[{"intent":"Request rent information","confidence_score":0.0073688687}]},{"text":"are also state trustees that can drop wills online or over the phone just as easily. I can find out the information in regards to your state if you like and email that through to you just as a bit of a general email. Would you like that information? No.","start_word":9829,"end_word":9878,"intents":[{"intent":"Assist with trustees","confidence_score":0.0000055930227}]},{"text":"And I've got your beneficiary nominations on your super and your life insurance. So 50% paid to Dylan and Toby in the event that anything happens to split to both your children. Is that still how you want that set up? Yeah.","start_word":9927,"end_word":9968,"intents":[{"intent":"Discuss beneficiary nominations","confidence_score":0.01149817}]},{"text":"From everything we've discussed, we'll go back and review the super, remove any underperforming investors, and look at updating things, reducing fees within the portfolio a bit, look at no additional contributions into the fund, and look at what that can do moving forward to assist you.","start_word":10013,"end_word":10059,"intents":[{"intent":"Review super","confidence_score":0.2195731},{"intent":"Review portfolio","confidence_score":0.36243454}]},{"text":"Is there any other goals in the short term or medium term that you wanted me to sort of note down for you? Or No.","start_word":10078,"end_word":10102,"intents":[{"intent":"Address insurance goals","confidence_score":0.000049047998}]},{"text":"Thank you so much for your time this morning, Jay. I really appreciate it. I want to bring your annual review forward, really look at things for you and update the advice. I know you you have had some concerns over the past, so I wanna make sure that we're supporting you and alleviating those where possible. I will book you in now to go through that advice document in a couple of weeks there.","start_word":10275,"end_word":10349,"intents":[{"intent":"Book monthly advice review","confidence_score":0.00010614447}]},{"text":"Actually, Danny, you might want if we put the from the October 7, we'd probably put that back from 08:00 till 09:30 or nine or something. Yep.","start_word":10551,"end_word":10577,"intents":[{"intent":"Request appointment change","confidence_score":0.0009799987}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Jay. This is Dana from OQ Financial. How are you this morning? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1585797369480133},{"text":"Good, Dana. Good. How are you? I'm very well. Thank you.","start_word":15,"end_word":25,"sentiment":"positive","sentiment_score":0.5333701968193054},{"text":"I had you booked in to go through your annual review this morning. Is now Yeah. No. That's fine. still Yeah.","start_word":26,"end_word":46,"sentiment":"neutral","sentiment_score":0.1339700073003769},{"text":"a good time there for you? Fantastic.","start_word":47,"end_word":53,"sentiment":"positive","sentiment_score":0.39696550369262695},{"text":"How's everything been going for you as as of late since our last catch up? Yeah. Could no. No problems. Yeah. I haven't been putting a lot into super, so I've been a bit Yep. mindful about, you know, what's coming out and what fees and charges and, you know, changes in the changes in the portfolio. Yeah. But but other than that, all good.","start_word":54,"end_word":118,"sentiment":"neutral","sentiment_score":0.10201667249202728},{"text":"Fantastic.","start_word":119,"end_word":119,"sentiment":"positive","sentiment_score":0.5842806100845337},{"text":"Well, I'll go through that with you today because I've had a bit of a look at things. I definitely can see some advice that can be provided to update things. It is important to update the portfolio regularly as things change, and I can see some areas that we could definitely look to update for you advice wise. Yep. Normally, I also send through your annual review documents for you to go through with me. Are you able to access your emails currently at Yeah. I I should be able all? to. I am in saying that we are having some work, so the power is being cut off here. And I I don't have Internet access, but I should still be able to access my emails and stuff on my phone. It's just the reception can be a little bit laggy. So That's okay. If I don't you can't, it's know. not an issue. I can go through things with you, update everything, and look at the advice that I wanted to sort of help you out with there. And then you're able to have a look at those documents again a little bit later on if you'd like. It's up to you. No. No. I've I'm just looking. I've yeah. It's a signature document, is it? Or That's the one. Yeah. So it's got the annual review documents in there. When you open the email there, it does ask you to click the button that says to sign, but it doesn't ask you to sign anything until you've gone through and read it all. It's just so you can move forward and review each of the documents themselves. So Right. before Okay. I jump into the call and go through things, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yes. Of course.","start_word":120,"end_word":446,"sentiment":"neutral","sentiment_score":0.06971964006531493},{"text":"Yeah. Fantastic.","start_word":447,"end_word":448,"sentiment":"positive","sentiment_score":0.5199394226074219},{"text":"And just to do security there with you as well, just to confirm your full name, your date of birth, address that I should have on file. Yeah. Jay Alcock, so it's Yep. the 2nd 975. And the address Yes. was Beautiful. it? Yes, Yeah. please. Yeah. Yeah. 18 Story Street, North Whantheggie, Victoria 3 Double Beautiful. oh, yeah. 3995.","start_word":449,"end_word":508,"sentiment":"neutral","sentiment_score":0.12014815211296082},{"text":"Lovely. Thank you so much for that.","start_word":509,"end_word":515,"sentiment":"positive","sentiment_score":0.6480547189712524},{"text":"Now it's a when you're looking at the document there, just let me know when you can see the first one. The first one, they should say summary of superannuation and insurances. Yeah. I'm just looking at that now. Yep. You can see it.","start_word":516,"end_word":559,"sentiment":"neutral","sentiment_score":0.10462191700935364},{"text":"Perfect.","start_word":560,"end_word":560,"sentiment":"positive","sentiment_score":0.4551030695438385},{"text":"So you've got your updated balance sitting there. We're sitting at a $185,491.51 there. Just to sort of look Yep. back at your balance this time last year, you were sitting around about a $179,961.49 there. So your balance has definitely increased with everything. When we look at over the past twelve months, the earnings and the growth within the portfolio, essentially, you've made $11,195 and $44.44 cents over the past twelve months when we consider growth and income there. So your portfolio is still working, albeit the return is a bit lower than where we sort of like it to be. Obviously, contributions are a bit lower at the moment there as well, and that's okay. That's understandable. You go through periods of and downs within the portfolios. Every super fund, every investment has those ups and downs, but you still have come out with growth and still are moving ahead. So the growth is a little bit slower this last twelve months, but it is still moving forward. It is still continuing. And I've had a bit of a look, and there are some things that I'd like to be able to update for you if you'd like the advice to do so to maybe alter the portfolio, maybe replace some of the investments, and see if we can get it working a little bit harder for the next twelve months onwards for you. Okay. Right, Donna.","start_word":561,"end_word":799,"sentiment":"neutral","sentiment_score":0.02635415917784599},{"text":"Thank you.","start_word":800,"end_word":801,"sentiment":"positive","sentiment_score":0.47809886932373047},{"text":"Yeah. That's okay. Now underneath that, you've got your insurance policy noted there as well. So your part of this and part of the things that are coming out of your super is your insurances. You've got your life cover and your TPD noted there. So in the event of passing your current sum insured is 520,774. If we think about your level of life cover you have, if you were to say passed away today, having that benefit paid out plus your super paid out on top of that essentially gives a life benefit of $1.85, $19.01, about 706,265. Are you fairly happy and or comfortable with that level of cover that you have at the moment? Yeah. Absolutely. Yeah. Yep. Yep.","start_word":802,"end_word":924,"sentiment":"neutral","sentiment_score":0.06729390472173691},{"text":"Fantastic. Excellent.","start_word":925,"end_word":926,"sentiment":"positive","sentiment_score":0.4627301096916199},{"text":"And then with the TBD, so total permanent incapacity, this is paid out as a lump sum or an income stream if you're unable to ever go back to work again due to permanent disability. You've got about a 195,000 sitting there, some insured. And then if you are TBD, we can also look to claim against your super. So, essentially, it's about 380,000 worth of benefit there. Are you fairly comfortable with that? Did you wanna look at trying to review that at any at any point at the moment? Or No. I mean, look so just looking at how much is paid there from from my I suppose that's For the premiums? Yeah. yeah. I suppose that's one consideration, but I don't know if that drops it much. Maybe that's, yeah, just, yeah, worthwhile, I guess. Well, I I haven't having looked a look, into it to, you know, to yeah. no.","start_word":927,"end_word":1080,"sentiment":"neutral","sentiment_score":-0.03650520741939545},{"text":"That's