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Do you still have some time for me today? Beautiful. Beautiful. So I've got a bit of a pack I'm gonna send out to your email there. Will you be able to look onto it with me, or should I just walk you through what's coming by? Yep. Cool. Mate, while I'm popping that through, Theo, just wanna quickly check security with you if that's okay. Just need your date of birth and address. Sensational. Thank you very much for that, Brad. And I'm registered with Attic as adviser 1273105. So thank you for doing that. Now, mate, I've got a couple of things I wanted to touch on today regarding the super there and just some details to quickly update with you. But before I jump into it, anything in particular that you'd like to focus on for this review? Perfect. So just a bit of a general update, that kind of thing. Sensational. So just before I jump into the super there, I've got you listed down I believe you moved from Victoria to South Australia, but you're still doing the truck driving for sergeant transport. Is that right? Is that local truck driving or long distance long haul? Fantastic. And oh, jeez. Okay. That could be a bit fun. And you're not hauling any explosives or anything crazy, are you? So sensational. I think I had you at about a 130,000 on the income. Has that changed much after the tax year just ended? Okay. Cool. So I'll kind of leave it at that for the time being. I might just have a quick look at the contributions and see if there's any big differences that I can spot. But they seem to be coming in pretty smoothly from work, so no issues I can currently see, mate. And last couple of things I wanted to just quickly update, we just Just in terms of assets and liability, we only really had you noted down with a couple of credit cards and some personal loans. Is that right? Oh, fantastic. Congratulations on that. And have you managed to, like, purchase any property or shares or anything like that? Cool. And just in terms of, like, cash flow and savings, have you managed to build up any kind of savings buffer, or is that kind of on the cards for you for the next few years as well? Yeah. Yeah. And do you know if you've got, like, a set amount that you're able to put away now, or you're still trying to figure it out a little bit? Yep. No. No. No worries at all. So what I won't do is we probably won't look at doing any, like, personal investments or contributions to Super at this point if you're just trying to settle into the new state and everything? Beautiful. And last one, in terms of details, did you end up putting, like, a a will in place or a power of attorney? That's alright. Now I'm just looking at the beneficiary nominations for the super there. Was there anyone in particular you wanted me to put down for the super itself outside of, like, a will and your personal assets? This is okay. Cool. So options there for it because oh, actually, quick double check point. With your sisters, are they would they count as, like, a financial dependent, like, living together and and you're looking after them kind of thing, or is that just kind of your most closest next to kin? Cool. So the two options are, when it comes to the super, you can nominate the super to go into your name, which is like your estate with your shoes and your car and your savings. And then through a will, you can actually distribute it out to your sisters with all your other assets and everything. But if we don't put the will in place and I put the nomination in place, then the superintendents tend to get tied up in that probate process through the court. So what I wanted to ask you was, do you want me to kinda just hold off on that one until you do get a will in place, or do you still want me to put that in there if you're gonna do it quite soon? Cool. Awesome. Because, again, I don't wanna kinda jump the gun and lock your super up, and then they've gotta go through the call and all that kind of thing. So alrighty. Just quickly before I jump into the super bed, the insurance side of things, I think you had the the TPD cover with Zurich canceled because you kinda didn't really see the point of it. No value in it, that kind of thing. Is that right? Perfect. So I just needed to double check if you're wanting me to get any kind of quotes for, you know, life insurance or anything like that for this year or if you're happy just to focus on the super. Perfect. Now when it comes to the super, mate, I've got you listed down just going a bit slow and steady with the retirement age, which I think you would just pretty much get a work flight through to sort of pension age and try and get that kind of $1,500 paid out, you know, bit of super for being self funded. What I wanted to ask you about was you can access your super at 60, and the age pension kicks in at 67. So just in terms of time frame, kinda like four versus eleven years is very, very different for investing. Are we still looking more towards the age pension age, or what do you think? Awesome. So are you at all point thinking of, like, kind of slowing down the part time in your sixties, or you just wanna kind of go for as much growth as possible and then just let the super tick away until 70. Perfect. Because whenever I ask that question, I always get two answers. Half the country says, get me out of the bloody rat race tomorrow, and the other half says, I wouldn't know what to do with myself. I'll just keep going until I can't. So that gives us a bit of room to kind of build up the super a lot more as well. Beautiful. So when it comes to the super, as a quick kind of recap for you, so we've got you in a a growth portfolio. So I would kind of count that as, like, a four out of five on the risk scale. You're not a high growth. You're not a high risk, but you're one below that, which is mainly focusing on getting as much growth out of it as possible, but it's not that highest risk level. If that rings a buzz. So so when you're in growth, you kind of want about 80% of your super in growth assets, like shares and property and gold, kind of high risk, high returns, and about 20% sitting in the face of side of things. Does that make sense? Cool. So with a a growth profile, generally speaking, you wanna have at least eight to nine years to invest in that because, obviously, the markets go up and down, and we need to be able to get the growth out of it. But at the same time, you probably don't wanna be sitting in growth at the age of 69, and then you lose a third of your super year before you go to. You know what I mean? So, like, grow it now and then protect it as you get closer. Cool. Any questions on that? Does that general idea make sense for you? Cool. So just having a look at Veronica's advice to you previously when you got moved into Hub twenty four. Now bear in mind, Hub's got kind of the most investment options in the industry right now, And one of the good things is it's got something called aggregated trading. And all that means is that if someone's buying what you're selling or selling what you're buying, we can purchase all those investments we've recommended for you, and it minimizes the the brokerage fee that you would normally pay with other funds. Now what that kinda looks like, I'm having a review of the account here and just looking at each investment option. So a year ago, you were sitting at 248,000, and then we took a little bit of a dip when the war exploded overseas, and it went from two. Exactly right. So your volatility went from two forty seven down to two forty one, and now it's bounced back up to two just shy of two sixty eight. So it's bounced back quite well, but I did wanna let you know that it performed a little bit lower than the usual year just because of that dip in between. So what my job is today is basically I'm looking through this whole portfolio, and you've got a lot of different investments. There's about nine of them. And you've got gold that's going up 13%. Amazing. You've got some Australian shares that have gone up another 18%. That's amazing. Healthcare has gone up 14. Amazing. The only two that have had a dip for you overall for the year is some India shares, which that one's a bit more of a, like, a long term thing. So if you think about the the way the economics is switching, a lot of people are kind of moving the manufacturing out of China and into India, if that rings it up. So what I'm sort of thinking with that one is, like, it's gone down a little bit, but based on our investment committee and what we're thinking is it's kind of like a five and ten year plan for those guys because we're expecting it to go up as things move across from China to India. So that one doesn't worry me too much. The only one that's a bit of a concern is you've got this Benelon Australian shares option, which when the Australian market kind of dipped, it dipped a little bit further. And then when the market came back up in Australia, it hasn't gone up as much. So, overall, what I'm kind of seeing is that you've had that kind of 15,000 worth of growth out of the fund, but that one's kind of dropped you down a little bit, including what happened overseas as well. So what I'm kind of thinking at this point, Brad, if you're comfortable, is I wanna kind of put a bit of a flag on this one and just keep an eye on it for the next few months leading up to Christmas and see either, a, if it bounces back. And then if it doesn't bounce back, maybe I can look at replacing that one, do a bit of an engine tune up on the super portfolio. Okay? So what I would normally do is, like, after the reviews, we would obviously pencil in to contact you in twelve months' time. But I'm gonna try and contact you before Christmas because I don't wanna kinda leave at twelve months if that one continues to do what it's doing. K. Is that okay with you if I contact you sort of once halfway through the year and then again for that next full year? Cool. I'm gonna do a bit of background research in in the background. Now we're obviously gonna make recommendations down the line for you. But just in terms of style, because Hub's got, like, a 300 options there, I need to kind of whittle it down a little bit. No long answer to this question, Brad, but if you had to pick between low fee investments or higher fee for a higher return, where do you kinda lean between the two? Okay. Alrighty. Yeah. Yep. So what I'm thinking then is I'm gonna put a flag on this option. And then next time I talk to you, if that one hasn't picked up its game by, say, November, December, I'm gonna switch it out for a lower fee option. It's a passive option that'll kind of drop the fees down and be a bit more closer to following the the usual stock market. So, you know, have you ever seen on the news where they talk about the the indexes where they say, you know, the ASX and the Dow Jones and the Hang Seng and all those types of names? Yep. So instead of paying extra for a fund manager to try and beat it, we're probably gonna look at something that follows those a bit closer for lower cost. Cool. So I'm not gonna do anything in terms of changing the risk level at the moment unless you're wanting to kind of bump it up to high risk to try and bump the returns up. But if you're comfortable, I was just kinda looking at, again, flag this. If it hasn't done its thing, I'll switch into some lower fee investments towards the end of the year. Okay. So you leave that in my court. We will get in touch with you before the end of the year. Just have a quick catch up together, and and then I'll have done some research in between now and then on some suitable options as well. Cool. Alrighty. So at this point, I've sent through that review pack for you. And just to let you know kind of what's there oh, thanks, mate. Just to let you know what you have done, We're doing a little lawsuit for search, which is just ping the government system to see if there's any super funds floating around. Only reason why I'm doing that too is because sometimes the old insurance policies pop up on the system too. So I just wanna make sure that's all good and closed in the background. Tax phone number opt in there. Again, the tax phone numbers are pretty important. So what we're doing with that form is just keeping the number on one form rather than in all the digital systems for the hackers to grab. And just a bit of an update for you as well. So the fee agreement that you just signed for the consent with. So we haven't changed anything fee wise. It's still the 1.65%. But Barton Seve are doing up a bit of a tiered structure next year. So everybody above 200,000, they're gonna start to get some discount from next year onwards as well. So once we've got the paperwork done, before Christmas, I'll go through the portfolio with you and see if we change it. And then next review, there should be some discounts on our fees as well. Awesome, mate. Any questions for me at this point? Cool. And the other little quick thing I was gonna leave you with is when it comes like, the will and everything, I know solicitors can charge an arm and a leg. If it's helpful, you can get government approved will kits from Australia Post. They're, like, $25 a pop. So if that helps at least get something in place, just wanted to kinda let you know there's a few options out there. Awesome. Now I do appreciate you taking the time today. Oh, sorry. You go. So when we catch up next to the portfolio, I'll just quickly ping you and see if you managed to get it sorted or not. And if you have, we'll update the beneficiaries then as well. Amazing. Well, thank you very much for your time today, mate. I will go away and do some of that research there, and then just keep an ear out later in the year for us to kind of book in for a quick catch up for the super. If anything else just pops up in between, just give us a buzz. Awesome, Brad. You have a fantastic weekend, mate, and thank you again for your time. See you later. 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day, Brad. It's Tommy here, senior adviser from Oakview, mate. How are you doing today? Mate, I've just got you booked in for a bit of an annual review. Do you still have some time for me today?\n\nBeautiful. Beautiful. So I've got a bit of a pack I'm gonna send out to your email there. Will you be able to look onto it with me, or should I just walk you through what's coming by? Yep.\n\nCool. Mate, while I'm popping that through, Theo, just wanna quickly check security with you if that's okay. Just need your date of birth and address. Sensational. Thank you very much for that, Brad.\n\nAnd I'm registered with Attic as adviser 1273105. So thank you for doing that. Now, mate, I've got a couple of things I wanted to touch on today regarding the super there and just some details to quickly update with you. But before I jump into it, anything in particular that you'd like to focus on for this review? Perfect.\n\nSo just a bit of a general update, that kind of thing. Sensational. So just before I jump into the super there, I've got you listed down I believe you moved from Victoria to South Australia, but you're still doing the truck driving for sergeant transport. Is that right? Is that local truck driving or long distance long haul?\n\nFantastic. And oh, jeez. Okay. That could be a bit fun. And you're not hauling any explosives or anything crazy, are you?\n\nSo sensational. I think I had you at about a 130,000 on the income. Has that changed much after the tax year just ended? Okay. Cool.\n\nSo I'll kind of leave it at that for the time being. I might just have a quick look at the contributions and see if there's any big differences that I can spot. But they seem to be coming in pretty smoothly from work, so no issues I can currently see, mate. And last couple of things I wanted to just quickly update, we just Just in terms of assets and liability, we only really had you noted down with a couple of credit cards and some personal loans. Is that right?\n\nOh, fantastic. Congratulations on that. And have you managed to, like, purchase any property or shares or anything like that? Cool. And just in terms of, like, cash flow and savings, have you managed to build up any kind of savings buffer, or is that kind of on the cards for you for the next few years as well?\n\nYeah. Yeah. And do you know if you've got, like, a set amount that you're able to put away now, or you're still trying to figure it out a little bit? Yep. No.\n\nNo. No worries at all. So what I won't do is we probably won't look at doing any, like, personal investments or contributions to Super at this point if you're just trying to settle into the new state and everything? Beautiful. And last one, in terms of details, did you end up putting, like, a a will in place or a power of attorney?\n\nThat's alright. Now I'm just looking at the beneficiary nominations for the super there. Was there anyone in particular you wanted me to put down for the super itself outside of, like, a will and your personal assets? This is okay. Cool.\n\nSo options there for it because oh, actually, quick double check point. With your sisters, are they would they count as, like, a financial dependent, like, living together and and you're looking after them kind of thing, or is that just kind of your most closest next to kin? Cool. So the two options are, when it comes to the super, you can nominate the super to go into your name, which is like your estate with your shoes and your car and your savings. And then through a will, you can actually distribute it out to your sisters with all your other assets and everything.\n\nBut if we don't put the will in place and I put the nomination in place, then the superintendents tend to get tied up in that probate process through the court. So what I wanted to ask you was, do you want me to kinda just hold off on that one until you do get a will in place, or do you still want me to put that in there if you're gonna do it quite soon? Cool. Awesome. Because, again, I don't wanna kinda jump the gun and lock your super up, and then they've gotta go through the call and all that kind of thing.\n\nSo alrighty. Just quickly before I jump into the super bed, the insurance side of things, I think you had the the TPD cover with Zurich canceled because you kinda didn't really see the point of it. No value in it, that kind of thing. Is that right? Perfect.\n\nSo I just needed to double check if you're wanting me to get any kind of quotes for, you know, life insurance or anything like that for this year or if you're happy just to focus on the super. Perfect. Now when it comes to the super, mate, I've got you listed down just going a bit slow and steady with the retirement age, which I think you would just pretty much get a work flight through to sort of pension age and try and get that kind of $1,500 paid out, you know, bit of super for being self funded. What I wanted to ask you about was you can access your super at 60, and the age pension kicks in at 67. So just in terms of time frame, kinda like four versus eleven years is very, very different for investing.\n\nAre we still looking more towards the age pension age, or what do you think? Awesome. So are you at all point thinking of, like, kind of slowing down the part time in your sixties, or you just wanna kind of go for as much growth as possible and then just let the super tick away until 70. Perfect. Because whenever I ask that question, I always get two answers.\n\nHalf the country says, get me out of the bloody rat race tomorrow, and the other half says, I wouldn't know what to do with myself. I'll just keep going until I can't. So that gives us a bit of room to kind of build up the super a lot more as well. Beautiful. So when it comes to the super, as a quick kind of recap for you, so we've got you in a a growth portfolio.\n\nSo I would kind of count that as, like, a four out of five on the risk scale. You're not a high growth. You're not a high risk, but you're one below that, which is mainly focusing on getting as much growth out of it as possible, but it's not that highest risk level. If that rings a buzz. So so when you're in growth, you kind of want about 80% of your super in growth assets, like shares and property and gold, kind of high risk, high returns, and about 20% sitting in the face of side of things.\n\nDoes that make sense? Cool. So with a a growth profile, generally speaking, you wanna have at least eight to nine years to invest in that because, obviously, the markets go up and down, and we need to be able to get the growth out of it. But at the same time, you probably don't wanna be sitting in growth at the age of 69, and then you lose a third of your super year before you go to. You know what I mean?\n\nSo, like, grow it now and then protect it as you get closer. Cool. Any questions on that? Does that general idea make sense for you? Cool.