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That's why we tend to call twice and then send a text message just so you know it is us because life life gets in the way. It's completely understandable. I had to put in easy. I had to put in negotiate and review there. As part of today's call, is there anything particular that you wanted to maybe touch base on or talk about, or is there any questions that you have for me specifically? Yeah. Absolutely. So I do actually have a report here in front of me to give you an idea of that. Now the report I'm looking at here with regard to your super is from the last twelve months. So whilst the markets are a bit volatile there and we are seeing those ups and downs, the net return your portfolio has seen is still a positive 11.6%. That's net return after fees. Yeah. So it's still seeing a positive return, which is really good. There are some investments. I'm just having a look at what you've got in there underlying. Yeah. No. Look. Everything is doing quite well. So just have me look at your what portfolio you're in as well because I believe there might have been some changes in the past. But to go through what we are going through and still see a positive return is a positive thing, which is good. 2022. Sorry. My computer's a little bit slow this afternoon there. 2022. We had a reduction. So, yeah, we moved into more of a moderate portfolio around about 2022 there. And if I look at the difference between that and what you have in there at the moment, there are still some differences. Let me find. Let's see. Sorry. My computer's a little bit slow. Just trying to pull this report up to really see what you've got in there and have a bit of a look back at your past history with alterations. When I kinda look at everything and everything is going really well, there are a few that are showing a little bit of a dip at the moment, but as a whole, your portfolio is up, which is a positive thing. Sort of looking forward at where you are, and I know I can see that you have accessed your super a bit over the past couple of years. And the last time we were able to catch up was, like, 2024 when we did your annual review then, and you were looking at selling the investment property back then. How did you go, and do you still have that with you? And how's things? Yeah. You did sell that, so that's gone now? Yep. That's okay. When did you end up selling it? Okay. Perfect. And do you still have some of the funds left over from that? Or yep. Perfect. Yeah. No. That's okay. How much do you have in the bank there at the moment savings wise? Okay. Perfect. And you're happy just leaving it sitting in that account at the moment that you can access when you need to? Yep. Yep. Okay. Perfect. Yeah. Yeah. Okay. No worries. It's not a term deposit or anything. Yeah. No. That's okay. Yep. For cash. Yeah. Understandable. Absolutely. All good. Now moving forward because at the moment, the last thing we sort of had noted here was that you're not working. You're still not technically working. Are you receiving any government benefits at all? Okay. Yep. Perfect. Casual work. And they're not paying any contributions into your super or anything for that casual work you're doing, out there? Because I can't see any going in. Okay. Okay. No. That's okay. A bit of that here and there. And how much are you sort of averaging you make when you do some of that work? Depending on the hours. Okay. Perfect. 30,000 a year. Lovely. And how long do you think you'll continue kinda wanting to do that for? Yeah. That's okay. Not a problem at all. The main sort of reason I'm asking that question is because of your age where you are at the moment and with working casually, essentially, on and off, if you were to stop working completely, you can access your super. Notably, your balance isn't probably as high as what we would like it to be to be able to do that, but you do have access to that. And there are things advice I can put in in place for you to help you be able to draw down a little bit of income if you happen to need it. When you get close to the age pension age, I'd definitely like to look at whether you're eligible for that and how much you might get from that and maybe supplement super with that if you're if you're able to do so just to kind of make sure we're getting longevity there. But do you sort of need to access any funds at the moment with a 100,000 sitting aside and, like, at casual work, you're kinda comfortable? Yep. Yeah. I'm sorry. Yeah. Okay. Yeah. No. That's really good. Thank you for updating that. I do appreciate it. And, look, if you ever do need to, let me know. I know in the past we've had to do transactions without advice and things like that. But if you are at a point where you maybe wanna start drawing down a bit of an income or looking at updating things that way, let me know. I'm happy to have a chat about where you are, what your options are, and what we can do to help. Having a bit of a look at the way things are at the moment, there might not be a need to do or update the advice just yet, but I'd like to definitely, after the review today, maybe do a catch up in a few months' time with you just to see where things are up to, see where things are changing, and just maybe keep a little bit more close an eye on where things are up to for you so we can kind of, note when changes need to occur or when advice needs to occur. But it also means that you don't have to contact us. We'll be contacting you to make sure that we're updating your circumstances a bit more regularly for you. Does that sound okay? Yep. Perfect. And you're at the moment, so the next thing I have here is your balance, which is a really great question. As of the 03/23/2026, your balance inside Superdair is 152,314 and 31¢. Yeah. So it is definitely up from where it was. The dollar figure, I said it was 11% return or 11.06% sorry. 11.06% return as a net. As a dollar figure, it equates about a $15,000.348 return. So you've made out of your super $15,348 with that 11 percent return. It does sound quite small, but because there is no contributions going in, it's solely just that the portfolio can do. Yeah. So, like, it's doing well. It is still ticking over. It has still made a really good solid return there. However, we are gonna see a bit more volatility in the market over the next couple of months with what's happening, so we will see those fluctuations coming and going. I would just like to maybe do a bit of a risk profile to sort of see whether we're gonna make any changes to your portfolio for you or whether you're sort of comfortable going through those ups and downs. Are you sort of thinking you probably don't wanna access super maybe until 6767. Beautiful. I'm so sorry. My phone is just freezing, and my computer is a little bit slow this afternoon. So if if I cut it out at all, please let me know. Gotta love technology when it wants to work there, doesn't it? All good. My computer is really having a moment. I'm trying to go to the next document for you. All good. So I'll work on the age of 67 there, which is fantastic. And you're sort of living on about that sort of 20 to 30,000 as well that you're earning casually over the course of the year. Are you finding you need to sort of draw down on that money you have sitting in the bank very often to help you along, or is the casual work sufficient for what you have? Yep. Okay. Fantastic. So your living expenses are fairly low at the moment, which is good. Beautiful. And your main primary residence, you mentioned you were selling the unit. You're living in the unit now. That's your main primary residence. Is that right? Yeah. And what's the time frame do you have before you're sort of hoping to sell that one? Yep. Okay. Perfect. And move to the bush. Have you got an idea? I've been looking at where you'd like to move to and what sort of property you're after. Yeah. Beautiful. Oh, nice. Whereabouts down there? Oh, beautiful. That's my neck of the woods. Yeah. Yeah. So I was born and bred in Murwillumbah, and I live at Tweed. So that's the Northern New South Wales. Northern Rivers is my neck of the woods. Yeah. It is really nice, isn't it? It's nice and quiet. It's lovely town. It's beautiful. Oh, fantastic. Fantastic. Sorry. I'm just looking. Now I'm just also sending you through an annual review pack, which will be in your email at the end of the call there as well, Nigel. It does take you through, obviously, the reports that we have showing that 11% return that you have received for the year. It also gives you a summary of your balance. It also has the financial services guide attached as well, which takes you through everything about who we are, what we do, and how we do it. It has all of my licensing information in there for you as well. I know we have submitted in the past. I have done any reviews for you. My voice probably sounds a bit different today than it has in the past. I do apologize about that. Essentially, having a look through that, it'll give you a bit more of an idea about who we are, what we do, how we do things. And it's just really important that this year moving forward because you are so close and in those ages where you're able to access Super that we do monitor things a bit more closely for you, and that when the time comes that we're able to access it. I do wanna, as I mentioned, do a bit of a risk profile with you as well today because it's important to sort of have a look and see whether we're gonna make any changes to your portfolio. I know you would have received a record of advice in an email a few days ago. Do you remember receiving anything, noting we were making some changes to your portfolio there at all? No. That's okay. One of your previous that's okay. One of your previous underlying investments was Ben along Australian Equities. It has been over the past couple of months underperforming. So we have made some changes and have made a decision as a business to remove that investment. So it has been removed out of your portfolio. You'll probably see in your email there a bit of a what's called a record of advice, just letting you know that we were gonna make that change for you. So but if you do see that, feel free to have a read through it. Let me know if you have any questions in relation to it, but that those investments have been changed out of there. So instead of having a bend along Australian equities, which under was underperforming, we've now put in its place the Australian 200, so the beta share is a 200. And that essentially sorry. That's still giving you exposure to Australian equities, which is important, but it's more of a lower cost passively managed funds. The idea of the a 200 is that you're invested and you're tracking the top 200 companies on the ASX instead of having an investment manager trying to outperform the market. When we look at passive versus active management, tracking an index, and just participating in the market even through the ups and downs, over the longer term, you do tend to come out in front and, like, been along with actively managed fund. They were supposed to be buying and selling and trying to outperform the markets. They weren't doing so, so it was time to give them a flick and remove them from your fund for you. Okay? Beautiful. But when you do find that one, have a bit of a look at it. If you do find you have any questions in relation to it, you're welcome to let me know at any point in time. Okay? Perfect. Now just to run through a few more other details for you with your main primary residence there, what sort of value do you think you put on the property there at the moment? Yep. Perfect. I think last time we spoke, I had about 570 on here, so it's gone up quite considerably. Okay. Perfect. Yep. Yeah. Nice. Okay. Yep. Perfect. Yep. Perfect. Not a problem at all. And I've also got your Hilux down here. Do you still have the Hilux Ute? Yep. Beautiful. I had a value on that one of about, sorry, 15,000. Would that still be roughly the same? Or yep. Perfect. All good. And do you have any other assets? Having a look here, that's all I've kind of got noted down. But is there anything else that you would want noted or anything else that we maybe maybe need to note down about you? No. No. That's okay. Another thing to take into account, a lot of people don't think about it, is their contents. Do you have contents insurance? No. No. That's okay. If you were to have a bit of a look around at your property, what sort of value do you think you might put on your content? Yeah. That's okay. Do you think maybe yeah. That's right. Do you think maybe more or less than 10,000 might be an estimate of value or way less? If I go five, four, three, two, what do you think you might like me to pop down? Yeah. Beautiful. It sounds really interesting, and a lot of people think I'm you know, it might sound a bit silly. But, realistically, if something happened to your property and you had to replace everything you had, and you're basically thinking about if you tipped your house upside down and everything fell out. That's all your contents. It could add up to quite a significant amount. Mhmm. Yep. No. That's okay. That's not a problem at all. All good. And do you have any, like, tools or and anything of value you might keep in your shed? Yep. Perfect. I can definitely note those down because they are a lot of those tools can be pretty expensive and quite costly if you had to replace them. So I'll just note those down for you here as well. And you said about 5 or 6,000? Yep. Perfect. 6,000. Lovely. Excellent. And have you ever considered have you got a will or a power of attorney in place, or have you considered having those drawn up in the past at all? Wow. Yep. Yep. Perfect. Yep. Yeah. Yeah. No. Definitely. I'm just also having a quick look at your beneficiaries as well because it's really important that they be updated on your portfolio here. Have they asked you anything about the beneficiaries on your super at all? Or Mhmm. Yep. No. That's okay. Because I'm having a look, and it's just loaded for me, and it just shows there's no beneficiary nominated here. So, essentially, with the way that is noted at the moment, if you were to pass away in touch with nothing happens, we want you to be nice and healthy, enjoy your life. But if anything was to happen, with not having a beneficiary nomination on file, your super fund has essentially go through a bit of a probate, which means that they have to go out there and see if you've got any family members. If there's nothing, no claims against the money, it goes to your state. And, again, if you don't have a will in process or in progress, then there's a probate process there as well. So it does kind of mean you are kinda going to that probate side of things. It's it's doesn't normally affect us if we're not here anymore. However, it can be a little bit harder for family and friends and things like that, and it might mean that your estate doesn't get directed to where you want it to go, which could be the most important part there. So as part of the estate planning for your will, has your solicitor asked you questions about what you want to happen to the, you know, to your super or what you want to happen to your estate? What have they kind of discussed with you so far? Yeah. Okay. No. That's nice. Yeah. Perfect. Yep. Yep. Yep. So you just can request it all to some charities that, you know, pique your interest or are close to your heart? Yep. That's really nice. Oh, beautiful. Yeah. Yep. Yep. No. That's okay. That's not a problem at all. It's probably one of the most honest and probably one of the nicest things I've heard when it comes to the estate planning side of things. So that's really lovely. Beautiful. Yeah. Yeah. No. That's okay. That's not a problem at all. Yeah. No. Not a problem at all. That's fantastic. So when it comes down to your super, with not having any direct beneficiaries, and they do have a bit of laws and legislation around who can receive your super. It generally has to be your children, your spouse, someone with who's relied on you, lived with you, or relied on you for support or, like, someone with the who's had an interdependent relationship, they call it, to someone who's relied on you for day to day living expenses. It looks like you don't really have anyone in that capacity. So the other option no. That's okay. The other option is we can always nominate your legal personal representative, which means that in the event of your passing, your super is paid with your to your estate and then gets divided up with your will. Does that sound like something that's more probably better for you? Yep. Yep. Perfect. Yeah. Beautiful. Are you comfortable with if you like, we can do is we can resend out with some beneficiary nominations to us. Would you like us to pre fill the beneficiary section, take the legal personal representative for you to make it a bit easier? Yeah. Beautiful. And you're comfortable is it maybe a 100% to your estate? Does that sound right? And are you comfortable with us pre filling that for you? Yeah. Beautiful. Lovely. Just need to make sure we get some directions and that we do and when we are pre filling these homes because they are legal forms that we have, you know, correct instructions from you so that we're doing the right thing. Okay. Beautiful. Marital status, I have you down as single. Any new flames in the work? Have you got any new hot relationships recently? No. Nothing? That's okay. Do you have any dependent children or any children at all? Nope. That's okay. Beautiful. I don't have a next of kin down here for you at all. It is really important that we do have someone that we can contact if we were unable to get a hold of you as a bit of a next of kin. Would there be anyone that you would want noted? If you don't, it's okay. Yep. That's okay. If you do happen to no. That's okay. You just enjoy your own company, kinda fairly secluded, and have your regular acquaintances. Yeah. That's okay. It's not a problem at all. I'll just make a note here for you. Now what sort of you mentioned you're doing some casual work. What kind of work are you doing casually? What do you normally do by trade? Perfect. Lovely. A bit of a jack of all trades. Yeah. Perfect. Sounds like you are a bit of a jack of all trades, that one. Fantastic. And I've got down here that you're averaging roughly about 20 to 30,000 casually over the course of the year, give or take, depending on the work that you get and that you're able to do. Does that sound about right? Yep. Beautiful. And health wise, has there been any major changes? Is everything still fairly much as it was, or have you had any major changes in your health? Beautiful. Beautiful. With medium term and long term goals here, I've got down here that you're hoping to sorta access super maybe around age 67. Is there I've also got down here that you're hoping by the end of the year to maybe sell your current property and buy something in the country. Is there any other goals that you have that you're looking to achieve in the next one, two, three, or five years? It can be anything at all. Yep. It's okay. Fairly simple. I love it. Just live in the country and enjoy yourself. Nice, quiet life. Beautiful. That's okay. It's not a problem. As I kinda mentioned, they'll do catch ups with you a bit more regularly, Nigel. So if anything does change, you are welcome to let me know. Okay? So the property in the next, we'll say, end of the year. Yes. Beautiful. Now the next thing I just want to run through is a bit of a risk profile there. So the last information I have here is that you're in more of a moderate portfolio, which is sort of on the lower end of the risk scale. Generally, suit someone who has about three to five years before they're wanting to access their super there. Given your age and stage, it sounds about right, really, because you're 63 this year, about to turn 63 this year. So and the reason I kind of ask a bit more about when you're kinda hoping to access super, It's it's basically because of that because we don't wanna see you taking too much risk in the market. We wanna make sure you're in a portfolio. It's kind of in line with the amount of risk you're able to take. The idea is we're sort of hoping that you're not gonna be accessing your super right when there is a market dip. So that's why I wanna kind of catch up a little bit more regularly with you, maybe once every three or six months just to see how your portfolio is going, see how the market is going. And then when we need to maybe update some advice, we can do that with you. Okay? I've got sorry. I've got the risk profile questionnaire up here in front of me. It is very similar to the last couple of years. I've got just a couple of questions already answered to make it easier. The first one here is I've got down, you've never invested into shares or direct funds in your own name before. Is that right? Yeah. Beautiful. Lovely. How do you think you might be feeling over the course of the say, one to two years if due to what was happening in the world, generally, if the market did take a bit of a dip? How do you think that might be making you feel? Yeah. So concern. Absolutely. And we would definitely love it if it didn't. Absolutely. That's okay, sir. A bit concerned. Do you think in that sort of a time frame you might be wanting to put more money intake advantage of the dip? Are you more likely to call us and have a chat with me to see what's going on and what we can do, or are you feeling like maybe moving some money out into a different, more secure asset? How do you think you might react in that circumstance? Yep. That's okay. Okay. Yeah. No. Of course. Understandable. Okay. No. That's alright. Well, I'll definitely make sure I guide you through things. And knowing that when we have those conversations, we'll definitely talk a little bit slower and a bit deeper. And if you find you have questions about the investments, about the way things are looking, or anything that you are hearing, please flag it for me because I'm more than happy to make time to chat you through things in a bit more detail as well. Okay? Perfect. So I've sort of ticked the box here saying you'd probably maybe call us hold and wait. If we did see a market dip in the next, say, one to two years or when you are closer to the age of 67, do you think you'd be willing to work a little bit longer before accessing accessing some of that super, or do you think you'd be more inclined to just retire anyway? How do you think you might feel? Perfect. Perfect. All good. And I've got here what reasonable rate of return are you hoping to get out of your super. Obviously, we're all wanting the best return we can possibly get. Am I wrong? Or beautiful. And when it comes to borrowing for investments, you've had your investment so you received the investment property as a bit of an inheritance, but you've only really borrowed for your main primary residence. Is that right? Yes. Beautiful. Lovely. Now having a look at this one here, you've actually scored there as a growth invest and growth investor. With where you are, that was the sort of portfolio you were in originally. I'm having a look at your file here. It kind of looks like we did provide a record of advice back in 2022 to move you into something a little bit more conservative, more of a moderate portfolio. I'm just trying to find the asset allocation there for this one. But from what I can see here, it's generally looking like sorry. I'm just going to pull up a different document which breaks it down because I don't wanna give you the wrong information, but that one there doesn't have the asset allocation in it. So I just wanna make sure that we're that you understand, but that I also know exactly what portfolio you're in because I don't want you to be taking on too much risk in the market. But we also wanna make sure that your portfolio is working, that you are getting returns because without contributions, that's essentially the most important thing is that your portfolio is working harder for you. It's a bit of a a juggling act, that one, and that you want you want returns. So sorry. I won't be in two minutes. I'm just gonna scroll through this table a little bit here. Won't be one second. All good. So just had to confirm there for you. But with the portfolio, it generally sees when we're looking at growth assets, you're generally looking at around 50 to 60% in growth investments. So that's like Australian shares, international shares, a bit of property, and some commodities like gold and silver, and you've got some physical gold in your portfolio at the moment. The other side of that is what we call defensive or lower risk investments, so things like cash, bonds, and fixed interest. Those sorts of investments are lower risk. They do tend to get a lower rate of return, but as we get closer to accessing super, they're more important to kind of increase those. And with this sort of a portfolio, you've got 40% in there. And we look at things like fixed interest, things like term deposits, bonds, also high interest savings accounts, and things like that to give us, you know, as good as best returns you can get for those sorts of investments, but also lowering the overall risk level of your portfolio. This sort of portfolio does suit someone who is wanting to, sorry, access super in about sort of three years, and you can be in this portfolio longer term if you want to as well. Are you fairly comfortable staying in that sort of environment? Did you want me to break it down more for you? Do you have any questions? Yeah. Yeah. Yeah. Perfect. So I had to confirm that because over the course of the last few years, we've renamed our portfolios a few different times. And so I had to make sure what it was back then equals what I have now, so it's all good. But it is. It's more of that balance sort of environment there. And, realistically, with a four year time horizon accessing, so if you can stay here, I would like to just catch up with you as a mentor a little bit more regular to see where things are going, have a look at things. My role here is as a financial adviser, I do a lot of our time and advice for our clients. So I kind of live in that space of either close to accessing super, making sure we're understanding that risk level, but also making sure that we're working you're able to access Centrelink down the track and get longevity out of that super as well. So yeah, there's definitely things that we can do to help you down the track to whilst your super balances are a little bit lower than where we'd like it to be, we can get as much longevity out of it as possible and, you know, try and get as much out of the government as we can to help you along as well. Does that make sense? Yeah. Beautiful. You've worked hard. You've paid a lot of taxes. It's time for them to give you some money back. All good. So, honestly, that that portfolio does suit quite fine for where you're at. Down the track, I would like to maybe reassess Netwealth as an investment platform as well. But because there's really no need to make any changes, because we've already moved that Banda Long investment out, you're happy with where the asset allocation is, and it does suit your time horizon and your risk tolerance. I wouldn't be inclined to make any major changes now, but I would like to maybe make a catch up for the next few months to sort of see how things are going and see whether we're gonna make any changes down the track there or what, you know, what's happening in your life just to kinda keep up. Do you think maybe six months might be okay, or what sort of time frame might suit you a bit, Nigel? Six months? Yep. Perfect. And, look, there may not be any changes down at that point either, but it's still important just to catch up, see where things are going. Yeah. Absolutely. Just to keep a bit more of a closer eye on things for you. And then when things are changing, when you decide you need to access money, you have that call, you've got me there. You can go, hey. I think I need something, and we can talk about what you need to do then. Okay? Perfect. Perfect. Now as I did mentioned, I did send a annual review pack to you. I'm sorry. Feel free to have a look through those documents. Let us know if you do happen to have any questions. It does also have the ongoing service agreement attached there. So with that one there, you are paying an ongoing service fee for having us as your advisers. The ongoing service fee is 1.65%. It is calculated that's ideally percentage. It's calculated and deducted in smaller monthly increments. So it is linked to the performance of your super. So the same as in previous years, it goes up and down with the market, which is really important. Do you have any questions about the ongoing service fee, about our services, or anything I've kinda gone with you today through with you today? No? Beautiful. Well, if you do have any questions, you're welcome to let me know. I've got it in my calendar. One of my beautiful admin team will book you in in six months time for another sort of catch up. And in the meantime, if you need anything, Nigel, please let me know. My name's Dana. I'll always make myself available to help you out. I also work after hours. So, generally, Monday to Thursday up until about 7PM Queensland time. So I can chat later in the evening if that's easier for you as well. Okay? Excellent. Excellent. Well, I will let you go. I thank you so much for your time. I hope you have a good afternoon, and feel free to read through those documents. If you find you have any questions, let me know. The only other thing to check is your ID, which is completely all up to date. So, yeah, that's basically everything. A nice easy review for you today. Andy, thank you so much for your time. I'll let you go. I hope you have a lovely evening. My pleasure. Thanks for your time. I will. You too. Thanks. Thanks for your time. See you later. 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Nigel. It's Dana. How are you this afternoon? That's okay. It's not a yeah.\n\nNo. It's not a problem at all. That's why we tend to call twice and then send a text message just so you know it is us because life life gets in the way. It's completely understandable. I had to put in easy.\n\nI had to put in negotiate and review there. As part of today's call, is there anything particular that you wanted to maybe touch base on or talk about, or is there any questions that you have for me specifically? Yeah. Absolutely. So I do actually have a report here in front of me to give you an idea of that.\n\nNow the report I'm looking at here with regard to your super is from the last twelve months. So whilst the markets are a bit volatile there and we are seeing those ups and downs, the net return your portfolio has seen is still a positive 11.6%. That's net return after fees. Yeah. So it's still seeing a positive return, which is really good.\n\nThere are some investments. I'm just having a look at what you've got in there underlying. Yeah. No. Look.\n\nEverything is doing quite well. So just have me look at your what portfolio you're in as well because I believe there might have been some changes in the past. But to go through what we are going through and still see a positive return is a positive thing, which is good. 2022. Sorry.\n\nMy computer's a little bit slow this afternoon there. 2022. We had a reduction. So, yeah, we moved into more of a moderate portfolio around about 2022 there. And if I look at the difference between that and what you have in there at the moment, there are still some differences.\n\nLet me find. Let's see. Sorry. My computer's a little bit slow. Just trying to pull this report up to really see what you've got in there and have a bit of a look back at your past history with alterations.\n\nWhen I kinda look at everything and everything is going really well, there are a few that are showing a little bit of a dip at the moment, but as a whole, your portfolio is up, which is a positive thing. Sort of looking forward at where you are, and I know I can see that you have accessed your super a bit over the past couple of years. And the last time we were able to catch up was, like, 2024 when we did your annual review then, and you were looking at selling the investment property back then. How did you go, and do you still have that with you? And how's things?\n\nYeah. You did sell that, so that's gone now? Yep. That's okay. When did you end up selling it?\n\nOkay. Perfect. And do you still have some of the funds left over from that? Or yep. Perfect.\n\nYeah. No. That's okay. How much do you have in the bank there at the moment savings wise? Okay.\n\nPerfect. And you're happy just leaving it sitting in that account at the moment that you can access when you need to? Yep. Yep. Okay.\n\nPerfect. Yeah. Yeah. Okay. No worries.\n\nIt's not a term deposit or anything. Yeah. No. That's okay. Yep.\n\nFor cash. Yeah. Understandable. Absolutely. All good.\n\nNow moving forward because at the moment, the last thing we sort of had noted here was that you're not working. You're still not technically working. Are you receiving any government benefits at all? Okay. Yep.