okay.","start_word":1081,"end_word":1082,"sentiment":"positive","sentiment_score":0.5005249381065369},{"text":"Well, I had a look, and my team did call and find out because you the premiums are a lot more expensive than what you'd sort of expect for the level of cover you have, and that's because you do have a a 50% loading on there, which was due to the heart palpitations on the life and TPD cover. We've spoken to a sender. They have stated that it is possible to review that. So I'd like to just go back and see if that's reviewable and maybe go through and have that review to see if we could maybe have that loading reduced or removed from the policy, which could help to make it a bit cheaper for you. Yeah. Yeah. No. That's yeah. That makes sense. Yep. Yeah. I I'd still like some there, I guess. It just sort of gives insurance to to my children really, ultimately, I suppose. Yeah. Well, the life cover will do that for you. The TBD doesn't. That's more to pay that to yourself. Right. But what I'm sort of mentioning is with the with the loadings, it does with the 50% loading, it is making your premiums more expensive. So if we Yes. can look to maybe have that removed, that'll reduce the cost of the premiums a little bit. It doesn't change the level of cover you have. That stays exactly the same. It just helps to remove that loading off the policy, which could make the premium slightly cheaper. So what we can do is we'll just need to have a form build out. I'll find out what that is. I believe I've got it sitting in the in the file here. Might be a second just to see what that looks like, just to give you an understanding of the questions they're gonna Okay. ask because they are gonna assess your health and, quite a bit of detail there. Yep. This is a very large application. So review of loadings. So one, two, three, seven, eight, fourteen, twenty one, 23, and 24. Okay. So if we go sorry. I'm just gonna write this down so I can have a quick look at these pages for you just to kinda give you an idea of what's expected with looking at the loadings, and then I will get my team to prefill the document. We will send it to you. We will need you to probably go through and double check things that are correct and answer any of the questions. This is section one four five six seven. There's eight eight. Disclosure. That's okay. 14. Section 14 is doctor's details. So they are gonna request medical reports from the doctor in order to have the loading reassessed. Yep. That's okay. Section 21 is asking 21 is asking about further information around family Section 23 is a medical release for them to access medical records from your doctor to be able to review that. And section 24 is, again, just authorizations authorizing them to access medical information to have the loading reviewed there. Yes. The doctor that we would have on record here, I'm if you're comfortable with me, I'm happy to have my team prefill this document as much as we possibly can, and then we can send it through to you. It'll need to be printed out and signed and returned. Are you at all able to access a printer at all, or is it better if we post the document to you? No. I can access it. Yeah. Yep. Yep. Yep. That's okay. We'll just note down the sections that are applicable for having the loading removed or reviewed, and we'll get you just to double check the information that we have on the document. If there is anything to update or have altered, just let us know.","start_word":1083,"end_word":1724,"sentiment":"neutral","sentiment_score":0.03600132753354471},{"text":"More than happy to do so.","start_word":1725,"end_word":1730,"sentiment":"positive","sentiment_score":0.4326528012752533},{"text":"Okay. Just going Yeah. back into your original application just to see what we had noted. It's a little bit of work to have the loading removed, but it's worthwhile if they go through and remove the loading for you. It makes the policy cheaper, so it might be worthwhile definitely doing, especially as you mentioned those heart palpitations. You haven't had those since that policy was placed in force.","start_word":1731,"end_word":1800,"sentiment":"neutral","sentiment_score":0.13062550127506256},{"text":"Everything has been really good since then.","start_word":1801,"end_word":1807,"sentiment":"positive","sentiment_score":0.5557730197906494},{"text":"Is that changed at all? No. That's that's still correct. Yeah. Yep. Yep. Yep.","start_word":1808,"end_word":1821,"sentiment":"neutral","sentiment_score":0.08049508609942027},{"text":"Beautiful. So it's definitely worth having those loadings reviewed.","start_word":1822,"end_word":1830,"sentiment":"positive","sentiment_score":0.552082896232605},{"text":"If they come back and say they're not going to remove them now, at least we've tried, There's always a risk of that occurring, but, you know, the good side of it is they may come back and go, hey. Yeah. Look. We've we can remove these loadings now and hopefully make the policy a bit cheaper for you, which would be only to your benefit and your super. Yeah. Of course. Yep. I've got the doctor's details. Oh, sorry. This application form is a bit long. Where are we? Information. Okay. So I've got the medical clinic or the clinic for them to utilize as KC Medical Center Craneborn. Is that still the correct medical center that they would be able to obtain those documents from in relation to the heart palpitations? Yeah. I'm not sure if it's there or broad, though, to be honest. Yeah. I think I was saying yeah. Of course. Yeah. Doctor Humayan, it is. But I haven't been to the Yep. doctors in about twelve months, I reckon. So, Yep. yeah, I I I haven't the doctor down this way, so I still go up to doctor Humayan. But, Yep. yeah. I can't I think yeah. We could just use KC Medical Center. I I think they have some stuff on file too. So what what Yep. what's No. the That's GP okay. that it says there? It doesn't have a doctor noted. It just says doctor's name unknown. It's just got the medical practice there. But if they to those reports originally, that's that's on your original sender or MLC application. I do have the other one from when we did try to go through the AIA application, and that, I believe, has a different one. Yeah. That one there has a Broad Oak Medical yeah. Broad Oak Medical at Craneborn East on it. Yes. Might be better off just using that one. Yep. The other one's too hard to get into, to be honest. And, yeah, Okay. as much as I know Yep. the doctor as well. Yep. It worked mainly, but yeah. That's okay. So Yeah. that'll be the broad Broad Oak Medical.","start_word":1831,"end_word":2192,"sentiment":"neutral","sentiment_score":-0.01227424392034171},{"text":"Perfect.","start_word":2193,"end_word":2193,"sentiment":"positive","sentiment_score":0.6300841569900513},{"text":"Yeah. I'll I'll put that information on that application there for you. We'll get that the the insurance application sorted and prefilled for you, and then my team will email us through if you can just sort of print it out. I'll find out if they do allow it to be electronically signed. If they do, we'll be able to send it electronically for you. I just know sometimes these are preferred the wet sign. Either way, we'll find out how it can be signed. We'll send it through to you. I'll prefill it with as much information as possible. If there are any sections that we just need you to fill out for us, we will just have those noted with a little text box. And then once that's signed, we can send it back to a sender, and we can have them reassess the loadings for you to see if they can, you know, remove those for the heart palpitations and try to make your policy about 50% cheaper for you. Okay? Okay. Yep.","start_word":2194,"end_word":2369,"sentiment":"neutral","sentiment_score":0.1163736954331398},{"text":"Great. Yep. Beautiful. All good.","start_word":2370,"end_word":2374,"sentiment":"positive","sentiment_score":0.4509263038635254},{"text":"At the moment, the policy for this year currently, you have paid around about $4,903.39. You'll see on that policy or on that document there, the top number, the $5,007.68, that's how much the insurer has received for the policy, but you do get a 15 percent discount because you're paying it out out of your super fund. So you've only paid the bottom figure there. Okay? It's still quite Okay. a lot, but it is a little bit of a discount. So we'll take whatever discounts we can get in the short term. Yeah. Of course. Yep. Yeah. Work wise, how's everything going? Because I can see that the contributions were going into your sleep up until about July this year. Have you been working since then? Have you just dropped hours? What sort of have been happening work wise for Yeah. Well, I haven't. I I would spend a month overseas actually you? from late July till to August. And That's actually yeah.","start_word":2375,"end_word":2539,"sentiment":"neutral","sentiment_score":0.06919249508417014},{"text":"exciting. It was, yeah, family reunion in Canada. So Fantastic. yeah, catching up with some family back there. So so Beautiful.","start_word":2540,"end_word":2560,"sentiment":"positive","sentiment_score":0.517674446105957},{"text":"I haven't actually. I've just been going through some things in the last couple of days, last week. Of course. So, Yeah. yeah, just yep. Changes with work there. Yeah. Yep. Okay. Well, I'm very sorry that you're going through things.","start_word":2561,"end_word":2601,"sentiment":"neutral","sentiment_score":-0.08368151634931564},{"text":"It's definitely could be very difficult.","start_word":2602,"end_word":2607,"sentiment":"negative","sentiment_score":-0.3344833552837372},{"text":"Are you still technically employed