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I'll try to make it quick if you are quite busy. But before I do kind of jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm your full name, date of birth, and address for me, please? Yep. And this address as well. Sorry. Yep. Perfect. That's exactly what I have here. Now I know my colleague, Whitlam told me that you are quite short for time, obviously, with work, so I will try and make it as quickly as I can for you. But before I do kind of jump in, I do like to start the under review by asking if there is any specific that you would like me to focus on or any questions or anything that you need help with before I do kind of jump in through the the other side of it? Okay. Perfect. Now the first thing I will run through is just a bit of an updated fax line. I'll try to make it as quick as possible just to see if there is any major changes that has happened for you because that what that will, allow me to do is see if we need to make any changes or tweaks for any of your advice and making sure it's still appropriate and aligned with your goals. So bear with me as I go through this information. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Perfect. Occupation wise, has anything changed or still working as a civil engineer meeting? Income at about 135,000. Perfect. Assets, I have here some stocks at about 21,000, excluding super. Sure. Okay. Because if it is including, I can just do the math afterwards, and I'll just note it down. Okay. Alright. I'll just leave it up. Okay. I'll just note a 155 including super. Now is that you get paid bonuses over time or anything like that or just like a base pay? That includes overtime? Do you have just your your base pay without overtime? Okay. It's like, right. Yeah. Okay. The reason I do ask is, typically, your employer, if you have if you earn a bonus, they will pay super contributions on that, with over time, they don't. So it is good if you have some indication of your base pay just so I can make sure that the right contributions from your employer are getting paid. But if you don't have it, that's okay. We can leave it, and I'll just make a note to say that the $1.55 includes super and overtime, and it does fluctuate quite a bit based on your hours. K. Perfect. Now asset wise, I have some stocks at about 21,000. Does that sound about right? Yes. Bit of bit of fluctuations in the market the last twelve months. Crypto, about 5,000. That's all gone? Okay. I'll just remove that. Your property at about 570,000, or do you know if that's increased at all? 7 around that. Okay. That's a nice increase, though. And mortgage at about $2.20. Oh, nice. 198. I also have here a motor vehicle of about 10,000. Yep. Okay. Any other new assets or any liabilities or anything that's changed otherwise? Alright. Perfect. Health and lifestyle, I have you down here as a nonsmoker with no significant health issues. Is that correct? Perfect. Do you have private health insurance? Yeah. And that includes hospital as well? Yeah. Perfect. That's good. Especially with your income being a high income earner, you don't wanna pay additional tax if you don't have it. Estate planning wise, I have here that last time we spoke to you during the interview, it was on your to do list to get a will sorted. How did you go with that? Is that still kind of on the to do list, or did you manage to get one sorted? That's okay. What I can do is completely up to you which way you want to go. I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful. Yep. Perfect. That way when you do yeah. So is that for your your will? Sorry. Because, obviously, through a will, you'd have to deal with through a lawyer. But I can send you some just like a brochure and information of a firm that we work with. Now you don't have to get a will through a lawyer. That is obviously the most comprehensive way. But depending on if your estate is quite simple, like you said, if it's not too complex, Some people yep. Okay. Okay. Yeah. Yep. Yeah. No. So what some people do as well and, again, it is completely up to you if you don't wanna go through the lawyer. You can even just go down to the post office. They do, like, little will kits, which can be a more affordable option. The only thing to be mindful of with that is just reading the instructions carefully and make sure you do complete it correctly. So if something ever were to have happen, it does hold up in court if need be. You're more than welcome to email me a copy if you would like us to keep it on file for you, but it is obviously a will kit. Yeah. And there are just from, like, a off post. You can usually get one. Yeah. Which is a lot cheaper. Yep. And sometimes there are even, like, free online ones. Just be careful because some of their t's and c's and some of them can be a bit, cheeky. So just have a have a bit of a read over it. But, yeah, otherwise, the will kit is a good option if you don't wanna go through, like, the the lawyer side. Would you like us to still send you the information in regards to, like, the will through the lawyer, or you're good? Still okay. Yep. Perfect. Yeah. Yeah. Perfect. That way, at least you have it if anything ever were to change. Now while we are talking about estate planning, I can see here that we have a nomination for your superannuation, and it is noted out as an other dependent. Do you know the relationship for that person to you? It's so on your beneficiary form, so you have noted down now apologies because I'm probably not gonna pronounce this name correctly. But Nguyen? Yeah. Okay. So that's your mom? Now with your mom, does she live with you? No. Okay. Does she okay. So with superannuation, they do make it quite tricky in who you can actually nominate directly through superannuation. So there are a lot of rules and legislation in place with that. So you still very much can give it to your mom, but that is no problem. We would just have to change the way that it's structured, which is a little bit of a tedious process, but it is at least the way you can give it to her because I have so many clients who it's like, well, if I were to give it to a nephew and niece or my parents, brother and sister, how do I do that? So to make a direct nomination, the only ones that are technically valid is a spouse or child, a financial dependent, or if you are in a interdependency relationship. Essentially, what that means is someone who must remain financially dependent on you at the time of your passing. You need to have a close relationship while living together and providing financial domestic and personal care support. So if your mom doesn't fall into that category, the way that we would change it is that on the form, we would change it to a 100% being to your legal personal representative. Basically, that is a fancy word for reverting back to your will. Then in your will, you can stipulate that you would like it to go to you would like your superannuation and insurances to go to your mom. The the only reason we have to do it this way is because superanninsurances does not form part of your estate. Does that make sense? Okay. Perfect. Yeah. But in the event you rather have something in place if something ever were to happen now do you have access to a printer at all, or would you like us to post these out to you? Printer. Okay. So what I might do, if you're happy with that, is I'll just get the team to email you a copy of the super and the insurance form. That way, when you have a moment, just print them out, complete it, scan it, and send it back, and we will get that all sorted for you. And then, obviously, when you have a sec, have a look at that will as well. Okay. Perfect. Now, otherwise, do you are you politically exposed to earn an income overseas at all? Yeah. Do you earn, like, a income are you a tax resident in any foreign jurisdiction? No. No. That's okay. I'm the same. I have dual citizenship, but I don't earn income overseas. So, no, that is all good. I'm Swedish. Yeah. What about you? Oh, yeah. Nice. It's nice that at least the countries allow it because I have so many friends. Different parts of Europe don't do it. Like, Denmark is our neighboring country. They don't do Jules, so then you have to choose. And because, obviously, living in Australia. Yeah. Yes. Yep. No. So the will is you can do whatever you want to. On on here, it is just to say so on the super insurance form, literally, the only thing it will be is tick a box that says LPR, which is legal personal representative, a 100%, And that just says that it just goes straight to your will. Then in your will, you can have everything under the sun of your assets or whatever it is that you want that is completely separate. It just means that it reverts to the one estate instead of having to deal with super insurance separate to the estate. Yep. Does that answer your question? Yes? Okay. No. No. That's okay. It's more so if you are earning, like, a regular income overseas, especially for some some countries if there's, like, double tax system and stuff. It's just good for us to know, obviously, if we are doing your finances and stuff if you are getting, like, double tax or depending on which country you're earning a regular income from. But if right now you are not receiving, like, a little gift and stuff, that's perfectly fine. That happens, especially when you have, obviously, dual citizenship. It's more so if you are earning, like, a regular income overseas or, like, have an investment property overseas and and that kind of stuff. Okay. So what was that? Sorry. Mhmm. Yep. Yes. Yep. Okay. Yes. No. That is correct. It would just be yes. Yes. Okay. Yes. You can. That's that's fine. And that's yeah. That's totally fine. Yep. Perfect. Now, otherwise, when it comes to goals, the stuff that you are focusing on, now it is usually a good point during annual review to kind of check-in to see, okay. Well, what happened in the last twelve months? What were your goals? Did you achieve them? What you wanna set for the next twelve months for a bit of accountability sometimes and if there's any other areas you would like advice on. So I can see here that when you spoke to my colleague, last year, your main focus was just to pay down the mortgage essentially and to kind of build up a bit more of a saving. Is that still kind of your main focus? No. I know that feeling. Where are you going anywhere, fun? That's nice. Oh, yeah. Oh, beautiful. And where is there, Kentucky? Oh, nice. Is that during summer over there? So, like, June, July, August sometimes? Oh, that'd be nice. I'm jealous. Yeah. Yep. Yes. Mhmm. Yes. Exactly. Yep. And even with the the capital gains, it used to be obviously so competitive for an investment property or any investments really as well. That's obviously all changing. So, yeah, it will be interesting to see how things are changing, but also if it is driving property prices or anything because people might hold on to the investment properties longer because, obviously, if you bought it before the change. So, yeah, very interesting to see what happens. And I think a lot of people in the same thinking process as you were, it's like, oh, well, my goal was to buy an investment property, but I don't know if I do wanna go down that way anymore. And if it is that you want to expand outside property, like, if you I know you have overseas in stocks and stuff that you are managing. But if it is that you do have a bit of spare money and you would like advice on, you know, investment bonds or different type of investments to diversify things elsewhere, just let us know because we can always book you in for a catch up. I know you're really busy, so you probably don't have a lot of time. But whenever you do Generation Life? Yep. Investment bonds. Yes. Yeah. So that is something that we do a lot for a lot of clients. So we have a lot of different investment bonds. There's different providers and stuff, but Generation Life is really competitive. It is one that we use quite frequently as well. So is that something you would like to look at, like, now or down the track? Or mhmm. Okay. Yep. Yes and no. So with Generation Life specifically, it is correct. The first twelve months, there is no limit. So you can put it however much you want. Now the thing to be mindful of is when it comes to stamp duty because it's classified as a life insurance product. So, typically, if we are looking at a larger sum, so if we're looking at anything over 50,000, obviously, this is not a recommendation because I'd have to do the research. But typically speaking, you would put 50,000 in because you do not wanna trigger stamp duty. Because anything under 50,000, the generation life will cover the stamp duty. Anything over that, you will have to pay for the stamp duty yourself. So because there is no limit, you you can you can definitely put more if you want to. You would just do it as, like, a starting would be, like, 50, for example. And then let's say two days after. So within the first twelve months, you can put however much. So if, for example, let's say you were to invest 200,000, let's say, the way that in the first year, the way that we would typically structure it Now, again, it would depend on what research and stuff will say. But typically speaking, you would put 50,000 on day one as a starting balance. Day two, you could put a 150,000. You do not have to pay stamp duty that way because Generation Life will. So that is how you would structure it to start with to circumvent the stamp duty. So it's pretty clever that way. And with the limits so, yes, from a tax efficiency point of view, because that is often why you would do an investment bond, because you don't have to pay obviously, it doesn't get added to your taxable income after the ten years, and you don't have to pay any personal capital gains on it. So it is very effective from a tax point of view, but you do have to have it for that ten ten year period. Yes. And with the contribution limit, so in order to stay within the the tax benefit, so to say, they have a 125% rule. So that is kind of what you were alluding to, which is correct. So the first year, you can put however much you want. The second year, you can only put up till a 125% of the previous year without triggering the the reset. You can do a lot less, but if you do less, the year after that, you can only do a 125% of that. So it is trickier in that way to structure it. Yep. Does that answer that question? That's probably a long winded phone number. Yeah. Yeah. And if it is true, like, when you when you have time, if it is because we do all that research all the time, and we work very closely with Generation Lights. So if it is that you would like a recommendation and you would like us to manage or anything for you, just let me know, and I can always book you in for, like, a separate conversation and just focus on that. And I can then go and put a proposal and a recommendation together for you if it is something that you are wanting at any point in time. Yep. Yep. Just the timing. Yeah. Yeah. Okay. Yeah. And I remember that too, like, when I was because I did my all my uni university degree serving Australia, but as an international student. And with I had to transfer money from Sweden over to Australia to pay for my university degree. And he was just like, sometimes I was like, oh, this is great. I'm getting so much money. And other times, it's like, ugh. This barely covers anything. So the exchange rate is can be a bit tricky at times as well. Yes. Yes. And then the no. And then the bank fees as well depending on how you do it. So if you store the bank or if it's other platforms, there's a lot of different things nowadays that is making it easier and more affordable to transfer money from overseas, but there's still obviously fees and stuff, you know, involved in all that. Sorry. I'll I'll get that. Now I'll try to make this quick for you. That was basically all of the personal information I needed to run through with you. Now because you are pretty across when it comes to investments as well, I'm happy to skip going through the risk profile questionnaire because we have done that a couple of times, but I just wanted to make sure that you are still comfortable with what you have. So at the moment, we have you invested in a high growth portfolio. Do you remember what it means to be, or are you quite familiar what it means to be a high growth investor? Yeah. Yep. Okay. Yep. Perfect. And asset wise, typically, we say 90% in your growth assets. So, obviously, your Australian shares, international shares property maximize that growth for you, and about 10% in defensive, like your cash or gold, your fixed interest, your limit fluctuations a little bit, but the main focus is growing that. When it comes to a time frame, we also wanna make sure you have enough time in the market for those fluctuations, which you certainly do. So high growth, we wanna allow a minimum of eight years to retirement, which, again, you have plenty of time until retirement in order to try to grow that. So you are happy with high high high growth? Yep. Perfect. Now do you have access to your emails at the moment? Yep. Perfect. So what I have done is I have to send you an email with some documents to go through quickly. I'll skip the ones that I don't have to go through, again, to save you time. But did that email come through okay? Yeah. Okay. Perfect. So we have recently changed the software, so it might look a little bit different to what you were used to. But if you can click on the email for me now before you click on the link where it says sign now, at the bottom, you should see a couple of attachments. Can you see those? So yep. You can see them? Yes. Yep. Those are the ones. Perfect. So you should see two documents at the bottom usually where it says Oakview Financial Services Guide and Oakview Financial Services Guide version four. Can you see those? Yeah. I won't get you to open them. They are the same as every year, just an updated version. It's one of those compliance documents, gives you all the important information regarding us here at Oakview. We've had a bit of a update in marketing, a bit of an extension to the team. So if you do wanna go and have a read over them in your own time, you will see all the team addresses and advices. You will see myself listed on there as well if you do wanna put a face to the voice. Perfect. Now if you could open for me, though, the one where it says super and insurance summary. Yep. Perfect. Now that shows you your current situation. So it shows you that you have superannuation with hub twenty four, and you do have about 77,632 in there. You also have some Neos insurances. You have life and TPD, 623,432, and an income protection, which will pay you a monthly amount of 7,068 per month, thirty day waiting period, five year benefit period. You get a tax rebate. The wage structure is through super, and total premium is 1,302. Are you still happy with the level of cover and your insurances and stuff? Yep. Okay. Perfect. Now the other one is then your twelve month performance report. It should be the second attachment. Yep. Again, I won't spend too much time on this because it seems like you are pretty familiar, but, basically, it gives you a rundown of your portfolio in the last twelve months, how they have performed, what you have in each option after fees. So, basically, in a summary, obviously, there's been a lot of fluctuation in the market like you touched on as well in the last twelve months. Bit of fluctuations, bit of up and down. Despite all of that, though, your portfolio has still done pretty good overall. So in the last twelve months, after all fees, your portfolio has gone up by 10.54 percent. Yes. So in the top one and that's the one I would do wanna, yeah, that's the one I wanted to talk to you about. I think my colleague, Whitla, mentioned mentioned that. So I do wanna talk to you about that one. Now, obviously, the way that your portfolio overall is structured, you can see that some investment have gone through the roof and, otherwise, there's been a little bit slower. Like, the Global X, Battery Tech, and Lithium, it's crazy at the moment. Obviously, fuel prices, electric vehicles, that one has done amazing. So the way that, obviously, your portfolio is structured is structured is you do wanna obviously balance things out and have a bit of diversification. Now the Bennelong investment, I do wanna touch on, and I would like to look at changing this if you are happy with it. So with the Bennelong investment, that was obviously added to your portfolio. It is a managed fund, so they're obviously trying to actively buy and sell different investments in order to try to outperform the market. It works slightly different to your ETF structure. Now they have done really well and been very competitive, and more recently, they've been a little bit slower with making their investment decision. And, also, one of the investments that they actually had in their portfolio was the corporate travel group. Not sure if you heard about them, but they had a bit of issues with their reporting. So they were suspended from trading, which obviously saw a bit of a a dip. So with the Bendalong Investments, the investment committee, we do a lot of research on the investments all the time because the good thing with hub twenty four is there's hundreds of different investment options for us to choose from. And if there is one that is underperforming a little bit and not going to be the best option for you moving forward, we would like to look at changing it for something more suitable. So we have done a lot of research, and we have found one that is quite competitive, which is called your beta shares a 200. Have you heard of that one? Yeah. It's another one, but it is your ETF. So instead of having that managed fund component yep. Yep. So because of because of it so, basically, it's it will be cheaper for you than the Benelon because it doesn't have the active management. But we're obviously, because we are removing one Australian investment, we do wanna replace it with another one to keeping that diversification and everything across your portfolio. The Benel the BetaShares a 200 invests in their 200 largest companies listed e on the ASX. So very diversified. It is cheaper than the Benelong for you, and has performed a little bit better. It is a little bit more stable because it is that ETF. So, obviously, as the company grows and gets bigger, gets into the 200, it gets added, something comes out. So are you happy for us to go ahead and make that switch removing Ben along and adding the BetaShares a 200 for you? Okay. Yep. And we have done a lot of extensive research on it. I just wanted to triple check that you are happy for us to do that. So what I will do is I will issue you something that is called a record of advice. Now you don't have to sign it, but it is for your record so that you have it on what we are doing. And that is just changing your Benelon to your a 200. So you will receive that in the email as well in the next couple of days to to let you know that we do that change. Again, you don't have to change it, but it's for your records so that you can see that we'll do that change for you. Any questions? No. Okay. Perfect. Now, otherwise, you will see a Vanguard index chart. I won't go through that with you because, again, it seems like you have pretty good understanding of the market. But, basically, from here, if you are happy to do so, it will be if you are happy to press sign on the document that is there, you will get you to sign, let me see, two documents. Now one of them is your ongoing service agreement. Can you see that one? Yep. Let me see. Yes. That's the one I'm talking about. Yes. So this one here will ask you to add a a signature and a date, and that is your ongoing service agreement. Just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65. It is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But, otherwise, this lets us service your account and manage everything for you in the meantime until next time review where you have to sign another one. And then the last one is a tax file number. It is a compliance form just to say we are keeping your tax file number secure and safe on file. And then when you are able to add both those signatures, it should say validate. Can you see that? Yep. And when you press validate, it should then load and send it back to me. Perfect. I'll just refresh that on my end. Now while I wait for that to come through, just recapping, I am sending you that record of advice to show you that investment switch. I'll also get the team to send you the information in regards through the will and some pricing along with the beneficiary forms for your super and insurances so that we can change it through the will so that you can give it to your mom if something were to happen to you. Now I have seen that that come through, which is perfect. That was everything on my end. Do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon? All good? Perfect. Like I said, if it is that you do wanna explore that investment bond or anything else further, we're always here. Just give us a call if there's anything that you do need. Okay? Okay. No problem at all. I look forward to speaking with you soon again, and you enjoy the rest of your afternoon. Thanks. 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Good. How are you? This is Veronica from OC Financial in case you didn't know. But I had you booked in for your under review.\n\nIs now still a good time for you? Okay. Perfect. I'll try to make it quick if you are quite busy. But before I do kind of jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm your full name, date of birth, and address for me, please? Yep. And this address as well. Sorry.\n\nYep. Perfect. That's exactly what I have here. Now I know my colleague, Whitlam told me that you are quite short for time, obviously, with work, so I will try and make it as quickly as I can for you. But before I do kind of jump in, I do like to start the under review by asking if there is any specific that you would like me to focus on or any questions or anything that you need help with before I do kind of jump in through the the other side of it?\n\nOkay. Perfect. Now the first thing I will run through is just a bit of an updated fax line. I'll try to make it as quick as possible just to see if there is any major changes that has happened for you because that what that will, allow me to do is see if we need to make any changes or tweaks for any of your advice and making sure it's still appropriate and aligned with your goals. So bear with me as I go through this information.\n\nNow when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Perfect. Occupation wise, has anything changed or still working as a civil engineer meeting? Income at about 135,000.\n\nPerfect. Assets, I have here some stocks at about 21,000, excluding super. Sure. Okay. Because if it is including, I can just do the math afterwards, and I'll just note it down.\n\nOkay. Alright. I'll just leave it up. Okay. I'll just note a 155 including super.\n\nNow is that you get paid bonuses over time or anything like that or just like a base pay? That includes overtime? Do you have just your your base pay without overtime? Okay. It's like, right.\n\nYeah. Okay. The reason I do ask is, typically, your employer, if you have if you earn a bonus, they will pay super contributions on that, with over time, they don't. So it is good if you have some indication of your base pay just so I can make sure that the right contributions from your employer are getting paid. But if you don't have it, that's okay.\n\nWe can leave it, and I'll just make a note to say that the $1.55 includes super and overtime, and it does fluctuate quite a bit based on your hours. K. Perfect. Now asset wise, I have some stocks at about 21,000. Does that sound about right?\n\nYes. Bit of bit of fluctuations in the market the last twelve months. Crypto, about 5,000. That's all gone? Okay.\n\nI'll just remove that. Your property at about 570,000, or do you know if that's increased at all? 7 around that. Okay. That's a nice increase, though.\n\nAnd mortgage at about $2.20. Oh, nice. 198. I also have here a motor vehicle of about 10,000. Yep.\n\nOkay. Any other new assets or any liabilities or anything that's changed otherwise? Alright. Perfect. Health and lifestyle, I have you down here as a nonsmoker with no significant health issues.\n\nIs that correct? Perfect. Do you have private health insurance? Yeah. And that includes hospital as well?\n\nYeah. Perfect. That's good. Especially with your income being a high income earner, you don't wanna pay additional tax if you don't have it. Estate planning wise, I have here that last time we spoke to you during the interview, it was on your to do list to get a will sorted.\n\nHow did you go with that? Is that still kind of on the to do list, or did you manage to get one sorted? That's okay. What I can do is completely up to you which way you want to go. I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful.\n\nYep. Perfect. That way when you do yeah. So is that for your your will? Sorry.\n\nBecause, obviously, through a will, you'd have to deal with through a lawyer. But I can send you some just like a brochure and information of a firm that we work with. Now you don't have to get a will through a lawyer. That is obviously the most comprehensive way. But depending on if your estate is quite simple, like you said, if it's not too complex, Some people yep.\n\nOkay. Okay. Yeah. Yep. Yeah.\n\nNo. So what some people do as well and, again, it is completely up to you if you don't wanna go through the lawyer. You can even just go down to the post office. They do, like, little will kits, which can be a more affordable option. The only thing to be mindful of with that is just reading the instructions carefully and make sure you do complete it correctly.\n\nSo if something ever were to have happen, it does hold up in court if need be. You're more than welcome to email me a copy if you would like us to keep it on file for you, but it is obviously a will kit. Yeah. And there are just from, like, a off post. You can usually get one.\n\nYeah. Which is a lot cheaper. Yep. And sometimes there are even, like, free online ones. Just be careful because some of their t's and c's and some of them can be a bit, cheeky.\n\nSo just have a have a bit of a read over it. But, yeah, otherwise, the will kit is a good option if you don't wanna go through, like, the the lawyer side. Would you like us to still send you the information in regards to, like, the will through the lawyer, or you're good? Still okay. Yep.\n\nPerfect. Yeah. Yeah. Perfect. That way, at least you have it if anything ever were to change.\n\nNow while we are talking about estate planning, I can see here that we have a nomination for your superannuation, and it is noted out as an other dependent. Do you know the relationship for that person to you? It's so on your beneficiary form, so you have noted down now apologies because I'm probably not gonna pronounce this name correctly. But Nguyen? Yeah.\n\nOkay. So that's your mom? Now with your mom, does she live with you? No. Okay.\n\nDoes she okay. So with superannuation, they do make it quite tricky in who you can actually nominate directly through superannuation. So there are a lot of rules and legislation in place with that. So you still very much can give it to your mom, but that is no problem. We would just have to change the way that it's structured, which is a little bit of a tedious process, but it is at least the way you can give it to her because I have so many clients who it's like, well, if I were to give it to a nephew and niece or my parents, brother and sister, how do I do that?\n\nSo to make a direct nomination, the only ones that are technically valid is a spouse or child, a financial dependent, or if you are in a interdependency relationship. Essentially, what that means is someone who must remain financially dependent on you at the time of your passing. You need to have a close relationship while living together and providing financial domestic and personal care support. So if your mom doesn't fall into that category, the way that we would change it is that on the form, we would change it to a 100% being to your legal personal representative. Basically, that is a fancy word for reverting back to your will.\n\nThen in your will, you can stipulate that you would like it to go to you would like your superannuation and insurances to go to your mom. The the only reason we have to do it this way is because superanninsurances does not form part of your estate. Does that make sense? Okay. Perfect.\n\nYeah. But in the event you rather have something in place if something ever were to happen now do you have access to a printer at all, or would you like us to post these out to you? Printer. Okay. So what I might do, if you're happy with that, is I'll just get the team to email you a copy of the super and the insurance form.\n\nThat way, when you have a moment, just print them out, complete it, scan it, and send it back, and we will get that all sorted for you. And then, obviously, when you have a sec, have a look at that will as well. Okay. Perfect. Now, otherwise, do you are you politically exposed to earn an income overseas at all?\n\nYeah. Do you earn, like, a income are you a tax resident in any foreign jurisdiction? No. No. That's okay.\n\nI'm the same. I have dual citizenship, but I don't earn income overseas. So, no, that is all good. I'm Swedish. Yeah.\n\nWhat about you? Oh, yeah. Nice. It's nice that at least the countries allow it because I have so many friends. Different parts of Europe don't do it.\n\nLike, Denmark is our neighboring country. They don't do Jules, so then you have to choose. And because, obviously, living in Australia. Yeah. Yes.\n\nYep. No. So the will is you can do whatever you want to. On on here, it is just to say so on the super insurance form, literally, the only thing it will be is tick a box that says LPR, which is legal personal representative, a 100%, And that just says that it just goes straight to your will. Then in your will, you can have everything under the sun of your assets or whatever it is that you want that is completely separate.\n\nIt just means that it reverts to the one estate instead of having to deal with super insurance separate to the estate. Yep. Does that answer your question? Yes? Okay.\n\nNo. No. That's okay. It's more so if you are earning, like, a regular income overseas, especially for some some countries if there's, like, double tax system and stuff. It's just good for us to know, obviously, if we are doing your finances and stuff if you are getting, like, double tax or depending on which country you're earning a regular income from.\n\nBut if right now you are not receiving, like, a little gift and stuff, that's perfectly fine. That happens, especially when you have, obviously, dual citizenship. It's more so if you are earning, like, a regular income overseas or, like, have an investment property overseas and and that kind of stuff. Okay. So what was that?\n\nSorry. Mhmm. Yep. Yes. Yep.\n\nOkay. Yes. No. That is correct. It would just be yes.\n\nYes. Okay. Yes. You can. That's that's fine.\n\nAnd that's yeah. That's totally fine. Yep. Perfect. Now, otherwise, when it comes to goals, the stuff that you are focusing on, now it is usually a good point during annual review to kind of check-in to see, okay.\n\nWell, what happened in the last twelve months? What were your goals? Did you achieve them? What you wanna set for the next twelve months for a bit of accountability sometimes and if there's any other areas you would like advice on. So I can see here that when you spoke to my colleague, last year, your main focus was just to pay down the mortgage essentially and to kind of build up a bit more of a saving.\n\nIs that still kind of your main focus? No. I know that feeling. Where are you going anywhere, fun? That's nice.\n\nOh, yeah. Oh, beautiful. And where is there, Kentucky? Oh, nice. Is that during summer over there?\n\nSo, like, June, July, August sometimes? Oh, that'd be nice. I'm jealous. Yeah. Yep.\n\nYes. Mhmm. Yes. Exactly. Yep.