{"metadata":{"transaction_key":"deprecated","request_id":"01a01df4-f1cc-7b82-be19-8fe381321a80","sha256":"23825260a7f2595b7ae0b408bcaa1bfe8bc93232b22e857fc01ee4c7a761d1dd","created":"2026-08-20T06:56:29.842Z","duration":1378.512,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4761,"output_tokens":80},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5418,"output_tokens":5429},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5418,"output_tokens":744}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Ben. It's Tommy here from. How you been? I've got this updated document to flick through to you today. Will you be able to access your emails for me? Cool. Just while we're doing that, I'll just go through a quick security check with you. If I could grab your date of birth and address, sir. Sensational. And as always, calls are recorded, mate. Just let you know. Cool. Now I've got your AccuCreate Gmail up linked to your profile. Is that one okay? Beautiful. Alright. I'll pop this one through to you. It usually comes through pretty quick. I think you've already used this new system before, so it shouldn't go through to your spam box. It should go through your main inbox there. And just let me know when you see a few financial statement of advice. Alright. Give that another minute. And just so I can gauge time with you today, how long have I got you for today? Are you busy? Or cool. Now I probably wouldn't need more than fifteen or so, usually. But I do have so I've got your updated portfolio ready to go that I'm excited to run through with you. And I had the most fun time trying to investigate that broker you sent through to us, trying to find and hunt down your insurance policy if that rings a bell. Now I'll give you I'll I'll touch on that in a second when we've got the document but I've got a couple of ideas. But, mate, he I don't know who it was, but wouldn't answer the phone calls, text messages. We tried contacting him. We couldn't get it. And the funny thing too is it's come out of the super. So I saw the premium come out. So I've factored that into the document, like in the projections and everything. But I reckon it could be pretty comprehensive what he's put in place because it's in about March. Well, I've got a bit of an idea for that one. Has any email come through yet or or no luck? So just give me a quick second, and I'll just do a quick refresh. There we go into here. And I'll hit resend. There's a few supporting research documents along with it. There might be slightly bigger of a file. It may take a minute, but I'll see if that pops through. Yes. Yes. The old dental work. Yeah. Yeah. Oh, no fun. Yeah. So I actually did that for my son last year. It's about $5 of work done for my six year old, which was not too fun. Process four was basically, they always need, like, two doctors to sign off on it. So it's either if you've gone to a dentist and they've referred you to a specialist, that counts as two. Or if it's, like, the dentist and the GP, like, whatever combination kind of work. But, basically, two people fill out a a form about why you need it, and they usually say something along the lines of you can't wait for the public system because it's a bit of pain and discomfort and all that kind of thing. And then that gets sent through to the super fund, and they basically just get the authorization through you actually do it on myGov, and the government gives you the approval to get to the super fund. Yeah. If you want, I can give you a bit of a so next week, I can send you an info email that helps point you at the right direction. But have you seen two people for it yet or no? Yep. Good fun. Good fun. Oh, beautiful. So when you hop in there, there's usually, like, a purple sign button that brings open the document to look at. There's four of them. First one, you should see a Gold Coast Beachfront City picture on it. Yep. So when you pop in there, you should see the first one. It just lets you have a scroll through with me before you sign anything, and you can also skip around the documents as well. So if you just pop down to page was it three on this one? Okay. Page three. You'll see a scope of advice heading in blue. Cool. So main thing that we were doing, this is just updating the portfolio with the super. I did have a chat to you about sort of bumping up the the growth allocation a little bit, get you a bit more returns going, take a bit more risk on. The market kind of went a bit crazy around March. It started plummeting. So it's kind of good that we just held off for a little bit because probably don't wanna go high risk while it's crashing, if that makes sense. Yeah. Don't don't catch the falling knife as we say, or with our analogy. So good time for it, and I haven't gone too crazy with the risk of selling just a slight bump up. I'll show you that in a second. And the main thing here is because you're self employed, the the contributions weren't going in yet. We've got the premiums coming out, so we're just trying to get it going for you in the insurance that's still growing. Beautiful. It'll say estate planning there, which is just a reminder that, hey. Look. You don't have a will, power of attorney, beneficiaries, which get all that sorted as well. And on the next page, I've just got the insurance side of things. We were trying to review that policy, but we haven't been able to get the info for it yet. So, like, I haven't been able to give you a recommendation on it until I can figure it out. But I did do while I'm on the subject, I hunted through the back end through Netwealth, and they sent me through the holding funds that they take premium through for the insurer. And it actually came up with four possible insurers. So I'm just wondering while I've got you. There's a group of three, and there's also an insurer stand alone called AIA with the red logo. Do you, by any chance, recall the names Neos, Futura, or Encompass by any chance? No. That's totally fine. Yes. Yeah. Right. Did you end up getting the home one? Do it. Yeah. Yep. And that's one thing that I don't wanna kind of leave hanging forever kind of thing because 3,600 is a pretty big weight on the super for it to handle by itself. And if that policy is good, crap, I I wouldn't be able to tell you until I look at it. So what I'll do is we'll go through the portfolio now. I'm gonna flick an email afterwards with some info on the dental side of it. And then worst case scenario, all we've gotta do, I reckon, is call up this group, which they actually control all three of those insurers. And if you basically say, hey. Like, here's my name, date of birth, they'd be able to check all three to see if you have a policy with them. So if that's possible to do when you do have a moment, I'll include some info on that in an email, but that should get us the info that I need to have a look at it. And I've also got you paired with an adviser, Veronica, who's kind of gonna be a dedicated adviser for you as well. So either one of us is gonna basically dig dive into it as soon as we get the info. Cool. Next page on there. So we're not giving you any advice as is what's not in the document on home purchase budgeting, that kind of thing. You basically just keep handling that yourself and going through brokers when it's the right time at the right time. This is just purely focusing on the broker at the moment. Cool. Have a flick through for me. I just wanna see if there's been any major changes from the last info collection. So seven and eight has an about new section and assets and liabilities. So I've got you I think we rounded you off to be about a $100 as a concreter. I know we've just gone through tax time. Is that majorly different? Cool. Still self employed. Accurate there. We've got the truck, the u the Commodore, and the boat. Cool. And no other, like, debts, loans, personal loans, nothing like that at the moment. Still just trying to get through that home loan and, of course, the the dental work in between. Beautiful. Can you see on that page with the assets and liabilities with the truck and everything in? The third section there says your current risk protection in rate, and it's got a little box there. I was able to find out the cost of the insurances because it came out of the super. And, again, that's $3,670.53 before the 15% rebate. So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you. Fingers crossed. Cool. If you go down past there, so we've got risk profile. Again, I was talking about just bumping up to the high growth with you. So I'll go through that in a second. Page 10 has a bit of an exploded little colored pie chart about what high growth kinda looks like in terms of what you invested. But can you see there's a big block of text on page 11 under strategy recommendations? So what we've done in here is all the reasons for the changes that we're looking to do for the portfolio. So we're gonna keep Netwealth for the time being. It's got well over 700 investment options. There are plenty of options to work with. We did factor in a little bit of capital gains tax happens when you move investments within super around. So I've factored that in as well to make sure it's still worth doing. But we're also getting like, for example, if we switched everything now, it probably costs around $6.62 out of the super, but we'd be saving $730 a year in investment fee. So kind of make it back up in the first year just in fees alone. Again, I'm not projecting you out twenty two years because I can't tell what's gonna change in your life that far out, but I have done a good five to ten year projection for you. And the main thing, of course, is bumping up your growth allocation a little bit. That's gonna make it, you know, higher highs, lower lows. It's gonna have a higher long term return, but it's gonna have some bigger swings in in between. So just a reminder a quick reminder I'll do because you go through that annual review to see how it tracks. You can give it twelve months. Here we go. But when the market goes up, this portfolio tends to jump, like, ten, twenty, 30% in a year. And then once every six or seven years, market's gonna dip, and it's gonna drop down that 20%. So the idea is if we average it out over a decade and you're consistently getting, like, a 10% average, we're on track. Cool? If you go down, there's a table on the next page, advantages and disadvantages. Exactly what I just said, bit of capital gains tax, lower investment fees. We bump up the growth allocation. Performance is looking really good. The only other little thing is all of the investments we use with our view, they're ETF. So you've got to kind of pay a bit of brokerage fee to purchase them. And then once you've got them, they're the cheapest fees ongoing. Cool. So skip down a couple more pages for me. You'll see a blue table on pages fourteen and fifteen, and it should say, like, a fee comparison there. Cool. So we've got the top right for the difference of the $6.02. That's your capital gains tax popping out. Below that, you've got the investment fee drops by seven twenty nine. That's it's percentage based, so based on your current balance. But it basically chops off two thirds of your investment fees by switching to the ETFs that we've picked. If you look at the bottom, five year rolling average, basically, what was happening recently too is a lot of Australian investment and some of your safer options kind of weren't doing too well around the March period. So that was pulling your return down. If we switch all these back up, it'll bring you back up into the double digits from six to 12.22. Cool. On the next page, this is kind of the trajectory of projections here. Without the contributions going in and with that 3,600 coming out for the premium, if we kind of left everything as it was, you'd actually be going backwards, and we're projecting it would drop to, like, $1.30, $1.20, and just slowly get depleted in fees. But bumping up to high growth should actually offset that, and you should actually be back to growing it pretty fast. So we're predicting somewhere between 50 to $100 better off over five and ten years. Your safe balance won't actually get back into green again even if you don't put anything in. Cool. The major changes I wanted to just quickly show you, not to go too crazy with it, but page 16 is a big table red heading called investments. There's a lot of figures and percentages and dollar signs all over it if you can see that. Basically, all the options are on the left is kind of what you've got, what we're recommending. What I really wanted to show you was can you see that second last column called target weight percent? And it's got, like, those round figures below it, 7% zero zero. So all of the round figures are basically just being rebalanced back to where they should be. You know, if there were seven, they go back to eight and so on. The second and third one, Bennelong and Vanguard are the ones that I'm kind of removing. Bennelong with some Australian shares, Vanguard with some safe fixed interest, but both of them were kind of dragging their feet a little bit. But those are getting removed, and I'm putting in the two at the bottom. BetaShares Australia 200 and the IAF for composite bonds. So those two alone pretty much make the biggest difference. The rest of it is being brought back to the middle. Now what that kind of does for you as well is if you skip down two more pages, and we're at the last one here. There's a pie chart, colored pie chart, method allocation on page 18. And can you see in the middle row, it's got a gray bar and it says growth total. And if you go across, it goes ninety, eighty eight, 94. You basically want around about 90% growth assets if you're sitting in high growth. You're currently sitting at about 89. I'm just bumping you up about 5%. So 90 to a 100, you'd be sitting at 94. We're not going crazy with the risk. It's just a 5% swing from the, like, the bonds and fixed interest up to the shares and property in gold, but the rest of it is just switching out to bad apples. Cool. Any questions on that so far? Does it make sense? Beauty? Every other section after that is estate planning. So just a reminder, if we haven't already sorted out the paperwork to get your partner on this beneficiary for the Netwealth, I actually couldn't see the system is taking its time to load whether we actually put your partner on for the Netwealth super beneficiary yet. I'll have a flag with Michelle, and I might get her to put that document out here to update it. And the rest of it's pretty much just like why you should have a will and a power of attorney. I'm not gonna remind you about why you should do that. Services at the bottom, the our fees reiterated there as well. Our service agreement consent with Netwealth has expired, so I've just included that in there if you're still happy for us to look after things. The same agreement there, 1.65% of the fee. And we have brought in a a new tier fee structure for. So I want to just quickly update you on that one as well. Everyone above 300,000, we're starting to apply a percentage discount. So when you get between 200 and 0.5 a mil, it'll drop the the fee, and then from 0.5 a mil to a mil, it'll drop again. So I think you're sitting at about the $1.50 mark. Once you get to 200, it will start to drop. Cool. Outside of that, mate, I'm I'm happy to send you through an email with the info to get the the dental super access. Obviously, you understand the risk of taking a bit of money out of super can affect your super. Beautiful. And for that that policy, if we can tee up a bit of a time when you do have fifteen minutes to give Neos a call and see if they've got a policy for you, I'll basically tell you exactly what to say to them. Just jump on in the morning if you've got ten minutes spare before they get this long hold time, and they'll be able to check if there's one there. If there is one, we can get an info document from them, and I can deep dive it. Yeah. Yeah. And, again, if it's one of the things where it's too expensive and someone else is out there better, I can look at replacing it. If it's too high, too low, we can adjust it as well. Beauty. For this one, you should see some buttons on there to like, if you actually hit sign button, it'll bring you to the spot to put your signature and the date and the name, it'll stamp it for you. But there's also a button that says next document as well. So once you're done with this one, this is your authority to proceed consent. It'll give you the appendix with the research, the consent form with Netwealth, and then just the product disclosure document. That's the usual how big NetWealth at the moment. 66 pages of product info for your. So you don't have to scroll through all the 66 pages. You can skip through it. But but any questions for me, mate, before I let you go? Cool. If you do have a second, if you could just see if those buttons work for you to provide your consent, I'll get Connor and his team to jump on and switch your investments. I think they do a lot of the investment switching on a Friday, so I should be able to put it in for tomorrow's trade orders. And then I should have an email off to you end of Monday at the latest for that info. Beautiful, mate. I appreciate you taking the time. I won't keep you for the evening, but if you have any questions, give us a buzz. I'll split the email into two Just you've got one for the dental, one for the insurance, just to make it easy to search up with further down the line. No worries. Have a fantastic day, and I'll talk to you again soon. Thanks, man. 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day, Ben. It's Tommy here from. How you been? I've got this updated document to flick through to you today. Will you be able to access your emails for me?\n\nCool. Just while we're doing that, I'll just go through a quick security check with you. If I could grab your date of birth and address, sir. Sensational. And as always, calls are recorded, mate.\n\nJust let you know. Cool. Now I've got your AccuCreate Gmail up linked to your profile. Is that one okay? Beautiful.\n\nAlright. I'll pop this one through to you. It usually comes through pretty quick. I think you've already used this new system before, so it shouldn't go through to your spam box. It should go through your main inbox there.\n\nAnd just let me know when you see a few financial statement of advice. Alright. Give that another minute. And just so I can gauge time with you today, how long have I got you for today? Are you busy?\n\nOr cool. Now I probably wouldn't need more than fifteen or so, usually. But I do have so I've got your updated portfolio ready to go that I'm excited to run through with you. And I had the most fun time trying to investigate that broker you sent through to us, trying to find and hunt down your insurance policy if that rings a bell. Now I'll give you I'll I'll touch on that in a second when we've got the document but I've got a couple of ideas.\n\nBut, mate, he I don't know who it was, but wouldn't answer the phone calls, text messages. We tried contacting him. We couldn't get it. And the funny thing too is it's come out of the super. So I saw the premium come out.\n\nSo I've factored that into the document, like in the projections and everything. But I reckon it could be pretty comprehensive what he's put in place because it's in about March. Well, I've got a bit of an idea for that one. Has any email come through yet or or no luck? So just give me a quick second, and I'll just do a quick refresh.\n\nThere we go into here. And I'll hit resend. There's a few supporting research documents along with it. There might be slightly bigger of a file. It may take a minute, but I'll see if that pops through.\n\nYes. Yes. The old dental work. Yeah. Yeah.\n\nOh, no fun. Yeah. So I actually did that for my son last year. It's about $5 of work done for my six year old, which was not too fun. Process four was basically, they always need, like, two doctors to sign off on it.\n\nSo it's either if you've gone to a dentist and they've referred you to a specialist, that counts as two. Or if it's, like, the dentist and the GP, like, whatever combination kind of work. But, basically, two people fill out a a form about why you need it, and they usually say something along the lines of you can't wait for the public system because it's a bit of pain and discomfort and all that kind of thing. And then that gets sent through to the super fund, and they basically just get the authorization through you actually do it on myGov, and the government gives you the approval to get to the super fund. Yeah.\n\nIf you want, I can give you a bit of a so next week, I can send you an info email that helps point you at the right direction. But have you seen two people for it yet or no? Yep. Good fun. Good fun.\n\nOh, beautiful. So when you hop in there, there's usually, like, a purple sign button that brings open the document to look at. There's four of them. First one, you should see a Gold Coast Beachfront City picture on it. Yep.\n\nSo when you pop in there, you should see the first one. It just lets you have a scroll through with me before you sign anything, and you can also skip around the documents as well. So if you just pop down to page was it three on this one? Okay. Page three.\n\nYou'll see a scope of advice heading in blue. Cool. So main thing that we were doing, this is just updating the portfolio with the super. I did have a chat to you about sort of bumping up the the growth allocation a little bit, get you a bit more returns going, take a bit more risk on. The market kind of went a bit crazy around March.\n\nIt started plummeting. So it's kind of good that we just held off for a little bit because probably don't wanna go high risk while it's crashing, if that makes sense. Yeah. Don't don't catch the falling knife as we say, or with our analogy. So good time for it, and I haven't gone too crazy with the risk of selling just a slight bump up.\n\nI'll show you that in a second. And the main thing here is because you're self employed, the the contributions weren't going in yet. We've got the premiums coming out, so we're just trying to get it going for you in the insurance that's still growing. Beautiful. It'll say estate planning there, which is just a reminder that, hey.\n\nLook. You don't have a will, power of attorney, beneficiaries, which get all that sorted as well. And on the next page, I've just got the insurance side of things. We were trying to review that policy, but we haven't been able to get the info for it yet. So, like, I haven't been able to give you a recommendation on it until I can figure it out.