\n\nSo just having a look at Veronica's advice to you previously when you got moved into Hub twenty four. Now bear in mind, Hub's got kind of the most investment options in the industry right now, And one of the good things is it's got something called aggregated trading. And all that means is that if someone's buying what you're selling or selling what you're buying, we can purchase all those investments we've recommended for you, and it minimizes the the brokerage fee that you would normally pay with other funds. Now what that kinda looks like, I'm having a review of the account here and just looking at each investment option. So a year ago, you were sitting at 248,000, and then we took a little bit of a dip when the war exploded overseas, and it went from two.\n\nExactly right. So your volatility went from two forty seven down to two forty one, and now it's bounced back up to two just shy of two sixty eight. So it's bounced back quite well, but I did wanna let you know that it performed a little bit lower than the usual year just because of that dip in between. So what my job is today is basically I'm looking through this whole portfolio, and you've got a lot of different investments. There's about nine of them.\n\nAnd you've got gold that's going up 13%. Amazing. You've got some Australian shares that have gone up another 18%. That's amazing. Healthcare has gone up 14.\n\nAmazing. The only two that have had a dip for you overall for the year is some India shares, which that one's a bit more of a, like, a long term thing. So if you think about the the way the economics is switching, a lot of people are kind of moving the manufacturing out of China and into India, if that rings it up. So what I'm sort of thinking with that one is, like, it's gone down a little bit, but based on our investment committee and what we're thinking is it's kind of like a five and ten year plan for those guys because we're expecting it to go up as things move across from China to India. So that one doesn't worry me too much.\n\nThe only one that's a bit of a concern is you've got this Benelon Australian shares option, which when the Australian market kind of dipped, it dipped a little bit further. And then when the market came back up in Australia, it hasn't gone up as much. So, overall, what I'm kind of seeing is that you've had that kind of 15,000 worth of growth out of the fund, but that one's kind of dropped you down a little bit, including what happened overseas as well. So what I'm kind of thinking at this point, Brad, if you're comfortable, is I wanna kind of put a bit of a flag on this one and just keep an eye on it for the next few months leading up to Christmas and see either, a, if it bounces back. And then if it doesn't bounce back, maybe I can look at replacing that one, do a bit of an engine tune up on the super portfolio.\n\nOkay? So what I would normally do is, like, after the reviews, we would obviously pencil in to contact you in twelve months' time. But I'm gonna try and contact you before Christmas because I don't wanna kinda leave at twelve months if that one continues to do what it's doing. K. Is that okay with you if I contact you sort of once halfway through the year and then again for that next full year?\n\nCool. I'm gonna do a bit of background research in in the background. Now we're obviously gonna make recommendations down the line for you. But just in terms of style, because Hub's got, like, a 300 options there, I need to kind of whittle it down a little bit. No long answer to this question, Brad, but if you had to pick between low fee investments or higher fee for a higher return, where do you kinda lean between the two?\n\nOkay. Alrighty. Yeah. Yep. So what I'm thinking then is I'm gonna put a flag on this option.\n\nAnd then next time I talk to you, if that one hasn't picked up its game by, say, November, December, I'm gonna switch it out for a lower fee option. It's a passive option that'll kind of drop the fees down and be a bit more closer to following the the usual stock market. So, you know, have you ever seen on the news where they talk about the the indexes where they say, you know, the ASX and the Dow Jones and the Hang Seng and all those types of names? Yep. So instead of paying extra for a fund manager to try and beat it, we're probably gonna look at something that follows those a bit closer for lower cost.\n\nCool. So I'm not gonna do anything in terms of changing the risk level at the moment unless you're wanting to kind of bump it up to high risk to try and bump the returns up. But if you're comfortable, I was just kinda looking at, again, flag this. If it hasn't done its thing, I'll switch into some lower fee investments towards the end of the year. Okay.\n\nSo you leave that in my court. We will get in touch with you before the end of the year. Just have a quick catch up together, and and then I'll have done some research in between now and then on some suitable options as well. Cool. Alrighty.\n\nSo at this point, I've sent through that review pack for you. And just to let you know kind of what's there oh, thanks, mate. Just to let you know what you have done, We're doing a little lawsuit for search, which is just ping the government system to see if there's any super funds floating around. Only reason why I'm doing that too is because sometimes the old insurance policies pop up on the system too. So I just wanna make sure that's all good and closed in the background.\n\nTax phone number opt in there. Again, the tax phone numbers are pretty important. So what we're doing with that form is just keeping the number on one form rather than in all the digital systems for the hackers to grab. And just a bit of an update for you as well. So the fee agreement that you just signed for the consent with.\n\nSo we haven't changed anything fee wise. It's still the 1.65%. But Barton Seve are doing up a bit of a tiered structure next year. So everybody above 200,000, they're gonna start to get some discount from next year onwards as well. So once we've got the paperwork done, before Christmas, I'll go through the portfolio with you and see if we change it.\n\nAnd then next review, there should be some discounts on our fees as well. Awesome, mate. Any questions for me at this point? Cool. And the other little quick thing I was gonna leave you with is when it comes like, the will and everything, I know solicitors can charge an arm and a leg.\n\nIf it's helpful, you can get government approved will kits from Australia Post. They're, like, $25 a pop. So if that helps at least get something in place, just wanted to kinda let you know there's a few options out there. Awesome. Now I do appreciate you taking the time today.\n\nOh, sorry. You go. So when we catch up next to the portfolio, I'll just quickly ping you and see if you managed to get it sorted or not. And if you have, we'll update the beneficiaries then as well. Amazing.\n\nWell, thank you very much for your time today, mate. I will go away and do some of that research there, and then just keep an ear out later in the year for us to kind of book in for a quick catch up for the super. If anything else just pops up in between, just give us a buzz. Awesome, Brad. You have a fantastic weekend, mate, and thank you again for your time.\n\nSee you later. Cheers.","paragraphs":[{"sentences":[{"text":"Good day, Brad.","start":1.92,"end":2.56,"sentiment":"positive","sentiment_score":0.43576398491859436},{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":2.56,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2939820569008589},{"text":"How are you doing today?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2963869571685791},{"text":"Mate, I've just got you booked in for a bit of an annual review.","start":8.0,"end":10.96,"sentiment":"neutral","sentiment_score":0.16384764228548324},{"text":"Do you still have some time for me today?","start":10.96,"end":12.615,"sentiment":"neutral","sentiment_score":0.0803107689652178}],"sentiment":"neutral","sentiment_score":0.20917300278177628,"num_words":39,"start":1.92,"end":12.615},{"sentences":[{"text":"Beautiful.","start":15.094999,"end":15.575,"sentiment":"positive","sentiment_score":0.6524102687835693},{"text":"Beautiful.","start":15.575,"end":15.974999,"sentiment":"positive","sentiment_score":0.6274405717849731},{"text":"So I've got a bit of a pack I'm gonna send out to your email there.","start":15.974999,"end":19.414999,"sentiment":"neutral","sentiment_score":0.22092564590275288},{"text":"Will you be able to look onto it with me, or should I just walk you through what's coming by?","start":19.414999,"end":23.435,"sentiment":"neutral","sentiment_score":0.1292374711483717},{"text":"Yep.","start":26.949999,"end":27.189999,"sentiment":"neutral","sentiment_score":0.15184229612350464}],"sentiment":"neutral","sentiment_score":0.19362186907957762,"num_words":39,"start":15.094999,"end":27.189999},{"sentences":[{"text":"Cool.","start":27.189999,"end":27.689999,"sentiment":"neutral","sentiment_score":0.3012312650680542},{"text":"Mate, while I'm popping that through, Theo, just wanna quickly check security with you if that's okay.","start":27.99,"end":34.41,"sentiment":"neutral","sentiment_score":0.1184522255378611},{"text":"Just need your date of birth and address.","start":36.149998,"end":38.41,"sentiment":"neutral","sentiment_score":0.039415183942765},{"text":"Sensational.","start":55.19,"end":55.69,"sentiment":"neutral","sentiment_score":0.1711972802877426},{"text":"Thank you very much for that, Brad.","start":55.989998,"end":57.19,"sentiment":"positive","sentiment_score":0.6898074150085449}],"sentiment":"neutral","sentiment_score":0.22441440459121675,"num_words":34,"start":27.189999,"end":57.19},{"sentences":[{"text":"And I'm registered with Attic as adviser 1273105.","start":57.19,"end":61.43,"sentiment":"positive","sentiment_score":0.33359988406300545},{"text":"So thank you for doing that.","start":61.43,"end":62.625,"sentiment":"positive","sentiment_score":0.6048134217659632},{"text":"Now, mate, I've got a couple of things I wanted to touch on today regarding the super there and just some details to quickly update with you.","start":64.705,"end":72.785,"sentiment":"neutral","sentiment_score":0.13777215226932807},{"text":"But before I jump into it, anything in particular that you'd like to focus on for this review?","start":72.785,"end":77.76,"sentiment":"neutral","sentiment_score":0.057076735215054616},{"text":"Perfect.","start":82.4,"end":82.8,"sentiment":"neutral","sentiment_score":0.0565168559551239}],"sentiment":"neutral","sentiment_score":0.18502376340329646,"num_words":60,"start":57.19,"end":82.8},{"sentences":[{"text":"So just a bit of a general update, that kind of thing.","start":82.8,"end":85.22,"sentiment":"neutral","sentiment_score":-0.024948595091700554},{"text":"Sensational.","start":87.840004,"end":88.340004,"sentiment":"neutral","sentiment_score":0.056409802287817},{"text":"So just before I jump into the super there, I've got you listed down I believe you moved from Victoria to South Australia, but you're still doing the truck driving for sergeant transport.","start":89.200005,"end":100.485,"sentiment":"neutral","sentiment_score":0.0047513257190020695},{"text":"Is that right?","start":100.545,"end":101.285,"sentiment":"neutral","sentiment_score":0.023953368266423542},{"text":"Is that local truck driving or long distance long haul?","start":103.105,"end":106.92,"sentiment":"neutral","sentiment_score":0.0031061350367963315}],"sentiment":"neutral","sentiment_score":0.00028376042511377294,"num_words":59,"start":82.8,"end":106.92},{"sentences":[{"text":"Fantastic.","start":109.0,"end":109.5,"sentiment":"neutral","sentiment_score":0.29319602251052856},{"text":"And oh, jeez.","start":118.92,"end":120.135,"sentiment":"neutral","sentiment_score":0.05134235074122747},{"text":"Okay.","start":120.695,"end":121.195,"sentiment":"neutral","sentiment_score":0.1187174990773201},{"text":"That could be a bit fun.","start":121.495,"end":122.695,"sentiment":"neutral","sentiment_score":0.18662836154301962},{"text":"And you're not hauling any explosives or anything crazy, are you?","start":122.695,"end":125.755005,"sentiment":"neutral","sentiment_score":-0.0404727198606865}],"sentiment":"neutral","sentiment_score":0.056386855663731694,"num_words":22,"start":109.0,"end":125.755005},{"sentences":[{"text":"So sensational.","start":129.41501,"end":130.235,"sentiment":"neutral","sentiment_score":-0.07836690917611122},{"text":"I think I had you at about a 130,000 on the income.","start":131.175,"end":134.295,"sentiment":"neutral","sentiment_score":-0.07504306857784589},{"text":"Has that changed much after the tax year just ended?","start":134.295,"end":139.01,"sentiment":"neutral","sentiment_score":-0.10799888893961906},{"text":"Okay.","start":142.91,"end":143.23,"sentiment":"neutral","sentiment_score":0.0005139298737049103},{"text":"Cool.","start":143.23,"end":143.55,"sentiment":"neutral","sentiment_score":-0.02330067753791809}],"sentiment":"neutral","sentiment_score":-0.08307793378256835,"num_words":26,"start":129.41501,"end":143.55},{"sentences":[{"text":"So I'll kind of leave it at that for the time being.","start":143.55,"end":146.05,"sentiment":"neutral","sentiment_score":0.019066985386113327},{"text":"I might just have a quick look at the contributions and see if there's any big differences that I can spot.","start":146.35,"end":152.145,"sentiment":"neutral","sentiment_score":0.053259325524171196},{"text":"But they seem to be coming in pretty smoothly from work, so no issues I can currently see, mate.","start":152.765,"end":157.50499,"sentiment":"neutral","sentiment_score":0.2932315751125938},{"text":"And last couple of things I wanted to just quickly update, we just Just in terms of assets and liability, we only really had you noted down with a couple of credit cards and some personal loans.","start":160.285,"end":170.59001,"sentiment":"neutral","sentiment_score":0.043132738688507595},{"text":"Is that right?","start":170.59001,"end":171.41,"sentiment":"neutral","sentiment_score":0.05699579790234566}],"sentiment":"neutral","sentiment_score":0.09440813383654408,"num_words":92,"start":143.55,"end":171.41},{"sentences":[{"text":"Oh, fantastic.","start":174.35,"end":175.17,"sentiment":"positive","sentiment_score":0.7529551982879639},{"text":"Congratulations on that.","start":175.63,"end":177.225,"sentiment":"positive","sentiment_score":0.8179927468299866},{"text":"And have you managed to, like, purchase any property or shares or anything like that?","start":179.625,"end":183.645,"sentiment":"neutral","sentiment_score":0.15520699173212052},{"text":"Cool.","start":185.785,"end":186.285,"sentiment":"neutral","sentiment_score":0.04220670089125633},{"text":"And just in terms of, like, cash flow and savings, have you managed to build up any kind of savings buffer, or is that kind of on the cards for you for the next few years as well?","start":186.425,"end":196.40001,"sentiment":"neutral","sentiment_score":0.03880482686585501}],"sentiment":"neutral","sentiment_score":0.13228446838714308,"num_words":59,"start":174.35,"end":196.40001},{"sentences":[{"text":"Yeah.","start":215.705,"end":216.02501,"sentiment":"neutral","sentiment_score":0.035661667585372925},{"text":"Yeah.","start":216.02501,"end":216.345,"sentiment":"neutral","sentiment_score":0.03313405066728592},{"text":"And do you know if you've got, like, a set amount that you're able to put away now, or you're still trying to figure it out a little bit?","start":216.345,"end":222.42,"sentiment":"neutral","sentiment_score":-0.002281507236304982},{"text":"Yep.","start":225.12,"end":225.59999,"sentiment":"neutral","sentiment_score":0.016252901405096054},{"text":"No.","start":225.59999,"end":225.76,"sentiment":"neutral","sentiment_score":-0.034453459084033966}],"sentiment":"neutral","sentiment_score":-0.00047177422057950133,"num_words":33,"start":215.705,"end":225.76},{"sentences":[{"text":"No.","start":225.76,"end":226.0,"sentiment":"neutral","sentiment_score":-0.038770515471696854},{"text":"No worries at all.","start":226.0,"end":227.04,"sentiment":"neutral","sentiment_score":-0.07161845825612545},{"text":"So what I won't do is we probably won't look at doing any, like, personal investments or contributions to Super at this point if you're just trying to settle into the new state and everything?","start":227.04,"end":238.265,"sentiment":"neutral","sentiment_score":-0.13900001432214465},{"text":"Beautiful.","start":241.365,"end":241.865,"sentiment":"neutral","sentiment_score":0.2595461308956146},{"text":"And last one, in terms of details, did you end up putting, like, a a will in place or a power of attorney?","start":242.325,"end":248.105,"sentiment":"neutral","sentiment_score":0.03308563930508883}],"sentiment":"neutral","sentiment_score":-0.06515201585716568,"num_words":64,"start":225.76,"end":248.105},{"sentences":[{"text":"That's alright.","start":254.51001,"end":255.25,"sentiment":"neutral","sentiment_score":0.038690634071826935},{"text":"Now I'm just looking at the beneficiary nominations for the super there.","start":256.75,"end":260.835,"sentiment":"neutral","sentiment_score":0.04667338511596123},{"text":"Was there anyone in particular you wanted me to put down for the super itself outside of, like, a will and your personal assets?","start":261.395,"end":268.935,"sentiment":"neutral","sentiment_score":0.02003052147726218},{"text":"This is okay.","start":272.835,"end":273.555,"sentiment":"neutral","sentiment_score":0.2704407374064128},{"text":"Cool.","start":273.555,"end":273.955,"sentiment":"positive","sentiment_score":0.35160839557647705}],"sentiment":"neutral","sentiment_score":0.054312500304409435,"num_words":42,"start":254.51001,"end":273.955},{"sentences":[{"text":"So options there for it because oh, actually, quick double check point.","start":273.955,"end":279.45,"sentiment":"neutral","sentiment_score":0.11007575512242813},{"text":"With your sisters, are they would they count as, like, a financial dependent, like, living together and and you're looking after them kind of thing, or is that just kind of your most closest next to kin?","start":279.45,"end":290.175,"sentiment":"neutral","sentiment_score":0.05416155465551325},{"text":"Cool.","start":292.41498,"end":292.735,"sentiment":"positive","sentiment_score":0.42356035113334656},{"text":"So the two options are, when it comes to the super, you can nominate the super to go into your name, which is like your estate with your shoes and your car and your savings.","start":292.735,"end":303.79498,"sentiment":"neutral","sentiment_score":0.2946057536772319},{"text":"And then through a will, you can actually distribute it out to your sisters with all your other assets and everything.","start":304.25497,"end":310.81,"sentiment":"neutral","sentiment_score":0.2832077024948029}],"sentiment":"neutral","sentiment_score":0.18874537798066465,"num_words":106,"start":273.955,"end":310.81},{"sentences":[{"text":"But if we don't put the will in place and I put the nomination in place, then the superintendents tend to get tied up in that probate process through the court.","start":311.91,"end":321.975,"sentiment":"neutral","sentiment_score":0.08243234743995051},{"text":"So what I wanted to ask you was, do you want me to kinda just hold off on that one until you do get a will in place, or do you still want me to put that in there if you're gonna do it quite soon?","start":322.45502,"end":333.99,"sentiment":"neutral","sentiment_score":0.049753538778294686},{"text":"Cool.","start":338.63,"end":338.87,"sentiment":"neutral","sentiment_score":0.323371946811676},{"text":"Awesome.","start":338.87,"end":339.19,"sentiment":"positive","sentiment_score":0.43371742963790894},{"text":"Because, again, I don't wanna kinda jump the gun and lock your super up, and then they've gotta go through the call and all that kind of thing.","start":339.19,"end":346.09,"sentiment":"neutral","sentiment_score":0.03127451886289886}],"sentiment":"neutral","sentiment_score":0.06053122858925958,"num_words":107,"start":311.91,"end":346.09},{"sentences":[{"text":"So alrighty.","start":348.325,"end":349.065,"sentiment":"neutral","sentiment_score":0.05534449964761734},{"text":"Just quickly before I jump into the super bed, the insurance side of things, I think you had the the TPD cover with Zurich canceled because you kinda didn't really see the point of it.","start":349.765,"end":360.42,"sentiment":"neutral","sentiment_score":-0.1251455917954445},{"text":"No value in it, that kind of thing.","start":361.38,"end":362.98,"sentiment":"negative","sentiment_score":-0.34339165315032005},{"text":"Is that right?","start":362.98,"end":363.72,"sentiment":"neutral","sentiment_score":-0.008829385663072268},{"text":"Perfect.","start":365.54,"end":365.94,"sentiment":"neutral","sentiment_score":0.315205454826355}],"sentiment":"neutral","sentiment_score":-0.13730250287572948,"num_words":49,"start":348.325,"end":365.94},{"sentences":[{"text":"So