{"metadata":{"transaction_key":"deprecated","request_id":"03760ae9-1516-4c71-9b0a-e6c02a6c56d3","sha256":"453cc2a02776fea8df67f74ba2064de8d4007efc1a800b8d68d8994f02171a82","created":"2026-03-30T06:52:23.726Z","duration":1148.4719,"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":5149,"output_tokens":111},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5806,"output_tokens":5818},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5806,"output_tokens":468}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Luke. It's Carl calling from OQ Financial. How are you today? Yeah. Not too bad at all. Thanks for asking. I just scheduled in for your statement advice this afternoon if you still got time. Not a problem. Okay. Not a problem at all. If you're, like, obviously, quite a busy man. It's hard to get ahold of you a couple times. I can try and make it quite quick and then just, obviously, have a chance to go through it this afternoon and come back with any questions you might have as well. Not a problem at all. So what I'll do is I'll just pass through security there with that name, date of birth, and current address. We'll get stuck into that one today. Perfect. Thank you for that one. And just before we jump into the actual statement of advice there, I do have here that the payment for your out of pocket cover did decline again. Would there be a reason for that one this time? Yeah. It's, like, 12 12 dollars 44 just for the out of pocket portion. What I'll do, I'll let the team know that they can call up and rerequest that payment if you've got money in the account. And if it just keeps happening, yeah, we might just look at updating it there. But I'll get them to get that sorted or at least get them to email you the date on when it's meant to come out just so you can keep an eye on it. As far as everything else, though, in regards to any updates, has anything changed in obviously, in regards to the time since we last spoke here, your debt level for the mortgage maybe came down a little bit as far as, like, your your job and everything like that is largely unchanged in regards to your situation? So I had it around the $2.50 mark, but obviously no. That's fabulous. Okay. I'll just put I'll put more. So, obviously, the statement advice will have the $2.50 figure, but, like, obviously, it's not gonna affect the advice fees because it's mainly around those superannuation investments. So that's more than fine. As long as nothing else has changed or anything like that, that's perfectly okay. Oh, yeah. Next time I touch base, I'll just make a note to touch on the the mortgage value, but that's fine. So this would just be going out to your email there just in regards to the documents there today, and that'll be icworldranges@hotmail.com. Oh, okay. I always, yeah, capitalize it for some reason for an I when it's capitals and emails, but not a problem at all. That yeah. Perfect. So within regards to that one, you will just have the the statement of advice. It will come through your Otusign as opposed to, like, the DocuSign you've used previously. You'll also have a copy of the most up to date OQ Financial services guide and services guide. In regards to to that one and just the PDFs for your product that we're recommending that you do retain. So within regards to documents created for yourself, prepared by myself and the team as an authorized representative under OQ Financial, it was finalized on the February 9. Obviously, we just missed you a couple times with a few booking attempts. So it was valid for the thirty days, and then it's valid for another thirty. After that, we're confirming your details. So since you've confirmed your details, that's more than fine. You've got, you know, until the April 9 there to be able to finalize it if you are happy with it and assign. As I said, it's quite a straightforward advice piece in terms of what what we were looking at. It was this superannuation really in regards to looking at adjusting the investment portfolio, giving you time on board and just doing a bit of a refresh. As far as the insurances are concerned, you're pretty happy with the level of cover you had and maintaining that. So it's limitedly scoped in just for the impact on long term, like, growth. As far as estate planning, budgeting, and debt, you are happy managing that all yourself. And then with that, you feel like you have, like, adequate estate planning provisions with your will even though you're sort of unsure about the power of attorney, but your partner's apparently pretty onto it. So you're pretty confident in that one. Beneficiaries are up to date. That's fine. And then, obviously, you're happy paying down your mortgage debt. Obviously, that's changed a little bit, but still happy managing that yourself. As far as limited advice forwarding, it's basically pertaining to the fact that we're only really providing advice on the superannuation side of things with this update. Within regards to the goals and everything on that, make sure they are that they are sort of the long term things and sort of what you're working towards that we sort of use as bit of the North Star and where you're sort of headed. But as far as the advice, quite straightforward with looking at retaining a Hub twenty four superannuation fund and just changing those underlying investments. In regards to page seven and eight there, you'll be able to see just your details in regards to that. Obviously, the main residence debt is probably a little bit different, so that's fine. We can provide you an updated copy once you sort of do provide those details, but other than that, it's not a huge deal. The next page over, you'll be able to see your insurance and that we covered for currently and the cost you do pay for those. Now the the risk profile, you did score growth, which is around that eighty twenty split of growth assets to defensive assets, and we're still recommending you keep in line with that just given your time to retirement level of risk you do wanna take on and how things are traveling. You're quite happy with it. Now in regards to the change there, you'll be able to see the table on page 12 once you get a chance to look at that one. In regards to that, there is a change in balance because within regards to the changes of investment, there are some capital gains with the level of growth you have had since being onboard. Now within regards to the change, though, the investment fee there is, like, significantly lower than what it is currently with the change in reducing your level of exposure to the current investments that you do hold and with that removing that bend along that actively perform actively managed underperforming asset. So with the updated recommendation, you won't have active management moving forward. It will be more of an index passive approach, still using, like, a core and satellite. We're between the ETFs that you hold of, like, your main core versus, like, the strategic satellites to try and be in a little bit of sort of growth areas there that carry a bit more risk. But with that, you won't have those actively managed funds that are trying to pick and choose those winners, which obviously you've seen with that long, it didn't go too well, and you had quite a an active or quite a portion allocated to that. So you won't have that moving forward, which means your diversification will be a little bit better across the board as well in terms of that level of risk you do have. Now in regards to the adviser fee, given that you sort of pay a bit of capital gains and offset with some of the losses from Benelong, it will reduce the fee a little bit, gains and offset with some of the losses from Benelon, it will reduce the fee a little bit just because your balance is gonna dip for that slight bit, but, obviously, it's a percentage base. It depends on what it does moving forward. Now in regards to the recommended investment, the past performance is quite high considering compared to your current fund. Now, obviously, past performance is an indicative of future performance. So within regards to all projections is to be taken with a grain of salt. It's basically just illustrated for the last five years replicated year on year for the next five, but, obviously, that's never gonna happen. I don't know what Trump's gonna do tomorrow, let alone what he's gonna tweet tonight. Yep. So, unfortunately, the war in Iran is not only causing havoc with everyone super in the market, it's also causing havoc with just the holidays for Easter, unfortunately, with the fuel prices at the moment. But in in saying that, there's not too much we can do. America sneezes. We all catch a cold, so it's a bit unfortunate in that sense. But as as far as the recommendations, I'd say quite straightforward in the sense that we're looking at just changing those investments. The key in that one is you will remove that active component. So you won't have the ability to try and outperform the markets, but given how the markets have been performing at least over the past five years, they have been performing quite well, and it comes at a very low cost compared to what you're currently paying in regards to those investments, which means that all goes back into reinvesting. And given you we're pretty happy to not take on sort of more risk given what your balance is. You just kinda want that steady growth and index sort of driven approach there over a long term period has been shown to sort of even outperform those managed funds as well with those sort of bad performing years like we've been long. Obvious yeah. Yeah. And obviously, like, if you like, having even just 80% growth assets, you wanna sort of still hold long term. In regards to that, at the moment, there's a bit of a dip. So you're selling low, buying low. That's fine. Obviously, in regards to Benelung and what happened with that, it was quite significant, and it was something outside of just the markets as well. Now with that, if they had more consumer confidence in that moving forward, you'd probably look to retain it and try and get the the growth back out of it, wait for the rebound. But just with the way they're going and the way they performed over the past three years prior to that as well, the investment committee just wants to move away from that managed fund altogether. Even if, like, you were to have active management, they wouldn't sort of recommend or I wouldn't recommend sort of staying with Benelong. It's kind of a bit of a cut your losses and move on to something better. Yeah. A little bit. Obviously, yeah, the the market's down and with the changes as well, there is the slight risk that, you know, with our topsy-turvy, the markets are for the portion of your portfolio that is selling to cash and changing that if the markets were to sort of rebound at some point during that, you're obviously buying a little bit higher. But also if they take a bit of a dip wire in cash, you get a bit of a a discount, which is good as well. But that is the risk with how volatile it is with those swings that you might sort of forego a little bit of growth or might actually get a bit of a lower cost price at the end of the day. Yep. But with the, you know, the more passive investment style, not to say that you can't sort of change it up in the future as well. It's just sort of during these sort of times, it's really hard to sort of pick and choose those winners. It's great if you're sort of able to and you sort of out on the market considerably. But at the moment, there seems to be a lot more losers than than winners with the picking just with everything going up. So at least if you're tracking the markets, you're tracking, you know, the top 200, top 500 companies in the market and what they're doing, which means that you're just performing as well as they can. Whereas if you wanna pick and choose those winners, much like what Benelon tried to do, sometimes you come out on the bottom there as well, and you're paying a high cost for that as well. Yeah. And, statistically, it has been sort of shown that passively over a longer term period does sort of work out, yeah, in the long run if you're not sort of paying too much more attention to it or sort of regularly reviewing those actively managed funds because they can do a 60 plus year or they can do a negative 30 plus year. So it's like it's a bit of a double edged sword with that. Obviously, the advantage is it's lower cost. It's in line with your risk profile. You You still have the same allocation of growth assets. You just don't have that manager risk, and you'll remain a client at Oakview Financial and still receive all the the services you're currently receiving there. The big disadvantage is it's around 3,800 in regards to the CGT liability in regards to that. But in saying that a lot of that was offset, it would have been higher from that been a long loss. So it does mean that when you're paying CGT, it does mean you're making money, unfortunately. So but it's better than the opposite of not paying any and not making any sort of gain. Yeah. Exactly. Exactly. And then, obviously, with the change moving forward, it's sort of that more passive, longer term approach, getting a bit more of exposure in Europe compared to what you're currently in, still having an allocation there to the cybersecurity side of things, just a rebalance there. And then within regards to the the main key portions, you will have a key portion in the Australian two hundred, which is your sort of Australian equity as opposed from the Benelung that you currently hold, and then you'll still hold a key holding in the S and P five hundred. And then the investments around that will just be, as I said, the satellite sort of approaches apart from, like, your defensive assets that sort of go to those sort of smaller areas where it seem to have some future growth, but obviously not as much confidence as, like, The US and Australian market allocation. Perfect. Obviously, yeah, we did consider maintaining the active management, which is due to the high cost in the past performance of a few of the funds at the moment, especially the areas where it was going to. We just sort of thought the passive approach would be better off, especially with your like a have, like, a version two risk there. But in saying that it can be changed in future, you'll still have that call moving forward. And then if you wanna sort of change up a few of the satellites, that is an opportunity at a later date as well if the market sort of turnaround a bit. On page 17, you'll be able to see the allocation to that one. So you will have slightly less allocation to growth assets compared to what you've currently got and slightly more to the defensive side of things. But in in saying that as well, the alternative asset you do hold is gold, which can be considered mainly a bit more growth at the moment, which has bumped you up as opposed to sitting in the defensive side of things. So you could probably look to have that a little bit higher, but in saying that at the the moment there, we're just an alternative asset, but a bit more of a growth with the way gold has been performing even though it has taken a little bit of a dip. Yeah. Considering you've held it for the the few years that it's been taking that, you know, nice big jump, it's sort of just a bit of a market correction. Now in regards to that, is there any questions in regards to that at all? Yeah. So it is still rising, obviously, trying to get it moving a bit higher in the right direction following that COVID period where it did take a little bit of a a dive. And, obviously, this year was obviously not too fantastic with the tariff talk. It was a bit of a dip, and that recovered. And then, obviously, the war in Iran has taken another bit of a dip. So just seems a bit like one after the other at the moment, but in saying that it's still still moving moving up, which is the main thing. As far as the adviser fee, it will still be the 1.1% given your partners on board and then 22% of your ClearView premium, which you can see on page 22 there. And then within regards to the financial impact from your insurances, you can just say on page 19 what that looks like if you had no insurance versus the current situation versus the recommended. Now, obviously, you know, we don't really normally like to sort of project as far out as the the ten years, especially with your time to retirement and things like that. Obviously, you've got a nice healthy balance. Hopefully, it continues to grow. But, to say, you know, you're gonna end up with, like, you know, over $1,000,000 in your super by the time you retire and things like that, you never know with the market. So it's just a bit of an illustration at that point just to to show you. But do you have any questions in regards to that? Obviously, it's quite a brief overview there, but I'm mindful of your time. Yeah. So hopefully with the update, you just get nice steady growth moving forward, and you'll eliminate that majority holding to that Ben Long, which obviously hasn't been performing too great. And it was quite a massive well, 20% of your your holding over close to 25 before it took the dip in regards to that. So quite a heavy weighting and and actively managed portfolio. And if it turns out well, it turns out great, but you do get the opposite up to this end of the coin as well, whether you do get those years. But if you're following the indexes and you have a a bad year, it means the majority of people are having somewhat of a bad year because those are all those top performing companies in those areas and through those exchange traded funds. No. Not a problem at all. Great. That'd be great. Yeah. Just shoot us an email, let the team know to try that payment again or at least email you when that will be coming through. Yeah. Yeah. I I believe the last time we spoke to you, the card details were expired or something like that. And then we got that sorted, and I haven't heard about it much. And then, yeah, I was informed that it sort of was outstanding again before going on this call. So No problem at all, Luke. Do you have any other questions for me before I let you go through this afternoon? Too easy. Should have that Odoo in your inbox here. I'll have the attachments in the link there if you were happy to sign everything at the end of the day for that update. But otherwise, I'll let you get back to it, and just let us know if you have any questions. Too easy, mate. Thanks. 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afternoon, Luke. It's Carl calling from OQ Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in for your statement advice this afternoon if you still got time. Not a problem. Okay. Not a problem at all.\n\nIf you're, like, obviously, quite a busy man. It's hard to get ahold of you a couple times. I can try and make it quite quick and then just, obviously, have a chance to go through it this afternoon and come back with any questions you might have as well. Not a problem at all. So what I'll do is I'll just pass through security there with that name, date of birth, and current address.\n\nWe'll get stuck into that one today. Perfect. Thank you for that one. And just before we jump into the actual statement of advice there, I do have here that the payment for your out of pocket cover did decline again. Would there be a reason for that one this time?\n\nYeah. It's, like, 12 12 dollars 44 just for the out of pocket portion. What I'll do, I'll let the team know that they can call up and rerequest that payment if you've got money in the account. And if it just keeps happening, yeah, we might just look at updating it there. But I'll get them to get that sorted or at least get them to email you the date on when it's meant to come out just so you can keep an eye on it.\n\nAs far as everything else, though, in regards to any updates, has anything changed in obviously, in regards to the time since we last spoke here, your debt level for the mortgage maybe came down a little bit as far as, like, your your job and everything like that is largely unchanged in regards to your situation? So I had it around the $2.50 mark, but obviously no. That's fabulous. Okay. I'll just put I'll put more.\n\nSo, obviously, the statement advice will have the $2.50 figure, but, like, obviously, it's not gonna affect the advice fees because it's mainly around those superannuation investments. So that's more than fine. As long as nothing else has changed or anything like that, that's perfectly okay. Oh, yeah. Next time I touch base, I'll just make a note to touch on the the mortgage value, but that's fine.\n\nSo this would just be going out to your email there just in regards to the documents there today, and that'll be icworldranges@hotmail.com. Oh, okay. I always, yeah, capitalize it for some reason for an I when it's capitals and emails, but not a problem at all. That yeah. Perfect.\n\nSo within regards to that one, you will just have the the statement of advice. It will come through your Otusign as opposed to, like, the DocuSign you've used previously. You'll also have a copy of the most up to date OQ Financial services guide and services guide. In regards to to that one and just the PDFs for your product that we're recommending that you do retain. So within regards to documents created for yourself, prepared by myself and the team as an authorized representative under OQ Financial, it was finalized on the February 9.\n\nObviously, we just missed you a couple times with a few booking attempts. So it was valid for the thirty days, and then it's valid for another thirty. After that, we're confirming your details. So since you've confirmed your details, that's more than fine. You've got, you know, until the April 9 there to be able to finalize it if you are happy with it and assign.\n\nAs I said, it's quite a straightforward advice piece in terms of what what we were looking at. It was this superannuation really in regards to looking at adjusting the investment portfolio, giving you time on board and just doing a bit of a refresh. As far as the insurances are concerned, you're pretty happy with the level of cover you had and maintaining that. So it's limitedly scoped in just for the impact on long term, like, growth. As far as estate planning, budgeting, and debt, you are happy managing that all yourself.\n\nAnd then with that, you feel like you have, like, adequate estate planning provisions with your will even though you're sort of unsure about the power of attorney, but your partner's apparently pretty onto it. So you're pretty confident in that one. Beneficiaries are up to date. That's fine. And then, obviously, you're happy paying down your mortgage debt.\n\nObviously, that's changed a little bit, but still happy managing that yourself. As far as limited advice forwarding, it's basically pertaining to the fact that we're only really providing advice on the superannuation side of things with this update. Within regards to the goals and everything on that, make sure they are that they are sort of the long term things and sort of what you're working towards that we sort of use as bit of the North Star and where you're sort of headed. But as far as the advice, quite straightforward with looking at retaining a Hub twenty four superannuation fund and just changing those underlying investments. In regards to page seven and eight there, you'll be able to see just your details in regards to that.