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Because I believe it's been quite a while now. I believe even your ongoing service screen turned off because, like, towards the middle to end of last year, we tried to contact you for your annual review. And then I believe then, yeah, end of last year, just before the Christmas break, you emailed in asking to have a conversation. And then, yeah, that which leads us to sort of now. Now did you have time to go through your any review today? Okay. Perfect. Just to get started on that there, Lisa, if I could just pass through security with that name, date of birth, and current address, we can get started on on that. Yep. Probably not given the time that has a lapse. I had the 355 address. Yep. And that new address would be yep. Perfect. And I know you owned your own house there. So have you sold and moved in that time as well? Bear with me. I'll just get all this updated there. And the postcode's 3040. Is that correct? Perfect. So with that one there, I will go through, and I'll update a few of your other details there as well. I'll run through the fact fine. We can have a bit of discussion around your portfolio performance there as well because I know that that was a concern, and we did wanna obviously address it towards the end of last year or sort of middle to end of last year. We're just unable to get ahold of you. So we're definitely, yeah, looking to do an update in regards to that as well, not only for what's occurring sort of in market times recently, but then also the the Benelung investment towards the end of last year. One of their underlying assets, corporate traveler, was done for not reporting correctly, which caused a significant drop in them as well. There are a couple other underperformance for the past twelve months, but that's mainly just due to the market events with what's happening in the global environment at the moment. The the hack cybersecurity side of things and the AI side of things has taken a bit of a dip, But the the team and the investment committee still has come to, like, confidence and conviction in those long term. So that's fine. They might be showing a bit of a loss now, but if anything, your contributions going in would be able to push them at a lower cost. But depending along, we're definitely looking to update and sort of remove to an alternative option, if that makes sense. Like, in Hub 24 itself or, like, just, you know, an underlying in there? Because Hub. Yeah. Well, Hub 24 is the platform that you use. The underlying investments can be changed on Hub 24. Are you just unhappy with Hub twenty four itself? Yeah. Yeah. A lot of that can be due just to the the investment portfolio, which is what we did when I update when we're sort of contacting you back you know, six months ago for your annual review and updating your investments within that. Because, obviously, Hub 24 is a platform and the usability of the platform obviously, the platform has its own platform costs and and fees associated with holding that, but that's sort of similar to any sort of retail platform, whereas the underlying investments what's get the the returns and the growth out of your superannuation, which is what we were looking to update, which we have to have the conversation for. I can't just go in and change your investments or underlying investments in the background there, Lisa? I have to have a, you know, do an interview, have the conversation, see what your risk tolerance is at, and then look at updating the underlying investments, if that makes sense. No. No. Like, just in terms of, like, Hub 24 itself isn't what gets you the returns. It's the underlying investments, which is what we were sort of looking to sorry? Yeah. So, like, a part of that is, like, we can't just change it without speaking to you. That's like, we have to provide a statement of advice. There are accounts or, like, separate managed accounts with Oakview does have one now, where they can change the underlying investments without having to consult with you first. Because at the moment, you hold, like, direct, like, ETF or exchange traded funds, which we have to notify you anytime we make a a product change and provide a statement of advice to illustrate that. Whereas with the separately managed accounts or the SMA, we just basically recommend that account and then the underlying investments within that, the investment committee alongside BlackRock, another sort of investment partner that they're doing it in conjunction with, can change the underlying investments where they regularly update that and they review it every sort of quarter to see if anything needs to change. And they can be a little bit more dynamic in changing things as opposed to, like, if we can't get a hold of you, if they were looking to remove Benelung at that stage, you know, they would have been able to make that change without able to get in contact with you and that sort of back and forth as well, if that makes sense. Where what was sorry? Yeah. Whereas, like, I'm still happy, like, following this conversation once we update all your details, goals, and and risk portfolio, we can look at just doing an update of your investments, still maintaining your own portfolio. You have a little bit more control over what goes into it and sort of the changes that can occur versus like an an SMA as well. Yep. Yep. So the investment can be monitored the portfolios, but as far as, like, making changes, you have to be notified of, like, changes to your underlying investments unless you were in one of those, like, separately managed accounts where they can change the underlying investments, if that makes sense. Yep. So so with that one, if you wanna sort of be a little bit more hands off and not have to deal with any sort of, like, changes and just have the investigating committee do updates as they sort of see fit, and you not have to be, like, contacted for that to sort of be a little bit more dynamic with what happens in the market to being able to make those changes. I can show you what that SMA looks like in terms of, like, the cost, its current returns, and then the benefits of that one, and any sort of cost of the CGT and things like that as well, and then illustrate what that sort of shows. Because at the moment, you do have quite a high allocation to that Ben Long Fund that didn't perform too well, like, come November there due to the underlying investment issue, which is high a high allocation to that active portion of your portfolio, which did significantly impact the performance for the last twelve months there as well, if that makes sense. Yep. So yep. Well, if you sort of just wanna have a look at what that update looks like with an account that you don't have to be as sort of involved in with any sort of updates that do occur, I'll show you what that looks like in a statement of advice piece. It may take a few weeks to put together, and then we'll just confirm your your details here in regards to the the fact finding your goals and do the risk profile. And then from there, we'll get started on that document for you. So in terms of that, you wouldn't be a client at, like, Oakview Financial anyway. You'd just be sort of managing your own superannuation. Now with that, in terms of doing it, all you'd have to do is basically set up the Australian super account, pick the investment choice that you want, and then from there, you can request your funds from Hub twenty four. Now it would take, you know, a few weeks to sort of sell down the assets you currently have within Hub twenty four and then going into an industry fund. There will be, like, CGT associated with that as well. And the the cost of that one, which we sorta can get the the figure for you as well. In addition to that one at the moment with everything that is going on, there is quite a bit of volatility in the market. So you just gotta be mindful of the risk that if the market sort of change while you're selling down to cash, you may lose out on some potential gains, or you might sort of also, you know, incur a few losses if the market was to jump up while you sold to cash while you were transferring over to Australian Super within that sort of two to three week period with going to cash and getting reinvested within Australian Super, if that makes sense. My super. Yeah. I also have a a retail platform similar to Hub twenty four. Yep. You can definitely have two super funds. It's not normally recommended if you don't have to because of the each platform has its own sort of administration fees and membership fees that you do have to pay. But, yeah, you can have more than one fund if you wanted to. Yeah. Yeah. Well, I can just start the the process now of them sort of yeah. And then that way, yeah, in a few months, it should sort of be ready to have another conversation where things are at and then show you what, like, it might look like to to update that. And you'd sorta I can book in another time just so we've got it in there as well. So you'd be sorta looking around maybe start of start of May to have another conversation around it. In terms of, like, the investment committee changing the investments? So that's it comes down to the Oakview Financial partner with BlackRock. I'm not too sure if you heard of that institution before, but they're quite a large investment institution, and they also have their own softwares that help sort of build portfolios and look to to future sort of outcomes. Now with that, it's not to say that, like, someone's just going in and having a play around with that. It is an investment committee meetings that do a core like, you know, monthly is a general meeting, and then quarterly, they review the portfolios and anything that needs changing within those separately managed accounts. And then they look to update it. Not to say that they're just gonna go in and change a bunch of things around. It just means that if they do sort of see sort of outcomes or different emerging markets that they do wanna sort of move towards and things like that, they regularly update the portfolio. And because it is like a pooled fund that you'd be a part of and have units in, much like, you know, Australian super and things like that, they'd be able to make those changes without having to contact you, get in touch, have a conversation, look at doing an update, providing you a statement of advice document to do any sort of minor changes to products. Because anytime we change a product or you're, like, investment option, we have to provide a statement of advice illustrating that and the sort of advantages, disadvantages so you can make that informed decision. Whereas when you buy into, like, an an SMA or strategic manager account or separately managed account, you're buying into the product that is account that is managed, and then they're able to make those changes under that so you're aware of, like, the risk of the the bat, if if that makes sense. Yeah. Yep. Yeah. I'll I'll get that started now, and then I'll book in that time for, say, May. I'll even try and get all the document and everything done to, like, not to put it at the top of the pile, but not to put it so low that it's not done by then either. And then sort of the May, I'll check it in my calendar to reach out a sort of similar time around 1PM your time. And then if you don't pick up, obviously, we'll just try and get in touch at another time. But I'll chuck that in, and then we'll get that started on the investment update. And I'll just quickly also run through your back find here in your risk profile just to see if there's anything else that needs adjusting there as well. Perfect. So I'll just update those details there quickly, so bear with me there. That's just taking a second to load back up. Now in regards to your email, is that still lisa.3@bigpond.com,2d's? That's changed as well? Okay. Maybe you have is it the lisa.wild355@gmail.com? Okay. I mean, it was just the old one in that. So they have done, like, a few business changes and updates and things as well. So a few things when consolidating to the newer workbooks has been mixed around a little bit, but that's more than fine. And I've got John here as your next of kin contact. Is that still correct? Perfect. I don't actually have any details, though, in the event that we couldn't reach you, though. Did you wanna track down a phone number and email? Yeah. Just in the event that we couldn't reach you, say, like, that you know, over that six month period where we couldn't really contact you, we just, like, sort of text or call John to see if there was a reason we couldn't. Okay. Yep. That's more than fine. Yeah. We can leave that blank. And as far as work, you're still in medical administrator? Yep. And as far as your work schedule, are you still permanent part time? Yep. And how many hours are you doing at the moment? Yep. And how long have you been doing that? Sorry. I just don't have it here for my records in terms of, like, industry experience. And then in regards to your income, do you know what your annual income is around at the moment? Yep. And as far as, like, a a budget there too, Lisa, do you know sort of what your expenses and savings looks like per week? Yes. No. No. That's fine. Yep. I'll do a little bit of math later and see how that sort of lines up. So that it doesn't make a huge impact if we're not doing any sort of cash flow on budgeting or contribution strategies or things like that. Yes. I can put that down as, like, a future goal, and then we can sorta, you know, see how you're going at, like, your next tenure review and see how you feel about it. I'll track that down. And that's $25 extra a week. That's salary sacrifice at the moment? Perfect. And then as far as any other contributions at the moment, are you making any other contributions? Yeah. No problem. And your part time contractor role, what's that in regards to? Yep. And how many hours a week do you sort of normally do that? And is it just running classes? Perfect. And how much do you reckon you bring home for that? And in regards to assets and liabilities, so with the house there and with the buying and the selling, do you know roughly the value of your new home? Yep. And is there anything iron on that one? Do you know the mortgage value currently? Yep. And just confirming too, you used to have a couple investment properties. Have you sold those now? Yep. And I've got a car worth around 20,000 here. Is that still similar to the car you've got now? Yep. And a boat worth 100,000? Hold the boat. And as far as, like, a savings account or any like, an offset account, do you hold a savings or offset account at the moment? Yep. And if you don't mind me asking, how much you got sitting in that at the moment? Yep. And are there any other assets or liabilities? Yep. Not a problem. And apologies if you answered these previously as well. It says the new workbooks. We're just getting everything up to date. But you've never declared bankruptcy or a part on debt agreement prior? Yep. And as far as smoker status, you're nonsmoker? Yep. And any significant health injuries or anything then that passed sort of Yep. Any medications currently? And do you hold private health insurance? Is that, like, hospitals and extras? Right. And as far as a will goes, have you managed around to getting a will sorted? Yeah. No. That's fine. Obviously, they are an important sort of tool when it comes to yeah. We can send through some lawyer information if you'd like just on a general sorta lawyer here that's just got a little information booklet from some general pricing on wheels and estates, if you'd like to have a look through that. Yeah. Yeah. Understandable. It's obviously one of those things you'd spit out of sight out of mind, but things do happen, unfortunately. And yeah. And things get messy quickly when it comes to money and family, unfortunately. It's more often than not. And these questions are a little bit random there, but are you a tax resident for any other forest foreign jurisdiction? Yep. And you're not involved in any sort of politics or any family in politics, are you? Yep. Bit of a random one, I know, but it's just to do with a bit of any money laundering and also just to make sure that, yeah, we're adequately protecting people that have their details out there online, so that's fine. And as far as goals are concerned, I know the main goal originally was, like, just paying down the mortgages and potentially having investment in the future. Where are you sort of standing when it comes to, you know, having an investment property again or, you know, another investment? Yep. Just happy to paying down the mortgage there. Yep. He's still sort of planning on, you know, buying a caravan, doing the trip around Australia. Is that sort of still the longer term goal? Yep. And in regards to any other goals that you're sort of working towards, Lisa, is there anything else that you're sort of working towards at the moment? Yep. Understandable. And then as far as insurances go, obviously, you've got a bit of debt there again. But are you sort of looking to review that at any point, or are you happy being more self insured and yep. Completely understandable. And then in regards to a risk profile, obviously, we'll quickly run through that. But you haven't had any direct shares since you last spoke to us, have you? Direct shares, like, held any direct shares? Yep. And then as far as inflation goes, so the cost of living sort of keeps creeping up there. Would you consider yourself still you know, take on that moderate to higher amount of risk to outpace inflation to get a bit of a return out of your your superannuation, not just being, like, investing in cash and getting the standard interest rate? So if you, like, sort of just had all your money in cash, you'd just get, like, you know, your general interest rate, which is generally the cash rate that the RBA set, so it depends on your bank a little bit. But to, you know, get a higher return and make sure that inflation isn't eating away at, like, your the gains or interest you earn on your money, you sometimes have to, you know, take on, you know, a bit more risk by having shares, you know, property, things like that within investments to get a higher return to make sure that your money is actually growing. Because obviously, a dollar today is worth more than a dollar tomorrow generally because, like, inflation keeps going up and the buying power just sort of keeps decreasing over time. So to make sure that your money is growing in sense that it's growing in value and then still has the same sort of buying capacity as well. You need to take on that little bit more risk, which is what that that's referring to. So would you consider yourself a little bit more of a moderate risk taker still or higher risk taker? Yep. And then after six months, if you did invest or change your investments and it did decrease by 20% just due to general financial market trends, say the the war continues on, would you sort of just wait and hold that out, or would you sort of be a bit concerned, maybe look to switching back to cash, things like that that are a bit more defensive or maybe even yep. Not a problem. And then in regards to your superannuation dropping, like, things through COVID and things like that, did that make you quite concerned? Or Yep. And then in regards to borrowed money, obviously, you've had borrowed money in regards to a few property and other things as well. Would you ever put borrowed money into anything else? Are you kind of done borrowing money at the moment? Yeah. No problem. So that does still bring you out as a growth investor there, Lisa, which is about that eightytwenty. So about 80¢ growth assets, about 20% defensive. Now in regards to that, we can obviously look at doing an update that's still in line with the growth portfolio, as I said, for when we're sort of touching base in a a month and a bit of their time. And then we can sort of run through that document, see if you're happy with everything. And then if you've got any questions from there or wanna look at something different as well, we can do that for you. So the the document, so I was just doing the research and putting it all together just with the the little bit of a backlog at the moment. It just take a couple weeks now just because we're you wanted to leave it alone and sort of touch base in a a month and a bit there anyway. We've just got it booked in for the May 5. And then if you were to sort of be happy with everything and then sort of look to to change it and accept that recommendation, then the change is, like, from you signing the document to do an investment switch. It, like, can be actioned that day or, like, the next day, and then from there. Well, just because you wanted to leave it alone there, I can sort of book you in closer, say, a week and a bit from now if you'd like to. And then no. Yes. Sorry. I thought you just meant the process of just starting the document and leaving things as with. So, yeah, to change yeah. Okay. No. To change the investments, we actually have to provide that document so I can book a time in sort of, you know, week and a bit there. So maybe Tuesday, the twenty fourth, even I'll book in for the same time, and then we can sort of provide you the document there. And then you can sort of make a decision if you'd like to undertake that investment update. Perfect. Now in regards to your annual review documents, because obviously, I don't have any of them prepared for you, so I can get them to send an annual review pack out with, like, obviously, the the twelve month performance and a few other documents there as well, which will also include that ongoing service agreement. Now, obviously, we are updating your advice. It has expired. So you haven't been paying us a fee, which is a bit good for you. It's obviously a bit of a discount. But in saying that, moving forward, if you were to sign that happy to stay on, at least for the the time being, it would start that fee again. Now it isn't a locking contract. So even if you did sign it in a month from now, you go, actually, I just wanna go back to an industry fund and just leave it as is, then you can just opt out of the service still. You don't, like, lock into a twelve month contract, if that makes sense. But it would still be that 1.65% ongoing fee of the the balance. Do you have any questions or concerns regarding that? Yeah. That's fine. As far as the performance for the last twelve month period, it is seeing only point 4%. That's largely due to what occurred with Benelong and what's happened the past few months with the war in Iran. Now in saying that, you know, being in a growth portfolio, you're still expected to have some bad years. So Bennelong coupled with what is happening in the the global climate as well is sort of what has occurred there. Now in terms of, like, losing money, I hasn't actually lost money in the last twelve months. I've been saying that we'll look to do an update that sorta is sort of better indicative of what's gonna occur potentially in the next sorta few years, the five to to seven year mark of holding, like, a a growth portfolio for you there, Lisa. And is there anything else that you want addressed in that document there or just the investment update? No. That's perfectly fine. But do you have any other questions for me that I haven't answered or anything today regarding that? Yep. Not a problem. Well, I'll just get a start on this now, and I've got you booked in for the twenty fourth there. If you do have any questions in the meantime or wanna have a chat about anything, feel free to just reach out, and I'm happy to answer those via email or not or to organize another phone call. As far as things we do need to update there, your ID is currently expired. So I can just send you an email if you can provide just an updated, like, driver's license front and back. We'll get that certified on file just to be able to provide you updated advice, if that makes sense. No problem at all, Lisa. Or you can actually just respond to that with the email chain that we've already got going there, if you don't mind, just with the the front and back license photo. And if I don't have it in a bit there, I'll just send you another reminder email. But if you don't have any questions for me, at least, I'll get a start on that one, and then we'll be chatting in a week and a bit there. Yep. If you, yeah, if you screenshot that, just make sure you've got the card number with that and then the the reference number for your license as well. I'm just trying to think for Victoria what's actually on there from from memory. I'll just have a quick look to see. There's some there's obviously the states are a little bit different. Bear with me two seconds. Because I believe there's two different numbers we'll need from the the card to ensure that Yeah. So there will just be a license number there, and then there'll also be a card number. The card number is generally a pay number with the the Victorian ones and then the license number. So as long as you capture that in the expiry Yep. Yep. Still here. No. That's perfectly fine. Yeah. So as long as it does have your license number and that that card number in the the screenshot there of that last night, that should be fine. And if, obviously, with the expiration date and your picture of yourself in it. No problem, Lisa. Any other questions for me there? No problem at all. Well, I'll let you get back to you today. Thanks for your time there. I know it was a little bit long winded there in the end, but we'll be speaking shortly as well. Thanks, Lisa. 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afternoon, Lisa. It's Carl calling from AC Financial. How are you today? Yeah. Not too bad at all.\n\nThank you for asking. I had you scheduled in for a bit of a catch up conversation. Yeah. Because I believe it's been quite a while now. I believe even your ongoing service screen turned off because, like, towards the middle to end of last year, we tried to contact you for your annual review.\n\nAnd then I believe then, yeah, end of last year, just before the Christmas break, you emailed in asking to have a conversation. And then, yeah, that which leads us to sort of now. Now did you have time to go through your any review today? Okay. Perfect.\n\nJust to get started on that there, Lisa, if I could just pass through security with that name, date of birth, and current address, we can get started on on that. Yep. Probably not given the time that has a lapse. I had the 355 address. Yep.\n\nAnd that new address would be yep. Perfect. And I know you owned your own house there. So have you sold and moved in that time as well? Bear with me.\n\nI'll just get all this updated there. And the postcode's 3040. Is that correct? Perfect. So with that one there, I will go through, and I'll update a few of your other details there as well.\n\nI'll run through the fact fine. We can have a bit of discussion around your portfolio performance there as well because I know that that was a concern, and we did wanna obviously address it towards the end of last year or sort of middle to end of last year. We're just unable to get ahold of you. So we're definitely, yeah, looking to do an update in regards to that as well, not only for what's occurring sort of in market times recently, but then also the the Benelung investment towards the end of last year. One of their underlying assets, corporate traveler, was done for not reporting correctly, which caused a significant drop in them as well.\n\nThere are a couple other underperformance for the past twelve months, but that's mainly just due to the market events with what's happening in the global environment at the moment. The the hack cybersecurity side of things and the AI side of things has taken a bit of a dip, But the the team and the investment committee still has come to, like, confidence and conviction in those long term. So that's fine. They might be showing a bit of a loss now, but if anything, your contributions going in would be able to push them at a lower cost. But depending along, we're definitely looking to update and sort of remove to an alternative option, if that makes sense.\n\nLike, in Hub 24 itself or, like, just, you know, an underlying in there? Because Hub. Yeah. Well, Hub 24 is the platform that you use. The underlying investments can be changed on Hub 24.\n\nAre you just unhappy with Hub twenty four itself? Yeah. Yeah. A lot of that can be due just to the the investment portfolio, which is what we did when I update when we're sort of contacting you back you know, six months ago for your annual review and updating your investments within that. Because, obviously, Hub 24 is a platform and the usability of the platform obviously, the platform has its own platform costs and and fees associated with holding that, but that's sort of similar to any sort of retail platform, whereas the underlying investments what's get the the returns and the growth out of your superannuation, which is what we were looking to update, which we have to have the conversation for.\n\nI can't just go in and change your investments or underlying investments in the background there, Lisa? I have to have a, you know, do an interview, have the conversation, see what your risk tolerance is at, and then look at updating the underlying investments, if that makes sense. No. No. Like, just in terms of, like, Hub 24 itself isn't what gets you the returns.\n\nIt's the underlying investments, which is what we were sort of looking to sorry? Yeah. So, like, a part of that is, like, we can't just change it without speaking to you. That's like, we have to provide a statement of advice. There are accounts or, like, separate managed accounts with Oakview does have one now, where they can change the underlying investments without having to consult with you first.\n\nBecause at the moment, you hold, like, direct, like, ETF or exchange traded funds, which we have to notify you anytime we make a a product change and provide a statement of advice to illustrate that. Whereas with the separately managed accounts or the SMA, we just basically recommend that account and then the underlying investments within that, the investment committee alongside BlackRock, another sort of investment partner that they're doing it in conjunction with, can change the underlying investments where they regularly update that and they review it every sort of quarter to see if anything needs to change. And they can be a little bit more dynamic in changing things as opposed to, like, if we can't get a hold of you, if they were looking to remove Benelung at that stage, you know, they would have been able to make that change without able to get in contact with you and that sort of back and forth as well, if that makes sense. Where what was sorry? Yeah.\n\nWhereas, like, I'm still happy, like, following this conversation once we update all your details, goals, and and risk portfolio, we can look at just doing an update of your investments, still maintaining your own portfolio. You have a little bit more control over what goes into it and sort of the changes that can occur versus like an an SMA as well. Yep. Yep. So the investment can be monitored the portfolios, but as far as, like, making changes, you have to be notified of, like, changes to your underlying investments unless you were in one of those, like, separately managed accounts where they can change the underlying investments, if that makes sense.\n\nYep. So so with that one, if you wanna sort of be a little bit more hands off and not have to deal with any sort of, like, changes and just have the investigating committee do updates as they sort of see fit, and you not have to be, like, contacted for that to sort of be a little bit more dynamic with what happens in the market to being able to make those changes. I can show you what that SMA looks like in terms of, like, the cost, its current returns, and then the benefits of that one, and any sort of cost of the CGT and things like that as well, and then illustrate what that sort of shows. Because at the moment, you do have quite a high allocation to that Ben Long Fund that didn't perform too well, like, come November there due to the underlying investment issue, which is high a high allocation to that active portion of your portfolio, which did significantly impact the performance for the last twelve months there as well, if that makes sense. Yep.