{"metadata":{"transaction_key":"deprecated","request_id":"4ca8aec7-40ad-4a69-bba9-48dd50a8f690","sha256":"c5e9ac21065a94937027bbe7b2c4310b7e7e9fb7642fd0235844c548d0164fd2","created":"2026-03-26T03:58:28.646Z","duration":1442.808,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5191,"output_tokens":156},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5758,"output_tokens":5770},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5758,"output_tokens":429}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Ashley. It's Carl calling from Oakview Financial in regards to your scheduled booking. Good afternoon, Ashley. It's Kyle. How are you today? Yeah. Not too bad at all. Thank you for asking. I just scheduled in for you and your review. Is now still a good time for you? Perfect. Not a problem at all. Just to get started on that one, if I could just pass you through security with that name, date of birth, and kinda just we can get stuck into that one today. Perfect. Perfect. Thanks for that one there, Ashley. I definitely know these calls are recorded for quality and training purposes there as well. And just in regards to everything there, Ashley, just because it has been a while since you've been able to speak to us there. Do you have any questions before we get started there today? Okay. Not a problem at all. So what we'll do there today, and I've done a few of these before, we'll just go through and update the fact find, do a quick risk profile, and then I'll send out some documents there. It sounds like you are on the road or something, so don't feel like you have to open them. You can just sort of review them when you get home there as well. No problem. So we'll send out that annual review pack now, though. So we'll be going to ashsmith7572@hotmail.com. Perfect. So with that one there, the two signable documents will be your ongoing service agreement if you were still happy to stay on board as a client. Your current, like, agreement has lapsed there, so you're not getting charged a fee currently. So this would just be to turn it back on for you to be our main client. We'd hope you sort of in line with your previous advice and then sort of any advice that sort of does come from this call or in future. In addition to that one there, you'll have a Vanguard index chart, a summary of just your superannuation there because you don't have any insurances there currently. In addition to that, yeah, you'll also have the Oakview updated financial services guide and Oakview services guide there as well. So once you do get a chance there to review that one, if you were happy with the service and happy to stay on, it outlines the potential fee you'll pay for the next twelve months in regards to that in your balance, which is something to be mindful of when reviewing that. It'll give you, like, the estimated sort of monthly figure, which given your account is quite high there. So it'll be around the $550 as, like, a monthly basis because there's a percentage based fee. Perfect. So you'll be able to review those when you get home there. But do you have any questions in regards to those documents or what's being sent out there today? Yeah. It's not a problem at all. So what we'll do now that Ashley was we'll just go through and update all your details, make sure that's all still up to date and correct there. So address doesn't change. That's great. Email's the same. I've got Vicky down here as your Nextiva King contact. Is that still correct? Yep. Yep. We don't actually have a number or anything, though, in the event that we couldn't reach you. Did you wanna put down, like, a number or an email that would that's probably fine. They're not provided. They might ask you at a later date just as regards to contact. It's only event that we couldn't reach you there, so that's fine. As far as your your job there, I know you were the farm manager. Is that still currently what you're doing? Okay. And what are you doing at the moment? In terms of contributions? Because you're a sole sole trader. Yeah. And is that still doing farm work? Yeah. And with the planning contract, what does that entail? Sorry. Oh, planting. Sorry. I thought you said planning. That's my bad. I just didn't hear you correctly. Not a problem. And then with that one there, now that you're doing your sole trader work, are you sort of in the office a little bit as well? Sort of how much in the office work are you doing versus, like, out in the field work? Yep. Not a problem. And then within regards to your name of your business, do you have a name for that yet? Yeah. Not a problem. And then as far as in the time since you've been doing the sole trader business, how long have you been doing that versus, like, your industry experience? Yep. And how long have you been doing, like, the farming work? Sorry. If you don't mind me asking, Ash. Just as, like, industry whole, like, as in, like, how long have you been doing pharma? Yep. So definitely a bit of time under your belt. Perfect. And then as far as the hours you're doing at the moment, do you know roughly sort of each week what you're doing? Yep. Okay. So you do, like, your harvesting, planting, and, like, general maintenance, farm maintenance? No problem. And when work's sort of, like, going well and you are in, like, the stages of, like, planting or harvesting and things like that, do you sort of are you doing bigger weeks? Is it between, like, the forty and sixty hours? Or do you sort of cut your cover? Not a problem. And then with that at the moment, do you know roughly sort of what you're bringing in annually as the sole trader expected to bring in annually? Yep. And then with that sort of for the back end of the year, so do you rec so do you reckon you're expected to make that in, like, another six months as well, like, around the 200 thousand will be your your annual income? Yep. And is that like, obviously, as a sole trader, that's everything's income unless it's an expenditure. Is that sort of taking into account the expenses going out? Yep. Do you know roughly what you'd sort of take home afterwards after the expenses are considered? Yeah. No. That's fine. And then as far as, like, your expenditure and savings per week at the moment there, Ash, do you know roughly what you're sort of putting in the bank versus what you're spending sort of each week? Yeah. And do you plan on doing any contributions? Have you got an accountant that you work with that sort of will be Yes. Not a problem. And do you have an account that's sort of doing everything in regards to, like, your past statements and everything like that? Not a problem at all. And I'll just get some updated assets and liabilities there. So I know you had the house around $1.90. Is that sort of still roughly what it's worth? Yep. And do you know roughly what the the mortgage left owing on that one is? Yep. And then I know you had some work vehicles there totaling around a 100,000 sort of market. What sort of vehicles do you have at the moment? Yep. And they also add up to around the $100,000 mark? Yep. And then how much is left going on those at the moment? Yep. And I know you had a harvest that was around 80 with a bit owing. Have you managed to pay that off? Perfect. And then as far as your own personal vehicles, I know you had a couple cars worth around 30,000 as a total. Is that still about right? Yep. And then in regards to your credit card, I know you had a a credit card that you sort of did accrue a bit of debt on, but managed to sort of paid down. Do you have any credit card debt at the moment? 70, was it? Sorry. 17. And is that all on credit cards, or is that, like, a personal loan as well? Or yep. And then with that, is that sort of you run everything through the business through that as well as sort of paying it off? Or yep. And do you have a bit of a savings account built up for a bit of a rainy day fund at the moment there? Okay. Do you have an is that an offset or it's just all on the actual mortgage? Yeah. But that's not sitting in, like, an offset. It's, like, actually on the mortgage and, like, you can redraw it if you did want to? Okay. No problem. Perfect. And then as far as these questions are a little bit random, but they've just been added there. Have you ever declared bankruptcy or a part nine debt agreement at all there, Ash? Perfect. And then as far as a tax resident, you're only a tax resident in Australia. Correct? Yep. And you're not involved in any sort of politics or any family in politics at all, are you? Perfect. And with regards to your health, I know you're a nonsmoker and didn't have any health issues there. Is that still largely been the same, though, unexpected hospital trips? Perfect. No medications you're currently taking? Perfect. And do you hold private health cover at the moment, Dash? That's okay. And then with in regards to your state planning matters, have you managed to get a will sorted at all? Yeah. No. It's fine. We can pass along some just local solicitors details here in regards to some information if you want that to have a look through in regards to their pricing and, like, just general information on wheels and estate planning. If you can have a read through that, just otherwise, you could find someone just local to yourself. Even if you sort of read through that, you don't have to go with this service there, a separate service to Oakview. It's just a a local solicitors where you can't obviously draw up wills. Yep. I'll get that emailed through to you. Now in regards to your goals and what you're trying to achieve at the moment there, I know you're potentially looking at reviewing your mortgage in a a few years once you paid down a little bit as well. And then you're also just sort of focusing on building up some money for retirement. Are there sort of still the goals you're working towards? Is there anything else you're working towards at the moment? Yeah. So mainly build up the business, pay the house off, and build a shed? And then in regards to insurances and you're not having any insurances, are you still comfortable not holding any life, TPD, IP, or trauma? Yeah. And do you still get work cover as a contractor or through do you have insurances with your business? Yeah. Okay. Perfect. Now here we go to the next bit there. We'll just quickly run through a risk profile and make sure that that's up to date with what we've currently got you invested in there and see how that lines up. So bear with me. I'll just run through these questions once it loads up there for me. Perfect. Now I have here you've invested in direct shares previously. Did you used to have direct shares? No. That's fine. And then with you being 55 now or turning 55, when do you sort of plan on accessing Super? Do you still plan on working to, like, the age of 67, or have you thought about and maybe changed a bit? Yep. And then with inflation and the cost of living obviously going up and the level of risk to, like, obviously get returns within, like, superannuation, things like that, are you still willing to accept that higher amount of risk to outpace that inflation in regards to your investments? Yeah. Well, it just sort of depends on when you're planning on retire accessing the funds. So, obviously, as you get closer to the age of where you wanna draw the money at, you obviously wanna preserve your balance a bit more. While you're still, like, contributing and working, you can afford to take on a bit more risk. And then you sort of look at dialing it back as you get closer to retirement and wanting to draw down on the funds to reduce that volatility a bit. But if you plan on sort of working for over ten more years, you can still maintain that level of higher risk. Now if you did have a decrease by 20% just with what's going on, obviously, it's been a bit of a bad start in back end of last year in regards to war and everything that has occurred. New Super has taken quite a bit of a drop in regards to that one. Now if it was to drop by, like, 20%, would that make you concerned? Would you wanna sort of shift to more defensive assets, or would you Pardon? Yeah. And are you still happy, like, holding and waiting for it to come back and not sort of panic selling to anything? Yep. Perfect. And then over the longer term, what you're trying to achieve in terms of your investments, obviously, bigger is better, so we'll keep that. Now with the drop there, did it does it make you kind of, like, concerned at all or quite cautious or you're pretty, you know, just it is what it is like you said? Or Yep. That's fine. And in regards to borrowed money, would you ever put borrowed money into anything other than property? If circumstances were different, would you ever borrow to have, like, investments and things like that? Yeah. No. That's fine. So that does bring out as a growth investor there, which is about an eighty twenty split. Now currently, you're in the high growth, which is about a ninety ten split of growth assets to defensive assets. Now with that, you can obviously if you plan on sort of working for another ten plus years, you can afford to still take on that level of higher risk with the high growth with a ninety ten split and then sort of maintaining that to try and get a little bit more growth over the longer term period out of your superannuation, if that makes sense. Yep. Yeah. No. That's perfectly fine. And are you still comfortable with that high growth portfolio? Or like a high growth investment option at the moment there? Perfect. Now in regards to your investments, now as I said, and I'm not too sure from who you've spoken to previously before our discussion there, but you recently had quite a dip, not only just due to the wall, but because you had a Ben Long Australian equities fund in there for about 30% of your portfolio. Now with that one and the markets and what did happen, they basically had an underlying asset that was done for not reporting correctly. So as a result of that one, it had to like, a market correction with having to reevaluate that stock and then the fund itself and then people, like, pulling some money out of that fund. Now as an Oakview business decision, they did switch that investment out for an alternative index option, which is passive in nature, so you don't have the risk of a manager picking and choosing winners. And then with that there, your portfolio has moved to a more passive approach and a cheaper ongoing cost. Now they did that record advice and that change for that singular asset. Now with that, you do hold quite the holdings in regards to the Australian equities. So you have about 40% in that Australian 200, which is quite high. It is obviously one of the indexes, so it just tracks what the markets are doing at the end of the day. But if that market's not performing to to crash hot, it does mean you do have 40% in that, and it does sort of reduce your diversification down a little bit. Now as an option, we can review that portfolio to make an adjustment following that change as well, or we can leave that investment portfolio as it is to see how that Australian 200 does compared to the Benelong and how the markets recover after this war kind of sells down. Is that something you wanna do in terms of, like, reviewing it? Or okay. Yeah. Obviously, at any point, you can review that as long as you are aware that you do have about 40% in that Australian 200 investment. You can log on and have a look at your investments and see how comfortable you are with that and about 50% across international equities. And then you have some gold in there as well and a little bit of, like, cash holdings. But if the Australian markets do great, then fantastic. Your portfolio does great. If the Australian market doesn't do too crash hot, then it will sort of impact your performance there, and then we can review it at any time. So if you see from three to six months from now that your portfolio is not performing how you'd like it to, we can always review it at any point from that as well, if that makes sense. Did you want, like, a a six month follow-up to just see how things are tracking there? Yes. I have sent that off, so that should come through to you. Yeah. It should be in your email inbox. Obviously, in regards to performance, it's down, like, 4% for the year. Now majority of that did come because you had 30% in that bet along, but you'll be able to see on that too that has been sold and switched down to that Australian two hundred. So you won't hold any bet along moving forward, and then that's just from the investment committee making that recorded advice change there for you for your account. If we sort of do six month follow-up from now and you're not still happy with how things are moving with that change that from that switch for Bennelong, then obviously, we can review that portfolio if you're a bit busy now and focused on work. Okay. Not a problem. But in regards to everything we have discussed there, Ash, is there any concerns, questions, or anything else you wanted to touch on a little bit more from the conversation? Yeah. That's not a problem. If you do read through that and do you have any questions and wanna reach out, that's more than fine. Obviously, in regards to that, I'll chuck you down for that six month follow-up there. Someone might follow you up in just regard to that DocuSign just because if you're not an ongoing client and still when if you don't have that ongoing service agreement. But otherwise, then we'll sort of be touching base on that six month mark to go over everything if you wanna leave it alone as is for now. Yeah. And then sort of given that six month mark anyway, given that you have been on board since, like, 2022, it's probably a good idea just to do a review of things anyway just given your time on board and probably just see if anything does need updating. But, obviously, if you're you're right into your planning at the the moment, then you're probably a little bit busy and don't have the the time to do all this, which is more than fine there as well. Too easy, Ash. If you don't have any questions for me now, I'll email off that lawyer information for you to have a look at, and I'll just see if there's any other outstanding requirements on your account. I believe everything else is up to date. Your ID will expire, the one we've got on file at the end of the year, so they'll probably chase you up sort of towards the end of the year, start of next year to get that ID updated, but I think that's probably about it. Not a problem at all, Ash. Well, I'll let you get back to it. If you do have any questions in regards to contributions and things like that, obviously, you can reach out to your accountant. If you do want some just general queries and things like that, we're happy to answer some questions or if you need your contribution details for that as well. Too easy, Ash. Well, you enjoy the rest of your your Avo. Take it easy out there. Cheers. 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afternoon, Ashley. It's Carl calling from Oakview Financial in regards to your scheduled booking. Good afternoon, Ashley. It's Kyle. How are you today?\n\nYeah. Not too bad at all. Thank you for asking. I just scheduled in for you and your review. Is now still a good time for you?\n\nPerfect. Not a problem at all. Just to get started on that one, if I could just pass you through security with that name, date of birth, and kinda just we can get stuck into that one today. Perfect. Perfect.\n\nThanks for that one there, Ashley. I definitely know these calls are recorded for quality and training purposes there as well. And just in regards to everything there, Ashley, just because it has been a while since you've been able to speak to us there. Do you have any questions before we get started there today? Okay.\n\nNot a problem at all. So what we'll do there today, and I've done a few of these before, we'll just go through and update the fact find, do a quick risk profile, and then I'll send out some documents there. It sounds like you are on the road or something, so don't feel like you have to open them. You can just sort of review them when you get home there as well. No problem.\n\nSo we'll send out that annual review pack now, though. So we'll be going to ashsmith7572@hotmail.com. Perfect. So with that one there, the two signable documents will be your ongoing service agreement if you were still happy to stay on board as a client. Your current, like, agreement has lapsed there, so you're not getting charged a fee currently.\n\nSo this would just be to turn it back on for you to be our main client. We'd hope you sort of in line with your previous advice and then sort of any advice that sort of does come from this call or in future. In addition to that one there, you'll have a Vanguard index chart, a summary of just your superannuation there because you don't have any insurances there currently. In addition to that, yeah, you'll also have the Oakview updated financial services guide and Oakview services guide there as well. So once you do get a chance there to review that one, if you were happy with the service and happy to stay on, it outlines the potential fee you'll pay for the next twelve months in regards to that in your balance, which is something to be mindful of when reviewing that.\n\nIt'll give you, like, the estimated sort of monthly figure, which given your account is quite high there. So it'll be around the $550 as, like, a monthly basis because there's a percentage based fee. Perfect. So you'll be able to review those when you get home there. But do you have any questions in regards to those documents or what's being sent out there today?\n\nYeah. It's not a problem at all. So what we'll do now that Ashley was we'll just go through and update all your details, make sure that's all still up to date and correct there. So address doesn't change. That's great.\n\nEmail's the same. I've got Vicky down here as your Nextiva King contact. Is that still correct? Yep. Yep.\n\nWe don't actually have a number or anything, though, in the event that we couldn't reach you. Did you wanna put down, like, a number or an email that would that's probably fine. They're not provided. They might ask you at a later date just as regards to contact. It's only event that we couldn't reach you there, so that's fine.\n\nAs far as your your job there, I know you were the farm manager. Is that still currently what you're doing? Okay. And what are you doing at the moment? In terms of contributions?\n\nBecause you're a sole sole trader. Yeah. And is that still doing farm work? Yeah. And with the planning contract, what does that entail?\n\nSorry. Oh, planting. Sorry. I thought you said planning. That's my bad.\n\nI just didn't hear you correctly. Not a problem. And then with that one there, now that you're doing your sole trader work, are you sort of in the office a little bit as well? Sort of how much in the office work are you doing versus, like, out in the field work? Yep.\n\nNot a problem. And then within regards to your name of your business, do you have a name for that yet? Yeah. Not a problem. And then as far as in the time since you've been doing the sole trader business, how long have you been doing that versus, like, your industry experience?\n\nYep. And how long have you been doing, like, the farming work? Sorry. If you don't mind me asking, Ash. Just as, like, industry whole, like, as in, like, how long have you been doing pharma?\n\nYep. So definitely a bit of time under your belt. Perfect. And then as far as the hours you're doing at the moment, do you know roughly sort of each week what you're doing? Yep.\n\nOkay. So you do, like, your harvesting, planting, and, like, general maintenance, farm maintenance? No problem. And when work's sort of, like, going well and you are in, like, the stages of, like, planting or harvesting and things like that, do you sort of are you doing bigger weeks? Is it between, like, the forty and sixty hours?\n\nOr do you sort of cut your cover? Not a problem. And then with that at the moment, do you know roughly sort of what you're bringing in annually as the sole trader expected to bring in annually? Yep. And then with that sort of for the back end of the year, so do you rec so do you reckon you're expected to make that in, like, another six months as well, like, around the 200 thousand will be your your annual income?\n\nYep. And is that like, obviously, as a sole trader, that's everything's income unless it's an expenditure. Is that sort of taking into account the expenses going out? Yep. Do you know roughly what you'd sort of take home afterwards after the expenses are considered?\n\nYeah. No. That's fine. And then as far as, like, your expenditure and savings per week at the moment there, Ash, do you know roughly what you're sort of putting in the bank versus what you're spending sort of each week? Yeah.\n\nAnd do you plan on doing any contributions? Have you got an accountant that you work with that sort of will be Yes. Not a problem. And do you have an account that's sort of doing everything in regards to, like, your past statements and everything like that? Not a problem at all.\n\nAnd I'll just get some updated assets and liabilities there. So I know you had the house around $1.90. Is that sort of still roughly what it's worth? Yep. And do you know roughly what the the mortgage left owing on that one is?\n\nYep. And then I know you had some work vehicles there totaling around a 100,000 sort of market. What sort of vehicles do you have at the moment? Yep. And they also add up to around the $100,000 mark?\n\nYep. And then how much is left going on those at the moment? Yep. And I know you had a harvest that was around 80 with a bit owing. Have you managed to pay that off?\n\nPerfect. And then as far as your own personal vehicles, I know you had a couple cars worth around 30,000 as a total. Is that still about right? Yep. And then in regards to your credit card, I know you had a a credit card that you sort of did accrue a bit of debt on, but managed to sort of paid down.\n\nDo you have any credit card debt at the moment? 70, was it? Sorry. 17. And is that all on credit cards, or is that, like, a personal loan as well?\n\nOr yep. And then with that, is that sort of you run everything through the business through that as well as sort of paying it off? Or yep. And do you have a bit of a savings account built up for a bit of a rainy day fund at the moment there? Okay.\n\nDo you have an is that an offset or it's just all on the actual mortgage? Yeah. But that's not sitting in, like, an offset. It's, like, actually on the mortgage and, like, you can redraw it if you did want to? Okay.\n\nNo problem. Perfect. And then as far as these questions are a little bit random, but they've just been added there. Have you ever declared bankruptcy or a part nine debt agreement at all there, Ash? Perfect.