\n\nObviously, the main residence debt is probably a little bit different, so that's fine. We can provide you an updated copy once you sort of do provide those details, but other than that, it's not a huge deal. The next page over, you'll be able to see your insurance and that we covered for currently and the cost you do pay for those. Now the the risk profile, you did score growth, which is around that eighty twenty split of growth assets to defensive assets, and we're still recommending you keep in line with that just given your time to retirement level of risk you do wanna take on and how things are traveling. You're quite happy with it.\n\nNow in regards to the change there, you'll be able to see the table on page 12 once you get a chance to look at that one. In regards to that, there is a change in balance because within regards to the changes of investment, there are some capital gains with the level of growth you have had since being onboard. Now within regards to the change, though, the investment fee there is, like, significantly lower than what it is currently with the change in reducing your level of exposure to the current investments that you do hold and with that removing that bend along that actively perform actively managed underperforming asset. So with the updated recommendation, you won't have active management moving forward. It will be more of an index passive approach, still using, like, a core and satellite.\n\nWe're between the ETFs that you hold of, like, your main core versus, like, the strategic satellites to try and be in a little bit of sort of growth areas there that carry a bit more risk. But with that, you won't have those actively managed funds that are trying to pick and choose those winners, which obviously you've seen with that long, it didn't go too well, and you had quite a an active or quite a portion allocated to that. So you won't have that moving forward, which means your diversification will be a little bit better across the board as well in terms of that level of risk you do have. Now in regards to the adviser fee, given that you sort of pay a bit of capital gains and offset with some of the losses from Benelong, it will reduce the fee a little bit, gains and offset with some of the losses from Benelon, it will reduce the fee a little bit just because your balance is gonna dip for that slight bit, but, obviously, it's a percentage base. It depends on what it does moving forward.\n\nNow in regards to the recommended investment, the past performance is quite high considering compared to your current fund. Now, obviously, past performance is an indicative of future performance. So within regards to all projections is to be taken with a grain of salt. It's basically just illustrated for the last five years replicated year on year for the next five, but, obviously, that's never gonna happen. I don't know what Trump's gonna do tomorrow, let alone what he's gonna tweet tonight.\n\nYep. So, unfortunately, the war in Iran is not only causing havoc with everyone super in the market, it's also causing havoc with just the holidays for Easter, unfortunately, with the fuel prices at the moment. But in in saying that, there's not too much we can do. America sneezes. We all catch a cold, so it's a bit unfortunate in that sense.\n\nBut as as far as the recommendations, I'd say quite straightforward in the sense that we're looking at just changing those investments. The key in that one is you will remove that active component. So you won't have the ability to try and outperform the markets, but given how the markets have been performing at least over the past five years, they have been performing quite well, and it comes at a very low cost compared to what you're currently paying in regards to those investments, which means that all goes back into reinvesting. And given you we're pretty happy to not take on sort of more risk given what your balance is. You just kinda want that steady growth and index sort of driven approach there over a long term period has been shown to sort of even outperform those managed funds as well with those sort of bad performing years like we've been long.\n\nObvious yeah. Yeah. And obviously, like, if you like, having even just 80% growth assets, you wanna sort of still hold long term. In regards to that, at the moment, there's a bit of a dip. So you're selling low, buying low.\n\nThat's fine. Obviously, in regards to Benelung and what happened with that, it was quite significant, and it was something outside of just the markets as well. Now with that, if they had more consumer confidence in that moving forward, you'd probably look to retain it and try and get the the growth back out of it, wait for the rebound. But just with the way they're going and the way they performed over the past three years prior to that as well, the investment committee just wants to move away from that managed fund altogether. Even if, like, you were to have active management, they wouldn't sort of recommend or I wouldn't recommend sort of staying with Benelong.\n\nIt's kind of a bit of a cut your losses and move on to something better. Yeah. A little bit. Obviously, yeah, the the market's down and with the changes as well, there is the slight risk that, you know, with our topsy-turvy, the markets are for the portion of your portfolio that is selling to cash and changing that if the markets were to sort of rebound at some point during that, you're obviously buying a little bit higher. But also if they take a bit of a dip wire in cash, you get a bit of a a discount, which is good as well.\n\nBut that is the risk with how volatile it is with those swings that you might sort of forego a little bit of growth or might actually get a bit of a lower cost price at the end of the day. Yep. But with the, you know, the more passive investment style, not to say that you can't sort of change it up in the future as well. It's just sort of during these sort of times, it's really hard to sort of pick and choose those winners. It's great if you're sort of able to and you sort of out on the market considerably.\n\nBut at the moment, there seems to be a lot more losers than than winners with the picking just with everything going up. So at least if you're tracking the markets, you're tracking, you know, the top 200, top 500 companies in the market and what they're doing, which means that you're just performing as well as they can. Whereas if you wanna pick and choose those winners, much like what Benelon tried to do, sometimes you come out on the bottom there as well, and you're paying a high cost for that as well. Yeah. And, statistically, it has been sort of shown that passively over a longer term period does sort of work out, yeah, in the long run if you're not sort of paying too much more attention to it or sort of regularly reviewing those actively managed funds because they can do a 60 plus year or they can do a negative 30 plus year.\n\nSo it's like it's a bit of a double edged sword with that. Obviously, the advantage is it's lower cost. It's in line with your risk profile. You You still have the same allocation of growth assets. You just don't have that manager risk, and you'll remain a client at Oakview Financial and still receive all the the services you're currently receiving there.\n\nThe big disadvantage is it's around 3,800 in regards to the CGT liability in regards to that. But in saying that a lot of that was offset, it would have been higher from that been a long loss. So it does mean that when you're paying CGT, it does mean you're making money, unfortunately. So but it's better than the opposite of not paying any and not making any sort of gain. Yeah.\n\nExactly. Exactly. And then, obviously, with the change moving forward, it's sort of that more passive, longer term approach, getting a bit more of exposure in Europe compared to what you're currently in, still having an allocation there to the cybersecurity side of things, just a rebalance there. And then within regards to the the main key portions, you will have a key portion in the Australian two hundred, which is your sort of Australian equity as opposed from the Benelung that you currently hold, and then you'll still hold a key holding in the S and P five hundred. And then the investments around that will just be, as I said, the satellite sort of approaches apart from, like, your defensive assets that sort of go to those sort of smaller areas where it seem to have some future growth, but obviously not as much confidence as, like, The US and Australian market allocation.\n\nPerfect. Obviously, yeah, we did consider maintaining the active management, which is due to the high cost in the past performance of a few of the funds at the moment, especially the areas where it was going to. We just sort of thought the passive approach would be better off, especially with your like a have, like, a version two risk there. But in saying that it can be changed in future, you'll still have that call moving forward. And then if you wanna sort of change up a few of the satellites, that is an opportunity at a later date as well if the market sort of turnaround a bit.\n\nOn page 17, you'll be able to see the allocation to that one. So you will have slightly less allocation to growth assets compared to what you've currently got and slightly more to the defensive side of things. But in in saying that as well, the alternative asset you do hold is gold, which can be considered mainly a bit more growth at the moment, which has bumped you up as opposed to sitting in the defensive side of things. So you could probably look to have that a little bit higher, but in saying that at the the moment there, we're just an alternative asset, but a bit more of a growth with the way gold has been performing even though it has taken a little bit of a dip. Yeah.\n\nConsidering you've held it for the the few years that it's been taking that, you know, nice big jump, it's sort of just a bit of a market correction. Now in regards to that, is there any questions in regards to that at all? Yeah. So it is still rising, obviously, trying to get it moving a bit higher in the right direction following that COVID period where it did take a little bit of a a dive. And, obviously, this year was obviously not too fantastic with the tariff talk.\n\nIt was a bit of a dip, and that recovered. And then, obviously, the war in Iran has taken another bit of a dip. So just seems a bit like one after the other at the moment, but in saying that it's still still moving moving up, which is the main thing. As far as the adviser fee, it will still be the 1.1% given your partners on board and then 22% of your ClearView premium, which you can see on page 22 there. And then within regards to the financial impact from your insurances, you can just say on page 19 what that looks like if you had no insurance versus the current situation versus the recommended.\n\nNow, obviously, you know, we don't really normally like to sort of project as far out as the the ten years, especially with your time to retirement and things like that. Obviously, you've got a nice healthy balance. Hopefully, it continues to grow. But, to say, you know, you're gonna end up with, like, you know, over $1,000,000 in your super by the time you retire and things like that, you never know with the market. So it's just a bit of an illustration at that point just to to show you.\n\nBut do you have any questions in regards to that? Obviously, it's quite a brief overview there, but I'm mindful of your time. Yeah. So hopefully with the update, you just get nice steady growth moving forward, and you'll eliminate that majority holding to that Ben Long, which obviously hasn't been performing too great. And it was quite a massive well, 20% of your your holding over close to 25 before it took the dip in regards to that.\n\nSo quite a heavy weighting and and actively managed portfolio. And if it turns out well, it turns out great, but you do get the opposite up to this end of the coin as well, whether you do get those years. But if you're following the indexes and you have a a bad year, it means the majority of people are having somewhat of a bad year because those are all those top performing companies in those areas and through those exchange traded funds. No. Not a problem at all.\n\nGreat. That'd be great. Yeah. Just shoot us an email, let the team know to try that payment again or at least email you when that will be coming through. Yeah.\n\nYeah. I I believe the last time we spoke to you, the card details were expired or something like that. And then we got that sorted, and I haven't heard about it much. And then, yeah, I was informed that it sort of was outstanding again before going on this call. So No problem at all, Luke.\n\nDo you have any other questions for me before I let you go through this afternoon? Too easy. Should have that Odoo in your inbox here. I'll have the attachments in the link there if you were happy to sign everything at the end of the day for that update. But otherwise, I'll let you get back to it, and just let us know if you have any questions.\n\nToo easy, mate. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Luke.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.30028972029685974},{"text":"It's Carl calling from OQ Financial.","start":3.84,"end":5.2,"sentiment":"neutral","sentiment_score":0.2539549842476845},{"text":"How are you today?","start":5.2,"end":6.1,"sentiment":"neutral","sentiment_score":0.24609296768903732},{"text":"Yeah.","start":7.7599998,"end":8.24,"sentiment":"neutral","sentiment_score":0.2627596855163574},{"text":"Not too bad at all.","start":8.24,"end":9.12,"sentiment":"positive","sentiment_score":0.3792320370674133}],"sentiment":"neutral","sentiment_score":0.29304688463085576,"num_words":19,"start":3.04,"end":9.12},{"sentences":[{"text":"Thanks for asking.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.6571504871050516},{"text":"I just scheduled in for your statement advice this afternoon if you still got time.","start":9.679999,"end":12.885,"sentiment":"neutral","sentiment_score":0.28620664874712626},{"text":"Not a problem.","start":15.045,"end":15.865,"sentiment":"neutral","sentiment_score":0.04807456582784653},{"text":"Okay.","start":17.125,"end":17.525,"sentiment":"neutral","sentiment_score":0.1421929895877838},{"text":"Not a problem at all.","start":17.525,"end":18.665,"sentiment":"neutral","sentiment_score":0.07650760859251023}],"sentiment":"neutral","sentiment_score":0.2567965156502194,"num_words":27,"start":9.12,"end":18.665},{"sentences":[{"text":"If you're, like, obviously, quite a busy man.","start":19.125,"end":20.965,"sentiment":"neutral","sentiment_score":-0.06311669200658798},{"text":"It's hard to get ahold of you a couple times.","start":20.965,"end":22.485,"sentiment":"neutral","sentiment_score":-0.05129571575671434},{"text":"I can try and make it quite quick and then just, obviously, have a chance to go through it this afternoon and come back with any questions you might have as well.","start":22.485,"end":27.99,"sentiment":"neutral","sentiment_score":0.12714234343729913},{"text":"Not a problem at all.","start":30.39,"end":31.85,"sentiment":"neutral","sentiment_score":0.20427893698215485},{"text":"So what I'll do is I'll just pass through security there with that name, date of birth, and current address.","start":32.07,"end":35.43,"sentiment":"neutral","sentiment_score":0.1386064626276493}],"sentiment":"neutral","sentiment_score":0.09125584311783314,"num_words":75,"start":19.125,"end":35.43},{"sentences":[{"text":"We'll get stuck into that one today.","start":35.43,"end":37.05,"sentiment":"neutral","sentiment_score":0.13974769626344954},{"text":"Perfect.","start":43.765,"end":44.245003,"sentiment":"positive","sentiment_score":0.4127785563468933},{"text":"Thank you for that one.","start":44.245003,"end":45.465,"sentiment":"positive","sentiment_score":0.47991599440574645},{"text":"And just before we jump into the actual statement of advice there, I do have here that the payment for your out of pocket cover did decline again.","start":45.685,"end":55.03,"sentiment":"neutral","sentiment_score":-0.1514406709798745},{"text":"Would there be a reason for that one this time?","start":55.03,"end":57.61,"sentiment":"neutral","sentiment_score":-0.2012877121567726}],"sentiment":"neutral","sentiment_score":-0.048286735427145865,"num_words":51,"start":35.43,"end":57.61},{"sentences":[{"text":"Yeah.","start":62.07,"end":62.39,"sentiment":"neutral","sentiment_score":-0.05709145963191986},{"text":"It's, like, 12 12 dollars 44 just for the out of pocket portion.","start":62.39,"end":66.89,"sentiment":"neutral","sentiment_score":-0.15776929545861024},{"text":"What I'll do, I'll let the team know that they can call up and rerequest that payment if you've got money in the account.","start":95.735,"end":102.695,"sentiment":"neutral","sentiment_score":0.08057422485823433},{"text":"And if it just keeps happening, yeah, we might just look at updating it there.","start":102.695,"end":106.155,"sentiment":"neutral","sentiment_score":0.022043994441628457},{"text":"But I'll get them to get that sorted or at least get them to email you the date on when it's meant to come out just so you can keep an eye on it.","start":107.86,"end":114.28001,"sentiment":"neutral","sentiment_score":0.13291731958880143}],"sentiment":"neutral","sentiment_score":0.05374181469709709,"num_words":87,"start":62.07,"end":114.28001},{"sentences":[{"text":"As far as everything else, though, in regards to any updates, has anything changed in obviously, in regards to the time since we last spoke here, your debt level for the mortgage maybe came down a little bit as far as, like, your your job and everything like that is largely unchanged in regards to your situation?","start":116.340004,"end":130.965,"sentiment":"neutral","sentiment_score":-0.039944285428837725},{"text":"So I had it around the $2.50 mark, but obviously no.","start":156.175,"end":171.98,"sentiment":"neutral","sentiment_score":-0.026611094701696526},{"text":"That's fabulous.","start":171.98,"end":172.79999,"sentiment":"positive","sentiment_score":0.3385171741247177},{"text":"Okay.","start":173.40501,"end":173.90501,"sentiment":"neutral","sentiment_score":0.04960262402892113},{"text":"I'll just put I'll put more.","start":174.68501,"end":175.96501,"sentiment":"neutral","sentiment_score":0.0539394939939181}],"sentiment":"neutral","sentiment_score":-0.019730810063903207,"num_words":77,"start":116.340004,"end":175.96501},{"sentences":[{"text":"So, obviously, the statement advice will have the $2.50 figure, but, like, obviously, it's not gonna affect the advice fees because it's mainly around those superannuation investments.","start":175.96501,"end":183.265,"sentiment":"neutral","sentiment_score":0.049729116192018544},{"text":"So that's more than fine.","start":183.32501,"end":185.94,"sentiment":"positive","sentiment_score":0.39037539064884186},{"text":"As long as nothing else has changed or anything like that, that's perfectly okay.","start":186.42,"end":189.64,"sentiment":"positive","sentiment_score":0.3511039231504713},{"text":"Oh, yeah.","start":189.78,"end":190.18001,"sentiment":"neutral","sentiment_score":0.07297955080866814},{"text":"Next time I touch base, I'll just make a note to touch on the the mortgage value, but that's fine.","start":190.18001,"end":197.72,"sentiment":"neutral","sentiment_score":0.041314048739150164}],"sentiment":"neutral","sentiment_score":0.13503320721964188,"num_words":68,"start":175.96501,"end":197.72},{"sentences":[{"text":"So this would just be going out to your email there just in regards to the documents there today, and that'll be icworldranges@hotmail.com.","start":198.755,"end":206.775,"sentiment":"neutral","sentiment_score":0.14149815718764844},{"text":"Oh, okay.","start":209.875,"end":210.535,"sentiment":"neutral","sentiment_score":0.07659461721777916},{"text":"I always, yeah, capitalize it for some reason for an I when it's capitals and emails, but not a problem at all.","start":210.595,"end":216.48999,"sentiment":"neutral","sentiment_score":0.1462163461202925},{"text":"That yeah.","start":216.48999,"end":217.04999,"sentiment":"positive","sentiment_score":0.41083042323589325},{"text":"Perfect.","start":217.04999,"end":217.54999,"sentiment":"positive","sentiment_score":0.6942130327224731}],"sentiment":"neutral","sentiment_score":0.16280560687184334,"num_words":50,"start":198.755,"end":217.54999},{"sentences":[{"text":"So within regards to that one, you will just have the the statement of advice.","start":218.01,"end":221.20999,"sentiment":"neutral","sentiment_score":0.1954709510008494},{"text":"It will come through your Otusign as opposed to, like, the DocuSign you've used previously.","start":221.20999,"end":225.31,"sentiment":"neutral","sentiment_score":0.14608530600865682},{"text":"You'll also have a copy of the most up to date OQ Financial services guide and services guide.","start":225.53,"end":230.41501,"sentiment":"neutral","sentiment_score":0.13481782087021404},{"text":"In regards to to that one and just the PDFs for your product that we're recommending that you do retain.","start":231.755,"end":236.315,"sentiment":"neutral","sentiment_score":0.12272985018789768},{"text":"So within regards to documents created for yourself, prepared by myself and the team as an authorized representative under OQ Financial, it was finalized on the February 9.","start":236.315,"end":245.59,"sentiment":"neutral","sentiment_score":0.12551999863769328}],"sentiment":"neutral","sentiment_score":0.14082522496270636,"num_words":96,"start":218.01,"end":245.59},{"sentences":[{"text":"Obviously, we just missed you a couple times with a few booking attempts.","start":245.59,"end":248.15,"sentiment":"neutral","sentiment_score":-0.17252099008944172},{"text":"So it was valid for the thirty days, and then it's valid for another thirty.","start":248.15,"end":252.40999,"sentiment":"neutral","sentiment_score":0.11355858072638511},{"text":"After that, we're confirming your details.","start":253.055,"end":254.735,"sentiment":"neutral","sentiment_score":0.19252503663301468},{"text":"So since you've confirmed your details, that's more than fine.","start":254.735,"end":257.775,"sentiment":"positive","sentiment_score":0.4829617977142334},{"text":"You've got, you know, until the April 9 there to be able to finalize it if you are happy with it and assign.","start":257.775,"end":263.155,"sentiment":"positive","sentiment_score":0.36632440919461456}],"sentiment":"neutral","sentiment_score":0.20702739474850138,"num_words":67,"start":245.59,"end":263.155},{"sentences":[{"text":"As I said, it's quite a straightforward advice piece in terms of what what we were looking at.","start":263.29498,"end":267.72,"sentiment":"neutral","sentiment_score":0.1820950855811437},{"text":"It was this superannuation really in regards to looking at adjusting the investment portfolio, giving you time on board and just doing a bit of a