\n\nBut I did do while I'm on the subject, I hunted through the back end through Netwealth, and they sent me through the holding funds that they take premium through for the insurer. And it actually came up with four possible insurers. So I'm just wondering while I've got you. There's a group of three, and there's also an insurer stand alone called AIA with the red logo. Do you, by any chance, recall the names Neos, Futura, or Encompass by any chance?\n\nNo. That's totally fine. Yes. Yeah. Right.\n\nDid you end up getting the home one? Do it. Yeah. Yep. And that's one thing that I don't wanna kind of leave hanging forever kind of thing because 3,600 is a pretty big weight on the super for it to handle by itself.\n\nAnd if that policy is good, crap, I I wouldn't be able to tell you until I look at it. So what I'll do is we'll go through the portfolio now. I'm gonna flick an email afterwards with some info on the dental side of it. And then worst case scenario, all we've gotta do, I reckon, is call up this group, which they actually control all three of those insurers. And if you basically say, hey.\n\nLike, here's my name, date of birth, they'd be able to check all three to see if you have a policy with them. So if that's possible to do when you do have a moment, I'll include some info on that in an email, but that should get us the info that I need to have a look at it. And I've also got you paired with an adviser, Veronica, who's kind of gonna be a dedicated adviser for you as well. So either one of us is gonna basically dig dive into it as soon as we get the info. Cool.\n\nNext page on there. So we're not giving you any advice as is what's not in the document on home purchase budgeting, that kind of thing. You basically just keep handling that yourself and going through brokers when it's the right time at the right time. This is just purely focusing on the broker at the moment. Cool.\n\nHave a flick through for me. I just wanna see if there's been any major changes from the last info collection. So seven and eight has an about new section and assets and liabilities. So I've got you I think we rounded you off to be about a $100 as a concreter. I know we've just gone through tax time.\n\nIs that majorly different? Cool. Still self employed. Accurate there. We've got the truck, the u the Commodore, and the boat.\n\nCool. And no other, like, debts, loans, personal loans, nothing like that at the moment. Still just trying to get through that home loan and, of course, the the dental work in between. Beautiful. Can you see on that page with the assets and liabilities with the truck and everything in?\n\nThe third section there says your current risk protection in rate, and it's got a little box there. I was able to find out the cost of the insurances because it came out of the super. And, again, that's $3,670.53 before the 15% rebate. So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you. Fingers crossed.\n\nCool. If you go down past there, so we've got risk profile. Again, I was talking about just bumping up to the high growth with you. So I'll go through that in a second. Page 10 has a bit of an exploded little colored pie chart about what high growth kinda looks like in terms of what you invested.\n\nBut can you see there's a big block of text on page 11 under strategy recommendations? So what we've done in here is all the reasons for the changes that we're looking to do for the portfolio. So we're gonna keep Netwealth for the time being. It's got well over 700 investment options. There are plenty of options to work with.\n\nWe did factor in a little bit of capital gains tax happens when you move investments within super around. So I've factored that in as well to make sure it's still worth doing. But we're also getting like, for example, if we switched everything now, it probably costs around $6.62 out of the super, but we'd be saving $730 a year in investment fee. So kind of make it back up in the first year just in fees alone. Again, I'm not projecting you out twenty two years because I can't tell what's gonna change in your life that far out, but I have done a good five to ten year projection for you.\n\nAnd the main thing, of course, is bumping up your growth allocation a little bit. That's gonna make it, you know, higher highs, lower lows. It's gonna have a higher long term return, but it's gonna have some bigger swings in in between. So just a reminder a quick reminder I'll do because you go through that annual review to see how it tracks. You can give it twelve months.\n\nHere we go. But when the market goes up, this portfolio tends to jump, like, ten, twenty, 30% in a year. And then once every six or seven years, market's gonna dip, and it's gonna drop down that 20%. So the idea is if we average it out over a decade and you're consistently getting, like, a 10% average, we're on track. Cool?\n\nIf you go down, there's a table on the next page, advantages and disadvantages. Exactly what I just said, bit of capital gains tax, lower investment fees. We bump up the growth allocation. Performance is looking really good. The only other little thing is all of the investments we use with our view, they're ETF.\n\nSo you've got to kind of pay a bit of brokerage fee to purchase them. And then once you've got them, they're the cheapest fees ongoing. Cool. So skip down a couple more pages for me. You'll see a blue table on pages fourteen and fifteen, and it should say, like, a fee comparison there.\n\nCool. So we've got the top right for the difference of the $6.02. That's your capital gains tax popping out. Below that, you've got the investment fee drops by seven twenty nine. That's it's percentage based, so based on your current balance.\n\nBut it basically chops off two thirds of your investment fees by switching to the ETFs that we've picked. If you look at the bottom, five year rolling average, basically, what was happening recently too is a lot of Australian investment and some of your safer options kind of weren't doing too well around the March period. So that was pulling your return down. If we switch all these back up, it'll bring you back up into the double digits from six to 12.22. Cool.\n\nOn the next page, this is kind of the trajectory of projections here. Without the contributions going in and with that 3,600 coming out for the premium, if we kind of left everything as it was, you'd actually be going backwards, and we're projecting it would drop to, like, $1.30, $1.20, and just slowly get depleted in fees. But bumping up to high growth should actually offset that, and you should actually be back to growing it pretty fast. So we're predicting somewhere between 50 to $100 better off over five and ten years. Your safe balance won't actually get back into green again even if you don't put anything in.\n\nCool. The major changes I wanted to just quickly show you, not to go too crazy with it, but page 16 is a big table red heading called investments. There's a lot of figures and percentages and dollar signs all over it if you can see that. Basically, all the options are on the left is kind of what you've got, what we're recommending. What I really wanted to show you was can you see that second last column called target weight percent?\n\nAnd it's got, like, those round figures below it, 7% zero zero. So all of the round figures are basically just being rebalanced back to where they should be. You know, if there were seven, they go back to eight and so on. The second and third one, Bennelong and Vanguard are the ones that I'm kind of removing. Bennelong with some Australian shares, Vanguard with some safe fixed interest, but both of them were kind of dragging their feet a little bit.\n\nBut those are getting removed, and I'm putting in the two at the bottom. BetaShares Australia 200 and the IAF for composite bonds. So those two alone pretty much make the biggest difference. The rest of it is being brought back to the middle. Now what that kind of does for you as well is if you skip down two more pages, and we're at the last one here.\n\nThere's a pie chart, colored pie chart, method allocation on page 18. And can you see in the middle row, it's got a gray bar and it says growth total. And if you go across, it goes ninety, eighty eight, 94. You basically want around about 90% growth assets if you're sitting in high growth. You're currently sitting at about 89.\n\nI'm just bumping you up about 5%. So 90 to a 100, you'd be sitting at 94. We're not going crazy with the risk. It's just a 5% swing from the, like, the bonds and fixed interest up to the shares and property in gold, but the rest of it is just switching out to bad apples. Cool.\n\nAny questions on that so far? Does it make sense? Beauty? Every other section after that is estate planning. So just a reminder, if we haven't already sorted out the paperwork to get your partner on this beneficiary for the Netwealth, I actually couldn't see the system is taking its time to load whether we actually put your partner on for the Netwealth super beneficiary yet.\n\nI'll have a flag with Michelle, and I might get her to put that document out here to update it. And the rest of it's pretty much just like why you should have a will and a power of attorney. I'm not gonna remind you about why you should do that. Services at the bottom, the our fees reiterated there as well. Our service agreement consent with Netwealth has expired, so I've just included that in there if you're still happy for us to look after things.\n\nThe same agreement there, 1.65% of the fee. And we have brought in a a new tier fee structure for. So I want to just quickly update you on that one as well. Everyone above 300,000, we're starting to apply a percentage discount. So when you get between 200 and 0.5 a mil, it'll drop the the fee, and then from 0.5 a mil to a mil, it'll drop again.\n\nSo I think you're sitting at about the $1.50 mark. Once you get to 200, it will start to drop. Cool. Outside of that, mate, I'm I'm happy to send you through an email with the info to get the the dental super access. Obviously, you understand the risk of taking a bit of money out of super can affect your super.\n\nBeautiful. And for that that policy, if we can tee up a bit of a time when you do have fifteen minutes to give Neos a call and see if they've got a policy for you, I'll basically tell you exactly what to say to them. Just jump on in the morning if you've got ten minutes spare before they get this long hold time, and they'll be able to check if there's one there. If there is one, we can get an info document from them, and I can deep dive it. Yeah.\n\nYeah. And, again, if it's one of the things where it's too expensive and someone else is out there better, I can look at replacing it. If it's too high, too low, we can adjust it as well. Beauty. For this one, you should see some buttons on there to like, if you actually hit sign button, it'll bring you to the spot to put your signature and the date and the name, it'll stamp it for you.\n\nBut there's also a button that says next document as well. So once you're done with this one, this is your authority to proceed consent. It'll give you the appendix with the research, the consent form with Netwealth, and then just the product disclosure document. That's the usual how big NetWealth at the moment. 66 pages of product info for your.\n\nSo you don't have to scroll through all the 66 pages. You can skip through it. But but any questions for me, mate, before I let you go? Cool. If you do have a second, if you could just see if those buttons work for you to provide your consent, I'll get Connor and his team to jump on and switch your investments.\n\nI think they do a lot of the investment switching on a Friday, so I should be able to put it in for tomorrow's trade orders. And then I should have an email off to you end of Monday at the latest for that info. Beautiful, mate. I appreciate you taking the time. I won't keep you for the evening, but if you have any questions, give us a buzz.\n\nI'll split the email into two Just you've got one for the dental, one for the insurance, just to make it easy to search up with further down the line. No worries. Have a fantastic day, and I'll talk to you again soon. Thanks, man. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Ben.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.21614867448806763},{"text":"It's Tommy here from.","start":4.16,"end":5.46,"sentiment":"neutral","sentiment_score":0.15213032066822052},{"text":"How you been?","start":5.6,"end":6.42,"sentiment":"neutral","sentiment_score":0.11541049679120381},{"text":"I've got this updated document to flick through to you today.","start":9.599999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.28774749961766327},{"text":"Will you be able to access your emails for me?","start":13.599999,"end":15.615,"sentiment":"neutral","sentiment_score":0.1119962677359581}],"sentiment":"neutral","sentiment_score":0.18994786998917979,"num_words":31,"start":3.6,"end":15.615},{"sentences":[{"text":"Cool.","start":19.695,"end":20.195,"sentiment":"neutral","sentiment_score":0.20596161484718323},{"text":"Just while we're doing that, I'll just go through a quick security check with you.","start":20.414999,"end":24.275,"sentiment":"neutral","sentiment_score":0.11591603259245555},{"text":"If I could grab your date of birth and address, sir.","start":24.654999,"end":27.314999,"sentiment":"neutral","sentiment_score":0.05955526740713553},{"text":"Sensational.","start":34.16,"end":34.66,"sentiment":"neutral","sentiment_score":0.0954904928803444},{"text":"And as always, calls are recorded, mate.","start":35.04,"end":36.96,"sentiment":"neutral","sentiment_score":0.0767653573836599}],"sentiment":"neutral","sentiment_score":0.09236165827938489,"num_words":35,"start":19.695,"end":36.96},{"sentences":[{"text":"Just let you know.","start":36.96,"end":37.940002,"sentiment":"neutral","sentiment_score":0.08686703629791737},{"text":"Cool.","start":40.64,"end":40.8,"sentiment":"neutral","sentiment_score":0.2702002227306366},{"text":"Now I've got your AccuCreate Gmail up linked to your profile.","start":40.8,"end":46.985,"sentiment":"neutral","sentiment_score":0.17999524149027737},{"text":"Is that one okay?","start":47.125,"end":48.184998,"sentiment":"neutral","sentiment_score":0.12082897499203682},{"text":"Beautiful.","start":52.964996,"end":53.464996,"sentiment":"positive","sentiment_score":0.5487879514694214}],"sentiment":"neutral","sentiment_score":0.1728438036072822,"num_words":21,"start":36.96,"end":53.464996},{"sentences":[{"text":"Alright.","start":53.605,"end":53.925,"sentiment":"neutral","sentiment_score":0.33282870054244995},{"text":"I'll pop this one through to you.","start":53.925,"end":55.945,"sentiment":"neutral","sentiment_score":0.2780999562570027},{"text":"It usually comes through pretty quick.","start":56.164997,"end":57.84,"sentiment":"neutral","sentiment_score":0.24192297458648682},{"text":"I think you've already used this new system before, so it shouldn't go through to your spam box.","start":58.4,"end":63.22,"sentiment":"neutral","sentiment_score":0.17413689816991487},{"text":"It should go through your main inbox there.","start":63.28,"end":65.22,"sentiment":"neutral","sentiment_score":0.15186520479619503}],"sentiment":"neutral","sentiment_score":0.20201130118221045,"num_words":40,"start":53.605,"end":65.22},{"sentences":[{"text":"And just let me know when you see a few financial statement of advice.","start":65.68,"end":69.855,"sentiment":"neutral","sentiment_score":0.054823619845722406},{"text":"Alright.","start":90.91,"end":91.41,"sentiment":"neutral","sentiment_score":-0.001323949545621872},{"text":"Give that another minute.","start":91.55,"end":92.770004,"sentiment":"neutral","sentiment_score":-0.005961786024272442},{"text":"And just so I can gauge time with you today, how long have I got you for today?","start":95.90501,"end":99.345,"sentiment":"neutral","sentiment_score":-0.005694124123288525},{"text":"Are you busy?","start":99.345,"end":99.90501,"sentiment":"neutral","sentiment_score":-0.057394796361525856}],"sentiment":"neutral","sentiment_score":0.011692024022340774,"num_words":40,"start":65.68,"end":99.90501},{"sentences":[{"text":"Or cool.","start":99.90501,"end":103.745,"sentiment":"neutral","sentiment_score":-0.041006023064255714},{"text":"Now I probably wouldn't need more than fifteen or so, usually.","start":103.745,"end":107.365005,"sentiment":"neutral","sentiment_score":-0.11373133889653465},{"text":"But I do have so I've got your updated portfolio ready to go that I'm excited to run through with you.","start":108.12,"end":116.84,"sentiment":"neutral","sentiment_score":0.2049745771856535},{"text":"And I had the most fun time trying to investigate that broker you sent through to us, trying to find and hunt down your insurance policy if that rings a bell.","start":116.84,"end":126.575,"sentiment":"neutral","sentiment_score":0.05020603729832557},{"text":"Now I'll give you I'll I'll touch on that in a second when we've got the document but I've got a couple of ideas.","start":128.39499,"end":133.69,"sentiment":"neutral","sentiment_score":-0.06368091857681672}],"sentiment":"neutral","sentiment_score":0.03370173547542497,"num_words":89,"start":99.90501,"end":133.69},{"sentences":[{"text":"But, mate, he I don't know who it was, but wouldn't answer the phone calls, text messages.","start":133.69,"end":139.12999,"sentiment":"neutral","sentiment_score":-0.2920176676091026},{"text":"We tried contacting him.","start":139.12999,"end":140.25,"sentiment":"neutral","sentiment_score":-0.2917901761829853},{"text":"We couldn't get it.","start":140.25,"end":141.23,"sentiment":"negative","sentiment_score":-0.37154078483581543},{"text":"And the funny thing too is it's come out of the super.","start":147.005,"end":150.30501,"sentiment":"neutral","sentiment_score":0.22741461296876272},{"text":"So I saw the premium come out.","start":150.605,"end":152.045,"sentiment":"neutral","sentiment_score":0.3024825709206717}],"sentiment":"neutral","sentiment_score":-0.06298342821272937,"num_words":44,"start":133.69,"end":152.045},{"sentences":[{"text":"So I've factored that into the document, like in the projections and everything.","start":152.045,"end":155.505,"sentiment":"neutral","sentiment_score":0.21738818631722376},{"text":"But I reckon it could be pretty comprehensive what he's put in place because it's in about March.","start":156.125,"end":162.38501,"sentiment":"neutral","sentiment_score":0.2611976671550009},{"text":"Well, I've got a bit of an idea for that one.","start":168.01999,"end":169.93999,"sentiment":"neutral","sentiment_score":0.11634398996829987},{"text":"Has any email come through yet or or no luck?","start":169.93999,"end":172.28,"sentiment":"neutral","sentiment_score":-0.040569236129522325},{"text":"So just give me a quick second, and I'll just do a quick refresh.","start":175.37999,"end":178.76,"sentiment":"neutral","sentiment_score":-0.09748184654329504}],"sentiment":"neutral","sentiment_score":0.1066204561767253,"num_words":66,"start":152.045,"end":178.76},{"sentences":[{"text":"There we go into here.","start":181.515,"end":182.975,"sentiment":"neutral","sentiment_score":0.020948756858706473},{"text":"And I'll hit resend.","start":185.035,"end":189.615,"sentiment":"neutral","sentiment_score":0.02658672956749797},{"text":"There's a few supporting research documents along with it.","start":194.25,"end":197.45,"sentiment":"neutral","sentiment_score":0.02575770662062698},{"text":"There might be slightly bigger of a file.","start":197.45,"end":199.37,"sentiment":"neutral","sentiment_score":-0.05721846129745245},{"text":"It may take a minute, but I'll see if that pops through.","start":199.37,"end":202.51,"sentiment":"neutral","sentiment_score":0.03797013824805617}],"sentiment":"neutral","sentiment_score":0.011600106072268988,"num_words":38,"start":181.515,"end":202.51},{"sentences":[{"text":"Yes.","start":217.94499,"end":218.345,"sentiment":"neutral","sentiment_score":0.03863928094506264},{"text":"Yes.","start":218.345,"end":218.58499,"sentiment":"neutral","sentiment_score":0.007761446759104729},{"text":"The old dental work.","start":218.58499,"end":219.625,"sentiment":"neutral","sentiment_score":-0.14832554757595062},{"text":"Yeah.","start":219.625,"end":219.785,"sentiment":"neutral","sentiment_score":-0.08872614800930023},{"text":"Yeah.","start":219.785,"end":220.23,"sentiment":"neutral","sentiment_score":-0.10847683250904085}],"sentiment":"neutral","sentiment_score":-0.09301305538974702,"num_words":8,"start":217.94499,"end":220.23},{"sentences":[{"text":"Oh, no fun.","start":230.23,"end":231.12999,"sentiment":"negative","sentiment_score":-0.4496453603108724},{"text":"Yeah.","start":241.885,"end":242.125,"sentiment":"neutral","sentiment_score":0.03517025709152222},{"text":"So I actually did that for my son last year.","start":242.125,"end":246.065,"sentiment":"neutral","sentiment_score":0.1428075149655342},{"text":"It's about $5 of work done for my six year old, which was not too fun.","start":246.125,"end":251.9,"sentiment":"neutral","sentiment_score":0.04514219821430743},{"text":"Process four was basically, they always need, like, two doctors to sign off on it.","start":252.92,"end":259.47998,"sentiment":"neutral","sentiment_score":-0.06093586832284927}],"sentiment":"neutral","sentiment_score":-0.0017211895022127364,"num_words":45,"start":230.23,"end":259.47998},{"sentences":[{"text":"So it's either if you've gone to a dentist and they've referred you to a specialist, that counts as two.","start":259.47998,"end":266.25497,"sentiment":"neutral","sentiment_score":-0.03440596787258983},{"text":"Or if it's, like, the dentist and the GP, like, whatever combination kind of work.","start":266.25497,"end":271.31497,"sentiment":"neutral","sentiment_score":-0.025935376187165578},{"text":"But, basically, two people fill out a a form about why you need it, and they usually say something along the lines of you can't wait for the public system because it's a bit of pain and discomfort and all that kind of thing.","start":271.455,"end":283.67,"sentiment":"neutral","sentiment_score":-0.20091396536339412},{"text":"And then that gets sent through to the super fund, and they basically just get the authorization through you actually do it on myGov, and the government gives you the approval to get to the super fund.","start":284.05002,"end":297.48502,"sentiment":"neutral","sentiment_score":0.07447123003972543},{"text":"Yeah.","start":300.265,"end":300.765,"sentiment":"neutral","sentiment_score":0.08547740429639816}],"sentiment":"neutral","sentiment_score":-0.060482491969934896,"num_words":117,"start":259.47998,"end":300.765},{"sentences":[{"text":"If you want, I can give you a bit of a so next week, I can send you an info email that helps point you at the right direction.","start":300.825,"end":306.72,"sentiment":"neutral","sentiment_score":0.1389465536279925},{"text":"But have you seen two people for it yet or