\n\nAnd then as far as a tax resident, you're only a tax resident in Australia. Correct? Yep. And you're not involved in any sort of politics or any family in politics at all, are you? Perfect.\n\nAnd with regards to your health, I know you're a nonsmoker and didn't have any health issues there. Is that still largely been the same, though, unexpected hospital trips? Perfect. No medications you're currently taking? Perfect.\n\nAnd do you hold private health cover at the moment, Dash? That's okay. And then with in regards to your state planning matters, have you managed to get a will sorted at all? Yeah. No.\n\nIt's fine. We can pass along some just local solicitors details here in regards to some information if you want that to have a look through in regards to their pricing and, like, just general information on wheels and estate planning. If you can have a read through that, just otherwise, you could find someone just local to yourself. Even if you sort of read through that, you don't have to go with this service there, a separate service to Oakview. It's just a a local solicitors where you can't obviously draw up wills.\n\nYep. I'll get that emailed through to you. Now in regards to your goals and what you're trying to achieve at the moment there, I know you're potentially looking at reviewing your mortgage in a a few years once you paid down a little bit as well. And then you're also just sort of focusing on building up some money for retirement. Are there sort of still the goals you're working towards?\n\nIs there anything else you're working towards at the moment? Yeah. So mainly build up the business, pay the house off, and build a shed? And then in regards to insurances and you're not having any insurances, are you still comfortable not holding any life, TPD, IP, or trauma? Yeah.\n\nAnd do you still get work cover as a contractor or through do you have insurances with your business? Yeah. Okay. Perfect. Now here we go to the next bit there.\n\nWe'll just quickly run through a risk profile and make sure that that's up to date with what we've currently got you invested in there and see how that lines up. So bear with me. I'll just run through these questions once it loads up there for me. Perfect. Now I have here you've invested in direct shares previously.\n\nDid you used to have direct shares? No. That's fine. And then with you being 55 now or turning 55, when do you sort of plan on accessing Super? Do you still plan on working to, like, the age of 67, or have you thought about and maybe changed a bit?\n\nYep. And then with inflation and the cost of living obviously going up and the level of risk to, like, obviously get returns within, like, superannuation, things like that, are you still willing to accept that higher amount of risk to outpace that inflation in regards to your investments? Yeah. Well, it just sort of depends on when you're planning on retire accessing the funds. So, obviously, as you get closer to the age of where you wanna draw the money at, you obviously wanna preserve your balance a bit more.\n\nWhile you're still, like, contributing and working, you can afford to take on a bit more risk. And then you sort of look at dialing it back as you get closer to retirement and wanting to draw down on the funds to reduce that volatility a bit. But if you plan on sort of working for over ten more years, you can still maintain that level of higher risk. Now if you did have a decrease by 20% just with what's going on, obviously, it's been a bit of a bad start in back end of last year in regards to war and everything that has occurred. New Super has taken quite a bit of a drop in regards to that one.\n\nNow if it was to drop by, like, 20%, would that make you concerned? Would you wanna sort of shift to more defensive assets, or would you Pardon? Yeah. And are you still happy, like, holding and waiting for it to come back and not sort of panic selling to anything? Yep.\n\nPerfect. And then over the longer term, what you're trying to achieve in terms of your investments, obviously, bigger is better, so we'll keep that. Now with the drop there, did it does it make you kind of, like, concerned at all or quite cautious or you're pretty, you know, just it is what it is like you said? Or Yep. That's fine.\n\nAnd in regards to borrowed money, would you ever put borrowed money into anything other than property? If circumstances were different, would you ever borrow to have, like, investments and things like that? Yeah. No. That's fine.\n\nSo that does bring out as a growth investor there, which is about an eighty twenty split. Now currently, you're in the high growth, which is about a ninety ten split of growth assets to defensive assets. Now with that, you can obviously if you plan on sort of working for another ten plus years, you can afford to still take on that level of higher risk with the high growth with a ninety ten split and then sort of maintaining that to try and get a little bit more growth over the longer term period out of your superannuation, if that makes sense. Yep. Yeah.\n\nNo. That's perfectly fine. And are you still comfortable with that high growth portfolio? Or like a high growth investment option at the moment there? Perfect.\n\nNow in regards to your investments, now as I said, and I'm not too sure from who you've spoken to previously before our discussion there, but you recently had quite a dip, not only just due to the wall, but because you had a Ben Long Australian equities fund in there for about 30% of your portfolio. Now with that one and the markets and what did happen, they basically had an underlying asset that was done for not reporting correctly. So as a result of that one, it had to like, a market correction with having to reevaluate that stock and then the fund itself and then people, like, pulling some money out of that fund. Now as an Oakview business decision, they did switch that investment out for an alternative index option, which is passive in nature, so you don't have the risk of a manager picking and choosing winners. And then with that there, your portfolio has moved to a more passive approach and a cheaper ongoing cost.\n\nNow they did that record advice and that change for that singular asset. Now with that, you do hold quite the holdings in regards to the Australian equities. So you have about 40% in that Australian 200, which is quite high. It is obviously one of the indexes, so it just tracks what the markets are doing at the end of the day. But if that market's not performing to to crash hot, it does mean you do have 40% in that, and it does sort of reduce your diversification down a little bit.\n\nNow as an option, we can review that portfolio to make an adjustment following that change as well, or we can leave that investment portfolio as it is to see how that Australian 200 does compared to the Benelong and how the markets recover after this war kind of sells down. Is that something you wanna do in terms of, like, reviewing it? Or okay. Yeah. Obviously, at any point, you can review that as long as you are aware that you do have about 40% in that Australian 200 investment.\n\nYou can log on and have a look at your investments and see how comfortable you are with that and about 50% across international equities. And then you have some gold in there as well and a little bit of, like, cash holdings. But if the Australian markets do great, then fantastic. Your portfolio does great. If the Australian market doesn't do too crash hot, then it will sort of impact your performance there, and then we can review it at any time.\n\nSo if you see from three to six months from now that your portfolio is not performing how you'd like it to, we can always review it at any point from that as well, if that makes sense. Did you want, like, a a six month follow-up to just see how things are tracking there? Yes. I have sent that off, so that should come through to you. Yeah.\n\nIt should be in your email inbox. Obviously, in regards to performance, it's down, like, 4% for the year. Now majority of that did come because you had 30% in that bet along, but you'll be able to see on that too that has been sold and switched down to that Australian two hundred. So you won't hold any bet along moving forward, and then that's just from the investment committee making that recorded advice change there for you for your account. If we sort of do six month follow-up from now and you're not still happy with how things are moving with that change that from that switch for Bennelong, then obviously, we can review that portfolio if you're a bit busy now and focused on work.\n\nOkay. Not a problem. But in regards to everything we have discussed there, Ash, is there any concerns, questions, or anything else you wanted to touch on a little bit more from the conversation? Yeah. That's not a problem.\n\nIf you do read through that and do you have any questions and wanna reach out, that's more than fine. Obviously, in regards to that, I'll chuck you down for that six month follow-up there. Someone might follow you up in just regard to that DocuSign just because if you're not an ongoing client and still when if you don't have that ongoing service agreement. But otherwise, then we'll sort of be touching base on that six month mark to go over everything if you wanna leave it alone as is for now. Yeah.\n\nAnd then sort of given that six month mark anyway, given that you have been on board since, like, 2022, it's probably a good idea just to do a review of things anyway just given your time on board and probably just see if anything does need updating. But, obviously, if you're you're right into your planning at the the moment, then you're probably a little bit busy and don't have the the time to do all this, which is more than fine there as well. Too easy, Ash. If you don't have any questions for me now, I'll email off that lawyer information for you to have a look at, and I'll just see if there's any other outstanding requirements on your account. I believe everything else is up to date.\n\nYour ID will expire, the one we've got on file at the end of the year, so they'll probably chase you up sort of towards the end of the year, start of next year to get that ID updated, but I think that's probably about it. Not a problem at all, Ash. Well, I'll let you get back to it. If you do have any questions in regards to contributions and things like that, obviously, you can reach out to your accountant. If you do want some just general queries and things like that, we're happy to answer some questions or if you need your contribution details for that as well.\n\nToo easy, Ash. Well, you enjoy the rest of your your Avo. Take it easy out there. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Ashley.","start":6.48,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.2468623568614324},{"text":"It's Carl calling from Oakview Financial in regards to your scheduled booking.","start":7.3599997,"end":10.74,"sentiment":"neutral","sentiment_score":0.20814337705572447},{"text":"Good afternoon, Ashley.","start":41.565,"end":42.445,"sentiment":"neutral","sentiment_score":0.308305561542511},{"text":"It's Kyle.","start":42.445,"end":42.925,"sentiment":"neutral","sentiment_score":0.27241551876068115},{"text":"How are you today?","start":42.925,"end":43.905,"sentiment":"neutral","sentiment_score":0.3071354031562805}],"sentiment":"neutral","sentiment_score":0.247358205417792,"num_words":24,"start":6.48,"end":43.905},{"sentences":[{"text":"Yeah.","start":45.964996,"end":46.364998,"sentiment":"neutral","sentiment_score":0.29936692118644714},{"text":"Not too bad at all.","start":46.364998,"end":47.004997,"sentiment":"positive","sentiment_score":0.3958619713783264},{"text":"Thank you for asking.","start":47.004997,"end":47.725,"sentiment":"positive","sentiment_score":0.6532777398824692},{"text":"I just scheduled in for you and your review.","start":47.725,"end":49.484997,"sentiment":"positive","sentiment_score":0.4496411581834157},{"text":"Is now still a good time for you?","start":49.484997,"end":51.12,"sentiment":"positive","sentiment_score":0.3831043876707554}],"sentiment":"positive","sentiment_score":0.44457012083795333,"num_words":27,"start":45.964996,"end":51.12},{"sentences":[{"text":"Perfect.","start":53.44,"end":53.76,"sentiment":"positive","sentiment_score":0.47173553705215454},{"text":"Not a problem at all.","start":53.76,"end":54.64,"sentiment":"positive","sentiment_score":0.40937904119491575},{"text":"Just to get started on that one, if I could just pass you through security with that name, date of birth, and kinda just we can get stuck into that one today.","start":54.64,"end":60.34,"sentiment":"neutral","sentiment_score":0.3274210663512349},{"text":"Perfect.","start":72.575,"end":72.814995,"sentiment":"neutral","sentiment_score":0.32915014028549194},{"text":"Perfect.","start":72.814995,"end":73.295,"sentiment":"positive","sentiment_score":0.5081496834754944}],"sentiment":"positive","sentiment_score":0.34583511725068095,"num_words":40,"start":53.44,"end":73.295},{"sentences":[{"text":"Thanks for that one there, Ashley.","start":73.295,"end":74.415,"sentiment":"positive","sentiment_score":0.625182310740153},{"text":"I definitely know these calls are recorded for quality and training purposes there as well.","start":74.415,"end":78.51,"sentiment":"neutral","sentiment_score":0.31607311268647514},{"text":"And just in regards to everything there, Ashley, just because it has been a while since you've been able to speak to us there.","start":80.83,"end":85.87,"sentiment":"neutral","sentiment_score":0.04316555801779032},{"text":"Do you have any questions before we get started there today?","start":85.87,"end":88.450005,"sentiment":"neutral","sentiment_score":0.03302518803287636},{"text":"Okay.","start":96.765,"end":97.165,"sentiment":"neutral","sentiment_score":0.017734039574861526}],"sentiment":"neutral","sentiment_score":0.1738451764052897,"num_words":57,"start":73.295,"end":97.165},{"sentences":[{"text":"Not a problem at all.","start":97.165,"end":98.125,"sentiment":"neutral","sentiment_score":0.06011680662631989},{"text":"So what we'll do there today, and I've done a few of these before, we'll just go through and update the fact find, do a quick risk profile, and then I'll send out some documents there.","start":98.125,"end":105.46001,"sentiment":"neutral","sentiment_score":0.09067619912740257},{"text":"It sounds like you are on the road or something, so don't feel like you have to open them.","start":105.46001,"end":108.9,"sentiment":"neutral","sentiment_score":-0.01548225364010585},{"text":"You can just sort of review them when you get home there as well.","start":108.9,"end":111.4,"sentiment":"neutral","sentiment_score":0.07285277465624469},{"text":"No problem.","start":112.9,"end":113.54,"sentiment":"neutral","sentiment_score":0.1614517942070961}],"sentiment":"neutral","sentiment_score":0.060705352844180244,"num_words":76,"start":97.165,"end":113.54},{"sentences":[{"text":"So we'll send out that annual review pack now, though.","start":113.54,"end":115.54,"sentiment":"neutral","sentiment_score":0.16139932051301004},{"text":"So we'll be going to ashsmith7572@hotmail.com.","start":115.54,"end":119.895,"sentiment":"neutral","sentiment_score":0.1122984712322553},{"text":"Perfect.","start":121.475,"end":121.795,"sentiment":"neutral","sentiment_score":0.29958128929138184},{"text":"So with that one there, the two signable documents will be your ongoing service agreement if you were still happy to stay on board as a client.","start":121.795,"end":127.655,"sentiment":"neutral","sentiment_score":0.21428551718040748},{"text":"Your current, like, agreement has lapsed there, so you're not getting charged a fee currently.","start":128.035,"end":131.715,"sentiment":"neutral","sentiment_score":-0.19244727840026218}],"sentiment":"neutral","sentiment_score":0.09298923914715396,"num_words":59,"start":113.54,"end":131.715},{"sentences":[{"text":"So this would just be to turn it back on for you to be our main client.","start":131.715,"end":135.17,"sentiment":"neutral","sentiment_score":0.0957288417746039},{"text":"We'd hope you sort of in line with your previous advice and then sort of any advice that sort of does come from this call or in future.","start":135.17,"end":141.82999,"sentiment":"neutral","sentiment_score":0.17630971648863383},{"text":"In addition to that one there, you'll have a Vanguard index chart, a summary of just your superannuation there because you don't have any insurances there currently.","start":143.01,"end":150.455,"sentiment":"neutral","sentiment_score":0.1849802820770829},{"text":"In addition to that, yeah, you'll also have the Oakview updated financial services guide and Oakview services guide there as well.","start":151.555,"end":158.855,"sentiment":"neutral","sentiment_score":0.13876351997965858},{"text":"So once you do get a chance there to review that one, if you were happy with the service and happy to stay on, it outlines the potential fee you'll pay for the next twelve months in regards to that in your balance, which is something to be mindful of when reviewing that.","start":159.315,"end":173.08,"sentiment":"neutral","sentiment_score":0.2131358042078198}],"sentiment":"neutral","sentiment_score":0.17649836664738722,"num_words":146,"start":131.715,"end":173.08},{"sentences":[{"text":"It'll give you, like, the estimated sort of monthly figure, which given your account is quite high there.","start":173.08,"end":178.36499,"sentiment":"neutral","sentiment_score":-0.02092714048922062},{"text":"So it'll be around the $550 as, like, a monthly basis because there's a percentage based fee.","start":178.36499,"end":183.58499,"sentiment":"neutral","sentiment_score":0.004578481263974134},{"text":"Perfect.","start":187.165,"end":187.665,"sentiment":"positive","sentiment_score":0.6077442169189453},{"text":"So you'll be able to review those when you get home there.","start":188.75,"end":190.91,"sentiment":"positive","sentiment_score":0.4048262561360995},{"text":"But do you have any questions in regards to those documents or what's being sent out there today?","start":190.91,"end":194.69,"sentiment":"neutral","sentiment_score":0.09244662130044566}],"sentiment":"neutral","sentiment_score":0.10349763828245076,"num_words":66,"start":173.08,"end":194.69},{"sentences":[{"text":"Yeah.","start":199.39,"end":199.63,"sentiment":"neutral","sentiment_score":0.11768738925457},{"text":"It's not a problem at all.","start":199.63,"end":200.835,"sentiment":"neutral","sentiment_score":0.24882366756598154},{"text":"So what we'll do now that Ashley was we'll just go through and update all your details, make sure that's all still up to date and correct there.","start":201.395,"end":207.395,"sentiment":"neutral","sentiment_score":0.13628280854650907},{"text":"So address doesn't change.","start":207.395,"end":208.595,"sentiment":"neutral","sentiment_score":0.04191222507506609},{"text":"That's great.","start":208.595,"end":209.155,"sentiment":"positive","sentiment_score":0.6018831729888916}],"sentiment":"neutral","sentiment_score":0.1658039824446527,"num_words":41,"start":199.39,"end":209.155},{"sentences":[{"text":"Email's the same.","start":209.155,"end":210.29501,"sentiment":"neutral","sentiment_score":0.21439853807290396},{"text":"I've got Vicky down here as your Nextiva King contact.","start":210.835,"end":213.955,"sentiment":"neutral","sentiment_score":0.13956743627786636},{"text":"Is that still correct?","start":213.955,"end":215.095,"sentiment":"neutral","sentiment_score":0.10130040906369686},{"text":"Yep.","start":217.78,"end":218.28,"sentiment":"neutral","sentiment_score":0.04417385905981064},{"text":"Yep.","start":219.94,"end":220.34,"sentiment":"neutral","sentiment_score":0.005360126495361328}],"sentiment":"neutral","sentiment_score":0.13124239993722817,"num_words":19,"start":209.155,"end":220.34},{"sentences":[{"text":"We don't actually have a number or anything, though, in the event that we couldn't reach you.","start":220.34,"end":223.14,"sentiment":"neutral","sentiment_score":-0.1186716113896931},{"text":"Did you wanna put down, like, a number or an email that would that's probably fine.","start":223.14,"end":232.595,"sentiment":"neutral","sentiment_score":0.04989996465155855},{"text":"They're not provided.","start":232.595,"end":233.395,"sentiment":"neutral","sentiment_score":-0.2007632553577423},{"text":"They might ask you at a later date just as regards to contact.","start":233.395,"end":236.695,"sentiment":"neutral","sentiment_score":-0.10514116516480079},{"text":"It's only event that we couldn't reach you there, so that's fine.","start":236.755,"end":239.55,"sentiment":"neutral","sentiment_score":-0.05950663580248753}],"sentiment":"neutral","sentiment_score":-0.06397086068926776,"num_words":61,"start":220.34,"end":239.55},{"sentences":[{"text":"As far as your your job there, I know you were the farm manager.","start":241.23,"end":243.87,"sentiment":"neutral","sentiment_score":0.011199761714254106},{"text":"Is that still currently what you're doing?","start":243.87,"end":245.49,"sentiment":"neutral","sentiment_score":-0.00703704876026937},{"text":"Okay.","start":249.47,"end":249.87,"sentiment":"neutral","sentiment_score":0.022694196552038193},{"text":"And what are you doing at the moment?","start":249.87,"end":251.57,"sentiment":"neutral","sentiment_score":0.0031167694833129644},{"text":"In terms of contributions?","start":255.265,"end":256.405,"sentiment":"neutral","sentiment_score":-0.026660251896828413}],"sentiment":"neutral","sentiment_score":0.0014271961032029461,"num_words":34,"start":241.23,"end":256.405},{"sentences":[{"text":"Because you're a sole sole trader.","start":256.54498,"end":258.565,"sentiment":"neutral","sentiment_score":-0.011536923935636878},{"text":"Yeah.","start":263.665,"end":263.905,"sentiment":"neutral","sentiment_score":0.01689458265900612},{"text":"And is that still doing farm work?","start":263.905,"end":265.76498,"sentiment":"neutral","sentiment_score":0.008968535012432508},{"text":"Yeah.","start":278.545,"end":279.045,"sentiment":"neutral","sentiment_score":0.0447976253926754},{"text":"And with the planning contract, what does that entail?","start":283.505,"end":285.825,"sentiment":"neutral","sentiment_score":0.02365312896048029}],"sentiment":"neutral","sentiment_score":0.011172023757050434,"num_words":24,"start":256.54498,"end":285.825},{"sentences":[{"text":"Sorry.","start":285.825,"end":286.325,"sentiment":"neutral","sentiment_score":-0.03334706276655197},{"text":"Oh, planting.","start":289.025,"end":289.665,"sentiment":"neutral","sentiment_score":-0.016719652339816093},{"text":"Sorry.","start":289.665,"end":289.905,"sentiment":"neutral","sentiment_score":-0.09914447367191316},{"text":"I thought you said planning.","start":289.905,"end":290.865,"sentiment":"neutral","sentiment_score":-0.18359985649585725},{"text":"That's my bad.","start":290.865,"end":291.345,"sentiment":"neutral","sentiment_score":-0.3146253824234009}],"sentiment":"neutral","sentiment_score":-0.16898385590563217,"num_words":12,"start":285.825,"end":291.345},{"sentences":[{"text":"I just didn't hear you correctly.","start":291.345,"end":292.565,"sentiment":"neutral","sentiment_score":-0.24843812237183252},{"text":"Not a problem.","start":294.47,"end":295.37,"sentiment":"neutral","sentiment_score":0.1008159766594569},{"text":"And then with that one there, now that you're doing your sole trader work, are you sort of in the office a little bit as well?","start":295.99,"end":302.94998,"sentiment":"neutral","sentiment_score":0.026698719925032213},{"text":"Sort of how much in the office work are you doing versus, like, out in the field work?","start":302.94998,"end":306.88998,"sentiment":"neutral","sentiment_score":-0.0006373184991793499},{"text":"Yep.","start":311.075,"end":311.575,"sentiment":"neutral","sentiment_score":0.09196583926677704}],"sentiment":"neutral","sentiment_score":-0.007657777405930338,"num_words":54,"start":291.345,"end":311.575},{"sentences":[{"text":"Not a problem.","start":312.11502,"end":312.935,"sentiment":"neutral","sentiment_score":0.17999465763568878},{"text":"And then within regards to your name of your business, do you have a name for that yet?","start":315.23502,"end":320.45502,"sentiment":"neutral","sentiment_score":0.0408687007923921},{"text":"Yeah.","start":327.4,"end":327.9,"sentiment":"neutral","sentiment_score":0.08907878398895264},{"text":"Not a problem.","start":328.36,"end":329.18,"sentiment":"neutral","sentiment_score":0.13528551161289215},{"text":"And then as far as in the time since you've been doing the sole trader business, how long have you been doing that versus, like, your industry experience?","start":329.24,"end":342.895,"sentiment":"neutral","sentiment_score":0.029663972656375596}],"sentiment":"neutral","sentiment_score":0.04907824793162773,"num_words":53,"start":312.11502,"end":342.895},{"sentences":[{"text":"Yep.","start":342.895,"end":343.29498,"sentiment":"neutral","sentiment_score":0.03333272784948349},{"text":"And how long have you been doing, like, the farming work?","start":343.29498,"end":345.535,"sentiment":"neutral","sentiment_score":0.01710839586501772},{"text":"Sorry.","start":345.535,"end":345.655,"sentiment":"neutral","sentiment_score":-0.0054323188960552216},{"text":"If you don't mind me asking, Ash.","start":345.655,"end":347.235,"sentiment":"neutral","sentiment_score":-0.006261750490271619},{"text":"Just as, like, industry whole, like, as in, like, how long have you been doing pharma?","start":353.47,"end":357.25,"sentiment":"neutral","sentiment_score":0.030995370936580002}],"sentiment":"neutral","sentiment_score":0.018560734583944496,"num_words":36,"start":342.895,"end":357.25},{"sentences":[{"text":"Yep.","start":360.76498,"end":361.005,"sentiment":"neutral","sentiment_score":0.19676709175109863},{"text":"So definitely a bit of time under your belt.","start":361.005,"end":364.145,"sentiment":"positive","sentiment_score":0.3444455994500054},{"text":"Perfect.","start":367.245,"end":367.745,"sentiment":"positive","sentiment_score":0.6540491580963135},{"text":"And then as far as the hours you're doing at the moment, do you know roughly sort of each week what you're doing?","start":368.285,"end":373.345,"sentiment":"neutral","sentiment_score":0.08139513384388841},{"text":"Yep.","start":381.99,"end":382.49,"sentiment":"neutral","sentiment_score":0.020245369523763657}],"sentiment":"neutral","sentiment_score":0.1669474312237331,"num_words":35,"start":360.76498,"end":382.49},{"sentences":[{"text":"Okay.","start":400.82,"end":401.06,"sentiment":"neutral","sentiment_score":0.07941807806491852},{"text":"So you do, like, your harvesting, planting, and, like, general maintenance, farm