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Great to hear. Mate, I was just giving you a call to go through that updated advice discussion since your review with Kyle. I've made a few changes that I wanted to discuss with you and to sort of work out a bit of a plan going forward. And I've just shot you off an email with a couple of performance reports. Would you be able to have a look at them with me today? That's totally fine. That's totally fine. I really appreciate it. While you're doing that, are you okay for me to just go through that security check with you? While you're organizing that, do you mind if I go through a quick security check with you? Cool. So are you okay for this call to be recorded? Yep. And just for the security of your account, so I'm registered with Asica's adviser 1273105. Are you okay to confirm your date of birth and address, please? Amazing. That was super quick. Thank you so much for that, Craig. Really appreciate it. Alright. Now can you hear me okay? Oh, fantastic. I've got got you loud and clear. No worries. Thank you so much. No worries. Now because it is the first time I've emailed you, it may go to your main inbox or your spam box. So just let me know if you can see that there. Okay? Amazing. Amazing. Amazing. I've got some updated advice that Carl was putting together for you as well. So after I talk about these two reports, I just wanted to quickly touch base on the other areas that he was discussing with you, if that's alright? Fantastic. So one of the main things that was sort of happening since your discussion, there was a bit of a weaker performance with your NetWell super. So you were doing a bit of a portfolio review to fix up a few of the investments. Does that ring a bell? Yeah. And it was a one investment option in particular, which was Benelong Australian shares, which had significantly underperformed, I guess, the peer group and the Australian market as well. So not only did Australian equities not do too well, but this particular option kind of undershot everybody else in that space. Yeah. Correct. Because one of the things when it comes to waiting is not having too much in any one asset class or any one sector. Because if you've got a huge amount of your money in one sector, then that's just gonna cause issues if that underperforms. It'll drag your whole portfolio down. So even if you got eight options and one of them is overweight, it'll drag everything else down. Now what I've got here in the two performance reports, so we actually did make a recent change to your investments. Because of that issue that was identified with Benelon, we had a discussion with our investment committee, and they decided rather than waiting for the usual process of the advisers updating advice one option at a time, we actually did a sweeping change across everyone invested in Benelon within Netwealth. So I've actually sent you two reports. One's from March, one's from April. Correct. So what basically the the difference between the two is the Benelong is more of like a actively managed funds, bit more higher fees to try and outperform the market. The beta shares was just a very simple switch to reduce fees and improve performance while waiting for any pending advice that may be occurring. Now in terms of the differences in what's yes. So lower risk, it's a bit more follows the market closely. It's not trying to do anything fancy. Now what's kind of happened is from that March period where your portfolio was down about three and a half percent for the year, it's actually had a bit of a 6% swing back into the positive, and now you're back into positive about three and a half, 4% just in the last month. So as far as I can see across that portfolio, one of the strange things that's kind of happened is your portfolio has also almost rebalanced itself. Because that option had gone down and all the other options had gone up, you're now actually in a pretty comfortable waiting between Australian shares, international shares, gold, and all those different sectors. So what I wanted to kind of go through with you today was just making sure that, a, are you sort of comfortable with how this is currently looking compared to when you last spoke with us? Is it are you feeling it's on a bit of an upward trajectory? Do these figures look okay to you? Yeah. Especially being in high growth and and things like that, definitely, that's the the aim of the game. Every seven years, you get the market goes up, something causes it to crash. But in this particular case, it was really just about removing a bad apple and replacing that like for like. 100%. And what we would normally do is upon those reviews, if everything's going well, we may adjust strategy more so than product. If product isn't doing well, then we would look to do replacements and update your advice document. So you've got that in writing about what we're doing moving forward. This was bit of a, again, licensee decision to jump on it quickly. No worries. No worries, Craig. Look, I appreciate you mixing me in on your busy day, mate. Thank you so much for that. Oh, did we mess up the daylight savings? Perfect. No worries. No worries. Appreciate that. Awesome. Awesome. So when I'm looking at the the portfolio side of things, if that's all looking pretty good now, I'm pretty much going to send you through an updated advice document just with, I guess, the plan in writing moving forward just so you've got a record of it. Now I just need to briefly confirm your like, the scope of that advice just to make sure that's all still okay because there was a few little things that we were doing in addition to that. So outside of checking the Netwealth super, we were actually investigating possibly switching super funds, but we only really found one other fund that was just a tiny bit more affordable than the Netwealth with the same investment options. Are you sort of comfortable to kind of keep running with Netwealth as long as it's, you know, affordable, got the right options? Do you want me to investigate that? That was a bit of a Kyle double checking there wasn't something amazing for you. We always kind of do a bit of a background research just in case. Yep. Perfect. With the scoping, so besides reviewing the portfolio, he did make a couple of notes about the estate planning side of things just as a reminder to try and get the the will and power of attorney sorted. And I believe we were trying to organize some beneficiary nominations as well to have your spouse double checked on both the super and the life insurance. Does that ring a bell? Yep. So I'm still gonna organize that. And the only other thing that was in there was just to hold on to the insurances that you had with Nios. There was some information that it looked pretty comfortable, so we were just gonna kind of keep that in place and factor in the premiums into the projections. Awesome. Perfect. Perfect. Perfect. Alright. And the only other things that we had noted, which was a bit more sort of personal goals that you were managing, was, like, the cash flow and budgeting side. We have noted here that you were gonna use $25,000 to do some renovations, which is, I'm assuming, what you're doing, and just sort of building up some funds for your children. We've got a goal noted here to make sure your budgeting's viable for your children's future. Once you've renovated the house and paid down the debt, you might look into doing some personal investments to grow some wealth outside of super. Does that sound about right? Alright. Okay. Great. Great. Great. Great. So besides the super insurance and estate planning, you're on top of the budgeting and paying down the debt and then jumping into some properties after that. Was there anything else that you needed to discuss strategy wise or different areas of advice? If you ever want any sort of general tips, man, I'm happy to have a chat with you. Don't know what your sort of structure is there, but if you ever feel like you might need a bit of an ear to listen to or someone to kind of run through things on paper with you, I'm more than happy to do so. Oh, that that'd help. Absolutely. Alright. That's the way. Positive cash flow is always good. And you haven't had any significant changes in assets, liabilities, or your occupation the last sort of month or two? Perfect. I think we've got a residential property. You've got a few different offset accounts where you're splitting your cash flow between. Had about $30 in redraw on the mortgage, which was about 413,000, and you're still a project engineer earning about $1.85. Alright. And married with two dependents. Mate, I've got my third on the way in June. Got two sons and a daughter on the way. That's the family capped out, but I'm kind of limping to the finish line. I'll tell you that. That's the reasonable approach. I'm just the sucker for pain, I hope. Alrighty. So what I'm gonna do now, Craig, I'm gonna basically update this document that's in front of me before I send it off to you. Should have it to you early next week so you've got it in writing there. Was there anything else I could help you with before I let you go for the weekend? Winning lottery numbers. I'll send that through to the team, and hopefully, we'll get that emailed to you as well. Alright, mate. Anything else I can help with? Did you want any change in the frequency of contact? Any more? Yep. Perfect. Alrighty. Well, mate, I really appreciate you taking the time today in and amongst your day. I hope you have a fantastic weekend. That'll come out to you next week. Any questions at all, just text, call, email. You know the drill. Thanks, Craig. 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morning, Craig. It's Tommy here, senior adviser from. How are you going today? I'm doing absolutely fantastic. It's a beautiful cool end to the week.\n\nWhat about your end? Great to hear. Great to hear. Mate, I was just giving you a call to go through that updated advice discussion since your review with Kyle. I've made a few changes that I wanted to discuss with you and to sort of work out a bit of a plan going forward.\n\nAnd I've just shot you off an email with a couple of performance reports. Would you be able to have a look at them with me today? That's totally fine. That's totally fine. I really appreciate it.\n\nWhile you're doing that, are you okay for me to just go through that security check with you? While you're organizing that, do you mind if I go through a quick security check with you? Cool. So are you okay for this call to be recorded? Yep.\n\nAnd just for the security of your account, so I'm registered with Asica's adviser 1273105. Are you okay to confirm your date of birth and address, please? Amazing. That was super quick. Thank you so much for that, Craig.\n\nReally appreciate it. Alright. Now can you hear me okay? Oh, fantastic. I've got got you loud and clear.\n\nNo worries. Thank you so much. No worries. Now because it is the first time I've emailed you, it may go to your main inbox or your spam box. So just let me know if you can see that there.\n\nOkay? Amazing. Amazing. Amazing. I've got some updated advice that Carl was putting together for you as well.\n\nSo after I talk about these two reports, I just wanted to quickly touch base on the other areas that he was discussing with you, if that's alright? Fantastic. So one of the main things that was sort of happening since your discussion, there was a bit of a weaker performance with your NetWell super. So you were doing a bit of a portfolio review to fix up a few of the investments. Does that ring a bell?\n\nYeah. And it was a one investment option in particular, which was Benelong Australian shares, which had significantly underperformed, I guess, the peer group and the Australian market as well. So not only did Australian equities not do too well, but this particular option kind of undershot everybody else in that space. Yeah. Correct.\n\nBecause one of the things when it comes to waiting is not having too much in any one asset class or any one sector. Because if you've got a huge amount of your money in one sector, then that's just gonna cause issues if that underperforms. It'll drag your whole portfolio down. So even if you got eight options and one of them is overweight, it'll drag everything else down. Now what I've got here in the two performance reports, so we actually did make a recent change to your investments.\n\nBecause of that issue that was identified with Benelon, we had a discussion with our investment committee, and they decided rather than waiting for the usual process of the advisers updating advice one option at a time, we actually did a sweeping change across everyone invested in Benelon within Netwealth. So I've actually sent you two reports. One's from March, one's from April. Correct. So what basically the the difference between the two is the Benelong is more of like a actively managed funds, bit more higher fees to try and outperform the market.\n\nThe beta shares was just a very simple switch to reduce fees and improve performance while waiting for any pending advice that may be occurring. Now in terms of the differences in what's yes. So lower risk, it's a bit more follows the market closely. It's not trying to do anything fancy. Now what's kind of happened is from that March period where your portfolio was down about three and a half percent for the year, it's actually had a bit of a 6% swing back into the positive, and now you're back into positive about three and a half, 4% just in the last month.\n\nSo as far as I can see across that portfolio, one of the strange things that's kind of happened is your portfolio has also almost rebalanced itself. Because that option had gone down and all the other options had gone up, you're now actually in a pretty comfortable waiting between Australian shares, international shares, gold, and all those different sectors. So what I wanted to kind of go through with you today was just making sure that, a, are you sort of comfortable with how this is currently looking compared to when you last spoke with us? Is it are you feeling it's on a bit of an upward trajectory? Do these figures look okay to you?\n\nYeah. Especially being in high growth and and things like that, definitely, that's the the aim of the game. Every seven years, you get the market goes up, something causes it to crash. But in this particular case, it was really just about removing a bad apple and replacing that like for like. 100%.\n\nAnd what we would normally do is upon those reviews, if everything's going well, we may adjust strategy more so than product. If product isn't doing well, then we would look to do replacements and update your advice document. So you've got that in writing about what we're doing moving forward. This was bit of a, again, licensee decision to jump on it quickly. No worries.\n\nNo worries, Craig. Look, I appreciate you mixing me in on your busy day, mate. Thank you so much for that. Oh, did we mess up the daylight savings? Perfect.\n\nNo worries. No worries. Appreciate that. Awesome. Awesome.\n\nSo when I'm looking at the the portfolio side of things, if that's all looking pretty good now, I'm pretty much going to send you through an updated advice document just with, I guess, the plan in writing moving forward just so you've got a record of it. Now I just need to briefly confirm your like, the scope of that advice just to make sure that's all still okay because there was a few little things that we were doing in addition to that. So outside of checking the Netwealth super, we were actually investigating possibly switching super funds, but we only really found one other fund that was just a tiny bit more affordable than the Netwealth with the same investment options. Are you sort of comfortable to kind of keep running with Netwealth as long as it's, you know, affordable, got the right options? Do you want me to investigate that?\n\nThat was a bit of a Kyle double checking there wasn't something amazing for you. We always kind of do a bit of a background research just in case. Yep. Perfect. With the scoping, so besides reviewing the portfolio, he did make a couple of notes about the estate planning side of things just as a reminder to try and get the the will and power of attorney sorted.\n\nAnd I believe we were trying to organize some beneficiary nominations as well to have your spouse double checked on both the super and the life insurance. Does that ring a bell? Yep. So I'm still gonna organize that. And the only other thing that was in there was just to hold on to the insurances that you had with Nios.\n\nThere was some information that it looked pretty comfortable, so we were just gonna kind of keep that in place and factor in the premiums into the projections. Awesome. Perfect. Perfect. Perfect.\n\nAlright. And the only other things that we had noted, which was a bit more sort of personal goals that you were managing, was, like, the cash flow and budgeting side. We have noted here that you were gonna use $25,000 to do some renovations, which is, I'm assuming, what you're doing, and just sort of building up some funds for your children. We've got a goal noted here to make sure your budgeting's viable for your children's future. Once you've renovated the house and paid down the debt, you might look into doing some personal investments to grow some wealth outside of super.