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Is now still a good time for you? Yeah. No. That's that's all good. How's your day been? Been busy or just kind of wrapping things up? Yeah. Perfect. Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so I can confirm your identity, would you be able to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. That's exactly what I have here. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific you would like me to focus on today or any particular questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months for you. Yep. Yes. Mhmm. Yes. That's on yeah. And it it it's one of those tricky ones where there is a lot of talks in regards to self managed super funds, and and that is so if you wanna use your superannuation to buy a property, there is only two ways. So one way is for it's the first time with the saver scheme, which, unfortunately, you wouldn't be eligible for because you already have a property. Sorry. That one is more designed to help people save up to buy the first property. The other one is the South Minnesota Superfund. That is kind of the only other way through by property. Yes. Yeah. And if it's if it's done, track is something you wanna look at, we definitely do self made super funds as well. It depends on, obviously, your goals. Now I've seen more being closed down than open up, and often that is because there is because the self made super funds, it is self managed by the client. So if you are the trustee of it, you would you would manage the self made super fund. You would also be compliant for everything. So making sure everything is in order, also having to do a yearly tax return and stuff like that for it. Now yeah. And that is often the case. People are like, yes. I love that idea. And then when you go into it and, like, they're running costs and stuff like that, it's like, oh, maybe it's not always the best avenue. Often, we see it as well if you are, like, a a business owner or something like that where you can you can buy it and, like, rent it out. Obviously, it has to be an arm's length, which is the purpose for your retirement. So it's not like you can have it as a holiday house or or something like that or your property. Sometimes people think you can use to sell most of your time to buy your property if you don't have borrowing capacity elsewhere, which you can't. It has to be for an investment only. So it is quite complex in in that way. Now, like yeah. So all if it is something you wanna explore later, we definitely can. But, yeah, there are a lot more running costs associated with it and more complexities in in regards to it. But, yeah, if it is something down to track you are very interested in, just let us know because it is something we do as well. So, yeah, obviously, something to keep in mind, obviously, depending on what your goals and situation is like. But, otherwise, what I might run through with you first there, James, it's just a bit of an updated fact line just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just kinda bear with me as I go through this. Now I have you down here as with personal information as single with no financial dependent. Is that just okay? Yep. Perfect. Now next up, Kin, I have I believe it's your friend, Penelope, noted down as next up Kin. Is that still the case as well? Perfect. And their phone number still ends in 956? Yep. Yep. Perfect. Yep. Amazing. Now when it comes to employment wise, has any of that changed, or are you still kind of? You have? Okay. Mhmm. Yep. Okay. So still kind of doing the the venue management side of it? Yep. And who's your new employer? Perfect. And when did you start there? Oh, yeah. And how are you finding it so far? Oh, that's good. Oh, that child's lovely. Yep. Yay. Oh, yes. Coming very heavy right now. Oh, perfect. And still working, like, full time with them? Okay. Perfect. And income, you said about a 110? Yep. And they pay the standard 12% employer contribution into super as well? Yeah. Perfect. And what do you do with your casual job? Yep. Yep. Alright. Yeah. That makes a difference. And you said income is about 15,000? Yeah. Okay. Yeah. Casual. Even, like, yeah, a bit of a rough rough ride. Are you happy for me to okay. Perfect. And are you happy for me to go through some of the other bits where you find that, or would you like me to just kind of wait? Yes. After tax. Perfect. And you get the 12% contribution there as well? Yeah. Amazing. Otherwise, you're not making any additional contributions yourself, just that from both your employers. Yep. Perfect. And when it comes through assets, I have here your main property was last died at about 750,000. Yep. Perfect. And mortgage about 156,000. Yep. Perfect. I have investment property about 400,000. Yeah. Oh, nice. Yeah. Beautiful. So 600, and I have mortgage about $3.95. About right? Perfect. Motor vehicle, about 35,000. Yep. Nothing owing on that one. Yep. Perfect. And then I have a credit card of about 8,000. Yep. Perfect. And then cash in the bank, so savings about 75. 40. Yep. Perfect. Any other new assets? We haven't gone through otherwise. Not perfect. Any other, like, personal loans or anything like that? No. Great. And when it comes to health and lifestyle, have you done here as a non smoker? Is that still the case? Perfect. And have you had any changes to your health in the last twelve months at all? No. Great. And do you have private health insurance? Yep. And that's hospital as well? Just basic? Okay. Perfect. Because with your income as well, just be mindful for the Medicare levy surcharge, which is let me check what is because it keeps changing because I think you'll be just on the edge. So what it is is an additional tax for high income earner. And sometimes it's worth looking at, and it is you need hospital for it. So it's making sure you have appropriate hospital cover. Perfect. That's good. That's fine. Perfect. Okay. Cool. Great. That's fine. Perfect. Yeah. And that's why most people because with the the changes so at the moment, otherwise, if you only were to have extras, so, like, no hospital, then if your income is over 101,000, which it is for your case, you would be liable to pay a a bit of that medical levy surcharge. So sometimes it's worth looking at it. Sometimes people are like, oh, I don't see the the the purpose of having it. Like, that's fine. Just look at the math. Sometimes it works out cheaper for you. So, yeah, often that's why a lot of people have it as well. It's like, well, if if you pay maybe a tiny bit more, but you have you have the private health than having to pay the extra tax. So that's good that you have it because you're over the threshold, so that's good. Now when it comes to estate planning wise, do you have a will or power of attorney or anything like that? Yes. Amazing. Because I know that was on the to do list last time, so that's great. And when you got the will, do you know if a part of that you made a nomination for power of attorney? Yes. Yeah. Okay. Perfect. And but you didn't have anyone who makes any financial decisions on your behalf or anything like that? Now when it comes through to and your insurances as well, we don't have a nomination at the moment. So did you ever receive your hub 24 and your zero beneficiary forms in the post at all? Mhmm. That's okay. Would you like us to re yeah. Perfect. Now do you prefer email if you have access to a printer, or do you want yeah. Perfect. I will get that emailed. I'll get the team to email that to you. Yes and no. It doesn't have to be a person. It depends on how you want to do it. So, basically, from superannuation, it is quite strict on who you can nominate directly because of this this act. So if you can nominate someone directly, it has to be a spouse, a child, someone who are financial dependent on you or in an interdependency relationship, which essentially is someone who must remain financially dependent on you at the time of your passing. You need to have a close personal relationship, living together, and providing financial domestic or personal care support. And often, a lot of clients, it's like, well, if if I don't have any financial dependence or a partner, who do I nominate? Or sometimes I have people who is like, well, I wanna give it to my nephew or niece or my cousin or my friend or my parents. The way to do that would be through your legal personal representative. So, essentially, on the form, you would complete legal personal representative at a 100%. And, basically, what that means is then revert to your will. And then in the will, it will be what you want. Correct. You can 100% do that. Sorry. For for the form, you would just complete it as a legal personal representative. I can get the team to pre fill that for you if you would like. Yeah. Perfect. Then that way because your superannuation, it does not feel part of the estate if something were to happen, but you can have completely different people nominated. Yeah. But this way, doing it through legal personal representative, you're saying, no. I want it to go to my will. And then, yeah, exactly, in your will, you can then have it whoever you want to. You could have it in non for profit. You could have it wherever you want. So, yeah. Alright. So we'll do the legal personal representative. Now there are two different types of nominations as well that you can do, which is you can have a lapsing or a non lapsing option. So non lapsing means that it stays in place until you decide to change it. Lapsing means that it expires every three years, and you have to redo it. What would you prefer? Yeah. Yeah. Perfect. Yeah. Especially with the wheel as well. It makes it easy because if anything ever changes for you, you can just update the wheel. You don't have to update this form. Now the other one is then you can have a binding or nonbinding option. So binding means that, basically, the trustee, so the super fund and and insurance are bound to follow your wishes. The nonbinding is where you basically say this is what I would like, but then it's ultimately up to the trustee to decide if they feel that there's someone else that is suited for it. Sorry. Yeah. Alright. That's where most people decide. So I will look at the prefilled for you and get the team to email that out. Now most of the team have left for today, so it might be tomorrow or the following day, if that's okay. Yeah. Yep. Great. Perfect. Otherwise, when it comes to, I guess, like, goals and stuff that you are working towards, I had here that last time I do interview time, your main focus was to pay down the mortgage on your property and the investment property. Is that still kind of the focus for you? Mhmm. Yeah. Yeah. And from a tax deduction point of view on interest as well. Yeah. Perfect. And, otherwise, renovate your apartment. Did you end up doing some renovation, or is that still on the card? Mhmm. Yeah. Perfect. And, otherwise, I had basically just to kinda go on some holidays every now and then, and I think you had a planned trip to Europe. Did you end up going? Yes. Go ahead. Yeah. Yep. Oh, no. Yeah. Oh, sounds lovely. And aside from, obviously, traveling and the mortgage, is there anything else that you are kind of working towards otherwise? Or is that No. Yeah. Yeah. Yeah. It sounds like it's beautiful. I used to live down in what was it called? It was near the Royal Women Hospital. Like, near, like, the race courses and stuff like that. Yeah. Yes. And it was transportation is great in Melbourne. It was so good. And then you got yeah. Yeah. Yeah. Yeah. Oh, that's good. Now the next thing I do wanna run over with you there, James, is just a bit of an updated risk profile questionnaire. And that is just to see if we need to make any changes to your risk profile in your super. So when it comes through time frames, are you still kind of planning on accessing a super at 65, or when do you think you'd want to look to retire? Mhmm. Because, yeah, it's 67 is potential age pension if you're eligible for that. Otherwise, you if you retire, like, if you stop working, you can access your super tax rate at 60. At 60. Six zero. Yes. If you stop working. Yep. And then yeah. Because often as well, if we have people between, like, 60 and 65, if you want to reduce your hours, do you wanna work through a little bit from super, there's different strategies that we can look at to to utilize that. But, otherwise, I'll leave it around 65 as a benchmark for you. And do you think a weekly income of around 1,500 per week is still kind of the goal for you? Would that cover your expenses and stuff like that? Mhmm. Mhmm. Yeah. Perfect. Now have you ever bought direct shares yourself, by the way? Nope. And when it comes to how much risk you are willing to take for your superannuation, so would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and keep up with, you know, the rising prices and expenses and everything and grow your suit Yep. Okay. Stay with a bit more. Yeah. Somewhere in the middle. Alright. Perfect. Moderate. Now when it comes to volatility as well, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. Would you say that you would want to take advantage of the dropping prices by thinking that now is a good time to invest a little bit more. Would you just kind of be a bit more neutral, hold and wait to see what happens, or would you want to shift to a more secure asset so that means you're out in selling when the prices have dropped? No. Just write it up. Yep. Perfect. And next one is in regards to fluctuations. So, obviously, in the last twelve months, we have seen quite a bit of fluctuations in the market. We first had, obviously, Trump and everything in The US causing a bit of fluctuations, and then, obviously, more recently, the war and everything like that have seen a bit of a shift in the market. So if it was something that you noticed with your superannuation or any of your other assets really, would you say that you would feel optimistic about potential future investment opportunities or a bit more kind of neutral with not making further investments or concerned or highly anxious? Neutral? Yep. Okay. Perfect. Yeah. And would you ever consider taking out a loan to invest in stocks or funds? Probably not. No. Perfect. Now that tells me here that, James, that you have come out as a growth investor. And having a bit of a look at your account, we do currently have you in a high growth portfolio. So do you know the difference between those two at all? No. Correct. Yes. Now just for your reference, like, they're both similar in you, obviously, trying to maximize growth as much as possible while you do have the time. But you are also prepared to experience, you know, some higher levels of fluctuation in order to achieve that growth. Now the difference between them is that in a high growth, which is how you are currently invested, we typically see 90% invested in what we would call your growth investment. So that will be things like Australian shares, international shares, as well as property and commodities. And that is what's going to kind of maximize the return on for you. And then about 10% in defensive. So that will be, like, your cash, your gold, your fixed interest. Limit fluctuates a little bit. Now a growth portfolio is about an eighty twenty split, so it's about a 10% difference. Now when we are looking at a high growth as well, so making sure you have enough time in the market for those fluctuations, we wanna allow at least eight years until retirement. Whereas a growth portfolio, we have about six. So from that, what would you feel you align with a bit more? Would you like to look at potentially reducing your risk a little bit and see what that would look like, or or how do you feel at the moment? Yeah. You're okay with high growth? Yeah. Okay. Yeah. We can definitely leave that now. If at any point in time that changes and you wanna revisit it, just let me know. It doesn't have to be a review time. If at any point during the time you go, you know what? I do wanna look at changing it. We can always do the research and have a look at it for you. Because moving it to growth, you will have a little bit less fluctuation, but long term, you could have less growth as well. Yep. Alright. Perfect. Now do you have access to your emails at the moment? Oh, yeah? Okay. Perfect. So what I have done is I have to send you an email with some documents to run through quickly. If you could get that up for me. And we have recently changed. You have it hasn't come through yet? Yes. Because it should be by now. Because, also, we have recently changed the software. So it could be if it's if it's the first time we've sent it through this software that it might not recognize it and put it automatically as a BIN. I have a look. It should have been within the last twenty seven minutes. I'll have a look and see here. It says online it's been done, but I'll just try to resend it and save that. Yeah. Let me have a look here. Jdipnol@officenet.com.au? Alright. I'll just try to resend it and see how that works. Samsung's technology at the end of the day as well is not now I've just resend it, so we'll see how we go. Are you happy for me to kind of run through some of the documents? I'll leave the the more technical ones too. Hopefully, you can see them. But when you do get it, then just let me know. Just kind of keep refreshing and text them and let me know if it's just a consent. But oh, perfect. Oh, that's good. Now before you click on the link where it says sign now, at the bottom of that email, can you see a couple of attachments? Yep. Perfect. Now if you wanna open the 2025 Vanguard index chart for me first, And just let me know when you can see that one. Okay? Yep. Perfect. Now you probably have seen this one last time. Every year, Vanguard does up updated. So you can see here now it's been updated from 1995 through 2025. It is just a good visual representation of what we are talking about when we're talking about the market. Basically, you can see here that over the long term, the market always goes up. The short term, there will be some ups and downs and market fluctuations. And that's why those time frames come in handy as well just to kind of measure things. But just for your reference, what that high growth means is that 90% in your top four. So you can see that these are the ones that grow the most, but also fluctuate the most. And then 10% in the bottom three. Yep. That all makes sense? Yep. Perfect. Now the next one there is that you'll have a '24 performance report. Is that the one that you can see? Yes. Yes, please. Yep. If you can open that one for me. Now this one here might usually looks a little bit more messier, but it is you're showing a breakdown of your portfolio. So like we kind of touched on the last twelve months, the markets have been a little bit kind of uneven. A small group of companies and mainly kind of, like, The US and stuff have driven a lot of the headlines, and some other areas haven't really kept up with the same extent. Looking at your portfolio, though, over the last twelve months, and this is all net of fees, it's kind of performing as we've expected. So it's still positive, which is good, but it's about 5.54% after fees, which in when we're looking at your actual investments, it's still pretty good considering what's happened in the market. Now some areas have done really well. It's that The US exposure, have done really well as well, as well as some of their valuation, allocation in Australia. But at the same time, we have seen some other areas being a little bit weaker, which is often also how will we design your portfolio because you wanna make sure you have it diversified. So if there are certain areas that is you're more cyclical or, you know, we wanna make sure that if some areas are performing really well, we then kind of balance that out a little bit as well. So some of the kind of special areas have underperformed a little bit, and that the one that I do wanna talk to you about is potentially changing, is one of the investments. So most of the other investments are still keeping up with, the market trends and and everything like that, so not too concerned about it. But there is one investment that I would like to do a little bit more research and look to swapping out for you if you are comfortable with that. And that is your Benelon Australian equity fund. So that one here, when it was added to your portfolio yeah. So that one is underperforming a little bit at the moment. And sometimes as well, if you see, for example, like, cybersecurity, which is down a little bit at the moment, we do foresee that one kind of coming back around, and there's obviously a lot of opportunities in that space. So from a cyclical point of view, he's not too concerned about that, and it's kind of expected. But with the Benelon one, we've done a lot of research on the investments. And when it was added to your portfolio, it was performing really strongly, and they were one of the best performing fund managers. That's not to say that that's always going to be the case, which is why the annual reviews are so important. And we've been along they've been a little bit slower in making the investment choices at the moment. And one of the investments that they actually had in their portfolio was the corporate travel group. I'm not sure if you've read or heard anything about it, but that company had a bit of issues with that reporting, which actually caused them to be suspended from trading. So that kind of caused, yeah, caused a bit of a bit of a dip in it. So even though, yeah, even though it wasn't them, they were just one of the companies that they had. It obviously had its impact. So we've done a lot of research, and we feel like there's a lot of better options out there that we can block the phen along for you. So if you are happy for me to do that, I would like to do a bit more research and see which one we wanna potentially swap it out for you and making sure we always have you in the best position as possible. And I do wanna factor in as well if there's any, you know, tax consequences and fees and returns. So what I will do is I will do some research and put put it together in a bit of a proposal for you. I will run through the changes, and then you can let me know what you think. So it will take me about a week and a half roughly to put that all together. So when is usually a best time for you to go through that? Yep. As late as possible. Yeah. Yep. That's okay. That's okay. Because all my afternoons, I fully booked next week anyway. It's usually the ones that go the fast. So let me see here. I could probably do I could do 05:00 on Wednesday, the twentieth. Would that work? It would be fairly it'll be quicker than today because there wouldn't be too many changes. So it usually can be done in maybe fifteen minutes or so. Yeah. Would that work? Okay. Otherwise, I could do Tuesday the nineteenth at five again if that will be better. It's better? Yep. Alright. So I'll book that in. Now if anything does change and you can't make it, let me know, and I'll see if I can get it reshuffled for you. Would would you like a reminder text sent, like, two hours before in case something comes up for you? No. That's okay. Yep. Alright. So that is Wednesday, May 20 at 5PM, and I'll give you usually, if you do have access to your emails, it is good because I will actually send it to you. It should go through similar to today. If you can't, it it should be fairly straightforward. Otherwise, that is all booked in. Now almost finished for today, but, basically, the other reports you will see there, James, if you see a super insurance summary. Can you see that one? Yep. Perfect. Now that one here gives you a bit of a breakdown of your super insurances at the moment. So you have your superannuation with twenty four, and you do have about 430,900 in them, and that you also have your insurances with Zurich. So for your life and PPD, you have $654,604, all paid from within superannuation. So you do get a 15% tax rebate, and total premium is 4,309. Now are you still happy with the level of cover and everything like that that you have with your insurances? Yep. Perfect. And I can see that you don't have that income protection or through my insurance. Are you still comfortable with that? Yep. Great. And now I won't get you to open it, but you will see as well. I'll let you have a read over that in your own time that in your emails, you will have a 08 c o c. That's just a certificate of currency for your insurances. So it basically breaks down your insurances in a bit more detail, but let's, you know, that's all paid and after that. Yep. And then the the last two, you will have an OQ financial services guide version four and then an OQ services guide version one. But you would have seen this one before. It's one of those compliance documents we we'll give you every year. We've had a bit of a change to marketing. None of the important information has changed, but as you do go and have a look at it, you will see we've had had some new photos and everything done, so a bit of revamping marketing and a bit of an extension to the team as well, which which you can see in there. If you do go and have a look at it, you'll also see myself in there if you do wanna put a face to the voice. Yeah. Yep. Now, otherwise, if you are happy to do so, if you wanna press where it says sign now, it will ask you to sign through document. Now one will be your ongoing service agreement, which is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract, but this just lets us service your account and everything in the meantime. Yep. And then the last one we should ask you to add a signature is a tax file number opt in form, which is just a compliance form as well just to say that we are keeping your tax phone number if you're on file. And then once you've added both the signatures, if you're happy to do so, it should say validate, and then I think it will send it back to me. And I think sometimes they even ask you to draw it as well, which is funny. Perfect. Yep. And then I'll just refresh that, and it should send through to me. Usually, it's pretty instant. No. That's okay. Yep. So if if it is that you wanna download a copy, it should all be saved on your account there for you that you can download it. If not, we always have a copy on file. So if it's ever that you you wanted, it's all here on file for you. And I can see on my end that that has come through, which is great. So I will get the team to get that sorted. I will also let the team know to email those beneficiary forms for you and prefill them for you. Because you are making a legal nomination, they just have to be printed and but signed a witness. Then you can send it back, and we'll get that sorted for you. Otherwise, I do have you booked in on Wednesday, May 20 at 5PM, yep, to go through that research. But do you have any other questions or need anything else from me otherwise today, James, before I let you go and enjoy your afternoon? No? Alright. Perfect. Well, I will let you go. Thank you so much for your time and patience today, and I look forward to speaking with you on the twentieth. Mhmm. No worries. You too. Bye. 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afternoon, James. This is Veronica from OTU Financial. How are you this afternoon? Good. I'm well.\n\nThanks. I had you booked in to go over your annual review. Is now still a good time for you? Yeah. No.\n\nThat's that's all good. How's your day been? Been busy or just kind of wrapping things up? Yeah. Perfect.\n\nNow before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so I can confirm your identity, would you be able to confirm your full name, date of birth, and address, please? Yep. Yep.\n\nPerfect. That's exactly what I have here. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific you would like me to focus on today or any particular questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months for you. Yep. Yes.\n\nMhmm. Yes. That's on yeah. And it it it's one of those tricky ones where there is a lot of talks in regards to self managed super funds, and and that is so if you wanna use your superannuation to buy a property, there is only two ways. So one way is for it's the first time with the saver scheme, which, unfortunately, you wouldn't be eligible for because you already have a property.\n\nSorry. That one is more designed to help people save up to buy the first property. The other one is the South Minnesota Superfund. That is kind of the only other way through by property. Yes.\n\nYeah. And if it's if it's done, track is something you wanna look at, we definitely do self made super funds as well. It depends on, obviously, your goals. Now I've seen more being closed down than open up, and often that is because there is because the self made super funds, it is self managed by the client. So if you are the trustee of it, you would you would manage the self made super fund.\n\nYou would also be compliant for everything. So making sure everything is in order, also having to do a yearly tax return and stuff like that for it. Now yeah. And that is often the case. People are like, yes.\n\nI love that idea. And then when you go into it and, like, they're running costs and stuff like that, it's like, oh, maybe it's not always the best avenue. Often, we see it as well if you are, like, a a business owner or something like that where you can you can buy it and, like, rent it out. Obviously, it has to be an arm's length, which is the purpose for your retirement. So it's not like you can have it as a holiday house or or something like that or your property.\n\nSometimes people think you can use to sell most of your time to buy your property if you don't have borrowing capacity elsewhere, which you can't. It has to be for an investment only. So it is quite complex in in that way. Now, like yeah. So all if it is something you wanna explore later, we definitely can.\n\nBut, yeah, there are a lot more running costs associated with it and more complexities in in regards to it. But, yeah, if it is something down to track you are very interested in, just let us know because it is something we do as well. So, yeah, obviously, something to keep in mind, obviously, depending on what your goals and situation is like. But, otherwise, what I might run through with you first there, James, it's just a bit of an updated fact line just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just kinda bear with me as I go through this.\n\nNow I have you down here as with personal information as single with no financial dependent. Is that just okay? Yep. Perfect. Now next up, Kin, I have I believe it's your friend, Penelope, noted down as next up Kin.\n\nIs that still the case as well? Perfect. And their phone number still ends in 956? Yep. Yep.\n\nPerfect. Yep. Amazing. Now when it comes to employment wise, has any of that changed, or are you still kind of? You have?\n\nOkay. Mhmm. Yep. Okay. So still kind of doing the the venue management side of it?\n\nYep. And who's your new employer? Perfect. And when did you start there? Oh, yeah.\n\nAnd how are you finding it so far? Oh, that's good. Oh, that child's lovely. Yep. Yay.\n\nOh, yes. Coming very heavy right now. Oh, perfect. And still working, like, full time with them? Okay.\n\nPerfect. And income, you said about a 110? Yep. And they pay the standard 12% employer contribution into super as well? Yeah.\n\nPerfect. And what do you do with your casual job? Yep. Yep. Alright.\n\nYeah. That makes a difference. And you said income is about 15,000? Yeah. Okay.\n\nYeah. Casual. Even, like, yeah, a bit of a rough rough ride. Are you happy for me to okay. Perfect.\n\nAnd are you happy for me to go through some of the other bits where you find that, or would you like me to just kind of wait? Yes. After tax. Perfect. And you get the 12% contribution there as well?\n\nYeah. Amazing. Otherwise, you're not making any additional contributions yourself, just that from both your employers. Yep. Perfect.\n\nAnd when it comes through assets, I have here your main property was last died at about 750,000. Yep. Perfect. And mortgage about 156,000. Yep.\n\nPerfect. I have investment property about 400,000. Yeah. Oh, nice. Yeah.\n\nBeautiful. So 600, and I have mortgage about $3.95. About right? Perfect. Motor vehicle, about 35,000.\n\nYep. Nothing owing on that one. Yep. Perfect. And then I have a credit card of about 8,000.\n\nYep. Perfect. And then cash in the bank, so savings about 75. 40. Yep.\n\nPerfect. Any other new assets? We haven't gone through otherwise. Not perfect. Any other, like, personal loans or anything like that?\n\nNo. Great. And when it comes to health and lifestyle, have you done here as a non smoker? Is that still the case? Perfect.\n\nAnd have you had any changes to your health in the last twelve months at all? No. Great. And do you have private health insurance? Yep.\n\nAnd that's hospital as well? Just basic? Okay. Perfect. Because with your income as well, just be mindful for the Medicare levy surcharge, which is let me check what is because it keeps changing because I think you'll be just on the edge.\n\nSo what it is is an additional tax for high income earner. And sometimes it's worth looking at, and it is you need hospital for it. So it's making sure you have appropriate hospital cover. Perfect. That's good.\n\nThat's fine. Perfect. Okay. Cool. Great.\n\nThat's fine. Perfect. Yeah. And that's why most people because with the the changes so at the moment, otherwise, if you only were to have extras, so, like, no hospital, then if your income is over 101,000, which it is for your case, you would be liable to pay a a bit of that medical levy surcharge. So sometimes it's worth looking at it.\n\nSometimes people are like, oh, I don't see the the the purpose of having it. Like, that's fine. Just look at the math. Sometimes it works out cheaper for you. So, yeah, often that's why a lot of people have it as well.\n\nIt's like, well, if if you pay maybe a tiny bit more, but you have you have the private health than having to pay the extra tax. So that's good that you have it because you're over the threshold, so that's good. Now when it comes to estate planning wise, do you have a will or power of attorney or anything like that? Yes. Amazing.\n\nBecause I know that was on the to do list last time, so that's great. And when you got the will, do you know if a part of that you made a nomination for power of attorney? Yes. Yeah. Okay.\n\nPerfect. And but you didn't have anyone who makes any financial decisions on your behalf or anything like that? Now when it comes through to and your insurances as well, we don't have a nomination at the moment. So did you ever receive your hub 24 and your zero beneficiary forms in the post at all? Mhmm.\n\nThat's okay. Would you like us to re yeah. Perfect. Now do you prefer email if you have access to a printer, or do you want yeah. Perfect.\n\nI will get that emailed. I'll get the team to email that to you. Yes and no. It doesn't have to be a person. It depends on how you want to do it.\n\nSo, basically, from superannuation, it is quite strict on who you can nominate directly because of this this act. So if you can nominate someone directly, it has to be a spouse, a child, someone who are financial dependent on you or in an interdependency relationship, which essentially is someone who must remain financially dependent on you at the time of your passing. You need to have a close personal relationship, living together, and providing financial domestic or personal care support. And often, a lot of clients, it's like, well, if if I don't have any financial dependence or a partner, who do I nominate? Or sometimes I have people who is like, well, I wanna give it to my nephew or niece or my cousin or my friend or my parents.\n\nThe way to do that would be through your legal personal representative. So, essentially, on the form, you would complete legal personal representative at a 100%. And, basically, what that means is then revert to your will. And then in the will, it will be what you want. Correct.\n\nYou can 100% do that. Sorry. For for the form, you would just complete it as a legal personal representative. I can get the team to pre fill that for you if you would like. Yeah.\n\nPerfect. Then that way because your superannuation, it does not feel part of the estate if something were to happen, but you can have completely different people nominated. Yeah. But this way, doing it through legal personal representative, you're saying, no. I want it to go to my will.\n\nAnd then, yeah, exactly, in your will, you can then have it whoever you want to. You could have it in non for profit. You could have it wherever you want. So, yeah. Alright.\n\nSo we'll do the legal personal representative. Now there are two different types of nominations as well that you can do, which is you can have a lapsing or a non lapsing option. So non lapsing means that it stays in place until you decide to change it. Lapsing means that it expires every three years, and you have to redo it. What would you prefer?\n\nYeah. Yeah. Perfect. Yeah. Especially with the wheel as well.\n\nIt makes it easy because if anything ever changes for you, you can just update the wheel. You don't have to update this form. Now the other one is then you can have a binding or nonbinding option. So binding means that, basically, the trustee, so the super fund and and insurance are bound to follow your wishes. The nonbinding is where you basically say this is what I would like, but then it's ultimately up to the trustee to decide if they feel that there's someone else that is suited for it.\n\nSorry. Yeah. Alright. That's where most people decide. So I will look at the prefilled for you and get the team to email that out.\n\nNow most of the team have left for today, so it might be tomorrow or the following day, if that's okay. Yeah. Yep. Great. Perfect.\n\nOtherwise, when it comes to, I guess, like, goals and stuff that you are working towards, I had here that last time I do interview time, your main focus was to pay down the mortgage on your property and the investment property. Is that still kind of the focus for you? Mhmm. Yeah. Yeah.\n\nAnd from a tax deduction point of view on interest as well. Yeah. Perfect. And, otherwise, renovate your apartment. Did you end up doing some renovation, or is that still on the card?\n\nMhmm. Yeah. Perfect. And, otherwise, I had basically just to kinda go on some holidays every now and then, and I think you had a planned trip to Europe. Did you end up going?\n\nYes. Go ahead. Yeah. Yep. Oh, no.\n\nYeah. Oh, sounds lovely. And aside from, obviously, traveling and the mortgage, is there anything else that you are kind of working towards otherwise? Or is that No. Yeah.\n\nYeah. Yeah. It sounds like it's beautiful. I used to live down in what was it called? It was near the Royal Women Hospital.\n\nLike, near, like, the race courses and stuff like that. Yeah. Yes. And it was transportation is great in Melbourne. It was so good.