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I'll add that into the system. Thanks very much for that. And the main things we're going over, obviously, is the net wealth on the super, the Neos insurances, which is split between the out of pocket and the in super. And if you could just have a scroll through to ten and eleven for me, that's the risk profile section. Perfect. So we weren't doing any changes to your risk category at the moment. It was more just the engine tune up on the underlying investment. So, again, this will maintain that 90 to a 100% growth asset until such time as the super built to be enough. And then when you're close to retirement, we'll kind of step that back down from 90% to eighty, seventy, sixty, fifty, forty as you approach that kind of pension period. Now if you go past there, there's a bit of a wall of text on page 12 under strategy recommendation, and I just wanted to kind of summarize the key reasoning for the changes that I found. So main thing with Netwealth is we're obviously not looking at changing super funds right now. It still has one of the biggest investment menus, so we were able to get enough investments to switch in to get what we wanted. The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification. We're obviously not projecting your retirement outcome because that's a good eighteen years away and, obviously, too many variables in this situation to go that far out. Now if you go down to the next one, there's a table for advantages and disadvantages to be side by side. So the main disadvantage with all of the overview portfolios is we use ETF. And although they have the lowest investment fee ongoing, you do pay a small amount of brokerage to purchase them upfront. So we do have to factor that in when we do the projections. The main advantages is cutting down the investment fee, getting the performance fixed up over one, three, five, and ten years, and keeping you in line with that both the investment style and the risk level as well. Now if you go down past there, there's a few warnings. Most of those are just around usual market risks. Obviously, we can't control the weather, but we are picking and choosing the investment options for you. Alternatives, there was a few different portfolios we looked at, but I wanna just kinda walk you through the reasoning a little bit here. If you can go down to page 15, you'll see an investment table. So the main thing here is a little bit of a rebalance. If you can see the second last column under target weight, that's where you can see all the percentages. It kind of rounded off figures rather than the 29.19. They're actually round off amounts. So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold. The Bennelong is the second row. That's the one that's being sold off and replaced. In the middle, I have changed some of the satellites as well. We've got a decent amount of gains out of Europe and Japan, for example, but sort of economic outlook for those is not doing as well as some of the other areas that we wanna look at. So I have wanted to update a few of those alongside Benelon. Now the bottom rows is about five or six. These are the new inclusions in the portfolio. I'll just go top to bottom briefly. India is coming in because manufacturing switching over from China to India is a bit more of a long term place. Better health care in there as well. The Raffi Australia 200 and the Alfiniti Australian shares, those are your two replacement options for Benelon. So these are the ones where the fees reduced by 10% for one of them, 70% for the other compared to Benelon, and the performance over one, three, five in ten years. Rafi tracks the Australian market very, very closely, and Aclinity has outperformed the Australian market over those periods as well. So that'll fix that that sort of quarter portion up, and the rest of it will be carried by the international shares of gold. The only other thing that I've added in there is at the bottom, the core composite bond is gonna be your new defensive allocation. I just wanted to get a bit of cash that was piling up. When the market kind of crashed, there was some cash cooling off to the side. That stopped a lot of the drop in the fund around March, but I'm just gonna deploy that into some fixed interest, which is essentially just low risk, higher returns than cash, but it's not in shares or anything high risk. Now if you go past there, last couple of tables, page 17 has your colored pie chart for the asset allocation. And the main one to look at here is the middle row is grayed out for growth total. And, again, we're gonna keep you above 90%. You're sitting at 89 at the moment. Once we rebalance it, you'll be at 92. The cash gets deployed into the fixed interest, and that's the major change. I've dropped a little bit out of the Australian shares just because the economy is looking a bit rough with all the changes that are going on and interest rate rises. So we're just going a little bit heavier on the international side and alternatives. Cool. The outcomes themselves, next page, has your fee comparison. Now in that fee comparison table, easiest way to read this one is just go from the top right and go down that right hand column. So the balance, I've factored in there any kind of tackle gains tax that happens inside the super from switching all the investments around. We've put that in there already. And then below that, the investment fees go down from 1,800 to 1,100. So it's about a good 40% off there. That also does factor in those the taxes for salary sacrifice. So when you put that money into super, it gets taxed at 15% instead of your marginal rate, and that comes out of the super fund as well. Cool. The five year rolling average. Go for it. Beautiful. Beautiful. Just quickly flip down to I think what I was looking at to recommended was 200 at the time. So if you're comfortable with 300, mate, I'll keep that as is, and I'll update that in the background. Beautiful. The five year rolling average in performance, we get it back up into double digits, which, again, high growth, you need to be hitting 10% or above. Some good years, you'll be up fifteen, twenty, 25. Some bad years, you'll go down double digits, but the main thing is consistency. So if you look at the projection at the bottom again, take this with a little bit of grain of salt, but fixing up the return and the salary sacrifice, we're estimating that'll boost things up by about 1 to 300,000 over five and ten years. And the return table on the next page, I'm just trying to make sure I get all periods back into the double digit rather than just that kind of longer term. Wanna make sure that's still doing it pretty consistently. Outside of that, it goes through after that the salary sacrifice and the pros and cons of that, which is obviously pretax dollars, lower tax amount, more invested. But do you have any questions on the portfolio side of things at the moment? Perfect. So if you have a little scroll through, that salary sacrifice section, a lot of it's pretty general information. Does explain, obviously, not going over the cap of 32,500 for this financial year, which it should be fine. I don't see any major flags that you're gonna go over. Outside of that, it basically just ends with the estate planning. From pages 23 onwards, it just goes on the beneficiary nominations, making sure all that's fixed up. When you go to fill in the forms, we usually attach a cover letter with how to do it, but this document helps with that as well. So when you go to tick the box, you've got the binding nonmatching so that it stays legally binding and it doesn't expire. And then you can just tick relationship, percentage to nominate, put in their name, address, date of birth, and so on. Cool. Now with the there's usually some sort of blue purple buttons to move around the document and switch documents. Do you have any button there that says next document by any chance? Yeah. So when you hit click the star, it'll bring you to the bottom of this document to sign the authority to proceed. And there's a little bit of a box above it, which if you wanna vary any of the recommendations, you can type it in there. If you're happy with everything, you just put in n slash a and then go through to the the signature and the date stamp. Cool. Now the next one should be our financial services guide. Cool. So this is the main one I wanted to just finish off on. If you could just go down a couple of pages here So second last page of that document should be the fifth one, and you'll see a heading saying ongoing service fee, individual clients, and couple. I did mention in our review that we've got that new tier fee structure. And because you're above 200,000, I made sure not to send out any service agreements until now because we were just putting this in place for the discount. So just wanted to show you there. 200 to 500,000 is the first discount. 500 to a mil is the next one. Beautiful. After that, may it pretty much just go into signing the consent form with Netwealth for our services, the appendix, and the product documents, which you can basically just skip through if you're happy with it. And the last one is just a service guide with all of our referral partners. And just bear in mind, if you try and scroll through them, that CDS with Netwealth is about 66 pages long. Unless you wanna read through the whole thing, that one doesn't require a signature. It can just be skipped. The old circle loading bar there. It usually takes a moment. Just while that's coming through, Matthew, is there anything in particular that you want me to kind of flag for the end of this year before our next catch up? Would you like anything between now and the next annual review, like a bit of a quarterly catch up or anything like that? Yep. Yep. So if you do get a chance, like, when you do do the switch, if you can call in and let us know, that'd be amazing. If not, I'll just capture the the next review, Keep an eye on the portfolio, and we can just update the occupation then as well. The only thing to keep in mind is if the new employer needs any SGC forms for the contribution, just give us a bell and the team can flick that out to you pretty quickly. And then just remind us for the salary sacrifice. Great. Awesome. Any questions for me before I let you go? Yeah. How big of a pay cut are you thinking? Do you have any indication yet? Or Right. Cool. So it'd still be 6 figures, but you have to try and boost up some biases. Yep. Cool. Okay. Yep. Gotta build some momentum up kind of thing. If that does happen as well, your I know it's a bit of a small thing, but your occupation rating with the insurers will improve if you go more sales rep. So I'll flag that as well. So if that does happen, we can either update the occupation with Neil, get the premiums down a pretty decent chunk, or shop around to another insurer as well. Yes. Okay. Yeah. Firefighters is one of those where it's like Pontus pilots, train drivers, and firing are the three that fit in their own little category. And, usually, there's some things covered internally through those guys. But I've got a few colleagues that actually changed changed careers to. So I'll keep an eye out for that as well. Yeah. Yeah. Amazing. And that has come through signed as well, but I guess you gotta make sure you're doing what you enjoy as well, better lifestyle as well. Can all just be about locking in for thirty years? Yeah. Right. Perfect. Well, good luck with it. I hope the next time we chat, there's been a few changes there, and, mate, best of luck. Awesome. Well, mate, have a fantastic weekend. Anything pop up with those beneficiary forms, again, just give us a buzz. Oh, awesome, man. Have a good one, man. 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right there. Did just cut out for a quick bit. Apologies of my mate. The offset. Oh, perfect.\n\nI'll update that. What are we sitting at the moment? Sensational. Alright. $2.40.\n\nI'll add that into the system. Thanks very much for that. And the main things we're going over, obviously, is the net wealth on the super, the Neos insurances, which is split between the out of pocket and the in super. And if you could just have a scroll through to ten and eleven for me, that's the risk profile section. Perfect.\n\nSo we weren't doing any changes to your risk category at the moment. It was more just the engine tune up on the underlying investment. So, again, this will maintain that 90 to a 100% growth asset until such time as the super built to be enough. And then when you're close to retirement, we'll kind of step that back down from 90% to eighty, seventy, sixty, fifty, forty as you approach that kind of pension period. Now if you go past there, there's a bit of a wall of text on page 12 under strategy recommendation, and I just wanted to kind of summarize the key reasoning for the changes that I found.\n\nSo main thing with Netwealth is we're obviously not looking at changing super funds right now. It still has one of the biggest investment menus, so we were able to get enough investments to switch in to get what we wanted. The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification. We're obviously not projecting your retirement outcome because that's a good eighteen years away and, obviously, too many variables in this situation to go that far out. Now if you go down to the next one, there's a table for advantages and disadvantages to be side by side.\n\nSo the main disadvantage with all of the overview portfolios is we use ETF. And although they have the lowest investment fee ongoing, you do pay a small amount of brokerage to purchase them upfront. So we do have to factor that in when we do the projections. The main advantages is cutting down the investment fee, getting the performance fixed up over one, three, five, and ten years, and keeping you in line with that both the investment style and the risk level as well. Now if you go down past there, there's a few warnings.\n\nMost of those are just around usual market risks. Obviously, we can't control the weather, but we are picking and choosing the investment options for you. Alternatives, there was a few different portfolios we looked at, but I wanna just kinda walk you through the reasoning a little bit here. If you can go down to page 15, you'll see an investment table. So the main thing here is a little bit of a rebalance.\n\nIf you can see the second last column under target weight, that's where you can see all the percentages. It kind of rounded off figures rather than the 29.19. They're actually round off amounts. So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold. The Bennelong is the second row.\n\nThat's the one that's being sold off and replaced. In the middle, I have changed some of the satellites as well. We've got a decent amount of gains out of Europe and Japan, for example, but sort of economic outlook for those is not doing as well as some of the other areas that we wanna look at. So I have wanted to update a few of those alongside Benelon. Now the bottom rows is about five or six.\n\nThese are the new inclusions in the portfolio. I'll just go top to bottom briefly. India is coming in because manufacturing switching over from China to India is a bit more of a long term place. Better health care in there as well. The Raffi Australia 200 and the Alfiniti Australian shares, those are your two replacement options for Benelon.\n\nSo these are the ones where the fees reduced by 10% for one of them, 70% for the other compared to Benelon, and the performance over one, three, five in ten years. Rafi tracks the Australian market very, very closely, and Aclinity has outperformed the Australian market over those periods as well. So that'll fix that that sort of quarter portion up, and the rest of it will be carried by the international shares of gold. The only other thing that I've added in there is at the bottom, the core composite bond is gonna be your new defensive allocation. I just wanted to get a bit of cash that was piling up.\n\nWhen the market kind of crashed, there was some cash cooling off to the side. That stopped a lot of the drop in the fund around March, but I'm just gonna deploy that into some fixed interest, which is essentially just low risk, higher returns than cash, but it's not in shares or anything high risk. Now if you go past there, last couple of tables, page 17 has your colored pie chart for the asset allocation. And the main one to look at here is the middle row is grayed out for growth total. And, again, we're gonna keep you above 90%.\n\nYou're sitting at 89 at the moment. Once we rebalance it, you'll be at 92. The cash gets deployed into the fixed interest, and that's the major change. I've dropped a little bit out of the Australian shares just because the economy is looking a bit rough with all the changes that are going on and interest rate rises. So we're just going a little bit heavier on the international side and alternatives.\n\nCool. The outcomes themselves, next page, has your fee comparison. Now in that fee comparison table, easiest way to read this one is just go from the top right and go down that right hand column. So the balance, I've factored in there any kind of tackle gains tax that happens inside the super from switching all the investments around. We've put that in there already.\n\nAnd then below that, the investment fees go down from 1,800 to 1,100. So it's about a good 40% off there. That also does factor in those the taxes for salary sacrifice. So when you put that money into super, it gets taxed at 15% instead of your marginal rate, and that comes out of the super fund as well. Cool.