{"metadata":{"transaction_key":"deprecated","request_id":"20c061d1-cf66-48ad-9a37-5c743f40e4b3","sha256":"0e635a5fd9bf0cb1acac7129a17776198cb633a82c2114b9aece357b3348dad2","created":"2026-02-16T07:22:14.433Z","duration":1236.4559,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5571,"output_tokens":118},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6189,"output_tokens":6202},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6189,"output_tokens":476}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Craig. It's Dana from OQ Financial. How are you this afternoon? Good. I'm very well. Thank you. How's your week been? Yeah. Absolutely. Look. It's only Monday. We still got a few days to go, but, hopefully, it's a good hopefully, it goes well for you. It's all good. Craig, I had you booked in to have a bit of a follow-up conversation with, like, interrelation to accessing some more money. Just before I do, I do have to let you know our calls are recorded for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And due to security with you as well, we are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Did you get some downtime over the Christmas break at all, or it kept working? No? Oh, wow. Wow. Hopefully, you got those extra public holiday rates and earn some extra dosh over time. You pay more tax. That's it. That's it. They see it's all coming, don't they? No. That's it. Oh, good. Well, I had you booked in to have a bit of a chat. You wanted to access another 10% of your super. Is that right? Yeah. Absolutely. Perfect. So just to kinda go through the details there with you. Now having a bit of a look here, your balance at the moment is about sorry. Yeah. No. It's doing really, really well. It's about a 123,690. So in order to be able to access that 10%, we do move as much as we possibly can into that transition retirement account like we did last time. We do have to leave you're right. Sorry? Yep. Yeah. So we do actually have, yeah, you're right. We do have to leave the 10,000 behind, but we also have to leave the tax liability, which is slightly higher now. So it does mean for us I had a really good look at this this before the call. We do have to leave 13,000 behind in this into the super side of things, which means that we can transfer across about a 110,600 and 90. So 10% of that gives us approximately 11,069. Are you fairly comfortable with that sort of? Yep. Beautiful. And that is based on today's balance. So so long as the market doesn't take a major dip over the next few weeks, that should absolutely be fine. Now just sort of just wanna also find out. So with the withdrawal that you're after, any particular reason? So is this living expenses, or do you have something specific? Yeah. Okay. Yeah. Yeah. No. Abs yeah. Absolutely. That's not a problem at all. Now we do have two options. I can do it for you under a statement of advice, which means that I provide personal advice to you in relation to the withdrawal, give you the advantages, disadvantages, and the risks involved, and then you can make it your mind from there. It's the same the same way we did it last time. Alternatively, if you're comfortable with that, you can direct us to do it under a transaction without advice, which is obviously quicker, but it means that you understand that you're taking on the risks there, and we just get that withdrawal process and get you to sign the transaction without any advice and give you the risks. Did you want me to do it under advice? Yeah. Yeah. Yeah. It has been. Yeah. Well, the other thing I do wanna talk to you about and the reason I'm offering to do it under personal advice, and I can try to do it as quickly as I possibly can, With doing under personal advice, I also wanted to maybe look at swapping out one or two of your investments there as well. So Yeah. It's no. It's not. Yeah. So we've been along. They had been doing really well up into the point of November. And then in November, sort of mid November to December, they actually had a bit of a trading halt. One of their underlying investments, Corporate Traveler, had come out to the market and had been, unfortunately, dishonest to their investors and their reporting into the market. So then along had to go back and revalue that portion of their investment, which obviously meant that analysts went back and revalue Benelon as well. So whilst your portfolio as a whole for the entire year is up by 9.38%, which is great to see, Benelon as a whole, as an investment, is actually pulling your portfolio back now. So we've actually had to after December as the business go back and our licensees reviewed having Benelon in their portfolios. They've now said they wanna remove everybody out. So if you're comfortable with me doing so, I would like to provide the personal advice on helping you to withdraw those funds, but also then replace Benelon with something else and do it as a whole. Because whilst pulling the money out is tax free for yourself, there are obviously some CGT consequences. So I'd like to sort of be able to maybe move the money over, complete the withdrawal, and then possibly swap Benelon with something else for you and try to do it in the most tax effective manner. Would that be at all something you'd be open to me doing? Yes? Beautiful. I I would just generally expect it would take me about a week to complete the research there. So the March, which is not next week, the week after, would I be okay to book you in then to kinda go to that advice document and do it all then? Would that be okay? Yep. It's from the second. Yeah. I have the same time on the Tuesday, the third. Would that be okay for you at 05:00, Queensland time? Yeah. Yeah. Perfect. So I'll do it all under the advice for you. So you can obviously see it all. I know you know the you know about the 10% withdrawal and all the implications of doing so. But so we can also because selling them along down and putting something else in the place, there are tax consequences to your funds. So if we are gonna move some money to the the TTR account and withdraw to your bank account and then we're replacing Van Along, we might be able to work out a way in which that sort of alleviates some of the tax consequences on your super. So it provides you with the money, but so your super fund is also benefiting from that switch as well. Is that okay? Yeah. Oh, beaut beautiful. I also just wanted to run through a really quick risk profile question there with you. I know you are in that balance profile. I wouldn't expect you to change it all, but just wanted to make sure that we are doing things correctly and in line with your risk tolerance as well. I have when you spoke to my colleague, Samantha, you may have mentioned that you were wanting to hopefully retire around age 67. Is that still sort of the goal depending on how things go? Yeah. Yep. Beautiful. Excellent. It does give Absolutely. When we do look at your super, the next question here is asking about how how much risk you're happy to take in order to get the higher returns. So if you say looked at your super and you wanted to get the best possible returns, we need to tend generally take on a higher amount of risk. So do you feel comfortable taking on more risk for better returns? Would you see yourself in the middle or a bit lower? You alright? Yeah. Yep. Yeah. There's a lot going on, isn't there? No one's really very stable at the moment. No. Yeah. No. That's okay. And the next one here is just asking, if you looked at your state for the next sort of six months and it had fallen by 20%, how do you think you might be feeling? Are you wanting to put more money in? It's probably a buying opportunity. Are you feeling a bit concerned, wanna hold and wait and call us, or are you more likely to submit your losses and pay maybe move into something safer? Yep. Yeah. Yeah. Perfect. Excellent. It's a good answer. I love that one. And if you did see your super falling value, do you think you'd be a bit more concerned, anxious, cautious, or optimistic? How do you think you'd be feeling sort of? Yeah. Yep. Correct. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Yep. Yeah. Perfect. I love that answer. Lovely. Look. Having a look at that the way you have scored there, you are still in that balanced sort of environment, which does see about 60% of your super invested in those growth assets, so things like Australian shares, international shares, listed property, and also some commodities, like a bit of gold and silver there. And then the other sort of 40% in defensive investments, so lower risk, more cash producing things like cash bonds and fixed interest sort of scenario. That feels fairly comfortable for yourself taking on a little bit less risk in the market, protecting your capital, but still having some of those growth investments there. Yep. Yeah. Beautiful. The other thing I wanted to talk to you about is and it's a really good thing you made mention that you don't look at it a great deal, is that is since sort of November, December, it's been in the works for a lot longer than that. But we were able to sort of come up with a new sort of investment product called an estimate. It's a separately managed account. So at the moment, when you do look at your sofa, when you log in to Hub 24, that you can see all the underlying investments that you can see where the cash is essentially sitting. If you were if we were to look at moving you in this SMA, you actually wouldn't see all those underlying investments. All you would technically see is your balance, and you would see it allocated into the SMAs that we recommend, the blend of whichever SMAs we put you in. The benefit of having these sorts of products is that if, say, something happened like what's happened with Benelon, and the main thing reason we haven't moved Benelon already is that we technically can't. Because when we onboarded you, we gave you the list of investments and how we were gonna invest the money. We have to be able to talk and do reviews with you first before we happen to move those investments out. But the benefit if you wanted to look at this SMA product is that in there, as I mentioned, you only see the SMAs that you're in. But within those SMAs, we actually have anywhere between 20 to 50 different investment options. And the benefit to these sort of separately managed accounts is that in terms of change where the market's changed where investors might be underperforming, it allows us to be able to move those investments out without having to call and so you know what's happening. You do get change reports, and we can provide you with updates whenever we do make those changes, but it does allow us a lot more control around making changes to the portfolios as we need to without having to call and go, hey. This looks like it might be going bad. We wanna move it out. And often that happens after the fact. So, you know, trying to get 1,500 people in to kinda go through the changes in the market and get approvals to do these advice documents can take a bit of time, so it can be a little bit after the the change needs to occur. Would you Yeah. Yep. Yeah. Correct. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Well, the good news, yeah, the good news is that by not moving out of Benelong now, it has had a little bit of a rebalance sorry. A rebalance back. So you'd actually the market has called back by that sort of three to 5% from where it was down originally, but you are still seeing that down pretty significantly from where it should have been. But, yeah, the one of the good things about this estimated product is that we can make those changes for you. And last year, we did kinda get behind, and I do apologize. It was not any not anything anyone wanted. It was kind of a combination of a lot of different issues throughout the year with the the weather, the siphon that came through, then some changes within the business model as well. But, no, I absolutely do agree. And having that estimate product, if you're comfortable with looking at that, we could actually be making changes in there on a regular basis depending on what the market needs to happen. We'll still do reviews with you and review your risk level, make sure you're investing correctly. But it does mean we can move those sorts of investments out for you without having to call you and go, hey. This looks like it might be a problem. Can we move it out? And it does give us a bit more control around those aspects. And the estimate has been built by our investment committee, but also utilizing BlackRock. And BlackRock are one of Australia's largest investment firms. So we get to use their analysts and and their investment managers to kinda help build these sorts of investment portfolios, which is really cool. We can utilize some of the coolest brains in the in the industry. So if you're comfortable, I would do that. Yeah. Yep. Perfect. Lovely. Well, I've booked you back in there for the third sorry. The choose the March 3 at 5PM. In the meantime, I'll go back and do a little bit of research for you on the estimate. We do have a plan that shows you withdrawing those funds out of that TTR, then we'll roll it all back into the one account so we're not having to pay too much in the way of fees there, and also looking at those investment switches and how that can work for you. Okay? Yeah. Right. You absolutely would have when we first onboarded you, but let me just double check because we abs we do need it to be able to open the super account. Yes. Does it make sense? Yeah. That's okay. Let's have a bit of a look here for you. Okay. So it's not showing there, but I can go back into the system and go all the way back to double check what we had, which is really easy just to scroll back for you. Let's have a look. I do know with the tax file numbers, with the annual reviews at the moment, we are updating the consent for that, and they're doing a tax file opt in form. So that might be what she was talking about. This is important to update the consent for holding your tax file number, but I just wanna make sure we do have it on file for you as well. Yeah. Yeah. No. The way that essentially works is that we do when we onboard you originally, we do obtain the information for you, but we don't keep a record of it sitting in, like, a fact finder or anything. Anyone who when we provide it to your super fund, they have it. They hold it, but they mark it out. So it's actually redacted from any documents. And we have to do the same thing. We have to redact it to make sure that we're not holding it anywhere where it could get you know, could be misused in any way, shape, or form because it is very sensitive information for you. But we do I'll just also updating the consent form. So we have a what's called a tax file opt in form, which is always sent out with your annual review pack just to gain your updated consent for holding that for you. I can see the onboarding email here. Let's have a look now. There it is. We do have a record of it. Yeah. Yep. Perfect. So I'll get the the team to just make sure they've got that the opt in form completed. If it's not, I'll get it sent out to you when we go through the advice documents just so we're updating all those documents in there. But we definitely do have a copy of your tax phone number here for our records, all nicely redacted and protected for you. Okay? Excellent. All good, Craig. Is it the other thing I just wanna double check is because we are looking at withdrawing some money and making changes to the portfolio, one of the things we did kinda touch base on last time we caught up was the fact maybe looking at salary sacrifice down the track. Is that something you're wanting to look at down the track a bit more or you're not really yeah. Yep. Okay. Okay. Right. Yeah. Wow. Okay. Okay. So you're not wanting not wanting to consider it as part of this part of the advice. We'll maybe hold off for a bit longer until you're comfortable. Yep. Yep. Oh, yeah. Absolutely. Yeah. Yep. That's okay. Yeah. Yep. Yep. No. That's okay. That's not a problem at all. Well, what I'll do is I'll go back and do some research there for you. I'll factor in the withdrawal out of that ten percent. I'll also look at changing you over to the estimated product. I'll also look at other investments to make sure that if it's gonna be too tax ineffective for you that we can at least swap out that then along into something else, and I'll show you what I recommend. And then I'll show you the effect up into the age of 67 once we complete that as well. Is that okay? Does that sound right? Yep. Excellent. Is there anything else that you wanted me to factor into that at all? Or no. Oh, beautiful. Well, I'll get cracking on that for you there, Craig. I've booked you back in for two weeks, and we'll go through it together, and then you can let me know what you wanna do. Okay? No worries. You have a lovely day. Talk to you soon. Thanks. 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Craig. It's Dana from OQ Financial. How are you this afternoon? Good. I'm very well.\n\nThank you. How's your week been? Yeah. Absolutely. Look.\n\nIt's only Monday. We still got a few days to go, but, hopefully, it's a good hopefully, it goes well for you. It's all good. Craig, I had you booked in to have a bit of a follow-up conversation with, like, interrelation to accessing some more money. Just before I do, I do have to let you know our calls are recorded for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And due to security with you as well, we are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nBeautiful. Thank you so much for that. Did you get some downtime over the Christmas break at all, or it kept working? No? Oh, wow.\n\nWow. Hopefully, you got those extra public holiday rates and earn some extra dosh over time. You pay more tax. That's it. That's it.\n\nThey see it's all coming, don't they? No. That's it. Oh, good. Well, I had you booked in to have a bit of a chat.\n\nYou wanted to access another 10% of your super. Is that right? Yeah. Absolutely. Perfect.\n\nSo just to kinda go through the details there with you. Now having a bit of a look here, your balance at the moment is about sorry. Yeah. No. It's doing really, really well.\n\nIt's about a 123,690. So in order to be able to access that 10%, we do move as much as we possibly can into that transition retirement account like we did last time. We do have to leave you're right. Sorry? Yep.\n\nYeah. So we do actually have, yeah, you're right. We do have to leave the 10,000 behind, but we also have to leave the tax liability, which is slightly higher now. So it does mean for us I had a really good look at this this before the call. We do have to leave 13,000 behind in this into the super side of things, which means that we can transfer across about a 110,600 and 90.\n\nSo 10% of that gives us approximately 11,069. Are you fairly comfortable with that sort of? Yep. Beautiful. And that is based on today's balance.\n\nSo so long as the market doesn't take a major dip over the next few weeks, that should absolutely be fine. Now just sort of just wanna also find out. So with the withdrawal that you're after, any particular reason? So is this living expenses, or do you have something specific? Yeah.\n\nOkay. Yeah. Yeah. No. Abs yeah.\n\nAbsolutely. That's not a problem at all. Now we do have two options. I can do it for you under a statement of advice, which means that I provide personal advice to you in relation to the withdrawal, give you the advantages, disadvantages, and the risks involved, and then you can make it your mind from there. It's the same the same way we did it last time.\n\nAlternatively, if you're comfortable with that, you can direct us to do it under a transaction without advice, which is obviously quicker, but it means that you understand that you're taking on the risks there, and we just get that withdrawal process and get you to sign the transaction without any advice and give you the risks. Did you want me to do it under advice? Yeah. Yeah. Yeah.\n\nIt has been. Yeah. Well, the other thing I do wanna talk to you about and the reason I'm offering to do it under personal advice, and I can try to do it as quickly as I possibly can, With doing under personal advice, I also wanted to maybe look at swapping out one or two of your investments there as well. So Yeah. It's no.\n\nIt's not. Yeah. So we've been along. They had been doing really well up into the point of November. And then in November, sort of mid November to December, they actually had a bit of a trading halt.\n\nOne of their underlying investments, Corporate Traveler, had come out to the market and had been, unfortunately, dishonest to their investors and their reporting into the market. So then along had to go back and revalue that portion of their investment, which obviously meant that analysts went back and revalue Benelon as well. So whilst your portfolio as a whole for the entire year is up by 9.38%, which is great to see, Benelon as a whole, as an investment, is actually pulling your portfolio back now. So we've actually had to after December as the business go back and our licensees reviewed having Benelon in their portfolios. They've now said they wanna remove everybody out.\n\nSo if you're comfortable with me doing so, I would like to provide the personal advice on helping you to withdraw those funds, but also then replace Benelon with something else and do it as a whole. Because whilst pulling the money out is tax free for yourself, there are obviously some CGT consequences. So I'd like to sort of be able to maybe move the money over, complete the withdrawal, and then possibly swap Benelon with something else for you and try to do it in the most tax effective manner. Would that be at all something you'd be open to me doing? Yes?\n\nBeautiful. I I would just generally expect it would take me about a week to complete the research there. So the March, which is not next week, the week after, would I be okay to book you in then to kinda go to that advice document and do it all then? Would that be okay? Yep.\n\nIt's from the second. Yeah. I have the same time on the Tuesday, the third. Would that be okay for you at 05:00, Queensland time? Yeah.\n\nYeah. Perfect. So I'll do it all under the advice for you. So you can obviously see it all. I know you know the you know about the 10% withdrawal and all the implications of doing so.\n\nBut so we can also because selling them along down and putting something else in the place, there are tax consequences to your funds. So if we are gonna move some money to the the TTR account and withdraw to your bank account and then we're replacing Van Along, we might be able to work out a way in which that sort of alleviates some of the tax consequences on your super. So it provides you with the money, but so your super fund is also benefiting from that switch as well. Is that okay? Yeah.\n\nOh, beaut beautiful. I also just wanted to run through a really quick risk profile question there with you. I know you are in that balance profile. I wouldn't expect you to change it all, but just wanted to make sure that we are doing things correctly and in line with your risk tolerance as well. I have when you spoke to my colleague, Samantha, you may have mentioned that you were wanting to hopefully retire around age 67.\n\nIs that still sort of the goal depending on how things go? Yeah. Yep. Beautiful. Excellent.\n\nIt does give Absolutely. When we do look at your super, the next question here is asking about how how much risk you're happy to take in order to get the higher returns. So if you say looked at your super and you wanted to get the best possible returns, we need to tend generally take on a higher amount of risk. So do you feel comfortable taking on more risk for better returns? Would you see yourself in the middle or a bit lower?\n\nYou alright? Yeah. Yep. Yeah. There's a lot going on, isn't there?\n\nNo one's really very stable at the moment. No. Yeah. No. That's okay.\n\nAnd the next one here is just asking, if you looked at your state for the next sort of six months and it had fallen by 20%, how do you think you might be feeling? Are you wanting to put more money in? It's probably a buying opportunity. Are you feeling a bit concerned, wanna hold and wait and call us, or are you more likely to submit your losses and pay maybe move into something safer? Yep.\n\nYeah. Yeah. Perfect. Excellent. It's a good answer.\n\nI love that one. And if you did see your super falling value, do you think you'd be a bit more concerned, anxious, cautious, or optimistic? How do you think you'd be feeling sort of? Yeah. Yep.\n\nCorrect. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Yeah. Yep. Yeah. Perfect.\n\nI love that answer. Lovely. Look. Having a look at that the way you have scored there, you are still in that balanced sort of environment, which does see about 60% of your super invested in those growth assets, so things like Australian shares, international shares, listed property, and also some commodities, like a bit of gold and silver there. And then the other sort of 40% in defensive investments, so lower risk, more cash producing things like cash bonds and fixed interest sort of scenario.\n\nThat feels fairly comfortable for yourself taking on a little bit less risk in the market, protecting your capital, but still having some of those growth investments there. Yep. Yeah. Beautiful. The other thing I wanted to talk to you about is and it's a really good thing you made mention that you don't look at it a great deal, is that is since sort of November, December, it's been in the works for a lot longer than that.