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Oh, that's what we love. That's what we love. Mate, I've just got a few things I wanted to run by you today that Carl was working on for you a little while ago. Do you mind if I just go through a quick security check with you and we can jump into it together? Perfect. So as always, calls are recorded for training and quality purposes. I'm registered with Asica's adviser 1273105. Can I just get your date of birth and address for security, please? Correct. Date of birth and then residential address. Mhmm. Sensational. Thank you very much for that. Mate, a few things I was kind of looking at beforehand was a bit of a portfolio updates Carl was looking at with you for the super. And a few things I'm wanting to look at today was mainly around, a, service level expectations just to make sure that we're doing right by you and making sure that we've got the service that you expect from us. Outside of that, I can see that Carl did a bit of a reduction of the insurances earlier this year. Does that ring a bell? Perfect. Okay. So I'm definitely on the same page there. Just in terms of goals to start with, just to make sure I've got this correct, your main priorities for the next five years is to obviously pay off the mortgage and then boost up the super as much as possible. And you were thinking about going overseas, go see your mom, and also possibly a bit of investing. Does that sound right? Perfect. Okay. Got you there. I did wanna update a few details with you just to see if there's been any major changes. But is there anything in particular that you would like to begin with or anything you want me to focus on today? Yes. Gotcha. Yeah. Absolutely. Yes. Yeah. Yep. Yep. Oh, Dana. Yes. Yep. Yeah. Yeah. That's one of my my calling cards is I've done that my whole career. Yeah. Yeah. Yep. Yeah. And that's I can see that'll be frustrating because it's not just one one little thing. There's a a culmination of many items over, what, twelve, eighteen months. Yeah. And it's only been recently resolved. Yeah. Mhmm. Yeah. And you're trying to actually get that value to get that outcome, which is to catch up the super, get you into a good retirement, and any other advice you need along the way. Yep. Yeah. Yeah. That's the one. Yep. Need to get that resolved at the least. Yep. Yep. No. I I appreciate you being frank with me because at the end of the day, for however long I've got you under my care, my duty of care to you is to get you in a position that I can based on my skill set. Outside of that, it's to uphold the service that you expect because I understand that once trust is lost, it's very hard to regain again. So what I will do is my utmost to at least fulfill what I can on my side of things. If you decide to stay with us, that would be fantastic. If not, we will do our best for however long we are together. Now I'll go through usual couple of checks with you because I wanna resolve the portfolio, number one, absolutely. And I wanna make it a bit bit more straightforward for you. It doesn't have to be confusing and up in the air for months that we can come to ideas and decisions quickly and efficiently and get onto it before the markets turn too badly, and we miss out on opportunities. So two things I'll I'll do. First of all, in terms of Kyle, brilliant man, when he was giving you advice earlier this year, he was a fully registered adviser. He had finished his apprenticeship. So just to let you know, he wasn't an intern earlier in the year kind of thing. But any of those that we have, they're always overseen by a senior adviser as well. So just wanna give you some reassurance that anything that he did was checked by others as well to make sure it's in your best interest. For Nina? He is. Yeah. Yeah. Absolutely. And I think usually for that twelve month apprenticeship, they do go through client contacts under supervision to make sure they're building those skills. And then once they're actually graduated, they're allowed to do it in isolation once qualified. When it comes to Minelle's situation, I do work pretty closely with Dana. So I will have a conversation with Dana to see where everything is sitting for her now that the insurances have been resolved and get some clear communication back to you guys so you know what the next steps are. Perfect. Yep. We'll resolve the the portfolio issue today because I can do that quite simply, and I'll put together the the plan for that quite quickly for you. Outside of that, let's just talk about a couple of main goals. Because like you said, everything here is for an outcome, and we're trying to get towards an outcome at some point. So I would like to have more joint discussions with you guys later on just to make sure that your joint joint retirement goals come into effect together because that's part of the service. Right? As you you've become a client together, you've referred your wife, you've placed trust in us to look after her situation as well. But at the same time, retirement is something that you're both gonna do towards the same time together. Correct? Perfect. So at your age at the moment, you've got thirteen years and you till you can access the super at 60. That's your preservation age. Afterwards, age pension's unavailable till 67. Right? So we're talking quite a few years still. We've we've got thirteen years until preservation, maybe another five to seven after that if you wanna go that far. Does that make sense? Now when I've got your retirement goal here listed as $1,500 per week, My quick calculation is that you need somewhere between 700,000 and 1,500,000 in assets to produce that income either for twenty years or for a hundred years. That's kind of what we're aiming at, if that makes sense. So if we get you to, let's say, 700,000 in the super, that can produce 1,500 per week tax free for about twenty, twenty five years past life expectancy. That correct. Now individual. So that's why I'm trying to think, okay, if 1,500 per week with the mortgage paid off is what I've got listed for your retirement goal, Do you believe that that would be sufficient for both of you, or we would need an additional amount? That's what I'm thinking. Perfect. So the government standards, they do a bit of a retirement standards where they say a couple should have around about 78,000, which is around about that amount. That's before having a mortgage paid off, and you do have an investment property, don't you? K. But that one's gonna be sold? K. Just briefly, once that gets sold, what's the intention there? Is that to just pay off the mortgage, get another place? What's the thinking there? Yes. Yep. And when you say that, that means pay off the mortgage, maximize your contributions, all that kind of thing. Perfect. So what I'll do is when we update the portfolio for your hub 24, I'll include the updated projections, and we'll factor in those maximum contributions, see how that looks. Just bear in mind, this financial year, it's 32,500 combined. They've increased the cap a little bit this financial year. Perfect. Outside of that, you did have a bit of savings in an offset account. Is that essentially being pulled aside to AVE, pay off the mortgage, but also as a bit of an emergency fund? I think we had about 70,000. That might be a bit old. Yep. So that also crosses out the idea of doing some investing for the time being. There's no point trying to throw $50,000 into a managed fund account to grow wealth if we need to build up savings first and pay off the mortgage. Does that sound right? Sure does. No. That's fine. So what I need to make sure that we can do is that with the contributions that are going in, the growth of the investments and the additional contributions, that we can at least solidify the retirement goal. And are you wanting me to make sure that we can try and get there by age 60, like, as early as possible, or are you okay to go a few extra years? Yep. So intention is 60 if possible. And if you have to work one or two extra years, you will do so only if required. Yep. Perfect. And you're still senior banner sorry, senior business analyst for Shell Energy at the moment? We've just hit end of financial year. Has the income changed from 148,000 for the year coming up now? Yep. $1.53. Easy done. Okay. Let's have a look. We've got the cars. We've got the investment property that'll go. Just in terms of debt values, just for a moment, then I can dive in the portfolio with you. We had you owing about 707,000 for your main residence and 6 90 for the investment property. No worries at all. No. That's fine. Rough round figures is okay. Yep. And for the investment property? 677. Perfect. Okay. That's all. Yeah. No worries. No. Perfect. I've got the debt values listed. I've looked up an online evaluation. The only owner occupier, they're they're saying about 827,000, but what would you say for the main residence? Yep. K. $9.50. No. That's perfectly fine. I'll go off $9.50 for now. I know it has dropped down a little bit, but you know how these cycles, they tend to bump back up again over time. It doesn't take too long. And just lastly, I think that's pretty reasonable. Yep. Okay. 900 flat. And just lastly, the investment property, that was $8.50 previously. Yeah. K. So this is part of what you're saying about, you know, life throws you some curveballs, the savings goes, but then at the same time, property market's affecting you guys as well. I think it's honestly, like I don't mean to overstep, Gidge, but being able to divest out of that property when you know it's no longer serving you, especially if it's costing you a lot of money, trying to clear 700,000 worth of debt while maintaining a property that may be negatively geared at the time, that's pretty difficult to do. So I think what you're looking to do makes a lot of sense. It may not feel good knowing that, you know, maybe a year or two ago, you could have got a bit more for it, but you can't hang on to something that's a bad apple for too long worrying about what could have been two years ago, if that makes sense. Yep. Yeah. Yep. Yep. Yeah. The the foot traffic just disappeared. Everyone's there's a lot of fear in the market at the moment, and it may continue on for the rest of the year until people start dipping their toe back in. Right? Yep. Wow. Okay. So I think your site has been affected quite heavily too, and especially your area as well compared to some. I would just hazard just a bit of patience on it. I I know it's painful, but these things do tend to kind of even out over time. That's, you know, the market's liquid. It's kind of like a a bit of water. It flows where it needs to. And they put the gates up and it stops flowing, and then all of a sudden it starts seeping under and and goes back there. So it may be painful for this year, but, you know, you're going in the right direction with it. It just may not come to fruition until next year. Yep. Perfect. I'll keep a note on file about the properties. We'll keep an eye on those. With the reduction of the insurances that you did earlier in the year, you haven't had too much of a change in debt levels, income levels, anything like that. So just double checking with you, the 1,500,000 for life insurance, disability insurance, do you still feel that's okay at the moment? Yes. Yep. K. Yeah. That's the one thing that I'm kind of worried about is that when that increases next year in March, it's not too bad in the late forties, but the moment you hit forty nine fifty, the insurance starts to accelerate very quickly with age, and it'll become 6,000, 8,000, 10,000, 12,000 over the period of four or five years very quickly. So I need to keep a lid on the cost because if the soup is growing well, contributions are good. You don't want the fees to be dragging it back down again. No. I think they're fine for the time being. What I would do is if you sell off that property and then we touch base in the New Year, if that property is then gone and you don't need to cover off on those debts before the increase happens, they'll give us a notice within thirty to sixty days to tell us what the price changes, and then we can look at trimming it down again. And that way before that next amount comes out, we can have it all lined up. That sound alright? Yep. With your income protection, so one of the things you've got to keep keep in mind for income protection is you have the the full benefit features in terms of a thirty day waiting period, which is great. You don't have to wait two months, three months for it to kick in, and it pays you all the way up to the age of 65, if that rings a bell. Now what tends to happen, it's currently protecting you for an income of a $153,800 because it's been slowly increasing with inflation to cover you for income increases, which is great. But that is the most expensive one as well. So, yes, once the debt's cleared, we can trim down the life insurance, the disability insurance. The income protection through the fifties, that'll start to jump up a couple thousand dollars as well. Now because you don't currently have the savings right now, you need to keep it as a thirty day waiting period. But once you have it built up, we can push it out to sixty or ninety days to reduce the premiums significantly as it starts to increase to offset that. In addition, once you have lower debts and not that many years until age 65, you could also trim down the benefit period to five years as well as a as a cost saving measure. So for the next five to eight years, we can very easily keep on top of the price of it as long as we review the waiting period according to your savings and the benefit period according to how much that would save. So that basically means your income is protected for as long as possible, and the soup is not being eaten away too quickly. As that bit increases, those are the two levers that we can pull as well as shopping around to other insurers if they can offer a better deal as well. K. So I'll put in for a bit of a catch up in the New Year to review the insurances, make sure we get ahead of any price increases. If for some reason it takes a couple extra days and the premiums come out, they do give you pro rata refunds. So if it's three hundred and sixty five days and it takes us a week, they'll give you a 99% refund. So we still got a little bit of time, if that makes sense. Yep. Perfect. Now when it comes to the portfolio itself, so this is a pretty simple equation for me, to be perfectly honest. You're sitting in a growth risk level inside the super at the moment. You know that kind of four out of five on the risk scale, 80% in growth assets, shares, property, gold. Does that does that ring a bell? So the growth risk profile, which is that kind of 80 in growth assets, 20% in the safer kind of assets. Yep. Eighty twenty. So the only ways to really get the super accelerated is higher returns or higher risk, reduce fees or put more money in, is essentially the four things. We keep on top of the insurance premiums. That's number one. You're already gonna maximize your contributions. That's number two. It sounds to me that if I was to put you into some high growth portfolio and I called you in nine months' time and your super was sitting at 92 thousand dollars, don't think you would be very happy with that with your kids. No. So what what that basically points to is those underperforming investment options that are in there, mainly the option. We have to replace those with some better options to get it back up to the double digit returns because it should be doing at least 9% on average. And the portfolio that we do have where we have replaced that and done some research, they are hitting that twelve, thirteen, 14% that you need. Yep. 17.5. Yep. So to keep that nice and straightforward, when I'm looking at your options that are in there, your all of your international options are doing fantastic. S and P 500, you've got global shares. That's great. Cybersecurity has kicked back up again with the AI issues. Battery tech and lithium, that's your electric vehicles. That's going great. Gold is going great. Basically, what we need to do is fine tune three options out of the portfolio and slot in some replacements. So Benelong is number one. The other one is the bank hybrids that are being phased out by the government the next couple of years. While we can stay in there for a little while, if everybody sells off out of that one, it could actually drop quite quickly even though it's supposed to be a safe asset. So we have to divest out of that one as well. Yep. Yeah. Absolutely. So if you log in to the Hub 24, your login's different than an adviser login. We normally go off very in-depth reports, but your your dashboard should be able to show you the options that you have towards, you know, just on the front screen dashboard. If you go down a little bit, it should show you the options and those little four digit codes. Yep. Yep. Perfect. With the Australian listed securities, the managed funds, and the cash, does it show you the underlying options, the name of the options in that section? Yep. Gotcha. And if you go up above there where it said Australian list of securities and managed funds, can you expand that at all? Like, click on it and it opens up? Yep. And that should have one, two, three, four, five, six, seven, eight options under securities and the one managed fund in Benelon. Yep. Correct. So what I'm basically looking at in these is ACDC at the top. That's your electric vehicles. BHYB, that's the one that's being phased out as a term deposit type vehicle. Gold cybersecurity composite bonds, that all looks great. S and P 500, that's the best. The property one, second last one there, VINEC property. A bit strange, but in Australia, obviously, property is one of the the go tos long term for the best returns. But these property funds are actually tracking property companies. And since the government came out with the CGT changes and negative gearing, those companies have taken a quite a large hit in their values even though property market still, generally speaking, has been quite high for the last three to five years. So outside of a self managed super fund, which they've just banned, I do have to get you out of that option because the the property companies themselves, there's a lot of insolvencies on at the moment. It's only 300. Yep. You invested $1,419.03. Yeah. Yeah. What I would like to do is so with the Benelon, yes, I will get a replacement option for that, but I also wanna make sure that it's not too high in Australian equities because that 25% that you saw, 25 is okay. We might go a little bit lower, but I'll I'll have a little look. But I don't wanna put in $30.40 percent into that because the international side is what's growing a lot stronger. Now to kind of guide me a little bit, you've kind of already had the conversation previously with Kyle, but just give me a gut feeling on this one. Bennelong is an active fund manager, pay high fees, try and get a high return. They have essentially failed at that mandate, and we don't believe that they will increase again. Now the replacement options, Hub twenty four has the most options in the entire country, and there's 1,300 there. It's the biggest investment menu. I can replace that with just a nice, beautiful, low fee ETF that tracks the Aussie market. That'll reduce those investment fees by about 90%, and it'll be back onto double digit returns for that asset class. I do have another act active fund manager that I've researched with the investment committee, which we have put Mina Lynn, which is Alfiniti, and it has been outperforming the Aussie market over one, three, five, and ten years. So I can do the same investment option that she has to try and outperform the market, or I can go a little bit lower fee with yours. 10% less than Venmo. 3,400. So any sale of that one, we will use to offset any of the other gains to minimize the capital gains tax, and that'll reduce that impact a little bit when we switch it. So correct. So if there's any of the other ones that are positive that I would like to rebalance or update, I can do that and offset it for free, and that'll save 15 percent. Yep. No. I believe we hang on. Let me double check. Yeah. The 1.1% is yearly split into monthly payments, but we have kept the fees off of your account until we can resolve Mino's insurances and provide you with this advice. So we canceled it a couple of months ago, and I will not get you to sign another one until I have that advice in front of you to read and make sure you're happy with the advice. I did see some file notes about things that you had raised, and I'm definitely coming into this conversation. I wanted to make sure that I could address that with you. That's okay. Yeah. Yeah. One thing I think I should do, which will be a little bit of fun for me, is why don't I put you in the low fee option for the time being? We'll let it run for twelve months, and then we'll compare how both of you guys have gone over that period. And if one of you would like to switch to the other style, we can make sure you're both in the same thing. But that way, you can see how it both plays out over the year. Yep. Absolutely. And I think once we've got that fixed up, most of those portfolios where we have looked at those options, they're they're right back up into the twelve, thirteen, 14%, and it'll catch up very quickly over a period of the stock market going up, you will get that accelerated benefit. K. Yeah. It's it's one of those things where I don't have a crystal ball to protect predict when the stock market's gonna go up and down, but I do know how these behave over the last three, five, ten, twenty years. And I can say with with certainty that both of these options will at least do far better than if we with Ben Long for any further or move back to even Australian Super. K. Alright. I will fast track this a little bit. Please bear with me for a moment just because I have just come back from leave having a third child. So my calendar is is quite booked up for the next couple of weeks, but I will get you in at the top of the list. We'll thank you. I have two boys and now a girl, and I've been having best time. Like, the boys, they love her. One seven, one three. They always wanna help grab the clothes and the nappies and grab the dummy, and they're probably kissing her a bit too much. I'm having a good time. But as soon as I got back, I had you booked in with me, and I looked at my calendar and went, oh, no. I'm booked out till, like, the September 10. Yep. Yep. Okay. So let me have a look at time frame. So I do early shift on a Monday where I'm available decently early in the morning and then leave to pick up the kids. And then Tuesday, I've got a late night. So would you prefer early or late? Yeah. I'm looking at the seventh and the eighth at the moment. Let's have a look. Yeah. It'll have to be yeah. Sorry. The fourteenth is probably the best day for you because seventeenth, you're off, and I'm closed out that week beforehand mostly. So fourteenth and fifteenth. Are we thinking Monday morning or Tuesday evening? Oh, actually, daylight savings in Victoria, doesn't that start in September? October 4. Okay. Thank gosh. Didn't wanna mistime the appointment there. So I'm available anytime between 08:30 onwards in the morning on the Monday or anytime after, sorry, one to four on the Tuesday or 6PM on the Tuesday. Yep. Perfect. So what I'll do in between, Kitch, is I'll put together the updated portfolio. I'll put a flag in for a discussion in the New Year about the insurances when we get the anniversary notice. We'll maximize the contributions for the time being, let you build up your savings, let you focus on the property goals. And in the interim, I'll have a chat with Dana and see what's going on with consolidation, if that's happening or not. And then we'll touch base on the fifteenth on the evening to get the super portfolio updated. How's that sound for you? Mhmm. Yep. Yeah. I think with most clients, we do discuss strategies as a group to make sure we're all across everything that may be beneficial for people. I think it would be a good idea if I look after both yours and Mino's. And that way, we can have those joint retirement discussions, tile that in together, make sure someone understands both situations and the combined situation. How's that sound? Cool. So I'll have a look into that for the time being. When it comes to that appointment on the fifteenth, I will only have enough time to go through the updated portfolio with you, but then we can schedule in a bit of a joint retirement discussion afterwards. Yep. Cool. So I'll make sure that anything that comes through for me now comes through to me, and we'll have individual conversations if we need to if they're small enough. If we need to do any joint planning for larger goals, we'll have those as joint discussions. Perfect. Alrighty. Is there anything else I can do for you in in the interim between now and that appointment? Yeah. We've just jumped up 6% recently. Let me have a look. So let me have a quick look. We've got $135,000 up to $1.63.5 at the moment. And if I look at a bit of a report here, we've got twelve month report, income, capital growth. Okay. So 10,600 worth of net growth, 20,000 worth of net income after fees and premiums, which is your your contributions after tax. So tax came out, premiums came out, contributions have netted to around 20, and there's about 10,000 worth of growth. From $1.30 to $1.60, dollar value, 10,600. That Benelon option is what's brought it down for that year. I've got S and P 500 up 9,000. Gold up 5. Battery tech up three. Realistically, we should yeah. So I was just gonna say that the aim should be about 15 to 30 is what we're kind of aiming for if we get that 10 to 15% that we're looking for. Sorry. What were you saying? Yep. Oh, no. Sorry. $20,000 is the the net contributions after tax insurance premiums and fees. Yep. So, yeah, 30,000 go in. You had the 4,000 of premiums come out, 15 percent super tax, then the hub and the oak view fees, 20 thousand kind of net contributed, and then 10,600 worth of net growth after investment fees. Alright. Five year is. Twelve months is is 6%, so a little bit below. But once we get that Benelon switched out, it'll go back up. Easy Easy done. Awesome. And, Kij, I do wanna say thank you for, one, being frank with me about your concerns. Two, thank you for actually having a a discussion with me without just yelling at all the staff and being rude. I appreciate you being candid and polite. You know, we do get people who get grumpy about their employer putting the wrong thing in the wrong spot and yell at our staff for that, so I wanna thank you for that. Yeah. Yeah. Realistically, it should be like a couple of weeks kind of thing. And, you know, at most, if there's any issues, like a month. But, yeah, I'm yeah. That's that's a very uncomfortable experience. So, look, I'll do my best for you guys. And if you have to put your foot down, you do. And in the interim, I'll just keep doing what I'm doing. Yeah. I look forward to it, mate. That's alright, Kij. Thank you again, and I'll talk to you in a couple of weeks. See you later. 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afternoon, kids. It's Tommy here, senior adviser from Oakview Financial. How are you doing? Mate, I'm doing fantastic. It's a beautiful cool week on the Gold Coast.\n\nWhat about your end? Oh, that's what we love. That's what we love. Mate, I've just got a few things I wanted to run by you today that Carl was working on for you a little while ago. Do you mind if I just go through a quick security check with you and we can jump into it together?\n\nPerfect. So as always, calls are recorded for training and quality purposes. I'm registered with Asica's adviser 1273105. Can I just get your date of birth and address for security, please? Correct.\n\nDate of birth and then residential address. Mhmm. Sensational. Thank you very much for that. Mate, a few things I was kind of looking at beforehand was a bit of a portfolio updates Carl was looking at with you for the super.\n\nAnd a few things I'm wanting to look at today was mainly around, a, service level expectations just to make sure that we're doing right by you and making sure that we've got the service that you expect from us. Outside of that, I can see that Carl did a bit of a reduction of the insurances earlier this year. Does that ring a bell? Perfect. Okay.\n\nSo I'm definitely on the same page there. Just in terms of goals to start with, just to make sure I've got this correct, your main priorities for the next five years is to obviously pay off the mortgage and then boost up the super as much as possible. And you were thinking about going overseas, go see your mom, and also possibly a bit of investing. Does that sound right? Perfect.\n\nOkay. Got you there. I did wanna update a few details with you just to see if there's been any major changes. But is there anything in particular that you would like to begin with or anything you want me to focus on today? Yes.\n\nGotcha. Yeah. Absolutely. Yes. Yeah.\n\nYep. Yep. Oh, Dana. Yes. Yep.\n\nYeah. Yeah. That's one of my my calling cards is I've done that my whole career. Yeah. Yeah.\n\nYep. Yeah. And that's I can see that'll be frustrating because it's not just one one little thing. There's a a culmination of many items over, what, twelve, eighteen months. Yeah.\n\nAnd it's only been recently resolved. Yeah. Mhmm. Yeah. And you're trying to actually get that value to get that outcome, which is to catch up the super, get you into a good retirement, and any other advice you need along the way.\n\nYep. Yeah. Yeah. That's the one. Yep.\n\nNeed to get that resolved at the least. Yep. Yep. No. I I appreciate you being frank with me because at the end of the day, for however long I've got you under my care, my duty of care to you is to get you in a position that I can based on my skill set.\n\nOutside of that, it's to uphold the service that you expect because I understand that once trust is lost, it's very hard to regain again. So what I will do is my utmost to at least fulfill what I can on my side of things. If you decide to stay with us, that would be fantastic. If not, we will do our best for however long we are together. Now I'll go through usual couple of checks with you because I wanna resolve the portfolio, number one, absolutely.\n\nAnd I wanna make it a bit bit more straightforward for you. It doesn't have to be confusing and up in the air for months that we can come to ideas and decisions quickly and efficiently and get onto it before the markets turn too badly, and we miss out on opportunities. So two things I'll I'll do. First of all, in terms of Kyle, brilliant man, when he was giving you advice earlier this year, he was a fully registered adviser. He had finished his apprenticeship.\n\nSo just to let you know, he wasn't an intern earlier in the year kind of thing. But any of those that we have, they're always overseen by a senior adviser as well. So just wanna give you some reassurance that anything that he did was checked by others as well to make sure it's in your best interest. For Nina? He is.\n\nYeah. Yeah. Absolutely. And I think usually for that twelve month apprenticeship, they do go through client contacts under supervision to make sure they're building those skills. And then once they're actually graduated, they're allowed to do it in isolation once qualified.\n\nWhen it comes to Minelle's situation, I do work pretty closely with Dana. So I will have a conversation with Dana to see where everything is sitting for her now that the insurances have been resolved and get some clear communication back to you guys so you know what the next steps are. Perfect. Yep. We'll resolve the the portfolio issue today because I can do that quite simply, and I'll put together the the plan for that quite quickly for you.\n\nOutside of that, let's just talk about a couple of main goals. Because like you said, everything here is for an outcome, and we're trying to get towards an outcome at some point. So I would like to have more joint discussions with you guys later on just to make sure that your joint joint retirement goals come into effect together because that's part of the service. Right? As you you've become a client together, you've referred your wife, you've placed trust in us to look after her situation as well.\n\nBut at the same time, retirement is something that you're both gonna do towards the same time together. Correct? Perfect. So at your age at the moment, you've got thirteen years and you till you can access the super at 60. That's your preservation age.\n\nAfterwards, age pension's unavailable till 67. Right? So we're talking quite a few years still. We've we've got thirteen years until preservation, maybe another five to seven after that if you wanna go that far. Does that make sense?\n\nNow when I've got your retirement goal here listed as $1,500 per week, My quick calculation is that you need somewhere between 700,000 and 1,500,000 in assets to produce that income either for twenty years or for a hundred years. That's kind of what we're aiming at, if that makes sense. So if we get you to, let's say, 700,000 in the super, that can produce 1,500 per week tax free for about twenty, twenty five years past life expectancy. That correct. Now individual.\n\nSo that's why I'm trying to think, okay, if 1,500 per week with the mortgage paid off is what I've got listed for your retirement goal, Do you believe that that would be sufficient for both of you, or we would need an additional amount? That's what I'm thinking. Perfect. So the government standards, they do a bit of a retirement standards where they say a couple should have around about 78,000, which is around about that amount. That's before having a mortgage paid off, and you do have an investment property, don't you?\n\nK. But that one's gonna be sold? K. Just briefly, once that gets sold, what's the intention there? Is that to just pay off the mortgage, get another place?\n\nWhat's the thinking there? Yes. Yep. And when you say that, that means pay off the mortgage, maximize your contributions, all that kind of thing. Perfect.\n\nSo what I'll do is when we update the portfolio for your hub 24, I'll include the updated projections, and we'll factor in those maximum contributions, see how that looks. Just bear in mind, this financial year, it's 32,500 combined. They've increased the cap a little bit this financial year. Perfect. Outside of that, you did have a bit of savings in an offset account.\n\nIs that essentially being pulled aside to AVE, pay off the mortgage, but also as a bit of an emergency fund? I think we had about 70,000. That might be a bit old. Yep. So that also crosses out the idea of doing some investing for the time being.\n\nThere's no point trying to throw $50,000 into a managed fund account to grow wealth if we need to build up savings first and pay off the mortgage. Does that sound right? Sure does. No. That's fine.\n\nSo what I need to make sure that we can do is that with the contributions that are going in, the growth of the investments and the additional contributions, that we can at least solidify the retirement goal. And are you wanting me to make sure that we can try and get there by age 60, like, as early as possible, or are you okay to go a few extra years? Yep. So intention is 60 if possible. And if you have to work one or two extra years, you will do so only if required.\n\nYep. Perfect. And you're still senior banner sorry, senior business analyst for Shell Energy at the moment? We've just hit end of financial year. Has the income changed from 148,000 for the year coming up now?\n\nYep. $1.53. Easy done. Okay. Let's have a look.\n\nWe've got the cars. We've got the investment property that'll go. Just in terms of debt values, just for a moment, then I can dive in the portfolio with you. We had you owing about 707,000 for your main residence and 6 90 for the investment property. No worries at all.\n\nNo. That's fine. Rough round figures is okay. Yep. And for the investment property?\n\n677. Perfect. Okay. That's all. Yeah.\n\nNo worries. No. Perfect. I've got the debt values listed. I've looked up an online evaluation.\n\nThe only owner occupier, they're they're saying about 827,000, but what would you say for the main residence? Yep. K. $9.50. No.\n\nThat's perfectly fine. I'll go off $9.50 for now. I know it has dropped down a little bit, but you know how these cycles, they tend to bump back up again over time. It doesn't take too long. And just lastly, I think that's pretty reasonable.\n\nYep. Okay. 900 flat. And just lastly, the investment property, that was $8.50 previously. Yeah.\n\nK. So this is part of what you're saying about, you know, life throws you some curveballs, the savings goes, but then at the same time, property market's affecting you guys as well. I think it's honestly, like I don't mean to overstep, Gidge, but being able to divest out of that property when you know it's no longer serving you, especially if it's costing you a lot of money, trying to clear 700,000 worth of debt while maintaining a property that may be negatively geared at the time, that's pretty difficult to do. So I think what you're looking to do makes a lot of sense. It may not feel good knowing that, you know, maybe a year or two ago, you could have got a bit more for it, but you can't hang on to something that's a bad apple for too long worrying about what could have been two years ago, if that makes sense.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nThe the foot traffic just disappeared. Everyone's there's a lot of fear in the market at the moment, and it may continue on for the rest of the year until people start dipping their toe back in. Right? Yep. Wow.\n\nOkay. So I think your site has been affected quite heavily too, and especially your area as well compared to some. I would just hazard just a bit of patience on it. I I know it's painful, but these things do tend to kind of even out over time. That's, you know, the market's liquid.\n\nIt's kind of like a a bit of water. It flows where it needs to. And they put the gates up and it stops flowing, and then all of a sudden it starts seeping under and and goes back there. So it may be painful for this year, but, you know, you're going in the right direction with it. It just may not come to fruition until next year.\n\nYep. Perfect. I'll keep a note on file about the properties. We'll keep an eye on those. With the reduction of the insurances that you did earlier in the year, you haven't had too much of a change in debt levels, income levels, anything like that.\n\nSo just double checking with you, the 1,500,000 for life insurance, disability insurance, do you still feel that's okay at the moment? Yes. Yep. K. Yeah.\n\nThat's the one thing that I'm kind of worried about is that when that increases next year in March, it's not too bad in the late forties, but the moment you hit forty nine fifty, the insurance starts to accelerate very quickly with age, and it'll become 6,000, 8,000, 10,000, 12,000 over the period of four or five years very quickly. So I need to keep a lid on the cost because if the soup is growing well, contributions are good. You don't want the fees to be dragging it back down again. No. I think they're fine for the time being.\n\nWhat I would do is if you sell off that property and then we touch base in the New Year, if that property is then gone and you don't need to cover off on those debts before the increase happens, they'll give us a notice within thirty to sixty days to tell us what the price changes, and then we can look at trimming it down again. And that way before that next amount comes out, we can have it all lined up. That sound alright? Yep. With your income protection, so one of the things you've got to keep keep in mind for income protection is you have the the full benefit features in terms of a thirty day waiting period, which is great.\n\nYou don't have to wait two months, three months for it to kick in, and it pays you all the way up to the age of 65, if that rings a bell. Now what tends to happen, it's currently protecting you for an income of a $153,800 because it's been slowly increasing with inflation to cover you for income increases, which is great. But that is the most expensive one as well. So, yes, once the debt's cleared, we can trim down the life insurance, the disability insurance. The income protection through the fifties, that'll start to jump up a couple thousand dollars as well.\n\nNow because you don't currently have the savings right now, you need to keep it as a thirty day waiting period. But once you have it built up, we can push it out to sixty or ninety days to reduce the premiums significantly as it starts to increase to offset that. In addition, once you have lower debts and not that many years until age 65, you could also trim down the benefit period to five years as well as a as a cost saving measure. So for the next five to eight years, we can very easily keep on top of the price of it as long as we review the waiting period according to your savings and the benefit period according to how much that would save. So that basically means your income is protected for as long as possible, and the soup is not being eaten away too quickly.\n\nAs that bit increases, those are the two levers that we can pull as well as shopping around to other insurers if they can offer a better deal as well. K. So I'll put in for a bit of a catch up in the New Year to review the insurances, make sure we get ahead of any price increases. If for some reason it takes a couple extra days and the premiums come out, they do give you pro rata refunds. So if it's three hundred and sixty five days and it takes us a week, they'll give you a 99% refund.\n\nSo we still got a little bit of time, if that makes sense. Yep. Perfect. Now when it comes to the portfolio itself, so this is a pretty simple equation for me, to be perfectly honest. You're sitting in a growth risk level inside the super at the moment.\n\nYou know that kind of four out of five on the risk scale, 80% in growth assets, shares, property, gold. Does that does that ring a bell? So the growth risk profile, which is that kind of 80 in growth assets, 20% in the safer kind of assets. Yep. Eighty twenty.\n\nSo the only ways to really get the super accelerated is higher returns or higher risk, reduce fees or put more money in, is essentially the four things. We keep on top of the insurance premiums. That's number one. You're already gonna maximize your contributions. That's number two.\n\nIt sounds to me that if I was to put you into some high growth portfolio and I called you in nine months' time and your super was sitting at 92 thousand dollars, don't think you would be very happy with that with your kids. No. So what what that basically points to is those underperforming investment options that are in there, mainly the option. We have to replace those with some better options to get it back up to the double digit returns because it should be doing at least 9% on average. And the portfolio that we do have where we have replaced that and done some research, they are hitting that twelve, thirteen, 14% that you need.\n\nYep. 17.5. Yep. So to keep that nice and straightforward, when I'm looking at your options that are in there, your all of your international options are doing fantastic. S and P 500, you've got global shares.\n\nThat's great. Cybersecurity has kicked back up again with the AI issues. Battery tech and lithium, that's your electric vehicles. That's going great. Gold is going great.\n\nBasically, what we need to do is fine tune three options out of the portfolio and slot in some replacements. So Benelong is number one. The other one is the bank hybrids that are being phased out by the government the next couple of years. While we can stay in there for a little while, if everybody sells off out of that one, it could actually drop quite quickly even though it's supposed to be a safe asset. So we have to divest out of that one as well.\n\nYep. Yeah. Absolutely. So if you log in to the Hub 24, your login's different than an adviser login. We normally go off very in-depth reports, but your your dashboard should be able to show you the options that you have towards, you know, just on the front screen dashboard.\n\nIf you go down a little bit, it should show you the options and those little four digit codes. Yep. Yep. Perfect. With the Australian listed securities, the managed funds, and the cash, does it show you the underlying options, the name of the options in that section?\n\nYep. Gotcha. And if you go up above there where it said Australian list of securities and managed funds, can you expand that at all? Like, click on it and it opens up? Yep.\n\nAnd that should have one, two, three, four, five, six, seven, eight options under securities and the one managed fund in Benelon. Yep. Correct. So what I'm basically looking at in these is ACDC at the top. That's your electric vehicles.\n\nBHYB, that's the one that's being phased out as a term deposit type vehicle. Gold cybersecurity composite bonds, that all looks great. S and P 500, that's the best. The property one, second last one there, VINEC property. A bit strange, but in Australia, obviously, property is one of the the go tos long term for the best returns.\n\nBut these property funds are actually tracking property companies. And since the government came out with the CGT changes and negative gearing, those companies have taken a quite a large hit in their values even though property market still, generally speaking, has been quite high for the last three to five years. So outside of a self managed super fund, which they've just banned, I do have to get you out of that option because the the property companies themselves, there's a lot of insolvencies on at the moment. It's only 300. Yep.\n\nYou invested $1,419.03. Yeah. Yeah. What I would like to do is so with the Benelon, yes, I will get a replacement option for that, but I also wanna make sure that it's not too high in Australian equities because that 25% that you saw, 25 is okay. We might go a little bit lower, but I'll I'll have a little look.\n\nBut I don't wanna put in $30.40 percent into that because the international side is what's growing a lot stronger. Now to kind of guide me a little bit, you've kind of already had the conversation previously with Kyle, but just give me a gut feeling on this one. Bennelong is an active fund manager, pay high fees, try and get a high return. They have essentially failed at that mandate, and we don't believe that they will increase again. Now the replacement options, Hub twenty four has the most options in the entire country, and there's 1,300 there.\n\nIt's the biggest investment menu. I can replace that with just a nice, beautiful, low fee ETF that tracks the Aussie market. That'll reduce those investment fees by about 90%, and it'll be back onto double digit returns for that asset class. I do have another act active fund manager that I've researched with the investment committee, which we have put Mina Lynn, which is Alfiniti, and it has been outperforming the Aussie market over one, three, five, and ten years. So I can do the same investment option that she has to try and outperform the market, or I can go a little bit lower fee with yours.\n\n10% less than Venmo. 3,400. So any sale of that one, we will use to offset any of the other gains to minimize the capital gains tax, and that'll reduce that impact a little bit when we switch it. So correct. So if there's any of the other ones that are positive that I would like to rebalance or update, I can do that and offset it for free, and that'll save 15 percent.\n\nYep. No. I believe we hang on. Let me double check. Yeah.\n\nThe 1.1% is yearly split into monthly payments, but we have kept the fees off of your account until we can resolve Mino's insurances and provide you with this advice. So we canceled it a couple of months ago, and I will not get you to sign another one until I have that advice in front of you to read and make sure you're happy with the advice. I did see some file notes about things that you had raised, and I'm definitely coming into this conversation. I wanted to make sure that I could address that with you. That's okay.\n\nYeah. Yeah. One thing I think I should do, which will be a little bit of fun for me, is why don't I put you in the low fee option for the time being? We'll let it run for twelve months, and then we'll compare how both of you guys have gone over that period. And if one of you would like to switch to the other style, we can make sure you're both in the same thing.\n\nBut that way, you can see how it both plays out over the year. Yep. Absolutely. And I think once we've got that fixed up, most of those portfolios where we have looked at those options, they're they're right back up into the twelve, thirteen, 14%, and it'll catch up very quickly over a period of the stock market going up, you will get that accelerated benefit. K.\n\nYeah. It's it's one of those things where I don't have a crystal ball to protect predict when the stock market's gonna go up and down, but I do know how these behave over the last three, five, ten, twenty years. And I can say with with certainty that both of these options will at least do far better than if we with Ben Long for any further or move back to even Australian Super. K. Alright.\n\nI will fast track this a little bit. Please bear with me for a moment just because I have just come back from leave having a third child. So my calendar is is quite booked up for the next couple of weeks, but I will get you in at the top of the list. We'll thank you. I have two boys and now a girl, and I've been having best time.\n\nLike, the boys, they love her. One seven, one three. They always wanna help grab the clothes and the nappies and grab the dummy, and they're probably kissing her a bit too much. I'm having a good time. But as soon as I got back, I had you booked in with me, and I looked at my calendar and went, oh, no.\n\nI'm booked out till, like, the September 10. Yep. Yep. Okay. So let me have a look at time frame.\n\nSo I do early shift on a Monday where I'm available decently early in the morning and then leave to pick up the kids. And then Tuesday, I've got a late night. So would you prefer early or late? Yeah. I'm looking at the seventh and the eighth at the moment.\n\nLet's have a look. Yeah. It'll have to be yeah. Sorry. The fourteenth is probably the best day for you because seventeenth, you're off, and I'm closed out that week beforehand mostly.\n\nSo fourteenth and fifteenth. Are we thinking Monday morning or Tuesday evening? Oh, actually, daylight savings in Victoria, doesn't that start in September? October 4. Okay.\n\nThank gosh. Didn't wanna mistime the appointment there. So I'm available anytime between 08:30 onwards in the morning on the Monday or anytime after, sorry, one to four on the Tuesday or 6PM on the Tuesday. Yep. Perfect.\n\nSo what I'll do in between, Kitch, is I'll put together the updated portfolio. I'll put a flag in for a discussion in the New Year about the insurances when we get the anniversary notice. We'll maximize the contributions for the time being, let you build up your savings, let you focus on the property goals. And in the interim, I'll have a chat with Dana and see what's going on with consolidation, if that's happening or not. And then we'll touch base on the fifteenth on the evening to get the super portfolio updated.\n\nHow's that sound for you? Mhmm. Yep. Yeah. I think with most clients, we do discuss strategies as a group to make sure we're all across everything that may be beneficial for people.\n\nI think it would be a good idea if I look after both yours and Mino's. And that way, we can have those joint retirement discussions, tile that in together, make sure someone understands both situations and the combined situation. How's that sound? Cool. So I'll have a look into that for the time being.\n\nWhen it comes to that appointment on the fifteenth, I will only have enough time to go through the updated portfolio with you, but then we can schedule in a bit of a joint retirement discussion afterwards. Yep. Cool. So I'll make sure that anything that comes through for me now comes through to me, and we'll have individual conversations if we need to if they're small enough. If we need to do any joint planning for larger goals, we'll have those as joint discussions.\n\nPerfect. Alrighty. Is there anything else I can do for you in in the interim between now and that appointment? Yeah. We've just jumped up 6% recently.\n\nLet me have a look. So let me have a quick look. We've got $135,000 up to $1.63.5 at the moment. And if I look at a bit of a report here, we've got twelve month report, income, capital growth. Okay.\n\nSo 10,600 worth of net growth, 20,000 worth of net income after fees and premiums, which is your your contributions after tax. So tax came out, premiums came out, contributions have netted to around 20, and there's about 10,000 worth of growth. From $1.30 to $1.60, dollar value, 10,600. That Benelon option is what's brought it down for that year. I've got S and P 500 up 9,000.\n\nGold up 5. Battery tech up three. Realistically, we should yeah. So I was just gonna say that the aim should be about 15 to 30 is what we're kind of aiming for if we get that 10 to 15% that we're looking for. Sorry.\n\nWhat were you saying? Yep. Oh, no. Sorry. $20,000 is the the net contributions after tax insurance premiums and fees.\n\nYep. So, yeah, 30,000 go in. You had the 4,000 of premiums come out, 15 percent super tax, then the hub and the oak view fees, 20 thousand kind of net contributed, and then 10,600 worth of net growth after investment fees. Alright. Five year is.\n\nTwelve months is is 6%, so a little bit below. But once we get that Benelon switched out, it'll go back up. Easy Easy done. Awesome. And, Kij, I do wanna say thank you for, one, being frank with me about your concerns.\n\nTwo, thank you for actually having a a discussion with me without just yelling at all the staff and being rude. I appreciate you being candid and polite. You know, we do get people who get grumpy about their employer putting the wrong thing in the wrong spot and yell at our staff for that, so I wanna thank you for that. Yeah. Yeah.\n\nRealistically, it should be like a couple of weeks kind of thing. And, you know, at most, if there's any issues, like a month. But, yeah, I'm yeah. That's that's a very uncomfortable experience. So, look, I'll do my best for you guys.\n\nAnd if you have to put your foot down, you do. And in the interim, I'll just keep doing what I'm doing. Yeah. I look forward to it, mate. That's alright, Kij.\n\nThank you again, and I'll talk to you in a couple of weeks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, kids.","start":3.1999998,"end":4.24,"sentiment":"neutral","sentiment_score":0.22071442008018494},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":4.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.1181431245058775},{"text":"How are you doing?