\n\nPerfect. Casual work. And they're not paying any contributions into your super or anything for that casual work you're doing, out there? Because I can't see any going in. Okay.\n\nOkay. No. That's okay. A bit of that here and there. And how much are you sort of averaging you make when you do some of that work?\n\nDepending on the hours. Okay. Perfect. 30,000 a year. Lovely.\n\nAnd how long do you think you'll continue kinda wanting to do that for? Yeah. That's okay. Not a problem at all. The main sort of reason I'm asking that question is because of your age where you are at the moment and with working casually, essentially, on and off, if you were to stop working completely, you can access your super.\n\nNotably, your balance isn't probably as high as what we would like it to be to be able to do that, but you do have access to that. And there are things advice I can put in in place for you to help you be able to draw down a little bit of income if you happen to need it. When you get close to the age pension age, I'd definitely like to look at whether you're eligible for that and how much you might get from that and maybe supplement super with that if you're if you're able to do so just to kind of make sure we're getting longevity there. But do you sort of need to access any funds at the moment with a 100,000 sitting aside and, like, at casual work, you're kinda comfortable? Yep.\n\nYeah. I'm sorry. Yeah. Okay. Yeah.\n\nNo. That's really good. Thank you for updating that. I do appreciate it. And, look, if you ever do need to, let me know.\n\nI know in the past we've had to do transactions without advice and things like that. But if you are at a point where you maybe wanna start drawing down a bit of an income or looking at updating things that way, let me know. I'm happy to have a chat about where you are, what your options are, and what we can do to help. Having a bit of a look at the way things are at the moment, there might not be a need to do or update the advice just yet, but I'd like to definitely, after the review today, maybe do a catch up in a few months' time with you just to see where things are up to, see where things are changing, and just maybe keep a little bit more close an eye on where things are up to for you so we can kind of, note when changes need to occur or when advice needs to occur. But it also means that you don't have to contact us.\n\nWe'll be contacting you to make sure that we're updating your circumstances a bit more regularly for you. Does that sound okay? Yep. Perfect. And you're at the moment, so the next thing I have here is your balance, which is a really great question.\n\nAs of the 03/23/2026, your balance inside Superdair is 152,314 and 31¢. Yeah. So it is definitely up from where it was. The dollar figure, I said it was 11% return or 11.06% sorry. 11.06% return as a net.\n\nAs a dollar figure, it equates about a $15,000.348 return. So you've made out of your super $15,348 with that 11 percent return. It does sound quite small, but because there is no contributions going in, it's solely just that the portfolio can do. Yeah. So, like, it's doing well.\n\nIt is still ticking over. It has still made a really good solid return there. However, we are gonna see a bit more volatility in the market over the next couple of months with what's happening, so we will see those fluctuations coming and going. I would just like to maybe do a bit of a risk profile to sort of see whether we're gonna make any changes to your portfolio for you or whether you're sort of comfortable going through those ups and downs. Are you sort of thinking you probably don't wanna access super maybe until 6767.\n\nBeautiful. I'm so sorry. My phone is just freezing, and my computer is a little bit slow this afternoon. So if if I cut it out at all, please let me know. Gotta love technology when it wants to work there, doesn't it?\n\nAll good. My computer is really having a moment. I'm trying to go to the next document for you. All good. So I'll work on the age of 67 there, which is fantastic.\n\nAnd you're sort of living on about that sort of 20 to 30,000 as well that you're earning casually over the course of the year. Are you finding you need to sort of draw down on that money you have sitting in the bank very often to help you along, or is the casual work sufficient for what you have? Yep. Okay. Fantastic.\n\nSo your living expenses are fairly low at the moment, which is good. Beautiful. And your main primary residence, you mentioned you were selling the unit. You're living in the unit now. That's your main primary residence.\n\nIs that right? Yeah. And what's the time frame do you have before you're sort of hoping to sell that one? Yep. Okay.\n\nPerfect. And move to the bush. Have you got an idea? I've been looking at where you'd like to move to and what sort of property you're after. Yeah.\n\nBeautiful. Oh, nice. Whereabouts down there? Oh, beautiful. That's my neck of the woods.\n\nYeah. Yeah. So I was born and bred in Murwillumbah, and I live at Tweed. So that's the Northern New South Wales. Northern Rivers is my neck of the woods.\n\nYeah. It is really nice, isn't it? It's nice and quiet. It's lovely town. It's beautiful.\n\nOh, fantastic. Fantastic. Sorry. I'm just looking. Now I'm just also sending you through an annual review pack, which will be in your email at the end of the call there as well, Nigel.\n\nIt does take you through, obviously, the reports that we have showing that 11% return that you have received for the year. It also gives you a summary of your balance. It also has the financial services guide attached as well, which takes you through everything about who we are, what we do, and how we do it. It has all of my licensing information in there for you as well. I know we have submitted in the past.\n\nI have done any reviews for you. My voice probably sounds a bit different today than it has in the past. I do apologize about that. Essentially, having a look through that, it'll give you a bit more of an idea about who we are, what we do, how we do things. And it's just really important that this year moving forward because you are so close and in those ages where you're able to access Super that we do monitor things a bit more closely for you, and that when the time comes that we're able to access it.\n\nI do wanna, as I mentioned, do a bit of a risk profile with you as well today because it's important to sort of have a look and see whether we're gonna make any changes to your portfolio. I know you would have received a record of advice in an email a few days ago. Do you remember receiving anything, noting we were making some changes to your portfolio there at all? No. That's okay.\n\nOne of your previous that's okay. One of your previous underlying investments was Ben along Australian Equities. It has been over the past couple of months underperforming. So we have made some changes and have made a decision as a business to remove that investment. So it has been removed out of your portfolio.\n\nYou'll probably see in your email there a bit of a what's called a record of advice, just letting you know that we were gonna make that change for you. So but if you do see that, feel free to have a read through it. Let me know if you have any questions in relation to it, but that those investments have been changed out of there. So instead of having a bend along Australian equities, which under was underperforming, we've now put in its place the Australian 200, so the beta share is a 200. And that essentially sorry.\n\nThat's still giving you exposure to Australian equities, which is important, but it's more of a lower cost passively managed funds. The idea of the a 200 is that you're invested and you're tracking the top 200 companies on the ASX instead of having an investment manager trying to outperform the market. When we look at passive versus active management, tracking an index, and just participating in the market even through the ups and downs, over the longer term, you do tend to come out in front and, like, been along with actively managed fund. They were supposed to be buying and selling and trying to outperform the markets. They weren't doing so, so it was time to give them a flick and remove them from your fund for you.\n\nOkay? Beautiful. But when you do find that one, have a bit of a look at it. If you do find you have any questions in relation to it, you're welcome to let me know at any point in time. Okay?\n\nPerfect. Now just to run through a few more other details for you with your main primary residence there, what sort of value do you think you put on the property there at the moment? Yep. Perfect. I think last time we spoke, I had about 570 on here, so it's gone up quite considerably.\n\nOkay. Perfect. Yep. Yeah. Nice.\n\nOkay. Yep. Perfect. Yep. Perfect.\n\nNot a problem at all. And I've also got your Hilux down here. Do you still have the Hilux Ute? Yep. Beautiful.\n\nI had a value on that one of about, sorry, 15,000. Would that still be roughly the same? Or yep. Perfect. All good.\n\nAnd do you have any other assets? Having a look here, that's all I've kind of got noted down. But is there anything else that you would want noted or anything else that we maybe maybe need to note down about you? No. No.\n\nThat's okay. Another thing to take into account, a lot of people don't think about it, is their contents. Do you have contents insurance? No. No.\n\nThat's okay. If you were to have a bit of a look around at your property, what sort of value do you think you might put on your content? Yeah. That's okay. Do you think maybe yeah.\n\nThat's right. Do you think maybe more or less than 10,000 might be an estimate of value or way less? If I go five, four, three, two, what do you think you might like me to pop down? Yeah. Beautiful.\n\nIt sounds really interesting, and a lot of people think I'm you know, it might sound a bit silly. But, realistically, if something happened to your property and you had to replace everything you had, and you're basically thinking about if you tipped your house upside down and everything fell out. That's all your contents. It could add up to quite a significant amount. Mhmm.\n\nYep. No. That's okay. That's not a problem at all. All good.\n\nAnd do you have any, like, tools or and anything of value you might keep in your shed? Yep. Perfect. I can definitely note those down because they are a lot of those tools can be pretty expensive and quite costly if you had to replace them. So I'll just note those down for you here as well.\n\nAnd you said about 5 or 6,000? Yep. Perfect. 6,000. Lovely.\n\nExcellent. And have you ever considered have you got a will or a power of attorney in place, or have you considered having those drawn up in the past at all? Wow. Yep. Yep.\n\nPerfect. Yep. Yeah. Yeah. No.\n\nDefinitely. I'm just also having a quick look at your beneficiaries as well because it's really important that they be updated on your portfolio here. Have they asked you anything about the beneficiaries on your super at all? Or Mhmm. Yep.\n\nNo. That's okay. Because I'm having a look, and it's just loaded for me, and it just shows there's no beneficiary nominated here. So, essentially, with the way that is noted at the moment, if you were to pass away in touch with nothing happens, we want you to be nice and healthy, enjoy your life. But if anything was to happen, with not having a beneficiary nomination on file, your super fund has essentially go through a bit of a probate, which means that they have to go out there and see if you've got any family members.\n\nIf there's nothing, no claims against the money, it goes to your state. And, again, if you don't have a will in process or in progress, then there's a probate process there as well. So it does kind of mean you are kinda going to that probate side of things. It's it's doesn't normally affect us if we're not here anymore. However, it can be a little bit harder for family and friends and things like that, and it might mean that your estate doesn't get directed to where you want it to go, which could be the most important part there.\n\nSo as part of the estate planning for your will, has your solicitor asked you questions about what you want to happen to the, you know, to your super or what you want to happen to your estate? What have they kind of discussed with you so far? Yeah. Okay. No.\n\nThat's nice. Yeah. Perfect. Yep. Yep.\n\nYep. So you just can request it all to some charities that, you know, pique your interest or are close to your heart? Yep. That's really nice. Oh, beautiful.\n\nYeah. Yep. Yep. No. That's okay.\n\nThat's not a problem at all. It's probably one of the most honest and probably one of the nicest things I've heard when it comes to the estate planning side of things. So that's really lovely. Beautiful. Yeah.\n\nYeah. No. That's okay. That's not a problem at all. Yeah.\n\nNo. Not a problem at all. That's fantastic. So when it comes down to your super, with not having any direct beneficiaries, and they do have a bit of laws and legislation around who can receive your super. It generally has to be your children, your spouse, someone with who's relied on you, lived with you, or relied on you for support or, like, someone with the who's had an interdependent relationship, they call it, to someone who's relied on you for day to day living expenses.\n\nIt looks like you don't really have anyone in that capacity. So the other option no. That's okay. The other option is we can always nominate your legal personal representative, which means that in the event of your passing, your super is paid with your to your estate and then gets divided up with your will. Does that sound like something that's more probably better for you?\n\nYep. Yep. Perfect. Yeah. Beautiful.\n\nAre you comfortable with if you like, we can do is we can resend out with some beneficiary nominations to us. Would you like us to pre fill the beneficiary section, take the legal personal representative for you to make it a bit easier? Yeah. Beautiful. And you're comfortable is it maybe a 100% to your estate?\n\nDoes that sound right? And are you comfortable with us pre filling that for you? Yeah. Beautiful. Lovely.\n\nJust need to make sure we get some directions and that we do and when we are pre filling these homes because they are legal forms that we have, you know, correct instructions from you so that we're doing the right thing. Okay. Beautiful. Marital status, I have you down as single. Any new flames in the work?\n\nHave you got any new hot relationships recently? No. Nothing? That's okay. Do you have any dependent children or any children at all?\n\nNope. That's okay. Beautiful. I don't have a next of kin down here for you at all. It is really important that we do have someone that we can contact if we were unable to get a hold of you as a bit of a next of kin.\n\nWould there be anyone that you would want noted? If you don't, it's okay. Yep. That's okay. If you do happen to no.\n\nThat's okay. You just enjoy your own company, kinda fairly secluded, and have your regular acquaintances. Yeah. That's okay. It's not a problem at all.\n\nI'll just make a note here for you. Now what sort of you mentioned you're doing some casual work. What kind of work are you doing casually? What do you normally do by trade? Perfect.\n\nLovely. A bit of a jack of all trades. Yeah. Perfect. Sounds like you are a bit of a jack of all trades, that one.\n\nFantastic. And I've got down here that you're averaging roughly about 20 to 30,000 casually over the course of the year, give or take, depending on the work that you get and that you're able to do. Does that sound about right? Yep. Beautiful.\n\nAnd health wise, has there been any major changes? Is everything still fairly much as it was, or have you had any major changes in your health? Beautiful. Beautiful. With medium term and long term goals here, I've got down here that you're hoping to sorta access super maybe around age 67.\n\nIs there I've also got down here that you're hoping by the end of the year to maybe sell your current property and buy something in the country. Is there any other goals that you have that you're looking to achieve in the next one, two, three, or five years? It can be anything at all. Yep. It's okay.\n\nFairly simple. I love it. Just live in the country and enjoy yourself. Nice, quiet life. Beautiful.\n\nThat's okay. It's not a problem. As I kinda mentioned, they'll do catch ups with you a bit more regularly, Nigel. So if anything does change, you are welcome to let me know. Okay?\n\nSo the property in the next, we'll say, end of the year. Yes. Beautiful. Now the next thing I just want to run through is a bit of a risk profile there. So the last information I have here is that you're in more of a moderate portfolio, which is sort of on the lower end of the risk scale.\n\nGenerally, suit someone who has about three to five years before they're wanting to access their super there. Given your age and stage, it sounds about right, really, because you're 63 this year, about to turn 63 this year. So and the reason I kind of ask a bit more about when you're kinda hoping to access super, It's it's basically because of that because we don't wanna see you taking too much risk in the market. We wanna make sure you're in a portfolio. It's kind of in line with the amount of risk you're able to take.\n\nThe idea is we're sort of hoping that you're not gonna be accessing your super right when there is a market dip. So that's why I wanna kind of catch up a little bit more regularly with you, maybe once every three or six months just to see how your portfolio is going, see how the market is going. And then when we need to maybe update some advice, we can do that with you. Okay? I've got sorry.\n\nI've got the risk profile questionnaire up here in front of me. It is very similar to the last couple of years. I've got just a couple of questions already answered to make it easier. The first one here is I've got down, you've never invested into shares or direct funds in your own name before. Is that right?\n\nYeah. Beautiful. Lovely. How do you think you might be feeling over the course of the say, one to two years if due to what was happening in the world, generally, if the market did take a bit of a dip? How do you think that might be making you feel?\n\nYeah. So concern. Absolutely. And we would definitely love it if it didn't. Absolutely.\n\nThat's okay, sir. A bit concerned. Do you think in that sort of a time frame you might be wanting to put more money intake advantage of the dip? Are you more likely to call us and have a chat with me to see what's going on and what we can do, or are you feeling like maybe moving some money out into a different, more secure asset? How do you think you might react in that circumstance?\n\nYep. That's okay. Okay. Yeah. No.\n\nOf course. Understandable. Okay. No. That's alright.\n\nWell, I'll definitely make sure I guide you through things. And knowing that when we have those conversations, we'll definitely talk a little bit slower and a bit deeper. And if you find you have questions about the investments, about the way things are looking, or anything that you are hearing, please flag it for me because I'm more than happy to make time to chat you through things in a bit more detail as well. Okay? Perfect.\n\nSo I've sort of ticked the box here saying you'd probably maybe call us hold and wait. If we did see a market dip in the next, say, one to two years or when you are closer to the age of 67, do you think you'd be willing to work a little bit longer before accessing accessing some of that super, or do you think you'd be more inclined to just retire anyway? How do you think you might feel? Perfect. Perfect.\n\nAll good. And I've got here what reasonable rate of return are you hoping to get out of your super. Obviously, we're all wanting the best return we can possibly get. Am I wrong? Or beautiful.\n\nAnd when it comes to borrowing for investments, you've had your investment so you received the investment property as a bit of an inheritance, but you've only really borrowed for your main primary residence. Is that right? Yes. Beautiful. Lovely.\n\nNow having a look at this one here, you've actually scored there as a growth invest and growth investor. With where you are, that was the sort of portfolio you were in originally. I'm having a look at your file here. It kind of looks like we did provide a record of advice back in 2022 to move you into something a little bit more conservative, more of a moderate portfolio. I'm just trying to find the asset allocation there for this one.\n\nBut from what I can see here, it's generally looking like sorry. I'm just going to pull up a different document which breaks it down because I don't wanna give you the wrong information, but that one there doesn't have the asset allocation in it. So I just wanna make sure that we're that you understand, but that I also know exactly what portfolio you're in because I don't want you to be taking on too much risk in the market. But we also wanna make sure that your portfolio is working, that you are getting returns because without contributions, that's essentially the most important thing is that your portfolio is working harder for you. It's a bit of a a juggling act, that one, and that you want you want returns.\n\nSo sorry. I won't be in two minutes. I'm just gonna scroll through this table a little bit here. Won't be one second. All good.\n\nSo just had to confirm there for you. But with the portfolio, it generally sees when we're looking at growth assets, you're generally looking at around 50 to 60% in growth investments. So that's like Australian shares, international shares, a bit of property, and some commodities like gold and silver, and you've got some physical gold in your portfolio at the moment. The other side of that is what we call defensive or lower risk investments, so things like cash, bonds, and fixed interest. Those sorts of investments are lower risk.\n\nThey do tend to get a lower rate of return, but as we get closer to accessing super, they're more important to kind of increase those. And with this sort of a portfolio, you've got 40% in there. And we look at things like fixed interest, things like term deposits, bonds, also high interest savings accounts, and things like that to give us, you know, as good as best returns you can get for those sorts of investments, but also lowering the overall risk level of your portfolio. This sort of portfolio does suit someone who is wanting to, sorry, access super in about sort of three years, and you can be in this portfolio longer term if you want to as well. Are you fairly comfortable staying in that sort of environment?\n\nDid you want me to break it down more for you? Do you have any questions? Yeah. Yeah. Yeah.\n\nPerfect. So I had to confirm that because over the course of the last few years, we've renamed our portfolios a few different times. And so I had to make sure what it was back then equals what I have now, so it's all good. But it is. It's more of that balance sort of environment there.\n\nAnd, realistically, with a four year time horizon accessing, so if you can stay here, I would like to just catch up with you as a mentor a little bit more regular to see where things are going, have a look at things. My role here is as a financial adviser, I do a lot of our time and advice for our clients. So I kind of live in that space of either close to accessing super, making sure we're understanding that risk level, but also making sure that we're working you're able to access Centrelink down the track and get longevity out of that super as well. So yeah, there's definitely things that we can do to help you down the track to whilst your super balances are a little bit lower than where we'd like it to be, we can get as much longevity out of it as possible and, you know, try and get as much out of the government as we can to help you along as well. Does that make sense?\n\nYeah. Beautiful. You've worked hard. You've paid a lot of taxes. It's time for them to give you some money back.\n\nAll good. So, honestly, that that portfolio does suit quite fine for where you're at. Down the track, I would like to maybe reassess Netwealth as an investment platform as well. But because there's really no need to make any changes, because we've already moved that Banda Long investment out, you're happy with where the asset allocation is, and it does suit your time horizon and your risk tolerance. I wouldn't be inclined to make any major changes now, but I would like to maybe make a catch up for the next few months to sort of see how things are going and see whether we're gonna make any changes down the track there or what, you know, what's happening in your life just to kinda keep up.\n\nDo you think maybe six months might be okay, or what sort of time frame might suit you a bit, Nigel? Six months? Yep. Perfect. And, look, there may not be any changes down at that point either, but it's still important just to catch up, see where things are going.\n\nYeah. Absolutely. Just to keep a bit more of a closer eye on things for you. And then when things are changing, when you decide you need to access money, you have that call, you've got me there. You can go, hey.\n\nI think I need something, and we can talk about what you need to do then. Okay? Perfect. Perfect. Now as I did mentioned, I did send a annual review pack to you.\n\nI'm sorry. Feel free to have a look through those documents. Let us know if you do happen to have any questions. It does also have the ongoing service agreement attached there. So with that one there, you are paying an ongoing service fee for having us as your advisers.\n\nThe ongoing service fee is 1.65%. It is calculated that's ideally percentage. It's calculated and deducted in smaller monthly increments. So it is linked to the performance of your super. So the same as in previous years, it goes up and down with the market, which is really important.\n\nDo you have any questions about the ongoing service fee, about our services, or anything I've kinda gone with you today through with you today? No? Beautiful. Well, if you do have any questions, you're welcome to let me know. I've got it in my calendar.\n\nOne of my beautiful admin team will book you in in six months time for another sort of catch up. And in the meantime, if you need anything, Nigel, please let me know. My name's Dana. I'll always make myself available to help you out. I also work after hours.\n\nSo, generally, Monday to Thursday up until about 7PM Queensland time. So I can chat later in the evening if that's easier for you as well. Okay? Excellent. Excellent.\n\nWell, I will let you go. I thank you so much for your time. I hope you have a good afternoon, and feel free to read through those documents. If you find you have any questions, let me know. The only other thing to check is your ID, which is completely all up to date.\n\nSo, yeah, that's basically everything. A nice easy review for you today. Andy, thank you so much for your time. I'll let you go. I hope you have a lovely evening.\n\nMy pleasure. Thanks for your time. I will. You too. Thanks.\n\nThanks for your time. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Nigel.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.21644119918346405},{"text":"It's Dana.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.20184218883514404},{"text":"How are you this afternoon?","start":3.52,"end":4.66,"sentiment":"neutral","sentiment_score":0.3204087018966675},{"text":"That's okay.","start":7.2,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.0014780787751078606},{"text":"It's not a yeah.","start":7.7599998,"end":9.599999,"sentiment":"neutral","sentiment_score":-0.11832631146535277}],"sentiment":"neutral","sentiment_score":0.13121741314729055,"num_words":15,"start":2.3999999,"end":9.599999},{"sentences":[{"text":"No.","start":9.599999,"end":9.76,"sentiment":"neutral","sentiment_score":-0.09422287344932556},{"text":"It's not a problem at all.","start":9.76,"end":10.8,"sentiment":"neutral","sentiment_score":0.0246958223481973},{"text":"That's why we tend to call twice and then send a text message just so you know it is us because life life gets in the way.","start":10.8,"end":16.435,"sentiment":"neutral","sentiment_score":-0.05408438234762461},{"text":"It's completely understandable.","start":16.435,"end":17.575,"sentiment":"neutral","sentiment_score":0.05644665316989025},{"text":"I had to put in easy.","start":20.355,"end":22.355,"sentiment":"neutral","sentiment_score":0.04168308153748512}],"sentiment":"neutral","sentiment_score":-0.02295087939561453,"num_words":43,"start":9.599999,"end":22.355},{"sentences":[{"text":"I had to put in negotiate and review there.","start":22.355,"end":24.935001,"sentiment":"neutral","sentiment_score":0.016668094942967098},{"text":"As part of today's call, is there anything particular that you wanted to maybe touch base on or talk about, or is there any questions that you have for me specifically?","start":25.235,"end":32.879997,"sentiment":"neutral","sentiment_score":0.06829673658695913},{"text":"Yeah.","start":43.355,"end":43.755,"sentiment":"neutral","sentiment_score":0.13314349949359894},{"text":"Absolutely.","start":43.755,"end":44.255,"sentiment":"neutral","sentiment_score":0.3184349238872528},{"text":"So I do actually have a report here in front of me to give you an idea of that.","start":44.955,"end":49.435,"sentiment":"neutral","sentiment_score":0.2900065309122989}],"sentiment":"neutral","sentiment_score":0.13490023277699947,"num_words":61,"start":22.355,"end":49.435},{"sentences":[{"text":"Now the report I'm looking at here with regard to your super is from the last twelve months.","start":49.435,"end":55.22,"sentiment":"neutral","sentiment_score":0.21726938916577232},{"text":"So whilst the markets are a bit volatile there and we are seeing those ups and downs, the net return your portfolio has seen is still a positive 11.6%.","start":55.22,"end":66.1,"sentiment":"neutral","sentiment_score":0.21023418561651788},{"text":"That's net return after fees.","start":66.1,"end":68.2,"sentiment":"neutral","sentiment_score":0.18070814311504363},{"text":"Yeah.","start":70.235,"end":70.634995,"sentiment":"neutral","sentiment_score":0.14719828963279724},{"text":"So it's still seeing a positive return, which is really good.","start":70.634995,"end":73.534996,"sentiment":"positive","sentiment_score":0.6094839518720453}],"sentiment":"neutral","sentiment_score":0.27754223224474117,"num_words":64,"start":49.435,"end":73.534996},{"sentences":[{"text":"There are some investments.","start":73.595,"end":75.775,"sentiment":"positive","sentiment_score":0.3797454386949539},{"text":"I'm just having a look at what you've got in there underlying.","start":75.835,"end":78.415,"sentiment":"neutral","sentiment_score":0.2407492995262146},{"text":"Yeah.","start":80.075,"end":80.315,"sentiment":"neutral","sentiment_score":0.13664357364177704},{"text":"No.","start":80.315,"end":80.555,"sentiment":"neutral","sentiment_score":0.1077016144990921},{"text":"Look.","start":80.555,"end":80.715,"sentiment":"neutral","sentiment_score":0.27970778942108154}],"sentiment":"neutral","sentiment_score":0.2595803329819127,"num_words":19,"start":73.595,"end":80.715},{"sentences":[{"text":"Everything is doing quite well.","start":80.715,"end":82.395,"sentiment":"positive","sentiment_score":0.42552798986434937},{"text":"So just have me look at your what portfolio you're in as well because I believe there might have been some changes in the past.","start":82.395,"end":90.42,"sentiment":"neutral","sentiment_score":0.21166544884443284},{"text":"But to go through what we are going through and still see a positive return is a positive thing, which is good.","start":91.03999,"end":95.939995,"sentiment":"positive","sentiment_score":0.5162555616010319},{"text":"2022.","start":97.03999,"end":98.659996,"sentiment":"neutral","sentiment_score":0.012289918959140778},{"text":"Sorry.","start":102.655,"end":102.975,"sentiment":"neutral","sentiment_score":-0.1242542564868927}],"sentiment":"positive","sentiment_score":0.3456469294097688,"num_words":54,"start":80.715,"end":102.975},{"sentences":[{"text":"My computer's a little bit slow this afternoon there.","start":102.975,"end":105.635,"sentiment":"neutral","sentiment_score":-0.23828869726922777},{"text":"2022.","start":107.295,"end":108.415,"sentiment":"neutral","sentiment_score":-0.055511780083179474},{"text":"We had a reduction.","start":108.415,"end":109.635,"sentiment":"neutral","sentiment_score":-0.11192737706005573},{"text":"So, yeah, we moved into more of a moderate portfolio around about 2022 there.","start":110.415,"end":115.67,"sentiment":"neutral","sentiment_score":-0.04209860494094236},{"text":"And if I look at the difference between that and what you have in there at the moment, there are still some differences.","start":117.17,"end":124.71,"sentiment":"neutral","sentiment_score":-0.07497303349816281}],"sentiment":"neutral","sentiment_score":-0.09728587849759589,"num_words":51,"start":102.975,"end":124.71},{"sentences":[{"text":"Let me find.","start":128.865,"end":129.925,"sentiment":"neutral","sentiment_score":-0.03350977351268133},{"text":"Let's