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Just because it is a new call there, unfortunately, I do have to pass through that security again there, Tasman, with that name, date of birth, and current address. We can get stuck back into that. Perfect. Perfect. Thank you. Now I know we're just sort of chatting just about, yeah, assets, liabilities. Is there anything else that you sort of haven't mentioned or you haven't mentioned that you've got in regards to assets, liabilities, any loans, things like that? Yep. Alright. And then as far as your health, in the last twelve months since you last spoke to us there, you're still currently a nonsmoker? Yeah. And then as far as, like, your medication, you're still taking the medication for for diabetes at the moment? Yep. Is is there any other medications that you're taking at the moment? Yep. And then as far as a will, have you managed around to getting a will sort in the last twelve months? Because we can sort of send you some details just in regards to, like, a local solicitor here and their general pricing just to give you an idea. Do you have a read through about a bit more about, like, wills and estates and things like that and what it might be? Yeah. Perfect. And then in regards to goals that you're working towards at the moment there, Tasman, is there I know you wanted to go to a holiday to Thailand, and then you've got your retirement sort of goals in mind of, like, what you're trying to save towards there. But is there anything else that you're trying to achieve in the the short term, maybe set part pay down the the car loan there? Yep. Yep. Yep. So in in terms of that one, in terms of, like, purchasing, like, the family member's house or looking at a different sort of house? Like you were saying, it is sorta like, where is it looking like as a fan like your sorta your partner and then, like, a group of people going for a house or, like, just yourself? In terms of, like, caring for her or trying to what's that, sir? Yep. And does your mother own a house as well that you'd be, like, moving in with, or is it sorta you'd be looking? Yep. Okay. Yep. So does that mean that you're potentially planning on moving back to New Zealand? Yep. Yep. So is that something that you're looking at sort of shortly? Is that something that you wanna sort of see how things plays out in the next sort of six to twelve months? Just, like, making sure you continue to to save and then maybe speaking to a mortgage broker to see what that might look like. Yeah. Because I can just make a note of it sort of in the, you know, the next sort of twelve to to twenty four months there just depending on what happens, you know, family wise. Obviously, in the meantime, the good idea is to obviously try and build up as much savings as possible to, you know, put it go towards a potential house deposit in that time frame. We can send through a budget planner. You don't have to use this by any means, but it is a good tool to be able to just map out your budget and sort of that savings. I know you're sort of putting away a little bit in savings at the moment regularly, but this can help you track it a little bit more, track your bills and expenses, and prepare for, like, a little bit of those larger expenses that come up, you know, like the your like, rego, things like that as well, and just, like, planning playing it out a bit better. Perfect. I'll get that sent out to you after this phone call there as well. I will also do a quick risk profile there with you, Tasman, just make sure it aligns with what we've currently got you invested in. So just bear with me while I open that back up. It's just closed down on me. Yeah. Perfect. And just to refresh my memory there, Tasman, have you ever invested in direct shares previously, or is it just like what you've done through Oakview? Investing direct shares like any other investments apart from like your superannuation? Yep. And within regards to like retire, I know you sort of as a rough sort of things, reckon you'll be sort of still working to that age 67, especially if you're sort of looking at property and things like that as well. Is that sort of still the case working to that time frame? Yep. And then with inflation, obviously, you know, the cost of living isn't getting any cheaper. You probably feel that a little bit. Are you still yeah. Are you still willing to, like, accept sort of moderate or high amount of risk to try and outpace inflation with your superannuation? I know, you know, being that you came from New Zealand, it's not the the highest balance there. And do you still have a Kiwi saver there, Tasman? Okay. Back then. Yeah. Yep. Yeah. So that's part of, like, obviously, the the review here as well. Just to I believe the last time I checked when the the tenth of the third day was when the last time they called, it was around 19,600 sitting in that one. So as a part of that, we can review your your investments in that rollover strategies. You got around 52 in your your hub twenty four there as well. Yep. And so to go back to that question, it has been a did you consider yourself a bit of a moderate risk taker there or a bit higher depending on that with, like, trying to get the most out of your superannuation? Yep. And then sort of with everything going on in the markets at the moment, if your portfolio was to decrease by 20% due to what's happening in the market, you know, the wars and things like that, would you, like, wanna sorta shift your investments to be a bit more defensive? Would you just hold and wait it out for the the longer term given that you don't sort of plan on retiring soon or maybe sort of, you know, think of alternative options? Yeah. Yeah. Sort of that you would just kind of like hold and wait it out. You wouldn't sort of go trying to sell anything down to cash and things like that? Yeah. Exactly. And then during events like COVID where Super did take a bit of a dive, did that make you a little bit concerned or cautious about what was going on in your superannuation investments? Yeah. Yep. And with that, obviously, you know, wars create, you know, quite volatile environments. But in terms of, like, long term effects, generally, you know, it is a little bit more short lived than, like, pandemics and, like, terrorist attacks, those sort of things. They do tend to, after, you know, a period of time, once the the dust has settled, as per se, they do sort of recover quite quickly still as well. And that does bring you out still to a growth investor, which is what we've currently got you invested in. So fantastic. That still lines up. Now did you get that email there that I sent before, Tasmin, with your your document? You you signed it already? I'll just have a a double check. Yep. That one has been signed. So with that one there, that was a tax file not in and a a lost super search form. We just send that off to the ATO to ensure there's no other accounts out there in your name. The tax file number opt in one was just in regards to where we store your tax file number on file. We've just updated that form where it was previously. It would just be redacted off that one. Now in regards to the updates, there were a few business updates. You do have the most up to date financial services card. Now in terms of the fee you do pay there, Tasman, so back in I believe it was let me just double check. Might have been quite a while ago now. Harry turned off your fee just because of the lower balance to help your superannuation grow. Now as part of reviewing your superannuation investments there as well, given that it has climbed over the the 50,000 mark, they may wanna turn that back on. I'll have a discussion with the the team there. We'll do the research first in regards to that. We also will do a review just of your I know you updated your investments in 2024. And since then, you know, in the last twelve months, it did 7.7% in regards to a return, which is still quite a nice return for a growth portfolio with everything that is going on there. But your actively managed fund, Venlo, which makes up for around six or 7% of your portfolio, they just had an underlying investment called corporate traveler, which was done for not reporting correctly. And then as a result of that, they had to reevaluate not only corporate traveler, but the fund itself lost a lot of value and consumer confidence. Now Oku's decision as regards to that was to to move away from Benelon. Now given the recency of that, we can just opt to do a record of advice and switch that investment there to Australian two hundred, which is an indexed investment. Now you wouldn't have an active portion to your super anymore, so there wouldn't be a managed fund where they're actively trying to outperform the market. It means that it's kind of reduced the cost and then that you just track those indexes. Especially with everything going on, it's a bit hard to pick winners at the moment as well. But in saying that, there is an option to review your portfolio, look at another active replacement, or we can just do that quick change with the Benelon two, the alternative. You will make a little bit of a loss to that, but it'll also offset some costs and capital gains moving forward if that makes sense as well, Tasmin. Yep. Do you think you just wanna do the the quick swap to the index alternative that doesn't have that manager risk, or would you like to review your portfolio as a whole and see another active alternative? Just the the more passive approach there. Obviously, once we do it, we'll sort of just, like, email that in regards to that. There'll be a document. I can even give you a quick call to run you through it. But, basically, you're in it. The Benelong is an Australian equities fund, so the a 200 is the top 200 companies in Australia. And then what that e exchange traded fund does is it just tracks those top 200 as companies get bigger. They go up in that 200. You hold them as an investment. As they drop down there as well, they'll fall out of that 200 there. So it still is a little bit flexible and dynamic in the sense that you do have those changes. But in terms of, like, what is occurring now, they're not trying to pick winners, which takes a little bit of that risk away, and you'll still have a similar sort of allocation to growth assets that you currently have, and you'll be paying a a lower cost in investments as well, if that makes sense. Yep. Do you have any questions re regarding that at all, Tasman? Yep. Obviously, feel free to have a look at the report. There's obviously a few there that are quite negative in regards to that and what hap has happened, you know, overseas, which you can sort of potentially understand given that the current market's there as well. We'll look, yeah, we'll look to change out the. And then at the twelve month market gain, we'll obviously review the portfolio, see how it's traveling, see how those other ones that have had that negative return are traveling. But currently, you're still making some growth in your super even with a few of those assets being down. There's a few there that have done really well that have propped up your portfolio, which is still good. Yep. In regards to that as well, we will just do a quick review of, like, a rollover attention review in regards to that and that rollover. And then we can probably actually just include that bet along in that advice document because we'll have to put that in an actual SOA for the rollover just given that to review it to make sure that everything's happy days and roll over that amount over that 10,000 if that's still in your best interest as well. Perfect. But do you have any questions in regards to any of that today there, Tasman? Do you have any other questions in regards to anything or the, you know, questions you may have or anything you sort of wanna address to this annual review? Yeah. Yes. We'll do a review of that one. Obviously, if they decide to turn the feedback on, that'll be in the document as well in regards to the ongoing service agreement. I'll run over that as well with you at the time, and you can make the decision if you're happy or not. If you sort of it did eventually you know, you weren't sort of feel like, you know, you're getting the most out of service for the cost you would be paying as an ongoing client. There is the option to just go back to ANZ as well because you do have those insurances there as well. And Yes. Yeah. So so with that one, just with, like, your preexisting exclusion, but it'd likely be a loading with diabetes and things like that as well. And then given, you know, your age as well, insurances get more expensive as you do get older. And then, yeah, with that, it'd come at the added cost as well that you would be sort of paying versus maintaining that group cover. Just as a sort of, you know, this ends up just informing you that, you know, should you not want to, you know, take on the service for the fee because you haven't been paying the fee just based on the the lower balance. If they decide to let you know, based on going over the 50,000 that they would wanna turn it back on, you do have the option just to return to your handset as well and then just not not be an ongoing client and then just maintain your one account there at ANZ as well. We'll do a review and make sure that your hub twenty four is still performing better than the ANZ to make sure it's still in best interest to be able to maintain the two funds anyway. But I thought I'd just let you know. Yeah. Was comparable. Yeah. Yeah. Yes. Yes. So in terms of that wait. Sorry. Yeah. So as I was saying in terms of well, like, we we're just gonna review it and ensure that in regards to that, it's still, like, in your best interest having the two accounts because as advisers, you know, we've yeah. We've gotta make sure that, you know, having the two is still in your best interest. You're still making money. Obviously, if it's still working out that it is still in your best interest having the two and you're happy with the fee that's been haven't been ongoing client and it cost you pay for the services as well, happy days, we'd love to sort of still have you. But but at the end of the day, we wanna make sure that, you know, you're getting the most out of the service if you're paying for it as well. And if you don't feel like you could get that, we have no issue sort of putting you back in in Ainsett and you being able to to maintain that as well. And if it works out that the cost you would be paying versus the returns that have been getting as well, put you in a worse off position, we might look at sort of putting you back as well just to ensure that your your super savings aren't getting eroded as well by fees, if that makes sense. Yeah. Because we wanna ensure the best outcome for you, Tasmin. If that means you're not with us as a a a client and just, you know, using lies in that industry fund as well. We wanna make sure that, you know, it's that what's best for you is what we want at the end of the day. Not a problem. But we'll do a review of it, make sure, you know, all the figures match up, and then you get to make a decision once we present that statement and advice there as well, Tasman. So you'll have all the information in front of you. Yeah. Not a problem. And as far as your spouse, just double checking there as well. She's not a a client with us at the moment? Oh, she is? Just double check. Sorry. Just because of Okay. Yeah. So because just with the change over there as well, a lot of the links went missing. I was just double checking. Yeah. It just sort of depends, I think, where the the end of reviews lineup, where it is. But I believe, yeah, she's probably due for hers as well. I think we're just a bit behind the eight ball with all those business changes. We've changed client profiles and everything as well in regards to the the CRMs and stuff we use. So it's all over the ship a little bit. We're trying to make a bit more sense of it coming into the the new year and getting through a bit of the backlog. So apologies there, but okay. In the next coming sort of, you know, weeks or months, as I said, there's a bit of a backlog. We are a bit behind. I think, you know, from a memory, they sort of have reached out to a few people that are due for their interviews, but might not have gotten a hold of them. But I know it's sort of in the coming sort of month, they're really gonna sort of push to get people back on the phone. The good news with that in regards to that, Tasman, is because your partner is on board, it would be a 1.1% fee instead of 1.65, which means you're paying less overall as well, which was yeah. Because they do have a coupling fee. And then just curious there as well, Tasman, I know you've been on board for a few years there. Just how have you found the service? Has it been largely good? Have you had a positive experience so far? Just the industry funds? Or Did it see a bit few debates and things like that? Yep. I'm glad to hear that, Tasmin. And then, you know, not that you have to or anything like that, but if you ever did wanna leave a Google review, obviously, we're happy to have any sort of feedback you may have on how to sort of improve and how you have found the service. It sort of helps with us to grow there as well. And in conjunction with that as well, if you ever sort of come across someone that is looking for, you know, something a bit more than just the industry fun, you know, even if it's just sort of your children that you wanna refer on. If someone was to come on board through your referral as well at the moment, they are running a referral program where if someone comes on board through your good faith, a referral, like you said, speaking with other people and actually do wanna, you know, have a conversation about it, they were to come on board as a client. You actually get a $100 gift card, which is yeah. So if you are having one of those heated debates and someone actually does wanna have one of the free consultations, you know, whether it's your children, friends, family, yeah, at the moment, if there's someone to come on board through that referral. So with that, I can sort of send an email if you ever think of anyone as well with that budget planner. If you think of someone that might wanna have a a consultation there just to see, have their superannuation insurance reviewed, sorta have just a discussion about their situation even. We've also got, you know, the mortgage brokers and things like that. A lot of people thinking about houses, so feel free to to send them our way. They don't we don't charge you upfront fee until they go to accept the advice anyway. And if they're just looking for a mortgage broker, we can pass them on to some trusted partners and things like that as well, much like yourself sort of when you're ready. So yeah. But with that, is there anyone you can sort of think of that might benefit from the service at the moment there, Tasmin? Yeah. Yep. Yeah. No. You you are right. Like, people like, in children did grow up a lot quicker back in the day. And, obviously, you know, when you push for more education to the 18, you're not an adult to your 18 type deal, it does sort of push back at least some form of, like, development of in regards to, like, adulting standards at least anyway. So you're not wrong at all. Yep. Yep. Yeah. Pulling up your boots, right, and just doing it yourself. Yep. Yeah. Yeah. Yeah. Yeah. You're not wrong at all. Ben, it doesn't. The cost of living is getting a bit out of hand at the moment. But yeah. Yep. Yeah. Exactly right. And at the end of the day, a conversation never hurts either. Even if he is dead set against it, if he has the conversation, he has the chance to at least have a discussion, maybe expand his knowledge a tiny bit. And if he decides not to come on board, that's his decision at the end of the day. But at least he's got a little bit he can go away with and know a little bit more at the end of the day as well that hasn't cost him anything. Not a problem there, Tasmin. But do you have any other questions for me at the moment while you've got me there? Exactly. Yeah. You know the the number there as well. Feel free to reach out whenever you have a chance to have a conversation. Not a problem at all, Tasman. Well, after this call, I might not get to it straight after this phone call there, but I'll send you off the email just with that information, the budget planner, and you can respond to that if every like, you find someone that does wanna have a conversation. Or if you just let them know when they're calling up by themselves, just make sure to let them know that, you know, Tasman sent them, and then you might get a little bit of something out of it if they do come on board as a client. Not a problem at all. Well, you enjoy the rest of your day, Tasman. Thanks for your time. You can finally rest after your your long day there and kick your feet up. No problem, mate. Well, thanks for your time. You enjoy the rest of your hour. Cheers. 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doesn't yeah. It just cut out there. No. That's that's perfectly fine. Just because it is a new call there, unfortunately, I do have to pass through that security again there, Tasman, with that name, date of birth, and current address.\n\nWe can get stuck back into that. Perfect. Perfect. Thank you. Now I know we're just sort of chatting just about, yeah, assets, liabilities.\n\nIs there anything else that you sort of haven't mentioned or you haven't mentioned that you've got in regards to assets, liabilities, any loans, things like that? Yep. Alright. And then as far as your health, in the last twelve months since you last spoke to us there, you're still currently a nonsmoker? Yeah.\n\nAnd then as far as, like, your medication, you're still taking the medication for for diabetes at the moment? Yep. Is is there any other medications that you're taking at the moment? Yep. And then as far as a will, have you managed around to getting a will sort in the last twelve months?\n\nBecause we can sort of send you some details just in regards to, like, a local solicitor here and their general pricing just to give you an idea. Do you have a read through about a bit more about, like, wills and estates and things like that and what it might be? Yeah. Perfect. And then in regards to goals that you're working towards at the moment there, Tasman, is there I know you wanted to go to a holiday to Thailand, and then you've got your retirement sort of goals in mind of, like, what you're trying to save towards there.\n\nBut is there anything else that you're trying to achieve in the the short term, maybe set part pay down the the car loan there? Yep. Yep. Yep. So in in terms of that one, in terms of, like, purchasing, like, the family member's house or looking at a different sort of house?\n\nLike you were saying, it is sorta like, where is it looking like as a fan like your sorta your partner and then, like, a group of people going for a house or, like, just yourself? In terms of, like, caring for her or trying to what's that, sir? Yep. And does your mother own a house as well that you'd be, like, moving in with, or is it sorta you'd be looking? Yep.\n\nOkay. Yep. So does that mean that you're potentially planning on moving back to New Zealand? Yep. Yep.\n\nSo is that something that you're looking at sort of shortly? Is that something that you wanna sort of see how things plays out in the next sort of six to twelve months? Just, like, making sure you continue to to save and then maybe speaking to a mortgage broker to see what that might look like. Yeah. Because I can just make a note of it sort of in the, you know, the next sort of twelve to to twenty four months there just depending on what happens, you know, family wise.\n\nObviously, in the meantime, the good idea is to obviously try and build up as much savings as possible to, you know, put it go towards a potential house deposit in that time frame. We can send through a budget planner. You don't have to use this by any means, but it is a good tool to be able to just map out your budget and sort of that savings. I know you're sort of putting away a little bit in savings at the moment regularly, but this can help you track it a little bit more, track your bills and expenses, and prepare for, like, a little bit of those larger expenses that come up, you know, like the your like, rego, things like that as well, and just, like, planning playing it out a bit better. Perfect.\n\nI'll get that sent out to you after this phone call there as well. I will also do a quick risk profile there with you, Tasman, just make sure it aligns with what we've currently got you invested in. So just bear with me while I open that back up. It's just closed down on me. Yeah.\n\nPerfect. And just to refresh my memory there, Tasman, have you ever invested in direct shares previously, or is it just like what you've done through Oakview? Investing direct shares like any other investments apart from like your superannuation? Yep. And within regards to like retire, I know you sort of as a rough sort of things, reckon you'll be sort of still working to that age 67, especially if you're sort of looking at property and things like that as well.\n\nIs that sort of still the case working to that time frame? Yep. And then with inflation, obviously, you know, the cost of living isn't getting any cheaper. You probably feel that a little bit. Are you still yeah.\n\nAre you still willing to, like, accept sort of moderate or high amount of risk to try and outpace inflation with your superannuation? I know, you know, being that you came from New Zealand, it's not the the highest balance there. And do you still have a Kiwi saver there, Tasman? Okay. Back then.\n\nYeah. Yep. Yeah. So that's part of, like, obviously, the the review here as well. Just to I believe the last time I checked when the the tenth of the third day was when the last time they called, it was around 19,600 sitting in that one.\n\nSo as a part of that, we can review your your investments in that rollover strategies. You got around 52 in your your hub twenty four there as well. Yep. And so to go back to that question, it has been a did you consider yourself a bit of a moderate risk taker there or a bit higher depending on that with, like, trying to get the most out of your superannuation? Yep.\n\nAnd then sort of with everything going on in the markets at the moment, if your portfolio was to decrease by 20% due to what's happening in the market, you know, the wars and things like that, would you, like, wanna sorta shift your investments to be a bit more defensive? Would you just hold and wait it out for the the longer term given that you don't sort of plan on retiring soon or maybe sort of, you know, think of alternative options? Yeah. Yeah. Sort of that you would just kind of like hold and wait it out.\n\nYou wouldn't sort of go trying to sell anything down to cash and things like that? Yeah. Exactly. And then during events like COVID where Super did take a bit of a dive, did that make you a little bit concerned or cautious about what was going on in your superannuation investments? Yeah.\n\nYep. And with that, obviously, you know, wars create, you know, quite volatile environments. But in terms of, like, long term effects, generally, you know, it is a little bit more short lived than, like, pandemics and, like, terrorist attacks, those sort of things. They do tend to, after, you know, a period of time, once the the dust has settled, as per se, they do sort of recover quite quickly still as well. And that does bring you out still to a growth investor, which is what we've currently got you invested in.\n\nSo fantastic. That still lines up. Now did you get that email there that I sent before, Tasmin, with your your document? You you signed it already? I'll just have a a double check.\n\nYep. That one has been signed. So with that one there, that was a tax file not in and a a lost super search form. We just send that off to the ATO to ensure there's no other accounts out there in your name. The tax file number opt in one was just in regards to where we store your tax file number on file.\n\nWe've just updated that form where it was previously. It would just be redacted off that one. Now in regards to the updates, there were a few business updates. You do have the most up to date financial services card. Now in terms of the fee you do pay there, Tasman, so back in I believe it was let me just double check.\n\nMight have been quite a while ago now. Harry turned off your fee just because of the lower balance to help your superannuation grow. Now as part of reviewing your superannuation investments there as well, given that it has climbed over the the 50,000 mark, they may wanna turn that back on. I'll have a discussion with the the team there. We'll do the research first in regards to that.\n\nWe also will do a review just of your I know you updated your investments in 2024. And since then, you know, in the last twelve months, it did 7.7% in regards to a return, which is still quite a nice return for a growth portfolio with everything that is going on there. But your actively managed fund, Venlo, which makes up for around six or 7% of your portfolio, they just had an underlying investment called corporate traveler, which was done for not reporting correctly. And then as a result of that, they had to reevaluate not only corporate traveler, but the fund itself lost a lot of value and consumer confidence. Now Oku's decision as regards to that was to to move away from Benelon.