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.11677959375083447},{"text":"Mate, I'm doing fantastic.","start":11.36,"end":12.66,"sentiment":"positive","sentiment_score":0.6575717031955719},{"text":"It's a beautiful cool week on the Gold Coast.","start":12.719999,"end":14.88,"sentiment":"positive","sentiment_score":0.6800563335418701}],"sentiment":"positive","sentiment_score":0.3866143016410725,"num_words":28,"start":3.1999998,"end":14.88},{"sentences":[{"text":"What about your end?","start":14.88,"end":15.645,"sentiment":"neutral","sentiment_score":0.15416472405195236},{"text":"Oh, that's what we love.","start":19.645,"end":21.645,"sentiment":"positive","sentiment_score":0.4622011959552765},{"text":"That's what we love.","start":21.645,"end":22.705,"sentiment":"positive","sentiment_score":0.3775644153356552},{"text":"Mate, I've just got a few things I wanted to run by you today that Carl was working on for you a little while ago.","start":23.165,"end":29.76,"sentiment":"neutral","sentiment_score":0.08895983815193176},{"text":"Do you mind if I just go through a quick security check with you and we can jump into it together?","start":30.24,"end":33.94,"sentiment":"neutral","sentiment_score":0.03899738263516199}],"sentiment":"neutral","sentiment_score":0.12679429705870354,"num_words":59,"start":14.88,"end":33.94},{"sentences":[{"text":"Perfect.","start":35.68,"end":36.16,"sentiment":"neutral","sentiment_score":0.13862286508083344},{"text":"So as always, calls are recorded for training and quality purposes.","start":36.16,"end":39.54,"sentiment":"neutral","sentiment_score":0.06192576682025736},{"text":"I'm registered with Asica's adviser 1273105.","start":39.92,"end":44.055,"sentiment":"neutral","sentiment_score":0.045985001449783645},{"text":"Can I just get your date of birth and address for security, please?","start":44.295002,"end":47.835,"sentiment":"neutral","sentiment_score":0.02611792230835328},{"text":"Correct.","start":53.415,"end":53.815002,"sentiment":"neutral","sentiment_score":0.015009596012532713}],"sentiment":"neutral","sentiment_score":0.04532059046323411,"num_words":32,"start":35.68,"end":53.815002},{"sentences":[{"text":"Date of birth and then residential address.","start":53.815002,"end":55.835,"sentiment":"neutral","sentiment_score":0.013455546727137906},{"text":"Mhmm.","start":58.775,"end":58.98,"sentiment":"neutral","sentiment_score":0.017416730523109436},{"text":"Sensational.","start":65.54,"end":66.04,"sentiment":"neutral","sentiment_score":0.0815674439072609},{"text":"Thank you very much for that.","start":66.34,"end":67.7,"sentiment":"positive","sentiment_score":0.4646473824977875},{"text":"Mate, a few things I was kind of looking at beforehand was a bit of a portfolio updates Carl was looking at with you for the super.","start":67.7,"end":75.985,"sentiment":"neutral","sentiment_score":0.11341255130591216}],"sentiment":"neutral","sentiment_score":0.14388562337539734,"num_words":42,"start":53.815002,"end":75.985},{"sentences":[{"text":"And a few things I'm wanting to look at today was mainly around, a, service level expectations just to make sure that we're doing right by you and making sure that we've got the service that you expect from us.","start":76.365005,"end":89.04,"sentiment":"neutral","sentiment_score":0.10251012709923088},{"text":"Outside of that, I can see that Carl did a bit of a reduction of the insurances earlier this year.","start":89.9,"end":95.58,"sentiment":"neutral","sentiment_score":-0.10120186023414135},{"text":"Does that ring a bell?","start":95.58,"end":96.72,"sentiment":"neutral","sentiment_score":-0.020532260462641717},{"text":"Perfect.","start":98.46,"end":98.94,"sentiment":"neutral","sentiment_score":0.19969722628593445},{"text":"Okay.","start":98.94,"end":99.26,"sentiment":"neutral","sentiment_score":0.1448114514350891}],"sentiment":"neutral","sentiment_score":0.03460022768200333,"num_words":67,"start":76.365005,"end":99.26},{"sentences":[{"text":"So I'm definitely on the same page there.","start":99.26,"end":101.985,"sentiment":"neutral","sentiment_score":0.2572308089584112},{"text":"Just in terms of goals to start with, just to make sure I've got this correct, your main priorities for the next five years is to obviously pay off the mortgage and then boost up the super as much as possible.","start":102.785,"end":114.785,"sentiment":"neutral","sentiment_score":0.2130039194371642},{"text":"And you were thinking about going overseas, go see your mom, and also possibly a bit of investing.","start":114.785,"end":121.27,"sentiment":"neutral","sentiment_score":0.13940543764167362},{"text":"Does that sound right?","start":121.49,"end":122.63,"sentiment":"neutral","sentiment_score":0.13692808710038662},{"text":"Perfect.","start":124.61,"end":125.11,"sentiment":"neutral","sentiment_score":0.2104988992214203}],"sentiment":"neutral","sentiment_score":0.1952571707467238,"num_words":72,"start":99.26,"end":125.11},{"sentences":[{"text":"Okay.","start":125.25,"end":125.75,"sentiment":"neutral","sentiment_score":0.10386429727077484},{"text":"Got you there.","start":125.89,"end":126.79,"sentiment":"neutral","sentiment_score":0.07134384041031201},{"text":"I did wanna update a few details with you just to see if there's been any major changes.","start":127.01,"end":131.27,"sentiment":"neutral","sentiment_score":0.10561475488874647},{"text":"But is there anything in particular that you would like to begin with or anything you want me to focus on today?","start":131.465,"end":136.36499,"sentiment":"neutral","sentiment_score":0.07542412728071213},{"text":"Yes.","start":149.87999,"end":150.37999,"sentiment":"neutral","sentiment_score":-0.08242551237344742}],"sentiment":"neutral","sentiment_score":0.08435259320669704,"num_words":45,"start":125.25,"end":150.37999},{"sentences":[{"text":"Gotcha.","start":181.8,"end":182.3,"sentiment":"neutral","sentiment_score":-0.31411415338516235},{"text":"Yeah.","start":200.58,"end":200.9,"sentiment":"neutral","sentiment_score":-0.04481962323188782},{"text":"Absolutely.","start":200.9,"end":201.4,"sentiment":"neutral","sentiment_score":-0.005209527909755707},{"text":"Yes.","start":221.635,"end":221.94,"sentiment":"neutral","sentiment_score":-0.060456812381744385},{"text":"Yeah.","start":247.315,"end":247.59,"sentiment":"neutral","sentiment_score":-0.06155303120613098}],"sentiment":"neutral","sentiment_score":-0.09723062962293624,"num_words":5,"start":181.8,"end":247.59},{"sentences":[{"text":"Yep.","start":274.245,"end":274.5,"sentiment":"neutral","sentiment_score":-0.16708789765834808},{"text":"Yep.","start":287.14,"end":287.64,"sentiment":"neutral","sentiment_score":-0.06754343211650848},{"text":"Oh, Dana.","start":287.78,"end":288.52,"sentiment":"neutral","sentiment_score":-0.06541107036173344},{"text":"Yes.","start":288.58,"end":288.945,"sentiment":"neutral","sentiment_score":-0.008245447650551796},{"text":"Yep.","start":296.225,"end":296.725,"sentiment":"neutral","sentiment_score":-0.10618692636489868}],"sentiment":"neutral","sentiment_score":-0.07998097408562899,"num_words":6,"start":274.245,"end":296.725},{"sentences":[{"text":"Yeah.","start":301.58502,"end":302.07,"sentiment":"neutral","sentiment_score":-0.09844860434532166},{"text":"Yeah.","start":312.87,"end":313.19,"sentiment":"neutral","sentiment_score":0.07333903014659882},{"text":"That's one of my my calling cards is I've done that my whole career.","start":313.19,"end":316.575,"sentiment":"neutral","sentiment_score":0.08742053593908038},{"text":"Yeah.","start":328.095,"end":328.59,"sentiment":"neutral","sentiment_score":0.08765488862991333},{"text":"Yeah.","start":348.445,"end":348.945,"sentiment":"neutral","sentiment_score":-0.03340556472539902}],"sentiment":"neutral","sentiment_score":0.06961262515849537,"num_words":18,"start":301.58502,"end":348.945},{"sentences":[{"text":"Yep.","start":367.98,"end":368.48,"sentiment":"neutral","sentiment_score":-0.15877388417720795},{"text":"Yeah.","start":370.22,"end":370.62,"sentiment":"neutral","sentiment_score":-0.06434094905853271},{"text":"And that's I can see that'll be frustrating because it's not just one one little thing.","start":370.62,"end":374.82498,"sentiment":"negative","sentiment_score":-0.3540944419801235},{"text":"There's a a culmination of many items over, what, twelve, eighteen months.","start":374.82498,"end":379.485,"sentiment":"neutral","sentiment_score":-0.17572074010968208},{"text":"Yeah.","start":396.08,"end":396.58,"sentiment":"neutral","sentiment_score":-0.17583273351192474}],"sentiment":"neutral","sentiment_score":-0.2636486296692202,"num_words":31,"start":367.98,"end":396.58},{"sentences":[{"text":"And it's only been recently resolved.","start":423.325,"end":439.96,"sentiment":"neutral","sentiment_score":-0.17171985159317651},{"text":"Yeah.","start":444.1,"end":444.6,"sentiment":"neutral","sentiment_score":-0.01324918121099472},{"text":"Mhmm.","start":446.18,"end":446.68,"sentiment":"neutral","sentiment_score":-0.05294324457645416},{"text":"Yeah.","start":469.09,"end":469.41,"sentiment":"positive","sentiment_score":0.5657542943954468},{"text":"And you're trying to actually get that value to get that outcome, which is to catch up the super, get you into a good retirement, and any other advice you need along the 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least.","start":526.3,"end":528.135,"sentiment":"negative","sentiment_score":-0.5679157115519047},{"text":"Yep.","start":540.81995,"end":541.31995,"sentiment":"neutral","sentiment_score":-0.1716526746749878},{"text":"Yep.","start":549.54,"end":550.04,"sentiment":"neutral","sentiment_score":-0.02131955325603485},{"text":"No.","start":553.62,"end":554.01996,"sentiment":"neutral","sentiment_score":-0.12617723643779755},{"text":"I I appreciate you being frank with me because at the end of the day, for however long I've got you under my care, my duty of care to you is to get you in a position that I can based on my skill set.","start":554.01996,"end":567.295,"sentiment":"positive","sentiment_score":0.5389014489120907}],"sentiment":"positive","sentiment_score":0.34621589364750044,"num_words":56,"start":526.3,"end":567.295},{"sentences":[{"text":"Outside of that, it's to uphold the service that you expect because I understand that once trust is lost, it's very hard to regain again.","start":567.675,"end":576.75,"sentiment":"neutral","sentiment_score":-0.02679856985807419},{"text":"So what I will do is my utmost to at least fulfill what I can on my side of things.","start":579.69,"end":585.39496,"sentiment":"positive","sentiment_score":0.3472771719098091},{"text":"If you decide to stay with us, that would be fantastic.","start":585.535,"end":588.75494,"sentiment":"positive","sentiment_score":0.43980912457812915},{"text":"If not, we will do our best for however long we are together.","start":589.45496,"end":593.07495,"sentiment":"neutral","sentiment_score":0.228144571185112},{"text":"Now I'll go through usual couple of checks with you because I wanna resolve the portfolio, number one, absolutely.","start":595.87,"end":601.73,"sentiment":"positive","sentiment_score":0.3720070547179172}],"sentiment":"neutral","sentiment_score":0.24031242076307535,"num_words":88,"start":567.675,"end":601.73},{"sentences":[{"text":"And I wanna make it a bit bit more straightforward for you.","start":602.26996,"end":606.85,"sentiment":"positive","sentiment_score":0.510941170156002},{"text":"It doesn't have to be confusing and up in the air for months that we can come to ideas and decisions quickly and efficiently and get onto it before the markets turn too badly, and we miss out on opportunities.","start":607.14996,"end":619.145,"sentiment":"neutral","sentiment_score":0.28801622726023196},{"text":"So two things I'll I'll do.","start":621.365,"end":624.425,"sentiment":"neutral","sentiment_score":0.2299722582101822},{"text":"First of all, in terms of Kyle, brilliant man, when he was giving you advice earlier this year, he was a fully registered adviser.","start":625.045,"end":632.93,"sentiment":"neutral","sentiment_score":0.21176012015591064},{"text":"He had finished his apprenticeship.","start":632.93,"end":634.71,"sentiment":"neutral","sentiment_score":0.11871332973241806}],"sentiment":"neutral","sentiment_score":0.2839952438384637,"num_words":87,"start":602.26996,"end":634.71},{"sentences":[{"text":"So just to let you know, he wasn't an intern earlier in the year kind of thing.","start":634.93,"end":639.465,"sentiment":"neutral","sentiment_score":0.0631297445472549},{"text":"But any of those that we have, they're always overseen by a senior adviser as well.","start":639.465,"end":646.505,"sentiment":"neutral","sentiment_score":0.16351403016597033},{"text":"So just wanna give you some reassurance that anything that he did was checked by others as well to make sure it's in your best interest.","start":646.505,"end":653.21,"sentiment":"neutral","sentiment_score":0.29169930059176225},{"text":"For Nina?","start":654.63,"end":655.69,"sentiment":"neutral","sentiment_score":0.08303605392575264},{"text":"He is.","start":659.59,"end":660.25,"sentiment":"neutral","sentiment_score":-0.02021767571568489}],"sentiment":"neutral","sentiment_score":0.1809404557422986,"num_words":63,"start":634.93,"end":660.25},{"sentences":[{"text":"Yeah.","start":679.365,"end":679.865,"sentiment":"neutral","sentiment_score":-0.05373808741569519},{"text":"Yeah.","start":680.165,"end":680.665,"sentiment":"neutral","sentiment_score":-0.02817496657371521},{"text":"Absolutely.","start":682.38,"end":682.88,"sentiment":"neutral","sentiment_score":-0.03522006794810295},{"text":"And I think usually for that twelve month apprenticeship, they do go through client contacts under supervision to make sure they're building those skills.","start":683.18,"end":692.0,"sentiment":"neutral","sentiment_score":0.10357430018484592},{"text":"And then once they're actually graduated, they're allowed to do it in isolation once qualified.","start":692.06,"end":698.085,"sentiment":"neutral","sentiment_score":0.05946208039919535}],"sentiment":"neutral","sentiment_score":0.07763288782111236,"num_words":42,"start":679.365,"end":698.085},{"sentences":[{"text":"When it comes to Minelle's situation, I do work pretty closely with Dana.","start":699.825,"end":704.325,"sentiment":"neutral","sentiment_score":0.1157120494888379},{"text":"So I will have a conversation with Dana to see where everything is sitting for her now that the insurances have been resolved and get some clear communication back to you guys so you know what the next steps are.","start":704.625,"end":716.72,"sentiment":"neutral","sentiment_score":0.14221459571272135},{"text":"Perfect.","start":718.7,"end":719.2,"sentiment":"positive","sentiment_score":0.6228206157684326},{"text":"Yep.","start":719.89996,"end":720.38,"sentiment":"positive","sentiment_score":0.5869008302688599},{"text":"We'll resolve the the portfolio issue today because I can do that quite simply, and I'll put together the the plan for that quite quickly for you.","start":720.38,"end":729.195,"sentiment":"positive","sentiment_score":0.642835960344032}],"sentiment":"neutral","sentiment_score":0.31413576642914515,"num_words":82,"start":699.825,"end":729.195},{"sentences":[{"text":"Outside of that, let's just talk about a couple of main goals.","start":729.495,"end":733.495,"sentiment":"neutral","sentiment_score":0.19028340900937715},{"text":"Because like you said, everything here is for an outcome, and we're trying to get towards an outcome at some point.","start":733.495,"end":739.015,"sentiment":"neutral","sentiment_score":0.3038104588077182},{"text":"So I would like to have more joint discussions with you guys later on just to make sure that your joint joint retirement goals come into effect together because that's part of the service.","start":739.015,"end":752.36,"sentiment":"positive","sentiment_score":0.46810870310839486},{"text":"Right?","start":752.36,"end":752.6,"sentiment":"neutral","sentiment_score":0.2723376154899597},{"text":"As you you've become a client together, you've referred your wife, you've placed trust in us to look after her situation as well.","start":752.6,"end":759.03503,"sentiment":"positive","sentiment_score":0.34957792447960895}],"sentiment":"positive","sentiment_score":0.3614477618382527,"num_words":91,"start":729.495,"end":759.03503},{"sentences":[{"text":"But at the same time, retirement is something that you're both gonna do towards the same time together.","start":759.03503,"end":764.075,"sentiment":"neutral","sentiment_score":0.2076433797677358},{"text":"Correct?","start":764.075,"end":764.575,"sentiment":"neutral","sentiment_score":0.14677557349205017},{"text":"Perfect.","start":766.075,"end":766.555,"sentiment":"neutral","sentiment_score":0.2589188516139984},{"text":"So at your age at the moment, you've got thirteen years and you till you can access the super at 60.","start":766.555,"end":773.37,"sentiment":"neutral","sentiment_score":0.061349714263564066},{"text":"That's your preservation age.","start":773.43,"end":775.05,"sentiment":"neutral","sentiment_score":0.02705139247700572}],"sentiment":"neutral","sentiment_score":0.1231072184526258,"num_words":45,"start":759.03503,"end":775.05},{"sentences":[{"text":"Afterwards, age pension's unavailable till 67.","start":775.67,"end":778.71,"sentiment":"neutral","sentiment_score":-0.051465850323438644},{"text":"Right?","start":778.71,"end":778.95,"sentiment":"neutral","sentiment_score":0.015448618680238724},{"text":"So we're talking quite a few years still.","start":778.95,"end":781.41504,"sentiment":"neutral","sentiment_score":0.0049557494930922985},{"text":"We've we've got thirteen years until preservation, maybe another five to seven after that if you wanna go that far.","start":781.41504,"end":787.015,"sentiment":"neutral","sentiment_score":0.05560778211802244},{"text":"Does that make sense?","start":787.015,"end":787.995,"sentiment":"neutral","sentiment_score":0.06383760925382376}],"sentiment":"neutral","sentiment_score":0.02855911774513049,"num_words":39,"start":775.67,"end":787.995},{"sentences":[{"text":"Now when I've got your retirement goal here listed as $1,500 per week, My quick calculation is that you need somewhere between 700,000 and 1,500,000 in assets to produce that income either for twenty years or for a hundred years.","start":790.775,"end":809.535,"sentiment":"neutral","sentiment_score":0.18346227128058673},{"text":"That's kind of what we're aiming at, if that makes sense.","start":810.65497,"end":813.71497,"sentiment":"neutral","sentiment_score":0.29316371272910724},{"text":"So if we get you to, let's say, 700,000 in the super, that can produce 1,500 per week tax free for about twenty, twenty five years past life expectancy.","start":816.33496,"end":829.41003,"sentiment":"neutral","sentiment_score":0.17644985662452106},{"text":"That correct.","start":831.79004,"end":834.53,"sentiment":"neutral","sentiment_score":0.03804841265082359},{"text":"Now individual.","start":836.27,"end":840.785,"sentiment":"neutral","sentiment_score":-0.019305281341075897}],"sentiment":"neutral","sentiment_score":0.18711694995207445,"num_words":84,"start":790.775,"end":840.785},{"sentences":[{"text":"So that's why I'm trying to think, okay, if 1,500 per week with the mortgage paid off is what I've got listed for your retirement goal, Do you believe that that would be sufficient for both of you, or we would need an additional amount?","start":841.245,"end":854.88,"sentiment":"neutral","sentiment_score":0.05076342477566666},{"text":"That's what I'm thinking.","start":864.755,"end":869.415,"sentiment":"neutral","sentiment_score":0.05197414755821228},{"text":"Perfect.","start":872.355,"end":872.855,"sentiment":"positive","sentiment_score":0.45431873202323914},{"text":"So the government standards, they do a bit of a retirement standards where they say a couple should have around about 78,000, which is around about that amount.","start":873.15497,"end":882.46,"sentiment":"neutral","sentiment_score":0.153131490573287},{"text":"That's before having a mortgage paid off, and you do have an investment property, don't you?","start":883.24,"end":887.34,"sentiment":"neutral","sentiment_score":0.0498869230505079}],"sentiment":"neutral","sentiment_score":0.08545151002150267,"num_words":94,"start":841.245,"end":887.34},{"sentences":[{"text":"K.","start":888.68,"end":888.92,"sentiment":"neutral","sentiment_score":0.02047653496265411},{"text":"But that one's gonna be sold?","start":888.92,"end":890.325,"sentiment":"neutral","sentiment_score":0.011420841484020153},{"text":"K.","start":895.925,"end":896.425,"sentiment":"neutral","sentiment_score":0.02565990388393402},{"text":"Just briefly, once that gets sold, what's the intention there?","start":896.565,"end":900.085,"sentiment":"neutral","sentiment_score":0.009161755139939488},{"text":"Is that to just pay off the mortgage, get another place?","start":900.085,"end":902.58,"sentiment":"neutral","sentiment_score":-0.04104658724232153}],"sentiment":"neutral","sentiment_score":-0.008456324845359757,"num_words":29,"start":888.68,"end":902.58},{"sentences":[{"text":"What's the thinking there?","start":902.74,"end":907.16003,"sentiment":"neutral","sentiment_score":-0.02631706278771162},{"text":"Yes.","start":914.74,"end":915.045,"sentiment":"neutral","sentiment_score":0.14313292503356934},{"text":"Yep.","start":917.925,"end":918.425,"sentiment":"neutral","sentiment_score":0.1316160261631012},{"text":"And when you say that, that means pay off the mortgage, maximize your contributions, all that kind of thing.","start":919.125,"end":924.505,"sentiment":"neutral","sentiment_score":0.09986942928088338},{"text":"Perfect.","start":926.96497,"end":927.365,"sentiment":"positive","sentiment_score":0.6320552825927734}],"sentiment":"neutral","sentiment_score":0.10380981303751469,"num_words":26,"start":902.74,"end":927.365},{"sentences":[{"text":"So what I'll do is when we update the portfolio for your hub 24, I'll include the updated projections, and we'll factor in those maximum contributions, see how that looks.","start":927.365,"end":939.915,"sentiment":"neutral","sentiment_score":0.2360276406009992},{"text":"Just bear in mind, this financial year, it's 32,500 combined.","start":940.475,"end":944.01495,"sentiment":"neutral","sentiment_score":0.09727284833788871},{"text":"They've increased the cap a little bit this financial year.","start":944.15497,"end":946.735,"sentiment":"neutral","sentiment_score":0.15078019350767136},{"text":"Perfect.","start":948.555,"end":949.055,"sentiment":"neutral","sentiment_score":0.10711414366960526},{"text":"Outside of that, you did have a bit of savings in an offset account.","start":950.315,"end":953.855,"sentiment":"neutral","sentiment_score":0.0665095110556909}],"sentiment":"neutral","sentiment_score":0.1630708759220747,"num_words":65,"start":927.365,"end":953.855},{"sentences":[{"text":"Is that essentially being pulled aside to AVE, pay off the mortgage, but also as a bit of an emergency fund?","start":954.315,"end":961.52,"sentiment":"neutral","sentiment_score":0.054218469542406854},{"text":"I think we had about 70,000.","start":967.66003,"end":969.34,"sentiment":"neutral","sentiment_score":-0.07936384404699008},{"text":"That might be a bit old.","start":969.34,"end":970.365,"sentiment":"neutral","sentiment_score":-0.23968635747830072},{"text":"Yep.","start":984.845,"end":985.345,"sentiment":"neutral","sentiment_score":0.039460185915231705},{"text":"So that also crosses out the idea of doing some investing for the time being.","start":986.02,"end":990.74,"sentiment":"neutral","sentiment_score":0.09660539180040359}],"sentiment":"neutral","sentiment_score":0.014547504370613975,"num_words":49,"start":954.315,"end":990.74},{"sentences":[{"text":"There's no point trying to throw $50,000 into a managed fund account to grow wealth if we need to build up savings first and pay off the mortgage.","start":990.74,"end":998.74,"sentiment":"neutral","sentiment_score":-0.03975875090275492},{"text":"Does that sound right?","start":998.74,"end":999.72003,"sentiment":"neutral","sentiment_score":0.002543897368013859},{"text":"Sure does.","start":1006.635,"end":1007.455,"sentiment":"neutral","sentiment_score":0.19692417234182358},{"text":"No.","start":1009.115,"end":1009.355,"sentiment":"neutral","sentiment_score":0.02658667787909508},{"text":"That's fine.","start":1009.355,"end":1010.075,"sentiment":"neutral","sentiment_score":0.11649557948112488}],"sentiment":"neutral","sentiment_score":-0.012152520385948388,"num_words":37,"start":990.74,"end":1010.075},{"sentences":[{"text":"So what I need to make sure that we can do is that with the contributions that are going in, the growth of the investments and the additional contributions, that we can at least solidify the retirement goal.","start":1010.075,"end":1022.46,"sentiment":"neutral","sentiment_score":0.1668916962256557},{"text":"And are you wanting me to make sure that we can try and get there by age 60, like, as early as possible, or are you okay to go a few extra years?","start":1022.46,"end":1029.475,"sentiment":"neutral","sentiment_score":0.02649231706604813},{"text":"Yep.","start":1036.815,"end":1037.2949,"sentiment":"neutral","sentiment_score":0.05580637976527214},{"text":"So intention is 60 if possible.","start":1037.2949,"end":1039.3949,"sentiment":"neutral","sentiment_score":0.026426522061228752},{"text":"And if you have to work one or two extra years, you will do so only if required.","start":1039.77,"end":1043.55,"sentiment":"neutral","sentiment_score":0.008065404991308847}],"sentiment":"neutral","sentiment_score":0.07891326793469489,"num_words":96,"start":1010.075,"end":1043.55},{"sentences":[{"text":"Yep.","start":1046.0901,"end":1046.5901,"sentiment":"neutral","sentiment_score":0.1615850031375885},{"text":"Perfect.","start":1046.65,"end":1047.15,"sentiment":"positive","sentiment_score":0.4503245949745178},{"text":"And you're still senior banner sorry, senior business analyst for Shell Energy at the moment?","start":1048.73,"end":1053.875,"sentiment":"neutral","sentiment_score":0.034055730203787486},{"text":"We've just hit end of financial year.","start":1055.615,"end":1057.615,"sentiment":"neutral","sentiment_score":0.00020713904606444494},{"text":"Has the income changed from 148,000 for the year coming up now?","start":1057.615,"end":1063.4751,"sentiment":"neutral","sentiment_score":-0.0034353408652047315}],"sentiment":"neutral","sentiment_score":0.030082539836358693,"num_words":36,"start":1046.0901,"end":1063.4751},{"sentences":[{"text":"Yep.","start":1067.4551,"end":1067.76,"sentiment":"neutral","sentiment_score":0.05404987186193466},{"text":"$1.53.","start":1068.3201,"end":1069.54,"sentiment":"neutral","sentiment_score":0.06771895289421082},{"text":"Easy done.","start":1072.3201,"end":1073.14,"sentiment":"neutral","sentiment_score":0.22933044284582138},{"text":"Okay.","start":1073.92,"end":1074.42,"sentiment":"neutral","sentiment_score":0.08689207583665848},{"text":"Let's have a look.","start":1077.12,"end":1078.1,"sentiment":"neutral","sentiment_score":0.07564151659607887}],"sentiment":"neutral","sentiment_score":0.1077653169631958,"num_words":9,"start":1067.4551,"end":1078.1},{"sentences":[{"text":"We've got the cars.","start":1078.4,"end":1079.46,"sentiment":"neutral","sentiment_score":0.04585268162190914},{"text":"We've got the investment property that'll go.","start":1079.84,"end":1082.02,"sentiment":"neutral","sentiment_score":0.06235191971063614},{"text":"Just in terms of debt values, just for a moment, then I can dive in the portfolio with you.","start":1083.215,"end":1087.395,"sentiment":"neutral","sentiment_score":0.07291917071530693},{"text":"We had you owing about 707,000 for your main residence and 6 90 for the investment property.","start":1087.6951,"end":1094.275,"sentiment":"neutral","sentiment_score":0.022232533377759597},{"text":"No worries at all.","start":1101.31,"end":1102.4501,"sentiment":"neutral","sentiment_score":0.08677559345960617}],"sentiment":"neutral","sentiment_score":0.053537134300259984,"num_words":51,"start":1078.4,"end":1102.4501},{"sentences":[{"text":"No.","start":1113.805,"end":1114.125,"sentiment":"neutral","sentiment_score":-0.05258947238326073},{"text":"That's fine.","start":1114.125,"end":1114.685,"sentiment":"neutral","sentiment_score":0.019750047475099564},{"text":"Rough round figures is okay.","start":1114.685,"end":1116.305,"sentiment":"neutral","sentiment_score":-0.03917302712798119},{"text":"Yep.","start":1122.84,"end":1123.34,"sentiment":"neutral","sentiment_score":0.047258876264095306},{"text":"And for the investment property?","start":1123.48,"end":1125.02,"sentiment":"neutral","sentiment_score":0.019504084065556527}],"sentiment":"neutral","sentiment_score":-0.004583944034363542,"num_words":14,"start":1113.805,"end":1125.02},{"sentences":[{"text":"677.","start":1128.52,"end":1129.9,"sentiment":"neutral","sentiment_score":0.019832178950309753},{"text":"Perfect.","start":1130.76,"end":1131.26,"sentiment":"positive","sentiment_score":0.40050023794174194},{"text":"Okay.","start":1133.7999,"end":1134.2,"sentiment":"neutral","sentiment_score":0.15467248857021332},{"text":"That's all.","start":1134.2,"end":1135.02,"sentiment":"neutral","sentiment_score":0.06884762644767761},{"text":"Yeah.","start":1135.08,"end":1135.4,"sentiment":"neutral","sentiment_score":0.07313290983438492}],"sentiment":"neutral","sentiment_score":0.13097217803200087,"num_words":6,"start":1128.52,"end":1135.4},{"sentences":[{"text":"No worries.","start":1135.4,"end":1135.905,"sentiment":"neutral","sentiment_score":0.07604818791151047},{"text":"No.","start":1151.96,"end":1152.12,"sentiment":"neutral","sentiment_score":0.008676804602146149},{"text":"Perfect.","start":1152.12,"end":1152.62,"sentiment":"neutral","sentiment_score":0.21877449750900269},{"text":"I've got the debt values listed.","start":1153.08,"end":1154.78,"sentiment":"neutral","sentiment_score":0.03911274423201879},{"text":"I've looked up an online evaluation.","start":1155.08,"end":1157.34,"sentiment":"neutral","sentiment_score":0.042232828214764595}],"sentiment":"neutral","sentiment_score":0.05422631953842938,"num_words":16,"start":1135.4,"end":1157.34},{"sentences":[{"text":"The only owner occupier, they're they're saying about 827,000, but what would you say for the main residence?","start":1157.72,"end":1164.7,"sentiment":"neutral","sentiment_score":-0.018038616250527814},{"text":"Yep.","start":1173.245,"end":1173.745,"sentiment":"neutral","sentiment_score":0.02723502367734909},{"text":"K.","start":1179.405,"end":1179.84,"sentiment":"neutral","sentiment_score":0.0035712197422981262},{"text":"$9.50.","start":1181.6799,"end":1182.5,"sentiment":"neutral","sentiment_score":0.003935812506824732},{"text":"No.","start":1184.48,"end":1184.72,"sentiment":"neutral","sentiment_score":-0.08693443238735199}],"sentiment":"neutral","sentiment_score":-0.01713124858956276,"num_words":22,"start":1157.72,"end":1184.72},{"sentences":[{"text":"That's perfectly fine.","start":1184.72,"end":1185.9199,"sentiment":"neutral","sentiment_score":0.01539841953975459},{"text":"I'll go off $9.50 for now.","start":1185.9199,"end":1187.2,"sentiment":"neutral","sentiment_score":-0.011772610557576021},{"text":"I know it has dropped down a little bit, but you know how these cycles, they tend to bump back up again over time.","start":1187.2,"end":1192.5599,"sentiment":"neutral","sentiment_score":-0.18570826637248197},{"text":"It doesn't take too long.","start":1192.5599,"end":1194.02,"sentiment":"neutral","sentiment_score":-0.12146964073181152},{"text":"And just lastly, I think that's pretty reasonable.","start":1196.585,"end":1203.165,"sentiment":"neutral","sentiment_score":0.12106831558048725}],"sentiment":"neutral","sentiment_score":-0.08957044514523738,"num_words":46,"start":1184.72,"end":1203.165},{"sentences":[{"text":"Yep.","start":1210.36,"end":1210.86,"sentiment":"neutral","sentiment_score":-0.005298360250890255},{"text":"Okay.","start":1211.08,"end":1211.58,"sentiment":"neutral","sentiment_score":0.00815601460635662},{"text":"900 flat.","start":1211.64,"end":1212.78,"sentiment":"neutral","sentiment_score":0.01631498895585537},{"text":"And just lastly, the investment property, that was $8.50 previously.","start":1212.84,"end":1216.62,"sentiment":"neutral","sentiment_score":-0.003218154795467853},{"text":"Yeah.","start":1231.975,"end":1232.37,"sentiment":"neutral","sentiment_score":-0.1098061352968216}],"sentiment":"neutral","sentiment_score":-0.007100003398954868,"num_words":15,"start":1210.36,"end":1232.37},{"sentences":[{"text":"K.","start":1236.05,"end":1236.37,"sentiment":"neutral","sentiment_score":-0.07734745740890503},{"text":"So this is part of what you're saying about, you know, life throws you some curveballs, the savings goes, but then at the same time, property market's affecting you guys as well.","start":1236.37,"end":1245.19,"sentiment":"neutral","sentiment_score":-0.07965903158765286},{"text":"I think it's honestly, like I don't mean to overstep, Gidge, but being able to divest out of that property when you know it's no longer serving you, especially if it's costing you a lot of money, trying to clear 700,000 worth of debt while maintaining a property that may be negatively geared at the time, that's pretty difficult to do.","start":1248.735,"end":1268.57,"sentiment":"neutral","sentiment_score":-0.2752457021689806},{"text":"So I think what you're looking to do makes a lot of sense.","start":1268.57,"end":1271.71,"sentiment":"neutral","sentiment_score":0.3250004041653413},{"text":"It may not feel good knowing that, you know, maybe a year or two ago, you could have got a bit more for it, but you can't hang on to something that's a bad apple for too long worrying about what could have been two years ago, if that makes sense.","start":1271.77,"end":1284.5851,"sentiment":"neutral","sentiment_score":-0.25479328793053535}],"sentiment":"neutral","sentiment_score":-0.17839162487866758,"num_words":158,"start":1236.05,"end":1284.5851},{"sentences":[{"text":"Yep.","start":1289.4451,"end":1289.9451,"sentiment":"neutral","sentiment_score":0.07717897742986679},{"text":"Yeah.","start":1294.5,"end":1295.0,"sentiment":"neutral","sentiment_score":0.03072560392320156},{"text":"Yep.","start":1299.86,"end":1300.36,"sentiment":"neutral","sentiment_score":0.04811793565750122},{"text":"Yep.","start":1306.9951,"end":1307.4951,"sentiment":"neutral","sentiment_score":0.08622261136770248},{"text":"Yeah.","start":1337.855,"end":1338.355,"sentiment":"negative","sentiment_score":-0.37314748764038086}],"sentiment":"neutral","sentiment_score":-0.026180471852421762,"num_words":5,"start":1289.4451,"end":1338.355},{"sentences":[{"text":"The the foot traffic just disappeared.","start":1338.655,"end":1340.755,"sentiment":"negative","sentiment_score":-0.5736980438232422},{"text":"Everyone's there's a lot of fear in the market at the moment, and it may continue on for the rest of the year until people start dipping their toe back in.","start":1340.815,"end":1349.2,"sentiment":"negative","sentiment_score":-0.5350212599000623},{"text":"Right?","start":1349.2,"end":1349.7,"sentiment":"neutral","sentiment_score":-0.2268267571926117},{"text":"Yep.","start":1357.005,"end":1357.505,"sentiment":"neutral","sentiment_score":-0.15521033108234406},{"text":"Wow.","start":1364.045,"end":1364.545,"sentiment":"neutral","sentiment_score":-0.10220561921596528}],"sentiment":"negative","sentiment_score":-0.5128022506833076,"num_words":40,"start":1338.655,"end":1364.545},{"sentences":[{"text":"Okay.","start":1367.245,"end":1367.745,"sentiment":"neutral","sentiment_score":-0.07183288037776947},{"text":"So I think your site has been affected quite heavily too, and especially your area as well compared to some.","start":1367.805,"end":1373.83,"sentiment":"negative","sentiment_score":-0.3401578992605209},{"text":"I would just hazard just a bit of patience on it.","start":1375.09,"end":1377.41,"sentiment":"neutral","sentiment_score":-0.23268651420419867},{"text":"I I know it's painful, but these things do tend to kind of even out over time.","start":1377.41,"end":1382.13,"sentiment":"neutral","sentiment_score":-0.2535884818610023},{"text":"That's, you know, the market's liquid.","start":1382.13,"end":1383.875,"sentiment":"neutral","sentiment_score":-0.24137757221857706}],"sentiment":"neutral","sentiment_score":-0.2762511299415068,"num_words":55,"start":1367.245,"end":1383.875},{"sentences":[{"text":"It's kind of like a a bit of water.","start":1383.935,"end":1385.855,"sentiment":"neutral","sentiment_score":-0.18858320845497978},{"text":"It flows where it needs to.","start":1385.855,"end":1387.4751,"sentiment":"neutral","sentiment_score":-0.16447757681210837},{"text":"And they put the gates up and it stops flowing, and then all of a sudden it starts seeping under and and goes back there.","start":1387.615,"end":1392.8151,"sentiment":"neutral","sentiment_score":-0.22869115114212035},{"text":"So it may be painful for this year, but, you know, you're going in the right direction with it.","start":1392.8151,"end":1397.94,"sentiment":"neutral","sentiment_score":0.020868046503317982},{"text":"It just may not come to fruition until next year.","start":1398.1799,"end":1401.1599,"sentiment":"negative","sentiment_score":-0.3926878973841667}],"sentiment":"neutral","sentiment_score":-0.17292433631592902,"num_words":69,"start":1383.935,"end":1401.1599},{"sentences":[{"text":"Yep.","start":1423.005,"end":1423.505,"sentiment":"neutral","sentiment_score":0.1782301366329193},{"text":"Perfect.","start":1423.965,"end":1424.4,"sentiment":"positive","sentiment_score":0.484050452709198},{"text":"I'll keep a note on file about the properties.","start":1425.36,"end":1427.4401,"sentiment":"neutral","sentiment_score":0.18255260586738586},{"text":"We'll keep an eye on those.","start":1427.4401,"end":1428.74,"sentiment":"neutral","sentiment_score":0.17088188976049423},{"text":"With the reduction of the insurances that you did earlier in the year, you haven't had too much of a change in debt levels, income levels, anything like that.","start":1429.68,"end":1438.56,"sentiment":"neutral","sentiment_score":0.03895712322716055}],"sentiment":"neutral","sentiment_score":0.09696308596302634,"num_words":46,"start":1423.005,"end":1438.56},{"sentences":[{"text":"So just double checking with you, the 1,500,000 for life insurance, disability insurance, do you still feel that's okay at the moment?","start":1438.56,"end":1446.3251,"sentiment":"neutral","sentiment_score":0.07635859958827496},{"text":"Yes.","start":1457.2001,"end":1457.7001,"sentiment":"neutral","sentiment_score":0.0018676910549402237},{"text":"Yep.","start":1478.175,"end":1478.52,"sentiment":"neutral","sentiment_score":-0.051354896277189255},{"text":"K.","start":1479.0801,"end":1479.5801,"sentiment":"neutral","sentiment_score":-0.05487898737192154},{"text":"Yeah.","start":1488.68,"end":1489.0801,"sentiment":"neutral","sentiment_score":-0.0037766769528388977}],"sentiment":"neutral","sentiment_score":0.06045178159211691,"num_words":26,"start":1438.56,"end":1489.0801},{"sentences":[{"text":"That's the one thing that I'm kind of worried about is that when that increases next year in March, it's not too bad in the late forties, but the moment you hit forty nine fifty, the insurance starts to accelerate very quickly with age, and it'll become 6,000, 8,000, 10,000, 12,000 over the period of four or five years very quickly.","start":1489.0801,"end":1510.86,"sentiment":"neutral","sentiment_score":-0.08577649041888166},{"text":"So I need to keep a lid on the cost because if the soup is growing well, contributions are good.","start":1510.92,"end":1515.8,"sentiment":"neutral","sentiment_score":0.011803474090993405},{"text":"You don't want the fees to be dragging it back down again.","start":1515.8,"end":1518.38,"sentiment":"neutral","sentiment_score":-0.16813462134450674},{"text":"No.","start":1540.87,"end":1541.1101,"sentiment":"neutral","sentiment_score":-0.16012898087501526},{"text":"I think they're fine for the time being.","start":1541.1101,"end":1543.05,"sentiment":"neutral","sentiment_score":-0.12076492793858051}],"sentiment":"neutral","sentiment_score":-0.07980549308087896,"num_words":102,"start":1489.0801,"end":1543.05},{"sentences":[{"text":"What I would do is if you sell off that property and then we touch base in the New Year, if that property is then gone and you don't need to cover off on those debts before the increase happens, they'll give us a notice within thirty to sixty days to tell us what the price changes, and then we can look at trimming it down again.","start":1543.1101,"end":1562.52,"sentiment":"neutral","sentiment_score":-0.050401084347447354},{"text":"And that way before that next amount comes out, we can have it all lined up.","start":1564.5,"end":1568.68,"sentiment":"neutral","sentiment_score":0.05207950575277209},{"text":"That sound alright?","start":1570.3401,"end":1571.3201,"sentiment":"neutral","sentiment_score":0.25516295929749805},{"text":"Yep.","start":1580.1151,"end":1580.6151,"sentiment":"neutral","sentiment_score":0.3070753216743469},{"text":"With your income protection, so one of the things you've got to keep keep in mind for income protection is you have the the full benefit features in terms of a thirty day waiting period, which is great.","start":1581.875,"end":1596.01,"sentiment":"neutral","sentiment_score":0.3221998089238217}],"sentiment":"neutral","sentiment_score":0.08618045103549957,"num_words":125,"start":1543.1101,"end":1596.01},{"sentences":[{"text":"You don't have to wait two months, three months for it to kick in, and it pays you all the way up to the age of 65, if that rings a bell.","start":1596.01,"end":1603.0751,"sentiment":"neutral","sentiment_score":0.1727977164555341},{"text":"Now what tends to happen, it's currently protecting you for an income of a $153,800 because it's been slowly increasing with inflation to cover you for income increases, which is great.","start":1605.135,"end":1618.97,"sentiment":"neutral","sentiment_score":0.1607445248312527},{"text":"But that is the most expensive one as well.","start":1620.79,"end":1624.07,"sentiment":"neutral","sentiment_score":-0.3047940813832813},{"text":"So, yes, once the debt's cleared, we can trim down the life insurance, the disability insurance.","start":1624.07,"end":1628.625,"sentiment":"neutral","sentiment_score":-0.055695668095722795},{"text":"The income protection through the fifties, that'll start to jump up a couple thousand dollars as well.","start":1629.005,"end":1633.505,"sentiment":"neutral","sentiment_score":0.017177365720272064}],"sentiment":"neutral","sentiment_score":0.06828899992009003,"num_words":105,"start":1596.01,"end":1633.505},{"sentences":[{"text":"Now because you don't currently have the savings right now, you need to keep it as a thirty day waiting period.","start":1635.885,"end":1640.765,"sentiment":"neutral","sentiment_score":0.002170456662064507},{"text":"But once you have it built up, we can push it out to sixty or ninety days to reduce the premiums significantly as it starts to increase to offset that.","start":1640.765,"end":1649.7,"sentiment":"neutral","sentiment_score":0.09208564447859922},{"text":"In addition, once you have lower debts and not that many years until age 65, you could also trim down the benefit period to five years as well as a as a cost saving measure.","start":1652.88,"end":1665.5549,"sentiment":"neutral","sentiment_score":0.29199857498918264},{"text":"So for the next five to eight years, we can very easily keep on top of the price of it as long as we review the waiting period according to your savings and the benefit period according to how much that would save.","start":1665.615,"end":1679.57,"sentiment":"neutral","sentiment_score":0.2792259543094524},{"text":"So that basically means your income is protected for as long as possible, and the soup is not being eaten away too quickly.","start":1682.03,"end":1688.5851,"sentiment":"neutral","sentiment_score":0.16161370990069016}],"sentiment":"neutral","sentiment_score":0.18915743692042797,"num_words":152,"start":1635.885,"end":1688.5851},{"sentences":[{"text":"As that bit increases, those are the two levers that we can pull as well as shopping around to other insurers if they can offer a better deal as well.","start":1688.9651,"end":1696.505,"sentiment":"neutral","sentiment_score":0.17801962296168009},{"text":"K.","start":1698.7251,"end":1698.9651,"sentiment":"neutral","sentiment_score":0.1150333732366562},{"text":"So I'll put in for a bit of a catch up in the New Year to review the insurances, make sure we get ahead of any price increases.","start":1698.9651,"end":1705.53,"sentiment":"neutral","sentiment_score":0.12387370890272516},{"text":"If for some reason it takes a couple extra days and the premiums come out, they do give you pro rata refunds.","start":1706.0701,"end":1712.65,"sentiment":"neutral","sentiment_score":0.1352113580161875},{"text":"So if it's three hundred and sixty five days and it takes us a week, they'll give you a 99% refund.","start":1713.11,"end":1720.125,"sentiment":"neutral","sentiment_score":0.1393998052392687}],"sentiment":"neutral","sentiment_score":0.1453542323308248,"num_words":102,"start":1688.9651,"end":1720.125},{"sentences":[{"text":"So we still got a little bit of time, if that makes sense.","start":1720.665,"end":1723.9651,"sentiment":"neutral","sentiment_score":0.07017411005038482},{"text":"Yep.","start":1729.545,"end":1729.9451,"sentiment":"neutral","sentiment_score":0.17997917532920835},{"text":"Perfect.","start":1729.9451,"end":1730.4451,"sentiment":"neutral","sentiment_score":0.2212161123752594},{"text":"Now when it comes to the portfolio itself, so this is a pretty simple equation for me, to be perfectly honest.","start":1731.5901,"end":1737.93,"sentiment":"neutral","sentiment_score":0.0272474182503564},{"text":"You're sitting in a growth risk level inside the super at the moment.","start":1738.55,"end":1741.99,"sentiment":"neutral","sentiment_score":-0.03595420746849133}],"sentiment":"neutral","sentiment_score":0.028943873561766684,"num_words":49,"start":1720.665,"end":1741.99},{"sentences":[{"text":"You know that kind of four out of five on the risk scale, 80% in growth assets, shares, property, gold.","start":1741.99,"end":1748.3251,"sentiment":"neutral","sentiment_score":-0.010849399678409099},{"text":"Does that does that ring a bell?","start":1748.3251,"end":1749.7051,"sentiment":"neutral","sentiment_score":0.01262140114392553},{"text":"So the growth risk profile, which is that kind of 80 in growth assets, 20% in the safer kind of assets.","start":1753.4451,"end":1761.17,"sentiment":"neutral","sentiment_score":-0.005143443388598306},{"text":"Yep.","start":1764.5901,"end":1764.99,"sentiment":"neutral","sentiment_score":0.1973068118095398},{"text":"Eighty twenty.","start":1764.99,"end":1765.81,"sentiment":"neutral","sentiment_score":0.18968041241168976}],"sentiment":"neutral","sentiment_score":0.006667002743365718,"num_words":51,"start":1741.99,"end":1765.81},{"sentences":[{"text":"So the only ways to really get the super accelerated is higher returns or higher risk, reduce fees or put more money in, is essentially the four things.","start":1765.9501,"end":1778.505,"sentiment":"positive","sentiment_score":0.39127280563116074},{"text":"We keep on top of the insurance premiums.","start":1779.765,"end":1781.765,"sentiment":"positive","sentiment_score":0.4183513782918453},{"text":"That's number one.","start":1781.765,"end":1782.885,"sentiment":"positive","sentiment_score":0.4145947992801666},{"text":"You're already gonna maximize your contributions.","start":1782.885,"end":1785.0651,"sentiment":"positive","sentiment_score":0.5727817416191101},{"text":"That's number two.","start":1785.365,"end":1786.505,"sentiment":"neutral","sentiment_score":0.26606173316637677}],"sentiment":"positive","sentiment_score":0.4121064506471157,"num_words":48,"start":1765.9501,"end":1786.505},{"sentences":[{"text":"It sounds to me that if I was to put you into some high growth portfolio and I called you in nine months' time and your super was sitting at 92 thousand dollars, don't think you would be very happy with that with your kids.","start":1786.965,"end":1802.475,"sentiment":"neutral","sentiment_score":-0.09054013449284766},{"text":"No.","start":1804.235,"end":1804.735,"sentiment":"negative","sentiment_score":-0.5093908309936523},{"text":"So what what that basically points to is those underperforming investment options that are in there, mainly the option.","start":1806.475,"end":1814.975,"sentiment":"neutral","sentiment_score":-0.3157832183335957},{"text":"We have to replace those with some better options to get it back up to the double digit returns because it should be doing at least 9% on average.","start":1815.75,"end":1825.05,"sentiment":"neutral","sentiment_score":-0.039320713230248154},{"text":"And the portfolio that we do have where we have replaced that and done some research, they are hitting that twelve, thirteen, 14% that you need.","start":1825.59,"end":1834.005,"sentiment":"neutral","sentiment_score":0.0956161659784042}],"sentiment":"neutral","sentiment_score":-0.07698215333124002,"num_words":120,"start":1786.965,"end":1834.005},{"sentences":[{"text":"Yep.","start":1844.945,"end":1845.24,"sentiment":"neutral","sentiment_score":0.0698573887348175},{"text":"17.5.","start":1867.415,"end":1868.795,"sentiment":"neutral","sentiment_score":0.006331023760139942},{"text":"Yep.","start":1871.175,"end":1871.58,"sentiment":"neutral","sentiment_score":-0.010845670476555824},{"text":"So to keep that nice and straightforward, when I'm looking at your options that are in there, your all of your international options are doing fantastic.","start":1889.005,"end":1897.4249,"sentiment":"positive","sentiment_score":0.49235935279956233},{"text":"S and P 500, you've got global shares.","start":1897.965,"end":1900.0449,"sentiment":"neutral","sentiment_score":0.24786170944571495}],"sentiment":"positive","sentiment_score":0.40133998892899303,"num_words":37,"start":1844.945,"end":1900.0449},{"sentences":[{"text":"That's great.","start":1900.0449,"end":1900.71,"sentiment":"positive","sentiment_score":0.6582284569740295},{"text":"Cybersecurity has kicked back up again with the AI issues.","start":1900.95,"end":1903.85,"sentiment":"neutral","sentiment_score":0.09721249118447303},{"text":"Battery tech and lithium, that's your electric vehicles.","start":1904.7899,"end":1907.27,"sentiment":"neutral","sentiment_score":0.167270683683455},{"text":"That's going great.","start":1907.27,"end":1908.4099,"sentiment":"positive","sentiment_score":0.5855140884717306},{"text":"Gold is going great.","start":1908.87,"end":1910.33,"sentiment":"positive","sentiment_score":0.36653029918670654}],"sentiment":"neutral","sentiment_score":0.25368187990453506,"num_words":27,"start":1900.0449,"end":1910.33},{"sentences":[{"text":"Basically, what we need to do is fine tune three options out of the portfolio and slot in some replacements.","start":1911.83,"end":1918.7749,"sentiment":"neutral","sentiment_score":0.03307455442845821},{"text":"So Benelong is number one.","start":1919.1549,"end":1920.7749,"sentiment":"neutral","sentiment_score":0.06924389004707336},{"text":"The other one is the bank hybrids that are being phased out by the government the next couple of years.","start":1921.235,"end":1926.57,"sentiment":"neutral","sentiment_score":-0.0539997735992074},{"text":"While we can stay in there for a little while, if everybody sells off out of that one, it could actually drop quite quickly even though it's supposed to be a safe asset.","start":1927.5299,"end":1936.0299,"sentiment":"neutral","sentiment_score":-0.19585922247532642},{"text":"So we have to divest out of that one as well.","start":1936.25,"end":1938.5099,"sentiment":"neutral","sentiment_score":-0.16014442931522022}],"sentiment":"neutral","sentiment_score":-0.093227280868908,"num_words":89,"start":1911.83,"end":1938.5099},{"sentences":[{"text":"Yep.","start":1945.605,"end":1946.105,"sentiment":"neutral","sentiment_score":0.052254557609558105},{"text":"Yeah.","start":1956.66,"end":1956.9,"sentiment":"neutral","sentiment_score":0.06634574383497238},{"text":"Absolutely.","start":1956.9,"end":1957.4,"sentiment":"neutral","sentiment_score":0.09272601455450058},{"text":"So if you log in to the Hub 24, your login's different than an adviser login.","start":1957.62,"end":1962.12,"sentiment":"neutral","sentiment_score":0.026959946437273175},{"text":"We normally go off very in-depth reports, but your your dashboard should be able to show you the options that you have towards, you know, just on the front screen dashboard.","start":1962.66,"end":1974.3049,"sentiment":"neutral","sentiment_score":0.078732575920801}],"sentiment":"neutral","sentiment_score":0.06166790625080466,"num_words":50,"start":1945.605,"end":1974.3049},{"sentences":[{"text":"If you go down a little bit, it should show you the options and those little four digit codes.","start":1974.3049,"end":1978.59,"sentiment":"neutral","sentiment_score":0.06311475230674994},{"text":"Yep.","start":1984.51,"end":1985.01,"sentiment":"neutral","sentiment_score":0.06878779083490372},{"text":"Yep.","start":1994.3351,"end":1994.8351,"sentiment":"neutral","sentiment_score":0.07163673639297485},{"text":"Perfect.","start":2007.6951,"end":2008.1951,"sentiment":"positive","sentiment_score":0.4251561760902405},{"text":"With the Australian listed securities, the managed funds, and the cash, does it show you the underlying options, the name of the options in that section?","start":2008.65,"end":2016.75,"sentiment":"neutral","sentiment_score":0.012845421944243403}],"sentiment":"neutral","sentiment_score":0.04372379099368118,"num_words":48,"start":1974.3049,"end":2016.75},{"sentences":[{"text":"Yep.","start":2024.365,"end":2024.865,"sentiment":"neutral","sentiment_score":-0.024594154208898544},{"text":"Gotcha.","start":2032.6849,"end":2033.1849,"sentiment":"neutral","sentiment_score":-0.09955015033483504},{"text":"And if you go up above there where it said Australian list of securities and managed funds, can you expand that at all?","start":2034.5249,"end":2040.27,"sentiment":"neutral","sentiment_score":0.009726708188005116},{"text":"Like, click on it and it opens up?","start":2040.27,"end":2042.05,"sentiment":"neutral","sentiment_score":0.013685687794350088},{"text":"Yep.","start":2053.725,"end":2054.045,"sentiment":"neutral","sentiment_score":0.04614901170134544}],"sentiment":"neutral","sentiment_score":0.007506014642250889,"num_words":34,"start":2024.365,"end":2054.045},{"sentences":[{"text":"And that should have one, two, three, four, five, six, seven, eight options under securities and the one managed fund in Benelon.","start":2054.045,"end":2062.29,"sentiment":"neutral","sentiment_score":0.03686267946084792},{"text":"Yep.","start":2067.6501,"end":2068.05,"sentiment":"neutral","sentiment_score":0.036654938012361526},{"text":"Correct.","start":2068.05,"end":2068.53,"sentiment":"neutral","sentiment_score":0.04152398183941841},{"text":"So what I'm basically looking at in these is ACDC at the top.","start":2068.53,"end":2073.4102,"sentiment":"neutral","sentiment_score":0.023957672887123548},{"text":"That's your electric vehicles.","start":2073.4102,"end":2075.03,"sentiment":"neutral","sentiment_score":0.019617399433627725}],"sentiment":"neutral","sentiment_score":0.03119700520140369,"num_words":41,"start":2054.045,"end":2075.03},{"sentences":[{"text":"BHYB, that's the one that's being phased out as a term deposit type vehicle.","start":2075.655,"end":2081.995,"sentiment":"neutral","sentiment_score":-0.00856400455813855},{"text":"Gold cybersecurity composite bonds, that all looks great.","start":2084.055,"end":2087.415,"sentiment":"neutral","sentiment_score":0.27472831681370735},{"text":"S