in the same role that you were? Are you planning to kinda go back and do any work? Are you looking for a new job? What's kind of on the horizon for you? Well, it's a bit of both, Diana, to be honest. I'm sort of yeah. I've sort of stepped down a while ago now as a supervisor, so Mhmm. that's about fourteen months. Yep. And I've just been doing some casual work here and there. Yep. So I have looked into the support sort of work role still, but I am looking at other sort of areas and a bit of a career change as well, to be honest. So Yeah. just Perfect. sort of watch this space a little bit. And I yeah.","start_word":2608,"end_word":2738,"sentiment":"neutral","sentiment_score":-0.026766618713736538},{"text":"love that.","start_word":2739,"end_word":2740,"sentiment":"positive","sentiment_score":0.36840271949768066},{"text":"Yeah. Yeah. That's okay. All good. So, realistically, for me updating advice and reflecting things accurately in your circumstances, would you prefer me to keep your title as disability support worker, or what would you prefer me to keep your employment title as currently? Yeah. No. I think he could like that at the moment. That's okay. Yep. Beautiful. What would be the benefit to changing that being It's just there's no real benefit. It's more just sort me being accurate on the documentation that I provide for you. of That's all just making sure that I've got accuracy around it. Yeah. Yeah. Of course. Yep. Yeah. Yep. That's okay. All good. And you're also working casually at the moment. Is that right? I am. Yes. Yep. Yep. Yep. Do you have any are you sort of doing a regular couple of shifts every week or so, or is it just sporadically here and there as things It's pop up as you're comfortable taking work? that's alright. Yeah. It's just Yep. sporadic at the moment. So That's okay. yeah. Yep. I haven't actually worked since mid July, to be honest, with the month off. And then there were some changes with the Melbourne support services. So I've just been going through that, to be honest. And and I'm studying as well. I'm trying to do a cert three in IT just to so that's become a bit of a priority to yeah. Yep. Yeah.","start_word":2741,"end_word":2984,"sentiment":"neutral","sentiment_score":0.025114028027555985},{"text":"Beautiful. Well, congratulations on starting that set three. How are you enjoying it?","start_word":2985,"end_word":2997,"sentiment":"positive","sentiment_score":0.7176534533500671},{"text":"Uh-huh. Yeah.","start_word":2998,"end_word":2999,"sentiment":"neutral","sentiment_score":0.14207887649536133},{"text":"Look. I like it.","start_word":3000,"end_word":3003,"sentiment":"positive","sentiment_score":0.5278948545455933},{"text":"It sort of gets me thinking about things differently and things that I would I never love really that. thought about before.","start_word":3004,"end_word":3025,"sentiment":"neutral","sentiment_score":0.1980396509170532},{"text":"So, yeah, that's nice. Yeah. Nice.","start_word":3026,"end_word":3031,"sentiment":"positive","sentiment_score":0.5047365427017212},{"text":"And you sorta maybe hoping to go into that IT space down the track. Is that sort of where your interest lies career wise? Potentially. Yeah. Potentially. Yeah. I think everything's going that way a little bit. So curiosity and maybe, you know, I don't think it's gonna, yeah, leave me wanting in any field not having that not having that skill set. So yeah. So Yeah. possibly. I'm just not sure, yeah, what I haven't really looked too much at what sort of data help desk, you know, IT help desk and data analysis work looks like. Yep. But yeah. See how that goes. Yeah.","start_word":3032,"end_word":3137,"sentiment":"neutral","sentiment_score":0.028873370960354805},{"text":"Well, that's fantastic. I definitely wanna keep up to date with you and see how that's going.","start_word":3138,"end_word":3154,"sentiment":"positive","sentiment_score":0.5071665644645691},{"text":"I know one of the things is and, look, I can speak from experience. When you work and do what you you're passionate about, you tend to not work a day in your life.","start_word":3155,"end_word":3188,"sentiment":"neutral","sentiment_score":0.11400915682315826},{"text":"I work some shocking hours, but I love what I do, and I love helping people and looking at investments and building people super and and working towards their goals. So if you find something you're passionate about, no matter how hard it is, please do hold on to that because it makes the world of difference when you go to work every day.","start_word":3189,"end_word":3252,"sentiment":"positive","sentiment_score":0.4481386402621865},{"text":"That's for sure. Yeah. No. I I can agree Yeah. with that for sure. I think look. Looking at everything for you, you're about essentially oh, you're a little bit older than me. Not much. But, realistically, look. I'm in my forties now, and I'm feel well and truly too old to be, you know, not enjoying what I do on a regular basis. And and you know? So I'm sure you feel probably the same way. Yes. That's right. Yeah. Yeah. Yeah.","start_word":3253,"end_word":3335,"sentiment":"neutral","sentiment_score":-0.05314921960234642},{"text":"Absolutely. Beautiful. Fantastic. Oh, I love Alright. that you're doing that.","start_word":3336,"end_word":3346,"sentiment":"positive","sentiment_score":0.47739410400390625},{"text":"And how long does the set three sorta take to complete? Great. Well, it sort of fits self paced, but I think about twelve months. So I'm sort of, you know, I'm in the midst of the industry. So, yeah, we'll see how we go. And Yeah. Yeah. Yeah.","start_word":3347,"end_word":3395,"sentiment":"neutral","sentiment_score":0.10902779549360277},{"text":"Perfect. I love that.","start_word":3396,"end_word":3399,"sentiment":"positive","sentiment_score":0.6017770767211914},{"text":"Yeah.","start_word":3400,"end_word":3400,"sentiment":"neutral","sentiment_score":0.2802146077156067},{"text":"Thanks, Dana.","start_word":3401,"end_word":3402,"sentiment":"positive","sentiment_score":0.37560564279556274},{"text":"No worries at all. All good. So the other things I do have to touch base on are things like income protection and trauma. In the past, we've touched on those, what they are, how they can provide for you. Realistically, given your current changes to work, and I do apologize, I need to be honest at times as well, because you are working casually and very sporadically at the moment, income protection's generally not on offer at the moment for insurance wise. And Yes. adding adding new insurances can obviously make the premiums more expensive, which I know is a big concern of yours as well. Are you wanting to look down the track maybe getting some income protection and covering Mhmm. you in that way, or are you just happy with the life and TBD and wanna save money and build wealth outside of super to cover the gap? What's your thoughts there? And if you have more questions, you can let me know. Yeah. Yeah. No. That's exactly right.","start_word":3403,"end_word":3574,"sentiment":"neutral","sentiment_score":-0.051322393119335175},{"text":"I'm just happy with the life and TPD and and maybe not that completely.","start_word":3575,"end_word":3588,"sentiment":"positive","sentiment_score":0.459608942270279},{"text":"I guess once we do that, more thorough review. But, yeah, Yep.","start_word":3589,"end_word":3600,"sentiment":"neutral","sentiment_score":0.010921857319772243},{"text":"I'm not interested in the income protections at all.","start_word":3601,"end_word":3609,"sentiment":"negative","sentiment_score":-0.5233256220817566},{"text":"Don't No. know yet. That's okay.","start_word":3610,"end_word":3615,"sentiment":"neutral","sentiment_score":-0.15928016602993011},{"text":"Absolutely fine. It's not a problem at all.","start_word":3616,"end_word":3623,"sentiment":"positive","sentiment_score":0.38254514336586},{"text":"And you because you've taken a bit of time off work, just sort of clarifying. Do you have a bit of savings that you've been able to fall back on to sort of help A been working full time and and to give you a little bit of bit. extra Yeah. expenditure? Yep. Yep. Yep. Yep.","start_word":3624,"end_word":3679,"sentiment":"neutral","sentiment_score":0.13425803184509277},{"text":"Beautiful.","start_word":3680,"end_word":3680,"sentiment":"positive","sentiment_score":0.5193551182746887},{"text":"So I just yeah. Just trying to yeah. Be a bit tidy and mindful with my spending Yep. there. 