\n\nSo yep. Well, if you sort of just wanna have a look at what that update looks like with an account that you don't have to be as sort of involved in with any sort of updates that do occur, I'll show you what that looks like in a statement of advice piece. It may take a few weeks to put together, and then we'll just confirm your your details here in regards to the the fact finding your goals and do the risk profile. And then from there, we'll get started on that document for you. So in terms of that, you wouldn't be a client at, like, Oakview Financial anyway.\n\nYou'd just be sort of managing your own superannuation. Now with that, in terms of doing it, all you'd have to do is basically set up the Australian super account, pick the investment choice that you want, and then from there, you can request your funds from Hub twenty four. Now it would take, you know, a few weeks to sort of sell down the assets you currently have within Hub twenty four and then going into an industry fund. There will be, like, CGT associated with that as well. And the the cost of that one, which we sorta can get the the figure for you as well.\n\nIn addition to that one at the moment with everything that is going on, there is quite a bit of volatility in the market. So you just gotta be mindful of the risk that if the market sort of change while you're selling down to cash, you may lose out on some potential gains, or you might sort of also, you know, incur a few losses if the market was to jump up while you sold to cash while you were transferring over to Australian Super within that sort of two to three week period with going to cash and getting reinvested within Australian Super, if that makes sense. My super. Yeah. I also have a a retail platform similar to Hub twenty four.\n\nYep. You can definitely have two super funds. It's not normally recommended if you don't have to because of the each platform has its own sort of administration fees and membership fees that you do have to pay. But, yeah, you can have more than one fund if you wanted to. Yeah.\n\nYeah. Well, I can just start the the process now of them sort of yeah. And then that way, yeah, in a few months, it should sort of be ready to have another conversation where things are at and then show you what, like, it might look like to to update that. And you'd sorta I can book in another time just so we've got it in there as well. So you'd be sorta looking around maybe start of start of May to have another conversation around it.\n\nIn terms of, like, the investment committee changing the investments? So that's it comes down to the Oakview Financial partner with BlackRock. I'm not too sure if you heard of that institution before, but they're quite a large investment institution, and they also have their own softwares that help sort of build portfolios and look to to future sort of outcomes. Now with that, it's not to say that, like, someone's just going in and having a play around with that. It is an investment committee meetings that do a core like, you know, monthly is a general meeting, and then quarterly, they review the portfolios and anything that needs changing within those separately managed accounts.\n\nAnd then they look to update it. Not to say that they're just gonna go in and change a bunch of things around. It just means that if they do sort of see sort of outcomes or different emerging markets that they do wanna sort of move towards and things like that, they regularly update the portfolio. And because it is like a pooled fund that you'd be a part of and have units in, much like, you know, Australian super and things like that, they'd be able to make those changes without having to contact you, get in touch, have a conversation, look at doing an update, providing you a statement of advice document to do any sort of minor changes to products. Because anytime we change a product or you're, like, investment option, we have to provide a statement of advice illustrating that and the sort of advantages, disadvantages so you can make that informed decision.\n\nWhereas when you buy into, like, an an SMA or strategic manager account or separately managed account, you're buying into the product that is account that is managed, and then they're able to make those changes under that so you're aware of, like, the risk of the the bat, if if that makes sense. Yeah. Yep. Yeah. I'll I'll get that started now, and then I'll book in that time for, say, May.\n\nI'll even try and get all the document and everything done to, like, not to put it at the top of the pile, but not to put it so low that it's not done by then either. And then sort of the May, I'll check it in my calendar to reach out a sort of similar time around 1PM your time. And then if you don't pick up, obviously, we'll just try and get in touch at another time. But I'll chuck that in, and then we'll get that started on the investment update. And I'll just quickly also run through your back find here in your risk profile just to see if there's anything else that needs adjusting there as well.\n\nPerfect. So I'll just update those details there quickly, so bear with me there. That's just taking a second to load back up. Now in regards to your email, is that still lisa.3@bigpond.com,2d's? That's changed as well?\n\nOkay. Maybe you have is it the lisa.wild355@gmail.com? Okay. I mean, it was just the old one in that. So they have done, like, a few business changes and updates and things as well.\n\nSo a few things when consolidating to the newer workbooks has been mixed around a little bit, but that's more than fine. And I've got John here as your next of kin contact. Is that still correct? Perfect. I don't actually have any details, though, in the event that we couldn't reach you, though.\n\nDid you wanna track down a phone number and email? Yeah. Just in the event that we couldn't reach you, say, like, that you know, over that six month period where we couldn't really contact you, we just, like, sort of text or call John to see if there was a reason we couldn't. Okay. Yep.\n\nThat's more than fine. Yeah. We can leave that blank. And as far as work, you're still in medical administrator? Yep.\n\nAnd as far as your work schedule, are you still permanent part time? Yep. And how many hours are you doing at the moment? Yep. And how long have you been doing that?\n\nSorry. I just don't have it here for my records in terms of, like, industry experience. And then in regards to your income, do you know what your annual income is around at the moment? Yep. And as far as, like, a a budget there too, Lisa, do you know sort of what your expenses and savings looks like per week?\n\nYes. No. No. That's fine. Yep.\n\nI'll do a little bit of math later and see how that sort of lines up. So that it doesn't make a huge impact if we're not doing any sort of cash flow on budgeting or contribution strategies or things like that. Yes. I can put that down as, like, a future goal, and then we can sorta, you know, see how you're going at, like, your next tenure review and see how you feel about it. I'll track that down.\n\nAnd that's $25 extra a week. That's salary sacrifice at the moment? Perfect. And then as far as any other contributions at the moment, are you making any other contributions? Yeah.\n\nNo problem. And your part time contractor role, what's that in regards to? Yep. And how many hours a week do you sort of normally do that? And is it just running classes?\n\nPerfect. And how much do you reckon you bring home for that? And in regards to assets and liabilities, so with the house there and with the buying and the selling, do you know roughly the value of your new home? Yep. And is there anything iron on that one?\n\nDo you know the mortgage value currently? Yep. And just confirming too, you used to have a couple investment properties. Have you sold those now? Yep.\n\nAnd I've got a car worth around 20,000 here. Is that still similar to the car you've got now? Yep. And a boat worth 100,000? Hold the boat.\n\nAnd as far as, like, a savings account or any like, an offset account, do you hold a savings or offset account at the moment? Yep. And if you don't mind me asking, how much you got sitting in that at the moment? Yep. And are there any other assets or liabilities?\n\nYep. Not a problem. And apologies if you answered these previously as well. It says the new workbooks. We're just getting everything up to date.\n\nBut you've never declared bankruptcy or a part on debt agreement prior? Yep. And as far as smoker status, you're nonsmoker? Yep. And any significant health injuries or anything then that passed sort of Yep.\n\nAny medications currently? And do you hold private health insurance? Is that, like, hospitals and extras? Right. And as far as a will goes, have you managed around to getting a will sorted?\n\nYeah. No. That's fine. Obviously, they are an important sort of tool when it comes to yeah. We can send through some lawyer information if you'd like just on a general sorta lawyer here that's just got a little information booklet from some general pricing on wheels and estates, if you'd like to have a look through that.\n\nYeah. Yeah. Understandable. It's obviously one of those things you'd spit out of sight out of mind, but things do happen, unfortunately. And yeah.\n\nAnd things get messy quickly when it comes to money and family, unfortunately. It's more often than not. And these questions are a little bit random there, but are you a tax resident for any other forest foreign jurisdiction? Yep. And you're not involved in any sort of politics or any family in politics, are you?\n\nYep. Bit of a random one, I know, but it's just to do with a bit of any money laundering and also just to make sure that, yeah, we're adequately protecting people that have their details out there online, so that's fine. And as far as goals are concerned, I know the main goal originally was, like, just paying down the mortgages and potentially having investment in the future. Where are you sort of standing when it comes to, you know, having an investment property again or, you know, another investment? Yep.\n\nJust happy to paying down the mortgage there. Yep. He's still sort of planning on, you know, buying a caravan, doing the trip around Australia. Is that sort of still the longer term goal? Yep.\n\nAnd in regards to any other goals that you're sort of working towards, Lisa, is there anything else that you're sort of working towards at the moment? Yep. Understandable. And then as far as insurances go, obviously, you've got a bit of debt there again. But are you sort of looking to review that at any point, or are you happy being more self insured and yep.\n\nCompletely understandable. And then in regards to a risk profile, obviously, we'll quickly run through that. But you haven't had any direct shares since you last spoke to us, have you? Direct shares, like, held any direct shares? Yep.\n\nAnd then as far as inflation goes, so the cost of living sort of keeps creeping up there. Would you consider yourself still you know, take on that moderate to higher amount of risk to outpace inflation to get a bit of a return out of your your superannuation, not just being, like, investing in cash and getting the standard interest rate? So if you, like, sort of just had all your money in cash, you'd just get, like, you know, your general interest rate, which is generally the cash rate that the RBA set, so it depends on your bank a little bit. But to, you know, get a higher return and make sure that inflation isn't eating away at, like, your the gains or interest you earn on your money, you sometimes have to, you know, take on, you know, a bit more risk by having shares, you know, property, things like that within investments to get a higher return to make sure that your money is actually growing. Because obviously, a dollar today is worth more than a dollar tomorrow generally because, like, inflation keeps going up and the buying power just sort of keeps decreasing over time.\n\nSo to make sure that your money is growing in sense that it's growing in value and then still has the same sort of buying capacity as well. You need to take on that little bit more risk, which is what that that's referring to. So would you consider yourself a little bit more of a moderate risk taker still or higher risk taker? Yep. And then after six months, if you did invest or change your investments and it did decrease by 20% just due to general financial market trends, say the the war continues on, would you sort of just wait and hold that out, or would you sort of be a bit concerned, maybe look to switching back to cash, things like that that are a bit more defensive or maybe even yep.\n\nNot a problem. And then in regards to your superannuation dropping, like, things through COVID and things like that, did that make you quite concerned? Or Yep. And then in regards to borrowed money, obviously, you've had borrowed money in regards to a few property and other things as well. Would you ever put borrowed money into anything else?\n\nAre you kind of done borrowing money at the moment? Yeah. No problem. So that does still bring you out as a growth investor there, Lisa, which is about that eightytwenty. So about 80¢ growth assets, about 20% defensive.\n\nNow in regards to that, we can obviously look at doing an update that's still in line with the growth portfolio, as I said, for when we're sort of touching base in a a month and a bit of their time. And then we can sort of run through that document, see if you're happy with everything. And then if you've got any questions from there or wanna look at something different as well, we can do that for you. So the the document, so I was just doing the research and putting it all together just with the the little bit of a backlog at the moment. It just take a couple weeks now just because we're you wanted to leave it alone and sort of touch base in a a month and a bit there anyway.\n\nWe've just got it booked in for the May 5. And then if you were to sort of be happy with everything and then sort of look to to change it and accept that recommendation, then the change is, like, from you signing the document to do an investment switch. It, like, can be actioned that day or, like, the next day, and then from there. Well, just because you wanted to leave it alone there, I can sort of book you in closer, say, a week and a bit from now if you'd like to. And then no.\n\nYes. Sorry. I thought you just meant the process of just starting the document and leaving things as with. So, yeah, to change yeah. Okay.\n\nNo. To change the investments, we actually have to provide that document so I can book a time in sort of, you know, week and a bit there. So maybe Tuesday, the twenty fourth, even I'll book in for the same time, and then we can sort of provide you the document there. And then you can sort of make a decision if you'd like to undertake that investment update. Perfect.\n\nNow in regards to your annual review documents, because obviously, I don't have any of them prepared for you, so I can get them to send an annual review pack out with, like, obviously, the the twelve month performance and a few other documents there as well, which will also include that ongoing service agreement. Now, obviously, we are updating your advice. It has expired. So you haven't been paying us a fee, which is a bit good for you. It's obviously a bit of a discount.\n\nBut in saying that, moving forward, if you were to sign that happy to stay on, at least for the the time being, it would start that fee again. Now it isn't a locking contract. So even if you did sign it in a month from now, you go, actually, I just wanna go back to an industry fund and just leave it as is, then you can just opt out of the service still. You don't, like, lock into a twelve month contract, if that makes sense. But it would still be that 1.65% ongoing fee of the the balance.\n\nDo you have any questions or concerns regarding that? Yeah. That's fine. As far as the performance for the last twelve month period, it is seeing only point 4%. That's largely due to what occurred with Benelong and what's happened the past few months with the war in Iran.\n\nNow in saying that, you know, being in a growth portfolio, you're still expected to have some bad years. So Bennelong coupled with what is happening in the the global climate as well is sort of what has occurred there. Now in terms of, like, losing money, I hasn't actually lost money in the last twelve months. I've been saying that we'll look to do an update that sorta is sort of better indicative of what's gonna occur potentially in the next sorta few years, the five to to seven year mark of holding, like, a a growth portfolio for you there, Lisa. And is there anything else that you want addressed in that document there or just the investment update?\n\nNo. That's perfectly fine. But do you have any other questions for me that I haven't answered or anything today regarding that? Yep. Not a problem.\n\nWell, I'll just get a start on this now, and I've got you booked in for the twenty fourth there. If you do have any questions in the meantime or wanna have a chat about anything, feel free to just reach out, and I'm happy to answer those via email or not or to organize another phone call. As far as things we do need to update there, your ID is currently expired. So I can just send you an email if you can provide just an updated, like, driver's license front and back. We'll get that certified on file just to be able to provide you updated advice, if that makes sense.\n\nNo problem at all, Lisa. Or you can actually just respond to that with the email chain that we've already got going there, if you don't mind, just with the the front and back license photo. And if I don't have it in a bit there, I'll just send you another reminder email. But if you don't have any questions for me, at least, I'll get a start on that one, and then we'll be chatting in a week and a bit there. Yep.\n\nIf you, yeah, if you screenshot that, just make sure you've got the card number with that and then the the reference number for your license as well. I'm just trying to think for Victoria what's actually on there from from memory. I'll just have a quick look to see. There's some there's obviously the states are a little bit different. Bear with me two seconds.\n\nBecause I believe there's two different numbers we'll need from the the card to ensure that Yeah. So there will just be a license number there, and then there'll also be a card number. The card number is generally a pay number with the the Victorian ones and then the license number. So as long as you capture that in the expiry Yep. Yep.\n\nStill here. No. That's perfectly fine. Yeah. So as long as it does have your license number and that that card number in the the screenshot there of that last night, that should be fine.\n\nAnd if, obviously, with the expiration date and your picture of yourself in it. No problem, Lisa. Any other questions for me there? No problem at all. Well, I'll let you get back to you today.\n\nThanks for your time there. I know it was a little bit long winded there in the end, but we'll be speaking shortly as well. Thanks, Lisa. Bye now.","paragraphs":[{"sentences":[{"text":"Good afternoon, Lisa.","start":2.96,"end":3.84,"sentiment":"positive","sentiment_score":0.5430505673090616},{"text":"It's Carl calling from AC Financial.","start":3.84,"end":5.52,"sentiment":"positive","sentiment_score":0.3688087562719981},{"text":"How are you today?","start":5.52,"end":6.42,"sentiment":"positive","sentiment_score":0.3866543248295784},{"text":"Yeah.","start":8.4,"end":8.72,"sentiment":"neutral","sentiment_score":0.2862488627433777},{"text":"Not too bad at all.","start":8.72,"end":9.599999,"sentiment":"positive","sentiment_score":0.3727782130241394}],"sentiment":"positive","sentiment_score":0.39677691930218745,"num_words":19,"start":2.96,"end":9.599999},{"sentences":[{"text":"Thank you for asking.","start":9.599999,"end":10.639999,"sentiment":"positive","sentiment_score":0.7202716618776321},{"text":"I had you scheduled in for a bit of a catch up conversation.","start":10.639999,"end":12.98,"sentiment":"positive","sentiment_score":0.3744287330370683},{"text":"Yeah.","start":23.735,"end":24.235,"sentiment":"neutral","sentiment_score":0.0010168887674808502},{"text":"Because I believe it's been quite a while now.","start":24.295,"end":26.775,"sentiment":"neutral","sentiment_score":-0.06647680906785859},{"text":"I believe even your ongoing service screen turned off because, like, towards the middle to end of last year, we tried to contact you for your annual review.","start":26.775,"end":33.7,"sentiment":"neutral","sentiment_score":-0.14003523306122848}],"sentiment":"neutral","sentiment_score":0.05873453197154132,"num_words":55,"start":9.599999,"end":33.7},{"sentences":[{"text":"And then I believe then, yeah, end of last year, just before the Christmas break, you emailed in asking to have a conversation.","start":33.920002,"end":39.940002,"sentiment":"neutral","sentiment_score":-0.004352758274130199},{"text":"And then, yeah, that which leads us to sort of now.","start":40.485,"end":43.305,"sentiment":"neutral","sentiment_score":-0.022390610792420128},{"text":"Now did you have time to go through your any review today?","start":43.765,"end":48.265,"sentiment":"neutral","sentiment_score":-0.0010574326540033023},{"text":"Okay.","start":51.285,"end":51.605,"sentiment":"neutral","sentiment_score":0.30176788568496704},{"text":"Perfect.","start":51.605,"end":52.105,"sentiment":"positive","sentiment_score":0.5058400630950928}],"sentiment":"neutral","sentiment_score":0.009343929123133421,"num_words":48,"start":33.920002,"end":52.105},{"sentences":[{"text":"Just to get started on that there, Lisa, if I could just pass through security with that name, date of birth, and current address, we can get started on on that.","start":52.165,"end":58.44,"sentiment":"neutral","sentiment_score":0.26119697093963623},{"text":"Yep.","start":60.579998,"end":61.079998,"sentiment":"neutral","sentiment_score":0.033140622079372406},{"text":"Probably not given the time that has a lapse.","start":70.835,"end":72.835,"sentiment":"neutral","sentiment_score":-0.14026089592112434},{"text":"I had the 355 address.","start":72.835,"end":76.135,"sentiment":"neutral","sentiment_score":-0.015146811120212078},{"text":"Yep.","start":80.53,"end":80.93,"sentiment":"neutral","sentiment_score":0.02645963989198208}],"sentiment":"neutral","sentiment_score":0.14507711153635952,"num_words":47,"start":52.165,"end":80.93},{"sentences":[{"text":"And that new address would be yep.","start":80.93,"end":85.99,"sentiment":"neutral","sentiment_score":0.03752985596656799},{"text":"Perfect.","start":96.945,"end":97.445,"sentiment":"neutral","sentiment_score":0.2988617420196533},{"text":"And I know you owned your own house there.","start":98.305,"end":101.265,"sentiment":"neutral","sentiment_score":0.07591630518436432},{"text":"So have you sold and moved in that time as well?","start":101.265,"end":104.16,"sentiment":"neutral","sentiment_score":0.043817898935892365},{"text":"Bear with me.","start":107.36,"end":108.0,"sentiment":"neutral","sentiment_score":0.04786218951145808}],"sentiment":"neutral","sentiment_score":0.06033551410561608,"num_words":31,"start":80.93,"end":108.0},{"sentences":[{"text":"I'll just get all this updated there.","start":108.0,"end":110.26,"sentiment":"neutral","sentiment_score":0.09373333517994199},{"text":"And the postcode's 3040.","start":110.32001,"end":112.48,"sentiment":"neutral","sentiment_score":0.05573045089840889},{"text":"Is that correct?","start":112.48,"end":113.3,"sentiment":"neutral","sentiment_score":0.06553235401709874},{"text":"Perfect.","start":117.935005,"end":118.435005,"sentiment":"positive","sentiment_score":0.4877637922763825},{"text":"So with that one there, I will go through, and I'll update a few of your other details there as well.","start":120.095,"end":126.415,"sentiment":"neutral","sentiment_score":0.2397911371219726}],"sentiment":"neutral","sentiment_score":0.18330638565950924,"num_words":36,"start":108.0,"end":126.415},{"sentences":[{"text":"I'll run through the fact fine.","start":126.415,"end":127.695,"sentiment":"neutral","sentiment_score":0.11046904635926087},{"text":"We can have a bit of discussion around your portfolio performance there as well because I know that that was a concern, and we did wanna obviously address it towards the end of last year or sort of middle to end of last year.","start":127.695,"end":139.34999,"sentiment":"neutral","sentiment_score":-0.04374757337129929},{"text":"We're just unable to get ahold of you.","start":139.34999,"end":141.03,"sentiment":"neutral","sentiment_score":-0.28302501514554024},{"text":"So we're definitely, yeah, looking to do an update in regards to that as well, not only for what's occurring sort of in market times recently, but then also the the Benelung investment towards the end of last year.","start":141.03,"end":153.025,"sentiment":"neutral","sentiment_score":-0.06057922195834227},{"text":"One of their underlying assets, corporate traveler, was done for not reporting correctly, which caused a significant drop in them as well.","start":153.08499,"end":159.425,"sentiment":"negative","sentiment_score":-0.3860378441485492}],"sentiment":"neutral","sentiment_score":-0.12085463276461643,"num_words":119,"start":126.415,"end":159.425},{"sentences":[{"text":"There are a couple other underperformance for the past twelve months, but that's mainly just due to the market events with what's happening in the global environment at the moment.","start":159.93,"end":168.91,"sentiment":"negative","sentiment_score":-0.3934670661886533},{"text":"The the hack cybersecurity side of things and the AI side of things has taken a bit of a dip, But the the team and the investment committee still has come to, like, confidence and conviction in those long term.","start":170.33,"end":180.815,"sentiment":"neutral","sentiment_score":-0.03794174715876579},{"text":"So that's fine.","start":181.195,"end":182.155,"sentiment":"neutral","sentiment_score":0.27032505472501117},{"text":"They might be showing a bit of a loss now, but if anything, your contributions going in would be able to push them at a lower cost.","start":182.155,"end":188.25,"sentiment":"neutral","sentiment_score":-0.047509280067903024},{"text":"But depending along, we're definitely looking to update and sort of remove to an alternative option, if that makes sense.","start":188.25,"end":197.39,"sentiment":"neutral","sentiment_score":0.013815704500302672}],"sentiment":"neutral","sentiment_score":-0.11264285983052105,"num_words":120,"start":159.93,"end":197.39},{"sentences":[{"text":"Like, in Hub 24 itself or, like, just, you know, an underlying in there?","start":204.265,"end":207.885,"sentiment":"neutral","sentiment_score":0.005895232648721763},{"text":"Because Hub.","start":209.945,"end":210.75,"sentiment":"neutral","sentiment_score":0.013962327502667904},{"text":"Yeah.","start":211.79,"end":212.11,"sentiment":"neutral","sentiment_score":0.033002108335494995},{"text":"Well, Hub 24 is the platform that you use.","start":212.11,"end":215.73,"sentiment":"neutral","sentiment_score":0.05771627049479219},{"text":"The underlying investments can be changed on Hub 24.","start":216.35,"end":218.91,"sentiment":"neutral","sentiment_score":0.039498391871651016}],"sentiment":"neutral","sentiment_score":0.029096913763454982,"num_words":35,"start":204.265,"end":218.91},{"sentences":[{"text":"Are you just unhappy with Hub twenty four itself?","start":218.91,"end":221.17,"sentiment":"neutral","sentiment_score":-0.22847534550560844},{"text":"Yeah.","start":230.205,"end":230.285,"sentiment":"neutral","sentiment_score":-0.06132679805159569},{"text":"Yeah.","start":230.285,"end":230.685,"sentiment":"neutral","sentiment_score":-0.025974739342927933},{"text":"A lot of that can be due just to the the investment portfolio, which is what we did when I update when we're sort of contacting you back you know, six months ago for your annual review and updating your investments within that.","start":230.685,"end":243.11,"sentiment":"neutral","sentiment_score":0.0207807733135861},{"text":"Because, obviously, Hub 24 is a platform and the usability of the platform obviously, the platform has its own platform costs and and fees associated with holding that, but that's sort of similar to any sort of retail platform, whereas the underlying investments what's get the the returns and the growth out of your superannuation, which is what we were looking to update, which we have to have the conversation for.","start":243.11,"end":266.165,"sentiment":"neutral","sentiment_score":0.06378505155968835}],"sentiment":"neutral","sentiment_score":0.0262298581302166,"num_words":125,"start":218.91,"end":266.165},{"sentences":[{"text":"I can't just go in and change your investments or underlying investments in the background there, Lisa?","start":266.545,"end":271.43,"sentiment":"neutral","sentiment_score":-0.20651415954617894},{"text":"I have to have a, you know, do an interview, have the conversation, see what your risk tolerance is at, and then look at updating the underlying investments, if that makes sense.","start":271.43,"end":279.37,"sentiment":"neutral","sentiment_score":-0.1205621452536434},{"text":"No.","start":285.845,"end":286.00497,"sentiment":"negative","sentiment_score":-0.3657374083995819},{"text":"No.","start":286.00497,"end":286.16498,"sentiment":"negative","sentiment_score":-0.38869455456733704},{"text":"Like, just in terms of, like, Hub 24 itself isn't what gets you the returns.","start":286.16498,"end":290.16498,"sentiment":"neutral","sentiment_score":-0.18629769782225292}],"sentiment":"neutral","sentiment_score":-0.1654185877379143,"num_words":66,"start":266.545,"end":290.16498},{"sentences":[{"text":"It's the underlying investments, which is what we were sort of looking to sorry?","start":290.16498,"end":298.64,"sentiment":"neutral","sentiment_score":-0.10409013767327581},{"text":"Yeah.","start":298.64,"end":298.96,"sentiment":"neutral","sentiment_score":-0.034495748579502106},{"text":"So, like, a part of that is, like, we can't just change it without speaking to you.","start":298.96,"end":303.28,"sentiment":"neutral","sentiment_score":-0.08555426492410548},{"text":"That's like, we have to provide a statement of advice.","start":303.28,"end":305.76,"sentiment":"neutral","sentiment_score":0.028621847182512282},{"text":"There are accounts or, like, separate managed accounts with Oakview does have one now, where they can change the underlying investments without having to consult with you first.","start":305.76,"end":315.675,"sentiment":"neutral","sentiment_score":0.0776117883090462}],"sentiment":"neutral","sentiment_score":-0.0069547376462391446,"num_words":70,"start":290.16498,"end":315.675},{"sentences":[{"text":"Because at the moment, you hold, like, direct, like, ETF or exchange traded funds, which we have to notify you anytime we make a a product change and provide a statement of advice to illustrate that.","start":316.375,"end":327.57,"sentiment":"neutral","sentiment_score":0.1410351803319322},{"text":"Whereas with the separately managed accounts or the SMA, we just basically recommend that account and then the underlying investments within that, the investment committee alongside BlackRock, another sort of investment partner that they're doing it in conjunction with, can change the underlying investments where they regularly update that and they review it every sort of quarter to see if anything needs to change.","start":327.87,"end":351.26,"sentiment":"neutral","sentiment_score":0.20554116007406265},{"text":"And they can be a little bit more dynamic in changing things as opposed to, like, if we can't get a hold of you, if they were looking to remove Benelung at that stage, you know, they would have been able to make that change without able to get in contact with you and that sort of back and forth as well, if that makes sense.","start":351.32,"end":365.61502,"sentiment":"neutral","sentiment_score":-0.01080558036990238},{"text":"Where what was sorry?","start":368.23502,"end":370.265,"sentiment":"neutral","sentiment_score":-0.16525908932089806},{"text":"Yeah.","start":372.41,"end":372.72998,"sentiment":"neutral","sentiment_score":0.08963088691234589}],"sentiment":"neutral","sentiment_score":0.09910717521581733,"num_words":171,"start":316.375,"end":372.72998},{"sentences":[{"text":"Whereas, like, I'm still happy, like, following this conversation once we update all your details, goals, and and risk portfolio, we can look at just doing an update of your investments, still maintaining your own portfolio.","start":372.72998,"end":387.125,"sentiment":"positive","sentiment_score":0.3562227528956201},{"text":"You have a little bit more control over what goes into it and sort of the changes that can occur versus like an an SMA as