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Is now still a good time there for you? Fantastic. I'm just sending an email with the document attached. Are you able to open that one and review the document with me at all? If you can't, that's okay. That's okay. If you can't, I can always run through it. This is often easier because they're talking that you're super in reviewing the investment. It can be a lot for me to sort of talk at you. So if you're able to, it is easier for you. That's all. That's okay. You're absolutely fine. And so just while that is going ahead, I would just let you know we do record our calls for quality and training purposes. Are you okay for me to proceed with that? Fantastic. Excellent. I'll do a quick security check there with you as well. I just need to confirm, sorry, your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. And how's everything going at the moment? I understand you've, having some surgery on your knee or you're having some treatment on your knee. How's that going? Okay. All good. And I hope they're hoping or expecting full recovery after that? Or but yeah. Okay. Well, hopefully, it'll go as well. Good to see. I know one of the things we were trying to so that was the insurance side of things. We just have to sort of be held off for the time being. Once you've gone through that, you've got your appointments all sorted, the doctors are gone yet. No problem. All good. You're you know, no more treatment required. Let me know. We can come back, review the insurance. Let's look at what you're after, what you need, what your goals are, and update that for you. Okay? Excellent. All good. Hopefully, you have no more pain. Sounds like you're in a bit of pain with that. That would be awful. Yeah. Yeah. Yeah. Of course. And that would be that's just horrible. I mean, your knees they do a lot when you think about it. Yeah. No. All good. How are you going with that? No. You're fine. You're honestly fine. Do not worry. I was trying to send documents out earlier, and the poor person I was talking to is like, not yet. I'm like, no. It's probably only either. Sorry. It's coming. It's all good. It's a lot of technology when it wants to work. That's okay. If you like, what I'll do is I can start running through things. I'll hold off the majority of it until you're ready to go. But I can start running through just updating your goals and things like that for you just to kinda give you an overview of where I was heading with this advice document. Okay? Excellent. So what we were sort of just asking last time was reassessing your sleep and the investments. We sort of have noticed there have been some changes in the market recently, and we wanted to go forward and just make some changes to your investments. You are getting closer to those retirement years. Your goal for super was that you were hoping to retire around about the age of of 60 and with a retirement income of about $1,000 per week to support your desired lifestyle. Does that still sound fairly appropriate for you? Yep. All good. We've also had a look at the, you know, the additional salary sacrifice and things like that. Now when I had a look, last year, you were salary sacrificing into super. That amount was kind of up and down a little bit, and I'm assuming it was depending on what you were earning or your income there. It looks like coming back a little bit this year, those additional contributions haven't really been going in. Have you stopped that for this year? Or yep. Okay. No. That's okay. Just because one of the things we talked about was increasing the salary sacrifice and looking at trying to build on super a lot more. And back then, you had mentioned to me that you were comfortable increasing that by another $100 and doing about $200 on a weekly basis to sell that. So, realistically, as part of this, because you are nine years out from retirement, essentially, you're making your agent state currently, you are I am recommending that you do increase and do that salary sacrifice and make it $200 per week. Just because starting now, if you can afford it look. If you kinda look at things and say, look. I really can't do it at the moment, that's okay and understandable. You're allowed to say, I'm not taking that part of the advice. It's completely fine. But, realistically, trying to start that now rather than holding off a couple of years down the track actually does work out better for you. So compounding over the next, you know, nine, ten years works out much greater as an effect for you rather than starting five or six years later and only compounding it for about five to four years towards the retirement there. So if you are able to start doing it again, absolutely, I'm recommending that you definitely do. If you only can start with something smaller, that's absolutely fine often because the cost of living has increased phenomenally. And you've got a lot going on at the moment as well. But if, yeah, you're only comfortable with, you know, $50 a week or a $100 a week, that's absolutely fine. But as part of the advice, I did go back, review things, look at where we're sort of tracking, and did recommend that you do increase the contributions a bit in the super. Okay. Excellent. Now there can be some definite changes there. But as I said, on the very last page of this document, once you do get some time, sorry to go back and read it through. And we've also got, like, a square box that says multiline on it. If there's any part of the advice you're not comfortable taking or don't want to take on board, that's absolutely fine. Just write in there that you you know, if you don't wanna take the whole $200 of sales tax, so, you know, only sales tax only comfortable sales tax this month per week or fortnight or I don't wish to proceed with the salary sacrifice. If you just note that in there, we'll note that that's a change to advise that you don't wish to proceed with, and then we'll just make sure we skip that part of the strategy when we're helping you implement it. Okay? Excellent. All good. How's your computer going? Yep. Double check your junk mail there as well. Nothing? No. It's definitely gone through. Sorry about that. Let me just double check. Yep. That's the one I have here. It is raining up here, so I don't know if that's having effect. It's not supposed to be raining up here. They were forecast rain. Let's have a look. That's the detail. Yep. I've got your email address correct. So I might just press resend and see if it comes through again. Sometimes the second link works better than the third link. Sorry about that. Perfect. The dreaded clear out of all the emails that bulk up. Are you good? Do you look at your emails every day and try to read what's there, or do you have a whole bunch of unread ones like I might? No. You're good. I'm really good with my work emails, but my personal ones, they're a shocker. It's horrible. Perfect. So when you click, you'll see a top button that says sign or a click to sign. If you just click on that box, it lets you go forward so you can see the document. And on the front page, it should say statement of advice with your name as of the 08/06/2026. Yeah. You're right. That's okay. No. Yeah. Nothing else. That's really bizarre. It's I definitely sent it. The link's definitely come through. It's just not moving forward. I might it might just need some time. It what I can do is I'll go through the recommendations. If it doesn't open up properly in the next maybe day, let me know by Monday. I'm not in the office tomorrow, but I'll double check on Monday, and I'll get my colleague, Samantha, just to maybe touch base or send you an email or even just a text to see if it was able to open. If it's not, we'll try and resend it through another way for you because we also use Adobe Sign. It's just that Odesa sign is generally easier to use. So if it doesn't open, I can easily organize it to go through another way there for you. Okay? I'll try to not I'll try to not confuse this for you and make it as easy as possible. We've already gone through the salary sacrifice recommendations. So you're welcome to sort of have a look at your expenditure and work out whether it's worthwhile or whether you're able to do that or not. But the other thing I did look at was making sure your superannuation is working harder for you. So you were in one of the older portfolios. We have over recent months removed the ban along Australian equities out of that because it was under performing as an investment, which has been good so far for you. But I wanted to sort of make some other changes as well. So, essentially, I want to review the super fund that you're in as well as the investments. I am recommending you do stay with Netwealth. I did look at other funds out there. And while there are other platforms that might be cheaper, the biggest thing to think about when we're changing platforms is the taxation side of things. So your super fund, just like you, every year, it does a tax return. It pays income and capital gains tax. And if we were to sell down the total portfolio all the way to cash the movie to another platform, there's a much higher capital gains consequence for doing so. So we wanted to limit that where possible and just make sure that, you know, we are able to keep things working harder for you and have as little a tax impact on your funds. In order to settle down to move to another another platform, the total capital gains impact would have been about $5,336. So it doesn't sound like much, but when when that comes off your super balance, it can take a bit longer for that to recover and to for it to make that money back. So I'm recommending you stay with Netwealth for the time being. We'll keep reviewing that down the track. Another way we can, when you kinda hit those retirement years and you actually start working, there are ways that I can look to maybe change the platform and alter things without any capital gains consequences for you. So when you get to those times, we'll definitely have a look at what else we can do, and I can provide additional advice there to help maybe change the platform, reduce admin fees, and things like that there for you without those tax consequences. Okay? So what we're looking at within the portfolio there is I did wanna do a bit of a rebalance and did switch some of the investments around. So, essentially, at the moment, we replaced the Benelon Australian Equities and put the beta shares a 200 in there for you. The beta shares a 200 investment is a more passive investment. It tracks the top 200 companies on the ASX. Your older investment, the Benelon Australian Equities, that was an actively managed fund. So the investment manager was trying to outperform against the market. Couldn't always do that. Active managers quite often don't beat the market, and this one has underperformed pretty heavily, has been a bit up and down since early twenty twenty with our COVID. So we decided this year it was worth getting rid of it. So we removed it out of everyone's portfolio originally. You should have received the record of advice probably back in March letting you know that we were making that change for you. Yeah. Oh, good. So we did that switch, and it has been working much better for you. Bental Long Australian Equities also only held generally between 15 to 25 different investments within that that fund there. The a 200 actually is tracking 200 of the top Australian companies. So it's actually giving you more diversification. It's a cheaper investment, and it's a passive investment, so it's lower risk as well. So we wanna keep that in there. At the moment, you've got about 37.62. You're a bit overexposed in Australian equity, so I wanna bring your exposure down a little bit, that's 25% maximum. So we're gonna sell a little bit of the a 200 and just bring you back down a little bit to 25% total there. Okay? You've also got the cybersecurity, a global cybersecurity, which is giving you access to cybersecurity across the entire globe. Essentially, you've got about 7.33% there. At the moment, we only wanna hold about 6%. So we're just gonna rebalance your portfolio back a little bit, sell some of that, and bring you back to 6%. Physical gold is done really, really well. At the moment, you've got about 3% physical gold in your portfolio. We wanna increase that exposure till about 7%, so we're gonna buy some more of that investment for you. You've also got some European ETFs, so access to the all 16 European countries there. We wanna hold about 9%. Your portfolio is showing currently only about 6.68%. So we're gonna reweight and buy some more of that European exposure. You've also got or did have the MISCE European exposure. We don't wanna double up and have two of them, and the MISCE is actually a little bit more expensive as an investment. So we're gonna sell that one completely down to zero and just have it in the iShares Europe ETF to make it cost effective, but still give you access and exposure to the European companies and and markets. We've also currently got the MISCI Japanese ETF. It's giving you exposure to the Japan market. It's still a great place to be. The MISCI can be a little bit more expensive than other ones, but this one has been performing really nicely, so I wanted to keep that for you just to limit the amount of tax your super fund has to pay by me swapping around investments for you. You have a little over 5% exposure at the moment. We only wanna hold 5%, so we're selling just a small percent of that off. It's about 0.4% to be sold off. It's equates about a $160 to sell down that and rebalance you there. You've also got the S and P 500. This is tracking the top 500 companies across the American asset as of the American market. You hold about 30% there at the moment. 30.02%. We wanna hold about 35% of this investment, so we need to buy a little bit to rebalance you up a little bit there. And then we've also got an inclusion of the All World Vanguard ex US investment. This is tracking essentially the entire globe. One of the biggest things we wanna look at and what I wanted to look at with you, Steve, was making sure that we can reduce as much risk as possible. We can't reduce a 100% of all the risks that have been invested, but having diversification helps to reduce market risk. And being diversified across the globe, it gives you access to exposure to all the markets, all the established markets, but also any up and coming markets as well. So the Vanguard All World ex US investment, which we're gonna include about 8% in your portfolio, helps to diversify you across the entire globe there. It is ex US. It doesn't hold any of The US market, and that's because we have 35% iShares f and c 500. So we don't wanna overexpose you. We think 35% is enough for The US to hold anymore. We're just doubling up on things. And then you're yeah. And then you're in that high growth environment. So, generally, that feeds about 90% in those growth investments and then around about five to 10% in low risk defensive investments like bonds and fixed interest. We still wanna hold some bonds. We're holding core composite bonds. And at the moment, you don't really have any in there, so we're gonna add about 5% in there for you to give you some more defensive investments, and that's just making sure you do have some low risk cash producing bonds are really great. Their income, they pay out regular income payments that get paid into your cash account and reinvested back into your portfolio as well for compounding. So we're gonna include about 5% of that in your portfolio. All in all, this portfolio kind of rebalances things a little bit, so it's really important to make sure we do do rebalances pretty you know, not as much of every year, but as often as needed. Essentially, you're rebalancing back to where you should be or what a certain equity should be at or is expected to be at. Over time, some investments grow faster or slower than others, which can overall change the risk of your portfolio. So rebalancing means selling a little of something or buying a little bit of something else to kind of bring you back to a certain weighting and to keep your risk level at a certain rate as well. So that's what we're sort of wanting to do with this portfolio, but I I included a few additional investments there to make sure we're giving you as much diversification as possible. I think one of the things moving forward over the next nine to ten years as you get close to accessing so far is making sure we can diversify and reduce as much risk as possible. You're about nine years out at the moment. I would want to, in the next couple of years as well, start to reduce you back out of that high growth environment just because at the moment, you're okay. The high growth environment suits someone who's about eight years away from accessing their money. When you get closer and closer to especially with the kind of volatility we have seen this year, you do risk then if you stay in that high growth environment, risking accessing your funds at a downtime or seeing a large dip that could affect you trying to access your money, meaning you might cement those losses a bit more. So as we get closer, I definitely wanna maybe talk about reducing your risk level. But for the next twelve months, we're okay to sort of stay where we are and just look at trying to obtain as money as much in the way of gains as possible moving forward. Does that make sense? And do you have any questions? That feels good? Fantastic. All good. With your cash account at the moment, you've got about 4.80% there. So it's equates to about $8,000. In your super fund, you don't wanna hold much in the way of cash. You wanna have as much money as possible invested in the portfolio. So I'm gonna take about $6,800 there and invest that into the above portfolio for you. We only wanna hold about 1%, essentially. Keeping money in your cash account doesn't get you returns. It actually costs you money to have it that you don't get much in the way of the cash rate. So I wanna make sure we invest as much of that as possible and just hold the minimum cash requirement. Okay? Excellent. Now the kind of the main reason we're sort of looking at doing is is when I went back and did the research, when you are looking at the document, page 21 has your fee comparison table. So at the moment, your super balance is about 180,317. Inside your super fund, you do have administration fees, investment fees. Our ongoing service fee for us looking after things, which is 1.65 per annum, deducted in smaller monthly increments there for you, your contributions going in, and you've also got your insurance premiums coming out of this Visa Fund as well. When we looked at the the older high growth portfolio and the way you were invested, invested over the past five years, those investments have averaged about 11.56%, which is great. It's a good return to average over that time frame. But when we kind of look at the history of the newer investment portfolio, which is giving you more diversification, it's actually averaged to that 12.22%. So it has achieved a much higher rate of return over the past five years on an average, which means if it can get that same sort of return moving forward each year over the next five to nine years, you could end up with about 340,000 or over the age of 60 in about nine years' time, around about 530,000 there. So it does depend upon how much it reacts, and I always suggest take the projections as a grain of salt because it's basically saying this is how the portfolio has returned. If you're able to achieve the same level of return moving forward, this is where you can see yourself. But there's also no guarantees, and I don't want you to be in a high growth portfolio right up until the day you retire. So we will start to pull things back a little bit, which can affect the projected outcome. But, honestly, as long as we can get, you know, a good 10 to 12% return, even in a balanced portfolio when we reduce risk back a little bit, even in those with the lower risk portfolios, you can still achieve a 10 or 12 or 15% return on a good year as well. So definitely not saying you can't get to that point. I'm just saying just be careful. It's not a guaranteed return. It's just projected based on the current circumstances, and markets do change. I think this year taught us all that. Anyone who wasn't aware could see markets going up and down, and I had a lot of very difficult conversations with people this year about how they were feeling in those high growth environment. So it's just something I like to make sure I'm very open and honest with. Yeah. Excellent. One of the things I kinda mentioned before with the changes I wanna make to your portfolio is that it does save you in fees. So it is a lower fee. It's actually a cheaper portfolio. When we look at your investment fees, your older portfolio, you're paying about $444 in investment fees there. This newer portfolio reduced those fees to about $327. So you're actually saving about a $117 in investment fees there. Doesn't sound like a lot, but when you contact that over the next sort of five to ten years and have that money invested, if it's earning a 12% return, it can essentially grow to a much greater return for you. So any kind of fee savings, I mean, that's more money invested for you long term. Yeah. Yeah. The other thing I looked at was the capital gains consequences. As I kinda mentioned before, a full sell down meant that you would have a CGT bill inside super, not for you personally, but the CGT accounted for inside super was a bit over $5 there. By making these changes that I've gone through now, the CGT your super fund would have to account for is $686. So I was able to minimize that CGT massively, noting that your fund will only have to account for $686 in CGT to make those changes and rebalance your portfolio out for you as well. Okay. Do you have any questions at the moment? Did you wanna ask me anything at all? Is it no? No. That's okay. You're all good. Obviously, the projection table does include your salary sacrifice as well. So I did wanna reiterate that I am recommending that we do sell that just to try and get as much as we can in the super now and compound forward, but it just comes down to what you can afford as well, and I understand that. The cost of living has gone exorbitantly high. So it's all understandable, and you just do what you're comfortable with. If you decide you're not comfortable sales that, that's okay. I can work with that. We can kinda look at it again. If you're comfortable starting smaller, I've I've started working with a lot of people trying to get them to to do 10, so it's 20 or $50 on a weekly basis and just start smaller and build it up over time as well just so they can kinda get used to the difference in their income. And that's also you know, can make a bit of a difference for you as well. But I will work with whatever your comfort level is. It could definitely have changed since our last conversation. Okay. All good. There's no new recommendation for the insurance side of things now. We are just retaining your current insurance level, your current premium paid out of through today. You've got your licensed CBD policy with me. The current sum insured for your life is 623,432. You've got the same level of TDD then. I think one of the things we were looking at down the track was reassessing the life and TDD limits to make sure it was meting your goal. But we were also looking at trying to get you some income protection there, which is hard to be put on hold for the moment. But when there's things settled down a bit for you, let me know. We can come back and definitely have that conversation and look at what kind of income protection you might be able to get, what that might look for you as well, the cost and everything for you as well. Okay? Excellent. When you do get to look at the documents there, if you just sort of take some time to read it over, I have outlined all the recommendations, the advantages, disadvantages, the risks involved. I've gone through some of those with you already, but there's definitely more outlined there, and then also any alternatives that I have considered as part of the advice. We do also attach the appendices for you, which outlines a lot of the research completed. And depending on how much you like to read and how much downtime you're gonna have after your surgery, I've also got the NEOs and the the PDF documents for your super fund for Netwealth as well. So you're welcome to run your eyes over those, have a read of the documents. Not everyone's that keen on reading them, but you've got some time on your end. And then we've also and then you've also got your the Oakview Financial Services guide there for you as well. And because it is time to renew your ongoing service agreement as well, I've attached a new agreement there for the next twelve months just to reconfirm. So if you're happy to proceed with everything, I'll get you to sign and return the documents, sign the ongoing service agreement back, and we can go forward, do the investment switch for you. And and as I kinda said, on the very last page, if you decide you wanna alter the sales back or not go ahead with it or make any changes, just make a little note in that box there. If you get stuck and forget, you can just let me know, and I can always make a little note in your file with what you wanna change or alter for you as well. Okay. Easy. That is that is basically all I wanted to go through with you just to kind of update things. I just wanna make sure your super is working harder for you, and if that's what's putting in super every now and then do need to be updated. So it's well worth making sure that we're keeping you on track and making sure your suit is working as hard as it possibly can. You've worked hard for your money, so it should be doing the exact same thing for you at the end of the day. Do you do you have any questions for me at the moment? Is there anything that's kinda come to mind thus far? No. Okay. Oh, thank you. Appreciate that. Perfect. Thank you so much. I really enjoy this. I love the educational part of my job as well as looking and updating the advice. I mean, you just I want you to have the best time possible. And here at IFU, I do a lot of that retirement advice looking at, you know, tracking over time of what that looks like in in retirement, how do we draw down, do we get counseling, and things like that. So I definitely wanna make sure I look after you moving forward that you get the best possible retirement because you will have worked a whole lifetime by the time you get there, and then you've got a whole lifetime in retirement as well. So it's gotta you know, it'll be the best gig of your life. It should be at least anyway. All good. Thank you. Oh, fantastic. Well, it's good to know that you are happy with everything. Essentially, we do work under the best interest duty, which is part of the corporations act. So my job is to look after you. If at any point in time, under best interest duty and under the corporations act, if your best interest comes into conflict of that with OP Financial, I have to put your needs above my employer. So I would do everything I can to look after you and make sure that, you know, your goals are met and that we're doing the right thing. So if you're ever needing any anything additional, any questions or concerns, flag it with me, more than happy to do so. I just wanted to sort of before I let you go, just to reconfirm, do you want me to do a bit of a catch up with you in maybe three or six months, or when would you like the next catch up to be? Yep. Perfect. The surgery is meant to be in September. Yep. That's okay. Would you like me to maybe get someone to I can get one of my admin team members to give you a call maybe mid October just to see if it's something you wanna review then and see how things are going and maybe book it a time for us to catch up with regard to the insurances at that point. Does that sound okay? Yep. Beautiful. And then I'll also put a six month catch up in there to look at the paper after the changes are made, which brings us up to about February twenty twenty seventh. That's incredible. It is fantastic. I thank you so much for your time today, Chris. I will let you go, and I hope you have a lovely evening. I'll get Samantha to follow-up in the next day or two just to see if that document's come through and if you're able to read it. If you still can't see it, we'll just try to resend it via another electronic signature platform for you. Okay? All good. Thank you so much for your time. I appreciate you taking my call. I hope you have a good evening, and good luck with the surgery. I hope it's a safe recovery. Yeah. Not a problem at all. You have a lovely evening. Thank you so much. Thanks. See you later. 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Christopher. It's Dana from Oakview Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in to go through your updated statement of advice. Is now still a good time there for you? Fantastic. I'm just sending an email with the document attached. Are you able to open that one and review the document with me at all?\n\nIf you can't, that's okay. That's okay. If you can't, I can always run through it. This is often easier because they're talking that you're super in reviewing the investment. It can be a lot for me to sort of talk at you.\n\nSo if you're able to, it is easier for you. That's all. That's okay. You're absolutely fine. And so just while that is going ahead, I would just let you know we do record our calls for quality and training purposes.\n\nAre you okay for me to proceed with that? Fantastic. Excellent. I'll do a quick security check there with you as well. I just need to confirm, sorry, your full name, your date of birth, and address I should have on file.\n\nYep. Yep. Beautiful. Thank you so much for that. And how's everything going at the moment?\n\nI understand you've, having some surgery on your knee or you're having some treatment on your knee. How's that going? Okay. All good. And I hope they're hoping or expecting full recovery after that?\n\nOr but yeah. Okay. Well, hopefully, it'll go as well. Good to see. I know one of the things we were trying to so that was the insurance side of things.\n\nWe just have to sort of be held off for the time being. Once you've gone through that, you've got your appointments all sorted, the doctors are gone yet. No problem. All good. You're you know, no more treatment required.\n\nLet me know. We can come back, review the insurance. Let's look at what you're after, what you need, what your goals are, and update that for you. Okay? Excellent.\n\nAll good. Hopefully, you have no more pain. Sounds like you're in a bit of pain with that. That would be awful. Yeah.\n\nYeah. Yeah. Of course. And that would be that's just horrible. I mean, your knees they do a lot when you think about it.\n\nYeah. No. All good. How are you going with that? No.\n\nYou're fine. You're honestly fine. Do not worry. I was trying to send documents out earlier, and the poor person I was talking to is like, not yet. I'm like, no.\n\nIt's probably only either. Sorry. It's coming. It's all good. It's a lot of technology when it wants to work.\n\nThat's okay. If you like, what I'll do is I can start running through things. I'll hold off the majority of it until you're ready to go. But I can start running through just updating your goals and things like that for you just to kinda give you an overview of where I was heading with this advice document. Okay?\n\nExcellent. So what we were sort of just asking last time was reassessing your sleep and the investments. We sort of have noticed there have been some changes in the market recently, and we wanted to go forward and just make some changes to your investments. You are getting closer to those retirement years. Your goal for super was that you were hoping to retire around about the age of of 60 and with a retirement income of about $1,000 per week to support your desired lifestyle.\n\nDoes that still sound fairly appropriate for you? Yep. All good. We've also had a look at the, you know, the additional salary sacrifice and things like that. Now when I had a look, last year, you were salary sacrificing into super.\n\nThat amount was kind of up and down a little bit, and I'm assuming it was depending on what you were earning or your income there. It looks like coming back a little bit this year, those additional contributions haven't really been going in. Have you stopped that for this year? Or yep. Okay.\n\nNo. That's okay. Just because one of the things we talked about was increasing the salary sacrifice and looking at trying to build on super a lot more. And back then, you had mentioned to me that you were comfortable increasing that by another $100 and doing about $200 on a weekly basis to sell that. So, realistically, as part of this, because you are nine years out from retirement, essentially, you're making your agent state currently, you are I am recommending that you do increase and do that salary sacrifice and make it $200 per week.\n\nJust because starting now, if you can afford it look. If you kinda look at things and say, look. I really can't do it at the moment, that's okay and understandable. You're allowed to say, I'm not taking that part of the advice. It's completely fine.\n\nBut, realistically, trying to start that now rather than holding off a couple of years down the track actually does work out better for you. So compounding over the next, you know, nine, ten years works out much greater as an effect for you rather than starting five or six years later and only compounding it for about five to four years towards the retirement there. So if you are able to start doing it again, absolutely, I'm recommending that you definitely do. If you only can start with something smaller, that's absolutely fine often because the cost of living has increased phenomenally. And you've got a lot going on at the moment as well.\n\nBut if, yeah, you're only comfortable with, you know, $50 a week or a $100 a week, that's absolutely fine. But as part of the advice, I did go back, review things, look at where we're sort of tracking, and did recommend that you do increase the contributions a bit in the super. Okay. Excellent. Now there can be some definite changes there.\n\nBut as I said, on the very last page of this document, once you do get some time, sorry to go back and read it through. And we've also got, like, a square box that says multiline on it. If there's any part of the advice you're not comfortable taking or don't want to take on board, that's absolutely fine. Just write in there that you you know, if you don't wanna take the whole $200 of sales tax, so, you know, only sales tax only comfortable sales tax this month per week or fortnight or I don't wish to proceed with the salary sacrifice. If you just note that in there, we'll note that that's a change to advise that you don't wish to proceed with, and then we'll just make sure we skip that part of the strategy when we're helping you implement it.