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Well, hopefully, I can sort of pick it up for you a little bit, but thank you very much for calling back in, mate. Appreciate that. Awesome. I sent through a updated advice document with some portfolio changes, contribution changes to your email address. Will you have a chance to look onto the document with me today? Yeah. About well, maybe four, five minutes ago. It may go to you the first one may actually go to your spam folder or your main inbox. It's just from Odoo. So the first one may get caught by the filter. Awesome. Now there's two attachments there. One's a statement of advice. One's an appendix. Are you able to open the statement of advice that has that kind of beachfront city logo on the front? The mountains. The mountain is the appendix. Hopefully, the other one's there next to it. There there we go. Perfect. Mate, before I jump into it, this one's a pretty simple advice document updating the investments inside the super for NetWell. Few exciting things I wanted to walk through with you today, but you had a lot of priorities and things going on towards Christmas and afterwards. Do you mind if I just ask you a couple of quick questions for a minute before I jump into it? Cool. I put down a number of, like, cash flow priorities that was kind of building up to contribution recommendations I made. And at the time, you were kind of saving up for a car restoration, paying down the mortgage, and we were only kind of putting a small amount aside for super. Is that still kind of your priority for this year? Perfect. The other thing was you had some CT scans towards the end of next last year. Did you end up getting some results and things like that? Or all good? All clear? Perfect. Because I wanna note that down on file because one of the things that I did was I hunted around for a more affordable insurance policy and couldn't really find anyone that much better in terms of price. But then also with pending scans, you don't wanna kind of put an application through while that's still going on because they just wait until afterwards. So I'm gonna put a flag on your account to keep an eye on it for this year because your your premiums with insurances keep going up. And I reckon sometime towards the end of this year, we'll have to look at it shopping around or trimming it down a little bit. Cool. And the third thing, last one before I jump in, is just the inheritance side of things. Your partner was expecting an inheritance towards the end of last year, and you were gonna kind of pay off the mortgage with it. Did that eventually yeah. Cool. So everything that I've got in this document should be pretty well current. Some of the figures might be a little bit off with the way the market's going with your house and paying off the mortgage a bit, but nothing's really changed since we last spoke. Beautiful. Alright. So if you have a flick through, I'll go through the key points with you. So if you go through to page three slash four on that system, you'll see a heading scope of advice. And I'm wondering if all the text is easily visible for the screen that you're using. Cool. So you can see scope of advice considered there. Yep. So the main thing that we were focusing on was reviewing the investments inside the super and looking at the impact a little bit of salary sacrifice would do. The overarching goal for you was kind of a bit of a retirement goal towards 67, but as much earlier as possible as well. We did a review of the insurances, which, again, we've kind of already kind of discussed the outcome a little bit. And the only other thing was just with estate planning. I just wanted to make sure you had, like, the will and the power of attorney and everything kind of in place. So I'll put in a little bit of a reminder in this document as well. Cool. As far as what we didn't give advice on for this document, that's on the next one, page five and six, what's not getting a recommendation. And that's mainly just around, like, cash flow and debt because, obviously, you have those priorities. You're putting away that savings. You've got those cash flow priorities. I'm not gonna give you budgeting advice at the moment, and you weren't kind of looking for that. Retirement analysis, that's the only thing that I've kind of just pushed back a little bit because, obviously, if we're retiring fifteen to twenty years from now, I can't give you, like, an accurate assessment right now because so many things are gonna change in a decade or two. Still factored in, of course, and go, okay. If you're gonna build up x amount in super, how is that looking for retirement? But what I'm saying is when you get closer, we can actually do a full analysis that shows how long the money is gonna last. Cool? That's about it. So if you skip through page six, we've got a limited advice warning. Obviously, we're not giving advice on everything. If the information we've got is incorrect, that may impact what's in the document. Cool. Now can you have a look at page seven and eight for me just briefly? It's an about you section with a few of the details that we had from last year, And I bumped your income up to a 100,000 based on our most recent chat where you had a bit of a bump up on the income, but with bonuses, you may have been getting a bit higher than that. Is that still pretty well the case? Yep. Perfect. And still with Reece Plumbing. Yep. Alright. Married, two dependents, phone number and email address are there. I have the home valued at 850,000 with about $2.70 owing, but, obviously, that's probably changed a bit the last four to six months. And you may be looking at just paying that off soon as well. Cool. Any other significant assets or liabilities different from what I've got in there? Beautiful. Your super and insurances are on page nine. Your risk profile is on page 10. We did a questionnaire a little while back where you kinda scored pretty balanced, like, middle of the road in risk level. You were already in a growth four out of five, and we agreed to kind of keep you at a growth four out of five. So we weren't increasing your risk, but we weren't decreasing it either. We were just trying to review some of the investments inside your super. Yeah. Now if you go through the recommendations on page 12 under the heading strategy recommendations. Now the main thing that we're doing so when I'm updating your portfolio, the main one that I flagged during your review was this Benelong Australian shares option, which had been underperforming, and we wanted to get rid of that. It was kind of a little bit broken. Everything else was kind of doing pretty good, but I wanted to just update not just that one option, but I've updated pretty much the whole portfolio for you. Now what we've replaced it with is because Benelongs and active fund tries to outperform the market, I've replaced it with another active fund, little bit cheaper on the fees, much better performance over short and long term. So one year, three year, five year, and ten year, all kind of blew it out of the water, and I wanna just get that portion of your Subaru back in line with everybody else and the other options that you've got. One of the really interesting things happened over Christmas. Have you kind of seen what was happening to the super and the stock market since all of the the war in Iran and all that kind of thing was popping up? So all that's really happened is the last couple of months, stock market's taken a bit of a dip, even including some of the really good performing stuff like the gold gold funds, silver, and so on. One of the really interesting things that happened to your super was because of that Benelon option had kind of broke. No contributions were going into it as the market was going down, which is really good. It means your contributions weren't buying into it as it was going down. What that's done is it's actually pulled up quite a bit of cash sitting in your account that hasn't been affected by the markets. And now because the markets are down, as we rebalance all these options into the new ones, we can get all that cash into the investments now. So by that one option kind of breaking, it's actually protected your super where 15 percent of super hasn't been touched. That's kind of a bit of a monopoly $200 in your favor from pass and go. Does that make sense? Cool? It does list out pros and cons of what I'm recommending and basically lower fees, better performance. The cons of that is anytime we switch investments in super, you pay a little bit of tax inside super under the hood, and I have to factor that in to make sure we don't cause too much like capital gains tax on your super. It's something that if you're in your old funds, you wouldn't notice it because it all happens under the hood. We've just got a bit more control over what we buy and sell. K? If you flick through there, there's a big, big table on page fourteen, fifteen with a lot of red text on it. I just wanna show you a couple of quick things on there if you can find that investment table for me. Cool. So the top one, Bennelong concentrated equities, that was the problem one that we wanted to sell out of. The other options that are in the red are the ones that I'm kind of updating and replacing. And then underneath them, you'll be able to see the health care Australia 200, all of them in that are only in black. And on the next page, the main ones I wanted to point out, on that next page, you'll see at the top of the table, Alfiniti. That's your Benelon replacement. And then you've got a bit of a we've given you an allocation to gold as well, which you didn't previously have. Yeah. So gold's been doing fantastic. It was up, like, 500% the last year. Obviously, it's coming back down a little bit, but pretty good to have a bit of we call it an alternative asset. It's not shares. It's not property. It gives you a bit more diversification, a bit more returns outside of the stock market. Cool. So that's the portfolio in the colored pie chart on page 16. This is how it's gonna kind of look. There's a lot of red because we're going pretty heavy still into international shares, a little bit more than the Aussie side. You've still got some defensive. You've still got some fixed interest and some safer assets. But can you see that table underneath the pie chart where it's got asset allocation? Basically, you being in growth, that four out of five, you've gotta be around 80% growth assets. That's like your shares, property, and gold. We didn't wanna bump you up to high growth, which is 90 to a 100%. When you get close to retirement, we trim you down seventy, sixty, 50, 40 so that when you're 65, you're not losing half your super from a stock market crash. K? The only thing of note is if you look at the bottom third of that table, you'll see in the existing column, cash, 16.87% currently existing, and we've proposed 1% in the recommended table. So that's basically that was all that cash that had pulled up, and we're putting most of it into some fixed interest, which is like safe stuff, term deposits, bonds, gets you good it gets you more than cash, but it's not like risking on the stock market. Cool. So we're getting your funds invested, getting them moving, but we're not increasing your risk. Cool. A bit of a fee comparison on the next page. It shows you a table there where we factored in that capital gains tax. You do save just under a thousand dollars. It almost halves your investment fees with the options that we're updating you to. Performance difference at the bottom, you can see going backwards five years, your current pool was sitting at about eight to 9%, and the new one's kinda looking 12 to 13% per annum. K? So that's the difference in the portfolio performance going backwards. Obviously, you never know what's gonna happen going forward, but we're just saying in the same scenario, there was a big projection update. Please take that on the next page with just a little bit of a grain of salt. You can see there a five and ten year projection going from 378,000 to 616,000 over the next ten years. That's provided that we still do get some really high double digit returns like the market just keeps going up long term. Benchmark for growth is nine to 10%. We've been averaging 12 to 14. That's great. If it continues, it's gonna have a huge difference. But what I'm saying is when I calculate your your retirement, I go pretty conservative with the figures. This is just based on those returns, though. K? The main main difference between them in that table just underneath it, there's a real big consistency difference between the two. You can see that your current Netwealth one, it kind of bounces between 5% for one year, 12 for three years, back down to eight for five years, whereas the one we're setting you up in has just been consistent, one, three, five, and ten. That's kind of what I want for you, Super, at the moment is whatever's going on in the world, it's obviously gonna go up and down quite a bit, but at least consistent short and long term will get you there. Cool. That's pretty much it for the super side of things except for some contributions. Any questions on what we're doing with the investments? Cool. One thing that we mentioned before during the review was that we didn't want to take on more risk to get you to a comfortable retirement and also just to offset premiums because, obviously, insurance premiums come out of the super is we were talking about doing $400 a month of salary sacrifice into the super. So you put in 400 a month. It costs you about 300 after the tax differences. On your cash flow at the time, it was more than affordable. Just double checking that you're still okay to put that in place if you haven't already done so. Yep. It's really just as simple as telling payroll to put in that much per month, and they will do it as they calculate your normal super contributions. They'll split it into two, but they can just bump it up when they shoot it through their accounting side of things. Some employers make you fill out like a one page form. And if you need any details, we can send you an SGC form, but they've already got it. They're already paying in. It's just a matter of them getting the tick from you to bump it up a little bit. Cool. There's a bit of a tax table underneath that just shows you if you put in a 4,800 a year salary sacrifice, it drops your taxable income down by that much, and you get taxed on what's left over. So the impact to your, I guess, your take home pay is basically 77,000 versus 74,000. So it impacted just over $3 a year by putting in just under 5. Cool. Outside of that, it's got the pros and cons of putting money into super, which again, super's taxed at 15%. You have to compound and get the returns there, but the consequence of doing that is that you're putting money in that's getting locked away. So as long as you're not sacrificing your goal to do the car restoration and pay off the mortgage, as long as what you're putting in, you can afford to wait until '60, '65 to access. Is that alright? Cool. That's pretty much it for the advice, mate. I've put in there a strategy after that just saying to keep your Neos insurances in place with your life, your t your income protection. I really wanna keep a very close eye on this one because, again, my ideal situation is to find something one to two thousand dollars cheaper for you. But at the time, there's nothing that we can really replace it with just yet, but it wouldn't hurt to check it again in six months' time. K? The only thing I couldn't quite recall was obviously, when we had the health, we were talking about blood pressure at the time. You were having the scans and everything. I don't believe you've got smokers' rights. You've been a nonsmoker the entire time or just the last sort of twelve to eighteen months? I was just gonna ask you when it comes to, like, nicotine products, cigarettes vaping, have you been a nonsmoker the entire, like, say, three, five, ten years, or is have you kind of recently quit the last year or so? Yep. Perfect. Perfect. I just couldn't see on here. Normally, I've got a note for whether the smokers rates or not, and, really, the pricing just comes down to age more than anything. Again, if you get that like, let's say the inheritance pays off the mortgage, you probably don't need a million dollars worth of life and TPD insurance. So if that happens, I would probably look to trim that down a little bit and do a bit of shopping around as well. The only thing to factor in is because of, like, the blood pressure, the scans that you had done, is you would have to send away a pre assessment where they get a doctor's report just to check everything to make sure they're not gonna give you an exclusion or a loading or any bad terms. So I don't wanna try and switch your policy to save you some money, but then they put in there that you can't claim on this, that, and the other. Does that make sense? So what I'm kind of doing for you is I'm giving you a bit of a dedicated adviser as well as myself to kind of keep an eye on your file. And when we get to that next review point, we'll give you a call and talk about whether the inheritance has happened, whether we found any better insurers out there, and then we can look at updating it. Do you have any worries with what's there at the moment or anything that's kind of pressing that you really wanna sort of jump onto this now again? Or Yep. K. Again, every year it changes, and anytime we do switch it, there's pro rata refunds, and there's a policy anniversary that'll happen each year. If we notice another big jump up, we'll probably have to have another chat about it. But, again, I really just wanna see how the super gets through the next six to twelve months because market's going crazy. I wanna see on the other tail end of this once it settles down how well it grows after that. Again, we just wanna keep the fees, like, reasonable and not have insurance to send you back with if the super is doing well. Cool. Mate, there's a bit of a reminder for the wills and power of attorney. One thing I mentioned to you last year for estate planning is that you can get will kits from the post office for $25. You can get an appointment with the the public trustee of the state, and a bit of information I sent through to you on that. Is that something you wanna get done this year probably before you jump to go talk to a solicitor? Might be worth. Yeah. So hang on. You're in Griffith, New South Wales. Yeah. So the public trustee for New South Wales, you know, the courts and everything, they do set up wills the same as as a solicitor would. And, again, there's the post office as well. So unless things get really complicated with family and different assets and joint ownership and all the rest of it, if it's pretty simple, you could probably just talk to the trustee or go through the post office. Again, you can talk to a lawyer if you want, but, again, it's kind of how long is a piece of string with those guys. Yep. Is there any information I can give you to kind of help out here, or is it really just about finding the time? Yeah. I know exactly what you mean. No. That's alright. Look. It's one of those things that every every review, we touch on it just as a reminder. Our next person you speak to, whether it's me or my colleague, we'll just remind you, hey. Look. Have you got that in place? Have you sorted that? Do you need any help? And, yeah, up to you. Cool. Everything else, we've got all of the ongoing fees are factored into the projections, commissions, all that kind of thing. Implementation table all the way down on page 34. Basically, we need your consent to switch the investments. Once you tick the go ahead here, we'll make the changes. Just talk to your employer about the salary sacrifice, 400 a month before tax. If you need any details, let us know, and the team can shoot through some more documents with payment details on there, but they already have it. Cool, mate. That's pretty much it. Any questions for me? Cool. This Odoo sign, because we went into the attachment, it does have a link that'll bring you through, like, the digital signing for the SOA. It's literally just the one authority to proceed to sign off on, and then our team can pretty much hop on and switch everything around on that well. Yeah. That's right. So I attach it so you can read through it with me, but then that link will just pull you through to the spots to do the old squiggle or type the name in. Oh, sorry. No. So not on the document itself, on the email body. So you should have got an email with those as attachments, and the email will have one of those blue links. When you get through to the end of it, it'll actually give you a pop up saying whether you wanna save a signed copy to your own records as well. Yeah. Usually, with those digital sign ones, you either scroll right down to the bottom or you click, like, the next button, and it'll pull you down. Yeah. And when you go click to start, it'll probably ask you for your consent to use electronic signature. You know, it's usually your privacy privacy pop ups. Yeah. Perfect. And, again, if you get that pop up just to download a copy for yourself, I'll just have a quick refresh, see if it's come through on my end. Yeah. Yeah. Yep. That's come through to us as well. Thank you for that, Grant. Awesome, mate. Any questions for me before I let you go? Awesome, dude. You have a fantastic week. I'll send you a bit of a message just with a heads up when the next review will be. And, again, we'll just touch on the change of circumstances and insurances. In the meantime, you can talk to your employer about the contributions. We'll get the investment switched, and we're good to go. Awesome. Have a fantastic week, mate. Cheers. 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afternoon, mister Harris. Tell me here, mate. How you been? Living the dream. It's been a fantastic start to the week.\n\nWhat about your end? Not as good. Well, hopefully, I can sort of pick it up for you a little bit, but thank you very much for calling back in, mate. Appreciate that. Awesome.\n\nI sent through a updated advice document with some portfolio changes, contribution changes to your email address. Will you have a chance to look onto the document with me today? Yeah. About well, maybe four, five minutes ago. It may go to you the first one may actually go to your spam folder or your main inbox.\n\nIt's just from Odoo. So the first one may get caught by the filter. Awesome. Now there's two attachments there. One's a statement of advice.\n\nOne's an appendix. Are you able to open the statement of advice that has that kind of beachfront city logo on the front? The mountains. The mountain is the appendix. Hopefully, the other one's there next to it.\n\nThere there we go. Perfect. Mate, before I jump into it, this one's a pretty simple advice document updating the investments inside the super for NetWell. Few exciting things I wanted to walk through with you today, but you had a lot of priorities and things going on towards Christmas and afterwards. Do you mind if I just ask you a couple of quick questions for a minute before I jump into it?