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I'm just gonna send you through an email with this plan attached. Will you be able to look onto it with me today, or should I walk you through it? Yep. I can send you the plan to the work address, but all the rest of the documents today is just gonna match what's on the the super account. That's all. Yep. No worries. I'll I'll send to the work one. Let me just go through a quick security check with you, and then I can grab that extra email from you. So I just need your date of birth and address that we have on file. Sensational. Registered with adviser 1273105. Are you okay for the call to be recorded? Beautiful. So I'll get this here. I've got statement of advice. Thank you. Financial. Just gonna grab a few attachments. There's a few extra documents there that I'm just gonna leave off for the main pack, and it'll just be that main one on this. Just bear with me for a moment. And just while I'm doing that, mate, how are you and Joe and the kids going? Oh, yeah? Good stuff. Alright, mate. I'm ready for that email address when you are. Mhmm. Mhmm. B e n c, double e, dot com dot a u. Just for compliance purposes, I'll put in your Gmail just to cc into that. And yeah. Absolutely. I'm running five at the moment just for a bit of fun. Look. It's probably more distracting than anything, to be honest, but it helps sometimes. While that's going through, I'm gonna send the main pack off to the Gmail just so it's there as well. Yeah. Correct. What'll go along with it is just like financial services guide updated from us with all our new structures and all the product documents, attachments, extra research. Beautiful. Yep. So that's the one we need to open up. If you can have a little scroll through this one for me. Yeah. So I've just updated it for yesterday because our SOAs have expiry dates on them. So I just wanted to keep it as fresh as possible for you. I just need to go down to scope of advice heading for a quick sec on page three and four. Yep. So So what we're doing here is I'm reviewing both the portfolios for both super funds just given what's happened this year with the markets. We've had, obviously, there are more kicked off few other things. I wanna make changes to both of them. You had requested for us to do six monthly rollovers from the department, just maintain the insurances in there if that rings a bell? Cool. I've got that in this document as well for the plan just so you don't have to constantly sign documents all the time. But just for the recent nine months, it took a little while to get up to the balance I wanted it to be, so I haven't touched it just yet. Correct. Yeah. It's usually, I wanna wait till there's about about $10 sweep to do. It's just gotten there sitting at 22 at the moment. Insurance wise, so obviously, due to health, we're keeping the insurances intact as best we can for one. I wanna make sure that we keep 12 in there because 10 is kind of just it's cutting it a bit short. Market crashes, there's a risk of losing the insurance, and I don't want you to lose those because we can't get them back If you go past there so so 6 is the minimum. If it drops below 6, you get hit. We keep 12 in there for two years premiums and a 20% buffer, essentially. Cool. Outside of that, beneficiary nominations, we'll just make sure all that's good. Budgeting, investments, we're not giving any advice on, like, shares, cash flow, debt management at this point. This is just purely for the super. Cool. If you swing past there now I believe this will be a bit out of date because it has been a little while, but the about you section on pages seven and eight, it's got your income listed at $1.50. I believe you probably had a bit of a tick up since financial year. Yep. Alright. I'll add them. $1.61. Easy done. Won't make too much of a difference. This is for the contributions for projections. Outside of the assets and liabilities, obviously yep. Mhmm. I thought it was a Tableau. Okay. Yes. And this projection's based on SGC on one fifty, so it's just a tad over disclosing at this point. But I'll put that on file just so for future plans, I'll base it on $1.40 until you say otherwise. Cool. The home, I believe, quick online valuation. I think your home value went up, like, 1.5, 1.6 or something. The loan, I believe there's any liabilities or anything. Just the shares, the car, the savings, the home, probably a little bit out of date, those figures, on the next one. Uh-huh. Gotcha. Yeah. Yeah. And that was a big thing for you. I think I've put in the goals if you get down a couple of pages past the risk profile section. I've put in there that we're gonna maintain the school fees for, like, four, five years. And then once that's clear, we can make some adjustments to insurances, cash flow strategies, and best. Predependent. Yeah. No. That's totally fair. If you swing down to look. I apologize for the the text heavy on this one, but page 11, strategy recommendations. So exactly what we just said, we'll do the sweep across plus every six months if it's a viable balance, update the portfolios within Plum and Hub. And I have recommended, if possible, just to do an opt in form for Plum because I was gonna send you out an investment switch form with a forward on envelope, and I could do the opt in there as well. So it basically says that even if your account temporarily dips below $6,000 that you don't want them to touch or cancel the insurance until it goes to zero to give you a bigger buffer. We're gonna prefill all of it. It's just those two forms, they may not accept our digital signature program. So I'm just gonna post it with a four door envelope and prefill the whole lot for you. Yeah. If you can just drop it in a box after signing it, that's all you need to do. Alright. When it comes to just slightly differently than I normally do SOAs here, page twelve and thirteen, there's advantages and disadvantages tables here. Let's just skip that for a quick second because it won't make too much sense until we go through the tables. And just go to page 15 for me, the fee comparison table. So the main thing to kind of point out here is this just includes obviously the balance, which is between the two accounts. There's a difference column on the right hand side. Now there's no capital gains tax to be paid from updating the investments. We did a bit of a check under the hood to make sure there wasn't gonna be a big gain to cause an issue with the super taxes. With Plum, if we update the portfolio the way I'm wanting to, it makes it slightly more aggressive in line with the high growth. It's a little bit more expensive, but the portfolio switch within hub is less expensive. So they kind of even each other out overall. So I'm doing a slight update to both, which I'll show you on the next one. But just as a an idea on the fee impact, there'll be a reduction of investment fees within Hub, an increase in investment fees with Plum, and it kind of evens out to be about the same. No. So that's $500. We've got a new tiered fee structure for Oakview for adviser service fees. So everyone above 200,000 starts to get discounts, and there's another discount after 500,000, which you're getting pretty close to. So that's the fee savings there. Yep. Down the correct. At the bottom there, the averages, I've got a split table after this one, but, basically, the five year rolling average still sits at that 13% when I factor in both funds. But if you go to the next page, I've got a full breakdown for you just so you can see what's going on. Yep. Overall, if we maintain that high growth, you you're pretty well almost fully invested. If we maintain that, you're gonna be soaring up to the mill pretty, pretty quickly, and then there's a measure of reducing the risk. So like I spoke about last year, fourteen years to go, let's do seven years of huge growth and then seven years of slowly reducing the risk down so you don't lose all of it, you know, a year before you retire. Essentially, two market cycles. We're gonna use the volatility at the moment as a bit of a buying opportunity. Cool. Correct. So with the performance with the low, I have color coded it a little bit just so you can see what's going on. The benchmark we're aiming for is same page as the projections. Yes. So in there, 9% is kind of the minimum benchmark that you want for your risk profile. Currently, both Plum and Hub got hit with the market drops recently, so a bit below that. The long term was getting a little bit laggy. But once we update both portfolios, you should be pretty well in double digits across all the time frames, except the plums just slightly slightly lagging, but it'll bump up quite a bit as well. The investments themselves on the next page, I have done and, oh, I apologize for rainbowing this one, but easiest way to understand it. Plumb Super, I'm recommending you go from their growth option to their MLC high growth. They have some really good options, to be honest, like top 10 in the industry kinda thing that when, you know, news articles, they're high growth. They just shade up your growth assets by about 10% within there and bumps up the returns 2% average over ten years, which is huge. Inside the hub so I've been reconstructing everyone's portfolios this year given what's been going on, but yours, in particular, I'm not actually touching too much. So see all the blue ones there in that second last the target weight percentages? I'm rebalancing most of them, selling off the Benelong option, which has been underperforming. I flagged it with you last year because it only grew a couple of percent, but it's actually been plummeting quite fast, a bit faster than the market has been. So I'm replacing that with the bottom option, which is the Alfiniti Australian share in green. Basically, it reduces the fees by 10% in comparison, and this one has been outperforming the Aussie market over one, three, five, and ten years. So it's just a straight up sidestep into someone who's doing much better. Everything else is perfect. You've got battery tech and lithium. Electric vehicles has been soaring up massively. Even the China shares have been up. The Nasdaq, you've got all the tech stocks, and AI exposure has been huge. Everything is brilliant inside the portfolio. The only one to watch is just the Australian property option. With the CGT negative gearing changes, it got hit a little bit. I'm gonna keep an eye on that one and see if we need to switch that out next year as well. Yes. So Ben Long's being a full sell. Everything else is either a buy or a sell just to bring it back to the weightings that it should be based on the original model portfolio. Exactly. Right. So then along goes it goes into Afiniti. Everyone else, we bring it down from, you know, 5.2% back to five or up from three and a half back to six and where they should be in comparison to each other. So I just call that a rebalance, really. And that's sorry. Last table is page 19 at the bottom, 20 on the software. You've got growth allocation pie chart. Yeah. So middle row in gray, there's a growth total. You need 90 to a 100% to be high growth. You're sitting at the top end at 97 currently. Once we fix it up, it'll be 98 and a half. No. You're right. 19 with the pie chart. Should have a yeah. Yep. That's the one. Sorry. Difference between the old Gmail and the document. Yes. That's the one. Middle row of the table that's under the pie chart should say growth total, and it's kind of a gray bar. Yep. So we still keep it to the top end of high growth. The slight change in the MLC plum, that'll get you up a tiny bit. But, again, we're just keeping you pretty much fully invested at this point. Minimum cash balance is 1.25 for hub, that kind of thing. And that's pretty much the plan. Everything after this is just, you know, keep your plumb super. Here's your updated figures for the life TPD, updated premiums, impact tables for that one, some reminders for, I don't know if you end up putting a a will in place. It does. Yep. No worries. I'll put it out on file, but that's still sort of pending. And I'll have a quick look at the hub account at the moment. But you've got Joe listed for the beneficiaries, which I'm assuming you're not changing at this point. Cool. So so far, I haven't had to do too much of an overhaul to get you there. It's basically two sports cars, change a tire here, switch some fuel across. What do you think so far? Yeah. And just as a quick recap too. So last year when I spoke to you, you'd had this huge, like, 18% growth, which was brilliant. And we're still averaging at 9.48 after fees across the since you've become a client. But this year's it's dropped twice, once in March and once last month as well. Pretty much. $4.82 would be the $10 across plus the balance when we did the research and then leaving 12 in plum. But let me Apologies. So the way we break these ones up, hub, you need a 100% allocation when you do the switches. It also doesn't include the cash on that next table, the 6,100. Yes. Yeah. Pretty much. Your again, your balance is fluctuating about $10 every week or so. So take that with a grain of salt. Absolutely. Everything else there. So the document pack that I sent you, so that'll include an ongoing consent form for Hub twenty four. That's got the new tiered fee structure for Oakview on it. There's basically a split in how we've got to implement this. Once you sign that online pack for the statement of advice and the the consent form, we will jump on to Hub and do all the trades on a Friday to switch everything around. But then you'll get that posted pack with the investment for switch for plum and the opt in for the insurances. Yep. Yes. Outside of that, everything else is attachments at the bottom for all the product documents. There's only three documents inside the digital system. One's the advice document itself with the authority to proceed, the appendix with the research, and the consent form. That's all we need from you until you get that back in the mail. Yeah. You can go through all 491 pages of investment options for Hub or one thousand 300 of them. Hey. You'd be surprised how many times I've done it. It. Yeah. That's pretty much it. We still got an ID on file until 2029, so I'll certify that with all the implementation. I'll update all of your details on file for, like, the home value, the shares, the savings, the income, and the way the contributions work, and then we should be good to go. Awesome. Yeah. Yeah. So three thoughts there. If they can split where they go, that's fantastic because, obviously, dollar cost averaging means it comes in regularly, gets invested regularly, and that's much better than just doing a one off investment every six to twelve months. If they can't do that, just do a diploma. We'll sweep it across. The idea of obviously, if you put the money in, more funds invested, compounding interest, 15% tax rate for salary sacrifice, but locked away until 60 or above. Yeah. Yeah. And then again, just how payroll handles it. If they're okay to split it or do it one way, we'll adjust to whatever you need. If you asked me twelve months ago, I would have said, hey. You can also consider investing personally because that way you can access it within the twelve years. But after the CGT changes, losing that 50% discount's a bit rough compared to super. So if you want to invest for the next ten years, we can do that. If it's just for boosting up retirement quicker, then go for it. I'll double check the dates for you, but because you've held the assets for so long, it should be pretty well prorated. It's not like one of those things where if you don't sell it, they just flip it across and you, you know, you're out of it. They tend to grandfather a lot of it, especially with properties too. Yeah. Right. Yeah. Chase. Yeah. So keep it split in in two ideas. Right? So recently, you've gotta think of timing for CGT and and taxes and all that kind of thing. Currently, beautiful. Great capital growth. Great dividends. It's just a good asset. If you skip ahead ten years, will that company will that sector still be doing its thing? You kind of don't really know. People have ideas and inklings. So it's either idea of just sell it while it's a profit, get it out over and done with just to simplify your finances a little bit so you're not having to constantly watch it every six to twelve months and say, oh, is it now the right time to do it? If you just go, look. I've I've gotten enough out of it. It's time. If you're still getting something out of it with the dividends where you're like, I need the cash flow, then keep it. And if you can afford to wait, you know, fifteen years until your income's gone because you're retired, then you could possibly sell it then and pay less because you've got low low income. So I can't give you the answer, but some thoughts. Yeah. Oh, yeah? Yeah. Cool. Beautiful. Mate, if there's any other questions, you give us a buzz, especially when you get those forms. If there's anything amiss, just give us a buzz. In terms of catch ups, do you want me to just pencil in again just, like, a twelve month review while we do the six month sweeps if the balance is big enough, or do you want me to put in, like, quarterly catch ups? Is there a bit more to do for you? Cool. I'll be keeping an eye on things. Look. I'll I'll be honest with you. While the world goes up and down like a yo yo, I watch it every single day, but we're not gonna be jumping at every single news event that happens. So please expect that that you're about to crest 500,000. Wouldn't surprise me if you're sitting at four twelve and then 600 within the period of nine to twelve months. It's kinda part of the game at this point. Yeah. Yeah. It's just people you know, it's very comfortable when you're 18 years old. You've got your first $15 in super. It goes up and down. Who really cares? Once you've got $500,000 sitting there fluctuating a $100 every six months, it becomes very real. But like I said, our plan is basically finish off growth for seven years, and then we'll time with you. If we overshoot the returns and get a huge amount of growth, we'll start to taper the risk off as you get closer to retirement anyways. Awesome, mate. Thank you so much for your time, and I'll talk to you again soon. 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day, Dale. It's Tommy here, senior adviser from Oakview, mate. How are you doing? Mate, I've just got you booked in for that chat. Thank you so much for messaging me back.\n\nI'm just gonna send you through an email with this plan attached. Will you be able to look onto it with me today, or should I walk you through it? Yep. I can send you the plan to the work address, but all the rest of the documents today is just gonna match what's on the the super account. That's all.\n\nYep. No worries. I'll I'll send to the work one. Let me just go through a quick security check with you, and then I can grab that extra email from you. So I just need your date of birth and address that we have on file.\n\nSensational. Registered with adviser 1273105. Are you okay for the call to be recorded? Beautiful. So I'll get this here.\n\nI've got statement of advice. Thank you. Financial. Just gonna grab a few attachments. There's a few extra documents there that I'm just gonna leave off for the main pack, and it'll just be that main one on this.\n\nJust bear with me for a moment. And just while I'm doing that, mate, how are you and Joe and the kids going? Oh, yeah? Good stuff. Alright, mate.\n\nI'm ready for that email address when you are. Mhmm. Mhmm. B e n c, double e, dot com dot a u. Just for compliance purposes, I'll put in your Gmail just to cc into that.\n\nAnd yeah. Absolutely. I'm running five at the moment just for a bit of fun. Look. It's probably more distracting than anything, to be honest, but it helps sometimes.\n\nWhile that's going through, I'm gonna send the main pack off to the Gmail just so it's there as well. Yeah. Correct. What'll go along with it is just like financial services guide updated from us with all our new structures and all the product documents, attachments, extra research. Beautiful.\n\nYep. So that's the one we need to open up. If you can have a little scroll through this one for me. Yeah. So I've just updated it for yesterday because our SOAs have expiry dates on them.\n\nSo I just wanted to keep it as fresh as possible for you. I just need to go down to scope of advice heading for a quick sec on page three and four. Yep. So So what we're doing here is I'm reviewing both the portfolios for both super funds just given what's happened this year with the markets. We've had, obviously, there are more kicked off few other things.\n\nI wanna make changes to both of them. You had requested for us to do six monthly rollovers from the department, just maintain the insurances in there if that rings a bell? Cool. I've got that in this document as well for the plan just so you don't have to constantly sign documents all the time. But just for the recent nine months, it took a little while to get up to the balance I wanted it to be, so I haven't touched it just yet.\n\nCorrect. Yeah. It's usually, I wanna wait till there's about about $10 sweep to do. It's just gotten there sitting at 22 at the moment. Insurance wise, so obviously, due to health, we're keeping the insurances intact as best we can for one.\n\nI wanna make sure that we keep 12 in there because 10 is kind of just it's cutting it a bit short. Market crashes, there's a risk of losing the insurance, and I don't want you to lose those because we can't get them back If you go past there so so 6 is the minimum. If it drops below 6, you get hit. We keep 12 in there for two years premiums and a 20% buffer, essentially. Cool.\n\nOutside of that, beneficiary nominations, we'll just make sure all that's good. Budgeting, investments, we're not giving any advice on, like, shares, cash flow, debt management at this point. This is just purely for the super. Cool. If you swing past there now I believe this will be a bit out of date because it has been a little while, but the about you section on pages seven and eight, it's got your income listed at $1.50.\n\nI believe you probably had a bit of a tick up since financial year. Yep. Alright. I'll add them. $1.61.\n\nEasy done. Won't make too much of a difference. This is for the contributions for projections. Outside of the assets and liabilities, obviously yep. Mhmm.\n\nI thought it was a Tableau. Okay. Yes. And this projection's based on SGC on one fifty, so it's just a tad over disclosing at this point. But I'll put that on file just so for future plans, I'll base it on $1.40 until you say otherwise.\n\nCool. The home, I believe, quick online valuation. I think your home value went up, like, 1.5, 1.6 or something. The loan, I believe there's any liabilities or anything. Just the shares, the car, the savings, the home, probably a little bit out of date, those figures, on the next one.\n\nUh-huh. Gotcha. Yeah. Yeah. And that was a big thing for you.\n\nI think I've put in the goals if you get down a couple of pages past the risk profile section. I've put in there that we're gonna maintain the school fees for, like, four, five years. And then once that's clear, we can make some adjustments to insurances, cash flow strategies, and best. Predependent. Yeah.\n\nNo. That's totally fair. If you swing down to look. I apologize for the the text heavy on this one, but page 11, strategy recommendations. So exactly what we just said, we'll do the sweep across plus every six months if it's a viable balance, update the portfolios within Plum and Hub.\n\nAnd I have recommended, if possible, just to do an opt in form for Plum because I was gonna send you out an investment switch form with a forward on envelope, and I could do the opt in there as well. So it basically says that even if your account temporarily dips below $6,000 that you don't want them to touch or cancel the insurance until it goes to zero to give you a bigger buffer. We're gonna prefill all of it. It's just those two forms, they may not accept our digital signature program. So I'm just gonna post it with a four door envelope and prefill the whole lot for you.\n\nYeah. If you can just drop it in a box after signing it, that's all you need to do. Alright. When it comes to just slightly differently than I normally do SOAs here, page twelve and thirteen, there's advantages and disadvantages tables here. Let's just skip that for a quick second because it won't make too much sense until we go through the tables.\n\nAnd just go to page 15 for me, the fee comparison table. So the main thing to kind of point out here is this just includes obviously the balance, which is between the two accounts. There's a difference column on the right hand side. Now there's no capital gains tax to be paid from updating the investments. We did a bit of a check under the hood to make sure there wasn't gonna be a big gain to cause an issue with the super taxes.\n\nWith Plum, if we update the portfolio the way I'm wanting to, it makes it slightly more aggressive in line with the high growth. It's a little bit more expensive, but the portfolio switch within hub is less expensive. So they kind of even each other out overall. So I'm doing a slight update to both, which I'll show you on the next one. But just as a an idea on the fee impact, there'll be a reduction of investment fees within Hub, an increase in investment fees with Plum, and it kind of evens out to be about the same.\n\nNo. So that's $500. We've got a new tiered fee structure for Oakview for adviser service fees. So everyone above 200,000 starts to get discounts, and there's another discount after 500,000, which you're getting pretty close to. So that's the fee savings there.\n\nYep. Down the correct. At the bottom there, the averages, I've got a split table after this one, but, basically, the five year rolling average still sits at that 13% when I factor in both funds. But if you go to the next page, I've got a full breakdown for you just so you can see what's going on. Yep.\n\nOverall, if we maintain that high growth, you you're pretty well almost fully invested. If we maintain that, you're gonna be soaring up to the mill pretty, pretty quickly, and then there's a measure of reducing the risk. So like I spoke about last year, fourteen years to go, let's do seven years of huge growth and then seven years of slowly reducing the risk down so you don't lose all of it, you know, a year before you retire. Essentially, two market cycles. We're gonna use the volatility at the moment as a bit of a buying opportunity.\n\nCool. Correct. So with the performance with the low, I have color coded it a little bit just so you can see what's going on. The benchmark we're aiming for is same page as the projections. Yes.\n\nSo in there, 9% is kind of the minimum benchmark that you want for your risk profile. Currently, both Plum and Hub got hit with the market drops recently, so a bit below that. The long term was getting a little bit laggy. But once we update both portfolios, you should be pretty well in double digits across all the time frames, except the plums just slightly slightly lagging, but it'll bump up quite a bit as well. The investments themselves on the next page, I have done and, oh, I apologize for rainbowing this one, but easiest way to understand it.\n\nPlumb Super, I'm recommending you go from their growth option to their MLC high growth. They have some really good options, to be honest, like top 10 in the industry kinda thing that when, you know, news articles, they're high growth. They just shade up your growth assets by about 10% within there and bumps up the returns 2% average over ten years, which is huge. Inside the hub so I've been reconstructing everyone's portfolios this year given what's been going on, but yours, in particular, I'm not actually touching too much. So see all the blue ones there in that second last the target weight percentages?\n\nI'm rebalancing most of them, selling off the Benelong option, which has been underperforming. I flagged it with you last year because it only grew a couple of percent, but it's actually been plummeting quite fast, a bit faster than the market has been. So I'm replacing that with the bottom option, which is the Alfiniti Australian share in green. Basically, it reduces the fees by 10% in comparison, and this one has been outperforming the Aussie market over one, three, five, and ten years. So it's just a straight up sidestep into someone who's doing much better.\n\nEverything else is perfect. You've got battery tech and lithium. Electric vehicles has been soaring up massively. Even the China shares have been up. The Nasdaq, you've got all the tech stocks, and AI exposure has been huge.\n\nEverything is brilliant inside the portfolio. The only one to watch is just the Australian property option. With the CGT negative gearing changes, it got hit a little bit. I'm gonna keep an eye on that one and see if we need to switch that out next year as well. Yes.\n\nSo Ben Long's being a full sell. Everything else is either a buy or a sell just to bring it back to the weightings that it should be based on the original model portfolio. Exactly. Right. So then along goes it goes into Afiniti.\n\nEveryone else, we bring it down from, you know, 5.2% back to five or up from three and a half back to six and where they should be in comparison to each other. So I just call that a rebalance, really. And that's sorry. Last table is page 19 at the bottom, 20 on the software. You've got growth allocation pie chart.\n\nYeah. So middle row in gray, there's a growth total. You need 90 to a 100% to be high growth. You're sitting at the top end at 97 currently. Once we fix it up, it'll be 98 and a half.\n\nNo. You're right. 19 with the pie chart. Should have a yeah. Yep.\n\nThat's the one. Sorry. Difference between the old Gmail and the document. Yes. That's the one.\n\nMiddle row of the table that's under the pie chart should say growth total, and it's kind of a gray bar. Yep. So we still keep it to the top end of high growth. The slight change in the MLC plum, that'll get you up a tiny bit. But, again, we're just keeping you pretty much fully invested at this point.\n\nMinimum cash balance is 1.25 for hub, that kind of thing. And that's pretty much the plan. Everything after this is just, you know, keep your plumb super. Here's your updated figures for the life TPD, updated premiums, impact tables for that one, some reminders for, I don't know if you end up putting a a will in place. It does.\n\nYep. No worries. I'll put it out on file, but that's still sort of pending. And I'll have a quick look at the hub account at the moment. But you've got Joe listed for the beneficiaries, which I'm assuming you're not changing at this point.\n\nCool. So so far, I haven't had to do too much of an overhaul to get you there. It's basically two sports cars, change a tire here, switch some fuel across. What do you think so far? Yeah.\n\nAnd just as a quick recap too. So last year when I spoke to you, you'd had this huge, like, 18% growth, which was brilliant. And we're still averaging at 9.48 after fees across the since you've become a client. But this year's it's dropped twice, once in March and once last month as well. Pretty much.\n\n$4.82 would be the $10 across plus the balance when we did the research and then leaving 12 in plum. But let me Apologies. So the way we break these ones up, hub, you need a 100% allocation when you do the switches. It also doesn't include the cash on that next table, the 6,100. Yes.\n\nYeah. Pretty much. Your again, your balance is fluctuating about $10 every week or so. So take that with a grain of salt. Absolutely.\n\nEverything else there. So the document pack that I sent you, so that'll include an ongoing consent form for Hub twenty four. That's got the new tiered fee structure for Oakview on it. There's basically a split in how we've got to implement this. Once you sign that online pack for the statement of advice and the the consent form, we will jump on to Hub and do all the trades on a Friday to switch everything around.\n\nBut then you'll get that posted pack with the investment for switch for plum and the opt in for the insurances. Yep. Yes. Outside of that, everything else is attachments at the bottom for all the product documents. There's only three documents inside the digital system.\n\nOne's the advice document itself with the authority to proceed, the appendix with the research, and the consent form. That's all we need from you until you get that back in the mail. Yeah. You can go through all 491 pages of investment options for Hub or one thousand 300 of them. Hey.\n\nYou'd be surprised how many times I've done it. It. Yeah. That's pretty much it. We still got an ID on file until 2029, so I'll certify that with all the implementation.\n\nI'll update all of your details on file for, like, the home value, the shares, the savings, the income, and the way the contributions work, and then we should be good to go. Awesome. Yeah. Yeah. So three thoughts there.\n\nIf they can split where they go, that's fantastic because, obviously, dollar cost averaging means it comes in regularly, gets invested regularly, and that's much better than just doing a one off investment every six to twelve months. If they can't do that, just do a diploma. We'll sweep it across. The idea of obviously, if you put the money in, more funds invested, compounding interest, 15% tax rate for salary sacrifice, but locked away until 60 or above. Yeah.\n\nYeah. And then again, just how payroll handles it. If they're okay to split it or do it one way, we'll adjust to whatever you need. If you asked me twelve months ago, I would have said, hey. You can also consider investing personally because that way you can access it within the twelve years.\n\nBut after the CGT changes, losing that 50% discount's a bit rough compared to super. So if you want to invest for the next ten years, we can do that. If it's just for boosting up retirement quicker, then go for it. I'll double check the dates for you, but because you've held the assets for so long, it should be pretty well prorated. It's not like one of those things where if you don't sell it, they just flip it across and you, you know, you're out of it.\n\nThey tend to grandfather a lot of it, especially with properties too. Yeah. Right. Yeah. Chase.\n\nYeah. So keep it split in in two ideas. Right? So recently, you've gotta think of timing for CGT and and taxes and all that kind of thing. Currently, beautiful.\n\nGreat capital growth. Great dividends. It's just a good asset. If you skip ahead ten years, will that company will that sector still be doing its thing? You kind of don't really know.\n\nPeople have ideas and inklings. So it's either idea of just sell it while it's a profit, get it out over and done with just to simplify your finances a little bit so you're not having to constantly watch it every six to twelve months and say, oh, is it now the right time to do it? If you just go, look. I've I've gotten enough out of it. It's time.\n\nIf you're still getting something out of it with the dividends where you're like, I need the cash flow, then keep it. And if you can afford to wait, you know, fifteen years until your income's gone because you're retired, then you could possibly sell it then and pay less because you've got low low income. So I can't give you the answer, but some thoughts. Yeah. Oh, yeah?\n\nYeah. Cool. Beautiful. Mate, if there's any other questions, you give us a buzz, especially when you get those forms. If there's anything amiss, just give us a buzz.\n\nIn terms of catch ups, do you want me to just pencil in again just, like, a twelve month review while we do the six month sweeps if the balance is big enough, or do you want me to put in, like, quarterly catch ups? Is there a bit more to do for you? Cool. I'll be keeping an eye on things. Look.