and P 500, that's the best.","start":2087.415,"end":2089.355,"sentiment":"neutral","sentiment_score":0.19732559153011867},{"text":"The property one, second last one there, VINEC property.","start":2089.92,"end":2093.06,"sentiment":"neutral","sentiment_score":0.042983645780218974},{"text":"A bit strange, but in Australia, obviously, property is one of the the go tos long term for the best returns.","start":2094.3198,"end":2100.26,"sentiment":"neutral","sentiment_score":-0.07579368654461134}],"sentiment":"neutral","sentiment_score":0.03821008484731665,"num_words":59,"start":2075.655,"end":2100.26},{"sentences":[{"text":"But these property funds are actually tracking property companies.","start":2100.8,"end":2104.5798,"sentiment":"neutral","sentiment_score":-0.3299907412793901},{"text":"And since the government came out with the CGT changes and negative gearing, those companies have taken a quite a large hit in their values even though property market still, generally speaking, has been quite high for the last three to five years.","start":2105.725,"end":2120.28,"sentiment":"negative","sentiment_score":-0.48040713958962017},{"text":"So outside of a self managed super fund, which they've just banned, I do have to get you out of that option because the the property companies themselves, there's a lot of insolvencies on at the moment.","start":2122.12,"end":2144.685,"sentiment":"neutral","sentiment_score":-0.28726092514556806},{"text":"It's only 300.","start":2144.685,"end":2145.905,"sentiment":"neutral","sentiment_score":0.05710926093161106},{"text":"Yep.","start":2148.205,"end":2148.42,"sentiment":"neutral","sentiment_score":0.06963685154914856}],"sentiment":"negative","sentiment_score":-0.36575390612806685,"num_words":93,"start":2100.8,"end":2148.42},{"sentences":[{"text":"You invested $1,419.03.","start":2160.8198,"end":2165.7048,"sentiment":"neutral","sentiment_score":0.009221142468353113},{"text":"Yeah.","start":2168.565,"end":2169.065,"sentiment":"neutral","sentiment_score":0.07305486500263214},{"text":"Yeah.","start":2177.605,"end":2178.105,"sentiment":"neutral","sentiment_score":0.07193755358457565},{"text":"What I would like to do is so with the Benelon, yes, I will get a replacement option for that, but I also wanna make sure that it's not too high in Australian equities because that 25% that you saw, 25 is okay.","start":2179.5,"end":2195.1648,"sentiment":"neutral","sentiment_score":0.08028138316301413},{"text":"We might go a little bit lower, but I'll I'll have a little look.","start":2195.1648,"end":2198.045,"sentiment":"neutral","sentiment_score":0.05873137393168041}],"sentiment":"neutral","sentiment_score":0.07172571866202258,"num_words":62,"start":2160.8198,"end":2198.045},{"sentences":[{"text":"But I don't wanna put in $30.40 percent into that because the international side is what's growing a lot stronger.","start":2198.045,"end":2203.825,"sentiment":"neutral","sentiment_score":-0.038219059631228444},{"text":"Now to kind of guide me a little bit, you've kind of already had the conversation previously with Kyle, but just give me a gut feeling on this one.","start":2207.24,"end":2215.02,"sentiment":"neutral","sentiment_score":0.056323212924702416},{"text":"Bennelong is an active fund manager, pay high fees, try and get a high return.","start":2216.28,"end":2221.0,"sentiment":"neutral","sentiment_score":0.028433396915594735},{"text":"They have essentially failed at that mandate, and we don't believe that they will increase again.","start":2221.0,"end":2226.4949,"sentiment":"neutral","sentiment_score":-0.22407773230224848},{"text":"Now the replacement options, Hub twenty four has the most options in the entire country, and there's 1,300 there.","start":2227.115,"end":2235.515,"sentiment":"neutral","sentiment_score":0.1492455213477737}],"sentiment":"neutral","sentiment_score":0.005514284087852998,"num_words":99,"start":2198.045,"end":2235.515},{"sentences":[{"text":"It's the biggest investment menu.","start":2235.515,"end":2238.2402,"sentiment":"neutral","sentiment_score":0.13487536311149598},{"text":"I can replace that with just a nice, beautiful, low fee ETF that tracks the Aussie market.","start":2238.7002,"end":2244.9602,"sentiment":"neutral","sentiment_score":0.2834841293447158},{"text":"That'll reduce those investment fees by about 90%, and it'll be back onto double digit returns for that asset class.","start":2245.1802,"end":2252.295,"sentiment":"neutral","sentiment_score":0.3268709219992161},{"text":"I do have another act active fund manager that I've researched with the investment committee, which we have put Mina Lynn, which is Alfiniti, and it has been outperforming the Aussie market over one, three, five, and ten years.","start":2254.615,"end":2267.9949,"sentiment":"neutral","sentiment_score":0.182122896783627},{"text":"So I can do the same investment option that she has to try and outperform the market, or I can go a little bit lower fee with yours.","start":2268.3,"end":2276.08,"sentiment":"neutral","sentiment_score":0.2915229749466692}],"sentiment":"neutral","sentiment_score":0.2504262543804602,"num_words":109,"start":2235.515,"end":2276.08},{"sentences":[{"text":"10% less than Venmo.","start":2287.595,"end":2289.135,"sentiment":"neutral","sentiment_score":0.08458857610821724},{"text":"3,400.","start":2295.08,"end":2296.54,"sentiment":"neutral","sentiment_score":0.031234046444296837},{"text":"So any sale of that one, we will use to offset any of the other gains to minimize the capital gains tax, and that'll reduce that impact a little bit when we switch it.","start":2296.68,"end":2307.18,"sentiment":"neutral","sentiment_score":0.17434083067757242},{"text":"So correct.","start":2313.935,"end":2314.655,"sentiment":"neutral","sentiment_score":-0.10196562483906746},{"text":"So if there's any of the other ones that are positive that I would like to rebalance or update, I can do that and offset it for free, and that'll save 15 percent.","start":2314.655,"end":2334.0999,"sentiment":"neutral","sentiment_score":0.0014172549726385055}],"sentiment":"neutral","sentiment_score":0.08297317240991302,"num_words":74,"start":2287.595,"end":2334.0999},{"sentences":[{"text":"Yep.","start":2349.615,"end":2350.115,"sentiment":"neutral","sentiment_score":0.100772462785244},{"text":"No.","start":2360.58,"end":2360.9,"sentiment":"neutral","sentiment_score":-0.0192205011844635},{"text":"I believe we hang on.","start":2360.9,"end":2362.1,"sentiment":"neutral","sentiment_score":-0.05641708746552467},{"text":"Let me double check.","start":2362.1,"end":2362.965,"sentiment":"neutral","sentiment_score":-0.01391175715252757},{"text":"Yeah.","start":2362.965,"end":2363.205,"sentiment":"neutral","sentiment_score":0.008123267441987991}],"sentiment":"neutral","sentiment_score":-0.020671436407913763,"num_words":12,"start":2349.615,"end":2363.205},{"sentences":[{"text":"The 1.1% is yearly split into monthly payments, but we have kept the fees off of your account until we can resolve Mino's insurances and provide you with this advice.","start":2363.205,"end":2377.705,"sentiment":"neutral","sentiment_score":-0.002143242179105679},{"text":"So we canceled it a couple of months ago, and I will not get you to sign another one until I have that advice in front of you to read and make sure you're happy with the advice.","start":2378.0852,"end":2390.5,"sentiment":"neutral","sentiment_score":-0.1275126996793245},{"text":"I did see some file notes about things that you had raised, and I'm definitely coming into this conversation.","start":2398.175,"end":2406.3599,"sentiment":"neutral","sentiment_score":0.11719912388607075},{"text":"I wanted to make sure that I could address that with you.","start":2406.3599,"end":2409.66,"sentiment":"neutral","sentiment_score":0.21571978802482286},{"text":"That's okay.","start":2411.72,"end":2412.54,"sentiment":"neutral","sentiment_score":0.28652308881282806}],"sentiment":"neutral","sentiment_score":0.004739476579914589,"num_words":101,"start":2363.205,"end":2412.54},{"sentences":[{"text":"Yeah.","start":2432.865,"end":2433.24,"sentiment":"neutral","sentiment_score":0.09934180974960329},{"text":"Yeah.","start":2444.28,"end":2444.78,"sentiment":"neutral","sentiment_score":0.22221612930297852},{"text":"One thing I think I should do, which will be a little bit of fun for me, is why don't I put you in the low fee option for the time being?","start":2449.8948,"end":2458.555,"sentiment":"positive","sentiment_score":0.349928580224514},{"text":"We'll let it run for twelve months, and then we'll compare how both of you guys have gone over that period.","start":2458.6948,"end":2465.57,"sentiment":"neutral","sentiment_score":0.2251965336146809},{"text":"And if one of you would like to switch to the other style, we can make sure you're both in the same thing.","start":2465.71,"end":2470.27,"sentiment":"neutral","sentiment_score":0.23900082998949548}],"sentiment":"neutral","sentiment_score":0.2787874205372272,"num_words":78,"start":2432.865,"end":2470.27},{"sentences":[{"text":"But that way, you can see how it both plays out over the year.","start":2470.27,"end":2473.485,"sentiment":"neutral","sentiment_score":0.3110490856426103},{"text":"Yep.","start":2499.29,"end":2499.79,"sentiment":"neutral","sentiment_score":0.17156022787094116},{"text":"Absolutely.","start":2501.775,"end":2502.275,"sentiment":"positive","sentiment_score":0.4973682165145874},{"text":"And I think once we've got that fixed up, most of those portfolios where we have looked at those options, they're they're right back up into the twelve, thirteen, 14%, and it'll catch up very quickly over a period of the stock market going up, you will get that accelerated benefit.","start":2502.815,"end":2519.68,"sentiment":"positive","sentiment_score":0.45026977506338384},{"text":"K.","start":2523.42,"end":2523.92,"sentiment":"neutral","sentiment_score":0.1845365464687347}],"sentiment":"positive","sentiment_score":0.4142928046776968,"num_words":68,"start":2470.27,"end":2523.92},{"sentences":[{"text":"Yeah.","start":2527.18,"end":2527.545,"sentiment":"neutral","sentiment_score":0.02998509630560875},{"text":"It's it's one of those things where I don't have a crystal ball to protect predict when the stock market's gonna go up and down, but I do know how these behave over the last three, five, ten, twenty years.","start":2527.625,"end":2540.01,"sentiment":"neutral","sentiment_score":-0.12148168629501015},{"text":"And I can say with with certainty that both of these options will at least do far better than if we with Ben Long for any further or move back to even Australian Super.","start":2540.41,"end":2551.07,"sentiment":"neutral","sentiment_score":0.1084083176272757},{"text":"K.","start":2555.21,"end":2555.535,"sentiment":"neutral","sentiment_score":0.10227012634277344},{"text":"Alright.","start":2557.4548,"end":2557.9548,"sentiment":"neutral","sentiment_score":0.2595081627368927}],"sentiment":"neutral","sentiment_score":-0.010150925546594254,"num_words":77,"start":2527.18,"end":2557.9548},{"sentences":[{"text":"I will fast track this a little bit.","start":2559.295,"end":2561.135,"sentiment":"neutral","sentiment_score":0.16466962732374668},{"text":"Please bear with me for a moment just because I have just come back from leave having a third child.","start":2561.135,"end":2567.395,"sentiment":"neutral","sentiment_score":0.0780064282938838},{"text":"So my calendar is is quite booked up for the next couple of weeks, but I will get you in at the top of the list.","start":2567.535,"end":2574.23,"sentiment":"neutral","sentiment_score":0.21880703849288133},{"text":"We'll thank you.","start":2576.4502,"end":2578.71,"sentiment":"positive","sentiment_score":0.7280697027842203},{"text":"I have two boys and now a girl, and I've been having best time.","start":2578.85,"end":2583.33,"sentiment":"positive","sentiment_score":0.4079689138701984}],"sentiment":"neutral","sentiment_score":0.23186257025095777,"num_words":71,"start":2559.295,"end":2583.33},{"sentences":[{"text":"Like, the boys, they love her.","start":2583.33,"end":2585.465,"sentiment":"positive","sentiment_score":0.5888533294200897},{"text":"One seven, one three.","start":2586.0051,"end":2587.385,"sentiment":"neutral","sentiment_score":0.21477142721414566},{"text":"They always wanna help grab the clothes and the nappies and grab the dummy, and they're probably kissing her a bit too much.","start":2587.445,"end":2593.8652,"sentiment":"neutral","sentiment_score":0.2685806184359219},{"text":"I'm having a good time.","start":2594.3252,"end":2595.5452,"sentiment":"positive","sentiment_score":0.5108775198459625},{"text":"But as soon as I got back, I had you booked in with me, and I looked at my calendar and went, oh, no.","start":2595.6052,"end":2600.8801,"sentiment":"neutral","sentiment_score":0.0246982437868913}],"sentiment":"neutral","sentiment_score":0.22123718321804078,"num_words":62,"start":2583.33,"end":2600.8801},{"sentences":[{"text":"I'm booked out till, like, the September 10.","start":2600.8801,"end":2602.9004,"sentiment":"neutral","sentiment_score":0.007310376735404134},{"text":"Yep.","start":2608.4001,"end":2608.9001,"sentiment":"neutral","sentiment_score":-0.003304150654003024},{"text":"Yep.","start":2633.4849,"end":2633.9849,"sentiment":"neutral","sentiment_score":0.008840660564601421},{"text":"Okay.","start":2644.845,"end":2645.345,"sentiment":"neutral","sentiment_score":0.00930240098387003},{"text":"So let me have a look at time frame.","start":2647.76,"end":2650.02,"sentiment":"neutral","sentiment_score":0.005566174164414406}],"sentiment":"neutral","sentiment_score":0.006170874612871557,"num_words":20,"start":2600.8801,"end":2650.02},{"sentences":[{"text":"So I do early shift on a Monday where I'm available decently early in the morning and then leave to pick up the kids.","start":2650.24,"end":2657.565,"sentiment":"neutral","sentiment_score":0.25122649284700554},{"text":"And then Tuesday, I've got a late night.","start":2657.805,"end":2660.125,"sentiment":"neutral","sentiment_score":0.08885461464524269},{"text":"So would you prefer early or late?","start":2660.125,"end":2662.4648,"sentiment":"neutral","sentiment_score":0.05141297408512661},{"text":"Yeah.","start":2671.2449,"end":2671.4849,"sentiment":"neutral","sentiment_score":0.01137187797576189},{"text":"I'm looking at the seventh and the eighth at the moment.","start":2671.4849,"end":2673.59,"sentiment":"neutral","sentiment_score":0.01002488945695487}],"sentiment":"neutral","sentiment_score":0.14160410247231817,"num_words":51,"start":2650.24,"end":2673.59},{"sentences":[{"text":"Let's have a look.","start":2684.05,"end":2684.865,"sentiment":"neutral","sentiment_score":-0.009546300396323204},{"text":"Yeah.","start":2686.465,"end":2686.965,"sentiment":"neutral","sentiment_score":0.0005204631015658379},{"text":"It'll have to be yeah.","start":2687.505,"end":2689.825,"sentiment":"neutral","sentiment_score":-0.011676421016454696},{"text":"Sorry.","start":2689.825,"end":2690.225,"sentiment":"neutral","sentiment_score":-0.05970603600144386},{"text":"The fourteenth is probably the best day for you because seventeenth, you're off, and I'm closed out that week beforehand mostly.","start":2690.225,"end":2698.485,"sentiment":"neutral","sentiment_score":0.0496351821791558}],"sentiment":"neutral","sentiment_score":0.02770581081858836,"num_words":32,"start":2684.05,"end":2698.485},{"sentences":[{"text":"So fourteenth and fifteenth.","start":2699.0498,"end":2701.3098,"sentiment":"neutral","sentiment_score":0.026595926377922297},{"text":"Are we thinking Monday morning or Tuesday evening?","start":2702.49,"end":2706.75,"sentiment":"neutral","sentiment_score":0.015079566510394216},{"text":"Oh, actually, daylight savings in Victoria, doesn't that start in September?","start":2712.105,"end":2723.94,"sentiment":"neutral","sentiment_score":-0.00003373301164670424},{"text":"October 4.","start":2726.32,"end":2727.28,"sentiment":"neutral","sentiment_score":0.046812959015369415},{"text":"Okay.","start":2727.28,"end":2727.6,"sentiment":"neutral","sentiment_score":0.17590464651584625}],"sentiment":"neutral","sentiment_score":0.019083836115896702,"num_words":26,"start":2699.0498,"end":2727.6},{"sentences":[{"text":"Thank gosh.","start":2727.6,"end":2728.26,"sentiment":"positive","sentiment_score":0.47246408462524414},{"text":"Didn't wanna mistime the appointment there.","start":2728.72,"end":2730.9001,"sentiment":"neutral","sentiment_score":0.06055279572804769},{"text":"So I'm available anytime between 08:30 onwards in the morning on the Monday or anytime after, sorry, one to four on the Tuesday or 6PM on the Tuesday.","start":2731.52,"end":2754.77,"sentiment":"neutral","sentiment_score":0.09970619369830404},{"text":"Yep.","start":2765.955,"end":2766.455,"sentiment":"neutral","sentiment_score":0.15508966147899628},{"text":"Perfect.","start":2770.7551,"end":2771.2551,"sentiment":"positive","sentiment_score":0.4580737054347992}],"sentiment":"neutral","sentiment_score":0.12403109826539692,"num_words":38,"start":2727.6,"end":2771.2551},{"sentences":[{"text":"So what I'll do in between, Kitch, is I'll put together the updated portfolio.","start":2773.07,"end":2778.37,"sentiment":"neutral","sentiment_score":0.2011539169720241},{"text":"I'll put a flag in for a discussion in the New Year about the insurances when we get the anniversary notice.","start":2779.07,"end":2784.765,"sentiment":"neutral","sentiment_score":0.2158883199805305},{"text":"We'll maximize the contributions for the time being, let you build up your savings, let you focus on the property goals.","start":2786.2048,"end":2793.1848,"sentiment":"positive","sentiment_score":0.40083391893477666},{"text":"And in the interim, I'll have a chat with Dana and see what's going on with consolidation, if that's happening or not.","start":2796.125,"end":2804.03,"sentiment":"neutral","sentiment_score":0.06640553491359408},{"text":"And then we'll touch base on the fifteenth on the evening to get the super portfolio updated.","start":2804.25,"end":2809.7898,"sentiment":"neutral","sentiment_score":0.1697895018493428}],"sentiment":"neutral","sentiment_score":0.2117333174143967,"num_words":95,"start":2773.07,"end":2809.7898},{"sentences":[{"text":"How's that sound for you?","start":2810.73,"end":2812.1099,"sentiment":"neutral","sentiment_score":0.18044195771217347},{"text":"Mhmm.","start":2842.9949,"end":2843.4949,"sentiment":"neutral","sentiment_score":0.02832930162549019},{"text":"Yep.","start":2864.3,"end":2864.8,"sentiment":"neutral","sentiment_score":0.15838268399238586},{"text":"Yeah.","start":2914.36,"end":2914.76,"sentiment":"neutral","sentiment_score":0.046878084540367126},{"text":"I think with most clients, we do discuss strategies as a group to make sure we're all across everything that may be beneficial for people.","start":2914.76,"end":2923.4048,"sentiment":"neutral","sentiment_score":0.11192753985524177}],"sentiment":"neutral","sentiment_score":0.11921176833636833,"num_words":33,"start":2810.73,"end":2923.4048},{"sentences":[{"text":"I think it would be a good idea if I look after both yours and Mino's.","start":2923.545,"end":2926.765,"sentiment":"neutral","sentiment_score":0.17809633910655975},{"text":"And that way, we can have those joint retirement discussions, tile that in together, make sure someone understands both situations and the combined situation.","start":2926.9048,"end":2936.72,"sentiment":"neutral","sentiment_score":0.1511878970389565},{"text":"How's that sound?","start":2936.7798,"end":2937.68,"sentiment":"neutral","sentiment_score":0.13093758871157965},{"text":"Cool.","start":2940.0598,"end":2940.5398,"sentiment":"positive","sentiment_score":0.4541361927986145},{"text":"So I'll have a look into that for the time being.","start":2940.5398,"end":2943.1199,"sentiment":"neutral","sentiment_score":0.27815756743604486}],"sentiment":"neutral","sentiment_score":0.188813330097632,"num_words":55,"start":2923.545,"end":2943.1199},{"sentences":[{"text":"When it comes to that appointment on the fifteenth, I will only have enough time to go through the updated portfolio with you, but then we can schedule in a bit of a joint retirement discussion afterwards.","start":2943.18,"end":2953.385,"sentiment":"neutral","sentiment_score":0.25443519249155716},{"text":"Yep.","start":2957.285,"end":2957.685,"sentiment":"positive","sentiment_score":0.3420359492301941},{"text":"Cool.","start":2957.685,"end":2958.185,"sentiment":"positive","sentiment_score":0.7062581777572632},{"text":"So I'll make sure that anything that comes through for me now comes through to me, and we'll have individual conversations if we need to if they're small enough.","start":2958.325,"end":2968.14,"sentiment":"neutral","sentiment_score":0.30256746144130314},{"text":"If we need to do any joint planning for larger goals, we'll have those as joint discussions.","start":2968.28,"end":2972.78,"sentiment":"neutral","sentiment_score":0.1696524076602038}],"sentiment":"neutral","sentiment_score":0.26024639483760387,"num_words":85,"start":2943.18,"end":2972.78},{"sentences":[{"text":"Perfect.","start":2975.48,"end":2975.98,"sentiment":"positive","sentiment_score":0.8454407453536987},{"text":"Alrighty.","start":2977.0552,"end":2977.5352,"sentiment":"positive","sentiment_score":0.34509891271591187},{"text":"Is there anything else I can do for you in in the interim between now and that appointment?","start":2977.5352,"end":2982.2751,"sentiment":"neutral","sentiment_score":0.14205406026707756},{"text":"Yeah.","start":2986.735,"end":2987.235,"sentiment":"neutral","sentiment_score":0.02157372236251831},{"text":"We've just jumped up 6% recently.","start":2997.55,"end":2999.97,"sentiment":"neutral","sentiment_score":0.15789047504464784}],"sentiment":"neutral","sentiment_score":0.17468256724101525,"num_words":27,"start":2975.48,"end":2999.97},{"sentences":[{"text":"Let me have a look.","start":3000.43,"end":3001.49,"sentiment":"neutral","sentiment_score":0.04899778217077255},{"text":"So let me have a quick look.","start":3015.2751,"end":3016.715,"sentiment":"neutral","sentiment_score":0.037624449868287356},{"text":"We've got $135,000 up to $1.63.5 at the moment.","start":3016.715,"end":3021.87,"sentiment":"neutral","sentiment_score":0.03878934019141727},{"text":"And if I look at a bit of a report here, we've got twelve month report, income, capital growth.","start":3022.6501,"end":3033.345,"sentiment":"neutral","sentiment_score":0.02822794157423471},{"text":"Okay.","start":3035.185,"end":3035.505,"sentiment":"neutral","sentiment_score":0.03693946823477745}],"sentiment":"neutral","sentiment_score":0.034895962921947965,"num_words":41,"start":3000.43,"end":3035.505},{"sentences":[{"text":"So 10,600 worth of net growth, 20,000 worth of net income after fees and premiums, which is your your contributions after tax.","start":3035.505,"end":3050.64,"sentiment":"neutral","sentiment_score":0.042487701401114464},{"text":"So tax came out, premiums came out, contributions have netted to around 20, and there's about 10,000 worth of growth.","start":3051.0198,"end":3058.395,"sentiment":"neutral","sentiment_score":0.0324580354616046},{"text":"From $1.30 to $1.60, dollar value, 10,600.","start":3065.915,"end":3072.44,"sentiment":"neutral","sentiment_score":0.016545631656689302},{"text":"That Benelon option is what's brought it down for that year.","start":3078.66,"end":3082.18,"sentiment":"neutral","sentiment_score":-0.07795713198455897},{"text":"I've got S and P 500 up 9,000.","start":3082.18,"end":3085.16,"sentiment":"neutral","sentiment_score":0.016720078710932285}],"sentiment":"neutral","sentiment_score":0.014352084404569776,"num_words":68,"start":3035.505,"end":3085.16},{"sentences":[{"text":"Gold up 5.","start":3086.02,"end":3087.24,"sentiment":"neutral","sentiment_score":0.01667684844384591},{"text":"Battery tech up three.","start":3087.855,"end":3089.235,"sentiment":"neutral","sentiment_score":0.01598830334842205},{"text":"Realistically, we should yeah.","start":3090.655,"end":3095.635,"sentiment":"neutral","sentiment_score":-0.08085438702255487},{"text":"So I was just gonna say that the aim should be about 15 to 30 is what we're kind of aiming for if we get that 10 to 15% that we're looking for.","start":3096.015,"end":3105.43,"sentiment":"neutral","sentiment_score":0.018505939931580513},{"text":"Sorry.","start":3105.8098,"end":3106.0498,"sentiment":"neutral","sentiment_score":-0.09933188557624816}],"sentiment":"neutral","sentiment_score":0.006709563173353672,"num_words":45,"start":3086.02,"end":3106.0498},{"sentences":[{"text":"What were you saying?","start":3106.0498,"end":3106.8699,"sentiment":"neutral","sentiment_score":-0.09666160307824612},{"text":"Yep.","start":3114.45,"end":3114.95,"sentiment":"neutral","sentiment_score":0.0012046720366925},{"text":"Oh, no.","start":3119.275,"end":3119.755,"sentiment":"neutral","sentiment_score":-0.06051518768072128},{"text":"Sorry.","start":3119.755,"end":3120.155,"sentiment":"neutral","sentiment_score":-0.04060061648488045},{"text":"$20,000 is the the net contributions after tax insurance premiums and fees.","start":3120.155,"end":3127.935,"sentiment":"neutral","sentiment_score":-0.00622948631644249}],"sentiment":"neutral","sentiment_score":-0.031091328395996244,"num_words":20,"start":3106.0498,"end":3127.935},{"sentences":[{"text":"Yep.","start":3130.635,"end":3131.035,"sentiment":"neutral","sentiment_score":0.048696912825107574},{"text":"So, yeah, 30,000 go in.","start":3131.035,"end":3133.3801,"sentiment":"neutral","sentiment_score":0.04691980704665184},{"text":"You had the 4,000 of premiums come out, 15 percent super tax, then the hub and the oak view fees, 20 thousand kind of net contributed, and then 10,600 worth of net growth after investment fees.","start":3133.68,"end":3147.205,"sentiment":"neutral","sentiment_score":0.07104944799923235},{"text":"Alright.","start":3157.425,"end":3157.925,"sentiment":"neutral","sentiment_score":0.07811590284109116},{"text":"Five year is.","start":3158.465,"end":3159.48,"sentiment":"neutral","sentiment_score":0.035625824704766273}],"sentiment":"neutral","sentiment_score":0.06578411854317655,"num_words":46,"start":3130.635,"end":3159.48},{"sentences":[{"text":"Twelve months is is 6%, so a little bit below.","start":3159.8,"end":3162.54,"sentiment":"neutral","sentiment_score":0.03785051815211773},{"text":"But once we get that Benelon switched out, it'll go back up.","start":3162.76,"end":3166.22,"sentiment":"neutral","sentiment_score":0.04192564977953831},{"text":"Easy Easy done.","start":3173.88,"end":3175.085,"sentiment":"positive","sentiment_score":0.4959166447321574},{"text":"Awesome.","start":3178.7449,"end":3179.2249,"sentiment":"positive","sentiment_score":0.6558862924575806},{"text":"And, Kij, I do wanna say thank you for, one, being frank with me about your concerns.","start":3179.2249,"end":3184.525,"sentiment":"neutral","sentiment_score":0.3213047139784869}],"sentiment":"neutral","sentiment_score":0.19738207774799923,"num_words":43,"start":3159.8,"end":3184.525},{"sentences":[{"text":"Two, thank you for actually having a a discussion with me without just yelling at all the staff and being rude.","start":3185.145,"end":3191.3398,"sentiment":"neutral","sentiment_score":0.11943741355623518},{"text":"I appreciate you being candid and polite.","start":3191.3398,"end":3194.16,"sentiment":"positive","sentiment_score":0.380899897643498},{"text":"You know, we do get people who get grumpy about their employer putting the wrong thing in the wrong spot and yell at our staff for that, so I wanna thank you for that.","start":3195.02,"end":3205.395,"sentiment":"neutral","sentiment_score":-0.14516601338982582},{"text":"Yeah.","start":3222.27,"end":3222.77,"sentiment":"neutral","sentiment_score":-0.16366732120513916},{"text":"Yeah.","start":3234.435,"end":3234.935,"sentiment":"neutral","sentiment_score":-0.13388189673423767}],"sentiment":"neutral","sentiment_score":-0.0009173235157504678,"num_words":64,"start":3185.145,"end":3234.935},{"sentences":[{"text":"Realistically, it should be like a couple of weeks kind of thing.","start":3236.1152,"end":3238.675,"sentiment":"neutral","sentiment_score":-0.1478868449727694},{"text":"And, you know, at most, if there's any issues, like a month.","start":3238.675,"end":3241.155,"sentiment":"neutral","sentiment_score":-0.05736500909551978},{"text":"But, yeah, I'm yeah.","start":3241.155,"end":3248.5798,"sentiment":"neutral","sentiment_score":-0.12124290503561497},{"text":"That's that's a very uncomfortable experience.","start":3249.92,"end":3252.74,"sentiment":"negative","sentiment_score":-0.5882041851679484},{"text":"So, look, I'll do my best for you guys.","start":3252.7998,"end":3255.285,"sentiment":"neutral","sentiment_score":0.22838528909617}],"sentiment":"neutral","sentiment_score":-0.10283142739776956,"num_words":43,"start":3236.1152,"end":3255.285},{"sentences":[{"text":"And if you have to put your foot down, you do.","start":3255.525,"end":3257.9448,"sentiment":"neutral","sentiment_score":0.22894044084982437},{"text":"And in the interim, I'll just keep doing what I'm doing.","start":3258.005,"end":3260.905,"sentiment":"neutral","sentiment_score":0.17108278450640765},{"text":"Yeah.","start":3276.98,"end":3277.48,"sentiment":"positive","sentiment_score":0.3358088433742523},{"text":"I look forward to it, mate.","start":3278.58,"end":3280.04,"sentiment":"positive","sentiment_score":0.5986688931783041},{"text":"That's alright, Kij.","start":3283.935,"end":3284.895,"sentiment":"positive","sentiment_score":0.48279064893722534}],"sentiment":"neutral","sentiment_score":0.30551405088044703,"num_words":32,"start":3255.525,"end":3284.895},{"sentences":[{"text":"Thank you again, and I'll talk to you in a couple of weeks.","start":3284.895,"end":3287.395,"sentiment":"positive","sentiment_score":0.5371780280883496},{"text":"See you later.","start":3290.5752,"end":3291.215,"sentiment":"positive","sentiment_score":0.5768962701161703},{"text":"Bye.","start":3291.215,"end":3291.715,"sentiment":"neutral","sentiment_score":0.3013368248939514}],"sentiment":"positive","sentiment_score":0.5303141176700592,"num_words":17,"start":3284.895,"end":3291.715}]}}]},{"alternatives":[{"transcript":"Hello? I'm doing good, Tommy. Thanks for the call. How are you? Oh, it was a perfect spring day, twenty two in Melbourne. Honey. Yep. Yep. Yeah. Yeah. Sure. Yes. You said date of birth. Right? Yep. Yep. So 07/16/1979, and the residential address is 12 Catania Muse, Caban Springs, Victoria 3023. Mhmm. Yes. Yep. The couple of things, frankly, as far as the service is concerned, I understand that Kyle is not working with you guys anymore, and he was there as an intern for his provisional ear is what I understand. Something that I wasn't happy about that financial is setting up clients with interns or provisional year students. I wasn't very happy to know that I was advised only after Kyle had left when I got a call for this meeting setup. Alright? So that is something that I'd not appreciate that my money, my hard earned money was, you know, nothing wrong with Kyle. Don't get me wrong. He was an excellent handler, if I can say that, call that. You know? But things were taken way too lightly also because I have if you probably also notice, sometime around last year is when I asked my wife also to join as a client for you guys, and that process is still happening, if I'm not wrong. There was an issue with the insurance. I don't think the rollover has completely happened. I don't think it takes that long to bring business to Oakview Financial, mate. I'm introducing my partner to you guys so that we both take advantage of what our benefits on the, you know, fees and everything. But her she's also on hub twenty four, but she's not completely rolled over from wherever she was to hub twenty four still. And if I'm not wrong, she still has got $20,000 or something sitting in her old, you know, super. So all in all, there has been a lot of slack. I've complained to Kyle. Through Kyle, I've taken it ahead to some senior adviser. I don't know who it was at that point of time. Then there's this girl die they they what is it? What is it? Dana. Yeah. She's handling my wife's case. We found out she was working part time, then we are told that, you know, we don't know who told you which she was part time. She's full time, so I'm getting mixed mixed communication. It's all over the place, mate. You're a senior adviser. This is the first time you when you identified yourself, you've given your license number also, if I'm if I'm not wrong, when you introduced yourself. So yeah. So this is the first time I'm getting some kind of, you know, how do I put it, professional information? It's the first time someone has asked me, we want to hear from you how are our service level. You know, I'm not saying I'm not going to say SLAs, but how are we what kind of service are we really providing you? Are you happy with it or not? And I've been probably ranting about for the last two minutes, three minutes. That should tell you what I really am looking at. I'm really considering moving my business from OP Financial to another because of this all of this. It's not a bit frustrating for me. Yes. It's not a bit frustrating. It's really frustrating. I do not know where my wife's super fits at. Is it making money? Because the rollover hasn't happened yet. So I do not know if it's making money with $0.5.24 with a partial part of it sitting with you guys. I know whether she whether her retirement fund or whatever she had, that 20,000 is definitely making money for her. I do not know if HUB24 is making money for her. So as a household, I am I'm frustrated to the fact that I'm still not sure why does it take so long. She had some issues with her insurance. I understand, you know, you guys went your team went to some insurance providers, and they did not take that insurance on board for my partner. I understand that there was that time gap there, but it's been recently resolved probably a couple of months back. If not more than that, probably July or something of that sort. So you see, ultimately, I'm your client only because you're making money for me. You see? It's it's the truth for everyone. Right? If you put yourself in my shoes and you're get you're receiving a service from someone, you're in you're with them only because you're receiving an set outcome with them. Right? Exactly. In in my individual case as well, I've received some communications from Kyle about there's some changes. You have some partner sign ups with BlackRock or something or Vanguard. I don't remember BlackRock, I think so. And yeah. Yeah. So those recommendations are in place, but not recommendations. Those questions are are still up in a limbo because I do not know I do not understand what's the advice. What do I have to take as an action? My account still remains as there's there's multi account or something. There's some terminology that was coined, given to me by Kyle. So those questions are also not answered. So I'm frankly, in fact, I also found out that your business model has changed and you moved from an annual to a quarterly review with your clients. I have asked that and the quarterly reviews are not happening as quarterly as possible or or, you know, as it as much as they should be. Alright. I'll stop here now. Yep. Mhmm. Correct. Correct. Mhmm. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yeah. Sure. He was good at what he did, mate. Don't get me wrong. Carl was good at what he did. I just was surprised that I found out that he was probably an intern or a provisional year, you know, candidate there. So I'm I was really surprised that those those how do I say? Junior level advisers are exposed to customers, if I may say it correctly. Sorry. Mhmm. Sure. Sure. I would appreciate that. Yep. Yep. Correct. Yep. Yep. Make sense at all. Completely. Yep. Say that again? Mhmm. Mhmm. Mhmm. Right. And is that after 50? Okay. Sorry. Is that for the individual, though, or individual. Okay. Mhmm. If 1,500 is per individual and mortgage is paid, I'm well, you you tell me if it is enough. Let's say I'm going to live till 80. Yes. Yes. But it won't get sold this year, but, yes, it will get sold soon. Once it is sold, focus the money that I save now, it's it's a lot of money that we're paying because of the interest rates. So everything that paid is going to go towards retirement. Yes. Yes. Precisely. Yes. Yes. Correct. The savings, I do not remember what number you have. That's quite old, mate. Yep. So that 70 is gone now. So, yeah, you can just mark it as zero. We don't have any savings anymore. Yeah. No. Yeah. That was what we wanted, but life closed closed the curve ball every now and then. Yep. Yeah. If it's required, yeah. But we don't, yeah, don't intend to go beyond 60 currently. Yes. That's good. Yes. That's correct. Yes. It is $1.53 now. Mhmm. Mhmm. The latest numbers just bear with me. For the owner occupier now, it is $6.92. Do you want it to the do you want to know it till the exact same? Then yeah. If I round it off, it is $6.92 or $6.93, somewhere between those two offers. For the investment property, 677. Right. Just give me one sec. Yeah. Okay. Sorry. I'm back. Tell me. Yep. For the main residency, I got it valued for my loan last November. But since then, the prices the market's fallen down. The bank will do to price the value at 9 when the property at $9.50. Yeah. Yeah. You can probably mark it you can mark the owner occupier at around 900, frankly. I was looking at the market right now. Yeah. The market's so bad. There's no nobody available for $9.50 for the property. Yep. No. That was also an estimate. Oh, that was a bank estimate, though. I did put it up for sale this year, and, yeah, I think the property is valued for 800. We couldn't sell it beyond that. We wouldn't get any offers beyond that, so I'll stick to 800. Yep. Yep. Exactly. Exactly. Yes. Yes. And exactly with this thought, we had put it up for sale. In fact, I'm paying out of my pocket for the, you know, staging and everything, and not a single offer within the range of what we expect. See, the aim is if I sell the property, I at least should have at least 100,000 in my hand so that by taking away all the other expenses. I'm sure it's not going to attract any CGT for me, but commission costs and all of those costs for the agency, it should at least give me 100. So that's what I'm looking for. But, yep, no no luck. No walk ins. And thanks to the government, you know, setting up those rules for investors, it's driven everyone out. Exactly. Exactly. And that is what's actually hurting us. That is the exact thing we started this January to get I put it on market for five months and no progress, and we hardly had any walk ins. Yeah. Yep. And Yeah. Exactly. But it is it is, it is up for sale. There's no doubt about it. I've tried to put it give it to an agency that does off market sales also. So it is I'm already in the period of that exclusive authority as we speak. So if it gets sold, it gets sold. It's up in the market right now straight away. Yeah. Yeah. Mhmm. Yeah. Yeah. I think so. I think what we were at earlier was 1.7 or 1.8 or something of that sort. That was I was trying to cover off the debts for the two properties. So that's what I was look you know, that's the psyche behind it. So with the increasing cost of living and the rates and everything, I just thought, you know what? I think I'm just under the 1.5 now, so I'll cover myself with the 1.5. Yep. So that's the cost down just to see if it makes money on the super. Yeah. Mhmm. Exactly. And that's what has been happening on my account. I've been keeping an eye on it, income versus expenditure and profit or whatever you may call it. It's not really a great performance if you ask me. I don't know what else to do. Do you are you recommending that the insurance should still go down to keep the cost down? Mhmm. Mhmm. Sure. Sure. Perfect. I'm happy. Yeah. Yeah. Yeah. Perfect. Yeah. I'm happy to take a review of it immediately when those rates come along and yep. I'm more than happy. Mhmm. Yep. It does. Yeah. Mhmm. Mhmm. Mhmm. Okay. Okay. Yep. Yep. Cool. Mhmm. Yep. Sure. We could do that. Yep. Yep. That makes sense. Yep. Yeah. Yeah. Sure. Yeah. We've got time. And, yes, they do return the MoneyPro databases. Yep. Say that again? Mhmm. Yes. Eighty twenty. Correct. Yeah. Yeah. Yeah. Mhmm. No. Nobody wants that, man. Yep. Sure. I've been asking Kyle to look at the Benelon and get those thing, you know, divest it even if it's a loss or something so that you recover it from another investment that is performing well. But it's I think I believe that Benelon is still is part of my holdings in the super and probably shows, what, 17,000, 18,000 right now? 17.5. Exactly. So, yep, if it's not performing, yes, finally someone's talking about it. So, yes, I'm happy if there's a recommendation and you do know for sure that whatever is not performing, we divest and move. Yeah. Let's let's have a look at it. Yeah. Mhmm. Yep. Sure. Sure. Can you can you if I log in to the Hub 24, can you guide me through what screen you're looking at and what is an equivalent screen that I can look at so that what you say is I can kind of follow what you're saying. Yep. Mhmm. Yep. So it shows me investment. See, I'm on the dashboard portfolio dashboard screen right now. After that graph account balance graph, it shows me investments, also listed securities, managed funds, and cash, and then it has super or superannuation contributions tracker, adviser contact, then asset allocation by asset class, three pie charts, basically. Yep. No. It does not. So on the pie chart for buy asset class, I can see Australian equity is 24.4%, but it's just a colored, you know, part of the pie chart with the percentage. It does not show me which Austen equities or which global equities. Yeah. Yep. So just mhmm. Oh, yeah. Yeah. Yeah. Let me I can go in horizontal mode. Oh, yep. In the horizontal mode, it shows me the quantity price, price date, and market value. Okay. Yep. Eight and one Benelong and then cash. Yep. Correct. Yep. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Sure. Okay. So that's $6.03 $39. I do not see how much I've invested, as in how much is the loss on that. That's good. Okay. So MVA, when when I property is is something that will divest. And BHYB, how much is that valued at? It's $141.52, but how much have I invested? Oh, just $40 here and there. Yeah. Okay. Cool. So those are the two that you recommend to be die divested and then use that 20,000 to invest in something else? Mhmm. Mhmm. Mhmm. Mhmm. Okay. Yeah. Mhmm. Yep. Okay. Okay. And with the few with the free style on the one that you're recommending with Meehl, how the fees are the same as Benelung or less? Okay. How much have I lost in Benelung right now? How much of a loss does it show in Benelung? Okay. Yeah. Yep. We could not have any capital gains tax, right, because this is a capital loss that we're booking, isn't it? Oh, yeah. Yeah. Sure. Yep. Then, yep. See, mate, I'll leave it for your better judgment to guide me through this. If you think you have to go to one of the ETFs or you think the one that you know investment, one of those things for me know is the same that you should do for mine. I trust your judgment on it. Yeah, because the way I see it is I'm paying month on month 1.1%. Yeah. Yearly. Sorry. Yearly. Yeah. Yeah. Mhmm. Okay. Alright. So you guys are aware of service issues? Alright. Yep. Yep. I appreciate that. Alright. So, yeah. So, Tommy, I leave it with with your expert understanding and knowledge and decision making with this. If you're if you're seeing both of them are doing double digits, I'll leave it for you to decide which one to go to. Frankly, that's that's the reason why I'm with you guys. You know? I was with AustralianSuper. It was doing, what, eight percent before I came to you guys. And I didn't know what they were doing, but they're still giving me 8%. So you see so I'm with you guys for your advice, frankly. Mhmm. Mhmm. Sure. Yeah. Probably, that's a good way to look at it. Also, probably, you might want to think of recovering the money, the 3,000 and the other few $100 a year, say, $4,000 that has been lost with Benelon and the other two, how do we make it, you know, get it back kind of thing. So probably that could be also another focus, yeah, for your decision. Yep. Yeah. Yeah. Sure. Hopefully, that can happen like that. Oh, yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Sure. Cool. Yep. Yep. Sure. Congratulations. Oh, wow. Cool. Cool. Cool. That's fine. That's fine. Anytime after the tenth. But do remember, I am traveling overseas. So September 17 will be my last day in Melbourne, and I'm coming back on the second or the October 3. That's a Sunday. So I would if if we have to have a call between the tenth and seventeenth, I would prefer to have it earlier to the closer to the Monday than the later part of the week. Seventeen is when I travel, so I won't be available on the seventeenth, the day I travel. So yeah. So somewhere between Monday, Tuesday, could be yeah. If that's Sorry. Just give me one sec. The ten goes. Right? Oh, seven. Yeah. I was wondering which the tenth is on a Thursday. Sorry. So are you but you said you're not available till the tenth. Right? Which means the fourteenth? Yep. Monday or Monday morning. What what time do you think you reckon it's you're available, if I may ask? Nope. They'll start in October. Yeah. Yeah. Yeah. Yeah. Mhmm. Tuesday, 6PM. I think that Tuesday, 6PM works better because I will have no classes to drive around for. And I I reckon email will also be available by that time. 6PM. Yeah. Yeah. I mean yeah. Yep. Yeah. Mhmm. Yep. Yep. Yep. That that does work. That does help. With Dana, I'm not sure. Is is she a is she just like an intern or something like Kyle was? Or is she a full time adviser with you guys? I'm not sure. But one of the expectations or an aim or a hope was if I get across onboarded with you guys as well, then both our supers are with one with one person, and we get one solid advice across the two supers is how I had kind of thought about it that it'll work that way. I I don't mean anything bad for Dana or anything in when I say this, but I was hoping if if you're going to be looking after my super account, then I would prefer that you look after her, Mino's, as well. I do not know if having a different set of eyes will help or not. It's it's it's all wishful thinking, isn't it? But my aim and Mino's aim, they converge at a point. And if that point is known by one person, then it helps a lot is what I believe. I do not know how you guys see this within the business, but is that possible is the question. Sure. Mhmm. Yes. Yes. I prefer that. Yes, sir. Yeah. Sure. That will make a lot of sense. Yep. We can do that. Agreed. Sounds like a plan. Just a question. How is the HubSpot repur account fairing? As in, how much have I put in? What is the current value? And what is the percentage gain? What is the movement? Mhmm. So let's say for the last financial year, what are what is the dollar value of my contributions versus what is the market value after all expenses? And how much is it performing? Mhmm. Mhmm. Yes. And over what dollar value? Mhmm. What's the denominator there? Sorry. I'm I'm yes. Sorry. Go on. Yeah. No. What I meant is you've given me two figures, 10,600 and 20,000 something. But is that $20,000 in fees for the year? Oh, okay. And yeah. Okay. Mhmm. Mhmm. Yeah. Okay. Okay. Cool. Cool. So are we hitting the target 10 to 15% growth year on year? Are we or are we not? Okay. Alright. Alright. Cool. I look forward to that call then on the fifteenth. Let's see how everybody have in plan, and we move along. Yep. Yeah, man. Yelling does not help anyone. Being rude neither does help anyone. So, yeah, I'm laughing about it ultimately, but there is going to be a point in time where I'll probably put my foot down and say, you know what? I've done I've been laughing about it for quite some time, and no one's probably taking me seriously. But yeah. It's just what it is. I I believe it can take if I were running a business and getting a customer onboard takes eighteen months, I'm not running the right business in the right way, mate. I mean, maybe. A month, couple of months because of unknown factors like insurance companies. Yeah. I understand. But eighteen months. Yeah. Yeah. I appreciate. Oh, no worries, mate. I I appreciate that, and that's what I'm hoping for. Now that I'm speaking to a senior adviser, I'm sure that I I'm I mean, we can work together to to reach whatever goals or achieve whatever goals we can together. Yeah. Cool. Cool. Oh, me too, mate. Thank you very much. Yes, mate. Cheers. Thank you very much. Thanks for the call. Hey, mate. 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I'm doing good, Tommy. Thanks for the call. How are you? Oh, it was a perfect spring day, twenty two in Melbourne.\n\nHoney. Yep. Yep. Yeah. Yeah.\n\nSure. Yes. You said date of birth. Right? Yep.\n\nYep. So 07/16/1979, and the residential address is 12 Catania Muse, Caban Springs, Victoria 3023. Mhmm. Yes. Yep.\n\nThe couple of things, frankly, as far as the service is concerned, I understand that Kyle is not working with you guys anymore, and he was there as an intern for his provisional ear is what I understand. Something that I wasn't happy about that financial is setting up clients with interns or provisional year students. I wasn't very happy to know that I was advised only after Kyle had left when I got a call for this meeting setup. Alright? So that is something that I'd not appreciate that my money, my hard earned money was, you know, nothing wrong with Kyle.\n\nDon't get me wrong. He was an excellent handler, if I can say that, call that. You know? But things were taken way too lightly also because I have if you probably also notice, sometime around last year is when I asked my wife also to join as a client for you guys, and that process is still happening, if I'm not wrong. There was an issue with the insurance.\n\nI don't think the rollover has completely happened. I don't think it takes that long to bring business to Oakview Financial, mate. I'm introducing my partner to you guys so that we both take advantage of what our benefits on the, you know, fees and everything. But her she's also on hub twenty four, but she's not completely rolled over from wherever she was to hub twenty four still. And if I'm not wrong, she still has got $20,000 or something sitting in her old, you know, super.\n\nSo all in all, there has been a lot of slack. I've complained to Kyle. Through Kyle, I've taken it ahead to some senior adviser. I don't know who it was at that point of time. Then there's this girl die they they what is it?\n\nWhat is it? Dana. Yeah. She's handling my wife's case. We found out she was working part time, then we are told that, you know, we don't know who told you which she was part time.\n\nShe's full time, so I'm getting mixed mixed communication. It's all over the place, mate. You're a senior adviser. This is the first time you when you identified yourself, you've given your license number also, if I'm if I'm not wrong, when you introduced yourself. So yeah.\n\nSo this is the first time I'm getting some kind of, you know, how do I put it, professional information? It's the first time someone has asked me, we want to hear from you how are our service level. You know, I'm not saying I'm not going to say SLAs, but how are we what kind of service are we really providing you? Are you happy with it or not? And I've been probably ranting about for the last two minutes, three minutes.\n\nThat should tell you what I really am looking at. I'm really considering moving my business from OP Financial to another because of this all of this. It's not a bit frustrating for me. Yes. It's not a bit frustrating.\n\nIt's really frustrating. I do not know where my wife's super fits at. Is it making money? Because the rollover hasn't happened yet. So I do not know if it's making money with $0.5.24 with a partial part of it sitting with you guys.\n\nI know whether she whether her retirement fund or whatever she had, that 20,000 is definitely making money for her. I do not know if HUB24 is making money for her. So as a household, I am I'm frustrated to the fact that I'm still not sure why does it take so long. She had some issues with her insurance. I understand, you know, you guys went your team went to some insurance providers, and they did not take that insurance on board for my partner.\n\nI understand that there was that time gap there, but it's been recently resolved probably a couple of months back. If not more than that, probably July or something of that sort. So you see, ultimately, I'm your client only because you're making money for me. You see? It's it's the truth for everyone.\n\nRight? If you put yourself in my shoes and you're get you're receiving a service from someone, you're in you're with them only because you're receiving an set outcome with them. Right? Exactly. In in my individual case as well, I've received some communications from Kyle about there's some changes.\n\nYou have some partner sign ups with BlackRock or something or Vanguard. I don't remember BlackRock, I think so. And yeah. Yeah. So those recommendations are in place, but not recommendations.\n\nThose questions are are still up in a limbo because I do not know I do not understand what's the advice. What do I have to take as an action? My account still remains as there's there's multi account or something. There's some terminology that was coined, given to me by Kyle. So those questions are also not answered.\n\nSo I'm frankly, in fact, I also found out that your business model has changed and you moved from an annual to a quarterly review with your clients. I have asked that and the quarterly reviews are not happening as quarterly as possible or or, you know, as it as much as they should be. Alright. I'll stop here now. Yep.\n\nMhmm. Correct. Correct. Mhmm. Mhmm.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nYeah. Sure. He was good at what he did, mate. Don't get me wrong. Carl was good at what he did.\n\nI just was surprised that I found out that he was probably an intern or a provisional year, you know, candidate there. So I'm I was really surprised that those those how do I say? Junior level advisers are exposed to customers, if I may say it correctly. Sorry. Mhmm.\n\nSure. Sure. I would appreciate that. Yep. Yep.\n\nCorrect. Yep. Yep. Make sense at all. Completely.\n\nYep. Say that again? Mhmm. Mhmm. Mhmm.\n\nRight. And is that after 50? Okay. Sorry. Is that for the individual, though, or individual.\n\nOkay. Mhmm. If 1,500 is per individual and mortgage is paid, I'm well, you you tell me if it is enough. Let's say I'm going to live till 80. Yes.\n\nYes. But it won't get sold this year, but, yes, it will get sold soon. Once it is sold, focus the money that I save now, it's it's a lot of money that we're paying because of the interest rates. So everything that paid is going to go towards retirement. Yes.\n\nYes. Precisely. Yes. Yes. Correct.\n\nThe savings, I do not remember what number you have. That's quite old, mate. Yep. So that 70 is gone now. So, yeah, you can just mark it as zero.\n\nWe don't have any savings anymore. Yeah. No. Yeah. That was what we wanted, but life closed closed the curve ball every now and then.\n\nYep. Yeah. If it's required, yeah. But we don't, yeah, don't intend to go beyond 60 currently. Yes.\n\nThat's good. Yes. That's correct. Yes. It is $1.53 now.