\n\nDoes that sound about right? Alright. Okay. Great. Great.\n\nGreat. Great. So besides the super insurance and estate planning, you're on top of the budgeting and paying down the debt and then jumping into some properties after that. Was there anything else that you needed to discuss strategy wise or different areas of advice? If you ever want any sort of general tips, man, I'm happy to have a chat with you.\n\nDon't know what your sort of structure is there, but if you ever feel like you might need a bit of an ear to listen to or someone to kind of run through things on paper with you, I'm more than happy to do so. Oh, that that'd help. Absolutely. Alright. That's the way.\n\nPositive cash flow is always good. And you haven't had any significant changes in assets, liabilities, or your occupation the last sort of month or two? Perfect. I think we've got a residential property. You've got a few different offset accounts where you're splitting your cash flow between.\n\nHad about $30 in redraw on the mortgage, which was about 413,000, and you're still a project engineer earning about $1.85. Alright. And married with two dependents. Mate, I've got my third on the way in June. Got two sons and a daughter on the way.\n\nThat's the family capped out, but I'm kind of limping to the finish line. I'll tell you that. That's the reasonable approach. I'm just the sucker for pain, I hope. Alrighty.\n\nSo what I'm gonna do now, Craig, I'm gonna basically update this document that's in front of me before I send it off to you. Should have it to you early next week so you've got it in writing there. Was there anything else I could help you with before I let you go for the weekend? Winning lottery numbers. I'll send that through to the team, and hopefully, we'll get that emailed to you as well.\n\nAlright, mate. Anything else I can help with? Did you want any change in the frequency of contact? Any more? Yep.\n\nPerfect. Alrighty. Well, mate, I really appreciate you taking the time today in and amongst your day. I hope you have a fantastic weekend. That'll come out to you next week.\n\nAny questions at all, just text, call, email. You know the drill. Thanks, Craig. See you later.","paragraphs":[{"sentences":[{"text":"Good morning, Craig.","start":4.4,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2352913816769918},{"text":"It's Tommy here, senior adviser from.","start":5.2799997,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.1755141317844391},{"text":"How are you going today?","start":7.2799997,"end":8.34,"sentiment":"neutral","sentiment_score":0.19310871064662932},{"text":"I'm doing absolutely fantastic.","start":9.92,"end":11.78,"sentiment":"positive","sentiment_score":0.771708220243454},{"text":"It's a beautiful cool end to the week.","start":11.92,"end":14.0,"sentiment":"positive","sentiment_score":0.7590907067060471}],"sentiment":"positive","sentiment_score":0.45707927013819033,"num_words":26,"start":4.4,"end":14.0},{"sentences":[{"text":"What about your end?","start":14.0,"end":15.075,"sentiment":"neutral","sentiment_score":0.14435682445764542},{"text":"Great to hear.","start":17.395,"end":18.035,"sentiment":"positive","sentiment_score":0.5045614242553711},{"text":"Great to hear.","start":18.035,"end":18.755,"sentiment":"positive","sentiment_score":0.4950801332791646},{"text":"Mate, I was just giving you a call to go through that updated advice discussion since your review with Kyle.","start":18.755,"end":25.015,"sentiment":"neutral","sentiment_score":0.15301914662122726},{"text":"I've made a few changes that I wanted to discuss with you and to sort of work out a bit of a plan going forward.","start":26.275,"end":32.17,"sentiment":"neutral","sentiment_score":0.18879366278648377}],"sentiment":"neutral","sentiment_score":0.2064832085912878,"num_words":55,"start":14.0,"end":32.17},{"sentences":[{"text":"And I've just shot you off an email with a couple of performance reports.","start":32.55,"end":36.73,"sentiment":"neutral","sentiment_score":0.11147399406347956},{"text":"Would you be able to have a look at them with me today?","start":36.87,"end":39.05,"sentiment":"neutral","sentiment_score":0.08093470736191823},{"text":"That's totally fine.","start":45.524998,"end":46.745,"sentiment":"neutral","sentiment_score":-0.0003761307646830871},{"text":"That's totally fine.","start":54.579998,"end":55.78,"sentiment":"neutral","sentiment_score":0.23740614453951517},{"text":"I really appreciate it.","start":55.78,"end":57.16,"sentiment":"positive","sentiment_score":0.4741349071264267}],"sentiment":"neutral","sentiment_score":0.14109234547091498,"num_words":37,"start":32.55,"end":57.16},{"sentences":[{"text":"While you're doing that, are you okay for me to just go through that security check with you?","start":58.1,"end":62.039997,"sentiment":"neutral","sentiment_score":-0.017296599741611216},{"text":"While you're organizing that, do you mind if I go through a quick security check with you?","start":64.9,"end":69.915,"sentiment":"neutral","sentiment_score":-0.01465533219058724},{"text":"Cool.","start":71.595,"end":71.835,"sentiment":"neutral","sentiment_score":0.05022148787975311},{"text":"So are you okay for this call to be recorded?","start":71.835,"end":73.935,"sentiment":"neutral","sentiment_score":0.01625297497957945},{"text":"Yep.","start":76.875,"end":77.275,"sentiment":"neutral","sentiment_score":0.046403251588344574}],"sentiment":"neutral","sentiment_score":-0.006411169219682825,"num_words":47,"start":58.1,"end":77.275},{"sentences":[{"text":"And just for the security of your account, so I'm registered with Asica's adviser 1273105.","start":77.275,"end":83.375,"sentiment":"neutral","sentiment_score":0.04263882202406724},{"text":"Are you okay to confirm your date of birth and address, please?","start":83.43,"end":86.41,"sentiment":"neutral","sentiment_score":0.028286283370107412},{"text":"Amazing.","start":93.19,"end":93.67,"sentiment":"positive","sentiment_score":0.42065465450286865},{"text":"That was super quick.","start":93.67,"end":94.71,"sentiment":"positive","sentiment_score":0.5294676050543785},{"text":"Thank you so much for that, Craig.","start":94.71,"end":95.99,"sentiment":"positive","sentiment_score":0.6133571948323931}],"sentiment":"neutral","sentiment_score":0.20028315818844697,"num_words":39,"start":77.275,"end":95.99},{"sentences":[{"text":"Really appreciate it.","start":95.99,"end":97.035,"sentiment":"positive","sentiment_score":0.5152972340583801},{"text":"Alright.","start":100.715004,"end":101.115005,"sentiment":"neutral","sentiment_score":0.07542504370212555},{"text":"Now can you hear me okay?","start":101.115005,"end":102.33501,"sentiment":"neutral","sentiment_score":0.026231413707137108},{"text":"Oh, fantastic.","start":106.315,"end":107.135,"sentiment":"neutral","sentiment_score":0.29600857198238373},{"text":"I've got got you loud and clear.","start":107.435005,"end":109.455,"sentiment":"neutral","sentiment_score":0.2570987875972475}],"sentiment":"neutral","sentiment_score":0.2194954676455573,"num_words":19,"start":95.99,"end":109.455},{"sentences":[{"text":"No worries.","start":114.78,"end":115.34,"sentiment":"neutral","sentiment_score":0.13702759519219398},{"text":"Thank you so much.","start":115.34,"end":116.16,"sentiment":"positive","sentiment_score":0.5377823561429977},{"text":"No worries.","start":137.45,"end":138.01,"sentiment":"neutral","sentiment_score":0.02448313171043992},{"text":"Now because it is the first time I've emailed you, it may go to your main inbox or your spam box.","start":138.01,"end":142.97,"sentiment":"neutral","sentiment_score":-0.016788234329959822},{"text":"So just let me know if you can see that there.","start":142.97,"end":145.05,"sentiment":"neutral","sentiment_score":-0.02468230575323105}],"sentiment":"neutral","sentiment_score":0.046252314854064024,"num_words":40,"start":114.78,"end":145.05},{"sentences":[{"text":"Okay?","start":145.05,"end":145.545,"sentiment":"neutral","sentiment_score":0.04087960347533226},{"text":"Amazing.","start":146.105,"end":146.605,"sentiment":"positive","sentiment_score":0.4959584176540375},{"text":"Amazing.","start":146.985,"end":147.385,"sentiment":"positive","sentiment_score":0.5689806342124939},{"text":"Amazing.","start":147.385,"end":147.885,"sentiment":"positive","sentiment_score":0.5856430530548096},{"text":"I've got some updated advice that Carl was putting together for you as well.","start":148.985,"end":153.465,"sentiment":"positive","sentiment_score":0.37948765073503765}],"sentiment":"positive","sentiment_score":0.38912715659373337,"num_words":18,"start":145.05,"end":153.465},{"sentences":[{"text":"So after I talk about these two reports, I just wanted to quickly touch base on the other areas that he was discussing with you, if that's alright?","start":153.465,"end":161.04,"sentiment":"neutral","sentiment_score":0.09698100840406758},{"text":"Fantastic.","start":162.48,"end":162.98,"sentiment":"neutral","sentiment_score":0.31601232290267944},{"text":"So one of the main things that was sort of happening since your discussion, there was a bit of a weaker performance with your NetWell super.","start":163.36,"end":170.48,"sentiment":"neutral","sentiment_score":-0.15454483777284622},{"text":"So you were doing a bit of a portfolio review to fix up a few of the investments.","start":170.48,"end":175.12,"sentiment":"neutral","sentiment_score":-0.12136636094914542},{"text":"Does that ring a bell?","start":175.12,"end":176.145,"sentiment":"neutral","sentiment_score":-0.03829989656805992}],"sentiment":"neutral","sentiment_score":-0.04311255389490189,"num_words":78,"start":153.465,"end":176.145},{"sentences":[{"text":"Yeah.","start":187.825,"end":188.145,"sentiment":"neutral","sentiment_score":-0.12063553929328918},{"text":"And it was a one investment option in particular, which was Benelong Australian shares, which had significantly underperformed, I guess, the peer group and the Australian market as well.","start":188.145,"end":199.77,"sentiment":"neutral","sentiment_score":-0.17475857123218733},{"text":"So not only did Australian equities not do too well, but this particular option kind of undershot everybody else in that space.","start":199.83,"end":207.165,"sentiment":"neutral","sentiment_score":-0.27067906680432235},{"text":"Yeah.","start":220.06,"end":220.29999,"sentiment":"neutral","sentiment_score":-0.01860650815069675},{"text":"Correct.","start":220.29999,"end":220.78,"sentiment":"neutral","sentiment_score":-0.04302976280450821}],"sentiment":"neutral","sentiment_score":-0.20750388603105588,"num_words":54,"start":187.825,"end":220.78},{"sentences":[{"text":"Because one of the things when it comes to waiting is not having too much in any one asset class or any one sector.","start":220.78,"end":228.95999,"sentiment":"neutral","sentiment_score":-0.16358266149957976},{"text":"Because if you've got a huge amount of your money in one sector, then that's just gonna cause issues if that underperforms.","start":229.18,"end":234.64499,"sentiment":"neutral","sentiment_score":-0.30072873763062735},{"text":"It'll drag your whole portfolio down.","start":234.78499,"end":236.86499,"sentiment":"negative","sentiment_score":-0.47201188405354816},{"text":"So even if you got eight options and one of them is overweight, it'll drag everything else down.","start":236.86499,"end":241.92499,"sentiment":"negative","sentiment_score":-0.33508318414290744},{"text":"Now what I've got here in the two performance reports, so we actually did make a recent change to your investments.","start":243.825,"end":250.06,"sentiment":"neutral","sentiment_score":0.22599617214429946}],"sentiment":"neutral","sentiment_score":-0.16109522096403353,"num_words":91,"start":220.78,"end":250.06},{"sentences":[{"text":"Because of that issue that was identified with Benelon, we had a discussion with our investment committee, and they decided rather than waiting for the usual process of the advisers updating advice one option at a time, we actually did a sweeping change across everyone invested in Benelon within Netwealth.","start":250.76001,"end":269.375,"sentiment":"neutral","sentiment_score":0.23838407233357428},{"text":"So I've actually sent you two reports.","start":271.195,"end":273.535,"sentiment":"neutral","sentiment_score":0.11284612864255905},{"text":"One's from March, one's from April.","start":273.595,"end":275.615,"sentiment":"neutral","sentiment_score":0.06138698694606622},{"text":"Correct.","start":286.45,"end":286.93002,"sentiment":"neutral","sentiment_score":0.1158660724759102},{"text":"So what basically the the difference between the two is the Benelong is more of like a actively managed funds, bit more higher fees to try and outperform the market.","start":286.93002,"end":296.315,"sentiment":"neutral","sentiment_score":0.13184398685892423}],"sentiment":"neutral","sentiment_score":0.18243227784145385,"num_words":94,"start":250.76001,"end":296.315},{"sentences":[{"text":"The beta shares was just a very simple switch to reduce fees and improve performance while waiting for any pending advice that may be occurring.","start":296.375,"end":304.63998,"sentiment":"neutral","sentiment_score":0.25751854598522184},{"text":"Now in terms of the differences in what's yes.","start":307.09998,"end":310.56,"sentiment":"neutral","sentiment_score":0.032579366117715836},{"text":"So lower risk, it's a bit more follows the market closely.","start":310.62,"end":313.59998,"sentiment":"neutral","sentiment_score":0.14663838053291495},{"text":"It's not trying to do anything fancy.","start":313.81998,"end":315.84,"sentiment":"neutral","sentiment_score":0.043285896735531945},{"text":"Now what's kind of happened is from that March period where your portfolio was down about three and a half percent for the year, it's actually had a bit of a 6% swing back into the positive, and now you're back into positive about three and a half, 4% just in the last month.","start":317.235,"end":331.415,"sentiment":"neutral","sentiment_score":0.14902341972898553}],"sentiment":"neutral","sentiment_score":0.1574949629534528,"num_words":106,"start":296.375,"end":331.415},{"sentences":[{"text":"So as far as I can see across that portfolio, one of the strange things that's kind of happened is your portfolio has also almost rebalanced itself.","start":333.79,"end":342.67,"sentiment":"neutral","sentiment_score":0.28493119721059446},{"text":"Because that option had gone down and all the other options had gone up, you're now actually in a pretty comfortable waiting between Australian shares, international shares, gold, and all those different sectors.","start":342.67,"end":354.80502,"sentiment":"positive","sentiment_score":0.37379924727208685},{"text":"So what I wanted to kind of go through with you today was just making sure that, a, are you sort of comfortable with how this is currently looking compared to when you last spoke with us?","start":357.105,"end":367.46,"sentiment":"neutral","sentiment_score":0.13193276967551257},{"text":"Is it are you feeling it's on a bit of an upward trajectory?","start":367.91998,"end":370.82,"sentiment":"neutral","sentiment_score":0.07631420344114304},{"text":"Do these figures look okay to you?","start":371.28,"end":373.22,"sentiment":"neutral","sentiment_score":0.12298806543861117}],"sentiment":"neutral","sentiment_score":0.22874385526037624,"num_words":117,"start":333.79,"end":373.22},{"sentences":[{"text":"Yeah.","start":382.89502,"end":383.135,"sentiment":"neutral","sentiment_score":0.10576768219470978},{"text":"Especially being in high growth and and things like that, definitely, that's the the aim of the game.","start":383.135,"end":389.40997,"sentiment":"neutral","sentiment_score":0.11748048000865513},{"text":"Every seven years, you get the market goes up, something causes it to crash.","start":389.40997,"end":392.94998,"sentiment":"neutral","sentiment_score":-0.11500664241611958},{"text":"But in this particular case, it was really just about removing a bad apple and replacing that like for like.","start":393.00998,"end":398.94998,"sentiment":"neutral","sentiment_score":-0.07676068982109427},{"text":"100%.","start":417.36,"end":418.08,"sentiment":"neutral","sentiment_score":0.11469456553459167}],"sentiment":"neutral","sentiment_score":-0.015003627821527145,"num_words":54,"start":382.89502,"end":418.08},{"sentences":[{"text":"And what we would normally do is upon those reviews, if everything's going well, we may adjust strategy more so than product.","start":418.08,"end":425.53998,"sentiment":"neutral","sentiment_score":0.0926822078498927},{"text":"If product isn't doing well, then we would look to do replacements and update your advice document.","start":425.76498,"end":430.425,"sentiment":"neutral","sentiment_score":0.02111949705902268},{"text":"So you've got that in writing about what we're doing moving forward.","start":430.565,"end":434.105,"sentiment":"neutral","sentiment_score":0.1582822302977244},{"text":"This was bit of a, again, licensee decision to jump on it