15. Yeah.","start_word":3681,"end_word":3701,"sentiment":"neutral","sentiment_score":0.18022160232067108},{"text":"Absolutely. Beautiful.","start_word":3702,"end_word":3703,"sentiment":"positive","sentiment_score":0.4683869779109955},{"text":"And how much would you say you still have in savings just so I can update all your assets and liabilities? Yeah. Not not much, to be honest. Only a few thousand dollars. So, Okay. yeah, about 3,000. Yep. About 3,000 left.","start_word":3704,"end_word":3745,"sentiment":"neutral","sentiment_score":0.06007205694913864},{"text":"Lovely. There we go.","start_word":3746,"end_word":3749,"sentiment":"positive","sentiment_score":0.4112706780433655},{"text":"Well, if I happen to win a lotto, I'll let you know. Promise. Haven't yet, but you never know. Yeah. Yes. It's all as a hub. Absolutely. When you think about income and I know it's probably hard to sort of determine now. We had you earning around about a 71,000 per year over the last couple of years. When you think about the fact that your casual now just taking work when when it's on offer and when you wanna take work, do you feel like there's an income that you're probably going to have earned for this year, or are you just wanting me to leave that blank for the time being? What would you say about the income aspect? Yeah. Maybe just leave it blank until I can sort of get out. This is from, Yep. you know, June 30 to June 30 you're talking or Yeah. the Yeah. Yeah. yeah. Or even this financial year, are you sort of thinking income you might take a bit more work and you might be able to make that 70 odd thousand again this year, or do you think that might be you're just not really sure what's to come that it could be up in the air? That's right. Yep. Yeah. I'm I'm I'm Yep. not sure if we'll get to that to that amount, but it's Yep. possible for the financial year for sure. So Yep. No. That's okay. When we think about because with the employer contributions, we haven't sort of seen any employer contributions going into the super since July. I wanted to sort of look at updating the advice. And if you go to the next document there, you can see all the individual investments Mhmm. within your super fund. But there are a few that are a little bit down this year, so markets have been up and down with everything that's been going on globally. And a few of those investments I wanted to look at, maybe replace them. To give you a little bit of an idea of what I've been sort of thinking about doing to help you along is you've got the first investment there, the Benelong Australian Equities. Now that investment is more of an actively managed fund. Within a portfolio, you do tend to pay a little bit more in fees to be able to have those sorts of managers in there. If you are open to, I could look at maybe removing that out because it is underperforming a little bit within your portfolio, and I could look at replacing that with a maybe a cheaper investment to lower the investment fees a little bit for you. Is that something you'd like me to look at? And is there yeah. Is there possibilities of still good performance with this other investment that you're alluding So BANALON to? yeah. With the new one, I wanted to replace BANALON with? Yeah. Yeah. Absolutely. So, Ben along that investment has had some underlying issues. The investment manager hasn't been able to outperform against the market, essentially, and that's what an active manager is trying to do. They're trying to buy and sell and pick investments and time the market. And they don't always outperform against the market.","start_word":3750,"end_word":4297,"sentiment":"neutral","sentiment_score":0.005315308529632098},{"text":"There is a bit more risk with those because you they are you know, they tend to underperform more often than not.","start_word":4298,"end_word":4319,"sentiment":"negative","sentiment_score":-0.3781187236309051},{"text":"With the other investments I'm looking at replacing it with, it's more of a passive fund. So it tracks a certain indices. It should have a bit more investments. It might be tracking, you know, two or 500 different investments, so it provides more diversification.","start_word":4320,"end_word":4364,"sentiment":"neutral","sentiment_score":0.17056336998939514},{"text":"We'll obviously replace it if it's been performing better than what Bennelong has over the past couple of years as well.","start_word":4365,"end_word":4385,"sentiment":"positive","sentiment_score":0.38515952229499817},{"text":"So we do look at past performance to sort of see what can be expected in the future.","start_word":4386,"end_word":4403,"sentiment":"neutral","sentiment_score":0.2835537791252136},{"text":"But, yeah, it's also cheaper. So saving on, you know, investment fees and things like that could also mean less money going out of your fund, which means more money staying in your super, which could provide benefit down the track.","start_word":4404,"end_word":4444,"sentiment":"positive","sentiment_score":0.5759764909744263},{"text":"It doesn't really talk about the investment fees for that that Benelon thing. How how come it doesn't tell me the fees for that anyway? No. This report doesn't. This report looks at your super, how much is essentially, how much you had last year, the buyers, the sales, the market value, the income. It's an internal rate of return port, so it doesn't necessarily tell you everything has been going out. It's about what's being generated within the report as in or within the fund, essentially, how the investments have performed. Yeah. But essentially, Yeah. how the investments have performed. Yeah. But if you So like, I we could need update the advice to reflect that and show you what that would look like. With fees of of, yeah, of those particular Yeah. I correlate all portfolios and yeah. yeah. Yeah. I correlate all of that as part of the advice document. If you remember back to the last advice document I did, we provide that projection table, which outlines the admin fees, investment fees, and all those sorts of things for the different portfolios that Yeah. we are recommending. Yeah. So I can do something very similar for you. I can make a recommendation on altering these investments. I'll show you your current scenarios, your current projected outcome with the current portfolio you're in, and also what I'm recommending side by side so you have that comparison in the advice document to kind of make your decision. Does that sound like something you'd be open to? Yeah. Look. If it's not too much trouble, I guess it's No.","start_word":4445,"end_word":4714,"sentiment":"neutral","sentiment_score":0.03063113863269488},{"text":"sounds No.","start_word":4715,"end_word":4716,"sentiment":"negative","sentiment_score":-0.4389645755290985},{"text":"beneficial. That's what you pay us for. Absolutely. Definitely. Yeah. Yeah. Okay. Never too Yeah. much trouble. Absolutely. Alright. I'll Well, it do sounds that for you. yeah. Yeah. When you said just a keyword, you said there was it was a passive sort Yes. of life changing from the Benelung to a more passive sort of Yep. diversified managed fund, I guess, we'll call it. But what does does that, is it the same sort of growth sort of structure? I know that I was sort of in that aggressive growth. When you say passive, does it sort of Yes. is it become more of a passive and sort of and what what would you call it? Conservative sort of fund or something as well? Yeah. I can certainly show you what that looks like. If you go to the next document for me, you've got the 2026 Vanguard index chart there. Or oh, yeah. Yep. Yeah. So this shows you how the markets have reacted over the past thirty years. So when we sort of look at different investments, and I think what you're sort of finding out is whether whether the passive investments can obtain the same sort of growth that that active managers can obtain. Is that sort of what you're asking? Yes. Yep. Yeah. Yeah. Absolutely. So with this sort of investment, this is tracking how the market has performed in different investments. So one of the things that we look at when we are investing, and there's different ways to do so, the first thing is growth and defensive investments. So on the side here, you'll see US shares, Australian shares, international shares, and listed property. These are all growth assets. Within a portfolio, you can have actively managed managed funds like a Bannalong and Alfiniti and loads lots of other ones out there, and they are all growth assets. You can also have passive investments. And within your portfolio at the moment, you've also got the S and P 500, so the iShares S and P 500 ETF.","start_word":4717,"end_word":5061,"sentiment":"neutral","sentiment_score":0.09097222409386566},{"text":"Now that investment is still a growth investment. It still fits in this US shares and international shares spectrum. It's still a growth asset that, like, gets really good returns, but it's also a passive man passively managed fund in the way that the investment committee is just tracking the top 500 companies on The US.","start_word":5062,"end_word":5117,"sentiment":"positive","sentiment_score":0.3992364704608917},{"text":"It's tracking the index to the S and P 500. What? That makes Yep. the investment cheaper to hold because they're not buying and selling within the investment as much. They're just tracking the industry. However, the the maker of the indices of the S and P 500, they meet every quarter, and certain companies in order to be in the S and P 500 actually have to meet a certain criteria. If a company no longer meets that criteria, they are removed from the index, and therefore, they are also moved from the S and P 500 investments that are tracking that indices. So it's kind of a flow on effect. But the main difference between passive passively managed funds and actively managed funds is that passively managed funds are tracking a certain index or the market as a whole. There's less trading going on. And longer term, when you think about the last sort of thirty or forty years, quite often, bidding in a passively managed fund actually outperforms an active manager because an active investment manager is trying to pick and time the market. They're trying to choose what investments to buy, when to buy into them, how much to buy into them, and they're trying to outperform against the market.","start_word":5118,"end_word":5331,"sentiment":"neutral","sentiment_score":0.12417533993721008},{"text":"So they're trying to show that they're smarter than the market as a whole.","start_word":5332,"end_word":5345,"sentiment":"positive","sentiment_score":0.4866683781147003},{"text":"The problem Yeah.","start_word":5346,"end_word":5348,"sentiment":"neutral","sentiment_score":-0.30034512281417847},{"text":"we have with people trying to trade against the market and, you know, try to outperform against the market is that 99% of