refresh.","start":267.8,"end":276.14,"sentiment":"neutral","sentiment_score":0.15515383995241588},{"text":"As far as the insurances are concerned, you're pretty happy with the level of cover you had and maintaining that.","start":276.52,"end":281.32,"sentiment":"neutral","sentiment_score":0.28635397404432295},{"text":"So it's limitedly scoped in just for the impact on long term, like, growth.","start":281.32,"end":285.485,"sentiment":"neutral","sentiment_score":-0.07637869114322322},{"text":"As far as estate planning, budgeting, and debt, you are happy managing that all yourself.","start":285.865,"end":290.525,"sentiment":"positive","sentiment_score":0.5685925424098969}],"sentiment":"neutral","sentiment_score":0.21971841659793195,"num_words":94,"start":263.29498,"end":290.525},{"sentences":[{"text":"And then with that, you feel like you have, like, adequate estate planning provisions with your will even though you're sort of unsure about the power of attorney, but your partner's apparently pretty onto it.","start":291.305,"end":300.39,"sentiment":"positive","sentiment_score":0.39139103016683036},{"text":"So you're pretty confident in that one.","start":300.39,"end":302.23,"sentiment":"positive","sentiment_score":0.6172893898827689},{"text":"Beneficiaries are up to date.","start":302.23,"end":303.35,"sentiment":"positive","sentiment_score":0.3829108774662018},{"text":"That's fine.","start":303.35,"end":304.09,"sentiment":"positive","sentiment_score":0.5351364612579346},{"text":"And then, obviously, you're happy paying down your mortgage debt.","start":304.23,"end":307.03,"sentiment":"positive","sentiment_score":0.5082464754581452}],"sentiment":"positive","sentiment_score":0.44215260761774194,"num_words":59,"start":291.305,"end":307.03},{"sentences":[{"text":"Obviously, that's changed a little bit, but still happy managing that yourself.","start":307.03,"end":310.09,"sentiment":"neutral","sentiment_score":0.3139548487961292},{"text":"As far as limited advice forwarding, it's basically pertaining to the fact that we're only really providing advice on the superannuation side of things with this update.","start":312.015,"end":318.995,"sentiment":"neutral","sentiment_score":0.040665726004927245},{"text":"Within regards to the goals and everything on that, make sure they are that they are sort of the long term things and sort of what you're working towards that we sort of use as bit of the North Star and where you're sort of headed.","start":320.255,"end":329.72,"sentiment":"neutral","sentiment_score":0.13744550449368748},{"text":"But as far as the advice, quite straightforward with looking at retaining a Hub twenty four superannuation fund and just changing those underlying investments.","start":329.86,"end":336.52,"sentiment":"neutral","sentiment_score":0.11846094190453489},{"text":"In regards to page seven and eight there, you'll be able to see just your details in regards to that.","start":338.225,"end":342.70502,"sentiment":"neutral","sentiment_score":0.08683787155896425}],"sentiment":"neutral","sentiment_score":0.12223058938980103,"num_words":129,"start":307.03,"end":342.70502},{"sentences":[{"text":"Obviously, the main residence debt is probably a little bit different, so that's fine.","start":342.70502,"end":346.325,"sentiment":"neutral","sentiment_score":-0.0496935747630362},{"text":"We can provide you an updated copy once you sort of do provide those details, but other than that, it's not a huge deal.","start":346.70502,"end":352.805,"sentiment":"neutral","sentiment_score":0.15453553665429354},{"text":"The next page over, you'll be able to see your insurance and that we covered for currently and the cost you do pay for those.","start":353.72,"end":359.42,"sentiment":"neutral","sentiment_score":0.17489261746406556},{"text":"Now the the risk profile, you did score growth, which is around that eighty twenty split of growth assets to defensive assets, and we're still recommending you keep in line with that just given your time to retirement level of risk you do wanna take on and how things are traveling.","start":360.04,"end":371.895,"sentiment":"neutral","sentiment_score":0.26259317964899775},{"text":"You're quite happy with it.","start":371.895,"end":373.195,"sentiment":"positive","sentiment_score":0.7096814036369323}],"sentiment":"neutral","sentiment_score":0.20442115504122457,"num_words":119,"start":342.70502,"end":373.195},{"sentences":[{"text":"Now in regards to the change there, you'll be able to see the table on page 12 once you get a chance to look at that one.","start":373.815,"end":381.3,"sentiment":"neutral","sentiment_score":0.05366583513440909},{"text":"In regards to that, there is a change in balance because within regards to the changes of investment, there are some capital gains with the level of growth you have had since being onboard.","start":381.78,"end":391.08,"sentiment":"neutral","sentiment_score":0.08553840893813792},{"text":"Now within regards to the change, though, the investment fee there is, like, significantly lower than what it is currently with the change in reducing your level of exposure to the current investments that you do hold and with that removing that bend along that actively perform actively managed underperforming asset.","start":391.94,"end":411.545,"sentiment":"neutral","sentiment_score":0.07901639184531044},{"text":"So with the updated recommendation, you won't have active management moving forward.","start":412.78,"end":415.98,"sentiment":"neutral","sentiment_score":-0.028674038127064705},{"text":"It will be more of an index passive approach, still using, like, a core and satellite.","start":415.98,"end":419.66,"sentiment":"neutral","sentiment_score":0.011979865143075585}],"sentiment":"neutral","sentiment_score":0.058819348724292855,"num_words":140,"start":373.815,"end":419.66},{"sentences":[{"text":"We're between the ETFs that you hold of, like, your main core versus, like, the strategic satellites to try and be in a little bit of sort of growth areas there that carry a bit more risk.","start":419.66,"end":429.115,"sentiment":"neutral","sentiment_score":-0.092217537373103},{"text":"But with that, you won't have those actively managed funds that are trying to pick and choose those winners, which obviously you've seen with that long, it didn't go too well, and you had quite a an active or quite a portion allocated to that.","start":429.735,"end":441.72,"sentiment":"neutral","sentiment_score":-0.1923244467212094},{"text":"So you won't have that moving forward, which means your diversification will be a little bit better across the board as well in terms of that level of risk you do have.","start":441.72,"end":449.26,"sentiment":"neutral","sentiment_score":0.016357654239982367},{"text":"Now in regards to the adviser fee, given that you sort of pay a bit of capital gains and offset with some of the losses from Benelong, it will reduce the fee a little bit, gains and offset with some of the losses from Benelon, it will reduce the fee a little bit just because your balance is gonna dip for that slight bit, but, obviously, it's a percentage base.","start":451.32,"end":462.215,"sentiment":"neutral","sentiment_score":0.13518383694546562},{"text":"It depends on what it does moving forward.","start":462.215,"end":464.07498,"sentiment":"neutral","sentiment_score":0.12438648333773017}],"sentiment":"neutral","sentiment_score":-0.005652310399455018,"num_words":192,"start":419.66,"end":464.07498},{"sentences":[{"text":"Now in regards to the recommended investment, the past performance is quite high considering compared to your current fund.","start":464.375,"end":471.83,"sentiment":"neutral","sentiment_score":0.02523073318757509},{"text":"Now, obviously, past performance is an indicative of future performance.","start":471.97,"end":474.69,"sentiment":"neutral","sentiment_score":-0.07725307494401931},{"text":"So within regards to all projections is to be taken with a grain of salt.","start":474.69,"end":479.49,"sentiment":"neutral","sentiment_score":-0.0722141129275163},{"text":"It's basically just illustrated for the last five years replicated year on year for the next five, but, obviously, that's never gonna happen.","start":479.49,"end":485.995,"sentiment":"neutral","sentiment_score":-0.06892859121865552},{"text":"I don't know what Trump's gonna do tomorrow, let alone what he's gonna tweet tonight.","start":486.055,"end":489.435,"sentiment":"neutral","sentiment_score":-0.16502652813990912}],"sentiment":"neutral","sentiment_score":-0.0663062686941064,"num_words":82,"start":464.375,"end":489.435},{"sentences":[{"text":"Yep.","start":495.51,"end":495.99002,"sentiment":"neutral","sentiment_score":-0.01668771728873253},{"text":"So, unfortunately, the war in Iran is not only causing havoc with everyone super in the market, it's also causing havoc with just the holidays for Easter, unfortunately, with the fuel prices at the moment.","start":495.99002,"end":507.11002,"sentiment":"negative","sentiment_score":-0.40336767179625377},{"text":"But in in saying that, there's not too much we can do.","start":507.11002,"end":510.27502,"sentiment":"neutral","sentiment_score":-0.3229598378141721},{"text":"America sneezes.","start":510.27502,"end":511.795,"sentiment":"negative","sentiment_score":-0.4053627550601959},{"text":"We all catch a cold, so it's a bit unfortunate in that sense.","start":511.795,"end":514.695,"sentiment":"neutral","sentiment_score":-0.2506635154669101}],"sentiment":"negative","sentiment_score":-0.3504670713510778,"num_words":63,"start":495.51,"end":514.695},{"sentences":[{"text":"But as as far as the recommendations, I'd say quite straightforward in the sense that we're looking at just changing those investments.","start":517.075,"end":522.695,"sentiment":"neutral","sentiment_score":0.04887782858515328},{"text":"The key in that one is you will remove that active component.","start":522.755,"end":526.1,"sentiment":"neutral","sentiment_score":0.1133871590718627},{"text":"So you won't have the ability to try and outperform the markets, but given how the markets have been performing at least over the past five years, they have been performing quite well, and it comes at a very low cost compared to what you're currently paying in regards to those investments, which means that all goes back into reinvesting.","start":526.1,"end":540.345,"sentiment":"neutral","sentiment_score":0.30902422914902367},{"text":"And given you we're pretty happy to not take on sort of more risk given what your balance is.","start":540.565,"end":546.325,"sentiment":"positive","sentiment_score":0.33931048371289907},{"text":"You just kinda want that steady growth and index sort of driven approach there over a long term period has been shown to sort of even outperform those managed funds as well with those sort of bad performing years like we've been long.","start":546.325,"end":557.52997,"sentiment":"neutral","sentiment_score":0.17540511783472326}],"sentiment":"neutral","sentiment_score":0.22414571246227774,"num_words":156,"start":517.075,"end":557.52997},{"sentences":[{"text":"Obvious yeah.","start":560.71,"end":562.08997,"sentiment":"neutral","sentiment_score":0.12388142198324203},{"text":"Yeah.","start":574.645,"end":575.045,"sentiment":"neutral","sentiment_score":-0.13561490178108215},{"text":"And obviously, like, if you like, having even just 80% growth assets, you wanna sort of still hold long term.","start":575.045,"end":581.72003,"sentiment":"neutral","sentiment_score":-0.0011431287974119186},{"text":"In regards to that, at the moment, there's a bit of a dip.","start":581.86005,"end":583.94,"sentiment":"neutral","sentiment_score":-0.13481238742287344},{"text":"So you're selling low, buying low.","start":583.94,"end":585.22003,"sentiment":"neutral","sentiment_score":-0.22155900547901788}],"sentiment":"neutral","sentiment_score":-0.07125308816986424,"num_words":42,"start":560.71,"end":585.22003},{"sentences":[{"text":"That's fine.","start":585.22003,"end":585.94,"sentiment":"neutral","sentiment_score":0.0759014617651701},{"text":"Obviously, in regards to Benelung and what happened with that, it was quite significant, and it was something outside of just the markets as well.","start":585.94,"end":592.615,"sentiment":"neutral","sentiment_score":-0.20079101204872132},{"text":"Now with that, if they had more consumer confidence in that moving forward, you'd probably look to retain it and try and get the the growth back out of it, wait for the rebound.","start":593.315,"end":601.235,"sentiment":"neutral","sentiment_score":-0.07284032860222985},{"text":"But just with the way they're going and the way they performed over the past three years prior to that as well, the investment committee just wants to move away from that managed fund altogether.","start":601.235,"end":609.8,"sentiment":"neutral","sentiment_score":-0.32463733979633874},{"text":"Even if, like, you were to have active management, they wouldn't sort of recommend or I wouldn't recommend sort of staying with Benelong.","start":609.86,"end":615.3,"sentiment":"neutral","sentiment_score":-0.16431009056775467}],"sentiment":"neutral","sentiment_score":-0.18895783635372876,"num_words":119,"start":585.22003,"end":615.3},{"sentences":[{"text":"It's kind of a bit of a cut your losses and move on to something better.","start":615.3,"end":619.315,"sentiment":"neutral","sentiment_score":-0.16797765181399882},{"text":"Yeah.","start":619.855,"end":620.355,"sentiment":"neutral","sentiment_score":0.015737181529402733},{"text":"A little bit.","start":620.415,"end":621.15497,"sentiment":"neutral","sentiment_score":-0.11297708749771118},{"text":"Obviously, yeah, the the market's down and with the changes as well, there is the slight risk that, you know, with our topsy-turvy, the markets are for the portion of your portfolio that is selling to cash and changing that if the markets were to sort of rebound at some point during that, you're obviously buying a little bit higher.","start":623.615,"end":638.75995,"sentiment":"neutral","sentiment_score":-0.1529942486435175},{"text":"But also if they take a bit of a dip wire in cash, you get a bit of a a discount, which is good as well.","start":638.75995,"end":643.31995,"sentiment":"neutral","sentiment_score":0.027185086017617814}],"sentiment":"neutral","sentiment_score":-0.10833659615227074,"num_words":106,"start":615.3,"end":643.31995},{"sentences":[{"text":"But that is the risk with how volatile it is with those swings that you might sort of forego a little bit of growth or might actually get a bit of a lower cost price at the end of the day.","start":643.31995,"end":652.455,"sentiment":"neutral","sentiment_score":-0.3123636714568952},{"text":"Yep.","start":656.35504,"end":656.85504,"sentiment":"neutral","sentiment_score":0.034634068608284},{"text":"But with the, you know, the more passive investment style, not to say that you can't sort of change it up in the future as well.","start":657.155,"end":662.03503,"sentiment":"neutral","sentiment_score":-0.056402777249996476},{"text":"It's just sort of during these sort of times, it's really hard to sort of pick and choose those winners.","start":662.03503,"end":665.85,"sentiment":"neutral","sentiment_score":-0.2989899776875973},{"text":"It's great if you're sort of able to and you sort of out on the market considerably.","start":665.85,"end":669.62994,"sentiment":"positive","sentiment_score":0.4683583852122812}],"sentiment":"neutral","sentiment_score":-0.11672814928349995,"num_words":105,"start":643.31995,"end":669.62994},{"sentences":[{"text":"But at the moment, there seems to be a lot more losers than than winners with the picking just with everything going up.","start":670.25,"end":675.195,"sentiment":"negative","sentiment_score":-0.465520555558412},{"text":"So at least if you're tracking the markets, you're tracking, you know, the top 200, top 500 companies in the market and what they're doing, which means that you're just performing as well as they can.","start":676.395,"end":686.235,"sentiment":"neutral","sentiment_score":0.1899850374708573},{"text":"Whereas if you wanna pick and choose those winners, much like what Benelon tried to do, sometimes you come out on the bottom there as well, and you're paying a high cost for that as well.","start":686.235,"end":693.8,"sentiment":"neutral","sentiment_score":-0.04835377261042595},{"text":"Yeah.","start":695.45996,"end":695.69995,"sentiment":"neutral","sentiment_score":0.04060114920139313},{"text":"And, statistically, it has been sort of shown that passively over a longer term period does sort of work out, yeah, in the long run if you're not sort of paying too much more attention to it or sort of regularly reviewing those actively managed funds because they can do a 60 plus year or they can do a negative 30 plus year.","start":695.69995,"end":711.955,"sentiment":"neutral","sentiment_score":-0.04776795870727963}],"sentiment":"neutral","sentiment_score":-0.05394356913349164,"num_words":159,"start":670.25,"end":711.955},{"sentences":[{"text":"So it's like it's a bit of a double edged sword with that.","start":711.955,"end":715.095,"sentiment":"neutral","sentiment_score":0.000453351208796868},{"text":"Obviously, the advantage is it's lower cost.","start":717.71497,"end":719.555,"sentiment":"neutral","sentiment_score":0.3320990949869156},{"text":"It's in line with your risk profile.","start":719.555,"end":721.175,"sentiment":"positive","sentiment_score":0.3752587991101401},{"text":"You You still have the same allocation of growth assets.","start":721.235,"end":723.20996,"sentiment":"neutral","sentiment_score":0.2719594821333885},{"text":"You just don't have that manager risk, and you'll remain a client at Oakview Financial and still receive all the the services you're currently receiving there.","start":723.20996,"end":730.50995,"sentiment":"neutral","sentiment_score":0.21101414011074945}],"sentiment":"neutral","sentiment_score":0.2089422426763035,"num_words":63,"start":711.955,"end":730.50995},{"sentences":[{"text":"The big disadvantage is it's around 3,800 in regards to the CGT liability in regards to that.","start":731.44995,"end":736.515,"sentiment":"negative","sentiment_score":-0.3383021179367514},{"text":"But in saying that a lot of that was offset, it would have been higher from that been a long loss.","start":736.575,"end":740.175,"sentiment":"negative","sentiment_score":-0.4224016751561846},{"text":"So it does mean that when you're paying CGT, it does mean you're making money, unfortunately.","start":740.175,"end":744.035,"sentiment":"negative","sentiment_score":-0.36596687603741884},{"text":"So but it's better than the opposite of not paying any and not making any sort of gain.","start":744.175,"end":749.28,"sentiment":"neutral","sentiment_score":-0.2589337196615007},{"text":"Yeah.","start":749.44,"end":749.76,"sentiment":"neutral","sentiment_score":0.0630442202091217}],"sentiment":"negative","sentiment_score":-0.3434904648424828,"num_words":73,"start":731.44995,"end":749.76},{"sentences":[{"text":"Exactly.","start":749.76,"end":750.26,"sentiment":"neutral","sentiment_score":0.11150376498699188},{"text":"Exactly.","start":752.96,"end":753.46,"sentiment":"neutral","sentiment_score":0.13668730854988098},{"text":"And then, obviously, with the change moving forward, it's sort of that more passive, longer term approach, getting a bit more of exposure in Europe compared to what you're currently in, still having an allocation there to the cybersecurity side of things, just a rebalance there.","start":753.52,"end":770.275,"sentiment":"neutral","sentiment_score":0.10734677007016928},{"text":"And then within regards to the the main key portions, you will have a key portion in the Australian two hundred, which is your sort of Australian equity as opposed from the Benelung that you currently hold, and then you'll still hold a key holding in the S and P five hundred.","start":770.575,"end":784.62,"sentiment":"neutral","sentiment_score":0.0829166118771984},{"text":"And then the investments around that will just be, as I said, the satellite sort of approaches apart from, like, your defensive assets that sort of go to those sort of smaller areas where it seem to have some future growth, but obviously not as much confidence as, like, The US and Australian market allocation.","start":784.62,"end":803.805,"sentiment":"neutral","sentiment_score":0.007375031100078063}],"sentiment":"neutral","sentiment_score":0.06389311628956948,"num_words":155,"start":749.76,"end":803.805},{"sentences":[{"text":"Perfect.","start":807.19,"end":807.69,"sentiment":"positive","sentiment_score":0.35221946239471436},{"text":"Obviously, yeah, we did consider maintaining the active management, which is due to the high cost in the past performance of a few of the funds at the moment, especially the areas where it was going to.","start":807.91003,"end":818.155,"sentiment":"neutral","sentiment_score":-0.046127266074354585},{"text":"We just sort of thought the passive approach would be better off, especially with your like a have, like, a version two risk there.","start":818.155,"end":824.47504,"sentiment":"neutral","sentiment_score":-0.15964590928827724},{"text":"But in saying that it can be changed in future, you'll still have that call moving forward.","start":824.47504,"end":828.895,"sentiment":"neutral","sentiment_score":0.1791266785825},{"text":"And then if you wanna sort of change up a few of the satellites, that is an opportunity at a later date as well if the market sort of turnaround a bit.","start":828.955,"end":835.88,"sentiment":"neutral","sentiment_score":0.16816475405357778}],"sentiment":"neutral","sentiment_score":0.029193103246323696,"num_words":111,"start":807.19,"end":835.88},{"sentences":[{"text":"On page 17, you'll be able to see the allocation to that one.","start":838.66003,"end":841.62,"sentiment":"neutral","sentiment_score":0.07928979124587315},{"text":"So you will have slightly less allocation to growth assets compared to what you've currently got and slightly more to the defensive side of things.","start":841.62,"end":849.13495,"sentiment":"neutral","sentiment_score":-0.04682903235778212},{"text":"But in in saying that as well, the alternative asset you do hold is gold, which can be considered mainly a bit more growth at the moment, which has bumped you up as opposed to sitting in the defensive side of things.","start":849.13495,"end":860.115,"sentiment":"neutral","sentiment_score":0.04934919421516713},{"text":"So you could probably look to have that a little bit higher, but in saying that at the the moment there, we're just an alternative asset, but a bit more of a growth with the way gold has been performing even though it has taken a little bit of a dip.","start":861.96,"end":873.615,"sentiment":"neutral","sentiment_score":0.02061546181200766},{"text":"Yeah.","start":878.815,"end":879.315,"sentiment":"neutral","sentiment_score":0.07717114686965942}],"sentiment":"neutral","sentiment_score":0.023191419193718695,"num_words":132,"start":838.66003,"end":879.315},{"sentences":[{"text":"Considering you've held it for the the few years that it's been taking that, you know, nice big jump, it's sort of just a bit of a market correction.","start":879.535,"end":887.315,"sentiment":"neutral","sentiment_score":0.1574288435794156},{"text":"Now in regards to that, is there any questions in regards to that at