\n\nThe five year rolling average. Go for it. Beautiful. Beautiful. Just quickly flip down to I think what I was looking at to recommended was 200 at the time.\n\nSo if you're comfortable with 300, mate, I'll keep that as is, and I'll update that in the background. Beautiful. The five year rolling average in performance, we get it back up into double digits, which, again, high growth, you need to be hitting 10% or above. Some good years, you'll be up fifteen, twenty, 25. Some bad years, you'll go down double digits, but the main thing is consistency.\n\nSo if you look at the projection at the bottom again, take this with a little bit of grain of salt, but fixing up the return and the salary sacrifice, we're estimating that'll boost things up by about 1 to 300,000 over five and ten years. And the return table on the next page, I'm just trying to make sure I get all periods back into the double digit rather than just that kind of longer term. Wanna make sure that's still doing it pretty consistently. Outside of that, it goes through after that the salary sacrifice and the pros and cons of that, which is obviously pretax dollars, lower tax amount, more invested. But do you have any questions on the portfolio side of things at the moment?\n\nPerfect. So if you have a little scroll through, that salary sacrifice section, a lot of it's pretty general information. Does explain, obviously, not going over the cap of 32,500 for this financial year, which it should be fine. I don't see any major flags that you're gonna go over. Outside of that, it basically just ends with the estate planning.\n\nFrom pages 23 onwards, it just goes on the beneficiary nominations, making sure all that's fixed up. When you go to fill in the forms, we usually attach a cover letter with how to do it, but this document helps with that as well. So when you go to tick the box, you've got the binding nonmatching so that it stays legally binding and it doesn't expire. And then you can just tick relationship, percentage to nominate, put in their name, address, date of birth, and so on. Cool.\n\nNow with the there's usually some sort of blue purple buttons to move around the document and switch documents. Do you have any button there that says next document by any chance? Yeah. So when you hit click the star, it'll bring you to the bottom of this document to sign the authority to proceed. And there's a little bit of a box above it, which if you wanna vary any of the recommendations, you can type it in there.\n\nIf you're happy with everything, you just put in n slash a and then go through to the the signature and the date stamp. Cool. Now the next one should be our financial services guide. Cool. So this is the main one I wanted to just finish off on.\n\nIf you could just go down a couple of pages here So second last page of that document should be the fifth one, and you'll see a heading saying ongoing service fee, individual clients, and couple. I did mention in our review that we've got that new tier fee structure. And because you're above 200,000, I made sure not to send out any service agreements until now because we were just putting this in place for the discount. So just wanted to show you there. 200 to 500,000 is the first discount.\n\n500 to a mil is the next one. Beautiful. After that, may it pretty much just go into signing the consent form with Netwealth for our services, the appendix, and the product documents, which you can basically just skip through if you're happy with it. And the last one is just a service guide with all of our referral partners. And just bear in mind, if you try and scroll through them, that CDS with Netwealth is about 66 pages long.\n\nUnless you wanna read through the whole thing, that one doesn't require a signature. It can just be skipped. The old circle loading bar there. It usually takes a moment. Just while that's coming through, Matthew, is there anything in particular that you want me to kind of flag for the end of this year before our next catch up?\n\nWould you like anything between now and the next annual review, like a bit of a quarterly catch up or anything like that? Yep. Yep. So if you do get a chance, like, when you do do the switch, if you can call in and let us know, that'd be amazing. If not, I'll just capture the the next review, Keep an eye on the portfolio, and we can just update the occupation then as well.\n\nThe only thing to keep in mind is if the new employer needs any SGC forms for the contribution, just give us a bell and the team can flick that out to you pretty quickly. And then just remind us for the salary sacrifice. Great. Awesome. Any questions for me before I let you go?\n\nYeah. How big of a pay cut are you thinking? Do you have any indication yet? Or Right. Cool.\n\nSo it'd still be 6 figures, but you have to try and boost up some biases. Yep. Cool. Okay. Yep.\n\nGotta build some momentum up kind of thing. If that does happen as well, your I know it's a bit of a small thing, but your occupation rating with the insurers will improve if you go more sales rep. So I'll flag that as well. So if that does happen, we can either update the occupation with Neil, get the premiums down a pretty decent chunk, or shop around to another insurer as well. Yes.\n\nOkay. Yeah. Firefighters is one of those where it's like Pontus pilots, train drivers, and firing are the three that fit in their own little category. And, usually, there's some things covered internally through those guys. But I've got a few colleagues that actually changed changed careers to.\n\nSo I'll keep an eye out for that as well. Yeah. Yeah. Amazing. And that has come through signed as well, but I guess you gotta make sure you're doing what you enjoy as well, better lifestyle as well.\n\nCan all just be about locking in for thirty years? Yeah. Right. Perfect. Well, good luck with it.\n\nI hope the next time we chat, there's been a few changes there, and, mate, best of luck. Awesome. Well, mate, have a fantastic weekend. Anything pop up with those beneficiary forms, again, just give us a buzz. Oh, awesome, man.\n\nHave a good one, man. Cheers.","paragraphs":[{"sentences":[{"text":"You're right there.","start":3.1999998,"end":3.9199998,"sentiment":"neutral","sentiment_score":-0.09171916420261066},{"text":"Did just cut out for a quick bit.","start":3.9199998,"end":5.62,"sentiment":"neutral","sentiment_score":-0.15126575715839863},{"text":"Apologies of my mate.","start":8.08,"end":9.78,"sentiment":"neutral","sentiment_score":-0.2137417010962963},{"text":"The offset.","start":10.16,"end":10.82,"sentiment":"neutral","sentiment_score":-0.10729605704545975},{"text":"Oh, perfect.","start":17.135,"end":17.775,"sentiment":"positive","sentiment_score":0.4134548455476761}],"sentiment":"neutral","sentiment_score":-0.09094383038188282,"num_words":19,"start":3.1999998,"end":17.775},{"sentences":[{"text":"I'll update that.","start":17.775,"end":18.915,"sentiment":"neutral","sentiment_score":0.2876500089963277},{"text":"What are we sitting at the moment?","start":19.055,"end":20.755001,"sentiment":"neutral","sentiment_score":0.05035447595374925},{"text":"Sensational.","start":25.439999,"end":25.939999,"sentiment":"neutral","sentiment_score":0.10400688648223876},{"text":"Alright.","start":29.68,"end":30.08,"sentiment":"neutral","sentiment_score":0.1051548272371292},{"text":"$2.40.","start":30.08,"end":30.72,"sentiment":"neutral","sentiment_score":0.1193465143442154}],"sentiment":"neutral","sentiment_score":0.11876458359452394,"num_words":13,"start":17.775,"end":30.72},{"sentences":[{"text":"I'll add that into the system.","start":30.72,"end":32.0,"sentiment":"neutral","sentiment_score":0.2610006555914879},{"text":"Thanks very much for that.","start":32.0,"end":33.22,"sentiment":"positive","sentiment_score":0.7667687654495239},{"text":"And the main things we're going over, obviously, is the net wealth on the super, the Neos insurances, which is split between the out of pocket and the in super.","start":33.76,"end":44.805,"sentiment":"neutral","sentiment_score":0.1644368886947632},{"text":"And if you could just have a scroll through to ten and eleven for me, that's the risk profile section.","start":45.425,"end":51.125,"sentiment":"neutral","sentiment_score":0.0414573272690177},{"text":"Perfect.","start":65.29,"end":65.77,"sentiment":"positive","sentiment_score":0.5346669554710388}],"sentiment":"neutral","sentiment_score":0.18865754713694896,"num_words":62,"start":30.72,"end":65.77},{"sentences":[{"text":"So we weren't doing any changes to your risk category at the moment.","start":65.77,"end":70.185,"sentiment":"neutral","sentiment_score":-0.1335573878425818},{"text":"It was more just the engine tune up on the underlying investment.","start":70.185,"end":73.405,"sentiment":"neutral","sentiment_score":-0.04204071592539549},{"text":"So, again, this will maintain that 90 to a 100% growth asset until such time as the super built to be enough.","start":73.865,"end":81.15,"sentiment":"neutral","sentiment_score":0.18244702910835092},{"text":"And then when you're close to retirement, we'll kind of step that back down from 90% to eighty, seventy, sixty, fifty, forty as you approach that kind of pension period.","start":81.310005,"end":92.770004,"sentiment":"neutral","sentiment_score":0.037371295131742956},{"text":"Now if you go past there, there's a bit of a wall of text on page 12 under strategy recommendation, and I just wanted to kind of summarize the key reasoning for the changes that I found.","start":95.165,"end":105.505,"sentiment":"neutral","sentiment_score":0.07348437481433959}],"sentiment":"neutral","sentiment_score":0.04923825201235319,"num_words":114,"start":65.77,"end":105.505},{"sentences":[{"text":"So main thing with Netwealth is we're obviously not looking at changing super funds right now.","start":110.08,"end":114.1,"sentiment":"neutral","sentiment_score":-0.22030002484098077},{"text":"It still has one of the biggest investment menus, so we were able to get enough investments to switch in to get what we wanted.","start":114.32,"end":121.86,"sentiment":"neutral","sentiment_score":-0.035261256396770475},{"text":"The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification.","start":122.479996,"end":130.655,"sentiment":"neutral","sentiment_score":0.07284801410367855},{"text":"We're obviously not projecting your retirement outcome because that's a good eighteen years away and, obviously, too many variables in this situation to go that far out.","start":132.315,"end":142.14,"sentiment":"negative","sentiment_score":-0.37595133262651936},{"text":"Now if you go down to the next one, there's a table for advantages and disadvantages to be side by side.","start":144.04001,"end":150.46,"sentiment":"neutral","sentiment_score":0.00016308779872599102}],"sentiment":"neutral","sentiment_score":-0.11008299632888774,"num_words":115,"start":110.08,"end":150.46},{"sentences":[{"text":"So the main disadvantage with all of the overview portfolios is we use ETF.","start":154.605,"end":159.265,"sentiment":"neutral","sentiment_score":-0.10960994235106877},{"text":"And although they have the lowest investment fee ongoing, you do pay a small amount of brokerage to purchase them upfront.","start":159.805,"end":167.25,"sentiment":"neutral","sentiment_score":-0.1617805159517697},{"text":"So we do have to factor that in when we do the projections.","start":167.55,"end":170.53,"sentiment":"neutral","sentiment_score":-0.04271382007461328},{"text":"The main advantages is cutting down the investment fee, getting the performance fixed up over one, three, five, and ten years, and keeping you in line with that both the investment style and the risk level as well.","start":171.15001,"end":184.215,"sentiment":"positive","sentiment_score":0.593704375781511},{"text":"Now if you go down past there, there's a few warnings.","start":186.595,"end":189.655,"sentiment":"neutral","sentiment_score":-0.08941917358474298}],"sentiment":"neutral","sentiment_score":0.16587572867415615,"num_words":97,"start":154.605,"end":189.655},{"sentences":[{"text":"Most of those are just around usual market risks.","start":190.19499,"end":193.02,"sentiment":"neutral","sentiment_score":-0.20502779053317177},{"text":"Obviously, we can't control the weather, but we are picking and choosing the investment options for you.","start":193.42,"end":199.44,"sentiment":"neutral","sentiment_score":-0.09509549728211235},{"text":"Alternatives, there was a few different portfolios we looked at, but I wanna just kinda walk you through the reasoning a little bit here.","start":200.94,"end":207.705,"sentiment":"neutral","sentiment_score":0.05004776183826228},{"text":"If you can go down to page 15, you'll see an investment table.","start":207.785,"end":212.205,"sentiment":"neutral","sentiment_score":0.023100320249795914},{"text":"So the main thing here is a little bit of a rebalance.","start":215.30501,"end":218.765,"sentiment":"neutral","sentiment_score":0.05908380635082722}],"sentiment":"neutral","sentiment_score":-0.016685565933585167,"num_words":75,"start":190.19499,"end":218.765},{"sentences":[{"text":"If you can see the second last column under target weight, that's where you can see all the percentages.","start":218.825,"end":224.58,"sentiment":"neutral","sentiment_score":0.057331040697662455},{"text":"It kind of rounded off figures rather than the 29.19.","start":224.58,"end":228.90001,"sentiment":"neutral","sentiment_score":-0.005417618714272976},{"text":"They're actually round off amounts.","start":228.90001,"end":230.76001,"sentiment":"neutral","sentiment_score":0.0027928464114665985},{"text":"So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold.","start":232.98001,"end":239.045,"sentiment":"neutral","sentiment_score":0.06528437843448237},{"text":"The Bennelong is the second row.","start":239.425,"end":241.105,"sentiment":"neutral","sentiment_score":0.012635070830583572}],"sentiment":"neutral","sentiment_score":0.04008968531201452,"num_words":59,"start":218.825,"end":241.105},{"sentences":[{"text":"That's the one that's being sold off and replaced.","start":241.105,"end":243.845,"sentiment":"neutral","sentiment_score":-0.0014375731762912539},{"text":"In the middle, I have changed some of the satellites as well.","start":245.825,"end":249.045,"sentiment":"neutral","sentiment_score":0.05524924645821253},{"text":"We've got a decent amount of gains out of Europe and Japan, for example, but sort of economic outlook for those is not doing as well as some of the other areas that we wanna look at.","start":249.905,"end":261.61002,"sentiment":"neutral","sentiment_score":-0.045587831655064144},{"text":"So I have wanted to update a few of those alongside Benelon.","start":261.61002,"end":264.75,"sentiment":"neutral","sentiment_score":0.07697866608699162},{"text":"Now the bottom rows is about five or six.","start":267.035,"end":270.39502,"sentiment":"neutral","sentiment_score":0.06277906191017893}],"sentiment":"neutral","sentiment_score":0.005722260479874249,"num_words":79,"start":241.105,"end":270.39502},{"sentences":[{"text":"These are the new inclusions in the portfolio.","start":270.39502,"end":272.49503,"sentiment":"neutral","sentiment_score":0.10323325078934431},{"text":"I'll just go top to bottom briefly.","start":273.435,"end":275.05502,"sentiment":"neutral","sentiment_score":0.09433690671409879},{"text":"India is coming in because manufacturing switching over from China to India is a bit more of a long term place.","start":275.67502,"end":281.61002,"sentiment":"neutral","sentiment_score":0.1611004819472631},{"text":"Better health care in there as well.","start":281.99002,"end":283.93,"sentiment":"positive","sentiment_score":0.49429457102503094},{"text":"The Raffi Australia 200 and the Alfiniti Australian shares, those are your two replacement options for Benelon.","start":284.71,"end":293.055,"sentiment":"neutral","sentiment_score":0.16152466965072296}],"sentiment":"neutral","sentiment_score":0.18458859759072463,"num_words":60,"start":270.39502,"end":293.055},{"sentences":[{"text":"So these are the ones where the fees reduced by 10% for one of them, 70% for the other compared to Benelon, and the performance over one, three, five in ten years.","start":295.995,"end":307.15002,"sentiment":"positive","sentiment_score":0.37745224637910724},{"text":"Rafi tracks the Australian market very, very closely, and Aclinity has outperformed the Australian market over those periods as well.","start":307.45,"end":315.63,"sentiment":"positive","sentiment_score":0.5870995178818703},{"text":"So that'll fix that that sort of quarter portion up, and the rest of it will be carried by the international shares of gold.","start":315.69,"end":322.905,"sentiment":"neutral","sentiment_score":0.2595511885980765},{"text":"The only other thing that I've added in there is at the bottom, the core composite bond is gonna be your new defensive allocation.","start":326.165,"end":333.66998,"sentiment":"neutral","sentiment_score":0.10829402444263299},{"text":"I just wanted to get a bit of cash that was piling up.","start":334.53,"end":337.59,"sentiment":"neutral","sentiment_score":0.007569446873206358}],"sentiment":"neutral","sentiment_score":0.2897977890628102,"num_words":113,"start":295.995,"end":337.59},{"sentences":[{"text":"When the market kind of crashed, there was some cash cooling off to the side.","start":337.65,"end":341.43,"sentiment":"neutral","sentiment_score":-0.16551731526851654},{"text":"That stopped a lot of the drop in the fund around March, but I'm just gonna deploy that into some fixed interest, which is essentially just low risk, higher returns than cash, but it's not in shares or anything high risk.","start":341.88998,"end":355.565,"sentiment":"neutral","sentiment_score":0.015935925812256044},{"text":"Now