\n\nOkay? Excellent. All good. How's your computer going? Yep.\n\nDouble check your junk mail there as well. Nothing? No. It's definitely gone through. Sorry about that.\n\nLet me just double check. Yep. That's the one I have here. It is raining up here, so I don't know if that's having effect. It's not supposed to be raining up here.\n\nThey were forecast rain. Let's have a look. That's the detail. Yep. I've got your email address correct.\n\nSo I might just press resend and see if it comes through again. Sometimes the second link works better than the third link. Sorry about that. Perfect. The dreaded clear out of all the emails that bulk up.\n\nAre you good? Do you look at your emails every day and try to read what's there, or do you have a whole bunch of unread ones like I might? No. You're good. I'm really good with my work emails, but my personal ones, they're a shocker.\n\nIt's horrible. Perfect. So when you click, you'll see a top button that says sign or a click to sign. If you just click on that box, it lets you go forward so you can see the document. And on the front page, it should say statement of advice with your name as of the 08/06/2026.\n\nYeah. You're right. That's okay. No. Yeah.\n\nNothing else. That's really bizarre. It's I definitely sent it. The link's definitely come through. It's just not moving forward.\n\nI might it might just need some time. It what I can do is I'll go through the recommendations. If it doesn't open up properly in the next maybe day, let me know by Monday. I'm not in the office tomorrow, but I'll double check on Monday, and I'll get my colleague, Samantha, just to maybe touch base or send you an email or even just a text to see if it was able to open. If it's not, we'll try and resend it through another way for you because we also use Adobe Sign.\n\nIt's just that Odesa sign is generally easier to use. So if it doesn't open, I can easily organize it to go through another way there for you. Okay? I'll try to not I'll try to not confuse this for you and make it as easy as possible. We've already gone through the salary sacrifice recommendations.\n\nSo you're welcome to sort of have a look at your expenditure and work out whether it's worthwhile or whether you're able to do that or not. But the other thing I did look at was making sure your superannuation is working harder for you. So you were in one of the older portfolios. We have over recent months removed the ban along Australian equities out of that because it was under performing as an investment, which has been good so far for you. But I wanted to sort of make some other changes as well.\n\nSo, essentially, I want to review the super fund that you're in as well as the investments. I am recommending you do stay with Netwealth. I did look at other funds out there. And while there are other platforms that might be cheaper, the biggest thing to think about when we're changing platforms is the taxation side of things. So your super fund, just like you, every year, it does a tax return.\n\nIt pays income and capital gains tax. And if we were to sell down the total portfolio all the way to cash the movie to another platform, there's a much higher capital gains consequence for doing so. So we wanted to limit that where possible and just make sure that, you know, we are able to keep things working harder for you and have as little a tax impact on your funds. In order to settle down to move to another another platform, the total capital gains impact would have been about $5,336. So it doesn't sound like much, but when when that comes off your super balance, it can take a bit longer for that to recover and to for it to make that money back.\n\nSo I'm recommending you stay with Netwealth for the time being. We'll keep reviewing that down the track. Another way we can, when you kinda hit those retirement years and you actually start working, there are ways that I can look to maybe change the platform and alter things without any capital gains consequences for you. So when you get to those times, we'll definitely have a look at what else we can do, and I can provide additional advice there to help maybe change the platform, reduce admin fees, and things like that there for you without those tax consequences. Okay?\n\nSo what we're looking at within the portfolio there is I did wanna do a bit of a rebalance and did switch some of the investments around. So, essentially, at the moment, we replaced the Benelon Australian Equities and put the beta shares a 200 in there for you. The beta shares a 200 investment is a more passive investment. It tracks the top 200 companies on the ASX. Your older investment, the Benelon Australian Equities, that was an actively managed fund.\n\nSo the investment manager was trying to outperform against the market. Couldn't always do that. Active managers quite often don't beat the market, and this one has underperformed pretty heavily, has been a bit up and down since early twenty twenty with our COVID. So we decided this year it was worth getting rid of it. So we removed it out of everyone's portfolio originally.\n\nYou should have received the record of advice probably back in March letting you know that we were making that change for you. Yeah. Oh, good. So we did that switch, and it has been working much better for you. Bental Long Australian Equities also only held generally between 15 to 25 different investments within that that fund there.\n\nThe a 200 actually is tracking 200 of the top Australian companies. So it's actually giving you more diversification. It's a cheaper investment, and it's a passive investment, so it's lower risk as well. So we wanna keep that in there. At the moment, you've got about 37.62.\n\nYou're a bit overexposed in Australian equity, so I wanna bring your exposure down a little bit, that's 25% maximum. So we're gonna sell a little bit of the a 200 and just bring you back down a little bit to 25% total there. Okay? You've also got the cybersecurity, a global cybersecurity, which is giving you access to cybersecurity across the entire globe. Essentially, you've got about 7.33% there.\n\nAt the moment, we only wanna hold about 6%. So we're just gonna rebalance your portfolio back a little bit, sell some of that, and bring you back to 6%. Physical gold is done really, really well. At the moment, you've got about 3% physical gold in your portfolio. We wanna increase that exposure till about 7%, so we're gonna buy some more of that investment for you.\n\nYou've also got some European ETFs, so access to the all 16 European countries there. We wanna hold about 9%. Your portfolio is showing currently only about 6.68%. So we're gonna reweight and buy some more of that European exposure. You've also got or did have the MISCE European exposure.\n\nWe don't wanna double up and have two of them, and the MISCE is actually a little bit more expensive as an investment. So we're gonna sell that one completely down to zero and just have it in the iShares Europe ETF to make it cost effective, but still give you access and exposure to the European companies and and markets. We've also currently got the MISCI Japanese ETF. It's giving you exposure to the Japan market. It's still a great place to be.\n\nThe MISCI can be a little bit more expensive than other ones, but this one has been performing really nicely, so I wanted to keep that for you just to limit the amount of tax your super fund has to pay by me swapping around investments for you. You have a little over 5% exposure at the moment. We only wanna hold 5%, so we're selling just a small percent of that off. It's about 0.4% to be sold off. It's equates about a $160 to sell down that and rebalance you there.\n\nYou've also got the S and P 500. This is tracking the top 500 companies across the American asset as of the American market. You hold about 30% there at the moment. 30.02%. We wanna hold about 35% of this investment, so we need to buy a little bit to rebalance you up a little bit there.\n\nAnd then we've also got an inclusion of the All World Vanguard ex US investment. This is tracking essentially the entire globe. One of the biggest things we wanna look at and what I wanted to look at with you, Steve, was making sure that we can reduce as much risk as possible. We can't reduce a 100% of all the risks that have been invested, but having diversification helps to reduce market risk. And being diversified across the globe, it gives you access to exposure to all the markets, all the established markets, but also any up and coming markets as well.\n\nSo the Vanguard All World ex US investment, which we're gonna include about 8% in your portfolio, helps to diversify you across the entire globe there. It is ex US. It doesn't hold any of The US market, and that's because we have 35% iShares f and c 500. So we don't wanna overexpose you. We think 35% is enough for The US to hold anymore.\n\nWe're just doubling up on things. And then you're yeah. And then you're in that high growth environment. So, generally, that feeds about 90% in those growth investments and then around about five to 10% in low risk defensive investments like bonds and fixed interest. We still wanna hold some bonds.\n\nWe're holding core composite bonds. And at the moment, you don't really have any in there, so we're gonna add about 5% in there for you to give you some more defensive investments, and that's just making sure you do have some low risk cash producing bonds are really great. Their income, they pay out regular income payments that get paid into your cash account and reinvested back into your portfolio as well for compounding. So we're gonna include about 5% of that in your portfolio. All in all, this portfolio kind of rebalances things a little bit, so it's really important to make sure we do do rebalances pretty you know, not as much of every year, but as often as needed.\n\nEssentially, you're rebalancing back to where you should be or what a certain equity should be at or is expected to be at. Over time, some investments grow faster or slower than others, which can overall change the risk of your portfolio. So rebalancing means selling a little of something or buying a little bit of something else to kind of bring you back to a certain weighting and to keep your risk level at a certain rate as well. So that's what we're sort of wanting to do with this portfolio, but I I included a few additional investments there to make sure we're giving you as much diversification as possible. I think one of the things moving forward over the next nine to ten years as you get close to accessing so far is making sure we can diversify and reduce as much risk as possible.\n\nYou're about nine years out at the moment. I would want to, in the next couple of years as well, start to reduce you back out of that high growth environment just because at the moment, you're okay. The high growth environment suits someone who's about eight years away from accessing their money. When you get closer and closer to especially with the kind of volatility we have seen this year, you do risk then if you stay in that high growth environment, risking accessing your funds at a downtime or seeing a large dip that could affect you trying to access your money, meaning you might cement those losses a bit more. So as we get closer, I definitely wanna maybe talk about reducing your risk level.\n\nBut for the next twelve months, we're okay to sort of stay where we are and just look at trying to obtain as money as much in the way of gains as possible moving forward. Does that make sense? And do you have any questions? That feels good? Fantastic.\n\nAll good. With your cash account at the moment, you've got about 4.80% there. So it's equates to about $8,000. In your super fund, you don't wanna hold much in the way of cash. You wanna have as much money as possible invested in the portfolio.\n\nSo I'm gonna take about $6,800 there and invest that into the above portfolio for you. We only wanna hold about 1%, essentially. Keeping money in your cash account doesn't get you returns. It actually costs you money to have it that you don't get much in the way of the cash rate. So I wanna make sure we invest as much of that as possible and just hold the minimum cash requirement.\n\nOkay? Excellent. Now the kind of the main reason we're sort of looking at doing is is when I went back and did the research, when you are looking at the document, page 21 has your fee comparison table. So at the moment, your super balance is about 180,317. Inside your super fund, you do have administration fees, investment fees.\n\nOur ongoing service fee for us looking after things, which is 1.65 per annum, deducted in smaller monthly increments there for you, your contributions going in, and you've also got your insurance premiums coming out of this Visa Fund as well. When we looked at the the older high growth portfolio and the way you were invested, invested over the past five years, those investments have averaged about 11.56%, which is great. It's a good return to average over that time frame. But when we kind of look at the history of the newer investment portfolio, which is giving you more diversification, it's actually averaged to that 12.22%. So it has achieved a much higher rate of return over the past five years on an average, which means if it can get that same sort of return moving forward each year over the next five to nine years, you could end up with about 340,000 or over the age of 60 in about nine years' time, around about 530,000 there.\n\nSo it does depend upon how much it reacts, and I always suggest take the projections as a grain of salt because it's basically saying this is how the portfolio has returned. If you're able to achieve the same level of return moving forward, this is where you can see yourself. But there's also no guarantees, and I don't want you to be in a high growth portfolio right up until the day you retire. So we will start to pull things back a little bit, which can affect the projected outcome. But, honestly, as long as we can get, you know, a good 10 to 12% return, even in a balanced portfolio when we reduce risk back a little bit, even in those with the lower risk portfolios, you can still achieve a 10 or 12 or 15% return on a good year as well.\n\nSo definitely not saying you can't get to that point. I'm just saying just be careful. It's not a guaranteed return. It's just projected based on the current circumstances, and markets do change. I think this year taught us all that.\n\nAnyone who wasn't aware could see markets going up and down, and I had a lot of very difficult conversations with people this year about how they were feeling in those high growth environment. So it's just something I like to make sure I'm very open and honest with. Yeah. Excellent. One of the things I kinda mentioned before with the changes I wanna make to your portfolio is that it does save you in fees.\n\nSo it is a lower fee. It's actually a cheaper portfolio. When we look at your investment fees, your older portfolio, you're paying about $444 in investment fees there. This newer portfolio reduced those fees to about $327. So you're actually saving about a $117 in investment fees there.\n\nDoesn't sound like a lot, but when you contact that over the next sort of five to ten years and have that money invested, if it's earning a 12% return, it can essentially grow to a much greater return for you. So any kind of fee savings, I mean, that's more money invested for you long term. Yeah. Yeah. The other thing I looked at was the capital gains consequences.\n\nAs I kinda mentioned before, a full sell down meant that you would have a CGT bill inside super, not for you personally, but the CGT accounted for inside super was a bit over $5 there. By making these changes that I've gone through now, the CGT your super fund would have to account for is $686. So I was able to minimize that CGT massively, noting that your fund will only have to account for $686 in CGT to make those changes and rebalance your portfolio out for you as well. Okay. Do you have any questions at the moment?\n\nDid you wanna ask me anything at all? Is it no? No. That's okay. You're all good.\n\nObviously, the projection table does include your salary sacrifice as well. So I did wanna reiterate that I am recommending that we do sell that just to try and get as much as we can in the super now and compound forward, but it just comes down to what you can afford as well, and I understand that. The cost of living has gone exorbitantly high. So it's all understandable, and you just do what you're comfortable with. If you decide you're not comfortable sales that, that's okay.\n\nI can work with that. We can kinda look at it again. If you're comfortable starting smaller, I've I've started working with a lot of people trying to get them to to do 10, so it's 20 or $50 on a weekly basis and just start smaller and build it up over time as well just so they can kinda get used to the difference in their income. And that's also you know, can make a bit of a difference for you as well. But I will work with whatever your comfort level is.\n\nIt could definitely have changed since our last conversation. Okay. All good. There's no new recommendation for the insurance side of things now. We are just retaining your current insurance level, your current premium paid out of through today.\n\nYou've got your licensed CBD policy with me. The current sum insured for your life is 623,432. You've got the same level of TDD then. I think one of the things we were looking at down the track was reassessing the life and TDD limits to make sure it was meting your goal. But we were also looking at trying to get you some income protection there, which is hard to be put on hold for the moment.\n\nBut when there's things settled down a bit for you, let me know. We can come back and definitely have that conversation and look at what kind of income protection you might be able to get, what that might look for you as well, the cost and everything for you as well. Okay? Excellent. When you do get to look at the documents there, if you just sort of take some time to read it over, I have outlined all the recommendations, the advantages, disadvantages, the risks involved.\n\nI've gone through some of those with you already, but there's definitely more outlined there, and then also any alternatives that I have considered as part of the advice. We do also attach the appendices for you, which outlines a lot of the research completed. And depending on how much you like to read and how much downtime you're gonna have after your surgery, I've also got the NEOs and the the PDF documents for your super fund for Netwealth as well. So you're welcome to run your eyes over those, have a read of the documents. Not everyone's that keen on reading them, but you've got some time on your end.\n\nAnd then we've also and then you've also got your the Oakview Financial Services guide there for you as well. And because it is time to renew your ongoing service agreement as well, I've attached a new agreement there for the next twelve months just to reconfirm. So if you're happy to proceed with everything, I'll get you to sign and return the documents, sign the ongoing service agreement back, and we can go forward, do the investment switch for you. And and as I kinda said, on the very last page, if you decide you wanna alter the sales back or not go ahead with it or make any changes, just make a little note in that box there. If you get stuck and forget, you can just let me know, and I can always make a little note in your file with what you wanna change or alter for you as well.\n\nOkay. Easy. That is that is basically all I wanted to go through with you just to kind of update things. I just wanna make sure your super is working harder for you, and if that's what's putting in super every now and then do need to be updated. So it's well worth making sure that we're keeping you on track and making sure your suit is working as hard as it possibly can.\n\nYou've worked hard for your money, so it should be doing the exact same thing for you at the end of the day. Do you do you have any questions for me at the moment? Is there anything that's kinda come to mind thus far? No. Okay.\n\nOh, thank you. Appreciate that. Perfect. Thank you so much. I really enjoy this.\n\nI love the educational part of my job as well as looking and updating the advice. I mean, you just I want you to have the best time possible. And here at IFU, I do a lot of that retirement advice looking at, you know, tracking over time of what that looks like in in retirement, how do we draw down, do we get counseling, and things like that. So I definitely wanna make sure I look after you moving forward that you get the best possible retirement because you will have worked a whole lifetime by the time you get there, and then you've got a whole lifetime in retirement as well. So it's gotta you know, it'll be the best gig of your life.\n\nIt should be at least anyway. All good. Thank you. Oh, fantastic. Well, it's good to know that you are happy with everything.\n\nEssentially, we do work under the best interest duty, which is part of the corporations act. So my job is to look after you. If at any point in time, under best interest duty and under the corporations act, if your best interest comes into conflict of that with OP Financial, I have to put your needs above my employer. So I would do everything I can to look after you and make sure that, you know, your goals are met and that we're doing the right thing. So if you're ever needing any anything additional, any questions or concerns, flag it with me, more than happy to do so.\n\nI just wanted to sort of before I let you go, just to reconfirm, do you want me to do a bit of a catch up with you in maybe three or six months, or when would you like the next catch up to be? Yep. Perfect. The surgery is meant to be in September. Yep.\n\nThat's okay. Would you like me to maybe get someone to I can get one of my admin team members to give you a call maybe mid October just to see if it's something you wanna review then and see how things are going and maybe book it a time for us to catch up with regard to the insurances at that point. Does that sound okay? Yep. Beautiful.\n\nAnd then I'll also put a six month catch up in there to look at the paper after the changes are made, which brings us up to about February twenty twenty seventh. That's incredible. It is fantastic. I thank you so much for your time today, Chris. I will let you go, and I hope you have a lovely evening.\n\nI'll get Samantha to follow-up in the next day or two just to see if that document's come through and if you're able to read it. If you still can't see it, we'll just try to resend it via another electronic signature platform for you. Okay? All good. Thank you so much for your time.\n\nI appreciate you taking my call. I hope you have a good evening, and good luck with the surgery. I hope it's a safe recovery. Yeah. Not a problem at all.\n\nYou have a lovely evening. Thank you so much. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Christopher.","start":1.5999999,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.10407525673508644},{"text":"It's Dana from Oakview Financial.","start":2.3999999,"end":4.1,"sentiment":"neutral","sentiment_score":0.15051958858966827},{"text":"How are you this afternoon?","start":4.16,"end":5.38,"sentiment":"neutral","sentiment_score":0.18593428432941436},{"text":"I'm very well.","start":7.04,"end":8.0,"sentiment":"positive","sentiment_score":0.6191483934720358},{"text":"Thank you.","start":8.0,"end":8.48,"sentiment":"positive","sentiment_score":0.6990803480148315}],"sentiment":"neutral","sentiment_score":0.30270739732419744,"num_words":17,"start":1.5999999,"end":8.48},{"sentences":[{"text":"I had you booked in to go through your updated statement of advice.","start":8.48,"end":11.28,"sentiment":"neutral","sentiment_score":0.33039251886881316},{"text":"Is now still a good time there for you?","start":11.28,"end":13.38,"sentiment":"neutral","sentiment_score":0.2834004494878981},{"text":"Fantastic.","start":15.205,"end":15.705,"sentiment":"positive","sentiment_score":0.5830909013748169},{"text":"I'm just sending an email with the document attached.","start":16.005,"end":18.404999,"sentiment":"neutral","sentiment_score":0.2622644040319655},{"text":"Are you able to open that one and review the document with me at all?","start":18.404999,"end":22.085,"sentiment":"neutral","sentiment_score":0.16220886011918387}],"sentiment":"neutral","sentiment_score":0.2600491538326791,"num_words":47,"start":8.48,"end":22.085},{"sentences":[{"text":"If you can't, that's okay.","start":22.085,"end":23.465,"sentiment":"neutral","sentiment_score":-0.01960032284259796},{"text":"That's okay.","start":26.93,"end":27.650002,"sentiment":"neutral","sentiment_score":0.06357747688889503},{"text":"If you can't, I can always run through it.","start":27.650002,"end":29.57,"sentiment":"neutral","sentiment_score":0.051888959689272776},{"text":"This is often easier because they're talking that you're super in reviewing the investment.","start":29.57,"end":33.27,"sentiment":"neutral","sentiment_score":0.15166365887437547},{"text":"It can be a lot for me to sort of talk at you.","start":33.73,"end":36.05,"sentiment":"neutral","sentiment_score":0.12872050759884027}],"sentiment":"neutral","sentiment_score":0.09983283255335897,"num_words":43,"start":22.085,"end":36.05},{"sentences":[{"text":"So if you're able to, it is easier for you.","start":36.05,"end":38.690002,"sentiment":"neutral","sentiment_score":0.18367778062820433},{"text":"That's all.","start":38.690002,"end":39.43,"sentiment":"neutral","sentiment_score":0.08226471394300461},{"text":"That's okay.","start":42.875,"end":43.595,"sentiment":"neutral","sentiment_score":0.12350749969482422},{"text":"You're absolutely fine.","start":43.595,"end":44.795002,"sentiment":"neutral","sentiment_score":0.24626317620277405},{"text":"And so just while that is going ahead, I would just let you know we do record our calls for quality and training purposes.","start":44.795002,"end":50.975,"sentiment":"neutral","sentiment_score":0.06959543873866399}],"sentiment":"neutral","sentiment_score":0.11359517785107218,"num_words":41,"start":36.05,"end":50.975},{"sentences":[{"text":"Are you okay for me to proceed with that?","start":51.035,"end":53.215,"sentiment":"neutral","sentiment_score":0.041514194673962064},{"text":"Fantastic.","start":54.84,"end":55.34,"sentiment":"positive","sentiment_score":0.48039865493774414},{"text":"Excellent.","start":55.64,"end":56.12,"sentiment":"positive","sentiment_score":0.43957093358039856},{"text":"I'll do a quick security check there with you as well.","start":56.12,"end":58.859997,"sentiment":"neutral","sentiment_score":0.24587258425625888},{"text":"I just need to confirm, sorry, your full name, your date of birth, and address I should have on file.","start":59.239998,"end":64.14,"sentiment":"neutral","sentiment_score":0.054855718091130254}],"sentiment":"neutral","sentiment_score":0.12131690783869653,"num_words":42,"start":51.035,"end":64.14},{"sentences":[{"text":"Yep.","start":66.6,"end":66.915,"sentiment":"neutral","sentiment_score":0.02683005109429359},{"text":"Yep.","start":69.235,"end":69.735,"sentiment":"neutral","sentiment_score":0.031570062041282654},{"text":"Beautiful.","start":71.555,"end":72.035,"sentiment":"positive","sentiment_score":0.37164774537086487},{"text":"Thank you so much for that.","start":72.035,"end":73.735,"sentiment":"positive","sentiment_score":0.45445219178994495},{"text":"And how's everything going at the moment?","start":74.035,"end":75.555,"sentiment":"neutral","sentiment_score":0.1282682323030063}],"sentiment":"neutral","sentiment_score":0.2534149147104472,"num_words":16,"start":66.6,"end":75.555},{"sentences":[{"text":"I understand you've, having some surgery on your knee or you're having some treatment on your knee.","start":75.555,"end":79.715,"sentiment":"neutral","sentiment_score":-0.03579014265800223},{"text":"How's that going?","start":79.715,"end":80.76,"sentiment":"neutral","sentiment_score":-0.016412674449384212},{"text":"Okay.","start":87.48,"end":87.98,"sentiment":"neutral","sentiment_score":0.03888184577226639},{"text":"All good.","start":88.28,"end":88.92,"sentiment":"neutral","sentiment_score":0.10018975660204887},{"text":"And I hope they're hoping or expecting full recovery after that?","start":88.92,"end":92.68,"sentiment":"neutral","sentiment_score":-0.005246240476315672}],"sentiment":"neutral","sentiment_score":-0.01400346278815585,"num_words":34,"start":75.555,"end":92.68},{"sentences":[{"text":"Or but yeah.","start":92.68,"end":103.415,"sentiment":"neutral","sentiment_score":-0.00227059920628866},{"text":"Okay.","start":103.415,"end":103.815,"sentiment":"neutral","sentiment_score":0.18796466290950775},{"text":"Well, hopefully, it'll go as well.","start":103.815,"end":105.255005,"sentiment":"positive","sentiment_score":0.3894811471303304},{"text":"Good to see.","start":105.255005,"end":105.735,"sentiment":"positive","sentiment_score":0.5565587083498637},{"text":"I know one of the things we were trying to so that was the insurance side of things.","start":105.735,"end":109.015,"sentiment":"neutral","sentiment_score":0.03383801473925511}],"sentiment":"neutral","sentiment_score":0.15473548833641312,"num_words":31,"start":92.68,"end":109.015},{"sentences":[{"text":"We just have to sort of be held off for the time being.","start":109.015,"end":111.24,"sentiment":"neutral","sentiment_score":-0.056800904182287365},{"text":"Once you've gone through that, you've got your appointments all sorted, the doctors are gone yet.","start":111.24,"end":115.32,"sentiment":"neutral","sentiment_score":-0.036310176365077496},{"text":"No problem.","start":115.32,"end":115.88,"sentiment":"neutral","sentiment_score":0.2020193412899971},{"text":"All good.","start":115.88,"end":116.439995,"sentiment":"positive","sentiment_score":0.38317663967609406},{"text":"You're you know, no more treatment required.","start":116.439995,"end":118.35999,"sentiment":"neutral","sentiment_score":0.2199349988784109}],"sentiment":"neutral","sentiment_score":0.03476405944675207,"num_words":40,"start":109.015,"end":118.35999},{"sentences":[{"text":"Let me know.","start":118.35999,"end":119.159996,"sentiment":"neutral","sentiment_score":0.15546317398548126},{"text":"We can come back, review the insurance.","start":119.159996,"end":120.84,"sentiment":"neutral","sentiment_score":0.10368983341114861},{"text":"Let's look at what you're after, what you need, what your goals are, and update that for you.","start":120.84,"end":124.67999,"sentiment":"neutral","sentiment_score":0.14420917795764077},{"text":"Okay?","start":124.67999,"end":125.17999,"sentiment":"neutral","sentiment_score":0.06345561146736145},{"text":"Excellent.","start":126.435,"end":126.915,"sentiment":"neutral","sentiment_score":0.10790757834911346}],"sentiment":"neutral","sentiment_score":0.13197822496294975,"num_words":30,"start":118.35999,"end":126.915},{"sentences":[{"text":"All good.","start":126.915,"end":127.735,"sentiment":"neutral","sentiment_score":0.20372764766216278},{"text":"Hopefully, you have no more pain.","start":128.035,"end":129.715,"sentiment":"neutral","sentiment_score":-0.029365722090005875},{"text":"Sounds like you're in a bit of pain with that.","start":129.715,"end":131.475,"sentiment":"neutral","sentiment_score":-0.251934626698494},{"text":"That would be awful.","start":131.475,"end":132.455,"sentiment":"negative","sentiment_score":-0.4313414841890335},{"text":"Yeah.","start":136.675,"end":137.175,"sentiment":"neutral","sentiment_score":-0.0664888247847557}],"sentiment":"neutral","sentiment_score":-0.1773886985105017,"num_words":23,"start":126.915,"end":137.175},{"sentences":[{"text":"Yeah.","start":141.29,"end":141.76999,"sentiment":"neutral","sentiment_score":-0.04158025234937668},{"text":"Yeah.","start":141.76999,"end":142.01,"sentiment":"neutral","sentiment_score":-0.04982288181781769},{"text":"Of course.","start":142.01,"end":142.56999,"sentiment":"neutral","sentiment_score":-0.08745818212628365},{"text":"And that would be that's just horrible.","start":142.56999,"end":144.17,"sentiment":"neutral","sentiment_score":-0.2923803776502609},{"text":"I mean, your knees they do a lot when you think about it.","start":144.17,"end":147.06999,"sentiment":"neutral","sentiment_score":-0.2449605052287762}],"sentiment":"neutral","sentiment_score":-0.2290611962477366,"num_words":24,"start":141.29,"end":147.06999},{"sentences":[{"text":"Yeah.","start":148.89,"end":149.39,"sentiment":"neutral","sentiment_score":-0.03126902133226395},{"text":"No.","start":149.45,"end":149.93,"sentiment":"neutral","sentiment_score":-0.07328528165817261},{"text":"All good.","start":149.93,"end":150.67,"sentiment":"neutral","sentiment_score":-0.0012025358155369759},{"text":"How are you going with that?","start":152.675,"end":154.13501,"sentiment":"neutral","sentiment_score":-0.035803234204649925},{"text":"No.","start":154.595,"end":154.91501,"sentiment":"neutral","sentiment_score":-0.026575380936264992}],"sentiment":"neutral","sentiment_score":-0.031668560071425,"num_words":11,"start":148.89,"end":154.91501},{"sentences":[{"text":"You're fine.","start":154.91501,"end":155.895,"sentiment":"neutral","sentiment_score":0.016408344265073538},{"text":"You're honestly fine.","start":156.835,"end":157.955,"sentiment":"neutral","sentiment_score":0.10368761420249939},{"text":"Do not worry.","start":157.955,"end":158.515,"sentiment":"neutral","sentiment_score":0.028226200491189957},{"text":"I was trying to send documents out earlier, and the poor person I was talking to is like, not yet.","start":158.515,"end":162.755,"sentiment":"neutral","sentiment_score":-0.15394742004573345},{"text":"I'm like, no.","start":162.755,"end":163.315,"sentiment":"neutral","sentiment_score":-0.149634450674057}],"sentiment":"neutral","sentiment_score":-0.09997721355889112,"num_words":31,"start":154.91501,"end":163.315},{"sentences":[{"text":"It's probably only either.","start":163.315,"end":164.595,"sentiment":"neutral","sentiment_score":-0.16101399809122086},{"text":"Sorry.","start":164.595,"end":164.91501,"sentiment":"neutral","sentiment_score":-0.03754546865820885},{"text":"It's coming.","start":164.91501,"end":165.655,"sentiment":"neutral","sentiment_score":0.025731009198352695},{"text":"It's all good.","start":166.81,"end":167.37,"sentiment":"neutral","sentiment_score":0.26889466245969135},{"text":"It's a lot of technology when it wants to work.","start":167.37,"end":169.54999,"sentiment":"neutral","sentiment_score":0.08444024585187435}],"sentiment":"neutral","sentiment_score":0.05104735016357154,"num_words":20,"start":163.315,"end":169.54999},{"sentences":[{"text":"That's okay.","start":171.61,"end":172.56999,"sentiment":"neutral","sentiment_score":0.1653527393937111},{"text":"If you like, what I'll do is I can start running through things.","start":172.56999,"end":175.12999,"sentiment":"neutral","sentiment_score":0.11098976547901447},{"text":"I'll hold off the