\n\nBut we were able to sort of come up with a new sort of investment product called an estimate. It's a separately managed account. So at the moment, when you do look at your sofa, when you log in to Hub 24, that you can see all the underlying investments that you can see where the cash is essentially sitting. If you were if we were to look at moving you in this SMA, you actually wouldn't see all those underlying investments. All you would technically see is your balance, and you would see it allocated into the SMAs that we recommend, the blend of whichever SMAs we put you in.\n\nThe benefit of having these sorts of products is that if, say, something happened like what's happened with Benelon, and the main thing reason we haven't moved Benelon already is that we technically can't. Because when we onboarded you, we gave you the list of investments and how we were gonna invest the money. We have to be able to talk and do reviews with you first before we happen to move those investments out. But the benefit if you wanted to look at this SMA product is that in there, as I mentioned, you only see the SMAs that you're in. But within those SMAs, we actually have anywhere between 20 to 50 different investment options.\n\nAnd the benefit to these sort of separately managed accounts is that in terms of change where the market's changed where investors might be underperforming, it allows us to be able to move those investments out without having to call and so you know what's happening. You do get change reports, and we can provide you with updates whenever we do make those changes, but it does allow us a lot more control around making changes to the portfolios as we need to without having to call and go, hey. This looks like it might be going bad. We wanna move it out. And often that happens after the fact.\n\nSo, you know, trying to get 1,500 people in to kinda go through the changes in the market and get approvals to do these advice documents can take a bit of time, so it can be a little bit after the the change needs to occur. Would you Yeah. Yep. Yeah. Correct.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. Well, the good news, yeah, the good news is that by not moving out of Benelong now, it has had a little bit of a rebalance sorry. A rebalance back. So you'd actually the market has called back by that sort of three to 5% from where it was down originally, but you are still seeing that down pretty significantly from where it should have been. But, yeah, the one of the good things about this estimated product is that we can make those changes for you.\n\nAnd last year, we did kinda get behind, and I do apologize. It was not any not anything anyone wanted. It was kind of a combination of a lot of different issues throughout the year with the the weather, the siphon that came through, then some changes within the business model as well. But, no, I absolutely do agree. And having that estimate product, if you're comfortable with looking at that, we could actually be making changes in there on a regular basis depending on what the market needs to happen.\n\nWe'll still do reviews with you and review your risk level, make sure you're investing correctly. But it does mean we can move those sorts of investments out for you without having to call you and go, hey. This looks like it might be a problem. Can we move it out? And it does give us a bit more control around those aspects.\n\nAnd the estimate has been built by our investment committee, but also utilizing BlackRock. And BlackRock are one of Australia's largest investment firms. So we get to use their analysts and and their investment managers to kinda help build these sorts of investment portfolios, which is really cool. We can utilize some of the coolest brains in the in the industry. So if you're comfortable, I would do that.\n\nYeah. Yep. Perfect. Lovely. Well, I've booked you back in there for the third sorry.\n\nThe choose the March 3 at 5PM. In the meantime, I'll go back and do a little bit of research for you on the estimate. We do have a plan that shows you withdrawing those funds out of that TTR, then we'll roll it all back into the one account so we're not having to pay too much in the way of fees there, and also looking at those investment switches and how that can work for you. Okay? Yeah.\n\nRight. You absolutely would have when we first onboarded you, but let me just double check because we abs we do need it to be able to open the super account. Yes. Does it make sense? Yeah.\n\nThat's okay. Let's have a bit of a look here for you. Okay. So it's not showing there, but I can go back into the system and go all the way back to double check what we had, which is really easy just to scroll back for you. Let's have a look.\n\nI do know with the tax file numbers, with the annual reviews at the moment, we are updating the consent for that, and they're doing a tax file opt in form. So that might be what she was talking about. This is important to update the consent for holding your tax file number, but I just wanna make sure we do have it on file for you as well. Yeah. Yeah.\n\nNo. The way that essentially works is that we do when we onboard you originally, we do obtain the information for you, but we don't keep a record of it sitting in, like, a fact finder or anything. Anyone who when we provide it to your super fund, they have it. They hold it, but they mark it out. So it's actually redacted from any documents.\n\nAnd we have to do the same thing. We have to redact it to make sure that we're not holding it anywhere where it could get you know, could be misused in any way, shape, or form because it is very sensitive information for you. But we do I'll just also updating the consent form. So we have a what's called a tax file opt in form, which is always sent out with your annual review pack just to gain your updated consent for holding that for you. I can see the onboarding email here.\n\nLet's have a look now. There it is. We do have a record of it. Yeah. Yep.\n\nPerfect. So I'll get the the team to just make sure they've got that the opt in form completed. If it's not, I'll get it sent out to you when we go through the advice documents just so we're updating all those documents in there. But we definitely do have a copy of your tax phone number here for our records, all nicely redacted and protected for you. Okay?\n\nExcellent. All good, Craig. Is it the other thing I just wanna double check is because we are looking at withdrawing some money and making changes to the portfolio, one of the things we did kinda touch base on last time we caught up was the fact maybe looking at salary sacrifice down the track. Is that something you're wanting to look at down the track a bit more or you're not really yeah. Yep.\n\nOkay. Okay. Right. Yeah. Wow.\n\nOkay. Okay. So you're not wanting not wanting to consider it as part of this part of the advice. We'll maybe hold off for a bit longer until you're comfortable. Yep.\n\nYep. Oh, yeah. Absolutely. Yeah. Yep.\n\nThat's okay. Yeah. Yep. Yep. No.\n\nThat's okay. That's not a problem at all. Well, what I'll do is I'll go back and do some research there for you. I'll factor in the withdrawal out of that ten percent. I'll also look at changing you over to the estimated product.\n\nI'll also look at other investments to make sure that if it's gonna be too tax ineffective for you that we can at least swap out that then along into something else, and I'll show you what I recommend. And then I'll show you the effect up into the age of 67 once we complete that as well. Is that okay? Does that sound right? Yep.\n\nExcellent. Is there anything else that you wanted me to factor into that at all? Or no. Oh, beautiful. Well, I'll get cracking on that for you there, Craig.\n\nI've booked you back in for two weeks, and we'll go through it together, and then you can let me know what you wanna do. Okay? No worries. You have a lovely day. Talk to you soon.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":6.56,"end":7.2,"sentiment":"neutral","sentiment_score":0.12288515642285347},{"text":"It's Dana from OQ Financial.","start":7.2,"end":8.74,"sentiment":"neutral","sentiment_score":0.17103435099124908},{"text":"How are you this afternoon?","start":8.8,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.203183513879776},{"text":"Good.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.44914087653160095},{"text":"I'm very well.","start":11.599999,"end":12.48,"sentiment":"positive","sentiment_score":0.5228452682495117}],"sentiment":"neutral","sentiment_score":0.25840851990506053,"num_words":16,"start":6.56,"end":12.48},{"sentences":[{"text":"Thank you.","start":12.48,"end":12.88,"sentiment":"positive","sentiment_score":0.5193695276975632},{"text":"How's your week been?","start":12.88,"end":14.179999,"sentiment":"neutral","sentiment_score":0.18950577825307846},{"text":"Yeah.","start":16.345,"end":16.845,"sentiment":"neutral","sentiment_score":0.11795313656330109},{"text":"Absolutely.","start":20.265,"end":20.765,"sentiment":"neutral","sentiment_score":0.26471662521362305},{"text":"Look.","start":20.825,"end":20.985,"sentiment":"neutral","sentiment_score":0.13773176074028015}],"sentiment":"neutral","sentiment_score":0.25746263232496047,"num_words":9,"start":12.48,"end":20.985},{"sentences":[{"text":"It's only Monday.","start":20.985,"end":21.705,"sentiment":"neutral","sentiment_score":0.04388398925463358},{"text":"We still got a few days to go, but, hopefully, it's a good hopefully, it goes well for you.","start":21.705,"end":26.125,"sentiment":"neutral","sentiment_score":0.09922317288031704},{"text":"It's all good.","start":28.265,"end":29.849998,"sentiment":"positive","sentiment_score":0.48445119460423786},{"text":"Craig, I had you booked in to have a bit of a follow-up conversation with, like, interrelation to accessing some more money.","start":29.91,"end":35.129997,"sentiment":"neutral","sentiment_score":0.061937901276079094},{"text":"Just before I do, I do have to let you know our calls are recorded for quality and training purposes.","start":35.43,"end":40.07,"sentiment":"neutral","sentiment_score":0.043713105469942094}],"sentiment":"neutral","sentiment_score":0.08518122050410776,"num_words":67,"start":20.985,"end":40.07},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":40.07,"end":42.075,"sentiment":"neutral","sentiment_score":0.08948359307315615},{"text":"Fantastic.","start":43.755,"end":44.235,"sentiment":"neutral","sentiment_score":0.06788423657417297},{"text":"And due to security with you as well, we are discussing your personal information.","start":44.235,"end":47.515,"sentiment":"neutral","sentiment_score":-0.002804040110536984},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file.","start":47.515,"end":51.615,"sentiment":"neutral","sentiment_score":0.011827344400808215},{"text":"Yep.","start":53.755,"end":54.09,"sentiment":"neutral","sentiment_score":0.012020759284496307}],"sentiment":"neutral","sentiment_score":0.024056614666349358,"num_words":45,"start":40.07,"end":54.09},{"sentences":[{"text":"Beautiful.","start":58.73,"end":59.23,"sentiment":"positive","sentiment_score":0.34527045488357544},{"text":"Thank you so much for that.","start":59.37,"end":60.489998,"sentiment":"positive","sentiment_score":0.3681519975264867},{"text":"Did you get some downtime over the Christmas break at all, or it kept working?","start":60.489998,"end":64.91,"sentiment":"neutral","sentiment_score":-0.050840771694978075},{"text":"No?","start":65.13,"end":65.63,"sentiment":"neutral","sentiment_score":-0.07307079434394836},{"text":"Oh, wow.","start":67.435005,"end":68.015,"sentiment":"neutral","sentiment_score":0.0061525264754891396}],"sentiment":"neutral","sentiment_score":0.06923220492899418,"num_words":25,"start":58.73,"end":68.015},{"sentences":[{"text":"Wow.","start":68.155,"end":68.555,"sentiment":"neutral","sentiment_score":0.01124434731900692},{"text":"Hopefully, you got those extra public holiday rates and earn some extra dosh over time.","start":68.555,"end":72.415,"sentiment":"neutral","sentiment_score":0.01596447005867958},{"text":"You pay more tax.","start":76.955,"end":78.175,"sentiment":"neutral","sentiment_score":-0.14331592619419098},{"text":"That's it.","start":78.715004,"end":79.615005,"sentiment":"neutral","sentiment_score":-0.2908637151122093},{"text":"That's it.","start":80.45,"end":80.93,"sentiment":"neutral","sentiment_score":-0.21714912354946136}],"sentiment":"neutral","sentiment_score":-0.055774082662537694,"num_words":24,"start":68.155,"end":80.93},{"sentences":[{"text":"They see it's all coming, don't they?","start":80.93,"end":82.71,"sentiment":"neutral","sentiment_score":-0.147701301745006},{"text":"No.","start":85.009995,"end":85.329994,"sentiment":"neutral","sentiment_score":-0.31057116389274597},{"text":"That's it.","start":85.329994,"end":86.229996,"sentiment":"neutral","sentiment_score":-0.23097509145736694},{"text":"Oh, good.","start":86.45,"end":86.93,"sentiment":"neutral","sentiment_score":0.0038203783333301544},{"text":"Well, I had you booked in to have a bit of a chat.","start":86.93,"end":88.689995,"sentiment":"neutral","sentiment_score":0.03105233466395965}],"sentiment":"neutral","sentiment_score":-0.05580437406897545,"num_words":25,"start":80.93,"end":88.689995},{"sentences":[{"text":"You wanted to access another 10% of your super.","start":88.689995,"end":91.49,"sentiment":"neutral","sentiment_score":0.0492513177709447},{"text":"Is that right?","start":91.49,"end":92.39,"sentiment":"neutral","sentiment_score":0.05391768862803777},{"text":"Yeah.","start":93.729996,"end":94.049995,"sentiment":"neutral","sentiment_score":0.31615570187568665},{"text":"Absolutely.","start":94.049995,"end":94.549995,"sentiment":"positive","sentiment_score":0.6530575752258301},{"text":"Perfect.","start":94.689995,"end":95.189995,"sentiment":"positive","sentiment_score":0.6945956945419312}],"sentiment":"neutral","sentiment_score":0.15125492649773756,"num_words":15,"start":88.689995,"end":95.189995},{"sentences":[{"text":"So just to kinda go through the details there with you.","start":95.25,"end":97.835,"sentiment":"neutral","sentiment_score":0.23695985024625604},{"text":"Now having a bit of a look here, your balance at the moment is about sorry.","start":97.835,"end":102.494995,"sentiment":"neutral","sentiment_score":0.017012520227581263},{"text":"Yeah.","start":104.715,"end":105.034996,"sentiment":"neutral","sentiment_score":0.04789341986179352},{"text":"No.","start":105.034996,"end":105.275,"sentiment":"neutral","sentiment_score":0.07322260737419128},{"text":"It's doing really, really well.","start":105.275,"end":106.975,"sentiment":"positive","sentiment_score":0.4175448715686798}],"sentiment":"neutral","sentiment_score":0.14963526651263237,"num_words":34,"start":95.25,"end":106.975},{"sentences":[{"text":"It's about a 123,690.","start":107.354996,"end":110.79,"sentiment":"neutral","sentiment_score":0.11587183736264706},{"text":"So in order to be able to access that 10%, we do move as much as we possibly can into that transition retirement account like we did last time.","start":110.79,"end":119.590004,"sentiment":"neutral","sentiment_score":0.11518660059262967},{"text":"We do have to leave you're right.","start":119.590004,"end":121.35,"sentiment":"neutral","sentiment_score":0.008669125348595636},{"text":"Sorry?","start":121.35,"end":121.85,"sentiment":"neutral","sentiment_score":-0.021393606439232823},{"text":"Yep.","start":128.955,"end":129.455,"sentiment":"neutral","sentiment_score":0.0882144570350647}],"sentiment":"neutral","sentiment_score":0.09360484511125833,"num_words":42,"start":107.354996,"end":129.455},{"sentences":[{"text":"Yeah.","start":137.515,"end":137.995,"sentiment":"neutral","sentiment_score":0.03323061764240265},{"text":"So we do actually have, yeah, you're right.","start":137.995,"end":140.75,"sentiment":"neutral","sentiment_score":0.018196327262558043},{"text":"We do have to leave the 10,000 behind, but we also have to leave the tax liability, which is slightly higher now.","start":140.75,"end":145.87,"sentiment":"neutral","sentiment_score":-0.05050196549431844},{"text":"So it does mean for us I had a really good look at this this before the call.","start":145.87,"end":150.43001,"sentiment":"neutral","sentiment_score":0.0788834672421217},{"text":"We do have to leave 13,000 behind in this into the super side of things, which means that we can transfer across about a 110,600 and 90.","start":150.43001,"end":160.175,"sentiment":"neutral","sentiment_score":0.02132374110321204}],"sentiment":"neutral","sentiment_score":0.013992123881747065,"num_words":76,"start":137.515,"end":160.175},{"sentences":[{"text":"So 10% of that gives us approximately 11,069.","start":160.175,"end":164.275,"sentiment":"neutral","sentiment_score":0.032213868806138635},{"text":"Are you fairly comfortable with that sort of?","start":164.41501,"end":166.65,"sentiment":"neutral","sentiment_score":0.06032079318538308},{"text":"Yep.","start":166.89,"end":167.39,"sentiment":"neutral","sentiment_score":0.11815711855888368},{"text":"Beautiful.","start":168.56999,"end":169.06999,"sentiment":"positive","sentiment_score":0.5671374797821045},{"text":"And that is based on today's balance.","start":169.12999,"end":171.39,"sentiment":"positive","sentiment_score":0.3747887739113399}],"sentiment":"neutral","sentiment_score":0.16196373246610166,"num_words":25,"start":160.175,"end":171.39},{"sentences":[{"text":"So so long as the market doesn't take a major dip over the next few weeks, that should absolutely be fine.","start":171.45,"end":176.51,"sentiment":"neutral","sentiment_score":0.27412012893529164},{"text":"Now just sort of just wanna also find out.","start":177.04999,"end":179.93,"sentiment":"neutral","sentiment_score":0.06126681715250015},{"text":"So with the withdrawal that you're after, any particular reason?","start":179.93,"end":183.005,"sentiment":"neutral","sentiment_score":0.027814142033457757},{"text":"So is this living expenses, or do you have something specific?","start":183.005,"end":185.665,"sentiment":"neutral","sentiment_score":-0.004284233701500026},{"text":"Yeah.","start":187.085,"end":187.585,"sentiment":"neutral","sentiment_score":0.026177454739809036}],"sentiment":"neutral","sentiment_score":0.12625223781483677,"num_words":52,"start":171.45,"end":187.585},{"sentences":[{"text":"Okay.","start":188.605,"end":189.105,"sentiment":"neutral","sentiment_score":-0.14093399047851562},{"text":"Yeah.","start":194.525,"end":195.025,"sentiment":"neutral","sentiment_score":0.17076261341571808},{"text":"Yeah.","start":199.81001,"end":200.21,"sentiment":"neutral","sentiment_score":0.00826242659240961},{"text":"No.","start":200.21,"end":200.53001,"sentiment":"neutral","sentiment_score":-0.13097485899925232},{"text":"Abs yeah.","start":200.53001,"end":203.59001,"sentiment":"neutral","sentiment_score":-0.15570520982146263}],"sentiment":"neutral","sentiment_score":-0.06738237151876092,"num_words":6,"start":188.605,"end":203.59001},{"sentences":[{"text":"Absolutely.","start":205.25,"end":205.75,"sentiment":"positive","sentiment_score":0.40492331981658936},{"text":"That's not a problem at all.","start":205.81001,"end":207.17001,"sentiment":"positive","sentiment_score":0.49777186413606006},{"text":"Now we do have two options.","start":207.17001,"end":208.945,"sentiment":"neutral","sentiment_score":0.30304567019144696},{"text":"I can do it for you under a statement of advice, which means that I provide personal advice to you in relation to the withdrawal, give you the advantages, disadvantages, and the risks involved, and then you can make it your mind from there.","start":208.945,"end":219.985,"sentiment":"neutral","sentiment_score":0.29532533562318847},{"text":"It's the same the same way we did it last time.","start":219.985,"end":222.6,"sentiment":"positive","sentiment_score":0.3836765858260068}],"sentiment":"neutral","sentiment_score":0.329773319666,"num_words":68,"start":205.25,"end":222.6},{"sentences":[{"text":"Alternatively, if you're comfortable with that, you can direct us to do it under a transaction without advice, which is obviously quicker, but it means that you understand that you're taking on the risks there, and we just get that withdrawal process and get you to sign the transaction without any advice and give you the risks.","start":222.92001,"end":238.095,"sentiment":"neutral","sentiment_score":0.2835515354547584},{"text":"Did you want me to do it under advice?","start":238.095,"end":240.515,"sentiment":"neutral","sentiment_score":-0.05776099612315496},{"text":"Yeah.","start":248.815,"end":249.315,"sentiment":"neutral","sentiment_score":0.19588547945022583},{"text":"Yeah.","start":256.11,"end":256.61,"sentiment":"neutral","sentiment_score":0.015521366149187088},{"text":"Yeah.","start":262.99,"end":263.49,"sentiment":"neutral","sentiment_score":0.09550954401493073}],"sentiment":"neutral","sentiment_score":0.23115224558590114,"num_words":69,"start":222.92001,"end":263.49},{"sentences":[{"text":"It has been.","start":268.245,"end":269.465,"sentiment":"neutral","sentiment_score":-0.04346449548999468},{"text":"Yeah.","start":270.485,"end":270.985,"sentiment":"neutral","sentiment_score":-0.04758470878005028},{"text":"Well, the other thing I do wanna talk to you about and the reason I'm offering to do it under personal advice, and I can try to do it as quickly as I possibly can, With doing under personal advice, I also wanted to maybe look at swapping out one or two of your investments there as well.","start":271.205,"end":284.30002,"sentiment":"neutral","sentiment_score":0.09637954522823465},{"text":"So Yeah.","start":284.30002,"end":294.82498,"sentiment":"neutral","sentiment_score":-0.054403641261160374},{"text":"It's no.","start":294.82498,"end":296.50497,"sentiment":"neutral","sentiment_score":-0.25406353175640106}],"sentiment":"neutral","sentiment_score":0.07265304669624928,"num_words":66,"start":268.245,"end":296.50497},{"sentences":[{"text":"It's not.","start":296.50497,"end":297.405,"sentiment":"neutral","sentiment_score":-0.22355719655752182},{"text":"Yeah.","start":298.50497,"end":298.985,"sentiment":"neutral","sentiment_score":-0.08195045590400696},{"text":"So we've been along.","start":298.985,"end":300.185,"sentiment":"neutral","sentiment_score":-0.12687880359590054},{"text":"They had been doing really well up into the point of November.","start":300.185,"end":303.465,"sentiment":"neutral","sentiment_score":-0.0955376277367274},{"text":"And then in November, sort of mid November to December, they actually had a bit of a trading halt.","start":303.465,"end":308.39,"sentiment":"negative","sentiment_score":-0.3647494723922328}],"sentiment":"neutral","sentiment_score":-0.23982293609725802,"num_words":38,"start":296.50497,"end":308.39},{"sentences":[{"text":"One of their underlying investments, Corporate Traveler, had come out to the market and had been, unfortunately, dishonest to their investors and their reporting into the market.","start":308.39,"end":317.51,"sentiment":"negative","sentiment_score":-0.5421867558249721},{"text":"So then along had to go back and revalue that portion of their investment, which obviously meant that analysts went back and revalue Benelon as well.","start":317.51,"end":325.635,"sentiment":"neutral","sentiment_score":-0.20191866159439087},{"text":"So whilst your portfolio as a whole for the entire year is up by 9.38%, which is great to see, Benelon as a whole, as an investment, is actually pulling your portfolio back now.","start":325.635,"end":337.34003,"sentiment":"neutral","sentiment_score":0.22647872611003764},{"text":"So we've actually had to after December as the business go back and our licensees reviewed having Benelon in their portfolios.","start":337.34003,"end":344.24002,"sentiment":"neutral","sentiment_score":-0.20243526250123978},{"text":"They've now said they wanna remove everybody out.","start":344.715,"end":347.355,"sentiment":"negative","sentiment_score":-0.37289590388536453}],"sentiment":"neutral","sentiment_score":-0.16743929883272485,"num_words":116,"start":308.39,"end":347.355},{"sentences":[{"text":"So if you're comfortable with me doing so, I would like to provide the personal advice on helping you to withdraw those funds, but also then replace Benelon with something else and do it as a whole.","start":347.355,"end":358.715,"sentiment":"neutral","sentiment_score":0.15584408325722088},{"text":"Because whilst pulling the money out is tax free for yourself, there are obviously some CGT consequences.","start":358.715,"end":365.64,"sentiment":"neutral","sentiment_score":-0.09193297141395948},{"text":"So I'd like to sort of be able to maybe move the money over, complete the withdrawal, and then possibly swap Benelon with something else for you and try to do it in the most tax effective manner.","start":365.86002,"end":375.415,"sentiment":"neutral","sentiment_score":0.18385618591779157},{"text":"Would that be at all something you'd be open to me doing?","start":375.415,"end":378.075,"sentiment":"neutral","sentiment_score":0.21538914119203886},{"text":"Yes?","start":378.295,"end":378.795,"sentiment":"neutral","sentiment_score":0.15436844527721405}],"sentiment":"neutral","sentiment_score":0.13265660734226306,"num_words":105,"start":347.355,"end":378.795},{"sentences":[{"text":"Beautiful.","start":380.05502,"end":380.55502,"sentiment":"positive","sentiment_score":0.6884929537773132},{"text":"I I would just generally expect it would take me about a week to complete the research there.","start":381.095,"end":385.89502,"sentiment":"neutral","sentiment_score":0.10554393836193615},{"text":"So the March, which is not next week, the week after, would I be okay to book you in then to kinda go to that advice document and do it all then?","start":385.89502,"end":394.36002,"sentiment":"neutral","sentiment_score":0.08794038149062544},{"text":"Would that be okay?","start":394.36002,"end":395.42,"sentiment":"neutral","sentiment_score":0.04875676520168781},{"text":"Yep.","start":396.84003,"end":397.34003,"sentiment":"neutral","sentiment_score":0.06833916157484055}],"sentiment":"neutral","sentiment_score":0.10117396918524589,"num_words":56,"start":380.05502,"end":397.34003},{"sentences":[{"text":"It's