see.","start":134.785,"end":135.685,"sentiment":"neutral","sentiment_score":-0.024965564720332623},{"text":"Sorry.","start":143.92001,"end":144.40001,"sentiment":"neutral","sentiment_score":-0.1482924520969391},{"text":"My computer's a little bit slow.","start":144.40001,"end":145.92001,"sentiment":"neutral","sentiment_score":-0.22444281230370203},{"text":"Just trying to pull this report up to really see what you've got in there and have a bit of a look back at your past history with alterations.","start":145.92001,"end":154.38501,"sentiment":"neutral","sentiment_score":0.21098913612036868}],"sentiment":"neutral","sentiment_score":0.10910427247787394,"num_words":41,"start":128.865,"end":154.38501},{"sentences":[{"text":"When I kinda look at everything and everything is going really well, there are a few that are showing a little bit of a dip at the moment, but as a whole, your portfolio is up, which is a positive thing.","start":156.045,"end":165.905,"sentiment":"positive","sentiment_score":0.35014188244211963},{"text":"Sort of looking forward at where you are, and I know I can see that you have accessed your super a bit over the past couple of years.","start":167.58,"end":173.18001,"sentiment":"positive","sentiment_score":0.3524807521275112},{"text":"And the last time we were able to catch up was, like, 2024 when we did your annual review then, and you were looking at selling the investment property back then.","start":173.18001,"end":182.125,"sentiment":"neutral","sentiment_score":0.1155361294025375},{"text":"How did you go, and do you still have that with you?","start":182.125,"end":184.685,"sentiment":"neutral","sentiment_score":0.023634396260604262},{"text":"And how's things?","start":184.685,"end":185.745,"sentiment":"neutral","sentiment_score":-0.035889443630973496}],"sentiment":"neutral","sentiment_score":0.2433290667426975,"num_words":115,"start":156.045,"end":185.745},{"sentences":[{"text":"Yeah.","start":189.165,"end":189.48499,"sentiment":"neutral","sentiment_score":-0.016856728121638298},{"text":"You did sell that, so that's gone now?","start":189.48499,"end":191.825,"sentiment":"neutral","sentiment_score":-0.049339712131768465},{"text":"Yep.","start":192.53001,"end":192.93001,"sentiment":"neutral","sentiment_score":0.020205603912472725},{"text":"That's okay.","start":192.93001,"end":193.73001,"sentiment":"neutral","sentiment_score":0.059538718312978745},{"text":"When did you end up selling it?","start":193.73001,"end":195.35,"sentiment":"neutral","sentiment_score":-0.04671233253819602}],"sentiment":"neutral","sentiment_score":-0.03154093223182779,"num_words":19,"start":189.165,"end":195.35},{"sentences":[{"text":"Okay.","start":202.85,"end":203.33,"sentiment":"neutral","sentiment_score":0.1274007111787796},{"text":"Perfect.","start":203.33,"end":203.83,"sentiment":"neutral","sentiment_score":0.3153967261314392},{"text":"And do you still have some of the funds left over from that?","start":203.89,"end":207.01001,"sentiment":"neutral","sentiment_score":0.06446517086946048},{"text":"Or yep.","start":207.01001,"end":212.72499,"sentiment":"neutral","sentiment_score":0.10029716789722444},{"text":"Perfect.","start":215.025,"end":215.525,"sentiment":"neutral","sentiment_score":0.2901958227157593}],"sentiment":"neutral","sentiment_score":0.09842415650685628,"num_words":18,"start":202.85,"end":215.525},{"sentences":[{"text":"Yeah.","start":220.23999,"end":220.48,"sentiment":"neutral","sentiment_score":0.0518546886742115},{"text":"No.","start":220.48,"end":220.8,"sentiment":"neutral","sentiment_score":-0.012443635612726212},{"text":"That's okay.","start":220.8,"end":221.44,"sentiment":"neutral","sentiment_score":0.030014213174581528},{"text":"How much do you have in the bank there at the moment savings wise?","start":221.44,"end":224.73999,"sentiment":"neutral","sentiment_score":0.04036032461694309},{"text":"Okay.","start":227.28,"end":227.76,"sentiment":"neutral","sentiment_score":0.23496663570404053}],"sentiment":"neutral","sentiment_score":0.04733950840799432,"num_words":19,"start":220.23999,"end":227.76},{"sentences":[{"text":"Perfect.","start":227.76,"end":228.23999,"sentiment":"positive","sentiment_score":0.5241119265556335},{"text":"And you're happy just leaving it sitting in that account at the moment that you can access when you need to?","start":228.23999,"end":233.06,"sentiment":"positive","sentiment_score":0.4306245616504124},{"text":"Yep.","start":234.685,"end":235.185,"sentiment":"neutral","sentiment_score":0.05088524520397186},{"text":"Yep.","start":236.44499,"end":236.94499,"sentiment":"neutral","sentiment_score":0.04688982293009758},{"text":"Okay.","start":244.845,"end":245.345,"sentiment":"neutral","sentiment_score":0.29140639305114746}],"sentiment":"positive","sentiment_score":0.39825636729598046,"num_words":25,"start":227.76,"end":245.345},{"sentences":[{"text":"Perfect.","start":245.485,"end":245.985,"sentiment":"positive","sentiment_score":0.4732658863067627},{"text":"Yeah.","start":251.51,"end":252.01,"sentiment":"neutral","sentiment_score":-0.00988088920712471},{"text":"Yeah.","start":261.045,"end":261.445,"sentiment":"neutral","sentiment_score":0.03852962702512741},{"text":"Okay.","start":261.445,"end":261.92502,"sentiment":"neutral","sentiment_score":0.03822191059589386},{"text":"No worries.","start":261.92502,"end":262.405,"sentiment":"neutral","sentiment_score":0.05814787745475769}],"sentiment":"neutral","sentiment_score":0.1094053816050291,"num_words":6,"start":245.485,"end":262.405},{"sentences":[{"text":"It's not a term deposit or anything.","start":262.405,"end":264.185,"sentiment":"neutral","sentiment_score":0.03604953922331333},{"text":"Yeah.","start":264.245,"end":264.64502,"sentiment":"neutral","sentiment_score":0.05500820279121399},{"text":"No.","start":264.64502,"end":264.885,"sentiment":"neutral","sentiment_score":0.033241547644138336},{"text":"That's okay.","start":264.885,"end":265.70502,"sentiment":"neutral","sentiment_score":0.06783423200249672},{"text":"Yep.","start":268.64502,"end":269.14502,"sentiment":"neutral","sentiment_score":0.2866000533103943}],"sentiment":"neutral","sentiment_score":0.06357208685949445,"num_words":12,"start":262.405,"end":269.14502},{"sentences":[{"text":"For cash.","start":271.69998,"end":272.52,"sentiment":"neutral","sentiment_score":0.010146353393793106},{"text":"Yeah.","start":273.3,"end":273.8,"sentiment":"neutral","sentiment_score":0.09833689779043198},{"text":"Understandable.","start":274.1,"end":274.6,"sentiment":"neutral","sentiment_score":0.21575066447257996},{"text":"Absolutely.","start":275.13998,"end":275.63998,"sentiment":"positive","sentiment_score":0.3999183177947998},{"text":"All good.","start":276.18,"end":276.91998,"sentiment":"positive","sentiment_score":0.5102711915969849}],"sentiment":"neutral","sentiment_score":0.2506915671484811,"num_words":7,"start":271.69998,"end":276.91998},{"sentences":[{"text":"Now moving forward because at the moment, the last thing we sort of had noted here was that you're not working.","start":277.69998,"end":282.97998,"sentiment":"neutral","sentiment_score":-0.10533540429813522},{"text":"You're still not technically working.","start":282.97998,"end":284.58,"sentiment":"neutral","sentiment_score":-0.1580568730831146},{"text":"Are you receiving any government benefits at all?","start":284.58,"end":289.60498,"sentiment":"neutral","sentiment_score":-0.07633368903771043},{"text":"Okay.","start":289.60498,"end":290.10498,"sentiment":"neutral","sentiment_score":0.01768450438976288},{"text":"Yep.","start":294.16498,"end":294.66498,"sentiment":"neutral","sentiment_score":0.1496739387512207}],"sentiment":"neutral","sentiment_score":-0.09571219235658646,"num_words":36,"start":277.69998,"end":294.66498},{"sentences":[{"text":"Perfect.","start":294.72498,"end":295.22498,"sentiment":"positive","sentiment_score":0.4708715081214905},{"text":"Casual work.","start":295.925,"end":296.985,"sentiment":"neutral","sentiment_score":0.16972779482603073},{"text":"And they're not paying any contributions into your super or anything for that casual work you're doing, out there?","start":297.28497,"end":302.08002,"sentiment":"neutral","sentiment_score":-0.03590847314090321},{"text":"Because I can't see any going in.","start":302.08002,"end":303.86002,"sentiment":"neutral","sentiment_score":-0.1019959854228156},{"text":"Okay.","start":310.56,"end":311.06,"sentiment":"neutral","sentiment_score":-0.0174604170024395}],"sentiment":"neutral","sentiment_score":-0.020112206895525255,"num_words":30,"start":294.72498,"end":311.06},{"sentences":[{"text":"Okay.","start":314.175,"end":314.415,"sentiment":"neutral","sentiment_score":-0.01397952437400818},{"text":"No.","start":314.415,"end":314.735,"sentiment":"neutral","sentiment_score":-0.026678096503019333},{"text":"That's okay.","start":314.735,"end":315.635,"sentiment":"neutral","sentiment_score":0.02361238468438387},{"text":"A bit of that here and there.","start":316.575,"end":317.935,"sentiment":"neutral","sentiment_score":0.016868211328983307},{"text":"And how much are you sort of averaging you make when you do some of that work?","start":317.935,"end":321.79498,"sentiment":"neutral","sentiment_score":0.023468743023626944}],"sentiment":"neutral","sentiment_score":0.018700473542724336,"num_words":28,"start":314.175,"end":321.79498},{"sentences":[{"text":"Depending on the hours.","start":325.855,"end":326.915,"sentiment":"neutral","sentiment_score":0.005141505040228367},{"text":"Okay.","start":329.65,"end":330.15,"sentiment":"neutral","sentiment_score":0.13477635383605957},{"text":"Perfect.","start":330.21,"end":330.71,"sentiment":"neutral","sentiment_score":0.26056969165802},{"text":"30,000 a year.","start":331.33,"end":332.44998,"sentiment":"neutral","sentiment_score":0.18542126814524332},{"text":"Lovely.","start":332.44998,"end":332.77,"sentiment":"positive","sentiment_score":0.3544262647628784}],"sentiment":"neutral","sentiment_score":0.13266021348536014,"num_words":10,"start":325.855,"end":332.77},{"sentences":[{"text":"And how long do you think you'll continue kinda wanting to do that for?","start":332.77,"end":336.07,"sentiment":"neutral","sentiment_score":0.07687035974647317},{"text":"Yeah.","start":343.105,"end":343.42502,"sentiment":"neutral","sentiment_score":0.061598435044288635},{"text":"That's okay.","start":343.42502,"end":344.225,"sentiment":"neutral","sentiment_score":0.11787515878677368},{"text":"Not a problem at all.","start":344.225,"end":345.02502,"sentiment":"neutral","sentiment_score":0.16263067722320557},{"text":"The main sort of reason I'm asking that question is because of your age where you are at the moment and with working casually, essentially, on and off, if you were to stop working completely, you can access your super.","start":345.02502,"end":355.59,"sentiment":"neutral","sentiment_score":0.024856080068275332}],"sentiment":"neutral","sentiment_score":0.05130532867605648,"num_words":62,"start":332.77,"end":355.59},{"sentences":[{"text":"Notably, your balance isn't probably as high as what we would like it to be to be able to do that, but you do have access to that.","start":355.97,"end":362.69,"sentiment":"neutral","sentiment_score":0.011075563462717193},{"text":"And there are things advice I can put in in place for you to help you be able to draw down a little bit of income if you happen to need it.","start":362.69,"end":370.725,"sentiment":"neutral","sentiment_score":0.27344517596066},{"text":"When you get close to the age pension age, I'd definitely like to look at whether you're eligible for that and how much you might get from that and maybe supplement super with that if you're if you're able to do so just to kind of make sure we're getting longevity there.","start":370.965,"end":383.525,"sentiment":"neutral","sentiment_score":0.23551249547073475},{"text":"But do you sort of need to access any funds at the moment with a 100,000 sitting aside and, like, at casual work, you're kinda comfortable?","start":383.525,"end":391.14,"sentiment":"neutral","sentiment_score":-0.005809617443726613},{"text":"Yep.","start":391.36,"end":391.86,"sentiment":"neutral","sentiment_score":0.03690678626298904}],"sentiment":"neutral","sentiment_score":0.15246667557483096,"num_words":139,"start":355.97,"end":391.86},{"sentences":[{"text":"Yeah.","start":398.575,"end":399.075,"sentiment":"neutral","sentiment_score":-0.12869304418563843},{"text":"I'm sorry.","start":402.255,"end":402.99503,"sentiment":"neutral","sentiment_score":-0.21608636528253555},{"text":"Yeah.","start":405.295,"end":405.795,"sentiment":"neutral","sentiment_score":0.02886003628373146},{"text":"Okay.","start":410.51,"end":411.01,"sentiment":"neutral","sentiment_score":-0.07620254158973694},{"text":"Yeah.","start":412.27,"end":412.75,"sentiment":"neutral","sentiment_score":0.01148509792983532}],"sentiment":"neutral","sentiment_score":-0.09945386368781328,"num_words":6,"start":398.575,"end":412.75},{"sentences":[{"text":"No.","start":412.75,"end":412.99,"sentiment":"neutral","sentiment_score":0.02873583883047104},{"text":"That's really good.","start":412.99,"end":413.95,"sentiment":"neutral","sentiment_score":0.2989940146605174},{"text":"Thank you for updating that.","start":413.95,"end":415.15,"sentiment":"positive","sentiment_score":0.6248142957687378},{"text":"I do appreciate it.","start":415.15,"end":416.19,"sentiment":"positive","sentiment_score":0.5787258148193359},{"text":"And, look, if you ever do need to, let me know.","start":416.19,"end":419.16998,"sentiment":"neutral","sentiment_score":0.15410904112187299}],"sentiment":"positive","sentiment_score":0.33582883638640243,"num_words":24,"start":412.75,"end":419.16998},{"sentences":[{"text":"I know in the past we've had to do transactions without advice and things like that.","start":419.23,"end":423.185,"sentiment":"neutral","sentiment_score":0.030445853248238564},{"text":"But if you are at a point where you maybe wanna start drawing down a bit of an income or looking at updating things that way, let me know.","start":423.185,"end":429.42502,"sentiment":"neutral","sentiment_score":0.06122956257955781},{"text":"I'm happy to have a chat about where you are, what your options are, and what we can do to help.","start":429.42502,"end":433.36502,"sentiment":"positive","sentiment_score":0.443229364497321},{"text":"Having a bit of a look at the way things are at the moment, there might not be a need to do or update the advice just yet, but I'd like to definitely, after the review today, maybe do a catch up in a few months' time with you just to see where things are up to, see where things are changing, and just maybe keep a little bit more close an eye on where things are up to for you so we can kind of, note when changes need to occur or when advice needs to occur.","start":434.19,"end":457.635,"sentiment":"neutral","sentiment_score":0.14358873383085036},{"text":"But it also means that you don't have to contact us.","start":457.635,"end":460.195,"sentiment":"neutral","sentiment_score":0.04287791269069368}],"sentiment":"neutral","sentiment_score":0.1492226318642497,"num_words":175,"start":419.23,"end":460.195},{"sentences":[{"text":"We'll be contacting you to make sure that we're updating your circumstances a bit more regularly for you.","start":460.195,"end":465.03,"sentiment":"neutral","sentiment_score":0.04858174185372061},{"text":"Does that sound okay?","start":465.03,"end":466.17,"sentiment":"neutral","sentiment_score":0.11884843930602074},{"text":"Yep.","start":467.59003,"end":468.09003,"sentiment":"neutral","sentiment_score":0.27286863327026367},{"text":"Perfect.","start":468.55002,"end":469.05002,"sentiment":"positive","sentiment_score":0.4324042797088623},{"text":"And you're at the moment, so the next thing I have here is your balance, which is a really great question.","start":469.75,"end":474.41,"sentiment":"neutral","sentiment_score":0.08706491706626755}],"sentiment":"neutral","sentiment_score":0.08630002848803997,"num_words":45,"start":460.195,"end":474.41},{"sentences":[{"text":"As of the 03/23/2026, your balance inside Superdair is 152,314 and 31¢.","start":475.175,"end":483.595,"sentiment":"neutral","sentiment_score":0.07922455803914503},{"text":"Yeah.","start":485.97498,"end":486.375,"sentiment":"neutral","sentiment_score":0.2622375190258026},{"text":"So it is definitely up from where it was.","start":486.375,"end":488.47498,"sentiment":"neutral","sentiment_score":0.3287712683280309},{"text":"The dollar figure, I said it was 11% return or 11.06% sorry.","start":488.93,"end":493.97,"sentiment":"neutral","sentiment_score":0.12008245599766572},{"text":"11.06% return as a net.","start":493.97,"end":496.79,"sentiment":"neutral","sentiment_score":0.11084920167922974}],"sentiment":"neutral","sentiment_score":0.16020748823096878,"num_words":39,"start":475.175,"end":496.79},{"sentences":[{"text":"As a dollar figure, it equates about a $15,000.348 return.","start":497.25,"end":502.37,"sentiment":"neutral","sentiment_score":0.11371694281697273},{"text":"So you've made out of your super $15,348 with that 11 percent return.","start":502.37,"end":509.295,"sentiment":"neutral","sentiment_score":0.09576647442120773},{"text":"It does sound quite small, but because there is no contributions going in, it's solely just that the portfolio can do.","start":509.515,"end":515.61,"sentiment":"neutral","sentiment_score":-0.019671840460172722},{"text":"Yeah.","start":516.57,"end":517.05,"sentiment":"neutral","sentiment_score":0.04319828748703003},{"text":"So, like, it's doing well.","start":517.05,"end":518.32996,"sentiment":"neutral","sentiment_score":0.14496424347162246}],"sentiment":"neutral","sentiment_score":0.05474088901653886,"num_words":50,"start":497.25,"end":518.32996},{"sentences":[{"text":"It is still ticking over.","start":518.32996,"end":519.45,"sentiment":"neutral","sentiment_score":0.2379853457212448},{"text":"It has still made a really good solid return there.","start":519.45,"end":521.76996,"sentiment":"neutral","sentiment_score":0.25851456820964813},{"text":"However, we are gonna see a bit more volatility in the market over the next couple of months with what's happening, so we will see those fluctuations coming and going.","start":521.76996,"end":530.02997,"sentiment":"neutral","sentiment_score":-0.07740503810346126},{"text":"I would just like to maybe do a bit of a risk profile to sort of see whether we're gonna make any changes to your portfolio for you or whether you're sort of comfortable going through those ups and downs.","start":530.755,"end":540.77496,"sentiment":"neutral","sentiment_score":-0.005190902901813388},{"text":"Are you sort of thinking you probably don't wanna access super maybe until 6767.","start":541.555,"end":561.315,"sentiment":"neutral","sentiment_score":-0.04008497829948153}],"sentiment":"neutral","sentiment_score":0.006910055104379702,"num_words":99,"start":518.32996,"end":561.315},{"sentences":[{"text":"Beautiful.","start":561.315,"end":561.635,"sentiment":"neutral","sentiment_score":0.07395025342702866},{"text":"I'm so sorry.","start":561.635,"end":562.355,"sentiment":"neutral","sentiment_score":-0.1109015519420306},{"text":"My phone is just freezing, and my computer is a little bit slow this afternoon.","start":562.355,"end":565.475,"sentiment":"neutral","sentiment_score":-0.23279622892538707},{"text":"So if if I cut it out at all, please let me know.","start":565.475,"end":568.455,"sentiment":"neutral","sentiment_score":-0.023623534120046176},{"text":"Gotta love technology when it wants to work there, doesn't it?","start":569.075,"end":572.215,"sentiment":"neutral","sentiment_score":0.055536489256403664}],"sentiment":"neutral","sentiment_score":-0.08016052088418672,"num_words":43,"start":561.315,"end":572.215},{"sentences":[{"text":"All good.","start":574.32,"end":575.14,"sentiment":"positive","sentiment_score":0.6367556750774384},{"text":"My computer is really having a moment.","start":577.2,"end":579.27997,"sentiment":"neutral","sentiment_score":0.1906862769808088},{"text":"I'm trying to go to the next document for you.","start":579.27997,"end":581.54,"sentiment":"neutral","sentiment_score":0.18535400182008743},{"text":"All good.","start":582.72,"end":583.12,"sentiment":"positive","sentiment_score":0.5913425087928772},{"text":"So I'll work on the age of 67 there, which is fantastic.","start":583.12,"end":586.26,"sentiment":"positive","sentiment_score":0.46443835149208706}],"sentiment":"positive","sentiment_score":0.3399333497791579,"num_words":33,"start":574.32,"end":586.26},{"sentences":[{"text":"And you're sort of living on about that sort of 20 to 30,000 as well that you're earning casually over the course of the year.","start":587.575,"end":593.97504,"sentiment":"neutral","sentiment_score":0.1913287204504013},{"text":"Are you finding you need to sort of draw down on that money you have sitting in the bank very often to help you along, or is the casual work sufficient for what you have?","start":593.97504,"end":602.395,"sentiment":"neutral","sentiment_score":0.03259853608906269},{"text":"Yep.","start":606.11,"end":606.61,"sentiment":"neutral","sentiment_score":-0.0849326103925705},{"text":"Okay.","start":607.63,"end":608.13,"sentiment":"neutral","sentiment_score":0.25073951482772827},{"text":"Fantastic.","start":608.35,"end":608.85,"sentiment":"positive","sentiment_score":0.6471594572067261}],"sentiment":"neutral","sentiment_score":0.10693862120665255,"num_words":63,"start":587.575,"end":608.85},{"sentences":[{"text":"So your living expenses are fairly low at the moment, which is good.","start":609.07,"end":612.37,"sentiment":"positive","sentiment_score":0.4398997930380014},{"text":"Beautiful.","start":613.70996,"end":614.20996,"sentiment":"positive","sentiment_score":0.5657490491867065},{"text":"And your main primary residence, you mentioned you were selling the unit.","start":615.165,"end":618.205,"sentiment":"neutral","sentiment_score":0.11911535573502381},{"text":"You're living in the unit now.","start":618.205,"end":619.565,"sentiment":"neutral","sentiment_score":0.08942268540461858},{"text":"That's your main primary residence.","start":619.565,"end":621.245,"sentiment":"neutral","sentiment_score":0.10529683083295822}],"sentiment":"neutral","sentiment_score":0.2372121863268517,"num_words":37,"start":609.07,"end":621.245},{"sentences":[{"text":"Is that right?","start":621.245,"end":622.065,"sentiment":"neutral","sentiment_score":0.0987337479988734},{"text":"Yeah.","start":623.245,"end":623.645,"sentiment":"neutral","sentiment_score":0.022310394793748856},{"text":"And what's the time frame do you have before you're sort of hoping to sell that one?","start":623.645,"end":627.90497,"sentiment":"neutral","sentiment_score":0.011099972200634725},{"text":"Yep.","start":632.88,"end":633.36005,"sentiment":"neutral","sentiment_score":0.055111102759838104},{"text":"Okay.","start":633.36005,"end":633.84,"sentiment":"neutral","sentiment_score":0.152267724275589}],"sentiment":"neutral","sentiment_score":0.03106913014072115,"num_words":23,"start":621.245,"end":633.84},{"sentences":[{"text":"Perfect.","start":633.84,"end":634.34,"sentiment":"neutral","sentiment_score":0.3010443150997162},{"text":"And move to the bush.","start":634.4,"end":635.28,"sentiment":"neutral","sentiment_score":0.12887052744626998},{"text":"Have you got an idea?","start":635.28,"end":636.0,"sentiment":"neutral","sentiment_score":0.05011458843946457},{"text":"I've been looking at where you'd like to move to and what sort of property you're after.","start":636.0,"end":640.5,"sentiment":"neutral","sentiment_score":0.03568206628894105},{"text":"Yeah.","start":641.32495,"end":641.82495,"sentiment":"neutral","sentiment_score":0.1096453070640564}],"sentiment":"neutral","sentiment_score":0.06593828718980839,"num_words":29,"start":633.84,"end":641.82495},{"sentences":[{"text":"Beautiful.","start":641.96497,"end":642.46497,"sentiment":"neutral","sentiment_score":0.2842233180999756},{"text":"Oh, nice.","start":645.40497,"end":646.14496,"sentiment":"neutral","sentiment_score":0.12002719193696976},{"text":"Whereabouts down there?","start":646.365,"end":647.745,"sentiment":"neutral","sentiment_score":0.04640394076704979},{"text":"Oh, beautiful.","start":650.365,"end":651.26495,"sentiment":"neutral","sentiment_score":0.2111857458949089},{"text":"That's my neck of the woods.","start":653.01996,"end":656.27997,"sentiment":"neutral","sentiment_score":0.1279590396831433}],"sentiment":"neutral","sentiment_score":0.13240108958312444,"num_words":14,"start":641.96497,"end":656.27997},{"sentences":[{"text":"Yeah.","start":656.54,"end":656.86,"sentiment":"neutral","sentiment_score":0.03235888481140137},{"text":"Yeah.","start":656.86,"end":657.18,"sentiment":"neutral","sentiment_score":0.03008042648434639},{"text":"So I was born and bred in Murwillumbah, and I live at Tweed.","start":657.18,"end":660.16,"sentiment":"neutral","sentiment_score":0.04984865495218681},{"text":"So that's the Northern New South Wales.","start":660.22,"end":661.98,"sentiment":"neutral","sentiment_score":0.03869986880038466},{"text":"Northern Rivers is my neck of the woods.","start":661.98,"end":663.82,"sentiment":"neutral","sentiment_score":0.058749190298840404}],"sentiment":"neutral","sentiment_score":0.04837881432225307,"num_words":30,"start":656.54,"end":663.82},{"sentences":[{"text":"Yeah.","start":663.82,"end":664.32,"sentiment":"neutral","sentiment_score":0.1105177253484726},{"text":"It is really nice, isn't it?","start":666.545,"end":668.065,"sentiment":"positive","sentiment_score":0.4281996339559555},{"text":"It's nice and quiet.","start":668.065,"end":669.185,"sentiment":"positive","sentiment_score":0.47573065012693405},{"text":"It's lovely town.","start":669.185,"end":670.565,"sentiment":"positive","sentiment_score":0.5987142523129781},{"text":"It's beautiful.","start":670.785,"end":671.445,"sentiment":"positive","sentiment_score":0.48387521505355835}],"sentiment":"positive","sentiment_score":0.45915820728987455,"num_words":16,"start":663.82,"end":671.445},{"sentences":[{"text":"Oh, fantastic.","start":673.745,"end":674.565,"sentiment":"positive","sentiment_score":0.4186772406101227},{"text":"Fantastic.","start":675.505,"end":676.005,"sentiment":"positive","sentiment_score":0.3676496148109436},{"text":"Sorry.","start":678.48,"end":678.88,"sentiment":"neutral","sentiment_score":0.03607994318008423},{"text":"I'm just looking.","start":678.88,"end":679.84,"sentiment":"neutral","sentiment_score":-0.022981106614073116},{"text":"Now I'm just also sending you through an annual review pack, which will be in your email at the end of the call there as well, Nigel.","start":679.84,"end":685.38,"sentiment":"positive","sentiment_score":0.34209096652490123}],"sentiment":"neutral","sentiment_score":0.30613520045709963,"num_words":34,"start":673.745,"end":685.38},{"sentences":[{"text":"It does take you through, obviously, the reports that we have showing that 11% return that you have received for the year.","start":685.76,"end":692.02496,"sentiment":"positive","sentiment_score":0.5781508982181549},{"text":"It also gives you a summary of your balance.","start":692.02496,"end":694.20496,"sentiment":"positive","sentiment_score":0.39077597194247776},{"text":"It also has the financial services guide attached as well, which takes you through everything about who we are, what we do, and how we do it.","start":694.505,"end":701.32495,"sentiment":"neutral","sentiment_score":0.3139605748432654},{"text":"It has all of my licensing information in there for you as well.","start":701.625,"end":704.665,"sentiment":"neutral","sentiment_score":0.11672073029554807},{"text":"I know we have submitted in the past.","start":704.665,"end":706.32,"sentiment":"neutral","sentiment_score":0.03129615052603185}],"sentiment":"positive","sentiment_score":0.3352022497101298,"num_words":79,"start":685.76,"end":706.32},{"sentences":[{"text":"I have done any reviews for you.","start":706.32,"end":708.24,"sentiment":"neutral","sentiment_score":0.03202255070209503},{"text":"My voice probably sounds a bit different today than it has in the past.","start":708.24,"end":711.2,"sentiment":"neutral","sentiment_score":-0.29628755365099224},{"text":"I do apologize about that.","start":711.2,"end":713.06,"sentiment":"negative","sentiment_score":-0.40112175345420836},{"text":"Essentially, having a look through that, it'll give you a bit more of an idea about who we are, what we do, how we do things.","start":714.96,"end":720.0,"sentiment":"neutral","sentiment_score":0.3091976442016088},{"text":"And it's just really important that this year moving forward because you are so close and in those ages where you're able to access Super that we do monitor things a bit more closely for you, and that when the time comes that we're able to access it.","start":720.0,"end":732.45,"sentiment":"neutral","sentiment_score":0.3081322725241383}],"sentiment":"neutral","sentiment_score":0.16900011166930198,"num_words":100,"start":706.32,"end":732.45},{"sentences":[{"text":"I do wanna, as I mentioned, do a bit of a risk profile with you as well today because it's important to sort of have a look and see whether we're gonna make any changes to your portfolio.","start":732.77,"end":741.67,"sentiment":"neutral","sentiment_score":0.11236873053406414},{"text":"I know you would have received a record of advice in an email a few days ago.","start":742.77,"end":748.235,"sentiment":"neutral","sentiment_score":0.02858234174987849},{"text":"Do you remember receiving anything, noting we were making some changes to your portfolio there at all?","start":748.235,"end":753.455,"sentiment":"neutral","sentiment_score":-0.005070976146003779},{"text":"No.","start":758.49,"end":758.73,"sentiment":"neutral","sentiment_score":-0.17483264207839966},{"text":"That's okay.","start":758.73,"end":759.71,"sentiment":"neutral","sentiment_score":-0.11729180812835693}],"sentiment":"neutral","sentiment_score":0.056803849563002586,"num_words":75,"start":732.77,"end":759.71},{"sentences":[{"text":"One of your previous that's okay.","start":760.09,"end":762.99,"sentiment":"neutral","sentiment_score":-0.09439894184470177},{"text":"One of your previous underlying investments was Ben along Australian Equities.","start":763.29004,"end":767.79004,"sentiment":"neutral","sentiment_score":-0.09535244716839357},{"text":"It has been over the past couple of months underperforming.","start":768.33,"end":770.925,"sentiment":"neutral","sentiment_score":-0.17378083169460296},{"text":"So we have made some changes and have made a decision as a business to remove that investment.","start":771.145,"end":775.645,"sentiment":"neutral","sentiment_score":-0.1656472749180264},{"text":"So it has been removed out of your portfolio.","start":775.945,"end":778.205,"sentiment":"neutral","sentiment_score":-0.2701581137047874}],"sentiment":"neutral","sentiment_score":-0.16233616405063206,"num_words":54,"start":760.09,"end":778.205},{"sentences":[{"text":"You'll probably see in your email there a bit of a what's called a record of advice, just letting you know that we were gonna make that change for you.","start":778.34503,"end":785.22504,"sentiment":"neutral","sentiment_score":0.09871346984291449},{"text":"So but if you do see that, feel free to have a read through it.","start":785.22504,"end":789.64,"sentiment":"neutral","sentiment_score":0.05278184215227763},{"text":"Let me know if you have any questions in relation to it, but that those investments have been changed out of there.","start":789.64,"end":795.32,"sentiment":"neutral","sentiment_score":0.017949462275613438},{"text":"So instead of having a bend along Australian equities, which under was underperforming, we've now put in its place the Australian 200, so the beta share is a 200.","start":795.32,"end":803.905,"sentiment":"neutral","sentiment_score":0.026403200668122233},{"text":"And that essentially sorry.","start":804.525,"end":806.385,"sentiment":"neutral","sentiment_score":0.02553810179233551}],"sentiment":"neutral","sentiment_score":0.050158651241799815,"num_words":100,"start":778.34503,"end":806.385},{"sentences":[{"text":"That's still giving you exposure to Australian equities, which is important, but it's more of a lower cost passively managed funds.","start":806.84503,"end":813.245,"sentiment":"neutral","sentiment_score":0.10339976527861186},{"text":"The idea of the a 200 is that you're invested and you're tracking the top 200 companies on the ASX instead of having an investment manager trying to outperform the market.","start":813.245,"end":822.27997,"sentiment":"neutral","sentiment_score":0.12430575453946667},{"text":"When we look at passive versus active management, tracking an index, and just participating in the market even through the ups and downs, over the longer term, you do tend to come out in front and, like, been along with actively managed fund.","start":822.82,"end":836.36505,"sentiment":"neutral","sentiment_score":0.07045974569438501},{"text":"They were supposed to be buying and selling and trying to outperform the markets.","start":836.36505,"end":839.965,"sentiment":"neutral","sentiment_score":-0.023959423548408916},{"text":"They weren't doing so, so it was time to give them a flick and remove them from your fund for