all?","start":891.2,"end":894.98004,"sentiment":"neutral","sentiment_score":0.10446233401695887},{"text":"Yeah.","start":913.55,"end":913.87,"sentiment":"neutral","sentiment_score":0.11672227829694748},{"text":"So it is still rising, obviously, trying to get it moving a bit higher in the right direction following that COVID period where it did take a little bit of a a dive.","start":913.87,"end":922.13,"sentiment":"neutral","sentiment_score":0.14836615617528107},{"text":"And, obviously, this year was obviously not too fantastic with the tariff talk.","start":922.35,"end":925.815,"sentiment":"neutral","sentiment_score":-0.09288858959021476}],"sentiment":"neutral","sentiment_score":0.10920467298314139,"num_words":91,"start":879.535,"end":925.815},{"sentences":[{"text":"It was a bit of a dip, and that recovered.","start":925.815,"end":927.095,"sentiment":"neutral","sentiment_score":-0.08089163042604923},{"text":"And then, obviously, the war in Iran has taken another bit of a dip.","start":927.095,"end":929.895,"sentiment":"neutral","sentiment_score":-0.04609453199165208},{"text":"So just seems a bit like one after the other at the moment, but in saying that it's still still moving moving up, which is the main thing.","start":929.895,"end":940.41003,"sentiment":"neutral","sentiment_score":0.12250025304300445},{"text":"As far as the adviser fee, it will still be the 1.1% given your partners on board and then 22% of your ClearView premium, which you can see on page 22 there.","start":941.11,"end":948.81,"sentiment":"neutral","sentiment_score":0.04312263958854601},{"text":"And then within regards to the financial impact from your insurances, you can just say on page 19 what that looks like if you had no insurance versus the current situation versus the recommended.","start":949.90497,"end":959.285,"sentiment":"neutral","sentiment_score":-0.04523051058983102}],"sentiment":"neutral","sentiment_score":0.015405546100336617,"num_words":118,"start":925.815,"end":959.285},{"sentences":[{"text":"Now, obviously, you know, we don't really normally like to sort of project as far out as the the ten years, especially with your time to retirement and things like that.","start":959.425,"end":968.14,"sentiment":"neutral","sentiment_score":0.01769678703238887},{"text":"Obviously, you've got a nice healthy balance.","start":968.45996,"end":969.89996,"sentiment":"positive","sentiment_score":0.435637571981975},{"text":"Hopefully, it continues to grow.","start":969.89996,"end":971.01996,"sentiment":"positive","sentiment_score":0.46674269437789917},{"text":"But, to say, you know, you're gonna end up with, like, you know, over $1,000,000 in your super by the time you retire and things like that, you never know with the market.","start":971.01996,"end":977.82,"sentiment":"neutral","sentiment_score":0.05903805543979009},{"text":"So it's just a bit of an illustration at that point just to to show you.","start":977.82,"end":982.445,"sentiment":"neutral","sentiment_score":0.059872500598430634}],"sentiment":"neutral","sentiment_score":0.0960651381832102,"num_words":92,"start":959.425,"end":982.445},{"sentences":[{"text":"But do you have any questions in regards to that?","start":982.445,"end":983.965,"sentiment":"neutral","sentiment_score":0.0516131354495883},{"text":"Obviously, it's quite a brief overview there, but I'm mindful of your time.","start":983.965,"end":987.585,"sentiment":"neutral","sentiment_score":0.024961628736211702},{"text":"Yeah.","start":1002.94,"end":1003.34,"sentiment":"neutral","sentiment_score":0.1975618153810501},{"text":"So hopefully with the update, you just get nice steady growth moving forward, and you'll eliminate that majority holding to that Ben Long, which obviously hasn't been performing too great.","start":1003.34,"end":1013.795,"sentiment":"neutral","sentiment_score":0.15993490653733414},{"text":"And it was quite a massive well, 20% of your your holding over close to 25 before it took the dip in regards to that.","start":1013.795,"end":1020.78,"sentiment":"neutral","sentiment_score":0.12310787752270698}],"sentiment":"neutral","sentiment_score":0.11283466427386561,"num_words":79,"start":982.445,"end":1020.78},{"sentences":[{"text":"So quite a heavy weighting and and actively managed portfolio.","start":1020.86005,"end":1023.74005,"sentiment":"neutral","sentiment_score":0.15809701532125472},{"text":"And if it turns out well, it turns out great, but you do get the opposite up to this end of the coin as well, whether you do get those years.","start":1023.74005,"end":1030.0,"sentiment":"neutral","sentiment_score":-0.01176895850127743},{"text":"But if you're following the indexes and you have a a bad year, it means the majority of people are having somewhat of a bad year because those are all those top performing companies in those areas and through those exchange traded funds.","start":1031.5801,"end":1041.865,"sentiment":"neutral","sentiment_score":-0.25459240966064983},{"text":"No.","start":1045.125,"end":1045.625,"sentiment":"neutral","sentiment_score":-0.04107972979545593},{"text":"Not a problem at all.","start":1062.995,"end":1064.135,"sentiment":"neutral","sentiment_score":-0.0015199683606624604}],"sentiment":"neutral","sentiment_score":-0.1086668971925974,"num_words":90,"start":1020.86005,"end":1064.135},{"sentences":[{"text":"Great.","start":1065.155,"end":1065.475,"sentiment":"positive","sentiment_score":0.503911018371582},{"text":"That'd be great.","start":1065.475,"end":1065.955,"sentiment":"positive","sentiment_score":0.5235419670740763},{"text":"Yeah.","start":1065.955,"end":1066.115,"sentiment":"neutral","sentiment_score":0.18753594160079956},{"text":"Just shoot us an email, let the team know to try that payment again or at least email you when that will be coming through.","start":1066.115,"end":1071.575,"sentiment":"neutral","sentiment_score":0.13291626363992692},{"text":"Yeah.","start":1080.91,"end":1081.41,"sentiment":"neutral","sentiment_score":-0.06123558431863785}],"sentiment":"neutral","sentiment_score":0.1781852860604563,"num_words":31,"start":1065.155,"end":1081.41},{"sentences":[{"text":"Yeah.","start":1089.405,"end":1089.905,"sentiment":"neutral","sentiment_score":-0.13220226764678955},{"text":"I I believe the last time we spoke to you, the card details were expired or something like that.","start":1090.605,"end":1096.86,"sentiment":"neutral","sentiment_score":-0.21545804409604324},{"text":"And then we got that sorted, and I haven't heard about it much.","start":1096.86,"end":1099.1,"sentiment":"neutral","sentiment_score":-0.19768582055201897},{"text":"And then, yeah, I was informed that it sort of was outstanding again before going on this call.","start":1099.1,"end":1104.22,"sentiment":"neutral","sentiment_score":-0.09325471085806687},{"text":"So No problem at all, Luke.","start":1104.22,"end":1122.25,"sentiment":"positive","sentiment_score":0.4207728399584691}],"sentiment":"neutral","sentiment_score":-0.10438190400600433,"num_words":57,"start":1089.405,"end":1122.25},{"sentences":[{"text":"Do you have any other questions for me before I let you go through this afternoon?","start":1122.25,"end":1125.23,"sentiment":"neutral","sentiment_score":0.08867491804994643},{"text":"Too easy.","start":1132.25,"end":1132.91,"sentiment":"neutral","sentiment_score":0.14386438205838203},{"text":"Should have that Odoo in your inbox here.","start":1133.015,"end":1135.255,"sentiment":"neutral","sentiment_score":0.22746183909475803},{"text":"I'll have the attachments in the link there if you were happy to sign everything at the end of the day for that update.","start":1135.255,"end":1139.015,"sentiment":"neutral","sentiment_score":0.19140566078325114},{"text":"But otherwise, I'll let you get back to it, and just let us know if you have any questions.","start":1139.015,"end":1142.3151,"sentiment":"neutral","sentiment_score":0.21686058530682012}],"sentiment":"neutral","sentiment_score":0.17739578471451567,"num_words":69,"start":1122.25,"end":1142.3151},{"sentences":[{"text":"Too easy, mate.","start":1144.295,"end":1145.0951,"sentiment":"positive","sentiment_score":0.5653347869714102},{"text":"Thanks.","start":1145.0951,"end":1145.5951,"sentiment":"positive","sentiment_score":0.6235291957855225},{"text":"Bye.","start":1145.655,"end":1146.155,"sentiment":"positive","sentiment_score":0.3640871047973633}],"sentiment":"positive","sentiment_score":0.5367241322994232,"num_words":5,"start":1144.295,"end":1146.155}]}}]},{"alternatives":[{"transcript":"Blake speaking. Hey. Good. How are you? Thanks. Yeah. That's fine. Yeah. I just had forgotten, but, yeah, it's good timing. Yeah. Perfect. Sounds great. Thank you. Yep. That's Luke. Andrew Range is 12 Of 78128 Brianna Court, Madribah. No. That's it's just like a weird $10 payment or something, is it? Is that the one or is there something else? Yeah. I don't know that I I don't know why that always doesn't I I really don't know whether it's something to do with my bank thing as something weird or it just it's the only payment that ever seems to not work if it's such a small amount. I I don't understand why, but the only thing I can think of is I might have to change it to maybe try a different account. I've got, you know, two accounts, and I've always got money in them, but it doesn't seem to like that one for some reason. Yeah. Yeah. Yeah. Sure. No. It's still the same job. Yeah. Nothing's changed there. The mortgage has changed. I need to get all those details through to, I don't know, whoever rang me the other day just in regards to the the amount that we owe. We borrowed some more money to do some more work around the house. So and I think the figure he gave me, I don't think that was accurate to begin with. So I need to dig into that and see how much is we actually owe on the mortgage and send all that through to you. Yeah. That that's that that wouldn't have been right for a long time. That would have been, like, pre our original Reno, which was probably three years ago now. So I'm not sure how they never got updated, but, it's a lot more than that. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Sure. Yeah. It's an LC, but, yeah, that's that's that's right. Yeah. Yep. Yep. Yeah. Mhmm. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Mhmm. Yep. Mhmm. Sure. Mhmm. Yeah. Yep. Mhmm. Yep. Sure. Yep. Yeah. Yeah. I'll tell you. I thought this year was gonna be my year, but I had other plans. So yeah. Yeah. Yeah. That's exactly right. Yeah. Yep. Yeah. Yep. Yeah. Yep. Yep. That sounds good. Yeah. There was there was a a point there where I thought maybe I should start to become a bit more aggressive, but then this year happened, and I was like, okay. Now I'll just I'll just keep on keeping on. I think this is so unpredictable these days with everything. Yeah. Yep. Yeah. Yeah. Yeah. Move on. Yeah. Yep. No. Of course. Yep. Yep. No. That's understandable. Yeah. Yep. Yep. Yeah. Of course. Yep. File. Yeah. Yep. Yeah. That's right. Yeah. Yep. Yeah. Yep. Yep. And not making any money. Yeah. Yeah. Yep. Yeah. Gotta spend at the market. Yep. Mhmm. Yeah. Yep. No. That all sounds pretty good. Yeah. Yeah. Yep. Yep. Not perfect. Mhmm. Yep. Yeah. Yeah. It's sort of a good rise before it dips, though. So nice. Yeah. Yeah. Yep. Nice. Nah. That's all pretty much what I was expecting you to say, to be honest. Yeah. It's probably why I just stick with what we're doing. It seems to be good these days with you. I don't think we've had a decent year where I felt certain about anything since pre COVID. So it's at least I'm making money. You know? So that's the we can ask for. Yeah. Yeah. Yeah. Really does. Yeah. I'm sure we'll get there. Yep. Mhmm. Mhmm. Yeah. Yep. No. Yeah. No. It's fine. I'll I'll look through that when you send it through. And, no, that's like I said, that was pretty much expecting you to to say that's that's good. I it's you know, I that it wasn't bad news, so that's that's all I can hope for, really. Yeah. Yep. Yeah. Yep. Yep. Yep. That's right. Exactly right. No. No. Perfect, mate. That sounds good. Yeah. I'll just have a look through that when you send it through, and I'll I'll send through that. Got the documentation there to fill out for the mortgage thing there. So I'll I'll I'll sort of that out sometime this week for you. Send all that through updated. Yeah. That'd be great. Yeah. If they just let me know, that's yeah. I'll just keep an eye on that thing, just see what's going on there. Well, I thought we'd fixed it before. I think it was an issue, I don't know, on the OEM somehow, but and then it was working perfect, and then it's I don't know. It's one of them things that I try not to say. That's you know? I don't seem to be able to fix it. So Yeah. Yeah. Yep. Which is yeah. It's weird because it's a direct debit session regardless of the card, it's coming out of an account, not not a card as such. But, yeah, it's no. Well, yeah, just give them to run it through again at some stage. Let's let me know when that'll be, and I'll just make sure it's it works this time. No. That's that's everything, man. You've you've been through it. And and if I do think of something, I'll I'll just shoot you a message. Perfect. Sounds great. Alright. Thanks for your time. Alright. See you. 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speaking. Hey. Good. How are you? Thanks.\n\nYeah. That's fine. Yeah. I just had forgotten, but, yeah, it's good timing. Yeah.\n\nPerfect. Sounds great. Thank you. Yep. That's Luke.\n\nAndrew Range is 12 Of 78128 Brianna Court, Madribah. No. That's it's just like a weird $10 payment or something, is it? Is that the one or is there something else? Yeah.\n\nI don't know that I I don't know why that always doesn't I I really don't know whether it's something to do with my bank thing as something weird or it just it's the only payment that ever seems to not work if it's such a small amount. I I don't understand why, but the only thing I can think of is I might have to change it to maybe try a different account. I've got, you know, two accounts, and I've always got money in them, but it doesn't seem to like that one for some reason. Yeah. Yeah.\n\nYeah. Sure. No. It's still the same job. Yeah.\n\nNothing's changed there. The mortgage has changed. I need to get all those details through to, I don't know, whoever rang me the other day just in regards to the the amount that we owe. We borrowed some more money to do some more work around the house. So and I think the figure he gave me, I don't think that was accurate to begin with.\n\nSo I need to dig into that and see how much is we actually owe on the mortgage and send all that through to you. Yeah. That that's that that wouldn't have been right for a long time. That would have been, like, pre our original Reno, which was probably three years ago now. So I'm not sure how they never got updated, but, it's a lot more than that.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Sure. Yeah. It's an LC, but, yeah, that's that's that's right. Yeah.\n\nYep. Yep. Yeah. Mhmm. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Mhmm. Yep. Mhmm. Sure.\n\nMhmm. Yeah. Yep. Mhmm. Yep.\n\nSure. Yep. Yeah. Yeah. I'll tell you.\n\nI thought this year was gonna be my year, but I had other plans. So yeah. Yeah. Yeah. That's exactly right.\n\nYeah. Yep. Yeah. Yep. Yeah.\n\nYep. Yep. That sounds good. Yeah. There was there was a a point there where I thought maybe I should start to become a bit more aggressive, but then this year happened, and I was like, okay.\n\nNow I'll just I'll just keep on keeping on. I think this is so unpredictable these days with everything. Yeah. Yep. Yeah.\n\nYeah. Yeah. Move on. Yeah. Yep.\n\nNo. Of course. Yep. Yep. No.\n\nThat's understandable. Yeah. Yep. Yep. Yeah.\n\nOf course. Yep. File. Yeah. Yep.\n\nYeah. That's right. Yeah. Yep. Yeah.\n\nYep. Yep. And not making any money. Yeah. Yeah.\n\nYep. Yeah. Gotta spend at the market. Yep. Mhmm.\n\nYeah. Yep. No. That all sounds pretty good. Yeah.\n\nYeah. Yep. Yep. Not perfect. Mhmm.\n\nYep. Yeah. Yeah. It's sort of a good rise before it dips, though. So nice.\n\nYeah. Yeah. Yep. Nice. Nah.\n\nThat's all pretty much what I was expecting you to say, to be honest. Yeah. It's probably why I just stick with what we're doing. It seems to be good these days with you. I don't think we've had a decent year where I felt certain about anything since pre COVID.\n\nSo it's at least I'm making money. You know? So that's the we can ask for. Yeah. Yeah.\n\nYeah. Really does. Yeah. I'm sure we'll get there. Yep.\n\nMhmm. Mhmm. Yeah. Yep. No.\n\nYeah. No. It's fine. I'll I'll look through that when you send it through. And, no, that's like I said, that was pretty much expecting you to to say that's that's good.\n\nI it's you know, I that it wasn't bad news, so that's that's all I can hope for, really. Yeah. Yep. Yeah. Yep.\n\nYep. Yep. That's right. Exactly right. No.\n\nNo. Perfect, mate. That sounds good. Yeah. I'll just have a look through that when you send it through, and I'll I'll send through that.\n\nGot the documentation there to fill out for the mortgage thing there. So I'll I'll I'll sort of that out sometime this week for you. Send all that through updated. Yeah. That'd be great.\n\nYeah. If they just let me know, that's yeah. I'll just keep an eye on that thing, just see what's going on there. Well, I thought we'd fixed it before. I think it was an issue, I don't know, on the OEM somehow, but and then it was working perfect, and then it's I don't know.\n\nIt's one of them things that I try not to say. That's you know? I don't seem to be able to fix it. So Yeah. Yeah.\n\nYep. Which is yeah. It's weird because it's a direct debit session regardless of the card, it's coming out of an account, not not a card as such. But, yeah, it's no. Well, yeah, just give them to run it through again at some stage.\n\nLet's let me know when that'll be, and I'll just make sure it's it works this time. No. That's that's everything, man. You've you've been through it. And and if I do think of something, I'll I'll just shoot you a message.\n\nPerfect. Sounds great. Alright. Thanks for your time. Alright.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Blake speaking.","start":0.39999998,"end":2.82,"sentiment":"neutral","sentiment_score":0.021539738401770592},{"text":"Hey.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.19071972370147705},{"text":"Good.","start":6.48,"end":6.72,"sentiment":"neutral","sentiment_score":0.3048892021179199},{"text":"How are you?","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.2224202106396357},{"text":"Thanks.","start":7.12,"end":7.62,"sentiment":"positive","sentiment_score":0.4703460931777954}],"sentiment":"neutral","sentiment_score":0.2095368909649551,"num_words":8,"start":0.39999998,"end":7.62},{"sentences":[{"text":"Yeah.","start":13.12,"end":13.44,"sentiment":"neutral","sentiment_score":0.21558746695518496},{"text":"That's fine.","start":13.44,"end":13.92,"sentiment":"neutral","sentiment_score":0.2663799226284027},{"text":"Yeah.","start":13.92,"end":14.265,"sentiment":"neutral","sentiment_score":0.18107017874717712},{"text":"I just had forgotten, but, yeah, it's good timing.","start":14.745,"end":16.605,"sentiment":"neutral","sentiment_score":0.17567998377813232},{"text":"Yeah.","start":28.185001,"end":28.505001,"sentiment":"neutral","sentiment_score":0.18595844507217407}],"sentiment":"neutral","sentiment_score":0.19260684214532375,"num_words":14,"start":13.12,"end":28.505001},{"sentences":[{"text":"Perfect.","start":28.505001,"end":28.825,"sentiment":"positive","sentiment_score":0.4654127061367035},{"text":"Sounds great.","start":28.825,"end":29.385,"sentiment":"positive","sentiment_score":0.5852398574352264},{"text":"Thank you.","start":29.385,"end":29.88,"sentiment":"positive","sentiment_score":0.6129047870635986},{"text":"Yep.","start":37.239998,"end":37.719997,"sentiment":"neutral","sentiment_score":0.0648057609796524},{"text":"That's Luke.","start":37.719997,"end":38.76,"sentiment":"neutral","sentiment_score":0.041184136644005775}],"sentiment":"positive","sentiment_score":0.3761095036752522,"num_words":8,"start":28.505001,"end":38.76},{"sentences":[{"text":"Andrew Range is 12 Of 78128 Brianna Court, Madribah.","start":38.76,"end":42.3,"sentiment":"neutral","sentiment_score":0.04387608336077796},{"text":"No.","start":57.829998,"end":58.329998,"sentiment":"neutral","sentiment_score":-0.20284809172153473},{"text":"That's it's just like a weird $10 payment or something, is it?","start":58.39,"end":61.21,"sentiment":"neutral","sentiment_score":-0.2032237065335115},{"text":"Is that the one or is there something 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I think the figure he gave me, I don't think that was accurate to begin with.","start":147.71,"end":151.31,"sentiment":"neutral","sentiment_score":-0.1300313803884718}],"sentiment":"neutral","sentiment_score":-0.11084840249157313,"num_words":66,"start":134.255,"end":151.31},{"sentences":[{"text":"So I need to dig into that and see how much is we actually owe on the mortgage and send all that through to you.","start":151.31,"end":159.195,"sentiment":"neutral","sentiment_score":-0.04468588978052139},{"text":"Yeah.","start":159.195,"end":159.515,"sentiment":"neutral","sentiment_score":-0.015474976971745493},{"text":"That that's that that wouldn't have been right for a long time.","start":159.515,"end":162.095,"sentiment":"neutral","sentiment_score":-0.2073403112590313},{"text":"That would have been, like, pre our original Reno, which was probably three years ago now.","start":162.235,"end":167.835,"sentiment":"neutral","sentiment_score":-0.10777228139340878},{"text":"So I'm not sure how they never got updated, but, it's a lot more than 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money.","start":748.175,"end":749.375,"sentiment":"neutral","sentiment_score":-0.25067446529865267},{"text":"Yeah.","start":749.375,"end":749.855,"sentiment":"neutral","sentiment_score":0.05086350068449974},{"text":"Yeah.","start":749.855,"end":750.175,"sentiment":"neutral","sentiment_score":0.12189683318138124}],"sentiment":"neutral","sentiment_score":-0.13095623254776,"num_words":9,"start":730.93,"end":750.175},{"sentences":[{"text":"Yep.","start":750.175,"end":750.675,"sentiment":"neutral","sentiment_score":0.14195656776428223},{"text":"Yeah.","start":750.815,"end":751.13495,"sentiment":"neutral","sentiment_score":0.11731532216072084},{"text":"Gotta spend at the market.","start":751.13495,"end":752.355,"sentiment":"neutral","sentiment_score":0.12793257236480712},{"text":"Yep.","start":753.615,"end":754.115,"sentiment":"neutral","sentiment_score":0.1175004169344902},{"text":"Mhmm.","start":782.345,"end":782.845,"sentiment":"neutral","sentiment_score":0.055312320590019226}],"sentiment":"neutral","sentiment_score":0.11908305436372757,"num_words":9,"start":750.175,"end":782.845},{"sentences":[{"text":"Yeah.","start":803.635,"end":804.135,"sentiment":"neutral","sentiment_score":0.1346256136894226},{"text":"Yep.","start":804.67505,"end":805.17505,"sentiment":"neutral","sentiment_score":0.19159643352031708},{"text":"No.","start":807.395,"end":807.79504,"sentiment":"neutral","sentiment_score":0.10268634557724},{"text":"That all sounds pretty