\n\nAnd even with the the capital gains, it used to be obviously so competitive for an investment property or any investments really as well. That's obviously all changing. So, yeah, it will be interesting to see how things are changing, but also if it is driving property prices or anything because people might hold on to the investment properties longer because, obviously, if you bought it before the change. So, yeah, very interesting to see what happens. And I think a lot of people in the same thinking process as you were, it's like, oh, well, my goal was to buy an investment property, but I don't know if I do wanna go down that way anymore.\n\nAnd if it is that you want to expand outside property, like, if you I know you have overseas in stocks and stuff that you are managing. But if it is that you do have a bit of spare money and you would like advice on, you know, investment bonds or different type of investments to diversify things elsewhere, just let us know because we can always book you in for a catch up. I know you're really busy, so you probably don't have a lot of time. But whenever you do Generation Life? Yep.\n\nInvestment bonds. Yes. Yeah. So that is something that we do a lot for a lot of clients. So we have a lot of different investment bonds.\n\nThere's different providers and stuff, but Generation Life is really competitive. It is one that we use quite frequently as well. So is that something you would like to look at, like, now or down the track? Or mhmm. Okay.\n\nYep. Yes and no. So with Generation Life specifically, it is correct. The first twelve months, there is no limit. So you can put it however much you want.\n\nNow the thing to be mindful of is when it comes to stamp duty because it's classified as a life insurance product. So, typically, if we are looking at a larger sum, so if we're looking at anything over 50,000, obviously, this is not a recommendation because I'd have to do the research. But typically speaking, you would put 50,000 in because you do not wanna trigger stamp duty. Because anything under 50,000, the generation life will cover the stamp duty. Anything over that, you will have to pay for the stamp duty yourself.\n\nSo because there is no limit, you you can you can definitely put more if you want to. You would just do it as, like, a starting would be, like, 50, for example. And then let's say two days after. So within the first twelve months, you can put however much. So if, for example, let's say you were to invest 200,000, let's say, the way that in the first year, the way that we would typically structure it Now, again, it would depend on what research and stuff will say.\n\nBut typically speaking, you would put 50,000 on day one as a starting balance. Day two, you could put a 150,000. You do not have to pay stamp duty that way because Generation Life will. So that is how you would structure it to start with to circumvent the stamp duty. So it's pretty clever that way.\n\nAnd with the limits so, yes, from a tax efficiency point of view, because that is often why you would do an investment bond, because you don't have to pay obviously, it doesn't get added to your taxable income after the ten years, and you don't have to pay any personal capital gains on it. So it is very effective from a tax point of view, but you do have to have it for that ten ten year period. Yes. And with the contribution limit, so in order to stay within the the tax benefit, so to say, they have a 125% rule. So that is kind of what you were alluding to, which is correct.\n\nSo the first year, you can put however much you want. The second year, you can only put up till a 125% of the previous year without triggering the the reset. You can do a lot less, but if you do less, the year after that, you can only do a 125% of that. So it is trickier in that way to structure it. Yep.\n\nDoes that answer that question? That's probably a long winded phone number. Yeah. Yeah. And if it is true, like, when you when you have time, if it is because we do all that research all the time, and we work very closely with Generation Lights.\n\nSo if it is that you would like a recommendation and you would like us to manage or anything for you, just let me know, and I can always book you in for, like, a separate conversation and just focus on that. And I can then go and put a proposal and a recommendation together for you if it is something that you are wanting at any point in time. Yep. Yep. Just the timing.\n\nYeah. Yeah. Okay. Yeah. And I remember that too, like, when I was because I did my all my uni university degree serving Australia, but as an international student.\n\nAnd with I had to transfer money from Sweden over to Australia to pay for my university degree. And he was just like, sometimes I was like, oh, this is great. I'm getting so much money. And other times, it's like, ugh. This barely covers anything.\n\nSo the exchange rate is can be a bit tricky at times as well. Yes. Yes. And then the no. And then the bank fees as well depending on how you do it.\n\nSo if you store the bank or if it's other platforms, there's a lot of different things nowadays that is making it easier and more affordable to transfer money from overseas, but there's still obviously fees and stuff, you know, involved in all that. Sorry. I'll I'll get that. Now I'll try to make this quick for you. That was basically all of the personal information I needed to run through with you.\n\nNow because you are pretty across when it comes to investments as well, I'm happy to skip going through the risk profile questionnaire because we have done that a couple of times, but I just wanted to make sure that you are still comfortable with what you have. So at the moment, we have you invested in a high growth portfolio. Do you remember what it means to be, or are you quite familiar what it means to be a high growth investor? Yeah. Yep.\n\nOkay. Yep. Perfect. And asset wise, typically, we say 90% in your growth assets. So, obviously, your Australian shares, international shares property maximize that growth for you, and about 10% in defensive, like your cash or gold, your fixed interest, your limit fluctuations a little bit, but the main focus is growing that.\n\nWhen it comes to a time frame, we also wanna make sure you have enough time in the market for those fluctuations, which you certainly do. So high growth, we wanna allow a minimum of eight years to retirement, which, again, you have plenty of time until retirement in order to try to grow that. So you are happy with high high high growth? Yep. Perfect.\n\nNow do you have access to your emails at the moment? Yep. Perfect. So what I have done is I have to send you an email with some documents to go through quickly. I'll skip the ones that I don't have to go through, again, to save you time.\n\nBut did that email come through okay? Yeah. Okay. Perfect. So we have recently changed the software, so it might look a little bit different to what you were used to.\n\nBut if you can click on the email for me now before you click on the link where it says sign now, at the bottom, you should see a couple of attachments. Can you see those? So yep. You can see them? Yes.\n\nYep. Those are the ones. Perfect. So you should see two documents at the bottom usually where it says Oakview Financial Services Guide and Oakview Financial Services Guide version four. Can you see those?\n\nYeah. I won't get you to open them. They are the same as every year, just an updated version. It's one of those compliance documents, gives you all the important information regarding us here at Oakview. We've had a bit of a update in marketing, a bit of an extension to the team.\n\nSo if you do wanna go and have a read over them in your own time, you will see all the team addresses and advices. You will see myself listed on there as well if you do wanna put a face to the voice. Perfect. Now if you could open for me, though, the one where it says super and insurance summary. Yep.\n\nPerfect. Now that shows you your current situation. So it shows you that you have superannuation with hub twenty four, and you do have about 77,632 in there. You also have some Neos insurances. You have life and TPD, 623,432, and an income protection, which will pay you a monthly amount of 7,068 per month, thirty day waiting period, five year benefit period.\n\nYou get a tax rebate. The wage structure is through super, and total premium is 1,302. Are you still happy with the level of cover and your insurances and stuff? Yep. Okay.\n\nPerfect. Now the other one is then your twelve month performance report. It should be the second attachment. Yep. Again, I won't spend too much time on this because it seems like you are pretty familiar, but, basically, it gives you a rundown of your portfolio in the last twelve months, how they have performed, what you have in each option after fees.\n\nSo, basically, in a summary, obviously, there's been a lot of fluctuation in the market like you touched on as well in the last twelve months. Bit of fluctuations, bit of up and down. Despite all of that, though, your portfolio has still done pretty good overall. So in the last twelve months, after all fees, your portfolio has gone up by 10.54 percent. Yes.\n\nSo in the top one and that's the one I would do wanna, yeah, that's the one I wanted to talk to you about. I think my colleague, Whitla, mentioned mentioned that. So I do wanna talk to you about that one. Now, obviously, the way that your portfolio overall is structured, you can see that some investment have gone through the roof and, otherwise, there's been a little bit slower. Like, the Global X, Battery Tech, and Lithium, it's crazy at the moment.\n\nObviously, fuel prices, electric vehicles, that one has done amazing. So the way that, obviously, your portfolio is structured is structured is you do wanna obviously balance things out and have a bit of diversification. Now the Bennelong investment, I do wanna touch on, and I would like to look at changing this if you are happy with it. So with the Bennelong investment, that was obviously added to your portfolio. It is a managed fund, so they're obviously trying to actively buy and sell different investments in order to try to outperform the market.\n\nIt works slightly different to your ETF structure. Now they have done really well and been very competitive, and more recently, they've been a little bit slower with making their investment decision. And, also, one of the investments that they actually had in their portfolio was the corporate travel group. Not sure if you heard about them, but they had a bit of issues with their reporting. So they were suspended from trading, which obviously saw a bit of a a dip.\n\nSo with the Bendalong Investments, the investment committee, we do a lot of research on the investments all the time because the good thing with hub twenty four is there's hundreds of different investment options for us to choose from. And if there is one that is underperforming a little bit and not going to be the best option for you moving forward, we would like to look at changing it for something more suitable. So we have done a lot of research, and we have found one that is quite competitive, which is called your beta shares a 200. Have you heard of that one? Yeah.\n\nIt's another one, but it is your ETF. So instead of having that managed fund component yep. Yep. So because of because of it so, basically, it's it will be cheaper for you than the Benelon because it doesn't have the active management. But we're obviously, because we are removing one Australian investment, we do wanna replace it with another one to keeping that diversification and everything across your portfolio.\n\nThe Benel the BetaShares a 200 invests in their 200 largest companies listed e on the ASX. So very diversified. It is cheaper than the Benelong for you, and has performed a little bit better. It is a little bit more stable because it is that ETF. So, obviously, as the company grows and gets bigger, gets into the 200, it gets added, something comes out.\n\nSo are you happy for us to go ahead and make that switch removing Ben along and adding the BetaShares a 200 for you? Okay. Yep. And we have done a lot of extensive research on it. I just wanted to triple check that you are happy for us to do that.\n\nSo what I will do is I will issue you something that is called a record of advice. Now you don't have to sign it, but it is for your record so that you have it on what we are doing. And that is just changing your Benelon to your a 200. So you will receive that in the email as well in the next couple of days to to let you know that we do that change. Again, you don't have to change it, but it's for your records so that you can see that we'll do that change for you.\n\nAny questions? No. Okay. Perfect. Now, otherwise, you will see a Vanguard index chart.\n\nI won't go through that with you because, again, it seems like you have pretty good understanding of the market. But, basically, from here, if you are happy to do so, it will be if you are happy to press sign on the document that is there, you will get you to sign, let me see, two documents. Now one of them is your ongoing service agreement. Can you see that one? Yep.\n\nLet me see. Yes. That's the one I'm talking about. Yes. So this one here will ask you to add a a signature and a date, and that is your ongoing service agreement.\n\nJust to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65. It is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract.\n\nBut, otherwise, this lets us service your account and manage everything for you in the meantime until next time review where you have to sign another one. And then the last one is a tax file number. It is a compliance form just to say we are keeping your tax file number secure and safe on file. And then when you are able to add both those signatures, it should say validate. Can you see that?\n\nYep. And when you press validate, it should then load and send it back to me. Perfect. I'll just refresh that on my end. Now while I wait for that to come through, just recapping, I am sending you that record of advice to show you that investment switch.\n\nI'll also get the team to send you the information in regards through the will and some pricing along with the beneficiary forms for your super and insurances so that we can change it through the will so that you can give it to your mom if something were to happen to you. Now I have seen that that come through, which is perfect. That was everything on my end. Do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon? All good?\n\nPerfect. Like I said, if it is that you do wanna explore that investment bond or anything else further, we're always here. Just give us a call if there's anything that you do need. Okay? Okay.\n\nNo problem at all. I look forward to speaking with you soon again, and you enjoy the rest of your afternoon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":2.0,"end":2.32,"sentiment":"positive","sentiment_score":0.3575919270515442},{"text":"Good.","start":2.32,"end":2.6399999,"sentiment":"positive","sentiment_score":0.5568634867668152},{"text":"How are you?","start":2.6399999,"end":3.54,"sentiment":"positive","sentiment_score":0.425361434618632},{"text":"This is Veronica from OC Financial in case you didn't know.","start":5.7599998,"end":9.059999,"sentiment":"neutral","sentiment_score":0.07710012251680548},{"text":"But I had you booked in for your under review.","start":9.679999,"end":12.16,"sentiment":"neutral","sentiment_score":0.17030016630887984}],"sentiment":"neutral","sentiment_score":0.18237087417107362,"num_words":26,"start":2.0,"end":12.16},{"sentences":[{"text":"Is now still a good time for you?","start":12.16,"end":13.815,"sentiment":"neutral","sentiment_score":0.24963117390871048},{"text":"Okay.","start":16.775,"end":17.175,"sentiment":"neutral","sentiment_score":0.2199782431125641},{"text":"Perfect.","start":17.175,"end":17.654999,"sentiment":"positive","sentiment_score":0.4009857773780823},{"text":"I'll try to make it quick if you are quite busy.","start":17.654999,"end":20.235,"sentiment":"neutral","sentiment_score":0.18930650841106067},{"text":"But before I do kind of jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.175,"end":28.875,"sentiment":"neutral","sentiment_score":0.06942913938185265}],"sentiment":"neutral","sentiment_score":0.1342766009271145,"num_words":50,"start":12.16,"end":28.875},{"sentences":[{"text":"Perfect.","start":30.25,"end":30.75,"sentiment":"neutral","sentiment_score":0.2844037413597107},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm your full name, date of birth, and address for me, please?","start":30.81,"end":39.71,"sentiment":"neutral","sentiment_score":0.11302247643470764},{"text":"Yep.","start":43.625,"end":44.125,"sentiment":"neutral","sentiment_score":0.05213300511240959},{"text":"And this address as well.","start":46.585,"end":47.704998,"sentiment":"neutral","sentiment_score":0.03834045603871346},{"text":"Sorry.","start":47.704998,"end":48.204998,"sentiment":"neutral","sentiment_score":0.001722074579447508}],"sentiment":"neutral","sentiment_score":0.10389519081928017,"num_words":41,"start":30.25,"end":48.204998},{"sentences":[{"text":"Yep.","start":51.065,"end":51.565,"sentiment":"neutral","sentiment_score":0.15137413144111633},{"text":"Perfect.","start":51.625,"end":52.125,"sentiment":"positive","sentiment_score":0.47570377588272095},{"text":"That's exactly what I have here.","start":52.184998,"end":54.204998,"sentiment":"positive","sentiment_score":0.5178239494562149},{"text":"Now I know my colleague, Whitlam told me that you are quite short for time, obviously, with work, so I will try and make it as quickly as I can for you.","start":54.899998,"end":63.719997,"sentiment":"neutral","sentiment_score":0.03582962462678552},{"text":"But before I do kind of jump in, I do like to start the under review by asking if there is any specific that you would like me to focus on or any questions or anything that you need help with before I do kind of jump in through the the other side of it?","start":64.74,"end":78.494995,"sentiment":"neutral","sentiment_score":0.03299706855958158}],"sentiment":"neutral","sentiment_score":0.07047798276731843,"num_words":95,"start":51.065,"end":78.494995},{"sentences":[{"text":"Okay.","start":80.01,"end":80.51,"sentiment":"neutral","sentiment_score":0.22520720958709717},{"text":"Perfect.","start":80.57,"end":81.07,"sentiment":"neutral","sentiment_score":0.3021470904350281},{"text":"Now the first thing I will run through is just a bit of an updated fax line.","start":82.17,"end":85.369995,"sentiment":"neutral","sentiment_score":0.13721062768908107},{"text":"I'll try to make it as quick as possible just to see if there is any major changes that has happened for you because that what that will, allow me to do is see if we need to make any changes or tweaks for any of your advice and making sure it's still appropriate and aligned with your goals.","start":85.369995,"end":100.775,"sentiment":"neutral","sentiment_score":0.15428565392049692},{"text":"So bear with me as I go through this information.","start":101.395004,"end":104.135,"sentiment":"neutral","sentiment_score":0.05757892057299614}],"sentiment":"neutral","sentiment_score":0.142483838156543,"num_words":88,"start":80.01,"end":104.135},{"sentences":[{"text":"Now when it comes to your personal details, I have you down here as single with no financial dependents.","start":105.28001,"end":110.66,"sentiment":"neutral","sentiment_score":0.04706658815082751},{"text":"Is that correct?","start":110.72,"end":111.54,"sentiment":"neutral","sentiment_score":0.0507453183333079},{"text":"Perfect.","start":112.240005,"end":112.740005,"sentiment":"neutral","sentiment_score":0.06783033162355423},{"text":"Occupation wise, has anything changed or still working as a civil engineer meeting?","start":113.44,"end":118.100006,"sentiment":"neutral","sentiment_score":-0.01971006769543657},{"text":"Income at about 135,000.","start":118.924995,"end":121.345,"sentiment":"neutral","sentiment_score":-0.01515527896117419}],"sentiment":"neutral","sentiment_score":0.01993698664009571,"num_words":40,"start":105.28001,"end":121.345},{"sentences":[{"text":"Perfect.","start":122.365,"end":122.865,"sentiment":"neutral","sentiment_score":0.1320134699344635},{"text":"Assets, I have here some stocks at about 21,000, excluding super.","start":124.604996,"end":134.16,"sentiment":"neutral","sentiment_score":0.0030029846609316087},{"text":"Sure.","start":140.70001,"end":141.20001,"sentiment":"neutral","sentiment_score":0.19597750902175903},{"text":"Okay.","start":142.55501,"end":142.795,"sentiment":"neutral","sentiment_score":0.10560403764247894},{"text":"Because if it is including, I can just do the math afterwards, and I'll just note it down.","start":142.795,"end":147.13501,"sentiment":"neutral","sentiment_score":0.024777037195033498}],"sentiment":"neutral","sentiment_score":0.028519203668111004,"num_words":32,"start":122.365,"end":147.13501},{"sentences":[{"text":"Okay.","start":148.235,"end":148.735,"sentiment":"neutral","sentiment_score":-0.008495194837450981},{"text":"Alright.","start":148.875,"end":149.35501,"sentiment":"neutral","sentiment_score":0.026201099157333377},{"text":"I'll just leave it up.","start":149.35501,"end":150.655,"sentiment":"neutral","sentiment_score":0.02986689731478691},{"text":"Okay.","start":152.715,"end":153.035,"sentiment":"neutral","sentiment_score":0.04432292282581329},{"text":"I'll just note a 155 including super.","start":153.035,"end":157.14,"sentiment":"neutral","sentiment_score":0.06389503713165011}],"sentiment":"neutral","sentiment_score":0.043908571576078734,"num_words":15,"start":148.235,"end":157.14},{"sentences":[{"text":"Now is that you get paid bonuses over time or anything like that or just like a base pay?","start":157.2,"end":162.66,"sentiment":"neutral","sentiment_score":0.04928982855850145},{"text":"That includes overtime?","start":165.36,"end":166.5,"sentiment":"neutral","sentiment_score":0.021294873518248398},{"text":"Do you have just your your base pay without overtime?","start":168.815,"end":172.355,"sentiment":"neutral","sentiment_score":0.0030518452636897563},{"text":"Okay.","start":178.33499,"end":178.735,"sentiment":"neutral","sentiment_score":-0.024949947372078896},{"text":"It's like, right.","start":178.735,"end":179.635,"sentiment":"neutral","sentiment_score":-0.03261183574795723}],"sentiment":"neutral","sentiment_score":0.02522567669964499,"num_words":36,"start":157.2,"end":179.635},{"sentences":[{"text":"Yeah.","start":179.99,"end":180.49,"sentiment":"neutral","sentiment_score":0.02301865443587303},{"text":"Okay.","start":181.03,"end":181.51,"sentiment":"neutral","sentiment_score":0.016278879716992378},{"text":"The reason I do ask is, typically, your employer, if you have if you earn a bonus, they will pay super contributions on that, with over time, they don't.","start":181.51,"end":192.33,"sentiment":"neutral","sentiment_score":-0.02357992105956735},{"text":"So it is good if you have some indication of your base pay just so I can make sure that the right contributions from your employer are getting paid.","start":193.905,"end":203.84499,"sentiment":"neutral","sentiment_score":0.301250323139388},{"text":"But if you don't have it, that's okay.","start":204.385,"end":207.43999,"sentiment":"neutral","sentiment_score":0.0422726001997944}],"sentiment":"neutral","sentiment_score":0.12396941170685322,"num_words":68,"start":179.99,"end":207.43999},{"sentences":[{"text":"We can leave it, and I'll just make a note to say that the $1.55 includes super and overtime, and it does fluctuate quite a bit based on your hours.","start":207.43999,"end":216.42,"sentiment":"neutral","sentiment_score":0.09109792243689299},{"text":"K.","start":217.76,"end":218.23999,"sentiment":"neutral","sentiment_score":0.10540876537561417},{"text":"Perfect.","start":218.23999,"end":218.73999,"sentiment":"neutral","sentiment_score":0.31943264603614807},{"text":"Now asset wise, I have some stocks at about 21,000.","start":221.61499,"end":226.435,"sentiment":"neutral","sentiment_score":0.08289379514753818},{"text":"Does that sound about right?","start":228.25499,"end":229.715,"sentiment":"neutral","sentiment_score":-0.00469420589506626}],"sentiment":"neutral","sentiment_score":0.08432438311741706,"num_words":47,"start":207.43999,"end":229.715},{"sentences":[{"text":"Yes.","start":231.70999,"end":232.11,"sentiment":"neutral","sentiment_score":-0.05578092858195305},{"text":"Bit of bit of fluctuations in the market the last twelve months.","start":232.11,"end":235.81,"sentiment":"neutral","sentiment_score":-0.11459625760714214},{"text":"Crypto, about 5,000.","start":237.15,"end":239.01,"sentiment":"neutral","sentiment_score":-0.04801850890119871},{"text":"That's all gone?","start":243.805,"end":244.605,"sentiment":"neutral","sentiment_score":-0.2773312032222748},{"text":"Okay.","start":244.605,"end":245.105,"sentiment":"neutral","sentiment_score":-0.04783695191144943}],"sentiment":"neutral","sentiment_score":-0.12274110540747643,"num_words":20,"start":231.70999,"end":245.105},{"sentences":[{"text":"I'll just remove that.","start":248.045,"end":249.50499,"sentiment":"neutral","sentiment_score":-0.05407587252557278},{"text":"Your property at about 570,000, or do you know if that's increased at all?","start":251.00499,"end":257.16,"sentiment":"neutral","sentiment_score":-0.047745924443006516},{"text":"7 around that.","start":264.44,"end":265.72,"sentiment":"neutral","sentiment_score":-0.12266776462395985},{"text":"Okay.","start":265.72,"end":266.22,"sentiment":"neutral","sentiment_score":-0.06573627144098282},{"text":"That's a nice increase, though.","start":266.28,"end":267.98,"sentiment":"positive","sentiment_score":0.6885662913322449}],"sentiment":"neutral","sentiment_score":0.07867946144607332,"num_words":27,"start":248.045,"end":267.98},{"sentences":[{"text":"And mortgage at about $2.20.","start":270.855,"end":273.11502,"sentiment":"neutral","sentiment_score":0.04557473063468933},{"text":"Oh, nice.","start":276.61502,"end":277.33502,"sentiment":"neutral","sentiment_score":0.3011651933193207},{"text":"198.","start":277.33502,"end":278.715,"sentiment":"neutral","sentiment_score":0.0958852618932724},{"text":"I also have here a motor vehicle of about 10,000.","start":279.89502,"end":283.11502,"sentiment":"neutral","sentiment_score":0.08107433542609215},{"text":"Yep.","start":286.22,"end":286.72,"sentiment":"neutral","sentiment_score":0.0784997045993805}],"sentiment":"neutral","sentiment_score":0.09554380845082433,"num_words":19,"start":270.855,"end":286.72},{"sentences":[{"text":"Okay.","start":287.02,"end":287.52,"sentiment":"neutral","sentiment_score":0.05368834733963013},{"text":"Any other new assets or any liabilities or anything that's changed otherwise?","start":287.74,"end":292.08,"sentiment":"neutral","sentiment_score":0.0261883062000076},{"text":"Alright.","start":293.26,"end":293.66,"sentiment":"neutral","sentiment_score":0.14963319897651672},{"text":"Perfect.","start":293.66,"end":294.16,"sentiment":"positive","sentiment_score":0.4130054712295532},{"text":"Health and lifestyle, I have you down here as a nonsmoker with no significant health issues.","start":294.38,"end":299.535,"sentiment":"neutral","sentiment_score":0.1930552893318236}],"sentiment":"neutral","sentiment_score":0.12966036520177318,"num_words":31,"start":287.02,"end":299.535},{"sentences":[{"text":"Is that correct?","start":299.535,"end":300.43503,"sentiment":"neutral","sentiment_score":0.12733349204063416},{"text":"Perfect.","start":301.135,"end":301.635,"sentiment":"neutral","sentiment_score":0.12824733555316925},{"text":"Do you have private health insurance?","start":302.49503,"end":304.035,"sentiment":"neutral","sentiment_score":0.059536190082629524},{"text":"Yeah.","start":305.21503,"end":305.45502,"sentiment":"neutral","sentiment_score":0.04763413593173027},{"text":"And that includes hospital as well?","start":305.45502,"end":307.475,"sentiment":"neutral","sentiment_score":0.05899443353215853}],"sentiment":"neutral","sentiment_score":0.07465092289973707,"num_words":17,"start":299.535,"end":307.475},{"sentences":[{"text":"Yeah.","start":308.33502,"end":308.575,"sentiment":"neutral","sentiment_score":0.20072802901268005},{"text":"Perfect.","start":308.575,"end":308.975,"sentiment":"positive","sentiment_score":0.5010529160499573},{"text":"That's good.","start":308.975,"end":309.45502,"sentiment":"positive","sentiment_score":0.6499146223068237},{"text":"Especially with your income being a high income earner, you don't wanna pay additional tax if you don't have it.","start":309.45502,"end":314.94,"sentiment":"neutral","sentiment_score":0.25004445649683477},{"text":"Estate planning wise, I have here that last time we spoke to you during the interview, it was on your to do list to get a will sorted.","start":316.62,"end":322.88,"sentiment":"neutral","sentiment_score":0.08820817486516067}],"sentiment":"neutral","sentiment_score":0.1821601579968746,"num_words":52,"start":308.33502,"end":322.88},{"sentences":[{"text":"How did you go with that?","start":323.66,"end":324.94,"sentiment":"neutral","sentiment_score":0.0975689987341563},{"text":"Is that still kind of on the to do list, or did you manage to get one sorted?","start":324.94,"end":328.8,"sentiment":"neutral","sentiment_score":0.015576746806295382},{"text":"That's okay.","start":332.035,"end":332.85498,"sentiment":"neutral","sentiment_score":0.08705203235149384},{"text":"What I can do is completely up to you which way you want to go.","start":334.195,"end":337.335,"sentiment":"neutral","sentiment_score":0.11571715101599693},{"text":"I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful.","start":338.035,"end":345.71002,"sentiment":"neutral","sentiment_score":0.1167959156135718}],"sentiment":"neutral","sentiment_score":0.08844414413054015,"num_words":71,"start":323.66,"end":345.71002},{"sentences":[{"text":"Yep.","start":347.13,"end":347.63,"sentiment":"neutral","sentiment_score":0.14438995718955994},{"text":"Perfect.","start":347.77002,"end":348.27002,"sentiment":"neutral","sentiment_score":0.251520574092865},{"text":"That way when you do yeah.","start":348.73,"end":350.75,"sentiment":"neutral","sentiment_score":0.10698327794671059},{"text":"So is that for your your will?","start":360.345,"end":362.26498,"sentiment":"neutral","sentiment_score":0.04878480519567217},{"text":"Sorry.","start":362.26498,"end":362.585,"sentiment":"neutral","sentiment_score":-0.09990977495908736}],"sentiment":"neutral","sentiment_score":0.07996212877333164,"num_words":16,"start":347.13,"end":362.585},{"sentences":[{"text":"Because, obviously, through a will, you'd have to deal with through a lawyer.","start":362.585,"end":365.805,"sentiment":"neutral","sentiment_score":-0.10089607192919804},{"text":"But I can send you some just like a brochure and information of a firm that we work with.","start":368.3,"end":374.06,"sentiment":"neutral","sentiment_score":0.03453542811698035},{"text":"Now you don't have to get a will through a lawyer.","start":374.06,"end":376.3,"sentiment":"neutral","sentiment_score":0.009702970697121187},{"text":"That is obviously the most comprehensive way.","start":376.3,"end":378.64,"sentiment":"neutral","sentiment_score":0.0852128586598805},{"text":"But depending on if your estate is quite simple, like you said, if it's not too complex, Some people yep.","start":379.1,"end":386.575,"sentiment":"neutral","sentiment_score":0.04351449301466346}],"sentiment":"neutral","sentiment_score":0.013114810681768826,"num_words":70,"start":362.585,"end":386.575},{"sentences":[{"text":"Okay.","start":390.23502,"end":390.73502,"sentiment":"neutral","sentiment_score":-0.04788818210363388},{"text":"Okay.","start":392.315,"end":392.815,"sentiment":"neutral","sentiment_score":-0.06389803439378738},{"text":"Yeah.","start":393.11502,"end":393.61502,"sentiment":"neutral","sentiment_score":-0.10754124820232391},{"text":"Yep.","start":395.595,"end":396.095,"sentiment":"neutral","sentiment_score":-0.13620921969413757},{"text":"Yeah.","start":396.86,"end":397.34,"sentiment":"neutral","sentiment_score":-0.039533499628305435}],"sentiment":"neutral","sentiment_score":-0.07901403680443764,"num_words":5,"start":390.23502,"end":397.34},{"sentences":[{"text":"No.","start":397.34,"end":397.84,"sentiment":"neutral","sentiment_score":-0.09847895801067352},{"text":"So what some people do as well and, again, it is completely up to you if you don't wanna go through the lawyer.","start":398.13998,"end":403.91998,"sentiment":"neutral","sentiment_score":-0.020679321787927463},{"text":"You can even just go down to the post office.","start":404.53998,"end":406.86,"sentiment":"neutral","sentiment_score":0.1194443129003048},{"text":"They do, like, little will kits, which can be a more affordable option.","start":406.86,"end":412.125,"sentiment":"neutral","sentiment_score":0.3187928658265334},{"text":"The only thing to be mindful of with that is just reading the instructions carefully and make sure you do complete it correctly.","start":412.425,"end":419.085,"sentiment":"neutral","sentiment_score":0.024439965901167496}],"sentiment":"neutral","sentiment_score":0.07609666059059757,"num_words":70,"start":397.34,"end":419.085},{"sentences":[{"text":"So if something ever were to have happen, it does hold up in court if need be.","start":419.145,"end":424.91,"sentiment":"neutral","sentiment_score":-0.24657606684109745},{"text":"You're more than welcome to email me a copy if you would like us to keep it on file for you, but it is obviously a will kit.","start":424.91,"end":433.72998,"sentiment":"neutral","sentiment_score":0.26248324050434996},{"text":"Yeah.","start":433.94998,"end":434.44998,"sentiment":"neutral","sentiment_score":0.032721422612667084},{"text":"And there are just from, like, a off post.","start":438.045,"end":441.025,"sentiment":"neutral","sentiment_score":0.021313659018940397},{"text":"You can usually get one.","start":441.885,"end":443.345,"sentiment":"neutral","sentiment_score":0.060438722372055054}],"sentiment":"neutral","sentiment_score":0.061407926057775813,"num_words":60,"start":419.145,"end":443.345},{"sentences":[{"text":"Yeah.","start":443.405,"end":443.905,"sentiment":"neutral","sentiment_score":0.1068912148475647},{"text":"Which is a lot cheaper.","start":444.36502,"end":445.42502,"sentiment":"neutral","sentiment_score":0.20205689072608948},{"text":"Yep.","start":445.64502,"end":446.14502,"sentiment":"neutral","sentiment_score":0.11012843251228333},{"text":"And sometimes there are even, like, free online ones.","start":446.36502,"end":450.06,"sentiment":"neutral","sentiment_score":0.12744296176566017},{"text":"Just be careful because some of their t's and c's and some of them can be a bit, cheeky.","start":450.13998,"end":455.84,"sentiment":"neutral","sentiment_score":-0.056172544822881094}],"sentiment":"neutral","sentiment_score":0.03734321157847132,"num_words":35,"start":443.405,"end":455.84},{"sentences":[{"text":"So just have a have a bit of a read over it.","start":456.3,"end":458.86,"sentiment":"neutral","sentiment_score":0.0031505602722366652},{"text":"But, yeah, otherwise, the will kit is a good option if you don't wanna go through, like, the the lawyer side.","start":458.86,"end":463.52,"sentiment":"neutral","sentiment_score":0.09338057466915675},{"text":"Would you like us to still send you the information in regards to, like, the will through the lawyer, or you're good?","start":465.285,"end":471.14502,"sentiment":"neutral","sentiment_score":0.06280235827646473},{"text":"Still okay.","start":471.52502,"end":472.505,"sentiment":"neutral","sentiment_score":0.10313775576651096},{"text":"Yep.","start":472.80502,"end":473.20502,"sentiment":"neutral","sentiment_score":0.1653527468442917}],"sentiment":"neutral","sentiment_score":0.06469101606514947,"num_words":58,"start":456.3,"end":473.20502},{"sentences":[{"text":"Perfect.","start":473.20502,"end":473.70502,"sentiment":"positive","sentiment_score":0.3934727907180786},{"text":"Yeah.","start":477.22,"end":477.72,"sentiment":"neutral","sentiment_score":0.19279392063617704},{"text":"Yeah.","start":477.86,"end":478.34,"sentiment":"neutral","sentiment_score":0.2852548360824585},{"text":"Perfect.","start":478.34,"end":478.84,"sentiment":"positive","sentiment_score":0.4305303692817688},{"text":"That way, at least you have it if anything ever were to change.","start":479.46,"end":482.6,"sentiment":"positive","sentiment_score":0.3377625632744569}],"sentiment":"positive","sentiment_score":0.334880308193319,"num_words":17,"start":473.20502,"end":482.6},{"sentences":[{"text":"Now while we are talking about estate planning, I can see here that we have a nomination for your superannuation, and it is noted out as an other dependent.","start":483.06,"end":494.245,"sentiment":"neutral","sentiment_score":0.08810835768436563},{"text":"Do you know the relationship for that person