what happens in the market is human emotion, and you sort of know that yourself.","start_word":5349,"end_word":5386,"sentiment":"negative","sentiment_score":-0.49027714133262634},{"text":"When you sort of look at the markets going up and down, when we see the green numbers and we see that the market's going up and we've made money, it makes us feel really good that we're doing that things are working really well, and we're happy with that.","start_word":5387,"end_word":5436,"sentiment":"positive","sentiment_score":0.3751567602157593},{"text":"However, when the market takes a little bit of a dip, we tend to feel a little bit nervous that can you you know we don't like to see the red numbers. We don't like to see things going down. It can make us feel very nervous, especially as we get closer to accessing our super.","start_word":5437,"end_word":5492,"sentiment":"negative","sentiment_score":-0.4568619430065155},{"text":"So that's the same as everybody else that invests. When someone sees something going down, well, I hear news that's concerning, they may start to sell. Then somebody else does the same thing. Then somebody else does the same thing, and it starts a big flow on effect. And that's where those big sales come from. It starts Yes. where Yeah. someone or, you know, a few The people meteor. start to sell Yeah. off because, yeah, people hear things that make them concerned. They sell the investments, try and submit to take those gains that they've made. And then other people see the investment going down, and they get a bit weary and concerned, and they start to sell as well.","start_word":5493,"end_word":5614,"sentiment":"neutral","sentiment_score":-0.08436040580272675},{"text":"My job is to stop you from making those sorts of sales.","start_word":5615,"end_word":5626,"sentiment":"negative","sentiment_score":-0.3686397671699524},{"text":"Because as the investment is going down, Mhmm.","start_word":5627,"end_word":5634,"sentiment":"neutral","sentiment_score":-0.28515705466270447},{"text":"the more people that sell that investment, they start to submit they start to cement those losses where they're not making any money.","start_word":5635,"end_word":5657,"sentiment":"negative","sentiment_score":-0.4655265212059021},{"text":"And if you're continuously selling investments when they're decreasing in value, then well, when the market's going down, then you're never actually gonna make any money. What we try to look at doing with you is keeping you invested through those downtimes, keep those contributions going in when they are. And it's not just the contributions. It's also the income. So the investments that we invest you in, they produce dividends. Those dividends are paid into your cash account and reinvested back into your portfolio, and that also helps with the compounding effect of reinvesting.","start_word":5658,"end_word":5752,"sentiment":"neutral","sentiment_score":0.041114311665296555},{"text":"And income is still a good a good way to produce growth and keep your super working harder even when you're maybe not working or not getting contributions. So your super still can work, albeit contributions are still better to put in there to help it along. But when it isn't getting contributions for a time, as long as you're able to get income on a regular basis and reinvest that income, your super can still work and grow.","start_word":5753,"end_word":5831,"sentiment":"positive","sentiment_score":0.39774245023727417},{"text":"But, essentially, we wanna stop you from sort of making those rash decisions and selling when the market is going down because we want you to hold through that time. And with your portfolio at the moment, you're in that high growth environment that generally sees when you look at this report here, that sees 90% of your super invested in US shares, Australian shares, international shares, and listed property. That's 90% in those higher risk investments that can get greater potential returns over the longer term, but do see the ups and downs in the short term, which makes us feel very nervous. And Yeah. then you also see around about 10% in low risk defensive investments. So if you look at the bottom, that's like bonds. Essentially, you'll see the bonds over the last thirty years averaged about 5.2%. It's a much smaller return, but it hasn't gone up and down as drastically. That line is fairly steady. So you have some growth assets, some defensive in assets that makes up the risk level of your portfolio. But then the other layer to your risk level is whether you're having active managers in there, passive managers in there, or how your portfolio is structured and diversifying. So spreading your risk level across lots of different countries, different industries, different asset classes as well. Does that make sense? Do you have more questions? You're welcome to let me know if you do. No. No. It makes sense. I sort of yeah. I couldn't reiterate what you said, but I'm sort of following along. The only Yeah. question I thought with the active as opposed to passive Yeah. investments, is there more fees with active investments? I mean, if you're Mhmm. buying Yeah. and selling on the markets and what's hot and what's not, isn't there fees for all these transactions too and they would add up or Yeah. substantial? So the yeah. So you do that's part of the investment phase, essentially, when you're investing into a portfolio or into a manager.","start_word":5832,"end_word":6174,"sentiment":"neutral","sentiment_score":0.01347075908753},{"text":"And that's where if you wanted to look at something a bit cheaper, I could look at keeping you in that high growth environment as long as you're still comfortable with that. And, also, just alter your portfolio so that we maybe have some cheaper investments, which might reduce your investment fees, but still provide good performance over the longer term.","start_word":6175,"end_word":6235,"sentiment":"positive","sentiment_score":0.3895605504512787},{"text":"Yeah. Well, at least the investment fees are kind of significant, particularly at the moment with my contributions being lower. Maybe Yeah. that's another way to look at mitigating, you know, the costs in there, Yep. which is insurance and fees, I guess. So, yeah, Yep. just Absolutely.","start_word":6236,"end_word":6283,"sentiment":"neutral","sentiment_score":0.17968571186065674},{"text":"That's okay.","start_word":6284,"end_word":6285,"sentiment":"positive","sentiment_score":0.35350871086120605},{"text":"I do have a couple of different options that a I've sort of been looking at.","start_word":6286,"end_word":6301,"sentiment":"neutral","sentiment_score":0.2559789717197418},{"text":"One of them is a wholly passive fund, which has good returns in the past. It can definitely lower your investment fees fairly significantly.","start_word":6302,"end_word":6325,"sentiment":"positive","sentiment_score":0.4142262935638428},{"text":"thought. Or I do have a portfolio that has a little bit of active management in it. Which way would you prefer to go investment wise? Do you wanna see a little bit of active management but try to reduce fees where possible, or would you like to go full passively managed fund and try to reduce fees as much as possible? What would you prefer? I'd probably like to see the comparison. Like, you know, I don't know. I mean, isn't the market just warming up again? We've had a downturn and, you Yeah. know, The just downturn wasn't overly bad. It was only I think we only really dropped about a three percent drop. So the market is still very heavily overvalued. It's still doing quite well. We have seen the ups and downs this year, but as a whole, we're still seeing a lot of growth there. My job as the adviser, unfortunately, is to make the recommendation and choose one of the options that suits your goals. So I don't provide the advice giving you the two different portfolios and letting you choose which one's preferable. I've gotta kind of make that recommendation for you. Yeah. I personally sort of talking from where you are. The way I sort of see things for yourself is, I mean, looking at your age at the moment, are you still wanting to access super around about 60 or 65? What is your goal there at the moment for accessing your super? Look. It really is going to depend once you get into that that decade of the sixties, but probably 65. I mean, there's no fees Yep. accessing it then. And, yeah, I guess, Yep.","start_word":6326,"end_word":6611,"sentiment":"neutral","sentiment_score":0.04160616529936141},{"text":"yeah, that would be ideal, wouldn't it? I think there's a big fee saving accessing it up, you know, 65 or 67. So Well, yeah. you can actually access super from the age of 60. As long as you are fully retired, they'll let you access all of your funds completely tax free.","start_word":6612,"end_word":6664,"sentiment":"positive","sentiment_score":0.4089115560054779},{"text":"The Yes.","start_word":6665,"end_word":6666,"sentiment":"neutral","sentiment_score":0.29466578364372253},{"text":"alternative is 65.","start_word":6667,"end_word":6669,"sentiment":"positive","sentiment_score":0.33425867557525635},{"text":"They'll release your funds a 100% tax free regardless of whether you're working or not. And currently, the age 67 is if you're eligible able to access the the age pension. So, realistically, you could retire from 60 onwards if you would like to. But if you're happy with 65, are you comfortable with me leaving that as your goal for the time being? Yeah. I think so. Yep. Yep. That's okay. So just sort of talking about where things are at, I think one of the things that feels really important to you, and please correct me if I'm wrong, but