I just needed to double check if you're wanting me to get any kind of quotes for, you know, life insurance or anything like that for this year or if you're happy just to focus on the super.","start":365.94,"end":376.085,"sentiment":"neutral","sentiment_score":0.20786786480591848},{"text":"Perfect.","start":381.025,"end":381.525,"sentiment":"positive","sentiment_score":0.3692755997180938},{"text":"Now when it comes to the super, mate, I've got you listed down just going a bit slow and steady with the retirement age, which I think you would just pretty much get a work flight through to sort of pension age and try and get that kind of $1,500 paid out, you know, bit of super for being self funded.","start":381.825,"end":400.49002,"sentiment":"neutral","sentiment_score":0.005695157363766529},{"text":"What I wanted to ask you about was you can access your super at 60, and the age pension kicks in at 67.","start":401.75,"end":408.835,"sentiment":"neutral","sentiment_score":0.06609622710991812},{"text":"So just in terms of time frame, kinda like four versus eleven years is very, very different for investing.","start":409.375,"end":416.99,"sentiment":"neutral","sentiment_score":-0.042642582796121896}],"sentiment":"neutral","sentiment_score":0.06666804948769561,"num_words":143,"start":365.94,"end":416.99},{"sentences":[{"text":"Are we still looking more towards the age pension age, or what do you think?","start":417.77,"end":421.47,"sentiment":"neutral","sentiment_score":-0.03746284693479538},{"text":"Awesome.","start":432.805,"end":433.205,"sentiment":"positive","sentiment_score":0.4720233082771301},{"text":"So are you at all point thinking of, like, kind of slowing down the part time in your sixties, or you just wanna kind of go for as much growth as possible and then just let the super tick away until 70.","start":433.205,"end":445.55,"sentiment":"neutral","sentiment_score":0.03397113146881262},{"text":"Perfect.","start":457.24503,"end":457.64502,"sentiment":"positive","sentiment_score":0.4642525315284729},{"text":"Because whenever I ask that question, I always get two answers.","start":457.64502,"end":460.545,"sentiment":"neutral","sentiment_score":0.1586869406429204}],"sentiment":"neutral","sentiment_score":0.0506668143506561,"num_words":70,"start":417.77,"end":460.545},{"sentences":[{"text":"Half the country says, get me out of the bloody rat race tomorrow, and the other half says, I wouldn't know what to do with myself.","start":460.765,"end":466.445,"sentiment":"neutral","sentiment_score":-0.020350630610035017},{"text":"I'll just keep going until I can't.","start":466.445,"end":468.30502,"sentiment":"neutral","sentiment_score":0.06134118352617536},{"text":"So that gives us a bit of room to kind of build up the super a lot more as well.","start":468.52502,"end":473.5,"sentiment":"neutral","sentiment_score":0.27994312047958375},{"text":"Beautiful.","start":476.44,"end":476.94,"sentiment":"positive","sentiment_score":0.4764046967029571},{"text":"So when it comes to the super, as a quick kind of recap for you, so we've got you in a a growth portfolio.","start":477.08,"end":483.98,"sentiment":"neutral","sentiment_score":0.08346640489374597}],"sentiment":"neutral","sentiment_score":0.10229144503290837,"num_words":78,"start":460.765,"end":483.98},{"sentences":[{"text":"So I would kind of count that as, like, a four out of five on the risk scale.","start":484.745,"end":488.905,"sentiment":"neutral","sentiment_score":0.020332198693520494},{"text":"You're not a high growth.","start":488.905,"end":490.10498,"sentiment":"neutral","sentiment_score":-0.09252352491021157},{"text":"You're not a high risk, but you're one below that, which is mainly focusing on getting as much growth out of it as possible, but it's not that highest risk level.","start":490.10498,"end":498.985,"sentiment":"neutral","sentiment_score":-0.028960354025325468},{"text":"If that rings a buzz.","start":498.985,"end":500.07,"sentiment":"neutral","sentiment_score":0.01817048266530037},{"text":"So so when you're in growth, you kind of want about 80% of your super in growth assets, like shares and property and gold, kind of high risk, high returns, and about 20% sitting in the face of side of things.","start":501.99002,"end":515.73505,"sentiment":"neutral","sentiment_score":0.03327412576210208}],"sentiment":"neutral","sentiment_score":0.004606825467199087,"num_words":100,"start":484.745,"end":515.73505},{"sentences":[{"text":"Does that make sense?","start":515.73505,"end":516.715,"sentiment":"neutral","sentiment_score":0.052477842196822166},{"text":"Cool.","start":518.935,"end":519.41504,"sentiment":"neutral","sentiment_score":0.19878897070884705},{"text":"So with a a growth profile, generally speaking, you wanna have at least eight to nine years to invest in that because, obviously, the markets go up and down, and we need to be able to get the growth out of it.","start":519.41504,"end":531.05005,"sentiment":"neutral","sentiment_score":0.06817186393198513},{"text":"But at the same time, you probably don't wanna be sitting in growth at the age of 69, and then you lose a third of your super year before you go to.","start":531.05005,"end":540.51,"sentiment":"neutral","sentiment_score":-0.08135853079147637},{"text":"You know what I mean?","start":540.875,"end":541.515,"sentiment":"neutral","sentiment_score":-0.01153072938323021}],"sentiment":"neutral","sentiment_score":0.007271333242810908,"num_words":84,"start":515.73505,"end":541.515},{"sentences":[{"text":"So, like, grow it now and then protect it as you get closer.","start":541.515,"end":544.255,"sentiment":"neutral","sentiment_score":0.035440026137691275},{"text":"Cool.","start":547.755,"end":548.255,"sentiment":"neutral","sentiment_score":0.1807677000761032},{"text":"Any questions on that?","start":548.395,"end":549.27496,"sentiment":"neutral","sentiment_score":0.017439628951251507},{"text":"Does that general idea make sense for you?","start":549.27496,"end":551.455,"sentiment":"neutral","sentiment_score":0.07695936597883701},{"text":"Cool.","start":553.87,"end":554.11005,"sentiment":"positive","sentiment_score":0.534151017665863}],"sentiment":"neutral","sentiment_score":0.0689286111543576,"num_words":27,"start":541.515,"end":554.11005},{"sentences":[{"text":"So just having a look at Veronica's advice to you previously when you got moved into Hub twenty four.","start":554.11005,"end":560.45,"sentiment":"neutral","sentiment_score":0.16907784852542376},{"text":"Now bear in mind, Hub's got kind of the most investment options in the industry right now, And one of the good things is it's got something called aggregated trading.","start":560.51,"end":570.885,"sentiment":"neutral","sentiment_score":0.24809832125902176},{"text":"And all that means is that if someone's buying what you're selling or selling what you're buying, we can purchase all those investments we've recommended for you, and it minimizes the the brokerage fee that you would normally pay with other funds.","start":571.025,"end":585.74005,"sentiment":"neutral","sentiment_score":0.32550699902432306},{"text":"Now what that kinda looks like, I'm having a review of the account here and just looking at each investment option.","start":588.36005,"end":594.575,"sentiment":"neutral","sentiment_score":0.057303154929762797},{"text":"So a year ago, you were sitting at 248,000, and then we took a little bit of a dip when the war exploded overseas, and it went from two.","start":594.635,"end":606.57,"sentiment":"neutral","sentiment_score":-0.07250981874250133}],"sentiment":"neutral","sentiment_score":0.1661510938210479,"num_words":141,"start":554.11005,"end":606.57},{"sentences":[{"text":"Exactly right.","start":607.85004,"end":608.89,"sentiment":"neutral","sentiment_score":0.13223088160157204},{"text":"So your volatility went from two forty seven down to two forty one, and now it's bounced back up to two just shy of two sixty eight.","start":608.89,"end":616.67,"sentiment":"neutral","sentiment_score":0.056214558995432325},{"text":"So it's bounced back quite well, but I did wanna let you know that it performed a little bit lower than the usual year just because of that dip in between.","start":619.45,"end":628.995,"sentiment":"neutral","sentiment_score":-0.08518520874842521},{"text":"So what my job is today is basically I'm looking through this whole portfolio, and you've got a lot of different investments.","start":633.695,"end":641.23,"sentiment":"neutral","sentiment_score":0.11776456981897354},{"text":"There's about nine of them.","start":641.23,"end":642.61,"sentiment":"neutral","sentiment_score":0.13234889954328538}],"sentiment":"neutral","sentiment_score":0.027518142742672187,"num_words":87,"start":607.85004,"end":642.61},{"sentences":[{"text":"And you've got gold that's going up 13%.","start":642.67,"end":645.38995,"sentiment":"neutral","sentiment_score":0.3180280476808548},{"text":"Amazing.","start":645.38995,"end":645.88995,"sentiment":"positive","sentiment_score":0.6957175731658936},{"text":"You've got some Australian shares that have gone up another 18%.","start":646.58997,"end":650.645,"sentiment":"positive","sentiment_score":0.601303753527728},{"text":"That's amazing.","start":650.645,"end":651.465,"sentiment":"positive","sentiment_score":0.7071444988250732},{"text":"Healthcare has gone up 14.","start":653.125,"end":654.665,"sentiment":"positive","sentiment_score":0.45628889203071593}],"sentiment":"positive","sentiment_score":0.5018524704156099,"num_words":27,"start":642.67,"end":654.665},{"sentences":[{"text":"Amazing.","start":654.725,"end":655.225,"sentiment":"positive","sentiment_score":0.4389714002609253},{"text":"The only two that have had a dip for you overall for the year is some India shares, which that one's a bit more of a, like, a long term thing.","start":655.445,"end":664.86,"sentiment":"neutral","sentiment_score":0.018321383263795607},{"text":"So if you think about the the way the economics is switching, a lot of people are kind of moving the manufacturing out of China and into India, if that rings it up.","start":665.0,"end":675.075,"sentiment":"neutral","sentiment_score":0.05854673265959277},{"text":"So what I'm sort of thinking with that one is, like, it's gone down a little bit, but based on our investment committee and what we're thinking is it's kind of like a five and ten year plan for those guys because we're expecting it to go up as things move across from China to India.","start":681.075,"end":696.76,"sentiment":"neutral","sentiment_score":0.04688567302322814},{"text":"So that one doesn't worry me too much.","start":696.76,"end":698.86,"sentiment":"neutral","sentiment_score":-0.08128950715763494}],"sentiment":"neutral","sentiment_score":0.038095023963138346,"num_words":129,"start":654.725,"end":698.86},{"sentences":[{"text":"The only one that's a bit of a concern is you've got this Benelon Australian shares option, which when the Australian market kind of dipped, it dipped a little bit further.","start":699.48,"end":708.97504,"sentiment":"neutral","sentiment_score":-0.3062956150501005},{"text":"And then when the market came back up in Australia, it hasn't gone up as much.","start":709.275,"end":713.85,"sentiment":"negative","sentiment_score":-0.3714713230729103},{"text":"So, overall, what I'm kind of seeing is that you've had that kind of 15,000 worth of growth out of the fund, but that one's kind of dropped you down a little bit, including what happened overseas as well.","start":717.05,"end":729.585,"sentiment":"neutral","sentiment_score":-0.2461796530928367},{"text":"So what I'm kind of thinking at this point, Brad, if you're comfortable, is I wanna kind of put a bit of a flag on this one and just keep an eye on it for the next few months leading up to Christmas and see either, a, if it bounces back.","start":730.145,"end":745.47,"sentiment":"neutral","sentiment_score":0.0556688362038603},{"text":"And then if it doesn't bounce back, maybe I can look at replacing that one, do a bit of an engine tune up on the super portfolio.","start":745.62994,"end":752.20996,"sentiment":"neutral","sentiment_score":-0.0773042938499539}],"sentiment":"neutral","sentiment_score":-0.14809644508470848,"num_words":164,"start":699.48,"end":752.20996},{"sentences":[{"text":"Okay?","start":754.99,"end":755.49,"sentiment":"neutral","sentiment_score":0.06695344299077988},{"text":"So what I would normally do is, like, after the reviews, we would obviously pencil in to contact you in twelve months' time.","start":755.87,"end":762.185,"sentiment":"neutral","sentiment_score":0.06951275046752847},{"text":"But I'm gonna try and contact you before Christmas because I don't wanna kinda leave at twelve months if that one continues to do what it's doing.","start":762.405,"end":770.025,"sentiment":"neutral","sentiment_score":-0.07013989660750937},{"text":"K.","start":773.525,"end":773.765,"sentiment":"neutral","sentiment_score":0.04808976501226425},{"text":"Is that okay with you if I contact you sort of once halfway through the year and then again for that next full year?","start":773.765,"end":779.57996,"sentiment":"neutral","sentiment_score":0.11422690749168396}],"sentiment":"neutral","sentiment_score":0.03370401368623501,"num_words":76,"start":754.99,"end":779.57996},{"sentences":[{"text":"Cool.","start":782.12,"end":782.62,"sentiment":"positive","sentiment_score":0.44545477628707886},{"text":"I'm gonna do a bit of background research in in the background.","start":782.68,"end":785.82,"sentiment":"neutral","sentiment_score":0.19039208193620047},{"text":"Now we're obviously gonna make recommendations down the line for you.","start":785.95996,"end":789.56,"sentiment":"neutral","sentiment_score":0.2375619953328913},{"text":"But just in terms of style, because Hub's got, like, a 300 options there, I need to kind of whittle it down a little bit.","start":789.56,"end":798.565,"sentiment":"neutral","sentiment_score":-0.02688291557133198},{"text":"No long answer to this question, Brad, but if you had to pick between low fee investments or higher fee for a higher return, where do you kinda lean between the two?","start":799.985,"end":811.48,"sentiment":"neutral","sentiment_score":-0.0025144594546873122}],"sentiment":"neutral","sentiment_score":0.05667661872037031,"num_words":81,"start":782.12,"end":811.48},{"sentences":[{"text":"Okay.","start":823.79504,"end":824.29504,"sentiment":"neutral","sentiment_score":0.016216088086366653},{"text":"Alrighty.","start":825.47504,"end":825.97504,"sentiment":"neutral","sentiment_score":0.01116903591901064},{"text":"Yeah.","start":832.88,"end":833.28,"sentiment":"neutral","sentiment_score":0.053801942616701126},{"text":"Yep.","start":833.28,"end":833.78,"sentiment":"neutral","sentiment_score":0.1135106012225151},{"text":"So what I'm thinking then is I'm gonna put a flag on this option.","start":833.92,"end":837.7,"sentiment":"neutral","sentiment_score":0.0708841902336904}],"sentiment":"neutral","sentiment_score":0.0659486850620144,"num_words":18,"start":823.79504,"end":837.7},{"sentences":[{"text":"And then next time I talk to you, if that one hasn't picked up its game by, say, November, December, I'm gonna switch it out for a lower fee option.","start":838.32,"end":848.645,"sentiment":"neutral","sentiment_score":0.05720158486316602},{"text":"It's a passive option that'll kind of drop the fees down and be a bit more closer to following the the usual stock market.","start":849.42505,"end":857.205,"sentiment":"neutral","sentiment_score":0.16772236550847688},{"text":"So, you know, have you ever seen on the news where they talk about the the indexes where they say, you know, the ASX and the Dow Jones and the Hang Seng and all those types of names?","start":857.69995,"end":868.68,"sentiment":"neutral","sentiment_score":0.04702878162558926},{"text":"Yep.","start":871.065,"end":871.385,"sentiment":"neutral","sentiment_score":0.08940993249416351},{"text":"So instead of paying extra for a fund manager to try and beat it, we're probably gonna look at something that follows those a bit closer for lower cost.","start":871.385,"end":880.525,"sentiment":"neutral","sentiment_score":0.04839719086885452}],"sentiment":"neutral","sentiment_score":0.07394595481608002,"num_words":122,"start":838.32,"end":880.525},{"sentences":[{"text":"Cool.","start":883.385,"end":883.83,"sentiment":"neutral","sentiment_score":0.29289504885673523},{"text":"So I'm not gonna do anything in terms of changing the risk level at the moment unless you're wanting to kind of bump it up to high risk to try and bump the returns up.","start":884.31,"end":895.37,"sentiment":"neutral","sentiment_score":-0.08933264543967588},{"text":"But if you're comfortable, I was just kinda looking at, again, flag this.","start":895.75,"end":899.995,"sentiment":"neutral","sentiment_score":-0.0016925005385508905},{"text":"If it hasn't done its thing, I'll switch into some lower fee investments towards the end of the year.","start":900.21497,"end":905.035,"sentiment":"neutral","sentiment_score":-0.046947335040098744},{"text":"Okay.","start":911.175,"end":911.675,"sentiment":"neutral","sentiment_score":0.08523434400558472}],"sentiment":"neutral","sentiment_score":-0.05307992855491846,"num_words":69,"start":883.385,"end":911.675},{"sentences":[{"text":"So you leave that in my court.","start":912.08997,"end":914.11,"sentiment":"neutral","sentiment_score":0.07511652686766215},{"text":"We will get in touch with you before the end of the year.","start":914.56995,"end":917.37,"sentiment":"neutral","sentiment_score":0.15313645223012337},{"text":"Just have a quick catch up together, and and then I'll have done some research in between now and then on some suitable options as well.","start":917.37,"end":925.79,"sentiment":"neutral","sentiment_score":0.15342425726927245},{"text":"Cool.","start":928.805,"end":928.965,"sentiment":"positive","sentiment_score":0.45631349086761475},{"text":"Alrighty.","start":928.965,"end":929.465,"sentiment":"positive","sentiment_score":0.40790343284606934}],"sentiment":"neutral","sentiment_score":0.15353827457875013,"num_words":48,"start":912.08997,"end":929.465},{"sentences":[{"text":"So at this point, I've sent through that review pack for you.","start":929.925,"end":934.34503,"sentiment":"positive","sentiment_score":0.3463478460907936},{"text":"And just to let you know kind of what's there oh, thanks, mate.","start":934.485,"end":938.985,"sentiment":"neutral","sentiment_score":0.2543995288702158},{"text":"Just to let you know what you have done, We're doing a little lawsuit for search, which is just ping the government system to see if there's any super funds floating around.","start":939.125,"end":946.88,"sentiment":"neutral","sentiment_score":0.0415908137219958},{"text":"Only reason why I'm doing that too is because sometimes the old insurance policies pop up on the system too.","start":947.26,"end":952.935,"sentiment":"neutral","sentiment_score":-0.02871457878500223},{"text":"So I just wanna make sure that's all good and closed in the background.","start":953.175,"end":956.395,"sentiment":"neutral","sentiment_score":0.15477565569537027}],"sentiment":"neutral","sentiment_score":0.11414111726968498,"num_words":91,"start":929.925,"end":956.395},{"sentences":[{"text":"Tax phone number opt in there.","start":959.415,"end":961.035,"sentiment":"neutral","sentiment_score":0.02078278424839179},{"text":"Again, the tax phone numbers are pretty important.","start":961.095,"end":963.095,"sentiment":"neutral","sentiment_score":0.06260799150913954},{"text":"So what we're doing with that form is just keeping the number on one form rather than in all the digital systems for the hackers to grab.","start":963.095,"end":970.87,"sentiment":"neutral","sentiment_score":0.040261009225138915},{"text":"And just a bit of an update for you as well.","start":974.21,"end":976.05,"sentiment":"neutral","sentiment_score":0.13116908141157843},{"text":"So the fee agreement that you just signed for the consent with.","start":976.05,"end":979.75,"sentiment":"neutral","sentiment_score":0.09554711418847243}],"sentiment":"neutral","sentiment_score":0.06721926800673828,"num_words":64,"start":959.415,"end":979.75},{"sentences":[{"text":"So we haven't changed anything fee wise.","start":980.445,"end":982.60504,"sentiment":"neutral","sentiment_score":0.06980891525745392},{"text":"It's still the 1.65%.","start":982.60504,"end":984.705,"sentiment":"neutral","sentiment_score":0.06596907135099173},{"text":"But Barton Seve are doing up a bit of a tiered structure next year.","start":985.085,"end":990.04504,"sentiment":"neutral","sentiment_score":0.07441117375024728},{"text":"So everybody above 200,000, they're gonna start to get some discount from next year onwards as well.","start":990.04504,"end":996.98,"sentiment":"neutral","sentiment_score":0.20439770028871648},{"text":"So once we've got the paperwork