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I've got an updated statement of advice here for you that Kyle was putting together. Are you okay to run through this with me today? Fantastic. Before I do so, usual quick checks. Are you okay for this call to be recorded? Amazing. And I am registered with ASIC as adviser one two seven three one zero five. Just for the security of your information, could you please confirm your date of birth and address? Sensational. So I'm gonna pop this through to your Gmail account. Is that still okay? That's the one. And will you be able to kinda, like, look onto the documents with me today? Awesome. So I'm gonna send this through now. It's coming through from our new CRM and your system. So it may go through to your spam box or your main box. It usually comes through pretty quickly, and it should be listed as a a few financial statement of advice. Cool. So with these emails, we've got attachments there. So the statement of advice is attached with some supporting documents for us to look onto together, and then there's a digital authorization if you're happy with the plan. So Yeah. No worries at all. Yep. I can hear you loud and clear. Can you hear me? Perfect. Perfect. So when you go into the attachments, one of them will be listed as the actual statement of advice, and it should have a beachfront city logo looking like the Gold Coast there. If you can open that one up for me. No worries. Perfect. So what I'm gonna walk you through just to start with is my details are on the front of this document registered with ASIC just because I'm the one presenting the advice just to make sure you've got all my licensing details on the front. If you can flick through to the fourth page, the one of the key areas is the scope of advice. It should be like a blue heading there on page three and four, and it's basically what we are considering to provide advice on versus what is currently out of scope for this particular document. K? Can you see that page there? Cool. So the main thing for this advice document really was a review of the super portfolio. One of the things that came up with Kyle was that you'd gone through, like, a risk profile discussion and sort of agreed to go a bit more high growth with the super at the moment, try and get some higher long term returns, especially given your time frame. Does that ring a bell? Awesome. Now we do have an ideal retirement age of 60, so trying to retire earlier rather than waiting for the age pension at 67. Does that sound correct? That'd be fantastic. Amazing. It's one of the things with Supra is we can't touch it until 60. Anything before 60, we're gonna do some investing on the side and get a bit of assets going before that. But, yep, tomorrow would be ideal. We've got actually, it's a strange question because I ask this question all the time of people, would you retire early or keep working? And I've had a fifty fifty split over the last twelve years, and half the country tells me, yep. For one, the lotto, I'd be out, and the other half is like, oh, I wouldn't know what to do with myself. I always want something to do even if it's part time. So it's an interesting one. Yeah. So have the freedom to not have to work, but then be able to do what you wanna do because not for money's sake, but because you wanna do it. Yeah. Absolutely. We have identified just estate planning wise, we've included a few reminders there just to get a will and power of attorney in place if you haven't already done so. And, yep, that's fine. Quick little info tidbit on that. Obviously, solicitors do wills, but there's also public trustees of every state. If you ever inclined to do so, like the the courthouse around Perth does appointments for wills and power of attorneys. And the Australia Post has $25 will kits and power of attorney kits as well. Yeah. They're through the government, essentially, and they're basically for basic situations. They can't do everything complex under the sun, but as long as you get them kind of witnessed and filled out correctly, they do count, and they're pretty good for people if it's just, you know, your your home, your savings, your car, your shoes, that type of thing. It won't give you a testamentary trust that triggers upon death to look after minor children, but it'll do the basic job. Yeah. And then always you can always update it. Cool. Fantastic. And I think there was a flag there for beneficiary nominations. I think based on our system, we've already been getting beneficiaries accepted through I can see a couple of them being accepted here for, like, superannuation insurances and so on. This was just based on your review discussion with Kyle. So it might be a little bit out of date, but just making sure those beneficiaries are in line with your wishes too. Right? Outside of scope for this one on the next page, so we weren't giving any insurance advice at this point. I think there's some context in here just talking about you wanting to kind of change roles over time, you're kind of comfortable with the life TPD and income protection that you have, and then possibly the next review, if you do change roles, we might need to review the cover. Does that sound right? Yep. Fantastic. Yeah. Absolutely. So if anything pops up like that, we'll obviously capture it at each annual review and ask the same questions. But if something significant changes and you wanna call in and book up an ad hoc chat, we can do so. Even if you want me to set you up with, like, a quarterly contact point just to flag things, whatever your preference is. Yep. Yep. Absolutely. Let me just put a quick note on the system there for the quarterly contact flag, and that'll give us a bit of an opportunity just to see how the portfolio is going, checking if there's anything else that we need to change. Sometimes it's just how you're going, and sometimes there's advice that we need to kind of update off the back of it. Alright. Now the rest of the areas out of scope, cash flow, debt management, and investment properties seems like something that you're comfortable to kind of manage, pay down debt, do some investing, manage your budget yourself, but I think we were sending through a bit of a budget planner for you just to use as a bit of a guide and tool. Does all that sound correct as well? You're on top of it. Yep. Perfect. I would definitely expect that because you're an engineer. Is that correct? Yep. That's why I think engineers are some of my favorite clients because you're very detail oriented no matter which area of engineering it is, and these guys have their budgeting under control. They're, like, doing a whole bunch of different things. So yep. And decent coin in engineering as well. Absolutely. Mate, if you go through the next couple of pages, there's a limited advice warning. To say we're not giving advice for everything under the sun. And if any of the information that we've collected is inaccurate, that may impact the advice. And can you just quickly look on pages seven and eight for me? We've got an about you section and your assets and liabilities. Just wanna make sure that's still pretty accurate there for your occupation, contact details, and, you know, property offset account shares, mortgage, that kind of thing. Yep. Couple of repayments off of there. Mortgage is up a little bit. And property value, I guess that's something that changes pretty frequently in this day and age. Okay. Yeah. That's what you want. Yeah. I could update them on our system if you've got them handy. $60,000 offset. Yeah. Yeah. Perfect. $6.04 5. K. Got that there. I can definitely put down $8.40 if you're comfortable with that, and we can always yep. And if you're comfortable, I can even just do the old Google afterwards and check what property.com is saying and put in the the high conviction site for that. No. Not until you're closer to retirement. If you're in your fifties, it makes a big difference. In the thirties, it's more of making sure that we've got a good snapshot of your situation. Yep. Done and dusted. That hub balance is just based on the day that we did the research. Obviously, that fluctuates every day. And you've got insurances coming out of there from TOW. That's your life, your TPD, your income protection. If you can scroll down through, we've got your risk profile on page ten and eleven. It just gives you a bit of an example of what the asset allocation might look like for that risk profile, but I'll actually take you through the proper allocation down below. And that should be on pages like ten, eleven, and 12. K. Now there's a big wordy section under strategy recommendations on page 12, which is the investment switch. Can you just pop down to there for me? Yep. So the long and short of this is that we're switching you to a high growth portfolio, bumping your growth assets up a little bit. Obviously, the pros and cons of that means more growth assets for higher long term returns. That's gonna increase your short term volatility. And there's a few pros and cons on the next page. But a couple of things in particular in the middle paragraphs, We had flagged your Benelon Australian shares option as underperforming and have gotten, like, a like for like replacement of that. Still in the active style of investment, but a little bit more affordable, better performance, but not changing the style of how your super is invested. K. Perfect. I'm gonna show you that in a second. It's actually Alfiniti. But I'll bring you down there in a moment. No. That's perfectly fine, mate. And it's one of the things where I'd love to just jump down on the document, but these, these can be a bit unwieldy sometimes. And if you're curious too, we've included PDF links in the appendix, and these are actually easily Googleable as well. So if you were to look up that bed along fund on their website and and have their own surface level snapshot of fees and performance and things like that, you would see what's been going on with that fund the last couple of years. And then when you look up this Affinity one, you can see such a stark difference between the two even just on the surface level. And then we go a little bit deeper with our research house reports as well. One of the the cons, of course, with just your portfolio in general is it's very ETF heavy, so very low investment fees going forward. But, again, anytime we do purchases, there's a tiny brokerage fee. And with Hub twenty four, it pretty well mitigates a big chunk of that through aggregated trading. So if anyone's buying what you're selling or selling what you're buying, they will switch the parcels between accounts without charging brokerage. So it reduces it by anywhere between zero and a 100%. I just can't tell you how much on any given trade. It's actually yeah. It's like market leading. It's the only one that's currently doing it. I know MyNorth is trying to do it. Netwealth hasn't done it yet, but it's really good for ETF investors. Capital gains tax has been factored in because anytime we sell off investments under the hood, because you're in a wrap platform, we can see all the moving parts. Whereas in a traditional fund, it's all just baked into a unit price. You don't actually get to see what happens underneath. So we have factored in that $600 worth of superannuation CGT and factored that into the switch as well, and that's been mostly offset by the sale of the. K? So if you go down past there, there's some warnings there. Of course, we can't control the weather in terms of the stock market, and we can't guarantee performance, but we try our best to make sure it performs better in the same scenarios that have happened previously, short and long term. And if you go down, here's your portfolio table on pages fifteen and sixteen. K? So at the very top, your BHYB, beta shares bank hybrid, that's actually being phased out by the government. So we thought we'd kinda just get ahead of the curve and switch that out for another option. There's a little bit of a rebalance between all of your investments because some of them have shot up really high. Some of them have gone a bit lower, and we just wanna bring it back to the right asset allocation. But the switch I was talking about, the main one, the third last row on that first table is the sale of your Bennelong and your ClearBridge. And you can see that in red text. It's pretty bulky, $20 and $13. And on the next page, we have the purchase of the Alfiniti Australian share fund and the JB Morgan as well. The very bottom, iShares core composite bonds. That's the replacement for those bank hybrids that are being phased out. It's just a index bond fund. But that Alfiniti one, that's your active replacement of Benelon. Yes. And it was a very strange bank bonds. It was kind of trying to treat bank bonds like a share where they hold it for, like, five years and then it converts into a share and you get, like, a higher rate of return from it, and the government just kind of phase that out as an investment instrument altogether. Yes. So if you're looking at I double h y, that's your your global high yield bond hedged with Australian dollars. So you've got hedged and unhedged versions. It's always nice to have a bit of a mix between the two. One thing that we've been looking at too is inflation linked bonds, which there is an ETF on the market for that where if inflation picks up, the bond rate pegs to it, and they increase the rate of return with the rate of inflation. So there's definitely a few floating around. Standard bonds and fixed interest, there's so many of them out there. It might be nice to do a bit of a spread. Obviously, don't spread yourself too thin with brokerage fees buying seven ETFs, but having two or three if you have enough funds there just to get a bit of fixed interest diversification can be nice. And one other quick tip is sometimes your active side of fixed interest, like the managed funds, tend to handle those low low interest rate environments really well. Like, when we were going into negative in The US and in Europe, they were switching the type of investments into corporate bonds to avoid the negative ones. But with interest rates the way they are, the standard index ones are pretty good too. That's it. Yep. Yeah. Yep. Awesome. Oh, easy done, mate. And the last thing too is just compare it against your savings rates. If the, you know, if the CBA has given you four or 5% and this bond fund's done one or two for three, five, ten, fifteen years, it's kinda like, oh, what's the point? Just make sure you compare it against something stable. Yeah. Guaranteed return. No risk. Great metric. Great metric. Alright. Last thing there, we've got the cash mixed in. Obviously, that gets rebalanced at the standard 1.25% for Hub twenty '4. And your asset allocation pie chart on the next page, it is a little bit of a bump up. I think about five or 6% in terms of growth assets and still maintaining those alternatives there for gold. Still pretty heavy in into the international side of things because the Aussie side's been a bit rough. Alright. Comparison below that. We've tried to go as conservative as possible on page eighteen and nineteen. You should see a fee comparison sort of blue table there with current recommended indifference. K. So just by switching out that investment option, investment fees go down by a couple $100 a year. We factored in the CGT. The bottom row, we have, like, the average five year performance going from about 10% to just shy of 12. And then if you go to the next page, there's a bit of a five and ten year projection there. Just a bit of an estimate for you. So I think, conservatively, I would say probably anywhere between 25 and 50,000 would be the the estimate of difference over the next five to ten years. That would be pretty I don't think that's too out of the ordinary or overshooting it too much. Again, you're gonna get those returns in high growth where it goes up 35% in a single year or we have a GFC and it kind of shoots down, and we use that as a bit of a buying opportunity, averaging out at that 12% is kind of the benchmark, and that's a bit above the 10% for high growth benchmark. One thing you can see too, annual returns, so the twelve months are a little bit lower because of the volatility we've had. And so, obviously, good time to jump in, but then it averages out better over three and five years. That's kind of the the modus operandi, if I can say that. Yeah. Well, mate, I've been doing this for 2014, 2015. I started in the industry, and the first thing I researched was the GFC in 2009. And then every year, there's just been something weird happening, whether it's a crisis in Greece or China with the banks. We've had COVID. We've got this straight of Hormuz, all these kind of things. There's always something causing fluctuations. So we just need to kind of get you the best quality investments through that ten ten year period at a time. And once you've built up enough, we can kind of start to wind back the risk in your fifties and start protecting what you've built. K. That's pretty much it for the super. Any questions for me, Brenda? Cool. The rest of the document just goes through wills, power of attorneys, beneficiaries, and so on. We've got our advice fees. The towel still pays the 22% trailing commission to look after the insurance policy. So one quick reminder I've got for you is if something does happen to you and you need a claim on the insurances, obviously, we're probably not the first people you call, but we'd like to be the second because we can help you through the claims process, help you through some advice there as well. Yes. So if you're out of work for more than your waiting period, you can do an income protection claim. If you get diagnosed with something or an injury where you can never work again, that's where your lump sum total disability cover comes in, and, obviously, if you pass away life insurance. K. There is an authority to proceed at the bottom there, so that's through that digital signing link. Basically, the steps to implement on the twenty ninth page is we get your consent first, then we can pretty much just hop on the hub and do an investment switch order. And the only thing that we can't do for you is obviously talk to a lawyer and get that will in place. Yep. Easy done. If you do have any questions on it, like, yeah, give us a buzz. We're happy to kind of talk you through it or answer any questions that we can. Cool. Mate, that's pretty much everything for me. There's a bunch of supporting documents, again, links to the PDFs. There's an appendix there. There's updated product documents from Hub, the investment menu that shows you there, 1,300 options and all the rest of it. Any questions for me before I let you go for your weekend? Fantastic. Thank you very much for that. I'll pencil you in for those quarterly catch ups. I'm personally going on a bit of leave in June. Got a got a daughter on the way to mix in with my two boys. Thank you. So three of those. And I'll be yeah. That's family building done. But we've got what is it now? May. Yeah. I'll probably be catching up with you in July or August to see how the portfolio is tracking. Hopefully, the world's settled down a tiny bit, and we can see a bit of growth out of that high growth fund. Awesome, mate. Well, have a fantastic weekend. Any questions at all, just give us a buzz. Thanks, Brandon. 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afternoon, Brandon. It's Tommy here, senior adviser from Oakview. How are you doing this fine Friday? I'm living the dream, mate. Living the dream.\n\nI've got an updated statement of advice here for you that Kyle was putting together. Are you okay to run through this with me today? Fantastic. Before I do so, usual quick checks. Are you okay for this call to be recorded?\n\nAmazing. And I am registered with ASIC as adviser one two seven three one zero five. Just for the security of your information, could you please confirm your date of birth and address? Sensational. So I'm gonna pop this through to your Gmail account.\n\nIs that still okay? That's the one. And will you be able to kinda, like, look onto the documents with me today? Awesome. So I'm gonna send this through now.\n\nIt's coming through from our new CRM and your system. So it may go through to your spam box or your main box. It usually comes through pretty quickly, and it should be listed as a a few financial statement of advice. Cool. So with these emails, we've got attachments there.\n\nSo the statement of advice is attached with some supporting documents for us to look onto together, and then there's a digital authorization if you're happy with the plan. So Yeah. No worries at all. Yep. I can hear you loud and clear.\n\nCan you hear me? Perfect. Perfect. So when you go into the attachments, one of them will be listed as the actual statement of advice, and it should have a beachfront city logo looking like the Gold Coast there. If you can open that one up for me.\n\nNo worries. Perfect. So what I'm gonna walk you through just to start with is my details are on the front of this document registered with ASIC just because I'm the one presenting the advice just to make sure you've got all my licensing details on the front. If you can flick through to the fourth page, the one of the key areas is the scope of advice. It should be like a blue heading there on page three and four, and it's basically what we are considering to provide advice on versus what is currently out of scope for this particular document.\n\nK? Can you see that page there? Cool. So the main thing for this advice document really was a review of the super portfolio. One of the things that came up with Kyle was that you'd gone through, like, a risk profile discussion and sort of agreed to go a bit more high growth with the super at the moment, try and get some higher long term returns, especially given your time frame.\n\nDoes that ring a bell? Awesome. Now we do have an ideal retirement age of 60, so trying to retire earlier rather than waiting for the age pension at 67. Does that sound correct? That'd be fantastic.\n\nAmazing. It's one of the things with Supra is we can't touch it until 60. Anything before 60, we're gonna do some investing on the side and get a bit of assets going before that. But, yep, tomorrow would be ideal. We've got actually, it's a strange question because I ask this question all the time of people, would you retire early or keep working?\n\nAnd I've had a fifty fifty split over the last twelve years, and half the country tells me, yep. For one, the lotto, I'd be out, and the other half is like, oh, I wouldn't know what to do with myself. I always want something to do even if it's part time. So it's an interesting one. Yeah.\n\nSo have the freedom to not have to work, but then be able to do what you wanna do because not for money's sake, but because you wanna do it. Yeah. Absolutely. We have identified just estate planning wise, we've included a few reminders there just to get a will and power of attorney in place if you haven't already done so. And, yep, that's fine.\n\nQuick little info tidbit on that. Obviously, solicitors do wills, but there's also public trustees of every state. If you ever inclined to do so, like the the courthouse around Perth does appointments for wills and power of attorneys. And the Australia Post has $25 will kits and power of attorney kits as well. Yeah.\n\nThey're through the government, essentially, and they're basically for basic situations. They can't do everything complex under the sun, but as long as you get them kind of witnessed and filled out correctly, they do count, and they're pretty good for people if it's just, you know, your your home, your savings, your car, your shoes, that type of thing. It won't give you a testamentary trust that triggers upon death to look after minor children, but it'll do the basic job. Yeah. And then always you can always update it.\n\nCool. Fantastic. And I think there was a flag there for beneficiary nominations. I think based on our system, we've already been getting beneficiaries accepted through I can see a couple of them being accepted here for, like, superannuation insurances and so on. This was just based on your review discussion with Kyle.\n\nSo it might be a little bit out of date, but just making sure those beneficiaries are in line with your wishes too. Right? Outside of scope for this one on the next page, so we weren't giving any insurance advice at this point. I think there's some context in here just talking about you wanting to kind of change roles over time, you're kind of comfortable with the life TPD and income protection that you have, and then possibly the next review, if you do change roles, we might need to review the cover. Does that sound right?\n\nYep. Fantastic. Yeah. Absolutely. So if anything pops up like that, we'll obviously capture it at each annual review and ask the same questions.\n\nBut if something significant changes and you wanna call in and book up an ad hoc chat, we can do so. Even if you want me to set you up with, like, a quarterly contact point just to flag things, whatever your preference is. Yep. Yep. Absolutely.\n\nLet me just put a quick note on the system there for the quarterly contact flag, and that'll give us a bit of an opportunity just to see how the portfolio is going, checking if there's anything else that we need to change. Sometimes it's just how you're going, and sometimes there's advice that we need to kind of update off the back of it. Alright. Now the rest of the areas out of scope, cash flow, debt management, and investment properties seems like something that you're comfortable to kind of manage, pay down debt, do some investing, manage your budget yourself, but I think we were sending through a bit of a budget planner for you just to use as a bit of a guide and tool. Does all that sound correct as well?\n\nYou're on top of it. Yep. Perfect. I would definitely expect that because you're an engineer. Is that correct?\n\nYep. That's why I think engineers are some of my favorite clients because you're very detail oriented no matter which area of engineering it is, and these guys have their budgeting under control. They're, like, doing a whole bunch of different things. So yep. And decent coin in engineering as well.\n\nAbsolutely. Mate, if you go through the next couple of pages, there's a limited advice warning. To say we're not giving advice for everything under the sun. And if any of the information that we've collected is inaccurate, that may impact the advice. And can you just quickly look on pages seven and eight for me?\n\nWe've got an about you section and your assets and liabilities. Just wanna make sure that's still pretty accurate there for your occupation, contact details, and, you know, property offset account shares, mortgage, that kind of thing. Yep. Couple of repayments off of there. Mortgage is up a little bit.\n\nAnd property value, I guess that's something that changes pretty frequently in this day and age. Okay. Yeah. That's what you want. Yeah.\n\nI could update them on our system if you've got them handy. $60,000 offset. Yeah. Yeah. Perfect.