\n\nCool. I put down a number of, like, cash flow priorities that was kind of building up to contribution recommendations I made. And at the time, you were kind of saving up for a car restoration, paying down the mortgage, and we were only kind of putting a small amount aside for super. Is that still kind of your priority for this year? Perfect.\n\nThe other thing was you had some CT scans towards the end of next last year. Did you end up getting some results and things like that? Or all good? All clear? Perfect.\n\nBecause I wanna note that down on file because one of the things that I did was I hunted around for a more affordable insurance policy and couldn't really find anyone that much better in terms of price. But then also with pending scans, you don't wanna kind of put an application through while that's still going on because they just wait until afterwards. So I'm gonna put a flag on your account to keep an eye on it for this year because your your premiums with insurances keep going up. And I reckon sometime towards the end of this year, we'll have to look at it shopping around or trimming it down a little bit. Cool.\n\nAnd the third thing, last one before I jump in, is just the inheritance side of things. Your partner was expecting an inheritance towards the end of last year, and you were gonna kind of pay off the mortgage with it. Did that eventually yeah. Cool. So everything that I've got in this document should be pretty well current.\n\nSome of the figures might be a little bit off with the way the market's going with your house and paying off the mortgage a bit, but nothing's really changed since we last spoke. Beautiful. Alright. So if you have a flick through, I'll go through the key points with you. So if you go through to page three slash four on that system, you'll see a heading scope of advice.\n\nAnd I'm wondering if all the text is easily visible for the screen that you're using. Cool. So you can see scope of advice considered there. Yep. So the main thing that we were focusing on was reviewing the investments inside the super and looking at the impact a little bit of salary sacrifice would do.\n\nThe overarching goal for you was kind of a bit of a retirement goal towards 67, but as much earlier as possible as well. We did a review of the insurances, which, again, we've kind of already kind of discussed the outcome a little bit. And the only other thing was just with estate planning. I just wanted to make sure you had, like, the will and the power of attorney and everything kind of in place. So I'll put in a little bit of a reminder in this document as well.\n\nCool. As far as what we didn't give advice on for this document, that's on the next one, page five and six, what's not getting a recommendation. And that's mainly just around, like, cash flow and debt because, obviously, you have those priorities. You're putting away that savings. You've got those cash flow priorities.\n\nI'm not gonna give you budgeting advice at the moment, and you weren't kind of looking for that. Retirement analysis, that's the only thing that I've kind of just pushed back a little bit because, obviously, if we're retiring fifteen to twenty years from now, I can't give you, like, an accurate assessment right now because so many things are gonna change in a decade or two. Still factored in, of course, and go, okay. If you're gonna build up x amount in super, how is that looking for retirement? But what I'm saying is when you get closer, we can actually do a full analysis that shows how long the money is gonna last.\n\nCool? That's about it. So if you skip through page six, we've got a limited advice warning. Obviously, we're not giving advice on everything. If the information we've got is incorrect, that may impact what's in the document.\n\nCool. Now can you have a look at page seven and eight for me just briefly? It's an about you section with a few of the details that we had from last year, And I bumped your income up to a 100,000 based on our most recent chat where you had a bit of a bump up on the income, but with bonuses, you may have been getting a bit higher than that. Is that still pretty well the case? Yep.\n\nPerfect. And still with Reece Plumbing. Yep. Alright. Married, two dependents, phone number and email address are there.\n\nI have the home valued at 850,000 with about $2.70 owing, but, obviously, that's probably changed a bit the last four to six months. And you may be looking at just paying that off soon as well. Cool. Any other significant assets or liabilities different from what I've got in there? Beautiful.\n\nYour super and insurances are on page nine. Your risk profile is on page 10. We did a questionnaire a little while back where you kinda scored pretty balanced, like, middle of the road in risk level. You were already in a growth four out of five, and we agreed to kind of keep you at a growth four out of five. So we weren't increasing your risk, but we weren't decreasing it either.\n\nWe were just trying to review some of the investments inside your super. Yeah. Now if you go through the recommendations on page 12 under the heading strategy recommendations. Now the main thing that we're doing so when I'm updating your portfolio, the main one that I flagged during your review was this Benelong Australian shares option, which had been underperforming, and we wanted to get rid of that. It was kind of a little bit broken.\n\nEverything else was kind of doing pretty good, but I wanted to just update not just that one option, but I've updated pretty much the whole portfolio for you. Now what we've replaced it with is because Benelongs and active fund tries to outperform the market, I've replaced it with another active fund, little bit cheaper on the fees, much better performance over short and long term. So one year, three year, five year, and ten year, all kind of blew it out of the water, and I wanna just get that portion of your Subaru back in line with everybody else and the other options that you've got. One of the really interesting things happened over Christmas. Have you kind of seen what was happening to the super and the stock market since all of the the war in Iran and all that kind of thing was popping up?\n\nSo all that's really happened is the last couple of months, stock market's taken a bit of a dip, even including some of the really good performing stuff like the gold gold funds, silver, and so on. One of the really interesting things that happened to your super was because of that Benelon option had kind of broke. No contributions were going into it as the market was going down, which is really good. It means your contributions weren't buying into it as it was going down. What that's done is it's actually pulled up quite a bit of cash sitting in your account that hasn't been affected by the markets.\n\nAnd now because the markets are down, as we rebalance all these options into the new ones, we can get all that cash into the investments now. So by that one option kind of breaking, it's actually protected your super where 15 percent of super hasn't been touched. That's kind of a bit of a monopoly $200 in your favor from pass and go. Does that make sense? Cool?\n\nIt does list out pros and cons of what I'm recommending and basically lower fees, better performance. The cons of that is anytime we switch investments in super, you pay a little bit of tax inside super under the hood, and I have to factor that in to make sure we don't cause too much like capital gains tax on your super. It's something that if you're in your old funds, you wouldn't notice it because it all happens under the hood. We've just got a bit more control over what we buy and sell. K?\n\nIf you flick through there, there's a big, big table on page fourteen, fifteen with a lot of red text on it. I just wanna show you a couple of quick things on there if you can find that investment table for me. Cool. So the top one, Bennelong concentrated equities, that was the problem one that we wanted to sell out of. The other options that are in the red are the ones that I'm kind of updating and replacing.\n\nAnd then underneath them, you'll be able to see the health care Australia 200, all of them in that are only in black. And on the next page, the main ones I wanted to point out, on that next page, you'll see at the top of the table, Alfiniti. That's your Benelon replacement. And then you've got a bit of a we've given you an allocation to gold as well, which you didn't previously have. Yeah.\n\nSo gold's been doing fantastic. It was up, like, 500% the last year. Obviously, it's coming back down a little bit, but pretty good to have a bit of we call it an alternative asset. It's not shares. It's not property.\n\nIt gives you a bit more diversification, a bit more returns outside of the stock market. Cool. So that's the portfolio in the colored pie chart on page 16. This is how it's gonna kind of look. There's a lot of red because we're going pretty heavy still into international shares, a little bit more than the Aussie side.\n\nYou've still got some defensive. You've still got some fixed interest and some safer assets. But can you see that table underneath the pie chart where it's got asset allocation? Basically, you being in growth, that four out of five, you've gotta be around 80% growth assets. That's like your shares, property, and gold.\n\nWe didn't wanna bump you up to high growth, which is 90 to a 100%. When you get close to retirement, we trim you down seventy, sixty, 50, 40 so that when you're 65, you're not losing half your super from a stock market crash. K? The only thing of note is if you look at the bottom third of that table, you'll see in the existing column, cash, 16.87% currently existing, and we've proposed 1% in the recommended table. So that's basically that was all that cash that had pulled up, and we're putting most of it into some fixed interest, which is like safe stuff, term deposits, bonds, gets you good it gets you more than cash, but it's not like risking on the stock market.\n\nCool. So we're getting your funds invested, getting them moving, but we're not increasing your risk. Cool. A bit of a fee comparison on the next page. It shows you a table there where we factored in that capital gains tax.\n\nYou do save just under a thousand dollars. It almost halves your investment fees with the options that we're updating you to. Performance difference at the bottom, you can see going backwards five years, your current pool was sitting at about eight to 9%, and the new one's kinda looking 12 to 13% per annum. K? So that's the difference in the portfolio performance going backwards.\n\nObviously, you never know what's gonna happen going forward, but we're just saying in the same scenario, there was a big projection update. Please take that on the next page with just a little bit of a grain of salt. You can see there a five and ten year projection going from 378,000 to 616,000 over the next ten years. That's provided that we still do get some really high double digit returns like the market just keeps going up long term. Benchmark for growth is nine to 10%.\n\nWe've been averaging 12 to 14. That's great. If it continues, it's gonna have a huge difference. But what I'm saying is when I calculate your your retirement, I go pretty conservative with the figures. This is just based on those returns, though.\n\nK? The main main difference between them in that table just underneath it, there's a real big consistency difference between the two. You can see that your current Netwealth one, it kind of bounces between 5% for one year, 12 for three years, back down to eight for five years, whereas the one we're setting you up in has just been consistent, one, three, five, and ten. That's kind of what I want for you, Super, at the moment is whatever's going on in the world, it's obviously gonna go up and down quite a bit, but at least consistent short and long term will get you there. Cool.\n\nThat's pretty much it for the super side of things except for some contributions. Any questions on what we're doing with the investments? Cool. One thing that we mentioned before during the review was that we didn't want to take on more risk to get you to a comfortable retirement and also just to offset premiums because, obviously, insurance premiums come out of the super is we were talking about doing $400 a month of salary sacrifice into the super. So you put in 400 a month.\n\nIt costs you about 300 after the tax differences. On your cash flow at the time, it was more than affordable. Just double checking that you're still okay to put that in place if you haven't already done so. Yep. It's really just as simple as telling payroll to put in that much per month, and they will do it as they calculate your normal super contributions.\n\nThey'll split it into two, but they can just bump it up when they shoot it through their accounting side of things. Some employers make you fill out like a one page form. And if you need any details, we can send you an SGC form, but they've already got it. They're already paying in. It's just a matter of them getting the tick from you to bump it up a little bit.\n\nCool. There's a bit of a tax table underneath that just shows you if you put in a 4,800 a year salary sacrifice, it drops your taxable income down by that much, and you get taxed on what's left over. So the impact to your, I guess, your take home pay is basically 77,000 versus 74,000. So it impacted just over $3 a year by putting in just under 5. Cool.\n\nOutside of that, it's got the pros and cons of putting money into super, which again, super's taxed at 15%. You have to compound and get the returns there, but the consequence of doing that is that you're putting money in that's getting locked away. So as long as you're not sacrificing your goal to do the car restoration and pay off the mortgage, as long as what you're putting in, you can afford to wait until '60, '65 to access. Is that alright? Cool.\n\nThat's pretty much it for the advice, mate. I've put in there a strategy after that just saying to keep your Neos insurances in place with your life, your t your income protection. I really wanna keep a very close eye on this one because, again, my ideal situation is to find something one to two thousand dollars cheaper for you. But at the time, there's nothing that we can really replace it with just yet, but it wouldn't hurt to check it again in six months' time. K?\n\nThe only thing I couldn't quite recall was obviously, when we had the health, we were talking about blood pressure at the time. You were having the scans and everything. I don't believe you've got smokers' rights. You've been a nonsmoker the entire time or just the last sort of twelve to eighteen months? I was just gonna ask you when it comes to, like, nicotine products, cigarettes vaping, have you been a nonsmoker the entire, like, say, three, five, ten years, or is have you kind of recently quit the last year or so?\n\nYep. Perfect. Perfect. I just couldn't see on here. Normally, I've got a note for whether the smokers rates or not, and, really, the pricing just comes down to age more than anything.\n\nAgain, if you get that like, let's say the inheritance pays off the mortgage, you probably don't need a million dollars worth of life and TPD insurance. So if that happens, I would probably look to trim that down a little bit and do a bit of shopping around as well. The only thing to factor in is because of, like, the blood pressure, the scans that you had done, is you would have to send away a pre assessment where they get a doctor's report just to check everything to make sure they're not gonna give you an exclusion or a loading or any bad terms. So I don't wanna try and switch your policy to save you some money, but then they put in there that you can't claim on this, that, and the other. Does that make sense?\n\nSo what I'm kind of doing for you is I'm giving you a bit of a dedicated adviser as well as myself to kind of keep an eye on your file. And when we get to that next review point, we'll give you a call and talk about whether the inheritance has happened, whether we found any better insurers out there, and then we can look at updating it. Do you have any worries with what's there at the moment or anything that's kind of pressing that you really wanna sort of jump onto this now again? Or Yep. K.\n\nAgain, every year it changes, and anytime we do switch it, there's pro rata refunds, and there's a policy anniversary that'll happen each year. If we notice another big jump up, we'll probably have to have another chat about it. But, again, I really just wanna see how the super gets through the next six to twelve months because market's going crazy. I wanna see on the other tail end of this once it settles down how well it grows after that. Again, we just wanna keep the fees, like, reasonable and not have insurance to send you back with if the super is doing well.\n\nCool. Mate, there's a bit of a reminder for the wills and power of attorney. One thing I mentioned to you last year for estate planning is that you can get will kits from the post office for $25. You can get an appointment with the the public trustee of the state, and a bit of information I sent through to you on that. Is that something you wanna get done this year probably before you jump to go talk to a solicitor?\n\nMight be worth. Yeah. So hang on. You're in Griffith, New South Wales. Yeah.\n\nSo the public trustee for New South Wales, you know, the courts and everything, they do set up wills the same as as a solicitor would. And, again, there's the post office as well. So unless things get really complicated with family and different assets and joint ownership and all the rest of it, if it's pretty simple, you could probably just talk to the trustee or go through the post office. Again, you can talk to a lawyer if you want, but, again, it's kind of how long is a piece of string with those guys. Yep.\n\nIs there any information I can give you to kind of help out here, or is it really just about finding the time? Yeah. I know exactly what you mean. No. That's alright.\n\nLook. It's one of those things that every every review, we touch on it just as a reminder. Our next person you speak to, whether it's me or my colleague, we'll just remind you, hey. Look. Have you got that in place?\n\nHave you sorted that? Do you need any help? And, yeah, up to you. Cool. Everything else, we've got all of the ongoing fees are factored into the projections, commissions, all that kind of thing.\n\nImplementation table all the way down on page 34. Basically, we need your consent to switch the investments. Once you tick the go ahead here, we'll make the changes. Just talk to your employer about the salary sacrifice, 400 a month before tax. If you need any details, let us know, and the team can shoot through some more documents with payment details on there, but they already have it.\n\nCool, mate. That's pretty much it. Any questions for me? Cool. This Odoo sign, because we went into the attachment, it does have a link that'll bring you through, like, the digital signing for the SOA.\n\nIt's literally just the one authority to proceed to sign off on, and then our team can pretty much hop on and switch everything around on that well. Yeah. That's right. So I attach it so you can read through it with me, but then that link will just pull you through to the spots to do the old squiggle or type the name in. Oh, sorry.\n\nNo. So not on the document itself, on the email body. So you should have got an email with those as attachments, and the email will have one of those blue links. When you get through to the end of it, it'll actually give you a pop up saying whether you wanna save a signed copy to your own records as well. Yeah.\n\nUsually, with those digital sign ones, you either scroll right down to the bottom or you click, like, the next button, and it'll pull you down. Yeah. And when you go click to start, it'll probably ask you for your consent to use electronic signature. You know, it's usually your privacy privacy pop ups. Yeah.\n\nPerfect. And, again, if you get that pop up just to download a copy for yourself, I'll just have a quick refresh, see if it's come through on my end. Yeah. Yeah. Yep.\n\nThat's come through to us as well. Thank you for that, Grant. Awesome, mate. Any questions for me before I let you go? Awesome, dude.\n\nYou have a fantastic week. I'll send you a bit of a message just with a heads up when the next review will be. And, again, we'll just touch on the change of circumstances and insurances. In the meantime, you can talk to your employer about the contributions. We'll get the investment switched, and we're good to go.\n\nAwesome. Have a fantastic week, mate. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, mister Harris.","start":1.92,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.25257133692502975},{"text":"Tell me here, mate.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.16877911984920502},{"text":"How you been?