done, before Christmas, I'll go through the portfolio with you and see if we change it.","start":996.98,"end":1004.76,"sentiment":"neutral","sentiment_score":0.11435227587141773}],"sentiment":"neutral","sentiment_score":0.12163759529357776,"num_words":64,"start":980.445,"end":1004.76},{"sentences":[{"text":"And then next review, there should be some discounts on our fees as well.","start":1004.82,"end":1009.065,"sentiment":"neutral","sentiment_score":0.1231796954359327},{"text":"Awesome, mate.","start":1013.065,"end":1014.045,"sentiment":"positive","sentiment_score":0.5350283980369568},{"text":"Any questions for me at this point?","start":1014.665,"end":1016.525,"sentiment":"neutral","sentiment_score":0.16712286003998347},{"text":"Cool.","start":1019.945,"end":1020.445,"sentiment":"positive","sentiment_score":0.35159075260162354},{"text":"And the other little quick thing I was gonna leave you with is when it comes like, the will and everything, I know solicitors can charge an arm and a leg.","start":1020.505,"end":1028.83,"sentiment":"neutral","sentiment_score":0.08656984291249706}],"sentiment":"neutral","sentiment_score":0.12726706246083433,"num_words":55,"start":1004.82,"end":1028.83},{"sentences":[{"text":"If it's helpful, you can get government approved will kits from Australia Post.","start":1029.21,"end":1035.07,"sentiment":"neutral","sentiment_score":0.14978544471355584},{"text":"They're, like, $25 a pop.","start":1035.21,"end":1036.905,"sentiment":"neutral","sentiment_score":0.1455811843276024},{"text":"So if that helps at least get something in place, just wanted to kinda let you know there's a few options out there.","start":1037.545,"end":1043.165,"sentiment":"neutral","sentiment_score":0.16328894606103067},{"text":"Awesome.","start":1047.145,"end":1047.645,"sentiment":"positive","sentiment_score":0.4719527661800385},{"text":"Now I do appreciate you taking the time today.","start":1047.7051,"end":1049.9651,"sentiment":"positive","sentiment_score":0.3933334830734465}],"sentiment":"neutral","sentiment_score":0.20475914855213725,"num_words":51,"start":1029.21,"end":1049.9651},{"sentences":[{"text":"Oh, sorry.","start":1051.145,"end":1051.7051,"sentiment":"neutral","sentiment_score":0.04635884240269661},{"text":"You go.","start":1051.7051,"end":1052.16,"sentiment":"neutral","sentiment_score":0.03336984105408192},{"text":"So when we catch up next to the portfolio, I'll just quickly ping you and see if you managed to get it sorted or not.","start":1055.76,"end":1063.04,"sentiment":"neutral","sentiment_score":0.10712253838777543},{"text":"And if you have, we'll update the beneficiaries then as well.","start":1063.04,"end":1065.765,"sentiment":"neutral","sentiment_score":0.1492765247821808},{"text":"Amazing.","start":1068.485,"end":1068.985,"sentiment":"neutral","sentiment_score":0.12651903927326202}],"sentiment":"neutral","sentiment_score":0.11234345459719984,"num_words":41,"start":1051.145,"end":1068.985},{"sentences":[{"text":"Well, thank you very much for your time today, mate.","start":1069.205,"end":1071.365,"sentiment":"positive","sentiment_score":0.8343161344528198},{"text":"I will go away and do some of that research there, and then just keep an ear out later in the year for us to kind of book in for a quick catch up for the super.","start":1071.365,"end":1080.18,"sentiment":"positive","sentiment_score":0.42674559636695963},{"text":"If anything else just pops up in between, just give us a buzz.","start":1080.56,"end":1083.7001,"sentiment":"neutral","sentiment_score":0.2756655181829746},{"text":"Awesome, Brad.","start":1086.9601,"end":1087.6,"sentiment":"positive","sentiment_score":0.8441094756126404},{"text":"You have a fantastic weekend, mate, and thank you again for your time.","start":1087.6,"end":1090.8201,"sentiment":"positive","sentiment_score":0.8798184303136972}],"sentiment":"positive","sentiment_score":0.5445634492238363,"num_words":75,"start":1069.205,"end":1090.8201},{"sentences":[{"text":"See you later.","start":1093.92,"end":1094.64,"sentiment":"positive","sentiment_score":0.6409064133961996},{"text":"Cheers.","start":1094.64,"end":1095.0449,"sentiment":"positive","sentiment_score":0.6250643730163574}],"sentiment":"positive","sentiment_score":0.636945903301239,"num_words":4,"start":1093.92,"end":1095.0449}]}}]},{"alternatives":[{"transcript":"Not too bad. Yep. Either way. Yep. The 08/05/1970. And, 13 McCallum Parade, Gawler East, South Australia 5118. No. Yep. Yeah. I did five. But I went to I went to Mount Gambier today, so that that was a thousand k round trip. No. Food. I'm not sure. I haven't done my tax issue yet. Yeah. They're all gone. No. That that's from the card. It's just at the moment, because of the move and that, it doesn't leave you anything to save up to. Gotta start again. But I'm still trying to figure it out. Yep. Oh, I tried to, but I couldn't get it done. Yeah. Just me two sisters. Mexican. No. I'll just, like, if I get a willing fight. Yep. Yes. Just the sugar. More like 75. Probably just keep going until the body says, no. I can't do it any longer. Yes. Yep. Yep. Yep. Yep. I think everybody did. Yep. Yeah. That's understandable. No. It doesn't ring a bell. Yeah. Okay. Yep. Okay. Yeah. That's fine. At the moment, I paid lower fee just because of the volatility going on at the moment. Yep. Yeah. Yep. Okay. Yep. No. I'm happy with it at the moment in in in where it is. Yep. Yeah. I've signed it all. Yep. Yeah. No worries. No. You covered it all. Yep. Yeah. Yeah. I'll be doing it. I'll be doing the world later in the year. So Yep. No worries. No worries. Thanks a lot. 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out.","start":222.67,"end":224.53,"sentiment":"neutral","sentiment_score":-0.05634035496041179},{"text":"Yep.","start":239.88501,"end":240.38501,"sentiment":"neutral","sentiment_score":0.07666341960430145},{"text":"Oh, I tried to, but I couldn't get it done.","start":251.19,"end":253.20999,"sentiment":"neutral","sentiment_score":-0.06216891277581453},{"text":"Yeah.","start":269.83502,"end":270.155,"sentiment":"neutral","sentiment_score":0.0467192679643631}],"sentiment":"neutral","sentiment_score":-0.045532136102733406,"num_words":23,"start":213.87001,"end":270.155},{"sentences":[{"text":"Just me two sisters.","start":270.155,"end":271.17,"sentiment":"neutral","sentiment_score":0.044708216562867165},{"text":"Mexican.","start":290.685,"end":291.185,"sentiment":"neutral","sentiment_score":0.17514273524284363},{"text":"No.","start":335.22,"end":335.46002,"sentiment":"neutral","sentiment_score":-0.13902314007282257},{"text":"I'll just, like, if I get a willing fight.","start":335.46002,"end":337.425,"sentiment":"neutral","sentiment_score":-0.23133193618721432},{"text":"Yep.","start":346.465,"end":346.965,"sentiment":"neutral","sentiment_score":0.06043954938650131}],"sentiment":"neutral","sentiment_score":-0.11291221342980862,"num_words":16,"start":270.155,"end":346.965},{"sentences":[{"text":"Yes.","start":364.0,"end":364.305,"sentiment":"neutral","sentiment_score":0.09908988326787949},{"text":"Just the sugar.","start":378.225,"end":379.63,"sentiment":"neutral","sentiment_score":0.0912905124326547},{"text":"More like 75.","start":427.815,"end":429.68002,"sentiment":"neutral","sentiment_score":0.014471985399723053},{"text":"Probably just keep going until the body says, no.","start":449.35498,"end":454.635,"sentiment":"neutral","sentiment_score":-0.16280079632997513},{"text":"I can't do it any longer.","start":454.635,"end":455.91,"sentiment":"neutral","sentiment_score":-0.1943834200501442}],"sentiment":"neutral","sentiment_score":-0.10068774138661948,"num_words":22,"start":364.0,"end":455.91},{"sentences":[{"text":"Yes.","start":474.88498,"end":475.38498,"sentiment":"neutral","sentiment_score":0.31911057233810425},{"text":"Yep.","start":499.525,"end":500.025,"sentiment":"neutral","sentiment_score":0.019556082785129547},{"text":"Yep.","start":517.54,"end":518.04,"sentiment":"neutral","sentiment_score":0.09395013749599455},{"text":"Yep.","start":545.96,"end":546.315,"sentiment":"neutral","sentiment_score":0.13765546679496765},{"text":"Yep.","start":586.84,"end":587.34,"sentiment":"neutral","sentiment_score":0.1319938749074936}],"sentiment":"neutral","sentiment_score":0.14045322686433792,"num_words":5,"start":474.88498,"end":587.34},{"sentences":[{"text":"I think everybody did.","start":604.935,"end":606.555,"sentiment":"neutral","sentiment_score":-0.019744095392525196},{"text":"Yep.","start":617.72003,"end":618.22003,"sentiment":"neutral","sentiment_score":0.12553134560585022},{"text":"Yeah.","start":630.855,"end":631.175,"sentiment":"neutral","sentiment_score":-0.002727322280406952},{"text":"That's understandable.","start":631.175,"end":631.995,"sentiment":"neutral","sentiment_score":0.027914109639823437},{"text":"No.","start":678.755,"end":678.995,"sentiment":"neutral","sentiment_score":-0.20626048743724823}],"sentiment":"neutral","sentiment_score":-0.011844958489139875,"num_words":9,"start":604.935,"end":678.995},{"sentences":[{"text":"It doesn't ring a bell.","start":678.995,"end":680.13495,"sentiment":"neutral","sentiment_score":-0.1667506843805313},{"text":"Yeah.","start":699.4,"end":699.765,"sentiment":"neutral","sentiment_score":-0.06008348986506462},{"text":"Okay.","start":716.98004,"end":717.48004,"sentiment":"neutral","sentiment_score":-0.13377490639686584},{"text":"Yep.","start":753.35,"end":753.615,"sentiment":"neutral","sentiment_score":0.0899558886885643},{"text":"Okay.","start":771.81,"end":772.31,"sentiment":"neutral","sentiment_score":0.05222100764513016}],"sentiment":"neutral","sentiment_score":-0.09838165798121029,"num_words":9,"start":678.995,"end":772.31},{"sentences":[{"text":"Yeah.","start":779.89,"end":780.13,"sentiment":"neutral","sentiment_score":0.1697903424501419},{"text":"That's fine.","start":780.13,"end":780.735,"sentiment":"neutral","sentiment_score":0.3158107399940491},{"text":"At the moment, I paid lower fee just because of the volatility going on at the moment.","start":804.925,"end":831.49,"sentiment":"neutral","sentiment_score":-0.044839578516343064},{"text":"Yep.","start":857.81,"end":858.31,"sentiment":"neutral","sentiment_score":0.08357568830251694},{"text":"Yeah.","start":867.145,"end":867.645,"sentiment":"neutral","sentiment_score":0.018804308027029037}],"sentiment":"neutral","sentiment_score":0.0064326810904524545,"num_words":22,"start":779.89,"end":867.645},{"sentences":[{"text":"Yep.","start":869.22504,"end":869.72504,"sentiment":"neutral","sentiment_score":0.0667765662074089},{"text":"Okay.","start":879.41,"end":879.91,"sentiment":"neutral","sentiment_score":0.04082787036895752},{"text":"Yep.","start":882.21,"end":882.71,"sentiment":"neutral","sentiment_score":0.18490462005138397},{"text":"No.","start":905.85004,"end":906.09,"sentiment":"negative","sentiment_score":-0.45115789771080017},{"text":"I'm happy with it at the moment in in in where it is.","start":906.09,"end":909.63,"sentiment":"negative","sentiment_score":-0.39539700288038987}],"sentiment":"neutral","sentiment_score":-0.3116946987369481,"num_words":17,"start":869.22504,"end":909.63},{"sentences":[{"text":"Yep.","start":926.215,"end":926.715,"sentiment":"neutral","sentiment_score":0.2916114330291748},{"text":"Yeah.","start":934.64,"end":935.04,"sentiment":"neutral","sentiment_score":0.22575366497039795},{"text":"I've signed it all.","start":935.04,"end":936.26,"sentiment":"neutral","sentiment_score":0.23311416432261467},{"text":"Yep.","start":971.855,"end":972.355,"sentiment":"neutral","sentiment_score":0.15058718621730804},{"text":"Yeah.","start":1012.06,"end":1012.54,"sentiment":"neutral","sentiment_score":0.1225701868534088}],"sentiment":"neutral","sentiment_score":0.21537239104509354,"num_words":8,"start":926.215,"end":1012.54},{"sentences":[{"text":"No worries.","start":1012.54,"end":1013.28,"sentiment":"neutral","sentiment_score":0.19961445033550262},{"text":"No.","start":1017.18,"end":1017.42,"sentiment":"neutral","sentiment_score":0.06931472569704056},{"text":"You covered it all.","start":1017.42,"end":1018.425,"sentiment":"neutral","sentiment_score":0.0950100738555193},{"text":"Yep.","start":1044.05,"end":1044.55,"sentiment":"neutral","sentiment_score":0.24071542918682096},{"text":"Yeah.","start":1047.715,"end":1048.0349,"sentiment":"neutral","sentiment_score":0.3069654703140259}],"sentiment":"neutral","sentiment_score":0.15514053569899666,"num_words":9,"start":1012.54,"end":1048.0349},{"sentences":[{"text":"Yeah.","start":1048.0349,"end":1048.2749,"sentiment":"positive","sentiment_score":0.39928632974624634},{"text":"I'll be doing it.","start":1048.2749,"end":1049.335,"sentiment":"positive","sentiment_score":0.5071130767464638},{"text":"I'll be doing the world later in the year.","start":1050.6749,"end":1053.315,"sentiment":"neutral","sentiment_score":0.06182730197906494},{"text":"So Yep.","start":1053.315,"end":1066.7899,"sentiment":"neutral","sentiment_score":0.17151185870170593},{"text":"No worries.","start":1084.285,"end":1084.9451,"sentiment":"positive","sentiment_score":0.40475092828273773}],"sentiment":"neutral","sentiment_score":0.2298172182506985,"num_words":18,"start":1048.0349,"end":1084.9451},{"sentences":[{"text":"No worries.","start":1091.18,"end":1091.66,"sentiment":"positive","sentiment_score":0.43084968626499176},{"text":"Thanks a lot.","start":1091.66,"end":1092.64,"sentiment":"positive","sentiment_score":0.755841076374054},{"text":"Bye.","start":1095.5801,"end":1096.0801,"sentiment":"neutral","sentiment_score":-0.11278513073921204}],"sentiment":"positive","sentiment_score":0.5027395784854889,"num_words":6,"start":1091.18,"end":1096.0801}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good day, Brad. It's Tommy here, senior adviser from Oakview, mate. How are you doing today?\n\nChannel 1: Not too bad.\n\nChannel 0: Mate, I've just got you booked in for a bit of an annual review. Do you still have some time for me today?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Beautiful. So I've got a bit of a pack I'm gonna send out to your email there. Will you be able to look onto it with me, or should I just walk you through what's coming by?\n\nChannel 1: Either way.\n\nChannel 0: Yep. Cool. Mate, while I'm popping that through, Theo, just wanna quickly check security with you if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Just need your date of birth and address.\n\nChannel 1: The 08/05/1970. And, 13 McCallum Parade, Gawler East, South Australia 5118.\n\nChannel 0: Sensational. Thank you very much for that, Brad. And I'm registered with Attic as adviser 1273105. So thank you for doing that. Now, mate, I've got a couple of things I wanted to touch on today regarding the super there and just some details to quickly update with you.\n\nBut before I jump into it, anything in particular that you'd like to focus on for this review?\n\nChannel 1: No.\n\nChannel 0: Perfect. So just a bit of a general update, that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: Sensational. So just before I jump into the super there, I've got you listed down I believe you moved from Victoria to South Australia, but you're still doing the truck driving for sergeant transport. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Is that local truck driving or long distance long haul?\n\nChannel 1: I did five.\n\nChannel 0: Fantastic.\n\nChannel 1: But I went to I went to Mount Gambier today, so that that was a thousand k round trip.\n\nChannel 0: And oh, jeez. Okay. That could be a bit fun. And you're not hauling any explosives or anything crazy, are you?\n\nChannel 1: No. Food.\n\nChannel 0: So sensational. I think I had you at about a 130,000 on the income. Has that changed much after the tax year just ended?\n\nChannel 1: I'm not sure. I haven't done my tax issue yet.\n\nChannel 0: Okay. Cool. So I'll kind of leave it at that for the time being. I might just have a quick look at the contributions and see if there's any big differences that I can spot. But they seem to be coming in pretty smoothly from work, so no issues I can currently see, mate.\n\nAnd last couple of things I wanted to just quickly update, we just Just in terms of assets and liability, we only really had you noted down with a couple of credit cards and some personal loans. Is that right?\n\nChannel 1: Yeah. They're\n\nChannel 0: Oh, fantastic. Congratulations\n\nChannel 1: all\n\nChannel 0: on that. And have you managed to, like, purchase any property or shares or anything like that?\n\nChannel 1: gone. No.\n\nChannel 0: Cool. And just in terms of, like, cash flow and savings, have you managed to build up any kind of savings buffer, or is that kind of on the cards for you for the next few years as well?\n\nChannel 1: That that's from the card. It's just at the moment, because of the move and that, it doesn't leave you anything to save up to. Gotta start again.\n\nChannel 0: Yeah. Yeah. And do you know if you've got, like, a set amount that you're able to put away now, or you're still trying to figure it out a little bit?\n\nChannel 1: But I'm still trying to figure it out.\n\nChannel 0: Yep. No. No. No worries at all. So what I won't do is we probably won't look at doing any, like, personal investments or contributions to Super at this point if you're just trying to settle into the new state and everything?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And last one, in terms of details, did you end up putting, like, a a will in place or a power of attorney?\n\nChannel 1: Oh, I tried to, but I couldn't get it done.\n\nChannel 0: That's alright. Now I'm just looking at the beneficiary nominations for the super there. Was there anyone in particular you wanted me to put down for the super itself outside of, like, a will and your personal assets?\n\nChannel 1: Yeah. Just me two sisters.\n\nChannel 0: This is okay. Cool. So options there for it because oh, actually, quick double check point. With your sisters, are they would they count as, like, a financial dependent, like, living together and and you're looking after them kind of thing, or is that just kind of your most closest next to kin?\n\nChannel 1: Mexican.\n\nChannel 0: Cool. So the two options are, when it comes to the super, you can nominate the super to go into your name, which is like your estate with your shoes and your car and your savings. And then through a will, you can actually distribute it out to your sisters with all your other assets and everything. But if we don't put the will in place and I put the nomination in place, then the superintendents tend to get tied up in that probate process through the court. So what I wanted to ask you was, do you want me to kinda just hold off on that one until you do get a will in place, or do you still want me to put that in there if you're gonna do it quite soon?\n\nChannel 1: No. I'll just, like, if I get a willing fight.\n\nChannel 0: Cool. Awesome. Because, again, I don't wanna kinda jump the gun and lock your super up, and then they've gotta go through the call and all that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: So alrighty. Just quickly before I jump into the super bed, the insurance side of things, I think you had the the TPD cover with Zurich canceled because you kinda didn't really see the point of it. No value in it, that kind of thing. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So I just needed to double check if you're wanting me to get any kind of quotes for, you know, life insurance or anything like that for this year or if you're happy just to focus on the super.\n\nChannel 1: Just the sugar.\n\nChannel 0: Perfect. Now when it comes to the super, mate, I've got you listed down just going a bit slow and steady with the retirement age, which I think you would just pretty much get a work flight through to sort of pension age and try and get that kind of $1,500 paid out, you know, bit of super for being self funded. What I wanted to ask you about was you can access your super at 60, and the age pension kicks in at 67. So just in terms of time frame, kinda like four versus eleven years is very, very different for investing. Are we still looking more towards the age pension age, or what do you think?\n\nChannel 1: More like 75.\n\nChannel 0: Awesome. So are you at all point thinking of, like, kind of slowing down the part time in your sixties, or you just wanna kind of go for as much growth as possible and then just let the super tick away until 70.\n\nChannel 1: Probably just keep going until the body says, no. I can't do it any longer.\n\nChannel 0: Perfect. Because whenever I ask that question, I always get two answers. Half the country says, get me out of the bloody rat race tomorrow, and the other half says, I wouldn't know what to do with myself. I'll just keep going until I can't. So that gives us a bit of room to kind of build up the super a lot more as well.