\n\nI'll I'll be honest with you. While the world goes up and down like a yo yo, I watch it every single day, but we're not gonna be jumping at every single news event that happens. So please expect that that you're about to crest 500,000. Wouldn't surprise me if you're sitting at four twelve and then 600 within the period of nine to twelve months. It's kinda part of the game at this point.\n\nYeah. Yeah. It's just people you know, it's very comfortable when you're 18 years old. You've got your first $15 in super. It goes up and down.\n\nWho really cares? Once you've got $500,000 sitting there fluctuating a $100 every six months, it becomes very real. But like I said, our plan is basically finish off growth for seven years, and then we'll time with you. If we overshoot the returns and get a huge amount of growth, we'll start to taper the risk off as you get closer to retirement anyways. Awesome, mate.\n\nThank you so much for your time, and I'll talk to you again soon. Thanks, Sal.","paragraphs":[{"sentences":[{"text":"Good day, Dale.","start":3.04,"end":3.6799998,"sentiment":"positive","sentiment_score":0.4958021541436513},{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":3.6799998,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2815264258533716},{"text":"How are you doing?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.2882644981145859},{"text":"Mate, I've just got you booked in for that chat.","start":8.72,"end":10.88,"sentiment":"neutral","sentiment_score":0.31713992953300474},{"text":"Thank you so much for messaging me back.","start":10.88,"end":12.9,"sentiment":"positive","sentiment_score":0.6566199436783791}],"sentiment":"positive","sentiment_score":0.4035465062567682,"num_words":33,"start":3.04,"end":12.9},{"sentences":[{"text":"I'm just gonna send you through an email with this plan attached.","start":13.905,"end":17.105,"sentiment":"neutral","sentiment_score":0.2361531766752402},{"text":"Will you be able to look onto it with me today, or should I walk you through it?","start":17.105,"end":20.805,"sentiment":"neutral","sentiment_score":0.14793137916260296},{"text":"Yep.","start":27.025,"end":27.33,"sentiment":"neutral","sentiment_score":-0.014534490182995796},{"text":"I can send you the plan to the work address, but all the rest of the documents today is just gonna match what's on the the super account.","start":31.65,"end":38.61,"sentiment":"neutral","sentiment_score":-0.08347391476854682},{"text":"That's all.","start":38.61,"end":39.27,"sentiment":"neutral","sentiment_score":-0.0254535935819149}],"sentiment":"neutral","sentiment_score":0.05071953531415736,"num_words":61,"start":13.905,"end":39.27},{"sentences":[{"text":"Yep.","start":51.345,"end":51.665,"sentiment":"neutral","sentiment_score":0.06943395733833313},{"text":"No worries.","start":51.665,"end":52.145,"sentiment":"neutral","sentiment_score":0.1153930239379406},{"text":"I'll I'll send to the work one.","start":52.145,"end":53.425003,"sentiment":"neutral","sentiment_score":0.08121293251003538},{"text":"Let me just go through a quick security check with you, and then I can grab that extra email from you.","start":53.425003,"end":58.64,"sentiment":"neutral","sentiment_score":0.07327134818548248},{"text":"So I just need your date of birth and address that we have on file.","start":58.78,"end":62.64,"sentiment":"neutral","sentiment_score":0.05388251046339671}],"sentiment":"neutral","sentiment_score":0.0699053587310988,"num_words":46,"start":51.345,"end":62.64},{"sentences":[{"text":"Sensational.","start":67.98,"end":68.48,"sentiment":"neutral","sentiment_score":0.025554468855261803},{"text":"Registered with adviser 1273105.","start":68.995,"end":72.195,"sentiment":"neutral","sentiment_score":0.018834737595170736},{"text":"Are you okay for the call to be recorded?","start":72.195,"end":73.975,"sentiment":"neutral","sentiment_score":0.011243626268373596},{"text":"Beautiful.","start":76.034996,"end":76.515,"sentiment":"positive","sentiment_score":0.404439240694046},{"text":"So I'll get this here.","start":76.515,"end":77.555,"sentiment":"neutral","sentiment_score":0.22392495572566987}],"sentiment":"neutral","sentiment_score":0.08630750374868512,"num_words":20,"start":67.98,"end":77.555},{"sentences":[{"text":"I've got statement of advice.","start":77.555,"end":79.255,"sentiment":"neutral","sentiment_score":0.1550188183784485},{"text":"Thank you.","start":79.635,"end":80.354996,"sentiment":"neutral","sentiment_score":0.2912943512201309},{"text":"Financial.","start":80.354996,"end":80.854996,"sentiment":"neutral","sentiment_score":0.0704813301563263},{"text":"Just gonna grab a few attachments.","start":82.835,"end":84.189995,"sentiment":"neutral","sentiment_score":0.049289596577485405},{"text":"There's a few extra documents there that I'm just gonna leave off for the main pack, and it'll just be that main one on this.","start":84.25,"end":89.93,"sentiment":"neutral","sentiment_score":0.05795523323118687}],"sentiment":"neutral","sentiment_score":0.08135339832649781,"num_words":39,"start":77.555,"end":89.93},{"sentences":[{"text":"Just bear with me for a moment.","start":89.93,"end":91.39,"sentiment":"neutral","sentiment_score":0.07909214762704712},{"text":"And just while I'm doing that, mate, how are you and Joe and the kids going?","start":92.729996,"end":95.805,"sentiment":"neutral","sentiment_score":0.15091125899925828},{"text":"Oh, yeah?","start":104.285,"end":105.025,"sentiment":"positive","sentiment_score":0.4188753664493561},{"text":"Good stuff.","start":111.619995,"end":112.52,"sentiment":"positive","sentiment_score":0.644233375787735},{"text":"Alright, mate.","start":116.18,"end":116.82,"sentiment":"neutral","sentiment_score":0.1695786938071251}],"sentiment":"neutral","sentiment_score":0.18736551894709982,"num_words":29,"start":89.93,"end":116.82},{"sentences":[{"text":"I'm ready for that email address when you are.","start":116.82,"end":119.479996,"sentiment":"neutral","sentiment_score":0.05111657207210859},{"text":"Mhmm.","start":121.22,"end":121.72,"sentiment":"neutral","sentiment_score":0.03685540705919266},{"text":"Mhmm.","start":125.7,"end":126.045,"sentiment":"neutral","sentiment_score":0.02146555855870247},{"text":"B e n c, double e, dot com dot a u.","start":127.965,"end":133.825,"sentiment":"neutral","sentiment_score":0.01762026489119638},{"text":"Just for compliance purposes, I'll put in your Gmail just to cc into that.","start":135.325,"end":140.625,"sentiment":"neutral","sentiment_score":0.03261643801150577}],"sentiment":"neutral","sentiment_score":0.032467310006419815,"num_words":36,"start":116.82,"end":140.625},{"sentences":[{"text":"And yeah.","start":143.81999,"end":147.81999,"sentiment":"neutral","sentiment_score":0.10682325065135956},{"text":"Absolutely.","start":147.81999,"end":148.22,"sentiment":"neutral","sentiment_score":0.14640289545059204},{"text":"I'm running five at the moment just for a bit of fun.","start":148.22,"end":151.2,"sentiment":"neutral","sentiment_score":0.13153321109712124},{"text":"Look.","start":154.945,"end":155.02501,"sentiment":"neutral","sentiment_score":-0.0007353983819484711},{"text":"It's probably more distracting than anything, to be honest, but it helps sometimes.","start":155.02501,"end":159.125,"sentiment":"neutral","sentiment_score":-0.029702837507312115}],"sentiment":"neutral","sentiment_score":0.05350260841178483,"num_words":29,"start":143.81999,"end":159.125},{"sentences":[{"text":"While that's going through, I'm gonna send the main pack off to the Gmail just so it's there as well.","start":163.505,"end":168.70999,"sentiment":"neutral","sentiment_score":0.043569469125941396},{"text":"Yeah.","start":174.61,"end":175.01,"sentiment":"neutral","sentiment_score":0.010003204457461834},{"text":"Correct.","start":175.01,"end":175.51,"sentiment":"neutral","sentiment_score":0.03504227474331856},{"text":"What'll go along with it is just like financial services guide updated from us with all our new structures and all the product documents, attachments, extra research.","start":177.17,"end":185.535,"sentiment":"neutral","sentiment_score":0.03507189554403777},{"text":"Beautiful.","start":186.955,"end":187.455,"sentiment":"neutral","sentiment_score":0.08256091177463531}],"sentiment":"neutral","sentiment_score":0.03891873906366527,"num_words":50,"start":163.505,"end":187.455},{"sentences":[{"text":"Yep.","start":192.795,"end":193.035,"sentiment":"neutral","sentiment_score":0.040283046662807465},{"text":"So that's the one we need to open up.","start":193.035,"end":194.55501,"sentiment":"neutral","sentiment_score":0.03780072761906518},{"text":"If you can have a little scroll through this one for me.","start":194.55501,"end":204.79999,"sentiment":"neutral","sentiment_score":0.026407546363770962},{"text":"Yeah.","start":204.86,"end":205.09999,"sentiment":"neutral","sentiment_score":0.05209752172231674},{"text":"So I've just updated it for yesterday because our SOAs have expiry dates on them.","start":205.09999,"end":209.81999,"sentiment":"neutral","sentiment_score":0.048137084146340686}],"sentiment":"neutral","sentiment_score":0.03872457725044928,"num_words":38,"start":192.795,"end":209.81999},{"sentences":[{"text":"So I just wanted to keep it as fresh as possible for you.","start":209.81999,"end":212.345,"sentiment":"neutral","sentiment_score":0.11885765825326626},{"text":"I just need to go down to scope of advice heading for a quick sec on page three and four.","start":219.605,"end":224.345,"sentiment":"neutral","sentiment_score":0.05697402711957693},{"text":"Yep.","start":225.285,"end":225.535,"sentiment":"neutral","sentiment_score":0.041276365518569946},{"text":"So So what we're doing here is I'm reviewing both the portfolios for both super funds just given what's happened this year with the markets.","start":225.535,"end":233.92,"sentiment":"neutral","sentiment_score":0.03181349579244852},{"text":"We've had, obviously, there are more kicked off few other things.","start":235.5,"end":238.635,"sentiment":"neutral","sentiment_score":-0.028520542112263767}],"sentiment":"neutral","sentiment_score":0.04582168423969831,"num_words":70,"start":209.81999,"end":238.635},{"sentences":[{"text":"I wanna make changes to both of them.","start":238.955,"end":240.97499,"sentiment":"neutral","sentiment_score":0.03228418342769146},{"text":"You had requested for us to do six monthly rollovers from the department, just maintain the insurances in there if that rings a bell?","start":241.11499,"end":248.415,"sentiment":"neutral","sentiment_score":0.040654334938153625},{"text":"Cool.","start":249.995,"end":250.39499,"sentiment":"positive","sentiment_score":0.3528267741203308},{"text":"I've got that in this document as well for the plan just so you don't have to constantly sign documents all the time.","start":250.39499,"end":255.37,"sentiment":"neutral","sentiment_score":0.20450571211783783},{"text":"But just for the recent nine months, it took a little while to get up to the balance I wanted it to be, so I haven't touched it just yet.","start":255.37,"end":261.95,"sentiment":"neutral","sentiment_score":-0.07097221165895462}],"sentiment":"neutral","sentiment_score":0.04838685243022303,"num_words":86,"start":238.955,"end":261.95},{"sentences":[{"text":"Correct.","start":268.41,"end":268.875,"sentiment":"neutral","sentiment_score":0.02773352339863777},{"text":"Yeah.","start":269.195,"end":269.355,"sentiment":"neutral","sentiment_score":0.02346800267696381},{"text":"It's usually, I wanna wait till there's about about $10 sweep to do.","start":269.355,"end":273.055,"sentiment":"neutral","sentiment_score":0.02226142742885993},{"text":"It's just gotten there sitting at 22 at the moment.","start":273.195,"end":275.775,"sentiment":"neutral","sentiment_score":-0.00338708246126771},{"text":"Insurance wise, so obviously, due to health, we're keeping the insurances intact as best we can for one.","start":278.475,"end":283.92,"sentiment":"neutral","sentiment_score":-0.01068379640734444}],"sentiment":"neutral","sentiment_score":0.0026609516908349686,"num_words":43,"start":268.41,"end":283.92},{"sentences":[{"text":"I wanna make sure that we keep 12 in there because 10 is kind of just it's cutting it a bit short.","start":285.44,"end":291.30002,"sentiment":"neutral","sentiment_score":-0.06718258373439312},{"text":"Market crashes, there's a risk of losing the insurance, and I don't want you to lose those because we can't get them back If you go past there so so 6 is the minimum.","start":291.36002,"end":312.005,"sentiment":"neutral","sentiment_score":-0.19686013405375621},{"text":"If it drops below 6, you get hit.","start":312.005,"end":314.4,"sentiment":"neutral","sentiment_score":-0.10429232940077782},{"text":"We keep 12 in there for two years premiums and a 20% buffer, essentially.","start":314.7,"end":319.44,"sentiment":"neutral","sentiment_score":0.021912343933113983},{"text":"Cool.","start":321.34,"end":321.84,"sentiment":"positive","sentiment_score":0.3406828045845032}],"sentiment":"neutral","sentiment_score":-0.10579929639927194,"num_words":79,"start":285.44,"end":321.84},{"sentences":[{"text":"Outside of that, beneficiary nominations, we'll just make sure all that's good.","start":322.22,"end":326.32,"sentiment":"neutral","sentiment_score":0.16761860282470784},{"text":"Budgeting, investments, we're not giving any advice on, like, shares, cash flow, debt management at this point.","start":326.86,"end":331.875,"sentiment":"neutral","sentiment_score":-0.21064529567956924},{"text":"This is just purely for the super.","start":331.875,"end":333.575,"sentiment":"neutral","sentiment_score":-0.10156718960830144},{"text":"Cool.","start":335.23502,"end":335.73502,"sentiment":"neutral","sentiment_score":0.1755499541759491},{"text":"If you swing past there now I believe this will be a bit out of date because it has been a little while, but the about you section on pages seven and eight, it's got your income listed at $1.50.","start":336.035,"end":346.78,"sentiment":"neutral","sentiment_score":-0.040317396237514916}],"sentiment":"neutral","sentiment_score":-0.048281337860245986,"num_words":77,"start":322.22,"end":346.78},{"sentences":[{"text":"I believe you probably had a bit of a tick up since financial year.","start":347.0,"end":350.14,"sentiment":"neutral","sentiment_score":-0.04287227908415454},{"text":"Yep.","start":357.465,"end":357.70502,"sentiment":"neutral","sentiment_score":0.037340275943279266},{"text":"Alright.","start":357.70502,"end":358.025,"sentiment":"neutral","sentiment_score":0.05961065739393234},{"text":"I'll add them.","start":358.025,"end":359.005,"sentiment":"neutral","sentiment_score":0.03936473031838735},{"text":"$1.61.","start":360.185,"end":361.245,"sentiment":"neutral","sentiment_score":0.08245939016342163}],"sentiment":"neutral","sentiment_score":-0.015135369636118412,"num_words":20,"start":347.0,"end":361.245},{"sentences":[{"text":"Easy done.","start":361.305,"end":362.105,"sentiment":"positive","sentiment_score":0.3509529083967209},{"text":"Won't make too much of a difference.","start":362.105,"end":363.305,"sentiment":"neutral","sentiment_score":0.012878490878002984},{"text":"This is for the contributions for projections.","start":363.305,"end":365.805,"sentiment":"neutral","sentiment_score":0.017452315560409},{"text":"Outside of the assets and liabilities, obviously yep.","start":368.025,"end":370.65,"sentiment":"neutral","sentiment_score":-0.03316943673416972},{"text":"Mhmm.","start":379.05,"end":379.55,"sentiment":"neutral","sentiment_score":-0.08546365797519684}],"sentiment":"neutral","sentiment_score":0.022536092400550843,"num_words":25,"start":361.305,"end":379.55},{"sentences":[{"text":"I thought it was a Tableau.","start":381.69,"end":383.07,"sentiment":"neutral","sentiment_score":-0.07263511295119922},{"text":"Okay.","start":392.775,"end":393.275,"sentiment":"neutral","sentiment_score":-0.004383133724331856},{"text":"Yes.","start":402.71,"end":403.21,"sentiment":"neutral","sentiment_score":0.04597778245806694},{"text":"And this projection's based on SGC on one fifty, so it's just a tad over disclosing at this point.","start":403.27,"end":411.165,"sentiment":"neutral","sentiment_score":0.02557215584736121},{"text":"But I'll put that on file just so for future plans, I'll base it on $1.40 until you say otherwise.","start":411.165,"end":416.225,"sentiment":"neutral","sentiment_score":0.07310134144499898}],"sentiment":"neutral","sentiment_score":0.03305705874524218,"num_words":47,"start":381.69,"end":416.225},{"sentences":[{"text":"Cool.","start":417.645,"end":418.145,"sentiment":"neutral","sentiment_score":0.2739936113357544},{"text":"The home, I believe, quick online valuation.","start":419.005,"end":421.485,"sentiment":"neutral","sentiment_score":0.13166464333023345},{"text":"I think your home value went up, like, 1.5, 1.6 or something.","start":421.485,"end":425.1,"sentiment":"neutral","sentiment_score":0.12937475616733232},{"text":"The loan, I believe there's any liabilities or anything.","start":427.1,"end":431.18,"sentiment":"neutral","sentiment_score":-0.00029496504511270297},{"text":"Just the shares, the car, the savings, the home, probably a little bit out of date, those figures, on the next one.","start":431.18,"end":436.80002,"sentiment":"neutral","sentiment_score":-0.06889522084119645}],"sentiment":"neutral","sentiment_score":0.024113600877314515,"num_words":51,"start":417.645,"end":436.80002},{"sentences":[{"text":"Uh-huh.","start":451.115,"end":451.53,"sentiment":"neutral","sentiment_score":-0.06107262894511223},{"text":"Gotcha.","start":453.45,"end":453.95,"sentiment":"neutral","sentiment_score":-0.11280257999897005},{"text":"Yeah.","start":460.16998,"end":460.66998,"sentiment":"neutral","sentiment_score":0.043585725128650665},{"text":"Yeah.","start":473.46503,"end":473.96503,"sentiment":"neutral","sentiment_score":0.23499330878257751},{"text":"And that was a big thing for you.","start":474.825,"end":476.105,"sentiment":"positive","sentiment_score":0.46773594431579113}],"sentiment":"neutral","sentiment_score":0.32054928162445623,"num_words":12,"start":451.115,"end":476.105},{"sentences":[{"text":"I think I've put in the goals if you get down a couple of pages past the risk profile section.","start":476.105,"end":480.38998,"sentiment":"neutral","sentiment_score":0.29493600204586984},{"text":"I've put in there that we're gonna maintain the school fees for, like, four, five years.","start":481.00998,"end":485.91,"sentiment":"neutral","sentiment_score":0.23005498060956597},{"text":"And then once that's clear, we can make some adjustments to insurances, cash flow strategies, and best.","start":486.05,"end":491.805,"sentiment":"neutral","sentiment_score":0.10681542315903832},{"text":"Predependent.","start":506.42,"end":506.92,"sentiment":"neutral","sentiment_score":0.029648005962371823},{"text":"Yeah.","start":507.22,"end":507.72,"sentiment":"neutral","sentiment_score":0.07108620554208755}],"sentiment":"neutral","sentiment_score":0.20902174792506478,"num_words":55,"start":476.105,"end":507.72},{"sentences":[{"text":"No.","start":509.3,"end":509.54,"sentiment":"neutral","sentiment_score":-0.07746797800064087},{"text":"That's totally fair.","start":509.54,"end":510.76,"sentiment":"neutral","sentiment_score":-0.011831537509957949},{"text":"If you swing down to look.","start":511.14,"end":512.66,"sentiment":"neutral","sentiment_score":0.02846502885222435},{"text":"I apologize for the the text heavy on this one, but page 11, strategy recommendations.","start":512.66,"end":517.16,"sentiment":"neutral","sentiment_score":-0.08275030901034673},{"text":"So exactly what we just said, we'll do the sweep across plus every six months if it's a viable balance, update the portfolios within Plum and Hub.","start":518.66,"end":527.945,"sentiment":"neutral","sentiment_score":0.20789160441469262}],"sentiment":"neutral","sentiment_score":0.085185505127391,"num_words":52,"start":509.3,"end":527.945},{"sentences":[{"text":"And I have recommended, if possible, just to do an opt in form for Plum because I was gonna send you out an investment switch form with a forward on envelope, and I could do the opt in there as well.","start":528.245,"end":541.52,"sentiment":"neutral","sentiment_score":0.22328776112053453},{"text":"So it basically says that even if your account temporarily dips below $6,000 that you don't want them to touch or cancel the insurance until it goes to zero to give you a bigger buffer.","start":541.98,"end":551.965,"sentiment":"neutral","sentiment_score":-0.17248072347470692},{"text":"We're gonna prefill all of it.","start":557.465,"end":558.98505,"sentiment":"neutral","sentiment_score":0.06580439334114392},{"text":"It's just those two forms, they may not accept our digital signature program.","start":558.98505,"end":563.24,"sentiment":"neutral","sentiment_score":-0.032388135217703305},{"text":"So I'm just gonna post it with a four door envelope and prefill the whole lot for you.","start":563.24,"end":570.52,"sentiment":"neutral","sentiment_score":0.0958588406857517}],"sentiment":"neutral","sentiment_score":0.042630200167145346,"num_words":113,"start":528.245,"end":570.52},{"sentences":[{"text":"Yeah.","start":570.52,"end":570.68,"sentiment":"neutral","sentiment_score":0.13263125717639923},{"text":"If you can just drop it in a box after signing it, that's all you need to do.","start":570.68,"end":573.98,"sentiment":"neutral","sentiment_score":0.14384428908427557},{"text":"Alright.","start":576.6,"end":577.095,"sentiment":"neutral","sentiment_score":0.27188533544540405},{"text":"When it comes to just slightly differently than I normally do SOAs here, page twelve and thirteen, there's advantages and disadvantages tables here.","start":577.57495,"end":585.51495,"sentiment":"neutral","sentiment_score":-0.06885649069495824},{"text":"Let's just skip that for a quick second because it won't make too much sense until we go through the tables.","start":587.495,"end":591.595,"sentiment":"neutral","sentiment_score":-0.01795080525889283}],"sentiment":"neutral","sentiment_score":0.016141368745593354,"num_words":64,"start":570.52,"end":591.595},{"sentences":[{"text":"And just go to page 15 for me, the fee comparison table.","start":592.43,"end":596.21,"sentiment":"neutral","sentiment_score":0.02351394606133302},{"text":"So the main thing to kind of point out here is this just includes obviously the balance, which is between the two accounts.","start":602.51,"end":607.57,"sentiment":"neutral","sentiment_score":0.07485899296791657},{"text":"There's a difference column on the right hand side.","start":608.135,"end":610.715,"sentiment":"neutral","sentiment_score":0.0919380850262112},{"text":"Now there's no capital gains tax to be paid from updating the investments.","start":611.015,"end":615.59503,"sentiment":"neutral","sentiment_score":0.0904232865342727},{"text":"We did a bit of a check under the hood to make sure there wasn't gonna be a big gain to cause an issue with the super taxes.","start":616.53503,"end":622.555,"sentiment":"neutral","sentiment_score":-0.015156390544559275}],"sentiment":"neutral","sentiment_score":0.04214694995213957,"num_words":85,"start":592.43,"end":622.555},{"sentences":[{"text":"With Plum, if we update the portfolio the way I'm wanting to, it makes it slightly more aggressive in line with the high growth.","start":624.71,"end":631.77,"sentiment":"neutral","sentiment_score":0.0928452357960244},{"text":"It's a little bit more expensive, but the portfolio switch within hub is less expensive.","start":631.83,"end":636.49005,"sentiment":"neutral","sentiment_score":0.06314104069024325},{"text":"So they kind of even each other out overall.","start":636.735,"end":639.075,"sentiment":"neutral","sentiment_score":0.062125269737508565},{"text":"So I'm doing a slight update to both, which I'll show you on the next one.","start":644.575,"end":647.77496,"sentiment":"neutral","sentiment_score":0.022888868756126612},{"text":"But just as a an idea on the fee impact, there'll be a reduction of investment fees within Hub, an increase in investment fees with Plum, and it kind of evens out to be about the same.","start":647.77496,"end":658.87,"sentiment":"neutral","sentiment_score":0.08573522861744906}],"sentiment":"neutral","sentiment_score":0.07200944609940052,"num_words":101,"start":624.71,"end":658.87},{"sentences":[{"text":"No.","start":664.185,"end":664.505,"sentiment":"neutral","sentiment_score":-0.04533679783344269},{"text":"So that's $500.","start":664.505,"end":666.10504,"sentiment":"neutral","sentiment_score":-0.015015575724343458},{"text":"We've got a new tiered fee structure for Oakview for adviser service fees.","start":666.10504,"end":670.685,"sentiment":"neutral","sentiment_score":0.08905734121799469},{"text":"So everyone above 200,000 starts to get discounts, and there's another discount after 500,000, which you're getting pretty close to.","start":671.065,"end":679.83997,"sentiment":"neutral","sentiment_score":0.1240697007626295},{"text":"So that's the fee savings there.","start":679.83997,"end":681.86,"sentiment":"neutral","sentiment_score":0.07690253543357055}],"sentiment":"neutral","sentiment_score":0.09325979392282492,"num_words":43,"start":664.185,"end":681.86},{"sentences":[{"text":"Yep.","start":683.51996,"end":684.01996,"sentiment":"neutral","sentiment_score":0.07055431604385376},{"text":"Down the correct.","start":684.32,"end":690.555,"sentiment":"neutral","sentiment_score":0.06000235676765442},{"text":"At the bottom there, the averages, I've got a split table after this one, but, basically, the five year rolling average still sits at that 13% when I factor in both funds.","start":694.315,"end":704.095,"sentiment":"neutral","sentiment_score":0.144951326190494},{"text":"But if you go to the next page, I've got a full breakdown for you just so you can see what's going on.","start":705.435,"end":709.75,"sentiment":"neutral","sentiment_score":0.10738528519868851},{"text":"Yep.","start":718.45,"end":718.905,"sentiment":"neutral","sentiment_score":0.2550360858440399}],"sentiment":"neutral","sentiment_score":0.12689835783094167,"num_words":60,"start":683.51996,"end":718.905},{"sentences":[{"text":"Overall, if we maintain that high growth, you you're pretty well almost fully invested.","start":719.78503,"end":724.28503,"sentiment":"positive","sentiment_score":0.3896889345986502},{"text":"If we maintain that, you're gonna be soaring up to the mill pretty, pretty quickly, and then there's a measure of reducing the risk.","start":724.74506,"end":731.58,"sentiment":"positive","sentiment_score":0.39965881283084553},{"text":"So like I spoke about last year, fourteen years to go, let's do seven years of huge growth and then seven years of slowly reducing the risk down so you don't lose all of it, you know, a year before you retire.","start":731.9,"end":743.04004,"sentiment":"neutral","sentiment_score":0.20620784252172425},{"text":"Essentially, two market cycles.","start":745.26,"end":746.8,"sentiment":"neutral","sentiment_score":0.1516142524778843},{"text":"We're gonna use the volatility at the moment as a bit of a buying opportunity.","start":747.065,"end":750.685,"sentiment":"neutral","sentiment_score":0.2140697121620178}],"sentiment":"neutral","sentiment_score":0.2780372592987436,"num_words":99,"start":719.78503,"end":750.685},{"sentences":[{"text":"Cool.","start":752.58496,"end":753.08496,"sentiment":"neutral","sentiment_score":0.17045654356479645},{"text":"Correct.","start":766.89,"end":767.37,"sentiment":"neutral","sentiment_score":0.11558464169502258},{"text":"So with the performance with the low, I have color coded it a little bit just so you can see what's going on.","start":767.37,"end":772.25,"sentiment":"neutral","sentiment_score":0.15178660562504892},{"text":"The benchmark we're aiming for is same page as the projections.","start":772.25,"end":776.53503,"sentiment":"neutral","sentiment_score":0.03175985019929199},{"text":"Yes.","start":781.155,"end":781.655,"sentiment":"neutral","sentiment_score":0.10702431201934814}],"sentiment":"neutral","sentiment_score":0.11441934537425688,"num_words":37,"start":752.58496,"end":781.655},{"sentences":[{"text":"So in there, 9% is kind of the minimum benchmark that you want for your risk profile.","start":781.875,"end":787.38,"sentiment":"neutral","sentiment_score":0.1206313191967852},{"text":"Currently, both Plum and Hub got hit with the market drops recently, so a bit below that.","start":789.62,"end":794.68,"sentiment":"neutral","sentiment_score":-0.1311375233618652},{"text":"The long term was getting a little bit laggy.","start":794.98,"end":797.24,"sentiment":"neutral","sentiment_score":-0.2226373271809684},{"text":"But once we update both portfolios, you should be pretty well in double digits across all the time frames, except the plums just slightly slightly lagging, but it'll bump up quite a bit as well.","start":797.54,"end":808.695,"sentiment":"neutral","sentiment_score":0.06461795797305447},{"text":"The investments themselves on the next page, I have done and, oh, I apologize for rainbowing this one, but easiest way to understand it.","start":811.395,"end":819.02,"sentiment":"neutral","sentiment_score":0.11051853109772007}],"sentiment":"neutral","sentiment_score":0.026781684901638358,"num_words":102,"start":781.875,"end":819.02},{"sentences":[{"text":"Plumb Super, I'm recommending you go from their growth option to their MLC high growth.","start":820.44,"end":824.78,"sentiment":"neutral","sentiment_score":0.20865906576315563},{"text":"They have some really good options, to be honest, like top 10 in the industry kinda thing that when, you know, news articles, they're high growth.","start":827.08,"end":835.01495,"sentiment":"positive","sentiment_score":0.4039841913259946},{"text":"They just shade up your growth assets by about 10% within there and bumps up the returns 2% average over ten years, which is huge.","start":835.01495,"end":842.07495,"sentiment":"positive","sentiment_score":0.42745168089866636},{"text":"Inside the hub so I've been reconstructing everyone's portfolios this year given what's been going on, but yours, in particular, I'm not actually touching too much.","start":844.71,"end":853.29,"sentiment":"neutral","sentiment_score":0.0008961350585405643},{"text":"So see all the blue ones there in that second last the target weight percentages?","start":853.43,"end":857.61,"sentiment":"neutral","sentiment_score":0.024194160973032317}],"sentiment":"neutral","sentiment_score":0.2308969991542747,"num_words":107,"start":820.44,"end":857.61},{"sentences":[{"text":"I'm rebalancing most of them, selling off the Benelong option, which has been underperforming.","start":859.47504,"end":864.135,"sentiment":"neutral","sentiment_score":-0.09504677754427705},{"text":"I flagged it with you last year because it only grew a couple of percent, but it's actually been plummeting quite fast, a bit faster than the market has been.","start":864.67505,"end":873.09503,"sentiment":"neutral","sentiment_score":-0.16988196317106485},{"text":"So I'm replacing that with the bottom option, which is the Alfiniti Australian share in green.","start":874.64,"end":879.7,"sentiment":"neutral","sentiment_score":0.05453374038916081},{"text":"Basically, it reduces the fees by 10% in comparison, and this one has been outperforming the Aussie market over one, three, five, and ten years.","start":880.96,"end":888.435,"sentiment":"neutral","sentiment_score":0.32978338181972505},{"text":"So it's just a straight up sidestep into someone who's doing much better.","start":888.435,"end":892.135,"sentiment":"neutral","sentiment_score":0.19412935754427543}],"sentiment":"neutral","sentiment_score":0.053200941418810765,"num_words":98,"start":859.47504,"end":892.135},{"sentences":[{"text":"Everything else is perfect.","start":893.795,"end":894.995,"sentiment":"positive","sentiment_score":0.7070933729410172},{"text":"You've got battery tech and lithium.","start":894.995,"end":896.515,"sentiment":"positive","sentiment_score":0.5653721491495768},{"text":"Electric vehicles has been soaring up massively.","start":896.515,"end":898.695,"sentiment":"positive","sentiment_score":0.6860266072409493},{"text":"Even the China shares have been up.","start":899.395,"end":901.335,"sentiment":"positive","sentiment_score":0.40119114092418123},{"text":"The Nasdaq, you've got all the tech stocks, and AI exposure has been huge.","start":901.555,"end":906.10004,"sentiment":"positive","sentiment_score":0.4417273678949901}],"sentiment":"positive","sentiment_score":0.5267187835354554,"num_words":38,"start":893.795,"end":906.10004},{"sentences":[{"text":"Everything is brilliant inside the portfolio.","start":906.4,"end":908.82,"sentiment":"positive","sentiment_score":0.7693755427996317},{"text":"The only one to watch is just the Australian property option.","start":909.2,"end":912.10004,"sentiment":"neutral","sentiment_score":-0.018362410027872436},{"text":"With the CGT negative gearing changes, it got hit a little bit.","start":912.88,"end":916.455,"sentiment":"neutral","sentiment_score":-0.17832527682185173},{"text":"I'm gonna keep an eye on that one and see if we need to switch that out next year as well.","start":917.015,"end":921.03503,"sentiment":"neutral","sentiment_score":-0.07834344853957494},{"text":"Yes.","start":931.895,"end":932.395,"sentiment":"neutral","sentiment_score":0.006232289597392082}],"sentiment":"neutral","sentiment_score":0.012458495978339045,"num_words":51,"start":906.4,"end":932.395},{"sentences":[{"text":"So Ben Long's being a full sell.","start":932.67,"end":934.75,"sentiment":"neutral","sentiment_score":0.02634770636047636},{"text":"Everything else is either a buy or a sell just to bring it back to the weightings that it should be based on the original model portfolio.","start":934.75,"end":940.69,"sentiment":"neutral","sentiment_score":0.021950592873273073},{"text":"Exactly.","start":949.405,"end":949.885,"sentiment":"neutral","sentiment_score":0.04038263484835625},{"text":"Right.","start":949.885,"end":950.28503,"sentiment":"neutral","sentiment_score":0.04712922126054764},{"text":"So then along goes it goes into Afiniti.","start":950.28503,"end":953.105,"sentiment":"neutral","sentiment_score":0.03168442961759865}],"sentiment":"neutral","sentiment_score":0.025411073753440924,"num_words":44,"start":932.67,"end":953.105},{"sentences":[{"text":"Everyone else, we bring it down from, you know, 5.2% back to five or up from three and a half back to six and where they should be in comparison to each other.","start":953.325,"end":962.39,"sentiment":"neutral","sentiment_score":0.03181912995536219},{"text":"So I just call that a rebalance, really.","start":964.13,"end":966.15,"sentiment":"neutral","sentiment_score":-0.003115470055490732},{"text":"And that's sorry.","start":969.25,"end":970.53,"sentiment":"neutral","sentiment_score":-0.10381592313448589},{"text":"Last table is page 19 at the bottom, 20 on the software.","start":970.53,"end":974.785,"sentiment":"neutral","sentiment_score":-0.02326312513711552},{"text":"You've got growth allocation pie chart.","start":975.565,"end":978.545,"sentiment":"neutral","sentiment_score":-0.001710414110372464}],"sentiment":"neutral","sentiment_score":0.006842576973741093,"num_words":62,"start":953.325,"end":978.545},{"sentences":[{"text":"Yeah.","start":986.45,"end":986.61,"sentiment":"neutral","sentiment_score":0.027754399925470352},{"text":"So middle row in gray, there's a growth total.","start":986.61,"end":989.01,"sentiment":"neutral","sentiment_score":0.026344771807392437},{"text":"You need 90 to a 100% to be high growth.","start":989.01,"end":991.91,"sentiment":"neutral","sentiment_score":0.05611909739673138},{"text":"You're sitting at the top end at 97 currently.","start":991.97,"end":994.79,"sentiment":"neutral","sentiment_score":0.07855485897097322},{"text":"Once we fix