you.","start":839.965,"end":844.60504,"sentiment":"neutral","sentiment_score":-0.10710894511569113}],"sentiment":"neutral","sentiment_score":0.049768636533274103,"num_words":130,"start":806.84503,"end":844.60504},{"sentences":[{"text":"Okay?","start":844.60504,"end":845.10504,"sentiment":"neutral","sentiment_score":0.014881184324622154},{"text":"Beautiful.","start":846.22003,"end":846.7,"sentiment":"positive","sentiment_score":0.5235153436660767},{"text":"But when you do find that one, have a bit of a look at it.","start":846.7,"end":849.18,"sentiment":"neutral","sentiment_score":0.1173139834155639},{"text":"If you do find you have any questions in relation to it, you're welcome to let me know at any point in time.","start":849.18,"end":854.38,"sentiment":"neutral","sentiment_score":0.16580011954774027},{"text":"Okay?","start":854.38,"end":854.88,"sentiment":"neutral","sentiment_score":0.09602462500333786}],"sentiment":"neutral","sentiment_score":0.15140325984940295,"num_words":41,"start":844.60504,"end":854.88},{"sentences":[{"text":"Perfect.","start":857.42004,"end":857.92004,"sentiment":"neutral","sentiment_score":0.28564587235450745},{"text":"Now just to run through a few more other details for you with your main primary residence there, what sort of value do you think you put on the property there at the moment?","start":858.855,"end":868.875,"sentiment":"neutral","sentiment_score":0.06272340806968071},{"text":"Yep.","start":872.63,"end":873.11,"sentiment":"neutral","sentiment_score":0.10573987662792206},{"text":"Perfect.","start":873.11,"end":873.61,"sentiment":"neutral","sentiment_score":0.20538613200187683},{"text":"I think last time we spoke, I had about 570 on here, so it's gone up quite considerably.","start":873.75,"end":878.81,"sentiment":"neutral","sentiment_score":0.0443899350033866}],"sentiment":"neutral","sentiment_score":0.06415248337117109,"num_words":55,"start":857.42004,"end":878.81},{"sentences":[{"text":"Okay.","start":887.60504,"end":888.085,"sentiment":"neutral","sentiment_score":0.0516153946518898},{"text":"Perfect.","start":888.085,"end":888.585,"sentiment":"neutral","sentiment_score":0.14336860179901123},{"text":"Yep.","start":894.89996,"end":895.3,"sentiment":"neutral","sentiment_score":0.0765070915222168},{"text":"Yeah.","start":895.3,"end":895.7,"sentiment":"neutral","sentiment_score":0.11438531428575516},{"text":"Nice.","start":895.7,"end":896.2,"sentiment":"neutral","sentiment_score":0.29383349418640137}],"sentiment":"neutral","sentiment_score":0.13594197928905488,"num_words":5,"start":887.60504,"end":896.2},{"sentences":[{"text":"Okay.","start":907.15497,"end":907.65497,"sentiment":"neutral","sentiment_score":0.00778832845389843},{"text":"Yep.","start":910.275,"end":910.595,"sentiment":"neutral","sentiment_score":0.18500511348247528},{"text":"Perfect.","start":910.595,"end":911.095,"sentiment":"positive","sentiment_score":0.5033805966377258},{"text":"Yep.","start":912.355,"end":912.835,"sentiment":"neutral","sentiment_score":0.22028648853302},{"text":"Perfect.","start":912.835,"end":913.335,"sentiment":"positive","sentiment_score":0.4774637818336487}],"sentiment":"neutral","sentiment_score":0.27878486178815365,"num_words":5,"start":907.15497,"end":913.335},{"sentences":[{"text":"Not a problem at all.","start":913.555,"end":914.935,"sentiment":"positive","sentiment_score":0.35686705708503724},{"text":"And I've also got your Hilux down here.","start":915.395,"end":917.315,"sentiment":"neutral","sentiment_score":0.12218568939715624},{"text":"Do you still have the Hilux Ute?","start":917.315,"end":919.255,"sentiment":"neutral","sentiment_score":0.053559764687504084},{"text":"Yep.","start":920.27997,"end":920.68,"sentiment":"neutral","sentiment_score":0.15540629625320437},{"text":"Beautiful.","start":920.68,"end":921.08,"sentiment":"positive","sentiment_score":0.5940207242965698}],"sentiment":"neutral","sentiment_score":0.1766439169983972,"num_words":22,"start":913.555,"end":921.08},{"sentences":[{"text":"I had a value on that one of about, sorry, 15,000.","start":921.08,"end":924.84,"sentiment":"neutral","sentiment_score":0.1828990558331663},{"text":"Would that still be roughly the same?","start":924.84,"end":926.6,"sentiment":"neutral","sentiment_score":0.10001584674630846},{"text":"Or yep.","start":926.6,"end":930.06,"sentiment":"neutral","sentiment_score":0.0715597253292799},{"text":"Perfect.","start":930.12,"end":930.62,"sentiment":"positive","sentiment_score":0.5110968947410583},{"text":"All good.","start":931.0,"end":931.82,"sentiment":"positive","sentiment_score":0.5555629730224609}],"sentiment":"neutral","sentiment_score":0.1946670796884143,"num_words":23,"start":921.08,"end":931.82},{"sentences":[{"text":"And do you have any other assets?","start":932.525,"end":934.205,"sentiment":"neutral","sentiment_score":0.1128944775887898},{"text":"Having a look here, that's all I've kind of got noted down.","start":934.205,"end":936.765,"sentiment":"neutral","sentiment_score":0.09379639786978562},{"text":"But is there anything else that you would want noted or anything else that we maybe maybe need to note down about you?","start":936.765,"end":944.22504,"sentiment":"neutral","sentiment_score":0.011778670646574186},{"text":"No.","start":944.525,"end":945.025,"sentiment":"neutral","sentiment_score":-0.06504509598016739},{"text":"No.","start":947.10004,"end":947.42004,"sentiment":"neutral","sentiment_score":-0.05837440490722656}],"sentiment":"neutral","sentiment_score":0.04689336458051747,"num_words":44,"start":932.525,"end":947.42004},{"sentences":[{"text":"That's okay.","start":947.42004,"end":948.06,"sentiment":"neutral","sentiment_score":0.017711186781525612},{"text":"Another thing to take into account, a lot of people don't think about it, is their contents.","start":948.06,"end":951.76,"sentiment":"neutral","sentiment_score":-0.035659743692068493},{"text":"Do you have contents insurance?","start":951.9,"end":953.68005,"sentiment":"neutral","sentiment_score":-0.023223293013870716},{"text":"No.","start":957.26,"end":957.74005,"sentiment":"neutral","sentiment_score":-0.08667747676372528},{"text":"No.","start":957.74005,"end":958.06,"sentiment":"neutral","sentiment_score":-0.08613757789134979}],"sentiment":"neutral","sentiment_score":-0.033066338035636224,"num_words":26,"start":947.42004,"end":958.06},{"sentences":[{"text":"That's okay.","start":958.06,"end":958.96,"sentiment":"neutral","sentiment_score":-0.025210551917552948},{"text":"If you were to have a bit of a look around at your property, what sort of value do you think you might put on your content?","start":959.585,"end":965.84503,"sentiment":"neutral","sentiment_score":-0.026112805638048384},{"text":"Yeah.","start":969.34503,"end":969.66504,"sentiment":"neutral","sentiment_score":-0.001247284933924675},{"text":"That's okay.","start":969.66504,"end":970.385,"sentiment":"neutral","sentiment_score":0.03274513781070709},{"text":"Do you think maybe yeah.","start":970.385,"end":975.13,"sentiment":"neutral","sentiment_score":-0.04681801535189152}],"sentiment":"neutral","sentiment_score":-0.02500848492255082,"num_words":37,"start":958.06,"end":975.13},{"sentences":[{"text":"That's right.","start":975.13,"end":975.52997,"sentiment":"neutral","sentiment_score":0.011769416742026806},{"text":"Do you think maybe more or less than 10,000 might be an estimate of value or way less?","start":975.52997,"end":982.26996,"sentiment":"neutral","sentiment_score":-0.0295479917484853},{"text":"If I go five, four, three, two, what do you think you might like me to pop down?","start":983.29,"end":988.15497,"sentiment":"neutral","sentiment_score":-0.03156760898936126},{"text":"Yeah.","start":989.415,"end":989.915,"sentiment":"neutral","sentiment_score":0.06094756722450256},{"text":"Beautiful.","start":990.055,"end":990.555,"sentiment":"neutral","sentiment_score":0.1713820844888687}],"sentiment":"neutral","sentiment_score":-0.02110530820209533,"num_words":40,"start":975.13,"end":990.555},{"sentences":[{"text":"It sounds really interesting, and a lot of people think I'm you know, it might sound a bit silly.","start":990.935,"end":994.535,"sentiment":"neutral","sentiment_score":-0.04133881589299754},{"text":"But, realistically, if something happened to your property and you had to replace everything you had, and you're basically thinking about if you tipped your house upside down and everything fell out.","start":994.535,"end":1004.42004,"sentiment":"neutral","sentiment_score":-0.09897508821450174},{"text":"That's all your contents.","start":1004.42004,"end":1005.54004,"sentiment":"neutral","sentiment_score":-0.054121202789247036},{"text":"It could add up to quite a significant amount.","start":1005.54004,"end":1007.96,"sentiment":"neutral","sentiment_score":-0.06217268274890052},{"text":"Mhmm.","start":1015.95496,"end":1016.45496,"sentiment":"neutral","sentiment_score":-0.03459888696670532}],"sentiment":"neutral","sentiment_score":-0.0732812025799201,"num_words":65,"start":990.935,"end":1016.45496},{"sentences":[{"text":"Yep.","start":1018.915,"end":1019.39496,"sentiment":"neutral","sentiment_score":-0.016884444281458855},{"text":"No.","start":1019.39496,"end":1019.63495,"sentiment":"neutral","sentiment_score":-0.0006965659558773041},{"text":"That's okay.","start":1019.63495,"end":1020.435,"sentiment":"neutral","sentiment_score":0.2179422751069069},{"text":"That's not a problem at all.","start":1020.435,"end":1022.295,"sentiment":"positive","sentiment_score":0.5464651932319006},{"text":"All good.","start":1023.15497,"end":1023.815,"sentiment":"positive","sentiment_score":0.6943788528442383}],"sentiment":"positive","sentiment_score":0.42382103375469643,"num_words":12,"start":1018.915,"end":1023.815},{"sentences":[{"text":"And do you have any, like, tools or and anything of value you might keep in your shed?","start":1024.195,"end":1029.43,"sentiment":"neutral","sentiment_score":0.17834709998634127},{"text":"Yep.","start":1034.85,"end":1035.35,"sentiment":"neutral","sentiment_score":0.20111501216888428},{"text":"Perfect.","start":1035.65,"end":1036.13,"sentiment":"positive","sentiment_score":0.47640904784202576},{"text":"I can definitely note those down because they are a lot of those tools can be pretty expensive and quite costly if you had to replace them.","start":1036.13,"end":1042.9501,"sentiment":"neutral","sentiment_score":-0.0220264850391282},{"text":"So I'll just note those down for you here as well.","start":1043.635,"end":1045.875,"sentiment":"neutral","sentiment_score":0.011361921714110807}],"sentiment":"neutral","sentiment_score":0.05893168797523811,"num_words":58,"start":1024.195,"end":1045.875},{"sentences":[{"text":"And you said about 5 or 6,000?","start":1045.875,"end":1047.815,"sentiment":"neutral","sentiment_score":-0.011381728973771845},{"text":"Yep.","start":1051.075,"end":1051.575,"sentiment":"neutral","sentiment_score":0.06469346582889557},{"text":"Perfect.","start":1051.635,"end":1052.135,"sentiment":"neutral","sentiment_score":0.3274671137332916},{"text":"6,000.","start":1053.395,"end":1054.215,"sentiment":"neutral","sentiment_score":0.22729116678237915},{"text":"Lovely.","start":1054.515,"end":1055.015,"sentiment":"positive","sentiment_score":0.5781391859054565}],"sentiment":"neutral","sentiment_score":0.10162898449396546,"num_words":11,"start":1045.875,"end":1055.015},{"sentences":[{"text":"Excellent.","start":1055.395,"end":1055.895,"sentiment":"positive","sentiment_score":0.5390678644180298},{"text":"And have you ever considered have you got a will or a power of attorney in place, or have you considered having those drawn up in the past at all?","start":1057.86,"end":1066.84,"sentiment":"neutral","sentiment_score":0.08025278535981974},{"text":"Wow.","start":1077.875,"end":1078.375,"sentiment":"neutral","sentiment_score":0.06688399612903595},{"text":"Yep.","start":1078.755,"end":1079.235,"sentiment":"neutral","sentiment_score":0.07035316526889801},{"text":"Yep.","start":1079.235,"end":1079.635,"sentiment":"neutral","sentiment_score":0.0956900641322136}],"sentiment":"neutral","sentiment_score":0.09351701913949322,"num_words":34,"start":1055.395,"end":1079.635},{"sentences":[{"text":"Perfect.","start":1079.635,"end":1080.135,"sentiment":"neutral","sentiment_score":0.18207763135433197},{"text":"Yep.","start":1081.41,"end":1081.91,"sentiment":"neutral","sentiment_score":0.025912269949913025},{"text":"Yeah.","start":1090.2101,"end":1090.4501,"sentiment":"neutral","sentiment_score":0.010893292725086212},{"text":"Yeah.","start":1090.4501,"end":1090.93,"sentiment":"neutral","sentiment_score":0.0007066316902637482},{"text":"No.","start":1090.93,"end":1091.25,"sentiment":"neutral","sentiment_score":-0.03768663480877876}],"sentiment":"neutral","sentiment_score":0.036380638182163236,"num_words":5,"start":1079.635,"end":1091.25},{"sentences":[{"text":"Definitely.","start":1091.25,"end":1091.75,"sentiment":"neutral","sentiment_score":-0.009785766713321207},{"text":"I'm just also having a quick look at your beneficiaries as well because it's really important that they be updated on your portfolio here.","start":1092.29,"end":1099.185,"sentiment":"neutral","sentiment_score":0.04437125582868854},{"text":"Have they asked you anything about the beneficiaries on your super at all?","start":1099.3251,"end":1103.0851,"sentiment":"neutral","sentiment_score":-0.016848024983818714},{"text":"Or Mhmm.","start":1103.0851,"end":1108.0801,"sentiment":"neutral","sentiment_score":-0.05752759613096714},{"text":"Yep.","start":1111.8201,"end":1112.2201,"sentiment":"neutral","sentiment_score":0.0060720606707036495}],"sentiment":"neutral","sentiment_score":0.01773455894620317,"num_words":41,"start":1091.25,"end":1112.2201},{"sentences":[{"text":"No.","start":1112.2201,"end":1112.4601,"sentiment":"neutral","sentiment_score":-0.03576860949397087},{"text":"That's okay.","start":1112.4601,"end":1113.18,"sentiment":"neutral","sentiment_score":0.02329130657017231},{"text":"Because I'm having a look, and it's just loaded for me, and it just shows there's no beneficiary nominated here.","start":1113.18,"end":1117.8201,"sentiment":"neutral","sentiment_score":0.05258195828646421},{"text":"So, essentially, with the way that is noted at the moment, if you were to pass away in touch with nothing happens, we want you to be nice and healthy, enjoy your life.","start":1117.8201,"end":1126.6951,"sentiment":"neutral","sentiment_score":0.11506835348678357},{"text":"But if anything was to happen, with not having a beneficiary nomination on file, your super fund has essentially go through a bit of a probate, which means that they have to go out there and see if you've got any family members.","start":1126.6951,"end":1138.6,"sentiment":"neutral","sentiment_score":-0.08197776540074238}],"sentiment":"neutral","sentiment_score":0.013481463860682767,"num_words":99,"start":1112.2201,"end":1138.6},{"sentences":[{"text":"If there's nothing, no claims against the money, it goes to your state.","start":1139.14,"end":1142.68,"sentiment":"neutral","sentiment_score":-0.01060230046725617},{"text":"And, again, if you don't have a will in process or in progress, then there's a probate process there as well.","start":1142.8201,"end":1149.9401,"sentiment":"neutral","sentiment_score":-0.03636393988771098},{"text":"So it does kind of mean you are kinda going to that probate side of things.","start":1149.9401,"end":1154.365,"sentiment":"neutral","sentiment_score":0.022858104668557644},{"text":"It's it's doesn't normally affect us if we're not here anymore.","start":1154.365,"end":1158.3049,"sentiment":"neutral","sentiment_score":-0.0491276816888289},{"text":"However, it can be a little bit harder for family and friends and things like that, and it might mean that your estate doesn't get directed to where you want it to go, which could be the most important part there.","start":1158.445,"end":1168.05,"sentiment":"neutral","sentiment_score":-0.049768686498992326}],"sentiment":"neutral","sentiment_score":-0.030555525627991586,"num_words":102,"start":1139.14,"end":1168.05},{"sentences":[{"text":"So as part of the estate planning for your will, has your solicitor asked you questions about what you want to happen to the, you know, to your super or what you want to happen to your estate?","start":1168.05,"end":1182.005,"sentiment":"neutral","sentiment_score":0.05478950413434129},{"text":"What have they kind of discussed with you so far?","start":1182.005,"end":1184.265,"sentiment":"neutral","sentiment_score":0.007206695433706045},{"text":"Yeah.","start":1186.885,"end":1187.385,"sentiment":"neutral","sentiment_score":-0.002710128203034401},{"text":"Okay.","start":1188.7251,"end":1189.2251,"sentiment":"neutral","sentiment_score":-0.026910273358225822},{"text":"No.","start":1189.285,"end":1189.525,"sentiment":"neutral","sentiment_score":-0.1691994667053223}],"sentiment":"neutral","sentiment_score":0.038338200846577394,"num_words":51,"start":1168.05,"end":1189.525},{"sentences":[{"text":"That's nice.","start":1189.525,"end":1199.0,"sentiment":"neutral","sentiment_score":0.0014462098479271074},{"text":"Yeah.","start":1205.315,"end":1205.715,"sentiment":"neutral","sentiment_score":0.09409511089324953},{"text":"Perfect.","start":1205.715,"end":1206.215,"sentiment":"positive","sentiment_score":0.36284491419792175},{"text":"Yep.","start":1212.995,"end":1213.495,"sentiment":"neutral","sentiment_score":0.08638854324817657},{"text":"Yep.","start":1214.835,"end":1215.1549,"sentiment":"neutral","sentiment_score":0.13012129068374634}],"sentiment":"neutral","sentiment_score":0.11272371311982472,"num_words":6,"start":1189.525,"end":1215.1549},{"sentences":[{"text":"Yep.","start":1215.1549,"end":1215.63,"sentiment":"neutral","sentiment_score":0.1476484388113022},{"text":"So you just can request it all to some charities that, you know, pique your interest or are close to your heart?","start":1215.79,"end":1222.13,"sentiment":"neutral","sentiment_score":0.21302798796783795},{"text":"Yep.","start":1222.75,"end":1223.25,"sentiment":"neutral","sentiment_score":0.14300537109375},{"text":"That's really nice.","start":1223.47,"end":1224.61,"sentiment":"positive","sentiment_score":0.38644295930862427},{"text":"Oh, beautiful.","start":1228.605,"end":1229.265,"sentiment":"positive","sentiment_score":0.5861324071884155}],"sentiment":"neutral","sentiment_score":0.2520297668103514,"num_words":29,"start":1215.1549,"end":1229.265},{"sentences":[{"text":"Yeah.","start":1237.405,"end":1237.905,"sentiment":"neutral","sentiment_score":0.2939731478691101},{"text":"Yep.","start":1240.9401,"end":1241.4401,"sentiment":"neutral","sentiment_score":0.1719563454389572},{"text":"Yep.","start":1245.66,"end":1246.16,"sentiment":"neutral","sentiment_score":0.1470409780740738},{"text":"No.","start":1248.14,"end":1248.38,"sentiment":"neutral","sentiment_score":0.05799875780940056},{"text":"That's okay.","start":1248.38,"end":1249.26,"sentiment":"neutral","sentiment_score":0.19581715017557144}],"sentiment":"neutral","sentiment_score":0.17710058825711408,"num_words":6,"start":1237.405,"end":1249.26},{"sentences":[{"text":"That's not a problem at all.","start":1249.26,"end":1250.7001,"sentiment":"positive","sentiment_score":0.3456865067904194},{"text":"It's probably one of the most honest and probably one of the nicest things I've heard when it comes to the estate planning side of things.","start":1250.7001,"end":1256.855,"sentiment":"positive","sentiment_score":0.630762551839535},{"text":"So that's really 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all.","start":1271.6699,"end":1273.37,"sentiment":"neutral","sentiment_score":0.16282023365298906},{"text":"Yeah.","start":1281.125,"end":1281.625,"sentiment":"neutral","sentiment_score":0.1625341922044754}],"sentiment":"neutral","sentiment_score":0.13200903683900833,"num_words":11,"start":1270.07,"end":1281.625},{"sentences":[{"text":"No.","start":1281.845,"end":1282.165,"sentiment":"neutral","sentiment_score":0.18071195483207703},{"text":"Not a problem at all.","start":1282.165,"end":1283.285,"sentiment":"neutral","sentiment_score":0.26906816363334657},{"text":"That's fantastic.","start":1283.285,"end":1284.105,"sentiment":"positive","sentiment_score":0.6838206350803375},{"text":"So when it comes down to your super, with not having any direct beneficiaries, and they do have a bit of laws and legislation around who can receive your super.","start":1284.485,"end":1293.5,"sentiment":"neutral","sentiment_score":0.08021476194262504},{"text":"It generally has to be your children, your spouse, someone with who's relied on you, lived with you, or relied on you for support or, like, someone with the who's had an interdependent relationship, they call it, to someone who's relied on you for day to day living expenses.","start":1293.5,"end":1307.595,"sentiment":"neutral","sentiment_score":0.01950751231717212}],"sentiment":"neutral","sentiment_score":0.07190810350551345,"num_words":87,"start":1281.845,"end":1307.595},{"sentences":[{"text":"It looks like you don't really have anyone in that capacity.","start":1307.595,"end":1310.255,"sentiment":"neutral","sentiment_score":-0.04923332008448514},{"text":"So the other option no.","start":1311.115,"end":1313.4349,"sentiment":"neutral","sentiment_score":-0.051019078120589256},{"text":"That's okay.","start":1313.4349,"end":1314.335,"sentiment":"neutral","sentiment_score":-0.018744117580354214},{"text":"The other option is we can always nominate your legal personal representative, which means that in the event of your passing, your super is paid with your to your estate and then gets divided up with your will.","start":1314.475,"end":1326.11,"sentiment":"neutral","sentiment_score":0.030414934662219725},{"text":"Does that sound like something that's more probably better for you?","start":1326.11,"end":1329.15,"sentiment":"neutral","sentiment_score":0.031957699324597015}],"sentiment":"neutral","sentiment_score":0.010047045717043663,"num_words":67,"start":1307.595,"end":1329.15},{"sentences":[{"text":"Yep.","start":1329.15,"end":1329.65,"sentiment":"neutral","sentiment_score":0.0718020647764206},{"text":"Yep.","start":1329.95,"end":1330.35,"sentiment":"neutral","sentiment_score":0.12097379565238953},{"text":"Perfect.","start":1330.35,"end":1330.85,"sentiment":"positive","sentiment_score":0.35465294122695923},{"text":"Yeah.","start":1332.03,"end":1332.43,"sentiment":"neutral","sentiment_score":0.14161814749240875},{"text":"Beautiful.","start":1332.43,"end":1332.93,"sentiment":"neutral","sentiment_score":0.2851787507534027}],"sentiment":"neutral","sentiment_score":0.19484513998031616,"num_words":5,"start":1329.15,"end":1332.93},{"sentences":[{"text":"Are you comfortable with if you like, we can do is we can resend out with some beneficiary nominations to us.","start":1333.07,"end":1338.375,"sentiment":"neutral","sentiment_score":0.0994077752388659},{"text":"Would you like us to pre fill the beneficiary section, take the legal personal representative for you to make it a bit easier?","start":1338.4349,"end":1344.7749,"sentiment":"neutral","sentiment_score":0.07931061477764793},{"text":"Yeah.","start":1347.33,"end":1347.73,"sentiment":"neutral","sentiment_score":0.1806339919567108},{"text":"Beautiful.","start":1347.73,"end":1348.21,"sentiment":"neutral","sentiment_score":0.3140825927257538},{"text":"And you're comfortable is it maybe a 100% to your estate?","start":1348.21,"end":1351.97,"sentiment":"neutral","sentiment_score":0.10601416839794679}],"sentiment":"neutral","sentiment_score":0.09776455889406957,"num_words":57,"start":1333.07,"end":1351.97},{"sentences":[{"text":"Does that sound right?","start":1351.97,"end":1352.85,"sentiment":"neutral","sentiment_score":0.08376588486135006},{"text":"And are you comfortable with us pre filling that for you?","start":1352.85,"end":1357.01,"sentiment":"neutral","sentiment_score":0.03740496882660822},{"text":"Yeah.","start":1357.01,"end":1357.49,"sentiment":"neutral","sentiment_score":0.11556370556354524},{"text":"Beautiful.","start":1357.49,"end":1357.99,"sentiment":"positive","sentiment_score":0.3654131293296814},{"text":"Lovely.","start":1358.13,"end":1358.61,"sentiment":"positive","sentiment_score":0.36567288637161255}],"sentiment":"neutral","sentiment_score":0.08850932876682943,"num_words":18,"start":1351.97,"end":1358.61},{"sentences":[{"text":"Just need to make sure we get some directions and that we do and when we are pre filling these homes because they are legal forms that we have, you know, correct instructions from you so that we're doing the right thing.","start":1358.61,"end":1369.095,"sentiment":"neutral","sentiment_score":0.13969788877736955},{"text":"Okay.","start":1369.095,"end":1369.595,"sentiment":"neutral","sentiment_score":0.04100678861141205},{"text":"Beautiful.","start":1370.855,"end":1371.355,"sentiment":"positive","sentiment_score":0.5511100888252258},{"text":"Marital status, I have you down as single.","start":1371.815,"end":1374.075,"sentiment":"neutral","sentiment_score":0.01693686516955495},{"text":"Any new flames in the work?","start":1374.215,"end":1376.0549,"sentiment":"neutral","sentiment_score":-0.047762953055401645}],"sentiment":"neutral","sentiment_score":0.10876457601914118,"num_words":58,"start":1358.61,"end":1376.0549},{"sentences":[{"text":"Have you got any new hot relationships recently?","start":1376.0549,"end":1378.77,"sentiment":"neutral","sentiment_score":-0.04805569048039615},{"text":"No.","start":1378.91,"end":1379.2301,"sentiment":"neutral","sentiment_score":-0.06212420016527176},{"text":"Nothing?","start":1379.2301,"end":1379.7301,"sentiment":"neutral","sentiment_score":-0.04493531957268715},{"text":"That's okay.","start":1381.2301,"end":1382.05,"sentiment":"neutral","sentiment_score":-0.03067547082901001},{"text":"Do you have any dependent children or any children at all?","start":1382.8301,"end":1386.93,"sentiment":"neutral","sentiment_score":-0.0390604209493507}],"sentiment":"neutral","sentiment_score":-0.04271828763834808,"num_words":23,"start":1376.0549,"end":1386.93},{"sentences":[{"text":"Nope.","start":1387.31,"end":1387.55,"sentiment":"neutral","sentiment_score":-0.11528833955526352},{"text":"That's okay.","start":1387.55,"end":1388.4501,"sentiment":"neutral","sentiment_score":-0.07880739122629166},{"text":"Beautiful.","start":1389.135,"end":1389.635,"sentiment":"neutral","sentiment_score":0.2557424306869507},{"text":"I don't have a next of kin down here for you at all.","start":1389.935,"end":1392.495,"sentiment":"neutral","sentiment_score":-0.11158551977804074},{"text":"It is really important that we do have someone that we can contact if we were unable to get a hold of you as a bit of a next of kin.","start":1392.495,"end":1399.055,"sentiment":"neutral","sentiment_score":-0.024446750119809183}],"sentiment":"neutral","sentiment_score":-0.04636711879478147,"num_words":48,"start":1387.31,"end":1399.055},{"sentences":[{"text":"Would there be anyone that you would want noted?","start":1399.055,"end":1401.3151,"sentiment":"neutral","sentiment_score":0.011620877517594231},{"text":"If you don't, it's okay.","start":1405.0399,"end":1406.5,"sentiment":"neutral","sentiment_score":-0.041903824731707576},{"text":"Yep.","start":1408.08,"end":1408.58,"sentiment":"neutral","sentiment_score":0.03346046060323715},{"text":"That's okay.","start":1408.96,"end":1409.86,"sentiment":"neutral","sentiment_score":0.06704673543572426},{"text":"If you do happen to no.","start":1413.9199,"end":1416.9751,"sentiment":"neutral","sentiment_score":-0.023859253463645775}],"sentiment":"neutral","sentiment_score":-0.003501426752494729,"num_words":23,"start":1399.055,"end":1416.9751},{"sentences":[{"text":"That's okay.","start":1416.9751,"end":1417.875,"sentiment":"neutral","sentiment_score":0.06443312764167786},{"text":"You just enjoy your own company, kinda fairly secluded, and have your regular acquaintances.","start":1418.015,"end":1423.4751,"sentiment":"neutral","sentiment_score":0.14641197198735817},{"text":"Yeah.","start":1423.775,"end":1424.275,"sentiment":"neutral","sentiment_score":0.08431248366832733},{"text":"That's okay.","start":1425.615,"end":1426.3351,"sentiment":"neutral","sentiment_score":0.17052560299634933},{"text":"It's not a problem at all.","start":1426.3351,"end":1427.6951,"sentiment":"neutral","sentiment_score":0.26203224062919617}],"sentiment":"neutral","sentiment_score":0.16704763986170293,"num_words":25,"start":1416.9751,"end":1427.6951},{"sentences":[{"text":"I'll just make a note here for you.","start":1427.6951,"end":1429.635,"sentiment":"neutral","sentiment_score":0.15634749550372362},{"text":"Now what sort of you mentioned you're doing some casual work.","start":1430.4299,"end":1433.23,"sentiment":"neutral","sentiment_score":0.030714547430927105},{"text":"What kind of work are you doing casually?","start":1433.23,"end":1434.83,"sentiment":"neutral","sentiment_score":0.015394592541269958},{"text":"What do you normally do by trade?","start":1434.83,"end":1436.37,"sentiment":"neutral","sentiment_score":0.003924092810068812},{"text":"Perfect.","start":1442.285,"end":1442.785,"sentiment":"neutral","sentiment_score":0.07805432379245758}],"sentiment":"neutral","sentiment_score":0.05192341998751674,"num_words":35,"start":1427.6951,"end":1442.785},{"sentences":[{"text":"Lovely.","start":1444.0449,"end":1444.2449,"sentiment":"neutral","sentiment_score":0.2747241258621216},{"text":"A bit of a jack of all trades.","start":1444.2449,"end":1445.985,"sentiment":"neutral","sentiment_score":0.1239886675029993},{"text":"Yeah.","start":1447.005,"end":1447.505,"sentiment":"neutral","sentiment_score":0.03640091419219971},{"text":"Perfect.","start":1451.085,"end":1451.585,"sentiment":"neutral","sentiment_score":0.10569071769714355},{"text":"Sounds like you are a bit of a jack of all trades, that one.","start":1452.445,"end":1455.105,"sentiment":"neutral","sentiment_score":0.052000232440020354}],"sentiment":"neutral","sentiment_score":0.08546913407742977,"num_words":25,"start":1444.0449,"end":1455.105},{"sentences":[{"text":"Fantastic.","start":1458.33,"end":1458.83,"sentiment":"positive","sentiment_score":0.44385796785354614},{"text":"And I've got down here that you're averaging roughly about 20 to 30,000 casually over the course of the year, give or take, depending on the work that you get and that you're able to do.","start":1460.33,"end":1469.61,"sentiment":"neutral","sentiment_score":0.16952637169096205},{"text":"Does that sound about right?","start":1469.61,"end":1470.735,"sentiment":"neutral","sentiment_score":0.04802056141197682},{"text":"Yep.","start":1470.735,"end":1471.235,"sentiment":"neutral","sentiment_score":0.04054775834083557},{"text":"Beautiful.","start":1473.215,"end":1473.715,"sentiment":"neutral","sentiment_score":0.2270071804523468}],"sentiment":"neutral","sentiment_score":0.1603287521495738,"num_words":44,"start":1458.33,"end":1473.715},{"sentences":[{"text":"And health wise, has there been any major changes?","start":1474.735,"end":1477.375,"sentiment":"neutral","sentiment_score":-0.0076241350422302885},{"text":"Is everything still fairly much as it was, or have you had any major changes in your health?","start":1477.375,"end":1481.955,"sentiment":"neutral","sentiment_score":-0.03718552396943172},{"text":"Beautiful.","start":1484.11,"end":1484.61,"sentiment":"positive","sentiment_score":0.46033328771591187},{"text":"Beautiful.","start":1484.99,"end":1485.49,"sentiment":"neutral","sentiment_score":0.07117894291877747},{"text":"With medium term and long term goals here, I've got down here that you're hoping to sorta access super maybe around age 67.","start":1486.91,"end":1493.73,"sentiment":"neutral","sentiment_score":0.06466686547450397}],"sentiment":"neutral","sentiment_score":0.024632567109969947,"num_words":52,"start":1474.735,"end":1493.73},{"sentences":[{"text":"Is there I've also got down here that you're hoping by the end of the year to maybe sell your current property and buy something in the country.","start":1494.51,"end":1500.7251,"sentiment":"neutral","sentiment_score":0.06851790113640684},{"text":"Is there any other goals that you have that you're looking to achieve in the next one, two, three, or five years?","start":1501.425,"end":1506.865,"sentiment":"neutral","sentiment_score":0.07275032150474461},{"text":"It can be anything at all.","start":1506.865,"end":1508.485,"sentiment":"neutral","sentiment_score":0.03879286007334789},{"text":"Yep.","start":1513.28,"end":1513.52,"sentiment":"neutral","sentiment_score":0.16844181716442108},{"text":"It's okay.","start":1513.52,"end":1514.26,"sentiment":"positive","sentiment_score":0.4007166922092438}],"sentiment":"neutral","sentiment_score":0.08002780791435202,"num_words":59,"start":1494.51,"end":1514.26},{"sentences":[{"text":"Fairly simple.","start":1514.88,"end":1515.76,"sentiment":"positive","sentiment_score":0.5646286010742188},{"text":"I love it.","start":1515.76,"end":1516.3201,"sentiment":"positive","sentiment_score":0.7707355817159017},{"text":"Just live in the country and enjoy yourself.","start":1516.3201,"end":1518.4,"sentiment":"positive","sentiment_score":0.6944683790206909},{"text":"Nice, quiet life.","start":1518.4,"end":1519.54,"sentiment":"positive","sentiment_score":0.6542797287305196},{"text":"Beautiful.","start":1522.7201,"end":1523.2201,"sentiment":"positive","sentiment_score":0.5444895029067993}],"sentiment":"positive","sentiment_score":0.6767376275623546,"num_words":17,"start":1514.88,"end":1523.2201},{"sentences":[{"text":"That's