quickly.","start":434.565,"end":438.985,"sentiment":"neutral","sentiment_score":0.006476673799065443},{"text":"No worries.","start":444.94998,"end":445.68997,"sentiment":"neutral","sentiment_score":0.02487406600266695}],"sentiment":"neutral","sentiment_score":0.06714199511616518,"num_words":66,"start":418.08,"end":445.68997},{"sentences":[{"text":"No worries, Craig.","start":573.91504,"end":574.79504,"sentiment":"neutral","sentiment_score":0.13388065497080484},{"text":"Look, I appreciate you mixing me in on your busy day, mate.","start":574.79504,"end":577.195,"sentiment":"positive","sentiment_score":0.6091255024075508},{"text":"Thank you so much for that.","start":577.195,"end":578.575,"sentiment":"positive","sentiment_score":0.663874348004659},{"text":"Oh, did we mess up the daylight savings?","start":586.97,"end":590.50995,"sentiment":"neutral","sentiment_score":-0.025985051994211972},{"text":"Perfect.","start":592.57,"end":592.97,"sentiment":"neutral","sentiment_score":0.32935893535614014}],"sentiment":"positive","sentiment_score":0.3938624200411141,"num_words":30,"start":573.91504,"end":592.97},{"sentences":[{"text":"No worries.","start":592.97,"end":593.61,"sentiment":"neutral","sentiment_score":0.0781555026769638},{"text":"No worries.","start":593.61,"end":594.19,"sentiment":"neutral","sentiment_score":0.025540214963257313},{"text":"Appreciate that.","start":596.745,"end":597.805,"sentiment":"positive","sentiment_score":0.7270861268043518},{"text":"Awesome.","start":598.585,"end":598.985,"sentiment":"positive","sentiment_score":0.8222160339355469},{"text":"Awesome.","start":598.985,"end":599.385,"sentiment":"positive","sentiment_score":0.7376765012741089}],"sentiment":"positive","sentiment_score":0.4026820280123502,"num_words":8,"start":592.97,"end":599.385},{"sentences":[{"text":"So when I'm looking at the the portfolio side of things, if that's all looking pretty good now, I'm pretty much going to send you through an updated advice document just with, I guess, the plan in writing moving forward just so you've got a record of it.","start":599.385,"end":613.86,"sentiment":"positive","sentiment_score":0.3490805986026923},{"text":"Now I just need to briefly confirm your like, the scope of that advice just to make sure that's all still okay because there was a few little things that we were doing in addition to that.","start":615.04,"end":625.265,"sentiment":"neutral","sentiment_score":0.12679734000483076},{"text":"So outside of checking the Netwealth super, we were actually investigating possibly switching super funds, but we only really found one other fund that was just a tiny bit more affordable than the Netwealth with the same investment options.","start":627.245,"end":642.78,"sentiment":"neutral","sentiment_score":0.06229296723046364},{"text":"Are you sort of comfortable to kind of keep running with Netwealth as long as it's, you know, affordable, got the right options?","start":643.0,"end":649.48004,"sentiment":"neutral","sentiment_score":0.10229454966990845},{"text":"Do you want me to investigate that?","start":649.48004,"end":651.375,"sentiment":"neutral","sentiment_score":-0.017404743071113313}],"sentiment":"neutral","sentiment_score":0.16953076283120877,"num_words":154,"start":599.385,"end":651.375},{"sentences":[{"text":"That was a bit of a Kyle double checking there wasn't something amazing for you.","start":654.335,"end":659.075,"sentiment":"neutral","sentiment_score":-0.03737839013338089},{"text":"We always kind of do a bit of a background research just in case.","start":659.615,"end":662.755,"sentiment":"neutral","sentiment_score":0.005707469635776111},{"text":"Yep.","start":674.27,"end":674.77,"sentiment":"neutral","sentiment_score":0.051747679710388184},{"text":"Perfect.","start":674.83,"end":675.33,"sentiment":"positive","sentiment_score":0.3752514719963074},{"text":"With the scoping, so besides reviewing the portfolio, he did make a couple of notes about the estate planning side of things just as a reminder to try and get the the will and power of attorney sorted.","start":676.425,"end":687.565,"sentiment":"neutral","sentiment_score":0.08250778913497925}],"sentiment":"neutral","sentiment_score":0.0446597661121168,"num_words":69,"start":654.335,"end":687.565},{"sentences":[{"text":"And I believe we were trying to organize some beneficiary nominations as well to have your spouse double checked on both the super and the life insurance.","start":687.87994,"end":696.83997,"sentiment":"neutral","sentiment_score":0.0741616742754424},{"text":"Does that ring a bell?","start":696.83997,"end":697.89996,"sentiment":"neutral","sentiment_score":0.013424747437238694},{"text":"Yep.","start":705.095,"end":705.575,"sentiment":"neutral","sentiment_score":0.05734632909297943},{"text":"So I'm still gonna organize that.","start":705.575,"end":707.83496,"sentiment":"neutral","sentiment_score":0.08822660396496455},{"text":"And the only other thing that was in there was just to hold on to the insurances that you had with Nios.","start":708.21497,"end":714.795,"sentiment":"neutral","sentiment_score":-0.011595330497419292}],"sentiment":"neutral","sentiment_score":0.03936225614037182,"num_words":61,"start":687.87994,"end":714.795},{"sentences":[{"text":"There was some information that it looked pretty comfortable, so we were just gonna kind of keep that in place and factor in the premiums into the projections.","start":715.35,"end":722.81,"sentiment":"neutral","sentiment_score":0.31528177271996227},{"text":"Awesome.","start":725.11,"end":725.61,"sentiment":"positive","sentiment_score":0.8058863878250122},{"text":"Perfect.","start":726.47,"end":726.95,"sentiment":"positive","sentiment_score":0.8082915544509888},{"text":"Perfect.","start":726.95,"end":727.43,"sentiment":"positive","sentiment_score":0.7681251168251038},{"text":"Perfect.","start":727.43,"end":727.93,"sentiment":"positive","sentiment_score":0.6890338659286499}],"sentiment":"positive","sentiment_score":0.3718508300371468,"num_words":32,"start":715.35,"end":727.93},{"sentences":[{"text":"Alright.","start":727.99,"end":728.47,"sentiment":"positive","sentiment_score":0.33365046977996826},{"text":"And the only other things that we had noted, which was a bit more sort of personal goals that you were managing, was, like, the cash flow and budgeting 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right?","start":770.005,"end":771.305,"sentiment":"neutral","sentiment_score":0.05836184024810791},{"text":"Alright.","start":774.02,"end":774.52,"sentiment":"neutral","sentiment_score":0.07042238861322403},{"text":"Okay.","start":781.14,"end":781.64,"sentiment":"neutral","sentiment_score":0.1791905164718628},{"text":"Great.","start":782.18,"end":782.66003,"sentiment":"positive","sentiment_score":0.40136295557022095},{"text":"Great.","start":782.66003,"end":782.9,"sentiment":"positive","sentiment_score":0.4103335738182068}],"sentiment":"neutral","sentiment_score":0.15034651507933935,"num_words":9,"start":770.005,"end":782.9},{"sentences":[{"text":"Great.","start":782.9,"end":783.14,"sentiment":"positive","sentiment_score":0.45209455490112305},{"text":"Great.","start":783.14,"end":783.62,"sentiment":"positive","sentiment_score":0.4648747444152832},{"text":"So besides the super insurance and estate planning, you're on top of the budgeting and paying down the debt and then jumping into some properties after that.","start":783.62,"end":792.285,"sentiment":"neutral","sentiment_score":0.21739342449991791},{"text":"Was there anything else that you needed to discuss strategy wise or different areas of advice?","start":792.285,"end":797.665,"sentiment":"neutral","sentiment_score":0.05129704507999122},{"text":"If you ever want any sort of general tips, man, I'm happy to have a chat with you.","start":804.28,"end":807.82,"sentiment":"neutral","sentiment_score":0.16820090057121384}],"sentiment":"neutral","sentiment_score":0.1688088998789825,"num_words":63,"start":782.9,"end":807.82},{"sentences":[{"text":"Don't know what your sort of structure is there, but if you ever feel like you might need a bit of an ear to listen to or someone to kind of run through things on paper with you, I'm more than happy to do so.","start":808.76,"end":818.155,"sentiment":"neutral","sentiment_score":0.16666405432754092},{"text":"Oh, that that'd help.","start":822.29504,"end":823.755,"sentiment":"neutral","sentiment_score":0.09288472961634398},{"text":"Absolutely.","start":823.97504,"end":824.47504,"sentiment":"neutral","sentiment_score":0.2244570255279541},{"text":"Alright.","start":825.93,"end":826.43,"sentiment":"neutral","sentiment_score":0.21738481521606445},{"text":"That's the way.","start":833.29004,"end":834.01,"sentiment":"positive","sentiment_score":0.37421783804893494}],"sentiment":"neutral","sentiment_score":0.17473919848325076,"num_words":54,"start":808.76,"end":834.01},{"sentences":[{"text":"Positive cash flow is always good.","start":834.01,"end":835.95,"sentiment":"positive","sentiment_score":0.4838562880953153},{"text":"And you haven't had any significant changes in assets, liabilities, or your occupation the last sort of month or two?","start":836.33,"end":842.98505,"sentiment":"neutral","sentiment_score":-0.03689382877200842},{"text":"Perfect.","start":847.205,"end":847.60504,"sentiment":"positive","sentiment_score":0.4133182764053345},{"text":"I think we've got a residential property.","start":847.60504,"end":850.48505,"sentiment":"neutral","sentiment_score":0.21424409747123718},{"text":"You've got a few different offset accounts where you're splitting your cash flow between.","start":850.48505,"end":854.10504,"sentiment":"neutral","sentiment_score":0.20959744496004923}],"sentiment":"neutral","sentiment_score":0.1460969237765918,"num_words":48,"start":834.01,"end":854.10504},{"sentences":[{"text":"Had about $30 in redraw on the mortgage, which was about 413,000, and you're still a project engineer earning about $1.85.","start":856.0,"end":864.66003,"sentiment":"neutral","sentiment_score":0.10281860012383688},{"text":"Alright.","start":866.57495,"end":866.89496,"sentiment":"neutral","sentiment_score":0.10554292798042296},{"text":"And married with two dependents.","start":866.89496,"end":868.51495,"sentiment":"neutral","sentiment_score":0.09078999608755112},{"text":"Mate, I've got my third on the way in June.","start":872.415,"end":874.675,"sentiment":"neutral","sentiment_score":-0.13399889543652535},{"text":"Got two sons and a daughter on the way.","start":874.735,"end":876.83496,"sentiment":"neutral","sentiment_score":-0.08724527723259395}],"sentiment":"neutral","sentiment_score":0.012901892642612043,"num_words":46,"start":856.0,"end":876.83496},{"sentences":[{"text":"That's the family capped out, but I'm kind of limping to the finish line.","start":877.13495,"end":880.095,"sentiment":"neutral","sentiment_score":-0.31884448656014036},{"text":"I'll tell you 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there.","start":900.685,"end":904.625,"sentiment":"neutral","sentiment_score":0.1540621280670166},{"text":"Was there anything else I could help you with before I let you go for the weekend?","start":904.685,"end":908.06494,"sentiment":"neutral","sentiment_score":0.09084761186557658},{"text":"Winning lottery numbers.","start":912.66,"end":913.94,"sentiment":"neutral","sentiment_score":0.20102428396542868},{"text":"I'll send that through to the team, and hopefully, we'll get that emailed to you as well.","start":913.94,"end":917.31995,"sentiment":"neutral","sentiment_score":0.19940525468658}],"sentiment":"neutral","sentiment_score":0.13631085412842886,"num_words":77,"start":894.605,"end":917.31995},{"sentences":[{"text":"Alright, mate.","start":919.86,"end":920.5,"sentiment":"neutral","sentiment_score":0.16397625207901},{"text":"Anything else I can help with?","start":920.5,"end":921.54,"sentiment":"neutral","sentiment_score":0.10805737227201462},{"text":"Did you want any change in the frequency of contact?","start":921.54,"end":924.815,"sentiment":"neutral","sentiment_score":0.009631367214024068},{"text":"Any more?","start":925.03503,"end":925.85504,"sentiment":"neutral","sentiment_score":0.008240125142037868},{"text":"Yep.","start":931.03503,"end":931.195,"sentiment":"neutral","sentiment_score":0.14478576183319092}],"sentiment":"neutral","sentiment_score":0.05875602009750548,"num_words":21,"start":919.86,"end":931.195},{"sentences":[{"text":"Perfect.","start":931.195,"end":931.695,"sentiment":"neutral","sentiment_score":0.2902677655220032},{"text":"Alrighty.","start":932.315,"end":932.815,"sentiment":"neutral","sentiment_score":0.3036806285381317},{"text":"Well, mate, I really appreciate you taking the time today in and amongst your day.","start":933.275,"end":936.87,"sentiment":"positive","sentiment_score":0.6075162768363953},{"text":"I hope you have a fantastic weekend.","start":936.95,"end":938.65,"sentiment":"positive","sentiment_score":0.669981028352465},{"text":"That'll come out to you next week.","start":939.11,"end":940.71,"sentiment":"positive","sentiment_score":0.4720339136464255}],"sentiment":"positive","sentiment_score":0.5709934561483322,"num_words":31,"start":931.195,"end":940.71},{"sentences":[{"text":"Any questions at all, just text, call, email.","start":940.71,"end":943.43,"sentiment":"neutral","sentiment_score":0.19672835059463978},{"text":"You know the drill.","start":943.43,"end":944.49,"sentiment":"neutral","sentiment_score":0.04146229103207588},{"text":"Thanks, Craig.","start":946.79,"end":947.43,"sentiment":"positive","sentiment_score":0.7765424847602844},{"text":"See you later.","start":947.43,"end":948.17,"sentiment":"positive","sentiment_score":0.7243854403495789}],"sentiment":"neutral","sentiment_score":0.3215245446738075,"num_words":17,"start":940.71,"end":948.17}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. How are you, Tommy? Yeah. Not too bad. Yep. Just give me a moment. Sorry. I've got someone here also looking fixing my front door. So he's gonna give me a second to turn on my computer and switch things that I'm doing. I'm sorry. Say it again? Yeah. That's fine. Yes. I'm okay for this call to be recorded. 09/08/1985. 45 Parkland Circuit, Boondall 4034. Yeah. Yeah. I can hear you. Okay. I've got you on a conferencing speaker. Just hold the line for a second. I just gotta talk to the door installer for a second. Okay. I'm back. I'm just opening my email now. No. No. I've got it. Yep. Okay. Yeah. He was saying that we had oh, well, the investment was heavily centered around, I think, Australian equities, and they didn't fare too well in the past year. Yeah. And he said most of my a good chunk of my money was in that and wasn't a proper distribution against these types of drops. So that's how he explained it. Yep. Yep. Yep. Yep. Yep. So I can see in the April one that you've divested from Bennelong and invested in the beta shares. Yep. So slightly lower risk. Yep. Yep. Yeah. The figures are okay paid to me. Right. I expect to do to have good years and bad years. That's all expected. Yeah. Yeah. No. That that that's fine. That's all kind of normal processes. I expect to to have good years and bad years. So and I expect you guys to make adjustments as necessary to kind of manage it within the kind of expected gains and losses. Okay. Just just hold on hold on a moment, Tommy. I just gotta see the the third man off. Sorry. Call me back now. No. That's okay. Didn't expect him at that time. So and I thought you were at 10:00, not 09:00. So that's Okay. Oh, no. That was me. I take responsibility for my own mistakes. Thank you. Yep. Yep. Yep. This this is news to me. No. It's it's a managed fund, and you guys are managing it. And I would expect there to be fees associated to management and the fact that it's done this way. So Yes. That is correct because it's currently under her maiden name and not her current name. Yep. It's expected. Yes. It's currently what I'm trying to do. Yeah. Yeah. So diversifying into rental properties. I could do better at budgeting, but I think that's on me. No. I I don't actually have a budget. Yeah. I just try and make sure that my ins are a a good chunk greater than my outs. No. Not in the last couple of months. Yep. Yep. That's correct. Yes. Unfortunately. Yeah. I just had to get out at two. That's expensive about. Yeah. I can understand that. A million dollars? Perfect. Thank you. No. Once a year or once every two years. However you guys do it is fine by me. Alright. No problem. Thanks, Toby. Cheers. 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Hello? Good. How are you, Tommy? Yeah.\n\nNot too bad. Yep. Just give me a moment. Sorry. I've got someone here also looking fixing my front door.\n\nSo he's gonna give me a second to turn on my computer and switch things that I'm doing. I'm sorry. Say it again? Yeah. That's fine.\n\nYes. I'm okay for this call to be recorded. 09/08/1985. 45 Parkland Circuit, Boondall 4034. Yeah.\n\nYeah. I can hear you. Okay. I've got you on a conferencing speaker. Just hold the line for a second.\n\nI just gotta talk to the door installer for a second. Okay. I'm back. I'm just opening my email now. No.\n\nNo. I've got it. Yep. Okay. Yeah.