\n\n$6.04 5. K. Got that there. I can definitely put down $8.40 if you're comfortable with that, and we can always yep. And if you're comfortable, I can even just do the old Google afterwards and check what property.com is saying and put in the the high conviction site for that.\n\nNo. Not until you're closer to retirement. If you're in your fifties, it makes a big difference. In the thirties, it's more of making sure that we've got a good snapshot of your situation. Yep.\n\nDone and dusted. That hub balance is just based on the day that we did the research. Obviously, that fluctuates every day. And you've got insurances coming out of there from TOW. That's your life, your TPD, your income protection.\n\nIf you can scroll down through, we've got your risk profile on page ten and eleven. It just gives you a bit of an example of what the asset allocation might look like for that risk profile, but I'll actually take you through the proper allocation down below. And that should be on pages like ten, eleven, and 12. K. Now there's a big wordy section under strategy recommendations on page 12, which is the investment switch.\n\nCan you just pop down to there for me? Yep. So the long and short of this is that we're switching you to a high growth portfolio, bumping your growth assets up a little bit. Obviously, the pros and cons of that means more growth assets for higher long term returns. That's gonna increase your short term volatility.\n\nAnd there's a few pros and cons on the next page. But a couple of things in particular in the middle paragraphs, We had flagged your Benelon Australian shares option as underperforming and have gotten, like, a like for like replacement of that. Still in the active style of investment, but a little bit more affordable, better performance, but not changing the style of how your super is invested. K. Perfect.\n\nI'm gonna show you that in a second. It's actually Alfiniti. But I'll bring you down there in a moment. No. That's perfectly fine, mate.\n\nAnd it's one of the things where I'd love to just jump down on the document, but these, these can be a bit unwieldy sometimes. And if you're curious too, we've included PDF links in the appendix, and these are actually easily Googleable as well. So if you were to look up that bed along fund on their website and and have their own surface level snapshot of fees and performance and things like that, you would see what's been going on with that fund the last couple of years. And then when you look up this Affinity one, you can see such a stark difference between the two even just on the surface level. And then we go a little bit deeper with our research house reports as well.\n\nOne of the the cons, of course, with just your portfolio in general is it's very ETF heavy, so very low investment fees going forward. But, again, anytime we do purchases, there's a tiny brokerage fee. And with Hub twenty four, it pretty well mitigates a big chunk of that through aggregated trading. So if anyone's buying what you're selling or selling what you're buying, they will switch the parcels between accounts without charging brokerage. So it reduces it by anywhere between zero and a 100%.\n\nI just can't tell you how much on any given trade. It's actually yeah. It's like market leading. It's the only one that's currently doing it. I know MyNorth is trying to do it.\n\nNetwealth hasn't done it yet, but it's really good for ETF investors. Capital gains tax has been factored in because anytime we sell off investments under the hood, because you're in a wrap platform, we can see all the moving parts. Whereas in a traditional fund, it's all just baked into a unit price. You don't actually get to see what happens underneath. So we have factored in that $600 worth of superannuation CGT and factored that into the switch as well, and that's been mostly offset by the sale of the.\n\nK? So if you go down past there, there's some warnings there. Of course, we can't control the weather in terms of the stock market, and we can't guarantee performance, but we try our best to make sure it performs better in the same scenarios that have happened previously, short and long term. And if you go down, here's your portfolio table on pages fifteen and sixteen. K?\n\nSo at the very top, your BHYB, beta shares bank hybrid, that's actually being phased out by the government. So we thought we'd kinda just get ahead of the curve and switch that out for another option. There's a little bit of a rebalance between all of your investments because some of them have shot up really high. Some of them have gone a bit lower, and we just wanna bring it back to the right asset allocation. But the switch I was talking about, the main one, the third last row on that first table is the sale of your Bennelong and your ClearBridge.\n\nAnd you can see that in red text. It's pretty bulky, $20 and $13. And on the next page, we have the purchase of the Alfiniti Australian share fund and the JB Morgan as well. The very bottom, iShares core composite bonds. That's the replacement for those bank hybrids that are being phased out.\n\nIt's just a index bond fund. But that Alfiniti one, that's your active replacement of Benelon. Yes. And it was a very strange bank bonds. It was kind of trying to treat bank bonds like a share where they hold it for, like, five years and then it converts into a share and you get, like, a higher rate of return from it, and the government just kind of phase that out as an investment instrument altogether.\n\nYes. So if you're looking at I double h y, that's your your global high yield bond hedged with Australian dollars. So you've got hedged and unhedged versions. It's always nice to have a bit of a mix between the two. One thing that we've been looking at too is inflation linked bonds, which there is an ETF on the market for that where if inflation picks up, the bond rate pegs to it, and they increase the rate of return with the rate of inflation.\n\nSo there's definitely a few floating around. Standard bonds and fixed interest, there's so many of them out there. It might be nice to do a bit of a spread. Obviously, don't spread yourself too thin with brokerage fees buying seven ETFs, but having two or three if you have enough funds there just to get a bit of fixed interest diversification can be nice. And one other quick tip is sometimes your active side of fixed interest, like the managed funds, tend to handle those low low interest rate environments really well.\n\nLike, when we were going into negative in The US and in Europe, they were switching the type of investments into corporate bonds to avoid the negative ones. But with interest rates the way they are, the standard index ones are pretty good too. That's it. Yep. Yeah.\n\nYep. Awesome. Oh, easy done, mate. And the last thing too is just compare it against your savings rates. If the, you know, if the CBA has given you four or 5% and this bond fund's done one or two for three, five, ten, fifteen years, it's kinda like, oh, what's the point?\n\nJust make sure you compare it against something stable. Yeah. Guaranteed return. No risk. Great metric.\n\nGreat metric. Alright. Last thing there, we've got the cash mixed in. Obviously, that gets rebalanced at the standard 1.25% for Hub twenty '4. And your asset allocation pie chart on the next page, it is a little bit of a bump up.\n\nI think about five or 6% in terms of growth assets and still maintaining those alternatives there for gold. Still pretty heavy in into the international side of things because the Aussie side's been a bit rough. Alright. Comparison below that. We've tried to go as conservative as possible on page eighteen and nineteen.\n\nYou should see a fee comparison sort of blue table there with current recommended indifference. K. So just by switching out that investment option, investment fees go down by a couple $100 a year. We factored in the CGT. The bottom row, we have, like, the average five year performance going from about 10% to just shy of 12.\n\nAnd then if you go to the next page, there's a bit of a five and ten year projection there. Just a bit of an estimate for you. So I think, conservatively, I would say probably anywhere between 25 and 50,000 would be the the estimate of difference over the next five to ten years. That would be pretty I don't think that's too out of the ordinary or overshooting it too much. Again, you're gonna get those returns in high growth where it goes up 35% in a single year or we have a GFC and it kind of shoots down, and we use that as a bit of a buying opportunity, averaging out at that 12% is kind of the benchmark, and that's a bit above the 10% for high growth benchmark.\n\nOne thing you can see too, annual returns, so the twelve months are a little bit lower because of the volatility we've had. And so, obviously, good time to jump in, but then it averages out better over three and five years. That's kind of the the modus operandi, if I can say that. Yeah. Well, mate, I've been doing this for 2014, 2015.\n\nI started in the industry, and the first thing I researched was the GFC in 2009. And then every year, there's just been something weird happening, whether it's a crisis in Greece or China with the banks. We've had COVID. We've got this straight of Hormuz, all these kind of things. There's always something causing fluctuations.\n\nSo we just need to kind of get you the best quality investments through that ten ten year period at a time. And once you've built up enough, we can kind of start to wind back the risk in your fifties and start protecting what you've built. K. That's pretty much it for the super. Any questions for me, Brenda?\n\nCool. The rest of the document just goes through wills, power of attorneys, beneficiaries, and so on. We've got our advice fees. The towel still pays the 22% trailing commission to look after the insurance policy. So one quick reminder I've got for you is if something does happen to you and you need a claim on the insurances, obviously, we're probably not the first people you call, but we'd like to be the second because we can help you through the claims process, help you through some advice there as well.\n\nYes. So if you're out of work for more than your waiting period, you can do an income protection claim. If you get diagnosed with something or an injury where you can never work again, that's where your lump sum total disability cover comes in, and, obviously, if you pass away life insurance. K. There is an authority to proceed at the bottom there, so that's through that digital signing link.\n\nBasically, the steps to implement on the twenty ninth page is we get your consent first, then we can pretty much just hop on the hub and do an investment switch order. And the only thing that we can't do for you is obviously talk to a lawyer and get that will in place. Yep. Easy done. If you do have any questions on it, like, yeah, give us a buzz.\n\nWe're happy to kind of talk you through it or answer any questions that we can. Cool. Mate, that's pretty much everything for me. There's a bunch of supporting documents, again, links to the PDFs. There's an appendix there.\n\nThere's updated product documents from Hub, the investment menu that shows you there, 1,300 options and all the rest of it. Any questions for me before I let you go for your weekend? Fantastic. Thank you very much for that. I'll pencil you in for those quarterly catch ups.\n\nI'm personally going on a bit of leave in June. Got a got a daughter on the way to mix in with my two boys. Thank you. So three of those. And I'll be yeah.\n\nThat's family building done. But we've got what is it now? May. Yeah. I'll probably be catching up with you in July or August to see how the portfolio is tracking.\n\nHopefully, the world's settled down a tiny bit, and we can see a bit of growth out of that high growth fund. Awesome, mate. Well, have a fantastic weekend. Any questions at all, just give us a buzz. Thanks, Brandon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Brandon.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.3717884421348572},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.84,"end":6.08,"sentiment":"neutral","sentiment_score":0.23089683481625148},{"text":"How are you doing this fine Friday?","start":6.08,"end":7.46,"sentiment":"positive","sentiment_score":0.36352447101048063},{"text":"I'm living the dream, mate.","start":10.88,"end":11.92,"sentiment":"positive","sentiment_score":0.6372339248657226},{"text":"Living the dream.","start":11.92,"end":12.82,"sentiment":"positive","sentiment_score":0.6479289333025614}],"sentiment":"positive","sentiment_score":0.41625083565711973,"num_words":25,"start":2.8,"end":12.82},{"sentences":[{"text":"I've got an updated statement of advice here for you that Kyle was putting together.","start":13.995,"end":18.495,"sentiment":"positive","sentiment_score":0.41421618858973186},{"text":"Are you okay to run through this with me today?","start":19.195,"end":21.775,"sentiment":"neutral","sentiment_score":0.12655677050352096},{"text":"Fantastic.","start":24.075,"end":24.575,"sentiment":"positive","sentiment_score":0.4392815530300141},{"text":"Before I do so, usual quick checks.","start":24.715,"end":26.555,"sentiment":"neutral","sentiment_score":0.08486656578523773},{"text":"Are you okay for this call to be recorded?","start":26.555,"end":28.494999,"sentiment":"neutral","sentiment_score":0.03749570457471742}],"sentiment":"neutral","sentiment_score":0.21070522353762672,"num_words":42,"start":13.995,"end":28.494999},{"sentences":[{"text":"Amazing.","start":30.23,"end":30.71,"sentiment":"neutral","sentiment_score":0.31285667419433594},{"text":"And I am registered with ASIC as adviser one two seven three one zero five.","start":30.71,"end":35.449997,"sentiment":"neutral","sentiment_score":0.1260348801811536},{"text":"Just for the security of your information, could you please confirm your date of birth and address?","start":35.51,"end":40.09,"sentiment":"neutral","sentiment_score":0.06956284931477379},{"text":"Sensational.","start":50.245,"end":50.745,"sentiment":"neutral","sentiment_score":0.029802853241562843},{"text":"So I'm gonna pop this through to your Gmail account.","start":51.204998,"end":54.405,"sentiment":"neutral","sentiment_score":0.038993085734546185}],"sentiment":"neutral","sentiment_score":0.08649277331476862,"num_words":44,"start":30.23,"end":54.405},{"sentences":[{"text":"Is that still okay?","start":54.405,"end":55.464996,"sentiment":"neutral","sentiment_score":0.03522936999797821},{"text":"That's the one.","start":60.120003,"end":61.02,"sentiment":"neutral","sentiment_score":0.09251744796832402},{"text":"And will you be able to kinda, like, look onto the documents with me today?","start":61.08,"end":64.78,"sentiment":"neutral","sentiment_score":0.056722887853781385},{"text":"Awesome.","start":67.0,"end":67.4,"sentiment":"positive","sentiment_score":0.3968442380428314},{"text":"So I'm gonna send this through now.","start":67.4,"end":68.955,"sentiment":"neutral","sentiment_score":0.2086156223501478}],"sentiment":"neutral","sentiment_score":0.10421555787324906,"num_words":30,"start":54.405,"end":68.955},{"sentences":[{"text":"It's coming through from our new CRM and your system.","start":69.035,"end":72.335,"sentiment":"neutral","sentiment_score":0.1378849759697914},{"text":"So it may go through to your spam box or your main box.","start":72.555,"end":75.675,"sentiment":"neutral","sentiment_score":0.07494689552829815},{"text":"It usually comes through pretty quickly, and it should be listed as a a few financial statement of advice.","start":75.675,"end":81.455,"sentiment":"neutral","sentiment_score":0.14943900782811015},{"text":"Cool.","start":83.740005,"end":84.060005,"sentiment":"neutral","sentiment_score":0.30380672216415405},{"text":"So with these emails, we've got attachments there.","start":84.060005,"end":86.86,"sentiment":"neutral","sentiment_score":0.19687087461352348}],"sentiment":"neutral","sentiment_score":0.13865243665435734,"num_words":51,"start":69.035,"end":86.86},{"sentences":[{"text":"So the statement of advice is attached with some supporting documents for us to look onto together, and then there's a digital authorization if you're happy with the plan.","start":86.86,"end":95.475,"sentiment":"neutral","sentiment_score":0.19241164316391124},{"text":"So Yeah.","start":98.034996,"end":101.875,"sentiment":"neutral","sentiment_score":0.024296525865793228},{"text":"No worries at all.","start":101.875,"end":103.095,"sentiment":"neutral","sentiment_score":-0.031312400940805674},{"text":"Yep.","start":117.33,"end":117.649994,"sentiment":"neutral","sentiment_score":0.01862381771206856},{"text":"I can hear you loud and clear.","start":117.649994,"end":118.85,"sentiment":"neutral","sentiment_score":0.03220730062041964}],"sentiment":"neutral","sentiment_score":0.13365944236690222,"num_words":43,"start":86.86,"end":118.85},{"sentences":[{"text":"Can you hear me?","start":118.85,"end":119.865,"sentiment":"neutral","sentiment_score":0.004033971112221479},{"text":"Perfect.","start":122.265,"end":122.665,"sentiment":"positive","sentiment_score":0.4209473133087158},{"text":"Perfect.","start":122.665,"end":123.165,"sentiment":"neutral","sentiment_score":0.034039340913295746},{"text":"So when you go into the attachments, one of them will be listed as the actual statement of advice, and it should have a beachfront city logo looking like the Gold Coast there.","start":123.225,"end":132.345,"sentiment":"neutral","sentiment_score":0.049681941273086},{"text":"If you can open that one up for me.","start":132.345,"end":133.86,"sentiment":"neutral","sentiment_score":0.04508214402529928}],"sentiment":"neutral","sentiment_score":0.05242428951896727,"num_words":48,"start":118.85,"end":133.86},{"sentences":[{"text":"No worries.","start":139.78,"end":140.52,"sentiment":"neutral","sentiment_score":0.12004125490784645},{"text":"Perfect.","start":152.835,"end":153.335,"sentiment":"positive","sentiment_score":0.680549144744873},{"text":"So what I'm gonna walk you through just to start with is my details are on the front of this document registered with ASIC just because I'm the one presenting the advice just to make sure you've got all my licensing details on the front.","start":153.475,"end":166.98001,"sentiment":"neutral","sentiment_score":0.16163302577204175},{"text":"If you can flick through to the fourth page, the one of the key areas is the scope of advice.","start":167.36,"end":173.46,"sentiment":"neutral","sentiment_score":0.07496920004487037},{"text":"It should be like a blue heading there on page three and four, and it's basically what we are considering to provide advice on versus what is currently out of scope for this particular document.","start":173.68001,"end":185.275,"sentiment":"neutral","sentiment_score":0.05128127485513687}],"sentiment":"neutral","sentiment_score":0.11153734403038487,"num_words":103,"start":139.78,"end":185.275},{"sentences":[{"text":"K?","start":187.415,"end":187.915,"sentiment":"neutral","sentiment_score":0.00960544217377901},{"text":"Can you see that page there?","start":188.14,"end":190.0,"sentiment":"neutral","sentiment_score":0.00734074452581505},{"text":"Cool.","start":191.73999,"end":192.23999,"sentiment":"neutral","sentiment_score":0.24528443813323977},{"text":"So the main thing for this advice document really was a review of the super portfolio.","start":192.54,"end":196.56,"sentiment":"neutral","sentiment_score":0.1465418408624828},{"text":"One of the things that came up with Kyle was that you'd gone through, like, a risk profile discussion and sort of agreed to go a bit more high growth with the super at the moment, try and get some higher long term returns, especially given your time frame.","start":197.26,"end":210.60501,"sentiment":"neutral","sentiment_score":0.07845036883135231}],"sentiment":"neutral","sentiment_score":0.08887221745202599,"num_words":73,"start":187.415,"end":210.60501},{"sentences":[{"text":"Does that ring a bell?","start":210.60501,"end":211.66501,"sentiment":"neutral","sentiment_score":0.03564283438026905},{"text":"Awesome.","start":213.16501,"end":213.66501,"sentiment":"positive","sentiment_score":0.649338960647583},{"text":"Now we do have an ideal retirement age of 60, so trying to retire earlier rather than waiting for the age pension at 67.","start":213.80501,"end":220.92,"sentiment":"neutral","sentiment_score":0.2535874967773755},{"text":"Does that sound correct?","start":220.92,"end":221.98,"sentiment":"neutral","sentiment_score":0.21420004218816757},{"text":"That'd be fantastic.","start":223.56,"end":224.62,"sentiment":"positive","sentiment_score":0.392224778731664}],"sentiment":"neutral","sentiment_score":0.24181425838252982,"num_words":37,"start":210.60501,"end":224.62},{"sentences":[{"text":"Amazing.","start":225.72,"end":226.22,"sentiment":"neutral","sentiment_score":0.28376129269599915},{"text":"It's one of the things with Supra is we can't touch it until 60.","start":226.28,"end":229.34,"sentiment":"neutral","sentiment_score":0.045816712347524505},{"text":"Anything before 60, we're gonna do some investing on the side and get a bit of assets going before that.","start":229.48,"end":234.465,"sentiment":"neutral","sentiment_score":0.05367997707799077},{"text":"But, yep, tomorrow would be ideal.","start":234.465,"end":236.565,"sentiment":"neutral","sentiment_score":0.0675791831066211},{"text":"We've got actually, it's a strange question because I ask this question all the time of people, would you retire early or keep working?","start":238.94499,"end":246.0,"sentiment":"neutral","sentiment_score":-0.10304481737936537}],"sentiment":"neutral","sentiment_score":-0.0010585494052905303,"num_words":65,"start":225.72,"end":246.0},{"sentences":[{"text":"And I've had a fifty fifty split over the last twelve years, and half the country tells me, yep.","start":246.0,"end":251.44,"sentiment":"neutral","sentiment_score":-0.004729136579522961},{"text":"For one, the lotto, I'd be out, and the other half is like, oh, I wouldn't know what to do with myself.","start":251.44,"end":255.38,"sentiment":"neutral","sentiment_score":-0.02179254859617107},{"text":"I always want something to do even if it's part time.","start":255.44,"end":257.985,"sentiment":"neutral","sentiment_score":0.06171780452132225},{"text":"So it's an interesting one.","start":258.22498,"end":260.72498,"sentiment":"neutral","sentiment_score":0.06918421983718873},{"text":"Yeah.","start":269.185,"end":269.66498,"sentiment":"neutral","sentiment_score":-0.010951057076454164}],"sentiment":"neutral","sentiment_score":0.0076651073744368,"num_words":58,"start":246.0,"end":269.66498},{"sentences":[{"text":"So have the freedom to not have to work, but then be able to do what you wanna do because not for money's sake, but because you wanna do it.","start":269.66498,"end":277.37003,"sentiment":"neutral","sentiment_score":0.130893845235308},{"text":"Yeah.","start":278.47,"end":278.87003,"sentiment":"neutral","sentiment_score":0.17331625521183014},{"text":"Absolutely.","start":278.87003,"end":279.37003,"sentiment":"neutral","sentiment_score":0.28432518243789673},{"text":"We have identified just estate planning wise, we've included a few reminders there just to get a will and power of attorney in place if you haven't already done so.","start":280.07,"end":287.79498,"sentiment":"neutral","sentiment_score":0.14396518046657245},{"text":"And, yep, that's fine.","start":289.535,"end":292.57498,"sentiment":"neutral","sentiment_score":0.0649008508771658}],"sentiment":"neutral","sentiment_score":0.13580326685173946,"num_words":66,"start":269.66498,"end":292.57498},{"sentences":[{"text":"Quick little info tidbit on that.","start":292.57498,"end":295.63498,"sentiment":"neutral","sentiment_score":0.05868960296114286},{"text":"Obviously, solicitors do wills, but there's also public trustees of every state.","start":295.775,"end":300.435,"sentiment":"neutral","sentiment_score":0.05842075155427059},{"text":"If you ever inclined to do so, like the the courthouse around Perth does appointments for wills and power of attorneys.","start":300.77002,"end":307.75,"sentiment":"neutral","sentiment_score":0.08371485060169584},{"text":"And the Australia Post has $25 will kits and power of attorney kits as well.","start":308.13,"end":313.545,"sentiment":"neutral","sentiment_score":0.07514893462260565},{"text":"Yeah.","start":318.98502,"end":319.48502,"sentiment":"neutral","sentiment_score":0.05280730873346329}],"sentiment":"neutral","sentiment_score":0.07256799685684118,"num_words":55,"start":292.57498,"end":319.48502},{"sentences":[{"text":"They're through the government, essentially, and they're basically for basic situations.","start":319.625,"end":324.125,"sentiment":"neutral","sentiment_score":0.10488743605938824},{"text":"They can't do everything complex under the sun, but as long as you get them kind of witnessed and filled out correctly, they do count, and they're pretty good for people if it's just, you know, your your home, your savings, your car, your shoes, that type of thing.","start":324.825,"end":337.25,"sentiment":"neutral","sentiment_score":0.2753238749443268},{"text":"It won't give you a testamentary trust that triggers upon death to look after minor children, but it'll do the basic job.","start":337.95,"end":345.285,"sentiment":"neutral","sentiment_score":0.12552237950942732},{"text":"Yeah.","start":348.70502,"end":349.025,"sentiment":"neutral","sentiment_score":0.17932769656181335},{"text":"And then always you can always update it.","start":349.025,"end":351.045,"sentiment":"neutral","sentiment_score":0.17301038093864918}],"sentiment":"neutral","sentiment_score":0.20845642595828234,"num_words":91,"start":319.625,"end":351.045},{"sentences":[{"text":"Cool.","start":353.105,"end":353.605,"sentiment":"positive","sentiment_score":0.35339707136154175},{"text":"Fantastic.","start":355.75998,"end":356.25998,"sentiment":"positive","sentiment_score":0.7534887790679932},{"text":"And I think there was a flag there for beneficiary nominations.","start":356.31998,"end":358.9,"sentiment":"positive","sentiment_score":0.3712488954717463},{"text":"I think based on our system, we've already been getting beneficiaries accepted through I can see a couple of them being accepted here for, like, superannuation insurances and so on.","start":358.96,"end":371.875,"sentiment":"neutral","sentiment_score":0.33148897339900335},{"text":"This was just based on your review discussion with Kyle.","start":372.015,"end":374.815,"sentiment":"neutral","sentiment_score":0.1585204556584358}],"sentiment":"neutral","sentiment_score":0.3154810841353434,"num_words":53,"start":353.105,"end":374.815},{"sentences":[{"text":"So it might be a little bit out of date, but just making sure those beneficiaries are in line with your wishes too.","start":374.815,"end":380.035,"sentiment":"neutral","sentiment_score":0.17531921584968982},{"text":"Right?","start":381.96002,"end":382.46002,"sentiment":"neutral","sentiment_score":0.04096154496073723},{"text":"Outside of scope for this one on the next page, so we weren't giving any insurance advice at this point.","start":382.92,"end":388.78,"sentiment":"neutral","sentiment_score":-0.155013819783926},{"text":"I think there's some context in here just talking about you wanting to kind of change roles over time, you're kind of comfortable with the life TPD and income protection that you have, and then possibly the next review, if you do change roles, we might need to review