it up, it'll be 98 and a half.","start":995.08997,"end":997.83,"sentiment":"neutral","sentiment_score":0.021754873577844013}],"sentiment":"neutral","sentiment_score":0.04430864150635898,"num_words":40,"start":986.45,"end":997.83},{"sentences":[{"text":"No.","start":1000.88495,"end":1001.125,"sentiment":"neutral","sentiment_score":-0.14124196767807007},{"text":"You're right.","start":1001.125,"end":1002.425,"sentiment":"neutral","sentiment_score":-0.056837551295757294},{"text":"19 with the pie chart.","start":1002.725,"end":1004.26495,"sentiment":"neutral","sentiment_score":-0.021503162756562232},{"text":"Should have a yeah.","start":1014.49,"end":1025.4501,"sentiment":"neutral","sentiment_score":-0.026835419237613678},{"text":"Yep.","start":1025.4501,"end":1025.6901,"sentiment":"neutral","sentiment_score":0.03711627423763275}],"sentiment":"neutral","sentiment_score":-0.03328140667424752,"num_words":13,"start":1000.88495,"end":1025.6901},{"sentences":[{"text":"That's the one.","start":1025.6901,"end":1026.25,"sentiment":"neutral","sentiment_score":0.005978028600414594},{"text":"Sorry.","start":1026.25,"end":1026.5701,"sentiment":"neutral","sentiment_score":-0.06658286601305008},{"text":"Difference between the old Gmail and the document.","start":1026.5701,"end":1030.035,"sentiment":"neutral","sentiment_score":-0.07171478867530823},{"text":"Yes.","start":1044.515,"end":1044.755,"sentiment":"neutral","sentiment_score":0.07307285070419312},{"text":"That's the one.","start":1044.755,"end":1045.41,"sentiment":"neutral","sentiment_score":0.04784918203949928}],"sentiment":"neutral","sentiment_score":-0.025359168299473822,"num_words":16,"start":1025.6901,"end":1045.41},{"sentences":[{"text":"Middle row of the table that's under the pie chart should say growth total, and it's kind of a gray bar.","start":1051.65,"end":1056.7101,"sentiment":"neutral","sentiment_score":0.0037795085448860412},{"text":"Yep.","start":1059.5701,"end":1059.885,"sentiment":"neutral","sentiment_score":0.1772269904613495},{"text":"So we still keep it to the top end of high growth.","start":1059.965,"end":1062.705,"sentiment":"neutral","sentiment_score":0.2992695818344752},{"text":"The slight change in the MLC plum, that'll get you up a tiny bit.","start":1063.325,"end":1067.485,"sentiment":"neutral","sentiment_score":0.15438772525106156},{"text":"But, again, we're just keeping you pretty much fully invested at this point.","start":1067.485,"end":1070.9451,"sentiment":"positive","sentiment_score":0.3462354792998387}],"sentiment":"neutral","sentiment_score":0.17230034485787582,"num_words":61,"start":1051.65,"end":1070.9451},{"sentences":[{"text":"Minimum cash balance is 1.25 for hub, that kind of thing.","start":1073.165,"end":1076.89,"sentiment":"neutral","sentiment_score":0.17894713174213062},{"text":"And that's pretty much the plan.","start":1078.71,"end":1079.83,"sentiment":"positive","sentiment_score":0.343726525704066},{"text":"Everything after this is just, you know, keep your plumb super.","start":1079.83,"end":1082.15,"sentiment":"neutral","sentiment_score":0.2359681764448231},{"text":"Here's your updated figures for the life TPD, updated premiums, impact tables for that one, some reminders for, I don't know if you end up putting a a will in place.","start":1082.15,"end":1092.945,"sentiment":"neutral","sentiment_score":0.0278317081711946},{"text":"It does.","start":1099.085,"end":1099.745,"sentiment":"neutral","sentiment_score":0.019313838332891464}],"sentiment":"neutral","sentiment_score":0.12340718318448692,"num_words":61,"start":1073.165,"end":1099.745},{"sentences":[{"text":"Yep.","start":1113.02,"end":1113.5,"sentiment":"neutral","sentiment_score":0.04677911847829819},{"text":"No worries.","start":1113.5,"end":1114.24,"sentiment":"neutral","sentiment_score":0.07064875960350037},{"text":"I'll put it out on file, but that's still sort of pending.","start":1114.46,"end":1116.8,"sentiment":"neutral","sentiment_score":0.040641186836486064},{"text":"And I'll have a quick look at the hub account at the moment.","start":1117.205,"end":1120.105,"sentiment":"neutral","sentiment_score":0.09516162998401202},{"text":"But you've got Joe listed for the beneficiaries, which I'm assuming you're not changing at this point.","start":1120.965,"end":1126.105,"sentiment":"neutral","sentiment_score":0.018239067840006423}],"sentiment":"neutral","sentiment_score":0.049398582728786604,"num_words":45,"start":1113.02,"end":1126.105},{"sentences":[{"text":"Cool.","start":1128.405,"end":1128.905,"sentiment":"neutral","sentiment_score":0.11400414258241652},{"text":"So so far, I haven't had to do too much of an overhaul to get you there.","start":1129.125,"end":1132.99,"sentiment":"neutral","sentiment_score":0.02781888426226728},{"text":"It's basically two sports cars, change a tire here, switch some fuel across.","start":1132.99,"end":1137.33,"sentiment":"neutral","sentiment_score":0.022309105986585982},{"text":"What do you think so far?","start":1138.35,"end":1139.73,"sentiment":"neutral","sentiment_score":0.052957299475868545},{"text":"Yeah.","start":1149.325,"end":1149.565,"sentiment":"neutral","sentiment_score":0.024501880630850792}],"sentiment":"neutral","sentiment_score":0.032083927114543165,"num_words":38,"start":1128.405,"end":1149.565},{"sentences":[{"text":"And just as a quick recap too.","start":1149.565,"end":1151.245,"sentiment":"neutral","sentiment_score":0.030395963894469396},{"text":"So last year when I spoke to you, you'd had this huge, like, 18% growth, which was brilliant.","start":1151.245,"end":1155.665,"sentiment":"neutral","sentiment_score":0.27399127764834297},{"text":"And we're still averaging at 9.48 after fees across the since you've become a client.","start":1156.125,"end":1162.2201,"sentiment":"neutral","sentiment_score":-0.026782874142130216},{"text":"But this year's it's dropped twice, once in March and once last month as well.","start":1162.52,"end":1166.86,"sentiment":"neutral","sentiment_score":-0.3270230770111084},{"text":"Pretty much.","start":1185.415,"end":1185.9751,"sentiment":"neutral","sentiment_score":0.006703898310661316}],"sentiment":"neutral","sentiment_score":-0.0026152057148385466,"num_words":57,"start":1149.565,"end":1185.9751},{"sentences":[{"text":"$4.82 would be the $10 across plus the balance when we did the research and then leaving 12 in plum.","start":1185.9751,"end":1194.0399,"sentiment":"neutral","sentiment_score":0.0447259761981274},{"text":"But let me Apologies.","start":1195.46,"end":1215.83,"sentiment":"neutral","sentiment_score":-0.08058157889172435},{"text":"So the way we break these ones up, hub, you need a 100% allocation when you do the switches.","start":1216.13,"end":1221.19,"sentiment":"neutral","sentiment_score":-0.012792089659916727},{"text":"It also doesn't include the cash on that next table, the 6,100.","start":1221.25,"end":1225.095,"sentiment":"neutral","sentiment_score":-0.07897124191125234},{"text":"Yes.","start":1230.215,"end":1230.715,"sentiment":"neutral","sentiment_score":0.0639435350894928}],"sentiment":"neutral","sentiment_score":-0.010896251621571455,"num_words":56,"start":1185.9751,"end":1230.715},{"sentences":[{"text":"Yeah.","start":1233.335,"end":1233.835,"sentiment":"neutral","sentiment_score":0.09078234434127808},{"text":"Pretty much.","start":1234.2949,"end":1235.115,"sentiment":"neutral","sentiment_score":0.1702144891023636},{"text":"Your again, your balance is fluctuating about $10 every week or so.","start":1235.4149,"end":1239.67,"sentiment":"neutral","sentiment_score":0.007130063294122617},{"text":"So take that with a grain of salt.","start":1239.67,"end":1241.53,"sentiment":"neutral","sentiment_score":-0.01830856641754508},{"text":"Absolutely.","start":1251.11,"end":1251.61,"sentiment":"neutral","sentiment_score":0.3283149003982544}],"sentiment":"neutral","sentiment_score":0.0291091021305571,"num_words":24,"start":1233.335,"end":1251.61},{"sentences":[{"text":"Everything else there.","start":1252.6649,"end":1253.5449,"sentiment":"neutral","sentiment_score":0.17985999584197998},{"text":"So the document pack that I sent you, so that'll include an ongoing consent form for Hub twenty four.","start":1253.5449,"end":1262.5249,"sentiment":"neutral","sentiment_score":0.1577774254899276},{"text":"That's got the new tiered fee structure for Oakview on it.","start":1262.585,"end":1265.7,"sentiment":"neutral","sentiment_score":0.15660165656696667},{"text":"There's basically a split in how we've got to implement this.","start":1265.94,"end":1269.48,"sentiment":"neutral","sentiment_score":0.10585835914720189},{"text":"Once you sign that online pack for the statement of advice and the the consent form, we will jump on to Hub and do all the trades on a Friday to switch everything around.","start":1269.7799,"end":1279.625,"sentiment":"neutral","sentiment_score":0.14634190412128673}],"sentiment":"neutral","sentiment_score":0.1461543074976175,"num_words":78,"start":1252.6649,"end":1279.625},{"sentences":[{"text":"But then you'll get that posted pack with the investment for switch for plum and the opt in for the insurances.","start":1280.805,"end":1286.8251,"sentiment":"neutral","sentiment_score":0.14012090684402556},{"text":"Yep.","start":1294.33,"end":1294.83,"sentiment":"neutral","sentiment_score":0.15689650177955627},{"text":"Yes.","start":1306.6649,"end":1307.1649,"sentiment":"neutral","sentiment_score":-0.011713528074324133},{"text":"Outside of that, everything else is attachments at the bottom for all the product documents.","start":1307.625,"end":1311.565,"sentiment":"neutral","sentiment_score":0.05102169662714005},{"text":"There's only three documents inside the digital system.","start":1311.7849,"end":1314.6649,"sentiment":"neutral","sentiment_score":0.060931069776415825}],"sentiment":"neutral","sentiment_score":0.09435860924017818,"num_words":46,"start":1280.805,"end":1314.6649},{"sentences":[{"text":"One's the advice document itself with the authority to proceed, the appendix with the research, and the consent form.","start":1314.6649,"end":1322.6901,"sentiment":"neutral","sentiment_score":0.08333966214405863},{"text":"That's all we need from you until you get that back in the mail.","start":1322.6901,"end":1325.83,"sentiment":"neutral","sentiment_score":0.11358544815863882},{"text":"Yeah.","start":1333.285,"end":1333.685,"sentiment":"neutral","sentiment_score":0.0920305848121643},{"text":"You can go through all 491 pages of investment options for Hub or one thousand 300 of them.","start":1333.685,"end":1338.985,"sentiment":"neutral","sentiment_score":0.04750704444530937},{"text":"Hey.","start":1341.525,"end":1341.765,"sentiment":"neutral","sentiment_score":0.0025724535807967186}],"sentiment":"neutral","sentiment_score":0.07779961685597334,"num_words":53,"start":1314.6649,"end":1341.765},{"sentences":[{"text":"You'd be surprised how many times I've done it.","start":1341.765,"end":1343.55,"sentiment":"neutral","sentiment_score":-0.018182571304755077},{"text":"It.","start":1353.7101,"end":1354.2101,"sentiment":"neutral","sentiment_score":0.1849920153617859},{"text":"Yeah.","start":1361.965,"end":1362.2849,"sentiment":"neutral","sentiment_score":0.23262809216976169},{"text":"That's pretty much it.","start":1362.2849,"end":1363.5049,"sentiment":"neutral","sentiment_score":0.3214358910918236},{"text":"We still got an ID on file until 2029, so I'll certify that with all the implementation.","start":1365.4049,"end":1369.985,"sentiment":"positive","sentiment_score":0.3382260852000293}],"sentiment":"neutral","sentiment_score":0.227798874329892,"num_words":32,"start":1341.765,"end":1369.985},{"sentences":[{"text":"I'll update all of your details on file for, like, the home value, the shares, the savings, the income, and the way the contributions work, and then we should be good to go.","start":1370.6,"end":1382.38,"sentiment":"positive","sentiment_score":0.3427189909147494},{"text":"Awesome.","start":1392.305,"end":1392.805,"sentiment":"neutral","sentiment_score":0.029117196798324585},{"text":"Yeah.","start":1400.3899,"end":1400.8899,"sentiment":"neutral","sentiment_score":-0.07000422477722168},{"text":"Yeah.","start":1408.5499,"end":1408.965,"sentiment":"neutral","sentiment_score":-0.0802328884601593},{"text":"So three thoughts there.","start":1435.47,"end":1436.865,"sentiment":"neutral","sentiment_score":0.2536115124821663}],"sentiment":"neutral","sentiment_score":0.30507632084190844,"num_words":40,"start":1370.6,"end":1436.865},{"sentences":[{"text":"If they can split where they go, that's fantastic because, obviously, dollar cost averaging means it comes in regularly, gets invested regularly, and that's much better than just doing a one off investment every six to twelve months.","start":1437.505,"end":1448.005,"sentiment":"positive","sentiment_score":0.5282500790137994},{"text":"If they can't do that, just do a diploma.","start":1448.945,"end":1450.865,"sentiment":"neutral","sentiment_score":0.040633703064587384},{"text":"We'll sweep it across.","start":1450.865,"end":1451.88,"sentiment":"neutral","sentiment_score":0.11735566891729832},{"text":"The idea of obviously, if you put the money in, more funds invested, compounding interest, 15% tax rate for salary sacrifice, but locked away until 60 or above.","start":1453.88,"end":1466.445,"sentiment":"neutral","sentiment_score":0.061535589663045745},{"text":"Yeah.","start":1486.6499,"end":1487.1499,"sentiment":"neutral","sentiment_score":-0.04157283529639244}],"sentiment":"neutral","sentiment_score":0.2823756585130468,"num_words":80,"start":1437.505,"end":1487.1499},{"sentences":[{"text":"Yeah.","start":1509.5651,"end":1509.885,"sentiment":"neutral","sentiment_score":0.05970172211527824},{"text":"And then again, just how payroll handles it.","start":1509.885,"end":1512.23,"sentiment":"neutral","sentiment_score":0.045746969524770975},{"text":"If they're okay to split it or do it one way, we'll adjust to whatever you need.","start":1512.23,"end":1516.57,"sentiment":"neutral","sentiment_score":0.10891937026206185},{"text":"If you asked me twelve months ago, I would have said, hey.","start":1517.4299,"end":1519.99,"sentiment":"neutral","sentiment_score":0.006294424267252907},{"text":"You can also consider investing personally because that way you can access it within the twelve years.","start":1519.99,"end":1524.885,"sentiment":"positive","sentiment_score":0.4464411419980666}],"sentiment":"neutral","sentiment_score":0.18076980505350299,"num_words":55,"start":1509.5651,"end":1524.885},{"sentences":[{"text":"But after the CGT changes, losing that 50% discount's a bit rough compared to super.","start":1525.285,"end":1530.725,"sentiment":"neutral","sentiment_score":-0.27046205699443815},{"text":"So if you want to invest for the next ten years, we can do that.","start":1530.725,"end":1534.745,"sentiment":"positive","sentiment_score":0.47273589819669726},{"text":"If it's just for boosting up retirement quicker, then go for it.","start":1534.805,"end":1540.11,"sentiment":"positive","sentiment_score":0.5181039472421011},{"text":"I'll double check the dates for you, but because you've held the assets for so long, it should be pretty well prorated.","start":1564.19,"end":1569.33,"sentiment":"neutral","sentiment_score":0.19505789198658682},{"text":"It's not like one of those things where if you don't sell it, they just flip it across and you, you know, you're out of it.","start":1569.39,"end":1574.19,"sentiment":"neutral","sentiment_score":-0.12090814041976745}],"sentiment":"neutral","sentiment_score":0.11554463286366727,"num_words":90,"start":1525.285,"end":1574.19},{"sentences":[{"text":"They tend to grandfather a lot of it, especially with properties too.","start":1574.19,"end":1578.145,"sentiment":"neutral","sentiment_score":0.11432482053836186},{"text":"Yeah.","start":1589.725,"end":1589.965,"sentiment":"neutral","sentiment_score":0.21939384937286377},{"text":"Right.","start":1589.965,"end":1590.3,"sentiment":"neutral","sentiment_score":0.25009503960609436},{"text":"Yeah.","start":1616.935,"end":1617.3351,"sentiment":"neutral","sentiment_score":0.12055358290672302},{"text":"Chase.","start":1617.3351,"end":1617.81,"sentiment":"neutral","sentiment_score":0.1035975068807602}],"sentiment":"neutral","sentiment_score":0.12909611407667398,"num_words":16,"start":1574.19,"end":1617.81},{"sentences":[{"text":"Yeah.","start":1654.6,"end":1655.1,"sentiment":"neutral","sentiment_score":-0.007868578657507896},{"text":"So keep it split in in two ideas.","start":1655.32,"end":1657.96,"sentiment":"neutral","sentiment_score":0.006683742278255522},{"text":"Right?","start":1657.96,"end":1658.28,"sentiment":"neutral","sentiment_score":0.005976425483822823},{"text":"So recently, you've gotta think of timing for CGT and and taxes and all that kind of thing.","start":1658.28,"end":1664.545,"sentiment":"neutral","sentiment_score":-0.011693465212980906},{"text":"Currently, beautiful.","start":1666.125,"end":1667.345,"sentiment":"positive","sentiment_score":0.46370887756347656}],"sentiment":"neutral","sentiment_score":0.025617105544855197,"num_words":30,"start":1654.6,"end":1667.345},{"sentences":[{"text":"Great capital growth.","start":1667.405,"end":1668.365,"sentiment":"positive","sentiment_score":0.7116788029670715},{"text":"Great dividends.","start":1668.365,"end":1669.105,"sentiment":"positive","sentiment_score":0.6934807002544403},{"text":"It's just a good asset.","start":1669.3251,"end":1670.525,"sentiment":"positive","sentiment_score":0.6122374415397644},{"text":"If you skip ahead ten years, will that company will that sector still be doing its thing?","start":1670.525,"end":1675.5199,"sentiment":"neutral","sentiment_score":0.034218492315096015},{"text":"You kind of don't really know.","start":1675.5199,"end":1677.5199,"sentiment":"neutral","sentiment_score":-0.05178936136265596}],"sentiment":"neutral","sentiment_score":0.20770191570574587,"num_words":33,"start":1667.405,"end":1677.5199},{"sentences":[{"text":"People have ideas and inklings.","start":1677.5199,"end":1679.0599,"sentiment":"neutral","sentiment_score":-0.04207034558057785},{"text":"So it's either idea of just sell it while it's a profit, get it out over and done with just to simplify your finances a little bit so you're not having to constantly watch it every six to twelve months and say, oh, is it now the right time to do it?","start":1685.6799,"end":1696.595,"sentiment":"neutral","sentiment_score":0.018858074300134413},{"text":"If you just go, look.","start":1696.595,"end":1697.315,"sentiment":"neutral","sentiment_score":-0.016493378207087517},{"text":"I've I've gotten enough out of it.","start":1697.315,"end":1698.595,"sentiment":"neutral","sentiment_score":-0.015748688685042516},{"text":"It's time.","start":1698.595,"end":1699.335,"sentiment":"neutral","sentiment_score":0.0064160877373069525}],"sentiment":"neutral","sentiment_score":0.00831538872321097,"num_words":71,"start":1677.5199,"end":1699.335},{"sentences":[{"text":"If you're still getting something out of it with the dividends where you're like, I need the cash flow, then keep it.","start":1699.475,"end":1704.32,"sentiment":"neutral","sentiment_score":0.04114530399039557},{"text":"And if you can afford to wait, you know, fifteen years until your income's gone because you're retired, then you could possibly sell it then and pay less because you've got low low income.","start":1704.7799,"end":1714.1599,"sentiment":"neutral","sentiment_score":-0.050498937694903684},{"text":"So I can't give you the answer, but some thoughts.","start":1717.0199,"end":1719.555,"sentiment":"neutral","sentiment_score":-0.18309155963361262},{"text":"Yeah.","start":1729.635,"end":1730.135,"sentiment":"neutral","sentiment_score":0.03961198031902313},{"text":"Oh, yeah?","start":1737.33,"end":1737.97,"sentiment":"neutral","sentiment_score":0.043618643656373024}],"sentiment":"neutral","sentiment_score":-0.036461355399164924,"num_words":69,"start":1699.475,"end":1737.97},{"sentences":[{"text":"Yeah.","start":1737.97,"end":1738.47,"sentiment":"neutral","sentiment_score":0.025303222239017487},{"text":"Cool.","start":1739.8899,"end":1740.3899,"sentiment":"neutral","sentiment_score":0.3319714069366455},{"text":"Beautiful.","start":1749.165,"end":1749.485,"sentiment":"positive","sentiment_score":0.6068769693374634},{"text":"Mate, if there's any other questions, you give us a buzz, especially when you get those forms.","start":1749.485,"end":1752.9249,"sentiment":"neutral","sentiment_score":0.20350420475006104},{"text":"If there's anything amiss, just give us a buzz.","start":1752.9249,"end":1754.945,"sentiment":"neutral","sentiment_score":0.10377389192581177}],"sentiment":"neutral","sentiment_score":0.18474786574470586,"num_words":29,"start":1737.97,"end":1754.945},{"sentences":[{"text":"In terms of catch ups, do you want me to just pencil in again just, like, a twelve month review while we do the six month sweeps if the balance is big enough, or do you want me to put in, like, quarterly catch ups?","start":1755.965,"end":1766.87,"sentiment":"neutral","sentiment_score":0.03880074558158716},{"text":"Is there a bit more to do for you?","start":1766.87,"end":1769.77,"sentiment":"neutral","sentiment_score":0.018659719679918554},{"text":"Cool.","start":1774.885,"end":1775.385,"sentiment":"neutral","sentiment_score":0.20793265104293823},{"text":"I'll be keeping an eye on things.","start":1776.165,"end":1777.865,"sentiment":"neutral","sentiment_score":0.1768633382661002},{"text":"Look.","start":1778.245,"end":1778.645,"sentiment":"neutral","sentiment_score":0.07983749359846115}],"sentiment":"neutral","sentiment_score":0.054599754615790315,"num_words":63,"start":1755.965,"end":1778.645},{"sentences":[{"text":"I'll I'll be honest with you.","start":1778.645,"end":1780.105,"sentiment":"neutral","sentiment_score":0.05132234034438928},{"text":"While the world goes up and down like a yo yo, I watch it every single day, but we're not gonna be jumping at every single news event that happens.","start":1780.3251,"end":1787.98,"sentiment":"neutral","sentiment_score":-0.012210108836491903},{"text":"So please expect that that you're about to crest 500,000.","start":1788.2799,"end":1792.22,"sentiment":"neutral","sentiment_score":0.030884692445397377},{"text":"Wouldn't surprise me if you're sitting at four twelve and then 600 within the period of nine to twelve months.","start":1792.5199,"end":1797.435,"sentiment":"neutral","sentiment_score":0.0013190474826842546},{"text":"It's kinda part of the game at this point.","start":1798.635,"end":1800.7351,"sentiment":"neutral","sentiment_score":0.07718499542938338}],"sentiment":"neutral","sentiment_score":0.012953648132582506,"num_words":75,"start":1778.645,"end":1800.7351},{"sentences":[{"text":"Yeah.","start":1808.3151,"end":1808.8151,"sentiment":"neutral","sentiment_score":-0.12244553864002228},{"text":"Yeah.","start":1818.6101,"end":1818.8501,"sentiment":"neutral","sentiment_score":0.1737276315689087},{"text":"It's just people you know, it's very comfortable when you're 18 years old.","start":1818.8501,"end":1822.05,"sentiment":"neutral","sentiment_score":0.21038099435659555},{"text":"You've got your first $15 in super.","start":1822.05,"end":1823.7301,"sentiment":"neutral","sentiment_score":0.1910182067326137},{"text":"It goes up and down.","start":1823.7301,"end":1824.53,"sentiment":"neutral","sentiment_score":-0.00809469148516655}],"sentiment":"neutral","sentiment_score":0.15121811145433672,"num_words":27,"start":1808.3151,"end":1824.53},{"sentences":[{"text":"Who really cares?","start":1824.53,"end":1825.305,"sentiment":"neutral","sentiment_score":-0.09709690635402997},{"text":"Once you've got $500,000 sitting there fluctuating a $100 every six months, it becomes very real.","start":1825.385,"end":1831.0651,"sentiment":"neutral","sentiment_score":0.04045269871130586},{"text":"But like I said, our plan is basically finish off growth for seven years, and then we'll time with you.","start":1831.0651,"end":1836.3451,"sentiment":"neutral","sentiment_score":0.1088261641561985},{"text":"If we overshoot the returns and get a huge amount of growth, we'll start to taper the risk off as you get closer to retirement anyways.","start":1836.3451,"end":1842.93,"sentiment":"neutral","sentiment_score":0.007504155572790366},{"text":"Awesome, mate.","start":1845.63,"end":1846.27,"sentiment":"positive","sentiment_score":0.7802975177764893}],"sentiment":"neutral","sentiment_score":0.06400266901325824,"num_words":67,"start":1824.53,"end":1846.27},{"sentences":[{"text":"Thank you so much for your time, and I'll talk to you again soon.","start":1846.27,"end":1849.89,"sentiment":"positive","sentiment_score":0.7572893074580601},{"text":"Thanks, Sal.","start":1851.71,"end":1852.61,"sentiment":"neutral","sentiment_score":0.31784070655703545}],"sentiment":"positive","sentiment_score":0.702358232345432,"num_words":16,"start":1846.27,"end":1852.61}]}}]},{"alternatives":[{"transcript":"Hold on, sweetie. Good. Thanks, man. Yeah. Yeah. Yeah. I'll are you what email address do you have? I've got I'm sitting at work. Can you copy in my work email address so I can just open it straight up on the computer or not? Yeah. Yeah. Yeah. Just send the plan because I'm sitting here with two monitors and I can obviously open what you're looking at. You know what I'm saying? Otherwise, you send it to me and I can just send it on to my work one and before we start looking at it sort of thing. I don't I don't mind. Whatever is easiest. Yeah. Sure. Twenty nine five seventy eight. Eight Sunnywell Place, seven one four one five three. Yeah, mate. That's fine. Yep. Yeah. Good. Good. We I was at the G last weekend. So I went to the G and watched the lines win. So that's the last fantastic. And then I had a concert with the wife as well in Melbourne. So we got back yesterday, actually. So yeah. No. All good. All good. So It's just it's just dale at and then ben, c b e n for Ben, the name Benjamin, b e n c e e, yep, dot com dot a u. Yeah. Sure. Yeah. That's cool. It's just yeah. Yeah. I mean, obviously, look at the monitors then. Yeah. I'm only at three. Yeah. I don't need to be looking at that during the call. I just is this a no other Dropbox signature stuff that I gotta do? Yes. That's come through now, I think, where our discussion is requested. Oh, yeah. That's come through to my wife one as well. Yeah. Called off that. Yep. Yep. Statement of advice would be paid for twenty first. Tell me. Yeah. Yeah. That's cool. So it is documented best interest duty. All standard. Yep. Yep. Yes. Yes. Yes. Yes. Yes. Yep. Yep. Yeah. That's cool. For some, baby. Sorry. For for the the plumbing you're talking about? Yes. Yeah. Again. Yep. Yep. No. That's cool. Yes. Yep. No. Yeah. Yep. What's the minimum what's the minimum what's the minimum we gotta leave in there? Is it just more about servicing the loan or is it oh, sorry. Servicing the fees or is it or is there a minimum that I need to maintain? Yep. Yeah. Yeah. Cool. Yeah. Yeah. Cool. Cool. No. That's all good. Yes. Yeah. $1.61, I think, or 01/6700. It's called one 61. Yeah. Yeah. Yeah. Actually actually sorry. Sorry. Sorry. Back up a sec. Sorry. With that, the actual contributions are based on $1.40 because $20 a car allowance, and I think that's the owner deliberately not giving me super on the extra 20. So so yeah. So it's actually one forty plus 20. Yeah. Round numbers. It might be $14,300 or something. But yeah. So it's only it's only $1.40 plus 20 plus 20 allowance. So for your purposes, I won't be getting super on the extra 20. You know what I'm saying? Yeah. Yeah. Yeah. Cool. Cool. Yeah. The yeah. The house is probably more like 1.5. The shares are more like $1.45. The car is yeah. Leave it at that because we've we've got we've Joe's got a salary tax plus car that she's got, but we've only got one car now. Well, we've got two cars, but we've only got one that that is debt free. The other one is a salary sacrifice that she's paying for, not me. So yeah. And then, yeah, the rest of that's fine, give or take. I think the the savings are probably closer to a 100 between us, but, yeah, we have school fees done of $40 a year next year. So yeah. Yeah. Yeah. Yeah. The insurance can go once the kids finish school, which he's he's going into grade five next year. But, you know, when he's in, like, grade eleven and twelve, like, at that point, it could go because we'll have enough. You know what I mean? Like, that last couple of years, I can go once I'm down to one kid. But at the moment, I'm still three kids at at okay. Yep. Yep. Yep. Yep. Cool. What's the old bathing thing that you're talking about? Sorry. Yeah. Cool. Yeah. Yeah. So is that something you can get to me and I just fill out? Is that Yep. Oh, please. So I just sign it and send it. Yeah. Yes. So I can cope. Awesome. Yes. Yep. Got it. Yes. Yep. Sorry. What are you changing? Sorry. Changing plumbing or changing hub? Okay. Yep. Yep. Yeah. Yeah. Right. Okay. So the total cost change is $500. Is that right? Okay. Alright. Okay. Yep. So deposit that's 500 deposited that's in the saving, not a not a in increase. Yeah. Right. Okay. So $8 goes to 70. Yeah. Cool. Okay. Cool. Yep. Yep. So in five years, $7.70 recommend. Yeah. Okay. 40 k extra. And then yeah. Right. Okay. Cool. Yeah. Yeah. Yeah. Yep. Makes sense. Yep. Okay. Yep. And is that changing the the investment strategy of whatever it is, the the package, I guess, or whatever you wanna call it? Is that is that what you're saying? Has been changing how it's how what shares it is that's in the in the portfolio? Yep. Whereabouts are you? Sorry. Are you on? Yeah. Recommended, where it's orange and green. Yep. Yep. Yep. Yep. Yep. Cool. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Yep. Yep. Okay. Yeah. Yep. Yeah. Cool. Yeah. Okay. Yep. That's it. Yep. That's probably all. One. So the negative that's in the buy sell, the negative means you're selling them to get the 96 k for an Alfiniti. Is that right? Yes. Yeah. Yeah. Yeah. Just the 20% on the bottom three and then that yeah. Then make sure the others. Is that is that right? Is that what I'm saying? Yep. Yeah. Yep. Yep. Yeah. Yeah. Yep. That makes sense. Yeah. The pie charts for a proposed asset allocation. Is that the one you're talking about? I I've lost you what page you were on. Sorry, mate. Sorry. So yeah. See, nineteen's got no pie chart. Twenty's got a pie chart which says proposed asset allocation. But on page 19, there's no pie chart, which down the bottom says page eight. It says page 18 on the on the like, on your footer. Is that the page you wanna be on, which is 19 on the on the on the Adobe or whatever? Yeah. No. That's cool. So looking at it, it says investment name. It says cash account, you know, your $6 or whatever. Underneath that, the page is blank. Like, there's no pie chart on that page. The first pie chart I see is proposed asset allocation. Oh, okay. So then okay. So and then where's the 97 or something that I was looking at? Got yeah. Got yeah. 97.65. Yeah. Got yeah. Sorry, mate. Yes. Yeah. Yeah. Yep. Yep. Yeah. Yep. We we spoke about it, and then, I don't know, life gets away. I'll I'll I'll print I'll print some yeah. No. I'll yeah. We've we've got we got a legal wheel kit thing. It's legal wheel kit. It's something similar at home. We just we just didn't do anything with. So I yeah. I need to do it. Yes. Yeah. No. No. No. Yeah. Yeah. No. No. It makes sense. If it's, yeah, if it's gonna it's gonna improve whatever the I mean, the the market's, yeah, a bit wishy washy this year. So yep. Yep. Okay. And so I'm just trying to find I I haven't looked at the balance for probably a couple of months. Like, I have definitely looked at it recently, but not recent recent. So the $4.82 is on the on the that's the $4.82 is roughly all of it together based on what this is saying roughly. Yeah. Yep. The $4.82, does that include the plumber? Or yeah. Or is that not in that table, it's hard to tell on the table on page 18. Does does the the $4.82 down the bottom, does that include the 12 at the top of the for the plum? Or is that just a subtotal for is that a total for the whole page or is it subtotal for for hub? Okay. So there's $4.82 plus 12 plus 6. Is that loosely what you're saying? So that's 500 on the on the button. Yes. Yeah. Yeah. Yeah. Yeah. No. I did all. Yeah. It it's yeah. It's up and down like a yo yo. So that's the market. Yep. Yep. Yep. So if I like, I'm looking at my emails now my sign because I got your speaker phone. No one's in the office. So if I if I go into this signature request one, this is just a so I just go into that sign document and just read through it and then sign it. And is that is that all you need from me at this point? Yeah. Yeah. Cool. And then all these attachments will just stay there because there's some an email. Right? So I can read them it. We've got nothing to do. Not gonna happen. Let's be honest. No. That's fine. So no. That's fine. So I've just gotta sign this. You guys will do your thing on Friday, and then I'll get in the next week or two, I'll get something in the mail. And I'll just sign that, send it away, and and everything's all good as back to back to not back to normal, but, yeah, moving forward. Cool. Sounds good. Yep. Yeah. No. Sounds good. Do you do you something I hadn't sort of spoken about is should I at what point the obvious answer is is thirty years ago. What point should I be trying to like, obviously, I'm I'm paying these school fees. But at what point should should I be looking at trying to like, I've got bulk cash sitting in a bank account to pay for school fees, ultimately, anyway. So should should account to pay fiscal fees ultimately anyway. So should should we be looking at putting a 100 or $200 a week extra into super or what what like, what obviously, the answer is yes because I mean, you put in it's gonna add up at the end. Right? But I'm just do I do I do that and just do that through our payroll with direct to you guys and split the super contributions? Or what what do you what or do I just increase the super contributions to Plumb and and let that happen that way? Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. When when I a couple of years ago, like, five years ago, I worked at a different company and I was earning, like, $1.60, $1.70 then. And I had like, once we paid the house off, we start I was putting a thousand bucks a month into super because I just, like, I was, like, that's better than me trying to invest it because I, like, I don't have the time to work it out and the time and patience to work it out. So I was doing that, but then once whilst the high school fees came and all those sorts of things, it became obviously a little bit more difficult to do. And also my salary dropped like $30 or $40 or something. So so yeah. I'm I'm aware I'm aware of the idea of doing it. It's just working out, yeah, when when it becomes affordable, I guess, for us with our budget. So but yeah. Yeah. Yeah. Yeah. Yes. Mhmm. Yeah. That that being said, and I don't know what you can or can't say, we've I mentioned to you previously about shares that we had. And with the capital tax changes, is the capital tax capital gains So is the c g CGT effective have we got until June 30 to sell? Is that right? Or or are we Yeah. Yep. Yeah. Yeah. Nice. It's all share. Like, I've got, like, shares with NHC, which, to be honest, I got for a dollar 33, and they they travel around $6 a share now at 20,000 of them. And Yeah. My dividends, like I mean, I just got another $30.30 cents. I've had 40¢ for the year, so $8 in dividends for the year. I paid, like, what's the dollar 33 times 20, you know, like $28 or whatever, $27 for them, and I got $8 in in gives this year. Like, I just I just got lucky in terms of the share price and what it's like, it's it's a call share it's a call share, so it's going from, like I said, dollars 33 to 6 dollars. And and so there's a big CGT event happening there, but, obviously, 50% off. Yeah. I was just trying to work out what the 50% off was, whether that died in the arse come July 1 or whether it's I I believe it's pro rata. Like, as in, you know, like, I find it for that has ten years for argument's sake and and only one year it's been without the CGT benefit. So, yeah, there'd be a whole heap of working out of numbers, but I think yeah. I'm just tossing up whether to get rid of it or or just keep keep getting, like, you know, $8 a year in gears and do something. Like, that just it's just a it's it's a positive. Right? It's another $8. Like, that actually pays for my daughter's school fees each year. So Yep. Yeah. I I wouldn't think so. You'd think Carl because of, you know, with him and everything else that's going on. Like, it's yeah. So Yeah. Yes. Yeah. Yeah. Long time. Yeah. Yep. Yep. No. That's cool. I'll yeah. Yeah. Yeah. No. Of course. Yeah. I know. I wasn't yeah. It's it's there's a couple of different things going there. Because like I say, at the moment, it's covering most of my daughter's school fees, which is which is grand, because I pay them up front each year rather than yeah. Because it's small discount, but it's $500 or something that that's better in my pocket. So no. That sounds good. Alright. Well, I'll I'll get this signed. Once we hang up, I'll have a quick squid through it and and sign that, and you'll have it back tonight. No. No. I'm good I'm good with the the annual. That's that's fine. Yeah. Yeah. Yeah. Yep. Yeah. No. No. That all makes sense. That's that's the roller coaster of super and why you don't look at it every day. I mean, for me, not you. That's what you do. But yeah. Like, it's yeah. I mean, it's the same, to be honest. There's no different to shares. Like, they go off and down like a yo yo as well, but, yeah, it it is what it is. Yes. Yeah. 