well.","start":387.125,"end":394.025,"sentiment":"neutral","sentiment_score":0.25168874749430903},{"text":"Yep.","start":404.25998,"end":404.75998,"sentiment":"neutral","sentiment_score":-0.12710201740264893},{"text":"Yep.","start":409.86,"end":410.36,"sentiment":"neutral","sentiment_score":-0.01871310733258724},{"text":"So the investment can be monitored the portfolios, but as far as, like, making changes, you have to be notified of, like, changes to your underlying investments unless you were in one of those, like, separately managed accounts where they can change the underlying investments, if that makes sense.","start":423.81,"end":439.545,"sentiment":"neutral","sentiment_score":0.002063917186187238}],"sentiment":"neutral","sentiment_score":0.1717099307366369,"num_words":114,"start":372.72998,"end":439.545},{"sentences":[{"text":"Yep.","start":459.0,"end":459.32,"sentiment":"neutral","sentiment_score":-0.06570939719676971},{"text":"So so with that one, if you wanna sort of be a little bit more hands off and not have to deal with any sort of, like, changes and just have the investigating committee do updates as they sort of see fit, and you not have to be, like, contacted for that to sort of be a little bit more dynamic with what happens in the market to being able to make those changes.","start":459.32,"end":477.505,"sentiment":"neutral","sentiment_score":0.3039726947207709},{"text":"I can show you what that SMA looks like in terms of, like, the cost, its current returns, and then the benefits of that one, and any sort of cost of the CGT and things like that as well, and then illustrate what that sort of shows.","start":478.125,"end":493.39,"sentiment":"positive","sentiment_score":0.37614378681842314},{"text":"Because at the moment, you do have quite a high allocation to that Ben Long Fund that didn't perform too well, like, come November there due to the underlying investment issue, which is high a high allocation to that active portion of your portfolio, which did significantly impact the performance for the last twelve months there as well, if that makes sense.","start":493.39,"end":515.72,"sentiment":"neutral","sentiment_score":-0.0736655266054215},{"text":"Yep.","start":518.1,"end":518.33997,"sentiment":"neutral","sentiment_score":-0.010236131027340887}],"sentiment":"neutral","sentiment_score":0.1920515092542848,"num_words":185,"start":459.0,"end":518.33997},{"sentences":[{"text":"So yep.","start":518.33997,"end":525.65497,"sentiment":"neutral","sentiment_score":-0.017492102459073067},{"text":"Well, if you sort of just wanna have a look at what that update looks like with an account that you don't have to be as sort of involved in with any sort of updates that do occur, I'll show you what that looks like in a statement of advice piece.","start":526.035,"end":538.57,"sentiment":"neutral","sentiment_score":0.07433401552193306},{"text":"It may take a few weeks to put together, and then we'll just confirm your your details here in regards to the the fact finding your goals and do the risk profile.","start":538.57,"end":546.33,"sentiment":"neutral","sentiment_score":0.11230586748570204},{"text":"And then from there, we'll get started on that document for you.","start":546.33,"end":549.825,"sentiment":"neutral","sentiment_score":0.056422635757674776},{"text":"So in terms of that, you wouldn't be a client at, like, Oakview Financial anyway.","start":557.34503,"end":561.505,"sentiment":"neutral","sentiment_score":0.018724725892146427}],"sentiment":"neutral","sentiment_score":0.07417661485461784,"num_words":112,"start":518.33997,"end":561.505},{"sentences":[{"text":"You'd just be sort of managing your own superannuation.","start":561.505,"end":563.365,"sentiment":"neutral","sentiment_score":0.05654294623268975},{"text":"Now with that, in terms of doing it, all you'd have to do is basically set up the Australian super account, pick the investment choice that you want, and then from there, you can request your funds from Hub twenty four.","start":564.06995,"end":576.47,"sentiment":"neutral","sentiment_score":0.18952066978303397},{"text":"Now it would take, you know, a few weeks to sort of sell down the assets you currently have within Hub twenty four and then going into an industry fund.","start":576.47,"end":584.675,"sentiment":"neutral","sentiment_score":0.07708021514117717},{"text":"There will be, like, CGT associated with that as well.","start":584.675,"end":587.975,"sentiment":"neutral","sentiment_score":0.07392040714621544},{"text":"And the the cost of that one, which we sorta can get the the figure for you as well.","start":588.755,"end":593.015,"sentiment":"neutral","sentiment_score":0.10552193106789338}],"sentiment":"neutral","sentiment_score":0.12234643296500959,"num_words":109,"start":561.505,"end":593.015},{"sentences":[{"text":"In addition to that one at the moment with everything that is going on, there is quite a bit of volatility in the market.","start":593.81,"end":598.37,"sentiment":"neutral","sentiment_score":-0.25217963693042594},{"text":"So you just gotta be mindful of the risk that if the market sort of change while you're selling down to cash, you may lose out on some potential gains, or you might sort of also, you know, incur a few losses if the market was to jump up while you sold to cash while you were transferring over to Australian Super within that sort of two to three week period with going to cash and getting reinvested within Australian Super, if that makes sense.","start":598.37,"end":621.665,"sentiment":"neutral","sentiment_score":-0.2585106519215247},{"text":"My super.","start":626.65,"end":627.47003,"sentiment":"neutral","sentiment_score":0.1686089187860489},{"text":"Yeah.","start":627.85,"end":628.17,"sentiment":"neutral","sentiment_score":0.1864296793937683},{"text":"I also have a a retail platform similar to Hub twenty four.","start":628.17,"end":632.11,"sentiment":"neutral","sentiment_score":0.17278536781668663}],"sentiment":"neutral","sentiment_score":-0.20506971587817516,"num_words":124,"start":593.81,"end":632.11},{"sentences":[{"text":"Yep.","start":635.625,"end":635.945,"sentiment":"neutral","sentiment_score":0.2228316068649292},{"text":"You can definitely have two super funds.","start":635.945,"end":637.965,"sentiment":"positive","sentiment_score":0.34876350845609394},{"text":"It's not normally recommended if you don't have to because of the each platform has its own sort of administration fees and membership fees that you do have to pay.","start":638.025,"end":647.72504,"sentiment":"neutral","sentiment_score":-0.026403575390577316},{"text":"But, yeah, you can have more than one fund if you wanted to.","start":648.66504,"end":653.02997,"sentiment":"neutral","sentiment_score":0.11866887085712872},{"text":"Yeah.","start":653.73,"end":654.23,"sentiment":"neutral","sentiment_score":0.06540527939796448}],"sentiment":"neutral","sentiment_score":0.0669263366323251,"num_words":52,"start":635.625,"end":654.23},{"sentences":[{"text":"Yeah.","start":672.065,"end":672.305,"sentiment":"neutral","sentiment_score":0.096248060464859},{"text":"Well, I can just start the the process now of them sort of yeah.","start":672.305,"end":676.42004,"sentiment":"neutral","sentiment_score":0.12209698664290565},{"text":"And then that way, yeah, in a few months, it should sort of be ready to have another conversation where things are at and then show you what, like, it might look like to to update that.","start":676.42004,"end":684.84,"sentiment":"neutral","sentiment_score":0.27848187209786596},{"text":"And you'd sorta I can book in another time just so we've got it in there as well.","start":685.78,"end":690.60504,"sentiment":"neutral","sentiment_score":0.2518100084529983},{"text":"So you'd be sorta looking around maybe start of start of May to have another conversation around it.","start":690.905,"end":697.405,"sentiment":"neutral","sentiment_score":0.06887742856310473}],"sentiment":"neutral","sentiment_score":0.2032023750838231,"num_words":88,"start":672.065,"end":697.405},{"sentences":[{"text":"In terms of, like, the investment committee changing the investments?","start":704.83997,"end":707.5,"sentiment":"neutral","sentiment_score":0.047694755159318446},{"text":"So that's it comes down to the Oakview Financial partner with BlackRock.","start":711.95996,"end":716.665,"sentiment":"neutral","sentiment_score":0.03685711262126764},{"text":"I'm not too sure if you heard of that institution before, but they're quite a large investment institution, and they also have their own softwares that help sort of build portfolios and look to to future sort of outcomes.","start":716.665,"end":731.01996,"sentiment":"neutral","sentiment_score":0.019696136041042898},{"text":"Now with that, it's not to say that, like, someone's just going in and having a play around with that.","start":731.39996,"end":735.88,"sentiment":"neutral","sentiment_score":0.022245906200259923},{"text":"It is an investment committee meetings that do a core like, you know, monthly is a general meeting, and then quarterly, they review the portfolios and anything that needs changing within those separately managed accounts.","start":735.88,"end":746.105,"sentiment":"neutral","sentiment_score":0.12135763594082423}],"sentiment":"neutral","sentiment_score":0.05499842750502686,"num_words":116,"start":704.83997,"end":746.105},{"sentences":[{"text":"And then they look to update it.","start":746.485,"end":748.165,"sentiment":"neutral","sentiment_score":0.18945712063993728},{"text":"Not to say that they're just gonna go in and change a bunch of things around.","start":748.165,"end":751.065,"sentiment":"neutral","sentiment_score":0.13982292544096708},{"text":"It just means that if they do sort of see sort of outcomes or different emerging markets that they do wanna sort of move towards and things like that, they regularly update the portfolio.","start":751.365,"end":759.80005,"sentiment":"neutral","sentiment_score":0.23025254423127456},{"text":"And because it is like a pooled fund that you'd be a part of and have units in, much like, you know, Australian super and things like that, they'd be able to make those changes without having to contact you, get in touch, have a conversation, look at doing an update, providing you a statement of advice document to do any sort of minor changes to products.","start":759.80005,"end":776.885,"sentiment":"neutral","sentiment_score":0.27462994001472174},{"text":"Because anytime we change a product or you're, like, investment option, we have to provide a statement of advice illustrating that and the sort of advantages, disadvantages so you can make that informed decision.","start":776.885,"end":786.89,"sentiment":"neutral","sentiment_score":0.13853298270088785}],"sentiment":"neutral","sentiment_score":0.21836886422920831,"num_words":158,"start":746.485,"end":786.89},{"sentences":[{"text":"Whereas when you buy into, like, an an SMA or strategic manager account or separately managed account, you're buying into the product that is account that is managed, and then they're able to make those changes under that so you're aware of, like, the risk of the the bat, if if that makes sense.","start":786.89,"end":805.115,"sentiment":"neutral","sentiment_score":0.0286806446534616},{"text":"Yeah.","start":807.895,"end":808.395,"sentiment":"neutral","sentiment_score":0.17929375171661377},{"text":"Yep.","start":811.815,"end":812.315,"sentiment":"neutral","sentiment_score":0.2218599021434784},{"text":"Yeah.","start":815.43,"end":815.75,"sentiment":"neutral","sentiment_score":0.147682785987854},{"text":"I'll I'll get that started now, and then I'll book in that time for, say, May.","start":815.75,"end":819.83,"sentiment":"neutral","sentiment_score":0.22424147557467222}],"sentiment":"neutral","sentiment_score":0.07788294329218669,"num_words":73,"start":786.89,"end":819.83},{"sentences":[{"text":"I'll even try and get all the document and everything done to, like, not to put it at the top of the pile, but not to put it so low that it's not done by then either.","start":819.83,"end":827.21,"sentiment":"neutral","sentiment_score":0.13024980504367803},{"text":"And then sort of the May, I'll check it in my calendar to reach out a sort of similar time around 1PM your time.","start":827.99,"end":834.355,"sentiment":"neutral","sentiment_score":0.12596065768351158},{"text":"And then if you don't pick up, obviously, we'll just try and get in touch at another time.","start":836.175,"end":839.635,"sentiment":"neutral","sentiment_score":0.09308761109908421},{"text":"But I'll chuck that in, and then we'll get that started on the investment update.","start":840.255,"end":845.04,"sentiment":"neutral","sentiment_score":0.16653314083814622},{"text":"And I'll just quickly also run through your back find here in your risk profile just to see if there's anything else that needs adjusting there as well.","start":845.04,"end":853.94,"sentiment":"neutral","sentiment_score":0.11985676269978285}],"sentiment":"neutral","sentiment_score":0.12599886917188519,"num_words":122,"start":819.83,"end":853.94},{"sentences":[{"text":"Perfect.","start":854.765,"end":855.265,"sentiment":"positive","sentiment_score":0.5916683077812195},{"text":"So I'll just update those details there quickly, so bear with me there.","start":855.48505,"end":859.825,"sentiment":"positive","sentiment_score":0.3793243788755857},{"text":"That's just taking a second to load back up.","start":861.085,"end":863.34503,"sentiment":"neutral","sentiment_score":0.14239412380589378},{"text":"Now in regards to your email, is that still lisa.3@bigpond.com,2d's?","start":864.525,"end":871.19,"sentiment":"neutral","sentiment_score":0.018990757036954166},{"text":"That's changed as well?","start":873.33,"end":874.71,"sentiment":"neutral","sentiment_score":-0.05309827532619238}],"sentiment":"neutral","sentiment_score":0.18329585990490946,"num_words":37,"start":854.765,"end":874.71},{"sentences":[{"text":"Okay.","start":877.57,"end":877.89,"sentiment":"neutral","sentiment_score":0.0011479519307613373},{"text":"Maybe you have is it the lisa.wild355@gmail.com?","start":877.89,"end":882.165,"sentiment":"neutral","sentiment_score":0.0071591947759900776},{"text":"Okay.","start":883.52496,"end":884.005,"sentiment":"neutral","sentiment_score":0.08177176862955093},{"text":"I mean, it was just the old one in that.","start":884.005,"end":886.82495,"sentiment":"neutral","sentiment_score":0.030185477621853352},{"text":"So they have done, like, a few business changes and updates and things as well.","start":887.845,"end":891.52496,"sentiment":"neutral","sentiment_score":0.08359386002024015}],"sentiment":"neutral","sentiment_score":0.049670492956305254,"num_words":34,"start":877.57,"end":891.52496},{"sentences":[{"text":"So a few things when consolidating to the newer workbooks has been mixed around a little bit, but that's more than fine.","start":891.52496,"end":900.22003,"sentiment":"neutral","sentiment_score":0.1123413374139504},{"text":"And I've got John here as your next of kin contact.","start":900.22003,"end":902.62,"sentiment":"neutral","sentiment_score":0.16952438246120105},{"text":"Is that still correct?","start":902.62,"end":903.68,"sentiment":"neutral","sentiment_score":0.12405830435454845},{"text":"Perfect.","start":904.7,"end":905.18,"sentiment":"positive","sentiment_score":0.3583441376686096},{"text":"I don't actually have any details, though, in the event that we couldn't reach you, though.","start":905.18,"end":907.98004,"sentiment":"neutral","sentiment_score":-0.08245376963168383}],"sentiment":"neutral","sentiment_score":0.07169619761407375,"num_words":54,"start":891.52496,"end":907.98004},{"sentences":[{"text":"Did you wanna track down a phone number and email?","start":907.98004,"end":910.08,"sentiment":"neutral","sentiment_score":-0.008892900869250297},{"text":"Yeah.","start":912.47504,"end":912.715,"sentiment":"neutral","sentiment_score":-0.016167525202035904},{"text":"Just in the event that we couldn't reach you, say, like, that you know, over that six month period where we couldn't really contact you, we just, like, sort of text or call John to see if there was a reason we couldn't.","start":912.715,"end":922.575,"sentiment":"neutral","sentiment_score":-0.21242812137271083},{"text":"Okay.","start":927.42,"end":927.92,"sentiment":"neutral","sentiment_score":-0.19224107265472412},{"text":"Yep.","start":936.555,"end":937.055,"sentiment":"neutral","sentiment_score":0.01100074127316475}],"sentiment":"neutral","sentiment_score":-0.16822760864826186,"num_words":56,"start":907.98004,"end":937.055},{"sentences":[{"text":"That's more than fine.","start":937.195,"end":937.995,"sentiment":"neutral","sentiment_score":0.0817982405424118},{"text":"Yeah.","start":937.995,"end":938.495,"sentiment":"neutral","sentiment_score":0.06159112602472305},{"text":"We can leave that blank.","start":938.875,"end":940.255,"sentiment":"neutral","sentiment_score":0.015981458127498627},{"text":"And as far as work, you're still in medical administrator?","start":940.635,"end":943.215,"sentiment":"neutral","sentiment_score":0.0036808163393288853},{"text":"Yep.","start":945.675,"end":946.155,"sentiment":"neutral","sentiment_score":0.06380046159029007}],"sentiment":"neutral","sentiment_score":0.02710952399121154,"num_words":21,"start":937.195,"end":946.155},{"sentences":[{"text":"And as far as your work schedule, are you still permanent part time?","start":946.155,"end":949.615,"sentiment":"neutral","sentiment_score":0.03181859850883484},{"text":"Yep.","start":951.3,"end":951.54,"sentiment":"neutral","sentiment_score":0.03634030744433403},{"text":"And how many hours are you doing at the moment?","start":951.54,"end":953.64,"sentiment":"neutral","sentiment_score":0.014606812037527561},{"text":"Yep.","start":967.635,"end":968.135,"sentiment":"neutral","sentiment_score":0.02762582525610924},{"text":"And how long have you been doing that?","start":969.795,"end":971.795,"sentiment":"neutral","sentiment_score":0.0019556537736207247}],"sentiment":"neutral","sentiment_score":0.01937337163271326,"num_words":33,"start":946.155,"end":971.795},{"sentences":[{"text":"Sorry.","start":971.795,"end":971.955,"sentiment":"neutral","sentiment_score":-0.1340889185667038},{"text":"I just don't have it here for my records in terms of, like, industry experience.","start":971.955,"end":975.255,"sentiment":"neutral","sentiment_score":-0.13041803650557995},{"text":"And then in regards to your income, do you know what your annual income is around at the moment?","start":975.42,"end":984.16,"sentiment":"neutral","sentiment_score":-0.021293666017682927},{"text":"Yep.","start":1000.25,"end":1000.75,"sentiment":"neutral","sentiment_score":0.07272722572088242},{"text":"And as far as, like, a a budget there too, Lisa, do you know sort of what your expenses and savings looks like per week?","start":1000.97003,"end":1008.99,"sentiment":"neutral","sentiment_score":0.043097268342971805}],"sentiment":"neutral","sentiment_score":-0.022045576822806577,"num_words":61,"start":971.795,"end":1008.99},{"sentences":[{"text":"Yes.","start":1012.905,"end":1013.22504,"sentiment":"neutral","sentiment_score":-0.10121407359838486},{"text":"No.","start":1013.22504,"end":1013.72504,"sentiment":"neutral","sentiment_score":-0.13590919971466064},{"text":"No.","start":1013.78,"end":1014.28,"sentiment":"neutral","sentiment_score":-0.17820009589195251},{"text":"That's fine.","start":1014.335,"end":1015.085,"sentiment":"neutral","sentiment_score":0.09449485596269369},{"text":"Yep.","start":1018.825,"end":1019.325,"sentiment":"neutral","sentiment_score":-0.006763632409274578}],"sentiment":"neutral","sentiment_score":-0.03884954828148087,"num_words":6,"start":1012.905,"end":1019.325},{"sentences":[{"text":"I'll do a little bit of math later and see how that sort of lines up.","start":1033.88,"end":1037.1799,"sentiment":"neutral","sentiment_score":-0.02166317612864077},{"text":"So that it doesn't make a huge impact if we're not doing any sort of cash flow on budgeting or contribution strategies or things like that.","start":1037.625,"end":1043.805,"sentiment":"neutral","sentiment_score":-0.24728670888222182},{"text":"Yes.","start":1071.015,"end":1071.515,"sentiment":"neutral","sentiment_score":0.1527521163225174},{"text":"I can put that down as, like, a future goal, and then we can sorta, you know, see how you're going at, like, your next tenure review and see how you feel about it.","start":1071.5751,"end":1079.99,"sentiment":"neutral","sentiment_score":0.13264492844395778},{"text":"I'll track that down.","start":1090.225,"end":1091.525,"sentiment":"neutral","sentiment_score":-0.10240525752305984}],"sentiment":"neutral","sentiment_score":-0.031148229576187368,"num_words":81,"start":1033.88,"end":1091.525},{"sentences":[{"text":"And that's $25 extra a week.","start":1091.5851,"end":1093.505,"sentiment":"neutral","sentiment_score":-0.063353572661678},{"text":"That's salary sacrifice at the moment?","start":1093.505,"end":1095.2051,"sentiment":"neutral","sentiment_score":-0.14833863327900568},{"text":"Perfect.","start":1099.025,"end":1099.525,"sentiment":"positive","sentiment_score":0.4158461689949035},{"text":"And then as far as any other contributions at the moment, are you making any other contributions?","start":1099.5851,"end":1103.67,"sentiment":"neutral","sentiment_score":0.08633052601533778},{"text":"Yeah.","start":1105.43,"end":1105.93,"sentiment":"neutral","sentiment_score":0.0015665581449866297}],"sentiment":"neutral","sentiment_score":0.019834788185694525,"num_words":31,"start":1091.5851,"end":1105.93},{"sentences":[{"text":"No problem.","start":1107.8301,"end":1108.4701,"sentiment":"neutral","sentiment_score":0.12298718467354774},{"text":"And your part time contractor role, what's that in regards to?","start":1108.4701,"end":1112.0901,"sentiment":"neutral","sentiment_score":0.04800195585597645},{"text":"Yep.","start":1121.2051,"end":1121.4451,"sentiment":"neutral","sentiment_score":0.05412787199020386},{"text":"And how many hours a week do you sort of normally do that?","start":1121.4451,"end":1123.9451,"sentiment":"neutral","sentiment_score":0.02319328744824116},{"text":"And is it just running classes?","start":1130.1,"end":1131.6399,"sentiment":"neutral","sentiment_score":0.01725666504353285}],"sentiment":"neutral","sentiment_score":0.037368984328526436,"num_words":33,"start":1107.8301,"end":1131.6399},{"sentences":[{"text":"Perfect.","start":1135.0599,"end":1135.5399,"sentiment":"neutral","sentiment_score":0.2405780851840973},{"text":"And how much do you reckon you bring home for that?","start":1135.5399,"end":1138.84,"sentiment":"neutral","sentiment_score":0.05751900578087026},{"text":"And in regards to assets and liabilities, so with the house there and with the buying and the selling, do you know roughly the value of your new home?","start":1163.49,"end":1172.865,"sentiment":"neutral","sentiment_score":0.018760854057196914},{"text":"Yep.","start":1179.42,"end":1179.7401,"sentiment":"neutral","sentiment_score":0.03490966185927391},{"text":"And is there anything iron on that one?","start":1179.7401,"end":1181.92,"sentiment":"neutral","sentiment_score":0.017751479987055063}],"sentiment":"neutral","sentiment_score":0.0318854683637619,"num_words":50,"start":1135.0599,"end":1181.92},{"sentences":[{"text":"Do you know the mortgage value currently?","start":1184.3,"end":1186.0,"sentiment":"neutral","sentiment_score":0.005277304777077266},{"text":"Yep.","start":1193.835,"end":1194.335,"sentiment":"neutral","sentiment_score":0.03928518295288086},{"text":"And just confirming too, you used to have a couple investment properties.","start":1194.3949,"end":1197.755,"sentiment":"neutral","sentiment_score":0.02865724063788851},{"text":"Have you sold those now?","start":1197.755,"end":1199.215,"sentiment":"neutral","sentiment_score":0.021877363324165344},{"text":"Yep.","start":1201.195,"end":1201.695,"sentiment":"neutral","sentiment_score":0.054312944412231445}],"sentiment":"neutral","sentiment_score":0.02245434481077469,"num_words":26,"start":1184.3,"end":1201.695},{"sentences":[{"text":"And I've got a car worth around 20,000 here.","start":1201.835,"end":1203.9149,"sentiment":"neutral","sentiment_score":0.04238994378182623},{"text":"Is that still similar to the car you've got now?","start":1203.9149,"end":1206.03,"sentiment":"neutral","sentiment_score":0.017464673332870006},{"text":"Yep.","start":1208.27,"end":1208.5901,"sentiment":"neutral","sentiment_score":0.016936257481575012},{"text":"And a boat worth 100,000?","start":1208.5901,"end":1210.6901,"sentiment":"neutral","sentiment_score":0.005914559029042721},{"text":"Hold the boat.","start":1212.8301,"end":1213.81,"sentiment":"neutral","sentiment_score":-0.0091933390746514}],"sentiment":"neutral","sentiment_score":0.020538759384570376,"num_words":28,"start":1201.835,"end":1213.81},{"sentences":[{"text":"And as far as, like, a savings account or any like, an offset account, do you hold a savings or offset account at the moment?","start":1214.03,"end":1220.055,"sentiment":"neutral","sentiment_score":0.002025555968284607},{"text":"Yep.","start":1221.895,"end":1222.2151,"sentiment":"neutral","sentiment_score":0.0557161420583725},{"text":"And if you don't mind me asking, how much you got sitting in that at the moment?","start":1222.2151,"end":1225.1951,"sentiment":"neutral","sentiment_score":0.03238586018628934},{"text":"Yep.","start":1229.0951,"end":1229.415,"sentiment":"neutral","sentiment_score":0.033744119107723236},{"text":"And are there any other assets or liabilities?","start":1229.415,"end":1231.275,"sentiment":"neutral","sentiment_score":0.02079934091307223}],"sentiment":"neutral","sentiment_score":0.016481798285475142,"num_words":52,"start":1214.03,"end":1231.275},{"sentences":[{"text":"Yep.","start":1236.71,"end":1237.0299,"sentiment":"neutral","sentiment_score":0.07444217801094055},{"text":"Not a problem.","start":1237.0299,"end":1237.85,"sentiment":"neutral","sentiment_score":0.13127138713995615},{"text":"And apologies if you answered these previously as well.","start":1238.7899,"end":1241.0299,"sentiment":"neutral","sentiment_score":-0.02261434371272723},{"text":"It says the new workbooks.","start":1241.0299,"end":1242.23,"sentiment":"neutral","sentiment_score":0.06636760011315346},{"text":"We're just getting everything up to date.","start":1242.23,"end":1243.6699,"sentiment":"neutral","sentiment_score":0.10900305317980903}],"sentiment":"neutral","sentiment_score":0.05438346475362778,"num_words":25,"start":1236.71,"end":1243.6699},{"sentences":[{"text":"But you've never declared bankruptcy or a part on debt agreement prior?","start":1243.6699,"end":1246.6499,"sentiment":"neutral","sentiment_score":-0.016762795392423868},{"text":"Yep.","start":1248.405,"end":1248.725,"sentiment":"neutral","sentiment_score":-0.04942219704389572},{"text":"And as far as smoker status, you're nonsmoker?","start":1248.725,"end":1250.745,"sentiment":"neutral","sentiment_score":-0.0572781004011631},{"text":"Yep.","start":1252.965,"end":1253.445,"sentiment":"neutral","sentiment_score":-0.029757319018244743},{"text":"And any significant health injuries or anything then that passed sort of Yep.","start":1253.445,"end":1258.245,"sentiment":"neutral","sentiment_score":-0.06684772526988617}],"sentiment":"neutral","sentiment_score":-0.045930808356830055,"num_words":35,"start":1243.6699,"end":1258.245},{"sentences":[{"text":"Any medications currently?","start":1258.245,"end":1259.625,"sentiment":"neutral","sentiment_score":-0.036625886956850685},{"text":"And do you hold private health insurance?","start":1261.37,"end":1263.07,"sentiment":"neutral","sentiment_score":-0.02189350194696869},{"text":"Is that, like, hospitals and extras?","start":1264.97,"end":1266.51,"sentiment":"neutral","sentiment_score":-0.011619762362291416},{"text":"Right.","start":1270.09,"end":1270.59,"sentiment":"neutral","sentiment_score":0.054636400192976},{"text":"And as far as a will goes, have you managed around to getting a will sorted?","start":1271.77,"end":1275.825,"sentiment":"neutral","sentiment_score":0.021451013431942556}],"sentiment":"neutral","sentiment_score":0.0019697535282113786,"num_words":33,"start":1258.245,"end":1275.825},{"sentences":[{"text":"Yeah.","start":1278.225,"end":1278.385,"sentiment":"neutral","sentiment_score":-0.022538643330335617},{"text":"No.","start":1278.385,"end":1278.5449,"sentiment":"neutral","sentiment_score":-0.08472670614719391},{"text":"That's fine.","start":1278.5449,"end":1279.365,"sentiment":"neutral","sentiment_score":-0.006508614867925644},{"text":"Obviously, they are an important sort of tool when it comes to yeah.","start":1281.745,"end":1287.0449,"sentiment":"neutral","sentiment_score":0.019495548537144296},{"text":"We can send through some lawyer information if you'd like just on a general sorta lawyer here that's just got a little information booklet from some general pricing on wheels and estates, if you'd like to have a look through that.","start":1287.1849,"end":1298.78,"sentiment":"neutral","sentiment_score":0.015454951855467587}],"sentiment":"neutral","sentiment_score":0.013220906514545968,"num_words":58,"start":1278.225,"end":1298.78},{"sentences":[{"text":"Yeah.","start":1307.335,"end":1307.6549,"sentiment":"neutral","sentiment_score":-0.0193475391715765},{"text":"Yeah.","start":1307.6549,"end":1307.975,"sentiment":"neutral","sentiment_score":-0.03994408994913101},{"text":"Understandable.","start":1307.975,"end":1308.475,"sentiment":"neutral","sentiment_score":-0.09609948843717576},{"text":"It's obviously one of those things you'd spit out of sight out of mind, but things do happen, unfortunately.","start":1309.1749,"end":1313.7549,"sentiment":"neutral","sentiment_score":-0.18830809702998713},{"text":"And yeah.","start":1313.975,"end":1314.8049,"sentiment":"neutral","sentiment_score":-0.14417468011379242}],"sentiment":"neutral","sentiment_score":-0.16756643005646765,"num_words":24,"start":1307.335,"end":1314.8049},{"sentences":[{"text":"And things get messy quickly when it comes to money and family, unfortunately.","start":1317.19,"end":1320.6499,"sentiment":"neutral","sentiment_score":-0.3312151638361124},{"text":"It's more often than not.","start":1321.19,"end":1322.57,"sentiment":"neutral","sentiment_score":-0.1462468147277832},{"text":"And these questions are a little bit random there, but are you a tax resident for any other forest foreign jurisdiction?","start":1323.59,"end":1328.49,"sentiment":"neutral","sentiment_score":-0.0421259044891312},{"text":"Yep.","start":1330.2749,"end":1330.755,"sentiment":"neutral","sentiment_score":-0.0907931625843048},{"text":"And you're not involved in any sort of politics or any family in politics, are you?","start":1330.755,"end":1334.5349,"sentiment":"neutral","sentiment_score":-0.13133901683613658}],"sentiment":"neutral","sentiment_score":-0.14489093981683254,"num_words":56,"start":1317.19,"end":1334.5349},{"sentences":[{"text":"Yep.","start":1335.7949,"end":1336.115,"sentiment":"neutral","sentiment_score":-0.06814262270927429},{"text":"Bit of a random one, I know, but it's just to do with a bit of any money laundering and also just to make sure that, yeah, we're adequately protecting people that have their details out there online, so that's fine.","start":1336.115,"end":1349.26,"sentiment":"neutral","sentiment_score":-0.053853499453242235},{"text":"And as far as goals are concerned, I know the main goal originally was, like, just paying down the mortgages and potentially having investment in the future.","start":1349.64,"end":1358.345,"sentiment":"neutral","sentiment_score":0.17017933422768558},{"text":"Where are you sort of standing when it comes to, you know, having an investment property again or, you know, another investment?","start":1358.725,"end":1364.665,"sentiment":"neutral","sentiment_score":0.04226300890811465},{"text":"Yep.","start":1368.5,"end":1368.8201,"sentiment":"neutral","sentiment_score":0.07513273507356644}],"sentiment":"neutral","sentiment_score":0.036126357118558626,"num_words":92,"start":1335.7949,"end":1368.8201},{"sentences":[{"text":"Just happy to paying down the mortgage there.","start":1368.8201,"end":1371.16,"sentiment":"neutral","sentiment_score":0.291925435885787},{"text":"Yep.","start":1371.4601,"end":1371.9601,"sentiment":"neutral","sentiment_score":0.1590665876865387},{"text":"He's still sort of planning on, you know, buying a caravan, doing the trip around Australia.","start":1372.1,"end":1375.54,"sentiment":"neutral","sentiment_score":0.20757084526121616},{"text":"Is that sort of still the longer term goal?","start":1375.54,"end":1377.4,"sentiment":"neutral","sentiment_score":0.15961813761128318},{"text":"Yep.","start":1378.3551,"end":1378.8551,"sentiment":"neutral","sentiment_score":0.09143714606761932}],"sentiment":"neutral","sentiment_score":0.20981725667204176,"num_words":35,"start":1368.8201,"end":1378.8551},{"sentences":[{"text":"And