no?","start":306.72,"end":309.69998,"sentiment":"neutral","sentiment_score":-0.04007867452773181},{"text":"Yep.","start":317.91998,"end":318.31998,"sentiment":"neutral","sentiment_score":0.17518477141857147},{"text":"Good fun.","start":318.31998,"end":318.8,"sentiment":"positive","sentiment_score":0.47526147961616516},{"text":"Good fun.","start":318.8,"end":319.485,"sentiment":"positive","sentiment_score":0.593745082616806}],"sentiment":"neutral","sentiment_score":0.13115072291758326,"num_words":45,"start":300.825,"end":319.485},{"sentences":[{"text":"Oh, beautiful.","start":323.245,"end":323.905,"sentiment":"positive","sentiment_score":0.512277752161026},{"text":"So when you hop in there, there's usually, like, a purple sign button that brings open the document to look at.","start":323.965,"end":329.56497,"sentiment":"neutral","sentiment_score":0.07411746875870795},{"text":"There's four of them.","start":329.56497,"end":330.78497,"sentiment":"neutral","sentiment_score":0.043004535138607025},{"text":"First one, you should see a Gold Coast Beachfront City picture on it.","start":330.84497,"end":334.65,"sentiment":"neutral","sentiment_score":0.06645669071720196},{"text":"Yep.","start":345.49503,"end":345.73502,"sentiment":"neutral","sentiment_score":0.0660937950015068}],"sentiment":"neutral","sentiment_score":0.08983100641791414,"num_words":41,"start":323.245,"end":345.73502},{"sentences":[{"text":"So when you pop in there, you should see the first one.","start":345.73502,"end":347.73502,"sentiment":"neutral","sentiment_score":0.06955912026266257},{"text":"It just lets you have a scroll through with me before you sign anything, and you can also skip around the documents as well.","start":347.73502,"end":353.815,"sentiment":"neutral","sentiment_score":0.07642169094954927},{"text":"So if you just pop down to page was it three on this one?","start":353.815,"end":357.73502,"sentiment":"neutral","sentiment_score":0.0306512854461159},{"text":"Okay.","start":357.73502,"end":358.05502,"sentiment":"neutral","sentiment_score":0.018998071551322937},{"text":"Page three.","start":358.05502,"end":358.77,"sentiment":"neutral","sentiment_score":0.014997065998613834}],"sentiment":"neutral","sentiment_score":0.059376230674251074,"num_words":53,"start":345.73502,"end":358.77},{"sentences":[{"text":"You'll see a scope of advice heading in blue.","start":359.16998,"end":362.94998,"sentiment":"neutral","sentiment_score":0.044990770518779755},{"text":"Cool.","start":364.77,"end":365.16998,"sentiment":"neutral","sentiment_score":0.2481844127178192},{"text":"So main thing that we were doing, this is just updating the portfolio with the super.","start":365.16998,"end":370.06998,"sentiment":"neutral","sentiment_score":0.1179706824477762},{"text":"I did have a chat to you about sort of bumping up the the growth allocation a little bit, get you a bit more returns going, take a bit more risk on.","start":370.53,"end":379.39502,"sentiment":"neutral","sentiment_score":0.03088881738949567},{"text":"The market kind of went a bit crazy around March.","start":380.17502,"end":382.335,"sentiment":"neutral","sentiment_score":-0.2594373360276222}],"sentiment":"neutral","sentiment_score":0.013745603863807285,"num_words":68,"start":359.16998,"end":382.335},{"sentences":[{"text":"It started plummeting.","start":382.335,"end":383.315,"sentiment":"neutral","sentiment_score":-0.32981911301612854},{"text":"So it's kind of good that we just held off for a little bit because probably don't wanna go high risk while it's crashing, if that makes sense.","start":383.535,"end":390.46,"sentiment":"neutral","sentiment_score":-0.1618466502321618},{"text":"Yeah.","start":393.56,"end":393.8,"sentiment":"neutral","sentiment_score":-0.09142309427261353},{"text":"Don't don't catch the falling knife as we say, or with our analogy.","start":393.8,"end":397.34,"sentiment":"neutral","sentiment_score":-0.12482377944084314},{"text":"So good time for it, and I haven't gone too crazy with the risk of selling just a slight bump up.","start":398.865,"end":403.185,"sentiment":"neutral","sentiment_score":0.19831208849237078}],"sentiment":"neutral","sentiment_score":-0.04652639263958642,"num_words":66,"start":382.335,"end":403.185},{"sentences":[{"text":"I'll show you that in a second.","start":403.185,"end":404.485,"sentiment":"neutral","sentiment_score":0.14528972974845342},{"text":"And the main thing here is because you're self employed, the the contributions weren't going in yet.","start":405.025,"end":409.985,"sentiment":"neutral","sentiment_score":0.10879488289356232},{"text":"We've got the premiums coming out, so we're just trying to get it going for you in the insurance that's still growing.","start":409.985,"end":415.93,"sentiment":"neutral","sentiment_score":0.20477638732303272},{"text":"Beautiful.","start":417.99,"end":418.49,"sentiment":"positive","sentiment_score":0.6847777962684631},{"text":"It'll say estate planning there, which is just a reminder that, hey.","start":419.27,"end":422.71,"sentiment":"neutral","sentiment_score":0.2882511330147584}],"sentiment":"neutral","sentiment_score":0.19517649205054266,"num_words":59,"start":403.185,"end":422.71},{"sentences":[{"text":"Look.","start":422.71,"end":422.87,"sentiment":"neutral","sentiment_score":0.1557220220565796},{"text":"You don't have a will, power of attorney, beneficiaries, which get all that sorted as well.","start":422.87,"end":427.005,"sentiment":"neutral","sentiment_score":0.16909764613956213},{"text":"And on the next page, I've just got the insurance side of things.","start":427.965,"end":431.505,"sentiment":"neutral","sentiment_score":0.043953477763212644},{"text":"We were trying to review that policy, but we haven't been able to get the info for it yet.","start":431.565,"end":435.64502,"sentiment":"neutral","sentiment_score":-0.0024897651746869087},{"text":"So, like, I haven't been able to give you a recommendation on it until I can figure it out.","start":435.64502,"end":439.62,"sentiment":"neutral","sentiment_score":-0.009065803189418818}],"sentiment":"neutral","sentiment_score":0.047251820180784256,"num_words":68,"start":422.71,"end":439.62},{"sentences":[{"text":"But I did do while I'm on the subject, I hunted through the back end through Netwealth, and they sent me through the holding funds that they take premium through for the insurer.","start":443.13998,"end":454.45502,"sentiment":"neutral","sentiment_score":0.049539846565687294},{"text":"And it actually came up with four possible insurers.","start":454.99503,"end":458.77502,"sentiment":"neutral","sentiment_score":0.01801510900259018},{"text":"So I'm just wondering while I've got you.","start":459.315,"end":461.575,"sentiment":"neutral","sentiment_score":0.0341564875561744},{"text":"There's a group of three, and there's also an insurer stand alone called AIA with the red logo.","start":462.755,"end":469.62,"sentiment":"neutral","sentiment_score":0.03328599822190073},{"text":"Do you, by any chance, recall the names Neos, Futura, or Encompass by any chance?","start":470.08,"end":478.215,"sentiment":"neutral","sentiment_score":0.019055282262464366}],"sentiment":"neutral","sentiment_score":0.03560457855507911,"num_words":83,"start":443.13998,"end":478.215},{"sentences":[{"text":"No.","start":483.175,"end":483.495,"sentiment":"neutral","sentiment_score":-0.10175670683383942},{"text":"That's totally fine.","start":483.495,"end":484.555,"sentiment":"neutral","sentiment_score":-0.06749945630629857},{"text":"Yes.","start":500.67,"end":501.17,"sentiment":"neutral","sentiment_score":0.08046521246433258},{"text":"Yeah.","start":517.645,"end":517.805,"sentiment":"neutral","sentiment_score":-0.03851386159658432},{"text":"Right.","start":517.805,"end":517.96497,"sentiment":"neutral","sentiment_score":-0.027779174968600273}],"sentiment":"neutral","sentiment_score":-0.041440414264798164,"num_words":7,"start":483.175,"end":517.96497},{"sentences":[{"text":"Did you end up getting the home one?","start":517.96497,"end":519.42,"sentiment":"neutral","sentiment_score":-0.07549820840358734},{"text":"Do it.","start":523.57996,"end":524.39996,"sentiment":"neutral","sentiment_score":0.00011189281940460205},{"text":"Yeah.","start":553.61005,"end":553.93005,"sentiment":"neutral","sentiment_score":-0.07114722579717636},{"text":"Yep.","start":553.93005,"end":554.17004,"sentiment":"neutral","sentiment_score":-0.04250052198767662},{"text":"And that's one thing that I don't wanna kind of leave hanging forever kind of thing because 3,600 is a pretty big weight on the super for it to handle by itself.","start":554.17004,"end":564.835,"sentiment":"neutral","sentiment_score":-0.3196320899296552}],"sentiment":"neutral","sentiment_score":-0.24876446607099337,"num_words":44,"start":517.96497,"end":564.835},{"sentences":[{"text":"And if that policy is good, crap, I I wouldn't be able to tell you until I look at it.","start":565.215,"end":569.535,"sentiment":"neutral","sentiment_score":-0.21511502452194692},{"text":"So what I'll do is we'll go through the portfolio now.","start":569.535,"end":573.06,"sentiment":"neutral","sentiment_score":0.10995356467637149},{"text":"I'm gonna flick an email afterwards with some info on the dental side of it.","start":573.54,"end":577.24,"sentiment":"neutral","sentiment_score":0.10337050358454386},{"text":"And then worst case scenario, all we've gotta do, I reckon, is call up this group, which they actually control all three of those insurers.","start":577.54,"end":587.64,"sentiment":"neutral","sentiment_score":0.010793576166033745},{"text":"And if you basically say, hey.","start":588.225,"end":589.825,"sentiment":"neutral","sentiment_score":0.059376150369644165}],"sentiment":"neutral","sentiment_score":-0.0118981482969089,"num_words":77,"start":565.215,"end":589.825},{"sentences":[{"text":"Like, here's my name, date of birth, they'd be able to check all three to see if you have a policy with them.","start":589.825,"end":595.525,"sentiment":"neutral","sentiment_score":0.05386409001505893},{"text":"So if that's possible to do when you do have a moment, I'll include some info on that in an email, but that should get us the info that I need to have a look at it.","start":598.385,"end":607.22,"sentiment":"neutral","sentiment_score":0.14833644475485827},{"text":"And I've also got you paired with an adviser, Veronica, who's kind of gonna be a dedicated adviser for you as well.","start":607.27997,"end":613.86,"sentiment":"neutral","sentiment_score":0.22531229663978924},{"text":"So either one of us is gonna basically dig dive into it as soon as we get the info.","start":614.0,"end":619.215,"sentiment":"neutral","sentiment_score":0.07519346201106121},{"text":"Cool.","start":622.655,"end":623.155,"sentiment":"neutral","sentiment_score":0.32894131541252136}],"sentiment":"neutral","sentiment_score":0.13178245241151137,"num_words":102,"start":589.825,"end":623.155},{"sentences":[{"text":"Next page on there.","start":624.015,"end":625.695,"sentiment":"neutral","sentiment_score":0.06041788961738348},{"text":"So we're not giving you any advice as is what's not in the document on home purchase budgeting, that kind of thing.","start":625.695,"end":632.79,"sentiment":"neutral","sentiment_score":-0.2589156228032979},{"text":"You basically just keep handling that yourself and going through brokers when it's the right time at the right time.","start":633.26996,"end":638.81,"sentiment":"neutral","sentiment_score":-0.07368791215121746},{"text":"This is just purely focusing on the broker at the moment.","start":639.43,"end":642.08997,"sentiment":"neutral","sentiment_score":-0.08584115383299915},{"text":"Cool.","start":644.94995,"end":645.375,"sentiment":"neutral","sentiment_score":0.27039939165115356}],"sentiment":"neutral","sentiment_score":-0.13107040839205528,"num_words":58,"start":624.015,"end":645.375},{"sentences":[{"text":"Have a flick through for me.","start":645.775,"end":646.895,"sentiment":"neutral","sentiment_score":0.16868119686841965},{"text":"I just wanna see if there's been any major changes from the last info collection.","start":646.895,"end":651.715,"sentiment":"neutral","sentiment_score":0.025612107167641323},{"text":"So seven and eight has an about new section and assets and liabilities.","start":651.935,"end":656.675,"sentiment":"neutral","sentiment_score":0.005788654733735781},{"text":"So I've got you I think we rounded you off to be about a $100 as a concreter.","start":657.69995,"end":662.36,"sentiment":"neutral","sentiment_score":0.004090862659116586},{"text":"I know we've just gone through tax time.","start":662.89996,"end":664.57996,"sentiment":"neutral","sentiment_score":-0.0627059773541987}],"sentiment":"neutral","sentiment_score":0.017391816821570198,"num_words":60,"start":645.775,"end":664.57996},{"sentences":[{"text":"Is that majorly different?","start":664.57996,"end":666.04,"sentiment":"neutral","sentiment_score":-0.048738968558609486},{"text":"Cool.","start":670.25995,"end":670.755,"sentiment":"neutral","sentiment_score":0.1758216917514801},{"text":"Still self employed.","start":671.555,"end":672.435,"sentiment":"neutral","sentiment_score":0.16753383725881577},{"text":"Accurate there.","start":672.435,"end":673.575,"sentiment":"neutral","sentiment_score":0.21725758165121078},{"text":"We've got the truck, the u the Commodore, and the boat.","start":673.875,"end":676.455,"sentiment":"neutral","sentiment_score":0.154858873649077}],"sentiment":"neutral","sentiment_score":0.12483000489217895,"num_words":21,"start":664.57996,"end":676.455},{"sentences":[{"text":"Cool.","start":679.235,"end":679.635,"sentiment":"neutral","sentiment_score":0.23496299982070923},{"text":"And no other, like, debts, loans, personal loans, nothing like that at the moment.","start":679.635,"end":685.67,"sentiment":"neutral","sentiment_score":-0.027224650739559104},{"text":"Still just trying to get through that home loan and, of course, the the dental work in between.","start":685.67,"end":690.17,"sentiment":"neutral","sentiment_score":0.0060454242759280736},{"text":"Beautiful.","start":692.87,"end":693.35,"sentiment":"positive","sentiment_score":0.3569950461387634},{"text":"Can you see on that page with the assets and liabilities with the truck and everything in?","start":693.35,"end":697.335,"sentiment":"neutral","sentiment_score":0.0836973591324161}],"sentiment":"neutral","sentiment_score":0.03416638583967499,"num_words":51,"start":679.235,"end":697.335},{"sentences":[{"text":"The third section there says your current risk protection in rate, and it's got a little box there.","start":697.815,"end":703.515,"sentiment":"neutral","sentiment_score":0.03563311385611693},{"text":"I was able to find out the cost of the insurances because it came out of the super.","start":705.015,"end":709.03503,"sentiment":"neutral","sentiment_score":0.0773122397561868},{"text":"And, again, that's $3,670.53 before the 15% rebate.","start":709.09503,"end":714.75,"sentiment":"neutral","sentiment_score":0.0571705624461174},{"text":"So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you.","start":714.75,"end":722.13,"sentiment":"neutral","sentiment_score":0.13240301640083393},{"text":"Fingers crossed.","start":722.19,"end":722.955,"sentiment":"neutral","sentiment_score":0.09471346065402031}],"sentiment":"neutral","sentiment_score":0.08367828827883517,"num_words":70,"start":697.815,"end":722.955},{"sentences":[{"text":"Cool.","start":725.835,"end":726.155,"sentiment":"neutral","sentiment_score":0.24926504492759705},{"text":"If you go down past there, so we've got risk profile.","start":726.155,"end":728.875,"sentiment":"neutral","sentiment_score":0.03128481859510595},{"text":"Again, I was talking about just bumping up to the high growth with you.","start":728.875,"end":732.23505,"sentiment":"neutral","sentiment_score":0.025265501412962164},{"text":"So I'll go through that in a second.","start":732.23505,"end":733.935,"sentiment":"neutral","sentiment_score":0.023443397134542465},{"text":"Page 10 has a bit of an exploded little colored pie chart about what high growth kinda looks like in terms of what you invested.","start":734.955,"end":743.18,"sentiment":"neutral","sentiment_score":0.0701358962059021}],"sentiment":"neutral","sentiment_score":0.04895016358439195,"num_words":59,"start":725.835,"end":743.18},{"sentences":[{"text":"But can you see there's a big block of text on page 11 under strategy recommendations?","start":743.8,"end":749.1,"sentiment":"neutral","sentiment_score":0.04486559587530792},{"text":"So what we've done in here is all the reasons for the changes that we're looking to do for the portfolio.","start":752.83496,"end":759.01495,"sentiment":"neutral","sentiment_score":0.24234453482287271},{"text":"So we're gonna keep Netwealth for the time being.","start":759.39496,"end":761.89496,"sentiment":"positive","sentiment_score":0.3858017921447754},{"text":"It's got well over 700 investment options.","start":762.355,"end":765.86005,"sentiment":"neutral","sentiment_score":0.3127758949995041},{"text":"There are plenty of options to work with.","start":765.92004,"end":768.34,"sentiment":"neutral","sentiment_score":0.3284523617476225}],"sentiment":"neutral","sentiment_score":0.2310877221896023,"num_words":61,"start":743.8,"end":768.34},{"sentences":[{"text":"We did factor in a little bit of capital gains tax happens when you move investments within super around.","start":768.80005,"end":776.02,"sentiment":"neutral","sentiment_score":0.22145740138856987},{"text":"So I've factored that in as well to make sure it's still worth doing.","start":776.08,"end":779.125,"sentiment":"positive","sentiment_score":0.3527218593018396},{"text":"But we're also getting like, for example, if we switched everything now, it probably costs around $6.62 out of the super, but we'd be saving $730 a year in investment fee.","start":779.825,"end":791.79,"sentiment":"neutral","sentiment_score":0.22552099847985851},{"text":"So kind of make it back up in the first year just in fees alone.","start":794.67,"end":797.88995,"sentiment":"neutral","sentiment_score":0.3041927138964335},{"text":"Again, I'm not projecting you out twenty two years because I can't tell what's gonna change in your life that far out, but I have done a good five to ten year projection for you.","start":798.67,"end":807.47504,"sentiment":"neutral","sentiment_score":0.20699171269578592}],"sentiment":"neutral","sentiment_score":0.2451276163358176,"num_words":114,"start":768.80005,"end":807.47504},{"sentences":[{"text":"And the main thing, of course, is bumping up your growth allocation a little bit.","start":810.175,"end":814.09503,"sentiment":"neutral","sentiment_score":0.2117260048786799},{"text":"That's gonna make it, you know, higher highs, lower lows.","start":814.09503,"end":817.23505,"sentiment":"neutral","sentiment_score":0.13998699486255645},{"text":"It's gonna have a higher long term return, but it's gonna have some bigger swings in in between.","start":817.455,"end":821.89996,"sentiment":"neutral","sentiment_score":0.0919193464020888},{"text":"So just a reminder a quick reminder I'll do because you go through that annual review to see how it tracks.","start":825.07996,"end":830.06,"sentiment":"neutral","sentiment_score":0.12984467829976762},{"text":"You can give it twelve months.","start":830.44,"end":831.63995,"sentiment":"neutral","sentiment_score":0.08533178518215816}],"sentiment":"neutral","sentiment_score":0.13527196017759188,"num_words":70,"start":810.175,"end":831.63995},{"sentences":[{"text":"Here we go.","start":831.63995,"end":832.425,"sentiment":"neutral","sentiment_score":0.07977910339832306},{"text":"But when the market goes up, this portfolio tends to jump, like, ten, twenty, 30% in a year.","start":832.745,"end":839.885,"sentiment":"neutral","sentiment_score":0.08123114953438441},{"text":"And then once every six or seven years, market's gonna dip, and it's gonna drop down that 20%.","start":840.185,"end":846.54,"sentiment":"neutral","sentiment_score":-0.05320841529303127},{"text":"So the idea is if we average it out over a decade and you're consistently getting, like, a 10% average, we're on track.","start":846.77997,"end":853.92,"sentiment":"neutral","sentiment_score":0.3321146025605824},{"text":"Cool?","start":856.69995,"end":857.19995,"sentiment":"positive","sentiment_score":0.4031128883361816}],"sentiment":"neutral","sentiment_score":0.13945230593283972,"num_words":63,"start":831.63995,"end":857.19995},{"sentences":[{"text":"If you go down, there's a table on the next page, advantages and disadvantages.","start":857.5,"end":860.95996,"sentiment":"neutral","sentiment_score":0.027909048766429936},{"text":"Exactly what I just said, bit of capital gains tax, lower investment fees.","start":861.875,"end":866.455,"sentiment":"neutral","sentiment_score":0.21318072309860817},{"text":"We bump up the growth allocation.","start":866.515,"end":868.135,"sentiment":"positive","sentiment_score":0.6337386171023051},{"text":"Performance is looking really good.","start":868.59503,"end":870.115,"sentiment":"positive","sentiment_score":0.8105041742324829},{"text":"The only other little thing is all of the investments we use with our view, they're ETF.","start":870.115,"end":875.31,"sentiment":"neutral","sentiment_score":0.08649566944907694}],"sentiment":"neutral","sentiment_score":0.22704463704404507,"num_words":55,"start":857.5,"end":875.31},{"sentences":[{"text":"So you've got to kind of pay a bit of brokerage fee to purchase them.","start":875.87,"end":879.63,"sentiment":"neutral","sentiment_score":0.036567963659763336},{"text":"And then once you've got them, they're the cheapest fees ongoing.","start":879.63,"end":882.52997,"sentiment":"neutral","sentiment_score":0.24283136901530353},{"text":"Cool.","start":885.39,"end":885.63,"sentiment":"positive","sentiment_score":0.3358743190765381},{"text":"So skip down a couple more pages for me.","start":885.63,"end":887.63,"sentiment":"neutral","sentiment_score":0.09679682470030254},{"text":"You'll see a blue table on pages fourteen and fifteen, and it should say, like, a fee comparison there.","start":887.63,"end":895.13495,"sentiment":"neutral","sentiment_score":0.10166303813457489}],"sentiment":"neutral","sentiment_score":0.11560559963638133,"num_words":55,"start":875.87,"end":895.13495},{"sentences":[{"text":"Cool.","start":899.27496,"end":899.675,"sentiment":"neutral","sentiment_score":0.27947568893432617},{"text":"So we've got the top right for the difference of the $6.02.","start":899.675,"end":903.0,"sentiment":"neutral","sentiment_score":0.1181546300649643},{"text":"That's your capital gains tax popping out.","start":903.0,"end":905.24,"sentiment":"neutral","sentiment_score":0.07581769462142672},{"text":"Below that, you've got the investment fee drops by seven twenty nine.","start":905.24,"end":909.18,"sentiment":"neutral","sentiment_score":0.05966374961038431},{"text":"That's it's percentage based, so based on your current