from the second.","start":399.40002,"end":400.54,"sentiment":"neutral","sentiment_score":0.03652750700712204},{"text":"Yeah.","start":402.79498,"end":403.035,"sentiment":"neutral","sentiment_score":0.05630305036902428},{"text":"I have the same time on the Tuesday, the third.","start":403.035,"end":406.155,"sentiment":"neutral","sentiment_score":0.04969324991106987},{"text":"Would that be okay for you at 05:00, Queensland time?","start":406.155,"end":409.91498,"sentiment":"neutral","sentiment_score":0.043541987985372545},{"text":"Yeah.","start":409.91498,"end":410.41498,"sentiment":"neutral","sentiment_score":0.0255660992115736}],"sentiment":"neutral","sentiment_score":0.04462813679128885,"num_words":26,"start":399.40002,"end":410.41498},{"sentences":[{"text":"Yeah.","start":412.315,"end":412.815,"sentiment":"neutral","sentiment_score":0.046777576208114624},{"text":"Perfect.","start":414.235,"end":414.735,"sentiment":"positive","sentiment_score":0.4574741125106811},{"text":"So I'll do it all under the advice for you.","start":415.195,"end":417.17,"sentiment":"neutral","sentiment_score":0.28637067377567293},{"text":"So you can obviously see it all.","start":417.17,"end":418.53,"sentiment":"neutral","sentiment_score":0.1197125603045736},{"text":"I know you know the you know about the 10% withdrawal and all the implications of doing so.","start":418.53,"end":422.53,"sentiment":"neutral","sentiment_score":0.04380918335583475}],"sentiment":"neutral","sentiment_score":0.13498680132466392,"num_words":37,"start":412.315,"end":422.53},{"sentences":[{"text":"But so we can also because selling them along down and putting something else in the place, there are tax consequences to your funds.","start":422.53,"end":429.01,"sentiment":"neutral","sentiment_score":-0.026586108841001987},{"text":"So if we are gonna move some money to the the TTR account and withdraw to your bank account and then we're replacing Van Along, we might be able to work out a way in which that sort of alleviates some of the tax consequences on your super.","start":429.01,"end":440.655,"sentiment":"neutral","sentiment_score":0.18623116224383315},{"text":"So it provides you with the money, but so your super fund is also benefiting from that switch as well.","start":440.655,"end":445.6,"sentiment":"positive","sentiment_score":0.3371765956282616},{"text":"Is that okay?","start":445.6,"end":446.58,"sentiment":"neutral","sentiment_score":0.15896048148473105},{"text":"Yeah.","start":447.03998,"end":447.53998,"sentiment":"neutral","sentiment_score":0.13670171797275543}],"sentiment":"neutral","sentiment_score":0.16310566927616796,"num_words":96,"start":422.53,"end":447.53998},{"sentences":[{"text":"Oh, beaut beautiful.","start":448.16,"end":450.5,"sentiment":"positive","sentiment_score":0.35695335268974304},{"text":"I also just wanted to run through a really quick risk profile question there with you.","start":451.28,"end":455.03998,"sentiment":"neutral","sentiment_score":0.02723355614580214},{"text":"I know you are in that balance profile.","start":455.03998,"end":456.8,"sentiment":"neutral","sentiment_score":0.0015708759892731905},{"text":"I wouldn't expect you to change it all, but just wanted to make sure that we are doing things correctly and in line with your risk tolerance as well.","start":456.8,"end":464.375,"sentiment":"neutral","sentiment_score":0.03839311556055628},{"text":"I have when you spoke to my colleague, Samantha, you may have mentioned that you were wanting to hopefully retire around age 67.","start":465.07498,"end":471.3,"sentiment":"neutral","sentiment_score":0.02124763928029848}],"sentiment":"neutral","sentiment_score":0.03950962049391451,"num_words":79,"start":448.16,"end":471.3},{"sentences":[{"text":"Is that still sort of the goal depending on how things go?","start":471.3,"end":474.28,"sentiment":"neutral","sentiment_score":0.02664639599000414},{"text":"Yeah.","start":475.94,"end":476.44,"sentiment":"neutral","sentiment_score":0.0053049735724925995},{"text":"Yep.","start":477.3,"end":477.8,"sentiment":"neutral","sentiment_score":0.06201355904340744},{"text":"Beautiful.","start":479.06,"end":479.56,"sentiment":"positive","sentiment_score":0.573786735534668},{"text":"Excellent.","start":479.78,"end":480.28,"sentiment":"positive","sentiment_score":0.6374554634094238}],"sentiment":"neutral","sentiment_score":0.0998948427150026,"num_words":16,"start":471.3,"end":480.28},{"sentences":[{"text":"It does give Absolutely.","start":480.34,"end":482.76,"sentiment":"neutral","sentiment_score":0.19334330409765244},{"text":"When we do look at your super, the next question here is asking about how how much risk you're happy to take in order to get the higher returns.","start":484.30502,"end":491.125,"sentiment":"neutral","sentiment_score":0.04221692163164021},{"text":"So if you say looked at your super and you wanted to get the best possible returns, we need to tend generally take on a higher amount of risk.","start":491.185,"end":498.39,"sentiment":"neutral","sentiment_score":0.013361302686148676},{"text":"So do you feel comfortable taking on more risk for better returns?","start":498.39,"end":501.45,"sentiment":"neutral","sentiment_score":-0.013718071083227793},{"text":"Would you see yourself in the middle or a bit lower?","start":501.75,"end":504.17,"sentiment":"neutral","sentiment_score":-0.22167938270352103}],"sentiment":"neutral","sentiment_score":-0.0025640981309526766,"num_words":85,"start":480.34,"end":504.17},{"sentences":[{"text":"You alright?","start":504.47,"end":505.05,"sentiment":"neutral","sentiment_score":-0.1111190803349018},{"text":"Yeah.","start":508.39,"end":508.89,"sentiment":"neutral","sentiment_score":-0.10569698363542555},{"text":"Yep.","start":510.23,"end":510.73,"sentiment":"neutral","sentiment_score":-0.07306914031505585},{"text":"Yeah.","start":513.015,"end":513.515,"sentiment":"neutral","sentiment_score":-0.10696397721767426},{"text":"There's a lot going on, isn't there?","start":514.615,"end":516.375,"sentiment":"neutral","sentiment_score":-0.09429696947336197}],"sentiment":"neutral","sentiment_score":-0.09733725401262443,"num_words":12,"start":504.47,"end":516.375},{"sentences":[{"text":"No one's really very stable at the moment.","start":516.375,"end":518.235,"sentiment":"neutral","sentiment_score":-0.20513744838535786},{"text":"No.","start":519.655,"end":520.155,"sentiment":"neutral","sentiment_score":-0.12796926498413086},{"text":"Yeah.","start":521.175,"end":521.575,"sentiment":"neutral","sentiment_score":-0.07523016631603241},{"text":"No.","start":521.575,"end":521.735,"sentiment":"neutral","sentiment_score":-0.1218150481581688},{"text":"That's okay.","start":521.735,"end":522.635,"sentiment":"neutral","sentiment_score":-0.06772281974554062}],"sentiment":"neutral","sentiment_score":-0.1616584389255597,"num_words":13,"start":516.375,"end":522.635},{"sentences":[{"text":"And the next one here is just asking, if you looked at your state for the next sort of six months and it had fallen by 20%, how do you think you might be feeling?","start":523.43,"end":530.87,"sentiment":"neutral","sentiment_score":-0.059239226473229274},{"text":"Are you wanting to put more money in?","start":530.87,"end":532.31,"sentiment":"neutral","sentiment_score":-0.06475122505798936},{"text":"It's probably a buying opportunity.","start":532.31,"end":533.77,"sentiment":"neutral","sentiment_score":-0.036189877241849897},{"text":"Are you feeling a bit concerned, wanna hold and wait and call us, or are you more likely to submit your losses and pay maybe move into something safer?","start":534.23,"end":541.725,"sentiment":"neutral","sentiment_score":-0.1330004732670455},{"text":"Yep.","start":546.745,"end":547.245,"sentiment":"neutral","sentiment_score":-0.0003101664478890598}],"sentiment":"neutral","sentiment_score":-0.08499558980036408,"num_words":78,"start":523.43,"end":547.245},{"sentences":[{"text":"Yeah.","start":552.07,"end":552.57,"sentiment":"neutral","sentiment_score":-0.03538572043180466},{"text":"Yeah.","start":556.87,"end":557.37,"sentiment":"neutral","sentiment_score":-0.01375294290482998},{"text":"Perfect.","start":560.07,"end":560.57,"sentiment":"positive","sentiment_score":0.7291148900985718},{"text":"Excellent.","start":561.19,"end":561.69,"sentiment":"positive","sentiment_score":0.7940429449081421},{"text":"It's a good answer.","start":561.83,"end":562.63,"sentiment":"positive","sentiment_score":0.7385415732860565}],"sentiment":"positive","sentiment_score":0.5535231831017882,"num_words":8,"start":552.07,"end":562.63},{"sentences":[{"text":"I love that one.","start":562.63,"end":563.475,"sentiment":"positive","sentiment_score":0.8088227957487106},{"text":"And if you did see your super falling value, do you think you'd be a bit more concerned, anxious, cautious, or optimistic?","start":563.95496,"end":570.13495,"sentiment":"neutral","sentiment_score":-0.09145880456675183},{"text":"How do you think you'd be feeling sort of?","start":570.19495,"end":572.21497,"sentiment":"neutral","sentiment_score":-0.08336083052886857},{"text":"Yeah.","start":576.19495,"end":576.69495,"sentiment":"neutral","sentiment_score":-0.01533476822078228},{"text":"Yep.","start":585.46,"end":585.96,"sentiment":"neutral","sentiment_score":0.08246985077857971}],"sentiment":"neutral","sentiment_score":0.01459689433308872,"num_words":37,"start":562.63,"end":585.96},{"sentences":[{"text":"Correct.","start":596.745,"end":597.245,"sentiment":"neutral","sentiment_score":0.05648219585418701},{"text":"Yeah.","start":597.70496,"end":598.20496,"sentiment":"neutral","sentiment_score":0.05809317156672478},{"text":"Yeah.","start":603.09,"end":603.59,"sentiment":"neutral","sentiment_score":0.07290593534708023},{"text":"Absolutely.","start":606.93005,"end":607.43005,"sentiment":"neutral","sentiment_score":0.12201327085494997},{"text":"Yeah.","start":608.29004,"end":608.79004,"sentiment":"neutral","sentiment_score":0.05781392380595207}],"sentiment":"neutral","sentiment_score":0.07346169948577881,"num_words":5,"start":596.745,"end":608.79004},{"sentences":[{"text":"Yeah.","start":617.25,"end":617.715,"sentiment":"neutral","sentiment_score":0.030431654304265976},{"text":"Yeah.","start":619.715,"end":620.215,"sentiment":"neutral","sentiment_score":-0.021807998418807983},{"text":"Yep.","start":621.155,"end":621.655,"sentiment":"neutral","sentiment_score":-0.017796993255615234},{"text":"Yeah.","start":621.875,"end":622.375,"sentiment":"neutral","sentiment_score":-0.06889919191598892},{"text":"Perfect.","start":626.275,"end":626.775,"sentiment":"positive","sentiment_score":0.6083499193191528}],"sentiment":"neutral","sentiment_score":0.10605547800660134,"num_words":5,"start":617.25,"end":626.775},{"sentences":[{"text":"I love that answer.","start":626.91504,"end":627.875,"sentiment":"positive","sentiment_score":0.7668018043041229},{"text":"Lovely.","start":627.875,"end":628.375,"sentiment":"positive","sentiment_score":0.6889218091964722},{"text":"Look.","start":628.435,"end":628.67505,"sentiment":"neutral","sentiment_score":-0.035840485244989395},{"text":"Having a look at that the way you have scored there, you are still in that balanced sort of environment, which does see about 60% of your super invested in those growth assets, so things like Australian shares, international shares, listed property, and also some commodities, like a bit of gold and silver there.","start":628.67505,"end":642.97003,"sentiment":"positive","sentiment_score":0.4346694791758502},{"text":"And then the other sort of 40% in defensive investments, so lower risk, more cash producing things like cash bonds and fixed interest sort of scenario.","start":642.97003,"end":651.82495,"sentiment":"neutral","sentiment_score":0.24487899988889694}],"sentiment":"positive","sentiment_score":0.3902243536485489,"num_words":86,"start":626.91504,"end":651.82495},{"sentences":[{"text":"That feels fairly comfortable for yourself taking on a little bit less risk in the market, protecting your capital, but still having some of those growth investments there.","start":651.82495,"end":659.845,"sentiment":"positive","sentiment_score":0.3822968767157623},{"text":"Yep.","start":661.02496,"end":661.52496,"sentiment":"neutral","sentiment_score":0.2166642993688583},{"text":"Yeah.","start":662.17,"end":662.49,"sentiment":"positive","sentiment_score":0.4426998496055603},{"text":"Beautiful.","start":662.49,"end":662.99,"sentiment":"positive","sentiment_score":0.6183041930198669},{"text":"The other thing I wanted to talk to you about is and it's a really good thing you made mention that you don't look at it a great deal, is that is since sort of November, December, it's been in the works for a lot longer than that.","start":663.45,"end":675.895,"sentiment":"neutral","sentiment_score":0.24240862019360065}],"sentiment":"neutral","sentiment_score":0.2989568944218792,"num_words":79,"start":651.82495,"end":675.895},{"sentences":[{"text":"But we were able to sort of come up with a new sort of investment product called an estimate.","start":675.895,"end":680.375,"sentiment":"neutral","sentiment_score":0.18711609354144648},{"text":"It's a separately managed account.","start":680.375,"end":681.815,"sentiment":"neutral","sentiment_score":0.10717692971229553},{"text":"So at the moment, when you do look at your sofa, when you log in to Hub 24, that you can see all the underlying investments that you can see where the cash is essentially sitting.","start":681.815,"end":691.59,"sentiment":"neutral","sentiment_score":0.09562474768608809},{"text":"If you were if we were to look at moving you in this SMA, you actually wouldn't see all those underlying investments.","start":692.13,"end":698.45,"sentiment":"neutral","sentiment_score":0.006937738105824048},{"text":"All you would technically see is your balance, and you would see it allocated into the SMAs that we recommend, the blend of whichever SMAs we put you in.","start":698.45,"end":706.175,"sentiment":"neutral","sentiment_score":0.0897497889296762}],"sentiment":"neutral","sentiment_score":0.09269329243096279,"num_words":111,"start":675.895,"end":706.175},{"sentences":[{"text":"The benefit of having these sorts of products is that if, say, something happened like what's happened with Benelon, and the main thing reason we haven't moved Benelon already is that we technically can't.","start":706.635,"end":716.255,"sentiment":"neutral","sentiment_score":0.08269424407797701},{"text":"Because when we onboarded you, we gave you the list of investments and how we were gonna invest the money.","start":716.315,"end":721.58,"sentiment":"neutral","sentiment_score":0.06398092303425074},{"text":"We have to be able to talk and do reviews with you first before we happen to move those investments out.","start":721.58,"end":726.48,"sentiment":"neutral","sentiment_score":0.020588406672080357},{"text":"But the benefit if you wanted to look at this SMA product is that in there, as I mentioned, you only see the SMAs that you're in.","start":726.54,"end":733.78503,"sentiment":"neutral","sentiment_score":0.13618873418481262},{"text":"But within those SMAs, we actually have anywhere between 20 to 50 different investment options.","start":733.78503,"end":739.085,"sentiment":"neutral","sentiment_score":0.09987912923097611}],"sentiment":"neutral","sentiment_score":0.08289625693080771,"num_words":117,"start":706.635,"end":739.085},{"sentences":[{"text":"And the benefit to these sort of separately managed accounts is that in terms of change where the market's changed where investors might be underperforming, it allows us to be able to move those investments out without having to call and so you know what's happening.","start":739.22504,"end":751.85,"sentiment":"neutral","sentiment_score":0.3112823555003042},{"text":"You do get change reports, and we can provide you with updates whenever we do make those changes, but it does allow us a lot more control around making changes to the portfolios as we need to without having to call and go, hey.","start":751.99,"end":763.655,"sentiment":"neutral","sentiment_score":0.27596191790970886},{"text":"This looks like it might be going bad.","start":763.655,"end":765.655,"sentiment":"neutral","sentiment_score":-0.16027015447616577},{"text":"We wanna move it out.","start":765.655,"end":766.855,"sentiment":"neutral","sentiment_score":-0.05538277328014374},{"text":"And often that happens after the fact.","start":766.855,"end":768.935,"sentiment":"neutral","sentiment_score":-0.005361303154911315}],"sentiment":"neutral","sentiment_score":0.2260428046976978,"num_words":110,"start":739.22504,"end":768.935},{"sentences":[{"text":"So, you know, trying to get 1,500 people in to kinda go through the changes in the market and get approvals to do these advice documents can take a bit of time, so it can be a little bit after the the change needs to occur.","start":768.935,"end":782.23004,"sentiment":"neutral","sentiment_score":0.005600805353859197},{"text":"Would you Yeah.","start":782.53,"end":784.71,"sentiment":"positive","sentiment_score":0.4312923749287923},{"text":"Yep.","start":785.49,"end":785.99,"sentiment":"neutral","sentiment_score":0.11518313735723495},{"text":"Yeah.","start":790.21,"end":790.69,"sentiment":"neutral","sentiment_score":0.003273298963904381},{"text":"Correct.","start":790.69,"end":791.19,"sentiment":"neutral","sentiment_score":-0.009314842522144318}],"sentiment":"neutral","sentiment_score":0.0319356877858249,"num_words":52,"start":768.935,"end":791.19},{"sentences":[{"text":"Yeah.","start":791.41003,"end":791.91003,"sentiment":"neutral","sentiment_score":-0.06240822747349739},{"text":"Yeah.","start":792.045,"end":792.545,"sentiment":"neutral","sentiment_score":-0.16729134321212769},{"text":"Yeah.","start":800.0325,"end":800.5325,"sentiment":"neutral","sentiment_score":-0.20669665932655337},{"text":"Yeah.","start":808.10004,"end":808.42004,"sentiment":"neutral","sentiment_score":-0.07493236660957336},{"text":"Yeah.","start":808.42004,"end":808.66003,"sentiment":"neutral","sentiment_score":-0.03961766138672829}],"sentiment":"neutral","sentiment_score":-0.11018925160169601,"num_words":5,"start":791.41003,"end":808.66003},{"sentences":[{"text":"Absolutely.","start":808.66003,"end":809.14,"sentiment":"neutral","sentiment_score":0.021640365943312645},{"text":"Well, the good news, yeah, the good news is that by not moving out of Benelong now, it has had a little bit of a rebalance sorry.","start":809.14,"end":816.66003,"sentiment":"neutral","sentiment_score":-0.12129060289374104},{"text":"A rebalance back.","start":816.66003,"end":817.78,"sentiment":"neutral","sentiment_score":-0.09790343542893727},{"text":"So you'd actually the market has called back by that sort of three to 5% from where it was down originally, but you are still seeing that down pretty significantly from where it should have been.","start":817.78,"end":827.845,"sentiment":"neutral","sentiment_score":-0.18106537353661326},{"text":"But, yeah, the one of the good things about this estimated product is that we can make those changes for you.","start":828.225,"end":832.8,"sentiment":"positive","sentiment_score":0.65191507765225}],"sentiment":"neutral","sentiment_score":0.04119257914664393,"num_words":88,"start":808.66003,"end":832.8},{"sentences":[{"text":"And last year, we did kinda get behind, and I do apologize.","start":833.27997,"end":836.1,"sentiment":"neutral","sentiment_score":-0.07051731335620086},{"text":"It was not any not anything anyone wanted.","start":836.16,"end":838.39996,"sentiment":"neutral","sentiment_score":-0.2539013419300318},{"text":"It was kind of a combination of a lot of different issues throughout the year with the the weather, the siphon that came through, then some changes within the business model as well.","start":838.39996,"end":846.705,"sentiment":"neutral","sentiment_score":-0.07334459144057649},{"text":"But, no, I absolutely do agree.","start":847.025,"end":848.54504,"sentiment":"neutral","sentiment_score":0.1431281864643097},{"text":"And having that estimate product, if you're comfortable with looking at that, we could actually be making changes in there on a regular basis depending on what the market needs to happen.","start":848.54504,"end":857.425,"sentiment":"neutral","sentiment_score":0.24082756461575627}],"sentiment":"neutral","sentiment_score":0.03590616673886121,"num_words":91,"start":833.27997,"end":857.425},{"sentences":[{"text":"We'll still do reviews with you and review your risk level, make sure you're investing correctly.","start":857.425,"end":861.685,"sentiment":"neutral","sentiment_score":0.11168795172125101},{"text":"But it does mean we can move those sorts of investments out for you without having to call you and go, hey.","start":862.06,"end":867.42004,"sentiment":"neutral","sentiment_score":0.16208100928501648},{"text":"This looks like it might be a problem.","start":867.42004,"end":868.94,"sentiment":"neutral","sentiment_score":-0.04416907811537385},{"text":"Can we move it out?","start":868.94,"end":870.24005,"sentiment":"neutral","sentiment_score":0.02590208053588867},{"text":"And it does give us a bit more control around those aspects.","start":870.30005,"end":873.02,"sentiment":"neutral","sentiment_score":0.1804004100461801}],"sentiment":"neutral","sentiment_score":0.11577384333525385,"num_words":63,"start":857.425,"end":873.02},{"sentences":[{"text":"And the estimate has been built by our investment committee, but also utilizing BlackRock.","start":873.02,"end":877.975,"sentiment":"neutral","sentiment_score":0.1682776760842119},{"text":"And BlackRock are one of Australia's largest investment firms.","start":878.03503,"end":880.755,"sentiment":"neutral","sentiment_score":0.18963614106178284},{"text":"So we get to use their analysts and and their investment managers to kinda help build these sorts of investment portfolios, which is really cool.","start":880.755,"end":888.4,"sentiment":"positive","sentiment_score":0.3408155542612076},{"text":"We can utilize some of the coolest brains in the in the industry.","start":888.4,"end":891.46,"sentiment":"neutral","sentiment_score":0.26872614140693957},{"text":"So if you're comfortable, I would do that.","start":891.52,"end":895.06,"sentiment":"neutral","sentiment_score":0.20849810307845473}],"sentiment":"neutral","sentiment_score":0.25716559788671095,"num_words":69,"start":873.02,"end":895.06},{"sentences":[{"text":"Yeah.","start":895.12,"end":895.62,"sentiment":"positive","sentiment_score":0.33759593963623047},{"text":"Yep.","start":899.12,"end":899.62,"sentiment":"neutral","sentiment_score":0.23485976457595825},{"text":"Perfect.","start":901.84,"end":902.34,"sentiment":"positive","sentiment_score":0.6829001903533936},{"text":"Lovely.","start":903.015,"end":903.335,"sentiment":"positive","sentiment_score":0.6656866073608398},{"text":"Well, I've booked you back in there for the third sorry.","start":903.335,"end":906.85504,"sentiment":"neutral","sentiment_score":0.14866348440674218}],"sentiment":"neutral","sentiment_score":0.2370893886933724,"num_words":15,"start":895.12,"end":906.85504},{"sentences":[{"text":"The choose the March 3 at 5PM.","start":906.85504,"end":909.35504,"sentiment":"neutral","sentiment_score":0.03973509185016155},{"text":"In the meantime, I'll go back and do a little bit of research for you on the estimate.","start":909.575,"end":913.17505,"sentiment":"neutral","sentiment_score":0.09383748231145243},{"text":"We do have a plan that shows you withdrawing those funds out of that TTR, then we'll roll it all back into the one account so we're not having to pay too much in the way of fees there, and also looking at those investment switches and how that can work for you.","start":913.17505,"end":925.82996,"sentiment":"neutral","sentiment_score":0.32196240619106115},{"text":"Okay?","start":925.88995,"end":926.38995,"sentiment":"neutral","sentiment_score":0.0982397049665451},{"text":"Yeah.","start":927.88995,"end":928.38995,"sentiment":"neutral","sentiment_score":0.019336402416229248}],"sentiment":"neutral","sentiment_score":0.23936004950082862,"num_words":80,"start":906.85504,"end":928.38995},{"sentences":[{"text":"Right.","start":933.175,"end":933.675,"sentiment":"neutral","sentiment_score":0.012737968936562538},{"text":"You absolutely would have when we first onboarded you, but let me just double check because we abs we do need it to be able to open the super account.","start":941.78,"end":951.16003,"sentiment":"neutral","sentiment_score":0.06469682889680067},{"text":"Yes.","start":957.345,"end":957.845,"sentiment":"neutral","sentiment_score":-0.04844549298286438},{"text":"Does it make sense?","start":960.70496,"end":961.685,"sentiment":"neutral","sentiment_score":-0.18669293075799942},{"text":"Yeah.","start":962.865,"end":963.365,"sentiment":"neutral","sentiment_score":-0.08909112960100174}],"sentiment":"neutral","sentiment_score":0.02890093216823565,"num_words":37,"start":933.175,"end":963.365},{"sentences":[{"text":"That's okay.","start":965.58496,"end":966.38495,"sentiment":"neutral","sentiment_score":0.12844768166542053},{"text":"Let's have a bit of a look here for you.","start":966.38495,"end":968.485,"sentiment":"neutral","sentiment_score":0.10279983095824718},{"text":"Okay.","start":971.52,"end":972.02,"sentiment":"neutral","sentiment_score":0.06345740705728531},{"text":"So it's not showing there, but I can go back into the system and go all the way back to double check what we had, which is really easy just to scroll back for you.","start":972.24,"end":985.14496,"sentiment":"neutral","sentiment_score":0.11657103956344404},{"text":"Let's have a look.","start":985.14496,"end":986.105,"sentiment":"neutral","sentiment_score":0.11765251494944096}],"sentiment":"neutral","sentiment_score":0.11344129854786353,"num_words":52,"start":965.58496,"end":986.105},{"sentences":[{"text":"I do know with the tax file numbers, with the annual reviews at the moment, we are updating the consent for that, and they're doing a tax file opt in