\n\nMhmm. Mhmm. The latest numbers just bear with me. For the owner occupier now, it is $6.92. Do you want it to the do you want to know it till the exact same?\n\nThen yeah. If I round it off, it is $6.92 or $6.93, somewhere between those two offers. For the investment property, 677. Right. Just give me one sec.\n\nYeah. Okay. Sorry. I'm back. Tell me.\n\nYep. For the main residency, I got it valued for my loan last November. But since then, the prices the market's fallen down. The bank will do to price the value at 9 when the property at $9.50. Yeah.\n\nYeah. You can probably mark it you can mark the owner occupier at around 900, frankly. I was looking at the market right now. Yeah. The market's so bad.\n\nThere's no nobody available for $9.50 for the property. Yep. No. That was also an estimate. Oh, that was a bank estimate, though.\n\nI did put it up for sale this year, and, yeah, I think the property is valued for 800. We couldn't sell it beyond that. We wouldn't get any offers beyond that, so I'll stick to 800. Yep. Yep.\n\nExactly. Exactly. Yes. Yes. And exactly with this thought, we had put it up for sale.\n\nIn fact, I'm paying out of my pocket for the, you know, staging and everything, and not a single offer within the range of what we expect. See, the aim is if I sell the property, I at least should have at least 100,000 in my hand so that by taking away all the other expenses. I'm sure it's not going to attract any CGT for me, but commission costs and all of those costs for the agency, it should at least give me 100. So that's what I'm looking for. But, yep, no no luck.\n\nNo walk ins. And thanks to the government, you know, setting up those rules for investors, it's driven everyone out. Exactly. Exactly. And that is what's actually hurting us.\n\nThat is the exact thing we started this January to get I put it on market for five months and no progress, and we hardly had any walk ins. Yeah. Yep. And Yeah. Exactly.\n\nBut it is it is, it is up for sale. There's no doubt about it. I've tried to put it give it to an agency that does off market sales also. So it is I'm already in the period of that exclusive authority as we speak. So if it gets sold, it gets sold.\n\nIt's up in the market right now straight away. Yeah. Yeah. Mhmm. Yeah.\n\nYeah. I think so. I think what we were at earlier was 1.7 or 1.8 or something of that sort. That was I was trying to cover off the debts for the two properties. So that's what I was look you know, that's the psyche behind it.\n\nSo with the increasing cost of living and the rates and everything, I just thought, you know what? I think I'm just under the 1.5 now, so I'll cover myself with the 1.5. Yep. So that's the cost down just to see if it makes money on the super. Yeah.\n\nMhmm. Exactly. And that's what has been happening on my account. I've been keeping an eye on it, income versus expenditure and profit or whatever you may call it. It's not really a great performance if you ask me.\n\nI don't know what else to do. Do you are you recommending that the insurance should still go down to keep the cost down? Mhmm. Mhmm. Sure.\n\nSure. Perfect. I'm happy. Yeah. Yeah.\n\nYeah. Perfect. Yeah. I'm happy to take a review of it immediately when those rates come along and yep. I'm more than happy.\n\nMhmm. Yep. It does. Yeah. Mhmm.\n\nMhmm. Mhmm. Okay. Okay. Yep.\n\nYep. Cool. Mhmm. Yep. Sure.\n\nWe could do that. Yep. Yep. That makes sense. Yep.\n\nYeah. Yeah. Sure. Yeah. We've got time.\n\nAnd, yes, they do return the MoneyPro databases. Yep. Say that again? Mhmm. Yes.\n\nEighty twenty. Correct. Yeah. Yeah. Yeah.\n\nMhmm. No. Nobody wants that, man. Yep. Sure.\n\nI've been asking Kyle to look at the Benelon and get those thing, you know, divest it even if it's a loss or something so that you recover it from another investment that is performing well. But it's I think I believe that Benelon is still is part of my holdings in the super and probably shows, what, 17,000, 18,000 right now? 17.5. Exactly. So, yep, if it's not performing, yes, finally someone's talking about it.\n\nSo, yes, I'm happy if there's a recommendation and you do know for sure that whatever is not performing, we divest and move. Yeah. Let's let's have a look at it. Yeah. Mhmm.\n\nYep. Sure. Sure. Can you can you if I log in to the Hub 24, can you guide me through what screen you're looking at and what is an equivalent screen that I can look at so that what you say is I can kind of follow what you're saying. Yep.\n\nMhmm. Yep. So it shows me investment. See, I'm on the dashboard portfolio dashboard screen right now. After that graph account balance graph, it shows me investments, also listed securities, managed funds, and cash, and then it has super or superannuation contributions tracker, adviser contact, then asset allocation by asset class, three pie charts, basically.\n\nYep. No. It does not. So on the pie chart for buy asset class, I can see Australian equity is 24.4%, but it's just a colored, you know, part of the pie chart with the percentage. It does not show me which Austen equities or which global equities.\n\nYeah. Yep. So just mhmm. Oh, yeah. Yeah.\n\nYeah. Let me I can go in horizontal mode. Oh, yep. In the horizontal mode, it shows me the quantity price, price date, and market value. Okay.\n\nYep. Eight and one Benelong and then cash. Yep. Correct. Yep.\n\nMhmm. Mhmm. Yep. Mhmm. Mhmm.\n\nYep. Yep. Sure. Okay. So that's $6.03 $39.\n\nI do not see how much I've invested, as in how much is the loss on that. That's good. Okay. So MVA, when when I property is is something that will divest. And BHYB, how much is that valued at?\n\nIt's $141.52, but how much have I invested? Oh, just $40 here and there. Yeah. Okay. Cool.\n\nSo those are the two that you recommend to be die divested and then use that 20,000 to invest in something else? Mhmm. Mhmm. Mhmm. Mhmm.\n\nOkay. Yeah. Mhmm. Yep. Okay.\n\nOkay. And with the few with the free style on the one that you're recommending with Meehl, how the fees are the same as Benelung or less? Okay. How much have I lost in Benelung right now? How much of a loss does it show in Benelung?\n\nOkay. Yeah. Yep. We could not have any capital gains tax, right, because this is a capital loss that we're booking, isn't it? Oh, yeah.\n\nYeah. Sure. Yep. Then, yep. See, mate, I'll leave it for your better judgment to guide me through this.\n\nIf you think you have to go to one of the ETFs or you think the one that you know investment, one of those things for me know is the same that you should do for mine. I trust your judgment on it. Yeah, because the way I see it is I'm paying month on month 1.1%. Yeah. Yearly.\n\nSorry. Yearly. Yeah. Yeah. Mhmm.\n\nOkay. Alright. So you guys are aware of service issues? Alright. Yep.\n\nYep. I appreciate that. Alright. So, yeah. So, Tommy, I leave it with with your expert understanding and knowledge and decision making with this.\n\nIf you're if you're seeing both of them are doing double digits, I'll leave it for you to decide which one to go to. Frankly, that's that's the reason why I'm with you guys. You know? I was with AustralianSuper. It was doing, what, eight percent before I came to you guys.\n\nAnd I didn't know what they were doing, but they're still giving me 8%. So you see so I'm with you guys for your advice, frankly. Mhmm. Mhmm. Sure.\n\nYeah. Probably, that's a good way to look at it. Also, probably, you might want to think of recovering the money, the 3,000 and the other few $100 a year, say, $4,000 that has been lost with Benelon and the other two, how do we make it, you know, get it back kind of thing. So probably that could be also another focus, yeah, for your decision. Yep.\n\nYeah. Yeah. Sure. Hopefully, that can happen like that. Oh, yeah.\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nSure. Cool. Yep. Yep. Sure.\n\nCongratulations. Oh, wow. Cool. Cool. Cool.\n\nThat's fine. That's fine. Anytime after the tenth. But do remember, I am traveling overseas. So September 17 will be my last day in Melbourne, and I'm coming back on the second or the October 3.\n\nThat's a Sunday. So I would if if we have to have a call between the tenth and seventeenth, I would prefer to have it earlier to the closer to the Monday than the later part of the week. Seventeen is when I travel, so I won't be available on the seventeenth, the day I travel. So yeah. So somewhere between Monday, Tuesday, could be yeah.\n\nIf that's Sorry. Just give me one sec. The ten goes. Right? Oh, seven.\n\nYeah. I was wondering which the tenth is on a Thursday. Sorry. So are you but you said you're not available till the tenth. Right?\n\nWhich means the fourteenth? Yep. Monday or Monday morning. What what time do you think you reckon it's you're available, if I may ask? Nope.\n\nThey'll start in October. Yeah. Yeah. Yeah. Yeah.\n\nMhmm. Tuesday, 6PM. I think that Tuesday, 6PM works better because I will have no classes to drive around for. And I I reckon email will also be available by that time. 6PM.\n\nYeah. Yeah. I mean yeah. Yep. Yeah.\n\nMhmm. Yep. Yep. Yep. That that does work.\n\nThat does help. With Dana, I'm not sure. Is is she a is she just like an intern or something like Kyle was? Or is she a full time adviser with you guys? I'm not sure.\n\nBut one of the expectations or an aim or a hope was if I get across onboarded with you guys as well, then both our supers are with one with one person, and we get one solid advice across the two supers is how I had kind of thought about it that it'll work that way. I I don't mean anything bad for Dana or anything in when I say this, but I was hoping if if you're going to be looking after my super account, then I would prefer that you look after her, Mino's, as well. I do not know if having a different set of eyes will help or not. It's it's it's all wishful thinking, isn't it? But my aim and Mino's aim, they converge at a point.\n\nAnd if that point is known by one person, then it helps a lot is what I believe. I do not know how you guys see this within the business, but is that possible is the question. Sure. Mhmm. Yes.\n\nYes. I prefer that. Yes, sir. Yeah. Sure.\n\nThat will make a lot of sense. Yep. We can do that. Agreed. Sounds like a plan.\n\nJust a question. How is the HubSpot repur account fairing? As in, how much have I put in? What is the current value? And what is the percentage gain?\n\nWhat is the movement? Mhmm. So let's say for the last financial year, what are what is the dollar value of my contributions versus what is the market value after all expenses? And how much is it performing? Mhmm.\n\nMhmm. Yes. And over what dollar value? Mhmm. What's the denominator there?\n\nSorry. I'm I'm yes. Sorry. Go on. Yeah.\n\nNo. What I meant is you've given me two figures, 10,600 and 20,000 something. But is that $20,000 in fees for the year? Oh, okay. And yeah.\n\nOkay. Mhmm. Mhmm. Yeah. Okay.\n\nOkay. Cool. Cool. So are we hitting the target 10 to 15% growth year on year? Are we or are we not?\n\nOkay. Alright. Alright. Cool. I look forward to that call then on the fifteenth.\n\nLet's see how everybody have in plan, and we move along. Yep. Yeah, man. Yelling does not help anyone. Being rude neither does help anyone.\n\nSo, yeah, I'm laughing about it ultimately, but there is going to be a point in time where I'll probably put my foot down and say, you know what? I've done I've been laughing about it for quite some time, and no one's probably taking me seriously. But yeah. It's just what it is. I I believe it can take if I were running a business and getting a customer onboard takes eighteen months, I'm not running the right business in the right way, mate.\n\nI mean, maybe. A month, couple of months because of unknown factors like insurance companies. Yeah. I understand. But eighteen months.\n\nYeah. Yeah. I appreciate. Oh, no worries, mate. I I appreciate that, and that's what I'm hoping for.\n\nNow that I'm speaking to a senior adviser, I'm sure that I I'm I mean, we can work together to to reach whatever goals or achieve whatever goals we can together. Yeah. Cool. Cool. Oh, me too, mate.\n\nThank you very much. Yes, mate. Cheers. Thank you very much. Thanks for the call.\n\nHey, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.03091162815690041},{"text":"I'm doing good, Tommy.","start":8.48,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5377371981739998},{"text":"Thanks for the call.","start":9.5199995,"end":10.24,"sentiment":"positive","sentiment_score":0.6688951104879379},{"text":"How are you?","start":10.24,"end":11.059999,"sentiment":"neutral","sentiment_score":0.2931618889172872},{"text":"Oh, it was a perfect spring day, twenty two in Melbourne.","start":16.205,"end":19.025,"sentiment":"positive","sentiment_score":0.3505157652226361}],"sentiment":"positive","sentiment_score":0.41706956291328307,"num_words":23,"start":1.76,"end":19.025},{"sentences":[{"text":"Honey.","start":19.485,"end":19.985,"sentiment":"neutral","sentiment_score":0.26714909076690674},{"text":"Yep.","start":22.045,"end":22.545,"sentiment":"positive","sentiment_score":0.399013876914978},{"text":"Yep.","start":29.16,"end":29.66,"sentiment":"neutral","sentiment_score":0.05822477862238884},{"text":"Yeah.","start":30.119999,"end":30.619999,"sentiment":"neutral","sentiment_score":0.04110385477542877},{"text":"Yeah.","start":34.28,"end":34.6,"sentiment":"neutral","sentiment_score":0.05358130857348442}],"sentiment":"neutral","sentiment_score":0.16381458193063736,"num_words":5,"start":19.485,"end":34.6},{"sentences":[{"text":"Sure.","start":34.6,"end":35.1,"sentiment":"neutral","sentiment_score":0.0900803655385971},{"text":"Yes.","start":47.135,"end":47.635,"sentiment":"neutral","sentiment_score":0.020463991910219193},{"text":"You said date of birth.","start":51.135,"end":52.415,"sentiment":"neutral","sentiment_score":0.004984636697918177},{"text":"Right?","start":52.415,"end":52.915,"sentiment":"neutral","sentiment_score":0.009224790148437023},{"text":"Yep.","start":55.535,"end":56.015,"sentiment":"neutral","sentiment_score":0.01940121501684189}],"sentiment":"neutral","sentiment_score":0.0182326162337429,"num_words":9,"start":34.6,"end":56.015},{"sentences":[{"text":"Yep.","start":56.015,"end":56.415,"sentiment":"neutral","sentiment_score":0.01443030685186386},{"text":"So 07/16/1979, and the residential address is 12 Catania Muse, Caban Springs, Victoria 3023.","start":56.415,"end":65.05,"sentiment":"neutral","sentiment_score":0.017904302837061032},{"text":"Mhmm.","start":76.695,"end":77.195,"sentiment":"neutral","sentiment_score":0.023218125104904175},{"text":"Yes.","start":97.35,"end":97.85,"sentiment":"neutral","sentiment_score":0.07216700166463852},{"text":"Yep.","start":123.25,"end":123.75,"sentiment":"neutral","sentiment_score":0.10183952748775482}],"sentiment":"neutral","sentiment_score":0.025684177823778655,"num_words":18,"start":56.015,"end":123.75},{"sentences":[{"text":"The couple of things, frankly, as far as the service is concerned, I understand that Kyle is not working with you guys anymore, and he was there as an intern for his provisional ear is what I understand.","start":138.675,"end":155.37001,"sentiment":"neutral","sentiment_score":-0.1683269373484348},{"text":"Something that I wasn't happy about that financial is setting up clients with interns or provisional year students.","start":157.19,"end":169.25499,"sentiment":"negative","sentiment_score":-0.47967692381805843},{"text":"I wasn't very happy to know that I was advised only after Kyle had left when I got a call for this meeting setup.","start":170.275,"end":180.33,"sentiment":"negative","sentiment_score":-0.3634223888317744},{"text":"Alright?","start":180.55,"end":181.05,"sentiment":"neutral","sentiment_score":-0.09556269645690918},{"text":"So that is something that I'd not appreciate that my money, my hard earned money was, you know, nothing wrong with Kyle.","start":181.51001,"end":194.27501,"sentiment":"negative","sentiment_score":-0.580001791769808}],"sentiment":"negative","sentiment_score":-0.355420851410882,"num_words":103,"start":138.675,"end":194.27501},{"sentences":[{"text":"Don't get me wrong.","start":194.57501,"end":195.63501,"sentiment":"neutral","sentiment_score":-0.1328535657376051},{"text":"He was an excellent handler, if I can say that, call that.","start":195.77501,"end":199.935,"sentiment":"neutral","sentiment_score":0.196677311634024},{"text":"You know?","start":199.935,"end":200.595,"sentiment":"neutral","sentiment_score":-0.0161457397043705},{"text":"But things were taken way too lightly also because I have if you probably also notice, sometime around last year is when I asked my wife also to join as a client for you guys, and that process is still happening, if I'm not wrong.","start":204.45,"end":226.315,"sentiment":"neutral","sentiment_score":-0.17954970598220826},{"text":"There was an issue with the insurance.","start":227.735,"end":229.435,"sentiment":"negative","sentiment_score":-0.39806367669786724}],"sentiment":"neutral","sentiment_score":-0.12956800726907594,"num_words":70,"start":194.57501,"end":229.435},{"sentences":[{"text":"I don't think the rollover has completely happened.","start":230.28,"end":232.86,"sentiment":"negative","sentiment_score":-0.4453890100121498},{"text":"I don't think it takes that long to bring business to Oakview Financial, mate.","start":233.48,"end":238.2,"sentiment":"neutral","sentiment_score":-0.2968620540840285},{"text":"I'm introducing my partner to you guys so that we both take advantage of what our benefits on the, you know, fees and everything.","start":238.2,"end":246.63501,"sentiment":"neutral","sentiment_score":0.051021484245817796},{"text":"But her she's also on hub twenty four, but she's not completely rolled over from wherever she was to hub twenty four still.","start":247.41501,"end":259.02,"sentiment":"neutral","sentiment_score":-0.2027261966596479},{"text":"And if I'm not wrong, she still has got $20,000 or something sitting in her old, you know, super.","start":259.34,"end":268.62,"sentiment":"negative","sentiment_score":-0.4112680381850192}],"sentiment":"neutral","sentiment_score":-0.2155847780006959,"num_words":88,"start":230.28,"end":268.62},{"sentences":[{"text":"So all in all, there has been a lot of slack.","start":268.62,"end":273.645,"sentiment":"negative","sentiment_score":-0.5290488519451835},{"text":"I've complained to Kyle.","start":274.505,"end":276.585,"sentiment":"neutral","sentiment_score":-0.2856907621026039},{"text":"Through Kyle, I've taken it ahead to some senior adviser.","start":276.585,"end":279.065,"sentiment":"neutral","sentiment_score":-0.2666207507252693},{"text":"I don't know who it was at that point of time.","start":279.065,"end":281.88498,"sentiment":"neutral","sentiment_score":-0.3182851590893485},{"text":"Then there's this girl die they they what is it?","start":282.745,"end":285.495,"sentiment":"neutral","sentiment_score":-0.30615715086460116}],"sentiment":"negative","sentiment_score":-0.3519829605584559,"num_words":46,"start":268.62,"end":285.495},{"sentences":[{"text":"What is it?","start":287.99,"end":288.89,"sentiment":"neutral","sentiment_score":-0.06268083676695824},{"text":"Dana.","start":288.95,"end":289.45,"sentiment":"neutral","sentiment_score":-0.0299601536244154},{"text":"Yeah.","start":289.51,"end":289.99,"sentiment":"neutral","sentiment_score":-0.028258588165044785},{"text":"She's handling my wife's case.","start":289.99,"end":292.17,"sentiment":"neutral","sentiment_score":-0.14982216954231262},{"text":"We found out she was working part time, then we are told that, you know, we don't know who told you which she was part time.","start":292.31,"end":297.59,"sentiment":"neutral","sentiment_score":-0.10131611460103439}],"sentiment":"neutral","sentiment_score":-0.10082197442857756,"num_words":36,"start":287.99,"end":297.59},{"sentences":[{"text":"She's full time, so I'm getting mixed mixed communication.","start":297.59,"end":300.26498,"sentiment":"neutral","sentiment_score":-0.20672779281934103},{"text":"It's all over the place, mate.","start":301.60498,"end":303.145,"sentiment":"neutral","sentiment_score":-0.06990393763408065},{"text":"You're a senior adviser.","start":303.685,"end":304.985,"sentiment":"neutral","sentiment_score":0.03068590024486184},{"text":"This is the first time you when you identified yourself, you've given your license number also, if I'm if I'm not wrong, when you introduced yourself.","start":305.04498,"end":312.585,"sentiment":"neutral","sentiment_score":0.0451972944697795},{"text":"So yeah.","start":317.01,"end":317.83002,"sentiment":"neutral","sentiment_score":0.12137944251298904}],"sentiment":"neutral","sentiment_score":-0.015730672743805546,"num_words":47,"start":297.59,"end":317.83002},{"sentences":[{"text":"So this is the first time I'm getting some kind of, you know, how do I put it, professional information?","start":318.05,"end":327.115,"sentiment":"neutral","sentiment_score":0.11942620947957039},{"text":"It's the first time someone has asked me, we want to hear from you how are our service level.","start":328.775,"end":336.395,"sentiment":"neutral","sentiment_score":0.1061838484908405},{"text":"You know, I'm not saying I'm not going to say SLAs, but how are we what kind of service are we really providing you?","start":337.495,"end":346.47,"sentiment":"neutral","sentiment_score":0.0606526400661096},{"text":"Are you happy with it or not?","start":346.47,"end":347.91,"sentiment":"neutral","sentiment_score":0.0988788583448955},{"text":"And I've been probably ranting about for the last two minutes, three minutes.","start":347.91,"end":353.05,"sentiment":"neutral","sentiment_score":-0.12107411098594849}],"sentiment":"neutral","sentiment_score":0.05999842455543308,"num_words":83,"start":318.05,"end":353.05},{"sentences":[{"text":"That should tell you what I really am looking at.","start":353.19,"end":356.82498,"sentiment":"neutral","sentiment_score":-0.06930772811174393},{"text":"I'm really considering moving my business from OP Financial to another because of this all of this.","start":356.82498,"end":369.38,"sentiment":"neutral","sentiment_score":-0.08891285868252025},{"text":"It's not a bit frustrating for me.","start":375.52,"end":378.02,"sentiment":"neutral","sentiment_score":-0.25895700071539196},{"text":"Yes.","start":379.75998,"end":380.08,"sentiment":"neutral","sentiment_score":-0.057530637830495834},{"text":"It's not a bit frustrating.","start":380.08,"end":381.36,"sentiment":"neutral","sentiment_score":-0.2711398869752884}],"sentiment":"neutral","sentiment_score":-0.13576312391087414,"num_words":40,"start":353.19,"end":381.36},{"sentences":[{"text":"It's really frustrating.","start":381.36,"end":382.5,"sentiment":"negative","sentiment_score":-0.5461371342341105},{"text":"I do not know where my wife's super fits at.","start":383.555,"end":386.35498,"sentiment":"negative","sentiment_score":-0.4914655089378357},{"text":"Is it making money?","start":386.35498,"end":387.475,"sentiment":"neutral","sentiment_score":-0.3003956452012062},{"text":"Because the rollover hasn't happened yet.","start":387.475,"end":389.655,"sentiment":"negative","sentiment_score":-0.4380638500054677},{"text":"So I do not know if it's making money with $0.5.24 with a partial part of it sitting with you guys.","start":389.79498,"end":395.415,"sentiment":"negative","sentiment_score":-0.4004255107470921}],"sentiment":"negative","sentiment_score":-0.42709017951380124,"num_words":44,"start":381.36,"end":395.415},{"sentences":[{"text":"I know whether she whether her retirement fund or whatever she had, that 20,000 is definitely making money for her.","start":395.65,"end":402.69,"sentiment":"neutral","sentiment_score":-0.19183108136057853},{"text":"I do not know if HUB24 is making money for her.","start":402.69,"end":405.34998,"sentiment":"negative","sentiment_score":-0.5091032223267988},{"text":"So as a household, I am I'm frustrated to the fact that I'm still not sure why does it take so long.","start":405.56998,"end":419.95502,"sentiment":"negative","sentiment_score":-0.6643719348040494},{"text":"She had some issues with her insurance.","start":419.95502,"end":421.73502,"sentiment":"negative","sentiment_score":-0.452591883284705},{"text":"I understand, you know, you guys went your team went to some insurance providers, and they did not take that insurance on board for my partner.","start":421.795,"end":434.55002,"sentiment":"neutral","sentiment_score":-0.2041424481341472}],"sentiment":"negative","sentiment_score":-0.37824170317414196,"num_words":86,"start":395.65,"end":434.55002},{"sentences":[{"text":"I understand that there was that time gap there, but it's been recently resolved probably a couple of months back.","start":434.55002,"end":443.715,"sentiment":"neutral","sentiment_score":-0.14914107620716094},{"text":"If not more than that, probably July or something of that sort.","start":444.17502,"end":448.595,"sentiment":"neutral","sentiment_score":-0.08224869550516208},{"text":"So you see, ultimately, I'm your client only because you're making money for me.","start":448.655,"end":454.92,"sentiment":"neutral","sentiment_score":0.3253531051533563},{"text":"You see?","start":455.40002,"end":457.54004,"sentiment":"positive","sentiment_score":0.3351067453622818},{"text":"It's it's the truth for everyone.","start":458.68002,"end":459.88,"sentiment":"positive","sentiment_score":0.5677683552106222}],"sentiment":"neutral","sentiment_score":0.08633261525796519,"num_words":54,"start":434.55002,"end":459.88},{"sentences":[{"text":"Right?","start":459.88,"end":460.04,"sentiment":"positive","sentiment_score":0.45635876059532166},{"text":"If you put yourself in my shoes and you're get you're receiving a service from someone, you're in you're with them only because you're receiving an set outcome with them.","start":460.04,"end":468.36002,"sentiment":"positive","sentiment_score":0.5411132027705511},{"text":"Right?","start":468.36002,"end":468.825,"sentiment":"positive","sentiment_score":0.368046909570694},{"text":"Exactly.","start":479.385,"end":479.885,"sentiment":"neutral","sentiment_score":0.25211426615715027},{"text":"In in my individual case as well, I've received some communications from Kyle about there's some changes.","start":481.225,"end":489.44,"sentiment":"neutral","sentiment_score":0.011002974365563953}],"sentiment":"positive","sentiment_score":0.34993933167308566,"num_words":50,"start":459.88,"end":489.44},{"sentences":[{"text":"You have some partner sign ups with BlackRock or something or Vanguard.","start":489.58002,"end":494.06,"sentiment":"neutral","sentiment_score":-0.0005659423283456514},{"text":"I don't remember BlackRock, I think so.","start":494.06,"end":496.24,"sentiment":"neutral","sentiment_score":-0.07245738059282303},{"text":"And yeah.","start":496.62,"end":498.0,"sentiment":"neutral","sentiment_score":-0.01658888440579176},{"text":"Yeah.","start":498.3,"end":498.78,"sentiment":"neutral","sentiment_score":-0.05074135959148407},{"text":"So those recommendations are in place, but not recommendations.","start":498.78,"end":503.365,"sentiment":"neutral","sentiment_score":-0.13293223083019257}],"sentiment":"neutral","sentiment_score":-0.05788071541821644,"num_words":31,"start":489.58002,"end":503.365},{"sentences":[{"text":"Those questions are are still up in a limbo because I do not know I do not understand what's the advice.","start":503.585,"end":509.205,"sentiment":"negative","sentiment_score":-0.46184042096138},{"text":"What do I have to take as an action?","start":510.065,"end":512.165,"sentiment":"neutral","sentiment_score":-0.2500624656677246},{"text":"My account still remains as there's there's multi account or something.","start":512.385,"end":517.43,"sentiment":"neutral","sentiment_score":-0.2577991648153825},{"text":"There's some terminology that was coined, given to me by Kyle.","start":517.43,"end":522.01,"sentiment":"neutral","sentiment_score":-0.12878811359405518},{"text":"So those questions are also not answered.","start":522.63,"end":524.63,"sentiment":"negative","sentiment_score":-0.4503119332449777}],"sentiment":"neutral","sentiment_score":-0.3280314343460536,"num_words":59,"start":503.585,"end":524.63},{"sentences":[{"text":"So I'm frankly, in fact, I also found out that your business model has changed and you moved from an annual to a quarterly review with your clients.","start":524.63,"end":536.675,"sentiment":"neutral","sentiment_score":-0.12054101976432971},{"text":"I have asked that and the quarterly reviews are not happening as quarterly as possible or or, you know, as it as much as they should 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now.","start":551.18,"end":552.48,"sentiment":"neutral","sentiment_score":-0.05622753221541643},{"text":"Yep.","start":565.935,"end":566.435,"sentiment":"positive","sentiment_score":0.5622549057006836}],"sentiment":"neutral","sentiment_score":-0.222523747164695,"num_words":61,"start":524.63,"end":566.435},{"sentences":[{"text":"Mhmm.","start":567.375,"end":567.875,"sentiment":"neutral","sentiment_score":0.10392136871814728},{"text":"Correct.","start":577.62006,"end":578.12006,"sentiment":"neutral","sentiment_score":0.23338428139686584},{"text":"Correct.","start":578.9,"end":579.4,"sentiment":"positive","sentiment_score":0.3345668613910675},{"text":"Mhmm.","start":581.78,"end":582.28,"sentiment":"positive","sentiment_score":0.3499792516231537},{"text":"Mhmm.","start":585.54004,"end":586.04004,"sentiment":"neutral","sentiment_score":0.30441009998321533}],"sentiment":"neutral","sentiment_score":0.2652523726224899,"num_words":5,"start":567.375,"end":586.04004},{"sentences":[{"text":"Yep.","start":593.935,"end":594.435,"sentiment":"neutral","sentiment_score":0.27071413397789},{"text":"Yep.","start":614.51,"end":615.01,"sentiment":"neutral","sentiment_score":0.2968906760215759},{"text":"Yep.","start":618.375,"end":618.875,"sentiment":"neutral","sentiment_score":0.11838962137699129},{"text":"Mhmm.","start":640.32,"end":640.82,"sentiment":"neutral","sentiment_score":0.10616591572761536},{"text":"Mhmm.","start":653.195,"end":653.695,"sentiment":"neutral","sentiment_score":0.04255281388759613}],"sentiment":"neutral","sentiment_score":0.16694263219833375,"num_words":5,"start":593.935,"end":653.695},{"sentences":[{"text":"Yeah.","start":653.995,"end":654.235,"sentiment":"neutral","sentiment_score":0.060092631727457047},{"text":"Sure.","start":654.235,"end":654.635,"sentiment":"neutral","sentiment_score":0.0665329322218895},{"text":"He was good at what he did, mate.","start":654.635,"end":656.315,"sentiment":"neutral","sentiment_score":0.1027791416272521},{"text":"Don't get me wrong.","start":656.315,"end":657.375,"sentiment":"neutral","sentiment_score":0.008363718865439296},{"text":"Carl was good at what he did.","start":657.515,"end":659.135,"sentiment":"neutral","sentiment_score":0.15092214409794127}],"sentiment":"neutral","sentiment_score":0.0970842181483195,"num_words":21,"start":653.995,"end":659.135},{"sentences":[{"text":"I just was surprised that I found out that he was probably an intern or a provisional year, you know, candidate there.","start":659.24,"end":667.63995,"sentiment":"neutral","sentiment_score":-0.22855533523993057},{"text":"So I'm I was really surprised that those those how do I say?","start":667.63995,"end":673.81995,"sentiment":"neutral","sentiment_score":-0.3310999572277069},{"text":"Junior level advisers are exposed to customers, if I may say it correctly.","start":674.72504,"end":681.305,"sentiment":"neutral","sentiment_score":-0.12463052800068489},{"text":"Sorry.","start":681.765,"end":682.265,"sentiment":"neutral","sentiment_score":-0.08724671602249146},{"text":"Mhmm.","start":698.99,"end":699.49,"sentiment":"neutral","sentiment_score":0.056113243103027344}],"sentiment":"neutral","sentiment_score":-0.2196769431233406,"num_words":50,"start":659.24,"end":699.49},{"sentences":[{"text":"Sure.","start":717.35504,"end":717.72,"sentiment":"neutral","sentiment_score":0.28810620307922363},{"text":"Sure.","start":718.27997,"end":718.77997,"sentiment":"positive","sentiment_score":0.37455809116363525},{"text":"I would appreciate that.","start":744.35004,"end":745.55005,"sentiment":"positive","sentiment_score":0.49736208468675613},{"text":"Yep.","start":745.55005,"end":746.05005,"sentiment":"positive","sentiment_score":0.4925549626350403},{"text":"Yep.","start":764.825,"end":765.325,"sentiment":"neutral","sentiment_score":0.17305485904216766}],"sentiment":"positive","sentiment_score":0.4147153068333864,"num_words":8,"start":717.35504,"end":765.325},{"sentences":[{"text":"Correct.","start":766.265,"end":766.765,"sentiment":"neutral","sentiment_score":0.1691708862781525},{"text":"Yep.","start":773.76,"end":774.26,"sentiment":"neutral","sentiment_score":0.030779287219047543},{"text":"Yep.","start":788.445,"end":788.765,"sentiment":"neutral","sentiment_score":0.12822911143302915},{"text":"Make sense at all.","start":788.765,"end":789.565,"sentiment":"neutral","sentiment_score":0.21270118653774261},{"text":"Completely.","start":789.565,"end":790.065,"sentiment":"neutral","sentiment_score":0.28157973289489746}],"sentiment":"neutral","sentiment_score":0.18257047049701214,"num_words":8,"start":766.265,"end":790.065},{"sentences":[{"text":"Yep.","start":790.125,"end":790.625,"sentiment":"neutral","sentiment_score":0.1699419468641281},{"text":"Say that again?","start":814.505,"end":815.40497,"sentiment":"neutral","sentiment_score":0.0711837038397789},{"text":"Mhmm.","start":820.02496,"end":820.52496,"sentiment":"neutral","sentiment_score":0.06860154867172241},{"text":"Mhmm.","start":820.985,"end":821.485,"sentiment":"neutral","sentiment_score":0.22239887714385984},{"text":"Mhmm.","start":829.72,"end":830.22,"sentiment":"neutral","sentiment_score":0.045890092849731445}],"sentiment":"neutral","sentiment_score":0.10291193957839694,"num_words":7,"start":790.125,"end":830.22},{"sentences":[{"text":"Right.","start":830.52,"end":831.02,"sentiment":"neutral","sentiment_score":0.04080045223236084},{"text":"And is that after 50?","start":831.24,"end":832.86,"sentiment":"neutral","sentiment_score":0.022074158117175103},{"text":"Okay.","start":834.92,"end":835.42,"sentiment":"neutral","sentiment_score":0.04331536591053009},{"text":"Sorry.","start":837.4,"end":837.8,"sentiment":"neutral","sentiment_score":-0.05482989549636841},{"text":"Is that for the individual, though, or individual.","start":837.8,"end":841.755,"sentiment":"neutral","sentiment_score":-0.031658004969358444}],"sentiment":"neutral","sentiment_score":-0.007100457907654345,"num_words":16,"start":830.52,"end":841.755},{"sentences":[{"text":"Okay.","start":841.89496,"end":842.39496,"sentiment":"neutral","sentiment_score":0.04105298966169357},{"text":"Mhmm.","start":849.57495,"end":850.07495,"sentiment":"neutral","sentiment_score":0.03416147083044052},{"text":"If 1,500 is per individual and mortgage is paid, I'm well, you you tell me if it is enough.","start":858.06,"end":868.8,"sentiment":"neutral","sentiment_score":0.057102616876363754},{"text":"Let's say I'm going to live till 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retirement.","start":914.48004,"end":923.78,"sentiment":"neutral","sentiment_score":0.16246877312660218},{"text":"Yes.","start":924.48004,"end":924.98004,"sentiment":"neutral","sentiment_score":0.17917609214782715}],"sentiment":"neutral","sentiment_score":0.08084256749819307,"num_words":51,"start":891.05,"end":924.98004},{"sentences":[{"text":"Yes.","start":925.12,"end":925.60004,"sentiment":"neutral","sentiment_score":0.23748603463172913},{"text":"Precisely.","start":925.60004,"end":926.10004,"sentiment":"positive","sentiment_score":0.45319807529449463},{"text":"Yes.","start":946.76,"end":947.16,"sentiment":"neutral","sentiment_score":0.15596547722816467},{"text":"Yes.","start":947.16,"end":947.56,"sentiment":"neutral","sentiment_score":0.16732701659202576},{"text":"Correct.","start":947.56,"end":948.06,"sentiment":"neutral","sentiment_score":0.27441054582595825}],"sentiment":"neutral","sentiment_score":0.2576774299144745,"num_words":5,"start":925.12,"end":948.06},{"sentences":[{"text":"The savings, I do not remember what number you have.","start":964.055,"end":967.515,"sentiment":"neutral","sentiment_score":-0.10907088592648506},{"text":"That's quite old, mate.","start":971.3,"end":972.42,"sentiment":"neutral","sentiment_score":-0.2914537042379379},{"text":"Yep.","start":972.42,"end":972.92,"sentiment":"neutral","sentiment_score":-0.04127168655395508},{"text":"So that 70 is gone now.","start":972.98,"end":977.72,"sentiment":"neutral","sentiment_score":-0.12987744684020677},{"text":"So, yeah, you can just mark it as zero.","start":979.62,"end":982.98,"sentiment":"neutral","sentiment_score":-0.038982810659541026}],"sentiment":"neutral","sentiment_score":-0.11426351132492224,"num_words":30,"start":964.055,"end":982.98},{"sentences":[{"text":"We don't have any savings anymore.","start":982.98,"end":984.52,"sentiment":"neutral","sentiment_score":-0.21715320398410162},{"text":"Yeah.","start":995.565,"end":995.885,"sentiment":"neutral","sentiment_score":0.020303919911384583},{"text":"No.","start":995.885,"end":996.385,"sentiment":"neutral","sentiment_score":-0.0997653603553772},{"text":"Yeah.","start":999.965,"end":1000.465,"sentiment":"neutral","sentiment_score":0.0216055940836668},{"text":"That was what we wanted, but life closed closed the curve ball every now and then.","start":1001.02,"end":1006.16,"sentiment":"neutral","sentiment_score":-0.020874824607744813}],"sentiment":"neutral","sentiment_score":-0.0677908905595541,"num_words":25,"start":982.98,"end":1006.16},{"sentences":[{"text":"Yep.","start":1006.54,"end":1007.04,"sentiment":"neutral","sentiment_score":0.12024904787540436},{"text":"Yeah.","start":1007.66,"end":1008.16,"sentiment":"neutral","sentiment_score":0.10037630051374435},{"text":"If it's required, yeah.","start":1030.8401,"end":1032.62,"sentiment":"neutral","sentiment_score":-0.045954219065606594},{"text":"But we don't, yeah, don't intend to go beyond 60 currently.","start":1032.92,"end":1036.8601,"sentiment":"neutral","sentiment_score":-0.10135988620194522},{"text":"Yes.","start":1044.9551,"end":1045.4551,"sentiment":"neutral","sentiment_score":0.09969665110111237}],"sentiment":"neutral","sentiment_score":-0.054358534721864596,"num_words":18,"start":1006.54,"end":1045.4551},{"sentences":[{"text":"That's good.","start":1046.795,"end":1047.535,"sentiment":"positive","sentiment_score":0.43190230429172516},{"text":"Yes.","start":1054.31,"end":1054.63,"sentiment":"neutral","sentiment_score":0.04264326021075249},{"text":"That's correct.","start":1054.63,"end":1055.29,"sentiment":"neutral","sentiment_score":0.0634722001850605},{"text":"Yes.","start":1064.655,"end":1064.895,"sentiment":"neutral","sentiment_score":0.024503737688064575},{"text":"It is $1.53 now.","start":1064.895,"end":1067.075,"sentiment":"neutral","sentiment_score":0.016643438022583723}],"sentiment":"neutral","sentiment_score":0.11244697589427233,"num_words":10,"start":1046.795,"end":1067.075},{"sentences":[{"text":"Mhmm.","start":1092.395,"end":1092.895,"sentiment":"neutral","sentiment_score":0.01595984771847725},{"text":"Mhmm.","start":1097.515,"end":1097.755,"sentiment":"neutral","sentiment_score":0.007843775674700737},{"text":"The latest numbers just bear with me.","start":1097.755,"end":1100.895,"sentiment":"neutral","sentiment_score":0.04173731591020312},{"text":"For the owner occupier now, it is $6.92.","start":1102.83,"end":1108.85,"sentiment":"neutral","sentiment_score":0.04891231143847108},{"text":"Do you want it to the do you want to know it till the exact same?","start":1109.5499,"end":1113.09,"sentiment":"neutral","sentiment_score":0.004420169978402555}],"sentiment":"neutral","sentiment_score":0.02357533472505483,"num_words":33,"start":1092.395,"end":1113.09},{"sentences":[{"text":"Then yeah.","start":1116.6151,"end":1117.4951,"sentiment":"neutral","sentiment_score":0.007770671509206297},{"text":"If I round it off, it is $6.92 or $6.93, somewhere between those two offers.","start":1117.4951,"end":1121.915,"sentiment":"neutral","sentiment_score":-0.0017077552620321512},{"text":"For the investment property, 677.","start":1125.3351,"end":1127.8351,"sentiment":"neutral","sentiment_score":0.010132307279855013},{"text":"Right.","start":1130.2151,"end":1130.61,"sentiment":"neutral","sentiment_score":0.1514204740524292},{"text":"Just give me one 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$9.50.","start":1174.5651,"end":1178.905,"sentiment":"neutral","sentiment_score":0.005944565559426944},{"text":"Yeah.","start":1192.85,"end":1193.35,"sentiment":"neutral","sentiment_score":-0.12775345146656036}],"sentiment":"neutral","sentiment_score":-0.05585443782500732,"num_words":39,"start":1153.025,"end":1193.35},{"sentences":[{"text":"Yeah.","start":1196.0499,"end":1196.45,"sentiment":"neutral","sentiment_score":0.01862213015556335},{"text":"You can probably mark it you can mark the owner occupier at around 900, frankly.","start":1196.45,"end":1201.11,"sentiment":"neutral","sentiment_score":0.05308574065566063},{"text":"I was looking at the market right now.","start":1201.785,"end":1203.625,"sentiment":"neutral","sentiment_score":0.03256756253540516},{"text":"Yeah.","start":1203.625,"end":1204.1051,"sentiment":"neutral","sentiment_score":-0.1190005987882614},{"text":"The market's so 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though.","start":1219.37,"end":1221.23,"sentiment":"neutral","sentiment_score":-0.08567024341651372}],"sentiment":"neutral","sentiment_score":-0.20972095146451308,"num_words":23,"start":1206.665,"end":1221.23},{"sentences":[{"text":"I did put it up for sale this year, and, yeah, I think the property is valued for 800.","start":1221.53,"end":1229.9501,"sentiment":"neutral","sentiment_score":-0.03480149570264315},{"text":"We couldn't sell it beyond that.","start":1230.195,"end":1231.815,"sentiment":"neutral","sentiment_score":-0.31642068922519684},{"text":"We wouldn't get any offers beyond that, so I'll stick to 800.","start":1231.875,"end":1235.1749,"sentiment":"neutral","sentiment_score":-0.2438590538998445},{"text":"Yep.","start":1241.955,"end":1242.455,"sentiment":"neutral","sentiment_score":-0.0729176253080368},{"text":"Yep.","start":1245.59,"end":1245.99,"sentiment":"neutral","sentiment_score":-0.006900576408952475}],"sentiment":"neutral","sentiment_score":-0.14271485646709037,"num_words":39,"start":1221.53,"end":1245.99},{"sentences":[{"text":"Exactly.","start":1245.99,"end":1246.49,"sentiment":"neutral","sentiment_score":0.01354335155338049},{"text":"Exactly.","start":1247.11,"end":1247.61,"sentiment":"neutral","sentiment_score":0.005133911035954952},{"text":"Yes.","start":1284.9601,"end":1285.455,"sentiment":"neutral","sentiment_score":0.12497124075889587},{"text":"Yes.","start":1285.615,"end":1285.855,"sentiment":"neutral","sentiment_score":0.12641525268554688},{"text":"And exactly with this thought, we had put it up for sale.","start":1285.855,"end":1289.075,"sentiment":"neutral","sentiment_score":0.13366704372068247}],"sentiment":"neutral","sentiment_score":0.11712926754262298,"num_words":16,"start":1245.99,"end":1289.075},{"sentences":[{"text":"In fact, I'm paying out of my pocket for the, you know, staging and everything, and not a single offer within the range of what we expect.","start":1289.2949,"end":1298.595,"sentiment":"neutral","sentiment_score":0.02069984541998969},{"text":"See, the aim is if I sell the property, I at least should have at least 100,000 in my hand so that by taking away all the other expenses.","start":1300.79,"end":1310.3099,"sentiment":"neutral","sentiment_score":0.0683746440657254},{"text":"I'm sure it's not going to attract any CGT for me, but commission costs and all of those costs for the agency, it should at least give me 100.","start":1310.3099,"end":1320.795,"sentiment":"neutral","sentiment_score":-0.014813983748699057},{"text":"So that's what I'm looking for.","start":1320.795,"end":1322.415,"sentiment":"neutral","sentiment_score":0.0821592944363753},{"text":"But, yep, no no luck.","start":1322.635,"end":1325.13,"sentiment":"negative","sentiment_score":-0.48626753091812136}],"sentiment":"neutral","sentiment_score":0.0018101363287617762,"num_words":96,"start":1289.2949,"end":1325.13},{"sentences":[{"text":"No walk ins.","start":1326.09,"end":1327.15,"sentiment":"negative","sentiment_score":-0.5851961771647135},{"text":"And thanks to the government, you know, setting up those rules for investors, it's driven everyone out.","start":1327.77,"end":1337.07,"sentiment":"negative","sentiment_score":-0.5756496874725118},{"text":"Exactly.","start":1346.795,"end":1347.295,"sentiment":"neutral","sentiment_score":-0.28018760681152344},{"text":"Exactly.","start":1349.995,"end":1350.495,"sentiment":"neutral","sentiment_score":-0.3223864734172821},{"text":"And that is what's actually hurting us.","start":1350.795,"end":1353.3401,"sentiment":"negative","sentiment_score":-0.6422072010380881}],"sentiment":"negative","sentiment_score":-0.5737813002076643,"num_words":29,"start":1326.09,"end":1353.3401},{"sentences":[{"text":"That is the exact thing we started this January to get I put it on market for five months and no progress, and we hardly had any walk ins.","start":1354.6001,"end":1365.3201,"sentiment":"neutral","sentiment_score":-0.18182616912085434},{"text":"Yeah.","start":1365.3201,"end":1365.8201,"sentiment":"neutral","sentiment_score":-0.0658307746052742},{"text":"Yep.","start":1374.295,"end":1374.795,"sentiment":"neutral","sentiment_score":-0.08492179214954376},{"text":"And Yeah.","start":1387.76,"end":1401.765,"sentiment":"neutral","sentiment_score":-0.025576196610927582},{"text":"Exactly.","start":1401.765,"end":1402.265,"sentiment":"neutral","sentiment_score":0.1262485682964325}],"sentiment":"neutral","sentiment_score":-0.15731221459367695,"num_words":34,"start":1354.6001,"end":1402.265},{"sentences":[{"text":"But it is it is, it is up for sale.","start":1402.4049,"end":1406.325,"sentiment":"neutral","sentiment_score":0.14955889955163001},{"text":"There's no doubt about it.","start":1406.325,"end":1407.6849,"sentiment":"neutral","sentiment_score":0.08713446706533431},{"text":"I've tried to put it give it to an agency that does off market sales also.","start":1407.6849,"end":1413.23,"sentiment":"neutral","sentiment_score":0.11008866410702467},{"text":"So it is I'm already in the period of that exclusive authority as we speak.","start":1413.23,"end":1418.21,"sentiment":"neutral","sentiment_score":0.10859920432170232},{"text":"So if it gets sold, it gets sold.","start":1418.4299,"end":1421.3899,"sentiment":"neutral","sentiment_score":0.186855711042881}],"sentiment":"neutral","sentiment_score":0.12623173536525834,"num_words":54,"start":1402.4049,"end":1421.3899},{"sentences":[{"text":"It's up in the market right now straight 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sort.","start":1449.755,"end":1455.455,"sentiment":"neutral","sentiment_score":-0.06386028090491891},{"text":"That was I was trying to cover off the debts for the two properties.","start":1456.6349,"end":1461.0549,"sentiment":"neutral","sentiment_score":-0.11700053193739482},{"text":"So that's what I was look you know, that's the psyche behind it.","start":1462.33,"end":1467.1499,"sentiment":"neutral","sentiment_score":-0.22135983063624456}],"sentiment":"neutral","sentiment_score":-0.11878970094976272,"num_words":47,"start":1447.1001,"end":1467.1499},{"sentences":[{"text":"So with the increasing cost of living and the rates and everything, I just thought, you know what?","start":1467.21,"end":1475.145,"sentiment":"neutral","sentiment_score":-0.1945139484273063},{"text":"I think I'm just under the 1.5 now, so I'll cover myself with the 1.5.","start":1475.225,"end":1479.9451,"sentiment":"neutral","sentiment_score":-0.09479391487936178},{"text":"Yep.","start":1479.9451,"end":1480.4451,"sentiment":"neutral","sentiment_score":-0.03329417109489441},{"text":"So that's the cost down just to see if it makes money on the super.","start":1482.105,"end":1487.805,"sentiment":"neutral","sentiment_score":0.04039590731263161},{"text":"Yeah.","start":1487.96,"end":1488.46,"sentiment":"neutral","sentiment_score":0.005529486574232578}],"sentiment":"neutral","sentiment_score":-0.08689971739426255,"num_words":50,"start":1467.21,"end":1488.46},{"sentences":[{"text":"Mhmm.","start":1511.905,"end":1512.405,"sentiment":"neutral","sentiment_score":-0.04114226624369621},{"text":"Exactly.","start":1518.61,"end":1518.9299,"sentiment":"neutral","sentiment_score":0.01631561666727066},{"text":"And that's what has been happening on my account.","start":1518.9299,"end":1521.9099,"sentiment":"neutral","sentiment_score":-0.012075795688562922},{"text":"I've been keeping an eye on it, income versus expenditure and profit or whatever you may call it.","start":1522.45,"end":1529.4299,"sentiment":"neutral","sentiment_score":-0.01880632330560022},{"text":"It's not really a great performance if you ask me.","start":1531.0249,"end":1534.1649,"sentiment":"negative","sentiment_score":-0.3467117667198181}],"sentiment":"neutral","sentiment_score":-0.10100359737108915,"num_words":39,"start":1511.905,"end":1534.1649},{"sentences":[{"text":"I don't know what else to do.","start":1535.0249,"end":1536.3049,"sentiment":"neutral","sentiment_score":-0.2371619450194495},{"text":"Do you are you recommending that the insurance should still go down to keep the cost down?","start":1536.3049,"end":1542.4049,"sentiment":"neutral","sentiment_score":-0.11843491345643997},{"text":"Mhmm.","start":1547.32,"end":1547.82,"sentiment":"neutral","sentiment_score":-0.028912413865327835},{"text":"Mhmm.","start":1550.44,"end":1550.94,"sentiment":"neutral","sentiment_score":-0.02294859103858471},{"text":"Sure.","start":1562.775,"end":1563.275,"sentiment":"neutral","sentiment_score":0.041212134063243866}],"sentiment":"neutral","sentiment_score":-0.13645096350875166,"num_words":27,"start":1535.0249,"end":1563.275},{"sentences":[{"text":"Sure.","start":1569.015,"end":1569.515,"sentiment":"neutral","sentiment_score":0.12093330919742584},{"text":"Perfect.","start":1569.655,"end":1570.155,"sentiment":"neutral","sentiment_score":0.30372029542922974},{"text":"I'm happy.","start":1570.855,"end":1571.575,"sentiment":"positive","sentiment_score":0.38872286677360535},{"text":"Yeah.","start":1571.575,"end":1571.735,"sentiment":"neutral","sentiment_score":0.1999480426311493},{"text":"Yeah.","start":1571.735,"end":1571.895,"sentiment":"neutral","sentiment_score":0.17983630299568176}],"sentiment":"neutral","sentiment_score":0.26364728063344955,"num_words":6,"start":1569.015,"end":1571.895},{"sentences":[{"text":"Yeah.","start":1571.895,"end":1572.135,"sentiment":"neutral","sentiment_score":0.2042989879846573},{"text":"Perfect.","start":1572.135,"end":1572.535,"sentiment":"neutral","sentiment_score":0.29051268100738525},{"text":"Yeah.","start":1572.535,"end":1572.9349,"sentiment":"neutral","sentiment_score":0.25268998742103577},{"text":"I'm happy to take a review of it immediately when those rates come along and yep.","start":1572.9349,"end":1579.78,"sentiment":"positive","sentiment_score":0.3414524011313915},{"text":"I'm more than happy.","start":1580.0,"end":1581.14,"sentiment":"positive","sentiment_score":0.402072012424469}],"sentiment":"positive","sentiment_score":0.3399577445310095,"num_words":23,"start":1571.895,"end":1581.14},{"sentences":[{"text":"Mhmm.","start":1596.4651,"end":1596.9651,"sentiment":"neutral","sentiment_score":0.18046079576015472},{"text":"Yep.","start":1605.22,"end":1605.62,"sentiment":"neutral","sentiment_score":0.04591939598321915},{"text":"It 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could do that.","start":1681.9349,"end":1682.6549,"sentiment":"neutral","sentiment_score":0.17631014063954353},{"text":"Yep.","start":1682.6549,"end":1683.1549,"sentiment":"neutral","sentiment_score":0.13251426815986633},{"text":"Yep.","start":1696.99,"end":1697.47,"sentiment":"neutral","sentiment_score":0.16724899411201477},{"text":"That makes sense.","start":1697.47,"end":1698.45,"sentiment":"neutral","sentiment_score":0.1792753984530767},{"text":"Yep.","start":1722.73,"end":1723.23,"sentiment":"neutral","sentiment_score":0.06365524977445602}],"sentiment":"neutral","sentiment_score":0.16064852699637414,"num_words":10,"start":1681.9349,"end":1723.23},{"sentences":[{"text":"Yeah.","start":1724.01,"end":1724.4099,"sentiment":"neutral","sentiment_score":0.07645358145236969},{"text":"Yeah.","start":1724.4099,"end":1724.73,"sentiment":"neutral","sentiment_score":0.08469885587692261},{"text":"Sure.","start":1724.73,"end":1725.21,"sentiment":"neutral","sentiment_score":0.09890057146549223},{"text":"Yeah.","start":1725.21,"end":1725.5299,"sentiment":"neutral","sentiment_score":0.0864168107509613},{"text":"We've got time.","start":1725.5299,"end":1726.1699,"sentiment":"neutral","sentiment_score":0.10708737870057423}],"sentiment":"neutral","sentiment_score":0.09539027937820979,"num_words":7,"start":1724.01,"end":1726.1699},{"sentences":[{"text":"And, yes, they do return the MoneyPro databases.","start":1726.1699,"end":1728.6699,"sentiment":"neutral","sentiment_score":0.15137063339352608},{"text":"Yep.","start":1729.5299,"end":1730.0299,"sentiment":"neutral","sentiment_score":0.11806432902812958},{"text":"Say that again?","start":1751.72,"end":1752.7,"sentiment":"neutral","sentiment_score":-0.009040969734390577},{"text":"Mhmm.","start":1756.44,"end":1756.94,"sentiment":"neutral","sentiment_score":-0.00667145848274231},{"text":"Yes.","start":1762.495,"end":1762.895,"sentiment":"neutral","sentiment_score":0.04709639027714729}],"sentiment":"neutral","sentiment_score":0.0958808156262551,"num_words":14,"start":1726.1699,"end":1762.895},{"sentences":[{"text":"Eighty twenty.","start":1762.895,"end":1763.615,"sentiment":"neutral","sentiment_score":0.06327496282756329},{"text":"Correct.","start":1763.615,"end":1764.015,"sentiment":"neutral","sentiment_score":0.13787773251533508},{"text":"Yeah.","start":1764.015,"end":1764.255,"sentiment":"neutral","sentiment_score":0.13432477414608002},{"text":"Yeah.","start":1764.255,"end":1764.4149,"sentiment":"neutral","sentiment_score":0.1548742949962616},{"text":"Yeah.","start":1764.4149,"end":1764.9149,"sentiment":"neutral","sentiment_score":0.18360595405101776}],"sentiment":"neutral","sentiment_score":0.12287211356063683,"num_words":6,"start":1762.895,"end":1764.9149},{"sentences":[{"text":"Mhmm.","start":1797.0549,"end":1797.5549,"sentiment":"neutral","sentiment_score":-0.07905884087085724},{"text":"No.","start":1802.39,"end":1802.89,"sentiment":"negative","sentiment_score":-0.4502336084842682},{"text":"Nobody wants that, man.","start":1804.3099,"end":1805.7699,"sentiment":"negative","sentiment_score":-0.6076018810272217},{"text":"Yep.","start":1820.8151,"end":1821.3151,"sentiment":"neutral","sentiment_score":0.12494558095932008},{"text":"Sure.","start":1834.44,"end":1834.94,"sentiment":"neutral","sentiment_score":0.09467555582523346}],"sentiment":"negative","sentiment_score":-0.3425098545849323,"num_words":8,"start":1797.0549,"end":1834.94},{"sentences":[{"text":"I've been asking Kyle to look at the Benelon and get those thing, you know, divest it even if it's a loss or something so that you recover it from another investment that is performing well.","start":1835.64,"end":1850.495,"sentiment":"neutral","sentiment_score":0.0349715387629759},{"text":"But it's I think I believe that Benelon is still is part of my holdings in the super and probably shows, what, 17,000, 18,000 right