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. So when it comes to the super, as a quick kind of recap for you, so we've got you in a a growth portfolio. So I would kind of count that as, like, a four out of five on the risk scale. You're not a high growth. You're not a high risk, but you're one below that, which is mainly focusing on getting as much growth out of it as possible, but it's not that highest risk level.\n\nIf that rings\n\nChannel 1: Yep.\n\nChannel 0: a buzz. So so when you're in growth, you kind of want about 80% of your super in growth assets, like shares and property and gold, kind of high risk, high returns, and about 20% sitting in the face of side of things. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So with a a growth profile, generally speaking, you wanna have at least eight to nine years to invest in that because, obviously, the markets go up and down, and we need to be able to get the growth out of it. But at the same time, you probably don't wanna be sitting in growth at the age of 69, and then you lose a third of your super year before you go to. You know what I mean? So, like, grow it now and then protect it as you get closer.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Any questions on that? Does that general idea make sense for you? Cool. So just having a look at Veronica's advice to you previously when you got moved into Hub twenty four.\n\nNow bear in mind, Hub's got kind of the most investment options in the industry right now, And one of the good things is it's got something called aggregated trading. And all that means is that if someone's buying what you're selling or selling what you're buying, we can purchase all those investments we've recommended for you, and it minimizes the the brokerage fee that you would normally pay with other funds.\n\nChannel 1: Yep.\n\nChannel 0: Now what that kinda looks like, I'm having a review of the account here and just looking at each investment option. So a year ago, you were sitting at 248,000, and then we took a little bit of a dip when the war exploded overseas, and it\n\nChannel 1: I\n\nChannel 0: went\n\nChannel 1: think\n\nChannel 0: from\n\nChannel 1: everybody did.\n\nChannel 0: two. Exactly right. So your volatility went from two forty seven down to two forty one, and now it's bounced back up to two just shy of two sixty eight.\n\nChannel 1: Yep.\n\nChannel 0: So it's bounced back quite well, but I did wanna let you know that it performed a little bit lower than the usual year just because of that dip in between.\n\nChannel 1: Yeah. That's understandable.\n\nChannel 0: So what my job is today is basically I'm looking through this whole portfolio, and you've got a lot of different investments. There's about nine of them. And you've got gold that's going up 13%. Amazing. You've got some Australian shares that have gone up another 18%.\n\nThat's amazing. Healthcare has gone up 14. Amazing. The only two that have had a dip for you overall for the year is some India shares, which that one's a bit more of a, like, a long term thing. So if you think about the the way the economics is switching, a lot of people are kind of moving the manufacturing out of China and into India, if that rings it up.\n\nChannel 1: No. It doesn't ring a bell.\n\nChannel 0: So what I'm sort of thinking with that one is, like, it's gone down a little bit, but based on our investment committee and what we're thinking is it's kind of like a five and ten year plan for those guys because we're expecting it to go up as things move across from China to India. So that one doesn't worry me too much.\n\nChannel 1: Yeah.\n\nChannel 0: The only one that's a bit of a concern is you've got this Benelon Australian shares option, which when the Australian market kind of dipped, it dipped a little bit further. And then when the market came back up in Australia, it hasn't gone up as much.\n\nChannel 1: Okay.\n\nChannel 0: So, overall, what I'm kind of seeing is that you've had that kind of 15,000 worth of growth out of the fund, but that one's kind of dropped you down a little bit, including what happened overseas as well. So what I'm kind of thinking at this point, Brad, if you're comfortable, is I wanna kind of put a bit of a flag on this one and just keep an eye on it for the next few months leading up to Christmas and see either, a, if it bounces back. And then if it doesn't bounce back, maybe I can look at replacing that one, do a bit of an engine tune up on the super portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So what I would normally do is, like, after the reviews, we would obviously pencil in to contact you in twelve months' time. But I'm gonna try and contact you before Christmas because I don't wanna kinda leave at twelve months if that one continues to do what it's doing.\n\nChannel 1: Okay.\n\nChannel 0: K. Is that okay with you if I contact you sort of once halfway through the year and then again for that next full year?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Cool. I'm gonna do a bit of background research in in the background. Now we're obviously gonna make recommendations down the line for you. But just in terms of style, because Hub's got, like, a 300 options there, I need to kind of whittle it down a little bit. No long answer to this question, Brad, but if you had to pick between\n\nChannel 1: At\n\nChannel 0: low fee investments or higher fee for a higher return, where do you kinda lean between the two?\n\nChannel 1: the moment, I paid lower fee\n\nChannel 0: Okay.\n\nChannel 1: just because\n\nChannel 0: Alrighty.\n\nChannel 1: of the volatility going on at the moment.\n\nChannel 0: Yeah. Yep. So what I'm thinking then is I'm gonna put a flag on this option. And then next time I talk to you, if that one hasn't picked up its game by, say, November, December, I'm gonna switch it out for a lower fee option. It's a passive option that'll kind of drop the fees down and be a bit more closer to following the the usual stock market.\n\nSo,\n\nChannel 1: Yep.\n\nChannel 0: you know, have you ever seen on the news where they talk about the the indexes where they say, you know, the ASX and the Dow Jones and the Hang Seng and all those\n\nChannel 1: Yeah.\n\nChannel 0: types of names?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So instead of paying extra for a fund manager to try and beat it, we're probably gonna look at something that follows those a bit closer for\n\nChannel 1: Okay.\n\nChannel 0: lower cost.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I'm not gonna do anything in terms of changing the risk level at the moment unless you're wanting to kind of bump it up to high risk to try and bump the returns up. But if you're comfortable, I was just kinda looking at, again, flag this. If it hasn't done its thing, I'll switch into some lower fee investments towards the end of the year.\n\nChannel 1: No. I'm happy with it at the moment in in in where it is.\n\nChannel 0: Okay. So you leave that in my court. We will get in touch with you before the end of the year. Just have a quick catch up together, and and then I'll have done some research in between now and then on some suitable options as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Alrighty. So at this point, I've sent through that review pack for you. And\n\nChannel 1: Yeah.\n\nChannel 0: just to\n\nChannel 1: I've\n\nChannel 0: let\n\nChannel 1: signed\n\nChannel 0: you know\n\nChannel 1: it\n\nChannel 0: kind\n\nChannel 1: all.\n\nChannel 0: of what's there oh, thanks, mate. Just to let you know what you have done, We're doing a little lawsuit for search, which is just ping the government system to see if there's any super funds floating around. Only reason why I'm doing that too is because sometimes the old insurance policies pop up on the system too. So I just wanna make sure that's all good and closed in the background. Tax phone number opt in there.\n\nAgain, the tax phone numbers are pretty important. So what we're doing with that form is just keeping the number on one form rather than in all the digital systems for the hackers to grab.\n\nChannel 1: Yep.\n\nChannel 0: And just a bit of an update for you as well. So the fee agreement that you just signed for the consent with. So we haven't changed anything fee wise. It's still the 1.65%. But Barton Seve are doing up a bit of a tiered structure next year.\n\nSo everybody above 200,000, they're gonna start to get some discount from next year onwards as well. So once we've got the paperwork done, before Christmas, I'll go through the portfolio with you and see if we change it. And then next review, there should be some discounts on our fees as well.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Awesome, mate. Any questions for me at this point?\n\nChannel 1: No. You covered it all.\n\nChannel 0: Cool. And the other little quick thing I was gonna leave you with is when it comes like, the will and everything, I know solicitors can charge an arm and a leg. If it's helpful, you can get government approved will kits from Australia Post. They're, like, $25 a pop. So if that helps at least get something in place, just wanted to kinda let you know there's a few options out there.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Now\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: do appreciate\n\nChannel 1: I'll be doing\n\nChannel 0: you taking\n\nChannel 1: it.\n\nChannel 0: the time today.\n\nChannel 1: I'll be doing\n\nChannel 0: Oh, sorry.\n\nChannel 1: the\n\nChannel 0: You\n\nChannel 1: world\n\nChannel 0: go.\n\nChannel 1: later in the year. So\n\nChannel 0: So when we catch up next to the portfolio, I'll just quickly ping you and see if you managed to get it sorted or not. And if you have, we'll update the beneficiaries then as well.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Well, thank you very much for your time today, mate. I will go away and do some of that research there, and then just keep an ear out later in the year for us to kind of book in for a quick catch up for the super. If anything else just pops up in between, just give us a buzz.\n\nChannel 1: No worries.\n\nChannel 0: Awesome, Brad. You have a fantastic weekend, mate, and thank you again for your time.\n\nChannel 1: No worries. Thanks a lot.\n\nChannel 0: See you later. Cheers.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good day, Brad.","start":1.92,"end":2.56,"sentiment":"positive","sentiment_score":0.43576398491859436},{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":2.56,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2939820569008589},{"text":"How are you doing today?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2963869571685791}],"sentiment":"neutral","sentiment_score":0.32131769973784685,"channel":0,"num_words":16,"start":1.92,"end":5.7799997},{"sentences":[{"text":"Not too bad.","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.23990631103515625}],"sentiment":"neutral","sentiment_score":0.23990631103515625,"channel":1,"num_words":3,"start":6.08,"end":6.98},{"sentences":[{"text":"Mate, I've just got you booked in for a bit of an annual review.","start":8.0,"end":10.96,"sentiment":"neutral","sentiment_score":0.16384764228548324},{"text":"Do you still have some time for me today?","start":10.96,"end":12.615,"sentiment":"neutral","sentiment_score":0.0803107689652178}],"sentiment":"neutral","sentiment_score":0.13115930055146632,"channel":0,"num_words":23,"start":8.0,"end":12.615},{"sentences":[{"text":"Yep.","start":13.2,"end":13.665,"sentiment":"neutral","sentiment_score":0.2681535482406616}],"sentiment":"neutral","sentiment_score":0.2681535482406616,"channel":1,"num_words":1,"start":13.2,"end":13.665},{"sentences":[{"text":"Beautiful.","start":15.094999,"end":15.575,"sentiment":"positive","sentiment_score":0.6524102687835693},{"text":"Beautiful.","start":15.575,"end":15.974999,"sentiment":"positive","sentiment_score":0.6274405717849731},{"text":"So I've got a bit of a pack I'm gonna send out to your email there.","start":15.974999,"end":19.414999,"sentiment":"neutral","sentiment_score":0.22092564590275288},{"text":"Will you be able to look onto it with me, or should I just walk you through what's coming by?","start":19.414999,"end":23.435,"sentiment":"neutral","sentiment_score":0.1292374711483717}],"sentiment":"neutral","sentiment_score":0.19472133152579008,"channel":0,"num_words":38,"start":15.094999,"end":23.435},{"sentences":[{"text":"Either way.","start":25.505001,"end":26.04,"sentiment":"neutral","sentiment_score":0.04540006071329117}],"sentiment":"neutral","sentiment_score":0.04540006071329117,"channel":1,"num_words":2,"start":25.505001,"end":26.04},{"sentences":[{"text":"Yep.","start":26.949999,"end":27.189999,"sentiment":"neutral","sentiment_score":0.15184229612350464},{"text":"Cool.","start":27.189999,"end":27.689999,"sentiment":"neutral","sentiment_score":0.3012312650680542},{"text":"Mate, while I'm popping that through, Theo, just wanna quickly check security with you if that's okay.","start":27.99,"end":34.41,"sentiment":"neutral","sentiment_score":0.1184522255378611}],"sentiment":"neutral","sentiment_score":0.12982954712290512,"channel":0,"num_words":19,"start":26.949999,"end":34.41},{"sentences":[{"text":"Yep.","start":34.760002,"end":35.260002,"sentiment":"neutral","sentiment_score":0.0531657449901104}],"sentiment":"neutral","sentiment_score":0.0531657449901104,"channel":1,"num_words":1,"start":34.760002,"end":35.260002},{"sentences":[{"text":"Just need your date of birth and address.","start":36.149998,"end":38.41,"sentiment":"neutral","sentiment_score":0.039415183942765}],"sentiment":"neutral","sentiment_score":0.039415183942765,"channel":0,"num_words":8,"start":36.149998,"end":38.41},{"sentences":[{"text":"The 08/05/1970.","start":40.165,"end":42.585,"sentiment":"neutral","sentiment_score":0.01822028588503599},{"text":"And, 13 McCallum Parade, Gawler East, South Australia 5118.","start":47.045,"end":53.49,"sentiment":"neutral","sentiment_score":0.024684389846192464}],"sentiment":"neutral","sentiment_score":0.02350909821689129,"channel":1,"num_words":11,"start":40.165,"end":53.49},{"sentences":[{"text":"Sensational.","start":55.19,"end":55.69,"sentiment":"neutral","sentiment_score":0.1711972802877426},{"text":"Thank you very much for that, Brad.","start":55.989998,"end":57.19,"sentiment":"positive","sentiment_score":0.6898074150085449},{"text":"And I'm registered with Attic as adviser 1273105.","start":57.19,"end":61.43,"sentiment":"positive","sentiment_score":0.33359988406300545},{"text":"So thank you for doing that.","start":61.43,"end":62.625,"sentiment":"positive","sentiment_score":0.6048134217659632},{"text":"Now, mate, I've got a couple of things I wanted to touch on today regarding the super there and just some details to quickly update with you.","start":64.705,"end":72.785,"sentiment":"neutral","sentiment_score":0.13777215226932807}],"sentiment":"neutral","sentiment_score":0.3064770795861069,"channel":0,"num_words":49,"start":55.19,"end":72.785},{"sentences":[{"text":"But before I jump into it, anything in particular that you'd like to focus on for this review?","start":72.785,"end":77.76,"sentiment":"neutral","sentiment_score":0.057076735215054616}],"sentiment":"neutral","sentiment_score":0.057076735215054616,"channel":0,"num_words":18,"start":72.785,"end":77.76},{"sentences":[{"text":"No.","start":78.945,"end":79.29,"sentiment":"neutral","sentiment_score":-0.0813940018415451}],"sentiment":"neutral","sentiment_score":-0.0813940018415451,"channel":1,"num_words":1,"start":78.945,"end":79.29},{"sentences":[{"text":"Perfect.","start":82.4,"end":82.8,"sentiment":"neutral","sentiment_score":0.0565168559551239},{"text":"So just a bit of a general update, that kind of thing.","start":82.8,"end":85.22,"sentiment":"neutral","sentiment_score":-0.024948595091700554}],"sentiment":"neutral","sentiment_score":-0.01868202193425252,"channel":0,"num_words":13,"start":82.4,"end":85.22},{"sentences":[{"text":"Yep.","start":85.93,"end":86.43,"sentiment":"neutral","sentiment_score":0.06704921275377274}],"sentiment":"neutral","sentiment_score":0.06704921275377274,"channel":1,"num_words":1,"start":85.93,"end":86.43},{"sentences":[{"text":"Sensational.","start":87.840004,"end":88.340004,"sentiment":"neutral","sentiment_score":0.056409802287817},{"text":"So just before I jump into the super there, I've got you listed down I believe you moved from Victoria to South Australia, but you're still doing the truck driving for sergeant transport.","start":89.200005,"end":100.485,"sentiment":"neutral","sentiment_score":0.0047513257190020695},{"text":"Is that right?","start":100.545,"end":101.285,"sentiment":"neutral","sentiment_score":0.023953368266423542}],"sentiment":"neutral","sentiment_score":0.007704423130112323,"channel":0,"num_words":37,"start":87.840004,"end":101.285},{"sentences":[{"text":"Yeah.","start":101.465,"end":101.965,"sentiment":"neutral","sentiment_score":0.005537810735404491}],"sentiment":"neutral","sentiment_score":0.005537810735404491,"channel":1,"num_words":1,"start":101.465,"end":101.965},{"sentences":[{"text":"Is that local truck driving or long distance long haul?","start":103.105,"end":106.92,"sentiment":"neutral","sentiment_score":0.0031061350367963315}],"sentiment":"neutral","sentiment_score":0.0031061350367963315,"channel":0,"num_words":10,"start":103.105,"end":106.92},{"sentences":[{"text":"I did five.","start":107.935,"end":108.96,"sentiment":"neutral","sentiment_score":0.05713809405763944}],"sentiment":"neutral","sentiment_score":0.05713809405763944,"channel":1,"num_words":3,"start":107.935,"end":108.96},{"sentences":[{"text":"Fantastic.","start":109.0,"end":109.5,"sentiment":"neutral","sentiment_score":0.29319602251052856}],"sentiment":"neutral","sentiment_score":0.29319602251052856,"channel":0,"num_words":1,"start":109.0,"end":109.5},{"sentences":[{"text":"But I went to I went to Mount Gambier today, so that that was a thousand k round trip.","start":112.56,"end":118.5,"sentiment":"neutral","sentiment_score":0.08772590266246545}],"sentiment":"neutral","sentiment_score":0.08772590266246545,"channel":1,"num_words":19,"start":112.56,"end":118.5},{"sentences":[{"text":"And oh, jeez.","start":118.92,"end":120.135,"sentiment":"neutral","sentiment_score":0.05134235074122747},{"text":"Okay.","start":120.695,"end":121.195,"sentiment":"neutral","sentiment_score":0.1187174990773201},{"text":"That could be a bit fun.","start":121.495,"end":122.695,"sentiment":"neutral","sentiment_score":0.18662836154301962},{"text":"And you're not hauling any explosives or anything crazy, are you?","start":122.695,"end":125.755005,"sentiment":"neutral","sentiment_score":-0.0404727198606865}],"sentiment":"neutral","sentiment_score":0.04511022867102708,"channel":0,"num_words":21,"start":118.92,"end":125.755005},{"sentences":[{"text":"No.","start":125.935,"end":126.435,"sentiment":"neutral","sentiment_score":-0.1259879618883133},{"text":"Food.","start":127.295,"end":127.795,"sentiment":"neutral","sentiment_score":-0.09322328865528108}],"sentiment":"neutral","sentiment_score":-0.10960562527179718,"channel":1,"num_words":2,"start":125.935,"end":127.795},{"sentences":[{"text":"So sensational.","start":129.41501,"end":130.235,"sentiment":"neutral","sentiment_score":-0.07836690917611122},{"text":"I think I had you at about a 130,000 on the income.","start":131.175,"end":134.295,"sentiment":"neutral","sentiment_score":-0.07504306857784589},{"text":"Has that changed much after the tax year just ended?","start":134.295,"end":139.01,"sentiment":"neutral","sentiment_score":-0.10799888893961906}],"sentiment":"neutral","sentiment_score":-0.08905164711177349,"channel":0,"num_words":24,"start":129.41501,"end":139.01},{"sentences":[{"text":"I'm not sure.","start":138.99,"end":140.11,"sentiment":"neutral","sentiment_score":-0.20862567921479544},{"text":"I haven't done my tax issue yet.","start":140.11,"end":141.89,"sentiment":"neutral","sentiment_score":-0.2235540130308696}],"sentiment":"neutral","sentiment_score":-0.21907551288604737,"channel":1,"num_words":10,"start":138.99,"end":141.89},{"sentences":[{"text":"Okay.","start":142.91,"end":143.23,"sentiment":"neutral","sentiment_score":0.0005139298737049103},{"text":"Cool.","start":143.23,"end":143.55,"sentiment":"neutral","sentiment_score":-0.02330067753791809},{"text":"So I'll kind of leave it at that for the time being.","start":143.55,"end":146.05,"sentiment":"neutral","sentiment_score":0.019066985386113327},{"text":"I might just have a quick look at the contributions and see if there's any big differences that I can spot.","start":146.35,"end":152.145,"sentiment":"neutral","sentiment_score":0.053259325524171196},{"text":"But they seem to be coming in pretty smoothly from work, so no issues I can currently