to you?","start":497.10498,"end":501.285,"sentiment":"neutral","sentiment_score":0.043211523443460464},{"text":"It's so on your beneficiary form, so you have noted down now apologies because I'm probably not gonna pronounce this name correctly.","start":504.64,"end":512.74,"sentiment":"neutral","sentiment_score":-0.03985428541306068},{"text":"But Nguyen?","start":513.2,"end":514.10004,"sentiment":"neutral","sentiment_score":-0.008060280000790954},{"text":"Yeah.","start":516.76495,"end":517.165,"sentiment":"neutral","sentiment_score":0.014743207022547722}],"sentiment":"neutral","sentiment_score":0.03295446836273186,"num_words":64,"start":483.06,"end":517.165},{"sentences":[{"text":"Okay.","start":517.165,"end":517.665,"sentiment":"neutral","sentiment_score":0.025291066616773605},{"text":"So that's your mom?","start":518.285,"end":519.425,"sentiment":"neutral","sentiment_score":0.023431426379829645},{"text":"Now with your mom, does she live with you?","start":520.925,"end":526.94495,"sentiment":"neutral","sentiment_score":-0.0029841971894105277},{"text":"No.","start":528.03,"end":528.53,"sentiment":"neutral","sentiment_score":-0.06968744844198227},{"text":"Okay.","start":529.23,"end":529.73,"sentiment":"neutral","sentiment_score":0.007805457338690758}],"sentiment":"neutral","sentiment_score":0.0018923128955066204,"num_words":16,"start":517.165,"end":529.73},{"sentences":[{"text":"Does she okay.","start":530.27,"end":533.15,"sentiment":"neutral","sentiment_score":0.02773985204597314},{"text":"So with superannuation, they do make it quite tricky in who you can actually nominate directly through superannuation.","start":533.15,"end":538.69,"sentiment":"neutral","sentiment_score":-0.07559824031260279},{"text":"So there are a lot of rules and legislation in place with that.","start":540.405,"end":543.865,"sentiment":"neutral","sentiment_score":-0.07738927665811318},{"text":"So you still very much can give it to your mom, but that is no problem.","start":545.28503,"end":548.805,"sentiment":"neutral","sentiment_score":0.13001788267865777},{"text":"We would just have to change the way that it's structured, which is a little bit of a tedious process, but it is at least the way you can give it to her because I have so many clients who it's like, well, if I were to give it to a nephew and niece or my parents, brother and sister, how do I do that?","start":548.805,"end":565.13,"sentiment":"neutral","sentiment_score":0.08228759616613388}],"sentiment":"neutral","sentiment_score":0.04474235224011152,"num_words":115,"start":530.27,"end":565.13},{"sentences":[{"text":"So to make a direct nomination, the only ones that are technically valid is a spouse or child, a financial dependent, or if you are in a interdependency relationship.","start":565.13,"end":577.945,"sentiment":"neutral","sentiment_score":0.03962146452274816},{"text":"Essentially, what that means is someone who must remain financially dependent on you at the time of your passing.","start":579.02,"end":586.0,"sentiment":"neutral","sentiment_score":-0.004814552045182178},{"text":"You need to have a close relationship while living together and providing financial domestic and personal care support.","start":586.46,"end":593.36005,"sentiment":"neutral","sentiment_score":0.03708802929355039},{"text":"So if your mom doesn't fall into that category, the way that we would change it is that on the form, we would change it to a 100% being to your legal personal representative.","start":594.105,"end":607.965,"sentiment":"neutral","sentiment_score":0.0202021232313093},{"text":"Basically, that is a fancy word for reverting back to your will.","start":609.18,"end":613.2,"sentiment":"neutral","sentiment_score":0.03375440106416742}],"sentiment":"neutral","sentiment_score":0.025152281359104172,"num_words":112,"start":565.13,"end":613.2},{"sentences":[{"text":"Then in your will, you can stipulate that you would like it to go to you would like your superannuation and insurances to go to your mom.","start":613.5,"end":620.88,"sentiment":"neutral","sentiment_score":0.06079617873937995},{"text":"The the only reason we have to do it this way is because superanninsurances does not form part of your estate.","start":621.995,"end":627.53503,"sentiment":"neutral","sentiment_score":-0.08463679183097113},{"text":"Does that make sense?","start":629.03503,"end":630.255,"sentiment":"neutral","sentiment_score":0.05824505817145109},{"text":"Okay.","start":631.195,"end":631.695,"sentiment":"neutral","sentiment_score":0.20598936080932617},{"text":"Perfect.","start":632.23505,"end":632.73505,"sentiment":"positive","sentiment_score":0.5748028755187988}],"sentiment":"neutral","sentiment_score":0.01625734567642212,"num_words":54,"start":613.5,"end":632.73505},{"sentences":[{"text":"Yeah.","start":636.22,"end":636.72,"sentiment":"neutral","sentiment_score":0.008431749418377876},{"text":"But in the event you rather have something in place if something ever were to happen now do you have access to a printer at all, or would you like us to post these out to you?","start":636.77997,"end":648.39996,"sentiment":"neutral","sentiment_score":0.006387622322182398},{"text":"Printer.","start":650.615,"end":651.095,"sentiment":"neutral","sentiment_score":0.07716046273708344},{"text":"Okay.","start":651.095,"end":651.255,"sentiment":"neutral","sentiment_score":0.17299635708332062},{"text":"So what I might do, if you're happy with that, is I'll just get the team to email you a copy of the super and the insurance form.","start":651.255,"end":658.795,"sentiment":"positive","sentiment_score":0.34031420413936886}],"sentiment":"neutral","sentiment_score":0.14740776928032145,"num_words":68,"start":636.22,"end":658.795},{"sentences":[{"text":"That way, when you have a moment, just print them out, complete it, scan it, and send it back, and we will get that all sorted for you.","start":659.015,"end":665.88,"sentiment":"positive","sentiment_score":0.3772534781268665},{"text":"And then, obviously, when you have a sec, have a look at that will as well.","start":666.5,"end":670.76,"sentiment":"neutral","sentiment_score":0.1718569928780198},{"text":"Okay.","start":672.26,"end":672.76,"sentiment":"neutral","sentiment_score":0.2307497411966324},{"text":"Perfect.","start":672.82,"end":673.32,"sentiment":"positive","sentiment_score":0.40845751762390137},{"text":"Now, otherwise, do you are you politically exposed to earn an income overseas at all?","start":675.165,"end":681.185,"sentiment":"neutral","sentiment_score":-0.029678504665692648}],"sentiment":"neutral","sentiment_score":0.2214235895481266,"num_words":61,"start":659.015,"end":681.185},{"sentences":[{"text":"Yeah.","start":685.245,"end":685.64496,"sentiment":"neutral","sentiment_score":-0.007841032929718494},{"text":"Do you earn, like, a income are you a tax resident in any foreign jurisdiction?","start":685.64496,"end":690.225,"sentiment":"neutral","sentiment_score":-0.014954173130293687},{"text":"No.","start":694.81,"end":695.13,"sentiment":"neutral","sentiment_score":-0.14729337394237518},{"text":"No.","start":695.13,"end":695.37,"sentiment":"neutral","sentiment_score":-0.1667281687259674},{"text":"That's okay.","start":695.37,"end":696.19,"sentiment":"neutral","sentiment_score":-0.08236075006425381}],"sentiment":"neutral","sentiment_score":-0.0355448336340487,"num_words":20,"start":685.245,"end":696.19},{"sentences":[{"text":"I'm the same.","start":696.57,"end":697.29,"sentiment":"neutral","sentiment_score":-0.02874625474214554},{"text":"I have dual citizenship, but I don't earn income overseas.","start":697.29,"end":700.11,"sentiment":"neutral","sentiment_score":-0.08824024759232998},{"text":"So, no, that is all good.","start":700.17,"end":701.63,"sentiment":"neutral","sentiment_score":0.014605403567353884},{"text":"I'm Swedish.","start":702.49,"end":703.23,"sentiment":"neutral","sentiment_score":-0.012808849103748798},{"text":"Yeah.","start":705.46497,"end":705.96497,"sentiment":"neutral","sentiment_score":0.03319178894162178}],"sentiment":"neutral","sentiment_score":-0.03970157854597677,"num_words":22,"start":696.57,"end":705.96497},{"sentences":[{"text":"What about you?","start":706.02496,"end":707.00494,"sentiment":"neutral","sentiment_score":0.012528807545701662},{"text":"Oh, yeah.","start":709.38495,"end":709.865,"sentiment":"neutral","sentiment_score":0.0733773224055767},{"text":"Nice.","start":709.865,"end":710.365,"sentiment":"positive","sentiment_score":0.41291365027427673},{"text":"It's nice that at least the countries allow it because I have so many friends.","start":710.665,"end":714.285,"sentiment":"neutral","sentiment_score":0.22191765606403352},{"text":"Different parts of Europe don't do it.","start":714.665,"end":716.94,"sentiment":"neutral","sentiment_score":-0.09154038157846246}],"sentiment":"neutral","sentiment_score":0.1173298888440643,"num_words":28,"start":706.02496,"end":716.94},{"sentences":[{"text":"Like, Denmark is our neighboring country.","start":717.07996,"end":719.0,"sentiment":"neutral","sentiment_score":-0.029196289988855522},{"text":"They don't do Jules, so then you have to choose.","start":719.0,"end":721.01996,"sentiment":"neutral","sentiment_score":-0.015568634495139122},{"text":"And because, obviously, living in Australia.","start":721.07996,"end":722.77997,"sentiment":"neutral","sentiment_score":-0.013396215159446001},{"text":"Yeah.","start":723.24,"end":723.74,"sentiment":"neutral","sentiment_score":0.022587083280086517},{"text":"Yes.","start":725.32,"end":725.82,"sentiment":"neutral","sentiment_score":-0.0027892980724573135}],"sentiment":"neutral","sentiment_score":-0.016310149609732132,"num_words":24,"start":717.07996,"end":725.82},{"sentences":[{"text":"Yep.","start":732.615,"end":733.115,"sentiment":"neutral","sentiment_score":-0.007812675088644028},{"text":"No.","start":740.71,"end":741.03,"sentiment":"neutral","sentiment_score":-0.11025284230709076},{"text":"So the will is you can do whatever you want to.","start":741.03,"end":743.85004,"sentiment":"neutral","sentiment_score":0.03114902126518163},{"text":"On on here, it is just to say so on the super insurance form, literally, the only thing it will be is tick a box that says LPR, which is legal personal representative, a 100%, And that just says that it just goes straight to your will.","start":744.47003,"end":758.115,"sentiment":"neutral","sentiment_score":0.09569208490404676},{"text":"Then in your will, you can have everything under the sun of your assets or whatever it is that you want that is completely separate.","start":758.115,"end":764.455,"sentiment":"neutral","sentiment_score":0.18339355587959288}],"sentiment":"neutral","sentiment_score":0.10949341887060333,"num_words":85,"start":732.615,"end":764.455},{"sentences":[{"text":"It just means that it reverts to the one estate instead of having to deal with super insurance separate to the estate.","start":764.675,"end":770.695,"sentiment":"neutral","sentiment_score":0.10427155819806186},{"text":"Yep.","start":771.9,"end":772.14,"sentiment":"neutral","sentiment_score":0.08234661817550659},{"text":"Does that answer your question?","start":772.14,"end":773.44,"sentiment":"neutral","sentiment_score":0.04212811626493931},{"text":"Yes?","start":779.98,"end":780.48,"sentiment":"neutral","sentiment_score":0.034846916794776917},{"text":"Okay.","start":785.35504,"end":785.85504,"sentiment":"neutral","sentiment_score":-0.01616082899272442}],"sentiment":"neutral","sentiment_score":0.08685491892198721,"num_words":30,"start":764.675,"end":785.85504},{"sentences":[{"text":"No.","start":787.835,"end":788.335,"sentiment":"neutral","sentiment_score":-0.2141980230808258},{"text":"No.","start":789.35504,"end":789.675,"sentiment":"neutral","sentiment_score":-0.2231990396976471},{"text":"That's okay.","start":789.675,"end":790.315,"sentiment":"neutral","sentiment_score":-0.03792179375886917},{"text":"It's more so if you are earning, like, a regular income overseas, especially for some some countries if there's, like, double tax system and stuff.","start":790.315,"end":799.10004,"sentiment":"neutral","sentiment_score":-0.01362863501533866},{"text":"It's just good for us to know, obviously, if we are doing your finances and stuff if you are getting, like, double tax or depending on which country you're earning a regular income from.","start":799.10004,"end":808.32,"sentiment":"neutral","sentiment_score":0.1855511857634958}],"sentiment":"neutral","sentiment_score":0.08658386968697111,"num_words":63,"start":787.835,"end":808.32},{"sentences":[{"text":"But if right now you are not receiving, like, a little gift and stuff, that's perfectly fine.","start":808.54004,"end":815.07495,"sentiment":"neutral","sentiment_score":0.11659043457578211},{"text":"That happens, especially when you have, obviously, dual citizenship.","start":815.07495,"end":818.375,"sentiment":"neutral","sentiment_score":0.18219970828957027},{"text":"It's more so if you are earning, like, a regular income overseas or, like, have an investment property overseas and and that kind of stuff.","start":818.83496,"end":830.44,"sentiment":"neutral","sentiment_score":0.04178171843290329},{"text":"Okay.","start":831.77997,"end":832.18,"sentiment":"neutral","sentiment_score":-0.014599783346056938},{"text":"So what was that?","start":832.18,"end":832.82,"sentiment":"neutral","sentiment_score":-0.04346182197332382}],"sentiment":"neutral","sentiment_score":0.0799630473567439,"num_words":56,"start":808.54004,"end":832.82},{"sentences":[{"text":"Sorry.","start":832.82,"end":833.32,"sentiment":"neutral","sentiment_score":-0.25330811738967896},{"text":"Mhmm.","start":847.795,"end":848.295,"sentiment":"neutral","sentiment_score":-0.11542198061943054},{"text":"Yep.","start":849.89,"end":850.39,"sentiment":"neutral","sentiment_score":-0.08262696117162704},{"text":"Yes.","start":856.53,"end":857.03,"sentiment":"neutral","sentiment_score":-0.017085161060094833},{"text":"Yep.","start":858.37,"end":858.87,"sentiment":"neutral","sentiment_score":0.011429257690906525}],"sentiment":"neutral","sentiment_score":-0.09140259250998498,"num_words":5,"start":832.82,"end":858.87},{"sentences":[{"text":"Okay.","start":859.17004,"end":859.65,"sentiment":"neutral","sentiment_score":-0.00028989464044570923},{"text":"Yes.","start":859.65,"end":859.89,"sentiment":"neutral","sentiment_score":-0.0010408125817775726},{"text":"No.","start":859.89,"end":860.05,"sentiment":"neutral","sentiment_score":-0.1457751989364624},{"text":"That is correct.","start":860.05,"end":860.95,"sentiment":"neutral","sentiment_score":0.015966281294822693},{"text":"It would just be yes.","start":861.41003,"end":866.14496,"sentiment":"neutral","sentiment_score":0.0464200459420681}],"sentiment":"neutral","sentiment_score":0.012081197039647535,"num_words":11,"start":859.17004,"end":866.14496},{"sentences":[{"text":"Yes.","start":868.045,"end":868.545,"sentiment":"neutral","sentiment_score":0.05373298749327659},{"text":"Okay.","start":869.165,"end":869.665,"sentiment":"neutral","sentiment_score":0.15708106756210327},{"text":"Yes.","start":869.725,"end":870.045,"sentiment":"neutral","sentiment_score":0.21901653707027435},{"text":"You can.","start":870.045,"end":870.445,"sentiment":"positive","sentiment_score":0.34389814734458923},{"text":"That's that's fine.","start":870.445,"end":871.32495,"sentiment":"positive","sentiment_score":0.4854963421821594}],"sentiment":"neutral","sentiment_score":0.32176448917016387,"num_words":8,"start":868.045,"end":871.32495},{"sentences":[{"text":"And that's yeah.","start":871.32495,"end":871.96497,"sentiment":"positive","sentiment_score":0.41515985131263733},{"text":"That's totally fine.","start":871.96497,"end":873.165,"sentiment":"positive","sentiment_score":0.5640537142753601},{"text":"Yep.","start":873.165,"end":873.665,"sentiment":"neutral","sentiment_score":0.30140846967697144},{"text":"Perfect.","start":874.95,"end":875.45,"sentiment":"positive","sentiment_score":0.6957252025604248},{"text":"Now, otherwise, when it comes to goals, the stuff that you are focusing on, now it is usually a good point during annual review to kind of check-in to see, okay.","start":876.63,"end":884.71,"sentiment":"neutral","sentiment_score":0.228552877422302}],"sentiment":"neutral","sentiment_score":0.2825618863869936,"num_words":39,"start":871.32495,"end":884.71},{"sentences":[{"text":"Well, what happened in the last twelve months?","start":884.71,"end":886.73004,"sentiment":"neutral","sentiment_score":0.10379554517567158},{"text":"What were your goals?","start":886.79004,"end":887.59,"sentiment":"neutral","sentiment_score":0.13816110976040363},{"text":"Did you achieve them?","start":887.59,"end":888.79004,"sentiment":"neutral","sentiment_score":0.2501387186348438},{"text":"What you wanna set for the next twelve months for a bit of accountability sometimes and if there's any other areas you would like advice on.","start":888.79004,"end":895.785,"sentiment":"neutral","sentiment_score":0.15150351220598587},{"text":"So I can see here that when you spoke to my colleague, last year, your main focus was just to pay down the mortgage essentially and to kind of build up a bit more of a saving.","start":896.165,"end":906.67,"sentiment":"neutral","sentiment_score":0.1122048136753005}],"sentiment":"neutral","sentiment_score":0.13258522909276094,"num_words":79,"start":884.71,"end":906.67},{"sentences":[{"text":"Is that still kind of your main focus?","start":906.89,"end":908.99,"sentiment":"neutral","sentiment_score":0.06368127837777138},{"text":"No.","start":914.73,"end":915.05,"sentiment":"neutral","sentiment_score":-0.031228702515363693},{"text":"I know that feeling.","start":915.05,"end":916.02997,"sentiment":"neutral","sentiment_score":-0.03449164144694805},{"text":"Where are you going anywhere, fun?","start":916.08997,"end":917.95,"sentiment":"neutral","sentiment_score":0.013665970414876938},{"text":"That's nice.","start":920.965,"end":921.78503,"sentiment":"neutral","sentiment_score":0.23411885648965836}],"sentiment":"neutral","sentiment_score":0.042404214008933024,"num_words":21,"start":906.89,"end":921.78503},{"sentences":[{"text":"Oh, yeah.","start":922.325,"end":923.065,"sentiment":"neutral","sentiment_score":0.07295691967010498},{"text":"Oh, beautiful.","start":929.84503,"end":930.405,"sentiment":"neutral","sentiment_score":0.281099796295166},{"text":"And where is there, Kentucky?","start":930.405,"end":931.465,"sentiment":"neutral","sentiment_score":0.057142324000597},{"text":"Oh, nice.","start":936.07996,"end":936.72,"sentiment":"neutral","sentiment_score":0.20127977430820465},{"text":"Is that during summer over there?","start":936.72,"end":938.95996,"sentiment":"neutral","sentiment_score":0.057795834417144455}],"sentiment":"neutral","sentiment_score":0.10253880041487076,"num_words":17,"start":922.325,"end":938.95996},{"sentences":[{"text":"So, like, June, July, August sometimes?","start":938.95996,"end":940.82,"sentiment":"neutral","sentiment_score":0.03368532999108235},{"text":"Oh, that'd be nice.","start":940.95996,"end":941.83997,"sentiment":"neutral","sentiment_score":0.10711587592959404},{"text":"I'm jealous.","start":941.83997,"end":942.5,"sentiment":"neutral","sentiment_score":0.12048477306962013},{"text":"Yeah.","start":954.665,"end":955.165,"sentiment":"neutral","sentiment_score":-0.0134764201939106},{"text":"Yep.","start":956.025,"end":956.52,"sentiment":"neutral","sentiment_score":0.01926153153181076}],"sentiment":"neutral","sentiment_score":0.06266643865300077,"num_words":14,"start":938.95996,"end":956.52},{"sentences":[{"text":"Yes.","start":959.72003,"end":960.22003,"sentiment":"neutral","sentiment_score":0.0677824392914772},{"text":"Mhmm.","start":962.44,"end":962.94,"sentiment":"neutral","sentiment_score":-0.04748234525322914},{"text":"Yes.","start":965.80005,"end":966.30005,"sentiment":"positive","sentiment_score":0.3478489816188812},{"text":"Exactly.","start":971.33496,"end":971.83496,"sentiment":"neutral","sentiment_score":-0.31565165519714355},{"text":"Yep.","start":981.75,"end":982.25,"sentiment":"neutral","sentiment_score":-0.10332001745700836}],"sentiment":"neutral","sentiment_score":-0.010164519399404525,"num_words":5,"start":959.72003,"end":982.25},{"sentences":[{"text":"And even with the the capital gains, it used to be obviously so competitive for an investment property or any investments really as well.","start":983.11,"end":990.64996,"sentiment":"neutral","sentiment_score":0.017805649588505428},{"text":"That's obviously all changing.","start":991.43,"end":992.70996,"sentiment":"neutral","sentiment_score":0.035312453750520945},{"text":"So, yeah, it will be interesting to see how things are changing, but also if it is driving property prices or anything because people might hold on to the investment properties longer because, obviously, if you bought it before the change.","start":992.70996,"end":1006.325,"sentiment":"neutral","sentiment_score":-0.002127358417321996},{"text":"So, yeah, very interesting to see what happens.","start":1007.96,"end":1010.84,"sentiment":"neutral","sentiment_score":0.11848918627947569},{"text":"And I think a lot of people in the same thinking process as you were, it's like, oh, well, my goal was to buy an investment property, but I don't know if I do wanna go down that way anymore.","start":1010.84,"end":1019.26,"sentiment":"neutral","sentiment_score":0.03248571455478668}],"sentiment":"neutral","sentiment_score":0.023322271644814402,"num_words":117,"start":983.11,"end":1019.26},{"sentences":[{"text":"And if it is that you want to expand outside property, like, if you I know you have overseas in stocks and stuff that you are managing.","start":1021.01495,"end":1027.515,"sentiment":"neutral","sentiment_score":0.10562534395743299},{"text":"But if it is that you do have a bit of spare money and you would like advice on, you know, investment bonds or different type of investments to diversify things elsewhere, just let us know because we can always book you in for a catch up.","start":1027.815,"end":1042.11,"sentiment":"neutral","sentiment_score":0.1138605423113133},{"text":"I know you're really busy, so you probably don't have a lot of time.","start":1042.11,"end":1044.67,"sentiment":"neutral","sentiment_score":-0.07446072889225823},{"text":"But whenever you do Generation Life?","start":1044.67,"end":1059.025,"sentiment":"neutral","sentiment_score":0.004487741117676099},{"text":"Yep.","start":1059.805,"end":1060.305,"sentiment":"neutral","sentiment_score":0.05417502671480179}],"sentiment":"neutral","sentiment_score":0.07623137941485957,"num_words":95,"start":1021.01495,"end":1060.305},{"sentences":[{"text":"Investment bonds.","start":1061.86,"end":1062.18,"sentiment":"neutral","sentiment_score":0.02325847279280424},{"text":"Yes.","start":1062.18,"end":1062.68,"sentiment":"neutral","sentiment_score":0.04635702818632126},{"text":"Yeah.","start":1064.58,"end":1065.08,"sentiment":"neutral","sentiment_score":0.111941859126091},{"text":"So that is something that we do a lot for a lot of clients.","start":1066.5,"end":1069.38,"sentiment":"neutral","sentiment_score":0.20845039082424982},{"text":"So we have a lot of different investment bonds.","start":1069.38,"end":1071.54,"sentiment":"neutral","sentiment_score":0.14840294420719147}],"sentiment":"neutral","sentiment_score":0.1651388074926756,"num_words":27,"start":1061.86,"end":1071.54},{"sentences":[{"text":"There's different providers and stuff, but Generation Life is really competitive.","start":1071.54,"end":1075.72,"sentiment":"neutral","sentiment_score":0.2556774602694945},{"text":"It is one that we use quite frequently as well.","start":1076.635,"end":1079.695,"sentiment":"neutral","sentiment_score":0.29354126527905466},{"text":"So is that something you would like to look at, like, now or down the track?","start":1081.275,"end":1086.255,"sentiment":"neutral","sentiment_score":0.13644262589514256},{"text":"Or mhmm.","start":1086.395,"end":1100.17,"sentiment":"neutral","sentiment_score":0.07760833203792572},{"text":"Okay.","start":1100.17,"end":1100.67,"sentiment":"neutral","sentiment_score":0.16084977984428406}],"sentiment":"neutral","sentiment_score":0.20617532934993504,"num_words":40,"start":1071.54,"end":1100.67},{"sentences":[{"text":"Yep.","start":1109.865,"end":1110.365,"sentiment":"neutral","sentiment_score":0.11850982904434204},{"text":"Yes and no.","start":1122.44,"end":1123.4199,"sentiment":"neutral","sentiment_score":0.3178241550922394},{"text":"So with Generation Life specifically, it is correct.","start":1123.7999,"end":1128.2251,"sentiment":"positive","sentiment_score":0.5138837471604347},{"text":"The first twelve months, there is no limit.","start":1128.2251,"end":1130.785,"sentiment":"positive","sentiment_score":0.4605056196451187},{"text":"So you can put it however much you want.","start":1130.785,"end":1133.285,"sentiment":"positive","sentiment_score":0.4755426049232483}],"sentiment":"positive","sentiment_score":0.4533441611405077,"num_words":29,"start":1109.865,"end":1133.285},{"sentences":[{"text":"Now the thing to be mindful of is when it comes to stamp duty because it's classified as a life insurance product.","start":1133.745,"end":1140.3251,"sentiment":"neutral","sentiment_score":0.014269005782394246},{"text":"So, typically, if we are looking at a larger sum, so if we're looking at anything over 50,000, obviously, this is not a recommendation because I'd have to do the research.","start":1141.05,"end":1151.77,"sentiment":"neutral","sentiment_score":-0.09544102096509549},{"text":"But typically speaking, you would put 50,000 in because you do not wanna trigger stamp duty.","start":1151.77,"end":1158.325,"sentiment":"neutral","sentiment_score":0.0042794558685272915},{"text":"Because anything under 50,000, the generation life will cover the stamp duty.","start":1158.325,"end":1162.805,"sentiment":"neutral","sentiment_score":0.12123848311603069},{"text":"Anything over that, you will have to pay for the stamp duty yourself.","start":1162.805,"end":1166.425,"sentiment":"neutral","sentiment_score":0.017428776392569907}],"sentiment":"neutral","sentiment_score":-0.009519641896947584,"num_words":94,"start":1133.745,"end":1166.425},{"sentences":[{"text":"So because there is no limit, you you can you can definitely put more if you want to.","start":1166.725,"end":1175.55,"sentiment":"neutral","sentiment_score":0.20657468711336455},{"text":"You would just do it as, like, a starting would be, like, 50, for example.","start":1175.93,"end":1180.59,"sentiment":"neutral","sentiment_score":0.1799279456337293},{"text":"And then let's say two days after.","start":1180.985,"end":1182.985,"sentiment":"neutral","sentiment_score":0.13340005491461074},{"text":"So within the first twelve months, you can put however much.","start":1182.985,"end":1185.865,"sentiment":"neutral","sentiment_score":0.19034042006189172},{"text":"So if, for example, let's say you were to invest 200,000, let's say, the way that in the first year, the way that we would typically structure it Now, again, it would depend on what research and stuff will say.","start":1185.865,"end":1199.72,"sentiment":"neutral","sentiment_score":0.04764402760192752}],"sentiment":"neutral","sentiment_score":0.12473153474402952,"num_words":91,"start":1166.725,"end":1199.72},{"sentences":[{"text":"But typically speaking, you would put 50,000 on day one as a starting balance.","start":1199.94,"end":1206.44,"sentiment":"neutral","sentiment_score":0.09525041521659919},{"text":"Day two, you could put a 150,000.","start":1206.98,"end":1209.8,"sentiment":"neutral","sentiment_score":0.17779165506362915},{"text":"You do not have to pay stamp duty that way because Generation Life will.","start":1210.255,"end":1214.415,"sentiment":"neutral","sentiment_score":0.14017448148557118},{"text":"So that is how you would structure it to start with to circumvent the stamp duty.","start":1214.415,"end":1221.475,"sentiment":"neutral","sentiment_score":0.2389712668955326},{"text":"So it's pretty clever that way.","start":1221.615,"end":1223.235,"sentiment":"positive","sentiment_score":0.7086586058139801}],"sentiment":"neutral","sentiment_score":0.22133301832435423,"num_words":57,"start":1199.94,"end":1223.235},{"sentences":[{"text":"And with the limits so, yes, from a tax efficiency point of view, because that is often why you would do an investment bond, because you don't have to pay obviously, it doesn't get added to your taxable income after the ten years, and you don't have to pay any personal capital gains on it.","start":1224.89,"end":1238.49,"sentiment":"neutral","sentiment_score":0.3206564131108197},{"text":"So it is very effective from a tax point of view, but you do have to have it for that ten ten year period.","start":1238.49,"end":1245.425,"sentiment":"positive","sentiment_score":0.4221499453609188},{"text":"Yes.","start":1246.525,"end":1247.025,"sentiment":"neutral","sentiment_score":0.2187339812517166},{"text":"And with the contribution limit, so in order to stay within the the tax benefit, so to say, they have a 125% rule.","start":1248.365,"end":1259.42,"sentiment":"neutral","sentiment_score":0.24018723776806955},{"text":"So that is kind of what you were alluding to, which is correct.","start":1259.7999,"end":1262.6,"sentiment":"positive","sentiment_score":0.3595267809354342}],"sentiment":"neutral","sentiment_score":0.32917750010202673,"num_words":116,"start":1224.89,"end":1262.6},{"sentences":[{"text":"So the first year, you can put however much you want.","start":1262.6,"end":1266.2999,"sentiment":"neutral","sentiment_score":0.24986182695085352},{"text":"The second year, you can only put up till a 125% of the previous year without triggering the the reset.","start":1267.5599,"end":1279.1749,"sentiment":"neutral","sentiment_score":0.034142974950373176},{"text":"You can do a lot less, but if you do less, the year after that, you can only do a 125% of that.","start":1279.315,"end":1285.19,"sentiment":"neutral","sentiment_score":-0.028463591052138287},{"text":"So it is trickier in that way to structure it.","start":1285.57,"end":1289.6699,"sentiment":"negative","sentiment_score":-0.3590561542659998},{"text":"Yep.","start":1291.25,"end":1291.75,"sentiment":"neutral","sentiment_score":-0.004715078976005316}],"sentiment":"neutral","sentiment_score":-0.012593840313358948,"num_words":65,"start":1262.6,"end":1291.75},{"sentences":[{"text":"Does that answer that question?","start":1291.97,"end":1293.25,"sentiment":"neutral","sentiment_score":-0.0005313128232955933},{"text":"That's probably a long winded phone number.","start":1293.25,"end":1295.35,"sentiment":"neutral","sentiment_score":-0.011983169176216637},{"text":"Yeah.","start":1297.825,"end":1298.325,"sentiment":"neutral","sentiment_score":0.12042843550443648},{"text":"Yeah.","start":1305.905,"end":1306.145,"sentiment":"neutral","sentiment_score":0.17081430554389954},{"text":"And if it is true, like, when you when you have time, if it is because we do all that research all the time, and we work very closely with Generation Lights.","start":1306.145,"end":1315.22,"sentiment":"neutral","sentiment_score":0.20608445000834763}],"sentiment":"neutral","sentiment_score":0.147813182455771,"num_words":46,"start":1291.97,"end":1315.22},{"sentences":[{"text":"So if it is that you would like a recommendation and you would like us to manage or anything for you, just let me know, and I can always book you in for, like, a separate conversation and just focus on that.","start":1316.48,"end":1329.155,"sentiment":"positive","sentiment_score":0.3414714769238517},{"text":"And I can then go and put a proposal and a recommendation together for you if it is something that you are wanting at any point in time.","start":1329.775,"end":1338.87,"sentiment":"neutral","sentiment_score":0.31998990955097334},{"text":"Yep.","start":1340.55,"end":1341.05,"sentiment":"neutral","sentiment_score":0.08191003650426865},{"text":"Yep.","start":1345.99,"end":1346.49,"sentiment":"neutral","sentiment_score":0.05671868845820427},{"text":"Just the timing.","start":1349.27,"end":1350.17,"sentiment":"neutral","sentiment_score":-0.10888333121935527}],"sentiment":"neutral","sentiment_score":0.30817997639377914,"num_words":75,"start":1316.48,"end":1350.17},{"sentences":[{"text":"Yeah.","start":1359.845,"end":1360.085,"sentiment":"neutral","sentiment_score":-0.05940763279795647},{"text":"Yeah.","start":1360.085,"end":1360.5651,"sentiment":"neutral","sentiment_score":-0.038171835243701935},{"text":"Okay.","start":1360.5651,"end":1360.965,"sentiment":"neutral","sentiment_score":-0.010523723438382149},{"text":"Yeah.","start":1360.965,"end":1361.4451,"sentiment":"neutral","sentiment_score":0.01641971245408058},{"text":"And I remember that too, like, when I was because I did my all my uni university degree serving Australia, but as an international student.","start":1361.4451,"end":1370.49,"sentiment":"neutral","sentiment_score":0.014610554873943329}],"sentiment":"neutral","sentiment_score":0.009433806649055975,"num_words":29,"start":1359.845,"end":1370.49},{"sentences":[{"text":"And with I had to transfer money from Sweden over to Australia to pay for my university degree.","start":1371.75,"end":1377.45,"sentiment":"neutral","sentiment_score":-0.009525562326113382},{"text":"And he was just like, sometimes I was like, oh, this is great.","start":1377.9099,"end":1380.595,"sentiment":"neutral","sentiment_score":0.0640214062654055},{"text":"I'm getting so much money.","start":1380.595,"end":1381.7949,"sentiment":"neutral","sentiment_score":0.19493064060807228},{"text":"And other times, it's like, ugh.","start":1381.7949,"end":1383.6549,"sentiment":"neutral","sentiment_score":-0.15169301877419153},{"text":"This barely covers anything.","start":1384.2749,"end":1385.8949,"sentiment":"neutral","sentiment_score":-0.3238382898271084}],"sentiment":"neutral","sentiment_score":-0.012392171942021536,"num_words":46,"start":1371.75,"end":1385.8949},{"sentences":[{"text":"So the exchange rate is can be a bit tricky at times as well.","start":1386.115,"end":1389.975,"sentiment":"neutral","sentiment_score":-0.20438118704727717},{"text":"Yes.","start":1396.37,"end":1396.87,"sentiment":"neutral","sentiment_score":-0.005992034450173378},{"text":"Yes.","start":1397.8099,"end":1398.21,"sentiment":"neutral","sentiment_score":-0.06275264918804169},{"text":"And then the no.","start":1398.21,"end":1399.97,"sentiment":"neutral","sentiment_score":-0.08857925795018673},{"text":"And then the bank fees as well depending on how you do it.","start":1399.97,"end":1403.01,"sentiment":"neutral","sentiment_score":-0.05148084633625471}],"sentiment":"neutral","sentiment_score":-0.11980755565067132,"num_words":33,"start":1386.115,"end":1403.01},{"sentences":[{"text":"So if you store the bank or if it's other platforms, there's a lot of different things nowadays that is making it easier and more affordable to transfer money from overseas, but there's still obviously fees and stuff, you know, involved in all that.","start":1403.01,"end":1417.53,"sentiment":"neutral","sentiment_score":0.01983556659384207},{"text":"Sorry.","start":1418.89,"end":1419.2101,"sentiment":"neutral","sentiment_score":-0.13875581324100494},{"text":"I'll I'll get that.","start":1419.2101,"end":1420.27,"sentiment":"neutral","sentiment_score":-0.05914390925318003},{"text":"Now I'll try to make this quick for you.","start":1420.81,"end":1423.05,"sentiment":"neutral","sentiment_score":0.06384533726506764},{"text":"That was basically all of the personal information I needed to run through with you.","start":1423.05,"end":1427.0701,"sentiment":"neutral","sentiment_score":0.0067688616613547}],"sentiment":"neutral","sentiment_score":0.016076362194263772,"num_words":73,"start":1403.01,"end":1427.0701},{"sentences":[{"text":"Now because you are pretty across when it comes to investments as well, I'm happy to skip going through the risk profile questionnaire because we have done that a couple of times, but I just wanted to make sure that you are still comfortable with what you have.","start":1427.4501,"end":1442.0751,"sentiment":"neutral","sentiment_score":0.1978610367514193},{"text":"So at the moment, we have you invested in a high growth portfolio.","start":1442.375,"end":1445.9701,"sentiment":"neutral","sentiment_score":0.1679632434478173},{"text":"Do you remember what it means to be, or are you quite familiar what it means to be a high growth