maintenance?","start":401.06,"end":405.72,"sentiment":"neutral","sentiment_score":0.05931662366940425},{"text":"No problem.","start":413.315,"end":413.975,"sentiment":"neutral","sentiment_score":0.11894311383366585},{"text":"And when work's sort of, like, going well and you are in, like, the stages of, like, planting or harvesting and things like that, do you sort of are you doing bigger weeks?","start":414.435,"end":421.795,"sentiment":"neutral","sentiment_score":0.03261097424635381},{"text":"Is it between, like, the forty and sixty hours?","start":421.795,"end":423.875,"sentiment":"neutral","sentiment_score":-0.011671719865666496}],"sentiment":"neutral","sentiment_score":0.035509260082296254,"num_words":58,"start":400.82,"end":423.875},{"sentences":[{"text":"Or do you sort of cut your cover?","start":423.875,"end":431.02002,"sentiment":"neutral","sentiment_score":-0.012822274817153811},{"text":"Not a problem.","start":431.02002,"end":431.74,"sentiment":"neutral","sentiment_score":0.060050236682097115},{"text":"And then with that at the moment, do you know roughly sort of what you're bringing in annually as the sole trader expected to bring in annually?","start":431.74,"end":437.84,"sentiment":"neutral","sentiment_score":0.01947575028019923},{"text":"Yep.","start":449.695,"end":450.17502,"sentiment":"neutral","sentiment_score":0.04604779928922653},{"text":"And then with that sort of for the back end of the year, so do you rec so do you reckon you're expected to make that in, like, another six months as well, like, around the 200 thousand will be your your annual income?","start":450.17502,"end":463.94998,"sentiment":"neutral","sentiment_score":0.034945002630014314}],"sentiment":"neutral","sentiment_score":0.026349948001015616,"num_words":83,"start":423.875,"end":463.94998},{"sentences":[{"text":"Yep.","start":469.625,"end":470.125,"sentiment":"neutral","sentiment_score":0.04181323200464249},{"text":"And is that like, obviously, as a sole trader, that's everything's income unless it's an expenditure.","start":475.625,"end":481.71002,"sentiment":"neutral","sentiment_score":-0.012365805567242205},{"text":"Is that sort of taking into account the expenses going out?","start":481.71002,"end":484.85,"sentiment":"neutral","sentiment_score":-0.003985923968932845},{"text":"Yep.","start":488.27002,"end":488.59,"sentiment":"neutral","sentiment_score":0.22867219150066376},{"text":"Do you know roughly what you'd sort of take home afterwards after the expenses are considered?","start":488.59,"end":493.905,"sentiment":"neutral","sentiment_score":0.10896754218265414}],"sentiment":"neutral","sentiment_score":0.039383734348747465,"num_words":45,"start":469.625,"end":493.905},{"sentences":[{"text":"Yeah.","start":500.205,"end":500.60498,"sentiment":"neutral","sentiment_score":-0.023172691464424133},{"text":"No.","start":500.60498,"end":500.76498,"sentiment":"neutral","sentiment_score":-0.060171499848365784},{"text":"That's fine.","start":500.76498,"end":501.585,"sentiment":"neutral","sentiment_score":0.17287694662809372},{"text":"And then as far as, like, your expenditure and savings per week at the moment there, Ash, do you know roughly what you're sort of putting in the bank versus what you're spending sort of each week?","start":503.50998,"end":511.61,"sentiment":"neutral","sentiment_score":0.020915565792018094},{"text":"Yeah.","start":527.28503,"end":527.78503,"sentiment":"neutral","sentiment_score":0.05804712325334549}],"sentiment":"neutral","sentiment_score":0.026055541892890773,"num_words":42,"start":500.205,"end":527.78503},{"sentences":[{"text":"And do you plan on doing any contributions?","start":528.37,"end":530.38995,"sentiment":"neutral","sentiment_score":0.0484631210565567},{"text":"Have you got an accountant that you work with that sort of will be Yes.","start":530.52997,"end":540.44995,"sentiment":"neutral","sentiment_score":0.015389082829157512},{"text":"Not a problem.","start":540.44995,"end":541.26996,"sentiment":"neutral","sentiment_score":0.15834333995978037},{"text":"And do you have an account that's sort of doing everything in regards to, like, your past statements and everything like that?","start":542.835,"end":547.655,"sentiment":"neutral","sentiment_score":0.07936442965133624},{"text":"Not a problem at all.","start":558.05,"end":559.08997,"sentiment":"neutral","sentiment_score":0.2853486090898514}],"sentiment":"neutral","sentiment_score":0.08049682506693984,"num_words":53,"start":528.37,"end":559.08997},{"sentences":[{"text":"And I'll just get some updated assets and liabilities there.","start":559.08997,"end":561.56995,"sentiment":"neutral","sentiment_score":0.18324537724256515},{"text":"So I know you had the house around $1.90.","start":561.56995,"end":563.41,"sentiment":"neutral","sentiment_score":0.10838076306713952},{"text":"Is that sort of still roughly what it's worth?","start":563.41,"end":565.425,"sentiment":"neutral","sentiment_score":0.09753961612780888},{"text":"Yep.","start":567.665,"end":567.90497,"sentiment":"neutral","sentiment_score":0.05655071139335632},{"text":"And do you know roughly what the the mortgage left owing on that one is?","start":567.90497,"end":571.045,"sentiment":"neutral","sentiment_score":0.014800281450152396}],"sentiment":"neutral","sentiment_score":0.09009754814376886,"num_words":44,"start":559.08997,"end":571.045},{"sentences":[{"text":"Yep.","start":580.08,"end":580.58,"sentiment":"neutral","sentiment_score":0.06264849007129669},{"text":"And then I know you had some work vehicles there totaling around a 100,000 sort of market.","start":581.12,"end":586.56,"sentiment":"neutral","sentiment_score":0.029327722156749052},{"text":"What sort of vehicles do you have at the moment?","start":586.56,"end":588.66,"sentiment":"neutral","sentiment_score":0.018192490004003047},{"text":"Yep.","start":595.375,"end":595.615,"sentiment":"neutral","sentiment_score":0.07955201715230942},{"text":"And they also add up to around the $100,000 mark?","start":595.615,"end":598.59503,"sentiment":"neutral","sentiment_score":0.07701136767864228}],"sentiment":"neutral","sentiment_score":0.040841291300379313,"num_words":39,"start":580.08,"end":598.59503},{"sentences":[{"text":"Yep.","start":600.335,"end":600.655,"sentiment":"neutral","sentiment_score":0.043247029185295105},{"text":"And then how much is left going on those at the moment?","start":600.655,"end":603.075,"sentiment":"neutral","sentiment_score":0.020909481526662905},{"text":"Yep.","start":613.73004,"end":613.97003,"sentiment":"neutral","sentiment_score":0.03798667713999748},{"text":"And I know you had a harvest that was around 80 with a bit owing.","start":613.97003,"end":616.53,"sentiment":"neutral","sentiment_score":0.01638448319087426},{"text":"Have you managed to pay that off?","start":616.53,"end":618.07,"sentiment":"neutral","sentiment_score":0.025610398235065595}],"sentiment":"neutral","sentiment_score":0.02103298667093946,"num_words":36,"start":600.335,"end":618.07},{"sentences":[{"text":"Perfect.","start":623.08496,"end":623.58496,"sentiment":"positive","sentiment_score":0.6869968175888062},{"text":"And then as far as your own personal vehicles, I know you had a couple cars worth around 30,000 as a total.","start":623.725,"end":628.685,"sentiment":"neutral","sentiment_score":0.15926101736047052},{"text":"Is that still about right?","start":628.685,"end":629.985,"sentiment":"neutral","sentiment_score":0.04040804617106915},{"text":"Yep.","start":631.98,"end":632.48,"sentiment":"neutral","sentiment_score":0.044420383870601654},{"text":"And then in regards to your credit card, I know you had a a credit card that you sort of did accrue a bit of debt on, but managed to sort of paid down.","start":632.77997,"end":641.1,"sentiment":"neutral","sentiment_score":0.009540633572375072}],"sentiment":"neutral","sentiment_score":0.07558065643977552,"num_words":63,"start":623.08496,"end":641.1},{"sentences":[{"text":"Do you have any credit card debt at the moment?","start":641.1,"end":643.125,"sentiment":"neutral","sentiment_score":-0.02035012226551771},{"text":"70, was it?","start":648.165,"end":648.965,"sentiment":"neutral","sentiment_score":-0.01422822941094637},{"text":"Sorry.","start":648.965,"end":649.465,"sentiment":"neutral","sentiment_score":-0.07379909604787827},{"text":"17.","start":652.645,"end":653.145,"sentiment":"neutral","sentiment_score":-0.033797673881053925},{"text":"And is that all on credit cards, or is that, like, a personal loan as well?","start":653.605,"end":656.965,"sentiment":"neutral","sentiment_score":-0.02579174464335665}],"sentiment":"neutral","sentiment_score":-0.024724212745504993,"num_words":31,"start":641.1,"end":656.965},{"sentences":[{"text":"Or yep.","start":656.965,"end":661.98,"sentiment":"neutral","sentiment_score":-0.08749176748096943},{"text":"And then with that, is that sort of you run everything through the business through that as well as sort of paying it off?","start":662.27997,"end":667.63995,"sentiment":"neutral","sentiment_score":-0.02745800659370919},{"text":"Or yep.","start":667.63995,"end":668.86,"sentiment":"neutral","sentiment_score":-0.015142288990318775},{"text":"And do you have a bit of a savings account built up for a bit of a rainy day fund at the moment there?","start":673.815,"end":678.555,"sentiment":"neutral","sentiment_score":0.0002627058420330286},{"text":"Okay.","start":685.59,"end":685.83,"sentiment":"neutral","sentiment_score":0.01028561033308506}],"sentiment":"neutral","sentiment_score":-0.015993768314145645,"num_words":53,"start":656.965,"end":685.83},{"sentences":[{"text":"Do you have an is that an offset or it's just all on the actual mortgage?","start":685.83,"end":689.21,"sentiment":"neutral","sentiment_score":-0.006979638012126088},{"text":"Yeah.","start":694.405,"end":694.72504,"sentiment":"neutral","sentiment_score":0.007220866158604622},{"text":"But that's not sitting in, like, an offset.","start":694.72504,"end":696.245,"sentiment":"neutral","sentiment_score":-0.03259915579110384},{"text":"It's, like, actually on the mortgage and, like, you can redraw it if you did want to?","start":696.245,"end":699.86505,"sentiment":"neutral","sentiment_score":0.0037974189857349675},{"text":"Okay.","start":702.16504,"end":702.48505,"sentiment":"neutral","sentiment_score":0.12044374644756316}],"sentiment":"neutral","sentiment_score":-0.004191784166492695,"num_words":43,"start":685.83,"end":702.48505},{"sentences":[{"text":"No problem.","start":702.48505,"end":703.22504,"sentiment":"neutral","sentiment_score":0.24291665107011795},{"text":"Perfect.","start":704.16504,"end":704.66504,"sentiment":"positive","sentiment_score":0.34166330099105835},{"text":"And then as far as these questions are a little bit random, but they've just been added there.","start":705.125,"end":711.0,"sentiment":"neutral","sentiment_score":0.02385991108086374},{"text":"Have you ever declared bankruptcy or a part nine debt agreement at all there, Ash?","start":711.0,"end":714.7,"sentiment":"neutral","sentiment_score":-0.03322852564354738},{"text":"Perfect.","start":718.68,"end":719.18,"sentiment":"neutral","sentiment_score":0.16497230529785156}],"sentiment":"neutral","sentiment_score":0.02495998441166169,"num_words":37,"start":702.48505,"end":719.18},{"sentences":[{"text":"And then as far as a tax resident, you're only a tax resident in Australia.","start":719.48004,"end":724.595,"sentiment":"neutral","sentiment_score":0.01617749979098638},{"text":"Correct?","start":724.65497,"end":725.15497,"sentiment":"neutral","sentiment_score":0.03133546933531761},{"text":"Yep.","start":727.135,"end":727.635,"sentiment":"neutral","sentiment_score":0.04126383736729622},{"text":"And you're not involved in any sort of politics or any family in politics at all, are you?","start":727.695,"end":731.875,"sentiment":"neutral","sentiment_score":-0.05307245875398318},{"text":"Perfect.","start":733.455,"end":733.955,"sentiment":"neutral","sentiment_score":0.11524125933647156}],"sentiment":"neutral","sentiment_score":-0.014577810962994894,"num_words":36,"start":719.48004,"end":733.955},{"sentences":[{"text":"And with regards to your health, I know you're a nonsmoker and didn't have any health issues there.","start":734.495,"end":738.88,"sentiment":"neutral","sentiment_score":-0.005439465024715497},{"text":"Is that still largely been the same, though, unexpected hospital trips?","start":738.88,"end":742.1,"sentiment":"neutral","sentiment_score":-0.07881557467308911},{"text":"Perfect.","start":744.88,"end":745.38,"sentiment":"positive","sentiment_score":0.5020394325256348},{"text":"No medications you're currently taking?","start":745.44,"end":747.94,"sentiment":"neutral","sentiment_score":0.08071098439395427},{"text":"Perfect.","start":750.465,"end":750.705,"sentiment":"neutral","sentiment_score":0.21080194413661957}],"sentiment":"neutral","sentiment_score":0.004208739077310181,"num_words":36,"start":734.495,"end":750.705},{"sentences":[{"text":"And do you hold private health cover at the moment, Dash?","start":750.705,"end":753.285,"sentiment":"neutral","sentiment_score":0.04311943782324141},{"text":"That's okay.","start":756.065,"end":756.885,"sentiment":"neutral","sentiment_score":0.07145484164357185},{"text":"And then with in regards to your state planning matters, have you managed to get a will sorted at all?","start":757.425,"end":763.35,"sentiment":"neutral","sentiment_score":0.032670247741043566},{"text":"Yeah.","start":768.31,"end":768.70996,"sentiment":"neutral","sentiment_score":-0.0011301878839731216},{"text":"No.","start":768.70996,"end":768.87,"sentiment":"neutral","sentiment_score":0.014999747276306152}],"sentiment":"neutral","sentiment_score":0.036699943244457245,"num_words":35,"start":750.705,"end":768.87},{"sentences":[{"text":"It's fine.","start":768.87,"end":769.50995,"sentiment":"neutral","sentiment_score":0.16255637258291245},{"text":"We can pass along some just local solicitors details here in regards to some information if you want that to have a look through in regards to their pricing and, like, just general information on wheels and estate planning.","start":769.50995,"end":782.805,"sentiment":"neutral","sentiment_score":0.09475460944649501},{"text":"If you can have a read through that, just otherwise, you could find someone just local to yourself.","start":782.805,"end":787.225,"sentiment":"neutral","sentiment_score":0.08888676472836071},{"text":"Even if you sort of read through that, you don't have to go with this service there, a separate service to Oakview.","start":787.52496,"end":792.08496,"sentiment":"neutral","sentiment_score":0.07449311458251694},{"text":"It's just a a local solicitors where you can't obviously draw up wills.","start":792.08496,"end":795.82,"sentiment":"neutral","sentiment_score":0.036009892319830566}],"sentiment":"neutral","sentiment_score":0.0822072489325829,"num_words":94,"start":768.87,"end":795.82},{"sentences":[{"text":"Yep.","start":797.80005,"end":798.30005,"sentiment":"neutral","sentiment_score":0.17388972640037537},{"text":"I'll get that emailed through to you.","start":798.84,"end":800.78,"sentiment":"neutral","sentiment_score":0.2599155732563564},{"text":"Now in regards to your goals and what you're trying to achieve at the moment there, I know you're potentially looking at reviewing your mortgage in a a few years once you paid down a little bit as well.","start":801.80005,"end":813.965,"sentiment":"neutral","sentiment_score":0.12876232579732552},{"text":"And then you're also just sort of focusing on building up some money for retirement.","start":814.985,"end":818.765,"sentiment":"neutral","sentiment_score":0.1284452165166537},{"text":"Are there sort of still the goals you're working towards?","start":819.065,"end":821.705,"sentiment":"neutral","sentiment_score":0.10167510360479355}],"sentiment":"neutral","sentiment_score":0.13831192679289314,"num_words":72,"start":797.80005,"end":821.705},{"sentences":[{"text":"Is there anything else you're working towards at the moment?","start":821.705,"end":823.92,"sentiment":"neutral","sentiment_score":0.05307723060250282},{"text":"Yeah.","start":831.83997,"end":832.33997,"sentiment":"neutral","sentiment_score":0.028442855924367905},{"text":"So mainly build up the business, pay the house off, and build a shed?","start":834.16,"end":837.45996,"sentiment":"neutral","sentiment_score":0.04076025980923857},{"text":"And then in regards to insurances and you're not having any insurances, are you still comfortable not holding any life, TPD, IP, or trauma?","start":843.525,"end":850.66504,"sentiment":"neutral","sentiment_score":-0.06004373022976021},{"text":"Yeah.","start":858.66,"end":858.89996,"sentiment":"neutral","sentiment_score":0.016785364598035812}],"sentiment":"neutral","sentiment_score":-0.005888107232749462,"num_words":50,"start":821.705,"end":858.89996},{"sentences":[{"text":"And do you still get work cover as a contractor or through do you have insurances with your business?","start":858.89996,"end":864.19995,"sentiment":"neutral","sentiment_score":0.0042641286395098035},{"text":"Yeah.","start":864.42,"end":864.66,"sentiment":"neutral","sentiment_score":0.02533430233597755},{"text":"Okay.","start":864.66,"end":865.16,"sentiment":"neutral","sentiment_score":0.025503359735012054},{"text":"Perfect.","start":867.495,"end":867.995,"sentiment":"positive","sentiment_score":0.5890491008758545},{"text":"Now here we go to the next bit there.","start":869.41504,"end":871.015,"sentiment":"neutral","sentiment_score":0.12567077494329876}],"sentiment":"neutral","sentiment_score":0.05974007037378127,"num_words":31,"start":858.89996,"end":871.015},{"sentences":[{"text":"We'll just quickly run through a risk profile and make sure that that's up to date with what we've currently got you invested in there and see how that lines up.","start":871.015,"end":878.555,"sentiment":"neutral","sentiment_score":0.07822656403145482},{"text":"So bear with me.","start":879.3,"end":880.02,"sentiment":"neutral","sentiment_score":0.11277847550809383},{"text":"I'll just run through these questions once it loads up there for me.","start":880.02,"end":883.48004,"sentiment":"neutral","sentiment_score":0.1618500558229593},{"text":"Perfect.","start":890.75494,"end":891.25494,"sentiment":"positive","sentiment_score":0.4371549189090729},{"text":"Now I have here you've invested in direct shares previously.","start":891.555,"end":894.435,"sentiment":"neutral","sentiment_score":0.06327911131083966}],"sentiment":"neutral","sentiment_score":0.10254464652073586,"num_words":59,"start":871.015,"end":894.435},{"sentences":[{"text":"Did you used to have direct shares?","start":894.435,"end":896.375,"sentiment":"neutral","sentiment_score":0.008167915711445468},{"text":"No.","start":899.07495,"end":899.31494,"sentiment":"neutral","sentiment_score":-0.060300640761852264},{"text":"That's fine.","start":899.31494,"end":900.13495,"sentiment":"neutral","sentiment_score":0.06163619086146355},{"text":"And then with you being 55 now or turning 55, when do you sort of plan on accessing Super?","start":901.95496,"end":911.58,"sentiment":"neutral","sentiment_score":0.02268572935932561},{"text":"Do you still plan on working to, like, the age of 67, or have you thought about and maybe changed a bit?","start":911.58,"end":916.8,"sentiment":"neutral","sentiment_score":0.012612482532858849}],"sentiment":"neutral","sentiment_score":0.016248051460613224,"num_words":51,"start":894.435,"end":916.8},{"sentences":[{"text":"Yep.","start":919.595,"end":920.095,"sentiment":"neutral","sentiment_score":0.1001313254237175},{"text":"And then with inflation and the cost of living obviously going up and the level of risk to, like, obviously get returns within, like, superannuation, things like that, are you still willing to accept that higher amount of risk to outpace that inflation in regards to your investments?","start":920.475,"end":933.21497,"sentiment":"neutral","sentiment_score":-0.02647281864968439},{"text":"Yeah.","start":939.17,"end":939.41003,"sentiment":"neutral","sentiment_score":0.0124300392344594},{"text":"Well, it just sort of depends on when you're planning on retire accessing the funds.","start":939.41003,"end":942.53,"sentiment":"neutral","sentiment_score":0.012891171748439472},{"text":"So, obviously, as you get closer to the age of where you wanna draw the money at, you obviously wanna preserve your balance a bit more.","start":942.53,"end":948.045,"sentiment":"neutral","sentiment_score":0.05634227724602589}],"sentiment":"neutral","sentiment_score":0.005495965429632873,"num_words":91,"start":919.595,"end":948.045},{"sentences":[{"text":"While you're still, like, contributing and working, you can afford to take on a bit more risk.","start":948.125,"end":952.385,"sentiment":"neutral","sentiment_score":0.06022812535657602},{"text":"And then you sort of look at dialing it back as you get closer to retirement and wanting to draw down on the funds to reduce that volatility a bit.","start":953.245,"end":959.885,"sentiment":"neutral","sentiment_score":0.044743743663032846},{"text":"But if you plan on sort of working for over ten more years, you can still maintain that level of higher risk.","start":959.885,"end":964.94,"sentiment":"neutral","sentiment_score":0.04380326819690791},{"text":"Now if you did have a decrease by 20% just with what's going on, obviously, it's been a bit of a bad start in back end of last year in regards to war and everything that has occurred.","start":968.36005,"end":978.445,"sentiment":"negative","sentiment_score":-0.3362984210252762},{"text":"New Super has taken quite a bit of a drop in regards to that one.","start":978.445,"end":981.665,"sentiment":"negative","sentiment_score":-0.3795693665742874}],"sentiment":"neutral","sentiment_score":-0.12412309964172176,"num_words":122,"start":948.125,"end":981.665},{"sentences":[{"text":"Now if it was to drop by, like, 20%, would that make you concerned?","start":981.885,"end":985.245,"sentiment":"neutral","sentiment_score":-0.03798489741581891},{"text":"Would you wanna sort of shift to more defensive assets, or would you Pardon?","start":985.245,"end":992.18,"sentiment":"neutral","sentiment_score":-0.0801873223057815},{"text":"Yeah.","start":997.6,"end":997.92,"sentiment":"neutral","sentiment_score":0.05131825432181358},{"text":"And are you still happy, like, holding and waiting for it to come back and not sort of panic selling to anything?","start":997.92,"end":1002.98,"sentiment":"neutral","sentiment_score":0.1847798124971715},{"text":"Yep.","start":1003.155,"end":1003.655,"sentiment":"neutral","sentiment_score":0.10043587535619736}],"sentiment":"neutral","sentiment_score":0.04927882554833419,"num_words":52,"start":981.885,"end":1003.655},{"sentences":[{"text":"Perfect.","start":1008.515,"end":1009.015,"sentiment":"positive","sentiment_score":0.5361601114273071},{"text":"And then over the longer term, what you're trying to achieve in terms of your investments, obviously, bigger is better, so we'll keep that.","start":1009.55505,"end":1015.575,"sentiment":"neutral","sentiment_score":0.22562023314336935},{"text":"Now with the drop there, did it does it make you kind of, like, concerned at all or quite cautious or you're pretty, you know, just it is what it is like you said?","start":1016.35504,"end":1024.22,"sentiment":"neutral","sentiment_score":-0.10057952791890677},{"text":"Or Yep.","start":1024.22,"end":1030.795,"sentiment":"neutral","sentiment_score":0.011505013331770897},{"text":"That's fine.","start":1030.795,"end":1031.515,"sentiment":"neutral","sentiment_score":0.113892313092947}],"sentiment":"neutral","sentiment_score":0.04416089540436154,"num_words":63,"start":1008.515,"end":1031.515},{"sentences":[{"text":"And in regards to borrowed money, would you ever put borrowed money into anything other than property?","start":1031.515,"end":1035.775,"sentiment":"neutral","sentiment_score":-0.009377043639474055},{"text":"If circumstances were different, would you ever borrow to have, like, investments and things like that?","start":1036.155,"end":1040.415,"sentiment":"neutral","sentiment_score":-0.03328823554329574},{"text":"Yeah.","start":1046.01,"end":1046.3301,"sentiment":"neutral","sentiment_score":-0.012582546100020409},{"text":"No.","start":1046.3301,"end":1046.5701,"sentiment":"neutral","sentiment_score":-0.0390743762254715},{"text":"That's fine.","start":1046.5701,"end":1047.31,"sentiment":"neutral","sentiment_score":0.030448717065155506}],"sentiment":"neutral","sentiment_score":-0.018453540506999235,"num_words":37,"start":1031.515,"end":1047.31},{"sentences":[{"text":"So that does bring out as a growth investor there, which is about an eighty twenty split.","start":1048.0901,"end":1052.73,"sentiment":"neutral","sentiment_score":0.041386577026808966},{"text":"Now currently, you're in the high growth, which is about a ninety ten split of growth assets to defensive assets.","start":1052.73,"end":1058.485,"sentiment":"neutral","sentiment_score":0.026998450234532356},{"text":"Now with that, you can obviously if you plan on sort of working for another ten plus years, you can afford to still take on that level of higher risk with the high growth with a ninety ten split and then sort of maintaining that to try and get a little bit more growth over the longer term period out of your superannuation, if that makes sense.","start":1059.185,"end":1077.42,"sentiment":"neutral","sentiment_score":0.02914758271245814},{"text":"Yep.","start":1079.4801,"end":1079.9801,"sentiment":"neutral","sentiment_score":0.11418424546718596},{"text":"Yeah.","start":1097.4299,"end":1097.59,"sentiment":"neutral","sentiment_score":0.011024817824363708}],"sentiment":"neutral","sentiment_score":0.03133620678464759,"num_words":106,"start":1048.0901,"end":1097.59},{"sentences":[{"text":"No.","start":1097.59,"end":1097.83,"sentiment":"neutral","sentiment_score":-0.011388283222913742},{"text":"That's perfectly fine.","start":1097.83,"end":1099.0499,"sentiment":"neutral","sentiment_score":0.12219373881816864},{"text":"And are you still comfortable with that high growth portfolio?","start":1100.15,"end":1103.45,"sentiment":"neutral","sentiment_score":0.06443634182214737},{"text":"Or like a high growth investment option at the moment there?","start":1103.59,"end":1106.97,"sentiment":"neutral","sentiment_score":0.0500512421131134},{"text":"Perfect.","start":1110.945,"end":1111.445,"sentiment":"positive","sentiment_score":0.5978807210922241}],"sentiment":"neutral","sentiment_score":0.08261541291498221,"num_words":26,"start":1097.59,"end":1111.445},{"sentences":[{"text":"Now in regards to your investments, now as I said, and I'm not too sure from who you've spoken to previously before our discussion there, but you recently had quite a dip, not only just due to the wall, but because you had a Ben Long Australian equities fund in there for about 30% of your portfolio.","start":1112.385,"end":1128.75,"sentiment":"neutral","sentiment_score":-0.1172293271673353},{"text":"Now