if you go past there, last couple of tables, page 17 has your colored pie chart for the asset allocation.","start":358.3,"end":364.88,"sentiment":"neutral","sentiment_score":0.04665156223234676},{"text":"And the main one to look at here is the middle row is grayed out for growth total.","start":368.22,"end":373.405,"sentiment":"neutral","sentiment_score":0.05528285002542867},{"text":"And, again, we're gonna keep you above 90%.","start":373.625,"end":375.965,"sentiment":"neutral","sentiment_score":0.14246423821896315}],"sentiment":"neutral","sentiment_score":0.01247671109090731,"num_words":103,"start":337.65,"end":375.965},{"sentences":[{"text":"You're sitting at 89 at the moment.","start":376.105,"end":377.865,"sentiment":"neutral","sentiment_score":0.10054231435060501},{"text":"Once we rebalance it, you'll be at 92.","start":377.865,"end":380.525,"sentiment":"neutral","sentiment_score":0.07420318201184273},{"text":"The cash gets deployed into the fixed interest, and that's the major change.","start":381.225,"end":385.805,"sentiment":"neutral","sentiment_score":0.01622928621677252},{"text":"I've dropped a little bit out of the Australian shares just because the economy is looking a bit rough with all the changes that are going on and interest rate rises.","start":386.55,"end":394.56998,"sentiment":"neutral","sentiment_score":-0.23474829379589326},{"text":"So we're just going a little bit heavier on the international side and alternatives.","start":394.94998,"end":399.53,"sentiment":"neutral","sentiment_score":-0.06030141415872744}],"sentiment":"neutral","sentiment_score":-0.09058924011681994,"num_words":73,"start":376.105,"end":399.53},{"sentences":[{"text":"Cool.","start":400.53497,"end":401.03497,"sentiment":"neutral","sentiment_score":0.287614107131958},{"text":"The outcomes themselves, next page, has your fee comparison.","start":402.29498,"end":405.91498,"sentiment":"neutral","sentiment_score":0.10549591854214668},{"text":"Now in that fee comparison table, easiest way to read this one is just go from the top right and go down that right hand column.","start":411.735,"end":420.08,"sentiment":"neutral","sentiment_score":0.05321976477996661},{"text":"So the balance, I've factored in there any kind of tackle gains tax that happens inside the super from switching all the investments around.","start":421.26,"end":430.315,"sentiment":"neutral","sentiment_score":0.06512402975931764},{"text":"We've put that in there already.","start":430.695,"end":432.235,"sentiment":"neutral","sentiment_score":0.14473853260278702}],"sentiment":"neutral","sentiment_score":0.07654847224440539,"num_words":66,"start":400.53497,"end":432.235},{"sentences":[{"text":"And then below that, the investment fees go down from 1,800 to 1,100.","start":432.615,"end":438.155,"sentiment":"neutral","sentiment_score":0.1740441104540458},{"text":"So it's about a good 40% off there.","start":438.29498,"end":440.555,"sentiment":"positive","sentiment_score":0.4313010275363922},{"text":"That also does factor in those the taxes for salary sacrifice.","start":441.255,"end":447.68,"sentiment":"neutral","sentiment_score":0.20433207194913516},{"text":"So when you put that money into super, it gets taxed at 15% instead of your marginal rate, and that comes out of the super fund as well.","start":448.46,"end":456.08,"sentiment":"neutral","sentiment_score":0.1424472475690501},{"text":"Cool.","start":458.78,"end":459.225,"sentiment":"positive","sentiment_score":0.3392429053783417}],"sentiment":"neutral","sentiment_score":0.20144918499911418,"num_words":61,"start":432.615,"end":459.225},{"sentences":[{"text":"The five year rolling average.","start":459.70502,"end":461.165,"sentiment":"neutral","sentiment_score":0.19509729146957397},{"text":"Go for it.","start":462.505,"end":463.325,"sentiment":"neutral","sentiment_score":0.20338250696659088},{"text":"Beautiful.","start":471.53998,"end":472.02,"sentiment":"positive","sentiment_score":0.5976426601409912},{"text":"Beautiful.","start":472.02,"end":472.52,"sentiment":"positive","sentiment_score":0.5801549553871155},{"text":"Just quickly flip down to I think what I was looking at to recommended was 200 at the time.","start":472.58,"end":478.41998,"sentiment":"neutral","sentiment_score":0.14526457143457314}],"sentiment":"neutral","sentiment_score":0.19046408451836686,"num_words":29,"start":459.70502,"end":478.41998},{"sentences":[{"text":"So if you're comfortable with 300, mate, I'll keep that as is, and I'll update that in the background.","start":478.41998,"end":484.52,"sentiment":"neutral","sentiment_score":0.15509462983984695},{"text":"Beautiful.","start":487.165,"end":487.665,"sentiment":"positive","sentiment_score":0.5989835858345032},{"text":"The five year rolling average in performance, we get it back up into double digits, which, again, high growth, you need to be hitting 10% or above.","start":488.685,"end":496.465,"sentiment":"positive","sentiment_score":0.41201062003771466},{"text":"Some good years, you'll be up fifteen, twenty, 25.","start":497.06,"end":499.86002,"sentiment":"neutral","sentiment_score":0.3180549409654405},{"text":"Some bad years, you'll go down double digits, but the main thing is consistency.","start":499.86002,"end":504.92,"sentiment":"neutral","sentiment_score":-0.03162228795034545}],"sentiment":"neutral","sentiment_score":0.24414072473134313,"num_words":70,"start":478.41998,"end":504.92},{"sentences":[{"text":"So if you look at the projection at the bottom again, take this with a little bit of grain of salt, but fixing up the return and the salary sacrifice, we're estimating that'll boost things up by about 1 to 300,000 over five and ten years.","start":506.02002,"end":520.765,"sentiment":"neutral","sentiment_score":0.20395894081372282},{"text":"And the return table on the next page, I'm just trying to make sure I get all periods back into the double digit rather than just that kind of longer term.","start":523.065,"end":533.9,"sentiment":"neutral","sentiment_score":0.18025984014234236},{"text":"Wanna make sure that's still doing it pretty consistently.","start":534.2,"end":536.54004,"sentiment":"neutral","sentiment_score":0.2857042998075485},{"text":"Outside of that, it goes through after that the salary sacrifice and the pros and cons of that, which is obviously pretax dollars, lower tax amount, more invested.","start":541.325,"end":550.625,"sentiment":"neutral","sentiment_score":0.10650455525943212},{"text":"But do you have any questions on the portfolio side of things at the moment?","start":551.245,"end":555.36,"sentiment":"neutral","sentiment_score":0.026529851804176965}],"sentiment":"neutral","sentiment_score":0.16218279336774072,"num_words":129,"start":506.02002,"end":555.36},{"sentences":[{"text":"Perfect.","start":558.0,"end":558.5,"sentiment":"positive","sentiment_score":0.4817941188812256},{"text":"So if you have a little scroll through, that salary sacrifice section, a lot of it's pretty general information.","start":558.72,"end":564.74,"sentiment":"neutral","sentiment_score":0.26882278683938476},{"text":"Does explain, obviously, not going over the cap of 32,500 for this financial year, which it should be fine.","start":565.36,"end":573.205,"sentiment":"neutral","sentiment_score":0.21268368355537715},{"text":"I don't see any major flags that you're gonna go over.","start":573.985,"end":577.285,"sentiment":"neutral","sentiment_score":-0.22978586906736548},{"text":"Outside of that, it basically just ends with the estate planning.","start":582.145,"end":584.885,"sentiment":"neutral","sentiment_score":0.04695340279828419}],"sentiment":"neutral","sentiment_score":0.12490590044953784,"num_words":61,"start":558.0,"end":584.885},{"sentences":[{"text":"From pages 23 onwards, it just goes on the beneficiary nominations, making sure all that's fixed up.","start":585.47,"end":591.73,"sentiment":"neutral","sentiment_score":0.12158644374679117},{"text":"When you go to fill in the forms, we usually attach a cover letter with how to do it, but this document helps with that as well.","start":592.35,"end":599.52496,"sentiment":"neutral","sentiment_score":0.18050406928415652},{"text":"So when you go to tick the box, you've got the binding nonmatching so that it stays legally binding and it doesn't expire.","start":599.52496,"end":606.58496,"sentiment":"neutral","sentiment_score":0.16610020399093628},{"text":"And then you can just tick relationship, percentage to nominate, put in their name, address, date of birth, and so on.","start":606.725,"end":615.45,"sentiment":"neutral","sentiment_score":0.12050039711452666},{"text":"Cool.","start":618.15,"end":618.65,"sentiment":"positive","sentiment_score":0.426567018032074}],"sentiment":"neutral","sentiment_score":0.15413437599546453,"num_words":89,"start":585.47,"end":618.65},{"sentences":[{"text":"Now with the there's usually some sort of blue purple buttons to move around the document and switch documents.","start":618.79004,"end":626.49,"sentiment":"neutral","sentiment_score":0.13970796842324107},{"text":"Do you have any button there that says next document by any chance?","start":626.75494,"end":630.295,"sentiment":"neutral","sentiment_score":0.07018484605046418},{"text":"Yeah.","start":634.115,"end":634.51495,"sentiment":"neutral","sentiment_score":0.10799993574619292},{"text":"So when you hit click the star, it'll bring you to the bottom of this document to sign the authority to proceed.","start":634.51495,"end":640.45496,"sentiment":"neutral","sentiment_score":0.14639759436249733},{"text":"And there's a little bit of a box above it, which if you wanna vary any of the recommendations, you can type it in there.","start":640.99005,"end":647.73004,"sentiment":"neutral","sentiment_score":0.18053264081478118}],"sentiment":"neutral","sentiment_score":0.1426114678848535,"num_words":80,"start":618.79004,"end":647.73004},{"sentences":[{"text":"If you're happy with everything, you just put in n slash a and then go through to the the signature and the date stamp.","start":647.79004,"end":654.765,"sentiment":"neutral","sentiment_score":0.2864715500424306},{"text":"Cool.","start":673.3,"end":673.77997,"sentiment":"positive","sentiment_score":0.4358213245868683},{"text":"Now the next one should be our financial services guide.","start":673.77997,"end":677.16,"sentiment":"neutral","sentiment_score":0.3315950512886047},{"text":"Cool.","start":679.06,"end":679.3,"sentiment":"positive","sentiment_score":0.4055293202400207},{"text":"So this is the main one I wanted to just finish off on.","start":679.3,"end":681.7,"sentiment":"neutral","sentiment_score":0.28306113154842305}],"sentiment":"neutral","sentiment_score":0.30025332793593407,"num_words":49,"start":647.79004,"end":681.7},{"sentences":[{"text":"If you could just go down a couple of pages here So second last page of that document should be the fifth one, and you'll see a heading saying ongoing service fee, individual clients, and couple.","start":681.7,"end":695.985,"sentiment":"neutral","sentiment_score":0.08515862732504804},{"text":"I did mention in our review that we've got that new tier fee structure.","start":697.1,"end":700.63995,"sentiment":"neutral","sentiment_score":0.08158378356269427},{"text":"And because you're above 200,000, I made sure not to send out any service agreements until now because we were just putting this in place for the discount.","start":700.86,"end":709.92,"sentiment":"neutral","sentiment_score":-0.032641300199819465},{"text":"So just wanted to show you there.","start":710.45996,"end":712.305,"sentiment":"neutral","sentiment_score":0.13864397470440185},{"text":"200 to 500,000 is the first discount.","start":712.545,"end":715.52496,"sentiment":"neutral","sentiment_score":0.10712530570370811}],"sentiment":"neutral","sentiment_score":0.05450339250914429,"num_words":92,"start":681.7,"end":715.52496},{"sentences":[{"text":"500 to a mil is the next one.","start":715.825,"end":717.845,"sentiment":"neutral","sentiment_score":0.07360412925481796},{"text":"Beautiful.","start":721.345,"end":721.845,"sentiment":"positive","sentiment_score":0.7096391916275024},{"text":"After that, may it pretty much just go into signing the consent form with Netwealth for our services, the appendix, and the product documents, which you can basically just skip through if you're happy with it.","start":723.345,"end":734.04,"sentiment":"positive","sentiment_score":0.3534902160366376},{"text":"And the last one is just a service guide with all of our referral partners.","start":734.26,"end":738.12,"sentiment":"neutral","sentiment_score":0.20399503012498219},{"text":"And just bear in mind, if you try and scroll through them, that CDS with Netwealth is about 66 pages long.","start":747.665,"end":754.08,"sentiment":"neutral","sentiment_score":0.04551563926395916}],"sentiment":"neutral","sentiment_score":0.22271449233830712,"num_words":81,"start":715.825,"end":754.08},{"sentences":[{"text":"Unless you wanna read through the whole thing, that one doesn't require a signature.","start":754.24,"end":758.08,"sentiment":"neutral","sentiment_score":0.029718010420245782},{"text":"It can just be skipped.","start":758.08,"end":759.22003,"sentiment":"neutral","sentiment_score":0.09196674972772598},{"text":"The old circle loading bar there.","start":786.14,"end":788.86005,"sentiment":"neutral","sentiment_score":0.01899367819229762},{"text":"It usually takes a moment.","start":788.86005,"end":790.48004,"sentiment":"neutral","sentiment_score":0.012574831768870354},{"text":"Just while that's coming through, Matthew, is there anything in particular that you want me to kind of flag for the end of this year before our next catch up?","start":798.875,"end":807.355,"sentiment":"neutral","sentiment_score":0.05030766769001881}],"sentiment":"neutral","sentiment_score":0.042699202553679545,"num_words":60,"start":754.24,"end":807.355},{"sentences":[{"text":"Would you like anything between now and the next annual review, like a bit of a quarterly catch up or anything like that?","start":807.355,"end":813.44,"sentiment":"neutral","sentiment_score":0.021222828603957012},{"text":"Yep.","start":819.5,"end":820.0,"sentiment":"neutral","sentiment_score":0.034066688269376755},{"text":"Yep.","start":835.115,"end":835.615,"sentiment":"neutral","sentiment_score":0.14260010421276093},{"text":"So if you do get a chance, like, when you do do the switch, if you can call in and let us know, that'd be amazing.","start":842.45996,"end":848.08,"sentiment":"positive","sentiment_score":0.5223377977426236},{"text":"If not, I'll just capture the the next review, Keep an eye on the portfolio, and we can just update the occupation then as well.","start":848.3,"end":855.415,"sentiment":"neutral","sentiment_score":0.18847185075283052}],"sentiment":"neutral","sentiment_score":0.2494390902697648,"num_words":76,"start":807.355,"end":855.415},{"sentences":[{"text":"The only thing to keep in mind is if the new employer needs any SGC forms for the contribution, just give us a bell and the team can flick that out to you pretty quickly.","start":858.275,"end":867.61,"sentiment":"neutral","sentiment_score":0.12182673513889312},{"text":"And then just remind us for the salary sacrifice.","start":868.39,"end":870.81,"sentiment":"neutral","sentiment_score":0.033309736806485385},{"text":"Great.","start":873.67,"end":874.07,"sentiment":"positive","sentiment_score":0.46080511808395386},{"text":"Awesome.","start":874.07,"end":874.55,"sentiment":"neutral","sentiment_score":0.3045310974121094},{"text":"Any questions for me before I let you go?","start":874.55,"end":876.49,"sentiment":"neutral","sentiment_score":-0.005293904079331292}],"sentiment":"neutral","sentiment_score":0.096025717089122,"num_words":55,"start":858.275,"end":876.49},{"sentences":[{"text":"Yeah.","start":889.465,"end":889.865,"sentiment":"neutral","sentiment_score":-0.0027880780398845673},{"text":"How big of a pay cut are you thinking?","start":889.865,"end":891.465,"sentiment":"neutral","sentiment_score":-0.0897326808836725},{"text":"Do you have any indication yet?","start":891.465,"end":893.145,"sentiment":"neutral","sentiment_score":-0.058100580548246704},{"text":"Or Right.","start":893.145,"end":913.195,"sentiment":"neutral","sentiment_score":-0.01373514486476779},{"text":"Cool.","start":917.575,"end":917.73505,"sentiment":"neutral","sentiment_score":0.2620984613895416}],"sentiment":"neutral","sentiment_score":-0.04865039566433743,"num_words":19,"start":889.465,"end":917.73505},{"sentences":[{"text":"So it'd still be 6 figures, but you have to try and boost up some biases.","start":917.73505,"end":921.43994,"sentiment":"neutral","sentiment_score":0.07596911210566759},{"text":"Yep.","start":928.13995,"end":928.63995,"sentiment":"neutral","sentiment_score":0.08107472956180573},{"text":"Cool.","start":932.13995,"end":932.355,"sentiment":"neutral","sentiment_score":0.22669178247451785},{"text":"Okay.","start":938.675,"end":939.175,"sentiment":"neutral","sentiment_score":0.05005974322557449},{"text":"Yep.","start":945.795,"end":946.08,"sentiment":"neutral","sentiment_score":0.02452435903251171}],"sentiment":"neutral","sentiment_score":0.07989282039925456,"num_words":20,"start":917.73505,"end":946.08},{"sentences":[{"text":"Gotta build some momentum up kind of thing.","start":953.44,"end":955.7,"sentiment":"neutral","sentiment_score":0.183851795271039},{"text":"If that does happen as well, your I know it's a bit of a small thing, but your occupation rating with the insurers will improve if you go more sales rep.","start":958.845,"end":967.265,"sentiment":"neutral","sentiment_score":0.0975412724599723},{"text":"So I'll flag that as well.","start":967.485,"end":969.565,"sentiment":"neutral","sentiment_score":0.1317657232284546},{"text":"So if that does happen, we can