\n\nHe was saying that we had oh, well, the investment was heavily centered around, I think, Australian equities, and they didn't fare too well in the past year. Yeah. And he said most of my a good chunk of my money was in that and wasn't a proper distribution against these types of drops. So that's how he explained it. Yep.\n\nYep. Yep. Yep. Yep. So I can see in the April one that you've divested from Bennelong and invested in the beta shares.\n\nYep. So slightly lower risk. Yep. Yep. Yeah.\n\nThe figures are okay paid to me. Right. I expect to do to have good years and bad years. That's all expected. Yeah.\n\nYeah. No. That that that's fine. That's all kind of normal processes. I expect to to have good years and bad years.\n\nSo and I expect you guys to make adjustments as necessary to kind of manage it within the kind of expected gains and losses. Okay. Just just hold on hold on a moment, Tommy. I just gotta see the the third man off. Sorry.\n\nCall me back now. No. That's okay. Didn't expect him at that time. So and I thought you were at 10:00, not 09:00.\n\nSo that's Okay. Oh, no. That was me. I take responsibility for my own mistakes. Thank you.\n\nYep. Yep. Yep. This this is news to me. No.\n\nIt's it's a managed fund, and you guys are managing it. And I would expect there to be fees associated to management and the fact that it's done this way. So Yes. That is correct because it's currently under her maiden name and not her current name. Yep.\n\nIt's expected. Yes. It's currently what I'm trying to do. Yeah. Yeah.\n\nSo diversifying into rental properties. I could do better at budgeting, but I think that's on me. No. I I don't actually have a budget. Yeah.\n\nI just try and make sure that my ins are a a good chunk greater than my outs. No. Not in the last couple of months. Yep. Yep.\n\nThat's correct. Yes. Unfortunately. Yeah. I just had to get out at two.\n\nThat's expensive about. Yeah. I can understand that. A million dollars? Perfect.\n\nThank you. No. Once a year or once every two years. However you guys do it is fine by me. Alright.\n\nNo problem. Thanks, Toby. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.012739982455968857},{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.02518986538052559},{"text":"Good.","start":8.32,"end":8.8,"sentiment":"neutral","sentiment_score":0.29422691464424133},{"text":"How are you, Tommy?","start":8.8,"end":9.78,"sentiment":"neutral","sentiment_score":0.24886588379740715},{"text":"Yeah.","start":15.545,"end":15.865,"sentiment":"neutral","sentiment_score":0.15489013493061066}],"sentiment":"neutral","sentiment_score":0.18531380407512188,"num_words":8,"start":0.39999998,"end":15.865},{"sentences":[{"text":"Not too bad.","start":15.865,"end":16.765,"sentiment":"neutral","sentiment_score":0.2023582955201467},{"text":"Yep.","start":25.465,"end":25.965,"sentiment":"neutral","sentiment_score":0.13610991835594177},{"text":"Just give me a moment.","start":42.004997,"end":44.184998,"sentiment":"neutral","sentiment_score":0.020351848751306533},{"text":"Sorry.","start":45.445,"end":45.765,"sentiment":"neutral","sentiment_score":-0.01765011064708233},{"text":"I've got someone here also looking fixing my front door.","start":45.765,"end":48.964996,"sentiment":"neutral","sentiment_score":0.003672241233289242}],"sentiment":"neutral","sentiment_score":0.04320081751793623,"num_words":20,"start":15.865,"end":48.964996},{"sentences":[{"text":"So he's gonna give me a second to turn on my computer and switch things that I'm doing.","start":48.964996,"end":61.32,"sentiment":"neutral","sentiment_score":0.008621611321965853},{"text":"I'm sorry.","start":62.980003,"end":63.46,"sentiment":"neutral","sentiment_score":-0.028144070878624916},{"text":"Say it again?","start":63.46,"end":64.28,"sentiment":"neutral","sentiment_score":-0.017492689192295074},{"text":"Yeah.","start":70.155,"end":70.475,"sentiment":"neutral","sentiment_score":0.021892279386520382},{"text":"That's fine.","start":70.475,"end":71.215,"sentiment":"neutral","sentiment_score":0.05089269392192364}],"sentiment":"neutral","sentiment_score":0.0065423254496776145,"num_words":26,"start":48.964996,"end":71.215},{"sentences":[{"text":"Yes.","start":74.315,"end":74.635,"sentiment":"neutral","sentiment_score":0.036514848470687866},{"text":"I'm okay for this call to be recorded.","start":74.635,"end":76.415,"sentiment":"neutral","sentiment_score":0.03900338662788272},{"text":"09/08/1985.","start":87.1,"end":89.2,"sentiment":"neutral","sentiment_score":0.006384396459907293},{"text":"45 Parkland Circuit, Boondall 4034.","start":89.579994,"end":92.88,"sentiment":"neutral","sentiment_score":0.021536117605865},{"text":"Yeah.","start":102.565,"end":102.805,"sentiment":"neutral","sentiment_score":0.02825921401381493}],"sentiment":"neutral","sentiment_score":0.030679133749799803,"num_words":16,"start":74.315,"end":102.805},{"sentences":[{"text":"Yeah.","start":102.805,"end":102.885,"sentiment":"neutral","sentiment_score":0.038849301636219025},{"text":"I can hear you.","start":102.885,"end":103.765,"sentiment":"neutral","sentiment_score":0.050172002986073494},{"text":"Okay.","start":103.765,"end":104.085,"sentiment":"neutral","sentiment_score":0.048447832465171814},{"text":"I've got you on a conferencing speaker.","start":104.085,"end":106.025,"sentiment":"neutral","sentiment_score":0.06853935069271497},{"text":"Just hold the line for a second.","start":109.96001,"end":111.4,"sentiment":"neutral","sentiment_score":0.10392617008515767}],"sentiment":"neutral","sentiment_score":0.07476218957453966,"num_words":20,"start":102.805,"end":111.4},{"sentences":[{"text":"I just gotta talk to the door installer for a second.","start":111.4,"end":114.79,"sentiment":"neutral","sentiment_score":0.007309333844618363},{"text":"Okay.","start":133.11499,"end":133.595,"sentiment":"neutral","sentiment_score":0.13235002756118774},{"text":"I'm back.","start":133.595,"end":134.33499,"sentiment":"neutral","sentiment_score":0.09855837374925613},{"text":"I'm just opening my email now.","start":134.39499,"end":136.575,"sentiment":"neutral","sentiment_score":0.08478920658429463},{"text":"No.","start":144.29,"end":144.45,"sentiment":"neutral","sentiment_score":-0.07243937999010086}],"sentiment":"neutral","sentiment_score":0.040293586041246145,"num_words":21,"start":111.4,"end":144.45},{"sentences":[{"text":"No.","start":144.45,"end":144.61,"sentiment":"neutral","sentiment_score":-0.1628725528717041},{"text":"I've got it.","start":144.61,"end":145.51,"sentiment":"neutral","sentiment_score":-0.040681306583185986},{"text":"Yep.","start":161.415,"end":161.915,"sentiment":"neutral","sentiment_score":0.03863579034805298},{"text":"Okay.","start":161.975,"end":162.475,"sentiment":"neutral","sentiment_score":0.13720151782035828},{"text":"Yeah.","start":176.59,"end":176.99,"sentiment":"neutral","sentiment_score":-0.09279409795999528}],"sentiment":"neutral","sentiment_score":-0.02883903748754944,"num_words":7,"start":144.45,"end":176.99},{"sentences":[{"text":"He was saying that we had oh, well, the investment was heavily centered around, I think, Australian equities, and they didn't fare too well in the past year.","start":176.99,"end":187.225,"sentiment":"neutral","sentiment_score":-0.18438148365489074},{"text":"Yeah.","start":208.01999,"end":208.34,"sentiment":"neutral","sentiment_score":-0.13030588626861572},{"text":"And he said most of my a good chunk of my money was in that and wasn't a proper distribution against these types of drops.","start":208.34,"end":217.875,"sentiment":"neutral","sentiment_score":-0.19697211384773256},{"text":"So that's how he explained it.","start":217.875,"end":219.575,"sentiment":"neutral","sentiment_score":-0.05815731858213743},{"text":"Yep.","start":243.025,"end":243.525,"sentiment":"neutral","sentiment_score":0.18947724997997284}],"sentiment":"neutral","sentiment_score":-0.17011076944773315,"num_words":61,"start":176.99,"end":243.525},{"sentences":[{"text":"Yep.","start":251.04,"end":251.54,"sentiment":"neutral","sentiment_score":0.1487841755151749},{"text":"Yep.","start":268.855,"end":269.355,"sentiment":"neutral","sentiment_score":0.21580585837364197},{"text":"Yep.","start":271.17502,"end":271.67502,"sentiment":"neutral","sentiment_score":0.11294306814670564},{"text":"Yep.","start":276.04,"end":276.28,"sentiment":"neutral","sentiment_score":0.115913026034832},{"text":"So I can see in the April one that you've divested from Bennelong and invested in the beta shares.","start":276.28,"end":285.58002,"sentiment":"neutral","sentiment_score":0.11513484387021315}],"sentiment":"neutral","sentiment_score":0.12091339833062628,"num_words":23,"start":251.04,"end":285.58002},{"sentences":[{"text":"Yep.","start":306.4,"end":306.9,"sentiment":"neutral","sentiment_score":0.10306626558303832},{"text":"So slightly lower risk.","start":307.36,"end":309.37997,"sentiment":"neutral","sentiment_score":0.026072883512824774},{"text":"Yep.","start":332.53,"end":333.03,"sentiment":"neutral","sentiment_score":0.2211153358221054},{"text":"Yep.","start":355.865,"end":356.365,"sentiment":"neutral","sentiment_score":0.10087022185325624},{"text":"Yeah.","start":373.76,"end":374.08,"sentiment":"neutral","sentiment_score":0.14989790320396423}],"sentiment":"neutral","sentiment_score":0.08490515756420791,"num_words":8,"start":306.4,"end":374.08},{"sentences":[{"text":"The figures are okay paid to me.","start":374.08,"end":376.58,"sentiment":"neutral","sentiment_score":0.2346535665648324},{"text":"Right.","start":377.60498,"end":378.00497,"sentiment":"neutral","sentiment_score":0.18091294169425964},{"text":"I expect to do to have good years and bad years.","start":378.00497,"end":380.805,"sentiment":"neutral","sentiment_score":0.04654849117452448},{"text":"That's all expected.","start":380.805,"end":382.10498,"sentiment":"neutral","sentiment_score":0.08378217617670695},{"text":"Yeah.","start":397.8,"end":398.3,"sentiment":"neutral","sentiment_score":-0.03139814734458923}],"sentiment":"neutral","sentiment_score":0.1111073779023212,"num_words":23,"start":374.08,"end":398.3},{"sentences":[{"text":"Yeah.","start":399.4,"end":399.9,"sentiment":"neutral","sentiment_score":0.017498165369033813},{"text":"No.","start":400.04,"end":400.36,"sentiment":"neutral","sentiment_score":-0.03296557068824768},{"text":"That that that's fine.","start":400.36,"end":401.56,"sentiment":"neutral","sentiment_score":0.0669229906052351},{"text":"That's all kind of normal processes.","start":401.56,"end":404.46,"sentiment":"neutral","sentiment_score":0.1350834866364797},{"text":"I expect to to have good years and bad years.","start":404.68,"end":408.415,"sentiment":"neutral","sentiment_score":0.14114668294787408}],"sentiment":"neutral","sentiment_score":0.1124632866545157,"num_words":22,"start":399.4,"end":408.415},{"sentences":[{"text":"So and I expect you guys to make adjustments as necessary to kind of manage it within the kind of expected gains and losses.","start":408.415,"end":416.835,"sentiment":"neutral","sentiment_score":0.1324139266895751},{"text":"Okay.","start":436.79498,"end":437.29498,"sentiment":"neutral","sentiment_score":0.011931410059332848},{"text":"Just just hold on hold on a moment, Tommy.","start":437.595,"end":440.235,"sentiment":"neutral","sentiment_score":0.015449167539676031},{"text":"I just gotta see the the third man off.","start":440.235,"end":444.57498,"sentiment":"neutral","sentiment_score":-0.004972607776936557},{"text":"Sorry.","start":571.69,"end":572.17,"sentiment":"neutral","sentiment_score":0.01737496629357338}],"sentiment":"neutral","sentiment_score":0.07503476488107647,"num_words":44,"start":408.415,"end":572.17},{"sentences":[{"text":"Call me back now.","start":572.17,"end":573.23,"sentiment":"neutral","sentiment_score":0.0291548571549356},{"text":"No.","start":579.04504,"end":579.36505,"sentiment":"neutral","sentiment_score":-0.003756048157811165},{"text":"That's okay.","start":579.36505,"end":580.185,"sentiment":"neutral","sentiment_score":-0.011445333249866962},{"text":"Didn't expect him at that time.","start":580.80505,"end":582.645,"sentiment":"neutral","sentiment_score":-0.1351923681795597},{"text":"So and I thought you were at 10:00, not 09:00.","start":582.645,"end":586.405,"sentiment":"neutral","sentiment_score":-0.07465894147753716}],"sentiment":"neutral","sentiment_score":-0.06381612651697967,"num_words":23,"start":572.17,"end":586.405},{"sentences":[{"text":"So that's Okay.","start":586.405,"end":588.74506,"sentiment":"neutral","sentiment_score":-0.03219017821053664},{"text":"Oh, no.","start":589.62994,"end":590.37,"sentiment":"neutral","sentiment_score":-0.014666859526187181},{"text":"That was me.","start":590.50995,"end":591.41,"sentiment":"neutral","sentiment_score":0.028762691964705784},{"text":"I take responsibility for my own mistakes.","start":592.75,"end":594.99,"sentiment":"neutral","sentiment_score":0.008733668497630529},{"text":"Thank you.","start":594.99,"end":595.73,"sentiment":"neutral","sentiment_score":0.30090583860874176}],"sentiment":"neutral","sentiment_score":0.03666653993594296,"num_words":17,"start":586.405,"end":595.73},{"sentences":[{"text":"Yep.","start":603.65497,"end":604.15497,"sentiment":"neutral","sentiment_score":0.2415580004453659},{"text":"Yep.","start":614.135,"end":614.635,"sentiment":"neutral","sentiment_score":0.15431907773017883},{"text":"Yep.","start":626.1,"end":626.6,"sentiment":"neutral","sentiment_score":0.07115109264850616},{"text":"This this is news to me.","start":651.63,"end":653.08997,"sentiment":"neutral","sentiment_score":-0.00789697685589393},{"text":"No.","start":663.725,"end":663.965,"sentiment":"neutral","sentiment_score":-0.04428806155920029}],"sentiment":"neutral","sentiment_score":0.037535824812948704,"num_words":10,"start":603.65497,"end":663.965},{"sentences":[{"text":"It's it's a managed fund, and you guys are managing it.","start":663.965,"end":667.245,"sentiment":"neutral","sentiment_score":-0.012192499061877077},{"text":"And I would expect there to be fees associated to management and the fact that it's done this way.","start":667.245,"end":677.16,"sentiment":"neutral","sentiment_score":0.027299028674238605},{"text":"So Yes.","start":677.16,"end":698.475,"sentiment":"neutral","sentiment_score":0.04490451700985432},{"text":"That is correct because it's currently under her maiden name and not her current name.","start":698.475,"end":704.74,"sentiment":"neutral","sentiment_score":0.030858469133575758},{"text":"Yep.","start":723.755,"end":724.255,"sentiment":"positive","sentiment_score":0.3865310847759247}],"sentiment":"neutral","sentiment_score":0.027578775227690738,"num_words":48,"start":663.965,"end":724.255},{"sentences":[{"text":"It's expected.","start":724.875,"end":725.615,"sentiment":"positive","sentiment_score":0.7034130096435547},{"text":"Yes.","start":750.245,"end":750.745,"sentiment":"neutral","sentiment_score":0.07584153115749359},{"text":"It's currently what I'm trying to do.","start":752.405,"end":754.185,"sentiment":"neutral","sentiment_score":0.07355103748185295},{"text":"Yeah.","start":771.585,"end":772.085,"sentiment":"neutral","sentiment_score":0.049881502985954285},{"text":"Yeah.","start":773.745,"end":774.145,"sentiment":"neutral","sentiment_score":0.05622876435518265}],"sentiment":"neutral","sentiment_score":0.1753029233465592,"num_words":12,"start":724.875,"end":774.145},{"sentences":[{"text":"So diversifying into rental properties.","start":774.145,"end":779.84503,"sentiment":"neutral","sentiment_score":0.07972421199083328},{"text":"I could do better at budgeting, but I think that's on me.","start":799.855,"end":802.995,"sentiment":"neutral","sentiment_score":-0.038734788657166064},{"text":"No.","start":818.84,"end":819.24,"sentiment":"neutral","sentiment_score":-0.1243441253900528},{"text":"I I don't actually have a budget.","start":819.24,"end":821.10004,"sentiment":"neutral","sentiment_score":-0.16911205117191588},{"text":"Yeah.","start":825.56,"end":826.04,"sentiment":"neutral","sentiment_score":0.1587536334991455}],"sentiment":"neutral","sentiment_score":-0.046752740539467104,"num_words":26,"start":774.145,"end":826.04},{"sentences":[{"text":"I just try and make sure that my ins are a a good chunk greater than my outs.","start":826.04,"end":832.505,"sentiment":"neutral","sentiment_score":0.2698637934194671},{"text":"No.","start":844.48004,"end":844.80005,"sentiment":"neutral","sentiment_score":-0.12125566601753236},{"text":"Not in the last couple of months.","start":844.80005,"end":846.34,"sentiment":"neutral","sentiment_score":-0.13212412276438304},{"text":"Yep.","start":854.96,"end":855.46,"sentiment":"neutral","sentiment_score":0.10270126163959505},{"text":"Yep.","start":865.175,"end":865.495,"sentiment":"neutral","sentiment_score":0.08685816824436188}],"sentiment":"neutral","sentiment_score":0.14289225664521968,"num_words":28,"start":826.04,"end":865.495},{"sentences":[{"text":"That's correct.","start":865.495,"end":866.315,"sentiment":"neutral","sentiment_score":0.13046221435070038},{"text":"Yes.","start":869.175,"end":869.495,"sentiment":"neutral","sentiment_score":-0.004842216148972511},{"text":"Unfortunately.","start":869.495,"end":869.995,"sentiment":"neutral","sentiment_score":-0.1504925787448883},{"text":"Yeah.","start":881.96,"end":882.28,"sentiment":"neutral","sentiment_score":-0.09051310271024704},{"text":"I just had to get out at two.","start":882.28,"end":884.22003,"sentiment":"neutral","sentiment_score":-0.17250763159245253}],"sentiment":"neutral","sentiment_score":-0.1049988093571021,"num_words":13,"start":865.495,"end":884.22003},{"sentences":[{"text":"That's expensive about.","start":885.16003,"end":886.62,"sentiment":"negative","sentiment_score":-0.33518868684768677},{"text":"Yeah.","start":891.855,"end":892.175,"sentiment":"neutral","sentiment_score":0.020516403019428253},{"text":"I can understand that.","start":892.175,"end":893.475,"sentiment":"neutral","sentiment_score":0.009459340013563633},{"text":"A million dollars?","start":909.6,"end":910.66003,"sentiment":"neutral","sentiment_score":0.08156052976846695},{"text":"Perfect.","start":917.555,"end":918.035,"sentiment":"positive","sentiment_score":0.34116488695144653}],"sentiment":"neutral","sentiment_score":-0.03011381843437751,"num_words":12,"start":885.16003,"end":918.035},{"sentences":[{"text":"Thank you.","start":918.035,"end":918.77496,"sentiment":"positive","sentiment_score":0.3494456857442856},{"text":"No.","start":925.555,"end":926.055,"sentiment":"neutral","sentiment_score":-0.048165783286094666},{"text":"Once a year or once every two years.","start":927.07495,"end":928.83496,"sentiment":"neutral","sentiment_score":-0.04119480028748512},{"text":"However you guys do it is fine by me.","start":928.83496,"end":930.855,"sentiment":"neutral","sentiment_score":0.05807300822602378},{"text":"Alright.","start":944.79895,"end":945.279,"sentiment":"neutral","sentiment_score":0.1935647428035736}],"sentiment":"neutral","sentiment_score":0.04939947632097062,"num_words":21,"start":918.035,"end":945.279},{"sentences":[{"text":"No problem.","start":945.279,"end":945.839,"sentiment":"positive","sentiment_score":0.4816294461488724},{"text":"Thanks, Toby.","start":945.839,"end":946.65894,"sentiment":"positive","sentiment_score":0.7286748588085175},{"text":"Cheers.","start":948.55896,"end":949.05896,"sentiment":"positive","sentiment_score":0.6872309446334839},{"text":"Bye.","start":949.199,"end":949.699,"sentiment":"neutral","sentiment_score":-0.09502759575843812}],"sentiment":"positive","sentiment_score":0.5021353264649709,"num_words":6,"start":945.279,"end":949.699}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Good morning, Craig. It's Tommy here, senior adviser from. How are you going today?