the cover.","start":389.0,"end":404.145,"sentiment":"neutral","sentiment_score":-0.006364292204927872},{"text":"Does that sound right?","start":404.145,"end":405.205,"sentiment":"neutral","sentiment_score":0.051064188592135906}],"sentiment":"neutral","sentiment_score":0.008613181472144495,"num_words":99,"start":374.815,"end":405.205},{"sentences":[{"text":"Yep.","start":414.16,"end":414.66,"sentiment":"neutral","sentiment_score":0.07630956918001175},{"text":"Fantastic.","start":415.6,"end":416.1,"sentiment":"positive","sentiment_score":0.3705090880393982},{"text":"Yeah.","start":423.055,"end":423.375,"sentiment":"neutral","sentiment_score":0.09190697222948074},{"text":"Absolutely.","start":423.375,"end":423.875,"sentiment":"neutral","sentiment_score":0.14988234639167786},{"text":"So if anything pops up like that, we'll obviously capture it at each annual review and ask the same questions.","start":423.935,"end":428.995,"sentiment":"neutral","sentiment_score":0.17330130971968175}],"sentiment":"neutral","sentiment_score":0.17310975709309182,"num_words":24,"start":414.16,"end":428.995},{"sentences":[{"text":"But if something significant changes and you wanna call in and book up an ad hoc chat, we can do so.","start":429.215,"end":434.835,"sentiment":"neutral","sentiment_score":0.13969973545698894},{"text":"Even if you want me to set you up with, like, a quarterly contact point just to flag things, whatever your preference is.","start":435.19,"end":442.09,"sentiment":"neutral","sentiment_score":0.13743326942557874},{"text":"Yep.","start":447.52502,"end":448.02502,"sentiment":"neutral","sentiment_score":0.07254545390605927},{"text":"Yep.","start":454.48502,"end":454.885,"sentiment":"neutral","sentiment_score":0.1838957965373993},{"text":"Absolutely.","start":454.885,"end":455.385,"sentiment":"neutral","sentiment_score":0.28055429458618164}],"sentiment":"neutral","sentiment_score":0.1410990465194621,"num_words":47,"start":429.215,"end":455.385},{"sentences":[{"text":"Let me just put a quick note on the system there for the quarterly contact flag, and that'll give us a bit of an opportunity just to see how the portfolio is going, checking if there's anything else that we need to change.","start":455.445,"end":467.6,"sentiment":"neutral","sentiment_score":0.2279324036871278},{"text":"Sometimes it's just how you're going, and sometimes there's advice that we need to kind of update off the back of it.","start":468.06,"end":473.685,"sentiment":"neutral","sentiment_score":-0.04388319006697698},{"text":"Alright.","start":475.845,"end":476.245,"sentiment":"neutral","sentiment_score":0.0697752833366394},{"text":"Now the rest of the areas out of scope, cash flow, debt management, and investment properties seems like something that you're comfortable to kind of manage, pay down debt, do some investing, manage your budget yourself, but I think we were sending through a bit of a budget planner for you just to use as a bit of a guide and tool.","start":476.245,"end":496.03,"sentiment":"neutral","sentiment_score":0.16205766508656164},{"text":"Does all that sound correct as well?","start":496.17,"end":498.11002,"sentiment":"neutral","sentiment_score":0.1636647411755153}],"sentiment":"neutral","sentiment_score":0.1488790139555931,"num_words":135,"start":455.445,"end":498.11002},{"sentences":[{"text":"You're on top of it.","start":504.10498,"end":505.145,"sentiment":"neutral","sentiment_score":0.2064932718873024},{"text":"Yep.","start":505.145,"end":505.645,"sentiment":"positive","sentiment_score":0.4235519766807556},{"text":"Perfect.","start":508.345,"end":508.845,"sentiment":"positive","sentiment_score":0.4582289159297943},{"text":"I would definitely expect that because you're an engineer.","start":511.145,"end":514.185,"sentiment":"neutral","sentiment_score":0.2909080170922809},{"text":"Is that correct?","start":514.185,"end":515.005,"sentiment":"neutral","sentiment_score":0.16591490308443704}],"sentiment":"neutral","sentiment_score":0.26474547974373164,"num_words":19,"start":504.10498,"end":515.005},{"sentences":[{"text":"Yep.","start":517.85,"end":518.35,"sentiment":"neutral","sentiment_score":0.24921169877052307},{"text":"That's why I think engineers are some of my favorite clients because you're very detail oriented no matter which area of engineering it is, and these guys have their budgeting under control.","start":520.97003,"end":529.71,"sentiment":"neutral","sentiment_score":0.3270957232452929},{"text":"They're, like, doing a whole bunch of different things.","start":529.965,"end":531.965,"sentiment":"neutral","sentiment_score":0.17381260295708975},{"text":"So yep.","start":531.965,"end":532.685,"sentiment":"neutral","sentiment_score":0.13335423171520233},{"text":"And decent coin in engineering as well.","start":532.685,"end":535.505,"sentiment":"neutral","sentiment_score":0.1903351311172758}],"sentiment":"neutral","sentiment_score":0.2721498558918635,"num_words":51,"start":517.85,"end":535.505},{"sentences":[{"text":"Absolutely.","start":539.16504,"end":539.66504,"sentiment":"neutral","sentiment_score":0.10086610913276672},{"text":"Mate, if you go through the next couple of pages, there's a limited advice warning.","start":540.28503,"end":543.74506,"sentiment":"neutral","sentiment_score":-0.12384502192338308},{"text":"To say we're not giving advice for everything under the sun.","start":543.98004,"end":547.10004,"sentiment":"neutral","sentiment_score":-0.21657951447096738},{"text":"And if any of the information that we've collected is inaccurate, that may impact the advice.","start":547.10004,"end":552.0,"sentiment":"neutral","sentiment_score":-0.2482125936076045},{"text":"And can you just quickly look on pages seven and eight for me?","start":552.86005,"end":557.52,"sentiment":"neutral","sentiment_score":-0.035776786936017185}],"sentiment":"neutral","sentiment_score":-0.15313720726408064,"num_words":56,"start":539.16504,"end":557.52},{"sentences":[{"text":"We've got an about you section and your assets and liabilities.","start":557.845,"end":561.945,"sentiment":"neutral","sentiment_score":0.010518938472325151},{"text":"Just wanna make sure that's still pretty accurate there for your occupation, contact details, and, you know, property offset account shares, mortgage, that kind of thing.","start":562.005,"end":572.46,"sentiment":"neutral","sentiment_score":0.022607820108532906},{"text":"Yep.","start":590.235,"end":590.555,"sentiment":"neutral","sentiment_score":-0.02376522682607174},{"text":"Couple of repayments off of there.","start":590.555,"end":592.15497,"sentiment":"neutral","sentiment_score":-0.004803862112263839},{"text":"Mortgage is up a little bit.","start":592.15497,"end":593.615,"sentiment":"neutral","sentiment_score":-0.007431986276060343}],"sentiment":"neutral","sentiment_score":0.012126626577228308,"num_words":50,"start":557.845,"end":593.615},{"sentences":[{"text":"And property value, I guess that's something that changes pretty frequently in this day and age.","start":594.15497,"end":598.735,"sentiment":"neutral","sentiment_score":-0.007684877899009734},{"text":"Okay.","start":617.395,"end":617.795,"sentiment":"neutral","sentiment_score":0.1532043814659119},{"text":"Yeah.","start":617.795,"end":618.03503,"sentiment":"neutral","sentiment_score":0.14148291945457458},{"text":"That's what you want.","start":618.03503,"end":619.175,"sentiment":"neutral","sentiment_score":0.1301215123385191},{"text":"Yeah.","start":626.13,"end":626.37,"sentiment":"neutral","sentiment_score":0.05400187522172928}],"sentiment":"neutral","sentiment_score":0.03244422517878854,"num_words":23,"start":594.15497,"end":626.37},{"sentences":[{"text":"I could update them on our system if you've got them handy.","start":626.37,"end":629.03,"sentiment":"neutral","sentiment_score":0.06877581092218558},{"text":"$60,000 offset.","start":635.185,"end":636.805,"sentiment":"neutral","sentiment_score":0.03683437965810299},{"text":"Yeah.","start":644.305,"end":644.70496,"sentiment":"neutral","sentiment_score":0.0434030257165432},{"text":"Yeah.","start":644.70496,"end":644.94495,"sentiment":"neutral","sentiment_score":0.13176722824573517},{"text":"Perfect.","start":644.94495,"end":645.44495,"sentiment":"positive","sentiment_score":0.39304953813552856}],"sentiment":"neutral","sentiment_score":0.08630578132236705,"num_words":17,"start":626.37,"end":645.44495},{"sentences":[{"text":"$6.04 5.","start":646.46497,"end":647.845,"sentiment":"neutral","sentiment_score":0.14816077053546906},{"text":"K.","start":649.18,"end":649.42,"sentiment":"neutral","sentiment_score":0.14546215534210205},{"text":"Got that there.","start":649.42,"end":650.4,"sentiment":"neutral","sentiment_score":0.18412421643733978},{"text":"I can definitely put down $8.40 if you're comfortable with that, and we can always yep.","start":658.77997,"end":664.365,"sentiment":"neutral","sentiment_score":0.2679995666258037},{"text":"And if you're comfortable, I can even just do the old Google afterwards and check what property.com is saying and put in the the high conviction site for that.","start":665.305,"end":672.685,"sentiment":"neutral","sentiment_score":0.09845635192147617}],"sentiment":"neutral","sentiment_score":0.1595565415188378,"num_words":51,"start":646.46497,"end":672.685},{"sentences":[{"text":"No.","start":678.83997,"end":679.24,"sentiment":"neutral","sentiment_score":-0.03416549786925316},{"text":"Not until you're closer to retirement.","start":679.24,"end":680.83997,"sentiment":"neutral","sentiment_score":-0.060687643165389694},{"text":"If you're in your fifties, it makes a big difference.","start":680.83997,"end":682.86,"sentiment":"neutral","sentiment_score":-0.0037685906048864127},{"text":"In the thirties, it's more of making sure that we've got a good snapshot of your situation.","start":683.16,"end":688.22,"sentiment":"neutral","sentiment_score":0.0946539530859274},{"text":"Yep.","start":692.235,"end":692.735,"sentiment":"neutral","sentiment_score":0.05275917053222656}],"sentiment":"neutral","sentiment_score":0.03502568885950105,"num_words":35,"start":678.83997,"end":692.735},{"sentences":[{"text":"Done and dusted.","start":693.995,"end":694.895,"sentiment":"neutral","sentiment_score":0.07375518480936687},{"text":"That hub balance is just based on the day that we did the research.","start":695.355,"end":698.47504,"sentiment":"neutral","sentiment_score":0.059100540088755746},{"text":"Obviously, that fluctuates every day.","start":698.47504,"end":700.575,"sentiment":"neutral","sentiment_score":0.01607784442603588},{"text":"And you've got insurances coming out of there from TOW.","start":700.715,"end":704.09503,"sentiment":"neutral","sentiment_score":0.022324337251484395},{"text":"That's your life, your TPD, your income protection.","start":704.18,"end":706.6,"sentiment":"neutral","sentiment_score":0.22264229133725166}],"sentiment":"neutral","sentiment_score":0.07833610102534294,"num_words":40,"start":693.995,"end":706.6},{"sentences":[{"text":"If you can scroll down through, we've got your risk profile on page ten and eleven.","start":707.3,"end":711.8,"sentiment":"neutral","sentiment_score":0.08439381257630885},{"text":"It just gives you a bit of an example of what the asset allocation might look like for that risk profile, but I'll actually take you through the proper allocation down below.","start":712.1,"end":721.545,"sentiment":"neutral","sentiment_score":0.10810376249719411},{"text":"And that should be on pages like ten, eleven, and 12.","start":722.40497,"end":725.305,"sentiment":"neutral","sentiment_score":0.09523737362839958},{"text":"K.","start":730.005,"end":730.505,"sentiment":"neutral","sentiment_score":0.08012379705905914},{"text":"Now there's a big wordy section under strategy recommendations on page 12, which is the investment switch.","start":730.565,"end":736.13,"sentiment":"neutral","sentiment_score":0.09517616953919916}],"sentiment":"neutral","sentiment_score":0.09812144402946744,"num_words":77,"start":707.3,"end":736.13},{"sentences":[{"text":"Can you just pop down to there for me?","start":736.13,"end":738.23,"sentiment":"neutral","sentiment_score":0.07488833202256097},{"text":"Yep.","start":740.37,"end":740.76996,"sentiment":"neutral","sentiment_score":0.17882713675498962},{"text":"So the long and short of this is that we're switching you to a high growth portfolio, bumping your growth assets up a little bit.","start":740.76996,"end":747.97,"sentiment":"neutral","sentiment_score":0.20966120451688766},{"text":"Obviously, the pros and cons of that means more growth assets for higher long term returns.","start":747.97,"end":752.725,"sentiment":"neutral","sentiment_score":0.13306802604347467},{"text":"That's gonna increase your short term volatility.","start":752.94495,"end":755.44495,"sentiment":"neutral","sentiment_score":0.08373043207185608}],"sentiment":"neutral","sentiment_score":0.15188885653584167,"num_words":58,"start":736.13,"end":755.44495},{"sentences":[{"text":"And there's a few pros and cons on the next page.","start":756.14496,"end":759.605,"sentiment":"neutral","sentiment_score":0.02089421044696461},{"text":"But a couple of things in particular in the middle paragraphs, We had flagged your Benelon Australian shares option as underperforming and have gotten, like, a like for like replacement of that.","start":759.82495,"end":771.42,"sentiment":"neutral","sentiment_score":-0.10885696737386752},{"text":"Still in the active style of investment, but a little bit more affordable, better performance, but not changing the style of how your super is invested.","start":771.88,"end":780.33496,"sentiment":"neutral","sentiment_score":0.05918903247668193},{"text":"K.","start":783.115,"end":783.615,"sentiment":"neutral","sentiment_score":0.07388414442539215},{"text":"Perfect.","start":789.675,"end":789.995,"sentiment":"positive","sentiment_score":0.45806148648262024}],"sentiment":"neutral","sentiment_score":-0.016658115010498693,"num_words":71,"start":756.14496,"end":789.995},{"sentences":[{"text":"I'm gonna show you that in a second.","start":789.995,"end":791.595,"sentiment":"neutral","sentiment_score":0.20913717336952686},{"text":"It's actually Alfiniti.","start":791.595,"end":793.21497,"sentiment":"neutral","sentiment_score":0.11933646351099014},{"text":"But I'll bring you down there in a moment.","start":793.89,"end":796.31,"sentiment":"neutral","sentiment_score":0.08311268190542857},{"text":"No.","start":798.05005,"end":798.29004,"sentiment":"neutral","sentiment_score":-0.08201111853122711},{"text":"That's perfectly fine, mate.","start":798.29004,"end":799.17004,"sentiment":"neutral","sentiment_score":0.23944826796650887}],"sentiment":"neutral","sentiment_score":0.14619611471891403,"num_words":25,"start":789.995,"end":799.17004},{"sentences":[{"text":"And it's one of the things where I'd love to just jump down on the document, but these, these can be a bit unwieldy sometimes.","start":799.17004,"end":804.55005,"sentiment":"neutral","sentiment_score":-0.025575724728405476},{"text":"And if you're curious too, we've included PDF links in the appendix, and these are actually easily Googleable as well.","start":805.33,"end":813.015,"sentiment":"neutral","sentiment_score":0.23594519384205342},{"text":"So if you were to look up that bed along fund on their website and and have their own surface level snapshot of fees and performance and things like that, you would see what's been going on with that fund the last couple of years.","start":813.235,"end":825.015,"sentiment":"neutral","sentiment_score":0.1359704573949178},{"text":"And then when you look up this Affinity one, you can see such a stark difference between the two even just on the surface level.","start":825.075,"end":831.55005,"sentiment":"neutral","sentiment_score":0.13666611522436142},{"text":"And then we go a little bit deeper with our research house reports as well.","start":831.61005,"end":836.19,"sentiment":"neutral","sentiment_score":0.12125207334756852}],"sentiment":"neutral","sentiment_score":0.11872011786326767,"num_words":130,"start":799.17004,"end":836.19},{"sentences":[{"text":"One of the the cons, of course, with just your portfolio in general is it's very ETF heavy, so very low investment fees going forward.","start":839.14496,"end":847.225,"sentiment":"neutral","sentiment_score":0.2343786084651947},{"text":"But, again, anytime we do purchases, there's a tiny brokerage fee.","start":847.225,"end":851.245,"sentiment":"neutral","sentiment_score":0.15356179123575037},{"text":"And with Hub twenty four, it pretty well mitigates a big chunk of that through aggregated trading.","start":851.49,"end":857.27,"sentiment":"positive","sentiment_score":0.34317990260965686},{"text":"So if anyone's buying what you're selling or selling what you're buying, they will switch the parcels between accounts without charging brokerage.","start":857.41,"end":864.47,"sentiment":"neutral","sentiment_score":0.3115982630036094},{"text":"So it reduces it by anywhere between zero and a 100%.","start":865.17,"end":868.84503,"sentiment":"positive","sentiment_score":0.4222005063837225}],"sentiment":"neutral","sentiment_score":0.28932640251032143,"num_words":86,"start":839.14496,"end":868.84503},{"sentences":[{"text":"I just can't tell you how much on any given trade.","start":868.84503,"end":871.34503,"sentiment":"neutral","sentiment_score":0.047960186207836326},{"text":"It's actually yeah.","start":873.885,"end":875.72504,"sentiment":"neutral","sentiment_score":0.16053079068660736},{"text":"It's like market leading.","start":875.72504,"end":876.765,"sentiment":"neutral","sentiment_score":0.332734614610672},{"text":"It's the only one that's currently doing it.","start":876.765,"end":878.36505,"sentiment":"neutral","sentiment_score":0.1694925995543599},{"text":"I know MyNorth is trying to do it.","start":878.36505,"end":879.965,"sentiment":"neutral","sentiment_score":0.15047340001910925}],"sentiment":"neutral","sentiment_score":0.14411237868754304,"num_words":34,"start":868.84503,"end":879.965},{"sentences":[{"text":"Netwealth hasn't done it yet, but it's really good for ETF investors.","start":879.965,"end":883.78,"sentiment":"positive","sentiment_score":0.46600328510006267},{"text":"Capital gains tax has been factored in because anytime we sell off investments under the hood, because you're in a wrap platform, we can see all the moving parts.","start":886.56,"end":894.82,"sentiment":"neutral","sentiment_score":0.15205494802573633},{"text":"Whereas in a traditional fund, it's all just baked into a unit price.","start":895.225,"end":898.745,"sentiment":"neutral","sentiment_score":-0.06200555396767763},{"text":"You don't actually get to see what happens underneath.","start":898.745,"end":900.765,"sentiment":"neutral","sentiment_score":-0.0687760462363561},{"text":"So we have factored in that $600 worth of superannuation CGT and factored that into the switch as well, and that's been mostly offset by the sale of the.","start":901.065,"end":911.94,"sentiment":"neutral","sentiment_score":0.1095762719111196}],"sentiment":"neutral","sentiment_score":0.12776400197459303,"num_words":92,"start":879.965,"end":911.94},{"sentences":[{"text":"K?","start":913.68,"end":914.16003,"sentiment":"neutral","sentiment_score":-0.010732351802289486},{"text":"So if you go down past there, there's some warnings there.","start":914.16003,"end":916.4,"sentiment":"neutral","sentiment_score":-0.1621160131286491},{"text":"Of course, we can't control the weather in terms of the stock market, and we can't guarantee performance, but we try our best to make sure it performs better in the same scenarios that have happened previously, short and long term.","start":916.4,"end":929.02496,"sentiment":"neutral","sentiment_score":0.031041550927045868},{"text":"And if you go down, here's your portfolio table on pages fifteen and sixteen.","start":929.96497,"end":934.70496,"sentiment":"neutral","sentiment_score":0.07809754753751415},{"text":"K?","start":937.02,"end":937.5,"sentiment":"neutral","sentiment_score":0.05998656153678894}],"sentiment":"neutral","sentiment_score":0.009294813512550557,"num_words":68,"start":913.68,"end":937.5},{"sentences":[{"text":"So at the very top, your BHYB, beta shares bank hybrid, that's actually being phased out by the government.","start":937.5,"end":945.2,"sentiment":"neutral","sentiment_score":0.08102534103550409},{"text":"So we thought we'd kinda just get ahead of the curve and switch that out for another option.","start":945.26,"end":949.68,"sentiment":"neutral","sentiment_score":0.30663684755563736},{"text":"There's a little bit of a rebalance between all of your investments because some of them have shot up really high.","start":950.20496,"end":955.725,"sentiment":"neutral","sentiment_score":0.17113777853193737},{"text":"Some of them have gone a bit lower, and we just wanna bring it back to the right asset allocation.","start":955.725,"end":959.985,"sentiment":"neutral","sentiment_score":0.09375471249222755},{"text":"But the switch I was talking about, the main one, the third last row on that first table is the sale of your Bennelong and your ClearBridge.","start":960.52496,"end":970.0,"sentiment":"neutral","sentiment_score":0.19734815039016582}],"sentiment":"neutral","sentiment_score":0.17006030852595966,"num_words":105,"start":937.5,"end":970.0},{"sentences":[{"text":"And you can see that in red text.","start":972.3,"end":973.66,"sentiment":"neutral","sentiment_score":0.2072503287345171},{"text":"It's pretty bulky, $20 and $13.","start":973.66,"end":976.08,"sentiment":"neutral","sentiment_score":0.2780957867701848},{"text":"And on the next page, we have the purchase of the Alfiniti Australian share fund and the JB Morgan as well.","start":976.22,"end":986.315,"sentiment":"neutral","sentiment_score":0.16338633462077096},{"text":"The very bottom, iShares core composite bonds.","start":986.775,"end":989.755,"sentiment":"neutral","sentiment_score":0.10162027712379183},{"text":"That's the replacement for those bank hybrids that are being phased out.","start":989.895,"end":992.935,"sentiment":"neutral","sentiment_score":0.051832315512001514}],"sentiment":"neutral","sentiment_score":0.14983370562118511,"num_words":54,"start":972.3,"end":992.935},{"sentences":[{"text":"It's just a index bond fund.","start":992.935,"end":995.17,"sentiment":"neutral","sentiment_score":0.0628219669063886},{"text":"But that Alfiniti one, that's your active replacement of Benelon.","start":995.39,"end":999.17,"sentiment":"neutral","sentiment_score":0.08537290655076504},{"text":"Yes.","start":1004.19,"end":1004.51,"sentiment":"neutral","sentiment_score":-0.01301264390349388},{"text":"And it was a very strange bank bonds.","start":1004.51,"end":1006.35,"sentiment":"neutral","sentiment_score":-0.08008567243814468},{"text":"It was kind of trying to treat bank bonds like a share where they hold it for, like, five years and then it converts into a share and you get, like, a higher rate of return from it, and the government just kind of phase that out as an investment instrument altogether.","start":1006.35,"end":1020.64496,"sentiment":"neutral","sentiment_score":0.029343967612546224}],"sentiment":"neutral","sentiment_score":0.027309729342723823,"num_words":77,"start":992.935,"end":1020.64496},{"sentences":[{"text":"Yes.","start":1052.46,"end":1052.96,"sentiment":"neutral","sentiment_score":0.02604064717888832},{"text":"So if you're looking at I double h y, that's your your global high yield bond hedged with Australian dollars.","start":1054.7001,"end":1061.255,"sentiment":"neutral","sentiment_score":0.11479441290721297},{"text":"So you've got hedged and unhedged versions.","start":1061.255,"end":1063.4349,"sentiment":"neutral","sentiment_score":0.12548793639455522},{"text":"It's always nice to have a bit of a mix between the two.","start":1063.575,"end":1065.915,"sentiment":"positive","sentiment_score":0.3882172176471123},{"text":"One thing that we've been looking at too is inflation linked bonds, which there is an ETF on the market for that where if inflation picks up, the bond rate pegs to it, and they increase the rate of return with the rate of inflation.","start":1066.135,"end":1079.1699,"sentiment":"neutral","sentiment_score":0.19928408430682287}],"sentiment":"neutral","sentiment_score":0.20017386143377355,"num_words":86,"start":1052.46,"end":1079.1699},{"sentences":[{"text":"So there's definitely a few floating around.","start":1079.5499,"end":1081.8899,"sentiment":"neutral","sentiment_score":0.21423000310148513},{"text":"Standard bonds and fixed interest, there's so many of them out there.","start":1082.99,"end":1086.61,"sentiment":"neutral","sentiment_score":0.1341643494864305},{"text":"It might be nice to do a bit of a spread.","start":1086.755,"end":1088.675,"sentiment":"neutral","sentiment_score":0.20822188529101285},{"text":"Obviously, don't spread yourself too thin with brokerage fees buying seven ETFs, but having two or three if you have enough funds there just to get a bit of fixed interest diversification can be nice.","start":1088.675,"end":1100.055,"sentiment":"neutral","sentiment_score":0.23574459717742036},{"text":"And one other quick tip is sometimes your active side of fixed interest, like the managed funds, tend to handle those low low interest rate environments really well.","start":1100.61,"end":1111.57,"sentiment":"neutral","sentiment_score":0.2139319788132395}],"sentiment":"neutral","sentiment_score":0.2111954759325712,"num_words":93,"start":1079.5499,"end":1111.57},{"sentences":[{"text":"Like, when we were going into negative in The US and in Europe, they were switching the type of investments into corporate bonds to avoid the negative ones.","start":1111.57,"end":1120.825,"sentiment":"neutral","sentiment_score":0.01502904003219945},{"text":"But with interest rates the way they are, the standard index ones are pretty good too.","start":1121.445,"end":1125.385,"sentiment":"neutral","sentiment_score":0.2531260484829545},{"text":"That's it.","start":1134.5,"end":1134.9,"sentiment":"neutral","sentiment_score":0.08009824529290199},{"text":"Yep.","start":1134.9,"end":1135.4,"sentiment":"neutral","sentiment_score":0.16939672827720642},{"text":"Yeah.","start":1142.515,"end":1142.675,"sentiment":"neutral","sentiment_score":0.08037468045949936}],"sentiment":"neutral","sentiment_score":0.10168328741565347,"num_words":48,"start":1111.57,"end":1142.675},{"sentences":[{"text":"Yep.","start":1142.675,"end":1143.175,"sentiment":"neutral","sentiment_score":0.094796285033226},{"text":"Awesome.","start":1151.97,"end":1152.47,"sentiment":"positive","sentiment_score":0.454276442527771},{"text":"Oh, easy done, mate.","start":1157.41,"end":1158.29,"sentiment":"positive","sentiment_score":0.3755384609103203},{"text":"And the last thing too is just compare it against your savings rates.","start":1158.29,"end":1161.41,"sentiment":"neutral","sentiment_score":0.10429521306202962},{"text":"If the, you know, if the CBA has given you four or 5% and this bond fund's done one or two for three, five, ten, fifteen years, it's kinda like, oh, what's the point?","start":1161.41,"end":1170.355,"sentiment":"neutral","sentiment_score":0.07702213662731297}],"sentiment":"neutral","sentiment_score":0.11369466011957177,"num_words":53,"start":1142.675,"end":1170.355},{"sentences":[{"text":"Just make sure you compare it against something