balance.","start":909.32,"end":912.7,"sentiment":"neutral","sentiment_score":0.06442291326820851}],"sentiment":"neutral","sentiment_score":0.08543450571596622,"num_words":42,"start":899.27496,"end":912.7},{"sentences":[{"text":"But it basically chops off two thirds of your investment fees by switching to the ETFs that we've picked.","start":913.24,"end":919.535,"sentiment":"neutral","sentiment_score":0.04910027020071682},{"text":"If you look at the bottom, five year rolling average, basically, what was happening recently too is a lot of Australian investment and some of your safer options kind of weren't doing too well around the March period.","start":920.395,"end":935.50995,"sentiment":"neutral","sentiment_score":-0.028923744335770607},{"text":"So that was pulling your return down.","start":935.64996,"end":937.75,"sentiment":"neutral","sentiment_score":0.018759849880422865},{"text":"If we switch all these back up, it'll bring you back up into the double digits from six to 12.22.","start":938.61,"end":944.06995,"sentiment":"neutral","sentiment_score":0.10987388417124748},{"text":"Cool.","start":945.97,"end":946.365,"sentiment":"neutral","sentiment_score":0.29049262404441833}],"sentiment":"neutral","sentiment_score":0.028859907125725465,"num_words":85,"start":913.24,"end":946.365},{"sentences":[{"text":"On the next page, this is kind of the trajectory of projections here.","start":946.845,"end":951.58496,"sentiment":"neutral","sentiment_score":0.0789399602665351},{"text":"Without the contributions going in and with that 3,600 coming out for the premium, if we kind of left everything as it was, you'd actually be going backwards, and we're projecting it would drop to, like, $1.30, $1.20, and just slowly get depleted in fees.","start":952.125,"end":966.44,"sentiment":"neutral","sentiment_score":-0.00046738260943028664},{"text":"But bumping up to high growth should actually offset that, and you should actually be back to growing it pretty fast.","start":966.98,"end":973.56,"sentiment":"positive","sentiment_score":0.3935701343275252},{"text":"So we're predicting somewhere between 50 to $100 better off over five and ten years.","start":973.86,"end":980.475,"sentiment":"neutral","sentiment_score":0.2933709797759851},{"text":"Your safe balance won't actually get back into green again even if you don't put anything in.","start":980.935,"end":987.435,"sentiment":"neutral","sentiment_score":-0.04850989010404138}],"sentiment":"neutral","sentiment_score":0.11573024010621347,"num_words":111,"start":946.845,"end":987.435},{"sentences":[{"text":"Cool.","start":989.735,"end":990.21,"sentiment":"positive","sentiment_score":0.6396965384483337},{"text":"The major changes I wanted to just quickly show you, not to go too crazy with it, but page 16 is a big table red heading called investments.","start":991.17004,"end":1000.55005,"sentiment":"neutral","sentiment_score":0.19693622472030775},{"text":"There's a lot of figures and percentages and dollar signs all over it if you can see that.","start":1001.09,"end":1005.255,"sentiment":"neutral","sentiment_score":0.09982057039936383},{"text":"Basically, all the options are on the left is kind of what you've got, what we're recommending.","start":1008.455,"end":1012.395,"sentiment":"neutral","sentiment_score":0.22863361853010514},{"text":"What I really wanted to show you was can you see that second last column called target weight percent?","start":1012.53503,"end":1017.72,"sentiment":"neutral","sentiment_score":0.16113187725606717}],"sentiment":"neutral","sentiment_score":0.1795055214540068,"num_words":83,"start":989.735,"end":1017.72},{"sentences":[{"text":"And it's got, like, those round figures below it, 7% zero zero.","start":1017.95996,"end":1022.06,"sentiment":"neutral","sentiment_score":0.12530755127469698},{"text":"So all of the round figures are basically just being rebalanced back to where they should be.","start":1023.16,"end":1028.78,"sentiment":"neutral","sentiment_score":0.20348819827332215},{"text":"You know, if there were seven, they go back to eight and so on.","start":1028.84,"end":1031.82,"sentiment":"neutral","sentiment_score":0.04736980250371354},{"text":"The second and third one, Bennelong and Vanguard are the ones that I'm kind of removing.","start":1032.0399,"end":1037.005,"sentiment":"neutral","sentiment_score":0.006557428103405982},{"text":"Bennelong with some Australian shares, Vanguard with some safe fixed interest, but both of them were kind of dragging their feet a little bit.","start":1037.005,"end":1044.125,"sentiment":"neutral","sentiment_score":-0.11167640999580423}],"sentiment":"neutral","sentiment_score":0.036757255792168965,"num_words":83,"start":1017.95996,"end":1044.125},{"sentences":[{"text":"But those are getting removed, and I'm putting in the two at the bottom.","start":1044.125,"end":1047.21,"sentiment":"neutral","sentiment_score":0.007877316325902939},{"text":"BetaShares Australia 200 and the IAF for composite bonds.","start":1047.77,"end":1054.51,"sentiment":"neutral","sentiment_score":0.054704428960879646},{"text":"So those two alone pretty much make the biggest difference.","start":1054.6499,"end":1057.0499,"sentiment":"neutral","sentiment_score":0.2811523020267487},{"text":"The rest of it is being brought back to the middle.","start":1057.0499,"end":1059.375,"sentiment":"neutral","sentiment_score":0.10863775421272624},{"text":"Now what that kind of does for you as well is if you skip down two more pages, and we're at the last one here.","start":1062.735,"end":1068.035,"sentiment":"neutral","sentiment_score":0.17241511076688767}],"sentiment":"neutral","sentiment_score":0.1292686721013076,"num_words":69,"start":1044.125,"end":1068.035},{"sentences":[{"text":"There's a pie chart, colored pie chart, method allocation on page 18.","start":1068.815,"end":1073.075,"sentiment":"neutral","sentiment_score":0.09708414413034916},{"text":"And can you see in the middle row, it's got a gray bar and it says growth total.","start":1076.91,"end":1081.65,"sentiment":"neutral","sentiment_score":0.10730058658454153},{"text":"And if you go across, it goes ninety, eighty eight, 94.","start":1081.71,"end":1086.29,"sentiment":"neutral","sentiment_score":0.12093706632202322},{"text":"You basically want around about 90% growth assets if you're sitting in high growth.","start":1089.815,"end":1094.475,"sentiment":"neutral","sentiment_score":0.2528216594031879},{"text":"You're currently sitting at about 89.","start":1094.535,"end":1096.5549,"sentiment":"neutral","sentiment_score":0.23647908369700113}],"sentiment":"neutral","sentiment_score":0.1538541926468005,"num_words":61,"start":1068.815,"end":1096.5549},{"sentences":[{"text":"I'm just bumping you up about 5%.","start":1097.1749,"end":1099.195,"sentiment":"positive","sentiment_score":0.42415708729199003},{"text":"So 90 to a 100, you'd be sitting at 94.","start":1099.655,"end":1102.315,"sentiment":"neutral","sentiment_score":0.20743259489536287},{"text":"We're not going crazy with the risk.","start":1102.455,"end":1104.135,"sentiment":"neutral","sentiment_score":-0.03864910506776401},{"text":"It's just a 5% swing from the, like, the bonds and fixed interest up to the shares and property in gold, but the rest of it is just switching out to bad apples.","start":1104.135,"end":1114.01,"sentiment":"neutral","sentiment_score":-0.08910597887623942},{"text":"Cool.","start":1117.27,"end":1117.605,"sentiment":"positive","sentiment_score":0.39727866649627686}],"sentiment":"neutral","sentiment_score":0.03844246876040666,"num_words":58,"start":1097.1749,"end":1117.605},{"sentences":[{"text":"Any questions on that so far?","start":1118.485,"end":1119.845,"sentiment":"neutral","sentiment_score":0.21478582670291266},{"text":"Does it make sense?","start":1119.845,"end":1120.745,"sentiment":"neutral","sentiment_score":0.10263645090162754},{"text":"Beauty?","start":1124.885,"end":1125.385,"sentiment":"neutral","sentiment_score":0.26547664403915405},{"text":"Every other section after that is estate planning.","start":1125.9249,"end":1128.985,"sentiment":"neutral","sentiment_score":0.100758439861238},{"text":"So just a reminder, if we haven't already sorted out the paperwork to get your partner on this beneficiary for the Netwealth, I actually couldn't see the system is taking its time to load whether we actually put your partner on for the Netwealth super beneficiary yet.","start":1129.125,"end":1144.305,"sentiment":"neutral","sentiment_score":-0.11530767951874023}],"sentiment":"neutral","sentiment_score":-0.04013115167617798,"num_words":66,"start":1118.485,"end":1144.305},{"sentences":[{"text":"I'll have a flag with Michelle, and I might get her to put that document out here to update it.","start":1148.385,"end":1153.4451,"sentiment":"neutral","sentiment_score":-0.05120979957282543},{"text":"And the rest of it's pretty much just like why you should have a will and a power of attorney.","start":1153.745,"end":1157.3451,"sentiment":"neutral","sentiment_score":-0.07097386233508587},{"text":"I'm not gonna remind you about why you should do that.","start":1157.3451,"end":1159.44,"sentiment":"neutral","sentiment_score":-0.06051489744674076},{"text":"Services at the bottom, the our fees reiterated there as well.","start":1161.12,"end":1165.7,"sentiment":"neutral","sentiment_score":0.03963743725960905},{"text":"Our service agreement consent with Netwealth has expired, so I've just included that in there if you're still happy for us to look after things.","start":1166.3999,"end":1173.94,"sentiment":"neutral","sentiment_score":0.08422814719378949}],"sentiment":"neutral","sentiment_score":-0.006524386441056755,"num_words":87,"start":1148.385,"end":1173.94},{"sentences":[{"text":"The same agreement there, 1.65% of the fee.","start":1174.8799,"end":1179.495,"sentiment":"neutral","sentiment_score":0.09246441535651684},{"text":"And we have brought in a a new tier fee structure for.","start":1179.875,"end":1184.775,"sentiment":"neutral","sentiment_score":0.1050633614261945},{"text":"So I want to just quickly update you on that one as well.","start":1185.075,"end":1188.0549,"sentiment":"neutral","sentiment_score":0.15675712204896486},{"text":"Everyone above 300,000, we're starting to apply a percentage discount.","start":1189.155,"end":1195.11,"sentiment":"neutral","sentiment_score":0.03765430860221386},{"text":"So when you get between 200 and 0.5 a mil, it'll drop the the fee, and then from 0.5 a mil to a mil, it'll drop again.","start":1195.97,"end":1203.375,"sentiment":"neutral","sentiment_score":0.013022741578795292}],"sentiment":"neutral","sentiment_score":0.06809250507503747,"num_words":70,"start":1174.8799,"end":1203.375},{"sentences":[{"text":"So I think you're sitting at about the $1.50 mark.","start":1203.615,"end":1206.115,"sentiment":"neutral","sentiment_score":-0.032515515387058255},{"text":"Once you get to 200, it will start to drop.","start":1206.255,"end":1208.515,"sentiment":"neutral","sentiment_score":-0.058234987407922746},{"text":"Cool.","start":1211.775,"end":1212.275,"sentiment":"neutral","sentiment_score":0.33090507984161377},{"text":"Outside of that, mate, I'm I'm happy to send you through an email with the info to get the the dental super access.","start":1212.895,"end":1218.195,"sentiment":"positive","sentiment_score":0.4079144104667332},{"text":"Obviously, you understand the risk of taking a bit of money out of super can affect your super.","start":1219.09,"end":1222.87,"sentiment":"neutral","sentiment_score":-0.25798037234279847}],"sentiment":"neutral","sentiment_score":0.06712556113639186,"num_words":62,"start":1203.615,"end":1222.87},{"sentences":[{"text":"Beautiful.","start":1225.73,"end":1226.23,"sentiment":"neutral","sentiment_score":-0.0025494720321148634},{"text":"And for that that policy, if we can tee up a bit of a time when you do have fifteen minutes to give Neos a call and see if they've got a policy for you, I'll basically tell you exactly what to say to them.","start":1227.57,"end":1241.6449,"sentiment":"neutral","sentiment_score":0.18033102022276984},{"text":"Just jump on in the morning if you've got ten minutes spare before they get this long hold time, and they'll be able to check if there's one there.","start":1241.705,"end":1248.54,"sentiment":"neutral","sentiment_score":0.14422687733995504},{"text":"If there is one, we can get an info document from them, and I can deep dive it.","start":1248.54,"end":1253.76,"sentiment":"neutral","sentiment_score":0.09928634183274375},{"text":"Yeah.","start":1257.82,"end":1258.22,"sentiment":"neutral","sentiment_score":-0.04660980403423309}],"sentiment":"neutral","sentiment_score":0.14931351308304658,"num_words":94,"start":1225.73,"end":1258.22},{"sentences":[{"text":"Yeah.","start":1258.22,"end":1258.62,"sentiment":"neutral","sentiment_score":-0.07302919775247574},{"text":"And, again, if it's one of the things where it's too expensive and someone else is out there better, I can look at replacing it.","start":1258.62,"end":1264.805,"sentiment":"neutral","sentiment_score":-0.2717404180765152},{"text":"If it's too high, too low, we can adjust it as well.","start":1264.805,"end":1267.625,"sentiment":"neutral","sentiment_score":-0.1533159123112758},{"text":"Beauty.","start":1270.885,"end":1271.385,"sentiment":"neutral","sentiment_score":0.2856656610965729},{"text":"For this one, you should see some buttons on there to like, if you actually hit sign button, it'll bring you to the spot to put your signature and the date and the name, it'll stamp it for you.","start":1272.005,"end":1282.9,"sentiment":"neutral","sentiment_score":0.24974564864085272}],"sentiment":"neutral","sentiment_score":0.016915581547296964,"num_words":78,"start":1258.22,"end":1282.9},{"sentences":[{"text":"But there's also a button that says next document as well.","start":1282.9,"end":1285.9601,"sentiment":"neutral","sentiment_score":0.1303820779377764},{"text":"So once you're done with this one, this is your authority to proceed consent.","start":1286.1,"end":1290.325,"sentiment":"neutral","sentiment_score":0.18291979283094406},{"text":"It'll give you the appendix with the research, the consent form with Netwealth, and then just the product disclosure document.","start":1290.785,"end":1297.585,"sentiment":"neutral","sentiment_score":0.14848790988326072},{"text":"That's the usual how big NetWealth at the moment.","start":1297.585,"end":1300.63,"sentiment":"neutral","sentiment_score":0.11047286209132937},{"text":"66 pages of product info for your.","start":1300.63,"end":1303.2101,"sentiment":"neutral","sentiment_score":0.11578421294689178}],"sentiment":"neutral","sentiment_score":0.14376366236170784,"num_words":61,"start":1282.9,"end":1303.2101},{"sentences":[{"text":"So you don't have to scroll through all the 66 pages.","start":1305.43,"end":1307.99,"sentiment":"neutral","sentiment_score":0.12771774489771237},{"text":"You can skip through it.","start":1307.99,"end":1309.29,"sentiment":"neutral","sentiment_score":0.11974585205316543},{"text":"But but any questions for me, mate, before I let you go?","start":1309.51,"end":1313.835,"sentiment":"neutral","sentiment_score":0.04209822447349628},{"text":"Cool.","start":1319.595,"end":1320.095,"sentiment":"positive","sentiment_score":0.4688551127910614},{"text":"If you do have a second, if you could just see if those buttons work for you to provide your consent, I'll get Connor and his team to jump on and switch your investments.","start":1320.315,"end":1329.77,"sentiment":"neutral","sentiment_score":0.280861489036504}],"sentiment":"neutral","sentiment_score":0.198840458537378,"num_words":63,"start":1305.43,"end":1329.77},{"sentences":[{"text":"I think they do a lot of the investment switching on a Friday, so I should be able to put it in for tomorrow's trade orders.","start":1329.8301,"end":1336.01,"sentiment":"positive","sentiment_score":0.3403839274094655},{"text":"And then I should have an email off to you end of Monday at the latest for that info.","start":1336.31,"end":1341.8501,"sentiment":"neutral","sentiment_score":0.15583071583195737},{"text":"Beautiful, mate.","start":1346.255,"end":1346.975,"sentiment":"positive","sentiment_score":0.8493064939975739},{"text":"I appreciate you taking the time.","start":1346.975,"end":1348.595,"sentiment":"positive","sentiment_score":0.8673913280169169},{"text":"I won't keep you for the evening, but if you have any questions, give us a buzz.","start":1349.0549,"end":1352.835,"sentiment":"positive","sentiment_score":0.33564283392008615}],"sentiment":"positive","sentiment_score":0.3488522120884487,"num_words":70,"start":1329.8301,"end":1352.835},{"sentences":[{"text":"I'll split the email into two Just you've got one for the dental, one for the insurance, just to make it easy to search up with further down the line.","start":1353.455,"end":1361.34,"sentiment":"neutral","sentiment_score":0.22818273020287355},{"text":"No worries.","start":1365.0,"end":1365.56,"sentiment":"positive","sentiment_score":0.5696018040180206},{"text":"Have a fantastic day, and I'll talk to you again soon.","start":1365.56,"end":1368.3569,"sentiment":"positive","sentiment_score":0.7636642510240729},{"text":"Thanks, man.","start":1371.7169,"end":1372.3569,"sentiment":"positive","sentiment_score":0.6369185447692871},{"text":"Bye.","start":1372.3569,"end":1372.8569,"sentiment":"positive","sentiment_score":0.37551069259643555}],"sentiment":"positive","sentiment_score":0.39205087081569695,"num_words":46,"start":1353.455,"end":1372.8569}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks, mate. Yep. Just a sec. 21st Of 3rd 81 And 24 Windprest Avenue, Finland. Yep. Yeah. That's the right one. Yep. No. No. Come for you yet. No. Not too busy, actually. Yep. Yep. Yep. Yep. Fair enough. I was just trying to hook us up for all these fucking insurance events. So those yep. Yep. Okay. No. Not yet. Yep. Yep. Also, I wanted to talk to you. I have to try and access my super for some new teeth. I gotta get a a basically, three. I gotta get four of them pulled out and replaced with a couple screws and all that business. Do do I have to talk to you guys, or do the the dentist gave me a place to go through to do that, or what do I what am I supposed to do there? Yep. Yeah. No doubt. Yeah. Okay. Okay. No worries. I'll sort that out then. No. I haven't yet. I've only seen the dentist so far, so I have to sort that out as well. Alright. I've got the I've got the thing through as well. One second. Just says sign document. Yep. That's the one. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. No. Yeah. Yep. Yep. Yep. Yep. Alright. Right. What? No. I couldn't no. I don't. It's actually I don't remember. I don't think he even told us I don't think he told us who it was through or how he was doing it, but because so what happened was was trying to get a home loan, and then I went through this ad online that said they'd do from start to finish. Like, they help you get the loan, they help you get the house, they give you the keys, and then it's still, like, up to you. Anyway, so I got in touch with them. And and first things first, they said no one will consider you before you even get all these insurances, blah blah blah. So we did that, and then that was the end of it. Never heard from him again. So I don't know. No. Oh, I ended up getting approved for a home loan, but I didn't end up taking it because I ended up having to come up with the deposit, which I couldn't come up with at the time because I'm self employed. And so few things went wrong, and I ended up having to use the money I had to get. But so since then, I haven't had anything or heard anything or anything at all, really. So I was like, the other thing I was gonna find out is if I have been paying them or or if I haven't been paying them or what's been going on with that as well. Yep. Yep. Yep. Okay. Mhmm. Yep. Yep. Yep. Yeah. Yep. No. It's still about the same. Yep. Yep. Yep. Yep. Yep. Yep. Right. Yep. Mhmm. Okay. Yep. Yeah. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Hello? Yep. Okay. Yep. Right. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Fair enough. Yeah. No. That's makes sense. Yeah. I'm not sure. Yep. Yep. Yep. Okay. Yep. Okay. Yep. Yes. Yep. Okay. What's going on? Alright. Sounds good. No. That's all for now, really. Nope. Alright. Too easy. Awesome. Thank you, mate. Cheers. You too. K, mate. 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Good. Thanks, mate. Yep. Just a sec.\n\n21st Of 3rd 81 And 24 Windprest Avenue, Finland. Yep. Yeah. That's the right one. Yep.\n\nNo. No. Come for you yet. No. Not too busy, actually.\n\nYep. Yep. Yep. Yep. Fair enough.\n\nI was just trying to hook us up for all these fucking insurance events. So those yep. Yep. Okay. No.\n\nNot yet. Yep. Yep. Also, I wanted to talk to you. I have to try and access my super for some new teeth.\n\nI gotta get a a basically, three. I gotta get four of them pulled out and replaced with a couple screws and all that business. Do do I have to talk to you guys, or do the the dentist gave me a place to go through to do that, or what do I what am I supposed to do there? Yep. Yeah.\n\nNo doubt. Yeah. Okay. Okay. No worries.\n\nI'll sort that out then. No. I haven't yet. I've only seen the dentist so far, so I have to sort that out as well. Alright.\n\nI've got the I've got the thing through as well. One second. Just says sign document. Yep. That's the one.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. Yep. No. Yeah. Yep.\n\nYep. Yep. Yep. Alright. Right.\n\nWhat? No. I couldn't no. I don't. It's actually I don't remember.\n\nI don't think he even told us I don't think he told us who it was through or how he was doing it, but because so what happened was was trying to get a home loan, and then I went through this ad online that said they'd do from start to finish. Like, they help you get the loan, they help you get the house, they give you the keys, and then it's still, like, up to you. Anyway, so I got in touch with them. And and first things first, they said no one will consider you before you even get all these insurances, blah blah blah. So we did that, and then that was the end of it.\n\nNever heard from him again. So I don't know. No. Oh, I ended up getting approved for a home loan, but I didn't end up taking it because I ended up having to come up with the deposit, which I couldn't come up with at the time because I'm self employed. And so few things went wrong, and I ended up having to use the money I had to get.\n\nBut so since then, I haven't had anything or heard anything or anything at all, really. So I was like, the other thing I was gonna find out is if I have been paying them or or if I haven't been paying them or what's been going on with that as well. Yep. Yep. Yep.\n\nOkay. Mhmm. Yep. Yep. Yep.\n\nYeah. Yep. No. It's still about the same. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nRight. Yep. Mhmm. Okay. Yep.\n\nYeah. Okay. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Hello? Yep. Okay.