okay.","start":1524.905,"end":1525.865,"sentiment":"neutral","sentiment_score":0.3183638006448746},{"text":"It's not a problem.","start":1525.865,"end":1526.745,"sentiment":"neutral","sentiment_score":0.33250461518764496},{"text":"As I kinda mentioned, they'll do catch ups with you a bit more regularly, Nigel.","start":1526.745,"end":1530.185,"sentiment":"neutral","sentiment_score":0.2565452327330907},{"text":"So if anything does change, you are welcome to let me know.","start":1530.185,"end":1533.645,"sentiment":"neutral","sentiment_score":0.23955752203861871},{"text":"Okay?","start":1533.705,"end":1534.205,"sentiment":"neutral","sentiment_score":0.1715392768383026}],"sentiment":"neutral","sentiment_score":0.26062217924524755,"num_words":34,"start":1524.905,"end":1534.205},{"sentences":[{"text":"So the property in the next, we'll say, end of the year.","start":1536.4401,"end":1541.98,"sentiment":"neutral","sentiment_score":0.07379560669263203},{"text":"Yes.","start":1542.52,"end":1543.02,"sentiment":"neutral","sentiment_score":0.32050609588623047},{"text":"Beautiful.","start":1543.16,"end":1543.66,"sentiment":"positive","sentiment_score":0.4738471210002899},{"text":"Now the next thing I just want to run through is a bit of a risk profile there.","start":1544.84,"end":1548.075,"sentiment":"neutral","sentiment_score":0.006666646752920415},{"text":"So the last information I have here is that you're in more of a moderate portfolio, which is sort of on the lower end of the risk scale.","start":1548.075,"end":1554.335,"sentiment":"neutral","sentiment_score":-0.003753455463863377}],"sentiment":"neutral","sentiment_score":0.02824672309604163,"num_words":60,"start":1536.4401,"end":1554.335},{"sentences":[{"text":"Generally, suit someone who has about three to five years before they're wanting to access their super there.","start":1554.7949,"end":1559.855,"sentiment":"neutral","sentiment_score":0.009975645243280774},{"text":"Given your age and stage, it sounds about right, really, because you're 63 this year, about to turn 63 this year.","start":1560.2,"end":1568.22,"sentiment":"neutral","sentiment_score":0.030246692133091745},{"text":"So and the reason I kind of ask a bit more about when you're kinda hoping to access super, It's it's basically because of that because we don't wanna see you taking too much risk in the market.","start":1569.8,"end":1581.375,"sentiment":"neutral","sentiment_score":-0.01580226345992598},{"text":"We wanna make sure you're in a portfolio.","start":1581.375,"end":1583.475,"sentiment":"neutral","sentiment_score":0.007618969073519111},{"text":"It's kind of in line with the amount of risk you're able to take.","start":1583.535,"end":1586.515,"sentiment":"neutral","sentiment_score":0.032046212415610044}],"sentiment":"neutral","sentiment_score":0.007311665293974614,"num_words":99,"start":1554.7949,"end":1586.515},{"sentences":[{"text":"The idea is we're sort of hoping that you're not gonna be accessing your super right when there is a market dip.","start":1586.895,"end":1591.47,"sentiment":"neutral","sentiment_score":0.01067992617291483},{"text":"So that's why I wanna kind of catch up a little bit more regularly with you, maybe once every three or six months just to see how your portfolio is going, see how the market is going.","start":1591.47,"end":1600.83,"sentiment":"neutral","sentiment_score":0.07547533441637014},{"text":"And then when we need to maybe update some advice, we can do that with you.","start":1600.83,"end":1605.07,"sentiment":"neutral","sentiment_score":0.06429764674976468},{"text":"Okay?","start":1605.07,"end":1605.57,"sentiment":"neutral","sentiment_score":0.04004178196191788},{"text":"I've got sorry.","start":1607.705,"end":1609.065,"sentiment":"neutral","sentiment_score":-0.06452521185080211}],"sentiment":"neutral","sentiment_score":0.049402205615386934,"num_words":79,"start":1586.895,"end":1609.065},{"sentences":[{"text":"I've got the risk profile questionnaire up here in front of me.","start":1609.065,"end":1611.3849,"sentiment":"neutral","sentiment_score":0.0027026787089804807},{"text":"It is very similar to the last couple of years.","start":1611.3849,"end":1613.8049,"sentiment":"neutral","sentiment_score":0.012762819044291973},{"text":"I've got just a couple of questions already answered to make it easier.","start":1614.2649,"end":1617.8049,"sentiment":"neutral","sentiment_score":0.06989123672246933},{"text":"The first one here is I've got down, you've never invested into shares or direct funds in your own name before.","start":1618.13,"end":1623.81,"sentiment":"neutral","sentiment_score":0.017959522039052985},{"text":"Is that right?","start":1623.81,"end":1624.7101,"sentiment":"neutral","sentiment_score":0.03697484669586023}],"sentiment":"neutral","sentiment_score":0.026385100258482716,"num_words":59,"start":1609.065,"end":1624.7101},{"sentences":[{"text":"Yeah.","start":1626.53,"end":1626.93,"sentiment":"neutral","sentiment_score":0.24791184067726135},{"text":"Beautiful.","start":1626.93,"end":1627.43,"sentiment":"positive","sentiment_score":0.6156214475631714},{"text":"Lovely.","start":1627.9701,"end":1628.4701,"sentiment":"positive","sentiment_score":0.5661033391952515},{"text":"How do you think you might be feeling over the course of the say, one to two years if due to what was happening in the world, generally, if the market did take a bit of a dip?","start":1629.25,"end":1637.825,"sentiment":"neutral","sentiment_score":0.041615157339133714},{"text":"How do you think that might be making you feel?","start":1637.825,"end":1640.405,"sentiment":"neutral","sentiment_score":-0.017391345277428628}],"sentiment":"neutral","sentiment_score":0.05562939516761724,"num_words":51,"start":1626.53,"end":1640.405},{"sentences":[{"text":"Yeah.","start":1645.44,"end":1645.94,"sentiment":"neutral","sentiment_score":-0.23358038067817688},{"text":"So concern.","start":1660.515,"end":1660.7711,"sentiment":"neutral","sentiment_score":-0.15387073159217834},{"text":"Absolutely.","start":1660.7711,"end":1660.8351,"sentiment":"neutral","sentiment_score":0.04958739131689072},{"text":"And we would definitely love it if it didn't.","start":1660.8351,"end":1662.8551,"sentiment":"neutral","sentiment_score":0.1189316858847936},{"text":"Absolutely.","start":1663.4751,"end":1663.9751,"sentiment":"neutral","sentiment_score":0.0926608294248581}],"sentiment":"neutral","sentiment_score":0.04795082498873983,"num_words":14,"start":1645.44,"end":1663.9751},{"sentences":[{"text":"That's okay, sir.","start":1664.435,"end":1665.395,"sentiment":"neutral","sentiment_score":0.10793712983528773},{"text":"A bit concerned.","start":1665.395,"end":1666.2151,"sentiment":"neutral","sentiment_score":-0.13975885013739267},{"text":"Do you think in that sort of a time frame you might be wanting to put more money intake advantage of the dip?","start":1666.8351,"end":1671.85,"sentiment":"neutral","sentiment_score":-0.07783744597564572},{"text":"Are you more likely to call us and have a chat with me to see what's going on and what we can do, or are you feeling like maybe moving some money out into a different, more secure asset?","start":1671.85,"end":1681.61,"sentiment":"neutral","sentiment_score":-0.0048106408749635406},{"text":"How do you think you might react in that circumstance?","start":1681.61,"end":1683.87,"sentiment":"neutral","sentiment_score":-0.05441225357353687}],"sentiment":"neutral","sentiment_score":-0.033557230105193764,"num_words":78,"start":1664.435,"end":1683.87},{"sentences":[{"text":"Yep.","start":1693.635,"end":1694.135,"sentiment":"neutral","sentiment_score":-0.033804040402173996},{"text":"That's okay.","start":1694.1951,"end":1695.015,"sentiment":"neutral","sentiment_score":-0.11128098517656326},{"text":"Okay.","start":1699.49,"end":1699.99,"sentiment":"neutral","sentiment_score":-0.07532595098018646},{"text":"Yeah.","start":1701.5701,"end":1702.0701,"sentiment":"neutral","sentiment_score":-0.09028539061546326},{"text":"No.","start":1704.2101,"end":1704.53,"sentiment":"neutral","sentiment_score":-0.136905238032341}],"sentiment":"neutral","sentiment_score":-0.0931470983972152,"num_words":6,"start":1693.635,"end":1704.53},{"sentences":[{"text":"Of course.","start":1704.53,"end":1705.17,"sentiment":"neutral","sentiment_score":-0.07326983660459518},{"text":"Understandable.","start":1705.17,"end":1705.67,"sentiment":"neutral","sentiment_score":-0.12614446878433228},{"text":"Okay.","start":1710.785,"end":1711.265,"sentiment":"neutral","sentiment_score":-0.03859981894493103},{"text":"No.","start":1711.265,"end":1711.505,"sentiment":"neutral","sentiment_score":-0.05643448978662491},{"text":"That's alright.","start":1711.505,"end":1712.245,"sentiment":"neutral","sentiment_score":0.023871984973084185}],"sentiment":"neutral","sentiment_score":-0.04571064011127289,"num_words":7,"start":1704.53,"end":1712.245},{"sentences":[{"text":"Well, I'll definitely make sure I guide you through things.","start":1712.4651,"end":1714.785,"sentiment":"neutral","sentiment_score":0.20174926668405532},{"text":"And knowing that when we have those conversations, we'll definitely talk a little bit slower and a bit deeper.","start":1714.785,"end":1719.3451,"sentiment":"neutral","sentiment_score":0.07525617727323582},{"text":"And if you find you have questions about the investments, about the way things are looking, or anything that you are hearing, please flag it for me because I'm more than happy to make time to chat you through things in a bit more detail as well.","start":1719.3451,"end":1731.72,"sentiment":"neutral","sentiment_score":0.12337359348113866},{"text":"Okay?","start":1731.72,"end":1732.22,"sentiment":"neutral","sentiment_score":0.0566471628844738},{"text":"Perfect.","start":1734.4401,"end":1734.9401,"sentiment":"positive","sentiment_score":0.49062538146972656}],"sentiment":"neutral","sentiment_score":0.12555373683333015,"num_words":78,"start":1712.4651,"end":1734.9401},{"sentences":[{"text":"So I've sort of ticked the box here saying you'd probably maybe call us hold and wait.","start":1736.12,"end":1739.965,"sentiment":"neutral","sentiment_score":0.01685445142142913},{"text":"If we did see a market dip in the next, say, one to two years or when you are closer to the age of 67, do you think you'd be willing to work a little bit longer before accessing accessing some of that super, or do you think you'd be more inclined to just retire anyway?","start":1739.965,"end":1754.26,"sentiment":"neutral","sentiment_score":-0.09012254137944962},{"text":"How do you think you might feel?","start":1754.26,"end":1755.64,"sentiment":"neutral","sentiment_score":-0.07305901604039329},{"text":"Perfect.","start":1761.7,"end":1762.2,"sentiment":"positive","sentiment_score":0.5501203536987305},{"text":"Perfect.","start":1762.34,"end":1762.84,"sentiment":"positive","sentiment_score":0.5958952903747559}],"sentiment":"neutral","sentiment_score":-0.05031383062553842,"num_words":82,"start":1736.12,"end":1762.84},{"sentences":[{"text":"All good.","start":1763.14,"end":1763.88,"sentiment":"positive","sentiment_score":0.5944738686084747},{"text":"And I've got here what reasonable rate of return are you hoping to get out of your super.","start":1764.58,"end":1768.9349,"sentiment":"neutral","sentiment_score":0.30426644285519916},{"text":"Obviously, we're all wanting the best return we can possibly get.","start":1768.9349,"end":1771.6549,"sentiment":"neutral","sentiment_score":0.16899201815778558},{"text":"Am I wrong?","start":1771.6549,"end":1772.375,"sentiment":"neutral","sentiment_score":-0.09827346603075664},{"text":"Or beautiful.","start":1772.375,"end":1777.4349,"sentiment":"neutral","sentiment_score":0.24036400206387043}],"sentiment":"neutral","sentiment_score":0.24196009762171242,"num_words":36,"start":1763.14,"end":1777.4349},{"sentences":[{"text":"And when it comes to borrowing for investments, you've had your investment so you received the investment property as a bit of an inheritance, but you've only really borrowed for your main primary residence.","start":1778.0549,"end":1789.23,"sentiment":"neutral","sentiment_score":0.04064620750517968},{"text":"Is that right?","start":1789.23,"end":1790.13,"sentiment":"neutral","sentiment_score":0.026169924686352413},{"text":"Yes.","start":1791.87,"end":1792.2699,"sentiment":"neutral","sentiment_score":0.2277982234954834},{"text":"Beautiful.","start":1792.2699,"end":1792.7699,"sentiment":"positive","sentiment_score":0.5890976190567017},{"text":"Lovely.","start":1793.07,"end":1793.57,"sentiment":"positive","sentiment_score":0.5316048264503479}],"sentiment":"neutral","sentiment_score":0.07022453745594248,"num_words":40,"start":1778.0549,"end":1793.57},{"sentences":[{"text":"Now having a look at this one here, you've actually scored there as a growth invest and growth investor.","start":1794.375,"end":1800.0751,"sentiment":"neutral","sentiment_score":0.11702254140063335},{"text":"With where you are, that was the sort of portfolio you were in originally.","start":1800.855,"end":1804.475,"sentiment":"neutral","sentiment_score":0.03810977776135717},{"text":"I'm having a look at your file here.","start":1804.615,"end":1806.715,"sentiment":"neutral","sentiment_score":0.033079058630391955},{"text":"It kind of looks like we did provide a record of advice back in 2022 to move you into something a little bit more conservative, more of a moderate portfolio.","start":1806.855,"end":1815.18,"sentiment":"neutral","sentiment_score":0.014382679760456086},{"text":"I'm just trying to find the asset allocation there for this one.","start":1817.0801,"end":1821.5801,"sentiment":"neutral","sentiment_score":-0.01589773688465357}],"sentiment":"neutral","sentiment_score":0.03930488186159048,"num_words":83,"start":1794.375,"end":1821.5801},{"sentences":[{"text":"But from what I can see here, it's generally looking like sorry.","start":1823.235,"end":1829.395,"sentiment":"neutral","sentiment_score":-0.14333533557752767},{"text":"I'm just going to pull up a different document which breaks it down because I don't wanna give you the wrong information, but that one there doesn't have the asset allocation in it.","start":1829.395,"end":1840.97,"sentiment":"neutral","sentiment_score":-0.20259801072604727},{"text":"So I just wanna make sure that we're that you understand, but that I also know exactly what portfolio you're in because I don't want you to be taking on too much risk in the market.","start":1840.97,"end":1854.385,"sentiment":"neutral","sentiment_score":-0.028946961948855057},{"text":"But we also wanna make sure that your portfolio is working, that you are getting returns because without contributions, that's essentially the most important thing is that your portfolio is working harder for you.","start":1854.385,"end":1864.0651,"sentiment":"neutral","sentiment_score":0.278922147829743},{"text":"It's a bit of a a juggling act, that one, and that you want you want returns.","start":1864.0651,"end":1867.6699,"sentiment":"neutral","sentiment_score":0.09294932028826546}],"sentiment":"neutral","sentiment_score":0.012239715606538635,"num_words":132,"start":1823.235,"end":1867.6699},{"sentences":[{"text":"So sorry.","start":1870.0499,"end":1872.0499,"sentiment":"neutral","sentiment_score":-0.020439865067601204},{"text":"I won't be in two minutes.","start":1872.0499,"end":1873.41,"sentiment":"neutral","sentiment_score":-0.06244249207278093},{"text":"I'm just gonna scroll through this table a little bit here.","start":1873.41,"end":1877.35,"sentiment":"neutral","sentiment_score":0.010560457986271516},{"text":"Won't be one second.","start":1882.305,"end":1883.525,"sentiment":"neutral","sentiment_score":0.020190638955682516},{"text":"All good.","start":1899.4401,"end":1900.6067,"sentiment":"positive","sentiment_score":0.44626370072364807}],"sentiment":"neutral","sentiment_score":0.026956812501884996,"num_words":25,"start":1870.0499,"end":1900.6067},{"sentences":[{"text":"So just had to confirm there for you.","start":1900.7734,"end":1903.28,"sentiment":"neutral","sentiment_score":0.1573037076741457},{"text":"But with the portfolio, it generally sees when we're looking at growth assets, you're generally looking at around 50 to 60% in growth investments.","start":1903.28,"end":1913.595,"sentiment":"neutral","sentiment_score":0.15110141752908626},{"text":"So that's like Australian shares, international shares, a bit of property, and some commodities like gold and silver, and you've got some physical gold in your portfolio at the moment.","start":1913.655,"end":1924.37,"sentiment":"neutral","sentiment_score":0.2436907241741816},{"text":"The other side of that is what we call defensive or lower risk investments, so things like cash, bonds, and fixed interest.","start":1925.87,"end":1932.29,"sentiment":"neutral","sentiment_score":0.06355424784123898},{"text":"Those sorts of investments are lower risk.","start":1933.635,"end":1935.795,"sentiment":"neutral","sentiment_score":0.12030690163373947}],"sentiment":"neutral","sentiment_score":0.15863656232153978,"num_words":91,"start":1900.7734,"end":1935.795},{"sentences":[{"text":"They do tend to get a lower rate of return, but as we get closer to accessing super, they're more important to kind of increase those.","start":1935.795,"end":1943.0751,"sentiment":"neutral","sentiment_score":0.16303722760998285},{"text":"And with this sort of a portfolio, you've got 40% in there.","start":1943.0751,"end":1946.67,"sentiment":"neutral","sentiment_score":0.2339155413210392},{"text":"And we look at things like fixed interest, things like term deposits, bonds, also high interest savings accounts, and things like that to give us, you know, as good as best returns you can get for those sorts of investments, but also lowering the overall risk level of your portfolio.","start":1946.75,"end":1961.5701,"sentiment":"neutral","sentiment_score":0.2542679518461227},{"text":"This sort of portfolio does suit someone who is wanting to, sorry, access super in about sort of three years, and you can be in this portfolio longer term if you want to as well.","start":1963.355,"end":1973.695,"sentiment":"positive","sentiment_score":0.3870639907462256},{"text":"Are you fairly comfortable staying in that sort of environment?","start":1974.475,"end":1977.36,"sentiment":"neutral","sentiment_score":0.20029242113232612}],"sentiment":"neutral","sentiment_score":0.2654850819057092,"num_words":133,"start":1935.795,"end":1977.36},{"sentences":[{"text":"Did you want me to break it down more for you?","start":1977.36,"end":1979.36,"sentiment":"neutral","sentiment_score":0.1564460261301561},{"text":"Do you have any questions?","start":1979.36,"end":1980.4199,"sentiment":"neutral","sentiment_score":0.06941126510500908},{"text":"Yeah.","start":1981.84,"end":1982.34,"sentiment":"neutral","sentiment_score":0.2668417692184448},{"text":"Yeah.","start":1985.6799,"end":1986.08,"sentiment":"neutral","sentiment_score":0.30317267775535583},{"text":"Yeah.","start":1986.08,"end":1986.32,"sentiment":"positive","sentiment_score":0.36708539724349976}],"sentiment":"neutral","sentiment_score":0.15816118195652962,"num_words":19,"start":1977.36,"end":1986.32},{"sentences":[{"text":"Perfect.","start":1986.32,"end":1986.7999,"sentiment":"neutral","sentiment_score":0.08399398624897003},{"text":"So I had to confirm that because over the course of the last few years, we've renamed our portfolios a few different times.","start":1986.7999,"end":1992.875,"sentiment":"neutral","sentiment_score":0.04455512867349645},{"text":"And so I had to make sure what it was back then equals what I have now, so it's all good.","start":1993.5751,"end":2000.0751,"sentiment":"neutral","sentiment_score":0.11897762084291094},{"text":"But it is.","start":2000.615,"end":2001.0951,"sentiment":"neutral","sentiment_score":0.20315097769101462},{"text":"It's more of that balance sort of environment there.","start":2001.0951,"end":2003.415,"sentiment":"neutral","sentiment_score":0.15547012041012445}],"sentiment":"neutral","sentiment_score":0.09852589474043302,"num_words":57,"start":1986.32,"end":2003.415},{"sentences":[{"text":"And, realistically, with a four year time horizon accessing, so if you can stay here, I would like to just catch up with you as a mentor a little bit more regular to see where things are going, have a look at things.","start":2003.415,"end":2015.0801,"sentiment":"neutral","sentiment_score":0.23798856762952583},{"text":"My role here is as a financial adviser, I do a lot of our time and advice for our clients.","start":2015.62,"end":2020.26,"sentiment":"neutral","sentiment_score":0.14873679652810096},{"text":"So I kind of live in that space of either close to accessing super, making sure we're understanding that risk level, but also making sure that we're working you're able to access Centrelink down the track and get longevity out of that super as well.","start":2020.26,"end":2035.035,"sentiment":"neutral","sentiment_score":0.22299099233415393},{"text":"So yeah, there's definitely things that we can do to help you down the track to whilst your super balances are a little bit lower than where we'd like it to be, we can get as much longevity out of it as possible and, you know, try and get as much out of the government as we can to help you along as well.","start":2035.035,"end":2050.41,"sentiment":"neutral","sentiment_score":0.32468496926594526},{"text":"Does that make sense?","start":2050.41,"end":2051.55,"sentiment":"neutral","sentiment_score":0.09209797531366348}],"sentiment":"neutral","sentiment_score":0.25222198254513467,"num_words":176,"start":2003.415,"end":2051.55},{"sentences":[{"text":"Yeah.","start":2051.7249,"end":2052.2249,"sentiment":"neutral","sentiment_score":0.16009914875030518},{"text":"Beautiful.","start":2053.4849,"end":2053.885,"sentiment":"positive","sentiment_score":0.7085511684417725},{"text":"You've worked hard.","start":2053.885,"end":2054.685,"sentiment":"positive","sentiment_score":0.5930620431900024},{"text":"You've paid a lot of taxes.","start":2054.685,"end":2055.805,"sentiment":"neutral","sentiment_score":0.33147724469502765},{"text":"It's time for them to give you some money back.","start":2055.805,"end":2057.7449,"sentiment":"positive","sentiment_score":0.3606155067682266}],"sentiment":"positive","sentiment_score":0.3925169039340246,"num_words":21,"start":2051.7249,"end":2057.7449},{"sentences":[{"text":"All good.","start":2061.085,"end":2061.645,"sentiment":"positive","sentiment_score":0.5945237874984741},{"text":"So, honestly, that that portfolio does suit quite fine for where you're at.","start":2061.645,"end":2065.65,"sentiment":"positive","sentiment_score":0.5695135914362394},{"text":"Down the track, I would like to maybe reassess Netwealth as an investment platform as well.","start":2066.21,"end":2071.41,"sentiment":"neutral","sentiment_score":0.32259937562048435},{"text":"But because there's really no need to make any changes, because we've already moved that Banda Long investment out, you're happy with where the asset allocation is, and it does suit your time horizon and your risk tolerance.","start":2071.41,"end":2083.8948,"sentiment":"positive","sentiment_score":0.4872421012351927},{"text":"I wouldn't be inclined to make any major changes now, but I would like to maybe make a catch up for the next few months to sort of see how things are going and see whether we're gonna make any changes down the track there or what, you know, what's happening in your life just to kinda keep up.","start":2084.4348,"end":2097.9302,"sentiment":"neutral","sentiment_score":0.02151217949339899}],"sentiment":"neutral","sentiment_score":0.2620213493019037,"num_words":128,"start":2061.085,"end":2097.9302},{"sentences":[{"text":"Do you think maybe six months might be okay, or what sort of time frame might suit you a bit, Nigel?","start":2098.07,"end":2103.53,"sentiment":"neutral","sentiment_score":0.032374666028079535},{"text":"Six months?","start":2105.75,"end":2106.4702,"sentiment":"neutral","sentiment_score":0.013785204384475946},{"text":"Yep.","start":2106.4702,"end":2106.7102,"sentiment":"neutral","sentiment_score":0.1289362609386444},{"text":"Perfect.","start":2106.7102,"end":2107.03,"sentiment":"positive","sentiment_score":0.369484007358551},{"text":"And, look, there may not be any changes down at that point either, but it's still important just to catch up, see where things are going.","start":2107.03,"end":2113.545,"sentiment":"neutral","sentiment_score":0.07959276738648231}],"sentiment":"neutral","sentiment_score":0.06422099246479132,"num_words":51,"start":2098.07,"end":2113.545},{"sentences":[{"text":"Yeah.","start":2113.845,"end":2114.345,"sentiment":"neutral","sentiment_score":0.064888134598732},{"text":"Absolutely.","start":2115.525,"end":2116.025,"sentiment":"positive","sentiment_score":0.3913750946521759},{"text":"Just to keep a bit more of a closer eye on things for you.","start":2116.325,"end":2118.9648,"sentiment":"neutral","sentiment_score":0.2915716128689902},{"text":"And then when things are changing, when you decide you need to access money, you have that call, you've got me there.","start":2118.9648,"end":2124.5,"sentiment":"neutral","sentiment_score":0.16781712729822507},{"text":"You can go, hey.","start":2124.5,"end":2125.3,"sentiment":"neutral","sentiment_score":0.18170379102230072}],"sentiment":"neutral","sentiment_score":0.21326328033492678,"num_words":42,"start":2113.845,"end":2125.3},{"sentences":[{"text":"I think I need something, and we can talk about what you need to do then.","start":2125.3,"end":2128.58,"sentiment":"neutral","sentiment_score":0.14741966826841235},{"text":"Okay?","start":2128.58,"end":2129.08,"sentiment":"neutral","sentiment_score":0.10177350789308548},{"text":"Perfect.","start":2131.14,"end":2131.64,"sentiment":"positive","sentiment_score":0.5447633862495422},{"text":"Perfect.","start":2131.94,"end":2132.44,"sentiment":"positive","sentiment_score":0.5266488790512085},{"text":"Now as I did mentioned, I did send a annual review pack to you.","start":2132.66,"end":2135.96,"sentiment":"neutral","sentiment_score":0.12243011380944933}],"sentiment":"neutral","sentiment_score":0.15896733511577954,"num_words":33,"start":2125.3,"end":2135.96},{"sentences":[{"text":"I'm sorry.","start":2136.6848,"end":2137.4248,"sentiment":"neutral","sentiment_score":-0.003582550212740898},{"text":"Feel free to have a look through those documents.","start":2138.125,"end":2139.7249,"sentiment":"neutral","sentiment_score":0.08032543294959599},{"text":"Let us know if you do happen to have any questions.","start":2139.7249,"end":2141.825,"sentiment":"neutral","sentiment_score":0.13197584450244904},{"text":"It does also have the ongoing service agreement attached there.","start":2142.045,"end":2145.005,"sentiment":"neutral","sentiment_score":0.07581409029662609},{"text":"So with that one there, you are paying an ongoing service fee for having us as your advisers.","start":2145.005,"end":2150.7048,"sentiment":"neutral","sentiment_score":0.08243253847791089}],"sentiment":"neutral","sentiment_score":0.08818849362432957,"num_words":50,"start":2136.6848,"end":2150.7048},{"sentences":[{"text":"The ongoing service fee is 1.65%.","start":2151.42,"end":2154.3,"sentiment":"neutral","sentiment_score":0.07045304216444492},{"text":"It is calculated that's ideally percentage.","start":2154.3,"end":2156.96,"sentiment":"neutral","sentiment_score":0.07323579241832097},{"text":"It's calculated and deducted in smaller monthly increments.","start":2157.02,"end":2159.98,"sentiment":"neutral","sentiment_score":0.07662016153335571},{"text":"So it is linked to the performance of your super.","start":2159.98,"end":2162.6199,"sentiment":"neutral","sentiment_score":0.09438787028193474},{"text":"So the same as in previous years, it goes up and down with the market, which is really important.","start":2162.6199,"end":2167.5352,"sentiment":"neutral","sentiment_score":-0.012550560659483859}],"sentiment":"neutral","sentiment_score":0.0445002520418897,"num_words":49,"start":2151.42,"end":2167.5352},{"sentences":[{"text":"Do you have any questions about the ongoing service fee, about our services, or anything I've kinda gone with you today through with you today?","start":2167.995,"end":2175.215,"sentiment":"neutral","sentiment_score":0.0704330339282751},{"text":"No?","start":2177.46,"end":2177.86,"sentiment":"neutral","sentiment_score":0.005483243614435196},{"text":"Beautiful.","start":2177.86,"end":2178.36,"sentiment":"positive","sentiment_score":0.4864499568939209},{"text":"Well, if you do have any questions, you're welcome to let me know.","start":2178.42,"end":2181.1401,"sentiment":"neutral","sentiment_score":0.32552643005664533},{"text":"I've got it in my calendar.","start":2181.1401,"end":2182.44,"sentiment":"neutral","sentiment_score":0.21639121820529303}],"sentiment":"neutral","sentiment_score":0.16919456410181263,"num_words":46,"start":2167.995,"end":2182.44},{"sentences":[{"text":"One of my beautiful admin team will book you in in six months time for another sort of catch up.","start":2182.74,"end":2186.74,"sentiment":"positive","sentiment_score":0.36371552720665934},{"text":"And in the meantime, if you need anything, Nigel, please let me know.","start":2186.74,"end":2189.94,"sentiment":"neutral","sentiment_score":0.173516000692661},{"text":"My name's Dana.","start":2189.94,"end":2190.84,"sentiment":"neutral","sentiment_score":0.1834202160437902},{"text":"I'll always make myself available to help you out.","start":2191.2952,"end":2193.935,"sentiment":"neutral","sentiment_score":0.21073624740044275},{"text":"I also work after hours.","start":2193.935,"end":2195.7751,"sentiment":"neutral","sentiment_score":0.10143670290708542}],"sentiment":"neutral","sentiment_score":0.24968177884817122,"num_words":50,"start":2182.74,"end":2195.7751},{"sentences":[{"text":"So, generally, Monday to Thursday up until about 7PM Queensland time.","start":2195.7751,"end":2199.7751,"sentiment":"neutral","sentiment_score":0.09664421054449948},{"text":"So I can chat later in the evening if that's easier for you as well.","start":2199.7751,"end":2204.3352,"sentiment":"neutral","sentiment_score":0.1864242176214854},{"text":"Okay?","start":2204.3352,"end":2204.8352,"sentiment":"neutral","sentiment_score":0.07963582873344421},{"text":"Excellent.","start":2207.51,"end":2208.01,"sentiment":"positive","sentiment_score":0.7126709222793579},{"text":"Excellent.","start":2208.15,"end":2208.65,"sentiment":"positive","sentiment_score":0.7391701936721802}],"sentiment":"neutral","sentiment_score":0.18589401810333647,"num_words":29,"start":2195.7751,"end":2208.65},{"sentences":[{"text":"Well, I will let you go.","start":2208.71,"end":2209.99,"sentiment":"positive","sentiment_score":0.6429416239261627},{"text":"I thank you so much for your time.","start":2209.99,"end":2211.27,"sentiment":"positive","sentiment_score":0.8041171282529831},{"text":"I hope you have a good afternoon, and feel free to read through those documents.","start":2211.27,"end":2214.81,"sentiment":"positive","sentiment_score":0.647629725933075},{"text":"If you find you have any questions, let me know.","start":2214.95,"end":2217.61,"sentiment":"neutral","sentiment_score":0.3280769795179367},{"text":"The only other thing to check is your ID, which is completely all up to date.","start":2218.1648,"end":2222.085,"sentiment":"neutral","sentiment_score":0.13311053393408656}],"sentiment":"positive","sentiment_score":0.46210129084912216,"num_words":55,"start":2208.71,"end":2222.085},{"sentences":[{"text":"So, yeah, that's basically everything.","start":2222.085,"end":2224.2449,"sentiment":"positive","sentiment_score":0.3428055167198181},{"text":"A nice easy review for you today.","start":2224.2449,"end":2226.4248,"sentiment":"positive","sentiment_score":0.7503745555877686},{"text":"Andy, thank you so much for your time.","start":2228.9648,"end":2230.7249,"sentiment":"positive","sentiment_score":0.7625054493546486},{"text":"I'll let you go.","start":2230.7249,"end":2231.4448,"sentiment":"positive","sentiment_score":0.6563919186592102},{"text":"I hope you have a lovely evening.","start":2231.4448,"end":2233.1448,"sentiment":"positive","sentiment_score":0.7569065093994141}],"sentiment":"positive","sentiment_score":0.6771163325155934,"num_words":31,"start":2222.085,"end":2233.1448},{"sentences":[{"text":"My pleasure.","start":2236.23,"end":2236.87,"sentiment":"positive","sentiment_score":0.6855026483535767},{"text":"Thanks for your time.","start":2236.87,"end":2238.09,"sentiment":"positive","sentiment_score":0.7580231130123138},{"text":"I will.","start":2238.87,"end":2239.4302,"sentiment":"neutral","sentiment_score":0.26863111555576324},{"text":"You too.","start":2239.4302,"end":2239.9102,"sentiment":"neutral","sentiment_score":0.2623615637421608},{"text":"Thanks.","start":2239.9102,"end":2240.3901,"sentiment":"positive","sentiment_score":0.5623955726623535}],"sentiment":"positive","sentiment_score":0.5479526072740555,"num_words":11,"start":2236.23,"end":2240.3901},{"sentences":[{"text":"Thanks for your time.","start":2240.3901,"end":2241.11,"sentiment":"positive","sentiment_score":0.7008852660655975},{"text":"See you later.","start":2241.11,"end":2241.75,"sentiment":"positive","sentiment_score":0.5233673453330994},{"text":"Bye.","start":2241.75,"end":2242.25,"sentiment":"neutral","sentiment_score":0.23068857192993164}],"sentiment":"positive","sentiment_score":0.5755414590239525,"num_words":8,"start":2240.3901,"end":2242.25}]}}]},{"alternatives":[{"transcript":"Hi, Donna. How are you? Sorry about that. I missed the call earlier. Yep. Not really. Just oh, the only one I was just wondering is how is it going with the the the global situation that's going on? Yeah. Right. Yep. No. That's pretty Yep. Yep. Yeah. It was wasn't it it it was it was an inheritance. Yeah. I sold that. Yeah. Yeah. I don't know about I think about eighteen months ago or so now. Yeah. Yeah. I've got a I've I've paid off the place that I live in, and and I've got some money in the bank just to have some not a real lot, but just just enough to have some peace of mind. About 100,000. Yeah. At this at this point in time, because my next thing I wanna do is I probably wanna sell this unit within the next six months, and I wanna move out to the bush. So I'll probably use that money, like, might get used up in with that. So I haven't put it. So I've just got it in a in an account, like, a I can't remember what it's called now, but a a high interest bearing account, but it's not locked up. A monthly compounding one. Yeah. Not a term not a term deposit, but but it gets a fairly good good return as well. The best you can get sort of for for for that. Yeah. No. I do a little bit. I just do a little bit of casual work, enough to keep me going. No. No. I just do it's mainly ABN little just just little one off things here and there. So I'm not not putting anything into it at the moment. Oh, it varies. I suppose I make about twenty $20.20 or $30 a year or something. Oh, I don't know. I I think I got a few years left in me yet. Yeah. Yeah. Yep. Yep. No. No. No. I've got yeah. Yeah. I'm I'm quite comfortable now. I mean, when I did draw down on it, I was in a bit of a bad place financially. I had a had a couple of blunders, and and I had yeah. And and things weren't going real good. But but, yeah, I'm in a much better place now. So, yeah, I don't intend on drawing down on it, you know, anytime soon. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. That sounds great. How much is actually in it? Yeah. Yep. Yeah. Right. Yep. Yeah. It's not gonna make much. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Probably probably, I reckon I'd like to try and keep going till I'm 67. No worries. That's okay. Yeah. It's great. Yeah. No. It's it's the casual work's alright for what I've got. I I don't draw down on it at all. Yeah. Yeah. Yeah. Yeah. Probably I'm thinking more towards the end of the year. I've been looking I've been looking at a few spots. Yeah. Then sort of Northern Rivers area. Cuyahoga. Yep. Great spot. Is it? Okay. Cool. Yeah. Yeah. I love I love it down through there. Yeah. Yep. Yeah. Yeah. Yeah. That's alright. Yep. Yep. I I there's there's probably one in there. I haven't looked at it. Haven't haven't checked them. Yeah. Okay. Yep. Yes. Yeah. I'm right. Yep. Yep. Yep. Cool. No worries. Probably around the 800 mark. Yeah. One one one solves five months ago here for for 740. So and it wasn't fully renovated. Mine will be or it might will be fully modernized and renovated. And it yeah. It seems to be going up. And I'm having a look around the area. Yeah. I reckon rep. Probably maybe maybe a bit less. Like, 800 would probably be the most. Probably be, like, $7.80, 800 sort of thing. Around there. Yep. Yep. Yeah. Yeah. That'd be around about the same, I think. No. Not really. Got nothing nothing special. No. I don't, actually. Oh, not a real lot, to be honest. I haven't got anything. This is it's very it's worth very much. Way less than 10,000. Probably probably three. Yeah. Yeah. I suppose it could, but, yeah, I live pretty legally, and I don't have a have a real lot. Nothing nothing flash, really. Yeah. I've probably got I've probably got 5 or $6,000 worth of tools. Yeah. Yeah. Probably closer to 6. I'm I'm actually getting one drawn up shortly. I've got a friend who's who's a who's whose brother is is a a will lawyer or or a will person. Yeah. So I'm getting I'm in the middle of sorting that out now because I really haven't got any relatives or anything. So I need to get get it all done. Yeah. I think they did once before, but I I don't know if I did anything about it. Yep. Yep. Yeah. Right. Yeah. Yeah. Yep. Well, I haven't really discussed anything with them yet. I'm I'm meeting with them next week, but I'm probably just gonna leave it all to charities because I've got I've got some some cousins, but they're really distant, and I barely even know them. And and they, you know, like so I just I'd I'd prefer to see it go to worthy causes rather than there's about 10 of them and I'd I'd rather than they're all them all fighting over it or, you know, getting the tenth of something each. Yeah. Yeah. Probably things that are close things that are close to wildlife and because, you know, like, I'd rather see it get do some good there than give everybody just a tiny little bit. They've got their own families to to to inherit from. Yeah. Well, it could it can do some good like, most of the wildlife and animals and that don't have a voice for themselves. And a lot of it's done by volunteers and so you can go go to some do some good. No. There isn't anybody. No. Yeah. Yeah. That sounds like the right way to go. Yeah. That'd be great. Yeah. Yeah. Yep. Yep. No. No new flames. No. No. No children. No children. Can't really think of anything for anybody. I'm not really close to anybody really. Yeah. Yeah. I'm just yeah. Just sort of yeah. I'm a form worker by trade, but I I just do little concreting jobs and just all sorts of different odd jobs. Little garden makeovers, small small concreting jobs. Yeah. Yeah. Yep. It seems a bit right. No. Health's pretty good. No. Not really. Yep. It'll do. Yeah. Okay. No worries. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. No worries. That's right. It'd be a concern. I don't think I'd I'd, you know, I don't think I'd lose it over or anything, but it would be it would be something that would be better if it didn't happen. Yeah. Not sure. Probably I'd probably leave it in super, but I just have a chat about about what to do. I'm not look. I don't read and write well, and I don't have a lot of understanding of investing or anything like that. That's why I would never take anything on like that myself because I would I would I would almost a 100% do the wrong thing. Okay. Well, if if my health is alright, I'd probably just keep going. Yeah. Well, that's right. Yeah. Best I can get. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No worries. No. I I think it's I think it's probably the the best place for me to be. Yeah. Right. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Makes sense. Yeah. Yeah. Yeah. Right. Yep. Yep. Yeah. Yeah. Probably probably yeah. It goes goes six months. Yeah. I think. Yep. Yeah. Just to just to see what's happening. No worries. Yep. Yep. Yep. Yep. No. No. That's alright. Okay. No worries. No worries. Thank you very much, and you have a nice evening too. Bye bye. 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Donna. How are you? Sorry about that. I missed the call earlier. Yep.\n\nNot really. Just oh, the only one I was just wondering is how is it going with the the the global situation that's going on? Yeah. Right. Yep.\n\nNo. That's pretty Yep. Yep. Yeah. It was wasn't it it it was it was an inheritance.\n\nYeah. I sold that. Yeah. Yeah. I don't know about I think about eighteen months ago or so now.\n\nYeah. Yeah. I've got a I've I've paid off the place that I live in, and and I've got some money in the bank just to have some not a real lot, but just just enough to have some peace of mind. About 100,000. Yeah.\n\nAt this at this point in time, because my next thing I wanna do is I probably wanna sell this unit within the next six months, and I wanna move out to the bush. So I'll probably use that money, like, might get used up in with that. So I haven't put it. So I've just got it in a in an account, like, a I can't remember what it's called now, but a a high interest bearing account, but it's not locked up. A monthly compounding one.\n\nYeah. Not a term not a term deposit, but but it gets a fairly good good return as well. The best you can get sort of for for for that. Yeah. No.\n\nI do a little bit. I just do a little bit of casual work, enough to keep me going. No. No. I just do it's mainly ABN little just just little one off things here and there.\n\nSo I'm not not putting anything into it at the moment. Oh, it varies. I suppose I make about twenty $20.20 or $30 a year or something. Oh, I don't know. I I think I got a few years left in me yet.\n\nYeah. Yeah. Yep. Yep. No.\n\nNo. No. I've got yeah. Yeah. I'm I'm quite comfortable now.\n\nI mean, when I did draw down on it, I was in a bit of a bad place financially. I had a had a couple of blunders, and and I had yeah. And and things weren't going real good. But but, yeah, I'm in a much better place now. So, yeah, I don't intend on drawing down on it, you know, anytime soon.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYep. Yep. That sounds great. How much is actually in it? Yeah.\n\nYep. Yeah. Right. Yep. Yeah.\n\nIt's not gonna make much. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Probably probably, I reckon I'd like to try and keep going till I'm 67. No worries. That's okay.\n\nYeah. It's great. Yeah. No. It's it's the casual work's alright for what I've got.\n\nI I don't draw down on it at all. Yeah. Yeah. Yeah. Yeah.\n\nProbably I'm thinking more towards the end of the year. I've been looking I've been looking at a few spots. Yeah. Then sort of Northern Rivers area. Cuyahoga.\n\nYep. Great spot. Is it? Okay. Cool.\n\nYeah. Yeah. I love I love it down through there. Yeah. Yep.\n\nYeah. Yeah. Yeah. That's alright. Yep.\n\nYep. I I there's there's probably one in there. I haven't looked at it. Haven't haven't checked them. Yeah.\n\nOkay. Yep. Yes. Yeah. I'm right.\n\nYep. Yep. Yep. Cool. No worries.\n\nProbably around the 800 mark. Yeah. One one one solves five months ago here for for 740. So and it wasn't fully renovated. Mine will be or it might will be fully modernized and renovated.\n\nAnd it yeah. It seems to be going up. And I'm having a look around the area. Yeah. I reckon rep.\n\nProbably maybe maybe a bit less. Like, 800 would probably be the most. Probably be, like, $7.80, 800 sort of thing. Around there. Yep.\n\nYep. Yeah. Yeah. That'd be around about the same, I think. No.\n\nNot really. Got nothing nothing special. No. I don't, actually. Oh, not a real lot, to be honest.\n\nI haven't got anything. This is it's very it's worth very much. Way less than 10,000. Probably probably three. Yeah.\n\nYeah. I suppose it could, but, yeah, I live pretty legally, and I don't have a have a real lot. Nothing nothing flash, really. Yeah. I've probably got I've probably got 5 or $6,000 worth of tools.\n\nYeah. Yeah. Probably closer to 6. I'm I'm actually getting one drawn up shortly. I've got a friend who's who's a who's whose brother is is a a will lawyer or or a will person.\n\nYeah. So I'm getting I'm in the middle of sorting that out now because I really haven't got any relatives or anything. So I need to get get it all done. Yeah. I think they did once before, but I I don't know if I did anything about it.\n\nYep. Yep. Yeah. Right. Yeah.\n\nYeah. Yep. Well, I haven't really discussed anything with them yet. I'm I'm meeting with them next week, but I'm probably just gonna leave it all to charities because I've got I've got some some cousins, but they're really distant, and I barely even know them. And and they, you know, like so I just I'd I'd prefer to see it go to worthy causes rather than there's about 10 of them and I'd I'd rather than they're all them all fighting over it or, you know, getting the tenth of something each.\n\nYeah. Yeah. Probably things that are close things that are close to wildlife and because, you know, like, I'd rather see it get do some good there than give everybody just a tiny little bit. They've got their own families to to to inherit from. Yeah.\n\nWell, it could it can do some good like, most of the wildlife and animals and that don't have a voice for themselves. And a lot of it's done by volunteers and so you can go go to some do some good. No. There isn't anybody. No.\n\nYeah. Yeah. That sounds like the right way to go. Yeah. That'd be great.\n\nYeah. Yeah. Yep. Yep. No.\n\nNo new flames. No. No. No children. No children.\n\nCan't really think of anything for anybody. I'm not really close to anybody really. Yeah. Yeah. I'm just yeah.\n\nJust sort of yeah. I'm a form worker by trade, but I I just do little concreting jobs and just all sorts of different odd jobs. Little garden makeovers, small small concreting jobs. Yeah. Yeah.\n\nYep. It seems a bit right. No. Health's pretty good. No.\n\nNot really. Yep. It'll do. Yeah. Okay.\n\nNo worries. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. No worries. That's right.\n\nIt'd be a concern. I don't think I'd I'd, you know, I don't think I'd lose it over or anything, but it would be it would be something that would be better if it didn't happen. Yeah. Not sure. Probably I'd probably leave it in super, but I just have a chat about about what to do.\n\nI'm not look. I don't read and write well, and I don't have a lot of understanding of investing or anything like that. That's why I would never take anything on like that myself because I would I would I would almost a 100% do the wrong thing. Okay. Well, if if my health is alright, I'd probably just keep going.\n\nYeah. Well, that's right. Yeah. Best I can get. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo worries. No. I I think it's I think it's probably the the best place for me to be. Yeah. Right.\n\nYep. Yep. Yes. Yes. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Makes sense. Yeah. Yeah. Yeah.\n\nRight. Yep. Yep. Yeah. Yeah.\n\nProbably probably yeah. It goes goes six months. Yeah. I think. Yep.\n\nYeah. Just to just to see what's happening. No worries. Yep. Yep.\n\nYep. Yep. No. No. That's alright.\n\nOkay. No worries. No worries. Thank you very much, and you have a nice evening too. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Donna.","start":4.96,"end":5.52,"sentiment":"neutral","sentiment_score":0.12146183848381042},{"text":"How are you?","start":5.52,"end":5.92,"sentiment":"neutral","sentiment_score":0.13469936698675156},{"text":"Sorry about that.","start":5.92,"end":6.98,"sentiment":"neutral","sentiment_score":-0.13617384930451712},{"text":"I missed the call earlier.","start":7.6,"end":9.059999,"sentiment":"neutral","sentiment_score":-0.13379055634140968},{"text":"Yep.","start":20.475,"end":20.975,"sentiment":"neutral","sentiment_score":0.07013945281505585}],"sentiment":"neutral","sentiment_score":-0.025736649919833456,"num_words":14,"start":4.96,"end":20.975},{"sentences":[{"text":"Not really.","start":34.53,"end":35.27,"sentiment":"neutral","sentiment_score":-0.06924156472086906},{"text":"Just oh, the only one I was just wondering is how is it going with the the the global situation that's going on?","start":35.329998,"end":43.19,"sentiment":"neutral","sentiment_score":-0.07889988524434359},{"text":"Yeah.","start":69.03,"end":69.35,"sentiment":"neutral","sentiment_score":0.1513916254043579},{"text":"Right.","start":69.35,"end":69.67,"sentiment":"neutral","sentiment_score":0.1473560631275177},{"text":"Yep.","start":69.67,"end":69.99,"sentiment":"neutral","sentiment_score":0.13694284856319427}],"sentiment":"neutral","sentiment_score":-0.0541960697488061,"num_words":28,"start":34.53,"end":69.99},{"sentences":[{"text":"No.","start":69.99,"end":70.15,"sentiment":"neutral","sentiment_score":0.09237544983625412},{"text":"That's pretty Yep.","start":70.15,"end":167.16501,"sentiment":"neutral","sentiment_score":0.19507470230261484},{"text":"Yep.","start":179.05,"end":179.55,"sentiment":"neutral","sentiment_score":0.07498209178447723},{"text":"Yeah.","start":183.545,"end":184.045,"sentiment":"neutral","sentiment_score":0.03953098878264427},{"text":"It was wasn't it it it was it was an inheritance.","start":184.105,"end":187.965,"sentiment":"neutral","sentiment_score":-0.03562099681320516}],"sentiment":"neutral","sentiment_score":0.023545980727409616,"num_words":17,"start":69.99,"end":187.965},{"sentences":[{"text":"Yeah.","start":188.025,"end":188.265,"sentiment":"neutral","sentiment_score":-0.022007469087839127},{"text":"I sold that.","start":188.265,"end":189.245,"sentiment":"neutral","sentiment_score":-0.05570598319172859},{"text":"Yeah.","start":191.385,"end":191.885,"sentiment":"neutral","sentiment_score":0.01064847782254219},{"text":"Yeah.","start":192.585,"end":193.085,"sentiment":"neutral","sentiment_score":0.029782820492982864},{"text":"I don't know about I think about eighteen months ago or so now.","start":198.67,"end":202.68999,"sentiment":"neutral","sentiment_score":-0.07179985739863835}],"sentiment":"neutral","sentiment_score":-0.056952224554199925,"num_words":19,"start":188.025,"end":202.68999},{"sentences":[{"text":"Yeah.","start":207.87,"end":208.26999,"sentiment":"neutral","sentiment_score":0.05358836427330971},{"text":"Yeah.","start":208.26999,"end":208.59,"sentiment":"neutral","sentiment_score":0.11333271116018297},{"text":"I've got a I've I've paid off the place that I live in, and and I've got some money in the bank just to have some not a real lot, but just just enough to have some peace of mind.","start":208.59,"end":219.795,"sentiment":"neutral","sentiment_score":0.22094186432659627},{"text":"About 100,000.","start":225.6,"end":226.74,"sentiment":"neutral","sentiment_score":0.06235135346651077},{"text":"Yeah.","start":233.6,"end":234.1,"sentiment":"neutral","sentiment_score":0.09902408719062804}],"sentiment":"neutral","sentiment_score":0.20507383205824428,"num_words":45,"start":207.87,"end":234.1},{"sentences":[{"text":"At this at this point in time, because my next thing I wanna do is I probably wanna sell this unit within the next six months, and I wanna move out to the bush.","start":234.16,"end":244.395,"sentiment":"neutral","sentiment_score":0.014273283674436458},{"text":"So I'll probably use that money, like, might get used up in with that.","start":245.655,"end":251.55,"sentiment":"neutral","sentiment_score":0.24663677279438292},{"text":"So I haven't put it.","start":251.87001,"end":252.83,"sentiment":"neutral","sentiment_score":-0.13575625270605088},{"text":"So I've just got it in a in an account, like, a I can't remember what it's called now, but a a high interest bearing account, but it's not locked up.","start":252.83,"end":260.69,"sentiment":"neutral","sentiment_score":0.00865368611900316},{"text":"A monthly compounding one.","start":261.87,"end":263.47,"sentiment":"neutral","sentiment_score":0.035122903529554605}],"sentiment":"neutral","sentiment_score":0.04168387595828707,"num_words":88,"start":234.16,"end":263.47},{"sentences":[{"text":"Yeah.","start":263.47,"end":263.97,"sentiment":"neutral","sentiment_score":0.02479445748031139},{"text":"Not a term not a term deposit, but but it gets a fairly good good return as well.","start":264.81497,"end":269.455,"sentiment":"neutral","sentiment_score":0.19367851606673664},{"text":"The best you can get sort of for for for that.","start":269.455,"end":272.495,"sentiment":"neutral","sentiment_score":0.052302532236684456},{"text":"Yeah.","start":272.495,"end":272.995,"sentiment":"neutral","sentiment_score":0.06399514526128769},{"text":"No.","start":287.68,"end":288.0,"sentiment":"neutral","sentiment_score":-0.12514586746692655}],"sentiment":"neutral","sentiment_score":0.12578702747123316,"num_words":32,"start":263.47,"end":288.0},{"sentences":[{"text":"I do a little bit.","start":288.0,"end":289.22,"sentiment":"neutral","sentiment_score":-0.09390627890825272},{"text":"I just do a little bit of casual work, enough to keep me going.","start":289.84,"end":300.995,"sentiment":"neutral","sentiment_score":0.08120146886046443},{"text":"No.","start":304.01498,"end":304.335,"sentiment":"neutral","sentiment_score":-0.10012967139482498},{"text":"No.","start":304.335,"end":304.655,"sentiment":"neutral","sentiment_score":-0.09902913868427277},{"text":"I just do it's mainly ABN little just just little one off things 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got yeah.","start":389.745,"end":390.805,"sentiment":"neutral","sentiment_score":-0.037961484864354134},{"text":"Yeah.","start":391.84,"end":392.16,"sentiment":"neutral","sentiment_score":0.059316325932741165},{"text":"I'm I'm quite comfortable now.","start":392.16,"end":393.84,"sentiment":"neutral","sentiment_score":0.17155954688787461}],"sentiment":"neutral","sentiment_score":0.05966068110005422,"num_words":11,"start":388.86502,"end":393.84},{"sentences":[{"text":"I mean, when I did draw down on it, I was in a bit of a bad place financially.","start":393.84,"end":397.69998,"sentiment":"neutral","sentiment_score":-0.2384362983468332},{"text":"I had a had a couple of blunders, and and I had yeah.","start":398.96,"end":402.16,"sentiment":"neutral","sentiment_score":-0.2038841855067473},{"text":"And and things weren't going real good.","start":402.16,"end":404.4,"sentiment":"neutral","sentiment_score":-0.2842621718134199},{"text":"But but, yeah, I'm in a much better place 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not gonna make much.","start":514.3,"end":515.66003,"sentiment":"neutral","sentiment_score":-0.12478964626789094},{"text":"Yeah.","start":515.66003,"end":516.16003,"sentiment":"neutral","sentiment_score":0.006922515109181404},{"text":"Yeah.","start":516.3,"end":516.8,"sentiment":"neutral","sentiment_score":0.02310287207365036},{"text":"Yeah.","start":525.605,"end":526.08496,"sentiment":"neutral","sentiment_score":-0.046406544744968414},{"text":"Yeah.","start":526.08496,"end":526.58496,"sentiment":"neutral","sentiment_score":-0.061857953667640686}],"sentiment":"neutral","sentiment_score":-0.07802081584102577,"num_words":9,"start":514.3,"end":526.58496},{"sentences":[{"text":"Yep.","start":530.88495,"end":531.38495,"sentiment":"neutral","sentiment_score":-0.009821774438023567},{"text":"Yeah.","start":549.975,"end":550.295,"sentiment":"neutral","sentiment_score":-0.031227534636855125},{"text":"Probably probably, I reckon I'd like to try and keep going till I'm 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up.","start":896.415,"end":898.035,"sentiment":"neutral","sentiment_score":0.17891792207956314},{"text":"And I'm having a look around the area.","start":899.05,"end":900.81,"sentiment":"neutral","sentiment_score":0.10343216732144356},{"text":"Yeah.","start":900.81,"end":901.13,"sentiment":"neutral","sentiment_score":0.04931981861591339},{"text":"I reckon rep.","start":901.13,"end":902.01,"sentiment":"neutral","sentiment_score":0.02083641414841016}],"sentiment":"neutral","sentiment_score":0.12240999174259957,"num_words":21,"start":895.695,"end":902.01},{"sentences":[{"text":"Probably maybe maybe a bit less.","start":902.01,"end":904.25,"sentiment":"neutral","sentiment_score":0.008528003158668676},{"text":"Like, 800 would probably be the most.","start":904.25,"end":906.26996,"sentiment":"neutral","sentiment_score":0.03828848898410797},{"text":"Probably be, like, $7.80, 800 sort of 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be.","start":1980.905,"end":1985.005,"sentiment":"neutral","sentiment_score":0.2829595715738833},{"text":"Yeah.","start":1993.4651,"end":1993.785,"sentiment":"neutral","sentiment_score":0.08441449701786041},{"text":"Right.","start":1993.785,"end":1994.285,"sentiment":"neutral","sentiment_score":0.08173322677612305}],"sentiment":"neutral","sentiment_score":0.24041574625741868,"num_words":21,"start":1884.985,"end":1994.285},{"sentences":[{"text":"Yep.","start":1999.33,"end":1999.83,"sentiment":"neutral","sentiment_score":0.22877377271652224},{"text":"Yep.","start":1999.89,"end":2000.39,"sentiment":"neutral","sentiment_score":0.15506957471370697},{"text":"Yes.","start":2020.805,"end":2021.305,"sentiment":"neutral","sentiment_score":0.1319063901901245},{"text":"Yes.","start":2021.525,"end":2022.025,"sentiment":"neutral","sentiment_score":0.11880730092525482},{"text":"Yep.","start":2035.67,"end":2036.15,"sentiment":"neutral","sentiment_score":0.23440974950790405}],"sentiment":"neutral","sentiment_score":0.17379335761070253,"num_words":5,"start":1999.33,"end":2036.15},{"sentences":[{"text":"Yep.","start":2036.15,"end":2036.65,"sentiment":"neutral","sentiment_score":0.2706143260002136},{"text":"Yep.","start":2043.525,"end":2044.005,"sentiment":"neutral","sentiment_score":0.26640981435775757},{"text":"Yep.","start":2044.005,"end":2044.505,"sentiment":"neutral","sentiment_score":0.27663949131965637},{"text":"Yep.","start":2050.325,"end":2050.725,"sentiment":"neutral","sentiment_score":0.0973752960562706},{"text":"Yep.","start":2050.725,"end":2051.225,"sentiment":"neutral","sentiment_score":0.08865027129650116}],"sentiment":"neutral","sentiment_score":0.19993783980607988,"num_words":5,"start":2036.15,"end":2051.225},{"sentences":[{"text":"Yep.","start":2051.685,"end":2052.185,"sentiment":"neutral","sentiment_score":0.10663628578186037},{"text":"Makes sense.","start":2052.405,"end":2053.225,"sentiment":"neutral","sentiment_score":0.17902778834104538},{"text":"Yeah.","start":2053.23,"end":2053.73,"sentiment":"positive","sentiment_score":0.384806752204895},{"text":"Yeah.","start":2059.8225,"end":2060.3225,"sentiment":"positive","sentiment_score":0.43094581365585327},{"text":"Yeah.","start":2096.735,"end":2096.895,"sentiment":"neutral","sentiment_score":0.03703092038631439}],"sentiment":"neutral","sentiment_score":0.21957922478516897,"num_words":6,"start":2051.685,"end":2096.895},{"sentences":[{"text":"Right.","start":2096.895,"end":2097.375,"sentiment":"neutral","sentiment_score":0.15418067574501038},{"text":"Yep.","start":2097.375,"end":2097.7751,"sentiment":"neutral","sentiment_score":0.20596978068351743},{"text":"Yep.","start":2097.7751,"end":2098.2751,"sentiment":"neutral","sentiment_score":0.07727769017219543},{"text":"Yeah.","start":2101.855,"end":2102.175,"sentiment":"neutral","sentiment_score":0.04708011448383331},{"text":"Yeah.","start":2102.175,"end":2102.495,"sentiment":"neutral","sentiment_score":0.06994859874248505}],"sentiment":"neutral","sentiment_score":0.11089137196540833,"num_words":5,"start":2096.895,"end":2102.495},{"sentences":[{"text":"Probably probably yeah.","start":2102.495,"end":2103.615,"sentiment":"neutral","sentiment_score":0.033443061634898186},{"text":"It goes goes six months.","start":2103.615,"end":2105.375,"sentiment":"neutral","sentiment_score":0.016313630715012552},{"text":"Yeah.","start":2105.375,"end":2105.615,"sentiment":"neutral","sentiment_score":0.022810712456703183},{"text":"I think.","start":2105.615,"end":2106.2751,"sentiment":"neutral","sentiment_score":0.011724206618964672},{"text":"Yep.","start":2107.455,"end":2107.955,"sentiment":"neutral","sentiment_score":0.12089848518371582}],"sentiment":"neutral","sentiment_score":0.029087912446508806,"num_words":12,"start":2102.495,"end":2107.955},{"sentences":[{"text":"Yeah.","start":2112.9001,"end":2113.22,"sentiment":"neutral","sentiment_score":0.09274357557296752},{"text":"Just to just to see what's happening.","start":2113.22,"end":2115.1602,"sentiment":"neutral","sentiment_score":0.06433619931340218},{"text":"No worries.","start":2129.795,"end":2130.615,"sentiment":"neutral","sentiment_score":0.18717950582504272},{"text":"Yep.","start":2151.8398,"end":2152.3398,"sentiment":"neutral","sentiment_score":0.08246491849422455},{"text":"Yep.","start":2161.005,"end":2161.505,"sentiment":"neutral","sentiment_score":0.07439868152141571}],"sentiment":"neutral","sentiment_score":0.0895266318693757,"num_words":12,"start":2112.9001,"end":2161.505},{"sentences":[{"text":"Yep.","start":2168.72,"end":2168.96,"sentiment":"neutral","sentiment_score":0.03347209095954895},{"text":"Yep.","start":2168.96,"end":2169.46,"sentiment":"neutral","sentiment_score":0.0392223484814167},{"text":"No.","start":2175.92,"end":2176.24,"sentiment":"neutral","sentiment_score":-0.1401011347770691},{"text":"No.","start":2176.24,"end":2176.48,"sentiment":"neutral","sentiment_score":-0.1548997461795807},{"text":"That's alright.","start":2176.48,"end":2177.3,"sentiment":"neutral","sentiment_score":-0.07714169099926949}],"sentiment":"neutral","sentiment_score":-0.06276497058570385,"num_words":6,"start":2168.72,"end":2177.3},{"sentences":[{"text":"Okay.","start":2205.54,"end":2205.8599,"sentiment":"neutral","sentiment_score":0.09713934361934662},{"text":"No worries.","start":2205.8599,"end":2206.5999,"sentiment":"neutral","sentiment_score":0.2551232725381851},{"text":"No worries.","start":2227.43,"end":2228.25,"sentiment":"positive","sentiment_score":0.4359513223171234},{"text":"Thank you very much, and you have a nice evening too.","start":2234.435,"end":2238.375,"sentiment":"positive","sentiment_score":0.7012288082729686},{"text":"Bye bye.","start":2239.395,"end":2240.135,"sentiment":"neutral","sentiment_score":0.21688522398471832}],"sentiment":"positive","sentiment_score":0.5348097706834475,"num_words":18,"start":2205.54,"end":2240.135},{"sentences":[{"text":"Bye.","start":2242.515,"end":2243.015,"sentiment":"neutral","sentiment_score":-0.10393117368221284}],"sentiment":"neutral","sentiment_score":-0.10393117368221284,"num_words":1,"start":2242.515,"end":2243.015}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Nigel. It's Dana. How are you this afternoon?\n\nChannel 1: Hi, Donna. How are you? Sorry about that.\n\nChannel 0: That's okay.\n\nChannel 1: I missed\n\nChannel 0: It's not\n\nChannel 1: the call\n\nChannel 0: a\n\nChannel 1: earlier.\n\nChannel 0: yeah. No. It's not a problem at all. That's why we tend to call twice and then send a text message just so you know it is us because life life gets in the way. It's completely understandable.\n\nI\n\nChannel 1: Yep.\n\nChannel 0: had to put in easy. I had to put in negotiate and review there. As part of today's call, is there anything particular that you wanted to maybe touch base on or talk about, or is there any questions that you have for me specifically?\n\nChannel 1: Not really. Just oh, the only one I was just wondering is how is it going with the the the global situation that's going on?\n\nChannel 0: Yeah. Absolutely. So I do actually have a report here in front of me to give you an idea of that. Now the report I'm looking at here with regard to your super is from the last twelve months. So whilst the markets are a bit volatile there and we are seeing those ups and downs, the net return your portfolio has seen is still a positive 11.6%.\n\nThat's net return after fees.\n\nChannel 1: Yeah. Right. Yep. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: pretty\n\nChannel 0: So it's still seeing a positive return, which is really good. There are some investments. I'm just having a look at what you've got in there underlying. Yeah. No.\n\nLook. Everything is doing quite well. So just have me look at your what portfolio you're in as well because I believe there might have been some changes in the past. But to go through what we are going through and still see a positive return is a positive thing, which is good. 2022.\n\nSorry. My computer's a little bit slow this afternoon there. 2022. We had a reduction. So, yeah, we moved into more of a moderate portfolio around about 2022 there.\n\nAnd if I look at the difference between that and what you have in there at the moment, there are still some differences. Let me find. Let's see. Sorry. My computer's a little bit slow.\n\nJust trying to pull this report up to really see what you've got in there and have a bit of a look back at your past history with alterations. When I kinda look at everything and everything is going really well, there are a few that are showing a little bit of a dip at the moment, but as a whole, your portfolio is up, which is a positive thing.\n\nChannel 1: Yep.\n\nChannel 0: Sort of looking forward at where you are, and I know I can see that you have accessed your super a bit over the past couple of years. And the last time we were able to catch up was, like, 2024 when we did your annual review then, and you were\n\nChannel 1: Yep.\n\nChannel 0: looking at selling the investment property back then. How did you go, and do you\n\nChannel 1: Yeah.\n\nChannel 0: still have that\n\nChannel 1: It\n\nChannel 0: with you?\n\nChannel 1: was\n\nChannel 0: And\n\nChannel 1: wasn't\n\nChannel 0: how's\n\nChannel 1: it\n\nChannel 0: things?\n\nChannel 1: it it was it was an inheritance. Yeah. I sold that.\n\nChannel 0: Yeah. You did sell that, so that's gone now?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. When did you end up selling it?\n\nChannel 1: I don't know about I think about eighteen months ago or so now.\n\nChannel 0: Okay. Perfect. And do you still have some of the funds left over from that? Or\n\nChannel 1: Yeah. Yeah. I've got a I've I've paid off the place that I live in, and and\n\nChannel 0: yep.\n\nChannel 1: I've got some money in the bank just to\n\nChannel 0: Perfect.\n\nChannel 1: have some not a real lot, but just just enough to have some peace of mind.\n\nChannel 0: Yeah. No. That's okay. How much do you have in the bank there at the moment savings wise?