good.","start":807.79504,"end":809.17505,"sentiment":"positive","sentiment_score":0.33827080130577086},{"text":"Yeah.","start":816.54,"end":817.04,"sentiment":"neutral","sentiment_score":-0.013474727049469948}],"sentiment":"neutral","sentiment_score":0.23408751914070713,"num_words":9,"start":803.635,"end":817.04},{"sentences":[{"text":"Yeah.","start":826.695,"end":827.195,"sentiment":"neutral","sentiment_score":0.26137134432792664},{"text":"Yep.","start":838.615,"end":838.775,"sentiment":"neutral","sentiment_score":0.0976995974779129},{"text":"Yep.","start":838.775,"end":839.015,"sentiment":"neutral","sentiment_score":0.04581610485911369},{"text":"Not perfect.","start":839.015,"end":839.755,"sentiment":"neutral","sentiment_score":0.09241010434925556},{"text":"Mhmm.","start":857.635,"end":858.135,"sentiment":"neutral","sentiment_score":0.011378013528883455}],"sentiment":"neutral","sentiment_score":0.10018087814872463,"num_words":6,"start":826.695,"end":858.135},{"sentences":[{"text":"Yep.","start":860.915,"end":861.415,"sentiment":"neutral","sentiment_score":0.06076796352863312},{"text":"Yeah.","start":874.83,"end":875.33,"sentiment":"neutral","sentiment_score":0.023480091243982315},{"text":"Yeah.","start":875.47003,"end":875.79004,"sentiment":"neutral","sentiment_score":0.031115442514419556},{"text":"It's sort of a good rise before it dips, though.","start":875.79004,"end":877.73004,"sentiment":"neutral","sentiment_score":0.14938062354922294},{"text":"So nice.","start":879.79004,"end":880.45,"sentiment":"neutral","sentiment_score":0.29653528332710266}],"sentiment":"neutral","sentiment_score":0.14681601996223131,"num_words":15,"start":860.915,"end":880.45},{"sentences":[{"text":"Yeah.","start":884.03,"end":884.475,"sentiment":"neutral","sentiment_score":0.12933874130249023},{"text":"Yeah.","start":885.035,"end":885.535,"sentiment":"neutral","sentiment_score":0.04955422878265381},{"text":"Yep.","start":887.83496,"end":888.315,"sentiment":"neutral","sentiment_score":0.21977180242538452},{"text":"Nice.","start":888.315,"end":888.815,"sentiment":"positive","sentiment_score":0.3999147415161133},{"text":"Nah.","start":895.355,"end":895.595,"sentiment":"neutral","sentiment_score":0.08962114155292511}],"sentiment":"neutral","sentiment_score":0.1776401311159134,"num_words":5,"start":884.03,"end":895.595},{"sentences":[{"text":"That's all pretty much what I was expecting you to say, to be honest.","start":895.595,"end":898.15497,"sentiment":"neutral","sentiment_score":0.1768863339509283},{"text":"Yeah.","start":898.15497,"end":898.235,"sentiment":"neutral","sentiment_score":0.24568751454353333},{"text":"It's probably why I just stick with what we're doing.","start":898.235,"end":901.68,"sentiment":"neutral","sentiment_score":0.3181050255894661},{"text":"It seems to be good these days with you.","start":901.68,"end":904.18,"sentiment":"positive","sentiment_score":0.6029897928237915},{"text":"I don't think we've had a decent year where I felt certain about anything since pre COVID.","start":904.39996,"end":909.51996,"sentiment":"neutral","sentiment_score":0.07458040425006081}],"sentiment":"neutral","sentiment_score":0.24701806771404602,"num_words":51,"start":895.595,"end":909.51996},{"sentences":[{"text":"So it's at least I'm making money.","start":909.51996,"end":911.92,"sentiment":"neutral","sentiment_score":0.23409377570663178},{"text":"You know?","start":911.92,"end":912.24,"sentiment":"neutral","sentiment_score":0.07681513577699661},{"text":"So that's the we can ask for.","start":912.24,"end":922.5763,"sentiment":"neutral","sentiment_score":0.11281196134431022},{"text":"Yeah.","start":923.5781,"end":924.0781,"sentiment":"neutral","sentiment_score":-0.0007532518357038498},{"text":"Yeah.","start":929.08,"end":929.58,"sentiment":"neutral","sentiment_score":-0.016139667481184006}],"sentiment":"neutral","sentiment_score":0.14250430619964996,"num_words":18,"start":909.51996,"end":929.58},{"sentences":[{"text":"Yeah.","start":933.64,"end":934.14,"sentiment":"neutral","sentiment_score":0.042594656348228455},{"text":"Really does.","start":934.92004,"end":935.64,"sentiment":"neutral","sentiment_score":0.12456921488046646},{"text":"Yeah.","start":935.64,"end":936.14,"sentiment":"neutral","sentiment_score":0.19705089926719663},{"text":"I'm sure we'll get there.","start":936.36005,"end":937.66003,"sentiment":"neutral","sentiment_score":0.2435968965291977},{"text":"Yep.","start":940.955,"end":941.455,"sentiment":"neutral","sentiment_score":0.028733480721712112}],"sentiment":"neutral","sentiment_score":0.17355019487440587,"num_words":10,"start":933.64,"end":941.455},{"sentences":[{"text":"Mhmm.","start":949.115,"end":949.365,"sentiment":"neutral","sentiment_score":0.006511978339403868},{"text":"Mhmm.","start":949.365,"end":949.865,"sentiment":"neutral","sentiment_score":0.007640455849468708},{"text":"Yeah.","start":980.815,"end":980.895,"sentiment":"neutral","sentiment_score":0.10133546590805054},{"text":"Yep.","start":980.895,"end":981.395,"sentiment":"neutral","sentiment_score":0.14395645260810852},{"text":"No.","start":987.19,"end":987.69,"sentiment":"neutral","sentiment_score":-0.11226627230644226}],"sentiment":"neutral","sentiment_score":0.029435616079717876,"num_words":5,"start":949.115,"end":987.69},{"sentences":[{"text":"Yeah.","start":987.83,"end":988.15,"sentiment":"neutral","sentiment_score":-0.029148027300834656},{"text":"No.","start":988.15,"end":988.31,"sentiment":"neutral","sentiment_score":-0.1429954618215561},{"text":"It's fine.","start":988.31,"end":988.79004,"sentiment":"neutral","sentiment_score":0.050508981104940176},{"text":"I'll I'll look through that when you send it through.","start":988.79004,"end":990.63,"sentiment":"neutral","sentiment_score":0.08779984228312969},{"text":"And, no, that's like I said, that was pretty much expecting you to to say that's that's good.","start":990.63,"end":996.265,"sentiment":"neutral","sentiment_score":-0.19501001863843864}],"sentiment":"neutral","sentiment_score":-0.08447835748665966,"num_words":32,"start":987.83,"end":996.265},{"sentences":[{"text":"I it's you know, I that it wasn't bad news, so that's that's all I can hope for, really.","start":996.265,"end":1001.96497,"sentiment":"neutral","sentiment_score":0.044132250802297344},{"text":"Yeah.","start":1011.49,"end":1011.99,"sentiment":"neutral","sentiment_score":-0.025075625628232956},{"text":"Yep.","start":1019.97003,"end":1020.47003,"sentiment":"neutral","sentiment_score":0.021619629114866257},{"text":"Yeah.","start":1029.105,"end":1029.605,"sentiment":"neutral","sentiment_score":-0.0472588986158371},{"text":"Yep.","start":1030.7051,"end":1031.2051,"sentiment":"neutral","sentiment_score":-0.0423167496919632}],"sentiment":"neutral","sentiment_score":0.03241222262706445,"num_words":23,"start":996.265,"end":1031.2051},{"sentences":[{"text":"Yep.","start":1042.4299,"end":1042.75,"sentiment":"neutral","sentiment_score":0.02113206684589386},{"text":"Yep.","start":1042.75,"end":1043.25,"sentiment":"neutral","sentiment_score":0.04454970359802246},{"text":"That's right.","start":1043.7899,"end":1044.6699,"sentiment":"neutral","sentiment_score":0.0976453498005867},{"text":"Exactly right.","start":1044.6699,"end":1045.63,"sentiment":"neutral","sentiment_score":-0.0025074733421206474},{"text":"No.","start":1045.63,"end":1046.13,"sentiment":"neutral","sentiment_score":-0.08038023114204407}],"sentiment":"neutral","sentiment_score":0.025082470316972052,"num_words":7,"start":1042.4299,"end":1046.13},{"sentences":[{"text":"No.","start":1046.27,"end":1046.59,"sentiment":"neutral","sentiment_score":-0.04628194496035576},{"text":"Perfect, mate.","start":1046.59,"end":1047.15,"sentiment":"positive","sentiment_score":0.3810774087905884},{"text":"That sounds good.","start":1047.15,"end":1048.13,"sentiment":"positive","sentiment_score":0.5053724646568298},{"text":"Yeah.","start":1048.19,"end":1048.51,"sentiment":"neutral","sentiment_score":0.13818076252937317},{"text":"I'll just have a look through that when you send it through, and I'll I'll send through that.","start":1048.51,"end":1052.2899,"sentiment":"neutral","sentiment_score":0.07919919552902381}],"sentiment":"neutral","sentiment_score":0.1518302619457245,"num_words":25,"start":1046.27,"end":1052.2899},{"sentences":[{"text":"Got the documentation there to fill out for the mortgage thing there.","start":1053.8049,"end":1059.485,"sentiment":"neutral","sentiment_score":0.05014693488677343},{"text":"So I'll I'll I'll sort of that out sometime this week for you.","start":1059.485,"end":1062.3849,"sentiment":"neutral","sentiment_score":0.06446509922926243},{"text":"Send all that through updated.","start":1062.845,"end":1064.1449,"sentiment":"neutral","sentiment_score":0.0039336465299129484},{"text":"Yeah.","start":1071.98,"end":1072.3,"sentiment":"neutral","sentiment_score":0.17352458834648132},{"text":"That'd be great.","start":1072.3,"end":1072.78,"sentiment":"neutral","sentiment_score":0.31053483486175537}],"sentiment":"neutral","sentiment_score":0.07542961277067661,"num_words":34,"start":1053.8049,"end":1072.78},{"sentences":[{"text":"Yeah.","start":1072.78,"end":1073.02,"sentiment":"neutral","sentiment_score":0.11224646121263504},{"text":"If they just let me know, that's yeah.","start":1073.02,"end":1074.54,"sentiment":"neutral","sentiment_score":0.07957835681736469},{"text":"I'll just keep an eye on that thing, just see what's going on there.","start":1074.54,"end":1077.58,"sentiment":"neutral","sentiment_score":0.08373627891497952},{"text":"Well, I thought we'd fixed it before.","start":1077.58,"end":1078.86,"sentiment":"neutral","sentiment_score":-0.08274437061377934},{"text":"I think it was an issue, I don't know, on the OEM somehow, but and then it was working perfect, and then it's I don't know.","start":1078.86,"end":1085.615,"sentiment":"neutral","sentiment_score":-0.10058083843726379}],"sentiment":"neutral","sentiment_score":-0.022734485234000852,"num_words":56,"start":1072.78,"end":1085.615},{"sentences":[{"text":"It's one of them things that I try not to say.","start":1085.915,"end":1088.315,"sentiment":"neutral","sentiment_score":-0.1545376411893151},{"text":"That's you know?","start":1088.315,"end":1089.215,"sentiment":"neutral","sentiment_score":-0.06182501589258512},{"text":"I don't seem to be able to fix it.","start":1089.435,"end":1091.275,"sentiment":"neutral","sentiment_score":-0.2754402872588899},{"text":"So Yeah.","start":1091.275,"end":1103.11,"sentiment":"neutral","sentiment_score":-0.12130895256996155},{"text":"Yeah.","start":1103.11,"end":1103.61,"sentiment":"neutral","sentiment_score":-0.04277325421571731}],"sentiment":"neutral","sentiment_score":-0.17883626328637967,"num_words":26,"start":1085.915,"end":1103.61},{"sentences":[{"text":"Yep.","start":1105.4299,"end":1105.9299,"sentiment":"neutral","sentiment_score":-0.017323747277259827},{"text":"Which is yeah.","start":1106.07,"end":1106.71,"sentiment":"neutral","sentiment_score":-0.04664826144774755},{"text":"It's weird because it's a direct debit session regardless of the card, it's coming out of an account, not not a card as such.","start":1106.71,"end":1111.735,"sentiment":"neutral","sentiment_score":-0.12806165404617786},{"text":"But, yeah, it's no.","start":1111.735,"end":1113.495,"sentiment":"neutral","sentiment_score":-0.14946789294481277},{"text":"Well, yeah, just give them to run it through again at some stage.","start":1113.495,"end":1116.1349,"sentiment":"neutral","sentiment_score":-0.07601926217858608}],"sentiment":"neutral","sentiment_score":-0.10704156019621425,"num_words":45,"start":1105.4299,"end":1116.1349},{"sentences":[{"text":"Let's let me know when that'll be, and I'll just make sure it's it works this time.","start":1116.1349,"end":1121.0349,"sentiment":"neutral","sentiment_score":0.0189218707382679},{"text":"No.","start":1125.89,"end":1126.05,"sentiment":"neutral","sentiment_score":-0.12020190060138702},{"text":"That's that's everything, man.","start":1126.05,"end":1127.17,"sentiment":"neutral","sentiment_score":-0.018821104429662228},{"text":"You've you've been through it.","start":1127.17,"end":1128.21,"sentiment":"neutral","sentiment_score":0.10254349857568741},{"text":"And and if I do think of something, I'll I'll just shoot you a message.","start":1128.21,"end":1131.75,"sentiment":"neutral","sentiment_score":0.07656231224536895}],"sentiment":"neutral","sentiment_score":0.04255565859022595,"num_words":42,"start":1116.1349,"end":1131.75},{"sentences":[{"text":"Perfect.","start":1142.8151,"end":1143.3151,"sentiment":"positive","sentiment_score":0.8106006979942322},{"text":"Sounds great.","start":1143.375,"end":1143.855,"sentiment":"positive","sentiment_score":0.8520386517047882},{"text":"Alright.","start":1143.855,"end":1144.175,"sentiment":"positive","sentiment_score":0.5666667819023132},{"text":"Thanks for your time.","start":1144.175,"end":1145.155,"sentiment":"positive","sentiment_score":0.7165289968252182},{"text":"Alright.","start":1145.6951,"end":1146.175,"sentiment":"neutral","sentiment_score":0.28493398427963257}],"sentiment":"positive","sentiment_score":0.6924883060985141,"num_words":9,"start":1142.8151,"end":1146.175},{"sentences":[{"text":"See you.","start":1146.175,"end":1146.495,"sentiment":"positive","sentiment_score":0.35450364649295807},{"text":"Bye.","start":1146.495,"end":1146.995,"sentiment":"neutral","sentiment_score":-0.11294280737638474}],"sentiment":"neutral","sentiment_score":0.1986881618698438,"num_words":3,"start":1146.175,"end":1146.995}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Blake speaking.\n\nChannel 0: Good afternoon, Luke. It's Carl calling from OQ Financial. How are you today?\n\nChannel 1: Hey. Good. How are you? Thanks.\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for your statement advice this afternoon if you still got time.\n\nChannel 1: Yeah. That's fine. Yeah. I just\n\nChannel 0: Not\n\nChannel 1: had forgotten,\n\nChannel 0: a problem.\n\nChannel 1: but, yeah, it's good timing.\n\nChannel 0: Okay. Not a problem at all. If you're, like, obviously, quite a busy man. It's hard to get ahold of you a couple times. I can try and make it quite quick and then just, obviously, have a chance to go through it this afternoon and come back with any questions you might have as well.\n\nChannel 1: Yeah. Perfect. Sounds great. Thank you.\n\nChannel 0: Not a problem at all. So what I'll do is I'll just pass through security there with that name, date of birth, and current address. We'll get stuck into that one today.\n\nChannel 1: Yep. That's Luke. Andrew Range is 12 Of 78128 Brianna Court, Madribah.\n\nChannel 0: Perfect. Thank you for that one. And just before we jump into the actual statement of advice there, I do have here that the payment for your out of pocket cover did decline again. Would there be a reason for that one this time?\n\nChannel 1: No. That's it's just like a weird $10 payment or something, is it? Is that\n\nChannel 0: Yeah.\n\nChannel 1: the one or\n\nChannel 0: It's, like,\n\nChannel 1: is there something\n\nChannel 0: 12\n\nChannel 1: else?\n\nChannel 0: 12\n\nChannel 1: Yeah.\n\nChannel 0: dollars 44 just\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: don't\n\nChannel 0: the\n\nChannel 1: know\n\nChannel 0: out of\n\nChannel 1: that\n\nChannel 0: pocket\n\nChannel 1: I\n\nChannel 0: portion.\n\nChannel 1: I don't know why that always doesn't I I really don't know whether it's something to do with my bank thing as something weird or it just it's the only payment that ever seems to not work if it's such a small amount. I I don't understand why, but the only thing I can think of is I might have to change it to maybe try a different account. I've got, you know, two accounts, and I've always got money in them, but it doesn't seem to like that one for some reason.\n\nChannel 0: What I'll do, I'll let the team know that they can call up and rerequest that payment if you've got money in the account. And if it just keeps happening, yeah, we might just look at updating it there.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But I'll get them to get that sorted or at least get them to email you the date on when it's meant to come out just so you can keep an eye on it.\n\nChannel 1: Yeah.\n\nChannel 0: As far as everything else, though, in regards to any updates, has anything changed\n\nChannel 1: Sure.\n\nChannel 0: in obviously, in regards to the time since we last spoke here, your debt level for the mortgage maybe came down a little bit as far as, like, your your job and everything like that is largely unchanged in regards\n\nChannel 1: No.\n\nChannel 0: to your situation?\n\nChannel 1: It's still the same job. Yeah. Nothing's changed there. The mortgage has changed. I need to get all those details through to, I don't know, whoever rang me the other day just in regards to the the amount that we owe.\n\nWe borrowed some more money to do some more work around the house. So and I think the figure he gave me, I don't think that was accurate to begin with. So I need to dig into that and see how much is we actually owe on the mortgage\n\nChannel 0: So\n\nChannel 1: and\n\nChannel 0: I\n\nChannel 1: send\n\nChannel 0: had\n\nChannel 1: all\n\nChannel 0: it around\n\nChannel 1: that through\n\nChannel 0: the $2.50\n\nChannel 1: to\n\nChannel 0: mark,\n\nChannel 1: you. Yeah.\n\nChannel 0: but\n\nChannel 1: That\n\nChannel 0: obviously\n\nChannel 1: that's that that wouldn't have been right for a long time. That would have been, like, pre our original Reno, which was probably three years ago now. So I'm not sure how they never got updated, but,\n\nChannel 0: no.\n\nChannel 1: it's\n\nChannel 0: That's\n\nChannel 1: a lot more\n\nChannel 0: fabulous.\n\nChannel 1: than that. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: I'll just put I'll put more. So, obviously, the statement advice will have the $2.50 figure, but, like, obviously, it's not gonna affect the advice fees because it's mainly around those superannuation investments. So\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: that's more than fine. As long as nothing else has changed or anything like that, that's perfectly okay. Oh, yeah. Next time I touch base, I'll just make a note to touch on the the mortgage value,\n\nChannel 1: Yeah.\n\nChannel 0: but that's\n\nChannel 1: Sure.\n\nChannel 0: fine. So this would just be going out to your email there just in regards to the documents there today, and that'll be icworldranges@hotmail.com.\n\nChannel 1: Yeah. It's an LC, but, yeah, that's that's that's right.\n\nChannel 0: Oh, okay. I always, yeah, capitalize\n\nChannel 1: Yeah.\n\nChannel 0: it for some reason for an I when it's capitals and emails, but not a problem at all. That yeah. Perfect. So\n\nChannel 1: Yep.\n\nChannel 0: within regards to that one, you will just have the the statement of advice. It will come through your Otusign as opposed to, like, the DocuSign you've used previously. You'll also have a copy of the most up to date OQ Financial services guide and services guide.\n\nChannel 1: Yep.\n\nChannel 0: In regards to to that one and just the PDFs for your product that we're recommending that you do retain. So within regards to documents created for yourself, prepared by myself and the team as an authorized representative under OQ Financial, it was finalized on the February 9. Obviously, we just missed you a couple times with a few booking attempts. So it was valid\n\nChannel 1: Yeah.\n\nChannel 0: for the thirty days, and then it's valid for another thirty. After that, we're confirming your details. So since you've confirmed your details, that's more than fine. You've got, you know, until the April 9 there to be able to finalize it if you are happy with it and assign. As I said,\n\nChannel 1: Mhmm.\n\nChannel 0: it's quite a straightforward advice piece in terms of what what we were looking at. It was this superannuation really in regards to looking at adjusting the investment portfolio, giving you time on board and just doing a bit of a refresh. As\n\nChannel 1: Yep.\n\nChannel 0: far as the insurances are concerned, you're pretty happy with the level of cover you had and maintaining that. So it's limitedly scoped in just for the impact on long term, like, growth. As far as estate planning, budgeting, and debt, you are happy managing that all yourself. And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: with that, you feel like you have, like, adequate estate planning provisions with your will even though you're sort of unsure about the power of attorney, but your partner's apparently pretty onto it. So you're pretty confident in that one. Beneficiaries\n\nChannel 1: Yep.\n\nChannel 0: are up to date. That's fine. And then, obviously, you're happy paying down your mortgage debt. Obviously, that's changed a little bit, but still happy\n\nChannel 1: Yeah.\n\nChannel 0: managing that yourself. As\n\nChannel 1: Yep.\n\nChannel 0: far as limited advice forwarding, it's basically pertaining to the fact that we're only really providing advice on the superannuation side of things with this update.\n\nChannel 1: Yep.\n\nChannel 0: Within regards to the goals and everything on that, make sure they are that they are sort of the long term things and sort of what you're working towards that we sort of use as bit of the North Star and where you're sort of headed. But\n\nChannel 1: Mhmm.\n\nChannel 0: as far as the advice, quite straightforward with looking at retaining a Hub twenty four superannuation fund and just changing\n\nChannel 1: Yep.\n\nChannel 0: those underlying investments. In regards to page seven and eight there, you'll be able to see just your details in regards to that. Obviously, the main residence debt is probably a little bit different, so that's fine. We\n\nChannel 1: Mhmm.\n\nChannel 0: can provide you an\n\nChannel 1: Sure.\n\nChannel 0: updated copy once you sort of do provide those details, but other than that, it's not a huge deal. The next page over, you'll be able to see your insurance and that we covered for currently and the cost you do pay for those. Now\n\nChannel 1: Mhmm.\n\nChannel 0: the the risk profile, you did score growth, which is around that eighty twenty split of growth assets to defensive assets, and we're still recommending you keep in line with that just given your time to retirement level of risk you do wanna take on and how things are traveling. You're quite happy with it.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Now in regards to the change there, you'll be able to see the table on page 12 once you get a chance to look at that one. In regards to that, there is a change in balance because within regards to the changes of investment, there are some capital gains with the level of growth you have had since being onboard.\n\nChannel 1: Mhmm.\n\nChannel 0: Now within regards to the change, though, the investment fee there is, like, significantly lower than what it is currently with the change in reducing your level of exposure to the current investments that you do hold and with that removing that bend along that actively perform actively managed underperforming asset. So with the updated recommendation, you won't have active management moving forward. It will be more of an index passive approach, still using, like, a core and satellite. We're between the ETFs that you hold of, like, your main core versus, like, the strategic satellites to try and be in a little bit of sort of growth areas there that carry a bit more risk.