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.14021556079387665},{"text":"Living the dream.","start":7.3599997,"end":8.08,"sentiment":"positive","sentiment_score":0.5923763513565063},{"text":"It's been a fantastic start to the week.","start":8.08,"end":10.0,"sentiment":"positive","sentiment_score":0.8003605157136917}],"sentiment":"positive","sentiment_score":0.46754825860261917,"num_words":22,"start":1.92,"end":10.0},{"sentences":[{"text":"What about your end?","start":10.0,"end":11.139999,"sentiment":"neutral","sentiment_score":0.16826621443033218},{"text":"Not as good.","start":15.8550005,"end":16.415,"sentiment":"neutral","sentiment_score":-0.2746826112270355},{"text":"Well, hopefully, I can sort of pick it up for you a little bit, but thank you very much for calling back in, mate.","start":16.415,"end":20.975,"sentiment":"neutral","sentiment_score":0.2857092440438767},{"text":"Appreciate that.","start":20.975,"end":21.955,"sentiment":"positive","sentiment_score":0.41096943616867065},{"text":"Awesome.","start":23.375,"end":23.875,"sentiment":"neutral","sentiment_score":0.31458038091659546}],"sentiment":"neutral","sentiment_score":0.23066347453962355,"num_words":34,"start":10.0,"end":23.875},{"sentences":[{"text":"I sent through a updated advice document with some portfolio changes, contribution changes to your email address.","start":24.31,"end":32.33,"sentiment":"neutral","sentiment_score":0.13584209978580475},{"text":"Will you have a chance to look onto the document with me today?","start":32.39,"end":35.69,"sentiment":"neutral","sentiment_score":0.09988698936425723},{"text":"Yeah.","start":41.045002,"end":41.445,"sentiment":"neutral","sentiment_score":0.005525997839868069},{"text":"About well, maybe four, five minutes ago.","start":41.445,"end":44.185,"sentiment":"neutral","sentiment_score":-0.014770787874502795},{"text":"It may go to you the first one may actually go to your spam folder or your main inbox.","start":44.725,"end":49.845,"sentiment":"neutral","sentiment_score":-0.03094384927106531}],"sentiment":"neutral","sentiment_score":0.05126392815196723,"num_words":57,"start":24.31,"end":49.845},{"sentences":[{"text":"It's just from Odoo.","start":49.845,"end":51.065002,"sentiment":"neutral","sentiment_score":-0.014147742884233594},{"text":"So the first one may get caught by the filter.","start":51.579998,"end":54.16,"sentiment":"neutral","sentiment_score":-0.07531509585678578},{"text":"Awesome.","start":60.94,"end":61.44,"sentiment":"neutral","sentiment_score":0.13757580518722534},{"text":"Now there's two attachments there.","start":62.539997,"end":64.14,"sentiment":"neutral","sentiment_score":0.05027123764157295},{"text":"One's a statement of advice.","start":64.14,"end":65.5,"sentiment":"neutral","sentiment_score":0.045420049130916594}],"sentiment":"neutral","sentiment_score":-0.007748387642204761,"num_words":25,"start":49.845,"end":65.5},{"sentences":[{"text":"One's an appendix.","start":65.5,"end":66.284996,"sentiment":"neutral","sentiment_score":0.039042008419831596},{"text":"Are you able to open the statement of advice that has that kind of beachfront city logo on the front?","start":66.284996,"end":71.424995,"sentiment":"neutral","sentiment_score":0.039266612660139796},{"text":"The mountains.","start":77.805,"end":78.445,"sentiment":"neutral","sentiment_score":-0.019238753244280815},{"text":"The mountain is the appendix.","start":78.445,"end":79.985,"sentiment":"neutral","sentiment_score":0.007591766305267811},{"text":"Hopefully, the other one's there next to it.","start":80.71,"end":85.03,"sentiment":"neutral","sentiment_score":0.015428565384354442}],"sentiment":"neutral","sentiment_score":0.02698337175197115,"num_words":38,"start":65.5,"end":85.03},{"sentences":[{"text":"There there we go.","start":85.03,"end":85.909996,"sentiment":"neutral","sentiment_score":0.056585670448839664},{"text":"Perfect.","start":85.909996,"end":86.409996,"sentiment":"neutral","sentiment_score":0.2366925477981567},{"text":"Mate, before I jump into it, this one's a pretty simple advice document updating the investments inside the super for NetWell.","start":86.71,"end":94.17,"sentiment":"neutral","sentiment_score":0.09823934290380705},{"text":"Few exciting things I wanted to walk through with you today, but you had a lot of priorities and things going on towards Christmas and afterwards.","start":95.215,"end":102.835,"sentiment":"neutral","sentiment_score":0.04689178587152408},{"text":"Do you mind if I just ask you a couple of quick questions for a minute before I jump into it?","start":103.055,"end":106.92,"sentiment":"neutral","sentiment_score":0.05224971987661861}],"sentiment":"neutral","sentiment_score":0.06633550658413809,"num_words":73,"start":85.03,"end":106.92},{"sentences":[{"text":"Cool.","start":108.52,"end":109.02,"sentiment":"neutral","sentiment_score":0.11132404208183289},{"text":"I put down a number of, like, cash flow priorities that was kind of building up to contribution recommendations I made.","start":109.56,"end":117.159996,"sentiment":"neutral","sentiment_score":0.06491636999306225},{"text":"And at the time, you were kind of saving up for a car restoration, paying down the mortgage, and we were only kind of putting a small amount aside for super.","start":117.159996,"end":125.065,"sentiment":"neutral","sentiment_score":0.06772797680910557},{"text":"Is that still kind of your priority for this year?","start":125.205,"end":127.705,"sentiment":"neutral","sentiment_score":0.08650760054588318},{"text":"Perfect.","start":132.005,"end":132.505,"sentiment":"positive","sentiment_score":0.6171913743019104}],"sentiment":"neutral","sentiment_score":0.0790062886371743,"num_words":64,"start":108.52,"end":132.505},{"sentences":[{"text":"The other thing was you had some CT scans towards the end of next last year.","start":133.125,"end":138.5,"sentiment":"neutral","sentiment_score":0.12191793438978493},{"text":"Did you end up getting some results and things like that?","start":138.56,"end":141.12,"sentiment":"neutral","sentiment_score":0.1130161237987605},{"text":"Or all good?","start":141.12,"end":144.64,"sentiment":"neutral","sentiment_score":0.29002516468365985},{"text":"All clear?","start":144.64,"end":145.38,"sentiment":"neutral","sentiment_score":0.21331094950437546},{"text":"Perfect.","start":146.72,"end":147.04,"sentiment":"positive","sentiment_score":0.5234230756759644}],"sentiment":"neutral","sentiment_score":0.15193893275026119,"num_words":33,"start":133.125,"end":147.04},{"sentences":[{"text":"Because I wanna note that down on file because one of the things that I did was I hunted around for a more affordable insurance policy and couldn't really find anyone that much better in terms of price.","start":147.04,"end":158.845,"sentiment":"neutral","sentiment_score":0.16903160257559074},{"text":"But then also with pending scans, you don't wanna kind of put an application through while that's still going on because they just wait until afterwards.","start":158.845,"end":166.43,"sentiment":"neutral","sentiment_score":0.029106083827523086},{"text":"So I'm gonna put a flag on your account to keep an eye on it for this year because your your premiums with insurances keep going up.","start":168.25,"end":174.82999,"sentiment":"neutral","sentiment_score":0.11527557960814899},{"text":"And I reckon sometime towards the end of this year, we'll have to look at it shopping around or trimming it down a little bit.","start":174.96999,"end":181.405,"sentiment":"neutral","sentiment_score":-0.02174189195036888},{"text":"Cool.","start":183.065,"end":183.565,"sentiment":"neutral","sentiment_score":0.22013196349143985}],"sentiment":"neutral","sentiment_score":0.08520499479948965,"num_words":117,"start":147.04,"end":183.565},{"sentences":[{"text":"And the third thing, last one before I jump in, is just the inheritance side of things.","start":183.785,"end":187.785,"sentiment":"neutral","sentiment_score":0.04828559048473835},{"text":"Your partner was expecting an inheritance towards the end of last year, and you were gonna kind of pay off the mortgage with it.","start":187.785,"end":193.66,"sentiment":"neutral","sentiment_score":0.011108491647367677},{"text":"Did that eventually yeah.","start":193.66,"end":199.82,"sentiment":"neutral","sentiment_score":0.019688069354742765},{"text":"Cool.","start":199.82,"end":200.14,"sentiment":"neutral","sentiment_score":0.29421842098236084},{"text":"So everything that I've got in this document should be pretty well current.","start":200.14,"end":203.36,"sentiment":"neutral","sentiment_score":0.31760692596435547}],"sentiment":"neutral","sentiment_score":0.09473423006297169,"num_words":59,"start":183.785,"end":203.36},{"sentences":[{"text":"Some of the figures might be a little bit off with the way the market's going with your house and paying off the mortgage a bit, but nothing's really changed since we last spoke.","start":204.085,"end":212.345,"sentiment":"neutral","sentiment_score":-0.010085284997544745},{"text":"Beautiful.","start":214.085,"end":214.585,"sentiment":"positive","sentiment_score":0.41695713996887207},{"text":"Alright.","start":214.725,"end":215.125,"sentiment":"neutral","sentiment_score":0.268383651971817},{"text":"So if you have a flick through, I'll go through the key points with you.","start":215.125,"end":219.145,"sentiment":"neutral","sentiment_score":0.11007766326268514},{"text":"So if you go through to page three slash four on that system, you'll see a heading scope of advice.","start":219.23,"end":226.20999,"sentiment":"neutral","sentiment_score":0.0707283454015851}],"sentiment":"neutral","sentiment_score":0.048002436042199254,"num_words":71,"start":204.085,"end":226.20999},{"sentences":[{"text":"And I'm wondering if all the text is easily visible for the screen that you're using.","start":236.20499,"end":242.70499,"sentiment":"neutral","sentiment_score":0.013155174092389643},{"text":"Cool.","start":247.81999,"end":248.14,"sentiment":"neutral","sentiment_score":0.23321682214736936},{"text":"So you can see scope of advice considered there.","start":248.14,"end":250.56,"sentiment":"neutral","sentiment_score":0.11920078843832016},{"text":"Yep.","start":252.85999,"end":253.26,"sentiment":"neutral","sentiment_score":0.13353778421878815},{"text":"So the main thing that we were focusing on was reviewing the investments inside the super and looking at the impact a little bit of salary sacrifice would do.","start":253.26,"end":261.195,"sentiment":"neutral","sentiment_score":0.14316370312509866}],"sentiment":"neutral","sentiment_score":0.10360342640030597,"num_words":56,"start":236.20499,"end":261.195},{"sentences":[{"text":"The overarching goal for you was kind of a bit of a retirement goal towards 67, but as much earlier as possible as well.","start":261.575,"end":269.115,"sentiment":"positive","sentiment_score":0.3708249355355899},{"text":"We did a review of the insurances, which, again, we've kind of already kind of discussed the outcome a little bit.","start":271.61002,"end":276.67,"sentiment":"neutral","sentiment_score":0.28103189454192207},{"text":"And the only other thing was just with estate planning.","start":276.73,"end":279.71,"sentiment":"neutral","sentiment_score":0.12554968968033792},{"text":"I just wanted to make sure you had, like, the will and the power of attorney and everything kind of in place.","start":279.77002,"end":284.83002,"sentiment":"neutral","sentiment_score":0.17181448096578772},{"text":"So I'll put in a little bit of a reminder in this document as well.","start":284.97498,"end":288.19498,"sentiment":"neutral","sentiment_score":0.11521373291810354}],"sentiment":"neutral","sentiment_score":0.23440314902235632,"num_words":92,"start":261.575,"end":288.19498},{"sentences":[{"text":"Cool.","start":290.655,"end":291.155,"sentiment":"positive","sentiment_score":0.3812849521636963},{"text":"As far as what we didn't give advice on for this document, that's on the next one, page five and six, what's not getting a recommendation.","start":291.29498,"end":297.875,"sentiment":"negative","sentiment_score":-0.3452089592241324},{"text":"And that's mainly just around, like, cash flow and debt because, obviously, you have those priorities.","start":298.4,"end":302.9,"sentiment":"negative","sentiment_score":-0.3906189911067486},{"text":"You're putting away that savings.","start":303.2,"end":304.98,"sentiment":"negative","sentiment_score":-0.4930045783519745},{"text":"You've got those cash flow priorities.","start":305.68,"end":307.2,"sentiment":"negative","sentiment_score":-0.4155385146538417}],"sentiment":"negative","sentiment_score":-0.36670936713064156,"num_words":54,"start":290.655,"end":307.2},{"sentences":[{"text":"I'm not gonna give you budgeting advice at the moment, and you weren't kind of looking for that.","start":307.2,"end":311.175,"sentiment":"negative","sentiment_score":-0.51068148513635},{"text":"Retirement analysis, that's the only thing that I've kind of just pushed back a little bit because, obviously, if we're retiring fifteen to twenty years from now, I can't give you, like, an accurate assessment right now because so many things are gonna change in a decade or two.","start":313.655,"end":327.41998,"sentiment":"neutral","sentiment_score":-0.25590575136700455},{"text":"Still factored in, of course, and go, okay.","start":329.08,"end":330.75998,"sentiment":"neutral","sentiment_score":0.054755200166255236},{"text":"If you're gonna build up x amount in super, how is that looking for retirement?","start":330.75998,"end":334.28,"sentiment":"neutral","sentiment_score":0.07990920295317967},{"text":"But what I'm saying is when you get closer, we can actually do a full analysis that shows how long the money is gonna last.","start":334.28,"end":340.685,"sentiment":"neutral","sentiment_score":0.054045874476432804}],"sentiment":"neutral","sentiment_score":-0.16298975688607797,"num_words":115,"start":307.2,"end":340.685},{"sentences":[{"text":"Cool?","start":342.585,"end":343.085,"sentiment":"neutral","sentiment_score":0.2209675759077072},{"text":"That's about it.","start":343.625,"end":344.425,"sentiment":"neutral","sentiment_score":-0.0824139912923177},{"text":"So if you skip through page six, we've got a limited advice warning.","start":344.425,"end":348.285,"sentiment":"neutral","sentiment_score":-0.276532402405372},{"text":"Obviously, we're not giving advice on everything.","start":348.585,"end":350.44498,"sentiment":"negative","sentiment_score":-0.3584217429161072},{"text":"If the information we've got is incorrect, that may impact what's in the document.","start":350.64,"end":354.90002,"sentiment":"negative","sentiment_score":-0.3747473188808986}],"sentiment":"neutral","sentiment_score":-0.29938448142064245,"num_words":38,"start":342.585,"end":354.90002},{"sentences":[{"text":"Cool.","start":357.76,"end":358.08002,"sentiment":"neutral","sentiment_score":0.18111325800418857},{"text":"Now can you have a look at page seven and eight for me just briefly?","start":358.08002,"end":360.74002,"sentiment":"neutral","sentiment_score":0.0825260596970717},{"text":"It's an about you section with a few of the details that we had from last year, And I bumped your income up to a 100,000 based on our most recent chat where you had a bit of a bump up on the income, but with bonuses, you may have been getting a bit higher than that.","start":360.96002,"end":376.395,"sentiment":"neutral","sentiment_score":0.0787797177439196},{"text":"Is that still pretty well the case?","start":376.455,"end":378.315,"sentiment":"neutral","sentiment_score":0.11936595610209874},{"text":"Yep.","start":382.07,"end":382.57,"sentiment":"neutral","sentiment_score":0.055096834897994995}],"sentiment":"neutral","sentiment_score":0.08395193324044899,"num_words":81,"start":357.76,"end":382.57},{"sentences":[{"text":"Perfect.","start":383.91,"end":384.39,"sentiment":"positive","sentiment_score":0.4857395589351654},{"text":"And still with Reece Plumbing.","start":384.39,"end":385.85,"sentiment":"neutral","sentiment_score":0.15542566627264023},{"text":"Yep.","start":387.43002,"end":387.93002,"sentiment":"neutral","sentiment_score":0.09954284876585008},{"text":"Alright.","start":388.15002,"end":388.55002,"sentiment":"neutral","sentiment_score":0.12462591379880904},{"text":"Married, two dependents, phone number and email address are there.","start":388.55002,"end":392.205,"sentiment":"neutral","sentiment_score":0.05355586931109428}],"sentiment":"neutral","sentiment_score":0.11236640810966492,"num_words":18,"start":383.91,"end":392.205},{"sentences":[{"text":"I have the home valued at 850,000 with about $2.70 owing, but, obviously, that's probably changed a bit the last four to six months.","start":392.205,"end":400.305,"sentiment":"neutral","sentiment_score":0.005106682142165179},{"text":"And you may be looking at just paying that off soon as well.","start":400.44498,"end":403.745,"sentiment":"neutral","sentiment_score":0.027210612423144855},{"text":"Cool.","start":405.82,"end":406.22,"sentiment":"neutral","sentiment_score":0.09055808186531068},{"text":"Any other significant assets or liabilities different from what I've got in there?","start":406.22,"end":410.08,"sentiment":"neutral","sentiment_score":0.009377046685236005},{"text":"Beautiful.","start":412.14,"end":412.64,"sentiment":"neutral","sentiment_score":0.18256378173828125}],"sentiment":"neutral","sentiment_score":0.016756188527394373,"num_words":52,"start":392.205,"end":412.64},{"sentences":[{"text":"Your super and insurances are on page nine.","start":413.18,"end":415.84,"sentiment":"neutral","sentiment_score":0.09625426214188337},{"text":"Your risk profile is on page 10.","start":416.14,"end":418.8,"sentiment":"neutral","sentiment_score":0.03412726681147303},{"text":"We did a questionnaire a little while back where you kinda scored pretty balanced, like, middle of the road in risk level.","start":419.465,"end":426.525,"sentiment":"neutral","sentiment_score":0.04662555879489942},{"text":"You were already in a growth four out of five, and we agreed to kind of keep you at a growth four out of five.","start":426.745,"end":432.78,"sentiment":"neutral","sentiment_score":0.0706046037375927},{"text":"So we weren't increasing your risk, but we weren't decreasing it either.","start":432.94,"end":437.9,"sentiment":"neutral","sentiment_score":-0.05057668484126528}],"sentiment":"neutral","sentiment_score":0.0431470558601054,"num_words":74,"start":413.18,"end":437.9},{"sentences":[{"text":"We were just trying to review some of the investments inside your super.","start":437.9,"end":441.52,"sentiment":"neutral","sentiment_score":-0.019838362788924806},{"text":"Yeah.","start":442.78,"end":443.28,"sentiment":"neutral","sentiment_score":0.023816533386707302},{"text":"Now if you go through the recommendations on page 12 under the heading strategy recommendations.","start":443.58,"end":449.625,"sentiment":"neutral","sentiment_score":0.023178510864575706},{"text":"Now the main thing that we're doing so when I'm updating your portfolio, the main one that I flagged during your review was this Benelong Australian shares option, which had been underperforming, and we wanted to get rid of that.","start":453.445,"end":465.33002,"sentiment":"neutral","sentiment_score":-0.152916466165334},{"text":"It was kind of a little bit broken.","start":465.33002,"end":467.01,"sentiment":"neutral","sentiment_score":-0.30046649277210236}],"sentiment":"neutral","sentiment_score":-0.10917915725572543,"num_words":77,"start":437.9,"end":467.01},{"sentences":[{"text":"Everything else was kind of doing pretty good, but I wanted to just update not just that one option, but I've updated pretty much the whole portfolio for you.","start":467.01,"end":474.825,"sentiment":"neutral","sentiment_score":0.07947033618030877},{"text":"Now what we've replaced it with is because Benelongs and active fund tries to outperform the market, I've replaced it with another active fund, little bit cheaper on the fees, much better performance over short and long term.","start":476.825,"end":490.44,"sentiment":"positive","sentiment_score":0.4120096552528833},{"text":"So one year, three year, five year, and ten year, all kind of blew it out of the water, and I wanna just get that portion of your Subaru back in line with everybody else and the other options that you've got.","start":490.6,"end":502.22,"sentiment":"positive","sentiment_score":0.3939328779067312},{"text":"One of the really interesting things happened over Christmas.","start":503.81497,"end":506.775,"sentiment":"neutral","sentiment_score":0.020866674267583422},{"text":"Have you kind of seen what was happening to the super and the stock market since all of the the war in Iran and all that kind of thing was popping up?","start":506.775,"end":514.71497,"sentiment":"neutral","sentiment_score":-0.09461887844372541}],"sentiment":"neutral","sentiment_score":0.21110788986086845,"num_words":150,"start":467.01,"end":514.71497},{"sentences":[{"text":"So all that's really happened is the last couple of months, stock market's taken a bit of a dip, even including some of the really good performing stuff like the gold gold funds, silver, and so on.","start":518.05005,"end":529.20496,"sentiment":"neutral","sentiment_score":-0.15385840138470805},{"text":"One of the really interesting things that happened to your super was because of that Benelon option had kind of broke.","start":530.225,"end":536.165,"sentiment":"neutral","sentiment_score":-0.07122784001486641},{"text":"No contributions were going into it as the market was going down, which is really good.","start":536.865,"end":541.26495,"sentiment":"neutral","sentiment_score":-0.13948083389550447},{"text":"It means your contributions weren't buying into it as it was going down.","start":541.26495,"end":545.12,"sentiment":"neutral","sentiment_score":-0.1637812784084907},{"text":"What that's done is it's actually pulled up quite a bit of cash sitting in your account that hasn't been affected by the markets.","start":547.33997,"end":553.44,"sentiment":"neutral","sentiment_score":-0.003458306503792604}],"sentiment":"neutral","sentiment_score":-0.1047963496331159,"num_words":111,"start":518.05005,"end":553.44},{"sentences":[{"text":"And now because the markets are down, as we rebalance all these options into the new ones, we can get all that cash into the investments now.","start":553.66,"end":561.645,"sentiment":"neutral","sentiment_score":0.06920672194273383},{"text":"So by that one option kind of breaking, it's actually protected your super where 15 percent of super hasn't been touched.","start":563.54504,"end":570.125,"sentiment":"neutral","sentiment_score":0.016287657920093762},{"text":"That's kind of a bit of a monopoly $200 in your favor from pass and go.","start":571.66,"end":577.74,"sentiment":"neutral","sentiment_score":-0.11233645444735885},{"text":"Does that make sense?","start":577.74,"end":578.72,"sentiment":"neutral","sentiment_score":0.019625372253358364},{"text":"Cool?","start":580.38,"end":580.88,"sentiment":"positive","sentiment_score":0.3361000418663025}],"sentiment":"neutral","sentiment_score":0.011997689398518507,"num_words":69,"start":553.66,"end":580.88},{"sentences":[{"text":"It does list out pros and cons of what I'm recommending and basically lower fees, better performance.","start":581.33997,"end":586.46497,"sentiment":"neutral","sentiment_score":0.18757430748904452},{"text":"The cons of that is anytime we switch investments in super, you pay a little bit of tax inside super under the hood, and I have to factor that in to make sure we don't cause too much like capital gains tax on your super.","start":586.925,"end":600.75,"sentiment":"neutral","sentiment_score":-0.20242363065481186},{"text":"It's something that if you're in your old funds, you wouldn't notice it because it all happens under the hood.","start":601.95,"end":606.11,"sentiment":"neutral","sentiment_score":0.16848944798111914},{"text":"We've just got a bit more control over what we buy and sell.","start":606.11,"end":609.09,"sentiment":"neutral","sentiment_score":0.24723352262606987},{"text":"K?","start":610.99,"end":611.49,"sentiment":"neutral","sentiment_score":0.03425261378288269}],"sentiment":"neutral","sentiment_score":0.007268512660327057,"num_words":96,"start":581.33997,"end":611.49},{"sentences":[{"text":"If you flick through there, there's a big, big table on page fourteen, fifteen with a lot of red text on it.","start":611.87,"end":617.625,"sentiment":"neutral","sentiment_score":0.07114824855869467},{"text":"I just wanna show you a couple of quick things on there if you can find that investment table for me.","start":617.685,"end":623.225,"sentiment":"neutral","sentiment_score":0.07825918247302373},{"text":"Cool.","start":624.725,"end":625.225,"sentiment":"positive","sentiment_score":0.3393622040748596},{"text":"So the top one, Bennelong concentrated equities, that was the problem one that we wanted to sell out of.","start":625.285,"end":630.66,"sentiment":"neutral","sentiment_score":0.01051040856461776},{"text":"The other options that are in the red are the ones that I'm kind of updating and replacing.","start":630.74,"end":635.24,"sentiment":"neutral","sentiment_score":0.04551694459385342}],"sentiment":"neutral","sentiment_score":0.05638357123107086,"num_words":81,"start":611.87,"end":635.24},{"sentences":[{"text":"And then underneath them, you'll be able to see the health care Australia 200, all of them in that are only in black.","start":637.22,"end":644.44,"sentiment":"neutral","sentiment_score":0.06633055906580843},{"text":"And