investor?","start":1446.91,"end":1452.13,"sentiment":"neutral","sentiment_score":0.06050330146469853},{"text":"Yeah.","start":1456.8451,"end":1457.3451,"sentiment":"neutral","sentiment_score":0.05192454159259796},{"text":"Yep.","start":1457.885,"end":1458.285,"sentiment":"neutral","sentiment_score":0.13700586557388306}],"sentiment":"neutral","sentiment_score":0.15530417609740707,"num_words":85,"start":1427.4501,"end":1458.285},{"sentences":[{"text":"Okay.","start":1458.285,"end":1458.685,"sentiment":"neutral","sentiment_score":0.18481820821762085},{"text":"Yep.","start":1458.685,"end":1459.005,"sentiment":"neutral","sentiment_score":0.25874844193458557},{"text":"Perfect.","start":1459.005,"end":1459.505,"sentiment":"positive","sentiment_score":0.5538129806518555},{"text":"And asset wise, typically, we say 90% in your growth assets.","start":1459.645,"end":1464.2251,"sentiment":"neutral","sentiment_score":0.29206192222508515},{"text":"So, obviously, your Australian shares, international shares property maximize that growth for you, and about 10% in defensive, like your cash or gold, your fixed interest, your limit fluctuations a little bit, but the main focus is growing that.","start":1464.285,"end":1478.04,"sentiment":"neutral","sentiment_score":0.3287872836375848}],"sentiment":"neutral","sentiment_score":0.3213729214555812,"num_words":53,"start":1458.285,"end":1478.04},{"sentences":[{"text":"When it comes to a time frame, we also wanna make sure you have enough time in the market for those fluctuations, which you certainly do.","start":1478.1001,"end":1484.5851,"sentiment":"neutral","sentiment_score":0.24954226784981215},{"text":"So high growth, we wanna allow a minimum of eight years to retirement, which, again, you have plenty of time until retirement in order to try to grow that.","start":1484.5851,"end":1492.1051,"sentiment":"neutral","sentiment_score":0.3081753783184907},{"text":"So you are happy with high high high growth?","start":1492.1051,"end":1494.765,"sentiment":"positive","sentiment_score":0.4682653380764855},{"text":"Yep.","start":1496.2,"end":1496.5199,"sentiment":"neutral","sentiment_score":0.154215008020401},{"text":"Perfect.","start":1496.5199,"end":1497.0199,"sentiment":"positive","sentiment_score":0.3699091970920563}],"sentiment":"neutral","sentiment_score":0.30551056338079047,"num_words":66,"start":1478.1001,"end":1497.0199},{"sentences":[{"text":"Now do you have access to your emails at the moment?","start":1497.3999,"end":1499.6599,"sentiment":"neutral","sentiment_score":0.1031978154046969},{"text":"Yep.","start":1502.6799,"end":1503.08,"sentiment":"neutral","sentiment_score":0.12478512525558472},{"text":"Perfect.","start":1503.08,"end":1503.58,"sentiment":"neutral","sentiment_score":0.3232535123825073},{"text":"So what I have done is I have to send you an email with some documents to go through quickly.","start":1503.7999,"end":1508.62,"sentiment":"neutral","sentiment_score":0.1869051568210125},{"text":"I'll skip the ones that I don't have to go through, again, to save you time.","start":1509.8151,"end":1514.055,"sentiment":"neutral","sentiment_score":0.10498385736718774}],"sentiment":"neutral","sentiment_score":0.14287876451806147,"num_words":49,"start":1497.3999,"end":1514.055},{"sentences":[{"text":"But did that email come through okay?","start":1514.055,"end":1515.755,"sentiment":"neutral","sentiment_score":0.06540770243321146},{"text":"Yeah.","start":1517.415,"end":1517.735,"sentiment":"neutral","sentiment_score":0.08624173700809479},{"text":"Okay.","start":1517.735,"end":1518.055,"sentiment":"neutral","sentiment_score":0.16814616322517395},{"text":"Perfect.","start":1518.055,"end":1518.535,"sentiment":"neutral","sentiment_score":0.3188828229904175},{"text":"So we have recently changed the software, so it might look a little bit different to what you were used to.","start":1518.535,"end":1522.47,"sentiment":"neutral","sentiment_score":0.08945097862964585}],"sentiment":"neutral","sentiment_score":0.09385790940253966,"num_words":31,"start":1514.055,"end":1522.47},{"sentences":[{"text":"But if you can click on the email for me now before you click on the link where it says sign now, at the bottom, you should see a couple of attachments.","start":1522.5499,"end":1530.65,"sentiment":"neutral","sentiment_score":0.086369882337749},{"text":"Can you see those?","start":1530.7899,"end":1531.77,"sentiment":"neutral","sentiment_score":0.040144357830286026},{"text":"So yep.","start":1534.485,"end":1539.3049,"sentiment":"neutral","sentiment_score":0.030479304492473602},{"text":"You can see them?","start":1539.365,"end":1540.4249,"sentiment":"neutral","sentiment_score":0.03944277064874768},{"text":"Yes.","start":1542.885,"end":1543.385,"sentiment":"neutral","sentiment_score":0.0413835234940052}],"sentiment":"neutral","sentiment_score":0.07405876467914083,"num_words":43,"start":1522.5499,"end":1543.385},{"sentences":[{"text":"Yep.","start":1545.125,"end":1545.525,"sentiment":"neutral","sentiment_score":0.0970366820693016},{"text":"Those are the ones.","start":1545.525,"end":1546.485,"sentiment":"neutral","sentiment_score":0.18327580392360687},{"text":"Perfect.","start":1546.485,"end":1546.985,"sentiment":"neutral","sentiment_score":0.057004448026418686},{"text":"So you should see two documents at the bottom usually where it says Oakview Financial Services Guide and Oakview Financial Services Guide version four.","start":1547.39,"end":1555.5701,"sentiment":"neutral","sentiment_score":0.024169716828813154},{"text":"Can you see those?","start":1555.63,"end":1556.6901,"sentiment":"neutral","sentiment_score":0.019612781703472137}],"sentiment":"neutral","sentiment_score":0.04546084342633977,"num_words":34,"start":1545.125,"end":1556.6901},{"sentences":[{"text":"Yeah.","start":1556.91,"end":1557.31,"sentiment":"neutral","sentiment_score":0.044960275292396545},{"text":"I won't get you to open them.","start":1557.31,"end":1558.75,"sentiment":"neutral","sentiment_score":-0.07913650838392121},{"text":"They are the same as every year, just an updated version.","start":1558.75,"end":1561.55,"sentiment":"neutral","sentiment_score":0.04468755322423848},{"text":"It's one of those compliance documents, gives you all the important information regarding us here at Oakview.","start":1561.55,"end":1567.435,"sentiment":"neutral","sentiment_score":0.12217708720880396},{"text":"We've had a bit of a update in marketing, a bit of an extension to the team.","start":1567.8151,"end":1571.735,"sentiment":"neutral","sentiment_score":0.031297819688916206}],"sentiment":"neutral","sentiment_score":0.04889889093080781,"num_words":53,"start":1556.91,"end":1571.735},{"sentences":[{"text":"So if you do wanna go and have a read over them in your own time, you will see all the team addresses and advices.","start":1571.735,"end":1577.6001,"sentiment":"neutral","sentiment_score":0.08150569878518582},{"text":"You will see myself listed on there as well if you do wanna put a face to the voice.","start":1577.7401,"end":1581.68,"sentiment":"neutral","sentiment_score":0.08843620013641684},{"text":"Perfect.","start":1582.9401,"end":1583.4401,"sentiment":"positive","sentiment_score":0.4944773018360138},{"text":"Now if you could open for me, though, the one where it says super and insurance summary.","start":1583.66,"end":1588.16,"sentiment":"neutral","sentiment_score":0.1496365026516073},{"text":"Yep.","start":1591.745,"end":1592.145,"sentiment":"neutral","sentiment_score":0.20502212643623352}],"sentiment":"neutral","sentiment_score":0.11049603564398629,"num_words":63,"start":1571.735,"end":1592.145},{"sentences":[{"text":"Perfect.","start":1592.145,"end":1592.645,"sentiment":"positive","sentiment_score":0.49440932273864746},{"text":"Now that shows you your current situation.","start":1592.7051,"end":1594.9451,"sentiment":"neutral","sentiment_score":0.2524282953568867},{"text":"So it shows you that you have superannuation with hub twenty four, and you do have about 77,632 in there.","start":1594.9451,"end":1602.72,"sentiment":"neutral","sentiment_score":0.16944844648241997},{"text":"You also have some Neos insurances.","start":1602.7999,"end":1604.98,"sentiment":"neutral","sentiment_score":0.12230748062332471},{"text":"You have life and TPD, 623,432, and an income protection, which will pay you a monthly amount of 7,068 per month, thirty day waiting period, five year benefit period.","start":1605.6799,"end":1618.1,"sentiment":"neutral","sentiment_score":0.1628766183195443}],"sentiment":"neutral","sentiment_score":0.1763117957919363,"num_words":63,"start":1592.145,"end":1618.1},{"sentences":[{"text":"You get a tax rebate.","start":1618.305,"end":1619.265,"sentiment":"neutral","sentiment_score":0.1745842218399048},{"text":"The wage structure is through super, and total premium is 1,302.","start":1619.265,"end":1623.6051,"sentiment":"neutral","sentiment_score":0.1044101125814698},{"text":"Are you still happy with the level of cover and your insurances and stuff?","start":1623.665,"end":1627.2051,"sentiment":"neutral","sentiment_score":0.19990857105169976},{"text":"Yep.","start":1628.4651,"end":1628.9651,"sentiment":"neutral","sentiment_score":0.14277467131614685},{"text":"Okay.","start":1629.025,"end":1629.425,"sentiment":"neutral","sentiment_score":0.249203622341156}],"sentiment":"neutral","sentiment_score":0.16287908237427473,"num_words":32,"start":1618.305,"end":1629.425},{"sentences":[{"text":"Perfect.","start":1629.425,"end":1629.925,"sentiment":"positive","sentiment_score":0.3904803693294525},{"text":"Now the other one is then your twelve month performance report.","start":1630.7999,"end":1634.0,"sentiment":"neutral","sentiment_score":0.13751978494904257},{"text":"It should be the second attachment.","start":1634.0,"end":1635.62,"sentiment":"neutral","sentiment_score":0.10845287268360455},{"text":"Yep.","start":1639.84,"end":1640.34,"sentiment":"neutral","sentiment_score":0.05309488624334335},{"text":"Again, I won't spend too much time on this because it seems like you are pretty familiar, but, basically, it gives you a rundown of your portfolio in the last twelve months, how they have performed, what you have in each option after fees.","start":1640.72,"end":1654.745,"sentiment":"neutral","sentiment_score":0.031413847199556505}],"sentiment":"neutral","sentiment_score":0.06332094290308536,"num_words":63,"start":1629.425,"end":1654.745},{"sentences":[{"text":"So, basically, in a summary, obviously, there's been a lot of fluctuation in the market like you touched on as well in the last twelve months.","start":1654.805,"end":1661.31,"sentiment":"neutral","sentiment_score":-0.04594377621721763},{"text":"Bit of fluctuations, bit of up and down.","start":1661.4501,"end":1663.47,"sentiment":"neutral","sentiment_score":-0.08466393454000354},{"text":"Despite all of that, though, your portfolio has still done pretty good overall.","start":1663.6901,"end":1667.31,"sentiment":"neutral","sentiment_score":0.3060355647825278},{"text":"So in the last twelve months, after all fees, your portfolio has gone up by 10.54 percent.","start":1667.37,"end":1678.965,"sentiment":"neutral","sentiment_score":0.06226516799891696},{"text":"Yes.","start":1679.265,"end":1679.665,"sentiment":"neutral","sentiment_score":-0.005847109481692314}],"sentiment":"neutral","sentiment_score":0.048604206626231855,"num_words":65,"start":1654.805,"end":1679.665},{"sentences":[{"text":"So in the top one and that's the one I would do wanna, yeah, that's the one I wanted to talk to you about.","start":1679.665,"end":1689.19,"sentiment":"neutral","sentiment_score":0.0025091130131234727},{"text":"I think my colleague, Whitla, mentioned mentioned that.","start":1689.19,"end":1693.27,"sentiment":"neutral","sentiment_score":0.07281566271558404},{"text":"So I do wanna talk to you about that one.","start":1693.27,"end":1695.51,"sentiment":"neutral","sentiment_score":0.11882727146148682},{"text":"Now, obviously, the way that your portfolio overall is structured, you can see that some investment have gone through the roof and, otherwise, there's been a little bit slower.","start":1695.51,"end":1704.095,"sentiment":"neutral","sentiment_score":-0.033139272881992934},{"text":"Like, the Global X, Battery Tech, and Lithium, it's crazy at the moment.","start":1704.095,"end":1708.1749,"sentiment":"neutral","sentiment_score":-0.158096170769288}],"sentiment":"neutral","sentiment_score":-0.014110385772905179,"num_words":84,"start":1679.665,"end":1708.1749},{"sentences":[{"text":"Obviously, fuel prices, electric vehicles, that one has done amazing.","start":1708.1749,"end":1713.155,"sentiment":"neutral","sentiment_score":0.25655817426741123},{"text":"So the way that, obviously, your portfolio is structured is structured is you do wanna obviously balance things out and have a bit of diversification.","start":1713.455,"end":1719.42,"sentiment":"neutral","sentiment_score":0.21297540694475173},{"text":"Now the Bennelong investment, I do wanna touch on, and I would like to look at changing this if you are happy with it.","start":1720.2001,"end":1726.06,"sentiment":"neutral","sentiment_score":0.17128325750430426},{"text":"So with the Bennelong investment, that was obviously added to your portfolio.","start":1726.28,"end":1729.72,"sentiment":"neutral","sentiment_score":0.17455366626381874},{"text":"It is a managed fund, so they're obviously trying to actively buy and sell different investments in order to try to outperform the market.","start":1729.72,"end":1735.635,"sentiment":"neutral","sentiment_score":0.20530652751525244}],"sentiment":"neutral","sentiment_score":0.2002396394939799,"num_words":95,"start":1708.1749,"end":1735.635},{"sentences":[{"text":"It works slightly different to your ETF structure.","start":1735.935,"end":1738.515,"sentiment":"neutral","sentiment_score":0.06166207604110241},{"text":"Now they have done really well and been very competitive, and more recently, they've been a little bit slower with making their investment decision.","start":1739.295,"end":1746.035,"sentiment":"neutral","sentiment_score":-0.018179030157625675},{"text":"And, also, one of the investments that they actually had in their portfolio was the corporate travel group.","start":1746.54,"end":1751.8401,"sentiment":"neutral","sentiment_score":-0.0482425375117196},{"text":"Not sure if you heard about them, but they had a bit of issues with their reporting.","start":1752.14,"end":1755.4401,"sentiment":"neutral","sentiment_score":-0.18313796993564158},{"text":"So they were suspended from trading, which obviously saw a bit of a a dip.","start":1755.5801,"end":1759.395,"sentiment":"neutral","sentiment_score":-0.3040297736724218}],"sentiment":"neutral","sentiment_score":-0.10347753517874857,"num_words":82,"start":1735.935,"end":1759.395},{"sentences":[{"text":"So with the Bendalong Investments, the investment committee, we do a lot of research on the investments all the time because the good thing with hub twenty four is there's hundreds of different investment options for us to choose from.","start":1759.9551,"end":1770.135,"sentiment":"neutral","sentiment_score":0.3059770529158413},{"text":"And if there is one that is underperforming a little bit and not going to be the best option for you moving forward, we would like to look at changing it for something more suitable.","start":1770.1951,"end":1779.41,"sentiment":"negative","sentiment_score":-0.3709257153528077},{"text":"So we have done a lot of research, and we have found one that is quite competitive, which is called your beta shares a 200.","start":1780.11,"end":1786.83,"sentiment":"neutral","sentiment_score":0.20181107372045518},{"text":"Have you heard of that one?","start":1786.83,"end":1788.13,"sentiment":"neutral","sentiment_score":0.049976216008265816},{"text":"Yeah.","start":1791.4451,"end":1791.9451,"sentiment":"neutral","sentiment_score":0.033644143491983414}],"sentiment":"neutral","sentiment_score":0.04332205945643309,"num_words":107,"start":1759.9551,"end":1791.9451},{"sentences":[{"text":"It's another one, but it is your ETF.","start":1793.925,"end":1796.005,"sentiment":"neutral","sentiment_score":0.052215897012501955},{"text":"So instead of having that managed fund component yep.","start":1796.005,"end":1799.2251,"sentiment":"neutral","sentiment_score":0.03613090246087975},{"text":"Yep.","start":1802.66,"end":1803.14,"sentiment":"neutral","sentiment_score":0.1663701981306076},{"text":"So because of because of it so, basically, it's it will be cheaper for you than the Benelon because it doesn't have the active management.","start":1803.14,"end":1809.9601,"sentiment":"neutral","sentiment_score":0.15065582290291787},{"text":"But we're obviously, because we are removing one Australian investment, we do wanna replace it with another one to keeping that diversification and everything across your portfolio.","start":1810.5801,"end":1819.615,"sentiment":"neutral","sentiment_score":0.08914953063207644}],"sentiment":"neutral","sentiment_score":0.10118154851453645,"num_words":70,"start":1793.925,"end":1819.615},{"sentences":[{"text":"The Benel the BetaShares a 200 invests in their 200 largest companies listed e on the ASX.","start":1820.155,"end":1825.855,"sentiment":"neutral","sentiment_score":0.12446720416055006},{"text":"So very diversified.","start":1826.3151,"end":1827.295,"sentiment":"neutral","sentiment_score":0.28784407178560895},{"text":"It is cheaper than the Benelong for you, and has performed a little bit better.","start":1827.675,"end":1831.9,"sentiment":"neutral","sentiment_score":0.3305761565764745},{"text":"It is a little bit more stable because it is that ETF.","start":1831.9,"end":1834.38,"sentiment":"neutral","sentiment_score":0.22700443242986998},{"text":"So, obviously, as the company grows and gets bigger, gets into the 200, it gets added, something comes out.","start":1834.38,"end":1839.92,"sentiment":"neutral","sentiment_score":0.11273052464974553}],"sentiment":"neutral","sentiment_score":0.1940007604884379,"num_words":66,"start":1820.155,"end":1839.92},{"sentences":[{"text":"So are you happy for us to go ahead and make that switch removing Ben along and adding the BetaShares a 200 for you?","start":1840.6201,"end":1847.6749,"sentiment":"neutral","sentiment_score":0.2811823673546314},{"text":"Okay.","start":1855.575,"end":1855.8949,"sentiment":"neutral","sentiment_score":0.1247977465391159},{"text":"Yep.","start":1855.8949,"end":1856.2949,"sentiment":"neutral","sentiment_score":0.17581313848495483},{"text":"And we have done a lot of extensive research on it.","start":1856.2949,"end":1859.1,"sentiment":"neutral","sentiment_score":0.2964219383218072},{"text":"I just wanted to triple check that you are happy for us to do that.","start":1859.1799,"end":1862.48,"sentiment":"positive","sentiment_score":0.39330270687739055}],"sentiment":"neutral","sentiment_score":0.3117148005045377,"num_words":52,"start":1840.6201,"end":1862.48},{"sentences":[{"text":"So what I will do is I will issue you something that is called a record of advice.","start":1863.1,"end":1868.5599,"sentiment":"neutral","sentiment_score":0.20155860152509478},{"text":"Now you don't have to sign it, but it is for your record so that you have it on what we are doing.","start":1869.1,"end":1874.48,"sentiment":"neutral","sentiment_score":0.2226925148912098},{"text":"And that is just changing your Benelon to your a 200.","start":1874.765,"end":1878.785,"sentiment":"neutral","sentiment_score":0.14080534198067404},{"text":"So you will receive that in the email as well in the next couple of days to to let you know that we do that change.","start":1879.7251,"end":1886.7051,"sentiment":"positive","sentiment_score":0.3909015575280556},{"text":"Again, you don't have to change it, but it's for your records so that you can see that we'll do that change for you.","start":1887.0851,"end":1892.76,"sentiment":"positive","sentiment_score":0.3532464491824309}],"sentiment":"neutral","sentiment_score":0.28372741870436013,"num_words":102,"start":1863.1,"end":1892.76},{"sentences":[{"text":"Any questions?","start":1894.5801,"end":1895.3201,"sentiment":"neutral","sentiment_score":0.05281371437013149},{"text":"No.","start":1897.22,"end":1897.46,"sentiment":"neutral","sentiment_score":0.0013915449380874634},{"text":"Okay.","start":1897.46,"end":1897.96,"sentiment":"neutral","sentiment_score":0.18654149770736697},{"text":"Perfect.","start":1898.02,"end":1898.52,"sentiment":"positive","sentiment_score":0.5001013278961182},{"text":"Now, otherwise, you will see a Vanguard index chart.","start":1899.9401,"end":1903.185,"sentiment":"neutral","sentiment_score":0.25513287385304767}],"sentiment":"neutral","sentiment_score":0.2207041188542332,"num_words":14,"start":1894.5801,"end":1903.185},{"sentences":[{"text":"I won't go through that with you because, again, it seems like you have pretty good understanding of the market.","start":1903.185,"end":1907.4451,"sentiment":"positive","sentiment_score":0.3488782554864883},{"text":"But, basically, from here, if you are happy to do so, it will be if you are happy to press sign on the document that is there, you will get you to sign, let me see, two documents.","start":1907.8251,"end":1922.06,"sentiment":"neutral","sentiment_score":0.18936733038801895},{"text":"Now one of them is your ongoing service agreement.","start":1922.8401,"end":1926.54,"sentiment":"neutral","sentiment_score":0.09282796084880829},{"text":"Can you see that one?","start":1926.8401,"end":1928.115,"sentiment":"neutral","sentiment_score":0.07961051613092422},{"text":"Yep.","start":1937.795,"end":1938.275,"sentiment":"neutral","sentiment_score":0.13499386608600616}],"sentiment":"neutral","sentiment_score":0.21290440765553958,"num_words":73,"start":1903.185,"end":1938.275},{"sentences":[{"text":"Let me see.","start":1938.275,"end":1939.255,"sentiment":"neutral","sentiment_score":0.0928483580549558},{"text":"Yes.","start":1941.57,"end":1941.97,"sentiment":"neutral","sentiment_score":0.13302983343601227},{"text":"That's the one I'm talking about.","start":1941.97,"end":1943.57,"sentiment":"neutral","sentiment_score":0.13322390243411064},{"text":"Yes.","start":1943.57,"end":1944.07,"sentiment":"neutral","sentiment_score":0.16255061328411102},{"text":"So this one here will ask you to add a a signature and a date, and that is your ongoing service agreement.","start":1945.09,"end":1952.07,"sentiment":"neutral","sentiment_score":0.26440425420349295}],"sentiment":"neutral","sentiment_score":0.2178897735747424,"num_words":33,"start":1938.275,"end":1952.07},{"sentences":[{"text":"Just to say that you are happy to stay on as a client.","start":1953.155,"end":1955.975,"sentiment":"positive","sentiment_score":0.5422617128262153},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1956.0349,"end":1959.975,"sentiment":"neutral","sentiment_score":0.03736911962429682},{"text":"It stays exactly the same at 1.65.","start":1960.355,"end":1963.4149,"sentiment":"neutral","sentiment_score":0.1788851852927889},{"text":"It is not a lock in contract.","start":1963.715,"end":1965.315,"sentiment":"neutral","sentiment_score":-0.040412926248141696},{"text":"So if at any point in time, you are not happy, it is not a lock in contract.","start":1965.315,"end":1969.05,"sentiment":"neutral","sentiment_score":-0.05130753852427006}],"sentiment":"neutral","sentiment_score":0.13234389161593035,"num_words":57,"start":1953.155,"end":1969.05},{"sentences":[{"text":"But, otherwise, this lets us service your account and manage everything for you in the meantime until next time review where you have to sign another one.","start":1969.35,"end":1976.5701,"sentiment":"neutral","sentiment_score":0.2754804232606181},{"text":"And then the last one is a tax file number.","start":1977.855,"end":1980.655,"sentiment":"neutral","sentiment_score":0.20436371564865113},{"text":"It is a compliance form just to say we are keeping your tax file number secure and safe on file.","start":1980.655,"end":1985.875,"sentiment":"positive","sentiment_score":0.3391443878412247},{"text":"And then when you are able to add both those signatures, it should say validate.","start":1987.695,"end":1992.4349,"sentiment":"neutral","sentiment_score":0.22369578282038372},{"text":"Can you see that?","start":1993.05,"end":1994.03,"sentiment":"neutral","sentiment_score":0.12421311251819134}],"sentiment":"neutral","sentiment_score":0.26469454649639756,"num_words":76,"start":1969.35,"end":1994.03},{"sentences":[{"text":"Yep.","start":1994.5701,"end":1995.0701,"sentiment":"neutral","sentiment_score":0.16255944967269895},{"text":"And when you press validate, it should then load and send it back to me.","start":1995.4501,"end":2000.5901,"sentiment":"neutral","sentiment_score":0.23775650858879088},{"text":"Perfect.","start":2006.0249,"end":2006.4249,"sentiment":"positive","sentiment_score":0.5590308904647827},{"text":"I'll just refresh that on my end.","start":2006.4249,"end":2009.565,"sentiment":"neutral","sentiment_score":0.24352072392191207},{"text":"Now while I wait for that to come through, just recapping, I am sending you that record of advice to show you that investment switch.","start":2010.9049,"end":2017.485,"sentiment":"neutral","sentiment_score":0.10684725426137448}],"sentiment":"neutral","sentiment_score":0.1768115182236141,"num_words":49,"start":1994.5701,"end":2017.485},{"sentences":[{"text":"I'll also get the team to send you the information in regards through the will and some pricing along with the beneficiary forms for your super and insurances so that we can change it through the will so that you can give it to your mom if something were to happen to you.","start":2017.81,"end":2032.545,"sentiment":"neutral","sentiment_score":0.2507217124385654},{"text":"Now I have seen that that come through, which is perfect.","start":2033.745,"end":2036.145,"sentiment":"positive","sentiment_score":0.7754075743935325},{"text":"That was everything on my end.","start":2036.145,"end":2038.005,"sentiment":"positive","sentiment_score":0.6882996956507365},{"text":"Do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon?","start":2038.0651,"end":2044.405,"sentiment":"positive","sentiment_score":0.4216918218135834},{"text":"All good?","start":2046.0801,"end":2046.64,"sentiment":"positive","sentiment_score":0.5871386229991913}],"sentiment":"positive","sentiment_score":0.3882897427094351,"num_words":97,"start":2017.81,"end":2046.64},{"sentences":[{"text":"Perfect.","start":2046.64,"end":2047.14,"sentiment":"positive","sentiment_score":0.6805547475814819},{"text":"Like I said, if it is that you do wanna explore that investment bond or anything else further, we're always here.","start":2047.3601,"end":2052.48,"sentiment":"positive","sentiment_score":0.41765360888980685},{"text":"Just give us a call if there's anything that you do need.","start":2052.48,"end":2054.8,"sentiment":"neutral","sentiment_score":0.32788797716299695},{"text":"Okay?","start":2054.8,"end":2055.3,"sentiment":"neutral","sentiment_score":0.20231807231903076},{"text":"Okay.","start":2056.777,"end":2057.257,"sentiment":"positive","sentiment_score":0.4832826256752014}],"sentiment":"positive","sentiment_score":0.39087602661715615,"num_words":36,"start":2046.64,"end":2057.257},{"sentences":[{"text":"No problem at all.","start":2057.257,"end":2058.057,"sentiment":"positive","sentiment_score":0.7166836708784103},{"text":"I look forward to speaking with you soon again, and you enjoy the rest of your 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How's it going? I'm good. What's happening? Yep. Yep. I can have a chat. Yep. Cartoonshoe eleventh February nineteen ninety six. Yep. 2915 John Street, Kumra. Yep. Nope. I'm all good. Yes. Yep. Nope. Yep. Wait. Is the income including super or excluding super? Excluding super. Yeah. Just leave it at that. Yep. Oh, no. No. It's not including. It's about 100 55 including super. So Oh, that include that include overtime and stuff like that. Yep. It's very different. Put it this way. It's I'm always gonna I work fifty hours a week, so it's never gonna change. Yes. Yep. Yep. Maybe, like, 18,000 has went down a little bit. I think I'm sorry. I think that's all gone. Yep. Look. I haven't got it really valued. Real estate, the app, says $7.30, but mhmm. 198. Yeah. Just leave it that. No. No. Yep. Yep. Oh, I don't think I even done anything with it. Yep. Well, if you can send me a list of whatever need to be set it up, because at the end of the day, it's just gonna be me and my mom. And my mom is 68, so it's just between me and her. So which yep. Yep. Oh, it's just it is just me and my mom. I have one. I don't have any brother or sister. Oh, I have half brother, but it was, like, just me and my mom, so it's not well, there's no one else. Yep. Yep. When you call that? Wheel what? Wheel kit? From Yep. Yep. Yep. Yeah. Yeah. Just send it through. I think mine is pretty simple, though, as you have no one else outside. Mhmm. Wait. What? I have a a penance? Yeah. That's my mom. I just put her down. Yep. No. She's Yes. Mhmm. Mhmm. Yep. K. Yep. Yep. That's fine. Yeah. Look. That's just me and my mom, and she's never gonna need it. So Yep. Yep. Yeah. I do have a printer. Yep. Yep. Yep. You mean from overseas? I am a dual citizen, but, yeah, I'm not earning any money from overseas. No. Oh, which one did you have? Alright. Fair enough. Vietnamese. Yep. Yep. Yep. That's it. Question as well. If there's will if I'm like, if, let's say, I got my name on my mom's will and stuff like that or some sort of gift, does that play any part in this or not really? Yep. Yep. Yep. Yep. It was just the other way around. I was asking because you were asking if I'm earning money from overseas. It's more like if I got my my mom's including me in her will, does that do anything have to be listed in Yep. Yep. Yep. When I say little gift, it's not so much little gift. But, anyway, it's not like I was asking, like like, in they can send me, like, you know, like, wheels and gift and stuff. Like, not I I quite gift, but, like, let's say mom let's say she transferred me, like, a million dollar or whatever. That doesn't pay any part because it's all, like, wheels and stuff that doesn't play any part in my yeah. That was that was my question. So when I ask gift, it's, like, will and gift in, like, in the range of 100 to million or stuff like that. That's what my question was. Yep. Yep. Yep. Yep. Yeah. Pretty much better. I'm also spending too much money on traveling this year. But I'm just going to Perth. I've just go to Queenstown. I went to Perth in Easter. I went to Queenstown in like, last weekend, and I'm going to I don't I'm gonna take each trip in September. It started in Amsterdam and finished in London. Yep. Yep. That's it. Yeah. I think it was just more like I what I realized was that well, now the freaking federal budget came out. It's kinda I don't even know what I'm what I know was because I was I just trying to keep paying it down, but I was gonna buy another property anyway with cash, sort of with cash, and and make this investment. However, I didn't realize was because I paid it off so much, it's, like, always gonna be positive gearing now. So I was like, well, what's I don't really it's like, it make it worse. I by me keep paying it out, it kinda make it worse. But now the new the new freaking budget came out, so I don't even know. Yeah. Yep. Yep. Yep. Yep. Yeah. Well, one thing I one thing I was gonna look at was what do you call that? Five five. Okay. Generation wealth? Is that what you call it? The bought yeah. Generation Life. Yeah. The one where you put in and you got it after ten years. Yeah. Yep. Yep. Well, it look. Let let I'll be keen to look at it, but I don't think I'm gonna buy it this year. I was gonna buy it this year because I was gonna buy a property and then buy that because I wanna diversify it. But it's like anyway, it I'll keep I would definitely look at it because I know what I realized was the first year that you put in, you cannot put more than than, 10 I'm gonna say more than $2 or whatever the following year. So you always have to put the first one in, like, a massive chunk is what I've got out of it. Yes. Yeah. Yep. Yeah. Oh, so I don't wanna put more. Don't wanna put less than 50. Yeah. Mhmm. Yep. Mhmm. Yep. And you can't withdraw it. Yep. Yep. Yep. Oh, yeah. No. I've got I've got a friend who's doing it, and he was telling me about that. I was like, now that I think about the whole new types thingy, it's like, it'll be good. Like, it'll be good for me to know more about it. Yep. Yep. Yep. Mhmm. Yep. Oh, I I do wanna it was just more hours waiting for cash from overseas and the exchange cheap at the moment. So it's like depending on how much does that convert to oh, no. It's worse for me because the cash come from overseas, so it's like the dollar exchange is really bad. Yep. Yep. And, like, because I'm transferring transferring a buckles, I'm like, the different at the moment, you're talking to different, like, $400. So I'm like, oh, I'm not I'm not doing that then. Yep. Yep. Yep. Yep. Yep. High risk, high risk, high reward, high volatile, isn't it? So just leave it there. Yep. Yep. Yep. Yeah. I saw that. I only see your signature. Yep. Yep. I see Vanguard. I see twelve months. I did the currency. Yep. Yep. Yep. Super and yep. Yep. Yep. Yep. Yep. That should be fine. Yep. No. In accounting term, in bracket is negative. Right? Jesus. This the long the long equity is a bit it's going down a bit. Yep. Yep. Yep. Yep. Yes. Mhmm. Yep. Yep. Yep. Yep. Yep. I've heard of yeah. It's just another equity, even if, like, it just so oh, so ETF. So it's yep. Got it. Got it. Yep. Yep. Yep. Yep. Well, you guys well, you are the you are the adviser. So whatever you think is not suitable for next twelve months, then we'll go for it. Yep. Yep. Yep. Yep. Nope. That's all. Yeah. Yeah. I clicked sign document. So whatever this platform is bringing me to on consent a new ongoing fee arrangement, and then yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Done. Yep. Yep. Perfect. All good. Thank you. Yep. Thank you. You too. 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How's it going? I'm good. What's happening? Yep.\n\nYep. I can have a chat. Yep. Cartoonshoe eleventh February nineteen ninety six. Yep.\n\n2915 John Street, Kumra. Yep. Nope. I'm all good. Yes.\n\nYep. Nope. Yep. Wait. Is the income including super or excluding super?\n\nExcluding super. Yeah. Just leave it at that. Yep. Oh, no.\n\nNo. It's not including. It's about 100 55 including super. So Oh, that include that include overtime and stuff like that. Yep.\n\nIt's very different. Put it this way. It's I'm always gonna I work fifty hours a week, so it's never gonna change. Yes. Yep.\n\nYep. Maybe, like, 18,000 has went down a little bit. I think I'm sorry. I think that's all gone. Yep.\n\nLook. I haven't got it really valued. Real estate, the app, says $7.30, but mhmm. 198. Yeah.\n\nJust leave it that. No. No. Yep. Yep.\n\nOh, I don't think I even done anything with it. Yep. Well, if you can send me a list of whatever need to be set it up, because at the end of the day, it's just gonna be me and my mom. And my mom is 68, so it's just between me and her. So which yep.\n\nYep. Oh, it's just it is just me and my mom. I have one. I don't have any brother or sister. Oh, I have half brother, but it was, like, just me and my mom, so it's not well, there's no one else.\n\nYep. Yep. When you call that? Wheel what? Wheel kit?\n\nFrom Yep. Yep. Yep. Yeah. Yeah.\n\nJust send it through. I think mine is pretty simple, though, as you have no one else outside. Mhmm. Wait. What?\n\nI have a a penance? Yeah. That's my mom. I just put her down. Yep.\n\nNo. She's Yes. Mhmm. Mhmm. Yep.\n\nK. Yep. Yep. That's fine. Yeah.\n\nLook. That's just me and my mom, and she's never gonna need it. So Yep. Yep. Yeah.\n\nI do have a printer. Yep. Yep. Yep. You mean from overseas?\n\nI am a dual citizen, but, yeah, I'm not earning any money from overseas. No. Oh, which one did you have? Alright. Fair enough.\n\nVietnamese. Yep. Yep. Yep. That's it.\n\nQuestion as well. If there's will if I'm like, if, let's say, I got my name on my mom's will and stuff like that or some sort of gift, does that play any part in this or not really? Yep. Yep. Yep.\n\nYep. It was just the other way around. I was asking because you were asking if I'm earning money from overseas. It's more like if I got my my mom's including me in her will, does that do anything have to be listed in Yep. Yep.\n\nYep. When I say little gift, it's not so much little gift. But, anyway, it's not like I was asking, like like, in they can send me, like, you know, like, wheels and gift and stuff. Like, not I I quite gift, but, like, let's say mom let's say she transferred me, like, a million dollar or whatever. That doesn't pay any part because it's all, like, wheels and stuff that doesn't play any part in my yeah.\n\nThat was that was my question. So when I ask gift, it's, like, will and gift in, like, in the range of 100 to million or stuff like that. That's what my question was. Yep. Yep.\n\nYep. Yep. Yeah. Pretty much better. I'm also spending too much money on traveling this year.