\n\nChannel 1: Good. How are you, Tommy?\n\nChannel 0: I'm doing absolutely fantastic. It's a beautiful cool end to the week. What about your end?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: Great to hear. Great to hear. Mate, I was just giving you a call to go through that updated advice discussion since your review with Kyle.\n\nChannel 1: Yep.\n\nChannel 0: I've made a few changes that I wanted to discuss with you and to sort of work out a bit of a plan going forward. And I've just shot you off an email with a couple of performance reports. Would you be able to have a look at them with me today?\n\nChannel 1: Just give me a moment. Sorry.\n\nChannel 0: That's\n\nChannel 1: I've\n\nChannel 0: totally\n\nChannel 1: got someone\n\nChannel 0: fine.\n\nChannel 1: here also looking fixing my front door. So he's gonna give me a second to turn on my computer and switch\n\nChannel 0: That's totally fine. I really appreciate it. While you're doing that, are you okay for me to just go\n\nChannel 1: things\n\nChannel 0: through\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: I'm\n\nChannel 0: security\n\nChannel 1: doing.\n\nChannel 0: check with you?\n\nChannel 1: I'm sorry. Say it again?\n\nChannel 0: While you're organizing that, do you mind if I go through a quick security check with you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Cool. So are you okay for this call to be recorded?\n\nChannel 1: Yes. I'm okay for this call to be recorded.\n\nChannel 0: Yep. And just for the security of your account, so I'm registered with Asica's adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: 09/08/1985. 45 Parkland Circuit, Boondall 4034.\n\nChannel 0: Amazing. That was super quick. Thank you so much for that, Craig. Really appreciate it. Alright.\n\nNow can you hear me okay?\n\nChannel 1: Yeah. Yeah. I can hear you. Okay. I've got you on a conferencing speaker.\n\nChannel 0: Oh, fantastic. I've got got you loud and clear.\n\nChannel 1: Just hold the line for a second. I just gotta talk to the door installer for a second.\n\nChannel 0: No worries. Thank you so much.\n\nChannel 1: Okay. I'm back. I'm just opening my email now.\n\nChannel 0: No worries. Now because it is the first time I've emailed you, it may go to your main inbox or your spam box. So just let me know if you can\n\nChannel 1: No.\n\nChannel 0: see\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: I've\n\nChannel 0: there.\n\nChannel 1: got it.\n\nChannel 0: Okay? Amazing. Amazing. Amazing. I've got some updated advice that Carl was putting together for you as well.\n\nSo after I talk about these two reports, I just wanted to quickly touch base on the other areas that he was discussing with you, if that's alright?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Fantastic. So one of the main things that was sort of happening since your discussion, there was a bit of a weaker performance with your NetWell super. So you were doing a bit of a portfolio review to fix up a few of the investments. Does that ring a bell?\n\nChannel 1: Yeah. He was saying that we had oh, well, the investment was heavily centered around, I think, Australian equities, and they didn't fare too well in the past year.\n\nChannel 0: Yeah. And it was a one investment option in particular, which was Benelong Australian shares, which had significantly underperformed, I guess, the peer group and the Australian market as well. So not only did Australian equities not do too well, but this particular option kind of undershot everybody else in that space.\n\nChannel 1: Yeah. And he said most of my a good chunk of my money was in that and wasn't a proper distribution against these types of drops. So that's how he explained it.\n\nChannel 0: Yeah. Correct. Because one of the things when it comes to waiting is not having too much in any one asset class or any one sector. Because if you've got a huge amount of your money in one sector, then that's just gonna cause issues if that underperforms. It'll drag your whole portfolio down.\n\nSo even if you got eight options and one of them is overweight, it'll drag everything else down.\n\nChannel 1: Yep.\n\nChannel 0: Now what I've got here in the two performance reports, so we actually did make a recent change to your investments. Because\n\nChannel 1: Yep.\n\nChannel 0: of that issue that was identified with Benelon, we had a discussion with our investment committee, and they decided rather than waiting for the usual process of the advisers updating advice one option at a time, we actually did a sweeping change across everyone invested in Benelon within\n\nChannel 1: Yep.\n\nChannel 0: Netwealth.\n\nChannel 1: Yep.\n\nChannel 0: So I've actually sent you two reports. One's from March, one's from April.\n\nChannel 1: Yep. So I can see in the April one that you've divested from Bennelong and invested in the beta shares.\n\nChannel 0: Correct. So what basically the the difference between the two is the Benelong is more of like a actively managed funds, bit more higher fees to try and outperform the market. The beta shares was just a very simple switch to reduce fees and improve performance while waiting for any pending advice that may be occurring.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: So\n\nChannel 0: in terms of the\n\nChannel 1: slightly\n\nChannel 0: differences\n\nChannel 1: lower\n\nChannel 0: in what's\n\nChannel 1: risk.\n\nChannel 0: yes. So lower risk, it's a bit more follows the market closely. It's not trying to do anything fancy. Now what's kind of happened is from that March period where your portfolio was down about three and a half percent for the year, it's actually had a bit of a 6% swing back into the positive, and now you're back into positive about three and a half, 4% just in the last month.\n\nChannel 1: Yep.\n\nChannel 0: So as far as I can see across that portfolio, one of the strange things that's kind of happened is your portfolio has also almost rebalanced itself. Because that option had gone down and all the other options had gone up, you're now actually in a pretty comfortable waiting between Australian shares, international shares, gold, and all those different sectors.\n\nChannel 1: Yep.\n\nChannel 0: So what I wanted to kind of go through with you today was just making sure that, a, are you sort of comfortable with how this is currently looking compared to when you last spoke with us? Is it are you feeling it's on a bit of an upward trajectory? Do these figures look okay to you?\n\nChannel 1: Yeah. The figures are okay paid to me. Right. I expect to do to have good years and bad years. That's all expected.\n\nChannel 0: Yeah. Especially being in high growth and and things like that, definitely, that's the the aim of the game. Every seven years, you get the market goes up, something causes it to crash. But in this particular case, it was really just about removing a bad apple and replacing that\n\nChannel 1: Yeah.\n\nChannel 0: like for like.\n\nChannel 1: Yeah. No. That that that's fine. That's all kind of normal processes. I expect to to have good years and bad years.\n\nSo and I expect you guys to make adjustments as necessary to kind of manage it within the kind of expected gains and losses.\n\nChannel 0: 100%. And what we would normally do is upon those reviews, if everything's going well, we may adjust strategy more so than product. If product isn't doing well, then we would look to do replacements and update your advice document. So you've got that in writing about what we're doing moving forward. This was bit of a, again,\n\nChannel 1: Okay.\n\nChannel 0: licensee decision\n\nChannel 1: Just\n\nChannel 0: to jump\n\nChannel 1: just\n\nChannel 0: on\n\nChannel 1: hold\n\nChannel 0: it quickly.\n\nChannel 1: on hold on a moment, Tommy. I just gotta see the the third man off.\n\nChannel 0: No worries.\n\nChannel 1: Sorry. Call me back now.\n\nChannel 0: No worries, Craig. Look, I appreciate you mixing me in on your busy day, mate. Thank you so much for that.\n\nChannel 1: No. That's okay. Didn't expect him at that time. So and I thought you were at 10:00, not 09:00. So\n\nChannel 0: Oh, did we\n\nChannel 1: that's\n\nChannel 0: mess\n\nChannel 1: Okay.\n\nChannel 0: up the daylight\n\nChannel 1: Oh, no.\n\nChannel 0: savings?\n\nChannel 1: That was me.\n\nChannel 0: Perfect.\n\nChannel 1: I\n\nChannel 0: No\n\nChannel 1: take\n\nChannel 0: worries.\n\nChannel 1: responsibility\n\nChannel 0: No worries.\n\nChannel 1: for my own mistakes. Thank you.\n\nChannel 0: Appreciate that. Awesome. Awesome. So when I'm looking at the the portfolio side of things, if\n\nChannel 1: Yep.\n\nChannel 0: that's all looking pretty good now, I'm pretty much going to send you through an updated advice document just with, I guess, the plan in writing moving forward just so you've got a record of it.\n\nChannel 1: Yep.\n\nChannel 0: Now I just need to briefly confirm your like, the scope of that advice just to make sure that's all still okay because there was a few little things that we were doing in addition to that.\n\nChannel 1: Yep.\n\nChannel 0: So outside of checking the Netwealth super, we were actually investigating possibly switching super funds, but we only really found one other fund that was just a tiny bit more affordable than the Netwealth with the same investment options. Are you sort of comfortable to kind of keep running with Netwealth as long as it's, you know, affordable, got the right options? Do you want me to investigate that?\n\nChannel 1: This this is news to me.\n\nChannel 0: That was a bit of a Kyle double checking there wasn't something amazing for you. We always kind of do a bit of a background research just in case.\n\nChannel 1: No. It's it's a managed fund, and you guys are managing it. And I would expect there to be fees associated to management and the fact that it's done\n\nChannel 0: Yep. Perfect. With\n\nChannel 1: this\n\nChannel 0: the\n\nChannel 1: way.\n\nChannel 0: scoping,\n\nChannel 1: So\n\nChannel 0: so besides reviewing the portfolio, he did make a couple of notes about the estate planning side of things just as a reminder to try and get the the will and power of attorney sorted. And I believe we were trying to organize some beneficiary nominations as well to have your spouse double checked on both the super and the life insurance. Does that ring a bell?\n\nChannel 1: Yes. That is correct because it's currently under her maiden name and not her current name.\n\nChannel 0: Yep. So I'm still gonna organize that. And the only other thing that was in there was just to hold on to the insurances that you had with Nios. There was some information that it looked pretty comfortable, so we were just gonna kind of keep that in place and factor in the premiums into the projections.\n\nChannel 1: Yep. It's\n\nChannel 0: Awesome.\n\nChannel 1: expected.\n\nChannel 0: Perfect. Perfect. Perfect. Alright. And the only other things that we had noted, which was a bit more sort of personal goals that you were managing, was, like, the cash flow and budgeting side.\n\nWe have noted here that you were gonna use $25,000 to do some renovations, which is, I'm assuming, what you're doing, and just sort of building up some funds for your children.\n\nChannel 1: Yes. It's currently\n\nChannel 0: We've\n\nChannel 1: what\n\nChannel 0: got\n\nChannel 1: I'm trying to do.\n\nChannel 0: a goal noted here to make sure your budgeting's viable for your children's future. Once you've renovated the house and paid down the debt, you might look into doing some personal investments to grow some wealth outside of super. Does that sound about right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Alright.\n\nChannel 1: So diversifying into rental properties.\n\nChannel 0: Okay. Great. Great. Great. Great.\n\nSo besides the super insurance and estate planning, you're on top of the budgeting and paying down the debt and then jumping into some properties after that. Was there anything else that you needed to discuss strategy wise or different areas of advice?\n\nChannel 1: I could do better at budgeting, but I think that's on me.\n\nChannel 0: If you ever want any sort of general tips, man, I'm happy to have a chat with you. Don't know what your sort of structure is there, but if you ever feel like you might need a bit of an ear to listen to or someone to kind of run through things on paper with you, I'm more than happy to do so.\n\nChannel 1: No. I I don't actually have a budget.\n\nChannel 0: Oh, that that'd help. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Alright.\n\nChannel 1: I just try and make sure that my ins are a a good chunk greater than my outs.\n\nChannel 0: That's the way. Positive cash flow is always good. And you haven't had any significant changes in assets, liabilities, or your occupation the last sort of month or two?\n\nChannel 1: No. Not in the last couple of months.\n\nChannel 0: Perfect. I think we've got a residential property. You've got a few different offset accounts where you're splitting your cash flow between.\n\nChannel 1: Yep.\n\nChannel 0: Had about $30 in redraw on the mortgage, which was about 413,000, and you're still a project engineer earning about $1.85.\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Alright. And married with two dependents.\n\nChannel 1: Yes. Unfortunately.\n\nChannel 0: Mate, I've got my third on the way in June. Got two sons and a daughter on the way. That's the family capped out, but I'm kind of limping to the finish line. I'll tell you that.\n\nChannel 1: Yeah. I just had to get out at two.\n\nChannel 0: That's the reasonable\n\nChannel 1: That's expensive\n\nChannel 0: approach.\n\nChannel 1: about.\n\nChannel 0: I'm just the sucker for pain, I hope. Alrighty.\n\nChannel 1: Yeah. I can understand that.\n\nChannel 0: So what I'm gonna do now, Craig, I'm gonna basically update this document that's in front of me before I send it off to you. Should have it to you early next week so you've got it in writing there. Was there anything else I could help you with before I let you go for the weekend?\n\nChannel 1: A million dollars?\n\nChannel 0: Winning lottery numbers. I'll send that through to the team, and hopefully, we'll get that emailed to you as well.\n\nChannel 1: Perfect. Thank you.\n\nChannel 0: Alright, mate. Anything else I can help with? Did you want any change in the frequency of contact? Any more?\n\nChannel 1: No. Once a year or once every two years. However you guys do it is fine by me.\n\nChannel 0: Yep. Perfect. Alrighty. Well, mate, I really appreciate you taking the time today in and amongst your day. I hope you have a fantastic weekend.\n\nThat'll come out to you next week. Any questions at all, just text, call, email. You know the drill.