see, mate.","start":152.765,"end":157.50499,"sentiment":"neutral","sentiment_score":0.2932315751125938}],"sentiment":"neutral","sentiment_score":0.1277011637058523,"channel":0,"num_words":54,"start":142.91,"end":157.50499},{"sentences":[{"text":"And last couple of things I wanted to just quickly update, we just Just in terms of assets and liability, we only really had you noted down with a couple of credit cards and some personal loans.","start":160.285,"end":170.59001,"sentiment":"neutral","sentiment_score":0.043132738688507595},{"text":"Is that right?","start":170.59001,"end":171.41,"sentiment":"neutral","sentiment_score":0.05699579790234566}],"sentiment":"neutral","sentiment_score":0.04417246812954545,"channel":0,"num_words":40,"start":160.285,"end":171.41},{"sentences":[{"text":"Yeah.","start":172.275,"end":172.595,"sentiment":"neutral","sentiment_score":0.1328013390302658},{"text":"They're","start":172.595,"end":173.095,"sentiment":"neutral","sentiment_score":0.18369442224502563}],"sentiment":"neutral","sentiment_score":0.15824788063764572,"channel":1,"num_words":2,"start":172.275,"end":173.095},{"sentences":[{"text":"Oh, fantastic.","start":174.35,"end":175.17,"sentiment":"positive","sentiment_score":0.7529551982879639},{"text":"Congratulations","start":175.63,"end":176.13,"sentiment":"positive","sentiment_score":0.825837254524231}],"sentiment":"positive","sentiment_score":0.7772492170333862,"channel":0,"num_words":3,"start":174.35,"end":176.13},{"sentences":[{"text":"all","start":176.515,"end":177.015,"sentiment":"positive","sentiment_score":0.8385158181190491}],"sentiment":"positive","sentiment_score":0.8385158181190491,"channel":1,"num_words":1,"start":176.515,"end":177.015},{"sentences":[{"text":"on that.","start":176.59001,"end":177.225,"sentiment":"positive","sentiment_score":0.8140704929828644},{"text":"And have you managed to, like, purchase any property or shares or anything like that?","start":179.625,"end":183.645,"sentiment":"neutral","sentiment_score":0.15520699173212052}],"sentiment":"neutral","sentiment_score":0.23272034482044332,"channel":0,"num_words":17,"start":176.59001,"end":183.645},{"sentences":[{"text":"gone.","start":183.235,"end":183.735,"sentiment":"neutral","sentiment_score":-0.01773587055504322},{"text":"No.","start":184.355,"end":184.71,"sentiment":"neutral","sentiment_score":-0.05168168991804123}],"sentiment":"neutral","sentiment_score":-0.034708780236542225,"channel":1,"num_words":2,"start":183.235,"end":184.71},{"sentences":[{"text":"Cool.","start":185.785,"end":186.285,"sentiment":"neutral","sentiment_score":0.04220670089125633},{"text":"And just in terms of, like, cash flow and savings, have you managed to build up any kind of savings buffer, or is that kind of on the cards for you for the next few years as well?","start":186.425,"end":196.40001,"sentiment":"neutral","sentiment_score":0.03880482686585501}],"sentiment":"neutral","sentiment_score":0.03889205440496787,"channel":0,"num_words":39,"start":185.785,"end":196.40001},{"sentences":[{"text":"That that's from the card.","start":196.47,"end":198.01001,"sentiment":"neutral","sentiment_score":0.05882411450147629},{"text":"It's just at the moment, because of the move and that, it doesn't leave you anything to save up to.","start":198.07,"end":212.91,"sentiment":"neutral","sentiment_score":0.03993303156457841},{"text":"Gotta start again.","start":213.87001,"end":214.93001,"sentiment":"neutral","sentiment_score":-0.032736616830031075}],"sentiment":"neutral","sentiment_score":0.035520405475316305,"channel":1,"num_words":28,"start":196.47,"end":214.93001},{"sentences":[{"text":"Yeah.","start":215.705,"end":216.02501,"sentiment":"neutral","sentiment_score":0.035661667585372925},{"text":"Yeah.","start":216.02501,"end":216.345,"sentiment":"neutral","sentiment_score":0.03313405066728592},{"text":"And do you know if you've got, like, a set amount that you're able to put away now, or you're still trying to figure it out a little bit?","start":216.345,"end":222.42,"sentiment":"neutral","sentiment_score":-0.002281507236304982}],"sentiment":"neutral","sentiment_score":0.0000849034967682054,"channel":0,"num_words":31,"start":215.705,"end":222.42},{"sentences":[{"text":"But I'm still trying to figure it out.","start":222.67,"end":224.53,"sentiment":"neutral","sentiment_score":-0.05634035496041179}],"sentiment":"neutral","sentiment_score":-0.05634035496041179,"channel":1,"num_words":8,"start":222.67,"end":224.53},{"sentences":[{"text":"Yep.","start":225.12,"end":225.59999,"sentiment":"neutral","sentiment_score":0.016252901405096054},{"text":"No.","start":225.59999,"end":225.76,"sentiment":"neutral","sentiment_score":-0.034453459084033966},{"text":"No.","start":225.76,"end":226.0,"sentiment":"neutral","sentiment_score":-0.038770515471696854},{"text":"No worries at all.","start":226.0,"end":227.04,"sentiment":"neutral","sentiment_score":-0.07161845825612545},{"text":"So what I won't do is we probably won't look at doing any, like, personal investments or contributions to Super at this point if you're just trying to settle into the new state and everything?","start":227.04,"end":238.265,"sentiment":"neutral","sentiment_score":-0.13900001432214465}],"sentiment":"neutral","sentiment_score":-0.12401060493929046,"channel":0,"num_words":42,"start":225.12,"end":238.265},{"sentences":[{"text":"Yep.","start":239.88501,"end":240.38501,"sentiment":"neutral","sentiment_score":0.07666341960430145}],"sentiment":"neutral","sentiment_score":0.07666341960430145,"channel":1,"num_words":1,"start":239.88501,"end":240.38501},{"sentences":[{"text":"Beautiful.","start":241.365,"end":241.865,"sentiment":"neutral","sentiment_score":0.2595461308956146},{"text":"And last one, in terms of details, did you end up putting, like, a a will in place or a power of attorney?","start":242.325,"end":248.105,"sentiment":"neutral","sentiment_score":0.03308563930508883}],"sentiment":"neutral","sentiment_score":0.04252149312136074,"channel":0,"num_words":24,"start":241.365,"end":248.105},{"sentences":[{"text":"Oh, I tried to, but I couldn't get it done.","start":251.19,"end":253.20999,"sentiment":"neutral","sentiment_score":-0.06216891277581453}],"sentiment":"neutral","sentiment_score":-0.06216891277581453,"channel":1,"num_words":10,"start":251.19,"end":253.20999},{"sentences":[{"text":"That's alright.","start":254.51001,"end":255.25,"sentiment":"neutral","sentiment_score":0.038690634071826935},{"text":"Now I'm just looking at the beneficiary nominations for the super there.","start":256.75,"end":260.835,"sentiment":"neutral","sentiment_score":0.04667338511596123},{"text":"Was there anyone in particular you wanted me to put down for the super itself outside of, like, a will and your personal assets?","start":261.395,"end":268.935,"sentiment":"neutral","sentiment_score":0.02003052147726218}],"sentiment":"neutral","sentiment_score":0.02942616855235476,"channel":0,"num_words":38,"start":254.51001,"end":268.935},{"sentences":[{"text":"Yeah.","start":269.83502,"end":270.155,"sentiment":"neutral","sentiment_score":0.0467192679643631},{"text":"Just me two sisters.","start":270.155,"end":271.17,"sentiment":"neutral","sentiment_score":0.044708216562867165}],"sentiment":"neutral","sentiment_score":0.04511042684316635,"channel":1,"num_words":5,"start":269.83502,"end":271.17},{"sentences":[{"text":"This is okay.","start":272.835,"end":273.555,"sentiment":"neutral","sentiment_score":0.2704407374064128},{"text":"Cool.","start":273.555,"end":273.955,"sentiment":"positive","sentiment_score":0.35160839557647705},{"text":"So options there for it because oh, actually, quick double check point.","start":273.955,"end":279.45,"sentiment":"neutral","sentiment_score":0.11007575512242813},{"text":"With your sisters, are they would they count as, like, a financial dependent, like, living together and and you're looking after them kind of thing, or is that just kind of your most closest next to kin?","start":279.45,"end":290.175,"sentiment":"neutral","sentiment_score":0.05416155465551325}],"sentiment":"neutral","sentiment_score":0.08467579606639326,"channel":0,"num_words":53,"start":272.835,"end":290.175},{"sentences":[{"text":"Mexican.","start":290.685,"end":291.185,"sentiment":"neutral","sentiment_score":0.17514273524284363}],"sentiment":"neutral","sentiment_score":0.17514273524284363,"channel":1,"num_words":1,"start":290.685,"end":291.185},{"sentences":[{"text":"Cool.","start":292.41498,"end":292.735,"sentiment":"positive","sentiment_score":0.42356035113334656},{"text":"So the two options are, when it comes to the super, you can nominate the super to go into your name, which is like your estate with your shoes and your car and your savings.","start":292.735,"end":303.79498,"sentiment":"neutral","sentiment_score":0.2946057536772319},{"text":"And then through a will, you can actually distribute it out to your sisters with all your other assets and everything.","start":304.25497,"end":310.81,"sentiment":"neutral","sentiment_score":0.2832077024948029},{"text":"But if we don't put the will in place and I put the nomination in place, then the superintendents tend to get tied up in that probate process through the court.","start":311.91,"end":321.975,"sentiment":"neutral","sentiment_score":0.08243234743995051},{"text":"So what I wanted to ask you was, do you want me to kinda just hold off on that one until you do get a will in place, or do you still want me to put that in there if you're gonna do it quite soon?","start":322.45502,"end":333.99,"sentiment":"neutral","sentiment_score":0.049753538778294686}],"sentiment":"neutral","sentiment_score":0.16064320176617422,"channel":0,"num_words":134,"start":292.41498,"end":333.99},{"sentences":[{"text":"No.","start":335.22,"end":335.46002,"sentiment":"neutral","sentiment_score":-0.13902314007282257},{"text":"I'll just, like, if I get a willing fight.","start":335.46002,"end":337.425,"sentiment":"neutral","sentiment_score":-0.23133193618721432}],"sentiment":"neutral","sentiment_score":-0.22210105657577514,"channel":1,"num_words":10,"start":335.22,"end":337.425},{"sentences":[{"text":"Cool.","start":338.63,"end":338.87,"sentiment":"neutral","sentiment_score":0.323371946811676},{"text":"Awesome.","start":338.87,"end":339.19,"sentiment":"positive","sentiment_score":0.43371742963790894},{"text":"Because, again, I don't wanna kinda jump the gun and lock your super up, and then they've gotta go through the call and all that kind of thing.","start":339.19,"end":346.09,"sentiment":"neutral","sentiment_score":0.03127451886289886}],"sentiment":"neutral","sentiment_score":0.0544258634870251,"channel":0,"num_words":30,"start":338.63,"end":346.09},{"sentences":[{"text":"Yep.","start":346.465,"end":346.965,"sentiment":"neutral","sentiment_score":0.06043954938650131}],"sentiment":"neutral","sentiment_score":0.06043954938650131,"channel":1,"num_words":1,"start":346.465,"end":346.965},{"sentences":[{"text":"So alrighty.","start":348.325,"end":349.065,"sentiment":"neutral","sentiment_score":0.05534449964761734},{"text":"Just quickly before I jump into the super bed, the insurance side of things, I think you had the the TPD cover with Zurich canceled because you kinda didn't really see the point of it.","start":349.765,"end":360.42,"sentiment":"neutral","sentiment_score":-0.1251455917954445},{"text":"No value in it, that kind of thing.","start":361.38,"end":362.98,"sentiment":"negative","sentiment_score":-0.34339165315032005},{"text":"Is that right?","start":362.98,"end":363.72,"sentiment":"neutral","sentiment_score":-0.008829385663072268}],"sentiment":"neutral","sentiment_score":-0.1467297519945229,"channel":0,"num_words":48,"start":348.325,"end":363.72},{"sentences":[{"text":"Yes.","start":364.0,"end":364.305,"sentiment":"neutral","sentiment_score":0.09908988326787949}],"sentiment":"neutral","sentiment_score":0.09908988326787949,"channel":1,"num_words":1,"start":364.0,"end":364.305},{"sentences":[{"text":"Perfect.","start":365.54,"end":365.94,"sentiment":"neutral","sentiment_score":0.315205454826355},{"text":"So I just needed to double check if you're wanting me to get any kind of quotes for, you know, life insurance or anything like that for this year or if you're happy just to focus on the super.","start":365.94,"end":376.085,"sentiment":"neutral","sentiment_score":0.20786786480591848}],"sentiment":"neutral","sentiment_score":0.2105513045564294,"channel":0,"num_words":40,"start":365.54,"end":376.085},{"sentences":[{"text":"Just the sugar.","start":378.225,"end":379.63,"sentiment":"neutral","sentiment_score":0.0912905124326547}],"sentiment":"neutral","sentiment_score":0.0912905124326547,"channel":1,"num_words":3,"start":378.225,"end":379.63},{"sentences":[{"text":"Perfect.","start":381.025,"end":381.525,"sentiment":"positive","sentiment_score":0.3692755997180938},{"text":"Now when it comes to the super, mate, I've got you listed down just going a bit slow and steady with the retirement age, which I think you would just pretty much get a work flight through to sort of pension age and try and get that kind of $1,500 paid out, you know, bit of super for being self funded.","start":381.825,"end":400.49002,"sentiment":"neutral","sentiment_score":0.005695157363766529},{"text":"What I wanted to ask you about was you can access your super at 60, and the age pension kicks in at 67.","start":401.75,"end":408.835,"sentiment":"neutral","sentiment_score":0.06609622710991812},{"text":"So just in terms of time frame, kinda like four versus eleven years is very, very different for investing.","start":409.375,"end":416.99,"sentiment":"neutral","sentiment_score":-0.042642582796121896},{"text":"Are we still looking more towards the age pension age, or what do you think?","start":417.77,"end":421.47,"sentiment":"neutral","sentiment_score":-0.03746284693479538}],"sentiment":"neutral","sentiment_score":0.007266736515022877,"channel":0,"num_words":119,"start":381.025,"end":421.47},{"sentences":[{"text":"More like 75.","start":427.815,"end":429.68002,"sentiment":"neutral","sentiment_score":0.014471985399723053}],"sentiment":"neutral","sentiment_score":0.014471985399723053,"channel":1,"num_words":3,"start":427.815,"end":429.68002},{"sentences":[{"text":"Awesome.","start":432.805,"end":433.205,"sentiment":"positive","sentiment_score":0.4720233082771301},{"text":"So are you at all point thinking of, like, kind of slowing down the part time in your sixties, or you just wanna kind of go for as much growth as possible and then just let the super tick away until 70.","start":433.205,"end":445.55,"sentiment":"neutral","sentiment_score":0.03397113146881262}],"sentiment":"neutral","sentiment_score":0.04415839139458745,"channel":0,"num_words":43,"start":432.805,"end":445.55},{"sentences":[{"text":"Probably just keep going until the body says, no.","start":449.35498,"end":454.635,"sentiment":"neutral","sentiment_score":-0.16280079632997513},{"text":"I can't do it any longer.","start":454.635,"end":455.91,"sentiment":"neutral","sentiment_score":-0.1943834200501442}],"sentiment":"neutral","sentiment_score":-0.17543384581804275,"channel":1,"num_words":15,"start":449.35498,"end":455.91},{"sentences":[{"text":"Perfect.","start":457.24503,"end":457.64502,"sentiment":"positive","sentiment_score":0.4642525315284729},{"text":"Because whenever I ask that question, I always get two answers.","start":457.64502,"end":460.545,"sentiment":"neutral","sentiment_score":0.1586869406429204},{"text":"Half the country says, get me out of the bloody rat race tomorrow, and the other half says, I wouldn't know what to do with myself.","start":460.765,"end":466.445,"sentiment":"neutral","sentiment_score":-0.020350630610035017},{"text":"I'll just keep going until I can't.","start":466.445,"end":468.30502,"sentiment":"neutral","sentiment_score":0.06134118352617536},{"text":"So that gives us a bit of room to kind of build up the super a lot more as well.","start":468.52502,"end":473.5,"sentiment":"neutral","sentiment_score":0.27994312047958375}],"sentiment":"neutral","sentiment_score":0.11859912580022446,"channel":0,"num_words":65,"start":457.24503,"end":473.5},{"sentences":[{"text":"Yes.","start":474.88498,"end":475.38498,"sentiment":"neutral","sentiment_score":0.31911057233810425}],"sentiment":"neutral","sentiment_score":0.31911057233810425,"channel":1,"num_words":1,"start":474.88498,"end":475.38498},{"sentences":[{"text":"Beautiful.","start":476.44,"end":476.94,"sentiment":"positive","sentiment_score":0.4764046967029571},{"text":"So when it comes to the super, as a quick kind of recap for you, so we've got you in a a growth portfolio.","start":477.08,"end":483.98,"sentiment":"neutral","sentiment_score":0.08346640489374597},{"text":"So I would kind of count that as, like, a four out of five on the risk scale.","start":484.745,"end":488.905,"sentiment":"neutral","sentiment_score":0.020332198693520494},{"text":"You're not a high growth.","start":488.905,"end":490.10498,"sentiment":"neutral","sentiment_score":-0.09252352491021157},{"text":"You're not a high risk, but you're one below that, which is mainly focusing on getting as much growth out of it as possible, but it's not that highest risk level.","start":490.10498,"end":498.985,"sentiment":"neutral","sentiment_score":-0.028960354025325468}],"sentiment":"neutral","sentiment_score":0.018799865712659267,"channel":0,"num_words":79,"start":476.44,"end":498.985},{"sentences":[{"text":"If that rings","start":498.985,"end":499.625,"sentiment":"neutral","sentiment_score":0.005215180416901906}],"sentiment":"neutral","sentiment_score":0.005215180416901906,"channel":0,"num_words":3,"start":498.985,"end":499.625},{"sentences":[{"text":"Yep.","start":499.525,"end":500.025,"sentiment":"neutral","sentiment_score":0.019556082785129547}],"sentiment":"neutral","sentiment_score":0.019556082785129547,"channel":1,"num_words":1,"start":499.525,"end":500.025},{"sentences":[{"text":"a buzz.","start":499.625,"end":500.07,"sentiment":"neutral","sentiment_score":0.037603436037898064},{"text":"So so when you're in growth, you kind of want about 80% of your super in growth assets, like shares and property and gold, kind of high risk, high returns, and about 20% sitting in the face of side of things.","start":501.99002,"end":515.73505,"sentiment":"neutral","sentiment_score":0.03327412576210208},{"text":"Does that make sense?","start":515.73505,"end":516.715,"sentiment":"neutral","sentiment_score":0.052477842196822166}],"sentiment":"neutral","sentiment_score":0.03509271057679298,"channel":0,"num_words":47,"start":499.625,"end":516.715},{"sentences":[{"text":"Yep.","start":517.54,"end":518.04,"sentiment":"neutral","sentiment_score":0.09395013749599455}],"sentiment":"neutral","sentiment_score":0.09395013749599455,"channel":1,"num_words":1,"start":517.54,"end":518.04},{"sentences":[{"text":"Cool.","start":518.935,"end":519.41504,"sentiment":"neutral","sentiment_score":0.19878897070884705},{"text":"So with a a growth profile, generally speaking, you wanna have at least eight to nine years to invest in that because, obviously, the markets go up and down, and we need to be able to get the growth out of it.","start":519.41504,"end":531.05005,"sentiment":"neutral","sentiment_score":0.06817186393198513},{"text":"But at the same time, you probably don't wanna be sitting in growth at the age of 69, and then you lose a third of your super year before you go to.","start":531.05005,"end":540.51,"sentiment":"neutral","sentiment_score":-0.08135853079147637},{"text":"You know what I mean?","start":540.875,"end":541.515,"sentiment":"neutral","sentiment_score":-0.01153072938323021},{"text":"So, like, grow it now and then protect it as you get closer.","start":541.515,"end":544.255,"sentiment":"neutral","sentiment_score":0.035440026137691275}],"sentiment":"neutral","sentiment_score":0.009264526488159293,"channel":0,"num_words":93,"start":518.935,"end":544.255},{"sentences":[{"text":"Yep.","start":545.96,"end":546.315,"sentiment":"neutral","sentiment_score":0.13765546679496765}],"sentiment":"neutral","sentiment_score":0.13765546679496765,"channel":1,"num_words":1,"start":545.96,"end":546.315},{"sentences":[{"text":"Cool.","start":547.755,"end":548.255,"sentiment":"neutral","sentiment_score":0.1807677000761032},{"text":"Any questions on that?","start":548.395,"end":549.27496,"sentiment":"neutral","sentiment_score":0.017439628951251507},{"text":"Does that general idea make sense for you?","start":549.27496,"end":551.455,"sentiment":"neutral","sentiment_score":0.07695936597883701},{"text":"Cool.","start":553.87,"end":554.11005,"sentiment":"positive","sentiment_score":0.534151017665863},{"text":"So just having a look at Veronica's advice to you previously when you got moved into Hub twenty four.","start":554.11005,"end":560.45,"sentiment":"neutral","sentiment_score":0.16907784852542376}],"sentiment":"neutral","sentiment_score":0.13978276616244606,"channel":0,"num_words":33,"start":547.755,"end":560.45},{"sentences":[{"text":"Now bear in mind, Hub's got kind of the most investment options in the industry right now, And one of the good