on the next page, the main ones I wanted to point out, on that next page, you'll see at the top of the table, Alfiniti.","start":645.465,"end":652.525,"sentiment":"neutral","sentiment_score":0.11223063646600796},{"text":"That's your Benelon replacement.","start":652.985,"end":654.525,"sentiment":"neutral","sentiment_score":0.16037927940487862},{"text":"And then you've got a bit of a we've given you an allocation to gold as well, which you didn't previously have.","start":655.065,"end":660.48,"sentiment":"neutral","sentiment_score":0.10398395274850455},{"text":"Yeah.","start":662.88,"end":663.12,"sentiment":"neutral","sentiment_score":0.2349935621023178}],"sentiment":"neutral","sentiment_score":0.10010206640550964,"num_words":76,"start":637.22,"end":663.12},{"sentences":[{"text":"So gold's been doing fantastic.","start":663.12,"end":664.48,"sentiment":"positive","sentiment_score":0.5224635660648346},{"text":"It was up, like, 500% the last year.","start":664.48,"end":667.94,"sentiment":"positive","sentiment_score":0.5132776126265526},{"text":"Obviously, it's coming back down a little bit, but pretty good to have a bit of we call it an alternative asset.","start":668.48,"end":674.18,"sentiment":"neutral","sentiment_score":0.2866338999433951},{"text":"It's not shares.","start":674.34503,"end":675.145,"sentiment":"neutral","sentiment_score":0.10973544232547283},{"text":"It's not property.","start":675.145,"end":675.945,"sentiment":"neutral","sentiment_score":0.15265989551941553}],"sentiment":"positive","sentiment_score":0.33687001325916954,"num_words":41,"start":663.12,"end":675.945},{"sentences":[{"text":"It gives you a bit more diversification, a bit more returns outside of the stock market.","start":675.945,"end":680.60504,"sentiment":"neutral","sentiment_score":0.28554773703217506},{"text":"Cool.","start":682.10504,"end":682.60504,"sentiment":"positive","sentiment_score":0.4193984866142273},{"text":"So that's the portfolio in the colored pie chart on page 16.","start":682.905,"end":686.445,"sentiment":"neutral","sentiment_score":0.2421945333480835},{"text":"This is how it's gonna kind of look.","start":686.78,"end":688.56,"sentiment":"neutral","sentiment_score":0.1885334018152207},{"text":"There's a lot of red because we're going pretty heavy still into international shares, a little bit more than the Aussie side.","start":688.62,"end":694.86,"sentiment":"neutral","sentiment_score":-0.038014272397214714}],"sentiment":"neutral","sentiment_score":0.14519406612015376,"num_words":59,"start":675.945,"end":694.86},{"sentences":[{"text":"You've still got some defensive.","start":694.86,"end":696.4,"sentiment":"neutral","sentiment_score":0.06049913913011551},{"text":"You've still got some fixed interest and some safer assets.","start":696.86,"end":699.68,"sentiment":"neutral","sentiment_score":0.1293222200125456},{"text":"But can you see that table underneath the pie chart where it's got asset allocation?","start":699.82,"end":704.21497,"sentiment":"neutral","sentiment_score":0.031191672012209893},{"text":"Basically, you being in growth, that four out of five, you've gotta be around 80% growth assets.","start":706.595,"end":712.295,"sentiment":"neutral","sentiment_score":0.08464768835726906},{"text":"That's like your shares, property, and gold.","start":712.435,"end":714.535,"sentiment":"neutral","sentiment_score":0.12319999826805932}],"sentiment":"neutral","sentiment_score":0.08083340122054021,"num_words":54,"start":694.86,"end":714.535},{"sentences":[{"text":"We didn't wanna bump you up to high growth, which is 90 to a 100%.","start":715.81,"end":719.19,"sentiment":"neutral","sentiment_score":0.09852371960878373},{"text":"When you get close to retirement, we trim you down seventy, sixty, 50, 40 so that when you're 65, you're not losing half your super from a stock market crash.","start":719.57,"end":729.43,"sentiment":"neutral","sentiment_score":0.02279262406130632},{"text":"K?","start":730.995,"end":731.495,"sentiment":"neutral","sentiment_score":0.052957624197006226},{"text":"The only thing of note is if you look at the bottom third of that table, you'll see in the existing column, cash, 16.87% currently existing, and we've proposed 1% in the recommended table.","start":732.27496,"end":747.55,"sentiment":"neutral","sentiment_score":0.036063548506182784},{"text":"So that's basically that was all that cash that had pulled up, and we're putting most of it into some fixed interest, which is like safe stuff, term deposits, bonds, gets you good it gets you more than cash, but it's not like risking on the stock market.","start":749.37,"end":763.325,"sentiment":"neutral","sentiment_score":0.08791228329452376}],"sentiment":"neutral","sentiment_score":0.05984798740246333,"num_words":128,"start":715.81,"end":763.325},{"sentences":[{"text":"Cool.","start":764.985,"end":765.305,"sentiment":"positive","sentiment_score":0.33407342433929443},{"text":"So we're getting your funds invested, getting them moving, but we're not increasing your risk.","start":765.305,"end":769.40497,"sentiment":"neutral","sentiment_score":0.2770088290174802},{"text":"Cool.","start":771.56,"end":772.06,"sentiment":"positive","sentiment_score":0.49301350116729736},{"text":"A bit of a fee comparison on the next page.","start":772.44,"end":775.26,"sentiment":"neutral","sentiment_score":0.21054876446723939},{"text":"It shows you a table there where we factored in that capital gains tax.","start":775.56,"end":779.42,"sentiment":"neutral","sentiment_score":0.20534322091511317}],"sentiment":"neutral","sentiment_score":0.2429880999573847,"num_words":41,"start":764.985,"end":779.42},{"sentences":[{"text":"You do save just under a thousand dollars.","start":780.04,"end":782.84,"sentiment":"positive","sentiment_score":0.3583725355565548},{"text":"It almost halves your investment fees with the options that we're updating you to.","start":782.84,"end":787.445,"sentiment":"neutral","sentiment_score":0.25046526747090475},{"text":"Performance difference at the bottom, you can see going backwards five years, your current pool was sitting at about eight to 9%, and the new one's kinda looking 12 to 13% per annum.","start":789.34503,"end":801.65,"sentiment":"neutral","sentiment_score":0.08623712995287144},{"text":"K?","start":803.47003,"end":803.95,"sentiment":"neutral","sentiment_score":0.01231266837567091},{"text":"So that's the difference in the portfolio performance going backwards.","start":803.95,"end":807.57,"sentiment":"neutral","sentiment_score":0.03363870605826378}],"sentiment":"neutral","sentiment_score":0.14496998555224502,"num_words":66,"start":780.04,"end":807.57},{"sentences":[{"text":"Obviously, you never know what's gonna happen going forward, but we're just saying in the same scenario, there was a big projection update.","start":808.19,"end":820.465,"sentiment":"neutral","sentiment_score":-0.03402576198720414},{"text":"Please take that on the next page with just a little bit of a grain of salt.","start":820.765,"end":824.22504,"sentiment":"neutral","sentiment_score":0.0408780271296992},{"text":"You can see there a five and ten year projection going from 378,000 to 616,000 over the next ten years.","start":824.28503,"end":833.17,"sentiment":"neutral","sentiment_score":0.0766557103022933},{"text":"That's provided that we still do get some really high double digit returns like the market just keeps going up long term.","start":834.91003,"end":841.57,"sentiment":"neutral","sentiment_score":0.25341481681574474},{"text":"Benchmark for growth is nine to 10%.","start":843.045,"end":845.385,"sentiment":"neutral","sentiment_score":0.1862806315932955}],"sentiment":"neutral","sentiment_score":0.09353414081623045,"num_words":89,"start":808.19,"end":845.385},{"sentences":[{"text":"We've been averaging 12 to 14.","start":845.525,"end":847.445,"sentiment":"neutral","sentiment_score":0.1771212120850881},{"text":"That's great.","start":847.445,"end":848.265,"sentiment":"positive","sentiment_score":0.6419695615768433},{"text":"If it continues, it's gonna have a huge difference.","start":848.405,"end":850.805,"sentiment":"neutral","sentiment_score":0.2930515706539154},{"text":"But what I'm saying is when I calculate your your retirement, I go pretty conservative with the figures.","start":850.805,"end":857.21,"sentiment":"neutral","sentiment_score":0.05104517046776083},{"text":"This is just based on those returns, though.","start":857.35004,"end":859.77,"sentiment":"neutral","sentiment_score":0.04323125444352627}],"sentiment":"neutral","sentiment_score":0.14532078222133393,"num_words":43,"start":845.525,"end":859.77},{"sentences":[{"text":"K?","start":861.83,"end":862.33,"sentiment":"neutral","sentiment_score":0.05026973783969879},{"text":"The main main difference between them in that table just underneath it, there's a real big consistency difference between the two.","start":862.79004,"end":869.415,"sentiment":"neutral","sentiment_score":0.0445443783842382},{"text":"You can see that your current Netwealth one, it kind of bounces between 5% for one year, 12 for three years, back down to eight for five years, whereas the one we're setting you up in has just been consistent, one, three, five, and ten.","start":869.975,"end":882.42,"sentiment":"neutral","sentiment_score":0.06200181005729569},{"text":"That's kind of what I want for you, Super, at the moment is whatever's going on in the world, it's obviously gonna go up and down quite a bit, but at least consistent short and long term will get you there.","start":884.89996,"end":894.735,"sentiment":"neutral","sentiment_score":0.0766554548427826},{"text":"Cool.","start":897.21497,"end":897.71497,"sentiment":"neutral","sentiment_score":0.17901837825775146}],"sentiment":"neutral","sentiment_score":0.06511628590182426,"num_words":109,"start":861.83,"end":897.71497},{"sentences":[{"text":"That's pretty much it for the super side of things except for some contributions.","start":897.77496,"end":901.39496,"sentiment":"neutral","sentiment_score":0.19057939308030264},{"text":"Any questions on what we're doing with the investments?","start":901.77496,"end":903.95496,"sentiment":"neutral","sentiment_score":0.05949953322609266},{"text":"Cool.","start":908.67,"end":909.17,"sentiment":"neutral","sentiment_score":0.3165331482887268},{"text":"One thing that we mentioned before during the review was that we didn't want to take on more risk to get you to a comfortable retirement and also just to offset premiums because, obviously, insurance premiums come out of the super is we were talking about doing $400 a month of salary sacrifice into the super.","start":909.71,"end":927.965,"sentiment":"neutral","sentiment_score":0.1653031843847462},{"text":"So you put in 400 a month.","start":928.105,"end":929.625,"sentiment":"neutral","sentiment_score":0.10067987654890333}],"sentiment":"neutral","sentiment_score":0.15496411392914838,"num_words":87,"start":897.77496,"end":929.625},{"sentences":[{"text":"It costs you about 300 after the tax differences.","start":929.625,"end":932.28503,"sentiment":"neutral","sentiment_score":0.12127287354734209},{"text":"On your cash flow at the time, it was more than affordable.","start":933.945,"end":937.08,"sentiment":"positive","sentiment_score":0.34031406169136363},{"text":"Just double checking that you're still okay to put that in place if you haven't already done so.","start":937.08,"end":941.18,"sentiment":"neutral","sentiment_score":0.18592610831061998},{"text":"Yep.","start":944.92004,"end":945.4,"sentiment":"neutral","sentiment_score":0.25384342670440674},{"text":"It's really just as simple as telling payroll to put in that much per month, and they will do it as they calculate your normal super contributions.","start":945.4,"end":955.02496,"sentiment":"neutral","sentiment_score":0.22032379772928026}],"sentiment":"neutral","sentiment_score":0.21976836592848623,"num_words":67,"start":929.625,"end":955.02496},{"sentences":[{"text":"They'll split it into two, but they can just bump it up when they shoot it through their accounting side of things.","start":955.08496,"end":960.38495,"sentiment":"neutral","sentiment_score":0.11464489115910097},{"text":"Some employers make you fill out like a one page form.","start":963.44,"end":966.1,"sentiment":"neutral","sentiment_score":0.08461766249754211},{"text":"And if you need any details, we can send you an SGC form, but they've already got it.","start":966.24,"end":970.48,"sentiment":"neutral","sentiment_score":0.07257189974188805},{"text":"They're already paying in.","start":970.48,"end":971.86,"sentiment":"neutral","sentiment_score":0.10763613879680634},{"text":"It's just a matter of them getting the tick from you to bump it up a little bit.","start":971.92,"end":975.525,"sentiment":"neutral","sentiment_score":0.0740308217290375}],"sentiment":"neutral","sentiment_score":0.08934760869365849,"num_words":73,"start":955.08496,"end":975.525},{"sentences":[{"text":"Cool.","start":977.445,"end":977.945,"sentiment":"positive","sentiment_score":0.4328323602676392},{"text":"There's a bit of a tax table underneath that just shows you if you put in a 4,800 a year salary sacrifice, it drops your taxable income down by that much, and you get taxed on what's left over.","start":978.245,"end":989.385,"sentiment":"neutral","sentiment_score":0.025981451623523846},{"text":"So the impact to your, I guess, your take home pay is basically 77,000 versus 74,000.","start":991.64,"end":1000.2,"sentiment":"neutral","sentiment_score":-0.07431741105392575},{"text":"So it impacted just over $3 a year by putting in just under 5.","start":1000.2,"end":1004.38,"sentiment":"neutral","sentiment_score":-0.11362862853067261},{"text":"Cool.","start":1007.005,"end":1007.505,"sentiment":"neutral","sentiment_score":0.32409894466400146}],"sentiment":"neutral","sentiment_score":-0.01422072476117124,"num_words":71,"start":977.445,"end":1007.505},{"sentences":[{"text":"Outside of that, it's got the pros and cons of putting money into super, which again, super's taxed at 15%.","start":1009.245,"end":1014.945,"sentiment":"neutral","sentiment_score":-0.03160012997686863},{"text":"You have to compound and get the returns there, but the consequence of doing that is that you're putting money in that's getting locked away.","start":1015.885,"end":1022.49,"sentiment":"neutral","sentiment_score":-0.1500385557115078},{"text":"So as long as you're not sacrificing your goal to do the car restoration and pay off the mortgage, as long as what you're putting in, you can afford to wait until '60, '65 to access.","start":1025.03,"end":1035.235,"sentiment":"neutral","sentiment_score":0.11893398231930202},{"text":"Is that alright?","start":1037.455,"end":1038.275,"sentiment":"neutral","sentiment_score":0.11538692067066829},{"text":"Cool.","start":1039.855,"end":1040.355,"sentiment":"positive","sentiment_score":0.527951717376709}],"sentiment":"neutral","sentiment_score":0.009091404124217875,"num_words":85,"start":1009.245,"end":1040.355},{"sentences":[{"text":"That's pretty much it for the advice, mate.","start":1040.815,"end":1042.575,"sentiment":"positive","sentiment_score":0.42420311155728996},{"text":"I've put in there a strategy after that just saying to keep your Neos insurances in place with your life, your t your income protection.","start":1042.575,"end":1049.87,"sentiment":"neutral","sentiment_score":0.27924456596374514},{"text":"I really wanna keep a very close eye on this one because, again, my ideal situation is to find something one to two thousand dollars cheaper for you.","start":1050.33,"end":1059.87,"sentiment":"positive","sentiment_score":0.38054521701165606},{"text":"But at the time, there's nothing that we can really replace it with just yet, but it wouldn't hurt to check it again in six months' time.","start":1060.135,"end":1068.075,"sentiment":"neutral","sentiment_score":-0.04990908669100867},{"text":"K?","start":1070.135,"end":1070.635,"sentiment":"neutral","sentiment_score":-0.006157122552394867}],"sentiment":"neutral","sentiment_score":0.2210820522996482,"num_words":89,"start":1040.815,"end":1070.635},{"sentences":[{"text":"The only thing I couldn't quite recall was obviously, when we had the health, we were talking about blood pressure at the time.","start":1071.095,"end":1078.2799,"sentiment":"neutral","sentiment_score":-0.18099751193886218},{"text":"You were having the scans and everything.","start":1078.2799,"end":1080.14,"sentiment":"neutral","sentiment_score":-0.2851990269763129},{"text":"I don't believe you've got smokers' rights.","start":1080.6799,"end":1086.5399,"sentiment":"negative","sentiment_score":-0.4991587315286909},{"text":"You've been a nonsmoker the entire time or just the last sort of twelve to eighteen months?","start":1087.015,"end":1092.395,"sentiment":"neutral","sentiment_score":-0.22156468735021703},{"text":"I was just gonna ask you when it comes to, like, nicotine products, cigarettes vaping, have you been a nonsmoker the entire, like, say, three, five, ten years, or is have you kind of recently quit the last year or so?","start":1095.895,"end":1107.32,"sentiment":"neutral","sentiment_score":-0.03731553569981238}],"sentiment":"neutral","sentiment_score":-0.15736824981868267,"num_words":95,"start":1071.095,"end":1107.32},{"sentences":[{"text":"Yep.","start":1111.2999,"end":1111.7,"sentiment":"neutral","sentiment_score":0.1287977248430252},{"text":"Perfect.","start":1111.7,"end":1112.0199,"sentiment":"positive","sentiment_score":0.4805803894996643},{"text":"Perfect.","start":1112.0199,"end":1112.4199,"sentiment":"positive","sentiment_score":0.4702237844467163},{"text":"I just couldn't see on here.","start":1112.4199,"end":1113.5399,"sentiment":"neutral","sentiment_score":0.06729721836745739},{"text":"Normally, I've got a note for whether the smokers rates or not, and, really, the pricing just comes down to age more than anything.","start":1113.5399,"end":1120.3351,"sentiment":"neutral","sentiment_score":-0.020453147124499083}],"sentiment":"neutral","sentiment_score":0.030076050848671883,"num_words":33,"start":1111.2999,"end":1120.3351},{"sentences":[{"text":"Again, if you get that like, let's say the inheritance pays off the mortgage, you probably don't need a million dollars worth of life and TPD insurance.","start":1123.1951,"end":1130.015,"sentiment":"neutral","sentiment_score":-0.019284116768243688},{"text":"So if that happens, I would probably look to trim that down a little bit and do a bit of shopping around as well.","start":1130.555,"end":1137.62,"sentiment":"neutral","sentiment_score":0.004555310433109601},{"text":"The only thing to factor in is because of, like, the blood pressure, the scans that you had done, is you would have to send away a pre assessment where they get a doctor's report just to check everything to make sure they're not gonna give you an exclusion or a loading or any bad terms.","start":1140.16,"end":1154.915,"sentiment":"neutral","sentiment_score":-0.038772964176522304},{"text":"So I don't wanna try and switch your policy to save you some money, but then they put in there that you can't claim on this, that, and the other.","start":1154.9751,"end":1163.64,"sentiment":"neutral","sentiment_score":-0.18021674404541652},{"text":"Does that make sense?","start":1163.64,"end":1164.7,"sentiment":"neutral","sentiment_score":0.024639294017106295}],"sentiment":"neutral","sentiment_score":-0.055961523698774954,"num_words":141,"start":1123.1951,"end":1164.7},{"sentences":[{"text":"So what I'm kind of doing for you is I'm giving you a bit of a dedicated adviser as well as myself to kind of keep an eye on your file.","start":1166.0399,"end":1174.94,"sentiment":"neutral","sentiment_score":0.32173948807101094},{"text":"And when we get to that next review point, we'll give you a call and talk about whether the inheritance has happened, whether we found any better insurers out there, and then we can look at updating it.","start":1175.8551,"end":1186.1151,"sentiment":"neutral","sentiment_score":0.15231095607343473},{"text":"Do you have any worries with what's there at the moment or anything that's kind of pressing that you really wanna sort of jump onto this now again?","start":1188.4299,"end":1194.83,"sentiment":"neutral","sentiment_score":-0.04482524110270398},{"text":"Or Yep.","start":1194.83,"end":1200.0449,"sentiment":"neutral","sentiment_score":0.02626849338412285},{"text":"K.","start":1200.0449,"end":1200.5449,"sentiment":"neutral","sentiment_score":0.06605858355760574}],"sentiment":"neutral","sentiment_score":0.14625229280441998,"num_words":100,"start":1166.0399,"end":1200.5449},{"sentences":[{"text":"Again, every year it changes, and anytime we do switch it, there's pro rata refunds, and there's a policy anniversary that'll happen each year.","start":1201.005,"end":1209.725,"sentiment":"neutral","sentiment_score":0.07675325459179778},{"text":"If we notice another big jump up, we'll probably have to have another chat about it.","start":1209.725,"end":1214.145,"sentiment":"neutral","sentiment_score":-0.033089991426095366},{"text":"But, again, I really just wanna see how the super gets through the next six to twelve months because market's going crazy.","start":1214.205,"end":1220.6001,"sentiment":"neutral","sentiment_score":0.09164656783369454},{"text":"I wanna see on the other tail end of this once it settles down how well it grows after that.","start":1221.54,"end":1226.92,"sentiment":"neutral","sentiment_score":0.07995897121727466},{"text":"Again, we just wanna keep the fees, like, reasonable and not have insurance to send you back with if the super is doing well.","start":1228.5149,"end":1234.7749,"sentiment":"neutral","sentiment_score":0.23863121743003526}],"sentiment":"neutral","sentiment_score":0.10052067341880416,"num_words":106,"start":1201.005,"end":1234.7749},{"sentences":[{"text":"Cool.","start":1237.955,"end":1238.455,"sentiment":"neutral","sentiment_score":0.302904337644577},{"text":"Mate, there's a bit of a reminder for the wills and power of attorney.","start":1238.835,"end":1242.42,"sentiment":"neutral","sentiment_score":0.18573518629584992},{"text":"One thing I mentioned to you last year for estate planning is that you can get will kits from the post office for $25.","start":1242.5599,"end":1250.1,"sentiment":"neutral","sentiment_score":0.2262446992099285},{"text":"You can get an appointment with the the public trustee of the state, and a bit of information I sent through to you on that.","start":1250.4,"end":1259.4349,"sentiment":"neutral","sentiment_score":0.25102658867836},{"text":"Is that something you wanna get done this year probably before you jump to go talk to a solicitor?","start":1259.575,"end":1264.715,"sentiment":"neutral","sentiment_score":0.1690249399919259}],"sentiment":"neutral","sentiment_score":0.21470130486301628,"num_words":83,"start":1237.955,"end":1264.715},{"sentences":[{"text":"Might be worth.","start":1265.335,"end":1266.235,"sentiment":"neutral","sentiment_score":0.0844284991423289},{"text":"Yeah.","start":1268.95,"end":1269.4299,"sentiment":"neutral","sentiment_score":0.0386439673602581},{"text":"So hang on.","start":1269.4299,"end":1271.11,"sentiment":"neutral","sentiment_score":0.018069468749066193},{"text":"You're in Griffith, New South