with that one and the markets and what did happen, they basically had an underlying asset that was done for not reporting correctly.","start":1128.81,"end":1137.365,"sentiment":"negative","sentiment_score":-0.33899374678730965},{"text":"So as a result of that one, it had to like, a market correction with having to reevaluate that stock and then the fund itself and then people, like, pulling some money out of that fund.","start":1137.365,"end":1146.825,"sentiment":"negative","sentiment_score":-0.39268708974123},{"text":"Now as an Oakview business decision, they did switch that investment out for an alternative index option, which is passive in nature, so you don't have the risk of a manager picking and choosing winners.","start":1147.045,"end":1159.81,"sentiment":"neutral","sentiment_score":0.0824875846505165},{"text":"And then with that there, your portfolio has moved to a more passive approach and a cheaper ongoing cost.","start":1159.81,"end":1166.555,"sentiment":"neutral","sentiment_score":0.1990184862362711}],"sentiment":"neutral","sentiment_score":-0.13032888947871693,"num_words":171,"start":1112.385,"end":1166.555},{"sentences":[{"text":"Now they did that record advice and that change for that singular asset.","start":1167.495,"end":1171.895,"sentiment":"neutral","sentiment_score":0.1739648569088716},{"text":"Now with that, you do hold quite the holdings in regards to the Australian equities.","start":1171.895,"end":1177.97,"sentiment":"neutral","sentiment_score":0.15351326018571854},{"text":"So you have about 40% in that Australian 200, which is quite high.","start":1177.97,"end":1181.83,"sentiment":"neutral","sentiment_score":0.20075230529675117},{"text":"It is obviously one of the indexes, so it just tracks what the markets are doing at the end of the day.","start":1181.97,"end":1186.71,"sentiment":"neutral","sentiment_score":0.0705126454545693},{"text":"But if that market's not performing to to crash hot, it does mean you do have 40% in that, and it does sort of reduce your diversification down a little 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okay.","start":1217.92,"end":1223.795,"sentiment":"neutral","sentiment_score":0.03700795955955982},{"text":"Yeah.","start":1223.795,"end":1223.9551,"sentiment":"neutral","sentiment_score":-0.01989762857556343},{"text":"Obviously, at any point, you can review that as long as you are aware that you do have about 40% in that Australian 200 investment.","start":1223.9551,"end":1230.295,"sentiment":"neutral","sentiment_score":0.09662888750433922}],"sentiment":"neutral","sentiment_score":0.037863113364757416,"num_words":91,"start":1195.105,"end":1230.295},{"sentences":[{"text":"You can log on and have a look at your investments and see how comfortable you are with that and about 50% across international equities.","start":1231.01,"end":1238.2899,"sentiment":"neutral","sentiment_score":0.22108304619789124},{"text":"And then you have some gold in there as well and a little bit of, like, cash holdings.","start":1238.2899,"end":1243.4299,"sentiment":"neutral","sentiment_score":0.11601637614270051},{"text":"But if the Australian markets do great, then fantastic.","start":1243.8899,"end":1246.915,"sentiment":"positive","sentiment_score":0.5144824004835553},{"text":"Your portfolio does great.","start":1246.9751,"end":1248.495,"sentiment":"positive","sentiment_score":0.6946112215518951},{"text":"If the Australian market doesn't do too crash hot, then it will sort of impact your performance there, and then we can review it at any time.","start":1248.495,"end":1256.895,"sentiment":"neutral","sentiment_score":0.002398972158078794}],"sentiment":"neutral","sentiment_score":0.18179433330534453,"num_words":83,"start":1231.01,"end":1256.895},{"sentences":[{"text":"So if you see from three to six months from now that your portfolio is not performing how you'd like it to, we can always review it at any point from that as well, if that makes sense.","start":1256.895,"end":1268.4199,"sentiment":"neutral","sentiment_score":-0.02040630946622083},{"text":"Did you want, like, a a six month follow-up to just see how things are tracking there?","start":1268.7999,"end":1273.665,"sentiment":"neutral","sentiment_score":0.03328262422891224},{"text":"Yes.","start":1279.025,"end":1279.265,"sentiment":"neutral","sentiment_score":0.07654930651187897},{"text":"I have sent that off, so that should come through to you.","start":1279.265,"end":1282.245,"sentiment":"neutral","sentiment_score":0.08670189914604028},{"text":"Yeah.","start":1282.4651,"end":1282.785,"sentiment":"neutral","sentiment_score":0.2341558933258057}],"sentiment":"neutral","sentiment_score":0.016543374518337456,"num_words":69,"start":1256.895,"end":1282.785},{"sentences":[{"text":"It should be in your email inbox.","start":1282.785,"end":1284.405,"sentiment":"neutral","sentiment_score":0.257070569055421},{"text":"Obviously, in regards to performance, it's down, like, 4% for the year.","start":1284.785,"end":1288.61,"sentiment":"neutral","sentiment_score":-0.03673734275313715},{"text":"Now majority of that did come because you had 30% in that bet along, but you'll be able to see on that too that has been sold and switched down to that Australian two hundred.","start":1288.61,"end":1297.19,"sentiment":"neutral","sentiment_score":0.07388144305774144},{"text":"So you won't hold any bet along moving forward, and then that's just from the investment committee making that recorded advice change there for you for your account.","start":1297.25,"end":1305.245,"sentiment":"neutral","sentiment_score":0.0009621243724333388},{"text":"If we sort of do six month follow-up from now and you're not still happy with how things are moving with that change that from that switch for Bennelong, then obviously, we can review that portfolio if you're a bit busy now and focused on work.","start":1305.945,"end":1317.63,"sentiment":"neutral","sentiment_score":-0.1581354045673557}],"sentiment":"neutral","sentiment_score":-0.025803068361710757,"num_words":128,"start":1282.785,"end":1317.63},{"sentences":[{"text":"Okay.","start":1322.83,"end":1323.15,"sentiment":"neutral","sentiment_score":0.14893686771392822},{"text":"Not a problem.","start":1323.15,"end":1323.97,"sentiment":"neutral","sentiment_score":0.12670529067205885},{"text":"But in regards to everything we have discussed there, Ash, is there any concerns, questions, or anything else you wanted to touch on a little bit more from the conversation?","start":1324.27,"end":1331.89,"sentiment":"neutral","sentiment_score":0.07685351048906644},{"text":"Yeah.","start":1336.095,"end":1336.495,"sentiment":"neutral","sentiment_score":0.23476047813892365},{"text":"That's not a problem.","start":1336.495,"end":1337.215,"sentiment":"positive","sentiment_score":0.44355450570583344}],"sentiment":"neutral","sentiment_score":0.12419580911190654,"num_words":39,"start":1322.83,"end":1337.215},{"sentences":[{"text":"If you do read through that and do you have any questions and wanna reach out, that's more than fine.","start":1337.215,"end":1340.995,"sentiment":"positive","sentiment_score":0.5008258849382401},{"text":"Obviously, in regards to that, I'll chuck you down for that six month follow-up there.","start":1341.695,"end":1345.2,"sentiment":"neutral","sentiment_score":0.06156617229183515},{"text":"Someone might follow you up in just regard to that DocuSign just because if you're not an ongoing client and still when if you don't have that ongoing service agreement.","start":1345.5199,"end":1353.0599,"sentiment":"neutral","sentiment_score":0.0426776384934783},{"text":"But otherwise, then we'll sort of be touching base on that six month mark to go over everything if you wanna leave it alone as is for now.","start":1353.6799,"end":1360.995,"sentiment":"neutral","sentiment_score":0.08928368440163988},{"text":"Yeah.","start":1362.755,"end":1362.995,"sentiment":"neutral","sentiment_score":0.11986155062913896}],"sentiment":"neutral","sentiment_score":0.15787387395555036,"num_words":94,"start":1337.215,"end":1362.995},{"sentences":[{"text":"And then sort of given that six month mark anyway, given that you have been on board since, like, 2022, it's probably a good idea just to do a review of things anyway just given your time on board and probably just see if anything does need updating.","start":1362.995,"end":1375.47,"sentiment":"neutral","sentiment_score":0.11278515941618632},{"text":"But, obviously, if you're you're right into your planning at the the moment, then you're probably a little bit busy and don't have the the time to do all this, which is more than fine there as well.","start":1375.47,"end":1385.81,"sentiment":"neutral","sentiment_score":-0.11562010606652812},{"text":"Too easy, Ash.","start":1389.485,"end":1390.285,"sentiment":"neutral","sentiment_score":0.11172931889692943},{"text":"If you don't have any questions for me now, I'll email off that lawyer information for you to have a look at, and I'll just see if there's any other outstanding requirements on your account.","start":1390.285,"end":1399.71,"sentiment":"neutral","sentiment_score":0.056308638730219435},{"text":"I believe everything else is up to date.","start":1399.71,"end":1401.95,"sentiment":"neutral","sentiment_score":0.030644847080111504}],"sentiment":"neutral","sentiment_score":0.027055096290441172,"num_words":132,"start":1362.995,"end":1401.95},{"sentences":[{"text":"Your ID will expire, the one we've got on file at the end of the year, so they'll probably chase you up sort of towards the end of the year, start of next year to get that ID updated, but I think that's probably about it.","start":1401.95,"end":1411.33,"sentiment":"neutral","sentiment_score":-0.032758370568246944},{"text":"Not a problem at all, Ash.","start":1414.1749,"end":1415.455,"sentiment":"neutral","sentiment_score":0.2462646539012591},{"text":"Well, I'll let you get back to it.","start":1415.455,"end":1417.615,"sentiment":"neutral","sentiment_score":0.1616750741377473},{"text":"If you do have any questions in regards to contributions and things like that, obviously, you can reach out to your accountant.","start":1417.615,"end":1422.515,"sentiment":"neutral","sentiment_score":0.1433619965206493},{"text":"If you do want some just general queries and things like that, we're happy to answer some questions or if you need your contribution details for that as well.","start":1422.575,"end":1430.823,"sentiment":"neutral","sentiment_score":0.22078278044174457}],"sentiment":"neutral","sentiment_score":0.0974843966363518,"num_words":111,"start":1401.95,"end":1430.823},{"sentences":[{"text":"Too easy, Ash.","start":1433.143,"end":1433.863,"sentiment":"positive","sentiment_score":0.5398098429044088},{"text":"Well, you enjoy the rest of your your Avo.","start":1433.863,"end":1435.623,"sentiment":"positive","sentiment_score":0.7747201654646132},{"text":"Take it easy out there.","start":1435.623,"end":1436.843,"sentiment":"positive","sentiment_score":0.7146593332290649},{"text":"Cheers.","start":1439.223,"end":1439.703,"sentiment":"positive","sentiment_score":0.6596308350563049},{"text":"Bye.","start":1439.703,"end":1440.203,"sentiment":"positive","sentiment_score":0.3800009191036224}],"sentiment":"positive","sentiment_score":0.6949915493789472,"num_words":19,"start":1433.143,"end":1440.203}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello? Hi. Good night. Hey. Hey. Yep. 7th Of 5th 72. And 23 4th Avenue, Home Hill 4806. Yep. No. I'm not really in this guy. Goddamn. They're gonna make a rise, so I'll I'll let you know. Yeah. Yep. Yep. Yep. Yep. Not. Yep. Yep. No. No. No. I'll have to sit down and read through it. Yeah. Vicky, was it? Yep. Yep. She gets my emails, and I haven't I haven't got an on the semi phone, but yeah. Yep. No. I work for myself now. You wouldn't see not nothing coming in. I work for myself. Yeah. I'm a contractor. Yeah. It's all to do with sugarcane. Yeah. Yeah. I I have a harvesting contract and a planning contract. We plant sugarcane as well. Yep. A little bit. Vicky does most of that. No. It's just yeah. Just trying on the line. I Be nearly got on a year. When I was well, I just owe for myself. Oh, yeah. Since about 1999. Yeah. No. It's all over the shop at the moment. Yeah. Hard to say. We've only just started our planning thing at the moment. It's all been too wet. So we've only just started today, but I do oh, plus maintenance and all the gear as well. General maintenance there on the harvester and the haul outs and everything else. Oh, yeah. Yeah. Evening. Yeah. We just go till it rains, sort of thing. Last core last six months, I think it was a 110,000. Yeah. So half a year. Yep. Yep. Yep. Yep. Should be. Yeah. $2.20 per year minimum. Yeah. Yeah. And I'll put expenses on top. Yeah. No. Not really. No. It's all over because, yeah, we haven't had an income for for a while now. Oh, we get bits and pieces. Yes. You'd have to get the whole year and average it out. Oh, we will be eventually, but, yeah, we're just sorting everything out at the moment. Oh, baths and everything. Yeah. Yeah. We have accounting Plus, oh, my wife does the baths, and we got a bookkeeper that helps her with that. Yeah. Roughly. 80,000 on it. 80,000 was yeah. Yeah. Basically, the same ones. Probably got a couple extra trucks. Yeah. I think I need the plan as about 20 thousand. Yeah. It's been paid off for a while. Yeah. Yeah. Yep. Yeah. About, probably 17,000. 17,000 in debt. No. Credit card. Yeah. Yeah. Mainly business. Yeah. We we pay extra on our home loan. Yeah. Yeah. It's extra we pay. That's right. Yeah. Not that I know of. No. Yep. No. No. Yeah. No. No. It's everything's fine. No. No. No. No. I haven't. Yes. No. Not at the moment. Play house off. Probably gonna build a shed and yeah. Yeah. Yeah. No. That's alright. Because if anything happens, all work cover and that sort sort that. Yeah. Yeah. You go. Yeah. You have to. Yeah. Yep. Not. Yeah. Be a pretty good chance. Yeah. I think so For a few more years. Yeah. Normally, they go to about 60, don't they? Yep. Yes. Yep. Yeah. K. Well, I don't think the war had too much with it last year. Something happened this year. Okay. It's what it is. Right? Yeah. No. That's fine. Yeah. Yeah. Not much we can do about it. Probably in the business, I would, but not at the moment. I'll do it again. Alright. Okay. Oh, so I I had to change a plan. Yeah. Yeah. Yeah. I've been for a couple more years. Yeah. I know. Yep. Yeah. Yep. Yep. Yep. No. I just yeah. I'll just leave it there for now, I think. Yeah. Yep. Yep. Yeah. I think so. I do a six month thing, and I'll get you to email them things so I can look at them. Alright. Okay. Cool. Yep. Yep. Yep. That'll be a good idea. Yeah. I'd have to I'd have to sit and have a look at it all, I think. Yep. Yep. Yes. Alright. Yeah. Yep. Yep. Yep. Oh, that's fine. That'll be good. Yep. Yep. Yep. Yep. Yeah. Yeah. No. That'll be great. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello?\n\nHi. Good night. Hey. Hey. Yep.\n\n7th Of 5th 72. And 23 4th Avenue, Home Hill 4806. Yep. No. I'm not really in this guy.\n\nGoddamn. They're gonna make a rise, so I'll I'll let you know. Yeah. Yep. Yep.\n\nYep. Yep. Not. Yep. Yep.\n\nNo. No. No. I'll have to sit down and read through it. Yeah.\n\nVicky, was it? Yep. Yep. She gets my emails, and I haven't I haven't got an on the semi phone, but yeah. Yep.\n\nNo. I work for myself now. You wouldn't see not nothing coming in. I work for myself. Yeah.\n\nI'm a contractor. Yeah. It's all to do with sugarcane. Yeah. Yeah.\n\nI I have a harvesting contract and a planning contract. We plant sugarcane as well. Yep. A little bit. Vicky does most of that.\n\nNo. It's just yeah. Just trying on the line. I Be nearly got on a year. When I was well, I just owe for myself.\n\nOh, yeah. Since about 1999. Yeah. No. It's all over the shop at the moment.\n\nYeah. Hard to say. We've only just started our planning thing at the moment. It's all been too wet. So we've only just started today, but I do oh, plus maintenance and all the gear as well.\n\nGeneral maintenance there on the harvester and the haul outs and everything else. Oh, yeah. Yeah. Evening. Yeah.\n\nWe just go till it rains, sort of thing. Last core last six months, I think it was a 110,000. Yeah. So half a year. Yep.\n\nYep. Yep. Yep. Should be. Yeah.\n\n$2.20 per year minimum. Yeah. Yeah. And I'll put expenses on top. Yeah.\n\nNo. Not really. No. It's all over because, yeah, we haven't had an income for for a while now. Oh, we get bits and pieces.\n\nYes. You'd have to get the whole year and average it out. Oh, we will be eventually, but, yeah, we're just sorting everything out at the moment. Oh, baths and everything. Yeah.\n\nYeah. We have accounting Plus, oh, my wife does the baths, and we got a bookkeeper that helps her with that. Yeah. Roughly. 80,000 on it.\n\n80,000 was yeah. Yeah. Basically, the same ones. Probably got a couple extra trucks. Yeah.\n\nI think I need the plan as about 20 thousand. Yeah. It's been paid off for a while. Yeah. Yeah.\n\nYep. Yeah. About, probably 17,000. 17,000 in debt. No.\n\nCredit card. Yeah. Yeah. Mainly business. Yeah.\n\nWe we pay extra on our home loan. Yeah. Yeah. It's extra we pay. That's right.\n\nYeah. Not that I know of. No. Yep. No.\n\nNo. Yeah. No. No. It's everything's fine.\n\nNo. No. No. No. I haven't.\n\nYes. No. Not at the moment. Play house off. Probably gonna build a shed and yeah.\n\nYeah. Yeah. No. That's alright. Because if anything happens, all work cover and that sort sort that.\n\nYeah. Yeah. You go. Yeah. You have to.\n\nYeah. Yep. Not. Yeah. Be a pretty good chance.\n\nYeah. I think so For a few more years. Yeah. Normally, they go to about 60, don't they? Yep.\n\nYes. Yep. Yeah. K. Well, I don't think the war had too much with it last year.\n\nSomething happened this year. Okay. It's what it is. Right? Yeah.\n\nNo. That's fine. Yeah. Yeah. Not much we can do about it.\n\nProbably in the business, I would, but not at the moment. I'll do it again. Alright. Okay. Oh, so I I had to change a plan.\n\nYeah. Yeah. Yeah. I've been for a couple more years. Yeah.\n\nI know. Yep. Yeah. Yep. Yep.\n\nYep. No. I just yeah. I'll just leave it there for now, I think. Yeah.\n\nYep. Yep. Yeah. I think so. I do a six month thing, and I'll get you to email them things so I can look at them.\n\nAlright. Okay. Cool. Yep. Yep.\n\nYep. That'll be a good idea. Yeah. I'd have to I'd have to sit and have a look at it all, I think. Yep.\n\nYep. Yes. Alright. Yeah. Yep.\n\nYep. Yep. Oh, that's fine. That'll be good. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nNo. That'll be great. Alright.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.05807805806398392},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.9,"sentiment":"neutral","sentiment_score":0.03729123983066529},{"text":"Thanks.","start":16.575,"end":17.075,"sentiment":"positive","sentiment_score":0.4558501839637756},{"text":"Please stay on the line.","start":17.135,"end":18.595001,"sentiment":"neutral","sentiment_score":0.22300585508346557},{"text":"Hello?","start":40.055,"end":40.555,"sentiment":"neutral","sentiment_score":0.13862769305706024}],"sentiment":"neutral","sentiment_score":0.09851021032469968,"num_words":24,"start":0.16,"end":40.555},{"sentences":[{"text":"Hi.","start":44.215,"end":44.535,"sentiment":"neutral","sentiment_score":0.19861441850662231},{"text":"Good 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of.","start":715.935,"end":716.975,"sentiment":"neutral","sentiment_score":-0.10277281403541565},{"text":"No.","start":716.975,"end":717.475,"sentiment":"neutral","sentiment_score":-0.012747805565595629},{"text":"Yep.","start":726.08,"end":726.58,"sentiment":"neutral","sentiment_score":0.03678057715296745},{"text":"No.","start":731.76,"end":732.16003,"sentiment":"neutral","sentiment_score":-0.16258227825164795}],"sentiment":"neutral","sentiment_score":-0.06374517248736487,"num_words":9,"start":701.22003,"end":732.16003},{"sentences":[{"text":"No.","start":732.16003,"end":732.66003,"sentiment":"neutral","sentiment_score":-0.09292496740818024},{"text":"Yeah.","start":742.39496,"end":742.795,"sentiment":"neutral","sentiment_score":0.0007453877478837967},{"text":"No.","start":742.795,"end":743.035,"sentiment":"neutral","sentiment_score":-0.08034206181764603},{"text":"No.","start":743.035,"end":743.27496,"sentiment":"neutral","sentiment_score":-0.03677622601389885},{"text":"It's everything's fine.","start":743.27496,"end":744.57495,"sentiment":"neutral","sentiment_score":0.20683466891447702}],"sentiment":"neutral","sentiment_score":0.05874373417879854,"num_words":7,"start":732.16003,"end":744.57495},{"sentences":[{"text":"No.","start":748.475,"end":748.975,"sentiment":"neutral","sentiment_score":0.01815941371023655},{"text":"No.","start":754.15,"end":754.65,"sentiment":"neutral","sentiment_score":-0.025561710819602013},{"text":"No.","start":765.365,"end":765.685,"sentiment":"neutral","sentiment_score":-0.08611126244068146},{"text":"No.","start":765.685,"end":765.925,"sentiment":"neutral","sentiment_score":-0.1052996814250946},{"text":"I 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yeah.","start":827.27496,"end":829.535,"sentiment":"neutral","sentiment_score":-0.006634001220975604}],"sentiment":"neutral","sentiment_score":-0.04634317895397544,"num_words":16,"start":796.785,"end":829.535},{"sentences":[{"text":"Yeah.","start":838.09,"end":838.59,"sentiment":"neutral","sentiment_score":0.0128715168684721},{"text":"Yeah.","start":850.01495,"end":850.095,"sentiment":"neutral","sentiment_score":-0.04013148322701454},{"text":"No.","start":850.095,"end":850.375,"sentiment":"neutral","sentiment_score":-0.10337315499782562},{"text":"That's alright.","start":850.375,"end":851.055,"sentiment":"neutral","sentiment_score":-0.043688285164535046},{"text":"Because if anything happens, all work cover and that sort sort that.","start":851.055,"end":856.755,"sentiment":"neutral","sentiment_score":-0.05623970987896124}],"sentiment":"neutral","sentiment_score":-0.052522718248998415,"num_words":17,"start":838.09,"end":856.755},{"sentences":[{"text":"Yeah.","start":862.57495,"end":862.89496,"sentiment":"neutral","sentiment_score":0.008739055134356022},{"text":"Yeah.","start":862.89496,"end":863.135,"sentiment":"neutral","sentiment_score":0.01832740381360054},{"text":"You go.","start":863.135,"end":863.875,"sentiment":"neutral","sentiment_score":0.010777544230222702},{"text":"Yeah.","start":864.77,"end":865.09,"sentiment":"neutral","sentiment_score":0.016514001414179802},{"text":"You have 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chance.","start":916.625,"end":918.085,"sentiment":"neutral","sentiment_score":0.2377878874540329}],"sentiment":"neutral","sentiment_score":0.14741365487376848,"num_words":9,"start":870.85004,"end":918.085},{"sentences":[{"text":"Yeah.","start":933.08,"end":933.4,"sentiment":"neutral","sentiment_score":0.003159808926284313},{"text":"I think so For a few more years.","start":933.4,"end":935.40497,"sentiment":"neutral","sentiment_score":0.002494662650860846},{"text":"Yeah.","start":935.40497,"end":935.805,"sentiment":"neutral","sentiment_score":0.007346405647695064},{"text":"Normally, they go to about 60, don't 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is.","start":995.29504,"end":996.17505,"sentiment":"neutral","sentiment_score":0.07057161163538694},{"text":"Right?","start":996.17505,"end":996.67505,"sentiment":"neutral","sentiment_score":0.05791270732879639},{"text":"Yeah.","start":1003.85504,"end":1004.17505,"sentiment":"neutral","sentiment_score":0.10899698734283449}],"sentiment":"neutral","sentiment_score":0.004672706973823635,"num_words":11,"start":992.015,"end":1004.17505},{"sentences":[{"text":"No.","start":1004.17505,"end":1004.41504,"sentiment":"neutral","sentiment_score":0.08569478243589401},{"text":"That's fine.","start":1004.41504,"end":1005.315,"sentiment":"neutral","sentiment_score":0.2934417724609375},{"text":"Yeah.","start":1026.125,"end":1026.2849,"sentiment":"neutral","sentiment_score":-0.05914877355098725},{"text":"Yeah.","start":1026.2849,"end":1026.7849,"sentiment":"neutral","sentiment_score":-0.10006410628557204},{"text":"Not much we can do about 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know.","start":1109.375,"end":1109.9551,"sentiment":"neutral","sentiment_score":0.24446700513362885},{"text":"Yep.","start":1167.8201,"end":1168.3201,"sentiment":"neutral","sentiment_score":0.20212873816490173},{"text":"Yeah.","start":1213.165,"end":1213.325,"sentiment":"neutral","sentiment_score":0.0995301604270935},{"text":"Yep.","start":1213.325,"end":1213.725,"sentiment":"neutral","sentiment_score":0.09599094837903976},{"text":"Yep.","start":1213.725,"end":1213.965,"sentiment":"neutral","sentiment_score":0.11534835398197174}],"sentiment":"neutral","sentiment_score":0.16698870187004408,"num_words":6,"start":1109.375,"end":1213.965},{"sentences":[{"text":"Yep.","start":1213.965,"end":1214.465,"sentiment":"neutral","sentiment_score":0.1416677683591843},{"text":"No.","start":1219.245,"end":1219.485,"sentiment":"neutral","sentiment_score":-0.0947638899087906},{"text":"I just yeah.","start":1219.485,"end":1220.285,"sentiment":"neutral","sentiment_score":-0.054136874775091805},{"text":"I'll just leave it there for now, I think.","start":1220.285,"end":1222.225,"sentiment":"neutral","sentiment_score":0.0377137229208731},{"text":"Yeah.","start":1258.39,"end":1258.89,"sentiment":"neutral","sentiment_score":-0.0367325022816658}],"sentiment":"neutral","sentiment_score":0.012478950542087357,"num_words":15,"start":1213.965,"end":1258.89},{"sentences":[{"text":"Yep.","start":1265.99,"end":1266.3099,"sentiment":"neutral","sentiment_score":0.04805614799261093},{"text":"Yep.","start":1266.3099,"end":1266.8099,"sentiment":"neutral","sentiment_score":0.07781612128019333},{"text":"Yeah.","start":1272.525,"end":1272.9249,"sentiment":"neutral","sentiment_score":0.03353287652134895},{"text":"I think so.","start":1272.9249,"end":1273.605,"sentiment":"neutral","sentiment_score":0.028156494721770287},{"text":"I do a six month thing, and I'll get you to email them things so I can look at 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be a good idea.","start":1320.63,"end":1321.75,"sentiment":"positive","sentiment_score":0.5284356832504272},{"text":"Yeah.","start":1321.75,"end":1322.115,"sentiment":"neutral","sentiment_score":0.16501164436340332},{"text":"I'd have to I'd have to sit and have a look at it all, I 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that's fine.","start":1387.0851,"end":1387.9651,"sentiment":"neutral","sentiment_score":0.30206650495529175},{"text":"That'll be 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If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Good afternoon, Ashley. It's Carl calling from Oakview Financial in regards to your scheduled booking.\n\nChannel 1: Thanks. Please stay on the line. Hello?