\n\nChannel 1: Alright. No problem. Thanks, Toby.\n\nChannel 0: Thanks, Craig. See you later.\n\nChannel 1: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.012739982455968857},{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.02518986538052559}],"sentiment":"neutral","sentiment_score":0.018964923918247223,"channel":1,"num_words":2,"start":0.39999998,"end":3.6999998},{"sentences":[{"text":"Good morning, Craig.","start":4.4,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2352913816769918},{"text":"It's Tommy here, senior adviser from.","start":5.2799997,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.1755141317844391},{"text":"How are you going today?","start":7.2799997,"end":8.34,"sentiment":"neutral","sentiment_score":0.19310871064662932}],"sentiment":"neutral","sentiment_score":0.19460732064076833,"channel":0,"num_words":14,"start":4.4,"end":8.34},{"sentences":[{"text":"Good.","start":8.32,"end":8.8,"sentiment":"neutral","sentiment_score":0.29422691464424133},{"text":"How are you, Tommy?","start":8.8,"end":9.78,"sentiment":"neutral","sentiment_score":0.24886588379740715}],"sentiment":"neutral","sentiment_score":0.257938089966774,"channel":1,"num_words":5,"start":8.32,"end":9.78},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":9.92,"end":11.78,"sentiment":"positive","sentiment_score":0.771708220243454},{"text":"It's a beautiful cool end to the week.","start":11.92,"end":14.0,"sentiment":"positive","sentiment_score":0.7590907067060471},{"text":"What about your end?","start":14.0,"end":15.075,"sentiment":"neutral","sentiment_score":0.14435682445764542}],"sentiment":"positive","sentiment_score":0.6085616145282984,"channel":0,"num_words":16,"start":9.92,"end":15.075},{"sentences":[{"text":"Yeah.","start":15.545,"end":15.865,"sentiment":"neutral","sentiment_score":0.15489013493061066},{"text":"Not too bad.","start":15.865,"end":16.765,"sentiment":"neutral","sentiment_score":0.2023582955201467}],"sentiment":"neutral","sentiment_score":0.19049125537276268,"channel":1,"num_words":4,"start":15.545,"end":16.765},{"sentences":[{"text":"Great to hear.","start":17.395,"end":18.035,"sentiment":"positive","sentiment_score":0.5045614242553711},{"text":"Great to hear.","start":18.035,"end":18.755,"sentiment":"positive","sentiment_score":0.4950801332791646},{"text":"Mate, I was just giving you a call to go through that updated advice discussion since your review with Kyle.","start":18.755,"end":25.015,"sentiment":"neutral","sentiment_score":0.15301914662122726}],"sentiment":"neutral","sentiment_score":0.23305029250108278,"channel":0,"num_words":26,"start":17.395,"end":25.015},{"sentences":[{"text":"Yep.","start":25.465,"end":25.965,"sentiment":"neutral","sentiment_score":0.13610991835594177}],"sentiment":"neutral","sentiment_score":0.13610991835594177,"channel":1,"num_words":1,"start":25.465,"end":25.965},{"sentences":[{"text":"I've made a few changes that I wanted to discuss with you and to sort of work out a bit of a plan going forward.","start":26.275,"end":32.17,"sentiment":"neutral","sentiment_score":0.18879366278648377},{"text":"And I've just shot you off an email with a couple of performance reports.","start":32.55,"end":36.73,"sentiment":"neutral","sentiment_score":0.11147399406347956},{"text":"Would you be able to have a look at them with me today?","start":36.87,"end":39.05,"sentiment":"neutral","sentiment_score":0.08093470736191823}],"sentiment":"neutral","sentiment_score":0.14101209004337972,"channel":0,"num_words":52,"start":26.275,"end":39.05},{"sentences":[{"text":"Just give me a 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someone","start":45.925,"end":46.565,"sentiment":"neutral","sentiment_score":0.008805409073829651}],"sentiment":"neutral","sentiment_score":0.008805409073829651,"channel":1,"num_words":2,"start":45.925,"end":46.565},{"sentences":[{"text":"fine.","start":46.245,"end":46.745,"sentiment":"neutral","sentiment_score":0.01436048559844494}],"sentiment":"neutral","sentiment_score":0.01436048559844494,"channel":0,"num_words":1,"start":46.245,"end":46.745},{"sentences":[{"text":"here also looking fixing my front door.","start":46.565,"end":48.964996,"sentiment":"neutral","sentiment_score":0.002001213575048106},{"text":"So he's gonna give me a second to turn on my computer and switch","start":48.964996,"end":52.425,"sentiment":"neutral","sentiment_score":0.017424665923629488}],"sentiment":"neutral","sentiment_score":0.012283515140769027,"channel":1,"num_words":21,"start":46.565,"end":52.425},{"sentences":[{"text":"That's totally fine.","start":54.579998,"end":55.78,"sentiment":"neutral","sentiment_score":0.23740614453951517},{"text":"I really appreciate it.","start":55.78,"end":57.16,"sentiment":"positive","sentiment_score":0.4741349071264267},{"text":"While you're doing that, are you okay for me to just go","start":58.1,"end":60.42,"sentiment":"neutral","sentiment_score":-0.014224570554991564}],"sentiment":"neutral","sentiment_score":0.12831911660338702,"channel":0,"num_words":19,"start":54.579998,"end":60.42},{"sentences":[{"text":"things","start":60.260002,"end":60.446667,"sentiment":"neutral","sentiment_score":-0.027553360909223557}],"sentiment":"neutral","sentiment_score":-0.027553360909223557,"channel":1,"num_words":1,"start":60.260002,"end":60.446667},{"sentences":[{"text":"through","start":60.42,"end":60.579998,"sentiment":"neutral","sentiment_score":-0.012608833611011503}],"sentiment":"neutral","sentiment_score":-0.012608833611011503,"channel":0,"num_words":1,"start":60.42,"end":60.579998},{"sentences":[{"text":"that","start":60.446667,"end":60.633335,"sentiment":"neutral","sentiment_score":-0.014023788273334503}],"sentiment":"neutral","sentiment_score":-0.014023788273334503,"channel":1,"num_words":1,"start":60.446667,"end":60.633335},{"sentences":[{"text":"that","start":60.579998,"end":60.739998,"sentiment":"neutral","sentiment_score":-0.01840972900390625}],"sentiment":"neutral","sentiment_score":-0.01840972900390625,"channel":0,"num_words":1,"start":60.579998,"end":60.739998},{"sentences":[{"text":"I'm","start":60.633335,"end":60.82,"sentiment":"neutral","sentiment_score":-0.024983249604701996}],"sentiment":"neutral","sentiment_score":-0.024983249604701996,"channel":1,"num_words":1,"start":60.633335,"end":60.82},{"sentences":[{"text":"security","start":60.739998,"end":61.219997,"sentiment":"neutral","sentiment_score":-0.04498451203107834}],"sentiment":"neutral","sentiment_score":-0.04498451203107834,"channel":0,"num_words":1,"start":60.739998,"end":61.219997},{"sentences":[{"text":"doing.","start":60.82,"end":61.32,"sentiment":"neutral","sentiment_score":-0.02219592034816742}],"sentiment":"neutral","sentiment_score":-0.02219592034816742,"channel":1,"num_words":1,"start":60.82,"end":61.32},{"sentences":[{"text":"check with you?","start":61.219997,"end":62.039997,"sentiment":"neutral","sentiment_score":-0.02154695801436901}],"sentiment":"neutral","sentiment_score":-0.02154695801436901,"channel":0,"num_words":3,"start":61.219997,"end":62.039997},{"sentences":[{"text":"I'm sorry.","start":62.980003,"end":63.46,"sentiment":"neutral","sentiment_score":-0.028144070878624916},{"text":"Say it again?","start":63.46,"end":64.28,"sentiment":"neutral","sentiment_score":-0.017492689192295074}],"sentiment":"neutral","sentiment_score":-0.021753241866827012,"channel":1,"num_words":5,"start":62.980003,"end":64.28},{"sentences":[{"text":"While you're organizing that, do you mind if I go through a quick security check with you?","start":64.9,"end":69.915,"sentiment":"neutral","sentiment_score":-0.01465533219058724}],"sentiment":"neutral","sentiment_score":-0.01465533219058724,"channel":0,"num_words":17,"start":64.9,"end":69.915},{"sentences":[{"text":"Yeah.","start":70.155,"end":70.475,"sentiment":"neutral","sentiment_score":0.021892279386520382},{"text":"That's fine.","start":70.475,"end":71.215,"sentiment":"neutral","sentiment_score":0.05089269392192364}],"sentiment":"neutral","sentiment_score":0.04122588907678922,"channel":1,"num_words":3,"start":70.155,"end":71.215},{"sentences":[{"text":"Cool.","start":71.595,"end":71.835,"sentiment":"neutral","sentiment_score":0.05022148787975311},{"text":"So are you okay for this call to be recorded?","start":71.835,"end":73.935,"sentiment":"neutral","sentiment_score":0.01625297497957945}],"sentiment":"neutral","sentiment_score":0.019341021606867962,"channel":0,"num_words":11,"start":71.595,"end":73.935},{"sentences":[{"text":"Yes.","start":74.315,"end":74.635,"sentiment":"neutral","sentiment_score":0.036514848470687866},{"text":"I'm okay for this call to be recorded.","start":74.635,"end":76.415,"sentiment":"neutral","sentiment_score":0.03900338662788272}],"sentiment":"neutral","sentiment_score":0.038726882388194404,"channel":1,"num_words":9,"start":74.315,"end":76.415},{"sentences":[{"text":"Yep.","start":76.875,"end":77.275,"sentiment":"neutral","sentiment_score":0.046403251588344574},{"text":"And just for the security of your account, so I'm registered with Asica's adviser 1273105.","start":77.275,"end":83.375,"sentiment":"neutral","sentiment_score":0.04263882202406724},{"text":"Are you okay to confirm your date of birth and address, please?","start":83.43,"end":86.41,"sentiment":"neutral","sentiment_score":0.028286283370107412}],"sentiment":"neutral","sentiment_score":0.036622177942522934,"channel":0,"num_words":28,"start":76.875,"end":86.41},{"sentences":[{"text":"09/08/1985.","start":87.1,"end":89.2,"sentiment":"neutral","sentiment_score":0.006384396459907293},{"text":"45 Parkland Circuit, Boondall 4034.","start":89.579994,"end":92.88,"sentiment":"neutral","sentiment_score":0.021536117605865}],"sentiment":"neutral","sentiment_score":0.019010830748205382,"channel":1,"num_words":6,"start":87.1,"end":92.88},{"sentences":[{"text":"Amazing.","start":93.19,"end":93.67,"sentiment":"positive","sentiment_score":0.42065465450286865},{"text":"That was super quick.","start":93.67,"end":94.71,"sentiment":"positive","sentiment_score":0.5294676050543785},{"text":"Thank you so much for that, Craig.","start":94.71,"end":95.99,"sentiment":"positive","sentiment_score":0.6133571948323931},{"text":"Really appreciate it.","start":95.99,"end":97.035,"sentiment":"positive","sentiment_score":0.5152972340583801},{"text":"Alright.","start":100.715004,"end":101.115005,"sentiment":"neutral","sentiment_score":0.07542504370212555}],"sentiment":"positive","sentiment_score":0.528333886526525,"channel":0,"num_words":16,"start":93.19,"end":101.115005},{"sentences":[{"text":"Now can you hear me okay?","start":101.115005,"end":102.33501,"sentiment":"neutral","sentiment_score":0.026231413707137108}],"sentiment":"neutral","sentiment_score":0.026231413707137108,"channel":0,"num_words":6,"start":101.115005,"end":102.33501},{"sentences":[{"text":"Yeah.","start":102.565,"end":102.805,"sentiment":"neutral","sentiment_score":0.02825921401381493},{"text":"Yeah.","start":102.805,"end":102.885,"sentiment":"neutral","sentiment_score":0.038849301636219025},{"text":"I can hear you.","start":102.885,"end":103.765,"sentiment":"neutral","sentiment_score":0.050172002986073494},{"text":"Okay.","start":103.765,"end":104.085,"sentiment":"neutral","sentiment_score":0.048447832465171814},{"text":"I've got you on a conferencing speaker.","start":104.085,"end":106.025,"sentiment":"neutral","sentiment_score":0.06853935069271497}],"sentiment":"neutral","sentiment_score":0.05685855820775032,"channel":1,"num_words":14,"start":102.565,"end":106.025},{"sentences":[{"text":"Oh, fantastic.","start":106.315,"end":107.135,"sentiment":"neutral","sentiment_score":0.29600857198238373},{"text":"I've got got you loud and clear.","start":107.435005,"end":109.455,"sentiment":"neutral","sentiment_score":0.2570987875972475}],"sentiment":"neutral","sentiment_score":0.2657454063495,"channel":0,"num_words":9,"start":106.315,"end":109.455},{"sentences":[{"text":"Just hold the line for a second.","start":109.96001,"end":111.4,"sentiment":"neutral","sentiment_score":0.10392617008515767},{"text":"I just gotta talk to the door installer for a second.","start":111.4,"end":114.79,"sentiment":"neutral","sentiment_score":0.007309333844618363}],"sentiment":"neutral","sentiment_score":0.044882547938161425,"channel":1,"num_words":18,"start":109.96001,"end":114.79},{"sentences":[{"text":"No worries.","start":114.78,"end":115.34,"sentiment":"neutral","sentiment_score":0.13702759519219398},{"text":"Thank you so much.","start":115.34,"end":116.16,"sentiment":"positive","sentiment_score":0.5377823561429977}],"sentiment":"positive","sentiment_score":0.40419743582606316,"channel":0,"num_words":6,"start":114.78,"end":116.16},{"sentences":[{"text":"Okay.","start":133.11499,"end":133.595,"sentiment":"neutral","sentiment_score":0.13235002756118774},{"text":"I'm back.","start":133.595,"end":134.33499,"sentiment":"neutral","sentiment_score":0.09855837374925613},{"text":"I'm just opening my email now.","start":134.39499,"end":136.575,"sentiment":"neutral","sentiment_score":0.08478920658429463}],"sentiment":"neutral","sentiment_score":0.09313355717394087,"channel":1,"num_words":9,"start":133.11499,"end":136.575},{"sentences":[{"text":"No worries.","start":137.45,"end":138.01,"sentiment":"neutral","sentiment_score":0.02448313171043992},{"text":"Now because it is the first time I've emailed you, it may go to your main inbox or your spam box.","start":138.01,"end":142.97,"sentiment":"neutral","sentiment_score":-0.016788234329959822},{"text":"So just let me know if you 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fine.","start":400.36,"end":401.56,"sentiment":"neutral","sentiment_score":0.0669229906052351},{"text":"That's all kind of normal processes.","start":401.56,"end":404.46,"sentiment":"neutral","sentiment_score":0.1350834866364797},{"text":"I expect to to have good years and bad years.","start":404.68,"end":408.415,"sentiment":"neutral","sentiment_score":0.14114668294787408}],"sentiment":"neutral","sentiment_score":0.1124632866545157,"channel":1,"num_words":22,"start":399.4,"end":408.415},{"sentences":[{"text":"So and I expect you guys to make adjustments as necessary to kind of manage it within the kind of expected gains and losses.","start":408.415,"end":416.835,"sentiment":"neutral","sentiment_score":0.1324139266895751}],"sentiment":"neutral","sentiment_score":0.1324139266895751,"channel":1,"num_words":24,"start":408.415,"end":416.835},{"sentences":[{"text":"100%.","start":417.36,"end":418.08,"sentiment":"neutral","sentiment_score":0.11469456553459167},{"text":"And what we would 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sort of structure is there, but if you ever feel like you might need a bit of an ear to listen to or someone to kind of run through things on paper with you, I'm more than happy to do so.","start":808.76,"end":818.155,"sentiment":"neutral","sentiment_score":0.16666405432754092}],"sentiment":"neutral","sentiment_score":0.1671031532543046,"channel":0,"num_words":63,"start":804.28,"end":818.155},{"sentences":[{"text":"No.","start":818.84,"end":819.24,"sentiment":"neutral","sentiment_score":-0.1243441253900528},{"text":"I I don't actually have a budget.","start":819.24,"end":821.10004,"sentiment":"neutral","sentiment_score":-0.16911205117191588}],"sentiment":"neutral","sentiment_score":-0.163516060449183,"channel":1,"num_words":8,"start":818.84,"end":821.10004},{"sentences":[{"text":"Oh, that that'd help.","start":822.29504,"end":823.755,"sentiment":"neutral","sentiment_score":0.09288472961634398},{"text":"Absolutely.","start":823.97504,"end":824.47504,"sentiment":"neutral","sentiment_score":0.2244570255279541}],"sentiment":"neutral","sentiment_score":0.119199188798666,"channel":0,"num_words":5,"start":822.29504,"end":824.47504},{"sentences":[{"text":"Yeah.","start":825.56,"end":826.04,"sentiment":"neutral","sentiment_score":0.1587536334991455}],"sentiment":"neutral","sentiment_score":0.1587536334991455,"channel":1,"num_words":1,"start":825.56,"end":826.04},{"sentences":[{"text":"Alright.","start":825.93,"end":826.43,"sentiment":"neutral","sentiment_score":0.21738481521606445}],"sentiment":"neutral","sentiment_score":0.21738481521606445,"channel":0,"num_words":1,"start":825.93,"end":826.43},{"sentences":[{"text":"I just try and make sure that my ins are a a good chunk greater than my outs.","start":826.04,"end":832.505,"sentiment":"neutral","sentiment_score":0.2698637934194671}],"sentiment":"neutral","sentiment_score":0.2698637934194671,"channel":1,"num_words":18,"start":826.04,"end":832.505},{"sentences":[{"text":"That's the way.","start":833.29004,"end":834.01,"sentiment":"positive","sentiment_score":0.37421783804893494},{"text":"Positive cash flow is always good.","start":834.01,"end":835.95,"sentiment":"positive","sentiment_score":0.4838562880953153},{"text":"And you haven't had any significant changes in assets, liabilities, or your occupation the last sort of month or two?","start":836.33,"end":842.98505,"sentiment":"neutral","sentiment_score":-0.03689382877200842}],"sentiment":"neutral","sentiment_score":0.11337636783719063,"channel":0,"num_words":29,"start":833.29004,"end":842.98505},{"sentences":[{"text":"No.","start":844.48004,"end":844.80005,"sentiment":"neutral","sentiment_score":-0.12125566601753236},{"text":"Not in the last couple of