either update the occupation with Neil, get the premiums down a pretty decent chunk, or shop around to another insurer as well.","start":969.565,"end":979.88,"sentiment":"neutral","sentiment_score":0.15608436383050064},{"text":"Yes.","start":990.59503,"end":990.915,"sentiment":"neutral","sentiment_score":0.0047927675768733025}],"sentiment":"neutral","sentiment_score":0.1308856995527943,"num_words":75,"start":953.44,"end":990.915},{"sentences":[{"text":"Okay.","start":990.915,"end":991.415,"sentiment":"neutral","sentiment_score":0.00870486069470644},{"text":"Yeah.","start":996.275,"end":996.755,"sentiment":"neutral","sentiment_score":0.03511689603328705},{"text":"Firefighters is one of those where it's like Pontus pilots, train drivers, and firing are the three that fit in their own little category.","start":996.755,"end":1005.46,"sentiment":"neutral","sentiment_score":0.04670006867187718},{"text":"And, usually, there's some things covered internally through those guys.","start":1005.76,"end":1009.7,"sentiment":"neutral","sentiment_score":0.024089017882943153},{"text":"But I've got a few colleagues that actually changed changed careers to.","start":1010.08,"end":1014.375,"sentiment":"neutral","sentiment_score":0.08303668349981308}],"sentiment":"neutral","sentiment_score":0.05004070386833822,"num_words":48,"start":990.915,"end":1014.375},{"sentences":[{"text":"So I'll keep an eye out for that as 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years?","start":1048.185,"end":1051.245,"sentiment":"neutral","sentiment_score":0.03811054080724716},{"text":"Yeah.","start":1074.355,"end":1074.5149,"sentiment":"neutral","sentiment_score":0.0944482758641243},{"text":"Right.","start":1074.5149,"end":1075.0149,"sentiment":"neutral","sentiment_score":0.07972171157598495},{"text":"Perfect.","start":1078.5149,"end":1079.0149,"sentiment":"positive","sentiment_score":0.6957809925079346},{"text":"Well, good luck with it.","start":1079.57,"end":1080.53,"sentiment":"positive","sentiment_score":0.4900778651237488}],"sentiment":"neutral","sentiment_score":0.20563587297995886,"num_words":18,"start":1048.185,"end":1080.53},{"sentences":[{"text":"I hope the next time we chat, there's been a few changes there, and, mate, best of luck.","start":1080.53,"end":1085.75,"sentiment":"neutral","sentiment_score":0.28743990345133674},{"text":"Awesome.","start":1089.25,"end":1089.65,"sentiment":"positive","sentiment_score":0.8072818517684937},{"text":"Well, mate, have a fantastic weekend.","start":1089.65,"end":1091.57,"sentiment":"positive","sentiment_score":0.7736679514249166},{"text":"Anything pop up with those beneficiary forms, again, just give us a buzz.","start":1091.57,"end":1094.925,"sentiment":"positive","sentiment_score":0.45469099970964283},{"text":"Oh, awesome, man.","start":1099.805,"end":1100.525,"sentiment":"positive","sentiment_score":0.7294235229492188}],"sentiment":"positive","sentiment_score":0.45664539969548945,"num_words":41,"start":1080.53,"end":1100.525},{"sentences":[{"text":"Have a good one, man.","start":1100.525,"end":1101.3251,"sentiment":"positive","sentiment_score":0.7209645867347717},{"text":"Cheers.","start":1101.3251,"end":1101.8251,"sentiment":"positive","sentiment_score":0.6868059039115906}],"sentiment":"positive","sentiment_score":0.7152714729309082,"num_words":6,"start":1100.525,"end":1101.8251}]}}]},{"alternatives":[{"transcript":"Sorry about that, Tommy. Yeah. So yeah. So that's I've got a higher offset on the account here. 240. Yep. Looking at that. Yep. Yep. Yep. Yep. Okay. Yep. Okay. Yep. Yep. Yep. Yep. Okay. Okay. Yep. Okay. Yep. Yep. Yep. Okay. Yep. Okay. Yep. Yeah. Okay. Which yeah. I'm current I'm current. Yep. Oh, yeah. I'm currently sacrificing 300 a fortnight into that. Yep. Yep. Yep. Yep. No. Yep. No. Okay. Yep. And now go on. It says click to stop. Yep. Yeah. Next document. Yep. Yep. Okay. Yep. It's yeah. I've just gone to the validate and send. Let me just wait. Yeah. The thing in the middle. Yep. The circle. No. I am looking at changing occupation potentially, And it's only starting to get back get back into Darwin full time to boost the family more and that's completed now. And so I'm back in terms of the forklift business as well. So I'm just in the process of looking for it. It's sort of jobs that will allow that. Yep. Yeah. I promise. Yep. Yep. Yeah. No. You're gonna miss no. No. Not at this stage. So, yeah, I'm probably gonna end up having to take a pay cut to come to come back to Darwin, but we'll play that as it comes. So could be one position I'm looking at is with another forklift company, is being a sales rep, which is basically, it's about a 30% pay cut as base pay, but then you you work on commission. So there's there is potential to actually make that up. So, you know, so well, it would be about $90.90 k plus car plus phone and then plus commission on top of that. So, supposedly, the the lowest paid sales reps around Australia are on about that $1.40 mark with their their commission. So so taking that into consideration, I it shouldn't be too much of a pay cut. But being that these dealerships only just being established up here, it could take a little bit before that that's, you know, going. Yeah. Yep. Yep. Yep. Yeah. The other the other thing I'm looking at also, and I'm applying for it, and they don't do an intake until next year is actually the the fire is. So that risk profile would not change if I got into that. So Yep. Yep. Yep. Yeah. Yeah. That so that is something I'm definitely considering because I yeah. Out of the mine, I do a lot of emergency response stuff as well. And I I actually really enjoy that, so that's that's why I'm looking into into that as an option and applying to their next intake. And we'll just see see what happens, but I'll keep you up to date. No. Well, they do which would be conducive with the business with they do two ten hour days followed by two fourteen hour nights followed by four days off in those nights. Unless you get a call out, you're actually just sleeping at the firehouse. So now I'm basically ready to wake up and respond if you have to, if anything. So that would be a bit more conducive for us being at being at home more often. So yeah. Yeah. Yeah. No worries. Too easy. All good. Yep. No dramas at all. You too, Chase. 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about that, Tommy. Yeah. So yeah. So that's I've got a higher offset on the account here. 240.\n\nYep. Looking at that. Yep. Yep. Yep.\n\nYep. Okay. Yep. Okay. Yep.\n\nYep. Yep. Yep. Okay. Okay.\n\nYep. Okay. Yep. Yep. Yep.\n\nOkay. Yep. Okay. Yep. Yeah.\n\nOkay. Which yeah. I'm current I'm current. Yep. Oh, yeah.\n\nI'm currently sacrificing 300 a fortnight into that. Yep. Yep. Yep. Yep.\n\nNo. Yep. No. Okay. Yep.\n\nAnd now go on. It says click to stop. Yep. Yeah. Next document.\n\nYep. Yep. Okay. Yep. It's yeah.\n\nI've just gone to the validate and send. Let me just wait. Yeah. The thing in the middle. Yep.\n\nThe circle. No. I am looking at changing occupation potentially, And it's only starting to get back get back into Darwin full time to boost the family more and that's completed now. And so I'm back in terms of the forklift business as well. So I'm just in the process of looking for it.\n\nIt's sort of jobs that will allow that. Yep. Yeah. I promise. Yep.\n\nYep. Yeah. No. You're gonna miss no. No.\n\nNot at this stage. So, yeah, I'm probably gonna end up having to take a pay cut to come to come back to Darwin, but we'll play that as it comes. So could be one position I'm looking at is with another forklift company, is being a sales rep, which is basically, it's about a 30% pay cut as base pay, but then you you work on commission. So there's there is potential to actually make that up. So, you know, so well, it would be about $90.90 k plus car plus phone and then plus commission on top of that.\n\nSo, supposedly, the the lowest paid sales reps around Australia are on about that $1.40 mark with their their commission. So so taking that into consideration, I it shouldn't be too much of a pay cut. But being that these dealerships only just being established up here, it could take a little bit before that that's, you know, going. Yeah. Yep.\n\nYep. Yep. Yeah. The other the other thing I'm looking at also, and I'm applying for it, and they don't do an intake until next year is actually the the fire is. So that risk profile would not change if I got into that.\n\nSo Yep. Yep. Yep. Yeah. Yeah.\n\nThat so that is something I'm definitely considering because I yeah. Out of the mine, I do a lot of emergency response stuff as well. And I I actually really enjoy that, so that's that's why I'm looking into into that as an option and applying to their next intake. And we'll just see see what happens, but I'll keep you up to date. No.\n\nWell, they do which would be conducive with the business with they do two ten hour days followed by two fourteen hour nights followed by four days off in those nights. Unless you get a call out, you're actually just sleeping at the firehouse. So now I'm basically ready to wake up and respond if you have to, if anything. So that would be a bit more conducive for us being at being at home more often. So yeah.\n\nYeah. Yeah. No worries. Too easy. All good.\n\nYep. No dramas at all. You too, Chase. Yeah.","paragraphs":[{"sentences":[{"text":"Sorry about that, Tommy.","start":1.1999999,"end":2.42,"sentiment":"neutral","sentiment_score":-0.2777709439396858},{"text":"Yeah.","start":6.16,"end":6.66,"sentiment":"neutral","sentiment_score":-0.08450987935066223},{"text":"So yeah.","start":11.44,"end":12.4,"sentiment":"neutral","sentiment_score":-0.03615066967904568},{"text":"So that's I've got a higher offset on the account here.","start":12.4,"end":15.945,"sentiment":"neutral","sentiment_score":-0.03660464303737337},{"text":"240.","start":21.945,"end":23.164999,"sentiment":"neutral","sentiment_score":0.03376501798629761}],"sentiment":"neutral","sentiment_score":-0.08614637104696349,"num_words":19,"start":1.1999999,"end":23.164999},{"sentences":[{"text":"Yep.","start":63.329998,"end":63.649998,"sentiment":"neutral","sentiment_score":0.1266901046037674},{"text":"Looking at that.","start":63.649998,"end":64.549995,"sentiment":"neutral","sentiment_score":0.25053342680136365},{"text":"Yep.","start":74.454994,"end":74.954994,"sentiment":"neutral","sentiment_score":0.18033528327941897},{"text":"Yep.","start":93.700005,"end":94.200005,"sentiment":"neutral","sentiment_score":0.09509076923131944},{"text":"Yep.","start":108.505005,"end":109.005005,"sentiment":"neutral","sentiment_score":0.04013435170054436}],"sentiment":"neutral","sentiment_score":0.17055011274559156,"num_words":7,"start":63.329998,"end":109.005005},{"sentences":[{"text":"Yep.","start":138.635,"end":139.135,"sentiment":"neutral","sentiment_score":-0.2546107769012451},{"text":"Okay.","start":153.16,"end":153.24,"sentiment":"neutral","sentiment_score":0.04643595591187477},{"text":"Yep.","start":153.24,"end":153.74,"sentiment":"neutral","sentiment_score":0.07795161008834839},{"text":"Okay.","start":185.20499,"end":185.70499,"sentiment":"neutral","sentiment_score":0.015233475714921951},{"text":"Yep.","start":213.905,"end":214.405,"sentiment":"neutral","sentiment_score":0.06764701753854752}],"sentiment":"neutral","sentiment_score":-0.009468543529510497,"num_words":5,"start":138.635,"end":214.405},{"sentences":[{"text":"Yep.","start":231.68001,"end":232.18001,"sentiment":"neutral","sentiment_score":0.054292261600494385},{"text":"Yep.","start":244.735,"end":245.235,"sentiment":"neutral","sentiment_score":0.04878637194633484},{"text":"Yep.","start":262.24002,"end":262.74002,"sentiment":"neutral","sentiment_score":0.08036009967327118},{"text":"Okay.","start":265.64502,"end":266.14502,"sentiment":"neutral","sentiment_score":0.07175032794475555},{"text":"Okay.","start":294.465,"end":294.865,"sentiment":"neutral","sentiment_score":0.2487439215183258}],"sentiment":"neutral","sentiment_score":0.10078659653663635,"num_words":5,"start":231.68001,"end":294.865},{"sentences":[{"text":"Yep.","start":294.865,"end":295.365,"sentiment":"neutral","sentiment_score":0.2730972170829773},{"text":"Okay.","start":323.905,"end":324.405,"sentiment":"neutral","sentiment_score":0.1277858018875122},{"text":"Yep.","start":356.26498,"end":356.76498,"sentiment":"neutral","sentiment_score":0.06889019906520844},{"text":"Yep.","start":367.54,"end":368.04,"sentiment":"neutral","sentiment_score":0.09472548216581345},{"text":"Yep.","start":395.46002,"end":395.96002,"sentiment":"neutral","sentiment_score":-0.04390361160039902}],"sentiment":"neutral","sentiment_score":0.10411901772022247,"num_words":5,"start":294.865,"end":395.96002},{"sentences":[{"text":"Okay.","start":398.74002,"end":399.24002,"sentiment":"neutral","sentiment_score":-0.023663222789764404},{"text":"Yep.","start":401.045,"end":401.545,"sentiment":"neutral","sentiment_score":0.16113677620887756},{"text":"Okay.","start":449.13998,"end":449.63998,"sentiment":"neutral","sentiment_score":0.13922935724258423},{"text":"Yep.","start":454.58,"end":455.08,"sentiment":"neutral","sentiment_score":0.1297737956047058},{"text":"Yeah.","start":457.105,"end":457.345,"sentiment":"neutral","sentiment_score":0.1335824728012085}],"sentiment":"neutral","sentiment_score":0.10801183581352233,"num_words":5,"start":398.74002,"end":457.345},{"sentences":[{"text":"Okay.","start":457.345,"end":457.845,"sentiment":"neutral","sentiment_score":0.21875399351119995},{"text":"Which yeah.","start":459.265,"end":459.90503,"sentiment":"neutral","sentiment_score":0.19478506594896317},{"text":"I'm current I'm current.","start":459.90503,"end":461.045,"sentiment":"neutral","sentiment_score":0.1768687665462494},{"text":"Yep.","start":462.70502,"end":463.20502,"sentiment":"neutral","sentiment_score":0.22355854511260984},{"text":"Oh, yeah.","start":463.74503,"end":464.14502,"sentiment":"neutral","sentiment_score":0.07015007734298706}],"sentiment":"neutral","sentiment_score":0.1679657891392708,"num_words":10,"start":457.345,"end":464.14502},{"sentences":[{"text":"I'm currently sacrificing 300 a fortnight into that.","start":464.14502,"end":469.045,"sentiment":"neutral","sentiment_score":0.01610003737732768},{"text":"Yep.","start":482.53,"end":483.03,"sentiment":"neutral","sentiment_score":0.14417338371276855},{"text":"Yep.","start":485.475,"end":485.975,"sentiment":"neutral","sentiment_score":0.27460500597953796},{"text":"Yep.","start":523.115,"end":523.615,"sentiment":"neutral","sentiment_score":0.17878703773021698},{"text":"Yep.","start":538.13,"end":538.63,"sentiment":"neutral","sentiment_score":0.014892803505063055}],"sentiment":"neutral","sentiment_score":0.061771544162184,"num_words":12,"start":464.14502,"end":538.63},{"sentences":[{"text":"No.","start":556.32996,"end":556.82996,"sentiment":"neutral","sentiment_score":0.003679893910884857},{"text":"Yep.","start":570.79504,"end":571.29504,"sentiment":"positive","sentiment_score":0.39390289783477783},{"text":"No.","start":580.17,"end":580.67,"sentiment":"neutral","sentiment_score":-0.09669580310583116},{"text":"Okay.","start":616.19,"end":616.59,"sentiment":"neutral","sentiment_score":0.2185383141040802},{"text":"Yep.","start":616.59,"end":617.09,"sentiment":"neutral","sentiment_score":0.3288745880126953}],"sentiment":"neutral","sentiment_score":0.16965997815132142,"num_words":5,"start":556.32996,"end":617.09},{"sentences":[{"text":"And now go on.","start":630.735,"end":631.53503,"sentiment":"neutral","sentiment_score":0.05394080653786659},{"text":"It says click to stop.","start":631.53503,"end":632.91504,"sentiment":"neutral","sentiment_score":0.032868876308202746},{"text":"Yep.","start":641.41003,"end":641.91003,"sentiment":"neutral","sentiment_score":0.17327362298965454},{"text":"Yeah.","start":670.89,"end":671.29,"sentiment":"neutral","sentiment_score":0.14680999517440796},{"text":"Next document.","start":671.29,"end":672.02997,"sentiment":"neutral","sentiment_score":0.11762327328324318}],"sentiment":"neutral","sentiment_score":0.07195675172484838,"num_words":13,"start":630.735,"end":672.02997},{"sentences":[{"text":"Yep.","start":677.865,"end":678.365,"sentiment":"neutral","sentiment_score":0.28096067905426025},{"text":"Yep.","start":694.87006,"end":695.37006,"sentiment":"neutral","sentiment_score":0.10471086204051971},{"text":"Okay.","start":719.135,"end":719.215,"sentiment":"neutral","sentiment_score":0.232649564743042},{"text":"Yep.","start":719.215,"end":719.715,"sentiment":"positive","sentiment_score":0.47041767835617065},{"text":"It's yeah.","start":779.59,"end":780.47003,"sentiment":"neutral","sentiment_score":0.13251692056655884}],"sentiment":"neutral","sentiment_score":0.22562877088785172,"num_words":6,"start":677.865,"end":780.47003},{"sentences":[{"text":"I've just gone to the validate and send.","start":780.47003,"end":782.39,"sentiment":"neutral","sentiment_score":0.114935795776546},{"text":"Let me just wait.","start":782.39,"end":783.85004,"sentiment":"neutral","sentiment_score":0.05018396582454443},{"text":"Yeah.","start":789.485,"end":789.965,"sentiment":"neutral","sentiment_score":0.02533496543765068},{"text":"The thing in the middle.","start":789.965,"end":791.185,"sentiment":"neutral","sentiment_score":0.013201232068240643},{"text":"Yep.","start":791.245,"end":791.565,"sentiment":"neutral","sentiment_score":0.07904833555221558}],"sentiment":"neutral","sentiment_score":0.06792693109692712,"num_words":19,"start":780.47003,"end":791.565},{"sentences":[{"text":"The circle.","start":791.565,"end":792.22504,"sentiment":"neutral","sentiment_score":0.05158139951527119},{"text":"No.","start":814.18,"end":814.5,"sentiment":"neutral","sentiment_score":-0.1294223964214325},{"text":"I am looking at changing