things is it's got something called aggregated trading.","start":560.51,"end":570.885,"sentiment":"neutral","sentiment_score":0.24809832125902176},{"text":"And all that means is that if someone's buying what you're selling or selling what you're buying, we can purchase all those investments we've recommended for you, and it minimizes the the brokerage fee that you would normally pay with other funds.","start":571.025,"end":585.74005,"sentiment":"neutral","sentiment_score":0.32550699902432306}],"sentiment":"neutral","sentiment_score":0.29325338328878087,"channel":0,"num_words":72,"start":560.51,"end":585.74005},{"sentences":[{"text":"Yep.","start":586.84,"end":587.34,"sentiment":"neutral","sentiment_score":0.1319938749074936}],"sentiment":"neutral","sentiment_score":0.1319938749074936,"channel":1,"num_words":1,"start":586.84,"end":587.34},{"sentences":[{"text":"Now what that kinda looks like, I'm having a review of the account here and just looking at each investment option.","start":588.36005,"end":594.575,"sentiment":"neutral","sentiment_score":0.057303154929762797},{"text":"So a year ago, you were sitting at 248,000, and then we took a little bit of a dip when the war exploded overseas, and it","start":594.635,"end":605.03503,"sentiment":"neutral","sentiment_score":-0.07962757338268253}],"sentiment":"neutral","sentiment_score":-0.018445758604781426,"channel":0,"num_words":47,"start":588.36005,"end":605.03503},{"sentences":[{"text":"I","start":604.935,"end":605.095,"sentiment":"neutral","sentiment_score":-0.014566339552402496}],"sentiment":"neutral","sentiment_score":-0.014566339552402496,"channel":1,"num_words":1,"start":604.935,"end":605.095},{"sentences":[{"text":"went","start":605.03503,"end":605.275,"sentiment":"neutral","sentiment_score":-0.00870516151189804}],"sentiment":"neutral","sentiment_score":-0.00870516151189804,"channel":0,"num_words":1,"start":605.03503,"end":605.275},{"sentences":[{"text":"think","start":605.095,"end":605.415,"sentiment":"neutral","sentiment_score":-0.0147145576775074}],"sentiment":"neutral","sentiment_score":-0.0147145576775074,"channel":1,"num_words":1,"start":605.095,"end":605.415},{"sentences":[{"text":"from","start":605.275,"end":605.775,"sentiment":"neutral","sentiment_score":-0.030662566423416138}],"sentiment":"neutral","sentiment_score":-0.030662566423416138,"channel":0,"num_words":1,"start":605.275,"end":605.775},{"sentences":[{"text":"everybody did.","start":605.415,"end":606.555,"sentiment":"neutral","sentiment_score":-0.024847742170095444}],"sentiment":"neutral","sentiment_score":-0.024847742170095444,"channel":1,"num_words":2,"start":605.415,"end":606.555},{"sentences":[{"text":"two.","start":606.155,"end":606.57,"sentiment":"neutral","sentiment_score":0.0068998923525214195},{"text":"Exactly right.","start":607.85004,"end":608.89,"sentiment":"neutral","sentiment_score":0.13223088160157204},{"text":"So your volatility went from two forty seven down to two forty one, and now it's bounced back up to two just shy of two sixty eight.","start":608.89,"end":616.67,"sentiment":"neutral","sentiment_score":0.056214558995432325}],"sentiment":"neutral","sentiment_score":0.059638491614411274,"channel":0,"num_words":30,"start":606.155,"end":616.67},{"sentences":[{"text":"Yep.","start":617.72003,"end":618.22003,"sentiment":"neutral","sentiment_score":0.12553134560585022}],"sentiment":"neutral","sentiment_score":0.12553134560585022,"channel":1,"num_words":1,"start":617.72003,"end":618.22003},{"sentences":[{"text":"So it's bounced back quite well, but I did wanna let you know that it performed a little bit lower than the usual year just because of that dip in between.","start":619.45,"end":628.995,"sentiment":"neutral","sentiment_score":-0.08518520874842521}],"sentiment":"neutral","sentiment_score":-0.08518520874842521,"channel":0,"num_words":31,"start":619.45,"end":628.995},{"sentences":[{"text":"Yeah.","start":630.855,"end":631.175,"sentiment":"neutral","sentiment_score":-0.002727322280406952},{"text":"That's understandable.","start":631.175,"end":631.995,"sentiment":"neutral","sentiment_score":0.027914109639823437}],"sentiment":"neutral","sentiment_score":0.01770029899974664,"channel":1,"num_words":3,"start":630.855,"end":631.995},{"sentences":[{"text":"So what my job is today is basically I'm looking through this whole portfolio, and you've got a lot of different investments.","start":633.695,"end":641.23,"sentiment":"neutral","sentiment_score":0.11776456981897354},{"text":"There's about nine of them.","start":641.23,"end":642.61,"sentiment":"neutral","sentiment_score":0.13234889954328538},{"text":"And you've got gold that's going up 13%.","start":642.67,"end":645.38995,"sentiment":"neutral","sentiment_score":0.3180280476808548},{"text":"Amazing.","start":645.38995,"end":645.88995,"sentiment":"positive","sentiment_score":0.6957175731658936},{"text":"You've got some Australian shares that have gone up another 18%.","start":646.58997,"end":650.645,"sentiment":"positive","sentiment_score":0.601303753527728}],"sentiment":"neutral","sentiment_score":0.278869112279821,"channel":0,"num_words":47,"start":633.695,"end":650.645},{"sentences":[{"text":"That's amazing.","start":650.645,"end":651.465,"sentiment":"positive","sentiment_score":0.7071444988250732},{"text":"Healthcare has gone up 14.","start":653.125,"end":654.665,"sentiment":"positive","sentiment_score":0.45628889203071593},{"text":"Amazing.","start":654.725,"end":655.225,"sentiment":"positive","sentiment_score":0.4389714002609253},{"text":"The only two that have had a dip for you overall for the year is some India shares, which that one's a bit more of a, like, a long term thing.","start":655.445,"end":664.86,"sentiment":"neutral","sentiment_score":0.018321383263795607},{"text":"So if you think about the the way the economics is switching, a lot of people are kind of moving the manufacturing out of China and into India, if that rings it up.","start":665.0,"end":675.075,"sentiment":"neutral","sentiment_score":0.05854673265959277}],"sentiment":"neutral","sentiment_score":0.09214874884734552,"channel":0,"num_words":72,"start":650.645,"end":675.075},{"sentences":[{"text":"No.","start":678.755,"end":678.995,"sentiment":"neutral","sentiment_score":-0.20626048743724823},{"text":"It doesn't ring a bell.","start":678.995,"end":680.13495,"sentiment":"neutral","sentiment_score":-0.1667506843805313}],"sentiment":"neutral","sentiment_score":-0.1733356515566508,"channel":1,"num_words":6,"start":678.755,"end":680.13495},{"sentences":[{"text":"So what I'm sort of thinking with that one is, like, it's gone down a little bit, but based on our investment committee and what we're thinking is it's kind of like a five and ten year plan for those guys because we're expecting it to go up as things move across from China to India.","start":681.075,"end":696.76,"sentiment":"neutral","sentiment_score":0.04688567302322814},{"text":"So that one doesn't worry me too much.","start":696.76,"end":698.86,"sentiment":"neutral","sentiment_score":-0.08128950715763494}],"sentiment":"neutral","sentiment_score":0.03086377550062025,"channel":0,"num_words":64,"start":681.075,"end":698.86},{"sentences":[{"text":"Yeah.","start":699.4,"end":699.765,"sentiment":"neutral","sentiment_score":-0.06008348986506462}],"sentiment":"neutral","sentiment_score":-0.06008348986506462,"channel":1,"num_words":1,"start":699.4,"end":699.765},{"sentences":[{"text":"The only one that's a bit of a concern is you've got this Benelon Australian shares option, which when the Australian market kind of dipped, it dipped a little bit further.","start":699.48,"end":708.97504,"sentiment":"neutral","sentiment_score":-0.3062956150501005},{"text":"And then when the market came back up in Australia, it hasn't gone up as much.","start":709.275,"end":713.85,"sentiment":"negative","sentiment_score":-0.3714713230729103}],"sentiment":"neutral","sentiment_score":-0.32848309012169535,"channel":0,"num_words":47,"start":699.48,"end":713.85},{"sentences":[{"text":"Okay.","start":716.98004,"end":717.48004,"sentiment":"neutral","sentiment_score":-0.13377490639686584}],"sentiment":"neutral","sentiment_score":-0.13377490639686584,"channel":1,"num_words":1,"start":716.98004,"end":717.48004},{"sentences":[{"text":"So, overall, what I'm kind of seeing is that you've had that kind of 15,000 worth of growth out of the fund, but that one's kind of dropped you down a little bit, including what happened overseas as well.","start":717.05,"end":729.585,"sentiment":"neutral","sentiment_score":-0.2461796530928367},{"text":"So what I'm kind of thinking at this point, Brad, if you're comfortable, is I wanna kind of put a bit of a flag on this one and just keep an eye on it for the next few months leading up to Christmas and see either, a, if it bounces back.","start":730.145,"end":745.47,"sentiment":"neutral","sentiment_score":0.0556688362038603},{"text":"And then if it doesn't bounce back, maybe I can look at replacing that one, do a bit of an engine tune up on the super portfolio.","start":745.62994,"end":752.20996,"sentiment":"neutral","sentiment_score":-0.0773042938499539}],"sentiment":"neutral","sentiment_score":-0.0756334338305343,"channel":0,"num_words":117,"start":717.05,"end":752.20996},{"sentences":[{"text":"Yep.","start":753.35,"end":753.615,"sentiment":"neutral","sentiment_score":0.0899558886885643}],"sentiment":"neutral","sentiment_score":0.0899558886885643,"channel":1,"num_words":1,"start":753.35,"end":753.615},{"sentences":[{"text":"Okay?","start":754.99,"end":755.49,"sentiment":"neutral","sentiment_score":0.06695344299077988},{"text":"So what I would normally do is, like, after the reviews, we would obviously pencil in to contact you in twelve months' time.","start":755.87,"end":762.185,"sentiment":"neutral","sentiment_score":0.06951275046752847},{"text":"But I'm gonna try and contact you before Christmas because I don't wanna kinda leave at twelve months if that one continues to do what it's doing.","start":762.405,"end":770.025,"sentiment":"neutral","sentiment_score":-0.07013989660750937}],"sentiment":"neutral","sentiment_score":-0.004471186365859181,"channel":0,"num_words":51,"start":754.99,"end":770.025},{"sentences":[{"text":"Okay.","start":771.81,"end":772.31,"sentiment":"neutral","sentiment_score":0.05222100764513016}],"sentiment":"neutral","sentiment_score":0.05222100764513016,"channel":1,"num_words":1,"start":771.81,"end":772.31},{"sentences":[{"text":"K.","start":773.525,"end":773.765,"sentiment":"neutral","sentiment_score":0.04808976501226425},{"text":"Is that okay with you if I contact you sort of once halfway through the year and then again for that next full year?","start":773.765,"end":779.57996,"sentiment":"neutral","sentiment_score":0.11422690749168396}],"sentiment":"neutral","sentiment_score":0.11158142179250717,"channel":0,"num_words":25,"start":773.525,"end":779.57996},{"sentences":[{"text":"Yeah.","start":779.89,"end":780.13,"sentiment":"neutral","sentiment_score":0.1697903424501419},{"text":"That's fine.","start":780.13,"end":780.735,"sentiment":"neutral","sentiment_score":0.3158107399940491}],"sentiment":"neutral","sentiment_score":0.26713727414608,"channel":1,"num_words":3,"start":779.89,"end":780.735},{"sentences":[{"text":"Cool.","start":782.12,"end":782.62,"sentiment":"positive","sentiment_score":0.44545477628707886},{"text":"I'm gonna do a bit of background research in in the background.","start":782.68,"end":785.82,"sentiment":"neutral","sentiment_score":0.19039208193620047},{"text":"Now we're obviously gonna make recommendations down the line for you.","start":785.95996,"end":789.56,"sentiment":"neutral","sentiment_score":0.2375619953328913},{"text":"But just in terms of style, because Hub's got, like, a 300 options there, I need to kind of whittle it down a little bit.","start":789.56,"end":798.565,"sentiment":"neutral","sentiment_score":-0.02688291557133198},{"text":"No long answer to this question, Brad, but if you had to pick between","start":799.985,"end":803.96,"sentiment":"neutral","sentiment_score":-0.016528747709734098}],"sentiment":"neutral","sentiment_score":0.07047406906291606,"channel":0,"num_words":63,"start":782.12,"end":803.96},{"sentences":[{"text":"At","start":804.925,"end":805.425,"sentiment":"neutral","sentiment_score":-0.010211393237113953}],"sentiment":"neutral","sentiment_score":-0.010211393237113953,"channel":1,"num_words":1,"start":804.925,"end":805.425},{"sentences":[{"text":"low fee investments or higher fee for a higher return, where do you kinda lean between the two?","start":804.98,"end":811.48,"sentiment":"neutral","sentiment_score":0.008385542521460189}],"sentiment":"neutral","sentiment_score":0.008385542521460189,"channel":0,"num_words":18,"start":804.98,"end":811.48},{"sentences":[{"text":"the moment, I paid lower fee","start":820.26996,"end":822.45,"sentiment":"neutral","sentiment_score":0.011721680561701456}],"sentiment":"neutral","sentiment_score":0.011721680561701456,"channel":1,"num_words":6,"start":820.26996,"end":822.45},{"sentences":[{"text":"Okay.","start":823.79504,"end":824.29504,"sentiment":"neutral","sentiment_score":0.016216088086366653}],"sentiment":"neutral","sentiment_score":0.016216088086366653,"channel":0,"num_words":1,"start":823.79504,"end":824.29504},{"sentences":[{"text":"just 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well.","start":1063.04,"end":1065.765,"sentiment":"neutral","sentiment_score":0.1492765247821808}],"sentiment":"neutral","sentiment_score":0.12000292311939928,"channel":0,"num_words":36,"start":1055.76,"end":1065.765},{"sentences":[{"text":"Yep.","start":1066.2899,"end":1066.7899,"sentiment":"neutral","sentiment_score":0.27160659432411194}],"sentiment":"neutral","sentiment_score":0.27160659432411194,"channel":1,"num_words":1,"start":1066.2899,"end":1066.7899},{"sentences":[{"text":"Amazing.","start":1068.485,"end":1068.985,"sentiment":"neutral","sentiment_score":0.12651903927326202},{"text":"Well, thank you very much for your time today, mate.","start":1069.205,"end":1071.365,"sentiment":"positive","sentiment_score":0.8343161344528198},{"text":"I will go away and do some of that research there, and then just keep an ear out later in the year for us to kind of book in for a quick catch up for the super.","start":1071.365,"end":1080.18,"sentiment":"positive","sentiment_score":0.42674559636695963},{"text":"If anything else just pops up in between, just give us a buzz.","start":1080.56,"end":1083.7001,"sentiment":"neutral","sentiment_score":0.2756655181829746}],"sentiment":"positive","sentiment_score":0.4564412981271744,"channel":0,"num_words":61,"start":1068.485,"end":1083.7001},{"sentences":[{"text":"No worries.","start":1084.285,"end":1084.9451,"sentiment":"positive","sentiment_score":0.40475092828273773}],"sentiment":"positive","sentiment_score":0.40475092828273773,"channel":1,"num_words":2,"start":1084.285,"end":1084.9451},{"sentences":[{"text":"Awesome, Brad.","start":1086.9601,"end":1087.6,"sentiment":"positive","sentiment_score":0.8441094756126404},{"text":"You have a fantastic weekend, mate, and thank you again for your time.","start":1087.6,"end":1090.8201,"sentiment":"positive","sentiment_score":0.8798184303136972}],"sentiment":"positive","sentiment_score":0.8750572363535564,"channel":0,"num_words":15,"start":1086.9601,"end":1090.8201},{"sentences":[{"text":"No worries.","start":1091.18,"end":1091.66,"sentiment":"positive","sentiment_score":0.43084968626499176},{"text":"Thanks a lot.","start":1091.66,"end":1092.64,"sentiment":"positive","sentiment_score":0.755841076374054}],"sentiment":"positive","sentiment_score":0.625844520330429,"channel":1,"num_words":5,"start":1091.18,"end":1092.64},{"sentences":[{"text":"See you later.","start":1093.92,"end":1094.64,"sentiment":"positive","sentiment_score":0.6409064133961996},{"text":"Cheers.","start":1094.64,"end":1095.0449,"sentiment":"positive","sentiment_score":0.6250643730163574}],"sentiment":"positive","sentiment_score":0.636945903301239,"channel":0,"num_words":4,"start":1093.92,"end":1095.0449},{"sentences":[{"text":"Bye.","start":1095.5801,"end":1096.0801,"sentiment":"neutral","sentiment_score":-0.11278513073921204}],"sentiment":"neutral","sentiment_score":-0.11278513073921204,"channel":1,"num_words":1,"start":1095.5801,"end":1096.0801}]},"summary":{"result":"success","short":"A senior adviser from Oakview named Tommy calls Brad to schedule an annual review and update him on his assets and liabilities. They discuss his beneficiary nominations and whether he wants to put a will in place. Brad wants to wait until he has a will in place before putting a will in place. The speaker emphasizes the importance of investing in growth and protecting the customer's super in case of market volatility. They also discuss investment options, including a lower fee investment option and a passive option that will drop fees, and plan to make recommendations down the line and update the beneficiaries if anything changes."},"intents":{"segments":[{"text":"Mate, I've just got you booked in for a bit of an annual review. Do you still have some time for me today? Yep.","start_word":19,"end_word":42,"intents":[{"intent":"Review annual","confidence_score":0.010408082}]},{"text":"Mate, while I'm popping that through, Theo, just wanna quickly check security with you if that's okay. Yep.","start_word":85,"end_word":102,"intents":[{"intent":"Check security","confidence_score":0.765521}]},{"text":"Now, mate, I've got a couple of things I wanted to touch on today regarding the super there and just some details to quickly update with you. But before I jump into it, anything in particular that you'd like to focus on for this review? No. Perfect.","start_word":144,"end_word":190,"intents":[{"intent":"Update super","confidence_score":0.5596865}]},{"text":"So just before I jump into the super there, I've got you listed down I believe you moved from Victoria to South Australia, but you're still doing the truck driving for sergeant transport. Is that right? Yeah.","start_word":205,"end_word":241,"intents":[{"intent":"Discuss transportation arrangements","confidence_score":0.0008005931}]},{"text":"I think I had you at about a 130,000 on the income. Has that changed much after the tax year just ended? I'm not sure.","start_word":300,"end_word":324,"intents":[{"intent":"Confirm income","confidence_score":0.012414125}]},{"text":"And last couple of things I wanted to just quickly update, we just Just in terms of assets and liability, we only really had you noted down with a couple of credit cards and some personal loans. Is that right? Yeah.","start_word":386,"end_word":426,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.014605228}]},{"text":"With your sisters, are they would they count as, like, a financial dependent, like, living together and and you're looking after them kind of thing, or is that just kind of your most closest next to kin? Mexican.","start_word":694,"end_word":731,"intents":[{"intent":"Confirm super super eligibility","confidence_score":0.013938942}]},{"text":"So just in terms of time frame, kinda like four versus eleven years is very, very different for investing. Are we still looking more towards the age pension age, or what do you think? More like 75.","start_word":1084,"end_word":1120,"intents":[{"intent":"Discuss investing timeframe","confidence_score":0.011307702},{"intent":"Discuss timeframe","confidence_score":0.0010804841},{"intent":"Discuss super growth","confidence_score":0.019365884},{"intent":"Discuss investment portfolio","confidence_score":0.04503153},{"intent":"Discuss investment strategy","confidence_score":0.13702312}]},{"text":"So with a a growth profile, generally speaking, you wanna have at least eight to nine years to invest in that because, obviously, the markets go up and down, and we need to be able to get the growth out of it. But at the same time, you probably don't wanna be sitting in growth at the age of 69, and then you lose a third of your super year before you go to. You know what I mean?","start_word":1376,"end_word":1454,"intents":[{"intent":"Plan life expectancy","confidence_score":0.0000060291063}]},{"text":"So it's bounced back quite well, but I did wanna let you know that it performed a little bit lower than the usual year just because of that dip in between. Yeah.","start_word":1659,"end_word":1690,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.003010134}]},{"text":"So what I'm sort of thinking with that one is, like, it's gone down a little bit, but based on our investment committee and what we're thinking is it's kind of like a five and ten year plan for those guys because we're expecting it to go up as things move across from China to India.","start_word":1819,"end_word":1874,"intents":[{"intent":"Plan investment and review investment","confidence_score":6.7952914e-7}]},{"text":"No long answer to this question, Brad, but if you had to pick between At low fee investments or higher fee for a higher return, where do you kinda lean between the two?","start_word":2179,"end_word":2211,"intents":[{"intent":"Inquire about options","confidence_score":0.0057179835}]},{"text":"And if you have, we'll update the beneficiaries then as well. Yep.","start_word":2889,"end_word":2900,"intents":[{"intent":"Update and update beneficiaries","confidence_score":0.02645826}]}]},"sentiments":{"segments":[{"text":"Good day, Brad.