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on, sweetie. Good. Thanks, man. Yeah. Yeah.\n\nYeah. I'll are you what email address do you have? I've got I'm sitting at work. Can you copy in my work email address so I can just open it straight up on the computer or not? Yeah.\n\nYeah. Yeah. Just send the plan because I'm sitting here with two monitors and I can obviously open what you're looking at. You know what I'm saying? Otherwise, you send it to me and I can just send it on to my work one and before we start looking at it sort of thing.\n\nI don't I don't mind. Whatever is easiest. Yeah. Sure. Twenty nine five seventy eight.\n\nEight Sunnywell Place, seven one four one five three. Yeah, mate. That's fine. Yep. Yeah.\n\nGood. Good. We I was at the G last weekend. So I went to the G and watched the lines win. So that's the last fantastic.\n\nAnd then I had a concert with the wife as well in Melbourne. So we got back yesterday, actually. So yeah. No. All good.\n\nAll good. So It's just it's just dale at and then ben, c b e n for Ben, the name Benjamin, b e n c e e, yep, dot com dot a u. Yeah. Sure. Yeah.\n\nThat's cool. It's just yeah. Yeah. I mean, obviously, look at the monitors then. Yeah.\n\nI'm only at three. Yeah. I don't need to be looking at that during the call. I just is this a no other Dropbox signature stuff that I gotta do? Yes.\n\nThat's come through now, I think, where our discussion is requested. Oh, yeah. That's come through to my wife one as well. Yeah. Called off that.\n\nYep. Yep. Statement of advice would be paid for twenty first. Tell me. Yeah.\n\nYeah. That's cool. So it is documented best interest duty. All standard. Yep.\n\nYep. Yes. Yes. Yes. Yes.\n\nYes. Yep. Yep. Yeah. That's cool.\n\nFor some, baby. Sorry. For for the the plumbing you're talking about? Yes. Yeah.\n\nAgain. Yep. Yep. No. That's cool.\n\nYes. Yep. No. Yeah. Yep.\n\nWhat's the minimum what's the minimum what's the minimum we gotta leave in there? Is it just more about servicing the loan or is it oh, sorry. Servicing the fees or is it or is there a minimum that I need to maintain? Yep. Yeah.\n\nYeah. Cool. Yeah. Yeah. Cool.\n\nCool. No. That's all good. Yes. Yeah.\n\n$1.61, I think, or 01/6700. It's called one 61. Yeah. Yeah. Yeah.\n\nActually actually sorry. Sorry. Sorry. Back up a sec. Sorry.\n\nWith that, the actual contributions are based on $1.40 because $20 a car allowance, and I think that's the owner deliberately not giving me super on the extra 20. So so yeah. So it's actually one forty plus 20. Yeah. Round numbers.\n\nIt might be $14,300 or something. But yeah. So it's only it's only $1.40 plus 20 plus 20 allowance. So for your purposes, I won't be getting super on the extra 20. You know what I'm saying?\n\nYeah. Yeah. Yeah. Cool. Cool.\n\nYeah. The yeah. The house is probably more like 1.5. The shares are more like $1.45. The car is yeah.\n\nLeave it at that because we've we've got we've Joe's got a salary tax plus car that she's got, but we've only got one car now. Well, we've got two cars, but we've only got one that that is debt free. The other one is a salary sacrifice that she's paying for, not me. So yeah. And then, yeah, the rest of that's fine, give or take.\n\nI think the the savings are probably closer to a 100 between us, but, yeah, we have school fees done of $40 a year next year. So yeah. Yeah. Yeah. Yeah.\n\nThe insurance can go once the kids finish school, which he's he's going into grade five next year. But, you know, when he's in, like, grade eleven and twelve, like, at that point, it could go because we'll have enough. You know what I mean? Like, that last couple of years, I can go once I'm down to one kid. But at the moment, I'm still three kids at at okay.\n\nYep. Yep. Yep. Yep. Cool.\n\nWhat's the old bathing thing that you're talking about? Sorry. Yeah. Cool. Yeah.\n\nYeah. So is that something you can get to me and I just fill out? Is that Yep. Oh, please. So I just sign it and send it.\n\nYeah. Yes. So I can cope. Awesome. Yes.\n\nYep. Got it. Yes. Yep. Sorry.\n\nWhat are you changing? Sorry. Changing plumbing or changing hub? Okay. Yep.\n\nYep. Yeah. Yeah. Right. Okay.\n\nSo the total cost change is $500. Is that right? Okay. Alright. Okay.\n\nYep. So deposit that's 500 deposited that's in the saving, not a not a in increase. Yeah. Right. Okay.\n\nSo $8 goes to 70. Yeah. Cool. Okay. Cool.\n\nYep. Yep. So in five years, $7.70 recommend. Yeah. Okay.\n\n40 k extra. And then yeah. Right. Okay. Cool.\n\nYeah. Yeah. Yeah. Yep. Makes sense.\n\nYep. Okay. Yep. And is that changing the the investment strategy of whatever it is, the the package, I guess, or whatever you wanna call it? Is that is that what you're saying?\n\nHas been changing how it's how what shares it is that's in the in the portfolio? Yep. Whereabouts are you? Sorry. Are you on?\n\nYeah. Recommended, where it's orange and green. Yep. Yep. Yep.\n\nYep. Yep. Cool. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. Yep.\n\nYep. Yep. Okay. Yeah. Yep.\n\nYeah. Cool. Yeah. Okay. Yep.\n\nThat's it. Yep. That's probably all. One. So the negative that's in the buy sell, the negative means you're selling them to get the 96 k for an Alfiniti.\n\nIs that right? Yes. Yeah. Yeah. Yeah.\n\nJust the 20% on the bottom three and then that yeah. Then make sure the others. Is that is that right? Is that what I'm saying? Yep.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYep. That makes sense. Yeah. The pie charts for a proposed asset allocation. Is that the one you're talking about?\n\nI I've lost you what page you were on. Sorry, mate. Sorry. So yeah. See, nineteen's got no pie chart.\n\nTwenty's got a pie chart which says proposed asset allocation. But on page 19, there's no pie chart, which down the bottom says page eight. It says page 18 on the on the like, on your footer. Is that the page you wanna be on, which is 19 on the on the on the Adobe or whatever? Yeah.\n\nNo. That's cool. So looking at it, it says investment name. It says cash account, you know, your $6 or whatever. Underneath that, the page is blank.\n\nLike, there's no pie chart on that page. The first pie chart I see is proposed asset allocation. Oh, okay. So then okay. So and then where's the 97 or something that I was looking at?\n\nGot yeah. Got yeah. 97.65. Yeah. Got yeah.\n\nSorry, mate. Yes. Yeah. Yeah. Yep.\n\nYep. Yeah. Yep. We we spoke about it, and then, I don't know, life gets away. I'll I'll I'll print I'll print some yeah.\n\nNo. I'll yeah. We've we've got we got a legal wheel kit thing. It's legal wheel kit. It's something similar at home.\n\nWe just we just didn't do anything with. So I yeah. I need to do it. Yes. Yeah.\n\nNo. No. No. Yeah. Yeah.\n\nNo. No. It makes sense. If it's, yeah, if it's gonna it's gonna improve whatever the I mean, the the market's, yeah, a bit wishy washy this year. So yep.\n\nYep. Okay. And so I'm just trying to find I I haven't looked at the balance for probably a couple of months. Like, I have definitely looked at it recently, but not recent recent. So the $4.82 is on the on the that's the $4.82 is roughly all of it together based on what this is saying roughly.\n\nYeah. Yep. The $4.82, does that include the plumber? Or yeah. Or is that not in that table, it's hard to tell on the table on page 18.\n\nDoes does the the $4.82 down the bottom, does that include the 12 at the top of the for the plum? Or is that just a subtotal for is that a total for the whole page or is it subtotal for for hub? Okay. So there's $4.82 plus 12 plus 6. Is that loosely what you're saying?\n\nSo that's 500 on the on the button. Yes. Yeah. Yeah. Yeah.\n\nYeah. No. I did all. Yeah. It it's yeah.\n\nIt's up and down like a yo yo. So that's the market. Yep. Yep. Yep.\n\nSo if I like, I'm looking at my emails now my sign because I got your speaker phone. No one's in the office. So if I if I go into this signature request one, this is just a so I just go into that sign document and just read through it and then sign it. And is that is that all you need from me at this point? Yeah.\n\nYeah. Cool. And then all these attachments will just stay there because there's some an email. Right? So I can read them it.\n\nWe've got nothing to do. Not gonna happen. Let's be honest. No. That's fine.\n\nSo no. That's fine. So I've just gotta sign this. You guys will do your thing on Friday, and then I'll get in the next week or two, I'll get something in the mail. And I'll just sign that, send it away, and and everything's all good as back to back to not back to normal, but, yeah, moving forward.\n\nCool. Sounds good. Yep. Yeah. No.\n\nSounds good. Do you do you something I hadn't sort of spoken about is should I at what point the obvious answer is is thirty years ago. What point should I be trying to like, obviously, I'm I'm paying these school fees. But at what point should should I be looking at trying to like, I've got bulk cash sitting in a bank account to pay for school fees, ultimately, anyway. So should should account to pay fiscal fees ultimately anyway.\n\nSo should should we be looking at putting a 100 or $200 a week extra into super or what what like, what obviously, the answer is yes because I mean, you put in it's gonna add up at the end. Right? But I'm just do I do I do that and just do that through our payroll with direct to you guys and split the super contributions? Or what what do you what or do I just increase the super contributions to Plumb and and let that happen that way? Yeah.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. When when I a couple of years ago, like, five years ago, I worked at a different company and I was earning, like, $1.60, $1.70 then. And I had like, once we paid the house off, we start I was putting a thousand bucks a month into super because I just, like, I was, like, that's better than me trying to invest it because I, like, I don't have the time to work it out and the time and patience to work it out. So I was doing that, but then once whilst the high school fees came and all those sorts of things, it became obviously a little bit more difficult to do. And also my salary dropped like $30 or $40 or something.\n\nSo so yeah. I'm I'm aware I'm aware of the idea of doing it. It's just working out, yeah, when when it becomes affordable, I guess, for us with our budget. So but yeah. Yeah.\n\nYeah. Yeah. Yes. Mhmm. Yeah.\n\nThat that being said, and I don't know what you can or can't say, we've I mentioned to you previously about shares that we had. And with the capital tax changes, is the capital tax capital gains So is the c g CGT effective have we got until June 30 to sell? Is that right? Or or are we Yeah. Yep.\n\nYeah. Yeah. Nice. It's all share. Like, I've got, like, shares with NHC, which, to be honest, I got for a dollar 33, and they they travel around $6 a share now at 20,000 of them.\n\nAnd Yeah. My dividends, like I mean, I just got another $30.30 cents. I've had 40¢ for the year, so $8 in dividends for the year. I paid, like, what's the dollar 33 times 20, you know, like $28 or whatever, $27 for them, and I got $8 in in gives this year. Like, I just I just got lucky in terms of the share price and what it's like, it's it's a call share it's a call share, so it's going from, like I said, dollars 33 to 6 dollars.\n\nAnd and so there's a big CGT event happening there, but, obviously, 50% off. Yeah. I was just trying to work out what the 50% off was, whether that died in the arse come July 1 or whether it's I I believe it's pro rata. Like, as in, you know, like, I find it for that has ten years for argument's sake and and only one year it's been without the CGT benefit. So, yeah, there'd be a whole heap of working out of numbers, but I think yeah.\n\nI'm just tossing up whether to get rid of it or or just keep keep getting, like, you know, $8 a year in gears and do something. Like, that just it's just a it's it's a positive. Right? It's another $8. Like, that actually pays for my daughter's school fees each year.\n\nSo Yep. Yeah. I I wouldn't think so. You'd think Carl because of, you know, with him and everything else that's going on. Like, it's yeah.\n\nSo Yeah. Yes. Yeah. Yeah. Long time.\n\nYeah. Yep. Yep. No. That's cool.\n\nI'll yeah. Yeah. Yeah. No. Of course.\n\nYeah. I know. I wasn't yeah. It's it's there's a couple of different things going there. Because like I say, at the moment, it's covering most of my daughter's school fees, which is which is grand, because I pay them up front each year rather than yeah.\n\nBecause it's small discount, but it's $500 or something that that's better in my pocket. So no. That sounds good. Alright. Well, I'll I'll get this signed.\n\nOnce we hang up, I'll have a quick squid through it and and sign that, and you'll have it back tonight. No. No. I'm good I'm good with the the annual. That's that's fine.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nNo. No. That all makes sense. That's that's the roller coaster of super and why you don't look at it every day. I mean, for me, not you.\n\nThat's what you do. But yeah. Like, it's yeah. I mean, it's the same, to be honest. There's no different to shares.\n\nLike, they go off and down like a yo yo as well, but, yeah, it it is what it is. Yes. Yeah. No. No.\n\nSounds good.","paragraphs":[{"sentences":[{"text":"Hold on, sweetie.","start":1.4399999,"end":2.5,"sentiment":"neutral","sentiment_score":0.13339637716611227},{"text":"Good.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5248275995254517},{"text":"Thanks, man.","start":7.2799997,"end":8.18,"sentiment":"positive","sentiment_score":0.5873574316501617},{"text":"Yeah.","start":20.145,"end":20.645,"sentiment":"neutral","sentiment_score":0.060246553272008896},{"text":"Yeah.","start":21.345001,"end":21.585,"sentiment":"neutral","sentiment_score":0.03136402368545532}],"sentiment":"neutral","sentiment_score":0.273917771410197,"num_words":8,"start":1.4399999,"end":21.585},{"sentences":[{"text":"Yeah.","start":21.585,"end":21.985,"sentiment":"neutral","sentiment_score":0.028582660481333733},{"text":"I'll are you what email address do you have?","start":21.985,"end":24.945,"sentiment":"neutral","sentiment_score":0.011914673985706436},{"text":"I've got I'm sitting at work.","start":24.945,"end":26.325,"sentiment":"neutral","sentiment_score":-0.03589754862089952},{"text":"Can you copy in my work email address so I can just open it straight up on the computer or not?","start":26.705,"end":37.02,"sentiment":"neutral","sentiment_score":-0.020938029601460413},{"text":"Yeah.","start":39.08,"end":39.4,"sentiment":"neutral","sentiment_score":0.015650201588869095}],"sentiment":"neutral","sentiment_score":-0.013253131195118553,"num_words":38,"start":21.585,"end":39.4},{"sentences":[{"text":"Yeah.","start":39.4,"end":39.56,"sentiment":"neutral","sentiment_score":0.022091686725616455},{"text":"Yeah.","start":39.56,"end":39.8,"sentiment":"neutral","sentiment_score":0.030888140201568604},{"text":"Just send the plan because I'm sitting here with two monitors and I can obviously open what you're looking at.","start":39.8,"end":43.655,"sentiment":"neutral","sentiment_score":0.024579977430403233},{"text":"You know what I'm saying?","start":43.655,"end":44.215,"sentiment":"neutral","sentiment_score":0.003835107013583183},{"text":"Otherwise, you send it to me and I can just send it on to my work one and before we start looking at it sort of thing.","start":44.215,"end":48.935,"sentiment":"neutral","sentiment_score":0.01935287109679646}],"sentiment":"neutral","sentiment_score":0.020116341300308704,"num_words":54,"start":39.4,"end":48.935},{"sentences":[{"text":"I don't I don't mind.","start":48.935,"end":49.575,"sentiment":"neutral","sentiment_score":-0.01615217998623848},{"text":"Whatever is easiest.","start":49.575,"end":50.475,"sentiment":"neutral","sentiment_score":0.03541511048873266},{"text":"Yeah.","start":55.920002,"end":56.08,"sentiment":"neutral","sentiment_score":0.06572382897138596},{"text":"Sure.","start":56.08,"end":56.58,"sentiment":"neutral","sentiment_score":0.09066134691238403},{"text":"Twenty nine five seventy eight.","start":62.88,"end":64.82,"sentiment":"neutral","sentiment_score":0.010889038629829883}],"sentiment":"neutral","sentiment_score":0.015754320037861664,"num_words":15,"start":48.935,"end":64.82},{"sentences":[{"text":"Eight Sunnywell Place, seven one four one five three.","start":65.12,"end":67.62,"sentiment":"neutral","sentiment_score":0.01422867090958688},{"text":"Yeah, mate.","start":74.295,"end":74.774994,"sentiment":"neutral","sentiment_score":0.08324682712554932},{"text":"That's fine.","start":74.774994,"end":75.515,"sentiment":"neutral","sentiment_score":0.20409314334392548},{"text":"Yep.","start":88.92,"end":89.42,"sentiment":"neutral","sentiment_score":0.04779527336359024},{"text":"Yeah.","start":96.76,"end":97.26,"sentiment":"neutral","sentiment_score":0.126423642039299}],"sentiment":"neutral","sentiment_score":0.058463792968541387,"num_words":15,"start":65.12,"end":97.26},{"sentences":[{"text":"Good.","start":97.32,"end":97.82,"sentiment":"neutral","sentiment_score":0.26535898447036743},{"text":"Good.","start":97.88,"end":98.28,"sentiment":"neutral","sentiment_score":0.22775059938430783},{"text":"We I was at the G last weekend.","start":98.28,"end":100.745,"sentiment":"neutral","sentiment_score":0.10747795552015305},{"text":"So I went to the G and watched the lines win.","start":100.745,"end":103.545006,"sentiment":"neutral","sentiment_score":0.1925907243381847},{"text":"So that's the last fantastic.","start":103.545006,"end":106.105,"sentiment":"positive","sentiment_score":0.5266760110855102}],"sentiment":"neutral","sentiment_score":0.23480043273705703,"num_words":26,"start":97.32,"end":106.105},{"sentences":[{"text":"And then I had a concert with the wife as well in Melbourne.","start":106.105,"end":109.065,"sentiment":"neutral","sentiment_score":0.3294153935634173},{"text":"So we got back yesterday, actually.","start":109.065,"end":110.765,"sentiment":"neutral","sentiment_score":0.2652044842640559},{"text":"So yeah.","start":112.509995,"end":113.329994,"sentiment":"neutral","sentiment_score":0.28026944398880005},{"text":"No.","start":113.46999,"end":113.63,"sentiment":"neutral","sentiment_score":0.18308913707733152},{"text":"All good.","start":113.63,"end":114.189995,"sentiment":"positive","sentiment_score":0.36010488867759705}],"sentiment":"neutral","sentiment_score":0.3057277010132869,"num_words":24,"start":106.105,"end":114.189995},{"sentences":[{"text":"All good.","start":114.189995,"end":114.93,"sentiment":"positive","sentiment_score":0.36451129615306854},{"text":"So It's just it's just dale at and then ben, c b e n for Ben, the name Benjamin, b e n c e e, yep, dot com dot a u.","start":118.189995,"end":131.905,"sentiment":"neutral","sentiment_score":0.02649580308746907},{"text":"Yeah.","start":140.1,"end":140.6,"sentiment":"neutral","sentiment_score":0.044419124722480774},{"text":"Sure.","start":141.06001,"end":141.3,"sentiment":"neutral","sentiment_score":0.1675618290901184},{"text":"Yeah.","start":141.3,"end":141.54001,"sentiment":"neutral","sentiment_score":0.2711654007434845}],"sentiment":"neutral","sentiment_score":0.05648719007149339,"num_words":36,"start":114.189995,"end":141.54001},{"sentences":[{"text":"That's cool.","start":141.54001,"end":142.28,"sentiment":"positive","sentiment_score":0.5302205383777618},{"text":"It's just yeah.","start":143.54001,"end":144.18001,"sentiment":"neutral","sentiment_score":0.19489638010660806},{"text":"Yeah.","start":144.18001,"end":144.34001,"sentiment":"neutral","sentiment_score":0.06805279850959778},{"text":"I mean, obviously, look at the monitors then.","start":144.34001,"end":146.44,"sentiment":"neutral","sentiment_score":0.03763283509761095},{"text":"Yeah.","start":151.46,"end":151.86,"sentiment":"neutral","sentiment_score":0.01212851982563734}],"sentiment":"neutral","sentiment_score":0.1350916144127647,"num_words":15,"start":141.54001,"end":151.86},{"sentences":[{"text":"I'm only at three.","start":151.86,"end":153.0,"sentiment":"neutral","sentiment_score":-0.0018917645793408155},{"text":"Yeah.","start":169.36,"end":169.59999,"sentiment":"neutral","sentiment_score":0.01197878923267126},{"text":"I don't need to be looking at that during the call.","start":169.59999,"end":171.28,"sentiment":"neutral","sentiment_score":-0.02075276075100357},{"text":"I just is this a no 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there?","start":300.435,"end":303.23502,"sentiment":"neutral","sentiment_score":-0.07514169013925961},{"text":"Is it just more about servicing the loan or is it oh, sorry.","start":303.23502,"end":306.035,"sentiment":"neutral","sentiment_score":-0.05082652775140909},{"text":"Servicing the fees or is it or is there a minimum that I need to 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yeah.","start":1001.365,"end":1005.685,"sentiment":"neutral","sentiment_score":-0.04034164547920227},{"text":"See, nineteen's got no pie chart.","start":1005.685,"end":1007.44,"sentiment":"neutral","sentiment_score":-0.06616650273402531}],"sentiment":"neutral","sentiment_score":-0.1891475036740303,"num_words":20,"start":998.165,"end":1007.44},{"sentences":[{"text":"Twenty's got a pie chart which says proposed asset allocation.","start":1007.44,"end":1010.08,"sentiment":"neutral","sentiment_score":-0.02295494582504034},{"text":"But on page 19, there's no pie chart, which down the bottom says page eight.","start":1010.08,"end":1016.16003,"sentiment":"neutral","sentiment_score":-0.05372370270391305},{"text":"It says page 18 on the on the like, on your footer.","start":1016.16003,"end":1020.08,"sentiment":"neutral","sentiment_score":-0.023168799001723528},{"text":"Is that the page you wanna be on, which is 19 on the on the on the Adobe or whatever?","start":1020.08,"end":1024.885,"sentiment":"neutral","sentiment_score":-0.012889643339440227},{"text":"Yeah.","start":1026.705,"end":1027.205,"sentiment":"neutral","sentiment_score":-0.03734424710273743}],"sentiment":"neutral","sentiment_score":-0.02773392587450558,"num_words":58,"start":1007.44,"end":1027.205},{"sentences":[{"text":"No.","start":1030.625,"end":1030.865,"sentiment":"neutral","sentiment_score":-0.1050378829240799},{"text":"That's cool.","start":1030.865,"end":1031.345,"sentiment":"neutral","sentiment_score":0.0686359666287899},{"text":"So looking at it, it says investment name.","start":1031.345,"end":1033.345,"sentiment":"neutral","sentiment_score":0.03147683385759592},{"text":"It says cash account, you know, your $6 or whatever.","start":1033.345,"end":1036.2,"sentiment":"neutral","sentiment_score":0.006179960817098618},{"text":"Underneath that, the page is blank.","start":1036.58,"end":1039.08,"sentiment":"neutral","sentiment_score":-0.09949538484215736}],"sentiment":"neutral","sentiment_score":-0.009300888136581139,"num_words":27,"start":1030.625,"end":1039.08},{"sentences":[{"text":"Like, there's no pie chart on that page.","start":1039.22,"end":1040.8999,"sentiment":"neutral","sentiment_score":-0.06000040867365897},{"text":"The first pie chart I see is proposed asset allocation.","start":1040.8999,"end":1043.96,"sentiment":"neutral","sentiment_score":0.021016527712345124},{"text":"Oh, okay.","start":1046.5,"end":1047.0599,"sentiment":"neutral","sentiment_score":0.03617347963154316},{"text":"So then okay.","start":1047.0599,"end":1047.915,"sentiment":"neutral","sentiment_score":0.02666408382356167},{"text":"So and then where's the 97 or something that I was looking at?","start":1047.995,"end":1051.295,"sentiment":"neutral","sentiment_score":0.0036352128999379394}],"sentiment":"neutral","sentiment_score":-0.0019511392731348881,"num_words":36,"start":1039.22,"end":1051.295},{"sentences":[{"text":"Got yeah.","start":1055.755,"end":1056.3151,"sentiment":"neutral","sentiment_score":-0.0024491073563694954},{"text":"Got yeah.","start":1056.3151,"end":1056.875,"sentiment":"neutral","sentiment_score":0.011823249515146017},{"text":"97.65.","start":1056.875,"end":1058.0751,"sentiment":"neutral","sentiment_score":0.021786270663142204},{"text":"Yeah.","start":1058.0751,"end":1058.235,"sentiment":"neutral","sentiment_score":0.0489530935883522},{"text":"Got yeah.","start":1058.235,"end":1058.635,"sentiment":"neutral","sentiment_score":0.06319333985447884}],"sentiment":"neutral","sentiment_score":0.02698429103475064,"num_words":8,"start":1055.755,"end":1058.635},{"sentences":[{"text":"Sorry, mate.","start":1058.635,"end":1059.375,"sentiment":"neutral","sentiment_score":0.06321618147194386},{"text":"Yes.","start":1070.5599,"end":1071.0599,"sentiment":"neutral","sentiment_score":0.29043298959732056},{"text":"Yeah.","start":1071.2,"end":1071.52,"sentiment":"neutral","sentiment_score":0.25599679350852966},{"text":"Yeah.","start":1071.52,"end":1071.76,"sentiment":"neutral","sentiment_score":0.24721185863018036},{"text":"Yep.","start":1071.76,"end":1072.16,"sentiment":"neutral","sentiment_score":0.23111450672149655}],"sentiment":"neutral","sentiment_score":0.1918647519002358,"num_words":6,"start":1058.635,"end":1072.16},{"sentences":[{"text":"Yep.","start":1072.16,"end":1072.66,"sentiment":"neutral","sentiment_score":0.21821551024913788},{"text":"Yeah.","start":1077.2051,"end":1077.525,"sentiment":"neutral","sentiment_score":0.2360435277223587},{"text":"Yep.","start":1077.525,"end":1078.025,"sentiment":"neutral","sentiment_score":0.2639393210411072},{"text":"We we spoke about it, and then, I don't know, life gets away.","start":1094.21,"end":1098.71,"sentiment":"neutral","sentiment_score":-0.15782620299320954},{"text":"I'll I'll I'll print I'll print some yeah.","start":1099.1699,"end":1102.61,"sentiment":"neutral","sentiment_score":0.01739039912354201}],"sentiment":"neutral","sentiment_score":-0.04976746195461601,"num_words":24,"start":1072.16,"end":1102.61},{"sentences":[{"text":"No.","start":1102.61,"end":1102.85,"sentiment":"neutral","sentiment_score":-0.11194981634616852},{"text":"I'll yeah.","start":1102.85,"end":1103.41,"sentiment":"neutral","sentiment_score":-0.07673044502735138},{"text":"We've we've got we got a legal wheel kit thing.","start":1103.41,"end":1106.37,"sentiment":"neutral","sentiment_score":-0.029314979538321496},{"text":"It's legal wheel kit.","start":1106.37,"end":1107.255,"sentiment":"neutral","sentiment_score":-0.0051109542400809005},{"text":"It's something similar at home.","start":1107.255,"end":1108.875,"sentiment":"neutral","sentiment_score":-0.030939723923802377}],"sentiment":"neutral","sentiment_score":-0.033350133561973715,"num_words":22,"start":1102.61,"end":1108.875},{"sentences":[{"text":"We just we just didn't do anything with.","start":1109.175,"end":1110.615,"sentiment":"neutral","sentiment_score":-0.09967783745378256},{"text":"So I yeah.","start":1110.615,"end":1111.735,"sentiment":"neutral","sentiment_score":-0.03486225629846255},{"text":"I need to do it.","start":1111.735,"end":1112.715,"sentiment":"neutral","sentiment_score":-0.027801524102687835},{"text":"Yes.","start":1117.3351,"end":1117.655,"sentiment":"neutral","sentiment_score":0.08089974522590637},{"text":"Yeah.","start":1117.655,"end":1118.155,"sentiment":"neutral","sentiment_score":0.08162835985422134}],"sentiment":"neutral","sentiment_score":-0.04880494355327553,"num_words":18,"start":1109.175,"end":1118.155},{"sentences":[{"text":"No.","start":1126.2,"end":1126.68,"sentiment":"neutral","sentiment_score":-0.08545446395874023},{"text":"No.","start":1126.68,"end":1126.92,"sentiment":"neutral","sentiment_score":-0.08013339340686798},{"text":"No.","start":1126.92,"end":1127.16,"sentiment":"neutral","sentiment_score":-0.06458956003189087},{"text":"Yeah.","start":1127.16,"end":1127.66,"sentiment":"neutral","sentiment_score":-0.009695526212453842},{"text":"Yeah.","start":1140.195,"end":1140.515,"sentiment":"neutral","sentiment_score":0.014592472463846208}],"sentiment":"neutral","sentiment_score":-0.04505609422922134,"num_words":5,"start":1126.2,"end":1140.515},{"sentences":[{"text":"No.","start":1140.515,"end":1140.755,"sentiment":"neutral","sentiment_score":-0.1219635158777237},{"text":"No.","start":1140.755,"end":1140.995,"sentiment":"neutral","sentiment_score":-0.17024782299995422},{"text":"It makes sense.","start":1140.995,"end":1141.795,"sentiment":"neutral","sentiment_score":-0.08931995679934819},{"text":"If it's, yeah, if it's gonna it's gonna improve whatever the I mean, the the market's, yeah, a bit wishy washy this year.","start":1141.795,"end":1147.955,"sentiment":"neutral","sentiment_score":-0.2630288153886795},{"text":"So yep.","start":1147.955,"end":1156.66,"sentiment":"neutral","sentiment_score":0.027736220508813858}],"sentiment":"neutral","sentiment_score":-0.21847871740659078,"num_words":30,"start":1140.515,"end":1156.66},{"sentences":[{"text":"Yep.","start":1167.205,"end":1167.605,"sentiment":"neutral","sentiment_score":-0.02750758081674576},{"text":"Okay.","start":1167.605,"end":1168.105,"sentiment":"neutral","sentiment_score":-0.0233431588858366},{"text":"And so I'm just trying to find I I haven't looked at the balance for probably a couple of months.","start":1168.485,"end":1173.0449,"sentiment":"neutral","sentiment_score":-0.09527428783476352},{"text":"Like, I have definitely looked at it recently, but not recent recent.","start":1173.0449,"end":1176.905,"sentiment":"neutral","sentiment_score":-0.1006910748158892},{"text":"So the $4.82 is on the on the that's the $4.82 is roughly all of it together based on what this is saying roughly.","start":1177.0449,"end":1184.79,"sentiment":"neutral","sentiment_score":-0.03100614552386105}],"sentiment":"neutral","sentiment_score":-0.06739270494415842,"num_words":58,"start":1167.205,"end":1184.79},{"sentences":[{"text":"Yeah.","start":1192.29,"end":1192.79,"sentiment":"neutral","sentiment_score":0.06718360632658005},{"text":"Yep.","start":1194.53,"end":1195.03,"sentiment":"neutral","sentiment_score":0.1413361132144928},{"text":"The $4.82, does that include the plumber?","start":1195.225,"end":1197.245,"sentiment":"neutral","sentiment_score":-0.01125044162784304},{"text":"Or yeah.","start":1197.3049,"end":1198.5049,"sentiment":"neutral","sentiment_score":-0.05279163271188736},{"text":"Or is that not in that table, it's hard to tell on the table on page 18.","start":1198.5049,"end":1202.6849,"sentiment":"neutral","sentiment_score":-0.10038565449854907}],"sentiment":"neutral","sentiment_score":-0.060084741562604904,"num_words":28,"start":1192.29,"end":1202.6849},{"sentences":[{"text":"Does does the the $4.82 down the bottom, does that include the 12 at the top of the for the plum?","start":1203.3849,"end":1208.85,"sentiment":"neutral","sentiment_score":-0.00505756297137677},{"text":"Or is that just a subtotal for is that a total for the whole page or is it subtotal for for hub?","start":1208.85,"end":1214.9501,"sentiment":"neutral","sentiment_score":-0.020613183013417503},{"text":"Okay.","start":1225.785,"end":1226.105,"sentiment":"neutral","sentiment_score":0.02823631465435028},{"text":"So there's $4.82 plus 12 plus 6.","start":1226.105,"end":1228.105,"sentiment":"neutral","sentiment_score":0.03702173248997757},{"text":"Is that loosely what you're saying?","start":1228.105,"end":1229.725,"sentiment":"neutral","sentiment_score":0.014806087982530395}],"sentiment":"neutral","sentiment_score":-0.003218839977451257,"num_words":57,"start":1203.3849,"end":1229.725},{"sentences":[{"text":"So that's 500 on the on the button.","start":1231.0651,"end":1239.42,"sentiment":"neutral","sentiment_score":0.050392079167068005},{"text":"Yes.","start":1240.2001,"end":1240.6001,"sentiment":"neutral","sentiment_score":0.07974827289581299},{"text":"Yeah.","start":1240.6001,"end":1241.1001,"sentiment":"neutral","sentiment_score":-0.009420434013009071},{"text":"Yeah.","start":1241.56,"end":1241.88,"sentiment":"neutral","sentiment_score":0.011927422136068344},{"text":"Yeah.","start":1241.88,"end":1242.12,"sentiment":"neutral","sentiment_score":0.02416530624032021}],"sentiment":"neutral","sentiment_score":0.04246310004964471,"num_words":12,"start":1231.0651,"end":1242.12},{"sentences":[{"text":"Yeah.","start":1242.12,"end":1242.3601,"sentiment":"neutral","sentiment_score":0.006375832483172417},{"text":"No.","start":1242.3601,"end":1242.52,"sentiment":"neutral","sentiment_score":-0.11633989214897156},{"text":"I did all.","start":1242.52,"end":1243.0801,"sentiment":"neutral","sentiment_score":-0.10835879544417064},{"text":"Yeah.","start":1243.0801,"end":1243.4801,"sentiment":"neutral","sentiment_score":-0.012651849538087845},{"text":"It it's yeah.","start":1243.4801,"end":1244.3601,"sentiment":"neutral","sentiment_score":-0.00012321480486813616}],"sentiment":"neutral","sentiment_score":-0.04978465999455592,"num_words":9,"start":1242.12,"end":1244.3601},{"sentences":[{"text":"It's up and down like a yo yo.","start":1244.3601,"end":1246.06,"sentiment":"neutral","sentiment_score":-0.18512221984565258},{"text":"So that's the market.","start":1248.0449,"end":1249.265,"sentiment":"neutral","sentiment_score":-0.024699305649846792},{"text":"Yep.","start":1278.315,"end":1278.815,"sentiment":"neutral","sentiment_score":0.1478586494922638},{"text":"Yep.","start":1287.9149,"end":1288.395,"sentiment":"neutral","sentiment_score":0.17039541900157928},{"text":"Yep.","start":1288.395,"end":1288.7949,"sentiment":"neutral","sentiment_score":0.17108802497386932}],"sentiment":"neutral","sentiment_score":-0.07269552585979303,"num_words":15,"start":1244.3601,"end":1288.7949},{"sentences":[{"text":"So if I like, I'm looking at my emails now my sign because I got your speaker phone.","start":1288.7949,"end":1292.7599,"sentiment":"neutral","sentiment_score":0.1293378791047467},{"text":"No one's in the office.","start":1292.7599,"end":1293.5599,"sentiment":"neutral","sentiment_score":-0.16914324164390565},{"text":"So if I if I go into this signature request one, this is just a so I just go into that sign document and just read through it and then sign it.","start":1293.5599,"end":1305.212,"sentiment":"neutral","sentiment_score":0.10239892499521375},{"text":"And is that is that all you need from me at this