Wales.","start":1271.11,"end":1274.87,"sentiment":"neutral","sentiment_score":0.012701364854971567},{"text":"Yeah.","start":1274.87,"end":1275.11,"sentiment":"neutral","sentiment_score":0.035162247717380524}],"sentiment":"neutral","sentiment_score":0.032679164848689525,"num_words":14,"start":1265.335,"end":1275.11},{"sentences":[{"text":"So the public trustee for New South Wales, you know, the courts and everything, they do set up wills the same as as a solicitor would.","start":1275.11,"end":1282.455,"sentiment":"neutral","sentiment_score":0.05237755745362777},{"text":"And, again, there's the post office as well.","start":1282.855,"end":1284.7749,"sentiment":"neutral","sentiment_score":0.03230819758027792},{"text":"So unless things get really complicated with family and different assets and joint ownership and all the rest of it, if it's pretty simple, you could probably just talk to the trustee or go through the post office.","start":1284.7749,"end":1298.9,"sentiment":"neutral","sentiment_score":0.004296731154777501},{"text":"Again, you can talk to a lawyer if you want, but, again, it's kind of how long is a piece of string with those guys.","start":1298.9,"end":1304.28,"sentiment":"neutral","sentiment_score":-0.08637010663747788},{"text":"Yep.","start":1306.18,"end":1306.68,"sentiment":"neutral","sentiment_score":0.07543595135211945}],"sentiment":"neutral","sentiment_score":-0.0030638658802728262,"num_words":98,"start":1275.11,"end":1306.68},{"sentences":[{"text":"Is there any information I can give you to kind of help out here, or is it really just about finding the time?","start":1307.3,"end":1314.155,"sentiment":"neutral","sentiment_score":0.04270447069860023},{"text":"Yeah.","start":1315.215,"end":1315.715,"sentiment":"neutral","sentiment_score":0.01058317068964243},{"text":"I know exactly what you mean.","start":1315.9349,"end":1317.715,"sentiment":"neutral","sentiment_score":-0.008845724475880464},{"text":"No.","start":1318.895,"end":1319.135,"sentiment":"neutral","sentiment_score":-0.05297689884901047},{"text":"That's alright.","start":1319.135,"end":1319.615,"sentiment":"neutral","sentiment_score":-0.020100824534893036}],"sentiment":"neutral","sentiment_score":0.025652518241920254,"num_words":33,"start":1307.3,"end":1319.615},{"sentences":[{"text":"Look.","start":1319.615,"end":1319.775,"sentiment":"neutral","sentiment_score":0.028554752469062805},{"text":"It's one of those things that every every review, we touch on it just as a reminder.","start":1319.775,"end":1323.795,"sentiment":"neutral","sentiment_score":0.038339482072521656},{"text":"Our next person you speak to, whether it's me or my colleague, we'll just remind you, hey.","start":1324.87,"end":1329.11,"sentiment":"neutral","sentiment_score":0.053229071419028676},{"text":"Look.","start":1329.11,"end":1329.35,"sentiment":"neutral","sentiment_score":0.06173010170459747},{"text":"Have you got that in place?","start":1329.35,"end":1330.3099,"sentiment":"neutral","sentiment_score":0.06086226118107637}],"sentiment":"neutral","sentiment_score":0.0479077102527732,"num_words":42,"start":1319.615,"end":1330.3099},{"sentences":[{"text":"Have you sorted that?","start":1330.3099,"end":1331.11,"sentiment":"neutral","sentiment_score":0.032044436782598495},{"text":"Do you need any help?","start":1331.11,"end":1332.25,"sentiment":"neutral","sentiment_score":0.03960688561201096},{"text":"And, yeah, up to you.","start":1332.3099,"end":1334.41,"sentiment":"neutral","sentiment_score":0.05514620095491409},{"text":"Cool.","start":1336.485,"end":1336.985,"sentiment":"neutral","sentiment_score":0.32489317655563354},{"text":"Everything else, we've got all of the ongoing fees are factored into the projections, commissions, all that kind of thing.","start":1337.205,"end":1344.825,"sentiment":"neutral","sentiment_score":0.14466324523091317}],"sentiment":"neutral","sentiment_score":0.10914575031825474,"num_words":35,"start":1330.3099,"end":1344.825},{"sentences":[{"text":"Implementation table all the way down on page 34.","start":1345.125,"end":1348.745,"sentiment":"neutral","sentiment_score":0.08082575599352519},{"text":"Basically, we need your consent to switch the investments.","start":1348.885,"end":1351.465,"sentiment":"neutral","sentiment_score":0.07837265978256862},{"text":"Once you tick the go ahead here, we'll make the changes.","start":1352.4,"end":1355.9401,"sentiment":"neutral","sentiment_score":0.08857282014055685},{"text":"Just talk to your employer about the salary sacrifice, 400 a month before tax.","start":1357.04,"end":1362.1001,"sentiment":"neutral","sentiment_score":0.05488657898136547},{"text":"If you need any details, let us know, and the team can shoot through some more documents with payment details on there, but they already have it.","start":1362.4,"end":1369.6951,"sentiment":"neutral","sentiment_score":0.051022335748981545}],"sentiment":"neutral","sentiment_score":0.06504431334989412,"num_words":70,"start":1345.125,"end":1369.6951},{"sentences":[{"text":"Cool, mate.","start":1372.3151,"end":1372.875,"sentiment":"positive","sentiment_score":0.5582083463668823},{"text":"That's pretty much it.","start":1372.875,"end":1373.915,"sentiment":"positive","sentiment_score":0.4205869138240814},{"text":"Any questions for me?","start":1373.915,"end":1375.215,"sentiment":"neutral","sentiment_score":0.16793674789369106},{"text":"Cool.","start":1378.89,"end":1379.39,"sentiment":"neutral","sentiment_score":0.09218252450227736},{"text":"This Odoo sign, because we went into the attachment, it does have a link that'll bring you through, like, the digital signing for the SOA.","start":1380.0901,"end":1387.4701,"sentiment":"neutral","sentiment_score":0.1455024302005768}],"sentiment":"neutral","sentiment_score":0.20000707275337642,"num_words":36,"start":1372.3151,"end":1387.4701},{"sentences":[{"text":"It's literally just the one authority to proceed to sign off on, and then our team can pretty much hop on and switch everything around on that well.","start":1387.6901,"end":1396.375,"sentiment":"neutral","sentiment_score":0.15551781840622425},{"text":"Yeah.","start":1400.835,"end":1401.075,"sentiment":"neutral","sentiment_score":0.08997103571891785},{"text":"That's right.","start":1401.075,"end":1401.635,"sentiment":"neutral","sentiment_score":0.1568581536412239},{"text":"So I attach it so you can read through it with me, but then that link will just pull you through to the spots to do the old squiggle or type the name in.","start":1401.635,"end":1409.54,"sentiment":"neutral","sentiment_score":0.12416299147640958},{"text":"Oh, sorry.","start":1418.735,"end":1419.535,"sentiment":"neutral","sentiment_score":-0.01912509184330702}],"sentiment":"neutral","sentiment_score":0.13345489231174562,"num_words":67,"start":1387.6901,"end":1419.535},{"sentences":[{"text":"No.","start":1419.535,"end":1419.855,"sentiment":"neutral","sentiment_score":-0.04348231106996536},{"text":"So not on the document itself, on the email body.","start":1419.855,"end":1422.5951,"sentiment":"neutral","sentiment_score":-0.047489058598876},{"text":"So you should have got an email with those as attachments, and the email will have one of those blue links.","start":1422.9751,"end":1427.795,"sentiment":"neutral","sentiment_score":0.021210240421905405},{"text":"When you get through to the end of it, it'll actually give you a pop up saying whether you wanna save a signed copy to your own records as well.","start":1441.79,"end":1449.225,"sentiment":"neutral","sentiment_score":0.14343614565829435},{"text":"Yeah.","start":1455.765,"end":1456.085,"sentiment":"neutral","sentiment_score":0.021759120747447017}],"sentiment":"neutral","sentiment_score":0.06749024829043755,"num_words":63,"start":1419.535,"end":1456.085},{"sentences":[{"text":"Usually, with those digital sign ones, you either scroll right down to the bottom or you click, like, the next button, and it'll pull you down.","start":1456.085,"end":1462.0,"sentiment":"neutral","sentiment_score":0.025197365285398867},{"text":"Yeah.","start":1475.595,"end":1475.9149,"sentiment":"neutral","sentiment_score":0.03442437946796417},{"text":"And when you go click to start, it'll probably ask you for your consent to use electronic signature.","start":1475.9149,"end":1481.0549,"sentiment":"neutral","sentiment_score":0.03129836171865463},{"text":"You know, it's usually your privacy privacy pop ups.","start":1481.355,"end":1484.255,"sentiment":"neutral","sentiment_score":0.026959921129875712},{"text":"Yeah.","start":1488.1,"end":1488.6,"sentiment":"neutral","sentiment_score":0.19790247082710263}],"sentiment":"neutral","sentiment_score":0.030790329978547314,"num_words":55,"start":1456.085,"end":1488.6},{"sentences":[{"text":"Perfect.","start":1511.8099,"end":1512.3099,"sentiment":"positive","sentiment_score":0.6430131793022156},{"text":"And, again, if you get that pop up just to download a copy for yourself, I'll just have a quick refresh, see if it's come through on my end.","start":1512.61,"end":1519.99,"sentiment":"neutral","sentiment_score":0.22709612599734602},{"text":"Yeah.","start":1520.755,"end":1521.255,"sentiment":"neutral","sentiment_score":0.05067324638366699},{"text":"Yeah.","start":1522.6749,"end":1523.075,"sentiment":"neutral","sentiment_score":0.11056216806173325},{"text":"Yep.","start":1523.075,"end":1523.315,"sentiment":"neutral","sentiment_score":0.1637144237756729}],"sentiment":"neutral","sentiment_score":0.22890153549837344,"num_words":33,"start":1511.8099,"end":1523.315},{"sentences":[{"text":"That's come through to us as well.","start":1523.315,"end":1525.155,"sentiment":"neutral","sentiment_score":0.17289676623685019},{"text":"Thank you for that, Grant.","start":1525.155,"end":1526.2949,"sentiment":"positive","sentiment_score":0.7931068658828735},{"text":"Awesome, mate.","start":1528.515,"end":1529.075,"sentiment":"positive","sentiment_score":0.728262335062027},{"text":"Any questions for me before I let you go?","start":1529.075,"end":1531.095,"sentiment":"neutral","sentiment_score":0.29809125595622593},{"text":"Awesome, dude.","start":1533.41,"end":1533.97,"sentiment":"positive","sentiment_score":0.8061948716640472}],"sentiment":"positive","sentiment_score":0.43710189640522,"num_words":25,"start":1523.315,"end":1533.97},{"sentences":[{"text":"You have a fantastic week.","start":1533.97,"end":1535.17,"sentiment":"positive","sentiment_score":0.8054460644721985},{"text":"I'll send you a bit of a message just with a heads up when the next review will be.","start":1535.17,"end":1538.69,"sentiment":"positive","sentiment_score":0.35715721704457937},{"text":"And, again, we'll just touch on the change of circumstances and insurances.","start":1538.69,"end":1542.5499,"sentiment":"neutral","sentiment_score":0.151005228360494},{"text":"In the meantime, you can talk to your employer about the contributions.","start":1542.77,"end":1545.91,"sentiment":"neutral","sentiment_score":0.18356947228312492},{"text":"We'll get the investment switched, and we're good to go.","start":1546.0499,"end":1549.0289,"sentiment":"positive","sentiment_score":0.4467075437307358}],"sentiment":"neutral","sentiment_score":0.3326756774351515,"num_words":58,"start":1533.97,"end":1549.0289},{"sentences":[{"text":"Awesome.","start":1551.6489,"end":1551.969,"sentiment":"positive","sentiment_score":0.7874361276626587},{"text":"Have a fantastic week, mate.","start":1551.969,"end":1553.2489,"sentiment":"positive","sentiment_score":0.7870493650436401},{"text":"Cheers.","start":1553.2489,"end":1553.7489,"sentiment":"positive","sentiment_score":0.6996269226074219},{"text":"Bye.","start":1555.089,"end":1555.589,"sentiment":"neutral","sentiment_score":-0.11041755974292757}],"sentiment":"positive","sentiment_score":0.6639865394681692,"num_words":8,"start":1551.6489,"end":1555.589}]}}]},{"alternatives":[{"transcript":"Not too bad. How are you today? Oh, yeah. Probably not quite that good, but, yeah, not too bad. No worries. When you send that through, just mail? I don't know. I was gonna need to call me. Yep. Yep. No. No. I've got the mountains. This one. Oh, yes. Yes. I I got the Gold Coast. Yep. Yep. Yep. No worries. Yep. Yeah. Now it was all clean like that. Yep. Yeah. Yeah. Right up. Yep. Yep. It's still in actually, in process. It shouldn't be too far away now, but Yes. Yep. That's right. Yep. Yeah. I'll line it here. Yep. It does. What have I done? I lost you. Yep. Alright. Alright. What? Yeah. I've got that. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yeah. You are. Yep. Yeah. Yeah. Yes. Yep. No. Yep. Mhmm. Yeah. At the moment, it is. Yep. Later this year, it will probably change. Yep. Mhmm. Mhmm. That's wrong. Yep. No. Not really. No. Yep. Mhmm. Yep. Yep. Yes. Alright. Yeah. Yep. No. Not really. No. Yep. No. No. No. Yep. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. I heard that. Yep. Oh, yeah. Yep. Yep. Yes. Mhmm. Yep. Yep. Yep. Yeah. Right. Yep. Mhmm. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Oh, yeah. Yep. Mhmm. Yep. Yeah. Yep. Mhmm. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. No. Not really. You know, it's pretty straightforward. Yeah. I haven't done it as yet, but, yeah, I do wanna do it. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. Right. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Mhmm. Yep. Sorry. Got it. Hello? Yeah. Yeah. Yeah. Oh, yeah. No. No. No. He's not probably 15. I don't need something like that. No. Yep. Yeah. You're right. Yeah. Yeah. Mhmm. Yep. Yep. Yeah. No. No. Yeah. Yep. No. No. I don't think so. I think that's fine. Yes. Yep. Mhmm. Yes. They have probably showed I'm probably sure of that. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Pretty much. On the phone to get down there. Yeah. Oh. Yeah. Yep. Yep. Yep. Got it. Yep. Alright. Yep. Mhmm. Yes. Yeah. Yeah. Yep. Not really. Uh-huh. Is that that's that's probably the link on the 30 miles up from the time? So is that on this? One of all the other first one we're looking at on the main Dubai site. Oh, yeah. Right up there. Right up now. Yeah. I got it. Yep. Right up. Yeah. Yep. I'll just found it. Yep. That's pulled up. Mhmm. So it's around on the bottom again. I was seeing the oh, yep. Got it. Yeah. Yep. Click to stop. Yeah. Right. Sign in. Yep. Yep. So it's got my signature. Sign. Think it's done. Validated. It says sliding. No worries. No. All good. Thanks, Tommy. Yep. Sounds good. Alright, mate. See you later. 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too bad. How are you today? Oh, yeah. Probably not quite that good, but, yeah, not too bad. No worries.\n\nWhen you send that through, just mail? I don't know. I was gonna need to call me. Yep. Yep.\n\nNo. No. I've got the mountains. This one. Oh, yes.\n\nYes. I I got the Gold Coast. Yep. Yep. Yep.\n\nNo worries. Yep. Yeah. Now it was all clean like that. Yep.\n\nYeah. Yeah. Right up. Yep. Yep.\n\nIt's still in actually, in process. It shouldn't be too far away now, but Yes. Yep. That's right. Yep.\n\nYeah. I'll line it here. Yep. It does. What have I done?\n\nI lost you. Yep. Alright. Alright. What?\n\nYeah. I've got that. Yep. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYou are. Yep. Yeah. Yeah. Yes.\n\nYep. No. Yep. Mhmm. Yeah.\n\nAt the moment, it is. Yep. Later this year, it will probably change. Yep. Mhmm.\n\nMhmm. That's wrong. Yep. No. Not really.\n\nNo. Yep. Mhmm. Yep. Yep.\n\nYes. Alright. Yeah. Yep. No.\n\nNot really. No. Yep. No. No.\n\nNo. Yep. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYeah. I heard that. Yep. Oh, yeah. Yep.\n\nYep. Yes. Mhmm. Yep. Yep.\n\nYep. Yeah. Right. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yep. Oh, yeah.\n\nYep. Mhmm. Yep. Yeah. Yep.\n\nMhmm. Yes. Yes. Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. Not really.\n\nYou know, it's pretty straightforward. Yeah. I haven't done it as yet, but, yeah, I do wanna do it. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. Right. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. Mhmm. Yep. Sorry. Got it.\n\nHello? Yeah. Yeah. Yeah. Oh, yeah.\n\nNo. No. No. He's not probably 15. I don't need something like that.\n\nNo. Yep. Yeah. You're right. Yeah.\n\nYeah. Mhmm. Yep. Yep. Yeah.\n\nNo. No. Yeah. Yep. No.\n\nNo. I don't think so. I think that's fine. Yes. Yep.\n\nMhmm. Yes. They have probably showed I'm probably sure of that. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. Pretty much.\n\nOn the phone to get down there. Yeah. Oh. Yeah. Yep.\n\nYep. Yep. Got it. Yep. Alright.\n\nYep. Mhmm. Yes. Yeah. Yeah.\n\nYep. Not really. Uh-huh. Is that that's that's probably the link on the 30 miles up from the time? So is that on this?\n\nOne of all the other first one we're looking at on the main Dubai site. Oh, yeah. Right up there. Right up now. Yeah.\n\nI got it. Yep. Right up. Yeah. Yep.\n\nI'll just found it. Yep. That's pulled up. Mhmm. So it's around on the bottom again.\n\nI was seeing the oh, yep. Got it. Yeah. Yep. Click to stop.\n\nYeah. Right. Sign in. Yep. Yep.\n\nSo it's got my signature. Sign. Think it's done. Validated. It says sliding.\n\nNo worries. No. All good. Thanks, Tommy. Yep.\n\nSounds good. Alright, mate. See you later. 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Tell me here, mate. How you been?\n\nChannel 1: Not too bad. How are you today?\n\nChannel 0: Living the dream. It's been a fantastic start to the week. What about your end?\n\nChannel 1: Oh, yeah. Probably not quite that good, but, yeah, not too bad.\n\nChannel 0: Not as good. Well, hopefully, I can sort of pick it up for you a little bit, but thank you very much for calling back in, mate. Appreciate that.\n\nChannel 1: No worries.\n\nChannel 0: Awesome. I sent through a updated advice document with some portfolio changes, contribution changes to your email address. Will you have a chance to look onto the document with me today?\n\nChannel 1: When you send that through, just mail?\n\nChannel 0: Yeah. About well, maybe four, five minutes ago. It may go to you the first one may actually go to your spam folder or your main inbox. It's just from Odoo. So the first one may get caught by the filter.\n\nChannel 1: I don't know. I was gonna need to call me. Yep. Yep.\n\nChannel 0: Awesome. Now there's two attachments there. One's a statement of advice. One's an appendix. Are you able to open the statement of advice that has that kind of beachfront city logo on the front?\n\nChannel 1: No. No. I've got the mountains.\n\nChannel 0: The mountains.\n\nChannel 1: This one.\n\nChannel 0: The mountain is the appendix. Hopefully, the other one's\n\nChannel 1: Oh, yes.\n\nChannel 0: there next\n\nChannel 1: Yes.\n\nChannel 0: to\n\nChannel 1: I I got the Gold Coast. Yep.\n\nChannel 0: it. There there we go. Perfect. Mate, before I jump into it, this one's a pretty simple advice document updating the investments inside the super for NetWell. Few exciting things I wanted to walk through with you today, but you had a lot of priorities and things going on towards Christmas and afterwards.\n\nDo you mind if I just ask you a couple of quick questions for a minute before I jump into it? Cool. I put down a number of, like, cash flow priorities that was kind of building up to contribution recommendations I made. And at the time, you were kind of saving up for a car restoration, paying down the mortgage, and we were only kind of putting a small amount aside for super. Is that still\n\nChannel 1: Yep.\n\nChannel 0: kind of your priority for this year?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. The other thing was you had some CT scans towards the end of next last year. Did you end\n\nChannel 1: Yep.\n\nChannel 0: up getting some results and things like that?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: Now it was all clean like that.\n\nChannel 0: all good? All clear?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Because I wanna note that down on file because one of the things that I did was I hunted around for a more affordable insurance policy and couldn't really find anyone that much better in terms of price. But then also with pending scans, you don't wanna kind of put an application through while that's still going on because they just wait until afterwards. So I'm gonna put a flag on your account to keep an eye on it for this year because your your premiums with insurances keep going up. And I reckon sometime\n\nChannel 1: Yeah.\n\nChannel 0: towards the end of this year, we'll have to look at it shopping around or trimming it down a little bit.\n\nChannel 1: Yeah. Right up. Yep. Yep.\n\nChannel 0: Cool. And the third thing, last one before I jump in, is just the inheritance side of things. Your partner was expecting an inheritance towards the end of last year, and you were gonna kind of pay off the mortgage with it. Did that eventually\n\nChannel 1: It's still in actually, in process. It shouldn't be too far away now, but\n\nChannel 0: yeah. Cool. So everything that I've got in this document should be pretty well current. Some of the figures might be a little bit off with the way the market's going with your house and paying off the mortgage a bit, but nothing's really changed since we last spoke.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: That's\n\nChannel 0: Alright.\n\nChannel 1: right.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: if you have a flick through, I'll go through the key points with you. So if you go through to page three slash four on that system, you'll\n\nChannel 1: Yeah.\n\nChannel 0: see\n\nChannel 1: I'll line\n\nChannel 0: a heading\n\nChannel 1: it here.\n\nChannel 0: scope of advice.\n\nChannel 1: Yep. It does. What have I done? I lost you.\n\nChannel 0: And I'm wondering if all the text is easily visible for the screen that you're using.\n\nChannel 1: Yep. Alright. Alright.\n\nChannel 0: Cool. So you can see scope of advice considered there.\n\nChannel 1: What? Yeah. I've got that. Yep.\n\nChannel 0: Yep. So the main thing that we were focusing on was reviewing the investments inside the super and looking at the impact a little bit of salary sacrifice would do.\n\nChannel 1: Yep.\n\nChannel 0: The overarching goal for you was kind of a bit of a retirement goal towards 67, but as much earlier as possible as well.\n\nChannel 1: Yes. Yep.\n\nChannel 0: We did a review of the insurances, which, again, we've kind of already kind of discussed the outcome a little bit. And the only other thing was just with estate planning. I just wanted to make sure you had, like, the will\n\nChannel 1: Yep.\n\nChannel 0: and the power of attorney and everything kind of in place. So I'll put in a little bit of a reminder in this document as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. As far as what we didn't give advice on for this document, that's on the next one, page five and six, what's not getting a recommendation. And that's mainly just around, like, cash flow and debt because, obviously, you have those priorities. You're putting away that savings. You've got those cash flow priorities.\n\nI'm not gonna give you budgeting advice at the moment, and you weren't kind of looking for that.\n\nChannel 1: Yep.\n\nChannel 0: Retirement analysis, that's the only thing that I've kind of just pushed back a little bit because, obviously, if we're retiring fifteen to twenty years from now, I can't give you, like, an accurate assessment right now because so many things are gonna change in a decade or two.