it feels that the fee aspect is probably the biggest thing because you are working casually. Haven't really got contributions going, and reducing fees as much as possible feels like it's Well, more appropriate to you. Are you am I on the right track with that? Is there anything that you would alter or change or correct me if I'm wrong. reducing fees as opposed to something else. I think it's still that high growth I'm interested in, but then I guess Yeah. reducing fees and so forth. Yeah. I'm still interested in that high growth for a few more years anyway until Yeah. You until yeah. the Absolutely. capital seems, you know, a little bit more, you know, cautious Mhmm. for preservation. Yeah. I don't know. Yeah. I mean, we can Yeah. still definitely keep you in the high growth risk profile. Keep that asset allocation.","start_word":6670,"end_word":6918,"sentiment":"neutral","sentiment_score":0.13486678060518212},{"text":"That's no problem, but still reduce fees and and try to make the portfolio cheaper. I definitely have some ways that I can incorporate that for you.","start_word":6919,"end_word":6945,"sentiment":"positive","sentiment_score":0.3846195340156555},{"text":"Yep. I'm just sort of looking at the way I sort of see things for you. And please, as I said, correct me if I'm wrong, but I feel like going in a bit more of that passive direction, lowering the risk of your portfolio as much as possible, keeping you with that high growth asset allocation, and lowering fees as much as we possibly can feels like it's more the right direction for you, especially as, you know, you're not contributing as much at the moment, but also focusing on income production within those investments, trying to get as much income out of them as possible. Am I on the right track? Is there anything you would change with that? Look. I mean, if I was much more savvy and spent an hour doing this a day, I would probably invest in organizations, not just the top 500 through that passive investment, but, you know, businesses that I valued or had a moral connection with ultimately, but I don't have that capacity. So I stay away from that moral compass with that. But, Yep. yeah, no. I'm happy just to I think the passive, you know, just to reiterate what you said, yeah, that passage sort of Investment. investment approach and looking at that top 500 Yep. businesses and and and and less sort of buying and selling and, yeah, a bit of a fee sort of a fee mitigation Mhmm. strategy or something. Yeah. Yep.","start_word":6946,"end_word":7192,"sentiment":"neutral","sentiment_score":0.08458926528692245},{"text":"Absolutely. I like that. Fantastic.","start_word":7193,"end_word":7197,"sentiment":"positive","sentiment_score":0.5562583208084106},{"text":"Well, that's what I'll sort of focus on looking at for you. I do know you sort of made mention to me that you wanna stay in that high growth environment a little bit longer. And, realistically, you absolutely can.","start_word":7198,"end_word":7237,"sentiment":"neutral","sentiment_score":0.2569659948348999},{"text":"That high growth portfolio happily suit someone who has at least eight years before accessing their super. You do have that ahead of you. It is absolutely fine.","start_word":7238,"end_word":7265,"sentiment":"positive","sentiment_score":0.6936555504798889},{"text":"The only set of questions I would ask just to sort of gauge your risk tolerance there is the first one here is basically asking how much risk do you think you're comfortable taking in order to get those higher potential returns. Are you comfortable taking the highest level of risk? Are you comfortable with setting a medium or moderate amount of risk or no risk knowing the returns are lower. You can go in between those if you'd like to as well. Where do you think you Probably fit the highest amount on of risk for that the time being. scale? Yeah. Yep. Yep. Yep. Absolutely. The next one here is is if we did see a large market dip in the future and your portfolio fell by, say, 20%, how do you think you might be feeling? Are you possibly taking it as a buying opportunity and putting some more money into the market? Are you a bit concerned? You'll maybe hold and wait and call us and see what we suggest you do, or are you feeling a little bit more anxious and wanting to maybe sell the investments to cash? How do you think you might react? I think I was, yeah, certainly utilize. I view financial as a first thought. If I had, you know, as to within six months, a 30% drop or 20% or whatever. Yeah. I guess just to hear what's happening and yeah. Yep. Maybe call us. Yep. Yes. Yeah. Yep. For sure. That's Yep. okay. Not a problem Yeah. at all. And the last one here is seeing market drop. So seeing your portfolio take a bit of a dip due to what's happening globally, do you feel a bit optimistic about the investment opportunities? Are you feeling a bit cautious, concerned, or anxious about the ups and downs in the market? How do you think you might Sorry. What was the first part of the question? feel? That's okay. When you think about market dips due to what's happening globally, do you think when you see your super falling value because of what's happening so say Trump went out and tweeted something tomorrow when we saw a market dip again. Are you feeling optimistic about the investment opportunities? Are you cautious, concerned, or feeling very anxious? How do you think you might feel? Probably more optimistic. I know it's just Yeah. It's just Yep. emotions as you highlighted initially. So, yeah, it wouldn't Yep. bother me at all, to be No. honest. That's okay.","start_word":7266,"end_word":7690,"sentiment":"neutral","sentiment_score":-0.04830291930366965},{"text":"Absolutely fine. Beautiful. Fantastic.","start_word":7691,"end_word":7694,"sentiment":"positive","sentiment_score":0.5171006917953491},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever borrow from a bank or financial institution in order to, say, buy property? What do you think about that? Yeah. Look. I've thought about them both. I'm sure I understood it more. But yeah. Yeah. I've certainly thought about it in the past. Yep. Yep. That's okay. Yeah.","start_word":7695,"end_word":7771,"sentiment":"neutral","sentiment_score":0.030549582093954086},{"text":"Excellent. Thank you for that.","start_word":7772,"end_word":7776,"sentiment":"positive","sentiment_score":0.5857049226760864},{"text":"Now you have still scored in that high growth environment. And as I kinda may have mentioned, you've got more than ten years before you're wanting to access your super. That high growth environment does suit someone who's got about eight years. Yep. Essentially, you are looking to try and obtain, you know, around about and this is just a risk profile return. We obviously wanna get the best we can out of our super, but, you know, compounding about a eight to 10% on a yearly basis can get you a really good position at high growth environment, and we do expect a negative a negative year around about one in every five years as an expectation. Do you still feel fairly comfortable within that sort of environment? I do. Yeah. Yep. Yeah. Beautiful. Do you have any questions about any of that at all, so far, Jay, for me? No. I don't. I know. No. No? Nothing That's with those okay. things. Well yeah. Beautiful. So just kind of looking at that last document, what I'd sort of like to do is maybe look at replacing the Bannalong. I can also see a couple of other investments in there that could definitely have a bit of an update, you know, within your portfolio that the India investment hasn't really held strong this year. It's showing a little bit down, and the government is phasing out some of those bank hybrids down the track as well. So I'd love to go back and just review your entire portfolio, make some updates and changes to that to sort of keep it working a bit harder for you, but also look at lowering the cost where possible and removing some underperforming investments. Does that make sense? Are you comfortable with that? Do you have any questions at all? No. No. Thanks, Ben. It sounds That's okay.","start_word":7777,"end_word":8091,"sentiment":"neutral","sentiment_score":0.019239431380161216},{"text":"like a good plan.","start_word":8092,"end_word":8095,"sentiment":"positive","sentiment_score":0.3995409905910492},{"text":"Yeah. Yeah. Yeah.","start_word":8096,"end_word":8098,"sentiment":"neutral","sentiment_score":0.23640117049217224},{"text":"Beautiful. Fantastic.","start_word":8099,"end_word":8100,"sentiment":"positive","sentiment_score":0.6614291667938232},{"text":"The next login along in that pack, if you continue to scroll for me, is the Ascendant Certificate of Currency, and that just outlines a bit more detail around your insurance policy through a sender who was MLC and a Yep. bit more detail there. So we'll get that form done to review your loadings for you. Okay? Okay. Yep. Okay.","start_word":8101,"end_word":8161,"sentiment":"neutral","sentiment_score":0.1253746896982193},{"text":"Excellent.","start_word":8162,"end_word":8162,"sentiment":"positive","sentiment_score":0.42916882038116455},{"text":"The next document along is the financial services guide for Oakview Financial, and I've given you a couple of these now. This outlines everything about who we are, what we do, and how we do it, and, obviously, the fee structure and everything moving forward there for you. Okay? Okay. Yeah. Excellent. And the last document attached is the ongoing service agreement for our services. Obviously, to be a client and have us provide financial advice and work towards your goals, you do pay us an ongoing service fee. It is 1.65% per annum. Moving