occupation potentially, And it's only starting to get back get back into Darwin full time to boost the family more and that's completed now.","start":814.5,"end":827.055,"sentiment":"neutral","sentiment_score":0.04265392192735754},{"text":"And so I'm back in terms of the forklift business as well.","start":827.055,"end":834.24,"sentiment":"neutral","sentiment_score":0.10744909507532914},{"text":"So I'm just in the process of looking for it.","start":835.66,"end":838.77997,"sentiment":"neutral","sentiment_score":0.1488845355808735}],"sentiment":"neutral","sentiment_score":0.07386923398546598,"num_words":54,"start":791.565,"end":838.77997},{"sentences":[{"text":"It's sort of jobs that will allow that.","start":838.77997,"end":840.88,"sentiment":"neutral","sentiment_score":0.12764628935838118},{"text":"Yep.","start":855.73505,"end":856.215,"sentiment":"neutral","sentiment_score":0.2036125659942627},{"text":"Yeah.","start":856.215,"end":856.53503,"sentiment":"neutral","sentiment_score":0.25147271156311035},{"text":"I promise.","start":856.53503,"end":857.11505,"sentiment":"neutral","sentiment_score":0.25691641867160797},{"text":"Yep.","start":868.4,"end":868.9,"sentiment":"neutral","sentiment_score":0.05690901726484299}],"sentiment":"neutral","sentiment_score":0.15746134207942164,"num_words":13,"start":838.77997,"end":868.9},{"sentences":[{"text":"Yep.","start":871.84,"end":872.34,"sentiment":"neutral","sentiment_score":0.16814395785331726},{"text":"Yeah.","start":873.765,"end":874.005,"sentiment":"neutral","sentiment_score":0.185219869017601},{"text":"No.","start":874.005,"end":874.165,"sentiment":"neutral","sentiment_score":0.089439257979393},{"text":"You're gonna miss no.","start":874.165,"end":879.705,"sentiment":"neutral","sentiment_score":0.051035117357969284},{"text":"No.","start":879.765,"end":880.085,"sentiment":"neutral","sentiment_score":-0.1972997486591339}],"sentiment":"neutral","sentiment_score":0.05620547570288181,"num_words":8,"start":871.84,"end":880.085},{"sentences":[{"text":"Not at this stage.","start":880.085,"end":881.045,"sentiment":"neutral","sentiment_score":-0.2787478044629097},{"text":"So, yeah, I'm probably gonna end up having to take a pay cut to come to come back to Darwin, but we'll play that as it comes.","start":881.045,"end":888.16003,"sentiment":"neutral","sentiment_score":-0.16907409109451152},{"text":"So could be one position I'm looking at is with another forklift company, is being a sales rep, which is basically, it's about a 30% pay cut as base pay, but then you you work on commission.","start":889.66003,"end":910.865,"sentiment":"neutral","sentiment_score":-0.010060597835674983},{"text":"So there's there is potential to actually make that up.","start":911.565,"end":914.785,"sentiment":"neutral","sentiment_score":0.031477567926049235},{"text":"So, you know, so well, it would be about $90.90 k plus car plus phone and then plus commission on top of that.","start":917.49,"end":930.39,"sentiment":"neutral","sentiment_score":0.07950161073518835}],"sentiment":"neutral","sentiment_score":-0.038702188823302966,"num_words":101,"start":880.085,"end":930.39},{"sentences":[{"text":"So, supposedly, the the lowest paid sales reps around Australia are on about that $1.40 mark with their their commission.","start":931.265,"end":939.265,"sentiment":"neutral","sentiment_score":0.0878353325650096},{"text":"So so taking that into consideration, I it shouldn't be too much of a pay cut.","start":939.265,"end":944.645,"sentiment":"neutral","sentiment_score":0.019683209713548422},{"text":"But being that these dealerships only just being established up here, it could take a little bit before that that's, you know, going.","start":944.94,"end":952.08,"sentiment":"neutral","sentiment_score":0.0012685032156498535},{"text":"Yeah.","start":956.14,"end":956.64,"sentiment":"neutral","sentiment_score":0.1205882579088211},{"text":"Yep.","start":956.78,"end":957.28,"sentiment":"neutral","sentiment_score":-0.013949714601039886}],"sentiment":"neutral","sentiment_score":0.03618773973745401,"num_words":61,"start":931.265,"end":957.28},{"sentences":[{"text":"Yep.","start":967.885,"end":968.385,"sentiment":"neutral","sentiment_score":0.14327597618103027},{"text":"Yep.","start":977.56,"end":978.06,"sentiment":"neutral","sentiment_score":0.08281712979078293},{"text":"Yeah.","start":979.56,"end":980.06,"sentiment":"neutral","sentiment_score":0.027030982077121735},{"text":"The other the other thing I'm looking at also, and I'm applying for it, and they don't do an intake until next year is actually the the fire is.","start":980.44,"end":989.355,"sentiment":"neutral","sentiment_score":-0.015436908968820655},{"text":"So that risk profile would not change if I got into that.","start":989.355,"end":994.815,"sentiment":"neutral","sentiment_score":-0.018619530523816746}],"sentiment":"neutral","sentiment_score":-0.009499559962106023,"num_words":44,"start":967.885,"end":994.815},{"sentences":[{"text":"So Yep.","start":996.235,"end":1003.91,"sentiment":"neutral","sentiment_score":0.03490653075277805},{"text":"Yep.","start":1006.20996,"end":1006.70996,"sentiment":"neutral","sentiment_score":0.03456268832087517},{"text":"Yep.","start":1010.29,"end":1010.79,"sentiment":"neutral","sentiment_score":0.07092472910881042},{"text":"Yeah.","start":1015.775,"end":1016.275,"sentiment":"neutral","sentiment_score":0.09811988472938538},{"text":"Yeah.","start":1017.05505,"end":1017.455,"sentiment":"neutral","sentiment_score":0.1153642237186432}],"sentiment":"neutral","sentiment_score":0.06479743123054504,"num_words":6,"start":996.235,"end":1017.455},{"sentences":[{"text":"That so that is something I'm definitely considering because I yeah.","start":1017.455,"end":1021.53503,"sentiment":"neutral","sentiment_score":0.19939721985296768},{"text":"Out of the mine, I do a lot of emergency response stuff as well.","start":1021.53503,"end":1025.555,"sentiment":"neutral","sentiment_score":0.06558456591197423},{"text":"And I I actually really enjoy that, so that's that's why I'm looking into into that as an option and applying to their next intake.","start":1026.9501,"end":1034.63,"sentiment":"positive","sentiment_score":0.39765864610671997},{"text":"And we'll just see see what happens, but I'll keep you up to date.","start":1034.63,"end":1038.49,"sentiment":"neutral","sentiment_score":0.2803145231945174},{"text":"No.","start":1051.99,"end":1052.15,"sentiment":"neutral","sentiment_score":-0.04584956914186478}],"sentiment":"neutral","sentiment_score":0.26048574229845634,"num_words":65,"start":1017.455,"end":1052.15},{"sentences":[{"text":"Well, they do which would be conducive with the business with they do two ten hour days followed by two fourteen hour nights followed by four days off in those nights.","start":1052.15,"end":1063.37,"sentiment":"neutral","sentiment_score":0.04633508262134368},{"text":"Unless you get a call out, you're actually just sleeping at the firehouse.","start":1063.885,"end":1066.5449,"sentiment":"neutral","sentiment_score":-0.0040394366503908085},{"text":"So now I'm basically ready to wake up and respond if you have to, if anything.","start":1067.565,"end":1072.765,"sentiment":"neutral","sentiment_score":0.15608747862279415},{"text":"So that would be a bit more conducive for us being at being at home more often.","start":1072.765,"end":1076.82,"sentiment":"neutral","sentiment_score":0.1509881111628869},{"text":"So yeah.","start":1080.1,"end":1080.84,"sentiment":"neutral","sentiment_score":0.331200510263443}],"sentiment":"neutral","sentiment_score":0.09000599307680054,"num_words":79,"start":1052.15,"end":1080.84},{"sentences":[{"text":"Yeah.","start":1085.46,"end":1085.96,"sentiment":"neutral","sentiment_score":0.17520833015441897},{"text":"Yeah.","start":1086.34,"end":1086.74,"sentiment":"neutral","sentiment_score":0.20236092805862427},{"text":"No worries.","start":1086.74,"end":1087.22,"sentiment":"neutral","sentiment_score":0.26391274482011795},{"text":"Too easy.","start":1087.22,"end":1087.96,"sentiment":"positive","sentiment_score":0.47121261060237885},{"text":"All good.","start":1089.4551,"end":1090.115,"sentiment":"positive","sentiment_score":0.7440394163131714}],"sentiment":"positive","sentiment_score":0.41698735021054745,"num_words":8,"start":1085.46,"end":1090.115},{"sentences":[{"text":"Yep.","start":1095.775,"end":1096.275,"sentiment":"neutral","sentiment_score":0.25259721279144287},{"text":"No dramas at all.","start":1097.777,"end":1098.997,"sentiment":"neutral","sentiment_score":0.12972191721200943},{"text":"You too, Chase.","start":1102.3369,"end":1103.2369,"sentiment":"positive","sentiment_score":0.5000121394793192},{"text":"Yeah.","start":1103.4569,"end":1103.9569,"sentiment":"neutral","sentiment_score":-0.0998777449131012}],"sentiment":"neutral","sentiment_score":0.24129372835159302,"num_words":9,"start":1095.775,"end":1103.9569}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Sorry about that, Tommy.\n\nChannel 0: You're right there. Did just cut out for a quick bit.\n\nChannel 1: Yeah.\n\nChannel 0: Apologies of my mate. The offset.\n\nChannel 1: So yeah. So that's I've got a higher offset on the account here.\n\nChannel 0: Oh, perfect. I'll update that. What are we sitting at the moment?\n\nChannel 1: 240.\n\nChannel 0: Sensational. Alright. $2.40. I'll add that into the system. Thanks very much for that.\n\nAnd the main things we're going over, obviously, is the net wealth on the super, the Neos insurances, which is split between the out of pocket and the in super. And if you could just have a scroll through to ten and eleven for me, that's the risk profile section.\n\nChannel 1: Yep. Looking at that.\n\nChannel 0: Perfect. So we weren't doing any changes to your risk category at the moment. It was more just the engine tune up on the underlying investment. So, again,\n\nChannel 1: Yep.\n\nChannel 0: this will maintain that 90 to a 100% growth asset until such time as the super built to be enough. And then when you're close to retirement, we'll kind of step that back down from 90% to eighty, seventy, sixty, fifty, forty as you approach that kind of pension period.\n\nChannel 1: Yep.\n\nChannel 0: Now if you go past there, there's a bit of a wall of text on page 12 under strategy recommendation, and I just wanted to kind of summarize the key reasoning for the changes that I found.\n\nChannel 1: Yep.\n\nChannel 0: So main thing with Netwealth is we're obviously not looking at changing super funds right now. It still has one of the biggest investment menus, so we were able to get enough investments to switch in to get what we wanted. The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification. We're obviously not projecting your retirement outcome because that's a good eighteen years away and,\n\nChannel 1: Yep.\n\nChannel 0: obviously, too many variables in this situation to go that far out. Now if you go down to the next one, there's a table for advantages and disadvantages to be side by side.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So the main disadvantage with all of the overview portfolios is we use ETF. And although they have the lowest investment fee ongoing, you do pay a small amount of brokerage to purchase them upfront. So we do have to factor that in when we do the projections. The main advantages is cutting down the investment fee, getting the performance fixed up over one, three, five, and ten years, and keeping you in line with that both the investment style and the risk level as well.\n\nChannel 1: Okay.\n\nChannel 0: Now if you go down past there, there's a few warnings. Most of those are just around usual market risks. Obviously, we can't control the weather, but we are picking and choosing the investment options for you. Alternatives, there was a few different portfolios we looked at, but I wanna just kinda walk you through the reasoning a little bit here. If you can go down to page 15, you'll see an investment table.\n\nChannel 1: Yep.\n\nChannel 0: So the main thing here is a little bit of a rebalance. If you can see the second last column under target weight, that's where you can see all the percentages. It kind of rounded off figures rather than the 29.19. They're actually round off amounts.\n\nChannel 1: Yep.\n\nChannel 0: So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold. The Bennelong is the second row. That's the one that's being sold off and replaced.\n\nChannel 1: Yep.\n\nChannel 0: In the middle, I have changed some of the satellites as well. We've got a decent amount of gains out of Europe and Japan, for example, but sort of economic outlook for those is not doing as well as some of the other areas that we wanna look at. So I have wanted\n\nChannel 1: Yep.\n\nChannel 0: to update a few of those alongside Benelon.\n\nChannel 1: Okay.\n\nChannel 0: Now the bottom rows is about five or six. These are the new inclusions in the portfolio. I'll just go top to bottom briefly. India is coming in because manufacturing switching over from China to India is a bit more of a long term place. Better health care in there as well.\n\nThe Raffi Australia 200 and the Alfiniti Australian shares, those are your two replacement options for Benelon.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So these are the ones where the fees reduced by 10% for one of them, 70% for the other compared to Benelon, and the performance over one, three, five in ten years. Rafi tracks the Australian market very, very closely, and Aclinity has outperformed the Australian market over those periods as well. So that'll fix that that sort of quarter portion up, and the rest of it will be carried by the international shares of gold.\n\nChannel 1: Okay.\n\nChannel 0: The only other thing that I've added in there is at the bottom, the core composite bond is gonna be your new defensive allocation. I just wanted to get a bit of cash that was piling up. When the market kind of crashed, there was some cash cooling off to the side. That stopped a lot of the drop in the fund around March, but I'm just gonna deploy that into some fixed interest, which is essentially just low risk, higher returns than cash, but it's not in shares or anything high risk.\n\nChannel 1: Yep.\n\nChannel 0: Now if you go past there, last couple of tables, page 17 has your colored pie chart for the asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: And the main one to look at here is the middle row is grayed out for growth total. And, again, we're gonna keep you above 90%. You're sitting at 89 at the moment. Once we rebalance it, you'll be at 92. The cash gets deployed into the fixed interest, and that's the major change.\n\nI've dropped a little bit out of the Australian shares just because the economy is looking a bit rough with all the changes that are going on and interest rate rises. So we're just\n\nChannel 1: Yep.\n\nChannel 0: going a little bit heavier on the international side\n\nChannel 1: Okay.\n\nChannel 0: and alternatives. Cool.\n\nChannel 1: Yep.\n\nChannel 0: The outcomes themselves, next page, has your fee comparison. Now in that fee comparison table, easiest way to read this one is just go from the top right and go down that right hand column. So the balance, I've factored in there any kind of tackle gains tax that happens inside the super from switching all the investments around. We've put that in there already. And then below that, the investment fees go down from 1,800 to 1,100.\n\nSo it's about a good 40% off there. That also does factor in those the taxes for salary sacrifice. So when you put\n\nChannel 1: Okay.\n\nChannel 0: that money into super, it gets taxed at 15% instead of your marginal rate, and that comes out\n\nChannel 1: Yep.\n\nChannel 0: of the super fund as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Which yeah.\n\nChannel 0: The five\n\nChannel 1: I'm current\n\nChannel 0: year rolling\n\nChannel 1: I'm current.\n\nChannel 0: average. Go\n\nChannel 1: Yep.\n\nChannel 0: for it.\n\nChannel 1: Oh, yeah. I'm currently sacrificing 300 a fortnight into that.\n\nChannel 0: Beautiful. Beautiful. Just quickly flip down to I think what I was looking at to recommended was 200 at the time. So if you're comfortable with 300, mate, I'll keep that as is, and\n\nChannel 1: Yep.\n\nChannel 0: I'll update that in the background.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The five year rolling average in performance, we get it back up into double digits, which, again, high growth, you need to be hitting 10% or above. Some good years, you'll be up fifteen, twenty, 25. Some bad years, you'll go down double digits, but the main thing is consistency. So if you look at the projection at the bottom again, take this with a little bit of grain of salt, but fixing up the return and the salary sacrifice, we're estimating that'll boost things up by about 1 to 300,000 over five and ten years.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: the return table on the next page, I'm just trying to make sure I get all periods back into the double digit rather than just that kind of longer term. Wanna make sure that's still doing it pretty consistently.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, it goes through after that the salary sacrifice and the pros and cons of that, which is obviously pretax dollars, lower tax amount, more invested. But do you have any questions on the portfolio side of things at the moment?\n\nChannel 1: No.\n\nChannel 0: Perfect. So if you have a little scroll through, that salary sacrifice section, a lot of it's pretty general information. Does explain, obviously, not going over the cap of 32,500 for this financial year,\n\nChannel 1: Yep.\n\nChannel 0: which it should be fine. I don't see any major flags that you're gonna go over.