\n\nBut I'm just going to Perth. I've just go to Queenstown. I went to Perth in Easter. I went to Queenstown in like, last weekend, and I'm going to I don't I'm gonna take each trip in September. It started in Amsterdam and finished in London.\n\nYep. Yep. That's it. Yeah. I think it was just more like I what I realized was that well, now the freaking federal budget came out.\n\nIt's kinda I don't even know what I'm what I know was because I was I just trying to keep paying it down, but I was gonna buy another property anyway with cash, sort of with cash, and and make this investment. However, I didn't realize was because I paid it off so much, it's, like, always gonna be positive gearing now. So I was like, well, what's I don't really it's like, it make it worse. I by me keep paying it out, it kinda make it worse. But now the new the new freaking budget came out, so I don't even know.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. Well, one thing I one thing I was gonna look at was what do you call that? Five five. Okay. Generation wealth?\n\nIs that what you call it? The bought yeah. Generation Life. Yeah. The one where you put in and you got it after ten years.\n\nYeah. Yep. Yep. Well, it look. Let let I'll be keen to look at it, but I don't think I'm gonna buy it this year.\n\nI was gonna buy it this year because I was gonna buy a property and then buy that because I wanna diversify it. But it's like anyway, it I'll keep I would definitely look at it because I know what I realized was the first year that you put in, you cannot put more than than, 10 I'm gonna say more than $2 or whatever the following year. So you always have to put the first one in, like, a massive chunk is what I've got out of it. Yes. Yeah.\n\nYep. Yeah. Oh, so I don't wanna put more. Don't wanna put less than 50. Yeah.\n\nMhmm. Yep. Mhmm. Yep. And you can't withdraw it.\n\nYep. Yep. Yep. Oh, yeah. No.\n\nI've got I've got a friend who's doing it, and he was telling me about that. I was like, now that I think about the whole new types thingy, it's like, it'll be good. Like, it'll be good for me to know more about it. Yep. Yep.\n\nYep. Mhmm. Yep. Oh, I I do wanna it was just more hours waiting for cash from overseas and the exchange cheap at the moment. So it's like depending on how much does that convert to oh, no.\n\nIt's worse for me because the cash come from overseas, so it's like the dollar exchange is really bad. Yep. Yep. And, like, because I'm transferring transferring a buckles, I'm like, the different at the moment, you're talking to different, like, $400. So I'm like, oh, I'm not I'm not doing that then.\n\nYep. Yep. Yep. Yep. Yep.\n\nHigh risk, high risk, high reward, high volatile, isn't it? So just leave it there. Yep. Yep. Yep.\n\nYeah. I saw that. I only see your signature. Yep. Yep.\n\nI see Vanguard. I see twelve months. I did the currency. Yep. Yep.\n\nYep. Super and yep. Yep. Yep. Yep.\n\nYep. That should be fine. Yep. No. In accounting term, in bracket is negative.\n\nRight? Jesus. This the long the long equity is a bit it's going down a bit. Yep. Yep.\n\nYep. Yep. Yes. Mhmm. Yep.\n\nYep. Yep. Yep. Yep. I've heard of yeah.\n\nIt's just another equity, even if, like, it just so oh, so ETF. So it's yep. Got it. Got it. Yep.\n\nYep. Yep. Yep. Well, you guys well, you are the you are the adviser. So whatever you think is not suitable for next twelve months, then we'll go for it.\n\nYep. Yep. Yep. Yep. Nope.\n\nThat's all. Yeah. Yeah. I clicked sign document. So whatever this platform is bringing me to on consent a new ongoing fee arrangement, and then yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nDone. Yep. Yep. Perfect. All good.\n\nThank you. Yep. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":0.56,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.13960705697536469},{"text":"How's it going?","start":0.79999995,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.2070014774799347},{"text":"I'm good.","start":3.76,"end":4.4,"sentiment":"positive","sentiment_score":0.5365194082260132},{"text":"What's happening?","start":4.4,"end":5.14,"sentiment":"neutral","sentiment_score":0.2578306049108505},{"text":"Yep.","start":9.599999,"end":10.099999,"sentiment":"neutral","sentiment_score":0.14393913745880127}],"sentiment":"neutral","sentiment_score":0.27702785034974414,"num_words":9,"start":0.56,"end":10.099999},{"sentences":[{"text":"Yep.","start":14.965,"end":15.365,"sentiment":"neutral","sentiment_score":0.11776572465896606},{"text":"I can have a chat.","start":15.445,"end":16.585,"sentiment":"neutral","sentiment_score":0.13592132031917573},{"text":"Yep.","start":29.269999,"end":29.769999,"sentiment":"neutral","sentiment_score":0.1449701339006424},{"text":"Cartoonshoe eleventh February nineteen ninety six.","start":40.309998,"end":42.975,"sentiment":"neutral","sentiment_score":0.01572831782201926},{"text":"Yep.","start":45.774998,"end":46.274998,"sentiment":"neutral","sentiment_score":0.05339699983596802}],"sentiment":"neutral","sentiment_score":0.07786495478025504,"num_words":14,"start":14.965,"end":46.274998},{"sentences":[{"text":"2915 John Street, Kumra.","start":48.815,"end":50.754997,"sentiment":"neutral","sentiment_score":0.009646872291341424},{"text":"Yep.","start":64.25,"end":64.75,"sentiment":"neutral","sentiment_score":0.04125938192009926},{"text":"Nope.","start":78.425,"end":78.825005,"sentiment":"neutral","sentiment_score":-0.012368671596050262},{"text":"I'm all good.","start":78.825005,"end":79.645004,"sentiment":"neutral","sentiment_score":0.083280964444081},{"text":"Yes.","start":101.295,"end":101.795,"sentiment":"neutral","sentiment_score":0.05914270877838135}],"sentiment":"neutral","sentiment_score":0.0376463801600039,"num_words":10,"start":48.815,"end":101.795},{"sentences":[{"text":"Yep.","start":111.15,"end":111.65,"sentiment":"neutral","sentiment_score":0.040530502796173096},{"text":"Nope.","start":116.03,"end":116.53,"sentiment":"neutral","sentiment_score":-0.05835524946451187},{"text":"Yep.","start":120.905,"end":121.405,"sentiment":"neutral","sentiment_score":0.05846279487013817},{"text":"Wait.","start":128.905,"end":129.405,"sentiment":"neutral","sentiment_score":0.002211582846939564},{"text":"Is the income including super or excluding super?","start":129.625,"end":132.285,"sentiment":"neutral","sentiment_score":-0.004732258094009012}],"sentiment":"neutral","sentiment_score":0.00041596385805557173,"num_words":12,"start":111.15,"end":132.285},{"sentences":[{"text":"Excluding super.","start":136.44,"end":137.66,"sentiment":"neutral","sentiment_score":-0.0397825688123703},{"text":"Yeah.","start":138.6,"end":138.92,"sentiment":"neutral","sentiment_score":0.03343891352415085},{"text":"Just leave it at that.","start":138.92,"end":140.14,"sentiment":"neutral","sentiment_score":0.0387025848031044},{"text":"Yep.","start":141.64,"end":142.14,"sentiment":"neutral","sentiment_score":0.17142543196678162},{"text":"Oh, no.","start":146.145,"end":146.465,"sentiment":"neutral","sentiment_score":-0.057809362187981606}],"sentiment":"neutral","sentiment_score":0.01847212795506824,"num_words":11,"start":136.44,"end":146.465},{"sentences":[{"text":"No.","start":146.465,"end":146.625,"sentiment":"neutral","sentiment_score":-0.1654909998178482},{"text":"It's not including.","start":146.625,"end":147.685,"sentiment":"neutral","sentiment_score":-0.11626580854256947},{"text":"It's about 100 55 including super.","start":149.425,"end":151.745,"sentiment":"neutral","sentiment_score":0.033395590260624886},{"text":"So Oh, that include that include overtime and stuff like that.","start":151.745,"end":164.6,"sentiment":"neutral","sentiment_score":0.018422321670434692},{"text":"Yep.","start":166.82,"end":167.32,"sentiment":"neutral","sentiment_score":0.03659359738230705}],"sentiment":"neutral","sentiment_score":-0.003394352187487212,"num_words":22,"start":146.465,"end":167.32},{"sentences":[{"text":"It's very different.","start":172.90001,"end":174.02,"sentiment":"neutral","sentiment_score":-0.04434106002251307},{"text":"Put it this way.","start":174.02,"end":174.74,"sentiment":"neutral","sentiment_score":0.004545098170638084},{"text":"It's I'm always gonna I work fifty hours a week, so it's never gonna change.","start":174.74,"end":179.60501,"sentiment":"neutral","sentiment_score":0.010313739938040575},{"text":"Yes.","start":192.92,"end":193.42,"sentiment":"neutral","sentiment_score":0.16460838913917542},{"text":"Yep.","start":216.78,"end":217.28,"sentiment":"neutral","sentiment_score":0.08204483240842819}],"sentiment":"neutral","sentiment_score":0.011938188884717723,"num_words":24,"start":172.90001,"end":217.28},{"sentences":[{"text":"Yep.","start":227.65999,"end":228.15999,"sentiment":"neutral","sentiment_score":0.03249860927462578},{"text":"Maybe, like, 18,000 has went down a little bit.","start":228.93999,"end":231.225,"sentiment":"neutral","sentiment_score":-0.10253597795963287},{"text":"I think I'm sorry.","start":240.505,"end":241.96501,"sentiment":"neutral","sentiment_score":-0.21125361323356628},{"text":"I think that's all gone.","start":242.18501,"end":243.24,"sentiment":"negative","sentiment_score":-0.3540201783180237},{"text":"Yep.","start":244.84001,"end":245.34001,"sentiment":"neutral","sentiment_score":-0.030150167644023895}],"sentiment":"neutral","sentiment_score":-0.17677953522652387,"num_words":20,"start":227.65999,"end":245.34001},{"sentences":[{"text":"Look.","start":258.135,"end":258.375,"sentiment":"neutral","sentiment_score":-0.22382184863090515},{"text":"I haven't got it really valued.","start":258.375,"end":259.915,"sentiment":"negative","sentiment_score":-0.3966604173183441},{"text":"Real estate, the app, says $7.30, but mhmm.","start":260.055,"end":269.275,"sentiment":"neutral","sentiment_score":-0.10941079631447792},{"text":"198.","start":274.94,"end":276.24002,"sentiment":"neutral","sentiment_score":0.06112004071474075},{"text":"Yeah.","start":285.18002,"end":285.58002,"sentiment":"neutral","sentiment_score":0.07636450231075287}],"sentiment":"neutral","sentiment_score":-0.19656389294301763,"num_words":17,"start":258.135,"end":285.58002},{"sentences":[{"text":"Just leave it that.","start":285.58002,"end":286.515,"sentiment":"neutral","sentiment_score":0.06647614762187004},{"text":"No.","start":292.515,"end":293.015,"sentiment":"neutral","sentiment_score":0.03871065378189087},{"text":"No.","start":300.035,"end":300.33,"sentiment":"neutral","sentiment_score":0.013425003737211227},{"text":"Yep.","start":300.88998,"end":301.38998,"sentiment":"neutral","sentiment_score":0.04972822591662407},{"text":"Yep.","start":307.53,"end":308.03,"sentiment":"neutral","sentiment_score":0.08408187329769135}],"sentiment":"neutral","sentiment_score":0.05648129340261221,"num_words":8,"start":285.58002,"end":308.03},{"sentences":[{"text":"Oh, I don't think I even done anything with it.","start":326.16,"end":331.62,"sentiment":"neutral","sentiment_score":-0.1530820567160845},{"text":"Yep.","start":348.265,"end":348.765,"sentiment":"neutral","sentiment_score":0.13441185653209686},{"text":"Well, if you can send me a list of whatever need to be set it up, because at the end of the day, it's just gonna be me and my mom.","start":348.825,"end":354.905,"sentiment":"neutral","sentiment_score":0.11385604967513392},{"text":"And my mom is 68, so it's just between me and her.","start":354.905,"end":358.24,"sentiment":"neutral","sentiment_score":0.0630332576110959},{"text":"So which yep.","start":359.02,"end":366.96,"sentiment":"neutral","sentiment_score":0.0022656160096327462}],"sentiment":"neutral","sentiment_score":0.05081271523969215,"num_words":57,"start":326.16,"end":366.96},{"sentences":[{"text":"Yep.","start":374.565,"end":375.065,"sentiment":"neutral","sentiment_score":-0.01839529164135456},{"text":"Oh, it's just it is just me and my mom.","start":384.31,"end":387.03,"sentiment":"neutral","sentiment_score":-0.03753987941890955},{"text":"I have one.","start":387.03,"end":388.15,"sentiment":"neutral","sentiment_score":-0.024822377910216648},{"text":"I don't have any brother or sister.","start":388.15,"end":389.77,"sentiment":"neutral","sentiment_score":-0.1414412558078766},{"text":"Oh, I have half brother, but it was, like, just me and my mom, so it's not well, there's no one else.","start":389.99,"end":396.49,"sentiment":"neutral","sentiment_score":-0.11784163083542477}],"sentiment":"neutral","sentiment_score":-0.09420618345571119,"num_words":43,"start":374.565,"end":396.49},{"sentences":[{"text":"Yep.","start":408.125,"end":408.625,"sentiment":"neutral","sentiment_score":0.2118220329284668},{"text":"Yep.","start":409.005,"end":409.41,"sentiment":"neutral","sentiment_score":0.3066633641719818},{"text":"When you call that?","start":429.98502,"end":431.045,"sentiment":"neutral","sentiment_score":0.023126723244786263},{"text":"Wheel what?","start":431.265,"end":432.24503,"sentiment":"neutral","sentiment_score":0.006814588094130158},{"text":"Wheel kit?","start":432.30502,"end":433.045,"sentiment":"neutral","sentiment_score":0.00870258454233408}],"sentiment":"neutral","sentiment_score":0.06420266353525221,"num_words":10,"start":408.125,"end":433.045},{"sentences":[{"text":"From Yep.","start":437.74503,"end":445.25,"sentiment":"neutral","sentiment_score":0.11413871590048075},{"text":"Yep.","start":452.91498,"end":453.41498,"sentiment":"neutral","sentiment_score":-0.026573386043310165},{"text":"Yep.","start":464.435,"end":464.82,"sentiment":"neutral","sentiment_score":0.0631110742688179},{"text":"Yeah.","start":470.42,"end":470.74002,"sentiment":"neutral","sentiment_score":0.0937422513961792},{"text":"Yeah.","start":470.74002,"end":471.24002,"sentiment":"neutral","sentiment_score":0.07217928022146225}],"sentiment":"neutral","sentiment_score":0.07178944194068511,"num_words":6,"start":437.74503,"end":471.24002},{"sentences":[{"text":"Just send it through.","start":471.30002,"end":472.44,"sentiment":"neutral","sentiment_score":0.08213368337601423},{"text":"I think mine is pretty simple, though, as you have no one else outside.","start":472.98,"end":476.84,"sentiment":"neutral","sentiment_score":0.19651431377444947},{"text":"Mhmm.","start":483.215,"end":483.715,"sentiment":"neutral","sentiment_score":0.04096921533346176},{"text":"Wait.","start":501.72,"end":501.96,"sentiment":"neutral","sentiment_score":-0.06607982516288757},{"text":"What?","start":501.96,"end":502.12,"sentiment":"neutral","sentiment_score":-0.13571038842201233}],"sentiment":"neutral","sentiment_score":0.13899591086166246,"num_words":21,"start":471.30002,"end":502.12},{"sentences":[{"text":"I have a a penance?","start":502.12,"end":503.34,"sentiment":"neutral","sentiment_score":-0.20021048933267593},{"text":"Yeah.","start":515.465,"end":515.625,"sentiment":"neutral","sentiment_score":0.01237217802554369},{"text":"That's my mom.","start":515.625,"end":516.34503,"sentiment":"neutral","sentiment_score":0.0034683232928121774},{"text":"I just put her down.","start":516.34503,"end":517.565,"sentiment":"neutral","sentiment_score":-0.0012938905507326125},{"text":"Yep.","start":519.78503,"end":520.14,"sentiment":"neutral","sentiment_score":0.03931244462728501}],"sentiment":"neutral","sentiment_score":-0.06302882045905184,"num_words":15,"start":502.12,"end":520.14},{"sentences":[{"text":"No.","start":527.10004,"end":527.58,"sentiment":"neutral","sentiment_score":-0.10357125103473663},{"text":"She's Yes.","start":527.58,"end":566.015,"sentiment":"neutral","sentiment_score":0.011073745787143707},{"text":"Mhmm.","start":579.03503,"end":579.24255,"sentiment":"neutral","sentiment_score":0.005572855938225985},{"text":"Mhmm.","start":579.24255,"end":579.45,"sentiment":"neutral","sentiment_score":0.00790364295244217},{"text":"Yep.","start":621.175,"end":621.675,"sentiment":"neutral","sentiment_score":0.04157523810863495}],"sentiment":"neutral","sentiment_score":-0.004395337076857686,"num_words":6,"start":527.10004,"end":621.675},{"sentences":[{"text":"K.","start":626.135,"end":626.635,"sentiment":"neutral","sentiment_score":-0.09952660650014876},{"text":"Yep.","start":628.295,"end":628.795,"sentiment":"neutral","sentiment_score":0.05296159908175469},{"text":"Yep.","start":630.295,"end":630.795,"sentiment":"neutral","sentiment_score":0.09655724465847015},{"text":"That's fine.","start":631.05,"end":631.52997,"sentiment":"neutral","sentiment_score":0.2128589227795601},{"text":"Yeah.","start":631.52997,"end":631.85,"sentiment":"neutral","sentiment_score":0.273396372795105}],"sentiment":"neutral","sentiment_score":0.12485107593238354,"num_words":6,"start":626.135,"end":631.85},{"sentences":[{"text":"Look.","start":631.85,"end":632.25,"sentiment":"positive","sentiment_score":0.4247567057609558},{"text":"That's just me and my mom, and she's never gonna need it.","start":632.25,"end":635.21,"sentiment":"neutral","sentiment_score":0.2898059158275525},{"text":"So Yep.","start":635.21,"end":641.55,"sentiment":"neutral","sentiment_score":0.06550092156976461},{"text":"Yep.","start":646.315,"end":646.815,"sentiment":"neutral","sentiment_score":0.03987085819244385},{"text":"Yeah.","start":649.195,"end":649.435,"sentiment":"neutral","sentiment_score":0.11348173767328262}],"sentiment":"neutral","sentiment_score":0.24628130204099066,"num_words":17,"start":631.85,"end":649.435},{"sentences":[{"text":"I do have a printer.","start":649.435,"end":650.415,"sentiment":"neutral","sentiment_score":0.12040909528732299},{"text":"Yep.","start":655.595,"end":656.095,"sentiment":"positive","sentiment_score":0.33488398790359497},{"text":"Yep.","start":666.18,"end":666.68,"sentiment":"neutral","sentiment_score":0.20693831145763397},{"text":"Yep.","start":671.93994,"end":672.43994,"sentiment":"neutral","sentiment_score":0.12470807880163191},{"text":"You mean from overseas?","start":683.535,"end":684.675,"sentiment":"neutral","sentiment_score":-0.02411661297082901}],"sentiment":"neutral","sentiment_score":0.09767578355967999,"num_words":12,"start":649.435,"end":684.675},{"sentences":[{"text":"I am a dual citizen, but, yeah, I'm not earning any money from overseas.","start":691.19,"end":694.31,"sentiment":"neutral","sentiment_score":-0.09595530879284654},{"text":"No.","start":694.31,"end":694.81,"sentiment":"neutral","sentiment_score":-0.13541898131370544},{"text":"Oh, which one did you have?","start":700.31,"end":703.315,"sentiment":"neutral","sentiment_score":-0.007838495075702667},{"text":"Alright.","start":704.335,"end":704.815,"sentiment":"neutral","sentiment_score":0.03471750766038895},{"text":"Fair enough.","start":704.815,"end":705.555,"sentiment":"neutral","sentiment_score":0.05706886015832424}],"sentiment":"neutral","sentiment_score":-0.05737371028711399,"num_words":24,"start":691.19,"end":705.555},{"sentences":[{"text":"Vietnamese.","start":708.255,"end":708.755,"sentiment":"neutral","sentiment_score":0.014156420715153216},{"text":"Yep.","start":711.055,"end":711.555,"sentiment":"positive","sentiment_score":0.4477035701274872},{"text":"Yep.","start":717.32,"end":717.82,"sentiment":"neutral","sentiment_score":-0.011048367246985435},{"text":"Yep.","start":720.44,"end":720.94,"sentiment":"neutral","sentiment_score":0.012309505604207516},{"text":"That's it.","start":723.32,"end":724.12,"sentiment":"neutral","sentiment_score":0.014255112037062645}],"sentiment":"neutral","sentiment_score":0.08193855887899797,"num_words":6,"start":708.255,"end":724.12},{"sentences":[{"text":"Question as well.","start":724.12,"end":725.0,"sentiment":"neutral","sentiment_score":-0.012176791826883951},{"text":"If there's will if I'm like, if, let's say, I got my name on my mom's will and stuff like that or some sort of gift, does that play any part in this or not really?","start":725.0,"end":740.02496,"sentiment":"neutral","sentiment_score":-0.051349892591436706},{"text":"Yep.","start":742.2,"end":742.7,"sentiment":"neutral","sentiment_score":0.08584411442279816},{"text":"Yep.","start":749.6925,"end":750.1925,"sentiment":"neutral","sentiment_score":-0.04118311032652855},{"text":"Yep.","start":765.185,"end":765.685,"sentiment":"neutral","sentiment_score":0.2162457704544067}],"sentiment":"neutral","sentiment_score":-0.038671898433849924,"num_words":42,"start":724.12,"end":765.685},{"sentences":[{"text":"Yep.","start":771.16003,"end":771.66003,"sentiment":"neutral","sentiment_score":0.08729618042707443},{"text":"It was just the other way around.","start":774.2,"end":775.80005,"sentiment":"neutral","sentiment_score":-0.008688045399529594},{"text":"I was asking because you were asking if I'm earning money from overseas.","start":775.80005,"end":778.94,"sentiment":"neutral","sentiment_score":-0.006217548301300177},{"text":"It's more like if I got my my mom's including me in her will, does that do anything have to be listed in Yep.","start":779.48004,"end":803.38,"sentiment":"neutral","sentiment_score":-0.014909968973370269},{"text":"Yep.","start":803.38,"end":803.88,"sentiment":"neutral","sentiment_score":0.1917651891708374}],"sentiment":"neutral","sentiment_score":-0.00479178981470835,"num_words":46,"start":771.16003,"end":803.88},{"sentences":[{"text":"Yep.","start":822.795,"end":823.295,"sentiment":"neutral","sentiment_score":0.05853727087378502},{"text":"When I say little gift, it's not so much little gift.","start":828.02997,"end":830.27,"sentiment":"neutral","sentiment_score":-0.08394139734181491},{"text":"But, anyway, it's not like I was asking, like like, in they can send me, like, you know, like, wheels and gift and stuff.","start":830.27,"end":843.23505,"sentiment":"neutral","sentiment_score":-0.22133867520218095},{"text":"Like, not I I quite gift, but, like, let's say mom let's say she transferred me, like, a million dollar or whatever.","start":843.23505,"end":849.815,"sentiment":"neutral","sentiment_score":-0.17783909358761527},{"text":"That doesn't pay any part because it's all, like, wheels and stuff that doesn't play any part in my yeah.","start":850.03503,"end":857.68005,"sentiment":"neutral","sentiment_score":-0.282968370243907}],"sentiment":"neutral","sentiment_score":-0.20190735600697687,"num_words":78,"start":822.795,"end":857.68005},{"sentences":[{"text":"That was that was my question.","start":857.68005,"end":859.14,"sentiment":"neutral","sentiment_score":-0.0013839146122336381},{"text":"So when I ask gift, it's, like, will and gift in, like, in the range of 100 to million or stuff like that.","start":861.2,"end":867.44,"sentiment":"neutral","sentiment_score":0.056678705079400024},{"text":"That's what my question was.","start":867.44,"end":868.98004,"sentiment":"neutral","sentiment_score":0.04138677641749382},{"text":"Yep.","start":873.485,"end":873.985,"sentiment":"positive","sentiment_score":0.4046657681465149},{"text":"Yep.","start":896.08,"end":896.58,"sentiment":"neutral","sentiment_score":0.11604680866003036}],"sentiment":"neutral","sentiment_score":0.05619314411241147,"num_words":36,"start":857.68005,"end":896.58},{"sentences":[{"text":"Yep.","start":904.455,"end":904.955,"sentiment":"neutral","sentiment_score":0.11186032742261888},{"text":"Yep.","start":907.09503,"end":907.59503,"sentiment":"neutral","sentiment_score":0.0695987418293953},{"text":"Yeah.","start":909.895,"end":910.215,"sentiment":"neutral","sentiment_score":0.1215985268354416},{"text":"Pretty much 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all.","start":1896.495,"end":1897.155,"sentiment":"neutral","sentiment_score":0.00005647540092468262},{"text":"Yeah.","start":1916.1001,"end":1916.6001,"sentiment":"neutral","sentiment_score":0.20299170911312103},{"text":"Yeah.","start":1932.0651,"end":1932.385,"sentiment":"neutral","sentiment_score":0.10314478725194932},{"text":"I clicked sign document.","start":1932.385,"end":1933.685,"sentiment":"neutral","sentiment_score":0.09821774251759052},{"text":"So whatever this platform is bringing me to on consent a new ongoing fee arrangement, and then 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good.","start":2044.95,"end":2045.6699,"sentiment":"positive","sentiment_score":0.6478082835674286}],"sentiment":"positive","sentiment_score":0.5083441932996114,"num_words":6,"start":2004.45,"end":2045.6699},{"sentences":[{"text":"Thank you.","start":2045.6699,"end":2046.4099,"sentiment":"positive","sentiment_score":0.7130149006843567},{"text":"Yep.","start":2055.877,"end":2056.197,"sentiment":"neutral","sentiment_score":0.3062836527824402},{"text":"Thank you.","start":2056.197,"end":2056.857,"sentiment":"positive","sentiment_score":0.696684867143631},{"text":"You too.","start":2061.717,"end":2062.277,"sentiment":"positive","sentiment_score":0.4671872556209564},{"text":"Bye.","start":2062.277,"end":2062.777,"sentiment":"neutral","sentiment_score":0.32442861795425415}],"sentiment":"positive","sentiment_score":0.5480607897043228,"num_words":8,"start":2045.6699,"end":2062.777}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey. How's it going?\n\nChannel 0: Yeah. Good. How are you?\n\nChannel 1: I'm good. What's happening?\n\nChannel 0: This is Veronica from OC Financial in case you didn't know.\n\nChannel 1: Yep.\n\nChannel 0: But I had you booked in for your under review. Is now still a good time for you?\n\nChannel 1: Yep. I can have a chat.\n\nChannel 0: Okay. Perfect. I'll try to make it quick if you are quite busy. But before I do kind of jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Cartoonshoe eleventh February nineteen ninety six.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And this address as well. Sorry.\n\nChannel 1: 2915 John Street, Kumra.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now I know my colleague, Whitlam told me that you are quite short for time, obviously, with work, so I will try and make it as quickly as I can for you.\n\nChannel 1: Yep.\n\nChannel 0: But before I do kind of jump in, I do like to start the under review by asking if there is any specific that you would like me to focus on or any questions or anything that you need help with before I do kind of jump in through the the other side of it?\n\nChannel 1: Nope. I'm all good.\n\nChannel 0: Okay. Perfect. Now the first thing I will run through is just a bit of an updated fax line. I'll try to make it as quick as possible just to see if there is any major changes that has happened for you because that what that will, allow me to do is see if we need to make any changes or tweaks for any of your advice and making sure it's still appropriate and aligned with your goals.\n\nChannel 1: Yes.\n\nChannel 0: So bear with me as I go through this information. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Occupation wise, has anything changed or still\n\nChannel 1: Nope.\n\nChannel 0: working as a civil engineer meeting? Income at about 135,000.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Assets, I have here some stocks at about 21,000,\n\nChannel 1: Wait. Is the income including super or excluding super?\n\nChannel 0: excluding super.\n\nChannel 1: Excluding super. Yeah. Just leave it at that.\n\nChannel 0: Sure.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Because if it is including, I can just do the math afterwards, and I'll just\n\nChannel 1: Oh,\n\nChannel 0: note\n\nChannel 1: no. No.\n\nChannel 0: it\n\nChannel 1: It's\n\nChannel 0: down.\n\nChannel 1: not including.\n\nChannel 0: Okay. Alright. I'll\n\nChannel 1: It's\n\nChannel 0: just\n\nChannel 1: about\n\nChannel 0: leave it\n\nChannel 1: 100\n\nChannel 0: up.\n\nChannel 1: 55 including super. So\n\nChannel 0: Okay. I'll just note a 155 including super. Now is that you get paid bonuses over time or anything like that or just like\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: base\n\nChannel 1: include\n\nChannel 0: pay?\n\nChannel 1: that include overtime and stuff like that.\n\nChannel 0: That includes overtime?\n\nChannel 1: Yep.\n\nChannel 0: Do you have just your your base pay without overtime?\n\nChannel 1: It's very different. Put it this way. It's I'm always gonna I work fifty hours a week, so it's\n\nChannel 0: Okay.\n\nChannel 1: never\n\nChannel 0: It's\n\nChannel 1: gonna\n\nChannel 0: like,\n\nChannel 1: change.\n\nChannel 0: right. Yeah. Okay. The reason I do ask is, typically, your employer, if you have if you earn a bonus, they will pay super contributions on that, with over time, they don't.\n\nChannel 1: Yes.\n\nChannel 0: So it is good if you have some indication of your base pay just so I can make sure that the right contributions from your employer are getting paid. But if you don't have it, that's okay. We can leave it, and I'll just make a note to say that the $1.55 includes super and overtime, and it does fluctuate quite a bit based on your hours.\n\nChannel 1: Yep.\n\nChannel 0: K. Perfect. Now asset wise, I have some stocks at about 21,000.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound about\n\nChannel 1: Maybe,\n\nChannel 0: right?\n\nChannel 1: like, 18,000 has went down a little bit.\n\nChannel 0: Yes. Bit of bit of fluctuations in the market the last twelve months. Crypto, about 5,000.\n\nChannel 1: I think I'm sorry. I think that's all gone.\n\nChannel 0: That's all gone? Okay.\n\nChannel 1: Yep.\n\nChannel 0: I'll just remove that. Your property at about 570,000, or do you know if that's increased at all?\n\nChannel 1: Look. I haven't got it really valued. Real estate, the app, says $7.30, but\n\nChannel 0: 7 around that. Okay. That's a nice increase, though.\n\nChannel 1: mhmm.\n\nChannel 0: And mortgage at about $2.20.\n\nChannel 1: 198.\n\nChannel 0: Oh, nice. 198. I also have here a motor vehicle of about 10,000.\n\nChannel 1: Yeah. Just leave it that.\n\nChannel 0: Yep. Okay. Any other new assets or any liabilities or anything that's changed otherwise?\n\nChannel 1: No.\n\nChannel 0: Alright. Perfect. Health and lifestyle, I have you down here as a nonsmoker with no significant health issues. Is that correct?\n\nChannel 1: No. Yep.\n\nChannel 0: Perfect. Do you have private health insurance? Yeah. And that includes hospital as well?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. That's good. Especially with your income being a high income earner, you don't wanna pay additional tax if you don't have it. Estate planning wise, I have here that last time we spoke to you during the interview, it was on your to do list to get a will sorted.\n\nHow did you go with that? Is that still kind of on the to\n\nChannel 1: Oh,\n\nChannel 0: do list, or did you manage to get one sorted?\n\nChannel 1: I don't think I even done anything with it.\n\nChannel 0: That's okay. What I can do is completely up to you which way you want to go. I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful. Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: That\n\nChannel 1: Well,\n\nChannel 0: way when you do\n\nChannel 1: if you can send\n\nChannel 0: yeah.\n\nChannel 1: me a list of whatever need to be set it up, because at the end of the day, it's just gonna be me and my mom. And my mom is 68, so it's just between me and her. So\n\nChannel 0: So is that for your your will?\n\nChannel 1: which\n\nChannel 0: Sorry. Because, obviously, through a will, you'd have to deal with through a lawyer.\n\nChannel 1: yep.\n\nChannel 0: But I can send you some just like a brochure and information of a firm that we work with. Now you don't\n\nChannel 1: Yep.\n\nChannel 0: have to get a will through a lawyer. That is obviously the most comprehensive way. But depending on if your estate is quite simple, like you said, if it's not too complex,\n\nChannel 1: Oh, it's\n\nChannel 0: Some\n\nChannel 1: just\n\nChannel 0: people\n\nChannel 1: it is just\n\nChannel 0: yep.\n\nChannel 1: me and my mom. I have one. I don't have any brother or sister. Oh, I have\n\nChannel 0: Okay.\n\nChannel 1: half brother, but\n\nChannel 0: Okay.\n\nChannel 1: it was, like, just\n\nChannel 0: Yeah.\n\nChannel 1: me and my mom, so it's not well, there's no\n\nChannel 0: Yep.\n\nChannel 1: one else.\n\nChannel 0: Yeah. No. So what some people do as well and, again, it is completely up to you if you don't wanna go through the lawyer. You can even just go down to the post office. They do, like, little will kits,\n\nChannel 1: Yep. Yep.\n\nChannel 0: which can be a more affordable option. The only thing to be mindful of with that is just reading the instructions carefully and make sure you do complete it correctly. So if something ever were to have happen, it does hold up in court if need be. You're more than welcome to email me a copy if you would like us to keep it on file for you,\n\nChannel 1: When you\n\nChannel 0: but\n\nChannel 1: call\n\nChannel 0: it\n\nChannel 1: that?\n\nChannel 0: is obviously\n\nChannel 1: Wheel what? Wheel kit?\n\nChannel 0: a will kit. Yeah.\n\nChannel 1: From\n\nChannel 0: And there are just from, like, a off post. You can usually get one. Yeah. Which is a\n\nChannel 1: Yep.\n\nChannel 0: lot cheaper. Yep. And sometimes there are even, like, free online ones. Just be careful because some of their t's and c's and some\n\nChannel 1: Yep.\n\nChannel 0: of them can be a bit, cheeky. So just have a have a bit of a read over it. But, yeah, otherwise, the will kit is a good option if you don't wanna go through, like, the the lawyer side.\n\nChannel 1: Yep.\n\nChannel 0: Would you like us to still send you the information in regards to, like, the will through the lawyer, or you're\n\nChannel 1: Yeah.\n\nChannel 0: good?\n\nChannel 1: Yeah. Just\n\nChannel 0: Still\n\nChannel 1: send it through.\n\nChannel 0: okay. Yep.\n\nChannel 1: I think\n\nChannel 0: Perfect.\n\nChannel 1: mine is pretty simple, though, as you have no one else outside.\n\nChannel 0: Yeah. Yeah. Perfect. That way, at least you have it if anything ever were to change. Now\n\nChannel 1: Mhmm.\n\nChannel 0: while we are talking about estate planning, I can see here that we have a nomination for your superannuation, and it is noted out as an other dependent. Do you know the relationship for that person to you?\n\nChannel 1: Wait. What? I have a a penance?\n\nChannel 0: It's so on your beneficiary form, so you have noted down now apologies because I'm probably not gonna pronounce this name correctly. But Nguyen?\n\nChannel 1: Yeah. That's my mom. I just put\n\nChannel 0: Yeah.\n\nChannel 1: her down.\n\nChannel 0: Okay. So that's your mom?\n\nChannel 1: Yep.\n\nChannel 0: Now with your mom, does she live with you?\n\nChannel 1: No. She's\n\nChannel 0: No. Okay. Does she okay. So with superannuation, they do make it quite tricky in who you can actually nominate directly through superannuation. So there are a lot of rules and legislation in place with that.\n\nSo you still very much can give it to your mom, but that is no problem. We would just have to change the way that it's structured, which is a little bit of a tedious process, but it is at least the way you can give it to her because I have so many clients who it's like, well, if I were to give it to a nephew and niece or my parents, brother and sister, how do I do that? So\n\nChannel 1: Yes.\n\nChannel 0: to make a direct nomination, the only ones that are technically valid is a spouse or child, a financial dependent, or if you are in a interdependency relationship. Essentially,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: what that means is someone who must remain financially dependent on you at the time of your passing. You need to have a close relationship while living together and providing financial domestic and personal care support. So if your mom doesn't fall into that category, the way that we would change it is that on the form, we would change it to a 100% being to your legal personal representative. Basically, that is a fancy word for reverting back to your will. Then in your will, you can stipulate that you would like it to go to you would like your superannuation and insurances to go to your mom.\n\nChannel 1: Yep.\n\nChannel 0: The the only reason we have to do it this way is because superanninsurances does not form\n\nChannel 1: K.\n\nChannel 0: part of your estate.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep. That's\n\nChannel 0: Okay.\n\nChannel 1: fine. Yeah. Look.\n\nChannel 0: Perfect.\n\nChannel 1: That's just me and my mom, and she's never gonna need it. So\n\nChannel 0: Yeah. But in the event you rather have something in place if\n\nChannel 1: Yep.\n\nChannel 0: something ever were to happen now do you have access to a printer at all, or would you like us\n\nChannel 1: Yep.\n\nChannel 0: to post these out to you?\n\nChannel 1: Yeah. I do have a printer.\n\nChannel 0: Printer. Okay. So what I might do, if you're happy with that, is I'll just get the team to email you a copy\n\nChannel 1: Yep.