\n\nNow given the recency of that, we can just opt to do a record of advice and switch that investment there to Australian two hundred, which is an indexed investment. Now you wouldn't have an active portion to your super anymore, so there wouldn't be a managed fund where they're actively trying to outperform the market. It means that it's kind of reduced the cost and then that you just track those indexes. Especially with everything going on, it's a bit hard to pick winners at the moment as well. But in saying that, there is an option to review your portfolio, look at another active replacement, or we can just do that quick change with the Benelon two, the alternative.\n\nYou will make a little bit of a loss to that, but it'll also offset some costs and capital gains moving forward if that makes sense as well, Tasmin. Yep. Do you think you just wanna do the the quick swap to the index alternative that doesn't have that manager risk, or would you like to review your portfolio as a whole and see another active alternative? Just the the more passive approach there. Obviously, once we do it, we'll sort of just, like, email that in regards to that.\n\nThere'll be a document. I can even give you a quick call to run you through it. But, basically, you're in it. The Benelong is an Australian equities fund, so the a 200 is the top 200 companies in Australia. And then what that e exchange traded fund does is it just tracks those top 200 as companies get bigger.\n\nThey go up in that 200. You hold them as an investment. As they drop down there as well, they'll fall out of that 200 there. So it still is a little bit flexible and dynamic in the sense that you do have those changes. But in terms of, like, what is occurring now, they're not trying to pick winners, which takes a little bit of that risk away, and you'll still have a similar sort of allocation to growth assets that you currently have, and you'll be paying a a lower cost in investments as well, if that makes sense.\n\nYep. Do you have any questions re regarding that at all, Tasman? Yep. Obviously, feel free to have a look at the report. There's obviously a few there that are quite negative in regards to that and what hap has happened, you know, overseas, which you can sort of potentially understand given that the current market's there as well.\n\nWe'll look, yeah, we'll look to change out the. And then at the twelve month market gain, we'll obviously review the portfolio, see how it's traveling, see how those other ones that have had that negative return are traveling. But currently, you're still making some growth in your super even with a few of those assets being down. There's a few there that have done really well that have propped up your portfolio, which is still good. Yep.\n\nIn regards to that as well, we will just do a quick review of, like, a rollover attention review in regards to that and that rollover. And then we can probably actually just include that bet along in that advice document because we'll have to put that in an actual SOA for the rollover just given that to review it to make sure that everything's happy days and roll over that amount over that 10,000 if that's still in your best interest as well. Perfect. But do you have any questions in regards to any of that today there, Tasman? Do you have any other questions in regards to anything or the, you know, questions you may have or anything you sort of wanna address to this annual review?\n\nYeah. Yes. We'll do a review of that one. Obviously, if they decide to turn the feedback on, that'll be in the document as well in regards to the ongoing service agreement. I'll run over that as well with you at the time, and you can make the decision if you're happy or not.\n\nIf you sort of it did eventually you know, you weren't sort of feel like, you know, you're getting the most out of service for the cost you would be paying as an ongoing client. There is the option to just go back to ANZ as well because you do have those insurances there as well. And Yes. Yeah. So so with that one, just with, like, your preexisting exclusion, but it'd likely be a loading with diabetes and things like that as well.\n\nAnd then given, you know, your age as well, insurances get more expensive as you do get older. And then, yeah, with that, it'd come at the added cost as well that you would be sort of paying versus maintaining that group cover. Just as a sort of, you know, this ends up just informing you that, you know, should you not want to, you know, take on the service for the fee because you haven't been paying the fee just based on the the lower balance. If they decide to let you know, based on going over the 50,000 that they would wanna turn it back on, you do have the option just to return to your handset as well and then just not not be an ongoing client and then just maintain your one account there at ANZ as well. We'll do a review and make sure that your hub twenty four is still performing better than the ANZ to make sure it's still in best interest to be able to maintain the two funds anyway.\n\nBut I thought I'd just let you know. Yeah. Was comparable. Yeah. Yeah.\n\nYes. Yes. So in terms of that wait. Sorry. Yeah.\n\nSo as I was saying in terms of well, like, we we're just gonna review it and ensure that in regards to that, it's still, like, in your best interest having the two accounts because as advisers, you know, we've yeah. We've gotta make sure that, you know, having the two is still in your best interest. You're still making money. Obviously, if it's still working out that it is still in your best interest having the two and you're happy with the fee that's been haven't been ongoing client and it cost you pay for the services as well, happy days, we'd love to sort of still have you. But but at the end of the day, we wanna make sure that, you know, you're getting the most out of the service if you're paying for it as well.\n\nAnd if you don't feel like you could get that, we have no issue sort of putting you back in in Ainsett and you being able to to maintain that as well. And if it works out that the cost you would be paying versus the returns that have been getting as well, put you in a worse off position, we might look at sort of putting you back as well just to ensure that your your super savings aren't getting eroded as well by fees, if that makes sense. Yeah. Because we wanna ensure the best outcome for you, Tasmin. If that means you're not with us as a a a client and just, you know, using lies in that industry fund as well.\n\nWe wanna make sure that, you know, it's that what's best for you is what we want at the end of the day. Not a problem. But we'll do a review of it, make sure, you know, all the figures match up, and then you get to make a decision once we present that statement and advice there as well, Tasman. So you'll have all the information in front of you. Yeah.\n\nNot a problem. And as far as your spouse, just double checking there as well. She's not a a client with us at the moment? Oh, she is? Just double check.\n\nSorry. Just because of Okay. Yeah. So because just with the change over there as well, a lot of the links went missing. I was just double checking.\n\nYeah. It just sort of depends, I think, where the the end of reviews lineup, where it is. But I believe, yeah, she's probably due for hers as well. I think we're just a bit behind the eight ball with all those business changes. We've changed client profiles and everything as well in regards to the the CRMs and stuff we use.\n\nSo it's all over the ship a little bit. We're trying to make a bit more sense of it coming into the the new year and getting through a bit of the backlog. So apologies there, but okay. In the next coming sort of, you know, weeks or months, as I said, there's a bit of a backlog. We are a bit behind.\n\nI think, you know, from a memory, they sort of have reached out to a few people that are due for their interviews, but might not have gotten a hold of them. But I know it's sort of in the coming sort of month, they're really gonna sort of push to get people back on the phone. The good news with that in regards to that, Tasman, is because your partner is on board, it would be a 1.1% fee instead of 1.65, which means you're paying less overall as well, which was yeah. Because they do have a coupling fee. And then just curious there as well, Tasman, I know you've been on board for a few years there.\n\nJust how have you found the service? Has it been largely good? Have you had a positive experience so far? Just the industry funds? Or Did it see a bit few debates and things like that?\n\nYep. I'm glad to hear that, Tasmin. And then, you know, not that you have to or anything like that, but if you ever did wanna leave a Google review, obviously, we're happy to have any sort of feedback you may have on how to sort of improve and how you have found the service. It sort of helps with us to grow there as well. And in conjunction with that as well, if you ever sort of come across someone that is looking for, you know, something a bit more than just the industry fun, you know, even if it's just sort of your children that you wanna refer on.\n\nIf someone was to come on board through your referral as well at the moment, they are running a referral program where if someone comes on board through your good faith, a referral, like you said, speaking with other people and actually do wanna, you know, have a conversation about it, they were to come on board as a client. You actually get a $100 gift card, which is yeah. So if you are having one of those heated debates and someone actually does wanna have one of the free consultations, you know, whether it's your children, friends, family, yeah, at the moment, if there's someone to come on board through that referral. So with that, I can sort of send an email if you ever think of anyone as well with that budget planner. If you think of someone that might wanna have a a consultation there just to see, have their superannuation insurance reviewed, sorta have just a discussion about their situation even.\n\nWe've also got, you know, the mortgage brokers and things like that. A lot of people thinking about houses, so feel free to to send them our way. They don't we don't charge you upfront fee until they go to accept the advice anyway. And if they're just looking for a mortgage broker, we can pass them on to some trusted partners and things like that as well, much like yourself sort of when you're ready. So yeah.\n\nBut with that, is there anyone you can sort of think of that might benefit from the service at the moment there, Tasmin? Yeah. Yep. Yeah. No.\n\nYou you are right. Like, people like, in children did grow up a lot quicker back in the day. And, obviously, you know, when you push for more education to the 18, you're not an adult to your 18 type deal, it does sort of push back at least some form of, like, development of in regards to, like, adulting standards at least anyway. So you're not wrong at all. Yep.\n\nYep. Yeah. Pulling up your boots, right, and just doing it yourself. Yep. Yeah.\n\nYeah. Yeah. Yeah. You're not wrong at all. Ben, it doesn't.\n\nThe cost of living is getting a bit out of hand at the moment. But yeah. Yep. Yeah. Exactly right.\n\nAnd at the end of the day, a conversation never hurts either. Even if he is dead set against it, if he has the conversation, he has the chance to at least have a discussion, maybe expand his knowledge a tiny bit. And if he decides not to come on board, that's his decision at the end of the day. But at least he's got a little bit he can go away with and know a little bit more at the end of the day as well that hasn't cost him anything. Not a problem there, Tasmin.\n\nBut do you have any other questions for me at the moment while you've got me there? Exactly. Yeah. You know the the number there as well. Feel free to reach out whenever you have a chance to have a conversation.\n\nNot a problem at all, Tasman. Well, after this call, I might not get to it straight after this phone call there, but I'll send you off the email just with that information, the budget planner, and you can respond to that if every like, you find someone that does wanna have a conversation. Or if you just let them know when they're calling up by themselves, just make sure to let them know that, you know, Tasman sent them, and then you might get a little bit of something out of it if they do come on board as a client. Not a problem at all. Well, you enjoy the rest of your day, Tasman.\n\nThanks for your time. You can finally rest after your your long day there and kick your feet up. No problem, mate. Well, thanks for your time. You enjoy the rest of your hour.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"It doesn't yeah.","start":4.64,"end":5.3599997,"sentiment":"neutral","sentiment_score":-0.25472891330718994},{"text":"It just cut out there.","start":5.3599997,"end":6.66,"sentiment":"negative","sentiment_score":-0.35529354512691497},{"text":"No.","start":12.895,"end":13.055,"sentiment":"neutral","sentiment_score":-0.15410016477108002},{"text":"That's that's perfectly fine.","start":13.055,"end":14.495001,"sentiment":"neutral","sentiment_score":0.16562386478472035},{"text":"Just because it is a new call there, unfortunately, I do have to pass through that security again there, Tasman, with that name, date of birth, and current address.","start":14.495001,"end":19.455,"sentiment":"neutral","sentiment_score":-0.1332133986569684}],"sentiment":"neutral","sentiment_score":-0.1403678031485816,"num_words":42,"start":4.64,"end":19.455},{"sentences":[{"text":"We can get stuck back into that.","start":19.455,"end":20.915,"sentiment":"neutral","sentiment_score":-0.06758054771593638},{"text":"Perfect.","start":31.39,"end":31.87,"sentiment":"positive","sentiment_score":0.5575572848320007},{"text":"Perfect.","start":31.87,"end":32.35,"sentiment":"positive","sentiment_score":0.6627767086029053},{"text":"Thank you.","start":32.35,"end":33.17,"sentiment":"positive","sentiment_score":0.6684769690036774},{"text":"Now I know we're just sort of chatting just about, yeah, assets, liabilities.","start":34.83,"end":39.964996,"sentiment":"neutral","sentiment_score":0.05542500761265938}],"sentiment":"neutral","sentiment_score":0.11686454984980325,"num_words":24,"start":19.455,"end":39.964996},{"sentences":[{"text":"Is there anything else that you sort of haven't mentioned or you haven't mentioned that you've got in regards to assets, liabilities, any loans, things like that?","start":39.964996,"end":46.704998,"sentiment":"neutral","sentiment_score":-0.003052732941729051},{"text":"Yep.","start":53.420002,"end":53.920002,"sentiment":"neutral","sentiment_score":0.060908280313014984},{"text":"Alright.","start":53.980003,"end":54.480003,"sentiment":"neutral","sentiment_score":0.09059590101242064},{"text":"And then as far as your health, in the last twelve months since you last spoke to us there, you're still currently a nonsmoker?","start":55.74,"end":62.305,"sentiment":"neutral","sentiment_score":0.014822490435714522},{"text":"Yeah.","start":69.244995,"end":69.645,"sentiment":"neutral","sentiment_score":0.017654886469244957}],"sentiment":"neutral","sentiment_score":0.00819398238565083,"num_words":54,"start":39.964996,"end":69.645},{"sentences":[{"text":"And then as far as, like, your medication, you're still taking the medication for for diabetes at the moment?","start":69.645,"end":74.91,"sentiment":"neutral","sentiment_score":-0.00949861834708013},{"text":"Yep.","start":76.350006,"end":76.75,"sentiment":"neutral","sentiment_score":0.09834980964660645},{"text":"Is is there any other medications that you're taking at the moment?","start":76.75,"end":79.65,"sentiment":"neutral","sentiment_score":0.007849006447941065},{"text":"Yep.","start":86.990005,"end":87.465,"sentiment":"neutral","sentiment_score":0.030497487634420395},{"text":"And then as far as a will, have you managed around to getting a will sort in the last twelve months?","start":88.98499,"end":94.765,"sentiment":"neutral","sentiment_score":0.009125937219886552}],"sentiment":"neutral","sentiment_score":0.004337153845915088,"num_words":54,"start":69.645,"end":94.765},{"sentences":[{"text":"Because we can sort of send you some details just in regards to, like, a local solicitor here and their general pricing just to give you an idea.","start":97.784996,"end":104.06,"sentiment":"neutral","sentiment_score":0.02324863463374121},{"text":"Do you have a read through about a bit more about, like, wills and estates and things like that and what it might be?","start":104.06,"end":108.7,"sentiment":"neutral","sentiment_score":0.014011572968835631},{"text":"Yeah.","start":108.7,"end":109.2,"sentiment":"neutral","sentiment_score":0.23639866709709167},{"text":"Perfect.","start":111.979996,"end":112.479996,"sentiment":"neutral","sentiment_score":-0.03260783851146698},{"text":"And then in regards to goals that you're working towards at the moment there, Tasman, is there I know you wanted to go to a holiday to Thailand, and then you've got your retirement sort of goals in mind of, like, what you're trying to save towards there.","start":115.454994,"end":130.0,"sentiment":"neutral","sentiment_score":0.23734739609062672}],"sentiment":"neutral","sentiment_score":0.1233696604111031,"num_words":102,"start":97.784996,"end":130.0},{"sentences":[{"text":"But is there anything else that you're trying to achieve in the the short term, maybe set part pay down the the car loan there?","start":130.22,"end":137.68,"sentiment":"neutral","sentiment_score":0.24357833206653595},{"text":"Yep.","start":152.17001,"end":152.67001,"sentiment":"neutral","sentiment_score":0.07773301005363464},{"text":"Yep.","start":173.225,"end":173.725,"sentiment":"neutral","sentiment_score":0.04927990585565567},{"text":"Yep.","start":173.785,"end":174.15,"sentiment":"neutral","sentiment_score":0.04843845218420029},{"text":"So in in terms of that one, in terms of, like, purchasing, like, the family member's house or looking at a different sort of house?","start":174.31,"end":181.04999,"sentiment":"neutral","sentiment_score":0.013251216635107994}],"sentiment":"neutral","sentiment_score":0.12445641671008659,"num_words":53,"start":130.22,"end":181.04999},{"sentences":[{"text":"Like you were saying, it is sorta like, where is it looking like as a fan like your sorta your partner and then, like, a group of people going for a house or, like, just yourself?","start":186.82501,"end":196.925,"sentiment":"neutral","sentiment_score":0.033711247973971896},{"text":"In terms of, like, caring for her or trying to what's that, sir?","start":210.52,"end":214.395,"sentiment":"neutral","sentiment_score":-0.03970685228705406},{"text":"Yep.","start":227.85,"end":228.25,"sentiment":"neutral","sentiment_score":0.04294685646891594},{"text":"And does your mother own a house as well that you'd be, like, moving in with, or is it sorta you'd be looking?","start":228.25,"end":235.23001,"sentiment":"neutral","sentiment_score":0.0021946716486759806},{"text":"Yep.","start":247.945,"end":248.345,"sentiment":"neutral","sentiment_score":0.019181616604328156}],"sentiment":"neutral","sentiment_score":0.01094624011248753,"num_words":74,"start":186.82501,"end":248.345},{"sentences":[{"text":"Okay.","start":248.345,"end":248.845,"sentiment":"neutral","sentiment_score":0.0002671852707862854},{"text":"Yep.","start":248.905,"end":249.405,"sentiment":"neutral","sentiment_score":-0.03791677206754685},{"text":"So does that mean that you're potentially planning on moving back to New Zealand?","start":254.44,"end":258.46,"sentiment":"neutral","sentiment_score":-0.0034735212102532387},{"text":"Yep.","start":275.11002,"end":275.61002,"sentiment":"neutral","sentiment_score":0.006794518791139126},{"text":"Yep.","start":284.31,"end":284.81,"sentiment":"neutral","sentiment_score":0.018461771309375763}],"sentiment":"neutral","sentiment_score":-0.0033901440910995007,"num_words":18,"start":248.345,"end":284.81},{"sentences":[{"text":"So is that something that you're looking at sort of shortly?","start":289.925,"end":293.685,"sentiment":"neutral","sentiment_score":0.042109138924967156},{"text":"Is that something that you wanna sort of see how things plays out in the next sort of six to twelve months?","start":293.685,"end":297.94498,"sentiment":"neutral","sentiment_score":-0.0077481542459943075},{"text":"Just, like, making sure you continue to to save and then maybe speaking to a mortgage broker to see what that might look like.","start":298.485,"end":304.34,"sentiment":"neutral","sentiment_score":0.07970960147213191},{"text":"Yeah.","start":306.47998,"end":306.8,"sentiment":"neutral","sentiment_score":0.07678458094596863},{"text":"Because I can just make a note of it sort of in the, you know, the next sort of twelve to to twenty four months there just depending on what happens, you know, family wise.","start":306.8,"end":315.06,"sentiment":"neutral","sentiment_score":0.06292457271899496}],"sentiment":"neutral","sentiment_score":0.04822490533553465,"num_words":93,"start":289.925,"end":315.06},{"sentences":[{"text":"Obviously, in the meantime, the good idea is to obviously try and build up as much savings as possible to, you know, put it go towards a potential house deposit in that time frame.","start":316.155,"end":325.215,"sentiment":"neutral","sentiment_score":0.19992299027302685},{"text":"We can send through a budget planner.","start":326.715,"end":328.975,"sentiment":"positive","sentiment_score":0.4051138162612915},{"text":"You don't have to use this by any means, but it is a good tool to be able to just map out your budget and sort of that savings.","start":329.73,"end":335.81,"sentiment":"positive","sentiment_score":0.39375730218558475},{"text":"I know you're sort of putting away a little bit in savings at the moment regularly, but this can help you track it a little bit more, track your bills and expenses, and prepare for, like, a little bit of those larger expenses that come up, you know, like the your like, rego, things like that as well, and just, like, planning playing it out a bit better.","start":335.81,"end":353.27502,"sentiment":"neutral","sentiment_score":0.19186100758173885},{"text":"Perfect.","start":355.655,"end":356.155,"sentiment":"positive","sentiment_score":0.5600481033325195}],"sentiment":"neutral","sentiment_score":0.2493434299667962,"num_words":139,"start":316.155,"end":356.155},{"sentences":[{"text":"I'll get that sent out to you after this phone call there as well.","start":356.61502,"end":359.55,"sentiment":"positive","sentiment_score":0.3888093275683267},{"text":"I will also do a quick risk profile there with you, Tasman, just make sure it aligns with what we've currently got you invested in.","start":360.50998,"end":367.31,"sentiment":"neutral","sentiment_score":0.29610241055488584},{"text":"So just bear with me while I open that back up.","start":367.31,"end":370.69,"sentiment":"neutral","sentiment_score":0.18010057847608218},{"text":"It's just closed down on me.","start":370.83,"end":372.61,"sentiment":"neutral","sentiment_score":-0.19558287660280863},{"text":"Yeah.","start":378.20502,"end":378.605,"sentiment":"positive","sentiment_score":0.4164687991142273}],"sentiment":"neutral","sentiment_score":0.24684155706250877,"num_words":57,"start":356.61502,"end":378.605},{"sentences":[{"text":"Perfect.","start":378.605,"end":379.105,"sentiment":"positive","sentiment_score":0.6536139249801636},{"text":"And just to refresh my memory there, Tasman, have you ever invested in direct shares previously, or is it just like what you've done through Oakview?","start":379.885,"end":387.90503,"sentiment":"neutral","sentiment_score":0.0988225624538385},{"text":"Investing direct shares like any other investments apart from like your superannuation?","start":391.22,"end":394.84,"sentiment":"neutral","sentiment_score":0.07855378681172927},{"text":"Yep.","start":397.94,"end":398.44,"sentiment":"neutral","sentiment_score":0.09962143748998642},{"text":"And within regards to like retire, I know you sort of as a rough sort of things, reckon you'll be sort of still working to that age 67, especially if you're sort of looking at property and things like that as well.","start":398.5,"end":411.95502,"sentiment":"neutral","sentiment_score":0.044986430644279436}],"sentiment":"neutral","sentiment_score":0.07505728676915169,"num_words":82,"start":378.605,"end":411.95502},{"sentences":[{"text":"Is that sort of still the case working to that time frame?","start":412.095,"end":415.075,"sentiment":"neutral","sentiment_score":0.05726098641753197},{"text":"Yep.","start":418.35,"end":418.85,"sentiment":"neutral","sentiment_score":0.12098511308431624},{"text":"And then with inflation, obviously, you know, the cost of living isn't getting any cheaper.","start":419.31,"end":422.50998,"sentiment":"neutral","sentiment_score":-0.03305218691627185},{"text":"You probably feel that a little bit.","start":422.50998,"end":424.11,"sentiment":"neutral","sentiment_score":-0.07469624068055834},{"text":"Are you still yeah.","start":424.11,"end":426.11,"sentiment":"neutral","sentiment_score":0.043563151732087135}],"sentiment":"neutral","sentiment_score":-0.0009304341406394274,"num_words":39,"start":412.095,"end":426.11},{"sentences":[{"text":"Are you still willing to, like, accept sort of moderate or high amount of risk to try and outpace inflation with your superannuation?","start":426.11,"end":431.965,"sentiment":"neutral","sentiment_score":0.0024274488830048103},{"text":"I know, you know, being that you came from New Zealand, it's not the the highest balance there.","start":432.105,"end":437.14502,"sentiment":"neutral","sentiment_score":-0.13638628895084062},{"text":"And do you still have a Kiwi saver there, Tasman?","start":437.14502,"end":440.045,"sentiment":"neutral","sentiment_score":-0.022912973910570143},{"text":"Okay.","start":445.31998,"end":445.81998,"sentiment":"neutral","sentiment_score":-0.007218966260552406},{"text":"Back then.","start":449.56,"end":450.28,"sentiment":"neutral","sentiment_score":-0.019551158882677555}],"sentiment":"neutral","sentiment_score":-0.04952912777662277,"num_words":54,"start":426.11,"end":450.28},{"sentences":[{"text":"Yeah.","start":450.28,"end":450.78,"sentiment":"neutral","sentiment_score":-0.012462686747312546},{"text":"Yep.","start":458.61502,"end":459.11502,"sentiment":"neutral","sentiment_score":0.01846020296216011},{"text":"Yeah.","start":469.66998,"end":469.83,"sentiment":"neutral","sentiment_score":0.08685095608234406},{"text":"So that's part of, like, obviously, the the review here as well.","start":469.83,"end":472.87,"sentiment":"neutral","sentiment_score":0.12750924564898014},{"text":"Just to I believe the last time I checked when the the tenth of the third day was when the last time they called, it was around 19,600 sitting in that one.","start":472.87,"end":483.505,"sentiment":"neutral","sentiment_score":0.040438117808662355}],"sentiment":"neutral","sentiment_score":0.06206338702047125,"num_words":47,"start":450.28,"end":483.505},{"sentences":[{"text":"So as a part of that, we can review your your investments in that rollover strategies.","start":483.885,"end":488.525,"sentiment":"neutral","sentiment_score":0.15325166517868638},{"text":"You got around 52 in your your hub twenty four there as well.","start":488.525,"end":492.465,"sentiment":"neutral","sentiment_score":0.0987932699231001},{"text":"Yep.","start":494.46002,"end":494.96002,"sentiment":"neutral","sentiment_score":-0.03561661019921303},{"text":"And so to go back to that question, it has been a did you consider yourself a bit of a moderate risk taker there or a bit higher depending on that with, like, trying to get the most out of your superannuation?","start":496.30002,"end":504.96002,"sentiment":"neutral","sentiment_score":0.021758300207910083},{"text":"Yep.","start":518.65,"end":519.15,"sentiment":"neutral","sentiment_score":0.005653858184814453}],"sentiment":"neutral","sentiment_score":0.06329075354215218,"num_words":73,"start":483.885,"end":519.15},{"sentences":[{"text":"And then sort of with everything going on in the markets at the moment, if your portfolio was to decrease by 20% due to what's happening in the market, you know, the wars and things like that, would you, like, wanna sorta shift your investments to be a bit more defensive?","start":520.09,"end":532.28503,"sentiment":"neutral","sentiment_score":-0.07101354196521581},{"text":"Would you just hold and wait it out for the the longer term given that you don't sort of plan on retiring soon or maybe sort of, you know, think of alternative options?","start":532.28503,"end":540.945,"sentiment":"neutral","sentiment_score":-0.06208021814624468},{"text":"Yeah.","start":561.995,"end":562.495,"sentiment":"neutral","sentiment_score":-0.013154236599802973},{"text":"Yeah.","start":566.315,"end":566.63495,"sentiment":"neutral","sentiment_score":0.017222104594111443},{"text":"Sort of that you would just kind of like hold and wait it out.","start":566.63495,"end":569.62,"sentiment":"neutral","sentiment_score":-0.01758620941213199}],"sentiment":"neutral","sentiment_score":-0.05912476902827621,"num_words":100,"start":520.09,"end":569.62},{"sentences":[{"text":"You wouldn't sort of go trying to sell anything down to cash and things like