form.","start":986.105,"end":994.265,"sentiment":"neutral","sentiment_score":0.08091100665830797},{"text":"So that might be what she was talking about.","start":994.265,"end":996.445,"sentiment":"neutral","sentiment_score":0.011515726231866412},{"text":"This is important to update the consent for holding your tax file number, but I just wanna make sure we do have it on file for you as well.","start":996.85004,"end":1003.75,"sentiment":"neutral","sentiment_score":0.06964031709679241},{"text":"Yeah.","start":1003.89,"end":1004.39,"sentiment":"neutral","sentiment_score":0.05205981060862541},{"text":"Yeah.","start":1010.015,"end":1010.41504,"sentiment":"neutral","sentiment_score":-0.09515886008739471}],"sentiment":"neutral","sentiment_score":0.06462468857496557,"num_words":71,"start":986.105,"end":1010.41504},{"sentences":[{"text":"No.","start":1010.41504,"end":1010.815,"sentiment":"neutral","sentiment_score":-0.13547644019126892},{"text":"The way that essentially works is that we do when we onboard you originally, we do obtain the information for you, but we don't keep a record of it sitting in, like, a fact finder or anything.","start":1010.815,"end":1020.515,"sentiment":"neutral","sentiment_score":0.008301619490658914},{"text":"Anyone who when we provide it to your super fund, they have it.","start":1021.135,"end":1024.495,"sentiment":"neutral","sentiment_score":-0.01628340071497055},{"text":"They hold it, but they mark it out.","start":1024.495,"end":1026.3099,"sentiment":"neutral","sentiment_score":-0.04649681970477104},{"text":"So it's actually redacted from any documents.","start":1026.3099,"end":1029.1299,"sentiment":"neutral","sentiment_score":-0.03983541498226779}],"sentiment":"neutral","sentiment_score":-0.01046701804311438,"num_words":66,"start":1010.41504,"end":1029.1299},{"sentences":[{"text":"And we have to do the same thing.","start":1030.07,"end":1031.4299,"sentiment":"neutral","sentiment_score":-0.002701304736547172},{"text":"We have to redact it to make sure that we're not holding it anywhere where it could get you know, could be misused in any way, shape, or form because it is very sensitive information for you.","start":1031.4299,"end":1042.415,"sentiment":"neutral","sentiment_score":-0.1306177152673135},{"text":"But we do I'll just also updating the consent form.","start":1042.515,"end":1046.355,"sentiment":"neutral","sentiment_score":0.03845050055533648},{"text":"So we have a what's called a tax file opt in form, which is always sent out with your annual review pack just to gain your updated consent for holding that for you.","start":1046.355,"end":1054.9349,"sentiment":"neutral","sentiment_score":0.08935484685229533},{"text":"I can see the onboarding email here.","start":1055.64,"end":1058.78,"sentiment":"neutral","sentiment_score":0.08670694274561745}],"sentiment":"neutral","sentiment_score":-0.009624235282995199,"num_words":95,"start":1030.07,"end":1058.78},{"sentences":[{"text":"Let's have a look now.","start":1059.3201,"end":1061.74,"sentiment":"neutral","sentiment_score":0.06035648211836815},{"text":"There it is.","start":1062.4401,"end":1063.0801,"sentiment":"neutral","sentiment_score":0.07534786065419515},{"text":"We do have a record of it.","start":1063.0801,"end":1064.8401,"sentiment":"neutral","sentiment_score":0.07214746517794472},{"text":"Yeah.","start":1064.8401,"end":1065.3401,"sentiment":"neutral","sentiment_score":0.09155036509037018},{"text":"Yep.","start":1065.8,"end":1066.3,"sentiment":"neutral","sentiment_score":0.2563963532447815}],"sentiment":"neutral","sentiment_score":0.0812238215961877,"num_words":17,"start":1059.3201,"end":1066.3},{"sentences":[{"text":"Perfect.","start":1066.8401,"end":1067.3401,"sentiment":"positive","sentiment_score":0.5906897783279419},{"text":"So I'll get the the team to just make sure they've got that the opt in form completed.","start":1067.4,"end":1071.985,"sentiment":"neutral","sentiment_score":0.2373925977283054},{"text":"If it's not, I'll get it sent out to you when we go through the advice documents just so we're updating all those documents in there.","start":1072.125,"end":1077.5651,"sentiment":"neutral","sentiment_score":0.11270314283095874},{"text":"But we definitely do have a copy of your tax phone number here for our records, all nicely redacted and protected for you.","start":1077.5651,"end":1083.5,"sentiment":"neutral","sentiment_score":0.28747783406921057},{"text":"Okay?","start":1083.5,"end":1084.0,"sentiment":"neutral","sentiment_score":0.20887160301208496}],"sentiment":"neutral","sentiment_score":0.2118101454731347,"num_words":69,"start":1066.8401,"end":1084.0},{"sentences":[{"text":"Excellent.","start":1086.4601,"end":1086.9601,"sentiment":"positive","sentiment_score":0.5951150059700012},{"text":"All good, Craig.","start":1087.1001,"end":1088.16,"sentiment":"positive","sentiment_score":0.5129757722218832},{"text":"Is it the other thing I just wanna double check is because we are looking at withdrawing some money and making changes to the portfolio, one of the things we did kinda touch base on last time we caught up was the fact maybe looking at salary sacrifice down the track.","start":1088.4601,"end":1101.9149,"sentiment":"neutral","sentiment_score":0.008710952475667},{"text":"Is that something you're wanting to look at down the track a bit more or you're not really yeah.","start":1101.9149,"end":1106.495,"sentiment":"neutral","sentiment_score":-0.03922907165006587},{"text":"Yep.","start":1118.5901,"end":1119.0901,"sentiment":"neutral","sentiment_score":0.004280164372175932}],"sentiment":"neutral","sentiment_score":0.024496382692207892,"num_words":75,"start":1086.4601,"end":1119.0901},{"sentences":[{"text":"Okay.","start":1120.5901,"end":1121.0901,"sentiment":"neutral","sentiment_score":-0.2927611470222473},{"text":"Okay.","start":1123.355,"end":1123.855,"sentiment":"negative","sentiment_score":-0.3532044589519501},{"text":"Right.","start":1128.075,"end":1128.575,"sentiment":"neutral","sentiment_score":-0.25776365399360657},{"text":"Yeah.","start":1142.91,"end":1143.31,"sentiment":"neutral","sentiment_score":-0.14989687502384186},{"text":"Wow.","start":1143.31,"end":1143.81,"sentiment":"neutral","sentiment_score":-0.11915173381567}],"sentiment":"neutral","sentiment_score":-0.23455557376146316,"num_words":5,"start":1120.5901,"end":1143.81},{"sentences":[{"text":"Okay.","start":1147.15,"end":1147.65,"sentiment":"neutral","sentiment_score":-0.24217818677425385},{"text":"Okay.","start":1150.9249,"end":1151.405,"sentiment":"neutral","sentiment_score":-0.103268064558506},{"text":"So you're not wanting not wanting to consider it as part of this part of the advice.","start":1151.405,"end":1155.245,"sentiment":"neutral","sentiment_score":-0.24146029616103454},{"text":"We'll maybe hold off for a bit longer until you're comfortable.","start":1155.245,"end":1157.745,"sentiment":"neutral","sentiment_score":-0.126937863078307},{"text":"Yep.","start":1157.885,"end":1158.285,"sentiment":"neutral","sentiment_score":0.16106435656547546}],"sentiment":"neutral","sentiment_score":-0.18340398139891126,"num_words":31,"start":1147.15,"end":1158.285},{"sentences":[{"text":"Yep.","start":1158.285,"end":1158.785,"sentiment":"neutral","sentiment_score":0.01858951896429062},{"text":"Oh, yeah.","start":1166.62,"end":1168.24,"sentiment":"neutral","sentiment_score":-0.30452579259872437},{"text":"Absolutely.","start":1169.82,"end":1170.32,"sentiment":"neutral","sentiment_score":0.0048440806567668915},{"text":"Yeah.","start":1171.66,"end":1172.16,"sentiment":"neutral","sentiment_score":0.05295505374670029},{"text":"Yep.","start":1173.82,"end":1174.215,"sentiment":"neutral","sentiment_score":0.034675344824790955}],"sentiment":"neutral","sentiment_score":-0.08299793116748333,"num_words":6,"start":1158.285,"end":1174.215},{"sentences":[{"text":"That's okay.","start":1178.5349,"end":1179.4349,"sentiment":"neutral","sentiment_score":0.19809947162866592},{"text":"Yeah.","start":1180.695,"end":1181.195,"sentiment":"neutral","sentiment_score":0.09961508214473724},{"text":"Yep.","start":1181.735,"end":1182.235,"sentiment":"neutral","sentiment_score":0.08738993108272552},{"text":"Yep.","start":1182.695,"end":1183.195,"sentiment":"neutral","sentiment_score":0.07463692128658295},{"text":"No.","start":1183.255,"end":1183.495,"sentiment":"neutral","sentiment_score":0.04762010276317597}],"sentiment":"neutral","sentiment_score":0.11757683008909225,"num_words":6,"start":1178.5349,"end":1183.495},{"sentences":[{"text":"That's okay.","start":1183.495,"end":1184.135,"sentiment":"neutral","sentiment_score":0.24464820325374603},{"text":"That's not a problem at all.","start":1184.135,"end":1185.335,"sentiment":"neutral","sentiment_score":0.3325125922759374},{"text":"Well, what I'll do is I'll go back and do some research there for you.","start":1185.335,"end":1188.33,"sentiment":"neutral","sentiment_score":0.19042933185895283},{"text":"I'll factor in the withdrawal out of that ten percent.","start":1188.57,"end":1191.21,"sentiment":"neutral","sentiment_score":0.09868389125913382},{"text":"I'll also look at changing you over to the estimated product.","start":1191.21,"end":1194.11,"sentiment":"neutral","sentiment_score":0.04491761851717125}],"sentiment":"neutral","sentiment_score":0.15503965123471888,"num_words":44,"start":1183.495,"end":1194.11},{"sentences":[{"text":"I'll also look at other investments to make sure that if it's gonna be too tax ineffective for you that we can at least swap out that then along into something else, and I'll show you what I recommend.","start":1194.1699,"end":1204.0299,"sentiment":"neutral","sentiment_score":0.015089839219282836},{"text":"And then I'll show you the effect up into the age of 67 once we complete that as well.","start":1204.9451,"end":1209.3451,"sentiment":"neutral","sentiment_score":0.1583063080906868},{"text":"Is that okay?","start":1209.3451,"end":1210.2251,"sentiment":"neutral","sentiment_score":0.08566305786371231},{"text":"Does that sound right?","start":1210.2251,"end":1211.3451,"sentiment":"neutral","sentiment_score":0.2623657342046499},{"text":"Yep.","start":1211.3451,"end":1211.8451,"sentiment":"neutral","sentiment_score":0.16084127128124237}],"sentiment":"neutral","sentiment_score":0.07672146916615241,"num_words":66,"start":1194.1699,"end":1211.8451},{"sentences":[{"text":"Excellent.","start":1213.425,"end":1213.925,"sentiment":"positive","sentiment_score":0.7527105808258057},{"text":"Is there anything else that you wanted me to factor into that at all?","start":1213.9851,"end":1217.1051,"sentiment":"neutral","sentiment_score":0.25527664380414145},{"text":"Or no.","start":1217.1051,"end":1219.02,"sentiment":"neutral","sentiment_score":-0.03886543959379196},{"text":"Oh, beautiful.","start":1219.02,"end":1220.9401,"sentiment":"positive","sentiment_score":0.5314390659332275},{"text":"Well, I'll get cracking on that for you there, Craig.","start":1220.9401,"end":1222.9401,"sentiment":"positive","sentiment_score":0.6054922610521316}],"sentiment":"positive","sentiment_score":0.39195356749255084,"num_words":29,"start":1213.425,"end":1222.9401},{"sentences":[{"text":"I've booked you back in for two weeks, and we'll go through it together, and then you can let me know what you wanna do.","start":1222.9401,"end":1228.38,"sentiment":"positive","sentiment_score":0.34220349848270415},{"text":"Okay?","start":1228.38,"end":1228.88,"sentiment":"neutral","sentiment_score":0.18442824482917783},{"text":"No worries.","start":1230.9209,"end":1231.5609,"sentiment":"positive","sentiment_score":0.5207522809505463},{"text":"You have a lovely day.","start":1231.5609,"end":1232.861,"sentiment":"positive","sentiment_score":0.6461169838905334},{"text":"Talk to you soon.","start":1232.9209,"end":1233.901,"sentiment":"neutral","sentiment_score":0.28571729362010956}],"sentiment":"positive","sentiment_score":0.38255336115489136,"num_words":37,"start":1222.9401,"end":1233.901},{"sentences":[{"text":"Thanks.","start":1234.281,"end":1234.761,"sentiment":"positive","sentiment_score":0.46527037024497986},{"text":"Bye.","start":1234.761,"end":1235.261,"sentiment":"neutral","sentiment_score":-0.09317100793123244}],"sentiment":"neutral","sentiment_score":0.1860496811568737,"num_words":2,"start":1234.281,"end":1235.261}]}}]},{"alternatives":[{"transcript":"Hello. Craig speaking. Hello? Good. Thanks. How are you? Yeah. Yeah. Not bad. Not bad. Hope hopefully, it's quieting down a little bit, but it's alright. No. No. Yeah. Hopefully, it will. See you, mate. Yep. Yep. Yep. No drama at all. Yep. It's Craig and Nesser. 28 Drysdale Avenue, Frankston, Victoria. It's third of the fourth 1964. No. Not at all. Yep. No. Stop it. Yes. No. I usually take time off in blue because by the time you get those kind of holiday rates, your tax trip is gonna be yeah. So it's not worth it. Yeah. Exactly. She can't win. Yes. That's correct. Yep. A 100 and almost 130. Yep. Yeah. Yeah. That's not sorry. I just said to the lady. I said that as the person I spoke to before. I said I know they last time they left $10,000 in there. So a 120 if they transfer a 110, then I can get 10% off 11 a 110,000, which should be about 11,000. Approximate approximately. Yeah. Yeah. Yes. Yep. Yep. Yep. That's fine. That's fine. Yep. Yep. Yep. Yep. That's it, mama. Yeah. What happened? Yes. My second is a little bit changed. I have to spend some money because my other car broke down. I have to go and get a new car. So I do use that money. So I just wanna keep it topped up to that minimum amount that I'd like to have in my bank account. So it's earning interest anyway, so which isn't good, which is which is bad. So yeah. Yes. Yes. I'm happy. I'm you're trapped. No. Without it. Under advice, yeah, that last one you said because I went through the last one last before, and I was going, well, that worked out really well. So I did yes. Things may change with the amounts and everything else. I'm not sure of the tax ratio and all that, but that went that was, you know, that that advice is still gonna be the same advice except the figure may be a little bit different then. That's about it because I'm going on my my super has been going quite well. So I sort of went, yeah. No. Oops. Yes. So yep. Yes. Because that is the other one I was thinking about. I was talk I was when I've written notes for myself when I spoke to the last person, the Bennelong Investment Fund's not doing as well as what they what you expected. So I was gonna talk to you about that. Yes. Yes. Yeah. Yes. Yep. Perfect. Yep. Perfect. Yep. Yep. Perfect. Yep. Yeah. Yep. Yep. That's fine. Yeah. That's March the March the second year. That's fine. Yep. Yep. Tuesday March 3. Yep. It's six o'clock, seven time. Yep. Yep. Yes. Yep. Yep. Yep. That's fine. Yeah. Yeah. Nothing. Yep. Mhmm. Mhmm. Yeah. Yeah. Just depending on how things go. Yeah. Yep. So yeah. Yep. It sounds like take more holidays. No. Because I don't I don't trust I'm I'm probably in the middle. Probably where I'm at at at the moment. I don't trust what's happening out there in the market and the world with the way every country seems to be hating everybody for some reason. Yes. Yes. That's yeah. That's what concerns me. I'd probably ring you guys and get your advice because you're more of an expert. I can look at stuff and oh, yeah. That doesn't make sense. Oh, yeah. That makes sense. But at the end of the day, I'm not doing that every day of the week. So I'd rather speak to somebody who's got the experience and the knowledge. I think I'd probably be a bit cautious, but I'd, you know, I mean, my go to would be ringing you guys and saying, hey. What's going on? Can you explain it? What what do you think is the best advice for me? Blah blah blah. So that would relieve the anxiety. That would really relieve you know, the cautious is always gonna be there. I think that's with everybody when it comes to this because no one knows what can happen and what can't happen. So, yeah, you you make turnaround and say, hey, Craig. We've come through a better Supery on your Asian company than Hub '24, and this one's returning more. So do you know what I mean? It's sort of yeah. You guys are you guys watch it all the time. I go and look at it probably once a month and look at it going, yeah. Well, it's it's got it's growing and that's all I look at growing and it's, you know, that's all I need to really worry about. You guys, you guys get paid to do that harder stuff that I takes that away from me. Yeah. Yep. Yep. Yep. No. That sounds complete. Yep. Yes. Yes. Yes. Yes. Yep. Yes. Yeah. Look, I'm I'm happy for you you guys to do that for me because I know my review is this is my 2025 review because and you're behind on that. So you're behind how much time has been waste not only say wasted. I know I understand because all the changes that this could if it was when it was if it was done when it was supposed to be done, we would have probably had a lot less been along. Yes. That's you know what I mean? Yeah. Yeah. Yes. Yes. Yes. Yes. Yes. Yeah. Yeah. Yep. Yeah. Because I think that I think that's a good idea. Yeah. I think that's a good idea. Yeah. More than happy for that to happen. Yeah. That's cool. Yep. That's not a drama at all. So so yeah. Yep. Yep. Yes. Yep. Now the other thing that was mentioned to me was something about my tax file number. They said it's not on record, and they said just to give you authorization to and I thought I gave my tax phone number out. Yeah. Because I can't understand how the other super account wasn't was opened if you have a tax phone number. That's what I said to the lady. So it didn't make it sort of she she got a yeah. Yeah. It didn't make sense. But Yep. Yeah. Oh, I can. Yeah. The pizza comes with that. It's on your super, but you don't hold it. And I'm going, oh, that doesn't make sense because you opened my super. Yeah. Uh-huh. Yeah. Okay. Yes. Yeah. Yep. Yep. Oh, excellent. Beautiful. Excellent. Beautiful. That's perfect. Okay. Yeah. I'm I'm oh, it's sort of neat. I'm gonna look at it because at the moment, like, we've changed companies. Monash, I'll change companies to this new salary sacrifice company called Smart Salary, and I don't like it. So every time I try to log in to the app, it it's crashing. And if I need to put a claim in to get anything, I can't do it on the app. I've gotta go on the computer and then log in and scan. And it's just it's just become it's just become a nightmare, and everyone's complaining about it. And they seem to be charging us more fees than what Maxia charged us. But yeah. So at the moment, I am still looking at it, but I'm sort of I don't have the trust in them getting it right either. That's No. Yeah. Yep. That'll be good. Yeah. I just thought of yeah. I've got they've they've been with us for about eight or nine months now, and it's like, there's nothing but drama. Everyone's having trouble with them. So we're all going, why have we got this crap? So yeah. So yeah. So I'd rather be safe. I know I'm a bit of a I sound safe too safe sometimes, but I just rather I'd be able to be comfortable and that's what I'd rather be. So yeah. Yep. Yes. Yes. Yes. Yep. Yep. Yep. Beautiful. Yep. Perfect. Perfect. Excellent. No. That's it, Dana. That's fantastic. Yep. Perfect. Yep. No worries at all. Okay. Thanks, Dana. Have a good night. You too. Bye. 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Craig speaking. Hello? Good. Thanks.\n\nHow are you? Yeah. Yeah. Not bad. Not bad.\n\nHope hopefully, it's quieting down a little bit, but it's alright. No. No. Yeah. Hopefully, it will.\n\nSee you, mate. Yep. Yep. Yep. No drama at all.\n\nYep. It's Craig and Nesser. 28 Drysdale Avenue, Frankston, Victoria. It's third of the fourth 1964. No.\n\nNot at all. Yep. No. Stop it. Yes.\n\nNo. I usually take time off in blue because by the time you get those kind of holiday rates, your tax trip is gonna be yeah. So it's not worth it. Yeah. Exactly.\n\nShe can't win. Yes. That's correct. Yep. A 100 and almost 130.\n\nYep. Yeah. Yeah. That's not sorry. I just said to the lady.\n\nI said that as the person I spoke to before. I said I know they last time they left $10,000 in there. So a 120 if they transfer a 110, then I can get 10% off 11 a 110,000, which should be about 11,000. Approximate approximately. Yeah.\n\nYeah. Yes. Yep. Yep. Yep.\n\nThat's fine. That's fine. Yep. Yep. Yep.\n\nYep. That's it, mama. Yeah. What happened? Yes.\n\nMy second is a little bit changed. I have to spend some money because my other car broke down. I have to go and get a new car. So I do use that money. So I just wanna keep it topped up to that minimum amount that I'd like to have in my bank account.\n\nSo it's earning interest anyway, so which isn't good, which is which is bad. So yeah. Yes. Yes. I'm happy.\n\nI'm you're trapped. No. Without it. Under advice, yeah, that last one you said because I went through the last one last before, and I was going, well, that worked out really well. So I did yes.\n\nThings may change with the amounts and everything else. I'm not sure of the tax ratio and all that, but that went that was, you know, that that advice is still gonna be the same advice except the figure may be a little bit different then. That's about it because I'm going on my my super has been going quite well. So I sort of went, yeah. No.\n\nOops. Yes. So yep. Yes. Because that is the other one I was thinking about.\n\nI was talk I was when I've written notes for myself when I spoke to the last person, the Bennelong Investment Fund's not doing as well as what they what you expected. So I was gonna talk to you about that. Yes. Yes. Yeah.\n\nYes. Yep. Perfect. Yep. Perfect.\n\nYep. Yep. Perfect. Yep. Yeah.\n\nYep. Yep. That's fine. Yeah. That's March the March the second year.\n\nThat's fine. Yep. Yep. Tuesday March 3. Yep.\n\nIt's six o'clock, seven time. Yep. Yep. Yes. Yep.\n\nYep. Yep. That's fine. Yeah. Yeah.\n\nNothing. Yep. Mhmm. Mhmm. Yeah.\n\nYeah. Just depending on how things go. Yeah. Yep. So yeah.\n\nYep. It sounds like take more holidays. No. Because I don't I don't trust I'm I'm probably in the middle. Probably where I'm at at at the moment.\n\nI don't trust what's happening out there in the market and the world with the way every country seems to be hating everybody for some reason. Yes. Yes. That's yeah. That's what concerns me.\n\nI'd probably ring you guys and get your advice because you're more of an expert. I can look at stuff and oh, yeah. That doesn't make sense. Oh, yeah. That makes sense.\n\nBut at the end of the day, I'm not doing that every day of the week. So I'd rather speak to somebody who's got the experience and the knowledge. I think I'd probably be a bit cautious, but I'd, you know, I mean, my go to would be ringing you guys and saying, hey. What's going on? Can you explain it?\n\nWhat what do you think is the best advice for me? Blah blah blah. So that would relieve the anxiety. That would really relieve you know, the cautious is always gonna be there. I think that's with everybody when it comes to this because no one knows what can happen and what can't happen.\n\nSo, yeah, you you make turnaround and say, hey, Craig. We've come through a better Supery on your Asian company than Hub '24, and this one's returning more. So do you know what I mean? It's sort of yeah. You guys are you guys watch it all the time.\n\nI go and look at it probably once a month and look at it going, yeah. Well, it's it's got it's growing and that's all I look at growing and it's, you know, that's all I need to really worry about. You guys, you guys get paid to do that harder stuff that I takes that away from me. Yeah. Yep.\n\nYep. Yep. No. That sounds complete. Yep.\n\nYes. Yes. Yes. Yes. Yep.\n\nYes. Yeah. Look, I'm I'm happy for you you guys to do that for me because I know my review is this is my 2025 review because and you're behind on that. So you're behind how much time has been waste not only say wasted. I know I understand because all the changes that this could if it was when it was if it was done when it was supposed to be done, we would have probably had a lot less been along.\n\nYes. That's you know what I mean? Yeah. Yeah. Yes.\n\nYes. Yes. Yes. Yes. Yeah.\n\nYeah. Yep. Yeah. Because I think that I think that's a good idea. Yeah.\n\nI think that's a good idea. Yeah. More than happy for that to happen. Yeah. That's cool.\n\nYep. That's not a drama at all. So so yeah. Yep. Yep.\n\nYes. Yep. Now the other thing that was mentioned to me was something about my tax file number. They said it's not on record, and they said just to give you authorization to and I thought I gave my tax phone number out. Yeah.\n\nBecause I can't understand how the other super account wasn't was opened if you have a tax phone number. That's what I said to the lady. So it didn't make it sort of she she got a yeah. Yeah. It didn't make sense.\n\nBut Yep. Yeah. Oh, I can. Yeah. The pizza comes with that.\n\nIt's on your super, but you don't hold it. And I'm going, oh, that doesn't make sense because you opened my super. Yeah. Uh-huh. Yeah.\n\nOkay. Yes. Yeah. Yep. Yep.\n\nOh, excellent. Beautiful. Excellent. Beautiful. That's perfect.\n\nOkay. Yeah. I'm I'm oh, it's sort of neat. I'm gonna look at it because at the moment, like, we've changed companies. Monash, I'll change companies to this new salary sacrifice company called Smart Salary, and I don't like it.\n\nSo every time I try to log in to the app, it it's crashing. And if I need to put a claim in to get anything, I can't do it on the app. I've gotta go on the computer and then log in and scan. And it's just it's just become it's just become a nightmare, and everyone's complaining about it. And they seem to be charging us more fees than what Maxia charged us.\n\nBut yeah. So at the moment, I am still looking at it, but I'm sort of I don't have the trust in them getting it right either. That's No. Yeah. Yep.\n\nThat'll be good. Yeah. I just thought of yeah. I've got they've they've been with us for about eight or nine months now, and it's like, there's nothing but drama. Everyone's having trouble with them.