\n\nChannel 1: No.\n\nChannel 0: Outside of that, it basically just ends with the estate planning. From pages 23 onwards, it just goes on the beneficiary nominations, making sure all that's fixed up. When you go to fill in the forms, we usually attach a cover letter with how to do it, but this document helps with that as well. So when you go to tick the box, you've got the binding nonmatching so that it stays legally binding and it doesn't expire. And then you can just tick relationship, percentage to nominate, put in their name, address, date of birth, and so on.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. Now with the there's usually some sort of blue purple buttons to move around the document and switch documents. Do you have any button there that says next document by any chance?\n\nChannel 1: And now go on. It says click to stop.\n\nChannel 0: Yeah. So when you hit click the star, it'll bring you to the bottom of this document to sign the authority to proceed. And there's\n\nChannel 1: Yep.\n\nChannel 0: a little bit of a box above it, which if you wanna vary any of the recommendations, you can type it in there. If you're happy with everything, you just put in n slash a and then go through to the the signature and the date stamp.\n\nChannel 1: Yeah. Next document.\n\nChannel 0: Cool. Now the next one should be our financial services guide.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So this is the main one I wanted to just finish off on. If you could just go down a couple of pages here So second last page of that document should be the fifth one, and you'll see a heading saying ongoing service fee, individual\n\nChannel 1: Yep.\n\nChannel 0: clients, and couple. I did mention in our review that we've got that new tier fee structure. And because you're above 200,000, I made sure not to send out any service agreements until now because we were just putting this in place for the discount. So just wanted to show you there. 200 to 500,000 is the first discount.\n\n500 to a mil is the next one.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. After that, may it pretty much just go into signing the consent form with Netwealth for our services, the appendix, and the product documents, which you can basically just skip through if you're happy with it. And the last one is just a service guide with all of our referral partners. And just bear in mind, if you try and scroll through them, that CDS with Netwealth is about 66 pages long. Unless you wanna read through the whole thing, that one doesn't require a signature.\n\nIt can just be skipped.\n\nChannel 1: It's yeah. I've just gone to the validate and send. Let me just wait.\n\nChannel 0: The old circle loading bar there. It usually takes\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: The\n\nChannel 0: moment.\n\nChannel 1: thing in the middle. Yep. The circle.\n\nChannel 0: Just while that's coming through, Matthew, is there anything in particular that you want me to kind of flag for the end of this year before our next catch up? Would you like anything between now and the next annual review, like a bit of a quarterly catch up or anything like that?\n\nChannel 1: No. I am looking at changing occupation potentially, And it's only\n\nChannel 0: Yep.\n\nChannel 1: starting to get back get back into Darwin full time to boost the family more and that's completed now. And so I'm back in terms of the forklift business as well.\n\nChannel 0: Yep.\n\nChannel 1: So I'm just in the process of looking for it. It's sort of jobs that will allow that.\n\nChannel 0: So if you do get a chance, like, when you do do the switch, if you can call in and let us know, that'd be amazing. If not, I'll just capture the the next review, Keep an eye on the portfolio, and we can just update the occupation then as well.\n\nChannel 1: Yep. Yeah. I promise.\n\nChannel 0: The only thing to keep in mind is if the new employer needs any SGC forms for the contribution, just give us a bell and the team can flick that out to you pretty quickly. And\n\nChannel 1: Yep.\n\nChannel 0: then just remind us for the salary sacrifice.\n\nChannel 1: Yep.\n\nChannel 0: Great.\n\nChannel 1: Yeah. No.\n\nChannel 0: Awesome.\n\nChannel 1: You're gonna miss\n\nChannel 0: Any questions for me before I let you go?\n\nChannel 1: no. No. Not at this stage. So, yeah, I'm probably gonna end up having to take a pay cut to come to come back to Darwin, but we'll play that as it comes.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: How big of a pay cut are you thinking? Do you have any indication yet? Or\n\nChannel 1: could be one position I'm looking at is with another forklift company, is being a sales rep, which is basically, it's about a 30% pay cut as base pay, but then you you work on commission. So there's there is potential\n\nChannel 0: Right.\n\nChannel 1: to actually make that up. So,\n\nChannel 0: Cool. So it'd still\n\nChannel 1: you\n\nChannel 0: be 6 figures,\n\nChannel 1: know,\n\nChannel 0: but you have to try\n\nChannel 1: so\n\nChannel 0: and boost up some biases.\n\nChannel 1: well, it would be about $90.90 k plus car plus phone and then plus\n\nChannel 0: Yep.\n\nChannel 1: commission on top of that. So, supposedly,\n\nChannel 0: Cool.\n\nChannel 1: the the lowest paid sales reps around Australia are on about that $1.40 mark with their their\n\nChannel 0: Okay.\n\nChannel 1: commission. So so taking that into consideration, I it shouldn't be too much of a pay cut. But being that these\n\nChannel 0: Yep.\n\nChannel 1: dealerships only just being established up here, it could take a little bit before that that's, you know, going.\n\nChannel 0: Gotta build some momentum up kind of thing.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: If that does happen as well, your I know it's a bit of a small thing, but your occupation rating with the insurers will improve if you go more sales rep. So\n\nChannel 1: Yep.\n\nChannel 0: I'll flag that as well. So if that does happen, we can either update the occupation with Neil, get the premiums down a pretty decent chunk, or shop\n\nChannel 1: Yep.\n\nChannel 0: around to another insurer as well.\n\nChannel 1: Yeah. The other the other thing I'm looking at also, and I'm applying for it, and they don't do an intake until next year is actually the the fire is. So that risk profile\n\nChannel 0: Yes. Okay.\n\nChannel 1: would not change if I got into that. So\n\nChannel 0: Yeah. Firefighters is one of those where it's like Pontus pilots, train drivers, and firing are the three\n\nChannel 1: Yep.\n\nChannel 0: that fit in their own little category. And, usually,\n\nChannel 1: Yep.\n\nChannel 0: there's some things covered internally through those guys. But\n\nChannel 1: Yep.\n\nChannel 0: I've got a few colleagues that actually changed changed careers to. So I'll keep an eye out\n\nChannel 1: Yeah.\n\nChannel 0: for that as well.\n\nChannel 1: Yeah. That so that is something I'm definitely considering because I yeah. Out of the mine, I do a lot of emergency response stuff as well.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And I I actually really enjoy that, so that's that's why I'm looking into into that as an option and applying to their next intake. And we'll just see see what happens, but I'll keep you up to date.\n\nChannel 0: Amazing. And that has come through signed as well, but I guess you gotta make sure you're doing what you enjoy as well, better lifestyle as well. Can all just be about locking in for thirty years?\n\nChannel 1: No. Well, they do which would be conducive with the business with they do two ten hour days followed by two fourteen hour nights followed by four days off in those nights. Unless you get a call out, you're actually just sleeping at the firehouse. So now I'm basically ready to wake up and respond if you have to, if anything. So that would be a bit more\n\nChannel 0: Yeah.\n\nChannel 1: conducive\n\nChannel 0: Right.\n\nChannel 1: for us being at being at home more often.\n\nChannel 0: Perfect. Well, good luck\n\nChannel 1: So\n\nChannel 0: with\n\nChannel 1: yeah.\n\nChannel 0: it. I hope the next time we chat, there's been a few changes there, and, mate, best of luck.\n\nChannel 1: Yeah. Yeah. No worries. Too easy.\n\nChannel 0: Awesome.\n\nChannel 1: All good.\n\nChannel 0: Well, mate, have a fantastic weekend. Anything pop up with those beneficiary forms, again, just give us a buzz.\n\nChannel 1: Yep. No dramas at all.\n\nChannel 0: Oh, awesome, man. Have a good one, man. Cheers.\n\nChannel 1: You too, Chase. Yeah.","paragraphs":[{"sentences":[{"text":"Sorry about that, Tommy.","start":1.1999999,"end":2.42,"sentiment":"neutral","sentiment_score":-0.2777709439396858}],"sentiment":"neutral","sentiment_score":-0.2777709439396858,"channel":1,"num_words":4,"start":1.1999999,"end":2.42},{"sentences":[{"text":"You're right there.","start":3.1999998,"end":3.9199998,"sentiment":"neutral","sentiment_score":-0.09171916420261066},{"text":"Did just cut out for a quick bit.","start":3.9199998,"end":5.62,"sentiment":"neutral","sentiment_score":-0.15126575715839863}],"sentiment":"neutral","sentiment_score":-0.13502577726136555,"channel":0,"num_words":11,"start":3.1999998,"end":5.62},{"sentences":[{"text":"Yeah.","start":6.16,"end":6.66,"sentiment":"neutral","sentiment_score":-0.08450987935066223}],"sentiment":"neutral","sentiment_score":-0.08450987935066223,"channel":1,"num_words":1,"start":6.16,"end":6.66},{"sentences":[{"text":"Apologies of my mate.","start":8.08,"end":9.78,"sentiment":"neutral","sentiment_score":-0.2137417010962963},{"text":"The offset.","start":10.16,"end":10.82,"sentiment":"neutral","sentiment_score":-0.10729605704545975}],"sentiment":"neutral","sentiment_score":-0.17825981974601746,"channel":0,"num_words":6,"start":8.08,"end":10.82},{"sentences":[{"text":"So yeah.","start":11.44,"end":12.4,"sentiment":"neutral","sentiment_score":-0.03615066967904568},{"text":"So that's I've got a higher offset on the account here.","start":12.4,"end":15.945,"sentiment":"neutral","sentiment_score":-0.03660464303737337}],"sentiment":"neutral","sentiment_score":-0.036534800982246034,"channel":1,"num_words":13,"start":11.44,"end":15.945},{"sentences":[{"text":"Oh, perfect.","start":17.135,"end":17.775,"sentiment":"positive","sentiment_score":0.4134548455476761},{"text":"I'll update that.","start":17.775,"end":18.915,"sentiment":"neutral","sentiment_score":0.2876500089963277},{"text":"What are we sitting at the moment?","start":19.055,"end":20.755001,"sentiment":"neutral","sentiment_score":0.05035447595374925}],"sentiment":"neutral","sentiment_score":0.17019508748004833,"channel":0,"num_words":12,"start":17.135,"end":20.755001},{"sentences":[{"text":"240.","start":21.945,"end":23.164999,"sentiment":"neutral","sentiment_score":0.03376501798629761}],"sentiment":"neutral","sentiment_score":0.03376501798629761,"channel":1,"num_words":1,"start":21.945,"end":23.164999},{"sentences":[{"text":"Sensational.","start":25.439999,"end":25.939999,"sentiment":"neutral","sentiment_score":0.10400688648223876},{"text":"Alright.","start":29.68,"end":30.08,"sentiment":"neutral","sentiment_score":0.1051548272371292},{"text":"$2.40.","start":30.08,"end":30.72,"sentiment":"neutral","sentiment_score":0.1193465143442154},{"text":"I'll add that into the system.","start":30.72,"end":32.0,"sentiment":"neutral","sentiment_score":0.2610006555914879},{"text":"Thanks very much for that.","start":32.0,"end":33.22,"sentiment":"positive","sentiment_score":0.7667687654495239}],"sentiment":"positive","sentiment_score":0.40916828491858076,"channel":0,"num_words":14,"start":25.439999,"end":33.22},{"sentences":[{"text":"And the main things we're going over, obviously, is the net wealth on the super, the Neos insurances, which is split between the out of pocket and the in super.","start":33.76,"end":44.805,"sentiment":"neutral","sentiment_score":0.1644368886947632},{"text":"And if you could just have a scroll through to ten and eleven for me, that's the risk profile section.","start":45.425,"end":51.125,"sentiment":"neutral","sentiment_score":0.0414573272690177}],"sentiment":"neutral","sentiment_score":0.11524506412446499,"channel":0,"num_words":50,"start":33.76,"end":51.125},{"sentences":[{"text":"Yep.","start":63.329998,"end":63.649998,"sentiment":"neutral","sentiment_score":0.1266901046037674},{"text":"Looking at that.","start":63.649998,"end":64.549995,"sentiment":"neutral","sentiment_score":0.25053342680136365}],"sentiment":"neutral","sentiment_score":0.21957259625196457,"channel":1,"num_words":4,"start":63.329998,"end":64.549995},{"sentences":[{"text":"Perfect.","start":65.29,"end":65.77,"sentiment":"positive","sentiment_score":0.5346669554710388},{"text":"So we weren't doing any changes to your risk category at the moment.","start":65.77,"end":70.185,"sentiment":"neutral","sentiment_score":-0.1335573878425818},{"text":"It was more just the engine tune up on the underlying investment.","start":70.185,"end":73.405,"sentiment":"neutral","sentiment_score":-0.04204071592539549},{"text":"So, again,","start":73.865,"end":74.685,"sentiment":"neutral","sentiment_score":0.05648027360439301}],"sentiment":"neutral","sentiment_score":-0.05689668322780302,"channel":0,"num_words":28,"start":65.29,"end":74.685},{"sentences":[{"text":"Yep.","start":74.454994,"end":74.954994,"sentiment":"neutral","sentiment_score":0.18033528327941897}],"sentiment":"neutral","sentiment_score":0.18033528327941897,"channel":1,"num_words":1,"start":74.454994,"end":74.954994},{"sentences":[{"text":"this will maintain that 90 to a 100% growth asset until such time as the super built to be enough.","start":74.905,"end":81.15,"sentiment":"neutral","sentiment_score":0.1950437046587467},{"text":"And then when you're close to retirement, we'll kind of step that back down from 90% to eighty, seventy, sixty, fifty, forty as you approach that kind of pension period.","start":81.310005,"end":92.770004,"sentiment":"neutral","sentiment_score":0.037371295131742956}],"sentiment":"neutral","sentiment_score":0.10044025894254446,"channel":0,"num_words":50,"start":74.905,"end":92.770004},{"sentences":[{"text":"Yep.","start":93.700005,"end":94.200005,"sentiment":"neutral","sentiment_score":0.09509076923131944}],"sentiment":"neutral","sentiment_score":0.09509076923131944,"channel":1,"num_words":1,"start":93.700005,"end":94.200005},{"sentences":[{"text":"Now if you go past there, there's a bit of a wall of text on page 12 under strategy recommendation, and I just wanted to kind of summarize the key reasoning for the changes that I found.","start":95.165,"end":105.505,"sentiment":"neutral","sentiment_score":0.07348437481433959}],"sentiment":"neutral","sentiment_score":0.07348437481433959,"channel":0,"num_words":37,"start":95.165,"end":105.505},{"sentences":[{"text":"Yep.","start":108.505005,"end":109.005005,"sentiment":"neutral","sentiment_score":0.04013435170054436}],"sentiment":"neutral","sentiment_score":0.04013435170054436,"channel":1,"num_words":1,"start":108.505005,"end":109.005005},{"sentences":[{"text":"So main thing with Netwealth is we're obviously not looking at changing super funds right now.","start":110.08,"end":114.1,"sentiment":"neutral","sentiment_score":-0.22030002484098077},{"text":"It still has one of the biggest investment menus, so we were able to get enough investments to switch in to get what we wanted.","start":114.32,"end":121.86,"sentiment":"neutral","sentiment_score":-0.035261256396770475},{"text":"The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification.","start":122.479996,"end":130.655,"sentiment":"neutral","sentiment_score":0.07284801410367855},{"text":"We're obviously not projecting your retirement outcome because that's a good eighteen years away and,","start":132.315,"end":138.68001,"sentiment":"negative","sentiment_score":-0.37055538098017377}],"sentiment":"neutral","sentiment_score":-0.09842212384612095,"channel":0,"num_words":82,"start":110.08,"end":138.68001},{"sentences":[{"text":"Yep.","start":138.635,"end":139.135,"sentiment":"neutral","sentiment_score":-0.2546107769012451}],"sentiment":"neutral","sentiment_score":-0.2546107769012451,"channel":1,"num_words":1,"start":138.635,"end":139.135},{"sentences":[{"text":"obviously, too many variables in this situation to go that far out.","start":138.68001,"end":142.14,"sentiment":"negative","sentiment_score":-0.3826962721844514},{"text":"Now if you go down to the next one, there's a table for advantages and disadvantages to be side by side.","start":144.04001,"end":150.46,"sentiment":"neutral","sentiment_score":0.00016308779872599102}],"sentiment":"neutral","sentiment_score":-0.13905849764970216,"channel":0,"num_words":33,"start":138.68001,"end":150.46},{"sentences":[{"text":"Okay.","start":153.16,"end":153.24,"sentiment":"neutral","sentiment_score":0.04643595591187477},{"text":"Yep.","start":153.24,"end":153.74,"sentiment":"neutral","sentiment_score":0.07795161008834839}],"sentiment":"neutral","sentiment_score":0.06219378300011158,"channel":1,"num_words":2,"start":153.16,"end":153.74},{"sentences":[{"text":"So the main disadvantage with all of the overview portfolios is we use ETF.","start":154.605,"end":159.265,"sentiment":"neutral","sentiment_score":-0.10960994235106877},{"text":"And although they have the lowest investment fee ongoing, you do pay a small amount of brokerage to purchase them upfront.","start":159.805,"end":167.25,"sentiment":"neutral","sentiment_score":-0.1617805159517697},{"text":"So we do have to factor that in when we do the projections.","start":167.55,"end":170.53,"sentiment":"neutral","sentiment_score":-0.04271382007461328},{"text":"The main advantages is cutting down the investment fee, getting the performance fixed up over