stable.","start":1171.0549,"end":1173.715,"sentiment":"neutral","sentiment_score":0.11708518697155847},{"text":"Yeah.","start":1179.07,"end":1179.57,"sentiment":"neutral","sentiment_score":0.14865842461586},{"text":"Guaranteed return.","start":1179.63,"end":1180.69,"sentiment":"neutral","sentiment_score":0.1427672654390335},{"text":"No risk.","start":1180.99,"end":1181.73,"sentiment":"neutral","sentiment_score":-0.002485917881131172},{"text":"Great metric.","start":1182.11,"end":1182.85,"sentiment":"positive","sentiment_score":0.5218804180622101}],"sentiment":"neutral","sentiment_score":0.15792178991250694,"num_words":16,"start":1171.0549,"end":1182.85},{"sentences":[{"text":"Great metric.","start":1182.9099,"end":1183.65,"sentiment":"positive","sentiment_score":0.4893394708633423},{"text":"Alright.","start":1184.51,"end":1185.01,"sentiment":"neutral","sentiment_score":0.1710261106491089},{"text":"Last thing there, we've got the cash mixed in.","start":1185.71,"end":1187.95,"sentiment":"neutral","sentiment_score":0.07576165265507168},{"text":"Obviously, that gets rebalanced at the standard 1.25% for Hub twenty '4.","start":1187.95,"end":1192.85,"sentiment":"neutral","sentiment_score":0.09697995334863663},{"text":"And your asset allocation pie chart on the next page, it is a little bit of a bump up.","start":1193.235,"end":1198.035,"sentiment":"neutral","sentiment_score":0.0450714905991366}],"sentiment":"neutral","sentiment_score":0.08957389971717845,"num_words":43,"start":1182.9099,"end":1198.035},{"sentences":[{"text":"I think about five or 6% in terms of growth assets and still maintaining those alternatives there for gold.","start":1198.035,"end":1205.335,"sentiment":"neutral","sentiment_score":0.05090297229195896},{"text":"Still pretty heavy in into the international side of things because the Aussie side's been a bit rough.","start":1206.05,"end":1211.27,"sentiment":"neutral","sentiment_score":-0.13945065231786835},{"text":"Alright.","start":1215.33,"end":1215.83,"sentiment":"neutral","sentiment_score":0.03110436722636223},{"text":"Comparison below that.","start":1215.89,"end":1217.35,"sentiment":"neutral","sentiment_score":0.012567325805624327},{"text":"We've tried to go as conservative as possible on page eighteen and nineteen.","start":1217.905,"end":1223.685,"sentiment":"neutral","sentiment_score":0.05838486237021593}],"sentiment":"neutral","sentiment_score":-0.013243439124414214,"num_words":54,"start":1198.035,"end":1223.685},{"sentences":[{"text":"You should see a fee comparison sort of blue table there with current recommended indifference.","start":1223.825,"end":1228.725,"sentiment":"neutral","sentiment_score":0.055276000623901686},{"text":"K.","start":1231.6,"end":1232.0,"sentiment":"neutral","sentiment_score":0.041767656803131104},{"text":"So just by switching out that investment option, investment fees go down by a couple $100 a year.","start":1232.0,"end":1238.8,"sentiment":"neutral","sentiment_score":0.06639112449354595},{"text":"We factored in the CGT.","start":1238.8,"end":1240.34,"sentiment":"neutral","sentiment_score":0.09989437758922577},{"text":"The bottom row, we have, like, the average five year performance going from about 10% to just shy of 12.","start":1241.28,"end":1248.515,"sentiment":"neutral","sentiment_score":0.10804582796990872}],"sentiment":"neutral","sentiment_score":0.08010739583711503,"num_words":59,"start":1223.825,"end":1248.515},{"sentences":[{"text":"And then if you go to the next page, there's a bit of a five and ten year projection there.","start":1251.535,"end":1255.6951,"sentiment":"neutral","sentiment_score":0.07720425967127084},{"text":"Just a bit of an estimate for you.","start":1255.6951,"end":1257.39,"sentiment":"neutral","sentiment_score":0.066057073418051},{"text":"So I think, conservatively, I would say probably anywhere between 25 and 50,000 would be the the estimate of difference over the next five to ten years.","start":1262.99,"end":1271.73,"sentiment":"neutral","sentiment_score":0.14203300161494148},{"text":"That would be pretty I don't think that's too out of the ordinary or overshooting it too much.","start":1271.9149,"end":1278.395,"sentiment":"negative","sentiment_score":-0.3334909876187642},{"text":"Again, you're gonna get those returns in high growth where it goes up 35% in a single year or we have a GFC and it kind of shoots down, and we use that as a bit of a buying opportunity, averaging out at that 12% is kind of the benchmark, and that's a bit above the 10% for high growth benchmark.","start":1278.395,"end":1297.02,"sentiment":"neutral","sentiment_score":0.3004566729679459}],"sentiment":"neutral","sentiment_score":0.13606307536029993,"num_words":134,"start":1251.535,"end":1297.02},{"sentences":[{"text":"One thing you can see too, annual returns, so the twelve months are a little bit lower because of the volatility we've had.","start":1300.455,"end":1306.235,"sentiment":"neutral","sentiment_score":0.13149621370046036},{"text":"And so, obviously, good time to jump in, but then it averages out better over three and five years.","start":1306.375,"end":1311.0149,"sentiment":"neutral","sentiment_score":0.28287287370154734},{"text":"That's kind of the the modus operandi, if I can say that.","start":1311.0149,"end":1315.28,"sentiment":"neutral","sentiment_score":0.08620339694122474},{"text":"Yeah.","start":1325.275,"end":1325.515,"sentiment":"neutral","sentiment_score":0.014480816200375555},{"text":"Well, mate, I've been doing this for 2014, 2015.","start":1325.515,"end":1329.755,"sentiment":"neutral","sentiment_score":-0.034059766886962786}],"sentiment":"neutral","sentiment_score":0.14283408113988116,"num_words":64,"start":1300.455,"end":1329.755},{"sentences":[{"text":"I started in the industry, and the first thing I researched was the GFC in 2009.","start":1329.755,"end":1335.1951,"sentiment":"neutral","sentiment_score":0.011224846821278334},{"text":"And then every year, there's just been something weird happening, whether it's a crisis in Greece or China with the banks.","start":1335.1951,"end":1341.52,"sentiment":"neutral","sentiment_score":-0.08278877447758402},{"text":"We've had COVID.","start":1341.98,"end":1343.12,"sentiment":"neutral","sentiment_score":-0.11023401468992233},{"text":"We've got this straight of Hormuz, all these kind of things.","start":1343.5801,"end":1346.38,"sentiment":"neutral","sentiment_score":-0.108323392204263},{"text":"There's always something causing fluctuations.","start":1346.38,"end":1348.24,"sentiment":"neutral","sentiment_score":-0.10843474566936492}],"sentiment":"neutral","sentiment_score":-0.06470356788486242,"num_words":56,"start":1329.755,"end":1348.24},{"sentences":[{"text":"So we just need to kind of get you the best quality investments through that ten ten year period at a time.","start":1348.7001,"end":1354.24,"sentiment":"neutral","sentiment_score":0.10303395173766396},{"text":"And once you've built up enough, we can kind of start to wind back the risk in your fifties and start protecting what you've built.","start":1354.445,"end":1360.945,"sentiment":"neutral","sentiment_score":0.13252082228660583},{"text":"K.","start":1363.645,"end":1364.145,"sentiment":"neutral","sentiment_score":0.1146264150738716},{"text":"That's pretty much it for the super.","start":1364.845,"end":1366.445,"sentiment":"neutral","sentiment_score":0.2423707310642515},{"text":"Any questions for me, Brenda?","start":1366.445,"end":1368.3,"sentiment":"neutral","sentiment_score":0.09331583082675934}],"sentiment":"neutral","sentiment_score":0.13095946970085304,"num_words":60,"start":1348.7001,"end":1368.3},{"sentences":[{"text":"Cool.","start":1371.5,"end":1372.0,"sentiment":"neutral","sentiment_score":0.27261197566986084},{"text":"The rest of the document just goes through wills, power of attorneys, beneficiaries, and so on.","start":1372.06,"end":1376.3,"sentiment":"neutral","sentiment_score":0.14457395114004612},{"text":"We've got our advice fees.","start":1376.3,"end":1377.92,"sentiment":"neutral","sentiment_score":0.14270179271697997},{"text":"The towel still pays the 22% trailing commission to look after the insurance policy.","start":1378.62,"end":1383.4401,"sentiment":"neutral","sentiment_score":0.13776248214500292},{"text":"So one quick reminder I've got for you is if something does happen to you and you need a claim on the insurances, obviously, we're probably not the first people you call, but we'd like to be the second because we can help you through the claims process, help you through some advice there as well.","start":1383.635,"end":1398.63,"sentiment":"neutral","sentiment_score":0.11829836879457746}],"sentiment":"neutral","sentiment_score":0.1288335604350204,"num_words":92,"start":1371.5,"end":1398.63},{"sentences":[{"text":"Yes.","start":1405.4099,"end":1405.8899,"sentiment":"neutral","sentiment_score":0.039843738079071045},{"text":"So if you're out of work for more than your waiting period, you can do an income protection claim.","start":1405.8899,"end":1410.95,"sentiment":"neutral","sentiment_score":-0.026120351774519997},{"text":"If you get diagnosed with something or an injury where you can never work again, that's where your lump sum total disability cover comes in, and, obviously, if you pass away life insurance.","start":1411.455,"end":1421.635,"sentiment":"neutral","sentiment_score":-0.057304085733256106},{"text":"K.","start":1426.03,"end":1426.35,"sentiment":"neutral","sentiment_score":0.034442488104104996},{"text":"There is an authority to proceed at the bottom there, so that's through that digital signing link.","start":1426.35,"end":1430.9299,"sentiment":"neutral","sentiment_score":0.05111883712165496}],"sentiment":"neutral","sentiment_score":-0.020338240220591847,"num_words":71,"start":1405.4099,"end":1430.9299},{"sentences":[{"text":"Basically, the steps to implement on the twenty ninth page is we get your consent first, then we can pretty much just hop on the hub and do an investment switch order.","start":1431.15,"end":1441.265,"sentiment":"neutral","sentiment_score":0.06423040083609521},{"text":"And the only thing that we can't do for you is obviously talk to a lawyer and get that will in place.","start":1441.645,"end":1446.865,"sentiment":"neutral","sentiment_score":-0.022666062059050255},{"text":"Yep.","start":1454.38,"end":1454.88,"sentiment":"neutral","sentiment_score":0.22497591376304624},{"text":"Easy done.","start":1454.9401,"end":1455.58,"sentiment":"positive","sentiment_score":0.4112420231103897},{"text":"If you do have any questions on it, like, yeah, give us a buzz.","start":1455.58,"end":1457.74,"sentiment":"neutral","sentiment_score":0.21689985479627336}],"sentiment":"neutral","sentiment_score":0.07944756885334639,"num_words":71,"start":1431.15,"end":1457.74},{"sentences":[{"text":"We're happy to kind of talk you through it or answer any questions that we can.","start":1457.74,"end":1461.135,"sentiment":"positive","sentiment_score":0.34113812167197466},{"text":"Cool.","start":1464.495,"end":1464.895,"sentiment":"positive","sentiment_score":0.42051705718040466},{"text":"Mate, that's pretty much everything for me.","start":1464.895,"end":1466.495,"sentiment":"positive","sentiment_score":0.43254540647779194},{"text":"There's a bunch of supporting documents, again, links to the PDFs.","start":1466.495,"end":1469.395,"sentiment":"neutral","sentiment_score":0.21493882211771878},{"text":"There's an appendix there.","start":1469.455,"end":1470.915,"sentiment":"neutral","sentiment_score":0.16440383344888687}],"sentiment":"neutral","sentiment_score":0.305858646829923,"num_words":39,"start":1457.74,"end":1470.915},{"sentences":[{"text":"There's updated product documents from Hub, the investment menu that shows you there, 1,300 options and all the rest of it.","start":1471.135,"end":1478.31,"sentiment":"neutral","sentiment_score":0.24528330990246364},{"text":"Any questions for me before I let you go for your weekend?","start":1479.89,"end":1482.15,"sentiment":"neutral","sentiment_score":0.13289028281966844},{"text":"Fantastic.","start":1489.745,"end":1490.245,"sentiment":"positive","sentiment_score":0.6054002642631531},{"text":"Thank you very much for that.","start":1491.1849,"end":1492.3049,"sentiment":"positive","sentiment_score":0.7126893202463785},{"text":"I'll pencil you in for those quarterly catch ups.","start":1492.3049,"end":1494.725,"sentiment":"positive","sentiment_score":0.3673393759462569}],"sentiment":"neutral","sentiment_score":0.30475966267439786,"num_words":49,"start":1471.135,"end":1494.725},{"sentences":[{"text":"I'm personally going on a bit of leave in June.","start":1495.2649,"end":1498.485,"sentiment":"neutral","sentiment_score":0.057297924533486366},{"text":"Got a got a daughter on the way to mix in with my two boys.","start":1498.5449,"end":1502.11,"sentiment":"neutral","sentiment_score":0.2817734281222026},{"text":"Thank you.","start":1502.1699,"end":1502.73,"sentiment":"positive","sentiment_score":0.6877678036689758},{"text":"So three of those.","start":1502.73,"end":1504.11,"sentiment":"neutral","sentiment_score":0.3314490094780922},{"text":"And I'll be yeah.","start":1504.8899,"end":1507.0499,"sentiment":"neutral","sentiment_score":0.1191425696015358}],"sentiment":"neutral","sentiment_score":0.2279280740235533,"num_words":35,"start":1495.2649,"end":1507.0499},{"sentences":[{"text":"That's family building done.","start":1507.0499,"end":1508.5099,"sentiment":"positive","sentiment_score":0.33937010914087296},{"text":"But we've got what is it now?","start":1511.37,"end":1513.61,"sentiment":"neutral","sentiment_score":0.022733273782900403},{"text":"May.","start":1513.61,"end":1514.5099,"sentiment":"neutral","sentiment_score":0.03305203840136528},{"text":"Yeah.","start":1514.6951,"end":1514.775,"sentiment":"neutral","sentiment_score":0.07595642656087875},{"text":"I'll probably be catching up with you in July or August to see how the portfolio is tracking.","start":1514.775,"end":1519.0951,"sentiment":"neutral","sentiment_score":0.1689089702235328}],"sentiment":"neutral","sentiment_score":0.15051558974289125,"num_words":31,"start":1507.0499,"end":1519.0951},{"sentences":[{"text":"Hopefully, the world's settled down a tiny bit, and we can see a bit of growth out of that high growth fund.","start":1519.0951,"end":1524.3151,"sentiment":"neutral","sentiment_score":0.24061780829321255},{"text":"Awesome, mate.","start":1527.127,"end":1527.6869,"sentiment":"positive","sentiment_score":0.857469916343689},{"text":"Well, have a fantastic weekend.","start":1527.6869,"end":1529.2069,"sentiment":"positive","sentiment_score":0.822288429737091},{"text":"Any questions at all, just give us a buzz.","start":1529.2069,"end":1531.3868,"sentiment":"positive","sentiment_score":0.4343428942892287},{"text":"Thanks, Brandon.","start":1533.7668,"end":1534.5669,"sentiment":"positive","sentiment_score":0.7031722962856293}],"sentiment":"positive","sentiment_score":0.41088511012494566,"num_words":40,"start":1519.0951,"end":1534.5669},{"sentences":[{"text":"Bye.","start":1534.5669,"end":1535.0669,"sentiment":"positive","sentiment_score":0.4904095530509949}],"sentiment":"positive","sentiment_score":0.4904095530509949,"num_words":1,"start":1534.5669,"end":1535.0669}]}}]},{"alternatives":[{"transcript":"Hello. This is Brandon. Hey, Tommy. You're doing pretty well. Thank you. How are you? Fantastic. Yep. I definitely am. Yep. Date of birth is 12/28/1994. Address is 21 Masters Street, Kennewick, WA 6107. Yep. That'll just be firstname.lastname@Gmail.com. Yep. Yeah. I can just open it up now. Yep. Just got it. Yep. No worries. Do you mind if I just put you under a headset just so I'll bring my hands up? It'll just be a sec. Can you tell me? Yep. I've still got you. Yep. Just one second. Yep. I've got that one open in front of me now. Sure. Yes. I've got that hijacked. And yeah. That's correct. Yes. Yeah. That's correct. That'd be great. Even earlier, it still is good. But Yeah. Wouldn't it? Yeah. Yeah. I I couldn't just quit everything. I need something to keep me busy. I'd I'd like to think I'd go into some sort sort of philanthropic work or something like that, but, yeah, hard to say. Yeah. Yeah. No. I haven't. I need to do that. Yeah. Okay. And the the advertisement do it at home is enough sort of thing? Okay. I do. It's probably a good idea just to get in place then. Hey. Cool. Yeah. I've I've made a note of that. I'll I'll check that up. Yep. Yeah. Yeah. There's there's always potential for me to go into work that has an element of this built into the the salary package. So maybe we get to a point where after or it'd be smart to remove this from. That might not be a bad idea. Hey. Yeah. Just just some some minor sort of check-in five minutes in every quarter just to make sure that none of this has changed yet. Yep. Yeah. Yeah. And that's that's something that between myself and my partner, we review monthly anyway. So we're we're on top of all of that. We have a very good idea about in in and out ins and outs cash flow. Yeah. Control systems engineer. So I I love numbers. I love keeping our numbers. Yep. Yeah. So it's alright. It could be better, but it's it's alright for now. Yeah. The the the offset account's gone up a little bit. The I think the mortgage is a little bit less than that currently as well. Yeah. We we got a a bit of a desktop evaluation done. It's just as part of our, I guess, excursion into looking at investment properties and the like, and I think we're sitting at 08:40 last time the evaluation was done. But it's just good. Yeah. It's great. It's creeping up, and there's some equity building in that, which is fantastic. Do you want figures for outstanding loan and offset account and things like that? Yeah. Cool. The offset's sitting at 60,000 at the moment. And actually actually, that mortgage amount is correct, or it's $6.04 5 at the moment, but, yeah, close enough. And and and I could find the the house evaluation too. I'm pretty sure that's what it was. Yeah. Yeah. Yeah. I mean, at at the end of the day, this doesn't really make much of a difference on anything, does it? It's just that yep. Yeah. Chuck that 40 down. That's that's close enough for this purpose. Yep. Yeah. I'm on that now. Yep. Cool. And just out of curiosity, what was the the fund or the index that we'd gone with instead of Benelon? Sorry. Jumping the gun a bit. Sure. Sure. Cool. Yeah. Yeah. That's handy, hey? Sort of manages it in house. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. I was gonna ask, b h y b was a bank bond, wasn't it? Yep. Yeah. Because I'm looking to consolidate a little bit of my own share portfolio. I'm a little bit over represented in in gold in a gold ETF. So I was looking at either b b h y b or I h h y, I think it was, which is a similar thing. It's a bond ETF, but I should probably do a little bit more research into the how these bond ETFs are actually done. Right? And and whether they're not whether they're actually being treated as a bond and not try to be treated as a as a share. Right? Yeah. Yep. Yes. Yep. Yes. Yeah. Yeah. Cool. Yeah. So I'm I'm just looking at getting another sort of income type investment. I've got quite a large holding in Vanguard High Yield, which is a pretty good dividend paying one, but they're just looking to diversify out of that into another yeah. Yeah. Generating generating assets. But yeah. Cool. No. This is just some some half research that I've done and haven't given enough time for it, but it's just interesting that it came up. Yeah. Yeah. Well, the the mortgage offset is gonna pay five and a half percent, so that's that's always a good metric. Yeah. Exactly. Yeah. Yep. Yep. Yep. Yep. Yeah. Cool. Yep. Yeah. Yeah. Yeah. It's well, it's been a funny funny couple of years anyway, hasn't it? I mean, not just the last twelve months, but beyond that, it's been it's been a lot all over the show with uncertainty. Yep. Yep. Yeah. No. No. All pretty straightforward. Yeah. And this this is sort of to cover anything that prevents me from making an income. Right? Yep. Yeah. Yeah. Yeah. That's that's something I'll I'll chase up and and get sorted out. Yeah. Even if it's just a simple Australia post time. Yeah. Yeah. Cool. No. No. It's good to touch base, check-in, and yeah. No. No questions from me at all. I'll just sign that now. Oh, congrats. Yeah. Wow. Yeah. Yeah. Definitely. Yeah. Sounds good. Cheers, Tommy. You too, mate. Alright. 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This is Brandon. Hey, Tommy. You're doing pretty well. Thank you.\n\nHow are you? Fantastic. Yep. I definitely am. Yep.\n\nDate of birth is 12/28/1994. Address is 21 Masters Street, Kennewick, WA 6107. Yep. That'll just be firstname.lastname@Gmail.com. Yep.\n\nYeah. I can just open it up now. Yep. Just got it. Yep.\n\nNo worries. Do you mind if I just put you under a headset just so I'll bring my hands up? It'll just be a sec. Can you tell me? Yep.\n\nI've still got you. Yep. Just one second. Yep. I've got that one open in front of me now.\n\nSure. Yes. I've got that hijacked. And yeah. That's correct.\n\nYes. Yeah. That's correct. That'd be great. Even earlier, it still is good.\n\nBut Yeah. Wouldn't it? Yeah. Yeah. I I couldn't just quit everything.\n\nI need something to keep me busy. I'd I'd like to think I'd go into some sort sort of philanthropic work or something like that, but, yeah, hard to say. Yeah. Yeah. No.\n\nI haven't. I need to do that. Yeah. Okay. And the the advertisement do it at home is enough sort of thing?\n\nOkay. I do. It's probably a good idea just to get in place then. Hey. Cool.\n\nYeah. I've I've made a note of that. I'll I'll check that up. Yep. Yeah.\n\nYeah. There's there's always potential for me to go into work that has an element of this built into the the salary package. So maybe we get to a point where after or it'd be smart to remove this from. That might not be a bad idea. Hey.\n\nYeah. Just just some some minor sort of check-in five minutes in every quarter just to make sure that none of this has changed yet. Yep. Yeah. Yeah.\n\nAnd that's that's something that between myself and my partner, we review monthly anyway. So we're we're on top of all of that. We have a very good idea about in in and out ins and outs cash flow. Yeah. Control systems engineer.\n\nSo I I love numbers. I love keeping our numbers. Yep. Yeah. So it's alright.\n\nIt could be better, but it's it's alright for now. Yeah. The the the offset account's gone up a little bit. The I think the mortgage is a little bit less than that currently as well. Yeah.\n\nWe we got a a bit of a desktop evaluation done. It's just as part of our, I guess, excursion into looking at investment properties and the like, and I think we're sitting at 08:40 last time the evaluation was done. But it's just good. Yeah. It's great.\n\nIt's creeping up, and there's some equity building in that, which is fantastic. Do you want figures for outstanding loan and offset account and things like that? Yeah. Cool. The offset's sitting at 60,000 at the moment.\n\nAnd actually actually, that mortgage amount is correct, or it's $6.04 5 at the moment, but, yeah, close enough. And and and I could find the the house evaluation too. I'm pretty sure that's what it was. Yeah. Yeah.\n\nYeah. I mean, at at the end of the day, this doesn't really make much of a difference on anything, does it? It's just that yep. Yeah. Chuck that 40 down.\n\nThat's that's close enough for this purpose. Yep. Yeah. I'm on that now. Yep.\n\nCool. And just out of curiosity, what was the the fund or the index that we'd gone with instead of Benelon? Sorry. Jumping the gun a bit. Sure.\n\nSure. Cool. Yeah. Yeah. That's handy, hey?\n\nSort of manages it in house. Yeah. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yeah. I was gonna ask, b h y b was a bank bond, wasn't it?\n\nYep. Yeah. Because I'm looking to consolidate a little bit of my own share portfolio. I'm a little bit over represented in in gold in a gold ETF. So I was looking at either b b h y b or I h h y, I think it was, which is a similar thing.\n\nIt's a bond ETF, but I should probably do a little bit more research into the how these bond ETFs are actually done. Right? And and whether they're not whether they're actually being treated as a bond and not try to be treated as a as a share. Right? Yeah.\n\nYep. Yes. Yep. Yes. Yeah.\n\nYeah. Cool. Yeah. So I'm I'm just looking at getting another sort of income type investment. I've got quite a large holding in Vanguard High Yield, which is a pretty good dividend paying one, but they're just looking to diversify out of that into another yeah.\n\nYeah. Generating generating assets. But yeah. Cool. No.\n\nThis is just some some half research that I've done and haven't given enough time for it, but it's just interesting that it came up. Yeah. Yeah. Well, the the mortgage offset is gonna pay five and a half percent, so that's that's always a good metric. Yeah.\n\nExactly. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. Cool. Yep. Yeah.\n\nYeah. Yeah. It's well, it's been a funny funny couple of years anyway, hasn't it? I mean, not just the last twelve months, but beyond that, it's been it's been a lot all over the show with uncertainty. Yep.\n\nYep. Yeah. No. No. All pretty straightforward.\n\nYeah. And this this is sort of to cover anything that prevents me from making an income. Right? Yep. Yeah.\n\nYeah. Yeah. That's that's something I'll I'll chase up and and get sorted out. Yeah. Even if it's just a simple Australia post time.\n\nYeah. Yeah. Cool. No. No.\n\nIt's good to touch base, check-in, and yeah. No. No questions from me at all. I'll just sign that now. Oh, congrats.\n\nYeah. Wow. Yeah. Yeah. Definitely.\n\nYeah. Sounds good. Cheers, Tommy. You too, mate. Alright.