months.","start":844.80005,"end":846.34,"sentiment":"neutral","sentiment_score":-0.13212412276438304}],"sentiment":"neutral","sentiment_score":-0.1307655656710267,"channel":1,"num_words":8,"start":844.48004,"end":846.34},{"sentences":[{"text":"Perfect.","start":847.205,"end":847.60504,"sentiment":"positive","sentiment_score":0.4133182764053345},{"text":"I think we've got a residential property.","start":847.60504,"end":850.48505,"sentiment":"neutral","sentiment_score":0.21424409747123718},{"text":"You've got a few different offset accounts where you're splitting your cash flow between.","start":850.48505,"end":854.10504,"sentiment":"neutral","sentiment_score":0.20959744496004923}],"sentiment":"neutral","sentiment_score":0.22033596309748563,"channel":0,"num_words":22,"start":847.205,"end":854.10504},{"sentences":[{"text":"Yep.","start":854.96,"end":855.46,"sentiment":"neutral","sentiment_score":0.10270126163959505}],"sentiment":"neutral","sentiment_score":0.10270126163959505,"channel":1,"num_words":1,"start":854.96,"end":855.46},{"sentences":[{"text":"Had about $30 in redraw on the mortgage, which was about 413,000, and you're still a project engineer earning about $1.85.","start":856.0,"end":864.66003,"sentiment":"neutral","sentiment_score":0.10281860012383688}],"sentiment":"neutral","sentiment_score":0.10281860012383688,"channel":0,"num_words":21,"start":856.0,"end":864.66003},{"sentences":[{"text":"Yep.","start":865.175,"end":865.495,"sentiment":"neutral","sentiment_score":0.08685816824436188},{"text":"That's correct.","start":865.495,"end":866.315,"sentiment":"neutral","sentiment_score":0.13046221435070038}],"sentiment":"neutral","sentiment_score":0.11592753231525421,"channel":1,"num_words":3,"start":865.175,"end":866.315},{"sentences":[{"text":"Alright.","start":866.57495,"end":866.89496,"sentiment":"neutral","sentiment_score":0.10554292798042296},{"text":"And married with two dependents.","start":866.89496,"end":868.51495,"sentiment":"neutral","sentiment_score":0.09078999608755112}],"sentiment":"neutral","sentiment_score":0.09324881806969643,"channel":0,"num_words":6,"start":866.57495,"end":868.51495},{"sentences":[{"text":"Yes.","start":869.175,"end":869.495,"sentiment":"neutral","sentiment_score":-0.004842216148972511},{"text":"Unfortunately.","start":869.495,"end":869.995,"sentiment":"neutral","sentiment_score":-0.1504925787448883}],"sentiment":"neutral","sentiment_score":-0.07766739744693041,"channel":1,"num_words":2,"start":869.175,"end":869.995},{"sentences":[{"text":"Mate, I've got my third on the way in June.","start":872.415,"end":874.675,"sentiment":"neutral","sentiment_score":-0.13399889543652535},{"text":"Got two sons and a daughter on the way.","start":874.735,"end":876.83496,"sentiment":"neutral","sentiment_score":-0.08724527723259395},{"text":"That's the family capped out, but I'm kind of limping to the finish line.","start":877.13495,"end":880.095,"sentiment":"neutral","sentiment_score":-0.31884448656014036},{"text":"I'll tell you that.","start":880.095,"end":880.83,"sentiment":"neutral","sentiment_score":-0.10822690464556217}],"sentiment":"neutral","sentiment_score":-0.18978180756440033,"channel":0,"num_words":37,"start":872.415,"end":880.83},{"sentences":[{"text":"Yeah.","start":881.96,"end":882.28,"sentiment":"neutral","sentiment_score":-0.09051310271024704},{"text":"I just had to get out at two.","start":882.28,"end":884.22003,"sentiment":"neutral","sentiment_score":-0.17250763159245253}],"sentiment":"neutral","sentiment_score":-0.16339712838331857,"channel":1,"num_words":9,"start":881.96,"end":884.22003},{"sentences":[{"text":"That's the reasonable","start":884.75,"end":885.65,"sentiment":"neutral","sentiment_score":-0.09195592751105626}],"sentiment":"neutral","sentiment_score":-0.09195592751105626,"channel":0,"num_words":3,"start":884.75,"end":885.65},{"sentences":[{"text":"That's expensive","start":885.16003,"end":885.98,"sentiment":"negative","sentiment_score":-0.37440812587738037}],"sentiment":"negative","sentiment_score":-0.37440812587738037,"channel":1,"num_words":2,"start":885.16003,"end":885.98},{"sentences":[{"text":"approach.","start":885.71,"end":886.21,"sentiment":"negative","sentiment_score":-0.4008561670780182}],"sentiment":"negative","sentiment_score":-0.4008561670780182,"channel":0,"num_words":1,"start":885.71,"end":886.21},{"sentences":[{"text":"about.","start":886.12,"end":886.62,"sentiment":"neutral","sentiment_score":-0.25674980878829956}],"sentiment":"neutral","sentiment_score":-0.25674980878829956,"channel":1,"num_words":1,"start":886.12,"end":886.62},{"sentences":[{"text":"I'm just the sucker for pain, I hope.","start":887.07,"end":889.65,"sentiment":"negative","sentiment_score":-0.463765487074852},{"text":"Alrighty.","start":891.47003,"end":891.97003,"sentiment":"neutral","sentiment_score":-0.010197460651397703}],"sentiment":"negative","sentiment_score":-0.4133690396944682,"channel":0,"num_words":9,"start":887.07,"end":891.97003},{"sentences":[{"text":"Yeah.","start":891.855,"end":892.175,"sentiment":"neutral","sentiment_score":0.020516403019428253},{"text":"I can understand that.","start":892.175,"end":893.475,"sentiment":"neutral","sentiment_score":0.009459340013563633}],"sentiment":"neutral","sentiment_score":0.011670752614736556,"channel":1,"num_words":5,"start":891.855,"end":893.475},{"sentences":[{"text":"So what I'm gonna do now, Craig, I'm gonna basically update this document that's in front of me before I send it off to you.","start":894.605,"end":900.685,"sentiment":"neutral","sentiment_score":0.10590529054403305},{"text":"Should have it to you early next week so you've got it in writing there.","start":900.685,"end":904.625,"sentiment":"neutral","sentiment_score":0.1540621280670166},{"text":"Was there anything else I could help you with before I let you go for the weekend?","start":904.685,"end":908.06494,"sentiment":"neutral","sentiment_score":0.09084761186557658}],"sentiment":"neutral","sentiment_score":0.11408725590036627,"channel":0,"num_words":57,"start":894.605,"end":908.06494},{"sentences":[{"text":"A million dollars?","start":909.6,"end":910.66003,"sentiment":"neutral","sentiment_score":0.08156052976846695}],"sentiment":"neutral","sentiment_score":0.08156052976846695,"channel":1,"num_words":3,"start":909.6,"end":910.66003},{"sentences":[{"text":"Winning lottery numbers.","start":912.66,"end":913.94,"sentiment":"neutral","sentiment_score":0.20102428396542868},{"text":"I'll send that through to the team, and hopefully, we'll get that emailed to you as well.","start":913.94,"end":917.31995,"sentiment":"neutral","sentiment_score":0.19940525468658}],"sentiment":"neutral","sentiment_score":0.1996481090784073,"channel":0,"num_words":20,"start":912.66,"end":917.31995},{"sentences":[{"text":"Perfect.","start":917.555,"end":918.035,"sentiment":"positive","sentiment_score":0.34116488695144653},{"text":"Thank you.","start":918.035,"end":918.77496,"sentiment":"positive","sentiment_score":0.3494456857442856}],"sentiment":"positive","sentiment_score":0.3466854194800059,"channel":1,"num_words":3,"start":917.555,"end":918.77496},{"sentences":[{"text":"Alright, mate.","start":919.86,"end":920.5,"sentiment":"neutral","sentiment_score":0.16397625207901},{"text":"Anything else I can help with?","start":920.5,"end":921.54,"sentiment":"neutral","sentiment_score":0.10805737227201462},{"text":"Did you want any change in the frequency of contact?","start":921.54,"end":924.815,"sentiment":"neutral","sentiment_score":0.009631367214024068},{"text":"Any more?","start":925.03503,"end":925.85504,"sentiment":"neutral","sentiment_score":0.008240125142037868}],"sentiment":"neutral","sentiment_score":0.05445453301072121,"channel":0,"num_words":20,"start":919.86,"end":925.85504},{"sentences":[{"text":"No.","start":925.555,"end":926.055,"sentiment":"neutral","sentiment_score":-0.048165783286094666},{"text":"Once a year or once every two years.","start":927.07495,"end":928.83496,"sentiment":"neutral","sentiment_score":-0.04119480028748512},{"text":"However you guys do it is fine by me.","start":928.83496,"end":930.855,"sentiment":"neutral","sentiment_score":0.05807300822602378}],"sentiment":"neutral","sentiment_score":0.008051827136013243,"channel":1,"num_words":18,"start":925.555,"end":930.855},{"sentences":[{"text":"Yep.","start":931.03503,"end":931.195,"sentiment":"neutral","sentiment_score":0.14478576183319092},{"text":"Perfect.","start":931.195,"end":931.695,"sentiment":"neutral","sentiment_score":0.2902677655220032},{"text":"Alrighty.","start":932.315,"end":932.815,"sentiment":"neutral","sentiment_score":0.3036806285381317},{"text":"Well, mate, I really appreciate you taking the time today in and amongst your day.","start":933.275,"end":936.87,"sentiment":"positive","sentiment_score":0.6075162768363953},{"text":"I hope you have a fantastic weekend.","start":936.95,"end":938.65,"sentiment":"positive","sentiment_score":0.669981028352465}],"sentiment":"positive","sentiment_score":0.5816538202762603,"channel":0,"num_words":25,"start":931.03503,"end":938.65},{"sentences":[{"text":"That'll come out to you next week.","start":939.11,"end":940.71,"sentiment":"positive","sentiment_score":0.4720339136464255},{"text":"Any questions at all, just text, call, email.","start":940.71,"end":943.43,"sentiment":"neutral","sentiment_score":0.19672835059463978},{"text":"You know the drill.","start":943.43,"end":944.49,"sentiment":"neutral","sentiment_score":0.04146229103207588}],"sentiment":"neutral","sentiment_score":0.26546912444265264,"channel":0,"num_words":19,"start":939.11,"end":944.49},{"sentences":[{"text":"Alright.","start":944.79895,"end":945.279,"sentiment":"neutral","sentiment_score":0.1935647428035736},{"text":"No problem.","start":945.279,"end":945.839,"sentiment":"positive","sentiment_score":0.4816294461488724},{"text":"Thanks, Toby.","start":945.839,"end":946.65894,"sentiment":"positive","sentiment_score":0.7286748588085175}],"sentiment":"positive","sentiment_score":0.5228346705436706,"channel":1,"num_words":5,"start":944.79895,"end":946.65894},{"sentences":[{"text":"Thanks, Craig.","start":946.79,"end":947.43,"sentiment":"positive","sentiment_score":0.7765424847602844},{"text":"See you later.","start":947.43,"end":948.17,"sentiment":"positive","sentiment_score":0.7243854403495789}],"sentiment":"positive","sentiment_score":0.7452482581138611,"channel":0,"num_words":5,"start":946.79,"end":948.17},{"sentences":[{"text":"Cheers.","start":948.55896,"end":949.05896,"sentiment":"positive","sentiment_score":0.6872309446334839},{"text":"Bye.","start":949.199,"end":949.699,"sentiment":"neutral","sentiment_score":-0.09502759575843812}],"sentiment":"neutral","sentiment_score":0.2961016744375229,"channel":1,"num_words":2,"start":948.55896,"end":949.699}]},"summary":{"result":"success","short":"Craig, a senior adviser from an investment company, reassured Craig that the changes made to his portfolio were due to a lack of proper distribution and a potential portfolio rebalancing. The speaker also discussed the possibility of a repositioning of the portfolio and reassured Craig that adjustments were made if needed. They also discussed the impact of the lack of proper distribution on the portfolio and updated the customer on their investment strategy. The customer is instructed to send the updated advice document before their call."},"intents":{"segments":[{"text":"Good morning, Craig. It's Tommy here, senior adviser from. How are you going today? Good.","start_word":2,"end_word":16,"intents":[{"intent":"Receive call from craig","confidence_score":0.000029610743}]},{"text":"I've made a few changes that I wanted to discuss with you and to sort of work out a bit of a plan going forward. And I've just shot you off an email with a couple of performance reports. Would you be able to have a look at them with me today?","start_word":68,"end_word":119,"intents":[{"intent":"Review performance reports","confidence_score":0.0024046684}]},{"text":"While you're doing that, are you okay for me to just go things through that that I'm security doing. check with you?","start_word":160,"end_word":181,"intents":[{"intent":"Check security check","confidence_score":0.014931782}]},{"text":"So are you okay for this call to be recorded? Yes.","start_word":208,"end_word":218,"intents":[{"intent":"Arrange call recording","confidence_score":0.0026629148}]},{"text":"Are you okay to confirm your date of birth and address, please? 09/08/1985.","start_word":243,"end_word":255,"intents":[{"intent":"Confirm identity","confidence_score":0.21488766},{"intent":"Confirm date of birth","confidence_score":0.22645624}]},{"text":"I've got got you loud and clear. Just hold the line for a second.","start_word":299,"end_word":312,"intents":[{"intent":"Hold call on speaker","confidence_score":0.0020890574}]},{"text":"So one of the main things that was sort of happening since your discussion, there was a bit of a weaker performance with your NetWell super. So you were doing a bit of a portfolio review to fix up a few of the investments. Does that ring a bell?","start_word":427,"end_word":475,"intents":[{"intent":"Address concerns about investment performance","confidence_score":0.00049757154}]},{"text":"So what I wanted to kind of go through with you today was just making sure that, a, are you sort of comfortable with how this is currently looking compared to when you last spoke with us?","start_word":973,"end_word":1009,"intents":[{"intent":"Review and evaluate current situation","confidence_score":0.000010600896},{"intent":"Recall previous conversation","confidence_score":0.00085169106}]},{"text":"I expect to to have good years and bad years. So and I expect you guys to make adjustments as necessary to kind of manage it within the kind of expected gains and losses. 100%.","start_word":1119,"end_word":1153,"intents":[{"intent":"Confirm expectations and make adjustments","confidence_score":0.000014831786}]},{"text":"And what we would normally do is upon those reviews, if everything's going well, we may adjust strategy more so than product. If product isn't doing well, then we would look to do replacements and update your advice document.","start_word":1154,"end_word":1192,"intents":[{"intent":"Update advice document","confidence_score":0.042574473},{"intent":"Discuss product replacements","confidence_score":0.00042360974}]},{"text":"And what we would normally do is upon those reviews, if everything's going well, we may adjust strategy more so than product. If product isn't doing well, then we would look to do replacements and update your advice document. So you've got that in writing about what we're doing moving forward.","start_word":1154,"end_word":1204,"intents":[{"intent":"Discuss future plans","confidence_score":0.0044496893}]},{"text":"So when I'm looking at the the portfolio side of things, if Yep. that's all looking pretty good now, I'm pretty much going to send you through an updated advice document just with, I guess, the plan in writing moving forward just so you've got a record of it. Yep.","start_word":1318,"end_word":1367,"intents":[{"intent":"Confirm advice document","confidence_score":0.6620921},{"intent":"Review portfolio","confidence_score":0.08350196}]},{"text":"So outside of checking the Netwealth super, we were actually investigating possibly switching super funds, but we only really found one other fund that was just a tiny bit more affordable than the Netwealth with the same investment options. Are you sort of comfortable to kind of keep running with Netwealth as long as it's, you know, affordable, got the right options? Do you want me to investigate that?","start_word":1406,"end_word":1474,"intents":[{"intent":"Explore alternative fund options","confidence_score":0.010361692}]},{"text":"That was a bit of a Kyle double checking there wasn't something amazing for you. We always kind of do a bit of a background research just in case.","start_word":1481,"end_word":1509,"intents":[{"intent":"Conduct background research","confidence_score":0.026895814}]},{"text":"And I believe we were trying to organize some beneficiary nominations as well to have your spouse double checked on both the super and the life insurance.","start_word":1582,"end_word":1608,"intents":[{"intent":"Manage trustee nominations","confidence_score":0.00018560597}]},{"text":"That is correct because it's currently under her maiden name and not her current name. Yep.","start_word":1615,"end_word":1630,"intents":[{"intent":"Confirm name","confidence_score":0.011953818}]},{"text":"And the only other thing that was in there was just to hold on to the insurances that you had with Nios.","start_word":1637,"end_word":1658,"intents":[{"intent":"Hold on to insurances","confidence_score":0.8659343}]},{"text":"Was there anything else that you needed to discuss strategy wise or different areas of advice?","start_word":1851,"end_word":1866,"intents":[{"intent":"Review budgeting strategies","confidence_score":0.0043105567}]},{"text":"I can understand that. So what I'm gonna do now, Craig, I'm gonna basically update this document that's in front of me before I send it off to you. Should have it to you early next week so you've got it in writing there.","start_word":2130,"end_word":2173,"intents":[{"intent":"Update document","confidence_score":0.7240369}]},{"text":"I'll send that through to the team, and hopefully, we'll get that emailed to you as well.","start_word":2197,"end_word":2213,"intents":[{"intent":"Help with lottery numbers","confidence_score":0.0029519538}]},{"text":"Did you want any change in the frequency of contact? Any more?","start_word":2225,"end_word":2236,"intents":[{"intent":"Request frequency change in contact frequency","confidence_score":0.0048808563}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Good morning, Craig. It's Tommy here, senior adviser from. How are you going today? Good. How are you, Tommy?","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.19172169268131256},{"text":"I'm doing absolutely fantastic. It's a beautiful cool end to the week.","start_word":21,"end_word":32,"sentiment":"positive","sentiment_score":0.7607808709144592},{"text":"What about your end? Yeah. Not too bad.","start_word":33,"end_word":40,"sentiment":"neutral","sentiment_score":0.18001015484333038},{"text":"Great to hear. Great to hear.","start_word":41,"end_word":46,"sentiment":"positive","sentiment_score":0.4877548813819885},{"text":"Mate, I was just giving you a call to go through that updated advice discussion since your review with Kyle. Yep. I've made a few changes that I wanted to discuss with you and to sort of work out a bit of a plan going forward. And I've just shot you off an email with a couple of performance reports. Would you be able to have a look at them with me today? Just give me a moment. Sorry. That's totally I've got someone fine. here also looking fixing my front door. So he's gonna give me a second to turn on my computer and switch That's totally fine.","start_word":47,"end_word":155,"sentiment":"neutral","sentiment_score":0.10421190410852432},{"text":"I really appreciate it.","start_word":156,"end_word":159,"sentiment":"positive","sentiment_score":0.4644644856452942},{"text":"While you're doing that, are you okay for me to just go things through that that I'm security doing. check with you? I'm sorry. Say it again? While you're organizing that, do you mind if I go through a quick security check with you? Yeah. That's fine. Cool. So are you okay for this call to be recorded? Yes. I'm okay for this call to be recorded. Yep. And just for the security of your account, so I'm registered with Asica's adviser 1273105. Are you okay to confirm your date of birth and address, please? 