in regards to any other goals that you're sort of working towards, Lisa, is there anything else that you're sort of working towards at the moment?","start":1379.4751,"end":1385.495,"sentiment":"neutral","sentiment_score":0.1079941547855183},{"text":"Yep.","start":1391.25,"end":1391.65,"sentiment":"neutral","sentiment_score":0.119218610227108},{"text":"Understandable.","start":1391.65,"end":1392.15,"sentiment":"neutral","sentiment_score":0.1287656128406525},{"text":"And then as far as insurances go, obviously, you've got a bit of debt there again.","start":1392.3701,"end":1396.8501,"sentiment":"neutral","sentiment_score":-0.05658043618313968},{"text":"But are you sort of looking to review that at any point, or are you happy being more self insured and yep.","start":1396.8501,"end":1405.655,"sentiment":"neutral","sentiment_score":0.007076432166451757}],"sentiment":"neutral","sentiment_score":0.036033148224006835,"num_words":67,"start":1379.4751,"end":1405.655},{"sentences":[{"text":"Completely understandable.","start":1405.715,"end":1406.775,"sentiment":"neutral","sentiment_score":0.12172963842749596},{"text":"And then in regards to a risk profile, obviously, we'll quickly run through that.","start":1408.275,"end":1413.015,"sentiment":"neutral","sentiment_score":-0.030406376080853597},{"text":"But you haven't had any direct shares since you last spoke to us, have you?","start":1413.235,"end":1416.24,"sentiment":"neutral","sentiment_score":-0.0786581166088581},{"text":"Direct shares, like, held any direct shares?","start":1417.52,"end":1420.26,"sentiment":"neutral","sentiment_score":-0.0568210668861866},{"text":"Yep.","start":1421.76,"end":1422.26,"sentiment":"neutral","sentiment_score":-0.15374545753002167}],"sentiment":"neutral","sentiment_score":-0.04906652982418354,"num_words":39,"start":1405.715,"end":1422.26},{"sentences":[{"text":"And then as far as inflation goes, so the cost of living sort of keeps creeping up there.","start":1422.48,"end":1427.0599,"sentiment":"neutral","sentiment_score":-0.24837885217534172},{"text":"Would you consider yourself still you know, take on that moderate to higher amount of risk to outpace inflation to get a bit of a return out of your your superannuation, not just being, like, investing in cash and getting the standard interest rate?","start":1427.44,"end":1438.255,"sentiment":"neutral","sentiment_score":-0.056420327333564106},{"text":"So if you, like, sort of just had all your money in cash, you'd just get, like, you know, your general interest rate, which is generally the cash rate that the RBA set, so it depends on your bank a little bit.","start":1440.795,"end":1449.51,"sentiment":"neutral","sentiment_score":0.08549765391009194},{"text":"But to, you know, get a higher return and make sure that inflation isn't eating away at, like, your the gains or interest you earn on your money, you sometimes have to, you know, take on, you know, a bit more risk by having shares, you know, property, things like that within investments to get a higher return to make sure that your money is actually growing.","start":1450.13,"end":1469.085,"sentiment":"neutral","sentiment_score":0.14168179835846176},{"text":"Because obviously, a dollar today is worth more than a dollar tomorrow generally because, like, inflation keeps going up and the buying power just sort of keeps decreasing over time.","start":1469.085,"end":1478.66,"sentiment":"neutral","sentiment_score":-0.00013445982088645345}],"sentiment":"neutral","sentiment_score":0.030478778197916587,"num_words":201,"start":1422.48,"end":1478.66},{"sentences":[{"text":"So to make sure that your money is growing in sense that it's growing in value and then still has the same sort of buying capacity as well.","start":1478.88,"end":1485.735,"sentiment":"neutral","sentiment_score":0.16343017853796482},{"text":"You need to take on that little bit more risk, which is what that that's referring to.","start":1485.735,"end":1489.3351,"sentiment":"neutral","sentiment_score":-0.0635110849295469},{"text":"So would you consider yourself a little bit more of a moderate risk taker still or higher risk taker?","start":1489.3351,"end":1494.3151,"sentiment":"neutral","sentiment_score":0.015099706324307542},{"text":"Yep.","start":1496.615,"end":1497.03,"sentiment":"neutral","sentiment_score":0.1197987049818039},{"text":"And then after six months, if you did invest or change your investments and it did decrease by 20% just due to general financial market trends, say the the war continues on, would you sort of just wait and hold that out, or would you sort of be a bit concerned, maybe look to switching back to cash, things like that that are a bit more defensive or maybe even yep.","start":1497.27,"end":1520.885,"sentiment":"neutral","sentiment_score":-0.08951160542561974}],"sentiment":"neutral","sentiment_score":-0.018031428711872327,"num_words":136,"start":1478.88,"end":1520.885},{"sentences":[{"text":"Not a problem.","start":1521.105,"end":1522.005,"sentiment":"neutral","sentiment_score":0.12827842434247336},{"text":"And then in regards to your superannuation dropping, like, things through COVID and things like that, did that make you quite concerned?","start":1522.385,"end":1528.8201,"sentiment":"neutral","sentiment_score":-0.07414365492083809},{"text":"Or Yep.","start":1528.88,"end":1533.14,"sentiment":"neutral","sentiment_score":0.02130698412656784},{"text":"And then in regards to borrowed money, obviously, you've had borrowed money in regards to a few property and other things as well.","start":1533.76,"end":1539.515,"sentiment":"neutral","sentiment_score":0.036329459318000336},{"text":"Would you ever put borrowed money into anything else?","start":1539.515,"end":1540.755,"sentiment":"neutral","sentiment_score":0.006313065480854776}],"sentiment":"neutral","sentiment_score":-0.005276542598918333,"num_words":59,"start":1521.105,"end":1540.755},{"sentences":[{"text":"Are you kind of done borrowing money at the moment?","start":1540.755,"end":1542.775,"sentiment":"neutral","sentiment_score":-0.05845654681324959},{"text":"Yeah.","start":1544.595,"end":1544.995,"sentiment":"neutral","sentiment_score":0.1946243941783905},{"text":"No problem.","start":1544.995,"end":1545.8151,"sentiment":"positive","sentiment_score":0.35844309628009796},{"text":"So that does still bring you out as a growth investor there, Lisa, which is about that eightytwenty.","start":1545.9551,"end":1550.4551,"sentiment":"positive","sentiment_score":0.3727353372507625},{"text":"So about 80¢ growth assets, about 20% defensive.","start":1550.515,"end":1553.255,"sentiment":"neutral","sentiment_score":0.22086579352617264}],"sentiment":"neutral","sentiment_score":0.22584846694218486,"num_words":39,"start":1540.755,"end":1553.255},{"sentences":[{"text":"Now in regards to that, we can obviously look at doing an update that's still in line with the growth portfolio, as I said, for when we're sort of touching base in a a month and a bit of their time.","start":1554.33,"end":1565.07,"sentiment":"neutral","sentiment_score":0.1831719186611292},{"text":"And then we can sort of run through that document, see if you're happy with everything.","start":1565.37,"end":1568.765,"sentiment":"positive","sentiment_score":0.5350528787821531},{"text":"And then if you've got any questions from there or wanna look at something different as well, we can do that for you.","start":1568.765,"end":1573.905,"sentiment":"positive","sentiment_score":0.34953714842381683},{"text":"So the the document, so I was just doing the research and putting it all together just with the the little bit of a backlog at the moment.","start":1578.8601,"end":1583.4601,"sentiment":"neutral","sentiment_score":0.06320581924436348},{"text":"It just take a couple weeks now just because we're you wanted to leave it alone and sort of touch base in a a month and a bit there anyway.","start":1583.4601,"end":1590.8,"sentiment":"neutral","sentiment_score":0.05083096201221148}],"sentiment":"neutral","sentiment_score":0.19858652854041345,"num_words":138,"start":1554.33,"end":1590.8},{"sentences":[{"text":"We've just got it booked in for the May 5.","start":1591.1001,"end":1593.76,"sentiment":"neutral","sentiment_score":0.13087613210082055},{"text":"And then if you were to sort of be happy with everything and then sort of look to to change it and accept that recommendation, then the change is, like, from you signing the document to do an investment switch.","start":1594.005,"end":1604.245,"sentiment":"neutral","sentiment_score":0.2875240929424763},{"text":"It, like, can be actioned that day or, like, the next day, and then from there.","start":1604.245,"end":1608.45,"sentiment":"neutral","sentiment_score":0.10319784306921065},{"text":"Well, just because you wanted to leave it alone there, I can sort of book you in closer, say, a week and a bit from now if you'd like to.","start":1614.0499,"end":1622.13,"sentiment":"neutral","sentiment_score":-0.019020510495950778},{"text":"And then no.","start":1622.13,"end":1635.175,"sentiment":"neutral","sentiment_score":-0.1550496444106102}],"sentiment":"neutral","sentiment_score":0.13560733615862902,"num_words":99,"start":1591.1001,"end":1635.175},{"sentences":[{"text":"Yes.","start":1635.175,"end":1635.415,"sentiment":"neutral","sentiment_score":-0.04575525224208832},{"text":"Sorry.","start":1635.415,"end":1635.735,"sentiment":"neutral","sentiment_score":-0.1886754184961319},{"text":"I thought you just meant the process of just starting the document and leaving things as with.","start":1635.735,"end":1639.9401,"sentiment":"neutral","sentiment_score":-0.19933848915731206},{"text":"So, yeah, to change yeah.","start":1640.0801,"end":1642.3201,"sentiment":"neutral","sentiment_score":-0.19919487088918686},{"text":"Okay.","start":1642.3201,"end":1642.56,"sentiment":"neutral","sentiment_score":-0.033906489610672}],"sentiment":"neutral","sentiment_score":-0.18612263321876527,"num_words":25,"start":1635.175,"end":1642.56},{"sentences":[{"text":"No.","start":1642.56,"end":1642.72,"sentiment":"neutral","sentiment_score":-0.1321651041507721},{"text":"To change the investments, we actually have to provide that document so I can book a time in sort of, you know, week and a bit there.","start":1642.72,"end":1649.76,"sentiment":"neutral","sentiment_score":0.014009401616122987},{"text":"So maybe Tuesday, the twenty fourth, even I'll book in for the same time, and then we can sort of provide you the document there.","start":1649.76,"end":1657.405,"sentiment":"neutral","sentiment_score":0.21763541877269746},{"text":"And then you can sort of make a decision if you'd like to undertake that investment update.","start":1657.405,"end":1662.065,"sentiment":"neutral","sentiment_score":0.233052538598285},{"text":"Perfect.","start":1664.54,"end":1665.04,"sentiment":"positive","sentiment_score":0.7166498899459839}],"sentiment":"neutral","sentiment_score":0.14599320077350442,"num_words":71,"start":1642.56,"end":1665.04},{"sentences":[{"text":"Now in regards to your annual review documents, because obviously, I don't have any of them prepared for you, so I can get them to send an annual review pack out with, like, obviously, the the twelve month performance and a few other documents there as well, which will also include that ongoing service agreement.","start":1669.18,"end":1683.1749,"sentiment":"neutral","sentiment_score":0.15709953132000837},{"text":"Now, obviously, we are updating your advice.","start":1683.795,"end":1685.315,"sentiment":"neutral","sentiment_score":0.09363338031939097},{"text":"It has expired.","start":1685.315,"end":1686.035,"sentiment":"neutral","sentiment_score":-0.1104538415869077},{"text":"So you haven't been paying us a fee, which is a bit good for you.","start":1686.035,"end":1688.915,"sentiment":"neutral","sentiment_score":0.14130659823616346},{"text":"It's obviously a bit of a discount.","start":1688.915,"end":1690.375,"sentiment":"neutral","sentiment_score":0.08280279753463608}],"sentiment":"neutral","sentiment_score":0.13406626340644112,"num_words":87,"start":1669.18,"end":1690.375},{"sentences":[{"text":"But in saying that, moving forward, if you were to sign that happy to stay on, at least for the the time being, it would start that fee again.","start":1690.755,"end":1697.97,"sentiment":"neutral","sentiment_score":0.13739342499395896},{"text":"Now it isn't a locking contract.","start":1697.97,"end":1699.4099,"sentiment":"neutral","sentiment_score":-0.1791348159313202},{"text":"So even if you did sign it in a month from now, you go, actually, I just wanna go back to an industry fund and just leave it as is, then you can just opt out of the service still.","start":1699.4099,"end":1707.535,"sentiment":"neutral","sentiment_score":-0.054660030733793975},{"text":"You don't, like, lock into a twelve month contract, if that makes sense.","start":1707.535,"end":1711.075,"sentiment":"neutral","sentiment_score":-0.12256289674685551},{"text":"But it would still be that 1.65% ongoing fee of the the balance.","start":1712.335,"end":1717.395,"sentiment":"neutral","sentiment_score":0.057039890151757464}],"sentiment":"neutral","sentiment_score":-0.001273266196545988,"num_words":101,"start":1690.755,"end":1717.395},{"sentences":[{"text":"Do you have any questions or concerns regarding that?","start":1717.455,"end":1720.26,"sentiment":"neutral","sentiment_score":0.0200084052566025},{"text":"Yeah.","start":1722.18,"end":1722.42,"sentiment":"neutral","sentiment_score":-0.011402778327465056},{"text":"That's fine.","start":1722.42,"end":1723.22,"sentiment":"neutral","sentiment_score":0.11257349699735641},{"text":"As far as the performance for the last twelve month period, it is seeing only point 4%.","start":1723.22,"end":1728.58,"sentiment":"neutral","sentiment_score":-0.2017090916633606},{"text":"That's largely due to what occurred with Benelong and what's happened the past few months with the war in Iran.","start":1728.58,"end":1733.16,"sentiment":"neutral","sentiment_score":-0.2937553599476814}],"sentiment":"neutral","sentiment_score":-0.18184371212763445,"num_words":49,"start":1717.455,"end":1733.16},{"sentences":[{"text":"Now in saying that, you know, being in a growth portfolio, you're still expected to have some bad years.","start":1733.585,"end":1737.665,"sentiment":"negative","sentiment_score":-0.35999912807815954},{"text":"So Bennelong coupled with what is happening in the the global climate as well is sort of what has occurred there.","start":1737.665,"end":1743.8251,"sentiment":"negative","sentiment_score":-0.354945855481284},{"text":"Now in terms of, like, losing money, I hasn't actually lost money in the last twelve months.","start":1743.8251,"end":1747.74,"sentiment":"negative","sentiment_score":-0.4247016968096004},{"text":"I've been saying that we'll look to do an update that sorta is sort of better indicative of what's gonna occur potentially in the next sorta few years, the five to to seven year mark of holding, like, a a growth portfolio for you there, Lisa.","start":1747.74,"end":1761.2,"sentiment":"neutral","sentiment_score":0.01230521001043203},{"text":"And is there anything else that you want addressed in that document there or just the investment update?","start":1763.605,"end":1768.5651,"sentiment":"neutral","sentiment_score":0.003545737307932642}],"sentiment":"neutral","sentiment_score":-0.17259431663084746,"num_words":121,"start":1733.585,"end":1768.5651},{"sentences":[{"text":"No.","start":1768.5651,"end":1768.805,"sentiment":"neutral","sentiment_score":0.04506605863571167},{"text":"That's perfectly fine.","start":1768.805,"end":1769.9451,"sentiment":"neutral","sentiment_score":0.2644331057866414},{"text":"But do you have any other questions for me that I haven't answered or anything today regarding that?","start":1770.165,"end":1774.8,"sentiment":"neutral","sentiment_score":-0.024539494680033788},{"text":"Yep.","start":1776.4,"end":1776.7201,"sentiment":"neutral","sentiment_score":0.14915388822555542},{"text":"Not a problem.","start":1776.7201,"end":1777.3601,"sentiment":"positive","sentiment_score":0.3337559501330058}],"sentiment":"neutral","sentiment_score":0.059502931168446176,"num_words":26,"start":1768.5651,"end":1777.3601},{"sentences":[{"text":"Well, I'll just get a start on this now, and I've got you booked in for the twenty fourth there.","start":1777.3601,"end":1781.9401,"sentiment":"positive","sentiment_score":0.4245334267616272},{"text":"If you do have any questions in the meantime or wanna have a chat about anything, feel free to just reach out, and I'm happy to answer those via email or not or to organize another phone call.","start":1782.24,"end":1790.975,"sentiment":"positive","sentiment_score":0.4317959931335951},{"text":"As far as things we do need to update there, your ID is currently expired.","start":1790.975,"end":1794.8151,"sentiment":"neutral","sentiment_score":-0.06776853476961454},{"text":"So I can just send you an email if you can provide just an updated, like, driver's license front and back.","start":1794.8151,"end":1798.895,"sentiment":"neutral","sentiment_score":0.017054778124604906},{"text":"We'll get that certified on file just to be able to provide you updated advice, if that makes sense.","start":1798.895,"end":1803.72,"sentiment":"neutral","sentiment_score":0.11253231273669946}],"sentiment":"neutral","sentiment_score":0.23343940296795515,"num_words":113,"start":1777.3601,"end":1803.72},{"sentences":[{"text":"No problem at all, Lisa.","start":1805.24,"end":1806.5399,"sentiment":"neutral","sentiment_score":0.20076063573360442},{"text":"Or you can actually just respond to that with the email chain that we've already got going there, if you don't mind, just with the the front and back license photo.","start":1806.6,"end":1812.84,"sentiment":"neutral","sentiment_score":0.16128490048070107},{"text":"And if I don't have it in a bit there, I'll just send you another reminder email.","start":1812.84,"end":1816.46,"sentiment":"neutral","sentiment_score":0.08700022714979508},{"text":"But if you don't have any questions for me, at least, I'll get a start on that one, and then we'll be chatting in a week and a bit there.","start":1819.445,"end":1825.3049,"sentiment":"neutral","sentiment_score":0.2160833554963271},{"text":"Yep.","start":1834.5,"end":1834.74,"sentiment":"neutral","sentiment_score":0.01793166995048523}],"sentiment":"neutral","sentiment_score":0.16646513440424487,"num_words":84,"start":1805.24,"end":1834.74},{"sentences":[{"text":"If you, yeah, if you screenshot that, just make sure you've got the card number with that and then the the reference number for your license as well.","start":1834.74,"end":1843.56,"sentiment":"neutral","sentiment_score":0.044989182081605704},{"text":"I'm just trying to think for Victoria what's actually on there from from memory.","start":1844.205,"end":1848.385,"sentiment":"neutral","sentiment_score":-0.023757707327604294},{"text":"I'll just have a quick look to see.","start":1850.125,"end":1853.345,"sentiment":"neutral","sentiment_score":0.041243217419832945},{"text":"There's some there's obviously the states are a little bit different.","start":1853.965,"end":1856.705,"sentiment":"neutral","sentiment_score":-0.04424954950809479},{"text":"Bear with me two seconds.","start":1857.085,"end":1858.385,"sentiment":"neutral","sentiment_score":-0.025181905180215836}],"sentiment":"neutral","sentiment_score":0.009763338857076385,"num_words":66,"start":1834.74,"end":1858.385},{"sentences":[{"text":"Because I believe there's two different numbers we'll need from the the card to ensure that Yeah.","start":1860.81,"end":1890.68,"sentiment":"neutral","sentiment_score":-0.016305801896926236},{"text":"So there will just be a license number there, and then there'll also be a card number.","start":1890.68,"end":1895.64,"sentiment":"neutral","sentiment_score":0.021536544294041747},{"text":"The card number is generally a pay number with the the Victorian ones and then the license number.","start":1895.64,"end":1901.975,"sentiment":"neutral","sentiment_score":0.01814946485683322},{"text":"So as long as you capture that in the expiry Yep.","start":1901.975,"end":1906.1549,"sentiment":"neutral","sentiment_score":0.014790412885221567},{"text":"Yep.","start":1925.9249,"end":1926.405,"sentiment":"neutral","sentiment_score":0.05600155517458916}],"sentiment":"neutral","sentiment_score":0.009911079454468563,"num_words":64,"start":1860.81,"end":1926.405},{"sentences":[{"text":"Still here.","start":1926.405,"end":1927.145,"sentiment":"neutral","sentiment_score":0.07083997689187527},{"text":"No.","start":1928.965,"end":1929.205,"sentiment":"neutral","sentiment_score":-0.02419852465391159},{"text":"That's perfectly fine.","start":1929.205,"end":1930.4249,"sentiment":"neutral","sentiment_score":0.2982240716616313},{"text":"Yeah.","start":1931.2849,"end":1931.525,"sentiment":"neutral","sentiment_score":0.3001388907432556},{"text":"So as long as it does have your license number and that that card number in the the screenshot there of that last night, that should be fine.","start":1931.525,"end":1939.24,"sentiment":"neutral","sentiment_score":0.23474768682249955}],"sentiment":"neutral","sentiment_score":0.2252922218825136,"num_words":35,"start":1926.405,"end":1939.24},{"sentences":[{"text":"And if, obviously, with the expiration date and your picture of yourself in it.","start":1939.24,"end":1943.6599,"sentiment":"neutral","sentiment_score":0.10000019786613328},{"text":"No problem, Lisa.","start":1945.72,"end":1946.6,"sentiment":"positive","sentiment_score":0.49964972337086994},{"text":"Any other questions for me there?","start":1946.6,"end":1947.975,"sentiment":"neutral","sentiment_score":0.1844108427564303},{"text":"No problem at all.","start":1949.815,"end":1951.035,"sentiment":"positive","sentiment_score":0.33739788830280304},{"text":"Well, I'll let you get back to you today.","start":1951.095,"end":1952.375,"sentiment":"positive","sentiment_score":0.45966945423020256}],"sentiment":"neutral","sentiment_score":0.2636676010572248,"num_words":36,"start":1939.24,"end":1952.375},{"sentences":[{"text":"Thanks for your time there.","start":1952.375,"end":1953.495,"sentiment":"positive","sentiment_score":0.7465961217880249},{"text":"I know it was a little bit long winded there in the end, but we'll be speaking shortly as well.","start":1953.495,"end":1957.9149,"sentiment":"neutral","sentiment_score":-0.03987241154536605},{"text":"Thanks, Lisa.","start":1960.135,"end":1960.855,"sentiment":"positive","sentiment_score":0.6537907123565674},{"text":"Bye now.","start":1960.855,"end":1961.595,"sentiment":"positive","sentiment_score":0.46332044899463654}],"sentiment":"neutral","sentiment_score":0.178267403473628,"num_words":29,"start":1952.375,"end":1961.595}]}}]},{"alternatives":[{"transcript":"Hello. This is Lisa. Good. How are you? Yeah. I just wanted to touch base just regarding my super. I think last time I emailed you just, what, before Christmas? Yep. Yep. Yeah. I've I've got a bit of time. I put yeah. Definitely. Yep. Yep. So it's Lisa Wilde. Date of birth, 1971. And I have changed the dress to I don't know if you've got that. Yeah. No. It's I've I've moved. Yeah. Number 5 Arthur Street in Aberfeldy. Yes. We have. Yep. Yep. That's correct. Yep. Yep. So what does that happen straight away? Or, like, I was actually thinking I wanted to change funds. Yeah. In Hub 20 four. Yep. Is that possible? Yep. Well, I mean, it just doesn't feel like to me like, I know we haven't touched base in, what, twelve months or something, but it just doesn't seem to be going anywhere. Yeah. Yep. Alright. So it's not that straightforward. Is that what you're saying, pretty much? Which yeah. Is that and that's handled by you? Yep. Yep. Yes. Yep. Yeah. No. Keep going. Sorry. Alright. I just really I just don't know what to do. Like, I'm definitely not happy where we're at and okay. So some of it's probably partly my fault because I was pretty much uncontactable for last year. But still, I would have thought that I didn't realize that I was the only one that could change it. I thought that was somebody monitoring it all at all times. Yeah. Right. Yep. I don't know I don't know what to do. I don't know whether it just should change to, like, an Australian super fund or something like that or just stick with it for a couple of months. Like, I'm just in two minds at the moment, but I think we need to be active right now and make a few changes. Yep. Yep. Yep. Okay. So where do we go from here? Like, if something needs to be changed, like, ASAP until I can work out what I'm gonna do next. And if I just wanna move it into, like, an Australian Superfund or something like that, can can you do you do that or is that something I have to facilitate on my own? Yep. Yep. Yep. And who's your super with? Yes. Yeah. And can you have two super funds? Please. Yep. Yep. Yep. Alright. I just don't know what to do. I think maybe if I just leave it for a couple of months as it is, and then you have a look at re have a look at everything. Process now. Yep. Let's do it. Yep. Yep. Yep. Yep. And so that you're talking about, like, people being able to access and move things around. Yeah. Like, how how secure is that? You know, like Not really. Yes. Yep. Yep. Okay. Yeah. It does. It's a lot, but yeah. Sort of does. Alright. Okay. If you can just get the ball rolling there. Or you can we do that? Is that something we can do now? Or Yep. Yep. No. It's not. No. Yeah. That changed a long time ago. Yep. Yeah. That's correct. Yep. Yep. That's correct. Yep. For John? I'm contactable. Like, I just like, I've just got issues with my phone at work and stuff like that. I just don't have access to it generally. That's that's what the problem was. And I think I was only available on on Fridays, which generally I am. But yeah. I yep. Yes. That's right. Yep. Yep. Oh, I can sort of it varies, really. It is around it's probably around thirty hours. Let's sort of say between twenty eight and thirty. Yeah. That's in about ten years. It's paying it part time. So I think I think it's around about forty six or something like that. No. I'm not good at budgeting yet. So I know for a full time, it's about 71 72,000, but I'm not yeah. Well, see, I wanted to sort of I do have another sort of part time role that I was thinking of putting some extra cash into. And I just I like, I work as a contractor. The hours vary per week. So and I was gonna start contributing, but when the suicide doesn't look that great, I really am apprehensive about it. Yeah. And I have been putting, like, an extra $25 a week in, the super, but it's still yeah. It's just getting eaten up. Yeah. That's right. Yep. No. I'm just gonna sit on it. Yep. I work as a Pilates instructor. It can kinda vary anywhere between sort of two and six. Yes. It varies from week to week. So sort of probably around $2.50 a week. Depends how many classes I do. Yep. The value, we purchased it for about 2,000,000. Yeah. There is. Yep. I think it's about 600,000. Yeah. We have. Yep. Yeah. Same car. Yep. Nope. Sold sold it. Yeah. We've got an offset. Yep. About 400,000. No. No. No. No. No smoker. No. No. Yes. Oh, hospital's next to it. Yep. No. I know. They are very much it. We've got a lawyer locally. We just not something we kind of thought about, but we need to get on to it definitely. It is. I know anything can happen and it does. Yep. You do see it. Yeah. It does. Yep. No. No. Yep. Yeah. Not at this point. No. No more investment property. Yep. Yep. Yep. Yeah. No. It was really just trying to focus on our super now and building that up. We're just happy with yeah. Happy where things are at the moment. Sorry? Oh, no. No. What what do you mean? Yes. Definitely moderate. I'd probably get a bit conservative. Yeah. It did. Yeah. We're done for the moment. Yep. Yep. Yep. Okay. How long does this process take to change it over? Yes. Alright. So you you don't do it now? Okay. We have to wait. It's gonna take another three months. Yeah. Sorry. I think I I think I don't know if you're I'm confused or I thought that you were gonna get the process going now. So change the investments over now, and then we'll reassess in three months as to no. Yeah. I don't wanna wait another three months. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Yep. No. No. Yeah. No. Not. Yep. No. No. Yep. Yep. Okay. Perfect. Yep. Okay. So my I don't have an actual photo. I've only got it on an app now, the my Victorian license. I suppose I can just screenshot that. Yep. Okay. Yes. Can you just hold can you just hold on for a sec? Thanks. You there? Yeah. Sorry. Yep. Okay. Perfect. No. No. That's alright. Okay. Alright. No worries. Thank you. Thanks. 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This is Lisa. Good. How are you? Yeah.\n\nI just wanted to touch base just regarding my super. I think last time I emailed you just, what, before Christmas? Yep. Yep. Yeah.\n\nI've I've got a bit of time. I put yeah. Definitely. Yep. Yep.\n\nSo it's Lisa Wilde. Date of birth, 1971. And I have changed the dress to I don't know if you've got that. Yeah. No.\n\nIt's I've I've moved. Yeah. Number 5 Arthur Street in Aberfeldy. Yes. We have.\n\nYep. Yep. That's correct. Yep. Yep.\n\nSo what does that happen straight away? Or, like, I was actually thinking I wanted to change funds. Yeah. In Hub 20 four. Yep.\n\nIs that possible? Yep. Well, I mean, it just doesn't feel like to me like, I know we haven't touched base in, what, twelve months or something, but it just doesn't seem to be going anywhere. Yeah. Yep.\n\nAlright. So it's not that straightforward. Is that what you're saying, pretty much? Which yeah. Is that and that's handled by you?\n\nYep. Yep. Yes. Yep. Yeah.\n\nNo. Keep going. Sorry. Alright. I just really I just don't know what to do.\n\nLike, I'm definitely not happy where we're at and okay. So some of it's probably partly my fault because I was pretty much uncontactable for last year. But still, I would have thought that I didn't realize that I was the only one that could change it. I thought that was somebody monitoring it all at all times. Yeah.\n\nRight. Yep. I don't know I don't know what to do. I don't know whether it just should change to, like, an Australian super fund or something like that or just stick with it for a couple of months. Like, I'm just in two minds at the moment, but I think we need to be active right now and make a few changes.\n\nYep. Yep. Yep. Okay. So where do we go from here?\n\nLike, if something needs to be changed, like, ASAP until I can work out what I'm gonna do next. And if I just wanna move it into, like, an Australian Superfund or something like that, can can you do you do that or is that something I have to facilitate on my own? Yep. Yep. Yep.\n\nAnd who's your super with? Yes. Yeah. And can you have two super funds? Please.\n\nYep. Yep. Yep. Alright. I just don't know what to do.\n\nI think maybe if I just leave it for a couple of months as it is, and then you have a look at re have a look at everything. Process now. Yep. Let's do it. Yep.\n\nYep. Yep. Yep. And so that you're talking about, like, people being able to access and move things around. Yeah.\n\nLike, how how secure is that? You know, like Not really. Yes. Yep. Yep.\n\nOkay. Yeah. It does. It's a lot, but yeah. Sort of does.\n\nAlright. Okay. If you can just get the ball rolling there. Or you can we do that? Is that something we can do now?\n\nOr Yep. Yep. No. It's not. No.\n\nYeah. That changed a long time ago. Yep. Yeah. That's correct.\n\nYep. Yep. That's correct. Yep. For John?\n\nI'm contactable. Like, I just like, I've just got issues with my phone at work and stuff like that. I just don't have access to it generally. That's that's what the problem was. And I think I was only available on on Fridays, which generally I am.\n\nBut yeah. I yep. Yes. That's right. Yep.\n\nYep. Oh, I can sort of it varies, really. It is around it's probably around thirty hours. Let's sort of say between twenty eight and thirty. Yeah.\n\nThat's in about ten years. It's paying it part time. So I think I think it's around about forty six or something like that. No. I'm not good at budgeting yet.\n\nSo I know for a full time, it's about 71 72,000, but I'm not yeah. Well, see, I wanted to sort of I do have another sort of part time role that I was thinking of putting some extra cash into. And I just I like, I work as a contractor. The hours vary per week. So and I was gonna start contributing, but when the suicide doesn't look that great, I really am apprehensive about it.\n\nYeah. And I have been putting, like, an extra $25 a week in, the super, but it's still yeah. It's just getting eaten up. Yeah. That's right.\n\nYep. No. I'm just gonna sit on it. Yep. I work as a Pilates instructor.