\n\nChannel 0: of the super and the insurance form. That way, when you have a moment, just print them out, complete it, scan it, and send it back, and we will get that all sorted for you.\n\nChannel 1: Yep.\n\nChannel 0: And then, obviously, when you have a sec, have a look at that will as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. Now, otherwise, do you are you politically exposed to earn an income overseas at all?\n\nChannel 1: You mean from overseas?\n\nChannel 0: Yeah. Do you earn, like, a income are you a tax resident in any foreign jurisdiction?\n\nChannel 1: I am a dual citizen, but, yeah, I'm not earning any money from overseas. No.\n\nChannel 0: No. No. That's okay. I'm the same. I have dual citizenship, but I don't earn income overseas.\n\nSo,\n\nChannel 1: Oh,\n\nChannel 0: no, that is\n\nChannel 1: which\n\nChannel 0: all\n\nChannel 1: one\n\nChannel 0: good.\n\nChannel 1: did you\n\nChannel 0: I'm Swedish.\n\nChannel 1: have? Alright. Fair enough.\n\nChannel 0: Yeah. What about you?\n\nChannel 1: Vietnamese.\n\nChannel 0: Oh, yeah. Nice. It's nice\n\nChannel 1: Yep.\n\nChannel 0: that at least the countries allow it because I have so many friends. Different parts of Europe don't do it. Like,\n\nChannel 1: Yep.\n\nChannel 0: Denmark is our neighboring country. They don't do Jules, so then you have\n\nChannel 1: Yep.\n\nChannel 0: to choose. And because, obviously, living in Australia. Yeah.\n\nChannel 1: That's it. Question as well. If there's\n\nChannel 0: Yes.\n\nChannel 1: will if I'm like, if, let's say, I got my name on my mom's will and stuff like\n\nChannel 0: Yep.\n\nChannel 1: that or some sort of gift, does that play any part in this or not really?\n\nChannel 0: No. So the will is you\n\nChannel 1: Yep.\n\nChannel 0: can do whatever you want to. On on here, it is just to say so on the super insurance form, literally, the only thing it will be is\n\nChannel 1: Yep.\n\nChannel 0: tick a box that says LPR, which is legal personal representative, a 100%, And that just says that it just goes straight to your will. Then in your will, you can have everything under the sun of your assets or whatever it is that you want that is completely separate. It just means\n\nChannel 1: Yep.\n\nChannel 0: that it reverts to the one estate instead of having to deal with super insurance separate to the estate.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Does that answer your question?\n\nChannel 1: It was just the other way around. I was asking because you were asking if I'm earning money from overseas. It's more like\n\nChannel 0: Yes?\n\nChannel 1: if I got my my mom's including me in her will, does that\n\nChannel 0: Okay.\n\nChannel 1: do anything have to\n\nChannel 0: No.\n\nChannel 1: be listed in\n\nChannel 0: No. That's okay. It's more so if you are earning, like, a regular income overseas, especially for some some countries if there's, like, double tax system and stuff. It's just good for us to know, obviously, if we are doing your finances and stuff\n\nChannel 1: Yep. Yep.\n\nChannel 0: if you are getting, like, double tax or depending on which country you're earning a regular income from. But if right now you are not receiving, like, a little gift and stuff, that's perfectly fine. That happens, especially when you have, obviously, dual citizenship. It's more so if you are earning, like, a regular income overseas or, like, have\n\nChannel 1: Yep.\n\nChannel 0: an investment property overseas and and that kind of\n\nChannel 1: When I say little gift, it's not so much little\n\nChannel 0: stuff.\n\nChannel 1: gift. But, anyway,\n\nChannel 0: Okay. So what was that? Sorry.\n\nChannel 1: it's not like I was asking, like like, in they can send me, like, you know, like, wheels and gift and stuff. Like, not I I quite gift, but, like, let's say mom let's say\n\nChannel 0: Mhmm.\n\nChannel 1: she transferred me, like, a million dollar or whatever.\n\nChannel 0: Yep.\n\nChannel 1: That doesn't pay any part because it's all, like, wheels and stuff that doesn't play any part in my\n\nChannel 0: Yes.\n\nChannel 1: yeah. That was that was\n\nChannel 0: Yep.\n\nChannel 1: my question.\n\nChannel 0: Okay. Yes. No. That is correct.\n\nChannel 1: So\n\nChannel 0: It\n\nChannel 1: when\n\nChannel 0: would\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: ask\n\nChannel 0: be\n\nChannel 1: gift, it's, like, will and gift in, like, in the range of 100\n\nChannel 0: yes.\n\nChannel 1: to million or stuff like that. That's what my\n\nChannel 0: Yes.\n\nChannel 1: question was.\n\nChannel 0: Okay. Yes. You can. That's that's fine. And that's yeah.\n\nThat's totally fine. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now, otherwise, when it comes to goals, the stuff that you are focusing on, now it is usually a good point during annual review to kind of check-in to see, okay. Well, what happened in the last twelve months? What were your goals? Did you achieve them?\n\nWhat you wanna set for the next twelve months for a bit of accountability sometimes and if there's any other areas you would like advice on.\n\nChannel 1: Yep.\n\nChannel 0: So I can see here that when you spoke to my colleague, last year, your main focus was just to pay down the mortgage essentially and to kind\n\nChannel 1: Yep.\n\nChannel 0: of build up a bit more of a saving. Is that\n\nChannel 1: Yep.\n\nChannel 0: still kind of your main focus?\n\nChannel 1: Yeah. Pretty much better. I'm also spending too much money on traveling this year.\n\nChannel 0: No. I know that feeling. Where are you going anywhere, fun?\n\nChannel 1: But I'm just going to Perth. I've just go to\n\nChannel 0: That's\n\nChannel 1: Queenstown.\n\nChannel 0: nice.\n\nChannel 1: I went to Perth\n\nChannel 0: Oh,\n\nChannel 1: in\n\nChannel 0: yeah.\n\nChannel 1: Easter. I went to Queenstown in like, last weekend, and I'm going to I don't I'm gonna take each trip in\n\nChannel 0: Oh, beautiful. And where is there, Kentucky?\n\nChannel 1: September. It started in Amsterdam and finished in London.\n\nChannel 0: Oh, nice. Is that\n\nChannel 1: Yep.\n\nChannel 0: during summer over there? So, like, June, July,\n\nChannel 1: Yep.\n\nChannel 0: August sometimes? Oh,\n\nChannel 1: That's\n\nChannel 0: that'd be\n\nChannel 1: it.\n\nChannel 0: nice. I'm jealous.\n\nChannel 1: Yeah. I think it was just more like I what I realized was that well, now the freaking federal budget came out. It's kinda I don't even know what I'm what I know was because I was I just trying to keep\n\nChannel 0: Yeah.\n\nChannel 1: paying it down, but I was gonna buy\n\nChannel 0: Yep.\n\nChannel 1: another property anyway with cash, sort of with cash, and\n\nChannel 0: Yes.\n\nChannel 1: and make this investment. However,\n\nChannel 0: Mhmm.\n\nChannel 1: I didn't realize was because I paid it off so much, it's, like,\n\nChannel 0: Yes.\n\nChannel 1: always gonna be positive gearing now. So I was like, well, what's I don't really it's like,\n\nChannel 0: Exactly.\n\nChannel 1: it make it worse. I by me keep paying it out, it kinda make it worse. But now the new the new freaking budget came out, so I\n\nChannel 0: Yep.\n\nChannel 1: don't even know.\n\nChannel 0: And even with the the capital gains, it used to\n\nChannel 1: Yeah.\n\nChannel 0: be obviously so competitive for an investment property or any investments really as well.\n\nChannel 1: Yep.\n\nChannel 0: That's obviously all changing. So, yeah, it will be interesting to see how things are changing, but also if it is driving property prices or anything because people might hold on to the investment properties longer because, obviously, if you bought it before the change.\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, very interesting to see what happens. And I think a lot of people in the same thinking process as you were, it's like, oh, well, my goal was to buy an investment property, but I don't know\n\nChannel 1: Yep.\n\nChannel 0: if I do wanna go down that way anymore.\n\nChannel 1: Yep.\n\nChannel 0: And if it is that you want to expand outside property, like, if you I know you have overseas in stocks and stuff that you are managing. But if it is that you do have a bit of spare money and you would like advice on, you know, investment bonds or different type of investments to diversify things elsewhere, just let us know because we can always book you in for a catch up. I know you're really busy, so you probably don't have\n\nChannel 1: Yeah.\n\nChannel 0: a lot of time. But\n\nChannel 1: Well,\n\nChannel 0: whenever you do\n\nChannel 1: one thing I one thing I was gonna look at was what do you call that? Five five. Okay. Generation wealth? Is that what you call\n\nChannel 0: Generation\n\nChannel 1: it? The bought\n\nChannel 0: Life?\n\nChannel 1: yeah. Generation Life.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. The one where you put in\n\nChannel 0: Investment\n\nChannel 1: and\n\nChannel 0: bonds.\n\nChannel 1: you got\n\nChannel 0: Yes.\n\nChannel 1: it after ten years. Yeah.\n\nChannel 0: Yeah. So that is something that we do a lot for a lot of clients. So we have a lot of different investment bonds. There's different providers and stuff, but Generation\n\nChannel 1: Yep.\n\nChannel 0: Life is really competitive. It is one that we use quite frequently as well.\n\nChannel 1: Yep.\n\nChannel 0: So is that something you would like to look at, like, now or down the track? Or\n\nChannel 1: Well, it look. Let let I'll be keen to look at it, but I don't think I'm gonna buy it this year. I was gonna buy it this year because I was gonna buy a property and then buy that because I wanna diversify it.\n\nChannel 0: mhmm. Okay.\n\nChannel 1: But it's like anyway, it I'll keep I would definitely look at it because I know what I realized was the first year that you put in,\n\nChannel 0: Yep.\n\nChannel 1: you cannot put more than than, 10 I'm gonna say more than $2 or whatever the following year. So you always have to put the first one in, like, a massive chunk is what I've got out of it.\n\nChannel 0: Yes and no. So with Generation Life specifically, it is correct. The first twelve months, there is no limit. So you can put it however much you want.\n\nChannel 1: Yes.\n\nChannel 0: Now the thing to be mindful of is when it comes to stamp duty because it's classified as a life insurance product.\n\nChannel 1: Yeah.\n\nChannel 0: So, typically, if we are looking at a larger sum, so if we're looking at anything over 50,000,\n\nChannel 1: Yep.\n\nChannel 0: obviously, this is not a recommendation because I'd have to do the research. But typically speaking, you would put\n\nChannel 1: Yeah.\n\nChannel 0: 50,000 in because you do not wanna trigger stamp duty. Because anything under 50,000, the generation life will cover the stamp duty. Anything over that, you will have to pay for the stamp duty yourself. So because there is no\n\nChannel 1: Oh, so\n\nChannel 0: limit,\n\nChannel 1: I don't wanna put more. Don't wanna put less than 50.\n\nChannel 0: you you can you can definitely put more if you want to. You\n\nChannel 1: Yeah.\n\nChannel 0: would just do it as, like, a starting would be, like, 50, for example. And then let's say two days after. So within the first twelve months, you can put however much. So if, for example, let's say you were to invest 200,000, let's say, the\n\nChannel 1: Mhmm.\n\nChannel 0: way that in the first year, the way that we would typically structure it Now, again, it would depend on what research and stuff will say. But typically speaking, you would put 50,000 on day one as a starting balance.\n\nChannel 1: Yep.\n\nChannel 0: Day two, you could put a 150,000. You do\n\nChannel 1: Mhmm.\n\nChannel 0: not have to pay stamp duty that way because Generation Life will. So that is how you would structure it to start with to circumvent the stamp duty. So it's pretty clever\n\nChannel 1: Yep.\n\nChannel 0: that way. And with the limits so, yes, from a tax efficiency point of view, because that is often why you would do an investment bond, because you don't have to pay obviously, it doesn't get added to your taxable income after the ten years, and you don't have to pay any personal capital gains on it. So it is very effective from a tax point of view, but you do have to have it for that ten ten\n\nChannel 1: And you\n\nChannel 0: year\n\nChannel 1: can't\n\nChannel 0: period.\n\nChannel 1: withdraw it.\n\nChannel 0: Yes. And with the contribution limit, so in order to stay within the the tax benefit, so to say, they have a 125% rule. So that is kind of what you were alluding to, which is correct. So the first year, you can put however much you want. The second year, you can only put up till a 125% of the previous year without\n\nChannel 1: Yep.\n\nChannel 0: triggering the the reset. You can do a lot less, but if you do less, the year after that, you can only do a 125% of that.\n\nChannel 1: Yep.\n\nChannel 0: So it is trickier in that way to structure it. Yep. Does that answer that question? That's\n\nChannel 1: Yep.\n\nChannel 0: probably a\n\nChannel 1: Oh,\n\nChannel 0: long\n\nChannel 1: yeah.\n\nChannel 0: winded\n\nChannel 1: No. I've got\n\nChannel 0: phone\n\nChannel 1: I've got\n\nChannel 0: number.\n\nChannel 1: a friend who's doing it, and he was telling me about that.\n\nChannel 0: Yeah.\n\nChannel 1: I was like, now that I think about the whole new types thingy, it's like, it'll be good. Like, it'll be good for me to know more about\n\nChannel 0: Yeah. And if it is true, like, when you when you have time, if it is because we do all that research all the time, and we work very closely with Generation Lights.\n\nChannel 1: it. Yep.\n\nChannel 0: So if it is that you would like a recommendation and you would like us to manage or anything for you, just let me know, and I can always book you in for, like, a separate conversation and just focus on that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And I can then go and put a proposal and a recommendation together for you if it\n\nChannel 1: Mhmm.\n\nChannel 0: is something that you are wanting at any point in time.\n\nChannel 1: Yep. Oh,\n\nChannel 0: Yep.\n\nChannel 1: I I do wanna it was just more hours waiting for cash from overseas and the exchange\n\nChannel 0: Yep.\n\nChannel 1: cheap at the moment. So it's like depending\n\nChannel 0: Just the timing.\n\nChannel 1: on how much does that convert to oh, no. It's worse for me because the cash come from overseas, so it's like the dollar exchange is really bad.\n\nChannel 0: Yeah. Yeah. Okay. Yeah. And I remember that too, like, when I was because I did my all my uni university degree serving Australia,\n\nChannel 1: Yep.\n\nChannel 0: but as an international student. And with I had to transfer money from Sweden over to Australia to pay for my university degree.\n\nChannel 1: Yep.\n\nChannel 0: And he was just like, sometimes I was like, oh, this is great. I'm getting so much money. And other times, it's like, ugh. This barely covers anything. So the exchange rate is can be a bit tricky at times as\n\nChannel 1: And,\n\nChannel 0: well.\n\nChannel 1: like, because I'm transferring transferring a buckles, I'm like, the different at the moment, you're talking to different, like, $400. So I'm\n\nChannel 0: Yes.\n\nChannel 1: like, oh, I'm not\n\nChannel 0: Yes.\n\nChannel 1: I'm not\n\nChannel 0: And then\n\nChannel 1: doing\n\nChannel 0: the\n\nChannel 1: that then.\n\nChannel 0: no. And then the bank fees as well depending on how you do it. So if you store the\n\nChannel 1: Yep.\n\nChannel 0: bank or if it's other platforms, there's a lot of different things nowadays that is making it easier and more affordable to transfer money from overseas,\n\nChannel 1: Yep.\n\nChannel 0: but there's still obviously fees and stuff, you know, involved in all that.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. I'll I'll get that. Now I'll try to make this quick for you. That was\n\nChannel 1: Yep.\n\nChannel 0: basically all of the personal information I needed to run through with you. Now because you are pretty across when it comes to investments as well, I'm happy to skip going through the risk profile questionnaire\n\nChannel 1: Yep.\n\nChannel 0: because we have done that a couple of times, but I just wanted to make sure that you are still comfortable with what you have. So at the moment, we have you invested in a high growth portfolio. Do you remember what it means to be, or are you quite familiar what it means to be a high growth investor?\n\nChannel 1: High risk, high risk, high reward, high volatile, isn't it? So just leave\n\nChannel 0: Yeah.\n\nChannel 1: it there.\n\nChannel 0: Yep. Okay. Yep. Perfect. And asset wise, typically, we say 90% in your growth assets.\n\nSo, obviously, your Australian shares, international shares property maximize that growth for you, and about 10% in defensive, like your cash or gold, your fixed interest, your limit fluctuations a little bit, but the main focus is growing that. When it comes to a time frame, we also wanna make sure you have enough time in the market for those fluctuations, which you certainly do. So high growth, we wanna allow a minimum of eight years to retirement, which, again, you have plenty of time until retirement in order to try to grow that. So you are happy with high high high growth?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So what I have done is I have to send you an email with some documents to go through quickly. I'll skip the ones that I don't have to go through, again, to save you time. But did that email come through okay?\n\nChannel 1: Yeah. I saw that.\n\nChannel 0: Yeah. Okay. Perfect. So we have recently changed the software, so it might look a little bit different to what you were used to. But if you can click on the email for me now before you click on the link where it says sign now, at the bottom, you should see a couple of attachments.\n\nCan you see those? So\n\nChannel 1: I only see your signature. Yep.\n\nChannel 0: yep. You can see them?\n\nChannel 1: Yep. I see Vanguard. I see\n\nChannel 0: Yes.\n\nChannel 1: twelve months. I did the currency.\n\nChannel 0: Yep. Those are the ones. Perfect. So you should see two documents at the bottom usually where it says Oakview Financial Services Guide and Oakview Financial Services Guide version four. Can you see those?\n\nYeah.\n\nChannel 1: Yep.\n\nChannel 0: I won't get you to open them. They are the same as every year, just an updated version. It's one of those compliance documents, gives you all the important information regarding us here at Oakview. We've had a bit\n\nChannel 1: Yep.\n\nChannel 0: of a update in marketing, a bit of an extension to the team. So if you do wanna go and have a read over them in your own time, you will see all the team addresses and advices. You will see myself listed on there as well if you do wanna put a face to the voice.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you could open for me, though, the one where it says super and insurance summary.\n\nChannel 1: Super and yep.\n\nChannel 0: Yep. Perfect. Now that shows you your current situation. So it shows you that you have superannuation with hub twenty four, and you do\n\nChannel 1: Yep.\n\nChannel 0: have about 77,632 in there. You also have some Neos insurances. You have life and TPD, 623,432, and an income\n\nChannel 1: Yep.\n\nChannel 0: protection, which will pay you a monthly amount of 7,068 per month, thirty day waiting period, five year benefit period. You get a tax rebate. The wage structure is through super, and total premium is 1,302. Are you still\n\nChannel 1: Yep.\n\nChannel 0: happy with the level of cover and your insurances and stuff?\n\nChannel 1: Yep. That should be fine.\n\nChannel 0: Yep. Okay. Perfect. Now the other one is then your twelve month performance report. It should be the second attachment.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Again, I won't spend too much time on this because it seems like you are pretty familiar, but, basically, it gives you a rundown of your portfolio in the last twelve months,\n\nChannel 1: No.\n\nChannel 0: how they have performed, what you have in each option after fees. So, basically, in a summary, obviously, there's been a lot of fluctuation in the market like you touched on as well in the last twelve months. Bit of fluctuations, bit of up and down. Despite all of that, though, your portfolio has still done pretty good overall. So in the last twelve months, after all fees, your portfolio has gone up by 10.54\n\nChannel 1: In accounting term, in bracket is negative. Right?\n\nChannel 0: percent. Yes. So in the\n\nChannel 1: Jesus.\n\nChannel 0: top one\n\nChannel 1: This the long the long equity is a bit\n\nChannel 0: and that's\n\nChannel 1: it's going\n\nChannel 0: the one\n\nChannel 1: down\n\nChannel 0: I would\n\nChannel 1: a bit.\n\nChannel 0: do wanna, yeah, that's the one I wanted to talk to you about. I think my colleague, Whitla, mentioned mentioned that. So I do wanna talk to you about that one. Now, obviously, the way that your portfolio overall is structured, you can see that some investment have gone through the roof and,\n\nChannel 1: Yep.\n\nChannel 0: otherwise, there's been a little bit slower. Like, the Global X, Battery Tech, and Lithium, it's crazy at the moment. Obviously, fuel prices, electric vehicles, that one has done amazing. So the way\n\nChannel 1: Yep.\n\nChannel 0: that, obviously, your portfolio is structured is structured is you do wanna obviously balance things out and have a bit of diversification. Now the\n\nChannel 1: Yep.\n\nChannel 0: Bennelong investment, I do wanna touch on, and I would like to look at changing this if you are happy with it. So with the Bennelong investment, that was obviously added to your portfolio. It is a managed fund, so they're obviously trying to actively buy and sell different investments in order to try to outperform the market. It works slightly\n\nChannel 1: Yep.\n\nChannel 0: different to your ETF structure. Now\n\nChannel 1: Yes.\n\nChannel 0: they have done really well and been very competitive, and more recently, they've been a little bit slower with making their investment decision. And, also, one of the investments that they actually had in their portfolio was the corporate travel group. Not\n\nChannel 1: Mhmm.\n\nChannel 0: sure\n\nChannel 1: Yep.\n\nChannel 0: if you heard about them, but they had a bit of issues with their reporting. So they were suspended from trading, which obviously saw a bit of a a dip. So\n\nChannel 1: Yep.\n\nChannel 0: with the Bendalong Investments, the investment committee, we do a lot of research on the investments all the time because the good thing with hub twenty four is there's hundreds of different investment options for us to choose from. And if there is one that is underperforming a little bit and not going to be the best option for you moving forward, we would like to look at changing it for something more suitable. So\n\nChannel 1: Yep.\n\nChannel 0: we have done a lot of research, and we have found one that is quite competitive, which\n\nChannel 1: Yep.\n\nChannel 0: is called your beta shares a 200. Have you heard of\n\nChannel 1: Yep.\n\nChannel 0: that one?\n\nChannel 1: I've heard of yeah. It's just\n\nChannel 0: Yeah.\n\nChannel 1: another equity, even if, like, it just\n\nChannel 0: It's another one, but it is your ETF. So instead of having that\n\nChannel 1: so\n\nChannel 0: managed fund component yep.\n\nChannel 1: oh, so ETF. So it's yep. Got it.\n\nChannel 0: Yep.\n\nChannel 1: Got\n\nChannel 0: So because of because of it so, basically, it's it will be cheaper for you than the Benelon because it doesn't have the active management.\n\nChannel 1: it.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: we're obviously, because we are removing one Australian investment, we do wanna replace it with another one to keeping that diversification and everything across your portfolio. The Benel the BetaShares a 200 invests in their 200 largest companies listed e on the ASX. So very\n\nChannel 1: Yep.\n\nChannel 0: diversified. It is cheaper than the Benelong for you, and has performed a little bit better. It is a little bit more stable because it is that ETF. So, obviously, as the company grows and gets bigger, gets into the 200, it gets\n\nChannel 1: Yep.\n\nChannel 0: added, something comes out.\n\nChannel 1: Yep.\n\nChannel 0: So are you happy for us to go ahead and make that switch removing Ben along and adding the BetaShares a 200 for you?\n\nChannel 1: Well, you guys well, you are the you are the adviser. So whatever you think is not suitable for next twelve months, then we'll go for it.\n\nChannel 0: Okay. Yep. And we have done a lot of extensive research on it. I just wanted to triple check that you are happy for us to do that. So what I will do is I will issue you something that is called a record of advice.\n\nNow you\n\nChannel 1: Yep.\n\nChannel 0: don't have to sign it, but it is for your record so that you have it on what we are doing. And that\n\nChannel 1: Yep.\n\nChannel 0: is just changing your Benelon to your a 200. So you will receive that in the email as well in the next couple of days to to let you know that we do that change. Again, you\n\nChannel 1: Yep.\n\nChannel 0: don't have to change it, but it's for your records so that you can see that we'll do that change for you.\n\nChannel 1: Yep.\n\nChannel 0: Any questions?\n\nChannel 1: Nope. That's all.\n\nChannel 0: No. Okay. Perfect. Now, otherwise, you will see a Vanguard index chart. I won't go through that with you because, again, it seems like you have pretty good understanding of the market.\n\nBut, basically, from here, if you are happy to do so, it will be if you are happy to press sign on the document that is there,\n\nChannel 1: Yeah.\n\nChannel 0: you will get you to sign, let me see, two documents. Now one of them is your ongoing service agreement. Can you see that one?\n\nChannel 1: Yeah. I clicked sign document. So whatever this platform is bringing me to\n\nChannel 0: Yep. Let me\n\nChannel 1: on\n\nChannel 0: see.\n\nChannel 1: consent a new ongoing fee arrangement, and\n\nChannel 0: Yes.\n\nChannel 1: then\n\nChannel 0: That's the one I'm talking about. Yes.\n\nChannel 1: yep.\n\nChannel 0: So this one here will ask you to add a a signature and a date,\n\nChannel 1: Yep.\n\nChannel 0: and that is your ongoing service agreement. Just to say that you are happy to stay on as a client. Now there is\n\nChannel 1: Yep.\n\nChannel 0: no changes whatsoever in regards to the fee structure. It stays\n\nChannel 1: Yep.\n\nChannel 0: exactly the same at 1.65.\n\nChannel 1: Yep.\n\nChannel 0: It is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But, otherwise, this\n\nChannel 1: Yep.\n\nChannel 0: lets us service your account and manage everything for you in the meantime until next time review where you have to sign another one. And then the last one is a tax file number. It\n\nChannel 1: Yep.\n\nChannel 0: is a compliance form just to say we are keeping your tax file number secure and safe on file.\n\nChannel 1: Yep.\n\nChannel 0: And then when you are able to add both those signatures, it should say validate.\n\nChannel 1: Yep.\n\nChannel 0: Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And when you press validate, it should then load and send it back to me.\n\nChannel 1: Yeah. Done.\n\nChannel 0: Perfect. I'll just refresh that on my end. Now while I wait for that to come through, just recapping, I am sending you that record of advice to show you that investment switch.\n\nChannel 1: Yep.\n\nChannel 0: I'll also get the team to send you the information in regards through the will and some pricing along with the beneficiary forms for your super and insurances so that we can change it through the will so that you can give it to your mom if something were to happen to you.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Now I have seen that that come through, which is perfect. That was everything on my end. Do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon?\n\nChannel 1: All good. Thank you.\n\nChannel 0: All good? Perfect. Like I said, if it is that you do wanna explore that investment bond or anything else further, we're always here. Just give us a call if there's anything that you do need. Okay?\n\nChannel 1: Yep. Thank you.\n\nChannel 0: Okay. No problem at all. I look forward to speaking with you soon again, and you enjoy the rest of your afternoon.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":0.56,"end":0.79999995,"sentiment":"neutral","sentiment_score":0.13960705697536469},{"text":"How's it going?","start":0.79999995,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.2070014774799347}],"sentiment":"neutral","sentiment_score":0.1901528723537922,"channel":1,"num_words":4,"start":0.56,"end":1.6999999},{"sentences":[{"text":"Yeah.","start":2.0,"end":2.32,"sentiment":"positive","sentiment_score":0.3575919270515442},{"text":"Good.","start":2.32,"end":2.6399999,"sentiment":"positive","sentiment_score":0.5568634867668152},{"text":"How are you?","start":2.6399999,"end":3.54,"sentiment":"positive","sentiment_score":0.425361434618632}],"sentiment":"positive","sentiment_score":0.43810794353485105,"channel":0,"num_words":5,"start":2.0,"end":3.54},{"sentences":[{"text":"I'm good.","start":3.76,"end":4.4,"sentiment":"positive","sentiment_score":0.5365194082260132},{"text":"What's happening?","start":4.4,"end":5.14,"sentiment":"neutral","sentiment_score":0.2578306049108505}],"sentiment":"positive","sentiment_score":0.39717500656843185,"channel":1,"num_words":4,"start":3.76,"end":5.14},{"sentences":[{"text":"This is Veronica from OC Financial in case you didn't know.","start":5.7599998,"end":9.059999,"sentiment":"neutral","sentiment_score":0.07710012251680548}],"sentiment":"neutral","sentiment_score":0.07710012251680548,"channel":0,"num_words":11,"start":5.7599998,"end":9.059999},{"sentences":[{"text":"Yep.","start":9.599999,"end":10.099999,"sentiment":"neutral","sentiment_score":0.14393913745880127}],"sentiment":"neutral","sentiment_score":0.14393913745880127,"channel":1,"num_words":1,"start":9.599999,"end":10.099999},{"sentences":[{"text":"But I had you booked in for your under review.","start":9.679999,"end":12.16,"sentiment":"neutral","sentiment_score":0.17030016630887984},{"text":"Is now still a good time for you?","start":12.16,"end":13.815,"sentiment":"neutral","sentiment_score":0.24963117390871048}],"sentiment":"neutral","sentiment_score":0.20555839190880457,"channel":0,"num_words":18,"start":9.679999,"end":13.815},{"sentences":[{"text":"Yep.","start":14.965,"end":15.365,"sentiment":"neutral","sentiment_score":0.11776572465896606},{"text":"I can have a chat.","start":15.445,"end":16.585,"sentiment":"neutral","sentiment_score":0.13592132031917573}],"sentiment":"neutral","sentiment_score":0.13289538770914078,"channel":1,"num_words":6,"start":14.965,"end":16.585},{"sentences":[{"text":"Okay.","start":16.775,"end":17.175,"sentiment":"neutral","sentiment_score":0.2199782431125641},{"text":"Perfect.","start":17.175,"end":17.654999,"sentiment":"positive","sentiment_score":0.4009857773780823},{"text":"I'll try to make it quick if you are quite busy.","start":17.654999,"end":20.235,"sentiment":"neutral","sentiment_score":0.18930650841106067},{"text":"But before I do kind of jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.175,"end":28.875,"sentiment":"neutral","sentiment_score":0.06942913938185265}],"sentiment":"neutral","sentiment_score":0.11230430131157239,"channel":0,"num_words":42,"start":16.775,"end":28.875},{"sentences":[{"text":"Yep.","start":29.269999,"end":29.769999,"sentiment":"neutral","sentiment_score":0.1449701339006424}],"sentiment":"neutral","sentiment_score":0.1449701339006424,"channel":1,"num_words":1,"start":29.269999,"end":29.769999},{"sentences":[{"text":"Perfect.","start":30.25,"end":30.75,"sentiment":"neutral","sentiment_score":0.2844037413597107},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm your full name, date of birth, and address for me, please?","start":30.81,"end":39.71,"sentiment":"neutral","sentiment_score":0.11302247643470764}],"sentiment":"neutral","sentiment_score":0.11806310187367831,"channel":0,"num_words":34,"start":30.25,"end":39.71},{"sentences":[{"text":"Cartoonshoe eleventh February nineteen ninety six.","start":40.309998,"end":42.975,"sentiment":"neutral","sentiment_score":0.01572831782201926}],"sentiment":"neutral","sentiment_score":0.01572831782201926,"channel":1,"num_words":6,"start":40.309998,"end":42.975},{"sentences":[{"text":"Yep.","start":43.625,"end":44.125,"sentiment":"neutral","sentiment_score":0.05213300511240959}],"sentiment":"neutral","sentiment_score":0.05213300511240959,"channel":0,"num_words":1,"start":43.625,"end":44.125},{"sentences":[{"text":"Yep.","start":45.774998,"end":46.274998,"sentiment":"neutral","sentiment_score":0.05339699983596802}],"sentiment":"neutral","sentiment_score":0.05339699983596802,"channel":1,"num_words":1,"start":45.774998,"end":46.274998},{"sentences":[{"text":"And this address as well.","start":46.585,"end":47.704998,"sentiment":"neutral","sentiment_score":0.03834045603871346},{"text":"Sorry.","start":47.704998,"end":48.204998,"sentiment":"neutral","sentiment_score":0.001722074579447508}],"sentiment":"neutral","sentiment_score":0.03223739246216913,"channel":0,"num_words":6,"start":46.585,"end":48.204998},{"sentences":[{"text":"2915 John Street, Kumra.","start":48.815,"end":50.754997,"sentiment":"neutral","sentiment_score":0.009646872291341424}],"sentiment":"neutral","sentiment_score":0.009646872291341424,"channel":1,"num_words":4,"start":48.815,"end":50.754997},{"sentences":[{"text":"Yep.","start":51.065,"end":51.565,"sentiment":"neutral","sentiment_score":0.15137413144111633},{"text":"Perfect.","start":51.625,"end":52.125,"sentiment":"positive","sentiment_score":0.47570377588272095},{"text":"That's exactly what I have here.","start":52.184998,"end":54.204998,"sentiment":"positive","sentiment_score":0.5178239494562149},{"text":"Now I know my colleague, Whitlam 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questionnaire","start":1427.4501,"end":1435.355,"sentiment":"neutral","sentiment_score":0.11710498028475305}],"sentiment":"neutral","sentiment_score":0.07512507753239737,"channel":0,"num_words":36,"start":1423.53,"end":1435.355},{"sentences":[{"text":"Yep.","start":1436.215,"end":1436.715,"sentiment":"neutral","sentiment_score":0.17376062273979187}],"sentiment":"neutral","sentiment_score":0.17376062273979187,"channel":1,"num_words":1,"start":1436.215,"end":1436.715},{"sentences":[{"text":"because we have done that a couple of times, but I just wanted to make sure that you are still comfortable with what you have.","start":1436.615,"end":1442.0751,"sentiment":"neutral","sentiment_score":0.27215660870075226},{"text":"So at the moment, we have you invested in a high growth portfolio.","start":1442.375,"end":1445.9701,"sentiment":"neutral","sentiment_score":0.1679632434478173},{"text":"Do you remember what it means to be, or are you quite familiar what it means to be a high growth investor?","start":1446.91,"end":1452.13,"sentiment":"neutral","sentiment_score":0.06050330146469853}],"sentiment":"neutral","sentiment_score":0.17197516690939665,"channel":0,"num_words":60,"start":1436.615,"end":1452.13},{"sentences":[{"text":"High risk, high risk, high reward, high volatile, isn't it?","start":1452.87,"end":1456.15,"sentiment":"neutral","sentiment_score":0.0054816178977489475},{"text":"So just leave","start":1456.15,"end":1457.03,"sentiment":"neutral","sentiment_score":0.01237118678788344}],"sentiment":"neutral","sentiment_score":0.007071518410856907,"channel":1,"num_words":13,"start":1452.87,"end":1457.03},{"sentences":[{"text":"Yeah.","start":1456.8451,"end":1457.3451,"sentiment":"neutral","sentiment_score":0.05192454159259796}],"sentiment":"neutral","sentiment_score":0.05192454159259796,"channel":0,"num_words":1,"start":1456.8451,"end":1457.3451},{"sentences":[{"text":"it there.","start":1457.03,"end":1457.69,"sentiment":"neutral","sentiment_score":0.06669738329946995}],"sentiment":"neutral","sentiment_score":0.06669738329946995,"channel":1,"num_words":2,"start":1457.03,"end":1457.69},{"sentences":[{"text":"Yep.","start":1457.885,"end":1458.285,"sentiment":"neutral","sentiment_score":0.13700586557388306},{"text":"Okay.","start":1458.285,"end":1458.685,"sentiment":"neutral","sentiment_score":0.18481820821762085},{"text":"Yep.","start":1458.685,"end":1459.005,"sentiment":"neutral","sentiment_score":0.25874844193458557},{"text":"Perfect.","start":1459.005,"end":1459.505,"sentiment":"positive","sentiment_score":0.5538129806518555},{"text":"And asset wise, typically, we say 90% in your growth