\n\nYep. Right. Yep. Yep. Okay.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yep. Fair enough. Yeah.\n\nNo. That's makes sense. Yeah. I'm not sure. Yep.\n\nYep. Yep. Okay. Yep. Okay.\n\nYep. Yes. Yep. Okay. What's going on?\n\nAlright. Sounds good. No. That's all for now, really. Nope.\n\nAlright. Too easy. Awesome. Thank you, mate. Cheers.\n\nYou too. K, mate. 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going on?","start":1254.665,"end":1255.725,"sentiment":"neutral","sentiment_score":-0.0043291687810172634}],"sentiment":"neutral","sentiment_score":0.06290597298980824,"num_words":7,"start":1219.005,"end":1255.725},{"sentences":[{"text":"Alright.","start":1268.0399,"end":1268.5399,"sentiment":"neutral","sentiment_score":0.2351076900959015},{"text":"Sounds good.","start":1271.88,"end":1272.7,"sentiment":"positive","sentiment_score":0.3337211087346077},{"text":"No.","start":1314.7899,"end":1315.0299,"sentiment":"neutral","sentiment_score":-0.0591687336564064},{"text":"That's all for now, really.","start":1315.0299,"end":1316.49,"sentiment":"neutral","sentiment_score":0.018045269697904584},{"text":"Nope.","start":1336.665,"end":1336.98,"sentiment":"neutral","sentiment_score":0.1263317912817001}],"sentiment":"neutral","sentiment_score":0.10599393136799336,"num_words":10,"start":1268.0399,"end":1336.98},{"sentences":[{"text":"Alright.","start":1342.58,"end":1343.08,"sentiment":"neutral","sentiment_score":0.1556181758642197},{"text":"Too easy.","start":1343.2999,"end":1344.04,"sentiment":"neutral","sentiment_score":0.1397222802042961},{"text":"Awesome.","start":1361.6449,"end":1362.125,"sentiment":"positive","sentiment_score":0.8164746761322021},{"text":"Thank you, mate.","start":1362.125,"end":1363.105,"sentiment":"positive","sentiment_score":0.8431235154469808},{"text":"Cheers.","start":1368.74,"end":1369.0599,"sentiment":"positive","sentiment_score":0.6615134477615356}],"sentiment":"positive","sentiment_score":0.5553026758134365,"num_words":8,"start":1342.58,"end":1369.0599},{"sentences":[{"text":"You too.","start":1369.0599,"end":1369.72,"sentiment":"positive","sentiment_score":0.4727321267127991},{"text":"K, mate.","start":1373.0599,"end":1373.46,"sentiment":"neutral","sentiment_score":0.14986107498407364},{"text":"Bye.","start":1373.46,"end":1373.96,"sentiment":"neutral","sentiment_score":-0.1213039606809616}],"sentiment":"neutral","sentiment_score":0.22477648854255677,"num_words":5,"start":1369.0599,"end":1373.96}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Ben. It's Tommy here from. How you been?\n\nChannel 1: Good. Thanks, mate.\n\nChannel 0: I've got this updated document to flick through to you today. Will you be able to access your emails for me?\n\nChannel 1: Yep. Just a sec.\n\nChannel 0: Cool. Just while we're doing that, I'll just go through a quick security check with you. If I could grab your date of birth and address, sir.\n\nChannel 1: 21st Of 3rd 81 And 24 Windprest Avenue, Finland.\n\nChannel 0: Sensational. And as always, calls are recorded, mate. Just let you know.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now I've got your AccuCreate Gmail up linked to your profile. Is that one okay?\n\nChannel 1: Yeah. That's the right one.\n\nChannel 0: Beautiful. Alright. I'll pop this one through to you. It usually comes through pretty quick. I think you've already used this new system before, so it shouldn't go through to your spam box.\n\nIt should go through your main inbox there. And\n\nChannel 1: Yep.\n\nChannel 0: just let me know when you see a few financial statement of advice.\n\nChannel 1: No. No. Come for you yet.\n\nChannel 0: Alright. Give that another minute. And just so I can gauge time with you today, how long have I got you for today? Are you busy? Or\n\nChannel 1: No. Not too busy, actually.\n\nChannel 0: cool. Now I probably wouldn't need more than fifteen or so, usually.\n\nChannel 1: Yep.\n\nChannel 0: But I do have so I've got your updated portfolio ready to go that I'm excited to run through with you. And I had the most fun time trying to investigate that broker you sent through to us, trying to find\n\nChannel 1: Yep.\n\nChannel 0: and hunt down your insurance policy if that rings a bell.\n\nChannel 1: Yep.\n\nChannel 0: Now I'll give you I'll I'll touch on that in a second when we've got the document but I've got a couple of ideas. But, mate, he I don't know who it was, but wouldn't answer the phone calls, text messages. We tried contacting him. We couldn't get it.\n\nChannel 1: Yep. Fair enough. I was just trying to hook us up for all these fucking insurance events.\n\nChannel 0: And the\n\nChannel 1: So\n\nChannel 0: funny\n\nChannel 1: those\n\nChannel 0: thing too is\n\nChannel 1: yep.\n\nChannel 0: it's come out of the super. So I saw the premium come out. So I've factored that into the document, like in the projections and everything.\n\nChannel 1: Yep.\n\nChannel 0: But I reckon it could be pretty comprehensive what he's put in place because it's in about March.\n\nChannel 1: Okay.\n\nChannel 0: Well, I've got a bit of an idea for that one. Has any email come through yet or or no luck?\n\nChannel 1: No. Not yet.\n\nChannel 0: So just give me a quick second, and I'll just do a quick refresh. There we go into here. And I'll hit resend. There's a few supporting research documents along with it. There might be slightly bigger of a file.\n\nIt may take a minute, but\n\nChannel 1: Yep.\n\nChannel 0: I'll see if that pops through.\n\nChannel 1: Yep. Also, I wanted to talk to you. I have to try and access my super for some new teeth.\n\nChannel 0: Yes. Yes. The old dental work. Yeah. Yeah.\n\nChannel 1: I gotta get a a basically, three. I gotta get four of them pulled out and replaced with a couple screws and all that business.\n\nChannel 0: Oh, no fun.\n\nChannel 1: Do do I have to talk to you guys, or do the the dentist gave me a place to go through to do that, or what do I what am I supposed to do there?\n\nChannel 0: Yeah. So I actually did that for my son last year. It's about $5 of work done for my six year old, which was\n\nChannel 1: Yep.\n\nChannel 0: not too fun.\n\nChannel 1: Yeah. No\n\nChannel 0: Process\n\nChannel 1: doubt.\n\nChannel 0: four was basically, they always need, like, two doctors to sign off on it. So it's either if you've gone to a dentist and they've referred you to a specialist, that counts as two. Or if it's, like, the dentist and the GP, like, whatever combination kind of work. But, basically, two people fill out a a form about why you need it, and they usually say something along the lines of you can't wait for the public system because it's a bit of pain and discomfort and all that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: And then that gets sent through to the super fund, and\n\nChannel 1: Okay.\n\nChannel 0: they basically just get the authorization through you actually do it on myGov, and the government gives you the approval to get to the super fund.\n\nChannel 1: Okay. No worries. I'll\n\nChannel 0: Yeah. If you want, I can give you a bit of a so next\n\nChannel 1: sort\n\nChannel 0: week, I can send you an info email that helps point you at the right direction. But have you seen two people for it yet or no?\n\nChannel 1: that out then. No. I haven't yet. I've only seen the dentist so far, so I have to sort that out as well.\n\nChannel 0: Yep. Good fun.\n\nChannel 1: Alright.\n\nChannel 0: Good\n\nChannel 1: I've\n\nChannel 0: fun.\n\nChannel 1: got the I've got the thing through as well.\n\nChannel 0: Oh, beautiful. So when you hop in there, there's usually, like, a purple sign button that brings open the document to look at. There's four of them. First one, you should see a Gold Coast Beachfront City picture on it.\n\nChannel 1: One second. Just says sign document. Yep. That's the one. Yep.\n\nChannel 0: Yep. So when you pop in there, you should see the first one. It just lets you have a scroll through with me before you sign anything,\n\nChannel 1: Mhmm.\n\nChannel 0: and you can also skip around the documents as well. So if you just pop down to page was it three on this one? Okay. Page three. You'll see\n\nChannel 1: Yep.\n\nChannel 0: a scope of advice heading in blue.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So main thing that we were doing, this is just updating the portfolio with the super. I did have a chat to you about sort of bumping up the the growth allocation a little bit, get you a\n\nChannel 1: Yep.\n\nChannel 0: bit more returns going, take a bit more risk on.\n\nChannel 1: Yep.\n\nChannel 0: The market kind of went a bit crazy around March. It started plummeting. So it's kind of good that we just held off for a little bit because probably don't\n\nChannel 1: Yep.\n\nChannel 0: wanna go high risk while it's crashing, if that makes sense.\n\nChannel 1: No.\n\nChannel 0: Yeah. Don't don't catch the falling\n\nChannel 1: Yeah.\n\nChannel 0: knife as we say, or with our\n\nChannel 1: Yep.\n\nChannel 0: analogy. So good time for it, and I haven't gone too crazy with the risk of selling just a slight bump up. I'll show you that in a second. And the main thing here is because you're self employed, the the contributions weren't going in yet. We've got the premiums coming out, so we're just trying to get it going for you\n\nChannel 1: Yep. Yep.\n\nChannel 0: in the insurance that's still growing. Beautiful. It'll say estate planning there, which is just a reminder that, hey. Look. You don't have a will, power of attorney, beneficiaries, which get all that sorted as well.\n\nChannel 1: Yep.\n\nChannel 0: And on the next page, I've just got the insurance side of things. We were trying to review that policy, but we haven't been able to get the info for it yet. So, like, I haven't been able to give you a recommendation on it until I can figure it out.\n\nChannel 1: Alright.\n\nChannel 0: But I did do while I'm on the subject, I hunted through the back end through Netwealth, and they sent me through the holding funds that they take premium through for the insurer. And\n\nChannel 1: Right.\n\nChannel 0: it actually came up with four possible insurers. So I'm just wondering while I've got you. There's a group of three, and there's also an insurer stand alone called AIA with the red logo. Do you, by\n\nChannel 1: What?\n\nChannel 0: any chance, recall the names Neos, Futura, or Encompass by any chance?\n\nChannel 1: No. I couldn't no. I don't. It's actually I don't remember. I\n\nChannel 0: No.\n\nChannel 1: don't think\n\nChannel 0: That's\n\nChannel 1: he\n\nChannel 0: totally\n\nChannel 1: even\n\nChannel 0: fine.\n\nChannel 1: told us I don't think he told us who it was through or how he was doing it, but because so what happened was was trying to get a home loan, and then I went through this ad online that said they'd do from start to finish. Like, they help you get the loan, they help\n\nChannel 0: Yes.\n\nChannel 1: you get the house, they give you the keys, and then it's still, like, up to you. Anyway, so I got in touch with them. And and first things first, they said no one will consider you before you even get all these insurances, blah blah blah. So we did that, and then that was the end of it. Never heard from him again.\n\nSo\n\nChannel 0: Yeah. Right.\n\nChannel 1: I\n\nChannel 0: Did\n\nChannel 1: don't\n\nChannel 0: you\n\nChannel 1: know.\n\nChannel 0: end up getting the home one?\n\nChannel 1: No. Oh, I ended up getting approved for a\n\nChannel 0: Do\n\nChannel 1: home loan,\n\nChannel 0: it.\n\nChannel 1: but I didn't end up taking it because I ended up having to come up with the deposit, which I couldn't come up with at the time because I'm self employed. And so few things went wrong, and I ended up having to use the money I had to get. But so since then, I haven't had anything or heard anything or anything at all, really. So I was like, the other thing I was gonna find out is if I have been paying them or or if I haven't been paying them or what's been going on with that as well.\n\nChannel 0: Yeah. Yep. And that's one thing that I don't wanna kind of leave hanging forever kind of thing because 3,600 is a pretty big weight on the super for it to handle\n\nChannel 1: Yep.\n\nChannel 0: by itself. And\n\nChannel 1: Yep.\n\nChannel 0: if that policy is good, crap, I I wouldn't be able to tell you until I look at it. So what I'll do is we'll go through the portfolio now. I'm gonna flick an email afterwards with some info on the dental side of it. And\n\nChannel 1: Yep.\n\nChannel 0: then worst case scenario, all we've gotta do, I reckon, is call up this group, which they actually control all three of those insurers. And if you basically say, hey. Like, here's my name, date of birth, they'd be able to check all three to see if you have a policy with them.\n\nChannel 1: Okay.\n\nChannel 0: So if that's possible to do when you do have a moment, I'll include some info on that in an email, but that should get us the info that I need to have a look at it. And I've also got you paired with an adviser, Veronica, who's kind of gonna be a dedicated adviser for you as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: either one of us is gonna basically dig dive into it as soon as we get the info.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Next page on there. So we're not giving you any advice as is what's not in the document on home purchase budgeting, that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: You basically just keep handling that yourself and going through brokers when it's the right time at the right time. This is just purely focusing on the broker at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Have a flick through for me. I just wanna see if there's been any major changes from the last info collection. So seven and eight has an about new section and\n\nChannel 1: Yeah.\n\nChannel 0: assets and liabilities.\n\nChannel 1: Yep.\n\nChannel 0: So I've got you I think we rounded you off to be about a $100 as a concreter. I know we've just gone through tax time. Is that majorly different?\n\nChannel 1: No. It's still about the same.\n\nChannel 0: Cool. Still self employed. Accurate there. We've got the truck, the u the Commodore, and the boat.\n\nChannel 1: Yep.\n\nChannel 0: Cool. And no other, like, debts, loans, personal loans, nothing like that at the moment. Still just trying to get through that home loan and, of course, the the dental work in between.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Can you see on that page with the assets and liabilities with the truck and everything in? The third section there says your current risk protection in rate, and it's got a little box there. I was able to find out the cost of the insurances because it came out of the super. And, again, that's $3,670.53 before\n\nChannel 1: Yep.\n\nChannel 0: the 15% rebate. So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you. Fingers crossed.\n\nChannel 1: Yep.\n\nChannel 0: Cool. If you go down past there, so we've got risk profile. Again, I was talking about just bumping up to the high growth with you. So I'll go through that in a second. Page 10 has a bit of an exploded little colored pie chart about what high growth kinda looks like in terms of what you invested.\n\nBut can you see there's a big block of text on page 11 under strategy recommendations?\n\nChannel 1: Yep.\n\nChannel 0: So what we've done in here is all the reasons for the changes that we're looking to do for the portfolio. So we're gonna keep Netwealth for the time being. It's got well over 700 investment options. There are plenty of options to work with.\n\nChannel 1: Yep.\n\nChannel 0: We did factor in a little bit of capital gains tax happens when you move investments within super around. So I've factored\n\nChannel 1: Right.\n\nChannel 0: that in as well to make sure it's still worth doing.\n\nChannel 1: Yep.\n\nChannel 0: But we're also getting like, for example, if we switched everything now, it probably costs around $6.62 out of the super, but we'd\n\nChannel 1: Mhmm.\n\nChannel 0: be saving $730 a year in investment fee.\n\nChannel 1: Okay.\n\nChannel 0: So kind of make it back up in the first year just in fees alone.\n\nChannel 1: Yep.\n\nChannel 0: Again, I'm not projecting you out twenty two years because I can't tell what's gonna change in your life that far out, but\n\nChannel 1: Yeah.\n\nChannel 0: I have done a good five to ten year projection for you.\n\nChannel 1: Okay.\n\nChannel 0: And the main thing, of course, is bumping up your growth allocation a little bit. That's gonna make it, you know, higher highs, lower lows. It's\n\nChannel 1: Yep.\n\nChannel 0: gonna have a higher long term return, but it's gonna have some bigger swings in in between.\n\nChannel 1: Yep.\n\nChannel 0: So just a reminder a quick reminder I'll do because you go through that annual review to see how it tracks. You can give it twelve months. Here we go. But\n\nChannel 1: Yep.\n\nChannel 0: when the market goes up, this portfolio tends to jump, like, ten, twenty, 30% in a year. And then once every six or seven years, market's gonna dip, and it's gonna drop down that 20%. So the\n\nChannel 1: Yep.\n\nChannel 0: idea is if we average it out over a decade and you're consistently getting, like, a 10% average, we're on track.\n\nChannel 1: Yep.\n\nChannel 0: Cool? If you go down, there's a table on the next page, advantages and disadvantages. Exactly what I just said, bit of capital gains tax, lower investment fees. We bump up the growth allocation. Performance is looking really good.\n\nThe only other little thing is all of the investments we use with our view, they're ETF. So you've got to kind of pay a bit of brokerage fee to purchase them. And then once\n\nChannel 1: Yep.\n\nChannel 0: you've got them, they're the cheapest fees ongoing.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: So skip down a couple more pages for me. You'll see a blue table on pages fourteen and fifteen,\n\nChannel 1: Yep.\n\nChannel 0: and it should say, like, a fee comparison there. Cool. So we've got the top right for the difference of the $6.02. That's your capital gains tax popping out. Below that, you've got the investment fee drops by seven twenty nine.\n\nThat's it's percentage based, so based on your current balance. But it basically chops off two thirds of your investment fees by switching to the ETFs that we've picked.\n\nChannel 1: Yep.\n\nChannel 0: If you look at the bottom, five year rolling average, basically, what was happening recently too is a lot of Australian investment and some of your safer options kind of weren't doing too well around the March period. So that was\n\nChannel 1: Hello?\n\nChannel 0: pulling your return down.\n\nChannel 1: Yep.\n\nChannel 0: If we switch all these back up, it'll bring you back up into the double digits from six\n\nChannel 1: Okay.\n\nChannel 0: to 12.22.\n\nChannel 1: Yep.\n\nChannel 0: Cool. On the next page, this is kind of the trajectory of projections here. Without the contributions going in and with that 3,600 coming out for the premium, if we kind of left everything as it was, you'd actually be going backwards,\n\nChannel 1: Right.\n\nChannel 0: and we're projecting it would drop to, like, $1.30, $1.20, and just slowly get depleted in fees.\n\nChannel 1: Yep.\n\nChannel 0: But bumping up to high growth should actually offset that, and you should actually be back to growing it pretty fast. So we're predicting somewhere between 50 to $100 better off over five and ten years. Your safe balance won't actually get back into green again\n\nChannel 1: Yep.\n\nChannel 0: even if you don't put anything in.\n\nChannel 1: Okay.\n\nChannel 0: Cool. The major changes I wanted to just quickly show you, not to go too crazy with it, but page 16 is a big table red heading called investments. There's a lot of figures and percentages and dollar signs all over it if you can see that.\n\nChannel 1: Yep.\n\nChannel 0: Basically, all the options are on the left is kind of what you've got, what we're recommending. What I really wanted to show you was can you see that second last column called target weight percent? And it's got, like, those round figures below it, 7%\n\nChannel 1: Yep.\n\nChannel 0: zero zero. So all of the round figures are basically just being rebalanced back to where they should be. You know, if there were seven, they go back to eight and so on. The second and third one, Bennelong and Vanguard are the ones that I'm kind of removing. Bennelong with some Australian shares, Vanguard with some safe fixed interest, but both of them were kind of dragging their feet a little bit.\n\nBut those\n\nChannel 1: Yep.\n\nChannel 0: are getting removed, and I'm putting in the two at the bottom. BetaShares Australia 200 and the IAF for composite bonds. So those two\n\nChannel 1: Yep.\n\nChannel 0: alone pretty much make the biggest difference. The rest of it is being brought back to the middle. Now what that kind of does for you as well is if you skip down two more pages, and we're at the last one here. There's a pie chart, colored pie chart, method allocation on page 18.\n\nChannel 1: Yep.\n\nChannel 0: And can you see in the middle row, it's got a gray bar and it says growth total. And if you go across, it goes ninety, eighty eight, 94.\n\nChannel 1: Yep.\n\nChannel 0: You basically want around about 90% growth assets if you're sitting in high growth. You're currently sitting at about 89. I'm just bumping you up about 5%. So 90 to\n\nChannel 1: Okay.\n\nChannel 0: a 100, you'd be sitting at 94. We're not going crazy with the risk. It's just a 5% swing from the, like, the bonds and fixed interest up to the shares and property in gold, but the\n\nChannel 1: Yep.\n\nChannel 0: rest of it is just switching out to bad apples.\n\nChannel 1: Fair enough.\n\nChannel 0: Cool. Any questions on that so far? Does it make sense?\n\nChannel 1: Yeah. No. That's makes sense.\n\nChannel 0: Beauty? Every other section after that is estate planning. So just a reminder, if we haven't already sorted out the paperwork to get your partner on this beneficiary for the Netwealth, I actually couldn't see the system is taking its time to load whether we actually put your partner on for the Netwealth super beneficiary yet.\n\nChannel 1: Yeah. I'm not sure.\n\nChannel 0: I'll have a flag with Michelle, and I might get her to put that document out here to update it. And the rest of it's pretty much just like why you should have a will and a power of attorney.\n\nChannel 1: Yep.\n\nChannel 0: I'm not gonna remind\n\nChannel 1: Yep.\n\nChannel 0: you about why you should do that. Services at the bottom, the our fees reiterated there as well. Our service agreement consent with Netwealth has expired, so I've just included that in there if you're still happy for us to look after things. The same agreement there, 1.65% of the fee. And we have brought in a a new tier fee structure for.