\n\nChannel 1: About 100,000.\n\nChannel 0: Okay. Perfect. And you're happy just leaving it sitting in that account at the moment that you can access when you need to?\n\nChannel 1: Yeah. At this at\n\nChannel 0: Yep.\n\nChannel 1: this point in time,\n\nChannel 0: Yep.\n\nChannel 1: because my next thing I wanna do is I probably wanna sell this unit within the next six months, and I wanna move out to the bush.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: So I'll probably use that money, like, might get used up in with that.\n\nChannel 0: Yeah.\n\nChannel 1: So I haven't put it. So I've just got it in a in an account, like, a I can't remember what it's called now, but a a high interest bearing account, but it's not locked up.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: A\n\nChannel 0: No worries.\n\nChannel 1: monthly\n\nChannel 0: It's not\n\nChannel 1: compounding\n\nChannel 0: a term deposit\n\nChannel 1: one. Yeah.\n\nChannel 0: or anything. Yeah. No.\n\nChannel 1: Not\n\nChannel 0: That's\n\nChannel 1: a term\n\nChannel 0: okay.\n\nChannel 1: not a term deposit, but but it gets a fairly good good\n\nChannel 0: Yep.\n\nChannel 1: return as well. The best you can get sort of for for\n\nChannel 0: For\n\nChannel 1: for\n\nChannel 0: cash.\n\nChannel 1: that. Yeah.\n\nChannel 0: Yeah. Understandable. Absolutely. All good. Now moving forward because at the moment, the last thing we sort of had noted here was that you're not working.\n\nYou're still not technically working. Are you receiving any government benefits\n\nChannel 1: No. I do a little bit.\n\nChannel 0: at all? Okay.\n\nChannel 1: I just do a little bit of casual work, enough to keep\n\nChannel 0: Yep. Perfect. Casual work.\n\nChannel 1: me\n\nChannel 0: And they're not paying any contributions into your super or anything for\n\nChannel 1: going.\n\nChannel 0: that casual work you're doing, out there? Because I can't see any going in.\n\nChannel 1: No. No. I just do it's mainly ABN little just just little one off things here and there.\n\nChannel 0: Okay.\n\nChannel 1: So I'm not not putting anything into it at the moment.\n\nChannel 0: Okay. No. That's okay. A bit of that here and there. And how much are you sort of averaging you make when you do some of that work?\n\nChannel 1: Oh, it varies. I suppose I make\n\nChannel 0: Depending\n\nChannel 1: about\n\nChannel 0: on the\n\nChannel 1: twenty\n\nChannel 0: hours.\n\nChannel 1: $20.20 or $30 a year or something.\n\nChannel 0: Okay. Perfect. 30,000 a year. Lovely. And how long do you think you'll continue kinda wanting to do that for?\n\nChannel 1: Oh, I don't know. I I think I got a few years left in me yet.\n\nChannel 0: Yeah. That's okay. Not a problem at all. The main sort of reason I'm asking that question is because of your age where you are at the moment and with working casually, essentially, on and off, if you were to stop working completely, you can access your super. Notably, your balance\n\nChannel 1: Yeah.\n\nChannel 0: isn't probably as high as what we would like it to be to be able to do that, but you\n\nChannel 1: Yeah.\n\nChannel 0: do have\n\nChannel 1: Yep.\n\nChannel 0: access to that. And there are things advice I can put in in place for you to help you be able to draw down a little bit of income if you happen to need it. When you get close to the age pension age, I'd definitely like to look at whether you're eligible for that and how much you might get from that and maybe supplement super with that if you're if\n\nChannel 1: Yep.\n\nChannel 0: you're able to do so just to kind of make sure we're getting longevity there. But do you sort of need to access any funds at the moment with a 100,000 sitting\n\nChannel 1: No.\n\nChannel 0: aside and,\n\nChannel 1: No.\n\nChannel 0: like, at\n\nChannel 1: No.\n\nChannel 0: casual\n\nChannel 1: I've\n\nChannel 0: work,\n\nChannel 1: got\n\nChannel 0: you're\n\nChannel 1: yeah.\n\nChannel 0: kinda comfortable? Yep.\n\nChannel 1: Yeah. I'm I'm quite comfortable now. I mean, when I did draw down on it, I was in a bit of a bad place financially.\n\nChannel 0: Yeah.\n\nChannel 1: I had a had a couple of blunders, and and I had yeah. And\n\nChannel 0: I'm sorry.\n\nChannel 1: and things weren't going real good. But but, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'm in a much better place now. So, yeah, I don't intend on drawing down on it, you know,\n\nChannel 0: Okay.\n\nChannel 1: anytime soon.\n\nChannel 0: Yeah. No. That's really good. Thank you for updating that. I do appreciate it.\n\nAnd, look, if you ever do need to, let me know. I know in the past we've had to do transactions without advice and things like that. But if you are at a point where you maybe wanna start drawing down a bit of an income or looking at updating things that way, let me know. I'm happy to have a chat about where you are, what your options are, and what we can do to help.\n\nChannel 1: Yeah.\n\nChannel 0: Having a bit of a look at the way things are at the moment, there might not be a need to do or update the advice just yet, but I'd like to definitely, after the review today, maybe do a catch up in a few months' time with you just to see where things are up to, see where things are\n\nChannel 1: Yep.\n\nChannel 0: changing, and\n\nChannel 1: Yep.\n\nChannel 0: just maybe keep a little bit more close an eye on where things are up to for you so we can\n\nChannel 1: Yep.\n\nChannel 0: kind of, note when changes need to occur or when advice needs to occur. But it also means that you don't have to contact us. We'll be contacting you to make sure that we're updating your circumstances a\n\nChannel 1: Yeah.\n\nChannel 0: bit more\n\nChannel 1: Yep.\n\nChannel 0: regularly for you. Does that sound okay?\n\nChannel 1: Yep. That sounds great.\n\nChannel 0: Yep.\n\nChannel 1: How much is actually\n\nChannel 0: Perfect.\n\nChannel 1: in it?\n\nChannel 0: And you're at the moment, so the next\n\nChannel 1: Yeah.\n\nChannel 0: thing I have here is your balance, which is a really great question. As of the 03/23/2026, your balance inside Superdair is 152,314 and 31¢.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So it is definitely up from where it was. The dollar figure, I said it was 11% return or 11.06% sorry. 11.06% return as a net. As a dollar figure, it equates about a $15,000.348 return.\n\nSo you've made\n\nChannel 1: Yeah. Right.\n\nChannel 0: out of your super $15,348 with that 11\n\nChannel 1: Yep.\n\nChannel 0: percent return. It does sound quite small, but because there is no contributions going in, it's solely just that\n\nChannel 1: Yeah.\n\nChannel 0: the portfolio\n\nChannel 1: It's not gonna\n\nChannel 0: can\n\nChannel 1: make\n\nChannel 0: do.\n\nChannel 1: much. Yeah. Yeah.\n\nChannel 0: Yeah. So, like, it's doing well. It is still ticking over. It has still made a really good solid return there. However, we are gonna see a bit more volatility in the market over the next couple\n\nChannel 1: Yeah.\n\nChannel 0: of months\n\nChannel 1: Yeah.\n\nChannel 0: with what's happening, so we will see those fluctuations coming and going. I\n\nChannel 1: Yep.\n\nChannel 0: would just like to maybe do a bit of a risk profile to sort of see whether we're gonna make any changes to your portfolio for you or whether you're sort of comfortable going through those ups and downs. Are you sort of thinking you probably don't wanna access super maybe until\n\nChannel 1: Yeah. Probably probably, I reckon I'd like to try and keep going till I'm 67.\n\nChannel 0: 6767. Beautiful. I'm so sorry. My phone is just freezing, and my computer is a little bit slow this afternoon. So if if I cut\n\nChannel 1: No\n\nChannel 0: it out\n\nChannel 1: worries.\n\nChannel 0: at all, please let me know. Gotta\n\nChannel 1: That's\n\nChannel 0: love\n\nChannel 1: okay.\n\nChannel 0: technology when it wants to work there,\n\nChannel 1: Yeah.\n\nChannel 0: doesn't\n\nChannel 1: It's\n\nChannel 0: it?\n\nChannel 1: great. Yeah.\n\nChannel 0: All good. My computer is really having a moment. I'm trying to go to the next document for you. All good. So I'll work on the age of 67 there, which is fantastic.\n\nAnd you're sort of living on about that sort of 20 to 30,000 as well that you're earning casually over the course of the year. Are you finding you need to sort of draw down on that money you have sitting in the bank very often to help you along, or\n\nChannel 1: No.\n\nChannel 0: is the casual work sufficient for what you have?\n\nChannel 1: It's it's the casual work's alright for what I've got. I I don't draw\n\nChannel 0: Yep.\n\nChannel 1: down on it at all.\n\nChannel 0: Okay. Fantastic. So your living expenses are fairly low at the moment, which is good.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beautiful. And your main primary residence, you mentioned you were selling the unit. You're living in the unit now. That's your main primary residence. Is that right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. And what's the time frame do you have before you're sort of hoping to sell that one?\n\nChannel 1: Probably I'm thinking more towards the end of the year.\n\nChannel 0: Yep. Okay. Perfect. And move to the bush. Have you got an idea?\n\nI've been looking at where you'd like to move to and\n\nChannel 1: I've been looking\n\nChannel 0: what\n\nChannel 1: I've\n\nChannel 0: sort\n\nChannel 1: been\n\nChannel 0: of\n\nChannel 1: looking\n\nChannel 0: property\n\nChannel 1: at\n\nChannel 0: you're\n\nChannel 1: a few\n\nChannel 0: after.\n\nChannel 1: spots. Yeah.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Then sort of Northern Rivers area.\n\nChannel 0: Oh, nice. Whereabouts down there?\n\nChannel 1: Cuyahoga.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: Great\n\nChannel 0: my neck\n\nChannel 1: spot.\n\nChannel 0: of the\n\nChannel 1: Is it?\n\nChannel 0: woods. Yeah. Yeah. So I was born and bred in Murwillumbah, and I live at Tweed. So that's the Northern\n\nChannel 1: Okay.\n\nChannel 0: New South\n\nChannel 1: Cool.\n\nChannel 0: Wales. Northern\n\nChannel 1: Yeah.\n\nChannel 0: Rivers is my neck of the woods. Yeah.\n\nChannel 1: Yeah. I love I love it down through there. Yeah.\n\nChannel 0: It is really nice, isn't it? It's nice and quiet. It's lovely town.\n\nChannel 1: Yep.\n\nChannel 0: It's beautiful.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Oh, fantastic. Fantastic. Sorry. I'm just looking. Now I'm just also sending you through an annual review pack, which will be in your email at the end of the call there as well, Nigel.\n\nIt does take you through, obviously, the reports that we have showing that 11% return that you have received for the year. It also gives you a summary of your balance. It also has the financial services guide attached as well, which takes you through everything about who we are, what we do, and how we do it. It has\n\nChannel 1: Yeah.\n\nChannel 0: all of my licensing information in there for you as well. I know we have submitted in the past. I have done any reviews for you. My voice probably sounds a bit different today than it has in the past. I do apologize about that.\n\nChannel 1: That's alright.\n\nChannel 0: Essentially, having a look through that, it'll give you a bit more of an idea about who we are, what we do, how we do things. And it's just really important that this year moving forward because you are so close and in those ages where you're able to access Super that we do monitor things a bit more closely for you,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and that when the time comes that we're able to access it. I do wanna, as I mentioned, do a bit of a risk profile with you as well today because it's important to sort of have a look and see whether we're gonna make any changes to your portfolio. I know you would have received a record of advice in an email a few days ago. Do you remember receiving anything, noting we were making some changes to your portfolio there at all?\n\nChannel 1: I I there's there's probably one in there. I haven't looked at it.\n\nChannel 0: No. That's okay. One\n\nChannel 1: Haven't\n\nChannel 0: of\n\nChannel 1: haven't\n\nChannel 0: your previous\n\nChannel 1: checked them. Yeah.\n\nChannel 0: that's okay. One of your previous underlying investments was Ben along Australian Equities. It has been over the past couple of months underperforming. So we have made some changes and have made a decision as a business to remove that investment. So it has been removed out of your portfolio.\n\nYou'll probably see in your email there a bit of a what's called a record of advice, just letting you know\n\nChannel 1: Okay.\n\nChannel 0: that we were gonna make that change for you. So but if you do see that, feel free to have a read through it. Let me know if you have any questions in relation to it, but that those investments have been changed out of there. So instead of having a bend along Australian equities, which under was underperforming, we've now put in its place the Australian 200, so the beta share is a 200. And that\n\nChannel 1: Yep.\n\nChannel 0: essentially sorry. That's still giving you exposure to Australian equities, which is important, but it's more of a lower cost passively managed funds. The idea of the a 200 is that you're invested and you're tracking the top 200 companies on the ASX instead of having\n\nChannel 1: Yes.\n\nChannel 0: an investment manager trying to outperform the market. When we look at passive versus active management, tracking an index, and just participating in the market even through the ups and downs, over the longer term, you do tend to come out in front and, like, been\n\nChannel 1: Yeah.\n\nChannel 0: along\n\nChannel 1: I'm right.\n\nChannel 0: with\n\nChannel 1: Yep.\n\nChannel 0: actively managed fund. They were supposed to be buying and selling and trying to outperform the markets. They weren't doing so, so it was time to give them\n\nChannel 1: Yep.\n\nChannel 0: a flick and remove them from your fund for you. Okay?\n\nChannel 1: Yep. Cool.\n\nChannel 0: Beautiful. But when you do find that one, have a bit of a look at it. If you do find you have any questions in relation to it, you're welcome to let me know at any point in time. Okay?\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Now just to run through a few more other details for you with your main primary residence there, what sort of value do you think you put on the property there at the moment?\n\nChannel 1: Probably around the 800 mark.\n\nChannel 0: Yep. Perfect. I think last time we spoke, I had about 570 on here, so it's gone up\n\nChannel 1: Yeah.\n\nChannel 0: quite\n\nChannel 1: One\n\nChannel 0: considerably.\n\nChannel 1: one one solves five months ago here for for 740.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: and it wasn't fully renovated. Mine will be or it might will be fully modernized and renovated.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: And\n\nChannel 0: Nice.\n\nChannel 1: it yeah. It seems to be going up. And I'm having a look around the area. Yeah. I reckon rep.\n\nProbably maybe maybe a bit less. Like, 800 would probably be the most. Probably be, like,\n\nChannel 0: Okay.\n\nChannel 1: $7.80, 800 sort of thing.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Around there.\n\nChannel 0: Yep. Perfect. Not a problem at all. And I've also got your Hilux down here. Do you still have the Hilux Ute?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. I had a value on that one of about, sorry, 15,000. Would that still be roughly the same?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: Yeah. That'd be around about the same, I think.\n\nChannel 0: yep. Perfect. All good. And do you have any other assets? Having a look here, that's all I've kind of got noted down.\n\nBut is there anything else that you would want noted or anything else that we\n\nChannel 1: No.\n\nChannel 0: maybe maybe need to note down about\n\nChannel 1: Not\n\nChannel 0: you?\n\nChannel 1: really.\n\nChannel 0: No.\n\nChannel 1: Got nothing nothing special.\n\nChannel 0: No. That's okay. Another thing to take into account, a lot of people don't think about it, is their contents. Do you have contents insurance?\n\nChannel 1: No. I don't, actually.\n\nChannel 0: No. No. That's okay. If you were to have a bit of a look around at your property, what sort of value do you think you might put on your content?\n\nChannel 1: Oh, not a real lot, to be honest.\n\nChannel 0: Yeah. That's okay. Do\n\nChannel 1: I\n\nChannel 0: you think\n\nChannel 1: haven't\n\nChannel 0: maybe\n\nChannel 1: got anything. This is it's very it's worth very much.\n\nChannel 0: yeah. That's right. Do you think maybe more or less than 10,000 might be an estimate of value or\n\nChannel 1: Way less than 10,000.\n\nChannel 0: way less? If I go five, four, three, two, what do you think you might\n\nChannel 1: Probably\n\nChannel 0: like me to pop\n\nChannel 1: probably\n\nChannel 0: down?\n\nChannel 1: three.\n\nChannel 0: Yeah. Beautiful. It sounds really interesting, and a lot of people think I'm you know, it might sound a bit silly. But, realistically, if something happened to your property and you had to replace everything you had, and you're basically thinking about if you tipped your house upside down and everything fell out. That's all your contents.\n\nIt could add up to quite\n\nChannel 1: Yeah.\n\nChannel 0: a significant amount.\n\nChannel 1: Yeah. I suppose it could, but, yeah, I live pretty legally, and I don't have a have a real lot.\n\nChannel 0: Mhmm.\n\nChannel 1: Nothing nothing flash, really.\n\nChannel 0: Yep. No. That's okay. That's not a problem at all. All good.\n\nAnd do you have any, like, tools or and anything of value you might keep in your shed?\n\nChannel 1: Yeah. I've probably got I've probably got 5 or $6,000 worth of tools.\n\nChannel 0: Yep. Perfect. I can definitely note those down because they are a lot of those tools can be\n\nChannel 1: Yeah.\n\nChannel 0: pretty expensive and quite costly if you had to replace them. So I'll just note those down for you here as well. And you said about 5 or 6,000?\n\nChannel 1: Yeah. Probably closer to 6.\n\nChannel 0: Yep. Perfect. 6,000. Lovely. Excellent.\n\nAnd have you ever considered have you got a will or a power of attorney in place, or have you considered having those drawn up in the past at all?\n\nChannel 1: I'm I'm actually getting one drawn up shortly. I've got a friend who's who's a who's whose brother is is a a will lawyer\n\nChannel 0: Wow. Yep. Yep.\n\nChannel 1: or\n\nChannel 0: Perfect.\n\nChannel 1: or a will person. Yeah. So I'm\n\nChannel 0: Yep.\n\nChannel 1: getting I'm in the middle of sorting that out now because I really haven't got any relatives or anything. So I need to get get it all done. Yeah.\n\nChannel 0: Yeah. Yeah. No. Definitely. I'm just also having a quick look at your beneficiaries as well because it's really important that they be updated on your portfolio here.\n\nHave they asked you anything about the beneficiaries on your super at all? Or\n\nChannel 1: I think they did once before,\n\nChannel 0: Mhmm.\n\nChannel 1: but I I don't know if I did anything about it.\n\nChannel 0: Yep. No. That's okay. Because I'm having a look, and it's just loaded for me, and it just shows there's no beneficiary nominated here. So, essentially, with the way that is noted at the moment, if you were to pass away in touch with nothing happens, we want you to be nice and healthy, enjoy your life.\n\nBut if anything was to happen, with not having a beneficiary nomination on file, your super fund has essentially go through a bit of a probate, which means that they have\n\nChannel 1: Yep.\n\nChannel 0: to go out there and see if you've got any family members. If there's nothing, no claims against the money, it goes to your state. And, again, if you don't have a will in process or in progress, then there's a probate process there as well. So\n\nChannel 1: Yep.\n\nChannel 0: it does kind of mean you are kinda going to that probate side of things. It's it's doesn't normally affect us if we're not here anymore. However, it can be a little bit harder for family and friends and things like that, and it might mean\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Right.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: estate doesn't get directed to where you want it to go, which could be the most\n\nChannel 1: Yeah.\n\nChannel 0: important part there. So\n\nChannel 1: Yep.\n\nChannel 0: as part of the estate planning for your will, has your solicitor asked you questions about what you want to happen to the, you know, to your super or what you want to happen to your estate? What have they kind of discussed with you so far?\n\nChannel 1: Well, I haven't really discussed anything with them yet. I'm I'm\n\nChannel 0: Yeah.\n\nChannel 1: meeting with them next week,\n\nChannel 0: Okay.\n\nChannel 1: but I'm probably\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: That's\n\nChannel 1: gonna leave it all to charities because I've got I've got some some cousins, but they're really distant, and I barely even know them. And\n\nChannel 0: nice.\n\nChannel 1: and they, you know, like so I just I'd I'd prefer to see it go to worthy causes\n\nChannel 0: Yeah.\n\nChannel 1: rather\n\nChannel 0: Perfect.\n\nChannel 1: than there's about 10 of them and I'd I'd rather than they're all them all fighting over it or, you know, getting the\n\nChannel 0: Yep.\n\nChannel 1: tenth of something each.\n\nChannel 0: Yep. Yep. So you just can request it all to some charities that, you know, pique your interest or are close to your\n\nChannel 1: Yeah.\n\nChannel 0: heart?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Probably\n\nChannel 0: That's really\n\nChannel 1: things\n\nChannel 0: nice.\n\nChannel 1: that are close things that are close to wildlife and\n\nChannel 0: Oh, beautiful.\n\nChannel 1: because, you know, like, I'd rather see it get do some good\n\nChannel 0: Yeah.\n\nChannel 1: there than give everybody just a tiny little bit.\n\nChannel 0: Yep.\n\nChannel 1: They've got their own families to to to inherit from.\n\nChannel 0: Yep. No. That's okay. That's not a problem at all. It's probably one of the most honest and probably one of the nicest things I've heard when it comes to the estate planning side of things.\n\nSo that's really lovely.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Well, it could it can do some good like, most of the wildlife and animals and that don't have a voice for themselves.\n\nChannel 0: Yeah. Yeah. No. That's okay. That's not a problem\n\nChannel 1: And a lot\n\nChannel 0: at\n\nChannel 1: of\n\nChannel 0: all.\n\nChannel 1: it's done by volunteers and so you can go go to some do some good.\n\nChannel 0: Yeah. No. Not a problem at all. That's fantastic. So when it comes down to your super, with not having any direct beneficiaries, and they do have a bit of laws and legislation around who can receive your super.\n\nIt generally has to be your children, your spouse, someone with who's relied on you, lived with you, or relied on you for support or, like, someone with the who's had an interdependent relationship, they call it, to someone who's relied on you for day to day living expenses. It looks like you don't really have anyone in that capacity. So\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: There\n\nChannel 0: other\n\nChannel 1: isn't\n\nChannel 0: option\n\nChannel 1: anybody. No.\n\nChannel 0: no. That's okay. The other option is we can always nominate your legal personal representative, which means that in the event of your passing, your super is paid with your to your estate and then gets divided up with your will. Does that sound like something that's more probably better\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: Yep.\n\nChannel 1: sounds like\n\nChannel 0: Perfect.\n\nChannel 1: the right way to go.\n\nChannel 0: Yeah. Beautiful. Are you comfortable with if you like, we can do is we can resend out with some beneficiary nominations to us. Would you like us to pre fill the beneficiary section, take the legal personal representative for you to make it a bit easier?\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: Yeah. Beautiful. And you're comfortable is it maybe a 100% to your estate? Does that sound right? And are you comfortable with us pre filling that for\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you? Yeah. Beautiful. Lovely. Just need to make sure we get some directions and that we do and when we are pre filling these homes because they are legal forms that we have, you know, correct instructions from you so that we're doing the right thing.\n\nOkay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Marital status, I have you down as single. Any new flames in the work? Have you got any new\n\nChannel 1: No.\n\nChannel 0: hot\n\nChannel 1: No new\n\nChannel 0: relationships\n\nChannel 1: flames.\n\nChannel 0: recently? No. Nothing? That's okay. Do you have any dependent children or\n\nChannel 1: No.\n\nChannel 0: any\n\nChannel 1: No.\n\nChannel 0: children\n\nChannel 1: No\n\nChannel 0: at\n\nChannel 1: children.\n\nChannel 0: all? Nope. That's\n\nChannel 1: No\n\nChannel 0: okay. Beautiful. I don't have a next of kin down here\n\nChannel 1: children.\n\nChannel 0: for you at all. It is really important that we do have someone that we can contact if we were unable to get a hold of you as a bit of a next of kin. Would there be anyone that you would want noted? If\n\nChannel 1: Can't\n\nChannel 0: you don't,\n\nChannel 1: really\n\nChannel 0: it's\n\nChannel 1: think of\n\nChannel 0: okay.\n\nChannel 1: anything for anybody.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: I'm\n\nChannel 0: If\n\nChannel 1: not\n\nChannel 0: you do\n\nChannel 1: really\n\nChannel 0: happen\n\nChannel 1: close\n\nChannel 0: to\n\nChannel 1: to anybody really.\n\nChannel 0: no. That's okay. You just enjoy your own company, kinda fairly secluded,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and\n\nChannel 1: I'm just yeah.\n\nChannel 0: have your\n\nChannel 1: Just\n\nChannel 0: regular\n\nChannel 1: sort of\n\nChannel 0: acquaintances.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. That's okay. It's not a problem at all. I'll just make a note here for you. Now what sort of you mentioned you're doing some casual work.\n\nWhat kind of work are you doing casually? What do you normally do by trade?\n\nChannel 1: I'm a form worker by trade, but I I just do little concreting jobs and just all sorts\n\nChannel 0: Perfect.\n\nChannel 1: of different odd jobs.\n\nChannel 0: Lovely. A\n\nChannel 1: Little\n\nChannel 0: bit of a jack\n\nChannel 1: garden\n\nChannel 0: of all trades.\n\nChannel 1: makeovers,\n\nChannel 0: Yeah.\n\nChannel 1: small small concreting\n\nChannel 0: Perfect.\n\nChannel 1: jobs.\n\nChannel 0: Sounds like you are a bit of a jack of all trades, that one.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And I've got down here that you're averaging roughly about 20 to 30,000 casually over the course of the year, give or take, depending on the work that you get and that you're able to do.\n\nChannel 1: Yeah.\n\nChannel 0: Does that sound about right? Yep.\n\nChannel 1: Yep. It seems a bit right.\n\nChannel 0: Beautiful. And health wise, has there been any major changes? Is everything still fairly much as it was, or have you had any major changes in your health?\n\nChannel 1: No. Health's pretty good.\n\nChannel 0: Beautiful. Beautiful. With medium term and long term goals here, I've got down here that you're hoping to sorta access super maybe around age 67. Is there I've also got down here that you're hoping by the end of the year to maybe sell your current property and buy something in the country. Is there any other goals that you have that you're looking to achieve in the next one, two, three, or five years?\n\nIt can be anything at all.\n\nChannel 1: No. Not really.\n\nChannel 0: Yep. It's okay. Fairly simple. I love it. Just live in the country and enjoy yourself.\n\nNice, quiet life.\n\nChannel 1: Yep. It'll\n\nChannel 0: Beautiful.\n\nChannel 1: do. Yeah.\n\nChannel 0: That's okay. It's not a problem. As I kinda mentioned, they'll do catch ups with you a bit more regularly, Nigel. So if anything does change, you are welcome to let me know. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: So the property in the next, we'll say, end of the year. Yes. Beautiful. Now the next thing I just want to run through is a bit of a risk profile there. So the last information I have here is that you're in more of a moderate portfolio, which is sort of on the lower end of the risk scale.\n\nGenerally, suit someone who has about three to five years before they're wanting to access their super there. Given your age and stage, it sounds about right, really, because you're\n\nChannel 1: Yep.\n\nChannel 0: 63 this year, about to turn 63 this year.\n\nChannel 1: Yep.\n\nChannel 0: So and the reason I kind of ask a bit more about when you're kinda hoping to access super, It's it's basically because of that because we don't wanna see you taking too much risk in the market. We wanna make sure you're\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: a portfolio. It's kind of in line with the amount of risk you're able to take. The idea is we're sort of hoping that you're not gonna be accessing your super right when there is a market dip. So that's why I wanna kind of catch up a little bit more regularly with you, maybe\n\nChannel 1: Yep.\n\nChannel 0: once\n\nChannel 1: Yep.\n\nChannel 0: every three or six months just to see how your portfolio is going, see how the market is going. And then when we need to maybe update some advice, we can do that with you. Okay?\n\nChannel 1: Yep. No\n\nChannel 0: I've\n\nChannel 1: worries.\n\nChannel 0: got sorry. I've got the risk profile questionnaire up here in front of me. It is very similar to the last couple of years. I've got just a couple of questions already answered to make it easier. The first one here is I've got down, you've never invested into shares or direct funds in your own name before.\n\nIs that right?\n\nChannel 1: That's right.\n\nChannel 0: Yeah. Beautiful. Lovely. How do you think you might be feeling over the course of the say, one to two years if due to what was happening in the world, generally, if the market did take a bit of a dip? How do you think that might be making you feel?\n\nChannel 1: It'd be a concern. I don't think\n\nChannel 0: Yeah.\n\nChannel 1: I'd I'd, you know, I don't think I'd lose it over or anything, but it would be it would be something that would be better if it didn't happen.\n\nChannel 0: So concern. Absolutely. And we would definitely love it if it didn't. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay, sir. A bit concerned. Do you think in that sort of a time frame you might be wanting to put more money intake advantage of the dip? Are you more likely to call us and have a chat with me to see what's going on and what we can do, or are you feeling like maybe moving some money out into a different, more secure asset? How do you think you might react in that circumstance?\n\nChannel 1: Not sure. Probably I'd probably leave it in super, but I just have a chat about about what to do.\n\nChannel 0: Yep.\n\nChannel 1: I'm not\n\nChannel 0: That's\n\nChannel 1: look.\n\nChannel 0: okay.\n\nChannel 1: I don't read and write well, and I don't have a lot of understanding of investing\n\nChannel 0: Okay.\n\nChannel 1: or anything like that. That's why I would\n\nChannel 0: Yeah.\n\nChannel 1: never take anything on like that myself\n\nChannel 0: No. Of course. Understandable.\n\nChannel 1: because I would I would I would almost a 100% do the wrong thing.\n\nChannel 0: Okay. No. That's alright. Well, I'll definitely make sure I guide you through things. And knowing that when we have those conversations, we'll definitely talk a little bit slower and a bit deeper.\n\nAnd if you find you have questions about the investments, about the way things are looking, or anything that you are hearing, please flag it for me because I'm more than happy to make time to chat you through things in a bit more detail as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. So I've sort of ticked the box here saying you'd probably maybe call us hold and wait. If we did see a market dip in the next, say, one to two years or when you are closer to the age of 67, do you think you'd be willing to work a little bit longer before accessing accessing some of that super, or do you think you'd be more inclined to just retire anyway? How do you think you might feel?\n\nChannel 1: Well, if if my health is alright, I'd probably just keep going.\n\nChannel 0: Perfect. Perfect. All good. And I've got here what reasonable rate of return are you hoping to get out of your super. Obviously, we're all wanting the best return we can possibly get.\n\nAm I wrong? Or\n\nChannel 1: Yeah. Well, that's right. Yeah. Best I can get. Yeah.