assets.","start":1459.645,"end":1464.2251,"sentiment":"neutral","sentiment_score":0.29206192222508515}],"sentiment":"neutral","sentiment_score":0.2898044427235921,"channel":0,"num_words":15,"start":1457.885,"end":1464.2251},{"sentences":[{"text":"So, obviously, your Australian shares, international shares property maximize that growth for you, and about 10% in defensive, like your cash or gold, your fixed interest, your limit fluctuations a little bit, but the main focus is growing that.","start":1464.285,"end":1478.04,"sentiment":"neutral","sentiment_score":0.3287872836375848},{"text":"When it comes to a time frame, we also wanna make sure you have enough time in the market for those fluctuations, which you certainly do.","start":1478.1001,"end":1484.5851,"sentiment":"neutral","sentiment_score":0.24954226784981215},{"text":"So high growth, we wanna allow a minimum of eight years to retirement, which, again, you have plenty of time until retirement in order to try to grow that.","start":1484.5851,"end":1492.1051,"sentiment":"neutral","sentiment_score":0.3081753783184907},{"text":"So you are happy with high high high growth?","start":1492.1051,"end":1494.765,"sentiment":"positive","sentiment_score":0.4682653380764855}],"sentiment":"neutral","sentiment_score":0.3151677382513157,"channel":0,"num_words":103,"start":1464.285,"end":1494.765},{"sentences":[{"text":"Yep.","start":1495.365,"end":1495.865,"sentiment":"neutral","sentiment_score":0.14228728413581848}],"sentiment":"neutral","sentiment_score":0.14228728413581848,"channel":1,"num_words":1,"start":1495.365,"end":1495.865},{"sentences":[{"text":"Yep.","start":1496.2,"end":1496.5199,"sentiment":"neutral","sentiment_score":0.154215008020401},{"text":"Perfect.","start":1496.5199,"end":1497.0199,"sentiment":"positive","sentiment_score":0.3699091970920563},{"text":"Now do you have access to your emails at the moment?","start":1497.3999,"end":1499.6599,"sentiment":"neutral","sentiment_score":0.1031978154046969}],"sentiment":"neutral","sentiment_score":0.12763847496647102,"channel":0,"num_words":13,"start":1496.2,"end":1499.6599},{"sentences":[{"text":"Yep.","start":1501.91,"end":1502.41,"sentiment":"neutral","sentiment_score":0.0724322721362114}],"sentiment":"neutral","sentiment_score":0.0724322721362114,"channel":1,"num_words":1,"start":1501.91,"end":1502.41},{"sentences":[{"text":"Yep.","start":1502.6799,"end":1503.08,"sentiment":"neutral","sentiment_score":0.12478512525558472},{"text":"Perfect.","start":1503.08,"end":1503.58,"sentiment":"neutral","sentiment_score":0.3232535123825073}],"sentiment":"neutral","sentiment_score":0.22401931881904602,"channel":0,"num_words":2,"start":1502.6799,"end":1503.58},{"sentences":[{"text":"Yep.","start":1503.51,"end":1504.01,"sentiment":"neutral","sentiment_score":0.20858977735042572}],"sentiment":"neutral","sentiment_score":0.20858977735042572,"channel":1,"num_words":1,"start":1503.51,"end":1504.01},{"sentences":[{"text":"So what I have done is I have to send you an email with some documents to go through quickly.","start":1503.7999,"end":1508.62,"sentiment":"neutral","sentiment_score":0.1869051568210125},{"text":"I'll skip the ones that I don't have to go through, again, to save you time.","start":1509.8151,"end":1514.055,"sentiment":"neutral","sentiment_score":0.10498385736718774},{"text":"But did that email come through okay?","start":1514.055,"end":1515.755,"sentiment":"neutral","sentiment_score":0.06540770243321146}],"sentiment":"neutral","sentiment_score":0.136644157472738,"channel":0,"num_words":43,"start":1503.7999,"end":1515.755},{"sentences":[{"text":"Yeah.","start":1516.135,"end":1516.375,"sentiment":"neutral","sentiment_score":0.04439800977706909},{"text":"I saw that.","start":1516.375,"end":1517.195,"sentiment":"neutral","sentiment_score":0.04627273231744766}],"sentiment":"neutral","sentiment_score":0.04580405168235302,"channel":1,"num_words":4,"start":1516.135,"end":1517.195},{"sentences":[{"text":"Yeah.","start":1517.415,"end":1517.735,"sentiment":"neutral","sentiment_score":0.08624173700809479},{"text":"Okay.","start":1517.735,"end":1518.055,"sentiment":"neutral","sentiment_score":0.16814616322517395},{"text":"Perfect.","start":1518.055,"end":1518.535,"sentiment":"neutral","sentiment_score":0.3188828229904175},{"text":"So we have recently changed the software, so it might look a little bit different to what you were used to.","start":1518.535,"end":1522.47,"sentiment":"neutral","sentiment_score":0.08945097862964585},{"text":"But if you can click on the email for me now before you click on the link where it says sign now, at the bottom, you should see a couple of attachments.","start":1522.5499,"end":1530.65,"sentiment":"neutral","sentiment_score":0.086369882337749}],"sentiment":"neutral","sentiment_score":0.09313531266525388,"channel":0,"num_words":56,"start":1517.415,"end":1530.65},{"sentences":[{"text":"Can you see those?","start":1530.7899,"end":1531.77,"sentiment":"neutral","sentiment_score":0.040144357830286026},{"text":"So","start":1534.485,"end":1534.985,"sentiment":"neutral","sentiment_score":0.0067651234567165375}],"sentiment":"neutral","sentiment_score":0.03346851095557213,"channel":0,"num_words":5,"start":1530.7899,"end":1534.985},{"sentences":[{"text":"I only see your signature.","start":1535.19,"end":1536.49,"sentiment":"neutral","sentiment_score":0.014586493372917175},{"text":"Yep.","start":1537.99,"end":1538.49,"sentiment":"neutral","sentiment_score":0.04989182576537132}],"sentiment":"neutral","sentiment_score":0.0204707154383262,"channel":1,"num_words":6,"start":1535.19,"end":1538.49},{"sentences":[{"text":"yep.","start":1538.8049,"end":1539.3049,"sentiment":"neutral","sentiment_score":0.05419348552823067},{"text":"You can see them?","start":1539.365,"end":1540.4249,"sentiment":"neutral","sentiment_score":0.03944277064874768}],"sentiment":"neutral","sentiment_score":0.04239291362464428,"channel":0,"num_words":5,"start":1538.8049,"end":1540.4249},{"sentences":[{"text":"Yep.","start":1540.765,"end":1541.005,"sentiment":"neutral","sentiment_score":0.03358187526464462},{"text":"I see Vanguard.","start":1541.005,"end":1541.905,"sentiment":"neutral","sentiment_score":0.02985893872876962},{"text":"I see","start":1541.965,"end":1542.625,"sentiment":"neutral","sentiment_score":0.02822110615670681}],"sentiment":"neutral","sentiment_score":0.029933483960727852,"channel":1,"num_words":6,"start":1540.765,"end":1542.625},{"sentences":[{"text":"Yes.","start":1542.885,"end":1543.385,"sentiment":"neutral","sentiment_score":0.0413835234940052}],"sentiment":"neutral","sentiment_score":0.0413835234940052,"channel":0,"num_words":1,"start":1542.885,"end":1543.385},{"sentences":[{"text":"twelve months.","start":1542.925,"end":1543.485,"sentiment":"neutral","sentiment_score":0.03299127984791994},{"text":"I did the currency.","start":1543.485,"end":1544.305,"sentiment":"neutral","sentiment_score":0.0519875455647707}],"sentiment":"neutral","sentiment_score":0.04565545699248711,"channel":1,"num_words":6,"start":1542.925,"end":1544.305},{"sentences":[{"text":"Yep.","start":1545.125,"end":1545.525,"sentiment":"neutral","sentiment_score":0.0970366820693016},{"text":"Those are the ones.","start":1545.525,"end":1546.485,"sentiment":"neutral","sentiment_score":0.18327580392360687},{"text":"Perfect.","start":1546.485,"end":1546.985,"sentiment":"neutral","sentiment_score":0.057004448026418686},{"text":"So you should see two documents at the bottom usually where it says Oakview Financial Services Guide and Oakview Financial Services Guide version four.","start":1547.39,"end":1555.5701,"sentiment":"neutral","sentiment_score":0.024169716828813154},{"text":"Can you see those?","start":1555.63,"end":1556.6901,"sentiment":"neutral","sentiment_score":0.019612781703472137}],"sentiment":"neutral","sentiment_score":0.04546084342633977,"channel":0,"num_words":34,"start":1545.125,"end":1556.6901},{"sentences":[{"text":"Yeah.","start":1556.91,"end":1557.31,"sentiment":"neutral","sentiment_score":0.044960275292396545}],"sentiment":"neutral","sentiment_score":0.044960275292396545,"channel":0,"num_words":1,"start":1556.91,"end":1557.31},{"sentences":[{"text":"Yep.","start":1557.1,"end":1557.6,"sentiment":"neutral","sentiment_score":0.08153146505355835}],"sentiment":"neutral","sentiment_score":0.08153146505355835,"channel":1,"num_words":1,"start":1557.1,"end":1557.6},{"sentences":[{"text":"I won't get you to open them.","start":1557.31,"end":1558.75,"sentiment":"neutral","sentiment_score":-0.07913650838392121},{"text":"They are the same as every year, just an updated version.","start":1558.75,"end":1561.55,"sentiment":"neutral","sentiment_score":0.04468755322423848},{"text":"It's one of those compliance documents, gives you all the important information regarding us here at Oakview.","start":1561.55,"end":1567.435,"sentiment":"neutral","sentiment_score":0.12217708720880396},{"text":"We've had a bit","start":1567.8151,"end":1568.4551,"sentiment":"neutral","sentiment_score":0.03547799773514271}],"sentiment":"neutral","sentiment_score":0.05529564103254905,"channel":0,"num_words":39,"start":1557.31,"end":1568.4551},{"sentences":[{"text":"Yep.","start":1568.445,"end":1568.945,"sentiment":"neutral","sentiment_score":0.008850677870213985}],"sentiment":"neutral","sentiment_score":0.008850677870213985,"channel":1,"num_words":1,"start":1568.445,"end":1568.945},{"sentences":[{"text":"of a update in marketing, a bit of an extension to the team.","start":1568.4551,"end":1571.735,"sentiment":"neutral","sentiment_score":0.030011611059308052},{"text":"So if you do wanna go and have a read over them in your own time, you will see all the team addresses and advices.","start":1571.735,"end":1577.6001,"sentiment":"neutral","sentiment_score":0.08150569878518582},{"text":"You will see myself listed on there as well if you do wanna put a face to the voice.","start":1577.7401,"end":1581.68,"sentiment":"neutral","sentiment_score":0.08843620013641684}],"sentiment":"neutral","sentiment_score":0.0720716002805714,"channel":0,"num_words":57,"start":1568.4551,"end":1581.68},{"sentences":[{"text":"Yep.","start":1582.0599,"end":1582.5599,"sentiment":"neutral","sentiment_score":0.17254267632961273}],"sentiment":"neutral","sentiment_score":0.17254267632961273,"channel":1,"num_words":1,"start":1582.0599,"end":1582.5599},{"sentences":[{"text":"Perfect.","start":1582.9401,"end":1583.4401,"sentiment":"positive","sentiment_score":0.4944773018360138},{"text":"Now if you could open for me, though, the one where it says super and insurance summary.","start":1583.66,"end":1588.16,"sentiment":"neutral","sentiment_score":0.1496365026516073}],"sentiment":"neutral","sentiment_score":0.16879432482851875,"channel":0,"num_words":18,"start":1582.9401,"end":1588.16},{"sentences":[{"text":"Super and yep.","start":1589.665,"end":1591.365,"sentiment":"neutral","sentiment_score":0.2772177855173747}],"sentiment":"neutral","sentiment_score":0.2772177855173747,"channel":1,"num_words":3,"start":1589.665,"end":1591.365},{"sentences":[{"text":"Yep.","start":1591.745,"end":1592.145,"sentiment":"neutral","sentiment_score":0.20502212643623352},{"text":"Perfect.","start":1592.145,"end":1592.645,"sentiment":"positive","sentiment_score":0.49440932273864746},{"text":"Now that shows you your current situation.","start":1592.7051,"end":1594.9451,"sentiment":"neutral","sentiment_score":0.2524282953568867},{"text":"So it shows you that you have superannuation with hub twenty four, and you do","start":1594.9451,"end":1598.9451,"sentiment":"neutral","sentiment_score":0.17209062377611797}],"sentiment":"neutral","sentiment_score":0.21032453638811907,"channel":0,"num_words":24,"start":1591.745,"end":1598.9451},{"sentences":[{"text":"Yep.","start":1598.865,"end":1599.365,"sentiment":"neutral","sentiment_score":0.17646020650863647}],"sentiment":"neutral","sentiment_score":0.17646020650863647,"channel":1,"num_words":1,"start":1598.865,"end":1599.365},{"sentences":[{"text":"have about 77,632 in there.","start":1598.9451,"end":1602.72,"sentiment":"neutral","sentiment_score":0.16152191460132598},{"text":"You also have some Neos insurances.","start":1602.7999,"end":1604.98,"sentiment":"neutral","sentiment_score":0.12230748062332471},{"text":"You have life and TPD, 623,432, and an income","start":1605.6799,"end":1611.6799,"sentiment":"neutral","sentiment_score":0.1356643388668696}],"sentiment":"neutral","sentiment_score":0.13812167532742023,"channel":0,"num_words":20,"start":1598.9451,"end":1611.6799},{"sentences":[{"text":"Yep.","start":1611.5,"end":1612.0,"sentiment":"neutral","sentiment_score":0.11786632984876633}],"sentiment":"neutral","sentiment_score":0.11786632984876633,"channel":1,"num_words":1,"start":1611.5,"end":1612.0},{"sentences":[{"text":"protection, which will pay you a monthly amount of 7,068 per month, thirty day waiting period, five year benefit period.","start":1611.6799,"end":1618.1,"sentiment":"neutral","sentiment_score":0.17512214407324792},{"text":"You get a tax rebate.","start":1618.305,"end":1619.265,"sentiment":"neutral","sentiment_score":0.1745842218399048},{"text":"The wage structure is through super, and total premium is 1,302.","start":1619.265,"end":1623.6051,"sentiment":"neutral","sentiment_score":0.1044101125814698},{"text":"Are you still","start":1623.665,"end":1624.305,"sentiment":"neutral","sentiment_score":0.06886484970649083}],"sentiment":"neutral","sentiment_score":0.14693512251743904,"channel":0,"num_words":39,"start":1611.6799,"end":1624.305},{"sentences":[{"text":"Yep.","start":1624.2749,"end":1624.7749,"sentiment":"neutral","sentiment_score":0.09915395081043243}],"sentiment":"neutral","sentiment_score":0.09915395081043243,"channel":1,"num_words":1,"start":1624.2749,"end":1624.7749},{"sentences":[{"text":"happy with the level of cover and your insurances and stuff?","start":1624.305,"end":1627.2051,"sentiment":"neutral","sentiment_score":0.2356477677822113}],"sentiment":"neutral","sentiment_score":0.2356477677822113,"channel":0,"num_words":11,"start":1624.305,"end":1627.2051},{"sentences":[{"text":"Yep.","start":1627.3949,"end":1627.715,"sentiment":"neutral","sentiment_score":0.13716721534729004},{"text":"That should be fine.","start":1627.715,"end":1628.695,"sentiment":"neutral","sentiment_score":0.2815471813082695}],"sentiment":"neutral","sentiment_score":0.2526711881160736,"channel":1,"num_words":5,"start":1627.3949,"end":1628.695},{"sentences":[{"text":"Yep.","start":1628.4651,"end":1628.9651,"sentiment":"neutral","sentiment_score":0.14277467131614685},{"text":"Okay.","start":1629.025,"end":1629.425,"sentiment":"neutral","sentiment_score":0.249203622341156},{"text":"Perfect.","start":1629.425,"end":1629.925,"sentiment":"positive","sentiment_score":0.3904803693294525},{"text":"Now the other one is then your twelve month performance report.","start":1630.7999,"end":1634.0,"sentiment":"neutral","sentiment_score":0.13751978494904257},{"text":"It should be the second 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months,","start":1640.72,"end":1649.305,"sentiment":"neutral","sentiment_score":0.05552381550660357}],"sentiment":"neutral","sentiment_score":0.05545021158953508,"channel":0,"num_words":33,"start":1639.84,"end":1649.305},{"sentences":[{"text":"No.","start":1649.915,"end":1650.415,"sentiment":"neutral","sentiment_score":-0.041024547070264816}],"sentiment":"neutral","sentiment_score":-0.041024547070264816,"channel":1,"num_words":1,"start":1649.915,"end":1650.415},{"sentences":[{"text":"how they have performed, what you have in each option after fees.","start":1649.925,"end":1654.745,"sentiment":"neutral","sentiment_score":-0.03287940161923567},{"text":"So, basically, in a summary, obviously, there's been a lot of fluctuation in the market like you touched on as well in the last twelve months.","start":1654.805,"end":1661.31,"sentiment":"neutral","sentiment_score":-0.04594377621721763},{"text":"Bit of fluctuations, bit of up and down.","start":1661.4501,"end":1663.47,"sentiment":"neutral","sentiment_score":-0.08466393454000354},{"text":"Despite all of that, though, your portfolio has still done pretty good overall.","start":1663.6901,"end":1667.31,"sentiment":"neutral","sentiment_score":0.3060355647825278},{"text":"So in the last twelve months, after all fees, your portfolio has gone up by 10.54","start":1667.37,"end":1673.505,"sentiment":"neutral","sentiment_score":0.07080441038124263}],"sentiment":"neutral","sentiment_score":0.03793240574498971,"channel":0,"num_words":75,"start":1649.925,"end":1673.505},{"sentences":[{"text":"In accounting term, in bracket is 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of your afternoon?","start":2038.0651,"end":2044.405,"sentiment":"positive","sentiment_score":0.4216918218135834}],"sentiment":"positive","sentiment_score":0.5524185008945919,"channel":0,"num_words":42,"start":2033.745,"end":2044.405},{"sentences":[{"text":"All good.","start":2044.95,"end":2045.6699,"sentiment":"positive","sentiment_score":0.6478082835674286},{"text":"Thank you.","start":2045.6699,"end":2046.4099,"sentiment":"positive","sentiment_score":0.7130149006843567}],"sentiment":"positive","sentiment_score":0.6804115921258926,"channel":1,"num_words":4,"start":2044.95,"end":2046.4099},{"sentences":[{"text":"All good?","start":2046.0801,"end":2046.64,"sentiment":"positive","sentiment_score":0.5871386229991913},{"text":"Perfect.","start":2046.64,"end":2047.14,"sentiment":"positive","sentiment_score":0.6805547475814819},{"text":"Like I said, if it is that you do wanna explore that investment bond or anything else further, we're always here.","start":2047.3601,"end":2052.48,"sentiment":"positive","sentiment_score":0.41765360888980685},{"text":"Just give us a call if there's anything that you do need.","start":2052.48,"end":2054.8,"sentiment":"neutral","sentiment_score":0.32788797716299695},{"text":"Okay?","start":2054.8,"end":2055.3,"sentiment":"neutral","sentiment_score":0.20231807231903076}],"sentiment":"positive","sentiment_score":0.39898733996056224,"channel":0,"num_words":37,"start":2046.0801,"end":2055.3},{"sentences":[{"text":"Yep.","start":2055.877,"end":2056.197,"sentiment":"neutral","sentiment_score":0.3062836527824402},{"text":"Thank you.","start":2056.197,"end":2056.857,"sentiment":"positive","sentiment_score":0.696684867143631}],"sentiment":"positive","sentiment_score":0.566551129023234,"channel":1,"num_words":3,"start":2055.877,"end":2056.857},{"sentences":[{"text":"Okay.","start":2056.777,"end":2057.257,"sentiment":"positive","sentiment_score":0.4832826256752014},{"text":"No problem at 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The agent emphasizes the importance of completing proper instructions and reading them carefully, as well as the need for a close personal representative to ensure proper use of the will kit. The agent also discusses the retirement process, including the importance of finding a suitable retirement age and avoiding risk profiles. The agent provides advice on finding a suitable retirement age and offers assistance with filling out a compliance form and tax file numbers and beneficiary forms."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm your full name, date of birth, and address for me, please?","start_word":93,"end_word":125,"intents":[{"intent":"Confirm identity","confidence_score":0.30262417},{"intent":"Confirm identity","confidence_score":0.5453354}]},{"text":"And this address as well. Sorry. 2915 John Street, Kumra. Yep.","start_word":134,"end_word":144,"intents":[{"intent":"Confirm address","confidence_score":0.13161427}]},{"text":"So bear with me as I go through this information. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Yep. Perfect.","start_word":323,"end_word":356,"intents":[{"intent":"Discuss personal details","confidence_score":0.0067625106}]},{"text":"Is the income including super or excluding super? excluding super.","start_word":387,"end_word":396,"intents":[{"intent":"Clarify income coverage","confidence_score":0.00047542367}]},{"text":"And mortgage at about $2.20.","start_word":722,"end_word":726,"intents":[{"intent":"Ask about mortgage","confidence_score":0.0072776433}]},{"text":"Any other new assets or any liabilities or anything that's changed otherwise? No.","start_word":748,"end_word":760,"intents":[{"intent":"Ask about expenses","confidence_score":0.0010196235}]},{"text":"Alright. Perfect. Health and lifestyle, I have you down here as a nonsmoker with no significant health issues. Is that correct? No.","start_word":761,"end_word":782,"intents":[{"intent":"Clarify policy","confidence_score":0.00007630366}]},{"text":"Do you have private health insurance? Yeah.","start_word":785,"end_word":791,"intents":[{"intent":"Confirm health insurance","confidence_score":0.20755407}]},{"text":"That's good.","start_word":801,"end_word":802,"intents":[{"intent":"Express sympathy","confidence_score":0.000108035405}]},{"text":"Estate planning wise, I have here that last time we spoke to you during the interview, it was on your to do list to get a will sorted. How did you go with that?","start_word":823,"end_word":856,"intents":[{"intent":"Describe estate planning","confidence_score":0.0012491303},{"intent":"Request estate plan","confidence_score":0.000044905522},{"intent":"Ask for will sorted","confidence_score":0.0013067201},{"intent":"Explain estate planning process","confidence_score":0.010346115}]},{"text":"What I can do is completely up to you which way you want to go. I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful. Yep.","start_word":887,"end_word":932,"intents":[{"intent":"Offer to send brochures and fm","confidence_score":0.0008509824}]},{"text":"What I can do is completely up to you which way you want to go. I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful. Yep. Perfect.","start_word":887,"end_word":933,"intents":[{"intent":"Explain will process","confidence_score":0.045233592},{"intent":"Explain will process","confidence_score":0.056346007}]},{"text":"I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful. Yep.","start_word":902,"end_word":932,"intents":[{"intent":"Suggest email","confidence_score":0.001206604},{"intent":"Request email with brochures","confidence_score":0.00018260494}]},{"text":"And my mom is 68, so it's just between me and her. So So is that for your your will? which Sorry.","start_word":972,"end_word":993,"intents":[{"intent":"Ask about retirement age","confidence_score":0.00009018957}]},{"text":"So So is that for your your will? which Sorry.","start_word":984,"end_word":993,"intents":[{"intent":"Leave personal information","confidence_score":0.0066121584}]},{"text":"Because, obviously, through a will, you'd have to deal with through a lawyer. yep. But I can send you some just like a brochure and information of a firm that we work with. Now you don't Yep. have to get a will through a lawyer. That is obviously the most comprehensive way.","start_word":994,"end_word":1045,"intents":[{"intent":"Provide will information","confidence_score":0.027544802}]},{"text":"to make a direct nomination, the only ones that are technically valid is a spouse or child, a financial dependent, or if you are in a interdependency relationship. Essentially, Mhmm. Mhmm. what that means is someone who must remain financially dependent on you at the time of your passing. You need to have a close relationship while living together and providing financial domestic and personal care support.","start_word":1604,"end_word":1670,"intents":[{"intent":"Provide financial support","confidence_score":0.00004661502}]},{"text":"So what I might do, if you're happy with that, is I'll just get the team to email you a copy Yep. of the super and the insurance form. That way, when you have a moment, just print them out, complete it, scan it, and send it back, and we will get that all sorted for you. Yep.","start_word":1840,"end_word":1897,"intents":[{"intent":"Resolve issues","confidence_score":0.0012297621}]},{"text":"Does that answer your question?","start_word":2211,"end_word":2215,"intents":[{"intent":"Clarify information","confidence_score":0.021566562}]},{"text":"That's that's fine. And that's yeah. That's totally fine. Yep.","start_word":2515,"end_word":2524,"intents":[{"intent":"Express gratitude for investment","confidence_score":0.000054109863}]},{"text":"Well, what happened in the last twelve months? What were your goals? Did you achieve them? What you wanna set for the next twelve months for a bit of accountability sometimes and if there's any other areas you would like advice on.","start_word":2558,"end_word":2599,"intents":[{"intent":"Discuss goals","confidence_score":0.06387892}]},{"text":"I'm also spending too much money on traveling this year. No. I know that feeling.","start_word":2652,"end_word":2666,"intents":[{"intent":"Discuss travel and travel","confidence_score":0.000009973405}]},{"text":"But I'm just going to Perth. I've just go to That's Queenstown. nice.","start_word":2673,"end_word":2685,"intents":[{"intent":"Discuss equinox trip","confidence_score":0.0062581105}]},{"text":"I didn't realize was because I paid it off so much, it's, like, Yes. always gonna be positive gearing now. So I was like, well, what's I don't really it's like, Exactly. it make it worse. I by me keep paying it out, it kinda make it worse. But now the new the new freaking budget came out, so I Yep. don't even know.","start_word":2824,"end_word":2887,"intents":[{"intent":"Analyze budget changes","confidence_score":0.065770134}]},{"text":"So is that something you would like to look at, like, now or down the track? Or Well, it look. Let let I'll be keen to look at it, but I don't think I'm gonna buy it this year. I was gonna buy it this year because I was gonna buy a property and then buy that because I wanna diversify it. mhmm.","start_word":3203,"end_word":3265,"intents":[{"intent":"Evaluate investment strategy","confidence_score":0.018497694}]},{"text":"And with the contribution limit, so in order to stay within the the tax benefit, so to say, they have a 125% rule.","start_word":3711,"end_word":3733,"intents":[{"intent":"Evaluate tax benefits","confidence_score":0.063187934}]},{"text":"So if it is that you would like a recommendation and you would like us to manage or anything for you, just let me know, and I can always book you in for, like, a separate conversation and just focus on that. Yep.","start_word":3911,"end_word":3953,"intents":[{"intent":"Provide recommendations","confidence_score":0.0022055553}]},{"text":"So you should see two documents at the bottom usually where it says Oakview Financial Services Guide and Oakview Financial Services Guide version four. Can you see those?","start_word":4637,"end_word":4664,"intents":[{"intent":"Obtain documentation","confidence_score":0.00074669684},{"intent":"Confirm understanding of documents","confidence_score":0.0004433018}]},{"text":"We've had a bit Yep. of a update in marketing, a bit of an extension to the team. So if you do wanna go and have a read over them in your own time, you will see all the team addresses and advices. You will see myself listed on there as well if you do wanna put a face to the voice. Yep. Perfect.","start_word":4701,"end_word":4764,"intents":[{"intent":"Provide information about updates in marketing","confidence_score":0.00021116209}]},{"text":"Now if you could open for me, though, the one where it says super and insurance summary.","start_word":4765,"end_word":4781,"intents":[{"intent":"Provide insurance summary","confidence_score":0.07085466}]},{"text":"Again, I won't spend too much time on this because it seems like you are pretty familiar, but, basically, it gives you a rundown of your portfolio in the last twelve months, No.","start_word":4909,"end_word":4941,"intents":[{"intent":"Provide portfolio overview","confidence_score":0.015362698}]},{"text":"Now, obviously, the way that your portfolio overall is structured, you can see that some investment have gone through the roof and, Yep. otherwise, there's been a little bit slower. Like, the Global X, Battery Tech, and Lithium, it's crazy at the moment.","start_word":5084,"end_word":5126,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.0029125558}]},{"text":"And if there is one that is underperforming a little bit and not going to be the best option for you moving forward, we would like to look at changing it for something more suitable. So Yep.","start_word":5352,"end_word":5388,"intents":[{"intent":"Change asset","confidence_score":0.051538054}]},{"text":"So what I will do is I will issue you something that is called a record of advice. Now you Yep. don't have to sign it, but it is for your record so that you have it on what we are doing. And that Yep. is just changing your Benelon to your a 200.","start_word":5664,"end_word":5717,"intents":[{"intent":"Provide guidance","confidence_score":0.0002904921}]},{"text":"So you will receive that in the email as well in the next couple of days to to let you know that we do that change. Again, you Yep.","start_word":5719,"end_word":5747,"intents":[{"intent":"Message and update information","confidence_score":0.0000647955},{"intent":"Deliver information","confidence_score":0.0001606524}]},{"text":"So you will receive that in the email as well in the next couple of days to to let you know that we do that change. Again, you Yep. don't have to change it, but it's for your records so that you can see that we'll do that change for you. Yep. Any questions?","start_word":5719,"end_word":5772,"intents":[{"intent":"Provide information","confidence_score":0.042223837}]},{"text":"Now, otherwise, you will see a Vanguard index chart. I won't go through that with you because, again, it seems like you have pretty good understanding of the market.","start_word":5778,"end_word":5806,"intents":[{"intent":"Confirm understanding of market","confidence_score":0.033852812}]},{"text":"So this one here will ask you to add a a signature and a date, Yep. and that is your ongoing service agreement.","start_word":5895,"end_word":5917,"intents":[{"intent":"Add signatures","confidence_score":0.018998738}]},{"text":"So this one here will ask you to add a a signature and a date, Yep. and that is your ongoing service agreement. Just to say that you are happy to stay on as a client. Now there is Yep. no changes whatsoever in regards to the fee structure. It stays Yep. exactly the same at 1.65. Yep.","start_word":5895,"end_word":5952,"intents":[{"intent":"Confirm agreement","confidence_score":0.4601779},{"intent":"Confirm agreement","confidence_score":0.5131069}]},{"text":"exactly the same at 1.65. Yep.","start_word":5947,"end_word":5952,"intents":[{"intent":"Confirm license","confidence_score":0.00040363648}]},{"text":"And then when you are able to add both those signatures, it should say validate. Yep.","start_word":6038,"end_word":6053,"intents":[{"intent":"Confirm signature","confidence_score":0.016548943}]}]},"sentiments":{"segments":[{"text":"Hey. How's it going?","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.18888969719409943},{"text":"Yeah. Good. How are you? I'm good.","start_word":4,"end_word":10,"sentiment":"positive","sentiment_score":0.4800633490085602},{"text":"What's happening? This is Veronica from OC Financial in case you didn't know. Yep. But I had you booked in for your under review. Is now still a good time for you? Yep. I can have a chat. Okay.","start_word":11,"end_word":49,"sentiment":"neutral","sentiment_score":0.15933503210544586},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.4009857773780823},{"text":"I'll try to make it quick if you are quite busy. But before I do kind of jump in, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I just get you to confirm your full name, date of birth, and address for me, please? Cartoonshoe eleventh February nineteen ninety six. Yep. Yep. And this address as well. Sorry. 2915 John Street, Kumra. Yep.","start_word":51,"end_word":144,"sentiment":"neutral","sentiment_score":0.0909912884235382},{"text":"Perfect. That's exactly what I have here.","start_word":145,"end_word":151,"sentiment":"positive","sentiment_score":0.5035681128501892},{"text":"Now I know my colleague, Whitlam told me that you are quite short for time, obviously, with work, so I will try and make it as quickly as I can for you. Yep. But before I do kind of jump in, I do like to start the under review by asking if there is any specific that you would like me to focus on or any questions or anything that you need help with before I do kind of jump in through the the other side of it? Nope. I'm all good. Okay. Perfect. Now the first thing I will run through is just a bit of an updated fax line. I'll try to make it as quick as possible just to see if there is any major changes that has happened for you because that what that will, allow me to do is see if we need to make any changes or tweaks for any of your advice and making sure it's still appropriate and aligned with your goals. Yes. So bear with me as I go through this information. Now when it comes to your personal details, I have you down here as single with no financial dependents. Is that correct? Yep. Perfect. Occupation wise, has anything changed or still Nope. working as a civil engineer meeting? Income at about 135,000. Yep. Perfect. Assets, I have here some stocks at about 21,000, Wait. Is the income including super or excluding super? excluding super. Excluding super. Yeah. Just leave it at that. Sure. Yep. Okay. Because if it is including, I can just do the math afterwards, and I'll just Oh, note no. No. it It's down. not including. Okay. Alright. I'll It's just about leave it 100 up. 55 including super. So Okay. I'll just note a 155 including super. Now is that you get paid bonuses over time or anything like that or just like Oh, a that base include pay? that include overtime and stuff like that. That includes overtime? Yep. Do you have just your your base pay without overtime? It's very different. Put it this way. It's I'm always gonna I work fifty hours a week, so it's Okay. never It's gonna like, change. right. Yeah. Okay. The reason I do ask is, typically, your employer, if you have if you earn a bonus, they will pay super contributions on that, with over time, they don't. Yes. So it is good if you have some indication of your base pay just so I can make sure that the right contributions from your employer are getting paid. But if you don't have it, that's okay. We can leave it, and I'll just make a note to say that the $1.55 includes super and overtime, and it does fluctuate quite a bit based on your hours. Yep. K. Perfect. Now asset wise, I have some stocks at about 21,000. Yep. Does that sound about Maybe, right? like, 18,000 has went down a little bit. Yes. Bit of bit of fluctuations in the market the last twelve months. Crypto, about 5,000. I think I'm sorry.","start_word":152,"end_word":669,"sentiment":"neutral","sentiment_score":0.05023022450535454},{"text":"I think that's all gone.","start_word":670,"end_word":674,"sentiment":"negative","sentiment_score":-0.35226041078567505},{"text":"That's all gone? Okay. Yep. I'll just remove that. Your property at about 570,000, or do you know if that's increased at all? Look.","start_word":675,"end_word":698,"sentiment":"neutral","sentiment_score":-0.09174882620573044},{"text":"I haven't got it really valued.","start_word":699,"end_word":704,"sentiment":"negative","sentiment_score":-0.38511109352111816},{"text":"Real estate, the app, says $7.30, but 7 around that. Okay.","start_word":705,"end_word":715,"sentiment":"neutral","sentiment_score":-0.12422624230384828},{"text":"That's a nice increase, though.","start_word":716,"end_word":720,"sentiment":"positive","sentiment_score":0.6782647967338562},{"text":"mhmm. And mortgage at about $2.20. 