now?","start":1852.235,"end":1864.94,"sentiment":"neutral","sentiment_score":0.09472136127834137},{"text":"17.5.","start":1869.0,"end":1870.04,"sentiment":"neutral","sentiment_score":0.005996289663016796},{"text":"Exactly.","start":1870.04,"end":1870.54,"sentiment":"neutral","sentiment_score":0.008935852907598019},{"text":"So, yep, if it's not performing, yes, finally someone's talking about it.","start":1870.6,"end":1875.4551,"sentiment":"neutral","sentiment_score":-0.2160711931064725}],"sentiment":"neutral","sentiment_score":0.015050113342065168,"num_words":76,"start":1835.64,"end":1875.4551},{"sentences":[{"text":"So, yes, I'm happy if there's a recommendation and you do know for sure that whatever is not performing, we divest and move.","start":1875.4551,"end":1885.0751,"sentiment":"positive","sentiment_score":0.36693152817695035},{"text":"Yeah.","start":1886.415,"end":1886.655,"sentiment":"neutral","sentiment_score":0.15810498595237732},{"text":"Let's let's have a look at 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superannuation contributions tracker, adviser contact, then asset allocation by asset class, three pie charts, basically.","start":1985.085,"end":2007.0,"sentiment":"neutral","sentiment_score":0.07092821941171822}],"sentiment":"neutral","sentiment_score":0.06479312157766386,"num_words":55,"start":1965.875,"end":2007.0},{"sentences":[{"text":"Yep.","start":2008.66,"end":2009.16,"sentiment":"neutral","sentiment_score":0.04318694397807121},{"text":"No.","start":2017.195,"end":2017.4349,"sentiment":"neutral","sentiment_score":-0.16037201881408691},{"text":"It does not.","start":2017.4349,"end":2018.075,"sentiment":"neutral","sentiment_score":-0.13758827994267145},{"text":"So on the pie chart for buy asset class, I can see Australian equity is 24.4%, but it's just a colored, you know, part of the pie chart with the percentage.","start":2018.075,"end":2029.455,"sentiment":"neutral","sentiment_score":-0.041217533210592884},{"text":"It does not show me which Austen equities or which global 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yeah.","start":2037.65,"end":2038.0499,"sentiment":"neutral","sentiment_score":0.010369686409831047},{"text":"Yeah.","start":2038.0499,"end":2038.5499,"sentiment":"neutral","sentiment_score":0.013118695467710497}],"sentiment":"neutral","sentiment_score":0.006947207584744319,"num_words":8,"start":2033.8099,"end":2038.5499},{"sentences":[{"text":"Yeah.","start":2042.45,"end":2042.95,"sentiment":"neutral","sentiment_score":0.011537212878465652},{"text":"Let me I can go in horizontal mode.","start":2043.25,"end":2045.475,"sentiment":"neutral","sentiment_score":0.01784770586527884},{"text":"Oh, yep.","start":2045.475,"end":2046.035,"sentiment":"neutral","sentiment_score":0.012036074884235859},{"text":"In the horizontal mode, it shows me the quantity price, price date, and market value.","start":2046.035,"end":2051.895,"sentiment":"neutral","sentiment_score":0.01695991729696592},{"text":"Okay.","start":2052.355,"end":2052.855,"sentiment":"neutral","sentiment_score":0.030687803402543068}],"sentiment":"neutral","sentiment_score":0.017165836015785182,"num_words":27,"start":2042.45,"end":2052.855},{"sentences":[{"text":"Yep.","start":2063.8,"end":2064.12,"sentiment":"neutral","sentiment_score":0.017182881012558937},{"text":"Eight and one Benelong and then cash.","start":2064.12,"end":2066.6,"sentiment":"neutral","sentiment_score":0.014680671173014812},{"text":"Yep.","start":2066.6,"end":2066.9202,"sentiment":"neutral","sentiment_score":0.026428518816828728},{"text":"Correct.","start":2066.9202,"end":2067.4202,"sentiment":"neutral","sentiment_score":0.038972895592451096},{"text":"Yep.","start":2071.525,"end":2072.025,"sentiment":"neutral","sentiment_score":0.01949654705822468}],"sentiment":"neutral","sentiment_score":0.018622321881015192,"num_words":11,"start":2063.8,"end":2072.025},{"sentences":[{"text":"Mhmm.","start":2082.645,"end":2083.045,"sentiment":"neutral","sentiment_score":0.011762255802750587},{"text":"Mhmm.","start":2083.045,"end":2083.38,"sentiment":"neutral","sentiment_score":0.044300660490989685},{"text":"Yep.","start":2092.5,"end":2093.0,"sentiment":"neutral","sentiment_score":0.0347357839345932},{"text":"Mhmm.","start":2115.56,"end":2116.06,"sentiment":"negative","sentiment_score":-0.3664964437484741},{"text":"Mhmm.","start":2121.24,"end":2121.74,"sentiment":"neutral","sentiment_score":-0.1429084688425064}],"sentiment":"neutral","sentiment_score":-0.0837212424725294,"num_words":5,"start":2082.645,"end":2121.74},{"sentences":[{"text":"Yep.","start":2122.04,"end":2122.4402,"sentiment":"neutral","sentiment_score":-0.10978502035140993},{"text":"Yep.","start":2122.4402,"end":2122.9402,"sentiment":"neutral","sentiment_score":-0.09739144146442412},{"text":"Sure.","start":2134.9148,"end":2135.4148,"sentiment":"neutral","sentiment_score":-0.08143496513366699},{"text":"Okay.","start":2135.7148,"end":2136.2148,"sentiment":"neutral","sentiment_score":-0.05355815961956978},{"text":"So that's $6.03 $39.","start":2136.6748,"end":2138.775,"sentiment":"neutral","sentiment_score":0.020419016480445862}],"sentiment":"neutral","sentiment_score":-0.03256169008091092,"num_words":8,"start":2122.04,"end":2138.775},{"sentences":[{"text":"I do not see how much I've invested, as in how much is the loss on that.","start":2139.795,"end":2143.68,"sentiment":"neutral","sentiment_score":-0.22337918772416956},{"text":"That's good.","start":2146.72,"end":2147.3599,"sentiment":"positive","sentiment_score":0.5488598942756653},{"text":"Okay.","start":2147.3599,"end":2147.5999,"sentiment":"neutral","sentiment_score":0.1117393672466278},{"text":"So MVA, when when I property is is something that will divest.","start":2147.5999,"end":2153.04,"sentiment":"neutral","sentiment_score":0.053405968472361565},{"text":"And BHYB, how much is that valued at?","start":2153.04,"end":2155.92,"sentiment":"neutral","sentiment_score":0.029552152613177896}],"sentiment":"neutral","sentiment_score":-0.04276745482347906,"num_words":40,"start":2139.795,"end":2155.92},{"sentences":[{"text":"It's $141.52, but how much have I invested?","start":2155.92,"end":2166.275,"sentiment":"neutral","sentiment_score":0.007141414214856923},{"text":"Oh, just $40 here and there.","start":2166.275,"end":2168.135,"sentiment":"neutral","sentiment_score":0.018541577427337568},{"text":"Yeah.","start":2169.395,"end":2169.635,"sentiment":"neutral","sentiment_score":0.09754678606987},{"text":"Okay.","start":2169.635,"end":2169.9548,"sentiment":"neutral","sentiment_score":0.17933548986911774},{"text":"Cool.","start":2169.9548,"end":2170.32,"sentiment":"neutral","sentiment_score":0.3033154606819153}],"sentiment":"neutral","sentiment_score":0.04403403028845787,"num_words":17,"start":2155.92,"end":2170.32},{"sentences":[{"text":"So those are the two that you recommend to be die divested and then use that 20,000 to invest in something else?","start":2170.4001,"end":2177.1401,"sentiment":"neutral","sentiment_score":0.1775516840544614},{"text":"Mhmm.","start":2182.4001,"end":2182.9001,"sentiment":"neutral","sentiment_score":0.08413256704807281},{"text":"Mhmm.","start":2186.355,"end":2186.855,"sentiment":"neutral","sentiment_score":0.06396491825580597},{"text":"Mhmm.","start":2195.49,"end":2195.99,"sentiment":"neutral","sentiment_score":0.06637892127037048},{"text":"Mhmm.","start":2204.93,"end":2205.43,"sentiment":"neutral","sentiment_score":0.03298962861299515}],"sentiment":"neutral","sentiment_score":0.15975396478405365,"num_words":26,"start":2170.4001,"end":2205.43},{"sentences":[{"text":"Okay.","start":2205.65,"end":2206.15,"sentiment":"neutral","sentiment_score":0.05952324718236923},{"text":"Yeah.","start":2237.55,"end":2238.05,"sentiment":"neutral","sentiment_score":0.13298024237155914},{"text":"Mhmm.","start":2253.765,"end":2254.265,"sentiment":"neutral","sentiment_score":0.11260621249675752},{"text":"Yep.","start":2254.405,"end":2254.7249,"sentiment":"neutral","sentiment_score":0.10511761158704758},{"text":"Okay.","start":2254.7249,"end":2255.2249,"sentiment":"neutral","sentiment_score":0.10775324702262878}],"sentiment":"neutral","sentiment_score":0.10359611213207245,"num_words":5,"start":2205.65,"end":2255.2249},{"sentences":[{"text":"Okay.","start":2277.685,"end":2278.165,"sentiment":"neutral","sentiment_score":0.16913747787475586},{"text":"And with the few with the free style on the one that you're recommending with Meehl, how the fees are the same as Benelung or less?","start":2278.165,"end":2286.51,"sentiment":"neutral","sentiment_score":0.162795495815002},{"text":"Okay.","start":2289.6902,"end":2290.1902,"sentiment":"neutral","sentiment_score":0.07902728021144867},{"text":"How much have I lost in Benelung right now?","start":2290.4102,"end":2292.49,"sentiment":"neutral","sentiment_score":0.05729858618643549},{"text":"How much of a loss does it show in Benelung?","start":2292.49,"end":2294.27,"sentiment":"neutral","sentiment_score":0.029057039879262447}],"sentiment":"neutral","sentiment_score":0.11249160263291065,"num_words":47,"start":2277.685,"end":2294.27},{"sentences":[{"text":"Okay.","start":2297.125,"end":2297.625,"sentiment":"neutral","sentiment_score":0.06948664039373398},{"text":"Yeah.","start":2297.6848,"end":2298.1848,"sentiment":"neutral","sentiment_score":0.09585465490818024},{"text":"Yep.","start":2307.9248,"end":2308.35,"sentiment":"neutral","sentiment_score":0.06297308206558228},{"text":"We could not have any capital gains tax, right, because this is a capital loss that we're booking, isn't it?","start":2308.59,"end":2318.51,"sentiment":"neutral","sentiment_score":-0.09819659385830164},{"text":"Oh, yeah.","start":2318.51,"end":2318.9102,"sentiment":"neutral","sentiment_score":0.0709955058991909}],"sentiment":"neutral","sentiment_score":-0.06374505952000618,"num_words":25,"start":2297.125,"end":2318.9102},{"sentences":[{"text":"Yeah.","start":2318.9102,"end":2319.4102,"sentiment":"neutral","sentiment_score":0.14067667722702026},{"text":"Sure.","start":2324.055,"end":2324.295,"sentiment":"neutral","sentiment_score":0.17479971051216123},{"text":"Yep.","start":2324.295,"end":2324.6948,"sentiment":"neutral","sentiment_score":0.18187043070793152},{"text":"Then, yep.","start":2324.6948,"end":2325.515,"sentiment":"neutral","sentiment_score":0.1477661356329918},{"text":"See, mate, I'll leave it for your better judgment to guide me through this.","start":2325.575,"end":2331.835,"sentiment":"neutral","sentiment_score":0.24626684933900833}],"sentiment":"neutral","sentiment_score":0.22319026212943227,"num_words":19,"start":2318.9102,"end":2331.835},{"sentences":[{"text":"If you think you have to go to one of the ETFs or you think the one that you know investment, one of those things for me know is the same that you should do for mine.","start":2331.895,"end":2345.41,"sentiment":"neutral","sentiment_score":0.1499632365397505},{"text":"I trust your judgment on it.","start":2347.63,"end":2349.41,"sentiment":"neutral","sentiment_score":0.18547343214352927},{"text":"Yeah, because the way I see it is I'm paying month on month 1.1%.","start":2350.91,"end":2357.7651,"sentiment":"neutral","sentiment_score":0.07677706916417394},{"text":"Yeah.","start":2358.705,"end":2359.205,"sentiment":"neutral","sentiment_score":0.02357146516442299},{"text":"Yearly.","start":2366.17,"end":2366.6501,"sentiment":"neutral","sentiment_score":-0.00010105098772328348}],"sentiment":"neutral","sentiment_score":0.13152253775096742,"num_words":59,"start":2331.895,"end":2366.6501},{"sentences":[{"text":"Sorry.","start":2366.6501,"end":2366.81,"sentiment":"neutral","sentiment_score":-0.01857883855700493},{"text":"Yearly.","start":2366.81,"end":2367.21,"sentiment":"neutral","sentiment_score":-0.006173237226903439},{"text":"Yeah.","start":2367.21,"end":2367.53,"sentiment":"neutral","sentiment_score":0.020162444561719894},{"text":"Yeah.","start":2367.53,"end":2368.03,"sentiment":"neutral","sentiment_score":0.025918371975421906},{"text":"Mhmm.","start":2382.415,"end":2382.915,"sentiment":"neutral","sentiment_score":-0.13383272290229797}],"sentiment":"neutral","sentiment_score":-0.022500796429812907,"num_words":5,"start":2366.6501,"end":2382.915},{"sentences":[{"text":"Okay.","start":2390.9749,"end":2391.4749,"sentiment":"neutral","sentiment_score":0.03356992453336716},{"text":"Alright.","start":2391.535,"end":2392.035,"sentiment":"neutral","sentiment_score":0.03815779462456703},{"text":"So you guys are aware of service issues?","start":2392.255,"end":2395.26,"sentiment":"neutral","sentiment_score":0.009890545159578323},{"text":"Alright.","start":2396.76,"end":2397.26,"sentiment":"neutral","sentiment_score":0.10599210858345032},{"text":"Yep.","start":2401.2402,"end":2401.7402,"sentiment":"neutral","sentiment_score":0.10344308614730836}],"sentiment":"neutral","sentiment_score":0.030023939597109955,"num_words":12,"start":2390.9749,"end":2401.7402},{"sentences":[{"text":"Yep.","start":2402.76,"end":2403.26,"sentiment":"neutral","sentiment_score":0.1528911143541336},{"text":"I appreciate that.","start":2410.255,"end":2411.535,"sentiment":"positive","sentiment_score":0.7515293955802917},{"text":"Alright.","start":2411.535,"end":2411.935,"sentiment":"positive","sentiment_score":0.37222957611083984},{"text":"So, yeah.","start":2411.935,"end":2413.295,"sentiment":"neutral","sentiment_score":0.2390362173318863},{"text":"So, Tommy, I leave it with with your expert understanding and knowledge and decision making with this.","start":2413.295,"end":2421.955,"sentiment":"neutral","sentiment_score":0.3268769260715036}],"sentiment":"positive","sentiment_score":0.3672787106285493,"num_words":24,"start":2402.76,"end":2421.955},{"sentences":[{"text":"If you're if you're seeing both of them are doing double digits, I'll leave it for you to decide which one to go to.","start":2424.11,"end":2429.79,"sentiment":"neutral","sentiment_score":0.13668681339671215},{"text":"Frankly, that's that's the reason why I'm with you guys.","start":2429.79,"end":2431.95,"sentiment":"neutral","sentiment_score":0.2472124993801117},{"text":"You know?","start":2431.95,"end":2432.53,"sentiment":"neutral","sentiment_score":0.08335652947425842},{"text":"I was with AustralianSuper.","start":2433.1501,"end":2434.21,"sentiment":"neutral","sentiment_score":0.08963482081890106},{"text":"It was doing, what, eight percent before I came to you guys.","start":2435.07,"end":2439.6348,"sentiment":"neutral","sentiment_score":0.07712835973749559}],"sentiment":"neutral","sentiment_score":0.13852694566146687,"num_words":52,"start":2424.11,"end":2439.6348},{"sentences":[{"text":"And I didn't know what they were doing, but they're still giving me 8%.","start":2439.855,"end":2443.6348,"sentiment":"neutral","sentiment_score":-0.02248441587601389},{"text":"So you see so I'm with you guys for your advice, frankly.","start":2444.015,"end":2448.27,"sentiment":"positive","sentiment_score":0.37520196413000423},{"text":"Mhmm.","start":2459.15,"end":2459.65,"sentiment":"neutral","sentiment_score":0.16782331466674805},{"text":"Mhmm.","start":2461.395,"end":2461.895,"sentiment":"neutral","sentiment_score":0.1707308441400528},{"text":"Sure.","start":2474.31,"end":2474.81,"sentiment":"neutral","sentiment_score":0.2604561150074005}],"sentiment":"neutral","sentiment_score":0.1650569662451744,"num_words":29,"start":2439.855,"end":2474.81},{"sentences":[{"text":"Yeah.","start":2475.1902,"end":2475.59,"sentiment":"neutral","sentiment_score":0.2428501844406128},{"text":"Probably, that's a good way to look at it.","start":2475.59,"end":2478.3901,"sentiment":"positive","sentiment_score":0.37829917669296265},{"text":"Also, probably, you might want to think of recovering the money, the 3,000 and the other few $100 a year, say, $4,000 that has been lost with Benelon and the other two, how do we make it, you know, get it back kind of thing.","start":2478.3901,"end":2498.1348,"sentiment":"neutral","sentiment_score":0.11806436147954728},{"text":"So probably that could be also another focus, yeah, for your decision.","start":2498.1348,"end":2502.17,"sentiment":"neutral","sentiment_score":0.20855042959252992},{"text":"Yep.","start":2520.645,"end":2521.0452,"sentiment":"neutral","sentiment_score":0.2872689962387085}],"sentiment":"neutral","sentiment_score":0.17279872342067606,"num_words":68,"start":2475.1902,"end":2521.0452},{"sentences":[{"text":"Yeah.","start":2521.0452,"end":2521.5452,"sentiment":"neutral","sentiment_score":0.2939601540565491},{"text":"Yeah.","start":2522.085,"end":2522.585,"sentiment":"neutral","sentiment_score":0.2783900499343872},{"text":"Sure.","start":2523.125,"end":2523.625,"sentiment":"neutral","sentiment_score":0.2866634726524353},{"text":"Hopefully, that can happen like 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yeah.","start":2532.36,"end":2533.1802,"sentiment":"neutral","sentiment_score":-0.13154806941747665}],"sentiment":"neutral","sentiment_score":0.27605540508573706,"num_words":11,"start":2521.0452,"end":2533.1802},{"sentences":[{"text":"Yeah.","start":2534.4402,"end":2534.9402,"sentiment":"neutral","sentiment_score":-0.09546342492103577},{"text":"Yeah.","start":2537.2402,"end":2537.7402,"sentiment":"neutral","sentiment_score":-0.005901440978050232},{"text":"Mhmm.","start":2551.0952,"end":2551.5952,"sentiment":"neutral","sentiment_score":0.013443985022604464},{"text":"Yeah.","start":2551.975,"end":2552.475,"sentiment":"neutral","sentiment_score":0.0357397124171257},{"text":"Yeah.","start":2553.735,"end":2554.2,"sentiment":"neutral","sentiment_score":0.05120309442281723}],"sentiment":"neutral","sentiment_score":-0.00019561480730772017,"num_words":5,"start":2534.4402,"end":2554.2},{"sentences":[{"text":"Sure.","start":2554.52,"end":2555.02,"sentiment":"neutral","sentiment_score":0.08252671360969543},{"text":"Cool.","start":2556.1199,"end":2556.6199,"sentiment":"neutral","sentiment_score":0.266912579536438},{"text":"Yep.","start":2572.215,"end":2572.715,"sentiment":"positive","sentiment_score":0.3600488603115082},{"text":"Yep.","start":2574.855,"end":2575.2551,"sentiment":"neutral","sentiment_score":0.30514419078826904},{"text":"Sure.","start":2575.2551,"end":2575.7551,"sentiment":"positive","sentiment_score":0.5344021320343018}],"sentiment":"neutral","sentiment_score":0.3098068952560425,"num_words":5,"start":2554.52,"end":2575.7551},{"sentences":[{"text":"Congratulations.","start":2575.8152,"end":2576.3152,"sentiment":"positive","sentiment_score":0.7197992205619812},{"text":"Oh, wow.","start":2581.24,"end":2581.98,"sentiment":"positive","sentiment_score":0.5204683244228363},{"text":"Cool.","start":2604.535,"end":2604.6948,"sentiment":"neutral","sentiment_score":0.1476738154888153},{"text":"Cool.","start":2604.6948,"end":2604.855,"sentiment":"neutral","sentiment_score":0.1659756600856781},{"text":"Cool.","start":2604.855,"end":2605.175,"sentiment":"neutral","sentiment_score":0.17412084341049194}],"sentiment":"positive","sentiment_score":0.3747510313987732,"num_words":6,"start":2575.8152,"end":2605.175},{"sentences":[{"text":"That's fine.","start":2605.175,"end":2605.7349,"sentiment":"neutral","sentiment_score":0.1970531865954399},{"text":"That's fine.","start":2605.7349,"end":2606.375,"sentiment":"neutral","sentiment_score":0.13890141248703003},{"text":"Anytime after the tenth.","start":2606.375,"end":2607.835,"sentiment":"neutral","sentiment_score":0.00463138148188591},{"text":"But do remember, I am traveling overseas.","start":2608.01,"end":2610.67,"sentiment":"neutral","sentiment_score":-0.023299752601555417},{"text":"So September 17 will be my last day in Melbourne, and I'm coming back on the second or the October 3.","start":2613.29,"end":2623.435,"sentiment":"neutral","sentiment_score":-0.016692089892569043}],"sentiment":"neutral","sentiment_score":0.004911182448267937,"num_words":36,"start":2605.175,"end":2623.435},{"sentences":[{"text":"That's a Sunday.","start":2623.435,"end":2624.4949,"sentiment":"neutral","sentiment_score":-0.046465990444024406},{"text":"So I would if if we have to have a call between the tenth and seventeenth, I would prefer to have it earlier to the closer to the Monday than the later part of the week.","start":2626.4749,"end":2636.9749,"sentiment":"neutral","sentiment_score":-0.012244732977301788},{"text":"Seventeen is when I travel, so I won't be available on the seventeenth, the day I travel.","start":2637.62,"end":2642.04,"sentiment":"neutral","sentiment_score":-0.04451412083033253},{"text":"So yeah.","start":2642.4202,"end":2643.24,"sentiment":"neutral","sentiment_score":0.010657581500709057},{"text":"So somewhere between Monday, Tuesday, could be yeah.","start":2644.5,"end":2647.3801,"sentiment":"neutral","sentiment_score":0.0034795714309439063}],"sentiment":"neutral","sentiment_score":-0.019512070881539716,"num_words":66,"start":2623.435,"end":2647.3801},{"sentences":[{"text":"If that's Sorry.","start":2647.3801,"end":2666.3901,"sentiment":"neutral","sentiment_score":-0.0129100459938248},{"text":"Just give me one sec.","start":2666.3901,"end":2667.77,"sentiment":"neutral","sentiment_score":-0.06615535095334053},{"text":"The ten goes.","start":2668.47,"end":2669.35,"sentiment":"neutral","sentiment_score":-0.017596923435727756},{"text":"Right?","start":2669.35,"end":2669.85,"sentiment":"neutral","sentiment_score":-0.003941001370549202},{"text":"Oh, seven.","start":2673.99,"end":2674.47,"sentiment":"neutral","sentiment_score":0.004602726083248854}],"sentiment":"neutral","sentiment_score":-0.029788086589957987,"num_words":14,"start":2647.3801,"end":2674.47},{"sentences":[{"text":"Yeah.","start":2674.47,"end":2674.7102,"sentiment":"neutral","sentiment_score":-0.000883542001247406},{"text":"I was wondering which the tenth is on a Thursday.","start":2674.7102,"end":2677.1902,"sentiment":"neutral","sentiment_score":-0.017602876387536527},{"text":"Sorry.","start":2677.1902,"end":2677.605,"sentiment":"neutral","sentiment_score":-0.08344769477844238},{"text":"So are you but you said you're not available till the 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ask?","start":2713.5852,"end":2719.605,"sentiment":"neutral","sentiment_score":0.01134112166861693},{"text":"Nope.","start":2725.1301,"end":2725.45,"sentiment":"neutral","sentiment_score":-0.06901736557483673}],"sentiment":"neutral","sentiment_score":0.005919425003230572,"num_words":25,"start":2687.445,"end":2725.45},{"sentences":[{"text":"They'll start in October.","start":2725.45,"end":2726.59,"sentiment":"neutral","sentiment_score":0.002809347235597671},{"text":"Yeah.","start":2727.85,"end":2728.17,"sentiment":"neutral","sentiment_score":0.22101914882659912},{"text":"Yeah.","start":2728.17,"end":2728.67,"sentiment":"neutral","sentiment_score":0.163869246840477},{"text":"Yeah.","start":2731.05,"end":2731.21,"sentiment":"neutral","sentiment_score":0.10941247642040253},{"text":"Yeah.","start":2731.21,"end":2731.71,"sentiment":"neutral","sentiment_score":0.11860176175832748}],"sentiment":"neutral","sentiment_score":0.0780175028485246,"num_words":8,"start":2725.45,"end":2731.71},{"sentences":[{"text":"Mhmm.","start":2737.4749,"end":2737.9749,"sentiment":"neutral","sentiment_score":0.0929633229970932},{"text":"Tuesday, 6PM.","start":2754.05,"end":2756.6301,"sentiment":"neutral","sentiment_score":0.08283228799700737},{"text":"I think that Tuesday, 6PM works better because I will have no classes to drive around for.","start":2758.45,"end":2765.065,"sentiment":"neutral","sentiment_score":0.15968860072248123},{"text":"And I I reckon email will also be available by that time.","start":2765.925,"end":2770.0251,"sentiment":"neutral","sentiment_score":0.13900694934030375},{"text":"6PM.","start":2770.245,"end":2770.985,"sentiment":"neutral","sentiment_score":0.1390025019645691}],"sentiment":"neutral","sentiment_score":0.1448612122824698,"num_words":33,"start":2737.4749,"end":2770.985},{"sentences":[{"text":"Yeah.","start":2771.045,"end":2771.545,"sentiment":"neutral","sentiment_score":0.2289242148399353},{"text":"Yeah.","start":2771.7651,"end":2772.2651,"sentiment":"neutral","sentiment_score":0.21293896436691284},{"text":"I mean yeah.","start":2773.205,"end":2774.585,"sentiment":"neutral","sentiment_score":0.1480339914560318},{"text":"Yep.","start":2776.32,"end":2776.82,"sentiment":"neutral","sentiment_score":0.20588302612304688},{"text":"Yeah.","start":2779.04,"end":2779.54,"sentiment":"neutral","sentiment_score":0.2027645856142044}],"sentiment":"neutral","sentiment_score":0.18494468075888498,"num_words":7,"start":2771.045,"end":2779.54},{"sentences":[{"text":"Mhmm.","start":2786.56,"end":2786.6401,"sentiment":"neutral","sentiment_score":0.12980405986309052},{"text":"Yep.","start":2786.6401,"end":2787.1401,"sentiment":"neutral","sentiment_score":0.2563436031341553},{"text":"Yep.","start":2795.835,"end":2796.335,"sentiment":"neutral","sentiment_score":0.15926265716552734},{"text":"Yep.","start":2813.36,"end":2813.84,"sentiment":"neutral","sentiment_score":0.3226444125175476},{"text":"That that does work.","start":2813.84,"end":2815.2202,"sentiment":"positive","sentiment_score":0.5589934587478638}],"sentiment":"positive","sentiment_score":0.388003570958972,"num_words":8,"start":2786.56,"end":2815.2202},{"sentences":[{"text":"That does help.","start":2815.52,"end":2816.4202,"sentiment":"positive","sentiment_score":0.5939891934394836},{"text":"With Dana, I'm not sure.","start":2818.08,"end":2819.9402,"sentiment":"neutral","sentiment_score":0.014140653796494007},{"text":"Is is she a is she just like an intern or something like Kyle was?","start":2820.225,"end":2827.7651,"sentiment":"neutral","sentiment_score":-0.0020567613964279493},{"text":"Or is she a full time adviser with you guys?","start":2829.3452,"end":2831.985,"sentiment":"neutral","sentiment_score":0.003307667560875416},{"text":"I'm not sure.","start":2831.985,"end":2832.8052,"sentiment":"neutral","sentiment_score":-0.0382866437236468}],"sentiment":"neutral","sentiment_score":0.048334338133119874,"num_words":36,"start":2815.52,"end":2832.8052},{"sentences":[{"text":"But one of the expectations or an aim or a hope was if I get across onboarded with you guys as well, then both our supers are with one with one person, and we get one solid advice across the two supers is how I had kind of thought about it that it'll work that way.","start":2834.945,"end":2863.935,"sentiment":"neutral","sentiment_score":0.1838181079365313},{"text":"I I don't mean anything bad for Dana or anything in when I say this, but I was hoping if if you're going to be looking after my super account, then I would prefer that you look after her, Mino's, as well.","start":2866.61,"end":2885.595,"sentiment":"neutral","sentiment_score":0.11667913296038196},{"text":"I do not know if having a different set of eyes will help or not.","start":2885.595,"end":2890.155,"sentiment":"neutral","sentiment_score":-0.018700483193000158},{"text":"It's it's it's all wishful thinking, isn't it?","start":2890.155,"end":2894.015,"sentiment":"neutral","sentiment_score":0.005200608553423081},{"text":"But my aim and Mino's aim, they converge at a point.","start":2896.0598,"end":2899.76,"sentiment":"neutral","sentiment_score":0.1258175257932056}],"sentiment":"neutral","sentiment_score":0.12378354570484423,"num_words":132,"start":2834.945,"end":2899.76},{"sentences":[{"text":"And if that point is known by one person, then it helps a lot is what I believe.","start":2900.22,"end":2905.8398,"sentiment":"neutral","sentiment_score":0.16163415792915556},{"text":"I do not know how you guys see this within the business, but is that possible is the question.","start":2905.98,"end":2913.535,"sentiment":"neutral","sentiment_score":-0.030726731607788486},{"text":"Sure.","start":2921.92,"end":2922.42,"sentiment":"neutral","sentiment_score":0.17159515619277954},{"text":"Mhmm.","start":2923.84,"end":2924.34,"sentiment":"neutral","sentiment_score":0.09765827655792236},{"text":"Yes.","start":2931.12,"end":2931.62,"sentiment":"neutral","sentiment_score":0.1467265486717224}],"sentiment":"neutral","sentiment_score":0.06853967308998107,"num_words":40,"start":2900.22,"end":2931.62},{"sentences":[{"text":"Yes.","start":2938.0352,"end":2938.435,"sentiment":"neutral","sentiment_score":0.2345162034034729},{"text":"I prefer that.","start":2938.435,"end":2939.5752,"sentiment":"positive","sentiment_score":0.37582897146542865},{"text":"Yes, sir.","start":2954.06,"end":2954.3,"sentiment":"neutral","sentiment_score":0.2720247954130173},{"text":"Yeah.","start":2954.3,"end":2954.7002,"sentiment":"neutral","sentiment_score":0.2858964204788208},{"text":"Sure.","start":2954.7002,"end":2955.02,"sentiment":"positive","sentiment_score":0.3925210237503052}],"sentiment":"neutral","sentiment_score":0.32305876910686493,"num_words":8,"start":2938.0352,"end":2955.02},{"sentences":[{"text":"That will make a lot of sense.","start":2955.02,"end":2956.62,"sentiment":"positive","sentiment_score":0.4562169015407562},{"text":"Yep.","start":2956.62,"end":2957.12,"sentiment":"neutral","sentiment_score":0.11076762527227402},{"text":"We can do that.","start":2957.26,"end":2958.24,"sentiment":"positive","sentiment_score":0.4346854090690613},{"text":"Agreed.","start":2974.175,"end":2974.675,"sentiment":"positive","sentiment_score":0.4936116337776184},{"text":"Sounds like a plan.","start":2975.3499,"end":2976.57,"sentiment":"positive","sentiment_score":0.72159643471241}],"sentiment":"positive","sentiment_score":0.49547205558594537,"num_words":17,"start":2955.02,"end":2976.57},{"sentences":[{"text":"Just a question.","start":2984.47,"end":2985.53,"sentiment":"neutral","sentiment_score":0.02285236306488514},{"text":"How is the HubSpot repur account fairing?","start":2986.23,"end":2988.47,"sentiment":"neutral","sentiment_score":0.026087038485067233},{"text":"As in, how much have I put in?","start":2988.47,"end":2991.065,"sentiment":"neutral","sentiment_score":0.012658223160542548},{"text":"What is the current value?","start":2991.365,"end":2992.745,"sentiment":"neutral","sentiment_score":0.00993829295039177},{"text":"And what is the percentage gain?","start":2993.365,"end":2995.285,"sentiment":"neutral","sentiment_score":0.01943181175738573}],"sentiment":"neutral","sentiment_score":0.01788670617830137,"num_words":29,"start":2984.47,"end":2995.285},{"sentences":[{"text":"What is the movement?","start":2995.285,"end":2996.265,"sentiment":"neutral","sentiment_score":0.014434725511819124},{"text":"Mhmm.","start":3001.8098,"end":3002.3098,"sentiment":"neutral","sentiment_score":0.02127122133970261},{"text":"So let's say for the last financial year, what are what is the dollar value of my contributions versus what is the market value after all expenses?","start":3002.45,"end":3010.39,"sentiment":"neutral","sentiment_score":0.01656240010978999},{"text":"And how much is it performing?","start":3011.17,"end":3014.3098,"sentiment":"neutral","sentiment_score":0.018445660049716633},{"text":"Mhmm.","start":3022.4348,"end":3022.9348,"sentiment":"neutral","sentiment_score":0.021643318235874176}],"sentiment":"neutral","sentiment_score":0.016884928330396995,"num_words":39,"start":2995.285,"end":3022.9348},{"sentences":[{"text":"Mhmm.","start":3040.28,"end":3040.78,"sentiment":"neutral","sentiment_score":0.03495698794722557},{"text":"Yes.","start":3060.795,"end":3061.11,"sentiment":"neutral","sentiment_score":0.0273998212069273},{"text":"And over what dollar value?","start":3061.1902,"end":3063.4502,"sentiment":"neutral","sentiment_score":0.023369499668478965},{"text":"Mhmm.","start":3073.27,"end":3073.77,"sentiment":"neutral","sentiment_score":0.000315024983137846},{"text":"What's the denominator there?","start":3075.205,"end":3076.905,"sentiment":"neutral","sentiment_score":-0.01651299325749278}],"sentiment":"neutral","sentiment_score":0.009455613287476202,"num_words":12,"start":3040.28,"end":3076.905},{"sentences":[{"text":"Sorry.","start":3093.3,"end":3093.7002,"sentiment":"neutral","sentiment_score":-0.10458743572235107},{"text":"I'm I'm yes.","start":3093.7002,"end":3094.98,"sentiment":"neutral","sentiment_score":-0.10318260143200557},{"text":"Sorry.","start":3094.98,"end":3095.1401,"sentiment":"neutral","sentiment_score":-0.105155311524868},{"text":"Go on.","start":3095.1401,"end":3095.8,"sentiment":"neutral","sentiment_score":-0.025909684598445892},{"text":"Yeah.","start":3107.085,"end":3107.585,"sentiment":"neutral","sentiment_score":-0.0570162832736969}],"sentiment":"neutral","sentiment_score":-0.07851577550172806,"num_words":8,"start":3093.3,"end":3107.585},{"sentences":[{"text":"No.","start":3107.645,"end":3107.885,"sentiment":"neutral","sentiment_score":-0.13972242176532745},{"text":"What I meant is you've given me two figures, 10,600 and 20,000 something.","start":3107.885,"end":3113.825,"sentiment":"neutral","sentiment_score":-0.08230696425128442},{"text":"But is that $20,000 in fees for the year?","start":3114.365,"end":3119.07,"sentiment":"neutral","sentiment_score":-0.0008803403211964502},{"text":"Oh, okay.","start":3129.065,"end":3129.8848,"sentiment":"neutral","sentiment_score":0.06261890567839146},{"text":"And yeah.","start":3130.505,"end":3132.1848,"sentiment":"neutral","sentiment_score":0.04407978430390358}],"sentiment":"neutral","sentiment_score":-0.03719402370215566,"num_words":27,"start":3107.645,"end":3132.1848},{"sentences":[{"text":"Okay.","start":3132.1848,"end":3132.6848,"sentiment":"neutral","sentiment_score":0.04895191639661789},{"text":"Mhmm.","start":3136.825,"end":3137.325,"sentiment":"neutral","sentiment_score":0.029303472489118576},{"text":"Mhmm.","start":3140.6648,"end":3141.1648,"sentiment":"neutral","sentiment_score":0.04497376456856728},{"text":"Yeah.","start":3147.56,"end":3147.8,"sentiment":"neutral","sentiment_score":0.09907344728708269},{"text":"Okay.","start":3147.8,"end":3148.3,"sentiment":"neutral","sentiment_score":0.13664275407791138}],"sentiment":"neutral","sentiment_score":0.07178907096385956,"num_words":5,"start":3132.1848,"end":3148.3},{"sentences":[{"text":"Okay.","start":3150.2,"end":3150.68,"sentiment":"neutral","sentiment_score":0.2128623723983765},{"text":"Cool.","start":3150.68,"end":3151.0,"sentiment":"positive","sentiment_score":0.4175471067428589},{"text":"Cool.","start":3151.0,"end":3151.5,"sentiment":"positive","sentiment_score":0.4603697955608368},{"text":"So are we hitting the target 10 to 15% growth year on year?","start":3151.88,"end":3156.645,"sentiment":"neutral","sentiment_score":0.3222623043335401},{"text":"Are we or are we not?","start":3156.725,"end":3163.545,"sentiment":"neutral","sentiment_score":0.03215803081790606}],"sentiment":"neutral","sentiment_score":0.24877897345206954,"num_words":22,"start":3150.2,"end":3163.545},{"sentences":[{"text":"Okay.","start":3167.125,"end":3167.625,"sentiment":"neutral","sentiment_score":0.1813133955001831},{"text":"Alright.","start":3167.685,"end":3168.185,"sentiment":"neutral","sentiment_score":0.2735222280025482},{"text":"Alright.","start":3168.98,"end":3169.14,"sentiment":"positive","sentiment_score":0.3981761932373047},{"text":"Cool.","start":3169.14,"end":3169.64,"sentiment":"positive","sentiment_score":0.6596560478210449},{"text":"I look forward to that call then on the fifteenth.","start":3170.74,"end":3173.0,"sentiment":"positive","sentiment_score":0.6831185758113861}],"sentiment":"positive","sentiment_score":0.5959895444767815,"num_words":14,"start":3167.125,"end":3173.0},{"sentences":[{"text":"Let's see how everybody have in plan, and we move along.","start":3173.5398,"end":3177.96,"sentiment":"positive","sentiment_score":0.4842847829515284},{"text":"Yep.","start":3203.1,"end":3203.42,"sentiment":"neutral","sentiment_score":0.183084636926651},{"text":"Yeah, man.","start":3203.42,"end":3203.9,"sentiment":"neutral","sentiment_score":-0.30262642353773117},{"text":"Yelling does not help anyone.","start":3203.9,"end":3205.44,"sentiment":"negative","sentiment_score":-0.5635750234127045},{"text":"Being rude neither does help anyone.","start":3206.115,"end":3207.975,"sentiment":"negative","sentiment_score":-0.5883825023969015}],"sentiment":"neutral","sentiment_score":-0.05772822916507721,"num_words":25,"start":3173.5398,"end":3207.975},{"sentences":[{"text":"So, yeah, I'm laughing about it ultimately, but there is going to be a point in time where I'll probably put my foot down and say, you know what?","start":3208.115,"end":3214.835,"sentiment":"negative","sentiment_score":-0.34665953907473335},{"text":"I've done I've been laughing about it for quite some time, and no one's probably taking me seriously.","start":3214.835,"end":3219.575,"sentiment":"negative","sentiment_score":-0.450669613149431},{"text":"But yeah.","start":3220.1,"end":3221.24,"sentiment":"neutral","sentiment_score":-0.1849384605884552},{"text":"It's just what it is.","start":3222.26,"end":3223.48,"sentiment":"neutral","sentiment_score":-0.1972693085670471},{"text":"I I believe it can take if I were running a business and getting a customer onboard takes eighteen months, I'm not running the right business in the right way, mate.","start":3223.78,"end":3233.535,"sentiment":"negative","sentiment_score":-0.4203704220633353}],"sentiment":"negative","sentiment_score":-0.3829751319745008,"num_words":85,"start":3208.115,"end":3233.535},{"sentences":[{"text":"I mean, maybe.","start":3233.775,"end":3242.095,"sentiment":"neutral","sentiment_score":-0.1443084975083669},{"text":"A month, couple of months because of unknown factors like insurance companies.","start":3242.095,"end":3246.4949,"sentiment":"neutral","sentiment_score":-0.14861575327813625},{"text":"Yeah.","start":3246.4949,"end":3246.7349,"sentiment":"neutral","sentiment_score":-0.06992267072200775},{"text":"I understand.","start":3246.7349,"end":3247.395,"sentiment":"neutral","sentiment_score":-0.08787926658987999},{"text":"But eighteen months.","start":3247.535,"end":3248.6748,"sentiment":"neutral","sentiment_score":-0.18731028834978738}],"sentiment":"neutral","sentiment_score":-0.14399650480066026,"num_words":21,"start":3233.775,"end":3248.6748},{"sentences":[{"text":"Yeah.","start":3253.27,"end":3253.51,"sentiment":"neutral","sentiment_score":-0.11089321225881577},{"text":"Yeah.","start":3253.51,"end":3254.01,"sentiment":"neutral","sentiment_score":0.07320767641067505},{"text":"I appreciate.","start":3256.3901,"end":3257.05,"sentiment":"neutral","sentiment_score":0.13756027817726135},{"text":"Oh, no worries, mate.","start":3261.365,"end":3262.405,"sentiment":"positive","sentiment_score":0.40940310060977936},{"text":"I I appreciate that, and that's what I'm hoping for.","start":3262.405,"end":3265.385,"sentiment":"positive","sentiment_score":0.7211492359638214}],"sentiment":"positive","sentiment_score":0.5048077656990952,"num_words":18,"start":3253.27,"end":3265.385},{"sentences":[{"text":"Now that I'm speaking to a senior adviser, I'm sure that I I'm I mean, we can work together to to reach whatever goals or achieve whatever goals we can together.","start":3265.525,"end":3276.7449,"sentiment":"positive","sentiment_score":0.41353130725122267},{"text":"Yeah.","start":3276.885,"end":3277.26,"sentiment":"neutral","sentiment_score":0.31607258319854736},{"text":"Cool.","start":3278.78,"end":3279.28,"sentiment":"positive","sentiment_score":0.5707745552062988},{"text":"Cool.","start":3280.3801,"end":3280.7,"sentiment":"positive","sentiment_score":0.5593442320823669},{"text":"Oh, me too, mate.","start":3280.7,"end":3281.92,"sentiment":"positive","sentiment_score":0.3949948400259018}],"sentiment":"positive","sentiment_score":0.4169905593520717,"num_words":38,"start":3265.525,"end":3281.92},{"sentences":[{"text":"Thank you very much.","start":3282.06,"end":3283.04,"sentiment":"positive","sentiment_score":0.7606688737869263},{"text":"Yes, mate.","start":3287.42,"end":3288.06,"sentiment":"positive","sentiment_score":0.4232698529958725},{"text":"Cheers.","start":3288.06,"end":3288.46,"sentiment":"positive","sentiment_score":0.6559860706329346},{"text":"Thank you very much.","start":3288.46,"end":3289.18,"sentiment":"positive","sentiment_score":0.7675561755895615},{"text":"Thanks for the call.","start":3289.18,"end":3290.24,"sentiment":"positive","sentiment_score":0.7684511840343475}],"sentiment":"positive","sentiment_score":0.7126153806845347,"num_words":15,"start":3282.06,"end":3290.24},{"sentences":[{"text":"Hey, mate.","start":3291.58,"end":3292.06,"sentiment":"neutral","sentiment_score":0.2516428530216217},{"text":"Bye.","start":3292.06,"end":3292.4128,"sentiment":"neutral","sentiment_score":-0.0928446352481842}],"sentiment":"neutral","sentiment_score":0.13681369026501974,"num_words":3,"start":3291.58,"end":3292.4128}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, kids. It's Tommy here, senior adviser from Oakview Financial. How are you doing?\n\nChannel 1: I'm doing good, Tommy. Thanks for the call. How are you?\n\nChannel 0: Mate, I'm doing fantastic. It's a beautiful cool week on the Gold Coast. What about your end?\n\nChannel 1: Oh, it was a perfect spring day, twenty two in Melbourne. Honey.\n\nChannel 0: Oh, that's what we love. That's what\n\nChannel 1: Yep.\n\nChannel 0: we love. Mate, I've just got a few things I wanted to run by you today that Carl was working on for you a little while\n\nChannel 1: Yep.\n\nChannel 0: ago.\n\nChannel 1: Yeah.\n\nChannel 0: Do you mind if I just go through a quick security check with you and we can jump into it together?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Perfect. So as always, calls are recorded for training and quality purposes. I'm registered with Asica's adviser 1273105. Can I just get your date of birth and address for security,\n\nChannel 1: Yes.\n\nChannel 0: please?\n\nChannel 1: You said date of birth. Right?\n\nChannel 0: Correct. Date of birth and then residential address.\n\nChannel 1: Yep. Yep. So 07/16/1979, and\n\nChannel 0: Mhmm.\n\nChannel 1: the residential address is 12 Catania Muse, Caban Springs, Victoria 3023.\n\nChannel 0: Sensational. Thank you very much for that. Mate, a few things I was kind of looking at beforehand was a bit of a portfolio updates Carl was looking at with you for the super. And\n\nChannel 1: Mhmm.\n\nChannel 0: a few things I'm wanting to look at today was mainly around, a, service level expectations just to make sure that we're doing right by you and making sure that we've got the service that you expect from us. Outside of that, I can see that Carl did a bit of a reduction of the insurances earlier this year. Does that ring a bell?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Okay. So I'm definitely on the same page there. Just in terms of goals to start with, just to make sure I've got this correct, your main priorities for the next five years is to obviously pay off the mortgage and then boost up the super as much as possible. And you were thinking about going overseas, go see your mom, and also possibly a bit of investing.\n\nDoes that sound right?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Okay. Got you there. I did wanna update a few details with you just to see if there's been any major changes. But is there anything in particular that you would like to begin with or anything you want me to focus on today?\n\nChannel 1: The couple of things, frankly, as far as the service is concerned, I understand that Kyle is not working with you guys anymore, and he was there as\n\nChannel 0: Yes.\n\nChannel 1: an intern for his provisional ear is what I understand. Something that I wasn't happy about that financial is setting up clients with interns or provisional year students. I wasn't very happy to know that I was advised only after Kyle had left when I got a call for this meeting setup. Alright? So\n\nChannel 0: Gotcha.\n\nChannel 1: that is something that I'd not appreciate that my money, my hard earned money was, you know, nothing wrong with Kyle. Don't get me wrong. He was an excellent handler, if I can say that, call that. You know?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: But things were taken way too lightly also because I have if you probably also notice, sometime around last year is when I asked my wife also to join as a client for you guys,\n\nChannel 0: Yes.\n\nChannel 1: and that process is still happening, if I'm not wrong. There was an issue with the insurance. I don't think the rollover has completely happened. I don't think it takes that long to bring business to Oakview Financial, mate. I'm introducing my partner to you guys so that we both take advantage of what our benefits on the, you know, fees and everything.\n\nChannel 0: Yeah.\n\nChannel 1: But her she's also on hub twenty four, but she's not completely rolled over from wherever she was to hub twenty four still. And if I'm not wrong, she still has got $20,000 or something sitting in her old, you know, super. So all in all, there has been a lot of slack.\n\nChannel 0: Yep.\n\nChannel 1: I've complained to Kyle. Through Kyle, I've taken it ahead to some senior adviser. I don't know who it was at that point of time. Then there's this girl die they they what is it?\n\nChannel 0: Yep. Oh,\n\nChannel 1: What\n\nChannel 0: Dana.\n\nChannel 1: is it?\n\nChannel 0: Yes.\n\nChannel 1: Dana. Yeah. She's handling my wife's case. We found out she was working part time, then we are told that, you know, we don't know\n\nChannel 0: Yep.\n\nChannel 1: who told you which she was part time. She's full time, so I'm getting mixed mixed communication.\n\nChannel 0: Yeah.\n\nChannel 1: It's all over the place, mate. You're a senior adviser. This is the first time you when you identified yourself, you've given your license number also, if I'm if I'm not wrong, when you introduced yourself.\n\nChannel 0: Yeah. That's one of my my calling cards is I've done that my whole career.\n\nChannel 1: So yeah. So this is the first time I'm getting some kind of, you know, how do I put it, professional information?\n\nChannel 0: Yeah.\n\nChannel 1: It's the first time someone has asked me, we want to hear from you how are our service level. You know, I'm not saying I'm not going to say SLAs, but how are we what kind of service are we really providing you? Are you happy with it or not? And I've been\n\nChannel 0: Yeah.\n\nChannel 1: probably ranting about for the last two minutes, three minutes. That should tell you what I really am looking at. I'm really considering moving my business from OP Financial to another because of this\n\nChannel 0: Yep.\n\nChannel 1: all of this.\n\nChannel 0: Yeah. And that's I can see that'll be frustrating because it's not just one one little thing. There's a a culmination\n\nChannel 1: It's not a bit\n\nChannel 0: of many\n\nChannel 1: frustrating\n\nChannel 0: items\n\nChannel 1: for me.\n\nChannel 0: over, what, twelve, eighteen months.\n\nChannel 1: Yes. It's not a bit frustrating. It's really frustrating. I do not know where my wife's super fits at. Is it making money?\n\nBecause the rollover hasn't happened yet. So I do not know if it's making money with $0.5.24 with a partial part of it sitting with you guys. I know\n\nChannel 0: Yeah.\n\nChannel 1: whether she whether her retirement fund or whatever she had, that 20,000 is definitely making money for her. I do not know if HUB24 is making money for her. So as a household, I am I'm frustrated to the fact that I'm still not sure why does it take so long. She had some issues with her insurance. I understand, you know,\n\nChannel 0: And\n\nChannel 1: you guys went your team went to some insurance providers, and they did not take that insurance on board for my partner. I understand that there was that time gap there, but\n\nChannel 0: it's only been\n\nChannel 1: it's\n\nChannel 0: recently resolved.\n\nChannel 1: been recently resolved probably a couple of months back.\n\nChannel 0: Yeah.\n\nChannel 1: If not more than that,\n\nChannel 0: Mhmm.\n\nChannel 1: probably July or something of that sort. So you see, ultimately, I'm your client only because you're making money for me. You see? It's it's the truth for everyone. Right?\n\nIf you put yourself in my shoes and you're get you're receiving a service from someone, you're in you're with them only because you're receiving an set outcome with them. Right?\n\nChannel 0: Yeah. And you're trying to actually get that value to get that outcome, which is to catch up the super, get you into a good retirement, and any other advice you need along the way.\n\nChannel 1: Exactly.\n\nChannel 0: Yep.\n\nChannel 1: In in my individual case as well, I've received some communications from Kyle about there's some changes. You have some partner sign ups with BlackRock or something or Vanguard. I don't remember BlackRock, I think so.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah. That's the one.\n\nChannel 1: yeah. Yeah. So those recommendations are in place, but not recommendations. Those questions are are still up in a limbo because I do not know I do not understand what's the advice. What do I have to take as an action?\n\nMy account still remains as there's there's multi account or something. There's some terminology that was coined, given to me by Kyle.\n\nChannel 0: Yep.\n\nChannel 1: So those questions are also not answered. So I'm frankly,\n\nChannel 0: Need to get that resolved at the least.\n\nChannel 1: in fact, I also found out that your business model has changed and you moved from an annual to a quarterly review with your clients. I have asked that and the quarterly reviews are\n\nChannel 0: Yep.\n\nChannel 1: not happening as quarterly as possible or or, you know, as it as much as they should be.\n\nChannel 0: Yep.\n\nChannel 1: Alright. I'll stop here now.\n\nChannel 0: No. I I appreciate you being frank with me because at the end of the day, for however long I've got you under my care, my duty of care to you is to get you in a position that I can based\n\nChannel 1: Yep.\n\nChannel 0: on my skill set.\n\nChannel 1: Mhmm.\n\nChannel 0: Outside of that, it's to uphold the service that you expect because I understand that once trust is lost, it's very hard to regain again.\n\nChannel 1: Correct. Correct.\n\nChannel 0: So what I will do\n\nChannel 1: Mhmm.\n\nChannel 0: is my utmost to at least fulfill what I can on my side of things. If\n\nChannel 1: Mhmm.\n\nChannel 0: you decide to stay with us, that would be fantastic. If not, we will do our best for however long we are together.\n\nChannel 1: Yep.\n\nChannel 0: Now I'll go through usual couple of checks with you because I wanna resolve the portfolio, number one, absolutely. And I wanna make it a bit bit more straightforward for you. It doesn't have to be confusing and up in the air for months that we can come to ideas and decisions quickly and efficiently and\n\nChannel 1: Yep.\n\nChannel 0: get onto it before the markets turn too badly, and we miss out\n\nChannel 1: Yep.\n\nChannel 0: on opportunities. So two things I'll I'll do. First of all, in terms of Kyle, brilliant man, when he was giving you advice earlier this year, he was a fully registered adviser. He had finished his apprenticeship. So just to let you know, he wasn't an intern earlier in the year kind of thing.\n\nBut\n\nChannel 1: Mhmm.\n\nChannel 0: any of those that we have, they're always overseen by a senior adviser as well. So just wanna give you some reassurance that anything that he did was checked by others as well to make sure it's in your best interest.\n\nChannel 1: Mhmm. Yeah. Sure.\n\nChannel 0: For\n\nChannel 1: He was good\n\nChannel 0: Nina?\n\nChannel 1: at what he did, mate. Don't get me wrong. Carl was good at what he did. I just\n\nChannel 0: He is.\n\nChannel 1: was surprised that I found out that he was probably an intern or a provisional year, you know, candidate there. So I'm I was really surprised that those those how do I say? Junior level advisers are exposed to customers,\n\nChannel 0: Yeah.\n\nChannel 1: if\n\nChannel 0: Yeah.\n\nChannel 1: I may say it correctly. Sorry.\n\nChannel 0: Absolutely. And I think usually for that twelve month apprenticeship, they do go through client contacts under supervision to make sure they're building those skills. And then once they're actually graduated, they're allowed to do it in isolation once qualified.\n\nChannel 1: Mhmm.\n\nChannel 0: When it comes to Minelle's situation, I do work pretty closely with Dana. So I will have a conversation with Dana to see where everything is sitting for her now that the insurances have been resolved and get some clear communication back to you guys so you know what the next steps are.\n\nChannel 1: Sure. Sure.\n\nChannel 0: Perfect. Yep. We'll resolve the the portfolio issue today because I can do that quite simply, and I'll put together the the plan for that quite quickly for you. Outside of that, let's just talk about a couple of main goals. Because like you said, everything here is for an outcome, and we're trying to get towards an outcome at some point.\n\nSo I would like to have more joint discussions with you guys later on just\n\nChannel 1: I would\n\nChannel 0: to make\n\nChannel 1: appreciate\n\nChannel 0: sure that\n\nChannel 1: that.\n\nChannel 0: your\n\nChannel 1: Yep.\n\nChannel 0: joint joint retirement goals come into effect together because that's part of the service. Right? As you you've become a client together, you've referred your wife, you've placed trust in us to look after her situation as well. But at the same time, retirement is something that you're both gonna do towards the same time together. Correct?\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Correct.\n\nChannel 0: So at your age at the moment, you've got thirteen years and you till you can access the super at 60. That's your\n\nChannel 1: Yep.\n\nChannel 0: preservation age. Afterwards, age pension's unavailable till 67. Right? So we're talking quite a few years still. We've we've got thirteen years until preservation, maybe another five to seven after that if you wanna go that far.\n\nDoes that make sense?\n\nChannel 1: Yep. Make sense at all. Completely. Yep.\n\nChannel 0: Now when I've got your retirement goal here listed as $1,500 per week, My quick calculation is that you need somewhere between 700,000 and 1,500,000 in assets to produce that income either for twenty years or for a hundred years. That's kind of what we're aiming at, if that makes sense.\n\nChannel 1: Say that again?\n\nChannel 0: So if we get you to, let's say, 700,000 in the\n\nChannel 1: Mhmm.\n\nChannel 0: super,\n\nChannel 1: Mhmm.\n\nChannel 0: that can produce 1,500 per week tax free for about twenty, twenty five years past life expectancy.\n\nChannel 1: Mhmm. Right. And is\n\nChannel 0: That\n\nChannel 1: that after 50?\n\nChannel 0: correct.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Sorry. Is that for the individual, though, or\n\nChannel 0: individual. So\n\nChannel 1: individual.\n\nChannel 0: that's why\n\nChannel 1: Okay.\n\nChannel 0: I'm trying to think, okay, if 1,500 per week with the mortgage paid off is what I've got listed for your retirement goal,\n\nChannel 1: Mhmm.\n\nChannel 0: Do you believe that that would be sufficient for both of you, or we would need an additional amount?\n\nChannel 1: If 1,500 is per individual and\n\nChannel 0: That's\n\nChannel 1: mortgage\n\nChannel 0: what I'm\n\nChannel 1: is paid, I'm well, you you tell me if it is enough.\n\nChannel 0: thinking.\n\nChannel 1: Let's say I'm going to live till 80.\n\nChannel 0: Perfect. So the government standards, they do a bit of a retirement standards where they say a couple should have around about 78,000, which is around about that amount. That's before having a mortgage paid off, and you do have an investment property, don't you?\n\nChannel 1: Yes.\n\nChannel 0: K. But that one's gonna be sold?\n\nChannel 1: Yes. But it won't get sold this year, but, yes, it will get sold soon.