that?","start":569.62,"end":573.48,"sentiment":"neutral","sentiment_score":-0.05587246536742896},{"text":"Yeah.","start":579.315,"end":579.815,"sentiment":"neutral","sentiment_score":-0.03729028254747391},{"text":"Exactly.","start":580.515,"end":581.015,"sentiment":"neutral","sentiment_score":-0.009423303417861462},{"text":"And then during events like COVID where Super did take a bit of a dive, did that make you a little bit concerned or cautious about what was going on in your superannuation investments?","start":591.155,"end":600.56,"sentiment":"neutral","sentiment_score":-0.16529013490413919},{"text":"Yeah.","start":620.97003,"end":621.47003,"sentiment":"neutral","sentiment_score":-0.08097286522388458}],"sentiment":"neutral","sentiment_score":-0.12531151856243047,"num_words":53,"start":569.62,"end":621.47003},{"sentences":[{"text":"Yep.","start":624.97003,"end":625.47003,"sentiment":"neutral","sentiment_score":-0.0029717287980020046},{"text":"And with that, obviously, you know, wars create, you know, quite volatile environments.","start":625.77,"end":630.51,"sentiment":"neutral","sentiment_score":-0.1959637523843692},{"text":"But in terms of, like, long term effects, generally, you know, it is a little bit more short lived than, like, pandemics and, like, terrorist attacks, those sort of things.","start":630.57,"end":639.195,"sentiment":"neutral","sentiment_score":-0.1790760355691115},{"text":"They do tend to, after, you know, a period of time, once the the dust has settled, as per se, they do sort of recover quite quickly still as well.","start":639.195,"end":648.655,"sentiment":"neutral","sentiment_score":-0.03480261725684007},{"text":"And that does bring you out still to a growth investor, which is what we've currently got you invested in.","start":648.77,"end":652.85,"sentiment":"neutral","sentiment_score":0.25100972279906275}],"sentiment":"neutral","sentiment_score":-0.041985804665873344,"num_words":94,"start":624.97003,"end":652.85},{"sentences":[{"text":"So fantastic.","start":652.85,"end":653.59,"sentiment":"positive","sentiment_score":0.7815289795398712},{"text":"That still lines up.","start":655.33,"end":656.61,"sentiment":"positive","sentiment_score":0.38293155282735825},{"text":"Now did you get that email there that I sent before, Tasmin, with your your document?","start":656.61,"end":661.11,"sentiment":"neutral","sentiment_score":0.049306358210742474},{"text":"You you signed it already?","start":668.045,"end":669.425,"sentiment":"neutral","sentiment_score":0.020396725460886955},{"text":"I'll just have a a double check.","start":673.565,"end":675.505,"sentiment":"neutral","sentiment_score":0.029772468709519932}],"sentiment":"neutral","sentiment_score":0.12335520029506263,"num_words":34,"start":652.85,"end":675.505},{"sentences":[{"text":"Yep.","start":683.01,"end":683.25,"sentiment":"neutral","sentiment_score":0.0939326509833336},{"text":"That one has been signed.","start":683.25,"end":684.21,"sentiment":"neutral","sentiment_score":0.07627722173929215},{"text":"So with that one there, that was a tax file not in and a a lost super search form.","start":684.21,"end":688.63,"sentiment":"neutral","sentiment_score":0.04241831973195076},{"text":"We just send that off to the ATO to ensure there's no other accounts out there in your name.","start":688.695,"end":693.575,"sentiment":"neutral","sentiment_score":0.05714745505859977},{"text":"The tax file number opt in one was just in regards to where we store your tax file number on file.","start":693.575,"end":698.055,"sentiment":"neutral","sentiment_score":0.03609794910464968}],"sentiment":"neutral","sentiment_score":0.04807885249073689,"num_words":65,"start":683.01,"end":698.055},{"sentences":[{"text":"We've just updated that form where it was previously.","start":698.055,"end":700.855,"sentiment":"neutral","sentiment_score":0.0546578930483924},{"text":"It would just be redacted off that one.","start":700.855,"end":704.05,"sentiment":"neutral","sentiment_score":0.005176716251298785},{"text":"Now in regards to the updates, there were a few business updates.","start":704.26996,"end":708.19,"sentiment":"neutral","sentiment_score":0.06189184822142124},{"text":"You do have the most up to date financial services card.","start":708.19,"end":710.85,"sentiment":"neutral","sentiment_score":0.15846257724545218},{"text":"Now in terms of the fee you do pay there, Tasman, so back in I believe it was let me just double check.","start":710.91,"end":721.505,"sentiment":"neutral","sentiment_score":0.05503458011409511}],"sentiment":"neutral","sentiment_score":0.06801461330836728,"num_words":63,"start":698.055,"end":721.505},{"sentences":[{"text":"Might have been quite a while ago now.","start":723.645,"end":725.725,"sentiment":"neutral","sentiment_score":-0.017817647429183125},{"text":"Harry turned off your fee just because of the lower balance to help your superannuation grow.","start":725.725,"end":730.225,"sentiment":"neutral","sentiment_score":0.005027337931096555},{"text":"Now as part of reviewing your superannuation investments there as well, given that it has climbed over the the 50,000 mark, they may wanna turn that back on.","start":731.38995,"end":742.26996,"sentiment":"neutral","sentiment_score":0.07568740512111358},{"text":"I'll have a discussion with the the team there.","start":742.26996,"end":744.35,"sentiment":"neutral","sentiment_score":0.10224635154008865},{"text":"We'll do the research first in regards to that.","start":744.35,"end":747.605,"sentiment":"neutral","sentiment_score":0.08245572613345252}],"sentiment":"neutral","sentiment_score":0.053135175284530434,"num_words":70,"start":723.645,"end":747.605},{"sentences":[{"text":"We also will do a review just of your I know you updated your investments in 2024.","start":747.605,"end":752.56494,"sentiment":"neutral","sentiment_score":0.07169540990691851},{"text":"And since then, you know, in the last twelve months, it did 7.7% in regards to a return, which is still quite a nice return for a growth portfolio with everything that is going on there.","start":752.56494,"end":763.56995,"sentiment":"positive","sentiment_score":0.548146048353778},{"text":"But your actively managed fund, Venlo, which makes up for around six or 7% of your portfolio, they just had an underlying investment called corporate traveler, which was done for not reporting correctly.","start":764.02997,"end":775.095,"sentiment":"neutral","sentiment_score":-0.07963767433256815},{"text":"And then as a result of that, they had to reevaluate not only corporate traveler, but the fund itself lost a lot of value and consumer confidence.","start":775.15497,"end":781.735,"sentiment":"negative","sentiment_score":-0.3721819911841993},{"text":"Now Oku's decision as regards to that was to to move away from Benelon.","start":782.195,"end":787.75,"sentiment":"neutral","sentiment_score":-0.22573444034372056}],"sentiment":"neutral","sentiment_score":0.040274334877113425,"num_words":127,"start":747.605,"end":787.75},{"sentences":[{"text":"Now given the recency of that, we can just opt to do a record of advice and switch that investment there to Australian two hundred, which is an indexed investment.","start":788.21,"end":799.95496,"sentiment":"neutral","sentiment_score":0.056391645595431326},{"text":"Now you wouldn't have an active portion to your super anymore, so there wouldn't be a managed fund where they're actively trying to outperform the market.","start":800.01495,"end":807.055,"sentiment":"neutral","sentiment_score":0.1124097085916079},{"text":"It means that it's kind of reduced the cost and then that you just track those indexes.","start":807.055,"end":811.88,"sentiment":"neutral","sentiment_score":0.2871984541416168},{"text":"Especially with everything going on, it's a bit hard to pick winners at the moment as well.","start":811.88,"end":815.33997,"sentiment":"neutral","sentiment_score":-0.22192343806519227},{"text":"But in saying that, there is an option to review your portfolio, look at another active replacement, or we can just do that quick change with the Benelon two, the alternative.","start":815.72,"end":825.685,"sentiment":"neutral","sentiment_score":0.04344070612663223}],"sentiment":"neutral","sentiment_score":0.058435859127847614,"num_words":121,"start":788.21,"end":825.685},{"sentences":[{"text":"You will make a little bit of a loss to that, but it'll also offset some costs and capital gains moving forward if that makes sense as well, Tasmin.","start":825.685,"end":833.225,"sentiment":"neutral","sentiment_score":0.1683929269683772},{"text":"Yep.","start":835.685,"end":836.085,"sentiment":"neutral","sentiment_score":0.1528172343969345},{"text":"Do you think you just wanna do the the quick swap to the index alternative that doesn't have that manager risk, or would you like to review your portfolio as a whole and see another active alternative?","start":836.085,"end":848.41,"sentiment":"neutral","sentiment_score":0.0950220450758934},{"text":"Just the the more passive approach there.","start":851.765,"end":854.185,"sentiment":"neutral","sentiment_score":-0.03159535995551518},{"text":"Obviously, once we do it, we'll sort of just, like, email that in regards to that.","start":854.245,"end":858.165,"sentiment":"neutral","sentiment_score":0.07424341584555805}],"sentiment":"neutral","sentiment_score":0.10576394353475836,"num_words":90,"start":825.685,"end":858.165},{"sentences":[{"text":"There'll be a document.","start":858.165,"end":858.885,"sentiment":"neutral","sentiment_score":0.10076635889708994},{"text":"I can even give you a quick call to run you through it.","start":858.885,"end":861.14496,"sentiment":"neutral","sentiment_score":0.11600320900862034},{"text":"But, basically, you're in it.","start":861.52496,"end":863.3,"sentiment":"neutral","sentiment_score":0.030286917090415956},{"text":"The Benelong is an Australian equities fund, so the a 200 is the top 200 companies in Australia.","start":863.3,"end":868.68,"sentiment":"neutral","sentiment_score":0.10010777379567218},{"text":"And then what that e exchange traded fund does is it just tracks those top 200 as companies get bigger.","start":868.98,"end":875.08,"sentiment":"neutral","sentiment_score":0.0883170796558261}],"sentiment":"neutral","sentiment_score":0.09384705432651876,"num_words":60,"start":858.165,"end":875.08},{"sentences":[{"text":"They go up in that 200.","start":875.16504,"end":876.28503,"sentiment":"neutral","sentiment_score":0.09818877031405766},{"text":"You hold them as an investment.","start":876.28503,"end":877.48505,"sentiment":"neutral","sentiment_score":0.07546817759672801},{"text":"As they drop down there as well, they'll fall out of that 200 there.","start":877.48505,"end":881.565,"sentiment":"neutral","sentiment_score":0.02529760476733957},{"text":"So it still is a little bit flexible and dynamic in the sense that you do have those changes.","start":881.565,"end":886.445,"sentiment":"neutral","sentiment_score":0.15187696406715795},{"text":"But in terms of, like, what is occurring now, they're not trying to pick winners, which takes a little bit of that risk away, and you'll still have a similar sort of allocation to growth assets that you currently have, and you'll be paying a a lower cost in investments as well, if that makes sense.","start":886.445,"end":901.76,"sentiment":"neutral","sentiment_score":0.23882352174924953}],"sentiment":"neutral","sentiment_score":0.17481076920239053,"num_words":101,"start":875.16504,"end":901.76},{"sentences":[{"text":"Yep.","start":903.785,"end":904.105,"sentiment":"neutral","sentiment_score":0.11218905448913574},{"text":"Do you have any questions re regarding that at all, Tasman?","start":904.105,"end":906.605,"sentiment":"neutral","sentiment_score":0.06073976985432885},{"text":"Yep.","start":909.625,"end":910.125,"sentiment":"neutral","sentiment_score":0.07190622389316559},{"text":"Obviously, feel free to have a look at the report.","start":910.345,"end":912.44495,"sentiment":"neutral","sentiment_score":-0.01091611310839653},{"text":"There's obviously a few there that are quite negative in regards to that and what hap has happened, you know, overseas, which you can sort of potentially understand given that the current market's there as well.","start":912.82495,"end":923.93,"sentiment":"neutral","sentiment_score":-0.23012274007002512}],"sentiment":"neutral","sentiment_score":-0.1278194411326263,"num_words":59,"start":903.785,"end":923.93},{"sentences":[{"text":"We'll look, yeah, we'll look to change out the.","start":924.70996,"end":928.17,"sentiment":"neutral","sentiment_score":-0.11214001890685824},{"text":"And then at the twelve month market gain, we'll obviously review the portfolio, see how it's traveling, see how those other ones that have had that negative return are traveling.","start":928.63,"end":936.545,"sentiment":"neutral","sentiment_score":-0.12324185979863007},{"text":"But currently, you're still making some growth in your super even with a few of those assets being down.","start":937.005,"end":942.285,"sentiment":"neutral","sentiment_score":-0.06878270699005377},{"text":"There's a few there that have done really well that have propped up your portfolio, which is still good.","start":942.285,"end":946.5,"sentiment":"neutral","sentiment_score":0.1437392438712873},{"text":"Yep.","start":949.62,"end":950.12,"sentiment":"neutral","sentiment_score":0.1947944015264511}],"sentiment":"neutral","sentiment_score":-0.03958394053654793,"num_words":78,"start":924.70996,"end":950.12},{"sentences":[{"text":"In regards to that as well, we will just do a quick review of, like, a rollover attention review in regards to that and that rollover.","start":951.22,"end":957.8,"sentiment":"neutral","sentiment_score":0.16697453191647163},{"text":"And then we can probably actually just include that bet along in that advice document because we'll have to put that in an actual SOA for the rollover just given that to review it to make sure that everything's happy days and roll over that amount over that 10,000 if that's still in your best interest as well.","start":958.975,"end":973.77,"sentiment":"neutral","sentiment_score":0.24805184723488216},{"text":"Perfect.","start":976.09,"end":976.59,"sentiment":"positive","sentiment_score":0.40380433201789856},{"text":"But do you have any questions in regards to any of that today there, Tasman?","start":976.73004,"end":979.87,"sentiment":"neutral","sentiment_score":0.11327603658040365},{"text":"Do you have any other questions in regards to anything or the, you know, questions you may have or anything you sort of wanna address to this annual review?","start":983.93,"end":991.365,"sentiment":"neutral","sentiment_score":0.05629558071237186}],"sentiment":"neutral","sentiment_score":0.1741384627196447,"num_words":129,"start":951.22,"end":991.365},{"sentences":[{"text":"Yeah.","start":1000.0,"end":1000.5,"sentiment":"neutral","sentiment_score":0.03853277117013931},{"text":"Yes.","start":1001.76,"end":1002.0,"sentiment":"neutral","sentiment_score":0.271321177482605},{"text":"We'll do a review of that one.","start":1002.0,"end":1003.60004,"sentiment":"neutral","sentiment_score":0.3158033617905208},{"text":"Obviously, if they decide to turn the feedback on, that'll be in the document as well in regards to the ongoing service agreement.","start":1003.60004,"end":1008.96,"sentiment":"neutral","sentiment_score":0.26299250708973926},{"text":"I'll run over that as well with you at the time, and you can make the decision if you're happy or not.","start":1008.96,"end":1013.46,"sentiment":"positive","sentiment_score":0.3478294878520749}],"sentiment":"neutral","sentiment_score":0.30039914587029704,"num_words":54,"start":1000.0,"end":1013.46},{"sentences":[{"text":"If you sort of it did eventually you know, you weren't sort of feel like, you know, you're getting the most out of service for the cost you would be paying as an ongoing client.","start":1013.985,"end":1020.945,"sentiment":"neutral","sentiment_score":0.25363275302307947},{"text":"There is the option to just go back to ANZ as well because you do have those insurances there as well.","start":1020.945,"end":1026.84,"sentiment":"neutral","sentiment_score":0.22757874251831145},{"text":"And Yes.","start":1026.84,"end":1039.995,"sentiment":"neutral","sentiment_score":0.065485168248415},{"text":"Yeah.","start":1049.015,"end":1049.515,"sentiment":"neutral","sentiment_score":-0.03988157585263252},{"text":"So so with that one, just with, like, your preexisting exclusion, but it'd likely be a loading with diabetes and things like that as well.","start":1049.655,"end":1059.11,"sentiment":"neutral","sentiment_score":-0.10300187110900878}],"sentiment":"neutral","sentiment_score":0.13300407061442024,"num_words":84,"start":1013.985,"end":1059.11},{"sentences":[{"text":"And then given, you know, your age as well, insurances get more expensive as you do get older.","start":1059.11,"end":1064.09,"sentiment":"neutral","sentiment_score":-0.10361384848753612},{"text":"And then, yeah, with that, it'd come at the added cost as well that you would be sort of paying versus maintaining that group cover.","start":1064.1499,"end":1071.995,"sentiment":"neutral","sentiment_score":-0.026338879615068436},{"text":"Just as a sort of, you know, this ends up just informing you that, you know, should you not want to, you know, take on the service for the fee because you haven't been paying the fee just based on the the lower balance.","start":1072.375,"end":1082.84,"sentiment":"neutral","sentiment_score":-0.017026669345796108},{"text":"If they decide to let you know, based on going over the 50,000 that they would wanna turn it back on, you do have the option just to return to your handset as well and then just not not be an ongoing client and then just maintain your one account there at ANZ as well.","start":1083.38,"end":1098.5449,"sentiment":"neutral","sentiment_score":0.015433979127556086},{"text":"We'll do a review and make sure that your hub twenty four is still performing better than the ANZ to make sure it's still in best interest to be able to maintain the two funds anyway.","start":1098.605,"end":1107.025,"sentiment":"neutral","sentiment_score":0.14802666732834446}],"sentiment":"neutral","sentiment_score":0.016320978435216828,"num_words":178,"start":1059.11,"end":1107.025},{"sentences":[{"text":"But I thought I'd just let you know.","start":1107.405,"end":1109.005,"sentiment":"neutral","sentiment_score":0.08907551504671574},{"text":"Yeah.","start":1109.005,"end":1109.43,"sentiment":"neutral","sentiment_score":0.20788216590881348},{"text":"Was comparable.","start":1136.6599,"end":1137.5599,"sentiment":"neutral","sentiment_score":0.07193472050130367},{"text":"Yeah.","start":1137.7,"end":1138.2,"sentiment":"neutral","sentiment_score":0.13350139558315277},{"text":"Yeah.","start":1138.58,"end":1138.74,"sentiment":"neutral","sentiment_score":0.1240525245666504}],"sentiment":"neutral","sentiment_score":0.10168535749499615,"num_words":13,"start":1107.405,"end":1138.74},{"sentences":[{"text":"Yes.","start":1138.74,"end":1139.24,"sentiment":"neutral","sentiment_score":0.1792588233947754},{"text":"Yes.","start":1140.26,"end":1140.6599,"sentiment":"neutral","sentiment_score":0.12912395596504211},{"text":"So in terms of that wait.","start":1140.6599,"end":1142.4199,"sentiment":"neutral","sentiment_score":0.0006780133893092474},{"text":"Sorry.","start":1142.4199,"end":1142.9199,"sentiment":"neutral","sentiment_score":-0.020482368767261505},{"text":"Yeah.","start":1144.58,"end":1144.8999,"sentiment":"neutral","sentiment_score":0.18772733211517337}],"sentiment":"neutral","sentiment_score":0.04796958230435848,"num_words":10,"start":1138.74,"end":1144.8999},{"sentences":[{"text":"So as I was saying in terms of well, like, we we're just gonna review it and ensure that in regards to that, it's still, like, in your best interest having the two accounts because as advisers, you know, we've yeah.","start":1144.8999,"end":1154.5449,"sentiment":"neutral","sentiment_score":0.14835382107554412},{"text":"We've gotta make sure that, you know, having the two is still in your best interest.","start":1154.5449,"end":1157.745,"sentiment":"neutral","sentiment_score":0.28435956593602896},{"text":"You're still making money.","start":1157.745,"end":1158.945,"sentiment":"positive","sentiment_score":0.42251092195510864},{"text":"Obviously, if it's still working out that it is still in your best interest having the two and you're happy with the fee that's been haven't been ongoing client and it cost you pay for the services as well, happy days, we'd love to sort of still have you.","start":1158.945,"end":1170.4099,"sentiment":"positive","sentiment_score":0.5606932153507155},{"text":"But but at the end of the day, we wanna make sure that, you know, you're getting the most out of the service if you're paying for it as well.","start":1170.95,"end":1176.87,"sentiment":"positive","sentiment_score":0.5731714298327764}],"sentiment":"positive","sentiment_score":0.40708152752901827,"num_words":140,"start":1144.8999,"end":1176.87},{"sentences":[{"text":"And if you don't feel like you could get that, we have no issue sort of putting you back in in Ainsett and you being able to to maintain that as well.","start":1176.87,"end":1184.225,"sentiment":"positive","sentiment_score":0.48370893218088895},{"text":"And if it works out that the cost you would be paying versus the returns that have been getting as well, put you in a worse off position, we might look at sort of putting you back as well just to ensure that your your super savings aren't getting eroded as well by fees, if that makes sense.","start":1184.225,"end":1197.64,"sentiment":"negative","sentiment_score":-0.4459053834836031},{"text":"Yeah.","start":1199.9401,"end":1200.26,"sentiment":"neutral","sentiment_score":0.24295279383659363},{"text":"Because we wanna ensure the best outcome for you, Tasmin.","start":1200.26,"end":1202.74,"sentiment":"positive","sentiment_score":0.4534952431917191},{"text":"If that means you're not with us as a a a client and just, you know, using lies in that industry fund as well.","start":1202.74,"end":1208.9651,"sentiment":"neutral","sentiment_score":-0.01711098477244377}],"sentiment":"neutral","sentiment_score":-0.04813267856836319,"num_words":125,"start":1176.87,"end":1208.9651},{"sentences":[{"text":"We wanna make sure that, you know, it's that what's best for you is what we want at the end of the day.","start":1208.9651,"end":1213.785,"sentiment":"neutral","sentiment_score":0.30134956603464874},{"text":"Not a problem.","start":1216.0851,"end":1216.645,"sentiment":"neutral","sentiment_score":0.19874950249989828},{"text":"But we'll do a review of it, make sure, you know, all the figures match up, and then you get to make a decision once we present that statement and advice there as well, Tasman.","start":1216.645,"end":1223.0499,"sentiment":"neutral","sentiment_score":0.23269129395484925},{"text":"So you'll have all the information in front of you.","start":1223.0499,"end":1226.09,"sentiment":"neutral","sentiment_score":0.09984249398112297},{"text":"Yeah.","start":1226.09,"end":1226.59,"sentiment":"neutral","sentiment_score":0.08568791300058365}],"sentiment":"neutral","sentiment_score":0.23271662038233545,"num_words":72,"start":1208.9651,"end":1226.59},{"sentences":[{"text":"Not a problem.","start":1227.21,"end":1228.0299,"sentiment":"neutral","sentiment_score":0.09911063561836879},{"text":"And as far as your spouse, just double checking there as well.","start":1228.97,"end":1231.77,"sentiment":"neutral","sentiment_score":0.0026991376653313637},{"text":"She's not a a client with us at the moment?","start":1231.77,"end":1233.945,"sentiment":"neutral","sentiment_score":-0.12377302944660187},{"text":"Oh, she is?","start":1235.865,"end":1236.7649,"sentiment":"neutral","sentiment_score":-0.014875118310252825},{"text":"Just double check.","start":1238.1849,"end":1239.5449,"sentiment":"neutral","sentiment_score":-0.06378876666227977}],"sentiment":"neutral","sentiment_score":-0.03690323840466238,"num_words":31,"start":1227.21,"end":1239.5449},{"sentences":[{"text":"Sorry.","start":1239.5449,"end":1239.865,"sentiment":"neutral","sentiment_score":-0.11926399916410446},{"text":"Just because of Okay.","start":1239.865,"end":1248.84,"sentiment":"neutral","sentiment_score":-0.16978910192847252},{"text":"Yeah.","start":1248.84,"end":1249.08,"sentiment":"neutral","sentiment_score":-0.1392710506916046},{"text":"So because just with the change over there as well, a lot of the links went missing.","start":1249.08,"end":1252.2799,"sentiment":"neutral","sentiment_score":-0.23356314880006454},{"text":"I was just double checking.","start":1252.2799,"end":1253.5,"sentiment":"neutral","sentiment_score":-0.18099794387817383}],"sentiment":"neutral","sentiment_score":-0.2076162395200559,"num_words":28,"start":1239.5449,"end":1253.5},{"sentences":[{"text":"Yeah.","start":1264.855,"end":1265.015,"sentiment":"neutral","sentiment_score":-0.06332100182771683},{"text":"It just sort of depends, I think, where the the end of reviews lineup, where it is.","start":1265.015,"end":1269.4349,"sentiment":"neutral","sentiment_score":-0.06706538949819173},{"text":"But I believe, yeah, she's probably due for hers as well.","start":1270.34,"end":1272.74,"sentiment":"neutral","sentiment_score":-0.009694035757671703},{"text":"I think we're just a bit behind the eight ball with all those business changes.","start":1272.74,"end":1275.3,"sentiment":"neutral","sentiment_score":-0.15179582238197326},{"text":"We've changed client profiles and everything as well in regards to the the CRMs and stuff we use.","start":1275.3,"end":1281.62,"sentiment":"neutral","sentiment_score":-0.03544720572729906}],"sentiment":"neutral","sentiment_score":-0.06814603315245721,"num_words":62,"start":1264.855,"end":1281.62},{"sentences":[{"text":"So it's all over the ship a little bit.","start":1281.62,"end":1283.06,"sentiment":"neutral","sentiment_score":-0.10851858970191744},{"text":"We're trying to make a bit more sense of it coming into the the new year and getting through a bit of the backlog.","start":1283.06,"end":1287.045,"sentiment":"neutral","sentiment_score":-0.09024774748831987},{"text":"So apologies there, but okay.","start":1287.045,"end":1296.425,"sentiment":"neutral","sentiment_score":-0.05977607071399689},{"text":"In the next coming sort of, you know, weeks or months, as I said, there's a bit of a backlog.","start":1297.5599,"end":1301.32,"sentiment":"neutral","sentiment_score":-0.09025388304144144},{"text":"We are a bit behind.","start":1301.32,"end":1302.2,"sentiment":"neutral","sentiment_score":-0.2943797171115875}],"sentiment":"neutral","sentiment_score":-0.10664237852370928,"num_words":63,"start":1281.62,"end":1302.2},{"sentences":[{"text":"I think, you know, from a memory, they sort of have reached out to a few people that are due for their interviews, but might not have gotten a hold of them.","start":1302.2,"end":1308.76,"sentiment":"neutral","sentiment_score":-0.07442428404465318},{"text":"But I know it's sort of in the coming sort of month, they're really gonna sort of push to get people back on the phone.","start":1308.76,"end":1313.635,"sentiment":"neutral","sentiment_score":0.0006347554782405496},{"text":"The good news with that in regards to that, Tasman, is because your partner is on board, it would be a 1.1% fee instead of 1.65, which means you're paying less overall as well, which was yeah.","start":1314.255,"end":1327.57,"sentiment":"positive","sentiment_score":0.5547660758366456},{"text":"Because they do have a coupling fee.","start":1327.57,"end":1329.27,"sentiment":"neutral","sentiment_score":0.32331525853702},{"text":"And then just curious there as well, Tasman, I know you've been on board for a few years there.","start":1330.29,"end":1336.13,"sentiment":"neutral","sentiment_score":0.2575199353067498}],"sentiment":"neutral","sentiment_score":0.2109726848672532,"num_words":120,"start":1302.2,"end":1336.13},{"sentences":[{"text":"Just how have you found the service?","start":1336.13,"end":1337.89,"sentiment":"positive","sentiment_score":0.4213763049670628},{"text":"Has it been largely good?","start":1337.89,"end":1339.01,"sentiment":"positive","sentiment_score":0.469010192155838},{"text":"Have you had a positive experience so far?","start":1339.01,"end":1341.11,"sentiment":"positive","sentiment_score":0.40418101102113724},{"text":"Just the industry funds?","start":1368.4451,"end":1369.7251,"sentiment":"neutral","sentiment_score":-0.06186096463352442},{"text":"Or Did it see a bit few debates and things like that?","start":1369.7251,"end":1389.6001,"sentiment":"neutral","sentiment_score":-0.03851537103764713}],"sentiment":"neutral","sentiment_score":0.21718069090921846,"num_words":36,"start":1336.13,"end":1389.6001},{"sentences":[{"text":"Yep.","start":1408.22,"end":1408.72,"sentiment":"positive","sentiment_score":0.3918091654777527},{"text":"I'm glad to hear that, Tasmin.","start":1408.86,"end":1410.38,"sentiment":"positive","sentiment_score":0.7012454867362976},{"text":"And then, you know, not that you have to or anything like that, but if you ever did wanna leave a Google review, obviously, we're happy to have any sort of feedback you may have on how to sort of improve and how you have found the service.","start":1410.38,"end":1419.865,"sentiment":"positive","sentiment_score":0.5043461558719476},{"text":"It sort of helps with us to grow there as well.","start":1419.865,"end":1422.685,"sentiment":"positive","sentiment_score":0.7678501009941101},{"text":"And