09/08/1985. 45 Parkland Circuit, Boondall 4034.","start_word":160,"end_word":260,"sentiment":"neutral","sentiment_score":0.013139002025127413},{"text":"Amazing. That was super quick. Thank you so much for that, Craig. Really appreciate it.","start_word":261,"end_word":275,"sentiment":"positive","sentiment_score":0.5508219599723816},{"text":"Alright. Now can you hear me okay? Yeah. Yeah. I can hear you. Okay. I've got you on a conferencing speaker. Oh, fantastic. I've got got you loud and clear. Just hold the line for a second. I just gotta talk to the door installer for a second. No worries.","start_word":276,"end_word":325,"sentiment":"neutral","sentiment_score":0.09254747182130814},{"text":"Thank you so much.","start_word":326,"end_word":329,"sentiment":"positive","sentiment_score":0.5226100087165833},{"text":"Okay. I'm back. I'm just opening my email now. No worries. Now because it is the first time I've emailed you, it may go to your main inbox or your spam box. So just let me know if you can No. see No. that I've there. got it. Okay?","start_word":330,"end_word":378,"sentiment":"neutral","sentiment_score":0.0005449321470223367},{"text":"Amazing. Amazing. Amazing. I've got some updated advice that Carl was putting together for you as well.","start_word":379,"end_word":395,"sentiment":"positive","sentiment_score":0.4257733225822449},{"text":"So after I talk about these two reports, I just wanted to quickly touch base on the other areas that he was discussing with you, if that's alright? Yep. Okay. Fantastic. So one of the main things that was sort of happening since your discussion, there was a bit of a weaker performance with your NetWell super. So you were doing a bit of a portfolio review to fix up a few of the investments. Does that ring a bell? Yeah. He was saying that we had oh, well, the investment was heavily centered around, I think, Australian equities, and they didn't fare too well in the past year. Yeah. And it was a one investment option in particular, which was Benelong Australian shares, which had significantly underperformed, I guess, the peer group and the Australian market as well. So not only did Australian equities not do too well, but this particular option kind of undershot everybody else in that space. Yeah. And he said most of my a good chunk of my money was in that and wasn't a proper distribution against these types of drops. So that's how he explained it. Yeah. Correct. Because one of the things when it comes to waiting is not having too much in any one asset class or any one sector. Because if you've got a huge amount of your money in one sector, then that's just gonna cause issues if that underperforms.","start_word":396,"end_word":636,"sentiment":"neutral","sentiment_score":-0.1491633951663971},{"text":"It'll drag your whole portfolio down. So even if you got eight options and one of them is overweight, it'll drag everything else down.","start_word":637,"end_word":660,"sentiment":"negative","sentiment_score":-0.37031638622283936},{"text":"Yep. Now what I've got here in the two performance reports, so we actually did make a recent change to your investments. Because Yep. of that issue that was identified with Benelon, we had a discussion with our investment committee, and they decided rather than waiting for the usual process of the advisers updating advice one option at a time, we actually did a sweeping change across everyone invested in Benelon within Yep. Netwealth. Yep. So I've actually sent you two reports. One's from March, one's from April. Yep. So I can see in the April one that you've divested from Bennelong and invested in the beta shares. Correct. So what basically the the difference between the two is the Benelong is more of like a actively managed funds, bit more higher fees to try and outperform the market. The beta shares was just a very simple switch to reduce fees and improve performance while waiting for any pending advice that may be occurring. Yep. Now So in terms of the slightly differences lower in what's risk. yes. So lower risk, it's a bit more follows the market closely. It's not trying to do anything fancy. Now what's kind of happened is from that March period where your portfolio was down about three and a half percent for the year, it's actually had a bit of a 6% swing back into the positive, and now you're back into positive about three and a half, 4% just in the last month. Yep. So as far as I can see across that portfolio, one of the strange things that's kind of happened is your portfolio has also almost rebalanced itself.","start_word":661,"end_word":938,"sentiment":"neutral","sentiment_score":0.1775219589471817},{"text":"Because that option had gone down and all the other options had gone up, you're now actually in a pretty comfortable waiting between Australian shares, international shares, gold, and all those different sectors.","start_word":939,"end_word":971,"sentiment":"positive","sentiment_score":0.3795351982116699},{"text":"Yep. So what I wanted to kind of go through with you today was just making sure that, a, are you sort of comfortable with how this is currently looking compared to when you last spoke with us? Is it are you feeling it's on a bit of an upward trajectory? Do these figures look okay to you? Yeah. The figures are okay paid to me. Right. I expect to do to have good years and bad years. That's all expected. Yeah. Especially being in high growth and and things like that, definitely, that's the the aim of the game. Every seven years, you get the market goes up, something causes it to crash. But in this particular case, it was really just about removing a bad apple and replacing that Yeah. like for like. Yeah. No. That that that's fine. That's all kind of normal processes. I expect to to have good years and bad years. So and I expect you guys to make adjustments as necessary to kind of manage it within the kind of expected gains and losses. 100%. And what we would normally do is upon those reviews, if everything's going well, we may adjust strategy more so than product. If product isn't doing well, then we would look to do replacements and update your advice document. So you've got that in writing about what we're doing moving forward. This was bit of a, again, Okay. licensee decision Just to jump just on hold it quickly. on hold on a moment, Tommy. I just gotta see the the third man off. No worries. Sorry. Call me back now. No worries, Craig.","start_word":972,"end_word":1246,"sentiment":"neutral","sentiment_score":0.06848236918449402},{"text":"Look, I appreciate you mixing me in on your busy day, mate. Thank you so much for that.","start_word":1247,"end_word":1264,"sentiment":"positive","sentiment_score":0.6065847873687744},{"text":"No. That's okay. Didn't expect him at that time. So and I thought you were at 10:00, not 09:00. So Oh, did we that's mess Okay. up the daylight Oh, no. savings? That was me. Perfect. I No take worries. responsibility No worries. for my own mistakes.","start_word":1265,"end_word":1311,"sentiment":"neutral","sentiment_score":-0.023370711132884026},{"text":"Thank you. Appreciate that. Awesome. Awesome.","start_word":1312,"end_word":1317,"sentiment":"positive","sentiment_score":0.6194318532943726},{"text":"So when I'm looking at the the portfolio side of things, if Yep.","start_word":1318,"end_word":1330,"sentiment":"neutral","sentiment_score":0.263844758272171},{"text":"that's all looking pretty good now, I'm pretty much going to send you through an updated advice document just with, I guess, the plan in writing moving forward just so you've got a record of it.","start_word":1331,"end_word":1366,"sentiment":"positive","sentiment_score":0.3742190301418304},{"text":"Yep. Now I just need to briefly confirm your like, the scope of that advice just to make sure that's all still okay because there was a few little things that we were doing in addition to that. Yep. So outside of checking the Netwealth super, we were actually investigating possibly switching super funds, but we only really found one other fund that was just a tiny bit more affordable than the Netwealth with the same investment options. Are you sort of comfortable to kind of keep running with Netwealth as long as it's, you know, affordable, got the right options? Do you want me to investigate that? This this is news to me. That was a bit of a Kyle double checking there wasn't something amazing for you. We always kind of do a bit of a background research just in case. No. It's it's a managed fund, and you guys are managing it. And I would expect there to be fees associated to management and the fact that it's done Yep.","start_word":1367,"end_word":1539,"sentiment":"neutral","sentiment_score":0.0519031397998333},{"text":"Perfect.","start_word":1540,"end_word":1540,"sentiment":"positive","sentiment_score":0.3752514719963074},{"text":"With this the way. scoping, So so besides reviewing the portfolio, he did make a couple of notes about the estate planning side of things just as a reminder to try and get the the will and power of attorney sorted. And I believe we were trying to organize some beneficiary nominations as well to have your spouse double checked on both the super and the life insurance. Does that ring a bell? Yes. That is correct because it's currently under her maiden name and not her current name. Yep. So I'm still gonna organize that. And the only other thing that was in there was just to hold on to the insurances that you had with Nios. There was some information that it looked pretty comfortable, so we were just gonna kind of keep that in place and factor in the premiums into the projections.","start_word":1541,"end_word":1686,"sentiment":"neutral","sentiment_score":0.1029216537940992},{"text":"Yep. It's Awesome. expected. Perfect. Perfect. Perfect. Alright.","start_word":1687,"end_word":1694,"sentiment":"positive","sentiment_score":0.6206258535385132},{"text":"And the only other things that we had noted, which was a bit more sort of personal goals that you were managing, was, like, the cash flow and budgeting side. We have noted here that you were gonna use $25,000 to do some renovations, which is, I'm assuming, what you're doing, and just sort of building up some funds for your children. Yes. It's currently We've what got I'm trying to do. a goal noted here to make sure your budgeting's viable for your children's future. Once you've renovated the house and paid down the debt, you might look into doing some personal investments to grow some wealth outside of super. Does that sound about right? Yeah. Yeah. Alright. So diversifying into rental properties. Okay.","start_word":1695,"end_word":1819,"sentiment":"neutral","sentiment_score":0.09830518811941148},{"text":"Great. Great. Great. Great.","start_word":1820,"end_word":1823,"sentiment":"positive","sentiment_score":0.4321664571762085},{"text":"So besides the super insurance and estate planning, you're on top of the budgeting and paying down the debt and then jumping into some properties after that. Was there anything else that you needed to discuss strategy wise or different areas of advice? I could do better at budgeting, but I think that's on me. If you ever want any sort of general tips, man, I'm happy to have a chat with you. Don't know what your sort of structure is there, but if you ever feel like you might need a bit of an ear to listen to or someone to kind of run through things on paper with you, I'm more than happy to do so. No. I I don't actually have a budget. Oh, that that'd help. Absolutely. Yeah. Alright. I just try and make sure that my ins are a a good chunk greater than my outs.","start_word":1824,"end_word":1974,"sentiment":"neutral","sentiment_score":0.140368714928627},{"text":"That's the way. Positive cash flow is always good.","start_word":1975,"end_word":1983,"sentiment":"positive","sentiment_score":0.4594532251358032},{"text":"And you haven't had any significant changes in assets, liabilities, or your occupation the last sort of month or two? No. Not in the last couple of months.","start_word":1984,"end_word":2011,"sentiment":"neutral","sentiment_score":-0.06317252665758133},{"text":"Perfect.","start_word":2012,"end_word":2012,"sentiment":"positive","sentiment_score":0.4133182764053345},{"text":"I think we've got a residential property. You've got a few different offset accounts where you're splitting your cash flow between. Yep. Had about $30 in redraw on the mortgage, which was about 413,000, and you're still a project engineer earning about $1.85. Yep. That's correct. Alright. And married with two dependents. Yes. Unfortunately. Mate, I've got my third on the way in June. Got two sons and a daughter on the way. That's the family capped out, but I'm kind of limping to the finish line. I'll tell you that. Yeah. I just had to get out at two. That's the reasonable That's expensive approach. about.","start_word":2013,"end_word":2119,"sentiment":"neutral","sentiment_score":-0.023852886632084846},{"text":"I'm just the sucker for pain, I hope.","start_word":2120,"end_word":2127,"sentiment":"negative","sentiment_score":-0.4546343386173248},{"text":"Alrighty. Yeah. I can understand that. So what I'm gonna do now, Craig, I'm gonna basically update this document that's in front of me before I send it off to you. Should have it to you early next week so you've got it in writing there. Was there anything else I could help you with before I let you go for the weekend? A million dollars? Winning lottery numbers. I'll send that through to the team, and hopefully, we'll get that emailed to you as well.","start_word":2128,"end_word":2213,"sentiment":"neutral","sentiment_score":0.12483441829681396},{"text":"Perfect. Thank you.","start_word":2214,"end_word":2216,"sentiment":"positive","sentiment_score":0.341677725315094},{"text":"Alright, mate. Anything else I can help with? Did you want any change in the frequency of contact? Any more? No. Once a year or once every two years. However you guys do it is fine by me. Yep. Perfect. Alrighty.","start_word":2217,"end_word":2257,"sentiment":"neutral","sentiment_score":0.07191718369722366},{"text":"Well, mate, I really appreciate you taking the time today in and amongst your day. I hope you have a fantastic weekend. That'll come out to you next week.","start_word":2258,"end_word":2286,"sentiment":"positive","sentiment_score":0.5738348364830017},{"text":"Any questions at all, just text, call, email. You know the drill. Alright.","start_word":2287,"end_word":2299,"sentiment":"neutral","sentiment_score":0.16793073599155134},{"text":"No problem. Thanks, Toby. Thanks, Craig. See you later. Cheers. Bye.","start_word":2300,"end_word":2310,"sentiment":"positive","sentiment_score":0.6575895547866821}],"average":{"sentiment":"neutral","sentiment_score":0.09836639683215805}}}}