\n\nChannel 0: K. Just briefly, once that gets sold, what's the intention there? Is that to just pay off the mortgage, get another place? What's the thinking there?\n\nChannel 1: Once it is sold, focus the money that I save now, it's it's a lot of money that we're paying because of the interest rates. So\n\nChannel 0: Yes.\n\nChannel 1: everything that paid is going to go towards\n\nChannel 0: Yep. And when you say that, that means pay off the mortgage, maximize your contributions,\n\nChannel 1: retirement.\n\nChannel 0: all that kind of thing.\n\nChannel 1: Yes. Yes. Precisely.\n\nChannel 0: Perfect. So what I'll do is when we update the portfolio for your hub 24, I'll include the updated projections, and we'll factor in those maximum contributions, see how that looks. Just bear in mind, this financial year, it's 32,500 combined. They've increased the cap a little bit this financial year.\n\nChannel 1: Yes. Yes. Correct.\n\nChannel 0: Perfect. Outside of that, you did have a bit of savings in an offset account. Is that essentially being pulled aside to AVE, pay off the mortgage, but also as a bit of an emergency fund?\n\nChannel 1: The savings, I do not remember what number you have.\n\nChannel 0: I think we had about 70,000. That might be a bit old.\n\nChannel 1: That's quite old, mate. Yep. So that 70 is gone now. So, yeah, you can just mark it as zero. We don't have any savings anymore.\n\nChannel 0: Yep. So that also crosses out the idea of doing some investing for the time being. There's no point trying to throw $50,000 into a managed fund account to grow\n\nChannel 1: Yeah.\n\nChannel 0: wealth\n\nChannel 1: No.\n\nChannel 0: if we need to build up savings first and pay off the mortgage. Does that sound right?\n\nChannel 1: Yeah. That was what we wanted, but life closed closed the curve ball every now and then. Yep.\n\nChannel 0: Sure does.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's fine. So what I need to make sure that we can do is that with the contributions that are going in, the growth of the investments and the additional contributions, that we can at least solidify the retirement goal. And are you wanting me to make sure that we can try and get there by age 60, like, as early as possible, or are you okay to go a few extra years?\n\nChannel 1: If it's required, yeah. But we don't, yeah, don't intend to go beyond 60 currently.\n\nChannel 0: Yep. So intention is 60 if possible. And if you have to work one or two extra years, you will do so only if required.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: That's good.\n\nChannel 0: And you're still senior banner sorry, senior business analyst for Shell Energy at the moment?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: We've just hit end of financial year. Has the income changed from 148,000 for the year coming up now?\n\nChannel 1: Yes. It is $1.53 now.\n\nChannel 0: Yep. $1.53. Easy done. Okay. Let's have a look.\n\nWe've got the cars. We've got the investment property that'll go. Just in terms of debt values, just for a moment, then I can dive in the portfolio with you. We had you owing about 707,000 for your main residence and 6\n\nChannel 1: Mhmm.\n\nChannel 0: 90 for the investment property.\n\nChannel 1: Mhmm. The latest numbers just bear with me.\n\nChannel 0: No worries at all.\n\nChannel 1: For the owner occupier now, it is $6.92. Do you want it to the do you want to know it till the exact same?\n\nChannel 0: No. That's fine. Rough round figures is okay.\n\nChannel 1: Then yeah. If I round it off, it is $6.92 or $6.93, somewhere between those two offers.\n\nChannel 0: Yep. And for the investment property?\n\nChannel 1: For the investment property, 677.\n\nChannel 0: 677.\n\nChannel 1: Right.\n\nChannel 0: Perfect.\n\nChannel 1: Just\n\nChannel 0: Okay.\n\nChannel 1: give me\n\nChannel 0: That's\n\nChannel 1: one sec.\n\nChannel 0: all. Yeah. No worries.\n\nChannel 1: Yeah. Okay. Sorry. I'm back. Tell me.\n\nChannel 0: No. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I've got the debt values listed. I've looked up an online evaluation. The only owner occupier, they're they're saying about 827,000, but what would you say for the main residence?\n\nChannel 1: For the main residency, I got it valued for my loan last November. But since then, the prices the market's fallen down.\n\nChannel 0: Yep.\n\nChannel 1: The bank will do to price the value at 9 when the property at $9.50.\n\nChannel 0: K. $9.50. No. That's perfectly fine. I'll go off $9.50 for now.\n\nI know it has dropped down a little bit, but you know how these cycles, they tend to bump back up again over time. It doesn't\n\nChannel 1: Yeah.\n\nChannel 0: take too long.\n\nChannel 1: Yeah. You\n\nChannel 0: And\n\nChannel 1: can\n\nChannel 0: just\n\nChannel 1: probably\n\nChannel 0: lastly,\n\nChannel 1: mark it you can mark the owner occupier at around 900, frankly. I\n\nChannel 0: I think\n\nChannel 1: was\n\nChannel 0: that's\n\nChannel 1: looking\n\nChannel 0: pretty\n\nChannel 1: at the\n\nChannel 0: reasonable.\n\nChannel 1: market right now. Yeah. The market's so bad. There's no nobody available for $9.50 for the property.\n\nChannel 0: Yep. Okay. 900 flat. And\n\nChannel 1: Yep.\n\nChannel 0: just lastly, the investment property, that was $8.50 previously.\n\nChannel 1: No. That was also an estimate. Oh, that was a bank estimate, though. I did put it up for sale this year, and, yeah, I think the property is valued for 800. We couldn't sell it beyond that.\n\nWe\n\nChannel 0: Yeah.\n\nChannel 1: wouldn't get any offers beyond that, so I'll stick to 800.\n\nChannel 0: K. So this is part of what you're saying about, you know, life throws you some curveballs, the savings goes, but then at\n\nChannel 1: Yep.\n\nChannel 0: the same time, property market's affecting you guys as well.\n\nChannel 1: Yep. Exactly. Exactly.\n\nChannel 0: I think it's honestly, like I don't mean to overstep, Gidge, but being able to divest out of that property when you know it's no longer serving you, especially if it's costing you a lot of money, trying to clear 700,000 worth of debt while maintaining a property that may be negatively geared at the time, that's pretty difficult to do. So I think what you're looking to do makes a lot of sense. It may not feel good knowing that, you know, maybe a year or two ago, you could have got a bit more for it, but you can't hang on to something that's a bad apple for too long worrying about what could have been two years ago, if that makes sense.\n\nChannel 1: Yes. Yes. And exactly with this thought, we had put it up for sale. In\n\nChannel 0: Yep.\n\nChannel 1: fact, I'm paying out of my pocket for the, you know, staging and everything,\n\nChannel 0: Yeah.\n\nChannel 1: and not a single offer within the range of what we expect.\n\nChannel 0: Yep.\n\nChannel 1: See, the aim is if I sell the property, I at least should have at least 100,000 in my hand so that\n\nChannel 0: Yep.\n\nChannel 1: by taking away all the other expenses. I'm sure it's not going to attract any CGT for me, but commission costs and all of those costs for the agency, it should at least give me 100. So that's what I'm looking for. But, yep, no no luck. No walk ins.\n\nAnd thanks to the government, you know, setting up those rules for investors, it's driven everyone out.\n\nChannel 0: Yeah. The the foot traffic just disappeared. Everyone's there's a lot of fear in the market at the moment, and it may continue on for the rest of the year until\n\nChannel 1: Exactly.\n\nChannel 0: people start dipping their toe back in. Right?\n\nChannel 1: Exactly. And that is what's actually hurting us. That is the exact thing we started this January\n\nChannel 0: Yep.\n\nChannel 1: to get I put it on market for five months and no progress, and we hardly\n\nChannel 0: Wow.\n\nChannel 1: had any walk ins. Yeah.\n\nChannel 0: Okay. So I think your site has been affected quite heavily too, and especially your area as well compared to some.\n\nChannel 1: Yep.\n\nChannel 0: I would just hazard just a bit of patience on it. I I know it's painful, but these things do tend to kind of even out over time. That's, you know, the market's liquid. It's kind of like a a bit of water. It flows where it needs to.\n\nAnd\n\nChannel 1: And\n\nChannel 0: they put the gates up and it stops flowing, and then all of a sudden it starts seeping under and and goes back there. So it may be painful for this year, but, you know, you're going in the right direction with it. It just may not come to fruition until next year.\n\nChannel 1: Yeah. Exactly. But it is it is, it is up for sale. There's no doubt about it. I've tried to put it give it to an agency that does off market sales also.\n\nSo it is I'm already in the period of that exclusive authority as we speak. So if it gets sold, it gets sold. It's up in the market right now\n\nChannel 0: Yep.\n\nChannel 1: straight away.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I'll\n\nChannel 1: Yeah.\n\nChannel 0: keep a note on file about the properties. We'll keep an eye on those. With the reduction of the insurances that you did earlier in the year, you haven't had too much of a change in debt levels, income levels, anything like that. So just double checking with you, the 1,500,000 for life insurance, disability insurance, do you still feel that's okay at the moment?\n\nChannel 1: Mhmm. Yeah. Yeah. I think so. I think what we were at earlier was 1.7 or 1.8 or something of that sort.\n\nThat was\n\nChannel 0: Yes.\n\nChannel 1: I was trying to cover off the debts for the two properties. So that's what I was look you know, that's the psyche behind it. So with the increasing cost of living and the rates and everything, I just thought, you know what? I think I'm just under the 1.5 now, so I'll\n\nChannel 0: Yep.\n\nChannel 1: cover myself with the\n\nChannel 0: K.\n\nChannel 1: 1.5. Yep. So that's the cost down just to see if it makes money on the super. Yeah.\n\nChannel 0: Yeah. That's the one thing that I'm kind of worried about is that when that increases next year in March, it's not too bad in the late forties, but the moment you hit forty nine fifty, the insurance starts to accelerate very quickly with age, and it'll become 6,000, 8,000, 10,000, 12,000 over the period of four or five years very quickly. So I need to keep a lid\n\nChannel 1: Mhmm.\n\nChannel 0: on the cost because if the soup is growing well, contributions are good. You don't want the fees to be dragging it back down again.\n\nChannel 1: Exactly. And that's what has been happening on my account. I've been keeping an eye on it, income versus expenditure and profit or whatever you may call it. It's not really a great performance if you ask me. I don't know what else to do.\n\nDo you are you recommending that the insurance should still go down\n\nChannel 0: No.\n\nChannel 1: to\n\nChannel 0: I\n\nChannel 1: keep\n\nChannel 0: think they're\n\nChannel 1: the cost\n\nChannel 0: fine\n\nChannel 1: down?\n\nChannel 0: for the time being. What I would do is if you sell off that property and then\n\nChannel 1: Mhmm.\n\nChannel 0: we touch base in the New Year, if\n\nChannel 1: Mhmm.\n\nChannel 0: that property is then gone and you don't need to cover off on those debts before the increase happens, they'll give us a notice within thirty to sixty days to tell us what the price changes, and then we can look at trimming it down again.\n\nChannel 1: Sure.\n\nChannel 0: And that way before that next amount comes out, we can have it all lined up.\n\nChannel 1: Sure. Perfect.\n\nChannel 0: That sound alright?\n\nChannel 1: I'm happy. Yeah. Yeah. Yeah. Perfect.\n\nYeah. I'm happy to take a review of it immediately when those rates come along and yep. I'm\n\nChannel 0: Yep.\n\nChannel 1: more than happy.\n\nChannel 0: With your income protection, so one of the things you've got to keep keep in mind for income protection is you have the the full benefit features in terms of a thirty day waiting period, which is great. You don't have\n\nChannel 1: Mhmm.\n\nChannel 0: to wait two months, three months for it to kick in, and it pays you all the way up to the age of 65, if that rings a bell. Now\n\nChannel 1: Yep.\n\nChannel 0: what\n\nChannel 1: It\n\nChannel 0: tends\n\nChannel 1: does.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: happen, it's currently protecting you for an income of a $153,800 because it's been slowly increasing with inflation\n\nChannel 1: Mhmm.\n\nChannel 0: to cover you for income increases, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: But that is the most expensive one as well. So, yes, once the debt's cleared, we can trim down the life insurance, the disability insurance. The income protection through the fifties, that'll start to jump up a couple thousand dollars\n\nChannel 1: Mhmm.\n\nChannel 0: as well.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Now because you don't currently have the savings right now, you need to keep it as a thirty day waiting period. But once you have it built up, we can push it out to sixty or ninety days to reduce the premiums significantly as it starts to increase to offset that.\n\nChannel 1: Yep. Yep. Cool.\n\nChannel 0: In addition, once you have lower debts and not that many years until age 65, you could also trim down the benefit period to five years as well as a as a cost saving measure. So for the next five to eight years, we can very easily keep on top of the price of it as long as we review the waiting period according to your savings and the benefit period according to how much that would save.\n\nChannel 1: Mhmm. Yep. Sure. We could\n\nChannel 0: So\n\nChannel 1: do\n\nChannel 0: that\n\nChannel 1: that.\n\nChannel 0: basically\n\nChannel 1: Yep.\n\nChannel 0: means your income is protected for as long as possible, and the soup is not being eaten away too quickly. As that bit increases, those are the two levers that we can pull as well as shopping around to other insurers if they can offer a better deal as well.\n\nChannel 1: Yep. That makes sense.\n\nChannel 0: K. So I'll put in for a bit of a catch up in the New Year to review the insurances, make sure we get ahead of any price increases. If for some reason it takes a couple extra days and the premiums come out, they do give you pro rata refunds. So if it's three hundred and sixty five days and it takes us a week, they'll give you a 99% refund. So we still got a little bit of time,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah. Yeah. Sure. Yeah. We've got time.\n\nAnd, yes, they do return the MoneyPro databases. Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to the portfolio itself, so this is a pretty simple equation for me, to be perfectly honest. You're sitting in a growth risk level inside the super at the moment. You know that kind of four out of five on the risk scale, 80% in growth assets, shares, property, gold.\n\nDoes that does that ring a bell?\n\nChannel 1: Say that again?\n\nChannel 0: So the growth risk profile, which is that\n\nChannel 1: Mhmm.\n\nChannel 0: kind of 80 in growth assets, 20% in the safer kind of assets.\n\nChannel 1: Yes. Eighty twenty. Correct. Yeah. Yeah.\n\nYeah.\n\nChannel 0: Yep. Eighty twenty. So the only ways to really get the super accelerated is higher returns or higher risk, reduce fees or put more money in, is essentially the four things. We keep on top of the insurance premiums. That's number one.\n\nYou're already gonna maximize your contributions. That's number two. It sounds to me that if I was to put you into some high growth portfolio and I called you in nine months' time and your super was sitting at 92\n\nChannel 1: Mhmm.\n\nChannel 0: thousand dollars, don't think you would be very happy with that with your kids.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: Nobody wants that, man.\n\nChannel 0: So what what that basically points to is those underperforming investment options that are in there, mainly the option. We have to replace those with some better options to get it back up to the double digit returns\n\nChannel 1: Yep.\n\nChannel 0: because it should be doing at least 9% on average. And the portfolio that we do have where we have replaced that and done some research, they are hitting that twelve, thirteen, 14% that you need.\n\nChannel 1: Sure. I've been asking Kyle to look at the Benelon and get those thing, you know, divest it even if it's a loss or something\n\nChannel 0: Yep.\n\nChannel 1: so that you recover it from another investment that is performing well. But it's I think I believe that Benelon is still is part of my holdings in the super and probably shows, what, 17,000, 18,000 right now?\n\nChannel 0: 17.5.\n\nChannel 1: 17.5. Exactly. So,\n\nChannel 0: Yep.\n\nChannel 1: yep, if it's not performing, yes, finally someone's talking about it. So, yes, I'm happy if there's a recommendation and you do know for sure that whatever is not performing, we divest and move. Yeah. Let's let's have a look at it. Yeah.\n\nChannel 0: So to keep that nice and straightforward, when I'm looking at your options that are in there, your all of your international options are doing fantastic. S and P 500, you've got global shares. That's great. Cybersecurity has kicked back up again with the AI issues. Battery tech and lithium, that's your electric vehicles.\n\nThat's going great. Gold is going great. Basically, what we need to do is fine tune three options out of the portfolio and slot in some replacements. So Benelong is number one. The\n\nChannel 1: Mhmm.\n\nChannel 0: other one is the bank hybrids that are being phased out by the government the next couple of years. While we can stay in there for a little while, if everybody sells off out of that one, it could actually drop quite quickly even though it's supposed to be a safe asset. So we have to divest out of that one as well.\n\nChannel 1: Yep. Sure. Sure. Can you can you if I log in to the Hub 24, can\n\nChannel 0: Yep.\n\nChannel 1: you guide me through what screen you're looking at and what is an equivalent screen that I can look at so that what you say is I can kind of follow what you're\n\nChannel 0: Yeah. Absolutely. So if you log in to the Hub 24, your login's different than an adviser\n\nChannel 1: saying.\n\nChannel 0: login.\n\nChannel 1: Yep.\n\nChannel 0: We normally go off very in-depth reports,\n\nChannel 1: Mhmm.\n\nChannel 0: but your your dashboard should be able to show you the options that you have towards, you know, just on the front screen dashboard. If\n\nChannel 1: Yep.\n\nChannel 0: you go down a little bit, it should show you the options and those little four digit codes.\n\nChannel 1: So it shows me investment. See, I'm on the dashboard portfolio dashboard screen right now.\n\nChannel 0: Yep.\n\nChannel 1: After that graph account balance graph, it shows me investments, also listed securities, managed funds, and cash, and\n\nChannel 0: Yep.\n\nChannel 1: then it has super or superannuation contributions tracker, adviser contact, then asset allocation by asset class, three pie charts, basically.\n\nChannel 0: Perfect. With\n\nChannel 1: Yep.\n\nChannel 0: the Australian listed securities, the managed funds, and the cash, does it show you the underlying options, the name of the options in that section?\n\nChannel 1: No. It does not. So on the pie chart for buy asset class, I can see Australian equity is 24.4%, but it's\n\nChannel 0: Yep.\n\nChannel 1: just a colored, you know, part of the pie chart with the percentage. It does not show me which Austen equities or which\n\nChannel 0: Gotcha.\n\nChannel 1: global equities. Yeah. Yep.\n\nChannel 0: And if\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: go up above there where it said Australian\n\nChannel 1: mhmm.\n\nChannel 0: list\n\nChannel 1: Oh,\n\nChannel 0: of securities\n\nChannel 1: yeah. Yeah.\n\nChannel 0: and managed funds, can you expand that at all? Like, click on it and it opens up?\n\nChannel 1: Yeah. Let me I can go in horizontal mode. Oh, yep. In the horizontal mode, it shows me the quantity price, price date, and market value. Okay.\n\nChannel 0: Yep. And that should have one, two, three, four, five, six, seven, eight options under securities and the one managed fund in Benelon.\n\nChannel 1: Yep. Eight and one Benelong and then cash. Yep. Correct.\n\nChannel 0: Yep. Correct. So what I'm basically looking at in these is\n\nChannel 1: Yep.\n\nChannel 0: ACDC at the top. That's your electric vehicles. BHYB, that's the one that's being phased out as a term deposit type vehicle.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: Gold cybersecurity composite bonds, that all looks great. S and P 500, that's the best. The property one, second last one there, VINEC\n\nChannel 1: Yep.\n\nChannel 0: property. A bit strange, but in Australia, obviously, property is one of the the go tos long term for the best returns. But these property funds are actually tracking property companies. And since the government came out with the CGT changes and negative gearing, those companies have taken a quite a large hit in their values even though\n\nChannel 1: Mhmm.\n\nChannel 0: property market still, generally speaking, has been quite high for the last three to five years.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: outside of a self managed super fund, which they've just banned, I do have to get you out of that option because the the property companies themselves, there's a lot of insolvencies\n\nChannel 1: Sure. Okay. So that's $6.03 $39. I do not see how much I've invested, as in how much is the loss on that.\n\nChannel 0: on at the moment. It's only 300.\n\nChannel 1: That's good. Okay. So MVA,\n\nChannel 0: Yep.\n\nChannel 1: when when I property is is something that will divest. And BHYB, how much is that valued at? It's $141.52, but how much have\n\nChannel 0: You invested $1,419.03.\n\nChannel 1: I invested? Oh, just $40 here and there.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay. Cool. So those are the two that you recommend to be die divested and then use that 20,000 to invest in something else?\n\nChannel 0: Yeah. What I would like to do is so with the Benelon,\n\nChannel 1: Mhmm.\n\nChannel 0: yes, I will get a replacement option for that, but I also\n\nChannel 1: Mhmm.\n\nChannel 0: wanna make sure that it's not too high in Australian equities because that 25% that you saw, 25 is okay. We might go\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit lower, but I'll I'll have a little look. But I don't wanna put in $30.40 percent into that because the international side is what's growing a lot stronger.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Now to kind of guide me a little bit, you've kind of already had the conversation previously with Kyle, but just give me a gut feeling on this one. Bennelong is an active fund manager, pay high fees, try and get a high return. They have essentially failed at that mandate, and we don't believe that they will increase again. Now the replacement options, Hub twenty four has the most options in the entire country, and there's 1,300 there. It's the biggest investment\n\nChannel 1: Yeah.\n\nChannel 0: menu. I can replace that with just a nice, beautiful, low fee ETF that tracks the Aussie market. That'll reduce those investment fees by about 90%, and it'll be back onto double digit returns for that asset class.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: do have another act active fund manager that I've researched with the investment committee, which we have put Mina Lynn, which is Alfiniti, and it has been outperforming the Aussie market over one, three, five, and ten years. So I can do the same investment option that she has to try and outperform the market, or I can go a little bit lower fee with yours.\n\nChannel 1: Okay. And with the few with the free style on the one that you're recommending with Meehl, how the fees are the same as Benelung or less?\n\nChannel 0: 10% less than Venmo.\n\nChannel 1: Okay. How much have I lost in Benelung right now? How much of a loss does it show in Benelung?\n\nChannel 0: 3,400. So\n\nChannel 1: Okay.\n\nChannel 0: any\n\nChannel 1: Yeah.\n\nChannel 0: sale of that one, we will use to offset any of the other gains to minimize the capital gains tax, and that'll reduce that impact a little bit when we switch it.\n\nChannel 1: Yep. We could not have any capital gains tax, right, because this is a capital loss that we're booking, isn't\n\nChannel 0: So correct. So if there's any of the other ones that are positive that I would like to rebalance or\n\nChannel 1: it?\n\nChannel 0: update,\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: I can do that and offset it for free, and that'll save 15\n\nChannel 1: Sure. Yep. Then, yep. See, mate, I'll leave it for your better judgment to guide me through this. If you think you have to\n\nChannel 0: percent.\n\nChannel 1: go to one of the ETFs or you think the one that you know investment, one of those things for me know is the same that you should do for mine. I trust your judgment on it.\n\nChannel 0: Yep.\n\nChannel 1: Yeah, because the way I see it is I'm paying month on month 1.1%. Yeah.\n\nChannel 0: No. I believe we hang on. Let me double check. Yeah. The 1.1% is yearly split\n\nChannel 1: Yearly.\n\nChannel 0: into\n\nChannel 1: Sorry.\n\nChannel 0: monthly\n\nChannel 1: Yearly.\n\nChannel 0: payments,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: but we have kept the fees off of your account until we can resolve Mino's insurances and provide you with this advice. So we canceled it a couple of months ago,\n\nChannel 1: Mhmm.\n\nChannel 0: and I will not get you to sign another one until I have that advice in front of you to read and make sure you're happy with the advice.\n\nChannel 1: Okay. Alright. So you guys are aware of service issues? Alright.\n\nChannel 0: I did see some file notes about things\n\nChannel 1: Yep.\n\nChannel 0: that you had raised,\n\nChannel 1: Yep.\n\nChannel 0: and I'm definitely coming into this conversation. I wanted to make sure that I could address that with you.\n\nChannel 1: I appreciate that. Alright.\n\nChannel 0: That's\n\nChannel 1: So,\n\nChannel 0: okay.\n\nChannel 1: yeah. So, Tommy, I leave it with with your expert understanding and knowledge and decision making with this. If you're if you're seeing both of them are doing double digits, I'll leave it for you to decide which one to go to. Frankly, that's that's the reason why I'm with you guys. You know?\n\nChannel 0: Yeah.\n\nChannel 1: I was with AustralianSuper. It was doing, what, eight percent before I came to you guys. And I didn't know what they were doing, but they're still giving me 8%. So\n\nChannel 0: Yeah.\n\nChannel 1: you see so I'm with you guys for your advice, frankly.\n\nChannel 0: One thing I think I should do, which will be a little bit of fun for me, is why don't I put you in the low fee option for the time being? We'll let\n\nChannel 1: Mhmm.\n\nChannel 0: it run for twelve months,\n\nChannel 1: Mhmm.\n\nChannel 0: and then we'll compare how both of you guys have gone over that period. And if one of you would like to switch to the other style, we can make sure you're both in the same thing. But that way, you can see how it both plays out over the year.\n\nChannel 1: Sure. Yeah. Probably, that's a good way to look at it. Also, probably, you might want to think of recovering the money, the 3,000 and the other few $100 a year, say, $4,000 that has been lost with Benelon and the other two, how do we make it, you know, get it back kind of thing. So probably that could\n\nChannel 0: Yep.\n\nChannel 1: be also another focus, yeah, for your decision.\n\nChannel 0: Absolutely. And I think once we've got that fixed up, most of those portfolios where we have looked at those options, they're they're right back up into the twelve, thirteen, 14%, and it'll catch up very quickly over a period of the stock market going up, you will get that accelerated benefit.\n\nChannel 1: Yep. Yeah. Yeah. Sure.\n\nChannel 0: K.\n\nChannel 1: Hopefully, that can happen like that.\n\nChannel 0: Yeah. It's it's one of those things where I don't have a crystal ball to protect predict when\n\nChannel 1: Oh,\n\nChannel 0: the stock\n\nChannel 1: yeah.\n\nChannel 0: market's gonna go up and down, but\n\nChannel 1: Yeah.\n\nChannel 0: I do know how these behave over\n\nChannel 1: Yeah.\n\nChannel 0: the last three, five, ten, twenty years. And I can say with with certainty that both of these options will at least do far better than if we with Ben Long for any further or move back to even Australian Super.\n\nChannel 1: Mhmm. Yeah. Yeah. Sure.\n\nChannel 0: K.\n\nChannel 1: Cool.\n\nChannel 0: Alright. I will fast track this a little bit. Please bear with me for a moment just because I have just come back from leave having a third child. So my calendar is is quite booked up for the next couple of weeks, but I\n\nChannel 1: Yep.\n\nChannel 0: will get you in at the top of the list.\n\nChannel 1: Yep. Sure. Congratulations.\n\nChannel 0: We'll thank you. I have two boys and now a girl, and\n\nChannel 1: Oh, wow.\n\nChannel 0: I've been having best time. Like, the boys, they love her. One seven, one three. They always wanna help grab the clothes and the nappies and grab the dummy, and they're probably kissing her a bit too much. I'm having a good time.\n\nBut as soon as I got back, I had you booked in with me, and I looked at my calendar and went, oh, no. I'm booked out till, like, the September 10.\n\nChannel 1: Cool. Cool. Cool. That's fine. That's fine.\n\nAnytime after the tenth. But do\n\nChannel 0: Yep.\n\nChannel 1: remember, I am traveling overseas. So September 17 will be my last day in Melbourne, and I'm coming back on the second or the October 3. That's a Sunday. So I would if if we have to have a call between the tenth and seventeenth, I would prefer to have it earlier to the closer\n\nChannel 0: Yep.\n\nChannel 1: to the Monday than the later part of the week. Seventeen is when I travel, so I won't be available on the seventeenth, the day I travel. So yeah. So somewhere\n\nChannel 0: Okay.\n\nChannel 1: between Monday, Tuesday, could be yeah. If that's\n\nChannel 0: So let me have a look at time frame. So I do early shift on a Monday where I'm available decently early in the morning and then leave to pick up the kids. And then Tuesday, I've got a late night. So would you prefer early or late?\n\nChannel 1: Sorry. Just give me one sec. The ten goes. Right?\n\nChannel 0: Yeah. I'm looking at the seventh and the eighth at the moment.\n\nChannel 1: Oh, seven. Yeah. I was wondering which the tenth is on a Thursday. Sorry. So are you but you said you're not available till the tenth.\n\nRight?\n\nChannel 0: Let's have a look. Yeah.\n\nChannel 1: Which\n\nChannel 0: It'll\n\nChannel 1: means the\n\nChannel 0: have\n\nChannel 1: fourteenth?\n\nChannel 0: to be yeah. Sorry. The fourteenth is probably the best day for you because seventeenth, you're off,\n\nChannel 1: Yep.\n\nChannel 0: and I'm closed out that week beforehand mostly. So fourteenth and fifteenth. Are we thinking Monday morning or Tuesday evening?\n\nChannel 1: Monday\n\nChannel 0: Oh,\n\nChannel 1: or Monday morning. What what time do you think you reckon it's you're available, if I may\n\nChannel 0: actually,\n\nChannel 1: ask?\n\nChannel 0: daylight savings in Victoria, doesn't that start in September?\n\nChannel 1: Nope. They'll start in October.\n\nChannel 0: October 4. Okay. Thank gosh.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Didn't wanna mistime the appointment there.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I'm available anytime between 08:30 onwards in the morning\n\nChannel 1: Mhmm.\n\nChannel 0: on the Monday or anytime after, sorry, one to four on the Tuesday or 6PM on the\n\nChannel 1: Tuesday,\n\nChannel 0: Tuesday.\n\nChannel 1: 6PM. I think that Tuesday, 6PM works better because I will have no classes to drive around for. And\n\nChannel 0: Yep.\n\nChannel 1: I I reckon email will also be available by that time. 6PM.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: I mean\n\nChannel 0: what I'll\n\nChannel 1: yeah.\n\nChannel 0: do in between, Kitch, is\n\nChannel 1: Yep.\n\nChannel 0: I'll put together the updated portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: I'll put a flag in for a discussion in the New Year about the insurances when we get the anniversary notice. We'll\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: maximize the contributions for the time being, let you build up your savings, let you focus on the property goals.\n\nChannel 1: Yep.\n\nChannel 0: And in the interim, I'll have a chat with Dana and see what's going on with consolidation, if that's happening or not. And then we'll touch base on the fifteenth on the evening to get the super portfolio updated. How's that sound for you?\n\nChannel 1: Yep. That that does work. That does help. With Dana, I'm not sure. Is is she a is she just like an intern or something like Kyle was?\n\nOr is she a full time adviser with you guys? I'm not sure. But one of the expectations or an aim or a hope\n\nChannel 0: Mhmm.\n\nChannel 1: was if I get across onboarded with you guys as well, then both our supers are with one with one person, and we get one solid advice across the two supers is how I had kind of thought about it that it'll work that way.\n\nChannel 0: Yep.\n\nChannel 1: I I don't mean anything bad for Dana or anything in when I say this, but I was hoping if if you're going to be looking after my super account, then I would prefer that you look after her, Mino's, as well. I do not know if having a different set of eyes will help or not. It's it's it's all wishful thinking, isn't it? But my aim and Mino's aim, they converge at a point. And if that point is known by one person, then it helps a lot is what I believe.\n\nI do not know how you guys see this within the business, but is that possible is the question.\n\nChannel 0: Yeah. I think with most clients, we do discuss strategies as a group to make sure we're all across everything that may\n\nChannel 1: Sure.\n\nChannel 0: be beneficial for people. I think\n\nChannel 1: Mhmm.\n\nChannel 0: it would be a good idea if I look after both yours and Mino's. And that way, we can have those joint retirement discussions, tile\n\nChannel 1: Yes.\n\nChannel 0: that in together, make sure someone understands both situations and the combined situation. How's that sound?\n\nChannel 1: Yes. I prefer that.\n\nChannel 0: Cool. So I'll have a look into that for the time being. When it comes to that appointment on the fifteenth, I will only have enough time to go through the updated portfolio with you, but then we can schedule in a bit of a joint retirement discussion afterwards.\n\nChannel 1: Yes, sir. Yeah. Sure. That will make a lot of sense. Yep.\n\nWe\n\nChannel 0: Yep.\n\nChannel 1: can do\n\nChannel 0: Cool.\n\nChannel 1: that.\n\nChannel 0: So I'll make sure that anything that comes through for me now comes through to me, and we'll have individual conversations if we need to if they're small enough. If we need to do any joint planning for larger goals, we'll have those as joint discussions.\n\nChannel 1: Agreed. Sounds\n\nChannel 0: Perfect.\n\nChannel 1: like a plan.\n\nChannel 0: Alrighty. Is there anything else I can do for you in in the interim between now and that appointment?\n\nChannel 1: Just a question. How is\n\nChannel 0: Yeah.\n\nChannel 1: the HubSpot repur account fairing? As in, how much have I put in? What is the current value? And what is the percentage gain? What is the movement?\n\nChannel 0: We've just jumped up 6% recently. Let me have a look.\n\nChannel 1: Mhmm. So let's say for the last financial year, what are what is the dollar value of my contributions versus what is the market value after all expenses? And how much is it performing?\n\nChannel 0: So let me have a quick look. We've got $135,000 up to $1.63.5 at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: And if I look at a bit of a report here, we've got twelve month report, income, capital growth. Okay. So 10,600 worth of net growth,\n\nChannel 1: Mhmm.\n\nChannel 0: 20,000 worth of net income after fees and premiums, which is your your contributions after tax. So tax came out, premiums came out, contributions have netted to around 20, and there's about 10,000 worth of growth.\n\nChannel 1: Yes. And over what dollar value?\n\nChannel 0: From $1.30 to $1.60, dollar value, 10,600.\n\nChannel 1: Mhmm. What's the denominator there?\n\nChannel 0: That Benelon option is what's brought it down for that year. I've got S and P 500 up 9,000. Gold up 5. Battery tech up three. Realistically,\n\nChannel 1: Sorry.\n\nChannel 0: we\n\nChannel 1: I'm\n\nChannel 0: should\n\nChannel 1: I'm yes. Sorry.\n\nChannel 0: yeah.\n\nChannel 1: Go on.\n\nChannel 0: So I was just gonna say that the aim should be about 15 to 30 is what we're kind of aiming for if we get that 10 to 15% that we're looking for. Sorry. What were you saying?\n\nChannel 1: Yeah. No. What I meant is you've given me two figures, 10,600 and 20,000 something. But\n\nChannel 0: Yep.\n\nChannel 1: is that $20,000 in fees for the year?\n\nChannel 0: Oh, no. Sorry. $20,000 is the the net contributions after tax insurance premiums and fees.\n\nChannel 1: Oh, okay. And\n\nChannel 0: Yep. So, yeah,\n\nChannel 1: yeah.\n\nChannel 0: 30,000\n\nChannel 1: Okay.\n\nChannel 0: go in. You had the 4,000 of premiums come out, 15\n\nChannel 1: Mhmm.\n\nChannel 0: percent super tax, then the hub and the oak view fees, 20\n\nChannel 1: Mhmm.\n\nChannel 0: thousand kind of net contributed, and then 10,600 worth of net growth after investment fees.\n\nChannel 1: Yeah. Okay. Okay. Cool. Cool.\n\nSo are we hitting the target 10 to 15% growth year on year? Are we\n\nChannel 0: Alright.\n\nChannel 1: or\n\nChannel 0: Five year is. Twelve\n\nChannel 1: are\n\nChannel 0: months is is 6%, so\n\nChannel 1: we\n\nChannel 0: a little bit below. But once\n\nChannel 1: not?\n\nChannel 0: we get that Benelon switched out, it'll go back up.\n\nChannel 1: Okay. Alright. Alright. Cool. I look forward to that call then on the fifteenth.\n\nLet's see\n\nChannel 0: Easy\n\nChannel 1: how\n\nChannel 0: Easy done.\n\nChannel 1: everybody have in plan, and we move along.\n\nChannel 0: Awesome. And, Kij, I do wanna say thank you for, one, being frank with me about your concerns. Two, thank you for actually having a a discussion with me without just yelling at all the staff and being rude. I appreciate you being candid and polite. You know, we do get people who get grumpy about their employer putting the wrong thing in the wrong spot and yell at our staff for that, so I wanna thank you for\n\nChannel 1: Yep. Yeah, man. Yelling does not help\n\nChannel 0: that.\n\nChannel 1: anyone. Being rude neither does help anyone. So, yeah, I'm laughing about it ultimately, but there is going to be a point in time where I'll probably put my foot down and say, you know what? I've done I've been laughing about it for quite some time, and no one's probably taking me seriously. But yeah.\n\nIt's\n\nChannel 0: Yeah.\n\nChannel 1: just what it is. I I believe it can take if I were running a business and getting a customer onboard takes eighteen months, I'm not running the right business in the right way, mate. I mean,\n\nChannel 0: Yeah. Realistically, it should be like a couple of weeks kind of thing. And, you know, at most, if there's any issues, like a month. But,\n\nChannel 1: maybe. A month,\n\nChannel 0: yeah,\n\nChannel 1: couple of months because of unknown factors\n\nChannel 0: I'm\n\nChannel 1: like insurance companies. Yeah. I understand. But eighteen\n\nChannel 0: yeah.\n\nChannel 1: months.\n\nChannel 0: That's that's a very uncomfortable experience. So,\n\nChannel 1: Yeah.\n\nChannel 0: look,\n\nChannel 1: Yeah.\n\nChannel 0: I'll do my best for you guys. And if you have\n\nChannel 1: I\n\nChannel 0: to put\n\nChannel 1: appreciate.\n\nChannel 0: your foot down, you do. And in the interim, I'll just keep doing what I'm doing.\n\nChannel 1: Oh, no worries, mate. I I appreciate that, and that's what I'm hoping for. Now that I'm speaking to a senior adviser, I'm sure that I I'm I mean, we can work together to to reach whatever goals or achieve whatever goals we can together. Yeah.\n\nChannel 0: Yeah. I look\n\nChannel 1: Cool.\n\nChannel 0: forward to it, mate.\n\nChannel 1: Cool. Oh, me too, mate. Thank you very much.\n\nChannel 0: That's alright, Kij. Thank you again, and I'll talk to you in a couple of weeks.\n\nChannel 1: Yes, mate. Cheers. Thank you very much. Thanks for the call.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Hey, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.03091162815690041}],"sentiment":"neutral","sentiment_score":0.03091162815690041,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Good afternoon, kids.","start":3.1999998,"end":4.24,"sentiment":"neutral","sentiment_score":0.22071442008018494},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":4.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.1181431245058775},{"text":"How are you doing?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.11677959375083447}],"sentiment":"neutral","sentiment_score":0.13829377541939417,"channel":0,"num_words":15,"start":3.1999998,"end":7.7},{"sentences":[{"text":"I'm doing good, Tommy.","start":8.48,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5377371981739998},{"text":"Thanks for the call.","start":9.5199995,"end":10.24,"sentiment":"positive","sentiment_score":0.6688951104879379},{"text":"How are you?","start":10.24,"end":11.059999,"sentiment":"neutral","sentiment_score":0.2931618889172872}],"sentiment":"positive","sentiment_score":0.5187286273999647,"channel":1,"num_words":11,"start":8.48,"end":11.059999},{"sentences":[{"text":"Mate, I'm doing fantastic.","start":11.36,"end":12.66,"sentiment":"positive","sentiment_score":0.6575717031955719},{"text":"It's a beautiful cool week on the Gold Coast.","start":12.719999,"end":14.88,"sentiment":"positive","sentiment_score":0.6800563335418701},{"text":"What about your end?","start":14.88,"end":15.645,"sentiment":"neutral","sentiment_score":0.15416472405195236}],"sentiment":"positive","sentiment_score":0.5510266300509957,"channel":0,"num_words":17,"start":11.36,"end":15.645},{"sentences":[{"text":"Oh, it was a perfect spring day, twenty two in 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and","start":858.06,"end":864.94,"sentiment":"neutral","sentiment_score":0.005647176255782445}],"sentiment":"neutral","sentiment_score":0.005647176255782445,"channel":1,"num_words":6,"start":858.06,"end":864.94},{"sentences":[{"text":"That's","start":864.755,"end":864.995,"sentiment":"neutral","sentiment_score":0.04299524426460266}],"sentiment":"neutral","sentiment_score":0.04299524426460266,"channel":0,"num_words":1,"start":864.755,"end":864.995},{"sentences":[{"text":"mortgage","start":864.94,"end":865.33997,"sentiment":"neutral","sentiment_score":0.05750155076384544}],"sentiment":"neutral","sentiment_score":0.05750155076384544,"channel":1,"num_words":1,"start":864.94,"end":865.33997},{"sentences":[{"text":"what I'm","start":864.995,"end":865.65497,"sentiment":"neutral","sentiment_score":0.06779830157756805}],"sentiment":"neutral","sentiment_score":0.06779830157756805,"channel":0,"num_words":2,"start":864.995,"end":865.65497},{"sentences":[{"text":"is paid, I'm well, you you tell me if it is enough.","start":865.33997,"end":868.8,"sentiment":"neutral","sentiment_score":0.08279709269603093}],"sentiment":"neutral","sentiment_score":0.08279709269603093,"channel":1,"num_words":12,"start":865.33997,"end":868.8},{"sentences":[{"text":"thinking.","start":868.915,"end":869.415,"sentiment":"neutral","sentiment_score":0.02930474281311035}],"sentiment":"neutral","sentiment_score":0.02930474281311035,"channel":0,"num_words":1,"start":868.915,"end":869.415},{"sentences":[{"text":"Let's say I'm going to live till 80.","start":869.065,"end":871.005,"sentiment":"neutral","sentiment_score":0.0527974811848253}],"sentiment":"neutral","sentiment_score":0.0527974811848253,"channel":1,"num_words":8,"start":869.065,"end":871.005},{"sentences":[{"text":"Perfect.","start":872.355,"end":872.855,"sentiment":"positive","sentiment_score":0.45431873202323914},{"text":"So the government standards, they do a bit of a retirement standards where they say a couple should have around about 78,000, which is around about that amount.","start":873.15497,"end":882.46,"sentiment":"neutral","sentiment_score":0.153131490573287},{"text":"That's before having a mortgage paid off, and you do have an investment property, don't you?","start":883.24,"end":887.34,"sentiment":"neutral","sentiment_score":0.0498869230505079}],"sentiment":"neutral","sentiment_score":0.12311536081963115,"channel":0,"num_words":45,"start":872.355,"end":887.34},{"sentences":[{"text":"Yes.","start":887.77,"end":888.27,"sentiment":"neutral","sentiment_score":0.04891879856586456}],"sentiment":"neutral","sentiment_score":0.04891879856586456,"channel":1,"num_words":1,"start":887.77,"end":888.27},{"sentences":[{"text":"K.","start":888.68,"end":888.92,"sentiment":"neutral","sentiment_score":0.02047653496265411},{"text":"But that one's gonna be sold?","start":888.92,"end":890.325,"sentiment":"neutral","sentiment_score":0.011420841484020153}],"sentiment":"neutral","sentiment_score":0.012714511980967862,"channel":0,"num_words":7,"start":888.68,"end":890.325},{"sentences":[{"text":"Yes.","start":891.05,"end":891.55,"sentiment":"neutral","sentiment_score":0.06431236863136292},{"text":"But it won't get sold this year, but, yes, it will get sold soon.","start":891.77,"end":895.31,"sentiment":"neutral","sentiment_score":0.05701191696737494}],"sentiment":"neutral","sentiment_score":0.057498613744974135,"channel":1,"num_words":15,"start":891.05,"end":895.31},{"sentences":[{"text":"K.","start":895.925,"end":896.425,"sentiment":"neutral","sentiment_score":0.02565990388393402},{"text":"Just briefly, once that gets sold, what's the intention there?","start":896.565,"end":900.085,"sentiment":"neutral","sentiment_score":0.009161755139939488},{"text":"Is that to just pay off the mortgage, get another place?","start":900.085,"end":902.58,"sentiment":"neutral","sentiment_score":-0.04104658724232153},{"text":"What's the thinking there?","start":902.74,"end":907.16003,"sentiment":"neutral","sentiment_score":-0.02631706278771162}],"sentiment":"neutral","sentiment_score":-0.016903971366655942,"channel":0,"num_words":26,"start":895.925,"end":907.16003},{"sentences":[{"text":"Once it is sold, focus the money that I save now, it's it's a lot of money that we're paying because of the interest rates.","start":906.72504,"end":914.265,"sentiment":"neutral","sentiment_score":0.05826511651277542},{"text":"So","start":914.48004,"end":914.88,"sentiment":"neutral","sentiment_score":0.07756662368774414}],"sentiment":"neutral","sentiment_score":0.05900748217335114,"channel":1,"num_words":26,"start":906.72504,"end":914.88},{"sentences":[{"text":"Yes.","start":914.74,"end":915.045,"sentiment":"neutral","sentiment_score":0.14313292503356934}],"sentiment":"neutral","sentiment_score":0.14313292503356934,"channel":0,"num_words":1,"start":914.74,"end":915.045},{"sentences":[{"text":"everything that paid is going to go towards","start":914.88,"end":916.74005,"sentiment":"neutral","sentiment_score":0.1822446994483471}],"sentiment":"neutral","sentiment_score":0.1822446994483471,"channel":1,"num_words":8,"start":914.88,"end":916.74005},{"sentences":[{"text":"Yep.","start":917.925,"end":918.425,"sentiment":"neutral","sentiment_score":0.1316160261631012},{"text":"And when you say that, that means pay off the mortgage, maximize your contributions,","start":919.125,"end":922.985,"sentiment":"neutral","sentiment_score":0.11500275773661477}],"sentiment":"neutral","sentiment_score":0.1161103089650472,"channel":0,"num_words":15,"start":917.925,"end":922.985},{"sentences":[{"text":"retirement.","start":923.28,"end":923.78,"sentiment":"neutral","sentiment_score":0.08916351199150085}],"sentiment":"neutral","sentiment_score":0.08916351199150085,"channel":1,"num_words":1,"start":923.28,"end":923.78},{"sentences":[{"text":"all that kind of thing.","start":923.285,"end":924.505,"sentiment":"neutral","sentiment_score":0.05749610960483551}],"sentiment":"neutral","sentiment_score":0.05749610960483551,"channel":0,"num_words":5,"start":923.285,"end":924.505},{"sentences":[{"text":"Yes.","start":924.48004,"end":924.98004,"sentiment":"neutral","sentiment_score":0.17917609214782715},{"text":"Yes.","start":925.12,"end":925.60004,"sentiment":"neutral","sentiment_score":0.23748603463172913},{"text":"Precisely.","start":925.60004,"end":926.10004,"sentiment":"positive","sentiment_score":0.45319807529449463}],"sentiment":"neutral","sentiment_score":0.2899534006913503,"channel":1,"num_words":3,"start":924.48004,"end":926.10004},{"sentences":[{"text":"Perfect.","start":926.96497,"end":927.365,"sentiment":"positive","sentiment_score":0.6320552825927734},{"text":"So what I'll do is when we update the portfolio for your hub 24, I'll include the updated projections, and we'll factor in those maximum contributions, see how that looks.","start":927.365,"end":939.915,"sentiment":"neutral","sentiment_score":0.2360276406009992},{"text":"Just bear in mind, this financial year, it's 32,500 combined.","start":940.475,"end":944.01495,"sentiment":"neutral","sentiment_score":0.09727284833788871},{"text":"They've increased the cap a little bit this financial 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pulled aside to AVE, pay off the mortgage, but also as a bit of an emergency fund?","start":954.315,"end":961.52,"sentiment":"neutral","sentiment_score":0.054218469542406854}],"sentiment":"neutral","sentiment_score":0.06046764330110616,"channel":0,"num_words":36,"start":948.555,"end":961.52},{"sentences":[{"text":"The savings, I do not remember what number you have.","start":964.055,"end":967.515,"sentiment":"neutral","sentiment_score":-0.10907088592648506}],"sentiment":"neutral","sentiment_score":-0.10907088592648506,"channel":1,"num_words":10,"start":964.055,"end":967.515},{"sentences":[{"text":"I think we had about 70,000.","start":967.66003,"end":969.34,"sentiment":"neutral","sentiment_score":-0.07936384404699008},{"text":"That might be a bit old.","start":969.34,"end":970.365,"sentiment":"neutral","sentiment_score":-0.23968635747830072}],"sentiment":"neutral","sentiment_score":-0.1595251007626454,"channel":0,"num_words":12,"start":967.66003,"end":970.365},{"sentences":[{"text":"That's quite old, mate.","start":971.3,"end":972.42,"sentiment":"neutral","sentiment_score":-0.2914537042379379},{"text":"Yep.","start":972.42,"end":972.92,"sentiment":"neutral","sentiment_score":-0.04127168655395508},{"text":"So that 70 is gone now.","start":972.98,"end":977.72,"sentiment":"neutral","sentiment_score":-0.12987744684020677},{"text":"So, yeah, you can just mark it as zero.","start":979.62,"end":982.98,"sentiment":"neutral","sentiment_score":-0.038982810659541026},{"text":"We don't have any savings anymore.","start":982.98,"end":984.52,"sentiment":"neutral","sentiment_score":-0.21715320398410162}],"sentiment":"neutral","sentiment_score":-0.14000445016874716,"channel":1,"num_words":26,"start":971.3,"end":984.52},{"sentences":[{"text":"Yep.","start":984.845,"end":985.345,"sentiment":"neutral","sentiment_score":0.039460185915231705},{"text":"So that also crosses out the idea of doing some investing for the time being.","start":986.02,"end":990.74,"sentiment":"neutral","sentiment_score":0.09660539180040359},{"text":"There's no point trying to throw $50,000 into a managed fund account to 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the mortgage.","start":996.18,"end":998.74,"sentiment":"neutral","sentiment_score":-0.09651634326347938},{"text":"Does that sound right?","start":998.74,"end":999.72003,"sentiment":"neutral","sentiment_score":0.002543897368013859}],"sentiment":"neutral","sentiment_score":-0.07320805135018685,"channel":0,"num_words":17,"start":996.18,"end":999.72003},{"sentences":[{"text":"Yeah.","start":999.965,"end":1000.465,"sentiment":"neutral","sentiment_score":0.0216055940836668},{"text":"That was what we wanted, but life closed closed the curve ball every now and then.","start":1001.02,"end":1006.16,"sentiment":"neutral","sentiment_score":-0.020874824607744813},{"text":"Yep.","start":1006.54,"end":1007.04,"sentiment":"neutral","sentiment_score":0.12024904787540436}],"sentiment":"neutral","sentiment_score":-0.010674586209158102,"channel":1,"num_words":18,"start":999.965,"end":1007.04},{"sentences":[{"text":"Sure 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goal.","start":1010.075,"end":1022.46,"sentiment":"neutral","sentiment_score":0.1668916962256557},{"text":"And are you wanting me to make sure that we can try and get there by age 60, like, as early as possible, or are you okay to go a few extra years?","start":1022.46,"end":1029.475,"sentiment":"neutral","sentiment_score":0.02649231706604813}],"sentiment":"neutral","sentiment_score":0.10102309130534932,"channel":0,"num_words":74,"start":1009.115,"end":1029.475},{"sentences":[{"text":"If it's required, yeah.","start":1030.8401,"end":1032.62,"sentiment":"neutral","sentiment_score":-0.045954219065606594},{"text":"But we don't, yeah, don't intend to go beyond 60 currently.","start":1032.92,"end":1036.8601,"sentiment":"neutral","sentiment_score":-0.10135988620194522}],"sentiment":"neutral","sentiment_score":-0.08658504163225492,"channel":1,"num_words":15,"start":1030.8401,"end":1036.8601},{"sentences":[{"text":"Yep.","start":1036.815,"end":1037.2949,"sentiment":"neutral","sentiment_score":0.05580637976527214},{"text":"So intention is 60 if possible.","start":1037.2949,"end":1039.3949,"sentiment":"neutral","sentiment_score":0.026426522061228752},{"text":"And if you have to work one or two extra years, you will do so only if 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good.","start":1046.795,"end":1047.535,"sentiment":"positive","sentiment_score":0.43190230429172516}],"sentiment":"positive","sentiment_score":0.43190230429172516,"channel":1,"num_words":2,"start":1046.795,"end":1047.535},{"sentences":[{"text":"And you're still senior banner sorry, senior business analyst for Shell Energy at the moment?","start":1048.73,"end":1053.875,"sentiment":"neutral","sentiment_score":0.034055730203787486}],"sentiment":"neutral","sentiment_score":0.034055730203787486,"channel":0,"num_words":15,"start":1048.73,"end":1053.875},{"sentences":[{"text":"Yes.","start":1054.31,"end":1054.63,"sentiment":"neutral","sentiment_score":0.04264326021075249},{"text":"That's correct.","start":1054.63,"end":1055.29,"sentiment":"neutral","sentiment_score":0.0634722001850605}],"sentiment":"neutral","sentiment_score":0.056529220193624496,"channel":1,"num_words":3,"start":1054.31,"end":1055.29},{"sentences":[{"text":"We've just hit end of financial 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$6.92.","start":1102.83,"end":1108.85,"sentiment":"neutral","sentiment_score":0.04891231143847108},{"text":"Do you want it to the do you want to know it till the exact same?","start":1109.5499,"end":1113.09,"sentiment":"neutral","sentiment_score":0.004420169978402555}],"sentiment":"neutral","sentiment_score":0.019250883798425395,"channel":1,"num_words":24,"start":1102.83,"end":1113.09},{"sentences":[{"text":"No.","start":1113.805,"end":1114.125,"sentiment":"neutral","sentiment_score":-0.05258947238326073},{"text":"That's