\n\nChannel 1: Yep.\n\nChannel 0: But with that, you won't have those actively managed funds that are trying to pick and choose those winners, which obviously you've seen with that long, it didn't go too well, and you had quite a an active or quite a portion allocated to that. So you won't have that moving forward, which means your diversification will be a little bit better across the board as well in terms\n\nChannel 1: Sure.\n\nChannel 0: of that level of risk you do have.\n\nChannel 1: Yep.\n\nChannel 0: Now in regards to the adviser fee, given that you sort of pay a bit of capital gains and offset with some of the losses from Benelong, it will reduce the fee a little bit, gains and offset with some of the losses from Benelon, it will reduce the fee a little bit just because your balance is gonna dip for that slight bit, but, obviously, it's a percentage base. It depends on what it does moving forward. Now in regards to the recommended investment, the past performance is quite high considering compared to your current fund. Now, obviously, past performance is an indicative of future performance. So within regards to all projections is to be taken with a grain of salt.\n\nIt's basically just illustrated for the last five years replicated year on year for the next five, but, obviously, that's never gonna happen. I don't know what\n\nChannel 1: Yeah.\n\nChannel 0: Trump's gonna do tomorrow, let alone what he's gonna tweet tonight.\n\nChannel 1: Yeah. I'll tell you. I thought this year was gonna be my year, but I had other plans. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: So, unfortunately, the war in Iran is not only causing havoc with everyone super in the market, it's also causing havoc\n\nChannel 1: Yeah.\n\nChannel 0: with just the holidays for Easter, unfortunately, with the fuel prices at the moment. But in in saying that, there's not too much we can do. America sneezes. We all catch a cold, so it's a bit\n\nChannel 1: Yeah.\n\nChannel 0: unfortunate\n\nChannel 1: That's\n\nChannel 0: in that sense.\n\nChannel 1: exactly right. Yeah. Yep.\n\nChannel 0: But as as far as the recommendations, I'd say quite straightforward in the sense that we're looking at just changing those investments. The key in that one is you will remove that active component. So you won't have the ability to try and outperform the markets, but given how the markets have been performing at least over the past five years, they have been performing quite well, and it comes at a very low cost compared to what you're currently paying in regards to those investments, which means that all goes back into reinvesting. And\n\nChannel 1: Yeah. Yep.\n\nChannel 0: given you we're pretty happy to not take on sort of more risk given what your balance is. You just kinda want that steady growth and index sort of driven approach there over a long term period has been shown to sort of even outperform those managed funds as well with those sort of bad performing years like we've been long.\n\nChannel 1: Yeah. Yep. Yep. That sounds\n\nChannel 0: Obvious\n\nChannel 1: good.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. There was there was a a point there where I thought maybe I should start to become a bit more aggressive, but then this year happened, and I was like, okay. Now I'll just I'll just keep on keeping on. I think this is so unpredictable these days with\n\nChannel 0: Yeah. And\n\nChannel 1: everything.\n\nChannel 0: obviously, like, if you like, having even just 80% growth assets, you wanna sort of still hold long term. In\n\nChannel 1: Yeah.\n\nChannel 0: regards to that, at the moment, there's a bit of a dip. So you're selling low, buying low. That's fine. Obviously, in regards to Benelung and what happened with that, it was quite significant, and it was something outside of just the markets as well. Now with that, if they had more consumer confidence in that moving forward, you'd probably look to retain it and try and get the the growth back out of it, wait for the rebound.\n\nBut just with the way they're going and the way they performed over the past three years prior to that as well, the\n\nChannel 1: Yep.\n\nChannel 0: investment committee just wants to move away from that managed fund altogether. Even if, like,\n\nChannel 1: Yeah.\n\nChannel 0: you were to have active management, they wouldn't sort of recommend or I wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: recommend sort of staying with Benelong. It's kind of a bit of a cut your losses and move on\n\nChannel 1: Yeah.\n\nChannel 0: to something\n\nChannel 1: Move on.\n\nChannel 0: better.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No. Of\n\nChannel 0: A little bit.\n\nChannel 1: course.\n\nChannel 0: Obviously, yeah, the the market's down and with the changes as well, there is the slight risk that, you know, with our topsy-turvy, the markets are for the portion of your portfolio that is selling to cash and changing that if the markets were to sort of rebound at some point during that, you're obviously buying a little bit higher. But also if they take a bit of a dip wire in cash, you get a bit of a a discount, which is good as well. But that is the risk with how volatile it is with those swings that you might sort of forego a little bit of growth or might actually get a bit of a lower cost price at the end of the day.\n\nChannel 1: Yep. Yep. No. That's understandable.\n\nChannel 0: Yep. But with the, you know, the more passive investment style, not to say that you can't sort of change it up in the future as well. It's just sort of during these sort of times, it's really hard to sort of pick and choose those winners. It's great if you're sort of able to and you sort of out on the market considerably. But\n\nChannel 1: Yeah.\n\nChannel 0: at the moment, there seems to be a lot more losers than than winners with the picking just with everything going up.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So at least if you're tracking the markets, you're tracking, you know, the top 200, top 500 companies in the market and what they're doing, which means that you're just performing as well as they can. Whereas if you wanna pick and choose those winners, much like what Benelon tried to do, sometimes you come out on the bottom there as well, and you're paying a high cost for that as well.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Yeah. And,\n\nChannel 1: Yep.\n\nChannel 0: statistically, it has been sort of shown that passively over a longer term period does sort of work out,\n\nChannel 1: File.\n\nChannel 0: yeah, in the long run if you're not sort of paying too much more attention to it or sort of regularly reviewing those actively managed funds because they can do a 60 plus year or they can do a negative 30 plus year. So it's\n\nChannel 1: Yeah.\n\nChannel 0: like it's a bit of a\n\nChannel 1: Yep.\n\nChannel 0: double edged sword with that.\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: Obviously, the advantage is it's lower cost. It's in line with your risk profile. You You still have the same allocation of growth assets. You just\n\nChannel 1: Yep.\n\nChannel 0: don't have that manager risk, and\n\nChannel 1: Yeah.\n\nChannel 0: you'll remain a client at Oakview Financial and still receive all the the services you're currently receiving there.\n\nChannel 1: Yep.\n\nChannel 0: The big disadvantage is it's around 3,800 in regards to the CGT liability in regards to that. But in saying that a lot of that was offset, it would have been higher from that been a long loss. So it does mean that when you're paying CGT, it does mean you're making money, unfortunately. So but it's better\n\nChannel 1: Yep.\n\nChannel 0: than the opposite of not paying any and not making any\n\nChannel 1: And not\n\nChannel 0: sort\n\nChannel 1: making\n\nChannel 0: of\n\nChannel 1: any\n\nChannel 0: gain.\n\nChannel 1: money. Yeah.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: Yeah. Yep. Yeah. Gotta spend at the market.\n\nChannel 0: Exactly. And\n\nChannel 1: Yep.\n\nChannel 0: then, obviously, with the change moving forward, it's sort of that more passive, longer term approach, getting a bit more of exposure in Europe compared to what you're currently in, still having an allocation there to the cybersecurity side of things, just a rebalance there. And then within regards to the the main key portions, you will have a key portion in the Australian two hundred, which is your sort of Australian equity as opposed from the Benelung that you currently hold, and then you'll still\n\nChannel 1: Mhmm.\n\nChannel 0: hold a key holding in the S and P five hundred. And then the investments around that will just be, as I said, the satellite sort of approaches apart from, like, your defensive assets that sort of go to those sort of smaller areas where it seem to have some future growth, but obviously not as much confidence as, like, The US and Australian market allocation.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: No. That all\n\nChannel 0: Obviously,\n\nChannel 1: sounds pretty good.\n\nChannel 0: yeah, we did consider maintaining the active management, which is due to the high cost in the past performance of a few of the funds at the moment, especially\n\nChannel 1: Yeah.\n\nChannel 0: the areas where it was going to. We just sort of thought the passive approach would be better off, especially with your like a have, like, a version two risk there. But in saying that it can be changed in future,\n\nChannel 1: Yeah.\n\nChannel 0: you'll still have that call moving forward. And then if you wanna sort of change up a few of the satellites, that is an opportunity at a later date as well if the market sort of turnaround a bit.\n\nChannel 1: Yep.\n\nChannel 0: On\n\nChannel 1: Yep.\n\nChannel 0: page\n\nChannel 1: Not\n\nChannel 0: 17,\n\nChannel 1: perfect.\n\nChannel 0: you'll be able to see the allocation to that one. So you will have slightly less allocation to growth assets compared to what you've currently got and slightly more to the defensive side of things. But in in saying that as well, the alternative asset you do hold is gold, which can be considered mainly a bit more growth at the moment, which has bumped you up as opposed\n\nChannel 1: Mhmm.\n\nChannel 0: to sitting in the defensive side of things.\n\nChannel 1: Yep.\n\nChannel 0: So you could probably look to have that a little bit higher, but in saying that at the the moment there, we're just an alternative asset, but a bit more of a growth with the way gold has been performing even though it has taken a little bit of a dip.\n\nChannel 1: Yeah. Yeah. It's sort of a good rise before it dips, though.\n\nChannel 0: Yeah. Considering\n\nChannel 1: So nice.\n\nChannel 0: you've held it for the the few years that it's been taking that, you know, nice big\n\nChannel 1: Yeah.\n\nChannel 0: jump, it's\n\nChannel 1: Yeah.\n\nChannel 0: sort of just a bit of a market correction.\n\nChannel 1: Yep. Nice.\n\nChannel 0: Now in regards to that, is there any questions in regards to that at all?\n\nChannel 1: Nah. That's all pretty much what I was expecting you to say, to be honest. Yeah. It's probably why I just stick with what we're doing. It seems to be good these days with you.\n\nI don't think we've had a decent year where I felt certain about anything since pre COVID. So it's at least I'm making money. You know? So that's\n\nChannel 0: Yeah. So it is\n\nChannel 1: the\n\nChannel 0: still rising, obviously, trying to get it moving a bit\n\nChannel 1: we\n\nChannel 0: higher in the right direction following\n\nChannel 1: can\n\nChannel 0: that COVID period where it did take\n\nChannel 1: ask\n\nChannel 0: a little bit of a a dive.\n\nChannel 1: for.\n\nChannel 0: And, obviously, this year\n\nChannel 1: Yeah.\n\nChannel 0: was obviously not too fantastic with the tariff talk. It was a bit of a dip, and that recovered. And then, obviously, the war in Iran has taken another\n\nChannel 1: Yeah.\n\nChannel 0: bit of a dip. So just seems a bit like one after the other at the moment, but in\n\nChannel 1: Yeah.\n\nChannel 0: saying that\n\nChannel 1: Really does. Yeah. I'm sure we'll get there.\n\nChannel 0: it's still still moving moving up, which is the main thing.\n\nChannel 1: Yep.\n\nChannel 0: As far as the adviser fee, it will still be the 1.1% given your partners on board and then 22% of your ClearView premium, which you can see on page 22 there.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: And then within regards to the financial impact from your insurances, you can just say on page 19 what that looks like if you had no insurance versus the current situation versus the recommended. Now, obviously, you know, we don't really normally like to sort of project as far out as the the ten years, especially with your time to retirement and things like that. Obviously, you've got a nice healthy balance. Hopefully, it continues to grow. But, to say, you know, you're gonna end up with, like, you know, over $1,000,000 in your super by the time you retire and things like that, you never know with the market.\n\nSo it's just a bit of an illustration at that point\n\nChannel 1: Yeah. Yep.\n\nChannel 0: just to to show you. But do you have any questions in regards to that? Obviously, it's quite a brief overview there, but I'm mindful of your time.\n\nChannel 1: No. Yeah. No. It's fine. I'll I'll look through that when you send it through.\n\nAnd, no, that's like I said, that was pretty much expecting you to to say that's that's good. I it's you know, I that it wasn't bad news, so that's that's all I can hope for, really.\n\nChannel 0: Yeah. So hopefully with the update, you just get nice steady growth moving forward, and you'll eliminate that majority holding to that Ben Long, which obviously\n\nChannel 1: Yeah.\n\nChannel 0: hasn't been performing too great. And it was quite a massive well, 20% of your your holding over close to 25 before it took the dip in regards\n\nChannel 1: Yep.\n\nChannel 0: to that. So quite a heavy weighting and and actively managed portfolio. And if it turns out well, it turns out great, but you do get the opposite up to this end of the coin as well, whether you do get\n\nChannel 1: Yeah.\n\nChannel 0: those years.\n\nChannel 1: Yep.\n\nChannel 0: But if you're following the indexes and you have a a bad year, it means the majority of people are having somewhat of a bad year because those are all those top performing companies in those areas and through those exchange traded funds.\n\nChannel 1: Yep. Yep. That's right. Exactly\n\nChannel 0: No.\n\nChannel 1: right. No. No. Perfect, mate. That sounds good.\n\nYeah. I'll just have a look through that when you send it through, and I'll I'll send through that. Got the documentation there to fill out for the mortgage thing there. So I'll I'll I'll sort of that out sometime this week for you. Send\n\nChannel 0: Not\n\nChannel 1: all\n\nChannel 0: a problem\n\nChannel 1: that through\n\nChannel 0: at all.\n\nChannel 1: updated.\n\nChannel 0: Great. That'd be great. Yeah. Just shoot us an email, let the team know to try that payment again or at least email you when that will be coming through.\n\nChannel 1: Yeah. That'd be great. Yeah. If they just let me know, that's yeah. I'll just keep an eye on that thing, just see what's going on there.\n\nWell, I thought we'd fixed it before. I think it was an issue, I don't know, on\n\nChannel 0: Yeah.\n\nChannel 1: the OEM somehow, but and then it was working perfect, and then it's I don't know. It's one of them things that I try not to say. That's you know?\n\nChannel 0: Yeah.\n\nChannel 1: I don't seem to be able\n\nChannel 0: I\n\nChannel 1: to fix it. So\n\nChannel 0: I believe the last time we spoke to you, the card details were expired or something like that. And then we got that sorted, and I haven't heard about it much. And then, yeah, I was informed that it sort of was outstanding again\n\nChannel 1: Yeah.\n\nChannel 0: before\n\nChannel 1: Yeah.\n\nChannel 0: going on this call. So\n\nChannel 1: Yep. Which is yeah. It's weird because it's a direct debit session regardless of the card, it's coming out of an account, not not a card as such. But, yeah, it's no. Well, yeah, just give them to run it through again at some stage.\n\nLet's let me know when that'll be, and I'll just make sure it's it works this time.\n\nChannel 0: No problem at all, Luke. Do you have any other questions for me before I let you go through this afternoon?\n\nChannel 1: No. That's that's everything, man. You've you've been through it. And and if I do think of something, I'll I'll just shoot you a message.\n\nChannel 0: Too easy. Should have that Odoo in your inbox here. I'll have the attachments in the link there if you were happy to sign everything at the end of the day for that update. But otherwise, I'll let you get back to it, and just let us know if you have any questions.\n\nChannel 1: Perfect. Sounds great. Alright. Thanks\n\nChannel 0: Too\n\nChannel 1: for\n\nChannel 0: easy,\n\nChannel 1: your time.\n\nChannel 0: mate. Thanks. Bye.\n\nChannel 1: Alright. See you. Bye.","paragraphs":[{"sentences":[{"text":"Blake speaking.","start":0.39999998,"end":2.82,"sentiment":"neutral","sentiment_score":0.021539738401770592}],"sentiment":"neutral","sentiment_score":0.021539738401770592,"channel":1,"num_words":2,"start":0.39999998,"end":2.82},{"sentences":[{"text":"Good afternoon, Luke.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.30028972029685974},{"text":"It's Carl calling from OQ Financial.","start":3.84,"end":5.2,"sentiment":"neutral","sentiment_score":0.2539549842476845},{"text":"How are you today?","start":5.2,"end":6.1,"sentiment":"neutral","sentiment_score":0.24609296768903732}],"sentiment":"neutral","sentiment_score":0.2622285336256027,"channel":0,"num_words":13,"start":3.04,"end":6.1},{"sentences":[{"text":"Hey.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.19071972370147705},{"text":"Good.","start":6.48,"end":6.72,"sentiment":"neutral","sentiment_score":0.3048892021179199},{"text":"How are you?","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.2224202106396357},{"text":"Thanks.","start":7.12,"end":7.62,"sentiment":"positive","sentiment_score":0.4703460931777954}],"sentiment":"neutral","sentiment_score":0.2722026084860166,"channel":1,"num_words":6,"start":6.16,"end":7.62},{"sentences":[{"text":"Yeah.","start":7.7599998,"end":8.24,"sentiment":"neutral","sentiment_score":0.2627596855163574},{"text":"Not too bad at all.","start":8.24,"end":9.12,"sentiment":"positive","sentiment_score":0.3792320370674133},{"text":"Thanks for asking.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.6571504871050516},{"text":"I just scheduled in for your statement advice this afternoon if you still got time.","start":9.679999,"end":12.885,"sentiment":"neutral","sentiment_score":0.28620664874712626}],"sentiment":"positive","sentiment_score":0.35097796097397804,"channel":0,"num_words":24,"start":7.7599998,"end":12.885},{"sentences":[{"text":"Yeah.","start":13.12,"end":13.44,"sentiment":"neutral","sentiment_score":0.21558746695518496},{"text":"That's fine.","start":13.44,"end":13.92,"sentiment":"neutral","sentiment_score":0.2663799226284027},{"text":"Yeah.","start":13.92,"end":14.265,"sentiment":"neutral","sentiment_score":0.18107017874717712},{"text":"I just","start":14.745,"end":15.065001,"sentiment":"neutral","sentiment_score":0.1072590984404087}],"sentiment":"neutral","sentiment_score":0.19065594797333082,"channel":1,"num_words":6,"start":13.12,"end":15.065001},{"sentences":[{"text":"Not","start":15.045,"end":15.285,"sentiment":"neutral","sentiment_score":0.08564373105764389}],"sentiment":"neutral","sentiment_score":0.08564373105764389,"channel":0,"num_words":1,"start":15.045,"end":15.285},{"sentences":[{"text":"had forgotten,","start":15.065001,"end":15.625,"sentiment":"neutral","sentiment_score":0.04197405092418194}],"sentiment":"neutral","sentiment_score":0.04197405092418194,"channel":1,"num_words":2,"start":15.065001,"end":15.625},{"sentences":[{"text":"a problem.","start":15.285,"end":15.865,"sentiment":"neutral","sentiment_score":0.029289983212947845}],"sentiment":"neutral","sentiment_score":0.029289983212947845,"channel":0,"num_words":2,"start":15.285,"end":15.865},{"sentences":[{"text":"but, yeah, it's good timing.","start":15.625,"end":16.605,"sentiment":"neutral","sentiment_score":0.25653071105480196}],"sentiment":"neutral","sentiment_score":0.25653071105480196,"channel":1,"num_words":5,"start":15.625,"end":16.605},{"sentences":[{"text":"Okay.","start":17.125,"end":17.525,"sentiment":"neutral","sentiment_score":0.1421929895877838},{"text":"Not a problem at all.","start":17.525,"end":18.665,"sentiment":"neutral","sentiment_score":0.07650760859251023},{"text":"If you're, like, obviously, quite a busy man.","start":19.125,"end":20.965,"sentiment":"neutral","sentiment_score":-0.06311669200658798},{"text":"It's hard to get ahold of you a couple times.","start":20.965,"end":22.485,"sentiment":"neutral","sentiment_score":-0.05129571575671434},{"text":"I can try and make it quite quick and then just, obviously, have a chance to go through it this afternoon and come back with any questions you might have as well.","start":22.485,"end":27.99,"sentiment":"neutral","sentiment_score":0.12714234343729913}],"sentiment":"neutral","sentiment_score":0.0638463451593582,"channel":0,"num_words":56,"start":17.125,"end":27.99},{"sentences":[{"text":"Yeah.","start":28.185001,"end":28.505001,"sentiment":"neutral","sentiment_score":0.18595844507217407},{"text":"Perfect.","start":28.505001,"end":28.825,"sentiment":"positive","sentiment_score":0.4654127061367035},{"text":"Sounds great.","start":28.825,"end":29.385,"sentiment":"positive","sentiment_score":0.5852398574352264},{"text":"Thank you.","start":29.385,"end":29.88,"sentiment":"positive","sentiment_score":0.6129047870635986}],"sentiment":"positive","sentiment_score":0.507943406701088,"channel":1,"num_words":6,"start":28.185001,"end":29.88},{"sentences":[{"text":"Not a problem at all.","start":30.39,"end":31.85,"sentiment":"neutral","sentiment_score":0.20427893698215485},{"text":"So what I'll do is I'll just pass through security there with that name, date of birth, and current address.","start":32.07,"end":35.43,"sentiment":"neutral","sentiment_score":0.1386064626276493},{"text":"We'll get stuck into that one today.","start":35.43,"end":37.05,"sentiment":"neutral","sentiment_score":0.13974769626344954}],"sentiment":"neutral","sentiment_score":0.1491174316033721,"channel":0,"num_words":32,"start":30.39,"end":37.05},{"sentences":[{"text":"Yep.","start":37.239998,"end":37.719997,"sentiment":"neutral","sentiment_score":0.0648057609796524},{"text":"That's Luke.","start":37.719997,"end":38.76,"sentiment":"neutral","sentiment_score":0.041184136644005775},{"text":"Andrew Range is 12 Of 78128 Brianna Court, Madribah.","start":38.76,"end":42.3,"sentiment":"neutral","sentiment_score":0.04387608336077796}],"sentiment":"neutral","sentiment_score":0.045171565376222134,"channel":1,"num_words":12,"start":37.239998,"end":42.3},{"sentences":[{"text":"Perfect.","start":43.765,"end":44.245003,"sentiment":"positive","sentiment_score":0.4127785563468933},{"text":"Thank