\n\nSo we're all going, why have we got this crap? So yeah. So yeah. So I'd rather be safe. I know I'm a bit of a I sound safe too safe sometimes, but I just rather I'd be able to be comfortable and that's what I'd rather be.\n\nSo yeah. Yep. Yes. Yes. Yes.\n\nYep. Yep. Yep. Beautiful. Yep.\n\nPerfect. Perfect. Excellent. No. That's it, Dana.\n\nThat's fantastic. Yep. Perfect. Yep. No worries at all.\n\nOkay. Thanks, Dana. Have a good night. You too. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.0165470652282238},{"text":"Craig speaking.","start":1.8399999,"end":2.58,"sentiment":"neutral","sentiment_score":0.017054344527423382},{"text":"Hello?","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.0196529608219862},{"text":"Good.","start":10.16,"end":10.4,"sentiment":"positive","sentiment_score":0.47451481223106384},{"text":"Thanks.","start":10.4,"end":10.719999,"sentiment":"positive","sentiment_score":0.49912697076797485}],"sentiment":"neutral","sentiment_score":0.1739917496840159,"num_words":6,"start":1.4399999,"end":10.719999},{"sentences":[{"text":"How are you?","start":10.719999,"end":11.46,"sentiment":"positive","sentiment_score":0.34620389342308044},{"text":"Yeah.","start":14.905,"end":15.224999,"sentiment":"neutral","sentiment_score":0.09172245860099792},{"text":"Yeah.","start":15.224999,"end":15.724999,"sentiment":"neutral","sentiment_score":0.10433320701122284},{"text":"Not bad.","start":15.865,"end":16.345,"sentiment":"neutral","sentiment_score":0.12686674296855927},{"text":"Not bad.","start":16.345,"end":17.064999,"sentiment":"neutral","sentiment_score":0.13096484541893005}],"sentiment":"neutral","sentiment_score":0.19448116918404898,"num_words":9,"start":10.719999,"end":17.064999},{"sentences":[{"text":"Hope hopefully, it's quieting down a little bit, but it's alright.","start":17.064999,"end":20.045,"sentiment":"neutral","sentiment_score":0.12031642279841682},{"text":"No.","start":23.305,"end":23.465,"sentiment":"neutral","sentiment_score":-0.09087491035461426},{"text":"No.","start":23.465,"end":23.965,"sentiment":"neutral","sentiment_score":-0.11349399387836456},{"text":"Yeah.","start":26.105,"end":26.605,"sentiment":"neutral","sentiment_score":0.15514205396175385},{"text":"Hopefully, it will.","start":26.664999,"end":27.704998,"sentiment":"neutral","sentiment_score":0.25071715315183}],"sentiment":"neutral","sentiment_score":0.11920030940981473,"num_words":17,"start":17.064999,"end":27.704998},{"sentences":[{"text":"See you, mate.","start":27.704998,"end":28.41,"sentiment":"positive","sentiment_score":0.3573443690935771},{"text":"Yep.","start":32.65,"end":33.15,"sentiment":"neutral","sentiment_score":0.04926159232854843},{"text":"Yep.","start":35.29,"end":35.79,"sentiment":"neutral","sentiment_score":0.05306510627269745},{"text":"Yep.","start":41.975002,"end":42.295002,"sentiment":"neutral","sentiment_score":0.013636017218232157},{"text":"No drama at all.","start":42.295002,"end":49.875,"sentiment":"neutral","sentiment_score":-0.02581474836915731}],"sentiment":"neutral","sentiment_score":0.108473682962358,"num_words":10,"start":27.704998,"end":49.875},{"sentences":[{"text":"Yep.","start":51.735,"end":52.055,"sentiment":"neutral","sentiment_score":0.021697571501135823},{"text":"It's Craig and Nesser.","start":52.055,"end":53.435,"sentiment":"neutral","sentiment_score":0.023377729579806328},{"text":"28 Drysdale Avenue, Frankston, 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middle.","start":501.845,"end":505.925,"sentiment":"neutral","sentiment_score":-0.20049742981791496},{"text":"Probably where I'm at at at the moment.","start":505.925,"end":507.685,"sentiment":"neutral","sentiment_score":-0.23085750080645084}],"sentiment":"neutral","sentiment_score":-0.09314695160303797,"num_words":28,"start":478.765,"end":507.685},{"sentences":[{"text":"I don't trust what's happening out there in the market and the world with the way every country seems to be hating everybody for some reason.","start":507.685,"end":514.18,"sentiment":"neutral","sentiment_score":-0.12676908161777717},{"text":"Yes.","start":516.16,"end":516.66,"sentiment":"neutral","sentiment_score":-0.05267483368515968},{"text":"Yes.","start":518.39996,"end":518.8,"sentiment":"neutral","sentiment_score":-0.02664642035961151},{"text":"That's yeah.","start":518.8,"end":519.44,"sentiment":"neutral","sentiment_score":-0.034025538712739944},{"text":"That's what concerns me.","start":519.44,"end":520.82,"sentiment":"neutral","sentiment_score":-0.08204179629683495}],"sentiment":"neutral","sentiment_score":-0.11092751878587638,"num_words":34,"start":507.685,"end":520.82},{"sentences":[{"text":"I'd probably ring you guys and get your advice because you're more of an expert.","start":543.26,"end":548.94,"sentiment":"neutral","sentiment_score":-0.03530596702670057},{"text":"I can look at stuff and oh, yeah.","start":548.94,"end":550.22003,"sentiment":"neutral","sentiment_score":-0.003387290402315557},{"text":"That doesn't make sense.","start":550.22003,"end":551.10004,"sentiment":"negative","sentiment_score":-0.37937138229608536},{"text":"Oh, yeah.","start":551.10004,"end":551.42004,"sentiment":"neutral","sentiment_score":-0.07411119900643826},{"text":"That makes sense.","start":551.42004,"end":552.06,"sentiment":"neutral","sentiment_score":-0.012958809733390808}],"sentiment":"neutral","sentiment_score":-0.07066475578176323,"num_words":32,"start":543.26,"end":552.06},{"sentences":[{"text":"But at the end of the day, I'm not doing that every day of the week.","start":552.06,"end":556.255,"sentiment":"neutral","sentiment_score":-0.08457429055124521},{"text":"So I'd rather speak to somebody who's got the experience and the knowledge.","start":556.255,"end":559.555,"sentiment":"neutral","sentiment_score":0.009965004399418831},{"text":"I think I'd probably be a bit cautious, but I'd, you know, I mean, my go to would be ringing you guys and saying, hey.","start":573.13,"end":580.885,"sentiment":"neutral","sentiment_score":-0.02444254919886589},{"text":"What's going on?","start":580.885,"end":581.685,"sentiment":"neutral","sentiment_score":-0.05574727927645048},{"text":"Can you explain it?","start":581.685,"end":582.565,"sentiment":"neutral","sentiment_score":-0.05558942537754774}],"sentiment":"neutral","sentiment_score":-0.03646404690063391,"num_words":61,"start":552.06,"end":582.565},{"sentences":[{"text":"What what do you think is the best advice for me?","start":582.565,"end":584.565,"sentiment":"neutral","sentiment_score":-0.05126424811103127},{"text":"Blah blah blah.","start":584.565,"end":585.365,"sentiment":"neutral","sentiment_score":-0.11081585536400478},{"text":"So that would relieve the anxiety.","start":585.365,"end":587.945,"sentiment":"neutral","sentiment_score":0.10231596045196056},{"text":"That would really relieve you know, the cautious is always gonna be there.","start":588.005,"end":591.445,"sentiment":"neutral","sentiment_score":0.07577089048348941},{"text":"I think that's with everybody when it comes to this because no one knows what can happen and what can't happen.","start":591.445,"end":597.09,"sentiment":"neutral","sentiment_score":-0.07421437992403905}],"sentiment":"neutral","sentiment_score":-0.015850721013352827,"num_words":54,"start":582.565,"end":597.09},{"sentences":[{"text":"So, yeah, you you make turnaround and say, hey, Craig.","start":597.55,"end":600.35004,"sentiment":"neutral","sentiment_score":0.058330433815717696},{"text":"We've come through a better Supery on your Asian company than Hub '24, and this one's returning more.","start":600.35004,"end":605.07,"sentiment":"neutral","sentiment_score":0.1579910640915235},{"text":"So do you know what I mean?","start":605.07,"end":606.77,"sentiment":"neutral","sentiment_score":0.013685707268970353},{"text":"It's sort of yeah.","start":606.83,"end":608.11,"sentiment":"neutral","sentiment_score":0.09191526658833027},{"text":"You guys are you guys watch it all the 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I'm I'm happy for you you guys to do that for me because I know my review is this is my 2025 review because and you're behind on that.","start":781.995,"end":792.63495,"sentiment":"neutral","sentiment_score":0.1143843642125527},{"text":"So you're behind how much time has been waste not only say wasted.","start":792.63495,"end":798.56,"sentiment":"negative","sentiment_score":-0.4132060202268454},{"text":"I know I understand because all the changes that this could if it was when it was if it was done when it was supposed to be done, we would have probably had a lot less been along.","start":798.56,"end":807.54004,"sentiment":"negative","sentiment_score":-0.3714891593707235}],"sentiment":"neutral","sentiment_score":-0.19285550803305154,"num_words":83,"start":761.885,"end":807.54004},{"sentences":[{"text":"Yes.","start":808.84503,"end":809.085,"sentiment":"neutral","sentiment_score":0.03689822927117348},{"text":"That's you know what I 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neat.","start":1104.715,"end":1107.2749,"sentiment":"neutral","sentiment_score":0.12604965934795992},{"text":"I'm gonna look at it because at the moment, like, we've changed companies.","start":1107.2749,"end":1111.5299,"sentiment":"neutral","sentiment_score":-0.03203375909764033},{"text":"Monash, I'll change companies to this new salary sacrifice company called Smart Salary, and I don't like it.","start":1112.3099,"end":1122.765,"sentiment":"neutral","sentiment_score":-0.19176058605727223}],"sentiment":"neutral","sentiment_score":-0.07161882082000375,"num_words":40,"start":1088.25,"end":1122.765},{"sentences":[{"text":"So every time I try to log in to the app, it it's crashing.","start":1124.365,"end":1127.245,"sentiment":"negative","sentiment_score":-0.5822927355766296},{"text":"And if I need to put a claim in to get anything, I can't do it on the app.","start":1127.245,"end":1131.245,"sentiment":"negative","sentiment_score":-0.41651897524532516},{"text":"I've gotta go on the computer and then log in and scan.","start":1131.245,"end":1134.605,"sentiment":"negative","sentiment_score":-0.40422414243221283},{"text":"And it's just it's just become it's just become a nightmare, and everyone's complaining about it.","start":1134.605,"end":1138.045,"sentiment":"negative","sentiment_score":-0.6298649273812771},{"text":"And they seem to be charging us more fees than what Maxia charged us.","start":1138.045,"end":1142.52,"sentiment":"negative","sentiment_score":-0.44293286757809774}],"sentiment":"negative","sentiment_score":-0.495940633614858,"num_words":75,"start":1124.365,"end":1142.52},{"sentences":[{"text":"But yeah.","start":1142.9,"end":1143.46,"sentiment":"neutral","sentiment_score":-0.1436159312725067},{"text":"So at the moment, I am still looking at it, but I'm sort of I don't have the trust in them getting it right either.","start":1143.46,"end":1150.6,"sentiment":"negative","sentiment_score":-0.3496165615320206},{"text":"That's No.","start":1151.235,"end":1155.975,"sentiment":"neutral","sentiment_score":-0.13984566554427147},{"text":"Yeah.","start":1156.915,"end":1157.235,"sentiment":"neutral","sentiment_score":-0.05728460103273392},{"text":"Yep.","start":1157.235,"end":1157.635,"sentiment":"neutral","sentiment_score":0.019279105588793755}],"sentiment":"neutral","sentiment_score":-0.30146266862509713,"num_words":31,"start":1142.9,"end":1157.635},{"sentences":[{"text":"That'll be good.","start":1157.635,"end":1158.355,"sentiment":"neutral","sentiment_score":0.14719491203625998},{"text":"Yeah.","start":1158.355,"end":1158.595,"sentiment":"neutral","sentiment_score":-0.018070975318551064},{"text":"I just thought of yeah.","start":1158.595,"end":1159.555,"sentiment":"neutral","sentiment_score":-0.08272025138139724},{"text":"I've got they've they've been with us for about eight or nine months now, and it's like, there's nothing but drama.","start":1159.555,"end":1165.71,"sentiment":"neutral","sentiment_score":-0.15158633532978238},{"text":"Everyone's having trouble with them.","start":1165.71,"end":1166.99,"sentiment":"neutral","sentiment_score":-0.2809199094772339}],"sentiment":"neutral","sentiment_score":-0.1308000024408102,"num_words":35,"start":1157.635,"end":1166.99},{"sentences":[{"text":"So we're all going, why have we got this crap?","start":1166.99,"end":1169.4099,"sentiment":"negative","sentiment_score":-0.41920043975114823},{"text":"So yeah.","start":1169.71,"end":1170.61,"sentiment":"neutral","sentiment_score":-0.02599373832345009},{"text":"So yeah.","start":1171.47,"end":1171.95,"sentiment":"neutral","sentiment_score":0.04281964898109436},{"text":"So I'd rather be safe.","start":1171.95,"end":1173.3099,"sentiment":"neutral","sentiment_score":0.027575427666306496},{"text":"I know I'm a bit of a I sound safe too safe sometimes, but I just rather I'd be able to be comfortable and that's what I'd rather be.","start":1173.3099,"end":1181.405,"sentiment":"neutral","sentiment_score":0.09968917804031537}],"sentiment":"neutral","sentiment_score":-0.023531026556156576,"num_words":48,"start":1166.99,"end":1181.405},{"sentences":[{"text":"So yeah.","start":1181.785,"end":1182.525,"sentiment":"neutral","sentiment_score":0.09911812096834183},{"text":"Yep.","start":1183.465,"end":1183.965,"sentiment":"neutral","sentiment_score":0.0821622833609581},{"text":"Yes.","start":1187.92,"end":1188.42,"sentiment":"neutral","sentiment_score":0.16541504859924316},{"text":"Yes.","start":1194.24,"end":1194.74,"sentiment":"neutral","sentiment_score":0.03482070565223694},{"text":"Yes.","start":1202.48,"end":1202.98,"sentiment":"neutral","sentiment_score":0.11764372140169144}],"sentiment":"neutral","sentiment_score":0.09971300015846889,"num_words":6,"start":1181.785,"end":1202.98},{"sentences":[{"text":"Yep.","start":1204.605,"end":1205.105,"sentiment":"neutral","sentiment_score":0.15322482585906982},{"text":"Yep.","start":1209.5651,"end":1210.0651,"sentiment":"neutral","sentiment_score":0.08238197863101959},{"text":"Yep.","start":1210.365,"end":1210.605,"sentiment":"neutral","sentiment_score":0.1027580201625824},{"text":"Beautiful.","start":1210.605,"end":1211.105,"sentiment":"positive","sentiment_score":0.4346162676811218},{"text":"Yep.","start":1211.5651,"end":1211.9651,"sentiment":"neutral","sentiment_score":0.17976900935173035}],"sentiment":"neutral","sentiment_score":0.1905500203371048,"num_words":5,"start":1204.605,"end":1211.9651},{"sentences":[{"text":"Perfect.","start":1211.9651,"end":1212.4451,"sentiment":"positive","sentiment_score":0.6099399924278259},{"text":"Perfect.","start":1212.4451,"end":1212.925,"sentiment":"positive","sentiment_score":0.6890084743499756},{"text":"Excellent.","start":1212.925,"end":1213.425,"sentiment":"positive","sentiment_score":0.7625401616096497},{"text":"No.","start":1217.48,"end":1217.6399,"sentiment":"neutral","sentiment_score":-0.1305536925792694},{"text":"That's it, Dana.","start":1217.6399,"end":1218.44,"sentiment":"neutral","sentiment_score":-0.013180434703826899}],"sentiment":"neutral","sentiment_score":0.27019909024238586,"num_words":7,"start":1211.9651,"end":1218.44},{"sentences":[{"text":"That's fantastic.","start":1218.44,"end":1219.1799,"sentiment":"neutral","sentiment_score":0.08510252833366394},{"text":"Yep.","start":1219.3999,"end":1219.72,"sentiment":"positive","sentiment_score":0.4067246913909912},{"text":"Perfect.","start":1219.72,"end":1220.22,"sentiment":"positive","sentiment_score":0.6881688833236694},{"text":"Yep.","start":1225.32,"end":1225.82,"sentiment":"neutral","sentiment_score":0.2547672986984253},{"text":"No worries at all.","start":1228.5199,"end":1229.3999,"sentiment":"neutral","sentiment_score":0.2544019818305969}],"sentiment":"neutral","sentiment_score":0.2819415397114224,"num_words":9,"start":1218.44,"end":1229.3999},{"sentences":[{"text":"Okay.","start":1229.3999,"end":1229.72,"sentiment":"positive","sentiment_score":0.4310991466045379},{"text":"Thanks, Dana.","start":1229.72,"end":1230.62,"sentiment":"positive","sentiment_score":0.7221620678901672},{"text":"Have a good night.","start":1231.571,"end":1232.7109,"sentiment":"positive","sentiment_score":0.691887840628624},{"text":"You too.","start":1233.171,"end":1233.8309,"sentiment":"neutral","sentiment_score":0.24062657356262207},{"text":"Bye.","start":1234.051,"end":1234.291,"sentiment":"neutral","sentiment_score":0.20420658588409424}],"sentiment":"positive","sentiment_score":0.5328434377908706,"num_words":10,"start":1229.3999,"end":1234.291},{"sentences":[{"text":"Bye.","start":1234.291,"end":1234.791,"sentiment":"neutral","sentiment_score":0.25803014636039734}],"sentiment":"neutral","sentiment_score":0.25803014636039734,"num_words":1,"start":1234.291,"end":1234.791}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Craig speaking. Hello?\n\nChannel 0: Hi, Craig. It's Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. How are\n\nChannel 0: Good.\n\nChannel 1: you?\n\nChannel 0: I'm very well. Thank you. How's your week been?\n\nChannel 1: Yeah. Yeah. Not bad. Not\n\nChannel 0: Yeah.\n\nChannel 1: bad. Hope hopefully, it's quieting down a little bit, but it's alright.\n\nChannel 0: Absolutely. Look. It's only Monday. We still got a few days to go, but,\n\nChannel 1: No. No.\n\nChannel 0: hopefully, it's a good hopefully, it goes well for you.\n\nChannel 1: Yeah. Hopefully, it will. See you, mate.\n\nChannel 0: It's all good. Craig, I had you booked in to have a bit of a follow-up conversation with, like,\n\nChannel 1: Yep.\n\nChannel 0: interrelation to accessing some more money.\n\nChannel 1: Yep.\n\nChannel 0: Just before I do, I do have to let you know our calls are recorded for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. No\n\nChannel 0: Fantastic. And due to\n\nChannel 1: drama\n\nChannel 0: security with you as well, we are discussing your personal\n\nChannel 1: at\n\nChannel 0: information. So I just need to confirm your full name, your\n\nChannel 1: all.\n\nChannel 0: date of birth, and address I should have on file.\n\nChannel 1: Yep. It's Craig and Nesser.\n\nChannel 0: Yep.\n\nChannel 1: 28 Drysdale Avenue, Frankston, Victoria. It's third of the fourth 1964.\n\nChannel 0: Beautiful. Thank you so much for that. Did you get some downtime over the Christmas break at all, or\n\nChannel 1: No. Not\n\nChannel 0: it kept\n\nChannel 1: at\n\nChannel 0: working?\n\nChannel 1: all.\n\nChannel 0: No?\n\nChannel 1: Yep. No. Stop it. Yes.\n\nChannel 0: Oh, wow. Wow. Hopefully, you got those extra public holiday rates and earn some extra dosh over time.\n\nChannel 1: No. I usually take time off in blue because by the time you get those kind of holiday rates, your\n\nChannel 0: You\n\nChannel 1: tax\n\nChannel 0: pay\n\nChannel 1: trip\n\nChannel 0: more\n\nChannel 1: is gonna\n\nChannel 0: tax.\n\nChannel 1: be yeah. So\n\nChannel 0: That's\n\nChannel 1: it's not\n\nChannel 0: it.\n\nChannel 1: worth it.\n\nChannel 0: That's it. They see it's all coming, don't they?\n\nChannel 1: Yeah. Exactly. She can't win.\n\nChannel 0: No. That's it. Oh, good. Well, I had you booked in to have a bit of a chat. You wanted to access another 10% of your super.\n\nIs that right?\n\nChannel 1: Yes. That's correct. Yep.\n\nChannel 0: Yeah. Absolutely. Perfect. So just to kinda go through the details there with you. Now having a bit of a look here, your balance at the moment is about\n\nChannel 1: A\n\nChannel 0: sorry.\n\nChannel 1: 100 and almost 130.\n\nChannel 0: Yeah. No. It's doing really, really well. It's\n\nChannel 1: Yep.\n\nChannel 0: about a 123,690. So in order to be able to access that 10%, we do move as much as we possibly can into that transition retirement account like we did last time.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: We\n\nChannel 1: That's\n\nChannel 0: do have\n\nChannel 1: not\n\nChannel 0: to leave you're right. Sorry?\n\nChannel 1: sorry. I just said to the lady. I said that as the person I spoke to before. I said I know they last time they left $10,000 in there. So\n\nChannel 0: Yep.\n\nChannel 1: a 120 if they transfer a 110, then I can get 10% off 11 a 110,000, which should be about 11,000.\n\nChannel 0: Yeah.\n\nChannel 1: Approximate\n\nChannel 0: So we do actually\n\nChannel 1: approximately.\n\nChannel 0: have, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: you're right. We do have to leave the 10,000 behind,\n\nChannel 1: Yeah.\n\nChannel 0: but we also have to leave the tax liability, which is slightly higher now. So\n\nChannel 1: Yes.\n\nChannel 0: it does mean for us I had a really good look at this this before the call. We do have to leave 13,000 behind in this into the super side of things, which means that we can transfer across about a 110,600\n\nChannel 1: Yep.\n\nChannel 0: and 90. So 10% of that gives us approximately 11,069. Are\n\nChannel 1: Yep.\n\nChannel 0: you fairly comfortable with that\n\nChannel 1: Yep.\n\nChannel 0: sort of?\n\nChannel 1: That's fine.\n\nChannel 0: Yep.\n\nChannel 1: That's fine. Yep. Yep.\n\nChannel 0: Beautiful. And that is based on today's balance. So so long as the market doesn't take a major dip over the next few weeks, that should absolutely be fine.\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: Now\n\nChannel 1: it, mama.\n\nChannel 0: just sort of just wanna also find out. So with the withdrawal that you're after, any particular reason? So is this living\n\nChannel 1: Yeah.\n\nChannel 0: expenses, or do\n\nChannel 1: What\n\nChannel 0: you have\n\nChannel 1: happened?\n\nChannel 0: something specific?\n\nChannel 1: Yes. My second is\n\nChannel 0: Yeah.\n\nChannel 1: a little bit changed.\n\nChannel 0: Okay.\n\nChannel 1: I have to spend some money because my other car broke down. I have to go and get a new car.\n\nChannel 0: Yeah.\n\nChannel 1: So I do use that money. So I just wanna keep it topped up to that minimum amount that I'd like to have\n\nChannel 0: Yeah.\n\nChannel 1: in my bank\n\nChannel 0: No.\n\nChannel 1: account.\n\nChannel 0: Abs\n\nChannel 1: So it's earning interest anyway, so which isn't good, which\n\nChannel 0: yeah.\n\nChannel 1: is which is bad. So yeah.\n\nChannel 0: Absolutely. That's not a problem at all. Now we do have two options. I can do it for you under a statement of advice, which means that I provide personal advice to you in relation to the withdrawal, give you the advantages, disadvantages, and the risks involved,\n\nChannel 1: Yes.\n\nChannel 0: and then you can make it your mind from there. It's the same the same way we did it last time.\n\nChannel 1: Yes.\n\nChannel 0: Alternatively, if you're comfortable with that, you can direct us to do it under a transaction without advice, which is obviously quicker, but it means that you understand that you're taking on the risks there, and we just get that withdrawal process and get you to sign the transaction without any advice and give you\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: happy.\n\nChannel 0: risks. Did you want me to\n\nChannel 1: I'm\n\nChannel 0: do it\n\nChannel 1: you're\n\nChannel 0: under\n\nChannel 1: trapped.\n\nChannel 0: advice?\n\nChannel 1: No. Without it. Under advice, yeah, that last one you said because I went through the last one last before, and I was going,\n\nChannel 0: Yeah.\n\nChannel 1: well, that worked out really well. So I did yes. Things may change with the amounts and everything else. I'm not sure of the tax ratio and all that, but\n\nChannel 0: Yeah.\n\nChannel 1: that went that was, you know, that that advice is still gonna be the same advice except the figure may be a little bit different then. That's\n\nChannel 0: Yeah.\n\nChannel 1: about it because I'm going on my my super has been going quite well. So I sort\n\nChannel 0: It\n\nChannel 1: of went,\n\nChannel 0: has\n\nChannel 1: yeah. No.\n\nChannel 0: been.\n\nChannel 1: Oops. Yes. So\n\nChannel 0: Yeah. Well, the other thing I do wanna talk to you about and the reason I'm offering to do it under personal advice, and I can try to do it as quickly as I possibly can,\n\nChannel 1: yep.\n\nChannel 0: With doing under personal advice, I also wanted to maybe look at swapping out one or two of your investments there\n\nChannel 1: Yes.\n\nChannel 0: as\n\nChannel 1: Because\n\nChannel 0: well.\n\nChannel 1: that is\n\nChannel 0: So\n\nChannel 1: the other one I was thinking about. I was talk I was when I've written notes for myself when I spoke to the last person, the Bennelong Investment Fund's not doing as well as what they what\n\nChannel 0: Yeah. It's\n\nChannel 1: you expected. So I was\n\nChannel 0: no.\n\nChannel 1: gonna\n\nChannel 0: It's\n\nChannel 1: talk to\n\nChannel 0: not.\n\nChannel 1: you about that.\n\nChannel 0: Yeah. So we've been along. They had been doing really well up into the point of November. And then in November, sort of mid November to December, they actually had a bit of a trading halt. One of their underlying investments, Corporate Traveler, had come out to the market and had been, unfortunately, dishonest to their investors and their reporting into the market.\n\nChannel 1: Yes.\n\nChannel 0: So then along had to go back and revalue that portion of their investment, which obviously meant that analysts went back and revalue Benelon as well. So\n\nChannel 1: Yes.\n\nChannel 0: whilst your portfolio as a whole for the entire year is up by 9.38%, which is great to see, Benelon\n\nChannel 1: Yeah.\n\nChannel 0: as a whole, as an investment, is actually pulling your portfolio back now. So we've actually had to after December as the business go back and our licensees reviewed having Benelon in their portfolios. They've now said they wanna remove everybody out. So if you're comfortable with me doing\n\nChannel 1: Yes.