\n\nChannel 1: Yeah. You are. Yep.\n\nChannel 0: Still factored in, of course, and go, okay. If you're gonna build up x amount in super, how is that looking for retirement? But what I'm saying is when you get closer, we can actually do a full analysis that shows how long the money is gonna last.\n\nChannel 1: Yeah. Yeah. Yes.\n\nChannel 0: Cool?\n\nChannel 1: Yep.\n\nChannel 0: That's about it. So if you skip through page six, we've got a limited advice warning. Obviously, we're not giving advice on everything. If the information we've got is incorrect, that may impact what's in the document.\n\nChannel 1: No. Yep.\n\nChannel 0: Cool. Now can you have a look at page seven and eight for me just briefly? It's an about you section with a few of the details that we had from last year, And\n\nChannel 1: Mhmm.\n\nChannel 0: I bumped your income up to a 100,000 based on our most recent chat where you had a bit of a bump up on the income, but with bonuses, you may have been getting a bit higher than that. Is that still pretty well the case?\n\nChannel 1: Yeah. At the moment, it is. Yep. Later this year, it\n\nChannel 0: Yep.\n\nChannel 1: will probably change.\n\nChannel 0: Perfect. And still with Reece Plumbing.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Alright. Married, two dependents, phone number and email address are there. I have the home valued at 850,000 with about $2.70 owing, but, obviously, that's probably changed a bit the last four to six months. And you may be looking at just paying that off soon as well.\n\nChannel 1: Mhmm. Mhmm. That's wrong. Yep.\n\nChannel 0: Cool. Any other significant assets or liabilities different from what I've got in there?\n\nChannel 1: No. Not really. No.\n\nChannel 0: Beautiful. Your super and insurances are on page nine. Your risk profile is on page 10. We did a questionnaire a little while back where you kinda scored pretty balanced, like, middle of the road in risk level. You were already in a growth four out of five, and we agreed to kind of keep you at a growth four out of five.\n\nSo we\n\nChannel 1: Yep.\n\nChannel 0: weren't increasing your risk, but we weren't decreasing it either. We were just trying to review some of the investments inside your super.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. Now if you go through the recommendations on page 12 under the heading strategy recommendations.\n\nChannel 1: Yep.\n\nChannel 0: Now the main thing that we're doing so when I'm updating your portfolio, the main one that I flagged during your review was this Benelong Australian shares option, which had been underperforming, and we wanted to get rid of that. It was kind of a little bit broken. Everything else was kind of doing pretty good, but I wanted\n\nChannel 1: Yes.\n\nChannel 0: to just update not just that one option, but I've updated pretty much the whole portfolio for you.\n\nChannel 1: Alright. Yeah.\n\nChannel 0: Now what we've replaced it with is because Benelongs and active fund tries to outperform the market, I've replaced it with another active fund, little bit cheaper on the fees, much better performance over short and long term. So one year, three year, five year, and ten year, all kind of blew it out of the water, and I wanna just get that portion of your Subaru back in line with everybody else and the other options that you've got. One of the really interesting things happened over Christmas. Have you kind of seen what was happening to the super and the stock market since all of the the war in\n\nChannel 1: Yep.\n\nChannel 0: Iran and all that kind of thing was popping up?\n\nChannel 1: No. Not really. No.\n\nChannel 0: So all that's really happened is the last couple of months, stock market's taken a bit of a dip, even including some of the really good performing stuff like the gold gold funds, silver, and so on.\n\nChannel 1: Yep.\n\nChannel 0: One of the really interesting things that happened to your super was because of that Benelon option had kind of broke. No contributions were going into it as the market was going down, which is really good. It means your contributions weren't buying into it as it was going down.\n\nChannel 1: No. No. No. Yep.\n\nChannel 0: What that's done is it's actually pulled up quite a bit of cash sitting in your account that hasn't been affected by the markets. And now because the markets are down, as we rebalance all these options into the new ones, we can get all that cash into the investments now.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: So by that one option kind of breaking, it's actually protected your super where 15\n\nChannel 1: Yeah.\n\nChannel 0: percent of super hasn't\n\nChannel 1: Yeah.\n\nChannel 0: been touched.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That's kind of a bit of a monopoly $200 in your favor from pass and go. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Cool? It does list out pros and cons of what I'm recommending and basically lower fees, better performance. The cons of that is anytime we switch investments in super, you pay a little bit of tax inside super under the hood, and I have to factor that in to make sure we don't cause too much like capital gains tax on your super.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: It's something that if you're in your old funds, you wouldn't notice it because it all happens under the hood. We've just got a bit more control over what we buy and sell.\n\nChannel 1: Yeah. I heard that. Yep.\n\nChannel 0: K? If you flick through there, there's a big, big table on page fourteen, fifteen with a lot of red text on it. I just wanna show you a couple of quick things on there if you can find that\n\nChannel 1: Oh, yeah.\n\nChannel 0: investment\n\nChannel 1: Yep.\n\nChannel 0: table for me.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So the top one, Bennelong concentrated equities, that was the problem one that we wanted to sell out of. The other\n\nChannel 1: Yes.\n\nChannel 0: options that are in the red are the ones that I'm kind of updating and replacing.\n\nChannel 1: Mhmm.\n\nChannel 0: And then underneath them, you'll be able to see the health care Australia 200, all of them in that are only in black.\n\nChannel 1: Yep.\n\nChannel 0: And on the next page, the main ones I wanted to point out, on that next page, you'll see at the top of the table, Alfiniti. That's your Benelon replacement. And then you've got a bit of a we've given you an allocation to gold as well, which you didn't previously have.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So gold's been doing fantastic. It was up, like, 500% the last year. Obviously, it's coming back down a little bit, but pretty good to have a bit of we call it an alternative asset. It's\n\nChannel 1: Yep.\n\nChannel 0: not shares. It's not property. It gives you a bit more diversification, a bit more returns outside of the stock market.\n\nChannel 1: Yeah. Right. Yep.\n\nChannel 0: Cool. So that's the portfolio in the colored pie chart on page 16. This is how it's gonna kind of look. There's a lot of red because we're going pretty heavy still into international shares, a little bit\n\nChannel 1: Mhmm.\n\nChannel 0: more than the Aussie side. You've still got some defensive. You've still got some fixed interest and some safer assets. But can you see that table underneath the pie chart where it's got asset allocation? Basically, you being in growth, that four out of five, you've gotta be around 80% growth assets.\n\nThat's like your shares, property, and gold.\n\nChannel 1: Yep.\n\nChannel 0: We didn't wanna bump you up to high growth, which is 90 to a 100%. When\n\nChannel 1: Yep.\n\nChannel 0: you get close to retirement, we trim you down seventy, sixty, 50,\n\nChannel 1: Yep.\n\nChannel 0: 40 so that when you're 65, you're not losing half your super from a\n\nChannel 1: Yep.\n\nChannel 0: stock market crash.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: K? The only thing of note is if you look at the bottom third of that table, you'll see in the existing column, cash, 16.87% currently\n\nChannel 1: Mhmm.\n\nChannel 0: existing, and we've proposed 1% in the recommended table. So that's basically that was\n\nChannel 1: Yep.\n\nChannel 0: all that cash that had pulled up, and we're putting most of it into some fixed interest, which is like safe stuff, term deposits, bonds,\n\nChannel 1: Yep.\n\nChannel 0: gets you good it gets you more than cash, but it's not like risking on the stock market.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So we're getting your funds invested, getting them moving, but we're not increasing your risk.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Cool. A bit of a fee comparison on the next page. It shows you a table there where we factored in that capital gains tax. You do save just under a thousand dollars. It almost halves your investment fees with the options that we're updating you to.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Performance difference at the bottom, you can see going backwards five years, your current pool was sitting at about eight to 9%, and\n\nChannel 1: Yep.\n\nChannel 0: the new one's kinda looking 12 to 13% per annum.\n\nChannel 1: Mhmm.\n\nChannel 0: K? So that's the difference in the portfolio performance going backwards. Obviously, you never know what's gonna happen going forward, but we're just saying in the same scenario, there was a big\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: projection update. Please take that on the next page with just a little bit of a grain of salt. You can see there a five and ten year projection going from 378,000 to 616,000 over the next ten years. That's provided that we still do get some really high double digit returns like the market just keeps going up long\n\nChannel 1: Mhmm.\n\nChannel 0: term.\n\nChannel 1: Yes.\n\nChannel 0: Benchmark for growth is nine to 10%. We've been averaging 12 to 14. That's great. If it continues, it's gonna have a huge difference. But what I'm saying is when I calculate your your retirement, I go pretty conservative with the figures.\n\nThis is just based on those returns, though.\n\nChannel 1: Yes.\n\nChannel 0: K? The main main difference between them in that table just underneath it, there's a real big consistency difference between the two. You can see that your current Netwealth one, it kind of bounces between 5% for one year, 12 for three years, back down to eight for five years, whereas the one we're setting you up in has just been consistent, one, three, five, and ten.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: That's kind of what I want for you, Super, at the moment is whatever's going on in the world, it's obviously gonna go up and down quite a bit, but at least consistent short and long term will get you there.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. That's pretty much it for the super side of things except for some contributions. Any questions on what we're doing with the investments?\n\nChannel 1: No. Not really. You know, it's pretty straightforward.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: One thing that we mentioned before during the review was that we didn't want to take on more risk to get you to a comfortable retirement and also just to offset premiums because, obviously, insurance premiums come out of the super is we were talking about doing $400 a month of salary sacrifice into the super. So you put in 400 a month. It costs you about 300 after the tax differences. On your cash flow at the time, it was more than affordable. Just double checking that you're still okay to put that in place if you haven't already done so.\n\nChannel 1: I haven't done it as yet, but, yeah, I do wanna do it.\n\nChannel 0: Yep. It's really just as simple as telling payroll to put in that much per month, and\n\nChannel 1: Yep.\n\nChannel 0: they will do it as they calculate your normal super contributions. They'll split\n\nChannel 1: Yep.\n\nChannel 0: it into two, but they can just bump it up when they shoot it through their accounting side of things.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nYep.\n\nChannel 0: Some employers make you fill out like a one page form. And if you need any details, we can send you an SGC form, but they've already got it. They're already paying in. It's just a matter of them getting the tick from you to bump it up a little bit.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: There's a bit of a tax table underneath that just shows you if you put in a 4,800 a year salary sacrifice, it drops your taxable income down by that much, and you get taxed on what's left over.\n\nChannel 1: Yep. Yeah. Right. Yep.\n\nChannel 0: So the impact to your, I guess, your take home pay is basically 77,000 versus 74,000. So it impacted just over $3 a year by putting\n\nChannel 1: Yep.\n\nChannel 0: in just under 5.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, it's got the pros and cons of putting money into super, which again, super's taxed at 15%. You have to compound and get the returns there, but the consequence of doing that is that you're putting money in that's getting locked away.\n\nChannel 1: Yep.\n\nChannel 0: So as long as you're not sacrificing your goal to do the car restoration and pay off the mortgage, as long as what you're putting in, you can afford to wait until '60, '65 to access.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Is that alright?\n\nChannel 1: Yep.\n\nChannel 0: Cool. That's pretty much it for the advice, mate. I've put in there a strategy after that just saying to keep your Neos insurances in place with your life, your t your income protection. I really wanna keep a very close eye on this one because, again, my ideal situation is to find something one to two thousand dollars cheaper for you. But\n\nChannel 1: Yep.\n\nChannel 0: at the time, there's nothing that we can really replace it with just yet, but\n\nChannel 1: Yep.\n\nChannel 0: it wouldn't hurt to check it again in six months' time.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: K? The only thing I couldn't quite recall was obviously, when we had the health, we were talking about blood pressure at the time. You were having the scans and everything. I don't believe you've got smokers' rights. You've been a nonsmoker the entire time or just the last sort of twelve to eighteen months?\n\nChannel 1: Sorry. Got it. Hello?\n\nChannel 0: I was just gonna ask you when it comes to, like, nicotine products, cigarettes vaping,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: you been a nonsmoker the entire, like, say, three, five, ten years, or is have you kind of recently\n\nChannel 1: Oh,\n\nChannel 0: quit\n\nChannel 1: yeah.\n\nChannel 0: the last year or\n\nChannel 1: No.\n\nChannel 0: so?\n\nChannel 1: No. No. He's not probably 15. I don't need something like that.\n\nChannel 0: Yep. Perfect. Perfect. I just couldn't see on here. Normally, I've got a note for whether the smokers rates or not, and, really, the pricing just comes down to age more than anything.\n\nChannel 1: No. Yep.\n\nChannel 0: Again, if you get that like, let's say the inheritance pays off the mortgage, you probably don't need a million dollars worth of life and TPD insurance. So if that happens, I would probably look to trim that down a little bit and do a bit of shopping around as well.\n\nChannel 1: Yeah. You're right. Yeah. Yeah.\n\nChannel 0: The only thing to factor in is because of, like, the blood pressure, the scans that you had done, is you would have\n\nChannel 1: Mhmm.\n\nChannel 0: to send away a pre assessment where they get a doctor's report just to check everything to make sure they're not gonna give you an exclusion or a loading or any bad terms. So I don't wanna try and switch your policy to save you some money, but then they put in there that you can't claim on this, that, and the\n\nChannel 1: Yep.\n\nChannel 0: other. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: So what I'm kind of doing for you is I'm giving you a bit of a dedicated adviser as well as myself to kind of keep an eye on your file. And when we get to that next review point, we'll give you a call and talk about whether the inheritance has happened, whether we found any better insurers out there, and then we can look at updating it.\n\nChannel 1: Yeah. No. No. Yeah. Yep.\n\nChannel 0: Do you have any worries with what's there at the moment or anything that's kind of pressing that you really wanna sort of jump onto this now again? Or\n\nChannel 1: No. No. I don't think so. I think that's fine.\n\nChannel 0: Yep. K. Again, every year it changes, and anytime we do switch it, there's pro rata refunds, and there's a policy anniversary that'll happen each year. If we notice another big jump up, we'll probably have to have another chat about it. But, again, I really just wanna see how the super gets through the next six to twelve months because market's going crazy.\n\nI wanna see\n\nChannel 1: Yes.\n\nChannel 0: on the other tail end of this once it settles down how well it grows after that.\n\nChannel 1: Yep.\n\nChannel 0: Again, we just wanna keep the fees, like, reasonable and not have insurance to send you back with if the super is doing well.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. Mate, there's a bit of a reminder for the wills and power of attorney. One thing I mentioned to you last year for estate planning is that you can get will kits from the post office for $25. You can\n\nChannel 1: Yes.\n\nChannel 0: get an appointment with the the public trustee of the state, and a bit of information I sent through to you on that. Is that something you wanna get done this year probably before you jump to go talk to a solicitor?\n\nChannel 1: They\n\nChannel 0: Might\n\nChannel 1: have\n\nChannel 0: be\n\nChannel 1: probably\n\nChannel 0: worth.\n\nChannel 1: showed I'm probably sure of that.\n\nChannel 0: Yeah. So hang on. You're in Griffith, New South Wales. Yeah. So the public trustee for New South Wales, you know, the courts and everything,\n\nChannel 1: Yeah.\n\nChannel 0: they do set up wills the same as as a solicitor would.\n\nChannel 1: Yep.\n\nChannel 0: And, again, there's the post office as well. So unless things get really complicated with family and different assets and joint ownership and all the rest of it, if it's pretty simple, you could probably just talk to the trustee or go through the post office. Again, you can talk to a lawyer if you want, but, again, it's kind of how long is a piece of string with those guys.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Is there any information I can give you to kind of help out here, or is it really just about finding the\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: time? Yeah. I know\n\nChannel 1: On\n\nChannel 0: exactly\n\nChannel 1: the phone\n\nChannel 0: what you\n\nChannel 1: to\n\nChannel 0: mean.\n\nChannel 1: get down there. Yeah.\n\nChannel 0: No. That's alright. Look.\n\nChannel 1: Oh.\n\nChannel 0: It's one of those things that every every review, we touch on it just as a reminder.\n\nChannel 1: Yeah.\n\nChannel 0: Our next person you speak to, whether it's me or my colleague, we'll just remind you, hey. Look. Have you got that in place? Have you sorted that? Do you need any help?\n\nAnd,\n\nChannel 1: Yep.\n\nChannel 0: yeah, up to you.\n\nChannel 1: Yep. Yep. Got it. Yep.\n\nChannel 0: Cool. Everything else, we've got all of the ongoing fees are factored into the projections, commissions, all that kind of thing. Implementation table all the way down on page 34. Basically, we need your consent to switch the investments. Once you tick the go ahead here, we'll make\n\nChannel 1: Alright.\n\nChannel 0: the changes.\n\nChannel 1: Yep.\n\nChannel 0: Just talk to your employer about the salary sacrifice, 400 a month before tax. If you\n\nChannel 1: Mhmm.\n\nChannel 0: need any details, let us know, and the team can shoot through some more documents with payment details on there, but they already have it.\n\nChannel 1: Yes. Yeah. Yeah. Yep.\n\nChannel 0: Cool, mate. That's pretty much it. Any questions for me?\n\nChannel 1: Not really. Uh-huh.\n\nChannel 0: Cool. This Odoo sign, because we went into the attachment, it does have a link that'll bring you through, like, the digital signing for the SOA. It's literally just the one authority to proceed to sign off on, and then our team can pretty much hop on and switch everything around on that well.\n\nChannel 1: Is that that's that's probably the link on the 30 miles up from the time?\n\nChannel 0: Yeah. That's right. So I attach it so you can read through it with me, but then that link will just pull you through to the spots to do the old squiggle or type the name in.\n\nChannel 1: So is that on this? One of all the other first one we're looking at on the main Dubai site.\n\nChannel 0: Oh, sorry. No. So not on the document itself, on the email body. So you should have got an email\n\nChannel 1: Oh,\n\nChannel 0: with those\n\nChannel 1: yeah.\n\nChannel 0: as\n\nChannel 1: Right\n\nChannel 0: attachments,\n\nChannel 1: up there. Right\n\nChannel 0: and\n\nChannel 1: up now.\n\nChannel 0: the email\n\nChannel 1: Yeah.\n\nChannel 0: will\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: got\n\nChannel 0: one of\n\nChannel 1: it.\n\nChannel 0: those\n\nChannel 1: Yep.\n\nChannel 0: blue links.\n\nChannel 1: Right up. Yeah. Yep. I'll just found it. Yep.\n\nThat's pulled up.\n\nChannel 0: When you get through to the end of it, it'll actually give you a pop up saying whether you wanna save a signed copy to your own records as well.\n\nChannel 1: Mhmm. So it's around on the bottom again. I was seeing the\n\nChannel 0: Yeah. Usually, with those digital sign ones, you either scroll right down to the bottom or\n\nChannel 1: oh,\n\nChannel 0: you\n\nChannel 1: yep.\n\nChannel 0: click,\n\nChannel 1: Got\n\nChannel 0: like,\n\nChannel 1: it.\n\nChannel 0: the next\n\nChannel 1: Yeah.\n\nChannel 0: button, and it'll pull you down.\n\nChannel 1: Yep. Click to stop.\n\nChannel 0: Yeah. And when you go click to start, it'll probably ask you for your consent to use electronic signature. You know, it's usually\n\nChannel 1: Yeah.\n\nChannel 0: your privacy\n\nChannel 1: Right.\n\nChannel 0: privacy\n\nChannel 1: Sign in.\n\nChannel 0: pop\n\nChannel 1: Yep.\n\nChannel 0: ups.\n\nChannel 1: Yep. So it's got my signature. Sign.\n\nChannel 0: Yeah.\n\nChannel 1: Think it's done. Validated.\n\nChannel 0: Perfect. And, again, if you get that pop up just to download a copy for yourself, I'll just have a quick refresh, see if it's come through on my end.\n\nChannel 1: It says\n\nChannel 0: Yeah.\n\nChannel 1: sliding.\n\nChannel 0: Yeah. Yep. That's come through to us as well. Thank you for that, Grant.\n\nChannel 1: No worries.\n\nChannel 0: Awesome, mate. Any questions for me before I let you go?\n\nChannel 1: No. All good. Thanks, Tommy.\n\nChannel 0: Awesome, dude. You have a fantastic week. I'll send you a bit of a message just with a heads up when the next review will be. And, again,\n\nChannel 1: Yep.\n\nChannel 0: we'll just touch on the change of circumstances and insurances. In the meantime, you can talk to your employer about the contributions. We'll get the investment switched, and we're good to go.