in conjunction with that as well, if you ever sort of come across someone that is looking for, you know, something a bit more than just the industry fun, you know, even if it's just sort of your children that you wanna refer on.","start":1423.145,"end":1433.2118,"sentiment":"neutral","sentiment_score":0.28548701571093665}],"sentiment":"positive","sentiment_score":0.45136184131239987,"num_words":111,"start":1408.22,"end":1433.2118},{"sentences":[{"text":"If someone was to come on board through your referral as well at the moment, they are running a referral program where if someone comes on board through your good faith, a referral, like you said, speaking with other people and actually do wanna, you know, have a conversation about it, they were to come on board as a client.","start":1433.2118,"end":1446.105,"sentiment":"neutral","sentiment_score":0.3045430821677049},{"text":"You actually get a $100 gift card, which is yeah.","start":1446.105,"end":1450.105,"sentiment":"neutral","sentiment_score":0.29184150099754336},{"text":"So if you are having one of those heated debates and someone actually does wanna have one of the free consultations, you know, whether it's your children, friends, family, yeah, at the moment, if there's someone to come on board through that referral.","start":1450.105,"end":1461.39,"sentiment":"neutral","sentiment_score":0.2319147387562796},{"text":"So with that, I can sort of send an email if you ever think of anyone as well with that budget planner.","start":1462.01,"end":1466.73,"sentiment":"neutral","sentiment_score":0.22467348724603653},{"text":"If you think of someone that might wanna have a a consultation there just to see, have their superannuation insurance reviewed, sorta have just a discussion about their situation even.","start":1466.73,"end":1475.405,"sentiment":"neutral","sentiment_score":0.2203572303056717}],"sentiment":"neutral","sentiment_score":0.2588901050614588,"num_words":165,"start":1433.2118,"end":1475.405},{"sentences":[{"text":"We've also got, you know, the mortgage brokers and things like that.","start":1475.705,"end":1477.9451,"sentiment":"neutral","sentiment_score":0.15466550613443056},{"text":"A lot of people thinking about houses, so feel free to to send them our way.","start":1477.9451,"end":1482.025,"sentiment":"neutral","sentiment_score":0.26742204069159925},{"text":"They don't we don't charge you upfront fee until they go to accept the advice anyway.","start":1482.025,"end":1486.1499,"sentiment":"neutral","sentiment_score":0.18941553123295307},{"text":"And if they're just looking for a mortgage broker, we can pass them on to some trusted partners and things like that as well, much like yourself sort of when you're ready.","start":1486.1499,"end":1494.5499,"sentiment":"positive","sentiment_score":0.33438871381804347},{"text":"So yeah.","start":1494.5499,"end":1495.9299,"sentiment":"neutral","sentiment_score":0.2656736969947815}],"sentiment":"neutral","sentiment_score":0.26150222385349947,"num_words":78,"start":1475.705,"end":1495.9299},{"sentences":[{"text":"But with that, is there anyone you can sort of think of that might benefit from the service at the moment there, Tasmin?","start":1497.045,"end":1501.305,"sentiment":"positive","sentiment_score":0.36345158970874286},{"text":"Yeah.","start":1506.0851,"end":1506.5851,"sentiment":"neutral","sentiment_score":0.12669634819030762},{"text":"Yep.","start":1513.38,"end":1513.88,"sentiment":"neutral","sentiment_score":0.06718873232603073},{"text":"Yeah.","start":1527.7949,"end":1528.2949,"sentiment":"neutral","sentiment_score":0.024397730827331543},{"text":"No.","start":1541.33,"end":1541.73,"sentiment":"neutral","sentiment_score":-0.2187136709690094}],"sentiment":"neutral","sentiment_score":0.30959095198799064,"num_words":27,"start":1497.045,"end":1541.73},{"sentences":[{"text":"You you are right.","start":1541.73,"end":1543.01,"sentiment":"neutral","sentiment_score":-0.004054917022585869},{"text":"Like, people like, in children did grow up a lot quicker back in the day.","start":1543.01,"end":1546.13,"sentiment":"neutral","sentiment_score":0.04096703976392746},{"text":"And, obviously, you know, when you push for more education to the 18, you're not an adult to your 18 type deal, it does sort of push back at least some form of, like, development of in regards to, like, adulting standards at least anyway.","start":1546.13,"end":1557.685,"sentiment":"negative","sentiment_score":-0.3419238413373629},{"text":"So you're not wrong at all.","start":1557.685,"end":1559.2251,"sentiment":"neutral","sentiment_score":-0.10215906240046024},{"text":"Yep.","start":1588.6499,"end":1589.1499,"sentiment":"neutral","sentiment_score":0.08240468055009842}],"sentiment":"neutral","sentiment_score":-0.21575826233331585,"num_words":71,"start":1541.73,"end":1589.1499},{"sentences":[{"text":"Yep.","start":1605.5449,"end":1606.0449,"sentiment":"neutral","sentiment_score":0.17212001979351044},{"text":"Yeah.","start":1609.5599,"end":1609.88,"sentiment":"neutral","sentiment_score":0.15084132552146912},{"text":"Pulling up your boots, right, and just doing it yourself.","start":1609.88,"end":1612.3099,"sentiment":"neutral","sentiment_score":0.14156006798148155},{"text":"Yep.","start":1626.455,"end":1626.955,"sentiment":"neutral","sentiment_score":-0.007700003683567047},{"text":"Yeah.","start":1639.51,"end":1640.01,"sentiment":"neutral","sentiment_score":-0.056125231087207794}],"sentiment":"neutral","sentiment_score":0.11962405645421573,"num_words":14,"start":1605.5449,"end":1640.01},{"sentences":[{"text":"Yeah.","start":1647.365,"end":1647.845,"sentiment":"neutral","sentiment_score":-0.0709463506937027},{"text":"Yeah.","start":1647.845,"end":1648.345,"sentiment":"neutral","sentiment_score":-0.04992571473121643},{"text":"Yeah.","start":1654.9651,"end":1655.4451,"sentiment":"neutral","sentiment_score":-0.018183810636401176},{"text":"You're not wrong at all.","start":1655.4451,"end":1656.485,"sentiment":"neutral","sentiment_score":-0.03255186900496483},{"text":"Ben, it doesn't.","start":1656.485,"end":1657.045,"sentiment":"neutral","sentiment_score":-0.058028715352217354}],"sentiment":"neutral","sentiment_score":-0.04326376064934514,"num_words":11,"start":1647.365,"end":1657.045},{"sentences":[{"text":"The cost of living is getting a bit out of hand at the moment.","start":1657.045,"end":1659.7051,"sentiment":"negative","sentiment_score":-0.3495331747191293},{"text":"But yeah.","start":1659.81,"end":1666.3175,"sentiment":"neutral","sentiment_score":-0.05838828533887864},{"text":"Yep.","start":1668.8213,"end":1669.3213,"sentiment":"neutral","sentiment_score":0.12582531571388245},{"text":"Yeah.","start":1686.88,"end":1687.38,"sentiment":"neutral","sentiment_score":0.1432129293680191},{"text":"Exactly right.","start":1689.84,"end":1690.64,"sentiment":"positive","sentiment_score":0.39221277832984924}],"sentiment":"neutral","sentiment_score":-0.19783886075019835,"num_words":20,"start":1657.045,"end":1690.64},{"sentences":[{"text":"And at the end of the day, a conversation never hurts either.","start":1690.64,"end":1693.6799,"sentiment":"positive","sentiment_score":0.40483545263608295},{"text":"Even if he is dead set against it, if he has the conversation, he has the chance to at least have a discussion, maybe expand his knowledge a tiny bit.","start":1693.6799,"end":1700.345,"sentiment":"neutral","sentiment_score":0.27311300560832025},{"text":"And if he decides not to come on board, that's his decision at the end of the day.","start":1700.345,"end":1703.7849,"sentiment":"neutral","sentiment_score":0.17542584074868095},{"text":"But at least he's got a little bit he can go away with and know a little bit more at the end of the day as well that hasn't cost him anything.","start":1703.7849,"end":1709.085,"sentiment":"positive","sentiment_score":0.4606885500252247},{"text":"Not a problem there, Tasmin.","start":1712.2799,"end":1713.6599,"sentiment":"positive","sentiment_score":0.37171093821525575}],"sentiment":"positive","sentiment_score":0.33824401056950854,"num_words":97,"start":1690.64,"end":1713.6599},{"sentences":[{"text":"But do you have any other questions for me at the moment while you've got me there?","start":1713.72,"end":1716.86,"sentiment":"neutral","sentiment_score":0.12716642679537044},{"text":"Exactly.","start":1723.735,"end":1724.215,"sentiment":"positive","sentiment_score":0.3486700654029846},{"text":"Yeah.","start":1724.215,"end":1724.5349,"sentiment":"neutral","sentiment_score":0.2854427695274353},{"text":"You know the the number there as well.","start":1724.5349,"end":1726.0549,"sentiment":"neutral","sentiment_score":0.27386074885725975},{"text":"Feel free to reach out whenever you have a chance to have a conversation.","start":1726.0549,"end":1729.595,"sentiment":"neutral","sentiment_score":0.31652254930564333}],"sentiment":"neutral","sentiment_score":0.22971082369728787,"num_words":41,"start":1713.72,"end":1729.595},{"sentences":[{"text":"Not a problem at all, Tasman.","start":1731.975,"end":1733.255,"sentiment":"neutral","sentiment_score":0.2953905214866002},{"text":"Well, after this call, I might not get to it straight after this phone call there, but I'll send you off the email just with that information, the budget planner, and you can respond to that if every like, you find someone that does wanna have a conversation.","start":1733.255,"end":1744.3099,"sentiment":"neutral","sentiment_score":0.1645824562292546},{"text":"Or if you just let them know when they're calling up by themselves, just make sure to let them know that, you know, Tasman sent them, and then you might get a little bit of something out of it if they do come on board as a client.","start":1744.85,"end":1754.335,"sentiment":"neutral","sentiment_score":0.26717902285357314},{"text":"Not a problem at all.","start":1756.395,"end":1757.275,"sentiment":"positive","sentiment_score":0.5148406684398651},{"text":"Well, you enjoy the rest of your day, Tasman.","start":1757.275,"end":1758.635,"sentiment":"positive","sentiment_score":0.7602240774366591}],"sentiment":"neutral","sentiment_score":0.27511305313814305,"num_words":116,"start":1731.975,"end":1758.635},{"sentences":[{"text":"Thanks for your time.","start":1758.635,"end":1759.615,"sentiment":"positive","sentiment_score":0.7785807847976685},{"text":"You can finally rest after your your long day there and kick your feet up.","start":1759.6749,"end":1763.695,"sentiment":"positive","sentiment_score":0.583045369386673},{"text":"No problem, mate.","start":1765.689,"end":1766.3289,"sentiment":"positive","sentiment_score":0.5650197466214498},{"text":"Well, thanks for your time.","start":1766.3289,"end":1767.289,"sentiment":"positive","sentiment_score":0.7501755595207215},{"text":"You enjoy the rest of your hour.","start":1767.289,"end":1768.5889,"sentiment":"positive","sentiment_score":0.754195579460689}],"sentiment":"positive","sentiment_score":0.6642738168730455,"num_words":34,"start":1758.635,"end":1768.5889},{"sentences":[{"text":"Cheers.","start":1770.6489,"end":1771.1289,"sentiment":"positive","sentiment_score":0.6547671556472778},{"text":"Bye.","start":1771.1289,"end":1771.6289,"sentiment":"positive","sentiment_score":0.4556722640991211}],"sentiment":"positive","sentiment_score":0.5552197098731995,"num_words":2,"start":1770.6489,"end":1771.6289}]}}]},{"alternatives":[{"transcript":"Hello? No. It's still trying to change over and I yeah. It's still wrong. One second. Assistant. Picking up the 969. I'm going to be wrong place, Kristen. Not not everything, like, yeah, but you got it. It's printing in the car. Yeah. Yeah. No. It's like a I think if you can drink. Yes. That's that's correct. That's all. Is it arthritis as well? So No. I haven't, but I should be. Yeah. That'll be good. Yeah. We we we're I'm in and hiring about getting into our house because the mother-in-law is is washing now 70. But yeah. My problem is I is having a home for for me, my kids, my grandchildren. So I had that all before I can come into this family. We are we were looking at our house, but just not be sure how to go about it. No. Just me and my partner and then down the road, not too far down the road. My the connect would be my mom. The 90. So oh, eight 80. Sorry. You said 8. Yeah. 80. I mean, because I because I think but, yeah, now she's hitting 80 and, yeah, we're looking at taking care of it, but she won't go with any of my my other siblings. And that that that that that that that that that that that that that that's the only reason why I'm looking at another on a house. So she'll she doesn't wanna come over here because she lives in New Zealand. But but she doesn't wanna stay with my other siblings. She'll only stay with me. No. No. I I want to to get a house here so she has has a house to come to if if the options so the option is there for her. But we we we have been looking for a house for ourselves as well. We just had the dilemmas that is that, like, her mom we thought she mom might move back to Darlene by her sisters because she's been the only maid. Yeah. It's one of those test 22 that she's at the moment. Yes. Yeah. Something like that. Yeah. Yes. Yeah. That's good. Yeah. Oh, yeah. Of course. Yes. No. I but have that when I come here, it's been nineteen years now. Uh-huh. Been talking yet, but they didn't have a KiwiSaver when I was there. No. No. Yeah. I just I was just paying good bank, and I've always been a good bank. Not sure where is the greatest one, but, yeah, with the speaking of bank, I I I used to to take money out of it. I think it's at nearly 20,000 in the other. Yes. I'm getting stronger and stronger. I was really apprehensive in the beginning, but now I'm getting more more of a risk factor, I suppose. Yes. That's a great question. I guess I guess it's probably what's happening overseas. It's making it a lot more risky than than normal. So I think more what's meant mean more courses, I guess. Yeah. No. I'm I probably just stay with with you know, it's in the in the safe mode just in the meantime because it's it's pretty volatile. You don't know what the hell is going on. Not not a concern. More courses. Because I think we are far away from it. I mean, it does affect that's got fuel and stuff like that, but I don't know if it's gonna be major or or hack them out in this side of the world. But I'm not concerned. Maybe cautious, I guess. I'm pretty sure I think I think the sign went through. I I pretty sure. I I think yeah. Yes. Yes. Did the email come back for me? K. I do. Oh, yeah. Yes. Oh, okay. Yep. Uh-huh. Yes. Okay. No. The first one. Yeah. Yes. Yes. That's good. No. No. Sounds good. Disinfected. Yeah. Yeah. No. Cool. Cool. Yeah. No. No. It's fine. No. No. You pretty much addressed. And then and after the main one, whether you're gonna roll over from the AMT school. Yeah. Yeah. Yeah. That's that's yeah. Obviously, not the only reason I keep that one was was to keep the insurance health insurance because I wouldn't get that anywhere any other place. So I can't remember who I was talking to at the time. He he his advice was to keep it, and they'll just keep enough money in here to keep it going. Yeah. Yeah. Sorry. Oh, okay. Yeah. I just thought that the more the more was where where with with you guys, the more I can get in there, the more you can work with. Like I said, the we did did look at closing up the other one just for convenience purposes, but, yeah, that that he couldn't find a a health insurance that that could that could feed it. So he just yeah. Yeah. He did. So I'm not yeah. Yep. No. No. You're good. Yeah. Cool. Cool. Yeah. Yeah. Sure. Yeah. Absolutely. Oh, cuckoo. Yeah. Yeah. Yeah. Jennifer. I think he is. Yeah. Yes. Yes. He is. Yeah. He she he she find I don't know. She she finds it difficult to in communication. Oh, okay. They they normally give her a ring after they had the phone call with me. They probably probably trying to catch up. Yeah. I think she I think she might have changed jobs and see when she first started, I think. I'm not a 100% sure. But yeah. You know, I I I generally have it. It's like it goes the other route. There's not a lot of communication. Like, if they all talk to family members or friends and they go, yeah. No. No. Mine's the same. And I go, no. You're not the same. They they guys aren't doing nothing. They don't contact you. It's it's just sitting there. I think they're government controlled. I'm I'm not too sure. I said, no. Just yeah. Just I think I think you might be yeah. It might be interesting then. So just say no. No. Mine, it's different. They're not the same. And they but little heat not heated, but got a little bit passionate, should I say. They're a bit no. No. I've I've been yeah. Yeah. Yeah. I've I've been with you. You've been no. It's not the same. It's different. It's it's it's working for me. I'm I'm much wiser. But yeah. No. No. A positive experience that you know, the years. Oh, cool. Yes. I have a talk with my son. He's making a change at the moment. He's gonna go over the fifth and jump in the mines. Yeah. So I'm I'm on I might have a chat to him about because he he doesn't have a clue. He he's this this day, they announced a 34 year old, 35 year old, or or a 20 year old. It's I mean, I I was well grown up. I I was 30 when I was 20. But it's it's 35 year old. These guys are 20 year olds. It's it's I'm not trying to be thinking, but that's that's what I think. Well, it's basically, they they just don't have that worldly experience. Like, I I don't well, to be fair, not everybody had the experiences that I had. Like, I came to Australia when I was 13 as an apprentice jockey, and and that was by myself at the age of 30. There were a little bit of contention over that, but I got I got to learn I learned about the world, and that was at 30 age of 30. I went back at 20. Went back to New Zealand. I had a family and come back nineteen years later. And now I'm on my twentieth year being here in Australia. So, like, it they just don't get that experience. And and I I look at a lot of parents. They do everything for them. I mean, anyway, I learned I learned by doing it. And then and then pay pay pay my pay my bills or, you know, like, my my mother used to do it week in and week out. Because back days back in that day, it was a lot harder. You had to go and do everything manually. You know, you you had to put aside put aside the the day to go and pay all the bills. And and but also back that day, there wasn't a lot of money. I suppose it's not a little bit like that way here too, but that but that's because your income is lower than the the what do you call it? Inflation? Yeah. Yeah. It's lower than, like, everything's going up, but except for wages. Yeah. But he he's not he's not even he's got he he wouldn't have a clue. So I'm gonna could talk to him because this is a free start for him. And I've been in the mines. Obviously, I'm expecting he'll get a flow of funds, and he can be a miser, which is a good thing about him. But yeah. But I I want him to be able to do something with it while he's in the and and and have his money looked after. 100%. Oh, no. No. And the good thing about it is I'm not afraid to ring up nowadays. Exactly. Yeah. Sure. Sure. Yeah. Thank you. Yeah. Thank you. Yeah. Good evening. Alright, man. 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No. It's still trying to change over and I yeah. It's still wrong. One second.\n\nAssistant. Picking up the 969. I'm going to be wrong place, Kristen. Not not everything, like, yeah, but you got it. It's printing in the car.\n\nYeah. Yeah. No. It's like a I think if you can drink. Yes.\n\nThat's that's correct. That's all. Is it arthritis as well? So No. I haven't, but I should be.\n\nYeah. That'll be good. Yeah. We we we're I'm in and hiring about getting into our house because the mother-in-law is is washing now 70. But yeah.\n\nMy problem is I is having a home for for me, my kids, my grandchildren. So I had that all before I can come into this family. We are we were looking at our house, but just not be sure how to go about it. No. Just me and my partner and then down the road, not too far down the road.\n\nMy the connect would be my mom. The 90. So oh, eight 80. Sorry. You said 8.\n\nYeah. 80. I mean, because I because I think but, yeah, now she's hitting 80 and, yeah, we're looking at taking care of it, but she won't go with any of my my other siblings. And that that that that that that that that that that that that that that's the only reason why I'm looking at another on a house. So she'll she doesn't wanna come over here because she lives in New Zealand.\n\nBut but she doesn't wanna stay with my other siblings. She'll only stay with me. No. No. I I want to to get a house here so she has has a house to come to if if the options so the option is there for her.\n\nBut we we we have been looking for a house for ourselves as well. We just had the dilemmas that is that, like, her mom we thought she mom might move back to Darlene by her sisters because she's been the only maid. Yeah. It's one of those test 22 that she's at the moment. Yes.\n\nYeah. Something like that. Yeah. Yes. Yeah.\n\nThat's good. Yeah. Oh, yeah. Of course. Yes.\n\nNo. I but have that when I come here, it's been nineteen years now. Uh-huh. Been talking yet, but they didn't have a KiwiSaver when I was there. No.\n\nNo. Yeah. I just I was just paying good bank, and I've always been a good bank. Not sure where is the greatest one, but, yeah, with the speaking of bank, I I I used to to take money out of it. I think it's at nearly 20,000 in the other.\n\nYes. I'm getting stronger and stronger. I was really apprehensive in the beginning, but now I'm getting more more of a risk factor, I suppose. Yes. That's a great question.\n\nI guess I guess it's probably what's happening overseas. It's making it a lot more risky than than normal. So I think more what's meant mean more courses, I guess. Yeah. No.\n\nI'm I probably just stay with with you know, it's in the in the safe mode just in the meantime because it's it's pretty volatile. You don't know what the hell is going on. Not not a concern. More courses. Because I think we are far away from it.\n\nI mean, it does affect that's got fuel and stuff like that, but I don't know if it's gonna be major or or hack them out in this side of the world. But I'm not concerned. Maybe cautious, I guess. I'm pretty sure I think I think the sign went through. I I pretty sure.\n\nI I think yeah. Yes. Yes. Did the email come back for me? K.\n\nI do. Oh, yeah. Yes. Oh, okay. Yep.\n\nUh-huh. Yes. Okay. No. The first one.\n\nYeah. Yes. Yes. That's good. No.\n\nNo. Sounds good. Disinfected. Yeah. Yeah.\n\nNo. Cool. Cool. Yeah. No.\n\nNo. It's fine. No. No. You pretty much addressed.\n\nAnd then and after the main one, whether you're gonna roll over from the AMT school. Yeah. Yeah. Yeah. That's that's yeah.\n\nObviously, not the only reason I keep that one was was to keep the insurance health insurance because I wouldn't get that anywhere any other place. So I can't remember who I was talking to at the time. He he his advice was to keep it, and they'll just keep enough money in here to keep it going. Yeah. Yeah.\n\nSorry. Oh, okay. Yeah. I just thought that the more the more was where where with with you guys, the more I can get in there, the more you can work with. Like I said, the we did did look at closing up the other one just for convenience purposes, but, yeah, that that he couldn't find a a health insurance that that could that could feed it.\n\nSo he just yeah. Yeah. He did. So I'm not yeah. Yep.\n\nNo. No. You're good. Yeah. Cool.\n\nCool. Yeah. Yeah. Sure. Yeah.\n\nAbsolutely. Oh, cuckoo. Yeah. Yeah. Yeah.\n\nJennifer. I think he is. Yeah. Yes. Yes.\n\nHe is. Yeah. He she he she find I don't know. She she finds it difficult to in communication. Oh, okay.\n\nThey they normally give her a ring after they had the phone call with me. They probably probably trying to catch up. Yeah. I think she I think she might have changed jobs and see when she first started, I think. I'm not a 100% sure.\n\nBut yeah. You know, I I I generally have it. It's like it goes the other route. There's not a lot of communication. Like, if they all talk to family members or friends and they go, yeah.\n\nNo. No. Mine's the same. And I go, no. You're not the same.\n\nThey they guys aren't doing nothing. They don't contact you. It's it's just sitting there. I think they're government controlled. I'm I'm not too sure.\n\nI said, no. Just yeah. Just I think I think you might be yeah. It might be interesting then. So just say no.\n\nNo. Mine, it's different. They're not the same. And they but little heat not heated, but got a little bit passionate, should I say. They're a bit no.\n\nNo. I've I've been yeah. Yeah. Yeah. I've I've been with you.\n\nYou've been no. It's not the same. It's different. It's it's it's working for me. I'm I'm much wiser.\n\nBut yeah. No. No. A positive experience that you know, the years. Oh, cool.\n\nYes. I have a talk with my son. He's making a change at the moment. He's gonna go over the fifth and jump in the mines. Yeah.\n\nSo I'm I'm on I might have a chat to him about because he he doesn't have a clue. He he's this this day, they announced a 34 year old, 35 year old, or or a 20 year old. It's I mean, I I was well grown up. I I was 30 when I was 20. But it's it's 35 year old.\n\nThese guys are 20 year olds. It's it's I'm not trying to be thinking, but that's that's what I think. Well, it's basically, they they just don't have that worldly experience. Like, I I don't well, to be fair, not everybody had the experiences that I had. Like, I came to Australia when I was 13 as an apprentice jockey, and and that was by myself at the age of 30.\n\nThere were a little bit of contention over that, but I got I got to learn I learned about the world, and that was at 30 age of 30. I went back at 20. Went back to New Zealand. I had a family and come back nineteen years later. And now I'm on my twentieth year being here in Australia.\n\nSo, like, it they just don't get that experience. And and I I look at a lot of parents. They do everything for them. I mean, anyway, I learned I learned by doing it. And then and then pay pay pay my pay my bills or, you know, like, my my mother used to do it week in and week out.\n\nBecause back days back in that day, it was a lot harder. You had to go and do everything manually. You know, you you had to put aside put aside the the day to go and pay all the bills. And and but also back that day, there wasn't a lot of money. I suppose it's not a little bit like that way here too, but that but that's because your income is lower than the the what do you call it?\n\nInflation? Yeah. Yeah. It's lower than, like, everything's going up, but except for wages. Yeah.\n\nBut he he's not he's not even he's got he he wouldn't have a clue. So I'm gonna could talk to him because this is a free start for him. And I've been in the mines. Obviously, I'm expecting he'll get a flow of funds, and he can be a miser, which is a good thing about him. But yeah.\n\nBut I I want him to be able to do something with it while he's in the and and and have his money looked after. 100%. Oh, no. No. And the good thing about it is I'm not afraid to ring up nowadays.\n\nExactly. Yeah. Sure. Sure. Yeah.\n\nThank you. Yeah. Thank you. Yeah. Good evening.\n\nAlright, man. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":-0.022954102605581284},{"text":"No.","start":7.12,"end":7.44,"sentiment":"negative","sentiment_score":-0.35637176036834717},{"text":"It's still trying to change over and I yeah.","start":7.44,"end":10.88,"sentiment":"negative","sentiment_score":-0.372708840502633},{"text":"It's still wrong.","start":10.88,"end":11.599999,"sentiment":"negative","sentiment_score":-0.37691742181777954},{"text":"One second.","start":11.599999,"end":12.315,"sentiment":"neutral","sentiment_score":-0.1382022649049759}],"sentiment":"neutral","sentiment_score":-0.32130388892255723,"num_words":16,"start":3.1999998,"end":12.315},{"sentences":[{"text":"Assistant.","start":21.515,"end":22.015,"sentiment":"neutral","sentiment_score":-0.007352611050009728},{"text":"Picking up the 969.","start":24.074999,"end":26.255,"sentiment":"neutral","sentiment_score":-0.011967586353421211},{"text":"I'm going to be wrong place, Kristen.","start":27.96,"end":30.619999,"sentiment":"neutral","sentiment_score":-0.06808515105928693},{"text":"Not not everything, like, yeah, but you got it.","start":47.475,"end":50.995,"sentiment":"neutral","sentiment_score":-0.10958784735865063},{"text":"It's printing in the car.","start":50.995,"end":52.775,"sentiment":"neutral","sentiment_score":-0.03578294664621353}],"sentiment":"neutral","sentiment_score":-0.06527016820529333,"num_words":26,"start":21.515,"end":52.775},{"sentences":[{"text":"Yeah.","start":63.6,"end":63.84,"sentiment":"neutral","sentiment_score":0.012856045737862589},{"text":"Yeah.","start":63.84,"end":64.16,"sentiment":"neutral","sentiment_score":-0.0006834380328655243},{"text":"No.","start":64.16,"end":64.24,"sentiment":"neutral","sentiment_score":-0.11295418441295624},{"text":"It's like a I think if you can 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money.","start":1630.26,"end":1635.08,"sentiment":"neutral","sentiment_score":-0.1447194078220771},{"text":"I suppose it's not a little bit like that way here too, but that but that's because your income is lower than the the what do you call it?","start":1635.455,"end":1646.175,"sentiment":"neutral","sentiment_score":-0.15016606989605674}],"sentiment":"neutral","sentiment_score":-0.11980155151246524,"num_words":82,"start":1619.525,"end":1646.175},{"sentences":[{"text":"Inflation?","start":1646.175,"end":1646.675,"sentiment":"neutral","sentiment_score":-0.12948697805404663},{"text":"Yeah.","start":1648.015,"end":1648.255,"sentiment":"neutral","sentiment_score":-0.038352593779563904},{"text":"Yeah.","start":1648.255,"end":1648.755,"sentiment":"neutral","sentiment_score":-0.032733842730522156},{"text":"It's lower than, like, everything's going up, but except for wages.","start":1648.97,"end":1654.03,"sentiment":"neutral","sentiment_score":-0.07918787138028578},{"text":"Yeah.","start":1660.01,"end":1660.41,"sentiment":"neutral","sentiment_score":-0.08856481313705444}],"sentiment":"neutral","sentiment_score":-0.07734698752562205,"num_words":15,"start":1646.175,"end":1660.41},{"sentences":[{"text":"But he he's not he's not even he's got he he wouldn't have a clue.","start":1660.41,"end":1665.3451,"sentiment":"neutral","sentiment_score":-0.24341444770495096},{"text":"So I'm gonna could talk to him because this is a free start for him.","start":1665.3451,"end":1669.525,"sentiment":"neutral","sentiment_score":0.1121024710436662},{"text":"And I've been in the mines.","start":1669.8251,"end":1672.165,"sentiment":"neutral","sentiment_score":-0.049216633973022304},{"text":"Obviously, I'm expecting he'll get a flow of funds, and he can be a miser, which is a good thing about him.","start":1672.9451,"end":1679.61,"sentiment":"neutral","sentiment_score":-0.0977950431406498},{"text":"But yeah.","start":1679.61,"end":1682.35,"sentiment":"neutral","sentiment_score":0.04342519864439964}],"sentiment":"neutral","sentiment_score":-0.07216033342604836,"num_words":60,"start":1660.41,"end":1682.35},{"sentences":[{"text":"But I I want him to be able to do something with it while he's in the and and and have his money looked after.","start":1682.57,"end":1689.195,"sentiment":"neutral","sentiment_score":0.2836514741182327},{"text":"100%.","start":1709.69,"end":1710.51,"sentiment":"neutral","sentiment_score":0.2820770740509033},{"text":"Oh, no.","start":1717.865,"end":1718.345,"sentiment":"neutral","sentiment_score":0.039943261072039604},{"text":"No.","start":1718.345,"end":1718.845,"sentiment":"neutral","sentiment_score":0.026712197810411453},{"text":"And the good thing about it is I'm not afraid to ring up nowadays.","start":1719.145,"end":1722.285,"sentiment":"positive","sentiment_score":0.4281903494681631}],"sentiment":"neutral","sentiment_score":0.31336343115152315,"num_words":43,"start":1682.57,"end":1722.285},{"sentences":[{"text":"Exactly.","start":1730.64,"end":1731.14,"sentiment":"neutral","sentiment_score":0.21839860081672668},{"text":"Yeah.","start":1754.855,"end":1755.0951,"sentiment":"neutral","sentiment_score":0.1978328824043274},{"text":"Sure.","start":1755.0951,"end":1755.495,"sentiment":"neutral","sentiment_score":0.2362721711397171},{"text":"Sure.","start":1755.495,"end":1755.96,"sentiment":"neutral","sentiment_score":0.29284346103668213},{"text":"Yeah.","start":1762.9199,"end":1763.08,"sentiment":"neutral","sentiment_score":0.2027503401041031}],"sentiment":"neutral","sentiment_score":0.22961949110031127,"num_words":5,"start":1730.64,"end":1763.08},{"sentences":[{"text":"Thank you.","start":1763.08,"end":1763.8999,"sentiment":"positive","sentiment_score":0.4998837560415268},{"text":"Yeah.","start":1763.96,"end":1764.2799,"sentiment":"positive","sentiment_score":0.4316321015357971},{"text":"Thank you.","start":1764.2799,"end":1765.02,"sentiment":"positive","sentiment_score":0.6347934007644653},{"text":"Yeah.","start":1768.6799,"end":1769.0,"sentiment":"positive","sentiment_score":0.44423556327819824},{"text":"Good evening.","start":1769.0,"end":1769.5889,"sentiment":"positive","sentiment_score":0.5672955811023712}],"sentiment":"positive","sentiment_score":0.5349766425788403,"num_words":8,"start":1763.08,"end":1769.5889},{"sentences":[{"text":"Alright, man.","start":1769.7489,"end":1770.4088,"sentiment":"positive","sentiment_score":0.5551759898662567},{"text":"Bye bye.","start":1771.5089,"end":1772.2489,"sentiment":"neutral","sentiment_score":0.11734925583004951}],"sentiment":"positive","sentiment_score":0.3362626228481531,"num_words":4,"start":1769.7489,"end":1772.2489}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: It doesn't yeah. It just cut out there.\n\nChannel 1: No. It's still trying to change over and I yeah. It's still wrong. One second.\n\nChannel 0: No. That's that's perfectly fine. Just because it is a new call there, unfortunately, I do have to pass through that security again there, Tasman, with that name, date of birth, and current address. We can get stuck back into that.\n\nChannel 1: Assistant. Picking up the 969. I'm going to be wrong place, Kristen.\n\nChannel 0: Perfect. Perfect. Thank you. Now I know we're just sort of chatting just about, yeah, assets, liabilities. Is there anything else that you sort of haven't mentioned or you haven't mentioned that you've got in regards to assets, liabilities, any loans, things like that?\n\nChannel 1: Not not everything, like, yeah, but you got it. It's printing in the car.\n\nChannel 0: Yep. Alright. And then as far as your health, in the last twelve months since you last spoke to us there, you're still currently a nonsmoker?\n\nChannel 1: Yeah. Yeah. No. It's like a I think if you can drink.\n\nChannel 0: Yeah. And then as far as, like, your medication, you're still taking the medication for for diabetes at the moment?\n\nChannel 1: Yes. That's that's\n\nChannel 0: Yep.\n\nChannel 1: correct.\n\nChannel 0: Is is there any other medications that you're taking at the moment?\n\nChannel 1: That's all. Is it arthritis as well? So\n\nChannel 0: Yep. And then as far as a will, have you managed around to getting a will sort in the last twelve months?\n\nChannel 1: No. I haven't, but I\n\nChannel 0: Because we can sort of send you some details\n\nChannel 1: should\n\nChannel 0: just in regards to, like, a local solicitor\n\nChannel 1: be.\n\nChannel 0: here and their general pricing just to give you an idea. Do you have a read through about a bit more about, like, wills and estates and things like that and what\n\nChannel 1: Yeah.\n\nChannel 0: it might be? Yeah.\n\nChannel 1: That'll be good.\n\nChannel 0: Perfect. And then in regards to goals that you're working towards at the moment there, Tasman, is there I know you wanted to go to a holiday to Thailand, and then you've got your retirement sort of goals in mind of, like, what you're trying to save towards there. But is there anything else that you're trying to achieve in the the short term, maybe set part pay down the the car loan there?\n\nChannel 1: Yeah. We we we're I'm in and hiring about getting into our house because the mother-in-law is is washing now 70.\n\nChannel 0: Yep.\n\nChannel 1: But yeah. My problem is I is having a home for for me, my kids, my grandchildren. So I had that all before I can come into this family. We are we were looking at our house, but just not be sure how to go about it.\n\nChannel 0: Yep. Yep. So in in terms of that one, in terms of, like, purchasing, like, the family member's house or looking at a different sort of house? Like you were saying, it is sorta like, where is it looking like as a fan like your sorta your partner and then, like, a group of people going for a house or, like, just yourself?\n\nChannel 1: No. Just me and my partner and then down the road, not too far down the road. My the connect would be my mom. The 90. So\n\nChannel 0: In terms of,\n\nChannel 1: oh,\n\nChannel 0: like,\n\nChannel 1: eight 80.\n\nChannel 0: caring\n\nChannel 1: Sorry.\n\nChannel 0: for her\n\nChannel 1: You\n\nChannel 0: or\n\nChannel 1: said\n\nChannel 0: trying\n\nChannel 1: 8.\n\nChannel 0: to what's that, sir?\n\nChannel 1: Yeah. 80. I mean, because I because I think but, yeah, now she's hitting 80 and, yeah, we're looking at taking care of it, but she won't go with any of my my other siblings.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: that\n\nChannel 0: does\n\nChannel 1: that\n\nChannel 0: your\n\nChannel 1: that\n\nChannel 0: mother\n\nChannel 1: that\n\nChannel 0: own\n\nChannel 1: that that\n\nChannel 0: a house\n\nChannel 1: that that that\n\nChannel 0: as well that you'd be,\n\nChannel 1: that\n\nChannel 0: like, moving\n\nChannel 1: that\n\nChannel 0: in with, or is it sorta you'd\n\nChannel 1: that\n\nChannel 0: be looking?\n\nChannel 1: that that's the only reason why I'm looking at another on a house. So she'll she doesn't wanna come over here because she lives in New Zealand.\n\nChannel 0: Yep. Okay.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: but she doesn't wanna stay with my other siblings. She'll only stay with me.\n\nChannel 0: So does that mean that you're potentially planning on moving back to New Zealand?\n\nChannel 1: No. No. I I want to to get a house here so she has has a house to come to if if the options so the option is there for her. But we we we have been looking for a house for ourselves as well.\n\nChannel 0: Yep.\n\nChannel 1: We just had the dilemmas that is that, like, her mom we thought she mom might move back to Darlene by her sisters because she's been the only maid. Yeah. It's\n\nChannel 0: Yep.\n\nChannel 1: one of those test 22 that she's at the moment.\n\nChannel 0: So is that something that you're looking at sort of shortly? Is that something that you wanna sort of see how things plays out in the next sort of six to twelve months? Just, like, making\n\nChannel 1: Yes.\n\nChannel 0: sure you continue to to save and then maybe speaking to a mortgage broker to see what that might look like.\n\nChannel 1: Yeah. Something like that. Yeah.\n\nChannel 0: Yeah. Because I can just make a note of it sort of in the, you know, the next sort of twelve to to\n\nChannel 1: Yes.\n\nChannel 0: twenty four months there just depending on what happens, you know, family wise. Obviously, in the meantime, the good idea is to obviously try and build up as much savings as possible to, you know, put it go towards a potential house deposit in that time frame.\n\nChannel 1: Yeah. That's good.\n\nChannel 0: We can send through a budget planner. You don't have to use this by any means, but it is a good tool to be able to just map out your budget and sort of that savings. I know you're sort of putting away a little bit in savings at the moment regularly, but this can help you track it a little bit more, track your bills and expenses, and prepare for, like, a little bit of those larger expenses that come up, you know, like the your like, rego, things like that as well,\n\nChannel 1: Yeah.\n\nChannel 0: and just, like,\n\nChannel 1: Oh, yeah.\n\nChannel 0: planning playing it out a bit better.\n\nChannel 1: Of course.\n\nChannel 0: Perfect. I'll get that sent out to you after this phone call there as well. I will also do a quick risk profile there with you, Tasman, just make sure it aligns with what we've currently got you invested in. So just bear with me while I open that back up. It's just closed down on me.\n\nYeah. Perfect. And just to refresh my memory there, Tasman, have you ever invested in direct shares previously, or is it just like what you've done through Oakview? Investing direct shares like any other investments apart from like your superannuation? Yep.\n\nAnd within regards to like retire, I know you sort of as a rough sort of things, reckon you'll be sort of still working to that age 67, especially if you're sort of looking at property and things like that as well. Is that sort of still the case working to that time frame?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And then with inflation, obviously, you know, the cost of living isn't getting any cheaper. You probably feel that a little bit. Are you still yeah. Are you still willing to, like, accept sort of moderate or high amount of risk to try and outpace inflation with your superannuation?\n\nI know, you know, being that you came from New Zealand, it's not the the highest balance there. And do you still have a Kiwi saver there, Tasman?\n\nChannel 1: No. I but have that when I come here, it's been nineteen years now. Uh-huh.\n\nChannel 0: Okay.\n\nChannel 1: Been talking yet, but they didn't have a KiwiSaver when I was there.\n\nChannel 0: Back then. Yeah.\n\nChannel 1: No. No. Yeah. I just I was just paying good bank, and I've always been a good bank. Not sure where is the greatest one, but, yeah, with the\n\nChannel 0: Yep.\n\nChannel 1: speaking of bank, I I I used to to take money out of it. I think it's at nearly 20,000 in the other.\n\nChannel 0: Yeah. So that's part of, like, obviously, the the review here as well. Just to I believe the last time I checked when the the tenth of the third day was when the last time they called, it was around 19,600 sitting in that one. So as a part of that, we can review your your investments in that rollover strategies. You got around 52 in your your hub twenty four there as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. And so to go back to that question, it has been a did you consider yourself a bit of a moderate risk taker there or a bit higher depending on that with, like, trying to get the most out of your superannuation?\n\nChannel 1: I'm getting stronger and stronger. I was really apprehensive in the beginning, but now I'm getting more more of a risk factor, I suppose.\n\nChannel 0: Yep. And then sort of with everything going on in the markets at the moment, if your portfolio was to decrease by 20% due to what's happening in the market, you know, the wars and things like that, would you,\n\nChannel 1: Yes.\n\nChannel 0: like, wanna sorta shift your investments to be a bit more defensive? Would you just hold and wait it out for the the longer term given that you don't sort of plan on retiring soon or maybe sort of, you know, think of alternative options?\n\nChannel 1: That's a great question. I guess I guess it's probably what's happening overseas. It's making it a lot more risky than than normal. So I think more\n\nChannel 0: Yeah.\n\nChannel 1: what's meant mean more courses, I guess.\n\nChannel 0: Yeah. Sort of that you would just kind of like hold and wait it out. You wouldn't sort of go trying to sell anything down to cash and things like that?\n\nChannel 1: Yeah. No. I'm I probably just stay with with\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Exactly.\n\nChannel 1: it's in the in the safe mode just in the meantime because it's it's pretty volatile. You don't know what the hell is going on.\n\nChannel 0: And then during events like COVID where Super did take a bit of a dive, did that make you a little bit concerned or cautious about what was going on in your superannuation investments?\n\nChannel 1: Not not a concern. More courses. Because I think we are far away from it. I mean, it does affect that's got fuel and stuff like that, but I don't know if it's gonna be major or or hack them out in this side of the\n\nChannel 0: Yeah.\n\nChannel 1: world. But I'm not concerned. Maybe cautious, I guess.\n\nChannel 0: Yep. And with that, obviously, you know, wars create, you know, quite volatile environments. But in terms of, like, long term effects, generally, you know, it is a little bit more short lived than, like, pandemics and, like, terrorist attacks, those sort of things. They do tend to, after, you know, a period of time, once the the dust has settled, as per se, they do sort of recover quite quickly still as well. And that does bring you out still to a growth investor, which is what we've currently got you invested in.\n\nSo fantastic.\n\nChannel 1: I'm\n\nChannel 0: That still lines up. Now did you get that email there that I sent before, Tasmin, with your your document?\n\nChannel 1: pretty sure I think I think the sign went through. I I pretty sure.\n\nChannel 0: You you signed it already?\n\nChannel 1: I I think yeah.\n\nChannel 0: I'll just have a\n\nChannel 1: Yes.\n\nChannel 0: a double\n\nChannel 1: Yes.\n\nChannel 0: check.\n\nChannel 1: Did the email come back for me? K. I do. Oh, yeah.\n\nChannel 0: Yep. That one has been signed. So with that one there, that was a tax file not in and a a lost super search form. We just send\n\nChannel 1: Yes.\n\nChannel 0: that off to the ATO to ensure there's no other accounts out there in your name. The tax\n\nChannel 1: Oh,\n\nChannel 0: file\n\nChannel 1: okay.\n\nChannel 0: number opt in one was just in regards to where we store your tax file number on file. We've just updated that form where\n\nChannel 1: Yep.\n\nChannel 0: it was previously. It would just be redacted off that one. Now in regards to the updates, there were a few business updates. You do have the most up to date financial services card. Now in terms of the fee you do pay there, Tasman, so back in I believe it was let me just double check.\n\nMight have been quite a while ago now. Harry turned off your fee just because of the lower balance to help your superannuation grow.\n\nChannel 1: Uh-huh.\n\nChannel 0: Now as part of reviewing your superannuation investments there as well, given that it has climbed over the the 50,000 mark, they may wanna turn that back on. I'll have a discussion with the the team there. We'll do the research first in regards to that. We also will do a review just of your I know you updated your investments in 2024. And since then, you know, in the last twelve months, it did 7.7% in regards to a return, which is still quite a nice return for a growth portfolio with everything that is going on there.\n\nChannel 1: Yes.\n\nChannel 0: But your actively managed fund, Venlo, which makes up for around six or 7% of your portfolio, they just had an underlying investment called corporate traveler, which was done for not reporting correctly. And then as a result of that, they had to reevaluate not only corporate traveler, but the fund itself lost a lot of value and consumer confidence. Now Oku's decision as regards to that was to to move away from Benelon. Now given the recency of that, we can just opt to do a record of advice and switch that investment there to Australian two hundred, which is an indexed investment. Now you wouldn't have an active portion to your super anymore, so there wouldn't be a managed fund where they're actively trying to outperform the market.\n\nIt means that it's kind of reduced the cost and then that you just track those indexes. Especially with everything going on, it's a bit hard to pick winners at the moment as well. But in saying that, there is an option to review your portfolio, look\n\nChannel 1: Okay.\n\nChannel 0: at another active replacement, or we can just do that quick change with the Benelon two, the alternative. You will make a little bit of a loss to that, but it'll also offset some costs and capital gains moving forward if that makes sense as well, Tasmin. Yep. Do you think you just wanna do the the quick swap to the index alternative that doesn't have that manager risk, or would you like to review your portfolio as a whole and see another active alternative?\n\nChannel 1: No. The first one.\n\nChannel 0: Just the the more passive approach there. Obviously,\n\nChannel 1: Yeah.\n\nChannel 0: once we do it, we'll sort of just, like, email that in regards to that. There'll be a document. I can even give you a quick call to run you through it. But, basically, you're in it. The Benelong is an Australian equities fund, so the a 200 is the top 200 companies in Australia.\n\nAnd then what that e exchange traded fund does is it just tracks those top 200 as companies get bigger. They go up in that 200. You hold them as an investment. As they drop down there as well, they'll fall out of that 200 there. So it still is a little bit flexible and dynamic in the sense that you do have those changes.\n\nBut in terms of, like, what is occurring now, they're not trying to pick winners, which takes a little bit of that risk away, and you'll still have a similar sort of allocation to growth assets that you currently have, and you'll be paying a a lower cost in investments as well, if that makes\n\nChannel 1: Yes.\n\nChannel 0: sense.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Do\n\nChannel 1: That's\n\nChannel 0: you have any questions re regarding that at all, Tasman?\n\nChannel 1: good. No. No. Sounds good.\n\nChannel 0: Yep. Obviously, feel free to have a look at the report. There's obviously a few there that are quite negative in regards to that and what hap has happened, you know, overseas, which you can sort of potentially understand given that the current market's there as well.\n\nChannel 1: Disinfected.\n\nChannel 0: We'll look,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, we'll look to change out the. And then at the twelve month market gain, we'll obviously review the portfolio, see how it's traveling, see how those other ones that have had that negative return are traveling.\n\nChannel 1: Yeah.\n\nChannel 0: But currently, you're still making some growth in your super even with a few of those assets being down. There's a few there that have done really well that have propped up your portfolio, which is still good.\n\nChannel 1: No. Cool. Cool.\n\nChannel 0: Yep. In regards to that as well, we will just do a quick review of, like, a rollover attention review in regards to that and that rollover. And then we can probably actually just include that bet along in that advice document because we'll have to put that in an actual SOA for the rollover just given that to review it to make sure that everything's happy days and roll over that amount over that 10,000 if that's still in your best interest as well.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. But do you have any questions in regards to any of that today there, Tasman?\n\nChannel 1: No. No. It's fine.\n\nChannel 0: Do you have any other questions in regards to anything or the, you know, questions you may have or anything you sort of wanna address to this annual review?\n\nChannel 1: No. No. You pretty much addressed. And then and after the main one, whether you're gonna roll over from\n\nChannel 0: Yeah.\n\nChannel 1: the AMT school. Yeah.\n\nChannel 0: Yes. We'll do a review of that one. Obviously, if they decide to turn the feedback on, that'll be in the document as well in regards to the ongoing service agreement. I'll run over that as well with you at the time, and you can make the decision if you're happy or not. If you sort of it did eventually you know, you weren't sort of feel like, you know, you're getting the most out of service for the cost you would be paying as an ongoing client.\n\nThere is the option to just go back to ANZ as well because you do have those insurances there as well. And\n\nChannel 1: Yeah. Yeah. That's that's yeah. Obviously, not the only reason I keep that one was was to keep the insurance health insurance because I wouldn't get that anywhere any other place. So\n\nChannel 0: Yes.\n\nChannel 1: I can't remember who I was talking to at the time. He he his advice was to keep it, and they'll just keep enough money in here to keep it going.\n\nChannel 0: Yeah. So so with that one, just with, like, your preexisting exclusion, but it'd likely be a loading with diabetes and things like that as well. And then given, you know, your age as well, insurances get more expensive as you do get older. And\n\nChannel 1: Yeah.\n\nChannel 0: then,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, with that, it'd come at the added cost as well that you would be sort of paying versus maintaining that group cover. Just as a sort of, you know, this ends up just informing you that, you know, should you not want to, you know, take on the service for the fee because you haven't been paying the fee just based on the the lower balance. If they decide to let you know, based on going over the 50,000 that they would wanna turn it back on, you do have the option just to return to your handset as well and then\n\nChannel 1: Sorry.\n\nChannel 0: just not not be an ongoing client and then just maintain your one account there at ANZ as well. We'll do a review and make sure that your hub twenty four is still performing better than the ANZ to make sure it's still in best interest to be able to maintain the two funds anyway. But\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: okay.\n\nChannel 0: thought I'd just let you know. Yeah.\n\nChannel 1: Yeah. I just thought that the more the more was where where with with you guys, the more I can get in there, the more you can work with. Like I said, the we did did look at closing up the other one just for convenience purposes, but, yeah, that that he couldn't find a a health insurance that that could that could feed it. So he\n\nChannel 0: Was\n\nChannel 1: just\n\nChannel 0: comparable. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: He did.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: So in\n\nChannel 1: I'm\n\nChannel 0: terms\n\nChannel 1: not\n\nChannel 0: of that wait.\n\nChannel 1: yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Yep. No. No. You're good.\n\nChannel 0: Yeah. So as I was saying in terms of well, like, we we're just gonna review it and ensure that in regards to that, it's still, like, in your best interest having the two accounts because\n\nChannel 1: Yeah.\n\nChannel 0: as advisers,\n\nChannel 1: Cool.\n\nChannel 0: you\n\nChannel 1: Cool.\n\nChannel 0: know, we've yeah. We've gotta make sure that, you know, having the two is still in your best interest. You're still making money. Obviously, if it's still working out that it is still in your best interest having the two and you're happy with the fee that's been haven't been ongoing client and it cost you pay for the services as well, happy days, we'd love to sort of still have you.\n\nChannel 1: Yeah.\n\nChannel 0: But but at the end of the day, we wanna make sure that, you know, you're getting the most out of the service if you're paying for it as well. And if you don't feel like you could get that, we have no issue sort of putting you back in in Ainsett and you being able to to maintain that as well. And if it works out that the cost you would be paying versus the returns that have been getting as well, put you in a worse off position, we might look at sort of putting you back as well just to ensure that your your super savings aren't getting eroded as well by fees, if that\n\nChannel 1: Yeah.\n\nChannel 0: makes sense.\n\nChannel 1: Sure.\n\nChannel 0: Yeah. Because we wanna ensure the best outcome for you, Tasmin. If that means\n\nChannel 1: Yeah.\n\nChannel 0: you're not with us as a a a client and just, you know, using lies in\n\nChannel 1: Absolutely.\n\nChannel 0: that industry fund as well. We wanna make sure that, you know, it's that what's best for you is what we want at the end of the day.\n\nChannel 1: Oh, cuckoo.\n\nChannel 0: Not a problem. But we'll do a review of it, make sure, you know, all the figures\n\nChannel 1: Yeah.\n\nChannel 0: match up, and then you get to make a decision once we present that statement and advice there as well, Tasman. So\n\nChannel 1: Yeah.\n\nChannel 0: you'll have\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: Jennifer.\n\nChannel 0: the information in front of you. Yeah. Not a problem. And as far as your spouse, just double checking there as well. She's not a a client with us at the moment?\n\nChannel 1: I think he is. Yeah. Yes.\n\nChannel 0: Oh,\n\nChannel 1: Yes.\n\nChannel 0: she is?\n\nChannel 1: He is. Yeah.\n\nChannel 0: Just double check. Sorry.\n\nChannel 1: He she\n\nChannel 0: Just\n\nChannel 1: he\n\nChannel 0: because of\n\nChannel 1: she find I don't know. She she finds it difficult to in communication.\n\nChannel 0: Okay. Yeah. So because just with the change over there as well, a lot of the links went missing. I was just double checking.\n\nChannel 1: Oh, okay. They they normally give her a ring after they had the phone call with me. They probably probably trying to catch up.\n\nChannel 0: Yeah. It just sort of depends, I think, where the the end of reviews lineup, where it is. But I believe, yeah, she's probably due for hers as well. I think we're just a bit behind the eight ball with all those business changes. We've changed client profiles and everything as well in regards to the the CRMs and stuff we use.\n\nSo it's all over the ship a little bit. We're trying to make a bit more sense of it coming into the the new year and getting through a bit of the backlog. So apologies\n\nChannel 1: Yeah.\n\nChannel 0: there,\n\nChannel 1: I think\n\nChannel 0: but\n\nChannel 1: she I think she might have changed jobs and see when she first started, I think. I'm not a 100% sure. But\n\nChannel 0: okay.\n\nChannel 1: yeah.\n\nChannel 0: In the next coming sort of, you know, weeks or months, as I said, there's a bit of a backlog. We are a bit behind. I think, you know, from a memory, they sort of have reached out to a few people that are due for their interviews, but might not have gotten a hold of them. But I know it's sort of in the coming sort of month, they're really gonna sort of push to get people back on the phone. The good news with that in regards to that, Tasman, is because your partner is on board, it would be a 1.1% fee instead of 1.65, which means you're paying less overall as well, which was yeah.