\n\nIt can kinda vary anywhere between sort of two and six. Yes. It varies from week to week. So sort of probably around $2.50 a week. Depends how many classes I do.\n\nYep. The value, we purchased it for about 2,000,000. Yeah. There is. Yep.\n\nI think it's about 600,000. Yeah. We have. Yep. Yeah.\n\nSame car. Yep. Nope. Sold sold it. Yeah.\n\nWe've got an offset. Yep. About 400,000. No. No.\n\nNo. No. No smoker. No. No.\n\nYes. Oh, hospital's next to it. Yep. No. I know.\n\nThey are very much it. We've got a lawyer locally. We just not something we kind of thought about, but we need to get on to it definitely. It is. I know anything can happen and it does.\n\nYep. You do see it. Yeah. It does. Yep.\n\nNo. No. Yep. Yeah. Not at this point.\n\nNo. No more investment property. Yep. Yep. Yep.\n\nYeah. No. It was really just trying to focus on our super now and building that up. We're just happy with yeah. Happy where things are at the moment.\n\nSorry? Oh, no. No. What what do you mean? Yes.\n\nDefinitely moderate. I'd probably get a bit conservative. Yeah. It did. Yeah.\n\nWe're done for the moment. Yep. Yep. Yep. Okay.\n\nHow long does this process take to change it over? Yes. Alright. So you you don't do it now? Okay.\n\nWe have to wait. It's gonna take another three months. Yeah. Sorry. I think I I think I don't know if you're I'm confused or I thought that you were gonna get the process going now.\n\nSo change the investments over now, and then we'll reassess in three months as to no. Yeah. I don't wanna wait another three months. Yep. Yep.\n\nYep. Okay. Yep. Yep. Okay.\n\nYep. No. No. Yeah. No.\n\nNot. Yep. No. No. Yep.\n\nYep. Okay. Perfect. Yep. Okay.\n\nSo my I don't have an actual photo. I've only got it on an app now, the my Victorian license. I suppose I can just screenshot that. Yep. Okay.\n\nYes. Can you just hold can you just hold on for a sec? Thanks. You there? Yeah.\n\nSorry. Yep. Okay. Perfect. No.\n\nNo. That's alright. Okay. Alright. No worries.\n\nThank you. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.12487679719924928},{"text":"This is Lisa.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.12303695331017177},{"text":"Good.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.4889556169509888},{"text":"How are you?","start":6.7999997,"end":7.7,"sentiment":"positive","sentiment_score":0.34188071886698407},{"text":"Yeah.","start":13.759999,"end":14.24,"sentiment":"neutral","sentiment_score":0.20312346518039703}],"sentiment":"neutral","sentiment_score":0.24574543287356695,"num_words":9,"start":1.28,"end":14.24},{"sentences":[{"text":"I just wanted to touch base just regarding my super.","start":14.24,"end":18.904999,"sentiment":"neutral","sentiment_score":0.202512726187706},{"text":"I think last time I emailed you just, what, before Christmas?","start":18.904999,"end":22.765,"sentiment":"neutral","sentiment_score":0.010969822041013023},{"text":"Yep.","start":37.45,"end":37.95,"sentiment":"neutral","sentiment_score":0.003329536644741893},{"text":"Yep.","start":38.65,"end":39.15,"sentiment":"neutral","sentiment_score":0.026298411190509796},{"text":"Yeah.","start":46.815,"end":47.055,"sentiment":"neutral","sentiment_score":0.011475229635834694}],"sentiment":"neutral","sentiment_score":0.0911207700749704,"num_words":24,"start":14.24,"end":47.055},{"sentences":[{"text":"I've I've got a bit of time.","start":47.055,"end":48.175,"sentiment":"neutral","sentiment_score":0.008301497170967715},{"text":"I put yeah.","start":48.175,"end":48.975,"sentiment":"neutral","sentiment_score":0.03816214141746362},{"text":"Definitely.","start":48.975,"end":49.475,"sentiment":"neutral","sentiment_score":0.1587667167186737},{"text":"Yep.","start":49.775,"end":50.275,"sentiment":"neutral","sentiment_score":0.1615954041481018},{"text":"Yep.","start":58.255,"end":58.735,"sentiment":"neutral","sentiment_score":0.07533858716487885}],"sentiment":"neutral","sentiment_score":0.04371520096006302,"num_words":13,"start":47.055,"end":58.735},{"sentences":[{"text":"So it's Lisa Wilde.","start":58.735,"end":60.114998,"sentiment":"neutral","sentiment_score":0.03858800791203976},{"text":"Date of birth, 1971.","start":61.11,"end":64.33,"sentiment":"neutral","sentiment_score":0.02366467099636793},{"text":"And I have changed the dress to I don't know if you've got that.","start":65.83,"end":69.45,"sentiment":"neutral","sentiment_score":-0.018079333805612156},{"text":"Yeah.","start":76.845,"end":77.08501,"sentiment":"neutral","sentiment_score":-0.003879256546497345},{"text":"No.","start":77.08501,"end":77.325005,"sentiment":"neutral","sentiment_score":-0.05993296951055527}],"sentiment":"neutral","sentiment_score":-0.0028296743209163346,"num_words":24,"start":58.735,"end":77.325005},{"sentences":[{"text":"It's I've I've moved.","start":77.325005,"end":79.185005,"sentiment":"neutral","sentiment_score":-0.05206078849732876},{"text":"Yeah.","start":83.08501,"end":83.485,"sentiment":"neutral","sentiment_score":0.02944353222846985},{"text":"Number 5 Arthur Street in Aberfeldy.","start":83.485,"end":91.28,"sentiment":"neutral","sentiment_score":0.026860471504429977},{"text":"Yes.","start":103.435,"end":103.595,"sentiment":"neutral","sentiment_score":0.0470987893640995},{"text":"We have.","start":103.595,"end":104.075,"sentiment":"neutral","sentiment_score":0.030003190971910954}],"sentiment":"neutral","sentiment_score":0.006390598469546863,"num_words":14,"start":77.325005,"end":104.075},{"sentences":[{"text":"Yep.","start":104.075,"end":104.575,"sentiment":"neutral","sentiment_score":0.06278824806213379},{"text":"Yep.","start":112.875,"end":113.195,"sentiment":"neutral","sentiment_score":0.114264577627182},{"text":"That's correct.","start":113.195,"end":114.015,"sentiment":"neutral","sentiment_score":0.2617296278476715},{"text":"Yep.","start":145.645,"end":146.145,"sentiment":"neutral","sentiment_score":-0.014911040663719176},{"text":"Yep.","start":194.47499,"end":194.97499,"sentiment":"neutral","sentiment_score":0.02530110999941826}],"sentiment":"neutral","sentiment_score":0.11848369178672631,"num_words":6,"start":104.075,"end":194.97499},{"sentences":[{"text":"So what does that happen straight away?","start":196.155,"end":198.015,"sentiment":"neutral","sentiment_score":-0.019207168902669634},{"text":"Or, like, I was actually thinking I wanted to change funds.","start":198.075,"end":201.775,"sentiment":"neutral","sentiment_score":-0.04112384400584481},{"text":"Yeah.","start":206.5,"end":206.82,"sentiment":"neutral","sentiment_score":0.00970552209764719},{"text":"In Hub 20 four.","start":206.82,"end":208.26,"sentiment":"neutral","sentiment_score":0.0050176974618807435},{"text":"Yep.","start":208.26,"end":208.76,"sentiment":"neutral","sentiment_score":0.021123528480529785}],"sentiment":"neutral","sentiment_score":-0.022329692748220015,"num_words":24,"start":196.155,"end":208.76},{"sentences":[{"text":"Is that possible?","start":209.7,"end":210.84,"sentiment":"neutral","sentiment_score":0.018380698127051193},{"text":"Yep.","start":214.98,"end":215.48,"sentiment":"neutral","sentiment_score":0.07617361843585968},{"text":"Well, I mean, it just doesn't feel like to me like, I know we haven't touched base in, what, twelve months or something, but it just doesn't seem to be going anywhere.","start":221.05501,"end":229.155,"sentiment":"neutral","sentiment_score":-0.26934350561350584},{"text":"Yeah.","start":241.56999,"end":242.06999,"sentiment":"neutral","sentiment_score":0.06720330566167831},{"text":"Yep.","start":279.705,"end":280.205,"sentiment":"neutral","sentiment_score":0.10201209783554076}],"sentiment":"neutral","sentiment_score":-0.2189068700873146,"num_words":38,"start":209.7,"end":280.205},{"sentences":[{"text":"Alright.","start":281.22498,"end":281.54498,"sentiment":"neutral","sentiment_score":0.11832386255264282},{"text":"So it's not that straightforward.","start":281.54498,"end":282.685,"sentiment":"neutral","sentiment_score":-0.04432566910982132},{"text":"Is that what you're saying, pretty much?","start":282.905,"end":284.685,"sentiment":"neutral","sentiment_score":-0.0326823533645698},{"text":"Which yeah.","start":292.96,"end":294.97998,"sentiment":"neutral","sentiment_score":-0.0939556434750557},{"text":"Is that and that's handled by 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going.","start":370.65,"end":371.29,"sentiment":"neutral","sentiment_score":-0.16095177456736565},{"text":"Sorry.","start":371.29,"end":371.79,"sentiment":"neutral","sentiment_score":-0.1126766949892044},{"text":"Alright.","start":396.49,"end":396.99,"sentiment":"neutral","sentiment_score":-0.2109428644180298},{"text":"I just really I just don't know what to do.","start":397.05,"end":401.05,"sentiment":"negative","sentiment_score":-0.5357327818870544}],"sentiment":"negative","sentiment_score":-0.4178044264515241,"num_words":15,"start":370.49,"end":401.05},{"sentences":[{"text":"Like, I'm definitely not happy where we're at and okay.","start":401.05,"end":404.25,"sentiment":"negative","sentiment_score":-0.5452653080224991},{"text":"So some of it's probably partly my fault because I was pretty much uncontactable for last year.","start":404.25,"end":409.38998,"sentiment":"neutral","sentiment_score":-0.3204715865499833},{"text":"But still, I would have thought that I didn't realize that I was the only one that could change it.","start":411.44998,"end":418.825,"sentiment":"neutral","sentiment_score":-0.1982962440699339},{"text":"I thought that was somebody monitoring it all at all times.","start":418.825,"end":421.965,"sentiment":"neutral","sentiment_score":-0.090830593962561},{"text":"Yeah.","start":440.29498,"end":440.615,"sentiment":"neutral","sentiment_score":0.1060262992978096}],"sentiment":"neutral","sentiment_score":-0.26711364690277534,"num_words":59,"start":401.05,"end":440.615},{"sentences":[{"text":"Right.","start":440.615,"end":440.935,"sentiment":"neutral","sentiment_score":0.11993837356567384},{"text":"Yep.","start":440.935,"end":441.435,"sentiment":"neutral","sentiment_score":0.11098726838827132},{"text":"I don't know I don't know what to do.","start":441.735,"end":443.01498,"sentiment":"neutral","sentiment_score":-0.32534224622779423},{"text":"I don't know whether it just should change to, like, an Australian super fund or something like that or just stick with it for a couple of months.","start":443.01498,"end":449.51498,"sentiment":"neutral","sentiment_score":-0.16574615772281373},{"text":"Like, I'm just in two minds at the moment, but I think we need to be active right now and make a few changes.","start":449.575,"end":457.1,"sentiment":"neutral","sentiment_score":-0.06793588182578485}],"sentiment":"neutral","sentiment_score":-0.14235727228815592,"num_words":63,"start":440.615,"end":457.1},{"sentences":[{"text":"Yep.","start":477.835,"end":478.335,"sentiment":"positive","sentiment_score":0.4353644251823426},{"text":"Yep.","start":507.35498,"end":507.85498,"sentiment":"neutral","sentiment_score":0.027726074680685997},{"text":"Yep.","start":512.66003,"end":513.16003,"sentiment":"neutral","sentiment_score":0.044346511363983154},{"text":"Okay.","start":515.14,"end":515.64,"sentiment":"neutral","sentiment_score":0.07692274451255798},{"text":"So where do we go from here?","start":515.78,"end":517.32,"sentiment":"neutral","sentiment_score":-0.011893635083522116}],"sentiment":"neutral","sentiment_score":0.04555493728681044,"num_words":11,"start":477.835,"end":517.32},{"sentences":[{"text":"Like, if something needs to be changed, like, ASAP until I can work out what I'm gonna do next.","start":518.02,"end":523.635,"sentiment":"neutral","sentiment_score":-0.09740052234969641},{"text":"And if I just wanna move it into, like, an Australian Superfund or something like that, can can you do you do that or is that something I have to facilitate on my own?","start":548.89996,"end":557.035,"sentiment":"neutral","sentiment_score":0.03557926241089316},{"text":"Yep.","start":564.295,"end":564.795,"sentiment":"neutral","sentiment_score":0.15819329023361206},{"text":"Yep.","start":570.87,"end":571.37,"sentiment":"neutral","sentiment_score":0.049705833196640015},{"text":"Yep.","start":621.86005,"end":622.36005,"sentiment":"neutral","sentiment_score":0.036899372935295105}],"sentiment":"neutral","sentiment_score":-0.00707350904121995,"num_words":56,"start":518.02,"end":622.36005},{"sentences":[{"text":"And who's your super with?","start":622.82,"end":625.0,"sentiment":"neutral","sentiment_score":0.04537257179617882},{"text":"Yes.","start":627.86005,"end":628.36005,"sentiment":"neutral","sentiment_score":0.21816255152225497},{"text":"Yeah.","start":632.18005,"end":632.68005,"sentiment":"neutral","sentiment_score":0.1101432591676712},{"text":"And can you have two super funds?","start":632.935,"end":634.955,"sentiment":"neutral","sentiment_score":0.10544873348304204},{"text":"Please.","start":643.655,"end":644.155,"sentiment":"neutral","sentiment_score":-0.02638026513159275}],"sentiment":"neutral","sentiment_score":0.08446196926136812,"num_words":15,"start":622.82,"end":644.155},{"sentences":[{"text":"Yep.","start":645.09503,"end":645.59503,"sentiment":"neutral","sentiment_score":0.005376908928155899},{"text":"Yep.","start":648.24005,"end":648.74005,"sentiment":"neutral","sentiment_score":0.08062305301427841},{"text":"Yep.","start":655.2,"end":655.52,"sentiment":"neutral","sentiment_score":0.0799025148153305},{"text":"Alright.","start":655.52,"end":656.02,"sentiment":"neutral","sentiment_score":0.10347195714712144},{"text":"I just don't know what to do.","start":659.935,"end":661.135,"sentiment":"neutral","sentiment_score":-0.17692663307700837}],"sentiment":"neutral","sentiment_score":-0.08810109069401567,"num_words":11,"start":645.09503,"end":661.135},{"sentences":[{"text":"I think maybe if I just leave it for a couple of months as it is, and then you have a look at re have a look at everything.","start":661.135,"end":670.27496,"sentiment":"neutral","sentiment_score":0.002106709726925554},{"text":"Process now.","start":674.81,"end":675.77,"sentiment":"neutral","sentiment_score":0.11157701909542084},{"text":"Yep.","start":675.77,"end":676.01,"sentiment":"neutral","sentiment_score":0.15267135202884674},{"text":"Let's do it.","start":676.01,"end":676.73004,"sentiment":"neutral","sentiment_score":0.20324893295764923},{"text":"Yep.","start":676.73004,"end":677.23004,"sentiment":"neutral","sentiment_score":0.20510177314281464}],"sentiment":"neutral","sentiment_score":0.03477134845323033,"num_words":36,"start":661.135,"end":677.23004},{"sentences":[{"text":"Yep.","start":689.605,"end":690.105,"sentiment":"neutral","sentiment_score":0.1593843698501587},{"text":"Yep.","start":691.125,"end":691.625,"sentiment":"neutral","sentiment_score":0.03384650498628616},{"text":"Yep.","start":697.685,"end":698.165,"sentiment":"neutral","sentiment_score":0.1710750162601471},{"text":"And so that you're talking about, like, people being able to access and move things around.","start":698.165,"end":702.61,"sentiment":"neutral","sentiment_score":0.200072533916682},{"text":"Yeah.","start":707.47,"end":707.87,"sentiment":"neutral","sentiment_score":0.08344271779060364}],"sentiment":"neutral","sentiment_score":0.1824454575777054,"num_words":20,"start":689.605,"end":707.87},{"sentences":[{"text":"Like, how how secure is that?","start":707.87,"end":710.11,"sentiment":"neutral","sentiment_score":0.10439448679486911},{"text":"You know, like Not 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yeah.","start":805.91504,"end":807.275,"sentiment":"neutral","sentiment_score":0.04077569097280502},{"text":"Sort of does.","start":807.275,"end":808.155,"sentiment":"neutral","sentiment_score":0.11250924815734227}],"sentiment":"neutral","sentiment_score":0.08277635804067056,"num_words":12,"start":803.115,"end":808.155},{"sentences":[{"text":"Alright.","start":808.155,"end":808.655,"sentiment":"neutral","sentiment_score":0.24451664090156555},{"text":"Okay.","start":808.87,"end":809.19,"sentiment":"neutral","sentiment_score":0.23371905088424683},{"text":"If you can just get the ball rolling there.","start":809.19,"end":811.29004,"sentiment":"neutral","sentiment_score":0.302929667962922},{"text":"Or you can we do that?","start":811.91003,"end":813.03,"sentiment":"neutral","sentiment_score":0.17914379139741263},{"text":"Is that something we can do now?","start":813.03,"end":814.63,"sentiment":"neutral","sentiment_score":0.12029220163822174}],"sentiment":"neutral","sentiment_score":0.21339628597100577,"num_words":24,"start":808.155,"end":814.63},{"sentences":[{"text":"Or Yep.","start":814.63,"end":835.125,"sentiment":"neutral","sentiment_score":0.1177872009575367},{"text":"Yep.","start":853.245,"end":853.745,"sentiment":"neutral","sentiment_score":0.10749292373657228},{"text":"No.","start":871.03,"end":871.19,"sentiment":"neutral","sentiment_score":-0.07937303930521011},{"text":"It's not.","start":871.19,"end":871.99,"sentiment":"neutral","sentiment_score":-0.07293165847659111},{"text":"No.","start":871.99,"end":872.49,"sentiment":"neutral","sentiment_score":-0.09729796648025511}],"sentiment":"neutral","sentiment_score":0.0029332861304283164,"num_words":7,"start":814.63,"end":872.49},{"sentences":[{"text":"Yeah.","start":875.19,"end":875.51,"sentiment":"neutral","sentiment_score":-0.02122204191982746},{"text":"That changed a long 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correct.","start":903.33997,"end":904.06,"sentiment":"neutral","sentiment_score":0.1614585667848587},{"text":"Yep.","start":904.06,"end":904.425,"sentiment":"neutral","sentiment_score":0.1935097873210907},{"text":"For John?","start":910.985,"end":911.805,"sentiment":"neutral","sentiment_score":-0.003536490723490715}],"sentiment":"neutral","sentiment_score":0.09738166257739067,"num_words":7,"start":882.925,"end":911.805},{"sentences":[{"text":"I'm contactable.","start":921.83997,"end":922.74,"sentiment":"neutral","sentiment_score":-0.29040415585041046},{"text":"Like, I just like, I've just got issues with my phone at work and stuff like that.","start":923.04,"end":926.88,"sentiment":"neutral","sentiment_score":-0.30815579961327944},{"text":"I just don't have access to it generally.","start":926.88,"end":928.72,"sentiment":"neutral","sentiment_score":-0.31789481826126575},{"text":"That's that's what the problem was.","start":928.72,"end":930.82,"sentiment":"negative","sentiment_score":-0.3579356074333191},{"text":"And I think I was only available on on Fridays, which generally I am.","start":931.27997,"end":935.05505,"sentiment":"neutral","sentiment_score":-0.161717027425766}],"sentiment":"neutral","sentiment_score":-0.27179292510164543,"num_words":47,"start":921.83997,"end":935.05505},{"sentences":[{"text":"But yeah.","start":936.79504,"end":937.61505,"sentiment":"neutral","sentiment_score":0.017918676137924194},{"text":"I yep.","start":937.755,"end":939.135,"sentiment":"neutral","sentiment_score":0.08566269464790821},{"text":"Yes.","start":943.755,"end":944.155,"sentiment":"neutral","sentiment_score":0.05345771461725235},{"text":"That's 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another three 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my I don't have an actual photo.","start":1826.14,"end":1830.0599,"sentiment":"neutral","sentiment_score":-0.14473637333139777},{"text":"I've only got it on an app now, the my Victorian license.","start":1830.0599,"end":1833.84,"sentiment":"neutral","sentiment_score":-0.0798933965464433},{"text":"I suppose I can just screenshot that.","start":1834.62,"end":1836.64,"sentiment":"neutral","sentiment_score":0.020171126616852626},{"text":"Yep.","start":1843.335,"end":1843.835,"sentiment":"neutral","sentiment_score":0.029941115528345108},{"text":"Okay.","start":1843.975,"end":1844.475,"sentiment":"neutral","sentiment_score":0.011344850063323976}],"sentiment":"neutral","sentiment_score":-0.06669406528616774,"num_words":29,"start":1826.14,"end":1844.475},{"sentences":[{"text":"Yes.","start":1900.105,"end":1900.605,"sentiment":"neutral","sentiment_score":0.02497926726937294},{"text":"Can you just hold can you just hold on for a sec?","start":1902.4249,"end":1904.9049,"sentiment":"neutral","sentiment_score":-0.008444902952760458},{"text":"Thanks.","start":1904.9049,"end":1905.4049,"sentiment":"neutral","sentiment_score":0.3059944808483124},{"text":"You there?","start":1924.345,"end":1924.9249,"sentiment":"neutral","sentiment_score":0.06821141764521599},{"text":"Yeah.","start":1927.465,"end":1927.7849,"sentiment":"neutral","sentiment_score":0.08061343431472778}],"sentiment":"neutral","sentiment_score":0.026274775428807035,"num_words":17,"start":1900.105,"end":1927.7849},{"sentences":[{"text":"Sorry.","start":1927.7849,"end":1928.2849,"sentiment":"neutral","sentiment_score":-0.025004874914884567},{"text":"Yep.","start":1943.78,"end":1944.1799,"sentiment":"neutral","sentiment_score":0.15523195266723633},{"text":"Okay.","start":1944.1799,"end":1944.58,"sentiment":"positive","sentiment_score":0.3505132496356964},{"text":"Perfect.","start":1944.58,"end":1945.08,"sentiment":"positive","sentiment_score":0.6948518753051758},{"text":"No.","start":1955.265,"end":1955.765,"sentiment":"neutral","sentiment_score":-0.14154621958732605}],"sentiment":"neutral","sentiment_score":0.20680919662117958,"num_words":5,"start":1927.7849,"end":1955.765},{"sentences":[{"text":"No.","start":1955.8251,"end":1956.0651,"sentiment":"neutral","sentiment_score":-0.15493260324001312},{"text":"That's alright.","start":1956.0651,"end":1956.7229,"sentiment":"neutral","sentiment_score":-0.025824779644608498},{"text":"Okay.","start":1958.1628,"end":1958.5629,"sentiment":"neutral","sentiment_score":0.09657827019691469},{"text":"Alright.","start":1958.5629,"end":1958.8829,"sentiment":"neutral","sentiment_score":0.1603822559118271},{"text":"No worries.","start":1958.8829,"end":1959.3629,"sentiment":"neutral","sentiment_score":0.24867026507854462}],"sentiment":"neutral","sentiment_score":0.07824555624808584,"num_words":7,"start":1955.8251,"end":1959.3629},{"sentences":[{"text":"Thank you.","start":1959.3629,"end":1959.8429,"sentiment":"positive","sentiment_score":0.650193840265274},{"text":"Thanks.","start":1959.8429,"end":1960.3429,"sentiment":"positive","sentiment_score":0.6469892263412476},{"text":"Bye.","start":1961.6029,"end":1962.1029,"sentiment":"neutral","sentiment_score":-0.10325787961483002}],"sentiment":"positive","sentiment_score":0.4610297568142414,"num_words":4,"start":1959.3629,"end":1962.1029}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Lisa.\n\nChannel 0: Good afternoon, Lisa. It's Carl calling from AC Financial. How are you today?\n\nChannel 1: Good. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thank you for asking. I had you scheduled in for a bit of a catch up conversation.\n\nChannel 1: Yeah. I just wanted to touch base just regarding my super. I think last time I emailed you just, what, before Christmas?\n\nChannel 0: Yeah. Because I believe it's been quite a while now. I believe even your ongoing service screen turned off because, like, towards the middle to end of last year, we tried to contact you for your annual review. And then I believe then, yeah, end of last year, just before the Christmas break, you\n\nChannel 1: Yep.\n\nChannel 0: emailed in asking\n\nChannel 1: Yep.\n\nChannel 0: to have a conversation. And then, yeah, that which leads us to sort of now. Now did you have time to go through\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: I've\n\nChannel 0: any\n\nChannel 1: I've\n\nChannel 0: review\n\nChannel 1: got a bit\n\nChannel 0: today?\n\nChannel 1: of time. I put yeah. Definitely. Yep.\n\nChannel 0: Okay. Perfect. Just to get started on that there, Lisa, if I could just pass through security with that name, date of birth, and current address, we can get started on on that.\n\nChannel 1: Yep. So it's Lisa Wilde.\n\nChannel 0: Yep.\n\nChannel 1: Date of birth, 1971. And I have changed the dress to I don't know if you've got that.\n\nChannel 0: Probably not given the time that has a lapse. I had the 355 address.\n\nChannel 1: Yeah. No. It's I've I've moved.\n\nChannel 0: Yep. And that new address would be\n\nChannel 1: Yeah. Number 5\n\nChannel 0: yep.\n\nChannel 1: Arthur Street in Aberfeldy.\n\nChannel 0: Perfect. And I know you owned your own house there. So have you sold and moved in that time\n\nChannel 1: Yes.\n\nChannel 0: as\n\nChannel 1: We\n\nChannel 0: well?\n\nChannel 1: have. Yep.\n\nChannel 0: Bear with me. I'll just get all this updated there. And the postcode's 3040. Is that correct?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Perfect. So with that one there, I will go through, and I'll update a few of your other details there as well. I'll run through the fact fine. We can have a bit of discussion around your portfolio performance there as well because I know that that was a concern, and we did wanna obviously address it towards the end of last year or sort of middle to end of last year. We're just unable to get ahold of you.\n\nSo we're definitely, yeah, looking to do an update in regards to that as well,\n\nChannel 1: Yep.\n\nChannel 0: not only for what's occurring sort of in market times recently, but then also the the Benelung investment towards the end of last year. One of their underlying assets, corporate traveler, was done for not reporting correctly, which caused a significant drop in them as well. There are a couple other underperformance for the past twelve months, but that's mainly just due to the market events with what's happening in the global environment at the moment. The the hack cybersecurity side of things and the AI side of things has taken a bit of a dip, But the the team and the investment committee still has come to, like, confidence and conviction in those long term. So that's fine.\n\nThey might be showing a bit of a loss now, but if anything, your contributions going in would be able to push them at a lower cost. But depending along, we're definitely looking to update and sort of remove to an alternative option,\n\nChannel 1: Yep. So\n\nChannel 0: if\n\nChannel 1: what\n\nChannel 0: that\n\nChannel 1: does\n\nChannel 0: makes\n\nChannel 1: that\n\nChannel 0: sense.\n\nChannel 1: happen straight away? Or, like, I was actually thinking I wanted to change funds.\n\nChannel 0: Like, in Hub 24 itself or, like, just, you know,\n\nChannel 1: Yeah.\n\nChannel 0: an underlying\n\nChannel 1: In Hub\n\nChannel 0: in\n\nChannel 1: 20\n\nChannel 0: there?\n\nChannel 1: four. Yep. Is\n\nChannel 0: Because\n\nChannel 1: that\n\nChannel 0: Hub.\n\nChannel 1: possible?\n\nChannel 0: Yeah. Well, Hub 24 is the platform that\n\nChannel 1: Yep.\n\nChannel 0: you use. The underlying investments can be changed on Hub 24. Are you just unhappy with Hub twenty four itself?\n\nChannel 1: Well, I mean, it just doesn't feel like to me like, I know we haven't touched base in, what, twelve months or something, but it just doesn't seem to be going anywhere.\n\nChannel 0: Yeah. Yeah. A lot of that can be due just to the the investment portfolio, which is what we did when I update when we're sort of contacting you back you know, six months ago for your annual review and\n\nChannel 1: Yeah.\n\nChannel 0: updating your investments within that. Because, obviously, Hub 24 is a platform and the usability of the platform obviously, the platform has its own platform costs and and fees associated with holding that, but that's sort of similar to any sort of retail platform, whereas the underlying investments what's get the the returns and the growth out of your superannuation, which is what we were looking to update, which we have to have the conversation for. I can't just go in and change your investments or underlying investments in the background there, Lisa? I have to have a, you know, do an interview, have the conversation, see what your risk tolerance is at, and then look at updating the underlying investments, if that makes sense.\n\nChannel 1: Yep. Alright. So it's not that straightforward. Is that what you're saying, pretty much?\n\nChannel 0: No. No. Like, just in terms of, like, Hub 24 itself isn't what gets you the returns. It's the underlying investments, which is what we were\n\nChannel 1: Which\n\nChannel 0: sort of looking to\n\nChannel 1: yeah. Is that and that's handled by you?\n\nChannel 0: sorry? Yeah. So, like, a part of that is, like, we can't just change it without speaking to you. That's like, we have to provide a statement of advice. There are accounts or, like, separate managed accounts with Oakview does have one now, where they can change the underlying investments without having to consult with you first.\n\nChannel 1: Yep.\n\nChannel 0: Because at the moment, you hold, like, direct, like, ETF or exchange traded funds, which we have to notify you anytime we make a a product change and provide a statement of advice to illustrate that. Whereas\n\nChannel 1: Yep.\n\nChannel 0: with the separately managed accounts or the SMA, we just basically recommend that account and then the underlying investments within that, the investment committee alongside BlackRock, another sort of investment partner that they're doing it in conjunction with, can change the underlying investments where they regularly update that and they review it every sort of quarter to see if anything needs to change. And they can be a\n\nChannel 1: Yes.\n\nChannel 0: little bit more dynamic in changing things as opposed to, like, if we can't get a hold of you, if they were looking to remove Benelung at that stage, you know, they would have been able to make that change without able to get in contact with you and that sort of back and forth as well, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Where what was sorry?\n\nChannel 1: Yeah. No. Keep going. Sorry.\n\nChannel 0: Yeah. Whereas, like, I'm still happy, like, following this conversation once we update all your details, goals, and and risk portfolio, we can look at just doing an update of your investments, still maintaining your own portfolio. You have a little bit more control over what goes into it and sort of the changes that can occur versus like an an SMA as well.\n\nChannel 1: Alright. I just really I just don't know what to do. Like, I'm definitely not happy where we're at and okay. So\n\nChannel 0: Yep.\n\nChannel 1: some of it's probably partly my fault because I was pretty much uncontactable for last year.\n\nChannel 0: Yep.\n\nChannel 1: But still, I would have thought that I didn't realize that I was the only one that could change it. I thought that was somebody monitoring it all at all times.\n\nChannel 0: So the investment can be monitored the portfolios, but as far as, like, making changes, you have to be notified of, like, changes to your underlying investments unless you were in one of those, like, separately managed accounts where they can change the underlying investments, if that makes sense.\n\nChannel 1: Yeah. Right. Yep. I don't know I don't know what to do. I don't know whether it just should change to, like, an Australian super fund or something like that or just stick with it for a couple of months.\n\nLike, I'm just in two minds at the moment, but I think we need to be active right now and make a few changes.\n\nChannel 0: Yep. So so with that one, if you wanna sort of be a little bit more hands off and not have to deal with any sort of, like, changes and just have the investigating committee do updates as they sort of see fit, and you not have to be, like, contacted for that to sort of be a little bit more dynamic with what happens in the market to being able to make those changes.\n\nChannel 1: Yep.\n\nChannel 0: I can show you what that SMA looks like in terms of, like, the cost, its current returns, and then the benefits of that one, and any sort of cost of the CGT and things like that as well, and then illustrate what that sort of shows. Because at the moment, you do have quite a high allocation to that Ben Long Fund that didn't perform too well, like, come November there due to the underlying investment issue, which is high a high allocation to that active portion of your portfolio,\n\nChannel 1: Yep.\n\nChannel 0: which did significantly impact the performance for the last twelve months there as well,\n\nChannel 1: Yep.\n\nChannel 0: if that makes\n\nChannel 1: Okay.\n\nChannel 0: sense.\n\nChannel 1: So where do we go from here? Like,\n\nChannel 0: Yep.\n\nChannel 1: if\n\nChannel 0: So\n\nChannel 1: something needs to be changed, like, ASAP until I can work out what I'm gonna do next.\n\nChannel 0: yep. Well, if you sort of just wanna have a look at what that update looks like with an account that you don't have to be as sort of involved in with any sort of updates that do occur, I'll show you what that looks like in a statement of advice piece. It may take a few weeks to put together, and then we'll just confirm your your details here in regards to the the fact finding your goals and do the risk profile. And then from there, we'll get started on that document\n\nChannel 1: And if\n\nChannel 0: for\n\nChannel 1: I just\n\nChannel 0: you.