point?","start":1305.759,"end":1318.823,"sentiment":"neutral","sentiment_score":0.05143294440439114},{"text":"Yeah.","start":1326.09,"end":1326.33,"sentiment":"neutral","sentiment_score":0.16653019189834595}],"sentiment":"neutral","sentiment_score":0.08107666209664034,"num_words":69,"start":1288.7949,"end":1326.33},{"sentences":[{"text":"Yeah.","start":1326.33,"end":1326.57,"sentiment":"neutral","sentiment_score":0.2772875726222992},{"text":"Cool.","start":1326.57,"end":1326.89,"sentiment":"positive","sentiment_score":0.4872186481952667},{"text":"And then all these attachments will just stay there because there's some an email.","start":1326.89,"end":1329.93,"sentiment":"neutral","sentiment_score":0.19628433883190155},{"text":"Right?","start":1329.93,"end":1330.17,"sentiment":"neutral","sentiment_score":0.15927526354789734},{"text":"So I can read them it.","start":1330.17,"end":1331.55,"sentiment":"neutral","sentiment_score":0.14931987722714743}],"sentiment":"neutral","sentiment_score":0.19859484745108563,"num_words":23,"start":1326.33,"end":1331.55},{"sentences":[{"text":"We've got nothing to do.","start":1331.61,"end":1332.99,"sentiment":"neutral","sentiment_score":0.02070968821644783},{"text":"Not gonna happen.","start":1337.195,"end":1338.1749,"sentiment":"neutral","sentiment_score":0.012828074395656586},{"text":"Let's be honest.","start":1338.955,"end":1339.855,"sentiment":"neutral","sentiment_score":0.004449595619613926},{"text":"No.","start":1341.755,"end":1341.995,"sentiment":"neutral","sentiment_score":-0.04382062703371048},{"text":"That's fine.","start":1341.995,"end":1342.475,"sentiment":"neutral","sentiment_score":-0.017634037882089615}],"sentiment":"neutral","sentiment_score":0.005449482023582927,"num_words":14,"start":1331.61,"end":1342.475},{"sentences":[{"text":"So no.","start":1342.475,"end":1345.115,"sentiment":"neutral","sentiment_score":-0.04007581248879433},{"text":"That's fine.","start":1345.115,"end":1345.595,"sentiment":"neutral","sentiment_score":0.09703920781612396},{"text":"So I've just gotta sign this.","start":1345.595,"end":1347.2749,"sentiment":"neutral","sentiment_score":0.18844210604826608},{"text":"You guys will do your thing on Friday, and then I'll get in the next week or two, I'll get something in the mail.","start":1347.2749,"end":1353.51,"sentiment":"neutral","sentiment_score":0.20576244375358024},{"text":"And I'll just sign that, send it away, and and everything's all good as back to back to not back to normal, but, yeah, moving forward.","start":1353.57,"end":1361.35,"sentiment":"neutral","sentiment_score":0.29001781745598865}],"sentiment":"neutral","sentiment_score":0.22872235551476477,"num_words":60,"start":1342.475,"end":1361.35},{"sentences":[{"text":"Cool.","start":1364.205,"end":1364.705,"sentiment":"positive","sentiment_score":0.6659368276596069},{"text":"Sounds good.","start":1365.485,"end":1366.3049,"sentiment":"positive","sentiment_score":0.6488220691680908},{"text":"Yep.","start":1377.8099,"end":1378.3099,"sentiment":"positive","sentiment_score":0.36437150835990906},{"text":"Yeah.","start":1382.61,"end":1383.01,"sentiment":"neutral","sentiment_score":0.08531622588634491},{"text":"No.","start":1383.01,"end":1383.33,"sentiment":"neutral","sentiment_score":0.038177017122507095}],"sentiment":"positive","sentiment_score":0.4085742862274249,"num_words":6,"start":1364.205,"end":1383.33},{"sentences":[{"text":"Sounds good.","start":1383.33,"end":1384.15,"sentiment":"neutral","sentiment_score":0.2377343624830246},{"text":"Do you do you something I hadn't sort of spoken about is should I at what point the obvious answer is is thirty years ago.","start":1385.01,"end":1395.855,"sentiment":"neutral","sentiment_score":-0.1277354860305786},{"text":"What point should I be trying to like, obviously, I'm I'm paying these school fees.","start":1395.855,"end":1399.5549,"sentiment":"neutral","sentiment_score":-0.19367773632208507},{"text":"But at what point should should I be looking at trying to like, I've got bulk cash sitting in a bank account to pay for school fees, ultimately, anyway.","start":1400.095,"end":1403.446,"sentiment":"neutral","sentiment_score":-0.203977237744578},{"text":"So should should account to pay fiscal fees ultimately anyway.","start":1403.446,"end":1408.0199,"sentiment":"neutral","sentiment_score":-0.09348295629024506}],"sentiment":"neutral","sentiment_score":-0.15399078923610993,"num_words":81,"start":1383.33,"end":1408.0199},{"sentences":[{"text":"So should should we be looking at putting a 100 or $200 a week extra into super or what what like, what obviously, the answer is yes because I mean, you put in it's gonna add up at the end.","start":1408.5599,"end":1418.925,"sentiment":"neutral","sentiment_score":0.1703271667473018},{"text":"Right?","start":1419.4851,"end":1419.885,"sentiment":"neutral","sentiment_score":0.17257043719291687},{"text":"But I'm just do I do I do that and just do that through our payroll with direct to you guys and split the super contributions?","start":1419.885,"end":1428.625,"sentiment":"neutral","sentiment_score":0.19664297797358954},{"text":"Or what what do you what or do I just increase the super contributions to Plumb and and let that happen that way?","start":1428.925,"end":1434.44,"sentiment":"neutral","sentiment_score":0.13920355944529825},{"text":"Yeah.","start":1448.165,"end":1448.485,"sentiment":"neutral","sentiment_score":0.19632382690906525}],"sentiment":"neutral","sentiment_score":0.17028989262142025,"num_words":91,"start":1408.5599,"end":1448.485},{"sentences":[{"text":"Yep.","start":1448.485,"end":1448.985,"sentiment":"neutral","sentiment_score":0.16121099889278412},{"text":"Yep.","start":1452.405,"end":1452.905,"sentiment":"neutral","sentiment_score":0.09975165128707886},{"text":"Yeah.","start":1461.48,"end":1461.96,"sentiment":"neutral","sentiment_score":0.0509023442864418},{"text":"Yeah.","start":1461.96,"end":1462.46,"sentiment":"neutral","sentiment_score":0.023768296465277672},{"text":"Yeah.","start":1463.5599,"end":1464.0599,"sentiment":"neutral","sentiment_score":-0.01621103286743164}],"sentiment":"neutral","sentiment_score":0.06388445161283016,"num_words":5,"start":1448.485,"end":1464.0599},{"sentences":[{"text":"Yeah.","start":1467.5599,"end":1467.88,"sentiment":"neutral","sentiment_score":-0.00047568418085575104},{"text":"When when I a couple of years ago, like, five years ago, I worked at a different company and I was earning, like, $1.60, $1.70 then.","start":1467.88,"end":1474.535,"sentiment":"neutral","sentiment_score":-0.03792726119550375},{"text":"And I had like, once we paid the house off, we start I was putting a thousand bucks a month into super because I just, like, I was, like, that's better than me trying to invest it because I, like, I don't have the time to work it out and the time and patience to work it out.","start":1474.535,"end":1487.64,"sentiment":"neutral","sentiment_score":-0.08097520499522316},{"text":"So I was doing that, but then once whilst the high school fees came and all those sorts of things, it became obviously a little bit more difficult to do.","start":1487.64,"end":1495.24,"sentiment":"neutral","sentiment_score":-0.19059104944268862},{"text":"And also my salary dropped like $30 or $40 or something.","start":1495.24,"end":1498.6001,"sentiment":"neutral","sentiment_score":-0.24449238181114197}],"sentiment":"neutral","sentiment_score":-0.1118277305411914,"num_words":126,"start":1467.5599,"end":1498.6001},{"sentences":[{"text":"So so yeah.","start":1498.6001,"end":1500.7001,"sentiment":"neutral","sentiment_score":-0.010989045103391012},{"text":"I'm I'm aware I'm aware of the idea of doing it.","start":1501.205,"end":1503.605,"sentiment":"neutral","sentiment_score":0.0793736485595053},{"text":"It's just working out, yeah, when when it becomes affordable, I guess, for us with our budget.","start":1503.605,"end":1508.825,"sentiment":"neutral","sentiment_score":0.11952933997792356},{"text":"So but yeah.","start":1508.885,"end":1510.905,"sentiment":"neutral","sentiment_score":0.04550154507160187},{"text":"Yeah.","start":1514.19,"end":1514.69,"sentiment":"neutral","sentiment_score":0.11947745084762572}],"sentiment":"neutral","sentiment_score":0.08937496755804335,"num_words":35,"start":1498.6001,"end":1514.69},{"sentences":[{"text":"Yeah.","start":1516.9099,"end":1517.4099,"sentiment":"neutral","sentiment_score":0.0683007463812828},{"text":"Yeah.","start":1525.47,"end":1525.97,"sentiment":"neutral","sentiment_score":0.07102635502815247},{"text":"Yes.","start":1531.685,"end":1532.185,"sentiment":"positive","sentiment_score":0.3816887438297272},{"text":"Mhmm.","start":1532.3251,"end":1532.8251,"sentiment":"positive","sentiment_score":0.3557899594306946},{"text":"Yeah.","start":1540.3251,"end":1540.8251,"sentiment":"neutral","sentiment_score":0.18487372994422913}],"sentiment":"neutral","sentiment_score":0.21233590692281723,"num_words":5,"start":1516.9099,"end":1540.8251},{"sentences":[{"text":"That that being said, and I don't know what you can or can't say, we've I mentioned to you previously about shares that we had.","start":1541.765,"end":1549.56,"sentiment":"neutral","sentiment_score":0.04106854543089867},{"text":"And with the capital tax changes, is the capital tax capital gains So is the c g CGT effective have we got until June 30 to sell?","start":1549.7001,"end":1562.195,"sentiment":"neutral","sentiment_score":0.0657618898484442},{"text":"Is that right?","start":1562.195,"end":1563.1749,"sentiment":"neutral","sentiment_score":0.07958340148131053},{"text":"Or or are we Yeah.","start":1564.355,"end":1574.15,"sentiment":"neutral","sentiment_score":0.026635251194238662},{"text":"Yep.","start":1574.53,"end":1575.03,"sentiment":"neutral","sentiment_score":0.08977475762367249}],"sentiment":"neutral","sentiment_score":0.0535079652412993,"num_words":61,"start":1541.765,"end":1575.03},{"sentences":[{"text":"Yeah.","start":1578.61,"end":1579.09,"sentiment":"neutral","sentiment_score":0.16264420747756958},{"text":"Yeah.","start":1579.09,"end":1579.49,"sentiment":"neutral","sentiment_score":0.312592476606369},{"text":"Nice.","start":1579.49,"end":1579.89,"sentiment":"positive","sentiment_score":0.5887924432754517},{"text":"It's all share.","start":1579.89,"end":1580.53,"sentiment":"positive","sentiment_score":0.4265756408373515},{"text":"Like, I've got, like, shares with NHC, which, to be honest, I got for a dollar 33, and they they travel around $6 a share now at 20,000 of them.","start":1580.53,"end":1589.5149,"sentiment":"neutral","sentiment_score":0.3025143841902415}],"sentiment":"neutral","sentiment_score":0.3171996548771858,"num_words":36,"start":1578.61,"end":1589.5149},{"sentences":[{"text":"And Yeah.","start":1589.6549,"end":1590.695,"sentiment":"neutral","sentiment_score":0.25287026911973953},{"text":"My dividends, like I mean, I just got another $30.30 cents.","start":1590.7749,"end":1594.695,"sentiment":"positive","sentiment_score":0.33638403632424096},{"text":"I've had 40¢ for the year, so $8 in dividends for the year.","start":1594.695,"end":1597.7549,"sentiment":"positive","sentiment_score":0.3529401545723279},{"text":"I paid, like, what's the dollar 33 times 20, you know, like $28 or whatever, $27 for them, and I got $8 in in gives this year.","start":1597.8949,"end":1607.04,"sentiment":"neutral","sentiment_score":0.30374938359966985},{"text":"Like, I just I just got lucky in terms of the share price and what it's like, it's it's a call share it's a call share, so it's going from, like I said, dollars 33 to 6 dollars.","start":1607.04,"end":1617.4951,"sentiment":"positive","sentiment_score":0.35085797996113177}],"sentiment":"neutral","sentiment_score":0.33305648209320177,"num_words":91,"start":1589.6549,"end":1617.4951},{"sentences":[{"text":"And and so there's a big CGT event happening there, but, obviously, 50% off.","start":1618.1951,"end":1623.015,"sentiment":"neutral","sentiment_score":0.16779414138623647},{"text":"Yeah.","start":1623.235,"end":1623.315,"sentiment":"neutral","sentiment_score":-0.018598640337586403},{"text":"I was just trying to work out what the 50% off was, whether that died in the arse come July 1 or whether it's I I believe it's pro rata.","start":1623.315,"end":1630.275,"sentiment":"neutral","sentiment_score":-0.07678128853440284},{"text":"Like, as in, you know, like, I find it for that has ten years for argument's sake and and only one year it's been without the CGT benefit.","start":1630.275,"end":1638.25,"sentiment":"neutral","sentiment_score":-0.11809957080653735},{"text":"So, yeah, there'd be a whole heap of working out of numbers, but I think yeah.","start":1638.25,"end":1642.33,"sentiment":"neutral","sentiment_score":-0.14483497943729162}],"sentiment":"neutral","sentiment_score":-0.06288839292743903,"num_words":89,"start":1618.1951,"end":1642.33},{"sentences":[{"text":"I'm just tossing up whether to get rid of it or or just keep keep getting, like, you know, $8 a year in gears and do something.","start":1642.33,"end":1648.3049,"sentiment":"neutral","sentiment_score":-0.17137738096493263},{"text":"Like, that just it's just a it's it's a positive.","start":1648.3049,"end":1650.945,"sentiment":"neutral","sentiment_score":-0.013640660280361771},{"text":"Right?","start":1650.945,"end":1651.1849,"sentiment":"neutral","sentiment_score":0.0277477502822876},{"text":"It's another $8.","start":1651.1849,"end":1651.985,"sentiment":"neutral","sentiment_score":0.023031312351425488},{"text":"Like, that actually pays for my daughter's school fees each year.","start":1651.985,"end":1655.445,"sentiment":"neutral","sentiment_score":0.005628422410650687}],"sentiment":"neutral","sentiment_score":-0.08855464528852071,"num_words":52,"start":1642.33,"end":1655.445},{"sentences":[{"text":"So Yep.","start":1655.6649,"end":1665.3401,"sentiment":"neutral","sentiment_score":0.04878180380910634},{"text":"Yeah.","start":1677.845,"end":1678.165,"sentiment":"neutral","sentiment_score":-0.0259927362203598},{"text":"I I wouldn't think so.","start":1678.165,"end":1679.285,"sentiment":"neutral","sentiment_score":-0.053979667276144026},{"text":"You'd think Carl because of, you know, with him and everything else that's going on.","start":1679.285,"end":1682.725,"sentiment":"neutral","sentiment_score":-0.016111271207531294},{"text":"Like, it's yeah.","start":1682.725,"end":1683.785,"sentiment":"neutral","sentiment_score":-0.005449335595282416}],"sentiment":"neutral","sentiment_score":-0.01755171307237246,"num_words":26,"start":1655.6649,"end":1683.785},{"sentences":[{"text":"So Yeah.","start":1684.245,"end":1689.51,"sentiment":"neutral","sentiment_score":0.004580080509185791},{"text":"Yes.","start":1699.65,"end":1700.0499,"sentiment":"neutral","sentiment_score":0.016667261719703674},{"text":"Yeah.","start":1700.0499,"end":1700.5499,"sentiment":"neutral","sentiment_score":0.030442122370004657},{"text":"Yeah.","start":1714.205,"end":1714.525,"sentiment":"neutral","sentiment_score":-0.0010735280811786652},{"text":"Long time.","start":1714.525,"end":1715.07,"sentiment":"neutral","sentiment_score":-0.002913464792072773}],"sentiment":"neutral","sentiment_score":0.007052726777536529,"num_words":7,"start":1684.245,"end":1715.07},{"sentences":[{"text":"Yeah.","start":1715.1499,"end":1715.3099,"sentiment":"neutral","sentiment_score":0.02941715344786644},{"text":"Yep.","start":1715.3099,"end":1715.8099,"sentiment":"neutral","sentiment_score":0.03543664515018463},{"text":"Yep.","start":1716.99,"end":1717.1499,"sentiment":"neutral","sentiment_score":0.026403609663248066},{"text":"No.","start":1717.1499,"end":1717.3099,"sentiment":"negative","sentiment_score":-0.4461466670036316},{"text":"That's cool.","start":1717.3099,"end":1717.87,"sentiment":"negative","sentiment_score":-0.5693991780281067}],"sentiment":"neutral","sentiment_score":-0.24894793579975763,"num_words":6,"start":1715.1499,"end":1717.87},{"sentences":[{"text":"I'll yeah.","start":1717.87,"end":1720.35,"sentiment":"neutral","sentiment_score":-0.04943976411595941},{"text":"Yeah.","start":1720.35,"end":1720.59,"sentiment":"neutral","sentiment_score":0.002792706713080406},{"text":"Yeah.","start":1720.59,"end":1720.83,"sentiment":"neutral","sentiment_score":-0.013927637599408628},{"text":"No.","start":1720.83,"end":1721.07,"sentiment":"neutral","sentiment_score":-0.07950764149427414},{"text":"Of course.","start":1721.07,"end":1721.3899,"sentiment":"neutral","sentiment_score":-0.039503198117017746}],"sentiment":"neutral","sentiment_score":-0.03836121383522238,"num_words":7,"start":1717.87,"end":1721.3899},{"sentences":[{"text":"Yeah.","start":1721.3899,"end":1721.71,"sentiment":"neutral","sentiment_score":-0.028600525110960007},{"text":"I know.","start":1721.71,"end":1722.11,"sentiment":"neutral","sentiment_score":-0.035977679304778576},{"text":"I wasn't yeah.","start":1722.11,"end":1722.99,"sentiment":"neutral","sentiment_score":-0.06613525375723839},{"text":"It's it's there's a couple of different things going there.","start":1722.99,"end":1724.9099,"sentiment":"neutral","sentiment_score":-0.016809265688061716},{"text":"Because like I say, at the moment, it's covering most of my daughter's school fees, which is which is grand, because I pay them up front each year rather than yeah.","start":1724.9099,"end":1732.885,"sentiment":"neutral","sentiment_score":0.026778197884860057}],"sentiment":"neutral","sentiment_score":0.007724890054421539,"num_words":47,"start":1721.3899,"end":1732.885},{"sentences":[{"text":"Because it's small discount, but it's $500 or something that that's better in my pocket.","start":1732.885,"end":1736.965,"sentiment":"neutral","sentiment_score":0.08784030228853226},{"text":"So no.","start":1736.965,"end":1740.085,"sentiment":"neutral","sentiment_score":0.050846636295318604},{"text":"That sounds good.","start":1740.085,"end":1741.0449,"sentiment":"positive","sentiment_score":0.5111223856608073},{"text":"Alright.","start":1741.0449,"end":1741.365,"sentiment":"neutral","sentiment_score":0.304049015045166},{"text":"Well, I'll I'll get this signed.","start":1741.365,"end":1743.845,"sentiment":"neutral","sentiment_score":0.25896833340326947}],"sentiment":"neutral","sentiment_score":0.17816755479132687,"num_words":27,"start":1732.885,"end":1743.845},{"sentences":[{"text":"Once we hang up, I'll have a quick squid through it and and sign that, and you'll have it back tonight.","start":1743.845,"end":1748.0,"sentiment":"neutral","sentiment_score":0.23157766319456555},{"text":"No.","start":1770.125,"end":1770.365,"sentiment":"neutral","sentiment_score":-0.15094564855098724},{"text":"No.","start":1770.365,"end":1770.525,"sentiment":"neutral","sentiment_score":-0.1816118359565735},{"text":"I'm good I'm good with the the annual.","start":1770.525,"end":1772.545,"sentiment":"neutral","sentiment_score":-0.10619252547621727},{"text":"That's that's fine.","start":1772.6051,"end":1773.645,"sentiment":"neutral","sentiment_score":0.07030073553323746}],"sentiment":"neutral","sentiment_score":0.11446868956965559,"num_words":34,"start":1743.845,"end":1773.645},{"sentences":[{"text":"Yeah.","start":1773.645,"end":1774.145,"sentiment":"neutral","sentiment_score":0.13264116644859314},{"text":"Yeah.","start":1788.28,"end":1788.52,"sentiment":"neutral","sentiment_score":0.029923085123300552},{"text":"Yeah.","start":1788.52,"end":1789.02,"sentiment":"neutral","sentiment_score":0.03776006773114205},{"text":"Yep.","start":1797.825,"end":1798.325,"sentiment":"neutral","sentiment_score":0.07351234555244446},{"text":"Yeah.","start":1801.0249,"end":1801.505,"sentiment":"neutral","sentiment_score":-0.051042359322309494}],"sentiment":"neutral","sentiment_score":0.04455886110663414,"num_words":5,"start":1773.645,"end":1801.505},{"sentences":[{"text":"No.","start":1801.505,"end":1801.6649,"sentiment":"neutral","sentiment_score":-0.2393675446510315},{"text":"No.","start":1801.6649,"end":1801.9049,"sentiment":"neutral","sentiment_score":-0.2722349166870117},{"text":"That all makes sense.","start":1801.9049,"end":1803.0449,"sentiment":"neutral","sentiment_score":-0.22423861548304558},{"text":"That's that's the roller coaster of super and why you don't look at it every day.","start":1803.105,"end":1807.6599,"sentiment":"negative","sentiment_score":-0.3637912683188915},{"text":"I mean, for me, not you.","start":1807.6599,"end":1809.2799,"sentiment":"neutral","sentiment_score":-0.14654514690240225}],"sentiment":"neutral","sentiment_score":-0.2895888606352465,"num_words":28,"start":1801.505,"end":1809.2799},{"sentences":[{"text":"That's what you do.","start":1809.34,"end":1810.22,"sentiment":"neutral","sentiment_score":0.2545262463390827},{"text":"But yeah.","start":1810.22,"end":1810.86,"sentiment":"neutral","sentiment_score":0.07944557815790176},{"text":"Like, it's yeah.","start":1810.86,"end":1811.58,"sentiment":"neutral","sentiment_score":0.06469325100382169},{"text":"I mean, it's the same, to be honest.","start":1811.58,"end":1812.7799,"sentiment":"neutral","sentiment_score":0.054030411411076784},{"text":"There's no different to shares.","start":1812.7799,"end":1813.9,"sentiment":"neutral","sentiment_score":0.0132646344602108}],"sentiment":"neutral","sentiment_score":0.0849837435578758,"num_words":22,"start":1809.34,"end":1813.9},{"sentences":[{"text":"Like, they go off and down like a yo yo as well, but, yeah, it it is what it is.","start":1813.9,"end":1818.72,"sentiment":"neutral","sentiment_score":0.04596730740740895},{"text":"Yes.","start":1831.355,"end":1831.855,"sentiment":"neutral","sentiment_score":0.13788622617721558},{"text":"Yeah.","start":1843.3301,"end":1843.81,"sentiment":"neutral","sentiment_score":0.06264930218458176},{"text":"No.","start":1843.81,"end":1843.9701,"sentiment":"neutral","sentiment_score":-0.08761292695999146},{"text":"No.","start":1843.9701,"end":1844.29,"sentiment":"neutral","sentiment_score":-0.05089614540338516}],"sentiment":"neutral","sentiment_score":0.04089052517277499,"num_words":24,"start":1813.9,"end":1844.29},{"sentences":[{"text":"Sounds good.","start":1844.29,"end":1845.11,"sentiment":"positive","sentiment_score":0.5960765182971954}],"sentiment":"positive","sentiment_score":0.5960765182971954,"num_words":2,"start":1844.29,"end":1845.11}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hold on, sweetie.\n\nChannel 0: Good day, Dale. It's Tommy here, senior adviser from Oakview, mate. How are you doing?\n\nChannel 1: Good. Thanks, man.\n\nChannel 0: Mate, I've just got you booked in for that chat. Thank you so much for messaging me back. I'm just gonna send you through an email with this plan attached. Will you be able to look onto it with me today, or should I walk you\n\nChannel 1: Yeah.\n\nChannel 0: through it?\n\nChannel 1: Yeah. Yeah. I'll are you what email address do you have? I've got I'm sitting at work. Can you copy\n\nChannel 0: Yep.\n\nChannel 1: in my work email address so I can just open it straight up on the computer or\n\nChannel 0: I can send you the plan to the work address, but all the rest of the documents today is just\n\nChannel 1: not?\n\nChannel 0: gonna match what's on the the super account. That's all.\n\nChannel 1: Yeah. Yeah. Yeah. Just send the plan because I'm sitting here with two monitors and I can obviously open what you're looking at. You know what I'm saying?\n\nOtherwise, you send it to me and I can just send it on to my work one and before we start looking at it sort of thing. I don't I don't mind. Whatever is easiest.\n\nChannel 0: Yep. No worries. I'll I'll send to the work one. Let me just go through a quick security check with you, and\n\nChannel 1: Yeah. Sure.\n\nChannel 0: then I can grab that extra email from you. So I just need your date of birth and address that we have on file.\n\nChannel 1: Twenty nine five seventy eight. Eight Sunnywell Place, seven one four one five three.\n\nChannel 0: Sensational. Registered with adviser 1273105. Are you okay for the call to be recorded?\n\nChannel 1: Yeah, mate. That's fine.\n\nChannel 0: Beautiful. So I'll get this here. I've got statement of advice. Thank you. Financial.\n\nJust gonna grab a few attachments. There's a few extra documents there that I'm just gonna leave off for the main pack, and it'll just be that\n\nChannel 1: Yep.\n\nChannel 0: main one on this. Just bear with me for a moment. And just while I'm doing that, mate, how are you and Joe and the kids going?\n\nChannel 1: Yeah. Good. Good. We I was at the G last weekend. So I went to the G and watched the lines win.\n\nSo\n\nChannel 0: Oh,\n\nChannel 1: that's\n\nChannel 0: yeah?\n\nChannel 1: the last fantastic. And then I had a concert with the wife as well in Melbourne. So we got back yesterday, actually.\n\nChannel 0: Good stuff.\n\nChannel 1: So yeah. No. All good. All good.\n\nChannel 0: Alright, mate. I'm ready for that email address\n\nChannel 1: So It's\n\nChannel 0: when\n\nChannel 1: just\n\nChannel 0: you are.\n\nChannel 1: it's just dale at\n\nChannel 0: Mhmm.\n\nChannel 1: and then ben, c b e n for Ben, the name Benjamin, b e n\n\nChannel 0: Mhmm.\n\nChannel 1: c e e,\n\nChannel 0: B e n c, double e,\n\nChannel 1: yep, dot com dot a u.\n\nChannel 0: dot com dot a u. Just for compliance purposes, I'll put in your Gmail just to cc into\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Sure. Yeah. That's cool. It's just\n\nChannel 0: And\n\nChannel 1: yeah. Yeah. I mean, obviously, look at the monitors then.\n\nChannel 0: yeah. Absolutely. I'm running five at the moment just for a bit of fun.\n\nChannel 1: Yeah. I'm only at three.\n\nChannel 0: Look. It's probably more distracting than anything, to be honest, but it helps sometimes. While that's going through, I'm gonna send the main pack off to the Gmail just so it's there as well.\n\nChannel 1: Yeah. I don't need to be looking at that during the call. I just is this a no other Dropbox signature stuff that I gotta\n\nChannel 0: Yeah. Correct. What'll go along with it is just like financial services guide updated from us with all our new structures and all the product documents,\n\nChannel 1: do? Yes.\n\nChannel 0: attachments,\n\nChannel 1: That's come\n\nChannel 0: extra\n\nChannel 1: through\n\nChannel 0: research.\n\nChannel 1: now, I think, where our\n\nChannel 0: Beautiful.\n\nChannel 1: discussion is requested. Oh, yeah. That's come through to my wife one as well. Yeah. Called off that.\n\nChannel 0: Yep. So that's the one we need to open up. If you can have a\n\nChannel 1: Yep.\n\nChannel 0: little scroll through this one for\n\nChannel 1: Yep. Statement of advice would be paid for twenty first. Tell\n\nChannel 0: me. Yeah. So I've just updated\n\nChannel 1: me.\n\nChannel 0: it for yesterday because our SOAs have expiry dates on them. So I just wanted\n\nChannel 1: Yeah.\n\nChannel 0: to keep it as fresh as possible for you.\n\nChannel 1: Yeah. That's cool. So it is documented best interest duty. All standard.\n\nChannel 0: I just need to go down to scope of advice heading for a quick\n\nChannel 1: Yep.\n\nChannel 0: sec on page three and four.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So So what we're doing here is I'm reviewing both the portfolios for both super funds just given what's happened\n\nChannel 1: Yes.\n\nChannel 0: this year with the markets. We've had, obviously, there are more kicked off few other things.\n\nChannel 1: Yes.\n\nChannel 0: I wanna make\n\nChannel 1: Yes.\n\nChannel 0: changes to both of them. You had requested for us to do six monthly rollovers from the department, just maintain the insurances in there if that rings a bell?\n\nChannel 1: Yes. Yes. Yep.\n\nChannel 0: Cool. I've got that in this document as well for the plan just so you don't have to constantly sign documents all the time. But just\n\nChannel 1: Yep.\n\nChannel 0: for the recent nine months, it took a little while to get up to the balance I wanted it to be, so I haven't touched it just yet.\n\nChannel 1: Yeah. That's cool. For some, baby. Sorry. For for the the plumbing you're talking about?\n\nChannel 0: Correct. Yeah. It's\n\nChannel 1: Yes.\n\nChannel 0: usually, I wanna wait till there's about about $10 sweep to do. It's\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Again.\n\nChannel 0: gotten there sitting at 22 at the moment.\n\nChannel 1: Yep. Yep. No. That's cool.\n\nChannel 0: Insurance wise, so obviously, due to health, we're keeping the insurances intact as best we can for one. I wanna make sure that we keep\n\nChannel 1: Yes.\n\nChannel 0: 12 in there because 10 is kind of just it's cutting it a bit short. Market crashes, there's a risk of losing the insurance, and I don't want you to lose those\n\nChannel 1: Yep. No. Yeah.\n\nChannel 0: because we can't get them back\n\nChannel 1: Yep.\n\nChannel 0: If you go\n\nChannel 1: What's\n\nChannel 0: past\n\nChannel 1: the\n\nChannel 0: there\n\nChannel 1: minimum what's the minimum what's the minimum we gotta leave in there? Is it just more about servicing the loan or is it oh, sorry.\n\nChannel 0: so\n\nChannel 1: Servicing the fees or is it or is there a minimum that I need to maintain?\n\nChannel 0: so 6 is the minimum. If it drops below 6, you get hit. We\n\nChannel 1: Yep.\n\nChannel 0: keep 12 in there for two years premiums and a 20% buffer, essentially.\n\nChannel 1: Yeah. Yeah. Cool. Yeah. Yeah.\n\nCool. Cool.\n\nChannel 0: Cool.\n\nChannel 1: No. That's\n\nChannel 0: Outside\n\nChannel 1: all good.\n\nChannel 0: of that, beneficiary nominations, we'll just make sure all that's good. Budgeting, investments, we're not giving any advice on, like, shares, cash flow, debt management at this point. This is just purely for the super.\n\nChannel 1: Yes.\n\nChannel 0: Cool. If you swing past there now I believe this will be a bit out of date because it has been a little while, but the about you section on pages seven and eight, it's got your income listed at $1.50. I believe you probably had a bit of a tick up since financial year.\n\nChannel 1: Yeah. $1.61, I think, or 01/6700.\n\nChannel 0: Yep. Alright. I'll\n\nChannel 1: It's called\n\nChannel 0: add\n\nChannel 1: one\n\nChannel 0: them.\n\nChannel 1: 61. Yeah.\n\nChannel 0: $1.61. Easy done. Won't make too much of a difference. This is for the contributions for projections.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Outside of the assets and liabilities,\n\nChannel 1: Actually\n\nChannel 0: obviously\n\nChannel 1: actually\n\nChannel 0: yep.\n\nChannel 1: sorry. Sorry. Sorry. Back up a sec. Sorry.\n\nWith that, the actual contributions are based on $1.40 because $20 a car allowance, and I think that's the owner deliberately\n\nChannel 0: Mhmm.\n\nChannel 1: not giving me super on the extra 20. So\n\nChannel 0: I thought\n\nChannel 1: so\n\nChannel 0: it was a Tableau.\n\nChannel 1: yeah. So it's actually one forty plus 20. Yeah. Round numbers. It might be $14,300 or something.\n\nBut yeah. So it's only\n\nChannel 0: Okay.\n\nChannel 1: it's only $1.40 plus 20 plus 20 allowance. So for your purposes, I won't be getting super on the extra 20. You know what I'm saying?\n\nChannel 0: Yes. And this projection's based on SGC on one fifty, so it's just a tad over disclosing at this\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: point. But I'll put that on file just so for future plans, I'll base it on $1.40 until you say otherwise.\n\nChannel 1: Yeah. Cool. Cool.\n\nChannel 0: Cool. The home, I believe, quick online valuation. I think your home value went up, like, 1.5, 1.6 or something. The loan, I believe there's any liabilities or anything. Just the shares, the car, the savings, the home, probably a little bit out of date, those figures, on the\n\nChannel 1: Yeah.\n\nChannel 0: next one.\n\nChannel 1: The yeah. The house is probably more like 1.5. The shares are more like $1.45. The car is yeah. Leave it at that because we've we've got we've Joe's got a salary tax plus car that she's got,\n\nChannel 0: Uh-huh.\n\nChannel 1: but we've only got one car\n\nChannel 0: Gotcha.\n\nChannel 1: now. Well, we've got two cars, but we've only got one that that is debt free. The other one is a salary sacrifice that she's paying for, not me.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. And then, yeah, the rest of that's fine, give or take. I think the the savings are probably closer to a 100 between us, but, yeah, we have school fees done of $40 a year next year. So\n\nChannel 0: Yeah. And\n\nChannel 1: yeah.\n\nChannel 0: that was a big thing for you. I think I've put in the goals if you get down a couple of pages past the risk profile section. I've put in there that we're gonna maintain the school fees for, like, four, five years. And\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: Yeah.\n\nChannel 0: once that's clear, we can make some adjustments to insurances, cash flow\n\nChannel 1: Yeah.\n\nChannel 0: strategies,\n\nChannel 1: The insurance\n\nChannel 0: and best.\n\nChannel 1: can go once the kids finish school, which he's he's going into grade five next year. But, you know, when he's in, like, grade eleven and twelve, like, at that point, it could go because we'll have enough. You know what I mean? Like, that last couple of years, I can go once I'm down to one kid. But at the moment, I'm still three kids at\n\nChannel 0: Predependent.\n\nChannel 1: at\n\nChannel 0: Yeah.\n\nChannel 1: okay. Yep.\n\nChannel 0: No. That's totally fair. If you swing down to look. I apologize for the the text heavy on this one, but page 11, strategy recommendations.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So exactly what we just said, we'll do the sweep across plus every six months if it's a viable balance,\n\nChannel 1: Yep.\n\nChannel 0: update\n\nChannel 1: Cool.\n\nChannel 0: the portfolios within Plum and Hub. And I have recommended, if possible, just to do an opt in form for Plum because I was gonna send you out an investment switch form with a forward on envelope, and\n\nChannel 1: What's\n\nChannel 0: I could do\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: old\n\nChannel 0: opt\n\nChannel 1: bathing\n\nChannel 0: in\n\nChannel 1: thing\n\nChannel 0: there\n\nChannel 1: that you're\n\nChannel 0: as well.\n\nChannel 1: talking about? Sorry.\n\nChannel 0: So it basically says that even if your account temporarily dips below $6,000 that you don't want them to touch or cancel the insurance until it goes to zero to give you a bigger buffer.\n\nChannel 1: Yeah. Cool. Yeah. Yeah. So is that something you can get to me and I just fill out?\n\nIs that\n\nChannel 0: We're gonna prefill all of it. It's just those two forms, they may not accept our digital signature program. So I'm just gonna post it with a four door envelope and prefill the whole lot\n\nChannel 1: Yep. Oh, please. So I just sign it and send it.\n\nChannel 0: for you. Yeah. If you can just drop it in a box after signing it, that's\n\nChannel 1: Yeah.\n\nChannel 0: all you need to do.\n\nChannel 1: Yes. So I can cope. Awesome.\n\nChannel 0: Alright. When it comes to just slightly differently than I normally do SOAs here, page twelve and thirteen, there's advantages and disadvantages tables here.\n\nChannel 1: Yes.\n\nChannel 0: Let's just skip that for a quick second because it won't make too much sense until we go through the tables. And just go to page 15 for me, the fee comparison table.\n\nChannel 1: Yep. Got it.\n\nChannel 0: So the main thing to kind of point out here is this just includes obviously the balance, which is between the two accounts. There's\n\nChannel 1: Yes.\n\nChannel 0: a difference column on the right hand side. Now there's no capital gains tax to be paid from updating the investments. We did a bit of a check under the hood to make sure there wasn't gonna be a big gain to cause an issue with the super taxes.\n\nChannel 1: Yep.\n\nChannel 0: With Plum, if we update the portfolio the way I'm wanting to, it makes it slightly more aggressive in line with the high growth. It's a little bit more expensive, but the portfolio switch within hub is less expensive. So they kind of even each other out overall.