\n\nSee you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.04,"sentiment":"neutral","sentiment_score":0.053100891411304474},{"text":"This is Brandon.","start":1.04,"end":1.86,"sentiment":"neutral","sentiment_score":0.056295402348041534},{"text":"Hey, Tommy.","start":7.68,"end":8.32,"sentiment":"positive","sentiment_score":0.4420875161886215},{"text":"You're doing pretty well.","start":8.32,"end":9.2,"sentiment":"positive","sentiment_score":0.6963462382555008},{"text":"Thank you.","start":9.2,"end":9.44,"sentiment":"positive","sentiment_score":0.7165198028087616}],"sentiment":"positive","sentiment_score":0.44371555745601654,"num_words":12,"start":0.71999997,"end":9.44},{"sentences":[{"text":"How are 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thing.","start":1030.97,"end":1038.01,"sentiment":"neutral","sentiment_score":0.024426354989409448}],"sentiment":"neutral","sentiment_score":0.0516069118671541,"num_words":53,"start":1005.07,"end":1038.01},{"sentences":[{"text":"It's a bond ETF, but I should probably do a little bit more research into the how these bond ETFs are actually done.","start":1038.01,"end":1047.005,"sentiment":"neutral","sentiment_score":0.04668351198020189},{"text":"Right?","start":1047.005,"end":1047.3251,"sentiment":"neutral","sentiment_score":0.025201156735420227},{"text":"And and whether they're not whether they're actually being treated as a bond and not try to be treated as a as a 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I'm I'm just looking at getting another sort of income type investment.","start":1127.33,"end":1134.4149,"sentiment":"neutral","sentiment_score":0.10742903156922413},{"text":"I've got quite a large holding in Vanguard High Yield, which is a pretty good dividend paying one, but they're just looking to diversify out of that into another yeah.","start":1134.7949,"end":1146.6549,"sentiment":"neutral","sentiment_score":0.23589679847160974}],"sentiment":"neutral","sentiment_score":0.19734718278050423,"num_words":46,"start":1126.45,"end":1146.6549},{"sentences":[{"text":"Yeah.","start":1149.06,"end":1149.14,"sentiment":"neutral","sentiment_score":0.03594942018389702},{"text":"Generating generating assets.","start":1149.14,"end":1150.9,"sentiment":"neutral","sentiment_score":0.08772814273834229},{"text":"But yeah.","start":1150.9,"end":1151.2201,"sentiment":"neutral","sentiment_score":0.1219126470386982},{"text":"Cool.","start":1151.2201,"end":1151.54,"sentiment":"neutral","sentiment_score":0.26814019680023193},{"text":"No.","start":1151.54,"end":1151.7001,"sentiment":"neutral","sentiment_score":0.1541549265384674}],"sentiment":"neutral","sentiment_score":0.12065678322687745,"num_words":8,"start":1149.06,"end":1151.7001},{"sentences":[{"text":"This is just some some half research that I've done and haven't given enough time for it, but it's just interesting that it came up.","start":1151.7001,"end":1157.24,"sentiment":"neutral","sentiment_score":0.16899240344762803},{"text":"Yeah.","start":1167.555,"end":1168.055,"sentiment":"neutral","sentiment_score":0.08127126097679138},{"text":"Yeah.","start":1174.14,"end":1174.4601,"sentiment":"neutral","sentiment_score":0.14997151494026184},{"text":"Well, the the mortgage offset is gonna pay five and a half percent, so that's that's always a good metric.","start":1174.4601,"end":1178.88,"sentiment":"neutral","sentiment_score":0.24935398623347282},{"text":"Yeah.","start":1181.1001,"end":1181.42,"sentiment":"neutral","sentiment_score":-0.017399098724126816}],"sentiment":"neutral","sentiment_score":0.19636944766777256,"num_words":48,"start":1151.7001,"end":1181.42},{"sentences":[{"text":"Exactly.","start":1181.42,"end":1181.92,"sentiment":"neutral","sentiment_score":0.1102842018008232},{"text":"Yeah.","start":1183.42,"end":1183.92,"sentiment":"neutral","sentiment_score":0.2052905559539795},{"text":"Yep.","start":1211.7001,"end":1212.2001,"sentiment":"neutral","sentiment_score":0.016258452087640762},{"text":"Yep.","start":1230.45,"end":1230.95,"sentiment":"neutral","sentiment_score":0.05738329514861107},{"text":"Yep.","start":1250.8251,"end":1251.3251,"sentiment":"neutral","sentiment_score":0.10125824064016342}],"sentiment":"neutral","sentiment_score":0.09809494912624359,"num_words":5,"start":1181.42,"end":1251.3251},{"sentences":[{"text":"Yep.","start":1261.64,"end":1261.88,"sentiment":"neutral","sentiment_score":0.1142009049654007},{"text":"Yeah.","start":1261.88,"end":1262.2,"sentiment":"neutral","sentiment_score":0.2009926736354828},{"text":"Cool.","start":1262.2,"end":1262.7,"sentiment":"neutral","sentiment_score":0.2344706803560257},{"text":"Yep.","start":1297.905,"end":1298.405,"sentiment":"neutral","sentiment_score":0.19226710498332977},{"text":"Yeah.","start":1298.465,"end":1298.965,"sentiment":"neutral","sentiment_score":0.2192288190126419}],"sentiment":"neutral","sentiment_score":0.19223203659057617,"num_words":5,"start":1261.64,"end":1298.965},{"sentences":[{"text":"Yeah.","start":1316.9299,"end":1317.1699,"sentiment":"neutral","sentiment_score":0.10125260055065156},{"text":"Yeah.","start":1317.1699,"end":1317.4099,"sentiment":"neutral","sentiment_score":0.1115897223353386},{"text":"It's well, it's been a funny funny couple of years anyway, hasn't it?","start":1317.4099,"end":1321.0099,"sentiment":"neutral","sentiment_score":0.07210876420140266},{"text":"I mean, not just the last twelve months, but beyond that, it's been it's been a lot all over the show with uncertainty.","start":1321.0099,"end":1327.35,"sentiment":"neutral","sentiment_score":-0.01950470835942289},{"text":"Yep.","start":1333.9451,"end":1334.4451,"sentiment":"neutral","sentiment_score":0.0058889249339699745}],"sentiment":"neutral","sentiment_score":0.01814197154285816,"num_words":39,"start":1316.9299,"end":1334.4451},{"sentences":[{"text":"Yep.","start":1361.365,"end":1361.845,"sentiment":"neutral","sentiment_score":0.1054990291595459},{"text":"Yeah.","start":1361.845,"end":1362.345,"sentiment":"neutral","sentiment_score":0.0995965525507927},{"text":"No.","start":1368.965,"end":1369.285,"sentiment":"neutral","sentiment_score":-0.006203766912221909},{"text":"No.","start":1369.285,"end":1369.605,"sentiment":"neutral","sentiment_score":0.03774893283843994},{"text":"All pretty straightforward.","start":1369.605,"end":1370.505,"sentiment":"neutral","sentiment_score":0.12963058551152548}],"sentiment":"neutral","sentiment_score":0.08936178631016187,"num_words":7,"start":1361.365,"end":1370.505},{"sentences":[{"text":"Yeah.","start":1399.32,"end":1399.64,"sentiment":"neutral","sentiment_score":0.035560596734285355},{"text":"And this this is sort of to cover anything that prevents me from making an income.","start":1399.64,"end":1404.0399,"sentiment":"neutral","sentiment_score":-0.015882909996435046},{"text":"Right?","start":1404.0399,"end":1404.5399,"sentiment":"neutral","sentiment_score":0.020076772198081017},{"text":"Yep.","start":1422.4249,"end":1422.9249,"sentiment":"neutral","sentiment_score":0.03576543927192688},{"text":"Yeah.","start":1423.5449,"end":1424.0449,"sentiment":"neutral","sentiment_score":0.03796198219060898}],"sentiment":"neutral","sentiment_score":-0.0062380884774029255,"num_words":20,"start":1399.32,"end":1424.0449},{"sentences":[{"text":"Yeah.","start":1447.845,"end":1448.1649,"sentiment":"neutral","sentiment_score":0.023078322410583496},{"text":"Yeah.","start":1448.1649,"end":1448.4049,"sentiment":"neutral","sentiment_score":0.024846980348229408},{"text":"That's that's something I'll I'll chase up and and get sorted out.","start":1448.4049,"end":1451.845,"sentiment":"neutral","sentiment_score":0.04656431327263514},{"text":"Yeah.","start":1451.845,"end":1452.0049,"sentiment":"neutral","sentiment_score":0.046683169901371},{"text":"Even if it's just a simple Australia post time.","start":1452.0049,"end":1454.1849,"sentiment":"neutral","sentiment_score":0.039922107838922076}],"sentiment":"neutral","sentiment_score":0.04219496677008768,"num_words":24,"start":1447.845,"end":1454.1849},{"sentences":[{"text":"Yeah.","start":1462.54,"end":1462.9401,"sentiment":"neutral","sentiment_score":0.14009124040603638},{"text":"Yeah.","start":1462.9401,"end":1463.18,"sentiment":"neutral","sentiment_score":0.20159728825092316},{"text":"Cool.","start":1463.18,"end":1463.68,"sentiment":"positive","sentiment_score":0.3887076377868652},{"text":"No.","start":1483.6,"end":1484.1,"sentiment":"neutral","sentiment_score":-0.10014604777097702},{"text":"No.","start":1484.16,"end":1484.5599,"sentiment":"neutral","sentiment_score":-0.10747653245925903}],"sentiment":"neutral","sentiment_score":0.10455471724271774,"num_words":5,"start":1462.54,"end":1484.5599},{"sentences":[{"text":"It's good to touch base, check-in, and yeah.","start":1484.5599,"end":1487.76,"sentiment":"neutral","sentiment_score":0.1047183321788907},{"text":"No.","start":1487.76,"end":1487.9199,"sentiment":"neutral","sentiment_score":0.0009049735963344574},{"text":"No questions from me at all.","start":1487.9199,"end":1489.2,"sentiment":"neutral","sentiment_score":0.013360645622015},{"text":"I'll just sign that now.","start":1489.2,"end":1490.74,"sentiment":"positive","sentiment_score":0.42136924862861636},{"text":"Oh, congrats.","start":1500.865,"end":1501.525,"sentiment":"positive","sentiment_score":0.44921213388442993}],"sentiment":"neutral","sentiment_score":0.178367546166886,"num_words":22,"start":1484.5599,"end":1501.525},{"sentences":[{"text":"Yeah.","start":1502.625,"end":1503.125,"sentiment":"neutral","sentiment_score":0.2704819440841675},{"text":"Wow.","start":1505.265,"end":1505.585,"sentiment":"neutral","sentiment_score":0.1341506838798523},{"text":"Yeah.","start":1505.585,"end":1506.085,"sentiment":"neutral","sentiment_score":0.10656175762414932},{"text":"Yeah.","start":1508.25,"end":1508.75,"sentiment":"neutral","sentiment_score":0.09126731753349304},{"text":"Definitely.","start":1515.6226,"end":1516.1226,"sentiment":"neutral","sentiment_score":0.0584784559905529}],"sentiment":"neutral","sentiment_score":0.13218803182244301,"num_words":5,"start":1502.625,"end":1516.1226},{"sentences":[{"text":"Yeah.","start":1523.395,"end":1523.895,"sentiment":"neutral","sentiment_score":0.09923818707466124},{"text":"Sounds good.","start":1525.795,"end":1526.615,"sentiment":"positive","sentiment_score":0.7474167048931122},{"text":"Cheers, Tommy.","start":1531.955,"end":1532.675,"sentiment":"positive","sentiment_score":0.6664385795593262},{"text":"You too, mate.","start":1532.675,"end":1533.495,"sentiment":"positive","sentiment_score":0.5586443940798441},{"text":"Alright.","start":1534.995,"end":1535.315,"sentiment":"positive","sentiment_score":0.3465266823768616}],"sentiment":"positive","sentiment_score":0.5499342911773257,"num_words":9,"start":1523.395,"end":1535.315},{"sentences":[{"text":"See you.","start":1535.315,"end":1536.055,"sentiment":"neutral","sentiment_score":0.1650463975965977}],"sentiment":"neutral","sentiment_score":0.1650463975965977,"num_words":2,"start":1535.315,"end":1536.055}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Brandon.\n\nChannel 0: Good afternoon, Brandon. It's Tommy here, senior adviser from Oakview. How are you doing this fine Friday?\n\nChannel 1: Hey, Tommy. You're doing pretty well. Thank you. How are you?\n\nChannel 0: I'm living the dream, mate. Living the dream.\n\nChannel 1: Fantastic.\n\nChannel 0: I've got an updated statement of advice here for you that Kyle was putting together.\n\nChannel 1: Yep.\n\nChannel 0: Are you okay to run through this with me today?\n\nChannel 1: I definitely am.\n\nChannel 0: Fantastic. Before I do so, usual quick checks. Are you okay for this call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Amazing. And I am registered with ASIC as adviser one two seven three one zero five. Just for the security of your information, could you please confirm your date of birth and address?\n\nChannel 1: Date of birth is 12/28/1994. Address is 21 Masters Street, Kennewick, WA 6107.\n\nChannel 0: Sensational. So I'm gonna pop this through to your Gmail account. Is that still okay?\n\nChannel 1: Yep. That'll just be firstname.lastname@Gmail.com.\n\nChannel 0: That's the one. And will you be able to kinda, like, look onto the documents with me today?\n\nChannel 1: Yep. Yeah. I can just open it up now.\n\nChannel 0: Awesome. So I'm gonna send this through now. It's coming through from our new CRM and your system. So it may go through to your spam box or your main box. It usually comes through pretty quickly, and it should be listed as a a few financial statement of advice.\n\nChannel 1: Yep. Just got it.\n\nChannel 0: Cool. So with these emails, we've got attachments there. So the statement of advice is attached with some supporting documents for us to look onto together, and then there's a digital authorization if you're happy with the plan.\n\nChannel 1: Yep. No worries. Do you mind\n\nChannel 0: So\n\nChannel 1: if I just put you under a headset just so I'll bring my hands up?\n\nChannel 0: Yeah.\n\nChannel 1: It'll just be\n\nChannel 0: No\n\nChannel 1: a sec.\n\nChannel 0: worries at all.\n\nChannel 1: Can you tell me?\n\nChannel 0: Yep. I can hear you loud and clear. Can you hear me?\n\nChannel 1: Yep. I've still got you.\n\nChannel 0: Perfect. Perfect. So when you go into the attachments, one of them will be listed as the actual statement of advice, and it should have a beachfront city logo looking like the Gold Coast there. If you can open that one up for me.\n\nChannel 1: Yep. Just one second.\n\nChannel 0: No worries.\n\nChannel 1: Yep. I've got that one open in front of me now.\n\nChannel 0: Perfect. So what I'm gonna walk you through just to start with is my details are on the front of this document registered with ASIC just because I'm the one presenting the advice just to make sure you've got all my licensing details on the front. If you can flick through to the fourth page, the one of the key areas is the scope of advice. It should be like a blue heading there on page three and four, and it's basically what we are considering to provide advice on versus what is currently out of scope for this particular document.\n\nChannel 1: Sure.\n\nChannel 0: K? Can you see that page there?\n\nChannel 1: Yes. I've got that hijacked. And yeah.\n\nChannel 0: Cool. So the main thing for this advice document really was a review of the super portfolio. One of the things that came up with Kyle was that you'd gone through, like, a risk profile discussion and sort of agreed to go a bit more high growth with the super at the moment, try and get some higher long term returns, especially\n\nChannel 1: That's correct.\n\nChannel 0: given your time frame. Does that ring a bell?\n\nChannel 1: Yes. Yeah. That's correct.\n\nChannel 0: Awesome. Now we do have an ideal retirement age of 60, so trying to retire earlier rather than waiting for the age pension at 67. Does that sound correct?\n\nChannel 1: That'd be great. Even earlier,\n\nChannel 0: That'd be\n\nChannel 1: it still\n\nChannel 0: fantastic.\n\nChannel 1: is good. But\n\nChannel 0: Amazing. It's one of the things with Supra is we can't touch it until 60. Anything\n\nChannel 1: Yeah.\n\nChannel 0: before 60, we're gonna do some investing on the side and get a bit of assets going before that. But, yep, tomorrow would be ideal.\n\nChannel 1: Wouldn't it?\n\nChannel 0: We've got actually, it's a strange question because I ask this question all the time of people, would you retire early or keep working? And I've had a fifty fifty split over the last twelve years, and half the country tells me, yep. For one, the lotto, I'd be out, and the other half is like, oh, I wouldn't know what to do with myself. I always want something to do even if it's part time. So it's an\n\nChannel 1: Yeah.\n\nChannel 0: interesting one.\n\nChannel 1: Yeah. I I couldn't just quit everything. I need something to keep me busy. I'd I'd like to think I'd go into some sort sort of philanthropic work or something like that, but, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: hard\n\nChannel 0: So\n\nChannel 1: to say.\n\nChannel 0: have the freedom to not have to work, but then be\n\nChannel 1: Yeah.\n\nChannel 0: able to do what you wanna do because not for money's sake, but because you wanna do it.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. We have identified just estate planning wise, we've included a few reminders there just to get a will and power of attorney in place if you haven't already done so.\n\nChannel 1: No.\n\nChannel 0: And,\n\nChannel 1: I haven't. I need to do that.\n\nChannel 0: yep, that's fine. Quick little info tidbit on that. Obviously, solicitors do wills, but there's also public trustees of every state. If you ever inclined to do so, like the the courthouse around Perth does appointments for wills and power of attorneys. And the Australia Post has $25 will kits and power of attorney kits as well.\n\nChannel 1: Yeah. Okay. And the the advertisement do it at home\n\nChannel 0: Yeah.\n\nChannel 1: is enough sort\n\nChannel 0: They're\n\nChannel 1: of thing?\n\nChannel 0: through the government, essentially, and they're basically for basic situations. They can't do everything complex under the sun, but as long as you get them kind of witnessed and filled out correctly, they do count, and they're pretty good for people if it's just, you know, your your home, your savings, your car, your shoes, that type of thing. It\n\nChannel 1: Okay.\n\nChannel 0: won't give\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: do.\n\nChannel 0: a testamentary trust that triggers upon death to look after minor children, but it'll do the basic job.\n\nChannel 1: It's probably a good idea just to get in place then. Hey.\n\nChannel 0: Yeah. And then always you can always update it.\n\nChannel 1: Cool. Yeah. I've\n\nChannel 0: Cool.\n\nChannel 1: I've made a note of that. I'll I'll check that up.\n\nChannel 0: Fantastic. And I think there was a flag there for beneficiary nominations. I think based on our system, we've already been getting beneficiaries accepted through I can see a couple of them being accepted here for, like, superannuation insurances and so on. This was just based on your review discussion with Kyle. So it might be a little bit out of date, but just making sure those beneficiaries are in line with your wishes too.\n\nChannel 1: Yep.\n\nChannel 0: Right? Outside of scope for this one on the next page, so we weren't giving any insurance advice at this point. I think there's some context in here just talking about you wanting to kind of change roles over time, you're kind of comfortable with the life TPD and income protection that you have, and then possibly the next review, if you do change roles, we might need to review the cover. Does that sound right?\n\nChannel 1: Yeah. Yeah. There's there's always potential for me to go into work that has an element of this built into the the salary package.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Fantastic.\n\nChannel 1: maybe we get to a point where after or it'd be smart to remove this from.\n\nChannel 0: Yeah. Absolutely. So if anything pops up like that, we'll obviously capture it at each annual review and ask the same questions. But if something significant changes and you wanna call in and book up an ad hoc chat, we can do so. Even if you want me to set you up with, like, a quarterly contact point just to flag things, whatever your preference is.\n\nChannel 1: That might not be a bad idea. Hey. Yeah. Just just\n\nChannel 0: Yep.\n\nChannel 1: some some minor sort of check-in five minutes in every quarter just to make sure that none of this has changed yet.\n\nChannel 0: Yep. Absolutely. Let me just put a quick note on the system there for the quarterly contact flag, and that'll give us a bit of an opportunity just to see how the portfolio is going, checking if there's anything else that we need to change. Sometimes it's just how you're going, and sometimes there's advice that we need to kind of update off the back of it. Alright.\n\nNow the rest of the areas out of scope, cash flow, debt management, and\n\nChannel 1: Yep.\n\nChannel 0: investment properties seems like something that you're comfortable to kind of manage, pay down debt, do some investing, manage your budget yourself, but I think we were sending through a bit of a budget planner for you just to use as a bit of a guide and tool. Does all that sound correct as well?\n\nChannel 1: Yeah. Yeah. And that's that's something that between myself and my partner, we review monthly anyway. So we're we're on top of all of that.\n\nChannel 0: You're on\n\nChannel 1: We\n\nChannel 0: top\n\nChannel 1: have\n\nChannel 0: of it.\n\nChannel 1: a very\n\nChannel 0: Yep.\n\nChannel 1: good idea about in in and out ins and outs\n\nChannel 0: Perfect.\n\nChannel 1: cash flow.\n\nChannel 0: I would definitely expect that because you're an engineer. Is that correct?\n\nChannel 1: Yeah. Control systems engineer. So I\n\nChannel 0: Yep.\n\nChannel 1: I love numbers. I love keeping our numbers.\n\nChannel 0: That's why I think engineers are some of my favorite clients because you're very detail oriented no matter\n\nChannel 1: Yep.\n\nChannel 0: which area of engineering it is, and these guys have their budgeting under control. They're, like, doing a whole bunch of different things. So yep. And decent coin in engineering as well.\n\nChannel 1: Yeah. So it's alright. It could be better, but it's it's alright for now.\n\nChannel 0: Absolutely. Mate, if you go through the next couple of pages, there's a limited advice warning. To say we're not giving advice for everything under the sun. And if any of the information that we've collected is inaccurate, that may impact the advice. And can you just quickly look on pages seven and eight for me?\n\nWe've got an about you section and your assets and liabilities. Just wanna make sure that's still pretty accurate there for your occupation, contact details, and, you know, property offset account shares, mortgage, that kind of thing.\n\nChannel 1: Yeah. The the the offset account's gone up a little bit. The I think the mortgage is a little bit less than that currently as well.\n\nChannel 0: Yep. Couple of repayments off of there. Mortgage is up a little bit. And property value, I guess that's something that changes pretty frequently in this day and age.\n\nChannel 1: Yeah. We we got a a bit of a desktop evaluation done. It's just as part of our, I guess, excursion into looking at investment properties and the like, and I think we're sitting at 08:40 last time the evaluation was done. But it's just good. Yeah.\n\nIt's great. It's creeping up, and there's some equity building in that, which is fantastic.\n\nChannel 0: Okay. Yeah. That's what you want.\n\nChannel 1: Do you want figures for outstanding loan and offset account and things like that?\n\nChannel 0: Yeah. I could update them on our system if you've got them handy.\n\nChannel 1: Yeah. Cool. The offset's sitting at 60,000 at the moment.\n\nChannel 0: $60,000 offset.\n\nChannel 1: And actually actually, that mortgage amount is correct, or it's $6.04 5 at the moment, but, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: close\n\nChannel 0: Yeah.\n\nChannel 1: enough.\n\nChannel 0: Perfect. $6.04 5. K. Got that there.\n\nChannel 1: And and and I could find the the house evaluation too.\n\nChannel 0: I can definitely put down $8.40 if you're comfortable with that, and\n\nChannel 1: I'm\n\nChannel 0: we\n\nChannel 1: pretty\n\nChannel 0: can\n\nChannel 1: sure\n\nChannel 0: always\n\nChannel 1: that's what it was.\n\nChannel 0: yep. And\n\nChannel 1: Yeah.\n\nChannel 0: if you're comfortable, I can even just do the old Google afterwards and check what property.com is saying and put in the the high conviction site for that.\n\nChannel 1: Yeah. Yeah. I mean, at at the end of the day, this doesn't really make much of a difference on anything, does it?\n\nChannel 0: No.\n\nChannel 1: It's just\n\nChannel 0: Not until\n\nChannel 1: that\n\nChannel 0: you're closer to retirement. If you're in your fifties, it makes a big difference. In the thirties, it's more of making sure that we've got a good snapshot of your situation.\n\nChannel 1: yep. Yeah. Chuck that 40 down. That's that's close enough for this\n\nChannel 0: Yep.\n\nChannel 1: purpose.\n\nChannel 0: Done and dusted. That hub balance is just based on the day that we did the research. Obviously, that fluctuates every day. And you've got insurances coming out of there from TOW. That's your life, your TPD, your income protection.\n\nIf you can scroll down through, we've got your risk profile on page ten and eleven. It just gives you a bit of an example of what the asset allocation might look like for that risk profile, but I'll actually take you through the proper allocation down below. And that should be on pages like ten, eleven, and 12.\n\nChannel 1: Yep.\n\nChannel 0: K. Now there's a big wordy section under strategy recommendations on page 12, which is the investment switch. Can you just pop down to there for me?\n\nChannel 1: Yeah. I'm on that now.\n\nChannel 0: Yep. So the long and short of this is that we're switching you to a high growth portfolio, bumping your growth assets up a little bit. Obviously, the pros and cons of that means more growth assets for higher long term returns. That's gonna increase your short term volatility. And there's a few pros and cons on the next page.\n\nBut a couple of things in particular in the middle paragraphs, We had flagged your Benelon Australian shares option as underperforming and have gotten, like, a like for like replacement of that. Still in the active style of investment, but a little bit more affordable, better performance, but not changing the style of how your super is invested.\n\nChannel 1: Yep. Cool. And just\n\nChannel 0: K.\n\nChannel 1: out of curiosity, what was the the fund or the index that we'd gone with instead of Benelon?\n\nChannel 0: Perfect. I'm gonna show you that in a second. It's actually Alfiniti. But I'll bring you down there in a moment.\n\nChannel 1: Sorry. Jumping the gun a bit.\n\nChannel 0: No. That's perfectly fine, mate. And it's one of the things where I'd love to just jump down on the document, but these, these can be a bit unwieldy sometimes.\n\nChannel 1: Sure. Sure.\n\nChannel 0: And if you're curious too, we've included PDF links in the appendix, and these are actually easily Googleable as well. So if you were to look up that bed along fund on their website and and have their own surface level snapshot of fees and performance and things like that, you would see what's been going on with that fund the last couple of years. And then when you look up this Affinity one, you can see such a stark difference between the two even just on the surface level. And then we go a little bit deeper with our research house reports as well.\n\nChannel 1: Cool. Yeah.\n\nChannel 0: One of the the cons, of course, with just your portfolio in general is it's very ETF heavy, so very low investment fees going forward. But, again, anytime we do purchases, there's a tiny brokerage fee. And with Hub twenty four, it pretty well mitigates a big chunk of that through aggregated trading. So if anyone's buying what you're selling or selling what you're buying, they will switch the parcels between accounts without charging brokerage. So it reduces it by anywhere between zero and a 100%.\n\nI just can't tell you how much on any given trade.\n\nChannel 1: Yeah. That's handy, hey? Sort of manages\n\nChannel 0: It's\n\nChannel 1: it\n\nChannel 0: actually\n\nChannel 1: in house. Yeah.\n\nChannel 0: yeah. It's like market leading. It's the only one that's currently doing it. I know MyNorth is trying to do it. Netwealth hasn't done it yet, but it's really good for ETF investors.\n\nChannel 1: Yeah.\n\nChannel 0: Capital gains tax has been factored in because anytime we sell off investments under the hood, because you're in a wrap platform, we can see all the moving parts. Whereas in a traditional fund, it's all just baked into a unit price. You don't actually get to see what happens underneath. So we have factored in that $600 worth of superannuation CGT and factored that into the switch as well, and that's been mostly offset by the sale of the.\n\nChannel 1: Yep.\n\nChannel 0: K? So if you go down past there, there's some warnings there. Of course, we can't control the weather in terms of the stock market, and we can't guarantee performance, but we try our best to make sure it performs better in the same scenarios that have happened previously, short and long term. And if you go down, here's your portfolio table on pages fifteen and sixteen.\n\nChannel 1: Yep.\n\nChannel 0: K? So at the very top, your BHYB, beta shares bank hybrid, that's actually being phased out by the government. So we thought we'd kinda just get ahead of the curve and switch that out for another option. There's a little bit of a rebalance between all of your investments because some of them have shot up really high. Some of them have gone a bit lower, and we just wanna bring it back to the right asset allocation.