\n\nChannel 0: Good afternoon, Ashley. It's Kyle. How are you today?\n\nChannel 1: Hi. Good night. Hey. Hey.\n\nChannel 0: Yeah. Not too bad at all. Thank you for asking. I just scheduled in for you and your review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Not a problem at all. Just to get started on that one, if I could just pass you through security with that name, date of birth, and kinda just we can get stuck into that one today.\n\nChannel 1: 7th Of 5th 72. And 23 4th Avenue, Home Hill 4806.\n\nChannel 0: Perfect. Perfect. Thanks for that one there, Ashley. I definitely know these calls are recorded for quality and training purposes there as well.\n\nChannel 1: Yep.\n\nChannel 0: And just in regards to everything there, Ashley, just because it has been a while since you've been able to speak to us there. Do you have any questions before we get started there today?\n\nChannel 1: No. I'm not really in this guy. Goddamn. They're gonna make a rise, so I'll I'll let you know.\n\nChannel 0: Okay. Not a problem at all. So what we'll do there today, and I've done a few of these before, we'll just go through and update the fact find, do a quick risk profile, and then I'll send out some documents there. It sounds like you are on the road or something, so don't feel like you have to open them. You can just sort of review them when you get home there\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: No problem. So we'll send out that annual review pack now, though. So we'll be going to ashsmith7572@hotmail.com.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So with that one there, the two signable documents will be your ongoing service agreement if you were still happy to stay on board as a client. Your current, like, agreement has lapsed there, so you're not getting charged a fee currently. So this would just be to turn it back on for you to be our main client. We'd hope you sort of in line with your previous advice and then sort of any advice that sort of does come from this call or in future.\n\nChannel 1: Yep.\n\nChannel 0: In addition to that one there, you'll have a Vanguard index chart, a summary of just your superannuation there because you don't have any insurances there currently. In addition\n\nChannel 1: Not.\n\nChannel 0: to that, yeah, you'll also have the Oakview updated financial services guide and Oakview services guide there as well. So once you do get a chance there to review that one, if you were happy with the service and happy to stay on, it outlines the potential fee you'll pay for the next twelve months in regards to that in your balance, which is something\n\nChannel 1: Yep.\n\nChannel 0: to be mindful of when reviewing that. It'll give you, like, the estimated sort of monthly figure, which given your account is quite high there. So it'll be around the $550 as, like, a monthly basis because there's a percentage based fee.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So you'll be able to review those when you get home there. But do you have any questions in regards to those documents or what's being sent out there today?\n\nChannel 1: No. No. No. I'll have to sit down and read through it. Yeah.\n\nChannel 0: Yeah. It's not a problem at all. So what we'll do now that Ashley was we'll just go through and update all your details, make sure that's all still up to date and correct there. So address doesn't change. That's great.\n\nEmail's the same. I've got Vicky down here as your Nextiva King contact. Is that still correct?\n\nChannel 1: Vicky, was it?\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. We don't actually have a number or anything, though, in the event that we couldn't reach you. Did you wanna put down, like, a number or an email\n\nChannel 1: She\n\nChannel 0: that would\n\nChannel 1: gets my emails, and I haven't I haven't got an on the semi phone, but yeah.\n\nChannel 0: that's probably fine. They're not provided. They might ask you at a later date just as regards\n\nChannel 1: Yep.\n\nChannel 0: to contact. It's only event that we couldn't reach you there, so that's fine. As far as your your job there, I know you were the farm manager. Is that still currently what you're doing?\n\nChannel 1: No. I work for myself now.\n\nChannel 0: Okay. And what are you doing at the moment?\n\nChannel 1: You wouldn't see not nothing coming in.\n\nChannel 0: In terms of\n\nChannel 1: I\n\nChannel 0: contributions?\n\nChannel 1: work for myself.\n\nChannel 0: Because you're a sole sole\n\nChannel 1: Yeah.\n\nChannel 0: trader.\n\nChannel 1: I'm a contractor. Yeah.\n\nChannel 0: Yeah. And is that still doing farm work?\n\nChannel 1: It's all to do with sugarcane. Yeah. Yeah. I I have a harvesting contract and a planning contract.\n\nChannel 0: Yeah. And with the planning contract, what does that entail? Sorry.\n\nChannel 1: We plant sugarcane as well.\n\nChannel 0: Oh, planting. Sorry. I thought you said planning. That's my bad. I just didn't hear you correctly.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem. And then with that one there, now that you're doing your sole trader work, are you sort of in the office a little bit as well? Sort of how much in the office work are you doing versus, like, out in the field work?\n\nChannel 1: A little bit. Vicky does most of that.\n\nChannel 0: Yep. Not a problem. And then within regards to your name of your business, do you have a name for that yet?\n\nChannel 1: No. It's just yeah. Just trying on the line. I\n\nChannel 0: Yeah. Not a problem. And then as far as in the time since you've been doing the sole trader business, how long have you been doing that versus, like, your industry\n\nChannel 1: Be nearly got on a year.\n\nChannel 0: experience? Yep. And how long have you been doing, like, the farming work? Sorry. If you don't mind me asking, Ash.\n\nChannel 1: When I was well, I just owe for myself. Oh,\n\nChannel 0: Just as, like, industry whole, like, as in, like, how long have you been doing pharma?\n\nChannel 1: yeah. Since about 1999.\n\nChannel 0: Yep. So definitely a bit of time under your belt.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And then as far as the hours you're doing at the moment, do you know roughly sort of each week what you're doing?\n\nChannel 1: No. It's all over the shop at the moment. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Hard to say. We've only just started our planning thing at the moment. It's all been too wet. So we've only just started today, but I do oh, plus maintenance and all the gear as well.\n\nChannel 0: Okay. So you do, like, your harvesting, planting, and, like, general maintenance, farm maintenance?\n\nChannel 1: General maintenance there on the harvester and the haul outs and everything else.\n\nChannel 0: No problem. And when work's sort of, like, going well and you are in, like, the stages of, like, planting or harvesting and things like that, do you sort of are you doing bigger weeks? Is it between, like, the forty and sixty hours? Or do you sort\n\nChannel 1: Oh,\n\nChannel 0: of cut\n\nChannel 1: yeah. Yeah. Evening. Yeah. We just go till it rains, sort of thing.\n\nChannel 0: your cover? Not a problem. And then with that at the moment, do you know roughly sort of what you're bringing in annually as the sole trader expected to bring in annually?\n\nChannel 1: Last core last six months, I think it was a 110,000.\n\nChannel 0: Yep. And then with that sort of for the back end\n\nChannel 1: Yeah.\n\nChannel 0: of the\n\nChannel 1: So\n\nChannel 0: year, so\n\nChannel 1: half\n\nChannel 0: do you\n\nChannel 1: a year.\n\nChannel 0: rec so do you reckon you're expected to make that in, like, another six months as well, like, around the 200\n\nChannel 1: Yep.\n\nChannel 0: thousand will be\n\nChannel 1: Yep.\n\nChannel 0: your\n\nChannel 1: Yep.\n\nChannel 0: your annual income?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Should be. Yeah. $2.20 per year minimum.\n\nChannel 0: And is that like, obviously, as a sole trader, that's everything's income unless it's an expenditure. Is that sort of taking into account the expenses\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: going out?\n\nChannel 1: And I'll put expenses on top. Yeah.\n\nChannel 0: Yep. Do you know roughly what you'd sort of take home afterwards after the expenses are considered?\n\nChannel 1: No. Not really.\n\nChannel 0: Yeah. No. That's fine. And then as far as, like, your expenditure and savings per week at the moment there, Ash, do you know roughly what you're sort of putting in the bank versus what you're spending sort of each week?\n\nChannel 1: No. It's all over because, yeah, we haven't had an income for for a while now. Oh, we get bits and pieces. Yes. You'd have to get the whole year and average it out.\n\nChannel 0: Yeah. And do you plan on doing any contributions? Have you got an accountant that you work with that sort of\n\nChannel 1: Oh,\n\nChannel 0: will\n\nChannel 1: we\n\nChannel 0: be\n\nChannel 1: will be eventually, but, yeah, we're just sorting everything out at the moment.\n\nChannel 0: Yes. Not a problem. And do you have an account that's sort of doing everything in regards to, like, your past statements and everything like that?\n\nChannel 1: Oh, baths and everything. Yeah. Yeah. We have accounting Plus, oh, my wife does the baths, and we got a bookkeeper that helps her with that.\n\nChannel 0: Not a problem at all. And I'll just get some updated assets and liabilities there. So I know you had the house around $1.90. Is that sort of still roughly what it's worth?\n\nChannel 1: Yeah. Roughly.\n\nChannel 0: Yep. And do you know roughly what the the mortgage left owing on that one is?\n\nChannel 1: 80,000 on it. 80,000 was yeah.\n\nChannel 0: Yep. And then I know you had some work vehicles there totaling around a 100,000 sort of market. What sort of vehicles do you have at the moment?\n\nChannel 1: Yeah. Basically, the same ones. Probably got a couple extra trucks.\n\nChannel 0: Yep. And they also add up to around the $100,000 mark?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And then how much is left going on those at the moment?\n\nChannel 1: I think I need the plan as about 20\n\nChannel 0: Yep. And I know you had a harvest that was around 80 with a bit owing. Have you managed to pay that off?\n\nChannel 1: thousand. Yeah. It's been paid off for a while. Yeah.\n\nChannel 0: Perfect. And then as far as your own personal vehicles, I know you had a couple cars worth around 30,000 as a total.\n\nChannel 1: Yeah.\n\nChannel 0: Is that still about right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then in regards to your credit card, I know you had a a credit card that you sort of did accrue a bit of debt on, but managed to sort of paid down. Do you have any credit card debt at the moment?\n\nChannel 1: Yeah. About, probably 17,000.\n\nChannel 0: 70, was it? Sorry.\n\nChannel 1: 17,000 in debt.\n\nChannel 0: 17. And is that all on credit cards, or is that, like, a personal loan as well? Or\n\nChannel 1: No. Credit\n\nChannel 0: yep. And then with that, is that sort of you run everything through the business through\n\nChannel 1: card.\n\nChannel 0: that as well as sort of paying\n\nChannel 1: Yeah.\n\nChannel 0: it off? Or\n\nChannel 1: Yeah.\n\nChannel 0: yep.\n\nChannel 1: Mainly business.\n\nChannel 0: And do you have a bit of a savings account built up for a bit of a rainy day fund at the moment there?\n\nChannel 1: Yeah. We we pay extra on our home loan.\n\nChannel 0: Okay. Do you have an is that an offset or it's just all on the actual mortgage?\n\nChannel 1: Yeah. Yeah. It's extra we pay.\n\nChannel 0: Yeah. But that's not sitting in, like, an offset. It's, like, actually on the mortgage and, like, you can redraw it if you did want to?\n\nChannel 1: That's right. Yeah.\n\nChannel 0: Okay. No problem. Perfect. And then as far as these questions are a little bit random, but they've just been added there. Have you ever declared bankruptcy or a part nine debt agreement at all there, Ash?\n\nChannel 1: Not that I know of. No.\n\nChannel 0: Perfect. And then as far as a tax resident, you're only a tax resident in Australia. Correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And you're not involved in any sort of politics or any family in politics at all, are you?\n\nChannel 1: No. No.\n\nChannel 0: Perfect. And with regards to your health, I know you're a nonsmoker and didn't have any health issues there. Is that still largely been the same, though, unexpected hospital trips?\n\nChannel 1: Yeah. No. No. It's everything's fine.\n\nChannel 0: Perfect. No medications you're currently taking?\n\nChannel 1: No.\n\nChannel 0: Perfect. And do you hold private health cover at the moment, Dash?\n\nChannel 1: No.\n\nChannel 0: That's okay. And then with in regards to your state planning matters, have you managed to get a will sorted at all?\n\nChannel 1: No. No. I haven't.\n\nChannel 0: Yeah. No. It's fine. We can pass along some just local solicitors details here in regards to some information if you want that to have a look through in regards to their pricing and, like, just general information on wheels and estate planning. If you can have a read through that, just otherwise, you could find someone just local to yourself.\n\nEven if you sort of read through that, you don't have to go with this service there, a separate service to Oakview. It's just a a local solicitors where you can't obviously draw up wills.\n\nChannel 1: Yes.\n\nChannel 0: Yep. I'll get that emailed through to you. Now in regards to your goals and what you're trying to achieve at the moment there, I know you're potentially looking at reviewing your mortgage in a a few years once you paid down a little bit as well. And then you're also just sort of focusing on building up some money for retirement. Are there sort of still the goals you're working towards?\n\nIs there anything else you're working towards at the moment?\n\nChannel 1: No. Not at the moment. Play house off. Probably gonna build a shed and yeah.\n\nChannel 0: Yeah. So mainly build up the business, pay the house off, and build a shed?\n\nChannel 1: Yeah.\n\nChannel 0: And then in regards to insurances and you're not having any insurances, are you still comfortable not holding any life, TPD, IP, or\n\nChannel 1: Yeah. No.\n\nChannel 0: trauma?\n\nChannel 1: That's alright. Because if anything happens, all work cover and that sort sort that.\n\nChannel 0: Yeah. And do you still get work cover as a contractor or through do you\n\nChannel 1: Yeah.\n\nChannel 0: have insurances\n\nChannel 1: Yeah. You go.\n\nChannel 0: with your business? Yeah. Okay.\n\nChannel 1: Yeah. You have to.\n\nChannel 0: Perfect. Now here we go to the next bit\n\nChannel 1: Yeah.\n\nChannel 0: there. We'll just quickly run through a risk profile and make sure that that's up to date with what we've currently got you invested in there and see how that lines up.\n\nChannel 1: Yep.\n\nChannel 0: So bear with me. I'll just run through these questions once it loads up there for me. Perfect. Now I have here you've invested in direct shares previously. Did you used to have direct shares?\n\nChannel 1: Not.\n\nChannel 0: No. That's fine. And then with you being 55 now or turning 55, when do you sort of plan on accessing Super? Do you still plan on working to, like, the age of 67, or have you thought about and maybe\n\nChannel 1: Yeah.\n\nChannel 0: changed a bit?\n\nChannel 1: Be a pretty good chance.\n\nChannel 0: Yep. And then with inflation and the cost of living obviously going up and the level of risk to, like, obviously get returns within, like, superannuation, things like that, are you still willing to accept that higher amount of risk to outpace that inflation in regards to your investments?\n\nChannel 1: Yeah. I think so For a few more years. Yeah. Normally, they go to about 60, don't they?\n\nChannel 0: Yeah. Well, it just sort of depends on when you're planning on retire accessing the funds. So, obviously, as you get closer to the age of where you wanna draw the money at, you obviously wanna preserve your balance a bit more. While you're still, like, contributing and working, you can afford to take on a bit more risk. And then you sort of look at dialing it back as you get closer to retirement and wanting to draw\n\nChannel 1: Yep.\n\nChannel 0: down\n\nChannel 1: Yes.\n\nChannel 0: on the funds to reduce that volatility a bit. But if you plan on sort of working for over ten more years, you can still maintain that level of higher risk.\n\nChannel 1: Yep.\n\nChannel 0: Now if you did have a decrease by 20% just with what's going on, obviously, it's been a bit of a bad start in back end of last year in regards to war and everything that has occurred. New Super has taken quite a bit of a drop in regards to that one. Now if it was\n\nChannel 1: Yeah.\n\nChannel 0: to drop by, like, 20%, would that make you concerned? Would you wanna sort\n\nChannel 1: K.\n\nChannel 0: of shift to more defensive\n\nChannel 1: Well, I don't\n\nChannel 0: assets,\n\nChannel 1: think\n\nChannel 0: or\n\nChannel 1: the war\n\nChannel 0: would you\n\nChannel 1: had too much with it last year.\n\nChannel 0: Pardon?\n\nChannel 1: Something happened this year. Okay. It's what it is. Right?\n\nChannel 0: Yeah. And are you still happy, like, holding and waiting for it to come back and not sort of panic selling to anything? Yep.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Perfect. And then over the longer term, what you're trying to achieve in terms of your investments, obviously, bigger is better, so we'll keep that. Now with the drop there, did it does it make you kind of, like, concerned at all or quite cautious or you're pretty, you know, just it is what it is like you said? Or\n\nChannel 1: Yeah. Yeah. Not much we can do about it.\n\nChannel 0: Yep. That's fine. And in regards to borrowed money, would you ever put borrowed money into anything other than property? If circumstances were different, would you ever borrow to have, like, investments and things like that?\n\nChannel 1: Probably in the business, I would, but not at the moment.\n\nChannel 0: Yeah. No. That's fine. So that does bring out as a growth investor there, which is about an eighty twenty split. Now currently, you're in the high growth, which is about a ninety ten split of growth assets to defensive assets.\n\nNow with that, you can obviously if you plan on sort of working for another ten plus years, you can afford to still take on that level of higher risk with the high growth with a ninety ten split and then sort of maintaining that to try and get a little bit more growth over the longer term period out of your superannuation, if that makes sense. Yep.\n\nChannel 1: I'll do it again. Alright. Okay. Oh, so I I had to change a plan.\n\nChannel 0: Yeah. No. That's perfectly fine. And are you still comfortable with that high growth portfolio? Or like a high growth investment option at the moment\n\nChannel 1: Yeah.\n\nChannel 0: there?\n\nChannel 1: Yeah. Yeah. I've been for a couple more years. Yeah. I know.\n\nChannel 0: Perfect. Now in regards to your investments, now as I said, and I'm not too sure from who you've spoken to previously before our discussion there, but you recently had quite a dip, not only just due to the wall, but because you had a Ben Long Australian equities fund in there for about 30% of your portfolio. Now with that one and the markets and what did happen, they basically had an underlying asset that was done for not reporting correctly. So as a result of that one, it had to like, a market correction with having to reevaluate that stock and then the fund itself and then people, like, pulling some money out of that fund. Now as an Oakview business decision, they did switch that investment out for an alternative index option, which is passive in nature, so you don't have the risk of a manager picking and choosing winners.\n\nAnd then with that there, your portfolio has moved to a more passive approach and a cheaper ongoing cost. Now\n\nChannel 1: Yep.\n\nChannel 0: they did that record advice and that change for that singular asset. Now with that, you do hold quite the holdings in regards to the Australian equities. So you have about 40% in that Australian 200, which is quite high. It is obviously one of the indexes, so it just tracks what the markets are doing at the end of the day. But if that market's not performing to to crash hot, it does mean you do have 40% in that, and it does sort of reduce your diversification down a little bit.\n\nNow as an option, we can review that portfolio to make an adjustment following that change as well, or we can leave that investment portfolio as it is to see how that Australian 200 does compared to the Benelong and how the markets recover after this war kind of sells down.\n\nChannel 1: Yeah. Yep. Yep. Yep.\n\nChannel 0: Is that something you wanna do in terms of, like, reviewing it? Or\n\nChannel 1: No. I just yeah. I'll just leave it there for now, I think.\n\nChannel 0: okay. Yeah. Obviously, at any point, you can review that as long as you are aware that you do have about 40% in that Australian 200 investment. You can log on and have a look at your investments and see how comfortable you are with that and about 50% across international equities. And then you have some gold in there as well and a little bit of, like, cash holdings.\n\nBut if the Australian markets do great, then fantastic. Your portfolio does great. If the Australian market doesn't do too crash hot, then it will sort of impact your performance there, and then we can review it at any time. So if you see from three\n\nChannel 1: Yeah.\n\nChannel 0: to six months from now that your portfolio is not performing how you'd like it to, we can always review it at any point from that as well,\n\nChannel 1: Yep. Yep.\n\nChannel 0: if that makes sense. Did you want, like, a a six month follow-up to just see how things\n\nChannel 1: Yeah.\n\nChannel 0: are tracking\n\nChannel 1: I think\n\nChannel 0: there?\n\nChannel 1: so. I do a six month thing, and I'll get you to email them things so I can look at them.\n\nChannel 0: Yes. I have sent that off, so that should\n\nChannel 1: Alright.\n\nChannel 0: come through\n\nChannel 1: Okay.\n\nChannel 0: to you.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. It should be in your email inbox. Obviously, in regards to performance, it's down, like, 4% for the year. Now majority of that did come because you had 30% in that bet along, but you'll be able to see on that too that has been sold and switched down to that Australian two hundred. So you won't hold any bet along moving forward, and then that's just from the investment committee making that recorded advice change there for you for your account.\n\nIf we sort of do six month follow-up from now and you're not still happy with how things are moving with that change that from that switch for Bennelong, then obviously, we can review that portfolio if you're a bit busy now and focused on work.\n\nChannel 1: Yep. Yep. Yep. That'll be a good idea. Yeah.\n\nChannel 0: Okay. Not a problem. But in regards to everything we have discussed there, Ash, is there any concerns, questions, or anything else you wanted to touch on a little bit more from the conversation?\n\nChannel 1: I'd have to I'd have to sit and have a look at it all, I think.\n\nChannel 0: Yeah. That's not a problem. If you do read through that and do you have any questions and wanna reach out, that's more than fine.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, in regards to that, I'll chuck you down for that six month follow-up there. Someone might follow you up in just regard to that DocuSign just because if you're not an ongoing client and still when if you don't have that ongoing service agreement. But otherwise, then we'll sort of be touching base on that six month mark to go over everything if you wanna leave it alone as is for now.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And then sort of given that six month mark anyway, given that you have been on board since, like, 2022, it's probably a good idea just to do a review of things anyway just given your time on board and probably\n\nChannel 1: Yes.\n\nChannel 0: just see if anything\n\nChannel 1: Alright. Yeah.\n\nChannel 0: does need updating. But, obviously, if you're you're right into your planning at the the moment, then you're probably a little bit busy and don't have the the time to do all this, which is more than fine there as well.\n\nChannel 1: Yep. Yep. Yep. Oh, that's fine. That'll be good.\n\nChannel 0: Too easy, Ash. If you don't have any questions for me now, I'll email off that lawyer information for you to have a look at, and I'll just\n\nChannel 1: Yep.\n\nChannel 0: see if there's any other outstanding requirements on your account. I believe everything else is up to date. Your ID will expire, the one we've got on file at the end of the year, so they'll probably chase you up sort of towards the end of the year, start of next year to get that ID updated, but I think that's probably about it.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem at all, Ash. Well, I'll\n\nChannel 1: Yep.\n\nChannel 0: let\n\nChannel 1: Yep.\n\nChannel 0: you get back to it. If you do have any questions in regards to contributions and things like that, obviously, you can reach out to your accountant. If you do want some just general queries and things like that, we're happy to answer some questions or if you need your contribution details for that\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Yeah. No. That'll be great.\n\nChannel 0: Too easy, Ash. Well, you enjoy the rest of your your Avo. Take it easy out there. Cheers. Bye.\n\nChannel 1: Alright.