fine.","start":1114.125,"end":1114.685,"sentiment":"neutral","sentiment_score":0.019750047475099564},{"text":"Rough round figures is okay.","start":1114.685,"end":1116.305,"sentiment":"neutral","sentiment_score":-0.03917302712798119}],"sentiment":"neutral","sentiment_score":-0.02611931413412094,"channel":0,"num_words":8,"start":1113.805,"end":1116.305},{"sentences":[{"text":"Then 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evaluation.","start":1155.08,"end":1157.34,"sentiment":"neutral","sentiment_score":0.042232828214764595},{"text":"The only owner occupier, they're they're saying about 827,000, but what would you say for the main residence?","start":1157.72,"end":1164.7,"sentiment":"neutral","sentiment_score":-0.018038616250527814}],"sentiment":"neutral","sentiment_score":0.0054459447390399875,"channel":0,"num_words":30,"start":1153.08,"end":1164.7},{"sentences":[{"text":"For the main residency, I got it valued for my loan last November.","start":1165.75,"end":1169.85,"sentiment":"neutral","sentiment_score":-0.026811448570627432},{"text":"But since then, the prices the market's fallen 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disappeared.","start":1338.655,"end":1340.755,"sentiment":"negative","sentiment_score":-0.5736980438232422},{"text":"Everyone's there's a lot of fear in the market at the moment, and it may continue on for the rest of the year until","start":1340.815,"end":1347.0399,"sentiment":"negative","sentiment_score":-0.5586583415667216}],"sentiment":"negative","sentiment_score":-0.5555850305864888,"channel":0,"num_words":31,"start":1337.855,"end":1347.0399},{"sentences":[{"text":"Exactly.","start":1346.795,"end":1347.295,"sentiment":"neutral","sentiment_score":-0.28018760681152344}],"sentiment":"neutral","sentiment_score":-0.28018760681152344,"channel":1,"num_words":1,"start":1346.795,"end":1347.295},{"sentences":[{"text":"people start dipping their toe back in.","start":1347.0399,"end":1349.2,"sentiment":"negative","sentiment_score":-0.45397983704294476},{"text":"Right?","start":1349.2,"end":1349.7,"sentiment":"neutral","sentiment_score":-0.2268267571926117}],"sentiment":"negative","sentiment_score":-0.42558570206165314,"channel":0,"num_words":8,"start":1347.0399,"end":1349.7},{"sentences":[{"text":"Exactly.","start":1349.995,"end":1350.495,"sentiment":"neutral","sentiment_score":-0.3223864734172821},{"text":"And that is what's actually hurting us.","start":1350.795,"end":1353.3401,"sentiment":"negative","sentiment_score":-0.6422072010380881},{"text":"That is the exact thing we started this 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hardly","start":1357.9601,"end":1364.36,"sentiment":"neutral","sentiment_score":-0.12213050853461027}],"sentiment":"neutral","sentiment_score":-0.12213050853461027,"channel":1,"num_words":16,"start":1357.9601,"end":1364.36},{"sentences":[{"text":"Wow.","start":1364.045,"end":1364.545,"sentiment":"neutral","sentiment_score":-0.10220561921596528}],"sentiment":"neutral","sentiment_score":-0.10220561921596528,"channel":0,"num_words":1,"start":1364.045,"end":1364.545},{"sentences":[{"text":"had any walk ins.","start":1364.36,"end":1365.3201,"sentiment":"neutral","sentiment_score":-0.14356499537825584},{"text":"Yeah.","start":1365.3201,"end":1365.8201,"sentiment":"neutral","sentiment_score":-0.0658307746052742}],"sentiment":"neutral","sentiment_score":-0.1280181512236595,"channel":1,"num_words":5,"start":1364.36,"end":1365.8201},{"sentences":[{"text":"Okay.","start":1367.245,"end":1367.745,"sentiment":"neutral","sentiment_score":-0.07183288037776947},{"text":"So I think your site has been affected quite heavily too, and especially your area as well compared to some.","start":1367.805,"end":1373.83,"sentiment":"negative","sentiment_score":-0.3401578992605209}],"sentiment":"neutral","sentiment_score":-0.32738051740896135,"channel":0,"num_words":21,"start":1367.245,"end":1373.83},{"sentences":[{"text":"Yep.","start":1374.295,"end":1374.795,"sentiment":"neutral","sentiment_score":-0.08492179214954376}],"sentiment":"neutral","sentiment_score":-0.08492179214954376,"channel":1,"num_words":1,"start":1374.295,"end":1374.795},{"sentences":[{"text":"I would just hazard just a bit of patience on it.","start":1375.09,"end":1377.41,"sentiment":"neutral","sentiment_score":-0.23268651420419867},{"text":"I I know it's painful, but these things do tend to kind of even out over time.","start":1377.41,"end":1382.13,"sentiment":"neutral","sentiment_score":-0.2535884818610023},{"text":"That's, you know, the market's 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you're going in the right direction with it.","start":1392.8151,"end":1397.94,"sentiment":"neutral","sentiment_score":0.020868046503317982},{"text":"It just may not come to fruition until next year.","start":1398.1799,"end":1401.1599,"sentiment":"negative","sentiment_score":-0.3926878973841667}],"sentiment":"neutral","sentiment_score":-0.17184713820241532,"channel":0,"num_words":53,"start":1387.935,"end":1401.1599},{"sentences":[{"text":"Yeah.","start":1401.5249,"end":1401.765,"sentiment":"neutral","sentiment_score":0.08787958323955536},{"text":"Exactly.","start":1401.765,"end":1402.265,"sentiment":"neutral","sentiment_score":0.1262485682964325},{"text":"But it is it is, it is up for sale.","start":1402.4049,"end":1406.325,"sentiment":"neutral","sentiment_score":0.14955889955163001},{"text":"There's no doubt about it.","start":1406.325,"end":1407.6849,"sentiment":"neutral","sentiment_score":0.08713446706533431},{"text":"I've tried to put it give it to an agency that does off market sales also.","start":1407.6849,"end":1413.23,"sentiment":"neutral","sentiment_score":0.11008866410702467}],"sentiment":"neutral","sentiment_score":0.1183881244876168,"channel":1,"num_words":33,"start":1401.5249,"end":1413.23},{"sentences":[{"text":"So it is I'm already in the period of that exclusive authority as we speak.","start":1413.23,"end":1418.21,"sentiment":"neutral","sentiment_score":0.10859920432170232},{"text":"So if it gets sold, it gets sold.","start":1418.4299,"end":1421.3899,"sentiment":"neutral","sentiment_score":0.186855711042881},{"text":"It's up in the market right now","start":1421.3899,"end":1423.205,"sentiment":"neutral","sentiment_score":0.21823692960398539}],"sentiment":"neutral","sentiment_score":0.15504974201321603,"channel":1,"num_words":30,"start":1413.23,"end":1423.205},{"sentences":[{"text":"Yep.","start":1423.005,"end":1423.505,"sentiment":"neutral","sentiment_score":0.1782301366329193}],"sentiment":"neutral","sentiment_score":0.1782301366329193,"channel":0,"num_words":1,"start":1423.005,"end":1423.505},{"sentences":[{"text":"straight 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a note on file about the properties.","start":1425.76,"end":1427.4401,"sentiment":"neutral","sentiment_score":0.17493226006627083},{"text":"We'll keep an eye on those.","start":1427.4401,"end":1428.74,"sentiment":"neutral","sentiment_score":0.17088188976049423},{"text":"With the reduction of the insurances that you did earlier in the year, you haven't had too much of a change in debt levels, income levels, anything like that.","start":1429.68,"end":1438.56,"sentiment":"neutral","sentiment_score":0.03895712322716055},{"text":"So just double checking with you, the 1,500,000 for life insurance, disability insurance, do you still feel that's okay at the moment?","start":1438.56,"end":1446.3251,"sentiment":"neutral","sentiment_score":0.07635859958827496}],"sentiment":"neutral","sentiment_score":0.08052915667112057,"channel":0,"num_words":65,"start":1425.76,"end":1446.3251},{"sentences":[{"text":"Mhmm.","start":1446.14,"end":1446.64,"sentiment":"neutral","sentiment_score":-0.006272015627473593},{"text":"Yeah.","start":1446.7001,"end":1447.1001,"sentiment":"neutral","sentiment_score":0.005299942567944527},{"text":"Yeah.","start":1447.1001,"end":1447.42,"sentiment":"neutral","sentiment_score":0.0024947207421064377},{"text":"I think so.","start":1447.42,"end":1448.2401,"sentiment":"neutral","sentiment_score":-0.01605364183584849},{"text":"I think what we were at earlier was 1.7 or 1.8 or something of that 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it.","start":1462.33,"end":1467.1499,"sentiment":"neutral","sentiment_score":-0.22135983063624456},{"text":"So with the increasing cost of living and the rates and everything, I just thought, you know what?","start":1467.21,"end":1475.145,"sentiment":"neutral","sentiment_score":-0.1945139484273063},{"text":"I think I'm just under the 1.5 now, so I'll","start":1475.225,"end":1478.185,"sentiment":"neutral","sentiment_score":-0.09946846291422844}],"sentiment":"neutral","sentiment_score":-0.17015512034578142,"channel":1,"num_words":53,"start":1457.355,"end":1478.185},{"sentences":[{"text":"Yep.","start":1478.175,"end":1478.52,"sentiment":"neutral","sentiment_score":-0.051354896277189255}],"sentiment":"neutral","sentiment_score":-0.051354896277189255,"channel":0,"num_words":1,"start":1478.175,"end":1478.52},{"sentences":[{"text":"cover myself with 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what that basically points to is those underperforming investment options that are in there, mainly the option.","start":1806.475,"end":1814.975,"sentiment":"neutral","sentiment_score":-0.3157832183335957},{"text":"We have to replace those with some better options to get it back up to the double digit returns","start":1815.75,"end":1820.25,"sentiment":"neutral","sentiment_score":-0.10429855749795311}],"sentiment":"neutral","sentiment_score":-0.21004088791577438,"channel":0,"num_words":38,"start":1806.475,"end":1820.25},{"sentences":[{"text":"Yep.","start":1820.8151,"end":1821.3151,"sentiment":"neutral","sentiment_score":0.12494558095932008}],"sentiment":"neutral","sentiment_score":0.12494558095932008,"channel":1,"num_words":1,"start":1820.8151,"end":1821.3151},{"sentences":[{"text":"because it should be doing at least 9% on average.","start":1821.43,"end":1825.05,"sentiment":"neutral","sentiment_score":0.08413719087839126},{"text":"And the portfolio that we do have where we have 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VINEC","start":2089.92,"end":2092.56,"sentiment":"neutral","sentiment_score":0.04797533852979541}],"sentiment":"neutral","sentiment_score":0.17230036449821098,"channel":0,"num_words":23,"start":2084.055,"end":2092.56},{"sentences":[{"text":"Yep.","start":2092.5,"end":2093.0,"sentiment":"neutral","sentiment_score":0.0347357839345932}],"sentiment":"neutral","sentiment_score":0.0347357839345932,"channel":1,"num_words":1,"start":2092.5,"end":2093.0},{"sentences":[{"text":"property.","start":2092.56,"end":2093.06,"sentiment":"neutral","sentiment_score":0.003050103783607483},{"text":"A bit strange, but in Australia, obviously, property is one of the the go tos long term for the best returns.","start":2094.3198,"end":2100.26,"sentiment":"neutral","sentiment_score":-0.07579368654461134},{"text":"But these property funds are actually tracking property companies.","start":2100.8,"end":2104.5798,"sentiment":"neutral","sentiment_score":-0.3299907412793901},{"text":"And since the government came out with the CGT changes and negative gearing, those companies have taken a quite a large hit in their values even though","start":2105.725,"end":2115.9849,"sentiment":"negative","sentiment_score":-0.4967881562533202}],"sentiment":"neutral","sentiment_score":-0.30985886558633424,"channel":0,"num_words":58,"start":2092.56,"end":2115.9849},{"sentences":[{"text":"Mhmm.","start":2115.56,"end":2116.06,"sentiment":"negative","sentiment_score":-0.3664964437484741}],"sentiment":"negative","sentiment_score":-0.3664964437484741,"channel":1,"num_words":1,"start":2115.56,"end":2116.06},{"sentences":[{"text":"property market still, generally speaking, has been quite high for the last three to five 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of a self managed super fund, which they've just banned, I do have to get you out of that option because the the property companies themselves, there's a lot of insolvencies","start":2123.48,"end":2132.54,"sentiment":"neutral","sentiment_score":-0.3236156986095011}],"sentiment":"neutral","sentiment_score":-0.3236156986095011,"channel":0,"num_words":32,"start":2123.48,"end":2132.54},{"sentences":[{"text":"Sure.","start":2134.9148,"end":2135.4148,"sentiment":"neutral","sentiment_score":-0.08143496513366699},{"text":"Okay.","start":2135.7148,"end":2136.2148,"sentiment":"neutral","sentiment_score":-0.05355815961956978},{"text":"So that's $6.03 $39.","start":2136.6748,"end":2138.775,"sentiment":"neutral","sentiment_score":0.020419016480445862},{"text":"I do not see how much I've invested, as in how much is the loss on that.","start":2139.795,"end":2143.68,"sentiment":"neutral","sentiment_score":-0.22337918772416956}],"sentiment":"neutral","sentiment_score":-0.1674244891366233,"channel":1,"num_words":23,"start":2134.9148,"end":2143.68},{"sentences":[{"text":"on at the moment.","start":2144.2852,"end":2144.685,"sentiment":"neutral","sentiment_score":-0.0440951706841588},{"text":"It's only 300.","start":2144.685,"end":2145.905,"sentiment":"neutral","sentiment_score":0.05710926093161106}],"sentiment":"neutral","sentiment_score":-0.0007218428488288607,"channel":0,"num_words":7,"start":2144.2852,"end":2145.905},{"sentences":[{"text":"That's good.","start":2146.72,"end":2147.3599,"sentiment":"positive","sentiment_score":0.5488598942756653},{"text":"Okay.","start":2147.3599,"end":2147.5999,"sentiment":"neutral","sentiment_score":0.1117393672466278},{"text":"So MVA,","start":2147.5999,"end":2148.5,"sentiment":"neutral","sentiment_score":0.07193293422460556}],"sentiment":"neutral","sentiment_score":0.2706650048494339,"channel":1,"num_words":5,"start":2146.72,"end":2148.5},{"sentences":[{"text":"Yep.","start":2148.205,"end":2148.42,"sentiment":"neutral","sentiment_score":0.06963685154914856}],"sentiment":"neutral","sentiment_score":0.06963685154914856,"channel":0,"num_words":1,"start":2148.205,"end":2148.42},{"sentences":[{"text":"when when I property is is something that will divest.","start":2148.6401,"end":2153.04,"sentiment":"neutral","sentiment_score":0.049700575321912764},{"text":"And BHYB, how much is that valued at?","start":2153.04,"end":2155.92,"sentiment":"neutral","sentiment_score":0.029552152613177896},{"text":"It's $141.52, but how much have","start":2155.92,"end":2158.775,"sentiment":"neutral","sentiment_score":0.009273120823005835}],"sentiment":"neutral","sentiment_score":0.03287757079427441,"channel":1,"num_words":24,"start":2148.6401,"end":2158.775},{"sentences":[{"text":"You invested $1,419.03.","start":2160.8198,"end":2165.7048,"sentiment":"neutral","sentiment_score":0.009221142468353113}],"sentiment":"neutral","sentiment_score":0.009221142468353113,"channel":0,"num_words":3,"start":2160.8198,"end":2165.7048},{"sentences":[{"text":"I invested?","start":2163.875,"end":2166.275,"sentiment":"neutral","sentiment_score":0.0007462943904101849},{"text":"Oh, just $40 here and there.","start":2166.275,"end":2168.135,"sentiment":"neutral","sentiment_score":0.018541577427337568}],"sentiment":"neutral","sentiment_score":0.014092756668105721,"channel":1,"num_words":8,"start":2163.875,"end":2168.135},{"sentences":[{"text":"Yeah.","start":2168.565,"end":2169.065,"sentiment":"neutral","sentiment_score":0.07305486500263214}],"sentiment":"neutral","sentiment_score":0.07305486500263214,"channel":0,"num_words":1,"start":2168.565,"end":2169.065},{"sentences":[{"text":"Yeah.","start":2169.395,"end":2169.635,"sentiment":"neutral","sentiment_score":0.09754678606987},{"text":"Okay.","start":2169.635,"end":2169.9548,"sentiment":"neutral","sentiment_score":0.17933548986911774},{"text":"Cool.","start":2169.9548,"end":2170.32,"sentiment":"neutral","sentiment_score":0.3033154606819153},{"text":"So those are the two that you recommend to be die divested and then use that 20,000 to invest in something 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also","start":2182.94,"end":2186.3801,"sentiment":"neutral","sentiment_score":0.11565808206796646}],"sentiment":"neutral","sentiment_score":0.11565808206796646,"channel":0,"num_words":12,"start":2182.94,"end":2186.3801},{"sentences":[{"text":"Mhmm.","start":2186.355,"end":2186.855,"sentiment":"neutral","sentiment_score":0.06396491825580597}],"sentiment":"neutral","sentiment_score":0.06396491825580597,"channel":1,"num_words":1,"start":2186.355,"end":2186.855},{"sentences":[{"text":"wanna make sure that it's not too high in Australian equities because that 25% that you saw, 25 is okay.","start":2186.3801,"end":2195.1648,"sentiment":"neutral","sentiment_score":0.056068254821002486},{"text":"We might go","start":2195.1648,"end":2195.7249,"sentiment":"neutral","sentiment_score":0.08170896520217259}],"sentiment":"neutral","sentiment_score":0.05941269530550293,"channel":0,"num_words":23,"start":2186.3801,"end":2195.7249},{"sentences":[{"text":"Mhmm.","start":2195.49,"end":2195.99,"sentiment":"neutral","sentiment_score":0.06637892127037048}],"sentiment":"neutral","sentiment_score":0.06637892127037048,"channel":1,"num_words":1,"start":2195.49,"end":2195.99},{"sentences":[{"text":"a little bit lower, but I'll I'll have a little look.","start":2195.7249,"end":2198.045,"sentiment":"neutral","sentiment_score":0.052464758130637085},{"text":"But I don't wanna put in $30.40 percent into that because the international side is what's growing a lot stronger.","start":2198.045,"end":2203.825,"sentiment":"neutral","sentiment_score":-0.038219059631228444}],"sentiment":"neutral","sentiment_score":-0.00604093074798584,"channel":0,"num_words":31,"start":2195.7249,"end":2203.825},{"sentences":[{"text":"Mhmm.","start":2204.93,"end":2205.43,"sentiment":"neutral","sentiment_score":0.03298962861299515},{"text":"Okay.","start":2205.65,"end":2206.15,"sentiment":"neutral","sentiment_score":0.05952324718236923}],"sentiment":"neutral","sentiment_score":0.04625643789768219,"channel":1,"num_words":2,"start":2204.93,"end":2206.15},{"sentences":[{"text":"Now to kind of guide me a little bit, you've kind of already had the conversation previously with Kyle, but just give me a gut feeling on this one.","start":2207.24,"end":2215.02,"sentiment":"neutral","sentiment_score":0.056323212924702416},{"text":"Bennelong is an active fund manager, pay high fees, try and get a high return.","start":2216.28,"end":2221.0,"sentiment":"neutral","sentiment_score":0.028433396915594735},{"text":"They have essentially failed at that mandate, and we don't believe that they will increase again.","start":2221.0,"end":2226.4949,"sentiment":"neutral","sentiment_score":-0.22407773230224848},{"text":"Now the replacement options, Hub twenty four has the most options in the entire country, and there's 1,300 there.","start":2227.115,"end":2235.515,"sentiment":"neutral","sentiment_score":0.1492455213477737},{"text":"It's the biggest 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have another act active fund manager that I've researched with the investment committee, which we have put Mina Lynn, which is Alfiniti, and it has been outperforming the Aussie market over one, three, five, and ten years.","start":2254.855,"end":2267.9949,"sentiment":"neutral","sentiment_score":0.18480310383203782},{"text":"So I can do the same investment option that she has to try and outperform the market, or I can go a little bit lower fee with yours.","start":2268.3,"end":2276.08,"sentiment":"neutral","sentiment_score":0.2915229749466692}],"sentiment":"neutral","sentiment_score":0.2300782006685481,"channel":0,"num_words":66,"start":2254.855,"end":2276.08},{"sentences":[{"text":"Okay.","start":2277.685,"end":2278.165,"sentiment":"neutral","sentiment_score":0.16913747787475586},{"text":"And with the few with the free style on the one that you're recommending with Meehl, how the fees are the same as Benelung or less?","start":2278.165,"end":2286.51,"sentiment":"neutral","sentiment_score":0.162795495815002}],"sentiment":"neutral","sentiment_score":0.16303038403943734,"channel":1,"num_words":27,"start":2277.685,"end":2286.51},{"sentences":[{"text":"10% less than Venmo.","start":2287.595,"end":2289.135,"sentiment":"neutral","sentiment_score":0.08458857610821724}],"sentiment":"neutral","sentiment_score":0.08458857610821724,"channel":0,"num_words":4,"start":2287.595,"end":2289.135},{"sentences":[{"text":"Okay.","start":2289.6902,"end":2290.1902,"sentiment":"neutral","sentiment_score":0.07902728021144867},{"text":"How much have I lost in Benelung right now?","start":2290.4102,"end":2292.49,"sentiment":"neutral","sentiment_score":0.05729858618643549},{"text":"How much of a loss does it show in Benelung?","start":2292.49,"end":2294.27,"sentiment":"neutral","sentiment_score":0.029057039879262447}],"sentiment":"neutral","sentiment_score":0.04426424773409963,"channel":1,"num_words":20,"start":2289.6902,"end":2294.27},{"sentences":[{"text":"3,400.","start":2295.08,"end":2296.54,"sentiment":"neutral","sentiment_score":0.031234046444296837},{"text":"So","start":2296.68,"end":2297.18,"sentiment":"neutral","sentiment_score":0.0492059551179409}],"sentiment":"neutral","sentiment_score":0.04022000078111887,"channel":0,"num_words":2,"start":2295.08,"end":2297.18},{"sentences":[{"text":"Okay.","start":2297.125,"end":2297.625,"sentiment":"neutral","sentiment_score":0.06948664039373398}],"sentiment":"neutral","sentiment_score":0.06948664039373398,"channel":1,"num_words":1,"start":2297.125,"end":2297.625},{"sentences":[{"text":"any","start":2297.48,"end":2297.98,"sentiment":"neutral","sentiment_score":0.05803663283586502}],"sentiment":"neutral","sentiment_score":0.05803663283586502,"channel":0,"num_words":1,"start":2297.48,"end":2297.98},{"sentences":[{"text":"Yeah.","start":2297.6848,"end":2298.1848,"sentiment":"neutral","sentiment_score":0.09585465490818024}],"sentiment":"neutral","sentiment_score":0.09585465490818024,"channel":1,"num_words":1,"start":2297.6848,"end":2298.1848},{"sentences":[{"text":"sale of that one, we will use to offset any of the other gains to minimize the capital gains tax, and that'll reduce that impact a little bit when we switch it.","start":2298.36,"end":2307.18,"sentiment":"neutral","sentiment_score":0.18188580172136426}],"sentiment":"neutral","sentiment_score":0.18188580172136426,"channel":0,"num_words":32,"start":2298.36,"end":2307.18},{"sentences":[{"text":"Yep.","start":2307.9248,"end":2308.35,"sentiment":"neutral","sentiment_score":0.06297308206558228},{"text":"We could not have any capital gains tax, right, because this is a capital loss that we're booking, isn't","start":2308.59,"end":2313.49,"sentiment":"neutral","sentiment_score":-0.09885422199180252}],"sentiment":"neutral","sentiment_score":-0.09076285678893328,"channel":1,"num_words":20,"start":2307.9248,"end":2313.49},{"sentences":[{"text":"So correct.","start":2313.935,"end":2314.655,"sentiment":"neutral","sentiment_score":-0.10196562483906746},{"text":"So if there's any of the other ones that are positive that I would like to rebalance or","start":2314.655,"end":2318.4949,"sentiment":"neutral","sentiment_score":-0.16565671149227354}],"sentiment":"neutral","sentiment_score":-0.15928760282695292,"channel":0,"num_words":20,"start":2313.935,"end":2318.4949},{"sentences":[{"text":"it?","start":2318.35,"end":2318.51,"sentiment":"neutral","sentiment_score":-0.08570165932178497}],"sentiment":"neutral","sentiment_score":-0.08570165932178497,"channel":1,"num_words":1,"start":2318.35,"end":2318.51},{"sentences":[{"text":"update,","start":2318.4949,"end":2318.9949,"sentiment":"neutral","sentiment_score":0.011906910687685013}],"sentiment":"neutral","sentiment_score":0.011906910687685013,"channel":0,"num_words":1,"start":2318.4949,"end":2318.9949},{"sentences":[{"text":"Oh, yeah.","start":2318.51,"end":2318.9102,"sentiment":"neutral","sentiment_score":0.0709955058991909},{"text":"Yeah.","start":2318.9102,"end":2319.4102,"sentiment":"neutral","sentiment_score":0.14067667722702026}],"sentiment":"neutral","sentiment_score":0.09422256300846736,"channel":1,"num_words":3,"start":2318.51,"end":2319.4102},{"sentences":[{"text":"I can do that and offset it for free, and that'll save 15","start":2319.4548,"end":2322.915,"sentiment":"neutral","sentiment_score":0.22255568091685957}],"sentiment":"neutral","sentiment_score":0.22255568091685957,"channel":0,"num_words":13,"start":2319.4548,"end":2322.915},{"sentences":[{"text":"Sure.","start":2324.055,"end":2324.295,"sentiment":"neutral","sentiment_score":0.17479971051216123},{"text":"Yep.","start":2324.295,"end":2324.6948,"sentiment":"neutral","sentiment_score":0.18187043070793152},{"text":"Then, yep.","start":2324.6948,"end":2325.515,"sentiment":"neutral","sentiment_score":0.1477661356329918},{"text":"See, mate, I'll leave it for your better judgment to guide me through this.","start":2325.575,"end":2331.835,"sentiment":"neutral","sentiment_score":0.24626684933900833},{"text":"If you think you have to","start":2331.895,"end":2333.515,"sentiment":"neutral","sentiment_score":0.14542144040266672}],"sentiment":"neutral","sentiment_score":0.2071861227353414,"channel":1,"num_words":24,"start":2324.055,"end":2333.515},{"sentences":[{"text":"percent.","start":2333.5999,"end":2334.0999,"sentiment":"neutral","sentiment_score":0.12345945835113524}],"sentiment":"neutral","sentiment_score":0.12345945835113524,"channel":0,"num_words":1,"start":2333.5999,"end":2334.0999},{"sentences":[{"text":"go to one of the ETFs or you think the one that you know investment, one of those things for me know is the same that you should do for mine.","start":2333.815,"end":2345.41,"sentiment":"neutral","sentiment_score":0.15084229385660541},{"text":"I trust your judgment on 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believe we hang on.","start":2360.9,"end":2362.1,"sentiment":"neutral","sentiment_score":-0.05641708746552467},{"text":"Let me double check.","start":2362.1,"end":2362.965,"sentiment":"neutral","sentiment_score":-0.01391175715252757},{"text":"Yeah.","start":2362.965,"end":2363.205,"sentiment":"neutral","sentiment_score":0.008123267441987991},{"text":"The 1.1% is yearly 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we have kept the fees off of your account until we can resolve Mino's insurances and provide you with this advice.","start":2368.725,"end":2377.705,"sentiment":"neutral","sentiment_score":-0.004433527419512922},{"text":"So we canceled it a couple of months ago,","start":2378.0852,"end":2381.8599,"sentiment":"neutral","sentiment_score":-0.215722912715541}],"sentiment":"neutral","sentiment_score":-0.0657756070215856,"channel":0,"num_words":31,"start":2368.725,"end":2381.8599},{"sentences":[{"text":"Mhmm.","start":2382.415,"end":2382.915,"sentiment":"neutral","sentiment_score":-0.13383272290229797}],"sentiment":"neutral","sentiment_score":-0.13383272290229797,"channel":1,"num_words":1,"start":2382.415,"end":2382.915},{"sentences":[{"text":"and I will not get you to sign another one until I have that advice in front of you to read and make sure you're happy with the advice.","start":2383.44,"end":2390.5,"sentiment":"neutral","sentiment_score":-0.10013711632325731}],"sentiment":"neutral","sentiment_score":-0.10013711632325731,"channel":0,"num_words":29,"start":2383.44,"end":2390.5},{"sentences":[{"text":"Okay.","start":2390.9749,"end":2391.4749,"sentiment":"neutral","sentiment_score":0.03356992453336716},{"text":"Alright.","start":2391.535,"end":2392.035,"sentiment":"neutral","sentiment_score":0.03815779462456703},{"text":"So you guys are aware of service issues?","start":2392.255,"end":2395.26,"sentiment":"neutral","sentiment_score":0.009890545159578323},{"text":"Alright.","start":2396.76,"end":2397.26,"sentiment":"neutral","sentiment_score":0.10599210858345032}],"sentiment":"neutral","sentiment_score":0.0233494717289101,"channel":1,"num_words":11,"start":2390.9749,"end":2397.26},{"sentences":[{"text":"I did see some file notes about 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definitely coming into this conversation.","start":2402.815,"end":2406.3599,"sentiment":"neutral","sentiment_score":0.1426063616360937},{"text":"I wanted to make sure that I could address that with you.","start":2406.3599,"end":2409.66,"sentiment":"neutral","sentiment_score":0.21571978802482286}],"sentiment":"neutral","sentiment_score":0.1887832625131858,"channel":0,"num_words":19,"start":2402.815,"end":2409.66},{"sentences":[{"text":"I appreciate 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Tommy, I leave it with with your expert understanding and knowledge and decision making with this.","start":2413.295,"end":2421.955,"sentiment":"neutral","sentiment_score":0.3268769260715036},{"text":"If you're if you're seeing both of them are doing double digits, I'll leave it for you to decide which one to go to.","start":2424.11,"end":2429.79,"sentiment":"neutral","sentiment_score":0.13668681339671215},{"text":"Frankly, that's that's the reason why I'm with you guys.","start":2429.79,"end":2431.95,"sentiment":"neutral","sentiment_score":0.2472124993801117},{"text":"You 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for the time being?","start":2449.8948,"end":2458.555,"sentiment":"positive","sentiment_score":0.349928580224514},{"text":"We'll let","start":2458.6948,"end":2459.1748,"sentiment":"neutral","sentiment_score":0.19732443988323212}],"sentiment":"positive","sentiment_score":0.34095186608679157,"channel":0,"num_words":34,"start":2449.8948,"end":2459.1748},{"sentences":[{"text":"Mhmm.","start":2459.15,"end":2459.65,"sentiment":"neutral","sentiment_score":0.16782331466674805}],"sentiment":"neutral","sentiment_score":0.16782331466674805,"channel":1,"num_words":1,"start":2459.15,"end":2459.65},{"sentences":[{"text":"it run for twelve months,","start":2459.1748,"end":2460.75,"sentiment":"neutral","sentiment_score":0.12047180384397507}],"sentiment":"neutral","sentiment_score":0.12047180384397507,"channel":0,"num_words":5,"start":2459.1748,"end":2460.75},{"sentences":[{"text":"Mhmm.","start":2461.395,"end":2461.895,"sentiment":"neutral","sentiment_score":0.1707308441400528}],"sentiment":"neutral","sentiment_score":0.1707308441400528,"channel":1,"num_words":1,"start":2461.395,"end":2461.895},{"sentences":[{"text":"and then we'll compare how both of you guys have gone over that period.","start":2461.55,"end":2465.57,"sentiment":"neutral","sentiment_score":0.2665799504944256},{"text":"And if one of you would like to switch to the other style, we can make sure you're both in the same thing.","start":2465.71,"end":2470.27,"sentiment":"neutral","sentiment_score":0.23900082998949548},{"text":"But that way, you can see how it both plays out over the 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they're right back up into the twelve, thirteen, 14%, and it'll catch up very quickly over a period of the stock market going up, you will get that accelerated 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was?","start":2820.225,"end":2827.7651,"sentiment":"neutral","sentiment_score":-0.0020567613964279493}],"sentiment":"neutral","sentiment_score":0.15644420270941087,"channel":1,"num_words":28,"start":2813.36,"end":2827.7651},{"sentences":[{"text":"Or is she a full time adviser with you guys?","start":2829.3452,"end":2831.985,"sentiment":"neutral","sentiment_score":0.003307667560875416},{"text":"I'm not sure.","start":2831.985,"end":2832.8052,"sentiment":"neutral","sentiment_score":-0.0382866437236468},{"text":"But one of the expectations or an aim or a hope","start":2834.945,"end":2843.24,"sentiment":"neutral","sentiment_score":0.022249879146164112}],"sentiment":"neutral","sentiment_score":0.006790225626900792,"channel":1,"num_words":24,"start":2829.3452,"end":2843.24},{"sentences":[{"text":"Mhmm.","start":2842.9949,"end":2843.4949,"sentiment":"neutral","sentiment_score":0.02832930162549019}],"sentiment":"neutral","sentiment_score":0.02832930162549019,"channel":0,"num_words":1,"start":2842.9949,"end":2843.4949},{"sentences":[{"text":"was if I get across onboarded with you guys as well, then both our supers are with one with one person, and we get one solid advice across the two supers is how I had kind of thought about it that it'll work that way.","start":2843.24,"end":2863.935,"sentiment":"neutral","sentiment_score":0.2233125638630655}],"sentiment":"neutral","sentiment_score":0.2233125638630655,"channel":1,"num_words":45,"start":2843.24,"end":2863.935},{"sentences":[{"text":"Yep.","start":2864.3,"end":2864.8,"sentiment":"neutral","sentiment_score":0.15838268399238586}],"sentiment":"neutral","sentiment_score":0.15838268399238586,"channel":0,"num_words":1,"start":2864.3,"end":2864.8},{"sentences":[{"text":"I I don't mean anything bad for Dana or anything in when I say this, but I was hoping if if you're going to be looking after my super account, then I would prefer that you look after her, Mino's, as well.","start":2866.61,"end":2885.595,"sentiment":"neutral","sentiment_score":0.11667913296038196},{"text":"I do not know if having a different set of eyes will help or not.","start":2885.595,"end":2890.155,"sentiment":"neutral","sentiment_score":-0.018700483193000158},{"text":"It's it's it's all wishful thinking, isn't 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sound?","start":2936.7798,"end":2937.68,"sentiment":"neutral","sentiment_score":0.13093758871157965}],"sentiment":"neutral","sentiment_score":0.14163134060800076,"channel":0,"num_words":16,"start":2931.305,"end":2937.68},{"sentences":[{"text":"Yes.","start":2938.0352,"end":2938.435,"sentiment":"neutral","sentiment_score":0.2345162034034729},{"text":"I prefer that.","start":2938.435,"end":2939.5752,"sentiment":"positive","sentiment_score":0.37582897146542865}],"sentiment":"positive","sentiment_score":0.34050077944993973,"channel":1,"num_words":4,"start":2938.0352,"end":2939.5752},{"sentences":[{"text":"Cool.","start":2940.0598,"end":2940.5398,"sentiment":"positive","sentiment_score":0.4541361927986145},{"text":"So I'll have a look into that for the time being.","start":2940.5398,"end":2943.1199,"sentiment":"neutral","sentiment_score":0.27815756743604486},{"text":"When it comes to that appointment on the fifteenth, I will only have enough time to go through the updated portfolio with you, but then we can schedule in a bit of a joint retirement discussion afterwards.","start":2943.18,"end":2953.385,"sentiment":"neutral","sentiment_score":0.25443519249155716}],"sentiment":"neutral","sentiment_score":0.2638361542200556,"channel":0,"num_words":49,"start":2940.0598,"end":2953.385},{"sentences":[{"text":"Yes, sir.","start":2954.06,"end":2954.3,"sentiment":"neutral","sentiment_score":0.2720247954130173},{"text":"Yeah.","start":2954.3,"end":2954.7002,"sentiment":"neutral","sentiment_score":0.2858964204788208},{"text":"Sure.","start":2954.7002,"end":2955.02,"sentiment":"positive","sentiment_score":0.3925210237503052},{"text":"That will make a lot of 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do any joint planning for larger goals, we'll have those as joint discussions.","start":2968.28,"end":2972.78,"sentiment":"neutral","sentiment_score":0.1696524076602038}],"sentiment":"neutral","sentiment_score":0.25344668069611426,"channel":0,"num_words":46,"start":2958.325,"end":2972.78},{"sentences":[{"text":"Agreed.","start":2974.175,"end":2974.675,"sentiment":"positive","sentiment_score":0.4936116337776184},{"text":"Sounds","start":2975.3499,"end":2975.67,"sentiment":"positive","sentiment_score":0.8533634543418884}],"sentiment":"positive","sentiment_score":0.6734875440597534,"channel":1,"num_words":2,"start":2974.175,"end":2975.67},{"sentences":[{"text":"Perfect.","start":2975.48,"end":2975.98,"sentiment":"positive","sentiment_score":0.8454407453536987}],"sentiment":"positive","sentiment_score":0.8454407453536987,"channel":0,"num_words":1,"start":2975.48,"end":2975.98},{"sentences":[{"text":"like a 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gain?","start":2993.365,"end":2995.285,"sentiment":"neutral","sentiment_score":0.01943181175738573},{"text":"What is the movement?","start":2995.285,"end":2996.265,"sentiment":"neutral","sentiment_score":0.014434725511819124}],"sentiment":"neutral","sentiment_score":0.01719148294068873,"channel":1,"num_words":28,"start":2986.79,"end":2996.265},{"sentences":[{"text":"We've just jumped up 6% recently.","start":2997.55,"end":2999.97,"sentiment":"neutral","sentiment_score":0.15789047504464784},{"text":"Let me have a look.","start":3000.43,"end":3001.49,"sentiment":"neutral","sentiment_score":0.04899778217077255}],"sentiment":"neutral","sentiment_score":0.10839379646561363,"channel":0,"num_words":11,"start":2997.55,"end":3001.49},{"sentences":[{"text":"Mhmm.","start":3001.8098,"end":3002.3098,"sentiment":"neutral","sentiment_score":0.02127122133970261},{"text":"So let's say for the last financial year, what are what is the dollar value of my contributions versus what is the market value after all expenses?","start":3002.45,"end":3010.39,"sentiment":"neutral","sentiment_score":0.01656240010978999},{"text":"And how much is it performing?","start":3011.17,"end":3014.3098,"sentiment":"neutral","sentiment_score":0.018445660049716633}],"sentiment":"neutral","sentiment_score":0.01703323484124506,"channel":1,"num_words":34,"start":3001.8098,"end":3014.3098},{"sentences":[{"text":"So let me have a quick look.","start":3015.2751,"end":3016.715,"sentiment":"neutral","sentiment_score":0.037624449868287356},{"text":"We've got $135,000 up to $1.63.5 at the 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10,600.","start":3065.915,"end":3072.44,"sentiment":"neutral","sentiment_score":0.016545631656689302}],"sentiment":"neutral","sentiment_score":0.016545631656689302,"channel":0,"num_words":7,"start":3065.915,"end":3072.44},{"sentences":[{"text":"Mhmm.","start":3073.27,"end":3073.77,"sentiment":"neutral","sentiment_score":0.000315024983137846},{"text":"What's the denominator there?","start":3075.205,"end":3076.905,"sentiment":"neutral","sentiment_score":-0.01651299325749278}],"sentiment":"neutral","sentiment_score":-0.013147389609366655,"channel":1,"num_words":5,"start":3073.27,"end":3076.905},{"sentences":[{"text":"That Benelon option is what's brought it down for that year.","start":3078.66,"end":3082.18,"sentiment":"neutral","sentiment_score":-0.07795713198455897},{"text":"I've got S and P 500 up 9,000.","start":3082.18,"end":3085.16,"sentiment":"neutral","sentiment_score":0.016720078710932285},{"text":"Gold up 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much.","start":3288.46,"end":3289.18,"sentiment":"positive","sentiment_score":0.7675561755895615},{"text":"Thanks for the call.","start":3289.18,"end":3290.24,"sentiment":"positive","sentiment_score":0.7684511840343475}],"sentiment":"positive","sentiment_score":0.695141383192756,"channel":1,"num_words":11,"start":3287.42,"end":3290.24},{"sentences":[{"text":"See you later.","start":3290.5752,"end":3291.215,"sentiment":"positive","sentiment_score":0.5768962701161703},{"text":"Bye.","start":3291.215,"end":3291.715,"sentiment":"neutral","sentiment_score":0.3013368248939514}],"sentiment":"positive","sentiment_score":0.5080064088106155,"channel":0,"num_words":4,"start":3290.5752,"end":3291.715},{"sentences":[{"text":"Hey, mate.","start":3291.58,"end":3292.06,"sentiment":"neutral","sentiment_score":0.2516428530216217},{"text":"Bye.","start":3292.06,"end":3292.4128,"sentiment":"neutral","sentiment_score":-0.0928446352481842}],"sentiment":"neutral","sentiment_score":0.13681369026501974,"channel":1,"num_words":3,"start":3291.58,"end":3292.4128}]},"summary":{"result":"success","short":"The speaker discusses their mortgage and insurance plans with Carl, expressing frustration with the service and potential loss of value for his wife's retirement funds. They reassure him about the company's standards and promise to make his mortgage goals happen. The speaker also discusses retirement goals and investment property, including joint retirement goals and savings for himself and his spouse. They mention the impact of rising costs on their finances and suggest keeping their income protection in check. The speaker also discusses options for investing in various stocks and fund managers, including a replacement option for a former fund manager's poor performance and a low fee investment option for a low fee investment option. They also mention their availability for appointments and their preference for a morning appointment on Tuesday."},"intents":{"segments":[{"text":"I did wanna update a few details with you just to see if there's been any major changes. But is there anything in particular that you would like to begin with or anything you want me to focus on today?","start_word":360,"end_word":399,"intents":[{"intent":"Update details","confidence_score":0.48782787}]},{"text":"But is there anything in particular that you would like to begin with or anything you want me to focus on today?","start_word":377,"end_word":398,"intents":[{"intent":"Address concerns","confidence_score":0.012818306}]},{"text":"It's the first time someone has asked me, we want to hear from you how are our service level. You know, I'm not saying I'm not going to say SLAs, but how are we what kind of service are we really providing you? Are you happy with it or not?","start_word":838,"end_word":887,"intents":[{"intent":"Request service level information","confidence_score":0.0005992273}]},{"text":"I'm really considering moving my business from OP Financial to another because of this Yep. all of this.","start_word":912,"end_word":929,"intents":[{"intent":"Discuss financial situation","confidence_score":0.0072457534}]},{"text":"I understand, you know, And you guys went your team went to some insurance providers, and they did not take that insurance on board for my partner. I understand that there was that time gap there, but it's only been it's recently resolved. been recently resolved probably a couple of months back. Yeah.","start_word":1078,"end_word":1130,"intents":[{"intent":"Resolve issues","confidence_score":0.047332652}]},{"text":"Outside of that, let's just talk about a couple of main goals. Because like you said, everything here is for an outcome, and we're trying to get towards an outcome at some point.","start_word":1909,"end_word":1941,"intents":[{"intent":"Discuss portfolio goals and retirement goals","confidence_score":0.02251366}]},{"text":"I'm trying to think, okay, if 1,500 per week with the mortgage paid off is what I've got listed for your retirement goal, Mhmm.","start_word":2209,"end_word":2232,"intents":[{"intent":"Calculate retirement goals","confidence_score":0.11813516}]},{"text":"So what I need to make sure that we can do is that with the contributions that are going in, the growth of the investments and the additional contributions, that we can at least solidify the retirement goal. And are you wanting me to make sure that we can try and get there by age 60, like, as early as possible, or are you okay to go a few extra years?","start_word":2648,"end_word":2718,"intents":[{"intent":"Set retirement goal","confidence_score":0.012495229}]},{"text":"I think it's honestly, like I don't mean to overstep, Gidge, but being able to divest out of that property when you know it's no longer serving you, especially if it's costing you a lot of money, trying to clear 700,000 worth of debt while maintaining a property that may be negatively geared at the time, that's pretty difficult to do.","start_word":3218,"end_word":3278,"intents":[{"intent":"Disinvest in property market","confidence_score":0.0033479556}]},{"text":"to get I put it on market for five months and no progress, and we hardly Wow.","start_word":3536,"end_word":3552,"intents":[{"intent":"Update market status","confidence_score":0.009470312}]},{"text":"I'm happy to take a review of it immediately when those rates come along and yep.","start_word":4184,"end_word":4199,"intents":[{"intent":"Review insurance rates","confidence_score":0.044778302}]},{"text":"Now because you don't currently have the savings right now, you need to keep it as a thirty day waiting period. But once you have it built up, we can push it out to sixty or ninety days to reduce the premiums significantly as it starts to increase to offset that. Yep.","start_word":4358,"end_word":4409,"intents":[{"intent":"Reducing insurance premiums","confidence_score":0.0018710187},{"intent":"Reducing premiums","confidence_score":0.005367469}]},{"text":"In addition, once you have lower debts and not that many years until age 65, you could also trim down the benefit period to five years as well as a as a cost saving measure. So for the next five to eight years, we can very easily keep on top of the price of it as long as we review the waiting period according to your savings and the benefit period according to how much that would save. Mhmm.","start_word":4412,"end_word":4490,"intents":[{"intent":"Comparing savings and benefit periods","confidence_score":0.00040215516}]},{"text":"Now when it comes to the portfolio itself, so this is a pretty simple equation for me, to be perfectly honest. You're sitting in a growth risk level inside the super at the moment. You know that kind of four out of five on the risk scale, 80% in growth assets, shares, property, gold. Does that does that ring a bell? Say that again?","start_word":4660,"end_word":4723,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.103031084}]},{"text":"Can you can you if I log in to the Hub 24, can Yep. you guide me through what screen you're looking at and what is an equivalent screen that I can look at so that what you say is I can kind of follow what you're Yeah.","start_word":5196,"end_word":5243,"intents":[{"intent":"Guide customer through dashboard","confidence_score":0.00076782453}]},{"text":"the Australian listed securities, the managed funds, and the cash, does it show you the underlying options, the name of the options in that section? No.","start_word":5374,"end_word":5399,"intents":[{"intent":"Analyze underlying options","confidence_score":0.03781188}]},{"text":"03 $39. I do not see how much I've invested, as in how much is the loss on that. on at the moment.","start_word":5722,"end_word":5744,"intents":[{"intent":"Identify cost of investment","confidence_score":0.000001441887}]},{"text":"So those are the two that you recommend to be die divested and then use that 20,000 to invest in something else? Yeah.","start_word":5792,"end_word":5814,"intents":[{"intent":"Discuss investment options","confidence_score":0.0056887744}]},{"text":"They have essentially failed at that mandate, and we don't believe that they will increase again.","start_word":5941,"end_word":5956,"intents":[{"intent":"Express dissatisfaction with investment options","confidence_score":0.00018399514}]},{"text":"And with the few with the free style on the one that you're recommending with Meehl, how the fees are the same as Benelung or less?","start_word":6090,"end_word":6115,"intents":[{"intent":"Discuss fees and adjust fees","confidence_score":0.000489452}]},{"text":"So you guys are aware of service issues? Alright.","start_word":6400,"end_word":6408,"intents":[{"intent":"Inquire about service issues","confidence_score":0.009135984}]},{"text":"I wanted to make sure that I could address that with you. I appreciate that.","start_word":6431,"end_word":6445,"intents":[{"intent":"Address concerns","confidence_score":0.08504164}]},{"text":"between Monday, Tuesday, could be yeah. If that's So let me have a look at time frame.","start_word":7106,"end_word":7122,"intents":[{"intent":"Provide a timeline for the next step","confidence_score":6.2863535e-8}]},{"text":"So I do early shift on a Monday where I'm available decently early in the morning and then leave to pick up the kids. And then Tuesday, I've got a late night. So would you prefer early or late? Sorry.","start_word":7124,"end_word":7163,"intents":[{"intent":"Schedule appointment","confidence_score":0.31282997}]},{"text":"And then we'll touch base on the fifteenth on the evening to get the super portfolio updated.","start_word":7462,"end_word":7478,"intents":[{"intent":"Update portfolio","confidence_score":0.4753513}]},{"text":"I think with most clients, we do discuss strategies as a group to make sure we're all across everything that may Sure.","start_word":7696,"end_word":7717,"intents":[{"intent":"Discuss strategy and investment","confidence_score":0.00011464781}]},{"text":"So I'll have a look into that for the time being. When it comes to that appointment on the fifteenth, I will only have enough time to go through the updated portfolio with you, but then we can schedule in a bit of a joint retirement discussion afterwards. Yes, sir.","start_word":7772,"end_word":7821,"intents":[{"intent":"Schedule retirement discussion","confidence_score":0.7473442}]},{"text":"So I'll make sure that anything that comes through for me now comes through to me, and we'll have individual conversations if we need to if they're small enough. If we need to do any joint planning for larger goals, we'll have those as joint discussions. Agreed.","start_word":7838,"end_word":7884,"intents":[{"intent":"Verify plan progress","confidence_score":0.00018250028}]},{"text":"And, Kij, I do wanna say thank you for, one, being frank with me about your concerns.","start_word":8329,"end_word":8345,"intents":[{"intent":"Resolve concerns","confidence_score":0.009421105}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, kids. It's Tommy here, senior adviser from Oakview Financial. How are you doing?