\n\nBut the switch I was talking about, the main one, the third last row on that first table is the sale of your Bennelong and your ClearBridge.\n\nChannel 1: Yep.\n\nChannel 0: And you can see that in red text. It's pretty bulky, $20 and $13. And on the next page, we have the purchase of the Alfiniti Australian share fund\n\nChannel 1: Yep.\n\nChannel 0: and the JB Morgan as well. The very bottom, iShares core composite bonds. That's the replacement for those bank hybrids that are being phased out. It's just a index bond fund. But that Alfiniti one, that's your active replacement of Benelon.\n\nChannel 1: Yep. Yeah. I was gonna ask, b h y b was a bank bond, wasn't\n\nChannel 0: Yes. And it was\n\nChannel 1: it? Yep.\n\nChannel 0: a very strange bank bonds. It was kind of trying to treat bank bonds like a share where they hold it for, like, five years and then it converts into a share and you get, like, a higher rate of return from it, and the government just kind of phase that out as an investment instrument altogether.\n\nChannel 1: Yeah. Because I'm looking to consolidate a little bit of my own share portfolio. I'm a little bit over represented in in gold in a gold ETF. So I was looking at either b b h y b or I h h y, I think it was, which is a similar thing. It's a bond ETF, but I should probably do a little bit more research into the how these bond ETFs are actually done.\n\nRight? And and whether they're not whether they're actually being treated as a bond and not try to be treated\n\nChannel 0: Yes.\n\nChannel 1: as a as a share. Right?\n\nChannel 0: So if you're\n\nChannel 1: Yeah.\n\nChannel 0: looking at I double h y, that's your your global high yield bond hedged with Australian dollars. So you've got hedged and unhedged versions. It's always nice to have a bit of a mix between the two.\n\nChannel 1: Yep.\n\nChannel 0: One\n\nChannel 1: Yes.\n\nChannel 0: thing that we've been looking at too is inflation linked bonds, which there is an ETF on the market for that where if inflation picks up, the bond rate pegs to it, and they increase\n\nChannel 1: Yep.\n\nChannel 0: the rate of return with the rate of inflation. So there's definitely a few floating around. Standard bonds and fixed interest, there's so many of them out there. It might be nice to do a bit of a spread. Obviously, don't spread yourself too thin\n\nChannel 1: Yes.\n\nChannel 0: with brokerage fees buying seven ETFs, but having two or three if you have enough funds there just to get a bit of fixed interest diversification can be nice. And one other quick tip is sometimes your active side of fixed interest, like the managed funds, tend to handle those low low interest rate environments really well. Like, when we were going into negative in The US and in Europe, they were switching the type of investments into corporate bonds to avoid the negative ones. But with interest rates the way they are, the standard index ones are pretty good too.\n\nChannel 1: Yeah. Yeah. Cool. Yeah. So I'm I'm just looking at getting another sort of income type investment.\n\nChannel 0: That's it.\n\nChannel 1: I've\n\nChannel 0: Yep.\n\nChannel 1: got quite a large holding in Vanguard High Yield, which is a pretty good dividend paying one, but they're\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Yep.\n\nChannel 1: looking to diversify out of that into another yeah. Yeah. Generating generating assets. But yeah. Cool.\n\nNo. This is\n\nChannel 0: Awesome.\n\nChannel 1: just some some half research that I've done and haven't given enough time for it, but it's just interesting that it came up.\n\nChannel 0: Oh, easy done, mate. And the last thing too is just compare it against your savings rates. If the, you know, if the CBA has given you four or 5% and this bond fund's done one or two for three,\n\nChannel 1: Yeah.\n\nChannel 0: five, ten, fifteen years, it's kinda like, oh, what's the point? Just make sure you compare it against something stable.\n\nChannel 1: Yeah. Well, the the mortgage offset is gonna pay five and a half percent, so that's that's always a good metric.\n\nChannel 0: Yeah. Guaranteed return. No\n\nChannel 1: Yeah.\n\nChannel 0: risk.\n\nChannel 1: Exactly.\n\nChannel 0: Great metric. Great metric.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Last thing there, we've got the cash mixed in. Obviously, that gets rebalanced at the standard 1.25% for Hub twenty '4. And your asset allocation pie chart on the next page, it is a little bit of a bump up. I think about five or 6% in terms of growth assets and still maintaining those alternatives there for gold.\n\nStill pretty heavy in into the international side of things because the Aussie side's been a bit rough.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Comparison below that. We've tried to go as conservative as possible on page eighteen and nineteen. You should see a fee comparison sort of blue table there with current recommended indifference.\n\nChannel 1: Yep.\n\nChannel 0: K. So just by switching out that investment option, investment fees go down by a couple $100 a year. We factored in the CGT. The bottom row, we have, like, the average five year performance going from about 10% to just shy of 12.\n\nChannel 1: Yep.\n\nChannel 0: And then if you go to the next page, there's a bit of a five and ten year projection there. Just a bit of an estimate for you.\n\nChannel 1: Yep. Yeah. Cool.\n\nChannel 0: So I think, conservatively, I would say probably anywhere between 25 and 50,000 would be the the estimate of difference over the next five to ten years. That would be pretty I don't think that's too out of the ordinary or overshooting it too much. Again, you're gonna get those returns in high growth where it goes up 35% in a single year or we have a GFC and it kind of shoots down, and we use that as a bit of a buying opportunity, averaging out at that 12% is kind of the benchmark, and that's a bit above the 10% for high growth benchmark.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: One thing you can see too, annual returns, so the twelve months are a little bit lower because of the volatility we've had. And so, obviously, good time to jump in, but then it averages out better over three and five years. That's kind of the the modus operandi, if I can say that.\n\nChannel 1: Yeah. Yeah. It's well, it's been a funny funny couple of years anyway, hasn't it? I mean, not just the last twelve months, but beyond that, it's been it's\n\nChannel 0: Yeah.\n\nChannel 1: been\n\nChannel 0: Well,\n\nChannel 1: a\n\nChannel 0: mate,\n\nChannel 1: lot\n\nChannel 0: I've\n\nChannel 1: all\n\nChannel 0: been\n\nChannel 1: over\n\nChannel 0: doing\n\nChannel 1: the\n\nChannel 0: this\n\nChannel 1: show with\n\nChannel 0: for\n\nChannel 1: uncertainty.\n\nChannel 0: 2014, 2015. I started in the industry, and the first thing I researched was the GFC\n\nChannel 1: Yep.\n\nChannel 0: in 2009. And then every year, there's just been something weird happening, whether it's a crisis in Greece or China with the banks. We've had COVID. We've got this straight of Hormuz, all these kind of things. There's always something causing fluctuations.\n\nSo we just need to kind of get you the best quality investments through that ten ten year period at a time. And once you've built up enough, we can kind of start to wind back the risk in your fifties and start protecting what you've built.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: K. That's pretty much it for the super. Any questions for me, Brenda?\n\nChannel 1: No. No. All pretty straightforward.\n\nChannel 0: Cool. The rest of the document just goes through wills, power of attorneys, beneficiaries, and so on. We've got our advice fees. The towel still pays the 22% trailing commission to look after the insurance policy. So one quick reminder I've got for you is if something does happen to you and you need a claim on the insurances, obviously, we're probably not the first people you call, but we'd like to be the second because we can help you through the claims process, help you through some advice there as well.\n\nChannel 1: Yeah. And this this is sort of to cover anything that prevents me from making an income. Right?\n\nChannel 0: Yes. So if you're out of work for more than your waiting period, you can do an income protection claim. If you get diagnosed with something or an injury where you can never work again, that's where your lump sum total disability cover comes in, and, obviously, if you pass away life insurance.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: K. There is an authority to proceed at the bottom there, so that's through that digital signing link. Basically, the steps to implement on the twenty ninth page is we get your consent first, then we can pretty much just hop on the hub and do an investment switch order. And the only thing that we can't do for you is obviously talk to a lawyer and get that will in place.\n\nChannel 1: Yeah. Yeah. That's that's something I'll I'll chase up and and get sorted out. Yeah. Even if it's just a simple Australia post time.\n\nChannel 0: Yep. Easy done. If you do have any questions on it, like, yeah, give us a buzz. We're happy to kind of talk you through it or answer any questions that we can.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Cool. Mate, that's pretty much everything for me. There's a bunch of supporting documents, again, links to the PDFs. There's an appendix there. There's updated product documents from Hub, the investment menu that shows you there, 1,300 options and all the rest of it.\n\nAny questions for me before I let you go for your weekend?\n\nChannel 1: No. No. It's good to touch base, check-in, and yeah. No. No questions from me at all.\n\nI'll just\n\nChannel 0: Fantastic.\n\nChannel 1: sign that now.\n\nChannel 0: Thank you very much for that. I'll pencil you in for those quarterly catch ups. I'm personally going on a bit of leave in June. Got a got a daughter on the way to mix\n\nChannel 1: Oh,\n\nChannel 0: in\n\nChannel 1: congrats.\n\nChannel 0: with my two boys. Thank you.\n\nChannel 1: Yeah.\n\nChannel 0: So three of those. And I'll\n\nChannel 1: Wow.\n\nChannel 0: be\n\nChannel 1: Yeah.\n\nChannel 0: yeah. That's family building done.\n\nChannel 1: Yeah.\n\nChannel 0: But we've got what is it now? May. Yeah. I'll probably be catching\n\nChannel 1: Definitely.\n\nChannel 0: up with you in July or August to see how the portfolio is tracking. Hopefully, the world's settled down a tiny bit, and we can see a bit of growth out of that high\n\nChannel 1: Yeah.\n\nChannel 0: growth fund.\n\nChannel 1: Sounds good.\n\nChannel 0: Awesome, mate. Well, have a fantastic weekend. Any questions at all, just give us a buzz.\n\nChannel 1: Cheers, Tommy. You too, mate.\n\nChannel 0: Thanks, Brandon. Bye.\n\nChannel 1: Alright. See you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.04,"sentiment":"neutral","sentiment_score":0.053100891411304474},{"text":"This is Brandon.","start":1.04,"end":1.86,"sentiment":"neutral","sentiment_score":0.056295402348041534}],"sentiment":"neutral","sentiment_score":0.05549677461385727,"channel":1,"num_words":4,"start":0.71999997,"end":1.86},{"sentences":[{"text":"Good afternoon, Brandon.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.3717884421348572},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.84,"end":6.08,"sentiment":"neutral","sentiment_score":0.23089683481625148},{"text":"How are you doing this fine Friday?","start":6.08,"end":7.46,"sentiment":"positive","sentiment_score":0.36352447101048063}],"sentiment":"neutral","sentiment_score":0.31037143924657035,"channel":0,"num_words":17,"start":2.8,"end":7.46},{"sentences":[{"text":"Hey, Tommy.","start":7.68,"end":8.32,"sentiment":"positive","sentiment_score":0.4420875161886215},{"text":"You're doing pretty well.","start":8.32,"end":9.2,"sentiment":"positive","sentiment_score":0.6963462382555008},{"text":"Thank you.","start":9.2,"end":9.44,"sentiment":"positive","sentiment_score":0.7165198028087616},{"text":"How are you?","start":9.44,"end":10.26,"sentiment":"positive","sentiment_score":0.4719754755496979}],"sentiment":"positive","sentiment_score":0.5925932743332603,"channel":1,"num_words":11,"start":7.68,"end":10.26},{"sentences":[{"text":"I'm living the dream, mate.","start":10.88,"end":11.92,"sentiment":"positive","sentiment_score":0.6372339248657226},{"text":"Living the dream.","start":11.92,"end":12.82,"sentiment":"positive","sentiment_score":0.6479289333025614}],"sentiment":"positive","sentiment_score":0.6412445530295372,"channel":0,"num_words":8,"start":10.88,"end":12.82},{"sentences":[{"text":"Fantastic.","start":12.88,"end":13.38,"sentiment":"positive","sentiment_score":0.7801570892333984}],"sentiment":"positive","sentiment_score":0.7801570892333984,"channel":1,"num_words":1,"start":12.88,"end":13.38},{"sentences":[{"text":"I've got an updated statement of advice here for you that Kyle was putting together.","start":13.995,"end":18.495,"sentiment":"positive","sentiment_score":0.41421618858973186}],"sentiment":"positive","sentiment_score":0.41421618858973186,"channel":0,"num_words":15,"start":13.995,"end":18.495},{"sentences":[{"text":"Yep.","start":19.035,"end":19.535,"sentiment":"neutral","sentiment_score":0.13332326710224152}],"sentiment":"neutral","sentiment_score":0.13332326710224152,"channel":1,"num_words":1,"start":19.035,"end":19.535},{"sentences":[{"text":"Are you okay to run through this with me today?","start":19.195,"end":21.775,"sentiment":"neutral","sentiment_score":0.12655677050352096}],"sentiment":"neutral","sentiment_score":0.12655677050352096,"channel":0,"num_words":10,"start":19.195,"end":21.775},{"sentences":[{"text":"I definitely am.","start":22.154999,"end":23.455,"sentiment":"positive","sentiment_score":0.35688167810440063}],"sentiment":"positive","sentiment_score":0.35688167810440063,"channel":1,"num_words":3,"start":22.154999,"end":23.455},{"sentences":[{"text":"Fantastic.","start":24.075,"end":24.575,"sentiment":"positive","sentiment_score":0.4392815530300141},{"text":"Before I do so, usual quick checks.","start":24.715,"end":26.555,"sentiment":"neutral","sentiment_score":0.08486656578523773},{"text":"Are you okay for this call to be recorded?","start":26.555,"end":28.494999,"sentiment":"neutral","sentiment_score":0.03749570457471742}],"sentiment":"neutral","sentiment_score":0.08063581498230205,"channel":0,"num_words":17,"start":24.075,"end":28.494999},{"sentences":[{"text":"Yep.","start":29.195,"end":29.64,"sentiment":"neutral","sentiment_score":0.09122228622436523}],"sentiment":"neutral","sentiment_score":0.09122228622436523,"channel":1,"num_words":1,"start":29.195,"end":29.64},{"sentences":[{"text":"Amazing.","start":30.23,"end":30.71,"sentiment":"neutral","sentiment_score":0.31285667419433594},{"text":"And I am registered with ASIC as adviser one two seven three one zero five.","start":30.71,"end":35.449997,"sentiment":"neutral","sentiment_score":0.1260348801811536},{"text":"Just for the security of your information, could you please confirm your date of birth and address?","start":35.51,"end":40.09,"sentiment":"neutral","sentiment_score":0.06956284931477379}],"sentiment":"neutral","sentiment_score":0.10260449440190286,"channel":0,"num_words":33,"start":30.23,"end":40.09},{"sentences":[{"text":"Date of birth is 12/28/1994.","start":40.84,"end":44.305,"sentiment":"neutral","sentiment_score":0.009899015724658965},{"text":"Address is 21 Masters Street, Kennewick, WA 6107.","start":44.305,"end":49.684998,"sentiment":"neutral","sentiment_score":0.030254373094066978}],"sentiment":"neutral","sentiment_score":0.022425389490448512,"channel":1,"num_words":13,"start":40.84,"end":49.684998},{"sentences":[{"text":"Sensational.","start":50.245,"end":50.745,"sentiment":"neutral","sentiment_score":0.029802853241562843},{"text":"So I'm gonna pop this through to your Gmail account.","start":51.204998,"end":54.405,"sentiment":"neutral","sentiment_score":0.038993085734546185},{"text":"Is that still okay?","start":54.405,"end":55.464996,"sentiment":"neutral","sentiment_score":0.03522936999797821}],"sentiment":"neutral","sentiment_score":0.03737674603859584,"channel":0,"num_words":15,"start":50.245,"end":55.464996},{"sentences":[{"text":"Yep.","start":56.24,"end":56.56,"sentiment":"neutral","sentiment_score":0.05248303338885307},{"text":"That'll just be firstname.lastname@Gmail.com.","start":56.56,"end":59.94,"sentiment":"neutral","sentiment_score":0.05199843179434538}],"sentiment":"neutral","sentiment_score":0.052095352113246916,"channel":1,"num_words":5,"start":56.24,"end":59.94},{"sentences":[{"text":"That's the one.","start":60.120003,"end":61.02,"sentiment":"neutral","sentiment_score":0.09251744796832402},{"text":"And will you be able to kinda, like, look onto the documents with me today?","start":61.08,"end":64.78,"sentiment":"neutral","sentiment_score":0.056722887853781385}],"sentiment":"neutral","sentiment_score":0.06268864787287182,"channel":0,"num_words":18,"start":60.120003,"end":64.78},{"sentences":[{"text":"Yep.","start":64.56,"end":64.96,"sentiment":"neutral","sentiment_score":0.04657243937253952},{"text":"Yeah.","start":64.96,"end":65.28,"sentiment":"neutral","sentiment_score":0.0831182599067688},{"text":"I can just open it up now.","start":65.28,"end":66.82,"sentiment":"neutral","sentiment_score":0.12467721423932485}],"sentiment":"neutral","sentiment_score":0.11138124432828692,"channel":1,"num_words":9,"start":64.56,"end":66.82},{"sentences":[{"text":"Awesome.","start":67.0,"end":67.4,"sentiment":"positive","sentiment_score":0.3968442380428314},{"text":"So I'm gonna send this through now.","start":67.4,"end":68.955,"sentiment":"neutral","sentiment_score":0.2086156223501478},{"text":"It's coming through from our new CRM and your system.","start":69.035,"end":72.335,"sentiment":"neutral","sentiment_score":0.1378849759697914},{"text":"So it may go through to your spam box or your main box.","start":72.555,"end":75.675,"sentiment":"neutral","sentiment_score":0.07494689552829815},{"text":"It usually comes through pretty quickly, and it should be listed as a a few financial statement of advice.","start":75.675,"end":81.455,"sentiment":"neutral","sentiment_score":0.14943900782811015}],"sentiment":"neutral","sentiment_score":0.14099308289587498,"channel":0,"num_words":50,"start":67.0,"end":81.455},{"sentences":[{"text":"Yep.","start":82.065,"end":82.565,"sentiment":"neutral","sentiment_score":0.1207607313990593},{"text":"Just got it.","start":82.625,"end":83.43,"sentiment":"neutral","sentiment_score":0.18161398669083914}],"sentiment":"neutral","sentiment_score":0.16640067286789417,"channel":1,"num_words":4,"start":82.065,"end":83.43},{"sentences":[{"text":"Cool.","start":83.740005,"end":84.060005,"sentiment":"neutral","sentiment_score":0.30380672216415405},{"text":"So with these emails, we've got attachments there.","start":84.060005,"end":86.86,"sentiment":"neutral","sentiment_score":0.19687087461352348},{"text":"So the statement of advice is attached with some supporting documents for us to look onto together, and then there's a digital authorization if you're happy with the 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actually, that mortgage amount is correct, or it's $6.04 5 at the moment, but, 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that.","start":665.545,"end":672.685,"sentiment":"neutral","sentiment_score":0.0993979424238205}],"sentiment":"neutral","sentiment_score":0.0993979424238205,"channel":0,"num_words":28,"start":665.545,"end":672.685},{"sentences":[{"text":"Yeah.","start":673.14,"end":673.46,"sentiment":"neutral","sentiment_score":0.05679880827665329},{"text":"Yeah.","start":673.46,"end":673.7,"sentiment":"neutral","sentiment_score":0.04800598323345184},{"text":"I mean, at at the end of the day, this doesn't really make much of a difference on anything, does 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research.","start":695.355,"end":698.47504,"sentiment":"neutral","sentiment_score":0.059100540088755746},{"text":"Obviously, that fluctuates every day.","start":698.47504,"end":700.575,"sentiment":"neutral","sentiment_score":0.01607784442603588},{"text":"And you've got insurances coming out of there from TOW.","start":700.715,"end":704.09503,"sentiment":"neutral","sentiment_score":0.022324337251484395},{"text":"That's your life, your TPD, your income protection.","start":704.18,"end":706.6,"sentiment":"neutral","sentiment_score":0.22264229133725166}],"sentiment":"neutral","sentiment_score":0.07833610102534294,"channel":0,"num_words":40,"start":693.995,"end":706.6},{"sentences":[{"text":"If you can scroll down through, we've got your risk profile on page ten and eleven.","start":707.3,"end":711.8,"sentiment":"neutral","sentiment_score":0.08439381257630885},{"text":"It just gives you a bit of an example of what the asset allocation might look like for that risk profile, but I'll actually take you through the proper allocation down below.","start":712.1,"end":721.545,"sentiment":"neutral","sentiment_score":0.10810376249719411},{"text":"And that should be on pages like ten, eleven, and 12.","start":722.40497,"end":725.305,"sentiment":"neutral","sentiment_score":0.09523737362839958}],"sentiment":"neutral","sentiment_score":0.09927512730582286,"channel":0,"num_words":59,"start":707.3,"end":725.305},{"sentences":[{"text":"Yep.","start":728.37,"end":728.87,"sentiment":"neutral","sentiment_score":0.12466473877429962}],"sentiment":"neutral","sentiment_score":0.12466473877429962,"channel":1,"num_words":1,"start":728.37,"end":728.87},{"sentences":[{"text":"K.","start":730.005,"end":730.505,"sentiment":"neutral","sentiment_score":0.08012379705905914},{"text":"Now there's a big wordy section under strategy recommendations on page 12, which is the investment switch.","start":730.565,"end":736.13,"sentiment":"neutral","sentiment_score":0.09517616953919916},{"text":"Can you just pop down to there for me?","start":736.13,"end":738.23,"sentiment":"neutral","sentiment_score":0.07488833202256097}],"sentiment":"neutral","sentiment_score":0.08785606175661087,"channel":0,"num_words":27,"start":730.005,"end":738.23},{"sentences":[{"text":"Yeah.","start":738.63495,"end":739.035,"sentiment":"neutral","sentiment_score":0.10592329502105712},{"text":"I'm on that now.","start":739.035,"end":740.095,"sentiment":"neutral","sentiment_score":0.09938148967921734}],"sentiment":"neutral","sentiment_score":0.1006898507475853,"channel":1,"num_words":5,"start":738.63495,"end":740.095},{"sentences":[{"text":"Yep.","start":740.37,"end":740.76996,"sentiment":"neutral","sentiment_score":0.17882713675498962},{"text":"So the long and short of this is that we're switching you to a high growth portfolio, bumping your growth assets up a little bit.","start":740.76996,"end":747.97,"sentiment":"neutral","sentiment_score":0.20966120451688766},{"text":"Obviously, the pros and cons of that means more growth assets for higher long term returns.","start":747.97,"end":752.725,"sentiment":"neutral","sentiment_score":0.13306802604347467},{"text":"That's gonna increase your short term volatility.","start":752.94495,"end":755.44495,"sentiment":"neutral","sentiment_score":0.08373043207185608},{"text":"And there's a few pros and cons on the next page.","start":756.14496,"end":759.605,"sentiment":"neutral","sentiment_score":0.02089421044696461}],"sentiment":"neutral","sentiment_score":0.13942325009653966,"channel":0,"num_words":60,"start":740.37,"end":759.605},{"sentences":[{"text":"But a couple of things in particular in the middle paragraphs, We had flagged your Benelon Australian shares option as underperforming and have gotten, like, a like for like replacement of that.","start":759.82495,"end":771.42,"sentiment":"neutral","sentiment_score":-0.10885696737386752},{"text":"Still in the active style of investment, but a little bit more affordable, better performance, but not changing the 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fund or the index that we'd gone with instead of Benelon?","start":783.37,"end":789.07,"sentiment":"neutral","sentiment_score":0.07165587341619863}],"sentiment":"neutral","sentiment_score":0.07165587341619863,"channel":1,"num_words":18,"start":783.37,"end":789.07},{"sentences":[{"text":"Perfect.","start":789.675,"end":789.995,"sentiment":"positive","sentiment_score":0.45806148648262024},{"text":"I'm gonna show you that in a second.","start":789.995,"end":791.595,"sentiment":"neutral","sentiment_score":0.20913717336952686},{"text":"It's actually Alfiniti.","start":791.595,"end":793.21497,"sentiment":"neutral","sentiment_score":0.11933646351099014},{"text":"But I'll bring you down there in a 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sometimes.","start":799.17004,"end":804.55005,"sentiment":"neutral","sentiment_score":-0.025575724728405476}],"sentiment":"neutral","sentiment_score":0.007879627837489049,"channel":0,"num_words":30,"start":798.05005,"end":804.55005},{"sentences":[{"text":"Sure.","start":804.845,"end":805.165,"sentiment":"neutral","sentiment_score":0.1536029577255249},{"text":"Sure.","start":805.165,"end":805.665,"sentiment":"neutral","sentiment_score":0.18370366096496585}],"sentiment":"neutral","sentiment_score":0.16865330934524536,"channel":1,"num_words":2,"start":804.845,"end":805.665},{"sentences":[{"text":"And if you're curious too, we've included PDF links in the appendix, and these are actually easily Googleable as well.","start":805.33,"end":813.015,"sentiment":"neutral","sentiment_score":0.23594519384205342},{"text":"So if you were to look up that bed along fund on their website and and have their own surface level snapshot of fees and performance and things like that, you would see what's been 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it against your savings rates.","start":1158.29,"end":1161.41,"sentiment":"neutral","sentiment_score":0.10429521306202962},{"text":"If the, you know, if the CBA has given you four or 5% and this bond fund's done one or two for three,","start":1161.41,"end":1167.615,"sentiment":"neutral","sentiment_score":0.06205451658562473}],"sentiment":"neutral","sentiment_score":0.10713113737292587,"channel":0,"num_words":40,"start":1157.41,"end":1167.615},{"sentences":[{"text":"Yeah.","start":1167.555,"end":1168.055,"sentiment":"neutral","sentiment_score":0.08127126097679138}],"sentiment":"neutral","sentiment_score":0.08127126097679138,"channel":1,"num_words":1,"start":1167.555,"end":1168.055},{"sentences":[{"text":"five, ten, fifteen years, it's kinda like, oh, what's the point?","start":1167.615,"end":1170.355,"sentiment":"neutral","sentiment_score":0.108318069441752},{"text":"Just make sure you compare it against something 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'4.","start":1187.95,"end":1192.85,"sentiment":"neutral","sentiment_score":0.09697995334863663},{"text":"And your asset allocation pie chart on the next page, it is a little bit of a bump up.","start":1193.235,"end":1198.035,"sentiment":"neutral","sentiment_score":0.0450714905991366},{"text":"I think about five or 6% in terms of growth assets and still maintaining those alternatives there for gold.","start":1198.035,"end":1205.335,"sentiment":"neutral","sentiment_score":0.05090297229195896}],"sentiment":"neutral","sentiment_score":0.06400258699432015,"channel":0,"num_words":60,"start":1184.51,"end":1205.335},{"sentences":[{"text":"Still pretty heavy in into the international