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.05807805806398392},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.9,"sentiment":"neutral","sentiment_score":0.03729123983066529}],"sentiment":"neutral","sentiment_score":0.038513993844389915,"channel":1,"num_words":17,"start":0.16,"end":4.9},{"sentences":[{"text":"Good afternoon, Ashley.","start":6.48,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.2468623568614324},{"text":"It's Carl calling from Oakview Financial in regards to your scheduled booking.","start":7.3599997,"end":10.74,"sentiment":"neutral","sentiment_score":0.20814337705572447}],"sentiment":"neutral","sentiment_score":0.21588717301686605,"channel":0,"num_words":15,"start":6.48,"end":10.74},{"sentences":[{"text":"Thanks.","start":16.575,"end":17.075,"sentiment":"positive","sentiment_score":0.4558501839637756},{"text":"Please stay on the line.","start":17.135,"end":18.595001,"sentiment":"neutral","sentiment_score":0.22300585508346557},{"text":"Hello?","start":40.055,"end":40.555,"sentiment":"neutral","sentiment_score":0.13862769305706024}],"sentiment":"neutral","sentiment_score":0.24421530749116624,"channel":1,"num_words":7,"start":16.575,"end":40.555},{"sentences":[{"text":"Good afternoon, Ashley.","start":41.565,"end":42.445,"sentiment":"neutral","sentiment_score":0.308305561542511},{"text":"It's Kyle.","start":42.445,"end":42.925,"sentiment":"neutral","sentiment_score":0.27241551876068115},{"text":"How are you today?","start":42.925,"end":43.905,"sentiment":"neutral","sentiment_score":0.3071354031562805}],"sentiment":"neutral","sentiment_score":0.29980992608600193,"channel":0,"num_words":9,"start":41.565,"end":43.905},{"sentences":[{"text":"Hi.","start":44.215,"end":44.535,"sentiment":"neutral","sentiment_score":0.19861441850662231},{"text":"Good night.","start":44.535,"end":45.175003,"sentiment":"neutral","sentiment_score":0.30001555383205414},{"text":"Hey.","start":45.175003,"end":45.415,"sentiment":"neutral","sentiment_score":0.2011212408542633},{"text":"Hey.","start":45.415,"end":45.915,"sentiment":"neutral","sentiment_score":0.2426736950874329}],"sentiment":"neutral","sentiment_score":0.24848809242248535,"channel":1,"num_words":5,"start":44.215,"end":45.915},{"sentences":[{"text":"Yeah.","start":45.964996,"end":46.364998,"sentiment":"neutral","sentiment_score":0.29936692118644714},{"text":"Not too bad at all.","start":46.364998,"end":47.004997,"sentiment":"positive","sentiment_score":0.3958619713783264},{"text":"Thank you for asking.","start":47.004997,"end":47.725,"sentiment":"positive","sentiment_score":0.6532777398824692},{"text":"I just scheduled in for you and your review.","start":47.725,"end":49.484997,"sentiment":"positive","sentiment_score":0.4496411581834157},{"text":"Is now still a good time for you?","start":49.484997,"end":51.12,"sentiment":"positive","sentiment_score":0.3831043876707554}],"sentiment":"positive","sentiment_score":0.44457012083795333,"channel":0,"num_words":27,"start":45.964996,"end":51.12},{"sentences":[{"text":"Yep.","start":51.415,"end":51.915,"sentiment":"neutral","sentiment_score":0.27322596311569214}],"sentiment":"neutral","sentiment_score":0.27322596311569214,"channel":1,"num_words":1,"start":51.415,"end":51.915},{"sentences":[{"text":"Perfect.","start":53.44,"end":53.76,"sentiment":"positive","sentiment_score":0.47173553705215454},{"text":"Not a problem at all.","start":53.76,"end":54.64,"sentiment":"positive","sentiment_score":0.40937904119491575},{"text":"Just to get started on that one, if I could just pass you through security with that name, date of birth, and kinda just we can get stuck into that one today.","start":54.64,"end":60.34,"sentiment":"neutral","sentiment_score":0.3274210663512349}],"sentiment":"positive","sentiment_score":0.34200275963858556,"channel":0,"num_words":38,"start":53.44,"end":60.34},{"sentences":[{"text":"7th Of 5th 72.","start":61.05,"end":62.91,"sentiment":"neutral","sentiment_score":0.014454436022788286},{"text":"And 23 4th Avenue, Home Hill 4806.","start":66.905,"end":72.125,"sentiment":"neutral","sentiment_score":0.027629947822008814}],"sentiment":"neutral","sentiment_score":0.02283885262229226,"channel":1,"num_words":11,"start":61.05,"end":72.125},{"sentences":[{"text":"Perfect.","start":72.575,"end":72.814995,"sentiment":"neutral","sentiment_score":0.32915014028549194},{"text":"Perfect.","start":72.814995,"end":73.295,"sentiment":"positive","sentiment_score":0.5081496834754944},{"text":"Thanks for that one there, Ashley.","start":73.295,"end":74.415,"sentiment":"positive","sentiment_score":0.625182310740153},{"text":"I definitely know these calls are recorded for quality and training purposes there as well.","start":74.415,"end":78.51,"sentiment":"neutral","sentiment_score":0.31607311268647514}],"sentiment":"positive","sentiment_score":0.4056300164564796,"channel":0,"num_words":23,"start":72.575,"end":78.51},{"sentences":[{"text":"Yep.","start":79.145,"end":79.47,"sentiment":"neutral","sentiment_score":0.09200238436460496}],"sentiment":"neutral","sentiment_score":0.09200238436460496,"channel":1,"num_words":1,"start":79.145,"end":79.47},{"sentences":[{"text":"And just in regards to everything there, Ashley, just because it has been a while since you've been able to speak to us there.","start":80.83,"end":85.87,"sentiment":"neutral","sentiment_score":0.04316555801779032},{"text":"Do you have any questions before we get started there today?","start":85.87,"end":88.450005,"sentiment":"neutral","sentiment_score":0.03302518803287636}],"sentiment":"neutral","sentiment_score":0.03997858459396022,"channel":0,"num_words":35,"start":80.83,"end":88.450005},{"sentences":[{"text":"No.","start":89.23,"end":89.630005,"sentiment":"neutral","sentiment_score":-0.24616026878356936},{"text":"I'm not really in this guy.","start":89.630005,"end":91.31,"sentiment":"negative","sentiment_score":-0.46479784945646924},{"text":"Goddamn.","start":91.31,"end":91.81,"sentiment":"negative","sentiment_score":-0.43977922201156616},{"text":"They're gonna make a rise, so I'll I'll let you know.","start":92.65501,"end":95.635,"sentiment":"neutral","sentiment_score":-0.2483595541932366}],"sentiment":"neutral","sentiment_score":-0.32666745703471334,"channel":1,"num_words":19,"start":89.23,"end":95.635},{"sentences":[{"text":"Okay.","start":96.765,"end":97.165,"sentiment":"neutral","sentiment_score":0.017734039574861526},{"text":"Not a problem at all.","start":97.165,"end":98.125,"sentiment":"neutral","sentiment_score":0.06011680662631989},{"text":"So what we'll do there today, and I've done a few of these before, we'll just go through and update the fact find, do a quick risk profile, and then I'll send out some documents there.","start":98.125,"end":105.46001,"sentiment":"neutral","sentiment_score":0.09067619912740257},{"text":"It sounds like you are on the road or something, so don't feel like you have to open them.","start":105.46001,"end":108.9,"sentiment":"neutral","sentiment_score":-0.01548225364010585},{"text":"You can just sort of review them when you get home there","start":108.9,"end":110.740005,"sentiment":"neutral","sentiment_score":0.07218210678547621}],"sentiment":"neutral","sentiment_score":0.05691347539118708,"channel":0,"num_words":73,"start":96.765,"end":110.740005},{"sentences":[{"text":"Yeah.","start":110.62,"end":111.02,"sentiment":"neutral","sentiment_score":0.07999590039253235}],"sentiment":"neutral","sentiment_score":0.07999590039253235,"channel":1,"num_words":1,"start":110.62,"end":111.02},{"sentences":[{"text":"as well.","start":110.740005,"end":111.4,"sentiment":"neutral","sentiment_score":0.07687678188085556}],"sentiment":"neutral","sentiment_score":0.07687678188085556,"channel":0,"num_words":2,"start":110.740005,"end":111.4},{"sentences":[{"text":"Yep.","start":111.02,"end":111.34,"sentiment":"neutral","sentiment_score":0.08204814791679382},{"text":"Yep.","start":111.34,"end":111.84,"sentiment":"neutral","sentiment_score":0.0946107804775238}],"sentiment":"neutral","sentiment_score":0.08832946419715881,"channel":1,"num_words":2,"start":111.02,"end":111.84},{"sentences":[{"text":"No problem.","start":112.9,"end":113.54,"sentiment":"neutral","sentiment_score":0.1614517942070961},{"text":"So we'll send out that annual review pack now, though.","start":113.54,"end":115.54,"sentiment":"neutral","sentiment_score":0.16139932051301004},{"text":"So we'll be going to ashsmith7572@hotmail.com.","start":115.54,"end":119.895,"sentiment":"neutral","sentiment_score":0.1122984712322553}],"sentiment":"neutral","sentiment_score":0.14503820116321245,"channel":0,"num_words":18,"start":112.9,"end":119.895},{"sentences":[{"text":"Yep.","start":120.38,"end":120.88,"sentiment":"neutral","sentiment_score":0.1576310396194458}],"sentiment":"neutral","sentiment_score":0.1576310396194458,"channel":1,"num_words":1,"start":120.38,"end":120.88},{"sentences":[{"text":"Perfect.","start":121.475,"end":121.795,"sentiment":"neutral","sentiment_score":0.29958128929138184},{"text":"So with that one there, the two signable documents will be your ongoing service agreement if you were still happy to stay on board as a client.","start":121.795,"end":127.655,"sentiment":"neutral","sentiment_score":0.21428551718040748},{"text":"Your current, like, agreement has lapsed there, so you're not getting charged a fee currently.","start":128.035,"end":131.715,"sentiment":"neutral","sentiment_score":-0.19244727840026218},{"text":"So this would just be to turn it back on for you to be our main client.","start":131.715,"end":135.17,"sentiment":"neutral","sentiment_score":0.0957288417746039},{"text":"We'd hope you sort of in line with your previous advice and then sort of any advice that sort of does come from this call or in future.","start":135.17,"end":141.82999,"sentiment":"neutral","sentiment_score":0.17630971648863383}],"sentiment":"neutral","sentiment_score":0.11093913010236892,"channel":0,"num_words":88,"start":121.475,"end":141.82999},{"sentences":[{"text":"Yep.","start":142.95,"end":143.45,"sentiment":"neutral","sentiment_score":0.20634213089942932}],"sentiment":"neutral","sentiment_score":0.20634213089942932,"channel":1,"num_words":1,"start":142.95,"end":143.45},{"sentences":[{"text":"In addition to that one there, you'll have a Vanguard index chart, a summary of just your superannuation 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fee you'll pay for the next twelve months in regards to that in your balance, which is something","start":159.315,"end":171.24,"sentiment":"neutral","sentiment_score":0.2542684032865193}],"sentiment":"neutral","sentiment_score":0.22351307656902533,"channel":0,"num_words":65,"start":152.115,"end":171.24},{"sentences":[{"text":"Yep.","start":170.87,"end":171.37,"sentiment":"neutral","sentiment_score":0.05098578333854675}],"sentiment":"neutral","sentiment_score":0.05098578333854675,"channel":1,"num_words":1,"start":170.87,"end":171.37},{"sentences":[{"text":"to be mindful of when reviewing that.","start":171.24,"end":173.08,"sentiment":"neutral","sentiment_score":-0.057164132595062256},{"text":"It'll give you, like, the estimated sort of monthly figure, which given your account is quite high there.","start":173.08,"end":178.36499,"sentiment":"neutral","sentiment_score":-0.02092714048922062},{"text":"So it'll be around the $550 as, like, a monthly basis because there's a percentage based 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today?","start":190.91,"end":194.69,"sentiment":"neutral","sentiment_score":0.09244662130044566}],"sentiment":"neutral","sentiment_score":0.2299902733535536,"channel":0,"num_words":31,"start":187.165,"end":194.69},{"sentences":[{"text":"No.","start":195.40001,"end":195.8,"sentiment":"neutral","sentiment_score":-0.124026857316494},{"text":"No.","start":195.8,"end":196.04001,"sentiment":"neutral","sentiment_score":-0.1275615096092224},{"text":"No.","start":196.04001,"end":196.44,"sentiment":"neutral","sentiment_score":-0.16520385444164276},{"text":"I'll have to sit down and read through 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couldn't reach you.","start":220.34,"end":223.14,"sentiment":"neutral","sentiment_score":-0.1186716113896931},{"text":"Did you wanna put down, like, a number or an email","start":223.14,"end":225.14,"sentiment":"neutral","sentiment_score":0.022453264079310677}],"sentiment":"neutral","sentiment_score":-0.06086452973300013,"channel":0,"num_words":29,"start":219.94,"end":225.14},{"sentences":[{"text":"She","start":225.14,"end":225.54,"sentiment":"neutral","sentiment_score":0.0038098953664302826}],"sentiment":"neutral","sentiment_score":0.0038098953664302826,"channel":1,"num_words":1,"start":225.14,"end":225.54},{"sentences":[{"text":"that would","start":225.14,"end":225.72,"sentiment":"neutral","sentiment_score":-0.0057833450846374035}],"sentiment":"neutral","sentiment_score":-0.0057833450846374035,"channel":0,"num_words":2,"start":225.14,"end":225.72},{"sentences":[{"text":"gets my emails, and I haven't I haven't got an on the semi phone, but 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see not nothing coming in.","start":251.37,"end":253.87,"sentiment":"neutral","sentiment_score":-0.11452881885426384}],"sentiment":"neutral","sentiment_score":-0.11452881885426384,"channel":1,"num_words":7,"start":251.37,"end":253.87},{"sentences":[{"text":"In terms of","start":255.265,"end":255.905,"sentiment":"neutral","sentiment_score":-0.02781867856780688}],"sentiment":"neutral","sentiment_score":-0.02781867856780688,"channel":0,"num_words":3,"start":255.265,"end":255.905},{"sentences":[{"text":"I","start":255.76999,"end":255.93,"sentiment":"neutral","sentiment_score":-0.029344968497753143}],"sentiment":"neutral","sentiment_score":-0.029344968497753143,"channel":1,"num_words":1,"start":255.76999,"end":255.93},{"sentences":[{"text":"contributions?","start":255.905,"end":256.405,"sentiment":"neutral","sentiment_score":-0.023184971883893013}],"sentiment":"neutral","sentiment_score":-0.023184971883893013,"channel":0,"num_words":1,"start":255.905,"end":256.405},{"sentences":[{"text":"work for myself.","start":255.93,"end":256.91,"sentiment":"neutral","sentiment_score":-0.043053386732935905}],"sentiment":"neutral","sentiment_score":-0.043053386732935905,"channel":1,"num_words":3,"start":255.93,"end":256.91},{"sentences":[{"text":"Because you're a 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sugarcane.","start":267.895,"end":269.355,"sentiment":"neutral","sentiment_score":0.006718726983914773},{"text":"Yeah.","start":269.575,"end":270.075,"sentiment":"neutral","sentiment_score":0.0428478941321373},{"text":"Yeah.","start":271.495,"end":271.815,"sentiment":"neutral","sentiment_score":0.042594581842422485},{"text":"I I have a harvesting contract and a planning contract.","start":271.815,"end":275.115,"sentiment":"neutral","sentiment_score":0.038687024638056754}],"sentiment":"neutral","sentiment_score":0.028479171347700886,"channel":1,"num_words":18,"start":267.895,"end":275.115},{"sentences":[{"text":"Yeah.","start":278.545,"end":279.045,"sentiment":"neutral","sentiment_score":0.0447976253926754},{"text":"And with the planning contract, what does that 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bad.","start":290.865,"end":291.345,"sentiment":"neutral","sentiment_score":-0.3146253824234009},{"text":"I just didn't hear you correctly.","start":291.345,"end":292.565,"sentiment":"neutral","sentiment_score":-0.24843812237183252}],"sentiment":"neutral","sentiment_score":-0.20500517307835467,"channel":0,"num_words":17,"start":289.025,"end":292.565},{"sentences":[{"text":"Yep.","start":293.465,"end":293.965,"sentiment":"neutral","sentiment_score":0.01834225468337536}],"sentiment":"neutral","sentiment_score":0.01834225468337536,"channel":1,"num_words":1,"start":293.465,"end":293.965},{"sentences":[{"text":"Not a problem.","start":294.47,"end":295.37,"sentiment":"neutral","sentiment_score":0.1008159766594569},{"text":"And then with that one there, now that you're doing your sole trader work, are you sort of in the office a little bit as well?","start":295.99,"end":302.94998,"sentiment":"neutral","sentiment_score":0.026698719925032213},{"text":"Sort of how much in the office work are you 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work cover and that sort sort that.","start":851.055,"end":856.755,"sentiment":"neutral","sentiment_score":-0.05623970987896124}],"sentiment":"neutral","sentiment_score":-0.054446649205471785,"channel":1,"num_words":14,"start":850.375,"end":856.755},{"sentences":[{"text":"Yeah.","start":858.66,"end":858.89996,"sentiment":"neutral","sentiment_score":0.016785364598035812},{"text":"And do you still get work cover as a contractor or through do you","start":858.89996,"end":862.57996,"sentiment":"neutral","sentiment_score":0.0029017224109598567}],"sentiment":"neutral","sentiment_score":0.0038272985567649204,"channel":0,"num_words":15,"start":858.66,"end":862.57996},{"sentences":[{"text":"Yeah.","start":862.57495,"end":862.89496,"sentiment":"neutral","sentiment_score":0.008739055134356022}],"sentiment":"neutral","sentiment_score":0.008739055134356022,"channel":1,"num_words":1,"start":862.57495,"end":862.89496},{"sentences":[{"text":"have 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moment","start":1103.59,"end":1106.47,"sentiment":"neutral","sentiment_score":0.052548226714134214}],"sentiment":"neutral","sentiment_score":0.06144253745675087,"channel":0,"num_words":25,"start":1097.4299,"end":1106.47},{"sentences":[{"text":"Yeah.","start":1106.415,"end":1106.8151,"sentiment":"neutral","sentiment_score":0.03767000883817673}],"sentiment":"neutral","sentiment_score":0.03767000883817673,"channel":1,"num_words":1,"start":1106.415,"end":1106.8151},{"sentences":[{"text":"there?","start":1106.47,"end":1106.97,"sentiment":"neutral","sentiment_score":0.025081396102905273}],"sentiment":"neutral","sentiment_score":0.025081396102905273,"channel":0,"num_words":1,"start":1106.47,"end":1106.97},{"sentences":[{"text":"Yeah.","start":1106.8151,"end":1107.3151,"sentiment":"neutral","sentiment_score":0.037553250789642334},{"text":"Yeah.","start":1107.4551,"end":1107.775,"sentiment":"neutral","sentiment_score":0.008758087642490864},{"text":"I've been for a couple more years.","start":1107.775,"end":1109.135,"sentiment":"neutral","sentiment_score":0.0342481080442667},{"text":"Yeah.","start":1109.135,"end":1109.375,"sentiment":"neutral","sentiment_score":0.1967143416404724},{"text":"I know.","start":1109.375,"end":1109.9551,"sentiment":"neutral","sentiment_score":0.24446700513362885}],"sentiment":"neutral","sentiment_score":0.08097470388747752,"channel":1,"num_words":12,"start":1106.8151,"end":1109.9551},{"sentences":[{"text":"Perfect.","start":1110.945,"end":1111.445,"sentiment":"positive","sentiment_score":0.5978807210922241},{"text":"Now in regards to your investments, now as I said, and I'm not too sure from who you've spoken to previously before our discussion there, but you recently had quite a dip, not only just due to the wall, but because you had a Ben Long Australian equities fund in there for about 30% of your portfolio.","start":1112.385,"end":1128.75,"sentiment":"neutral","sentiment_score":-0.1172293271673353},{"text":"Now with that one and the markets and what did happen, they basically had an underlying asset that was done for not reporting correctly.","start":1128.81,"end":1137.365,"sentiment":"negative","sentiment_score":-0.33899374678730965},{"text":"So as a result of that one, it had to like, a market correction with having to reevaluate that stock and then the fund itself and then people, like, pulling some money out of that fund.","start":1137.365,"end":1146.825,"sentiment":"negative","sentiment_score":-0.39268708974123},{"text":"Now as an Oakview business decision, they did switch that investment out for an alternative index option, which is passive in nature, so you don't have the risk of a manager picking and choosing winners.","start":1147.045,"end":1159.81,"sentiment":"neutral","sentiment_score":0.0824875846505165}],"sentiment":"neutral","sentiment_score":-0.16646869685135635,"channel":0,"num_words":153,"start":1110.945,"end":1159.81},{"sentences":[{"text":"And then with that there, your portfolio has moved to a more passive approach and a cheaper ongoing cost.","start":1159.81,"end":1166.555,"sentiment":"neutral","sentiment_score":0.1990184862362711},{"text":"Now","start":1167.495,"end":1167.995,"sentiment":"neutral","sentiment_score":0.11316604912281036}],"sentiment":"neutral","sentiment_score":0.19472586438059808,"channel":0,"num_words":20,"start":1159.81,"end":1167.995},{"sentences":[{"text":"Yep.","start":1167.8201,"end":1168.3201,"sentiment":"neutral","sentiment_score":0.20212873816490173}],"sentiment":"neutral","sentiment_score":0.20212873816490173,"channel":1,"num_words":1,"start":1167.8201,"end":1168.3201},{"sentences":[{"text":"they did that record advice and that change for that singular asset.","start":1168.615,"end":1171.895,"sentiment":"neutral","sentiment_score":0.17903142422437668},{"text":"Now with that, you do hold quite the holdings in regards to the Australian equities.","start":1171.895,"end":1177.97,"sentiment":"neutral","sentiment_score":0.15351326018571854},{"text":"So you have about 40% in that Australian 200, which is quite high.","start":1177.97,"end":1181.83,"sentiment":"neutral","sentiment_score":0.20075230529675117},{"text":"It is obviously one of the indexes, so it just tracks what the markets are doing at the end of the day.","start":1181.97,"end":1186.71,"sentiment":"neutral","sentiment_score":0.0705126454545693},{"text":"But if that market's not performing to to crash hot, it does mean you do have 40% in that, and it does sort of reduce your diversification down a little bit.","start":1186.85,"end":1194.885,"sentiment":"negative","sentiment_score":-0.3516045878491094}],"sentiment":"neutral","sentiment_score":-0.024597936139632296,"channel":0,"num_words":93,"start":1168.615,"end":1194.885},{"sentences":[{"text":"Now as an option, we can review that portfolio to make an adjustment following that change as well, or we can leave that investment portfolio as it is to see how that Australian 200 does compared to the Benelong and how the markets recover after this war kind of sells down.","start":1195.105,"end":1212.26,"sentiment":"neutral","sentiment_score":-0.0026727777303141706}],"sentiment":"neutral","sentiment_score":-0.0026727777303141706,"channel":0,"num_words":51,"start":1195.105,"end":1212.26},{"sentences":[{"text":"Yeah.","start":1213.165,"end":1213.325,"sentiment":"neutral","sentiment_score":0.0995301604270935},{"text":"Yep.","start":1213.325,"end":1213.725,"sentiment":"neutral","sentiment_score":0.09599094837903976},{"text":"Yep.","start":1213.725,"end":1213.965,"sentiment":"neutral","sentiment_score":0.11534835398197174},{"text":"Yep.","start":1213.965,"end":1214.465,"sentiment":"neutral","sentiment_score":0.1416677683591843}],"sentiment":"neutral","sentiment_score":0.11313430778682232,"channel":1,"num_words":4,"start":1213.165,"end":1214.465},{"sentences":[{"text":"Is that something you wanna do in terms of, like, reviewing it?","start":1215.04,"end":1217.92,"sentiment":"neutral","sentiment_score":0.09266787519057591},{"text":"Or","start":1217.92,"end":1218.42,"sentiment":"neutral","sentiment_score":-0.019463147968053814}],"sentiment":"neutral","sentiment_score":0.08404241187068132,"channel":0,"num_words":13,"start":1215.04,"end":1218.42},{"sentences":[{"text":"No.","start":1219.245,"end":1219.485,"sentiment":"neutral","sentiment_score":-0.0947638899087906},{"text":"I just yeah.","start":1219.485,"end":1220.285,"sentiment":"neutral","sentiment_score":-0.054136874775091805},{"text":"I'll just leave it there for now, I think.","start":1220.285,"end":1222.225,"sentiment":"neutral","sentiment_score":0.0377137229208731}],"sentiment":"neutral","sentiment_score":0.006326845542599375,"channel":1,"num_words":13,"start":1219.245,"end":1222.225},{"sentences":[{"text":"okay.","start":1223.3151,"end":1223.795,"sentiment":"neutral","sentiment_score":0.09347906708717346},{"text":"Yeah.","start":1223.795,"end":1223.9551,"sentiment":"neutral","sentiment_score":-0.01989762857556343},{"text":"Obviously, at any point, you can review that as long as you are aware that you do have about 40% in that Australian 200 investment.","start":1223.9551,"end":1230.295,"sentiment":"neutral","sentiment_score":0.09662888750433922},{"text":"You can log on and have a look at your investments and see how comfortable you are with that and about 50% across international equities.","start":1231.01,"end":1238.2899,"sentiment":"neutral","sentiment_score":0.22108304619789124},{"text":"And then you have some gold in there as well and a little bit of, like, cash holdings.","start":1238.2899,"end":1243.4299,"sentiment":"neutral","sentiment_score":0.11601637614270051}],"sentiment":"neutral","sentiment_score":0.14435249359479974,"channel":0,"num_words":70,"start":1223.3151,"end":1243.4299},{"sentences":[{"text":"But if the Australian markets do great, then fantastic.","start":1243.8899,"end":1246.915,"sentiment":"positive","sentiment_score":0.5144824004835553},{"text":"Your portfolio does great.","start":1246.9751,"end":1248.495,"sentiment":"positive","sentiment_score":0.6946112215518951},{"text":"If the Australian market doesn't do too crash hot, then it will sort of impact your performance there, and then we can review it at any time.","start":1248.495,"end":1256.895,"sentiment":"neutral","sentiment_score":0.002398972158078794},{"text":"So if you see from three","start":1256.895,"end":1258.48,"sentiment":"neutral","sentiment_score":-0.0026352492471536}],"sentiment":"neutral","sentiment_score":0.1621249400727127,"channel":0,"num_words":46,"start":1243.8899,"end":1258.48},{"sentences":[{"text":"Yeah.","start":1258.39,"end":1258.89,"sentiment":"neutral","sentiment_score":-0.0367325022816658}],"sentiment":"neutral","sentiment_score":-0.0367325022816658,"channel":1,"num_words":1,"start":1258.39,"end":1258.89},{"sentences":[{"text":"to six months from now that your portfolio is not performing how you'd like it to, we can always review it at any point from that as well,","start":1258.48,"end":1264.8999,"sentiment":"neutral","sentiment_score":-0.04076018217684967}],"sentiment":"neutral","sentiment_score":-0.04076018217684967,"channel":0,"num_words":28,"start":1258.48,"end":1264.8999},{"sentences":[{"text":"Yep.","start":1265.99,"end":1266.3099,"sentiment":"neutral","sentiment_score":0.04805614799261093},{"text":"Yep.","start":1266.3099,"end":1266.8099,"sentiment":"neutral","sentiment_score":0.07781612128019333}],"sentiment":"neutral","sentiment_score":0.06293613463640213,"channel":1,"num_words":2,"start":1265.99,"end":1266.8099},{"sentences":[{"text":"if that makes sense.","start":1267.2799,"end":1268.4199,"sentiment":"neutral","sentiment_score":0.09541420917958021},{"text":"Did you want, like, a a six month follow-up to just see how things","start":1268.7999,"end":1272.5599,"sentiment":"neutral","sentiment_score":0.032923800205545764}],"sentiment":"neutral","sentiment_score":0.046810557755331196,"channel":0,"num_words":18,"start":1267.2799,"end":1272.5599},{"sentences":[{"text":"Yeah.","start":1272.525,"end":1272.9249,"sentiment":"neutral","sentiment_score":0.03353287652134895}],"sentiment":"neutral","sentiment_score":0.03353287652134895,"channel":1,"num_words":1,"start":1272.525,"end":1272.9249},{"sentences":[{"text":"are tracking","start":1272.5599,"end":1273.2,"sentiment":"neutral","sentiment_score":0.03699285816401243}],"sentiment":"neutral","sentiment_score":0.03699285816401243,"channel":0,"num_words":2,"start":1272.5599,"end":1273.2},{"sentences":[{"text":"I