\n\nChannel 1: Sorry. What are you changing? Sorry. Changing plumbing or\n\nChannel 0: So I'm doing a slight update to both, which I'll show\n\nChannel 1: changing\n\nChannel 0: you on the next one.\n\nChannel 1: hub?\n\nChannel 0: But\n\nChannel 1: Okay.\n\nChannel 0: just as\n\nChannel 1: Yep.\n\nChannel 0: a an idea on the fee impact, there'll\n\nChannel 1: Yep.\n\nChannel 0: be a reduction of investment fees within Hub, an increase in investment fees with Plum, and it kind of evens out to be about the same.\n\nChannel 1: Yeah. Yeah. Right. Okay. So the total cost change is $500.\n\nIs that right?\n\nChannel 0: No. So that's $500. We've got a new tiered fee structure for Oakview for adviser service fees. So everyone above 200,000 starts to get discounts, and there's another discount after 500,000, which you're getting pretty close to. So that's the fee savings there.\n\nChannel 1: Okay. Alright. Okay. Yep.\n\nChannel 0: Yep.\n\nChannel 1: So deposit\n\nChannel 0: Down\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: 500 deposited that's in the saving, not a not a in increase. Yeah.\n\nChannel 0: correct.\n\nChannel 1: Right. Okay. So $8 goes to 70. Yeah. Cool.\n\nOkay. Cool.\n\nChannel 0: At the bottom there, the averages, I've got a split table after this one, but, basically, the five year rolling average still sits at that 13% when I factor\n\nChannel 1: Yep.\n\nChannel 0: in both funds.\n\nChannel 1: Yep.\n\nChannel 0: But if you go to the next page, I've got a full breakdown for you just so you can see what's going on.\n\nChannel 1: So in five years, $7.70 recommend. Yeah. Okay. 40 k extra. And then yeah.\n\nRight. Okay. Cool.\n\nChannel 0: Yep. Overall, if we maintain that high growth, you you're pretty well almost fully invested. If we maintain that, you're gonna be soaring up to the mill pretty, pretty quickly, and then there's a measure of reducing the risk. So like I spoke about last year, fourteen years to go, let's do seven years of huge growth and then seven years of slowly reducing the risk down so you don't lose\n\nChannel 1: Yeah.\n\nChannel 0: all of it, you know, a year before you retire.\n\nChannel 1: Yeah. Yeah. Yep. Makes sense.\n\nChannel 0: Essentially, two market cycles. We're gonna use the volatility at the moment as a bit of a buying opportunity.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool.\n\nChannel 1: And is that changing the the investment strategy of whatever it is, the the package, I guess, or whatever you wanna call it? Is that is that what you're saying? Has been changing how it's how what shares it is that's in the in the portfolio?\n\nChannel 0: Correct. So\n\nChannel 1: Yep.\n\nChannel 0: with the performance with the low, I have color coded it a little bit just so you can see what's going on. The benchmark\n\nChannel 1: Whereabouts\n\nChannel 0: we're aiming\n\nChannel 1: are\n\nChannel 0: for\n\nChannel 1: you?\n\nChannel 0: is\n\nChannel 1: Sorry. Are you on?\n\nChannel 0: same page as the projections.\n\nChannel 1: Yeah. Recommended, where it's orange and green.\n\nChannel 0: Yes. So\n\nChannel 1: Yep.\n\nChannel 0: in there, 9% is kind of the minimum benchmark that you want for your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: Currently, both Plum and Hub got hit with the market drops recently, so a bit below that. The long term was getting a little bit laggy. But once we update both portfolios, you should be pretty well in double digits across all the time frames, except the\n\nChannel 1: Yep.\n\nChannel 0: plums just slightly slightly lagging, but it'll\n\nChannel 1: Yep.\n\nChannel 0: bump up quite a bit as well.\n\nChannel 1: Yep. Cool.\n\nChannel 0: The investments themselves on the next page, I have done and, oh, I apologize for rainbowing this one, but easiest way to understand it. Plumb Super, I'm recommending you go from their growth option to their MLC high growth.\n\nChannel 1: Yep.\n\nChannel 0: They have some really good options, to be honest, like top 10 in the industry kinda thing that when, you know, news articles, they're high growth. They just shade up your growth assets by about 10% within there and bumps up the returns 2% average over ten years, which is huge.\n\nChannel 1: Yep. Yeah. Yep. Yep.\n\nChannel 0: Inside the hub so I've been reconstructing everyone's portfolios this year given what's been going on, but yours, in particular, I'm not actually touching too much. So see all the blue ones there in that second last the target weight percentages?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I'm rebalancing most of them, selling off the Benelong option, which has been underperforming. I flagged it with you last year because it only grew a couple of percent, but it's actually\n\nChannel 1: Yep.\n\nChannel 0: been plummeting quite fast, a bit faster than the market\n\nChannel 1: Yep.\n\nChannel 0: has been.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: So I'm replacing that with the bottom option, which is the Alfiniti Australian share in green.\n\nChannel 1: Yep.\n\nChannel 0: Basically, it reduces the fees by 10% in comparison, and this one has been outperforming the Aussie market over one, three, five, and ten years. So it's just a straight up sidestep into someone who's doing much better.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Everything else is perfect. You've got battery tech and lithium. Electric vehicles has been soaring up massively. Even the China shares have been up. The Nasdaq, you've got all the tech stocks, and AI exposure has been huge.\n\nEverything is brilliant inside the portfolio. The only one to watch is just the Australian property option. With the CGT negative gearing changes, it got hit a little bit. I'm gonna keep an eye on that one and see if we need to switch that out next year as well.\n\nChannel 1: Yeah. Okay. Yep. That's it. Yep.\n\nThat's probably all. One. So the negative that's in the buy sell, the negative means you're selling them to get the 96 k for an Alfiniti. Is that right?\n\nChannel 0: Yes. So\n\nChannel 1: Yes.\n\nChannel 0: Ben Long's being a full sell. Everything else is either a buy or a sell just to bring it back to the weightings that it should be based on the original model portfolio.\n\nChannel 1: Yeah. Yeah. Yeah. Just the 20% on the bottom three and then that yeah. Then make sure the others.\n\nIs that is that right? Is that what I'm saying?\n\nChannel 0: Exactly. Right. So\n\nChannel 1: Yep.\n\nChannel 0: then along goes it goes into Afiniti. Everyone else, we bring it down from, you know, 5.2% back to five or up\n\nChannel 1: Yeah.\n\nChannel 0: from three and a half back to six and where they should be in\n\nChannel 1: Yep.\n\nChannel 0: comparison to each other.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: So I just call that a rebalance, really.\n\nChannel 1: Yeah. Yep. That\n\nChannel 0: And that's sorry. Last table is\n\nChannel 1: makes sense.\n\nChannel 0: page 19 at the bottom, 20 on the software. You've got growth allocation pie chart.\n\nChannel 1: Yeah. The pie charts for a proposed asset allocation. Is that the one you're talking about?\n\nChannel 0: Yeah. So middle row in gray, there's a growth total. You need 90 to a 100% to be high growth. You're sitting at the top end at 97 currently. Once we fix it up, it'll be 98 and a half.\n\nChannel 1: I I've lost you what page you were on. Sorry, mate. Sorry.\n\nChannel 0: No. You're\n\nChannel 1: So\n\nChannel 0: right. 19 with the pie chart.\n\nChannel 1: yeah. See, nineteen's got no pie chart. Twenty's got a pie chart which says proposed asset allocation. But on page 19, there's no pie chart, which down\n\nChannel 0: Should\n\nChannel 1: the bottom\n\nChannel 0: have a\n\nChannel 1: says page eight. It says page 18 on the on the like, on your footer. Is that the page you wanna be on, which is 19 on the on the on the Adobe or whatever?\n\nChannel 0: yeah. Yep. That's the one. Sorry. Difference\n\nChannel 1: Yeah.\n\nChannel 0: between the old Gmail and the document.\n\nChannel 1: No. That's cool. So looking at it, it says investment name. It says cash account, you know, your $6 or whatever. Underneath that, the page is blank.\n\nLike, there's no pie chart on that page. The first pie chart I see is proposed asset allocation.\n\nChannel 0: Yes. That's the one.\n\nChannel 1: Oh, okay. So then okay. So and then where's the 97 or something that I was looking at?\n\nChannel 0: Middle row of the table that's under the pie chart should say growth total, and it's kind of a\n\nChannel 1: Got\n\nChannel 0: gray\n\nChannel 1: yeah.\n\nChannel 0: bar.\n\nChannel 1: Got yeah. 97.65. Yeah. Got yeah. Sorry, mate.\n\nChannel 0: Yep. So we still keep it to the top end of high growth. The slight change in the MLC plum, that'll get you up a tiny bit. But, again, we're just keeping you pretty much fully invested at this point.\n\nChannel 1: Yes. Yeah. Yeah. Yep. Yep.\n\nChannel 0: Minimum cash balance is 1.25 for hub, that kind of thing.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And that's pretty much the plan. Everything after this is just, you know, keep your plumb super. Here's your updated figures for the life TPD, updated premiums, impact tables for that one, some reminders for, I don't know if you end up putting a a will in place.\n\nChannel 1: We we spoke about it, and then, I don't know, life gets away.\n\nChannel 0: It\n\nChannel 1: I'll\n\nChannel 0: does.\n\nChannel 1: I'll I'll print I'll print some yeah. No. I'll yeah. We've we've got we got a legal wheel kit thing. It's legal wheel kit.\n\nIt's something similar at home. We just we just didn't do anything with. So I yeah. I need to do it.\n\nChannel 0: Yep. No worries. I'll put it out on file, but that's still sort of pending. And\n\nChannel 1: Yes. Yeah.\n\nChannel 0: I'll have a quick look at the hub account at the moment. But you've got Joe listed for the beneficiaries, which I'm assuming you're not changing at this point.\n\nChannel 1: No. No. No. Yeah.\n\nChannel 0: Cool. So so far, I haven't had to do too much of an overhaul to get you there. It's basically two sports cars, change a tire here, switch some fuel across. What do you think so far?\n\nChannel 1: Yeah. No. No. It makes sense. If it's, yeah, if it's gonna it's gonna improve whatever the I mean, the the market's, yeah, a bit wishy washy this year.\n\nSo\n\nChannel 0: Yeah. And just as a quick recap too. So last year when I spoke to you, you'd had this huge, like, 18% growth, which was brilliant. And\n\nChannel 1: yep.\n\nChannel 0: we're still averaging at 9.48 after fees across the since you've become a client. But this year's it's dropped twice, once in March and once last month as well.\n\nChannel 1: Yep. Okay. And so I'm just trying to find I I haven't looked at the balance for probably a couple of months. Like, I have definitely looked at it recently, but not recent recent. So the $4.82 is on the on the that's the $4.82 is roughly all of it together based on what this is saying roughly.\n\nChannel 0: Pretty much. $4.82 would be the $10 across plus the balance when we did the research and then\n\nChannel 1: Yeah.\n\nChannel 0: leaving 12 in plum.\n\nChannel 1: Yep. The $4.82,\n\nChannel 0: But\n\nChannel 1: does that include the plumber? Or yeah. Or\n\nChannel 0: let\n\nChannel 1: is\n\nChannel 0: me\n\nChannel 1: that not in that table, it's hard to tell on the table on page 18. Does does the the $4.82 down the bottom, does that include the 12 at the top of the for the plum? Or is that just a subtotal for is that a total for the whole page or is it subtotal for for hub?\n\nChannel 0: Apologies. So the way we break these ones up, hub, you need a 100% allocation when you do the switches. It also doesn't include the cash on that next table, the 6,100.\n\nChannel 1: Okay. So there's $4.82 plus 12 plus 6. Is that loosely what you're saying?\n\nChannel 0: Yes.\n\nChannel 1: So that's 500 on\n\nChannel 0: Yeah. Pretty much.\n\nChannel 1: the\n\nChannel 0: Your again,\n\nChannel 1: on\n\nChannel 0: your balance is fluctuating about\n\nChannel 1: the\n\nChannel 0: $10 every week\n\nChannel 1: button.\n\nChannel 0: or so. So take\n\nChannel 1: Yes.\n\nChannel 0: that with a\n\nChannel 1: Yeah.\n\nChannel 0: grain of salt.\n\nChannel 1: Yeah. Yeah. Yeah. No. I did all.\n\nYeah. It it's yeah. It's up and down like a yo yo. So that's the market.\n\nChannel 0: Absolutely. Everything else there. So the document pack that I sent you, so that'll include an ongoing consent form for Hub twenty four. That's got the new tiered fee structure for Oakview on it. There's basically a split in how we've got to implement this.\n\nOnce you sign that online pack for the statement of advice and the the consent form, we will jump on to Hub and do all the trades on a Friday\n\nChannel 1: Yep.\n\nChannel 0: to switch everything around. But then you'll get that posted pack with the investment for switch for plum and the opt in for the insurances.\n\nChannel 1: Yep. Yep. So if I like, I'm looking at my emails now my sign because I got your speaker phone. No one's in the office. So\n\nChannel 0: Yep.\n\nChannel 1: if I if I go into this signature request one, this is just a so I just go into that sign document and just read through it and then sign it. And\n\nChannel 0: Yes.\n\nChannel 1: is\n\nChannel 0: Outside\n\nChannel 1: that\n\nChannel 0: of that, everything else\n\nChannel 1: is\n\nChannel 0: is attachments at the\n\nChannel 1: that\n\nChannel 0: bottom for all the product\n\nChannel 1: all\n\nChannel 0: documents. There's only\n\nChannel 1: you\n\nChannel 0: three documents\n\nChannel 1: need\n\nChannel 0: inside the digital\n\nChannel 1: from\n\nChannel 0: system. One's the\n\nChannel 1: me\n\nChannel 0: advice\n\nChannel 1: at\n\nChannel 0: document\n\nChannel 1: this\n\nChannel 0: itself with the authority\n\nChannel 1: point?\n\nChannel 0: to proceed, the appendix with the research, and the consent form. That's all we need from you until you get that back in the mail.\n\nChannel 1: Yeah. Yeah. Cool. And then all these attachments will just stay there because there's some an email. Right?\n\nSo I can read them it. We've got nothing to do.\n\nChannel 0: Yeah. You can go through all 491 pages of investment options for Hub or\n\nChannel 1: Not\n\nChannel 0: one\n\nChannel 1: gonna\n\nChannel 0: thousand\n\nChannel 1: happen.\n\nChannel 0: 300 of them.\n\nChannel 1: Let's be honest.\n\nChannel 0: Hey.\n\nChannel 1: No.\n\nChannel 0: You'd be\n\nChannel 1: That's\n\nChannel 0: surprised\n\nChannel 1: fine. So\n\nChannel 0: how many times I've done it.\n\nChannel 1: no. That's fine. So I've just gotta sign this. You guys will do your thing on Friday, and then I'll get in the next week or two, I'll get something in the mail. And\n\nChannel 0: It.\n\nChannel 1: I'll just sign that, send it away, and and everything's all good as back to back to not back to normal, but, yeah, moving forward.\n\nChannel 0: Yeah. That's pretty much it.\n\nChannel 1: Cool.\n\nChannel 0: We\n\nChannel 1: Sounds\n\nChannel 0: still\n\nChannel 1: good.\n\nChannel 0: got an ID on file until 2029, so I'll certify that with all the implementation. I'll update all of your details on file for, like, the home value, the shares, the savings, the income,\n\nChannel 1: Yep.\n\nChannel 0: and the way the contributions work, and then we should be good to go.\n\nChannel 1: Yeah. No. Sounds good. Do you do you something I hadn't sort of spoken about is should I at what point\n\nChannel 0: Awesome.\n\nChannel 1: the obvious answer is is thirty years ago. What point should I be trying to like, obviously, I'm I'm paying these school fees. But at\n\nChannel 0: Yeah.\n\nChannel 1: what point should should I be looking at trying to like, I've got bulk cash sitting in a bank account to pay for school fees, ultimately, anyway. So should should account to pay fiscal fees ultimately anyway.\n\nChannel 0: Yeah.\n\nChannel 1: So should should we be looking at putting a 100 or $200 a week extra into super or what what like, what obviously, the answer is yes because I mean, you put in it's gonna add up at the end. Right? But I'm just do I do I do that and just do that through our payroll with direct to you guys and split the super contributions? Or what what do you what or do I just increase the super contributions to Plumb and and let that happen that way?\n\nChannel 0: So three thoughts there. If they can split where they go, that's fantastic because, obviously, dollar cost averaging means it comes in regularly, gets invested regularly, and that's much better than just doing a one off investment every six to twelve months.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: If they can't do that, just do a diploma. We'll sweep it across.\n\nChannel 1: Yep.\n\nChannel 0: The idea of obviously, if you put the money in, more funds invested, compounding interest, 15% tax rate for\n\nChannel 1: Yeah.\n\nChannel 0: salary\n\nChannel 1: Yeah.\n\nChannel 0: sacrifice,\n\nChannel 1: Yeah.\n\nChannel 0: but locked away until 60 or above.\n\nChannel 1: Yeah. When when I a couple of years ago, like, five years ago, I worked at a different company and I was earning, like, $1.60, $1.70 then. And I had like, once we paid the house off, we start I was putting a thousand bucks a month into super because I just, like, I was, like, that's better than me trying to invest it because I, like, I don't have the time to work it out and the time and patience\n\nChannel 0: Yeah.\n\nChannel 1: to work it out. So I was doing that, but then once whilst the high school fees came and all those sorts of things, it became obviously a little bit more difficult to do. And also my salary dropped like $30 or $40 or something. So so yeah. I'm I'm aware I'm aware of the idea of doing it.\n\nIt's just working out, yeah, when when it becomes affordable, I guess, for us with our budget. So\n\nChannel 0: Yeah. And then\n\nChannel 1: but\n\nChannel 0: again,\n\nChannel 1: yeah.\n\nChannel 0: just how payroll handles it. If they're okay to split it or do it one way,\n\nChannel 1: Yeah.\n\nChannel 0: we'll adjust to whatever you need.\n\nChannel 1: Yeah.\n\nChannel 0: If you asked me twelve months ago, I would have said, hey. You can also consider investing personally because that way you can access it within the twelve years. But\n\nChannel 1: Yeah.\n\nChannel 0: after the CGT changes, losing that 50% discount's a bit rough compared to super. So\n\nChannel 1: Yes.\n\nChannel 0: if you want to\n\nChannel 1: Mhmm.\n\nChannel 0: invest for the next ten years, we can do that. If it's just for boosting up retirement quicker, then go for it.\n\nChannel 1: Yeah. That that being said, and I don't know what you can or can't say, we've I mentioned to you previously about shares that we had. And with the capital tax changes, is the capital tax capital gains So is the c g CGT effective have we got until June 30 to sell? Is that right?\n\nChannel 0: I'll\n\nChannel 1: Or\n\nChannel 0: double check\n\nChannel 1: or are\n\nChannel 0: the\n\nChannel 1: we\n\nChannel 0: dates for you, but because you've held the assets for so long, it should be pretty well prorated. It's not like one of those things where if you don't sell it, they just flip it across and you, you know, you're out\n\nChannel 1: Yeah.\n\nChannel 0: of it. They tend\n\nChannel 1: Yep.\n\nChannel 0: to grandfather a lot of it, especially with properties too.\n\nChannel 1: Yeah. Yeah. Nice. It's all share. Like, I've got, like, shares with NHC, which, to be honest, I got for a dollar 33, and they they travel around $6 a share now at 20,000 of them.\n\nAnd\n\nChannel 0: Yeah. Right.\n\nChannel 1: Yeah. My dividends, like I mean, I just got another $30.30 cents. I've had 40¢ for the year, so $8 in dividends for the year. I paid, like, what's the dollar 33 times 20, you know, like $28 or whatever, $27 for them, and I got $8 in in gives this year. Like, I just I just got lucky in terms of the share price and what it's like, it's it's a call share it's a call share, so it's going from, like I said, dollars 33 to 6\n\nChannel 0: Yeah.\n\nChannel 1: dollars.\n\nChannel 0: Chase.\n\nChannel 1: And and so there's a big CGT event happening there, but, obviously, 50% off. Yeah. I was just trying to work out what the 50% off was, whether that died in the arse come July 1 or whether it's I I believe it's pro rata. Like, as in, you know, like, I find it for that has ten years for argument's sake and and only one year it's been without the CGT benefit. So, yeah, there'd be a whole heap of working out of numbers, but I think yeah.\n\nI'm just tossing up whether to get rid of it or or just keep keep getting, like, you know, $8 a year in gears and do something. Like, that just it's just a it's it's a positive. Right? It's another $8. Like, that actually pays for my daughter's school fees\n\nChannel 0: Yeah.\n\nChannel 1: each year.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: keep it split in in two ideas. Right? So recently, you've gotta think of timing for CGT and and taxes and all that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: Currently, beautiful. Great capital growth. Great dividends. It's just a good asset. If you skip ahead ten years, will that company will that sector still be doing its thing?\n\nYou kind of don't really know. People have\n\nChannel 1: Yeah.\n\nChannel 0: ideas\n\nChannel 1: I I\n\nChannel 0: and inklings.\n\nChannel 1: wouldn't think so. You'd think Carl because of, you know, with him and everything else that's going on. Like, it's yeah. So\n\nChannel 0: So it's either idea of just sell it while it's a profit,\n\nChannel 1: Yeah.\n\nChannel 0: get it out over and done with just to simplify your finances a little bit so you're not having to constantly watch it every six to twelve months and say, oh, is it now the right time to do it? If you just go, look. I've I've gotten enough out of it. It's time. If you're\n\nChannel 1: Yes.\n\nChannel 0: still\n\nChannel 1: Yeah.\n\nChannel 0: getting something out of it with the dividends where you're like, I need the cash flow, then keep it. And if you can afford to wait, you know, fifteen years until your income's gone because you're retired, then you could possibly sell it then and pay less because you've got low low income.\n\nChannel 1: Yeah. Long time. Yeah. Yep. Yep.\n\nChannel 0: So\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: can't\n\nChannel 1: cool.\n\nChannel 0: give you\n\nChannel 1: I'll\n\nChannel 0: the answer, but some thoughts.\n\nChannel 1: yeah. Yeah. Yeah. No. Of course.\n\nYeah. I know. I wasn't yeah. It's it's there's a couple of different things going there. Because like I say, at the moment, it's covering most of my daughter's school fees, which is which is grand, because\n\nChannel 0: Yeah.\n\nChannel 1: I pay them up front each year rather than yeah. Because it's small discount, but it's $500 or something that that's better in my pocket. So\n\nChannel 0: Oh, yeah? Yeah.\n\nChannel 1: no.\n\nChannel 0: Cool.\n\nChannel 1: That sounds good. Alright. Well, I'll I'll get this signed. Once we hang up, I'll have a quick squid through it and and sign that, and you'll have it back tonight.\n\nChannel 0: Beautiful. Mate, if there's any other questions, you give us a buzz, especially when you get those forms. If there's anything amiss, just give us a buzz. In terms of catch ups, do you want me to just pencil in again just, like, a twelve month review while we do the six month sweeps if the balance is big enough, or do you want me to put in, like, quarterly catch ups? Is there a bit more to do for you?\n\nChannel 1: No. No. I'm good I'm good with the the annual. That's that's fine. Yeah.\n\nChannel 0: Cool. I'll be keeping an eye on things. Look. I'll I'll be honest with you. While the world goes up and down like a yo yo, I watch it every single day, but we're not gonna be jumping at every single news event that happens.\n\nSo\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: please expect that that you're about to crest 500,000. Wouldn't surprise me if you're sitting at four twelve and then 600 within the period of nine to twelve months.\n\nChannel 1: Yep.\n\nChannel 0: It's kinda part of the game at this point.\n\nChannel 1: Yeah. No. No. That all makes sense. That's that's the roller coaster of super and why you don't look at it every day.\n\nI mean, for me,\n\nChannel 0: Yeah.\n\nChannel 1: not you. That's what you do. But yeah. Like, it's yeah. I mean, it's the same, to be honest.\n\nThere's no different to shares. Like, they go off and down like a yo yo as well, but, yeah, it it is what it is.\n\nChannel 0: Yeah. It's just people you know, it's very comfortable when you're 18 years old. You've got your first $15 in super. It goes up and down. Who really cares?\n\nOnce you've got $500,000 sitting there fluctuating a $100 every six months, it becomes very real. But like\n\nChannel 1: Yes.\n\nChannel 0: I said, our plan is basically finish off growth for seven years, and then we'll time with you. If we overshoot the returns and get a huge amount of growth, we'll start to taper the risk off as you get closer to retirement anyways.\n\nChannel 1: Yeah. No. No. Sounds good.\n\nChannel 0: Awesome, mate. Thank you so much for your time, and I'll talk to you again soon. Thanks, Sal.","paragraphs":[{"sentences":[{"text":"Hold on, sweetie.","start":1.4399999,"end":2.5,"sentiment":"neutral","sentiment_score":0.13339637716611227}],"sentiment":"neutral","sentiment_score":0.13339637716611227,"channel":1,"num_words":3,"start":1.4399999,"end":2.5},{"sentences":[{"text":"Good day, Dale.","start":3.04,"end":3.6799998,"sentiment":"positive","sentiment_score":0.4958021541436513},{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":3.6799998,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2815264258533716},{"text":"How are you doing?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.2882644981145859}],"sentiment":"neutral","sentiment_score":0.3261783907810847,"channel":0,"num_words":15,"start":3.04,"end":6.58},{"sentences":[{"text":"Good.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5248275995254517},{"text":"Thanks, man.","start":7.2799997,"end":8.18,"sentiment":"positive","sentiment_score":0.5873574316501617}],"sentiment":"positive","sentiment_score":0.5665141542752584,"channel":1,"num_words":3,"start":6.96,"end":8.18},{"sentences":[{"text":"Mate, I've just got you booked in for that chat.","start":8.72,"end":10.88,"sentiment":"neutral","sentiment_score":0.31713992953300474},{"text":"Thank you so much for messaging me back.","start":10.88,"end":12.9,"sentiment":"positive","sentiment_score":0.6566199436783791},{"text":"I'm just gonna send you through an email with this plan attached.","start":13.905,"end":17.105,"sentiment":"neutral","sentiment_score":0.2361531766752402},{"text":"Will you be able to look onto it with me today, or should I walk you","start":17.105,"end":20.145,"sentiment":"neutral","sentiment_score":0.15543064707890153}],"sentiment":"neutral","sentiment_score":0.29880624604613887,"channel":0,"num_words":46,"start":8.72,"end":20.145},{"sentences":[{"text":"Yeah.","start":20.145,"end":20.645,"sentiment":"neutral","sentiment_score":0.060246553272008896}],"sentiment":"neutral","sentiment_score":0.060246553272008896,"channel":1,"num_words":1,"start":20.145,"end":20.645},{"sentences":[{"text":"through it?","start":20.145,"end":20.805,"sentiment":"neutral","sentiment_score":0.08793723583221436}],"sentiment":"neutral","sentiment_score":0.08793723583221436,"channel":0,"num_words":2,"start":20.145,"end":20.805},{"sentences":[{"text":"Yeah.","start":21.345001,"end":21.585,"sentiment":"neutral","sentiment_score":0.03136402368545532},{"text":"Yeah.","start":21.585,"end":21.985,"sentiment":"neutral","sentiment_score":0.028582660481333733},{"text":"I'll are you what email address do you have?","start":21.985,"end":24.945,"sentiment":"neutral","sentiment_score":0.011914673985706436},{"text":"I've got I'm sitting at work.","start":24.945,"end":26.325,"sentiment":"neutral","sentiment_score":-0.03589754862089952},{"text":"Can you copy","start":26.705,"end":27.345001,"sentiment":"neutral","sentiment_score":-0.02143614987532298}],"sentiment":"neutral","sentiment_score":-0.005625749565660953,"channel":1,"num_words":20,"start":21.345001,"end":27.345001},{"sentences":[{"text":"Yep.","start":27.025,"end":27.33,"sentiment":"neutral","sentiment_score":-0.014534490182995796}],"sentiment":"neutral","sentiment_score":-0.014534490182995796,"channel":0,"num_words":1,"start":27.025,"end":27.33},{"sentences":[{"text":"in my work email address so I can just open it straight up on the computer or","start":27.345001,"end":30.86,"sentiment":"neutral","sentiment_score":-0.013884704779176152}],"sentiment":"neutral","sentiment_score":-0.013884704779176152,"channel":1,"num_words":17,"start":27.345001,"end":30.86},{"sentences":[{"text":"I can send you the plan to the work address, but all the rest of the documents today is just","start":31.65,"end":36.53,"sentiment":"neutral","sentiment_score":-0.08616832615807653}],"sentiment":"neutral","sentiment_score":-0.08616832615807653,"channel":0,"num_words":20,"start":31.65,"end":36.53},{"sentences":[{"text":"not?","start":36.52,"end":37.02,"sentiment":"neutral","sentiment_score":-0.13935019075870514}],"sentiment":"neutral","sentiment_score":-0.13935019075870514,"channel":1,"num_words":1,"start":36.52,"end":37.02},{"sentences":[{"text":"gonna match what's on the the super account.","start":36.53,"end":38.61,"sentiment":"neutral","sentiment_score":-0.07673788629472256},{"text":"That's all.","start":38.61,"end":39.27,"sentiment":"neutral","sentiment_score":-0.0254535935819149}],"sentiment":"neutral","sentiment_score":-0.06648102775216103,"channel":0,"num_words":10,"start":36.53,"end":39.27},{"sentences":[{"text":"Yeah.","start":39.08,"end":39.4,"sentiment":"neutral","sentiment_score":0.015650201588869095},{"text":"Yeah.","start":39.4,"end":39.56,"sentiment":"neutral","sentiment_score":0.022091686725616455},{"text":"Yeah.","start":39.56,"end":39.8,"sentiment":"neutral","sentiment_score":0.030888140201568604},{"text":"Just send the plan because I'm sitting here with two monitors and I can obviously open what you're looking at.","start":39.8,"end":43.655,"sentiment":"neutral","sentiment_score":0.024579977430403233},{"text":"You know what I'm saying?","start":43.655,"end":44.215,"sentiment":"neutral","sentiment_score":0.003835107013583183}],"sentiment":"neutral","sentiment_score":0.020693039721144096,"channel":1,"num_words":28,"start":39.08,"end":44.215},{"sentences":[{"text":"Otherwise, you send it to me and I can just send it on to my work one and before we start looking at it sort of thing.","start":44.215,"end":48.935,"sentiment":"neutral","sentiment_score":0.01935287109679646},{"text":"I don't I don't mind.","start":48.935,"end":49.575,"sentiment":"neutral","sentiment_score":-0.01615217998623848},{"text":"Whatever is easiest.","start":49.575,"end":50.475,"sentiment":"neutral","sentiment_score":0.03541511048873266}],"sentiment":"neutral","sentiment_score":0.015657484318528855,"channel":1,"num_words":35,"start":44.215,"end":50.475},{"sentences":[{"text":"Yep.","start":51.345,"end":51.665,"sentiment":"neutral","sentiment_score":0.06943395733833313},{"text":"No worries.","start":51.665,"end":52.145,"sentiment":"neutral","sentiment_score":0.1153930239379406},{"text":"I'll I'll send to the work one.","start":52.145,"end":53.425003,"sentiment":"neutral","sentiment_score":0.08121293251003538},{"text":"Let me just go through a quick security check with you, and","start":53.425003,"end":56.22,"sentiment":"neutral","sentiment_score":0.07050750001023214}],"sentiment":"neutral","sentiment_score":0.07794547876851125,"channel":0,"num_words":22,"start":51.345,"end":56.22},{"sentences":[{"text":"Yeah.","start":55.920002,"end":56.08,"sentiment":"neutral","sentiment_score":0.06572382897138596},{"text":"Sure.","start":56.08,"end":56.58,"sentiment":"neutral","sentiment_score":0.09066134691238403}],"sentiment":"neutral","sentiment_score":0.078192587941885,"channel":1,"num_words":2,"start":55.920002,"end":56.58},{"sentences":[{"text":"then I can grab that extra email from you.","start":56.22,"end":58.64,"sentiment":"neutral","sentiment_score":0.07695647908581628},{"text":"So I just need your date of birth and address that we have on file.","start":58.78,"end":62.64,"sentiment":"neutral","sentiment_score":0.05388251046339671}],"sentiment":"neutral","sentiment_score":0.06253524869680405,"channel":0,"num_words":24,"start":56.22,"end":62.64},{"sentences":[{"text":"Twenty nine five seventy eight.","start":62.88,"end":64.82,"sentiment":"neutral","sentiment_score":0.010889038629829883},{"text":"Eight Sunnywell Place, seven one four one five three.","start":65.12,"end":67.62,"sentiment":"neutral","sentiment_score":0.01422867090958688}],"sentiment":"neutral","sentiment_score":0.013035945095387953,"channel":1,"num_words":14,"start":62.88,"end":67.62},{"sentences":[{"text":"Sensational.","start":67.98,"end":68.48,"sentiment":"neutral","sentiment_score":0.025554468855261803},{"text":"Registered with adviser 1273105.","start":68.995,"end":72.195,"sentiment":"neutral","sentiment_score":0.018834737595170736},{"text":"Are you okay for the call to be recorded?","start":72.195,"end":73.975,"sentiment":"neutral","sentiment_score":0.011243626268373596}],"sentiment":"neutral","sentiment_score":0.01443471826080765,"channel":0,"num_words":14,"start":67.98,"end":73.975},{"sentences":[{"text":"Yeah, mate.","start":74.295,"end":74.774994,"sentiment":"neutral","sentiment_score":0.08324682712554932},{"text":"That's fine.","start":74.774994,"end":75.515,"sentiment":"neutral","sentiment_score":0.20409314334392548}],"sentiment":"neutral","sentiment_score":0.1436699852347374,"channel":1,"num_words":4,"start":74.295,"end":75.515},{"sentences":[{"text":"Beautiful.","start":76.034996,"end":76.515,"sentiment":"positive","sentiment_score":0.404439240694046},{"text":"So I'll get this here.","start":76.515,"end":77.555,"sentiment":"neutral","sentiment_score":0.22392495572566987},{"text":"I've got statement of 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going?","start":92.729996,"end":95.805,"sentiment":"neutral","sentiment_score":0.15091125899925828}],"sentiment":"neutral","sentiment_score":0.1194457633903733,"channel":0,"num_words":27,"start":89.049995,"end":95.805},{"sentences":[{"text":"Yeah.","start":96.76,"end":97.26,"sentiment":"neutral","sentiment_score":0.126423642039299},{"text":"Good.","start":97.32,"end":97.82,"sentiment":"neutral","sentiment_score":0.26535898447036743},{"text":"Good.","start":97.88,"end":98.28,"sentiment":"neutral","sentiment_score":0.22775059938430783},{"text":"We I was at the G last weekend.","start":98.28,"end":100.745,"sentiment":"neutral","sentiment_score":0.10747795552015305},{"text":"So I went to the G and watched the lines 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last fantastic.","start":104.745,"end":106.105,"sentiment":"positive","sentiment_score":0.6675121386845907},{"text":"And then I had a concert with the wife as well in Melbourne.","start":106.105,"end":109.065,"sentiment":"neutral","sentiment_score":0.3294153935634173},{"text":"So we got back yesterday, actually.","start":109.065,"end":110.765,"sentiment":"neutral","sentiment_score":0.2652044842640559}],"sentiment":"positive","sentiment_score":0.3580074289982969,"channel":1,"num_words":22,"start":104.745,"end":110.765},{"sentences":[{"text":"Good stuff.","start":111.619995,"end":112.52,"sentiment":"positive","sentiment_score":0.644233375787735}],"sentiment":"positive","sentiment_score":0.644233375787735,"channel":0,"num_words":2,"start":111.619995,"end":112.52},{"sentences":[{"text":"So 