\n\nChannel 0: so, I would like to provide the personal advice on helping you to withdraw those funds, but also then replace Benelon with something else and do it as a whole. Because whilst pulling the money out is tax free for yourself, there are obviously some CGT consequences. So I'd like to sort of be able to maybe move the money over, complete the withdrawal, and then possibly swap Benelon with something else for you and try to do it in the most tax effective manner. Would that be at all\n\nChannel 1: Yep.\n\nChannel 0: something you'd be\n\nChannel 1: Perfect.\n\nChannel 0: open to me doing?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yes?\n\nChannel 1: Yep. Yep. Perfect.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I I would just generally expect it would take me about a week to complete the\n\nChannel 1: Yeah.\n\nChannel 0: research there. So the March, which is not next week, the week after, would I be okay to book you in then to kinda go to that advice document and do it all then? Would that be okay?\n\nChannel 1: Yep. Yep. That's fine. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: March the\n\nChannel 0: It's from the second.\n\nChannel 1: March the second year. That's fine.\n\nChannel 0: Yeah. I have the same time on the Tuesday, the third. Would that be okay for you at 05:00,\n\nChannel 1: Yep.\n\nChannel 0: Queensland time?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Tuesday March 3. Yep. It's six\n\nChannel 0: Yeah.\n\nChannel 1: o'clock, seven time.\n\nChannel 0: Perfect. So I'll do it all under the advice for you. So you can obviously\n\nChannel 1: Yep.\n\nChannel 0: see it all. I know you know the you know about the 10% withdrawal and all the implications\n\nChannel 1: Yep.\n\nChannel 0: of doing so. But so we can also because selling them along down and putting something else in the place, there are tax consequences to your funds.\n\nChannel 1: Yes.\n\nChannel 0: So if we are gonna move some money to the the TTR account and withdraw to your bank account and then we're replacing Van Along, we might be able to work out a way in which that sort of alleviates some of the tax consequences on your super. So it provides you with the money, but\n\nChannel 1: Yep.\n\nChannel 0: so your super fund is also benefiting\n\nChannel 1: Yep.\n\nChannel 0: from that switch as well. Is that okay?\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine. Yeah. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: Nothing.\n\nChannel 0: beaut beautiful. I also just wanted to run through a really quick risk profile question there with\n\nChannel 1: Yep.\n\nChannel 0: you. I know you are in that balance profile. I wouldn't expect you to change it all, but just wanted to make sure that we are doing things correctly and in line with your risk tolerance as well.\n\nChannel 1: Mhmm.\n\nChannel 0: I have when you spoke to my colleague, Samantha, you may have mentioned that you were wanting to hopefully retire around age 67. Is that still sort of the goal depending on how things go?\n\nChannel 1: Mhmm. Yeah. Yeah. Just depending on\n\nChannel 0: Yeah.\n\nChannel 1: how things go. Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. Yep.\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: It sounds like\n\nChannel 0: It does\n\nChannel 1: take more\n\nChannel 0: give\n\nChannel 1: holidays.\n\nChannel 0: Absolutely. When we do look at your super, the next question here is asking about how how much risk you're happy to take in order to get the higher returns. So if you say looked at your super and you wanted to get the best possible returns, we need to tend generally take on a higher amount of risk. So do you feel comfortable taking on more risk for better returns?\n\nChannel 1: No.\n\nChannel 0: Would\n\nChannel 1: Because\n\nChannel 0: you see\n\nChannel 1: I don't\n\nChannel 0: yourself\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: don't\n\nChannel 0: the middle\n\nChannel 1: trust\n\nChannel 0: or a bit lower? You\n\nChannel 1: I'm\n\nChannel 0: alright?\n\nChannel 1: I'm probably in the middle. Probably where I'm at at at the moment. I don't trust what's\n\nChannel 0: Yeah.\n\nChannel 1: happening out there in the market and the world with\n\nChannel 0: Yep.\n\nChannel 1: the way every country seems to be hating everybody\n\nChannel 0: Yeah.\n\nChannel 1: for some reason.\n\nChannel 0: There's a lot going on, isn't there?\n\nChannel 1: Yes.\n\nChannel 0: No one's really very stable at the moment.\n\nChannel 1: Yes. That's yeah. That's what\n\nChannel 0: No.\n\nChannel 1: concerns me.\n\nChannel 0: Yeah. No. That's okay. And the next one here is just asking, if you looked at your state for the next sort of six months and it had fallen by 20%, how do you think you might be feeling? Are you wanting to put more money in?\n\nIt's probably a buying opportunity. Are you feeling a bit concerned, wanna hold and wait and call us, or are you more likely to submit your losses and pay maybe move into something safer?\n\nChannel 1: I'd probably ring you guys and get your advice because\n\nChannel 0: Yep.\n\nChannel 1: you're more of an expert. I can look at stuff and oh, yeah. That doesn't make sense. Oh, yeah. That makes sense.\n\nBut\n\nChannel 0: Yeah.\n\nChannel 1: at the end of the day, I'm not doing that every day of the week. So I'd rather\n\nChannel 0: Yeah.\n\nChannel 1: speak to somebody who's got the experience and the knowledge.\n\nChannel 0: Perfect. Excellent. It's a good answer. I love that one. And if you did see your super falling value, do you think you'd be a bit more concerned, anxious, cautious, or optimistic?\n\nHow do you think you'd be feeling sort of?\n\nChannel 1: I think I'd probably be a bit cautious, but I'd,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I mean, my go to would be ringing you guys and saying, hey. What's going on? Can you explain it? What what do you think is the best advice for me? Blah blah blah.\n\nSo\n\nChannel 0: Yep.\n\nChannel 1: that would relieve the anxiety. That would really relieve you know, the cautious is always gonna be there. I think that's with everybody when it comes to this because no one knows what can happen and what can't happen.\n\nChannel 0: Correct.\n\nChannel 1: So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, you you make turnaround and say, hey, Craig. We've come through a better Supery on your Asian company than Hub\n\nChannel 0: Yeah.\n\nChannel 1: '24, and this one's returning more. So do you know what I mean? It's\n\nChannel 0: Absolutely.\n\nChannel 1: sort of yeah. You\n\nChannel 0: Yeah.\n\nChannel 1: guys are you guys watch it all the time. I go and look at it probably once a month and look at it going, yeah. Well, it's it's got it's growing and that's all I look at\n\nChannel 0: Yeah.\n\nChannel 1: growing and it's, you know, that's all I need to really\n\nChannel 0: Yeah.\n\nChannel 1: worry about.\n\nChannel 0: Yep.\n\nChannel 1: You guys,\n\nChannel 0: Yeah.\n\nChannel 1: you guys get paid to do that harder stuff that I takes that away from me.\n\nChannel 0: Perfect. I love that answer. Lovely. Look. Having a look at that the way you have scored there, you are still in that balanced sort of environment, which does see about 60% of your super invested in those growth assets, so things like Australian shares, international shares, listed property, and also some commodities, like a bit of gold and silver there.\n\nChannel 1: Yeah.\n\nChannel 0: And then the other sort of 40% in defensive investments, so lower risk, more cash producing things like cash bonds and fixed interest sort of scenario. That feels fairly comfortable for yourself taking on a little bit less risk in the market, protecting your capital, but still having some of those growth investments there.\n\nChannel 1: Yep. Yep. Yep. No. That\n\nChannel 0: Yep.\n\nChannel 1: sounds complete. Yep.\n\nChannel 0: Yeah. Beautiful. The other thing I wanted to talk to you about is and it's a really good thing you made mention that you don't look at it a great deal, is that is since sort of November, December, it's been in the works for a lot longer than that. But we were able to sort of come up with a new sort of investment product called an estimate. It's a separately managed account.\n\nSo at the moment, when you do look at your sofa, when you log in to Hub 24, that you can see all the underlying investments that you can see where the cash is essentially sitting.\n\nChannel 1: Yes.\n\nChannel 0: If you were if we were to look at moving you in this SMA, you actually wouldn't see all those underlying investments. All you would technically see is your balance, and you would see it allocated into the SMAs that we recommend, the blend of whichever SMAs we put you in.\n\nChannel 1: Yes.\n\nChannel 0: The benefit of having these sorts of products is that if, say, something happened like what's happened with Benelon, and the main thing reason we haven't moved Benelon already is that we technically can't. Because when\n\nChannel 1: Yes.\n\nChannel 0: we onboarded you, we gave you the list of investments and how we were gonna invest the money. We have to be able to talk and do reviews with you first before we happen to move those investments out. But the benefit if you wanted to look at this SMA product is that in there, as I mentioned, you only see the SMAs that you're in. But within those SMAs, we actually have anywhere between 20 to 50\n\nChannel 1: Yes.\n\nChannel 0: different investment options. And the\n\nChannel 1: Yep.\n\nChannel 0: benefit to these sort of separately managed accounts is that in terms of change where the market's changed where investors might be underperforming, it allows us to be able to move those investments out without having to call and so you know what's happening. You do get change reports, and we can provide you with updates whenever we do make those changes, but it does allow us a lot more control around making changes to the portfolios as we need to\n\nChannel 1: Yes.\n\nChannel 0: without having to call and go, hey. This looks like it might be going bad. We wanna move it out. And often that happens after the fact. So, you know, trying to get 1,500 people in to kinda go through the changes in the market and get approvals to do these advice documents can take a bit of time, so it can be\n\nChannel 1: Yeah.\n\nChannel 0: a little bit after the the change needs to occur.\n\nChannel 1: Look, I'm I'm\n\nChannel 0: Would\n\nChannel 1: happy\n\nChannel 0: you\n\nChannel 1: for you you guys to\n\nChannel 0: Yeah.\n\nChannel 1: do that for me because\n\nChannel 0: Yep.\n\nChannel 1: I know my review is this is my 2025 review\n\nChannel 0: Yeah. Correct.\n\nChannel 1: because and\n\nChannel 0: Yeah.\n\nChannel 1: you're behind\n\nChannel 0: Yeah.\n\nChannel 1: on that. So you're behind how much time has been waste not only say wasted. I know I understand because all the changes\n\nChannel 0: Yeah.\n\nChannel 1: that this could if it was when it was if it was done when it was supposed to be done, we would have probably had a lot less been along.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Yes. That's\n\nChannel 0: Well,\n\nChannel 1: you know\n\nChannel 0: the\n\nChannel 1: what I\n\nChannel 0: good\n\nChannel 1: mean?\n\nChannel 0: news,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, the good news is that by not moving out of Benelong now, it has had a little bit of a rebalance sorry. A rebalance back. So\n\nChannel 1: Yeah.\n\nChannel 0: you'd actually the market has called back by that sort of three to 5% from where it was down originally, but you are still seeing that down pretty significantly from where it should have been.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, the one of the good things about this estimated product is that we can make those changes for you.\n\nChannel 1: Yes.\n\nChannel 0: And last year, we did kinda get behind, and I do apologize. It was not any not anything anyone wanted. It was kind of a combination of a lot of different issues throughout the year with the the weather, the siphon that came through, then some changes within the business model as well.\n\nChannel 1: Yes. Yes.\n\nChannel 0: But, no, I absolutely do agree. And having that estimate product, if you're comfortable with looking at that, we could actually be making changes in there on a regular basis depending on what the market needs to happen. We'll still do reviews with you and review your risk level, make sure you're investing correctly. But\n\nChannel 1: Yes.\n\nChannel 0: it does mean we can move those sorts of investments out for you without having to call you\n\nChannel 1: Yeah.\n\nChannel 0: and go, hey. This looks like it might be a problem. Can we move it out? And it does give us a bit more control around those aspects. And the estimate has been built by our investment committee, but also utilizing BlackRock.\n\nAnd BlackRock are one of Australia's largest investment firms. So we get to use their analysts and and their investment managers to kinda help build these sorts of investment portfolios, which is really cool. We can utilize some of the coolest brains in the\n\nChannel 1: Yeah.\n\nChannel 0: in the industry.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah. Because\n\nChannel 0: if\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: think that\n\nChannel 0: comfortable,\n\nChannel 1: I think that's\n\nChannel 0: I\n\nChannel 1: a good\n\nChannel 0: would\n\nChannel 1: idea.\n\nChannel 0: do\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: I think that's\n\nChannel 0: Yeah.\n\nChannel 1: a good idea. Yeah. More than happy for that to happen. Yeah. That's cool.\n\nChannel 0: Yep.\n\nChannel 1: Yep. That's not a drama at all. So so\n\nChannel 0: Perfect. Lovely. Well, I've booked you back in there for the third\n\nChannel 1: yeah.\n\nChannel 0: sorry. The choose the March 3 at 5PM. In\n\nChannel 1: Yep.\n\nChannel 0: the meantime, I'll go back and do a little bit of research for you on the estimate. We do have a plan that shows you withdrawing those funds out of that TTR, then we'll roll it all back into the one account so we're not\n\nChannel 1: Yep.\n\nChannel 0: having to pay too much in the way of fees there,\n\nChannel 1: Yes.\n\nChannel 0: and also looking at those investment switches and how that can work for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Now the other thing that was mentioned to me\n\nChannel 0: Yeah.\n\nChannel 1: was something about my tax file number. They said\n\nChannel 0: Right.\n\nChannel 1: it's not on record, and they said just to give you authorization to and I thought I gave my tax phone number out.\n\nChannel 0: You absolutely would have when we first onboarded you, but\n\nChannel 1: Yeah.\n\nChannel 0: let me just double check because we abs we do need it to be able to open the super account.\n\nChannel 1: Because I can't understand how the other super account wasn't was opened if you have a tax phone number. That's what I\n\nChannel 0: Yes.\n\nChannel 1: said to the lady. So it didn't make it sort of\n\nChannel 0: Does it\n\nChannel 1: she\n\nChannel 0: make\n\nChannel 1: she\n\nChannel 0: sense?\n\nChannel 1: got a yeah. Yeah. It didn't make\n\nChannel 0: Yeah.\n\nChannel 1: sense. But\n\nChannel 0: That's okay. Let's have a bit of a look here for you. Okay. So it's not showing there, but I can go back into the system and go all the way back to double check what we had, which\n\nChannel 1: Yep.\n\nChannel 0: is really easy just to scroll back for you. Let's have a look. I do know with the tax file numbers, with the annual reviews at the moment, we are updating the consent for that, and they're doing a tax file opt in form. So that might\n\nChannel 1: Yeah.\n\nChannel 0: be what she was talking about.\n\nChannel 1: Oh, I\n\nChannel 0: This\n\nChannel 1: can.\n\nChannel 0: is important to update the consent for holding your tax file number, but I just wanna make sure we do have it on file\n\nChannel 1: Yeah.\n\nChannel 0: for you as well.\n\nChannel 1: The pizza\n\nChannel 0: Yeah.\n\nChannel 1: comes with that. It's on your super, but you don't hold it. And I'm going, oh, that doesn't make sense because you opened my super.\n\nChannel 0: Yeah. No. The way that essentially works is that we do when we onboard you originally, we do obtain the information for you, but we don't keep a record of it sitting in, like, a fact finder\n\nChannel 1: Yeah.\n\nChannel 0: or anything.\n\nChannel 1: Uh-huh. Yeah.\n\nChannel 0: Anyone who when we provide it to your super fund, they have it. They hold it, but they mark it out. So it's actually redacted from any documents.\n\nChannel 1: Okay.\n\nChannel 0: And we have to do the same thing. We have to redact it to make sure\n\nChannel 1: Yes.\n\nChannel 0: that we're not holding it anywhere where it could get you know, could be misused in any way, shape, or form because it is very sensitive information for you.\n\nChannel 1: Yeah.\n\nChannel 0: But we do I'll just also updating the consent form. So we have a what's called a tax file opt in form, which is always sent out with your annual review pack just to gain your updated consent\n\nChannel 1: Yep.\n\nChannel 0: for holding that for you. I can see the onboarding email here. Let's have a look now. There it is. We do have a record of it.\n\nYeah.\n\nChannel 1: Yep. Oh,\n\nChannel 0: Yep.\n\nChannel 1: excellent.\n\nChannel 0: Perfect. So I'll get the the team to just make sure they've got that the opt in form completed. If it's not, I'll get it sent out to you when we go through the advice documents just so we're updating all those documents in there. But we definitely do have a copy of your tax phone number here\n\nChannel 1: Beautiful.\n\nChannel 0: for our records, all nicely redacted and protected for you. Okay?\n\nChannel 1: Excellent. Beautiful. That's perfect.\n\nChannel 0: Excellent. All good, Craig.\n\nChannel 1: Okay.\n\nChannel 0: Is it the other thing I just wanna double check is because we are looking at withdrawing some money and making changes to the portfolio, one of the things we did kinda touch base on last time we caught up was the fact maybe looking at salary sacrifice down the track. Is that something you're wanting to look at down the track a bit\n\nChannel 1: Yeah.\n\nChannel 0: more or\n\nChannel 1: I'm\n\nChannel 0: you're not really\n\nChannel 1: I'm\n\nChannel 0: yeah.\n\nChannel 1: oh, it's sort of neat. I'm gonna look at it because at the moment, like, we've changed companies. Monash, I'll change companies to this new salary sacrifice company called\n\nChannel 0: Yep.\n\nChannel 1: Smart Salary,\n\nChannel 0: Okay.\n\nChannel 1: and I don't like it.\n\nChannel 0: Okay.\n\nChannel 1: So every time I try to log in to the app, it it's crashing. And if\n\nChannel 0: Right.\n\nChannel 1: I need to put a claim in to get anything, I can't do it on the app. I've gotta go on the computer and then log in and scan. And it's just it's just become it's just become a nightmare, and everyone's complaining about it. And they seem to be charging us more fees than what Maxia charged us. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Wow.\n\nChannel 1: So at the moment, I am still looking at it, but I'm sort of\n\nChannel 0: Okay.\n\nChannel 1: I don't have the trust in them getting it right either.\n\nChannel 0: Okay.\n\nChannel 1: That's\n\nChannel 0: So you're not wanting not wanting to consider it as part of this part of the advice. We'll maybe\n\nChannel 1: No.\n\nChannel 0: hold off for a bit longer until\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: Yep.\n\nChannel 0: comfortable.\n\nChannel 1: That'll\n\nChannel 0: Yep.\n\nChannel 1: be good.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I just thought of yeah. I've got they've they've been with us for about eight or nine months now, and it's like, there's nothing but drama. Everyone's having trouble with\n\nChannel 0: Oh,\n\nChannel 1: them. So we're all going,\n\nChannel 0: yeah.\n\nChannel 1: why have we got this crap? So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So I'd rather be safe. I know I'm\n\nChannel 0: Yep.\n\nChannel 1: a bit of a I sound safe too safe sometimes, but I just\n\nChannel 0: That's\n\nChannel 1: rather\n\nChannel 0: okay.\n\nChannel 1: I'd be able to be comfortable and that's what I'd rather\n\nChannel 0: Yeah.\n\nChannel 1: be.\n\nChannel 0: Yep.\n\nChannel 1: So yeah.\n\nChannel 0: Yep. No.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. That's not a problem at all. Well, what I'll do is I'll go back and do some research there for\n\nChannel 1: Yes.\n\nChannel 0: you. I'll factor in the withdrawal out of that ten percent. I'll also look at changing you over to the estimated product. I'll\n\nChannel 1: Yes.\n\nChannel 0: also look at other investments to make sure that if it's gonna be too tax ineffective for you that we can at least swap out that then along into something else,\n\nChannel 1: Yes.\n\nChannel 0: and I'll show you what I recommend.\n\nChannel 1: Yep.\n\nChannel 0: And then I'll show you the effect up into the age of 67 once we complete that as well. Is that\n\nChannel 1: Yep.\n\nChannel 0: okay? Does\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Beautiful.\n\nChannel 0: sound right? Yep.\n\nChannel 1: Yep. Perfect. Perfect. Excellent.\n\nChannel 0: Excellent. Is there anything else that you wanted me to factor into that at all? Or\n\nChannel 1: No. That's it, Dana. That's\n\nChannel 0: no.\n\nChannel 1: fantastic.\n\nChannel 0: Oh,\n\nChannel 1: Yep. Perfect.\n\nChannel 0: beautiful. Well, I'll get cracking on that for you there, Craig. I've booked you back in for two weeks, and we'll\n\nChannel 1: Yep.\n\nChannel 0: go through it together, and then you can let me know what you wanna do. Okay?\n\nChannel 1: No worries at all. Okay. Thanks, Dana.\n\nChannel 0: No worries. You\n\nChannel 1: Have\n\nChannel 0: have\n\nChannel 1: a good\n\nChannel 0: a lovely\n\nChannel 1: night.\n\nChannel 0: day. Talk to\n\nChannel 1: You\n\nChannel 0: you\n\nChannel 1: too.\n\nChannel 0: soon.\n\nChannel 1: Bye.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.0165470652282238},{"text":"Craig speaking.","start":1.8399999,"end":2.58,"sentiment":"neutral","sentiment_score":0.017054344527423382},{"text":"Hello?","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.0196529608219862}],"sentiment":"neutral","sentiment_score":0.01757717877626419,"channel":1,"num_words":4,"start":1.4399999,"end":5.7799997},{"sentences":[{"text":"Hi, Craig.","start":6.56,"end":7.2,"sentiment":"neutral","sentiment_score":0.12288515642285347},{"text":"It's Dana from OQ Financial.","start":7.2,"end":8.74,"sentiment":"neutral","sentiment_score":0.17103435099124908},{"text":"How are you this afternoon?","start":8.8,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.203183513879776}],"sentiment":"neutral","sentiment_score":0.17640496976673603,"channel":0,"num_words":12,"start":6.56,"end":10.0199995},{"sentences":[{"text":"Good.","start":10.16,"end":10.4,"sentiment":"positive","sentiment_score":0.47451481223106384},{"text":"Thanks.","start":10.4,"end":10.719999,"sentiment":"positive","sentiment_score":0.49912697076797485},{"text":"How are","start":10.719999,"end":10.96,"sentiment":"positive","sentiment_score":0.33966509997844696}],"sentiment":"positive","sentiment_score":0.41324299573898315,"channel":1,"num_words":4,"start":10.16,"end":10.96},{"sentences":[{"text":"Good.