\n\nSo I want to just quickly update you on that one as well. Everyone above 300,000, we're starting to apply a percentage discount. So when you get\n\nChannel 1: Yep.\n\nChannel 0: between 200 and 0.5 a mil, it'll drop the the fee, and then from 0.5 a mil to a mil, it'll drop again. So I\n\nChannel 1: Okay.\n\nChannel 0: think you're sitting at about the $1.50 mark. Once you\n\nChannel 1: Yep.\n\nChannel 0: get to 200, it will start to drop.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Outside of that, mate, I'm I'm happy to send you through an email with the info to get the the dental super access.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, you understand the risk of taking a bit of money out of super can affect your super.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And for that that policy, if we can tee up a bit of a time when you do have fifteen minutes to give Neos a call and see if they've got a policy for you, I'll basically tell you exactly what to say to them. Just jump on in the morning if you've got ten minutes spare before they get this long hold time, and\n\nChannel 1: Yep.\n\nChannel 0: they'll be able to check if there's one there. If there is one, we can get an info document from them, and I can deep dive it.\n\nChannel 1: Okay. What's going on?\n\nChannel 0: Yeah. Yeah. And, again, if it's one of the things where it's too expensive and someone else is out there better, I can look at replacing it. If it's too high, too low, we can adjust it as well.\n\nChannel 1: Alright.\n\nChannel 0: Beauty.\n\nChannel 1: Sounds\n\nChannel 0: For\n\nChannel 1: good.\n\nChannel 0: this one, you should see some buttons on there to like, if you actually hit sign button, it'll bring you to the spot to put your signature and the date and the name, it'll stamp it for you. But there's also a button that says next document as well. So once you're done with this one, this is your authority to proceed consent. It'll give you the appendix with the research, the consent form with Netwealth, and then just the product disclosure document. That's the usual how big NetWealth at the moment.\n\n66 pages of product info for your. So you don't have to scroll through all the 66 pages. You can skip through it. But but any questions for me, mate, before I let you go?\n\nChannel 1: No. That's all for now, really.\n\nChannel 0: Cool. If you do have a second, if you could just see if those buttons work for you to provide your consent, I'll get Connor and his team to jump on and switch your investments. I think they do a lot of the investment switching on a Friday, so I should be able to put it in for tomorrow's trade orders. And then\n\nChannel 1: Nope.\n\nChannel 0: I should have an email off to you end of Monday at the latest for that info.\n\nChannel 1: Alright. Too easy.\n\nChannel 0: Beautiful, mate. I appreciate you taking the time. I won't keep you for the evening, but if you have any questions, give us a buzz. I'll split the email into two Just you've got one for the dental, one for the insurance, just to make it easy to search up with further down the line.\n\nChannel 1: Awesome. Thank you, mate.\n\nChannel 0: No worries. Have a fantastic day, and I'll talk to you again soon.\n\nChannel 1: Cheers. You too.\n\nChannel 0: Thanks, man. Bye.\n\nChannel 1: K, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.033124059438705444}],"sentiment":"neutral","sentiment_score":0.033124059438705444,"channel":1,"num_words":1,"start":1.68,"end":2.1799998},{"sentences":[{"text":"Good day, Ben.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.21614867448806763},{"text":"It's Tommy here from.","start":4.16,"end":5.46,"sentiment":"neutral","sentiment_score":0.15213032066822052},{"text":"How you been?","start":5.6,"end":6.42,"sentiment":"neutral","sentiment_score":0.11541049679120381}],"sentiment":"neutral","sentiment_score":0.16031987965106964,"channel":0,"num_words":10,"start":3.6,"end":6.42},{"sentences":[{"text":"Good.","start":6.96,"end":7.2,"sentiment":"positive","sentiment_score":0.4033787250518799},{"text":"Thanks, mate.","start":7.2,"end":8.02,"sentiment":"positive","sentiment_score":0.5437517911195755}],"sentiment":"positive","sentiment_score":0.4969607690970103,"channel":1,"num_words":3,"start":6.96,"end":8.02},{"sentences":[{"text":"I've got this updated document to flick through to you today.","start":9.599999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.28774749961766327},{"text":"Will you be able to access your emails for me?","start":13.599999,"end":15.615,"sentiment":"neutral","sentiment_score":0.1119962677359581}],"sentiment":"neutral","sentiment_score":0.2040564368168513,"channel":0,"num_words":21,"start":9.599999,"end":15.615},{"sentences":[{"text":"Yep.","start":17.375,"end":17.695,"sentiment":"neutral","sentiment_score":0.07136466354131699},{"text":"Just a 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alone.","start":794.67,"end":797.88995,"sentiment":"neutral","sentiment_score":0.3041927138964335}],"sentiment":"neutral","sentiment_score":0.3041927138964335,"channel":0,"num_words":15,"start":794.67,"end":797.88995},{"sentences":[{"text":"Yep.","start":798.385,"end":798.885,"sentiment":"neutral","sentiment_score":0.2576375901699066}],"sentiment":"neutral","sentiment_score":0.2576375901699066,"channel":1,"num_words":1,"start":798.385,"end":798.885},{"sentences":[{"text":"Again, I'm not projecting you out twenty two years because I can't tell what's gonna change in your life that far out, 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lows.","start":814.09503,"end":817.23505,"sentiment":"neutral","sentiment_score":0.13998699486255645},{"text":"It's","start":817.455,"end":817.615,"sentiment":"neutral","sentiment_score":0.1219569593667984}],"sentiment":"neutral","sentiment_score":0.18068142235279083,"channel":0,"num_words":26,"start":810.175,"end":817.615},{"sentences":[{"text":"Yep.","start":817.51,"end":818.01,"sentiment":"neutral","sentiment_score":0.16101717948913574}],"sentiment":"neutral","sentiment_score":0.16101717948913574,"channel":1,"num_words":1,"start":817.51,"end":818.01},{"sentences":[{"text":"gonna have a higher long term return, but it's gonna have some bigger swings in in between.","start":817.615,"end":821.89996,"sentiment":"neutral","sentiment_score":0.0901524279924}],"sentiment":"neutral","sentiment_score":0.0901524279924,"channel":0,"num_words":17,"start":817.615,"end":821.89996},{"sentences":[{"text":"Yep.","start":822.31,"end":822.81,"sentiment":"neutral","sentiment_score":0.08680879324674606}],"sentiment":"neutral","sentiment_score":0.08680879324674606,"channel":1,"num_words":1,"start":822.31,"end":822.81},{"sentences":[{"text":"So just a reminder a quick reminder I'll do because you go through that annual review to see how it tracks.","start":825.07996,"end":830.06,"sentiment":"neutral","sentiment_score":0.12984467829976762},{"text":"You can give it twelve months.","start":830.44,"end":831.63995,"sentiment":"neutral","sentiment_score":0.08533178518215816},{"text":"Here we go.","start":831.63995,"end":832.425,"sentiment":"neutral","sentiment_score":0.07977910339832306},{"text":"But","start":832.745,"end":833.245,"sentiment":"neutral","sentiment_score":0.09487514197826384}],"sentiment":"neutral","sentiment_score":0.11525617443746136,"channel":0,"num_words":31,"start":825.07996,"end":833.245},{"sentences":[{"text":"Yep.","start":833.045,"end":833.545,"sentiment":"neutral","sentiment_score":0.09746204316616058}],"sentiment":"neutral","sentiment_score":0.09746204316616058,"channel":1,"num_words":1,"start":833.045,"end":833.545},{"sentences":[{"text":"when the market goes up, this portfolio tends to jump, like, ten, twenty, 30% in a year.","start":833.385,"end":839.885,"sentiment":"neutral","sentiment_score":0.08042856174356797},{"text":"And then once every six or seven years, market's gonna dip, and it's gonna drop down that 20%.","start":840.185,"end":846.54,"sentiment":"neutral","sentiment_score":-0.05320841529303127},{"text":"So the","start":846.77997,"end":847.18,"sentiment":"neutral","sentiment_score":0.12457067519426346}],"sentiment":"neutral","sentiment_score":0.017802038506881612,"channel":0,"num_words":37,"start":833.385,"end":847.18},{"sentences":[{"text":"Yep.","start":847.13,"end":847.63,"sentiment":"neutral","sentiment_score":0.2162880897521973}],"sentiment":"neutral","sentiment_score":0.2162880897521973,"channel":1,"num_words":1,"start":847.13,"end":847.63},{"sentences":[{"text":"idea is if we average it out over a decade and you're consistently getting, like, a 10% average, we're on track.","start":847.18,"end":853.92,"sentiment":"positive","sentiment_score":0.3518806908811842}],"sentiment":"positive","sentiment_score":0.3518806908811842,"channel":0,"num_words":21,"start":847.18,"end":853.92},{"sentences":[{"text":"Yep.","start":854.26495,"end":854.76495,"sentiment":"neutral","sentiment_score":0.12303844094276428}],"sentiment":"neutral","sentiment_score":0.12303844094276428,"channel":1,"num_words":1,"start":854.26495,"end":854.76495},{"sentences":[{"text":"Cool?","start":856.69995,"end":857.19995,"sentiment":"positive","sentiment_score":0.4031128883361816},{"text":"If you go down, there's a table on the next page, advantages and disadvantages.","start":857.5,"end":860.95996,"sentiment":"neutral","sentiment_score":0.027909048766429936},{"text":"Exactly what I just said, bit of capital gains tax, lower investment fees.","start":861.875,"end":866.455,"sentiment":"neutral","sentiment_score":0.21318072309860817},{"text":"We bump up the growth allocation.","start":866.515,"end":868.135,"sentiment":"positive","sentiment_score":0.6337386171023051},{"text":"Performance is looking really good.","start":868.59503,"end":870.115,"sentiment":"positive","sentiment_score":0.8105041742324829}],"sentiment":"neutral","sentiment_score":0.2928241421826757,"channel":0,"num_words":39,"start":856.69995,"end":870.115},{"sentences":[{"text":"The only other little thing is all of the investments we use with our view, they're ETF.","start":870.115,"end":875.31,"sentiment":"neutral","sentiment_score":0.08649566944907694},{"text":"So you've got to kind of pay a bit of brokerage fee to purchase them.","start":875.87,"end":879.63,"sentiment":"neutral","sentiment_score":0.036567963659763336},{"text":"And then once","start":879.63,"end":880.27,"sentiment":"neutral","sentiment_score":0.11405788113673528}],"sentiment":"neutral","sentiment_score":0.06746055654117039,"channel":0,"num_words":35,"start":870.115,"end":880.27},{"sentences":[{"text":"Yep.","start":880.135,"end":880.635,"sentiment":"neutral","sentiment_score":0.21441861987113953}],"sentiment":"neutral","sentiment_score":0.21441861987113953,"channel":1,"num_words":1,"start":880.135,"end":880.635},{"sentences":[{"text":"you've got them, they're the cheapest fees ongoing.","start":880.27,"end":882.52997,"sentiment":"neutral","sentiment_score":0.2911214269697666}],"sentiment":"neutral","sentiment_score":0.2911214269697666,"channel":0,"num_words":8,"start":880.27,"end":882.52997},{"sentences":[{"text":"Yep.","start":883.09503,"end":883.59503,"sentiment":"neutral","sentiment_score":0.21925418078899384}],"sentiment":"neutral","sentiment_score":0.21925418078899384,"channel":1,"num_words":1,"start":883.09503,"end":883.59503},{"sentences":[{"text":"Cool.","start":885.39,"end":885.63,"sentiment":"positive","sentiment_score":0.3358743190765381}],"sentiment":"positive","sentiment_score":0.3358743190765381,"channel":0,"num_words":1,"start":885.39,"end":885.63},{"sentences":[{"text":"Yep.","start":885.48,"end":885.98,"sentiment":"neutral","sentiment_score":0.18603543937206268}],"sentiment":"neutral","sentiment_score":0.18603543937206268,"channel":1,"num_words":1,"start":885.48,"end":885.98},{"sentences":[{"text":"So skip down a couple more pages for me.","start":885.63,"end":887.63,"sentiment":"neutral","sentiment_score":0.09679682470030254},{"text":"You'll see a blue table on pages fourteen and fifteen,","start":887.63,"end":891.69495,"sentiment":"neutral","sentiment_score":0.09114569872617721}],"sentiment":"neutral","sentiment_score":0.09382254787181553,"channel":0,"num_words":19,"start":885.63,"end":891.69495},{"sentences":[{"text":"Yep.","start":891.4875,"end":891.9875,"sentiment":"neutral","sentiment_score":0.10416211932897568}],"sentiment":"neutral","sentiment_score":0.10416211932897568,"channel":1,"num_words":1,"start":891.4875,"end":891.9875},{"sentences":[{"text":"and it should say, like, a fee comparison there.","start":892.555,"end":895.13495,"sentiment":"neutral","sentiment_score":0.11334897081057231},{"text":"Cool.","start":899.27496,"end":899.675,"sentiment":"neutral","sentiment_score":0.27947568893432617},{"text":"So we've got the top right for the difference of the $6.02.","start":899.675,"end":903.0,"sentiment":"neutral","sentiment_score":0.1181546300649643},{"text":"That's your capital gains tax popping out.","start":903.0,"end":905.24,"sentiment":"neutral","sentiment_score":0.07581769462142672},{"text":"Below that, you've got the investment fee drops by seven twenty nine.","start":905.24,"end":909.18,"sentiment":"neutral","sentiment_score":0.05966374961038431}],"sentiment":"neutral","sentiment_score":0.09668684987033285,"channel":0,"num_words":41,"start":892.555,"end":909.18},{"sentences":[{"text":"That's it's percentage based, so based on your current balance.","start":909.32,"end":912.7,"sentiment":"neutral","sentiment_score":0.06442291326820851},{"text":"But it basically chops off two thirds of your investment fees by switching to the ETFs that we've picked.","start":913.24,"end":919.535,"sentiment":"neutral","sentiment_score":0.04910027020071682}],"sentiment":"neutral","sentiment_score":0.05438394022398982,"channel":0,"num_words":29,"start":909.32,"end":919.535},{"sentences":[{"text":"Yep.","start":919.99,"end":920.49,"sentiment":"neutral","sentiment_score":0.1212114244699478}],"sentiment":"neutral","sentiment_score":0.1212114244699478,"channel":1,"num_words":1,"start":919.99,"end":920.49},{"sentences":[{"text":"If you look at the bottom, five year rolling average, basically, what was happening recently too is a lot of Australian investment and some of your safer options kind of weren't doing too well around the March period.","start":920.395,"end":935.50995,"sentiment":"neutral","sentiment_score":-0.028923744335770607},{"text":"So that was","start":935.64996,"end":936.29,"sentiment":"neutral","sentiment_score":0.025424301624298096}],"sentiment":"neutral","sentiment_score":-0.024947058046009482,"channel":0,"num_words":41,"start":920.395,"end":936.29},{"sentences":[{"text":"Hello?","start":936.245,"end":936.51,"sentiment":"neutral","sentiment_score":0.020145555958151817}],"sentiment":"neutral","sentiment_score":0.020145555958151817,"channel":1,"num_words":1,"start":936.245,"end":936.51},{"sentences":[{"text":"pulling your return down.","start":936.29,"end":937.75,"sentiment":"neutral","sentiment_score":0.013761511072516441}],"sentiment":"neutral","sentiment_score":0.013761511072516441,"channel":0,"num_words":4,"start":936.29,"end":937.75},{"sentences":[{"text":"Yep.","start":938.11,"end":938.61,"sentiment":"neutral","sentiment_score":0.12916192412376404}],"sentiment":"neutral","sentiment_score":0.12916192412376404,"channel":1,"num_words":1,"start":938.11,"end":938.61},{"sentences":[{"text":"If we switch all these back up, it'll bring you back up into the double digits from six","start":938.61,"end":942.61,"sentiment":"neutral","sentiment_score":0.11761439446773794}],"sentiment":"neutral","sentiment_score":0.11761439446773794,"channel":0,"num_words":18,"start":938.61,"end":942.61},{"sentences":[{"text":"Okay.","start":942.43,"end":942.93,"sentiment":"neutral","sentiment_score":0.04021548479795456}],"sentiment":"neutral","sentiment_score":0.04021548479795456,"channel":1,"num_words":1,"start":942.43,"end":942.93},{"sentences":[{"text":"to 12.22.","start":942.61,"end":944.06995,"sentiment":"neutral","sentiment_score":0.040209291502833366}],"sentiment":"neutral","sentiment_score":0.040209291502833366,"channel":0,"num_words":2,"start":942.61,"end":944.06995},{"sentences":[{"text":"Yep.","start":944.83,"end":945.33,"sentiment":"neutral","sentiment_score":0.19559626281261444}],"sentiment":"neutral","sentiment_score":0.19559626281261444,"channel":1,"num_words":1,"start":944.83,"end":945.33},{"sentences":[{"text":"Cool.","start":945.97,"end":946.365,"sentiment":"neutral","sentiment_score":0.29049262404441833},{"text":"On the next page, this is kind of the trajectory of projections here.","start":946.845,"end":951.58496,"sentiment":"neutral","sentiment_score":0.0789399602665351},{"text":"Without the contributions going in and with that 3,600 coming out for the premium, if we kind of left everything as it was, you'd actually be going backwards,","start":952.125,"end":960.385,"sentiment":"neutral","sentiment_score":0.010551582838940834}],"sentiment":"neutral","sentiment_score":0.038384676833326616,"channel":0,"num_words":42,"start":945.97,"end":960.385},{"sentences":[{"text":"Right.","start":961.085,"end":961.44,"sentiment":"neutral","sentiment_score":-0.0021142493933439255}],"sentiment":"neutral","sentiment_score":-0.0021142493933439255,"channel":1,"num_words":1,"start":961.085,"end":961.44},{"sentences":[{"text":"and we're projecting it would drop to, like, $1.30, $1.20, and just slowly get depleted in fees.","start":961.13995,"end":966.44,"sentiment":"neutral","sentiment_score":-0.018616266877335662}],"sentiment":"neutral","sentiment_score":-0.018616266877335662,"channel":0,"num_words":17,"start":961.13995,"end":966.44},{"sentences":[{"text":"Yep.","start":966.96,"end":967.46,"sentiment":"neutral","sentiment_score":0.1805277317762375}],"sentiment":"neutral","sentiment_score":0.1805277317762375,"channel":1,"num_words":1,"start":966.96,"end":967.46},{"sentences":[{"text":"But bumping up to high growth should actually offset that, and you should actually be back to growing it pretty fast.","start":966.98,"end":973.56,"sentiment":"positive","sentiment_score":0.3935701343275252},{"text":"So we're predicting somewhere between 50 to $100 better off over five and ten years.","start":973.86,"end":980.475,"sentiment":"neutral","sentiment_score":0.2933709797759851},{"text":"Your safe balance won't actually get back into green 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here.","start":1062.735,"end":1068.035,"sentiment":"neutral","sentiment_score":0.17241511076688767},{"text":"There's a pie chart, colored pie chart, method allocation on page 18.","start":1068.815,"end":1073.075,"sentiment":"neutral","sentiment_score":0.09708414413034916}],"sentiment":"neutral","sentiment_score":0.1626183564012701,"channel":0,"num_words":55,"start":1055.37,"end":1073.075},{"sentences":[{"text":"Yep.","start":1074.525,"end":1074.75,"sentiment":"neutral","sentiment_score":0.1267484724521637}],"sentiment":"neutral","sentiment_score":0.1267484724521637,"channel":1,"num_words":1,"start":1074.525,"end":1074.75},{"sentences":[{"text":"And can you see in the middle row, it's got a gray bar and it says growth total.","start":1076.91,"end":1081.65,"sentiment":"neutral","sentiment_score":0.10730058658454153},{"text":"And if you go across, it goes ninety, eighty eight, 94.","start":1081.71,"end":1086.29,"sentiment":"neutral","sentiment_score":0.12093706632202322}],"sentiment":"neutral","sentiment_score":0.1124730444160001,"channel":0,"num_words":29,"start":1076.91,"end":1086.29},{"sentences":[{"text":"Yep.","start":1087.31,"end":1087.635,"sentiment":"neutral","sentiment_score":0.1890305131673813}],"sentiment":"neutral","sentiment_score":0.1890305131673813,"channel":1,"num_words":1,"start":1087.31,"end":1087.635},{"sentences":[{"text":"You basically want around about 90% growth assets if you're sitting in high growth.","start":1089.815,"end":1094.475,"sentiment":"neutral","sentiment_score":0.2528216594031879},{"text":"You're currently sitting at about 89.","start":1094.535,"end":1096.5549,"sentiment":"neutral","sentiment_score":0.23647908369700113},{"text":"I'm just bumping you up about 5%.","start":1097.1749,"end":1099.195,"sentiment":"positive","sentiment_score":0.42415708729199003},{"text":"So 90 to","start":1099.655,"end":1100.375,"sentiment":"neutral","sentiment_score":0.1568183700243632}],"sentiment":"neutral","sentiment_score":0.2799310818314552,"channel":0,"num_words":30,"start":1089.815,"end":1100.375},{"sentences":[{"text":"Okay.","start":1100.23,"end":1100.73,"sentiment":"neutral","sentiment_score":0.14317463338375092}],"sentiment":"neutral","sentiment_score":0.14317463338375092,"channel":1,"num_words":1,"start":1100.23,"end":1100.73},{"sentences":[{"text":"a 100, you'd be sitting at 94.","start":1100.375,"end":1102.315,"sentiment":"neutral","sentiment_score":0.2291244055543627},{"text":"We're not going crazy with the risk.","start":1102.455,"end":1104.135,"sentiment":"neutral","sentiment_score":-0.03864910506776401},{"text":"It's just a 5% swing from the, like, the bonds and fixed interest up to the shares and property in gold, but the","start":1104.135,"end":1111.9099,"sentiment":"neutral","sentiment_score":-0.0096887885187955}],"sentiment":"neutral","sentiment_score":0.030013107229024172,"channel":0,"num_words":37,"start":1100.375,"end":1111.9099},{"sentences":[{"text":"Yep.","start":1111.9099,"end":1112.085,"sentiment":"neutral","sentiment_score":-0.1036866158246994}],"sentiment":"neutral","sentiment_score":-0.1036866158246994,"channel":1,"num_words":1,"start":1111.9099,"end":1112.085},{"sentences":[{"text":"rest of it is just switching out to bad apples.","start":1111.9099,"end":1114.01,"sentiment":"neutral","sentiment_score":-0.27176551669836047}],"sentiment":"neutral","sentiment_score":-0.27176551669836047,"channel":0,"num_words":10,"start":1111.9099,"end":1114.01},{"sentences":[{"text":"Fair enough.","start":1114.725,"end":1115.465,"sentiment":"neutral","sentiment_score":0.17857585847377777}],"sentiment":"neutral","sentiment_score":0.17857585847377777,"channel":1,"num_words":2,"start":1114.725,"end":1115.465},{"sentences":[{"text":"Cool.","start":1117.27,"end":1117.605,"sentiment":"positive","sentiment_score":0.39727866649627686},{"text":"Any questions on that so far?","start":1118.485,"end":1119.845,"sentiment":"neutral","sentiment_score":0.21478582670291266},{"text":"Does it make sense?","start":1119.845,"end":1120.745,"sentiment":"neutral","sentiment_score":0.10263645090162754}],"sentiment":"neutral","sentiment_score":0.19059449366547845,"channel":0,"num_words":11,"start":1117.27,"end":1120.745},{"sentences":[{"text":"Yeah.","start":1121.365,"end":1121.5249,"sentiment":"neutral","sentiment_score":0.06023429706692696},{"text":"No.","start":1121.5249,"end":1121.6849,"sentiment":"neutral","sentiment_score":-0.01872844249010086},{"text":"That's makes