\n\nBecause they do have a coupling fee. And then just curious there as well, Tasman, I know you've been on board for a few years there. Just how have you found the service? Has it been largely good? Have you had a positive experience so far?\n\nChannel 1: You know, I I I generally have it. It's like it goes the other route. There's not a lot of communication. Like, if they all talk to family members or friends and they go, yeah. No.\n\nNo. Mine's the same. And I go, no. You're not the same. They they guys aren't doing nothing.\n\nThey don't contact you. It's it's just sitting there. I think they're government controlled. I'm I'm not too sure. I\n\nChannel 0: Just\n\nChannel 1: said,\n\nChannel 0: the\n\nChannel 1: no.\n\nChannel 0: industry\n\nChannel 1: Just\n\nChannel 0: funds? Or\n\nChannel 1: yeah. Just I think I think you might be yeah. It might be interesting then. So just say no. No.\n\nMine, it's different. They're not the same. And they but little heat not heated, but got a little bit passionate, should I say. They're a bit\n\nChannel 0: Did\n\nChannel 1: no.\n\nChannel 0: it\n\nChannel 1: No.\n\nChannel 0: see\n\nChannel 1: I've\n\nChannel 0: a bit\n\nChannel 1: I've\n\nChannel 0: few\n\nChannel 1: been\n\nChannel 0: debates and things like that?\n\nChannel 1: yeah. Yeah. Yeah. I've I've been with you. You've been no.\n\nIt's not the same. It's different. It's it's it's working for me. I'm I'm much wiser. But yeah.\n\nNo. No. A positive experience that you know, the years.\n\nChannel 0: Yep. I'm glad to hear that, Tasmin. And then, you know, not that you have to or anything like that, but if you ever did wanna leave a Google review, obviously, we're happy to have any sort of feedback you may have on how to sort of improve and how you have found the service. It sort of helps with us to grow there as well. And in conjunction with that as well, if you ever sort of come across someone that is looking for, you know, something a bit more than just the industry fun, you know, even if it's just sort of your children that you wanna refer on.\n\nIf someone was to come on board through your referral as well at the moment, they are running a referral program where if someone comes on board through your good faith, a referral, like you said, speaking with other people and actually do wanna, you know, have a conversation about it, they were to come on board as a client. You actually get a $100 gift card,\n\nChannel 1: Oh,\n\nChannel 0: which is yeah. So if you are having one of those heated debates and someone actually does wanna have one of the free consultations,\n\nChannel 1: cool.\n\nChannel 0: you know, whether it's your children, friends, family, yeah, at the moment, if there's someone to come on board through that referral. So with that, I can sort of send an email if you ever think of anyone as well with that budget planner. If you think of someone that might wanna have a a consultation there just to see, have their superannuation insurance reviewed, sorta have just a discussion about their situation even. We've also got,\n\nChannel 1: Yes.\n\nChannel 0: you know, the mortgage brokers and things like that. A lot of people thinking about houses, so feel free to to send them our way. They don't we don't charge you upfront fee until they go to accept the advice anyway. And if they're just looking for a mortgage broker, we can pass them on to some trusted partners and things like that as well, much like yourself sort of when you're ready. So yeah.\n\nBut with that, is there anyone you can sort of think of that might benefit from the service at the moment there, Tasmin?\n\nChannel 1: I have a talk with my son.\n\nChannel 0: Yeah.\n\nChannel 1: He's making a change at the moment. He's gonna go over the fifth and jump in the mines.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I'm I'm on I might have a chat to him about because he he doesn't have a clue. He he's this this day, they announced a 34 year old, 35 year old, or or a 20 year old.\n\nChannel 0: Yeah.\n\nChannel 1: It's I mean, I I was well grown up. I I was 30 when I was 20. But it's it's 35 year old. These guys are 20 year olds. It's it's I'm not trying to be thinking, but that's that's what\n\nChannel 0: No.\n\nChannel 1: I think.\n\nChannel 0: You you are right. Like, people like, in children did grow up a lot quicker back in the day. And, obviously, you know, when you push for more education to the 18, you're not an adult to your 18 type deal, it does sort of push back at least some form of, like, development of in regards to, like, adulting standards at least anyway. So you're not wrong at all.\n\nChannel 1: Well, it's basically, they they just don't have that worldly experience. Like, I I don't well, to be fair, not everybody had the experiences that I had. Like, I came to Australia when I was 13 as an apprentice jockey, and and that was by myself at the age of 30. There were a little bit of contention over that, but I got I got to learn I learned about the world, and that was at 30 age of 30. I went back at 20.\n\nChannel 0: Yep.\n\nChannel 1: Went back to New Zealand. I had a family and come back nineteen years later. And now I'm on my twentieth year being here in Australia. So, like, it they just don't get that experience. And and I I look at a lot of parents.\n\nThey do everything for them. I mean, anyway,\n\nChannel 0: Yep.\n\nChannel 1: I learned I learned by doing it.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Pulling\n\nChannel 1: then and\n\nChannel 0: up\n\nChannel 1: then\n\nChannel 0: your\n\nChannel 1: pay\n\nChannel 0: boots, right,\n\nChannel 1: pay\n\nChannel 0: and just doing it yourself.\n\nChannel 1: pay my pay my bills or, you know, like, my my mother used to do it week in and week out. Because back days back in that day, it was a lot harder. You had to go and do everything manually. You know, you you had to put\n\nChannel 0: Yep.\n\nChannel 1: aside put aside the the day to go and pay all the bills. And and but also back that day, there wasn't a lot of money. I suppose it's not a little bit like that way here too, but that but\n\nChannel 0: Yeah.\n\nChannel 1: that's because your income is lower than the the what do you call it? Inflation?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. Yeah. It's lower than, like, everything's going up, but except for wages.\n\nChannel 0: Yeah. You're not wrong at all. Ben, it doesn't. The cost of living is getting a bit out of hand at the moment. But\n\nChannel 1: Yeah. But he he's not he's not even he's got he he wouldn't have a clue. So I'm\n\nChannel 0: yeah.\n\nChannel 1: gonna could talk to him because this is a free start for\n\nChannel 0: Yep.\n\nChannel 1: him. And I've been in the mines. Obviously, I'm expecting he'll get a flow of funds, and he can be a miser, which is a good thing about him. But yeah. But I I want him to be able to do something with it while he's in the and\n\nChannel 0: Yeah.\n\nChannel 1: and and have his money looked after.\n\nChannel 0: Exactly right. And at the end of the day, a conversation never hurts either. Even if he is dead set against it, if he has the conversation, he has the chance to at least have a discussion, maybe expand his knowledge a tiny bit. And if he decides not to come on board, that's his decision at the end of the day. But at least he's got a little bit he can go away with and know a little bit more at the end of the day as well that hasn't cost him anything.\n\nChannel 1: 100%.\n\nChannel 0: Not a problem there, Tasmin. But do you have any other questions for me at the moment while you've got me there?\n\nChannel 1: Oh, no. No. And the good thing about it is I'm not afraid to ring up nowadays.\n\nChannel 0: Exactly. Yeah. You know the the number there as well. Feel free to reach out whenever you have a chance to have a conversation.\n\nChannel 1: Exactly.\n\nChannel 0: Not a problem at all, Tasman. Well, after this call, I might not get to it straight after this phone call there, but I'll send you off the email just with that information, the budget planner, and you can respond to that if every like, you find someone that does wanna have a conversation. Or if you just let them know when they're calling up by themselves, just make sure to let them know that, you know, Tasman sent them, and then you might get a little bit of something out of it if they do come on board as a client.\n\nChannel 1: Yeah. Sure. Sure.\n\nChannel 0: Not a problem at all. Well, you enjoy the rest of your day, Tasman. Thanks for your time. You can finally rest after your your long day there and kick your\n\nChannel 1: Yeah.\n\nChannel 0: feet\n\nChannel 1: Thank\n\nChannel 0: up.\n\nChannel 1: you. Yeah. Thank you.\n\nChannel 0: No problem, mate. Well, thanks for your time. You enjoy the rest of your hour.\n\nChannel 1: Yeah. Good evening. Alright, man.\n\nChannel 0: Cheers. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":-0.022954102605581284}],"sentiment":"neutral","sentiment_score":-0.022954102605581284,"channel":1,"num_words":1,"start":3.1999998,"end":3.6999998},{"sentences":[{"text":"It doesn't yeah.","start":4.64,"end":5.3599997,"sentiment":"neutral","sentiment_score":-0.25472891330718994},{"text":"It just cut out there.","start":5.3599997,"end":6.66,"sentiment":"negative","sentiment_score":-0.35529354512691497}],"sentiment":"neutral","sentiment_score":-0.3175818081945181,"channel":0,"num_words":8,"start":4.64,"end":6.66},{"sentences":[{"text":"No.","start":7.12,"end":7.44,"sentiment":"negative","sentiment_score":-0.35637176036834717},{"text":"It's still trying to change over and I yeah.","start":7.44,"end":10.88,"sentiment":"negative","sentiment_score":-0.372708840502633},{"text":"It's still wrong.","start":10.88,"end":11.599999,"sentiment":"negative","sentiment_score":-0.37691742181777954},{"text":"One second.","start":11.599999,"end":12.315,"sentiment":"neutral","sentiment_score":-0.1382022649049759}],"sentiment":"negative","sentiment_score":-0.3411938746770223,"channel":1,"num_words":15,"start":7.12,"end":12.315},{"sentences":[{"text":"No.","start":12.895,"end":13.055,"sentiment":"neutral","sentiment_score":-0.15410016477108002},{"text":"That's that's perfectly fine.","start":13.055,"end":14.495001,"sentiment":"neutral","sentiment_score":0.16562386478472035},{"text":"Just because it is a new call there, unfortunately, I do have to pass through that security again there, Tasman, with that name, date of birth, and current address.","start":14.495001,"end":19.455,"sentiment":"neutral","sentiment_score":-0.1332133986569684},{"text":"We can get stuck back into that.","start":19.455,"end":20.915,"sentiment":"neutral","sentiment_score":-0.06758054771593638}],"sentiment":"neutral","sentiment_score":-0.09336236830965457,"channel":0,"num_words":41,"start":12.895,"end":20.915},{"sentences":[{"text":"Assistant.","start":21.515,"end":22.015,"sentiment":"neutral","sentiment_score":-0.007352611050009728},{"text":"Picking up the 969.","start":24.074999,"end":26.255,"sentiment":"neutral","sentiment_score":-0.011967586353421211},{"text":"I'm going to be wrong place, Kristen.","start":27.96,"end":30.619999,"sentiment":"neutral","sentiment_score":-0.06808515105928693}],"sentiment":"neutral","sentiment_score":-0.044318251156558595,"channel":1,"num_words":12,"start":21.515,"end":30.619999},{"sentences":[{"text":"Perfect.","start":31.39,"end":31.87,"sentiment":"positive","sentiment_score":0.5575572848320007},{"text":"Perfect.","start":31.87,"end":32.35,"sentiment":"positive","sentiment_score":0.6627767086029053},{"text":"Thank you.","start":32.35,"end":33.17,"sentiment":"positive","sentiment_score":0.6684769690036774},{"text":"Now I know we're just sort of chatting just about, yeah, assets, liabilities.","start":34.83,"end":39.964996,"sentiment":"neutral","sentiment_score":0.05542500761265938},{"text":"Is there anything else that you sort of haven't mentioned or you haven't mentioned that you've got in regards to assets, liabilities, any loans, things like that?","start":39.964996,"end":46.704998,"sentiment":"neutral","sentiment_score":-0.003052732941729051}],"sentiment":"neutral","sentiment_score":0.07262248274954883,"channel":0,"num_words":44,"start":31.39,"end":46.704998},{"sentences":[{"text":"Not not everything, like, yeah, but you got it.","start":47.475,"end":50.995,"sentiment":"neutral","sentiment_score":-0.10958784735865063},{"text":"It's printing in the car.","start":50.995,"end":52.775,"sentiment":"neutral","sentiment_score":-0.03578294664621353}],"sentiment":"neutral","sentiment_score":-0.08322895424706596,"channel":1,"num_words":14,"start":47.475,"end":52.775},{"sentences":[{"text":"Yep.","start":53.420002,"end":53.920002,"sentiment":"neutral","sentiment_score":0.060908280313014984},{"text":"Alright.","start":53.980003,"end":54.480003,"sentiment":"neutral","sentiment_score":0.09059590101242064},{"text":"And then as far as your health, in the last twelve months since you last spoke to us there, you're still currently a nonsmoker?","start":55.74,"end":62.305,"sentiment":"neutral","sentiment_score":0.014822490435714522}],"sentiment":"neutral","sentiment_score":0.019509382760868624,"channel":0,"num_words":26,"start":53.420002,"end":62.305},{"sentences":[{"text":"Yeah.","start":63.6,"end":63.84,"sentiment":"neutral","sentiment_score":0.012856045737862589},{"text":"Yeah.","start":63.84,"end":64.16,"sentiment":"neutral","sentiment_score":-0.0006834380328655243},{"text":"No.","start":64.16,"end":64.24,"sentiment":"neutral","sentiment_score":-0.11295418441295624},{"text":"It's like a I think if you can drink.","start":64.24,"end":67.06,"sentiment":"neutral","sentiment_score":-0.08429156161016887}],"sentiment":"neutral","sentiment_score":-0.07161713593328993,"channel":1,"num_words":12,"start":63.6,"end":67.06},{"sentences":[{"text":"Yeah.","start":69.244995,"end":69.645,"sentiment":"neutral","sentiment_score":0.017654886469244957},{"text":"And then as far as, like, your medication, you're still taking the medication for for diabetes at the moment?","start":69.645,"end":74.91,"sentiment":"neutral","sentiment_score":-0.00949861834708013}],"sentiment":"neutral","sentiment_score":-0.008140943106263876,"channel":0,"num_words":20,"start":69.244995,"end":74.91},{"sentences":[{"text":"Yes.","start":74.945,"end":75.345,"sentiment":"neutral","sentiment_score":0.053319331258535385},{"text":"That's that's","start":75.345,"end":76.465004,"sentiment":"neutral","sentiment_score":0.07266570255160332}],"sentiment":"neutral","sentiment_score":0.06621691212058067,"channel":1,"num_words":3,"start":74.945,"end":76.465004},{"sentences":[{"text":"Yep.","start":76.350006,"end":76.75,"sentiment":"neutral","sentiment_score":0.09834980964660645}],"sentiment":"neutral","sentiment_score":0.09834980964660645,"channel":0,"num_words":1,"start":76.350006,"end":76.75},{"sentences":[{"text":"correct.","start":76.465004,"end":76.965004,"sentiment":"neutral","sentiment_score":0.0977257788181305}],"sentiment":"neutral","sentiment_score":0.0977257788181305,"channel":1,"num_words":1,"start":76.465004,"end":76.965004},{"sentences":[{"text":"Is is there any other medications that you're taking at the moment?","start":76.75,"end":79.65,"sentiment":"neutral","sentiment_score":0.007849006447941065}],"sentiment":"neutral","sentiment_score":0.007849006447941065,"channel":0,"num_words":12,"start":76.75,"end":79.65},{"sentences":[{"text":"That's all.","start":81.985,"end":82.805,"sentiment":"neutral","sentiment_score":-0.01625829190015793},{"text":"Is it arthritis as well?","start":82.94,"end":84.62,"sentiment":"neutral","sentiment_score":-0.02089196480810642},{"text":"So","start":84.62,"end":84.78,"sentiment":"neutral","sentiment_score":0.021418295800685883}],"sentiment":"neutral","sentiment_score":-0.01444476400502026,"channel":1,"num_words":8,"start":81.985,"end":84.78},{"sentences":[{"text":"Yep.","start":86.990005,"end":87.465,"sentiment":"neutral","sentiment_score":0.030497487634420395},{"text":"And then as far as a will, have you managed around to getting a will sort in the last twelve 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details","start":97.784996,"end":100.024994,"sentiment":"neutral","sentiment_score":0.01121176179084513}],"sentiment":"neutral","sentiment_score":0.01121176179084513,"channel":0,"num_words":9,"start":97.784996,"end":100.024994},{"sentences":[{"text":"should","start":99.725,"end":100.225,"sentiment":"neutral","sentiment_score":0.005733996629714966}],"sentiment":"neutral","sentiment_score":0.005733996629714966,"channel":1,"num_words":1,"start":99.725,"end":100.225},{"sentences":[{"text":"just in regards to, like, a local solicitor","start":100.024994,"end":101.74,"sentiment":"neutral","sentiment_score":0.009685918688774109}],"sentiment":"neutral","sentiment_score":0.009685918688774109,"channel":0,"num_words":8,"start":100.024994,"end":101.74},{"sentences":[{"text":"be.","start":101.405,"end":101.905,"sentiment":"neutral","sentiment_score":0.007565701380372047}],"sentiment":"neutral","sentiment_score":0.007565701380372047,"channel":1,"num_words":1,"start":101.405,"end":101.905},{"sentences":[{"text":"here and their general pricing just to give you an idea.","start":101.74,"end":104.06,"sentiment":"neutral","sentiment_score":0.0429607785560868},{"text":"Do you have a read through about a bit more about, like, wills and estates and things like that and what","start":104.06,"end":107.979996,"sentiment":"neutral","sentiment_score":0.010638039204336348}],"sentiment":"neutral","sentiment_score":0.021748980856500566,"channel":0,"num_words":32,"start":101.74,"end":107.979996},{"sentences":[{"text":"Yeah.","start":107.884995,"end":108.18,"sentiment":"neutral","sentiment_score":0.03309803456068039}],"sentiment":"neutral","sentiment_score":0.03309803456068039,"channel":1,"num_words":1,"start":107.884995,"end":108.18},{"sentences":[{"text":"it might be?","start":107.979996,"end":108.7,"sentiment":"neutral","sentiment_score":0.03762630932033062},{"text":"Yeah.","start":108.7,"end":109.2,"sentiment":"neutral","sentiment_score":0.23639866709709167}],"sentiment":"neutral","sentiment_score":0.08731939876452088,"channel":0,"num_words":4,"start":107.979996,"end":109.2},{"sentences":[{"text":"That'll be good.","start":109.86,"end":110.84,"sentiment":"positive","sentiment_score":0.5481866200764974}],"sentiment":"positive","sentiment_score":0.5481866200764974,"channel":1,"num_words":3,"start":109.86,"end":110.84},{"sentences":[{"text":"Perfect.","start":111.979996,"end":112.479996,"sentiment":"neutral","sentiment_score":-0.03260783851146698},{"text":"And then in regards to goals that you're working towards at the moment there, Tasman, is there I know you wanted to go to a holiday to Thailand, and then you've got your retirement sort of goals in mind of, like, what you're trying to save towards there.","start":115.454994,"end":130.0,"sentiment":"neutral","sentiment_score":0.23734739609062672},{"text":"But is there anything else that you're trying to achieve in the the short term, maybe set part pay down the the car loan 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there, Tasman, have you ever invested in direct shares previously, or is it just like what you've done through Oakview?","start":379.885,"end":387.90503,"sentiment":"neutral","sentiment_score":0.0988225624538385},{"text":"Investing direct shares like any other investments apart from like your superannuation?","start":391.22,"end":394.84,"sentiment":"neutral","sentiment_score":0.07855378681172927},{"text":"Yep.","start":397.94,"end":398.44,"sentiment":"neutral","sentiment_score":0.09962143748998642}],"sentiment":"neutral","sentiment_score":0.1141886884664617,"channel":0,"num_words":41,"start":378.20502,"end":398.44},{"sentences":[{"text":"And within regards to like retire, I know you sort of as a rough sort of things, reckon you'll be sort of still working to that age 67, especially if you're sort of looking at property and things like that as well.","start":398.5,"end":411.95502,"sentiment":"neutral","sentiment_score":0.044986430644279436},{"text":"Is that sort of still the case working to that time frame?","start":412.095,"end":415.075,"sentiment":"neutral","sentiment_score":0.05726098641753197}],"sentiment":"neutral","sentiment_score":0.04771410970500222,"channel":0,"num_words":54,"start":398.5,"end":415.075},{"sentences":[{"text":"Yes.","start":416.55,"end":416.805,"sentiment":"neutral","sentiment_score":0.1255050003528595}],"sentiment":"neutral","sentiment_score":0.1255050003528595,"channel":1,"num_words":1,"start":416.55,"end":416.805},{"sentences":[{"text":"Yep.","start":418.35,"end":418.85,"sentiment":"neutral","sentiment_score":0.12098511308431624},{"text":"And then with inflation, obviously, you know, the cost of living isn't getting any cheaper.","start":419.31,"end":422.50998,"sentiment":"neutral","sentiment_score":-0.03305218691627185},{"text":"You probably feel that a little bit.","start":422.50998,"end":424.11,"sentiment":"neutral","sentiment_score":-0.07469624068055834},{"text":"Are you still yeah.","start":424.11,"end":426.11,"sentiment":"neutral","sentiment_score":0.043563151732087135},{"text":"Are you still willing to, like, accept sort of moderate or high amount of risk to try and outpace inflation with your superannuation?","start":426.11,"end":431.965,"sentiment":"neutral","sentiment_score":0.0024274488830048103}],"sentiment":"neutral","sentiment_score":-0.013351748883724212,"channel":0,"num_words":50,"start":418.35,"end":431.965},{"sentences":[{"text":"I know, you know, being that you came from New Zealand, it's not the the highest balance there.","start":432.105,"end":437.14502,"sentiment":"neutral","sentiment_score":-0.13638628895084062},{"text":"And do you still have a Kiwi saver there, Tasman?","start":437.14502,"end":440.045,"sentiment":"neutral","sentiment_score":-0.022912973910570143}],"sentiment":"neutral","sentiment_score":-0.09586010500788689,"channel":0,"num_words":28,"start":432.105,"end":440.045},{"sentences":[{"text":"No.","start":440.47,"end":440.62997,"sentiment":"neutral","sentiment_score":-0.14158377051353457},{"text":"I but have that when I come here, it's been nineteen years now.","start":440.62997,"end":444.845,"sentiment":"neutral","sentiment_score":-0.15107785853055808},{"text":"Uh-huh.","start":445.305,"end":445.705,"sentiment":"neutral","sentiment_score":-0.026317263022065163}],"sentiment":"neutral","sentiment_score":-0.14212754629552365,"channel":1,"num_words":15,"start":440.47,"end":445.705},{"sentences":[{"text":"Okay.","start":445.31998,"end":445.81998,"sentiment":"neutral","sentiment_score":-0.007218966260552406}],"sentiment":"neutral","sentiment_score":-0.007218966260552406,"channel":0,"num_words":1,"start":445.31998,"end":445.81998},{"sentences":[{"text":"Been talking yet, but they didn't have a KiwiSaver when I was there.","start":445.705,"end":449.16498,"sentiment":"neutral","sentiment_score":-0.06747918461377804}],"sentiment":"neutral","sentiment_score":-0.06747918461377804,"channel":1,"num_words":13,"start":445.705,"end":449.16498},{"sentences":[{"text":"Back then.","start":449.56,"end":450.28,"sentiment":"neutral","sentiment_score":-0.019551158882677555},{"text":"Yeah.","start":450.28,"end":450.78,"sentiment":"neutral","sentiment_score":-0.012462686747312546}],"sentiment":"neutral","sentiment_score":-0.017188334837555885,"channel":0,"num_words":3,"start":449.56,"end":450.78},{"sentences":[{"text":"No.","start":450.905,"end":451.145,"sentiment":"neutral","sentiment_score":-0.08441001921892166},{"text":"No.","start":451.145,"end":451.38498,"sentiment":"neutral","sentiment_score":-0.09928692877292632},{"text":"Yeah.","start":451.38498,"end":451.705,"sentiment":"neutral","sentiment_score":-0.04974284768104553},{"text":"I just I was just paying good bank, and I've always been a good bank.","start":451.705,"end":454.925,"sentiment":"neutral","sentiment_score":0.06195211410522461},{"text":"Not sure where is the greatest one, but, yeah, with the","start":455.62003,"end":458.68002,"sentiment":"neutral","sentiment_score":-0.058815747160803185}],"sentiment":"neutral","sentiment_score":0.0016851274874703638,"channel":1,"num_words":29,"start":450.905,"end":458.68002},{"sentences":[{"text":"Yep.","start":458.61502,"end":459.11502,"sentiment":"neutral","sentiment_score":0.01846020296216011}],"sentiment":"neutral","sentiment_score":0.01846020296216011,"channel":0,"num_words":1,"start":458.61502,"end":459.11502},{"sentences":[{"text":"speaking of bank, I I I used to to take money out of it.","start":460.5,"end":464.82,"sentiment":"neutral","sentiment_score":-0.025758632059608186},{"text":"I think it's at nearly 20,000 in the other.","start":464.82,"end":468.825,"sentiment":"neutral","sentiment_score":-0.0013325642794370651}],"sentiment":"neutral","sentiment_score":-0.01620060553693253,"channel":1,"num_words":23,"start":460.5,"end":468.825},{"sentences":[{"text":"Yeah.","start":469.66998,"end":469.83,"sentiment":"neutral","sentiment_score":0.08685095608234406},{"text":"So that's part of, like, obviously, the the review here as well.","start":469.83,"end":472.87,"sentiment":"neutral","sentiment_score":0.12750924564898014},{"text":"Just to I believe the last time I checked when the the tenth of the third day was when the last time they called, it was around 19,600 sitting in that one.","start":472.87,"end":483.505,"sentiment":"neutral","sentiment_score":0.040438117808662355},{"text":"So as a part of that, we can review your your investments in that rollover strategies.","start":483.885,"end":488.525,"sentiment":"neutral","sentiment_score":0.15325166517868638},{"text":"You got around 52 in your your hub twenty four there as well.","start":488.525,"end":492.465,"sentiment":"neutral","sentiment_score":0.0987932699231001}],"sentiment":"neutral","sentiment_score":0.08982865980549438,"channel":0,"num_words":74,"start":469.66998,"end":492.465},{"sentences":[{"text":"Yes.","start":492.96002,"end":493.46002,"sentiment":"neutral","sentiment_score":0.09854071587324142}],"sentiment":"neutral","sentiment_score":0.09854071587324142,"channel":1,"num_words":1,"start":492.96002,"end":493.46002},{"sentences":[{"text":"Yep.","start":494.46002,"end":494.96002,"sentiment":"neutral","sentiment_score":-0.03561661019921303},{"text":"And so to go back to that question, it has been a did you consider yourself a bit of a moderate risk taker there or a bit higher depending on that with, like, trying to get the most out of your 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know, the wars and things like that, would you,","start":520.09,"end":529.47003,"sentiment":"neutral","sentiment_score":-0.10926168435850205}],"sentiment":"neutral","sentiment_score":-0.10638879579491914,"channel":0,"num_words":40,"start":518.65,"end":529.47003},{"sentences":[{"text":"Yes.","start":529.01495,"end":529.51495,"sentiment":"neutral","sentiment_score":0.04723047465085983}],"sentiment":"neutral","sentiment_score":0.04723047465085983,"channel":1,"num_words":1,"start":529.01495,"end":529.51495},{"sentences":[{"text":"like, wanna sorta shift your investments to be a bit more defensive?","start":529.53,"end":532.28503,"sentiment":"neutral","sentiment_score":0.05329292081296444},{"text":"Would you just hold and wait it out for the the longer term given that you don't sort of plan on retiring soon or maybe sort of, you know, think of alternative options?","start":532.28503,"end":540.945,"sentiment":"neutral","sentiment_score":-0.06208021814624468}],"sentiment":"neutral","sentiment_score":-0.03131404775712225,"channel":0,"num_words":45,"start":529.53,"end":540.945},{"sentences":[{"text":"That's a great question.","start":544.06,"end":545.04,"sentiment":"neutral","sentiment_score":0.1673750001937151},{"text":"I guess I guess it's probably what's happening overseas.","start":545.1,"end":552.72504,"sentiment":"neutral","sentiment_score":-0.12209769586722057},{"text":"It's making it a lot more risky than than normal.","start":553.265,"end":557.04504,"sentiment":"neutral","sentiment_score":-0.3195839747786522},{"text":"So I think more","start":559.025,"end":560.965,"sentiment":"neutral","sentiment_score":-0.03865384683012962}],"sentiment":"neutral","sentiment_score":-0.13999386656063575,"channel":1,"num_words":27,"start":544.06,"end":560.965},{"sentences":[{"text":"Yeah.","start":561.995,"end":562.495,"sentiment":"neutral","sentiment_score":-0.013154236599802973}],"sentiment":"neutral","sentiment_score":-0.013154236599802973,"channel":0,"num_words":1,"start":561.995,"end":562.495},{"sentences":[{"text":"what's meant mean more courses, I guess.","start":562.22504,"end":564.6,"sentiment":"neutral","sentiment_score":-0.0194639866905553}],"sentiment":"neutral","sentiment_score":-0.0194639866905553,"channel":1,"num_words":7,"start":562.22504,"end":564.6},{"sentences":[{"text":"Yeah.","start":566.315,"end":566.63495,"sentiment":"neutral","sentiment_score":0.017222104594111443},{"text":"Sort of that you would just kind of like hold and wait it out.","start":566.63495,"end":569.62,"sentiment":"neutral","sentiment_score":-0.01758620941213199},{"text":"You wouldn't sort of go trying to sell anything down to cash and things like that?","start":569.62,"end":573.48,"sentiment":"neutral","sentiment_score":-0.05587246536742896}],"sentiment":"neutral","sentiment_score":-0.036224008808212894,"channel":0,"num_words":31,"start":566.315,"end":573.48},{"sentences":[{"text":"Yeah.","start":574.51996,"end":574.92,"sentiment":"neutral","sentiment_score":-0.010592160746455193},{"text":"No.","start":574.92,"end":575.42,"sentiment":"neutral","sentiment_score":-0.08003255724906921},{"text":"I'm