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blank.","start":1036.58,"end":1039.08,"sentiment":"neutral","sentiment_score":-0.09949538484215736}],"sentiment":"neutral","sentiment_score":-0.009300888136581139,"channel":1,"num_words":27,"start":1030.625,"end":1039.08},{"sentences":[{"text":"Like, there's no pie chart on that page.","start":1039.22,"end":1040.8999,"sentiment":"neutral","sentiment_score":-0.06000040867365897},{"text":"The first pie chart I see is proposed asset allocation.","start":1040.8999,"end":1043.96,"sentiment":"neutral","sentiment_score":0.021016527712345124}],"sentiment":"neutral","sentiment_score":-0.014990999570323361,"channel":1,"num_words":18,"start":1039.22,"end":1043.96},{"sentences":[{"text":"Yes.","start":1044.515,"end":1044.755,"sentiment":"neutral","sentiment_score":0.07307285070419312},{"text":"That's the one.","start":1044.755,"end":1045.41,"sentiment":"neutral","sentiment_score":0.04784918203949928}],"sentiment":"neutral","sentiment_score":0.05415509920567274,"channel":0,"num_words":4,"start":1044.515,"end":1045.41},{"sentences":[{"text":"Oh, okay.","start":1046.5,"end":1047.0599,"sentiment":"neutral","sentiment_score":0.03617347963154316},{"text":"So then okay.","start":1047.0599,"end":1047.915,"sentiment":"neutral","sentiment_score":0.02666408382356167},{"text":"So and then where's the 97 or something that I was looking at?","start":1047.995,"end":1051.295,"sentiment":"neutral","sentiment_score":0.0036352128999379394}],"sentiment":"neutral","sentiment_score":0.011088721024053585,"channel":1,"num_words":18,"start":1046.5,"end":1051.295},{"sentences":[{"text":"Middle row of the table that's under the pie chart should say growth total, and it's kind of a","start":1051.65,"end":1055.89,"sentiment":"neutral","sentiment_score":0.003990689457982387}],"sentiment":"neutral","sentiment_score":0.003990689457982387,"channel":0,"num_words":19,"start":1051.65,"end":1055.89},{"sentences":[{"text":"Got","start":1055.755,"end":1055.835,"sentiment":"neutral","sentiment_score":-0.0035574380308389664}],"sentiment":"neutral","sentiment_score":-0.0035574380308389664,"channel":1,"num_words":1,"start":1055.755,"end":1055.835},{"sentences":[{"text":"gray","start":1055.89,"end":1056.2101,"sentiment":"neutral","sentiment_score":0.001979650929570198}],"sentiment":"neutral","sentiment_score":0.001979650929570198,"channel":0,"num_words":1,"start":1055.89,"end":1056.2101},{"sentences":[{"text":"yeah.","start":1055.915,"end":1056.3151,"sentiment":"neutral","sentiment_score":-0.0013407766819000244}],"sentiment":"neutral","sentiment_score":-0.0013407766819000244,"channel":1,"num_words":1,"start":1055.915,"end":1056.3151},{"sentences":[{"text":"bar.","start":1056.2101,"end":1056.7101,"sentiment":"neutral","sentiment_score":0.0015669288113713264}],"sentiment":"neutral","sentiment_score":0.0015669288113713264,"channel":0,"num_words":1,"start":1056.2101,"end":1056.7101},{"sentences":[{"text":"Got yeah.","start":1056.3151,"end":1056.875,"sentiment":"neutral","sentiment_score":0.011823249515146017},{"text":"97.65.","start":1056.875,"end":1058.0751,"sentiment":"neutral","sentiment_score":0.021786270663142204},{"text":"Yeah.","start":1058.0751,"end":1058.235,"sentiment":"neutral","sentiment_score":0.0489530935883522},{"text":"Got yeah.","start":1058.235,"end":1058.635,"sentiment":"neutral","sentiment_score":0.06319333985447884},{"text":"Sorry, mate.","start":1058.635,"end":1059.375,"sentiment":"neutral","sentiment_score":0.06321618147194386}],"sentiment":"neutral","sentiment_score":0.04340061324182898,"channel":1,"num_words":8,"start":1056.3151,"end":1059.375},{"sentences":[{"text":"Yep.","start":1059.5701,"end":1059.885,"sentiment":"neutral","sentiment_score":0.1772269904613495},{"text":"So we still keep it to the top end of high growth.","start":1059.965,"end":1062.705,"sentiment":"neutral","sentiment_score":0.2992695818344752},{"text":"The slight change in the MLC plum, that'll get you up a tiny bit.","start":1063.325,"end":1067.485,"sentiment":"neutral","sentiment_score":0.15438772525106156},{"text":"But, again, we're just keeping you pretty much fully invested at this point.","start":1067.485,"end":1070.9451,"sentiment":"positive","sentiment_score":0.3462354792998387}],"sentiment":"neutral","sentiment_score":0.2607737839221954,"channel":0,"num_words":40,"start":1059.5701,"end":1070.9451},{"sentences":[{"text":"Yes.","start":1070.5599,"end":1071.0599,"sentiment":"neutral","sentiment_score":0.29043298959732056},{"text":"Yeah.","start":1071.2,"end":1071.52,"sentiment":"neutral","sentiment_score":0.25599679350852966},{"text":"Yeah.","start":1071.52,"end":1071.76,"sentiment":"neutral","sentiment_score":0.24721185863018036},{"text":"Yep.","start":1071.76,"end":1072.16,"sentiment":"neutral","sentiment_score":0.23111450672149655},{"text":"Yep.","start":1072.16,"end":1072.66,"sentiment":"neutral","sentiment_score":0.21821551024913788}],"sentiment":"neutral","sentiment_score":0.248594331741333,"channel":1,"num_words":5,"start":1070.5599,"end":1072.66},{"sentences":[{"text":"Minimum cash balance is 1.25 for hub, that kind of thing.","start":1073.165,"end":1076.89,"sentiment":"neutral","sentiment_score":0.17894713174213062}],"sentiment":"neutral","sentiment_score":0.17894713174213062,"channel":0,"num_words":11,"start":1073.165,"end":1076.89},{"sentences":[{"text":"Yeah.","start":1077.2051,"end":1077.525,"sentiment":"neutral","sentiment_score":0.2360435277223587},{"text":"Yep.","start":1077.525,"end":1078.025,"sentiment":"neutral","sentiment_score":0.2639393210411072}],"sentiment":"neutral","sentiment_score":0.24999142438173294,"channel":1,"num_words":2,"start":1077.2051,"end":1078.025},{"sentences":[{"text":"And that's pretty much the plan.","start":1078.71,"end":1079.83,"sentiment":"positive","sentiment_score":0.343726525704066},{"text":"Everything after this is just, you know, keep your plumb super.","start":1079.83,"end":1082.15,"sentiment":"neutral","sentiment_score":0.2359681764448231},{"text":"Here's your updated figures for the life TPD, updated premiums, impact tables for that one, some reminders for, I don't know if you end up putting a a will in place.","start":1082.15,"end":1092.945,"sentiment":"neutral","sentiment_score":0.0278317081711946}],"sentiment":"neutral","sentiment_score":0.11501650100884338,"channel":0,"num_words":48,"start":1078.71,"end":1092.945},{"sentences":[{"text":"We we spoke about it, and then, I don't know, life gets 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some yeah.","start":1099.49,"end":1102.61,"sentiment":"neutral","sentiment_score":0.014731932830597674},{"text":"No.","start":1102.61,"end":1102.85,"sentiment":"neutral","sentiment_score":-0.11194981634616852},{"text":"I'll yeah.","start":1102.85,"end":1103.41,"sentiment":"neutral","sentiment_score":-0.07673044502735138},{"text":"We've we've got we got a legal wheel kit thing.","start":1103.41,"end":1106.37,"sentiment":"neutral","sentiment_score":-0.029314979538321496},{"text":"It's legal wheel kit.","start":1106.37,"end":1107.255,"sentiment":"neutral","sentiment_score":-0.0051109542400809005}],"sentiment":"neutral","sentiment_score":-0.01982836620542609,"channel":1,"num_words":24,"start":1099.49,"end":1107.255},{"sentences":[{"text":"It's something similar at home.","start":1107.255,"end":1108.875,"sentiment":"neutral","sentiment_score":-0.030939723923802377},{"text":"We just we just didn't do anything 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it's, yeah, if it's gonna it's gonna improve whatever the I mean, the the market's, yeah, a bit wishy washy this year.","start":1141.795,"end":1147.955,"sentiment":"neutral","sentiment_score":-0.2630288153886795}],"sentiment":"neutral","sentiment_score":-0.22742212037074155,"channel":1,"num_words":29,"start":1140.195,"end":1147.955},{"sentences":[{"text":"So","start":1147.955,"end":1148.455,"sentiment":"neutral","sentiment_score":-0.016542211174964905}],"sentiment":"neutral","sentiment_score":-0.016542211174964905,"channel":1,"num_words":1,"start":1147.955,"end":1148.455},{"sentences":[{"text":"Yeah.","start":1149.325,"end":1149.565,"sentiment":"neutral","sentiment_score":0.024501880630850792},{"text":"And just as a quick recap too.","start":1149.565,"end":1151.245,"sentiment":"neutral","sentiment_score":0.030395963894469396},{"text":"So last year when I spoke to you, you'd had this huge, like, 18% growth, which was brilliant.","start":1151.245,"end":1155.665,"sentiment":"neutral","sentiment_score":0.27399127764834297},{"text":"And","start":1156.125,"end":1156.605,"sentiment":"neutral","sentiment_score":0.02565140277147293}],"sentiment":"neutral","sentiment_score":0.1923988158642142,"channel":0,"num_words":27,"start":1149.325,"end":1156.605},{"sentences":[{"text":"yep.","start":1156.16,"end":1156.66,"sentiment":"neutral","sentiment_score":0.07201465219259262}],"sentiment":"neutral","sentiment_score":0.07201465219259262,"channel":1,"num_words":1,"start":1156.16,"end":1156.66},{"sentences":[{"text":"we're still averaging at 9.48 after fees across the since you've become a client.","start":1156.605,"end":1162.2201,"sentiment":"neutral","sentiment_score":-0.030528179635959014},{"text":"But this year's it's dropped twice, once in March and once last month as 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plum.","start":1192.5,"end":1194.0399,"sentiment":"neutral","sentiment_score":0.07640714291483164}],"sentiment":"neutral","sentiment_score":0.07640714291483164,"channel":0,"num_words":4,"start":1192.5,"end":1194.0399},{"sentences":[{"text":"Yep.","start":1194.53,"end":1195.03,"sentiment":"neutral","sentiment_score":0.1413361132144928},{"text":"The $4.82,","start":1195.225,"end":1196.0249,"sentiment":"neutral","sentiment_score":0.04811450093984604}],"sentiment":"neutral","sentiment_score":0.07918837169806163,"channel":1,"num_words":3,"start":1194.53,"end":1196.0249},{"sentences":[{"text":"But","start":1195.46,"end":1195.96,"sentiment":"neutral","sentiment_score":-0.025807207450270653}],"sentiment":"neutral","sentiment_score":-0.025807207450270653,"channel":0,"num_words":1,"start":1195.46,"end":1195.96},{"sentences":[{"text":"does that include the plumber?","start":1196.0249,"end":1197.245,"sentiment":"neutral","sentiment_score":-0.03499641865491867},{"text":"Or 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not in that table, it's hard to tell on the table on page 18.","start":1198.9049,"end":1202.6849,"sentiment":"neutral","sentiment_score":-0.1060228278239568},{"text":"Does does the the $4.82 down the bottom, does that include the 12 at the top of the for the plum?","start":1203.3849,"end":1208.85,"sentiment":"neutral","sentiment_score":-0.00505756297137677},{"text":"Or is that just a subtotal for is that a total for the whole page or is it subtotal for for hub?","start":1208.85,"end":1214.9501,"sentiment":"neutral","sentiment_score":-0.020613183013417503}],"sentiment":"neutral","sentiment_score":-0.03706967700092154,"channel":1,"num_words":58,"start":1198.9049,"end":1214.9501},{"sentences":[{"text":"Apologies.","start":1215.33,"end":1215.83,"sentiment":"neutral","sentiment_score":-0.20495334267616272},{"text":"So the way we break these ones up, hub, you need a 100% allocation when you do the switches.","start":1216.13,"end":1221.19,"sentiment":"neutral","sentiment_score":-0.012792089659916727},{"text":"It also doesn't include the cash on that next table, the 6,100.","start":1221.25,"end":1225.095,"sentiment":"neutral","sentiment_score":-0.07897124191125234}],"sentiment":"neutral","sentiment_score":-0.04361431091092527,"channel":0,"num_words":32,"start":1215.33,"end":1225.095},{"sentences":[{"text":"Okay.","start":1225.785,"end":1226.105,"sentiment":"neutral","sentiment_score":0.02823631465435028},{"text":"So there's $4.82 plus 12 plus 6.","start":1226.105,"end":1228.105,"sentiment":"neutral","sentiment_score":0.03702173248997757},{"text":"Is that loosely what you're 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an ID on file until 2029, so I'll certify that with all the implementation.","start":1365.8849,"end":1369.985,"sentiment":"neutral","sentiment_score":0.29965485135714215},{"text":"I'll update all of your details on file for, like, the home value, the shares, the savings, the income,","start":1370.6,"end":1378.2001,"sentiment":"neutral","sentiment_score":0.2269812657644874}],"sentiment":"neutral","sentiment_score":0.2590431417612469,"channel":0,"num_words":34,"start":1365.8849,"end":1378.2001},{"sentences":[{"text":"Yep.","start":1377.8099,"end":1378.3099,"sentiment":"positive","sentiment_score":0.36437150835990906}],"sentiment":"positive","sentiment_score":0.36437150835990906,"channel":1,"num_words":1,"start":1377.8099,"end":1378.3099},{"sentences":[{"text":"and the way the contributions work, and then we should be good to 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happens.","start":1780.3251,"end":1787.98,"sentiment":"neutral","sentiment_score":-0.012210108836491903}],"sentiment":"neutral","sentiment_score":0.03260987309945954,"channel":0,"num_words":45,"start":1774.885,"end":1787.98},{"sentences":[{"text":"So","start":1788.2799,"end":1788.7799,"sentiment":"neutral","sentiment_score":0.01335056871175766}],"sentiment":"neutral","sentiment_score":0.01335056871175766,"channel":0,"num_words":1,"start":1788.2799,"end":1788.7799},{"sentences":[{"text":"Yeah.","start":1788.28,"end":1788.52,"sentiment":"neutral","sentiment_score":0.029923085123300552},{"text":"Yeah.","start":1788.52,"end":1789.02,"sentiment":"neutral","sentiment_score":0.03776006773114205}],"sentiment":"neutral","sentiment_score":0.0338415764272213,"channel":1,"num_words":2,"start":1788.28,"end":1789.02},{"sentences":[{"text":"please expect that that you're about to crest 500,000.","start":1789.24,"end":1792.22,"sentiment":"neutral","sentiment_score":0.03283292841580179},{"text":"Wouldn't surprise me if you're sitting at four twelve and then 600 within the period of nine to twelve months.","start":1792.5199,"end":1797.435,"sentiment":"neutral","sentiment_score":0.0013190474826842546}],"sentiment":"neutral","sentiment_score":0.01109921742744487,"channel":0,"num_words":29,"start":1789.24,"end":1797.435},{"sentences":[{"text":"Yep.","start":1797.825,"end":1798.325,"sentiment":"neutral","sentiment_score":0.07351234555244446}],"sentiment":"neutral","sentiment_score":0.07351234555244446,"channel":1,"num_words":1,"start":1797.825,"end":1798.325},{"sentences":[{"text":"It's kinda part of the game at this point.","start":1798.635,"end":1800.7351,"sentiment":"neutral","sentiment_score":0.07718499542938338}],"sentiment":"neutral","sentiment_score":0.07718499542938338,"channel":0,"num_words":9,"start":1798.635,"end":1800.7351},{"sentences":[{"text":"Yeah.","start":1801.0249,"end":1801.505,"sentiment":"neutral","sentiment_score":-0.051042359322309494},{"text":"No.","start":1801.505,"end":1801.6649,"sentiment":"neutral","sentiment_score":-0.2393675446510315},{"text":"No.","start":1801.6649,"end":1801.9049,"sentiment":"neutral","sentiment_score":-0.2722349166870117},{"text":"That all makes sense.","start":1801.9049,"end":1803.0449,"sentiment":"neutral","sentiment_score":-0.22423861548304558},{"text":"That's that's the roller coaster of super and why you don't look at it every day.","start":1803.105,"end":1807.6599,"sentiment":"negative","sentiment_score":-0.3637912683188915}],"sentiment":"neutral","sentiment_score":-0.3165330250302087,"channel":1,"num_words":23,"start":1801.0249,"end":1807.6599},{"sentences":[{"text":"I mean, for me,","start":1807.6599,"end":1808.5399,"sentiment":"neutral","sentiment_score":-0.13845768757164478}],"sentiment":"neutral","sentiment_score":-0.13845768757164478,"channel":1,"num_words":4,"start":1807.6599,"end":1808.5399},{"sentences":[{"text":"Yeah.","start":1808.3151,"end":1808.8151,"sentiment":"neutral","sentiment_score":-0.12244553864002228}],"sentiment":"neutral","sentiment_score":-0.12244553864002228,"channel":0,"num_words":1,"start":1808.3151,"end":1808.8151},{"sentences":[{"text":"not you.","start":1808.5399,"end":1809.2799,"sentiment":"neutral","sentiment_score":-0.16272006556391716},{"text":"That's what you do.","start":1809.34,"end":1810.22,"sentiment":"neutral","sentiment_score":0.2545262463390827},{"text":"But yeah.","start":1810.22,"end":1810.86,"sentiment":"neutral","sentiment_score":0.07944557815790176},{"text":"Like, it's yeah.","start":1810.86,"end":1811.58,"sentiment":"neutral","sentiment_score":0.06469325100382169},{"text":"I mean, it's the same, to be honest.","start":1811.58,"end":1812.7799,"sentiment":"neutral","sentiment_score":0.054030411411076784}],"sentiment":"neutral","sentiment_score":0.07778310814970418,"channel":1,"num_words":19,"start":1808.5399,"end":1812.7799},{"sentences":[{"text":"There's no different to shares.","start":1812.7799,"end":1813.9,"sentiment":"neutral","sentiment_score":0.0132646344602108},{"text":"Like, they go off and down like a yo yo as well, but, yeah, it it is what it is.","start":1813.9,"end":1818.72,"sentiment":"neutral","sentiment_score":0.04596730740740895}],"sentiment":"neutral","sentiment_score":0.03942677281796932,"channel":1,"num_words":25,"start":1812.7799,"end":1818.72},{"sentences":[{"text":"Yeah.","start":1818.6101,"end":1818.8501,"sentiment":"neutral","sentiment_score":0.1737276315689087},{"text":"It's just people you know, it's very comfortable when you're 18 years old.","start":1818.8501,"end":1822.05,"sentiment":"neutral","sentiment_score":0.21038099435659555},{"text":"You've got your first $15 in super.","start":1822.05,"end":1823.7301,"sentiment":"neutral","sentiment_score":0.1910182067326137},{"text":"It goes up and down.","start":1823.7301,"end":1824.53,"sentiment":"neutral","sentiment_score":-0.00809469148516655},{"text":"Who really cares?","start":1824.53,"end":1825.305,"sentiment":"neutral","sentiment_score":-0.09709690635402997}],"sentiment":"neutral","sentiment_score":0.1349670285808629,"channel":0,"num_words":29,"start":1818.6101,"end":1825.305},{"sentences":[{"text":"Once you've got $500,000 sitting there fluctuating a $100 every six months, it becomes very real.","start":1825.385,"end":1831.0651,"sentiment":"neutral","sentiment_score":0.04045269871130586},{"text":"But like","start":1831.0651,"end":1831.4651,"sentiment":"neutral","sentiment_score":0.06339174136519432}],"sentiment":"neutral","sentiment_score":0.043001481228404574,"channel":0,"num_words":18,"start":1825.385,"end":1831.4651},{"sentences":[{"text":"Yes.","start":1831.355,"end":1831.855,"sentiment":"neutral","sentiment_score":0.13788622617721558}],"sentiment":"neutral","sentiment_score":0.13788622617721558,"channel":1,"num_words":1,"start":1831.355,"end":1831.855},{"sentences":[{"text":"I said, our plan is basically finish off growth for seven years, and then we'll time with you.","start":1831.4651,"end":1836.3451,"sentiment":"neutral","sentiment_score":0.11387443335519896},{"text":"If we overshoot the returns and get a huge amount of growth, we'll start to taper the risk off as you get closer to retirement anyways.","start":1836.3451,"end":1842.93,"sentiment":"neutral","sentiment_score":0.007504155572790366}],"sentiment":"neutral","sentiment_score":0.05101926921104843,"channel":0,"num_words":44,"start":1831.4651,"end":1842.93},{"sentences":[{"text":"Yeah.","start":1843.3301,"end":1843.81,"sentiment":"neutral","sentiment_score":0.06264930218458176},{"text":"No.","start":1843.81,"end":1843.9701,"sentiment":"neutral","sentiment_score":-0.08761292695999146},{"text":"No.","start":1843.9701,"end":1844.29,"sentiment":"neutral","sentiment_score":-0.05089614540338516},{"text":"Sounds good.","start":1844.29,"end":1845.11,"sentiment":"positive","sentiment_score":0.5960765182971954}],"sentiment":"neutral","sentiment_score":0.2232586532831192,"channel":1,"num_words":5,"start":1843.3301,"end":1845.11},{"sentences":[{"text":"Awesome, mate.","start":1845.63,"end":1846.27,"sentiment":"positive","sentiment_score":0.7802975177764893},{"text":"Thank you so much for your time, and I'll talk to you again soon.","start":1846.27,"end":1849.89,"sentiment":"positive","sentiment_score":0.7572893074580601},{"text":"Thanks, Sal.","start":1851.71,"end":1852.61,"sentiment":"neutral","sentiment_score":0.31784070655703545}],"sentiment":"positive","sentiment_score":0.7110181529488828,"channel":0,"num_words":18,"start":1845.63,"end":1852.61}]},"summary":{"result":"success","short":"During a chat, a senior adviser from Oakview named Tommy sends an email to Dale about a plan to fill out a statement of advice and financial services guide, and discusses the details of the loan and insurance for Dale's super account. The speakers review the portfolios and income and liabilities of Dale's home, provide guidance on maintaining insurance and savings, and discuss fee reductions and investment fees within the insurance company. They also discuss the process for filling out a digital signature program and prefilling a box, and provide guidance on risk reduction and investment strategies for each portfolio. The speakers emphasize the importance of working out and paying for school fees to avoid inflation, timing for Brexit, and maintaining a plan intact."},"intents":{"segments":[{"text":"I'm just gonna send you through an email with this plan attached. Will you be able to look onto it with me today, or should I walk you through Yeah.","start_word":39,"end_word":68,"intents":[{"intent":"Send plan","confidence_score":0.17860742}]},{"text":"I'm just gonna send you through an email with this plan attached. Will you be able to look onto it with me today, or should I walk you through Yeah. it?","start_word":39,"end_word":69,"intents":[{"intent":"Check plan","confidence_score":0.077618055}]},{"text":"I'll I'll send to the work one. Let me just go through a quick security check with you, and Yeah.","start_word":205,"end_word":224,"intents":[{"intent":"Provide security check","confidence_score":0.020355714}]},{"text":"Are you okay for the call to be recorded? Yeah, mate.","start_word":269,"end_word":279,"intents":[{"intent":"Confirm order for call recording","confidence_score":0.000009294374}]},{"text":"I'm ready for that email address So It's when just you are. it's just dale at Mhmm.","start_word":410,"end_word":426,"intents":[{"intent":"Update email","confidence_score":0.13183568}]},{"text":"While that's going through, I'm gonna send the main pack off to the Gmail just so it's there as well. Yeah.","start_word":528,"end_word":548,"intents":[{"intent":"Send main pack to gmail","confidence_score":0.04947411}]},{"text":"What'll go along with it is just like financial services guide updated from us with all our new structures and all the product documents, do? Yes.","start_word":575,"end_word":600,"intents":[{"intent":"Obtain new structures and documents","confidence_score":0.001031064}]},{"text":"If you can have a Yep. little scroll through this one for Yep. Statement of advice would be paid for twenty first. Tell me.","start_word":641,"end_word":664,"intents":[{"intent":"Scroll through statements of advice","confidence_score":0.01292212}]},{"text":"to keep it as fresh as possible for you. Yeah.","start_word":687,"end_word":696,"intents":[{"intent":"Keep it fresh","confidence_score":0.030403895},{"intent":"Keep it fresh","confidence_score":0.0015424826}]},{"text":"So So what we're doing here is I'm reviewing both the portfolios for both super funds just given what's happened Yes.","start_word":731,"end_word":751,"intents":[{"intent":"Review portfolios","confidence_score":0.03439924}]},{"text":"the portfolios within Plum and Hub.","start_word":1700,"end_word":1705,"intents":[{"intent":"Update portfolios","confidence_score":0.76990443}]},{"text":"So it basically says that even if your account temporarily dips below $6,000 that you don't want them to touch or cancel the insurance until it goes to zero to give you a bigger buffer. Yeah. Cool.","start_word":1757,"end_word":1793,"intents":[{"intent":"Provide information","confidence_score":0.016493779}]},{"text":"When it comes to just slightly differently than I normally do SOAs here, page twelve and thirteen, there's advantages and disadvantages tables here.","start_word":1887,"end_word":1909,"intents":[{"intent":"Discuss benefits and disadvantages of investing","confidence_score":0.0004409827}]},{"text":"With Plum, if we update the portfolio the way I'm wanting to, it makes it slightly more aggressive in line with the high growth. It's a little bit more expensive, but the portfolio switch within hub is less expensive. So they kind of even each other out overall. Sorry.","start_word":2022,"end_word":2070,"intents":[{"intent":"Discuss portfolio switch changes and options","confidence_score":0.000108561464}]},{"text":"Changing plumbing or So I'm doing a slight update to both, which I'll show changing you on the next one. hub?","start_word":2077,"end_word":2097,"intents":[{"intent":"Update plumbing","confidence_score":0.36367303}]},{"text":"a an idea on the fee impact, there'll Yep. be a reduction of investment fees within Hub, an increase in investment fees with Plum, and it kind of evens out to be about the same. Yeah.","start_word":2102,"end_word":2137,"intents":[{"intent":"Reduce investment fees","confidence_score":0.07962226}]},{"text":"We've got a new tiered fee structure for Oakview for adviser service fees. So everyone above 200,000 starts to get discounts, and there's another discount after 500,000, which you're getting pretty close to. So that's the fee savings there. Okay.","start_word":2155,"end_word":2194,"intents":[{"intent":"Get discounts","confidence_score":0.008817958}]},{"text":"But if you go to the next page, I've got a full breakdown for you just so you can see what's going on. So in five years, $7.70 recommend. Yeah.","start_word":2263,"end_word":2292,"intents":[{"intent":"Recommend dipping","confidence_score":0.0009481033},{"intent":"Provide full breakdown","confidence_score":0.033157796},{"intent":"Recommend investing","confidence_score":0.006777156}]},{"text":"Essentially, two market cycles. We're gonna use the volatility at the moment as a bit of a buying opportunity. Yep.","start_word":2390,"end_word":2409,"intents":[{"intent":"Discuss market cycles","confidence_score":0.07033597}]},{"text":"And is that changing the the investment strategy of whatever it is, the the package, I guess, or whatever you wanna call it?","start_word":2414,"end_word":2436,"intents":[{"intent":"Changing investment strategy","confidence_score":0.09106601}]},{"text":"And is that changing the the investment strategy of whatever it is, the the package, I guess, or whatever you wanna call it? Is that is that what you're saying? Has been changing how it's how what shares it is that's in the in the portfolio?","start_word":2414,"end_word":2459,"intents":[{"intent":"Review investment trends","confidence_score":0.0000068096733}]},{"text":"The benchmark Whereabouts we're aiming are for you? is Sorry.","start_word":2484,"end_word":2493,"intents":[{"intent":"Review benchmarks","confidence_score":0.0051249894}]},{"text":"The investments themselves on the next page, I have done and, oh, I apologize for rainbowing this one, but easiest way to understand it. Plumb Super, I'm recommending you go from their growth option to their MLC high growth. Yep.","start_word":2594,"end_word":2633,"intents":[{"intent":"Recommended high growth investments","confidence_score":3.0656334e-8}]},{"text":"Plumb Super, I'm recommending you go from their growth option to their MLC high growth.","start_word":2618,"end_word":2632,"intents":[{"intent":"Recommend plum super recommendation","confidence_score":0.0060351654}]},{"text":"Plumb Super, I'm recommending you go from their growth option to their MLC high growth. Yep.","start_word":2618,"end_word":2633,"intents":[{"intent":"Recommend growth options","confidence_score":0.030244794}]},{"text":"I'm rebalancing most of them, selling off the Benelong option, which has been underperforming. I flagged it with you last year because it only grew a couple of percent, but it's actually Yep.","start_word":2732,"end_word":2764,"intents":[{"intent":"Rebalancing portfolios","confidence_score":0.02342263},{"intent":"Rebalancing portfolios","confidence_score":0.21009178}]},{"text":"The only one to watch is just the Australian property option. With the CGT negative gearing changes, it got hit a little bit. I'm gonna keep an eye on that one and see if we need to switch that out next year as well. Yeah.","start_word":2881,"end_word":2925,"intents":[{"intent":"Update portfolio growth","confidence_score":0.000018227884}]},{"text":"Here's your updated figures for the life TPD, updated premiums, impact tables for that one, some reminders for, I don't know if you end up putting a a will in place.","start_word":3440,"end_word":3470,"intents":[{"intent":"Update figures","confidence_score":0.53136814},{"intent":"Put will in place","confidence_score":0.016032116}]},{"text":"I'll I'll print I'll print some yeah.","start_word":3486,"end_word":3492,"intents":[{"intent":"Print document","confidence_score":0.00096933707}]},{"text":"I'll have a quick look at the hub account at the moment. But you've got Joe listed for the beneficiaries, which I'm assuming you're not changing at this point. No. No.","start_word":3549,"end_word":3579,"intents":[{"intent":"Review hub account","confidence_score":0.22679953}]},{"text":"What do you think so far? Yeah.","start_word":3613,"end_word":3619,"intents":[{"intent":"Clarify a lot","confidence_score":0.0000717438}]},{"text":"If it's, yeah, if it's gonna it's gonna improve whatever the I mean, the the market's, yeah, a bit wishy washy this year. So Yeah.","start_word":3625,"end_word":3649,"intents":[{"intent":"Resolve a market price","confidence_score":8.477952e-9}]},{"text":"we're still averaging at 9.48 after fees across the since you've become a client. But this year's it's dropped twice, once in March and once last month as well. Yep.","start_word":3677,"end_word":3706,"intents":[{"intent":"Identify costs","confidence_score":0.000035565812}]},{"text":"And so I'm just trying to find I I haven't looked at the balance for probably a couple of months. Like, I have definitely looked at it recently, but not recent recent. So the $4.82 is on the on the that's the $4.82 is roughly all of it together based on what this is saying roughly. Pretty much.","start_word":3708,"end_word":3765,"intents":[{"intent":"Review balance","confidence_score":0.117835835}]},{"text":"82 would be the $10 across plus the balance when we did the research and then Yeah.","start_word":3768,"end_word":3784,"intents":[{"intent":"Verify pricing for switches","confidence_score":0.000107172185}]},{"text":"There's only you three documents need inside the digital from system. One's the me advice at document this itself with the authority point? to proceed, the appendix with the research, and the consent form. That's all we need from you until you get that back in the mail. Yeah.","start_word":4145,"end_word":4193,"intents":[{"intent":"Validate documents","confidence_score":0.0021881359}]},{"text":"The idea of obviously, if you put the money in, more funds invested, compounding interest, 15% tax rate for salary Yeah.","start_word":4614,"end_word":4634,"intents":[{"intent":"Consider spending extra funds","confidence_score":0.0000023342186}]},{"text":"we'll adjust to whatever you need. Yeah.","start_word":4827,"end_word":4833,"intents":[{"intent":"Adjust payroll","confidence_score":0.015967673}]},{"text":"You can also consider investing personally because that way you can access it within the twelve years. But Yeah.","start_word":4847,"end_word":4865,"intents":[{"intent":"Share investment plans","confidence_score":0.000099585355}]},{"text":"I was just trying to work out what the 50% off was, whether that died in the arse come July 1 or whether it's I I believe it's pro rata.","start_word":5177,"end_word":5206,"intents":[{"intent":"Work out 50% off","confidence_score":0.82481563}]},{"text":"It's another $8. Like, that actually pays for my daughter's school fees Yeah. each year.","start_word":5288,"end_word":5302,"intents":[{"intent":"Split costs","confidence_score":0.0008075923}]},{"text":"So recently, you've gotta think of timing for CGT and and taxes and all that kind of thing. Yep.","start_word":5313,"end_word":5331,"intents":[{"intent":"Consider timing for cgt and taxes","confidence_score":0.036148757}]},{"text":"get it out over and done with just to simplify your finances a little bit so you're not having to constantly watch it every six to twelve months and say, oh, is it now the right time to do it? If you just go, look.","start_word":5410,"end_word":5454,"intents":[{"intent":"Simplify finances","confidence_score":0.124934405}]}]},"sentiments":{"segments":[{"text":"Hold on, sweetie.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.14381259679794312},{"text":"Good day, Dale.