one, three, five, and ten years, and keeping you in line with that both the investment style and the risk level as well.","start":171.15001,"end":184.215,"sentiment":"positive","sentiment_score":0.593704375781511}],"sentiment":"neutral","sentiment_score":0.1985297278002944,"channel":0,"num_words":86,"start":154.605,"end":184.215},{"sentences":[{"text":"Okay.","start":185.20499,"end":185.70499,"sentiment":"neutral","sentiment_score":0.015233475714921951}],"sentiment":"neutral","sentiment_score":0.015233475714921951,"channel":1,"num_words":1,"start":185.20499,"end":185.70499},{"sentences":[{"text":"Now if you go down past there, there's a few warnings.","start":186.595,"end":189.655,"sentiment":"neutral","sentiment_score":-0.08941917358474298},{"text":"Most of those are just around usual market risks.","start":190.19499,"end":193.02,"sentiment":"neutral","sentiment_score":-0.20502779053317177},{"text":"Obviously, we can't control the weather, but we are picking and choosing the investment options for you.","start":193.42,"end":199.44,"sentiment":"neutral","sentiment_score":-0.09509549728211235},{"text":"Alternatives, there was a few different portfolios we looked at, but I wanna just kinda walk you through the reasoning a little bit here.","start":200.94,"end":207.705,"sentiment":"neutral","sentiment_score":0.05004776183826228},{"text":"If you can go down to page 15, you'll see an investment table.","start":207.785,"end":212.205,"sentiment":"neutral","sentiment_score":0.023100320249795914}],"sentiment":"neutral","sentiment_score":-0.0397842436575809,"channel":0,"num_words":74,"start":186.595,"end":212.205},{"sentences":[{"text":"Yep.","start":213.905,"end":214.405,"sentiment":"neutral","sentiment_score":0.06764701753854752}],"sentiment":"neutral","sentiment_score":0.06764701753854752,"channel":1,"num_words":1,"start":213.905,"end":214.405},{"sentences":[{"text":"So the main thing here is a little bit of a rebalance.","start":215.30501,"end":218.765,"sentiment":"neutral","sentiment_score":0.05908380635082722},{"text":"If you can see the second last column under target weight, that's where you can see all the percentages.","start":218.825,"end":224.58,"sentiment":"neutral","sentiment_score":0.057331040697662455},{"text":"It kind of rounded off figures rather than the 29.19.","start":224.58,"end":228.90001,"sentiment":"neutral","sentiment_score":-0.005417618714272976},{"text":"They're actually round off amounts.","start":228.90001,"end":230.76001,"sentiment":"neutral","sentiment_score":0.0027928464114665985}],"sentiment":"neutral","sentiment_score":0.03821920639956775,"channel":0,"num_words":46,"start":215.30501,"end":230.76001},{"sentences":[{"text":"Yep.","start":231.68001,"end":232.18001,"sentiment":"neutral","sentiment_score":0.054292261600494385}],"sentiment":"neutral","sentiment_score":0.054292261600494385,"channel":1,"num_words":1,"start":231.68001,"end":232.18001},{"sentences":[{"text":"So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold.","start":232.98001,"end":239.045,"sentiment":"neutral","sentiment_score":0.06528437843448237},{"text":"The Bennelong is the second row.","start":239.425,"end":241.105,"sentiment":"neutral","sentiment_score":0.012635070830583572},{"text":"That's the one that's being sold off and replaced.","start":241.105,"end":243.845,"sentiment":"neutral","sentiment_score":-0.0014375731762912539}],"sentiment":"neutral","sentiment_score":0.03833163107800133,"channel":0,"num_words":34,"start":232.98001,"end":243.845},{"sentences":[{"text":"Yep.","start":244.735,"end":245.235,"sentiment":"neutral","sentiment_score":0.04878637194633484}],"sentiment":"neutral","sentiment_score":0.04878637194633484,"channel":1,"num_words":1,"start":244.735,"end":245.235},{"sentences":[{"text":"In the middle, I have changed some of the satellites as well.","start":245.825,"end":249.045,"sentiment":"neutral","sentiment_score":0.05524924645821253},{"text":"We've got a decent amount of gains out of Europe and Japan, for example, but sort of economic outlook for those is not doing as well as some of the other areas that we wanna look at.","start":249.905,"end":261.61002,"sentiment":"neutral","sentiment_score":-0.045587831655064144},{"text":"So I have wanted","start":261.61002,"end":262.41,"sentiment":"neutral","sentiment_score":0.07344505283981562}],"sentiment":"neutral","sentiment_score":-0.01377318117697284,"channel":0,"num_words":53,"start":245.825,"end":262.41},{"sentences":[{"text":"Yep.","start":262.24002,"end":262.74002,"sentiment":"neutral","sentiment_score":0.08036009967327118}],"sentiment":"neutral","sentiment_score":0.08036009967327118,"channel":1,"num_words":1,"start":262.24002,"end":262.74002},{"sentences":[{"text":"to update a few of those alongside 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at being at home more often.","start":1074.845,"end":1076.82,"sentiment":"neutral","sentiment_score":0.206080115503735}],"sentiment":"neutral","sentiment_score":0.206080115503735,"channel":1,"num_words":9,"start":1074.845,"end":1076.82},{"sentences":[{"text":"Perfect.","start":1078.5149,"end":1079.0149,"sentiment":"positive","sentiment_score":0.6957809925079346},{"text":"Well, good luck","start":1079.57,"end":1080.21,"sentiment":"positive","sentiment_score":0.5670313636461893}],"sentiment":"positive","sentiment_score":0.5992187708616257,"channel":0,"num_words":4,"start":1078.5149,"end":1080.21},{"sentences":[{"text":"So","start":1080.1,"end":1080.22,"sentiment":"positive","sentiment_score":0.3731507658958435}],"sentiment":"positive","sentiment_score":0.3731507658958435,"channel":1,"num_words":1,"start":1080.1,"end":1080.22},{"sentences":[{"text":"with","start":1080.21,"end":1080.37,"sentiment":"positive","sentiment_score":0.3553106486797333}],"sentiment":"positive","sentiment_score":0.3553106486797333,"channel":0,"num_words":1,"start":1080.21,"end":1080.37},{"sentences":[{"text":"yeah.","start":1080.34,"end":1080.84,"sentiment":"neutral","sentiment_score":0.2892502546310425}],"sentiment":"neutral","sentiment_score":0.2892502546310425,"channel":1,"num_words":1,"start":1080.34,"end":1080.84},{"sentences":[{"text":"it.","start":1080.37,"end":1080.53,"sentiment":"positive","sentiment_score":0.3939845860004425},{"text":"I hope the next time we chat, there's been a few changes there, and, mate, best of luck.","start":1080.53,"end":1085.75,"sentiment":"neutral","sentiment_score":0.28743990345133674}],"sentiment":"neutral","sentiment_score":0.2930475183223423,"channel":0,"num_words":19,"start":1080.37,"end":1085.75},{"sentences":[{"text":"Yeah.","start":1085.46,"end":1085.96,"sentiment":"neutral","sentiment_score":0.17520833015441897},{"text":"Yeah.","start":1086.34,"end":1086.74,"sentiment":"neutral","sentiment_score":0.20236092805862427},{"text":"No worries.","start":1086.74,"end":1087.22,"sentiment":"neutral","sentiment_score":0.26391274482011795},{"text":"Too 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buzz.","start":1091.57,"end":1094.925,"sentiment":"positive","sentiment_score":0.45469099970964283}],"sentiment":"positive","sentiment_score":0.555420563409203,"channel":0,"num_words":19,"start":1089.65,"end":1094.925},{"sentences":[{"text":"Yep.","start":1095.775,"end":1096.275,"sentiment":"neutral","sentiment_score":0.25259721279144287},{"text":"No dramas at all.","start":1097.777,"end":1098.997,"sentiment":"neutral","sentiment_score":0.12972191721200943}],"sentiment":"neutral","sentiment_score":0.15429697632789613,"channel":1,"num_words":5,"start":1095.775,"end":1098.997},{"sentences":[{"text":"Oh, awesome, man.","start":1099.805,"end":1100.525,"sentiment":"positive","sentiment_score":0.7294235229492188},{"text":"Have a good one, man.","start":1100.525,"end":1101.3251,"sentiment":"positive","sentiment_score":0.7209645867347717},{"text":"Cheers.","start":1101.3251,"end":1101.8251,"sentiment":"positive","sentiment_score":0.6868059039115906}],"sentiment":"positive","sentiment_score":0.7199888229370117,"channel":0,"num_words":9,"start":1099.805,"end":1101.8251},{"sentences":[{"text":"You too, Chase.","start":1102.3369,"end":1103.2369,"sentiment":"positive","sentiment_score":0.5000121394793192},{"text":"Yeah.","start":1103.4569,"end":1103.9569,"sentiment":"neutral","sentiment_score":-0.0998777449131012}],"sentiment":"positive","sentiment_score":0.35003966838121414,"channel":1,"num_words":4,"start":1102.3369,"end":1103.9569}]},"summary":{"result":"success","short":"The speakers discuss changes to the risk profile section of a portfolio, including rebalancing the portfolio and cutting down investment fees. They also provide information on fee comparison tables and recommend targeting a return of over 300,000 over five years. They emphasize the importance of boosting biases and keeping an eye on the portfolio, and discuss potential pay cuts and job opportunities. They also mention upcoming annual reviews and a new tier fee structure. They emphasize the importance of boosting biases and keeping an eye on the portfolio, and will keep the speaker updated on their progress."},"intents":{"segments":[{"text":"What are we sitting at the moment?","start_word":40,"end_word":46,"intents":[{"intent":"Update account information","confidence_score":0.333276}]},{"text":"So main thing with Netwealth is we're obviously not looking at changing super funds right now. It still has one of the biggest investment menus, so we were able to get enough investments to switch in to get what we wanted.","start_word":234,"end_word":274,"intents":[{"intent":"Discuss investment portfolio changes","confidence_score":0.03619625}]},{"text":"The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification.","start_word":275,"end_word":300,"intents":[{"intent":"Improve position","confidence_score":0.06610547},{"intent":"Address fees","confidence_score":0.6027275},{"intent":"Address diversification","confidence_score":0.48683488}]},{"text":"The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification. We're obviously not projecting your retirement outcome because that's a good eighteen years away and, Yep. obviously, too many variables in this situation to go that far out.","start_word":275,"end_word":328,"intents":[{"intent":"Address performance","confidence_score":0.46464717}]},{"text":"Now if you go down to the next one, there's a table for advantages and disadvantages to be side by side.","start_word":330,"end_word":350,"intents":[{"intent":"Discuss portfolio advantages and disadvantages","confidence_score":0.07388637}]},{"text":"So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold.","start_word":561,"end_word":579,"intents":[{"intent":"Discuss portfolio rebalancing","confidence_score":0.009679044}]},{"text":"So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold. The Bennelong is the second row. That's the one that's being sold off and replaced.","start_word":561,"end_word":594,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.11524361}]},{"text":"to update a few of those alongside Benelon. Okay.","start_word":650,"end_word":658,"intents":[{"intent":"Update portfolio inclusions","confidence_score":0.106703915}]},{"text":"So these are the ones where the fees reduced by 10% for one of them, 70% for the other compared to Benelon, and the performance over one, three, five in ten years.","start_word":730,"end_word":761,"intents":[{"intent":"Provide financial information","confidence_score":0.0008737689}]},{"text":"And then below that, the investment fees go down from 1,800 to 1,100. So it's about a good 40% off there.","start_word":1091,"end_word":1111,"intents":[{"intent":"Adjust investment fees","confidence_score":0.0020122305}]},{"text":"Outside of that, it goes through after that the salary sacrifice and the pros and cons of that, which is obviously pretax dollars, lower tax amount, more invested.","start_word":1363,"end_word":1390,"intents":[{"intent":"Explain fee","confidence_score":0.0016871647}]},{"text":"Outside of that, it goes through after that the salary sacrifice and the pros and cons of that, which is obviously pretax dollars, lower tax amount, more invested. But do you have any questions on the portfolio side of things at the moment? No. Perfect.","start_word":1363,"end_word":1407,"intents":[{"intent":"Provide information on salary sacrifice","confidence_score":0.12569182}]},{"text":"But do you have any questions on the portfolio side of things at the moment?","start_word":1390,"end_word":1404,"intents":[{"intent":"Answer questions on portfolio","confidence_score":0.004583026}]},{"text":"Outside of that, it basically just ends with the estate planning. From pages 23 onwards, it just goes on the beneficiary nominations, making sure all that's fixed up.","start_word":1458,"end_word":1485,"intents":[{"intent":"Identify issues on estate planning","confidence_score":0.000023365237}]},{"text":"And then you can just tick relationship, percentage to nominate, put in their name, address, date of birth, and so on.","start_word":1536,"end_word":1556,"intents":[{"intent":"Provide contact information","confidence_score":0.0048765517}]},{"text":"a little bit of a box above it, which if you wanna vary any of the recommendations, you can type it in there. If you're happy with everything, you just put in n slash a and then go through to the the signature and the date stamp. Yeah.","start_word":1627,"end_word":1674,"intents":[{"intent":"Provide recommendations for documents","confidence_score":0.009893083},{"intent":"Provide recommendations for document","confidence_score":0.009545995}]},{"text":"Now the next one should be our financial services guide. Yep.","start_word":1678,"end_word":1688,"intents":[{"intent":"Provide guidance on next document","confidence_score":0.0007826679}]},{"text":"So this is the main one I wanted to just finish off on.","start_word":1690,"end_word":1702,"intents":[{"intent":"Conclude conversation","confidence_score":0.012766586}]},{"text":"If you could just go down a couple of pages here So second last page of that document should be the fifth one, and you'll see a heading saying ongoing service fee, individual Yep. clients, and couple.","start_word":1704,"end_word":1740,"intents":[{"intent":"Provide service details and updates on fees and discounts","confidence_score":1.2703444e-11}]},{"text":"So if you do get a chance, like, when you do do the switch, if you can call in and let us know, that'd be amazing. If not, I'll just capture the the next review, Keep an eye on the portfolio, and we can just update the occupation then as well.","start_word":2048,"end_word":2098,"intents":[{"intent":"Update occupation","confidence_score":0.061049}]},{"text":"If not, I'll just capture the the next review, Keep an eye on the portfolio, and we can just update the occupation then as well.","start_word":2073,"end_word":2097,"intents":[{"intent":"Review portfolio","confidence_score":0.02801534}]},{"text":"then just remind us for the salary sacrifice.","start_word":2139,"end_word":2146,"intents":[{"intent":"Recall salary sacrifice","confidence_score":0.27436426}]},{"text":"So it'd still you be 6 figures, know, but you have to try so and boost up some biases.","start_word":2264,"end_word":2282,"intents":[{"intent":"Boost biases","confidence_score":0.025818307}]},{"text":"Gotta build some momentum up kind of thing.","start_word":2365,"end_word":2372,"intents":[{"intent":"Build momentum","confidence_score":0.2638765}]}]},"sentiments":{"segments":[{"text":"Sorry about that, Tommy. You're right there. Did just cut out for a quick bit. Yeah. Apologies of my mate. The offset. So yeah. So that's I've got a higher offset on the account here.","start_word":0,"end_word":34,"sentiment":"neutral","sentiment_score":-0.12267836928367616},{"text":"Oh, perfect.","start_word":35,"end_word":36,"sentiment":"positive","sentiment_score":0.4134548306465149},{"text":"I'll update that. What are we sitting at the moment? 