I probably just stay with 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mode just in the meantime because it's it's pretty volatile.","start":580.695,"end":587.115,"sentiment":"neutral","sentiment_score":-0.0686578166205436},{"text":"You don't know what the hell is going on.","start":587.255,"end":588.96,"sentiment":"neutral","sentiment_score":-0.23249916897879708}],"sentiment":"neutral","sentiment_score":-0.12764070346951484,"channel":1,"num_words":25,"start":580.695,"end":588.96},{"sentences":[{"text":"And then during events like COVID where Super did take a bit of a dive, did that make you a little bit concerned or cautious about what was going on in your superannuation investments?","start":591.155,"end":600.56,"sentiment":"neutral","sentiment_score":-0.16529013490413919}],"sentiment":"neutral","sentiment_score":-0.16529013490413919,"channel":0,"num_words":34,"start":591.155,"end":600.56},{"sentences":[{"text":"Not not a concern.","start":601.52,"end":603.385,"sentiment":"neutral","sentiment_score":-0.0780219417065382},{"text":"More 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concerned.","start":621.78,"end":622.92,"sentiment":"neutral","sentiment_score":-0.11760535649955273},{"text":"Maybe cautious, I guess.","start":623.06,"end":624.6,"sentiment":"neutral","sentiment_score":-0.12461487017571926}],"sentiment":"neutral","sentiment_score":-0.1209465323223008,"channel":1,"num_words":9,"start":621.14,"end":624.6},{"sentences":[{"text":"Yep.","start":624.97003,"end":625.47003,"sentiment":"neutral","sentiment_score":-0.0029717287980020046},{"text":"And with that, obviously, you know, wars create, you know, quite volatile environments.","start":625.77,"end":630.51,"sentiment":"neutral","sentiment_score":-0.1959637523843692},{"text":"But in terms of, like, long term effects, generally, you know, it is a little bit more short lived than, like, pandemics and, like, terrorist attacks, those sort of things.","start":630.57,"end":639.195,"sentiment":"neutral","sentiment_score":-0.1790760355691115},{"text":"They do tend to, after, you know, a period of time, once the the dust has settled, as per se, they do sort of recover quite quickly still as well.","start":639.195,"end":648.655,"sentiment":"neutral","sentiment_score":-0.03480261725684007},{"text":"And that does bring you out still to a growth investor, which is what we've currently got you invested in.","start":648.77,"end":652.85,"sentiment":"neutral","sentiment_score":0.25100972279906275}],"sentiment":"neutral","sentiment_score":-0.041985804665873344,"channel":0,"num_words":94,"start":624.97003,"end":652.85},{"sentences":[{"text":"So 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where we store your tax file number on file.","start":694.215,"end":698.055,"sentiment":"neutral","sentiment_score":0.0363393598753545},{"text":"We've just updated that form where","start":698.055,"end":700.135,"sentiment":"neutral","sentiment_score":0.06754215061664581}],"sentiment":"neutral","sentiment_score":0.04414005756067733,"channel":0,"num_words":24,"start":694.215,"end":700.135},{"sentences":[{"text":"Yep.","start":700.0,"end":700.5,"sentiment":"neutral","sentiment_score":0.0435643307864666}],"sentiment":"neutral","sentiment_score":0.0435643307864666,"channel":1,"num_words":1,"start":700.0,"end":700.5},{"sentences":[{"text":"it was previously.","start":700.135,"end":700.855,"sentiment":"neutral","sentiment_score":0.02888937791188558},{"text":"It would just be redacted off that one.","start":700.855,"end":704.05,"sentiment":"neutral","sentiment_score":0.005176716251298785},{"text":"Now in regards to the updates, there were a few business 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yeah.","start":1679.61,"end":1682.35,"sentiment":"neutral","sentiment_score":0.04342519864439964},{"text":"But I I want him to be able to do something with it while he's in the and","start":1682.57,"end":1687.05,"sentiment":"neutral","sentiment_score":0.2870498937037256}],"sentiment":"neutral","sentiment_score":0.0593814453376191,"channel":1,"num_words":49,"start":1669.025,"end":1687.05},{"sentences":[{"text":"Yeah.","start":1686.88,"end":1687.38,"sentiment":"neutral","sentiment_score":0.1432129293680191}],"sentiment":"neutral","sentiment_score":0.1432129293680191,"channel":0,"num_words":1,"start":1686.88,"end":1687.38},{"sentences":[{"text":"and and have his money looked after.","start":1687.05,"end":1689.195,"sentiment":"neutral","sentiment_score":0.2749126808983939}],"sentiment":"neutral","sentiment_score":0.2749126808983939,"channel":1,"num_words":7,"start":1687.05,"end":1689.195},{"sentences":[{"text":"Exactly right.","start":1689.84,"end":1690.64,"sentiment":"positive","sentiment_score":0.39221277832984924},{"text":"And at the end of the day, a conversation never hurts either.","start":1690.64,"end":1693.6799,"sentiment":"positive","sentiment_score":0.40483545263608295},{"text":"Even if he is dead set against it, if he has the conversation, he has the chance to at least have a discussion, maybe expand his knowledge a tiny bit.","start":1693.6799,"end":1700.345,"sentiment":"neutral","sentiment_score":0.27311300560832025},{"text":"And if he decides not to come on board, that's his decision at the end of the day.","start":1700.345,"end":1703.7849,"sentiment":"neutral","sentiment_score":0.17542584074868095},{"text":"But at least he's got a little bit he can go away with and know a little bit more at the end of the day as well that hasn't cost him anything.","start":1703.7849,"end":1709.085,"sentiment":"positive","sentiment_score":0.4606885500252247}],"sentiment":"positive","sentiment_score":0.33761212649814626,"channel":0,"num_words":94,"start":1689.84,"end":1709.085},{"sentences":[{"text":"100%.","start":1709.69,"end":1710.51,"sentiment":"neutral","sentiment_score":0.2820770740509033}],"sentiment":"neutral","sentiment_score":0.2820770740509033,"channel":1,"num_words":1,"start":1709.69,"end":1710.51},{"sentences":[{"text":"Not a problem there, Tasmin.","start":1712.2799,"end":1713.6599,"sentiment":"positive","sentiment_score":0.37171093821525575},{"text":"But do you have any other questions for me at the moment while you've got me there?","start":1713.72,"end":1716.86,"sentiment":"neutral","sentiment_score":0.12716642679537044}],"sentiment":"neutral","sentiment_score":0.18274472484534438,"channel":0,"num_words":22,"start":1712.2799,"end":1716.86},{"sentences":[{"text":"Oh, no.","start":1717.865,"end":1718.345,"sentiment":"neutral","sentiment_score":0.039943261072039604},{"text":"No.","start":1718.345,"end":1718.845,"sentiment":"neutral","sentiment_score":0.026712197810411453},{"text":"And the good thing about it is I'm not afraid to ring up nowadays.","start":1719.145,"end":1722.285,"sentiment":"positive","sentiment_score":0.4281903494681631}],"sentiment":"positive","sentiment_score":0.3588978595593396,"channel":1,"num_words":17,"start":1717.865,"end":1722.285},{"sentences":[{"text":"Exactly.","start":1723.735,"end":1724.215,"sentiment":"positive","sentiment_score":0.3486700654029846},{"text":"Yeah.","start":1724.215,"end":1724.5349,"sentiment":"neutral","sentiment_score":0.2854427695274353},{"text":"You know the the number there as well.","start":1724.5349,"end":1726.0549,"sentiment":"neutral","sentiment_score":0.27386074885725975},{"text":"Feel free to reach out whenever you have a chance to have a conversation.","start":1726.0549,"end":1729.595,"sentiment":"neutral","sentiment_score":0.31652254930564333}],"sentiment":"neutral","sentiment_score":0.30234643816947937,"channel":0,"num_words":24,"start":1723.735,"end":1729.595},{"sentences":[{"text":"Exactly.","start":1730.64,"end":1731.14,"sentiment":"neutral","sentiment_score":0.21839860081672668}],"sentiment":"neutral","sentiment_score":0.21839860081672668,"channel":1,"num_words":1,"start":1730.64,"end":1731.14},{"sentences":[{"text":"Not a problem at all, Tasman.","start":1731.975,"end":1733.255,"sentiment":"neutral","sentiment_score":0.2953905214866002},{"text":"Well, after this call, I might not get to it straight after this phone call there, but I'll send you off the email just with that information, the budget planner, and you can respond to that if every like, you find someone that does wanna have a conversation.","start":1733.255,"end":1744.3099,"sentiment":"neutral","sentiment_score":0.1645824562292546},{"text":"Or if you just let them know when they're calling up by themselves, just make sure to let them know that, you know, Tasman sent them, and then you might get a little bit of something out of it if they do come on board as a client.","start":1744.85,"end":1754.335,"sentiment":"neutral","sentiment_score":0.26717902285357314}],"sentiment":"neutral","sentiment_score":0.22055778553818955,"channel":0,"num_words":102,"start":1731.975,"end":1754.335},{"sentences":[{"text":"Yeah.","start":1754.855,"end":1755.0951,"sentiment":"neutral","sentiment_score":0.1978328824043274},{"text":"Sure.","start":1755.0951,"end":1755.495,"sentiment":"neutral","sentiment_score":0.2362721711397171},{"text":"Sure.","start":1755.495,"end":1755.96,"sentiment":"neutral","sentiment_score":0.29284346103668213}],"sentiment":"neutral","sentiment_score":0.24231617152690887,"channel":1,"num_words":3,"start":1754.855,"end":1755.96},{"sentences":[{"text":"Not a problem at all.","start":1756.395,"end":1757.275,"sentiment":"positive","sentiment_score":0.5148406684398651},{"text":"Well, you enjoy the rest of your day, Tasman.","start":1757.275,"end":1758.635,"sentiment":"positive","sentiment_score":0.7602240774366591},{"text":"Thanks for your time.","start":1758.635,"end":1759.615,"sentiment":"positive","sentiment_score":0.7785807847976685},{"text":"You can finally rest after your your long day there and kick your","start":1759.6749,"end":1762.955,"sentiment":"positive","sentiment_score":0.6067270636558533}],"sentiment":"positive","sentiment_score":0.6586450001885814,"channel":0,"num_words":31,"start":1756.395,"end":1762.955},{"sentences":[{"text":"Yeah.","start":1762.9199,"end":1763.08,"sentiment":"neutral","sentiment_score":0.2027503401041031}],"sentiment":"neutral","sentiment_score":0.2027503401041031,"channel":1,"num_words":1,"start":1762.9199,"end":1763.08},{"sentences":[{"text":"feet","start":1762.955,"end":1763.195,"sentiment":"neutral","sentiment_score":0.2756921947002411}],"sentiment":"neutral","sentiment_score":0.2756921947002411,"channel":0,"num_words":1,"start":1762.955,"end":1763.195},{"sentences":[{"text":"Thank","start":1763.08,"end":1763.3999,"sentiment":"positive","sentiment_score":0.5726880431175232}],"sentiment":"positive","sentiment_score":0.5726880431175232,"channel":1,"num_words":1,"start":1763.08,"end":1763.3999},{"sentences":[{"text":"up.","start":1763.195,"end":1763.695,"sentiment":"positive","sentiment_score":0.582536518573761}],"sentiment":"positive","sentiment_score":0.582536518573761,"channel":0,"num_words":1,"start":1763.195,"end":1763.695},{"sentences":[{"text":"you.","start":1763.3999,"end":1763.8999,"sentiment":"positive","sentiment_score":0.4270794689655304},{"text":"Yeah.","start":1763.96,"end":1764.2799,"sentiment":"positive","sentiment_score":0.4316321015357971},{"text":"Thank you.","start":1764.2799,"end":1765.02,"sentiment":"positive","sentiment_score":0.6347934007644653}],"sentiment":"positive","sentiment_score":0.5320745930075645,"channel":1,"num_words":4,"start":1763.3999,"end":1765.02},{"sentences":[{"text":"No problem, mate.","start":1765.689,"end":1766.3289,"sentiment":"positive","sentiment_score":0.5650197466214498},{"text":"Well, thanks for your time.","start":1766.3289,"end":1767.289,"sentiment":"positive","sentiment_score":0.7501755595207215},{"text":"You enjoy the rest of your hour.","start":1767.289,"end":1768.5889,"sentiment":"positive","sentiment_score":0.754195579460689}],"sentiment":"positive","sentiment_score":0.7150204062461853,"channel":0,"num_words":15,"start":1765.689,"end":1768.5889},{"sentences":[{"text":"Yeah.","start":1768.6799,"end":1769.0,"sentiment":"positive","sentiment_score":0.44423556327819824},{"text":"Good evening.","start":1769.0,"end":1769.5889,"sentiment":"positive","sentiment_score":0.5672955811023712},{"text":"Alright, man.","start":1769.7489,"end":1770.4088,"sentiment":"positive","sentiment_score":0.5551759898662567}],"sentiment":"positive","sentiment_score":0.5378357410430908,"channel":1,"num_words":5,"start":1768.6799,"end":1770.4088},{"sentences":[{"text":"Cheers.","start":1770.6489,"end":1771.1289,"sentiment":"positive","sentiment_score":0.6547671556472778},{"text":"Bye.","start":1771.1289,"end":1771.6289,"sentiment":"positive","sentiment_score":0.4556722640991211}],"sentiment":"positive","sentiment_score":0.5552197098731995,"channel":0,"num_words":2,"start":1770.6489,"end":1771.6289},{"sentences":[{"text":"Bye bye.","start":1771.5089,"end":1772.2489,"sentiment":"neutral","sentiment_score":0.11734925583004951}],"sentiment":"neutral","sentiment_score":0.11734925583004951,"channel":1,"num_words":2,"start":1771.5089,"end":1772.2489}]},"summary":{"result":"success","short":"The speaker discusses their health and retirement goals with the customer, emphasizing the importance of using a budget planner and a risk profile to prepare for future investments. They also discuss their investment strategy, including their past investment in direct shares and their desire to stay with their current investments. The speaker emphasizes the importance of maintaining savings and maintaining coverage, as well as the possibility of returning to their current insurance plan if they decide to keep it. They also mention a referral program and emphasize the importance of maintaining coverage and one account at ANZ to avoid losing savings. The call ends with the speaker thanking the son and saying goodbye."},"intents":{"segments":[{"text":"And then as far as your health, in the last twelve months since you last spoke to us there, you're still currently a nonsmoker? Yeah. Yeah.","start_word":137,"end_word":162,"intents":[{"intent":"Discuss health","confidence_score":0.09600202}]},{"text":"And then as far as, like, your medication, you're still taking the medication for for diabetes at the moment? Yes.","start_word":174,"end_word":193,"intents":[{"intent":"Describe medications","confidence_score":0.00040638066}]},{"text":"No. I haven't, but I Because we can sort of send you some details should just in regards to, like, a local solicitor be. here and their general pricing just to give you an idea. Do you have a read through about a bit more about, like, wills and estates and things like that and what Yeah.","start_word":240,"end_word":296,"intents":[{"intent":"Provide details","confidence_score":0.040900093},{"intent":"Provide information","confidence_score":0.00882368}]},{"text":"My problem is I is having a home for for me, my kids, my grandchildren. So I had that all before I can come into this family. We are we were looking at our house, but just not be sure how to go about it. Yep.","start_word":402,"end_word":447,"intents":[{"intent":"Identify challenges","confidence_score":0.00008618199}]},{"text":"We can send through a budget planner. You don't have to use this by any means, but it is a good tool to be able to just map out your budget and sort of that savings.","start_word":913,"end_word":948,"intents":[{"intent":"Manage budget","confidence_score":0.0005522035}]},{"text":"So as a part of that, we can review your your investments in that rollover strategies. You got around 52 in your your hub twenty four there as well. Yes.","start_word":1383,"end_word":1412,"intents":[{"intent":"Review investments","confidence_score":0.37127545}]},{"text":"And so to go back to that question, it has been a did you consider yourself a bit of a moderate risk taker there or a bit higher depending on that with, like, trying to get the most out of your superannuation?","start_word":1415,"end_word":1456,"intents":[{"intent":"Evaluate superannuation options","confidence_score":0.1291335}]},{"text":"Now as part of reviewing your superannuation investments there as well, given that it has climbed over the the 50,000 mark, they may wanna turn that back on.","start_word":2078,"end_word":2105,"intents":[{"intent":"Review superannuation investments","confidence_score":0.15595275}]},{"text":"But your actively managed fund, Venlo, which makes up for around six or 7% of your portfolio, they just had an underlying investment called corporate traveler, which was done for not reporting correctly. And then as a result of that, they had to reevaluate not only corporate traveler, but the fund itself lost a lot of value and consumer confidence.","start_word":2178,"end_word":2237,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.1016041}]},{"text":"And then what that e exchange traded fund does is it just tracks those top 200 as companies get bigger. They go up in that 200. You hold them as an investment. As they drop down there as well, they'll fall out of that 200 there. So it still is a little bit flexible and dynamic in the sense that you do have those changes.","start_word":2510,"end_word":2574,"intents":[{"intent":"Evaluate fund features","confidence_score":0.10753534}]},{"text":"Do you have any other questions in regards to anything or the, you know, questions you may have or anything you sort of wanna address to this annual review? No. No.","start_word":2887,"end_word":2917,"intents":[{"intent":"Address questions","confidence_score":0.8520835}]},{"text":"Obviously, if they decide to turn the feedback on, that'll be in the document as well in regards to the ongoing service agreement.","start_word":2947,"end_word":2969,"intents":[{"intent":"Talk about feedback","confidence_score":0.0004544848}]},{"text":"I'll run over that as well with you at the time, and you can make the decision if you're happy or not.","start_word":2970,"end_word":2991,"intents":[{"intent":"Make decision","confidence_score":0.19012024}]},{"text":"If you sort of it did eventually you know, you weren't sort of feel like, you know, you're getting the most out of service for the cost you would be paying as an ongoing client.","start_word":2992,"end_word":3026,"intents":[{"intent":"Address cost","confidence_score":0.00010941547}]},{"text":"Obviously, not the only reason I keep that one was was to keep the insurance health insurance because I wouldn't get that anywhere any other place. So Yes.","start_word":3054,"end_word":3081,"intents":[{"intent":"Keep insurance coverage","confidence_score":0.039339326}]},{"text":"just not not be an ongoing client and then just maintain your one account there at ANZ as well. We'll do a review and make sure that your hub twenty four is still performing better than the ANZ to make sure it's still in best interest to be able to maintain the two funds anyway. But Oh, I okay.","start_word":3266,"end_word":3324,"intents":[{"intent":"Maintain funds","confidence_score":0.38171872},{"intent":"Maintain service","confidence_score":0.16079202}]},{"text":"We'll do a review and make sure that your hub twenty four is still performing better than the ANZ to make sure it's still in best interest to be able to maintain the two funds anyway. But Oh, I okay.","start_word":3284,"end_word":3323,"intents":[{"intent":"Review and ensure better service","confidence_score":0.002221957}]},{"text":"I just thought that the more the more was where where with with you guys, the more I can get in there, the more you can work with. Like I said, the we did did look at closing up the other one just for convenience purposes, but, yeah, that that he couldn't find a a health insurance that that could that could feed it. So he Was just comparable.","start_word":3332,"end_word":3400,"intents":[{"intent":"Consider closing","confidence_score":0.0016481696}]},{"text":"You're still making money. Obviously, if it's still working out that it is still in your best interest having the two and you're happy with the fee that's been haven't been ongoing client and it cost you pay for the services as well, happy days, we'd love to sort of still have you. Yeah.","start_word":3486,"end_word":3539,"intents":[{"intent":"Make money","confidence_score":0.18487354}]},{"text":"Obviously, if it's still working out that it is still in your best interest having the two and you're happy with the fee that's been haven't been ongoing client and it cost you pay for the services as well, happy days, we'd love to sort of still have you. Yeah.","start_word":3490,"end_word":3539,"intents":[{"intent":"Discuss fees","confidence_score":0.0005564577}]},{"text":"But but at the end of the day, we wanna make sure that, you know, you're getting the most out of the service if you're paying for it as well. And if you don't feel like you could get that, we have no issue sort of putting you back in in Ainsett and you being able to to maintain that as well.","start_word":3540,"end_word":3601,"intents":[{"intent":"Provide service","confidence_score":0.009042051},{"intent":"Maintain ainsett","confidence_score":0.00030781075}]},{"text":"She's not a a client with us at the moment? I think he is.","start_word":3792,"end_word":3805,"intents":[{"intent":"Evaluate client status","confidence_score":0.012301178}]},{"text":"We're trying to make a bit more sense of it coming into the the new year and getting through a bit of the backlog.","start_word":3958,"end_word":3981,"intents":[{"intent":"Analyze backlog","confidence_score":0.19483224}]},{"text":"I've I've been with you. You've been no. It's not the same. It's different. It's it's it's working for me. I'm I'm much wiser. But yeah.","start_word":4324,"end_word":4349,"intents":[{"intent":"Introduce oneself","confidence_score":0.0006430117}]},{"text":"I'm glad to hear that, Tasmin. And then, you know, not that you have to or anything like that, but if you ever did wanna leave a Google review, obviously, we're happy to have any sort of feedback you may have on how to sort of improve and how you have found the service.","start_word":4361,"end_word":4414,"intents":[{"intent":"Provide feedback","confidence_score":0.3285529}]},{"text":"If someone was to come on board through your referral as well at the moment, they are running a referral program where if someone comes on board through your good faith, a referral, like you said, speaking with other people and actually do wanna, you know, have a conversation about it, they were to come on board as a client.","start_word":4471,"end_word":4530,"intents":[{"intent":"Promote referral program","confidence_score":0.0040422967}]},{"text":"They don't we don't charge you upfront fee until they go to accept the advice anyway. And if they're just looking for a mortgage broker, we can pass them on to some trusted partners and things like that as well, much like yourself sort of when you're ready. So yeah. But with that, is there anyone you can sort of think of that might benefit from the service at the moment there, Tasmin?","start_word":4668,"end_word":4740,"intents":[{"intent":"Address customer concerns","confidence_score":0.0008683289}]},{"text":"I learned I learned by doing it. Yeah.","start_word":5062,"end_word":5069,"intents":[{"intent":"Learn","confidence_score":0.00024220413}]},{"text":"pay my pay my bills or, you know, like, my my mother used to do it week in and week out.","start_word":5086,"end_word":5106,"intents":[{"intent":"Pay bills","confidence_score":0.644505}]},{"text":"gonna could talk to him because this is a free start for Yep. him.","start_word":5250,"end_word":5263,"intents":[{"intent":"Discuss","confidence_score":0.63067096}]},{"text":"And at the end of the day, a conversation never hurts either. Even if he is dead set against it, if he has the conversation, he has the chance to at least have a discussion, maybe expand his knowledge a tiny bit.","start_word":5322,"end_word":5363,"intents":[{"intent":"Have discussion","confidence_score":0.012228077}]}]},"sentiments":{"segments":[{"text":"Hello? It doesn't yeah.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":-0.19965320825576785},{"text":"It just cut out there. No. It's still trying to change over and I yeah. It's still wrong.","start_word":4,"end_word":21,"sentiment":"negative","sentiment_score":-0.3636421263217926},{"text":"One second. No. That's that's perfectly fine. Just because it is a new call there, unfortunately, I do have to pass through that security again there, Tasman, with that name, date of birth, and current address. We can get stuck back into that. Assistant. Picking up the 969. I'm going to be wrong place, Kristen.","start_word":22,"end_word":76,"sentiment":"neutral","sentiment_score":-0.07128572463989258},{"text":"Perfect. Perfect. Thank you.","start_word":77,"end_word":80,"sentiment":"positive","sentiment_score":0.630365252494812},{"text":"Now I know we're just sort of chatting just about, yeah, assets, liabilities. Is there anything else that you sort of haven't mentioned or you haven't mentioned that you've got in regards to assets, liabilities, any loans, things like that? Not not everything, like, yeah, but you got it. It's printing in the car. Yep. Alright. And then as far as your health, in the last twelve months since you last spoke to us there, you're still currently a nonsmoker? Yeah. Yeah. No. It's like a I think if you can drink. Yeah. And then as far as, like, your medication, you're still taking the medication for for diabetes at the moment? Yes. That's that's Yep. correct. Is is there any other medications that you're taking at the moment? That's all. Is it arthritis as well? So Yep. And then as far as a will, have you managed around to getting a will sort in the last twelve months? No. I haven't, but I Because we can sort of send you some details should just in regards to, like, a local solicitor be. here and their general pricing just to give you an idea. Do you have a read through about a bit more about, like, wills and estates and things like that and what Yeah. it might be? Yeah.","start_word":81,"end_word":300,"sentiment":"neutral","sentiment_score":0.0015483007300645113},{"text":"That'll be good. Perfect.","start_word":301,"end_word":304,"sentiment":"positive","sentiment_score":0.5632247924804688},{"text":"And then in regards to goals that you're working towards at the moment there, Tasman, is there I know you wanted to go to a holiday to Thailand, and then you've got your retirement sort of goals in mind of, like, what you're trying to save towards there. But is there anything else that you're trying to achieve in the the short term, maybe set part pay down the the car loan there? Yeah. We we we're I'm in and hiring about getting into our house because the mother-in-law is is washing now 70. Yep. But yeah. My problem is I is having a home for for me, my kids, my grandchildren. So I had that all before I can come into this family.","start_word":305,"end_word":428,"sentiment":"neutral","sentiment_score":0.08353579789400101},{"text":"We are we were looking at our house, but just not be sure how to go about it.","start_word":429,"end_word":446,"sentiment":"negative","sentiment_score":-0.3364163935184479},{"text":"Yep. Yep. So in in terms of that one, in terms of, like, purchasing, like, the family member's house or looking at a different sort of house? Like you were saying, it is sorta like, where is it looking like as a fan like your sorta your partner and then, like, a group of people going for a house or, like, just yourself? No. Just me and my partner and then down the road, not too far down the road. My the connect would be my mom. The 90. So In terms of, oh, like, eight 80. caring Sorry. for her You or said trying 8. to what's that, sir? Yeah. 80. I mean, because I because I think but, yeah, now she's hitting 80 and, yeah, we're looking at taking care of it, but she won't go with any of my my other siblings. Yep. And And that does that your that mother that own that that a house that that that as well that you'd be, that like, moving that in with, or is it sorta you'd that be looking? that that's the only reason why I'm looking at another on a house. So she'll she doesn't wanna come over here because she lives in New Zealand. Yep. Okay. But Yep. but she doesn't wanna stay with my other siblings. She'll only stay with me. So does that mean that you're potentially planning on moving back to New Zealand? No. No. I I want to to get a house here so she has has a house to come to if if the options so the option is there for her. But we we we have been looking for a house for ourselves as well. Yep. We just had the dilemmas that is that, like, her mom we thought she mom might move back to Darlene by her sisters because she's been the only maid. Yeah. It's Yep. one of those test 22 that she's at the moment. So is that something that you're looking at sort of shortly? Is that something that you wanna sort of see how things plays out in the next sort of six to twelve months? Just, like, making Yes. sure you continue to to save and then maybe speaking to a mortgage broker to see what that might look like. Yeah. Something like that. Yeah. Yeah. Because I can just make a note of it sort of in the, you know, the next sort of twelve to to Yes. twenty four months there just depending on what happens, you know, family wise. Obviously, in the meantime, the good idea is to obviously try and build up as much savings as possible to, you know, put it go towards a potential house deposit in that time frame. Yeah.","start_word":447,"end_word":910,"sentiment":"neutral","sentiment_score":-0.017102915273802675},{"text":"That's good. We can send through a budget