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4874035716056824},{"text":"It's Tommy here, senior adviser from Oakview, mate. How are you doing?","start_word":6,"end_word":17,"sentiment":"neutral","sentiment_score":0.29414305090904236},{"text":"Good. Thanks, man.","start_word":18,"end_word":20,"sentiment":"positive","sentiment_score":0.5665141344070435},{"text":"Mate, I've just got you booked in for that chat.","start_word":21,"end_word":30,"sentiment":"neutral","sentiment_score":0.31541579961776733},{"text":"Thank you so much for messaging me back.","start_word":31,"end_word":38,"sentiment":"positive","sentiment_score":0.655645489692688},{"text":"I'm just gonna send you through an email with this plan attached. Will you be able to look onto it with me today, or should I walk you through Yeah. it? Yeah. Yeah. I'll are you what email address do you have? I've got I'm sitting at work. Can you Yep. copy in my work email address so I can just open it straight up on the computer or I can send you the plan to the work address, but all the rest of the documents today is just not? gonna match what's on the the super account. That's all. Yeah. Yeah. Yeah. Just send the plan because I'm sitting here with two monitors and I can obviously open what you're looking at. You know what I'm saying? Otherwise, you send it to me and I can just send it on to my work one and before we start looking at it sort of thing. I don't I don't mind. Whatever is easiest. Yep. No worries. I'll I'll send to the work one. Let me just go through a quick security check with you, and Yeah. Sure. then I can grab that extra email from you. So I just need your date of birth and address that we have on file. Twenty nine five seventy eight. Eight Sunnywell Place, seven one four one five three. Sensational. Registered with adviser 1273105. Are you okay for the call to be recorded? Yeah, mate. That's fine.","start_word":39,"end_word":281,"sentiment":"neutral","sentiment_score":0.03432615473866463},{"text":"Beautiful.","start_word":282,"end_word":282,"sentiment":"positive","sentiment_score":0.404439240694046},{"text":"So I'll get this here. I've got statement of advice. Thank you. Financial. Just gonna grab a few attachments. There's a few extra documents there that I'm just gonna leave off for the main pack, and it'll just be that Yep. main one on this. Just bear with me for a moment. And just while I'm doing that, mate, how are you and Joe and the kids going? Yeah. Good. Good. We I was at the G last weekend. So I went to the G and watched the lines win.","start_word":283,"end_word":372,"sentiment":"neutral","sentiment_score":0.1213453620672226},{"text":"So Oh, that's yeah? the last fantastic.","start_word":373,"end_word":379,"sentiment":"positive","sentiment_score":0.4875282049179077},{"text":"And then I had a concert with the wife as well in Melbourne. So we got back yesterday, actually.","start_word":380,"end_word":398,"sentiment":"neutral","sentiment_score":0.3121125102043152},{"text":"Good stuff.","start_word":399,"end_word":400,"sentiment":"positive","sentiment_score":0.6403588056564331},{"text":"So yeah. No.","start_word":401,"end_word":403,"sentiment":"neutral","sentiment_score":0.2381701022386551},{"text":"All good. All good.","start_word":404,"end_word":407,"sentiment":"positive","sentiment_score":0.35329025983810425},{"text":"Alright, mate. I'm ready for that email address So It's when just you are. it's just dale at Mhmm. and then ben, c b e n for Ben, the name Benjamin, b e n Mhmm. c e e, B e n c, double e, yep, dot com dot a u. dot com dot a u. Just for compliance purposes, I'll put in your Gmail just to cc into Yeah. that. Sure. Yeah.","start_word":408,"end_word":479,"sentiment":"neutral","sentiment_score":0.04087213799357414},{"text":"That's cool.","start_word":480,"end_word":481,"sentiment":"positive","sentiment_score":0.5257315039634705},{"text":"It's just And yeah. Yeah. I mean, obviously, look at the monitors then. yeah. Absolutely. I'm running five at the moment just for a bit of fun. Yeah. I'm only at three. Look. It's probably more distracting than anything, to be honest, but it helps sometimes. While that's going through, I'm gonna send the main pack off to the Gmail just so it's there as well. Yeah. I don't need to be looking at that during the call. I just is this a no other Dropbox signature stuff that I gotta Yeah. Correct. What'll go along with it is just like financial services guide updated from us with all our new structures and all the product documents, do? Yes. attachments, That's come extra through research. now, I think, where our Beautiful. discussion is requested. Oh, yeah. That's come through to my wife one as well. Yeah. Called off that. Yep. So that's the one we need to open up. If you can have a Yep. little scroll through this one for Yep. Statement of advice would be paid for twenty first. Tell me. Yeah. So I've just updated me. it for yesterday because our SOAs have expiry dates on them. So I just wanted Yeah. to keep it as fresh as possible for you. Yeah.","start_word":482,"end_word":696,"sentiment":"neutral","sentiment_score":0.039257921278476715},{"text":"That's cool.","start_word":697,"end_word":698,"sentiment":"positive","sentiment_score":0.6937474608421326},{"text":"So it is documented best interest duty. All standard. I just need to go down to scope of advice heading for a quick Yep. sec on page three and four. Yep. Yep. So So what we're doing here is I'm reviewing both the portfolios for both super funds just given what's happened Yes. this year with the markets. We've had, obviously, there are more kicked off few other things. Yes. I wanna make Yes. changes to both of them. You had requested for us to do six monthly rollovers from the department, just maintain the insurances in there if that rings a bell? Yes. Yes. Yep.","start_word":699,"end_word":804,"sentiment":"neutral","sentiment_score":0.04687446355819702},{"text":"Cool.","start_word":805,"end_word":805,"sentiment":"positive","sentiment_score":0.3528267741203308},{"text":"I've got that in this document as well for the plan just so you don't have to constantly sign documents all the time. But just Yep. for the recent nine months, it took a little while to get up to the balance I wanted it to be, so I haven't touched it just yet. Yeah. That's cool. For some, baby. Sorry. For for the the plumbing you're talking about? Correct. Yeah. It's Yes. usually, I wanna wait till there's about about $10 sweep to do. It's Yeah. just Again. gotten there sitting at 22 at the moment. Yep. Yep. No. That's cool. Insurance wise, so obviously, due to health, we're keeping the insurances intact as best we can for one. I wanna make sure that we keep Yes. 12 in there because 10 is kind of just it's cutting it a bit short. Market crashes, there's a risk of losing the insurance, and I don't want you to lose those Yep. No. Yeah. because we can't get them back Yep. If you go What's past the there minimum what's the minimum what's the minimum we gotta leave in there? Is it just more about servicing the loan or is it oh, sorry. so Servicing the fees or is it or is there a minimum that I need to maintain? so 6 is the minimum. If it drops below 6, you get hit. We Yep. keep 12 in there for two years premiums and a 20% buffer, essentially. Yeah. Yeah.","start_word":806,"end_word":1054,"sentiment":"neutral","sentiment_score":-0.027412595227360725},{"text":"Cool.","start_word":1055,"end_word":1055,"sentiment":"positive","sentiment_score":0.3930256962776184},{"text":"Yeah. Yeah.","start_word":1056,"end_word":1057,"sentiment":"neutral","sentiment_score":0.3028234839439392},{"text":"Cool. Cool. Cool.","start_word":1058,"end_word":1060,"sentiment":"positive","sentiment_score":0.46017178893089294},{"text":"No. That's Outside all good. of that, beneficiary nominations, we'll just make sure all that's good. Budgeting, investments, we're not giving any advice on, like, shares, cash flow, debt management at this point. This is just purely for the super. Yes. Cool. If you swing past there now I believe this will be a bit out of date because it has been a little while, but the about you section on pages seven and eight, it's got your income listed at $1.50. I believe you probably had a bit of a tick up since financial year. Yeah. $1.61, I think, or 01/6700. Yep. Alright. I'll It's called add one them. 61. Yeah. $1.61.","start_word":1061,"end_word":1173,"sentiment":"neutral","sentiment_score":-0.017505668103694916},{"text":"Easy done.","start_word":1174,"end_word":1175,"sentiment":"positive","sentiment_score":0.33747026324272156},{"text":"Won't make too much of a difference. This is for the contributions for projections. Yeah. Yeah. Outside of the assets and liabilities, Actually obviously actually yep. sorry. Sorry. Sorry. Back up a sec. Sorry. With that, the actual contributions are based on $1.40 because $20 a car allowance, and I think that's the owner deliberately Mhmm. not giving me super on the extra 20. So I thought so it was a Tableau. yeah. So it's actually one forty plus 20. Yeah. Round numbers. It might be $14,300 or something. But yeah. So it's only Okay. it's only $1.40 plus 20 plus 20 allowance. So for your purposes, I won't be getting super on the extra 20. You know what I'm saying? Yes. And this projection's based on SGC on one fifty, so it's just a tad over disclosing at this Yeah. Yeah. point. But I'll put that on file just so for future plans, I'll base it on $1.40 until you say otherwise. Yeah. Cool. Cool. Cool. The home, I believe, quick online valuation. I think your home value went up, like, 1.5, 1.6 or something. The loan, I believe there's any liabilities or anything. Just the shares, the car, the savings, the home, probably a little bit out of date, those figures, on the Yeah. next one. The yeah. The house is probably more like 1.5. The shares are more like $1.45. The car is yeah. Leave it at that because we've we've got we've Joe's got a salary tax plus car that she's got, Uh-huh. but we've only got one car Gotcha. now. Well, we've got two cars, but we've only got one that that is debt free. The other one is a salary sacrifice that she's paying for, not me. Yeah. So yeah. And then, yeah, the rest of that's fine, give or take. I think the the savings are probably closer to a 100 between us, but, yeah, we have school fees done of $40 a year next year. So Yeah. And yeah.","start_word":1176,"end_word":1512,"sentiment":"neutral","sentiment_score":0.003659515640247911},{"text":"that was a big thing for you.","start_word":1513,"end_word":1519,"sentiment":"positive","sentiment_score":0.4940389990806579},{"text":"I think I've put in the goals if you get down a couple of pages past the risk profile section. I've put in there that we're gonna maintain the school fees for, like, four, five years. And Yeah. then Yeah. once that's clear, we can make some adjustments to insurances, cash flow Yeah. strategies, The insurance and best. can go once the kids finish school, which he's he's going into grade five next year. But, you know, when he's in, like, grade eleven and twelve, like, at that point, it could go because we'll have enough. You know what I mean? Like, that last couple of years, I can go once I'm down to one kid. But at the moment, I'm still three kids at Predependent. at Yeah. okay. Yep. No. That's totally fair. If you swing down to look. I apologize for the the text heavy on this one, but page 11, strategy recommendations. Yep. Yep. So exactly what we just said, we'll do the sweep across plus every six months if it's a viable balance, Yep. update Cool. the portfolios within Plum and Hub. And I have recommended, if possible, just to do an opt in form for Plum because I was gonna send you out an investment switch form with a forward on envelope, and I What's could do the the opt old in bathing there thing that you're as well. talking about? Sorry. So it basically says that even if your account temporarily dips below $6,000 that you don't want them to touch or cancel the insurance until it goes to zero to give you a bigger buffer. Yeah.","start_word":1520,"end_word":1792,"sentiment":"neutral","sentiment_score":0.09814719163945744},{"text":"Cool.","start_word":1793,"end_word":1793,"sentiment":"positive","sentiment_score":0.34424668550491333},{"text":"Yeah. Yeah. So is that something you can get to me and I just fill out? Is that We're gonna prefill all of it. It's just those two forms, they may not accept our digital signature program. So I'm just gonna post it with a four door envelope and prefill the whole lot Yep. Oh, please. So I just sign it and send it. for you. Yeah. If you can just drop it in a box after signing it, that's Yeah. all you need to do. Yes.","start_word":1794,"end_word":1880,"sentiment":"neutral","sentiment_score":0.1022721379995346},{"text":"So I can cope. Awesome.","start_word":1881,"end_word":1885,"sentiment":"positive","sentiment_score":0.5093730688095093},{"text":"Alright. When it comes to just slightly differently than I normally do SOAs here, page twelve and thirteen, there's advantages and disadvantages tables here. Yes. Let's just skip that for a quick second because it won't make too much sense until we go through the tables. And just go to page 15 for me, the fee comparison table. Yep. Got it. So the main thing to kind of point out here is this just includes obviously the balance, which is between the two accounts. There's Yes. a difference column on the right hand side. Now there's no capital gains tax to be paid from updating the investments. We did a bit of a check under the hood to make sure there wasn't gonna be a big gain to cause an issue with the super taxes. Yep. With Plum, if we update the portfolio the way I'm wanting to, it makes it slightly more aggressive in line with the high growth. It's a little bit more expensive, but the portfolio switch within hub is less expensive. So they kind of even each other out overall. Sorry. What are you changing? Sorry. Changing plumbing or So I'm doing a slight update to both, which I'll show changing you on the next one. hub? But Okay. just as Yep. a an idea on the fee impact, there'll Yep. be a reduction of investment fees within Hub, an increase in investment fees with Plum, and it kind of evens out to be about the same. Yeah. Yeah. Right. Okay. So the total cost change is $500. Is that right? No. So that's $500. We've got a new tiered fee structure for Oakview for adviser service fees. So everyone above 200,000 starts to get discounts, and there's another discount after 500,000, which you're getting pretty close to. So that's the fee savings there. Okay. Alright. Okay. Yep. Yep. So deposit Down that's the 500 deposited that's in the saving, not a not a in increase. Yeah. correct. Right. Okay. So $8 goes to 70. Yeah. Cool. Okay. Cool. At the bottom there, the averages, I've got a split table after this one, but, basically, the five year rolling average still sits at that 13% when I factor Yep. in both funds. Yep. But if you go to the next page, I've got a full breakdown for you just so you can see what's going on. So in five years, $7.70 recommend. Yeah. Okay. 40 k extra. And then yeah. Right. Okay. Cool. Yep.","start_word":1886,"end_word":2303,"sentiment":"neutral","sentiment_score":0.06026845256035978},{"text":"Overall, if we maintain that high growth, you you're pretty well almost fully invested. If we maintain that, you're gonna be soaring up to the mill pretty, pretty quickly, and then there's a measure of reducing the risk.","start_word":2304,"end_word":2341,"sentiment":"positive","sentiment_score":0.397630900144577},{"text":"So like I spoke about last year, fourteen years to go, let's do seven years of huge growth and then seven years of slowly reducing the risk down so you don't lose Yeah. all of it, you know, a year before you retire. Yeah. Yeah. Yep. Makes sense. Essentially, two market cycles. We're gonna use the volatility at the moment as a bit of a buying opportunity. Yep. Okay. Yep. Cool. And is that changing the the investment strategy of whatever it is, the the package, I guess, or whatever you wanna call it? Is that is that what you're saying? Has been changing how it's how what shares it is that's in the in the portfolio? Correct. So Yep. with the performance with the low, I have color coded it a little bit just so you can see what's going on. The benchmark Whereabouts we're aiming are for you? is Sorry. Are you on? same page as the projections. Yeah. Recommended, where it's orange and green. Yes. So Yep. in there, 9% is kind of the minimum benchmark that you want for your risk profile. Yep. Currently, both Plum and Hub got hit with the market drops recently, so a bit below that. The long term was getting a little bit laggy. But once we update both portfolios, you should be pretty well in double digits across all the time frames, except the Yep. plums just slightly slightly lagging, but it'll Yep. bump up quite a bit as well. Yep.","start_word":2342,"end_word":2592,"sentiment":"neutral","sentiment_score":0.08518402521828732},{"text":"Cool.","start_word":2593,"end_word":2593,"sentiment":"positive","sentiment_score":0.36002159118652344},{"text":"The investments themselves on the next page, I have done and, oh, I apologize for rainbowing this one, but easiest way to understand it. Plumb Super, I'm recommending you go from their growth option to their MLC high growth. Yep.","start_word":2594,"end_word":2633,"sentiment":"neutral","sentiment_score":0.15966492891311646},{"text":"They have some really good options, to be honest, like top 10 in the industry kinda thing that when, you know, news articles, they're high growth. They just shade up your growth assets by about 10% within there and bumps up the returns 2% average over ten years, which is huge.","start_word":2634,"end_word":2684,"sentiment":"positive","sentiment_score":0.4107034504413605},{"text":"Yep. Yeah. Yep. Yep. Inside the hub so I've been reconstructing everyone's portfolios this year given what's been going on, but yours, in particular, I'm not actually touching too much. So see all the blue ones there in that second last the target weight percentages? Yeah. Yep. I'm rebalancing most of them, selling off the Benelong option, which has been underperforming. I flagged it with you last year because it only grew a couple of percent, but it's actually Yep.","start_word":2685,"end_word":2764,"sentiment":"neutral","sentiment_score":-0.009809955954551697},{"text":"been plummeting quite fast, a bit faster than the market Yep.","start_word":2765,"end_word":2775,"sentiment":"negative","sentiment_score":-0.42454037070274353},{"text":"has been. Okay. Yeah. So I'm replacing that with the bottom option, which is the Alfiniti Australian share in green. Yep. Basically, it reduces the fees by 10% in comparison, and this one has been outperforming the Aussie market over one, three, five, and ten years. So it's just a straight up sidestep into someone who's doing much better.","start_word":2776,"end_word":2834,"sentiment":"neutral","sentiment_score":0.18749751150608063},{"text":"Yeah. Cool. Everything else is perfect. You've got battery tech and lithium. Electric vehicles has been soaring up massively. Even the China shares have been up. The Nasdaq, you've got all the tech stocks, and AI exposure has been huge. Everything is brilliant inside the portfolio.","start_word":2835,"end_word":2880,"sentiment":"positive","sentiment_score":0.549077033996582},{"text":"The only one to watch is just the Australian property option. With the CGT negative gearing changes, it got hit a little bit. I'm gonna keep an eye on that one and see if we need to switch that out next year as well. Yeah. Okay. Yep. That's it. Yep. That's probably all. One. So the negative that's in the buy sell, the negative means you're selling them to get the 96 k for an Alfiniti. Is that right? Yes. So Yes. Ben Long's being a full sell. Everything else is either a buy or a sell just to bring it back to the weightings that it should be based on the original model portfolio. Yeah. Yeah. Yeah. Just the 20% on the bottom three and then that yeah. Then make sure the others. Is that is that right? Is that what I'm saying? Exactly. Right. So Yep. then along goes it goes into Afiniti. Everyone else, we bring it down from, you know, 5.2% back to five or up Yeah. from three and a half back to six and where they should be in Yep. comparison to each other. Yep. Yeah. So I just call that a rebalance, really. Yeah. Yep. That And that's sorry. Last table is makes sense. page 19 at the bottom, 20 on the software. You've got growth allocation pie chart. Yeah. The pie charts for a proposed asset allocation. Is that the one you're talking about? Yeah. So middle row in gray, there's a growth total. You need 90 to a 100% to be high growth. You're sitting at the top end at 97 currently. Once we fix it up, it'll be 98 and a half. I I've lost you what page you were on. Sorry, mate. Sorry. No. You're So right. 19 with the pie chart. yeah. See, nineteen's got no pie chart. Twenty's got a pie chart which says proposed asset allocation. But on page 19, there's no pie chart, which down Should the bottom have a says page eight. It says page 18 on the on the like, on your footer. Is that the page you wanna be on, which is 19 on the on the on the Adobe or whatever? yeah. Yep. That's the one. Sorry. Difference Yeah. between the old Gmail and the document. No. That's cool. So looking at it, it says investment name. It says cash account, you know, your $6 or whatever. Underneath that, the page is blank. Like, there's no pie chart on that page. The first pie chart I see is proposed asset allocation. Yes. That's the one. Oh, okay. So then okay. So and then where's the 97 or something that I was looking at? Middle row of the table that's under the pie chart should say growth total, and it's kind of a Got gray yeah. bar. Got yeah. 97.65. Yeah. Got yeah. Sorry, mate. Yep. So we still keep it to the top end of high growth. The slight change in the MLC plum, that'll get you up a tiny bit.","start_word":2881,"end_word":3390,"sentiment":"neutral","sentiment_score":-0.004312006953884574},{"text":"But, again, we're just keeping you pretty much fully invested at this point.","start_word":3391,"end_word":3403,"sentiment":"positive","sentiment_score":0.3347723186016083},{"text":"Yes. Yeah. Yeah. Yep. Yep. Minimum cash balance is 1.25 for hub, that kind of thing. Yeah. Yep.","start_word":3404,"end_word":3421,"sentiment":"neutral","sentiment_score":0.21630588173866272},{"text":"And that's pretty much the plan.","start_word":3422,"end_word":3427,"sentiment":"positive","sentiment_score":0.355868935585022},{"text":"Everything after this is just, you know, keep your plumb super. Here's your updated figures for the life TPD, updated premiums, impact tables for that one, some reminders for, I don't know if you end up putting a a will in place. We we spoke about it, and then, I don't know, life gets away. It I'll does. I'll I'll print I'll print some yeah. No. I'll yeah. We've we've got we got a legal wheel kit thing. It's legal wheel kit. It's something similar at home. We just we just didn't do anything with. So I yeah. I need to do it. Yep. No worries. I'll put it out on file, but that's still sort of pending. And Yes. Yeah. I'll have a quick look at the hub account at the moment. But you've got Joe listed for the beneficiaries, which I'm assuming you're not changing at this point. No. No. No. Yeah. Cool. So so far, I haven't had to do too much of an overhaul to get you there. It's basically two sports cars, change a tire here, switch some fuel across. What do you think so far? Yeah. No. No. It makes sense. If it's, yeah, if it's gonna it's gonna improve whatever the I mean, the the market's, yeah, a bit wishy washy this year. So Yeah. And just as a quick recap too. So last year when I spoke to you, you'd had this huge, like, 18% growth, which was brilliant. And yep. we're still averaging at 9.48 after fees across the since you've become a client.","start_word":3428,"end_word":3690,"sentiment":"neutral","sentiment_score":0.002545715256562251},{"text":"But this year's it's dropped twice, once in March and once last month as well.","start_word":3691,"end_word":3705,"sentiment":"negative","sentiment_score":-0.33654358983039856},{"text":"Yep. Okay. And so I'm just trying to find I I haven't looked at the balance for probably a couple of months. Like, I have definitely looked at it recently, but not recent recent. So the $4.82 is on the on the that's the $4.82 is roughly all of it together based on what this is saying roughly. Pretty much. $4. 82 would be the $10 across plus the balance when we did the research and then Yeah. leaving 12 in plum. Yep. The $4.82, But does that include the plumber? Or yeah. Or let is me that not in that table, it's hard to tell on the table on page 18. Does does the the $4.82 down the bottom, does that include the 12 at the top of the for the plum? Or is that just a subtotal for is that a total for the whole page or is it subtotal for for hub? Apologies. So the way we break these ones up, hub, you need a 100% allocation when you do the switches. It also doesn't include the cash on that next table, the 6,100. Okay. So there's $4.82 plus 12 plus 6. Is that loosely what you're saying? Yes. So that's 500 on Yeah. Pretty much. the Your again, on your balance is fluctuating about the $10 every week button. or so. So take Yes. that with a Yeah. grain of salt. Yeah. Yeah. Yeah. No. I did all. Yeah. It it's yeah. It's up and down like a yo yo. So that's the market. Absolutely. Everything else there. So the document pack that I sent you, so that'll include an ongoing consent form for Hub twenty four. That's got the new tiered fee structure for Oakview on it. There's basically a split in how we've got to implement this. Once you sign that online pack for the statement of advice and the the consent form, we will jump on to Hub and do all the trades on a Friday Yep. to switch everything around. But then you'll get that posted pack with the investment for switch for plum and the opt in for the insurances. Yep. Yep. So if I like, I'm looking at my emails now my sign because I got your speaker phone. No one's in the office. So Yep. if I if I go into this signature request one, this is just a so I just go into that sign document and just read through it and then sign it. And Yes. is Outside that of that, everything else is is attachments at the that bottom for all the product all documents. There's only you three documents need inside the digital from system. One's the me advice at document this itself with the authority point? to proceed, the appendix with the research, and the consent form. That's all we need from you until you get that back in the mail. Yeah. Yeah.","start_word":3706,"end_word":4193,"sentiment":"neutral","sentiment_score":0.03540074564974572},{"text":"Cool.","start_word":4194,"end_word":4194,"sentiment":"positive","sentiment_score":0.4872186481952667},{"text":"And then all these attachments will just stay there because there's some an email. Right? So I can read them it. We've got nothing to do. Yeah. You can go through all 491 pages of investment options for Hub or Not one gonna thousand happen. 300 of them. Let's be honest. Hey. No. You'd be That's surprised fine. So how many times I've done it. no. That's fine. So I've just gotta sign this. You guys will do your thing on Friday, and then I'll get in the next week or two, I'll get something in the mail. And It. I'll just sign that, send it away, and and everything's all good as back to back to not back to normal, but, yeah, moving forward. Yeah. That's pretty much it.","start_word":4195,"end_word":4324,"sentiment":"neutral","sentiment_score":0.15017123520374298},{"text":"Cool. We Sounds still good.","start_word":4325,"end_word":4329,"sentiment":"positive","sentiment_score":0.6434541940689087},{"text":"got an ID on file until 2029, so I'll certify that with all the implementation. I'll update all of your details on file for, like, the home value, the shares, the savings, the income, Yep.","start_word":4330,"end_word":4364,"sentiment":"neutral","sentiment_score":0.26027044653892517},{"text":"and the way the contributions work, and then we should be good to go.","start_word":4365,"end_word":4378,"sentiment":"positive","sentiment_score":0.4910011887550354},{"text":"Yeah. No. Sounds good. Do you do you something I hadn't sort of spoken about is should I at what point Awesome. the obvious answer is is thirty years ago. What point should I be trying to like, obviously, I'm I'm paying these school fees. But at Yeah. what point should should I be looking at trying to like, I've got bulk cash sitting in a bank account to pay for school fees, ultimately, anyway. So should should account to pay fiscal fees ultimately anyway. Yeah. So should should we be looking at putting a 100 or $200 a week extra into super or what what like, what obviously, the answer is yes because I mean, you put in it's gonna add up at the end. Right? But I'm just do I do I do that and just do that through our payroll with direct to you guys and split the super contributions? Or what what do you what or do I just increase the super contributions to Plumb and and let that happen that way? So three thoughts there.","start_word":4379,"end_word":4558,"sentiment":"neutral","sentiment_score":0.026450983186562856},{"text":"If they can split where they go, that's fantastic because, obviously, dollar cost averaging means it comes in regularly, gets invested regularly, and that's much better than just doing a one off investment every six to twelve months.","start_word":4559,"end_word":4596,"sentiment":"positive","sentiment_score":0.55037921667099},{"text":"Yeah. Yep. If they can't do that, just do a diploma. We'll sweep it across. Yep. The idea of obviously, if you put the money in, more funds invested, compounding interest, 15% tax rate for salary Yeah. Yeah. sacrifice, Yeah. but locked away until 60 or above. Yeah. When when I a couple of years ago, like, five years ago, I worked at a different company and I was earning, like, $1.60, $1.70 then. And I had like, once we paid the house off, we start I was putting a thousand bucks a month into super because I just, like, I was, like, that's better than me trying to invest it because I, like, I don't have the time to work it out and the time and patience Yeah. to work it out. So I was doing that, but then once whilst the high school fees came and all those sorts of things, it became obviously a little bit more difficult to do. And also my salary dropped like $30 or $40 or something. So so yeah. I'm I'm aware I'm aware of the idea of doing it. It's just working out, yeah, when when it becomes affordable, I guess, for us with our budget. So Yeah. And then but again, yeah. just how payroll handles it. If they're okay to split it or do it one way, Yeah. we'll adjust to whatever you need. Yeah. If you asked me twelve months ago, I would have said, hey.","start_word":4597,"end_word":4844,"sentiment":"neutral","sentiment_score":-0.012208250351250172},{"text":"You can also consider investing personally because that way you can access it within the twelve years.","start_word":4845,"end_word":4861,"sentiment":"positive","sentiment_score":0.4403868317604065},{"text":"But Yeah. after the CGT changes, losing that 50% discount's a bit rough compared to super. So Yes.","start_word":4862,"end_word":4879,"sentiment":"neutral","sentiment_score":-0.19804134964942932},{"text":"if you want to Mhmm. invest for the next ten years, we can do that. If it's just for boosting up retirement quicker, then go for it.","start_word":4880,"end_word":4906,"sentiment":"positive","sentiment_score":0.4921189844608307},{"text":"Yeah. That that being said, and I don't know what you can or can't say, we've I mentioned to you previously about shares that we had. And with the capital tax changes, is the capital tax capital gains So is the c g CGT effective have we got until June 30 to sell? Is that right? I'll Or double check or are the we dates for you, but because you've held the assets for so long, it should be pretty well prorated. It's not like one of those things where if you don't sell it, they just flip it across and you, you know, you're out Yeah. of it. They tend Yep. to grandfather a lot of it, especially with properties too. Yeah. Yeah.","start_word":4907,"end_word":5030,"sentiment":"neutral","sentiment_score":0.05142124742269516},{"text":"Nice. It's all share.","start_word":5031,"end_word":5034,"sentiment":"positive","sentiment_score":0.4669700860977173},{"text":"Like, I've got, like, shares with NHC, which, to be honest, I got for a dollar 33, and they they travel around $6 a share now at 20,000 of them. And Yeah. Right. Yeah.","start_word":5035,"end_word":5068,"sentiment":"neutral","sentiment_score":0.2952408492565155},{"text":"My dividends, like I mean, I just got another $30.30 cents. I've had 40<unk> for the year, so $8 in dividends for the year.","start_word":5069,"end_word":5093,"sentiment":"positive","sentiment_score":0.34710973501205444},{"text":"I paid, like, what's the dollar 33 times 20, you know, like $28 or whatever, $27 for them, and I got $8 in in gives this year. Like, I just I just got lucky in terms of the share price and what it's like, it's it's a call share it's a call share, so it's going from, like I said, dollars 33 to 6 Yeah. dollars. Chase. And and so there's a big CGT event happening there, but, obviously, 50% off. Yeah. I was just trying to work out what the 50% off was, whether that died in the arse come July 1 or whether it's I I believe it's pro rata. Like, as in, you know, like, I find it for that has ten years for argument's sake and and only one year it's been without the CGT benefit. So, yeah, there'd be a whole heap of working out of numbers, but I think yeah. I'm just tossing up whether to get rid of it or or just keep keep getting, like, you know, $8 a year in gears and do something. Like, that just it's just a it's it's a positive. Right? It's another $8. Like, that actually pays for my daughter's school fees Yeah. each year. So So keep it split in in two ideas. Right? So recently, you've gotta think of timing for CGT and and taxes and all that kind of thing. Yep.","start_word":5094,"end_word":5330,"sentiment":"neutral","sentiment_score":0.04699802738201769},{"text":"Currently, beautiful. Great capital growth. Great dividends. It's just a good asset.","start_word":5331,"end_word":5342,"sentiment":"positive","sentiment_score":0.5981591939926147},{"text":"If you skip ahead ten years, will that company will that sector still be doing its thing? You kind of don't really know. People have Yeah. ideas I I and inklings. wouldn't think so. You'd think Carl because of, you know, with him and everything else that's going on. Like, it's yeah. So So it's either idea of just sell it while it's a profit, Yeah. get it out over and done with just to simplify your finances a little bit so you're not having to constantly watch it every six to twelve months and say, oh, is it now the right time to do it? If you just go, look. I've I've gotten enough out of it. It's time. If you're Yes. still Yeah. getting something out of it with the dividends where you're like, I need the cash flow, then keep it. And if you can afford to wait, you know, fifteen years until your income's gone because you're retired, then you could possibly sell it then and pay less because you've got low low income. Yeah. Long time. Yeah. Yep. Yep.","start_word":5343,"end_word":5526,"sentiment":"neutral","sentiment_score":-0.0031029293313622475},{"text":"So No. I That's can't cool.","start_word":5527,"end_word":5532,"sentiment":"negative","sentiment_score":-0.5372446775436401},{"text":"give you I'll the answer, but some thoughts. yeah. Yeah. Yeah. No. Of course. Yeah. I know. I wasn't yeah. It's it's there's a couple of different things going there. Because like I say, at the moment, it's covering most of my daughter's school fees, which is which is grand, because Yeah. I pay them up front each year rather than yeah. Because it's small discount, but it's $500 or something that that's better in my pocket. So Oh, yeah? Yeah. no. Cool.","start_word":5533,"end_word":5615,"sentiment":"neutral","sentiment_score":0.01513509638607502},{"text":"That sounds good.","start_word":5616,"end_word":5618,"sentiment":"positive","sentiment_score":0.49317798018455505},{"text":"Alright. Well, I'll I'll get this signed. Once we hang up, I'll have a quick squid through it and and sign that, and you'll have it back tonight.","start_word":5619,"end_word":5646,"sentiment":"neutral","sentiment_score":0.24530848860740664},{"text":"Beautiful.","start_word":5647,"end_word":5647,"sentiment":"positive","sentiment_score":0.6068769693374634},{"text":"Mate, if there's any other questions, you give us a buzz, especially when you get those forms. If there's anything amiss, just give us a buzz. In terms of catch ups, do you want me to just pencil in again just, like, a twelve month review while we do the six month sweeps if the balance is big enough, or do you want me to put in, like, quarterly catch ups? Is there a bit more to do for you? No. No. I'm good I'm good with the the annual. That's that's fine. Yeah. Cool. I'll be keeping an eye on things. Look. I'll I'll be honest with you. While the world goes up and down like a yo yo, I watch it every single day, but we're not gonna be jumping at every single news event that happens. So Yeah. Yeah. please expect that that you're about to crest 500,000. Wouldn't surprise me if you're sitting at four twelve and then 600 within the period of nine to twelve months. Yep. It's kinda part of the game at this point. Yeah. No. No. That all makes sense.","start_word":5648,"end_word":5835,"sentiment":"neutral","sentiment_score":0.0363418385386467},{"text":"That's that's the roller coaster of super and why you don't look at it every day.","start_word":5836,"end_word":5851,"sentiment":"negative","sentiment_score":-0.3710240721702576},{"text":"I mean, for me, Yeah. not you. That's what you do. But yeah. Like, it's yeah. I mean, it's the same, to be honest. There's no different to shares. Like, they go off and down like a yo yo as well, but, yeah, it it is what it is. Yeah. It's just people you know, it's very comfortable when you're 18 years old. You've got your first $15 in super. It goes up and down. Who really cares? Once you've got $500,000 sitting there fluctuating a $100 every six months, it becomes very real. But like Yes. I said, our plan is basically finish off growth for seven years, and then we'll time with you. If we overshoot the returns and get a huge amount of growth, we'll start to taper the risk off as you get closer to retirement anyways. Yeah. No. No.","start_word":5852,"end_word":5995,"sentiment":"neutral","sentiment_score":0.06248957203287217},{"text":"Sounds good. Awesome, mate. Thank you so much for your time, and I'll talk to you again soon. Thanks, Sal.","start_word":5996,"end_word":6015,"sentiment":"positive","sentiment_score":0.7322515249252319}],"average":{"sentiment":"neutral","sentiment_score":0.06653259976462166}}}}