\n\nChannel 1: wanna move it into, like, an Australian Superfund or something like that, can can you do you do that or is that something I have to facilitate on my own?\n\nChannel 0: So in terms of that, you wouldn't be a client at, like, Oakview Financial anyway. You'd just be sort of managing your own superannuation. Now\n\nChannel 1: Yep.\n\nChannel 0: with that, in terms of doing it, all you'd have to do is basically set up the Australian super account, pick\n\nChannel 1: Yep.\n\nChannel 0: the investment choice that you want, and then from there, you can request your funds from Hub twenty four. Now it would take, you know, a few weeks to sort of sell down the assets you currently have within Hub twenty four and then going into an industry fund. There will be, like, CGT associated with that as well. And the the cost of that one, which we sorta can get the the figure for you as well. In addition to that one at the moment with everything that is going on, there is quite a bit of volatility in the market.\n\nSo you just gotta be mindful of the risk that if the market sort of change while you're selling down to cash, you may lose out on some potential gains, or you might sort of also, you know, incur a few losses if the market was to jump up while you sold to cash while you were transferring over to Australian Super within that sort of two to three week period with going to cash and getting reinvested within Australian Super, if that makes sense.\n\nChannel 1: Yep. And who's your super with?\n\nChannel 0: My super. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: I also have a a retail platform similar to Hub twenty four.\n\nChannel 1: Yeah. And can you have two super funds?\n\nChannel 0: Yep. You can definitely have two super funds. It's not normally recommended if you don't have to because of the each platform has its own sort of administration\n\nChannel 1: Please.\n\nChannel 0: fees and\n\nChannel 1: Yep.\n\nChannel 0: membership fees that you do have to pay.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, you can have more than one fund if you wanted to. Yeah.\n\nChannel 1: Yep. Alright. I just don't know what to do. I think maybe if I just leave it for a couple of months as it is, and then you have a look at re have a look at everything.\n\nChannel 0: Yeah. Well, I can just start the the process\n\nChannel 1: Process\n\nChannel 0: now of them sort\n\nChannel 1: now.\n\nChannel 0: of\n\nChannel 1: Yep. Let's\n\nChannel 0: yeah.\n\nChannel 1: do it.\n\nChannel 0: And then\n\nChannel 1: Yep.\n\nChannel 0: that way, yeah, in a few months, it should sort of be ready to have another conversation where things are at and then show you what, like, it might look like to to update that. And you'd sorta I can book in another time just so we've got it in\n\nChannel 1: Yep.\n\nChannel 0: there as well. So\n\nChannel 1: Yep.\n\nChannel 0: you'd be sorta looking around maybe start of start of May to have another conversation around it.\n\nChannel 1: Yep. And so that you're talking about, like, people being able to access and move things around.\n\nChannel 0: In terms of, like, the investment committee changing the investments?\n\nChannel 1: Yeah. Like, how how secure is that? You know, like\n\nChannel 0: So that's it comes down to the Oakview Financial partner with BlackRock. I'm not too sure if you heard of that institution before, but\n\nChannel 1: Not\n\nChannel 0: they're\n\nChannel 1: really.\n\nChannel 0: quite a large investment institution, and they also have their own softwares that help sort of build portfolios and look to to future sort of outcomes. Now with that, it's not to say that, like, someone's just going in and having a play around with that. It is an investment committee meetings that do a core like, you know, monthly is a general meeting, and then quarterly, they review the portfolios and anything that needs changing within those separately managed accounts. And then\n\nChannel 1: Yes.\n\nChannel 0: they look to update it. Not to say that they're just gonna go in and change a bunch of things around. It just means that if they do sort of see sort of outcomes or different emerging markets that they do wanna sort of move towards and things like that, they regularly update the portfolio. And because it is like a pooled fund that you'd be a part of and have units in, much like, you know, Australian super and things like that, they'd be able to make those changes without having to contact you, get in touch, have a conversation, look at doing an update, providing you a statement of advice document to do any sort of minor changes to products. Because anytime we change a product or you're, like, investment option, we have\n\nChannel 1: Yep.\n\nChannel 0: to provide a statement of advice illustrating that and the sort of advantages, disadvantages so you can make that informed decision. Whereas when you buy into, like, an an SMA or strategic manager account or separately managed account, you're buying into the product that is account that is managed, and then they're able to make those changes under that so you're aware of, like, the risk of the the bat,\n\nChannel 1: Yep. Okay.\n\nChannel 0: if if that makes sense.\n\nChannel 1: Yeah. It does. It's a lot, but yeah. Sort of does.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Okay. If you can just get the ball rolling there.\n\nChannel 0: Yep.\n\nChannel 1: Or you can we do that? Is that something we can do now? Or\n\nChannel 0: Yeah. I'll I'll get that started now, and then I'll book in that time for, say, May. I'll even try and get all the document and everything done to, like, not to put it at the top of the pile, but not to put it so low that it's not done by then either. And then sort of the May, I'll check it in my calendar to reach out a sort of similar time around 1PM your time.\n\nChannel 1: Yep.\n\nChannel 0: And then if you don't pick up, obviously, we'll just try and get in touch at another time. But I'll chuck that in, and then we'll get that started on the investment update. And I'll just quickly also run through your back find here in your risk profile just to see if there's anything else that needs adjusting there as\n\nChannel 1: Yep.\n\nChannel 0: well. Perfect. So I'll just update those details there quickly, so bear with me there. That's just taking a second to load back up. Now in regards to your email, is that still lisa.3@bigpond.com,2d's?\n\nChannel 1: No. It's not. No.\n\nChannel 0: That's changed as well?\n\nChannel 1: Yeah. That changed a long time ago.\n\nChannel 0: Okay. Maybe you have is it the lisa.wild355@gmail.com?\n\nChannel 1: Yep. Yeah. That's correct. Yep.\n\nChannel 0: Okay. I mean, it was just the old one in that. So they have done, like, a few business changes and updates and things as well. So a few things when consolidating to the newer workbooks has been mixed around a little bit, but that's more than fine. And I've got John here as your next of kin contact.\n\nIs that\n\nChannel 1: Yep.\n\nChannel 0: still correct?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Perfect. I don't actually have any details, though, in the event that we couldn't reach you, though. Did you wanna track down a phone number and email?\n\nChannel 1: For John?\n\nChannel 0: Yeah. Just in the event that we couldn't reach you, say, like, that you know, over that six month period where we couldn't really contact you, we just, like, sort of text or call John to see if there was a reason\n\nChannel 1: I'm\n\nChannel 0: we couldn't.\n\nChannel 1: contactable. Like, I just like, I've just got issues with my phone at work and stuff like that. I just don't\n\nChannel 0: Okay.\n\nChannel 1: have access to it generally. That's that's what the problem was. And I think I was only available on on Fridays, which generally I am.\n\nChannel 0: Yep.\n\nChannel 1: But yeah.\n\nChannel 0: That's more than\n\nChannel 1: I\n\nChannel 0: fine. Yeah.\n\nChannel 1: yep.\n\nChannel 0: We can leave that blank. And as far as work, you're still in medical administrator?\n\nChannel 1: Yes. That's right. Yep.\n\nChannel 0: Yep. And as far as your work schedule, are you still permanent part time?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And how many hours are you doing at the moment?\n\nChannel 1: Oh, I can sort of it varies, really. It is around it's probably around thirty hours. Let's sort of say between twenty eight and thirty.\n\nChannel 0: Yep. And how long have you been doing that? Sorry. I just don't have it here for my records in terms\n\nChannel 1: Yeah.\n\nChannel 0: of, like,\n\nChannel 1: That's\n\nChannel 0: industry\n\nChannel 1: in\n\nChannel 0: experience. And\n\nChannel 1: about ten years.\n\nChannel 0: then in regards to your income, do you\n\nChannel 1: It's\n\nChannel 0: know what your annual income is around at the moment?\n\nChannel 1: paying it part time. So I think I think it's around about forty six or something like that.\n\nChannel 0: Yep. And as far as, like, a a budget there too, Lisa, do you know sort of what your expenses and savings looks like per week?\n\nChannel 1: No. I'm not\n\nChannel 0: Yes.\n\nChannel 1: good at budgeting\n\nChannel 0: No. No.\n\nChannel 1: yet.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: fine.\n\nChannel 1: I know for a full time, it's about 71 72,000, but\n\nChannel 0: Yep.\n\nChannel 1: I'm not yeah.\n\nChannel 0: I'll do a little bit of math later and see how that sort of lines up. So that it doesn't make a huge impact if we're not doing any sort of cash flow on budgeting or contribution strategies or things like that.\n\nChannel 1: Well, see, I wanted to sort of I do have another sort of part time role that I was thinking of putting some extra cash into. And I just I like, I work as a contractor. The hours vary per week. So and I was gonna start contributing, but when the suicide doesn't look that great, I really am apprehensive about it.\n\nChannel 0: Yes. I can put that down as, like, a future goal, and then we can sorta, you know, see how you're going at, like, your next tenure review and see\n\nChannel 1: Yeah.\n\nChannel 0: how you\n\nChannel 1: And\n\nChannel 0: feel\n\nChannel 1: I have\n\nChannel 0: about\n\nChannel 1: been\n\nChannel 0: it.\n\nChannel 1: putting, like, an extra $25 a week in, the super, but it's still yeah. It's just getting eaten up.\n\nChannel 0: I'll track that down. And that's $25 extra a week. That's salary sacrifice at the moment?\n\nChannel 1: Yeah. That's right. Yep.\n\nChannel 0: Perfect. And then as far as any other contributions at the moment, are you making any other contributions?\n\nChannel 1: No. I'm just gonna\n\nChannel 0: Yeah.\n\nChannel 1: sit on it. Yep.\n\nChannel 0: No problem. And your part time contractor role, what's that in regards to?\n\nChannel 1: I work as a Pilates instructor.\n\nChannel 0: Yep. And how many hours a week do you sort of normally do that?\n\nChannel 1: It can kinda vary anywhere between sort of two and six.\n\nChannel 0: And is it just running classes?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And how much do you reckon you bring home for that?\n\nChannel 1: It varies from week to week. So sort of probably around $2.50 a week. Depends how many classes I do.\n\nChannel 0: And in regards to assets and liabilities, so with the house there and with the buying and the selling, do you\n\nChannel 1: Yep.\n\nChannel 0: know roughly the value of your new home?\n\nChannel 1: The value, we purchased it for about 2,000,000.\n\nChannel 0: Yep. And is there anything iron on that one?\n\nChannel 1: Yeah. There is. Yep.\n\nChannel 0: Do you know the mortgage value currently?\n\nChannel 1: I think it's about 600,000.\n\nChannel 0: Yep. And just confirming too, you used to have a couple investment properties. Have you sold those now?\n\nChannel 1: Yeah. We have. Yep.\n\nChannel 0: Yep. And I've got a car worth around 20,000 here. Is that still similar to the car you've got now?\n\nChannel 1: Yeah. Same car. Yep.\n\nChannel 0: Yep. And a boat worth 100,000?\n\nChannel 1: Nope. Sold sold it.\n\nChannel 0: Hold the boat. And as far as, like, a savings account or any like, an offset account, do you hold a savings or offset account at the moment?\n\nChannel 1: Yeah. We've got an offset. Yep.\n\nChannel 0: Yep. And if you don't mind me asking, how much you got sitting in that at the moment?\n\nChannel 1: About 400,000.\n\nChannel 0: Yep. And are there any other assets or liabilities?\n\nChannel 1: No.\n\nChannel 0: Yep. Not a problem. And apologies if you answered these previously as well. It says the new workbooks. We're just getting everything up to date.\n\nBut you've never declared bankruptcy or a part on debt agreement prior?\n\nChannel 1: No. No.\n\nChannel 0: Yep. And as far as smoker status, you're nonsmoker?\n\nChannel 1: No. No smoker.\n\nChannel 0: Yep. And any significant health injuries or anything then that passed\n\nChannel 1: No.\n\nChannel 0: sort of Yep. Any medications currently?\n\nChannel 1: No.\n\nChannel 0: And do you hold private health insurance?\n\nChannel 1: Yes.\n\nChannel 0: Is that, like, hospitals and extras?\n\nChannel 1: Oh, hospital's next to it. Yep.\n\nChannel 0: Right. And as far as a will goes, have you managed around to getting a will sorted?\n\nChannel 1: No.\n\nChannel 0: Yeah. No. That's fine.\n\nChannel 1: I know.\n\nChannel 0: Obviously, they are an important sort of tool when it comes\n\nChannel 1: They\n\nChannel 0: to\n\nChannel 1: are very much it.\n\nChannel 0: yeah. We can send through some lawyer information if you'd like just on a general sorta lawyer here that's just got a little information booklet from some general pricing on wheels and estates, if you'd like to have a look through that.\n\nChannel 1: We've got a lawyer locally. We just not something we kind of thought about, but we need to get on to it definitely.\n\nChannel 0: Yeah. Yeah. Understandable. It's obviously one of those things you'd spit out of sight out of mind, but\n\nChannel 1: It\n\nChannel 0: things\n\nChannel 1: is.\n\nChannel 0: do\n\nChannel 1: I\n\nChannel 0: happen,\n\nChannel 1: know\n\nChannel 0: unfortunately.\n\nChannel 1: anything can happen\n\nChannel 0: And\n\nChannel 1: and\n\nChannel 0: yeah.\n\nChannel 1: it does. Yep. You do see it.\n\nChannel 0: And things get messy quickly when it comes to money and family, unfortunately.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: It\n\nChannel 0: more\n\nChannel 1: does.\n\nChannel 0: often than not.\n\nChannel 1: Yep.\n\nChannel 0: And these questions are a little bit random there, but are you a tax resident for any other forest foreign jurisdiction?\n\nChannel 1: No.\n\nChannel 0: Yep. And you're not involved in any sort of politics or any family in politics, are you?\n\nChannel 1: No.\n\nChannel 0: Yep. Bit of a random one, I know, but it's just to do with a bit of any money laundering and also\n\nChannel 1: Yep.\n\nChannel 0: just to make sure that, yeah, we're adequately protecting people that have their details out there online, so that's fine. And as far as goals are concerned, I know the main goal originally was, like, just paying down the mortgages and potentially having investment in the future. Where are you sort of standing when it comes to, you know, having an investment property again or, you know, another investment?\n\nChannel 1: Yeah. Not at this point. No. No more investment property.\n\nChannel 0: Yep. Just happy to paying down the mortgage\n\nChannel 1: Yep.\n\nChannel 0: there.\n\nChannel 1: Yep.\n\nChannel 0: Yep. He's still sort of planning on, you know, buying a caravan, doing the trip around Australia. Is that sort of still the longer term\n\nChannel 1: Yep.\n\nChannel 0: goal?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And in regards to any other goals that you're sort of working towards, Lisa, is there anything else that you're sort of working towards at the moment?\n\nChannel 1: No. It was really just trying to focus on our super now and building that up.\n\nChannel 0: Yep. Understandable. And then as far as insurances go, obviously, you've got a bit of debt there again. But are you sort of looking to review that at any point, or are you happy being more self\n\nChannel 1: We're\n\nChannel 0: insured\n\nChannel 1: just happy\n\nChannel 0: and\n\nChannel 1: with yeah. Happy where things are at the moment.\n\nChannel 0: yep. Completely understandable. And then in regards to a risk profile, obviously, we'll quickly run through that. But you haven't had any direct shares since you last spoke to us, have you?\n\nChannel 1: Sorry?\n\nChannel 0: Direct shares, like, held any direct shares?\n\nChannel 1: Oh, no. No.\n\nChannel 0: Yep. And then as far as inflation goes, so the cost of living sort of keeps creeping up there. Would you consider yourself still you know, take on that moderate to higher amount of risk to outpace inflation to get a bit of a return out of your your superannuation, not just being, like, investing in cash and getting the standard interest rate?\n\nChannel 1: What what do you mean?\n\nChannel 0: So if you, like, sort of just had all your money in cash, you'd just get, like, you know, your general interest rate, which is generally the cash rate that the RBA set, so it depends on your bank a little bit. But to, you know, get a higher return and make sure that inflation isn't eating away at, like, your the gains or interest you earn on your money, you sometimes have to, you know, take on, you know, a bit more risk by having shares, you know, property, things like that within investments to get a higher return to make sure that your money is actually growing. Because obviously, a dollar today is worth more than a dollar tomorrow generally because, like, inflation\n\nChannel 1: Yes.\n\nChannel 0: keeps going up and the buying power just sort of keeps decreasing over time. So to make sure that your money is growing in sense that it's growing in value and then still has the same sort of buying capacity as well. You need to take on that little bit more risk, which is what that that's referring to. So would you consider yourself a little bit more of a moderate risk taker still or higher risk taker?\n\nChannel 1: Definitely moderate.\n\nChannel 0: Yep. And then after six months, if you did invest or change your investments and it did decrease by 20% just due to general financial market trends, say the the war continues on, would you sort of just wait and hold that out, or would you sort of be a bit concerned, maybe look to switching back to cash, things like that that are a bit more defensive or maybe even\n\nChannel 1: I'd probably get a bit conservative. Yeah.\n\nChannel 0: yep. Not a problem. And then in regards to your superannuation dropping, like, things through COVID and things like that, did that make you quite concerned? Or\n\nChannel 1: It did. Yeah.\n\nChannel 0: Yep. And then in regards to borrowed money, obviously, you've had borrowed money in regards to a few property and other things as well. Would you ever put borrowed money into anything else? Are you kind of done borrowing money at the moment?\n\nChannel 1: We're done for the moment.\n\nChannel 0: Yeah. No problem. So that does still bring you out as a growth investor there, Lisa, which is about that eightytwenty. So about 80¢ growth assets, about 20% defensive. Now in regards to that, we can obviously look at doing an update that's still in line with the growth portfolio, as I said, for\n\nChannel 1: Yep.\n\nChannel 0: when we're sort of touching base in a a month and a bit of their time.\n\nChannel 1: Yep.\n\nChannel 0: And then we can sort of run through that document, see if you're happy with everything. And then if you've got any questions from there or wanna look at something different as well, we can do that for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Okay. How long does this process take to change it over?\n\nChannel 0: So the the document, so I was just doing the research and putting it all together just with the the little bit of a backlog at the moment. It just take a couple weeks now just because we're you wanted to leave it alone and sort of touch base in a a month and a bit there anyway. We've just got it booked in for the May 5. And then if\n\nChannel 1: Yes.\n\nChannel 0: you were to sort of be happy with everything and then sort of look to to change it and accept that recommendation, then the change is, like, from you signing the document to do an investment switch. It, like, can be actioned that day or, like, the next day, and then\n\nChannel 1: Alright.\n\nChannel 0: from\n\nChannel 1: So\n\nChannel 0: there.\n\nChannel 1: you you don't do it now? Okay. We have to wait. It's gonna take another three months.\n\nChannel 0: Well, just because you wanted to leave it alone there, I can sort of book you in closer, say, a week and a bit from now if you'd\n\nChannel 1: Yeah.\n\nChannel 0: like to. And\n\nChannel 1: Sorry.\n\nChannel 0: then\n\nChannel 1: I think I I think I don't know if you're I'm confused or I thought that you were gonna get the process going now. So change the investments over now, and then we'll reassess in three months as to\n\nChannel 0: no. Yes. Sorry. I thought you just meant the process of just starting the document and\n\nChannel 1: no.\n\nChannel 0: leaving things as with.\n\nChannel 1: Yeah. I\n\nChannel 0: So,\n\nChannel 1: don't\n\nChannel 0: yeah,\n\nChannel 1: wanna wait\n\nChannel 0: to change\n\nChannel 1: another three months.\n\nChannel 0: yeah. Okay. No. To change the investments, we actually have to provide that document so I can book a time in sort of, you know, week and a bit there. So maybe Tuesday, the twenty fourth, even I'll book in for the same time, and then\n\nChannel 1: Yep.\n\nChannel 0: we can sort of provide you the document there. And then you can sort of make a decision if you'd like to undertake\n\nChannel 1: Yep.\n\nChannel 0: that investment\n\nChannel 1: Yep.\n\nChannel 0: update.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now in regards to your annual review documents, because obviously, I don't have any of them prepared for you, so I can get them to send an annual review pack out with, like, obviously, the the twelve month performance and a few other documents there as well, which will also include that ongoing service agreement. Now, obviously, we are updating your advice. It has expired. So you haven't been paying us a fee, which is a bit good for you.\n\nIt's obviously a bit of a discount. But in saying that, moving forward, if you were to sign that happy to stay on, at least for the the time being, it would start that fee again. Now it isn't a locking contract. So even if you did sign it in a month from now, you go, actually, I just wanna go back to an industry fund and just leave it as is,\n\nChannel 1: Yep.\n\nChannel 0: then you can just opt out of the service still. You don't, like, lock into a twelve month contract, if that makes sense.\n\nChannel 1: Yep. Okay.\n\nChannel 0: But it would still be that 1.65% ongoing fee of the the balance. Do you have any questions or concerns regarding that?\n\nChannel 1: Yep. No. No.\n\nChannel 0: Yeah. That's fine. As far as the performance for the last twelve month period, it is seeing only point 4%. That's largely due to what occurred with Benelong and what's happened the past few months with the war in Iran. Now in saying that, you know, being in a growth portfolio, you're still expected to have some bad years.\n\nSo Bennelong coupled with what is happening in the the global climate as well is sort of what has occurred there. Now in terms of, like, losing money, I hasn't actually lost money in the last twelve months. I've been saying that we'll look to do an update that sorta is sort of better indicative of what's gonna occur potentially in the next sorta few years, the five to to seven year mark of holding, like, a a growth portfolio for you there, Lisa.\n\nChannel 1: Yeah.\n\nChannel 0: And is there anything else that you want addressed in that document\n\nChannel 1: No.\n\nChannel 0: there\n\nChannel 1: Not.\n\nChannel 0: or just the investment update? No. That's perfectly\n\nChannel 1: Yep.\n\nChannel 0: fine. But do you have any other questions for me that I haven't answered or anything today regarding\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: No.\n\nChannel 0: Yep. Not a problem. Well, I'll just get a start on this now, and I've got you booked in for the twenty fourth there. If you do have any questions in the meantime or wanna have a chat about anything, feel free to just reach out, and I'm happy to answer those via email or not or to organize another phone call. As far as\n\nChannel 1: Yep.\n\nChannel 0: things we do need to update there, your ID is currently expired. So I can just send you an email if you can provide just an updated, like, driver's license front and back. We'll get that certified on file just to be able to provide you updated advice, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: No problem at all, Lisa. Or you can actually just respond to that with the email chain that we've already got going there, if you don't mind, just with the the front and back license photo. And if I don't have it in a bit there, I'll just send you another reminder email.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: But if you don't have any questions for me, at least, I'll get a start on that one, and then we'll be chatting in a week and a bit there.\n\nChannel 1: Yep. Okay. So my I don't have an actual photo. I've only got it on an app now, the my Victorian license.\n\nChannel 0: Yep.\n\nChannel 1: I suppose\n\nChannel 0: If you,\n\nChannel 1: I can just screenshot that.\n\nChannel 0: yeah, if you screenshot that, just make sure you've got the card number with that and then the the reference number for your license as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: I'm just trying to think for Victoria what's actually on there from from memory. I'll just have a quick look to see. There's some there's obviously the states are a little bit different. Bear with me two seconds. Because I believe there's two different numbers we'll need from the the card to ensure that Yeah.\n\nSo there will just be a license number there, and then there'll also be a card number. The card number is generally a pay number with the the Victorian ones\n\nChannel 1: Yes.\n\nChannel 0: and then the license number. So as long as\n\nChannel 1: Can\n\nChannel 0: you capture\n\nChannel 1: you just\n\nChannel 0: that in\n\nChannel 1: hold\n\nChannel 0: the\n\nChannel 1: can\n\nChannel 0: expiry\n\nChannel 1: you just hold on for a sec? Thanks.\n\nChannel 0: Yep.\n\nChannel 1: You there?\n\nChannel 0: Yep. Still here.\n\nChannel 1: Yeah. Sorry.\n\nChannel 0: No. That's perfectly fine. Yeah. So as long as it does have your license number and that that card number in the the screenshot there of that last night, that should be fine. And if, obviously, with the expiration date and your picture of yourself in it.\n\nChannel 1: Yep. Okay. Perfect.\n\nChannel 0: No problem, Lisa. Any other questions for me there? No problem at all. Well, I'll let you get back to you today. Thanks for your time there.\n\nI know it was a little bit long winded there in the end,\n\nChannel 1: No.\n\nChannel 0: but\n\nChannel 1: No.\n\nChannel 0: we'll\n\nChannel 1: That's\n\nChannel 0: be speaking\n\nChannel 1: alright.\n\nChannel 0: shortly as well.\n\nChannel 1: Okay. Alright. No worries. Thank you. Thanks.\n\nChannel 0: Thanks, Lisa. Bye now.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.12487679719924928},{"text":"This is Lisa.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.12303695331017177}],"sentiment":"neutral","sentiment_score":0.12349691428244114,"channel":1,"num_words":4,"start":1.28,"end":2.5},{"sentences":[{"text":"Good afternoon, Lisa.","start":2.96,"end":3.84,"sentiment":"positive","sentiment_score":0.5430505673090616},{"text":"It's Carl calling from AC Financial.","start":3.84,"end":5.52,"sentiment":"positive","sentiment_score":0.3688087562719981},{"text":"How are you today?","start":5.52,"end":6.42,"sentiment":"positive","sentiment_score":0.3866543248295784}],"sentiment":"positive","sentiment_score":0.4145093491444221,"channel":0,"num_words":13,"start":2.96,"end":6.42},{"sentences":[{"text":"Good.