\n\nAnd then you got yeah. Yeah. Yeah. Yeah. Oh, that's good.\n\nNow the next thing I do wanna run over with you there, James, is just a bit of an updated risk profile questionnaire. And that is just to see if we need to make any changes to your risk profile in your super. So when it comes through time frames, are you still kind of planning on accessing a super at 65, or when do you think you'd want to look to retire? Mhmm. Because, yeah, it's 67 is potential age pension if you're eligible for that.\n\nOtherwise, you if you retire, like, if you stop working, you can access your super tax rate at 60. At 60. Six zero. Yes. If you stop working.\n\nYep. And then yeah. Because often as well, if we have people between, like, 60 and 65, if you want to reduce your hours, do you wanna work through a little bit from super, there's different strategies that we can look at to to utilize that. But, otherwise, I'll leave it around 65 as a benchmark for you. And do you think a weekly income of around 1,500 per week is still kind of the goal for you?\n\nWould that cover your expenses and stuff like that? Mhmm. Mhmm. Yeah. Perfect.\n\nNow have you ever bought direct shares yourself, by the way? Nope. And when it comes to how much risk you are willing to take for your superannuation, so would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and keep up with, you know, the rising prices and expenses and everything and grow your suit Yep. Okay. Stay with a bit more.\n\nYeah. Somewhere in the middle. Alright. Perfect. Moderate.\n\nNow when it comes to volatility as well, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. Would you say that you would want to take advantage of the dropping prices by thinking that now is a good time to invest a little bit more. Would you just kind of be a bit more neutral, hold and wait to see what happens, or would you want to shift to a more secure asset so that means you're out in selling when the prices have dropped? No. Just write it up.\n\nYep. Perfect. And next one is in regards to fluctuations. So, obviously, in the last twelve months, we have seen quite a bit of fluctuations in the market. We first had, obviously, Trump and everything in The US causing a bit of fluctuations, and then, obviously, more recently, the war and everything like that have seen a bit of a shift in the market.\n\nSo if it was something that you noticed with your superannuation or any of your other assets really, would you say that you would feel optimistic about potential future investment opportunities or a bit more kind of neutral with not making further investments or concerned or highly anxious? Neutral? Yep. Okay. Perfect.\n\nYeah. And would you ever consider taking out a loan to invest in stocks or funds? Probably not. No. Perfect.\n\nNow that tells me here that, James, that you have come out as a growth investor. And having a bit of a look at your account, we do currently have you in a high growth portfolio. So do you know the difference between those two at all? No. Correct.\n\nYes. Now just for your reference, like, they're both similar in you, obviously, trying to maximize growth as much as possible while you do have the time. But you are also prepared to experience, you know, some higher levels of fluctuation in order to achieve that growth. Now the difference between them is that in a high growth, which is how you are currently invested, we typically see 90% invested in what we would call your growth investment. So that will be things like Australian shares, international shares, as well as property and commodities.\n\nAnd that is what's going to kind of maximize the return on for you. And then about 10% in defensive. So that will be, like, your cash, your gold, your fixed interest. Limit fluctuates a little bit. Now a growth portfolio is about an eighty twenty split, so it's about a 10% difference.\n\nNow when we are looking at a high growth as well, so making sure you have enough time in the market for those fluctuations, we wanna allow at least eight years until retirement. Whereas a growth portfolio, we have about six. So from that, what would you feel you align with a bit more? Would you like to look at potentially reducing your risk a little bit and see what that would look like, or or how do you feel at the moment? Yeah.\n\nYou're okay with high growth? Yeah. Okay. Yeah. We can definitely leave that now.\n\nIf at any point in time that changes and you wanna revisit it, just let me know. It doesn't have to be a review time. If at any point during the time you go, you know what? I do wanna look at changing it. We can always do the research and have a look at it for you.\n\nBecause moving it to growth, you will have a little bit less fluctuation, but long term, you could have less growth as well. Yep. Alright. Perfect. Now do you have access to your emails at the moment?\n\nOh, yeah? Okay. Perfect. So what I have done is I have to send you an email with some documents to run through quickly. If you could get that up for me.\n\nAnd we have recently changed. You have it hasn't come through yet? Yes. Because it should be by now. Because, also, we have recently changed the software.\n\nSo it could be if it's if it's the first time we've sent it through this software that it might not recognize it and put it automatically as a BIN. I have a look. It should have been within the last twenty seven minutes. I'll have a look and see here. It says online it's been done, but I'll just try to resend it and save that.\n\nYeah. Let me have a look here. Jdipnol@officenet.com.au? Alright. I'll just try to resend it and see how that works.\n\nSamsung's technology at the end of the day as well is not now I've just resend it, so we'll see how we go. Are you happy for me to kind of run through some of the documents? I'll leave the the more technical ones too. Hopefully, you can see them. But when you do get it, then just let me know.\n\nJust kind of keep refreshing and text them and let me know if it's just a consent. But oh, perfect. Oh, that's good. Now before you click on the link where it says sign now, at the bottom of that email, can you see a couple of attachments? Yep.\n\nPerfect. Now if you wanna open the 2025 Vanguard index chart for me first, And just let me know when you can see that one. Okay? Yep. Perfect.\n\nNow you probably have seen this one last time. Every year, Vanguard does up updated. So you can see here now it's been updated from 1995 through 2025. It is just a good visual representation of what we are talking about when we're talking about the market. Basically, you can see here that over the long term, the market always goes up.\n\nThe short term, there will be some ups and downs and market fluctuations. And that's why those time frames come in handy as well just to kind of measure things. But just for your reference, what that high growth means is that 90% in your top four. So you can see that these are the ones that grow the most, but also fluctuate the most. And then 10% in the bottom three.\n\nYep. That all makes sense? Yep. Perfect. Now the next one there is that you'll have a '24 performance report.\n\nIs that the one that you can see? Yes. Yes, please. Yep. If you can open that one for me.\n\nNow this one here might usually looks a little bit more messier, but it is you're showing a breakdown of your portfolio. So like we kind of touched on the last twelve months, the markets have been a little bit kind of uneven. A small group of companies and mainly kind of, like, The US and stuff have driven a lot of the headlines, and some other areas haven't really kept up with the same extent. Looking at your portfolio, though, over the last twelve months, and this is all net of fees, it's kind of performing as we've expected. So it's still positive, which is good, but it's about 5.54% after fees, which in when we're looking at your actual investments, it's still pretty good considering what's happened in the market.\n\nNow some areas have done really well. It's that The US exposure, have done really well as well, as well as some of their valuation, allocation in Australia. But at the same time, we have seen some other areas being a little bit weaker, which is often also how will we design your portfolio because you wanna make sure you have it diversified. So if there are certain areas that is you're more cyclical or, you know, we wanna make sure that if some areas are performing really well, we then kind of balance that out a little bit as well. So some of the kind of special areas have underperformed a little bit, and that the one that I do wanna talk to you about is potentially changing, is one of the investments.\n\nSo most of the other investments are still keeping up with, the market trends and and everything like that, so not too concerned about it. But there is one investment that I would like to do a little bit more research and look to swapping out for you if you are comfortable with that. And that is your Benelon Australian equity fund. So that one here, when it was added to your portfolio yeah. So that one is underperforming a little bit at the moment.\n\nAnd sometimes as well, if you see, for example, like, cybersecurity, which is down a little bit at the moment, we do foresee that one kind of coming back around, and there's obviously a lot of opportunities in that space. So from a cyclical point of view, he's not too concerned about that, and it's kind of expected. But with the Benelon one, we've done a lot of research on the investments. And when it was added to your portfolio, it was performing really strongly, and they were one of the best performing fund managers. That's not to say that that's always going to be the case, which is why the annual reviews are so important.\n\nAnd we've been along they've been a little bit slower in making the investment choices at the moment. And one of the investments that they actually had in their portfolio was the corporate travel group. I'm not sure if you've read or heard anything about it, but that company had a bit of issues with that reporting, which actually caused them to be suspended from trading. So that kind of caused, yeah, caused a bit of a bit of a dip in it. So even though, yeah, even though it wasn't them, they were just one of the companies that they had.\n\nIt obviously had its impact. So we've done a lot of research, and we feel like there's a lot of better options out there that we can block the phen along for you. So if you are happy for me to do that, I would like to do a bit more research and see which one we wanna potentially swap it out for you and making sure we always have you in the best position as possible. And I do wanna factor in as well if there's any, you know, tax consequences and fees and returns. So what I will do is I will do some research and put put it together in a bit of a proposal for you.\n\nI will run through the changes, and then you can let me know what you think. So it will take me about a week and a half roughly to put that all together. So when is usually a best time for you to go through that? Yep. As late as possible.\n\nYeah. Yep. That's okay. That's okay. Because all my afternoons, I fully booked next week anyway.\n\nIt's usually the ones that go the fast. So let me see here. I could probably do I could do 05:00 on Wednesday, the twentieth. Would that work? It would be fairly it'll be quicker than today because there wouldn't be too many changes.\n\nSo it usually can be done in maybe fifteen minutes or so. Yeah. Would that work? Okay. Otherwise, I could do Tuesday the nineteenth at five again if that will be better.\n\nIt's better? Yep. Alright. So I'll book that in. Now if anything does change and you can't make it, let me know, and I'll see if I can get it reshuffled for you.\n\nWould would you like a reminder text sent, like, two hours before in case something comes up for you? No. That's okay. Yep. Alright.\n\nSo that is Wednesday, May 20 at 5PM, and I'll give you usually, if you do have access to your emails, it is good because I will actually send it to you. It should go through similar to today. If you can't, it it should be fairly straightforward. Otherwise, that is all booked in. Now almost finished for today, but, basically, the other reports you will see there, James, if you see a super insurance summary.\n\nCan you see that one? Yep. Perfect. Now that one here gives you a bit of a breakdown of your super insurances at the moment. So you have your superannuation with twenty four, and you do have about 430,900 in them, and that you also have your insurances with Zurich.\n\nSo for your life and PPD, you have $654,604, all paid from within superannuation. So you do get a 15% tax rebate, and total premium is 4,309. Now are you still happy with the level of cover and everything like that that you have with your insurances? Yep. Perfect.\n\nAnd I can see that you don't have that income protection or through my insurance. Are you still comfortable with that? Yep. Great. And now I won't get you to open it, but you will see as well.\n\nI'll let you have a read over that in your own time that in your emails, you will have a 08 c o c. That's just a certificate of currency for your insurances. So it basically breaks down your insurances in a bit more detail, but let's, you know, that's all paid and after that. Yep. And then the the last two, you will have an OQ financial services guide version four and then an OQ services guide version one.\n\nBut you would have seen this one before. It's one of those compliance documents we we'll give you every year. We've had a bit of a change to marketing. None of the important information has changed, but as you do go and have a look at it, you will see we've had had some new photos and everything done, so a bit of revamping marketing and a bit of an extension to the team as well, which which you can see in there. If you do go and have a look at it, you'll also see myself in there if you do wanna put a face to the voice.\n\nYeah. Yep. Now, otherwise, if you are happy to do so, if you wanna press where it says sign now, it will ask you to sign through document. Now one will be your ongoing service agreement, which is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from.\n\nNo changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract, but this just lets us service your account and everything in the meantime. Yep. And then the last one we should ask you to add a signature is a tax file number opt in form, which is just a compliance form as well just to say that we are keeping your tax phone number if you're on file. And then once you've added both the signatures, if you're happy to do so, it should say validate, and then I think it will send it back to me.\n\nAnd I think sometimes they even ask you to draw it as well, which is funny. Perfect. Yep. And then I'll just refresh that, and it should send through to me. Usually, it's pretty instant.\n\nNo. That's okay. Yep. So if if it is that you wanna download a copy, it should all be saved on your account there for you that you can download it. If not, we always have a copy on file.\n\nSo if it's ever that you you wanted, it's all here on file for you. And I can see on my end that that has come through, which is great. So I will get the team to get that sorted. I will also let the team know to email those beneficiary forms for you and prefill them for you. Because you are making a legal nomination, they just have to be printed and but signed a witness.\n\nThen you can send it back, and we'll get that sorted for you. Otherwise, I do have you booked in on Wednesday, May 20 at 5PM, yep, to go through that research. But do you have any other questions or need anything else from me otherwise today, James, before I let you go and enjoy your afternoon? No? Alright.\n\nPerfect. Well, I will let you go. Thank you so much for your time and patience today, and I look forward to speaking with you on the twentieth. Mhmm. No worries.\n\nYou too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, James.","start":5.44,"end":6.56,"sentiment":"neutral","sentiment_score":0.30748113989830017},{"text":"This is Veronica from OTU Financial.","start":6.56,"end":8.58,"sentiment":"neutral","sentiment_score":0.29471366355816525},{"text":"How are you this afternoon?","start":8.72,"end":9.94,"sentiment":"neutral","sentiment_score":0.2783335864543915},{"text":"Good.","start":12.08,"end":12.48,"sentiment":"positive","sentiment_score":0.4962459206581116},{"text":"I'm well.","start":12.48,"end":13.04,"sentiment":"positive","sentiment_score":0.4965452700853348}],"sentiment":"neutral","sentiment_score":0.3277488114202724,"num_words":17,"start":5.44,"end":13.04},{"sentences":[{"text":"Thanks.","start":13.04,"end":13.54,"sentiment":"positive","sentiment_score":0.6180192828178406},{"text":"I had you booked in to go over your annual review.","start":14.455,"end":16.775,"sentiment":"neutral","sentiment_score":0.30979680066758936},{"text":"Is now still a good time for you?","start":16.775,"end":18.395,"sentiment":"neutral","sentiment_score":0.2610078863799572},{"text":"Yeah.","start":19.654999,"end":20.154999,"sentiment":"neutral","sentiment_score":-0.006597596220672131},{"text":"No.","start":24.055,"end":24.375,"sentiment":"neutral","sentiment_score":-0.05266423523426056}],"sentiment":"neutral","sentiment_score":0.27520842498845677,"num_words":22,"start":13.04,"end":24.375},{"sentences":[{"text":"That's that's all good.","start":24.375,"end":26.235,"sentiment":"neutral","sentiment_score":0.16701388824731112},{"text":"How's your day been?","start":27.68,"end":28.72,"sentiment":"neutral","sentiment_score":0.08101619407534599},{"text":"Been busy or just kind of wrapping things up?","start":28.72,"end":31.3,"sentiment":"neutral","sentiment_score":-0.04697919854273399},{"text":"Yeah.","start":42.735,"end":43.235,"sentiment":"neutral","sentiment_score":0.1508266180753708},{"text":"Perfect.","start":43.535,"end":44.035,"sentiment":"positive","sentiment_score":0.36178135871887207}],"sentiment":"neutral","sentiment_score":0.056942922063171864,"num_words":19,"start":24.375,"end":44.035},{"sentences":[{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":45.454998,"end":53.214996,"sentiment":"neutral","sentiment_score":0.02352144362937127},{"text":"Perfect.","start":53.214996,"end":53.714996,"sentiment":"neutral","sentiment_score":0.16911037266254425},{"text":"And just for security purposes, just so I can confirm your identity, would you be able to confirm your full name, date of birth, and address, please?","start":54.899998,"end":63.559998,"sentiment":"neutral","sentiment_score":0.07113074801034397},{"text":"Yep.","start":68.915,"end":69.415,"sentiment":"neutral","sentiment_score":0.02963152341544628},{"text":"Yep.","start":74.915,"end":75.315,"sentiment":"neutral","sentiment_score":0.12075762450695038}],"sentiment":"neutral","sentiment_score":0.04997638169804524,"num_words":58,"start":45.454998,"end":75.315},{"sentences":[{"text":"Perfect.","start":75.315,"end":75.715004,"sentiment":"positive","sentiment_score":0.3675627112388611},{"text":"That's exactly what I have here.","start":75.715004,"end":77.735,"sentiment":"positive","sentiment_score":0.34541470805803937},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific you would like me to focus on today or any particular questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months for you.","start":78.729996,"end":92.985,"sentiment":"neutral","sentiment_score":-0.007313854502219903},{"text":"Yep.","start":97.465004,"end":97.965004,"sentiment":"neutral","sentiment_score":-0.003554952796548605},{"text":"Yes.","start":104.665,"end":105.165,"sentiment":"neutral","sentiment_score":-0.0341767743229866}],"sentiment":"neutral","sentiment_score":0.030082265543045873,"num_words":66,"start":75.315,"end":105.165},{"sentences":[{"text":"Mhmm.","start":113.01,"end":113.51,"sentiment":"neutral","sentiment_score":-0.06998664140701294},{"text":"Yes.","start":126.785,"end":127.105,"sentiment":"neutral","sentiment_score":-0.017469197511672974},{"text":"That's on yeah.","start":127.105,"end":129.905,"sentiment":"neutral","sentiment_score":-0.0003790094827612247},{"text":"And it it it's one of those tricky ones where there is a lot of talks in regards to self managed super funds, and and that is so if you wanna use your superannuation to buy a property, there is only two ways.","start":129.905,"end":148.105,"sentiment":"neutral","sentiment_score":0.001843029264967109},{"text":"So one way is for it's the first time with the saver scheme, which, unfortunately, you wouldn't be eligible for because you already have a property.","start":148.165,"end":157.465,"sentiment":"neutral","sentiment_score":-0.11039424415391225}],"sentiment":"neutral","sentiment_score":-0.038913418337501386,"num_words":74,"start":113.01,"end":157.465},{"sentences":[{"text":"Sorry.","start":158.49,"end":158.81,"sentiment":"neutral","sentiment_score":0.002087892964482307},{"text":"That one is more designed to help people save up to buy the first property.","start":158.81,"end":162.99,"sentiment":"neutral","sentiment_score":0.11728986029823621},{"text":"The other one is the South Minnesota Superfund.","start":164.25,"end":166.49,"sentiment":"neutral","sentiment_score":0.036401314195245504},{"text":"That is kind of the only other way through by property.","start":166.49,"end":169.47,"sentiment":"neutral","sentiment_score":0.018405859781937164},{"text":"Yes.","start":180.995,"end":181.495,"sentiment":"neutral","sentiment_score":0.12146450579166412}],"sentiment":"neutral","sentiment_score":0.06601597984424895,"num_words":36,"start":158.49,"end":181.495},{"sentences":[{"text":"Yeah.","start":181.555,"end":181.955,"sentiment":"neutral","sentiment_score":0.13396166265010834},{"text":"And if it's if it's done, track is something you wanna look at, we definitely do self made super funds as well.","start":181.955,"end":187.44,"sentiment":"neutral","sentiment_score":0.25369297713041306},{"text":"It depends on, obviously, your goals.","start":188.3,"end":190.22,"sentiment":"neutral","sentiment_score":0.21053328116734824},{"text":"Now I've seen more being closed down than open up, and often that is because there is because the self made super funds, it is self managed by the client.","start":190.22,"end":201.44499,"sentiment":"neutral","sentiment_score":0.14522618800401688},{"text":"So if you are the trustee of it, you would you would manage the self made super fund.","start":201.44499,"end":206.185,"sentiment":"neutral","sentiment_score":0.1859239807559384}],"sentiment":"neutral","sentiment_score":0.1906730407824764,"num_words":77,"start":181.555,"end":206.185},{"sentences":[{"text":"You would also be compliant for everything.","start":206.245,"end":208.405,"sentiment":"neutral","sentiment_score":0.32097131865365164},{"text":"So making sure everything is in order, also having to do a yearly tax return and stuff like that for it.","start":208.405,"end":214.74,"sentiment":"neutral","sentiment_score":0.18193058634088152},{"text":"Now yeah.","start":214.74,"end":220.1,"sentiment":"neutral","sentiment_score":-0.10473810508847237},{"text":"And that is often the case.","start":220.1,"end":221.46,"sentiment":"neutral","sentiment_score":-0.11022086193164189},{"text":"People are like, yes.","start":221.46,"end":222.18001,"sentiment":"neutral","sentiment_score":0.10480574704706669}],"sentiment":"neutral","sentiment_score":0.1403940787538886,"num_words":40,"start":206.245,"end":222.18001},{"sentences":[{"text":"I love that idea.","start":222.18001,"end":222.90001,"sentiment":"positive","sentiment_score":0.40588900446891785},{"text":"And then when you go into it and, like, they're running costs and stuff like that, it's like, oh, maybe it's not always the best avenue.","start":222.90001,"end":229.08,"sentiment":"neutral","sentiment_score":-0.0760070770405806},{"text":"Often, we see it as well if you are, like, a a business owner or something like that where you can you can buy it and, like, rent it out.","start":230.505,"end":238.205,"sentiment":"neutral","sentiment_score":0.0910798783103625},{"text":"Obviously, it has to be an arm's length, which is the purpose for your retirement.","start":238.745,"end":242.685,"sentiment":"neutral","sentiment_score":0.05438941195607185},{"text":"So it's not like you can have it as a holiday house or or something like that or your property.","start":242.905,"end":247.87999,"sentiment":"neutral","sentiment_score":-0.017896985518746078}],"sentiment":"neutral","sentiment_score":0.029870208769448493,"num_words":95,"start":222.18001,"end":247.87999},{"sentences":[{"text":"Sometimes people think you can use to sell most of your time to buy your property if you don't have borrowing capacity elsewhere, which you can't.","start":247.87999,"end":254.44,"sentiment":"neutral","sentiment_score":-0.04342454657531702},{"text":"It has to be for an investment only.","start":254.44,"end":257.02,"sentiment":"neutral","sentiment_score":-0.022857756004668772},{"text":"So it is quite complex in in that way.","start":259.33502,"end":262.155,"sentiment":"neutral","sentiment_score":-0.14975353082021078},{"text":"Now, like yeah.","start":262.215,"end":264.155,"sentiment":"neutral","sentiment_score":0.0008534366885821024},{"text":"So all if it is something you wanna explore later, we definitely can.","start":264.61502,"end":270.075,"sentiment":"neutral","sentiment_score":0.10884541760270412}],"sentiment":"neutral","sentiment_score":-0.021053072838586265,"num_words":59,"start":247.87999,"end":270.075},{"sentences":[{"text":"But, yeah, there are a lot more running costs associated with it and more complexities in in regards to it.","start":270.215,"end":277.81,"sentiment":"neutral","sentiment_score":-0.07572057880461217},{"text":"But, yeah, if it is something down to track you are very interested in, just let us know because it is something we do as well.","start":278.75,"end":284.29,"sentiment":"neutral","sentiment_score":0.12692417304676312},{"text":"So, yeah, obviously, something to keep in mind, obviously, depending on what your goals and situation is like.","start":285.88498,"end":292.305,"sentiment":"neutral","sentiment_score":0.1469870652589533},{"text":"But, otherwise, what I might run through with you first there, James, it's just a bit of an updated fact line just to see if there is anything major that has changed in your life, if we need to make any changes to your advice.","start":294.28497,"end":305.99,"sentiment":"neutral","sentiment_score":-0.017292055735985436},{"text":"So just kinda bear with me as I go through this.","start":306.37,"end":309.50998,"sentiment":"neutral","sentiment_score":-0.0020669441331516614}],"sentiment":"neutral","sentiment_score":0.030254210035006206,"num_words":120,"start":270.215,"end":309.50998},{"sentences":[{"text":"Now I have you down here as with personal information as single with no financial dependent.","start":309.81,"end":316.235,"sentiment":"neutral","sentiment_score":0.011048713116906583},{"text":"Is that just okay?","start":316.455,"end":317.675,"sentiment":"neutral","sentiment_score":0.024255976546555758},{"text":"Yep.","start":317.815,"end":318.29498,"sentiment":"neutral","sentiment_score":0.05020426958799362},{"text":"Perfect.","start":318.29498,"end":318.79498,"sentiment":"neutral","sentiment_score":0.3249777555465698},{"text":"Now next up, Kin, I have I believe it's your friend, Penelope, noted down as next up Kin.","start":319.41498,"end":325.495,"sentiment":"neutral","sentiment_score":0.04980582185089588}],"sentiment":"neutral","sentiment_score":0.03863725336268544,"num_words":40,"start":309.81,"end":325.495},{"sentences":[{"text":"Is that still the case as well?","start":325.495,"end":327.03497,"sentiment":"neutral","sentiment_score":0.03449052093284471},{"text":"Perfect.","start":327.62,"end":328.12,"sentiment":"neutral","sentiment_score":0.17066478729248047},{"text":"And their phone number still ends in 956?","start":328.26,"end":332.04,"sentiment":"neutral","sentiment_score":0.03013142477720976},{"text":"Yep.","start":336.41998,"end":336.91998,"sentiment":"neutral","sentiment_score":-0.025472378358244896},{"text":"Yep.","start":338.66,"end":339.075,"sentiment":"neutral","sentiment_score":-0.01294185221195221}],"sentiment":"neutral","sentiment_score":0.034151977859437466,"num_words":18,"start":325.495,"end":339.075},{"sentences":[{"text":"Perfect.","start":339.55502,"end":340.05502,"sentiment":"neutral","sentiment_score":0.08321574330329895},{"text":"Yep.","start":344.67502,"end":345.075,"sentiment":"neutral","sentiment_score":0.22064262628555295},{"text":"Amazing.","start":345.075,"end":345.575,"sentiment":"neutral","sentiment_score":0.03744363412261009},{"text":"Now when it comes to employment wise, has any of that changed, or are you still kind of?","start":345.95502,"end":351.415,"sentiment":"neutral","sentiment_score":-0.0042492342957605915},{"text":"You have?","start":351.81,"end":352.47,"sentiment":"neutral","sentiment_score":0.0021397736854851246}],"sentiment":"neutral","sentiment_score":0.011699797119945288,"num_words":23,"start":339.55502,"end":352.47},{"sentences":[{"text":"Okay.","start":356.37,"end":356.87,"sentiment":"neutral","sentiment_score":0.005779759492725134},{"text":"Mhmm.","start":360.53,"end":361.03,"sentiment":"neutral","sentiment_score":-0.0013563067186623812},{"text":"Yep.","start":373.82498,"end":374.32498,"sentiment":"neutral","sentiment_score":-0.001474675489589572},{"text":"Okay.","start":376.56,"end":377.04,"sentiment":"neutral","sentiment_score":0.0008182339370250702},{"text":"So still kind of doing the the venue management side of it?","start":377.04,"end":380.82,"sentiment":"neutral","sentiment_score":0.003721997064227859}],"sentiment":"neutral","sentiment_score":0.003026935999514535,"num_words":16,"start":356.37,"end":380.82},{"sentences":[{"text":"Yep.","start":381.04,"end":381.54,"sentiment":"neutral","sentiment_score":0.059897348284721375},{"text":"And who's your new employer?","start":383.92,"end":385.94,"sentiment":"neutral","sentiment_score":0.029033276811242105},{"text":"Perfect.","start":389.615,"end":390.115,"sentiment":"neutral","sentiment_score":0.1632164865732193},{"text":"And when did you start there?","start":390.335,"end":391.875,"sentiment":"neutral","sentiment_score":0.05455154615143935},{"text":"Oh, yeah.","start":394.815,"end":395.455,"sentiment":"neutral","sentiment_score":0.06474777311086655}],"sentiment":"neutral","sentiment_score":0.05500566946963469,"num_words":15,"start":381.04,"end":395.455},{"sentences":[{"text":"And how are you finding it so far?","start":395.455,"end":397.395,"sentiment":"neutral","sentiment_score":0.08540594996884465},{"text":"Oh, that's good.","start":398.41498,"end":399.555,"sentiment":"neutral","sentiment_score":0.1467385490735372},{"text":"Oh, that child's lovely.","start":400.175,"end":402.115,"sentiment":"neutral","sentiment_score":0.19602828472852707},{"text":"Yep.","start":402.815,"end":403.315,"sentiment":"neutral","sentiment_score":0.20325468480587008},{"text":"Yay.","start":406.31,"end":406.81,"sentiment":"neutral","sentiment_score":0.1441519260406494}],"sentiment":"neutral","sentiment_score":0.13264605863129392,"num_words":17,"start":395.455,"end":406.81},{"sentences":[{"text":"Oh, yes.","start":407.91,"end":409.37,"sentiment":"neutral","sentiment_score":0.11907889135181904},{"text":"Coming very heavy right now.","start":409.75,"end":411.45,"sentiment":"neutral","sentiment_score":0.012521684542298317},{"text":"Oh, perfect.","start":414.07,"end":414.79,"sentiment":"neutral","sentiment_score":0.2221818044781685},{"text":"And still working, like, full time with them?","start":414.79,"end":417.05002,"sentiment":"neutral","sentiment_score":0.09801879897713661},{"text":"Okay.","start":418.225,"end":418.545,"sentiment":"neutral","sentiment_score":0.07922199368476868}],"sentiment":"neutral","sentiment_score":0.08936123332629602,"num_words":18,"start":407.91,"end":418.545},{"sentences":[{"text":"Perfect.","start":418.545,"end":419.045,"sentiment":"neutral","sentiment_score":0.14332175254821777},{"text":"And income, you said about a 110?","start":419.345,"end":422.165,"sentiment":"neutral","sentiment_score":0.026706790950681483},{"text":"Yep.","start":423.665,"end":424.065,"sentiment":"neutral","sentiment_score":0.040489934384822845},{"text":"And they pay the standard 12% employer contribution into super as well?","start":424.065,"end":428.80502,"sentiment":"neutral","sentiment_score":0.0496851340867579},{"text":"Yeah.","start":429.84,"end":430.24,"sentiment":"neutral","sentiment_score":0.08689934015274048}],"sentiment":"neutral","sentiment_score":0.04790364421734756,"num_words":22,"start":418.545,"end":430.24},{"sentences":[{"text":"Perfect.","start":430.24,"end":430.74,"sentiment":"neutral","sentiment_score":0.15038257837295532},{"text":"And what do you do with your casual job?","start":430.8,"end":432.97998,"sentiment":"neutral","sentiment_score":0.047618979381190404},{"text":"Yep.","start":442.975,"end":443.475,"sentiment":"neutral","sentiment_score":0.08658339828252792},{"text":"Yep.","start":446.975,"end":447.475,"sentiment":"neutral","sentiment_score":0.06779975444078445},{"text":"Alright.","start":447.695,"end":448.195,"sentiment":"neutral","sentiment_score":0.0639810860157013}],"sentiment":"neutral","sentiment_score":0.06133212550328328,"num_words":13,"start":430.24,"end":448.195},{"sentences":[{"text":"Yeah.","start":450.015,"end":450.415,"sentiment":"neutral","sentiment_score":0.09957003593444824},{"text":"That makes a difference.","start":450.415,"end":451.475,"sentiment":"neutral","sentiment_score":0.10362993739545345},{"text":"And you said income is about 15,000?","start":451.855,"end":456.45,"sentiment":"neutral","sentiment_score":0.024111742419855937},{"text":"Yeah.","start":461.23,"end":461.73,"sentiment":"neutral","sentiment_score":-0.031751327216625214},{"text":"Okay.","start":463.38998,"end":463.88998,"sentiment":"neutral","sentiment_score":-0.015146231278777122}],"sentiment":"neutral","sentiment_score":0.04542674456856081,"num_words":14,"start":450.015,"end":463.88998},{"sentences":[{"text":"Yeah.","start":468.605,"end":469.005,"sentiment":"neutral","sentiment_score":-0.007530163042247295},{"text":"Casual.","start":469.005,"end":469.505,"sentiment":"neutral","sentiment_score":-0.020330453291535378},{"text":"Even, like, yeah, a bit of a rough rough ride.","start":475.64502,"end":478.445,"sentiment":"neutral","sentiment_score":-0.19272931143641472},{"text":"Are you happy for me to okay.","start":478.445,"end":483.02,"sentiment":"neutral","sentiment_score":0.04935232390250478},{"text":"Perfect.","start":483.02,"end":483.52,"sentiment":"positive","sentiment_score":0.5216386318206787}],"sentiment":"neutral","sentiment_score":-0.054402441577985884,"num_words":20,"start":468.605,"end":483.52},{"sentences":[{"text":"And are you happy for me to go through some of the other bits where you find that, or would you like me to just kind of wait?","start":485.82,"end":490.88,"sentiment":"neutral","sentiment_score":0.14932291835014308},{"text":"Yes.","start":491.74,"end":492.24,"sentiment":"neutral","sentiment_score":-0.004129093140363693},{"text":"After tax.","start":492.525,"end":497.665,"sentiment":"neutral","sentiment_score":0.02660758513957262},{"text":"Perfect.","start":498.60498,"end":499.10498,"sentiment":"neutral","sentiment_score":0.27449536323547363},{"text":"And you get the 12% contribution there as 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assets, I have here your main property was last died at about 750,000.","start":513.82,"end":520.455,"sentiment":"neutral","sentiment_score":-0.05646938872006205},{"text":"Yep.","start":522.755,"end":523.075,"sentiment":"neutral","sentiment_score":0.04357639700174332},{"text":"Perfect.","start":523.075,"end":523.575,"sentiment":"neutral","sentiment_score":0.10222545266151428},{"text":"And mortgage about 156,000.","start":523.635,"end":526.77496,"sentiment":"neutral","sentiment_score":0.030971130821853876},{"text":"Yep.","start":531.89,"end":532.39,"sentiment":"neutral","sentiment_score":0.05471976846456528}],"sentiment":"neutral","sentiment_score":-0.027681714221835137,"num_words":25,"start":513.82,"end":532.39},{"sentences":[{"text":"Perfect.","start":532.77,"end":533.27,"sentiment":"neutral","sentiment_score":0.15645760297775269},{"text":"I have investment property about 400,000.","start":533.33,"end":536.63,"sentiment":"neutral","sentiment_score":0.06693734973669052},{"text":"Yeah.","start":540.29,"end":540.79,"sentiment":"neutral","sentiment_score":0.02112184464931488},{"text":"Oh, nice.","start":546.78503,"end":547.525,"sentiment":"positive","sentiment_score":0.34611544013023376},{"text":"Yeah.","start":547.905,"end":548.385,"sentiment":"neutral","sentiment_score":0.22070515155792236}],"sentiment":"neutral","sentiment_score":0.13564905253323642,"num_words":11,"start":532.77,"end":548.385},{"sentences":[{"text":"Beautiful.","start":548.385,"end":548.885,"sentiment":"neutral","sentiment_score":0.3194476068019867},{"text":"So 600, and I have mortgage about $3.95.","start":549.745,"end":554.005,"sentiment":"neutral","sentiment_score":0.0758603485301137},{"text":"About right?","start":556.88,"end":557.44,"sentiment":"neutral","sentiment_score":0.05229983106255531},{"text":"Perfect.","start":557.44,"end":557.94,"sentiment":"neutral","sentiment_score":0.140985906124115},{"text":"Motor vehicle, about 35,000.","start":559.27997,"end":561.38,"sentiment":"neutral","sentiment_score":0.04554898291826248}],"sentiment":"neutral","sentiment_score":0.08463199343532324,"num_words":16,"start":548.385,"end":561.38},{"sentences":[{"text":"Yep.","start":563.36,"end":563.86,"sentiment":"neutral","sentiment_score":0.03988385200500488},{"text":"Nothing owing on that one.","start":563.92,"end":565.38,"sentiment":"neutral","sentiment_score":-0.004282470233738423},{"text":"Yep.","start":566.31995,"end":566.63995,"sentiment":"neutral","sentiment_score":0.06091048941016197},{"text":"Perfect.","start":566.63995,"end":567.13995,"sentiment":"neutral","sentiment_score":0.16097664833068848},{"text":"And then I have a credit card of about 8,000.","start":567.19995,"end":570.1,"sentiment":"neutral","sentiment_score":0.0702507320791483}],"sentiment":"neutral","sentiment_score":0.052381442187147007,"num_words":18,"start":563.36,"end":570.1},{"sentences":[{"text":"Yep.","start":572.075,"end":572.555,"sentiment":"neutral","sentiment_score":0.12010305374860764},{"text":"Perfect.","start":572.555,"end":573.055,"sentiment":"neutral","sentiment_score":0.22980636358261108},{"text":"And then cash in the bank, so savings about 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that?","start":588.18,"end":591.56,"sentiment":"neutral","sentiment_score":-0.07150049921539095}],"sentiment":"neutral","sentiment_score":-0.1151360229455999,"num_words":21,"start":582.875,"end":591.56},{"sentences":[{"text":"No.","start":592.82,"end":592.98,"sentiment":"neutral","sentiment_score":-0.04433511942625046},{"text":"Great.","start":592.98,"end":593.48,"sentiment":"neutral","sentiment_score":0.2790759801864624},{"text":"And when it comes to health and lifestyle, have you done here as a non