majority of it until you're ready to go.","start":175.12999,"end":178.67,"sentiment":"neutral","sentiment_score":0.05257372775425514},{"text":"But I can start running through just updating your goals and things like that for you just to kinda give you an overview of where I was heading with this advice document.","start":178.93501,"end":185.99501,"sentiment":"neutral","sentiment_score":0.0989766150014475},{"text":"Okay?","start":186.13501,"end":186.63501,"sentiment":"neutral","sentiment_score":0.04544493183493614}],"sentiment":"neutral","sentiment_score":0.0936192295824488,"num_words":60,"start":171.61,"end":186.63501},{"sentences":[{"text":"Excellent.","start":187.815,"end":188.315,"sentiment":"neutral","sentiment_score":0.022809194400906563},{"text":"So what we were sort of just asking last time was reassessing your sleep and the investments.","start":188.93501,"end":192.79501,"sentiment":"neutral","sentiment_score":0.06306019140517011},{"text":"We sort of have noticed there have been some changes in the market recently, and we wanted to go forward and just make some changes to your investments.","start":193.61,"end":200.01,"sentiment":"neutral","sentiment_score":0.15261338172214373},{"text":"You are getting closer to those retirement years.","start":200.01,"end":202.49,"sentiment":"neutral","sentiment_score":0.26983207650482655},{"text":"Your goal for super was that you were hoping to retire around about the age of of 60 and with a retirement income of about $1,000 per week to support your desired lifestyle.","start":202.49,"end":212.615,"sentiment":"neutral","sentiment_score":0.2513837091850512}],"sentiment":"neutral","sentiment_score":0.1818658178351049,"num_words":87,"start":187.815,"end":212.615},{"sentences":[{"text":"Does that still sound fairly appropriate for you?","start":212.675,"end":215.41501,"sentiment":"neutral","sentiment_score":0.22615788504481316},{"text":"Yep.","start":217.395,"end":217.79501,"sentiment":"positive","sentiment_score":0.37576794624328613},{"text":"All good.","start":217.79501,"end":218.535,"sentiment":"positive","sentiment_score":0.623991072177887},{"text":"We've also had a look at the, you know, the additional salary sacrifice and things like that.","start":218.755,"end":222.96,"sentiment":"neutral","sentiment_score":0.05076730623841286},{"text":"Now when I had a look, last year, you were salary sacrificing into super.","start":222.96,"end":227.54,"sentiment":"neutral","sentiment_score":-0.019840963450925692}],"sentiment":"neutral","sentiment_score":0.095673425921372,"num_words":42,"start":212.675,"end":227.54},{"sentences":[{"text":"That amount was kind of up and down a little bit, and I'm assuming it was depending on what you were earning or your income there.","start":228.08,"end":234.465,"sentiment":"neutral","sentiment_score":-0.058257563039660454},{"text":"It looks like coming back a little bit this year, those additional contributions haven't really been going in.","start":234.625,"end":242.625,"sentiment":"neutral","sentiment_score":-0.17590014615820515},{"text":"Have you stopped that for this year?","start":242.625,"end":244.785,"sentiment":"neutral","sentiment_score":-0.13186836295894214},{"text":"Or yep.","start":244.785,"end":248.165,"sentiment":"neutral","sentiment_score":-0.13586760871112347},{"text":"Okay.","start":249.81999,"end":250.31999,"sentiment":"neutral","sentiment_score":-0.126106858253479}],"sentiment":"neutral","sentiment_score":-0.11114481270865158,"num_words":54,"start":228.08,"end":250.31999},{"sentences":[{"text":"No.","start":250.7,"end":251.02,"sentiment":"neutral","sentiment_score":-0.1818249225616455},{"text":"That's okay.","start":251.02,"end":251.9,"sentiment":"neutral","sentiment_score":-0.11761583387851715},{"text":"Just because one of the things we talked about was increasing the salary sacrifice and looking at trying to build on super a lot more.","start":251.9,"end":257.74,"sentiment":"neutral","sentiment_score":-0.010714084506034852},{"text":"And back then, you had mentioned to me that you were comfortable increasing that by another $100 and doing about $200 on a weekly basis to sell that.","start":257.74,"end":265.395,"sentiment":"neutral","sentiment_score":0.005285521703107017},{"text":"So, realistically, as part of this, because you are nine years out from retirement, essentially, you're making your agent state currently, you are I am recommending that you do increase and do that salary sacrifice and make it $200 per week.","start":265.395,"end":280.98,"sentiment":"neutral","sentiment_score":0.09251076573642289}],"sentiment":"neutral","sentiment_score":0.03356729175165756,"num_words":97,"start":250.7,"end":280.98},{"sentences":[{"text":"Just because starting now, if you can afford it look.","start":281.14,"end":283.86002,"sentiment":"neutral","sentiment_score":-0.018504809215664865},{"text":"If you kinda look at things and say, look.","start":283.86002,"end":285.54,"sentiment":"neutral","sentiment_score":-0.20458165307839712},{"text":"I really can't do it at the moment, that's okay and understandable.","start":285.54,"end":289.08002,"sentiment":"negative","sentiment_score":-0.3834900086124738},{"text":"You're allowed to say, I'm not taking that part of the advice.","start":289.22,"end":291.86002,"sentiment":"neutral","sentiment_score":-0.2730009655157725},{"text":"It's completely fine.","start":291.86002,"end":293.16,"sentiment":"neutral","sentiment_score":0.033325545489788055}],"sentiment":"neutral","sentiment_score":-0.2131347396289525,"num_words":46,"start":281.14,"end":293.16},{"sentences":[{"text":"But, realistically, trying to start that now rather than holding off a couple of years down the track actually does work out better for you.","start":294.015,"end":300.255,"sentiment":"positive","sentiment_score":0.3697109568119049},{"text":"So compounding over the next, you know, nine, ten years works out much greater as an effect for you rather than starting five or six years later and only compounding it for about five to four years towards the retirement there.","start":300.255,"end":312.22,"sentiment":"neutral","sentiment_score":0.3175751425144149},{"text":"So if you are able to start doing it again, absolutely, I'm recommending that you definitely do.","start":312.22,"end":317.59998,"sentiment":"positive","sentiment_score":0.6143773303312414},{"text":"If you only can start with something smaller, that's absolutely fine often because the cost of living has increased phenomenally.","start":318.3,"end":325.82498,"sentiment":"neutral","sentiment_score":0.32687143608927727},{"text":"And you've got a lot going on at the moment as well.","start":325.88498,"end":328.22498,"sentiment":"neutral","sentiment_score":0.17716443662842116}],"sentiment":"positive","sentiment_score":0.35974931600301163,"num_words":115,"start":294.015,"end":328.22498},{"sentences":[{"text":"But if, yeah, you're only comfortable with, you know, $50 a week or a $100 a week, that's absolutely fine.","start":328.845,"end":334.04498,"sentiment":"neutral","sentiment_score":0.043416927754879},{"text":"But as part of the advice, I did go back, review things, look at where we're sort of tracking, and did recommend that you do increase the contributions a bit in the super.","start":334.04498,"end":342.36,"sentiment":"neutral","sentiment_score":0.16372119703076102},{"text":"Okay.","start":344.1,"end":344.26,"sentiment":"neutral","sentiment_score":0.25592881441116333},{"text":"Excellent.","start":344.26,"end":344.76,"sentiment":"positive","sentiment_score":0.4349984526634216},{"text":"Now there can be some definite changes there.","start":345.69998,"end":348.04,"sentiment":"neutral","sentiment_score":0.1769405286759138}],"sentiment":"neutral","sentiment_score":0.13297761196181887,"num_words":63,"start":328.845,"end":348.04},{"sentences":[{"text":"But as I said, on the very last page of this document, once you do get some time, sorry to go back and read it through.","start":348.18,"end":354.04,"sentiment":"neutral","sentiment_score":0.03913834332846678},{"text":"And we've also got, like, a square box that says multiline on it.","start":354.155,"end":358.73502,"sentiment":"neutral","sentiment_score":0.025376319168851927},{"text":"If there's any part of the advice you're not comfortable taking or don't want to take on board, that's absolutely fine.","start":359.11502,"end":365.535,"sentiment":"neutral","sentiment_score":0.00023654351631800268},{"text":"Just write in there that you you know, if you don't wanna take the whole $200 of sales tax, so, you know, only sales tax only comfortable sales tax this month per week or fortnight or I don't wish to proceed with the salary sacrifice.","start":366.075,"end":378.12,"sentiment":"neutral","sentiment_score":-0.06080261336432563},{"text":"If you just note that in there, we'll note that that's a change to advise that you don't wish to proceed with, and then we'll just make sure we skip that part of the strategy when we're helping you implement it.","start":378.5,"end":387.51498,"sentiment":"neutral","sentiment_score":-0.04505424179909069}],"sentiment":"neutral","sentiment_score":-0.022129349490270428,"num_words":146,"start":348.18,"end":387.51498},{"sentences":[{"text":"Okay?","start":388.935,"end":389.095,"sentiment":"neutral","sentiment_score":0.17297041416168213},{"text":"Excellent.","start":389.095,"end":389.595,"sentiment":"positive","sentiment_score":0.4491337537765503},{"text":"All good.","start":390.055,"end":390.615,"sentiment":"positive","sentiment_score":0.4540829658508301},{"text":"How's your computer going?","start":390.615,"end":391.995,"sentiment":"neutral","sentiment_score":0.1895451955497265},{"text":"Yep.","start":394.53497,"end":395.03497,"sentiment":"neutral","sentiment_score":0.037309467792510986}],"sentiment":"neutral","sentiment_score":0.25841781662570107,"num_words":9,"start":388.935,"end":395.03497},{"sentences":[{"text":"Double check your junk mail there as well.","start":397.55,"end":400.21,"sentiment":"neutral","sentiment_score":-0.2118335608392954},{"text":"Nothing?","start":402.50998,"end":403.00998,"sentiment":"neutral","sentiment_score":-0.06557248532772064},{"text":"No.","start":405.22998,"end":405.72998,"sentiment":"neutral","sentiment_score":-0.26555684208869934},{"text":"It's definitely gone through.","start":406.34998,"end":408.21,"sentiment":"neutral","sentiment_score":-0.2857702150940895},{"text":"Sorry about that.","start":408.27,"end":409.33,"sentiment":"neutral","sentiment_score":-0.21409302453200021}],"sentiment":"neutral","sentiment_score":-0.2241857498884201,"num_words":17,"start":397.55,"end":409.33},{"sentences":[{"text":"Let me just double check.","start":410.59,"end":412.245,"sentiment":"neutral","sentiment_score":0.016066048108041287},{"text":"Yep.","start":414.645,"end":414.965,"sentiment":"neutral","sentiment_score":0.03996967896819115},{"text":"That's the one I have here.","start":414.965,"end":416.425,"sentiment":"neutral","sentiment_score":0.02950617081175248},{"text":"It is raining up here, so I don't know if that's having effect.","start":418.485,"end":421.785,"sentiment":"neutral","sentiment_score":-0.12300742417573929},{"text":"It's not supposed to be raining up here.","start":422.805,"end":424.32498,"sentiment":"neutral","sentiment_score":-0.10704773757606745}],"sentiment":"neutral","sentiment_score":-0.06539822637921933,"num_words":33,"start":410.59,"end":424.32498},{"sentences":[{"text":"They were forecast rain.","start":424.32498,"end":425.9,"sentiment":"neutral","sentiment_score":-0.0443749139085412},{"text":"Let's have a look.","start":426.52002,"end":428.94,"sentiment":"neutral","sentiment_score":0.011296969139948487},{"text":"That's the detail.","start":429.88,"end":431.02,"sentiment":"neutral","sentiment_score":0.02146696796019872},{"text":"Yep.","start":432.68,"end":433.08002,"sentiment":"neutral","sentiment_score":0.06428078562021255},{"text":"I've got your email address correct.","start":433.08002,"end":434.76,"sentiment":"neutral","sentiment_score":0.09793277209003766}],"sentiment":"neutral","sentiment_score":0.03244258572037021,"num_words":18,"start":424.32498,"end":434.76},{"sentences":[{"text":"So I might just press resend and see if it comes through again.","start":434.76,"end":438.2,"sentiment":"neutral","sentiment_score":0.06369978905870365},{"text":"Sometimes the second link works better than the third link.","start":438.2,"end":444.335,"sentiment":"neutral","sentiment_score":0.05869555026292801},{"text":"Sorry about that.","start":444.335,"end":445.475,"sentiment":"neutral","sentiment_score":-0.10597256819407146},{"text":"Perfect.","start":457.35,"end":457.67,"sentiment":"positive","sentiment_score":0.480402410030365},{"text":"The dreaded clear out of all the emails that bulk up.","start":457.67,"end":460.65002,"sentiment":"neutral","sentiment_score":-0.04296462441032583}],"sentiment":"neutral","sentiment_score":0.02907701571913142,"num_words":38,"start":434.76,"end":460.65002},{"sentences":[{"text":"Are you good?","start":464.15002,"end":464.79,"sentiment":"neutral","sentiment_score":0.07719038923581441},{"text":"Do you look at your emails every day and try to read what's there, or do you have a whole bunch of unread ones like I might?","start":464.79,"end":470.685,"sentiment":"neutral","sentiment_score":-0.025002407392969838},{"text":"No.","start":480.36002,"end":480.68,"sentiment":"neutral","sentiment_score":-0.2931738495826721},{"text":"You're good.","start":480.68,"end":481.08002,"sentiment":"neutral","sentiment_score":-0.25960632413625717},{"text":"I'm really good with my work emails, but my personal ones, they're a shocker.","start":481.08002,"end":484.62,"sentiment":"neutral","sentiment_score":-0.3058478385210037}],"sentiment":"neutral","sentiment_score":-0.11782446955429747,"num_words":47,"start":464.15002,"end":484.62},{"sentences":[{"text":"It's horrible.","start":484.68,"end":485.42,"sentiment":"negative","sentiment_score":-0.5311333537101746},{"text":"Perfect.","start":491.72,"end":492.22,"sentiment":"neutral","sentiment_score":0.23960915207862857},{"text":"So when you click, you'll see a top button that says sign or a click to sign.","start":492.79498,"end":498.335,"sentiment":"neutral","sentiment_score":0.07823053966550265},{"text":"If you just click on that box, it lets you go forward so you can see the document.","start":498.395,"end":502.095,"sentiment":"neutral","sentiment_score":0.10748396151595646},{"text":"And on the front page, it should say statement of advice with your name as of the 08/06/2026.","start":502.315,"end":507.99,"sentiment":"neutral","sentiment_score":0.023888399721019797}],"sentiment":"neutral","sentiment_score":0.05128507359352495,"num_words":56,"start":484.68,"end":507.99},{"sentences":[{"text":"Yeah.","start":521.89,"end":522.21,"sentiment":"neutral","sentiment_score":-0.008946355432271957},{"text":"You're right.","start":522.21,"end":522.885,"sentiment":"neutral","sentiment_score":0.026164005510509014},{"text":"That's okay.","start":522.885,"end":529.48254,"sentiment":"neutral","sentiment_score":0.13404351472854614},{"text":"No.","start":545.8,"end":546.3,"sentiment":"neutral","sentiment_score":-0.29613107442855835},{"text":"Yeah.","start":581.89496,"end":582.39496,"sentiment":"neutral","sentiment_score":-0.061450064182281494}],"sentiment":"neutral","sentiment_score":-0.006587493366428784,"num_words":7,"start":521.89,"end":582.39496},{"sentences":[{"text":"Nothing else.","start":585.095,"end":585.815,"sentiment":"neutral","sentiment_score":-0.17022478580474854},{"text":"That's really bizarre.","start":585.815,"end":587.035,"sentiment":"negative","sentiment_score":-0.4689509669939677},{"text":"It's I definitely sent it.","start":588.67,"end":590.03,"sentiment":"neutral","sentiment_score":-0.004104679077863693},{"text":"The link's definitely come through.","start":590.03,"end":591.39,"sentiment":"neutral","sentiment_score":-0.01929679587483406},{"text":"It's just not moving forward.","start":591.39,"end":593.17,"sentiment":"negative","sentiment_score":-0.3735220551490784}],"sentiment":"neutral","sentiment_score":-0.18659600615501404,"num_words":20,"start":585.095,"end":593.17},{"sentences":[{"text":"I might it might just need some time.","start":594.83,"end":596.75,"sentiment":"neutral","sentiment_score":-0.23719297535717487},{"text":"It what I can do is I'll go through the recommendations.","start":596.75,"end":598.93,"sentiment":"neutral","sentiment_score":0.03547659313136881},{"text":"If it doesn't open up properly in the next maybe day, let me know by Monday.","start":600.255,"end":605.375,"sentiment":"neutral","sentiment_score":-0.09074404393322766},{"text":"I'm not in the office tomorrow, but I'll double check on Monday, and I'll get my colleague, Samantha, just to maybe touch base or send you an email or even just a text to see if it was able to open.","start":605.375,"end":614.435,"sentiment":"neutral","sentiment_score":0.005600996360909648},{"text":"If it's not, we'll try and resend it through another way for you because we also use Adobe Sign.","start":614.7,"end":619.60004,"sentiment":"neutral","sentiment_score":0.09483899725110907}],"sentiment":"neutral","sentiment_score":-0.009764465081848596,"num_words":95,"start":594.83,"end":619.60004},{"sentences":[{"text":"It's just that Odesa sign is generally easier to use.","start":620.06,"end":622.7,"sentiment":"neutral","sentiment_score":0.20798144340515137},{"text":"So if it doesn't open, I can easily organize it to go through another way there for you.","start":622.7,"end":627.66003,"sentiment":"neutral","sentiment_score":0.10053109129269917},{"text":"Okay?","start":627.66003,"end":628.16003,"sentiment":"neutral","sentiment_score":0.035114336758852005},{"text":"I'll try to not I'll try to not confuse this for you and make it as easy as possible.","start":629.09503,"end":633.835,"sentiment":"neutral","sentiment_score":0.17551144094843613},{"text":"We've already gone through the salary sacrifice recommendations.","start":634.85504,"end":637.435,"sentiment":"neutral","sentiment_score":0.13244115747511387}],"sentiment":"neutral","sentiment_score":0.14854884021250264,"num_words":56,"start":620.06,"end":637.435},{"sentences":[{"text":"So you're welcome to sort of have a look at your expenditure and work out whether it's worthwhile or whether you're able to do that or not.","start":637.655,"end":643.35504,"sentiment":"neutral","sentiment_score":0.1712170218427976},{"text":"But the other thing I did look at was making sure your superannuation is working harder for you.","start":644.01,"end":648.41003,"sentiment":"neutral","sentiment_score":0.024769485824637942},{"text":"So you were in one of the older portfolios.","start":648.41003,"end":650.27,"sentiment":"neutral","sentiment_score":-0.007054438193639119},{"text":"We have over recent months removed the ban along Australian equities out of that because it was under performing as an investment, which has been good so far for you.","start":651.21,"end":659.565,"sentiment":"neutral","sentiment_score":0.1430700935423374},{"text":"But I wanted to sort of make some other changes as well.","start":659.86505,"end":662.685,"sentiment":"neutral","sentiment_score":0.1403550673276186}],"sentiment":"neutral","sentiment_score":0.11439150005268554,"num_words":96,"start":637.655,"end":662.685},{"sentences":[{"text":"So, essentially, I want to review the super fund that you're in as well as the investments.","start":662.825,"end":667.005,"sentiment":"neutral","sentiment_score":0.153732526828261},{"text":"I am recommending you do stay with Netwealth.","start":667.30505,"end":669.565,"sentiment":"neutral","sentiment_score":0.21344302967190742},{"text":"I did look at other funds out there.","start":669.81,"end":671.49,"sentiment":"neutral","sentiment_score":0.0061014615930616856},{"text":"And while there are other platforms that might be cheaper, the biggest thing to think about when we're changing platforms is the taxation side of things.","start":671.49,"end":678.85,"sentiment":"neutral","sentiment_score":-0.10540477286737698},{"text":"So your super fund, just like you, every year, it does a tax return.","start":678.85,"end":682.52997,"sentiment":"neutral","sentiment_score":0.0018919192786727623}],"sentiment":"neutral","sentiment_score":0.022681803582874062,"num_words":73,"start":662.825,"end":682.52997},{"sentences":[{"text":"It pays income and capital gains tax.","start":682.52997,"end":685.02997,"sentiment":"neutral","sentiment_score":-0.05707429775169918},{"text":"And if we were to sell down the total portfolio all the way to cash the movie to another platform, there's a much higher capital gains consequence for doing so.","start":685.545,"end":694.265,"sentiment":"neutral","sentiment_score":-0.2672830944259961},{"text":"So we wanted to limit that where possible and just make sure that, you know, we are able to keep things working harder for you and have as little a tax impact on your funds.","start":694.265,"end":705.0,"sentiment":"neutral","sentiment_score":0.09636664986610413},{"text":"In order to settle down to move to another another platform, the total capital gains impact would have been about $5,336.","start":705.38,"end":713.78,"sentiment":"neutral","sentiment_score":-0.13400271428482874},{"text":"So it doesn't sound like much, but when when that comes off your super balance, it can take a bit longer for that to recover and to for it to make that money back.","start":713.78,"end":723.275,"sentiment":"neutral","sentiment_score":-0.3197300236891298}],"sentiment":"neutral","sentiment_score":-0.1474807714735429,"num_words":127,"start":682.52997,"end":723.275},{"sentences":[{"text":"So I'm recommending you stay with Netwealth for the time being.","start":723.275,"end":726.715,"sentiment":"positive","sentiment_score":0.337509233165871},{"text":"We'll keep reviewing that down the track.","start":726.715,"end":728.815,"sentiment":"neutral","sentiment_score":0.31859733377184185},{"text":"Another way we can, when you kinda hit those retirement years and you actually start working, there are ways that I can look to maybe change the platform and alter things without any capital gains consequences for you.","start":729.32996,"end":741.25,"sentiment":"neutral","sentiment_score":0.28131000795646716},{"text":"So when you get to those times, we'll definitely have a look at what else we can do, and I can provide additional advice there to help maybe change the platform, reduce admin fees, and things like that there for you without those tax consequences.","start":741.25,"end":754.185,"sentiment":"neutral","sentiment_score":0.2919569671154022},{"text":"Okay?","start":754.565,"end":755.065,"sentiment":"neutral","sentiment_score":0.13832421600818634}],"sentiment":"neutral","sentiment_score":0.2932250092134756,"num_words":102,"start":723.275,"end":755.065},{"sentences":[{"text":"So what we're looking at within the portfolio there is I did wanna do a bit of a rebalance and did switch some of the investments around.","start":756.75,"end":763.33,"sentiment":"neutral","sentiment_score":0.09506376073868186},{"text":"So, essentially, at the moment, we replaced the Benelon Australian Equities and put the beta shares a 200 in there for you.","start":763.47003,"end":770.355,"sentiment":"neutral","sentiment_score":0.08427071402018721},{"text":"The beta shares a 200 investment is a more passive investment.","start":770.995,"end":775.01495,"sentiment":"neutral","sentiment_score":0.09035155752843077},{"text":"It tracks the top 200 companies on the ASX.","start":775.15497,"end":777.975,"sentiment":"neutral","sentiment_score":0.12245245277881622},{"text":"Your older investment, the Benelon Australian Equities, that was an actively managed fund.","start":778.595,"end":782.995,"sentiment":"neutral","sentiment_score":0.04351032568285099}],"sentiment":"neutral","sentiment_score":0.08636891085472775,"num_words":82,"start":756.75,"end":782.995},{"sentences":[{"text":"So the investment manager was trying to outperform against the market.","start":782.995,"end":786.54,"sentiment":"neutral","sentiment_score":0.10278724167834628},{"text":"Couldn't always do that.","start":786.83997,"end":788.04,"sentiment":"neutral","sentiment_score":-0.20752644166350365},{"text":"Active managers quite often don't beat the market, and this one has underperformed pretty heavily, has been a bit up and down since early twenty twenty with our COVID.","start":788.04,"end":797.48,"sentiment":"neutral","sentiment_score":-0.2911340147256851},{"text":"So we decided this year it was worth getting rid of it.","start":797.48,"end":800.76495,"sentiment":"neutral","sentiment_score":-0.3245866832633813},{"text":"So we removed it out of everyone's portfolio originally.","start":800.76495,"end":803.505,"sentiment":"neutral","sentiment_score":-0.21921040034956402}],"sentiment":"neutral","sentiment_score":-0.21554255903913425,"num_words":65,"start":782.995,"end":803.505},{"sentences":[{"text":"You should have received the record of advice probably back in March letting you know that we were making that change for you.","start":803.885,"end":809.58496,"sentiment":"neutral","sentiment_score":-0.0037967304739615192},{"text":"Yeah.","start":810.365,"end":810.865,"sentiment":"neutral","sentiment_score":0.19478636980056763},{"text":"Oh, good.","start":810.925,"end":811.985,"sentiment":"positive","sentiment_score":0.4600869119167328},{"text":"So we did that switch, and it has been working much better for you.","start":812.1,"end":815.56,"sentiment":"positive","sentiment_score":0.5740759159837451},{"text":"Bental Long Australian Equities also only held generally between 15 to 25 different investments within that that fund there.","start":815.77997,"end":823.24,"sentiment":"neutral","sentiment_score":0.07459219937261782}],"sentiment":"neutral","sentiment_score":0.17766016956923877,"num_words":59,"start":803.885,"end":823.24},{"sentences":[{"text":"The a 200 actually is tracking 200 of the top Australian companies.","start":823.62,"end":828.115,"sentiment":"neutral","sentiment_score":0.2855091281235218},{"text":"So it's actually giving you more diversification.","start":828.115,"end":830.055,"sentiment":"positive","sentiment_score":0.461818984576634},{"text":"It's a cheaper investment, and it's a passive investment, so it's lower risk as well.","start":830.755,"end":835.735,"sentiment":"positive","sentiment_score":0.42277709444363915},{"text":"So we wanna keep that in there.","start":836.355,"end":837.875,"sentiment":"neutral","sentiment_score":0.21069267392158508},{"text":"At the moment, you've got about 37.62.","start":837.875,"end":840.98,"sentiment":"neutral","sentiment_score":0.004680728107424719}],"sentiment":"neutral","sentiment_score":0.30225234709117405,"num_words":48,"start":823.62,"end":840.98},{"sentences":[{"text":"You're a bit overexposed in Australian equity, so I wanna bring your exposure down a little bit, that's 25% maximum.","start":840.98,"end":848.2,"sentiment":"neutral","sentiment_score":-0.10529882833361626},{"text":"So we're gonna sell a little bit of the a 200 and just bring you back down a little bit to 25% total there.","start":848.26,"end":855.015,"sentiment":"neutral","sentiment_score":0.0191469246832033},{"text":"Okay?","start":855.175,"end":855.675,"sentiment":"neutral","sentiment_score":0.003057388588786125},{"text":"You've also got the cybersecurity, a global cybersecurity, which is giving you access to cybersecurity across the entire globe.","start":857.09503,"end":864.875,"sentiment":"neutral","sentiment_score":0.08862930987226336},{"text":"Essentially, you've got about 7.33% there.","start":865.495,"end":868.13,"sentiment":"neutral","sentiment_score":0.017724841522673767}],"sentiment":"neutral","sentiment_score":0.0020987564431769507,"num_words":70,"start":840.98,"end":868.13},{"sentences":[{"text":"At the moment, we only wanna hold about 6%.","start":868.13,"end":870.69,"sentiment":"neutral","sentiment_score":-0.0004072963363594479},{"text":"So we're just gonna rebalance your portfolio back a little bit, sell some of that, and bring you back to 6%.","start":870.69,"end":876.71,"sentiment":"neutral","sentiment_score":0.0790836608835629},{"text":"Physical gold is done really, really well.","start":877.49005,"end":880.05005,"sentiment":"positive","sentiment_score":0.36999120456831797},{"text":"At the moment, you've got about 3% physical gold in your portfolio.","start":880.05005,"end":883.585,"sentiment":"neutral","sentiment_score":0.23565824081500372},{"text":"We wanna increase that exposure till about 7%, so we're gonna buy some more of that investment for you.","start":883.585,"end":889.685,"sentiment":"neutral","sentiment_score":0.32366491069919184}],"sentiment":"neutral","sentiment_score":0.19447885053780148,"num_words":68,"start":868.13,"end":889.685},{"sentences":[{"text":"You've also got some European ETFs, so access to the all 16 European countries there.","start":890.78503,"end":896.81,"sentiment":"neutral","sentiment_score":0.12001164307196935},{"text":"We wanna hold about 9%.","start":896.81,"end":898.41,"sentiment":"neutral","sentiment_score":0.11452138870954513},{"text":"Your portfolio is showing currently only about 6.68%.","start":898.41,"end":902.08997,"sentiment":"neutral","sentiment_score":0.04817626532167196},{"text":"So we're gonna reweight and buy some more of that European exposure.","start":902.08997,"end":905.55,"sentiment":"neutral","sentiment_score":0.07320032392938931},{"text":"You've also got or did have the MISCE European exposure.","start":906.41,"end":910.665,"sentiment":"neutral","sentiment_score":0.06514980345964431}],"sentiment":"neutral","sentiment_score":0.08576187267899513,"num_words":50,"start":890.78503,"end":910.665},{"sentences":[{"text":"We don't wanna double up and have two of them, and the MISCE is actually a little bit more expensive as an investment.","start":910.665,"end":916.365,"sentiment":"neutral","sentiment_score":-0.08900854785157286},{"text":"So we're gonna sell that one completely down to zero and just have it in the iShares Europe ETF to make it cost effective, but still give you access and exposure to the European companies and and markets.","start":916.505,"end":928.66,"sentiment":"neutral","sentiment_score":0.23255001126151337},{"text":"We've also currently got the MISCI Japanese ETF.","start":929.76,"end":932.8,"sentiment":"neutral","sentiment_score":0.25465388782322407},{"text":"It's giving you exposure to the Japan market.","start":932.8,"end":935.46,"sentiment":"positive","sentiment_score":0.3735455870628357},{"text":"It's still a great place to be.","start":935.52,"end":937.22,"sentiment":"positive","sentiment_score":0.7001693844795227}],"sentiment":"neutral","sentiment_score":0.1990057775928151,"num_words":84,"start":910.665,"end":937.22},{"sentences":[{"text":"The MISCI can be a little bit more expensive than other ones, but this one has been performing really nicely, so I wanted to keep that for you just to limit the amount of tax your super fund has to pay by me swapping around investments for you.","start":937.6,"end":949.58496,"sentiment":"neutral","sentiment_score":0.18935116760743162},{"text":"You have a little over 5% exposure at the moment.","start":950.20496,"end":953.74,"sentiment":"neutral","sentiment_score":0.006657917425036431},{"text":"We only wanna hold 5%, so we're selling just a small percent of that off.","start":953.74,"end":957.58,"sentiment":"neutral","sentiment_score":0.027962370589375497},{"text":"It's about 0.4% to be sold off.","start":957.58,"end":960.38,"sentiment":"neutral","sentiment_score":0.0036540173459798098},{"text":"It's equates about a $160 to sell down that and rebalance you there.","start":960.38,"end":965.36,"sentiment":"neutral","sentiment_score":0.025095762684941292}],"sentiment":"neutral","sentiment_score":0.10673864316746032,"num_words":93,"start":937.6,"end":965.36},{"sentences":[{"text":"You've also got the S and P 500.","start":966.065,"end":968.805,"sentiment":"neutral","sentiment_score":0.07870989199727774},{"text":"This is tracking the top 500 companies across the American asset as of the American market.","start":969.505,"end":975.365,"sentiment":"neutral","sentiment_score":0.08633636776357889},{"text":"You hold about 30% there at the moment.","start":976.225,"end":978.645,"sentiment":"neutral","sentiment_score":0.006233693333342671},{"text":"30.02%.","start":978.89996,"end":980.74,"sentiment":"neutral","sentiment_score":0.018537644296884537},{"text":"We wanna hold about 35% of this investment, so we need to buy a little bit to rebalance you up a little bit there.","start":980.74,"end":987.39996,"sentiment":"neutral","sentiment_score":0.06414838399117191}],"sentiment":"neutral","sentiment_score":0.06349174433240765,"num_words":57,"start":966.065,"end":987.39996},{"sentences":[{"text":"And then we've also got an inclusion of the All World Vanguard ex US investment.","start":987.94,"end":994.015,"sentiment":"neutral","sentiment_score":0.11855731258789698},{"text":"This is tracking essentially the entire globe.","start":994.23505,"end":997.455,"sentiment":"neutral","sentiment_score":0.11068986888442721},{"text":"One of the biggest things we wanna look at and what I wanted to look at with you, Steve, was making sure that we can reduce as much risk as possible.","start":997.755,"end":1004.23505,"sentiment":"neutral","sentiment_score":0.18195219025496515},{"text":"We can't reduce a 100% of all the risks that have been invested, but having diversification helps to reduce market risk.","start":1004.23505,"end":1011.49,"sentiment":"neutral","sentiment_score":0.18750891302313125},{"text":"And being diversified across the globe, it gives you access to exposure to all the markets, all the established markets, but also any up and coming markets as well.","start":1011.49,"end":1022.275,"sentiment":"neutral","sentiment_score":0.2820734728513093}],"sentiment":"neutral","sentiment_score":0.19719926752511738,"num_words":103,"start":987.94,"end":1022.275},{"sentences":[{"text":"So the Vanguard All World ex US investment, which we're gonna include about 8% in your portfolio, helps to diversify you across the entire globe there.","start":1022.275,"end":1031.655,"sentiment":"neutral","sentiment_score":0.3281775572552131},{"text":"It is ex US.","start":1032.035,"end":1033.3151,"sentiment":"neutral","sentiment_score":0.11782198585569859},{"text":"It doesn't hold any of The US market, and that's because we have 35% iShares f and c 500.","start":1033.3151,"end":1039.87,"sentiment":"neutral","sentiment_score":0.08887007121780985},{"text":"So we don't wanna overexpose you.","start":1040.01,"end":1041.61,"sentiment":"neutral","sentiment_score":-0.09351057683428128},{"text":"We think 35% is enough for The US to hold anymore.","start":1041.61,"end":1044.57,"sentiment":"neutral","sentiment_score":0.02448564361442219}],"sentiment":"neutral","sentiment_score":0.15758658187802543,"num_words":66,"start":1022.275,"end":1044.57},{"sentences":[{"text":"We're just doubling up on things.","start":1044.57,"end":1046.27,"sentiment":"neutral","sentiment_score":0.11666201210270326},{"text":"And then you're yeah.","start":1048.17,"end":1049.85,"sentiment":"neutral","sentiment_score":0.23849215358495712},{"text":"And then you're in that high growth