forward, we will have more of a tiered structure. So once your balance gets over that $200,000 mark, we will start to reduce the percentage down. So moving forward, essentially, once your super balance hits that 200,000, you move into the next tier down, which means your balance over 200,000 drops into the tier of one 0.1375. And then once your balance is 500,000, you drop into the next tier and so on. So each tier will have a lower percentage of fee. The idea is we wanna keep things working harder and grow, but we still also have to charge for our services as a professional advice service Okay. there. The the ongoing service fee currently because your balance is under that 200,000, it is set at that 1.65%. You've just got on the fee agreement here, the expectation of how much we will see for our services this year is $3,213.64 there. That's showing you what the expectation is for the ongoing service fee. I wanna make sure your super is working as hard as possible there. And in order for us to provide our services and look after everything for you, we do have to get this signed and returned. So I know there was a bit of concern around the ongoing service fees. Obviously, I wanna make sure that your super is making our fees plus additional growth on top of that. We understand that, obviously, it could be years where that doesn't happen because of how markets react over time.","start_word":8163,"end_word":8512,"sentiment":"neutral","sentiment_score":0.09382960293974196},{"text":"But if you're making enough over, you know, the longer term and seeing your balance increase, it does make the services worthwhile for you.","start_word":8513,"end_word":8536,"sentiment":"positive","sentiment_score":0.46383845806121826},{"text":"Do you have any questions about that? Does that make sense to you? Is there anything you kind of wanted to ask me? No. No. That was yeah. Yeah. That makes sense. Yep. Yeah. I guess, you know, with the overview financial services and the fees there, that was another consideration last time we spoke just about, you know, whether it was appropriate and Yeah. Yep. particularly now that I wasn't having that income that I I you know, that high income at that stage. So that will be something that I need to keep an eye on, of course, and we'll Yeah. just, you know, that, you know, that you have to do. But Yeah. No. That's it doesn't okay. mean it doesn't mean I haven't recommended Oakview to others, though, to be honest as well. So No. That's yeah. understandable.","start_word":8537,"end_word":8678,"sentiment":"neutral","sentiment_score":-0.0017613241216167808},{"text":"So Absolutely. Yeah. And I wanna make Yep. sure that you're getting the value out of that as well.","start_word":8679,"end_word":8697,"sentiment":"positive","sentiment_score":0.5213078260421753},{"text":"So because Yeah. there's a lot changing and going on in your life, we'll make sure that I update this advice for you in the next few weeks, and then we'll come back and do a catch up, you know, every three to six months depending on what you're comfortable with, and we can just keep reviewing things moving forward for you. How does that sound?","start_word":8698,"end_word":8763,"sentiment":"neutral","sentiment_score":0.08080362088300964},{"text":"Sounds good, Dana. Thank you.","start_word":8764,"end_word":8768,"sentiment":"positive","sentiment_score":0.6302953958511353},{"text":"Yep.","start_word":8769,"end_word":8769,"sentiment":"neutral","sentiment_score":0.303041934967041},{"text":"That's okay. Not a problem at all. That is essentially all the documents in there, so you're welcome to take them back and have a good review of the documents. Once you're comfortable with doing so, I'll get you to sign and return those back just so I can move forward and provide the advice for you.","start_word":8770,"end_word":8826,"sentiment":"positive","sentiment_score":0.3847163021564483},{"text":"I just needed to update a couple of additional things for you here as well. So when I'm looking at the advice, because you are working casually, and we're not really sure of what kind of contributions are expected in the fund over the next sort of couple of months, I'd like to update the advice and maybe consider no additional super contributions going in. That way, we can sort of look at what, you know, the expectation is around the growth need and that sort of thing with the portfolio and how that looks as a whole minus contributions. Are you comfortable with that? Is there any, you know, set amount you'd be comfortable putting in the super? What's your thoughts around that? Yeah. So you so that's just in the overview financial advice. So sort of in their spreadsheet Yeah. or whatever. Yeah. Because Yeah. we normally have projected projected outcomes, we normally account for your ongoing employer contributions. But because you're working very casually at the moment and there's no real set contributions going in, it does make it hard to kind of predict what those are going to be moving forward. So I sort of wanted to look at maybe not accounting for any contributions, but look at the projected out the projection table based on your current portfolio plus what we're recommending with no contributions going in. Alternatively, if you wanted to maybe look at making some contributions out of your savings, I could, you know, recommend, you know, 20 a week or 50 a fortnight or a month. Is there anything what would what do you think about that? Look, I think what you sort of intuitively alluded to at the start was probably the best bit to say no contributions. Yep. I am aware of putting money into super and, you know, Yeah. in all aspects that it's, you know, really important to keep doing that. Yep. But, yeah, if that changes, and it and it may very well by the next Yep. time we speak. So, yeah, we can just update it then once Absolutely. yeah. Yeah. Definitely. Let me speak And some if more if clear. you do have yeah. Of course.","start_word":8827,"end_word":9197,"sentiment":"neutral","sentiment_score":0.0017562674062271324},{"text":"And if if you do find that you are starting to get contributions in or taking on more regular work, if you could just let me know prior to the next call, that'd be fabulous, and I can always just go back and update that for you.","start_word":9198,"end_word":9244,"sentiment":"positive","sentiment_score":0.3485631048679352},{"text":"It's not a problem at all. Okay? Yeah. No worries.","start_word":9245,"end_word":9254,"sentiment":"neutral","sentiment_score":0.26697859168052673},{"text":"Thanks, Dana. Excellent.","start_word":9255,"end_word":9257,"sentiment":"positive","sentiment_score":0.5704679489135742},{"text":"Because that's That's all. okay. Not a problem at all. The other things I had here to note down was your we had two cars noted. I do apologize. I don't have it doesn't say what cars they are. But your car, one of them was valued at 10,000 last year. With your vehicles, which one would you value at 10,000, and what kind of car is it? I've only got one car, so that I I think that Yep. must be quite out of date there. Let's get rid of Let that. me That's absolutely show that. fine. Yeah. That's the Pajero Yeah. or something. Yep. Yeah. I've got a Toyota Kluger two Yep. thousand 18 or 17. Beautiful. Yeah. It's probably probably valued at 20,000, let's say. Yep. Beautiful. And do you have a loan on that vehicle, or is it owned outright? No. I do have a little bit of a loan on that. Yeah. Okay. I think that's the one we had last year. We had about 19,000 It's owing on it. How much do you owe on the car now? probably that amount because I know when I did the math on it, most of the insurance was well, interest I was paying in the first year or so. Yeah.","start_word":9258,"end_word":9472,"sentiment":"neutral","sentiment_score":-0.018675565438041854},{"text":"So I don't think it's gone down terribly much.","start_word":9473,"end_word":9481,"sentiment":"negative","sentiment_score":-0.4428675174713135},{"text":"Nope. Yeah. That's okay. I've got your savings noted down here, and you're renting where you are currently at the moment. How much rent are you paying on a weekly or fortnightly basis? About 200 a week. Yeah. 200 per week.","start_word":9482,"end_word":9522,"sentiment":"neutral","sentiment_score":0.05072714015841484},{"text":"Beautiful.","start_word":9523,"end_word":9523,"sentiment":"positive","sentiment_score":0.5576267838478088},{"text":"And is there any other assets or liabilities or anything else you would not wanna note down on here? Yeah. The child support that I I pay sort of changes depending on how much I'm working as well. Yep. But so at the moment, it's only about $300 a month, but it has gone up to $1,200 a month to last year. So it does vary a bit. Yep. That's okay. Yep. That's How much it. are you paying at the moment? I'm so sorry, Jay. The phone just cut out a little bit. How much are you paying per month at the moment? $300? 