you for that one.","start":44.245003,"end":45.465,"sentiment":"positive","sentiment_score":0.47991599440574645},{"text":"And just before we jump into the actual statement of advice there, I do have here that the payment for your out of pocket cover did decline again.","start":45.685,"end":55.03,"sentiment":"neutral","sentiment_score":-0.1514406709798745},{"text":"Would there be a reason for that one this time?","start":55.03,"end":57.61,"sentiment":"neutral","sentiment_score":-0.2012877121567726}],"sentiment":"neutral","sentiment_score":-0.07820130410519513,"channel":0,"num_words":44,"start":43.765,"end":57.61},{"sentences":[{"text":"No.","start":57.829998,"end":58.329998,"sentiment":"neutral","sentiment_score":-0.20284809172153473},{"text":"That's it's just like a weird $10 payment or something, is it?","start":58.39,"end":61.21,"sentiment":"neutral","sentiment_score":-0.2032237065335115},{"text":"Is that","start":61.67,"end":62.149998,"sentiment":"neutral","sentiment_score":-0.05545280501246452}],"sentiment":"neutral","sentiment_score":-0.18349587867657344,"channel":1,"num_words":15,"start":57.829998,"end":62.149998},{"sentences":[{"text":"Yeah.","start":62.07,"end":62.39,"sentiment":"neutral","sentiment_score":-0.05709145963191986}],"sentiment":"neutral","sentiment_score":-0.05709145963191986,"channel":0,"num_words":1,"start":62.07,"end":62.39},{"sentences":[{"text":"the one 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stage.","start":1113.495,"end":1116.1349,"sentiment":"neutral","sentiment_score":-0.07601926217858608}],"sentiment":"neutral","sentiment_score":-0.10704156019621425,"channel":1,"num_words":45,"start":1105.4299,"end":1116.1349},{"sentences":[{"text":"Let's let me know when that'll be, and I'll just make sure it's it works this time.","start":1116.1349,"end":1121.0349,"sentiment":"neutral","sentiment_score":0.0189218707382679}],"sentiment":"neutral","sentiment_score":0.0189218707382679,"channel":1,"num_words":17,"start":1116.1349,"end":1121.0349},{"sentences":[{"text":"No problem at all, Luke.","start":1121.29,"end":1122.25,"sentiment":"positive","sentiment_score":0.5084200203418732},{"text":"Do you have any other questions for me before I let you go through this afternoon?","start":1122.25,"end":1125.23,"sentiment":"neutral","sentiment_score":0.08867491804994643}],"sentiment":"neutral","sentiment_score":0.1886142281194528,"channel":0,"num_words":21,"start":1121.29,"end":1125.23},{"sentences":[{"text":"No.","start":1125.89,"end":1126.05,"sentiment":"neutral","sentiment_score":-0.12020190060138702},{"text":"That's that's everything, man.","start":1126.05,"end":1127.17,"sentiment":"neutral","sentiment_score":-0.018821104429662228},{"text":"You've you've been through it.","start":1127.17,"end":1128.21,"sentiment":"neutral","sentiment_score":0.10254349857568741},{"text":"And and if I do think of something, I'll I'll just shoot you a message.","start":1128.21,"end":1131.75,"sentiment":"neutral","sentiment_score":0.07656231224536895}],"sentiment":"neutral","sentiment_score":0.05862663432955742,"channel":1,"num_words":25,"start":1125.89,"end":1131.75},{"sentences":[{"text":"Too easy.","start":1132.25,"end":1132.91,"sentiment":"neutral","sentiment_score":0.14386438205838203},{"text":"Should have that Odoo in your inbox here.","start":1133.015,"end":1135.255,"sentiment":"neutral","sentiment_score":0.22746183909475803},{"text":"I'll have the attachments in the link there if you were happy to sign everything at the end of the day for that update.","start":1135.255,"end":1139.015,"sentiment":"neutral","sentiment_score":0.19140566078325114},{"text":"But otherwise, I'll let you get back to it, and just let us know if you have any questions.","start":1139.015,"end":1142.3151,"sentiment":"neutral","sentiment_score":0.21686058530682012}],"sentiment":"neutral","sentiment_score":0.20417944257551768,"channel":0,"num_words":53,"start":1132.25,"end":1142.3151},{"sentences":[{"text":"Perfect.","start":1142.8151,"end":1143.3151,"sentiment":"positive","sentiment_score":0.8106006979942322},{"text":"Sounds great.","start":1143.375,"end":1143.855,"sentiment":"positive","sentiment_score":0.8520386517047882},{"text":"Alright.","start":1143.855,"end":1144.175,"sentiment":"positive","sentiment_score":0.5666667819023132},{"text":"Thanks","start":1144.175,"end":1144.415,"sentiment":"positive","sentiment_score":0.7154979705810547}],"sentiment":"positive","sentiment_score":0.7593685507774353,"channel":1,"num_words":5,"start":1142.8151,"end":1144.415},{"sentences":[{"text":"Too","start":1144.295,"end":1144.535,"sentiment":"positive","sentiment_score":0.6239973306655884}],"sentiment":"positive","sentiment_score":0.6239973306655884,"channel":0,"num_words":1,"start":1144.295,"end":1144.535},{"sentences":[{"text":"for","start":1144.415,"end":1144.5751,"sentiment":"positive","sentiment_score":0.7524718642234802}],"sentiment":"positive","sentiment_score":0.7524718642234802,"channel":1,"num_words":1,"start":1144.415,"end":1144.5751},{"sentences":[{"text":"easy,","start":1144.535,"end":1144.775,"sentiment":"positive","sentiment_score":0.7101054191589355}],"sentiment":"positive","sentiment_score":0.7101054191589355,"channel":0,"num_words":1,"start":1144.535,"end":1144.775},{"sentences":[{"text":"your time.","start":1144.5751,"end":1145.155,"sentiment":"positive","sentiment_score":0.699073076248169}],"sentiment":"positive","sentiment_score":0.699073076248169,"channel":1,"num_words":2,"start":1144.5751,"end":1145.155},{"sentences":[{"text":"mate.","start":1144.775,"end":1145.0951,"sentiment":"positive","sentiment_score":0.3619016110897064},{"text":"Thanks.","start":1145.0951,"end":1145.5951,"sentiment":"positive","sentiment_score":0.6235291957855225},{"text":"Bye.","start":1145.655,"end":1146.155,"sentiment":"positive","sentiment_score":0.3640871047973633}],"sentiment":"positive","sentiment_score":0.4498393038908641,"channel":0,"num_words":3,"start":1144.775,"end":1146.155},{"sentences":[{"text":"Alright.","start":1145.6951,"end":1146.175,"sentiment":"neutral","sentiment_score":0.28493398427963257},{"text":"See you.","start":1146.175,"end":1146.495,"sentiment":"positive","sentiment_score":0.35450364649295807},{"text":"Bye.","start":1146.495,"end":1146.995,"sentiment":"neutral","sentiment_score":-0.11294280737638474}],"sentiment":"neutral","sentiment_score":0.220249617472291,"channel":1,"num_words":4,"start":1145.6951,"end":1146.995}]},"summary":{"result":"success","short":"Representatives from OQ Financial and an adviser addressed Luke's statement advice and mortgage concerns. They discussed updating payment and updating information, as well as risk management and estate planning provisions. The speaker emphasized the importance of maintaining a certain amount of money in case of changes and addressed the risks of Trump's war in Iran and the uncertainty of the economy. They also discussed growth assets and the importance of maintaining a healthy balance. The speaker emphasized the need for steady growth in the market and provided advice on maintaining active management and changing the allocation of growth assets."},"intents":{"segments":[{"text":"I just scheduled in for your statement advice this afternoon if you still got time. Yeah.","start_word":30,"end_word":45,"intents":[{"intent":"Obtain statement advice","confidence_score":0.0004359667}]},{"text":"Not a problem at all. So what I'll do is I'll just pass through security there with that name, date of birth, and current address. We'll get stuck into that one today. Yep.","start_word":123,"end_word":155,"intents":[{"intent":"Pass through security","confidence_score":0.7868962}]},{"text":"And just before we jump into the actual statement of advice there, I do have here that the payment for your out of pocket cover did decline again. Would there be a reason for that one this time? No.","start_word":173,"end_word":211,"intents":[{"intent":"Resolve payment issue","confidence_score":0.06443727}]},{"text":"I've got, you know, two accounts, and I've always got money in them, but it doesn't seem to like that one for some reason.","start_word":322,"end_word":345,"intents":[{"intent":"Consider other accounts","confidence_score":0.00087091536}]},{"text":"What I'll do, I'll let the team know that they can call up and rerequest that payment if you've got money in the account. And if it just keeps happening, yeah, we might just look at updating it there. Yeah.","start_word":347,"end_word":386,"intents":[{"intent":"Update payments","confidence_score":0.0027057647}]},{"text":"So within regards to documents created for yourself, prepared by myself and the team as an authorized representative under OQ Financial, it was finalized on the February 9. Obviously, we just missed you a couple times with a few booking attempts. So it was valid Yeah.","start_word":849,"end_word":894,"intents":[{"intent":"Finalize documents","confidence_score":0.03227794}]},{"text":"for the thirty days, and then it's valid for another thirty. After that, we're confirming your details. So since you've confirmed your details, that's more than fine. You've got, you know, until the April 9 there to be able to finalize it if you are happy with it and assign.","start_word":895,"end_word":944,"intents":[{"intent":"Confirm details","confidence_score":0.1488282}]},{"text":"It was this superannuation really in regards to looking at adjusting the investment portfolio, giving you time on board and just doing a bit of a refresh. As Yep.","start_word":964,"end_word":992,"intents":[{"intent":"Adjust portfolio","confidence_score":0.4153179}]},{"text":"far as the insurances are concerned, you're pretty happy with the level of cover you had and maintaining that. So it's limitedly scoped in just for the impact on long term, like, growth.","start_word":993,"end_word":1025,"intents":[{"intent":"Discuss impact on growth","confidence_score":0.0801013}]},{"text":"As far as estate planning, budgeting, and debt, you are happy managing that all yourself. And Yep.","start_word":1027,"end_word":1043,"intents":[{"intent":"Address estate planning and debt management","confidence_score":0.0007383769}]},{"text":"And then, obviously, you're happy paying down your mortgage debt. Obviously, that's changed a little bit, but still happy Yeah. managing that yourself.","start_word":1093,"end_word":1115,"intents":[{"intent":"Identify personal debt items","confidence_score":7.7457923e-10}]},{"text":"Within regards to the goals and everything on that, make sure they are that they are sort of the long term things and sort of what you're working towards that we sort of use as bit of the North Star and where you're sort of headed. But Mhmm.","start_word":1145,"end_word":1192,"intents":[{"intent":"Ensure adherence to goals","confidence_score":0.000065788096}]},{"text":"updated copy once you sort of do provide those details, but other than that, it's not a huge deal. The next page over, you'll be able to see your insurance and that we covered for currently and the cost you do pay for those. Now Mhmm.","start_word":1258,"end_word":1303,"intents":[{"intent":"Provide update on investments and insurance coverage","confidence_score":0.0022067933}]},{"text":"Now in regards to the change there, you'll be able to see the table on page 12 once you get a chance to look at that one. In regards to that, there is a change in balance because within regards to the changes of investment, there are some capital gains with the level of growth you have had since being onboard.","start_word":1362,"end_word":1422,"intents":[{"intent":"Discuss investments and portfolio performance","confidence_score":0.00053831504}]},{"text":"Now within regards to the change, though, the investment fee there is, like, significantly lower than what it is currently with the change in reducing your level of exposure to the current investments that you do hold and with that removing that bend along that actively perform actively managed underperforming asset.","start_word":1423,"end_word":1473,"intents":[{"intent":"Discuss investment fee balance","confidence_score":0.0036176336},{"intent":"Discuss investment fees","confidence_score":0.0070300708},{"intent":"Discuss investment fees","confidence_score":0.056953937}]},{"text":"But with that, you won't have those actively managed funds that are trying to pick and choose those winners, which obviously you've seen with that long, it didn't go too well, and you had quite a an active or quite a portion allocated to that. So you won't have that moving forward, which means your diversification will be a little bit better across the board as well in terms Sure.","start_word":1540,"end_word":1609,"intents":[{"intent":"Discuss portfolio diversification plan","confidence_score":0.00002633296}]},{"text":"Now in regards to the recommended investment, the past performance is quite high considering compared to your current fund.","start_word":1697,"end_word":1715,"intents":[{"intent":"Discuss potential performance","confidence_score":0.0027630657}]},{"text":"The key in that one is you will remove that active component. So you won't have the ability to try and outperform the markets, but given how the markets have been performing at least over the past five years, they have been performing quite well, and it comes at a very low cost compared to what you're currently paying in regards to those investments, which means that all goes back into reinvesting. And Yeah.","start_word":1892,"end_word":1965,"intents":[{"intent":"Evaluate market reinvestment","confidence_score":0.00026115967}]},{"text":"obviously, like, if you like, having even just 80% growth assets, you wanna sort of still hold long term. In Yeah.","start_word":2090,"end_word":2110,"intents":[{"intent":"Hold long term","confidence_score":0.050427776}]},{"text":"Now with that, if they had more consumer confidence in that moving forward, you'd probably look to retain it and try and get the the growth back out of it, wait for the rebound. But just with the way they're going and the way they performed over the past three years prior to that as well, the Yep. investment committee just wants to move away from that managed fund altogether.","start_word":2155,"end_word":2224,"intents":[{"intent":"Remain with benelung","confidence_score":0.0006285303}]},{"text":"investment committee just wants to move away from that managed fund altogether.","start_word":2213,"end_word":2224,"intents":[{"intent":"Move away from managed fund","confidence_score":0.52178395}]},{"text":"you were to have active management, they wouldn't sort of recommend or I wouldn't Yeah.","start_word":2229,"end_word":2243,"intents":[{"intent":"Have active management","confidence_score":0.0098734}]},{"text":"But that is the risk with how volatile it is with those swings that you might sort of forego a little bit of growth or might actually get a bit of a lower cost price at the end of the day.","start_word":2364,"end_word":2404,"intents":[{"intent":"Be prepared for volatility","confidence_score":0.00051016745}]},{"text":"But that is the risk with how volatile it is with those swings that you might sort of forego a little bit of growth or might actually get a bit of a lower cost price at the end of the day. Yep.","start_word":2364,"end_word":2405,"intents":[{"intent":"Avoid volatility","confidence_score":0.092577666}]},{"text":"But with the, you know, the more passive investment style, not to say that you can't sort of change it up in the future as well.","start_word":2411,"end_word":2436,"intents":[{"intent":"Maintain passive investment style","confidence_score":0.05951946}]},{"text":"So at least if you're tracking the markets, you're tracking, you know, the top 200, top 500 companies in the market and what they're doing, which means that you're just performing as well as they can. Whereas if you wanna pick and choose those winners, much like what Benelon tried to do, sometimes you come out on the bottom there as well, and you're paying a high cost for that as well.","start_word":2500,"end_word":2571,"intents":[{"intent":"Evaluate market performance","confidence_score":0.49041465}]},{"text":"you'll be able to see the allocation to that one. So you will have slightly less allocation to growth assets compared to what you've currently got and slightly more to the defensive side of things.","start_word":3086,"end_word":3120,"intents":[{"intent":"Evaluate satellite allocation","confidence_score":0.11680284}]},{"text":"And then within regards to the financial impact from your insurances, you can just say on page 19 what that looks like if you had no insurance versus the current situation versus the recommended.","start_word":3492,"end_word":3525,"intents":[{"intent":"Educate about financial impact","confidence_score":0.0050322018}]},{"text":"I'll just have a look through that when you send it through, and I'll I'll send through that. Got the documentation there to fill out for the mortgage thing there. So I'll I'll I'll sort of that out sometime this week for you.","start_word":3854,"end_word":3896,"intents":[{"intent":"Send documents to team","confidence_score":0.00011449609}]},{"text":"Just shoot us an email, let the team know to try that payment again or at least email you when that will be coming through. Yeah.","start_word":3912,"end_word":3937,"intents":[{"intent":"Try payment","confidence_score":0.11816329}]},{"text":"I don't seem to be able I to fix it. So I believe the last time we spoke to you, the card details were expired or something like that.","start_word":4013,"end_word":4041,"intents":[{"intent":"Fix card details","confidence_score":0.3179866}]},{"text":"It's weird because it's a direct debit session regardless of the card, it's coming out of an account, not not a card as such. But, yeah, it's no. Well, yeah, just give them to run it through again at some stage. Let's let me know when that'll be, and I'll just make sure it's it works this time.","start_word":4080,"end_word":4137,"intents":[{"intent":"Resolve direct debit session issue","confidence_score":0.0021661299}]}]},"sentiments":{"segments":[{"text":"Blake speaking. Good afternoon, Luke. It's Carl calling from OQ Financial. How are you today? Hey. Good. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.2395900785923004},{"text":"Thanks.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.4703460931777954},{"text":"Yeah.","start_word":21,"end_word":21,"sentiment":"neutral","sentiment_score":0.2627596855163574},{"text":"Not too bad at all. Thanks for asking.","start_word":22,"end_word":29,"sentiment":"positive","sentiment_score":0.4928828179836273},{"text":"I just scheduled in for your statement advice this afternoon if you still got time. Yeah. That's fine. Yeah. I just Not had forgotten, a problem. but, yeah, it's good timing. Okay. Not a problem at all. If you're, like, obviously, quite a busy man. It's hard to get ahold of you a couple times. I can try and make it quite quick and then just, obviously, have a chance to go through it this afternoon and come back with any questions you might have as well. Yeah.","start_word":30,"end_word":117,"sentiment":"neutral","sentiment_score":0.11380483210086824},{"text":"Perfect. Sounds great. Thank you.","start_word":118,"end_word":122,"sentiment":"positive","sentiment_score":0.5647820234298706},{"text":"Not a problem at all. So what I'll do is I'll just pass through security there with that name, date of birth, and current address. We'll get stuck into that one today. Yep. That's Luke. Andrew Range is 12 Of 78128 Brianna Court, Madribah.","start_word":123,"end_word":166,"sentiment":"neutral","sentiment_score":0.11246367543935776},{"text":"Perfect. Thank you for that one.","start_word":167,"end_word":172,"sentiment":"positive","sentiment_score":0.46164143085479736},{"text":"And just before we jump into the actual statement of advice there, I do have here that the payment for your out of pocket cover did decline again. Would there be a reason for that one this time? No. That's it's just like a weird $10 payment or something, is it? Is that Yeah. the one It's, or like, is there something 12 else? 12 Yeah. dollars 44 just for I the don't out know of pocket that portion. I I don't know why that always doesn't I I really don't know whether it's something to do with my bank thing as something weird or it just it's the only payment that ever seems to not work if it's such a small amount. I I don't understand why, but the only thing I can think of is I might have to change it to maybe try a different account. I've got, you know, two accounts, and I've always got money in them, but it doesn't seem to like that one for some reason. What I'll do, I'll let the team know that they can call up and rerequest that payment if you've got money in the account. And if it just keeps happening, yeah, we might just look at updating it there. Yeah. Yeah. But I'll get them to get that sorted or at least get them to email you the date on when it's meant to come out just so you can keep an eye on it. Yeah. As far as everything else, though, in regards to any updates, has anything changed Sure. in obviously, in regards to the time since we last spoke here, your debt level for the mortgage maybe came down a little bit as far as, like, your your job and everything like that is largely unchanged in regards No. to your situation? It's still the same job. Yeah. Nothing's changed there. The mortgage has changed. I need to get all those details through to, I don't know, whoever rang me the other day just in regards to the the amount that we owe. We borrowed some more money to do some more work around the house. So and I think the figure he gave me, I don't think that was accurate to begin with. So I need to dig into that and see how much is we actually owe on the mortgage So and I send had all it around that through the $2.50 to mark, you. Yeah. but That obviously that's that that wouldn't have been right for a long time. That would have been, like, pre our original Reno, which was probably three years ago now. So I'm not sure how they never got updated, but, no. it's That's a lot more fabulous. than that. Yeah. Okay. Yeah. I'll just put I'll put more. So, obviously, the statement advice will have the $2.50 figure, but, like, obviously, it's not gonna affect the advice fees because it's mainly around those superannuation investments. So Yeah. Yeah.","start_word":173,"end_word":674,"sentiment":"neutral","sentiment_score":-0.0821632431927638},{"text":"Yep. that's more than fine. As long as nothing else has changed or anything like that, that's perfectly okay.","start_word":675,"end_word":693,"sentiment":"positive","sentiment_score":0.38418999314308167},{"text":"Oh, yeah. Next time I touch base, I'll just make a note to touch on the the mortgage value, Yeah. but that's Sure. fine. So this would just be going out to your email there just in regards to the documents there today, and that'll be icworldranges@hotmail.com. Yeah. It's an LC, but, yeah, that's that's that's right. Oh, okay. I always, yeah, capitalize Yeah. it for some reason for an I when it's capitals and emails, but not a problem at all.","start_word":694,"end_word":775,"sentiment":"neutral","sentiment_score":0.11453292100894742},{"text":"That yeah. Perfect. So