smoker?","start":594.58,"end":598.855,"sentiment":"neutral","sentiment_score":0.07305020128842443},{"text":"Is that still the case?","start":598.855,"end":600.195,"sentiment":"neutral","sentiment_score":0.04769775196909905},{"text":"Perfect.","start":601.375,"end":601.85504,"sentiment":"positive","sentiment_score":0.4159519970417022}],"sentiment":"neutral","sentiment_score":0.08574936826092501,"num_words":24,"start":592.82,"end":601.85504},{"sentences":[{"text":"And have you had any changes to your health in the last twelve months at all?","start":601.85504,"end":605.635,"sentiment":"neutral","sentiment_score":0.06588006706442684},{"text":"No.","start":606.335,"end":606.735,"sentiment":"neutral","sentiment_score":-0.042229656130075455},{"text":"Great.","start":606.735,"end":607.135,"sentiment":"neutral","sentiment_score":0.08625064045190811},{"text":"And do you have private health insurance?","start":607.135,"end":608.835,"sentiment":"neutral","sentiment_score":0.04500770808330604},{"text":"Yep.","start":610.175,"end":610.495,"sentiment":"neutral","sentiment_score":0.04643472656607628}],"sentiment":"neutral","sentiment_score":0.05613810540391849,"num_words":26,"start":601.85504,"end":610.495},{"sentences":[{"text":"And that's hospital as well?","start":610.495,"end":612.115,"sentiment":"neutral","sentiment_score":0.027093417197465896},{"text":"Just basic?","start":616.1,"end":616.83997,"sentiment":"neutral","sentiment_score":0.023681551218032837},{"text":"Okay.","start":616.98,"end":617.22,"sentiment":"neutral","sentiment_score":0.09284455329179764},{"text":"Perfect.","start":617.22,"end":617.72,"sentiment":"neutral","sentiment_score":0.2012716233730316},{"text":"Because with your income as well, just be mindful for the Medicare levy surcharge, which is let me check what is because it keeps changing because I think you'll be just on the edge.","start":617.77997,"end":634.055,"sentiment":"neutral","sentiment_score":-0.05390746513491168}],"sentiment":"neutral","sentiment_score":-0.031532731383692385,"num_words":43,"start":610.495,"end":634.055},{"sentences":[{"text":"So what it is is an additional tax for high income earner.","start":634.055,"end":638.395,"sentiment":"neutral","sentiment_score":-0.046406167559325695},{"text":"And sometimes it's worth looking at, and it is you need hospital for it.","start":641.28,"end":646.34,"sentiment":"neutral","sentiment_score":-0.052337469799177985},{"text":"So it's making sure you have appropriate hospital cover.","start":646.56,"end":649.78,"sentiment":"neutral","sentiment_score":-0.04292288567456934},{"text":"Perfect.","start":652.16003,"end":652.66003,"sentiment":"neutral","sentiment_score":0.08344805240631104},{"text":"That's good.","start":654.805,"end":655.46497,"sentiment":"neutral","sentiment_score":0.1247907392680645}],"sentiment":"neutral","sentiment_score":-0.035338816527081165,"num_words":38,"start":634.055,"end":655.46497},{"sentences":[{"text":"That's fine.","start":658.08496,"end":658.825,"sentiment":"neutral","sentiment_score":0.00559286744100973},{"text":"Perfect.","start":661.125,"end":661.625,"sentiment":"neutral","sentiment_score":0.18119683861732483},{"text":"Okay.","start":661.685,"end":662.08496,"sentiment":"neutral","sentiment_score":0.10223311185836792},{"text":"Cool.","start":662.08496,"end":662.58496,"sentiment":"neutral","sentiment_score":0.1696479469537735},{"text":"Great.","start":664.485,"end":664.985,"sentiment":"neutral","sentiment_score":0.2044064700603485}],"sentiment":"neutral","sentiment_score":0.11144501706197237,"num_words":6,"start":658.08496,"end":664.985},{"sentences":[{"text":"That's fine.","start":666.58,"end":667.32,"sentiment":"neutral","sentiment_score":0.12807729840278625},{"text":"Perfect.","start":667.46,"end":667.96,"sentiment":"neutral","sentiment_score":0.27537235617637634},{"text":"Yeah.","start":668.1,"end":668.5,"sentiment":"neutral","sentiment_score":0.019646449014544487},{"text":"And that's why most people because with the the changes so at the moment, otherwise, if you only were to have extras, so, like, no hospital, then if your income is over 101,000, which it is for your case, you would be liable to pay a a bit of that medical levy surcharge.","start":668.5,"end":689.375,"sentiment":"neutral","sentiment_score":-0.042050849312459525},{"text":"So sometimes it's worth looking at it.","start":691.27496,"end":693.82,"sentiment":"neutral","sentiment_score":-0.034157371414559226}],"sentiment":"neutral","sentiment_score":-0.02994723767915275,"num_words":64,"start":666.58,"end":693.82},{"sentences":[{"text":"Sometimes people are like, oh, I don't see the the the purpose of having it.","start":693.82,"end":696.78,"sentiment":"neutral","sentiment_score":-0.11058336098988851},{"text":"Like, that's fine.","start":696.78,"end":697.58,"sentiment":"neutral","sentiment_score":0.14559041957060495},{"text":"Just look at the math.","start":697.58,"end":698.7,"sentiment":"neutral","sentiment_score":0.08602600693702697},{"text":"Sometimes it works out cheaper for you.","start":698.7,"end":700.96,"sentiment":"neutral","sentiment_score":0.11709375147308622},{"text":"So, yeah, often that's why a lot of people have it as well.","start":702.62,"end":705.58,"sentiment":"neutral","sentiment_score":0.11161528556392743}],"sentiment":"neutral","sentiment_score":0.03439083374863447,"num_words":43,"start":693.82,"end":705.58},{"sentences":[{"text":"It's like, well, if if you pay maybe a tiny bit more, but you have you have the private health than having to pay the extra tax.","start":705.58,"end":712.865,"sentiment":"neutral","sentiment_score":0.06416779577180191},{"text":"So that's good that you have it because you're over the threshold, so that's good.","start":712.865,"end":716.405,"sentiment":"positive","sentiment_score":0.6664410432179769},{"text":"Now when it comes to estate planning wise, do you have a will or power of attorney or anything like that?","start":718.385,"end":724.405,"sentiment":"neutral","sentiment_score":0.06244201594520183},{"text":"Yes.","start":725.69,"end":726.19,"sentiment":"neutral","sentiment_score":0.22543790936470032},{"text":"Amazing.","start":726.25,"end":726.65,"sentiment":"positive","sentiment_score":0.3663361072540283}],"sentiment":"neutral","sentiment_score":0.2097261920857888,"num_words":65,"start":705.58,"end":726.65},{"sentences":[{"text":"Because I know that was on the to do list last time, so that's great.","start":726.65,"end":729.71,"sentiment":"neutral","sentiment_score":0.20297766427199046},{"text":"And when you got the will, do you know if a part of that you made a nomination for power of attorney?","start":731.13,"end":736.03,"sentiment":"neutral","sentiment_score":0.06998724752867763},{"text":"Yes.","start":753.64,"end":754.14,"sentiment":"neutral","sentiment_score":0.0047674477100372314},{"text":"Yeah.","start":754.52,"end":754.92,"sentiment":"neutral","sentiment_score":0.01293716672807932},{"text":"Okay.","start":754.92,"end":755.39996,"sentiment":"neutral","sentiment_score":0.024634601548314095}],"sentiment":"neutral","sentiment_score":0.11566809064242989,"num_words":40,"start":726.65,"end":755.39996},{"sentences":[{"text":"Perfect.","start":755.39996,"end":755.89996,"sentiment":"neutral","sentiment_score":0.13789023458957672},{"text":"And but you didn't have anyone who makes any financial decisions on your behalf or anything like that?","start":756.83997,"end":761.66,"sentiment":"neutral","sentiment_score":-0.027784657716337178},{"text":"Now when it comes through to and your insurances as well, we don't have a nomination at the moment.","start":763.215,"end":771.075,"sentiment":"neutral","sentiment_score":-0.09218153083010723},{"text":"So did you ever receive your hub 24 and your zero beneficiary forms in the post at all?","start":771.375,"end":777.87,"sentiment":"neutral","sentiment_score":-0.040234094485640526},{"text":"Mhmm.","start":780.58997,"end":781.08997,"sentiment":"neutral","sentiment_score":-0.1842855215072632}],"sentiment":"neutral","sentiment_score":-0.05302073530395303,"num_words":57,"start":755.39996,"end":781.08997},{"sentences":[{"text":"That's okay.","start":783.87,"end":784.52997,"sentiment":"neutral","sentiment_score":-0.04999724216759205},{"text":"Would you like us to re yeah.","start":787.79,"end":789.31,"sentiment":"neutral","sentiment_score":-0.032232495823076794},{"text":"Perfect.","start":789.31,"end":789.81,"sentiment":"neutral","sentiment_score":0.1424931436777115},{"text":"Now do you prefer email if you have access to a printer, or do you want yeah.","start":789.87,"end":795.16504,"sentiment":"neutral","sentiment_score":0.06549744220340953},{"text":"Perfect.","start":795.54504,"end":796.04504,"sentiment":"neutral","sentiment_score":0.28934693336486816}],"sentiment":"neutral","sentiment_score":0.04355980855013643,"num_words":28,"start":783.87,"end":796.04504},{"sentences":[{"text":"I will get that emailed.","start":797.22504,"end":799.085,"sentiment":"neutral","sentiment_score":0.1752333849668503},{"text":"I'll get the team to email that to you.","start":799.385,"end":801.80505,"sentiment":"neutral","sentiment_score":0.14778130087587568},{"text":"Yes and no.","start":809.13,"end":809.93,"sentiment":"neutral","sentiment_score":-0.014685376857717833},{"text":"It doesn't have to be a person.","start":809.93,"end":811.39,"sentiment":"neutral","sentiment_score":-0.01942771433719567},{"text":"It depends on how you want to do it.","start":812.33,"end":814.33,"sentiment":"neutral","sentiment_score":0.0009739591429630915}],"sentiment":"neutral","sentiment_score":0.06166406466879628,"num_words":33,"start":797.22504,"end":814.33},{"sentences":[{"text":"So, basically, from superannuation, it is quite strict on who you can nominate directly because of this this act.","start":814.33,"end":821.525,"sentiment":"neutral","sentiment_score":0.0022096555483968635},{"text":"So if you can nominate someone directly, it has to be a spouse, a child, someone who are financial dependent on you or in an interdependency relationship, which essentially is someone who must remain financially dependent on you at the time of your passing.","start":821.525,"end":842.52997,"sentiment":"neutral","sentiment_score":0.008534627373922955},{"text":"You need to have a close personal relationship, living together, and providing financial domestic or personal care support.","start":843.165,"end":850.065,"sentiment":"neutral","sentiment_score":0.012954683043062687},{"text":"And often, a lot of clients, it's like, well, if if I don't have any financial dependence or a partner, who do I nominate?","start":851.165,"end":857.61,"sentiment":"neutral","sentiment_score":-0.01665793312713504},{"text":"Or sometimes I have people who is like, well, I wanna give it to my nephew or niece or my cousin or my friend or my parents.","start":858.25,"end":864.51,"sentiment":"neutral","sentiment_score":0.018230884370428545}],"sentiment":"neutral","sentiment_score":0.005629809375739459,"num_words":132,"start":814.33,"end":864.51},{"sentences":[{"text":"The way to do that would be through your legal personal representative.","start":865.20996,"end":870.26996,"sentiment":"neutral","sentiment_score":0.020831967393557232},{"text":"So, essentially, on the form, you would complete legal personal representative at a 100%.","start":870.64996,"end":877.03503,"sentiment":"neutral","sentiment_score":0.04363788025719779},{"text":"And, basically, what that means is then revert to your will.","start":877.73505,"end":880.935,"sentiment":"neutral","sentiment_score":0.033567355437712235},{"text":"And then in the will, it will be what you want.","start":880.935,"end":883.995,"sentiment":"neutral","sentiment_score":0.03859260949221524},{"text":"Correct.","start":887.99,"end":888.31,"sentiment":"neutral","sentiment_score":0.090317964553833}],"sentiment":"neutral","sentiment_score":0.035612071655234515,"num_words":49,"start":865.20996,"end":888.31},{"sentences":[{"text":"You can 100% do that.","start":888.31,"end":889.58997,"sentiment":"neutral","sentiment_score":0.0628266952931881},{"text":"Sorry.","start":889.58997,"end":889.91,"sentiment":"neutral","sentiment_score":-0.05781121924519539},{"text":"For for the form, you would just complete it as a legal personal representative.","start":889.91,"end":894.32996,"sentiment":"neutral","sentiment_score":0.0126969540225608},{"text":"I can get the team to pre fill that for you if you would like.","start":894.55,"end":897.315,"sentiment":"neutral","sentiment_score":0.07486656631032626},{"text":"Yeah.","start":898.275,"end":898.775,"sentiment":"neutral","sentiment_score":0.2705124020576477}],"sentiment":"neutral","sentiment_score":0.050766403062476054,"num_words":36,"start":888.31,"end":898.775},{"sentences":[{"text":"Perfect.","start":898.995,"end":899.495,"sentiment":"positive","sentiment_score":0.4285184144973755},{"text":"Then that way because your superannuation, it does not feel part of the estate if something were to happen, but you can have completely different people nominated.","start":900.755,"end":910.135,"sentiment":"neutral","sentiment_score":-0.012922372393034122},{"text":"Yeah.","start":911.18,"end":911.68,"sentiment":"neutral","sentiment_score":-0.004066362977027893},{"text":"But this way, doing it through legal personal representative, you're saying, no.","start":912.3,"end":916.46,"sentiment":"neutral","sentiment_score":-0.0588279270256559},{"text":"I want it to go to my will.","start":916.46,"end":917.74,"sentiment":"neutral","sentiment_score":-0.07291762437671423}],"sentiment":"neutral","sentiment_score":-0.024769961681901192,"num_words":49,"start":898.995,"end":917.74},{"sentences":[{"text":"And then, yeah, exactly, in your will, you can then have it whoever you want to.","start":917.74,"end":921.42,"sentiment":"neutral","sentiment_score":-0.018046700861305},{"text":"You could have it in non for profit.","start":921.42,"end":922.54,"sentiment":"neutral","sentiment_score":-0.12152752000838518},{"text":"You could have it wherever you want.","start":922.54,"end":924.08,"sentiment":"positive","sentiment_score":0.38468460951532635},{"text":"So, yeah.","start":925.5,"end":927.735,"sentiment":"neutral","sentiment_score":0.21468572318553925},{"text":"Alright.","start":927.735,"end":928.055,"sentiment":"neutral","sentiment_score":0.2190060317516327}],"sentiment":"neutral","sentiment_score":0.06118242267300101,"num_words":34,"start":917.74,"end":928.055},{"sentences":[{"text":"So we'll do the legal personal representative.","start":928.055,"end":929.915,"sentiment":"neutral","sentiment_score":0.14211116624729975},{"text":"Now there are two different types of nominations as well that you can do, which is you can have a lapsing or a non lapsing option.","start":930.055,"end":938.235,"sentiment":"neutral","sentiment_score":0.10834782248219618},{"text":"So non lapsing means that it stays in place until you decide to change it.","start":938.67,"end":943.41,"sentiment":"neutral","sentiment_score":0.03918488423029582},{"text":"Lapsing means that it expires every three years, and you have to redo it.","start":943.79,"end":947.71,"sentiment":"neutral","sentiment_score":0.02712039982101747},{"text":"What would you prefer?","start":947.71,"end":948.85,"sentiment":"neutral","sentiment_score":0.04324822127819061}],"sentiment":"neutral","sentiment_score":0.07503444385347945,"num_words":66,"start":928.055,"end":948.85},{"sentences":[{"text":"Yeah.","start":950.35,"end":950.805,"sentiment":"neutral","sentiment_score":-0.016746602952480316},{"text":"Yeah.","start":951.925,"end":952.425,"sentiment":"neutral","sentiment_score":-0.0423014760017395},{"text":"Perfect.","start":953.52496,"end":954.02496,"sentiment":"neutral","sentiment_score":0.013743959367275238},{"text":"Yeah.","start":955.285,"end":955.605,"sentiment":"neutral","sentiment_score":0.17444676160812378},{"text":"Especially with the wheel as well.","start":955.605,"end":956.805,"sentiment":"positive","sentiment_score":0.3911748578151067}],"sentiment":"neutral","sentiment_score":0.24761917889118196,"num_words":10,"start":950.35,"end":956.805},{"sentences":[{"text":"It makes it easy because if anything ever changes for you, you can just update the wheel.","start":956.805,"end":960.165,"sentiment":"neutral","sentiment_score":0.31443143942776847},{"text":"You don't have to update this form.","start":960.165,"end":961.865,"sentiment":"neutral","sentiment_score":0.08410658740571567},{"text":"Now the other one is then you can have a binding or nonbinding option.","start":963.205,"end":967.49,"sentiment":"neutral","sentiment_score":0.06064946736608233},{"text":"So binding means that, basically, the trustee, so the super fund and and insurance are bound to follow your wishes.","start":967.55,"end":973.49,"sentiment":"neutral","sentiment_score":0.07047371063381433},{"text":"The nonbinding is where you basically say this is what I would like, but then it's ultimately up to the trustee to decide if they feel that there's someone else that is suited for it.","start":974.27,"end":985.895,"sentiment":"neutral","sentiment_score":0.002797517233661243}],"sentiment":"neutral","sentiment_score":0.08914581119453394,"num_words":93,"start":956.805,"end":985.895},{"sentences":[{"text":"Sorry.","start":986.03503,"end":986.53503,"sentiment":"neutral","sentiment_score":-0.11475734412670135},{"text":"Yeah.","start":987.23505,"end":987.73505,"sentiment":"neutral","sentiment_score":-0.013161199167370796},{"text":"Alright.","start":987.875,"end":988.35504,"sentiment":"neutral","sentiment_score":0.03822522610425949},{"text":"That's where most people decide.","start":988.35504,"end":989.895,"sentiment":"neutral","sentiment_score":0.03887567967176438},{"text":"So I will look at the prefilled for you and get the team to email that out.","start":990.275,"end":996.02997,"sentiment":"neutral","sentiment_score":0.09339393543846466}],"sentiment":"neutral","sentiment_score":0.06769527934491634,"num_words":25,"start":986.03503,"end":996.02997},{"sentences":[{"text":"Now most of the team have left for today, so it might be tomorrow or the following day, if that's okay.","start":996.73,"end":1002.02997,"sentiment":"neutral","sentiment_score":0.06265797164468538},{"text":"Yeah.","start":1002.81,"end":1003.20996,"sentiment":"neutral","sentiment_score":0.12781518697738647},{"text":"Yep.","start":1003.20996,"end":1003.69,"sentiment":"neutral","sentiment_score":0.18764469027519223},{"text":"Great.","start":1003.69,"end":1004.19,"sentiment":"positive","sentiment_score":0.4989432096481323},{"text":"Perfect.","start":1004.33,"end":1004.83,"sentiment":"positive","sentiment_score":0.4354094862937927}],"sentiment":"neutral","sentiment_score":0.10262519910931588,"num_words":25,"start":996.73,"end":1004.83},{"sentences":[{"text":"Otherwise, when it comes to, I guess, like, goals and stuff that you are working towards, I had here that last time I do interview time, your main focus was to pay down the mortgage on your property and the investment property.","start":1006.485,"end":1020.005,"sentiment":"neutral","sentiment_score":0.08583541640213557},{"text":"Is that still kind of the focus for you?","start":1020.005,"end":1022.44,"sentiment":"neutral","sentiment_score":0.04356111420525445},{"text":"Mhmm.","start":1025.38,"end":1025.88,"sentiment":"neutral","sentiment_score":-0.009229689836502075},{"text":"Yeah.","start":1031.0599,"end":1031.5599,"sentiment":"neutral","sentiment_score":0.01500813476741314},{"text":"Yeah.","start":1036.275,"end":1036.675,"sentiment":"neutral","sentiment_score":0.024263616651296616}],"sentiment":"neutral","sentiment_score":0.07457739959850355,"num_words":54,"start":1006.485,"end":1036.675},{"sentences":[{"text":"And from a tax deduction point of view on interest as well.","start":1036.675,"end":1039.7151,"sentiment":"neutral","sentiment_score":0.02888347627595067},{"text":"Yeah.","start":1039.7151,"end":1040.1151,"sentiment":"neutral","sentiment_score":0.16379043459892273},{"text":"Perfect.","start":1040.1151,"end":1040.6151,"sentiment":"positive","sentiment_score":0.49218788743019104},{"text":"And, otherwise, renovate your apartment.","start":1042.9951,"end":1045.62,"sentiment":"neutral","sentiment_score":0.04221128895878792},{"text":"Did you end up doing some renovation, or is that still on the card?","start":1045.6799,"end":1049.22,"sentiment":"neutral","sentiment_score":0.005654657459152597}],"sentiment":"neutral","sentiment_score":0.039175808683715084,"num_words":33,"start":1036.675,"end":1049.22},{"sentences":[{"text":"Mhmm.","start":1053.6,"end":1054.1,"sentiment":"neutral","sentiment_score":-0.11039294302463531},{"text":"Yeah.","start":1061.135,"end":1061.635,"sentiment":"neutral","sentiment_score":-0.003622634336352348},{"text":"Perfect.","start":1061.695,"end":1062.195,"sentiment":"neutral","sentiment_score":0.15300974249839783},{"text":"And, otherwise, I had basically just to kinda go on some holidays every now and then, and I think you had a planned trip to Europe.","start":1062.895,"end":1070.035,"sentiment":"neutral","sentiment_score":0.01813513284119276},{"text":"Did you end up going?","start":1070.415,"end":1071.5549,"sentiment":"neutral","sentiment_score":0.027449198067188263}],"sentiment":"neutral","sentiment_score":0.019051576745422447,"num_words":34,"start":1053.6,"end":1071.5549},{"sentences":[{"text":"Yes.","start":1076.11,"end":1076.61,"sentiment":"neutral","sentiment_score":0.11883321404457092},{"text":"Go ahead.","start":1083.23,"end":1083.97,"sentiment":"neutral","sentiment_score":0.24408859759569168},{"text":"Yeah.","start":1086.835,"end":1087.335,"sentiment":"neutral","sentiment_score":0.09925277531147005},{"text":"Yep.","start":1088.915,"end":1089.415,"sentiment":"neutral","sentiment_score":0.04187561199069023},{"text":"Oh, no.","start":1095.235,"end":1096.0549,"sentiment":"neutral","sentiment_score":0.043107327073812485}],"sentiment":"neutral","sentiment_score":0.1191933500979628,"num_words":7,"start":1076.11,"end":1096.0549},{"sentences":[{"text":"Yeah.","start":1099.73,"end":1100.23,"sentiment":"neutral","sentiment_score":0.24313771724700928},{"text":"Oh, sounds lovely.","start":1107.81,"end":1109.19,"sentiment":"positive","sentiment_score":0.49722116192181903},{"text":"And aside from, obviously, traveling and the mortgage, is there anything else that you are kind of working towards otherwise?","start":1110.935,"end":1117.255,"sentiment":"neutral","sentiment_score":0.03850652957335114},{"text":"Or is that No.","start":1117.255,"end":1118.5651,"sentiment":"neutral","sentiment_score":-0.042505401419475675},{"text":"Yeah.","start":1126.33,"end":1126.83,"sentiment":"neutral","sentiment_score":0.24540209770202637}],"sentiment":"neutral","sentiment_score":0.0889762857415039,"num_words":29,"start":1099.73,"end":1126.83},{"sentences":[{"text":"Yeah.","start":1128.49,"end":1128.99,"sentiment":"neutral","sentiment_score":0.2824726104736328},{"text":"Yeah.","start":1132.8099,"end":1133.13,"sentiment":"neutral","sentiment_score":0.301985502243042},{"text":"It sounds like it's beautiful.","start":1133.13,"end":1134.33,"sentiment":"positive","sentiment_score":0.4404961884021759},{"text":"I used to live down in what was it called?","start":1134.33,"end":1138.875,"sentiment":"neutral","sentiment_score":0.09231711514294147},{"text":"It was near the Royal Women Hospital.","start":1138.875,"end":1140.7351,"sentiment":"neutral","sentiment_score":0.07619571898664747}],"sentiment":"neutral","sentiment_score":0.17681167662764588,"num_words":24,"start":1128.49,"end":1140.7351},{"sentences":[{"text":"Like, near, like, the race courses and stuff like that.","start":1142.7151,"end":1145.615,"sentiment":"neutral","sentiment_score":0.04768959172070027},{"text":"Yeah.","start":1147.1951,"end":1147.6951,"sentiment":"neutral","sentiment_score":0.04728905111551285},{"text":"Yes.","start":1148.3151,"end":1148.795,"sentiment":"neutral","sentiment_score":0.12119804322719574},{"text":"And it was transportation is great in Melbourne.","start":1148.795,"end":1151.535,"sentiment":"positive","sentiment_score":0.44635682739317417},{"text":"It was so good.","start":1151.94,"end":1153.1599,"sentiment":"positive","sentiment_score":0.344157837331295}],"sentiment":"neutral","sentiment_score":0.2330362075008452,"num_words":24,"start":1142.7151,"end":1153.1599},{"sentences":[{"text":"And then you got yeah.","start":1153.7,"end":1158.2,"sentiment":"neutral","sentiment_score":0.07571841701865197},{"text":"Yeah.","start":1159.22,"end":1159.72,"sentiment":"neutral","sentiment_score":0.16666807234287262},{"text":"Yeah.","start":1162.4199,"end":1162.9199,"sentiment":"positive","sentiment_score":0.4806207716464996},{"text":"Yeah.","start":1165.475,"end":1165.635,"sentiment":"positive","sentiment_score":0.37194615602493286},{"text":"Oh, that's good.","start":1165.635,"end":1166.775,"sentiment":"positive","sentiment_score":0.5324634909629822}],"sentiment":"neutral","sentiment_score":0.2722925052724101,"num_words":11,"start":1153.7,"end":1166.775},{"sentences":[{"text":"Now the next thing I do wanna run over with you there, James, is just a bit of an updated risk profile questionnaire.","start":1168.0349,"end":1173.015,"sentiment":"neutral","sentiment_score":0.09581570440660352},{"text":"And that is just to see if we need to make any changes to your risk profile in your super.","start":1173.715,"end":1179.255,"sentiment":"neutral","sentiment_score":0.06051174774765968},{"text":"So when it comes through time frames, are you still kind of planning on accessing a super at 65, or when do you think you'd want to look to retire?","start":1180.5,"end":1191.0801,"sentiment":"neutral","sentiment_score":0.001416597841307521},{"text":"Mhmm.","start":1198.105,"end":1198.265,"sentiment":"neutral","sentiment_score":0.017334718257188797},{"text":"Because, yeah, it's 67 is potential age pension if you're eligible for that.","start":1198.265,"end":1203.565,"sentiment":"neutral","sentiment_score":0.02757796344275658}],"sentiment":"neutral","sentiment_score":0.044049911891463504,"num_words":87,"start":1168.0349,"end":1203.565},{"sentences":[{"text":"Otherwise, you if you retire, like, if you stop working, you can access your super tax rate at 60.","start":1204.265,"end":1209.48,"sentiment":"neutral","sentiment_score":0.008690840613685157},{"text":"At 60.","start":1210.4199,"end":1212.36,"sentiment":"neutral","sentiment_score":-0.012392569798976183},{"text":"Six zero.","start":1213.38,"end":1214.2,"sentiment":"neutral","sentiment_score":-0.0037632514722645283},{"text":"Yes.","start":1214.58,"end":1214.98,"sentiment":"neutral","sentiment_score":0.01830510050058365},{"text":"If you stop working.","start":1214.98,"end":1218.04,"sentiment":"neutral","sentiment_score":-0.008067224407568574}],"sentiment":"neutral","sentiment_score":0.004244661856708782,"num_words":28,"start":1204.265,"end":1218.04},{"sentences":[{"text":"Yep.","start":1218.18,"end":1218.68,"sentiment":"neutral","sentiment_score":0.025139328092336655},{"text":"And then yeah.","start":1220.145,"end":1220.865,"sentiment":"neutral","sentiment_score":0.03477609530091286},{"text":"Because often as well, if we have people between, like, 60 and 65, if you want to reduce your hours, do you wanna work through a little bit from super, there's different strategies that we can look at to to utilize that.","start":1220.865,"end":1231.905,"sentiment":"neutral","sentiment_score":0.055702866143768744},{"text":"But, otherwise, I'll leave it around 65 as a benchmark for you.","start":1231.905,"end":1237.06,"sentiment":"neutral","sentiment_score":0.11709617761274178},{"text":"And do you think a weekly income of around 1,500 per week is still kind of the goal for you?","start":1237.76,"end":1244.64,"sentiment":"neutral","sentiment_score":0.11031039208173751}],"sentiment":"neutral","sentiment_score":0.0779532046797566,"num_words":78,"start":1218.18,"end":1244.64},{"sentences":[{"text":"Would that cover your expenses and stuff like that?","start":1244.64,"end":1247.6201,"sentiment":"neutral","sentiment_score":-0.0055782995704147555},{"text":"Mhmm.","start":1257.935,"end":1258.415,"sentiment":"neutral","sentiment_score":-0.027777014300227165},{"text":"Mhmm.","start":1258.415,"end":1258.915,"sentiment":"neutral","sentiment_score":0.012019257061183453},{"text":"Yeah.","start":1260.8301,"end":1261.3301,"sentiment":"neutral","sentiment_score":0.1457543671131134},{"text":"Perfect.","start":1261.4701,"end":1261.9701,"sentiment":"positive","sentiment_score":0.5820257067680359}],"sentiment":"neutral","sentiment_score":0.05090904773141329,"num_words":13,"start":1244.64,"end":1261.9701},{"sentences":[{"text":"Now have you ever bought direct shares yourself, by the way?","start":1263.7101,"end":1267.41,"sentiment":"neutral","sentiment_score":0.12963432615453546},{"text":"Nope.","start":1268.11,"end":1268.61,"sentiment":"neutral","sentiment_score":-0.06796450912952423},{"text":"And when it comes to how much risk you are willing to take for your superannuation, so would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and keep up with, you know, the rising prices and expenses and everything and grow your suit Yep.","start":1270.1901,"end":1308.325,"sentiment":"neutral","sentiment_score":-0.015276937224602296},{"text":"Okay.","start":1314.88,"end":1315.0399,"sentiment":"neutral","sentiment_score":0.1378220021724701},{"text":"Stay with a bit more.","start":1315.0399,"end":1320.22,"sentiment":"neutral","sentiment_score":0.11819342821836472}],"sentiment":"neutral","sentiment_score":0.015395622410170444,"num_words":77,"start":1263.7101,"end":1320.22},{"sentences":[{"text":"Yeah.","start":1320.96,"end":1321.46,"sentiment":"neutral","sentiment_score":0.024876652285456657},{"text":"Somewhere in the middle.","start":1321.76,"end":1323.0399,"sentiment":"neutral","sentiment_score":0.02479408634826541},{"text":"Alright.","start":1323.0399,"end":1323.52,"sentiment":"neutral","sentiment_score":0.21663081645965576},{"text":"Perfect.","start":1323.52,"end":1324.02,"sentiment":"positive","sentiment_score":0.3513125777244568},{"text":"Moderate.","start":1326.605,"end":1327.105,"sentiment":"neutral","sentiment_score":0.24372732639312744}],"sentiment":"neutral","sentiment_score":0.11696546478196979,"num_words":8,"start":1320.96,"end":1327.105},{"sentences":[{"text":"Now when it comes to volatility as well, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":1329.085,"end":1348.6599,"sentiment":"neutral","sentiment_score":-0.09690522747114301},{"text":"Would you say that you would want to take advantage of the dropping prices by thinking that now is a good time to invest a little bit more.","start":1349.52,"end":1359.015,"sentiment":"neutral","sentiment_score":0.013223595784178801},{"text":"Would you just kind of be a bit more neutral, hold and wait to see what happens, or would you want to shift to a more secure asset so that means you're out in selling when the prices have dropped?","start":1359.955,"end":1370.49,"sentiment":"neutral","sentiment_score":-0.01452216599136591},{"text":"No.","start":1378.65,"end":1379.15,"sentiment":"neutral","sentiment_score":-0.12854284048080444},{"text":"Just write it up.","start":1386.665,"end":1387.545,"sentiment":"neutral","sentiment_score":0.035633260384202003}],"sentiment":"neutral","sentiment_score":-0.03604287482732165,"num_words":113,"start":1329.085,"end":1387.545},{"sentences":[{"text":"Yep.","start":1387.545,"end":1388.025,"sentiment":"neutral","sentiment_score":0.12498774379491806},{"text":"Perfect.","start":1388.025,"end":1388.525,"sentiment":"neutral","sentiment_score":0.27503323554992676},{"text":"And next one is in regards to fluctuations.","start":1391.145,"end":1393.965,"sentiment":"neutral","sentiment_score":0.02733746008016169},{"text":"So, obviously, in the last twelve months, we have seen quite a bit of fluctuations in the market.","start":1395.69,"end":1399.79,"sentiment":"neutral","sentiment_score":-0.0033394696397913825},{"text":"We first had, obviously, Trump and everything in The US causing a bit of fluctuations, and then, obviously, more recently, the war and everything like that have seen a bit of a shift in the market.","start":1400.01,"end":1411.195,"sentiment":"neutral","sentiment_score":-0.06388064061239776}],"sentiment":"neutral","sentiment_score":-0.027204575868381653,"num_words":64,"start":1387.545,"end":1411.195},{"sentences":[{"text":"So if it was something that you noticed with your superannuation or any of your other assets really, would you say that you would feel optimistic about potential future investment opportunities or a bit more kind of neutral with not making further investments or concerned or highly anxious?","start":1411.195,"end":1431.44,"sentiment":"neutral","sentiment_score":0.11274528581028183},{"text":"Neutral?","start":1434.38,"end":1434.88,"sentiment":"neutral","sentiment_score":0.11360344290733336},{"text":"Yep.","start":1435.5,"end":1435.8999,"sentiment":"neutral","sentiment_score":0.2067362517118454},{"text":"Okay.","start":1435.8999,"end":1436.38,"sentiment":"neutral","sentiment_score":0.1998547464609146},{"text":"Perfect.","start":1436.38,"end":1436.88,"sentiment":"positive","sentiment_score":0.4402011632919311}],"sentiment":"neutral","sentiment_score":0.12254171775510678,"num_words":52,"start":1411.195,"end":1436.88},{"sentences":[{"text":"Yeah.","start":1439.225,"end":1439.725,"sentiment":"neutral","sentiment_score":0.24913427233695984},{"text":"And would you ever consider taking out a loan to invest in stocks or funds?","start":1440.9049,"end":1446.525,"sentiment":"neutral","sentiment_score":0.07305784523487091},{"text":"Probably not.","start":1449.64,"end":1450.2,"sentiment":"neutral","sentiment_score":-0.06402522698044777},{"text":"No.","start":1450.2,"end":1450.6799,"sentiment":"neutral","sentiment_score":0.036221183836460114},{"text":"Perfect.","start":1450.6799,"end":1451.1799,"sentiment":"neutral","sentiment_score":0.17530667781829834}],"sentiment":"neutral","sentiment_score":0.07142396792769432,"num_words":20,"start":1439.225,"end":1451.1799},{"sentences":[{"text":"Now that tells me here that, James, that you have come out as a growth investor.","start":1452.36,"end":1456.86,"sentiment":"neutral","sentiment_score":0.13137914706021547},{"text":"And having a bit of a look at your account, we do currently have you in a high growth portfolio.","start":1457.88,"end":1462.78,"sentiment":"neutral","sentiment_score":0.0733883123844862},{"text":"So do you know the difference between those two at all?","start":1464.9249,"end":1468.065,"sentiment":"neutral","sentiment_score":-0.005405273627151142},{"text":"No.","start":1470.365,"end":1470.865,"sentiment":"neutral","sentiment_score":-0.14758150279521942},{"text":"Correct.","start":1477.66,"end":1478.16,"sentiment":"neutral","sentiment_score":0.0065184421837329865}],"sentiment":"neutral","sentiment_score":0.06876145979883719,"num_words":49,"start":1452.36,"end":1478.16},{"sentences":[{"text":"Yes.","start":1478.22,"end":1478.72,"sentiment":"neutral","sentiment_score":0.01979898102581501},{"text":"Now just for your reference, like, they're both similar in you, obviously, trying to maximize growth as much as possible while you do have the time.","start":1480.7,"end":1488.095,"sentiment":"neutral","sentiment_score":0.10035961364897397},{"text":"But you are also prepared to experience, you know, some higher levels of fluctuation in order to achieve that growth.","start":1488.715,"end":1495.535,"sentiment":"neutral","sentiment_score":0.02124487776309252},{"text":"Now the difference between them is that in a high growth, which is how you are currently invested, we typically see 90% invested in what we would call your growth investment.","start":1495.675,"end":1506.81,"sentiment":"neutral","sentiment_score":0.09946334109671655},{"text":"So that will be things like Australian shares, international shares, as well as property and commodities.","start":1507.43,"end":1513.13,"sentiment":"neutral","sentiment_score":0.17632751166820526}],"sentiment":"neutral","sentiment_score":0.09530478991330305,"num_words":94,"start":1478.22,"end":1513.13},{"sentences":[{"text":"And that is what's going to kind of maximize the return on for you.","start":1514.325,"end":1517.785,"sentiment":"neutral","sentiment_score":0.31273692526987623},{"text":"And then about 10% in defensive.","start":1518.405,"end":1521.145,"sentiment":"neutral","sentiment_score":0.12994635726014772},{"text":"So that will be, like, your cash, your gold, your fixed interest.","start":1521.605,"end":1524.905,"sentiment":"neutral","sentiment_score":0.11074729077517986},{"text":"Limit fluctuates a little bit.","start":1524.965,"end":1526.91,"sentiment":"neutral","sentiment_score":0.026759803667664527},{"text":"Now a growth portfolio is about an eighty twenty split, so it's about a 10% difference.","start":1527.55,"end":1534.13,"sentiment":"neutral","sentiment_score":0.10393622610718012}],"sentiment":"neutral","sentiment_score":0.15629700420178333,"num_words":53,"start":1514.325,"end":1534.13},{"sentences":[{"text":"Now when we are looking at a high growth as well, so making sure you have enough time in the market for those fluctuations, we wanna allow at least eight years until retirement.","start":1536.1901,"end":1547.115,"sentiment":"neutral","sentiment_score":0.11308511538487492},{"text":"Whereas a growth portfolio, we have about six.","start":1547.6549,"end":1550.7949,"sentiment":"neutral","sentiment_score":0.0604547425173223},{"text":"So from that, what would you feel you align with a bit more?","start":1551.735,"end":1557.6699,"sentiment":"neutral","sentiment_score":0.13660651789261744},{"text":"Would you like to look at potentially reducing your risk a little bit and see what that would look like, or or how do you feel at the moment?","start":1557.6699,"end":1565.61,"sentiment":"neutral","sentiment_score":0.11643450450280617},{"text":"Yeah.","start":1572.4851,"end":1572.805,"sentiment":"neutral","sentiment_score":0.02422991953790188}],"sentiment":"neutral","sentiment_score":0.11181145274479475,"num_words":84,"start":1536.1901,"end":1572.805},{"sentences":[{"text":"You're okay with high growth?","start":1572.805,"end":1574.265,"sentiment":"neutral","sentiment_score":0.09510476440191269},{"text":"Yeah.","start":1574.5651,"end":1575.0651,"sentiment":"neutral","sentiment_score":0.10619352757930756},{"text":"Okay.","start":1575.925,"end":1576.405,"sentiment":"neutral","sentiment_score":0.17394457757472992},{"text":"Yeah.","start":1576.405,"end":1576.7251,"sentiment":"neutral","sentiment_score":0.23127210140228271},{"text":"We can definitely leave that now.","start":1576.7251,"end":1578.165,"sentiment":"neutral","sentiment_score":0.2971023345987002}],"sentiment":"neutral","sentiment_score":0.19782485972557748,"num_words":14,"start":1572.805,"end":1578.165},{"sentences":[{"text":"If at any point in time that changes and you wanna revisit it, just let me know.","start":1578.165,"end":1582.35,"sentiment":"neutral","sentiment_score":0.1387981579584234},{"text":"It doesn't have to be a review time.","start":1582.35,"end":1584.1901,"sentiment":"neutral","sentiment_score":0.034316989593207836},{"text":"If at any point during the time you go, you know what?","start":1584.1901,"end":1586.99,"sentiment":"neutral","sentiment_score":0.018039542250335217},{"text":"I do wanna look at changing