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.43815118074417114},{"text":"It's Tommy here, senior adviser from Oakview, mate. How are you doing today? Not too bad. Mate, I've just got you booked in for a bit of an annual review. Do you still have some time for me today? Yep.","start_word":3,"end_word":42,"sentiment":"neutral","sentiment_score":0.21358415484428409},{"text":"Beautiful. Beautiful.","start_word":43,"end_word":44,"sentiment":"positive","sentiment_score":0.6399254202842712},{"text":"So I've got a bit of a pack I'm gonna send out to your email there. Will you be able to look onto it with me, or should I just walk you through what's coming by? Either way. Yep. Cool. Mate, while I'm popping that through, Theo, just wanna quickly check security with you if that's okay. Yep. Just need your date of birth and address. The 08/05/1970. And, 13 McCallum Parade, Gawler East, South Australia 5118. Sensational.","start_word":45,"end_word":122,"sentiment":"neutral","sentiment_score":0.11842504143714903},{"text":"Thank you very much for that, Brad. And I'm registered with Attic as adviser 1273105. So thank you for doing that.","start_word":123,"end_word":143,"sentiment":"positive","sentiment_score":0.5082403421401978},{"text":"Now, mate, I've got a couple of things I wanted to touch on today regarding the super there and just some details to quickly update with you. But before I jump into it, anything in particular that you'd like to focus on for this review? No. Perfect. So just a bit of a general update, that kind of thing. Yep. Sensational. So just before I jump into the super there, I've got you listed down I believe you moved from Victoria to South Australia, but you're still doing the truck driving for sergeant transport. Is that right? Yeah. Is that local truck driving or long distance long haul? I did five. Fantastic. But I went to I went to Mount Gambier today, so that that was a thousand k round trip. And oh, jeez. Okay. That could be a bit fun. And you're not hauling any explosives or anything crazy, are you? No. Food. So sensational. I think I had you at about a 130,000 on the income. Has that changed much after the tax year just ended? I'm not sure. I haven't done my tax issue yet. Okay. Cool. So I'll kind of leave it at that for the time being. I might just have a quick look at the contributions and see if there's any big differences that I can spot. But they seem to be coming in pretty smoothly from work, so no issues I can currently see, mate. And last couple of things I wanted to just quickly update, we just Just in terms of assets and liability, we only really had you noted down with a couple of credit cards and some personal loans. Is that right? Yeah.","start_word":144,"end_word":426,"sentiment":"neutral","sentiment_score":0.04116682269258339},{"text":"They're Oh, fantastic. Congratulations all on that.","start_word":427,"end_word":433,"sentiment":"positive","sentiment_score":0.635802686214447},{"text":"And have you managed to, like, purchase any property or shares or anything like that? gone. No. Cool. And just in terms of, like, cash flow and savings, have you managed to build up any kind of savings buffer, or is that kind of on the cards for you for the next few years as well? That that's from the card. It's just at the moment, because of the move and that, it doesn't leave you anything to save up to. Gotta start again. Yeah. Yeah. And do you know if you've got, like, a set amount that you're able to put away now, or you're still trying to figure it out a little bit? But I'm still trying to figure it out. Yep. No. No. No worries at all. So what I won't do is we probably won't look at doing any, like, personal investments or contributions to Super at this point if you're just trying to settle into the new state and everything? Yep. Beautiful. And last one, in terms of details, did you end up putting, like, a a will in place or a power of attorney? Oh, I tried to, but I couldn't get it done. That's alright. Now I'm just looking at the beneficiary nominations for the super there. Was there anyone in particular you wanted me to put down for the super itself outside of, like, a will and your personal assets? Yeah. Just me two sisters. This is okay.","start_word":434,"end_word":679,"sentiment":"neutral","sentiment_score":0.0070753698237240314},{"text":"Cool.","start_word":680,"end_word":680,"sentiment":"positive","sentiment_score":0.35160839557647705},{"text":"So options there for it because oh, actually, quick double check point. With your sisters, are they would they count as, like, a financial dependent, like, living together and and you're looking after them kind of thing, or is that just kind of your most closest next to kin? Mexican.","start_word":681,"end_word":730,"sentiment":"neutral","sentiment_score":0.0731271556019783},{"text":"Cool.","start_word":731,"end_word":731,"sentiment":"positive","sentiment_score":0.42356035113334656},{"text":"So the two options are, when it comes to the super, you can nominate the super to go into your name, which is like your estate with your shoes and your car and your savings. And then through a will, you can actually distribute it out to your sisters with all your other assets and everything. But if we don't put the will in place and I put the nomination in place, then the superintendents tend to get tied up in that probate process through the court. So what I wanted to ask you was, do you want me to kinda just hold off on that one until you do get a will in place, or do you still want me to put that in there if you're gonna do it quite soon? No. I'll just, like, if I get a willing fight. Cool.","start_word":732,"end_word":875,"sentiment":"neutral","sentiment_score":0.11901739239692688},{"text":"Awesome.","start_word":876,"end_word":876,"sentiment":"positive","sentiment_score":0.43371742963790894},{"text":"Because, again, I don't wanna kinda jump the gun and lock your super up, and then they've gotta go through the call and all that kind of thing. Yep. So alrighty. Just quickly before I jump into the super bed, the insurance side of things, I think you had the the TPD cover with Zurich canceled because you kinda didn't really see the point of it.","start_word":877,"end_word":942,"sentiment":"neutral","sentiment_score":-0.041534483432769775},{"text":"No value in it, that kind of thing.","start_word":943,"end_word":950,"sentiment":"negative","sentiment_score":-0.33530452847480774},{"text":"Is that right? Yes. Perfect. So I just needed to double check if you're wanting me to get any kind of quotes for, you know, life insurance or anything like that for this year or if you're happy just to focus on the super. Just the sugar.","start_word":951,"end_word":997,"sentiment":"neutral","sentiment_score":0.18205180764198303},{"text":"Perfect.","start_word":998,"end_word":998,"sentiment":"positive","sentiment_score":0.3692755997180938},{"text":"Now when it comes to the super, mate, I've got you listed down just going a bit slow and steady with the retirement age, which I think you would just pretty much get a work flight through to sort of pension age and try and get that kind of $1,500 paid out, you know, bit of super for being self funded. What I wanted to ask you about was you can access your super at 60, and the age pension kicks in at 67. So just in terms of time frame, kinda like four versus eleven years is very, very different for investing. Are we still looking more towards the age pension age, or what do you think? More like 75.","start_word":999,"end_word":1119,"sentiment":"neutral","sentiment_score":0.007377749416700079},{"text":"Awesome.","start_word":1120,"end_word":1120,"sentiment":"positive","sentiment_score":0.4720233082771301},{"text":"So are you at all point thinking of, like, kind of slowing down the part time in your sixties, or you just wanna kind of go for as much growth as possible and then just let the super tick away until 70. Probably just keep going until the body says, no. I can't do it any longer.","start_word":1121,"end_word":1177,"sentiment":"neutral","sentiment_score":-0.02814835123717785},{"text":"Perfect.","start_word":1178,"end_word":1178,"sentiment":"positive","sentiment_score":0.4642525315284729},{"text":"Because whenever I ask that question, I always get two answers. Half the country says, get me out of the bloody rat race tomorrow, and the other half says, I wouldn't know what to do with myself. I'll just keep going until I can't. So that gives us a bit of room to kind of build up the super a lot more as well. Yes.","start_word":1179,"end_word":1243,"sentiment":"neutral","sentiment_score":0.10762818902730942},{"text":"Beautiful.","start_word":1244,"end_word":1244,"sentiment":"positive","sentiment_score":0.4764046967029571},{"text":"So when it comes to the super, as a quick kind of recap for you, so we've got you in a a growth portfolio. So I would kind of count that as, like, a four out of five on the risk scale. You're not a high growth. You're not a high risk, but you're one below that, which is mainly focusing on getting as much growth out of it as possible, but it's not that highest risk level. If that rings Yep. a buzz. So so when you're in growth, you kind of want about 80% of your super in growth assets, like shares and property and gold, kind of high risk, high returns, and about 20% sitting in the face of side of things. Does that make sense? Yep. Cool. So with a a growth profile, generally speaking, you wanna have at least eight to nine years to invest in that because, obviously, the markets go up and down, and we need to be able to get the growth out of it. But at the same time, you probably don't wanna be sitting in growth at the age of 69, and then you lose a third of your super year before you go to. You know what I mean? So, like, grow it now and then protect it as you get closer. Yep. Cool. Any questions on that? Does that general idea make sense for you?","start_word":1245,"end_word":1481,"sentiment":"neutral","sentiment_score":0.02019797105200683},{"text":"Cool.","start_word":1482,"end_word":1482,"sentiment":"positive","sentiment_score":0.534151017665863},{"text":"So just having a look at Veronica's advice to you previously when you got moved into Hub twenty four. Now bear in mind, Hub's got kind of the most investment options in the industry right now, And one of the good things is it's got something called aggregated trading. And all that means is that if someone's buying what you're selling or selling what you're buying, we can purchase all those investments we've recommended for you, and it minimizes the the brokerage fee that you would normally pay with other funds. Yep. Now what that kinda looks like, I'm having a review of the account here and just looking at each investment option. So a year ago, you were sitting at 248,000, and then we took a little bit of a dip when the war exploded overseas, and it I went think from everybody did. two. Exactly right. So your volatility went from two forty seven down to two forty one, and now it's bounced back up to two just shy of two sixty eight. Yep. So it's bounced back quite well, but I did wanna let you know that it performed a little bit lower than the usual year just because of that dip in between. Yeah. That's understandable. So what my job is today is basically I'm looking through this whole portfolio, and you've got a lot of different investments. There's about nine of them. And you've got gold that's going up 13%.","start_word":1483,"end_word":1727,"sentiment":"neutral","sentiment_score":0.12501130998134613},{"text":"Amazing. You've got some Australian shares that have gone up another 18%. That's amazing. Healthcare has gone up 14. Amazing.","start_word":1728,"end_word":1747,"sentiment":"positive","sentiment_score":0.5872169733047485},{"text":"The only two that have had a dip for you overall for the year is some India shares, which that one's a bit more of a, like, a long term thing. So if you think about the the way the economics is switching, a lot of people are kind of moving the manufacturing out of China and into India, if that rings it up. No. It doesn't ring a bell. So what I'm sort of thinking with that one is, like, it's gone down a little bit, but based on our investment committee and what we're thinking is it's kind of like a five and ten year plan for those guys because we're expecting it to go up as things move across from China to India. So that one doesn't worry me too much. Yeah. The only one that's a bit of a concern is you've got this Benelon Australian shares option, which when the Australian market kind of dipped, it dipped a little bit further.","start_word":1748,"end_word":1913,"sentiment":"neutral","sentiment_score":-0.05155177672494607},{"text":"And then when the market came back up in Australia, it hasn't gone up as much.","start_word":1914,"end_word":1929,"sentiment":"negative","sentiment_score":-0.37853842973709106},{"text":"Okay. So, overall, what I'm kind of seeing is that you've had that kind of 15,000 worth of growth out of the fund, but that one's kind of dropped you down a little bit, including what happened overseas as well. So what I'm kind of thinking at this point, Brad, if you're comfortable, is I wanna kind of put a bit of a flag on this one and just keep an eye on it for the next few months leading up to Christmas and see either, a, if it bounces back. And then if it doesn't bounce back, maybe I can look at replacing that one, do a bit of an engine tune up on the super portfolio. Yep. Okay? So what I would normally do is, like, after the reviews, we would obviously pencil in to contact you in twelve months' time. But I'm gonna try and contact you before Christmas because I don't wanna kinda leave at twelve months if that one continues to do what it's doing. Okay. K. Is that okay with you if I contact you sort of once halfway through the year and then again for that next full year? Yeah. That's fine.","start_word":1930,"end_word":2128,"sentiment":"neutral","sentiment_score":-0.029717547819018364},{"text":"Cool.","start_word":2129,"end_word":2129,"sentiment":"positive","sentiment_score":0.44545477628707886},{"text":"I'm gonna do a bit of background research in in the background. Now we're obviously gonna make recommendations down the line for you. But just in terms of style, because Hub's got, like, a 300 options there, I need to kind of whittle it down a little bit. No long answer to this question, Brad, but if you had to pick between At low fee investments or higher fee for a higher return, where do you kinda lean between the two? the moment, I paid lower fee Okay. just because Alrighty. of the volatility going on at the moment. Yeah. Yep. So what I'm thinking then is I'm gonna put a flag on this option. And then next time I talk to you, if that one hasn't picked up its game by, say, November, December, I'm gonna switch it out for a lower fee option. It's a passive option that'll kind of drop the fees down and be a bit more closer to following the the usual stock market. So, Yep. you know, have you ever seen on the news where they talk about the the indexes where they say, you know, the ASX and the Dow Jones and the Hang Seng and all those Yeah. types of names? Yep. Yep. So instead of paying extra for a fund manager to try and beat it, we're probably gonna look at something that follows those a bit closer for Okay. lower cost. Yep. Cool. So I'm not gonna do anything in terms of changing the risk level at the moment unless you're wanting to kind of bump it up to high risk to try and bump the returns up. But if you're comfortable, I was just kinda looking at, again, flag this. If it hasn't done its thing, I'll switch into some lower fee investments towards the end of the year.","start_word":2130,"end_word":2439,"sentiment":"neutral","sentiment_score":0.03754801114480342},{"text":"No. I'm happy with it at the moment in in in where it is.","start_word":2440,"end_word":2453,"sentiment":"negative","sentiment_score":-0.4030430316925049},{"text":"Okay. So you leave that in my court. We will get in touch with you before the end of the year. Just have a quick catch up together, and and then I'll have done some research in between now and then on some suitable options as well. Yep.","start_word":2454,"end_word":2501,"sentiment":"neutral","sentiment_score":0.14940820634365082},{"text":"Cool. Alrighty.","start_word":2502,"end_word":2503,"sentiment":"positive","sentiment_score":0.42404013872146606},{"text":"So at this point, I've sent through that review pack for you. And Yeah. just to I've let signed you know it kind all.","start_word":2504,"end_word":2527,"sentiment":"neutral","sentiment_score":0.2808566093444824},{"text":"of what's there oh, thanks, mate.","start_word":2528,"end_word":2533,"sentiment":"positive","sentiment_score":0.40083572268486023},{"text":"Just to let you know what you have done, We're doing a little lawsuit for search, which is just ping the government system to see if there's any super funds floating around. Only reason why I'm doing that too is because sometimes the old insurance policies pop up on the system too. So I just wanna make sure that's all good and closed in the background. Tax phone number opt in there. Again, the tax phone numbers are pretty important. So what we're doing with that form is just keeping the number on one form rather than in all the digital systems for the hackers to grab. Yep. And just a bit of an update for you as well. So the fee agreement that you just signed for the consent with. So we haven't changed anything fee wise. It's still the 1.65%. But Barton Seve are doing up a bit of a tiered structure next year. So everybody above 200,000, they're gonna start to get some discount from next year onwards as well. So once we've got the paperwork done, before Christmas, I'll go through the portfolio with you and see if we change it. And then next review, there should be some discounts on our fees as well. Yeah. No worries.","start_word":2534,"end_word":2745,"sentiment":"neutral","sentiment_score":0.08581637591123581},{"text":"Awesome, mate.","start_word":2746,"end_word":2747,"sentiment":"positive","sentiment_score":0.5339307188987732},{"text":"Any questions for me at this point? No. You covered it all.","start_word":2748,"end_word":2759,"sentiment":"neutral","sentiment_score":0.13049465417861938},{"text":"Cool.","start_word":2760,"end_word":2760,"sentiment":"positive","sentiment_score":0.35159075260162354},{"text":"And the other little quick thing I was gonna leave you with is when it comes like, the will and everything, I know solicitors can charge an arm and a leg. If it's helpful, you can get government approved will kits from Australia Post. They're, like, $25 a pop. So if that helps at least get something in place, just wanted to kinda let you know there's a few options out there. Yep.","start_word":2761,"end_word":2833,"sentiment":"neutral","sentiment_score":0.13097384572029114},{"text":"Awesome.","start_word":2834,"end_word":2834,"sentiment":"positive","sentiment_score":0.4719527661800385},{"text":"Now Yeah.","start_word":2835,"end_word":2836,"sentiment":"neutral","sentiment_score":0.311635285615921},{"text":"I Yeah. do appreciate I'll be doing you taking it.","start_word":2837,"end_word":2846,"sentiment":"positive","sentiment_score":0.4945319294929504},{"text":"the time today. I'll be doing Oh, sorry. the You world go. later in the year. So So when we catch up next to the portfolio, I'll just quickly ping you and see if you managed to get it sorted or not. And if you have, we'll update the beneficiaries then as well. Yep.","start_word":2847,"end_word":2900,"sentiment":"neutral","sentiment_score":0.11492575705051422},{"text":"Amazing. Well, thank you very much for your time today, mate. I will go away and do some of that research there, and then just keep an ear out later in the year for us to kind of book in for a quick catch up for the super.","start_word":2901,"end_word":2948,"sentiment":"positive","sentiment_score":0.5271728498240312},{"text":"If anything else just pops up in between, just give us a buzz.","start_word":2949,"end_word":2961,"sentiment":"neutral","sentiment_score":0.28679364919662476},{"text":"No worries. Awesome, Brad. You have a fantastic weekend, mate, and thank you again for your time. No worries. Thanks a lot. See you later. Cheers. Bye.","start_word":2962,"end_word":2988,"sentiment":"positive","sentiment_score":0.7236008048057556}],"average":{"sentiment":"neutral","sentiment_score":0.07813488629709676}}}}