\n\nChannel 1: Sounds good. Alright, mate.\n\nChannel 0: Awesome. Have a fantastic week, mate. Cheers.\n\nChannel 1: See you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, mister Harris.","start":1.92,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.25257133692502975},{"text":"Tell me here, mate.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.16877911984920502},{"text":"How you been?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.14021556079387665}],"sentiment":"neutral","sentiment_score":0.19145895540714264,"channel":0,"num_words":11,"start":1.92,"end":4.98},{"sentences":[{"text":"Not too bad.","start":5.12,"end":5.92,"sentiment":"neutral","sentiment_score":0.2379264235496521},{"text":"How are you today?","start":5.92,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2688038796186447}],"sentiment":"neutral","sentiment_score":0.25557068416050505,"channel":1,"num_words":7,"start":5.12,"end":6.8199997},{"sentences":[{"text":"Living the dream.","start":7.3599997,"end":8.08,"sentiment":"positive","sentiment_score":0.5923763513565063},{"text":"It's been a fantastic start to the week.","start":8.08,"end":10.0,"sentiment":"positive","sentiment_score":0.8003605157136917},{"text":"What about your end?","start":10.0,"end":11.139999,"sentiment":"neutral","sentiment_score":0.16826621443033218}],"sentiment":"positive","sentiment_score":0.5902052025000254,"channel":0,"num_words":15,"start":7.3599997,"end":11.139999},{"sentences":[{"text":"Oh, yeah.","start":11.92,"end":12.48,"sentiment":"neutral","sentiment_score":0.00971279852092266},{"text":"Probably not quite that good, but, yeah, not too bad.","start":12.48,"end":15.62,"sentiment":"neutral","sentiment_score":-0.20248105973005295}],"sentiment":"neutral","sentiment_score":-0.1671154166882237,"channel":1,"num_words":12,"start":11.92,"end":15.62},{"sentences":[{"text":"Not as good.","start":15.8550005,"end":16.415,"sentiment":"neutral","sentiment_score":-0.2746826112270355},{"text":"Well, hopefully, I can sort of pick it up for you a little bit, but thank you very much for calling back in, mate.","start":16.415,"end":20.975,"sentiment":"neutral","sentiment_score":0.2857092440438767},{"text":"Appreciate that.","start":20.975,"end":21.955,"sentiment":"positive","sentiment_score":0.41096943616867065}],"sentiment":"neutral","sentiment_score":0.23637630674859572,"channel":0,"num_words":29,"start":15.8550005,"end":21.955},{"sentences":[{"text":"No worries.","start":22.195,"end":22.935,"sentiment":"neutral","sentiment_score":0.1659376174211502}],"sentiment":"neutral","sentiment_score":0.1659376174211502,"channel":1,"num_words":2,"start":22.195,"end":22.935},{"sentences":[{"text":"Awesome.","start":23.375,"end":23.875,"sentiment":"neutral","sentiment_score":0.31458038091659546},{"text":"I sent through a updated advice document with some portfolio changes, contribution changes to your email address.","start":24.31,"end":32.33,"sentiment":"neutral","sentiment_score":0.13584209978580475},{"text":"Will you have a chance to look onto the document with me today?","start":32.39,"end":35.69,"sentiment":"neutral","sentiment_score":0.09988698936425723}],"sentiment":"neutral","sentiment_score":0.1265299012584071,"channel":0,"num_words":31,"start":23.375,"end":35.69},{"sentences":[{"text":"When you send that through, just mail?","start":38.6,"end":40.3,"sentiment":"neutral","sentiment_score":0.027161061497671262}],"sentiment":"neutral","sentiment_score":0.027161061497671262,"channel":1,"num_words":7,"start":38.6,"end":40.3},{"sentences":[{"text":"Yeah.","start":41.045002,"end":41.445,"sentiment":"neutral","sentiment_score":0.005525997839868069},{"text":"About well, maybe four, five minutes ago.","start":41.445,"end":44.185,"sentiment":"neutral","sentiment_score":-0.014770787874502795},{"text":"It may go to you the first one may actually go to your spam folder or your main inbox.","start":44.725,"end":49.845,"sentiment":"neutral","sentiment_score":-0.03094384927106531},{"text":"It's just from Odoo.","start":49.845,"end":51.065002,"sentiment":"neutral","sentiment_score":-0.014147742884233594},{"text":"So the first one may get caught by the filter.","start":51.579998,"end":54.16,"sentiment":"neutral","sentiment_score":-0.07531509585678578}],"sentiment":"neutral","sentiment_score":-0.03647669715943133,"channel":0,"num_words":41,"start":41.045002,"end":54.16},{"sentences":[{"text":"I don't know.","start":55.38,"end":55.833336,"sentiment":"neutral","sentiment_score":-0.09359145661195119},{"text":"I was gonna need to call me.","start":55.833336,"end":56.82,"sentiment":"neutral","sentiment_score":-0.06937581566827637},{"text":"Yep.","start":56.82,"end":57.32,"sentiment":"neutral","sentiment_score":0.01304255984723568},{"text":"Yep.","start":58.82,"end":59.32,"sentiment":"neutral","sentiment_score":0.04685281962156296}],"sentiment":"neutral","sentiment_score":-0.05887580833708247,"channel":1,"num_words":12,"start":55.38,"end":59.32},{"sentences":[{"text":"Awesome.","start":60.94,"end":61.44,"sentiment":"neutral","sentiment_score":0.13757580518722534},{"text":"Now there's two attachments there.","start":62.539997,"end":64.14,"sentiment":"neutral","sentiment_score":0.05027123764157295},{"text":"One's a statement of advice.","start":64.14,"end":65.5,"sentiment":"neutral","sentiment_score":0.045420049130916594},{"text":"One's an appendix.","start":65.5,"end":66.284996,"sentiment":"neutral","sentiment_score":0.039042008419831596},{"text":"Are you able to open the statement of advice that has that kind of beachfront city logo on the front?","start":66.284996,"end":71.424995,"sentiment":"neutral","sentiment_score":0.039266612660139796}],"sentiment":"neutral","sentiment_score":0.04466148580917541,"channel":0,"num_words":34,"start":60.94,"end":71.424995},{"sentences":[{"text":"No.","start":72.625,"end":73.125,"sentiment":"neutral","sentiment_score":-0.04742439463734627},{"text":"No.","start":75.345,"end":75.745,"sentiment":"neutral","sentiment_score":-0.054446227848529816},{"text":"I've got the mountains.","start":75.745,"end":76.805,"sentiment":"neutral","sentiment_score":-0.048522080294787884}],"sentiment":"neutral","sentiment_score":-0.049326490610837936,"channel":1,"num_words":6,"start":72.625,"end":76.805},{"sentences":[{"text":"The mountains.","start":77.805,"end":78.445,"sentiment":"neutral","sentiment_score":-0.019238753244280815}],"sentiment":"neutral","sentiment_score":-0.019238753244280815,"channel":0,"num_words":2,"start":77.805,"end":78.445},{"sentences":[{"text":"This 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you have a flick through, I'll go through the key points with you.","start":215.285,"end":219.145,"sentiment":"neutral","sentiment_score":0.1092045046389103},{"text":"So if you go through to page three slash four on that system, you'll","start":219.23,"end":223.87,"sentiment":"neutral","sentiment_score":0.07951177709868976}],"sentiment":"neutral","sentiment_score":0.09435814086880003,"channel":0,"num_words":28,"start":215.285,"end":223.87},{"sentences":[{"text":"Yeah.","start":223.84999,"end":224.09,"sentiment":"neutral","sentiment_score":0.05274694785475731}],"sentiment":"neutral","sentiment_score":0.05274694785475731,"channel":1,"num_words":1,"start":223.84999,"end":224.09},{"sentences":[{"text":"see","start":223.87,"end":224.26999,"sentiment":"neutral","sentiment_score":0.04700760915875435}],"sentiment":"neutral","sentiment_score":0.04700760915875435,"channel":0,"num_words":1,"start":223.87,"end":224.26999},{"sentences":[{"text":"I'll 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a five and ten year projection going from 378,000 to 616,000 over the next ten years.","start":824.28503,"end":833.17,"sentiment":"neutral","sentiment_score":0.0766557103022933},{"text":"That's provided that we still do get some really high double digit returns like the market just keeps going up 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a very close eye on this one because, again, my ideal situation is to find something one to two thousand dollars cheaper for you.","start":1050.33,"end":1059.87,"sentiment":"positive","sentiment_score":0.38054521701165606},{"text":"But","start":1060.135,"end":1060.375,"sentiment":"neutral","sentiment_score":0.07424073666334152}],"sentiment":"positive","sentiment_score":0.3433682154272757,"channel":0,"num_words":63,"start":1039.855,"end":1060.375},{"sentences":[{"text":"Yep.","start":1060.3201,"end":1060.575,"sentiment":"neutral","sentiment_score":0.04290168732404709}],"sentiment":"neutral","sentiment_score":0.04290168732404709,"channel":1,"num_words":1,"start":1060.3201,"end":1060.575},{"sentences":[{"text":"at the time, there's nothing that we can really replace it with just yet, 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And now because the markets are down, as we rebalance all these options into the new ones, we can get all that cash into the investments now. Mhmm. Yeah.","start_word":1666,"end_word":1718,"intents":[{"intent":"Boost cash","confidence_score":0.0026573916},{"intent":"Rebalance options","confidence_score":0.122515075}]},{"text":"So by that one option kind of breaking, it's actually protected your super where 15 Yeah.","start_word":1719,"end_word":1734,"intents":[{"intent":"Protect super","confidence_score":0.121518}]},{"text":"It does list out pros and cons of what I'm recommending and basically lower fees, better performance.","start_word":1769,"end_word":1785,"intents":[{"intent":"Recommend lower fees","confidence_score":0.21468307},{"intent":"Recommend better performance","confidence_score":0.0036929846}]},{"text":"The cons of that is anytime we switch investments in super, you pay a little bit of tax inside super under the hood, and I have to factor that in to make sure we don't cause too much like capital gains tax on your super. Yep.","start_word":1787,"end_word":1832,"intents":[{"intent":"Describing cash market compensation","confidence_score":2.915264e-10}]},{"text":"If you flick through there, there's a big, big table on page fourteen, fifteen with a lot of red text on it. I just wanna show you a couple of quick things on there if you can find that Oh, yeah.","start_word":1873,"end_word":1913,"intents":[{"intent":"Showing information","confidence_score":0.0036201507}]},{"text":"So the top one, Bennelong concentrated equities, that was the problem one that we wanted to sell out of. The other Yes.","start_word":1921,"end_word":1942,"intents":[{"intent":"Identifying problem","confidence_score":0.010798033}]},{"text":"Obviously, it's coming back down a little bit, but pretty good to have a bit of we call it an alternative asset. It's Yep. not shares. It's not property. It gives you a bit more diversification, a bit more returns outside of the stock market. Yeah. Right.","start_word":2051,"end_word":2097,"intents":[{"intent":"Providing alternative asset","confidence_score":0.033619706}]},{"text":"So that's the portfolio in the colored pie chart on page 16. This is how it's gonna kind of look.","start_word":2100,"end_word":2119,"intents":[{"intent":"Discussing portfolio","confidence_score":0.0133023895}]},{"text":"Performance difference at the bottom, you can see going backwards five years, your current pool was sitting at about eight to 9%, and Yep. the new one's kinda looking 12 to 13% per annum. Mhmm.","start_word":2404,"end_word":2438,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.008658946}]},{"text":"Please take that on the next page with just a little bit of a grain of salt. You can see there a five and ten year projection going from 378,000 to 616,000 over the next ten years. That's provided that we still do get some really high double digit returns like the market just keeps going up long Mhmm. term.","start_word":2476,"end_word":2535,"intents":[{"intent":"Evaluate projection update","confidence_score":0.0050513665}]},{"text":"I've put in there a strategy after that just saying to keep your Neos insurances in place with your life, your t your income protection. I really wanna keep a very close eye on this one because, again, my ideal situation is to find something one to two thousand dollars cheaper for you. But Yep.","start_word":3142,"end_word":3196,"intents":[{"intent":"Analyze insurance coverage","confidence_score":0.0039014863}]},{"text":"So what I'm kind of doing for you is I'm giving you a bit of a dedicated adviser as well as myself to kind of keep an eye on your file. And when we get to that next review point, we'll give you a call and talk about whether the inheritance has happened, whether we found any better insurers out there, and then we can look at updating it. Yeah.","start_word":3527,"end_word":3596,"intents":[{"intent":"Discuss inheritance and policy status","confidence_score":0.010487629}]},{"text":"Again, we just wanna keep the fees, like, reasonable and not have insurance to send you back with if the super is doing well.","start_word":3726,"end_word":3749,"intents":[{"intent":"Keep fees","confidence_score":0.41547891}]},{"text":"One thing I mentioned to you last year for estate planning is that you can get will kits from the post office for $25. You can get Yes.","start_word":3766,"end_word":3793,"intents":[{"intent":"Confirm will kits","confidence_score":0.006934539}]},{"text":"they do set up wills the same as as a solicitor would.","start_word":3873,"end_word":3884,"intents":[{"intent":"Discuss wills","confidence_score":0.028540332}]},{"text":"Is there any information I can give you to kind of help out here, or is it really just about finding the Yeah.","start_word":3961,"end_word":3983,"intents":[{"intent":"Provide information","confidence_score":0.31330407}]},{"text":"Is there any information I can give you to kind of help out here, or is it really just about finding the Yeah. Pretty much. time? Yeah. I know On exactly the phone what you to mean. get down there. Yeah. No. That's alright. Look.","start_word":3961,"end_word":4005,"intents":[{"intent":"Confirm understanding","confidence_score":0.110476345},{"intent":"Confirm understanding","confidence_score":0.010770632}]},{"text":"It's one of those things that every every review, we touch on it just as a reminder. Yeah.","start_word":4007,"end_word":4024,"intents":[{"intent":"Provide feedback","confidence_score":0.000049531536}]},{"text":"Everything else, we've got all of the ongoing fees are factored into the projections, commissions, all that kind of thing. Implementation table all the way down on page 34.","start_word":4070,"end_word":4098,"intents":[{"intent":"Remind about fees","confidence_score":0.061448514}]},{"text":"Is that that's that's probably the link on the 30 miles up from the time? Yeah.","start_word":4234,"end_word":4249,"intents":[{"intent":"Verify link","confidence_score":0.10584132}]},{"text":"So not on the document itself, on the email body. So you should have got an email Oh, with those yeah. as Right attachments, up there. Right and up now. the email Yeah. will I have got one of it. those Yep. blue links.","start_word":4309,"end_word":4352,"intents":[{"intent":"Check email","confidence_score":0.020241885}]},{"text":"When you get through to the end of it, it'll actually give you a pop up saying whether you wanna save a signed copy to your own records as well. Mhmm.","start_word":4365,"end_word":4395,"intents":[{"intent":"Save sign","confidence_score":0.010758501},{"intent":"Update copy","confidence_score":0.0126274}]},{"text":"And when you go click to start, it'll probably ask you for your consent to use electronic signature. You know, it's usually Yeah.","start_word":4444,"end_word":4466,"intents":[{"intent":"Confirm consent","confidence_score":0.38591635}]}]},"sentiments":{"segments":[{"text":"Good afternoon, mister Harris. Tell me here, mate. How you been? Not too bad. How are you today?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.21726146340370175},{"text":"Living the dream. It's been a fantastic start to the week.","start_word":18,"end_word":28,"sentiment":"positive","sentiment_score":0.7420743107795715},{"text":"What about your end? Oh, yeah. Probably not quite that good, but, yeah, not too bad. Not as good. Well, hopefully, I can sort of pick it up for you a little bit, but thank you very much for calling back in, mate.","start_word":29,"end_word":71,"sentiment":"neutral","sentiment_score":0.0968163087964058},{"text":"Appreciate that.","start_word":72,"end_word":73,"sentiment":"positive","sentiment_score":0.4225531220436096},{"text":"No worries. Awesome. I sent through a updated advice document with some portfolio changes, contribution changes to your email address. Will you have a chance to look onto the document with me today? When you send that through, just mail? Yeah. About well, maybe four, five minutes ago. It may go to you the first one may actually go to your spam folder or your main inbox. It's just from Odoo. So the first one may get caught by the filter. I don't know. I was gonna need to call me. Yep. Yep. Awesome. Now there's two attachments there. One's a statement of advice. One's an appendix. Are you able to open the statement of advice that has that kind of beachfront city logo on the front? No. No. I've got the mountains. The mountains. This one. The mountain is the appendix. Hopefully, the other one's Oh, yes. there next Yes. to I I got the Gold Coast. Yep. it. There there we go. Perfect. Mate, before I jump into it, this one's a pretty simple advice document updating the investments inside the super for NetWell. Few exciting things I wanted to walk through with you today, but you had a lot of priorities and things going on towards Christmas and afterwards. Do you mind if I just ask you a couple of quick questions for a minute before I jump into it? Cool. I put down a number of, like, cash flow priorities that was kind of building up to contribution recommendations I made. And at the time, you were kind of saving up for a car restoration, paying down the mortgage, and we were only kind of putting a small amount aside for super. Is that still Yep. kind of your priority for this year? Yep. No worries.","start_word":74,"end_word":373,"sentiment":"neutral","sentiment_score":0.044953816756606105},{"text":"Perfect.","start_word":374,"end_word":374,"sentiment":"positive","sentiment_score":0.6171913743019104},{"text":"The other thing was you had some CT scans towards the end of next last year. Did you end Yep. up getting some results and things like that? Yeah. Or Now it was all clean like that.","start_word":375,"end_word":411,"sentiment":"neutral","sentiment_score":0.1519865840673447},{"text":"all good?","start_word":412,"end_word":413,"sentiment":"positive","sentiment_score":0.3586398959159851},{"text":"All clear? Yep.","start_word":414,"end_word":416,"sentiment":"neutral","sentiment_score":0.2257859706878662},{"text":"Perfect.","start_word":417,"end_word":417,"sentiment":"positive","sentiment_score":0.5234230756759644},{"text":"Because I wanna note that down on file because one of the things that I did was I hunted around for a more affordable insurance policy and couldn't really find anyone that much better in terms of price. But then also with pending scans, you don't wanna kind of put an application through while that's still going on because they just wait until afterwards. So I'm gonna put a flag on your account to keep an eye on it for this year because your your premiums with insurances keep going up. And I reckon sometime Yeah. towards the end of this year, we'll have to look at it shopping around or trimming it down a little bit. Yeah. Right up. Yep. Yep. Cool. And the third thing, last one before I jump in, is just the inheritance side of things. Your partner was expecting an inheritance towards the end of last year, and you were gonna kind of pay off the mortgage with it. Did that eventually It's still in actually, in process. It shouldn't be too far away now, but yeah. Cool. So everything that I've got in this document should be pretty well current. Some of the figures might be a little bit off with the way the market's going with your house and paying off the mortgage a bit, but nothing's really changed since we last spoke. Yes. Yep.","start_word":418,"end_word":649,"sentiment":"neutral","sentiment_score":0.07016908377408981},{"text":"Beautiful.","start_word":650,"end_word":650,"sentiment":"positive","sentiment_score":0.41695713996887207},{"text":"That's Alright. right. So Yep. if you have a flick through, I'll go through the key points with you. So if you go through to page three slash four on that system, you'll Yeah. see I'll line a heading it here. scope of advice. Yep. It does. What have I done? I lost you. And I'm wondering if all the text is easily visible for the screen that you're using. Yep. Alright. Alright. Cool. So you can see scope of advice considered there. What? Yeah. I've got that. Yep. Yep. So the main thing that we were focusing on was reviewing the investments inside the super and looking at the impact a little bit of salary sacrifice would do. Yep.","start_word":651,"end_word":770,"sentiment":"neutral","sentiment_score":0.099679209664464},{"text":"The overarching goal for you was kind of a bit of a retirement goal towards 67, but as much earlier as possible as well.","start_word":771,"end_word":794,"sentiment":"positive","sentiment_score":0.37392544746398926},{"text":"Yes. Yep. We did a review of the insurances, which, again, we've kind of already kind of discussed the outcome a little bit. And the only other thing was just with estate planning. I just wanted to make sure you had, like, the will Yep. and the power of attorney and everything kind of in place. So I'll put in a little bit of a reminder in this document as well. Yep.","start_word":795,"end_word":866,"sentiment":"neutral","sentiment_score":0.1946469247341156},{"text":"Cool.","start_word":867,"end_word":867,"sentiment":"positive","sentiment_score":0.3812849521636963},{"text":"As far as what we didn't give advice on for this document, that's on the next one, page five and six, what's not getting a recommendation. And that's mainly just around, like, cash flow and debt because, obviously, you have those priorities. You're putting away that savings. You've got those cash flow priorities. I'm not gonna give you budgeting advice at the moment, and you weren't kind of looking for that.","start_word":868,"end_word":938,"sentiment":"negative","sentiment_score":-0.4190538823604584},{"text":"Yep. Retirement analysis, that's the only thing that I've kind of just pushed back a little bit because, obviously, if we're retiring fifteen to twenty years from now, I can't give you, like, an accurate assessment right now because so many things are gonna change in a decade or two. Yeah. You are. Yep. Still factored in, of course, and go, okay. If you're gonna build up x amount in super, how is that looking for retirement? But what I'm saying is when you get closer, we can actually do a full analysis that shows how long the money is gonna last. Yeah. Yeah. Yes. Cool? Yep. That's about it. So if you skip through page six, we've got a limited advice warning.","start_word":939,"end_word":1061,"sentiment":"neutral","sentiment_score":-0.10202383249998093},{"text":"Obviously, we're not giving advice on everything. If the information we've got is incorrect, that may impact what's in the