it.","start":1586.99,"end":1588.35,"sentiment":"neutral","sentiment_score":0.06582576515419143},{"text":"We can always do the research and have a look at it for you.","start":1588.35,"end":1591.49,"sentiment":"neutral","sentiment_score":0.10894695562975747}],"sentiment":"neutral","sentiment_score":0.0833899455851522,"num_words":58,"start":1578.165,"end":1591.49},{"sentences":[{"text":"Because moving it to growth, you will have a little bit less fluctuation, but long term, you could have less growth as well.","start":1592.27,"end":1600.605,"sentiment":"neutral","sentiment_score":-0.0855232546834842},{"text":"Yep.","start":1601.865,"end":1602.365,"sentiment":"neutral","sentiment_score":0.10973557829856873},{"text":"Alright.","start":1602.6649,"end":1603.065,"sentiment":"neutral","sentiment_score":0.20057591795921328},{"text":"Perfect.","start":1603.065,"end":1603.565,"sentiment":"neutral","sentiment_score":0.3131456971168518},{"text":"Now do you have access to your emails at the moment?","start":1604.585,"end":1607.485,"sentiment":"neutral","sentiment_score":0.11868540265343407}],"sentiment":"neutral","sentiment_score":-0.0010280604096683296,"num_words":37,"start":1592.27,"end":1607.485},{"sentences":[{"text":"Oh, yeah?","start":1608.1849,"end":1608.745,"sentiment":"neutral","sentiment_score":0.07458623126149178},{"text":"Okay.","start":1608.745,"end":1609.1449,"sentiment":"neutral","sentiment_score":0.15541529655456543},{"text":"Perfect.","start":1609.1449,"end":1609.625,"sentiment":"neutral","sentiment_score":0.2588821053504944},{"text":"So what I have done is I have to send you an email with some documents to run through quickly.","start":1609.625,"end":1615.08,"sentiment":"neutral","sentiment_score":0.1545312687754631},{"text":"If you could get that up for me.","start":1615.62,"end":1617.4,"sentiment":"neutral","sentiment_score":0.11978665459901094}],"sentiment":"neutral","sentiment_score":0.14413713989779353,"num_words":32,"start":1608.1849,"end":1617.4},{"sentences":[{"text":"And we have recently changed.","start":1628.995,"end":1631.735,"sentiment":"neutral","sentiment_score":-0.025601895153522493},{"text":"You have it hasn't come through yet?","start":1631.795,"end":1633.335,"sentiment":"neutral","sentiment_score":-0.06154832456793104},{"text":"Yes.","start":1639.01,"end":1639.51,"sentiment":"neutral","sentiment_score":-0.06075077876448631},{"text":"Because it should be by now.","start":1641.97,"end":1643.97,"sentiment":"neutral","sentiment_score":-0.11416809385021527},{"text":"Because, also, we have recently changed the software.","start":1643.97,"end":1646.39,"sentiment":"neutral","sentiment_score":-0.11068323999643326}],"sentiment":"neutral","sentiment_score":-0.08111381516964347,"num_words":27,"start":1628.995,"end":1646.39},{"sentences":[{"text":"So it could be if it's if it's the first time we've sent it through this software that it might not recognize it and put it automatically as a BIN.","start":1646.93,"end":1656.145,"sentiment":"neutral","sentiment_score":-0.16339627876877785},{"text":"I have a look.","start":1662.0599,"end":1663.1,"sentiment":"neutral","sentiment_score":0.10227533802390099},{"text":"It should have been within the last twenty seven minutes.","start":1663.1,"end":1669.04,"sentiment":"neutral","sentiment_score":0.11095284447073936},{"text":"I'll have a look and see here.","start":1673.755,"end":1675.295,"sentiment":"neutral","sentiment_score":0.053648031183651516},{"text":"It says online it's been done, but I'll just try to resend it and save that.","start":1680.395,"end":1684.89,"sentiment":"neutral","sentiment_score":0.021075620083138347}],"sentiment":"neutral","sentiment_score":-0.0398583944275308,"num_words":67,"start":1646.93,"end":1684.89},{"sentences":[{"text":"Yeah.","start":1687.29,"end":1687.61,"sentiment":"neutral","sentiment_score":0.036681920289993286},{"text":"Let me have a look here.","start":1687.61,"end":1689.23,"sentiment":"neutral","sentiment_score":0.03290611940125624},{"text":"Jdipnol@officenet.com.au?","start":1702.745,"end":1706.2051,"sentiment":"neutral","sentiment_score":0.02275334671139717},{"text":"Alright.","start":1708.025,"end":1708.425,"sentiment":"neutral","sentiment_score":0.17296144366264343},{"text":"I'll just try to resend it and see how that works.","start":1708.425,"end":1712.53,"sentiment":"neutral","sentiment_score":0.12070376087318767}],"sentiment":"neutral","sentiment_score":0.08787873983383179,"num_words":20,"start":1687.29,"end":1712.53},{"sentences":[{"text":"Samsung's technology at the end of the day as well is not now I've just resend it, so we'll see how we go.","start":1713.87,"end":1722.77,"sentiment":"neutral","sentiment_score":-0.03577519374211197},{"text":"Are you happy for me to kind of run through some of the documents?","start":1723.205,"end":1726.725,"sentiment":"neutral","sentiment_score":0.08393796293863229},{"text":"I'll leave the the more technical ones too.","start":1726.725,"end":1730.565,"sentiment":"neutral","sentiment_score":0.03447769721969962},{"text":"Hopefully, you can see them.","start":1730.565,"end":1732.105,"sentiment":"neutral","sentiment_score":0.06683828011155128},{"text":"But when you do get it, then just let me know.","start":1732.565,"end":1734.885,"sentiment":"neutral","sentiment_score":0.08172601732340726}],"sentiment":"neutral","sentiment_score":0.030513134326969015,"num_words":61,"start":1713.87,"end":1734.885},{"sentences":[{"text":"Just kind of keep refreshing and text them and let me know if it's just a consent.","start":1734.885,"end":1739.24,"sentiment":"neutral","sentiment_score":0.07090126525829821},{"text":"But oh, perfect.","start":1739.24,"end":1745.6599,"sentiment":"neutral","sentiment_score":0.20028257307906946},{"text":"Oh, that's good.","start":1745.88,"end":1746.7799,"sentiment":"positive","sentiment_score":0.3947406808535258},{"text":"Now before you click on the link where it says sign now, at the bottom of that email, can you see a couple of attachments?","start":1748.9199,"end":1757.375,"sentiment":"neutral","sentiment_score":0.08226998329162598},{"text":"Yep.","start":1757.675,"end":1758.175,"sentiment":"neutral","sentiment_score":0.10903390496969224}],"sentiment":"neutral","sentiment_score":0.10522805629488156,"num_words":49,"start":1734.885,"end":1758.175},{"sentences":[{"text":"Perfect.","start":1758.395,"end":1758.895,"sentiment":"neutral","sentiment_score":0.25384145975112915},{"text":"Now if you wanna open the 2025 Vanguard index chart for me first, And just let me know when you can see that one.","start":1759.595,"end":1767.8501,"sentiment":"neutral","sentiment_score":0.0485205853668352},{"text":"Okay?","start":1767.8501,"end":1768.3501,"sentiment":"neutral","sentiment_score":0.04758874326944351},{"text":"Yep.","start":1774.25,"end":1774.73,"sentiment":"neutral","sentiment_score":0.1515972912311554},{"text":"Perfect.","start":1774.73,"end":1775.23,"sentiment":"neutral","sentiment_score":0.2929200530052185}],"sentiment":"neutral","sentiment_score":0.06823005700217825,"num_words":28,"start":1758.395,"end":1775.23},{"sentences":[{"text":"Now you probably have seen this one last time.","start":1775.8501,"end":1778.5901,"sentiment":"neutral","sentiment_score":0.09867659128374523},{"text":"Every year, Vanguard does up updated.","start":1779.13,"end":1781.405,"sentiment":"neutral","sentiment_score":0.11811841775973637},{"text":"So you can see here now it's been updated from 1995 through 2025.","start":1782.1051,"end":1786.925,"sentiment":"neutral","sentiment_score":0.11686715426353309},{"text":"It is just a good visual representation of what we are talking about when we're talking about the market.","start":1787.385,"end":1792.525,"sentiment":"neutral","sentiment_score":0.25492339424396815},{"text":"Basically, you can see here that over the long term, the market always goes up.","start":1793.2101,"end":1797.47,"sentiment":"neutral","sentiment_score":0.12512122790018718}],"sentiment":"neutral","sentiment_score":0.15865218939800416,"num_words":62,"start":1775.8501,"end":1797.47},{"sentences":[{"text":"The short term, there will be some ups and downs and market fluctuations.","start":1797.6901,"end":1801.39,"sentiment":"neutral","sentiment_score":-0.1483374318251243},{"text":"And that's why those time frames come in handy as well just to kind of measure things.","start":1802.01,"end":1806.995,"sentiment":"neutral","sentiment_score":-0.0024780524785027783},{"text":"But just for your reference, what that high growth means is that 90% in your top four.","start":1806.995,"end":1812.755,"sentiment":"neutral","sentiment_score":0.0846881145501838},{"text":"So you can see that these are the ones that grow the most, but also fluctuate the most.","start":1812.755,"end":1817.815,"sentiment":"neutral","sentiment_score":0.10635398887097836},{"text":"And then 10% in the bottom three.","start":1818.8999,"end":1821.24,"sentiment":"neutral","sentiment_score":0.023907540099961416}],"sentiment":"neutral","sentiment_score":0.02154040308151808,"num_words":72,"start":1797.6901,"end":1821.24},{"sentences":[{"text":"Yep.","start":1822.2599,"end":1822.7599,"sentiment":"neutral","sentiment_score":0.1368601620197296},{"text":"That all makes sense?","start":1822.82,"end":1823.96,"sentiment":"neutral","sentiment_score":0.1879003643989563},{"text":"Yep.","start":1825.1399,"end":1825.5399,"sentiment":"neutral","sentiment_score":0.24470093846321103},{"text":"Perfect.","start":1825.5399,"end":1826.0399,"sentiment":"positive","sentiment_score":0.610171377658844},{"text":"Now the next one there is that you'll have a '24 performance report.","start":1827.1399,"end":1832.1799,"sentiment":"neutral","sentiment_score":0.2266465689127262}],"sentiment":"neutral","sentiment_score":0.2344869665801525,"num_words":20,"start":1822.2599,"end":1832.1799},{"sentences":[{"text":"Is that the one that you can see?","start":1832.1799,"end":1833.8799,"sentiment":"neutral","sentiment_score":0.11540937423706055},{"text":"Yes.","start":1842.4451,"end":1842.9451,"sentiment":"neutral","sentiment_score":0.1144481971859932},{"text":"Yes, please.","start":1843.085,"end":1843.885,"sentiment":"neutral","sentiment_score":0.106673963367939},{"text":"Yep.","start":1843.885,"end":1844.125,"sentiment":"neutral","sentiment_score":0.09595535695552826},{"text":"If you can open that one for me.","start":1844.125,"end":1846.145,"sentiment":"neutral","sentiment_score":0.07365221530199051}],"sentiment":"neutral","sentiment_score":0.09681220985949039,"num_words":20,"start":1832.1799,"end":1846.145},{"sentences":[{"text":"Now this one here might usually looks a little bit more messier, but it is you're showing a breakdown of your portfolio.","start":1847.48,"end":1855.18,"sentiment":"neutral","sentiment_score":-0.09580707042054697},{"text":"So like we kind of touched on the last twelve months, the markets have been a little bit kind of uneven.","start":1855.4,"end":1861.8201,"sentiment":"neutral","sentiment_score":-0.29106969563733964},{"text":"A small group of companies and mainly kind of, like, The US and stuff have driven a lot of the headlines, and some other areas haven't really kept up with the same extent.","start":1862.6449,"end":1870.9049,"sentiment":"neutral","sentiment_score":-0.12784063499985318},{"text":"Looking at your portfolio, though, over the last twelve months, and this is all net of fees, it's kind of performing as we've expected.","start":1872.1649,"end":1879.0901,"sentiment":"neutral","sentiment_score":0.27905488821367425},{"text":"So it's still positive, which is good, but it's about 5.54% after fees, which in when we're looking at your actual investments, it's still pretty good considering what's happened in the market.","start":1879.15,"end":1893.3301,"sentiment":"neutral","sentiment_score":0.22075132350437343}],"sentiment":"neutral","sentiment_score":0.010018178459369776,"num_words":132,"start":1847.48,"end":1893.3301},{"sentences":[{"text":"Now some areas have done really well.","start":1895.4451,"end":1898.3251,"sentiment":"positive","sentiment_score":0.3464372030326298},{"text":"It's that The US exposure, have done really well as well, as well as some of their valuation, allocation in Australia.","start":1898.3251,"end":1907.7051,"sentiment":"neutral","sentiment_score":0.24675778051217398},{"text":"But at the same time, we have seen some other areas being a little bit weaker, which is often also how will we design your portfolio because you wanna make sure you have it diversified.","start":1908.65,"end":1918.11,"sentiment":"neutral","sentiment_score":-0.04448893921715873},{"text":"So if there are certain areas that is you're more cyclical or, you know, we wanna make sure that if some areas are performing really well, we then kind of balance that out a little bit as well.","start":1918.25,"end":1928.8049,"sentiment":"neutral","sentiment_score":0.0766990396047109},{"text":"So some of the kind of special areas have underperformed a little bit, and that the one that I do wanna talk to you about is potentially changing, is one of the investments.","start":1929.745,"end":1939.8099,"sentiment":"neutral","sentiment_score":0.232523242632548}],"sentiment":"neutral","sentiment_score":0.12416187650176572,"num_words":134,"start":1895.4451,"end":1939.8099},{"sentences":[{"text":"So most of the other investments are still keeping up with, the market trends and and everything like that, so not too concerned about it.","start":1939.8099,"end":1947.09,"sentiment":"neutral","sentiment_score":0.20994890719652176},{"text":"But there is one investment that I would like to do a little bit more research and look to swapping out for you if you are comfortable with that.","start":1947.09,"end":1953.935,"sentiment":"neutral","sentiment_score":0.2268168525449161},{"text":"And that is your Benelon Australian equity fund.","start":1954.235,"end":1958.335,"sentiment":"neutral","sentiment_score":0.12723881658166647},{"text":"So that one here, when it was added to your portfolio yeah.","start":1958.475,"end":1963.22,"sentiment":"neutral","sentiment_score":0.05112605867907405},{"text":"So that one is underperforming a little bit at the moment.","start":1963.22,"end":1966.02,"sentiment":"neutral","sentiment_score":-0.1391381479122422}],"sentiment":"neutral","sentiment_score":0.14032135309980195,"num_words":85,"start":1939.8099,"end":1966.02},{"sentences":[{"text":"And sometimes as well, if you see, for example, like, cybersecurity, which is down a little bit at the moment, we do foresee that one kind of coming back around, and there's obviously a lot of opportunities in that space.","start":1966.02,"end":1976.775,"sentiment":"neutral","sentiment_score":0.02432058546692133},{"text":"So from a cyclical point of view, he's not too concerned about that, and it's kind of expected.","start":1976.855,"end":1981.655,"sentiment":"neutral","sentiment_score":0.04891621693968773},{"text":"But with the Benelon one, we've done a lot of research on the investments.","start":1981.655,"end":1986.155,"sentiment":"neutral","sentiment_score":0.2538068816065788},{"text":"And when it was added to your portfolio, it was performing really strongly, and they were one of the best performing fund managers.","start":1986.6951,"end":1993.91,"sentiment":"positive","sentiment_score":0.40556903248247894},{"text":"That's not to say that that's always going to be the case, which is why the annual reviews are so important.","start":1994.45,"end":1998.87,"sentiment":"neutral","sentiment_score":-0.010857666044362954}],"sentiment":"neutral","sentiment_score":0.12505765884697181,"num_words":116,"start":1966.02,"end":1998.87},{"sentences":[{"text":"And we've been along they've been a little bit slower in making the investment choices at the moment.","start":1999.25,"end":2004.15,"sentiment":"neutral","sentiment_score":-0.18348684948351648},{"text":"And one of the investments that they actually had in their portfolio was the corporate travel group.","start":2005.475,"end":2011.075,"sentiment":"neutral","sentiment_score":-0.031426116276313275},{"text":"I'm not sure if you've read or heard anything about it, but that company had a bit of issues with that reporting, which actually caused them to be suspended from trading.","start":2011.075,"end":2019.6549,"sentiment":"neutral","sentiment_score":-0.17893446260882961},{"text":"So that kind of caused, yeah, caused a bit of a bit of a dip in it.","start":2019.78,"end":2023.72,"sentiment":"neutral","sentiment_score":-0.19956237910424962},{"text":"So even though, yeah, even though it wasn't them, they were just one of the companies that they had.","start":2024.26,"end":2029.38,"sentiment":"neutral","sentiment_score":-0.13557041514860957}],"sentiment":"neutral","sentiment_score":-0.15051347000853105,"num_words":102,"start":1999.25,"end":2029.38},{"sentences":[{"text":"It obviously had its impact.","start":2029.38,"end":2030.76,"sentiment":"neutral","sentiment_score":-0.08529124259948731},{"text":"So we've done a lot of research, and we feel like there's a lot of better options out there that we can block the phen along for you.","start":2030.98,"end":2036.875,"sentiment":"neutral","sentiment_score":0.05822335941983121},{"text":"So if you are happy for me to do that, I would like to do a bit more research and see which one we wanna potentially swap it out for you and making sure we always have you in the best position as possible.","start":2036.875,"end":2048.175,"sentiment":"neutral","sentiment_score":0.23552087508141994},{"text":"And I do wanna factor in as well if there's any, you know, tax consequences and fees and returns.","start":2049.1401,"end":2055.08,"sentiment":"neutral","sentiment_score":0.0685048185681042},{"text":"So what I will do is I will do some research and put put it together in a bit of a proposal for you.","start":2055.22,"end":2060.98,"sentiment":"neutral","sentiment_score":0.11214164302994807}],"sentiment":"neutral","sentiment_score":0.12966422783210874,"num_words":120,"start":2029.38,"end":2060.98},{"sentences":[{"text":"I will run through the changes, and then you can let me know what you think.","start":2060.98,"end":2065.055,"sentiment":"neutral","sentiment_score":0.11547539988532662},{"text":"So it will take me about a week and a half roughly to put that all together.","start":2066.475,"end":2071.935,"sentiment":"neutral","sentiment_score":0.0678842424908105},{"text":"So when is usually a best time for you to go through that?","start":2072.235,"end":2077.055,"sentiment":"neutral","sentiment_score":0.04371101065323903},{"text":"Yep.","start":2081.1301,"end":2081.6301,"sentiment":"neutral","sentiment_score":0.03254497051239014},{"text":"As late as possible.","start":2083.05,"end":2084.11,"sentiment":"neutral","sentiment_score":-0.04070473602041602}],"sentiment":"neutral","sentiment_score":0.06744328794964388,"num_words":51,"start":2060.98,"end":2084.11},{"sentences":[{"text":"Yeah.","start":2085.05,"end":2085.55,"sentiment":"neutral","sentiment_score":-0.07737503200769424},{"text":"Yep.","start":2091.545,"end":2092.045,"sentiment":"neutral","sentiment_score":-0.23152971267700195},{"text":"That's okay.","start":2092.825,"end":2093.645,"sentiment":"neutral","sentiment_score":-0.10105020925402641},{"text":"That's okay.","start":2096.025,"end":2096.825,"sentiment":"neutral","sentiment_score":-0.03597855567932129},{"text":"Because all my afternoons, I fully booked next week anyway.","start":2096.825,"end":2099.4849,"sentiment":"neutral","sentiment_score":-0.05919653251767158}],"sentiment":"neutral","sentiment_score":-0.07343297498300672,"num_words":16,"start":2085.05,"end":2099.4849},{"sentences":[{"text":"It's usually the ones that go the fast.","start":2099.785,"end":2101.9648,"sentiment":"positive","sentiment_score":0.3375202380120754},{"text":"So let me see here.","start":2102.8599,"end":2104.22,"sentiment":"neutral","sentiment_score":0.06937740296125412},{"text":"I could probably do I could do 05:00 on Wednesday, the twentieth.","start":2104.22,"end":2114.8,"sentiment":"neutral","sentiment_score":0.0788138173520565},{"text":"Would that work?","start":2115.5452,"end":2116.445,"sentiment":"neutral","sentiment_score":0.08711036791404088},{"text":"It would be fairly it'll be quicker than today because there wouldn't be too many changes.","start":2120.5852,"end":2125.625,"sentiment":"neutral","sentiment_score":0.13993627484887838}],"sentiment":"neutral","sentiment_score":0.1475710506466302,"num_words":44,"start":2099.785,"end":2125.625},{"sentences":[{"text":"So it usually can be done in maybe fifteen minutes or so.","start":2125.625,"end":2129.9702,"sentiment":"neutral","sentiment_score":0.11034785583615303},{"text":"Yeah.","start":2131.31,"end":2131.81,"sentiment":"neutral","sentiment_score":0.19218915700912476},{"text":"Would that work?","start":2132.03,"end":2132.9302,"sentiment":"neutral","sentiment_score":0.09918339550495148},{"text":"Okay.","start":2133.79,"end":2134.29,"sentiment":"neutral","sentiment_score":0.016474295407533646},{"text":"Otherwise, I could do Tuesday the nineteenth at five again if that will be better.","start":2134.35,"end":2138.4502,"sentiment":"neutral","sentiment_score":-0.015009708888828754}],"sentiment":"neutral","sentiment_score":0.050163821113528684,"num_words":32,"start":2125.625,"end":2138.4502},{"sentences":[{"text":"It's better?","start":2139.7102,"end":2140.53,"sentiment":"neutral","sentiment_score":0.07133534550666809},{"text":"Yep.","start":2141.105,"end":2141.505,"sentiment":"neutral","sentiment_score":0.11829425394535063},{"text":"Alright.","start":2141.505,"end":2141.905,"sentiment":"neutral","sentiment_score":0.16124162077903748},{"text":"So I'll book that in.","start":2141.905,"end":2143.505,"sentiment":"neutral","sentiment_score":0.1503585547208786},{"text":"Now if anything does change and you can't make it, let me know, and I'll see if I can get it reshuffled for you.","start":2143.505,"end":2151.605,"sentiment":"neutral","sentiment_score":0.021184145317723353}],"sentiment":"neutral","sentiment_score":0.05098238869598418,"num_words":33,"start":2139.7102,"end":2151.605},{"sentences":[{"text":"Would would you like a reminder text sent, like, two hours before in case something comes up for you?","start":2152.385,"end":2157.95,"sentiment":"neutral","sentiment_score":0.08321640601283625},{"text":"No.","start":2159.7698,"end":2160.0098,"sentiment":"neutral","sentiment_score":-0.004488644190132618},{"text":"That's okay.","start":2160.0098,"end":2160.75,"sentiment":"neutral","sentiment_score":0.06529659032821655},{"text":"Yep.","start":2160.97,"end":2161.47,"sentiment":"neutral","sentiment_score":0.1287444829940796},{"text":"Alright.","start":2161.6099,"end":2162.1099,"sentiment":"positive","sentiment_score":0.34418201446533203}],"sentiment":"neutral","sentiment_score":0.09083928117373337,"num_words":24,"start":2152.385,"end":2162.1099},{"sentences":[{"text":"So that is Wednesday, May 20 at 5PM, and I'll give you usually, if you do have access to your emails, it is good because I will actually send it to you.","start":2162.3298,"end":2174.595,"sentiment":"neutral","sentiment_score":0.1859643638599664},{"text":"It should go through similar to today.","start":2174.595,"end":2176.295,"sentiment":"neutral","sentiment_score":0.13173988248620713},{"text":"If you can't, it it should be fairly straightforward.","start":2176.995,"end":2179.495,"sentiment":"neutral","sentiment_score":0.14409886383348042},{"text":"Otherwise, that is all booked in.","start":2179.795,"end":2181.735,"sentiment":"neutral","sentiment_score":0.30988412722945213},{"text":"Now almost finished for today, but, basically, the other reports you will see there, James, if you see a super insurance summary.","start":2182.28,"end":2190.7,"sentiment":"neutral","sentiment_score":0.09048286063427274}],"sentiment":"neutral","sentiment_score":0.15815600385203174,"num_words":76,"start":2162.3298,"end":2190.7},{"sentences":[{"text":"Can you see that one?","start":2190.76,"end":2191.98,"sentiment":"neutral","sentiment_score":0.042388012260198595},{"text":"Yep.","start":2193.48,"end":2193.96,"sentiment":"neutral","sentiment_score":0.17634080350399017},{"text":"Perfect.","start":2193.96,"end":2194.46,"sentiment":"positive","sentiment_score":0.35128504037857056},{"text":"Now that one here gives you a bit of a breakdown of your super insurances at the moment.","start":2195.095,"end":2199.5151,"sentiment":"neutral","sentiment_score":0.13670499705606037},{"text":"So you have your superannuation with twenty four, and you do have about 430,900 in them, and that you also have your insurances with Zurich.","start":2199.655,"end":2210.8699,"sentiment":"neutral","sentiment_score":0.08401547238230705}],"sentiment":"neutral","sentiment_score":0.10601285323500634,"num_words":50,"start":2190.76,"end":2210.8699},{"sentences":[{"text":"So for your life and PPD, you have $654,604, all paid from within superannuation.","start":2211.33,"end":2221.1848,"sentiment":"neutral","sentiment_score":0.11106245113270623},{"text":"So you do get a 15% tax rebate, and total premium is 4,309.","start":2221.645,"end":2228.4648,"sentiment":"neutral","sentiment_score":0.16283717923439467},{"text":"Now are you still happy with the level of cover and everything like that that you have with your insurances?","start":2229.005,"end":2233.9849,"sentiment":"neutral","sentiment_score":0.17398462286219002},{"text":"Yep.","start":2234.2048,"end":2234.605,"sentiment":"neutral","sentiment_score":0.025231031700968742},{"text":"Perfect.","start":2234.605,"end":2235.105,"sentiment":"positive","sentiment_score":0.702751874923706}],"sentiment":"neutral","sentiment_score":0.16080475530149985,"num_words":49,"start":2211.33,"end":2235.105},{"sentences":[{"text":"And I can see that you don't have that income protection or through my insurance.","start":2236.07,"end":2239.75,"sentiment":"neutral","sentiment_score":0.09954085499048233},{"text":"Are you still comfortable with that?","start":2239.75,"end":2241.45,"sentiment":"neutral","sentiment_score":-0.07317880603174369},{"text":"Yep.","start":2241.91,"end":2242.3901,"sentiment":"neutral","sentiment_score":0.2906647324562073},{"text":"Great.","start":2242.3901,"end":2242.8901,"sentiment":"positive","sentiment_score":0.6286119818687439},{"text":"And now I won't get you to open it, but you will see as well.","start":2244.23,"end":2247.27,"sentiment":"neutral","sentiment_score":0.20395742853482565}],"sentiment":"neutral","sentiment_score":0.1324388981845818,"num_words":38,"start":2236.07,"end":2247.27},{"sentences":[{"text":"I'll let you have a read over that in your own time that in your emails, you will have a 08 c o c.","start":2247.27,"end":2253.1948,"sentiment":"neutral","sentiment_score":0.18583722102145353},{"text":"That's just a certificate of currency for your insurances.","start":2253.1948,"end":2255.855,"sentiment":"neutral","sentiment_score":0.18298735055658552},{"text":"So it basically breaks down your insurances in a bit more detail, but let's, you know, that's all paid and after that.","start":2255.915,"end":2262.4949,"sentiment":"neutral","sentiment_score":0.11259761486541141},{"text":"Yep.","start":2263.77,"end":2264.27,"sentiment":"neutral","sentiment_score":0.08856143057346344},{"text":"And then the the last two, you will have an OQ financial services guide version four and then an OQ services guide version one.","start":2264.49,"end":2272.4302,"sentiment":"neutral","sentiment_score":0.06608604065453012}],"sentiment":"neutral","sentiment_score":0.1282344174105674,"num_words":80,"start":2247.27,"end":2272.4302},{"sentences":[{"text":"But you would have seen this one before.","start":2272.57,"end":2274.33,"sentiment":"neutral","sentiment_score":0.019237775239162147},{"text":"It's one of those compliance documents we we'll give you every year.","start":2274.33,"end":2278.225,"sentiment":"neutral","sentiment_score":0.08602168969810009},{"text":"We've had a bit of a change to marketing.","start":2278.2852,"end":2280.625,"sentiment":"neutral","sentiment_score":-0.05206183571782377},{"text":"None of the important information has changed, but as you do go and have a look at it, you will see we've had had some new photos and everything done, so a bit of revamping marketing and a bit of an extension to the team as well, which which you can see in there.","start":2281.085,"end":2295.36,"sentiment":"neutral","sentiment_score":0.09974510622797189},{"text":"If you do go and have a look at it, you'll also see myself in there if you do wanna put a face to the voice.","start":2295.36,"end":2301.3,"sentiment":"neutral","sentiment_score":0.1032600007378138}],"sentiment":"neutral","sentiment_score":0.08062937350755711,"num_words":109,"start":2272.57,"end":2301.3},{"sentences":[{"text":"Yeah.","start":2303.775,"end":2304.275,"sentiment":"neutral","sentiment_score":0.032801322638988495},{"text":"Yep.","start":2305.4548,"end":2305.9548,"sentiment":"neutral","sentiment_score":0.09406249970197678},{"text":"Now, otherwise, if you are happy to do so, if you wanna press where it says sign now, it will ask you to sign through document.","start":2308.9749,"end":2318.275,"sentiment":"neutral","sentiment_score":0.07283557965778388},{"text":"Now one will be your ongoing service agreement, which is just to say that you are happy to stay on as a client.","start":2320.01,"end":2328.11,"sentiment":"neutral","sentiment_score":0.3072809784308724},{"text":"Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from.","start":2328.81,"end":2336.9949,"sentiment":"neutral","sentiment_score":0.08593197353184223}],"sentiment":"neutral","sentiment_score":0.15220691363366556,"num_words":71,"start":2303.775,"end":2336.9949},{"sentences":[{"text":"No changes in regards to that, and it is not a lock in contract.","start":2337.935,"end":2341.6948,"sentiment":"neutral","sentiment_score":-0.02751822131020682},{"text":"So if at any point in time you are not happy, it is not a lock in contract, but this just lets us service your account and everything in the meantime.","start":2341.6948,"end":2349.6902,"sentiment":"neutral","sentiment_score":-0.05491557440930797},{"text":"Yep.","start":2350.9502,"end":2351.4502,"sentiment":"neutral","sentiment_score":0.0966649204492569},{"text":"And then the last one we should ask you to add a signature is a tax file number opt in form, which is just a compliance form as well just to say that we are keeping your tax phone number if you're on file.","start":2351.59,"end":2366.465,"sentiment":"neutral","sentiment_score":0.1000133262608539},{"text":"And then once you've added both the signatures, if you're happy to do so, it should say validate, and then I think it will send it back to me.","start":2366.685,"end":2376.145,"sentiment":"neutral","sentiment_score":0.07517383459570079}],"sentiment":"neutral","sentiment_score":0.0385685258333673,"num_words":119,"start":2337.935,"end":2376.145},{"sentences":[{"text":"And I think sometimes they even ask you to draw it as well, which is funny.","start":2392.015,"end":2396.355,"sentiment":"neutral","sentiment_score":0.01897202420514077},{"text":"Perfect.","start":2398.255,"end":2398.755,"sentiment":"positive","sentiment_score":0.4889517724514008},{"text":"Yep.","start":2409.57,"end":2410.07,"sentiment":"neutral","sentiment_score":0.11838454008102416},{"text":"And then I'll just refresh that, and it should send through to me.","start":2410.53,"end":2414.39,"sentiment":"neutral","sentiment_score":0.13140162195150668},{"text":"Usually, it's pretty instant.","start":2415.375,"end":2416.675,"sentiment":"neutral","sentiment_score":0.14557040482759476}],"sentiment":"neutral","sentiment_score":0.09146832584270409,"num_words":35,"start":2392.015,"end":2416.675},{"sentences":[{"text":"No.","start":2420.165,"end":2420.415,"sentiment":"neutral","sentiment_score":-0.027833949774503708},{"text":"That's okay.","start":2420.415,"end":2421.155,"sentiment":"neutral","sentiment_score":0.05250351503491402},{"text":"Yep.","start":2427.47,"end":2427.8699,"sentiment":"neutral","sentiment_score":0.11853434145450592},{"text":"So if if it is that you wanna download a copy, it should all be saved on your account there for you that you can download it.","start":2427.8699,"end":2433.65,"sentiment":"neutral","sentiment_score":0.11158335595219224},{"text":"If not, we always have a copy on file.","start":2434.19,"end":2436.1099,"sentiment":"neutral","sentiment_score":0.04308436045216189}],"sentiment":"neutral","sentiment_score":0.08990543191321194,"num_words":40,"start":2420.165,"end":2436.1099},{"sentences":[{"text":"So if it's ever that you you wanted, it's all here on file for you.","start":2436.1099,"end":2440.9849,"sentiment":"neutral","sentiment_score":0.10245391254623731},{"text":"And I can see on my end that that has come through, which is great.","start":2441.365,"end":2444.885,"sentiment":"positive","sentiment_score":0.4110088566939036},{"text":"So I will get the team to get that sorted.","start":2444.885,"end":2447.625,"sentiment":"neutral","sentiment_score":0.18790057748556138},{"text":"I will also let the team know to email those beneficiary forms for you and prefill them for you.","start":2448.325,"end":2453.4648,"sentiment":"neutral","sentiment_score":0.1935225874185562},{"text":"Because you are making a legal nomination, they just have to be printed and but signed a witness.","start":2454.1401,"end":2458.8,"sentiment":"neutral","sentiment_score":0.10691702034738329}],"sentiment":"neutral","sentiment_score":0.19717380312549604,"num_words":77,"start":2436.1099,"end":2458.8},{"sentences":[{"text":"Then you can send it back, and we'll get that sorted for you.","start":2459.74,"end":2463.36,"sentiment":"neutral","sentiment_score":0.21049493322005638},{"text":"Otherwise, I do have you booked in on Wednesday, May 20 at 5PM, yep, to go through that research.","start":2464.22,"end":2470.6648,"sentiment":"neutral","sentiment_score":0.17656543890112325},{"text":"But do you have any other questions or need anything else from me otherwise today, James, before I let you go and enjoy your afternoon?","start":2470.6648,"end":2476.845,"sentiment":"neutral","sentiment_score":0.09442869946360588},{"text":"No?","start":2478.4248,"end":2478.9048,"sentiment":"neutral","sentiment_score":-0.005522705614566803},{"text":"Alright.","start":2478.9048,"end":2479.305,"sentiment":"neutral","sentiment_score":0.2141895741224289}],"sentiment":"neutral","sentiment_score":0.14678918349288278,"num_words":59,"start":2459.74,"end":2479.305},{"sentences":[{"text":"Perfect.","start":2479.305,"end":2479.785,"sentiment":"positive","sentiment_score":0.5409714579582214},{"text":"Well, I will let you go.","start":2479.785,"end":2480.825,"sentiment":"positive","sentiment_score":0.4979844093322754},{"text":"Thank you so much for your time and patience today, and I look forward to speaking with you on the twentieth.","start":2480.825,"end":2485.439,"sentiment":"positive","sentiment_score":0.6592136919498444},{"text":"Mhmm.","start":2487.499,"end":2487.659,"sentiment":"neutral","sentiment_score":0.17125408351421356},{"text":"No worries.","start":2487.659,"end":2488.219,"sentiment":"neutral","sentiment_score":0.21755750477313995}],"sentiment":"positive","sentiment_score":0.5799591786438419,"num_words":31,"start":2479.305,"end":2488.219},{"sentences":[{"text":"You too.","start":2488.219,"end":2488.8591,"sentiment":"positive","sentiment_score":0.3520001322031021},{"text":"Bye.","start":2488.8591,"end":2489.3591,"sentiment":"neutral","sentiment_score":0.24027477204799652},{"text":"Bye.","start":2489.819,"end":2490.319,"sentiment":"neutral","sentiment_score":-0.1188889667391777}],"sentiment":"neutral","sentiment_score":0.20634651742875576,"num_words":4,"start":2488.219,"end":2490.319}]}}]},{"alternatives":[{"transcript":"Hello? James speaking. I'm very well. Thanks. And you? Yeah. Sure. I'm just in the middle of making a coffee. Just bear with me if there's some gurgling noises in the in the background. But yeah. That's been a just in a normal day at work. That's all all going pretty well. So and, you know, got away a little bit early so I could get home and take your call. So yeah. All good. Sure. Yep. That's fine. Yep. It's James David Dittel. Date of birth is the 1971, and the address is 1701 Of 33 City Road in the Southbank. Right. I'm probably okay with just an update. I did I did a review with the people that look after my rental property, and there was a suggestion that it might be worth investigating buying property against the super or or potentially moving to a self managed model, which I'm less interested in because I don't I don't have the knowledge. That's that's what your job is, I guess. So I I guess maybe sort of a little bit of information about about either of those two options. Yep. Yep. Yeah. Okay. No. No. Yep. Yes. Yep. Yeah. Yeah. Okay. Yeah. No. No. That's that's sort of what I assumed. I just again, it was just it came up as a as a potential, and I think I'm probably happy just to sit tight for a little bit longer at this stage without worrying too much about investigating that. Yeah. Okay. All good. Yep. Right. Yeah. That sounds rather more complicated than I really wanna buy into at this stage. But yeah. Yep. Mhmm. Yep. Right. Right. Right. Yeah. Okay. Yeah. Yeah. Yeah. That makes sense. Okay. Yep. Yeah. I see. Yeah. Yeah. Yeah. Okay. Okay. Cool. Yeah. Yeah. Yeah. Yep. Sure. Yep. That's correct. Yep. Yep. Yes. Yes. Yep. I believe so. I will just quickly double check that. I don't think there's any change, but just bear with me. Yeah. No. 956. Yeah. That's right. It certainly has yeah. Yeah. So yes. Yeah. So I I mean, I just the the wage is around about the same. It's still about a 110 or so. Maybe a little bit well, I the main job is a 110. I have a casual job that, I think, last year, it contributed about, I don't know, 15,000 or maybe not quite that much, which is just like a second casual job. But, yeah, I've just I've just changed my employer. So yes. Yeah. Absolutely in the same yeah. The same thing. Yep. Is Melbourne Recital Center? Six weeks ago, March 23. I'm loving it. It's a six minute walk from where I live rather than a half hour half hour drive. So that's given me a fair back of fair bit of time and no petrol costs at a time when that's a good thing. Yeah. So no. It's going it's going very well. Thank you. Yes. Yeah. Absolutely. Yep. 110. Yeah. They do. That's also in venue management. It's running a small sort of community youth theater. I do, I guess, between one to three shifts a week on average. You know, just it's just three or four hours in the evening. It's, you know, just a couple $100 extra. Look. I'm not a 100% sure on that. Let me see if I can find that during the conversation. But, yeah, it's I mean, it just it's highly variable because it's based on what shows are on in in in that venue. And but let me see what I can find out while I'm talking to you. Yeah. I'll do I'll just see if I can find out what what last year was maybe. Yeah. Sure. Actually, I can tell you now. I'm sorry. Actually, it was only well, after tax, it was 4,300 last year. So yes. No. No. No. Yep. That sounds alright. What are we on there? Yes. Yep. Yeah. I think it's probably actually worth a fair bit more than that now. It's been a fairly big rise. It's you can probably put it up to about well, I think about 6, actually. It's gone up quite a lot. Yes. That's still about right. Yep. Yep. Yes. Mhmm. No. Yep. That's about right. That's dropped down to 40 now because that was to buy the car. No. No. No. Nothing's changed. No. No. That's correct. No. No. I do. Yes. I think it's actually just basic at this stage. Right. Oh, okay. Mhmm. Mhmm. Sorry. I'm totally lying. It's Simple Hospital with with like, it's a basic it's a sorry. It's just I I always go for the absolute lowest, but, no, why would I do hospital without hospital? It's it is of course, it is hospital. Yes. I'm I've just found found the information online. Simple hospital, but it's a basic plan. So yeah. Yeah. Yep. Yep. Ah, okay. Yes. I see. Yep. I see. Yes. Yep. Yeah. Yeah. Of course. Yeah. Exactly. Yeah. Yeah. Yep. Yep. Yep. Absolutely. I do have a will in place now. Yeah. Yes. It was. I don't think there's a formal nomination. I mean, Penelope is listed as, you know, the the not the beneficiary, but we you know, the person who's responsible for it. So yeah. No. No. You know what? I feel as though I did, and I've done absolutely nothing about that. Yes. Yes. I might not be able to dig that out. Yeah. You you might need to resend it, please. Yes, please. Email would be so much easier. Yes, please. So so with that with that, like, it's I have to nominate a person, do I? Like, an individual person? Right. Yeah. Yep. Yep. Alright. Right. Mhmm. Yeah. Yes. Right. Yes. So so I could it would be I could do Penelope in that she's the executor of my will. I could do that. Yeah. Yep. That'd be great. Yeah. Thank you. Yep. Right. Yes. Oh, I see. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. I see. Yep. Yeah. Okay. Yeah. That's certainly what I would what I would prefer. Yes. Absolutely. Mhmm. Yep. Okay. Yeah. Look. A non lapsing would be fine. I don't see anything, you know, changing unless I want to change it, basically. Yeah. Yes. Yeah. Correct. Mhmm. Like a binding. Yeah. It would be a binding. Yeah. Of course. Right. Yeah. Yeah. Yeah. Yeah. That's fine. Yeah. Mhmm. Yeah. Well, the the focus is my own property. The the investment property is you know, there's no plans to pay that off. It's just to set and forget and then, you know, sell it in ten, fifteen years' time or whatever. And yeah. Yeah. Yeah. Look. It's it's I mean, I've done a little bit of work. I've had carpets ripped up and floorboards put down, but, again, nothing that needs massive work at this stage. No. Yeah. Yeah. Yes. If we spoke in May, yes, I did go. That was actually the kicker for getting the wheel done is that I I literally got it signed signed off, I don't know, about twenty four hours before I got on the plane. So I had a lovely trip there. Look, this year, no internationals that I've I've I have had and we'll be having a few interstate trips just to Adelaide and Sydney and Brisbane, which is nice. Next year, yes, there's a big Europe trip at the end of the year and potentially another sneaky one in the middle of the year as well. Mhmm. No. I I don't think so at this stage. You know, again, with the new job, it's everything's going well here. I I love my apartment. I live sort of in right in the city, and it's all if it's it's all about sort of the lifestyle that that all facilitates. K. Oh, okay. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Out that way. Yeah. Yeah. So the Flemington area. Yeah. Yeah. Yep. Yes. That's enough little pocket. Yeah. I mean, I I barely use transport. I mean, I I just walk everywhere. It's a walk to work. It's a walk to, you know, the theaters and the shows that I go and see and everything else that I do. So it's, you know, it's a great mix now. So yep. Mhmm. Look. At at this stage, yeah, it's just the standard retirement age, whatever it is. 65, 67, I would say. Yeah. At sorry. At 65, just to say. Sixty. Okay. Look. I think I probably got a few more years than me than that. But yeah. Yeah. Yep. That seems if I if I had the place paid off, then that probably seems more than I would necessarily need, but let's go with that as a ballpark. No. No. Yeah. I think I think I sort of moved from sort of the safe to the moderate last time or maybe the review before, And I I think I'm probably happy to stick with that. I'm certainly not a high risk person. But yeah. So I'm happy to to just sort of play, you know, play a little bit of the game, but but also make sure I've got a a level of of, you know, security there. Mhmm. Oh, gosh. Yeah. I I look. I I don't know. I I think I I think, you know, I I I know that it's a long term thing. I think I'd probably be happy just to wait it out. Yeah. Yeah. Yeah. Yeah. Yep. Mhmm. I think it's probably neutral to optimistic. Yeah. Because probably it's on the slightly more positive side of neutral, if that makes sense. I probably would not know. Yep. Mhmm. Okay. Not the specifics. No. So so, basically, like, my previous answers were that I might be a bit more open to risk. Is that what you're saying? Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Okay. Yeah. I see. Yep. Mhmm. Okay. Look. I mean, yeah, I think I'm I'm okay with with sitting where where it is at this at this stage. Yeah. I think so. Yeah. Yeah. Mhmm. Yep. Yeah. Yeah. Exactly. Yeah. Yeah. Yeah. Yeah. Absolutely. Mhmm. Yep. It come through yet. Not yet. That's fine. I'll just I've got a fairly dodgy spam filter. I'm just gonna log on and just see whether it's been being trapped in. Okay. Yeah. Nothing's yeah. Nothing's come through yet. Just let me keep looking. Just wanna just check the email address as well, please. Yep. That's fine. Yep. Yeah. That's fine. Of course. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Mhmm. Yep. Yeah. Yeah. Yep. Oh, hang on. I think it's just arrived. There it is. Yep. Got it. Thank you. Thanks for calling. Mhmm. Yep. It's loaded up. Documents and volume. Yep. Mhmm. Mhmm. Yep. Yes. Correct. Mhmm. Yeah. Mhmm. Of course. Yeah. Mhmm. Yep. Mhmm. '24 have 24 performance with IIIs. Is that right? Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Okay. Mhmm. Mhmm. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Yep. Yep. Yeah. Sure. Yep. Oh, I see. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yeah. Yeah. Okay. Yep. Alright. Okay. Yep. Yep. A bit of a hiccup? Mhmm. Yep. Yep. Sure. Absolutely. Yeah. Yep. Yep. Yep. Yep. Yeah. Okay. That's good. Yep. Look. I I'd really prefer it sort of as late in the day as possible so that I can, you know, it's it's not eating into the workday. I can tell you that next week is not a good week. I've got stuff on every evening, so there's not really any time next week. So we'd have to push it into the into the week after if we could. Great. Good. Good. Good. Yeah. Yeah. How long would the appointment be, do you think? Yep. Yep. Oh, fine. Yeah. Yeah. Yeah. That that would be fine. That's yeah. The twentieth. 05:00 on the twentieth. Yeah. No. The the twentieth is is actually good if if we were able to do five. Yeah. Yep. Yep. Yep. That should be fine. No. That's fine. I'll I've popped it in the diary. That's okay. Yeah. Good. Thank you. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. That's good. Yes. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yeah. I think so. Yep. Yeah. Yeah. Mhmm. Okay. Yes. Yep. Yep. I see that. Mhmm. Yep. Yep. Yep. Correct. Yep. I will do that straight away. Where are you? There you are. Okay. Got you. Yeah. Okay. Yeah. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yeah. Yeah. Yeah. Okay. Yep. Yeah. I'm just going into that. Yeah. Just go ahead and just do the signature. Yeah. No. I've got an an upload that I can can do fairly quickly. That is all done. Validate. Yep. Yep. Yep. Yep. Validate and send. Yep. It's still just loading at this end. Okay. That's that has done, and I've done my little signed copy of it. Yeah. Of course. Yeah. Yep. Right. Yep. Yep. Twenty to the twentieth. Great. No. All good. Thank you very much. Thank you, Veronica. Excellent. Look forward to it. Take care. Thanks again. Bye. 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James speaking. I'm very well. Thanks. And you?\n\nYeah. Sure. I'm just in the middle of making a coffee. Just bear with me if there's some gurgling noises in the in the background. But yeah.\n\nThat's been a just in a normal day at work. That's all all going pretty well. So and, you know, got away a little bit early so I could get home and take your call. So yeah. All good.\n\nSure. Yep. That's fine. Yep. It's James David Dittel.\n\nDate of birth is the 1971, and the address is 1701 Of 33 City Road in the Southbank. Right. I'm probably okay with just an update. I did I did a review with the people that look after my rental property, and there was a suggestion that it might be worth investigating buying property against the super or or potentially moving to a self managed model, which I'm less interested in because I don't I don't have the knowledge. That's that's what your job is, I guess.\n\nSo I I guess maybe sort of a little bit of information about about either of those two options. Yep. Yep. Yeah. Okay.\n\nNo. No. Yep. Yes. Yep.\n\nYeah. Yeah. Okay. Yeah. No.\n\nNo. That's that's sort of what I assumed. I just again, it was just it came up as a as a potential, and I think I'm probably happy just to sit tight for a little bit longer at this stage without worrying too much about investigating that. Yeah. Okay.\n\nAll good. Yep. Right. Yeah. That sounds rather more complicated than I really wanna buy into at this stage.\n\nBut yeah. Yep. Mhmm. Yep. Right.\n\nRight. Right. Yeah. Okay. Yeah.\n\nYeah. Yeah. That makes sense. Okay. Yep.\n\nYeah. I see. Yeah. Yeah. Yeah.\n\nOkay. Okay. Cool. Yeah. Yeah.\n\nYeah. Yep. Sure. Yep. That's correct.\n\nYep. Yep. Yes. Yes. Yep.\n\nI believe so. I will just quickly double check that. I don't think there's any change, but just bear with me. Yeah. No.\n\n956. Yeah. That's right. It certainly has yeah. Yeah.\n\nSo yes. Yeah. So I I mean, I just the the wage is around about the same. It's still about a 110 or so. Maybe a little bit well, I the main job is a 110.\n\nI have a casual job that, I think, last year, it contributed about, I don't know, 15,000 or maybe not quite that much, which is just like a second casual job. But, yeah, I've just I've just changed my employer. So yes. Yeah. Absolutely in the same yeah.\n\nThe same thing. Yep. Is Melbourne Recital Center? Six weeks ago, March 23. I'm loving it.\n\nIt's a six minute walk from where I live rather than a half hour half hour drive. So that's given me a fair back of fair bit of time and no petrol costs at a time when that's a good thing. Yeah. So no. It's going it's going very well.\n\nThank you. Yes. Yeah. Absolutely. Yep.\n\n110. Yeah. They do. That's also in venue management. It's running a small sort of community youth theater.\n\nI do, I guess, between one to three shifts a week on average. You know, just it's just three or four hours in the evening. It's, you know, just a couple $100 extra. Look. I'm not a 100% sure on that.\n\nLet me see if I can find that during the conversation. But, yeah, it's I mean, it just it's highly variable because it's based on what shows are on in in in that venue. And but let me see what I can find out while I'm talking to you. Yeah. I'll do I'll just see if I can find out what what last year was maybe.\n\nYeah. Sure. Actually, I can tell you now. I'm sorry. Actually, it was only well, after tax, it was 4,300 last year.\n\nSo yes. No. No. No. Yep.\n\nThat sounds alright. What are we on there? Yes. Yep. Yeah.\n\nI think it's probably actually worth a fair bit more than that now. It's been a fairly big rise. It's you can probably put it up to about well, I think about 6, actually. It's gone up quite a lot. Yes.\n\nThat's still about right. Yep. Yep. Yes. Mhmm.\n\nNo. Yep. That's about right. That's dropped down to 40 now because that was to buy the car. No.\n\nNo. No. Nothing's changed. No. No.\n\nThat's correct. No. No. I do. Yes.\n\nI think it's actually just basic at this stage. Right. Oh, okay. Mhmm. Mhmm.\n\nSorry. I'm totally lying. It's Simple Hospital with with like, it's a basic it's a sorry. It's just I I always go for the absolute lowest, but, no, why would I do hospital without hospital? It's it is of course, it is hospital.\n\nYes. I'm I've just found found the information online. Simple hospital, but it's a basic plan. So yeah. Yeah.\n\nYep. Yep. Ah, okay. Yes. I see.\n\nYep. I see. Yes. Yep. Yeah.\n\nYeah. Of course. Yeah. Exactly. Yeah.\n\nYeah. Yep. Yep. Yep. Absolutely.\n\nI do have a will in place now. Yeah. Yes. It was. I don't think there's a formal nomination.\n\nI mean, Penelope is listed as, you know, the the not the beneficiary, but we you know, the person who's responsible for it. So yeah. No. No. You know what?\n\nI feel as though I did, and I've done absolutely nothing about that. Yes. Yes. I might not be able to dig that out. Yeah.\n\nYou you might need to resend it, please. Yes, please. Email would be so much easier. Yes, please. So so with that with that, like, it's I have to nominate a person, do I?\n\nLike, an individual person? Right. Yeah. Yep. Yep.\n\nAlright. Right. Mhmm. Yeah. Yes.\n\nRight. Yes. So so I could it would be I could do Penelope in that she's the executor of my will. I could do that. Yeah.\n\nYep. That'd be great. Yeah. Thank you. Yep.\n\nRight. Yes. Oh, I see. Okay. Yeah.\n\nYeah. Yeah. Yeah. Yeah. I see.\n\nYep. Yeah. Okay. Yeah. That's certainly what I would what I would prefer.\n\nYes. Absolutely. Mhmm. Yep. Okay.\n\nYeah. Look. A non lapsing would be fine. I don't see anything, you know, changing unless I want to change it, basically. Yeah.\n\nYes. Yeah. Correct. Mhmm. Like a binding.\n\nYeah. It would be a binding. Yeah. Of course. Right.\n\nYeah. Yeah. Yeah. Yeah. That's fine.\n\nYeah. Mhmm. Yeah. Well, the the focus is my own property. The the investment property is you know, there's no plans to pay that off.\n\nIt's just to set and forget and then, you know, sell it in ten, fifteen years' time or whatever. And yeah. Yeah. Yeah. Look.\n\nIt's it's I mean, I've done a little bit of work. I've had carpets ripped up and floorboards put down, but, again, nothing that needs massive work at this stage. No. Yeah. Yeah.\n\nYes. If we spoke in May, yes, I did go. That was actually the kicker for getting the wheel done is that I I literally got it signed signed off, I don't know, about twenty four hours before I got on the plane. So I had a lovely trip there. Look, this year, no internationals that I've I've I have had and we'll be having a few interstate trips just to Adelaide and Sydney and Brisbane, which is nice.\n\nNext year, yes, there's a big Europe trip at the end of the year and potentially another sneaky one in the middle of the year as well. Mhmm. No. I I don't think so at this stage. You know, again, with the new job, it's everything's going well here.\n\nI I love my apartment. I live sort of in right in the city, and it's all if it's it's all about sort of the lifestyle that that all facilitates. K. Oh, okay. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nOut that way. Yeah. Yeah. So the Flemington area. Yeah.\n\nYeah. Yep. Yes. That's enough little pocket. Yeah.\n\nI mean, I I barely use transport. I mean, I I just walk everywhere. It's a walk to work. It's a walk to, you know, the theaters and the shows that I go and see and everything else that I do. So it's, you know, it's a great mix now.\n\nSo yep. Mhmm. Look. At at this stage, yeah, it's just the standard retirement age, whatever it is. 65, 67, I would say.\n\nYeah. At sorry. At 65, just to say. Sixty. Okay.\n\nLook. I think I probably got a few more years than me than that. But yeah. Yeah. Yep.\n\nThat seems if I if I had the place paid off, then that probably seems more than I would necessarily need, but let's go with that as a ballpark. No. No. Yeah. I think I think I sort of moved from sort of the safe to the moderate last time or maybe the review before, And I I think I'm probably happy to stick with that.\n\nI'm certainly not a high risk person. But yeah. So I'm happy to to just sort of play, you know, play a little bit of the game, but but also make sure I've got a a level of of, you know, security there. Mhmm. Oh, gosh.\n\nYeah. I I look. I I don't know. I I think I I think, you know, I I I know that it's a long term thing. I think I'd probably be happy just to wait it out.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nMhmm. I think it's probably neutral to optimistic. Yeah. Because probably it's on the slightly more positive side of neutral, if that makes sense. I probably would not know.\n\nYep. Mhmm. Okay. Not the specifics. No.\n\nSo so, basically, like, my previous answers were that I might be a bit more open to risk. Is that what you're saying? Yeah. Okay. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Okay. Yeah. I see.\n\nYep. Mhmm. Okay. Look. I mean, yeah, I think I'm I'm okay with with sitting where where it is at this at this stage.\n\nYeah. I think so. Yeah. Yeah. Mhmm.\n\nYep. Yeah. Yeah. Exactly. Yeah.\n\nYeah. Yeah. Yeah. Absolutely. Mhmm.\n\nYep. It come through yet. Not yet. That's fine. I'll just I've got a fairly dodgy spam filter.\n\nI'm just gonna log on and just see whether it's been being trapped in. Okay. Yeah. Nothing's yeah. Nothing's come through yet.\n\nJust let me keep looking. Just wanna just check the email address as well, please. Yep. That's fine. Yep.\n\nYeah. That's fine. Of course. Yeah. Yeah.\n\nYeah. Absolutely. Yeah. Yeah. Yeah.\n\nMhmm. Yep. Yeah. Yeah. Yep.\n\nOh, hang on. I think it's just arrived. There it is. Yep. Got it.\n\nThank you. Thanks for calling. Mhmm. Yep. It's loaded up.\n\nDocuments and volume. Yep. Mhmm. Mhmm. Yep.\n\nYes. Correct. Mhmm. Yeah. Mhmm.\n\nOf course. Yeah. Mhmm. Yep. Mhmm.\n\n'24 have 24 performance with IIIs. Is that right? Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nOkay. Mhmm. Mhmm. Yeah. Yeah.\n\nYeah. Mhmm. Yeah. Yeah. Yep.\n\nYep. Yeah. Sure. Yep. Oh, I see.\n\nYeah. Yeah. Yeah. Mhmm. Mhmm.\n\nYeah. Yeah. Okay. Yep. Alright.\n\nOkay. Yep. Yep. A bit of a hiccup? Mhmm.\n\nYep. Yep. Sure. Absolutely. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nOkay. That's good. Yep. Look. I I'd really prefer it sort of as late in the day as possible so that I can, you know, it's it's not eating into the workday.\n\nI can tell you that next week is not a good week. I've got stuff on every evening, so there's not really any time next week. So we'd have to push it into the into the week after if we could. Great. Good.\n\nGood. Good. Yeah. Yeah. How long would the appointment be, do you think?\n\nYep. Yep. Oh, fine. Yeah. Yeah.\n\nYeah. That that would be fine. That's yeah. The twentieth. 05:00 on the twentieth.\n\nYeah. No. The the twentieth is is actually good if if we were able to do five. Yeah. Yep.\n\nYep. Yep. That should be fine. No. That's fine.\n\nI'll I've popped it in the diary. That's okay. Yeah. Good. Thank you.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. That's good. Yes.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nMhmm. Yep. Mhmm. Yeah. I think so.\n\nYep. Yeah. Yeah. Mhmm. Okay.\n\nYes. Yep. Yep. I see that. Mhmm.\n\nYep. Yep. Yep. Correct. Yep.\n\nI will do that straight away. Where are you? There you are. Okay. Got you.\n\nYeah. Okay. Yeah. Mhmm. Yep.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nYeah. Yeah. Yeah. Okay. Yep.\n\nYeah. I'm just going into that. Yeah. Just go ahead and just do the signature. Yeah.\n\nNo. I've got an an upload that I can can do fairly quickly. That is all done. Validate. Yep.\n\nYep. Yep. Yep. Validate and send. Yep.\n\nIt's still just loading at this end. Okay. That's that has done, and I've done my little signed copy of it. Yeah. Of course.\n\nYeah. Yep. Right. Yep. Yep.\n\nTwenty to the twentieth. Great. No. All good. Thank you very much.\n\nThank you, Veronica. Excellent. Look forward to it. Take care. Thanks again.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.013459108769893646},{"text":"James speaking.","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.019429081119596958},{"text":"I'm very well.","start":10.16,"end":10.88,"sentiment":"positive","sentiment_score":0.5915544827779134},{"text":"Thanks.","start":10.88,"end":11.2,"sentiment":"positive","sentiment_score":0.6222583651542664},{"text":"And you?","start":11.2,"end":11.86,"sentiment":"positive","sentiment_score":0.33670447766780853}],"sentiment":"positive","sentiment_score":0.34696089331474567,"num_words":9,"start":3.76,"end":11.86},{"sentences":[{"text":"Yeah.","start":18.494999,"end":18.895,"sentiment":"neutral","sentiment_score":0.052706412971019745},{"text":"Sure.","start":18.895,"end":19.215,"sentiment":"neutral","sentiment_score":0.04301656410098076},{"text":"I'm just in the middle of making a 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of birth is the 1971, and the address is 1701 Of 33 City Road in the Southbank.","start":65.36,"end":74.255,"sentiment":"neutral","sentiment_score":0.03081050908399953},{"text":"Right.","start":78.395004,"end":78.895004,"sentiment":"neutral","sentiment_score":0.10398942232131958},{"text":"I'm probably okay with just an update.","start":93.65,"end":96.79,"sentiment":"neutral","sentiment_score":-0.03248318870152746},{"text":"I did I did a review with the people that look after my rental property, and there was a suggestion that it might be worth investigating buying property against the super or or potentially moving to a self managed model, which I'm less interested in because I don't I don't have the knowledge.","start":97.57,"end":120.8,"sentiment":"neutral","sentiment_score":-0.10432546930211894},{"text":"That's that's what your job is, I 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you.","start":2305.42,"end":2305.9,"sentiment":"neutral","sentiment_score":0.08423951268196106}],"sentiment":"neutral","sentiment_score":0.09246781381467978,"num_words":15,"start":2302.06,"end":2305.9},{"sentences":[{"text":"Yeah.","start":2305.9,"end":2306.22,"sentiment":"neutral","sentiment_score":0.08787735551595688},{"text":"Okay.","start":2306.22,"end":2306.72,"sentiment":"neutral","sentiment_score":0.08156841993331909},{"text":"Yeah.","start":2307.58,"end":2307.945,"sentiment":"neutral","sentiment_score":0.07713230699300766},{"text":"Mhmm.","start":2316.0251,"end":2316.5251,"sentiment":"neutral","sentiment_score":0.05628977715969086},{"text":"Yep.","start":2318.905,"end":2319.405,"sentiment":"neutral","sentiment_score":0.12625016272068024}],"sentiment":"neutral","sentiment_score":0.08582360446453094,"num_words":5,"start":2305.9,"end":2319.405},{"sentences":[{"text":"Mhmm.","start":2324.26,"end":2324.76,"sentiment":"neutral","sentiment_score":0.23037871718406677},{"text":"Yep.","start":2333.7,"end":2334.075,"sentiment":"neutral","sentiment_score":0.1346784234046936},{"text":"Mhmm.","start":2338.075,"end":2338.575,"sentiment":"neutral","sentiment_score":0.0021414952352643013},{"text":"Yep.","start":2342.395,"end":2342.895,"sentiment":"neutral","sentiment_score":-0.0034746313467621803},{"text":"Yep.","start":2350.0,"end":2350.5,"sentiment":"neutral","sentiment_score":0.11800548434257507}],"sentiment":"neutral","sentiment_score":0.09634589776396751,"num_words":5,"start":2324.26,"end":2350.5},{"sentences":[{"text":"Yeah.","start":2357.76,"end":2358.26,"sentiment":"neutral","sentiment_score":0.08035394549369812},{"text":"Yeah.","start":2358.3198,"end":2358.8198,"sentiment":"neutral","sentiment_score":0.08225837349891663},{"text":"Yeah.","start":2364.155,"end":2364.655,"sentiment":"neutral","sentiment_score":0.07433533668518066},{"text":"Okay.","start":2367.3284,"end":2367.8284,"sentiment":"neutral","sentiment_score":0.05717029422521591},{"text":"Yep.","start":2370.5017,"end":2371.0017,"sentiment":"neutral","sentiment_score":0.09053289890289308}],"sentiment":"neutral","sentiment_score":0.07693016976118087,"num_words":5,"start":2357.76,"end":2371.0017},{"sentences":[{"text":"Yeah.","start":2373.675,"end":2373.995,"sentiment":"neutral","sentiment_score":0.07562775909900665},{"text":"I'm just going into that.","start":2373.995,"end":2375.46,"sentiment":"neutral","sentiment_score":0.06561212614178658},{"text":"Yeah.","start":2376.02,"end":2376.5,"sentiment":"neutral","sentiment_score":0.06532424688339233},{"text":"Just go ahead and just do the signature.","start":2376.5,"end":2380.76,"sentiment":"neutral","sentiment_score":0.07109329616650939},{"text":"Yeah.","start":2394.925,"end":2395.165,"sentiment":"neutral","sentiment_score":0.01718524657189846}],"sentiment":"neutral","sentiment_score":0.06593401578720659,"num_words":16,"start":2373.675,"end":2395.165},{"sentences":[{"text":"No.","start":2395.165,"end":2395.325,"sentiment":"neutral","sentiment_score":-0.05941687896847725},{"text":"I've got an an upload that I can can do fairly quickly.","start":2395.325,"end":2398.7852,"sentiment":"neutral","sentiment_score":0.0867989497880141},{"text":"That is all done.","start":2400.365,"end":2402.145,"sentiment":"positive","sentiment_score":0.3749072626233101},{"text":"Validate.","start":2402.205,"end":2402.705,"sentiment":"neutral","sentiment_score":0.22146207094192505},{"text":"Yep.","start":2404.125,"end":2404.365,"sentiment":"neutral","sentiment_score":0.15068159997463226}],"sentiment":"neutral","sentiment_score":0.15020753894197314,"num_words":19,"start":2395.165,"end":2404.365},{"sentences":[{"text":"Yep.","start":2404.365,"end":2404.605,"sentiment":"neutral","sentiment_score":0.12212824821472168},{"text":"Yep.","start":2404.605,"end":2405.04,"sentiment":"neutral","sentiment_score":0.11318640410900116},{"text":"Yep.","start":2407.68,"end":2408.1602,"sentiment":"neutral","sentiment_score":0.11748363077640532},{"text":"Validate and send.","start":2408.1602,"end":2409.3,"sentiment":"neutral","sentiment_score":0.14745977024237314},{"text":"Yep.","start":2417.12,"end":2417.44,"sentiment":"neutral","sentiment_score":0.08590185642242432}],"sentiment":"neutral","sentiment_score":0.12586849289281027,"num_words":7,"start":2404.365,"end":2417.44},{"sentences":[{"text":"It's still just loading at this end.","start":2417.44,"end":2419.46,"sentiment":"neutral","sentiment_score":0.010008144325443677},{"text":"Okay.","start":2421.515,"end":2421.9949,"sentiment":"neutral","sentiment_score":0.10531526803970336},{"text":"That's that has done, and I've done my little signed copy of it.","start":2421.9949,"end":2427.2148,"sentiment":"neutral","sentiment_score":0.1722039500108132},{"text":"Yeah.","start":2432.2349,"end":2432.7,"sentiment":"neutral","sentiment_score":0.09136638790369034},{"text":"Of course.","start":2436.22,"end":2436.78,"sentiment":"neutral","sentiment_score":0.02799997292459011}],"sentiment":"neutral","sentiment_score":0.10672458175880213,"num_words":24,"start":2417.44,"end":2436.78},{"sentences":[{"text":"Yeah.","start":2436.78,"end":2437.28,"sentiment":"neutral","sentiment_score":0.07496526837348938},{"text":"Yep.","start":2441.18,"end":2441.68,"sentiment":"neutral","sentiment_score":0.21331624686717987},{"text":"Right.","start":2445.42,"end":2445.92,"sentiment":"neutral","sentiment_score":0.19208016991615295},{"text":"Yep.","start":2454.075,"end":2454.575,"sentiment":"neutral","sentiment_score":0.10740478336811066},{"text":"Yep.","start":2459.195,"end":2459.55,"sentiment":"neutral","sentiment_score":0.14237672090530396}],"sentiment":"neutral","sentiment_score":0.14602863788604736,"num_words":5,"start":2436.78,"end":2459.55},{"sentences":[{"text":"Twenty to the twentieth.","start":2467.31,"end":2468.43,"sentiment":"neutral","sentiment_score":0.09589017555117607},{"text":"Great.","start":2468.43,"end":2468.93,"sentiment":"positive","sentiment_score":0.54483962059021},{"text":"No.","start":2477.165,"end":2477.485,"sentiment":"neutral","sentiment_score":-0.18017295002937317},{"text":"All good.","start":2477.485,"end":2477.885,"sentiment":"neutral","sentiment_score":0.14147773385047913},{"text":"Thank you very much.","start":2477.885,"end":2478.945,"sentiment":"neutral","sentiment_score":0.16534768231213093}],"sentiment":"neutral","sentiment_score":0.14104779747625193,"num_words":12,"start":2467.31,"end":2478.945},{"sentences":[{"text":"Thank you, Veronica.","start":2483.165,"end":2484.145,"sentiment":"positive","sentiment_score":0.5922172665596008},{"text":"Excellent.","start":2485.725,"end":2486.205,"sentiment":"positive","sentiment_score":0.8105796575546265},{"text":"Look forward to it.","start":2486.205,"end":2486.845,"sentiment":"positive","sentiment_score":0.7812493592500687},{"text":"Take care.","start":2486.845,"end":2487.585,"sentiment":"positive","sentiment_score":0.5312649309635162},{"text":"Thanks again.","start":2488.445,"end":2489.245,"sentiment":"positive","sentiment_score":0.4460771530866623}],"sentiment":"positive","sentiment_score":0.6389094218611717,"num_words":12,"start":2483.165,"end":2489.245},{"sentences":[{"text":"Bye.","start":2489.245,"end":2489.725,"sentiment":"neutral","sentiment_score":0.14456138014793396},{"text":"Bye.","start":2489.725,"end":2490.225,"sentiment":"neutral","sentiment_score":0.13901469111442566}],"sentiment":"neutral","sentiment_score":0.1417880356311798,"num_words":2,"start":2489.245,"end":2490.225}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? James speaking.\n\nChannel 0: Good afternoon, James. This is Veronica from OTU Financial. How are you this afternoon?\n\nChannel 1: I'm very well. Thanks. And you?\n\nChannel 0: Good. I'm well. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Sure. I'm just in\n\nChannel 0: Yeah.\n\nChannel 1: the middle of making a coffee. Just bear with me if there's some gurgling noises in the in the background.\n\nChannel 0: No. That's\n\nChannel 1: But\n\nChannel 0: that's all good. How's your day been? Been busy or just kind of wrapping\n\nChannel 1: yeah.\n\nChannel 0: things up?\n\nChannel 1: That's been a just in a normal day at work. That's all all going pretty well. So and, you know, got away a little bit early so I could get home and take your call. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. All good.\n\nChannel 0: Perfect. Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching\n\nChannel 1: Sure.\n\nChannel 0: purposes, if that's okay. Perfect.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: And just for security purposes, just so I can confirm your identity, would you be able to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. It's James David Dittel. Date of birth is the 1971, and\n\nChannel 0: Yep.\n\nChannel 1: the address is 1701 Of 33 City Road in the Southbank.\n\nChannel 0: Yep. Perfect. That's exactly what I have here.\n\nChannel 1: Right.\n\nChannel 0: Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific you would like me to focus on today or any particular questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months for you.\n\nChannel 1: I'm probably okay with just an update.\n\nChannel 0: Yep.\n\nChannel 1: I did I did a review with the people that look after my rental property, and there\n\nChannel 0: Yes.\n\nChannel 1: was a suggestion that it might be worth investigating buying property against the super\n\nChannel 0: Mhmm.\n\nChannel 1: or or potentially moving to a self managed model, which I'm less interested in because I don't I don't have the knowledge. That's that's what your job is, I guess. So I I guess maybe sort of a little bit of information\n\nChannel 0: Yes.\n\nChannel 1: about\n\nChannel 0: That's\n\nChannel 1: about\n\nChannel 0: on\n\nChannel 1: either of those two options.\n\nChannel 0: yeah. And it it it's one of those tricky ones where there is a lot of talks in regards to self managed super funds, and\n\nChannel 1: Yep.\n\nChannel 0: and that is so if you wanna use your superannuation to buy a property,\n\nChannel 1: Yep.\n\nChannel 0: there is only two ways. So\n\nChannel 1: Yeah.\n\nChannel 0: one\n\nChannel 1: Okay.\n\nChannel 0: way is for it's the first time with the saver scheme, which, unfortunately, you wouldn't be eligible for\n\nChannel 1: No.\n\nChannel 0: because you already\n\nChannel 1: No.\n\nChannel 0: have a property.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. That one is more designed to help people save up to buy the\n\nChannel 1: Yes.\n\nChannel 0: first property.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: The other\n\nChannel 1: Yeah.\n\nChannel 0: one is the South Minnesota Superfund. That is kind of the only other way through by property.\n\nChannel 1: Okay. Yeah. No. No. That's that's sort of what I assumed.\n\nI just again, it was just it came up as a as a potential, and I think I'm probably happy just to sit tight for a little bit longer at this stage without worrying too much about investigating that.\n\nChannel 0: Yes. Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: if it's if it's done, track is something you wanna look at, we definitely do self made super funds\n\nChannel 1: Okay.\n\nChannel 0: as well.\n\nChannel 1: All good.\n\nChannel 0: It depends on, obviously, your goals. Now I've seen more being closed down than open up,\n\nChannel 1: Yep.\n\nChannel 0: and often that is because there is because the self made super funds, it is self managed by the client. So if you are the trustee of it, you would you\n\nChannel 1: Right.\n\nChannel 0: would manage the self made super fund. You would also be compliant for everything. So making sure everything is in order, also having to do a yearly tax return and stuff like that for it.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: That sounds rather more complicated than I really wanna buy into at this\n\nChannel 0: yeah. And that is often the case. People are like, yes. I love that idea. And then when you go into it and, like, they're running costs\n\nChannel 1: stage.\n\nChannel 0: and stuff like\n\nChannel 1: But\n\nChannel 0: that, it's\n\nChannel 1: yeah.\n\nChannel 0: like, oh,\n\nChannel 1: Yep.\n\nChannel 0: maybe it's not always the best avenue.\n\nChannel 1: Mhmm.\n\nChannel 0: Often, we see it as well if you are, like, a a business owner or something like\n\nChannel 1: Yep.\n\nChannel 0: that where you can you can buy it and, like, rent it out. Obviously, it has to be an arm's length, which is the purpose for your retirement. So it's not like you can\n\nChannel 1: Right.\n\nChannel 0: have it as a holiday house or or something like that or your property. Sometimes people think you can use to sell most of your time to buy your property if you don't have borrowing capacity elsewhere,\n\nChannel 1: Right.\n\nChannel 0: which you can't. It has to\n\nChannel 1: Right.\n\nChannel 0: be\n\nChannel 1: Yeah.\n\nChannel 0: for an\n\nChannel 1: Okay.\n\nChannel 0: investment only.\n\nChannel 1: Yeah. Yeah. Yeah. That makes sense.\n\nChannel 0: So it is quite complex in in that way. Now,\n\nChannel 1: Okay.\n\nChannel 0: like\n\nChannel 1: Yep.\n\nChannel 0: yeah. So all if it is something you wanna explore later, we definitely can. But, yeah, there are a lot more running costs associated with it\n\nChannel 1: Yeah. I see. Yeah. Yeah.\n\nChannel 0: and more complexities in in regards to it.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, if it is something down to track you are very interested in, just let us know because it is something we do as well.\n\nChannel 1: Okay. Okay. Cool.\n\nChannel 0: So, yeah, obviously, something to keep in mind, obviously, depending on what your goals and situation is like.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But, otherwise, what I might run through with you first there, James, it's just a bit of an updated fact line just to see\n\nChannel 1: Yeah.\n\nChannel 0: if there is anything major that has changed in your life, if we need to\n\nChannel 1: Yep.\n\nChannel 0: make any changes to your advice. So just\n\nChannel 1: Sure.\n\nChannel 0: kinda bear with me as I go through this.\n\nChannel 1: Yep.\n\nChannel 0: Now I have you down here as with personal information as single with no financial dependent. Is that just\n\nChannel 1: That's correct.\n\nChannel 0: okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now next up, Kin, I have I believe it's your friend, Penelope, noted down\n\nChannel 1: Yes.\n\nChannel 0: as next up Kin. Is that still the case\n\nChannel 1: Yes.\n\nChannel 0: as well?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And their phone number still ends in 956?\n\nChannel 1: I believe so. I will just quickly double check that. I don't think there's\n\nChannel 0: Yep.\n\nChannel 1: any change, but just bear with\n\nChannel 0: Yep.\n\nChannel 1: me. Yeah. No.\n\nChannel 0: Perfect.\n\nChannel 1: 956. Yeah. That's right.\n\nChannel 0: Yep. Amazing. Now when it comes to employment wise, has any of that changed, or are\n\nChannel 1: It\n\nChannel 0: you still\n\nChannel 1: certainly\n\nChannel 0: kind\n\nChannel 1: has\n\nChannel 0: of?\n\nChannel 1: yeah.\n\nChannel 0: You have?\n\nChannel 1: Yeah. So yes. Yeah. So I I mean, I just\n\nChannel 0: Okay.\n\nChannel 1: the the wage is around about the same. It's still about a 110 or so.\n\nChannel 0: Mhmm.\n\nChannel 1: Maybe a little bit well, I the main job is a 110. I have a casual job that, I think, last year, it contributed about, I don't know, 15,000 or maybe not quite that much, which is just like a second casual job. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I've just I've just changed my employer.\n\nChannel 0: Okay. So still kind of doing the the venue management\n\nChannel 1: So\n\nChannel 0: side\n\nChannel 1: yes.\n\nChannel 0: of it?\n\nChannel 1: Yeah. Absolutely\n\nChannel 0: Yep.\n\nChannel 1: in the same yeah. The same thing. Yep.\n\nChannel 0: And who's your new employer?\n\nChannel 1: Is Melbourne Recital Center?\n\nChannel 0: Perfect. And when did you start there?\n\nChannel 1: Six weeks ago, March 23.\n\nChannel 0: Oh, yeah. And how are you finding it so far?\n\nChannel 1: I'm loving it. It's a six\n\nChannel 0: Oh,\n\nChannel 1: minute\n\nChannel 0: that's\n\nChannel 1: walk from\n\nChannel 0: good.\n\nChannel 1: where I live rather\n\nChannel 0: Oh,\n\nChannel 1: than a half\n\nChannel 0: that\n\nChannel 1: hour\n\nChannel 0: child's\n\nChannel 1: half hour\n\nChannel 0: lovely.\n\nChannel 1: drive. So\n\nChannel 0: Yep.\n\nChannel 1: that's given me a fair back of fair bit of time and no\n\nChannel 0: Yay.\n\nChannel 1: petrol costs at a time when\n\nChannel 0: Oh,\n\nChannel 1: that's a good thing.\n\nChannel 0: yes. Coming very heavy right now.\n\nChannel 1: Yeah. So no. It's going it's going very well. Thank you.\n\nChannel 0: Oh, perfect. And still working, like, full time with them?\n\nChannel 1: Yes. Yeah. Absolutely.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And income, you said about a 110?\n\nChannel 1: 110. Yeah.\n\nChannel 0: Yep. And they pay the standard 12% employer contribution into super as well?\n\nChannel 1: They do.\n\nChannel 0: Yeah. Perfect. And what do you do with your casual job?\n\nChannel 1: That's also in venue management. It's running a small sort of community youth theater. I do, I guess, between one to three shifts a week on average.\n\nChannel 0: Yep.\n\nChannel 1: You know, just it's just three or four hours in the evening. It's,\n\nChannel 0: Yep.