198. Oh, nice. 198. I also have here a motor vehicle of about 10,000. Yeah. Just leave it that. Yep. Okay. Any other new assets or any liabilities or anything that's changed otherwise? No. Alright.","start_word":721,"end_word":761,"sentiment":"neutral","sentiment_score":0.07805971056222916},{"text":"Perfect.","start_word":762,"end_word":762,"sentiment":"positive","sentiment_score":0.4130054712295532},{"text":"Health and lifestyle, I have you down here as a nonsmoker with no significant health issues. Is that correct? No. Yep. Perfect. Do you have private health insurance? Yeah. And that includes hospital as well? Yep. Yeah.","start_word":763,"end_word":799,"sentiment":"neutral","sentiment_score":0.12604138255119324},{"text":"Perfect. That's good.","start_word":800,"end_word":802,"sentiment":"positive","sentiment_score":0.6080224514007568},{"text":"Especially with your income being a high income earner, you don't wanna pay additional tax if you don't have it. Estate planning wise, I have here that last time we spoke to you during the interview, it was on your to do list to get a will sorted. How did you go with that? Is that still kind of on the to Oh, do list, or did you manage to get one sorted? I don't think I even done anything with it. That's okay. What I can do is completely up to you which way you want to go. I can get the team to send you an email with some brochures and a FM that we work closely with with some prices if you would find that helpful. Yep. Perfect. Yep. That Well, way when you do if you can send yeah. me a list of whatever need to be set it up, because at the end of the day, it's just gonna be me and my mom. And my mom is 68, so it's just between me and her. So So is that for your your will? which Sorry. Because, obviously, through a will, you'd have to deal with through a lawyer. yep. But I can send you some just like a brochure and information of a firm that we work with. Now you don't Yep. have to get a will through a lawyer. That is obviously the most comprehensive way. But depending on if your estate is quite simple, like you said, if it's not too complex, Oh, it's Some just people it is just yep. me and my mom. I have one. I don't have any brother or sister. Oh, I have Okay. half brother, but Okay. it was, like, just Yeah. me and my mom, so it's not well, there's no Yep. one else. Yeah. No. So what some people do as well and, again, it is completely up to you if you don't wanna go through the lawyer. You can even just go down to the post office. They do, like, little will kits, Yep. Yep.","start_word":803,"end_word":1154,"sentiment":"neutral","sentiment_score":0.04598752673800019},{"text":"which can be a more affordable option.","start_word":1155,"end_word":1161,"sentiment":"positive","sentiment_score":0.3835046589374542},{"text":"The only thing to be mindful of with that is just reading the instructions carefully and make sure you do complete it correctly. So if something ever were to have happen, it does hold up in court if need be. You're more than welcome to email me a copy if you would like us to keep it on file for you, When you but call it that? is obviously Wheel what? Wheel kit? a will kit. Yeah. From And there are just from, like, a off post. You can usually get one. Yeah. Which is a Yep. lot cheaper. Yep. And sometimes there are even, like, free online ones. Just be careful because some of their t's and c's and some Yep. of them can be a bit, cheeky. So just have a have a bit of a read over it. But, yeah, otherwise, the will kit is a good option if you don't wanna go through, like, the the lawyer side. Yep. Would you like us to still send you the information in regards to, like, the will through the lawyer, or you're Yeah. good? Yeah. Just Still send it through. okay. Yep. I think Perfect. mine is pretty simple, though, as you have no one else outside. Yeah. Yeah.","start_word":1162,"end_word":1372,"sentiment":"neutral","sentiment_score":0.06601139903068542},{"text":"Perfect. That way, at least you have it if anything ever were to change.","start_word":1373,"end_word":1386,"sentiment":"positive","sentiment_score":0.348959356546402},{"text":"Now Mhmm. while we are talking about estate planning, I can see here that we have a nomination for your superannuation, and it is noted out as an other dependent. Do you know the relationship for that person to you? Wait. What? I have a a penance? It's so on your beneficiary form, so you have noted down now apologies because I'm probably not gonna pronounce this name correctly. But Nguyen? Yeah. That's my mom. I just put Yeah. her down. Okay. So that's your mom? Yep. Now with your mom, does she live with you? No. She's No. Okay. Does she okay. So with superannuation, they do make it quite tricky in who you can actually nominate directly through superannuation. So there are a lot of rules and legislation in place with that. So you still very much can give it to your mom, but that is no problem. We would just have to change the way that it's structured, which is a little bit of a tedious process, but it is at least the way you can give it to her because I have so many clients who it's like, well, if I were to give it to a nephew and niece or my parents, brother and sister, how do I do that? So Yes. to make a direct nomination, the only ones that are technically valid is a spouse or child, a financial dependent, or if you are in a interdependency relationship. Essentially, Mhmm. Mhmm. what that means is someone who must remain financially dependent on you at the time of your passing. You need to have a close relationship while living together and providing financial domestic and personal care support. So if your mom doesn't fall into that category, the way that we would change it is that on the form, we would change it to a 100% being to your legal personal representative. Basically, that is a fancy word for reverting back to your will. Then in your will, you can stipulate that you would like it to go to you would like your superannuation and insurances to go to your mom. Yep. The the only reason we have to do it this way is because superanninsurances does not form K. part of your estate. Yep. Does that make sense? Yep. That's Okay. fine. Yeah.","start_word":1387,"end_word":1776,"sentiment":"neutral","sentiment_score":0.021649352012154385},{"text":"Look. Perfect.","start_word":1777,"end_word":1778,"sentiment":"positive","sentiment_score":0.4997797906398773},{"text":"That's just me and my mom, and she's never gonna need it. So Yeah. But in the event you rather have something in place if Yep. something ever were to happen now do you have access to a printer at all, or would you like us Yep. to post these out to you? Yeah. I do have a printer. Printer. Okay.","start_word":1779,"end_word":1839,"sentiment":"neutral","sentiment_score":0.08648106663442048},{"text":"So what I might do, if you're happy with that, is I'll just get the team to email you a copy Yep.","start_word":1840,"end_word":1861,"sentiment":"positive","sentiment_score":0.3548640012741089},{"text":"of the super and the insurance form.","start_word":1862,"end_word":1868,"sentiment":"neutral","sentiment_score":0.3083251118659973},{"text":"That way, when you have a moment, just print them out, complete it, scan it, and send it back, and we will get that all sorted for you.","start_word":1869,"end_word":1896,"sentiment":"positive","sentiment_score":0.3746183812618256},{"text":"Yep. And then, obviously, when you have a sec, have a look at that will as well. Yep. Okay.","start_word":1897,"end_word":1915,"sentiment":"neutral","sentiment_score":0.1732359081506729},{"text":"Perfect.","start_word":1916,"end_word":1916,"sentiment":"positive","sentiment_score":0.40845751762390137},{"text":"Now, otherwise, do you are you politically exposed to earn an income overseas at all? You mean from overseas? Yeah. Do you earn, like, a income are you a tax resident in any foreign jurisdiction? I am a dual citizen, but, yeah, I'm not earning any money from overseas. No. No. No. That's okay. I'm the same. I have dual citizenship, but I don't earn income overseas. So, Oh, no, that is which all one good. did you I'm Swedish. have? Alright. Fair enough. Yeah. What about you? Vietnamese. Oh, yeah.","start_word":1917,"end_word":2007,"sentiment":"neutral","sentiment_score":-0.035466667264699936},{"text":"Nice. It's nice Yep.","start_word":2008,"end_word":2011,"sentiment":"positive","sentiment_score":0.47974544763565063},{"text":"that at least the countries allow it because I have so many friends. Different parts of Europe don't do it. Like, Denmark Yep. is our neighboring country. They don't do Jules, so then you have to Yep. choose. And because, obviously, living in Australia. Yeah. That's it. Question as well. If there's Yes. will if I'm like, if, let's say, I got my name on my mom's will and stuff like Yep. that or some sort of gift, does that play any part in this or not really? No. So the will is you Yep. can do whatever you want to. On on here, it is just to say so on the super insurance form, literally, the only thing it will be is Yep. tick a box that says LPR, which is legal personal representative, a 100%, And that just says that it just goes straight to your will. Then in your will, you can have everything under the sun of your assets or whatever it is that you want that is completely separate. It just means Yep. that it reverts to the one estate instead of having to deal with super insurance separate to the estate. Yep. Yep. Does that answer your question? It was just the other way around. I was asking because you were asking if I'm earning money from overseas. It's more like Yes? if I got my my mom's including me in her will, does that Okay. do anything have to No. be listed in No. That's okay. It's more so if you are earning, like, a regular income overseas, especially for some some countries if there's, like, double tax system and stuff.","start_word":2012,"end_word":2289,"sentiment":"neutral","sentiment_score":0.031434948810731334},{"text":"It's just good for us to know, obviously, if we are doing your finances and stuff Yep.","start_word":2290,"end_word":2306,"sentiment":"positive","sentiment_score":0.34740743041038513},{"text":"Yep. if you are getting, like, double tax or depending on which country you're earning a regular income from. But if right now you are not receiving, like, a little gift and stuff, that's perfectly fine. That happens, especially when you have, obviously, dual citizenship. It's more so if you are earning, like, a regular income overseas or, like, have Yep. an investment property overseas and and that kind of When I say little gift, it's not so much little stuff. gift. But, anyway, Okay. So what was that? Sorry. it's not like I was asking, like like, in they can send me, like, you know, like, wheels and gift and stuff. Like, not I I quite gift, but, like, let's say mom let's say Mhmm. she transferred me, like, a million dollar or whatever. Yep. That doesn't pay any part because it's all, like, wheels and stuff that doesn't play any part in my Yes. yeah. That was that was Yep. my question. Okay. Yes. No. That is correct. So It when would I just ask be gift, it's, like, will and gift in, like, in the range of 100 yes. to million or stuff like that. That's what my Yes. question was. Okay. Yes.","start_word":2307,"end_word":2512,"sentiment":"neutral","sentiment_score":-0.0411203630196238},{"text":"You can. That's that's fine. And that's yeah. That's totally fine.","start_word":2513,"end_word":2523,"sentiment":"positive","sentiment_score":0.4716359972953797},{"text":"Yep.","start_word":2524,"end_word":2524,"sentiment":"neutral","sentiment_score":0.30140846967697144},{"text":"Yep. Perfect.","start_word":2525,"end_word":2526,"sentiment":"positive","sentiment_score":0.5210895538330078},{"text":"Now, otherwise, when it comes to goals, the stuff that you are focusing on, now it is usually a good point during annual review to kind of check-in to see, okay. Well, what happened in the last twelve months? What were your goals? Did you achieve them? What you wanna set for the next twelve months for a bit of accountability sometimes and if there's any other areas you would like advice on. Yep. So I can see here that when you spoke to my colleague, last year, your main focus was just to pay down the mortgage essentially and to kind Yep. of build up a bit more of a saving. Is that Yep. still kind of your main focus? Yeah. Pretty much better. I'm also spending too much money on traveling this year. No. I know that feeling. Where are you going anywhere, fun? But I'm just going to Perth. I've just go to That's Queenstown.","start_word":2527,"end_word":2684,"sentiment":"neutral","sentiment_score":0.12850573658943176},{"text":"nice.","start_word":2685,"end_word":2685,"sentiment":"positive","sentiment_score":0.34055617451667786},{"text":"I went to Perth Oh, in yeah. Easter. I went to Queenstown in like, last weekend, and I'm going to I don't I'm gonna take each trip in Oh, beautiful. And where is there, Kentucky? September. It started in Amsterdam and finished in London. Oh, nice. Is that Yep. during summer over there? So, like, June, July, Yep. August sometimes? Oh, That's that'd be it. nice. I'm jealous. Yeah. I think it was just more like I what I realized was that well, now the freaking federal budget came out. It's kinda I don't even know what I'm what I know was because I was I just trying to keep Yeah. paying it down, but I was gonna buy Yep. another property anyway with cash, sort of with cash, and Yes. and make this investment. However, Mhmm. I didn't realize was because I paid it off so much, it's, like, Yes.","start_word":2686,"end_word":2836,"sentiment":"neutral","sentiment_score":0.019223679856255355},{"text":"always gonna be positive gearing now.","start_word":2837,"end_word":2842,"sentiment":"positive","sentiment_score":0.3977146744728088},{"text":"So I was like, well, what's I don't really it's like, Exactly.","start_word":2843,"end_word":2854,"sentiment":"neutral","sentiment_score":-0.2979767918586731},{"text":"it make it worse. I by me keep paying it out, it kinda make it worse.","start_word":2855,"end_word":2870,"sentiment":"negative","sentiment_score":-0.6001079678535461},{"text":"But now the new the new freaking budget came out, so I Yep. don't even know. And even with the the capital gains, it used to be Yeah. obviously so competitive for an investment property or any investments really as well. Yep. That's obviously all changing. So, yeah, it will be interesting to see how things are changing, but also if it is driving property prices or anything because people might hold on to the investment properties longer because, obviously, if you bought it before the change. Yep. So, yeah, very interesting to see what happens. And I think a lot of people in the same thinking process as you were, it's like, oh, well, my goal was to buy an investment property, but I don't know Yep. if I do wanna go down that way anymore. Yep. And if it is that you want to expand outside property, like, if you I know you have overseas in stocks and stuff that you are managing. But if it is that you do have a bit of spare money and you would like advice on, you know, investment bonds or different type of investments to diversify things elsewhere, just let us know because we can always book you in for a catch up. I know you're really busy, so you probably don't have Yeah. a lot of time. But Well, whenever you do one thing I one thing I was gonna look at was what do you call that? Five five. Okay. Generation wealth? Is that what you call Generation it? The bought Life? yeah. Generation Life. Yep. Yeah. The one where you put in Investment bonds. and you Yes. got it after ten years. Yeah. Yeah. So that is something that we do a lot for a lot of clients. So we have a lot of different investment bonds. There's different providers and stuff, but Generation Yep.","start_word":2871,"end_word":3187,"sentiment":"neutral","sentiment_score":0.04304906353354454},{"text":"Life is really competitive.","start_word":3188,"end_word":3191,"sentiment":"positive","sentiment_score":0.4250326752662658},{"text":"It is one that we use quite frequently as well. Yep. So is that something you would like to look at, like, now or down the track? Or Well, it look. Let let I'll be keen to look at it, but I don't think I'm gonna buy it this year. I was gonna buy it this year because I was gonna buy a property and then buy that because I wanna diversify it. mhmm. Okay. But it's like anyway, it I'll keep I would definitely look at it because I know what I realized was the first year that you put in, Yep. you cannot put more than than, 10 I'm gonna say more than $2 or whatever the following year. So you always have to put the first one in, like, a massive chunk is what I've got out of it. Yes and no.","start_word":3192,"end_word":3336,"sentiment":"neutral","sentiment_score":0.141924983468549},{"text":"So with Generation Life specifically, it is correct. The first twelve months, there is no limit. So you can put it however much you want.","start_word":3337,"end_word":3361,"sentiment":"positive","sentiment_score":0.4773012697696686},{"text":"Yes. Now the thing to be mindful of is when it comes to stamp duty because it's classified as a life insurance product. Yeah. So, typically, if we are looking at a larger sum, so if we're looking at anything over 50,000, Yep. obviously, this is not a recommendation because I'd have to do the research. But typically speaking, you would put Yeah. 50,000 in because you do not wanna trigger stamp duty. Because anything under 50,000, the generation life will cover the stamp duty. Anything over that, you will have to pay for the stamp duty yourself. So because there is no Oh, so limit, I don't wanna put more. Don't wanna put less than 50. you you can you can definitely put more if you want to. You Yeah. would just do it as, like, a starting would be, like, 50, for example. And then let's say two days after. So within the first twelve months, you can put however much. So if, for example, let's say you were to invest 200,000, let's say, the Mhmm. way that in the first year, the way that we would typically structure it Now, again, it would depend on what research and stuff will say. But typically speaking, you would put 50,000 on day one as a starting balance. Yep. Day two, you could put a 150,000. You do Mhmm. not have to pay stamp duty that way because Generation Life will. So that is how you would structure it to start with to circumvent the stamp duty.","start_word":3362,"end_word":3618,"sentiment":"neutral","sentiment_score":0.06969899524742527},{"text":"So it's pretty clever Yep. that way.","start_word":3619,"end_word":3625,"sentiment":"positive","sentiment_score":0.7080933451652527},{"text":"And with the limits so, yes, from a tax efficiency point of view, because that is often why you would do an investment bond, because you don't have to pay obviously, it doesn't get added to your taxable income after the ten years, and you don't have to pay any personal capital gains on it.","start_word":3626,"end_word":3680,"sentiment":"neutral","sentiment_score":0.3231976628303528},{"text":"So it is very effective from a tax point of view, but you do have to have it for that ten ten And you year can't period.","start_word":3681,"end_word":3707,"sentiment":"positive","sentiment_score":0.36222121119499207},{"text":"withdraw it. Yes. And with the contribution limit, so in order to stay within the the tax benefit, so to say, they have a 125% rule.","start_word":3708,"end_word":3733,"sentiment":"neutral","sentiment_score":0.2250685840845108},{"text":"So that is kind of what you were alluding to, which is correct.","start_word":3734,"end_word":3746,"sentiment":"positive","sentiment_score":0.3614282011985779},{"text":"So the first year, you can put however much you want. The second year, you can only put up till a 125% of the previous year without Yep. triggering the the reset. You can do a lot less, but if you do less, the year after that, you can only do a 125% of that. So Yep.","start_word":3747,"end_word":3803,"sentiment":"neutral","sentiment_score":0.037716057151556015},{"text":"it is trickier in that way to structure it.","start_word":3804,"end_word":3812,"sentiment":"negative","sentiment_score":-0.3780171871185303},{"text":"Yep. Does that answer that question? That's Yep. probably a Oh, long yeah. winded No. I've got phone I've got number. a friend who's doing it, and he was telling me about that. Yeah. I was like, now that I think about the whole new types thingy, it's like, it'll be good. Like, it'll be good for me to know more about Yeah. And if it is true, like, when you when you have time, if it is because we do all that research all the time, and we work very closely with Generation Lights. it. Yep.","start_word":3813,"end_word":3909,"sentiment":"neutral","sentiment_score":0.134872168302536},{"text":"So if it is that you would like a recommendation and you would like us to manage or anything for you, just let me know, and I can always book you in for, like, a separate conversation and just focus on that.","start_word":3910,"end_word":3951,"sentiment":"positive","sentiment_score":0.34313613176345825},{"text":"Yep. Yep.","start_word":3952,"end_word":3953,"sentiment":"neutral","sentiment_score":0.2937275171279907},{"text":"And I can then go and put a proposal and a recommendation together for you if it Mhmm.","start_word":3954,"end_word":3971,"sentiment":"positive","sentiment_score":0.3536509871482849},{"text":"is something that you are wanting at any point in time. Yep. Oh, Yep. I I do wanna it was just more hours waiting for cash from overseas and the exchange Yep. cheap at the moment. So it's like depending Just the timing. on how much does that convert to oh, no.","start_word":3972,"end_word":4023,"sentiment":"neutral","sentiment_score":0.011849158443510532},{"text":"It's worse for me because the cash come from overseas, so it's like the dollar exchange is really bad.","start_word":4024,"end_word":4042,"sentiment":"negative","sentiment_score":-0.5483438968658447},{"text":"Yeah. Yeah. Okay. Yeah. And I remember that too, like, when I was because I did my all my uni university degree serving Australia, Yep. but as an international student. And with I had to transfer money from Sweden over to Australia to pay for my university degree. Yep. And he was just like, sometimes I was like, oh, this is great. I'm getting so much money. And other times, it's like, ugh. This barely covers anything. So the exchange rate is can be a bit tricky at times as And, well. like, because I'm transferring transferring a buckles, I'm like, the different at the moment, you're talking to different, like, $400. So I'm Yes. like, oh, I'm not Yes. I'm not And then doing the that then. no. And then the bank fees as well depending on how you do it. So if you store the Yep. bank or if it's other platforms, there's a lot of different things nowadays that is making it easier and more affordable to transfer money from overseas, Yep. but there's still obviously fees and stuff, you know, involved in all that. Yep. Sorry. I'll I'll get that. Now I'll try to make this quick for you. That was Yep. basically all of the personal information I needed to run through with you. Now because you are pretty across when it comes to investments as well, I'm happy to skip going through the risk profile questionnaire Yep. because we have done that a couple of times, but I just wanted to make sure that you are still comfortable with what you have. So at the moment, we have you invested in a high growth portfolio. Do you remember what it means to be, or are you quite familiar what it means to be a high growth investor? High risk, high risk, high reward, high volatile, isn't it? So just leave Yeah. it there. Yep. Okay. Yep.","start_word":4043,"end_word":4364,"sentiment":"neutral","sentiment_score":0.026552228118229357},{"text":"Perfect.","start_word":4365,"end_word":4365,"sentiment":"positive","sentiment_score":0.5538129806518555},{"text":"And asset wise, typically, we say 90% in your growth assets. So, obviously, your Australian shares, international shares property maximize that growth for you, and about 10% in defensive, like your cash or gold, your fixed interest, your limit fluctuations a little bit, but the main focus is growing that. When it comes to a time frame, we also wanna make sure you have enough time in the market for those fluctuations, which you certainly do. So high growth, we wanna allow a minimum of eight years to retirement, which, again, you have plenty of time until retirement in order to try to grow that.","start_word":4366,"end_word":4470,"sentiment":"neutral","sentiment_score":0.2980094254016876},{"text":"So you are happy with high high high growth?","start_word":4471,"end_word":4479,"sentiment":"positive","sentiment_score":0.47816410660743713},{"text":"Yep. Yep.","start_word":4480,"end_word":4481,"sentiment":"neutral","sentiment_score":0.14825114607810974},{"text":"Perfect.","start_word":4482,"end_word":4482,"sentiment":"positive","sentiment_score":0.3699091970920563},{"text":"Now do you have access to your emails at the moment? Yep. Yep. Perfect. Yep. So what I have done is I have to send you an email with some documents to go through quickly. I'll skip the ones that I don't have to go through, again, to save you time. But did that email come through okay? Yeah. I saw that. Yeah. Okay. Perfect. So we have recently changed the software, so it might look a little bit different to what you were used to. But if you can click on the email for me now before you click on the link where it says sign now, at the bottom, you should see a couple of attachments. Can you see those? So I only see your signature. Yep. yep. You can see them? Yep. I see Vanguard. I see Yes. twelve months. I did the currency. Yep. Those are the ones.","start_word":4483,"end_word":4634,"sentiment":"neutral","sentiment_score":0.09801025688648224},{"text":"Perfect.","start_word":4635,"end_word":4635,"sentiment":"positive","sentiment_score":0.5045566558837891},{"text":"So you should see two documents at the bottom usually where it says Oakview Financial Services Guide and Oakview Financial Services Guide version four. Can you see those? Yeah. Yep. I won't get you to open them. They are the same as every year, just an updated version. It's one of those compliance documents, gives you all the important information regarding us here at Oakview. We've had a bit Yep. of a update in marketing, a bit of an extension to the team. So if you do wanna go and have a read over them in your own time, you will see all the team addresses and advices. You will see myself listed on there as well if you do wanna put a face to the voice. Yep.","start_word":4636,"end_word":4763,"sentiment":"neutral","sentiment_score":0.05464690923690796},{"text":"Perfect.","start_word":4764,"end_word":4764,"sentiment":"positive","sentiment_score":0.4944773018360138},{"text":"Now if you could open for me, though, the one where it says super and insurance summary. Super and yep. Yep.","start_word":4765,"end_word":4785,"sentiment":"neutral","sentiment_score":0.1777341514825821},{"text":"Perfect.","start_word":4786,"end_word":4786,"sentiment":"positive","sentiment_score":0.49440932273864746},{"text":"Now that shows you your current situation. So it shows you that you have superannuation with hub twenty four, and you do Yep. have about 77,632 in there. You also have some Neos insurances. You have life and TPD, 623,432, and an income Yep. protection, which will pay you a monthly amount of 7,068 per month, thirty day waiting period, five year benefit period. You get a tax rebate. The wage structure is through super, and total premium is 1,302. Are you still Yep. happy with the level of cover and your insurances and stuff? Yep. That should be fine. Yep. Okay.","start_word":4787,"end_word":4888,"sentiment":"neutral","sentiment_score":0.16588395833969116},{"text":"Perfect.","start_word":4889,"end_word":4889,"sentiment":"positive","sentiment_score":0.3904803693294525},{"text":"Now the other one is then your twelve month performance report. It should be the second attachment. Yep. Yep. Again, I won't spend too much time on this because it seems like you are pretty familiar, but, basically, it gives you a rundown of your portfolio in the last twelve months, No. how they have performed, what you have in each option after fees. So, basically, in a summary, obviously, there's been a lot of fluctuation in the market like you touched on as well in the last twelve months. Bit of fluctuations, bit of up and down. Despite all of that, though, your portfolio has still done pretty good overall. So in the last twelve months, after all fees, your portfolio has gone up by 10.54 In accounting term, in bracket is negative. Right? percent. Yes. So in the Jesus. top one This the long the long equity is a bit and that's it's going the one down I would a bit. do wanna, yeah, that's the one I wanted to talk to you about. I think my colleague, Whitla, mentioned mentioned that. So I do wanna talk to you about that one. Now, obviously, the way that your portfolio overall is structured, you can see that some investment have gone through the roof and, Yep. otherwise, there's been a little bit slower. Like, the Global X, Battery Tech, and Lithium, it's crazy at the moment. Obviously, fuel prices, electric vehicles, that one has done amazing. So the way Yep. that, obviously, your portfolio is structured is structured is you do wanna obviously balance things out and have a bit of diversification. Now the Bennelong Yep. investment, I do wanna touch on, and I would like to look at changing this if you are happy with it. So with the Bennelong investment, that was obviously added to your portfolio. It is a managed fund, so they're obviously trying to actively buy and sell different investments in order to try to outperform the market. It works slightly Yep. different to your ETF structure. Now Yes. they have done really well and been very competitive, and more recently, they've been a little bit slower with making their investment decision. And, also, one of the investments that they actually had in their portfolio was the corporate travel group. Not Mhmm. sure Yep. if you heard about them, but they had a bit of issues with their reporting. So they were suspended from trading, which obviously saw a bit of a a dip. So Yep. with the Bendalong Investments, the investment committee, we do a lot of research on the investments all the time because the good thing with hub twenty four is there's hundreds of different investment options for us to choose from.","start_word":4890,"end_word":5350,"sentiment":"neutral","sentiment_score":0.048765955408004776},{"text":"And if there is one that is underperforming a little bit and not going to be the best option for you moving forward, we would like to look at changing it for something more suitable.","start_word":5351,"end_word":5385,"sentiment":"negative","sentiment_score":-0.3671292960643768},{"text":"So Yep. we have done a lot of research, and we have found one that is quite competitive, which Yep. is called your beta shares a 200. Have you heard of Yep. that one? I've heard of yeah. It's just Yeah. another equity, even if, like, it just It's another one, but it is your ETF. So instead of having that so managed fund component yep. oh, so ETF. So it's yep. Got it. Yep. Got So because of because of it so, basically, it's it will be cheaper for you than the Benelon because it doesn't have the active management. it. But Yep. we're obviously, because we are removing one Australian investment, we do wanna replace it with another one to keeping that diversification and everything across your portfolio. The Benel the BetaShares a 200 invests in their 200 largest companies listed e on the ASX. So very Yep. diversified. It is cheaper than the Benelong for you, and has performed a little bit better. It is a little bit more stable because it is that ETF. So, obviously, as the company grows and gets bigger, gets into the 200, it gets Yep. added, something comes out. Yep. So are you happy for us to go ahead and make that switch removing Ben along and adding the BetaShares a 200 for you? Well, you guys well, you are the you are the adviser. So whatever you think is not suitable for next twelve months, then we'll go for it. Okay. Yep. And we have done a lot of extensive research on it.","start_word":5386,"end_word":5648,"sentiment":"neutral","sentiment_score":0.1251884400844574},{"text":"I just wanted to triple check that you are happy for us to do that.","start_word":5649,"end_word":5663,"sentiment":"positive","sentiment_score":0.39389002323150635},{"text":"So what I will do is I will issue you something that is called a record of advice. Now you Yep. don't have to sign it, but it is for your record so that you have it on what we are doing. And that Yep. is just changing your Benelon to your a 200.","start_word":5664,"end_word":5717,"sentiment":"neutral","sentiment_score":0.18938910961151123},{"text":"So you will receive that in the email as well in the next couple of days to to let you know that we do that change. Again, you Yep. don't have to change it, but it's for your records so that you can see that we'll do that change for you.","start_word":5718,"end_word":5768,"sentiment":"positive","sentiment_score":0.36365172266960144},{"text":"Yep. Any questions? Nope. That's all. No. Okay.","start_word":5769,"end_word":5776,"sentiment":"neutral","sentiment_score":0.0501573346555233},{"text":"Perfect.","start_word":5777,"end_word":5777,"sentiment":"positive","sentiment_score":0.5001013278961182},{"text":"Now, otherwise, you will see a Vanguard index chart.","start_word":5778,"end_word":5786,"sentiment":"neutral","sentiment_score":0.25107234716415405},{"text":"I won't go through that with you because, again, it seems like you have pretty good understanding of the market.","start_word":5787,"end_word":5806,"sentiment":"positive","sentiment_score":0.3348380923271179},{"text":"But, basically, from here, if you are happy to do so, it will be if you are happy to press sign on the document that is there, Yeah. you will get you to sign, let me see, two documents. Now one of them is your ongoing service agreement. Can you see that one? Yeah. I clicked sign document. So whatever this platform is bringing me to Yep. Let me on see. consent a new ongoing fee arrangement, Yes. and then That's the one I'm talking about. Yes. yep. So this one here will ask you to add a a signature and a date, Yep. and that is your ongoing service agreement.","start_word":5807,"end_word":5917,"sentiment":"neutral","sentiment_score":0.16935333609580994},{"text":"Just to say that you are happy to stay on as a client.","start_word":5918,"end_word":5930,"sentiment":"positive","sentiment_score":0.5468209981918335},{"text":"Now there is Yep. no changes whatsoever in regards to the fee structure. It stays Yep. exactly the same at 1.65. Yep. It is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But, otherwise, this Yep. lets us service your account and manage everything for you in the meantime until next time review where you have to sign another one. And then the last one is a tax file number. It Yep.","start_word":5931,"end_word":6017,"sentiment":"neutral","sentiment_score":0.1218949258327484},{"text":"is a compliance form just to say we are keeping your tax file number secure and safe on file.","start_word":6018,"end_word":6036,"sentiment":"positive","sentiment_score":0.3411097228527069},{"text":"Yep. And then when you are able to add both those signatures, it should say validate. Yep. Can you see that? Yep. Yep. And when you press validate, it should then load and send it back to me. Yeah.","start_word":6037,"end_word":6075,"sentiment":"neutral","sentiment_score":0.2050410509109497},{"text":"Done. Perfect.","start_word":6076,"end_word":6077,"sentiment":"positive","sentiment_score":0.46098384261131287},{"text":"I'll just refresh that on my end. Now while I wait for that to come through, just recapping, I am sending you that record of advice to show you that investment switch. Yep. I'll also get the team to send you the information in regards through the will and some pricing along with the beneficiary forms for your super and insurances so that we can change it through the will so that you can give it to your mom if something were to happen to you.","start_word":6078,"end_word":6163,"sentiment":"neutral","sentiment_score":0.20717686691949533},{"text":"Yep. Perfect. Now I have seen that that come through, which is perfect. That was everything on my end. Do you have any other questions or need anything else from me otherwise before I let you go and enjoy the rest of your afternoon? All good. Thank you. All good? Perfect. Like I said, if it is that you do wanna explore that investment bond or anything else further, we're always here.","start_word":6164,"end_word":6235,"sentiment":"positive","sentiment_score":0.5298473834991455},{"text":"Just give us a call if there's anything that you do need. Okay? Yep.","start_word":6236,"end_word":6249,"sentiment":"neutral","sentiment_score":0.3146667182445526},{"text":"Thank you. Okay. No problem at all. I look forward to speaking with you soon again, and you enjoy the rest of your afternoon. You too.","start_word":6250,"end_word":6275,"sentiment":"positive","sentiment_score":0.7098648548126221},{"text":"Bye.","start_word":6276,"end_word":6276,"sentiment":"neutral","sentiment_score":0.32442861795425415},{"text":"Thanks. Bye.","start_word":6277,"end_word":6278,"sentiment":"positive","sentiment_score":0.4763871133327484}],"average":{"sentiment":"neutral","sentiment_score":0.09347619607725743}}}}