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.44914087653160095}],"sentiment":"positive","sentiment_score":0.44914087653160095,"channel":0,"num_words":1,"start":10.8,"end":11.3},{"sentences":[{"text":"you?","start":10.96,"end":11.46,"sentiment":"positive","sentiment_score":0.3592814803123474}],"sentiment":"positive","sentiment_score":0.3592814803123474,"channel":1,"num_words":1,"start":10.96,"end":11.46},{"sentences":[{"text":"I'm very well.","start":11.599999,"end":12.48,"sentiment":"positive","sentiment_score":0.5228452682495117},{"text":"Thank you.","start":12.48,"end":12.88,"sentiment":"positive","sentiment_score":0.5193695276975632},{"text":"How's your week been?","start":12.88,"end":14.179999,"sentiment":"neutral","sentiment_score":0.18950577825307846}],"sentiment":"positive","sentiment_score":0.3739219970173306,"channel":0,"num_words":9,"start":11.599999,"end":14.179999},{"sentences":[{"text":"Yeah.","start":14.905,"end":15.224999,"sentiment":"neutral","sentiment_score":0.09172245860099792},{"text":"Yeah.","start":15.224999,"end":15.724999,"sentiment":"neutral","sentiment_score":0.10433320701122284},{"text":"Not bad.","start":15.865,"end":16.345,"sentiment":"neutral","sentiment_score":0.12686674296855927},{"text":"Not","start":16.345,"end":16.585,"sentiment":"neutral","sentiment_score":0.1269514560699463}],"sentiment":"neutral","sentiment_score":0.11534812152385712,"channel":1,"num_words":5,"start":14.905,"end":16.585},{"sentences":[{"text":"Yeah.","start":16.345,"end":16.845,"sentiment":"neutral","sentiment_score":0.11795313656330109}],"sentiment":"neutral","sentiment_score":0.11795313656330109,"channel":0,"num_words":1,"start":16.345,"end":16.845},{"sentences":[{"text":"bad.","start":16.585,"end":17.064999,"sentiment":"neutral","sentiment_score":0.13497823476791382},{"text":"Hope hopefully, it's quieting down a little bit, but it's alright.","start":17.064999,"end":20.045,"sentiment":"neutral","sentiment_score":0.12031642279841682}],"sentiment":"neutral","sentiment_score":0.12153824046254158,"channel":1,"num_words":12,"start":16.585,"end":20.045},{"sentences":[{"text":"Absolutely.","start":20.265,"end":20.765,"sentiment":"neutral","sentiment_score":0.26471662521362305},{"text":"Look.","start":20.825,"end":20.985,"sentiment":"neutral","sentiment_score":0.13773176074028015},{"text":"It's only Monday.","start":20.985,"end":21.705,"sentiment":"neutral","sentiment_score":0.04388398925463358},{"text":"We still got a few days to go, but,","start":21.705,"end":23.305,"sentiment":"neutral","sentiment_score":0.021173433504170842}],"sentiment":"neutral","sentiment_score":0.051761518232524395,"channel":0,"num_words":14,"start":20.265,"end":23.305},{"sentences":[{"text":"No.","start":23.305,"end":23.465,"sentiment":"neutral","sentiment_score":-0.09087491035461426},{"text":"No.","start":23.465,"end":23.965,"sentiment":"neutral","sentiment_score":-0.11349399387836456}],"sentiment":"neutral","sentiment_score":-0.10218445211648941,"channel":1,"num_words":2,"start":23.305,"end":23.965},{"sentences":[{"text":"hopefully, it's a good hopefully, it goes well for you.","start":23.465,"end":26.125,"sentiment":"neutral","sentiment_score":0.1694679383188486}],"sentiment":"neutral","sentiment_score":0.1694679383188486,"channel":0,"num_words":10,"start":23.465,"end":26.125},{"sentences":[{"text":"Yeah.","start":26.105,"end":26.605,"sentiment":"neutral","sentiment_score":0.15514205396175385},{"text":"Hopefully, it will.","start":26.664999,"end":27.704998,"sentiment":"neutral","sentiment_score":0.25071715315183},{"text":"See you, mate.","start":27.704998,"end":28.41,"sentiment":"positive","sentiment_score":0.3573443690935771}],"sentiment":"neutral","sentiment_score":0.28276094581399647,"channel":1,"num_words":7,"start":26.105,"end":28.41},{"sentences":[{"text":"It's all good.","start":28.265,"end":29.849998,"sentiment":"positive","sentiment_score":0.48445119460423786},{"text":"Craig, I had you booked in to have a bit of a follow-up conversation with, like,","start":29.91,"end":32.949997,"sentiment":"neutral","sentiment_score":0.06689546094276011}],"sentiment":"neutral","sentiment_score":0.13282531362615133,"channel":0,"num_words":19,"start":28.265,"end":32.949997},{"sentences":[{"text":"Yep.","start":32.65,"end":33.15,"sentiment":"neutral","sentiment_score":0.04926159232854843}],"sentiment":"neutral","sentiment_score":0.04926159232854843,"channel":1,"num_words":1,"start":32.65,"end":33.15},{"sentences":[{"text":"interrelation to accessing some more money.","start":32.949997,"end":35.129997,"sentiment":"neutral","sentiment_score":0.04871774216492971}],"sentiment":"neutral","sentiment_score":0.04871774216492971,"channel":0,"num_words":6,"start":32.949997,"end":35.129997},{"sentences":[{"text":"Yep.","start":35.29,"end":35.79,"sentiment":"neutral","sentiment_score":0.05306510627269745}],"sentiment":"neutral","sentiment_score":0.05306510627269745,"channel":1,"num_words":1,"start":35.29,"end":35.79},{"sentences":[{"text":"Just before I do, I do have to let you know our calls are recorded for quality and training purposes.","start":35.43,"end":40.07,"sentiment":"neutral","sentiment_score":0.043713105469942094},{"text":"Are you happy for me to proceed with that?","start":40.07,"end":42.075,"sentiment":"neutral","sentiment_score":0.08948359307315615}],"sentiment":"neutral","sentiment_score":0.05791773955369818,"channel":0,"num_words":29,"start":35.43,"end":42.075},{"sentences":[{"text":"Yep.","start":41.975002,"end":42.295002,"sentiment":"neutral","sentiment_score":0.013636017218232157},{"text":"No","start":42.295002,"end":42.795002,"sentiment":"neutral","sentiment_score":-0.09826017916202544}],"sentiment":"neutral","sentiment_score":-0.04231208097189664,"channel":1,"num_words":2,"start":41.975002,"end":42.795002},{"sentences":[{"text":"Fantastic.","start":43.755,"end":44.235,"sentiment":"neutral","sentiment_score":0.06788423657417297},{"text":"And due to","start":44.235,"end":44.795002,"sentiment":"neutral","sentiment_score":-0.019888280580441158}],"sentiment":"neutral","sentiment_score":0.002054848708212376,"channel":0,"num_words":4,"start":43.755,"end":44.795002},{"sentences":[{"text":"drama","start":44.655003,"end":45.155003,"sentiment":"neutral","sentiment_score":-0.0031404346227645874}],"sentiment":"neutral","sentiment_score":-0.0031404346227645874,"channel":1,"num_words":1,"start":44.655003,"end":45.155003},{"sentences":[{"text":"security with you as well, we are discussing your personal","start":44.795002,"end":47.115,"sentiment":"neutral","sentiment_score":0.002663971483707428}],"sentiment":"neutral","sentiment_score":0.002663971483707428,"channel":0,"num_words":10,"start":44.795002,"end":47.115},{"sentences":[{"text":"at","start":47.015,"end":47.515,"sentiment":"neutral","sentiment_score":-0.01500614732503891}],"sentiment":"neutral","sentiment_score":-0.01500614732503891,"channel":1,"num_words":1,"start":47.015,"end":47.515},{"sentences":[{"text":"information.","start":47.115,"end":47.515,"sentiment":"neutral","sentiment_score":-0.006231434643268585},{"text":"So I just need to confirm your full name, your","start":47.515,"end":49.435,"sentiment":"neutral","sentiment_score":0.01854137647897005}],"sentiment":"neutral","sentiment_score":0.01628930274058472,"channel":0,"num_words":11,"start":47.115,"end":49.435},{"sentences":[{"text":"all.","start":49.375,"end":49.875,"sentiment":"neutral","sentiment_score":0.013147767633199692}],"sentiment":"neutral","sentiment_score":0.013147767633199692,"channel":1,"num_words":1,"start":49.375,"end":49.875},{"sentences":[{"text":"date of birth, and address I should have on file.","start":49.435,"end":51.615,"sentiment":"neutral","sentiment_score":0.005113312322646379}],"sentiment":"neutral","sentiment_score":0.005113312322646379,"channel":0,"num_words":10,"start":49.435,"end":51.615},{"sentences":[{"text":"Yep.","start":51.735,"end":52.055,"sentiment":"neutral","sentiment_score":0.021697571501135823},{"text":"It's Craig and 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from OQ Financial speak with customers about their balance and withdrawal options. They offer personal advice and transaction advice, but are unsure of tax ratios and potential risks. The success of a Benelon investment is discussed, and the process of updating an estimate is ongoing. The customer is also considering withdrawing money and making changes to their portfolio, as well as updating their tax file number and reviewing their annual review pack. The representatives provide guidance on risk tolerance and update their tax file numbers, as well as updating their consent forms and informing them of changes to their tax file and portfolio."},"intents":{"segments":[{"text":"And due to drama security with you as well, we are discussing your personal at information. So I just need to confirm your full name, your all. date of birth, and address I should have on file. Yep.","start_word":141,"end_word":178,"intents":[{"intent":"Confirm details","confidence_score":0.016549967}]},{"text":"That's it. Oh, good.","start_word":297,"end_word":300,"intents":[{"intent":"End conversation","confidence_score":0.02640516}]},{"text":"You wanted to access another 10% of your super. Is that right?","start_word":314,"end_word":325,"intents":[{"intent":"Access super","confidence_score":0.6178194},{"intent":"Access super","confidence_score":0.04391004}]},{"text":"So in order to be able to access that 10%, we do move as much as we possibly can into that transition retirement account like we did last time. Yeah. Yeah.","start_word":377,"end_word":407,"intents":[{"intent":"Move into retirement account","confidence_score":0.12702516}]},{"text":"I said that as the person I spoke to before. I said I know they last time they left $10,000 in there. So Yep. a 120 if they transfer a 110, then I can get 10% off 11 a 110,000, which should be about 11,000. Yeah.","start_word":425,"end_word":470,"intents":[{"intent":"Leave $10,000","confidence_score":0.0074051833}]},{"text":"a 120 if they transfer a 110, then I can get 10% off 11 a 110,000, which should be about 11,000. Yeah.","start_word":449,"end_word":470,"intents":[{"intent":"Calculate transfer rate","confidence_score":0.0000330765}]},{"text":"So with the withdrawal that you're after, any particular reason? So is this living Yeah.","start_word":620,"end_word":634,"intents":[{"intent":"Determine withdrawal reason","confidence_score":0.21080972}]},{"text":"I have to spend some money because my other car broke down. I have to go and get a new car. Yeah.","start_word":654,"end_word":675,"intents":[{"intent":"Go to new car","confidence_score":0.0052526062}]},{"text":"So I do use that money. So I just wanna keep it topped up to that minimum amount that I'd like to have Yeah.","start_word":676,"end_word":699,"intents":[{"intent":"Maintain funds","confidence_score":0.004710693}]},{"text":"Abs So it's earning interest anyway, so which isn't good, which yeah. is which is bad. So yeah.","start_word":705,"end_word":722,"intents":[{"intent":"Deduct interest","confidence_score":0.0018401829}]},{"text":"I can do it for you under a statement of advice, which means that I provide personal advice to you in relation to the withdrawal, give you the advantages, disadvantages, and the risks involved, Yes.","start_word":736,"end_word":770,"intents":[{"intent":"Offer advice","confidence_score":0.14268526}]},{"text":"Alternatively, if you're comfortable with that, you can direct us to do it under a transaction without advice, which is obviously quicker, but it means that you understand that you're taking on the risks there, and we just get that withdrawal process and get you to sign the transaction without any advice and give you I'm the happy. risks.","start_word":793,"end_word":851,"intents":[{"intent":"Confirm understanding","confidence_score":0.09132451}]},{"text":"Well, the other thing I do wanna talk to you about and the reason I'm offering to do it under personal advice, and I can try to do it as quickly as I possibly can, yep. With doing under personal advice, I also wanted to maybe look at swapping out one or two of your investments there Yes.","start_word":977,"end_word":1034,"intents":[{"intent":"Discuss portfolio management","confidence_score":0.0020837092}]},{"text":"I was talk I was when I've written notes for myself when I spoke to the last person, the Bennelong Investment Fund's not doing as well as what they what Yeah.","start_word":1047,"end_word":1077,"intents":[{"intent":"Explain situation and why","confidence_score":1.479268e-7}]},{"text":"So I'd like to sort of be able to maybe move the money over, complete the withdrawal, and then possibly swap Benelon with something else for you and try to do it in the most tax effective manner.","start_word":1304,"end_word":1341,"intents":[{"intent":"Assist with decision-making","confidence_score":0.0000068253503}]},{"text":"So the March, which is not next week, the week after, would I be okay to book you in then to kinda go to that advice document and do it all then? Would that be okay? Yep.","start_word":1382,"end_word":1418,"intents":[{"intent":"Confirm booking","confidence_score":0.0053246133}]},{"text":"I have the same time on the Tuesday, the third. Would that be okay for you at 05:00, Yep. Queensland time?","start_word":1438,"end_word":1458,"intents":[{"intent":"Explain timing","confidence_score":0.006364277}]},{"text":"I know you know the you know about the 10% withdrawal and all the implications Yep. of doing so. But so we can also because selling them along down and putting something else in the place, there are tax consequences to your funds.","start_word":1490,"end_word":1532,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.060015935}]},{"text":"I also just wanted to run through a really quick risk profile question there with Yep. you.","start_word":1617,"end_word":1633,"intents":[{"intent":"Discuss risk profile","confidence_score":0.049985673}]},{"text":"I wouldn't expect you to change it all, but just wanted to make sure that we are doing things correctly and in line with your risk tolerance as well. Mhmm.","start_word":1643,"end_word":1672,"intents":[{"intent":"Understand risk tolerance","confidence_score":0.00584588},{"intent":"Discuss risk tolerance","confidence_score":0.21189755},{"intent":"Discuss risk tolerance","confidence_score":0.027308842}]},{"text":"I have when you spoke to my colleague, Samantha, you may have mentioned that you were wanting to hopefully retire around age 67. Is that still sort of the goal depending on how things go?","start_word":1672,"end_word":1706,"intents":[{"intent":"Focus on retirement goal","confidence_score":0.00036307258}]},{"text":"I have when you spoke to my colleague, Samantha, you may have mentioned that you were wanting to hopefully retire around age 67. Is that still sort of the goal depending on how things go? Mhmm.","start_word":1672,"end_word":1707,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.007719234}]},{"text":"Would Because you see I don't yourself I in don't the middle trust or a bit lower? You I'm alright?","start_word":1806,"end_word":1825,"intents":[{"intent":"Assess trust level","confidence_score":0.0051142774}]},{"text":"And the next one here is just asking, if you looked at your state for the next sort of six months and it had fallen by 20%, how do you think you might be feeling? Are you wanting to put more money in?","start_word":1896,"end_word":1938,"intents":[{"intent":"Understand financial situation","confidence_score":0.0009029941}]},{"text":"I'd probably ring you guys and get your advice because Yep. you're more of an expert. I can look at stuff and oh, yeah.","start_word":1973,"end_word":1996,"intents":[{"intent":"Seek advice","confidence_score":0.113286585}]},{"text":"at the end of the day, I'm not doing that every day of the week. So I'd rather Yeah. speak to somebody who's got the experience and the knowledge. Perfect.","start_word":2008,"end_word":2037,"intents":[{"intent":"Stating purpose of the call","confidence_score":0.0026249287}]},{"text":"Excellent.","start_word":2038,"end_word":2038,"intents":[{"intent":"Expressing readiness to discuss","confidence_score":0.00000562194}]},{"text":"Excellent. It's a good answer. I love that one.","start_word":2038,"end_word":2046,"intents":[{"intent":"Expressing satisfaction","confidence_score":0.004858221}]},{"text":"It's a good answer. I love that one.","start_word":2039,"end_word":2046,"intents":[{"intent":"Expressing gratitude for advice","confidence_score":0.0006388917}]},{"text":"yeah, you you make turnaround and say, hey, Craig. We've come through a better Supery on your Asian company than Hub Yeah.","start_word":2169,"end_word":2190,"intents":[{"intent":"Discussing future direction of company","confidence_score":0.00046909598}]},{"text":"If you were if we were to look at moving you in this SMA, you actually wouldn't see all those underlying investments. All you would technically see is your balance, and you would see it allocated into the SMAs that we recommend, the blend of whichever SMAs we put you in. Yes.","start_word":2519,"end_word":2570,"intents":[{"intent":"Discuss sma options","confidence_score":0.00011563407}]},{"text":"You do get change reports, and we can provide you with updates whenever we do make those changes, but it does allow us a lot more control around making changes to the portfolios as we need to Yes.","start_word":2737,"end_word":2774,"intents":[{"intent":"Update portfolios","confidence_score":0.02170631}]},{"text":"But, yeah, the one of the good things about this estimated product is that we can make those changes for you. Yes. And last year, we did kinda get behind, and I do apologize. It was not any not anything anyone wanted. It was kind of a combination of a lot of different issues throughout the year with the the weather, the siphon that came through, then some changes within the business model as well. Yes.","start_word":3019,"end_word":3094,"intents":[{"intent":"Make decisions","confidence_score":0.011219557}]},{"text":"was something about my tax file number. They said Right.","start_word":3416,"end_word":3425,"intents":[{"intent":"Discuss tax file number","confidence_score":0.00517847},{"intent":"Ask about tax file number","confidence_score":0.0015596962},{"intent":"Discuss tax file number","confidence_score":0.01438221},{"intent":"Discuss tax file numbers","confidence_score":0.0066680633}]},{"text":"I do know with the tax file numbers, with the annual reviews at the moment, we are updating the consent for that, and they're doing a tax file opt in form. So that might Yeah.","start_word":3583,"end_word":3617,"intents":[{"intent":"Update consent","confidence_score":0.32596973}]},{"text":"But we do I'll just also updating the consent form. So we have a what's called a tax file opt in form, which is always sent out with your annual review pack just to gain your updated consent Yep.","start_word":3803,"end_word":3841,"intents":[{"intent":"Update consent form","confidence_score":0.082538895}]},{"text":"and I don't like it. Okay.","start_word":4059,"end_word":4064,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.10203214}]},{"text":"And they seem to be charging us more fees than what Maxia charged us. But Yeah. yeah.","start_word":4127,"end_word":4143,"intents":[{"intent":"Investigate compensation issue","confidence_score":0.00017275593}]},{"text":"We'll maybe No. hold off for a bit longer until Yeah.","start_word":4190,"end_word":4200,"intents":[{"intent":"Suggest caution","confidence_score":0.00004529465}]},{"text":"yeah. So Yeah. yeah.","start_word":4255,"end_word":4258,"intents":[{"intent":"Confirm understanding","confidence_score":0.006662486}]},{"text":"Well, what I'll do is I'll go back and do some research there for Yes. you.","start_word":4311,"end_word":4326,"intents":[{"intent":"Recommend research","confidence_score":0.016462658}]}]},"sentiments":{"segments":[{"text":"Hello. Craig speaking. Hello? Hi, Craig. It's Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.13101790845394137},{"text":"Good. Thanks. How Good. are you? I'm very well. Thank you.","start_word":16,"end_word":26,"sentiment":"positive","sentiment_score":0.4672966599464417},{"text":"How's your week been? Yeah. Yeah. Not bad. Yeah. Not bad. Hope hopefully, it's quieting down a little bit, but it's alright. Absolutely. Look. It's only Monday. We still got a few days to go, but, No. hopefully, No. it's a good hopefully, it goes well for you. Yeah. Hopefully, it will.","start_word":27,"end_word":78,"sentiment":"neutral","sentiment_score":0.11533530056476592},{"text":"See you, mate. It's all good.","start_word":79,"end_word":84,"sentiment":"positive","sentiment_score":0.4269673824310303},{"text":"Craig, I had you booked in to have a bit of a follow-up conversation with, like, Yep. interrelation to accessing some more money. Yep. Just before I do, I do have to let you know our calls are recorded for quality and training purposes. Are you happy for me to proceed with that? Yep. No Fantastic. And due to drama security with you as well, we are discussing your personal at information. So I just need to confirm your full name, your all. date of birth, and address I should have on file. Yep. It's Craig and Nesser. Yep. 28 Drysdale Avenue, Frankston, Victoria. It's third of the fourth 1964.","start_word":85,"end_word":194,"sentiment":"neutral","sentiment_score":0.03359130769968033},{"text":"Beautiful. Thank you so much for that.","start_word":195,"end_word":201,"sentiment":"positive","sentiment_score":0.35548776388168335},{"text":"Did you get some downtime over the Christmas break at all, or No. Not it kept at working? all. No? Yep. No. Stop it. Yes. Oh, wow. Wow. Hopefully, you got those extra public holiday rates and earn some extra dosh over time. No. I usually take time off in blue because by the time you get those kind of holiday rates, your You tax pay trip more is tax. gonna be yeah. So That's it's it.","start_word":202,"end_word":278,"sentiment":"neutral","sentiment_score":-0.08062801510095596},{"text":"not worth it.","start_word":279,"end_word":281,"sentiment":"negative","sentiment_score":-0.494540274143219},{"text":"That's it. They see it's all coming, don't they? Yeah. Exactly.","start_word":282,"end_word":292,"sentiment":"neutral","sentiment_score":-0.17087788879871368},{"text":"She can't win.","start_word":293,"end_word":295,"sentiment":"negative","sentiment_score":-0.4339251518249512},{"text":"No. That's it. Oh, good. Well, I had you booked in to have a bit of a chat. You wanted to access another 10% of your super. Is that right? Yes. That's correct. Yep. Yeah.","start_word":296,"end_word":330,"sentiment":"neutral","sentiment_score":0.04543283794607435},{"text":"Absolutely. Perfect.","start_word":331,"end_word":332,"sentiment":"positive","sentiment_score":0.6738266348838806},{"text":"So just to kinda go through the details there with you. Now having a bit of a look here, your balance at the moment is about A sorry. 100 and almost 130. Yeah. No.","start_word":333,"end_word":366,"sentiment":"neutral","sentiment_score":0.08221565186977386},{"text":"It's doing really, really well.","start_word":367,"end_word":371,"sentiment":"positive","sentiment_score":0.39464250206947327},{"text":"It's Yep. about a 123,690. So in order to be able to access that 10%, we do move as much as we possibly can into that transition retirement account like we did last time. Yeah. Yeah. We That's do have not to leave you're right. Sorry? sorry. I just said to the lady. I said that as the person I spoke to before. I said I know they last time they left $10,000 in there. So Yep. a 120 if they transfer a 110, then I can get 10% off 11 a 110,000, which should be about 11,000. Yeah. Approximate So we do actually approximately. have, yeah, Yeah. you're right. We do have to leave the 10,000 behind, Yeah. but we also have to leave the tax liability, which is slightly higher now. So Yes. it does mean for us I had a really good look at this this before the call. We do have to leave 13,000 behind in this into the super side of things, which means that we can transfer across about a 110,600 Yep. and 90. So 10% of that gives us approximately 11,069. Are Yep. you fairly comfortable with that Yep. sort of? That's fine. Yep. That's fine. Yep. Yep.","start_word":372,"end_word":576,"sentiment":"neutral","sentiment_score":0.05280971899628639},{"text":"Beautiful. And that is based on today's balance.","start_word":577,"end_word":584,"sentiment":"positive","sentiment_score":0.3882693946361542},{"text":"So so long as the market doesn't take a major dip over the next few weeks, that should absolutely be fine. Yep. Yep. That's Now it, mama. just sort of just wanna also find out. So with the withdrawal that you're after, any particular reason? So is this living Yeah. expenses, or do What you have happened? something specific? Yes. My second is Yeah. a little bit changed. Okay.","start_word":585,"end_word":653,"sentiment":"neutral","sentiment_score":0.08800259907392488},{"text":"I have to spend some money because my other car broke down.","start_word":654,"end_word":665,"sentiment":"negative","sentiment_score":-0.3467659652233124},{"text":"I have to go and get a new car. Yeah. So I do use that money. So I just wanna keep it topped up to that minimum amount that I'd like to have Yeah. in my bank No. account. Abs So it's earning interest anyway, so which isn't good, which yeah.","start_word":666,"end_word":716,"sentiment":"neutral","sentiment_score":-0.05055323615670204},{"text":"is which is bad.","start_word":717,"end_word":720,"sentiment":"negative","sentiment_score":-0.3493749499320984},{"text":"So yeah.","start_word":721,"end_word":722,"sentiment":"neutral","sentiment_score":0.06601846218109131},{"text":"Absolutely. That's not a problem at all.","start_word":723,"end_word":729,"sentiment":"positive","sentiment_score":0.475847601890564},{"text":"Now we do have two options. I can do it for you under a statement of advice, which means that I provide personal advice to you in relation to the withdrawal, give you the advantages, disadvantages, and the risks involved, Yes.","start_word":730,"end_word":770,"sentiment":"neutral","sentiment_score":0.27346181869506836},{"text":"and then you can make it your mind from there. It's the same the same way we did it last time.","start_word":771,"end_word":791,"sentiment":"positive","sentiment_score":0.3660581409931183},{"text":"Yes. Alternatively, if you're comfortable with that, you can direct us to do it under a transaction without advice, which is obviously quicker, but it means that you understand that you're taking on the risks there, and we just get that withdrawal process and get you to sign the transaction without any advice and give you I'm the happy. risks. Did you want me to I'm do it you're under trapped. advice? No. Without it. Under advice, yeah, that last one you said because I went through the last one last before, and I was going, Yeah.","start_word":792,"end_word":888,"sentiment":"neutral","sentiment_score":0.16715632379055023},{"text":"well, that worked out really well.","start_word":889,"end_word":894,"sentiment":"positive","sentiment_score":0.4113771915435791},{"text":"So I did yes. Things may change with the amounts and everything else. I'm not sure of the tax ratio and all that, but Yeah. that went that was, you know, that that advice is still gonna be the same advice except the figure may be a little bit different then. That's Yeah.","start_word":895,"end_word":947,"sentiment":"neutral","sentiment_score":-0.004217304289340973},{"text":"about it because I'm going on my my super has been going quite well.","start_word":948,"end_word":961,"sentiment":"positive","sentiment_score":0.3624685108661651},{"text":"So I sort It of went, has yeah. No. been. Oops. Yes. So Yeah. Well, the other thing I do wanna talk to you about and the reason I'm offering to do it under personal advice, and I can try to do it as quickly as I possibly can, yep. With doing under personal advice, I also wanted to maybe look at swapping out one or two of your investments there Yes. as Because well. that is So the other one I was thinking about. I was talk I was when I've written notes for myself when I spoke to the last person, the Bennelong Investment Fund's not doing as well as what they what Yeah. It's you expected. So I was no. gonna It's talk to not. you about that. Yeah. So we've been along. They had been doing really well up into the point of November.","start_word":962,"end_word":1109,"sentiment":"neutral","sentiment_score":-0.04484193673911127},{"text":"And then in November, sort of mid November to December, they actually had a bit of a trading halt. One of their underlying investments, Corporate