environment.","start":1049.85,"end":1051.87,"sentiment":"neutral","sentiment_score":0.20154396258294582},{"text":"So, generally, that feeds about 90% in those growth investments and then around about five to 10% in low risk defensive investments like bonds and fixed interest.","start":1052.565,"end":1062.2649,"sentiment":"neutral","sentiment_score":0.24207325334902163},{"text":"We still wanna hold some bonds.","start":1062.485,"end":1064.2649,"sentiment":"neutral","sentiment_score":0.17192039638757706}],"sentiment":"neutral","sentiment_score":0.21242730600722864,"num_words":51,"start":1044.57,"end":1064.2649},{"sentences":[{"text":"We're holding core composite bonds.","start":1064.4049,"end":1066.4249,"sentiment":"neutral","sentiment_score":0.2455742597579956},{"text":"And at the moment, you don't really have any in there, so we're gonna add about 5% in there for you to give you some more defensive investments, and that's just making sure you do have some low risk cash producing bonds are really great.","start":1066.77,"end":1078.53,"sentiment":"positive","sentiment_score":0.3608354611529244},{"text":"Their income, they pay out regular income payments that get paid into your cash account and reinvested back into your portfolio as well for compounding.","start":1078.53,"end":1086.485,"sentiment":"positive","sentiment_score":0.45879735469818117},{"text":"So we're gonna include about 5% of that in your portfolio.","start":1086.705,"end":1090.085,"sentiment":"positive","sentiment_score":0.3607669879089702},{"text":"All in all, this portfolio kind of rebalances things a little bit, so it's really important to make sure we do do rebalances pretty you know, not as much of every year, but as often as needed.","start":1090.785,"end":1102.5499,"sentiment":"neutral","sentiment_score":0.1293244803878101}],"sentiment":"neutral","sentiment_score":0.30641336227214433,"num_words":123,"start":1064.4049,"end":1102.5499},{"sentences":[{"text":"Essentially, you're rebalancing back to where you should be or what a certain equity should be at or is expected to be at.","start":1103.49,"end":1111.6749,"sentiment":"neutral","sentiment_score":0.024564752517187077},{"text":"Over time, some investments grow faster or slower than others, which can overall change the risk of your portfolio.","start":1111.975,"end":1118.155,"sentiment":"neutral","sentiment_score":-0.12471832021286614},{"text":"So rebalancing means selling a little of something or buying a little bit of something else to kind of bring you back to a certain weighting and to keep your risk level at a certain rate as well.","start":1118.775,"end":1128.85,"sentiment":"neutral","sentiment_score":0.14689851405197069},{"text":"So that's what we're sort of wanting to do with this portfolio, but I I included a few additional investments there to make sure we're giving you as much diversification as possible.","start":1128.85,"end":1138.715,"sentiment":"neutral","sentiment_score":0.2542741196230054},{"text":"I think one of the things moving forward over the next nine to ten years as you get close to accessing so far is making sure we can diversify and reduce as much risk as possible.","start":1138.715,"end":1148.095,"sentiment":"neutral","sentiment_score":0.3044683010213905}],"sentiment":"neutral","sentiment_score":0.15456159069278352,"num_words":148,"start":1103.49,"end":1148.095},{"sentences":[{"text":"You're about nine years out at the moment.","start":1148.75,"end":1151.5701,"sentiment":"neutral","sentiment_score":0.01697658048942685},{"text":"I would want to, in the next couple of years as well, start to reduce you back out of that high growth environment just because at the moment, you're okay.","start":1151.9501,"end":1159.65,"sentiment":"neutral","sentiment_score":-0.02016071490943432},{"text":"The high growth environment suits someone who's about eight years away from accessing their money.","start":1160.1101,"end":1164.635,"sentiment":"neutral","sentiment_score":-0.15436406036218006},{"text":"When you get closer and closer to especially with the kind of volatility we have seen this year, you do risk then if you stay in that high growth environment, risking accessing your funds at a downtime or seeing a large dip that could affect you trying to access your money, meaning you might cement those losses a bit more.","start":1164.775,"end":1182.3099,"sentiment":"neutral","sentiment_score":-0.2951170465598504},{"text":"So as we get closer, I definitely wanna maybe talk about reducing your risk level.","start":1182.3099,"end":1187.35,"sentiment":"neutral","sentiment_score":0.09483330547809601}],"sentiment":"neutral","sentiment_score":-0.14897650718921795,"num_words":128,"start":1148.75,"end":1187.35},{"sentences":[{"text":"But for the next twelve months, we're okay to sort of stay where we are and just look at trying to obtain as money as much in the way of gains as possible moving forward.","start":1187.35,"end":1195.265,"sentiment":"neutral","sentiment_score":0.20116497086627141},{"text":"Does that make sense?","start":1195.265,"end":1196.065,"sentiment":"neutral","sentiment_score":0.15738710574805737},{"text":"And do you have any questions?","start":1196.065,"end":1197.365,"sentiment":"neutral","sentiment_score":0.03271135501563549},{"text":"That feels good?","start":1200.385,"end":1201.365,"sentiment":"neutral","sentiment_score":0.103380486369133},{"text":"Fantastic.","start":1202.385,"end":1202.885,"sentiment":"positive","sentiment_score":0.5672724843025208}],"sentiment":"neutral","sentiment_score":0.1784490709554176,"num_words":49,"start":1187.35,"end":1202.885},{"sentences":[{"text":"All good.","start":1203.905,"end":1204.645,"sentiment":"positive","sentiment_score":0.4844330847263336},{"text":"With your cash account at the moment, you've got about 4.80% there.","start":1204.89,"end":1208.65,"sentiment":"neutral","sentiment_score":0.21453983585039774},{"text":"So it's equates to about $8,000.","start":1208.65,"end":1210.91,"sentiment":"neutral","sentiment_score":0.17085929463307062},{"text":"In your super fund, you don't wanna hold much in the way of cash.","start":1211.29,"end":1214.09,"sentiment":"neutral","sentiment_score":0.004948051912443979},{"text":"You wanna have as much money as possible invested in the portfolio.","start":1214.09,"end":1217.47,"sentiment":"neutral","sentiment_score":0.13243486794332662}],"sentiment":"neutral","sentiment_score":0.13536937194673912,"num_words":46,"start":1203.905,"end":1217.47},{"sentences":[{"text":"So I'm gonna take about $6,800 there and invest that into the above portfolio for you.","start":1218.255,"end":1224.095,"sentiment":"neutral","sentiment_score":0.1490849698893726},{"text":"We only wanna hold about 1%, essentially.","start":1224.095,"end":1226.5751,"sentiment":"neutral","sentiment_score":0.04249681532382965},{"text":"Keeping money in your cash account doesn't get you returns.","start":1226.5751,"end":1229.395,"sentiment":"neutral","sentiment_score":-0.08405860513448715},{"text":"It actually costs you money to have it that you don't get much in the way of the cash rate.","start":1229.615,"end":1233.375,"sentiment":"neutral","sentiment_score":-0.17469956688582897},{"text":"So I wanna make sure we invest as much of that as possible and just hold the minimum cash requirement.","start":1233.375,"end":1239.1901,"sentiment":"neutral","sentiment_score":0.32300297934561967}],"sentiment":"neutral","sentiment_score":0.06586738936092755,"num_words":73,"start":1218.255,"end":1239.1901},{"sentences":[{"text":"Okay?","start":1239.65,"end":1240.15,"sentiment":"neutral","sentiment_score":0.1696273535490036},{"text":"Excellent.","start":1241.7301,"end":1242.2301,"sentiment":"positive","sentiment_score":0.7538673281669617},{"text":"Now the kind of the main reason we're sort of looking at doing is is when I went back and did the research, when you are looking at the document, page 21 has your fee comparison table.","start":1242.6901,"end":1251.885,"sentiment":"neutral","sentiment_score":0.17309736480584015},{"text":"So at the moment, your super balance is about 180,317.","start":1252.425,"end":1257.7251,"sentiment":"neutral","sentiment_score":0.13137561231851577},{"text":"Inside your super fund, you do have administration fees, investment fees.","start":1258.265,"end":1262.025,"sentiment":"neutral","sentiment_score":0.14051246101206}],"sentiment":"neutral","sentiment_score":0.16979150623083114,"num_words":60,"start":1239.65,"end":1262.025},{"sentences":[{"text":"Our ongoing service fee for us looking after things, which is 1.65 per annum, deducted in smaller monthly increments there for you, your contributions going in, and you've also got your insurance premiums coming out of this Visa Fund as well.","start":1262.025,"end":1275.1699,"sentiment":"neutral","sentiment_score":0.23654868181158856},{"text":"When we looked at the the older high growth portfolio and the way you were invested, invested over the past five years, those investments have averaged about 11.56%, which is great.","start":1275.5499,"end":1287.0951,"sentiment":"neutral","sentiment_score":0.32552047314182403},{"text":"It's a good return to average over that time frame.","start":1287.0951,"end":1289.755,"sentiment":"positive","sentiment_score":0.6237506091594696},{"text":"But when we kind of look at the history of the newer investment portfolio, which is giving you more diversification, it's actually averaged to that 12.22%.","start":1289.9751,"end":1298.43,"sentiment":"neutral","sentiment_score":0.09429742009020768},{"text":"So it has achieved a much higher rate of return over the past five years on an average, which means if it can get that same sort of return moving forward each year over the next five to nine years, you could end up with about 340,000 or over the age of 60 in about nine years' time, around about 530,000 there.","start":1298.43,"end":1317.825,"sentiment":"neutral","sentiment_score":0.30705922962196414}],"sentiment":"neutral","sentiment_score":0.27950906983631496,"num_words":170,"start":1262.025,"end":1317.825},{"sentences":[{"text":"So it does depend upon how much it reacts, and I always suggest take the projections as a grain of salt because it's basically saying this is how the portfolio has returned.","start":1317.825,"end":1328.2799,"sentiment":"neutral","sentiment_score":-0.032538332510739565},{"text":"If you're able to achieve the same level of return moving forward, this is where you can see yourself.","start":1328.34,"end":1333.7999,"sentiment":"neutral","sentiment_score":0.24163005383391128},{"text":"But there's also no guarantees, and I don't want you to be in a high growth portfolio right up until the day you retire.","start":1334.34,"end":1340.12,"sentiment":"negative","sentiment_score":-0.37740270607173443},{"text":"So we will start to pull things back a little bit, which can affect the projected outcome.","start":1340.535,"end":1344.795,"sentiment":"neutral","sentiment_score":-0.26066146352711844},{"text":"But, honestly, as long as we can get, you know, a good 10 to 12% return, even in a balanced portfolio when we reduce risk back a little bit, even in those with the lower risk portfolios, you can still achieve a 10 or 12 or 15% return on a good year as well.","start":1345.655,"end":1360.3,"sentiment":"positive","sentiment_score":0.5078229255698345}],"sentiment":"neutral","sentiment_score":0.11974844203828132,"num_words":146,"start":1317.825,"end":1360.3},{"sentences":[{"text":"So definitely not saying you can't get to that point.","start":1360.3,"end":1363.5,"sentiment":"neutral","sentiment_score":0.020411992073059083},{"text":"I'm just saying just be careful.","start":1363.5,"end":1364.9401,"sentiment":"neutral","sentiment_score":-0.07088825525715947},{"text":"It's not a guaranteed return.","start":1364.9401,"end":1366.4801,"sentiment":"neutral","sentiment_score":-0.19419034719467163},{"text":"It's just projected based on the current circumstances, and markets do change.","start":1366.54,"end":1370.915,"sentiment":"neutral","sentiment_score":-0.07007783651351929},{"text":"I think this year taught us all that.","start":1370.915,"end":1372.995,"sentiment":"neutral","sentiment_score":0.00502392090857029}],"sentiment":"neutral","sentiment_score":-0.04860741506535106,"num_words":41,"start":1360.3,"end":1372.995},{"sentences":[{"text":"Anyone who wasn't aware could see markets going up and down, and I had a lot of very difficult conversations with people this year about how they were feeling in those high growth environment.","start":1372.995,"end":1383.3351,"sentiment":"neutral","sentiment_score":-0.1895730208386393},{"text":"So it's just something I like to make sure I'm very open and honest with.","start":1384.47,"end":1387.83,"sentiment":"neutral","sentiment_score":-0.040612718711296715},{"text":"Yeah.","start":1387.83,"end":1388.33,"sentiment":"neutral","sentiment_score":0.030151288956403732},{"text":"Excellent.","start":1390.87,"end":1391.37,"sentiment":"positive","sentiment_score":0.5667270421981812},{"text":"One of the things I kinda mentioned before with the changes I wanna make to your portfolio is that it does save you in fees.","start":1392.15,"end":1397.745,"sentiment":"positive","sentiment_score":0.4027901744842529}],"sentiment":"neutral","sentiment_score":0.04752577900102264,"num_words":76,"start":1372.995,"end":1397.745},{"sentences":[{"text":"So it is a lower fee.","start":1397.745,"end":1399.765,"sentiment":"positive","sentiment_score":0.4226370354493459},{"text":"It's actually a cheaper portfolio.","start":1399.825,"end":1401.525,"sentiment":"positive","sentiment_score":0.40972939133644104},{"text":"When we look at your investment fees, your older portfolio, you're paying about $444 in investment fees there.","start":1401.985,"end":1408.945,"sentiment":"neutral","sentiment_score":0.26137495206462014},{"text":"This newer portfolio reduced those fees to about $327.","start":1408.945,"end":1413.9601,"sentiment":"neutral","sentiment_score":0.28535887433422935},{"text":"So you're actually saving about a $117 in investment fees there.","start":1413.9601,"end":1418.04,"sentiment":"positive","sentiment_score":0.43170498446984723}],"sentiment":"positive","sentiment_score":0.3389021021370985,"num_words":49,"start":1397.745,"end":1418.04},{"sentences":[{"text":"Doesn't sound like a lot, but when you contact that over the next sort of five to ten years and have that money invested, if it's earning a 12% return, it can essentially grow to a much greater return for you.","start":1418.04,"end":1429.385,"sentiment":"positive","sentiment_score":0.3682930164220857},{"text":"So any kind of fee savings, I mean, that's more money invested for you long term.","start":1429.385,"end":1433.885,"sentiment":"neutral","sentiment_score":0.20977526903152466},{"text":"Yeah.","start":1434.025,"end":1434.525,"sentiment":"neutral","sentiment_score":0.12001238763332368},{"text":"Yeah.","start":1435.9451,"end":1436.4451,"sentiment":"neutral","sentiment_score":0.0804952085018158},{"text":"The other thing I looked at was the capital gains consequences.","start":1436.8251,"end":1439.72,"sentiment":"neutral","sentiment_score":0.046233302828940476}],"sentiment":"neutral","sentiment_score":0.2737927415009056,"num_words":70,"start":1418.04,"end":1439.72},{"sentences":[{"text":"As I kinda mentioned before, a full sell down meant that you would have a CGT bill inside super, not for you personally, but the CGT accounted for inside super was a bit over $5 there.","start":1439.78,"end":1450.9,"sentiment":"neutral","sentiment_score":0.05097192210248775},{"text":"By making these changes that I've gone through now, the CGT your super fund would have to account for is $686.","start":1450.9,"end":1458.045,"sentiment":"neutral","sentiment_score":0.08611708223110154},{"text":"So I was able to minimize that CGT massively, noting that your fund will only have to account for $686 in CGT to make those changes and rebalance your portfolio out for you as well.","start":1458.045,"end":1469.71,"sentiment":"positive","sentiment_score":0.561790360723223},{"text":"Okay.","start":1469.71,"end":1470.21,"sentiment":"neutral","sentiment_score":0.13731494545936584},{"text":"Do you have any questions at the moment?","start":1471.71,"end":1473.41,"sentiment":"neutral","sentiment_score":0.05928079877048731}],"sentiment":"neutral","sentiment_score":0.2368086325096907,"num_words":101,"start":1439.78,"end":1473.41},{"sentences":[{"text":"Did you wanna ask me anything at all?","start":1473.63,"end":1475.23,"sentiment":"neutral","sentiment_score":0.026645412435755134},{"text":"Is it no?","start":1475.23,"end":1478.37,"sentiment":"neutral","sentiment_score":-0.04421359316135446},{"text":"No.","start":1479.39,"end":1479.79,"sentiment":"neutral","sentiment_score":-0.10970618575811386},{"text":"That's okay.","start":1479.79,"end":1480.51,"sentiment":"neutral","sentiment_score":0.06403300911188126},{"text":"You're all good.","start":1480.51,"end":1481.475,"sentiment":"positive","sentiment_score":0.4094165364901225}],"sentiment":"neutral","sentiment_score":0.07806658599635258,"num_words":17,"start":1473.63,"end":1481.475},{"sentences":[{"text":"Obviously, the projection table does include your salary sacrifice as well.","start":1482.195,"end":1486.355,"sentiment":"neutral","sentiment_score":-0.010778319090604782},{"text":"So I did wanna reiterate that I am recommending that we do sell that just to try and get as much as we can in the super now and compound forward, but it just comes down to what you can afford as well, and I understand that.","start":1486.355,"end":1497.99,"sentiment":"neutral","sentiment_score":0.06620123447414408},{"text":"The cost of living has gone exorbitantly high.","start":1498.05,"end":1500.95,"sentiment":"neutral","sentiment_score":-0.2315073199570179},{"text":"So it's all understandable, and you just do what you're comfortable with.","start":1501.49,"end":1506.37,"sentiment":"neutral","sentiment_score":-0.0023199025963549502},{"text":"If you decide you're not comfortable sales that, that's okay.","start":1506.37,"end":1509.795,"sentiment":"neutral","sentiment_score":-0.23031646460294725}],"sentiment":"neutral","sentiment_score":-0.013524608256292677,"num_words":88,"start":1482.195,"end":1509.795},{"sentences":[{"text":"I can work with that.","start":1510.015,"end":1511.055,"sentiment":"neutral","sentiment_score":0.07450232207775116},{"text":"We can kinda look at it again.","start":1511.055,"end":1512.495,"sentiment":"neutral","sentiment_score":0.1366212995988982},{"text":"If you're comfortable starting smaller, I've I've started working with a lot of people trying to get them to to do 10, so it's 20 or $50 on a weekly basis and just start smaller and build it up over time as well just so they can kinda get used to the difference in their income.","start":1512.495,"end":1527.05,"sentiment":"neutral","sentiment_score":0.1570022799340742},{"text":"And that's also you know, can make a bit of a difference for you as well.","start":1527.59,"end":1530.87,"sentiment":"neutral","sentiment_score":0.3193321591243148},{"text":"But I will work with whatever your comfort level is.","start":1530.87,"end":1533.59,"sentiment":"neutral","sentiment_score":0.18834365233778955}],"sentiment":"neutral","sentiment_score":0.1820610580133631,"num_words":94,"start":1510.015,"end":1533.59},{"sentences":[{"text":"It could definitely have changed since our last conversation.","start":1533.59,"end":1536.17,"sentiment":"neutral","sentiment_score":0.1129687594042884},{"text":"Okay.","start":1536.79,"end":1537.29,"sentiment":"neutral","sentiment_score":0.129355788230896},{"text":"All good.","start":1538.645,"end":1539.3049,"sentiment":"positive","sentiment_score":0.470194935798645},{"text":"There's no new recommendation for the insurance side of things now.","start":1540.085,"end":1543.125,"sentiment":"neutral","sentiment_score":0.09551070427352731},{"text":"We are just retaining your current insurance level, your current premium paid out of through today.","start":1543.125,"end":1548.1649,"sentiment":"neutral","sentiment_score":0.24289305601269007}],"sentiment":"neutral","sentiment_score":0.180086439427657,"num_words":39,"start":1533.59,"end":1548.1649},{"sentences":[{"text":"You've got your licensed CBD policy with me.","start":1548.1649,"end":1550.985,"sentiment":"neutral","sentiment_score":0.2280229777097702},{"text":"The current sum insured for your life is 623,432.","start":1551.14,"end":1555.9401,"sentiment":"neutral","sentiment_score":0.1630595458878411},{"text":"You've got the same level of TDD then.","start":1555.9401,"end":1558.28,"sentiment":"neutral","sentiment_score":0.12878543697297573},{"text":"I think one of the things we were looking at down the track was reassessing the life and TDD limits to make sure it was meting your goal.","start":1558.66,"end":1565.5951,"sentiment":"neutral","sentiment_score":0.13412997552326747},{"text":"But we were also looking at trying to get you some income protection there, which is hard to be put on hold for the moment.","start":1565.5951,"end":1571.135,"sentiment":"neutral","sentiment_score":-0.005963136404752731}],"sentiment":"neutral","sentiment_score":0.101648258140836,"num_words":78,"start":1548.1649,"end":1571.135},{"sentences":[{"text":"But when there's things settled down a bit for you, let me know.","start":1571.275,"end":1574.3351,"sentiment":"neutral","sentiment_score":0.10810512820115456},{"text":"We can come back and definitely have that conversation and look at what kind of income protection you might be able to get, what that might look for you as well, the cost and everything for you as well.","start":1574.635,"end":1583.7799,"sentiment":"positive","sentiment_score":0.34673251861181015},{"text":"Okay?","start":1583.7799,"end":1584.2799,"sentiment":"neutral","sentiment_score":0.14396724104881287},{"text":"Excellent.","start":1586.0199,"end":1586.5199,"sentiment":"positive","sentiment_score":0.7442041039466858},{"text":"When you do get to look at the documents there, if you just sort of take some time to read it over, I have outlined all the recommendations, the advantages, disadvantages, the risks involved.","start":1587.0599,"end":1595.995,"sentiment":"neutral","sentiment_score":0.30596886597135486}],"sentiment":"neutral","sentiment_score":0.29794372364201327,"num_words":88,"start":1571.275,"end":1595.995},{"sentences":[{"text":"I've gone through some of those with you already, but there's definitely more outlined there, and then also any alternatives that I have considered as part of the advice.","start":1596.5349,"end":1604.715,"sentiment":"neutral","sentiment_score":0.26969881869595624},{"text":"We do also attach the appendices for you, which outlines a lot of the research completed.","start":1605.24,"end":1609.98,"sentiment":"neutral","sentiment_score":0.2510194359347224},{"text":"And depending on how much you like to read and how much downtime you're gonna have after your surgery, I've also got the NEOs and the the PDF documents for your super fund for Netwealth as well.","start":1610.04,"end":1622.0549,"sentiment":"neutral","sentiment_score":0.1506189077689841},{"text":"So you're welcome to run your eyes over those, have a read of the documents.","start":1622.0549,"end":1625.195,"sentiment":"neutral","sentiment_score":0.1613583872715632},{"text":"Not everyone's that keen on reading them, but you've got some time on your end.","start":1626.215,"end":1630.715,"sentiment":"neutral","sentiment_score":-0.07793613318353891}],"sentiment":"neutral","sentiment_score":0.1666233046063488,"num_words":112,"start":1596.5349,"end":1630.715},{"sentences":[{"text":"And then we've also and then you've also got your the Oakview Financial Services guide there for you as well.","start":1631.92,"end":1640.1,"sentiment":"neutral","sentiment_score":0.13556866440922022},{"text":"And because it is time to renew your ongoing service agreement as well, I've attached a new agreement there for the next twelve months just to reconfirm.","start":1640.3201,"end":1647.525,"sentiment":"neutral","sentiment_score":0.13688846953489162},{"text":"So if you're happy to proceed with everything, I'll get you to sign and return the documents, sign the ongoing service agreement back, and we can go forward, do the investment switch for you.","start":1648.305,"end":1657.685,"sentiment":"neutral","sentiment_score":0.25129274892456394},{"text":"And and as I kinda said, on the very last page, if you decide you wanna alter the sales back or not go ahead with it or make any changes, just make a little note in that box there.","start":1657.745,"end":1666.96,"sentiment":"neutral","sentiment_score":0.06970079119006793},{"text":"If you get stuck and forget, you can just let me know, and I can always make a little note in your file with what you wanna change or alter for you as well.","start":1666.96,"end":1674.845,"sentiment":"neutral","sentiment_score":0.061149219489272905}],"sentiment":"neutral","sentiment_score":0.12823843992278947,"num_words":154,"start":1631.92,"end":1674.845},{"sentences":[{"text":"Okay.","start":1674.845,"end":1675.345,"sentiment":"neutral","sentiment_score":0.08143024146556854},{"text":"Easy.","start":1676.2849,"end":1676.7849,"sentiment":"neutral","sentiment_score":0.259809672832489},{"text":"That is that is basically all I wanted to go through with you just to kind of update things.","start":1677.0049,"end":1682.1449,"sentiment":"neutral","sentiment_score":0.1961960212180489},{"text":"I just wanna make sure your super is working harder for you, and if that's what's putting in super every now and then do need to be updated.","start":1682.2849,"end":1688.225,"sentiment":"neutral","sentiment_score":0.10703818992312465},{"text":"So it's well worth making sure that we're keeping you on track and making sure your suit is working as hard as it possibly can.","start":1688.2849,"end":1695.14,"sentiment":"neutral","sentiment_score":0.3235211133956909}],"sentiment":"neutral","sentiment_score":0.20478461446190202,"num_words":74,"start":1674.845,"end":1695.14},{"sentences":[{"text":"You've worked hard for your money, so it should be doing the exact same thing for you at the end of the day.","start":1695.28,"end":1700.18,"sentiment":"neutral","sentiment_score":0.3236764280692391},{"text":"Do you do you have any questions for me at the moment?","start":1701.215,"end":1704.655,"sentiment":"neutral","sentiment_score":0.036308261255423226},{"text":"Is there anything that's kinda come to mind thus far?","start":1704.655,"end":1707.3151,"sentiment":"neutral","sentiment_score":-0.04529549009166658},{"text":"No.","start":1707.615,"end":1708.115,"sentiment":"neutral","sentiment_score":-0.058442793786525726},{"text":"Okay.","start":1711.375,"end":1711.875,"sentiment":"neutral","sentiment_score":0.03029344230890274}],"sentiment":"neutral","sentiment_score":0.1574287814524104,"num_words":47,"start":1695.28,"end":1711.875},{"sentences":[{"text":"Oh, thank you.","start":1716.2101,"end":1717.0901,"sentiment":"neutral","sentiment_score":0.24233327309290567},{"text":"Appreciate that.","start":1717.0901,"end":1718.0701,"sentiment":"neutral","sentiment_score":0.2755514085292816},{"text":"Perfect.","start":1718.8501,"end":1719.3501,"sentiment":"positive","sentiment_score":0.560041069984436},{"text":"Thank you so much.","start":1719.5701,"end":1720.4501,"sentiment":"positive","sentiment_score":0.6661629676818848},{"text":"I really enjoy this.","start":1720.4501,"end":1721.4901,"sentiment":"positive","sentiment_score":0.7582675665616989}],"sentiment":"positive","sentiment_score":0.5382761316640037,"num_words":14,"start":1716.2101,"end":1721.4901},{"sentences":[{"text":"I love the educational part of my job as well as looking and updating the advice.","start":1721.4901,"end":1725.81,"sentiment":"positive","sentiment_score":0.654538631439209},{"text":"I mean, you just I want you to have the best time possible.","start":1725.81,"end":1728.445,"sentiment":"positive","sentiment_score":0.5311177350007571},{"text":"And here at IFU, I do a lot of that retirement advice looking at, you know, tracking over time of what that looks like in in retirement, how do we draw down, do we get counseling, and things like that.","start":1728.445,"end":1739.1649,"sentiment":"neutral","sentiment_score":0.28406025730073453},{"text":"So I definitely wanna make sure I look after you moving forward that you get the best possible retirement because you will have worked a whole lifetime by the time you get there, and then you've got a whole lifetime in retirement as well.","start":1739.1649,"end":1749.7,"sentiment":"positive","sentiment_score":0.3892451138658957},{"text":"So it's gotta you know, it'll be the best gig of your life.","start":1749.7,"end":1753.5399,"sentiment":"positive","sentiment_score":0.41290090634272647}],"sentiment":"positive","sentiment_score":0.40661949002080494,"num_words":126,"start":1721.4901,"end":1753.5399},{"sentences":[{"text":"It should be at least anyway.","start":1753.5399,"end":1756.985,"sentiment":"neutral","sentiment_score":0.19205939769744873},{"text":"All good.","start":1757.5249,"end":1758.2649,"sentiment":"neutral","sentiment_score":0.24186162650585175},{"text":"Thank you.","start":1760.8049,"end":1761.625,"sentiment":"neutral","sentiment_score":0.174224391579628},{"text":"Oh, fantastic.","start":1762.8849,"end":1763.705,"sentiment":"positive","sentiment_score":0.7020609378814697},{"text":"Well, it's good to know that you are happy with everything.","start":1763.9249,"end":1766.6649,"sentiment":"positive","sentiment_score":0.7066058137200095}],"sentiment":"positive","sentiment_score":0.48527453256689984,"num_words":23,"start":1753.5399,"end":1766.6649},{"sentences":[{"text":"Essentially, we do work under the best interest duty, which is part of the corporations act.","start":1767.2849,"end":1772.0,"sentiment":"neutral","sentiment_score":0.22042805701494217},{"text":"So my job is to look after you.","start":1772.0,"end":1774.1,"sentiment":"neutral","sentiment_score":0.2225181981921196},{"text":"If at any point in time, under best interest duty and under the corporations act, if your best interest comes into conflict of that with OP Financial, I have to put your needs above my employer.","start":1774.3999,"end":1784.4851,"sentiment":"neutral","sentiment_score":0.1559908516291115},{"text":"So I would do everything I can to look after you and make sure that, you know, your goals are met and that we're doing the right thing.","start":1784.4851,"end":1790.805,"sentiment":"positive","sentiment_score":0.3905380346945354},{"text":"So if you're ever needing any anything additional, any questions or concerns, flag it with me, more than happy to do so.","start":1790.805,"end":1797.625,"sentiment":"neutral","sentiment_score":0.19055752354589375}],"sentiment":"neutral","sentiment_score":0.23681814223527908,"num_words":110,"start":1767.2849,"end":1797.625},{"sentences":[{"text":"I just wanted to sort of before I let you go, just to reconfirm, do you want me to do a bit of a catch up with you in maybe three or six months, or when would you like the next catch up to be?","start":1798.2201,"end":1807.4401,"sentiment":"neutral","sentiment_score":0.02688441075798538},{"text":"Yep.","start":1810.86,"end":1811.36,"sentiment":"neutral","sentiment_score":0.11704756319522858},{"text":"Perfect.","start":1811.5,"end":1812.0,"sentiment":"neutral","sentiment_score":0.22359828650951383},{"text":"The surgery is meant to be in September.","start":1823.365,"end":1825.48,"sentiment":"neutral","sentiment_score":0.0395951122045517},{"text":"Yep.","start":1825.86,"end":1826.18,"sentiment":"neutral","sentiment_score":0.07036426663398743}],"sentiment":"neutral","sentiment_score":0.03459945532293724,"num_words":56,"start":1798.2201,"end":1826.18},{"sentences":[{"text":"That's okay.","start":1826.18,"end":1826.8201,"sentiment":"neutral","sentiment_score":0.08014475926756859},{"text":"Would you like me to maybe get someone to I can get one of my admin team members to give you a call maybe mid October just to see if it's something you wanna review then and see how things are going and maybe book it a time for us to catch up with regard to the insurances at that point.","start":1826.8201,"end":1840.0449,"sentiment":"neutral","sentiment_score":0.11325036245779913},{"text":"Does that sound okay?","start":1840.0449,"end":1841.1849,"sentiment":"neutral","sentiment_score":0.0983734056353569},{"text":"Yep.","start":1844.125,"end":1844.5249,"sentiment":"neutral","sentiment_score":0.2153264284133911},{"text":"Beautiful.","start":1844.5249,"end":1845.0249,"sentiment":"positive","sentiment_score":0.44075244665145874}],"sentiment":"neutral","sentiment_score":0.1176541177690893,"num_words":69,"start":1826.18,"end":1845.0249},{"sentences":[{"text":"And then I'll also put a six month catch up in there to look at the paper after the changes are made, which brings us up to about February twenty twenty seventh.","start":1845.085,"end":1854.1449,"sentiment":"neutral","sentiment_score":0.16253172419965267},{"text":"That's incredible.","start":1854.26,"end":1855.0801,"sentiment":"positive","sentiment_score":0.4842102378606796},{"text":"It is fantastic.","start":1858.5801,"end":1860.3601,"sentiment":"positive","sentiment_score":0.5472273627916971},{"text":"I thank you so much for your time today, Chris.","start":1860.7401,"end":1862.66,"sentiment":"positive","sentiment_score":0.8358003914356231},{"text":"I will let you go, and I hope you have a lovely evening.","start":1862.66,"end":1865.3201,"sentiment":"positive","sentiment_score":0.7441932008816645}],"sentiment":"positive","sentiment_score":0.4307272210717201,"num_words":60,"start":1845.085,"end":1865.3201},{"sentences":[{"text":"I'll get Samantha to follow-up in the next day or two just to see if that document's come through and if you're able to read it.","start":1865.8601,"end":1871.495,"sentiment":"neutral","sentiment_score":0.141205986818442},{"text":"If you still can't see it, we'll just try to resend it via another electronic signature platform for you.","start":1871.795,"end":1878.515,"sentiment":"neutral","sentiment_score":0.002533812075853347},{"text":"Okay?","start":1878.515,"end":1879.015,"sentiment":"neutral","sentiment_score":0.03864874690771103},{"text":"All good.","start":1881.18,"end":1881.58,"sentiment":"positive","sentiment_score":0.5804260075092316},{"text":"Thank you so much for your time.","start":1881.58,"end":1883.1,"sentiment":"positive","sentiment_score":0.7744581529072353}],"sentiment":"neutral","sentiment_score":0.1880037439817732,"num_words":55,"start":1865.8601,"end":1883.1},{"sentences":[{"text":"I appreciate you taking my call.","start":1883.1,"end":1884.62,"sentiment":"positive","sentiment_score":0.7410267194112142},{"text":"I hope you have a good evening, and good luck with the surgery.","start":1884.62,"end":1887.58,"sentiment":"positive","sentiment_score":0.5727452406516442},{"text":"I hope it's a safe recovery.","start":1887.58,"end":1889.76,"sentiment":"positive","sentiment_score":0.5125909696022669},{"text":"Yeah.","start":1890.22,"end":1890.72,"sentiment":"neutral","sentiment_score":0.29672738909721375},{"text":"Not a problem at all.","start":1894.6489,"end":1895.7689,"sentiment":"positive","sentiment_score":0.5945425152778625}],"sentiment":"positive","sentiment_score":0.5882849750980255,"num_words":31,"start":1883.1,"end":1895.7689},{"sentences":[{"text":"You have a lovely evening.","start":1895.7689,"end":1897.2089,"sentiment":"positive","sentiment_score":0.7589617252349854},{"text":"Thank you so much.","start":1897.2089,"end":1898.429,"sentiment":"positive","sentiment_score":0.6318676769733429},{"text":"Thanks.","start":1899.5289,"end":1900.0289,"sentiment":"positive","sentiment_score":0.5404244065284729},{"text":"See you later.","start":1900.3289,"end":1901.049,"sentiment":"positive","sentiment_score":0.4263865053653717},{"text":"Bye.","start":1901.049,"end":1901.549,"sentiment":"neutral","sentiment_score":-0.10804345458745956}],"sentiment":"positive","sentiment_score":0.573844271578959,"num_words":14,"start":1895.7689,"end":1901.549}]}}]},{"alternatives":[{"transcript":"Hi. Chris speaking. Yeah. Good morning, Stanley. How are you? It is. Yep. Yeah. I'm gonna have to do it on this file. Yep. Yeah. Okay. Give me a sec. I'll see if we can get more computer running. Yep. Absolutely. No worries at all. Mhmm. Christopher John Rowe, '20 04/05/0975, and '15 Lizardel Street, Charlotte Park. Yeah. I postponed it on due to go in early September to get that done. Yeah. Oh, yeah. Yeah. It's it's the recovery is long, but the surgery is a quick one. It's just fixing up a little bit of cartilage and stuff. Mhmm. Yep. Okay. Yep. No worries. Yeah. A little bit. Not constant pain, just range of motion sort of restriction sort of more than the pain. Exactly. I have the world's largest computer. Yeah. I've got the world's largest computer. Yes. Yep. Yep. Mhmm. Okay. Yep. Yep. Yeah. I think so. Mhmm. Yeah. Yeah. Yeah. I stopped it. Yeah. Cost of living, I've had a few expenses and stuff like that, so I feel my pinch a little bit. Yeah. Okay. Mhmm. Yeah. Yep. Mhmm. Mhmm. Okay. Yep. Yep. Mhmm. Yep. Yep. No worries. Yeah. I'm in my emails, and nothing's showing up yet. Yeah. Just check that now. No. No. That's right. The email address is ksRoe@OptusNet.com.au. Yep. Yep. That's right. Looks like my email is getting close to being full as well, so I'm just gonna clear out a few. Here we go. Yep. Something's coming through now. Yep. Yeah. No. I'd I'd check them on my phone, but it doesn't clear them out of the system. It's only when I go on the computer, and because my computer is so slow, I don't bother. Yeah. Okay. Yeah. I've got it here in front of me now. Okay. Yep. Doing something. It's just taking its time. No. I didn't like that for some reason. It's locked up. I don't know what's going on there. I've got a blank screen. It says, I view financial in the top corner powered by Odoo, and that's about it. I got nothing else. Okay. Yeah. Okay. Alright. Yep. Mhmm. Yep. Mhmm. Okay. Mhmm. Okay. Yep. Yep. Okay. Yep. Yep. Mhmm. Yeah. Yeah. I think Carmen is saying that. Yep. Okay. Yep. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Okay. Yep. Mhmm. Okay. Mhmm. Yep. Yep. Makes perfect sense. Mhmm. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Yep. Okay. Yeah. No. That makes perfect sense, and no questions yet. Yep. Mhmm. Yep. Okay. Yep. Okay. Yep. Yep. Mhmm. Okay. Okay. Yep. Yeah. No. I understand. Yeah. Yeah. Yeah. I understand. Mhmm. Okay. Yeah. Absolutely. Exactly. Yep. Okay. No. No. I'm keeping up, but I've got no questions yet. No. Yeah. Okay. Yeah. Yep. Yep. Yep. Yeah. Yep. Okay. Yep. Yep. Mhmm. Okay. Yeah. Yeah. I'm about to have some time, so, yeah, I have a read. Yep. Mhmm. Yep. Okay. Yep. Yeah. No worries at all. Mhmm. Yep. Yeah. Yep. No. I don't. No. No questions. You've answered most of anything. I would have had it to query, and, yeah, I'm actually quite happy with what you guys are doing. I think sleep is tracking quite well. So yeah. Yeah. Mhmm. Yeah. Yeah. I'd say. No. I'm I'm I'm confident you guys have done the right thing for me, and, yeah, no. I'm happy. Alright, Chris. Mhmm. Let's say six months. And with all I've got done, I've at the moment, I may forget to follow-up with the insurance and after the surgery and all that sort of thing. So, yeah, just a reminder then we're good. Mhmm. Yeah. Actually, that sounds like a good idea. Yeah. Let's do that. Yep. Where's the time going? Oh, that sounds good. Yep. Yep. Okay. Yep. No worries at all. All good. Yeah. You too. Yeah. Thanks, Daniel. I appreciate your I appreciate your time. Will be. No worries. See you. 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Chris speaking. Yeah. Good morning, Stanley. How are you?\n\nIt is. Yep. Yeah. I'm gonna have to do it on this file. Yep.\n\nYeah. Okay. Give me a sec. I'll see if we can get more computer running. Yep.\n\nAbsolutely. No worries at all. Mhmm. Christopher John Rowe, '20 04/05/0975, and '15 Lizardel Street, Charlotte Park. Yeah.\n\nI postponed it on due to go in early September to get that done. Yeah. Oh, yeah. Yeah. It's it's the recovery is long, but the surgery is a quick one.\n\nIt's just fixing up a little bit of cartilage and stuff. Mhmm. Yep. Okay. Yep.\n\nNo worries. Yeah. A little bit. Not constant pain, just range of motion sort of restriction sort of more than the pain. Exactly.\n\nI have the world's largest computer. Yeah. I've got the world's largest computer. Yes. Yep.\n\nYep. Mhmm. Okay. Yep. Yep.\n\nYeah. I think so. Mhmm. Yeah. Yeah.\n\nYeah. I stopped it. Yeah. Cost of living, I've had a few expenses and stuff like that, so I feel my pinch a little bit. Yeah.\n\nOkay. Mhmm. Yeah. Yep. Mhmm.\n\nMhmm. Okay. Yep. Yep. Mhmm.\n\nYep. Yep. No worries. Yeah. I'm in my emails, and nothing's showing up yet.\n\nYeah. Just check that now. No. No. That's right.\n\nThe email address is ksRoe@OptusNet.com.au. Yep. Yep. That's right. Looks like my email is getting close to being full as well, so I'm just gonna clear out a few.\n\nHere we go. Yep. Something's coming through now. Yep. Yeah.\n\nNo. I'd I'd check them on my phone, but it doesn't clear them out of the system. It's only when I go on the computer, and because my computer is so slow, I don't bother. Yeah. Okay.\n\nYeah. I've got it here in front of me now. Okay. Yep. Doing something.\n\nIt's just taking its time. No. I didn't like that for some reason. It's locked up. I don't know what's going on there.\n\nI've got a blank screen. It says, I view financial in the top corner powered by Odoo, and that's about it. I got nothing else. Okay. Yeah.\n\nOkay. Alright. Yep. Mhmm. Yep.\n\nMhmm. Okay. Mhmm. Okay. Yep.\n\nYep. Okay. Yep. Yep. Mhmm.\n\nYeah. Yeah. I think Carmen is saying that. Yep. Okay.\n\nYep. Mhmm. Yep. Mhmm. Mhmm.\n\nMhmm. Okay. Yep. Mhmm. Okay.\n\nMhmm. Yep. Yep. Makes perfect sense. Mhmm.\n\nYep. Okay. Mhmm. Mhmm. Yep.\n\nMhmm. Yep. Okay. Yeah. No.\n\nThat makes perfect sense, and no questions yet. Yep. Mhmm. Yep. Okay.\n\nYep. Okay. Yep. Yep. Mhmm.\n\nOkay. Okay. Yep. Yeah. No.\n\nI understand. Yeah. Yeah. Yeah. I understand.\n\nMhmm. Okay. Yeah. Absolutely. Exactly.\n\nYep. Okay. No. No. I'm keeping up, but I've got no questions yet.\n\nNo. Yeah. Okay. Yeah. Yep.\n\nYep. Yep. Yeah. Yep. Okay.\n\nYep. Yep. Mhmm. Okay. Yeah.\n\nYeah. I'm about to have some time, so, yeah, I have a read. Yep. Mhmm. Yep.\n\nOkay. Yep. Yeah. No worries at all. Mhmm.\n\nYep. Yeah. Yep. No. I don't.\n\nNo. No questions. You've answered most of anything. I would have had it to query, and, yeah, I'm actually quite happy with what you guys are doing. I think sleep is tracking quite well.\n\nSo yeah. Yeah. Mhmm. Yeah. Yeah.\n\nI'd say. No. I'm I'm I'm confident you guys have done the right thing for me, and, yeah, no. I'm happy. Alright, Chris.\n\nMhmm. Let's say six months. And with all I've got done, I've at the moment, I may forget to follow-up with the insurance and after the surgery and all that sort of thing. So, yeah, just a reminder then we're good. Mhmm.\n\nYeah. Actually, that sounds like a good idea. Yeah. Let's do that. Yep.\n\nWhere's the time going? Oh, that sounds good. Yep. Yep. Okay.\n\nYep. No worries at all. All good. Yeah. You too.\n\nYeah. Thanks, Daniel. I appreciate your I appreciate your time. Will be. No worries.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.03192196413874626},{"text":"Chris speaking.","start":0.39999998,"end":1.22,"sentiment":"neutral","sentiment_score":0.027595646679401398},{"text":"Yeah.","start":5.12,"end":5.44,"sentiment":"neutral","sentiment_score":0.17058289051055908},{"text":"Good morning, Stanley.","start":5.44,"end":6.16,"sentiment":"positive","sentiment_score":0.3604605694611867},{"text":"How are you?","start":6.16,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3198927442232768}],"sentiment":"neutral","sentiment_score":0.22987560890614986,"num_words":10,"start":0.24,"end":6.8999996},{"sentences":[{"text":"It 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if we can get more computer running.","start":40.65,"end":42.43,"sentiment":"neutral","sentiment_score":0.030862997389501996},{"text":"Yep.","start":52.725,"end":53.225,"sentiment":"neutral","sentiment_score":0.0665803924202919}],"sentiment":"neutral","sentiment_score":0.03667552932165563,"num_words":16,"start":39.53,"end":53.225},{"sentences":[{"text":"Absolutely.","start":53.285,"end":53.785,"sentiment":"neutral","sentiment_score":0.12700799107551575},{"text":"No worries at all.","start":54.085,"end":55.225,"sentiment":"neutral","sentiment_score":0.17073854058980942},{"text":"Mhmm.","start":59.14,"end":59.64,"sentiment":"neutral","sentiment_score":0.051241546869277954},{"text":"Christopher John Rowe, '20 04/05/0975, and '15 Lizardel Street, Charlotte 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Chris speaking.\n\nChannel 0: Hi, Christopher. It's Dana from Oakview Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good morning, Stanley. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: It is. Yep.\n\nChannel 0: Fantastic. I'm just sending an email with the document attached. Are you able to open that one and review the document with me at all? If you can't, that's okay.\n\nChannel 1: Yeah. I'm gonna have to do it on this file.\n\nChannel 0: That's okay. If you can't, I can always run through it. This is often easier\n\nChannel 1: Yep.\n\nChannel 0: because they're talking that you're super in reviewing the investment. It can be a lot for me to sort of talk at you. So if you're able to, it is easier for you. That's all.\n\nChannel 1: Yeah. Okay. Give me a sec. I'll see if we can get more computer running.\n\nChannel 0: That's okay. You're absolutely fine. And so just while that is going ahead, I would just let you know we do record our calls for quality and training purposes. Are you okay for me to proceed with that?\n\nChannel 1: Yep. Absolutely. No worries at all.\n\nChannel 0: Fantastic. Excellent. I'll do a quick security check there with you as well.\n\nChannel 1: Mhmm.\n\nChannel 0: I just need to confirm, sorry, your full name, your date of birth, and address I should have on file.\n\nChannel 1: Christopher John Rowe, '20\n\nChannel 0: Yep.\n\nChannel 1: 04/05/0975, and '15\n\nChannel 0: Yep.\n\nChannel 1: Lizardel Street, Charlotte Park.\n\nChannel 0: Beautiful. Thank you so much for that. And how's everything going at the moment? I understand you've, having some surgery on your knee or you're having some treatment on your knee. How's that going?\n\nChannel 1: Yeah. I postponed it on due to go in early September to get that done.\n\nChannel 0: Okay. All good.\n\nChannel 1: Yeah.\n\nChannel 0: And I hope they're hoping or expecting full recovery after that? Or\n\nChannel 1: Oh, yeah. Yeah. It's\n\nChannel 0: but\n\nChannel 1: it's the recovery is long, but the surgery is a quick one. It's just fixing up a little bit of cartilage and stuff.\n\nChannel 0: yeah. Okay. Well, hopefully, it'll go as well. Good to see. I know one of the things we were trying to so that was the insurance side of things.\n\nWe just have to sort of be held off for the time being. Once you've gone\n\nChannel 1: Mhmm.\n\nChannel 0: through that, you've got your appointments all sorted, the doctors are gone yet. No problem. All good. You're you know, no more treatment required. Let me know.\n\nWe can come back, review\n\nChannel 1: Yep.\n\nChannel 0: the insurance. Let's look at what you're after, what you need, what your goals are, and update that for you. Okay?\n\nChannel 1: Okay. Yep. No\n\nChannel 0: Excellent.\n\nChannel 1: worries.\n\nChannel 0: All good. Hopefully, you have no more pain. Sounds like you're in a bit of pain with that. That would be awful.\n\nChannel 1: Yeah. A little bit. Not constant pain, just range of\n\nChannel 0: Yeah.\n\nChannel 1: motion sort of restriction sort of more than the pain.\n\nChannel 0: Yeah. Yeah. Of course. And that would be that's just horrible. I mean, your knees they do a lot when you think about it.\n\nChannel 1: Exactly.\n\nChannel 0: Yeah. No. All good.\n\nChannel 1: I have\n\nChannel 0: How\n\nChannel 1: the world's\n\nChannel 0: are you going\n\nChannel 1: largest\n\nChannel 0: with\n\nChannel 1: computer.\n\nChannel 0: that?\n\nChannel 1: Yeah. I've\n\nChannel 0: No.\n\nChannel 1: got the\n\nChannel 0: You're\n\nChannel 1: world's largest\n\nChannel 0: fine.\n\nChannel 1: computer.\n\nChannel 0: You're honestly fine. Do not worry. I was trying to send documents out earlier, and the poor person I was talking to is like, not yet. I'm like, no. It's probably only either.\n\nSorry. It's coming. It's all good. It's a lot of technology when it wants to work.\n\nChannel 1: Yes. Yep.\n\nChannel 0: That's okay. If you like, what I'll do is I can start running through things. I'll hold off the majority of it until you're ready to go. But\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Mhmm.\n\nChannel 0: can start running through just updating your goals and things like that for you just to kinda give you an overview\n\nChannel 1: Okay.\n\nChannel 0: of where I was heading with this advice document. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. So what we were sort of just asking last time was reassessing your sleep and the investments. We sort of have noticed there have been some changes in the market recently, and we wanted to go forward and just make some changes to your investments. You are getting closer to those retirement years. Your goal for super was that you were hoping to retire around about the age of of 60 and with a retirement\n\nChannel 1: Yep.\n\nChannel 0: income of about $1,000 per week to support your desired lifestyle. Does that still sound fairly appropriate for you?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep. All good. We've also had a look at the, you know, the additional salary sacrifice and things like that. Now when I had a look, last year, you were salary sacrificing into super. That amount was kind of up and down a little bit, and I'm assuming it was depending on what you were earning or your income there.\n\nIt looks\n\nChannel 1: Mhmm.\n\nChannel 0: like coming back a little bit this year, those additional contributions haven't really been going in. Have you stopped that for this\n\nChannel 1: Yeah.\n\nChannel 0: year?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: Yeah. I stopped it. Yeah. Cost of living, I've had a few expenses\n\nChannel 0: yep.\n\nChannel 1: and stuff like that, so I feel my pinch a little\n\nChannel 0: Okay.\n\nChannel 1: bit.\n\nChannel 0: No. That's okay. Just because one of the things we talked about was increasing the salary sacrifice and looking at trying to build on super a lot more. And back then, you had mentioned to me that you were comfortable increasing that by another $100 and doing about $200 on a weekly basis to sell that. So,\n\nChannel 1: Yeah.\n\nChannel 0: realistically, as part of this, because you are nine years out from retirement, essentially, you're making your agent state currently, you are I am recommending that you do increase and do that salary sacrifice and make it $200 per week. Just because\n\nChannel 1: Okay.\n\nChannel 0: starting now, if you can afford it look. If you kinda look at things and say, look. I really can't do it at the moment, that's okay and understandable. You're allowed to say, I'm not taking that part of the advice. It's completely fine.\n\nChannel 1: Mhmm.\n\nChannel 0: But, realistically, trying to start that now rather than holding off a couple of years down the track actually does work out better for you. So compounding\n\nChannel 1: Yeah.\n\nChannel 0: over the next, you know, nine, ten years works out much greater as an effect for you rather than starting five or six years later and only compounding it for about five to four years towards the retirement there. So\n\nChannel 1: Yep.\n\nChannel 0: if you are able to start doing it again, absolutely, I'm recommending that you definitely do. If you only can start with something smaller, that's absolutely fine often\n\nChannel 1: Mhmm.\n\nChannel 0: because the cost of living has increased phenomenally. And you've got a lot going on at the moment as well.\n\nChannel 1: Mhmm.\n\nChannel 0: But if, yeah, you're only comfortable with, you know, $50 a week or a $100 a week, that's absolutely fine. But as part of the advice, I did go back, review things, look at where we're sort of tracking, and did recommend that you do increase the contributions a bit in the super.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Okay. Excellent. Now there can be some definite changes there. But as I said, on the very last page of this document, once you do get some time, sorry to go back and read it through. And we've also\n\nChannel 1: Mhmm.\n\nChannel 0: got, like, a square box that says multiline on it. If there's any part of the advice you're not comfortable taking or don't want to take on board, that's absolutely fine. Just write in there that you you know, if you don't wanna take the whole $200 of sales tax, so, you know, only sales tax only comfortable sales tax this month per week or fortnight or I don't wish to proceed with the salary sacrifice. If you just note that in there, we'll note that that's a change to advise that you don't wish to proceed with, and then we'll just make sure we skip that part of the strategy when we're helping you implement it.\n\nChannel 1: Yep. Yep. No worries.\n\nChannel 0: Okay? Excellent. All good. How's your computer going?\n\nChannel 1: Yeah. I'm in my emails, and\n\nChannel 0: Yep.\n\nChannel 1: nothing's showing up yet.\n\nChannel 0: Double check your junk mail there as well.\n\nChannel 1: Yeah. Just check that now.\n\nChannel 0: Nothing?\n\nChannel 1: No. No.\n\nChannel 0: No. It's definitely gone through. Sorry about that.\n\nChannel 1: That's right. The\n\nChannel 0: Let\n\nChannel 1: email\n\nChannel 0: me just\n\nChannel 1: address\n\nChannel 0: double\n\nChannel 1: is ksRoe@OptusNet.com.au.\n\nChannel 0: check. Yep. That's the one I have here.\n\nChannel 1: Yep.\n\nChannel 0: It is raining up here, so I don't know if that's having effect. It's not supposed to be raining up here. They were forecast rain. Let's have a look. That's the detail.\n\nYep. I've got your email address correct. So I might just press resend and see if it comes through again. Sometimes the second link works better than the third link. Sorry about that.\n\nChannel 1: Yep. That's right. Looks like my email is getting close to being full as well, so I'm just gonna clear out a few. Here we go. Yep.\n\nSomething's coming through now.\n\nChannel 0: Perfect. The dreaded clear out of all the emails that bulk up.\n\nChannel 1: Yep.\n\nChannel 0: Are you good? Do you look at your emails every day and try to read what's there, or do you have a whole bunch of unread ones like I might?\n\nChannel 1: Yeah. No. I'd I'd check them on my phone, but it doesn't clear them out of the system. It's only when I go on the computer, and because my computer is so slow, I don't bother.\n\nChannel 0: No. You're good. I'm really good with my work emails, but my personal ones, they're a shocker. It's horrible.\n\nChannel 1: Yeah. Okay. Yeah. I've got it here in front of me now.\n\nChannel 0: Perfect. So when you click, you'll see a top button that says sign or a click to sign. If you just click on that box, it lets you go forward so you can see the document. And on the front\n\nChannel 1: Okay.\n\nChannel 0: page, it should say statement of advice with your name as of the 08/06/2026.\n\nChannel 1: Yep. Doing something. It's just taking its time.\n\nChannel 0: Yeah. You're right. That's okay.\n\nChannel 1: No. I didn't like that for some reason. It's locked up.\n\nChannel 0: No.\n\nChannel 1: I don't know what's going on there. I've got a blank screen. It says, I view financial in the top corner powered by Odoo,\n\nChannel 0: Yeah.\n\nChannel 1: and that's about it. I got nothing else.\n\nChannel 0: Nothing else. That's really bizarre. It's I definitely sent it. The link's definitely come through. It's just not moving forward.\n\nI might it might just need some time. It what I can do is I'll go through the recommendations. If it doesn't open up properly in the next maybe day, let me know by Monday. I'm not in the office tomorrow, but I'll double check on Monday, and I'll get my colleague, Samantha, just to maybe touch base or send you an email or even just a text to see if it was able to open. If it's not,\n\nChannel 1: Okay.\n\nChannel 0: we'll try and resend it through another way for you because we also use Adobe Sign. It's just that Odesa sign is generally easier to use. So if it doesn't open, I can easily organize it to go through another way there for you. Okay?\n\nChannel 1: Yeah. Okay. Alright.\n\nChannel 0: I'll try to not I'll try to not confuse this for you and make it as easy as possible. We've already gone through the salary sacrifice recommendations. So you're welcome to sort of have a look at your expenditure and work out whether it's worthwhile or whether you're able to do that or not.\n\nChannel 1: Yep.\n\nChannel 0: But the\n\nChannel 1: Mhmm.\n\nChannel 0: other thing I did look at was making sure your superannuation is working harder for you. So you were in one of the older portfolios. We\n\nChannel 1: Yep.\n\nChannel 0: have over recent months removed the ban along Australian equities out of that because it was under performing as an investment, which\n\nChannel 1: Mhmm.\n\nChannel 0: has been good so far for you. But I wanted to sort of make some other changes as well. So, essentially, I want to review\n\nChannel 1: Okay.\n\nChannel 0: the super fund that you're in as well as the investments. I am recommending you do stay with Netwealth. I did look at other funds out there. And while there are other platforms that might be cheaper, the biggest thing to think about when we're changing platforms is the taxation side of things. So your super fund, just like you, every year, it does a tax return.\n\nIt pays income and capital gains tax. And if we were to sell down the total portfolio all the way to cash the movie to another platform, there's a much higher capital gains consequence for doing so. So we wanted to limit that where possible and just make sure that, you know, we are able to keep things working harder for you and have as little a tax impact on your funds. In order\n\nChannel 1: Mhmm.\n\nChannel 0: to settle down to move to another another platform, the total capital gains impact would have been about $5,336. So it doesn't\n\nChannel 1: Okay.\n\nChannel 0: sound like much, but when when that comes off your super balance, it can take a bit longer for that to recover and to for it to make that money back. So\n\nChannel 1: Yep.\n\nChannel 0: I'm recommending you stay with Netwealth for the time being. We'll keep reviewing that down the track. Another way we can, when you kinda hit those retirement years and you actually start working, there are ways that I can look to maybe change the platform and alter things without any capital gains consequences for you. So when you get to those times, we'll definitely have a look at what else we can do, and I\n\nChannel 1: Yep.\n\nChannel 0: can provide additional advice there to help maybe change the platform, reduce admin fees, and things like that there for you without those tax consequences. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: So what we're looking at within the portfolio there is I did wanna do a bit of a rebalance and did switch some of the investments around. So, essentially, at the moment, we replaced the Benelon Australian Equities and put the beta shares a 200 in there for you.\n\nChannel 1: Yep.\n\nChannel 0: The beta shares a 200 investment is a more passive investment. It tracks the top 200 companies on the ASX. Your\n\nChannel 1: Mhmm.\n\nChannel 0: older investment, the Benelon Australian Equities, that was an actively managed fund. So the investment manager was trying to outperform against the market. Couldn't always do that. Active managers quite often don't beat the market, and this one has underperformed pretty heavily, has been a bit up and down since early twenty twenty with our COVID. So we decided this year it was worth getting rid of it.\n\nSo we removed it out of everyone's portfolio originally. You should have received the record of advice probably back in March letting you know\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: we were\n\nChannel 1: I\n\nChannel 0: making\n\nChannel 1: think\n\nChannel 0: that\n\nChannel 1: Carmen\n\nChannel 0: change\n\nChannel 1: is saying\n\nChannel 0: for\n\nChannel 1: that.\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Oh, good. So we did that switch, and it has been working much better for you. Bental Long Australian Equities also only held generally between 15 to 25 different investments within that that fund there. The a 200 actually is tracking 200 of the top Australian companies.\n\nSo it's actually giving you more diversification. It's a cheaper investment, and it's a passive investment, so it's lower risk as well. So we wanna keep that in there. At the moment, you've got about 37.62. You're a bit overexposed in Australian equity, so I wanna bring your exposure down a little bit, that's 25% maximum.\n\nSo we're gonna sell a little bit of the a 200 and just bring you back down a little bit to 25% total there. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: You've also got the cybersecurity, a global cybersecurity, which is giving you access to cybersecurity across the entire globe. Essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: you've got about 7.33% there. At the moment, we only wanna hold about 6%. So we're just gonna rebalance your portfolio back a little bit, sell some of that, and bring you back to 6%.\n\nChannel 1: Yep.\n\nChannel 0: Physical gold is done really, really well. At the moment, you've got about 3% physical gold in your portfolio. We wanna increase that exposure till about 7%, so we're gonna buy some more of that investment for you.\n\nChannel 1: Mhmm.\n\nChannel 0: You've also got some European ETFs, so access to the all 16 European countries there. We wanna hold about 9%. Your portfolio is showing currently only about 6.68%. So we're gonna reweight and buy some more of that European exposure. You've also got or did have the MISCE European exposure.\n\nWe don't wanna double up and have two of them, and the MISCE is actually a little bit more expensive as an investment. So we're gonna sell that one completely down to zero and just have it in the iShares Europe ETF to make it cost effective, but still give you access and exposure to the European companies and and markets.\n\nChannel 1: Mhmm.\n\nChannel 0: We've also currently got the MISCI Japanese ETF. It's giving you exposure to the Japan market. It's still a great place to be. The MISCI can be a little bit more expensive than other ones, but this one has been performing really nicely, so I wanted to keep that for you just to limit the amount of tax your super fund has\n\nChannel 1: Mhmm.\n\nChannel 0: to pay by me swapping around investments for you. You have a little over 5% exposure at the moment. We\n\nChannel 1: Okay.\n\nChannel 0: only wanna hold 5%, so we're selling just a small percent of that off. It's about 0.4% to be sold off. It's equates about a $160 to sell down that and rebalance you there.\n\nChannel 1: Yep.\n\nChannel 0: You've also got the S and P 500. This is tracking the top 500 companies across the American asset as of the American market.\n\nChannel 1: Mhmm.\n\nChannel 0: You hold about 30% there at the moment. 30.02%. We wanna hold about 35% of this investment, so we need to buy a little bit to rebalance you up a little bit there. And\n\nChannel 1: Okay.\n\nChannel 0: then we've also got an inclusion of the All World Vanguard ex US investment. This is tracking essentially the entire globe. One of the biggest things we wanna look at and what I wanted to look at with you, Steve, was making sure that we can reduce as much risk as possible. We can't reduce a 100% of all the risks that have been invested, but having diversification helps to reduce market risk. And being diversified across the globe, it gives you access to exposure to all the markets, all the established markets, but also any up and coming markets as well.\n\nSo the Vanguard All World ex US investment, which we're gonna include about 8% in your portfolio, helps\n\nChannel 1: Mhmm.\n\nChannel 0: to diversify you across the entire globe there. It is ex US. It doesn't hold any of The US market, and that's because we have 35% iShares f and c 500. So we don't wanna\n\nChannel 1: Yep.\n\nChannel 0: overexpose you. We think 35% is enough for The US to hold anymore. We're just doubling up on things.\n\nChannel 1: Yep. Makes perfect sense.\n\nChannel 0: And then you're yeah. And then you're in that high growth environment. So, generally, that feeds about 90% in those growth investments and then around about five to 10% in low risk defensive investments like bonds and fixed interest. We still wanna\n\nChannel 1: Mhmm.\n\nChannel 0: hold some bonds. We're holding core composite bonds. And at the moment, you don't really have any in there, so we're gonna add about 5% in there for you to give you some more defensive investments, and that's just\n\nChannel 1: Yep.\n\nChannel 0: making sure you do have some low risk cash producing bonds are really great. Their income, they pay out regular income payments that get paid into your cash account and reinvested back into your portfolio as well for compounding. So we're gonna include about 5% of that in your portfolio. All in all, this portfolio kind of rebalances things a little bit, so it's really important to make sure we\n\nChannel 1: Okay.\n\nChannel 0: do do rebalances pretty you know, not as much of every year, but as often as needed.\n\nChannel 1: Mhmm.\n\nChannel 0: Essentially, you're rebalancing back to where you should be or what a certain equity should be at or is expected to be at. Over time, some investments grow faster or slower than others, which can overall change the risk of your portfolio. So rebalancing means selling a little of something or buying a little bit of something else to kind of bring you back to a certain weighting and to keep your risk level at a certain rate as well. So that's what we're sort of wanting to do with this portfolio, but I I included a few additional investments there to make sure we're giving you as much diversification as possible. I think one of the things moving forward over the next nine to ten years as you get close to accessing so far is making sure we can diversify and reduce as much risk as possible.\n\nYou're about nine years out at the moment. I would want to, in the next couple of years as well, start to reduce you back out of that high growth environment just\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: because at the moment, you're okay. The high growth environment suits someone who's about eight years away from accessing their money. When you get\n\nChannel 1: Mhmm.\n\nChannel 0: closer and closer to especially with the kind of volatility we have seen this year, you do risk then if you stay in that high growth environment, risking accessing your funds at a downtime or seeing a large dip that could affect you trying to access your money, meaning you might cement those losses a bit more. So\n\nChannel 1: Yep.\n\nChannel 0: as we get closer, I definitely wanna maybe talk about reducing your risk level. But for the next twelve months, we're okay to sort of stay where we are and just look at trying to obtain as money as much in the way of gains as possible moving forward. Does that make sense?\n\nChannel 1: Okay.\n\nChannel 0: And do you have any questions?\n\nChannel 1: Yeah. No. That makes perfect sense, and no questions\n\nChannel 0: That\n\nChannel 1: yet.\n\nChannel 0: feels good?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. All good. With your cash account at the moment, you've got about 4.80% there. So it's equates to about $8,000. In your super fund, you don't wanna hold much in the way of cash.\n\nYou wanna have as much money as possible invested in the portfolio. So\n\nChannel 1: Mhmm.\n\nChannel 0: I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna take about $6,800 there and invest that into the above portfolio for you. We only wanna hold about 1%, essentially. Keeping money in your cash account doesn't get you returns. It actually costs you money to have it that you don't get much in the way of the cash rate. So\n\nChannel 1: Okay. Yep.\n\nChannel 0: I wanna make sure we invest as much of that as possible and just hold the minimum cash requirement. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. Now the kind of the main reason we're sort of looking at doing is is when I went back and did the research, when you are looking at the document, page 21 has your fee comparison table. So at the moment, your super balance is about 180,317. Inside your super fund, you do have administration fees, investment fees. Our ongoing service fee for us looking after things, which is 1.65 per annum, deducted in smaller monthly increments there for you, your contributions going in, and you've also got your insurance premiums coming out of this Visa Fund as well.\n\nWhen\n\nChannel 1: Yep.\n\nChannel 0: we looked at the the older high growth portfolio and the way you were invested, invested over the past five years, those investments have averaged about 11.56%, which is great. It's a good return to average over that time frame. But when we\n\nChannel 1: Mhmm.\n\nChannel 0: kind of look at the history of the newer investment portfolio, which is giving you more diversification, it's actually averaged to that 12.22%. So it has achieved a much higher rate of return over the past five years on an average, which means if it can get that same sort of return moving forward each year over the next five to nine years, you could end up with about 340,000 or over the age of 60 in about nine years' time, around about 530,000 there. So it does depend\n\nChannel 1: Okay.