sense.","start":1121.6849,"end":1122.745,"sentiment":"neutral","sentiment_score":0.10816524053613345}],"sentiment":"neutral","sentiment_score":0.07320031523704529,"channel":1,"num_words":5,"start":1121.365,"end":1122.745},{"sentences":[{"text":"Beauty?","start":1124.885,"end":1125.385,"sentiment":"neutral","sentiment_score":0.26547664403915405},{"text":"Every other section after that is estate planning.","start":1125.9249,"end":1128.985,"sentiment":"neutral","sentiment_score":0.100758439861238},{"text":"So just a reminder, if we haven't already sorted out the paperwork to get your partner on this beneficiary for the Netwealth, I actually couldn't see the system is taking its time to load whether we actually put your partner on for the Netwealth super beneficiary yet.","start":1129.125,"end":1144.305,"sentiment":"neutral","sentiment_score":-0.11530767951874023}],"sentiment":"neutral","sentiment_score":-0.07764137097235237,"channel":0,"num_words":56,"start":1124.885,"end":1144.305},{"sentences":[{"text":"Yeah.","start":1145.225,"end":1145.465,"sentiment":"neutral","sentiment_score":-0.06142318993806839},{"text":"I'm not sure.","start":1145.465,"end":1146.285,"sentiment":"neutral","sentiment_score":-0.11959236115217209}],"sentiment":"neutral","sentiment_score":-0.10505006834864616,"channel":1,"num_words":4,"start":1145.225,"end":1146.285},{"sentences":[{"text":"I'll have a flag with Michelle, and I might get her to put that document out here to update it.","start":1148.385,"end":1153.4451,"sentiment":"neutral","sentiment_score":-0.05120979957282543},{"text":"And the rest of it's pretty much just like why you should have a will and a power of 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about why you should do that.","start":1158.145,"end":1159.44,"sentiment":"neutral","sentiment_score":-0.059668050812823434},{"text":"Services at the bottom, the our fees reiterated there as well.","start":1161.12,"end":1165.7,"sentiment":"neutral","sentiment_score":0.03963743725960905},{"text":"Our service agreement consent with Netwealth has expired, so I've just included that in there if you're still happy for us to look after things.","start":1166.3999,"end":1173.94,"sentiment":"neutral","sentiment_score":0.08422814719378949},{"text":"The same agreement there, 1.65% of the fee.","start":1174.8799,"end":1179.495,"sentiment":"neutral","sentiment_score":0.09246441535651684},{"text":"And we have brought in a a new tier fee structure for.","start":1179.875,"end":1184.775,"sentiment":"neutral","sentiment_score":0.1050633614261945}],"sentiment":"neutral","sentiment_score":0.06546848879328795,"channel":0,"num_words":63,"start":1158.145,"end":1184.775},{"sentences":[{"text":"So I want to just quickly update you on that one as well.","start":1185.075,"end":1188.0549,"sentiment":"neutral","sentiment_score":0.15675712204896486},{"text":"Everyone above 300,000, we're starting to apply a percentage discount.","start":1189.155,"end":1195.11,"sentiment":"neutral","sentiment_score":0.03765430860221386},{"text":"So when you get","start":1195.97,"end":1197.09,"sentiment":"neutral","sentiment_score":0.0586659787222743}],"sentiment":"neutral","sentiment_score":0.09811294768695478,"channel":0,"num_words":27,"start":1185.075,"end":1197.09},{"sentences":[{"text":"Yep.","start":1197.045,"end":1197.545,"sentiment":"neutral","sentiment_score":0.02813846431672573}],"sentiment":"neutral","sentiment_score":0.02813846431672573,"channel":1,"num_words":1,"start":1197.045,"end":1197.545},{"sentences":[{"text":"between 200 and 0.5 a mil, it'll drop the the fee, and then from 0.5 a mil to a mil, it'll drop 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it.","start":1248.54,"end":1253.76,"sentiment":"neutral","sentiment_score":0.09928634183274375}],"sentiment":"neutral","sentiment_score":0.11679498630541342,"channel":0,"num_words":27,"start":1247.1,"end":1253.76},{"sentences":[{"text":"Okay.","start":1254.345,"end":1254.665,"sentiment":"neutral","sentiment_score":0.023557033389806747},{"text":"What's going on?","start":1254.665,"end":1255.725,"sentiment":"neutral","sentiment_score":-0.0043291687810172634}],"sentiment":"neutral","sentiment_score":0.002642381761688739,"channel":1,"num_words":4,"start":1254.345,"end":1255.725},{"sentences":[{"text":"Yeah.","start":1257.82,"end":1258.22,"sentiment":"neutral","sentiment_score":-0.04660980403423309},{"text":"Yeah.","start":1258.22,"end":1258.62,"sentiment":"neutral","sentiment_score":-0.07302919775247574},{"text":"And, again, if it's one of the things where it's too expensive and someone else is out there better, I can look at replacing it.","start":1258.62,"end":1264.805,"sentiment":"neutral","sentiment_score":-0.2717404180765152},{"text":"If it's too high, too low, we can adjust it as 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one, you should see some buttons on there to like, if you actually hit sign button, it'll bring you to the spot to put your signature and the date and the name, it'll stamp it for you.","start":1272.245,"end":1282.9,"sentiment":"neutral","sentiment_score":0.24637568624396072},{"text":"But there's also a button that says next document as well.","start":1282.9,"end":1285.9601,"sentiment":"neutral","sentiment_score":0.1303820779377764},{"text":"So once you're done with this one, this is your authority to proceed consent.","start":1286.1,"end":1290.325,"sentiment":"neutral","sentiment_score":0.18291979283094406},{"text":"It'll give you the appendix with the research, the consent form with Netwealth, and then just the product disclosure document.","start":1290.785,"end":1297.585,"sentiment":"neutral","sentiment_score":0.14848790988326072},{"text":"That's the usual how big NetWealth at the 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go?","start":1309.51,"end":1313.835,"sentiment":"neutral","sentiment_score":0.04209822447349628}],"sentiment":"neutral","sentiment_score":0.09483693252716746,"channel":0,"num_words":35,"start":1300.63,"end":1313.835},{"sentences":[{"text":"No.","start":1314.7899,"end":1315.0299,"sentiment":"neutral","sentiment_score":-0.0591687336564064},{"text":"That's all for now, really.","start":1315.0299,"end":1316.49,"sentiment":"neutral","sentiment_score":0.018045269697904584}],"sentiment":"neutral","sentiment_score":0.005176269138852753,"channel":1,"num_words":6,"start":1314.7899,"end":1316.49},{"sentences":[{"text":"Cool.","start":1319.595,"end":1320.095,"sentiment":"positive","sentiment_score":0.4688551127910614},{"text":"If you do have a second, if you could just see if those buttons work for you to provide your consent, I'll get Connor and his team to jump on and switch your investments.","start":1320.315,"end":1329.77,"sentiment":"neutral","sentiment_score":0.280861489036504},{"text":"I think they do a lot of the investment switching on a Friday, so I should be able to put it in for tomorrow's trade orders.","start":1329.8301,"end":1336.01,"sentiment":"positive","sentiment_score":0.3403839274094655},{"text":"And then","start":1336.31,"end":1337.03,"sentiment":"neutral","sentiment_score":0.11465698480606079}],"sentiment":"neutral","sentiment_score":0.303133997179213,"channel":0,"num_words":63,"start":1319.595,"end":1337.03},{"sentences":[{"text":"Nope.","start":1336.665,"end":1336.98,"sentiment":"neutral","sentiment_score":0.1263317912817001}],"sentiment":"neutral","sentiment_score":0.1263317912817001,"channel":1,"num_words":1,"start":1336.665,"end":1336.98},{"sentences":[{"text":"I should have an email off to you end of Monday at the latest for that info.","start":1337.03,"end":1341.8501,"sentiment":"neutral","sentiment_score":0.1606746841879452}],"sentiment":"neutral","sentiment_score":0.1606746841879452,"channel":0,"num_words":17,"start":1337.03,"end":1341.8501},{"sentences":[{"text":"Alright.","start":1342.58,"end":1343.08,"sentiment":"neutral","sentiment_score":0.1556181758642197},{"text":"Too easy.","start":1343.2999,"end":1344.04,"sentiment":"neutral","sentiment_score":0.1397222802042961}],"sentiment":"neutral","sentiment_score":0.14502091209093732,"channel":1,"num_words":3,"start":1342.58,"end":1344.04},{"sentences":[{"text":"Beautiful, mate.","start":1346.255,"end":1346.975,"sentiment":"positive","sentiment_score":0.8493064939975739},{"text":"I appreciate you taking the time.","start":1346.975,"end":1348.595,"sentiment":"positive","sentiment_score":0.8673913280169169},{"text":"I won't keep you for the evening, but if you have any questions, give us a buzz.","start":1349.0549,"end":1352.835,"sentiment":"positive","sentiment_score":0.33564283392008615},{"text":"I'll split the email into two Just you've got one for the dental, one for the insurance, just to make it easy to search up with further down the line.","start":1353.455,"end":1361.34,"sentiment":"neutral","sentiment_score":0.22818273020287355}],"sentiment":"positive","sentiment_score":0.3537158370695331,"channel":0,"num_words":55,"start":1346.255,"end":1361.34},{"sentences":[{"text":"Awesome.","start":1361.6449,"end":1362.125,"sentiment":"positive","sentiment_score":0.8164746761322021},{"text":"Thank you, mate.","start":1362.125,"end":1363.105,"sentiment":"positive","sentiment_score":0.8431235154469808}],"sentiment":"positive","sentiment_score":0.8364613056182861,"channel":1,"num_words":4,"start":1361.6449,"end":1363.105},{"sentences":[{"text":"No worries.","start":1365.0,"end":1365.56,"sentiment":"positive","sentiment_score":0.5696018040180206},{"text":"Have a fantastic day, and I'll talk to you again soon.","start":1365.56,"end":1368.3569,"sentiment":"positive","sentiment_score":0.7636642510240729}],"sentiment":"positive","sentiment_score":0.7338084899462186,"channel":0,"num_words":13,"start":1365.0,"end":1368.3569},{"sentences":[{"text":"Cheers.","start":1368.74,"end":1369.0599,"sentiment":"positive","sentiment_score":0.6615134477615356},{"text":"You too.","start":1369.0599,"end":1369.72,"sentiment":"positive","sentiment_score":0.4727321267127991}],"sentiment":"positive","sentiment_score":0.5356592337290446,"channel":1,"num_words":3,"start":1368.74,"end":1369.72},{"sentences":[{"text":"Thanks, man.","start":1371.7169,"end":1372.3569,"sentiment":"positive","sentiment_score":0.6369185447692871},{"text":"Bye.","start":1372.3569,"end":1372.8569,"sentiment":"positive","sentiment_score":0.37551069259643555}],"sentiment":"positive","sentiment_score":0.5497825940450033,"channel":0,"num_words":3,"start":1371.7169,"end":1372.8569},{"sentences":[{"text":"K, mate.","start":1373.0599,"end":1373.46,"sentiment":"neutral","sentiment_score":0.14986107498407364},{"text":"Bye.","start":1373.46,"end":1373.96,"sentiment":"neutral","sentiment_score":-0.1213039606809616}],"sentiment":"neutral","sentiment_score":0.059472729762395225,"channel":1,"num_words":3,"start":1373.0599,"end":1373.96}]},"summary":{"result":"success","short":"Yep. representatives speak with customers to update their insurance policies and discuss potential risks of high risk. They provide guidance on obtaining a home loan, risk protection, and investment strategy. The process is reviewed and recommendations are given on risk profiles and the process of obtaining a will and power of attorney. The speakers emphasize the importance of not overthinking the policy and offer to send further information via email."},"intents":{"segments":[{"text":"Will you be able to access your emails for me?","start_word":25,"end_word":34,"intents":[{"intent":"Access emails","confidence_score":0.8822191}]},{"text":"Will you be able to access your emails for me? Yep.","start_word":25,"end_word":35,"intents":[{"intent":"Obtain information","confidence_score":0.03732864}]},{"text":"Just while we're doing that, I'll just go through a quick security check with you. If I could grab your date of birth and address, sir. 21st Of 3rd 81 And 24 Windprest Avenue, Finland. Sensational.","start_word":40,"end_word":75,"intents":[{"intent":"Get security check","confidence_score":0.11394696}]},{"text":"I think you've already used this new system before, so it shouldn't go through to your spam box. It should go through your main inbox there. And Yep.","start_word":124,"end_word":151,"intents":[{"intent":"Use new system","confidence_score":0.006349955}]},{"text":"And just so I can gauge time with you today, how long have I got you for today? Are you busy?","start_word":176,"end_word":196,"intents":[{"intent":"Monitor time","confidence_score":0.0672403}]},{"text":"But I do have so I've got your updated portfolio ready to go that I'm excited to run through with you. And I had the most fun time trying to investigate that broker you sent through to us, trying to find Yep. and hunt down your insurance policy if that rings a bell. Yep.","start_word":216,"end_word":269,"intents":[{"intent":"Investigate broker","confidence_score":0.7444382},{"intent":"Explore insurance policy","confidence_score":0.008317799}]},{"text":"If you want, I can give you a bit of a so next sort week, I can send you an info email that helps point you at the right direction. But have you seen two people for it yet or no? that out then.","start_word":728,"end_word":771,"intents":[{"intent":"Request information","confidence_score":0.0012808626}]},{"text":"And on the next page, I've just got the insurance side of things. We were trying to review that policy, but we haven't been able to get the info for it yet. So, like, I haven't been able to give you a recommendation on it until I can figure it out. Alright.","start_word":1135,"end_word":1186,"intents":[{"intent":"Recommend policies","confidence_score":0.008905209}]},{"text":"And and first things first, they said no one will consider you before you even get all these insurances, blah blah blah. So we did that, and then that was the end of it. Never heard from him again. So Yeah.","start_word":1375,"end_word":1415,"intents":[{"intent":"Check insurances","confidence_score":0.027799807}]},{"text":"if that policy is good, crap, I I wouldn't be able to tell you until I look at it.","start_word":1579,"end_word":1597,"intents":[{"intent":"Verify policy status","confidence_score":0.001247997}]},{"text":"So if that's possible to do when you do have a moment, I'll include some info on that in an email, but that should get us the info that I need to have a look at it.","start_word":1680,"end_word":1716,"intents":[{"intent":"Receive information","confidence_score":0.006371914},{"intent":"Include info","confidence_score":0.15809152}]},{"text":"So we're not giving you any advice as is what's not in the document on home purchase budgeting, that kind of thing. Yep.","start_word":1765,"end_word":1787,"intents":[{"intent":"Discuss home purchase budgeting","confidence_score":0.018251153}]},{"text":"Have a flick through for me. I just wanna see if there's been any major changes from the last info collection. So seven and eight has an about new section and Yeah. assets and liabilities.","start_word":1821,"end_word":1855,"intents":[{"intent":"Discuss house loan changes","confidence_score":0.000027952083},{"intent":"Discuss recent changes","confidence_score":0.00050259725}]},{"text":"And no other, like, debts, loans, personal loans, nothing like that at the moment. Still just trying to get through that home loan and, of course, the the dental work in between.","start_word":1912,"end_word":1943,"intents":[{"intent":"Discuss home loan options","confidence_score":0.00053564896}]},{"text":"And no other, like, debts, loans, personal loans, nothing like that at the moment. Still just trying to get through that home loan and, of course, the the dental work in between. Yep.","start_word":1912,"end_word":1944,"intents":[{"intent":"Identify personal loans","confidence_score":0.00091613573},{"intent":"Specify personal loan type","confidence_score":0.0000026448129},{"intent":"Compliment debt and personal loans","confidence_score":7.342524e-7}]},{"text":"The third section there says your current risk protection in rate, and it's got a little box there. I was able to find out the cost of the insurances because it came out of the super. And, again, that's $3,670.53 before Yep. the 15% rebate. So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you. Fingers crossed.","start_word":1963,"end_word":2033,"intents":[{"intent":"Update policy comparison","confidence_score":0.0000014578909}]},{"text":"I was able to find out the cost of the insurances because it came out of the super.","start_word":1981,"end_word":1998,"intents":[{"intent":"Discuss insurance cost","confidence_score":0.01926602}]},{"text":"I was able to find out the cost of the insurances because it came out of the super. And, again, that's $3,670.53 before Yep. the 15% rebate. So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you. Fingers crossed.","start_word":1981,"end_word":2033,"intents":[{"intent":"Find home loan policy cost","confidence_score":0.0000058158653}]},{"text":"So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you. Fingers crossed.","start_word":2008,"end_word":2033,"intents":[{"intent":"Request call","confidence_score":0.0008504309}]},{"text":"If you go down past there, so we've got risk profile. Again, I was talking about just bumping up to the high growth with you.","start_word":2036,"end_word":2060,"intents":[{"intent":"Discuss high growth","confidence_score":0.08273731}]},{"text":"But we're also getting like, for example, if we switched everything now, it probably costs around $6.62 out of the super, but we'd Mhmm. be saving $730 a year in investment fee. Okay.","start_word":2192,"end_word":2224,"intents":[{"intent":"Calculate portfolio costs","confidence_score":0.00040511458}]},{"text":"The only other little thing is all of the investments we use with our view, they're ETF. So you've got to kind of pay a bit of brokerage fee to purchase them. And then once Yep. you've got them, they're the cheapest fees ongoing. Yep. Cool.","start_word":2454,"end_word":2499,"intents":[{"intent":"Analyze investments","confidence_score":0.031014748}]},{"text":"The major changes I wanted to just quickly show you, not to go too crazy with it, but page 16 is a big table red heading called investments. There's a lot of figures and percentages and dollar signs all over it if you can see that. Yep.","start_word":2778,"end_word":2824,"intents":[{"intent":"Show","confidence_score":0.0592758}]},{"text":"So all of the round figures are basically just being rebalanced back to where they should be. You know, if there were seven, they go back to eight and so on.","start_word":2874,"end_word":2904,"intents":[{"intent":"Rebalance figures","confidence_score":0.002288915}]},{"text":"I'm not sure. I'll have a flag with Michelle, and I might get her to put that document out here to update it. And the rest of it's pretty much just like why you should have a will and a power of attorney.","start_word":3213,"end_word":3255,"intents":[{"intent":"Clarify document usage","confidence_score":0.00071921956}]},{"text":"And for that that policy, if we can tee up a bit of a time when you do have fifteen minutes to give Neos a call and see if they've got a policy for you, I'll basically tell you exactly what to say to them.","start_word":3445,"end_word":3489,"intents":[{"intent":"Request policy confirmation","confidence_score":0.0002164834}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Ben. It's Tommy here from. How you been?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1540176272392273},{"text":"Good. Thanks, mate.","start_word":11,"end_word":13,"sentiment":"positive","sentiment_score":0.4973832070827484},{"text":"I've got this updated document to flick through to you today. Will you be able to access your emails for me? Yep. Just a sec. Cool. Just while we're doing that, I'll just go through a quick security check with you. If I could grab your date of birth and address, sir. 21st Of 3rd 81 And 24 Windprest Avenue, Finland. Sensational. And as always, calls are recorded, mate. Just let you know. Yep. Cool. Now I've got your AccuCreate Gmail up linked to your profile. Is that one okay? Yeah. That's the right one.","start_word":14,"end_word":108,"sentiment":"neutral","sentiment_score":0.1291767954826355},{"text":"Beautiful.","start_word":109,"end_word":109,"sentiment":"positive","sentiment_score":0.5487879514694214},{"text":"Alright. I'll pop this one through to you. It usually comes through pretty quick. I think you've already used this new system before, so it shouldn't go through to your spam box. It should go through your main inbox there. And Yep. just let me know when you see a few financial statement of advice. No. No. Come for you yet. Alright. Give that another minute. And just so I can gauge time with you today, how long have I got you for today? Are you busy? Or No. Not too busy, actually. cool. Now I probably wouldn't need more than fifteen or so, usually. Yep. But I do have so I've got your updated portfolio ready to go that I'm excited to run through with you. And I had the most fun time trying to investigate that broker you sent through to us, trying to find Yep. and hunt down your insurance policy if that rings a bell. Yep. Now I'll give you I'll I'll touch on that in a second when we've got the document but I've got a couple of ideas. But, mate, he I don't know who it was, but wouldn't answer the phone calls, text messages. We tried contacting him.","start_word":110,"end_word":314,"sentiment":"neutral","sentiment_score":0.008706755004823208},{"text":"We couldn't get it.","start_word":315,"end_word":318,"sentiment":"negative","sentiment_score":-0.36956918239593506},{"text":"Yep.","start_word":319,"end_word":319,"sentiment":"neutral","sentiment_score":-0.23628805577754977},{"text":"Fair enough. I was just trying to hook us up for all these fucking insurance events.","start_word":320,"end_word":335,"sentiment":"negative","sentiment_score":-0.6180419325828552},{"text":"And the So funny those thing too is yep. it's come out of the super. So I saw the premium come out. So I've factored that into the document, like in the projections and everything. Yep. But I reckon it could be pretty comprehensive what he's put in place because it's in about March. Okay. Well, I've got a bit of an idea for that one. Has any email come through yet or or no luck? No. Not yet. So just give me a quick second, and I'll just do a quick refresh. There we go into here. And I'll hit resend. There's a few supporting research documents along with it. There might be slightly bigger of a file. It may take a minute, but Yep. I'll see if that pops through. Yep. Also, I wanted to talk to you. I have to try and access my super for some new teeth. Yes. Yes. The old dental work. Yeah. Yeah. I gotta get a a basically, three. I gotta get four of them pulled out and replaced with a couple screws and all that business.","start_word":336,"end_word":520,"sentiment":"neutral","sentiment_score":0.05476047843694687},{"text":"Oh, no fun.","start_word":521,"end_word":523,"sentiment":"negative","sentiment_score":-0.4287737011909485},{"text":"Do do I have to talk to you guys, or do the the dentist