think","start":1272.9249,"end":1273.485,"sentiment":"neutral","sentiment_score":0.02398549672216177}],"sentiment":"neutral","sentiment_score":0.02398549672216177,"channel":1,"num_words":2,"start":1272.9249,"end":1273.485},{"sentences":[{"text":"there?","start":1273.2,"end":1273.665,"sentiment":"neutral","sentiment_score":0.03088569268584251}],"sentiment":"neutral","sentiment_score":0.03088569268584251,"channel":0,"num_words":1,"start":1273.2,"end":1273.665},{"sentences":[{"text":"so.","start":1273.485,"end":1273.605,"sentiment":"neutral","sentiment_score":0.03649849072098732},{"text":"I do a six month thing, and I'll get you to email them things so I can look at them.","start":1273.605,"end":1278.385,"sentiment":"neutral","sentiment_score":0.07580216135829687}],"sentiment":"neutral","sentiment_score":0.07393055799461547,"channel":1,"num_words":21,"start":1273.485,"end":1278.385},{"sentences":[{"text":"Yes.","start":1279.025,"end":1279.265,"sentiment":"neutral","sentiment_score":0.07654930651187897},{"text":"I have sent that off, so that should","start":1279.265,"end":1281.105,"sentiment":"neutral","sentiment_score":0.08504339959472418}],"sentiment":"neutral","sentiment_score":0.08409961147440805,"channel":0,"num_words":9,"start":1279.025,"end":1281.105},{"sentences":[{"text":"Alright.","start":1280.9249,"end":1281.4249,"sentiment":"neutral","sentiment_score":0.06348171085119247}],"sentiment":"neutral","sentiment_score":0.06348171085119247,"channel":1,"num_words":1,"start":1280.9249,"end":1281.4249},{"sentences":[{"text":"come 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you.","start":1281.5851,"end":1282.245,"sentiment":"neutral","sentiment_score":0.11582241952419281}],"sentiment":"neutral","sentiment_score":0.11582241952419281,"channel":0,"num_words":2,"start":1281.5851,"end":1282.245},{"sentences":[{"text":"Cool.","start":1281.885,"end":1282.385,"sentiment":"neutral","sentiment_score":0.3161875009536743}],"sentiment":"neutral","sentiment_score":0.3161875009536743,"channel":1,"num_words":1,"start":1281.885,"end":1282.385},{"sentences":[{"text":"Yeah.","start":1282.4651,"end":1282.785,"sentiment":"neutral","sentiment_score":0.2341558933258057},{"text":"It should be in your email inbox.","start":1282.785,"end":1284.405,"sentiment":"neutral","sentiment_score":0.257070569055421},{"text":"Obviously, in regards to performance, it's down, like, 4% for the year.","start":1284.785,"end":1288.61,"sentiment":"neutral","sentiment_score":-0.03673734275313715},{"text":"Now majority of that did come because you had 30% in that bet along, but you'll be able to see on that too that has been sold and switched down to that Australian two hundred.","start":1288.61,"end":1297.19,"sentiment":"neutral","sentiment_score":0.07388144305774144},{"text":"So you won't hold any bet along moving forward, and then that's just from the investment committee making that recorded advice change there for you for your account.","start":1297.25,"end":1305.245,"sentiment":"neutral","sentiment_score":0.0009621243724333388}],"sentiment":"neutral","sentiment_score":0.05066978015813483,"channel":0,"num_words":83,"start":1282.4651,"end":1305.245},{"sentences":[{"text":"If we sort of do six month follow-up from now and you're not still happy with how things are moving with that change that from that switch for Bennelong, then obviously, we can review that portfolio if you're a bit busy now and focused on work.","start":1305.945,"end":1317.63,"sentiment":"neutral","sentiment_score":-0.1581354045673557}],"sentiment":"neutral","sentiment_score":-0.1581354045673557,"channel":0,"num_words":46,"start":1305.945,"end":1317.63},{"sentences":[{"text":"Yep.","start":1319.51,"end":1319.99,"sentiment":"neutral","sentiment_score":0.07133521139621735},{"text":"Yep.","start":1319.99,"end":1320.3099,"sentiment":"neutral","sentiment_score":0.09952972829341888},{"text":"Yep.","start":1320.3099,"end":1320.63,"sentiment":"neutral","sentiment_score":0.19475439190864563},{"text":"That'll be a good idea.","start":1320.63,"end":1321.75,"sentiment":"positive","sentiment_score":0.5284356832504272},{"text":"Yeah.","start":1321.75,"end":1322.115,"sentiment":"neutral","sentiment_score":0.16501164436340332}],"sentiment":"positive","sentiment_score":0.35253437691264683,"channel":1,"num_words":9,"start":1319.51,"end":1322.115},{"sentences":[{"text":"Okay.","start":1322.83,"end":1323.15,"sentiment":"neutral","sentiment_score":0.14893686771392822},{"text":"Not a problem.","start":1323.15,"end":1323.97,"sentiment":"neutral","sentiment_score":0.12670529067205885},{"text":"But in regards to everything we have discussed there, Ash, is there any concerns, questions, or anything else you wanted to touch on a little bit more from the conversation?","start":1324.27,"end":1331.89,"sentiment":"neutral","sentiment_score":0.07685351048906644}],"sentiment":"neutral","sentiment_score":0.08337229571770877,"channel":0,"num_words":34,"start":1322.83,"end":1331.89},{"sentences":[{"text":"I'd have to I'd have to sit and have a look at it all, I think.","start":1332.195,"end":1335.575,"sentiment":"neutral","sentiment_score":-0.010772181871288922}],"sentiment":"neutral","sentiment_score":-0.010772181871288922,"channel":1,"num_words":16,"start":1332.195,"end":1335.575},{"sentences":[{"text":"Yeah.","start":1336.095,"end":1336.495,"sentiment":"neutral","sentiment_score":0.23476047813892365},{"text":"That's not a problem.","start":1336.495,"end":1337.215,"sentiment":"positive","sentiment_score":0.44355450570583344},{"text":"If you do read through that and do you have any questions and wanna reach out, that's more than fine.","start":1337.215,"end":1340.995,"sentiment":"positive","sentiment_score":0.5008258849382401}],"sentiment":"positive","sentiment_score":0.4810198479890823,"channel":0,"num_words":25,"start":1336.095,"end":1340.995},{"sentences":[{"text":"Yep.","start":1341.5499,"end":1342.0499,"sentiment":"neutral","sentiment_score":0.24163389205932617}],"sentiment":"neutral","sentiment_score":0.24163389205932617,"channel":1,"num_words":1,"start":1341.5499,"end":1342.0499},{"sentences":[{"text":"Obviously, in regards to that, I'll chuck you down for that six month follow-up there.","start":1341.695,"end":1345.2,"sentiment":"neutral","sentiment_score":0.06156617229183515},{"text":"Someone might follow you up in just regard to that DocuSign just because if you're not an ongoing client and still when if you don't have that ongoing service agreement.","start":1345.5199,"end":1353.0599,"sentiment":"neutral","sentiment_score":0.0426776384934783},{"text":"But otherwise, then we'll sort of be touching base on that six month mark to go over everything if you wanna leave it alone as is for now.","start":1353.6799,"end":1360.995,"sentiment":"neutral","sentiment_score":0.08928368440163988}],"sentiment":"neutral","sentiment_score":0.06443513564969579,"channel":0,"num_words":73,"start":1341.695,"end":1360.995},{"sentences":[{"text":"Yep.","start":1361.5549,"end":1362.0549,"sentiment":"neutral","sentiment_score":0.11721627414226532}],"sentiment":"neutral","sentiment_score":0.11721627414226532,"channel":1,"num_words":1,"start":1361.5549,"end":1362.0549},{"sentences":[{"text":"Yeah.","start":1362.755,"end":1362.995,"sentiment":"neutral","sentiment_score":0.11986155062913896},{"text":"And then sort of given that six month mark anyway, given that you have been on board since, like, 2022, it's probably a good idea just to do a review of things anyway just given your time on board and probably","start":1362.995,"end":1372.915,"sentiment":"neutral","sentiment_score":0.13597113139382222}],"sentiment":"neutral","sentiment_score":0.13558756994704405,"channel":0,"num_words":42,"start":1362.755,"end":1372.915},{"sentences":[{"text":"Yes.","start":1372.7699,"end":1373.2699,"sentiment":"neutral","sentiment_score":0.029489144682884216}],"sentiment":"neutral","sentiment_score":0.029489144682884216,"channel":1,"num_words":1,"start":1372.7699,"end":1373.2699},{"sentences":[{"text":"just see if anything","start":1372.915,"end":1373.895,"sentiment":"neutral","sentiment_score":0.012090895790606737}],"sentiment":"neutral","sentiment_score":0.012090895790606737,"channel":0,"num_words":4,"start":1372.915,"end":1373.895},{"sentences":[{"text":"Alright.","start":1373.4099,"end":1373.8899,"sentiment":"neutral","sentiment_score":0.039225295186042786},{"text":"Yeah.","start":1373.8899,"end":1374.3899,"sentiment":"neutral","sentiment_score":-0.011564530432224274}],"sentiment":"neutral","sentiment_score":0.013830382376909256,"channel":1,"num_words":2,"start":1373.4099,"end":1374.3899},{"sentences":[{"text":"does need updating.","start":1373.955,"end":1375.47,"sentiment":"neutral","sentiment_score":-0.06983077277739842},{"text":"But, obviously, if you're you're right into your planning at the the moment, then you're probably a little bit busy and don't have the the time to do all this, which is more than fine there as well.","start":1375.47,"end":1385.81,"sentiment":"neutral","sentiment_score":-0.11562010606652812}],"sentiment":"neutral","sentiment_score":-0.11226966704537229,"channel":0,"num_words":41,"start":1373.955,"end":1385.81},{"sentences":[{"text":"Yep.","start":1386.285,"end":1386.525,"sentiment":"neutral","sentiment_score":0.04527736455202103},{"text":"Yep.","start":1386.525,"end":1386.685,"sentiment":"neutral","sentiment_score":0.05513529106974602},{"text":"Yep.","start":1386.685,"end":1387.0851,"sentiment":"neutral","sentiment_score":0.0964057445526123},{"text":"Oh, that's fine.","start":1387.0851,"end":1387.9651,"sentiment":"neutral","sentiment_score":0.30206650495529175},{"text":"That'll be good.","start":1387.9651,"end":1389.025,"sentiment":"positive","sentiment_score":0.48952627182006836}],"sentiment":"neutral","sentiment_score":0.2857329700556066,"channel":1,"num_words":9,"start":1386.285,"end":1389.025},{"sentences":[{"text":"Too easy, Ash.","start":1389.485,"end":1390.285,"sentiment":"neutral","sentiment_score":0.11172931889692943},{"text":"If you don't have any questions for me now, I'll email off that lawyer information for you to have a look at, and I'll just","start":1390.285,"end":1396.4451,"sentiment":"neutral","sentiment_score":0.08959628194570542}],"sentiment":"neutral","sentiment_score":0.09196767876190799,"channel":0,"num_words":28,"start":1389.485,"end":1396.4451},{"sentences":[{"text":"Yep.","start":1396.38,"end":1396.88,"sentiment":"neutral","sentiment_score":0.047245051711797714}],"sentiment":"neutral","sentiment_score":0.047245051711797714,"channel":1,"num_words":1,"start":1396.38,"end":1396.88},{"sentences":[{"text":"see if there's any other outstanding requirements on your account.","start":1396.4451,"end":1399.71,"sentiment":"neutral","sentiment_score":-0.02691046930849552},{"text":"I believe everything else is up to date.","start":1399.71,"end":1401.95,"sentiment":"neutral","sentiment_score":0.030644847080111504},{"text":"Your ID will expire, the one we've got on file at the end of the year, so they'll probably chase you up sort of towards the end of the year, start of next year to get that ID updated, but I think that's probably about it.","start":1401.95,"end":1411.33,"sentiment":"neutral","sentiment_score":-0.032758370568246944}],"sentiment":"neutral","sentiment_score":-0.02391923379036598,"channel":0,"num_words":64,"start":1396.4451,"end":1411.33},{"sentences":[{"text":"Yep.","start":1412.5549,"end":1413.0549,"sentiment":"neutral","sentiment_score":0.11965428292751312}],"sentiment":"neutral","sentiment_score":0.11965428292751312,"channel":1,"num_words":1,"start":1412.5549,"end":1413.0549},{"sentences":[{"text":"Not a problem at all, Ash.","start":1414.1749,"end":1415.455,"sentiment":"neutral","sentiment_score":0.2462646539012591},{"text":"Well, I'll","start":1415.455,"end":1415.7749,"sentiment":"neutral","sentiment_score":0.1589074730873108}],"sentiment":"neutral","sentiment_score":0.22442535869777203,"channel":0,"num_words":8,"start":1414.1749,"end":1415.7749},{"sentences":[{"text":"Yep.","start":1415.6749,"end":1415.9149,"sentiment":"neutral","sentiment_score":0.12895488739013672}],"sentiment":"neutral","sentiment_score":0.12895488739013672,"channel":1,"num_words":1,"start":1415.6749,"end":1415.9149},{"sentences":[{"text":"let","start":1415.7749,"end":1415.9349,"sentiment":"neutral","sentiment_score":0.08848415315151215}],"sentiment":"neutral","sentiment_score":0.08848415315151215,"channel":0,"num_words":1,"start":1415.7749,"end":1415.9349},{"sentences":[{"text":"Yep.","start":1415.9149,"end":1416.4149,"sentiment":"neutral","sentiment_score":0.0853559821844101}],"sentiment":"neutral","sentiment_score":0.0853559821844101,"channel":1,"num_words":1,"start":1415.9149,"end":1416.4149},{"sentences":[{"text":"you get back to it.","start":1415.9349,"end":1417.615,"sentiment":"neutral","sentiment_score":0.1774202987551689},{"text":"If you do have any questions in regards to contributions and things like that, obviously, you can reach out to your accountant.","start":1417.615,"end":1422.515,"sentiment":"neutral","sentiment_score":0.1433619965206493},{"text":"If you do want some just general queries and things like that, we're happy to answer some questions or if you need your contribution details for that","start":1422.575,"end":1430.1747,"sentiment":"neutral","sentiment_score":0.22761427252380936}],"sentiment":"neutral","sentiment_score":0.18864168102542558,"channel":0,"num_words":54,"start":1415.9349,"end":1430.1747},{"sentences":[{"text":"Yeah.","start":1430.15,"end":1430.625,"sentiment":"neutral","sentiment_score":0.08704075217247009}],"sentiment":"neutral","sentiment_score":0.08704075217247009,"channel":1,"num_words":1,"start":1430.15,"end":1430.625},{"sentences":[{"text":"as well.","start":1430.1747,"end":1430.823,"sentiment":"neutral","sentiment_score":0.12855763733386993}],"sentiment":"neutral","sentiment_score":0.12855763733386993,"channel":0,"num_words":2,"start":1430.1747,"end":1430.823},{"sentences":[{"text":"Yeah.","start":1430.705,"end":1431.025,"sentiment":"neutral","sentiment_score":0.20385690033435824},{"text":"No.","start":1431.025,"end":1431.105,"sentiment":"neutral","sentiment_score":0.07356145977973938},{"text":"That'll be great.","start":1431.105,"end":1432.325,"sentiment":"positive","sentiment_score":0.5352747241655985}],"sentiment":"positive","sentiment_score":0.3766485065221786,"channel":1,"num_words":5,"start":1430.705,"end":1432.325},{"sentences":[{"text":"Too easy, Ash.","start":1433.143,"end":1433.863,"sentiment":"positive","sentiment_score":0.5398098429044088},{"text":"Well, you enjoy the rest of your your Avo.","start":1433.863,"end":1435.623,"sentiment":"positive","sentiment_score":0.7747201654646132},{"text":"Take it easy out there.","start":1435.623,"end":1436.843,"sentiment":"positive","sentiment_score":0.7146593332290649},{"text":"Cheers.","start":1439.223,"end":1439.703,"sentiment":"positive","sentiment_score":0.6596308350563049},{"text":"Bye.","start":1439.703,"end":1440.203,"sentiment":"positive","sentiment_score":0.3800009191036224}],"sentiment":"positive","sentiment_score":0.6949915493789472,"channel":0,"num_words":19,"start":1433.143,"end":1440.203},{"sentences":[{"text":"Alright.","start":1440.545,"end":1441.045,"sentiment":"neutral","sentiment_score":-0.12395402044057846}],"sentiment":"neutral","sentiment_score":-0.12395402044057846,"channel":1,"num_words":1,"start":1440.545,"end":1441.045}]},"summary":{"result":"success","short":"During a call with Ashley, a financial agent updates her on her scheduled booking and provides documents to her. They discuss her work schedule, including farming and farming work, and her income and expenses. The agent asks about her risk profile and investment strategy, and suggests adjusting her risk profile if the market does not perform well. They also discuss the possibility of reducing risk and preserving balance while working for over 10 years. The speaker explains that the company had to reevaluate their stock and fund for a change in their portfolio, resulting in a market correction and loss of their Australian equities. They offer to review the portfolio and make adjustments if the market does not perform to their desired levels. The speaker also mentions a dip in the stock market and the possibility of a follow-up in six months."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Good afternoon, Ashley. It's Carl calling from Oakview Financial in regards to your scheduled booking. Thanks.","start_word":1,"end_word":32,"intents":[{"intent":"Schedule and review appointment","confidence_score":0.0035955538}]},{"text":"Your current, like, agreement has lapsed there, so you're not getting charged a fee currently.","start_word":334,"end_word":348,"intents":[{"intent":"Inform about agreement lapse","confidence_score":0.002747864}]},{"text":"So you'll be able to review those when you get home there. But do you have any questions in regards to those documents or what's being sent out there today? No. No.","start_word":534,"end_word":565,"intents":[{"intent":"Provide information on account status","confidence_score":0.0010818078}]},{"text":"It's not a problem at all. So what we'll do now that Ashley was we'll just go through and update all your details, make sure that's all still up to date and correct there. So address doesn't change.","start_word":578,"end_word":615,"intents":[{"intent":"Update account details","confidence_score":0.0012673006}]},{"text":"I've got Vicky down here as your Nextiva King contact. Is that still correct?","start_word":621,"end_word":634,"intents":[{"intent":"Confirm email address","confidence_score":0.040395986}]},{"text":"I've got Vicky down here as your Nextiva King contact. Is that still correct? Vicky, was it?","start_word":621,"end_word":637,"intents":[{"intent":"Confirm contact information","confidence_score":0.0101863295}]},{"text":"Did you wanna put down, like, a number or an email that She would gets my emails, and I haven't I haven't got an on the semi phone, but yeah. that's probably fine. They're not provided. They might ask you at a later date just as regards Yep. to contact.","start_word":660,"end_word":709,"intents":[{"intent":"Request contact information","confidence_score":0.01672614}]},{"text":"Did you wanna put down, like, a number or an email that She would gets my emails, and I haven't I haven't got an on the semi phone, but yeah. that's probably fine. They're not provided. They might ask you at a later date just as regards Yep. to contact. It's only event that we couldn't reach you there, so that's fine.","start_word":660,"end_word":721,"intents":[{"intent":"Consider contacting","confidence_score":0.00000390034}]},{"text":"As far as your your job there, I know you were the farm manager. Is that still currently what you're doing?","start_word":721,"end_word":741,"intents":[{"intent":"Ask about job status","confidence_score":0.0005923875}]},{"text":"As far as your your job there, I know you were the farm manager. Is that still currently what you're doing? No.","start_word":721,"end_word":742,"intents":[{"intent":"Determine job role","confidence_score":0.013258853}]},{"text":"And then as far as in the time since you've been doing the sole trader business, how long have you been doing that versus, like, your industry Be nearly got on a year. experience?","start_word":934,"end_word":967,"intents":[{"intent":"Ask about past occupations","confidence_score":0.0000072748576}]},{"text":"So you do, like, your harvesting, planting, and, like, general maintenance, farm maintenance? General maintenance there on the harvester and the haul outs and everything else. No problem.","start_word":1101,"end_word":1128,"intents":[{"intent":"Coordinate tasks","confidence_score":0.00077079196}]},{"text":"And I'll put expenses on top. Yeah. Yep. Do you know roughly what you'd sort of take home afterwards after the expenses are considered? No. Not really. Yeah. No. That's fine. And then as far as, like, your expenditure and savings per week at the moment there, Ash, do you know roughly what you're sort of putting in the bank versus what you're spending sort of each week? No.","start_word":1325,"end_word":1393,"intents":[{"intent":"Inquire about financial objectives","confidence_score":0.000001222619}]},{"text":"It's all over because, yeah, we haven't had an income for for a while now. Oh, we get bits and pieces. Yes. You'd have to get the whole year and average it out. Yeah.","start_word":1394,"end_word":1427,"intents":[{"intent":"Ensure account balance","confidence_score":0.00013863512}]},{"text":"Yeah.","start_word":1671,"end_word":1671,"intents":[{"intent":"End conversation","confidence_score":0.0007532179}]},{"text":"And then in regards to your credit card, I know you had a a credit card that you sort of did accrue a bit of debt on, but managed to sort of paid down. Do you have any credit card debt at the moment? Yeah.","start_word":1711,"end_word":1755,"intents":[{"intent":"Discuss credit card debt","confidence_score":0.029093409}]},{"text":"Do you have any credit card debt at the moment? Yeah.","start_word":1745,"end_word":1755,"intents":[{"intent":"Confirm debt status","confidence_score":0.023932979}]},{"text":"And then with that, is that sort of you run everything through the business through card. that as well as sort of paying Yeah.","start_word":1787,"end_word":1810,"intents":[{"intent":"Clarify payment method","confidence_score":0.0469508}]},{"text":"And then with that, is that sort of you run everything through the business through card. that as well as sort of paying Yeah. it off?","start_word":1787,"end_word":1812,"intents":[{"intent":"Confirm payment method","confidence_score":0.045173332}]},{"text":"And then as far as a tax resident, you're only a tax resident in Australia. Correct?","start_word":1947,"end_word":1962,"intents":[{"intent":"Confirm age","confidence_score":0.0006392473}]},{"text":"And then as far as a tax resident, you're only a tax resident in Australia. Correct? Yep.","start_word":1947,"end_word":1963,"intents":[{"intent":"Discuss tax residency","confidence_score":0.0004430331}]},{"text":"And with regards to your health, I know you're a nonsmoker and didn't have any health issues there.","start_word":1986,"end_word":2003,"intents":[{"intent":"Check health status","confidence_score":0.0024802182}]},{"text":"Now in regards to your goals and what you're trying to achieve at the moment there, I know you're potentially looking at reviewing your mortgage in a a few years once you paid down a little bit as well.","start_word":2172,"end_word":2210,"intents":[{"intent":"Review mortgage","confidence_score":0.02242057},{"intent":"Review bank accounts","confidence_score":0.00004472591},{"intent":"Review business plans","confidence_score":0.16478205}]},{"text":"So mainly build up the business, pay the house off, and build a shed? Yeah.","start_word":2262,"end_word":2276,"intents":[{"intent":"Discuss business options","confidence_score":0.01409428}]},{"text":"And then in regards to insurances and you're not having any insurances, are you still comfortable not holding any life, TPD, IP, or Yeah. No. trauma?","start_word":2277,"end_word":2302,"intents":[{"intent":"Consider tpd or ip coverage","confidence_score":0.00047377983}]},{"text":"We'll just quickly run through a risk profile and make sure that that's up to date with what we've currently got you invested in there and see how that lines up. Yep.","start_word":2358,"end_word":2389,"intents":[{"intent":"Review risk profile","confidence_score":0.016768588}]},{"text":"And then with you being 55 now or turning 55, when do you sort of plan on accessing Super?","start_word":2429,"end_word":2447,"intents":[{"intent":"Confirm plan on super","confidence_score":0.00003483225}]},{"text":"Well, it just sort of depends on when you're planning on retire accessing the funds. So, obviously, as you get closer to the age of where you wanna draw the money at, you obviously wanna preserve your balance a bit more.","start_word":2544,"end_word":2584,"intents":[{"intent":"Preserve balance","confidence_score":0.068483375}]},{"text":"on the funds to reduce that volatility a bit. But if you plan on sort of working for over ten more years, you can still maintain that level of higher risk. Yep.","start_word":2625,"end_word":2656,"intents":[{"intent":"Reduce volatility","confidence_score":0.16429977},{"intent":"Maintain balance","confidence_score":0.0019600517},{"intent":"Reduce volatility","confidence_score":0.004409177}]},{"text":"Now if you did have a decrease by 20% just with what's going on, obviously, it's been a bit of a bad start in back end of last year in regards to war and everything that has occurred.","start_word":2657,"end_word":2694,"intents":[{"intent":"Discuss war","confidence_score":0.13213691}]},{"text":"And then over the longer term, what you're trying to achieve in terms of your investments, obviously, bigger is better, so we'll keep that. Now with the drop there, did it does it make you kind of, like, concerned at all or quite cautious or you're pretty, you know, just it is what it is like you said? Or Yeah.","start_word":2792,"end_word":2851,"intents":[{"intent":"Monitor investments","confidence_score":0.00055659184}]},{"text":"Now with that, you do hold quite the holdings in regards to the Australian equities. So you have about 40% in that Australian 200, which is quite high. It is obviously one of the indexes, so it just tracks what the markets are doing at the end of the day. But if that market's not performing to to crash hot, it does mean you do have 40% in that, and it does sort of reduce your diversification down a little bit.","start_word":3256,"end_word":3336,"intents":[{"intent":"Assess diversification","confidence_score":0.008427993}]},{"text":"Now as an option, we can review that portfolio to make an adjustment following that change as well, or we can leave that investment portfolio as it is to see how that Australian 200 does compared to the Benelong and how the markets recover after this war kind of sells down. Yeah.","start_word":3337,"end_word":3388,"intents":[{"intent":"Review portfolio","confidence_score":0.29496104}]},{"text":"Obviously, at any point, you can review that as long as you are aware that you do have about 40% in that Australian 200 investment.","start_word":3421,"end_word":3445,"intents":[{"intent":"Review portfolio performance","confidence_score":0.27966034}]},{"text":"But in regards to everything we have discussed there, Ash, is there any concerns, questions, or anything else you wanted to touch on a little bit more from the conversation?","start_word":3769,"end_word":3798,"intents":[{"intent":"Resolve concerns","confidence_score":0.0013695915}]},{"text":"If you don't have any questions for me now, I'll email off that lawyer information for you to have a look at, and I'll just Yep. see if there's any other outstanding requirements on your account.","start_word":4016,"end_word":4051,"intents":[{"intent":"Review and update lawyer information","confidence_score":0.0026769475}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Good afternoon, Ashley. It's Carl calling from Oakview Financial in regards to your scheduled booking.","start_word":0,"end_word":31,"sentiment":"neutral","sentiment_score":0.12246693670749664},{"text":"Thanks.","start_word":32,"end_word":32,"sentiment":"positive","sentiment_score":0.4558501839637756},{"text":"Please stay on the line. Hello? Good afternoon, Ashley. It's Kyle. How are you today? Hi. Good night. Hey. Hey. Yeah.","start_word":33,"end_word":53,"sentiment":"neutral","sentiment_score":0.2599905729293823},{"text":"Not too bad at all. Thank you for asking. I just scheduled in for you and your review. Is now still a good time for you?","start_word":54,"end_word":79,"sentiment":"positive","sentiment_score":0.449756383895874},{"text":"Yep.","start_word":80,"end_word":80,"sentiment":"neutral","sentiment_score":0.27322596311569214},{"text":"Perfect. Not a problem at all.","start_word":81,"end_word":86,"sentiment":"positive","sentiment_score":0.4162510931491852},{"text":"Just to get started on that one, if I could just pass you through security with that name, date of birth, and kinda just we can get stuck into that one today. 