\n\nChannel 0: upon how much it reacts, and I always suggest take the projections as a grain of salt because it's basically saying this is how the portfolio has returned. If you're able to achieve the same level of return moving forward, this is where you can see yourself. But there's also no guarantees, and I don't want you to be in a high growth portfolio right up until the day you retire. So we will start to pull things back a little bit, which can affect the projected outcome. But, honestly, as long as we can get, you know, a good 10 to 12% return, even in a balanced portfolio when we reduce risk back a little bit, even in those with the lower risk portfolios, you can still achieve a 10 or 12 or 15% return on a good year as well.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: definitely not saying you can't get to that point. I'm just saying just be careful. It's not a guaranteed return. It's just projected based on the current circumstances, and\n\nChannel 1: Yep.\n\nChannel 0: markets do change. I think this year taught us all that. Anyone who wasn't aware could see markets going up and down, and I had a lot of very difficult conversations with people this year about how they were feeling in those high growth environment. So\n\nChannel 1: Yeah.\n\nChannel 0: it's just\n\nChannel 1: No.\n\nChannel 0: something\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: understand.\n\nChannel 0: like to make sure I'm very open and honest with. Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. I understand.\n\nChannel 0: Excellent. One of the things I kinda mentioned before with the changes I wanna make to your portfolio is that it does save you in fees. So it is a lower fee. It's actually a cheaper portfolio. When we look at your investment fees, your older portfolio, you're paying about $444 in investment fees there.\n\nThis newer portfolio reduced those fees to about\n\nChannel 1: Mhmm.\n\nChannel 0: $327. So you're actually saving about a $117 in investment fees there. Doesn't sound like a lot, but when you contact that over the next sort of five to ten years and have that money invested, if it's earning a 12% return, it can essentially grow to a much greater return for you.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: any kind\n\nChannel 1: Absolutely.\n\nChannel 0: of fee savings, I mean, that's more money invested for you long term.\n\nChannel 1: Exactly.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The other thing I looked at was the capital gains consequences. As I kinda mentioned before, a full sell down meant that you would have a CGT bill inside super, not for you personally, but the CGT accounted for inside super was a bit over $5 there. By making these changes that I've gone through now, the CGT your super fund would have to account for is $686. So I was able to minimize that CGT massively, noting that your fund will only have to account for $686 in CGT to make those changes and rebalance your portfolio out for you as well.\n\nOkay.\n\nChannel 1: Okay.\n\nChannel 0: Do you have any questions at the moment? Did you wanna ask me anything at all? Is it\n\nChannel 1: No. No. I'm keeping up, but I've got no\n\nChannel 0: no?\n\nChannel 1: questions yet. No.\n\nChannel 0: No. That's okay. You're all good. Obviously, the projection table does include your salary sacrifice as well. So I did\n\nChannel 1: Yeah.\n\nChannel 0: wanna\n\nChannel 1: Okay.\n\nChannel 0: reiterate that I am recommending that we do sell that just to try and get as much\n\nChannel 1: Yeah.\n\nChannel 0: as we can in the super now and compound forward, but it just comes down to what you can afford as well, and I understand that. The cost of living has\n\nChannel 1: Yep.\n\nChannel 0: gone exorbitantly high. So it's all understandable, and you just do what you're comfortable with. If\n\nChannel 1: Yep.\n\nChannel 0: you decide you're not comfortable sales that, that's okay. I can work with that. We can kinda look at it again. If you're comfortable starting smaller, I've I've started working with a lot of people trying to get them to to do 10, so it's 20 or $50 on a weekly basis and just start smaller and build it up over time as well just so they can kinda get used to the difference in their income.\n\nChannel 1: Yep.\n\nChannel 0: And that's also you know, can make a bit of a difference for you as well. But I will work with whatever your comfort level is. It could definitely have changed since our last conversation. Okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: All good. There's no new recommendation for the insurance side of things now. We are just retaining your current insurance level, your current premium paid out of through today. You've got your licensed CBD policy with me. The current sum insured for your life is 623,432.\n\nYou've got the same level of TDD then. I think one of the things we were looking at down the track was reassessing the life and TDD limits to make sure it was meting your goal. But we were also looking at trying to get you some income protection there, which is hard to be put on hold for the moment. But when there's things settled down a bit for you, let me know. We can come back and definitely have that conversation and look at what kind of income protection you might be able to get, what that might look for you as well, the cost and everything for you as well.\n\nOkay?\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Excellent. When you do get to look at the documents there, if you just sort of take some time to read it over, I have outlined all the recommendations, the advantages, disadvantages, the risks involved. I've gone through some of those with you already, but there's definitely more outlined there, and then also any alternatives that I have considered as part of the advice. We do also attach the appendices for you, which outlines a lot of the research completed. And depending on how much you like to read and how much downtime you're gonna have after your surgery, I've\n\nChannel 1: Mhmm.\n\nChannel 0: also got the NEOs and the the PDF documents for your super fund for Netwealth as well. So you're welcome to run\n\nChannel 1: Okay.\n\nChannel 0: your eyes over those, have a read of the documents.\n\nChannel 1: Yeah.\n\nChannel 0: Not everyone's that keen on reading them, but you've got some time on your end.\n\nChannel 1: Yeah. I'm about to\n\nChannel 0: And\n\nChannel 1: have some\n\nChannel 0: then we've\n\nChannel 1: time,\n\nChannel 0: also\n\nChannel 1: so, yeah, I have a read.\n\nChannel 0: and then you've also got your the Oakview Financial Services guide there for you as well. And\n\nChannel 1: Yep.\n\nChannel 0: because it is time to renew your ongoing service agreement as well, I've attached a new agreement there for the next\n\nChannel 1: Mhmm.\n\nChannel 0: twelve months just to reconfirm. So if you're happy to proceed with everything, I'll get you to sign and return the documents,\n\nChannel 1: Yep.\n\nChannel 0: sign the ongoing service agreement back, and we can go forward, do the investment switch for you. And and as I kinda said, on the very last page, if you decide you wanna alter the sales back or not go ahead with it or make any changes, just make a little note in that box there. If you get stuck and forget, you can just let me know, and I can always make a little note in your file with what you wanna change or alter for you\n\nChannel 1: Okay.\n\nChannel 0: as well. Okay.\n\nChannel 1: Yep. Yeah. No worries\n\nChannel 0: Easy.\n\nChannel 1: at all.\n\nChannel 0: That is that is basically all I wanted to go through with you just to kind of update things. I just wanna\n\nChannel 1: Mhmm.\n\nChannel 0: make sure your super is working harder for you, and if that's\n\nChannel 1: Yep.\n\nChannel 0: what's putting in super every now and then do need to be updated. So it's well worth making sure that we're keeping you on track and making sure your suit is working as hard as it possibly can. You've worked hard for your money, so it should be doing the exact same thing for you at the end of the day.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Do you do you have any questions for me at the moment? Is there anything that's\n\nChannel 1: No.\n\nChannel 0: kinda\n\nChannel 1: I don't.\n\nChannel 0: come to mind thus far?\n\nChannel 1: No. No\n\nChannel 0: No.\n\nChannel 1: questions. You've answered most of anything. I would have had\n\nChannel 0: Okay.\n\nChannel 1: it to query, and, yeah, I'm actually quite happy with what you guys are doing. I think sleep\n\nChannel 0: Oh, thank\n\nChannel 1: is tracking\n\nChannel 0: you.\n\nChannel 1: quite\n\nChannel 0: Appreciate\n\nChannel 1: well. So\n\nChannel 0: that.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Perfect. Thank you so much. I really enjoy this. I love the educational part of my job as well as looking and updating the advice. I mean, you just I want you to have the best time possible.\n\nAnd here at IFU, I do a lot of that retirement advice looking at, you know, tracking over time of what that looks like in in retirement, how do we draw down, do we get counseling, and things like that. So I\n\nChannel 1: Mhmm.\n\nChannel 0: definitely wanna make sure I look after you moving forward that you get the best possible retirement because you will have worked a whole lifetime by the time you get there, and then you've got a whole lifetime in retirement as well. So\n\nChannel 1: Yeah.\n\nChannel 0: it's gotta you know, it'll be the best gig of your life. It should\n\nChannel 1: Yeah.\n\nChannel 0: be at least\n\nChannel 1: I'd say. No.\n\nChannel 0: anyway.\n\nChannel 1: I'm I'm I'm\n\nChannel 0: All\n\nChannel 1: confident\n\nChannel 0: good.\n\nChannel 1: you guys have done the right thing for me, and, yeah,\n\nChannel 0: Thank\n\nChannel 1: no. I'm\n\nChannel 0: you.\n\nChannel 1: happy.\n\nChannel 0: Oh, fantastic. Well, it's good to know that you are happy with everything. Essentially, we do work under the best interest duty, which is part of the corporations act. So my job is to look after you. If at any point in time, under best interest duty and under the corporations act, if your best interest comes into conflict of that with OP Financial, I have to put your needs above my employer.\n\nSo I would do everything I can to look after you and make sure that, you know, your goals are met and that we're doing the right thing. So if you're\n\nChannel 1: Alright, Chris.\n\nChannel 0: ever needing any anything additional, any questions or concerns, flag it with me, more than happy to do so.\n\nChannel 1: Mhmm.\n\nChannel 0: I just wanted to sort of before I let you go, just to reconfirm, do you want me to do a bit of a catch up with you in maybe three or six months, or when would you like the next catch up to be?\n\nChannel 1: Let's say six months.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: And with all I've got done, I've at the moment, I may forget to follow-up with the insurance and after the surgery and all that sort of thing. So, yeah, just a\n\nChannel 0: The\n\nChannel 1: reminder\n\nChannel 0: surgery\n\nChannel 1: then\n\nChannel 0: is meant\n\nChannel 1: we're good.\n\nChannel 0: to be in September. Yep. That's\n\nChannel 1: Mhmm.\n\nChannel 0: okay. Would you like me to maybe get someone to I can get one of my admin team members to give you a call maybe mid October just to see if it's something you wanna review then and see how things are going and maybe book it a time for us to catch up with regard to the insurances at that point. Does that sound okay?\n\nChannel 1: Yeah. Actually, that sounds like a good idea. Yeah. Let's do that.\n\nChannel 0: Yep. Beautiful. And then I'll also put a six month catch up in there to look at the paper after the changes are made,\n\nChannel 1: Yep.\n\nChannel 0: which brings us up to about February twenty twenty seventh. That's incredible.\n\nChannel 1: Where's the time going? Oh, that sounds good.\n\nChannel 0: It is fantastic. I thank you so much for your time today, Chris. I will let you go, and I hope you have a lovely evening. I'll\n\nChannel 1: Yep.\n\nChannel 0: get Samantha to follow-up in the next day or two just to see if that document's come through and if you're able to read it. If you still can't see it, we'll just try to resend it via another electronic signature\n\nChannel 1: Yep.\n\nChannel 0: platform for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep. No worries at all. All good.\n\nChannel 0: All good. Thank you so much for your time. I appreciate you taking my call. I hope you have a good evening, and good\n\nChannel 1: Yeah.\n\nChannel 0: luck\n\nChannel 1: You\n\nChannel 0: with the\n\nChannel 1: too.\n\nChannel 0: surgery. I hope it's a safe recovery. Yeah.\n\nChannel 1: Yeah. Thanks, Daniel. I appreciate your I appreciate your time.\n\nChannel 0: Not a problem at all. You have a lovely evening. Thank you so\n\nChannel 1: Will be.\n\nChannel 0: much.\n\nChannel 1: No worries. See you.\n\nChannel 0: Thanks. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.03192196413874626},{"text":"Chris speaking.","start":0.39999998,"end":1.22,"sentiment":"neutral","sentiment_score":0.027595646679401398}],"sentiment":"neutral","sentiment_score":0.029037752499183018,"channel":1,"num_words":3,"start":0.24,"end":1.22},{"sentences":[{"text":"Hi, Christopher.","start":1.5999999,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.10407525673508644},{"text":"It's Dana from Oakview Financial.","start":2.3999999,"end":4.1,"sentiment":"neutral","sentiment_score":0.15051958858966827},{"text":"How are you this afternoon?","start":4.16,"end":5.38,"sentiment":"neutral","sentiment_score":0.18593428432941436}],"sentiment":"neutral","sentiment_score":0.15753498983879885,"channel":0,"num_words":12,"start":1.5999999,"end":5.38},{"sentences":[{"text":"Yeah.","start":5.12,"end":5.44,"sentiment":"neutral","sentiment_score":0.17058289051055908},{"text":"Good morning, Stanley.","start":5.44,"end":6.16,"sentiment":"positive","sentiment_score":0.3604605694611867},{"text":"How are you?","start":6.16,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3198927442232768}],"sentiment":"neutral","sentiment_score":0.3159489759377071,"channel":1,"num_words":7,"start":5.12,"end":6.8999996},{"sentences":[{"text":"I'm very well.","start":7.04,"end":8.0,"sentiment":"positive","sentiment_score":0.6191483934720358},{"text":"Thank you.","start":8.0,"end":8.48,"sentiment":"positive","sentiment_score":0.6990803480148315},{"text":"I had you booked in to go through your updated statement of advice.","start":8.48,"end":11.28,"sentiment":"neutral","sentiment_score":0.33039251886881316},{"text":"Is now still a good time there for you?","start":11.28,"end":13.38,"sentiment":"neutral","sentiment_score":0.2834004494878981}],"sentiment":"positive","sentiment_score":0.3741226913752379,"channel":0,"num_words":27,"start":7.04,"end":13.38},{"sentences":[{"text":"It is.","start":13.435,"end":13.995,"sentiment":"neutral","sentiment_score":0.19266387075185776},{"text":"Yep.","start":13.995,"end":14.495,"sentiment":"neutral","sentiment_score":0.24237173795700073}],"sentiment":"neutral","sentiment_score":0.20923315982023874,"channel":1,"num_words":3,"start":13.435,"end":14.495},{"sentences":[{"text":"Fantastic.","start":15.205,"end":15.705,"sentiment":"positive","sentiment_score":0.5830909013748169},{"text":"I'm just sending an email with the document attached.","start":16.005,"end":18.404999,"sentiment":"neutral","sentiment_score":0.2622644040319655},{"text":"Are you able to open that one and review the document with me at all?","start":18.404999,"end":22.085,"sentiment":"neutral","sentiment_score":0.16220886011918387},{"text":"If you can't, that's okay.","start":22.085,"end":23.465,"sentiment":"neutral","sentiment_score":-0.01960032284259796}],"sentiment":"neutral","sentiment_score":0.1759533941745758,"channel":0,"num_words":30,"start":15.205,"end":23.465},{"sentences":[{"text":"Yeah.","start":24.235,"end":24.555,"sentiment":"neutral","sentiment_score":0.003429550677537918},{"text":"I'm gonna have to do it on this file.","start":24.555,"end":26.415,"sentiment":"neutral","sentiment_score":-0.017356384131643508}],"sentiment":"neutral","sentiment_score":-0.015277790650725365,"channel":1,"num_words":10,"start":24.235,"end":26.415},{"sentences":[{"text":"That's okay.","start":26.93,"end":27.650002,"sentiment":"neutral","sentiment_score":0.06357747688889503},{"text":"If you can't, I can always run through it.","start":27.650002,"end":29.57,"sentiment":"neutral","sentiment_score":0.051888959689272776},{"text":"This is often easier","start":29.57,"end":30.69,"sentiment":"neutral","sentiment_score":0.13166018202900887}],"sentiment":"neutral","sentiment_score":0.07471975460648536,"channel":0,"num_words":15,"start":26.93,"end":30.69},{"sentences":[{"text":"Yep.","start":30.49,"end":30.99,"sentiment":"neutral","sentiment_score":0.14074504375457764}],"sentiment":"neutral","sentiment_score":0.14074504375457764,"channel":1,"num_words":1,"start":30.49,"end":30.99},{"sentences":[{"text":"because they're talking that you're super in reviewing the investment.","start":30.69,"end":33.27,"sentiment":"neutral","sentiment_score":0.15966504961252212},{"text":"It can be a lot for me to sort of talk at you.","start":33.73,"end":36.05,"sentiment":"neutral","sentiment_score":0.12872050759884027},{"text":"So if you're able to, it is easier for you.","start":36.05,"end":38.690002,"sentiment":"neutral","sentiment_score":0.18367778062820433},{"text":"That's all.","start":38.690002,"end":39.43,"sentiment":"neutral","sentiment_score":0.08226471394300461}],"sentiment":"neutral","sentiment_score":0.15060926654509135,"channel":0,"num_words":35,"start":30.69,"end":39.43},{"sentences":[{"text":"Yeah.","start":39.53,"end":39.77,"sentiment":"neutral","sentiment_score":0.06052383407950401},{"text":"Okay.","start":39.77,"end":40.01,"sentiment":"neutral","sentiment_score":0.04972345009446144},{"text":"Give me a sec.","start":40.01,"end":40.65,"sentiment":"neutral","sentiment_score":0.033053454011678696},{"text":"I'll see if we can get more computer running.","start":40.65,"end":42.43,"sentiment":"neutral","sentiment_score":0.030862997389501996}],"sentiment":"neutral","sentiment_score":0.034681871781746546,"channel":1,"num_words":15,"start":39.53,"end":42.43},{"sentences":[{"text":"That's okay.","start":42.875,"end":43.595,"sentiment":"neutral","sentiment_score":0.12350749969482422},{"text":"You're absolutely fine.","start":43.595,"end":44.795002,"sentiment":"neutral","sentiment_score":0.24626317620277405},{"text":"And so just while that is going ahead, I would just let you know we do record our calls for quality and training purposes.","start":44.795002,"end":50.975,"sentiment":"neutral","sentiment_score":0.06959543873866399},{"text":"Are you okay for me to proceed with that?","start":51.035,"end":53.215,"sentiment":"neutral","sentiment_score":0.041514194673962064}],"sentiment":"neutral","sentiment_score":0.07972954762609381,"channel":0,"num_words":38,"start":42.875,"end":53.215},{"sentences":[{"text":"Yep.","start":52.725,"end":53.225,"sentiment":"neutral","sentiment_score":0.0665803924202919},{"text":"Absolutely.","start":53.285,"end":53.785,"sentiment":"neutral","sentiment_score":0.12700799107551575},{"text":"No worries at all.","start":54.085,"end":55.225,"sentiment":"neutral","sentiment_score":0.17073854058980942}],"sentiment":"neutral","sentiment_score":0.1460904243091742,"channel":1,"num_words":6,"start":52.725,"end":55.225},{"sentences":[{"text":"Fantastic.","start":54.84,"end":55.34,"sentiment":"positive","sentiment_score":0.48039865493774414},{"text":"Excellent.","start":55.64,"end":56.12,"sentiment":"positive","sentiment_score":0.43957093358039856},{"text":"I'll do a quick security check there with you as well.","start":56.12,"end":58.859997,"sentiment":"neutral","sentiment_score":0.24587258425625888}],"sentiment":"neutral","sentiment_score":0.2788129242566916,"channel":0,"num_words":13,"start":54.84,"end":58.859997},{"sentences":[{"text":"Mhmm.","start":59.14,"end":59.64,"sentiment":"neutral","sentiment_score":0.051241546869277954}],"sentiment":"neutral","sentiment_score":0.051241546869277954,"channel":1,"num_words":1,"start":59.14,"end":59.64},{"sentences":[{"text":"I just need to confirm, sorry, your full name, your date of birth, and address I should have on file.","start":59.239998,"end":64.14,"sentiment":"neutral","sentiment_score":0.054855718091130254}],"sentiment":"neutral","sentiment_score":0.054855718091130254,"channel":0,"num_words":20,"start":59.239998,"end":64.14},{"sentences":[{"text":"Christopher John Rowe, '20","start":64.66,"end":66.82,"sentiment":"neutral","sentiment_score":0.01760102855041623}],"sentiment":"neutral","sentiment_score":0.01760102855041623,"channel":1,"num_words":4,"start":64.66,"end":66.82},{"sentences":[{"text":"Yep.","start":66.6,"end":66.915,"sentiment":"neutral","sentiment_score":0.02683005109429359}],"sentiment":"neutral","sentiment_score":0.02683005109429359,"channel":0,"num_words":1,"start":66.6,"end":66.915},{"sentences":[{"text":"04/05/0975, and '15","start":66.82,"end":69.54,"sentiment":"neutral","sentiment_score":0.025560497616728146}],"sentiment":"neutral","sentiment_score":0.025560497616728146,"channel":1,"num_words":3,"start":66.82,"end":69.54},{"sentences":[{"text":"Yep.","start":69.235,"end":69.735,"sentiment":"neutral","sentiment_score":0.031570062041282654}],"sentiment":"neutral","sentiment_score":0.031570062041282654,"channel":0,"num_words":1,"start":69.235,"end":69.735},{"sentences":[{"text":"Lizardel Street, Charlotte Park.","start":69.54,"end":71.16,"sentiment":"neutral","sentiment_score":0.047658223658800125}],"sentiment":"neutral","sentiment_score":0.047658223658800125,"channel":1,"num_words":4,"start":69.54,"end":71.16},{"sentences":[{"text":"Beautiful.","start":71.555,"end":72.035,"sentiment":"positive","sentiment_score":0.37164774537086487},{"text":"Thank you so much for that.","start":72.035,"end":73.735,"sentiment":"positive","sentiment_score":0.45445219178994495},{"text":"And how's everything going at the moment?","start":74.035,"end":75.555,"sentiment":"neutral","sentiment_score":0.1282682323030063},{"text":"I understand you've, having some surgery on your knee or you're having some treatment on your knee.","start":75.555,"end":79.715,"sentiment":"neutral","sentiment_score":-0.03579014265800223},{"text":"How's that going?","start":79.715,"end":80.76,"sentiment":"neutral","sentiment_score":-0.016412674449384212}],"sentiment":"neutral","sentiment_score":0.09819317863815848,"channel":0,"num_words":34,"start":71.555,"end":80.76},{"sentences":[{"text":"Yeah.","start":81.965,"end":82.205,"sentiment":"neutral","sentiment_score":-0.12711888551712036},{"text":"I postponed it on due to go in early September to get that done.","start":82.205,"end":87.585,"sentiment":"neutral","sentiment_score":-0.1472109364611762}],"sentiment":"neutral","sentiment_score":-0.14587146639823914,"channel":1,"num_words":15,"start":81.965,"end":87.585},{"sentences":[{"text":"Okay.","start":87.48,"end":87.98,"sentiment":"neutral","sentiment_score":0.03888184577226639},{"text":"All good.","start":88.28,"end":88.92,"sentiment":"neutral","sentiment_score":0.10018975660204887}],"sentiment":"neutral","sentiment_score":0.07975378632545471,"channel":0,"num_words":3,"start":87.48,"end":88.92},{"sentences":[{"text":"Yeah.","start":88.845,"end":89.345,"sentiment":"neutral","sentiment_score":0.01065722480416298}],"sentiment":"neutral","sentiment_score":0.01065722480416298,"channel":1,"num_words":1,"start":88.845,"end":89.345},{"sentences":[{"text":"And I hope they're hoping or expecting full recovery after that?","start":88.92,"end":92.68,"sentiment":"neutral","sentiment_score":-0.005246240476315672},{"text":"Or","start":92.68,"end":93.18,"sentiment":"neutral","sentiment_score":-0.035848259925842285}],"sentiment":"neutral","sentiment_score":-0.007796408763776223,"channel":0,"num_words":12,"start":88.92,"end":93.18},{"sentences":[{"text":"Oh, yeah.","start":93.46,"end":93.94,"sentiment":"neutral","sentiment_score":-0.043717918917536736},{"text":"Yeah.","start":93.94,"end":94.34,"sentiment":"neutral","sentiment_score":-0.04505398869514465},{"text":"It's","start":94.34,"end":94.84,"sentiment":"neutral","sentiment_score":-0.06555736064910889}],"sentiment":"neutral","sentiment_score":-0.04951179679483175,"channel":1,"num_words":4,"start":93.46,"end":94.84},{"sentences":[{"text":"but","start":94.68,"end":95.175,"sentiment":"neutral","sentiment_score":-0.07711391150951385}],"sentiment":"neutral","sentiment_score":-0.07711391150951385,"channel":0,"num_words":1,"start":94.68,"end":95.175},{"sentences":[{"text":"it's the recovery is long, but the surgery is a quick one.","start":95.86,"end":99.86,"sentiment":"neutral","sentiment_score":-0.1101340235521396},{"text":"It's just fixing up a little bit of cartilage and stuff.","start":99.86,"end":102.6,"sentiment":"neutral","sentiment_score":0.007631765170530839}],"sentiment":"neutral","sentiment_score":-0.05381125503260156,"channel":1,"num_words":23,"start":95.86,"end":102.6},{"sentences":[{"text":"yeah.","start":103.015,"end":103.415,"sentiment":"neutral","sentiment_score":0.10615037381649016},{"text":"Okay.","start":103.415,"end":103.815,"sentiment":"neutral","sentiment_score":0.18796466290950775},{"text":"Well, hopefully, it'll go as well.","start":103.815,"end":105.255005,"sentiment":"positive","sentiment_score":0.3894811471303304},{"text":"Good to see.","start":105.255005,"end":105.735,"sentiment":"positive","sentiment_score":0.5565587083498637},{"text":"I know one of the things we were trying to so that was the insurance side of 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08/06/2026.","start":503.035,"end":507.99,"sentiment":"neutral","sentiment_score":0.01743284333497286}],"sentiment":"neutral","sentiment_score":0.01743284333497286,"channel":0,"num_words":14,"start":503.035,"end":507.99},{"sentences":[{"text":"Yep.","start":511.135,"end":511.635,"sentiment":"neutral","sentiment_score":-0.030264025554060936},{"text":"Doing something.","start":520.06,"end":520.69995,"sentiment":"neutral","sentiment_score":-0.1709056794643402},{"text":"It's just taking its time.","start":520.69995,"end":522.17,"sentiment":"neutral","sentiment_score":-0.30750511288642884}],"sentiment":"neutral","sentiment_score":-0.2387001186143607,"channel":1,"num_words":8,"start":511.135,"end":522.17},{"sentences":[{"text":"Yeah.","start":521.89,"end":522.21,"sentiment":"neutral","sentiment_score":-0.008946355432271957},{"text":"You're right.","start":522.21,"end":522.885,"sentiment":"neutral","sentiment_score":0.026164005510509014},{"text":"That's 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there.","start":576.39,"end":577.51,"sentiment":"neutral","sentiment_score":-0.2561987681048257},{"text":"I've got a blank screen.","start":577.51,"end":578.47,"sentiment":"neutral","sentiment_score":-0.2153228461742401},{"text":"It says, I view financial in the top corner powered by Odoo,","start":578.47,"end":582.07,"sentiment":"neutral","sentiment_score":-0.085641383814315}],"sentiment":"neutral","sentiment_score":-0.16240425889069834,"channel":1,"num_words":24,"start":576.39,"end":582.07},{"sentences":[{"text":"Yeah.","start":581.89496,"end":582.39496,"sentiment":"neutral","sentiment_score":-0.061450064182281494}],"sentiment":"neutral","sentiment_score":-0.061450064182281494,"channel":0,"num_words":1,"start":581.89496,"end":582.39496},{"sentences":[{"text":"and that's about it.","start":582.07,"end":583.19,"sentiment":"neutral","sentiment_score":-0.1163307148963213},{"text":"I got nothing 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markets.","start":916.505,"end":928.66,"sentiment":"neutral","sentiment_score":0.23255001126151337}],"sentiment":"neutral","sentiment_score":0.11130662012051364,"channel":0,"num_words":61,"start":910.665,"end":928.66},{"sentences":[{"text":"Mhmm.","start":929.335,"end":929.835,"sentiment":"neutral","sentiment_score":0.12500430643558502}],"sentiment":"neutral","sentiment_score":0.12500430643558502,"channel":1,"num_words":1,"start":929.335,"end":929.835},{"sentences":[{"text":"We've also currently got the MISCI Japanese ETF.","start":929.76,"end":932.8,"sentiment":"neutral","sentiment_score":0.25465388782322407},{"text":"It's giving you exposure to the Japan market.","start":932.8,"end":935.46,"sentiment":"positive","sentiment_score":0.3735455870628357},{"text":"It's still a great place to be.","start":935.52,"end":937.22,"sentiment":"positive","sentiment_score":0.7001693844795227},{"text":"The MISCI can be a little bit more expensive than other ones, but this one has been performing 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little bit of something else to kind of bring you back to a certain weighting and to keep your risk level at a certain rate as well.","start":1118.775,"end":1128.85,"sentiment":"neutral","sentiment_score":0.14689851405197069},{"text":"So that's what we're sort of wanting to do with this portfolio, but I I included a few additional investments there to make sure we're giving you as much diversification as possible.","start":1128.85,"end":1138.715,"sentiment":"neutral","sentiment_score":0.2542741196230054},{"text":"I think one of the things moving forward over the next nine to ten years as you get close to accessing so far is making sure we can diversify and reduce as much risk as possible.","start":1138.715,"end":1148.095,"sentiment":"neutral","sentiment_score":0.3044683010213905}],"sentiment":"neutral","sentiment_score":0.15456159069278352,"channel":0,"num_words":148,"start":1103.49,"end":1148.095},{"sentences":[{"text":"You're about nine years out at the moment.","start":1148.75,"end":1151.5701,"sentiment":"neutral","sentiment_score":0.01697658048942685},{"text":"I would want to, in the next couple of years as well, start to reduce you back out of that high growth environment just","start":1151.9501,"end":1157.63,"sentiment":"neutral","sentiment_score":-0.024970101037373144}],"sentiment":"neutral","sentiment_score":-0.014483430655673146,"channel":0,"num_words":32,"start":1148.75,"end":1157.63},{"sentences":[{"text":"Mhmm.","start":1157.4551,"end":1157.535,"sentiment":"neutral","sentiment_score":-0.04543142765760422},{"text":"Yep.","start":1157.535,"end":1158.035,"sentiment":"neutral","sentiment_score":0.04901382327079773}],"sentiment":"neutral","sentiment_score":0.001791197806596756,"channel":1,"num_words":2,"start":1157.4551,"end":1158.035},{"sentences":[{"text":"because at the moment, you're okay.","start":1157.63,"end":1159.65,"sentiment":"neutral","sentiment_score":-0.000923170397679011},{"text":"The high growth environment suits someone who's about eight years away from accessing their money.","start":1160.1101,"end":1164.635,"sentiment":"neutral","sentiment_score":-0.15436406036218006},{"text":"When you get","start":1164.775,"end":1165.415,"sentiment":"neutral","sentiment_score":-0.10813023895025253}],"sentiment":"neutral","sentiment_score":-0.11022461019456387,"channel":0,"num_words":24,"start":1157.63,"end":1165.415},{"sentences":[{"text":"Mhmm.","start":1165.25,"end":1165.75,"sentiment":"neutral","sentiment_score":-0.1310943067073822}],"sentiment":"neutral","sentiment_score":-0.1310943067073822,"channel":1,"num_words":1,"start":1165.25,"end":1165.75},{"sentences":[{"text":"closer and closer to especially with the kind of volatility we have seen this year, you do risk then if you stay in that high growth environment, risking accessing your funds at a downtime or seeing a large dip that could affect you trying to access your money, meaning you might cement those losses a bit more.","start":1165.415,"end":1182.3099,"sentiment":"neutral","sentiment_score":-0.30495845748667133},{"text":"So","start":1182.3099,"end":1182.8099,"sentiment":"neutral","sentiment_score":0.011605359613895416}],"sentiment":"neutral","sentiment_score":-0.2995004606401098,"channel":0,"num_words":58,"start":1165.415,"end":1182.8099},{"sentences":[{"text":"Yep.","start":1182.975,"end":1183.475,"sentiment":"neutral","sentiment_score":0.05439836531877518}],"sentiment":"neutral","sentiment_score":0.05439836531877518,"channel":1,"num_words":1,"start":1182.975,"end":1183.475},{"sentences":[{"text":"as we get closer, I definitely wanna maybe talk about reducing your risk level.","start":1183.19,"end":1187.35,"sentiment":"neutral","sentiment_score":0.10077815875411034},{"text":"But for the next twelve months, we're okay to sort of stay where we are and just look at trying to obtain as money as much in the way of gains as possible moving forward.","start":1187.35,"end":1195.265,"sentiment":"neutral","sentiment_score":0.20116497086627141},{"text":"Does that make sense?","start":1195.265,"end":1196.065,"sentiment":"neutral","sentiment_score":0.15738710574805737}],"sentiment":"neutral","sentiment_score":0.17134370992206177,"channel":0,"num_words":53,"start":1183.19,"end":1196.065},{"sentences":[{"text":"Okay.","start":1195.9199,"end":1196.4199,"sentiment":"neutral","sentiment_score":0.054716214537620544}],"sentiment":"neutral","sentiment_score":0.054716214537620544,"channel":1,"num_words":1,"start":1195.9199,"end":1196.4199},{"sentences":[{"text":"And do you have any 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good?","start":1200.625,"end":1201.365,"sentiment":"neutral","sentiment_score":0.13920685648918152}],"sentiment":"neutral","sentiment_score":0.13920685648918152,"channel":0,"num_words":2,"start":1200.625,"end":1201.365},{"sentences":[{"text":"Yep.","start":1201.84,"end":1202.34,"sentiment":"neutral","sentiment_score":0.2466246336698532}],"sentiment":"neutral","sentiment_score":0.2466246336698532,"channel":1,"num_words":1,"start":1201.84,"end":1202.34},{"sentences":[{"text":"Fantastic.","start":1202.385,"end":1202.885,"sentiment":"positive","sentiment_score":0.5672724843025208},{"text":"All good.","start":1203.905,"end":1204.645,"sentiment":"positive","sentiment_score":0.4844330847263336},{"text":"With your cash account at the moment, you've got about 4.80% there.","start":1204.89,"end":1208.65,"sentiment":"neutral","sentiment_score":0.21453983585039774},{"text":"So it's equates to about $8,000.","start":1208.65,"end":1210.91,"sentiment":"neutral","sentiment_score":0.17085929463307062},{"text":"In your super fund, you don't wanna hold much in the way of cash.","start":1211.29,"end":1214.09,"sentiment":"neutral","sentiment_score":0.004948051912443979}],"sentiment":"neutral","sentiment_score":0.14871557652950287,"channel":0,"num_words":35,"start":1202.385,"end":1214.09},{"sentences":[{"text":"You wanna have as much money as possible invested in the portfolio.","start":1214.09,"end":1217.47,"sentiment":"neutral","sentiment_score":0.13243486794332662},{"text":"So","start":1218.255,"end":1218.415,"sentiment":"neutral","sentiment_score":0.0969197079539299}],"sentiment":"neutral","sentiment_score":0.1297029325595269,"channel":0,"num_words":13,"start":1214.09,"end":1218.415},{"sentences":[{"text":"Mhmm.","start":1218.4149,"end":1218.495,"sentiment":"neutral","sentiment_score":0.0837567150592804}],"sentiment":"neutral","sentiment_score":0.0837567150592804,"channel":1,"num_words":1,"start":1218.4149,"end":1218.495},{"sentences":[{"text":"I'm","start":1218.415,"end":1218.495,"sentiment":"neutral","sentiment_score":0.10422497242689133}],"sentiment":"neutral","sentiment_score":0.10422497242689133,"channel":0,"num_words":1,"start":1218.415,"end":1218.495},{"sentences":[{"text":"Yep.","start":1218.495,"end":1218.995,"sentiment":"neutral","sentiment_score":0.09292583912611008}],"sentiment":"neutral","sentiment_score":0.09292583912611008,"channel":1,"num_words":1,"start":1218.495,"end":1218.995},{"sentences":[{"text":"gonna