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.4889556169509888},{"text":"How are you?","start":6.7999997,"end":7.7,"sentiment":"positive","sentiment_score":0.34188071886698407}],"sentiment":"positive","sentiment_score":0.37864944338798523,"channel":1,"num_words":4,"start":6.3999996,"end":7.7},{"sentences":[{"text":"Yeah.","start":8.4,"end":8.72,"sentiment":"neutral","sentiment_score":0.2862488627433777},{"text":"Not too bad at all.","start":8.72,"end":9.599999,"sentiment":"positive","sentiment_score":0.3727782130241394},{"text":"Thank you for asking.","start":9.599999,"end":10.639999,"sentiment":"positive","sentiment_score":0.7202716618776321},{"text":"I had you scheduled in for a bit of a catch up conversation.","start":10.639999,"end":12.98,"sentiment":"positive","sentiment_score":0.3744287330370683}],"sentiment":"positive","sentiment_score":0.43038261325463006,"channel":0,"num_words":23,"start":8.4,"end":12.98},{"sentences":[{"text":"Yeah.","start":13.759999,"end":14.24,"sentiment":"neutral","sentiment_score":0.20312346518039703},{"text":"I just wanted to touch base just regarding my super.","start":14.24,"end":18.904999,"sentiment":"neutral","sentiment_score":0.202512726187706},{"text":"I think last time I emailed you just, what, before Christmas?","start":18.904999,"end":22.765,"sentiment":"neutral","sentiment_score":0.010969822041013023}],"sentiment":"neutral","sentiment_score":0.10676903497766364,"channel":1,"num_words":22,"start":13.759999,"end":22.765},{"sentences":[{"text":"Yeah.","start":23.735,"end":24.235,"sentiment":"neutral","sentiment_score":0.0010168887674808502},{"text":"Because I believe it's been quite a while now.","start":24.295,"end":26.775,"sentiment":"neutral","sentiment_score":-0.06647680906785859},{"text":"I believe even your ongoing service screen turned off because, like, towards the middle to end of last year, we tried to contact you for your annual review.","start":26.775,"end":33.7,"sentiment":"neutral","sentiment_score":-0.14003523306122848},{"text":"And then I believe then, yeah, end of last year, just before the Christmas break, you","start":33.920002,"end":37.52,"sentiment":"neutral","sentiment_score":-0.01946855487767607}],"sentiment":"neutral","sentiment_score":-0.08943995919630483,"channel":0,"num_words":54,"start":23.735,"end":37.52},{"sentences":[{"text":"Yep.","start":37.45,"end":37.95,"sentiment":"neutral","sentiment_score":0.003329536644741893}],"sentiment":"neutral","sentiment_score":0.003329536644741893,"channel":1,"num_words":1,"start":37.45,"end":37.95},{"sentences":[{"text":"emailed in asking","start":37.52,"end":38.8,"sentiment":"neutral","sentiment_score":0.03174962103366852}],"sentiment":"neutral","sentiment_score":0.03174962103366852,"channel":0,"num_words":3,"start":37.52,"end":38.8},{"sentences":[{"text":"Yep.","start":38.65,"end":39.15,"sentiment":"neutral","sentiment_score":0.026298411190509796}],"sentiment":"neutral","sentiment_score":0.026298411190509796,"channel":1,"num_words":1,"start":38.65,"end":39.15},{"sentences":[{"text":"to have a conversation.","start":38.8,"end":39.940002,"sentiment":"neutral","sentiment_score":0.029033643659204245},{"text":"And then, yeah, that which leads us to sort of now.","start":40.485,"end":43.305,"sentiment":"neutral","sentiment_score":-0.022390610792420128},{"text":"Now did you have time to go through","start":43.765,"end":47.045,"sentiment":"neutral","sentiment_score":-0.0071878747548907995}],"sentiment":"neutral","sentiment_score":-0.008159354005170904,"channel":0,"num_words":23,"start":38.8,"end":47.045},{"sentences":[{"text":"Yeah.","start":46.815,"end":47.055,"sentiment":"neutral","sentiment_score":0.011475229635834694}],"sentiment":"neutral","sentiment_score":0.011475229635834694,"channel":1,"num_words":1,"start":46.815,"end":47.055},{"sentences":[{"text":"your","start":47.045,"end":47.125,"sentiment":"neutral","sentiment_score":-0.0009106695652008056}],"sentiment":"neutral","sentiment_score":-0.0009106695652008056,"channel":0,"num_words":1,"start":47.045,"end":47.125},{"sentences":[{"text":"I've","start":47.055,"end":47.215,"sentiment":"neutral","sentiment_score":0.007751098833978176}],"sentiment":"neutral","sentiment_score":0.007751098833978176,"channel":1,"num_words":1,"start":47.055,"end":47.215},{"sentences":[{"text":"any","start":47.204998,"end":47.445,"sentiment":"neutral","sentiment_score":0.012402132153511047}],"sentiment":"neutral","sentiment_score":0.012402132153511047,"channel":0,"num_words":1,"start":47.204998,"end":47.445},{"sentences":[{"text":"I've","start":47.215,"end":47.455,"sentiment":"neutral","sentiment_score":0.011745091527700424}],"sentiment":"neutral","sentiment_score":0.011745091527700424,"channel":1,"num_words":1,"start":47.215,"end":47.455},{"sentences":[{"text":"review","start":47.445,"end":47.765,"sentiment":"neutral","sentiment_score":0.013028249144554138}],"sentiment":"neutral","sentiment_score":0.013028249144554138,"channel":0,"num_words":1,"start":47.445,"end":47.765},{"sentences":[{"text":"got a bit","start":47.455,"end":47.935,"sentiment":"neutral","sentiment_score":0.017388756076494854}],"sentiment":"neutral","sentiment_score":0.017388756076494854,"channel":1,"num_words":3,"start":47.455,"end":47.935},{"sentences":[{"text":"today?","start":47.765,"end":48.265,"sentiment":"neutral","sentiment_score":0.02029409445822239}],"sentiment":"neutral","sentiment_score":0.02029409445822239,"channel":0,"num_words":1,"start":47.765,"end":48.265},{"sentences":[{"text":"of time.","start":47.935,"end":48.175,"sentiment":"neutral","sentiment_score":-0.006775989197194576},{"text":"I put 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sort","start":674.82,"end":675.7,"sentiment":"neutral","sentiment_score":0.11030614748597145}],"sentiment":"neutral","sentiment_score":0.11030614748597145,"channel":0,"num_words":4,"start":674.82,"end":675.7},{"sentences":[{"text":"now.","start":675.45,"end":675.77,"sentiment":"neutral","sentiment_score":0.13233283162117004}],"sentiment":"neutral","sentiment_score":0.13233283162117004,"channel":1,"num_words":1,"start":675.45,"end":675.77},{"sentences":[{"text":"of","start":675.7,"end":675.94,"sentiment":"neutral","sentiment_score":0.07653680443763733}],"sentiment":"neutral","sentiment_score":0.07653680443763733,"channel":0,"num_words":1,"start":675.7,"end":675.94},{"sentences":[{"text":"Yep.","start":675.77,"end":676.01,"sentiment":"neutral","sentiment_score":0.15267135202884674},{"text":"Let's","start":676.01,"end":676.25,"sentiment":"neutral","sentiment_score":0.17586348950862885}],"sentiment":"neutral","sentiment_score":0.1642674207687378,"channel":1,"num_words":2,"start":675.77,"end":676.25},{"sentences":[{"text":"yeah.","start":676.10004,"end":676.42004,"sentiment":"neutral","sentiment_score":0.24752704799175265}],"sentiment":"neutral","sentiment_score":0.24752704799175265,"channel":0,"num_words":1,"start":676.10004,"end":676.42004},{"sentences":[{"text":"do it.","start":676.25,"end":676.73004,"sentiment":"neutral","sentiment_score":0.21694165468215942}],"sentiment":"neutral","sentiment_score":0.21694165468215942,"channel":1,"num_words":2,"start":676.25,"end":676.73004},{"sentences":[{"text":"And then","start":676.42004,"end":676.82,"sentiment":"neutral","sentiment_score":0.20434777438640594}],"sentiment":"neutral","sentiment_score":0.20434777438640594,"channel":0,"num_words":2,"start":676.42004,"end":676.82},{"sentences":[{"text":"Yep.","start":676.73004,"end":677.23004,"sentiment":"neutral","sentiment_score":0.20510177314281464}],"sentiment":"neutral","sentiment_score":0.20510177314281464,"channel":1,"num_words":1,"start":676.73004,"end":677.23004},{"sentences":[{"text":"that way, yeah, in a few months, it should sort of be ready to have another conversation where things are at and then show you what, like, it might look like to to update that.","start":676.82,"end":684.84,"sentiment":"neutral","sentiment_score":0.2827181062528065},{"text":"And you'd sorta I can book in another time just so we've got it in","start":685.78,"end":689.625,"sentiment":"neutral","sentiment_score":0.26615933477878573}],"sentiment":"neutral","sentiment_score":0.2777504748106003,"channel":0,"num_words":50,"start":676.82,"end":689.625},{"sentences":[{"text":"Yep.","start":689.605,"end":690.105,"sentiment":"neutral","sentiment_score":0.1593843698501587}],"sentiment":"neutral","sentiment_score":0.1593843698501587,"channel":1,"num_words":1,"start":689.605,"end":690.105},{"sentences":[{"text":"there as 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it.","start":691.145,"end":697.405,"sentiment":"neutral","sentiment_score":0.0658361624707194}],"sentiment":"neutral","sentiment_score":0.0658361624707194,"channel":0,"num_words":17,"start":691.145,"end":697.405},{"sentences":[{"text":"Yep.","start":697.685,"end":698.165,"sentiment":"neutral","sentiment_score":0.1710750162601471},{"text":"And so that you're talking about, like, people being able to access and move things around.","start":698.165,"end":702.61,"sentiment":"neutral","sentiment_score":0.200072533916682}],"sentiment":"neutral","sentiment_score":0.19836679758394465,"channel":1,"num_words":17,"start":697.685,"end":702.61},{"sentences":[{"text":"In terms of, like, the investment committee changing the investments?","start":704.83997,"end":707.5,"sentiment":"neutral","sentiment_score":0.047694755159318446}],"sentiment":"neutral","sentiment_score":0.047694755159318446,"channel":0,"num_words":10,"start":704.83997,"end":707.5},{"sentences":[{"text":"Yeah.","start":707.47,"end":707.87,"sentiment":"neutral","sentiment_score":0.08344271779060364},{"text":"Like, how how secure is that?","start":707.87,"end":710.11,"sentiment":"neutral","sentiment_score":0.10439448679486911},{"text":"You know, like","start":710.11,"end":710.925,"sentiment":"neutral","sentiment_score":0.013745652511715889}],"sentiment":"neutral","sentiment_score":0.0751046596094966,"channel":1,"num_words":10,"start":707.47,"end":710.925},{"sentences":[{"text":"So that's it comes down to the Oakview Financial partner with BlackRock.","start":711.95996,"end":716.665,"sentiment":"neutral","sentiment_score":0.03685711262126764},{"text":"I'm not too sure if you heard of that institution before, 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there.","start":809.19,"end":811.29004,"sentiment":"neutral","sentiment_score":0.302929667962922}],"sentiment":"neutral","sentiment_score":0.29132751849564636,"channel":1,"num_words":11,"start":808.155,"end":811.29004},{"sentences":[{"text":"Yep.","start":811.815,"end":812.315,"sentiment":"neutral","sentiment_score":0.2218599021434784}],"sentiment":"neutral","sentiment_score":0.2218599021434784,"channel":0,"num_words":1,"start":811.815,"end":812.315},{"sentences":[{"text":"Or you can we do that?","start":811.91003,"end":813.03,"sentiment":"neutral","sentiment_score":0.17914379139741263},{"text":"Is that something we can do now?","start":813.03,"end":814.63,"sentiment":"neutral","sentiment_score":0.12029220163822174},{"text":"Or","start":814.63,"end":815.13,"sentiment":"neutral","sentiment_score":0.09841541200876236}],"sentiment":"neutral","sentiment_score":0.14395168370434216,"channel":1,"num_words":14,"start":811.91003,"end":815.13},{"sentences":[{"text":"Yeah.","start":815.43,"end":815.75,"sentiment":"neutral","sentiment_score":0.147682785987854},{"text":"I'll I'll get that started now, and then I'll book in that time for, say, May.","start":815.75,"end":819.83,"sentiment":"neutral","sentiment_score":0.22424147557467222},{"text":"I'll even try and get all the document and everything done to, like, not to put it at the top of the pile, but not to put it so low that it's not done by then either.","start":819.83,"end":827.21,"sentiment":"neutral","sentiment_score":0.13024980504367803},{"text":"And then sort of the May, I'll check it in my calendar to reach out a sort of similar time around 1PM your time.","start":827.99,"end":834.355,"sentiment":"neutral","sentiment_score":0.12596065768351158}],"sentiment":"neutral","sentiment_score":0.14843390982311505,"channel":0,"num_words":78,"start":815.43,"end":834.355},{"sentences":[{"text":"Yep.","start":834.625,"end":835.125,"sentiment":"neutral","sentiment_score":0.13715898990631104}],"sentiment":"neutral","sentiment_score":0.13715898990631104,"channel":1,"num_words":1,"start":834.625,"end":835.125},{"sentences":[{"text":"And then if you don't pick up, obviously, we'll just try and get in touch at another time.","start":836.175,"end":839.635,"sentiment":"neutral","sentiment_score":0.09308761109908421},{"text":"But I'll chuck that in, and then we'll get that started on the investment update.","start":840.255,"end":845.04,"sentiment":"neutral","sentiment_score":0.16653314083814622},{"text":"And I'll just quickly also run through your back find here in your risk profile just to see if there's anything else that needs adjusting there as","start":845.04,"end":853.44,"sentiment":"neutral","sentiment_score":0.11596250547854989}],"sentiment":"neutral","sentiment_score":0.12174269600460927,"channel":0,"num_words":60,"start":836.175,"end":853.44},{"sentences":[{"text":"Yep.","start":853.245,"end":853.745,"sentiment":"neutral","sentiment_score":0.10749292373657228}],"sentiment":"neutral","sentiment_score":0.10749292373657228,"channel":1,"num_words":1,"start":853.245,"end":853.745},{"sentences":[{"text":"well.","start":853.44,"end":853.94,"sentiment":"neutral","sentiment_score":0.2250017076730728},{"text":"Perfect.","start":854.765,"end":855.265,"sentiment":"positive","sentiment_score":0.5916683077812195},{"text":"So I'll just update those details there quickly, so bear with me there.","start":855.48505,"end":859.825,"sentiment":"positive","sentiment_score":0.3793243788755857},{"text":"That's just taking a second to load back up.","start":861.085,"end":863.34503,"sentiment":"neutral","sentiment_score":0.14239412380589378},{"text":"Now in regards to your email, is that still lisa.3@bigpond.com,2d's?","start":864.525,"end":871.19,"sentiment":"neutral","sentiment_score":0.018990757036954166}],"sentiment":"neutral","sentiment_score":0.21233357721939683,"channel":0,"num_words":34,"start":853.44,"end":871.19},{"sentences":[{"text":"No.","start":871.03,"end":871.19,"sentiment":"neutral","sentiment_score":-0.07937303930521011},{"text":"It's not.","start":871.19,"end":871.99,"sentiment":"neutral","sentiment_score":-0.07293165847659111},{"text":"No.","start":871.99,"end":872.49,"sentiment":"neutral","sentiment_score":-0.09729796648025511}],"sentiment":"neutral","sentiment_score":-0.08063358068466187,"channel":1,"num_words":4,"start":871.03,"end":872.49},{"sentences":[{"text":"That's changed as 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lisa.wild355@gmail.com?","start":877.89,"end":882.165,"sentiment":"neutral","sentiment_score":0.0071591947759900776}],"sentiment":"neutral","sentiment_score":0.006407789420336485,"channel":0,"num_words":8,"start":877.57,"end":882.165},{"sentences":[{"text":"Yep.","start":881.565,"end":881.96497,"sentiment":"neutral","sentiment_score":0.0339791402220726},{"text":"Yeah.","start":881.96497,"end":882.285,"sentiment":"neutral","sentiment_score":0.05524934083223343},{"text":"That's correct.","start":882.285,"end":882.925,"sentiment":"neutral","sentiment_score":0.09503927826881409},{"text":"Yep.","start":882.925,"end":883.425,"sentiment":"neutral","sentiment_score":0.08051510155200958}],"sentiment":"neutral","sentiment_score":0.07196442782878876,"channel":1,"num_words":5,"start":881.565,"end":883.425},{"sentences":[{"text":"Okay.","start":883.52496,"end":884.005,"sentiment":"neutral","sentiment_score":0.08177176862955093},{"text":"I mean, it was just the old one in that.","start":884.005,"end":886.82495,"sentiment":"neutral","sentiment_score":0.030185477621853352},{"text":"So they have done, like, a few business changes and updates and things as well.","start":887.845,"end":891.52496,"sentiment":"neutral","sentiment_score":0.08359386002024015},{"text":"So a few things when consolidating to the newer workbooks has been mixed around a little bit, but that's more than fine.","start":891.52496,"end":900.22003,"sentiment":"neutral","sentiment_score":0.1123413374139504},{"text":"And I've got John here as your next of kin contact.","start":900.22003,"end":902.62,"sentiment":"neutral","sentiment_score":0.16952438246120105}],"sentiment":"neutral","sentiment_score":0.10125105212426792,"channel":0,"num_words":59,"start":883.52496,"end":902.62},{"sentences":[{"text":"Is 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correct.","start":903.33997,"end":904.06,"sentiment":"neutral","sentiment_score":0.1614585667848587},{"text":"Yep.","start":904.06,"end":904.425,"sentiment":"neutral","sentiment_score":0.1935097873210907}],"sentiment":"neutral","sentiment_score":0.1721423069636027,"channel":1,"num_words":3,"start":903.33997,"end":904.425},{"sentences":[{"text":"Perfect.","start":904.7,"end":905.18,"sentiment":"positive","sentiment_score":0.3583441376686096},{"text":"I don't actually have any details, though, in the event that we couldn't reach you, though.","start":905.18,"end":907.98004,"sentiment":"neutral","sentiment_score":-0.08245376963168383},{"text":"Did you wanna track down a phone number and email?","start":907.98004,"end":910.08,"sentiment":"neutral","sentiment_score":-0.008892900869250297}],"sentiment":"neutral","sentiment_score":-0.038883155004845724,"channel":0,"num_words":27,"start":904.7,"end":910.08},{"sentences":[{"text":"For 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than not.","start":1321.59,"end":1322.57,"sentiment":"neutral","sentiment_score":-0.15416756769021353}],"sentiment":"neutral","sentiment_score":-0.15416756769021353,"channel":0,"num_words":3,"start":1321.59,"end":1322.57},{"sentences":[{"text":"Yep.","start":1322.76,"end":1323.26,"sentiment":"neutral","sentiment_score":-0.04046229645609856}],"sentiment":"neutral","sentiment_score":-0.04046229645609856,"channel":1,"num_words":1,"start":1322.76,"end":1323.26},{"sentences":[{"text":"And these questions are a little bit random there, but are you a tax resident for any other forest foreign 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defensive.","start":1550.515,"end":1553.255,"sentiment":"neutral","sentiment_score":0.22086579352617264},{"text":"Now in regards to that, we can obviously look at doing an update that's still in line with the growth portfolio, as I said, for","start":1554.33,"end":1561.93,"sentiment":"neutral","sentiment_score":0.20122649997472764}],"sentiment":"neutral","sentiment_score":0.2678767870057304,"channel":0,"num_words":54,"start":1544.595,"end":1561.93},{"sentences":[{"text":"Yep.","start":1561.755,"end":1562.255,"sentiment":"neutral","sentiment_score":0.20497825741767883}],"sentiment":"neutral","sentiment_score":0.20497825741767883,"channel":1,"num_words":1,"start":1561.755,"end":1562.255},{"sentences":[{"text":"when we're sort of touching base in a a month and a bit of their 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if","start":1594.005,"end":1594.485,"sentiment":"neutral","sentiment_score":0.06773358583450317}],"sentiment":"neutral","sentiment_score":0.06769935039042586,"channel":0,"num_words":71,"start":1578.8601,"end":1594.485},{"sentences":[{"text":"Yes.","start":1594.395,"end":1594.895,"sentiment":"neutral","sentiment_score":0.15011391043663025}],"sentiment":"neutral","sentiment_score":0.15011391043663025,"channel":1,"num_words":1,"start":1594.395,"end":1594.895},{"sentences":[{"text":"you were to sort of be happy with everything and then sort of look to to change it and accept that recommendation, then the change is, like, from you signing the document to do an investment switch.","start":1594.485,"end":1604.245,"sentiment":"neutral","sentiment_score":0.3053449448701498},{"text":"It, like, can be actioned that day or, like, the next day, and 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you don't do it now?","start":1608.0801,"end":1609.4401,"sentiment":"neutral","sentiment_score":-0.1858720282713572},{"text":"Okay.","start":1609.4401,"end":1609.68,"sentiment":"neutral","sentiment_score":-0.1469874531030655},{"text":"We have to wait.","start":1609.68,"end":1610.66,"sentiment":"neutral","sentiment_score":-0.18855074048042297},{"text":"It's gonna take another three months.","start":1610.8,"end":1612.66,"sentiment":"neutral","sentiment_score":-0.19315206507841745}],"sentiment":"neutral","sentiment_score":-0.1867844103013768,"channel":1,"num_words":17,"start":1608.0801,"end":1612.66},{"sentences":[{"text":"Well, just because you wanted to leave it alone there, I can sort of book you in closer, say, a week and a bit from now if 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as","start":1790.975,"end":1791.775,"sentiment":"neutral","sentiment_score":0.03212047989169756}],"sentiment":"positive","sentiment_score":0.40224153004013574,"channel":0,"num_words":65,"start":1776.4,"end":1791.775},{"sentences":[{"text":"Yep.","start":1791.5349,"end":1792.0349,"sentiment":"neutral","sentiment_score":0.00845285039395094}],"sentiment":"neutral","sentiment_score":0.00845285039395094,"channel":1,"num_words":1,"start":1791.5349,"end":1792.0349},{"sentences":[{"text":"things we do need to update there, your ID is currently expired.","start":1791.775,"end":1794.8151,"sentiment":"neutral","sentiment_score":-0.09274078843494256},{"text":"So I can just send you an email if you can provide just an updated, like, driver's license front and back.","start":1794.8151,"end":1798.895,"sentiment":"neutral","sentiment_score":0.017054778124604906},{"text":"We'll get that certified on file just to be able to provide you updated advice, if that makes 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for Victoria what's actually on there from from memory.","start":1844.205,"end":1848.385,"sentiment":"neutral","sentiment_score":-0.023757707327604294},{"text":"I'll just have a quick look to see.","start":1850.125,"end":1853.345,"sentiment":"neutral","sentiment_score":0.041243217419832945},{"text":"There's some there's obviously the states are a little bit different.","start":1853.965,"end":1856.705,"sentiment":"neutral","sentiment_score":-0.04424954950809479},{"text":"Bear with me two seconds.","start":1857.085,"end":1858.385,"sentiment":"neutral","sentiment_score":-0.025181905180215836},{"text":"Because I believe there's two different numbers we'll need from the the card to ensure that Yeah.","start":1860.81,"end":1890.68,"sentiment":"neutral","sentiment_score":-0.016305801896926236}],"sentiment":"neutral","sentiment_score":-0.016227552108466624,"channel":0,"num_words":55,"start":1844.205,"end":1890.68},{"sentences":[{"text":"So there will just be a license number there, and then 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The speaker discusses the benefits of updating investments and risk portfolios, but Lisa expresses a desire for a statement of advice. They also discuss the volatility in the market and the importance of being mindful of risk, as well as updating risk profiles and inflation while discussing investment strategies and updating investment decisions. The agent informs Lisa that the process will take a few weeks but can be booked in a time for the customer to sign annual review documents and remind her of her license front and back."},"intents":{"segments":[{"text":"I'll just get all this updated there. And the postcode's 3040. Is that correct?","start_word":285,"end_word":298,"intents":[{"intent":"Update information","confidence_score":0.20592244}]},{"text":"We can have a bit of discussion around your portfolio performance there as well because I know that that was a concern, and we did wanna obviously address it towards the end of last year or sort of middle to end of last year.","start_word":331,"end_word":374,"intents":[{"intent":"Update portfolio performance","confidence_score":0.3510692}]},{"text":"Because, obviously, Hub 24 is a platform and the usability of the platform obviously, the platform has its own platform costs and and fees associated with holding that, but that's sort of similar to any sort of retail platform, whereas the underlying investments what's get the the returns and the growth out of your superannuation, which is what we were looking to update, which we have to have the conversation for.","start_word":716,"end_word":786,"intents":[{"intent":"Inform platform costs and fees","confidence_score":0.000012680761}]},{"text":"Like, just in terms of, like, Hub 24 itself isn't what gets you the returns. It's the underlying investments, which is what we were Which sort of looking to yeah.","start_word":851,"end_word":880,"intents":[{"intent":"Share underlying investments","confidence_score":0.002082864}]},{"text":"That's like, we have to provide a statement of advice. There are accounts or, like, separate managed accounts with Oakview does have one now, where they can change the underlying investments without having to consult with you first.","start_word":907,"end_word":944,"intents":[{"intent":"Provide statement of advice","confidence_score":0.43084666}]},{"text":"Because at the moment, you hold, like, direct, like, ETF or exchange traded funds, which we have to notify you anytime we make a a product change and provide a statement of advice to illustrate that. Whereas Yep.","start_word":946,"end_word":983,"intents":[{"intent":"Recommend holding","confidence_score":0.0070864176}]},{"text":"with the separately managed accounts or the SMA, we just basically recommend that account and then the underlying investments within that, the investment committee alongside BlackRock, another sort of investment partner that they're doing it in conjunction with, can change the underlying investments where they regularly update that and they review it every sort of quarter to see if anything needs to change.","start_word":984,"end_word":1046,"intents":[{"intent":"Recommend investments and advisors","confidence_score":0.00016906118},{"intent":"Review project","confidence_score":0.0000038659014}]},{"text":"So so with that one, if you wanna sort of be a little bit more hands off and not have to deal with any sort of, like, changes and just have the investigating committee do updates as they sort of see fit, and you not have to be, like, contacted for that to sort of be a little bit more dynamic with what happens in the market to being able to make those changes. Yep.","start_word":1374,"end_word":1448,"intents":[{"intent":"Implement changes on super funds","confidence_score":2.3181572e-8}]},{"text":"Now it would take, you know, a few weeks to sort of sell down the assets you currently have within Hub twenty four and then going into an industry fund.","start_word":1785,"end_word":1814,"intents":[{"intent":"Sell assets","confidence_score":0.006071017}]},{"text":"And who's your super with? My super. Yeah.","start_word":1954,"end_word":1961,"intents":[{"intent":"Manage portfolio","confidence_score":0.00818841},{"intent":"Confirm super funds","confidence_score":0.004988748}]},{"text":"that way, yeah, in a few months, it should sort of be ready to have another conversation where things are at and then show you what, like, it might look like to to update that.","start_word":2100,"end_word":2134,"intents":[{"intent":"Update website","confidence_score":0.0012151232}]},{"text":"And you'd sorta I can book in another time just so we've got it in Yep. there as well. So Yep.","start_word":2135,"end_word":2155,"intents":[{"intent":"Book next meeting","confidence_score":0.03214882}]},{"text":"they look to update it. Not to say that they're just gonna go in and change a bunch of things around. It just means that if they do sort of see sort of outcomes or different emerging markets that they do wanna sort of move towards and things like that, they regularly update the portfolio.","start_word":2321,"end_word":2375,"intents":[{"intent":"Update portfolios","confidence_score":0.12414452}]},{"text":"Because anytime we change a product or you're, like, investment option, we have Yep. to provide a statement of advice illustrating that and the sort of advantages, disadvantages so you can make that informed decision.","start_word":2443,"end_word":2477,"intents":[{"intent":"Make decisions","confidence_score":0.0565445}]},{"text":"Whereas when you buy into, like, an an SMA or strategic manager account or separately managed account, you're buying into the product that is account that is managed, and then they're able to make those changes under that so you're aware of, like, the risk of the the bat, Yep.","start_word":2478,"end_word":2527,"intents":[{"intent":"Understand risks","confidence_score":0.00966895}]},{"text":"So a few things when consolidating to the newer workbooks has been mixed around a little bit, but that's more than fine.","start_word":2800,"end_word":2821,"intents":[{"intent":"Fix technical issues","confidence_score":0.00065686455}]},{"text":"And I think I was only available on on Fridays, which generally I am. Yep. But yeah.","start_word":2948,"end_word":2964,"intents":[{"intent":"Evaluate availability and work schedule","confidence_score":0.00019941476}]},{"text":"And as far as your work schedule, are you still permanent part time? Yep. Yep.","start_word":2992,"end_word":3006,"intents":[{"intent":"Determine work schedule","confidence_score":0.0062394394}]},{"text":"then in regards to your income, do you know It's what your annual income is around at the moment? paying it part time. So I think I think it's around about forty six or something like that. Yep.","start_word":3074,"end_word":3111,"intents":[{"intent":"Determine income and expenses","confidence_score":0.08289616}]},{"text":"I'll do a little bit of math later and see how that sort of lines up. So that it doesn't make a huge impact if we're not doing any sort of cash flow on budgeting or contribution strategies or things like that.","start_word":3165,"end_word":3206,"intents":[{"intent":"Evaluate impact of budgeting","confidence_score":0.10281073}]},{"text":"So would you consider yourself a little bit more of a moderate risk taker still or higher risk taker? Definitely moderate. Yep.","start_word":4470,"end_word":4491,"intents":[{"intent":"Evaluate money investment","confidence_score":0.02204912}]},{"text":"you were to sort of be happy with everything and then sort of look to to change it and accept that recommendation, then the change is, like, from you signing the document to do an investment switch. It, like, can be actioned that day or, like, the next day, and then Alright.","start_word":4842,"end_word":4893,"intents":[{"intent":"Change investment plan","confidence_score":0.03871044}]},{"text":"Now in regards to your annual review documents, because obviously, I don't have any of them prepared for you, so I can get them to send an annual review pack out with, like, obviously, the the twelve month performance and a few other documents there as well, which will also include that ongoing service agreement.","start_word":5097,"end_word":5151,"intents":[{"intent":"Review documents","confidence_score":0.051893182}]},{"text":"then you can just opt out of the service still. You don't, like, lock into a twelve month contract, if that makes sense. Yep.","start_word":5250,"end_word":5273,"intents":[{"intent":"Opt out of service","confidence_score":0.7784147}]},{"text":"As far as the performance for the last twelve month period, it is seeing only point 4%. That's largely due to what occurred with Benelong and what's happened the past few months with the war in Iran.","start_word":5303,"end_word":5339,"intents":[{"intent":"Monitor performance","confidence_score":0.023019366}]},{"text":"things we do need to update there, your ID is currently expired. So I can just send you an email if you can provide just an updated, like, driver's license front and back. We'll get that certified on file just to be able to provide you updated advice, if that makes sense. Yep.","start_word":5555,"end_word":5607,"intents":[{"intent":"Update driver's license","confidence_score":0.31489983},{"intent":"Provide updated advice","confidence_score":0.1490308},{"intent":"Update license information","confidence_score":0.0007995159}]},{"text":"I suppose If you, I can just screenshot that. yeah, if you screenshot that, just make sure you've got the card number with that and then the the reference number for your license as well. Yep.","start_word":5716,"end_word":5751,"intents":[{"intent":"Screenshot license number","confidence_score":0.023370542}]}]},"sentiments":{"segments":[{"text":"Hello. This is Lisa.