side of things because the Aussie side's been a bit 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first, then we can pretty much just hop on the hub and do an investment switch order.","start":1431.15,"end":1441.265,"sentiment":"neutral","sentiment_score":0.06423040083609521},{"text":"And the only thing that we can't do for you is obviously talk to a lawyer and get that will in place.","start":1441.645,"end":1446.865,"sentiment":"neutral","sentiment_score":-0.022666062059050255}],"sentiment":"neutral","sentiment_score":0.034169196953169174,"channel":0,"num_words":72,"start":1426.03,"end":1446.865},{"sentences":[{"text":"Yeah.","start":1447.845,"end":1448.1649,"sentiment":"neutral","sentiment_score":0.023078322410583496},{"text":"Yeah.","start":1448.1649,"end":1448.4049,"sentiment":"neutral","sentiment_score":0.024846980348229408},{"text":"That's that's something I'll I'll chase up and and get sorted out.","start":1448.4049,"end":1451.845,"sentiment":"neutral","sentiment_score":0.04656431327263514},{"text":"Yeah.","start":1451.845,"end":1452.0049,"sentiment":"neutral","sentiment_score":0.046683169901371},{"text":"Even if it's just a simple Australia post time.","start":1452.0049,"end":1454.1849,"sentiment":"neutral","sentiment_score":0.039922107838922076}],"sentiment":"neutral","sentiment_score":0.04219496677008768,"channel":1,"num_words":24,"start":1447.845,"end":1454.1849},{"sentences":[{"text":"Yep.","start":1454.38,"end":1454.88,"sentiment":"neutral","sentiment_score":0.22497591376304624},{"text":"Easy done.","start":1454.9401,"end":1455.58,"sentiment":"positive","sentiment_score":0.4112420231103897},{"text":"If you do have any questions on it, like, yeah, give us a buzz.","start":1455.58,"end":1457.74,"sentiment":"neutral","sentiment_score":0.21689985479627336},{"text":"We're happy to kind of talk you through it or answer any questions that we can.","start":1457.74,"end":1461.135,"sentiment":"positive","sentiment_score":0.34113812167197466}],"sentiment":"neutral","sentiment_score":0.28915963254191657,"channel":0,"num_words":33,"start":1454.38,"end":1461.135},{"sentences":[{"text":"Yeah.","start":1462.54,"end":1462.9401,"sentiment":"neutral","sentiment_score":0.14009124040603638},{"text":"Yeah.","start":1462.9401,"end":1463.18,"sentiment":"neutral","sentiment_score":0.20159728825092316},{"text":"Cool.","start":1463.18,"end":1463.68,"sentiment":"positive","sentiment_score":0.3887076377868652}],"sentiment":"neutral","sentiment_score":0.24346538881460825,"channel":1,"num_words":3,"start":1462.54,"end":1463.68},{"sentences":[{"text":"Cool.","start":1464.495,"end":1464.895,"sentiment":"positive","sentiment_score":0.42051705718040466},{"text":"Mate, that's pretty much everything for me.","start":1464.895,"end":1466.495,"sentiment":"positive","sentiment_score":0.43254540647779194},{"text":"There's a bunch of supporting documents, again, links to the PDFs.","start":1466.495,"end":1469.395,"sentiment":"neutral","sentiment_score":0.21493882211771878},{"text":"There's an appendix there.","start":1469.455,"end":1470.915,"sentiment":"neutral","sentiment_score":0.16440383344888687},{"text":"There's updated product documents from Hub, the investment menu that shows you there, 1,300 options and all the rest of it.","start":1471.135,"end":1478.31,"sentiment":"neutral","sentiment_score":0.24528330990246364}],"sentiment":"neutral","sentiment_score":0.2641187906265259,"channel":0,"num_words":44,"start":1464.495,"end":1478.31},{"sentences":[{"text":"Any questions for me before I let you go for your weekend?","start":1479.89,"end":1482.15,"sentiment":"neutral","sentiment_score":0.13289028281966844}],"sentiment":"neutral","sentiment_score":0.13289028281966844,"channel":0,"num_words":12,"start":1479.89,"end":1482.15},{"sentences":[{"text":"No.","start":1483.6,"end":1484.1,"sentiment":"neutral","sentiment_score":-0.10014604777097702},{"text":"No.","start":1484.16,"end":1484.5599,"sentiment":"neutral","sentiment_score":-0.10747653245925903},{"text":"It's good to touch base, check-in, and yeah.","start":1484.5599,"end":1487.76,"sentiment":"neutral","sentiment_score":0.1047183321788907},{"text":"No.","start":1487.76,"end":1487.9199,"sentiment":"neutral","sentiment_score":0.0009049735963344574},{"text":"No questions from me at all.","start":1487.9199,"end":1489.2,"sentiment":"neutral","sentiment_score":0.013360645622015}],"sentiment":"neutral","sentiment_score":0.04183487791348906,"channel":1,"num_words":17,"start":1483.6,"end":1489.2},{"sentences":[{"text":"I'll just","start":1489.2,"end":1489.76,"sentiment":"positive","sentiment_score":0.34656913578510284}],"sentiment":"positive","sentiment_score":0.34656913578510284,"channel":1,"num_words":2,"start":1489.2,"end":1489.76},{"sentences":[{"text":"Fantastic.","start":1489.745,"end":1490.245,"sentiment":"positive","sentiment_score":0.6054002642631531}],"sentiment":"positive","sentiment_score":0.6054002642631531,"channel":0,"num_words":1,"start":1489.745,"end":1490.245},{"sentences":[{"text":"sign that now.","start":1489.76,"end":1490.74,"sentiment":"positive","sentiment_score":0.471235990524292}],"sentiment":"positive","sentiment_score":0.471235990524292,"channel":1,"num_words":3,"start":1489.76,"end":1490.74},{"sentences":[{"text":"Thank you very much for that.","start":1491.1849,"end":1492.3049,"sentiment":"positive","sentiment_score":0.7126893202463785},{"text":"I'll pencil you in for those quarterly catch ups.","start":1492.3049,"end":1494.725,"sentiment":"positive","sentiment_score":0.3673393759462569},{"text":"I'm personally going on a bit of leave in June.","start":1495.2649,"end":1498.485,"sentiment":"neutral","sentiment_score":0.057297924533486366},{"text":"Got a got a daughter on the way to mix","start":1498.5449,"end":1500.97,"sentiment":"neutral","sentiment_score":0.21789421439170836}],"sentiment":"neutral","sentiment_score":0.29526033412132946,"channel":0,"num_words":35,"start":1491.1849,"end":1500.97},{"sentences":[{"text":"Oh,","start":1500.865,"end":1501.025,"sentiment":"positive","sentiment_score":0.33422529697418213}],"sentiment":"positive","sentiment_score":0.33422529697418213,"channel":1,"num_words":1,"start":1500.865,"end":1501.025},{"sentences":[{"text":"in","start":1500.97,"end":1501.0499,"sentiment":"positive","sentiment_score":0.3567805588245392}],"sentiment":"positive","sentiment_score":0.3567805588245392,"channel":0,"num_words":1,"start":1500.97,"end":1501.0499},{"sentences":[{"text":"congrats.","start":1501.025,"end":1501.525,"sentiment":"positive","sentiment_score":0.5641989707946777}],"sentiment":"positive","sentiment_score":0.5641989707946777,"channel":1,"num_words":1,"start":1501.025,"end":1501.525},{"sentences":[{"text":"with my two boys.","start":1501.0499,"end":1502.11,"sentiment":"positive","sentiment_score":0.42271967977285385},{"text":"Thank you.","start":1502.1699,"end":1502.73,"sentiment":"positive","sentiment_score":0.6877678036689758}],"sentiment":"positive","sentiment_score":0.5110690544048945,"channel":0,"num_words":6,"start":1501.0499,"end":1502.73},{"sentences":[{"text":"Yeah.","start":1502.625,"end":1503.125,"sentiment":"neutral","sentiment_score":0.2704819440841675}],"sentiment":"neutral","sentiment_score":0.2704819440841675,"channel":1,"num_words":1,"start":1502.625,"end":1503.125},{"sentences":[{"text":"So three of those.","start":1502.73,"end":1504.11,"sentiment":"neutral","sentiment_score":0.3314490094780922},{"text":"And I'll","start":1504.8899,"end":1505.45,"sentiment":"neutral","sentiment_score":0.11394077911973}],"sentiment":"neutral","sentiment_score":0.2589462660253048,"channel":0,"num_words":6,"start":1502.73,"end":1505.45},{"sentences":[{"text":"Wow.","start":1505.265,"end":1505.585,"sentiment":"neutral","sentiment_score":0.1341506838798523}],"sentiment":"neutral","sentiment_score":0.1341506838798523,"channel":1,"num_words":1,"start":1505.265,"end":1505.585},{"sentences":[{"text":"be","start":1505.45,"end":1505.5299,"sentiment":"neutral","sentiment_score":0.1045251414179802}],"sentiment":"neutral","sentiment_score":0.1045251414179802,"channel":0,"num_words":1,"start":1505.45,"end":1505.5299},{"sentences":[{"text":"Yeah.","start":1505.585,"end":1506.085,"sentiment":"neutral","sentiment_score":0.10656175762414932}],"sentiment":"neutral","sentiment_score":0.10656175762414932,"channel":1,"num_words":1,"start":1505.585,"end":1506.085},{"sentences":[{"text":"yeah.","start":1506.73,"end":1507.0499,"sentiment":"neutral","sentiment_score":0.144163578748703},{"text":"That's family building done.","start":1507.0499,"end":1508.5099,"sentiment":"positive","sentiment_score":0.33937010914087296}],"sentiment":"neutral","sentiment_score":0.300328803062439,"channel":0,"num_words":5,"start":1506.73,"end":1508.5099},{"sentences":[{"text":"Yeah.","start":1508.25,"end":1508.75,"sentiment":"neutral","sentiment_score":0.09126731753349304}],"sentiment":"neutral","sentiment_score":0.09126731753349304,"channel":1,"num_words":1,"start":1508.25,"end":1508.75},{"sentences":[{"text":"But we've got what is it now?","start":1511.37,"end":1513.61,"sentiment":"neutral","sentiment_score":0.022733273782900403},{"text":"May.","start":1513.61,"end":1514.5099,"sentiment":"neutral","sentiment_score":0.03305203840136528},{"text":"Yeah.","start":1514.6951,"end":1514.775,"sentiment":"neutral","sentiment_score":0.07595642656087875},{"text":"I'll probably be catching","start":1514.775,"end":1515.655,"sentiment":"neutral","sentiment_score":0.11756261065602303}],"sentiment":"neutral","sentiment_score":0.05679937108204915,"channel":0,"num_words":13,"start":1511.37,"end":1515.655},{"sentences":[{"text":"Definitely.","start":1515.6226,"end":1516.1226,"sentiment":"neutral","sentiment_score":0.0584784559905529}],"sentiment":"neutral","sentiment_score":0.0584784559905529,"channel":1,"num_words":1,"start":1515.6226,"end":1516.1226},{"sentences":[{"text":"up with you in July or August to see how the portfolio is tracking.","start":1515.655,"end":1519.0951,"sentiment":"neutral","sentiment_score":0.18357935867139272},{"text":"Hopefully, the world's settled down a tiny bit, and we can see a bit of growth out of that high","start":1519.0951,"end":1523.495,"sentiment":"neutral","sentiment_score":0.243707787245512}],"sentiment":"neutral","sentiment_score":0.21894902253852172,"channel":0,"num_words":34,"start":1515.655,"end":1523.495},{"sentences":[{"text":"Yeah.","start":1523.395,"end":1523.895,"sentiment":"neutral","sentiment_score":0.09923818707466124}],"sentiment":"neutral","sentiment_score":0.09923818707466124,"channel":1,"num_words":1,"start":1523.395,"end":1523.895},{"sentences":[{"text":"growth fund.","start":1523.495,"end":1524.3151,"sentiment":"neutral","sentiment_score":0.2097180187702179}],"sentiment":"neutral","sentiment_score":0.2097180187702179,"channel":0,"num_words":2,"start":1523.495,"end":1524.3151},{"sentences":[{"text":"Sounds good.","start":1525.795,"end":1526.615,"sentiment":"positive","sentiment_score":0.7474167048931122}],"sentiment":"positive","sentiment_score":0.7474167048931122,"channel":1,"num_words":2,"start":1525.795,"end":1526.615},{"sentences":[{"text":"Awesome, mate.","start":1527.127,"end":1527.6869,"sentiment":"positive","sentiment_score":0.857469916343689},{"text":"Well, have a fantastic weekend.","start":1527.6869,"end":1529.2069,"sentiment":"positive","sentiment_score":0.822288429737091},{"text":"Any questions at all, just give us a buzz.","start":1529.2069,"end":1531.3868,"sentiment":"positive","sentiment_score":0.4343428942892287}],"sentiment":"positive","sentiment_score":0.6084667518734932,"channel":0,"num_words":16,"start":1527.127,"end":1531.3868},{"sentences":[{"text":"Cheers, Tommy.","start":1531.955,"end":1532.675,"sentiment":"positive","sentiment_score":0.6664385795593262},{"text":"You too, mate.","start":1532.675,"end":1533.495,"sentiment":"positive","sentiment_score":0.5586443940798441}],"sentiment":"positive","sentiment_score":0.6017620682716369,"channel":1,"num_words":5,"start":1531.955,"end":1533.495},{"sentences":[{"text":"Thanks, Brandon.","start":1533.7668,"end":1534.5669,"sentiment":"positive","sentiment_score":0.7031722962856293},{"text":"Bye.","start":1534.5669,"end":1535.0669,"sentiment":"positive","sentiment_score":0.4904095530509949}],"sentiment":"positive","sentiment_score":0.6322513818740845,"channel":0,"num_words":3,"start":1533.7668,"end":1535.0669},{"sentences":[{"text":"Alright.","start":1534.995,"end":1535.315,"sentiment":"positive","sentiment_score":0.3465266823768616},{"text":"See you.","start":1535.315,"end":1536.055,"sentiment":"neutral","sentiment_score":0.1650463975965977}],"sentiment":"neutral","sentiment_score":0.22553982585668564,"channel":1,"num_words":3,"start":1534.995,"end":1536.055}]},"summary":{"result":"success","short":"A senior adviser from Oakview named Tommy provides a statement of advice to a customer named Brandon, including a review of his portfolio and retirement age. The speaker discusses retirement age and the possibility of investing in property before age pension, provides advice on managing finances, and provides figures for outstanding loan and offset account shares. They also discuss the benefits of investing in a high growth portfolio and the importance of updating budgets and covering ratios. The speaker provides advice on managing risk and savings rates, as well as a projection of annual returns and discusses a product development process and follow-up catchups for quarterly catchups."},"intents":{"segments":[{"text":"Just for the security of your information, could you please confirm your date of birth and address?","start_word":104,"end_word":120,"intents":[{"intent":"Confirm information","confidence_score":0.008339226}]},{"text":"So the main thing for this advice document really was a review of the super portfolio. One of the things that came up with Kyle was that you'd gone through, like, a risk profile discussion and sort of agreed to go a bit more high growth with the super at the moment, try and get some higher long term returns, especially That's correct.","start_word":504,"end_word":566,"intents":[{"intent":"Review super portfolio","confidence_score":0.04464052}]},{"text":"Now we do have an ideal retirement age of 60, so trying to retire earlier rather than waiting for the age pension at 67. Does that sound correct?","start_word":581,"end_word":608,"intents":[{"intent":"Discuss retirement age","confidence_score":0.35828167},{"intent":"Determine optimal retirement age","confidence_score":0.0026770274},{"intent":"Determine ideal retirement age","confidence_score":0.014587503}]},{"text":"We have identified just estate planning wise, we've included a few reminders there just to get a will and power of attorney in place if you haven't already done so.","start_word":820,"end_word":849,"intents":[{"intent":"Create wills and power of attorney","confidence_score":0.0064039356}]},{"text":"And then always you can always update it. Cool. Yeah.","start_word":1030,"end_word":1039,"intents":[{"intent":"Update and update system","confidence_score":0.005271359}]},{"text":"And I think there was a flag there for beneficiary nominations. I think based on our system, we've already been getting beneficiaries accepted through I can see a couple of them being accepted here for, like, superannuation insurances and so on.","start_word":1054,"end_word":1094,"intents":[{"intent":"Check and confirm acceptance of beneficiaries","confidence_score":0.030804576}]},{"text":"And I think there was a flag there for beneficiary nominations. I think based on our system, we've already been getting beneficiaries accepted through I can see a couple of them being accepted here for, like, superannuation insurances and so on. This was just based on your review discussion with Kyle. So it might be a little bit out of date, but just making sure those beneficiaries are in line with your wishes too. Yep.","start_word":1054,"end_word":1128,"intents":[{"intent":"Review status of beneficiaries","confidence_score":0.0027795231}]},{"text":"This was just based on your review discussion with Kyle. So it might be a little bit out of date, but just making sure those beneficiaries are in line with your wishes too. Yep.","start_word":1095,"end_word":1128,"intents":[{"intent":"Review and review roles","confidence_score":0.0448128}]},{"text":"So if anything pops up like that, we'll obviously capture it at each annual review and ask the same questions. But if something significant changes and you wanna call in and book up an ad hoc chat, we can do so. Even if you want me to set you up with, like, a quarterly contact point just to flag things, whatever your preference is. That might not be a bad idea. Hey.","start_word":1250,"end_word":1321,"intents":[{"intent":"Schedule ad-hoc chat","confidence_score":0.0035770584}]},{"text":"Sometimes it's just how you're going, and sometimes there's advice that we need to kind of update off the back of it. Alright.","start_word":1394,"end_word":1416,"intents":[{"intent":"Update advice","confidence_score":0.28350604}]},{"text":"Now the rest of the areas out of scope, cash flow, debt management, and Yep. investment properties seems like something that you're comfortable to kind of manage, pay down debt, do some investing, manage your budget yourself, but I think we were sending through a bit of a budget planner for you just to use as a bit of a guide and tool. Does all that sound correct as well? Yeah. Yeah.","start_word":1416,"end_word":1487,"intents":[{"intent":"Understand financial management","confidence_score":0.0015073891}]},{"text":"Yeah.","start_word":1487,"end_word":1487,"intents":[{"intent":"Review financial planning","confidence_score":0.029706791}]},{"text":"I could update them on our system if you've got them handy. Yeah. Cool.","start_word":1857,"end_word":1870,"intents":[{"intent":"Update mortgage figures","confidence_score":0.08113472}]},{"text":"So the long and short of this is that we're switching you to a high growth portfolio, bumping your growth assets up a little bit.","start_word":2180,"end_word":2204,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.016823582}]},{"text":"So if you were to look up that bed along fund on their website and and have their own surface level snapshot of fees and performance and things like that, you would see what's been going on with that fund the last couple of years.","start_word":2400,"end_word":2444,"intents":[{"intent":"Analyze fund performance","confidence_score":0.37150112}]},{"text":"And if you go down, here's your portfolio table on pages fifteen and sixteen.","start_word":2764,"end_word":2777,"intents":[{"intent":"Analyze portfolio data","confidence_score":0.004380519}]},{"text":"So I was looking at either b b h y b or I h h y, I think it was, which is a similar thing. It's a bond ETF, but I should probably do a little bit more research into the how these bond ETFs are actually done. Right? And and whether they're not whether they're actually being treated as a bond and not try to be treated Yes.","start_word":3063,"end_word":3131,"intents":[{"intent":"Assess bond etfs","confidence_score":0.0027791203}]},{"text":"And the last thing too is just compare it against your savings rates. If the, you know, if the CBA has given you four or 5% and this bond fund's done one or two for three, Yeah.","start_word":3454,"end_word":3490,"intents":[{"intent":"Compare savings rates","confidence_score":0.20584434}]},{"text":"Guaranteed return. No Yeah. risk.","start_word":3533,"end_word":3537,"intents":[{"intent":"Achieve higher return","confidence_score":0.000015230553}]},{"text":"Still pretty heavy in into the international side of things because the Aussie side's been a bit rough. Yep.","start_word":3604,"end_word":3622,"intents":[{"intent":"Discuss international market","confidence_score":0.00029130623}]},{"text":"We factored in the CGT. The bottom row, we have, like, the average five year performance going from about 10% to just shy of 12. Yep.","start_word":3675,"end_word":3700,"intents":[{"intent":"Discuss cgt","confidence_score":0.0066334754},{"intent":"Discuss impact of cgt","confidence_score":0.0010490973},{"intent":"Discuss cgt discount","confidence_score":0.0014144201}]},{"text":"The bottom row, we have, like, the average five year performance going from about 10% to just shy of 12. Yep.","start_word":3680,"end_word":3700,"intents":[{"intent":"Reflect on portfolio performance","confidence_score":0.00002016317}]},{"text":"So I think, conservatively, I would say probably anywhere between 25 and 50,000 would be the the estimate of difference over the next five to ten years.","start_word":3732,"end_word":3758,"intents":[{"intent":"Discuss estimate of difference","confidence_score":0.10500654}]},{"text":"So we just need to kind of get you the best quality investments through that ten ten year period at a time. And once you've built up enough, we can kind of start to wind back the risk in your fifties and start protecting what you've built. Yep.","start_word":3999,"end_word":4046,"intents":[{"intent":"Evaluate investment quality","confidence_score":0.20856349}]},{"text":"So one quick reminder I've got for you is if something does happen to you and you need a claim on the insurances, obviously, we're probably not the first people you call, but we'd like to be the second because we can help you through the claims process, help you through some advice there as well. Yeah.","start_word":4103,"end_word":4159,"intents":[{"intent":"Remind about claims process","confidence_score":0.06222487}]},{"text":"And this this is sort of to cover anything that prevents me from making an income. Right?","start_word":4159,"end_word":4175,"intents":[{"intent":"Discuss disability coverage","confidence_score":0.010697092}]},{"text":"There is an authority to proceed at the bottom there, so that's through that digital signing link. Basically, the steps to implement on the twenty ninth page is we get your consent first, then we can pretty much just hop on the hub and do an investment switch order. And the only thing that we can't do for you is obviously talk to a lawyer and get that will in place. Yeah.","start_word":4232,"end_word":4303,"intents":[{"intent":"Confirm consent","confidence_score":0.10131061}]},{"text":"If you do have any questions on it, like, yeah, give us a buzz. We're happy to kind of talk you through it or answer any questions that we can. Yeah.","start_word":4330,"end_word":4360,"intents":[{"intent":"Offer assistance","confidence_score":0.01893397}]},{"text":"There's a bunch of supporting documents, again, links to the PDFs. There's an appendix there. There's updated product documents from Hub, the investment menu that shows you there, 1,300 options and all the rest of it. Any questions for me before I let you go for your weekend?","start_word":4371,"end_word":4418,"intents":[{"intent":"Provide support documents","confidence_score":0.21254793},{"intent":"Provide support documents","confidence_score":0.0024390186}]},{"text":"I'll pencil you in for those quarterly catch ups.","start_word":4448,"end_word":4456,"intents":[{"intent":"Plan quarterly catch ups","confidence_score":0.018279862},{"intent":"Schedule quarterly catch ups","confidence_score":0.005584948}]}]},"sentiments":{"segments":[{"text":"Hello. This is Brandon.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.05635463446378708},{"text":"Good afternoon, Brandon.