\n\nChannel 1: you know, just\n\nChannel 0: Alright.\n\nChannel 1: a couple $100 extra.\n\nChannel 0: Yeah. That makes a difference. And you said income is about 15,000?\n\nChannel 1: Look. I'm not a 100% sure on that. Let me see if I can find that\n\nChannel 0: Yeah.\n\nChannel 1: during the conversation.\n\nChannel 0: Okay.\n\nChannel 1: But, yeah, it's I mean, it just it's highly variable because it's based on\n\nChannel 0: Yeah.\n\nChannel 1: what\n\nChannel 0: Casual.\n\nChannel 1: shows are on in in in that venue. And but let me see what I can find out while I'm\n\nChannel 0: Even,\n\nChannel 1: talking\n\nChannel 0: like, yeah,\n\nChannel 1: to you.\n\nChannel 0: a bit of a rough rough\n\nChannel 1: Yeah.\n\nChannel 0: ride.\n\nChannel 1: I'll\n\nChannel 0: Are\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: I'll\n\nChannel 0: happy\n\nChannel 1: just see if\n\nChannel 0: for\n\nChannel 1: I can\n\nChannel 0: me to\n\nChannel 1: find out what what last year\n\nChannel 0: okay.\n\nChannel 1: was\n\nChannel 0: Perfect. And are you happy for me to go through some of the other bits where you find that,\n\nChannel 1: maybe.\n\nChannel 0: or would you like\n\nChannel 1: Yeah.\n\nChannel 0: me to just\n\nChannel 1: Sure.\n\nChannel 0: kind\n\nChannel 1: Actually,\n\nChannel 0: of wait?\n\nChannel 1: I can tell you now. I'm sorry. Actually,\n\nChannel 0: Yes.\n\nChannel 1: it was only\n\nChannel 0: After\n\nChannel 1: well, after tax, it was 4,300 last year. So\n\nChannel 0: tax. Perfect. And you get the 12% contribution there as well? Yeah. Amazing.\n\nOtherwise, you're not making any additional contributions yourself, just that\n\nChannel 1: yes.\n\nChannel 0: from both your\n\nChannel 1: No.\n\nChannel 0: employers. Yep.\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: No.\n\nChannel 0: And when it comes through assets, I have here your main property was last died at about 750,000.\n\nChannel 1: Yep. That sounds alright.\n\nChannel 0: Yep. Perfect. And mortgage about 156,000.\n\nChannel 1: What are we on there? Yes. Yep.\n\nChannel 0: Yep. Perfect. I have investment property about 400,000.\n\nChannel 1: Yeah. I think it's probably actually worth a fair bit more than that now. It's been a\n\nChannel 0: Yeah.\n\nChannel 1: fairly big rise. It's you can probably put it up to about well, I think about 6, actually. It's gone up\n\nChannel 0: Oh,\n\nChannel 1: quite\n\nChannel 0: nice.\n\nChannel 1: a lot.\n\nChannel 0: Yeah. Beautiful. So 600, and I have mortgage about $3.95.\n\nChannel 1: Yes. That's still about right. Yep.\n\nChannel 0: About right? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Motor vehicle, about 35,000.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: Yep. Nothing owing on that one.\n\nChannel 1: No.\n\nChannel 0: Yep. Perfect. And then I have a credit card of about 8,000.\n\nChannel 1: Yep. That's about right.\n\nChannel 0: Yep. Perfect. And then cash in the bank, so savings about 75.\n\nChannel 1: That's dropped down to 40 now because\n\nChannel 0: 40.\n\nChannel 1: that was to buy the car.\n\nChannel 0: Yep. Perfect. Any other new assets? We haven't\n\nChannel 1: No.\n\nChannel 0: gone through otherwise. Not perfect.\n\nChannel 1: No.\n\nChannel 0: Any\n\nChannel 1: No.\n\nChannel 0: other,\n\nChannel 1: Nothing's\n\nChannel 0: like,\n\nChannel 1: changed.\n\nChannel 0: personal loans or anything like that?\n\nChannel 1: No. No.\n\nChannel 0: No. Great. And when it comes to health and lifestyle, have you done here as a non smoker? Is that still the case?\n\nChannel 1: That's correct.\n\nChannel 0: Perfect. And have you had any changes to your health in the last twelve months at all?\n\nChannel 1: No. No.\n\nChannel 0: No. Great. And do you have private health insurance?\n\nChannel 1: I do. Yes.\n\nChannel 0: Yep. And that's hospital as well?\n\nChannel 1: I think it's actually just basic at this stage.\n\nChannel 0: Just basic? Okay. Perfect. Because with your income as well, just be mindful for the Medicare levy surcharge, which\n\nChannel 1: Right.\n\nChannel 0: is let me check what is because it keeps changing because I think you'll be just on the edge. So what it is is an additional tax for\n\nChannel 1: Oh,\n\nChannel 0: high income\n\nChannel 1: okay.\n\nChannel 0: earner.\n\nChannel 1: Mhmm.\n\nChannel 0: And sometimes it's worth looking at, and it is you need hospital\n\nChannel 1: Mhmm.\n\nChannel 0: for it. So it's making sure you have appropriate hospital\n\nChannel 1: Sorry.\n\nChannel 0: cover.\n\nChannel 1: I'm totally lying. It's Simple Hospital with with\n\nChannel 0: Perfect.\n\nChannel 1: like, it's a basic it's a sorry. It's just\n\nChannel 0: That's good.\n\nChannel 1: I I always go for the absolute lowest, but, no, why\n\nChannel 0: That's\n\nChannel 1: would I\n\nChannel 0: fine.\n\nChannel 1: do hospital without hospital? It's it is of course, it is hospital.\n\nChannel 0: Perfect.\n\nChannel 1: Yes. I'm\n\nChannel 0: Okay.\n\nChannel 1: I've\n\nChannel 0: Cool.\n\nChannel 1: just found found the information online. Simple\n\nChannel 0: Great.\n\nChannel 1: hospital, but it's a basic\n\nChannel 0: That's fine.\n\nChannel 1: plan. So\n\nChannel 0: Perfect.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah. And that's why most people because with the the changes so at the moment, otherwise, if you only were to have extras, so, like,\n\nChannel 1: Yep.\n\nChannel 0: no hospital,\n\nChannel 1: Yep.\n\nChannel 0: then if your income is over 101,000, which it is for\n\nChannel 1: Ah,\n\nChannel 0: your\n\nChannel 1: okay.\n\nChannel 0: case,\n\nChannel 1: Yes. I see.\n\nChannel 0: you would be liable to pay a a bit of that medical levy surcharge.\n\nChannel 1: Yep. I see. Yes.\n\nChannel 0: So sometimes it's worth looking at it. Sometimes people are like, oh, I don't see the the the purpose of having it. Like, that's fine. Just look at the math. Sometimes it works out cheaper\n\nChannel 1: Yep.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah. Of course. Yeah. Exactly. Yeah.\n\nChannel 0: So, yeah, often that's why a lot of people have it as well. It's like, well, if if you pay maybe\n\nChannel 1: Yeah.\n\nChannel 0: a tiny bit more, but you have you have the private health than having to pay the extra tax.\n\nChannel 1: Yep.\n\nChannel 0: So that's\n\nChannel 1: Yep.\n\nChannel 0: good that you have it because you're over the threshold, so that's good.\n\nChannel 1: Yep. Absolutely.\n\nChannel 0: Now when it comes to estate planning wise, do you have a will or power of attorney or anything\n\nChannel 1: I\n\nChannel 0: like that?\n\nChannel 1: do have a will in place now. Yeah.\n\nChannel 0: Yes. Amazing. Because I know that was on the to do list last time,\n\nChannel 1: Yes.\n\nChannel 0: so that's\n\nChannel 1: It was.\n\nChannel 0: great. And when you got the will, do you know if a part of that you made a nomination for power of attorney?\n\nChannel 1: I don't think there's a formal nomination. I mean, Penelope is listed as, you know, the the not the beneficiary, but we you know, the person who's responsible for it.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. And but you didn't have anyone who makes any financial decisions on your behalf or\n\nChannel 1: No.\n\nChannel 0: anything like that?\n\nChannel 1: No.\n\nChannel 0: Now when it comes through to and your insurances as well, we don't have a nomination at the moment. So did you ever receive your hub 24 and your zero beneficiary forms in the post at all?\n\nChannel 1: You know what? I feel as\n\nChannel 0: Mhmm.\n\nChannel 1: though I did, and I've done absolutely nothing about that. Yes.\n\nChannel 0: That's\n\nChannel 1: Yes.\n\nChannel 0: okay.\n\nChannel 1: I might not be able to dig that out. Yeah. You you might\n\nChannel 0: Would\n\nChannel 1: need to\n\nChannel 0: you\n\nChannel 1: resend\n\nChannel 0: like us\n\nChannel 1: it,\n\nChannel 0: to\n\nChannel 1: please.\n\nChannel 0: re yeah. Perfect.\n\nChannel 1: Yes, please.\n\nChannel 0: Now do you prefer email if you have access to a\n\nChannel 1: Email\n\nChannel 0: printer,\n\nChannel 1: would\n\nChannel 0: or do\n\nChannel 1: be\n\nChannel 0: you want\n\nChannel 1: so much easier.\n\nChannel 0: yeah.\n\nChannel 1: Yes, please.\n\nChannel 0: Perfect. I will get that emailed. I'll get the team to email that to you.\n\nChannel 1: So so with that with that, like, it's I have to nominate a person, do I? Like, an individual person?\n\nChannel 0: Yes and no. It doesn't have to be a person. It depends on how you want to do it. So, basically, from superannuation, it is quite strict on who you can nominate\n\nChannel 1: Right.\n\nChannel 0: directly because\n\nChannel 1: Yeah.\n\nChannel 0: of this this act. So if you can nominate someone directly,\n\nChannel 1: Yep.\n\nChannel 0: it has to be a spouse, a child,\n\nChannel 1: Yep.\n\nChannel 0: someone who are financial dependent on you or in an interdependency relationship, which\n\nChannel 1: Alright.\n\nChannel 0: essentially is someone who must remain financially dependent on you at the time of your passing. You need to have a close personal relationship, living together, and providing financial domestic\n\nChannel 1: Right.\n\nChannel 0: or personal care support.\n\nChannel 1: Mhmm.\n\nChannel 0: And often, a lot of clients, it's like, well, if if I don't have any financial dependence or a partner, who do I nominate? Or sometimes\n\nChannel 1: Yeah.\n\nChannel 0: I have people who is like, well, I wanna give it to my nephew or niece or my cousin or my friend or my parents. The way to do that would be through your legal personal representative. So, essentially, on\n\nChannel 1: Yes.\n\nChannel 0: the form, you would complete legal personal representative at a 100%.\n\nChannel 1: Right.\n\nChannel 0: And, basically, what that means is then revert to your will. And then in the will,\n\nChannel 1: Yes.\n\nChannel 0: it will\n\nChannel 1: So\n\nChannel 0: be\n\nChannel 1: so I\n\nChannel 0: what\n\nChannel 1: could\n\nChannel 0: you\n\nChannel 1: it would\n\nChannel 0: want.\n\nChannel 1: be I could do Penelope in that she's the executor of my will. I could do that.\n\nChannel 0: Correct. You can 100%\n\nChannel 1: Yeah.\n\nChannel 0: do that. Sorry. For for\n\nChannel 1: Yep.\n\nChannel 0: the form, you would just complete it as a legal personal representative. I can get the team to pre fill that for you if you would like.\n\nChannel 1: That'd be great. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Then that way because your superannuation, it does not feel part of the estate if something were to\n\nChannel 1: Right.\n\nChannel 0: happen, but you can have\n\nChannel 1: Yes.\n\nChannel 0: completely different people\n\nChannel 1: Oh,\n\nChannel 0: nominated.\n\nChannel 1: I see. Okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: this\n\nChannel 1: I\n\nChannel 0: way,\n\nChannel 1: see.\n\nChannel 0: doing it through legal personal representative, you're saying, no. I want it to go to my will. And then, yeah, exactly,\n\nChannel 1: Yep.\n\nChannel 0: in your will, you can then have it whoever you want to. You could have it in non for profit. You could have it wherever you want.\n\nChannel 1: Yeah. Okay. Yeah. That's certainly\n\nChannel 0: So,\n\nChannel 1: what I would what I would prefer. Yes. Absolutely.\n\nChannel 0: yeah. Alright. So we'll do the legal personal representative. Now there are two different types of nominations as well that you can do, which is you can have a lapsing or a non lapsing option. So non\n\nChannel 1: Mhmm.\n\nChannel 0: lapsing means that it stays in place until you decide to change it.\n\nChannel 1: Yep.\n\nChannel 0: Lapsing means that it expires every three years, and you have to redo it. What would you\n\nChannel 1: Okay.\n\nChannel 0: prefer?\n\nChannel 1: Yeah. Look. A non lapsing would be fine.\n\nChannel 0: Yeah.\n\nChannel 1: I don't see anything, you know,\n\nChannel 0: Yeah.\n\nChannel 1: changing unless\n\nChannel 0: Perfect.\n\nChannel 1: I want to change it, basically. Yeah.\n\nChannel 0: Yeah. Especially with the wheel as well. It makes it easy because if anything ever changes for you, you can just update the wheel. You don't have to update\n\nChannel 1: Yes.\n\nChannel 0: this form.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Now the other one is then you can have a binding or nonbinding option. So binding means\n\nChannel 1: Mhmm.\n\nChannel 0: that, basically, the trustee, so the super fund and and insurance are bound to follow your wishes. The nonbinding is where you basically say this is what I would like, but then it's ultimately up to the trustee to decide if they feel that there's someone else that is suited for it. Sorry.\n\nChannel 1: Like a binding. Yeah. It\n\nChannel 0: Yeah.\n\nChannel 1: would be a binding.\n\nChannel 0: Alright. That's where most people decide.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Of course.\n\nChannel 0: I will look at the prefilled for you and get the team to\n\nChannel 1: Right.\n\nChannel 0: email that out. Now most of the team have left for today, so it might be tomorrow or the following day, if that's okay.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Great.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Otherwise, when it comes to, I guess, like, goals and stuff that you are working towards, I had here that last time I do interview time, your main focus was to pay down the mortgage\n\nChannel 1: Mhmm.\n\nChannel 0: on your property\n\nChannel 1: Yeah.\n\nChannel 0: and the investment property. Is that still kind of the focus for you?\n\nChannel 1: Well, the the focus is my own property. The\n\nChannel 0: Mhmm.\n\nChannel 1: the investment property is you know, there's no plans to pay that off. It's just to\n\nChannel 0: Yeah.\n\nChannel 1: set and forget and then, you know, sell it in ten, fifteen years' time or whatever.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: And from a tax\n\nChannel 1: yeah.\n\nChannel 0: deduction point of view on interest\n\nChannel 1: Yeah.\n\nChannel 0: as well. Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And, otherwise, renovate your apartment. Did you end up doing some renovation, or is that still\n\nChannel 1: Look.\n\nChannel 0: on the card?\n\nChannel 1: It's it's I mean, I've done a little bit of work. I've had carpets\n\nChannel 0: Mhmm.\n\nChannel 1: ripped up and floorboards put down, but, again, nothing that needs massive work at this stage. No.\n\nChannel 0: Yeah. Perfect. And, otherwise, I had basically just to kinda go on some holidays every now and then, and I\n\nChannel 1: Yeah.\n\nChannel 0: think you\n\nChannel 1: Yeah.\n\nChannel 0: had a planned trip to Europe. Did you end\n\nChannel 1: Yes.\n\nChannel 0: up going?\n\nChannel 1: If we spoke in May, yes, I did go.\n\nChannel 0: Yes.\n\nChannel 1: That was actually the kicker for getting the wheel done is that I I literally got it signed signed off, I don't know, about twenty four hours before I got on the plane.\n\nChannel 0: Go ahead.\n\nChannel 1: So I had a lovely trip there. Look, this\n\nChannel 0: Yeah.\n\nChannel 1: year, no internationals that\n\nChannel 0: Yep.\n\nChannel 1: I've I've I have had and we'll be having a few interstate trips\n\nChannel 0: Oh, no.\n\nChannel 1: just to Adelaide and Sydney and Brisbane,\n\nChannel 0: Yeah.\n\nChannel 1: which is nice. Next year, yes, there's a big Europe trip at the end of the year and potentially another sneaky one in the middle of the year as well.\n\nChannel 0: Oh, sounds lovely. And aside from, obviously, traveling\n\nChannel 1: Mhmm.\n\nChannel 0: and the mortgage, is there anything else that you are kind of working towards otherwise? Or is\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: I I don't\n\nChannel 0: No.\n\nChannel 1: think so at this stage. You know, again, with the new job, it's everything's going well here. I I love my apartment. I live sort of\n\nChannel 0: Yeah.\n\nChannel 1: in right in the city, and it's all if it's\n\nChannel 0: Yeah.\n\nChannel 1: it's all about sort of the lifestyle that that all facilitates.\n\nChannel 0: Yeah. It sounds like\n\nChannel 1: K.\n\nChannel 0: it's beautiful. I used to live down in what was it called? It was near the Royal Women Hospital.\n\nChannel 1: Oh, okay. Yeah. Yeah. Yep.\n\nChannel 0: Like, near, like, the race courses and stuff like\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Yeah. Yeah. Out that way. Yeah. Yeah.\n\nSo the Flemington\n\nChannel 0: Yeah.\n\nChannel 1: area. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: And it was\n\nChannel 1: Yep.\n\nChannel 0: transportation is great in Melbourne.\n\nChannel 1: Yes. That's\n\nChannel 0: It was\n\nChannel 1: enough\n\nChannel 0: so\n\nChannel 1: little\n\nChannel 0: good.\n\nChannel 1: pocket. Yeah. I\n\nChannel 0: And\n\nChannel 1: mean,\n\nChannel 0: then\n\nChannel 1: I\n\nChannel 0: you got\n\nChannel 1: I barely use transport. I mean, I I just walk everywhere. It's a walk to work.\n\nChannel 0: yeah.\n\nChannel 1: It's a walk to, you know, the theaters\n\nChannel 0: Yeah.\n\nChannel 1: and the shows that I go and see and everything else that I do. So\n\nChannel 0: Yeah.\n\nChannel 1: it's, you know, it's a great mix now. So\n\nChannel 0: Yeah. Oh, that's good. Now the next thing I do wanna run over with you there, James, is just a bit of an updated risk profile questionnaire. And that\n\nChannel 1: yep.\n\nChannel 0: is just to see if we need to make any changes to your risk profile in your super.\n\nChannel 1: Mhmm.\n\nChannel 0: So when it comes through time frames, are you still kind of planning on accessing a super at 65, or when do you think you'd want to look to retire?\n\nChannel 1: Look. At at this stage, yeah, it's just the standard retirement age, whatever it is. 65, 67, I would say.\n\nChannel 0: Mhmm. Because, yeah, it's 67 is potential age pension if you're eligible for that.\n\nChannel 1: Yeah.\n\nChannel 0: Otherwise, you if you retire, like, if you stop working, you can access your super tax rate at 60. At\n\nChannel 1: At sorry. At 65, just\n\nChannel 0: 60.\n\nChannel 1: to say.\n\nChannel 0: Six\n\nChannel 1: Sixty.\n\nChannel 0: zero.\n\nChannel 1: Okay.\n\nChannel 0: Yes. If you\n\nChannel 1: Look.\n\nChannel 0: stop\n\nChannel 1: I think I probably got a few more years than me than that.\n\nChannel 0: working.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: And then yeah. Because often as well, if we have people between, like, 60 and 65, if you want to reduce your hours, do you wanna work through a little bit from super, there's different strategies that we can look at\n\nChannel 1: Yeah.\n\nChannel 0: to to utilize that. But, otherwise, I'll leave it around 65\n\nChannel 1: Yep.\n\nChannel 0: as a benchmark for you. And do you think a weekly income of around 1,500 per week is still kind of the goal for you? Would that cover your expenses and stuff like that?\n\nChannel 1: That seems if I if I had the place paid off, then that probably seems more than I would necessarily need,\n\nChannel 0: Mhmm.\n\nChannel 1: but\n\nChannel 0: Mhmm.\n\nChannel 1: let's go with that as\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: a\n\nChannel 0: Now have you ever bought\n\nChannel 1: ballpark.\n\nChannel 0: direct shares yourself, by the way?\n\nChannel 1: No. No.\n\nChannel 0: Nope. And when it comes to how much risk you are willing to take for your superannuation, so would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and keep up with, you know, the rising prices and expenses and everything and grow your suit\n\nChannel 1: Yeah. I think I think I sort of moved from sort of the safe to the moderate last time or maybe the review before, And I I think I'm probably happy to stick with that. I'm certainly not a high risk person.\n\nChannel 0: Yep.\n\nChannel 1: But yeah. So I'm happy to to just sort of play,\n\nChannel 0: Okay.\n\nChannel 1: you\n\nChannel 0: Stay\n\nChannel 1: know, play a little bit of\n\nChannel 0: with\n\nChannel 1: the game, but but also make\n\nChannel 0: a\n\nChannel 1: sure I've got a a level\n\nChannel 0: bit\n\nChannel 1: of of, you know,\n\nChannel 0: more. Yeah.\n\nChannel 1: security\n\nChannel 0: Somewhere\n\nChannel 1: there.\n\nChannel 0: in the middle. Alright. Perfect. Moderate. Now when it comes to volatility as well, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due\n\nChannel 1: Mhmm.\n\nChannel 0: to general trends in the market. Would you say that you would want to take advantage of the dropping prices by thinking that now is a good time to invest a little bit more. Would you just kind of be a bit more neutral, hold and wait to see what happens, or would you want to shift to a more secure asset so that means you're out in selling when the prices have dropped?\n\nChannel 1: Oh, gosh. Yeah. I I look. I I don't know.\n\nChannel 0: No.\n\nChannel 1: I I think I I think, you know, I I I know that it's a long term thing. I think I'd probably be happy just to wait it out.\n\nChannel 0: Just write it up. Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And next one is in regards to fluctuations. So, obviously, in the last twelve months, we have seen quite a bit of fluctuations in the market.\n\nChannel 1: Yeah.\n\nChannel 0: We first had,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: obviously, Trump and everything in The US causing\n\nChannel 1: Yep.\n\nChannel 0: a bit of fluctuations, and then, obviously, more recently, the war and everything like that have seen\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of a shift in the market. So if it was something that you noticed with your superannuation or any of your other assets really, would you say that you would feel optimistic about potential future investment opportunities or a bit more kind of neutral with not making further investments or concerned or highly anxious?\n\nChannel 1: I think it's probably neutral to optimistic.\n\nChannel 0: Neutral?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Because probably\n\nChannel 0: Perfect.\n\nChannel 1: it's on the slightly more positive side of neutral, if that makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: And would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: I probably would not know.\n\nChannel 0: Probably not. No. Perfect. Now that tells me here that, James, that you have come out as a growth investor.\n\nChannel 1: Yep.\n\nChannel 0: And having\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of a look at your account, we do currently have you in a high growth portfolio.\n\nChannel 1: Okay.\n\nChannel 0: So do you know the difference between those two at all?\n\nChannel 1: Not the specifics. No.\n\nChannel 0: No.\n\nChannel 1: So so, basically, like, my previous answers were that I might be a bit more open to risk. Is that what you're saying?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Now just for your reference, like, they're both similar in you, obviously, trying to maximize growth as much as possible while you do have the time. But you are also prepared to experience, you know, some higher levels of fluctuation\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: in order to achieve that growth. Now\n\nChannel 1: Yeah.\n\nChannel 0: the difference\n\nChannel 1: Yeah.\n\nChannel 0: between them is that in a high growth, which is how you are currently invested,\n\nChannel 1: Yep.\n\nChannel 0: we typically see 90% invested in what we would call your growth investment. So that will be things like Australian shares, international shares, as well as property and commodities. And that is what's going to kind of maximize the return on for you.\n\nChannel 1: Yep.\n\nChannel 0: And then about 10% in defensive. So that will be, like, your cash, your gold, your fixed interest. Limit fluctuates a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Now a growth portfolio is about an eighty twenty split, so it's about a 10% difference.\n\nChannel 1: Okay. Yeah. I see. Yep.\n\nChannel 0: Now when we are looking at a high growth as well, so making sure you have enough\n\nChannel 1: Mhmm.\n\nChannel 0: time in the market for those fluctuations, we wanna allow at least eight years until\n\nChannel 1: Okay.\n\nChannel 0: retirement. Whereas a growth portfolio, we have about six. So from that, what would you feel you align with a bit more? Would you like to look at potentially reducing your risk a little bit and see what that would look like, or or how do you feel at the moment?\n\nChannel 1: Look. I mean, yeah, I think I'm I'm okay with with sitting where where it is at this at this\n\nChannel 0: Yeah.\n\nChannel 1: stage.\n\nChannel 0: You're okay with\n\nChannel 1: Yeah.\n\nChannel 0: high growth? Yeah.\n\nChannel 1: I think so. Yeah. Yeah.\n\nChannel 0: Okay. Yeah. We can definitely leave that now. If at any point in time that changes and you wanna revisit it, just let me know. It doesn't have to be a review time.\n\nIf at any point during the time you go, you know what? I do wanna look at changing it. We can always\n\nChannel 1: Mhmm.\n\nChannel 0: do the research and have a look at it for you.\n\nChannel 1: Yep.\n\nChannel 0: Because moving it to growth, you will have a little bit less fluctuation, but long term, you could have less growth as well.\n\nChannel 1: Yeah. Yeah. Exactly. Yeah. Yeah.\n\nChannel 0: Yep. Alright. Perfect. Now do you have access to your emails at the moment?\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: Oh, yeah? Okay. Perfect. So what I have done is I have to send you an email with some documents to run through quickly. If you could get that up for me.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And\n\nChannel 1: It\n\nChannel 0: we\n\nChannel 1: come\n\nChannel 0: have\n\nChannel 1: through yet.\n\nChannel 0: recently changed. You have it hasn't come through yet?\n\nChannel 1: Not yet. That's fine. I'll just I've got a fairly dodgy spam filter. I'm just gonna log on and just see whether\n\nChannel 0: Yes.\n\nChannel 1: it's been being trapped in.\n\nChannel 0: Because it should be by now. Because, also, we have recently changed the software. So\n\nChannel 1: Okay.\n\nChannel 0: it could be\n\nChannel 1: Yeah.\n\nChannel 0: if it's if it's the first time we've sent it through this software that it might not recognize it and put it\n\nChannel 1: Nothing's\n\nChannel 0: automatically as a BIN.\n\nChannel 1: yeah. Nothing's come through yet. Just let me keep looking.\n\nChannel 0: I have a look. It should have been within the last twenty seven minutes. I'll have a look and see here. It says online it's been done, but I'll just try to resend it and save\n\nChannel 1: Just wanna\n\nChannel 0: that.\n\nChannel 1: just check the email address as well, please.\n\nChannel 0: Yeah. Let me have a look here. Jdipnol@officenet.com.au?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Alright. I'll just try to resend it and see\n\nChannel 1: Yep.\n\nChannel 0: how that works. Samsung's technology at the end of the day as well\n\nChannel 1: Yeah. That's\n\nChannel 0: is not\n\nChannel 1: fine.\n\nChannel 0: now I've just resend it, so we'll see how we go. Are you happy for me to kind of run through some of the documents? I'll\n\nChannel 1: Of course.\n\nChannel 0: leave\n\nChannel 1: Yeah. Yeah. Yeah. Absolutely.\n\nChannel 0: the\n\nChannel 1: Yeah. Yeah. Yeah. Mhmm.\n\nChannel 0: the more technical ones too. Hopefully, you can see them.\n\nChannel 1: Yep.\n\nChannel 0: But when you do get it, then just let me know. Just kind of keep refreshing and text them and let me\n\nChannel 1: Yeah.\n\nChannel 0: know\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: it's just a consent. But\n\nChannel 1: Oh, hang on. I think it's just arrived.\n\nChannel 0: oh,\n\nChannel 1: There it is. Yep. Got\n\nChannel 0: perfect.\n\nChannel 1: it.\n\nChannel 0: Oh, that's\n\nChannel 1: Thank\n\nChannel 0: good.\n\nChannel 1: you. Thanks for calling.\n\nChannel 0: Now before you click on the link where it says\n\nChannel 1: Mhmm.\n\nChannel 0: sign now, at the bottom of that email, can you see a couple of\n\nChannel 1: Yep.\n\nChannel 0: attachments?\n\nChannel 1: It's loaded up.\n\nChannel 0: Yep.\n\nChannel 1: Documents and\n\nChannel 0: Perfect.\n\nChannel 1: volume. Yep. Mhmm.\n\nChannel 0: Now if you wanna open the 2025 Vanguard index chart for me\n\nChannel 1: Mhmm.\n\nChannel 0: first, And just let me know when you can see that one. Okay?\n\nChannel 1: Yep. Yes. Correct.\n\nChannel 0: Yep. Perfect. Now you probably have seen this one last\n\nChannel 1: Mhmm.\n\nChannel 0: time. Every year, Vanguard does up updated. So you can see here now it's been updated from 1995 through 2025.\n\nChannel 1: Yeah.\n\nChannel 0: It is just a good visual representation of what we are talking about when we're talking\n\nChannel 1: Mhmm.\n\nChannel 0: about the market. Basically, you can see here that over the long term, the market always goes up.\n\nChannel 1: Of\n\nChannel 0: The\n\nChannel 1: course.\n\nChannel 0: short term, there will be some ups and downs and market fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: And that's why those time frames come in handy as well just to kind of measure things. But\n\nChannel 1: Mhmm.\n\nChannel 0: just for your reference, what that high growth means is that 90% in your top four. So you can see that these are the ones that grow the most, but also fluctuate the most. And then 10% in the bottom three.\n\nChannel 1: Yep.\n\nChannel 0: Yep. That all makes sense?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. Now the next one there is that you'll have a '24 performance report. Is that the one that you can see?\n\nChannel 1: '24 have 24 performance with IIIs.\n\nChannel 0: Yes.\n\nChannel 1: Is that right?\n\nChannel 0: Yes,\n\nChannel 1: Yep.\n\nChannel 0: please. Yep. If you can open that one for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Now this one here might usually looks a little bit more messier, but it is you're showing a breakdown of your portfolio. So like\n\nChannel 1: Yep.\n\nChannel 0: we kind of touched on the last twelve months, the markets have been a little bit kind of uneven.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: A small group of companies and mainly kind of, like, The US and stuff have driven a lot of the headlines, and some other\n\nChannel 1: Yep.\n\nChannel 0: areas haven't really kept up with the same extent.\n\nChannel 1: Yep.\n\nChannel 0: Looking at your portfolio, though, over the last twelve months, and this is all net of fees, it's kind of performing as we've expected. So it's still positive, which is good,\n\nChannel 1: Yep.\n\nChannel 0: but it's about 5.54% after\n\nChannel 1: Okay.\n\nChannel 0: fees,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: which in when we're looking at your actual investments, it's still pretty good considering what's happened in the market.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Now some areas have done really well. It's that The US exposure, have done really well as well,\n\nChannel 1: Mhmm.\n\nChannel 0: as well as some of their valuation, allocation in Australia. But\n\nChannel 1: Yeah.\n\nChannel 0: at the same time, we have seen some other areas being a little bit weaker, which is often also how will we design your portfolio because you wanna make sure you have it diversified. So if there are certain\n\nChannel 1: Yeah.\n\nChannel 0: areas that is you're more cyclical or, you know, we wanna make sure that if some areas are performing really well, we then kind of balance that out a little bit as well.\n\nChannel 1: Yep.\n\nChannel 0: So some of the kind of special areas have underperformed a little bit, and that the one that I do wanna talk to you about is potentially changing, is one of the investments. So most of the other investments are still keeping up with, the market trends and and everything\n\nChannel 1: Yep.\n\nChannel 0: like that, so not too concerned about it. But there is one investment that I would like to do a little bit more research and look to swapping out for you if you are comfortable with that.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Sure.\n\nChannel 0: that is your Benelon Australian equity fund. So\n\nChannel 1: Yep.\n\nChannel 0: that one here, when it was added\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: see.\n\nChannel 0: portfolio\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So that one is underperforming a little bit at the moment. And\n\nChannel 1: Yeah.\n\nChannel 0: sometimes as well, if you see, for example, like, cybersecurity, which is down a little bit at the moment, we do foresee that one kind of coming back around, and there's obviously a lot of opportunities in that space. So from\n\nChannel 1: Yeah.\n\nChannel 0: a cyclical point of view, he's not too concerned about that, and it's kind of expected. But with the Benelon one, we've done a lot of research on the investments. And\n\nChannel 1: Mhmm.\n\nChannel 0: when it was added to your portfolio, it was performing really strongly, and they were\n\nChannel 1: Mhmm.\n\nChannel 0: one of the best performing fund managers.\n\nChannel 1: Yeah.\n\nChannel 0: That's not to say that that's always going to be the case, which is why the annual reviews are so important. And we've been along they've been a little bit slower in making the investment choices at the moment.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And one of the investments that they actually had in their portfolio was the corporate travel group. I'm not sure if you've read or heard anything about it, but that company had a bit of issues with that reporting, which actually\n\nChannel 1: Yep.\n\nChannel 0: caused them to be suspended from trading. So that\n\nChannel 1: Alright.\n\nChannel 0: kind of caused,\n\nChannel 1: Okay.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: caused a bit of a bit of a dip in it.\n\nChannel 1: Yep. A bit of a hiccup?\n\nChannel 0: So even though, yeah, even though it wasn't them, they were just\n\nChannel 1: Mhmm.\n\nChannel 0: one of the companies that they had. It obviously\n\nChannel 1: Yep.\n\nChannel 0: had its impact. So\n\nChannel 1: Yep.\n\nChannel 0: we've done a lot of research, and we feel like there's a lot of better options out there that we\n\nChannel 1: Sure.\n\nChannel 0: can block the phen along\n\nChannel 1: Absolutely.\n\nChannel 0: for you. So if\n\nChannel 1: Yeah.\n\nChannel 0: you are happy for me to do that, I would like to do a bit\n\nChannel 1: Yep.\n\nChannel 0: more research and see which one we wanna potentially swap it out for you\n\nChannel 1: Yep.\n\nChannel 0: and making sure we always have you in the best position as possible. And I do wanna factor in as well if there's any, you know, tax consequences and fees and returns. So what\n\nChannel 1: Yep.\n\nChannel 0: I will do is I will do some research and put put it together in a bit of a proposal for you. I will run\n\nChannel 1: Yep.\n\nChannel 0: through the changes, and then you can let me know what you think.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it will take me about a week and a half roughly\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: good.\n\nChannel 0: put that\n\nChannel 1: Yep.\n\nChannel 0: all together. So when is usually a best time for you to go through that?\n\nChannel 1: Look. I I'd really prefer it sort of as late in the day as possible so that\n\nChannel 0: Yep.\n\nChannel 1: I can, you know, it's it's\n\nChannel 0: As\n\nChannel 1: not\n\nChannel 0: late\n\nChannel 1: eating\n\nChannel 0: as\n\nChannel 1: into\n\nChannel 0: possible.\n\nChannel 1: the workday.\n\nChannel 0: Yeah.\n\nChannel 1: I can tell you that next week is not a good week. I've got stuff on every evening, so there's not really\n\nChannel 0: Yep.\n\nChannel 1: any time next week.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: we'd have to push it into the into the week after if we could.\n\nChannel 0: That's okay. Because all my afternoons, I fully booked next week anyway.\n\nChannel 1: Great.\n\nChannel 0: It's usually\n\nChannel 1: Good. Good.\n\nChannel 0: the\n\nChannel 1: Good.\n\nChannel 0: ones that go the fast.\n\nChannel 1: Yeah.\n\nChannel 0: So let me see here. I could probably do I could do 05:00 on Wednesday, the twentieth. Would that work?\n\nChannel 1: Yeah. How long would the appointment be, do you think?\n\nChannel 0: It would be fairly it'll be quicker than today\n\nChannel 1: Yep.\n\nChannel 0: because there wouldn't be too many changes. So it usually\n\nChannel 1: Yep.\n\nChannel 0: can be done in maybe fifteen minutes or so.\n\nChannel 1: Oh, fine. Yeah. Yeah. Yeah. That that\n\nChannel 0: Yeah.\n\nChannel 1: would be fine. That's\n\nChannel 0: Would\n\nChannel 1: yeah.\n\nChannel 0: that\n\nChannel 1: The\n\nChannel 0: work?\n\nChannel 1: twentieth. 05:00 on the\n\nChannel 0: Okay.\n\nChannel 1: twentieth. Yeah.\n\nChannel 0: Otherwise, I could do Tuesday the nineteenth at five again if\n\nChannel 1: No.\n\nChannel 0: that will\n\nChannel 1: The\n\nChannel 0: be better.\n\nChannel 1: the twentieth is is actually good if if\n\nChannel 0: It's\n\nChannel 1: we were\n\nChannel 0: better?\n\nChannel 1: able to do five.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. So I'll book that in. Now if anything does change and you can't make it,\n\nChannel 1: Yep.\n\nChannel 0: let me know, and I'll see if I can get it reshuffled\n\nChannel 1: Yep.\n\nChannel 0: for you.\n\nChannel 1: Yep. That should\n\nChannel 0: Would\n\nChannel 1: be fine.\n\nChannel 0: would you like a reminder text sent, like, two hours before in case something comes up for you?\n\nChannel 1: No. That's fine. I'll I've\n\nChannel 0: No.\n\nChannel 1: popped it\n\nChannel 0: That's\n\nChannel 1: in\n\nChannel 0: okay.\n\nChannel 1: the diary. That's okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Good.\n\nChannel 0: Alright.\n\nChannel 1: Thank you.\n\nChannel 0: So that is Wednesday, May 20\n\nChannel 1: Yeah.\n\nChannel 0: at 5PM,\n\nChannel 1: Yep.\n\nChannel 0: and I'll give you usually, if you do have access to your emails, it is good because I will actually\n\nChannel 1: Yeah.\n\nChannel 0: send it\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: It should go through\n\nChannel 1: Yeah.\n\nChannel 0: similar to today. If you can't, it it should be fairly straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise,\n\nChannel 1: That's\n\nChannel 0: that is\n\nChannel 1: good.\n\nChannel 0: all booked in. Now almost finished for today, but, basically, the other reports you will see there, James, if you see a super insurance summary. Can you see that one?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. Now that one here gives you a bit of a breakdown of your super insurances at the moment. So\n\nChannel 1: Mhmm.\n\nChannel 0: you have your superannuation with twenty four, and you\n\nChannel 1: Yep.\n\nChannel 0: do have about 430,900\n\nChannel 1: Yep.\n\nChannel 0: in them, and\n\nChannel 1: Yep.\n\nChannel 0: that you also have your insurances with Zurich. So for your life and PPD, you have $654,604,\n\nChannel 1: Mhmm.