take about $6,800 there and invest that into the above portfolio for you.","start":1218.495,"end":1224.095,"sentiment":"neutral","sentiment_score":0.15601534556065286},{"text":"We only wanna hold about 1%, essentially.","start":1224.095,"end":1226.5751,"sentiment":"neutral","sentiment_score":0.04249681532382965},{"text":"Keeping money in your cash account doesn't get you returns.","start":1226.5751,"end":1229.395,"sentiment":"neutral","sentiment_score":-0.08405860513448715},{"text":"It actually costs you money to have it that you don't get much in the way of the cash rate.","start":1229.615,"end":1233.375,"sentiment":"neutral","sentiment_score":-0.17469956688582897},{"text":"So","start":1233.375,"end":1233.81,"sentiment":"neutral","sentiment_score":-0.00424344465136528}],"sentiment":"neutral","sentiment_score":-0.03571400554993978,"channel":0,"num_words":52,"start":1218.495,"end":1233.81},{"sentences":[{"text":"Okay.","start":1233.76,"end":1234.16,"sentiment":"neutral","sentiment_score":0.023181824013590813},{"text":"Yep.","start":1234.16,"end":1234.515,"sentiment":"neutral","sentiment_score":-0.0319581963121891}],"sentiment":"neutral","sentiment_score":-0.004388186149299145,"channel":1,"num_words":2,"start":1233.76,"end":1234.515},{"sentences":[{"text":"I wanna make sure we invest as much of that as possible and just hold the minimum cash requirement.","start":1234.29,"end":1239.1901,"sentiment":"positive","sentiment_score":0.34022647534546097},{"text":"Okay?","start":1239.65,"end":1240.15,"sentiment":"neutral","sentiment_score":0.1696273535490036}],"sentiment":"neutral","sentiment_score":0.33169651925563814,"channel":0,"num_words":20,"start":1234.29,"end":1240.15},{"sentences":[{"text":"Okay.","start":1239.875,"end":1240.275,"sentiment":"neutral","sentiment_score":0.25883156061172485},{"text":"Yep.","start":1240.275,"end":1240.775,"sentiment":"positive","sentiment_score":0.48217982053756714}],"sentiment":"positive","sentiment_score":0.370505690574646,"channel":1,"num_words":2,"start":1239.875,"end":1240.775},{"sentences":[{"text":"Excellent.","start":1241.7301,"end":1242.2301,"sentiment":"positive","sentiment_score":0.7538673281669617},{"text":"Now the kind of the main reason we're sort of looking at doing is is when I went back and did the research, when you are looking at the document, page 21 has your fee comparison table.","start":1242.6901,"end":1251.885,"sentiment":"neutral","sentiment_score":0.17309736480584015},{"text":"So at the moment, your super balance is about 180,317.","start":1252.425,"end":1257.7251,"sentiment":"neutral","sentiment_score":0.13137561231851577},{"text":"Inside your super fund, you do have administration fees, investment fees.","start":1258.265,"end":1262.025,"sentiment":"neutral","sentiment_score":0.14051246101206},{"text":"Our ongoing service fee for us looking after things, which is 1.65 per annum, deducted in smaller monthly increments there for you, your contributions going in, and you've also got your insurance premiums coming out of this Visa Fund as well.","start":1262.025,"end":1275.1699,"sentiment":"neutral","sentiment_score":0.23654868181158856}],"sentiment":"neutral","sentiment_score":0.19716358974575995,"channel":0,"num_words":100,"start":1241.7301,"end":1275.1699},{"sentences":[{"text":"When","start":1275.5499,"end":1275.7899,"sentiment":"positive","sentiment_score":0.37467625737190247}],"sentiment":"positive","sentiment_score":0.37467625737190247,"channel":0,"num_words":1,"start":1275.5499,"end":1275.7899},{"sentences":[{"text":"Yep.","start":1275.735,"end":1276.14,"sentiment":"neutral","sentiment_score":0.24130147695541385}],"sentiment":"neutral","sentiment_score":0.24130147695541385,"channel":1,"num_words":1,"start":1275.735,"end":1276.14},{"sentences":[{"text":"we looked at the the older high growth portfolio and the way you were invested, invested over the past five years, those investments have averaged about 11.56%, which is great.","start":1275.7899,"end":1287.0951,"sentiment":"neutral","sentiment_score":0.32388194700082146},{"text":"It's a good return to average over that time frame.","start":1287.0951,"end":1289.755,"sentiment":"positive","sentiment_score":0.6237506091594696},{"text":"But when we","start":1289.9751,"end":1290.4551,"sentiment":"neutral","sentiment_score":0.05615511039892832}],"sentiment":"positive","sentiment_score":0.37494022867014243,"channel":0,"num_words":43,"start":1275.7899,"end":1290.4551},{"sentences":[{"text":"Mhmm.","start":1290.38,"end":1290.855,"sentiment":"neutral","sentiment_score":0.02514866180717945}],"sentiment":"neutral","sentiment_score":0.02514866180717945,"channel":1,"num_words":1,"start":1290.38,"end":1290.855},{"sentences":[{"text":"kind of look at the history of the newer investment portfolio, which is giving you more diversification, it's actually averaged to that 12.22%.","start":1290.4551,"end":1298.43,"sentiment":"neutral","sentiment_score":0.09927250396298326},{"text":"So it has achieved a much higher rate of return over the past five years on an average, which means if it can get that same sort of return moving forward each year over the next five to nine years, you could end up with about 340,000 or over the age of 60 in about nine years' time, around about 530,000 there.","start":1298.43,"end":1317.825,"sentiment":"neutral","sentiment_score":0.30705922962196414},{"text":"So it does depend","start":1317.825,"end":1318.945,"sentiment":"neutral","sentiment_score":0.049992332234978676}],"sentiment":"neutral","sentiment_score":0.2418079680522506,"channel":0,"num_words":89,"start":1290.4551,"end":1318.945},{"sentences":[{"text":"Okay.","start":1318.6799,"end":1319.1799,"sentiment":"neutral","sentiment_score":0.0023747235536575317}],"sentiment":"neutral","sentiment_score":0.0023747235536575317,"channel":1,"num_words":1,"start":1318.6799,"end":1319.1799},{"sentences":[{"text":"upon how much it reacts, and I always suggest take the projections as a grain of salt because it's basically saying this is how the portfolio has returned.","start":1318.945,"end":1328.2799,"sentiment":"neutral","sentiment_score":-0.0443284274744136},{"text":"If you're able to achieve the same level of return moving forward, this is where you can see yourself.","start":1328.34,"end":1333.7999,"sentiment":"neutral","sentiment_score":0.24163005383391128},{"text":"But there's also no guarantees, and I don't want you to be in a high growth portfolio right up until the day you retire.","start":1334.34,"end":1340.12,"sentiment":"negative","sentiment_score":-0.37740270607173443},{"text":"So we will start to pull things back a little bit, which can affect the projected outcome.","start":1340.535,"end":1344.795,"sentiment":"neutral","sentiment_score":-0.26066146352711844},{"text":"But, honestly, as long as we can get, you know, a good 10 to 12% return, even in a balanced portfolio when we reduce risk back a little bit, even in those with the lower risk portfolios, you can still achieve a 10 or 12 or 15% return on a good year as 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careful.","start":1363.5,"end":1364.9401,"sentiment":"neutral","sentiment_score":-0.07088825525715947},{"text":"It's not a guaranteed return.","start":1364.9401,"end":1366.4801,"sentiment":"neutral","sentiment_score":-0.19419034719467163},{"text":"It's just projected based on the current circumstances, and","start":1366.54,"end":1369.9551,"sentiment":"neutral","sentiment_score":-0.06358885599507226}],"sentiment":"neutral","sentiment_score":-0.06586621069060318,"channel":0,"num_words":29,"start":1361.18,"end":1369.9551},{"sentences":[{"text":"Yep.","start":1369.93,"end":1370.43,"sentiment":"neutral","sentiment_score":-0.03378578647971153}],"sentiment":"neutral","sentiment_score":-0.03378578647971153,"channel":1,"num_words":1,"start":1369.93,"end":1370.43},{"sentences":[{"text":"markets do change.","start":1369.9551,"end":1370.915,"sentiment":"neutral","sentiment_score":-0.08954477806886037},{"text":"I think this year taught us all 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to make sure I'm very open and honest with.","start":1385.43,"end":1387.83,"sentiment":"neutral","sentiment_score":-0.02619114741683006},{"text":"Yeah.","start":1387.83,"end":1388.33,"sentiment":"neutral","sentiment_score":0.030151288956403732}],"sentiment":"neutral","sentiment_score":-0.021069107746536083,"channel":0,"num_words":11,"start":1385.43,"end":1388.33},{"sentences":[{"text":"Yeah.","start":1388.155,"end":1388.395,"sentiment":"neutral","sentiment_score":0.051517367362976074},{"text":"Yeah.","start":1388.395,"end":1388.555,"sentiment":"neutral","sentiment_score":0.0692138522863388},{"text":"Yeah.","start":1388.555,"end":1388.795,"sentiment":"neutral","sentiment_score":0.10397788882255554},{"text":"I 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all?","start":1473.63,"end":1475.23,"sentiment":"neutral","sentiment_score":0.026645412435755134},{"text":"Is it","start":1475.23,"end":1475.89,"sentiment":"neutral","sentiment_score":-0.004060894483700395}],"sentiment":"neutral","sentiment_score":0.037738216704585485,"channel":0,"num_words":18,"start":1471.71,"end":1475.89},{"sentences":[{"text":"No.","start":1475.91,"end":1476.15,"sentiment":"neutral","sentiment_score":-0.09482163190841676},{"text":"No.","start":1476.15,"end":1476.47,"sentiment":"neutral","sentiment_score":-0.14092813432216644},{"text":"I'm keeping up, but I've got 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recommending that we do sell that just to try and get as much","start":1487.955,"end":1491.635,"sentiment":"neutral","sentiment_score":0.0535365389112164}],"sentiment":"neutral","sentiment_score":0.0535365389112164,"channel":0,"num_words":17,"start":1487.955,"end":1491.635},{"sentences":[{"text":"Yeah.","start":1491.565,"end":1492.065,"sentiment":"neutral","sentiment_score":0.0302922073751688}],"sentiment":"neutral","sentiment_score":0.0302922073751688,"channel":1,"num_words":1,"start":1491.565,"end":1492.065},{"sentences":[{"text":"as we can in the super now and compound forward, but it just comes down to what you can afford as well, and I understand that.","start":1491.635,"end":1497.99,"sentiment":"neutral","sentiment_score":0.08068173092145187},{"text":"The cost of living 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just retaining your current insurance level, your current premium paid out of through today.","start":1543.125,"end":1548.1649,"sentiment":"neutral","sentiment_score":0.24289305601269007},{"text":"You've got your licensed CBD policy with me.","start":1548.1649,"end":1550.985,"sentiment":"neutral","sentiment_score":0.2280229777097702},{"text":"The current sum insured for your life is 623,432.","start":1551.14,"end":1555.9401,"sentiment":"neutral","sentiment_score":0.1630595458878411}],"sentiment":"neutral","sentiment_score":0.1993264402060405,"channel":0,"num_words":46,"start":1538.645,"end":1555.9401},{"sentences":[{"text":"You've got the same level of TDD then.","start":1555.9401,"end":1558.28,"sentiment":"neutral","sentiment_score":0.12878543697297573},{"text":"I think one of the things we were looking at down the track was reassessing the life and TDD limits to make sure it was meting your 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things are going and maybe book it a time for us to catch up with regard to the insurances at that point.","start":1826.8201,"end":1840.0449,"sentiment":"neutral","sentiment_score":0.11325036245779913},{"text":"Does that sound okay?","start":1840.0449,"end":1841.1849,"sentiment":"neutral","sentiment_score":0.0983734056353569}],"sentiment":"neutral","sentiment_score":0.11195006639216885,"channel":0,"num_words":66,"start":1826.42,"end":1841.1849},{"sentences":[{"text":"Yeah.","start":1841.255,"end":1841.415,"sentiment":"neutral","sentiment_score":0.11281891167163847},{"text":"Actually, that sounds like a good idea.","start":1841.415,"end":1842.8551,"sentiment":"positive","sentiment_score":0.3354436159133911},{"text":"Yeah.","start":1842.8551,"end":1843.0951,"sentiment":"neutral","sentiment_score":0.14749138057231903},{"text":"Let's do 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going?","start":1856.29,"end":1857.4299,"sentiment":"neutral","sentiment_score":0.1687415950000286},{"text":"Oh, that sounds good.","start":1857.57,"end":1858.5499,"sentiment":"positive","sentiment_score":0.4040157347917557}],"sentiment":"neutral","sentiment_score":0.28637866489589214,"channel":1,"num_words":8,"start":1856.29,"end":1858.5499},{"sentences":[{"text":"It is fantastic.","start":1858.5801,"end":1860.3601,"sentiment":"positive","sentiment_score":0.5472273627916971},{"text":"I thank you so much for your time today, Chris.","start":1860.7401,"end":1862.66,"sentiment":"positive","sentiment_score":0.8358003914356231},{"text":"I will let you go, and I hope you have a lovely evening.","start":1862.66,"end":1865.3201,"sentiment":"positive","sentiment_score":0.7441932008816645},{"text":"I'll","start":1865.8601,"end":1866.02,"sentiment":"neutral","sentiment_score":0.2554759383201599}],"sentiment":"positive","sentiment_score":0.738136057500486,"channel":0,"num_words":27,"start":1858.5801,"end":1866.02},{"sentences":[{"text":"Yep.","start":1865.89,"end":1866.39,"sentiment":"neutral","sentiment_score":0.151400625705719}],"sentiment":"neutral","sentiment_score":0.151400625705719,"channel":1,"num_words":1,"start":1865.89,"end":1866.39},{"sentences":[{"text":"get Samantha to follow-up in the next day or two just to see if that document's come through and if you're able to read it.","start":1866.02,"end":1871.495,"sentiment":"neutral","sentiment_score":0.13663518875837327},{"text":"If you still can't see it, we'll just try to resend it via another electronic 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They recommend increasing salary and reducing risk levels to achieve retirement goals and offer advice on reducing risk levels and staying with Net adverse. The speakers emphasize the importance of diversification and reducing risk levels to avoid large losses and offer recommendations for income protection and service fees. They emphasize the importance of updating retirement advice and scheduling follow-up meetings with clients."},"intents":{"segments":[{"text":"I'm just sending an email with the document attached. Are you able to open that one and review the document with me at all?","start_word":53,"end_word":76,"intents":[{"intent":"Review document","confidence_score":0.2579142},{"intent":"Review statement","confidence_score":0.006028673}]},{"text":"And so just while that is going ahead, I would just let you know we do record our calls for quality and training purposes. Are you okay for me to proceed with that? Yep.","start_word":163,"end_word":196,"intents":[{"intent":"Record calls","confidence_score":0.35423273}]},{"text":"I postponed it on due to go in early September to get that done. Okay.","start_word":284,"end_word":298,"intents":[{"intent":"Attend recovery","confidence_score":0.0029727193}]},{"text":"It's just fixing up a little bit of cartilage and stuff. yeah.","start_word":332,"end_word":343,"intents":[{"intent":"Fix cartilage","confidence_score":0.1952364}]},{"text":"We can come back, review Yep. the insurance. Let's look at what you're after, what you need, what your goals are, and update that for you. Okay? Okay.","start_word":415,"end_word":442,"intents":[{"intent":"Review insurance","confidence_score":0.76817447},{"intent":"Review","confidence_score":0.0008097599}]},{"text":"Let's look at what you're after, what you need, what your goals are, and update that for you. Okay? Okay.","start_word":423,"end_word":442,"intents":[{"intent":"Update goals","confidence_score":0.5533321}]},{"text":"So what we were sort of just asking last time was reassessing your sleep and the investments.","start_word":658,"end_word":674,"intents":[{"intent":"Reassessing sleep and investments","confidence_score":0.31630602}]},{"text":"So what we were sort of just asking last time was reassessing your sleep and the investments. We sort of have noticed there have been some changes in the market recently, and we wanted to go forward and just make some changes to your investments.","start_word":658,"end_word":702,"intents":[{"intent":"Making changes to investments","confidence_score":0.5951583}]},{"text":"That amount was kind of up and down a little bit, and I'm assuming it was depending on what you were earning or your income there. It looks Mhmm.","start_word":790,"end_word":818,"intents":[{"intent":"Reducing income level","confidence_score":0.000054753495}]},{"text":"Cost of living, I've had a few expenses yep. and stuff like that, so I feel my pinch a little Okay. bit.","start_word":850,"end_word":871,"intents":[{"intent":"Discussing financial challenges","confidence_score":0.0005007348}]},{"text":"realistically, as part of this, because you are nine years out from retirement, essentially, you're making your agent state currently, you are I am recommending that you do increase and do that salary sacrifice and make it $200 per week. Just because Okay.","start_word":930,"end_word":972,"intents":[{"intent":"Recommending reducing salary sacrifice","confidence_score":0.00005580186}]},{"text":"If you kinda look at things and say, look. I really can't do it at the moment, that's okay and understandable. You're allowed to say, I'm not taking that part of the advice. It's completely fine. Mhmm.","start_word":981,"end_word":1017,"intents":[{"intent":"Declining further efforts","confidence_score":0.000026093032},{"intent":"Expressing uncertainty about financial decisions","confidence_score":0.0002641715}]},{"text":"over the next, you know, nine, ten years works out much greater as an effect for you rather than starting five or six years later and only compounding it for about five to four years towards the retirement there. So Yep.","start_word":1046,"end_word":1086,"intents":[{"intent":"Assist with compounding and improving contributions","confidence_score":7.065163e-7}]},{"text":"But as part of the advice, I did go back, review things, look at where we're sort of tracking, and did recommend that you do increase the contributions a bit in the super. Okay. Yep.","start_word":1157,"end_word":1191,"intents":[{"intent":"Discuss tracking and making recommendations","confidence_score":0.00009877782}]},{"text":"Double check your junk mail there as well.","start_word":1373,"end_word":1380,"intents":[{"intent":"Check junk mail","confidence_score":0.75111145}]},{"text":"The Let email me just address double is ksRoe@OptusNet.com.au. check.","start_word":1399,"end_word":1408,"intents":[{"intent":"Check email address","confidence_score":0.32006383},{"intent":"Send email","confidence_score":0.00059605815},{"intent":"Confirm email","confidence_score":0.006114354}]},{"text":"The dreaded clear out of all the emails that bulk up.","start_word":1514,"end_word":1524,"intents":[{"intent":"Clear emails","confidence_score":0.6355249}]},{"text":"You're right.","start_word":1687,"end_word":1688,"intents":[{"intent":"End conversation","confidence_score":0.003284766}]},{"text":"If it doesn't open up properly in the next maybe day, let me know by Monday. I'm not in the office tomorrow, but I'll double check on Monday, and I'll get my colleague, Samantha, just to maybe touch base or send you an email or even just a text to see if it was able to open.","start_word":1775,"end_word":1831,"intents":[{"intent":"Check availability","confidence_score":0.003842248}]},{"text":"I'm not in the office tomorrow, but I'll double check on Monday, and I'll get my colleague, Samantha, just to maybe touch base or send you an email or even just a text to see if it was able to open.","start_word":1791,"end_word":1831,"intents":[{"intent":"Send email","confidence_score":0.063975625}]},{"text":"we'll try and resend it through another way for you because we also use Adobe Sign. It's just that Odesa sign is generally easier to use. So if it doesn't open, I can easily organize it to go through another way there for you. Okay? Yeah.","start_word":1836,"end_word":1881,"intents":[{"intent":"Organize website","confidence_score":0.0015659307}]},{"text":"So, essentially, I want to review Okay. the super fund that you're in as well as the investments.","start_word":2011,"end_word":2028,"intents":[{"intent":"Review portfolio","confidence_score":0.06544957}]},{"text":"In order Mhmm.","start_word":2157,"end_word":2159,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.0302737}]},{"text":"Active managers quite often don't beat the market, and this one has underperformed pretty heavily, has been a bit up and down since early twenty twenty with our COVID. So we decided this year it was worth getting rid of it. So we removed it out of everyone's portfolio originally.","start_word":2419,"end_word":2468,"intents":[{"intent":"Manage portfolios","confidence_score":0.01087794}]},{"text":"So we're gonna reweight and buy some more of that European exposure.","start_word":2757,"end_word":2768,"intents":[{"intent":"Reweight and buy european exposure","confidence_score":0.24999788},{"intent":"Rebalance investment","confidence_score":0.21304551},{"intent":"Rebalance portfolio","confidence_score":0.0076633436}]},{"text":"So we're gonna sell that one completely down to zero and just have it in the iShares Europe ETF to make it cost effective, but still give you access and exposure to the European companies and and markets. Mhmm.","start_word":2801,"end_word":2839,"intents":[{"intent":"Sell ishares etf","confidence_score":0.15977335},{"intent":"Sell ishares etf","confidence_score":0.23951195}]},{"text":"The MISCI can be a little bit more expensive than other ones, but this one has been performing really nicely, so I wanted to keep that for you just to limit the amount of tax your super fund has Mhmm.","start_word":2863,"end_word":2902,"intents":[{"intent":"Limit tax","confidence_score":0.6988817}]},{"text":"One of the biggest things we wanna look at and what I wanted to look at with you, Steve, was making sure that we can reduce as much risk as possible.","start_word":3040,"end_word":3070,"intents":[{"intent":"Reduce risk","confidence_score":0.10073788}]},{"text":"Essentially, you're rebalancing back to where you should be or what a certain equity should be at or is expected to be at. Over time, some investments grow faster or slower than others, which can overall change the risk of your portfolio. So rebalancing means selling a little of something or buying a little bit of something else to kind of bring you back to a certain weighting and to keep your risk level at a certain rate as well.","start_word":3371,"end_word":3450,"intents":[{"intent":"Maximize portfolio rebalancing","confidence_score":0.00028812446}]},{"text":"I think one of the things moving forward over the next nine to ten years as you get close to accessing so far is making sure we can diversify and reduce as much risk as possible.","start_word":3483,"end_word":3518,"intents":[{"intent":"Reduce risk and obtain maximum gains","confidence_score":0.0000108179465}]},{"text":"So we will start to pull things back a little bit, which can affect the projected outcome.","start_word":4145,"end_word":4161,"intents":[{"intent":"Rearrange goals","confidence_score":7.15747e-7}]},{"text":"But, honestly, as long as we can get, you know, a good 10 to 12% return, even in a balanced portfolio when we reduce risk back a little bit, even in those with the lower risk portfolios, you can still achieve a 10 or 12 or 15% return on a good year as well. So Okay.","start_word":4163,"end_word":4218,"intents":[{"intent":"Optimize portfolio growth","confidence_score":0.004060159}]},{"text":"So I was able to minimize that CGT massively, noting that your fund will only have to account for $686 in CGT to make those changes and rebalance your portfolio out for you as well. Okay.","start_word":4527,"end_word":4562,"intents":[{"intent":"Optimize portfolio balance","confidence_score":0.012543897}]},{"text":"because it is time to renew your ongoing service agreement as well, I've attached a new agreement there for the next Mhmm. twelve months just to reconfirm.","start_word":5148,"end_word":5174,"intents":[{"intent":"Renew service agreement","confidence_score":0.002250041}]},{"text":"If you get stuck and forget, you can just let me know, and I can always make a little note in your file with what you wanna change or alter for you Okay. as well.","start_word":5250,"end_word":5284,"intents":[{"intent":"Provide assistance","confidence_score":0.004771654}]},{"text":"make sure your super is working harder for you, and if that's Yep. what's putting in super every now and then do need to be updated. So it's well worth making sure that we're keeping you on track and making sure your suit is working as hard as it possibly can. You've worked hard for your money, so it should be doing the exact same thing for you at the end of the day. Yeah.","start_word":5315,"end_word":5389,"intents":[{"intent":"Update super","confidence_score":0.48853213}]},{"text":"I love the educational part of my job as well as looking and updating the advice. I mean, you just I want you to have the best time possible. And here at IFU, I do a lot of that retirement advice looking at, you know, tracking over time of what that looks like in in retirement, how do we draw down, do we get counseling, and things like that. So I Mhmm.","start_word":5469,"end_word":5540,"intents":[{"intent":"Provide advice","confidence_score":0.042347237}]},{"text":"definitely wanna make sure I look after you moving forward that you get the best possible retirement because you will have worked a whole lifetime by the time you get there, and then you've got a whole lifetime in retirement as well. So Yeah.","start_word":5541,"end_word":5584,"intents":[{"intent":"Look after retirement","confidence_score":0.065719366}]},{"text":"I just wanted to sort of before I let you go, just to reconfirm, do you want me to do a bit of a catch up with you in maybe three or six months, or when would you like the next catch up to be? Let's say six months.","start_word":5755,"end_word":5803,"intents":[{"intent":"Schedule inspection","confidence_score":0.0002080491}]}]},"sentiments":{"segments":[{"text":"Hi. Chris speaking. Hi, Christopher. It's Dana from Oakview Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1294775754213333},{"text":"Good morning, Stanley.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.35342198610305786},{"text":"How are you?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.31474244594573975},{"text":"I'm very well. Thank you.","start_word":22,"end_word":26,"sentiment":"positive","sentiment_score":0.6358569860458374},{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? It is. Yep.","start_word":27,"end_word":51,"sentiment":"neutral","sentiment_score":0.28983092308044434},{"text":"Fantastic.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.5830909013748169},{"text":"I'm just sending an email with the document attached. Are you able to open that one and review the document with me at all? If you can't, that's okay. Yeah. I'm gonna have to do it on this file. That's okay. If you can't, I can always run through it. This is often easier Yep. because they're talking that you're super in reviewing the investment. It can be a lot for me to sort of talk at you. So if you're able to, it is easier for you. That's all. Yeah. Okay. Give me a sec. I'll see if we can get more computer running. That's okay. You're absolutely fine. And so just while that is going ahead, I would just let you know we do record our calls for quality and training purposes. Are you okay for me to proceed with that? Yep. Absolutely. No worries at all.","start_word":53,"end_word":201,"sentiment":"neutral","sentiment_score":0.10212991386651991},{"text":"Fantastic. Excellent.","start_word":202,"end_word":203,"sentiment":"positive","sentiment_score":0.45998477935791016},{"text":"I'll do a quick security check there with you as well. Mhmm. I just need to confirm, sorry, your full name, your date of birth, and address I should have on file. Christopher John Rowe, '20 Yep. 04/05/0975, and '15 Yep. Lizardel Street, Charlotte Park.","start_word":204,"end_word":248,"sentiment":"neutral","sentiment_score":0.08294180780649185},{"text":"Beautiful. Thank you so much for that.","start_word":249,"end_word":255,"sentiment":"positive","sentiment_score":0.4332908093929291},{"text":"And how's everything going at the moment? I understand you've, having some surgery on your knee or you're having some treatment on your knee. How's that going? Yeah. I postponed it on due to go in early September to get that done. Okay. All good. Yeah. And I hope they're hoping or expecting full recovery after that? Or Oh, yeah. Yeah. It's but it's the recovery is long, but the surgery is a quick one. It's just fixing up a little bit of cartilage and stuff. yeah. Okay.","start_word":256,"end_word":343,"sentiment":"neutral","sentiment_score":-0.03334502029148015},{"text":"Well, hopefully, it'll go as well. Good to see.","start_word":344,"end_word":352,"sentiment":"positive","sentiment_score":0.4261843860149383},{"text":"I know one of the things we were trying to so that was the insurance side of things. We just have to sort of be held off for the time being. Once you've gone Mhmm. through that, you've got your appointments all sorted, the doctors are gone yet. No problem.","start_word":353,"end_word":402,"sentiment":"neutral","sentiment_score":-0.003426892217248678},{"text":"All good.","start_word":403,"end_word":404,"sentiment":"positive","sentiment_score":0.37977534532547},{"text":"You're you know, no more treatment required. Let me know. We can come back, review Yep. the insurance. Let's look at what you're after, what you need, what your goals are, and update that for you. Okay? Okay. Yep. No Excellent. worries. All good. Hopefully, you have no more pain. Sounds like you're in a bit of pain with that.","start_word":405,"end_word":464,"sentiment":"neutral","sentiment_score":0.06509322673082352},{"text":"That would be awful.","start_word":465,"end_word":468,"sentiment":"negative","sentiment_score":-0.41315528750419617},{"text":"Yeah. A little bit. Not constant pain, just range of Yeah. motion sort of restriction sort of more than the pain. Yeah. Yeah. Of course. And that would be that's just horrible. I mean, your knees they do a lot when you think about it. Exactly. Yeah. No. All good. I have How the world's are you going largest with computer. that? Yeah. I've No. got the You're world's largest fine. computer. You're honestly fine. Do not worry. I was trying to send documents out earlier, and the poor person I was talking to is like, not yet. I'm like, no. It's probably only either. Sorry. It's coming. It's all good. It's a lot of technology when it wants to work. Yes. Yep. That's okay. If you like, what I'll do is I can start running through things. I'll hold off the majority of it until you're ready to go. But Yep. I Mhmm. can start running through just updating your goals and things like that for you just to kinda give you an overview Okay. of where I was heading with this advice document. Okay? Yep.","start_word":469,"end_word":655,"sentiment":"neutral","sentiment_score":-0.01980355754494667},{"text":"Excellent.","start_word":656,"end_word":656,"sentiment":"positive","sentiment_score":0.3635042011737823},{"text":"So what we were sort of just asking last time was reassessing your sleep and the investments. We sort of have noticed there have been some changes in the market recently, and we wanted to go forward and just make some changes to your investments. You are getting closer to those retirement years. Your goal for super was that you were hoping to retire around about the age of of 60 and with a retirement Yep. income of about $1,000 per week to support your desired lifestyle. Does that still sound fairly appropriate for you? Yeah. I think so.","start_word":657,"end_word":755,"sentiment":"neutral","sentiment_score":0.18822906911373136},{"text":"Yep. All good.","start_word":756,"end_word":758,"sentiment":"positive","sentiment_score":0.490830272436142},{"text":"We've also had a look at the, you know, the additional salary sacrifice and things like that. Now when I had a look, last year, you were salary sacrificing into super. That amount was kind of up and down a little bit, and I'm assuming it was depending on what you were earning or your income there. It looks Mhmm. like coming back a little bit this year, those additional contributions haven't really been going in. Have you stopped that for this Yeah. year? Yeah. Or Yeah. I stopped it. Yeah. Cost of living, I've had a few expenses yep. and stuff like that, so I feel my pinch a little Okay. bit. No. That's okay. Just because one of the things we talked about was increasing the salary sacrifice and looking at trying to build on super a lot more. And back then, you had mentioned to me that you were comfortable increasing that by another $100 and doing about $200 on a weekly basis to sell that. So, Yeah. realistically, as part of this, because you are nine years out from retirement, essentially, you're making your agent state currently, you are I am recommending that you do increase and do that salary sacrifice and make it $200 per week. Just because Okay. starting now, if you can afford it look. If you kinda look at things and say, look.","start_word":759,"end_word":989,"sentiment":"neutral","sentiment_score":-0.04572148993611336},{"text":"I really can't do it at the moment, that's okay and understandable.","start_word":990,"end_word":1001,"sentiment":"negative","sentiment_score":-0.3614959120750427},{"text":"You're allowed to say, I'm not taking that part of the advice. It's completely fine. Mhmm.","start_word":1002,"end_word":1017,"sentiment":"neutral","sentiment_score":-0.1661667674779892},{"text":"But, realistically, trying to start that now rather than holding off a couple of years down the track actually does work out better for you.","start_word":1018,"end_word":1042,"sentiment":"positive","sentiment_score":0.35700953006744385},{"text":"So compounding Yeah. over the next, you know, nine, ten years works out much greater as an effect for you rather than starting five or six years later and only compounding it for about five to four years towards the retirement there.","start_word":1043,"end_word":1084,"sentiment":"neutral","sentiment_score":0.3231063485145569},{"text":"So Yep. if you are able to start doing it again, absolutely, I'm recommending that you definitely do.","start_word":1085,"end_word":1102,"sentiment":"positive","sentiment_score":0.6119897365570068},{"text":"If you only can start with something smaller, that's absolutely fine often Mhmm. because the cost of living has increased phenomenally. And you've got a lot going on at the moment as well. Mhmm. But if, yeah, you're only comfortable with, you know, $50 a week or a $100 a week, that's absolutely fine. But as part of the advice, I did go back, review things, look at where we're sort of tracking, and did recommend that you do increase the contributions a bit in the