300. Perfect. I'm so sorry. I was trying to hear what what it was, and I missed it. I'm so sorry about that. No. That's alright. I don't know. My reception's Per a little month. call with you without the Internet backup. Yeah. No. That's okay. Look.","start_word":9524,"end_word":9675,"sentiment":"neutral","sentiment_score":-0.04913775622844696},{"text":"We've done well. We've kept it going through the entire time. It's fantastic. It's Yes. fantastic.","start_word":9676,"end_word":9691,"sentiment":"positive","sentiment_score":0.4947371482849121},{"text":"Yeah.","start_word":9692,"end_word":9692,"sentiment":"neutral","sentiment_score":0.26431846618652344},{"text":"Excellent.","start_word":9693,"end_word":9693,"sentiment":"positive","sentiment_score":0.4145430326461792},{"text":"And I've just also got down here that we don't have you haven't had a will or power of attorney drawn up with a solicitor. Have you thought more about doing that since our last conversation, speaking to a solicitor, having a will, power of attorney, and things drawn up? I haven't. No. I No. yeah. That's all. No. That's okay. It is definitely Yeah. something to consider doing. Yeah. Just Yeah. making sure that, you know, if anything happened to you, that everything you've worked hard for, I know it doesn't feel like a lot, but when you think about your savings account, your cars, any family heirlooms, or things that you own that you might want directed to a certain person, having your will drawn up can do that for you. There Yes. are also state trustees that can drop wills online or over the phone just as easily. I can find out the information in regards to your state if you like and email that through to you just as a bit of a general email. Would you like that information? No.","start_word":9694,"end_word":9878,"sentiment":"neutral","sentiment_score":0.09173322682445112},{"text":"I would never use State Trustees, to be No.","start_word":9879,"end_word":9887,"sentiment":"negative","sentiment_score":-0.35038086771965027},{"text":"honest with That's you. okay. But no. Look. It's just something I've gotta do.","start_word":9888,"end_word":9901,"sentiment":"neutral","sentiment_score":-0.13927048444747925},{"text":"So good to, Yep.","start_word":9902,"end_word":9905,"sentiment":"positive","sentiment_score":0.34572646021842957},{"text":"yeah, to give me a prod there, and I'll have a look at that again too.","start_word":9906,"end_word":9921,"sentiment":"neutral","sentiment_score":0.21604256331920624},{"text":"So good thoughts.","start_word":9922,"end_word":9924,"sentiment":"positive","sentiment_score":0.4625365734100342},{"text":"Yep.","start_word":9925,"end_word":9925,"sentiment":"neutral","sentiment_score":0.23384839296340945},{"text":"Absolutely.","start_word":9926,"end_word":9926,"sentiment":"positive","sentiment_score":0.43592825531959534},{"text":"And I've got your beneficiary nominations on your super and your life insurance. So 50% paid to Dylan and Toby in the event that anything happens to split to both your children. Is that still how you want that set up? Yeah. At this stage. Yeah. Yep. Yep. Yep.","start_word":9927,"end_word":9975,"sentiment":"neutral","sentiment_score":0.206662192940712},{"text":"Absolutely. Perfect. Well, that's basically everything there. Thank you so much for your time.","start_word":9976,"end_word":9989,"sentiment":"positive","sentiment_score":0.5782343149185181},{"text":"The only other thing I sorta wanted to touch base on, I'm looking at, you know, your retirement age at age 65 currently. From everything we've discussed, we'll go back and review the super, remove any underperforming investors, and look at updating things, reducing fees within the portfolio a bit, look at no additional contributions into the fund, and look at what that can do moving forward to assist you. You're happy with your life and TPD, not wanting to look at any additional insurances at the moment. Is there any other goals in the short term or medium term that you wanted me to sort of note down for you? Or No. Nothing that jumps out no? financially with super particularly, but No. That's Yeah. okay. I've I've put down here that you are continuing to study and in the medium term looking to, you know, possibly have a career change. Obviously, we can't provide advice around that currently, but is that something that yeah. That's sort of still a medium Yeah. That term goal that that's there for appropriate. you? Sure. Yeah. It is. Yeah.","start_word":9990,"end_word":10176,"sentiment":"neutral","sentiment_score":0.08969405289480394},{"text":"Beautiful. Yeah. Excellent. Lovely.","start_word":10177,"end_word":10180,"sentiment":"positive","sentiment_score":0.5603311061859131},{"text":"Is there anything else that you might sorta have down that you might wanna know as a goal? Doesn't have to be financial. It can be anything at all. No. Not not really, No. Diana. But that's That's that's okay. probably all, yeah, that Yep. Absolutely. I'm working with. Yep.","start_word":10181,"end_word":10230,"sentiment":"neutral","sentiment_score":0.11086520552635191},{"text":"Beautiful.","start_word":10231,"end_word":10231,"sentiment":"positive","sentiment_score":0.4933408498764038},{"text":"Not a problem. And in the short term, we'll get that form done up for the insurer for a sender there to see if we can have that loading re reviewed for you as well. Okay?","start_word":10232,"end_word":10267,"sentiment":"neutral","sentiment_score":0.17942754924297333},{"text":"Excellent. Thank you. No problem at all. Thank you so much for your time this morning, Jay. I really appreciate it. I want to bring your annual review forward, really look at things for you and update the advice.","start_word":10268,"end_word":10306,"sentiment":"positive","sentiment_score":0.496650755405426},{"text":"I know you you have had some concerns over the past, so I wanna make sure that we're supporting you and alleviating those where possible. I will book you in now to go through that advice document in a couple of weeks there. Do you know sort of what the calendar might look like? Are you happy with me rebooking that time now for you in a few weeks? Yeah. That's fine. We could stick Yep. sort of same time on the same day. It'd be fine. I'm sure. Yeah. Absolutely. So now I am taking a little bit of a break. I'm so sorry. I'm taking my son away in the next two weeks, but I will be back early so the last week of September, early October. Just looking at the time frame to do the research for you. I could book you in on Wednesday, October 7. Would that be okay that we do the same time, 08:00 in the morning to go through the advice? Yep. No. That'd be fine. Yeah.","start_word":10307,"end_word":10481,"sentiment":"neutral","sentiment_score":0.05677250772714615},{"text":"Thanks. Fantastic.","start_word":10482,"end_word":10483,"sentiment":"positive","sentiment_score":0.42050376534461975},{"text":"I'll add a little text message reminder there for your day. So it does remind you on the or the day before that, I'll be giving you a call. If anything does come up, please do let me know. Not a problem at all. And in the meantime, I'll go and do that research and update the advice, and we'll go through things to reflect. Okay? Okay. Actually, Danny, you might want if we put the from the October 7, we'd probably put that back from 08:00 till 09:30 or nine or something. Yep. Just as I do, I will have the boys on that morning So myself. oh, Yeah. okay. No. Not a problem. That'll actually be 10:10 thirty my time, which I do have an appointment already booked for. Could I maybe Oh, make okay. it the no. That's okay. Could I maybe make it the the the Thursday morning instead? And I could happily do the the later time for you. Yeah. That'd be fine. Or anytime. The earliest time's fine too Yep. on the Thursday. Yeah. That's okay. And did you did you want 08:00 your time? Or Yeah. Do 08:00 my time.","start_word":10484,"end_word":10680,"sentiment":"neutral","sentiment_score":0.08827190101146698},{"text":"That'd be great.","start_word":10681,"end_word":10683,"sentiment":"positive","sentiment_score":0.410462349653244},{"text":"yep.","start_word":10684,"end_word":10684,"sentiment":"neutral","sentiment_score":0.20305362343788147},{"text":"Beautiful.","start_word":10685,"end_word":10685,"sentiment":"positive","sentiment_score":0.4025538563728333},{"text":"That's 09:00 my time. So I'll pop that in there for you. Sorry about that. Daylight savings will have started at that time, so Yeah. Willard we're Finance. back to it.","start_word":10686,"end_word":10716,"sentiment":"neutral","sentiment_score":0.06285673379898071},{"text":"Beautiful. I've booked that one in for you.","start_word":10717,"end_word":10724,"sentiment":"positive","sentiment_score":0.49000033736228943},{"text":"I'll send a text message reminder so it'll let you know that I'm calling. If anything does come up, you're welcome to let me know. Okay? Okay.","start_word":10725,"end_word":10751,"sentiment":"neutral","sentiment_score":0.2847311198711395},{"text":"Great. Thank you, Dana. My pleasure. Thank you so much, Jay. I'll just get you to review those documents in there, and then when you're comfortable to get you to sign and return the annual review documents back to me. I really appreciate your time today.","start_word":10752,"end_word":10797,"sentiment":"positive","sentiment_score":0.5189093351364136},{"text":"Yeah. No. Likewise. Yeah.","start_word":10798,"end_word":10801,"sentiment":"neutral","sentiment_score":0.1688358038663864},{"text":"Easy. Have a good day and a good trip away with with your son. Thank you so much, Jay.","start_word":10802,"end_word":10820,"sentiment":"positive","sentiment_score":0.5003477334976196},{"text":"I'll talk to you in a couple of weeks.","start_word":10821,"end_word":10829,"sentiment":"neutral","sentiment_score":0.28543832898139954},{"text":"Thank you so much.","start_word":10830,"end_word":10833,"sentiment":"positive","sentiment_score":0.4944338798522949},{"text":"Okay. K. Bye, Donna.","start_word":10834,"end_word":10837,"sentiment":"neutral","sentiment_score":0.16248248890042305},{"text":"Thanks. Thanks. See you later. See you later.","start_word":10838,"end_word":10845,"sentiment":"positive","sentiment_score":0.588982343673706},{"text":"Bye. Bye. Bye.","start_word":10846,"end_word":10848,"sentiment":"neutral","sentiment_score":0.1673816591501236}],"average":{"sentiment":"neutral","sentiment_score":0.07630528165915529}}}}