7th Of 5th 72. And 23 4th Avenue, Home Hill 4806. Perfect.","start_word":87,"end_word":130,"sentiment":"neutral","sentiment_score":0.2345786839723587},{"text":"Perfect. Thanks for that one there, Ashley.","start_word":131,"end_word":137,"sentiment":"positive","sentiment_score":0.6001309752464294},{"text":"I definitely know these calls are recorded for quality and training purposes there as well. Yep. And just in regards to everything there, Ashley, just because it has been a while since you've been able to speak to us there. Do you have any questions before we get started there today? No.","start_word":138,"end_word":189,"sentiment":"neutral","sentiment_score":0.1036449745297432},{"text":"I'm not really in this guy. Goddamn.","start_word":190,"end_word":196,"sentiment":"negative","sentiment_score":-0.44383519887924194},{"text":"They're gonna make a rise, so I'll I'll let you know. Okay. Not a problem at all. So what we'll do there today, and I've done a few of these before, we'll just go through and update the fact find, do a quick risk profile, and then I'll send out some documents there. It sounds like you are on the road or something, so don't feel like you have to open them. You can just sort of review them when you get home there Yeah. as well. Yep. Yep. No problem. So we'll send out that annual review pack now, though. So we'll be going to ashsmith7572@hotmail.com. Yep. Perfect. So with that one there, the two signable documents will be your ongoing service agreement if you were still happy to stay on board as a client. Your current, like, agreement has lapsed there, so you're not getting charged a fee currently. So this would just be to turn it back on for you to be our main client. We'd hope you sort of in line with your previous advice and then sort of any advice that sort of does come from this call or in future. Yep. In addition to that one there, you'll have a Vanguard index chart, a summary of just your superannuation there because you don't have any insurances there currently. In addition Not. to that, yeah, you'll also have the Oakview updated financial services guide and Oakview services guide there as well. So once you do get a chance there to review that one, if you were happy with the service and happy to stay on, it outlines the potential fee you'll pay for the next twelve months in regards to that in your balance, which is something Yep. to be mindful of when reviewing that. It'll give you, like, the estimated sort of monthly figure, which given your account is quite high there. So it'll be around the $550 as, like, a monthly basis because there's a percentage based fee. Yep.","start_word":197,"end_word":532,"sentiment":"neutral","sentiment_score":0.0921622392322336},{"text":"Perfect. So you'll be able to review those when you get home there.","start_word":533,"end_word":545,"sentiment":"positive","sentiment_score":0.43410736322402954},{"text":"But do you have any questions in regards to those documents or what's being sent out there today? No. No. No. I'll have to sit down and read through it. Yeah. Yeah. It's not a problem at all. So what we'll do now that Ashley was we'll just go through and update all your details, make sure that's all still up to date and correct there. So address doesn't change.","start_word":546,"end_word":615,"sentiment":"neutral","sentiment_score":0.06426101177930832},{"text":"That's great.","start_word":616,"end_word":617,"sentiment":"positive","sentiment_score":0.603022038936615},{"text":"Email's the same. I've got Vicky down here as your Nextiva King contact. Is that still correct? Vicky, was it? Yep. Yep. Yep. Yep. We don't actually have a number or anything, though, in the event that we couldn't reach you. Did you wanna put down, like, a number or an email that She would gets my emails, and I haven't I haven't got an on the semi phone, but yeah. that's probably fine. They're not provided. They might ask you at a later date just as regards Yep. to contact. It's only event that we couldn't reach you there, so that's fine. As far as your your job there, I know you were the farm manager. Is that still currently what you're doing? No. I work for myself now. Okay. And what are you doing at the moment? You wouldn't see not nothing coming in. In terms of I contributions? work for myself. Because you're a sole sole Yeah. trader. I'm a contractor. Yeah. Yeah. And is that still doing farm work? It's all to do with sugarcane. Yeah. Yeah. I I have a harvesting contract and a planning contract. Yeah. And with the planning contract, what does that entail? Sorry. We plant sugarcane as well. Oh, planting. Sorry. I thought you said planning. That's my bad. I just didn't hear you correctly. Yep. Not a problem. And then with that one there, now that you're doing your sole trader work, are you sort of in the office a little bit as well? Sort of how much in the office work are you doing versus, like, out in the field work? A little bit. Vicky does most of that. Yep. Not a problem. And then within regards to your name of your business, do you have a name for that yet? No. It's just yeah. Just trying on the line. I Yeah. Not a problem. And then as far as in the time since you've been doing the sole trader business, how long have you been doing that versus, like, your industry Be nearly got on a year. experience? Yep. And how long have you been doing, like, the farming work? Sorry. If you don't mind me asking, Ash. When I was well, I just owe for myself. Oh, Just as, like, industry whole, like, as in, like, how long have you been doing pharma? yeah. Since about 1999. Yep.","start_word":618,"end_word":1018,"sentiment":"neutral","sentiment_score":-0.0033376613408884503},{"text":"So definitely a bit of time under your belt. Yeah. Perfect.","start_word":1019,"end_word":1029,"sentiment":"positive","sentiment_score":0.40391162037849426},{"text":"And then as far as the hours you're doing at the moment, do you know roughly sort of each week what you're doing? No. It's all over the shop at the moment. Yeah. Yep. Hard to say. We've only just started our planning thing at the moment. It's all been too wet. So we've only just started today, but I do oh, plus maintenance and all the gear as well. Okay. So you do, like, your harvesting, planting, and, like, general maintenance, farm maintenance? General maintenance there on the harvester and the haul outs and everything else. No problem. And when work's sort of, like, going well and you are in, like, the stages of, like, planting or harvesting and things like that, do you sort of are you doing bigger weeks? Is it between, like, the forty and sixty hours? Or do you sort Oh, of cut yeah. Yeah. Evening. Yeah. We just go till it rains, sort of thing. your cover? Not a problem. And then with that at the moment, do you know roughly sort of what you're bringing in annually as the sole trader expected to bring in annually? Last core last six months, I think it was a 110,000. Yep. And then with that sort of for the back end Yeah. of the So year, so half do you a year. rec so do you reckon you're expected to make that in, like, another six months as well, like, around the 200 Yep. thousand will be Yep. your Yep. your annual income? Yep. Yep. Should be. Yeah. $2.20 per year minimum. And is that like, obviously, as a sole trader, that's everything's income unless it's an expenditure. Is that sort of taking into account the expenses Yeah. Yeah. going out? And I'll put expenses on top. Yeah. Yep. Do you know roughly what you'd sort of take home afterwards after the expenses are considered? No. Not really. Yeah. No. That's fine. And then as far as, like, your expenditure and savings per week at the moment there, Ash, do you know roughly what you're sort of putting in the bank versus what you're spending sort of each week? No. It's all over because, yeah, we haven't had an income for for a while now. Oh, we get bits and pieces. Yes. You'd have to get the whole year and average it out. Yeah. And do you plan on doing any contributions? Have you got an accountant that you work with that sort of Oh, will we be will be eventually, but, yeah, we're just sorting everything out at the moment. Yes. Not a problem. And do you have an account that's sort of doing everything in regards to, like, your past statements and everything like that? Oh, baths and everything. Yeah. Yeah. We have accounting Plus, oh, my wife does the baths, and we got a bookkeeper that helps her with that. Not a problem at all. And I'll just get some updated assets and liabilities there. So I know you had the house around $1.90. Is that sort of still roughly what it's worth? Yeah. Roughly. Yep. And do you know roughly what the the mortgage left owing on that one is? 80,000 on it. 80,000 was yeah. Yep. And then I know you had some work vehicles there totaling around a 100,000 sort of market. What sort of vehicles do you have at the moment? Yeah. Basically, the same ones. Probably got a couple extra trucks. Yep. And they also add up to around the $100,000 mark? Yeah. Yep. And then how much is left going on those at the moment? I think I need the plan as about 20 Yep. And I know you had a harvest that was around 80 with a bit owing. Have you managed to pay that off? thousand. Yeah. It's been paid off for a while.","start_word":1030,"end_word":1678,"sentiment":"neutral","sentiment_score":0.02809136044320138},{"text":"Yeah. Perfect.","start_word":1679,"end_word":1680,"sentiment":"positive","sentiment_score":0.593277633190155},{"text":"And then as far as your own personal vehicles, I know you had a couple cars worth around 30,000 as a total. Yeah. Is that still about right? Yep. Yep. And then in regards to your credit card, I know you had a a credit card that you sort of did accrue a bit of debt on, but managed to sort of paid down. Do you have any credit card debt at the moment? Yeah. About, probably 17,000. 70, was it? Sorry. 17,000 in debt. 17. And is that all on credit cards, or is that, like, a personal loan as well? Or No. Credit yep. And then with that, is that sort of you run everything through the business through card. that as well as sort of paying Yeah. it off? Or Yeah. yep. Mainly business. And do you have a bit of a savings account built up for a bit of a rainy day fund at the moment there? Yeah. We we pay extra on our home loan. Okay. Do you have an is that an offset or it's just all on the actual mortgage? Yeah. Yeah. It's extra we pay. Yeah. But that's not sitting in, like, an offset. It's, like, actually on the mortgage and, like, you can redraw it if you did want to? That's right. Yeah. Okay. No problem.","start_word":1681,"end_word":1905,"sentiment":"neutral","sentiment_score":0.00871696975082159},{"text":"Perfect.","start_word":1906,"end_word":1906,"sentiment":"positive","sentiment_score":0.34166330099105835},{"text":"And then as far as these questions are a little bit random, but they've just been added there. Have you ever declared bankruptcy or a part nine debt agreement at all there, Ash? Not that I know of. No. Perfect. And then as far as a tax resident, you're only a tax resident in Australia. Correct? Yep. Yep. And you're not involved in any sort of politics or any family in politics at all, are you? No. No. Perfect. And with regards to your health, I know you're a nonsmoker and didn't have any health issues there. Is that still largely been the same, though, unexpected hospital trips? Yeah. No. No. It's everything's fine.","start_word":1907,"end_word":2020,"sentiment":"neutral","sentiment_score":-0.005820743151401219},{"text":"Perfect.","start_word":2021,"end_word":2021,"sentiment":"positive","sentiment_score":0.5020394325256348},{"text":"No medications you're currently taking? No. Perfect. And do you hold private health cover at the moment, Dash? No. That's okay. And then with in regards to your state planning matters, have you managed to get a will sorted at all? No. No. I haven't. Yeah. No. It's fine. We can pass along some just local solicitors details here in regards to some information if you want that to have a look through in regards to their pricing and, like, just general information on wheels and estate planning. If you can have a read through that, just otherwise, you could find someone just local to yourself. Even if you sort of read through that, you don't have to go with this service there, a separate service to Oakview. It's just a a local solicitors where you can't obviously draw up wills. Yes. Yep. I'll get that emailed through to you. Now in regards to your goals and what you're trying to achieve at the moment there, I know you're potentially looking at reviewing your mortgage in a a few years once you paid down a little bit as well. And then you're also just sort of focusing on building up some money for retirement. Are there sort of still the goals you're working towards? Is there anything else you're working towards at the moment? No. Not at the moment. Play house off. Probably gonna build a shed and yeah. Yeah. So mainly build up the business, pay the house off, and build a shed? Yeah. And then in regards to insurances and you're not having any insurances, are you still comfortable not holding any life, TPD, IP, or Yeah. No. trauma? That's alright. Because if anything happens, all work cover and that sort sort that. Yeah. And do you still get work cover as a contractor or through do you Yeah. have insurances Yeah. You go. with your business? Yeah. Okay. Yeah. You have to.","start_word":2022,"end_word":2346,"sentiment":"neutral","sentiment_score":0.05180254509815803},{"text":"Perfect.","start_word":2347,"end_word":2347,"sentiment":"positive","sentiment_score":0.5890491008758545},{"text":"Now here we go to the next bit Yeah. there. We'll just quickly run through a risk profile and make sure that that's up to date with what we've currently got you invested in there and see how that lines up. Yep. So bear with me. I'll just run through these questions once it loads up there for me.","start_word":2348,"end_word":2406,"sentiment":"neutral","sentiment_score":0.10493569076061247},{"text":"Perfect.","start_word":2407,"end_word":2407,"sentiment":"positive","sentiment_score":0.4371549189090729},{"text":"Now I have here you've invested in direct shares previously. Did you used to have direct shares? Not. No. That's fine. And then with you being 55 now or turning 55, when do you sort of plan on accessing Super? Do you still plan on working to, like, the age of 67, or have you thought about and maybe Yeah. changed a bit? Be a pretty good chance. Yep. And then with inflation and the cost of living obviously going up and the level of risk to, like, obviously get returns within, like, superannuation, things like that, are you still willing to accept that higher amount of risk to outpace that inflation in regards to your investments? Yeah. I think so For a few more years. Yeah. Normally, they go to about 60, don't they? Yeah. Well, it just sort of depends on when you're planning on retire accessing the funds. So, obviously, as you get closer to the age of where you wanna draw the money at, you obviously wanna preserve your balance a bit more. While you're still, like, contributing and working, you can afford to take on a bit more risk. And then you sort of look at dialing it back as you get closer to retirement and wanting to draw Yep. down Yes. on the funds to reduce that volatility a bit. But if you plan on sort of working for over ten more years, you can still maintain that level of higher risk. Yep. Now if you did have a decrease by 20% just with what's going on, obviously, it's been a bit of a bad start in back end of last year in regards to war and everything that has occurred.","start_word":2408,"end_word":2694,"sentiment":"neutral","sentiment_score":-0.018754906952381138},{"text":"New Super has taken quite a bit of a drop in regards to that one.","start_word":2695,"end_word":2709,"sentiment":"negative","sentiment_score":-0.388974666595459},{"text":"Now if it was Yeah. to drop by, like, 20%, would that make you concerned? Would you wanna sort K. of shift to more defensive Well, I don't assets, think or the war would you had too much with it last year. Pardon? Something happened this year. Okay. It's what it is. Right? Yeah. And are you still happy, like, holding and waiting for it to come back and not sort of panic selling to anything? Yep. Yeah. No. That's fine.","start_word":2710,"end_word":2790,"sentiment":"neutral","sentiment_score":0.012133697047829628},{"text":"Perfect.","start_word":2791,"end_word":2791,"sentiment":"positive","sentiment_score":0.5361601114273071},{"text":"And then over the longer term, what you're trying to achieve in terms of your investments, obviously, bigger is better, so we'll keep that. Now with the drop there, did it does it make you kind of, like, concerned at all or quite cautious or you're pretty, you know, just it is what it is like you said? Or Yeah. Yeah. Not much we can do about it. Yep. That's fine. And in regards to borrowed money, would you ever put borrowed money into anything other than property? If circumstances were different, would you ever borrow to have, like, investments and things like that? Probably in the business, I would, but not at the moment. Yeah. No. That's fine. So that does bring out as a growth investor there, which is about an eighty twenty split. Now currently, you're in the high growth, which is about a ninety ten split of growth assets to defensive assets. Now with that, you can obviously if you plan on sort of working for another ten plus years, you can afford to still take on that level of higher risk with the high growth with a ninety ten split and then sort of maintaining that to try and get a little bit more growth over the longer term period out of your superannuation, if that makes sense. Yep. I'll do it again. Alright. Okay. Oh, so I I had to change a plan. Yeah. No. That's perfectly fine. And are you still comfortable with that high growth portfolio? Or like a high growth investment option at the moment Yeah. there? Yeah. Yeah. I've been for a couple more years. Yeah. I know.","start_word":2792,"end_word":3069,"sentiment":"neutral","sentiment_score":0.02343717488131935},{"text":"Perfect.","start_word":3070,"end_word":3070,"sentiment":"positive","sentiment_score":0.5978807210922241},{"text":"Now in regards to your investments, now as I said, and I'm not too sure from who you've spoken to previously before our discussion there, but you recently had quite a dip, not only just due to the wall, but because you had a Ben Long Australian equities fund in there for about 30% of your portfolio.","start_word":3071,"end_word":3127,"sentiment":"neutral","sentiment_score":-0.1180124431848526},{"text":"Now with that one and the markets and what did happen, they basically had an underlying asset that was done for not reporting correctly. So as a result of that one, it had to like, a market correction with having to reevaluate that stock and then the fund itself and then people, like, pulling some money out of that fund.","start_word":3128,"end_word":3187,"sentiment":"negative","sentiment_score":-0.3724344968795776},{"text":"Now as an Oakview business decision, they did switch that investment out for an alternative index option, which is passive in nature, so you don't have the risk of a manager picking and choosing winners. And then with that there, your portfolio has moved to a more passive approach and a cheaper ongoing cost. Now Yep. they did that record advice and that change for that singular asset. Now with that, you do hold quite the holdings in regards to the Australian equities. So you have about 40% in that Australian 200, which is quite high. It is obviously one of the indexes, so it just tracks what the markets are doing at the end of the day.","start_word":3188,"end_word":3305,"sentiment":"neutral","sentiment_score":0.13279472291469574},{"text":"But if that market's not performing to to crash hot, it does mean you do have 40% in that, and it does sort of reduce your diversification down a little bit.","start_word":3306,"end_word":3336,"sentiment":"negative","sentiment_score":-0.3553508520126343},{"text":"Now as an option, we can review that portfolio to make an adjustment following that change as well, or we can leave that investment portfolio as it is to see how that Australian 200 does compared to the Benelong and how the markets recover after this war kind of sells down. Yeah. Yep. Yep. Yep. Is that something you wanna do in terms of, like, reviewing it? Or No. I just yeah. I'll just leave it there for now, I think. okay. Yeah. Obviously, at any point, you can review that as long as you are aware that you do have about 40% in that Australian 200 investment. You can log on and have a look at your investments and see how comfortable you are with that and about 50% across international equities. And then you have some gold in there as well and a little bit of, like, cash holdings.","start_word":3337,"end_word":3487,"sentiment":"neutral","sentiment_score":0.07752246599619751},{"text":"But if the Australian markets do great, then fantastic. Your portfolio does great.","start_word":3488,"end_word":3500,"sentiment":"positive","sentiment_score":0.5784248113632202},{"text":"If the Australian market doesn't do too crash hot, then it will sort of impact your performance there, and then we can review it at any time. So if you see from three Yeah. to six months from now that your portfolio is not performing how you'd like it to, we can always review it at any point from that as well, Yep. Yep. if that makes sense. Did you want, like, a a six month follow-up to just see how things Yeah. are tracking I think there? so. I do a six month thing, and I'll get you to email them things so I can look at them. Yes. I have sent that off, so that should Alright. come through Okay. to you. Cool. Yeah. It should be in your email inbox. Obviously, in regards to performance, it's down, like, 4% for the year. Now majority of that did come because you had 30% in that bet along, but you'll be able to see on that too that has been sold and switched down to that Australian two hundred. So you won't hold any bet along moving forward, and then that's just from the investment committee making that recorded advice change there for you for your account. If we sort of do six month follow-up from now and you're not still happy with how things are moving with that change that from that switch for Bennelong, then obviously, we can review that portfolio if you're a bit busy now and focused on work. Yep. Yep. Yep.","start_word":3501,"end_word":3757,"sentiment":"neutral","sentiment_score":0.0056387884542346},{"text":"That'll be a good idea.","start_word":3758,"end_word":3762,"sentiment":"positive","sentiment_score":0.5155393481254578},{"text":"Yeah. Okay. Not a problem. But in regards to everything we have discussed there, Ash, is there any concerns, questions, or anything else you wanted to touch on a little bit more from the conversation? I'd have to I'd have to sit and have a look at it all, I think. Yeah.","start_word":3763,"end_word":3814,"sentiment":"neutral","sentiment_score":0.0622910620787969},{"text":"That's not a problem. If you do read through that and do you have any questions and wanna reach out, that's more than fine.","start_word":3815,"end_word":3838,"sentiment":"positive","sentiment_score":0.48449626564979553},{"text":"Yep. Obviously, in regards to that, I'll chuck you down for that six month follow-up there. Someone might follow you up in just regard to that DocuSign just because if you're not an ongoing client and still when if you don't have that ongoing service agreement. But otherwise, then we'll sort of be touching base on that six month mark to go over everything if you wanna leave it alone as is for now. Yep. Yeah. And then sort of given that six month mark anyway, given that you have been on board since, like, 2022, it's probably a good idea just to do a review of things anyway just given your time on board and probably Yes. just see if anything Alright. Yeah. does need updating. But, obviously, if you're you're right into your planning at the the moment, then you're probably a little bit busy and don't have the the time to do all this, which is more than fine there as well. Yep. Yep. Yep. Oh, that's fine.","start_word":3839,"end_word":4009,"sentiment":"neutral","sentiment_score":0.04511429741978645},{"text":"That'll be good.","start_word":4010,"end_word":4012,"sentiment":"positive","sentiment_score":0.49327707290649414},{"text":"Too easy, Ash. If you don't have any questions for me now, I'll email off that lawyer information for you to have a look at, and I'll just Yep. see if there's any other outstanding requirements on your account. I believe everything else is up to date. Your ID will expire, the one we've got on file at the end of the year, so they'll probably chase you up sort of towards the end of the year, start of next year to get that ID updated, but I think that's probably about it. Yep. Not a problem at all, Ash. Well, I'll Yep. let Yep. you get back to it. If you do have any questions in regards to contributions and things like that, obviously, you can reach out to your accountant. If you do want some just general queries and things like that, we're happy to answer some questions or if you need your contribution details for that Yeah. as well. Yeah. No.","start_word":4013,"end_word":4176,"sentiment":"neutral","sentiment_score":0.09057754169150097},{"text":"That'll be great. Too easy, Ash. Well, you enjoy the rest of your your Avo. Take it easy out there. Cheers. Bye.","start_word":4177,"end_word":4198,"sentiment":"positive","sentiment_score":0.6401484608650208},{"text":"Alright.","start_word":4199,"end_word":4199,"sentiment":"neutral","sentiment_score":0.24313947558403015}],"average":{"sentiment":"neutral","sentiment_score":0.04486463735173852}}}}