super. Okay. Yep. Yep. Okay.","start_word":1103,"end_word":1193,"sentiment":"neutral","sentiment_score":0.16616643965244293},{"text":"Excellent.","start_word":1194,"end_word":1194,"sentiment":"positive","sentiment_score":0.4349984526634216},{"text":"Now there can be some definite changes there. But as I said, on the very last page of this document, once you do get some time, sorry to go back and read it through. And we've also Mhmm. got, like, a square box that says multiline on it. If there's any part of the advice you're not comfortable taking or don't want to take on board, that's absolutely fine. Just write in there that you you know, if you don't wanna take the whole $200 of sales tax, so, you know, only sales tax only comfortable sales tax this month per week or fortnight or I don't wish to proceed with the salary sacrifice. If you just note that in there, we'll note that that's a change to advise that you don't wish to proceed with, and then we'll just make sure we skip that part of the strategy when we're helping you implement it. Yep. Yep. No worries. Okay?","start_word":1195,"end_word":1354,"sentiment":"neutral","sentiment_score":-0.004398943856358528},{"text":"Excellent. All good.","start_word":1355,"end_word":1357,"sentiment":"positive","sentiment_score":0.4433669149875641},{"text":"How's your computer going? Yeah. I'm in my emails, and Yep. nothing's showing up yet. Double check your junk mail there as well. Yeah. Just check that now. Nothing? No. No. No. It's definitely gone through. Sorry about that. That's right. The Let email me just address double is ksRoe@OptusNet.com.au. check. Yep. That's the one I have here. Yep. It is raining up here, so I don't know if that's having effect. It's not supposed to be raining up here. They were forecast rain. Let's have a look. That's the detail. Yep. I've got your email address correct. So I might just press resend and see if it comes through again. Sometimes the second link works better than the third link. Sorry about that. Yep. That's right. Looks like my email is getting close to being full as well, so I'm just gonna clear out a few. Here we go. Yep. Something's coming through now.","start_word":1358,"end_word":1512,"sentiment":"neutral","sentiment_score":-0.004027922211154815},{"text":"Perfect.","start_word":1513,"end_word":1513,"sentiment":"positive","sentiment_score":0.480402410030365},{"text":"The dreaded clear out of all the emails that bulk up. Yep. Are you good? Do you look at your emails every day and try to read what's there, or do you have a whole bunch of unread ones like I might? Yeah. No. I'd I'd check them on my phone, but it doesn't clear them out of the system. It's only when I go on the computer, and because my computer is so slow, I don't bother. No. You're good.","start_word":1514,"end_word":1594,"sentiment":"neutral","sentiment_score":-0.13152815401554108},{"text":"I'm really good with my work emails, but my personal ones, they're a shocker. It's horrible.","start_word":1595,"end_word":1610,"sentiment":"negative","sentiment_score":-0.3816350996494293},{"text":"Yeah. Okay. Yeah. I've got it here in front of me now. Perfect. So when you click, you'll see a top button that says sign or a click to sign. If you just click on that box, it lets you go forward so you can see the document. And on the front Okay. page, it should say statement of advice with your name as of the 08/06/2026. Yep. Doing something. It's just taking its time. Yeah. You're right. That's okay.","start_word":1611,"end_word":1690,"sentiment":"neutral","sentiment_score":0.023979538632556797},{"text":"No. I didn't like that for some reason. It's locked up.","start_word":1691,"end_word":1701,"sentiment":"negative","sentiment_score":-0.5083686709403992},{"text":"No. I don't know what's going on there. I've got a blank screen. It says, I view financial in the top corner powered by Odoo, Yeah. and that's about it. I got nothing else. Nothing else.","start_word":1702,"end_word":1737,"sentiment":"neutral","sentiment_score":-0.15959666669368744},{"text":"That's really bizarre.","start_word":1738,"end_word":1740,"sentiment":"negative","sentiment_score":-0.4677583575248718},{"text":"It's I definitely sent it. The link's definitely come through.","start_word":1741,"end_word":1750,"sentiment":"neutral","sentiment_score":-0.024109508842229843},{"text":"It's just not moving forward.","start_word":1751,"end_word":1755,"sentiment":"negative","sentiment_score":-0.3623981475830078},{"text":"I might it might just need some time. It what I can do is I'll go through the recommendations. If it doesn't open up properly in the next maybe day, let me know by Monday. I'm not in the office tomorrow, but I'll double check on Monday, and I'll get my colleague, Samantha, just to maybe touch base or send you an email or even just a text to see if it was able to open. If it's not, Okay. we'll try and resend it through another way for you because we also use Adobe Sign. It's just that Odesa sign is generally easier to use. So if it doesn't open, I can easily organize it to go through another way there for you. Okay? Yeah. Okay. Alright. I'll try to not I'll try to not confuse this for you and make it as easy as possible. We've already gone through the salary sacrifice recommendations. So you're welcome to sort of have a look at your expenditure and work out whether it's worthwhile or whether you're able to do that or not. Yep. But the Mhmm. other thing I did look at was making sure your superannuation is working harder for you. So you were in one of the older portfolios. We Yep. have over recent months removed the ban along Australian equities out of that because it was under performing as an investment, which Mhmm.","start_word":1756,"end_word":1991,"sentiment":"neutral","sentiment_score":0.06384335458278656},{"text":"has been good so far for you.","start_word":1992,"end_word":1998,"sentiment":"positive","sentiment_score":0.35610735416412354},{"text":"But I wanted to sort of make some other changes as well. So, essentially, I want to review Okay. the super fund that you're in as well as the investments. I am recommending you do stay with Netwealth. I did look at other funds out there. And while there are other platforms that might be cheaper, the biggest thing to think about when we're changing platforms is the taxation side of things. So your super fund, just like you, every year, it does a tax return. It pays income and capital gains tax. And if we were to sell down the total portfolio all the way to cash the movie to another platform, there's a much higher capital gains consequence for doing so. So we wanted to limit that where possible and just make sure that, you know, we are able to keep things working harder for you and have as little a tax impact on your funds. In order Mhmm. to settle down to move to another another platform, the total capital gains impact would have been about $5,336. So it doesn't Okay.","start_word":1999,"end_word":2182,"sentiment":"neutral","sentiment_score":-0.027318688838378243},{"text":"sound like much, but when when that comes off your super balance, it can take a bit longer for that to recover and to for it to make that money back.","start_word":2183,"end_word":2213,"sentiment":"negative","sentiment_score":-0.3340519368648529},{"text":"So Yep.","start_word":2214,"end_word":2215,"sentiment":"neutral","sentiment_score":0.1775500774383545},{"text":"I'm recommending you stay with Netwealth for the time being.","start_word":2216,"end_word":2225,"sentiment":"positive","sentiment_score":0.3591361343860626},{"text":"We'll keep reviewing that down the track. Another way we can, when you kinda hit those retirement years and you actually start working, there are ways that I can look to maybe change the platform and alter things without any capital gains consequences for you. So when you get to those times, we'll definitely have a look at what else we can do, and I Yep. can provide additional advice there to help maybe change the platform, reduce admin fees, and things like that there for you without those tax consequences. Okay? Okay. Yep. So what we're looking at within the portfolio there is I did wanna do a bit of a rebalance and did switch some of the investments around. So, essentially, at the moment, we replaced the Benelon Australian Equities and put the beta shares a 200 in there for you. Yep. The beta shares a 200 investment is a more passive investment. It tracks the top 200 companies on the ASX. Your Mhmm. older investment, the Benelon Australian Equities, that was an actively managed fund. So the investment manager was trying to outperform against the market. Couldn't always do that. Active managers quite often don't beat the market, and this one has underperformed pretty heavily, has been a bit up and down since early twenty twenty with our COVID. So we decided this year it was worth getting rid of it. So we removed it out of everyone's portfolio originally. You should have received the record of advice probably back in March letting you know Yeah. that Yeah. we were I making think that Carmen change is saying for that. you. Yep. Yeah.","start_word":2226,"end_word":2501,"sentiment":"neutral","sentiment_score":0.0694620089362497},{"text":"Oh, good. So we did that switch, and it has been working much better for you.","start_word":2502,"end_word":2517,"sentiment":"positive","sentiment_score":0.5427835583686829},{"text":"Bental Long Australian Equities also only held generally between 15 to 25 different investments within that that fund there. The a 200 actually is tracking 200 of the top Australian companies.","start_word":2518,"end_word":2548,"sentiment":"neutral","sentiment_score":0.15999315679073334},{"text":"So it's actually giving you more diversification. It's a cheaper investment, and it's a passive investment, so it's lower risk as well.","start_word":2549,"end_word":2570,"sentiment":"positive","sentiment_score":0.4391465187072754},{"text":"So we wanna keep that in there. At the moment, you've got about 37.62. You're a bit overexposed in Australian equity, so I wanna bring your exposure down a little bit, that's 25% maximum. So we're gonna sell a little bit of the a 200 and just bring you back down a little bit to 25% total there. Okay? Okay. Yep. You've also got the cybersecurity, a global cybersecurity, which is giving you access to cybersecurity across the entire globe. Essentially, Mhmm. you've got about 7.33% there. At the moment, we only wanna hold about 6%. So we're just gonna rebalance your portfolio back a little bit, sell some of that, and bring you back to 6%. Yep.","start_word":2571,"end_word":2688,"sentiment":"neutral","sentiment_score":0.02812422253191471},{"text":"Physical gold is done really, really well.","start_word":2689,"end_word":2695,"sentiment":"positive","sentiment_score":0.37775719165802},{"text":"At the moment, you've got about 3% physical gold in your portfolio. We wanna increase that exposure till about 7%, so we're gonna buy some more of that investment for you. Mhmm. You've also got some European ETFs, so access to the all 16 European countries there. We wanna hold about 9%. Your portfolio is showing currently only about 6.68%. So we're gonna reweight and buy some more of that European exposure. You've also got or did have the MISCE European exposure. We don't wanna double up and have two of them, and the MISCE is actually a little bit more expensive as an investment. So we're gonna sell that one completely down to zero and just have it in the iShares Europe ETF to make it cost effective, but still give you access and exposure to the European companies and and markets. Mhmm. We've also currently got the MISCI Japanese ETF.","start_word":2696,"end_word":2847,"sentiment":"neutral","sentiment_score":0.14326512578286624},{"text":"It's giving you exposure to the Japan market. It's still a great place to be.","start_word":2848,"end_word":2862,"sentiment":"positive","sentiment_score":0.5325466394424438},{"text":"The MISCI can be a little bit more expensive than other ones, but this one has been performing really nicely, so I wanted to keep that for you just to limit the amount of tax your super fund has Mhmm. to pay by me swapping around investments for you. You have a little over 5% exposure at the moment. We Okay. only wanna hold 5%, so we're selling just a small percent of that off. It's about 0.4% to be sold off. It's equates about a $160 to sell down that and rebalance you there. Yep. You've also got the S and P 500. This is tracking the top 500 companies across the American asset as of the American market. Mhmm. You hold about 30% there at the moment. 30.02%. We wanna hold about 35% of this investment, so we need to buy a little bit to rebalance you up a little bit there. And Okay. then we've also got an inclusion of the All World Vanguard ex US investment. This is tracking essentially the entire globe. One of the biggest things we wanna look at and what I wanted to look at with you, Steve, was making sure that we can reduce as much risk as possible. We can't reduce a 100% of all the risks that have been invested, but having diversification helps to reduce market risk. And being diversified across the globe, it gives you access to exposure to all the markets, all the established markets, but also any up and coming markets as well. So the Vanguard All World ex US investment, which we're gonna include about 8% in your portfolio, helps Mhmm.","start_word":2863,"end_word":3139,"sentiment":"neutral","sentiment_score":0.13723544550501482},{"text":"to diversify you across the entire globe there.","start_word":3140,"end_word":3147,"sentiment":"positive","sentiment_score":0.4297005236148834},{"text":"It is ex US. It doesn't hold any of The US market, and that's because we have 35% iShares f and c 500. So we don't wanna Yep. overexpose you. We think 35% is enough for The US to hold anymore. We're just doubling up on things.","start_word":3148,"end_word":3194,"sentiment":"neutral","sentiment_score":0.03904765471816063},{"text":"Yep. Makes perfect sense.","start_word":3195,"end_word":3198,"sentiment":"positive","sentiment_score":0.48107603192329407},{"text":"And then you're yeah. And then you're in that high growth environment. So, generally, that feeds about 90% in those growth investments and then around about five to 10% in low risk defensive investments like bonds and fixed interest. We still wanna Mhmm. hold some bonds. We're holding core composite bonds. And at the moment, you don't really have any in there, so we're gonna add about 5% in there for you to give you some more defensive investments, and that's just Yep.","start_word":3199,"end_word":3281,"sentiment":"neutral","sentiment_score":0.22674979269504547},{"text":"making sure you do have some low risk cash producing bonds are really great. Their income, they pay out regular income payments that get paid into your cash account and reinvested back into your portfolio as well for compounding. So we're gonna include about 5% of that in your portfolio.","start_word":3282,"end_word":3331,"sentiment":"positive","sentiment_score":0.4827213287353515},{"text":"All in all, this portfolio kind of rebalances things a little bit, so it's really important to make sure we Okay. do do rebalances pretty you know, not as much of every year, but as often as needed. Mhmm. Essentially, you're rebalancing back to where you should be or what a certain equity should be at or is expected to be at. Over time, some investments grow faster or slower than others, which can overall change the risk of your portfolio. So rebalancing means selling a little of something or buying a little bit of something else to kind of bring you back to a certain weighting and to keep your risk level at a certain rate as well. So that's what we're sort of wanting to do with this portfolio, but I I included a few additional investments there to make sure we're giving you as much diversification as possible. I think one of the things moving forward over the next nine to ten years as you get close to accessing so far is making sure we can diversify and reduce as much risk as possible. You're about nine years out at the moment. I would want to, in the next couple of years as well, start to reduce you back out of that high growth environment just Mhmm. Yep. because at the moment, you're okay. The high growth environment suits someone who's about eight years away from accessing their money. When you get Mhmm. closer and closer to especially with the kind of volatility we have seen this year, you do risk then if you stay in that high growth environment, risking accessing your funds at a downtime or seeing a large dip that could affect you trying to access your money, meaning you might cement those losses a bit more. So Yep. as we get closer, I definitely wanna maybe talk about reducing your risk level. But for the next twelve months, we're okay to sort of stay where we are and just look at trying to obtain as money as much in the way of gains as possible moving forward. Does that make sense? Okay. And do you have any questions? Yeah. No. That makes perfect sense, and no questions That yet. feels good? Yep.","start_word":3332,"end_word":3710,"sentiment":"neutral","sentiment_score":0.04607022217521567},{"text":"Fantastic. All good.","start_word":3711,"end_word":3713,"sentiment":"positive","sentiment_score":0.5085005164146423},{"text":"With your cash account at the moment, you've got about 4.80% there. So it's equates to about $8,000. In your super fund, you don't wanna hold much in the way of cash. You wanna have as much money as possible invested in the portfolio. So Mhmm. I'm gonna Yep. take about $6,800 there and invest that into the above portfolio for you. We only wanna hold about 1%, essentially. Keeping money in your cash account doesn't get you returns. It actually costs you money to have it that you don't get much in the way of the cash rate. So Okay. Yep.","start_word":3714,"end_word":3815,"sentiment":"neutral","sentiment_score":0.046447254717350006},{"text":"I wanna make sure we invest as much of that as possible and just hold the minimum cash requirement.","start_word":3816,"end_word":3834,"sentiment":"positive","sentiment_score":0.3380395770072937},{"text":"Okay? Okay.","start_word":3835,"end_word":3836,"sentiment":"neutral","sentiment_score":0.2142294645309448},{"text":"Yep. Excellent.","start_word":3837,"end_word":3838,"sentiment":"positive","sentiment_score":0.590854823589325},{"text":"Now the kind of the main reason we're sort of looking at doing is is when I went back and did the research, when you are looking at the document, page 21 has your fee comparison table. So at the moment, your super balance is about 180,317. Inside your super fund, you do have administration fees, investment fees. Our ongoing service fee for us looking after things, which is 1.65 per annum, deducted in smaller monthly increments there for you, your contributions going in, and you've also got your insurance premiums coming out of this Visa Fund as well. When Yep.","start_word":3839,"end_word":3939,"sentiment":"neutral","sentiment_score":0.19170771539211273},{"text":"we looked at the the older high growth portfolio and the way you were invested, invested over the past five years, those investments have averaged about 11.56%, which is great. It's a good return to average over that time frame.","start_word":3940,"end_word":3979,"sentiment":"positive","sentiment_score":0.427860289812088},{"text":"But when we Mhmm. kind of look at the history of the newer investment portfolio, which is giving you more diversification, it's actually averaged to that 12.22%. So it has achieved a much higher rate of return over the past five years on an average, which means if it can get that same sort of return moving forward each year over the next five to nine years, you could end up with about 340,000 or over the age of 60 in about nine years' time, around about 530,000 there. So it does depend Okay. upon how much it reacts, and I always suggest take the projections as a grain of salt because it's basically saying this is how the portfolio has returned. If you're able to achieve the same level of return moving forward, this is where you can see yourself.","start_word":3980,"end_word":4120,"sentiment":"neutral","sentiment_score":0.1717604398727417},{"text":"But there's also no guarantees, and I don't want you to be in a high growth portfolio right up until the day you retire.","start_word":4121,"end_word":4144,"sentiment":"negative","sentiment_score":-0.3745891749858856},{"text":"So we will start to pull things back a little bit, which can affect the projected outcome.","start_word":4145,"end_word":4161,"sentiment":"neutral","sentiment_score":-0.26362112164497375},{"text":"But, honestly, as long as we can get, you know, a good 10 to 12% return, even in a balanced portfolio when we reduce risk back a little bit, even in those with the lower risk portfolios, you can still achieve a 10 or 12 or 15% return on a good year as well.","start_word":4162,"end_word":4215,"sentiment":"positive","sentiment_score":0.5012226104736328},{"text":"So Okay. definitely not saying you can't get to that point. I'm just saying just be careful. It's not a guaranteed return. It's just projected based on the current circumstances, and Yep. markets do change. I think this year taught us all that. Anyone who wasn't aware could see markets going up and down, and I had a lot of very difficult conversations with people this year about how they were feeling in those high growth environment. So Yeah. it's just No. something I I understand. like to make sure I'm very open and honest with. Yeah. Yeah. Yeah. Yeah. I understand.","start_word":4216,"end_word":4317,"sentiment":"neutral","sentiment_score":-0.07843334972858429},{"text":"Excellent. One of the things I kinda mentioned before with the changes I wanna make to your portfolio is that it does save you in fees. So it is a lower fee. It's actually a cheaper portfolio.","start_word":4318,"end_word":4354,"sentiment":"positive","sentiment_score":0.4169226884841919},{"text":"When we look at your investment fees, your older portfolio, you're paying about $444 in investment fees there. This newer portfolio reduced those fees to about Mhmm. $327.","start_word":4355,"end_word":4382,"sentiment":"neutral","sentiment_score":0.27003347873687744},{"text":"So you're actually saving about a $117 in investment fees there. Doesn't sound like a lot, but when you contact that over the next sort of five to ten years and have that money invested, if it's earning a 12% return, it can essentially grow to a much greater return for you.","start_word":4383,"end_word":4434,"sentiment":"positive","sentiment_score":0.3819526135921478},{"text":"Okay. So Yeah. any kind Absolutely. of fee savings, I mean, that's more money invested for you long term. Exactly. Yeah. Yep. Yeah. The other thing I looked at was the capital gains consequences. As I kinda mentioned before, a full sell down meant that you would have a CGT bill inside super, not for you personally, but the CGT accounted for inside super was a bit over $5 there. By making these changes that I've gone through now, the CGT your super fund would have to account for is $686.","start_word":4435,"end_word":4525,"sentiment":"neutral","sentiment_score":0.09679373353719713},{"text":"So I was able to minimize that CGT massively, noting that your fund will only have to account for $686 in CGT to make those changes and rebalance your portfolio out for you as well.","start_word":4526,"end_word":4560,"sentiment":"positive","sentiment_score":0.5568134784698486},{"text":"Okay. Okay. Do you have any questions at the moment? Did you wanna ask me anything at all? Is it No. No. I'm keeping up, but I've got no no? questions yet. No. No. That's okay.","start_word":4561,"end_word":4596,"sentiment":"neutral","sentiment_score":-0.02831924892961979},{"text":"You're all good.","start_word":4597,"end_word":4599,"sentiment":"positive","sentiment_score":0.403136134147644},{"text":"Obviously, the projection table does include your salary sacrifice as well. So I did Yeah. wanna Okay. reiterate that I am recommending that we do sell that just to try and get as much Yeah. as we can in the super now and compound forward, but it just comes down to what you can afford as well, and I understand that. The cost of living has Yep. gone exorbitantly high. So it's all understandable, and you just do what you're comfortable with. If Yep. you decide you're not comfortable sales that, that's okay. I can work with that. We can kinda look at it again. If you're comfortable starting smaller, I've I've started working with a lot of people trying to get them to to do 10, so it's 20 or $50 on a weekly basis and just start smaller and build it up over time as well just so they can kinda get used to the difference in their income. Yep. And that's also you know, can make a bit of a difference for you as well. But I will work with whatever your comfort level is. It could definitely have changed since our last conversation. Okay. Yeah. Yep.","start_word":4600,"end_word":4799,"sentiment":"neutral","sentiment_score":0.07597091048955917},{"text":"All good.","start_word":4800,"end_word":4801,"sentiment":"positive","sentiment_score":0.4562232494354248},{"text":"There's no new recommendation for the insurance side of things now. We are just retaining your current insurance level, your current premium paid out of through today. You've got your licensed CBD policy with me. The current sum insured for your life is 623,432. You've got the same level of TDD then. I think one of the things we were looking at down the track was reassessing the life and TDD limits to make sure it was meting your goal. But we were also looking at trying to get you some income protection there, which is hard to be put on hold for the moment. But when there's things settled down a bit for you, let me know.","start_word":4802,"end_word":4919,"sentiment":"neutral","sentiment_score":0.1254593293671891},{"text":"We can come back and definitely have that conversation and look at what kind of income protection you might be able to get, what that might look for you as well, the cost and everything for you as well.","start_word":4920,"end_word":4958,"sentiment":"positive","sentiment_score":0.34578970074653625},{"text":"Okay? Okay. Yep.","start_word":4959,"end_word":4961,"sentiment":"neutral","sentiment_score":0.19831328094005585},{"text":"Yep. Excellent.","start_word":4962,"end_word":4963,"sentiment":"positive","sentiment_score":0.5598139762878418},{"text":"When you do get to look at the documents there, if you just sort of take some time to read it over, I have outlined all the recommendations, the advantages, disadvantages, the risks involved. I've gone through some of those with you already, but there's definitely more outlined there, and then also any alternatives that I have considered as part of the advice. We do also attach the appendices for you, which outlines a lot of the research completed. And depending on how much you like to read and how much downtime you're gonna have after your surgery, I've Mhmm. also got the NEOs and the the PDF documents for your super fund for Netwealth as well. So you're welcome to run Okay. your eyes over those, have a read of the documents. Yeah. Not everyone's that keen on reading them, but you've got some time on your end. Yeah. I'm about to And have some then we've time, also so, yeah, I have a read. and then you've also got your the Oakview Financial Services guide there for you as well. And Yep. because it is time to renew your ongoing service agreement as well, I've attached a new agreement there for the next Mhmm. twelve months just to reconfirm. So if you're happy to proceed with everything, I'll get you to sign and return the documents, Yep. sign the ongoing service agreement back, and we can go forward, do the investment switch for you. And and as I kinda said, on the very last page, if you decide you wanna alter the sales back or not go ahead with it or make any changes, just make a little note in that box there. If you get stuck and forget, you can just let me know, and I can always make a little note in your file with what you wanna change or alter for you Okay. as well. Okay. Yep. Yeah. No worries Easy. at all. That is that is basically all I wanted to go through with you just to kind of update things. I just wanna Mhmm. make sure your super is working harder for you, and if that's Yep. what's putting in super every now and then do need to be updated. So it's well worth making sure that we're keeping you on track and making sure your suit is working as hard as it possibly can. You've worked hard for your money, so it should be doing the exact same thing for you at the end of the day. Yeah. Yep. Do you do you have any questions for me at the moment? Is there anything that's No. kinda I don't. come to mind thus far? No. No No. questions. You've answered most of anything. I would have had Okay. it to query, and, yeah, I'm actually quite happy with what you guys are doing. I think sleep Oh, thank is tracking you.","start_word":4964,"end_word":5452,"sentiment":"neutral","sentiment_score":0.1555444000323126},{"text":"quite Appreciate well.","start_word":5453,"end_word":5455,"sentiment":"positive","sentiment_score":0.33729180693626404},{"text":"So that. yeah. Yeah.","start_word":5456,"end_word":5459,"sentiment":"neutral","sentiment_score":0.1741914451122284},{"text":"Perfect. Thank you so much. I really enjoy this. I love the educational part of my job as well as looking and updating the advice. I mean, you just I want you to have the best time possible.","start_word":5460,"end_word":5497,"sentiment":"positive","sentiment_score":0.6188650727272034},{"text":"And here at IFU, I do a lot of that retirement advice looking at, you know, tracking over time of what that looks like in in retirement, how do we draw down, do we get counseling, and things like that. So I Mhmm.","start_word":5498,"end_word":5540,"sentiment":"neutral","sentiment_score":0.28499335050582886},{"text":"definitely wanna make sure I look after you moving forward that you get the best possible retirement because you will have worked a whole lifetime by the time you get there, and then you've got a whole lifetime in retirement as well.","start_word":5541,"end_word":5582,"sentiment":"positive","sentiment_score":0.3919725120067597},{"text":"So Yeah.","start_word":5583,"end_word":5584,"sentiment":"neutral","sentiment_score":0.32648250460624695},{"text":"it's gotta you know, it'll be the best gig of your life.","start_word":5585,"end_word":5596,"sentiment":"positive","sentiment_score":0.41240546107292175},{"text":"It should Yeah. be at least I'd say. No. anyway. I'm I'm I'm All confident good. you guys have done the right thing for me, and, yeah, Thank no. I'm you.","start_word":5597,"end_word":5627,"sentiment":"neutral","sentiment_score":0.2564820993331171},{"text":"happy. Oh, fantastic. Well, it's good to know that you are happy with everything.","start_word":5628,"end_word":5641,"sentiment":"positive","sentiment_score":0.6701629161834717},{"text":"Essentially, we do work under the best interest duty, which is part of the corporations act. So my job is to look after you. If at any point in time, under best interest duty and under the corporations act, if your best interest comes into conflict of that with OP Financial, I have to put your needs above my employer.","start_word":5642,"end_word":5701,"sentiment":"neutral","sentiment_score":0.1846602559089661},{"text":"So I would do everything I can to look after you and make sure that, you know, your goals are met and that we're doing the right thing.","start_word":5702,"end_word":5729,"sentiment":"positive","sentiment_score":0.389509916305542},{"text":"So if you're Alright, Chris. ever needing any anything additional, any questions or concerns, flag it with me, more than happy to do so. Mhmm. I just wanted to sort of before I let you go, just to reconfirm, do you want me to do a bit of a catch up with you in maybe three or six months, or when would you like the next catch up to be? Let's say six months. Yep. Perfect. And with all I've got done, I've at the moment, I may forget to follow-up with the insurance and after the surgery and all that sort of thing. So, yeah, just a The reminder surgery then is meant we're good. to be in September. Yep. That's Mhmm. okay. Would you like me to maybe get someone to I can get one of my admin team members to give you a call maybe mid October just to see if it's something you wanna review then and see how things are going and maybe book it a time for us to catch up with regard to the insurances at that point. Does that sound okay? Yeah. Actually, that sounds like a good idea. Yeah. Let's do that. Yep.","start_word":5730,"end_word":5931,"sentiment":"neutral","sentiment_score":0.09741627424955368},{"text":"Beautiful.","start_word":5932,"end_word":5932,"sentiment":"positive","sentiment_score":0.44075244665145874},{"text":"And then I'll also put a six month catch up in there to look at the paper after the changes are made, Yep. which brings us up to about February twenty twenty seventh.","start_word":5933,"end_word":5965,"sentiment":"neutral","sentiment_score":0.16430889070034027},{"text":"That's incredible.","start_word":5966,"end_word":5967,"sentiment":"positive","sentiment_score":0.4941483438014984},{"text":"Where's the time going?","start_word":5968,"end_word":5971,"sentiment":"neutral","sentiment_score":0.168602854013443},{"text":"Oh, that sounds good. It is fantastic. I thank you so much for your time today, Chris. I will let you go, and I hope you have a lovely evening.","start_word":5972,"end_word":6001,"sentiment":"positive","sentiment_score":0.7111587435007095},{"text":"I'll Yep. get Samantha to follow-up in the next day or two just to see if that document's come through and if you're able to read it. If you still can't see it, we'll just try to resend it via another electronic signature Yep. platform for you. Okay. Okay? Yep. No worries at all.","start_word":6002,"end_word":6055,"sentiment":"neutral","sentiment_score":0.09102796763181686},{"text":"All good. All good. Thank you so much for your time. I appreciate you taking my call. I hope you have a good evening, and good Yeah. luck You with the too. surgery. I hope it's a safe recovery.","start_word":6056,"end_word":6094,"sentiment":"positive","sentiment_score":0.5857717394828796},{"text":"Yeah. Yeah.","start_word":6095,"end_word":6096,"sentiment":"neutral","sentiment_score":0.31087708473205566},{"text":"Thanks, Daniel. I appreciate your I appreciate your time. Not a problem at all. You have a lovely evening. Thank you so Will be. much.","start_word":6097,"end_word":6121,"sentiment":"positive","sentiment_score":0.6292814612388611},{"text":"No worries.","start_word":6122,"end_word":6123,"sentiment":"neutral","sentiment_score":0.289925754070282},{"text":"See you. Thanks. See you later.","start_word":6124,"end_word":6129,"sentiment":"positive","sentiment_score":0.4508926570415497},{"text":"Bye. Bye.","start_word":6130,"end_word":6131,"sentiment":"neutral","sentiment_score":0.20500075817108152}],"average":{"sentiment":"neutral","sentiment_score":0.1147462395752449}}}}