\n\nChannel 0: all paid from within superannuation. So you do\n\nChannel 1: Yep.\n\nChannel 0: get a 15% tax rebate, and total premium is 4,309. Now are you still happy with the level of cover and everything like that\n\nChannel 1: Mhmm.\n\nChannel 0: that you\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: think\n\nChannel 0: your\n\nChannel 1: so.\n\nChannel 0: insurances? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And I can see that you don't have that income protection or through my insurance. Are you still comfortable with that?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Great. And now I won't get you to open it, but you will see as well. I'll let you have a read over that in your own time that in your emails, you will have a 08 c o c. That's just a certificate of currency for your insurances.\n\nSo it basically breaks down your insurances in a bit more detail,\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: but let's, you\n\nChannel 1: Yes.\n\nChannel 0: know, that's all\n\nChannel 1: Yep.\n\nChannel 0: paid and after that.\n\nChannel 1: Yep. I see that.\n\nChannel 0: Yep. And then the the last two, you will have an OQ financial services guide version four and then an OQ services guide version one. But you would\n\nChannel 1: Mhmm.\n\nChannel 0: have seen this one before. It's one of those compliance documents we\n\nChannel 1: Yep.\n\nChannel 0: we'll give you every year. We've had\n\nChannel 1: Yep.\n\nChannel 0: a bit of a change to marketing. None of the important information has changed, but as you do go and have a look at it, you will see we've had had some new photos and everything done, so\n\nChannel 1: Yep.\n\nChannel 0: a bit of\n\nChannel 1: Correct.\n\nChannel 0: revamping marketing\n\nChannel 1: Yep.\n\nChannel 0: and a bit of an extension to the team as well, which which you can see in there. If you do go and have a look at it, you'll also see myself in there if you do wanna put a face to the voice.\n\nChannel 1: I will do that straight away. Where are\n\nChannel 0: Yeah.\n\nChannel 1: you? There you are. Okay. Got\n\nChannel 0: Yep.\n\nChannel 1: you. Yeah. Okay. Yeah.\n\nChannel 0: Now, otherwise, if you are happy to do so, if you wanna press where it says sign now,\n\nChannel 1: Mhmm.\n\nChannel 0: it will ask you to sign through document.\n\nChannel 1: Yep.\n\nChannel 0: Now one will be your ongoing service agreement,\n\nChannel 1: Mhmm.\n\nChannel 0: which is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure that stays\n\nChannel 1: Yep.\n\nChannel 0: exactly the same at 1.65 from. No\n\nChannel 1: Mhmm.\n\nChannel 0: changes in regards to that, and it is not a lock in contract. So if at any\n\nChannel 1: Yep.\n\nChannel 0: point in time you are not happy, it is not a lock in contract, but this just lets us service your account and everything in the meantime.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And then the last one we should ask you to add a signature is a tax file number\n\nChannel 1: Yeah.\n\nChannel 0: opt in\n\nChannel 1: Yeah.\n\nChannel 0: form, which is just a compliance form as well just to say that we are keeping your tax phone number if\n\nChannel 1: Yeah.\n\nChannel 0: you're on file. And then once you've\n\nChannel 1: Okay.\n\nChannel 0: added both the signatures, if you're happy to do\n\nChannel 1: Yep.\n\nChannel 0: so, it should say validate, and\n\nChannel 1: Yeah.\n\nChannel 0: then I\n\nChannel 1: I'm\n\nChannel 0: think\n\nChannel 1: just\n\nChannel 0: it will\n\nChannel 1: going\n\nChannel 0: send\n\nChannel 1: into\n\nChannel 0: it\n\nChannel 1: that.\n\nChannel 0: back to me.\n\nChannel 1: Yeah. Just go ahead and just do the signature.\n\nChannel 0: And I think sometimes they even ask you to draw it as well, which\n\nChannel 1: Yeah. No. I've got\n\nChannel 0: is\n\nChannel 1: an\n\nChannel 0: funny.\n\nChannel 1: an upload that I can can do fairly\n\nChannel 0: Perfect.\n\nChannel 1: quickly. That is all done. Validate. Yep. Yep.\n\nYep. Yep. Validate and send.\n\nChannel 0: Yep. And then I'll just refresh that, and it should send through to me. Usually, it's pretty instant.\n\nChannel 1: Yep. It's still just loading at this end.\n\nChannel 0: No. That's okay.\n\nChannel 1: Okay. That's that has done, and I've done my little signed copy of it.\n\nChannel 0: Yep. So if if it is that you wanna download a copy, it should all be saved on your account there for you that\n\nChannel 1: Yeah.\n\nChannel 0: you can download it. If not, we always have a copy on file. So if\n\nChannel 1: Of\n\nChannel 0: it's\n\nChannel 1: course.\n\nChannel 0: ever that\n\nChannel 1: Yeah.\n\nChannel 0: you you wanted, it's all here on file for you.\n\nChannel 1: Yep.\n\nChannel 0: And I can see on my end that that has come through, which is great. So I will get\n\nChannel 1: Right.\n\nChannel 0: the team to get that sorted. I will also let the team know to email those beneficiary forms for you and prefill them for you.\n\nChannel 1: Yep.\n\nChannel 0: Because you are making a legal nomination, they just have to be printed and but signed a witness.\n\nChannel 1: Yep.\n\nChannel 0: Then you can send it back, and we'll get that sorted for you. Otherwise, I do have you booked in on Wednesday, May 20\n\nChannel 1: Twenty to\n\nChannel 0: at\n\nChannel 1: the twentieth.\n\nChannel 0: 5PM,\n\nChannel 1: Great.\n\nChannel 0: yep, to go through that research. But do you have any other questions or need anything else from me otherwise today, James, before I let you go and enjoy your afternoon?\n\nChannel 1: No. All good. Thank you very\n\nChannel 0: No?\n\nChannel 1: much.\n\nChannel 0: Alright. Perfect. Well, I will let you go. Thank you so much for your time and patience today, and I\n\nChannel 1: Thank\n\nChannel 0: look forward\n\nChannel 1: you,\n\nChannel 0: to\n\nChannel 1: Veronica.\n\nChannel 0: speaking with you on the twentieth.\n\nChannel 1: Excellent. Look forward to it. Take care.\n\nChannel 0: Mhmm. No worries. You\n\nChannel 1: Thanks\n\nChannel 0: too.\n\nChannel 1: again.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.76,"end":4.08,"sentiment":"neutral","sentiment_score":0.013459108769893646},{"text":"James speaking.","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.019429081119596958}],"sentiment":"neutral","sentiment_score":0.017439090336362522,"channel":1,"num_words":3,"start":3.76,"end":4.98},{"sentences":[{"text":"Good afternoon, James.","start":5.44,"end":6.56,"sentiment":"neutral","sentiment_score":0.30748113989830017},{"text":"This is Veronica from OTU Financial.","start":6.56,"end":8.58,"sentiment":"neutral","sentiment_score":0.29471366355816525},{"text":"How are you this afternoon?","start":8.72,"end":9.94,"sentiment":"neutral","sentiment_score":0.2783335864543915}],"sentiment":"neutral","sentiment_score":0.291599523808275,"channel":0,"num_words":14,"start":5.44,"end":9.94},{"sentences":[{"text":"I'm very well.","start":10.16,"end":10.88,"sentiment":"positive","sentiment_score":0.5915544827779134},{"text":"Thanks.","start":10.88,"end":11.2,"sentiment":"positive","sentiment_score":0.6222583651542664},{"text":"And you?","start":11.2,"end":11.86,"sentiment":"positive","sentiment_score":0.33670447766780853}],"sentiment":"positive","sentiment_score":0.5117217948039373,"channel":1,"num_words":6,"start":10.16,"end":11.86},{"sentences":[{"text":"Good.","start":12.08,"end":12.48,"sentiment":"positive","sentiment_score":0.4962459206581116},{"text":"I'm well.","start":12.48,"end":13.04,"sentiment":"positive","sentiment_score":0.4965452700853348},{"text":"Thanks.","start":13.04,"end":13.54,"sentiment":"positive","sentiment_score":0.6180192828178406},{"text":"I had you booked in to go over your annual review.","start":14.455,"end":16.775,"sentiment":"neutral","sentiment_score":0.30979680066758936},{"text":"Is now still a good time for you?","start":16.775,"end":18.395,"sentiment":"neutral","sentiment_score":0.2610078863799572}],"sentiment":"neutral","sentiment_score":0.330573201827381,"channel":0,"num_words":23,"start":12.08,"end":18.395},{"sentences":[{"text":"Yeah.","start":18.494999,"end":18.895,"sentiment":"neutral","sentiment_score":0.052706412971019745},{"text":"Sure.","start":18.895,"end":19.215,"sentiment":"neutral","sentiment_score":0.04301656410098076},{"text":"I'm just in","start":19.215,"end":19.695,"sentiment":"neutral","sentiment_score":0.012206804007291794}],"sentiment":"neutral","sentiment_score":0.026468677818775176,"channel":1,"num_words":5,"start":18.494999,"end":19.695},{"sentences":[{"text":"Yeah.","start":19.654999,"end":20.154999,"sentiment":"neutral","sentiment_score":-0.006597596220672131}],"sentiment":"neutral","sentiment_score":-0.006597596220672131,"channel":0,"num_words":1,"start":19.654999,"end":20.154999},{"sentences":[{"text":"the middle of making a coffee.","start":19.695,"end":20.814999,"sentiment":"neutral","sentiment_score":-0.023526592180132866},{"text":"Just bear with me if there's some gurgling noises in the in the background.","start":20.814999,"end":24.515,"sentiment":"neutral","sentiment_score":-0.07014547953648227}],"sentiment":"neutral","sentiment_score":-0.056159813329577445,"channel":1,"num_words":20,"start":19.695,"end":24.515},{"sentences":[{"text":"No.","start":24.055,"end":24.375,"sentiment":"neutral","sentiment_score":-0.05266423523426056},{"text":"That's","start":24.375,"end":24.875,"sentiment":"neutral","sentiment_score":-0.03270849213004112}],"sentiment":"neutral","sentiment_score":-0.04268636368215084,"channel":0,"num_words":2,"start":24.055,"end":24.875},{"sentences":[{"text":"But","start":24.654999,"end":25.154999,"sentiment":"neutral","sentiment_score":0.008526422083377838}],"sentiment":"neutral","sentiment_score":0.008526422083377838,"channel":1,"num_words":1,"start":24.654999,"end":25.154999},{"sentences":[{"text":"that's all good.","start":24.935,"end":26.235,"sentiment":"neutral","sentiment_score":0.23358801503976187},{"text":"How's your day been?","start":27.68,"end":28.72,"sentiment":"neutral","sentiment_score":0.08101619407534599},{"text":"Been busy or just kind of wrapping","start":28.72,"end":30.48,"sentiment":"neutral","sentiment_score":-0.055939516318695884}],"sentiment":"neutral","sentiment_score":0.045232300513557026,"channel":0,"num_words":14,"start":24.935,"end":30.48},{"sentences":[{"text":"yeah.","start":30.43,"end":30.93,"sentiment":"neutral","sentiment_score":-0.05453804135322571}],"sentiment":"neutral","sentiment_score":-0.05453804135322571,"channel":1,"num_words":1,"start":30.43,"end":30.93},{"sentences":[{"text":"things up?","start":30.48,"end":31.3,"sentiment":"neutral","sentiment_score":-0.015618086326867342}],"sentiment":"neutral","sentiment_score":-0.015618086326867342,"channel":0,"num_words":2,"start":30.48,"end":31.3},{"sentences":[{"text":"That's been a just in a normal day at work.","start":31.47,"end":33.63,"sentiment":"neutral","sentiment_score":0.09201442599296569},{"text":"That's all all going 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you.","start":2436.99,"end":2440.9849,"sentiment":"neutral","sentiment_score":0.13653436601161956}],"sentiment":"neutral","sentiment_score":0.13653436601161956,"channel":0,"num_words":10,"start":2436.99,"end":2440.9849},{"sentences":[{"text":"Yep.","start":2441.18,"end":2441.68,"sentiment":"neutral","sentiment_score":0.21331624686717987}],"sentiment":"neutral","sentiment_score":0.21331624686717987,"channel":1,"num_words":1,"start":2441.18,"end":2441.68},{"sentences":[{"text":"And I can see on my end that that has come through, which is great.","start":2441.365,"end":2444.885,"sentiment":"positive","sentiment_score":0.4110088566939036},{"text":"So I will get","start":2444.885,"end":2445.525,"sentiment":"neutral","sentiment_score":0.23579932004213333}],"sentiment":"positive","sentiment_score":0.3741226384514256,"channel":0,"num_words":19,"start":2441.365,"end":2445.525},{"sentences":[{"text":"Right.","start":2445.42,"end":2445.92,"sentiment":"neutral","sentiment_score":0.19208016991615295}],"sentiment":"neutral","sentiment_score":0.19208016991615295,"channel":1,"num_words":1,"start":2445.42,"end":2445.92},{"sentences":[{"text":"the team to get that sorted.","start":2445.525,"end":2447.625,"sentiment":"neutral","sentiment_score":0.15596808244784674},{"text":"I will also let the team know to email those beneficiary forms for you and prefill them for you.","start":2448.325,"end":2453.4648,"sentiment":"neutral","sentiment_score":0.1935225874185562}],"sentiment":"neutral","sentiment_score":0.18450950622558593,"channel":0,"num_words":25,"start":2445.525,"end":2453.4648},{"sentences":[{"text":"Yep.","start":2454.075,"end":2454.575,"sentiment":"neutral","sentiment_score":0.10740478336811066}],"sentiment":"neutral","sentiment_score":0.10740478336811066,"channel":1,"num_words":1,"start":2454.075,"end":2454.575},{"sentences":[{"text":"Because you are making a legal nomination, they just have to be printed and but signed a witness.","start":2454.1401,"end":2458.8,"sentiment":"neutral","sentiment_score":0.10691702034738329}],"sentiment":"neutral","sentiment_score":0.10691702034738329,"channel":0,"num_words":18,"start":2454.1401,"end":2458.8},{"sentences":[{"text":"Yep.","start":2459.195,"end":2459.55,"sentiment":"neutral","sentiment_score":0.14237672090530396}],"sentiment":"neutral","sentiment_score":0.14237672090530396,"channel":1,"num_words":1,"start":2459.195,"end":2459.55},{"sentences":[{"text":"Then you can send it back, and we'll get that sorted for you.","start":2459.74,"end":2463.36,"sentiment":"neutral","sentiment_score":0.21049493322005638},{"text":"Otherwise, I do have you booked in on Wednesday, May 20","start":2464.22,"end":2467.7402,"sentiment":"neutral","sentiment_score":0.09830412675033916}],"sentiment":"neutral","sentiment_score":0.15907414692143598,"channel":0,"num_words":24,"start":2459.74,"end":2467.7402},{"sentences":[{"text":"Twenty 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twentieth.","start":2467.79,"end":2468.43,"sentiment":"neutral","sentiment_score":0.10531305894255638}],"sentiment":"neutral","sentiment_score":0.10531305894255638,"channel":1,"num_words":2,"start":2467.79,"end":2468.43},{"sentences":[{"text":"5PM,","start":2468.105,"end":2468.9849,"sentiment":"neutral","sentiment_score":0.16416053473949432}],"sentiment":"neutral","sentiment_score":0.16416053473949432,"channel":0,"num_words":1,"start":2468.105,"end":2468.9849},{"sentences":[{"text":"Great.","start":2468.43,"end":2468.93,"sentiment":"positive","sentiment_score":0.54483962059021}],"sentiment":"positive","sentiment_score":0.54483962059021,"channel":1,"num_words":1,"start":2468.43,"end":2468.93},{"sentences":[{"text":"yep, to go through that research.","start":2468.9849,"end":2470.6648,"sentiment":"positive","sentiment_score":0.3364421104391416},{"text":"But do you have any other questions or need anything else from me otherwise today, James, before I let you go and enjoy your afternoon?","start":2470.6648,"end":2476.845,"sentiment":"neutral","sentiment_score":0.09442869946360588}],"sentiment":"neutral","sentiment_score":0.14127000481370958,"channel":0,"num_words":31,"start":2468.9849,"end":2476.845},{"sentences":[{"text":"No.","start":2477.165,"end":2477.485,"sentiment":"neutral","sentiment_score":-0.18017295002937317},{"text":"All good.","start":2477.485,"end":2477.885,"sentiment":"neutral","sentiment_score":0.14147773385047913},{"text":"Thank you very","start":2477.885,"end":2478.445,"sentiment":"neutral","sentiment_score":0.1666158214211464}],"sentiment":"neutral","sentiment_score":0.10043833032250404,"channel":1,"num_words":6,"start":2477.165,"end":2478.445},{"sentences":[{"text":"No?","start":2478.4248,"end":2478.9048,"sentiment":"neutral","sentiment_score":-0.005522705614566803}],"sentiment":"neutral","sentiment_score":-0.005522705614566803,"channel":0,"num_words":1,"start":2478.4248,"end":2478.9048},{"sentences":[{"text":"much.","start":2478.445,"end":2478.945,"sentiment":"neutral","sentiment_score":0.16154326498508453}],"sentiment":"neutral","sentiment_score":0.16154326498508453,"channel":1,"num_words":1,"start":2478.445,"end":2478.945},{"sentences":[{"text":"Alright.","start":2478.9048,"end":2479.305,"sentiment":"neutral","sentiment_score":0.2141895741224289},{"text":"Perfect.","start":2479.305,"end":2479.785,"sentiment":"positive","sentiment_score":0.5409714579582214},{"text":"Well, I will let you go.","start":2479.785,"end":2480.825,"sentiment":"positive","sentiment_score":0.4979844093322754},{"text":"Thank you so much for your time and patience today, and I","start":2480.825,"end":2483.2249,"sentiment":"positive","sentiment_score":0.7223119487365087}],"sentiment":"positive","sentiment_score":0.6205405436456204,"channel":0,"num_words":20,"start":2478.9048,"end":2483.2249},{"sentences":[{"text":"Thank","start":2483.165,"end":2483.405,"sentiment":"positive","sentiment_score":0.6416118741035461}],"sentiment":"positive","sentiment_score":0.6416118741035461,"channel":1,"num_words":1,"start":2483.165,"end":2483.405},{"sentences":[{"text":"look 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from OTU Financial discuss the complexity of managing a self-manded super fund and the need for a yearly tax return. They also discuss employment and income, including wages, expenses, property, credit cards, health insurance, and estate planning. The speakers provide information on risk tolerance, retirement plans, and tax consequences, and suggest swapping out current investments and updating coverage information. They also offer a callback for a later appointment and provide guidance on filling out forms and updating coverage information."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you?","start_word":27,"end_word":45,"intents":[{"intent":"Schedule annual review","confidence_score":0.1391567}]},{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching Sure.","start_word":133,"end_word":157,"intents":[{"intent":"Confirm call recording","confidence_score":0.37059173}]},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific you would like me to focus on today or any particular questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months for you.","start_word":226,"end_word":282,"intents":[{"intent":"Focus on specific questions","confidence_score":0.018030167}]},{"text":"was a suggestion that it might be worth investigating buying property against the super Mhmm. or or potentially moving to a self managed model, which I'm less interested in because I don't I don't have the knowledge. That's that's what your job is, I guess. So I I guess maybe sort of a little bit of information Yes.","start_word":309,"end_word":366,"intents":[{"intent":"Investigate self-managed model","confidence_score":0.09855725}]},{"text":"that where you can you can buy it and, like, rent it out. Obviously, it has to be an arm's length, which is the purpose for your retirement. So it's not like you can Right. have it as a holiday house or or something like that or your property. Sometimes people think you can use to sell most of your time to buy your property if you don't have borrowing capacity elsewhere, Right.","start_word":734,"end_word":806,"intents":[{"intent":"Share retirement financial plans","confidence_score":5.4382093e-7}]},{"text":"I'll Are do you I'll happy just see for if I me can to find out what what last year okay. was Perfect.","start_word":1500,"end_word":1522,"intents":[{"intent":"Find out last year's contribution","confidence_score":0.05825567}]},{"text":"I have investment property about 400,000. Yeah.","start_word":1647,"end_word":1653,"intents":[{"intent":"Discuss investment property","confidence_score":0.0154272495}]},{"text":"So 600, and I have mortgage about $3.95. Yes.","start_word":1699,"end_word":1707,"intents":[{"intent":"Discuss mortgage payment","confidence_score":0.006600247}]},{"text":"that was to buy the car. Yep.","start_word":1766,"end_word":1772,"intents":[{"intent":"Discuss car purchase","confidence_score":0.04243753}]},{"text":"So, basically, from superannuation, it is quite strict on who you can nominate Right. directly because Yeah.","start_word":2487,"end_word":2503,"intents":[{"intent":"Nominate someone","confidence_score":0.13968262}]},{"text":"You need to have a close personal relationship, living together, and providing financial domestic Right. or personal care support.","start_word":2555,"end_word":2573,"intents":[{"intent":"Have a close personal relationship","confidence_score":0.04346044}]},{"text":"I have people who is like, well, I wanna give it to my nephew or niece or my cousin or my friend or my parents. The way to do that would be through your legal personal representative. So, essentially, on Yes. the form, you would complete legal personal representative at a 100%. Right.","start_word":2602,"end_word":2654,"intents":[{"intent":"Create estate by having legal representative","confidence_score":5.383515e-9}]},{"text":"And, basically, what that means is then revert to your will.","start_word":2655,"end_word":2665,"intents":[{"intent":"Revert to will","confidence_score":0.4847301}]},{"text":"be I could do Penelope in that she's the executor of my will. I could do that.","start_word":2684,"end_word":2700,"intents":[{"intent":"Have penelope participate in executor's will","confidence_score":0.000007998046}]},{"text":"the form, you would just complete it as a legal personal representative. I can get the team to pre fill that for you if you would like. That'd be great.","start_word":2712,"end_word":2741,"intents":[{"intent":"Complete form","confidence_score":0.69504994}]},{"text":"completely different people Oh, nominated. I see. Okay.","start_word":2773,"end_word":2780,"intents":[{"intent":"Have different people named","confidence_score":0.0004971595}]},{"text":"So we'll do the legal personal representative. Now there are two different types of nominations as well that you can do, which is you can have a lapsing or a non lapsing option. So non Mhmm. lapsing means that it stays in place until you decide to change it. Lapsing Yep. means that it expires every three years, and you have to redo it. What would you Okay.","start_word":2858,"end_word":2925,"intents":[{"intent":"Provide instructions","confidence_score":0.00013195179}]},{"text":"Next year, yes, there's a big Europe trip at the end of the year and potentially another sneaky one in the middle of the year as well. Oh, sounds lovely.","start_word":3416,"end_word":3445,"intents":[{"intent":"Discuss future plans","confidence_score":0.001765783}]},{"text":"So when it comes through time frames, are you still kind of planning on accessing a super at 65, or when do you think you'd want to look to retire? 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I probably would not know.","start_word":4409,"end_word":4428,"intents":[{"intent":"Explore portfolio options","confidence_score":0.0010416937}]},{"text":"Would you like to look at potentially reducing your risk a little bit and see what that would look like, or or how do you feel at the moment? Look.","start_word":4730,"end_word":4759,"intents":[{"intent":"Reducing risk","confidence_score":0.014234759}]},{"text":"We can definitely leave that now. If at any point in time that changes and you wanna revisit it, just let me know. It doesn't have to be a review time. If at any point during the time you go, you know what? I do wanna look at changing it. We can always Mhmm. do the research and have a look at it for you. Yep.","start_word":4795,"end_word":4860,"intents":[{"intent":"Revising documents","confidence_score":0.00012972258}]},{"text":"So what I have done is I have to send you an email with some documents to run through quickly. If you could get that up for me. Mhmm. Yep.","start_word":4910,"end_word":4939,"intents":[{"intent":"Sending emails","confidence_score":0.0099715255}]},{"text":"It says online it's been done, but I'll just try to resend it and save Just wanna that.","start_word":5062,"end_word":5079,"intents":[{"intent":"Resend email","confidence_score":0.05796077}]},{"text":"Are you happy for me to kind of run through some of the documents? I'll Of course.","start_word":5138,"end_word":5154,"intents":[{"intent":"Run through documents","confidence_score":0.7830902}]},{"text":"I think it's just arrived. oh, There it is. Yep.","start_word":5211,"end_word":5220,"intents":[{"intent":"Confirm arrival of documents","confidence_score":0.004058492}]},{"text":"It is just a good visual representation of what we are talking about when we're talking Mhmm. about the market. Basically, you can see here that over the long term, the market always goes up.","start_word":5330,"end_word":5364,"intents":[{"intent":"Confirm understanding about market","confidence_score":0.00015679187}]},{"text":"Looking at your portfolio, though, over the last twelve months, and this is all net of fees, it's kind of performing as we've expected. So it's still positive, which is good, Yep. but it's about 5.54% after Okay. fees, Mhmm. Mhmm. which in when we're looking at your actual investments, it's still pretty good considering what's happened in the market. Yeah.","start_word":5575,"end_word":5635,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.3467602}]},{"text":"So most of the other investments are still keeping up with, the market trends and and everything Yep. like that, so not too concerned about it. But there is one investment that I would like to do a little bit more research and look to swapping out for you if you are comfortable with that. Yeah. And Sure.","start_word":5776,"end_word":5833,"intents":[{"intent":"Discuss investments and research for portfolio changes","confidence_score":3.381818e-7}]},{"text":"So when is usually a best time for you to go through that?","start_word":6272,"end_word":6284,"intents":[{"intent":"Schedule a meeting","confidence_score":0.007751852}]},{"text":"So I'll book that in. Now if anything does change and you can't make it, Yep. let me know, and I'll see if I can get it reshuffled Yep.","start_word":6508,"end_word":6536,"intents":[{"intent":"Book appointment","confidence_score":0.33019796},{"intent":"Verify rescheduling","confidence_score":0.000022846569}]},{"text":"So I'll book that in. Now if anything does change and you can't make it, Yep. let me know, and I'll see if I can get it reshuffled Yep. for you.","start_word":6508,"end_word":6538,"intents":[{"intent":"Reshuffle appointment","confidence_score":0.115343}]},{"text":"would you like a reminder text sent, like, two hours before in case something comes up for you? No.","start_word":6545,"end_word":6563,"intents":[{"intent":"Request reminder text","confidence_score":0.14214425}]},{"text":"Now almost finished for today, but, basically, the other reports you will see there, James, if you see a super insurance summary. Can you see that one? Yes.","start_word":6648,"end_word":6675,"intents":[{"intent":"Provide report","confidence_score":0.0011406374}]},{"text":"Now that one here gives you a bit of a breakdown of your super insurances at the moment. So Mhmm.","start_word":6679,"end_word":6698,"intents":[{"intent":"Provide breakdown","confidence_score":0.019997925}]},{"text":"So for your life and PPD, you have $654,604, Mhmm. all paid from within superannuation. So you do Yep. get a 15% tax rebate, and total premium is 4,309. Now are you still happy with the level of cover and everything like that Mhmm.","start_word":6726,"end_word":6769,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.20104066}]},{"text":"And then the last one we should ask you to add a signature is a tax file number Yeah.","start_word":7168,"end_word":7186,"intents":[{"intent":"Create and send documents","confidence_score":0.00030856958}]},{"text":"No worries. You Thanks too. again. Bye. Bye. Bye. Bye.","start_word":7579,"end_word":7588,"intents":[{"intent":"Acknowledge purpose","confidence_score":0.00015813537}]}]},"sentiments":{"segments":[{"text":"Hello? James speaking. Good afternoon, James. This is Veronica from OTU Financial. How are you this afternoon?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.23676253855228424},{"text":"I'm very well. Thanks. And you? Good. I'm well. Thanks.","start_word":17,"end_word":26,"sentiment":"positive","sentiment_score":0.5243810415267944},{"text":"I had you booked in to go over your annual review. Is now still a good time for you? Yeah. Sure. I'm just in Yeah. the middle of making a coffee. Just bear with me if there's some gurgling noises in the in the background. No. That's But that's all good. How's your day been? Been busy or just kind of wrapping yeah. things up? That's been a just in a normal day at work.","start_word":27,"end_word":101,"sentiment":"neutral","sentiment_score":0.0664338544011116},{"text":"That's all all going pretty well.","start_word":102,"end_word":107,"sentiment":"positive","sentiment_score":0.3845213949680328},{"text":"So and, you know, got away a little bit early so I could get home and take your call. So Yeah. yeah.","start_word":108,"end_word":129,"sentiment":"neutral","sentiment_score":0.08783642202615738},{"text":"All good. Perfect.","start_word":130,"end_word":132,"sentiment":"positive","sentiment_score":0.3801809251308441},{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching Sure. purposes, if that's okay. Perfect. Yep. That's fine. And just for security purposes, just so I can confirm your identity, would you be able to confirm your full name, date of birth, and address, please? Yep. It's James David Dittel. Date of birth is the 1971, and Yep. the address is 1701 Of 33 City Road in the Southbank. Yep.","start_word":133,"end_word":217,"sentiment":"neutral","sentiment_score":0.0501767061650753},{"text":"Perfect. That's exactly what I have here.","start_word":218,"end_word":224,"sentiment":"positive","sentiment_score":0.3503757119178772},{"text":"Right. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific you would like me to focus on today or any particular questions or whether it's just a bit of an update and see kind of what's happened in the last twelve months for you. I'm probably okay with just an update. Yep. I did I did a review with the people that look after my rental property, and there Yes. was a suggestion that it might be worth investigating buying property against the super Mhmm. or or potentially moving to a self managed model, which I'm less interested in because I don't I don't have the knowledge. That's that's what your job is, I guess. So I I guess maybe sort of a little bit of information Yes. about That's about on either of those two options. yeah. And it it it's one of those tricky ones where there is a lot of talks in regards to self managed super funds, and Yep. and that is so if you wanna use your superannuation to buy a property, Yep. there is only two ways. So Yeah. one Okay. way is for it's the first time with the saver scheme, which, unfortunately, you wouldn't be eligible for No. because you already No. have a property. Yep. Sorry. That one is more designed to help people save up to buy the Yes. first property. Yep. Yeah. The other Yeah. one is the South Minnesota Superfund. That is kind of the only other way through by property. Okay. Yeah. No. No. That's that's sort of what I assumed. I just again, it was just it came up as a as a potential, and I think I'm probably happy just to sit tight for a little bit longer at this stage without worrying too much about investigating that. Yes. Yeah. And Yeah. if it's if it's done, track is something you wanna look at, we definitely do self made super funds Okay. as well.","start_word":225,"end_word":567,"sentiment":"neutral","sentiment_score":-0.015366269541638238},{"text":"All good.","start_word":568,"end_word":569,"sentiment":"positive","sentiment_score":0.551775336265564},{"text":"It depends on, obviously, your goals. Now I've seen more being closed down than open up, Yep. and often that is because there is because the self made super funds, it is self managed by the client. So if you are the trustee of it, you would you Right. would manage the self made super fund. You would also be compliant for everything. So making sure everything is in order, also having to do a yearly tax return and stuff like that for it. Yeah. Now That sounds rather more complicated than I really wanna buy into at this yeah. And that is often the case. People are like, yes.","start_word":570,"end_word":679,"sentiment":"neutral","sentiment_score":0.10716909170150755},{"text":"I love that idea.","start_word":680,"end_word":683,"sentiment":"positive","sentiment_score":0.38330626487731934},{"text":"And then when you go into it and, like, they're running costs stage. and stuff like But that, it's yeah. like, oh, Yep. maybe it's not always the best avenue. Mhmm. Often, we see it as well if you are, like, a a business owner or something like Yep. that where you can you can buy it and, like, rent it out. Obviously, it has to be an arm's length, which is the purpose for your retirement. So it's not like you can Right. have it as a holiday house or or something like that or your property. Sometimes people think you can use to sell most of your time to buy your property if you don't have borrowing capacity elsewhere, Right. which you can't. It has to Right. be Yeah. for an Okay. investment only. Yeah. Yeah. Yeah. That makes sense. So it is quite complex in in that way. Now, Okay. like Yep. yeah. So all if it is something you wanna explore later, we definitely can. But, yeah, there are a lot more running costs associated with it Yeah. I see. Yeah. Yeah. and more complexities in in regards to it. Yeah. But, yeah, if it is something down to track you are very interested in, just let us know because it is something we do as well. Okay. Okay. Cool. So, yeah, obviously, something to keep in mind, obviously, depending on what your goals and situation is like. Yeah. Yeah. But, otherwise, what I might run through with you first there, James, it's just a bit of an updated fact line just to see Yeah. if there is anything major that has changed in your life, if we need to Yep. make any changes to your advice. So just Sure. kinda bear with me as I go through this. Yep. Now I have you down here as with personal information as single with no financial dependent. Is that just That's correct. okay? Yep. Yep. Yep. Perfect. Now next up, Kin, I have I believe it's your friend, Penelope, noted down Yes. as next up Kin. Is that still the case Yes. as well? Yep. Perfect. And their phone number still ends in 956? I believe so. I will just quickly double check that. I don't think there's Yep. any change, but just bear with Yep. me. Yeah. No. Perfect. 956. Yeah. That's right. Yep.","start_word":684,"end_word":1081,"sentiment":"neutral","sentiment_score":0.018826226919103208},{"text":"Amazing.","start_word":1082,"end_word":1082,"sentiment":"positive","sentiment_score":0.6148263216018677},{"text":"Now when it comes to employment wise, has any of that changed, or are It you still certainly kind has of? yeah. You have? Yeah. So yes. Yeah. So I I mean, I just Okay. the the wage is around about the same. It's still about a 110 or so. Mhmm. Maybe a little bit well, I the main job is a 110. I have a casual job that, I think, last year, it contributed about, I don't know, 15,000 or maybe not quite that much, which is just like a second casual job. But, Yep. yeah, I've just I've just changed my employer. Okay. So still kind of doing the the venue management So side yes. of it? Yeah. Absolutely Yep. in the same yeah. The same thing. Yep. And who's your new employer? Is Melbourne Recital Center? Perfect. And when did you start there? Six weeks ago, March 23. Oh, yeah. And how are you finding it so far?","start_word":1083,"end_word":1243,"sentiment":"neutral","sentiment_score":0.008640816435217857},{"text":"I'm loving it.","start_word":1244,"end_word":1246,"sentiment":"positive","sentiment_score":0.6794623136520386},{"text":"It's a six Oh, minute that's walk from good. where I live rather Oh, than a half that hour child's half hour lovely. drive. So Yep. that's given me a fair back of fair bit of time and no Yay. petrol costs at a time when Oh, that's a good thing. yes. Coming very heavy right now. Yeah. So no. It's going it's going very well. Thank you. Oh, perfect. And still working, like, full time with them? Yes. Yeah. Absolutely. Okay. Yep. Perfect. And income, you said about a 110? 