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.3805398643016815},{"text":"It's Tommy here, senior adviser from Oakview.","start_word":7,"end_word":13,"sentiment":"neutral","sentiment_score":0.2435183227062225},{"text":"How are you doing this fine Friday? Hey, Tommy. You're doing pretty well. Thank you. How are you? I'm living the dream, mate. Living the dream. Fantastic. I've got an updated statement of advice here for you that Kyle was putting together.","start_word":14,"end_word":55,"sentiment":"positive","sentiment_score":0.526839554309845},{"text":"Yep. Are you okay to run through this with me today?","start_word":56,"end_word":66,"sentiment":"neutral","sentiment_score":0.13109639286994934},{"text":"I definitely am. Fantastic.","start_word":67,"end_word":70,"sentiment":"positive","sentiment_score":0.3786282539367676},{"text":"Before I do so, usual quick checks. Are you okay for this call to be recorded? Yep. Amazing. And I am registered with ASIC as adviser one two seven three one zero five. Just for the security of your information, could you please confirm your date of birth and address? Date of birth is 12/28/1994. Address is 21 Masters Street, Kennewick, WA 6107. Sensational. So I'm gonna pop this through to your Gmail account. Is that still okay? Yep. That'll just be firstname.lastname@Gmail.com. That's the one. And will you be able to kinda, like, look onto the documents with me today? Yep. Yeah. I can just open it up now.","start_word":71,"end_word":180,"sentiment":"neutral","sentiment_score":0.06617305427789688},{"text":"Awesome.","start_word":181,"end_word":181,"sentiment":"positive","sentiment_score":0.3968442380428314},{"text":"So I'm gonna send this through now. It's coming through from our new CRM and your system. So it may go through to your spam box or your main box. It usually comes through pretty quickly, and it should be listed as a a few financial statement of advice. Yep. Just got it. Cool. So with these emails, we've got attachments there. So the statement of advice is attached with some supporting documents for us to look onto together, and then there's a digital authorization if you're happy with the plan. Yep. No worries. Do you mind So if I just put you under a headset just so I'll bring my hands up? Yeah. It'll just be No a sec. worries at all. Can you tell me? Yep. I can hear you loud and clear. Can you hear me? Yep. I've still got you.","start_word":182,"end_word":325,"sentiment":"neutral","sentiment_score":0.1092708557844162},{"text":"Perfect. Perfect.","start_word":326,"end_word":327,"sentiment":"positive","sentiment_score":0.4160231649875641},{"text":"So when you go into the attachments, one of them will be listed as the actual statement of advice, and it should have a beachfront city logo looking like the Gold Coast there. If you can open that one up for me. Yep. Just one second. No worries. Yep. I've got that one open in front of me now.","start_word":328,"end_word":386,"sentiment":"neutral","sentiment_score":0.08438852429389954},{"text":"Perfect.","start_word":387,"end_word":387,"sentiment":"positive","sentiment_score":0.680549144744873},{"text":"So what I'm gonna walk you through just to start with is my details are on the front of this document registered with ASIC just because I'm the one presenting the advice just to make sure you've got all my licensing details on the front. If you can flick through to the fourth page, the one of the key areas is the scope of advice. It should be like a blue heading there on page three and four, and it's basically what we are considering to provide advice on versus what is currently out of scope for this particular document. Sure. K? Can you see that page there? Yes. I've got that hijacked. And yeah. Cool. So the main thing for this advice document really was a review of the super portfolio. One of the things that came up with Kyle was that you'd gone through, like, a risk profile discussion and sort of agreed to go a bit more high growth with the super at the moment, try and get some higher long term returns, especially That's correct. given your time frame. Does that ring a bell? Yes. Yeah. That's correct.","start_word":388,"end_word":579,"sentiment":"neutral","sentiment_score":0.094349667429924},{"text":"Awesome.","start_word":580,"end_word":580,"sentiment":"positive","sentiment_score":0.649338960647583},{"text":"Now we do have an ideal retirement age of 60, so trying to retire earlier rather than waiting for the age pension at 67. Does that sound correct?","start_word":581,"end_word":608,"sentiment":"neutral","sentiment_score":0.2511473000049591},{"text":"That'd be great.","start_word":609,"end_word":611,"sentiment":"positive","sentiment_score":0.4555257558822632},{"text":"Even earlier, That'd be it still fantastic.","start_word":612,"end_word":618,"sentiment":"neutral","sentiment_score":0.3066864013671875},{"text":"is good.","start_word":619,"end_word":620,"sentiment":"positive","sentiment_score":0.4596862494945526},{"text":"But Amazing. It's one of the things with Supra is we can't touch it until 60. Anything Yeah. before 60, we're gonna do some investing on the side and get a bit of assets going before that. But, yep, tomorrow would be ideal. Wouldn't it? We've got actually, it's a strange question because I ask this question all the time of people, would you retire early or keep working? And I've had a fifty fifty split over the last twelve years, and half the country tells me, yep. For one, the lotto, I'd be out, and the other half is like, oh, I wouldn't know what to do with myself. I always want something to do even if it's part time. So it's an Yeah. interesting one. Yeah. I I couldn't just quit everything. I need something to keep me busy. I'd I'd like to think I'd go into some sort sort of philanthropic work or something like that, but, yeah, Yeah. hard So to say. have the freedom to not have to work, but then be Yeah. able to do what you wanna do because not for money's sake, but because you wanna do it. Yeah. Yeah. Absolutely. We have identified just estate planning wise, we've included a few reminders there just to get a will and power of attorney in place if you haven't already done so. No. And, I haven't. I need to do that. yep, that's fine. Quick little info tidbit on that. Obviously, solicitors do wills, but there's also public trustees of every state. If you ever inclined to do so, like the the courthouse around Perth does appointments for wills and power of attorneys. And the Australia Post has $25 will kits and power of attorney kits as well. Yeah. Okay. And the the advertisement do it at home Yeah. is enough sort They're of thing? through the government, essentially, and they're basically for basic situations. They can't do everything complex under the sun, but as long as you get them kind of witnessed and filled out correctly, they do count, and they're pretty good for people if it's just, you know, your your home, your savings, your car, your shoes, that type of thing. It Okay. won't give I you do. a testamentary trust that triggers upon death to look after minor children, but it'll do the basic job. It's probably a good idea just to get in place then. Hey. Yeah. And then always you can always update it.","start_word":621,"end_word":1037,"sentiment":"neutral","sentiment_score":0.08917992087349082},{"text":"Cool.","start_word":1038,"end_word":1038,"sentiment":"positive","sentiment_score":0.44063523411750793},{"text":"Yeah.","start_word":1039,"end_word":1039,"sentiment":"neutral","sentiment_score":0.2761378586292267},{"text":"I've Cool. I've made a note of that.","start_word":1040,"end_word":1047,"sentiment":"positive","sentiment_score":0.3607342839241028},{"text":"I'll I'll check that up.","start_word":1048,"end_word":1052,"sentiment":"neutral","sentiment_score":0.32683926820755005},{"text":"Fantastic. And I think there was a flag there for beneficiary nominations.","start_word":1053,"end_word":1064,"sentiment":"positive","sentiment_score":0.4038848280906677},{"text":"I think based on our system, we've already been getting beneficiaries accepted through I can see a couple of them being accepted here for, like, superannuation insurances and so on. This was just based on your review discussion with Kyle. So it might be a little bit out of date, but just making sure those beneficiaries are in line with your wishes too. Yep. Right? Outside of scope for this one on the next page, so we weren't giving any insurance advice at this point. I think there's some context in here just talking about you wanting to kind of change roles over time, you're kind of comfortable with the life TPD and income protection that you have, and then possibly the next review, if you do change roles, we might need to review the cover. Does that sound right? Yeah. Yeah. There's there's always potential for me to go into work that has an element of this built into the the salary package. Yep. So Fantastic. maybe we get to a point where after or it'd be smart to remove this from. Yeah. Absolutely. So if anything pops up like that, we'll obviously capture it at each annual review and ask the same questions. But if something significant changes and you wanna call in and book up an ad hoc chat, we can do so. Even if you want me to set you up with, like, a quarterly contact point just to flag things, whatever your preference is. That might not be a bad idea. Hey. Yeah. Just just Yep. some some minor sort of check-in five minutes in every quarter just to make sure that none of this has changed yet. Yep. Absolutely. Let me just put a quick note on the system there for the quarterly contact flag, and that'll give us a bit of an opportunity just to see how the portfolio is going, checking if there's anything else that we need to change. Sometimes it's just how you're going, and sometimes there's advice that we need to kind of update off the back of it. Alright. Now the rest of the areas out of scope, cash flow, debt management, and Yep. investment properties seems like something that you're comfortable to kind of manage, pay down debt, do some investing, manage your budget yourself, but I think we were sending through a bit of a budget planner for you just to use as a bit of a guide and tool. Does all that sound correct as well? Yeah. Yeah. And that's that's something that between myself and my partner, we review monthly anyway. So we're we're on top of all of that. You're on We top have of it.","start_word":1065,"end_word":1517,"sentiment":"neutral","sentiment_score":0.11915954681027016},{"text":"a very Yep. good idea about in in and out ins and outs Perfect. cash flow.","start_word":1518,"end_word":1533,"sentiment":"positive","sentiment_score":0.4128546714782715},{"text":"I would definitely expect that because you're an engineer. Is that correct? Yeah. Control systems engineer. So I Yep.","start_word":1534,"end_word":1552,"sentiment":"neutral","sentiment_score":0.2041519731283188},{"text":"I love numbers. I love keeping our numbers. That's why I think engineers are some of my favorite clients because you're very detail oriented no matter Yep.","start_word":1553,"end_word":1579,"sentiment":"positive","sentiment_score":0.3990632295608521},{"text":"which area of engineering it is, and these guys have their budgeting under control. They're, like, doing a whole bunch of different things. So yep. And decent coin in engineering as well. Yeah. So it's alright. It could be better, but it's it's alright for now. Absolutely. Mate, if you go through the next couple of pages, there's a limited advice warning. To say we're not giving advice for everything under the sun. And if any of the information that we've collected is inaccurate, that may impact the advice. And can you just quickly look on pages seven and eight for me? We've got an about you section and your assets and liabilities. Just wanna make sure that's still pretty accurate there for your occupation, contact details, and, you know, property offset account shares, mortgage, that kind of thing. Yeah. The the the offset account's gone up a little bit. The I think the mortgage is a little bit less than that currently as well. Yep. Couple of repayments off of there. Mortgage is up a little bit. And property value, I guess that's something that changes pretty frequently in this day and age. Yeah. We we got a a bit of a desktop evaluation done. It's just as part of our, I guess, excursion into looking at investment properties and the like, and I think we're sitting at 08:40 last time the evaluation was done.","start_word":1580,"end_word":1815,"sentiment":"neutral","sentiment_score":0.007864484547684758},{"text":"But it's just good. Yeah. It's great. It's creeping up, and there's some equity building in that, which is fantastic.","start_word":1816,"end_word":1835,"sentiment":"positive","sentiment_score":0.5580364465713501},{"text":"Okay. Yeah. That's what you want. Do you want figures for outstanding loan and offset account and things like that? Yeah. I could update them on our system if you've got them handy. Yeah. Cool. The offset's sitting at 60,000 at the moment. $60,000 offset. And actually actually, that mortgage amount is correct, or it's $6.04 5 at the moment, but, yeah, Yeah. close Yeah. enough.","start_word":1836,"end_word":1901,"sentiment":"neutral","sentiment_score":0.06556286662817001},{"text":"Perfect.","start_word":1902,"end_word":1902,"sentiment":"positive","sentiment_score":0.39304953813552856},{"text":"$6.04 5. K. Got that there. And and and I could find the the house evaluation too. I can definitely put down $8.40 if you're comfortable with that, and I'm we pretty can sure always that's what it was. yep. And Yeah. if you're comfortable, I can even just do the old Google afterwards and check what property.com is saying and put in the the high conviction site for that. Yeah. Yeah. I mean, at at the end of the day, this doesn't really make much of a difference on anything, does it? No. It's just Not until that you're closer to retirement. If you're in your fifties, it makes a big difference. In the thirties, it's more of making sure that we've got a good snapshot of your situation. yep. Yeah. Chuck that 40 down. That's that's close enough for this Yep. purpose. Done and dusted. That hub balance is just based on the day that we did the research. Obviously, that fluctuates every day. And you've got insurances coming out of there from TOW. That's your life, your TPD, your income protection. If you can scroll down through, we've got your risk profile on page ten and eleven. It just gives you a bit of an example of what the asset allocation might look like for that risk profile, but I'll actually take you through the proper allocation down below. And that should be on pages like ten, eleven, and 12. Yep. K. Now there's a big wordy section under strategy recommendations on page 12, which is the investment switch. Can you just pop down to there for me? Yeah. I'm on that now. Yep. So the long and short of this is that we're switching you to a high growth portfolio, bumping your growth assets up a little bit. Obviously, the pros and cons of that means more growth assets for higher long term returns. That's gonna increase your short term volatility. And there's a few pros and cons on the next page. But a couple of things in particular in the middle paragraphs, We had flagged your Benelon Australian shares option as underperforming and have gotten, like, a like for like replacement of that. Still in the active style of investment, but a little bit more affordable, better performance, but not changing the style of how your super is invested. Yep.","start_word":1903,"end_word":2297,"sentiment":"neutral","sentiment_score":0.081676501997664},{"text":"Cool.","start_word":2298,"end_word":2298,"sentiment":"positive","sentiment_score":0.3546738028526306},{"text":"And just K. out of curiosity, what was the the fund or the index that we'd gone with instead of Benelon?","start_word":2299,"end_word":2319,"sentiment":"neutral","sentiment_score":0.07724674791097641},{"text":"Perfect.","start_word":2320,"end_word":2320,"sentiment":"positive","sentiment_score":0.45806148648262024},{"text":"I'm gonna show you that in a second. It's actually Alfiniti. But I'll bring you down there in a moment. Sorry. Jumping the gun a bit. No. That's perfectly fine, mate. And it's one of the things where I'd love to just jump down on the document, but these, these can be a bit unwieldy sometimes. Sure. Sure. And if you're curious too, we've included PDF links in the appendix, and these are actually easily Googleable as well. So if you were to look up that bed along fund on their website and and have their own surface level snapshot of fees and performance and things like that, you would see what's been going on with that fund the last couple of years. And then when you look up this Affinity one, you can see such a stark difference between the two even just on the surface level. And then we go a little bit deeper with our research house reports as well.","start_word":2321,"end_word":2483,"sentiment":"neutral","sentiment_score":0.11090833012677408},{"text":"Cool.","start_word":2484,"end_word":2484,"sentiment":"positive","sentiment_score":0.4408347606658935},{"text":"Yeah. One of the the cons, of course, with just your portfolio in general is it's very ETF heavy, so very low investment fees going forward. But, again, anytime we do purchases, there's a tiny brokerage fee.","start_word":2485,"end_word":2521,"sentiment":"neutral","sentiment_score":0.20453768968582153},{"text":"And with Hub twenty four, it pretty well mitigates a big chunk of that through aggregated trading.","start_word":2522,"end_word":2538,"sentiment":"positive","sentiment_score":0.3448610305786133},{"text":"So if anyone's buying what you're selling or selling what you're buying, they will switch the parcels between accounts without charging brokerage.","start_word":2539,"end_word":2560,"sentiment":"neutral","sentiment_score":0.3223775327205658},{"text":"So it reduces it by anywhere between zero and a 100%.","start_word":2561,"end_word":2571,"sentiment":"positive","sentiment_score":0.417652815580368},{"text":"I just can't tell you how much on any given trade. Yeah. That's handy, hey? Sort of manages It's it actually in house. Yeah. yeah. It's like market leading. It's the only one that's currently doing it. I know MyNorth is trying to do it.","start_word":2572,"end_word":2616,"sentiment":"neutral","sentiment_score":0.15387718379497528},{"text":"Netwealth hasn't done it yet, but it's really good for ETF investors.","start_word":2617,"end_word":2628,"sentiment":"positive","sentiment_score":0.44593027234077454},{"text":"Yeah. Capital gains tax has been factored in because anytime we sell off investments under the hood, because you're in a wrap platform, we can see all the moving parts. Whereas in a traditional fund, it's all just baked into a unit price. You don't actually get to see what happens underneath. So we have factored in that $600 worth of superannuation CGT and factored that into the switch as well, and that's been mostly offset by the sale of the. Yep. K? So if you go down past there, there's some warnings there. Of course, we can't control the weather in terms of the stock market, and we can't guarantee performance, but we try our best to make sure it performs better in the same scenarios that have happened previously, short and long term. And if you go down, here's your portfolio table on pages fifteen and sixteen. Yep. K? So at the very top, your BHYB, beta shares bank hybrid, that's actually being phased out by the government. So we thought we'd kinda just get ahead of the curve and switch that out for another option. There's a little bit of a rebalance between all of your investments because some of them have shot up really high. Some of them have gone a bit lower, and we just wanna bring it back to the right asset allocation. But the switch I was talking about, the main one, the third last row on that first table is the sale of your Bennelong and your ClearBridge. Yep. And you can see that in red text. It's pretty bulky, $20 and $13. And on the next page, we have the purchase of the Alfiniti Australian share fund Yep. and the JB Morgan as well. The very bottom, iShares core composite bonds. That's the replacement for those bank hybrids that are being phased out. It's just a index bond fund. But that Alfiniti one, that's your active replacement of Benelon. Yep. Yeah. I was gonna ask, b h y b was a bank bond, wasn't Yes. And it was it? a Yep. very strange bank bonds. It was kind of trying to treat bank bonds like a share where they hold it for, like, five years and then it converts into a share and you get, like, a higher rate of return from it, and the government just kind of phase that out as an investment instrument altogether. Yeah. Because I'm looking to consolidate a little bit of my own share portfolio. I'm a little bit over represented in in gold in a gold ETF. So I was looking at either b b h y b or I h h y, I think it was, which is a similar thing. It's a bond ETF, but I should probably do a little bit more research into the how these bond ETFs are actually done. Right? And and whether they're not whether they're actually being treated as a bond and not try to be treated Yes. as a as a share. Right? So if you're Yeah. looking at I double h y, that's your your global high yield bond hedged with Australian dollars. So you've got hedged and unhedged versions.","start_word":2629,"end_word":3164,"sentiment":"neutral","sentiment_score":0.07761574097311319},{"text":"It's always nice to have a bit of a mix between the two.","start_word":3165,"end_word":3177,"sentiment":"positive","sentiment_score":0.3838707208633423},{"text":"Yep. One Yes. thing that we've been looking at too is inflation linked bonds, which there is an ETF on the market for that where if inflation picks up, the bond rate pegs to it, and they increase Yep. the rate of return with the rate of inflation. So there's definitely a few floating around. Standard bonds and fixed interest, there's so many of them out there. It might be nice to do a bit of a spread. Obviously, don't spread yourself too thin Yes. with brokerage fees buying seven ETFs, but having two or three if you have enough funds there just to get a bit of fixed interest diversification can be nice. And one other quick tip is sometimes your active side of fixed interest, like the managed funds, tend to handle those low low interest rate environments really well. Like, when we were going into negative in The US and in Europe, they were switching the type of investments into corporate bonds to avoid the negative ones. But with interest rates the way they are, the standard index ones are pretty good too. Yeah. Yeah. Cool. Yeah. So I'm I'm just looking at getting another sort of income type investment. That's it. I've Yep. got quite a large holding in Vanguard High Yield, which is a pretty good dividend paying one, but they're Yeah. just Yep. looking to diversify out of that into another yeah. Yeah. Generating generating assets. But yeah. Cool. No.","start_word":3178,"end_word":3423,"sentiment":"neutral","sentiment_score":0.17793759007037172},{"text":"This is Awesome.","start_word":3424,"end_word":3426,"sentiment":"positive","sentiment_score":0.4743857681751251},{"text":"just some some half research that I've done and haven't given enough time for it, but it's just interesting that it came up.","start_word":3427,"end_word":3449,"sentiment":"neutral","sentiment_score":0.13352656364440918},{"text":"Oh, easy done, mate.","start_word":3450,"end_word":3453,"sentiment":"positive","sentiment_score":0.3670516312122345},{"text":"And the last thing too is just compare it against your savings rates. If the, you know, if the CBA has given you four or 5% and this bond fund's done one or two for three, Yeah. five, ten, fifteen years, it's kinda like, oh, what's the point? Just make sure you compare it against something stable. Yeah. Well, the the mortgage offset is gonna pay five and a half percent, so that's that's always a good metric. Yeah. Guaranteed return. No Yeah. risk. Exactly.","start_word":3454,"end_word":3538,"sentiment":"neutral","sentiment_score":0.13063262403011322},{"text":"Great metric. Great metric.","start_word":3539,"end_word":3542,"sentiment":"positive","sentiment_score":0.4780975580215454},{"text":"Yeah. Alright. Last thing there, we've got the cash mixed in. Obviously, that gets rebalanced at the standard 1.25% for Hub twenty '4. And your asset allocation pie chart on the next page, it is a little bit of a bump up. I think about five or 6% in terms of growth assets and still maintaining those alternatives there for gold. Still pretty heavy in into the international side of things because the Aussie side's been a bit rough. Yep. Alright. Comparison below that. We've tried to go as conservative as possible on page eighteen and nineteen. You should see a fee comparison sort of blue table there with current recommended indifference. Yep. K. So just by switching out that investment option, investment fees go down by a couple $100 a year. We factored in the CGT. The bottom row, we have, like, the average five year performance going from about 10% to just shy of 12. Yep. And then if you go to the next page, there's a bit of a five and ten year projection there. Just a bit of an estimate for you. Yep. Yeah. Cool. So I think, conservatively, I would say probably anywhere between 25 and 50,000 would be the the estimate of difference over the next five to ten years.","start_word":3543,"end_word":3758,"sentiment":"neutral","sentiment_score":0.06473612040281296},{"text":"That would be pretty I don't think that's too out of the ordinary or overshooting it too much.","start_word":3759,"end_word":3776,"sentiment":"negative","sentiment_score":-0.3338089883327484},{"text":"Again, you're gonna get those returns in high growth where it goes up 35% in a single year or we have a GFC and it kind of shoots down, and we use that as a bit of a buying opportunity, averaging out at that 12% is kind of the benchmark, and that's a bit above the 10% for high growth benchmark. Yep. Yeah. One thing you can see too, annual returns, so the twelve months are a little bit lower because of the volatility we've had. And so, obviously, good time to jump in, but then it averages out better over three and five years. That's kind of the the modus operandi, if I can say that. Yeah. Yeah. It's well, it's been a funny funny couple of years anyway, hasn't it? I mean, not just the last twelve months, but beyond that, it's been it's Yeah. been Well, a mate, lot I've all been over doing the this show with for uncertainty. 2014, 2015. I started in the industry, and the first thing I researched was the GFC Yep. in 2009. And then every year, there's just been something weird happening, whether it's a crisis in Greece or China with the banks. We've had COVID. We've got this straight of Hormuz, all these kind of things. There's always something causing fluctuations. So we just need to kind of get you the best quality investments through that ten ten year period at a time. And once you've built up enough, we can kind of start to wind back the risk in your fifties and start protecting what you've built. Yep. Yeah. K. That's pretty much it for the super. Any questions for me, Brenda? No. No. All pretty straightforward. Cool. The rest of the document just goes through wills, power of attorneys, beneficiaries, and so on. We've got our advice fees. The towel still pays the 22% trailing commission to look after the insurance policy. So one quick reminder I've got for you is if something does happen to you and you need a claim on the insurances, obviously, we're probably not the first people you call, but we'd like to be the second because we can help you through the claims process, help you through some advice there as well. Yeah. And this this is sort of to cover anything that prevents me from making an income. Right? Yes. So if you're out of work for more than your waiting period, you can do an income protection claim. If you get diagnosed with something or an injury where you can never work again, that's where your lump sum total disability cover comes in, and, obviously, if you pass away life insurance. Yep. Yeah. K. There is an authority to proceed at the bottom there, so that's through that digital signing link. Basically, the steps to implement on the twenty ninth page is we get your consent first, then we can pretty much just hop on the hub and do an investment switch order. And the only thing that we can't do for you is obviously talk to a lawyer and get that will in place. Yeah. Yeah. That's that's something I'll I'll chase up and and get sorted out. Yeah. Even if it's just a simple Australia post time. Yep.","start_word":3777,"end_word":4327,"sentiment":"neutral","sentiment_score":0.08048689760227169},{"text":"Easy done.","start_word":4328,"end_word":4329,"sentiment":"positive","sentiment_score":0.3927040100097656},{"text":"If you do have any questions on it, like, yeah, give us a buzz.","start_word":4330,"end_word":4343,"sentiment":"neutral","sentiment_score":0.2107994258403778},{"text":"We're happy to kind of talk you through it or answer any questions that we can.","start_word":4344,"end_word":4359,"sentiment":"positive","sentiment_score":0.3427150249481201},{"text":"Yeah. Yeah.","start_word":4360,"end_word":4361,"sentiment":"neutral","sentiment_score":0.17084425687789917},{"text":"Cool. Cool. Mate, that's pretty much everything for me.","start_word":4362,"end_word":4370,"sentiment":"positive","sentiment_score":0.42361241579055786},{"text":"There's a bunch of supporting documents, again, links to the PDFs. There's an appendix there. There's updated product documents from Hub, the investment menu that shows you there, 1,300 options and all the rest of it. Any questions for me before I let you go for your weekend? No. No. It's good to touch base, check-in, and yeah. No. No questions from me at all.","start_word":4371,"end_word":4435,"sentiment":"neutral","sentiment_score":0.15892331302165985},{"text":"I'll just Fantastic. sign that now. Thank you very much for that. I'll pencil you in for those quarterly catch ups.","start_word":4436,"end_word":4456,"sentiment":"positive","sentiment_score":0.4857296645641327},{"text":"I'm personally going on a bit of leave in June. Got a got a daughter on the way to mix Oh, in congrats.","start_word":4457,"end_word":4479,"sentiment":"neutral","sentiment_score":0.20624543726444244},{"text":"with my two boys. Thank you.","start_word":4480,"end_word":4485,"sentiment":"positive","sentiment_score":0.5109066367149353},{"text":"Yeah. So three of those. And I'll Wow. be Yeah. yeah. That's family building done. Yeah. But we've got what is it now? May. Yeah. I'll probably be catching Definitely. up with you in July or August to see how the portfolio is tracking. Hopefully, the world's settled down a tiny bit, and we can see a bit of growth out of that high Yeah. growth fund.","start_word":4486,"end_word":4552,"sentiment":"neutral","sentiment_score":0.17523302137851715},{"text":"Sounds good. Awesome, mate. Well, have a fantastic weekend. Any questions at all, just give us a buzz. Cheers, Tommy. You too, mate. Thanks, Brandon. Bye. Alright. See you.","start_word":4553,"end_word":4581,"sentiment":"positive","sentiment_score":0.6142973899841309}],"average":{"sentiment":"neutral","sentiment_score":0.12266985565447194}}}}