Traveler, had come out to the market and had been, unfortunately, dishonest to their investors and their reporting into the market.","start_word":1110,"end_word":1155,"sentiment":"negative","sentiment_score":-0.4732300341129303},{"text":"Yes. So then along had to go back and revalue that portion of their investment, which obviously meant that analysts went back and revalue Benelon as well. So Yes.","start_word":1156,"end_word":1184,"sentiment":"neutral","sentiment_score":-0.17473231256008148},{"text":"whilst your portfolio as a whole for the entire year is up by 9.38%, which is great to see, Benelon Yeah.","start_word":1185,"end_word":1205,"sentiment":"positive","sentiment_score":0.3938742876052856},{"text":"as a whole, as an investment, is actually pulling your portfolio back now. So we've actually had to after December as the business go back and our licensees reviewed having Benelon in their portfolios.","start_word":1206,"end_word":1239,"sentiment":"neutral","sentiment_score":-0.1420510709285736},{"text":"They've now said they wanna remove everybody out.","start_word":1240,"end_word":1247,"sentiment":"negative","sentiment_score":-0.36885523796081543},{"text":"So if you're comfortable with me doing Yes. so, I would like to provide the personal advice on helping you to withdraw those funds, but also then replace Benelon with something else and do it as a whole. Because whilst pulling the money out is tax free for yourself, there are obviously some CGT consequences. So I'd like to sort of be able to maybe move the money over, complete the withdrawal, and then possibly swap Benelon with something else for you and try to do it in the most tax effective manner. Would that be at all Yep.","start_word":1248,"end_word":1346,"sentiment":"neutral","sentiment_score":0.10958789620134564},{"text":"something you'd be Perfect.","start_word":1347,"end_word":1350,"sentiment":"positive","sentiment_score":0.3429403603076935},{"text":"open to me doing? Yep.","start_word":1351,"end_word":1355,"sentiment":"neutral","sentiment_score":0.22241273522377017},{"text":"Perfect.","start_word":1356,"end_word":1356,"sentiment":"positive","sentiment_score":0.34171754121780396},{"text":"Yes? Yep. Yep.","start_word":1357,"end_word":1359,"sentiment":"neutral","sentiment_score":0.16014114022254944},{"text":"Perfect. Beautiful.","start_word":1360,"end_word":1361,"sentiment":"positive","sentiment_score":0.6729317903518677},{"text":"Yep. I I would just generally expect it would take me about a week to complete the Yeah. research there. So the March, which is not next week, the week after, would I be okay to book you in then to kinda go to that advice document and do it all then? Would that be okay? Yep. Yep. That's fine. Yeah. That's Yep. March the It's from the second. March the second year. That's fine. Yeah. I have the same time on the Tuesday, the third. Would that be okay for you at 05:00, Yep. Queensland time? Yep. Yeah. Tuesday March 3. Yep. It's six Yeah. o'clock, seven time.","start_word":1362,"end_word":1470,"sentiment":"neutral","sentiment_score":0.07548239082098007},{"text":"Perfect.","start_word":1471,"end_word":1471,"sentiment":"positive","sentiment_score":0.4574741125106811},{"text":"So I'll do it all under the advice for you. So you can obviously Yep. see it all. I know you know the you know about the 10% withdrawal and all the implications Yep. of doing so. But so we can also because selling them along down and putting something else in the place, there are tax consequences to your funds. Yes. So if we are gonna move some money to the the TTR account and withdraw to your bank account and then we're replacing Van Along, we might be able to work out a way in which that sort of alleviates some of the tax consequences on your super. So it provides you with the money, but Yep.","start_word":1472,"end_word":1590,"sentiment":"neutral","sentiment_score":0.13677199184894562},{"text":"so your super fund is also benefiting Yep. from that switch as well.","start_word":1591,"end_word":1603,"sentiment":"positive","sentiment_score":0.34831658005714417},{"text":"Is that okay? Yep. That's Yeah. fine. Yeah. Yeah. Oh, Nothing.","start_word":1604,"end_word":1614,"sentiment":"neutral","sentiment_score":0.1379222273826599},{"text":"beaut beautiful.","start_word":1615,"end_word":1616,"sentiment":"positive","sentiment_score":0.46718984842300415},{"text":"I also just wanted to run through a really quick risk profile question there with Yep. you. I know you are in that balance profile. I wouldn't expect you to change it all, but just wanted to make sure that we are doing things correctly and in line with your risk tolerance as well. Mhmm. I have when you spoke to my colleague, Samantha, you may have mentioned that you were wanting to hopefully retire around age 67. Is that still sort of the goal depending on how things go? Mhmm. Yeah. Yeah. Just depending on Yeah. how things go. Yeah. Yep. Yep. So yeah. Yep.","start_word":1617,"end_word":1722,"sentiment":"neutral","sentiment_score":0.027467314030904817},{"text":"Beautiful. Excellent.","start_word":1723,"end_word":1724,"sentiment":"positive","sentiment_score":0.6056210994720459},{"text":"It sounds like It does take more give holidays. Absolutely. When we do look at your super, the next question here is asking about how how much risk you're happy to take in order to get the higher returns. So if you say looked at your super and you wanted to get the best possible returns, we need to tend generally take on a higher amount of risk. So do you feel comfortable taking on more risk for better returns? No. Would Because you see I don't yourself I in don't the middle trust or a bit lower? You I'm alright? I'm probably in the middle. Probably where I'm at at at the moment. I don't trust what's Yeah. happening out there in the market and the world with Yep. the way every country seems to be hating everybody Yeah. for some reason. There's a lot going on, isn't there? Yes. No one's really very stable at the moment. Yes. That's yeah. That's what No. concerns me. Yeah. No. That's okay. And the next one here is just asking, if you looked at your state for the next sort of six months and it had fallen by 20%, how do you think you might be feeling? Are you wanting to put more money in? It's probably a buying opportunity. Are you feeling a bit concerned, wanna hold and wait and call us, or are you more likely to submit your losses and pay maybe move into something safer? I'd probably ring you guys and get your advice because Yep. you're more of an expert. I can look at stuff and oh, yeah.","start_word":1725,"end_word":1996,"sentiment":"neutral","sentiment_score":-0.06884878873825073},{"text":"That doesn't make sense.","start_word":1997,"end_word":2000,"sentiment":"negative","sentiment_score":-0.3826987147331238},{"text":"Oh, yeah. That makes sense. But Yeah. at the end of the day, I'm not doing that every day of the week. So I'd rather Yeah. speak to somebody who's got the experience and the knowledge.","start_word":2001,"end_word":2036,"sentiment":"neutral","sentiment_score":-0.03955356404185295},{"text":"Perfect. Excellent. It's a good answer. I love that one.","start_word":2037,"end_word":2046,"sentiment":"positive","sentiment_score":0.764272928237915},{"text":"And if you did see your super falling value, do you think you'd be a bit more concerned, anxious, cautious, or optimistic? How do you think you'd be feeling sort of? I think I'd probably be a bit cautious, but I'd, Yeah. you know, I mean, my go to would be ringing you guys and saying, hey. What's going on? Can you explain it? What what do you think is the best advice for me? Blah blah blah. So Yep. that would relieve the anxiety. That would really relieve you know, the cautious is always gonna be there. I think that's with everybody when it comes to this because no one knows what can happen and what can't happen. Correct. So, Yeah. yeah, you you make turnaround and say, hey, Craig. We've come through a better Supery on your Asian company than Hub Yeah. '24, and this one's returning more. So do you know what I mean? It's Absolutely. sort of yeah. You Yeah. guys are you guys watch it all the time. I go and look at it probably once a month and look at it going, yeah. Well, it's it's got it's growing and that's all I look at Yeah. growing and it's, you know, that's all I need to really Yeah. worry about. Yep. You guys, Yeah. you guys get paid to do that harder stuff that I takes that away from me.","start_word":2047,"end_word":2282,"sentiment":"neutral","sentiment_score":-0.004380678292363882},{"text":"Perfect. I love that answer. Lovely. Look. Having a look at that the way you have scored there, you are still in that balanced sort of environment, which does see about 60% of your super invested in those growth assets, so things like Australian shares, international shares, listed property, and also some commodities, like a bit of gold and silver there.","start_word":2283,"end_word":2343,"sentiment":"positive","sentiment_score":0.4503003827861098},{"text":"Yeah. And then the other sort of 40% in defensive investments, so lower risk, more cash producing things like cash bonds and fixed interest sort of scenario.","start_word":2344,"end_word":2370,"sentiment":"neutral","sentiment_score":0.24060110747814176},{"text":"That feels fairly comfortable for yourself taking on a little bit less risk in the market, protecting your capital, but still having some of those growth investments there.","start_word":2371,"end_word":2398,"sentiment":"positive","sentiment_score":0.37963396310806274},{"text":"Yep. Yep. Yep. No. That Yep.","start_word":2399,"end_word":2404,"sentiment":"neutral","sentiment_score":0.1472744643688202},{"text":"sounds complete.","start_word":2405,"end_word":2406,"sentiment":"positive","sentiment_score":0.33797693252563477},{"text":"Yep.","start_word":2407,"end_word":2407,"sentiment":"neutral","sentiment_score":0.2530171871185303},{"text":"Yeah. Beautiful.","start_word":2408,"end_word":2409,"sentiment":"positive","sentiment_score":0.5305020213127136},{"text":"The other thing I wanted to talk to you about is and it's a really good thing you made mention that you don't look at it a great deal, is that is since sort of November, December, it's been in the works for a lot longer than that. But we were able to sort of come up with a new sort of investment product called an estimate. It's a separately managed account. So at the moment, when you do look at your sofa, when you log in to Hub 24, that you can see all the underlying investments that you can see where the cash is essentially sitting. Yes. If you were if we were to look at moving you in this SMA, you actually wouldn't see all those underlying investments. All you would technically see is your balance, and you would see it allocated into the SMAs that we recommend, the blend of whichever SMAs we put you in. Yes. The benefit of having these sorts of products is that if, say, something happened like what's happened with Benelon, and the main thing reason we haven't moved Benelon already is that we technically can't. Because when Yes. we onboarded you, we gave you the list of investments and how we were gonna invest the money. We have to be able to talk and do reviews with you first before we happen to move those investments out. But the benefit if you wanted to look at this SMA product is that in there, as I mentioned, you only see the SMAs that you're in. But within those SMAs, we actually have anywhere between 20 to 50 Yes. different investment options. And the Yep. benefit to these sort of separately managed accounts is that in terms of change where the market's changed where investors might be underperforming, it allows us to be able to move those investments out without having to call and so you know what's happening. You do get change reports, and we can provide you with updates whenever we do make those changes, but it does allow us a lot more control around making changes to the portfolios as we need to Yes. without having to call and go, hey. This looks like it might be going bad. We wanna move it out. And often that happens after the fact. So, you know, trying to get 1,500 people in to kinda go through the changes in the market and get approvals to do these advice documents can take a bit of time, so it can be Yeah. a little bit after the the change needs to occur. Look, I'm I'm Would happy you for you you guys to Yeah. do that for me because Yep. I know my review is this is my 2025 review Yeah. Correct. because and Yeah. you're behind Yeah. on that.","start_word":2410,"end_word":2886,"sentiment":"neutral","sentiment_score":0.12201880316876763},{"text":"So you're behind how much time has been waste not only say wasted.","start_word":2887,"end_word":2899,"sentiment":"negative","sentiment_score":-0.40656742453575134},{"text":"I know I understand because all the changes Yeah.","start_word":2900,"end_word":2908,"sentiment":"neutral","sentiment_score":-0.19071219861507416},{"text":"that this could if it was when it was if it was done when it was supposed to be done, we would have probably had a lot less been along.","start_word":2909,"end_word":2938,"sentiment":"negative","sentiment_score":-0.41953033208847046},{"text":"Yeah. Yeah. Absolutely. Yes. That's Well, you know the what I good mean? news, Yeah. yeah, the good news is that by not moving out of Benelong now, it has had a little bit of a rebalance sorry. A rebalance back. So Yeah. you'd actually the market has called back by that sort of three to 5% from where it was down originally, but you are still seeing that down pretty significantly from where it should have been. Yes.","start_word":2939,"end_word":3017,"sentiment":"neutral","sentiment_score":-0.1216382458806038},{"text":"But, yeah, the one of the good things about this estimated product is that we can make those changes for you.","start_word":3018,"end_word":3038,"sentiment":"positive","sentiment_score":0.6196727156639099},{"text":"Yes. And last year, we did kinda get behind, and I do apologize. It was not any not anything anyone wanted. It was kind of a combination of a lot of different issues throughout the year with the the weather, the siphon that came through, then some changes within the business model as well. Yes. Yes. But, no, I absolutely do agree. And having that estimate product, if you're comfortable with looking at that, we could actually be making changes in there on a regular basis depending on what the market needs to happen. We'll still do reviews with you and review your risk level, make sure you're investing correctly. But Yes. it does mean we can move those sorts of investments out for you without having to call you Yeah. and go, hey. This looks like it might be a problem. Can we move it out? And it does give us a bit more control around those aspects. And the estimate has been built by our investment committee, but also utilizing BlackRock. And BlackRock are one of Australia's largest investment firms.","start_word":3039,"end_word":3220,"sentiment":"neutral","sentiment_score":0.08619879186153412},{"text":"So we get to use their analysts and and their investment managers to kinda help build these sorts of investment portfolios, which is really cool.","start_word":3221,"end_word":3245,"sentiment":"positive","sentiment_score":0.34472158551216125},{"text":"We can utilize some of the coolest brains in the in Yeah. the industry. Yep. So Yeah. Because if I you're think that comfortable, I think that's I a good would idea. do Yeah. that. I think that's Yeah.","start_word":3246,"end_word":3284,"sentiment":"neutral","sentiment_score":0.23474806547164917},{"text":"a good idea. Yeah. More than happy for that to happen. Yeah. That's cool.","start_word":3285,"end_word":3298,"sentiment":"positive","sentiment_score":0.6088917255401611},{"text":"Yep. Yep. That's not a drama at all.","start_word":3299,"end_word":3306,"sentiment":"neutral","sentiment_score":0.23694974184036255},{"text":"So so Perfect. Lovely.","start_word":3307,"end_word":3310,"sentiment":"positive","sentiment_score":0.6424568891525269},{"text":"Well, I've booked you back in there for the third yeah. sorry. The choose the March 3 at 5PM. In Yep. the meantime, I'll go back and do a little bit of research for you on the estimate.","start_word":3311,"end_word":3348,"sentiment":"neutral","sentiment_score":0.10393403470516203},{"text":"We do have a plan that shows you withdrawing those funds out of that TTR, then we'll roll it all back into the one account so we're not Yep.","start_word":3349,"end_word":3377,"sentiment":"positive","sentiment_score":0.3408362567424774},{"text":"having to pay too much in the way of fees there, Yes.","start_word":3378,"end_word":3389,"sentiment":"neutral","sentiment_score":0.10391662269830704},{"text":"and also looking at those investment switches and how that can work for you.","start_word":3390,"end_word":3403,"sentiment":"positive","sentiment_score":0.4850315451622009},{"text":"Yep. Okay? Now the other thing that was mentioned to me Yeah. was something about my tax file number. They said Right. it's not on record, and they said just to give you authorization to and I thought I gave my tax phone number out. You absolutely would have when we first onboarded you, but Yeah. let me just double check because we abs we do need it to be able to open the super account. Because I can't understand how the other super account wasn't was opened if you have a tax phone number. That's what I Yes. said to the lady. So it didn't make it sort of Does it she make she sense? got a yeah. Yeah. It didn't make Yeah. sense. But That's okay. Let's have a bit of a look here for you. Okay. So it's not showing there, but I can go back into the system and go all the way back to double check what we had, which Yep. is really easy just to scroll back for you. Let's have a look. I do know with the tax file numbers, with the annual reviews at the moment, we are updating the consent for that, and they're doing a tax file opt in form. So that might Yeah. be what she was talking about. Oh, I This can. is important to update the consent for holding your tax file number, but I just wanna make sure we do have it on file Yeah. for you as well. The pizza Yeah. comes with that. It's on your super, but you don't hold it.","start_word":3404,"end_word":3671,"sentiment":"neutral","sentiment_score":0.0053188614547252655},{"text":"And I'm going, oh, that doesn't make sense because you opened my super.","start_word":3672,"end_word":3684,"sentiment":"negative","sentiment_score":-0.37099042534828186},{"text":"Yeah. No. The way that essentially works is that we do when we onboard you originally, we do obtain the information for you, but we don't keep a record of it sitting in, like, a fact finder Yeah. or anything. Uh-huh. Yeah. Anyone who when we provide it to your super fund, they have it. They hold it, but they mark it out. So it's actually redacted from any documents. Okay. And we have to do the same thing. We have to redact it to make sure Yes. that we're not holding it anywhere where it could get you know, could be misused in any way, shape, or form because it is very sensitive information for you. Yeah. But we do I'll just also updating the consent form. So we have a what's called a tax file opt in form, which is always sent out with your annual review pack just to gain your updated consent Yep. for holding that for you. I can see the onboarding email here. Let's have a look now. There it is. We do have a record of it. Yeah. Yep. Oh, Yep.","start_word":3685,"end_word":3872,"sentiment":"neutral","sentiment_score":0.003964636881062959},{"text":"excellent. Perfect.","start_word":3873,"end_word":3874,"sentiment":"positive","sentiment_score":0.5770530104637146},{"text":"So I'll get the the team to just make sure they've got that the opt in form completed. If it's not, I'll get it sent out to you when we go through the advice documents just so we're updating all those documents in there. But we definitely do have a copy of your tax phone number here Beautiful.","start_word":3875,"end_word":3932,"sentiment":"neutral","sentiment_score":0.1793266236782074},{"text":"for our records, all nicely redacted and protected for you.","start_word":3933,"end_word":3942,"sentiment":"positive","sentiment_score":0.37698009610176086},{"text":"Okay?","start_word":3943,"end_word":3943,"sentiment":"neutral","sentiment_score":0.20887160301208496},{"text":"Excellent. Beautiful. That's perfect. Excellent. All good, Craig.","start_word":3944,"end_word":3951,"sentiment":"positive","sentiment_score":0.5998142957687378},{"text":"Okay. Is it the other thing I just wanna double check is because we are looking at withdrawing some money and making changes to the portfolio, one of the things we did kinda touch base on last time we caught up was the fact maybe looking at salary sacrifice down the track. Is that something you're wanting to look at down the track a bit more Yeah. or I'm you're not really I'm yeah. oh, it's sort of neat. I'm gonna look at it because at the moment, like, we've changed companies. Monash, I'll change companies to this new salary sacrifice company called Yep. Smart Salary, Okay.","start_word":3952,"end_word":4058,"sentiment":"neutral","sentiment_score":0.0047127323346995865},{"text":"and I don't like it. Okay. So every time I try to log in to the app, it it's crashing.","start_word":4059,"end_word":4078,"sentiment":"negative","sentiment_score":-0.5985097289085388},{"text":"And if Right.","start_word":4079,"end_word":4081,"sentiment":"neutral","sentiment_score":-0.2671240270137787},{"text":"I need to put a claim in to get anything, I can't do it on the app. I've gotta go on the computer and then log in and scan. And it's just it's just become it's just become a nightmare, and everyone's complaining about it. And they seem to be charging us more fees than what Maxia charged us.","start_word":4082,"end_word":4140,"sentiment":"negative","sentiment_score":-0.4984546303749085},{"text":"But Yeah. yeah. Wow. So at the moment, I am still looking at it, but I'm sort of Okay.","start_word":4141,"end_word":4159,"sentiment":"neutral","sentiment_score":-0.1670788675546646},{"text":"I don't have the trust in them getting it right either.","start_word":4160,"end_word":4170,"sentiment":"negative","sentiment_score":-0.5691803693771362},{"text":"Okay. That's So you're not wanting not wanting to consider it as part of this part of the advice. We'll maybe No. hold off for a bit longer until Yeah. you're Yep. comfortable. That'll Yep. be good. Yep. Yeah. I just thought of yeah. I've got they've they've been with us for about eight or nine months now, and it's like, there's nothing but drama. Everyone's having trouble with Oh, them. So we're all going, yeah.","start_word":4171,"end_word":4246,"sentiment":"neutral","sentiment_score":-0.14165522158145905},{"text":"why have we got this crap?","start_word":4247,"end_word":4252,"sentiment":"negative","sentiment_score":-0.5254290699958801},{"text":"So Absolutely. yeah. So Yeah. yeah. So I'd rather be safe. I know I'm Yep. a bit of a I sound safe too safe sometimes, but I just That's rather okay. I'd be able to be comfortable and that's what I'd rather Yeah. be. Yep. So yeah. Yep. No. Yep. That's okay.","start_word":4253,"end_word":4304,"sentiment":"neutral","sentiment_score":0.0992029532790184},{"text":"That's not a problem at all.","start_word":4305,"end_word":4310,"sentiment":"positive","sentiment_score":0.3358117640018463},{"text":"Well, what I'll do is I'll go back and do some research there for Yes. you. I'll factor in the withdrawal out of that ten percent. I'll also look at changing you over to the estimated product. I'll Yes. also look at other investments to make sure that if it's gonna be too tax ineffective for you that we can at least swap out that then along into something else, Yes. and I'll show you what I recommend. Yep. And then I'll show you the effect up into the age of 67 once we complete that as well. Is that Yep. okay? Does Yep.","start_word":4311,"end_word":4414,"sentiment":"neutral","sentiment_score":0.09011992812156676},{"text":"that Beautiful.","start_word":4415,"end_word":4416,"sentiment":"positive","sentiment_score":0.41737279295921326},{"text":"sound right? Yep. Yep.","start_word":4417,"end_word":4420,"sentiment":"neutral","sentiment_score":0.21163995563983917},{"text":"Perfect. Perfect. Excellent. Excellent.","start_word":4421,"end_word":4424,"sentiment":"positive","sentiment_score":0.7035498023033142},{"text":"Is there anything else that you wanted me to factor into that at all? Or No. That's it, Dana. That's no.","start_word":4425,"end_word":4445,"sentiment":"neutral","sentiment_score":0.08576503396034241},{"text":"fantastic. Oh, Yep. Perfect. beautiful. Well, I'll get cracking on that for you there, Craig.","start_word":4446,"end_word":4460,"sentiment":"positive","sentiment_score":0.5572206974029541},{"text":"I've booked you back in for two weeks, and we'll Yep.","start_word":4461,"end_word":4471,"sentiment":"neutral","sentiment_score":0.3173295557498932},{"text":"go through it together, and then you can let me know what you wanna do.","start_word":4472,"end_word":4486,"sentiment":"positive","sentiment_score":0.3510769009590149},{"text":"Okay? No worries at all.","start_word":4487,"end_word":4491,"sentiment":"neutral","sentiment_score":0.2419120967388153},{"text":"Okay. Thanks, Dana. No worries. You Have have a good a lovely night.","start_word":4492,"end_word":4504,"sentiment":"positive","sentiment_score":0.6580444574356079},{"text":"day. Talk to You you too. soon. Bye.","start_word":4505,"end_word":4512,"sentiment":"neutral","sentiment_score":0.2506365478038788},{"text":"Thanks.","start_word":4513,"end_word":4513,"sentiment":"positive","sentiment_score":0.46527037024497986},{"text":"Bye. Bye.","start_word":4514,"end_word":4515,"sentiment":"neutral","sentiment_score":0.24598686397075653}],"average":{"sentiment":"neutral","sentiment_score":0.055334067198585135}}}}