planner. You don't have to use this by any means, but it is a good tool to be able to just map out your budget and sort of that savings.","start_word":911,"end_word":948,"sentiment":"positive","sentiment_score":0.39347442984580994},{"text":"I know you're sort of putting away a little bit in savings at the moment regularly, but this can help you track it a little bit more, track your bills and expenses, and prepare for, like, a little bit of those larger expenses that come up, you know, like the your like, rego, things like that as well, Yeah. and just, like, Oh, yeah. planning playing it out a bit better. Of course.","start_word":949,"end_word":1021,"sentiment":"neutral","sentiment_score":0.18178991973400116},{"text":"Perfect. I'll get that sent out to you after this phone call there as well.","start_word":1022,"end_word":1036,"sentiment":"positive","sentiment_score":0.4118896424770355},{"text":"I will also do a quick risk profile there with you, Tasman, just make sure it aligns with what we've currently got you invested in. So just bear with me while I open that back up. It's just closed down on me.","start_word":1037,"end_word":1078,"sentiment":"neutral","sentiment_score":0.19822980889252256},{"text":"Yeah. Perfect.","start_word":1079,"end_word":1080,"sentiment":"positive","sentiment_score":0.535041332244873},{"text":"And just to refresh my memory there, Tasman, have you ever invested in direct shares previously, or is it just like what you've done through Oakview? Investing direct shares like any other investments apart from like your superannuation? Yep. And within regards to like retire, I know you sort of as a rough sort of things, reckon you'll be sort of still working to that age 67, especially if you're sort of looking at property and things like that as well. Is that sort of still the case working to that time frame? Yes. Yep. And then with inflation, obviously, you know, the cost of living isn't getting any cheaper. You probably feel that a little bit. Are you still yeah. Are you still willing to, like, accept sort of moderate or high amount of risk to try and outpace inflation with your superannuation? I know, you know, being that you came from New Zealand, it's not the the highest balance there. And do you still have a Kiwi saver there, Tasman? No. I but have that when I come here, it's been nineteen years now. Uh-huh. Okay. Been talking yet, but they didn't have a KiwiSaver when I was there. Back then. Yeah. No. No. Yeah. I just I was just paying good bank, and I've always been a good bank. Not sure where is the greatest one, but, yeah, with the Yep. speaking of bank, I I I used to to take money out of it. I think it's at nearly 20,000 in the other. Yeah. So that's part of, like, obviously, the the review here as well. Just to I believe the last time I checked when the the tenth of the third day was when the last time they called, it was around 19,600 sitting in that one. So as a part of that, we can review your your investments in that rollover strategies. You got around 52 in your your hub twenty four there as well. Yes. Yep. And so to go back to that question, it has been a did you consider yourself a bit of a moderate risk taker there or a bit higher depending on that with, like, trying to get the most out of your superannuation? I'm getting stronger and stronger.","start_word":1081,"end_word":1460,"sentiment":"neutral","sentiment_score":0.01924339925968333},{"text":"I was really apprehensive in the beginning, but now I'm getting more more of a risk factor, I suppose.","start_word":1461,"end_word":1479,"sentiment":"negative","sentiment_score":-0.3619019091129303},{"text":"Yep. And then sort of with everything going on in the markets at the moment, if your portfolio was to decrease by 20% due to what's happening in the market, you know, the wars and things like that, would you, Yes. like, wanna sorta shift your investments to be a bit more defensive? Would you just hold and wait it out for the the longer term given that you don't sort of plan on retiring soon or maybe sort of, you know, think of alternative options? That's a great question. I guess I guess it's probably what's happening overseas. It's making it a lot more risky than than normal. So I think more Yeah. what's meant mean more courses, I guess. Yeah. Sort of that you would just kind of like hold and wait it out. You wouldn't sort of go trying to sell anything down to cash and things like that? Yeah. No. I'm I probably just stay with with Yeah. you know, Exactly. it's in the in the safe mode just in the meantime because it's it's pretty volatile. You don't know what the hell is going on. And then during events like COVID where Super did take a bit of a dive, did that make you a little bit concerned or cautious about what was going on in your superannuation investments? Not not a concern. More courses. Because I think we are far away from it. I mean, it does affect that's got fuel and stuff like that, but I don't know if it's gonna be major or or hack them out in this side of the Yeah. world. But I'm not concerned. Maybe cautious, I guess. Yep. And with that, obviously, you know, wars create, you know, quite volatile environments. But in terms of, like, long term effects, generally, you know, it is a little bit more short lived than, like, pandemics and, like, terrorist attacks, those sort of things. They do tend to, after, you know, a period of time, once the the dust has settled, as per se, they do sort of recover quite quickly still as well. And that does bring you out still to a growth investor, which is what we've currently got you invested in.","start_word":1480,"end_word":1853,"sentiment":"neutral","sentiment_score":-0.09321135589305092},{"text":"So fantastic. I'm That still lines up.","start_word":1854,"end_word":1860,"sentiment":"positive","sentiment_score":0.5157923102378845},{"text":"Now did you get that email there that I sent before, Tasmin, with your your document? pretty sure I think I think the sign went through. I I pretty sure. You you signed it already? I I think yeah. I'll just have a Yes. a double Yes. check. Did the email come back for me? K. I do. Oh, yeah. Yep. That one has been signed. So with that one there, that was a tax file not in and a a lost super search form. We just send Yes. that off to the ATO to ensure there's no other accounts out there in your name. The tax Oh, file okay. number opt in one was just in regards to where we store your tax file number on file. We've just updated that form where Yep. it was previously. It would just be redacted off that one. Now in regards to the updates, there were a few business updates. You do have the most up to date financial services card. Now in terms of the fee you do pay there, Tasman, so back in I believe it was let me just double check. Might have been quite a while ago now. Harry turned off your fee just because of the lower balance to help your superannuation grow. Uh-huh. Now as part of reviewing your superannuation investments there as well, given that it has climbed over the the 50,000 mark, they may wanna turn that back on. I'll have a discussion with the the team there. We'll do the research first in regards to that. We also will do a review just of your I know you updated your investments in 2024.","start_word":1861,"end_word":2140,"sentiment":"neutral","sentiment_score":0.055311352014541626},{"text":"And since then, you know, in the last twelve months, it did 7.7% in regards to a return, which is still quite a nice return for a growth portfolio with everything that is going on there.","start_word":2141,"end_word":2176,"sentiment":"positive","sentiment_score":0.538549542427063},{"text":"Yes. But your actively managed fund, Venlo, which makes up for around six or 7% of your portfolio, they just had an underlying investment called corporate traveler, which was done for not reporting correctly.","start_word":2177,"end_word":2210,"sentiment":"neutral","sentiment_score":-0.06765400618314743},{"text":"And then as a result of that, they had to reevaluate not only corporate traveler, but the fund itself lost a lot of value and consumer confidence.","start_word":2211,"end_word":2237,"sentiment":"negative","sentiment_score":-0.36811771988868713},{"text":"Now Oku's decision as regards to that was to to move away from Benelon. Now given the recency of that, we can just opt to do a record of advice and switch that investment there to Australian two hundred, which is an indexed investment. Now you wouldn't have an active portion to your super anymore, so there wouldn't be a managed fund where they're actively trying to outperform the market. It means that it's kind of reduced the cost and then that you just track those indexes. Especially with everything going on, it's a bit hard to pick winners at the moment as well. But in saying that, there is an option to review your portfolio, look Okay. at another active replacement, or we can just do that quick change with the Benelon two, the alternative. You will make a little bit of a loss to that, but it'll also offset some costs and capital gains moving forward if that makes sense as well, Tasmin. Yep. Do you think you just wanna do the the quick swap to the index alternative that doesn't have that manager risk, or would you like to review your portfolio as a whole and see another active alternative? No. The first one. Just the the more passive approach there. Obviously, Yeah. once we do it, we'll sort of just, like, email that in regards to that. There'll be a document. I can even give you a quick call to run you through it. But, basically, you're in it. The Benelong is an Australian equities fund, so the a 200 is the top 200 companies in Australia. And then what that e exchange traded fund does is it just tracks those top 200 as companies get bigger. They go up in that 200. You hold them as an investment. As they drop down there as well, they'll fall out of that 200 there. So it still is a little bit flexible and dynamic in the sense that you do have those changes. But in terms of, like, what is occurring now, they're not trying to pick winners, which takes a little bit of that risk away, and you'll still have a similar sort of allocation to growth assets that you currently have, and you'll be paying a a lower cost in investments as well, if that makes Yes. sense. Yes. Yep. Do That's you have any questions re regarding that at all, Tasman? good. No. No. Sounds good. Yep. Obviously, feel free to have a look at the report. There's obviously a few there that are quite negative in regards to that and what hap has happened, you know, overseas, which you can sort of potentially understand given that the current market's there as well. Disinfected. We'll look, Yeah. yeah, we'll look to change out the. And then at the twelve month market gain, we'll obviously review the portfolio, see how it's traveling, see how those other ones that have had that negative return are traveling. Yeah. But currently, you're still making some growth in your super even with a few of those assets being down. There's a few there that have done really well that have propped up your portfolio, which is still good. No. Cool. Cool. Yep. In regards to that as well, we will just do a quick review of, like, a rollover attention review in regards to that and that rollover. And then we can probably actually just include that bet along in that advice document because we'll have to put that in an actual SOA for the rollover just given that to review it to make sure that everything's happy days and roll over that amount over that 10,000 if that's still in your best interest as well. Yeah.","start_word":2238,"end_word":2865,"sentiment":"neutral","sentiment_score":0.06912000874164188},{"text":"Perfect.","start_word":2866,"end_word":2866,"sentiment":"positive","sentiment_score":0.40380433201789856},{"text":"But do you have any questions in regards to any of that today there, Tasman? No. No. It's fine. Do you have any other questions in regards to anything or the, you know, questions you may have or anything you sort of wanna address to this annual review? No. No. You pretty much addressed. And then and after the main one, whether you're gonna roll over from Yeah. the AMT school. Yeah. Yes. We'll do a review of that one. Obviously, if they decide to turn the feedback on, that'll be in the document as well in regards to the ongoing service agreement.","start_word":2867,"end_word":2969,"sentiment":"neutral","sentiment_score":0.11047291017851785},{"text":"I'll run over that as well with you at the time, and you can make the decision if you're happy or not.","start_word":2970,"end_word":2991,"sentiment":"positive","sentiment_score":0.3443141579627991},{"text":"If you sort of it did eventually you know, you weren't sort of feel like, you know, you're getting the most out of service for the cost you would be paying as an ongoing client. There is the option to just go back to ANZ as well because you do have those insurances there as well. And Yeah. Yeah. That's that's yeah. Obviously, not the only reason I keep that one was was to keep the insurance health insurance because I wouldn't get that anywhere any other place. So Yes. I can't remember who I was talking to at the time. He he his advice was to keep it, and they'll just keep enough money in here to keep it going. Yeah. So so with that one, just with, like, your preexisting exclusion, but it'd likely be a loading with diabetes and things like that as well. And then given, you know, your age as well, insurances get more expensive as you do get older. And then, Yeah. Yeah. yeah, with that, it'd come at the added cost as well that you would be sort of paying versus maintaining that group cover. Just as a sort of, you know, this ends up just informing you that, you know, should you not want to, you know, take on the service for the fee because you haven't been paying the fee just based on the the lower balance. If they decide to let you know, based on going over the 50,000 that they would wanna turn it back on, you do have the option just to return to your handset as well and then Sorry. just not not be an ongoing client and then just maintain your one account there at ANZ as well. We'll do a review and make sure that your hub twenty four is still performing better than the ANZ to make sure it's still in best interest to be able to maintain the two funds anyway. But Oh, I okay. thought I'd just let you know. Yeah. Yeah.","start_word":2992,"end_word":3331,"sentiment":"neutral","sentiment_score":0.03413222406936042},{"text":"I just thought that the more the more was where where with with you guys, the more I can get in there, the more you can work with.","start_word":3332,"end_word":3359,"sentiment":"positive","sentiment_score":0.33640536665916443},{"text":"Like I said, the we did did look at closing up the other one just for convenience purposes, but, yeah, that that he couldn't find a a health insurance that that could that could feed it. So he Was just comparable. Yeah. yeah. Yeah. Yeah. Yes. He did. Yes. So So in I'm terms not of that wait. yeah. Sorry. Yep. No. No. You're good. Yeah. So as I was saying in terms of well, like, we we're just gonna review it and ensure that in regards to that, it's still, like, in your best interest having the two accounts because Yeah. as advisers, Cool.","start_word":3360,"end_word":3464,"sentiment":"neutral","sentiment_score":0.08820699155330658},{"text":"you Cool.","start_word":3465,"end_word":3466,"sentiment":"positive","sentiment_score":0.38277333974838257},{"text":"know, we've yeah. We've gotta make sure that, you know, having the two is still in your best interest.","start_word":3467,"end_word":3485,"sentiment":"neutral","sentiment_score":0.2634427845478058},{"text":"You're still making money. Obviously, if it's still working out that it is still in your best interest having the two and you're happy with the fee that's been haven't been ongoing client and it cost you pay for the services as well, happy days, we'd love to sort of still have you. Yeah. But but at the end of the day, we wanna make sure that, you know, you're getting the most out of the service if you're paying for it as well. And if you don't feel like you could get that, we have no issue sort of putting you back in in Ainsett and you being able to to maintain that as well.","start_word":3486,"end_word":3601,"sentiment":"positive","sentiment_score":0.5382357239723206},{"text":"And if it works out that the cost you would be paying versus the returns that have been getting as well, put you in a worse off position, we might look at sort of putting you back as well just to ensure that your your super savings aren't getting eroded as well by fees, if that Yeah.","start_word":3602,"end_word":3658,"sentiment":"negative","sentiment_score":-0.4467858374118805},{"text":"makes sense. Sure. Yeah.","start_word":3659,"end_word":3662,"sentiment":"neutral","sentiment_score":0.1600559800863266},{"text":"Because we wanna ensure the best outcome for you, Tasmin.","start_word":3663,"end_word":3672,"sentiment":"positive","sentiment_score":0.4738844037055969},{"text":"If that means Yeah. you're not with us as a a a client and just, you know, using lies in Absolutely. that industry fund as well. We wanna make sure that, you know, it's that what's best for you is what we want at the end of the day. Oh, cuckoo. Not a problem. But we'll do a review of it, make sure, you know, all the figures Yeah. match up, and then you get to make a decision once we present that statement and advice there as well, Tasman. So Yeah. you'll have Yeah. all Jennifer. the information in front of you. Yeah. Not a problem. And as far as your spouse, just double checking there as well. She's not a a client with us at the moment? I think he is. Yeah. Yes. Oh, Yes. she is? He is. Yeah. Just double check. Sorry. He she Just he because of she find I don't know.","start_word":3673,"end_word":3829,"sentiment":"neutral","sentiment_score":0.07884565740823746},{"text":"She she finds it difficult to in communication.","start_word":3830,"end_word":3837,"sentiment":"negative","sentiment_score":-0.4231850504875183},{"text":"Okay. Yeah. So because just with the change over there as well, a lot of the links went missing. I was just double checking. Oh, okay. They they normally give her a ring after they had the phone call with me. They probably probably trying to catch up. Yeah. It just sort of depends, I think, where the the end of reviews lineup, where it is. But I believe, yeah, she's probably due for hers as well. I think we're just a bit behind the eight ball with all those business changes. We've changed client profiles and everything as well in regards to the the CRMs and stuff we use. So it's all over the ship a little bit. We're trying to make a bit more sense of it coming into the the new year and getting through a bit of the backlog. So apologies Yeah. there, I think but she I think she might have changed jobs and see when she first started, I think. I'm not a 100% sure. But okay. yeah. In the next coming sort of, you know, weeks or months, as I said, there's a bit of a backlog. We are a bit behind. I think, you know, from a memory, they sort of have reached out to a few people that are due for their interviews, but might not have gotten a hold of them. But I know it's sort of in the coming sort of month, they're really gonna sort of push to get people back on the phone.","start_word":3838,"end_word":4093,"sentiment":"neutral","sentiment_score":-0.09225022126338445},{"text":"The good news with that in regards to that, Tasman, is because your partner is on board, it would be a 1.1% fee instead of 1.65, which means you're paying less overall as well, which was yeah.","start_word":4094,"end_word":4130,"sentiment":"positive","sentiment_score":0.5527254939079285},{"text":"Because they do have a coupling fee. And then just curious there as well, Tasman, I know you've been on board for a few years there.","start_word":4131,"end_word":4156,"sentiment":"neutral","sentiment_score":0.274715781211853},{"text":"Just how have you found the service? Has it been largely good? Have you had a positive experience so far?","start_word":4157,"end_word":4176,"sentiment":"positive","sentiment_score":0.4288003146648407},{"text":"You know, I I I generally have it. It's like it goes the other route. There's not a lot of communication. Like, if they all talk to family members or friends and they go, yeah. No. No. Mine's the same. And I go, no. You're not the same. They they guys aren't doing nothing. They don't contact you. It's it's just sitting there. I think they're government controlled. I'm I'm not too sure. I Just said, the no. industry Just funds? Or yeah. Just I think I think you might be yeah. It might be interesting then. So just say no. No. Mine, it's different. They're not the same. And they but little heat not heated, but got a little bit passionate, should I say. They're a bit Did no. it No. see I've a bit I've few been debates and things like that? yeah. Yeah. Yeah. I've I've been with you. You've been no. It's not the same. It's different. It's it's it's working for me. I'm I'm much wiser. But yeah. No. No.","start_word":4177,"end_word":4351,"sentiment":"neutral","sentiment_score":-0.0762225860783032},{"text":"A positive experience that you know, the years. Yep. I'm glad to hear that, Tasmin. And then, you know, not that you have to or anything like that, but if you ever did wanna leave a Google review, obviously, we're happy to have any sort of feedback you may have on how to sort of improve and how you have found the service. It sort of helps with us to grow there as well.","start_word":4352,"end_word":4425,"sentiment":"positive","sentiment_score":0.5536693334579468},{"text":"And in conjunction with that as well, if you ever sort of come across someone that is looking for, you know, something a bit more than just the industry fun, you know, even if it's just sort of your children that you wanna refer on. If someone was to come on board through your referral as well at the moment, they are running a referral program where if someone comes on board through your good faith, a referral, like you said, speaking with other people and actually do wanna, you know, have a conversation about it, they were to come on board as a client. You actually get a $100 gift card, Oh, which is yeah. So if you are having one of those heated debates and someone actually does wanna have one of the free consultations, cool. you know, whether it's your children, friends, family, yeah, at the moment, if there's someone to come on board through that referral. So with that, I can sort of send an email if you ever think of anyone as well with that budget planner. If you think of someone that might wanna have a a consultation there just to see, have their superannuation insurance reviewed, sorta have just a discussion about their situation even. We've also got, Yes. you know, the mortgage brokers and things like that. A lot of people thinking about houses, so feel free to to send them our way. They don't we don't charge you upfront fee until they go to accept the advice anyway. And if they're just looking for a mortgage broker, we can pass them on to some trusted partners and things like that as well, much like yourself sort of when you're ready. So yeah.","start_word":4426,"end_word":4716,"sentiment":"neutral","sentiment_score":0.26257723242146863},{"text":"But with that, is there anyone you can sort of think of that might benefit from the service at the moment there, Tasmin?","start_word":4717,"end_word":4739,"sentiment":"positive","sentiment_score":0.34398284554481506},{"text":"I have a talk with my son. Yeah. He's making a change at the moment. He's gonna go over the fifth and jump in the mines. Yep. Yeah. So I'm I'm on I might have a chat to him about because he he doesn't have a clue. He he's this this day, they announced a 34 year old, 35 year old, or or a 20 year old. Yeah. It's I mean, I I was well grown up. I I was 30 when I was 20. But it's it's 35 year old. These guys are 20 year olds. It's it's I'm not trying to be thinking, but that's that's what No. I think. You you are right. Like, people like, in children did grow up a lot quicker back in the day. And, obviously, you know, when you push for more education to the 18, you're not an adult to your 18 type deal, it does sort of push back at least some form of, like, development of in regards to, like, adulting standards at least anyway. So you're not wrong at all. Well, it's basically, they they just don't have that worldly experience. Like, I I don't well, to be fair, not everybody had the experiences that I had. Like, I came to Australia when I was 13 as an apprentice jockey, and and that was by myself at the age of 30. There were a little bit of contention over that, but I got I got to learn I learned about the world, and that was at 30 age of 30. I went back at 20. Yep. Went back to New Zealand. I had a family and come back nineteen years later. And now I'm on my twentieth year being here in Australia. So, like, it they just don't get that experience. And and I I look at a lot of parents. They do everything for them. I mean, anyway, Yep. I learned I learned by doing it. Yeah. And Pulling then and up then your pay boots, right, pay and just doing it yourself. pay my pay my bills or, you know, like, my my mother used to do it week in and week out. Because back days back in that day, it was a lot harder. You had to go and do everything manually. You know, you you had to put Yep. aside put aside the the day to go and pay all the bills. And and but also back that day, there wasn't a lot of money. I suppose it's not a little bit like that way here too, but that but Yeah. that's because your income is lower than the the what do you call it? Inflation? Yeah. Yeah. Yeah. Yeah. It's lower than, like, everything's going up, but except for wages. Yeah. You're not wrong at all. Ben, it doesn't.","start_word":4740,"end_word":5215,"sentiment":"neutral","sentiment_score":-0.06543511009829886},{"text":"The cost of living is getting a bit out of hand at the moment.","start_word":5216,"end_word":5229,"sentiment":"negative","sentiment_score":-0.34579169750213623},{"text":"But Yeah. But he he's not he's not even he's got he he wouldn't have a clue. So I'm yeah. gonna could talk to him because this is a free start for Yep. him. And I've been in the mines. Obviously, I'm expecting he'll get a flow of funds, and he can be a miser, which is a good thing about him. But yeah. But I I want him to be able to do something with it while he's in the and Yeah. and and have his money looked after.","start_word":5230,"end_word":5319,"sentiment":"neutral","sentiment_score":-0.009903292171657084},{"text":"Exactly right. And at the end of the day, a conversation never hurts either.","start_word":5320,"end_word":5333,"sentiment":"positive","sentiment_score":0.4020754992961883},{"text":"Even if he is dead set against it, if he has the conversation, he has the chance to at least have a discussion, maybe expand his knowledge a tiny bit. And if he decides not to come on board, that's his decision at the end of the day.","start_word":5334,"end_word":5381,"sentiment":"neutral","sentiment_score":0.2400882393121719},{"text":"But at least he's got a little bit he can go away with and know a little bit more at the end of the day as well that hasn't cost him anything.","start_word":5382,"end_word":5413,"sentiment":"positive","sentiment_score":0.45815542340278625},{"text":"100%.","start_word":5414,"end_word":5414,"sentiment":"neutral","sentiment_score":0.2820770740509033},{"text":"Not a problem there, Tasmin.","start_word":5415,"end_word":5419,"sentiment":"positive","sentiment_score":0.3911447525024414},{"text":"But do you have any other questions for me at the moment while you've got me there? Oh, no. No.","start_word":5420,"end_word":5439,"sentiment":"neutral","sentiment_score":0.1076519340276718},{"text":"And the good thing about it is I'm not afraid to ring up nowadays. Exactly.","start_word":5440,"end_word":5454,"sentiment":"positive","sentiment_score":0.4323371648788452},{"text":"Yeah. You know the the number there as well. Feel free to reach out whenever you have a chance to have a conversation. Exactly. Not a problem at all, Tasman. Well, after this call, I might not get to it straight after this phone call there, but I'll send you off the email just with that information, the budget planner, and you can respond to that if every like, you find someone that does wanna have a conversation. Or if you just let them know when they're calling up by themselves, just make sure to let them know that, you know, Tasman sent them, and then you might get a little bit of something out of it if they do come on board as a client. Yeah. Sure. Sure.","start_word":5455,"end_word":5583,"sentiment":"neutral","sentiment_score":0.2404891699552536},{"text":"Not a problem at all. Well, you enjoy the rest of your day, Tasman. Thanks for your time. You can finally rest after your your long day there and kick your Yeah. feet Thank up. you. Yeah. Thank you. No problem, mate. Well, thanks for your time. You enjoy the rest of your hour. Yeah. Good evening. Alright, man. Cheers. Bye.","start_word":5584,"end_word":5644,"sentiment":"positive","sentiment_score":0.6222857236862183},{"text":"Bye bye.","start_word":5645,"end_word":5646,"sentiment":"neutral","sentiment_score":0.3129405677318573}],"average":{"sentiment":"neutral","sentiment_score":0.06572852348769417}}}}