Yep.","start_word":776,"end_word":780,"sentiment":"positive","sentiment_score":0.45124107599258423},{"text":"within regards to that one, you will just have the the statement of advice. It will come through your Otusign as opposed to, like, the DocuSign you've used previously. You'll also have a copy of the most up to date OQ Financial services guide and services guide. Yep. In regards to to that one and just the PDFs for your product that we're recommending that you do retain. So within regards to documents created for yourself, prepared by myself and the team as an authorized representative under OQ Financial, it was finalized on the February 9. Obviously, we just missed you a couple times with a few booking attempts. So it was valid Yeah. for the thirty days, and then it's valid for another thirty. After that, we're confirming your details.","start_word":781,"end_word":911,"sentiment":"neutral","sentiment_score":0.11078841239213943},{"text":"So since you've confirmed your details, that's more than fine. You've got, you know, until the April 9 there to be able to finalize it if you are happy with it and assign.","start_word":912,"end_word":944,"sentiment":"positive","sentiment_score":0.4071324765682221},{"text":"As I said, Mhmm. it's quite a straightforward advice piece in terms of what what we were looking at. It was this superannuation really in regards to looking at adjusting the investment portfolio, giving you time on board and just doing a bit of a refresh. As Yep. far as the insurances are concerned, you're pretty happy with the level of cover you had and maintaining that. So it's limitedly scoped in just for the impact on long term, like, growth.","start_word":945,"end_word":1025,"sentiment":"neutral","sentiment_score":0.14412784576416016},{"text":"As far as estate planning, budgeting, and debt, you are happy managing that all yourself. And Yep. then Yep. with that, you feel like you have, like, adequate estate planning provisions with your will even though you're sort of unsure about the power of attorney, but your partner's apparently pretty onto it. So you're pretty confident in that one. Beneficiaries Yep. are up to date. That's fine. And then, obviously, you're happy paying down your mortgage debt.","start_word":1026,"end_word":1102,"sentiment":"positive","sentiment_score":0.46311116218566895},{"text":"Obviously, that's changed a little bit, but still happy Yeah.","start_word":1103,"end_word":1112,"sentiment":"neutral","sentiment_score":0.3029332458972931},{"text":"managing that yourself.","start_word":1113,"end_word":1115,"sentiment":"positive","sentiment_score":0.3607963621616363},{"text":"As Yep. far as limited advice forwarding, it's basically pertaining to the fact that we're only really providing advice on the superannuation side of things with this update. Yep. Within regards to the goals and everything on that, make sure they are that they are sort of the long term things and sort of what you're working towards that we sort of use as bit of the North Star and where you're sort of headed. But Mhmm. as far as the advice, quite straightforward with looking at retaining a Hub twenty four superannuation fund and just changing Yep. those underlying investments. In regards to page seven and eight there, you'll be able to see just your details in regards to that. Obviously, the main residence debt is probably a little bit different, so that's fine. We Mhmm. can provide you an Sure. updated copy once you sort of do provide those details, but other than that, it's not a huge deal. The next page over, you'll be able to see your insurance and that we covered for currently and the cost you do pay for those. Now Mhmm. the the risk profile, you did score growth, which is around that eighty twenty split of growth assets to defensive assets, and we're still recommending you keep in line with that just given your time to retirement level of risk you do wanna take on and how things are traveling.","start_word":1116,"end_word":1353,"sentiment":"neutral","sentiment_score":0.13353756070137024},{"text":"You're quite happy with it. Yeah.","start_word":1354,"end_word":1359,"sentiment":"positive","sentiment_score":0.6380306482315063},{"text":"Yep. Now in regards to the change there, you'll be able to see the table on page 12 once you get a chance to look at that one. In regards to that, there is a change in balance because within regards to the changes of investment, there are some capital gains with the level of growth you have had since being onboard. Mhmm. Now within regards to the change, though, the investment fee there is, like, significantly lower than what it is currently with the change in reducing your level of exposure to the current investments that you do hold and with that removing that bend along that actively perform actively managed underperforming asset. So with the updated recommendation, you won't have active management moving forward. It will be more of an index passive approach, still using, like, a core and satellite. We're between the ETFs that you hold of, like, your main core versus, like, the strategic satellites to try and be in a little bit of sort of growth areas there that carry a bit more risk. Yep. But with that, you won't have those actively managed funds that are trying to pick and choose those winners, which obviously you've seen with that long, it didn't go too well, and you had quite a an active or quite a portion allocated to that. So you won't have that moving forward, which means your diversification will be a little bit better across the board as well in terms Sure. of that level of risk you do have. Yep. Now in regards to the adviser fee, given that you sort of pay a bit of capital gains and offset with some of the losses from Benelong, it will reduce the fee a little bit, gains and offset with some of the losses from Benelon, it will reduce the fee a little bit just because your balance is gonna dip for that slight bit, but, obviously, it's a percentage base. It depends on what it does moving forward. Now in regards to the recommended investment, the past performance is quite high considering compared to your current fund. Now, obviously, past performance is an indicative of future performance. So within regards to all projections is to be taken with a grain of salt. It's basically just illustrated for the last five years replicated year on year for the next five, but, obviously, that's never gonna happen. I don't know what Yeah. Trump's gonna do tomorrow, let alone what he's gonna tweet tonight. Yeah. I'll tell you. I thought this year was gonna be my year, but I had other plans. So Yep. yeah.","start_word":1360,"end_word":1800,"sentiment":"neutral","sentiment_score":-0.0014644582795988676},{"text":"So, unfortunately, the war in Iran is not only causing havoc with everyone super in the market, it's also causing havoc Yeah. with just the holidays for Easter, unfortunately, with the fuel prices at the moment.","start_word":1801,"end_word":1836,"sentiment":"negative","sentiment_score":-0.3902248740196228},{"text":"But in in saying that, there's not too much we can do.","start_word":1837,"end_word":1848,"sentiment":"neutral","sentiment_score":-0.32866865396499634},{"text":"America sneezes.","start_word":1849,"end_word":1850,"sentiment":"negative","sentiment_score":-0.3758435845375061},{"text":"We all catch a cold, so it's a bit Yeah. unfortunate That's in that sense. exactly right. Yeah. Yep. But as as far as the recommendations, I'd say quite straightforward in the sense that we're looking at just changing those investments. The key in that one is you will remove that active component. So you won't have the ability to try and outperform the markets, but given how the markets have been performing at least over the past five years, they have been performing quite well, and it comes at a very low cost compared to what you're currently paying in regards to those investments, which means that all goes back into reinvesting. And Yeah. Yep.","start_word":1851,"end_word":1966,"sentiment":"neutral","sentiment_score":0.1374853104352951},{"text":"given you we're pretty happy to not take on sort of more risk given what your balance is.","start_word":1967,"end_word":1984,"sentiment":"positive","sentiment_score":0.3625072240829468},{"text":"You just kinda want that steady growth and index sort of driven approach there over a long term period has been shown to sort of even outperform those managed funds as well with those sort of bad performing years like we've been long. Yeah. Yep. Yep. That sounds Obvious good. yeah. Yeah. There was there was a a point there where I thought maybe I should start to become a bit more aggressive, but then this year happened, and I was like, okay. Now I'll just I'll just keep on keeping on. I think this is so unpredictable these days with Yeah. And everything. obviously, like, if you like, having even just 80% growth assets, you wanna sort of still hold long term. In Yeah. regards to that, at the moment, there's a bit of a dip. So you're selling low, buying low. That's fine. Obviously, in regards to Benelung and what happened with that, it was quite significant, and it was something outside of just the markets as well. Now with that, if they had more consumer confidence in that moving forward, you'd probably look to retain it and try and get the the growth back out of it, wait for the rebound. But just with the way they're going and the way they performed over the past three years prior to that as well, the Yep.","start_word":1985,"end_word":2212,"sentiment":"neutral","sentiment_score":-0.07341139162318748},{"text":"investment committee just wants to move away from that managed fund altogether.","start_word":2213,"end_word":2224,"sentiment":"negative","sentiment_score":-0.4740493893623352},{"text":"Even if, like, Yeah. you were to have active management, they wouldn't sort of recommend or I wouldn't Yeah. recommend sort of staying with Benelong. It's kind of a bit of a cut your losses and move on Yeah. to something Move on. better. Yeah. Yep. Yeah. No. Of A little bit. course. Obviously, yeah, the the market's down and with the changes as well, there is the slight risk that, you know, with our topsy-turvy, the markets are for the portion of your portfolio that is selling to cash and changing that if the markets were to sort of rebound at some point during that, you're obviously buying a little bit higher. But also if they take a bit of a dip wire in cash, you get a bit of a a discount, which is good as well. But that is the risk with how volatile it is with those swings that you might sort of forego a little bit of growth or might actually get a bit of a lower cost price at the end of the day. Yep. Yep. No. That's understandable. Yep. But with the, you know, the more passive investment style, not to say that you can't sort of change it up in the future as well. It's just sort of during these sort of times, it's really hard to sort of pick and choose those winners.","start_word":2225,"end_word":2456,"sentiment":"neutral","sentiment_score":-0.14606121413666626},{"text":"It's great if you're sort of able to and you sort of out on the market considerably.","start_word":2457,"end_word":2473,"sentiment":"positive","sentiment_score":0.4374352693557739},{"text":"But Yeah.","start_word":2474,"end_word":2475,"sentiment":"neutral","sentiment_score":-0.17320260405540466},{"text":"at the moment, there seems to be a lot more losers than than winners with the picking just with everything going up.","start_word":2476,"end_word":2497,"sentiment":"negative","sentiment_score":-0.4816913902759552},{"text":"Yep. Yep. So at least if you're tracking the markets, you're tracking, you know, the top 200, top 500 companies in the market and what they're doing, which means that you're just performing as well as they can. Whereas if you wanna pick and choose those winners, much like what Benelon tried to do, sometimes you come out on the bottom there as well, and you're paying a high cost for that as well. Yeah. Of course. Yeah. And, Yep. statistically, it has been sort of shown that passively over a longer term period does sort of work out, File. yeah, in the long run if you're not sort of paying too much more attention to it or sort of regularly reviewing those actively managed funds because they can do a 60 plus year or they can do a negative 30 plus year. So it's Yeah. like it's a bit of a Yep. double edged sword with that. Yeah. That's right. Yeah. Obviously, the advantage is it's lower cost.","start_word":2498,"end_word":2666,"sentiment":"neutral","sentiment_score":0.03793545067310333},{"text":"It's in line with your risk profile.","start_word":2667,"end_word":2673,"sentiment":"positive","sentiment_score":0.361725777387619},{"text":"You You still have the same allocation of growth assets. You just Yep. don't have that manager risk, and Yeah. you'll remain a client at Oakview Financial and still receive all the the services you're currently receiving there. Yep.","start_word":2674,"end_word":2712,"sentiment":"neutral","sentiment_score":0.20142020285129547},{"text":"The big disadvantage is it's around 3,800 in regards to the CGT liability in regards to that. But in saying that a lot of that was offset, it would have been higher from that been a long loss. So it does mean that when you're paying CGT, it does mean you're making money, unfortunately.","start_word":2713,"end_word":2766,"sentiment":"negative","sentiment_score":-0.38795071840286255},{"text":"So but it's better Yep. than the opposite of not paying any and not making any And sort not making of gain. any money. Yeah. Yeah. Exactly. Yeah. Yep. Yeah. Gotta spend at the market. Exactly. And Yep. then, obviously, with the change moving forward, it's sort of that more passive, longer term approach, getting a bit more of exposure in Europe compared to what you're currently in, still having an allocation there to the cybersecurity side of things, just a rebalance there. And then within regards to the the main key portions, you will have a key portion in the Australian two hundred, which is your sort of Australian equity as opposed from the Benelung that you currently hold, and then you'll still Mhmm. hold a key holding in the S and P five hundred. And then the investments around that will just be, as I said, the satellite sort of approaches apart from, like, your defensive assets that sort of go to those sort of smaller areas where it seem to have some future growth, but obviously not as much confidence as, like, The US and Australian market allocation. Yeah. Yep.","start_word":2767,"end_word":2959,"sentiment":"neutral","sentiment_score":0.03928981227269445},{"text":"Perfect.","start_word":2960,"end_word":2960,"sentiment":"positive","sentiment_score":0.35221946239471436},{"text":"No. That all Obviously, sounds pretty good. yeah, we did consider maintaining the active management, which is due to the high cost in the past performance of a few of the funds at the moment, especially Yeah. the areas where it was going to. We just sort of thought the passive approach would be better off, especially with your like a have, like, a version two risk there. But in saying that it can be changed in future, Yeah. you'll still have that call moving forward. And then if you wanna sort of change up a few of the satellites, that is an opportunity at a later date as well if the market sort of turnaround a bit. Yep. On Yep. page Not 17, perfect. you'll be able to see the allocation to that one. So you will have slightly less allocation to growth assets compared to what you've currently got and slightly more to the defensive side of things. But in in saying that as well, the alternative asset you do hold is gold, which can be considered mainly a bit more growth at the moment, which has bumped you up as opposed Mhmm. to sitting in the defensive side of things. Yep. So you could probably look to have that a little bit higher, but in saying that at the the moment there, we're just an alternative asset, but a bit more of a growth with the way gold has been performing even though it has taken a little bit of a dip. Yeah. Yeah. It's sort of a good rise before it dips, though. Yeah. Considering So nice. you've held it for the the few years that it's been taking that, you know, nice big Yeah. jump, it's Yeah. sort of just a bit of a market correction. Yep.","start_word":2961,"end_word":3262,"sentiment":"neutral","sentiment_score":0.06124426523186513},{"text":"Nice.","start_word":3263,"end_word":3263,"sentiment":"positive","sentiment_score":0.3999147415161133},{"text":"Now in regards to that, is there any questions in regards to that at all? Nah. That's all pretty much what I was expecting you to say, to be honest. Yeah. It's probably why I just stick with what we're doing.","start_word":3264,"end_word":3304,"sentiment":"neutral","sentiment_score":0.19154271483421328},{"text":"It seems to be good these days with you.","start_word":3305,"end_word":3313,"sentiment":"positive","sentiment_score":0.5986558794975281},{"text":"I don't think we've had a decent year where I felt certain about anything since pre COVID. So it's at least I'm making money. You know? So that's Yeah. So it is the still rising, obviously, trying to get it moving a bit we higher in the right direction following can that COVID period where it did take ask a little bit of a a dive. for. And, obviously, this year Yeah. was obviously not too fantastic with the tariff talk. It was a bit of a dip, and that recovered. And then, obviously, the war in Iran has taken another Yeah. bit of a dip. So just seems a bit like one after the other at the moment, but in Yeah. saying that Really does. Yeah. I'm sure we'll get there. it's still still moving moving up, which is the main thing. Yep. As far as the adviser fee, it will still be the 1.1% given your partners on board and then 22% of your ClearView premium, which you can see on page 22 there. Mhmm. Mhmm. And then within regards to the financial impact from your insurances, you can just say on page 19 what that looks like if you had no insurance versus the current situation versus the recommended. Now, obviously, you know, we don't really normally like to sort of project as far out as the the ten years, especially with your time to retirement and things like that.","start_word":3314,"end_word":3556,"sentiment":"neutral","sentiment_score":0.05262788474835731},{"text":"Obviously, you've got a nice healthy balance. Hopefully, it continues to grow.","start_word":3557,"end_word":3568,"sentiment":"positive","sentiment_score":0.41918501257896423},{"text":"But, to say, you know, you're gonna end up with, like, you know, over $1,000,000 in your super by the time you retire and things like that, you never know with the market. So it's just a bit of an illustration at that point Yeah. Yep. just to to show you. But do you have any questions in regards to that? Obviously, it's quite a brief overview there, but I'm mindful of your time. No. Yeah. No. It's fine. I'll I'll look through that when you send it through. And, no, that's like I said, that was pretty much expecting you to to say that's that's good. I it's you know, I that it wasn't bad news, so that's that's all I can hope for, really. Yeah. So hopefully with the update, you just get nice steady growth moving forward, and you'll eliminate that majority holding to that Ben Long, which obviously Yeah. hasn't been performing too great. And it was quite a massive well, 20% of your your holding over close to 25 before it took the dip in regards Yep. to that. So quite a heavy weighting and and actively managed portfolio. And if it turns out well, it turns out great, but you do get the opposite up to this end of the coin as well, whether you do get Yeah. those years. Yep. But if you're following the indexes and you have a a bad year, it means the majority of people are having somewhat of a bad year because those are all those top performing companies in those areas and through those exchange traded funds. Yep. Yep. That's right. Exactly No. right. No. No.","start_word":3569,"end_word":3847,"sentiment":"neutral","sentiment_score":0.00808636550407683},{"text":"Perfect, mate. That sounds good.","start_word":3848,"end_word":3852,"sentiment":"positive","sentiment_score":0.4237065017223358},{"text":"Yeah. I'll just have a look through that when you send it through, and I'll I'll send through that. Got the documentation there to fill out for the mortgage thing there. So I'll I'll I'll sort of that out sometime this week for you. Send Not all a problem that through at all. updated.","start_word":3853,"end_word":3906,"sentiment":"neutral","sentiment_score":0.06074602156877518},{"text":"Great. That'd be great.","start_word":3907,"end_word":3910,"sentiment":"positive","sentiment_score":0.5181061029434204},{"text":"Yeah. Just shoot us an email, let the team know to try that payment again or at least email you when that will be coming through. Yeah. That'd be great. Yeah. If they just let me know, that's yeah. I'll just keep an eye on that thing, just see what's going on there. Well, I thought we'd fixed it before. I think it was an issue, I don't know, on Yeah. the OEM somehow, but and then it was working perfect, and then it's I don't know. It's one of them things that I try not to say. That's you know? Yeah. I don't seem to be able I to fix it. So I believe the last time we spoke to you, the card details were expired or something like that. And then we got that sorted, and I haven't heard about it much. And then, yeah, I was informed that it sort of was outstanding again Yeah. before Yeah. going on this call. So Yep. Which is yeah. It's weird because it's a direct debit session regardless of the card, it's coming out of an account, not not a card as such. But, yeah, it's no. Well, yeah, just give them to run it through again at some stage. Let's let me know when that'll be, and I'll just make sure it's it works this time.","start_word":3911,"end_word":4137,"sentiment":"neutral","sentiment_score":-0.06235145032405853},{"text":"No problem at all, Luke.","start_word":4138,"end_word":4142,"sentiment":"positive","sentiment_score":0.5012753009796143},{"text":"Do you have any other questions for me before I let you go through this afternoon? No. That's that's everything, man. You've you've been through it. And and if I do think of something, I'll I'll just shoot you a message. Too easy. Should have that Odoo in your inbox here. I'll have the attachments in the link there if you were happy to sign everything at the end of the day for that update. But otherwise, I'll let you get back to it, and just let us know if you have any questions.","start_word":4143,"end_word":4236,"sentiment":"neutral","sentiment_score":0.13032321631908417},{"text":"Perfect. Sounds great. Alright. Thanks Too for easy, your time. mate. Thanks. Bye.","start_word":4237,"end_word":4249,"sentiment":"positive","sentiment_score":0.6182574033737183},{"text":"Alright.","start_word":4250,"end_word":4250,"sentiment":"neutral","sentiment_score":0.28493398427963257},{"text":"See you.","start_word":4251,"end_word":4252,"sentiment":"positive","sentiment_score":0.35555240511894226},{"text":"Bye.","start_word":4253,"end_word":4253,"sentiment":"neutral","sentiment_score":0.217196986079216}],"average":{"sentiment":"neutral","sentiment_score":0.03624570865572093}}}}