110. Yeah. Yep. And they pay the standard 12% employer contribution into super as well? They do. Yeah. Perfect. And what do you do with your casual job? That's also in venue management. It's running a small sort of community youth theater. I do, I guess, between one to three shifts a week on average. Yep. You know, just it's just three or four hours in the evening. It's, Yep. you know, just Alright. a couple $100 extra. Yeah. That makes a difference. And you said income is about 15,000? Look. I'm not a 100% sure on that. Let me see if I can find that Yeah. during the conversation. Okay. But, yeah, it's I mean, it just it's highly variable because it's based on Yeah. Casual. what shows are on in in in that venue. And but let me see what I can find out while I'm Even, talking like, yeah, to you. a bit of a rough rough ride. Yeah. I'll Are do you I'll happy just see for if I me can to find out what what last year okay.","start_word":1247,"end_word":1520,"sentiment":"neutral","sentiment_score":0.05555911340417653},{"text":"was Perfect.","start_word":1521,"end_word":1522,"sentiment":"positive","sentiment_score":0.3940719068050385},{"text":"And are you happy for me to go through some of the other bits where you find that, maybe. or would you like Yeah. me to just Sure. kind Actually, of wait? I can tell you now. I'm sorry. Actually, Yes. it was only After well, after tax, it was 4,300 last year. So tax. Perfect. And you get the 12% contribution there as well? Yeah. Amazing. Otherwise, you're not making any additional contributions yourself, just that yes. from both your No. employers. Yep. No. Perfect. No. And when it comes through assets, I have here your main property was last died at about 750,000. Yep. That sounds alright. Yep. Perfect. And mortgage about 156,000. What are we on there? Yes. Yep. Yep. Perfect. I have investment property about 400,000. Yeah. I think it's probably actually worth a fair bit more than that now. It's been a Yeah. fairly big rise. It's you can probably put it up to about well, I think about 6, actually. It's gone up Oh, quite nice. a lot. Yeah. Beautiful. So 600, and I have mortgage about $3.95. Yes. That's still about right. Yep. About right? Perfect. Yep. Motor vehicle, about 35,000. Yes. Mhmm. Yep. Nothing owing on that one. No. Yep. Perfect. And then I have a credit card of about 8,000. Yep. That's about right. Yep. Perfect. And then cash in the bank, so savings about 75. That's dropped down to 40 now because 40. that was to buy the car. Yep. Perfect. Any other new assets? We haven't No. gone through otherwise.","start_word":1523,"end_word":1783,"sentiment":"neutral","sentiment_score":0.05788189069978122},{"text":"Not perfect.","start_word":1784,"end_word":1785,"sentiment":"negative","sentiment_score":-0.35603317618370056},{"text":"No. Any No. other, Nothing's like, changed. personal loans or anything like that? No. No. No. Great. And when it comes to health and lifestyle, have you done here as a non smoker? Is that still the case? That's correct.","start_word":1786,"end_word":1825,"sentiment":"neutral","sentiment_score":0.01182636246085167},{"text":"Perfect.","start_word":1826,"end_word":1826,"sentiment":"positive","sentiment_score":0.4159519970417022},{"text":"And have you had any changes to your health in the last twelve months at all? No. No. No. Great. And do you have private health insurance? I do. Yes. Yep. And that's hospital as well? I think it's actually just basic at this stage. Just basic? Okay. Perfect. Because with your income as well, just be mindful for the Medicare levy surcharge, which Right. is let me check what is because it keeps changing because I think you'll be just on the edge. So what it is is an additional tax for Oh, high income okay. earner. Mhmm. And sometimes it's worth looking at, and it is you need hospital Mhmm. for it. So it's making sure you have appropriate hospital Sorry. cover. I'm totally lying. It's Simple Hospital with with Perfect. like, it's a basic it's a sorry. It's just That's good. I I always go for the absolute lowest, but, no, why That's would I fine. do hospital without hospital? It's it is of course, it is hospital. Perfect. Yes. I'm Okay. I've Cool. just found found the information online. Simple Great. hospital, but it's a basic That's fine. plan. So Perfect. yeah. Yeah. Yeah. And that's why most people because with the the changes so at the moment, otherwise, if you only were to have extras, so, like, Yep. no hospital, Yep. then if your income is over 101,000, which it is for Ah, your okay. case, Yes. I see. you would be liable to pay a a bit of that medical levy surcharge. Yep. I see. Yes. So sometimes it's worth looking at it. Sometimes people are like, oh, I don't see the the the purpose of having it. Like, that's fine. Just look at the math. Sometimes it works out cheaper Yep. for Yeah. you. Yeah. Of course. Yeah. Exactly. Yeah. So, yeah, often that's why a lot of people have it as well. It's like, well, if if you pay maybe Yeah. a tiny bit more, but you have you have the private health than having to pay the extra tax. Yep.","start_word":1827,"end_word":2175,"sentiment":"neutral","sentiment_score":0.010555416249528656},{"text":"So that's Yep. good that you have it because you're over the threshold, so that's good.","start_word":2176,"end_word":2191,"sentiment":"positive","sentiment_score":0.6408490538597107},{"text":"Yep. Absolutely. Now when it comes to estate planning wise, do you have a will or power of attorney or anything I like that? do have a will in place now. Yeah. Yes.","start_word":2192,"end_word":2224,"sentiment":"neutral","sentiment_score":0.092120960354805},{"text":"Amazing.","start_word":2225,"end_word":2225,"sentiment":"positive","sentiment_score":0.3663361072540283},{"text":"Because I know that was on the to do list last time, Yes. so that's It was.","start_word":2226,"end_word":2242,"sentiment":"neutral","sentiment_score":0.20876145362854004},{"text":"great.","start_word":2243,"end_word":2243,"sentiment":"positive","sentiment_score":0.5154922008514404},{"text":"And when you got the will, do you know if a part of that you made a nomination for power of attorney? I don't think there's a formal nomination. I mean, Penelope is listed as, you know, the the not the beneficiary, but we you know, the person who's responsible for it. Yes. So Yeah. Okay. yeah. Perfect. And but you didn't have anyone who makes any financial decisions on your behalf or No. anything like that? No. Now when it comes through to and your insurances as well, we don't have a nomination at the moment. So did you ever receive your hub 24 and your zero beneficiary forms in the post at all? You know what? I feel as Mhmm. though I did, and I've done absolutely nothing about that. Yes. That's Yes. okay. I might not be able to dig that out. Yeah. You you might Would need to you resend like us it, to please. re yeah. Perfect. Yes, please. Now do you prefer email if you have access to a Email printer, would or do be you want so much easier. yeah. Yes, please. Perfect. I will get that emailed. I'll get the team to email that to you. So so with that with that, like, it's I have to nominate a person, do I? Like, an individual person? Yes and no. It doesn't have to be a person. It depends on how you want to do it. So, basically, from superannuation, it is quite strict on who you can nominate Right. directly because Yeah. of this this act. So if you can nominate someone directly, Yep. it has to be a spouse, a child, Yep. someone who are financial dependent on you or in an interdependency relationship, which Alright. essentially is someone who must remain financially dependent on you at the time of your passing. You need to have a close personal relationship, living together, and providing financial domestic Right. or personal care support. Mhmm. And often, a lot of clients, it's like, well, if if I don't have any financial dependence or a partner, who do I nominate? Or sometimes Yeah. I have people who is like, well, I wanna give it to my nephew or niece or my cousin or my friend or my parents. The way to do that would be through your legal personal representative. So, essentially, on Yes. the form, you would complete legal personal representative at a 100%. Right. And, basically, what that means is then revert to your will. And then in the will, Yes. it will So be so I what could you it would want. be I could do Penelope in that she's the executor of my will. I could do that. Correct. You can 100% Yeah. do that. Sorry. For for Yep. the form, you would just complete it as a legal personal representative. I can get the team to pre fill that for you if you would like.","start_word":2244,"end_word":2738,"sentiment":"neutral","sentiment_score":0.007568072929338674},{"text":"That'd be great.","start_word":2739,"end_word":2741,"sentiment":"positive","sentiment_score":0.37623700499534607},{"text":"Yeah. Yeah.","start_word":2742,"end_word":2743,"sentiment":"neutral","sentiment_score":0.23236510157585144},{"text":"Thank you. Perfect.","start_word":2744,"end_word":2746,"sentiment":"positive","sentiment_score":0.4521750509738922},{"text":"Yep. Then that way because your superannuation, it does not feel part of the estate if something were to Right. happen, but you can have Yes. completely different people Oh, nominated. I see. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. But Yeah. this way, I see. doing it through legal personal representative, you're saying, no. I want it to go to my will. And then, yeah, exactly, Yep. in your will, you can then have it whoever you want to. You could have it in non for profit.","start_word":2747,"end_word":2833,"sentiment":"neutral","sentiment_score":-0.024991340935230255},{"text":"You could have it wherever you want.","start_word":2834,"end_word":2840,"sentiment":"positive","sentiment_score":0.37607985734939575},{"text":"Yeah. Okay. Yeah. That's certainly So, what I would what I would prefer.","start_word":2841,"end_word":2853,"sentiment":"neutral","sentiment_score":0.22165396809577945},{"text":"Yes. Absolutely.","start_word":2854,"end_word":2855,"sentiment":"positive","sentiment_score":0.40797486901283264},{"text":"yeah. Alright. So we'll do the legal personal representative. Now there are two different types of nominations as well that you can do, which is you can have a lapsing or a non lapsing option. So non Mhmm. lapsing means that it stays in place until you decide to change it. Lapsing Yep. means that it expires every three years, and you have to redo it. What would you Okay. prefer? Yeah. Look. A non lapsing would be fine. Yeah. I don't see anything, you know, Yeah. changing unless Perfect. I want to change it, basically. Yeah. Yeah.","start_word":2856,"end_word":2953,"sentiment":"neutral","sentiment_score":0.05564814805984497},{"text":"Especially with the wheel as well.","start_word":2954,"end_word":2959,"sentiment":"positive","sentiment_score":0.3786949515342712},{"text":"It makes it easy because if anything ever changes for you, you can just update the wheel. You don't have to update Yes. this form. Yeah. Correct. Now the other one is then you can have a binding or nonbinding option. So binding means Mhmm. that, basically, the trustee, so the super fund and and insurance are bound to follow your wishes. The nonbinding is where you basically say this is what I would like, but then it's ultimately up to the trustee to decide if they feel that there's someone else that is suited for it. Sorry. Like a binding. Yeah. It Yeah. would be a binding. Alright. That's where most people decide. Yeah. So Of course. I will look at the prefilled for you and get the team to Right. email that out. Now most of the team have left for today, so it might be tomorrow or the following day, if that's okay. Yeah. Yeah. Yeah. Yeah. Yeah. That's Yep. fine.","start_word":2960,"end_word":3123,"sentiment":"neutral","sentiment_score":0.07111524790525436},{"text":"Great. Yeah. Perfect.","start_word":3124,"end_word":3126,"sentiment":"positive","sentiment_score":0.4399714171886444},{"text":"Otherwise, when it comes to, I guess, like, goals and stuff that you are working towards, I had here that last time I do interview time, your main focus was to pay down the mortgage Mhmm. on your property Yeah. and the investment property. Is that still kind of the focus for you? Well, the the focus is my own property. The Mhmm. the investment property is you know, there's no plans to pay that off. It's just to Yeah. set and forget and then, you know, sell it in ten, fifteen years' time or whatever. Yeah. And And from a tax yeah. deduction point of view on interest Yeah. as well. Yeah.","start_word":3127,"end_word":3239,"sentiment":"neutral","sentiment_score":0.04808204347449067},{"text":"Perfect.","start_word":3240,"end_word":3240,"sentiment":"positive","sentiment_score":0.49218788743019104},{"text":"Yeah. And, otherwise, renovate your apartment. Did you end up doing some renovation, or is that still Look. on the card? It's it's I mean, I've done a little bit of work. I've had carpets Mhmm. ripped up and floorboards put down, but, again, nothing that needs massive work at this stage. No. Yeah. Perfect. And, otherwise, I had basically just to kinda go on some holidays every now and then, and I Yeah. think you Yeah. had a planned trip to Europe. Did you end Yes. up going? If we spoke in May, yes, I did go. Yes. That was actually the kicker for getting the wheel done is that I I literally got it signed signed off, I don't know, about twenty four hours before I got on the plane. Go ahead.","start_word":3241,"end_word":3374,"sentiment":"neutral","sentiment_score":0.008508221246302128},{"text":"So I had a lovely trip there.","start_word":3375,"end_word":3381,"sentiment":"positive","sentiment_score":0.6255903244018555},{"text":"Look, this Yeah. year, no internationals that Yep. I've I've I have had and we'll be having a few interstate trips Oh, no. just to Adelaide and Sydney and Brisbane, Yeah.","start_word":3382,"end_word":3412,"sentiment":"neutral","sentiment_score":0.07784506678581238},{"text":"which is nice.","start_word":3413,"end_word":3415,"sentiment":"positive","sentiment_score":0.43898096680641174},{"text":"Next year, yes, there's a big Europe trip at the end of the year and potentially another sneaky one in the middle of the year as well.","start_word":3416,"end_word":3442,"sentiment":"neutral","sentiment_score":0.1491251140832901},{"text":"Oh, sounds lovely.","start_word":3443,"end_word":3445,"sentiment":"positive","sentiment_score":0.47605448961257935},{"text":"And aside from, obviously, traveling Mhmm. and the mortgage, is there anything else that you are kind of working towards otherwise? Or is No. that I I don't No. think so at this stage. You know, again, with the new job, it's everything's going well here.","start_word":3446,"end_word":3491,"sentiment":"neutral","sentiment_score":0.03699329122900963},{"text":"I I love my apartment. I live sort of Yeah.","start_word":3492,"end_word":3501,"sentiment":"positive","sentiment_score":0.45636603236198425},{"text":"in right in the city, and it's all if it's Yeah.","start_word":3502,"end_word":3512,"sentiment":"neutral","sentiment_score":0.3229958117008209},{"text":"it's all about sort of the lifestyle that that all facilitates.","start_word":3513,"end_word":3523,"sentiment":"positive","sentiment_score":0.43132686614990234},{"text":"Yeah.","start_word":3524,"end_word":3524,"sentiment":"neutral","sentiment_score":0.301985502243042},{"text":"It sounds like K. it's beautiful.","start_word":3525,"end_word":3530,"sentiment":"positive","sentiment_score":0.4380470812320709},{"text":"I used to live down in what was it called? It was near the Royal Women Hospital. Oh, okay. Yeah. Yeah. Yep. Like, near, like, the race courses and stuff like Yeah. that. Yeah. Yeah. Out that way. Yeah. Yeah. So the Flemington Yeah. area. Yeah. Yes. Yeah. And it was Yep.","start_word":3531,"end_word":3582,"sentiment":"neutral","sentiment_score":0.08745405450463295},{"text":"transportation is great in Melbourne. Yes. That's It was enough so little good.","start_word":3583,"end_word":3595,"sentiment":"positive","sentiment_score":0.4273757040500641},{"text":"pocket. Yeah. I And mean, then I you got I barely use transport. I mean, I I just walk everywhere. It's a walk to work. yeah. It's a walk to, you know, the theaters Yeah. and the shows that I go and see and everything else that I do.","start_word":3596,"end_word":3644,"sentiment":"neutral","sentiment_score":0.12599723041057587},{"text":"So Yeah. it's, you know, it's a great mix now. So Yeah. Oh, that's good.","start_word":3645,"end_word":3659,"sentiment":"positive","sentiment_score":0.528290867805481},{"text":"Now the next thing I do wanna run over with you there, James, is just a bit of an updated risk profile questionnaire. And that yep. is just to see if we need to make any changes to your risk profile in your super. Mhmm. So when it comes through time frames, are you still kind of planning on accessing a super at 65, or when do you think you'd want to look to retire? Look. At at this stage, yeah, it's just the standard retirement age, whatever it is. 65, 67, I would say. Mhmm. Because, yeah, it's 67 is potential age pension if you're eligible for that. Yeah. Otherwise, you if you retire, like, if you stop working, you can access your super tax rate at 60. At At sorry. At 65, just 60. to say. Six Sixty. zero. Okay. Yes. If you Look. stop I think I probably got a few more years than me than that. working. But Yep. yeah. And then yeah. Because often as well, if we have people between, like, 60 and 65, if you want to reduce your hours, do you wanna work through a little bit from super, there's different strategies that we can look at Yeah. to to utilize that. But, otherwise, I'll leave it around 65 Yep. as a benchmark for you. And do you think a weekly income of around 1,500 per week is still kind of the goal for you? Would that cover your expenses and stuff like that? That seems if I if I had the place paid off, then that probably seems more than I would necessarily need, Mhmm. but Mhmm. let's go with that as Yeah.","start_word":3660,"end_word":3941,"sentiment":"neutral","sentiment_score":0.023363227658766385},{"text":"Perfect.","start_word":3942,"end_word":3942,"sentiment":"positive","sentiment_score":0.5820257067680359},{"text":"a Now have you ever bought ballpark. direct shares yourself, by the way? No. No. Nope. And when it comes to how much risk you are willing to take for your superannuation, so would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and keep up with, you know, the rising prices and expenses and everything and grow your suit Yeah. I think I think I sort of moved from sort of the safe to the moderate last time or maybe the review before, And I I think I'm probably happy to stick with that. I'm certainly not a high risk person. Yep. But yeah. So I'm happy to to just sort of play, Okay. you Stay know, play a little bit of with the game, but but also make a sure I've got a a level bit of of, you know, more. Yeah. security Somewhere there. in the middle. Alright.","start_word":3943,"end_word":4107,"sentiment":"neutral","sentiment_score":0.05666244775056839},{"text":"Perfect.","start_word":4108,"end_word":4108,"sentiment":"positive","sentiment_score":0.3513125777244568},{"text":"Moderate. Now when it comes to volatility as well, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due Mhmm. to general trends in the market. Would you say that you would want to take advantage of the dropping prices by thinking that now is a good time to invest a little bit more. Would you just kind of be a bit more neutral, hold and wait to see what happens, or would you want to shift to a more secure asset so that means you're out in selling when the prices have dropped? Oh, gosh. Yeah. I I look. I I don't know. No. I I think I I think, you know, I I I know that it's a long term thing. I think I'd probably be happy just to wait it out. Just write it up. Yep. Perfect. Yeah. And next one is in regards to fluctuations. So, obviously, in the last twelve months, we have seen quite a bit of fluctuations in the market. Yeah. We first had, Yeah. Yeah. obviously, Trump and everything in The US causing Yep. a bit of fluctuations, and then, obviously, more recently, the war and everything like that have seen Mhmm. a bit of a shift in the market. So if it was something that you noticed with your superannuation or any of your other assets really, would you say that you would feel optimistic about potential future investment opportunities or a bit more kind of neutral with not making further investments or concerned or highly anxious? I think it's probably neutral to optimistic. Neutral? Yeah. Yep. Okay.","start_word":4109,"end_word":4391,"sentiment":"neutral","sentiment_score":0.005265381990178314},{"text":"Because probably Perfect. it's on the slightly more positive side of neutral, if that makes Yeah.","start_word":4392,"end_word":4407,"sentiment":"positive","sentiment_score":0.4178195595741272},{"text":"sense. And would you ever consider taking out a loan to invest in stocks or funds? I probably would not know. Probably not. No. Perfect. Now that tells me here that, James, that you have come out as a growth investor. Yep. And having Mhmm. a bit of a look at your account, we do currently have you in a high growth portfolio. Okay. So do you know the difference between those two at all? Not the specifics. No. No. So so, basically, like, my previous answers were that I might be a bit more open to risk. Is that what you're saying? Correct. Yes. Yeah. Okay. Yeah. Now just for your reference, like, they're both similar in you, obviously, trying to maximize growth as much as possible while you do have the time. But you are also prepared to experience, you know, some higher levels of fluctuation Yeah. Yeah. in order to achieve that growth. Now Yeah. the difference Yeah. between them is that in a high growth, which is how you are currently invested, Yep. we typically see 90% invested in what we would call your growth investment. So that will be things like Australian shares, international shares, as well as property and commodities. And that is what's going to kind of maximize the return on for you. Yep. And then about 10% in defensive. So that will be, like, your cash, your gold, your fixed interest. Limit fluctuates a little bit. Yep. Now a growth portfolio is about an eighty twenty split, so it's about a 10% difference. Okay. Yeah. I see. Yep. Now when we are looking at a high growth as well, so making sure you have enough Mhmm. time in the market for those fluctuations, we wanna allow at least eight years until Okay. retirement. Whereas a growth portfolio, we have about six. So from that, what would you feel you align with a bit more? Would you like to look at potentially reducing your risk a little bit and see what that would look like, or or how do you feel at the moment? Look. I mean, yeah, I think I'm I'm okay with with sitting where where it is at this at this Yeah. stage. You're okay with Yeah. high growth? Yeah. I think so. Yeah. Yeah. Okay. Yeah. We can definitely leave that now. If at any point in time that changes and you wanna revisit it, just let me know. It doesn't have to be a review time. If at any point during the time you go, you know what? I do wanna look at changing it. We can always Mhmm. do the research and have a look at it for you. Yep. Because moving it to growth, you will have a little bit less fluctuation, but long term, you could have less growth as well. Yeah. Yeah. Exactly. Yeah. Yeah. Yep. Alright. Perfect. Now do you have access to your emails at the moment? Yeah. Yeah. Absolutely. Oh, yeah? Okay. Perfect. So what I have done is I have to send you an email with some documents to run through quickly. If you could get that up for me. Mhmm. Yep. And It we come have through yet. recently changed. You have it hasn't come through yet? Not yet. That's fine. I'll just I've got a fairly dodgy spam filter. I'm just gonna log on and just see Yes. whether it's been being trapped in. Because it should be by now. Because, also, we have recently changed the software. So Okay. it could be Yeah. if it's if it's the first time we've sent it through this software that it might not recognize it and put it Nothing's automatically as a BIN. yeah. Nothing's come through yet. Just let me keep looking. I have a look. It should have been within the last twenty seven minutes. I'll have a look and see here. It says online it's been done, but I'll just try to resend it and save Just wanna that. just check the email address as well, please. Yeah. Let me have a look here. Jdipnol@officenet.com.au? Yep. That's fine. Alright. I'll just try to resend it and see Yep. how that works. Samsung's technology at the end of the day as well Yeah.","start_word":4408,"end_word":5122,"sentiment":"neutral","sentiment_score":0.045001085310965985},{"text":"That's is not fine.","start_word":5123,"end_word":5126,"sentiment":"negative","sentiment_score":-0.3687443435192108},{"text":"now I've just resend it, so we'll see how we go. Are you happy for me to kind of run through some of the documents? I'll Of course. leave Yeah. Yeah. Yeah. Absolutely. the Yeah. Yeah. Yeah. Mhmm. the more technical ones too. Hopefully, you can see them. Yep. But when you do get it, then just let me know. Just kind of keep refreshing and text them and let me Yeah. know Yeah. if Yep. it's just a consent. But Oh, hang on. I think it's just arrived. oh, There it is. Yep.","start_word":5127,"end_word":5220,"sentiment":"neutral","sentiment_score":0.05718513950705528},{"text":"Got perfect.","start_word":5221,"end_word":5222,"sentiment":"positive","sentiment_score":0.44206929206848145},{"text":"it.","start_word":5223,"end_word":5223,"sentiment":"neutral","sentiment_score":0.31433039903640747},{"text":"Oh, that's Thank good. you. Thanks for calling.","start_word":5224,"end_word":5231,"sentiment":"positive","sentiment_score":0.41880595684051514},{"text":"Now before you click on the link where it says Mhmm. sign now, at the bottom of that email, can you see a couple of Yep. attachments? It's loaded up. Yep. Documents and Perfect. volume. Yep. Mhmm. Now if you wanna open the 2025 Vanguard index chart for me Mhmm. first, And just let me know when you can see that one. Okay? Yep. Yes. Correct. Yep. Perfect. Now you probably have seen this one last Mhmm. time. Every year, Vanguard does up updated. So you can see here now it's been updated from 1995 through 2025. Yeah. It is just a good visual representation of what we are talking about when we're talking Mhmm. about the market. Basically, you can see here that over the long term, the market always goes up. Of The course. short term, there will be some ups and downs and market fluctuations. Yeah. And that's why those time frames come in handy as well just to kind of measure things. But Mhmm. just for your reference, what that high growth means is that 90% in your top four. So you can see that these are the ones that grow the most, but also fluctuate the most. And then 10% in the bottom three. Yep. Yep. That all makes sense? Mhmm. Yep.","start_word":5232,"end_word":5448,"sentiment":"neutral","sentiment_score":0.08210943206664055},{"text":"Perfect.","start_word":5449,"end_word":5449,"sentiment":"positive","sentiment_score":0.610171377658844},{"text":"Now the next one there is that you'll have a '24 performance report. Is that the one that you can see? '24 have 24 performance with IIIs. Yes. Is that right? Yes, Yep. please. Yep. If you can open that one for me. Mhmm. Now this one here might usually looks a little bit more messier, but it is you're showing a breakdown of your portfolio. So like Yep. we kind of touched on the last twelve months, the markets have been a little bit kind of uneven. Mhmm. Mhmm. A small group of companies and mainly kind of, like, The US and stuff have driven a lot of the headlines, and some other Yep. areas haven't really kept up with the same extent. Yep. Looking at your portfolio, though, over the last twelve months, and this is all net of fees, it's kind of performing as we've expected.","start_word":5450,"end_word":5598,"sentiment":"neutral","sentiment_score":0.00519894203171134},{"text":"So it's still positive, which is good, Yep.","start_word":5599,"end_word":5606,"sentiment":"positive","sentiment_score":0.4662852585315704},{"text":"but it's about 5.54% after Okay. fees, Mhmm. Mhmm. which in when we're looking at your actual investments, it's still pretty good considering what's happened in the market. Yeah. Yeah. Yeah.","start_word":5607,"end_word":5637,"sentiment":"neutral","sentiment_score":0.12060344219207764},{"text":"Now some areas have done really well.","start_word":5638,"end_word":5644,"sentiment":"positive","sentiment_score":0.3500024676322937},{"text":"It's that The US exposure, have done really well as well, Mhmm. as well as some of their valuation, allocation in Australia. But Yeah. at the same time, we have seen some other areas being a little bit weaker, which is often also how will we design your portfolio because you wanna make sure you have it diversified. So if there are certain Yeah. areas that is you're more cyclical or, you know, we wanna make sure that if some areas are performing really well, we then kind of balance that out a little bit as well. Yep. So some of the kind of special areas have underperformed a little bit, and that the one that I do wanna talk to you about is potentially changing, is one of the investments. So most of the other investments are still keeping up with, the market trends and and everything Yep. like that, so not too concerned about it. But there is one investment that I would like to do a little bit more research and look to swapping out for you if you are comfortable with that. Yeah. And Sure. that is your Benelon Australian equity fund. So Yep. that one here, when it was added Oh, to I your see. portfolio Yeah. yeah. So that one is underperforming a little bit at the moment. And Yeah. sometimes as well, if you see, for example, like, cybersecurity, which is down a little bit at the moment, we do foresee that one kind of coming back around, and there's obviously a lot of opportunities in that space. So from Yeah. a cyclical point of view, he's not too concerned about that, and it's kind of expected. But with the Benelon one, we've done a lot of research on the investments. And Mhmm.","start_word":5645,"end_word":5944,"sentiment":"neutral","sentiment_score":0.11025545438130696},{"text":"when it was added to your portfolio, it was performing really strongly, and they were Mhmm. one of the best performing fund managers.","start_word":5945,"end_word":5967,"sentiment":"positive","sentiment_score":0.42079344391822815},{"text":"Yeah. That's not to say that that's always going to be the case, which is why the annual reviews are so important. And we've been along they've been a little bit slower in making the investment choices at the moment. Yeah. Okay. And one of the investments that they actually had in their portfolio was the corporate travel group. I'm not sure if you've read or heard anything about it, but that company had a bit of issues with that reporting, which actually Yep. caused them to be suspended from trading. So that Alright. kind of caused, Okay. yeah, Yep. caused a bit of a bit of a dip in it. Yep.","start_word":5968,"end_word":6079,"sentiment":"neutral","sentiment_score":-0.12086110562086104},{"text":"A bit of a hiccup?","start_word":6080,"end_word":6084,"sentiment":"negative","sentiment_score":-0.3730035424232483},{"text":"So even though, yeah, even though it wasn't them, they were just Mhmm. one of the companies that they had. It obviously Yep. had its impact. So Yep. we've done a lot of research, and we feel like there's a lot of better options out there that we Sure. can block the phen along Absolutely. for you. So if Yeah. you are happy for me to do that, I would like to do a bit Yep. more research and see which one we wanna potentially swap it out for you Yep. and making sure we always have you in the best position as possible. And I do wanna factor in as well if there's any, you know, tax consequences and fees and returns. So what Yep. I will do is I will do some research and put put it together in a bit of a proposal for you. I will run Yep. through the changes, and then you can let me know what you think. Yeah. Okay. So it will take me about a week and a half roughly That's to good. put that Yep. all together. So when is usually a best time for you to go through that? Look. I I'd really prefer it sort of as late in the day as possible so that Yep. I can, you know, it's it's As not late eating as into possible. the workday. Yeah. I can tell you that next week is not a good week. I've got stuff on every evening, so there's not really Yep. any time next week. That's So okay. we'd have to push it into the into the week after if we could. That's okay. Because all my afternoons, I fully booked next week anyway.","start_word":6085,"end_word":6374,"sentiment":"neutral","sentiment_score":0.021584639325737953},{"text":"Great. It's usually Good. Good. the Good.","start_word":6375,"end_word":6381,"sentiment":"positive","sentiment_score":0.4289492666721344},{"text":"ones that go the fast. Yeah. So let me see here. I could probably do I could do 05:00 on Wednesday, the twentieth. Would that work? Yeah. How long would the appointment be, do you think? It would be fairly it'll be quicker than today Yep. because there wouldn't be too many changes. So it usually Yep. can be done in maybe fifteen minutes or so. Oh, fine. Yeah. Yeah. Yeah. That that Yeah.","start_word":6382,"end_word":6455,"sentiment":"neutral","sentiment_score":0.10895453192092278},{"text":"would be fine.","start_word":6456,"end_word":6458,"sentiment":"positive","sentiment_score":0.34121575951576233},{"text":"That's Would yeah. that The work? twentieth. 05:00 on the Okay. twentieth. Yeah. Otherwise, I could do Tuesday the nineteenth at five again if No. that will The be better. the twentieth is is actually good if if It's we were better? able to do five. Yep. Yeah. Alright. So I'll book that in. Now if anything does change and you can't make it, Yep. let me know, and I'll see if I can get it reshuffled Yep. for you. Yep. That should Would be fine. would you like a reminder text sent, like, two hours before in case something comes up for you? No. That's fine. I'll I've No. popped That's it in okay. the diary. That's Yep. okay. Yeah.","start_word":6459,"end_word":6579,"sentiment":"neutral","sentiment_score":0.06564030051231384},{"text":"Good. Alright. Thank you.","start_word":6580,"end_word":6583,"sentiment":"positive","sentiment_score":0.37417706847190857},{"text":"So that is Wednesday, May 20 Yeah. at 5PM, Yep. and I'll give you usually, if you do have access to your emails, it is good because I will actually Yeah. send it Yeah. to Yeah. you. Yeah. It should go through Yeah. similar to today. If you can't, it it should be fairly straightforward. Yep.","start_word":6584,"end_word":6639,"sentiment":"neutral","sentiment_score":0.15532317757606506},{"text":"Otherwise, That's that is good.","start_word":6640,"end_word":6644,"sentiment":"positive","sentiment_score":0.35558024048805237},{"text":"all booked in. Now almost finished for today, but, basically, the other reports you will see there, James, if you see a super insurance summary. Can you see that one? Yes. Yep. Yep.","start_word":6645,"end_word":6677,"sentiment":"neutral","sentiment_score":0.10123920440673828},{"text":"Perfect.","start_word":6678,"end_word":6678,"sentiment":"positive","sentiment_score":0.35128504037857056},{"text":"Now that one here gives you a bit of a breakdown of your super insurances at the moment. So Mhmm. you have your superannuation with twenty four, and you Yep. do have about 430,900 Yep. in them, and Yep. that you also have your insurances with Zurich. So for your life and PPD, you have $654,604, Mhmm. all paid from within superannuation. So you do Yep. get a 15% tax rebate, and total premium is 4,309. Now are you still happy with the level of cover and everything like that Mhmm. that you Yeah. have I with think your so. insurances? Yep. Yep.","start_word":6679,"end_word":6781,"sentiment":"neutral","sentiment_score":0.1092185005545616},{"text":"Perfect.","start_word":6782,"end_word":6782,"sentiment":"positive","sentiment_score":0.702751874923706},{"text":"And I can see that you don't have that income protection or through my insurance. Are you still comfortable with that? Yeah. Yeah. Yep.","start_word":6783,"end_word":6806,"sentiment":"neutral","sentiment_score":0.08182519674301147},{"text":"Great.","start_word":6807,"end_word":6807,"sentiment":"positive","sentiment_score":0.6286119818687439},{"text":"And now I won't get you to open it, but you will see as well. I'll let you have a read over that in your own time that in your emails, you will have a 08 c o c. That's just a certificate of currency for your insurances. So it basically breaks down your insurances in a bit more detail, Mhmm. but Okay. let's, you know, Yes. that's all Yep. paid and after that. Yep. I see that. Yep. And then the the last two, you will have an OQ financial services guide version four and then an OQ services guide version one. But you would Mhmm. have seen this one before. It's one of those compliance documents we Yep. we'll give you every year. We've had Yep. a bit of a change to marketing. None of the important information has changed, but as you do go and have a look at it, you will see we've had had some new photos and everything done, so Yep. a bit of Correct. revamping marketing Yep. and a bit of an extension to the team as well, which which you can see in there. If you do go and have a look at it, you'll also see myself in there if you do wanna put a face to the voice. I will do that straight away. Where are Yeah. you? There you are. Okay. Got Yep. you. Yeah. Okay. Yeah. Now, otherwise, if you are happy to do so, if you wanna press where it says sign now, Mhmm. it will ask you to sign through document. Yep. Now one will be your ongoing service agreement, Mhmm.","start_word":6808,"end_word":7082,"sentiment":"neutral","sentiment_score":0.10404016822576524},{"text":"which is just to say that you are happy to stay on as a client.","start_word":7083,"end_word":7097,"sentiment":"positive","sentiment_score":0.38186416029930115},{"text":"Now there is no changes whatsoever in regards to the fee structure that stays Yep. exactly the same at 1.65 from. No Mhmm. changes in regards to that, and it is not a lock in contract. So if at any Yep. point in time you are not happy, it is not a lock in contract, but this just lets us service your account and everything in the meantime. Yep. Yep. And then the last one we should ask you to add a signature is a tax file number Yeah. opt in Yeah. form, which is just a compliance form as well just to say that we are keeping your tax phone number if Yeah. you're on file. And then once you've Okay. added both the signatures, if you're happy to do Yep. so, it should say validate, and Yeah. then I I'm think just it will going send into it that. back to me. Yeah. Just go ahead and just do the signature. And I think sometimes they even ask you to draw it as well, which Yeah. No. I've got is an funny. an upload that I can can do fairly Perfect.","start_word":7098,"end_word":7290,"sentiment":"neutral","sentiment_score":0.04868794192072641},{"text":"quickly. That is all done.","start_word":7291,"end_word":7295,"sentiment":"positive","sentiment_score":0.392865002155304},{"text":"Validate. Yep. Yep. Yep. Yep. Validate and send. Yep. And then I'll just refresh that, and it should send through to me. Usually, it's pretty instant. Yep. It's still just loading at this end. No. That's okay. Okay. That's that has done, and I've done my little signed copy of it. Yep. So if if it is that you wanna download a copy, it should all be saved on your account there for you that Yeah. you can download it. If not, we always have a copy on file. So if Of it's course. ever that Yeah. you you wanted, it's all here on file for you. Yep.","start_word":7296,"end_word":7403,"sentiment":"neutral","sentiment_score":0.10924377292394638},{"text":"And I can see on my end that that has come through, which is great.","start_word":7404,"end_word":7418,"sentiment":"positive","sentiment_score":0.41556063294410706},{"text":"So I will get Right. the team to get that sorted. I will also let the team know to email those beneficiary forms for you and prefill them for you. Yep. Because you are making a legal nomination, they just have to be printed and but signed a witness. Yep. Then you can send it back, and we'll get that sorted for you. Otherwise, I do have you booked in on Wednesday, May 20 Twenty to at the twentieth. 5PM, Great.","start_word":7419,"end_word":7499,"sentiment":"neutral","sentiment_score":0.16116030514240265},{"text":"yep, to go through that research.","start_word":7500,"end_word":7505,"sentiment":"positive","sentiment_score":0.3634600341320038},{"text":"But do you have any other questions or need anything else from me otherwise today, James, before I let you go and enjoy your afternoon? No. All good. Thank you very No? much. Alright.","start_word":7506,"end_word":7539,"sentiment":"neutral","sentiment_score":0.09818487614393234},{"text":"Perfect. Well, I will let you go. Thank you so much for your time and patience today, and I Thank look forward you, to Veronica. speaking with you on the twentieth. Excellent. Look forward to it. Take care.","start_word":7540,"end_word":7577,"sentiment":"positive","sentiment_score":0.622927188873291},{"text":"Mhmm. No worries.","start_word":7578,"end_word":7580,"sentiment":"neutral","sentiment_score":0.1964818090200424},{"text":"You Thanks too. again.","start_word":7581,"end_word":7584,"sentiment":"positive","sentiment_score":0.3868184983730316},{"text":"Bye. Bye. Bye. Bye.","start_word":7585,"end_word":7588,"sentiment":"neutral","sentiment_score":0.16176900267601013}],"average":{"sentiment":"neutral","sentiment_score":0.06486565198635576}}}}