240. Sensational. Alright. $2.40. I'll add that into the system.","start_word":37,"end_word":56,"sentiment":"neutral","sentiment_score":0.15088117122650146},{"text":"Thanks very much for that.","start_word":57,"end_word":61,"sentiment":"positive","sentiment_score":0.750324010848999},{"text":"And the main things we're going over, obviously, is the net wealth on the super, the Neos insurances, which is split between the out of pocket and the in super. And if you could just have a scroll through to ten and eleven for me, that's the risk profile section. Yep. Looking at that.","start_word":62,"end_word":115,"sentiment":"neutral","sentiment_score":0.12389619648456572},{"text":"Perfect.","start_word":116,"end_word":116,"sentiment":"positive","sentiment_score":0.5346669554710388},{"text":"So we weren't doing any changes to your risk category at the moment. It was more just the engine tune up on the underlying investment. So, again, Yep. this will maintain that 90 to a 100% growth asset until such time as the super built to be enough. And then when you're close to retirement, we'll kind of step that back down from 90% to eighty, seventy, sixty, fifty, forty as you approach that kind of pension period. Yep. Now if you go past there, there's a bit of a wall of text on page 12 under strategy recommendation, and I just wanted to kind of summarize the key reasoning for the changes that I found. Yep. So main thing with Netwealth is we're obviously not looking at changing super funds right now. It still has one of the biggest investment menus, so we were able to get enough investments to switch in to get what we wanted. The main thing here is just trying to improve the position over the next five to ten years, deal with the fees, the performance, the diversification.","start_word":117,"end_word":300,"sentiment":"neutral","sentiment_score":0.01655668206512928},{"text":"We're obviously not projecting your retirement outcome because that's a good eighteen years away and, Yep. obviously, too many variables in this situation to go that far out.","start_word":301,"end_word":328,"sentiment":"negative","sentiment_score":-0.3744206726551056},{"text":"Now if you go down to the next one, there's a table for advantages and disadvantages to be side by side. Okay. Yep. So the main disadvantage with all of the overview portfolios is we use ETF. And although they have the lowest investment fee ongoing, you do pay a small amount of brokerage to purchase them upfront. So we do have to factor that in when we do the projections.","start_word":329,"end_word":399,"sentiment":"neutral","sentiment_score":-0.07091331481933594},{"text":"The main advantages is cutting down the investment fee, getting the performance fixed up over one, three, five, and ten years, and keeping you in line with that both the investment style and the risk level as well.","start_word":400,"end_word":437,"sentiment":"positive","sentiment_score":0.594623863697052},{"text":"Okay. Now if you go down past there, there's a few warnings. Most of those are just around usual market risks. Obviously, we can't control the weather, but we are picking and choosing the investment options for you. Alternatives, there was a few different portfolios we looked at, but I wanna just kinda walk you through the reasoning a little bit here. If you can go down to page 15, you'll see an investment table. Yep. So the main thing here is a little bit of a rebalance. If you can see the second last column under target weight, that's where you can see all the percentages. It kind of rounded off figures rather than the 29.19. They're actually round off amounts. Yep. So rebalancing the portfolio puts a little bit back into a few options such as cyber security and gold. The Bennelong is the second row. That's the one that's being sold off and replaced. Yep. In the middle, I have changed some of the satellites as well. We've got a decent amount of gains out of Europe and Japan, for example, but sort of economic outlook for those is not doing as well as some of the other areas that we wanna look at. So I have wanted Yep. to update a few of those alongside Benelon. Okay. Now the bottom rows is about five or six. These are the new inclusions in the portfolio. I'll just go top to bottom briefly. India is coming in because manufacturing switching over from China to India is a bit more of a long term place.","start_word":438,"end_word":703,"sentiment":"neutral","sentiment_score":0.022919797706172657},{"text":"Better health care in there as well.","start_word":704,"end_word":710,"sentiment":"positive","sentiment_score":0.4871603548526764},{"text":"The Raffi Australia 200 and the Alfiniti Australian shares, those are your two replacement options for Benelon. Okay. Yep.","start_word":711,"end_word":729,"sentiment":"neutral","sentiment_score":0.1813500374555588},{"text":"So these are the ones where the fees reduced by 10% for one of them, 70% for the other compared to Benelon, and the performance over one, three, five in ten years. Rafi tracks the Australian market very, very closely, and Aclinity has outperformed the Australian market over those periods as well.","start_word":730,"end_word":781,"sentiment":"positive","sentiment_score":0.47043776512146},{"text":"So that'll fix that that sort of quarter portion up, and the rest of it will be carried by the international shares of gold. Okay. The only other thing that I've added in there is at the bottom, the core composite bond is gonna be your new defensive allocation. I just wanted to get a bit of cash that was piling up. When the market kind of crashed, there was some cash cooling off to the side. That stopped a lot of the drop in the fund around March, but I'm just gonna deploy that into some fixed interest, which is essentially just low risk, higher returns than cash, but it's not in shares or anything high risk. Yep. Now if you go past there, last couple of tables, page 17 has your colored pie chart for the asset allocation. Yep. And the main one to look at here is the middle row is grayed out for growth total. And, again, we're gonna keep you above 90%. You're sitting at 89 at the moment. Once we rebalance it, you'll be at 92. The cash gets deployed into the fixed interest, and that's the major change. I've dropped a little bit out of the Australian shares just because the economy is looking a bit rough with all the changes that are going on and interest rate rises. So we're just Yep. going a little bit heavier on the international side Okay. and alternatives. Cool. Yep. The outcomes themselves, next page, has your fee comparison. Now in that fee comparison table, easiest way to read this one is just go from the top right and go down that right hand column. So the balance, I've factored in there any kind of tackle gains tax that happens inside the super from switching all the investments around. We've put that in there already. And then below that, the investment fees go down from 1,800 to 1,100.","start_word":782,"end_word":1103,"sentiment":"neutral","sentiment_score":0.040984896543834894},{"text":"So it's about a good 40% off there.","start_word":1104,"end_word":1111,"sentiment":"positive","sentiment_score":0.42911848425865173},{"text":"That also does factor in those the taxes for salary sacrifice. So when you put Okay. that money into super, it gets taxed at 15% instead of your marginal rate, and that comes out Yep. of the super fund as well. Yeah. Okay.","start_word":1112,"end_word":1154,"sentiment":"neutral","sentiment_score":0.15637779235839844},{"text":"Cool.","start_word":1155,"end_word":1155,"sentiment":"positive","sentiment_score":0.3392429053783417},{"text":"Which yeah. The five I'm current year rolling I'm current. average. Go Yep. for it. Oh, yeah. I'm currently sacrificing 300 a fortnight into that.","start_word":1156,"end_word":1180,"sentiment":"neutral","sentiment_score":0.12035398185253143},{"text":"Beautiful. Beautiful.","start_word":1181,"end_word":1182,"sentiment":"positive","sentiment_score":0.5888988375663757},{"text":"Just quickly flip down to I think what I was looking at to recommended was 200 at the time. So if you're comfortable with 300, mate, I'll keep that as is, and Yep. I'll update that in the background. Yep.","start_word":1183,"end_word":1222,"sentiment":"neutral","sentiment_score":0.1580181121826172},{"text":"Beautiful. The five year rolling average in performance, we get it back up into double digits, which, again, high growth, you need to be hitting 10% or above.","start_word":1223,"end_word":1250,"sentiment":"positive","sentiment_score":0.4193038642406464},{"text":"Some good years, you'll be up fifteen, twenty, 25. Some bad years, you'll go down double digits, but the main thing is consistency. So if you look at the projection at the bottom again, take this with a little bit of grain of salt, but fixing up the return and the salary sacrifice, we're estimating that'll boost things up by about 1 to 300,000 over five and ten years. And Yep. the return table on the next page, I'm just trying to make sure I get all periods back into the double digit rather than just that kind of longer term. Wanna make sure that's still doing it pretty consistently. Yep. Outside of that, it goes through after that the salary sacrifice and the pros and cons of that, which is obviously pretax dollars, lower tax amount, more invested. But do you have any questions on the portfolio side of things at the moment? No.","start_word":1251,"end_word":1405,"sentiment":"neutral","sentiment_score":0.1544413092636293},{"text":"Perfect.","start_word":1406,"end_word":1406,"sentiment":"positive","sentiment_score":0.4817941188812256},{"text":"So if you have a little scroll through, that salary sacrifice section, a lot of it's pretty general information. Does explain, obviously, not going over the cap of 32,500 for this financial year, Yep.","start_word":1407,"end_word":1440,"sentiment":"neutral","sentiment_score":0.22611981630325317},{"text":"which it should be fine.","start_word":1441,"end_word":1445,"sentiment":"positive","sentiment_score":0.4384837746620178},{"text":"I don't see any major flags that you're gonna go over. No. Outside of that, it basically just ends with the estate planning. From pages 23 onwards, it just goes on the beneficiary nominations, making sure all that's fixed up. When you go to fill in the forms, we usually attach a cover letter with how to do it, but this document helps with that as well. So when you go to tick the box, you've got the binding nonmatching so that it stays legally binding and it doesn't expire. And then you can just tick relationship, percentage to nominate, put in their name, address, date of birth, and so on. Okay. Yep.","start_word":1446,"end_word":1558,"sentiment":"neutral","sentiment_score":0.0951862558722496},{"text":"Cool.","start_word":1559,"end_word":1559,"sentiment":"positive","sentiment_score":0.426567018032074},{"text":"Now with the there's usually some sort of blue purple buttons to move around the document and switch documents. Do you have any button there that says next document by any chance? And now go on. It says click to stop. Yeah. So when you hit click the star, it'll bring you to the bottom of this document to sign the authority to proceed. And there's Yep. a little bit of a box above it, which if you wanna vary any of the recommendations, you can type it in there. If you're happy with everything, you just put in n slash a and then go through to the the signature and the date stamp. Yeah. Next document.","start_word":1560,"end_word":1676,"sentiment":"neutral","sentiment_score":0.16777664422988892},{"text":"Cool. Now the next one should be our financial services guide.","start_word":1677,"end_word":1687,"sentiment":"positive","sentiment_score":0.35002943873405457},{"text":"Yep.","start_word":1688,"end_word":1688,"sentiment":"neutral","sentiment_score":0.28096067905426025},{"text":"Cool.","start_word":1689,"end_word":1689,"sentiment":"positive","sentiment_score":0.4055293202400207},{"text":"So this is the main one I wanted to just finish off on. If you could just go down a couple of pages here So second last page of that document should be the fifth one, and you'll see a heading saying ongoing service fee, individual Yep. clients, and couple. I did mention in our review that we've got that new tier fee structure. And because you're above 200,000, I made sure not to send out any service agreements until now because we were just putting this in place for the discount. So just wanted to show you there. 200 to 500,000 is the first discount. 500 to a mil is the next one. Okay.","start_word":1690,"end_word":1804,"sentiment":"neutral","sentiment_score":0.09162406804768936},{"text":"Yep. Beautiful. After that, may it pretty much just go into signing the consent form with Netwealth for our services, the appendix, and the product documents, which you can basically just skip through if you're happy with it.","start_word":1805,"end_word":1842,"sentiment":"positive","sentiment_score":0.3700849711894989},{"text":"And the last one is just a service guide with all of our referral partners. And just bear in mind, if you try and scroll through them, that CDS with Netwealth is about 66 pages long. Unless you wanna read through the whole thing, that one doesn't require a signature. It can just be skipped. It's yeah. I've just gone to the validate and send. Let me just wait. The old circle loading bar there. It usually takes Yeah. a The moment. thing in the middle. Yep. The circle. Just while that's coming through, Matthew, is there anything in particular that you want me to kind of flag for the end of this year before our next catch up? Would you like anything between now and the next annual review, like a bit of a quarterly catch up or anything like that? No. I am looking at changing occupation potentially, And it's only Yep. starting to get back get back into Darwin full time to boost the family more and that's completed now. And so I'm back in terms of the forklift business as well. Yep. So I'm just in the process of looking for it. It's sort of jobs that will allow that.","start_word":1843,"end_word":2046,"sentiment":"neutral","sentiment_score":0.0679018497467041},{"text":"So if you do get a chance, like, when you do do the switch, if you can call in and let us know, that'd be amazing.","start_word":2047,"end_word":2072,"sentiment":"positive","sentiment_score":0.5346382856369019},{"text":"If not, I'll just capture the the next review, Keep an eye on the portfolio, and we can just update the occupation then as well. Yep. Yeah. I promise. The only thing to keep in mind is if the new employer needs any SGC forms for the contribution, just give us a bell and the team can flick that out to you pretty quickly. And Yep. then just remind us for the salary sacrifice. Yep.","start_word":2073,"end_word":2147,"sentiment":"neutral","sentiment_score":0.14241065084934235},{"text":"Great.","start_word":2148,"end_word":2148,"sentiment":"positive","sentiment_score":0.46080511808395386},{"text":"Yeah. No. Awesome. You're gonna miss Any questions for me before I let you go? no. No. Not at this stage. So, yeah, I'm probably gonna end up having to take a pay cut to come to come back to Darwin, but we'll play that as it comes. Yeah. So How big of a pay cut are you thinking? Do you have any indication yet? Or could be one position I'm looking at is with another forklift company, is being a sales rep, which is basically, it's about a 30% pay cut as base pay, but then you you work on commission. So there's there is potential Right. to actually make that up. So, Cool. So it'd still you be 6 figures, know, but you have to try so and boost up some biases. well, it would be about $90.90 k plus car plus phone and then plus Yep. commission on top of that. So, supposedly, Cool. the the lowest paid sales reps around Australia are on about that $1.40 mark with their their Okay. commission. So so taking that into consideration, I it shouldn't be too much of a pay cut. But being that these Yep. dealerships only just being established up here, it could take a little bit before that that's, you know, going. Gotta build some momentum up kind of thing. Yeah. Yep. If that does happen as well, your I know it's a bit of a small thing, but your occupation rating with the insurers will improve if you go more sales rep. So Yep. I'll flag that as well. So if that does happen, we can either update the occupation with Neil, get the premiums down a pretty decent chunk, or shop Yep. around to another insurer as well. Yeah. The other the other thing I'm looking at also, and I'm applying for it, and they don't do an intake until next year is actually the the fire is. So that risk profile Yes. Okay. would not change if I got into that. So Yeah. Firefighters is one of those where it's like Pontus pilots, train drivers, and firing are the three Yep. that fit in their own little category. And, usually, Yep. there's some things covered internally through those guys. But Yep. I've got a few colleagues that actually changed changed careers to. So I'll keep an eye out Yeah. for that as well. Yeah. That so that is something I'm definitely considering because I yeah. Out of the mine, I do a lot of emergency response stuff as well. Yeah. Yeah.","start_word":2149,"end_word":2576,"sentiment":"neutral","sentiment_score":0.040558851659123867},{"text":"And I I actually really enjoy that, so that's that's why I'm looking into into that as an option and applying to their next intake.","start_word":2577,"end_word":2601,"sentiment":"positive","sentiment_score":0.41138604283332825},{"text":"And we'll just see see what happens, but I'll keep you up to date.","start_word":2602,"end_word":2615,"sentiment":"neutral","sentiment_score":0.28827568888664246},{"text":"Amazing. And that has come through signed as well, but I guess you gotta make sure you're doing what you enjoy as well, better lifestyle as well.","start_word":2616,"end_word":2642,"sentiment":"positive","sentiment_score":0.4619791507720947},{"text":"Can all just be about locking in for thirty years? No. Well, they do which would be conducive with the business with they do two ten hour days followed by two fourteen hour nights followed by four days off in those nights. Unless you get a call out, you're actually just sleeping at the firehouse. So now I'm basically ready to wake up and respond if you have to, if anything. So that would be a bit more Yeah. conducive Right. for us being at being at home more often.","start_word":2643,"end_word":2732,"sentiment":"neutral","sentiment_score":0.07740645855665207},{"text":"Perfect. Well, good luck So with yeah. it.","start_word":2733,"end_word":2740,"sentiment":"positive","sentiment_score":0.47424882650375366},{"text":"I hope the next time we chat, there's been a few changes there, and, mate, best of luck. Yeah. Yeah. No worries.","start_word":2741,"end_word":2762,"sentiment":"neutral","sentiment_score":0.2697922885417938},{"text":"Too easy. Awesome. All good. Well, mate, have a fantastic weekend. Anything pop up with those beneficiary forms, again, just give us a buzz.","start_word":2763,"end_word":2786,"sentiment":"positive","sentiment_score":0.5894121527671814},{"text":"Yep. No dramas at all.","start_word":2787,"end_word":2791,"sentiment":"neutral","sentiment_score":0.16446061432361603},{"text":"Oh, awesome, man. Have a good one, man. Cheers. You too, Chase.","start_word":2792,"end_word":2803,"sentiment":"positive","sentiment_score":0.6719669103622437},{"text":"Yeah.","start_word":2804,"end_word":2804,"sentiment":"neutral","sentiment_score":0.2985011041164398}],"average":{"sentiment":"neutral","sentiment_score":0.115394820420002}}}}