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.12407676875591278},{"text":"Good afternoon, Lisa. It's Carl calling from AC Financial. How are you today? Good. How are you?","start_word":4,"end_word":20,"sentiment":"positive","sentiment_score":0.4237060546875},{"text":"Yeah.","start_word":21,"end_word":21,"sentiment":"neutral","sentiment_score":0.2862488627433777},{"text":"Not too bad at all. Thank you for asking. I had you scheduled in for a bit of a catch up conversation.","start_word":22,"end_word":43,"sentiment":"positive","sentiment_score":0.4440959692001343},{"text":"Yeah. I just wanted to touch base just regarding my super. I think last time I emailed you just, what, before Christmas? Yeah. Because I believe it's been quite a while now. I believe even your ongoing service screen turned off because, like, towards the middle to end of last year, we tried to contact you for your annual review. And then I believe then, yeah, end of last year, just before the Christmas break, you Yep. emailed in asking Yep. to have a conversation. And then, yeah, that which leads us to sort of now. Now did you have time to go through Yeah. your I've any I've review got a bit today? of time. I put yeah. Definitely. Yep. Okay.","start_word":44,"end_word":165,"sentiment":"neutral","sentiment_score":-0.004869796801358461},{"text":"Perfect.","start_word":166,"end_word":166,"sentiment":"positive","sentiment_score":0.5058400630950928},{"text":"Just to get started on that there, Lisa, if I could just pass through security with that name, date of birth, and current address, we can get started on on that. Yep. So it's Lisa Wilde. Yep. Date of birth, 1971. And I have changed the dress to I don't know if you've got that. Probably not given the time that has a lapse. I had the 355 address. Yeah. No. It's I've I've moved. Yep. And that new address would be Yeah. Number 5 yep. Arthur Street in Aberfeldy. Perfect. And I know you owned your own house there. So have you sold and moved in that time Yes. as We well? have. Yep. Bear with me. I'll just get all this updated there. And the postcode's 3040. Is that correct? Yep. That's correct.","start_word":167,"end_word":301,"sentiment":"neutral","sentiment_score":0.06808090955018997},{"text":"Perfect.","start_word":302,"end_word":302,"sentiment":"positive","sentiment_score":0.4877637922763825},{"text":"So with that one there, I will go through, and I'll update a few of your other details there as well. I'll run through the fact fine. We can have a bit of discussion around your portfolio performance there as well because I know that that was a concern, and we did wanna obviously address it towards the end of last year or sort of middle to end of last year. We're just unable to get ahold of you. So we're definitely, yeah, looking to do an update in regards to that as well, Yep. not only for what's occurring sort of in market times recently, but then also the the Benelung investment towards the end of last year.","start_word":303,"end_word":421,"sentiment":"neutral","sentiment_score":-0.01199272187317119},{"text":"One of their underlying assets, corporate traveler, was done for not reporting correctly, which caused a significant drop in them as well. There are a couple other underperformance for the past twelve months, but that's mainly just due to the market events with what's happening in the global environment at the moment.","start_word":422,"end_word":473,"sentiment":"negative","sentiment_score":-0.38309115171432495},{"text":"The the hack cybersecurity side of things and the AI side of things has taken a bit of a dip, But the the team and the investment committee still has come to, like, confidence and conviction in those long term. So that's fine. They might be showing a bit of a loss now, but if anything, your contributions going in would be able to push them at a lower cost. But depending along, we're definitely looking to update and sort of remove to an alternative option, Yep. So if what that does makes that sense. happen straight away? Or, like, I was actually thinking I wanted to change funds. Like, in Hub 24 itself or, like, just, you know, Yeah. an underlying In Hub in 20 there? four. Yep. Is Because that Hub. possible? Yeah. Well, Hub 24 is the platform that Yep. you use. The underlying investments can be changed on Hub 24. Are you just unhappy with Hub twenty four itself? Well, I mean, it just doesn't feel like to me like, I know we haven't touched base in, what, twelve months or something, but it just doesn't seem to be going anywhere. Yeah. Yeah. A lot of that can be due just to the the investment portfolio, which is what we did when I update when we're sort of contacting you back you know, six months ago for your annual review and Yeah. updating your investments within that. Because, obviously, Hub 24 is a platform and the usability of the platform obviously, the platform has its own platform costs and and fees associated with holding that, but that's sort of similar to any sort of retail platform, whereas the underlying investments what's get the the returns and the growth out of your superannuation, which is what we were looking to update, which we have to have the conversation for. I can't just go in and change your investments or underlying investments in the background there, Lisa? I have to have a, you know, do an interview, have the conversation, see what your risk tolerance is at, and then look at updating the underlying investments, if that makes sense. Yep. Alright. So it's not that straightforward. Is that what you're saying, pretty much?","start_word":474,"end_word":848,"sentiment":"neutral","sentiment_score":-0.036049081047376},{"text":"No. No.","start_word":849,"end_word":850,"sentiment":"negative","sentiment_score":-0.3772159814834595},{"text":"Like, just in terms of, like, Hub 24 itself isn't what gets you the returns. It's the underlying investments, which is what we were Which sort of looking to yeah. Is that and that's handled by you? sorry? Yeah. So, like, a part of that is, like, we can't just change it without speaking to you. That's like, we have to provide a statement of advice. There are accounts or, like, separate managed accounts with Oakview does have one now, where they can change the underlying investments without having to consult with you first. Yep. Because at the moment, you hold, like, direct, like, ETF or exchange traded funds, which we have to notify you anytime we make a a product change and provide a statement of advice to illustrate that. Whereas Yep. with the separately managed accounts or the SMA, we just basically recommend that account and then the underlying investments within that, the investment committee alongside BlackRock, another sort of investment partner that they're doing it in conjunction with, can change the underlying investments where they regularly update that and they review it every sort of quarter to see if anything needs to change. And they can be a Yes. little bit more dynamic in changing things as opposed to, like, if we can't get a hold of you, if they were looking to remove Benelung at that stage, you know, they would have been able to make that change without able to get in contact with you and that sort of back and forth as well, if that makes sense. Yep. Where what was sorry? Yeah. No. Keep going. Sorry. Yeah.","start_word":851,"end_word":1124,"sentiment":"neutral","sentiment_score":0.03653858955541667},{"text":"Whereas, like, I'm still happy, like, following this conversation once we update all your details, goals, and and risk portfolio, we can look at just doing an update of your investments, still maintaining your own portfolio.","start_word":1125,"end_word":1160,"sentiment":"positive","sentiment_score":0.3404035270214081},{"text":"You have a little bit more control over what goes into it and sort of the changes that can occur versus like an an SMA as well. Alright.","start_word":1161,"end_word":1188,"sentiment":"neutral","sentiment_score":0.20078592002391815},{"text":"I just really I just don't know what to do. Like, I'm definitely not happy where we're at and okay.","start_word":1189,"end_word":1208,"sentiment":"negative","sentiment_score":-0.5460910201072693},{"text":"So Yep.","start_word":1209,"end_word":1210,"sentiment":"neutral","sentiment_score":-0.13713029026985168},{"text":"some of it's probably partly my fault because I was pretty much uncontactable for last year.","start_word":1211,"end_word":1226,"sentiment":"negative","sentiment_score":-0.3337936997413635},{"text":"Yep. But still, I would have thought that I didn't realize that I was the only one that could change it. I thought that was somebody monitoring it all at all times. So the investment can be monitored the portfolios, but as far as, like, making changes, you have to be notified of, like, changes to your underlying investments unless you were in one of those, like, separately managed accounts where they can change the underlying investments, if that makes sense. Yeah. Right. Yep. I don't know I don't know what to do. I don't know whether it just should change to, like, an Australian super fund or something like that or just stick with it for a couple of months. Like, I'm just in two minds at the moment, but I think we need to be active right now and make a few changes. Yep. So so with that one, if you wanna sort of be a little bit more hands off and not have to deal with any sort of, like, changes and just have the investigating committee do updates as they sort of see fit, and you not have to be, like, contacted for that to sort of be a little bit more dynamic with what happens in the market to being able to make those changes.","start_word":1227,"end_word":1446,"sentiment":"neutral","sentiment_score":0.04331740628589283},{"text":"Yep. I can show you what that SMA looks like in terms of, like, the cost, its current returns, and then the benefits of that one, and any sort of cost of the CGT and things like that as well, and then illustrate what that sort of shows.","start_word":1447,"end_word":1494,"sentiment":"positive","sentiment_score":0.37646371126174927},{"text":"Because at the moment, you do have quite a high allocation to that Ben Long Fund that didn't perform too well, like, come November there due to the underlying investment issue, which is high a high allocation to that active portion of your portfolio, Yep. which did significantly impact the performance for the last twelve months there as well, Yep. if that makes Okay. sense. So where do we go from here? Like, Yep. if So something needs to be changed, like, ASAP until I can work out what I'm gonna do next. yep. Well, if you sort of just wanna have a look at what that update looks like with an account that you don't have to be as sort of involved in with any sort of updates that do occur, I'll show you what that looks like in a statement of advice piece. It may take a few weeks to put together, and then we'll just confirm your your details here in regards to the the fact finding your goals and do the risk profile. And then from there, we'll get started on that document And if for I just you. wanna move it into, like, an Australian Superfund or something like that, can can you do you do that or is that something I have to facilitate on my own? So in terms of that, you wouldn't be a client at, like, Oakview Financial anyway. You'd just be sort of managing your own superannuation. Now Yep. with that, in terms of doing it, all you'd have to do is basically set up the Australian super account, pick Yep. the investment choice that you want, and then from there, you can request your funds from Hub twenty four. Now it would take, you know, a few weeks to sort of sell down the assets you currently have within Hub twenty four and then going into an industry fund. There will be, like, CGT associated with that as well. And the the cost of that one, which we sorta can get the the figure for you as well. In addition to that one at the moment with everything that is going on, there is quite a bit of volatility in the market. So you just gotta be mindful of the risk that if the market sort of change while you're selling down to cash, you may lose out on some potential gains, or you might sort of also, you know, incur a few losses if the market was to jump up while you sold to cash while you were transferring over to Australian Super within that sort of two to three week period with going to cash and getting reinvested within Australian Super, if that makes sense. Yep. And who's your super with? My super. Yeah. Yes. I also have a a retail platform similar to Hub twenty four. Yeah. And can you have two super funds? Yep.","start_word":1495,"end_word":1983,"sentiment":"neutral","sentiment_score":-0.010540018837083824},{"text":"You can definitely have two super funds.","start_word":1984,"end_word":1990,"sentiment":"positive","sentiment_score":0.3442418873310089},{"text":"It's not normally recommended if you don't have to because of the each platform has its own sort of administration Please. fees and Yep. membership fees that you do have to pay. Yep. But, yeah, you can have more than one fund if you wanted to. Yeah. Yep. Alright. I just don't know what to do. I think maybe if I just leave it for a couple of months as it is, and then you have a look at re have a look at everything. Yeah. Well, I can just start the the process Process now of them sort now. of Yep. Let's yeah. do it. And then Yep. that way, yeah, in a few months, it should sort of be ready to have another conversation where things are at and then show you what, like, it might look like to to update that. And you'd sorta I can book in another time just so we've got it in Yep. there as well. So Yep. you'd be sorta looking around maybe start of start of May to have another conversation around it. Yep. And so that you're talking about, like, people being able to access and move things around. In terms of, like, the investment committee changing the investments? Yeah. Like, how how secure is that? You know, like So that's it comes down to the Oakview Financial partner with BlackRock. I'm not too sure if you heard of that institution before, but Not they're really. quite a large investment institution, and they also have their own softwares that help sort of build portfolios and look to to future sort of outcomes. Now with that, it's not to say that, like, someone's just going in and having a play around with that. It is an investment committee meetings that do a core like, you know, monthly is a general meeting, and then quarterly, they review the portfolios and anything that needs changing within those separately managed accounts. And then Yes. they look to update it. Not to say that they're just gonna go in and change a bunch of things around. It just means that if they do sort of see sort of outcomes or different emerging markets that they do wanna sort of move towards and things like that, they regularly update the portfolio. And because it is like a pooled fund that you'd be a part of and have units in, much like, you know, Australian super and things like that, they'd be able to make those changes without having to contact you, get in touch, have a conversation, look at doing an update, providing you a statement of advice document to do any sort of minor changes to products. Because anytime we change a product or you're, like, investment option, we have Yep. to provide a statement of advice illustrating that and the sort of advantages, disadvantages so you can make that informed decision. Whereas when you buy into, like, an an SMA or strategic manager account or separately managed account, you're buying into the product that is account that is managed, and then they're able to make those changes under that so you're aware of, like, the risk of the the bat, Yep. Okay. if if that makes sense. Yeah. It does. It's a lot, but yeah. Sort of does. Yeah. Alright. Okay. If you can just get the ball rolling there. Yep. Or you can we do that? Is that something we can do now? Or Yeah. I'll I'll get that started now, and then I'll book in that time for, say, May. I'll even try and get all the document and everything done to, like, not to put it at the top of the pile, but not to put it so low that it's not done by then either. And then sort of the May, I'll check it in my calendar to reach out a sort of similar time around 1PM your time. Yep. And then if you don't pick up, obviously, we'll just try and get in touch at another time. But I'll chuck that in, and then we'll get that started on the investment update. And I'll just quickly also run through your back find here in your risk profile just to see if there's anything else that needs adjusting there as Yep. well.","start_word":1991,"end_word":2712,"sentiment":"neutral","sentiment_score":0.12717121136774648},{"text":"Perfect. So I'll just update those details there quickly, so bear with me there.","start_word":2713,"end_word":2726,"sentiment":"positive","sentiment_score":0.4078647196292877},{"text":"That's just taking a second to load back up. Now in regards to your email, is that still lisa.3@bigpond.com,2d's? No. It's not. No. That's changed as well? Yeah. That changed a long time ago. Okay. Maybe you have is it the lisa.wild355@gmail.com? Yep. Yeah. That's correct. Yep. Okay. I mean, it was just the old one in that. So they have done, like, a few business changes and updates and things as well. So a few things when consolidating to the newer workbooks has been mixed around a little bit, but that's more than fine. And I've got John here as your next of kin contact. Is that still Yep. correct? That's correct. Yep.","start_word":2727,"end_word":2840,"sentiment":"neutral","sentiment_score":0.06429236382246017},{"text":"Perfect.","start_word":2841,"end_word":2841,"sentiment":"positive","sentiment_score":0.3583441376686096},{"text":"I don't actually have any details, though, in the event that we couldn't reach you, though. Did you wanna track down a phone number and email? For John? Yeah. Just in the event that we couldn't reach you, say, like, that you know, over that six month period where we couldn't really contact you, we just, like, sort of text or call John to see if there was a reason I'm we couldn't. contactable. Like, I just like, I've just got issues with my phone at work and stuff like that. I just don't Okay. have access to it generally.","start_word":2842,"end_word":2941,"sentiment":"neutral","sentiment_score":-0.1946095160767436},{"text":"That's that's what the problem was.","start_word":2942,"end_word":2947,"sentiment":"negative","sentiment_score":-0.34853702783584595},{"text":"And I think I was only available on on Fridays, which generally I am. Yep. But yeah. That's more than I fine. Yeah. yep. We can leave that blank. And as far as work, you're still in medical administrator? Yes. That's right. Yep. Yep. And as far as your work schedule, are you still permanent part time? Yep. Yep. And how many hours are you doing at the moment? Oh, I can sort of it varies, really. It is around it's probably around thirty hours. Let's sort of say between twenty eight and thirty. Yep. And how long have you been doing that? Sorry. I just don't have it here for my records in terms Yeah. of, like, That's industry in experience. And about ten years. then in regards to your income, do you know It's what your annual income is around at the moment? paying it part time. So I think I think it's around about forty six or something like that. Yep. And as far as, like, a a budget there too, Lisa, do you know sort of what your expenses and savings looks like per week? No. I'm not Yes. good at budgeting No. No. yet. That's So fine. I know for a full time, it's about 71 72,000, but Yep. I'm not yeah. I'll do a little bit of math later and see how that sort of lines up. So that it doesn't make a huge impact if we're not doing any sort of cash flow on budgeting or contribution strategies or things like that. Well, see, I wanted to sort of I do have another sort of part time role that I was thinking of putting some extra cash into. And I just I like, I work as a contractor. The hours vary per week.","start_word":2948,"end_word":3247,"sentiment":"neutral","sentiment_score":-0.03486940419922272},{"text":"So and I was gonna start contributing, but when the suicide doesn't look that great, I really am apprehensive about it.","start_word":3248,"end_word":3268,"sentiment":"negative","sentiment_score":-0.3949064314365387},{"text":"Yes. I can put that down as, like, a future goal, and then we can sorta, you know, see how you're going at, like, your next tenure review and see Yeah. how you And feel I have about been it. putting, like, an extra $25 a week in, the super, but it's still yeah.","start_word":3269,"end_word":3322,"sentiment":"neutral","sentiment_score":0.03428754210472107},{"text":"It's just getting eaten up.","start_word":3323,"end_word":3327,"sentiment":"negative","sentiment_score":-0.43410125374794006},{"text":"I'll track that down. And that's $25 extra a week. That's salary sacrifice at the moment? Yeah. That's right. Yep.","start_word":3328,"end_word":3347,"sentiment":"neutral","sentiment_score":-0.03833838552236557},{"text":"Perfect.","start_word":3348,"end_word":3348,"sentiment":"positive","sentiment_score":0.4158461689949035},{"text":"And then as far as any other contributions at the moment, are you making any other contributions? No. I'm just gonna Yeah. sit on it. Yep. No problem. And your part time contractor role, what's that in regards to? I work as a Pilates instructor. Yep. And how many hours a week do you sort of normally do that? It can kinda vary anywhere between sort of two and six. And is it just running classes? Yes. Perfect. And how much do you reckon you bring home for that? It varies from week to week. So sort of probably around $2.50 a week. Depends how many classes I do. And in regards to assets and liabilities, so with the house there and with the buying and the selling, do you Yep. know roughly the value of your new home? The value, we purchased it for about 2,000,000. Yep. And is there anything iron on that one? Yeah. There is. Yep. Do you know the mortgage value currently? I think it's about 600,000. Yep. And just confirming too, you used to have a couple investment properties. Have you sold those now? Yeah. We have. Yep. Yep. And I've got a car worth around 20,000 here. Is that still similar to the car you've got now? Yeah. Same car. Yep. Yep. And a boat worth 100,000? Nope. Sold sold it. Hold the boat. And as far as, like, a savings account or any like, an offset account, do you hold a savings or offset account at the moment? Yeah. We've got an offset. Yep. Yep. And if you don't mind me asking, how much you got sitting in that at the moment? About 400,000. Yep. And are there any other assets or liabilities? No. Yep. Not a problem. And apologies if you answered these previously as well. It says the new workbooks. We're just getting everything up to date. But you've never declared bankruptcy or a part on debt agreement prior? No. No. Yep. And as far as smoker status, you're nonsmoker? No. No smoker. Yep. And any significant health injuries or anything then that passed No. sort of Yep. Any medications currently? No. And do you hold private health insurance? Yes. Is that, like, hospitals and extras? Oh, hospital's next to it. Yep. Right. And as far as a will goes, have you managed around to getting a will sorted? No. Yeah. No. That's fine. I know. Obviously, they are an important sort of tool when it comes They to are very much it. yeah. We can send through some lawyer information if you'd like just on a general sorta lawyer here that's just got a little information booklet from some general pricing on wheels and estates, if you'd like to have a look through that. We've got a lawyer locally. We just not something we kind of thought about, but we need to get on to it definitely. Yeah. Yeah. Understandable. It's obviously one of those things you'd spit out of sight out of mind, but It things is. do I happen, know unfortunately. anything can happen And and yeah. it does. Yep. You do see it. And things get messy quickly when it comes to money and family, unfortunately. Yeah. It's It more does. often than not. Yep. And these questions are a little bit random there, but are you a tax resident for any other forest foreign jurisdiction? No. Yep. And you're not involved in any sort of politics or any family in politics, are you? No. Yep. Bit of a random one, I know, but it's just to do with a bit of any money laundering and also Yep. just to make sure that, yeah, we're adequately protecting people that have their details out there online, so that's fine. And as far as goals are concerned, I know the main goal originally was, like, just paying down the mortgages and potentially having investment in the future. Where are you sort of standing when it comes to, you know, having an investment property again or, you know, another investment? Yeah. Not at this point. No. No more investment property. Yep. Just happy to paying down the mortgage Yep. there. Yep. Yep. He's still sort of planning on, you know, buying a caravan, doing the trip around Australia. Is that sort of still the longer term Yep. goal? Yeah. Yep. And in regards to any other goals that you're sort of working towards, Lisa, is there anything else that you're sort of working towards at the moment? No. It was really just trying to focus on our super now and building that up. Yep. Understandable. And then as far as insurances go, obviously, you've got a bit of debt there again. But are you sort of looking to review that at any point, or are you happy being more self We're insured just happy and with yeah. Happy where things are at the moment. yep. Completely understandable. And then in regards to a risk profile, obviously, we'll quickly run through that. But you haven't had any direct shares since you last spoke to us, have you? Sorry? Direct shares, like, held any direct shares? Oh, no. No. Yep. And then as far as inflation goes, so the cost of living sort of keeps creeping up there. Would you consider yourself still you know, take on that moderate to higher amount of risk to outpace inflation to get a bit of a return out of your your superannuation, not just being, like, investing in cash and getting the standard interest rate? What what do you mean? So if you, like, sort of just had all your money in cash, you'd just get, like, you know, your general interest rate, which is generally the cash rate that the RBA set, so it depends on your bank a little bit. But to, you know, get a higher return and make sure that inflation isn't eating away at, like, your the gains or interest you earn on your money, you sometimes have to, you know, take on, you know, a bit more risk by having shares, you know, property, things like that within investments to get a higher return to make sure that your money is actually growing. Because obviously, a dollar today is worth more than a dollar tomorrow generally because, like, inflation Yes. keeps going up and the buying power just sort of keeps decreasing over time. So to make sure that your money is growing in sense that it's growing in value and then still has the same sort of buying capacity as well. You need to take on that little bit more risk, which is what that that's referring to. So would you consider yourself a little bit more of a moderate risk taker still or higher risk taker? Definitely moderate. Yep. And then after six months, if you did invest or change your investments and it did decrease by 20% just due to general financial market trends, say the the war continues on, would you sort of just wait and hold that out, or would you sort of be a bit concerned, maybe look to switching back to cash, things like that that are a bit more defensive or maybe even I'd probably get a bit conservative. Yeah. yep. Not a problem. And then in regards to your superannuation dropping, like, things through COVID and things like that, did that make you quite concerned? Or It did. Yeah. Yep. And then in regards to borrowed money, obviously, you've had borrowed money in regards to a few property and other things as well. Would you ever put borrowed money into anything else? Are you kind of done borrowing money at the moment? We're done for the moment. Yeah.","start_word":3349,"end_word":4647,"sentiment":"neutral","sentiment_score":0.005490362930259996},{"text":"No problem. So that does still bring you out as a growth investor there, Lisa, which is about that eightytwenty.","start_word":4648,"end_word":4667,"sentiment":"positive","sentiment_score":0.3527006208896637},{"text":"So about 80<unk> growth assets, about 20% defensive. Now in regards to that, we can obviously look at doing an update that's still in line with the growth portfolio, as I said, for Yep. when we're sort of touching base in a a month and a bit of their time.","start_word":4668,"end_word":4717,"sentiment":"neutral","sentiment_score":0.19498538464307785},{"text":"Yep. And then we can sort of run through that document, see if you're happy with everything. And then if you've got any questions from there or wanna look at something different as well, we can do that for Yep.","start_word":4718,"end_word":4757,"sentiment":"positive","sentiment_score":0.42970243096351624},{"text":"you. Okay. How long does this process take to change it over? So the the document, so I was just doing the research and putting it all together just with the the little bit of a backlog at the moment. It just take a couple weeks now just because we're you wanted to leave it alone and sort of touch base in a a month and a bit there anyway. We've just got it booked in for the May 5. And then if Yes. you were to sort of be happy with everything and then sort of look to to change it and accept that recommendation, then the change is, like, from you signing the document to do an investment switch. It, like, can be actioned that day or, like, the next day, and then Alright. from So there. you you don't do it now? Okay. We have to wait. It's gonna take another three months. Well, just because you wanted to leave it alone there, I can sort of book you in closer, say, a week and a bit from now if you'd Yeah. like to. And Sorry. then I think I I think I don't know if you're I'm confused or I thought that you were gonna get the process going now. So change the investments over now, and then we'll reassess in three months as to no. Yes. Sorry. I thought you just meant the process of just starting the document and no. leaving things as with. Yeah. I So, don't yeah, wanna wait to change another three months. yeah. Okay. No. To change the investments, we actually have to provide that document so I can book a time in sort of, you know, week and a bit there. So maybe Tuesday, the twenty fourth, even I'll book in for the same time, and then Yep. we can sort of provide you the document there. And then you can sort of make a decision if you'd like to undertake Yep. that investment Yep. update.","start_word":4758,"end_word":5094,"sentiment":"neutral","sentiment_score":0.016298226691583498},{"text":"Okay. Perfect.","start_word":5095,"end_word":5096,"sentiment":"positive","sentiment_score":0.6246086955070496},{"text":"Now in regards to your annual review documents, because obviously, I don't have any of them prepared for you, so I can get them to send an annual review pack out with, like, obviously, the the twelve month performance and a few other documents there as well, which will also include that ongoing service agreement. Now, obviously, we are updating your advice. It has expired. So you haven't been paying us a fee, which is a bit good for you. It's obviously a bit of a discount. But in saying that, moving forward, if you were to sign that happy to stay on, at least for the the time being, it would start that fee again. Now it isn't a locking contract. So even if you did sign it in a month from now, you go, actually, I just wanna go back to an industry fund and just leave it as is, Yep. then you can just opt out of the service still. You don't, like, lock into a twelve month contract, if that makes sense. Yep. Okay. But it would still be that 1.65% ongoing fee of the the balance. Do you have any questions or concerns regarding that? Yep. No. No. Yeah. That's fine. As far as the performance for the last twelve month period, it is seeing only point 4%. That's largely due to what occurred with Benelong and what's happened the past few months with the war in Iran.","start_word":5097,"end_word":5339,"sentiment":"neutral","sentiment_score":0.003714919788762927},{"text":"Now in saying that, you know, being in a growth portfolio, you're still expected to have some bad years. So Bennelong coupled with what is happening in the the global climate as well is sort of what has occurred there. Now in terms of, like, losing money, I hasn't actually lost money in the last twelve months.","start_word":5340,"end_word":5396,"sentiment":"negative","sentiment_score":-0.3835456073284149},{"text":"I've been saying that we'll look to do an update that sorta is sort of better indicative of what's gonna occur potentially in the next sorta few years, the five to to seven year mark of holding, like, a a growth portfolio for you there, Lisa. Yeah. And is there anything else that you want addressed in that document No. there Not. or just the investment update? No. That's perfectly Yep. fine. But do you have any other questions for me that I haven't answered or anything today regarding No. that? No. Yep.","start_word":5397,"end_word":5489,"sentiment":"neutral","sentiment_score":0.023175165057182312},{"text":"Not a problem. Well, I'll just get a start on this now, and I've got you booked in for the twenty fourth there. If you do have any questions in the meantime or wanna have a chat about anything, feel free to just reach out, and I'm happy to answer those via email or not or to organize another phone call.","start_word":5490,"end_word":5550,"sentiment":"positive","sentiment_score":0.4280078113079071},{"text":"As far as Yep. things we do need to update there, your ID is currently expired. So I can just send you an email if you can provide just an updated, like, driver's license front and back. We'll get that certified on file just to be able to provide you updated advice, if that makes sense. Yep. No problem at all, Lisa. Or you can actually just respond to that with the email chain that we've already got going there, if you don't mind, just with the the front and back license photo. And if I don't have it in a bit there, I'll just send you another reminder email. Okay.","start_word":5551,"end_word":5661,"sentiment":"neutral","sentiment_score":0.08655937016010284},{"text":"Perfect.","start_word":5662,"end_word":5662,"sentiment":"positive","sentiment_score":0.40823042392730713},{"text":"But if you don't have any questions for me, at least, I'll get a start on that one, and then we'll be chatting in a week and a bit there. Yep. Okay. So my I don't have an actual photo. I've only got it on an app now, the my Victorian license. Yep. I suppose If you, I can just screenshot that. yeah, if you screenshot that, just make sure you've got the card number with that and then the the reference number for your license as well. Yep. Okay. I'm just trying to think for Victoria what's actually on there from from memory. I'll just have a quick look to see. There's some there's obviously the states are a little bit different. Bear with me two seconds. Because I believe there's two different numbers we'll need from the the card to ensure that Yeah. So there will just be a license number there, and then there'll also be a card number. The card number is generally a pay number with the the Victorian ones Yes. and then the license number. So as long as Can you capture you just that in hold the can expiry you just hold on for a sec? Thanks. Yep. You there? Yep. Still here. Yeah. Sorry. No. That's perfectly fine. Yeah. So as long as it does have your license number and that that card number in the the screenshot there of that last night, that should be fine. And if, obviously, with the expiration date and your picture of yourself in it. Yep.","start_word":5663,"end_word":5922,"sentiment":"neutral","sentiment_score":0.061768294870853425},{"text":"Okay. Perfect. No problem, Lisa.","start_word":5923,"end_word":5927,"sentiment":"positive","sentiment_score":0.514297604560852},{"text":"Any other questions for me there?","start_word":5928,"end_word":5933,"sentiment":"neutral","sentiment_score":0.18912813067436215},{"text":"No problem at all. Well, I'll let you get back to you today. Thanks for your time there.","start_word":5934,"end_word":5951,"sentiment":"positive","sentiment_score":0.4991301298141479},{"text":"I know it was a little bit long winded there in the end, No. but No. we'll That's be speaking alright. shortly as well. Okay. Alright. No worries.","start_word":5952,"end_word":5979,"sentiment":"neutral","sentiment_score":-0.010592815466225147},{"text":"Thank you. Thanks. Thanks, Lisa. Bye now.","start_word":5980,"end_word":5986,"sentiment":"positive","sentiment_score":0.5928358435630798},{"text":"Bye.","start_word":5987,"end_word":5987,"sentiment":"neutral","sentiment_score":0.26434656977653503}],"average":{"sentiment":"neutral","sentiment_score":0.03129584673174601}}}}