gave me a place to go through to do that, or what do I what am I supposed to do there? Yeah. So I actually did that for my son last year. It's about $5 of work done for my six year old, which was Yep. not too fun. Yeah. No Process doubt. four was basically, they always need, like, two doctors to sign off on it. So it's either if you've gone to a dentist and they've referred you to a specialist, that counts as two. Or if it's, like, the dentist and the GP, like, whatever combination kind of work. But, basically, two people fill out a a form about why you need it, and they usually say something along the lines of you can't wait for the public system because it's a bit of pain and discomfort and all that kind of thing. Yeah. And then that gets sent through to the super fund, and Okay. they basically just get the authorization through you actually do it on myGov, and the government gives you the approval to get to the super fund. Okay. No worries. I'll Yeah. If you want, I can give you a bit of a so next sort week, I can send you an info email that helps point you at the right direction. But have you seen two people for it yet or no? that out then. No. I haven't yet. I've only seen the dentist so far, so I have to sort that out as well. Yep.","start_word":524,"end_word":792,"sentiment":"neutral","sentiment_score":-0.05929238250873789},{"text":"Good fun. Alright. Good I've fun.","start_word":793,"end_word":798,"sentiment":"positive","sentiment_score":0.5242916345596313},{"text":"got the I've got the thing through as well.","start_word":799,"end_word":807,"sentiment":"neutral","sentiment_score":0.3270793557167053},{"text":"Oh, beautiful.","start_word":808,"end_word":809,"sentiment":"positive","sentiment_score":0.5122777223587036},{"text":"So when you hop in there, there's usually, like, a purple sign button that brings open the document to look at. There's four of them. First one, you should see a Gold Coast Beachfront City picture on it. One second. Just says sign document. Yep. That's the one. Yep. Yep. So when you pop in there, you should see the first one. It just lets you have a scroll through with me before you sign anything, Mhmm. and you can also skip around the documents as well. So if you just pop down to page was it three on this one? Okay. Page three. You'll see Yep. a scope of advice heading in blue. Yep. Cool. So main thing that we were doing, this is just updating the portfolio with the super. I did have a chat to you about sort of bumping up the the growth allocation a little bit, get you a Yep. bit more returns going, take a bit more risk on. Yep. The market kind of went a bit crazy around March.","start_word":810,"end_word":985,"sentiment":"neutral","sentiment_score":0.043316759169101715},{"text":"It started plummeting.","start_word":986,"end_word":988,"sentiment":"negative","sentiment_score":-0.34441831707954407},{"text":"So it's kind of good that we just held off for a little bit because probably don't Yep. wanna go high risk while it's crashing, if that makes sense. No. Yeah. Don't don't catch the falling Yeah. knife as we say, or with our Yep. analogy. So good time for it, and I haven't gone too crazy with the risk of selling just a slight bump up. I'll show you that in a second. And the main thing here is because you're self employed, the the contributions weren't going in yet. We've got the premiums coming out, so we're just trying to get it going for you Yep. Yep. in the insurance that's still growing.","start_word":989,"end_word":1103,"sentiment":"neutral","sentiment_score":0.04590823650360107},{"text":"Beautiful.","start_word":1104,"end_word":1104,"sentiment":"positive","sentiment_score":0.6847777962684631},{"text":"It'll say estate planning there, which is just a reminder that, hey. Look. You don't have a will, power of attorney, beneficiaries, which get all that sorted as well. Yep. And on the next page, I've just got the insurance side of things. We were trying to review that policy, but we haven't been able to get the info for it yet. So, like, I haven't been able to give you a recommendation on it until I can figure it out. Alright. But I did do while I'm on the subject, I hunted through the back end through Netwealth, and they sent me through the holding funds that they take premium through for the insurer. And Right. it actually came up with four possible insurers. So I'm just wondering while I've got you. There's a group of three, and there's also an insurer stand alone called AIA with the red logo. Do you, by What? any chance, recall the names Neos, Futura, or Encompass by any chance? No. I couldn't no. I don't. It's actually I don't remember. I No. don't think That's he totally even fine. told us I don't think he told us who it was through or how he was doing it, but because so what happened was was trying to get a home loan, and then I went through this ad online that said they'd do from start to finish. Like, they help you get the loan, they help Yes. you get the house, they give you the keys, and then it's still, like, up to you. Anyway, so I got in touch with them.","start_word":1105,"end_word":1373,"sentiment":"neutral","sentiment_score":0.029710369184613228},{"text":"And and first things first, they said no one will consider you before you even get all these insurances, blah blah blah. So we did that, and then that was the end of it. Never heard from him again.","start_word":1374,"end_word":1412,"sentiment":"negative","sentiment_score":-0.47463902831077576},{"text":"So Yeah. Right. I Did don't you know. end up getting the home one? No. Oh, I ended up getting approved for a Do home loan, it. but I didn't end up taking it because I ended up having to come up with the deposit, which I couldn't come up with at the time because I'm self employed.","start_word":1413,"end_word":1470,"sentiment":"neutral","sentiment_score":-0.13906516134738922},{"text":"And so few things went wrong, and I ended up having to use the money I had to get. But so since then, I haven't had anything or heard anything or anything at all, really. So I was like, the other thing I was gonna find out is if I have been paying them or or if I haven't been paying them or what's been going on with that as well.","start_word":1471,"end_word":1541,"sentiment":"negative","sentiment_score":-0.4083171784877777},{"text":"Yeah. Yep. And that's one thing that I don't wanna kind of leave hanging forever kind of thing because 3,600 is a pretty big weight on the super for it to handle Yep. by itself. And Yep. if that policy is good, crap, I I wouldn't be able to tell you until I look at it. So what I'll do is we'll go through the portfolio now. I'm gonna flick an email afterwards with some info on the dental side of it. And Yep. then worst case scenario, all we've gotta do, I reckon, is call up this group, which they actually control all three of those insurers. And if you basically say, hey. Like, here's my name, date of birth, they'd be able to check all three to see if you have a policy with them. Okay. So if that's possible to do when you do have a moment, I'll include some info on that in an email, but that should get us the info that I need to have a look at it. And I've also got you paired with an adviser, Veronica, who's kind of gonna be a dedicated adviser for you as well. So Mhmm. either one of us is gonna basically dig dive into it as soon as we get the info. Yep. Cool. Next page on there. So we're not giving you any advice as is what's not in the document on home purchase budgeting, that kind of thing. Yep. You basically just keep handling that yourself and going through brokers when it's the right time at the right time. This is just purely focusing on the broker at the moment. Yep. Cool. Have a flick through for me. I just wanna see if there's been any major changes from the last info collection. So seven and eight has an about new section and Yeah. assets and liabilities. Yep. So I've got you I think we rounded you off to be about a $100 as a concreter. I know we've just gone through tax time. Is that majorly different? No. It's still about the same. Cool. Still self employed. Accurate there. We've got the truck, the u the Commodore, and the boat. Yep. Cool. And no other, like, debts, loans, personal loans, nothing like that at the moment. Still just trying to get through that home loan and, of course, the the dental work in between. Yep.","start_word":1542,"end_word":1944,"sentiment":"neutral","sentiment_score":0.003957190340565097},{"text":"Beautiful.","start_word":1945,"end_word":1945,"sentiment":"positive","sentiment_score":0.3569950461387634},{"text":"Can you see on that page with the assets and liabilities with the truck and everything in? The third section there says your current risk protection in rate, and it's got a little box there. I was able to find out the cost of the insurances because it came out of the super. And, again, that's $3,670.53 before Yep. the 15% rebate. So I'll factor that into the projection, but I reckon I reckon one phone call will be able to find that policy for you. Fingers crossed. Yep. Cool. If you go down past there, so we've got risk profile. Again, I was talking about just bumping up to the high growth with you. So I'll go through that in a second. Page 10 has a bit of an exploded little colored pie chart about what high growth kinda looks like in terms of what you invested. But can you see there's a big block of text on page 11 under strategy recommendations? Yep. So what we've done in here is all the reasons for the changes that we're looking to do for the portfolio.","start_word":1946,"end_word":2131,"sentiment":"neutral","sentiment_score":0.08957157163850722},{"text":"So we're gonna keep Netwealth for the time being.","start_word":2132,"end_word":2140,"sentiment":"positive","sentiment_score":0.3927014768123626},{"text":"It's got well over 700 investment options. There are plenty of options to work with.","start_word":2141,"end_word":2155,"sentiment":"neutral","sentiment_score":0.3224416971206665},{"text":"Yep.","start_word":2156,"end_word":2156,"sentiment":"positive","sentiment_score":0.3733172416687012},{"text":"We did factor in a little bit of capital gains tax happens when you move investments within super around. So I've factored Right.","start_word":2157,"end_word":2179,"sentiment":"neutral","sentiment_score":0.2546541392803192},{"text":"that in as well to make sure it's still worth doing.","start_word":2180,"end_word":2190,"sentiment":"positive","sentiment_score":0.37111061811447144},{"text":"Yep. But we're also getting like, for example, if we switched everything now, it probably costs around $6.62 out of the super, but we'd Mhmm. be saving $730 a year in investment fee. Okay. So kind of make it back up in the first year just in fees alone. Yep. Again, I'm not projecting you out twenty two years because I can't tell what's gonna change in your life that far out, but Yeah.","start_word":2191,"end_word":2264,"sentiment":"neutral","sentiment_score":0.20330478250980377},{"text":"I have done a good five to ten year projection for you.","start_word":2265,"end_word":2276,"sentiment":"positive","sentiment_score":0.4047963321208954},{"text":"Okay. And the main thing, of course, is bumping up your growth allocation a little bit. That's gonna make it, you know, higher highs, lower lows. It's Yep. gonna have a higher long term return, but it's gonna have some bigger swings in in between. Yep. So just a reminder a quick reminder I'll do because you go through that annual review to see how it tracks. You can give it twelve months. Here we go. But Yep. when the market goes up, this portfolio tends to jump, like, ten, twenty, 30% in a year. And then once every six or seven years, market's gonna dip, and it's gonna drop down that 20%. So the Yep.","start_word":2277,"end_word":2392,"sentiment":"neutral","sentiment_score":0.09534379839897156},{"text":"idea is if we average it out over a decade and you're consistently getting, like, a 10% average, we're on track.","start_word":2393,"end_word":2413,"sentiment":"positive","sentiment_score":0.35966747999191284},{"text":"Yep.","start_word":2414,"end_word":2414,"sentiment":"neutral","sentiment_score":0.16419623792171478},{"text":"Cool?","start_word":2415,"end_word":2415,"sentiment":"positive","sentiment_score":0.4031128883361816},{"text":"If you go down, there's a table on the next page, advantages and disadvantages. Exactly what I just said, bit of capital gains tax, lower investment fees.","start_word":2416,"end_word":2442,"sentiment":"neutral","sentiment_score":0.1103779673576355},{"text":"We bump up the growth allocation. Performance is looking really good.","start_word":2443,"end_word":2453,"sentiment":"positive","sentiment_score":0.7129557132720947},{"text":"The only other little thing is all of the investments we use with our view, they're ETF. So you've got to kind of pay a bit of brokerage fee to purchase them. And then once Yep. you've got them, they're the cheapest fees ongoing. Yep.","start_word":2454,"end_word":2498,"sentiment":"neutral","sentiment_score":0.13134069740772247},{"text":"Cool.","start_word":2499,"end_word":2499,"sentiment":"positive","sentiment_score":0.3358743190765381},{"text":"Yep. So skip down a couple more pages for me. You'll see a blue table on pages fourteen and fifteen, Yep. and it should say, like, a fee comparison there. Cool. So we've got the top right for the difference of the $6.02. That's your capital gains tax popping out. Below that, you've got the investment fee drops by seven twenty nine. That's it's percentage based, so based on your current balance. But it basically chops off two thirds of your investment fees by switching to the ETFs that we've picked. Yep. If you look at the bottom, five year rolling average, basically, what was happening recently too is a lot of Australian investment and some of your safer options kind of weren't doing too well around the March period. So that was Hello? pulling your return down. Yep. If we switch all these back up, it'll bring you back up into the double digits from six Okay. to 12.22. Yep. Cool. On the next page, this is kind of the trajectory of projections here. Without the contributions going in and with that 3,600 coming out for the premium, if we kind of left everything as it was, you'd actually be going backwards, Right. and we're projecting it would drop to, like, $1.30, $1.20, and just slowly get depleted in fees. Yep.","start_word":2500,"end_word":2721,"sentiment":"neutral","sentiment_score":0.053863026201725006},{"text":"But bumping up to high growth should actually offset that, and you should actually be back to growing it pretty fast.","start_word":2722,"end_word":2742,"sentiment":"positive","sentiment_score":0.3874170184135437},{"text":"So we're predicting somewhere between 50 to $100 better off over five and ten years. Your safe balance won't actually get back into green again Yep. even if you don't put anything in.","start_word":2743,"end_word":2775,"sentiment":"neutral","sentiment_score":0.12937720357017082},{"text":"Okay. Cool.","start_word":2776,"end_word":2777,"sentiment":"positive","sentiment_score":0.579735279083252},{"text":"The major changes I wanted to just quickly show you, not to go too crazy with it, but page 16 is a big table red heading called investments. There's a lot of figures and percentages and dollar signs all over it if you can see that. Yep. Basically, all the options are on the left is kind of what you've got, what we're recommending. What I really wanted to show you was can you see that second last column called target weight percent? And it's got, like, those round figures below it, 7% Yep. zero zero. So all of the round figures are basically just being rebalanced back to where they should be. You know, if there were seven, they go back to eight and so on. The second and third one, Bennelong and Vanguard are the ones that I'm kind of removing. Bennelong with some Australian shares, Vanguard with some safe fixed interest, but both of them were kind of dragging their feet a little bit. But those are Yep. getting removed, and I'm putting in the two at the bottom. BetaShares Australia 200 and the IAF for composite bonds. So those two Yep. alone pretty much make the biggest difference. The rest of it is being brought back to the middle. Now what that kind of does for you as well is if you skip down two more pages, and we're at the last one here. There's a pie chart, colored pie chart, method allocation on page 18. Yep. And can you see in the middle row, it's got a gray bar and it says growth total. And if you go across, it goes ninety, eighty eight, 94. Yep. You basically want around about 90% growth assets if you're sitting in high growth. You're currently sitting at about 89.","start_word":2778,"end_word":3078,"sentiment":"neutral","sentiment_score":0.11948253959417345},{"text":"I'm just bumping you up about 5%.","start_word":3079,"end_word":3085,"sentiment":"positive","sentiment_score":0.4190724492073059},{"text":"So 90 to Okay. a 100, you'd be sitting at 94. We're not going crazy with the risk. It's just a 5% swing from the, like, the bonds and fixed interest up to the shares and property in gold, but the rest Yep. of it is just switching out to bad apples. Fair enough.","start_word":3086,"end_word":3139,"sentiment":"neutral","sentiment_score":-0.005106384555498759},{"text":"Cool.","start_word":3140,"end_word":3140,"sentiment":"positive","sentiment_score":0.39727866649627686},{"text":"Any questions on that so far? Does it make sense? Yeah. No. That's makes sense. Beauty? Every other section after that is estate planning. So just a reminder, if we haven't already sorted out the paperwork to get your partner on this beneficiary for the Netwealth, I actually couldn't see the system is taking its time to load whether we actually put your partner on for the Netwealth super beneficiary yet. Yeah. I'm not sure. I'll have a flag with Michelle, and I might get her to put that document out here to update it. And the rest of it's pretty much just like why you should have a will and a power of attorney. Yep. I'm not gonna remind Yep. you about why you should do that. Services at the bottom, the our fees reiterated there as well. Our service agreement consent with Netwealth has expired, so I've just included that in there if you're still happy for us to look after things. The same agreement there, 1.65% of the fee. And we have brought in a a new tier fee structure for. So I want to just quickly update you on that one as well. Everyone above 300,000, we're starting to apply a percentage discount. So when you get Yep. between 200 and 0.5 a mil, it'll drop the the fee, and then from 0.5 a mil to a mil, it'll drop again. So I Okay. think you're sitting at about the $1.50 mark. Once you Yep. get to 200, it will start to drop. Okay. Cool.","start_word":3141,"end_word":3399,"sentiment":"neutral","sentiment_score":0.004406992346048355},{"text":"Outside of that, mate, I'm I'm happy to send you through an email with the info to get the the dental super access.","start_word":3400,"end_word":3422,"sentiment":"positive","sentiment_score":0.39590907096862793},{"text":"Yep. Obviously, you understand the risk of taking a bit of money out of super can affect your super. Yes.","start_word":3423,"end_word":3442,"sentiment":"neutral","sentiment_score":-0.1731334924697876},{"text":"Beautiful.","start_word":3443,"end_word":3443,"sentiment":"positive","sentiment_score":0.5292104482650757},{"text":"And for that that policy, if we can tee up a bit of a time when you do have fifteen minutes to give Neos a call and see if they've got a policy for you, I'll basically tell you exactly what to say to them. Just jump on in the morning if you've got ten minutes spare before they get this long hold time, and Yep. they'll be able to check if there's one there. If there is one, we can get an info document from them, and I can deep dive it. Okay. What's going on? Yeah. Yeah. And, again, if it's one of the things where it's too expensive and someone else is out there better, I can look at replacing it. If it's too high, too low, we can adjust it as well. Alright. Beauty.","start_word":3444,"end_word":3581,"sentiment":"neutral","sentiment_score":0.05051572993397713},{"text":"Sounds For good.","start_word":3582,"end_word":3584,"sentiment":"positive","sentiment_score":0.3713964819908142},{"text":"this one, you should see some buttons on there to like, if you actually hit sign button, it'll bring you to the spot to put your signature and the date and the name, it'll stamp it for you. But there's also a button that says next document as well. So once you're done with this one, this is your authority to proceed consent. It'll give you the appendix with the research, the consent form with Netwealth, and then just the product disclosure document. That's the usual how big NetWealth at the moment. 66 pages of product info for your. So you don't have to scroll through all the 66 pages. You can skip through it. But but any questions for me, mate, before I let you go? No. That's all for now, really.","start_word":3585,"end_word":3717,"sentiment":"neutral","sentiment_score":0.15233463048934937},{"text":"Cool.","start_word":3718,"end_word":3718,"sentiment":"positive","sentiment_score":0.4688551127910614},{"text":"If you do have a second, if you could just see if those buttons work for you to provide your consent, I'll get Connor and his team to jump on and switch your investments.","start_word":3719,"end_word":3752,"sentiment":"neutral","sentiment_score":0.27763545513153076},{"text":"I think they do a lot of the investment switching on a Friday, so I should be able to put it in for tomorrow's trade orders.","start_word":3753,"end_word":3778,"sentiment":"positive","sentiment_score":0.33950233459472656},{"text":"And then Nope. I should have an email off to you end of Monday at the latest for that info. Alright. Too easy.","start_word":3779,"end_word":3801,"sentiment":"neutral","sentiment_score":0.1530744582414627},{"text":"Beautiful, mate. I appreciate you taking the time. I won't keep you for the evening, but if you have any questions, give us a buzz.","start_word":3802,"end_word":3826,"sentiment":"positive","sentiment_score":0.5091938376426697},{"text":"I'll split the email into two Just you've got one for the dental, one for the insurance, just to make it easy to search up with further down the line.","start_word":3827,"end_word":3856,"sentiment":"neutral","sentiment_score":0.21966658532619476},{"text":"Awesome. Thank you, mate. No worries. Have a fantastic day, and I'll talk to you again soon. Cheers. You too. Thanks, man. Bye.","start_word":3857,"end_word":3879,"sentiment":"positive","sentiment_score":0.6889657974243164},{"text":"K, mate. Bye.","start_word":3880,"end_word":3882,"sentiment":"neutral","sentiment_score":0.16447019577026367}],"average":{"sentiment":"neutral","sentiment_score":0.05991613528943233}}}}