document.","start_word":1062,"end_word":1082,"sentiment":"negative","sentiment_score":-0.3769299685955048},{"text":"No. Yep. Cool. Now can you have a look at page seven and eight for me just briefly? It's an about you section with a few of the details that we had from last year, And Mhmm. I bumped your income up to a 100,000 based on our most recent chat where you had a bit of a bump up on the income, but with bonuses, you may have been getting a bit higher than that. Is that still pretty well the case? Yeah. At the moment, it is. Yep. Later this year, it Yep. will probably change.","start_word":1083,"end_word":1180,"sentiment":"neutral","sentiment_score":0.07267044484615326},{"text":"Perfect.","start_word":1181,"end_word":1181,"sentiment":"positive","sentiment_score":0.4857395589351654},{"text":"And still with Reece Plumbing. Yep. Yep. Alright. Married, two dependents, phone number and email address are there. I have the home valued at 850,000 with about $2.70 owing, but, obviously, that's probably changed a bit the last four to six months. And you may be looking at just paying that off soon as well. Mhmm. Mhmm. That's wrong. Yep. Cool. Any other significant assets or liabilities different from what I've got in there? No. Not really. No. Beautiful. Your super and insurances are on page nine. Your risk profile is on page 10. We did a questionnaire a little while back where you kinda scored pretty balanced, like, middle of the road in risk level. You were already in a growth four out of five, and we agreed to kind of keep you at a growth four out of five. So we Yep. weren't increasing your risk, but we weren't decreasing it either. We were just trying to review some of the investments inside your super. Mhmm. Yep. Yeah. Now if you go through the recommendations on page 12 under the heading strategy recommendations. Yep. Now the main thing that we're doing so when I'm updating your portfolio, the main one that I flagged during your review was this Benelong Australian shares option, which had been underperforming, and we wanted to get rid of that. It was kind of a little bit broken. Everything else was kind of doing pretty good, but I wanted Yes. to just update not just that one option, but I've updated pretty much the whole portfolio for you. Alright. Yeah.","start_word":1182,"end_word":1447,"sentiment":"neutral","sentiment_score":0.0013701649298681353},{"text":"Now what we've replaced it with is because Benelongs and active fund tries to outperform the market, I've replaced it with another active fund, little bit cheaper on the fees, much better performance over short and long term. So one year, three year, five year, and ten year, all kind of blew it out of the water, and I wanna just get that portion of your Subaru back in line with everybody else and the other options that you've got.","start_word":1448,"end_word":1527,"sentiment":"positive","sentiment_score":0.3995026648044586},{"text":"One of the really interesting things happened over Christmas. Have you kind of seen what was happening to the super and the stock market since all of the the war in Yep. Iran and all that kind of thing was popping up? No. Not really. No. So all that's really happened is the last couple of months, stock market's taken a bit of a dip, even including some of the really good performing stuff like the gold gold funds, silver, and so on. Yep. One of the really interesting things that happened to your super was because of that Benelon option had kind of broke. No contributions were going into it as the market was going down, which is really good. It means your contributions weren't buying into it as it was going down. No. No. No. Yep. What that's done is it's actually pulled up quite a bit of cash sitting in your account that hasn't been affected by the markets. And now because the markets are down, as we rebalance all these options into the new ones, we can get all that cash into the investments now. Mhmm. Yeah. So by that one option kind of breaking, it's actually protected your super where 15 Yeah. percent of super hasn't Yeah. been touched. Yeah. Yeah. That's kind of a bit of a monopoly $200 in your favor from pass and go. Does that make sense? Yeah. Yeah. Yeah. Yeah.","start_word":1528,"end_word":1767,"sentiment":"neutral","sentiment_score":-0.06429128348827362},{"text":"Cool?","start_word":1768,"end_word":1768,"sentiment":"positive","sentiment_score":0.3361000418663025},{"text":"It does list out pros and cons of what I'm recommending and basically lower fees, better performance. The cons of that is anytime we switch investments in super, you pay a little bit of tax inside super under the hood, and I have to factor that in to make sure we don't cause too much like capital gains tax on your super. Yep. Yep. Yep. It's something that if you're in your old funds, you wouldn't notice it because it all happens under the hood. We've just got a bit more control over what we buy and sell. Yeah. I heard that. Yep. K? If you flick through there, there's a big, big table on page fourteen, fifteen with a lot of red text on it. I just wanna show you a couple of quick things on there if you can find that Oh, yeah. investment Yep. table for me. Yep.","start_word":1769,"end_word":1919,"sentiment":"neutral","sentiment_score":0.05333069573767138},{"text":"Cool.","start_word":1920,"end_word":1920,"sentiment":"positive","sentiment_score":0.3393622040748596},{"text":"So the top one, Bennelong concentrated equities, that was the problem one that we wanted to sell out of. The other Yes. options that are in the red are the ones that I'm kind of updating and replacing. Mhmm. And then underneath them, you'll be able to see the health care Australia 200, all of them in that are only in black. Yep. And on the next page, the main ones I wanted to point out, on that next page, you'll see at the top of the table, Alfiniti. That's your Benelon replacement. And then you've got a bit of a we've given you an allocation to gold as well, which you didn't previously have. Yep. Yeah.","start_word":1921,"end_word":2037,"sentiment":"neutral","sentiment_score":0.08242513239383698},{"text":"So gold's been doing fantastic. It was up, like, 500% the last year.","start_word":2038,"end_word":2050,"sentiment":"positive","sentiment_score":0.5203961133956909},{"text":"Obviously, it's coming back down a little bit, but pretty good to have a bit of we call it an alternative asset. It's Yep. not shares. It's not property. It gives you a bit more diversification, a bit more returns outside of the stock market. Yeah. Right. Yep.","start_word":2051,"end_word":2098,"sentiment":"neutral","sentiment_score":0.2359427809715271},{"text":"Cool.","start_word":2099,"end_word":2099,"sentiment":"positive","sentiment_score":0.4193984866142273},{"text":"So that's the portfolio in the colored pie chart on page 16. This is how it's gonna kind of look. There's a lot of red because we're going pretty heavy still into international shares, a little bit Mhmm. more than the Aussie side. You've still got some defensive. You've still got some fixed interest and some safer assets. But can you see that table underneath the pie chart where it's got asset allocation? Basically, you being in growth, that four out of five, you've gotta be around 80% growth assets. That's like your shares, property, and gold. Yep. We didn't wanna bump you up to high growth, which is 90 to a 100%. When Yep. you get close to retirement, we trim you down seventy, sixty, 50, Yep. 40 so that when you're 65, you're not losing half your super from a Yep. stock market crash. Yeah. Yep. Yep. K? The only thing of note is if you look at the bottom third of that table, you'll see in the existing column, cash, 16.87% currently Mhmm. existing, and we've proposed 1% in the recommended table. So that's basically that was Yep. all that cash that had pulled up, and we're putting most of it into some fixed interest, which is like safe stuff, term deposits, bonds, Yep. gets you good it gets you more than cash, but it's not like risking on the stock market. Yep.","start_word":2100,"end_word":2335,"sentiment":"neutral","sentiment_score":0.07373828845003903},{"text":"Cool.","start_word":2336,"end_word":2336,"sentiment":"positive","sentiment_score":0.33407342433929443},{"text":"So we're getting your funds invested, getting them moving, but we're not increasing your risk. Yep. Yep. Yep.","start_word":2337,"end_word":2354,"sentiment":"neutral","sentiment_score":0.26286837458610535},{"text":"Cool.","start_word":2355,"end_word":2355,"sentiment":"positive","sentiment_score":0.49301350116729736},{"text":"A bit of a fee comparison on the next page. It shows you a table there where we factored in that capital gains tax.","start_word":2356,"end_word":2379,"sentiment":"neutral","sentiment_score":0.2089293003082275},{"text":"You do save just under a thousand dollars.","start_word":2380,"end_word":2387,"sentiment":"positive","sentiment_score":0.35700416564941406},{"text":"It almost halves your investment fees with the options that we're updating you to. Oh, yeah. Performance difference at the bottom, you can see going backwards five years, your current pool was sitting at about eight to 9%, and Yep. the new one's kinda looking 12 to 13% per annum. Mhmm. K? So that's the difference in the portfolio performance going backwards. Obviously, you never know what's gonna happen going forward, but we're just saying in the same scenario, there was a big Yep. Yeah. Yep. projection update. Please take that on the next page with just a little bit of a grain of salt. You can see there a five and ten year projection going from 378,000 to 616,000 over the next ten years. That's provided that we still do get some really high double digit returns like the market just keeps going up long Mhmm. term. Yes. Benchmark for growth is nine to 10%. We've been averaging 12 to 14. That's great. If it continues, it's gonna have a huge difference. But what I'm saying is when I calculate your your retirement, I go pretty conservative with the figures. This is just based on those returns, though. Yes. K? The main main difference between them in that table just underneath it, there's a real big consistency difference between the two. You can see that your current Netwealth one, it kind of bounces between 5% for one year, 12 for three years, back down to eight for five years, whereas the one we're setting you up in has just been consistent, one, three, five, and ten. Yeah. Yeah. Yeah. That's kind of what I want for you, Super, at the moment is whatever's going on in the world, it's obviously gonna go up and down quite a bit, but at least consistent short and long term will get you there. Yeah. Yeah. Cool. That's pretty much it for the super side of things except for some contributions. Any questions on what we're doing with the investments? No. Not really. You know, it's pretty straightforward. Cool. Yeah. One thing that we mentioned before during the review was that we didn't want to take on more risk to get you to a comfortable retirement and also just to offset premiums because, obviously, insurance premiums come out of the super is we were talking about doing $400 a month of salary sacrifice into the super. So you put in 400 a month. It costs you about 300 after the tax differences.","start_word":2388,"end_word":2806,"sentiment":"neutral","sentiment_score":0.1038118735987133},{"text":"On your cash flow at the time, it was more than affordable.","start_word":2807,"end_word":2818,"sentiment":"positive","sentiment_score":0.3398108184337616},{"text":"Just double checking that you're still okay to put that in place if you haven't already done so. I haven't done it as yet, but, yeah, I do wanna do it. Yep. It's really just as simple as telling payroll to put in that much per month, and Yep. they will do it as they calculate your normal super contributions. They'll split Yep. it into two, but they can just bump it up when they shoot it through their accounting side of things. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Some employers make you fill out like a one page form. And if you need any details, we can send you an SGC form, but they've already got it. They're already paying in. It's just a matter of them getting the tick from you to bump it up a little bit. Yeah. Yeah. Yep.","start_word":2819,"end_word":2961,"sentiment":"neutral","sentiment_score":0.1420755833387375},{"text":"Cool.","start_word":2962,"end_word":2962,"sentiment":"positive","sentiment_score":0.4328323602676392},{"text":"Yep. There's a bit of a tax table underneath that just shows you if you put in a 4,800 a year salary sacrifice, it drops your taxable income down by that much, and you get taxed on what's left over. Yep. Yeah. Right. Yep. So the impact to your, I guess, your take home pay is basically 77,000 versus 74,000. So it impacted just over $3 a year by putting Yep. in just under 5. Yeah. Yeah. Yep. Cool. Yep. Outside of that, it's got the pros and cons of putting money into super, which again, super's taxed at 15%. You have to compound and get the returns there, but the consequence of doing that is that you're putting money in that's getting locked away. Yep. So as long as you're not sacrificing your goal to do the car restoration and pay off the mortgage, as long as what you're putting in, you can afford to wait until '60, '65 to access. Yeah. Yeah. Yeah. Is that alright? Yep.","start_word":2963,"end_word":3131,"sentiment":"neutral","sentiment_score":0.012496652081608772},{"text":"Cool. That's pretty much it for the advice, mate.","start_word":3132,"end_word":3140,"sentiment":"positive","sentiment_score":0.49286386370658875},{"text":"I've put in there a strategy after that just saying to keep your Neos insurances in place with your life, your t your income protection.","start_word":3141,"end_word":3165,"sentiment":"neutral","sentiment_score":0.27206218242645264},{"text":"I really wanna keep a very close eye on this one because, again, my ideal situation is to find something one to two thousand dollars cheaper for you.","start_word":3166,"end_word":3193,"sentiment":"positive","sentiment_score":0.3778369426727295},{"text":"But Yep. at the time, there's nothing that we can really replace it with just yet, but Yep. it wouldn't hurt to check it again in six months' time. Mhmm. Yep. K? The only thing I couldn't quite recall was obviously, when we had the health, we were talking about blood pressure at the time. You were having the scans and everything.","start_word":3194,"end_word":3255,"sentiment":"neutral","sentiment_score":-0.09897208213806152},{"text":"I don't believe you've got smokers' rights.","start_word":3256,"end_word":3262,"sentiment":"negative","sentiment_score":-0.48788416385650635},{"text":"You've been a nonsmoker the entire time or just the last sort of twelve to eighteen months? Sorry. Got it. Hello? I was just gonna ask you when it comes to, like, nicotine products, cigarettes vaping, Yeah. Yeah. have Yeah. you been a nonsmoker the entire, like, say, three, five, ten years, or is have you kind of recently Oh, quit yeah. the last year or No. so? No. No. He's not probably 15. I don't need something like that. Yep.","start_word":3263,"end_word":3343,"sentiment":"neutral","sentiment_score":-0.11375537514686584},{"text":"Perfect. Perfect.","start_word":3344,"end_word":3345,"sentiment":"positive","sentiment_score":0.4754020869731903},{"text":"I just couldn't see on here. Normally, I've got a note for whether the smokers rates or not, and, really, the pricing just comes down to age more than anything. No. Yep. Again, if you get that like, let's say the inheritance pays off the mortgage, you probably don't need a million dollars worth of life and TPD insurance. So if that happens, I would probably look to trim that down a little bit and do a bit of shopping around as well. Yeah. You're right. Yeah. Yeah. The only thing to factor in is because of, like, the blood pressure, the scans that you had done, is you would have Mhmm. to send away a pre assessment where they get a doctor's report just to check everything to make sure they're not gonna give you an exclusion or a loading or any bad terms. So I don't wanna try and switch your policy to save you some money, but then they put in there that you can't claim on this, that, and the Yep. other. Does that make sense? Yep. So what I'm kind of doing for you is I'm giving you a bit of a dedicated adviser as well as myself to kind of keep an eye on your file. And when we get to that next review point, we'll give you a call and talk about whether the inheritance has happened, whether we found any better insurers out there, and then we can look at updating it. Yeah. No. No. Yeah. Yep. Do you have any worries with what's there at the moment or anything that's kind of pressing that you really wanna sort of jump onto this now again? Or No. No. I don't think so. I think that's fine. Yep. K. Again, every year it changes, and anytime we do switch it, there's pro rata refunds, and there's a policy anniversary that'll happen each year. If we notice another big jump up, we'll probably have to have another chat about it. But, again, I really just wanna see how the super gets through the next six to twelve months because market's going crazy. I wanna see Yes. on the other tail end of this once it settles down how well it grows after that. Yep. Again, we just wanna keep the fees, like, reasonable and not have insurance to send you back with if the super is doing well. Mhmm. Cool. Mate, there's a bit of a reminder for the wills and power of attorney. One thing I mentioned to you last year for estate planning is that you can get will kits from the post office for $25. You can get Yes. an appointment with the the public trustee of the state, and a bit of information I sent through to you on that. Is that something you wanna get done this year probably before you jump to go talk to a solicitor? They Might have be probably worth. showed I'm probably sure of that. Yeah. So hang on. You're in Griffith, New South Wales. Yeah. So the public trustee for New South Wales, you know, the courts and everything, Yeah. they do set up wills the same as as a solicitor would. Yep. And, again, there's the post office as well. So unless things get really complicated with family and different assets and joint ownership and all the rest of it, if it's pretty simple, you could probably just talk to the trustee or go through the post office. Again, you can talk to a lawyer if you want, but, again, it's kind of how long is a piece of string with those guys. Yeah. Yeah. Yeah. Yep. Is there any information I can give you to kind of help out here, or is it really just about finding the Yeah. Pretty much. time? Yeah. I know On exactly the phone what you to mean. get down there. Yeah. No. That's alright. Look. Oh. It's one of those things that every every review, we touch on it just as a reminder. Yeah. Our next person you speak to, whether it's me or my colleague, we'll just remind you, hey. Look. Have you got that in place? Have you sorted that? Do you need any help? And, Yep. yeah, up to you. Yep. Yep. Got it. Yep. Cool. Everything else, we've got all of the ongoing fees are factored into the projections, commissions, all that kind of thing. Implementation table all the way down on page 34. Basically, we need your consent to switch the investments. Once you tick the go ahead here, we'll make Alright. the changes. Yep. Just talk to your employer about the salary sacrifice, 400 a month before tax. If you Mhmm. need any details, let us know, and the team can shoot through some more documents with payment details on there, but they already have it. Yes. Yeah. Yeah. Yep.","start_word":3346,"end_word":4166,"sentiment":"neutral","sentiment_score":0.0607956099651763},{"text":"Cool, mate. That's pretty much it.","start_word":4167,"end_word":4172,"sentiment":"positive","sentiment_score":0.4867888391017914},{"text":"Any questions for me? Not really. Uh-huh. Cool. This Odoo sign, because we went into the attachment, it does have a link that'll bring you through, like, the digital signing for the SOA. It's literally just the one authority to proceed to sign off on, and then our team can pretty much hop on and switch everything around on that well. Is that that's that's probably the link on the 30 miles up from the time? Yeah. That's right. So I attach it so you can read through it with me, but then that link will just pull you through to the spots to do the old squiggle or type the name in. So is that on this? One of all the other first one we're looking at on the main Dubai site. Oh, sorry. No. So not on the document itself, on the email body. So you should have got an email Oh, with those yeah. as Right attachments, up there. Right and up now. the email Yeah. will I have got one of it. those Yep. blue links. Right up. Yeah. Yep. I'll just found it. Yep. That's pulled up. When you get through to the end of it, it'll actually give you a pop up saying whether you wanna save a signed copy to your own records as well. Mhmm. So it's around on the bottom again. I was seeing the Yeah. Usually, with those digital sign ones, you either scroll right down to the bottom or oh, you yep. click, Got like, it. the next Yeah. button, and it'll pull you down. Yep. Click to stop. Yeah. And when you go click to start, it'll probably ask you for your consent to use electronic signature. You know, it's usually Yeah. your privacy Right. privacy Sign in. pop Yep. ups. Yep. So it's got my signature. Sign. Yeah. Think it's done.","start_word":4173,"end_word":4486,"sentiment":"neutral","sentiment_score":0.07838821733833119},{"text":"Validated. Perfect.","start_word":4487,"end_word":4488,"sentiment":"positive","sentiment_score":0.5394980311393738},{"text":"And, again, if you get that pop up just to download a copy for yourself, I'll just have a quick refresh, see if it's come through on my end. It says Yeah. sliding. Yeah. Yep. That's come through to us as well.","start_word":4489,"end_word":4530,"sentiment":"neutral","sentiment_score":0.19944323599338531},{"text":"Thank you for that, Grant. No worries. Awesome, mate.","start_word":4531,"end_word":4539,"sentiment":"positive","sentiment_score":0.7085003852844238},{"text":"Any questions for me before I let you go? No. All good.","start_word":4540,"end_word":4551,"sentiment":"neutral","sentiment_score":0.2648857533931732},{"text":"Thanks, Tommy. Awesome, dude. You have a fantastic week. I'll send you a bit of a message just with a heads up when the next review will be.","start_word":4552,"end_word":4579,"sentiment":"positive","sentiment_score":0.5155171751976013},{"text":"And, again, Yep. we'll just touch on the change of circumstances and insurances. In the meantime, you can talk to your employer about the contributions.","start_word":4580,"end_word":4604,"sentiment":"neutral","sentiment_score":0.16111509501934052},{"text":"We'll get the investment switched, and we're good to go. Sounds good. Alright, mate. Awesome. Have a fantastic week, mate. Cheers. See you later.","start_word":4605,"end_word":4628,"sentiment":"positive","sentiment_score":0.5893697142601013},{"text":"Bye. Bye.","start_word":4629,"end_word":4630,"sentiment":"neutral","sentiment_score":0.2304494082927704}],"average":{"sentiment":"neutral","sentiment_score":0.072770616461864}}}}