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.13550002872943878},{"text":"I'm doing good, Tommy. Thanks for the call.","start_word":16,"end_word":23,"sentiment":"positive","sentiment_score":0.5691450238227844},{"text":"How are you?","start_word":24,"end_word":26,"sentiment":"neutral","sentiment_score":0.30445677042007446},{"text":"Mate, I'm doing fantastic. It's a beautiful cool week on the Gold Coast.","start_word":27,"end_word":39,"sentiment":"positive","sentiment_score":0.6704204082489014},{"text":"What about your end?","start_word":40,"end_word":43,"sentiment":"neutral","sentiment_score":0.17704758048057556},{"text":"Oh, it was a perfect spring day, twenty two in Melbourne.","start_word":44,"end_word":54,"sentiment":"positive","sentiment_score":0.348376989364624},{"text":"Honey.","start_word":55,"end_word":55,"sentiment":"neutral","sentiment_score":0.26714909076690674},{"text":"Oh, that's what we love. That's what we Yep. love.","start_word":56,"end_word":65,"sentiment":"positive","sentiment_score":0.42054036259651184},{"text":"Mate, I've just got a few things I wanted to run by you today that Carl was working on for you a little while Yep. ago. Yeah. Do you mind if I just go through a quick security check with you and we can jump into it together? Yeah. Sure. Perfect. So as always, calls are recorded for training and quality purposes. I'm registered with Asica's adviser 1273105. Can I just get your date of birth and address for security, Yes. please? You said date of birth. Right? Correct. Date of birth and then residential address. Yep. Yep. So 07/16/1979, and Mhmm. the residential address is 12 Catania Muse, Caban Springs, Victoria 3023. Sensational.","start_word":66,"end_word":179,"sentiment":"neutral","sentiment_score":0.04678895324468613},{"text":"Thank you very much for that.","start_word":180,"end_word":185,"sentiment":"positive","sentiment_score":0.4645290970802307},{"text":"Mate, a few things I was kind of looking at beforehand was a bit of a portfolio updates Carl was looking at with you for the super. And Mhmm. a few things I'm wanting to look at today was mainly around, a, service level expectations just to make sure that we're doing right by you and making sure that we've got the service that you expect from us. Outside of that, I can see that Carl did a bit of a reduction of the insurances earlier this year. Does that ring a bell? Yes. Perfect. Okay. So I'm definitely on the same page there. Just in terms of goals to start with, just to make sure I've got this correct, your main priorities for the next five years is to obviously pay off the mortgage and then boost up the super as much as possible. And you were thinking about going overseas, go see your mom, and also possibly a bit of investing. Does that sound right? Yep. Perfect. Okay. Got you there. I did wanna update a few details with you just to see if there's been any major changes. But is there anything in particular that you would like to begin with or anything you want me to focus on today? The couple of things, frankly, as far as the service is concerned, I understand that Kyle is not working with you guys anymore, and he was there as Yes. an intern for his provisional ear is what I understand.","start_word":186,"end_word":437,"sentiment":"neutral","sentiment_score":0.06588424190819736},{"text":"Something that I wasn't happy about that financial is setting up clients with interns or provisional year students. I wasn't very happy to know that I was advised only after Kyle had left when I got a call for this meeting setup.","start_word":438,"end_word":479,"sentiment":"negative","sentiment_score":-0.4124778211116791},{"text":"Alright? So Gotcha.","start_word":480,"end_word":482,"sentiment":"neutral","sentiment_score":-0.2103293091058731},{"text":"that is something that I'd not appreciate that my money, my hard earned money was, you know, nothing wrong with Kyle.","start_word":483,"end_word":503,"sentiment":"negative","sentiment_score":-0.5930732488632202},{"text":"Don't get me wrong. He was an excellent handler, if I can say that, call that. You know? Yeah. Absolutely. But things were taken way too lightly also because I have if you probably also notice, sometime around last year is when I asked my wife also to join as a client for you guys, Yes. and that process is still happening, if I'm not wrong.","start_word":504,"end_word":569,"sentiment":"neutral","sentiment_score":-0.08857721835374832},{"text":"There was an issue with the insurance. I don't think the rollover has completely happened.","start_word":570,"end_word":584,"sentiment":"negative","sentiment_score":-0.4259965121746063},{"text":"I don't think it takes that long to bring business to Oakview Financial, mate. I'm introducing my partner to you guys so that we both take advantage of what our benefits on the, you know, fees and everything. Yeah. But her she's also on hub twenty four, but she's not completely rolled over from wherever she was to hub twenty four still.","start_word":585,"end_word":646,"sentiment":"neutral","sentiment_score":-0.13244476914405823},{"text":"And if I'm not wrong, she still has got $20,000 or something sitting in her old, you know, super. So all in all, there has been a lot of slack.","start_word":647,"end_word":676,"sentiment":"negative","sentiment_score":-0.4541606903076172},{"text":"Yep. I've complained to Kyle. Through Kyle, I've taken it ahead to some senior adviser. I don't know who it was at that point of time. Then there's this girl die they they what is it? Yep. Oh, What Dana. is it? Yes. Dana. Yeah. She's handling my wife's case. We found out she was working part time, then we are told that, you know, we don't know Yep. who told you which she was part time. She's full time, so I'm getting mixed mixed communication. Yeah. It's all over the place, mate. You're a senior adviser. This is the first time you when you identified yourself, you've given your license number also, if I'm if I'm not wrong, when you introduced yourself. Yeah. That's one of my my calling cards is I've done that my whole career. So yeah. So this is the first time I'm getting some kind of, you know, how do I put it, professional information? Yeah. It's the first time someone has asked me, we want to hear from you how are our service level. You know, I'm not saying I'm not going to say SLAs, but how are we what kind of service are we really providing you? Are you happy with it or not? And I've been Yeah. probably ranting about for the last two minutes, three minutes. That should tell you what I really am looking at. I'm really considering moving my business from OP Financial to another because of this Yep. all of this. Yeah.","start_word":677,"end_word":930,"sentiment":"neutral","sentiment_score":-0.044082629237705326},{"text":"And that's I can see that'll be frustrating because it's not just one one little thing.","start_word":931,"end_word":946,"sentiment":"negative","sentiment_score":-0.3577677011489868},{"text":"There's a a culmination It's not a bit of many frustrating items for me. over, what, twelve, eighteen months. Yes. It's not a bit frustrating.","start_word":947,"end_word":971,"sentiment":"neutral","sentiment_score":-0.19730667769908905},{"text":"It's really frustrating. I do not know where my wife's super fits at.","start_word":972,"end_word":984,"sentiment":"negative","sentiment_score":-0.49471724033355713},{"text":"Is it making money?","start_word":985,"end_word":988,"sentiment":"neutral","sentiment_score":-0.3045860826969147},{"text":"Because the rollover hasn't happened yet. So I do not know if it's making money with $0.5.24 with a partial part of it sitting with you guys.","start_word":989,"end_word":1015,"sentiment":"negative","sentiment_score":-0.4108378291130066},{"text":"I know Yeah. whether she whether her retirement fund or whatever she had, that 20,000 is definitely making money for her.","start_word":1016,"end_word":1036,"sentiment":"neutral","sentiment_score":-0.19706787168979645},{"text":"I do not know if HUB24 is making money for her. So as a household, I am I'm frustrated to the fact that I'm still not sure why does it take so long. She had some issues with her insurance.","start_word":1037,"end_word":1076,"sentiment":"negative","sentiment_score":-0.5879613757133484},{"text":"I understand, you know, And you guys went your team went to some insurance providers, and they did not take that insurance on board for my partner. I understand that there was that time gap there, but it's only been it's recently resolved. been recently resolved probably a couple of months back. Yeah. If not more than that, Mhmm. probably July or something of that sort. So you see, ultimately, I'm your client only because you're making money for me.","start_word":1077,"end_word":1156,"sentiment":"neutral","sentiment_score":-0.054715804755687714},{"text":"You see? It's it's the truth for everyone. Right? If you put yourself in my shoes and you're get you're receiving a service from someone, you're in you're with them only because you're receiving an set outcome with them. Right? Yeah. And you're trying to actually get that value to get that outcome, which is to catch up the super, get you into a good retirement, and any other advice you need along the way.","start_word":1157,"end_word":1231,"sentiment":"positive","sentiment_score":0.5880661606788635},{"text":"Exactly. Yep. In in my individual case as well, I've received some communications from Kyle about there's some changes. You have some partner sign ups with BlackRock or something or Vanguard. I don't remember BlackRock, I think so. Yeah. And Yeah. That's the one. yeah. Yeah. So those recommendations are in place, but not recommendations.","start_word":1232,"end_word":1286,"sentiment":"neutral","sentiment_score":-0.01707504689693451},{"text":"Those questions are are still up in a limbo because I do not know I do not understand what's the advice.","start_word":1287,"end_word":1307,"sentiment":"negative","sentiment_score":-0.46937066316604614},{"text":"What do I have to take as an action? My account still remains as there's there's multi account or something. There's some terminology that was coined, given to me by Kyle. Yep.","start_word":1308,"end_word":1339,"sentiment":"neutral","sentiment_score":-0.1968529373407364},{"text":"So those questions are also not answered. So I'm frankly, Need to get that resolved at the least.","start_word":1340,"end_word":1357,"sentiment":"negative","sentiment_score":-0.4813849627971649},{"text":"in fact, I also found out that your business model has changed and you moved from an annual to a quarterly review with your clients. I have asked that and the quarterly reviews are Yep.","start_word":1358,"end_word":1392,"sentiment":"neutral","sentiment_score":-0.08914417028427124},{"text":"not happening as quarterly as possible or or, you know, as it as much as they should be.","start_word":1393,"end_word":1410,"sentiment":"negative","sentiment_score":-0.5453221797943115},{"text":"Yep. Alright. I'll stop here now. No.","start_word":1411,"end_word":1417,"sentiment":"neutral","sentiment_score":-0.06974353641271591},{"text":"I I appreciate you being frank with me because at the end of the day, for however long I've got you under my care, my duty of care to you is to get you in a position that I can based Yep. on my skill set.","start_word":1418,"end_word":1463,"sentiment":"positive","sentiment_score":0.5366519689559937},{"text":"Mhmm. Outside of that, it's to uphold the service that you expect because I understand that once trust is lost, it's very hard to regain again. Correct.","start_word":1464,"end_word":1490,"sentiment":"neutral","sentiment_score":-0.012309635058045387},{"text":"Correct. So what I will do Mhmm. is my utmost to at least fulfill what I can on my side of things.","start_word":1491,"end_word":1512,"sentiment":"positive","sentiment_score":0.34242016077041626},{"text":"If Mhmm.","start_word":1513,"end_word":1514,"sentiment":"neutral","sentiment_score":0.3253718912601471},{"text":"you decide to stay with us, that would be fantastic.","start_word":1515,"end_word":1524,"sentiment":"positive","sentiment_score":0.4449034333229065},{"text":"If not, we will do our best for however long we are together. Yep.","start_word":1525,"end_word":1538,"sentiment":"neutral","sentiment_score":0.2343392074108124},{"text":"Now I'll go through usual couple of checks with you because I wanna resolve the portfolio, number one, absolutely. And I wanna make it a bit bit more straightforward for you. It doesn't have to be confusing and up in the air for months that we can come to ideas and decisions quickly and efficiently and Yep.","start_word":1539,"end_word":1595,"sentiment":"positive","sentiment_score":0.4241128861904144},{"text":"get onto it before the markets turn too badly, and we miss out Yep. on opportunities. So two things I'll I'll do. First of all, in terms of Kyle, brilliant man, when he was giving you advice earlier this year, he was a fully registered adviser. He had finished his apprenticeship. So just to let you know, he wasn't an intern earlier in the year kind of thing. But Mhmm. any of those that we have, they're always overseen by a senior adviser as well. So just wanna give you some reassurance that anything that he did was checked by others as well to make sure it's in your best interest. Mhmm. Yeah. Sure. For He was good Nina? at what he did, mate. Don't get me wrong. Carl was good at what he did. I just He is. was surprised that I found out that he was probably an intern or a provisional year, you know, candidate there. So I'm I was really surprised that those those how do I say? Junior level advisers are exposed to customers, Yeah. if Yeah. I may say it correctly. Sorry. Absolutely. And I think usually for that twelve month apprenticeship, they do go through client contacts under supervision to make sure they're building those skills. And then once they're actually graduated, they're allowed to do it in isolation once qualified. Mhmm. When it comes to Minelle's situation, I do work pretty closely with Dana. So I will have a conversation with Dana to see where everything is sitting for her now that the insurances have been resolved and get some clear communication back to you guys so you know what the next steps are. Sure.","start_word":1596,"end_word":1878,"sentiment":"neutral","sentiment_score":0.07804586564588883},{"text":"Sure. Perfect. Yep. We'll resolve the the portfolio issue today because I can do that quite simply, and I'll put together the the plan for that quite quickly for you.","start_word":1879,"end_word":1908,"sentiment":"positive","sentiment_score":0.6237327456474304},{"text":"Outside of that, let's just talk about a couple of main goals. Because like you said, everything here is for an outcome, and we're trying to get towards an outcome at some point.","start_word":1909,"end_word":1941,"sentiment":"neutral","sentiment_score":0.2577654719352722},{"text":"So I would like to have more joint discussions with you guys later on just I would to make appreciate sure that that. your Yep. joint joint retirement goals come into effect together because that's part of the service.","start_word":1942,"end_word":1980,"sentiment":"positive","sentiment_score":0.4737260639667511},{"text":"Right?","start_word":1981,"end_word":1981,"sentiment":"neutral","sentiment_score":0.2723376154899597},{"text":"As you you've become a client together, you've referred your wife, you've placed trust in us to look after her situation as well.","start_word":1982,"end_word":2004,"sentiment":"positive","sentiment_score":0.350665420293808},{"text":"But at the same time, retirement is something that you're both gonna do towards the same time together. Correct? Yep. Perfect. Correct. So at your age at the moment, you've got thirteen years and you till you can access the super at 60. That's your Yep. preservation age. Afterwards, age pension's unavailable till 67. Right? So we're talking quite a few years still. We've we've got thirteen years until preservation, maybe another five to seven after that if you wanna go that far. Does that make sense? Yep. Make sense at all. Completely. Yep. Now when I've got your retirement goal here listed as $1,500 per week, My quick calculation is that you need somewhere between 700,000 and 1,500,000 in assets to produce that income either for twenty years or for a hundred years. That's kind of what we're aiming at, if that makes sense. Say that again? So if we get you to, let's say, 700,000 in the Mhmm. super, Mhmm. that can produce 1,500 per week tax free for about twenty, twenty five years past life expectancy. Mhmm. Right. And is That that after 50? correct. Okay. Now Sorry. Is that for the individual, though, or individual. So individual. that's why Okay. I'm trying to think, okay, if 1,500 per week with the mortgage paid off is what I've got listed for your retirement goal, Mhmm. Do you believe that that would be sufficient for both of you, or we would need an additional amount? If 1,500 is per individual and That's mortgage what I'm is paid, I'm well, you you tell me if it is enough. thinking. Let's say I'm going to live till 80.","start_word":2005,"end_word":2282,"sentiment":"neutral","sentiment_score":0.10263002331522728},{"text":"Perfect.","start_word":2283,"end_word":2283,"sentiment":"positive","sentiment_score":0.45431873202323914},{"text":"So the government standards, they do a bit of a retirement standards where they say a couple should have around about 78,000, which is around about that amount. That's before having a mortgage paid off, and you do have an investment property, don't you? Yes. K. But that one's gonna be sold? Yes. But it won't get sold this year, but, yes, it will get sold soon. K. Just briefly, once that gets sold, what's the intention there? Is that to just pay off the mortgage, get another place? What's the thinking there? Once it is sold, focus the money that I save now, it's it's a lot of money that we're paying because of the interest rates. So Yes. everything that paid is going to go towards Yep. And when you say that, that means pay off the mortgage, maximize your contributions, retirement. all that kind of thing. Yes. Yes.","start_word":2284,"end_word":2434,"sentiment":"neutral","sentiment_score":0.07150498777627945},{"text":"Precisely. Perfect.","start_word":2435,"end_word":2436,"sentiment":"positive","sentiment_score":0.4979124069213867},{"text":"So what I'll do is when we update the portfolio for your hub 24, I'll include the updated projections, and we'll factor in those maximum contributions, see how that looks. Just bear in mind, this financial year, it's 32,500 combined. They've increased the cap a little bit this financial year. Yes. Yes. Correct.","start_word":2437,"end_word":2489,"sentiment":"neutral","sentiment_score":0.18984736502170563},{"text":"Perfect.","start_word":2490,"end_word":2490,"sentiment":"positive","sentiment_score":0.5421379804611206},{"text":"Outside of that, you did have a bit of savings in an offset account. Is that essentially being pulled aside to AVE, pay off the mortgage, but also as a bit of an emergency fund? The savings, I do not remember what number you have. I think we had about 70,000. That might be a bit old. That's quite old, mate. Yep. So that 70 is gone now. So, yeah, you can just mark it as zero. We don't have any savings anymore. Yep. So that also crosses out the idea of doing some investing for the time being. There's no point trying to throw $50,000 into a managed fund account to grow Yeah. wealth No. if we need to build up savings first and pay off the mortgage. Does that sound right? Yeah. That was what we wanted, but life closed closed the curve ball every now and then. Yep. Sure does. Yeah. No. That's fine. So what I need to make sure that we can do is that with the contributions that are going in, the growth of the investments and the additional contributions, that we can at least solidify the retirement goal. And are you wanting me to make sure that we can try and get there by age 60, like, as early as possible, or are you okay to go a few extra years? If it's required, yeah. But we don't, yeah, don't intend to go beyond 60 currently. Yep. So intention is 60 if possible. And if you have to work one or two extra years, you will do so only if required. Yes. Yep.","start_word":2491,"end_word":2760,"sentiment":"neutral","sentiment_score":0.004767187405377626},{"text":"Perfect. That's good.","start_word":2761,"end_word":2763,"sentiment":"positive","sentiment_score":0.441328763961792},{"text":"And you're still senior banner sorry, senior business analyst for Shell Energy at the moment? Yes. That's correct. We've just hit end of financial year. Has the income changed from 148,000 for the year coming up now? Yes. It is $1.53 now. Yep. $1.53. Easy done. Okay. Let's have a look. We've got the cars. We've got the investment property that'll go. Just in terms of debt values, just for a moment, then I can dive in the portfolio with you. We had you owing about 707,000 for your main residence and 6 Mhmm. 90 for the investment property. Mhmm. The latest numbers just bear with me. No worries at all. For the owner occupier now, it is $6.92. Do you want it to the do you want to know it till the exact same? No. That's fine. Rough round figures is okay. Then yeah. If I round it off, it is $6.92 or $6.93, somewhere between those two offers. Yep. And for the investment property? For the investment property, 677. 677. Right.","start_word":2764,"end_word":2936,"sentiment":"neutral","sentiment_score":0.03258332989119381},{"text":"Perfect.","start_word":2937,"end_word":2937,"sentiment":"positive","sentiment_score":0.40050023794174194},{"text":"Just Okay. give me That's one sec. all. Yeah. No worries. Yeah. Okay. Sorry. I'm back. Tell me. No. Perfect. Yep. I've got the debt values listed. I've looked up an online evaluation. The only owner occupier, they're they're saying about 827,000, but what would you say for the main residence? For the main residency, I got it valued for my loan last November. But since then, the prices the market's fallen down. Yep. The bank will do to price the value at 9 when the property at $9.50. K. $9.50. No. That's perfectly fine. I'll go off $9.50 for now. I know it has dropped down a little bit, but you know how these cycles, they tend to bump back up again over time. It doesn't Yeah. take too long. Yeah. You And can just probably lastly, mark it you can mark the owner occupier at around 900, frankly. I I think that's was looking pretty at reasonable. the market right now. Yeah.","start_word":2938,"end_word":3101,"sentiment":"neutral","sentiment_score":-0.014121247455477716},{"text":"The market's so bad. There's no nobody available for $9.","start_word":3102,"end_word":3111,"sentiment":"negative","sentiment_score":-0.4109853506088257},{"text":"50 for the property. Yep. Okay. 900 flat. And Yep. just lastly, the investment property, that was $8.50 previously. No. That was also an estimate. Oh, that was a bank estimate, though. I did put it up for sale this year, and, yeah, I think the property is valued for 800. We couldn't sell it beyond that. We Yeah. wouldn't get any offers beyond that, so I'll stick to 800. K. So this is part of what you're saying about, you know, life throws you some curveballs, the savings goes, but then at Yep. the same time, property market's affecting you guys as well. Yep. Exactly. Exactly. I think it's honestly, like I don't mean to overstep, Gidge, but being able to divest out of that property when you know it's no longer serving you, especially if it's costing you a lot of money, trying to clear 700,000 worth of debt while maintaining a property that may be negatively geared at the time, that's pretty difficult to do.","start_word":3111,"end_word":3278,"sentiment":"neutral","sentiment_score":-0.15473930511091435},{"text":"So I think what you're looking to do makes a lot of sense.","start_word":3279,"end_word":3291,"sentiment":"positive","sentiment_score":0.33354923129081726},{"text":"It may not feel good knowing that, you know, maybe a year or two ago, you could have got a bit more for it, but you can't hang on to something that's a bad apple for too long worrying about what could have been two years ago, if that makes sense. Yes. Yes. And exactly with this thought, we had put it up for sale. In Yep. fact, I'm paying out of my pocket for the, you know, staging and everything, Yeah. and not a single offer within the range of what we expect. Yep. See, the aim is if I sell the property, I at least should have at least 100,000 in my hand so that Yep. by taking away all the other expenses. I'm sure it's not going to attract any CGT for me, but commission costs and all of those costs for the agency, it should at least give me 100. So that's what I'm looking for.","start_word":3292,"end_word":3451,"sentiment":"neutral","sentiment_score":-0.049008771777153015},{"text":"But, yep, no no luck. No walk ins. And thanks to the government, you know, setting up those rules for investors, it's driven everyone out. Yeah. The the foot traffic just disappeared. Everyone's there's a lot of fear in the market at the moment, and it may continue on for the rest of the year until Exactly. people start dipping their toe back in.","start_word":3452,"end_word":3515,"sentiment":"negative","sentiment_score":-0.529198944568634},{"text":"Right? Exactly.","start_word":3516,"end_word":3517,"sentiment":"neutral","sentiment_score":-0.28416258096694946},{"text":"And that is what's actually hurting us.","start_word":3518,"end_word":3524,"sentiment":"negative","sentiment_score":-0.6607654094696045},{"text":"That is the exact thing we started this January Yep. to get I put it on market for five months and no progress, and we hardly Wow. had any walk ins. Yeah. Okay.","start_word":3525,"end_word":3557,"sentiment":"neutral","sentiment_score":-0.1672596362504092},{"text":"So I think your site has been affected quite heavily too, and especially your area as well compared to some.","start_word":3558,"end_word":3577,"sentiment":"negative","sentiment_score":-0.3350268602371216},{"text":"Yep. I would just hazard just a bit of patience on it. I I know it's painful, but these things do tend to kind of even out over time. That's, you know, the market's liquid. It's kind of like a a bit of water. It flows where it needs to. And And they put the gates up and it stops flowing, and then all of a sudden it starts seeping under and and goes back there. So it may be painful for this year, but, you know, you're going in the right direction with it.","start_word":3578,"end_word":3672,"sentiment":"neutral","sentiment_score":-0.17207658290863037},{"text":"It just may not come to fruition until next year.","start_word":3673,"end_word":3682,"sentiment":"negative","sentiment_score":-0.3882402777671814},{"text":"Yeah. Exactly. But it is it is, it is up for sale. There's no doubt about it. I've tried to put it give it to an agency that does off market sales also. So it is I'm already in the period of that exclusive authority as we speak. So if it gets sold, it gets sold. It's up in the market right now Yep. straight away.","start_word":3683,"end_word":3748,"sentiment":"neutral","sentiment_score":0.14143456518650055},{"text":"Perfect.","start_word":3749,"end_word":3749,"sentiment":"positive","sentiment_score":0.484050452709198},{"text":"Yeah. I'll Yeah. keep a note on file about the properties. We'll keep an eye on those. With the reduction of the insurances that you did earlier in the year, you haven't had too much of a change in debt levels, income levels, anything like that. So just double checking with you, the 1,500,000 for life insurance, disability insurance, do you still feel that's okay at the moment? Mhmm. Yeah. Yeah. I think so. I think what we were at earlier was 1.7 or 1.8 or something of that sort. That was Yes. I was trying to cover off the debts for the two properties. So that's what I was look you know, that's the psyche behind it. So with the increasing cost of living and the rates and everything, I just thought, you know what? I think I'm just under the 1.5 now, so I'll Yep. cover myself with the K. 1.5. Yep. So that's the cost down just to see if it makes money on the super. Yeah. Yeah. That's the one thing that I'm kind of worried about is that when that increases next year in March, it's not too bad in the late forties, but the moment you hit forty nine fifty, the insurance starts to accelerate very quickly with age, and it'll become 6,000, 8,000, 10,000, 12,000 over the period of four or five years very quickly. So I need to keep a lid Mhmm. on the cost because if the soup is growing well, contributions are good. You don't want the fees to be dragging it back down again. Exactly. And that's what has been happening on my account. I've been keeping an eye on it, income versus expenditure and profit or whatever you may call it.","start_word":3750,"end_word":4042,"sentiment":"neutral","sentiment_score":-0.03556701763447234},{"text":"It's not really a great performance if you ask me.","start_word":4043,"end_word":4052,"sentiment":"negative","sentiment_score":-0.3549056053161621},{"text":"I don't know what else to do. Do you are you recommending that the insurance should still go down No. to I keep think they're the cost fine down? for the time being. What I would do is if you sell off that property and then Mhmm. we touch base in the New Year, if Mhmm. that property is then gone and you don't need to cover off on those debts before the increase happens, they'll give us a notice within thirty to sixty days to tell us what the price changes, and then we can look at trimming it down again. Sure. And that way before that next amount comes out, we can have it all lined up. Sure. Perfect. That sound alright?","start_word":4053,"end_word":4176,"sentiment":"neutral","sentiment_score":-0.04524979740381241},{"text":"I'm happy.","start_word":4177,"end_word":4178,"sentiment":"positive","sentiment_score":0.38803884387016296},{"text":"Yeah. Yeah. Yeah. Perfect. Yeah. I'm happy to take a review of it immediately when those rates come along and yep. I'm Yep.","start_word":4179,"end_word":4201,"sentiment":"neutral","sentiment_score":0.29662302136421204},{"text":"more than happy.","start_word":4202,"end_word":4204,"sentiment":"positive","sentiment_score":0.44824522733688354},{"text":"With your income protection, so one of the things you've got to keep keep in mind for income protection is you have the the full benefit features in terms of a thirty day waiting period, which is great. You don't have Mhmm. to wait two months, three months for it to kick in, and it pays you all the way up to the age of 65, if that rings a bell. Now Yep. what It tends does. to Yeah. happen, it's currently protecting you for an income of a $153,800 because it's been slowly increasing with inflation Mhmm.","start_word":4205,"end_word":4302,"sentiment":"neutral","sentiment_score":0.19156219996511936},{"text":"to cover you for income increases, which is great.","start_word":4303,"end_word":4311,"sentiment":"positive","sentiment_score":0.45115193724632263},{"text":"Mhmm. But that is the most expensive one as well. So, yes, once the debt's cleared, we can trim down the life insurance, the disability insurance. The income protection through the fifties, that'll start to jump up a couple thousand dollars Mhmm. as well. Okay. Okay. Now because you don't currently have the savings right now, you need to keep it as a thirty day waiting period. But once you have it built up, we can push it out to sixty or ninety days to reduce the premiums significantly as it starts to increase to offset that. Yep. Yep.","start_word":4312,"end_word":4410,"sentiment":"neutral","sentiment_score":0.005985225085169077},{"text":"Cool.","start_word":4411,"end_word":4411,"sentiment":"positive","sentiment_score":0.44661957025527954},{"text":"In addition, once you have lower debts and not that many years until age 65, you could also trim down the benefit period to five years as well as a as a cost saving measure. So for the next five to eight years, we can very easily keep on top of the price of it as long as we review the waiting period according to your savings and the benefit period according to how much that would save. Mhmm. Yep. Sure. We could So do that that. basically Yep. means your income is protected for as long as possible, and the soup is not being eaten away too quickly. As that bit increases, those are the two levers that we can pull as well as shopping around to other insurers if they can offer a better deal as well. Yep. That makes sense. K. So I'll put in for a bit of a catch up in the New Year to review the insurances, make sure we get ahead of any price increases. If for some reason it takes a couple extra days and the premiums come out, they do give you pro rata refunds. So if it's three hundred and sixty five days and it takes us a week, they'll give you a 99% refund. So we still got a little bit of time, Yep. if that makes sense. Yeah. Yeah. Sure. Yeah. We've got time. And, yes, they do return the MoneyPro databases. Yep. Yep.","start_word":4412,"end_word":4657,"sentiment":"neutral","sentiment_score":0.1786051094532013},{"text":"Perfect.","start_word":4658,"end_word":4658,"sentiment":"positive","sentiment_score":0.480185866355896},{"text":"Now when it comes to the portfolio itself, so this is a pretty simple equation for me, to be perfectly honest. You're sitting in a growth risk level inside the super at the moment. You know that kind of four out of five on the risk scale, 80% in growth assets, shares, property, gold. Does that does that ring a bell? Say that again? So the growth risk profile, which is that Mhmm. kind of 80 in growth assets, 20% in the safer kind of assets. Yes. Eighty twenty. Correct. Yeah. Yeah. Yeah. Yep. Eighty twenty.","start_word":4659,"end_word":4754,"sentiment":"neutral","sentiment_score":0.02102455124258995},{"text":"So the only ways to really get the super accelerated is higher returns or higher risk, reduce fees or put more money in, is essentially the four things. We keep on top of the insurance premiums. That's number one. You're already gonna maximize your contributions.","start_word":4755,"end_word":4799,"sentiment":"positive","sentiment_score":0.42577072978019714},{"text":"That's number two. It sounds to me that if I was to put you into some high growth portfolio and I called you in nine months' time and your super was sitting at 92 Mhmm. thousand dollars, don't think you would be very happy with that with your kids.","start_word":4800,"end_word":4848,"sentiment":"neutral","sentiment_score":-0.06790658831596375},{"text":"No. No. Nobody wants that, man.","start_word":4849,"end_word":4854,"sentiment":"negative","sentiment_score":-0.5550019145011902},{"text":"So what what that basically points to is those underperforming investment options that are in there, mainly the option. We have to replace those with some better options to get it back up to the double digit returns Yep. because it should be doing at least 9% on average. And the portfolio that we do have where we have replaced that and done some research, they are hitting that twelve, thirteen, 14% that you need. Sure. I've been asking Kyle to look at the Benelon and get those thing, you know, divest it even if it's a loss or something Yep. so that you recover it from another investment that is performing well. But it's I think I believe that Benelon is still is part of my holdings in the super and probably shows, what, 17,000, 18,000 right now? 17.5. 17.5. Exactly. So, Yep. yep, if it's not performing, yes, finally someone's talking about it.","start_word":4855,"end_word":5009,"sentiment":"neutral","sentiment_score":-0.023944111540913585},{"text":"So, yes, I'm happy if there's a recommendation and you do know for sure that whatever is not performing, we divest and move.","start_word":5010,"end_word":5032,"sentiment":"positive","sentiment_score":0.3860126733779907},{"text":"Yeah. Let's let's have a look at it. Yeah.","start_word":5033,"end_word":5041,"sentiment":"neutral","sentiment_score":0.11753641068935394},{"text":"So to keep that nice and straightforward, when I'm looking at your options that are in there, your all of your international options are doing fantastic.","start_word":5042,"end_word":5067,"sentiment":"positive","sentiment_score":0.49204105138778687},{"text":"S and P 500, you've got global shares.","start_word":5068,"end_word":5075,"sentiment":"neutral","sentiment_score":0.2542670667171478},{"text":"That's great.","start_word":5076,"end_word":5077,"sentiment":"positive","sentiment_score":0.6631616353988647},{"text":"Cybersecurity has kicked back up again with the AI issues. Battery tech and lithium, that's your electric vehicles.","start_word":5078,"end_word":5095,"sentiment":"neutral","sentiment_score":0.13912104070186615},{"text":"That's going great. Gold is going great.","start_word":5096,"end_word":5102,"sentiment":"positive","sentiment_score":0.48911017179489136},{"text":"Basically, what we need to do is fine tune three options out of the portfolio and slot in some replacements. So Benelong is number one. The Mhmm. other one is the bank hybrids that are being phased out by the government the next couple of years. While we can stay in there for a little while, if everybody sells off out of that one, it could actually drop quite quickly even though it's supposed to be a safe asset. So we have to divest out of that one as well. Yep. Sure. Sure. Can you can you if I log in to the Hub 24, can Yep. you guide me through what screen you're looking at and what is an equivalent screen that I can look at so that what you say is I can kind of follow what you're Yeah. Absolutely. So if you log in to the Hub 24, your login's different than an adviser saying. login. Yep. We normally go off very in-depth reports, Mhmm. but your your dashboard should be able to show you the options that you have towards, you know, just on the front screen dashboard. If Yep. you go down a little bit, it should show you the options and those little four digit codes. So it shows me investment. See, I'm on the dashboard portfolio dashboard screen right now. Yep. After that graph account balance graph, it shows me investments, also listed securities, managed funds, and cash, and Yep. then it has super or superannuation contributions tracker, adviser contact, then asset allocation by asset class, three pie charts, basically.","start_word":5103,"end_word":5369,"sentiment":"neutral","sentiment_score":0.009187139570713043},{"text":"Perfect.","start_word":5370,"end_word":5370,"sentiment":"positive","sentiment_score":0.4251561760902405},{"text":"With Yep. the Australian listed securities, the managed funds, and the cash, does it show you the underlying options, the name of the options in that section? No. It does not. So on the pie chart for buy asset class, I can see Australian equity is 24.4%, but it's Yep. just a colored, you know, part of the pie chart with the percentage. It does not show me which Austen equities or which Gotcha. global equities. Yeah. Yep. And if So you just go up above there where it said Australian mhmm. list Oh, of securities yeah. Yeah. and managed funds, can you expand that at all? Like, click on it and it opens up? Yeah. Let me I can go in horizontal mode. Oh, yep. In the horizontal mode, it shows me the quantity price, price date, and market value. Okay. Yep. And that should have one, two, three, four, five, six, seven, eight options under securities and the one managed fund in Benelon. Yep. Eight and one Benelong and then cash. Yep. Correct. Yep. Correct. So what I'm basically looking at in these is Yep. ACDC at the top. That's your electric vehicles. BHYB, that's the one that's being phased out as a term deposit type vehicle. Mhmm. Mhmm. Gold cybersecurity composite bonds, that all looks great. S and P 500, that's the best. The property one, second last one there, VINEC Yep. property. A bit strange, but in Australia, obviously, property is one of the the go tos long term for the best returns. But these property funds are actually tracking property companies.","start_word":5371,"end_word":5636,"sentiment":"neutral","sentiment_score":-0.000598291421827293},{"text":"And since the government came out with the CGT changes and negative gearing, those companies have taken a quite a large hit in their values even though Mhmm. property market still, generally speaking, has been quite high for the last three to five years.","start_word":5637,"end_word":5680,"sentiment":"negative","sentiment_score":-0.4713649153709411},{"text":"Mhmm. Yep. So Yep. outside of a self managed super fund, which they've just banned, I do have to get you out of that option because the the property companies themselves, there's a lot of insolvencies Sure. Okay. So that's $6.03 $39. I do not see how much I've invested, as in how much is the loss on that. on at the moment. It's only 300.","start_word":5681,"end_word":5746,"sentiment":"neutral","sentiment_score":-0.20045922515970288},{"text":"That's good.","start_word":5747,"end_word":5748,"sentiment":"positive","sentiment_score":0.5695003867149353},{"text":"Okay. So MVA, Yep. when when I property is is something that will divest. And BHYB, how much is that valued at? It's $141.52, but how much have You invested $1,419.03. I invested? Oh, just $40 here and there. Yeah. Yeah. Okay. Cool. So those are the two that you recommend to be die divested and then use that 20,000 to invest in something else? Yeah. What I would like to do is so with the Benelon, Mhmm. yes, I will get a replacement option for that, but I also Mhmm. wanna make sure that it's not too high in Australian equities because that 25% that you saw, 25 is okay. We might go Mhmm. a little bit lower, but I'll I'll have a little look. But I don't wanna put in $30.40 percent into that because the international side is what's growing a lot stronger. Mhmm. Okay. Now to kind of guide me a little bit, you've kind of already had the conversation previously with Kyle, but just give me a gut feeling on this one. Bennelong is an active fund manager, pay high fees, try and get a high return. They have essentially failed at that mandate, and we don't believe that they will increase again. Now the replacement options, Hub twenty four has the most options in the entire country, and there's 1,300 there. It's the biggest investment Yeah. menu. I can replace that with just a nice, beautiful, low fee ETF that tracks the Aussie market. That'll reduce those investment fees by about 90%, and it'll be back onto double digit returns for that asset class. Mhmm. Yep. I Okay. do have another act active fund manager that I've researched with the investment committee, which we have put Mina Lynn, which is Alfiniti, and it has been outperforming the Aussie market over one, three, five, and ten years. So I can do the same investment option that she has to try and outperform the market, or I can go a little bit lower fee with yours. Okay. And with the few with the free style on the one that you're recommending with Meehl, how the fees are the same as Benelung or less? 10% less than Venmo. Okay. How much have I lost in Benelung right now? How much of a loss does it show in Benelung? 3,400. So Okay. any Yeah. sale of that one, we will use to offset any of the other gains to minimize the capital gains tax, and that'll reduce that impact a little bit when we switch it. Yep. We could not have any capital gains tax, right, because this is a capital loss that we're booking, isn't So correct. So if there's any of the other ones that are positive that I would like to rebalance or it? update, Oh, yeah. Yeah. I can do that and offset it for free, and that'll save 15 Sure. Yep. Then, yep. See, mate, I'll leave it for your better judgment to guide me through this. If you think you have to percent. go to one of the ETFs or you think the one that you know investment, one of those things for me know is the same that you should do for mine. I trust your judgment on it. Yep. Yeah, because the way I see it is I'm paying month on month 1.1%. Yeah. No. I believe we hang on. Let me double check. Yeah. The 1.1% is yearly split Yearly. into Sorry. monthly Yearly. payments, Yeah. Yeah. but we have kept the fees off of your account until we can resolve Mino's insurances and provide you with this advice. So we canceled it a couple of months ago, Mhmm. and I will not get you to sign another one until I have that advice in front of you to read and make sure you're happy with the advice. Okay. Alright. So you guys are aware of service issues? Alright. I did see some file notes about things Yep. that you had raised, Yep. and I'm definitely coming into this conversation. I wanted to make sure that I could address that with you.","start_word":5749,"end_word":6441,"sentiment":"neutral","sentiment_score":0.08706672186459298},{"text":"I appreciate that. Alright.","start_word":6442,"end_word":6445,"sentiment":"positive","sentiment_score":0.5832707285881042},{"text":"That's So, okay. yeah. So, Tommy, I leave it with with your expert understanding and knowledge and decision making with this. If you're if you're seeing both of them are doing double digits, I'll leave it for you to decide which one to go to. Frankly, that's that's the reason why I'm with you guys. You know? Yeah. I was with AustralianSuper. It was doing, what, eight percent before I came to you guys. And I didn't know what they were doing, but they're still giving me 8%. So Yeah.","start_word":6446,"end_word":6535,"sentiment":"neutral","sentiment_score":0.1576855182647705},{"text":"you see so I'm with you guys for your advice, frankly. One thing I think I should do, which will be a little bit of fun for me, is why don't I put you in the low fee option for the time being?","start_word":6536,"end_word":6578,"sentiment":"positive","sentiment_score":0.3640892207622528},{"text":"We'll let Mhmm. it run for twelve months, Mhmm. and then we'll compare how both of you guys have gone over that period. And if one of you would like to switch to the other style, we can make sure you're both in the same thing. But that way, you can see how it both plays out over the year. Sure. Yeah.","start_word":6579,"end_word":6640,"sentiment":"neutral","sentiment_score":0.2422097325325012},{"text":"Probably, that's a good way to look at it.","start_word":6641,"end_word":6649,"sentiment":"positive","sentiment_score":0.37108924984931946},{"text":"Also, probably, you might want to think of recovering the money, the 3,000 and the other few $100 a year, say, $4,000 that has been lost with Benelon and the other two, how do we make it, you know, get it back kind of thing. So probably that could Yep. be also another focus, yeah, for your decision.","start_word":6650,"end_word":6707,"sentiment":"neutral","sentiment_score":0.14031662046909332},{"text":"Absolutely. And I think once we've got that fixed up, most of those portfolios where we have looked at those options, they're they're right back up into the twelve, thirteen, 14%, and it'll catch up very quickly over a period of the stock market going up, you will get that accelerated benefit.","start_word":6708,"end_word":6759,"sentiment":"positive","sentiment_score":0.44894498586654663},{"text":"Yep. Yeah. Yeah. Sure. K.","start_word":6760,"end_word":6764,"sentiment":"neutral","sentiment_score":0.26808249950408936},{"text":"Hopefully, that can happen like that.","start_word":6765,"end_word":6770,"sentiment":"positive","sentiment_score":0.3830930292606354},{"text":"Yeah. It's it's one of those things where I don't have a crystal ball to protect predict when Oh, the stock yeah. market's gonna go up and down, but Yeah. I do know how these behave over Yeah. the last three, five, ten, twenty years. And I can say with with certainty that both of these options will at least do far better than if we with Ben Long for any further or move back to even Australian Super. Mhmm. Yeah. Yeah. Sure. K. Cool. Alright. I will fast track this a little bit. Please bear with me for a moment just because I have just come back from leave having a third child. So my calendar is is quite booked up for the next couple of weeks, but I Yep.","start_word":6771,"end_word":6901,"sentiment":"neutral","sentiment_score":0.02967840140216223},{"text":"will get you in at the top of the list.","start_word":6902,"end_word":6911,"sentiment":"positive","sentiment_score":0.36348581314086914},{"text":"Yep.","start_word":6912,"end_word":6912,"sentiment":"neutral","sentiment_score":0.30514419078826904},{"text":"Sure. Congratulations. We'll thank you. I have two boys and now a girl, and Oh, wow. I've been having best time. Like, the boys, they love her.","start_word":6913,"end_word":6939,"sentiment":"positive","sentiment_score":0.533812403678894},{"text":"One seven, one three. They always wanna help grab the clothes and the nappies and grab the dummy, and they're probably kissing her a bit too much.","start_word":6940,"end_word":6966,"sentiment":"neutral","sentiment_score":0.2512229382991791},{"text":"I'm having a good time.","start_word":6967,"end_word":6971,"sentiment":"positive","sentiment_score":0.5092207789421082},{"text":"But as soon as I got back, I had you booked in with me, and I looked at my calendar and went, oh, no. I'm booked out till, like, the September 10. Cool. Cool. Cool. That's fine. That's fine. Anytime after the tenth. But do Yep. remember, I am traveling overseas. So September 17 will be my last day in Melbourne, and I'm coming back on the second or the October 3. That's a Sunday. So I would if if we have to have a call between the tenth and seventeenth, I would prefer to have it earlier to the closer Yep. to the Monday than the later part of the week. Seventeen is when I travel, so I won't be available on the seventeenth, the day I travel. So yeah. So somewhere Okay. between Monday, Tuesday, could be yeah. If that's So let me have a look at time frame. So I do early shift on a Monday where I'm available decently early in the morning and then leave to pick up the kids. And then Tuesday, I've got a late night. So would you prefer early or late? Sorry. Just give me one sec. The ten goes. Right? Yeah. I'm looking at the seventh and the eighth at the moment. Oh, seven. Yeah. I was wondering which the tenth is on a Thursday. Sorry. So are you but you said you're not available till the tenth. Right? Let's have a look. Yeah. Which It'll means the have fourteenth? to be yeah. Sorry. The fourteenth is probably the best day for you because seventeenth, you're off, Yep. and I'm closed out that week beforehand mostly. So fourteenth and fifteenth. Are we thinking Monday morning or Tuesday evening? Monday Oh, or Monday morning. What what time do you think you reckon it's you're available, if I may actually, ask? daylight savings in Victoria, doesn't that start in September? Nope. They'll start in October. October 4. Okay.","start_word":6972,"end_word":7297,"sentiment":"neutral","sentiment_score":0.020705893424345305},{"text":"Thank gosh.","start_word":7298,"end_word":7299,"sentiment":"positive","sentiment_score":0.45568734407424927},{"text":"Yeah. Yeah. Didn't wanna mistime the appointment there. Yeah. Yeah. So I'm available anytime between 08:30 onwards in the morning Mhmm. on the Monday or anytime after, sorry, one to four on the Tuesday or 6PM on the Tuesday, Tuesday. 6PM. I think that Tuesday, 6PM works better because I will have no classes to drive around for. And Yep. I I reckon email will also be available by that time. 6PM.","start_word":7300,"end_word":7371,"sentiment":"neutral","sentiment_score":0.12147703021764757},{"text":"Perfect.","start_word":7372,"end_word":7372,"sentiment":"positive","sentiment_score":0.4580737054347992},{"text":"Yeah. Yeah. So I mean what I'll yeah. do in between, Kitch, is Yep. I'll put together the updated portfolio. Yeah. I'll put a flag in for a discussion in the New Year about the insurances when we get the anniversary notice. We'll Mhmm. Yep.","start_word":7373,"end_word":7417,"sentiment":"neutral","sentiment_score":0.2023845762014389},{"text":"maximize the contributions for the time being, let you build up your savings, let you focus on the property goals.","start_word":7418,"end_word":7437,"sentiment":"positive","sentiment_score":0.4083738923072815},{"text":"Yep. And in the interim, I'll have a chat with Dana and see what's going on with consolidation, if that's happening or not. And then we'll touch base on the fifteenth on the evening to get the super portfolio updated. How's that sound for you? Yep.","start_word":7438,"end_word":7483,"sentiment":"neutral","sentiment_score":0.1288439780473709},{"text":"That that does work. That does help.","start_word":7484,"end_word":7490,"sentiment":"positive","sentiment_score":0.5608282089233398},{"text":"With Dana, I'm not sure. Is is she a is she just like an intern or something like Kyle was? Or is she a full time adviser with you guys? I'm not sure. But one of the expectations or an aim or a hope Mhmm. was if I get across onboarded with you guys as well, then both our supers are with one with one person, and we get one solid advice across the two supers is how I had kind of thought about it that it'll work that way. Yep. I I don't mean anything bad for Dana or anything in when I say this, but I was hoping if if you're going to be looking after my super account, then I would prefer that you look after her, Mino's, as well. I do not know if having a different set of eyes will help or not. It's it's it's all wishful thinking, isn't it? But my aim and Mino's aim, they converge at a point. And if that point is known by one person, then it helps a lot is what I believe. I do not know how you guys see this within the business, but is that possible is the question. Yeah. I think with most clients, we do discuss strategies as a group to make sure we're all across everything that may Sure. be beneficial for people. I think Mhmm. it would be a good idea if I look after both yours and Mino's. And that way, we can have those joint retirement discussions, tile Yes. that in together, make sure someone understands both situations and the combined situation. How's that sound? Yes.","start_word":7491,"end_word":7767,"sentiment":"neutral","sentiment_score":0.10443048179149628},{"text":"I prefer that. Cool.","start_word":7768,"end_word":7771,"sentiment":"positive","sentiment_score":0.40543365478515625},{"text":"So I'll have a look into that for the time being. When it comes to that appointment on the fifteenth, I will only have enough time to go through the updated portfolio with you, but then we can schedule in a bit of a joint retirement discussion afterwards. Yes, sir. Yeah.","start_word":7772,"end_word":7822,"sentiment":"neutral","sentiment_score":0.26545703411102295},{"text":"Sure. That will make a lot of sense.","start_word":7823,"end_word":7830,"sentiment":"positive","sentiment_score":0.439509391784668},{"text":"Yep. We Yep.","start_word":7831,"end_word":7833,"sentiment":"neutral","sentiment_score":0.2621733397245407},{"text":"can do Cool. that.","start_word":7834,"end_word":7837,"sentiment":"positive","sentiment_score":0.5682591795921326},{"text":"So I'll make sure that anything that comes through for me now comes through to me, and we'll have individual conversations if we need to if they're small enough. If we need to do any joint planning for larger goals, we'll have those as joint discussions.","start_word":7838,"end_word":7883,"sentiment":"neutral","sentiment_score":0.24636363983154297},{"text":"Agreed. Sounds Perfect. like a plan. Alrighty.","start_word":7884,"end_word":7890,"sentiment":"positive","sentiment_score":0.5756069421768188},{"text":"Is there anything else I can do for you in in the interim between now and that appointment? Just a question. How is Yeah. the HubSpot repur account fairing? As in, how much have I put in? What is the current value? And what is the percentage gain? What is the movement? We've just jumped up 6% recently. Let me have a look. Mhmm. So let's say for the last financial year, what are what is the dollar value of my contributions versus what is the market value after all expenses? And how much is it performing? So let me have a quick look. We've got $135,000 up to $1.63.5 at the moment. Mhmm. And if I look at a bit of a report here, we've got twelve month report, income, capital growth. Okay. So 10,600 worth of net growth, Mhmm. 20,000 worth of net income after fees and premiums, which is your your contributions after tax. So tax came out, premiums came out, contributions have netted to around 20, and there's about 10,000 worth of growth. Yes. And over what dollar value? From $1.30 to $1.60, dollar value, 10,600. Mhmm. What's the denominator there? That Benelon option is what's brought it down for that year. I've got S and P 500 up 9,000. Gold up 5. Battery tech up three. Realistically, Sorry. we I'm should I'm yes. Sorry. yeah. Go on. So I was just gonna say that the aim should be about 15 to 30 is what we're kind of aiming for if we get that 10 to 15% that we're looking for. Sorry. What were you saying? Yeah. No. What I meant is you've given me two figures, 10,600 and 20,000 something. But Yep. is that $20,000 in fees for the year? Oh, no. Sorry. $20,000 is the the net contributions after tax insurance premiums and fees. Oh, okay. And Yep. So, yeah, yeah. 30,000 Okay. go in. You had the 4,000 of premiums come out, 15 Mhmm. percent super tax, then the hub and the oak view fees, 20 Mhmm. thousand kind of net contributed, and then 10,600 worth of net growth after investment fees. Yeah. Okay. Okay.","start_word":7891,"end_word":8252,"sentiment":"neutral","sentiment_score":0.021051345449661352},{"text":"Cool. Cool.","start_word":8253,"end_word":8254,"sentiment":"positive","sentiment_score":0.43895846605300903},{"text":"So are we hitting the target 10 to 15% growth year on year? Are we Alright. or Five year is. Twelve are months is is 6%, so we a little bit below. But once not? we get that Benelon switched out, it'll go back up. Okay. Alright.","start_word":8255,"end_word":8301,"sentiment":"neutral","sentiment_score":0.11535292863845824},{"text":"Alright. Cool. I look forward to that call then on the fifteenth. Let's see Easy how Easy done. everybody have in plan, and we move along. Awesome.","start_word":8302,"end_word":8328,"sentiment":"positive","sentiment_score":0.5539371371269226},{"text":"And, Kij, I do wanna say thank you for, one, being frank with me about your concerns. Two, thank you for actually having a a discussion with me without just yelling at all the staff and being rude.","start_word":8329,"end_word":8366,"sentiment":"neutral","sentiment_score":0.2123909294605255},{"text":"I appreciate you being candid and polite.","start_word":8367,"end_word":8373,"sentiment":"positive","sentiment_score":0.3822991549968719},{"text":"You know, we do get people who get grumpy about their employer putting the wrong thing in the wrong spot and yell at our staff for that, so I wanna thank you for Yep. Yeah, man.","start_word":8374,"end_word":8409,"sentiment":"neutral","sentiment_score":-0.13593067228794098},{"text":"Yelling does not help that. anyone. Being rude neither does help anyone. So, yeah, I'm laughing about it ultimately, but there is going to be a point in time where I'll probably put my foot down and say, you know what? I've done I've been laughing about it for quite some time, and no one's probably taking me seriously.","start_word":8410,"end_word":8468,"sentiment":"negative","sentiment_score":-0.42018580436706543},{"text":"But yeah. It's Yeah. just what it is.","start_word":8469,"end_word":8476,"sentiment":"neutral","sentiment_score":-0.1806701272726059},{"text":"I I believe it can take if I were running a business and getting a customer onboard takes eighteen months, I'm not running the right business in the right way, mate.","start_word":8477,"end_word":8507,"sentiment":"negative","sentiment_score":-0.41369855403900146},{"text":"I mean, Yeah. Realistically, it should be like a couple of weeks kind of thing. And, you know, at most, if there's any issues, like a month. But, maybe. A month, yeah, couple of months because of unknown factors I'm like insurance companies. Yeah. I understand. But eighteen yeah. months.","start_word":8508,"end_word":8557,"sentiment":"neutral","sentiment_score":-0.12123367190361024},{"text":"That's that's a very uncomfortable experience.","start_word":8558,"end_word":8563,"sentiment":"negative","sentiment_score":-0.5600671768188477},{"text":"So, Yeah. look, Yeah. I'll do my best for you guys. And if you have I to put appreciate. your foot down, you do. And in the interim, I'll just keep doing what I'm doing.","start_word":8564,"end_word":8598,"sentiment":"neutral","sentiment_score":0.17515085637569427},{"text":"Oh, no worries, mate. I I appreciate that, and that's what I'm hoping for. Now that I'm speaking to a senior adviser, I'm sure that I I'm I mean, we can work together to to reach whatever goals or achieve whatever goals we can together.","start_word":8599,"end_word":8643,"sentiment":"positive","sentiment_score":0.4843133091926574},{"text":"Yeah.","start_word":8644,"end_word":8644,"sentiment":"neutral","sentiment_score":0.31607258319854736},{"text":"Yeah. I look Cool. forward to it, mate. Cool. Oh, me too, mate. Thank you very much. That's alright, Kij. Thank you again, and I'll talk to you in a couple of weeks. Yes, mate. Cheers. Thank you very much. Thanks for the call. See you later.","start_word":8645,"end_word":8691,"sentiment":"positive","sentiment_score":0.5638834834098816},{"text":"Bye. Hey, mate. Bye.","start_word":8692,"end_word":8695,"sentiment":"neutral","sentiment_score":0.25899457931518555}],"average":{"sentiment":"neutral","sentiment_score":0.04931019951906386}}}}