\n\nChannel 0: beautiful. And when it comes to borrowing for investments, you've had your investment so you received the investment property as a bit of an inheritance, but you've only really borrowed for your main primary residence. Is that right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. Beautiful. Lovely. Now having a look at this one here, you've actually scored there as a growth invest and growth investor. With where you are, that was the sort of portfolio you were in originally.\n\nI'm having a look at your file here. It kind of looks like we did provide a record of advice back in 2022 to move you into something a little bit more conservative, more of a moderate portfolio. I'm just trying to find the asset allocation there for this one. But from what I can see here, it's generally looking like sorry. I'm just going to pull up a different document which breaks it down because I don't wanna give you the wrong information, but that one there doesn't have the asset allocation in it.\n\nSo I just wanna make sure that we're that you understand, but that I also know exactly what portfolio you're in because I don't want you to be taking on too much risk in the market. But we also wanna make sure that your portfolio is working, that you are getting returns because without contributions, that's essentially the most important thing is that your portfolio is working harder for you. It's a bit of a\n\nChannel 1: Yeah.\n\nChannel 0: a juggling act, that one, and that you want you\n\nChannel 1: Yeah.\n\nChannel 0: want\n\nChannel 1: Yeah.\n\nChannel 0: returns. So sorry. I won't be in two minutes. I'm just gonna scroll through this table a little bit here. Won't be one second.\n\nChannel 1: No worries.\n\nChannel 0: All good. So just had to confirm there for you. But with the portfolio, it generally sees when we're looking at growth assets, you're generally looking at around 50 to 60% in growth investments. So that's like Australian shares, international shares, a bit of property, and some commodities like gold and silver, and you've got some physical gold in your portfolio at the moment. The other side of that is what we call defensive or lower risk investments, so things like cash, bonds, and fixed interest.\n\nThose sorts of investments are lower risk. They do tend to get a lower rate of return, but as we get closer to accessing super, they're more important to kind of increase those. And with this sort of a portfolio, you've got 40% in there. And we look at things like fixed interest, things like term deposits, bonds, also high interest savings accounts, and things like that to give us, you know, as good as best returns you can get for those sorts of investments, but also lowering the overall risk level of your portfolio. This sort of portfolio does suit someone who is wanting to, sorry, access super in about sort of three years, and you can be in this portfolio longer term if you want to as well.\n\nAre you fairly comfortable staying in that sort of environment? Did you want me to break it down more for you? Do you have any questions?\n\nChannel 1: No. I I think it's\n\nChannel 0: Yeah.\n\nChannel 1: I think it's probably the the best place for me to be.\n\nChannel 0: Yeah. Yeah. Perfect. So I had to confirm that because over the course of the last few years, we've renamed our portfolios a few different times.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Right.\n\nChannel 0: so I had to make sure what it was back then equals what I have now, so it's\n\nChannel 1: Yep.\n\nChannel 0: all good.\n\nChannel 1: Yep.\n\nChannel 0: But it is. It's more of that balance sort of environment there. And, realistically, with a four year time horizon accessing, so if you can stay here, I would like to just catch up with you as a mentor a little bit more regular to see where things are going, have a look at things. My role here is as a financial adviser, I do a lot of our time and advice for our clients. So\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: Yes.\n\nChannel 0: kind of live in that space of either close to accessing super, making sure we're understanding that risk level, but also making sure that we're working you're able to access Centrelink down the track and get longevity out of that super as well. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah, there's definitely things that we can do to help you down the track to whilst your super balances are a little bit lower than where we'd like it to be, we can get\n\nChannel 1: Yep.\n\nChannel 0: as much\n\nChannel 1: Yep.\n\nChannel 0: longevity out of it as possible and, you know, try and get as much out of the government as we can to help you along as well.\n\nChannel 1: Yep.\n\nChannel 0: Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Makes sense. Yeah.\n\nChannel 0: Beautiful. You've worked hard. You've paid a lot of taxes. It's time for them to give you some money back.\n\nChannel 1: Yeah.\n\nChannel 0: All good. So, honestly, that that portfolio does suit quite fine for where you're at. Down the track, I would like to maybe reassess Netwealth as an investment platform as well. But because there's really no need to make any changes, because we've already moved that Banda Long investment out, you're happy with where the asset allocation is, and it does suit your time horizon and your risk tolerance. I wouldn't be inclined to make any major changes now, but I would like to maybe make a catch up for the next few months to sort of see how things are going and see whether we're gonna make any changes down the track there or what, you know, what's happening in your life just to\n\nChannel 1: Yeah.\n\nChannel 0: kinda\n\nChannel 1: Right.\n\nChannel 0: keep\n\nChannel 1: Yep.\n\nChannel 0: up.\n\nChannel 1: Yep.\n\nChannel 0: Do you think maybe six months might be okay, or what sort of time frame\n\nChannel 1: Yeah.\n\nChannel 0: might\n\nChannel 1: Yeah.\n\nChannel 0: suit you\n\nChannel 1: Probably\n\nChannel 0: a bit,\n\nChannel 1: probably\n\nChannel 0: Nigel?\n\nChannel 1: yeah. It goes goes six months. Yeah. I\n\nChannel 0: Six\n\nChannel 1: think.\n\nChannel 0: months? Yep. Perfect. And, look, there\n\nChannel 1: Yep.\n\nChannel 0: may not be any changes down at that point either, but it's still important just to catch up, see where things are\n\nChannel 1: Yeah.\n\nChannel 0: going.\n\nChannel 1: Just to just\n\nChannel 0: Yeah.\n\nChannel 1: to see what's happening.\n\nChannel 0: Absolutely. Just to keep a bit more of a closer eye on things for you. And then when things are changing, when you decide you need to access money, you have that call, you've got me there. You can go, hey. I think I need something, and we can talk about what you need to do then.\n\nOkay?\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Perfect. Now as I did mentioned, I did send a annual review pack to you. I'm sorry. Feel free to have a look through those documents.\n\nLet us know if you do happen to have any questions. It does also have the ongoing service agreement attached there. So with that one there, you are paying an ongoing service fee for having us as your advisers. The ongoing\n\nChannel 1: Yep.\n\nChannel 0: service fee is 1.65%. It is calculated that's ideally percentage. It's calculated and deducted in smaller monthly increments. So it is linked\n\nChannel 1: Yep.\n\nChannel 0: to the performance of your super. So the same as in previous years, it goes up and down with the market, which is really important. Do you have any\n\nChannel 1: Yep.\n\nChannel 0: questions\n\nChannel 1: Yep.\n\nChannel 0: about the ongoing service fee, about our services, or anything I've kinda gone with you today through with you today?\n\nChannel 1: No. No. That's alright.\n\nChannel 0: No? Beautiful. Well, if you do have any questions, you're welcome to let me know. I've got it in my calendar. One of my beautiful admin team will book you in in six months time for another sort of catch up.\n\nAnd in the meantime, if you need anything, Nigel, please let me know. My name's Dana. I'll always make myself available to help you out. I also work after hours. So, generally, Monday to Thursday up until about 7PM Queensland time.\n\nSo I can chat later in the evening if that's easier for you as well. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Excellent. Excellent. Well, I will let you go. I thank you so much for your time. I hope you have a good afternoon, and feel free to read through those documents.\n\nIf you find you have any questions, let me know. The only other thing to check is your ID, which is completely all up to date. So, yeah, that's basically everything. A nice easy review for you today.\n\nChannel 1: No worries.\n\nChannel 0: Andy, thank you so much for your time. I'll let you go. I hope you have a lovely evening.\n\nChannel 1: Thank you very much,\n\nChannel 0: My\n\nChannel 1: and\n\nChannel 0: pleasure.\n\nChannel 1: you\n\nChannel 0: Thanks\n\nChannel 1: have a nice\n\nChannel 0: for your\n\nChannel 1: evening\n\nChannel 0: time.\n\nChannel 1: too.\n\nChannel 0: I will.\n\nChannel 1: Bye\n\nChannel 0: You too.\n\nChannel 1: bye.\n\nChannel 0: Thanks. Thanks for your time. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Nigel.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.21644119918346405},{"text":"It's Dana.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.20184218883514404},{"text":"How are you this afternoon?","start":3.52,"end":4.66,"sentiment":"neutral","sentiment_score":0.3204087018966675}],"sentiment":"neutral","sentiment_score":0.27095669839117265,"channel":0,"num_words":9,"start":2.3999999,"end":4.66},{"sentences":[{"text":"Hi, Donna.","start":4.96,"end":5.52,"sentiment":"neutral","sentiment_score":0.12146183848381042},{"text":"How are you?","start":5.52,"end":5.92,"sentiment":"neutral","sentiment_score":0.13469936698675156},{"text":"Sorry about that.","start":5.92,"end":6.98,"sentiment":"neutral","sentiment_score":-0.13617384930451712}],"sentiment":"neutral","sentiment_score":0.029812528751790524,"channel":1,"num_words":8,"start":4.96,"end":6.98},{"sentences":[{"text":"That's okay.","start":7.2,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.0014780787751078606}],"sentiment":"neutral","sentiment_score":0.0014780787751078606,"channel":0,"num_words":2,"start":7.2,"end":7.7599998},{"sentences":[{"text":"I missed","start":7.6,"end":8.08,"sentiment":"neutral","sentiment_score":-0.08745049126446247}],"sentiment":"neutral","sentiment_score":-0.08745049126446247,"channel":1,"num_words":2,"start":7.6,"end":8.08},{"sentences":[{"text":"It's not","start":7.7599998,"end":8.24,"sentiment":"neutral","sentiment_score":-0.14815684407949448}],"sentiment":"neutral","sentiment_score":-0.14815684407949448,"channel":0,"num_words":2,"start":7.7599998,"end":8.24},{"sentences":[{"text":"the call","start":8.08,"end":8.559999,"sentiment":"neutral","sentiment_score":-0.15683674067258835}],"sentiment":"neutral","sentiment_score":-0.15683674067258835,"channel":1,"num_words":2,"start":8.08,"end":8.559999},{"sentences":[{"text":"a","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":-0.16046106815338135}],"sentiment":"neutral","sentiment_score":-0.16046106815338135,"channel":0,"num_words":1,"start":8.24,"end":8.74},{"sentences":[{"text":"earlier.","start":8.559999,"end":9.059999,"sentiment":"neutral","sentiment_score":-0.1803783178329468}],"sentiment":"neutral","sentiment_score":-0.1803783178329468,"channel":1,"num_words":1,"start":8.559999,"end":9.059999},{"sentences":[{"text":"yeah.","start":9.36,"end":9.599999,"sentiment":"neutral","sentiment_score":-0.016530489549040794},{"text":"No.","start":9.599999,"end":9.76,"sentiment":"neutral","sentiment_score":-0.09422287344932556},{"text":"It's not a problem at all.","start":9.76,"end":10.8,"sentiment":"neutral","sentiment_score":0.0246958223481973},{"text":"That's why we tend to call twice and then send a text message just so you know it is us because life life gets in the way.","start":10.8,"end":16.435,"sentiment":"neutral","sentiment_score":-0.05408438234762461},{"text":"It's completely understandable.","start":16.435,"end":17.575,"sentiment":"neutral","sentiment_score":0.05644665316989025}],"sentiment":"neutral","sentiment_score":-0.0329872840206678,"channel":0,"num_words":38,"start":9.36,"end":17.575},{"sentences":[{"text":"I","start":20.355,"end":20.595001,"sentiment":"neutral","sentiment_score":0.06847377121448517}],"sentiment":"neutral","sentiment_score":0.06847377121448517,"channel":0,"num_words":1,"start":20.355,"end":20.595001},{"sentences":[{"text":"Yep.","start":20.475,"end":20.975,"sentiment":"neutral","sentiment_score":0.07013945281505585}],"sentiment":"neutral","sentiment_score":0.07013945281505585,"channel":1,"num_words":1,"start":20.475,"end":20.975},{"sentences":[{"text":"had to put in easy.","start":20.595001,"end":22.355,"sentiment":"neutral","sentiment_score":0.036324943602085116},{"text":"I had to put in negotiate and review there.","start":22.355,"end":24.935001,"sentiment":"neutral","sentiment_score":0.016668094942967098},{"text":"As part of today's call, is there anything particular that you wanted to maybe touch base on or talk about, or is there any questions that you have for me specifically?","start":25.235,"end":32.879997,"sentiment":"neutral","sentiment_score":0.06829673658695913}],"sentiment":"neutral","sentiment_score":0.05441858681539694,"channel":0,"num_words":45,"start":20.595001,"end":32.879997},{"sentences":[{"text":"Not really.","start":34.53,"end":35.27,"sentiment":"neutral","sentiment_score":-0.06924156472086906},{"text":"Just oh, the only one I was just wondering is how is it going with the the the global situation that's going on?","start":35.329998,"end":43.19,"sentiment":"neutral","sentiment_score":-0.07889988524434359}],"sentiment":"neutral","sentiment_score":-0.07812721960246563,"channel":1,"num_words":25,"start":34.53,"end":43.19},{"sentences":[{"text":"Yeah.","start":43.355,"end":43.755,"sentiment":"neutral","sentiment_score":0.13314349949359894},{"text":"Absolutely.","start":43.755,"end":44.255,"sentiment":"neutral","sentiment_score":0.3184349238872528},{"text":"So I do actually have a report here in front of me to give you an idea of that.","start":44.955,"end":49.435,"sentiment":"neutral","sentiment_score":0.2900065309122989},{"text":"Now the report I'm looking at here with regard to your super is from the last twelve months.","start":49.435,"end":55.22,"sentiment":"neutral","sentiment_score":0.21726938916577232},{"text":"So whilst the markets are a bit volatile there and we are seeing those ups and downs, the net return your portfolio has seen is still a positive 11.6%.","start":55.22,"end":66.1,"sentiment":"neutral","sentiment_score":0.21023418561651788}],"sentiment":"neutral","sentiment_score":0.23484327792025664,"channel":0,"num_words":68,"start":43.355,"end":66.1},{"sentences":[{"text":"That's net return after fees.","start":66.1,"end":68.2,"sentiment":"neutral","sentiment_score":0.18070814311504363}],"sentiment":"neutral","sentiment_score":0.18070814311504363,"channel":0,"num_words":5,"start":66.1,"end":68.2},{"sentences":[{"text":"Yeah.","start":69.03,"end":69.35,"sentiment":"neutral","sentiment_score":0.1513916254043579},{"text":"Right.","start":69.35,"end":69.67,"sentiment":"neutral","sentiment_score":0.1473560631275177},{"text":"Yep.","start":69.67,"end":69.99,"sentiment":"neutral","sentiment_score":0.13694284856319427},{"text":"No.","start":69.99,"end":70.15,"sentiment":"neutral","sentiment_score":0.09237544983625412},{"text":"That's","start":70.15,"end":70.31,"sentiment":"neutral","sentiment_score":0.11045676469802856}],"sentiment":"neutral","sentiment_score":0.12770455032587053,"channel":1,"num_words":5,"start":69.03,"end":70.31},{"sentences":[{"text":"Yeah.","start":70.235,"end":70.634995,"sentiment":"neutral","sentiment_score":0.14719828963279724}],"sentiment":"neutral","sentiment_score":0.14719828963279724,"channel":0,"num_words":1,"start":70.235,"end":70.634995},{"sentences":[{"text":"pretty","start":70.31,"end":70.81,"sentiment":"neutral","sentiment_score":0.15386657416820526}],"sentiment":"neutral","sentiment_score":0.15386657416820526,"channel":1,"num_words":1,"start":70.31,"end":70.81},{"sentences":[{"text":"So it's still seeing a positive return, which is really good.","start":70.634995,"end":73.534996,"sentiment":"positive","sentiment_score":0.6094839518720453},{"text":"There are some investments.","start":73.595,"end":75.775,"sentiment":"positive","sentiment_score":0.3797454386949539},{"text":"I'm just having a look at what you've got in there underlying.","start":75.835,"end":78.415,"sentiment":"neutral","sentiment_score":0.2407492995262146},{"text":"Yeah.","start":80.075,"end":80.315,"sentiment":"neutral","sentiment_score":0.13664357364177704},{"text":"No.","start":80.315,"end":80.555,"sentiment":"neutral","sentiment_score":0.1077016144990921}],"sentiment":"positive","sentiment_score":0.3916083450975089,"channel":0,"num_words":29,"start":70.634995,"end":80.555},{"sentences":[{"text":"Look.","start":80.555,"end":80.715,"sentiment":"neutral","sentiment_score":0.27970778942108154},{"text":"Everything is doing quite well.","start":80.715,"end":82.395,"sentiment":"positive","sentiment_score":0.42552798986434937},{"text":"So just have me look at your what portfolio you're in as well because I believe there might have been some changes in the past.","start":82.395,"end":90.42,"sentiment":"neutral","sentiment_score":0.21166544884443284},{"text":"But to go through what we are going through and still see a positive return is a positive thing, which is good.","start":91.03999,"end":95.939995,"sentiment":"positive","sentiment_score":0.5162555616010319},{"text":"2022.","start":97.03999,"end":98.659996,"sentiment":"neutral","sentiment_score":0.012289918959140778}],"sentiment":"positive","sentiment_score":0.3531277080376943,"channel":0,"num_words":54,"start":80.555,"end":98.659996},{"sentences":[{"text":"Sorry.","start":102.655,"end":102.975,"sentiment":"neutral","sentiment_score":-0.1242542564868927},{"text":"My computer's a little bit slow this afternoon there.","start":102.975,"end":105.635,"sentiment":"neutral","sentiment_score":-0.23828869726922777},{"text":"2022.","start":107.295,"end":108.415,"sentiment":"neutral","sentiment_score":-0.055511780083179474},{"text":"We had a reduction.","start":108.415,"end":109.635,"sentiment":"neutral","sentiment_score":-0.11192737706005573},{"text":"So, yeah, we moved into more of a moderate portfolio around about 2022 there.","start":110.415,"end":115.67,"sentiment":"neutral","sentiment_score":-0.04209860494094236}],"sentiment":"neutral","sentiment_score":-0.11591221687608752,"channel":0,"num_words":29,"start":102.655,"end":115.67},{"sentences":[{"text":"And if I look at the difference between that and what you have in there at the moment, there are still some differences.","start":117.17,"end":124.71,"sentiment":"neutral","sentiment_score":-0.07497303349816281},{"text":"Let me find.","start":128.865,"end":129.925,"sentiment":"neutral","sentiment_score":-0.03350977351268133},{"text":"Let's see.","start":134.785,"end":135.685,"sentiment":"neutral","sentiment_score":-0.024965564720332623},{"text":"Sorry.","start":143.92001,"end":144.40001,"sentiment":"neutral","sentiment_score":-0.1482924520969391},{"text":"My computer's a little bit slow.","start":144.40001,"end":145.92001,"sentiment":"neutral","sentiment_score":-0.22444281230370203}],"sentiment":"neutral","sentiment_score":-0.09627970132444585,"channel":0,"num_words":35,"start":117.17,"end":145.92001},{"sentences":[{"text":"Just trying to pull this report up to really see what you've got in there and have a bit of a look back at your past history with alterations.","start":145.92001,"end":154.38501,"sentiment":"neutral","sentiment_score":0.21098913612036868},{"text":"When I kinda look at everything and everything is going really well, there are a few that are showing a little bit of a dip at the moment, but as a whole, your portfolio is up, which is a positive thing.","start":156.045,"end":165.905,"sentiment":"positive","sentiment_score":0.35014188244211963}],"sentiment":"neutral","sentiment_score":0.2924928875373943,"channel":0,"num_words":70,"start":145.92001,"end":165.905},{"sentences":[{"text":"Yep.","start":166.66501,"end":167.16501,"sentiment":"neutral","sentiment_score":0.3209007680416107}],"sentiment":"neutral","sentiment_score":0.3209007680416107,"channel":1,"num_words":1,"start":166.66501,"end":167.16501},{"sentences":[{"text":"Sort of looking forward at where you are, and I know I can see that you have accessed your super a bit over the past couple of years.","start":167.58,"end":173.18001,"sentiment":"positive","sentiment_score":0.3524807521275112},{"text":"And the last time we were able to catch up was, like, 2024 when we did your annual review then, and you were","start":173.18001,"end":179.04001,"sentiment":"neutral","sentiment_score":0.14306078867419905}],"sentiment":"neutral","sentiment_score":0.2580364548838606,"channel":0,"num_words":51,"start":167.58,"end":179.04001},{"sentences":[{"text":"Yep.","start":179.05,"end":179.55,"sentiment":"neutral","sentiment_score":0.07498209178447723}],"sentiment":"neutral","sentiment_score":0.07498209178447723,"channel":1,"num_words":1,"start":179.05,"end":179.55},{"sentences":[{"text":"looking at selling the investment property back then.","start":179.1,"end":182.125,"sentiment":"neutral","sentiment_score":0.036402733996510506},{"text":"How did you go, and do you","start":182.125,"end":183.56499,"sentiment":"neutral","sentiment_score":0.029131555929780006}],"sentiment":"neutral","sentiment_score":0.03300951756536961,"channel":0,"num_words":15,"start":179.1,"end":183.56499},{"sentences":[{"text":"Yeah.","start":183.545,"end":184.045,"sentiment":"neutral","sentiment_score":0.03953098878264427}],"sentiment":"neutral","sentiment_score":0.03953098878264427,"channel":1,"num_words":1,"start":183.545,"end":184.045},{"sentences":[{"text":"still have that","start":183.56499,"end":184.28499,"sentiment":"neutral","sentiment_score":0.02439465435842673}],"sentiment":"neutral","sentiment_score":0.02439465435842673,"channel":0,"num_words":3,"start":183.56499,"end":184.28499},{"sentences":[{"text":"It","start":184.105,"end":184.505,"sentiment":"neutral","sentiment_score":0.023337338119745255}],"sentiment":"neutral","sentiment_score":0.023337338119745255,"channel":1,"num_words":1,"start":184.105,"end":184.505},{"sentences":[{"text":"with you?","start":184.28499,"end":184.685,"sentiment":"neutral","sentiment_score":0.003253950271755457}],"sentiment":"neutral","sentiment_score":0.003253950271755457,"channel":0,"num_words":2,"start":184.28499,"end":184.685},{"sentences":[{"text":"was","start":184.505,"end":184.665,"sentiment":"neutral","sentiment_score":-0.007992557249963284}],"sentiment":"neutral","sentiment_score":-0.007992557249963284,"channel":1,"num_words":1,"start":184.505,"end":184.665},{"sentences":[{"text":"And","start":184.685,"end":184.92499,"sentiment":"neutral","sentiment_score":-0.03305491805076599}],"sentiment":"neutral","sentiment_score":-0.03305491805076599,"channel":0,"num_words":1,"start":184.685,"end":184.92499},{"sentences":[{"text":"wasn't","start":184.745,"end":185.025,"sentiment":"neutral","sentiment_score":-0.03442561626434326}],"sentiment":"neutral","sentiment_score":-0.03442561626434326,"channel":1,"num_words":1,"start":184.745,"end":185.025},{"sentences":[{"text":"how's","start":184.92499,"end":185.245,"sentiment":"neutral","sentiment_score":-0.04596555233001709}],"sentiment":"neutral","sentiment_score":-0.04596555233001709,"channel":0,"num_words":1,"start":184.92499,"end":185.245},{"sentences":[{"text":"it","start":185.025,"end":185.30501,"sentiment":"neutral","sentiment_score":-0.02562298998236656}],"sentiment":"neutral","sentiment_score":-0.02562298998236656,"channel":1,"num_words":1,"start":185.025,"end":185.30501},{"sentences":[{"text":"things?","start":185.245,"end":185.745,"sentiment":"neutral","sentiment_score":-0.028647860512137413}],"sentiment":"neutral","sentiment_score":-0.028647860512137413,"channel":0,"num_words":1,"start":185.245,"end":185.745},{"sentences":[{"text":"it it was it was an inheritance.","start":185.785,"end":187.965,"sentiment":"neutral","sentiment_score":-0.04958959136690412},{"text":"Yeah.","start":188.025,"end":188.265,"sentiment":"neutral","sentiment_score":-0.022007469087839127},{"text":"I sold that.","start":188.265,"end":189.245,"sentiment":"neutral","sentiment_score":-0.05570598319172859}],"sentiment":"neutral","sentiment_score":-0.0487502325664867,"channel":1,"num_words":11,"start":185.785,"end":189.245},{"sentences":[{"text":"Yeah.","start":189.165,"end":189.48499,"sentiment":"neutral","sentiment_score":-0.016856728121638298},{"text":"You did sell that, so that's gone 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okay.","start":192.93001,"end":193.73001,"sentiment":"neutral","sentiment_score":0.059538718312978745},{"text":"When did you end up selling it?","start":193.73001,"end":195.35,"sentiment":"neutral","sentiment_score":-0.04671233253819602}],"sentiment":"neutral","sentiment_score":-0.023100987904601626,"channel":0,"num_words":9,"start":192.93001,"end":195.35},{"sentences":[{"text":"I don't know about I think about eighteen months ago or so now.","start":198.67,"end":202.68999,"sentiment":"neutral","sentiment_score":-0.07179985739863835}],"sentiment":"neutral","sentiment_score":-0.07179985739863835,"channel":1,"num_words":13,"start":198.67,"end":202.68999},{"sentences":[{"text":"Okay.","start":202.85,"end":203.33,"sentiment":"neutral","sentiment_score":0.1274007111787796},{"text":"Perfect.","start":203.33,"end":203.83,"sentiment":"neutral","sentiment_score":0.3153967261314392},{"text":"And do you still have some of the funds left over from that?","start":203.89,"end":207.01001,"sentiment":"neutral","sentiment_score":0.06446517086946048},{"text":"Or","start":207.01001,"end":207.51001,"sentiment":"neutral","sentiment_score":0.030782580375671387}],"sentiment":"neutral","sentiment_score":0.08197670243680477,"channel":0,"num_words":16,"start":202.85,"end":207.51001},{"sentences":[{"text":"Yeah.","start":207.87,"end":208.26999,"sentiment":"neutral","sentiment_score":0.05358836427330971},{"text":"Yeah.","start":208.26999,"end":208.59,"sentiment":"neutral","sentiment_score":0.11333271116018297},{"text":"I've got a I've I've paid off the place that I live in, and 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there anything else that you would want noted or anything else that we","start":936.765,"end":941.72504,"sentiment":"neutral","sentiment_score":0.03435132863620917}],"sentiment":"neutral","sentiment_score":0.03435132863620917,"channel":0,"num_words":15,"start":936.765,"end":941.72504},{"sentences":[{"text":"No.","start":941.505,"end":942.005,"sentiment":"neutral","sentiment_score":-0.03192967176437378}],"sentiment":"neutral","sentiment_score":-0.03192967176437378,"channel":1,"num_words":1,"start":941.505,"end":942.005},{"sentences":[{"text":"maybe maybe need to note down 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how your portfolio is going, see how the market is going.","start":1596.35,"end":1600.83,"sentiment":"neutral","sentiment_score":0.06931251875664059},{"text":"And then when we need to maybe update some advice, we can do that with you.","start":1600.83,"end":1605.07,"sentiment":"neutral","sentiment_score":0.06429764674976468},{"text":"Okay?","start":1605.07,"end":1605.57,"sentiment":"neutral","sentiment_score":0.04004178196191788}],"sentiment":"neutral","sentiment_score":0.066270610731509,"channel":0,"num_words":36,"start":1596.35,"end":1605.57},{"sentences":[{"text":"Yep.","start":1607.45,"end":1607.69,"sentiment":"neutral","sentiment_score":0.04620540887117386},{"text":"No","start":1607.69,"end":1607.9299,"sentiment":"neutral","sentiment_score":0.02511606737971306}],"sentiment":"neutral","sentiment_score":0.03566073812544346,"channel":1,"num_words":2,"start":1607.45,"end":1607.9299},{"sentences":[{"text":"I've","start":1607.705,"end":1608.0249,"sentiment":"neutral","sentiment_score":-0.016681410372257233}],"sentiment":"neutral","sentiment_score":-0.016681410372257233,"channel":0,"num_words":1,"start":1607.705,"end":1608.0249},{"sentences":[{"text":"worries.","start":1607.9299,"end":1608.4299,"sentiment":"neutral","sentiment_score":-0.032617900520563126}],"sentiment":"neutral","sentiment_score":-0.032617900520563126,"channel":1,"num_words":1,"start":1607.9299,"end":1608.4299},{"sentences":[{"text":"got 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do you think you'd be willing to work a little bit longer before accessing accessing some of that super, or do you think you'd be more inclined to just retire anyway?","start":1739.965,"end":1754.26,"sentiment":"neutral","sentiment_score":-0.09012254137944962},{"text":"How do you think you might feel?","start":1754.26,"end":1755.64,"sentiment":"neutral","sentiment_score":-0.07305901604039329}],"sentiment":"neutral","sentiment_score":-0.05902622683824581,"channel":0,"num_words":81,"start":1734.4401,"end":1755.64},{"sentences":[{"text":"Well, if if my health is alright, I'd probably just keep 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right?","start":1789.23,"end":1790.13,"sentiment":"neutral","sentiment_score":0.026169924686352413}],"sentiment":"neutral","sentiment_score":0.05197215446663138,"channel":0,"num_words":38,"start":1776.9349,"end":1790.13},{"sentences":[{"text":"Yeah.","start":1790.72,"end":1791.12,"sentiment":"neutral","sentiment_score":0.04777207598090172},{"text":"Yeah.","start":1791.12,"end":1791.62,"sentiment":"neutral","sentiment_score":0.09192673861980438}],"sentiment":"neutral","sentiment_score":0.06984940730035305,"channel":1,"num_words":2,"start":1790.72,"end":1791.62},{"sentences":[{"text":"Yes.","start":1791.87,"end":1792.2699,"sentiment":"neutral","sentiment_score":0.2277982234954834},{"text":"Beautiful.","start":1792.2699,"end":1792.7699,"sentiment":"positive","sentiment_score":0.5890976190567017},{"text":"Lovely.","start":1793.07,"end":1793.57,"sentiment":"positive","sentiment_score":0.5316048264503479},{"text":"Now having a look at this one here, you've actually scored there as a growth invest and growth investor.","start":1794.375,"end":1800.0751,"sentiment":"neutral","sentiment_score":0.11702254140063335},{"text":"With where you are, that was the sort of portfolio you were in originally.","start":1800.855,"end":1804.475,"sentiment":"neutral","sentiment_score":0.03810977776135717}],"sentiment":"neutral","sentiment_score":0.11404071789648798,"channel":0,"num_words":36,"start":1791.87,"end":1804.475},{"sentences":[{"text":"I'm having a look at your file here.","start":1804.615,"end":1806.715,"sentiment":"neutral","sentiment_score":0.033079058630391955},{"text":"It kind of looks like we did provide a record of advice back in 2022 to move you into something a little bit more conservative, more of a moderate portfolio.","start":1806.855,"end":1815.18,"sentiment":"neutral","sentiment_score":0.014382679760456086},{"text":"I'm just trying to find the asset allocation there for this 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later.","start":2241.11,"end":2241.75,"sentiment":"positive","sentiment_score":0.5233673453330994},{"text":"Bye.","start":2241.75,"end":2242.25,"sentiment":"neutral","sentiment_score":0.23068857192993164}],"sentiment":"positive","sentiment_score":0.5740808049837748,"channel":0,"num_words":9,"start":2239.9102,"end":2242.25},{"sentences":[{"text":"Bye.","start":2242.515,"end":2243.015,"sentiment":"neutral","sentiment_score":-0.10393117368221284}],"sentiment":"neutral","sentiment_score":-0.10393117368221284,"channel":1,"num_words":1,"start":2242.515,"end":2243.015}]},"summary":{"result":"success","short":"The speakers discuss the positive return on a portfolio with Donna and the possibility of selling the investment property. They also discuss the customer's financial situation, including savings and retirement plans, and emphasize the importance of monitoring their financial situation for future reference. The agent provides information on the customer's property value and risk profile, as well as potential investment platforms. They also discuss the importance of maintaining a moderate portfolio and working harder for returns while reassessing asset allocation. The adviser offers advice on accessing the super and selling property, and provides information on the annual review pack and annual review pack."},"intents":{"segments":[{"text":"So I do actually have a report here in front of me to give you an idea of that. Now the report I'm looking at here with regard to your super is from the last twelve months. So whilst the markets are a bit volatile there and we are seeing those ups and downs, the net return your portfolio has seen is still a positive 11.6%. That's net return after fees. 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Or Yeah.","start_word":562,"end_word":576,"intents":[{"intent":"Update funds","confidence_score":0.016118161}]},{"text":"At this at Yep. this point in time, Yep. because my next thing I wanna do is I probably wanna sell this unit within the next six months, and I wanna move out to the bush. Okay.","start_word":664,"end_word":700,"intents":[{"intent":"Sell unit","confidence_score":0.45791876}]},{"text":"So I'll probably use that money, like, might get used up in with that. Yeah.","start_word":702,"end_word":716,"intents":[{"intent":"Use money","confidence_score":0.66045475}]},{"text":"Now moving forward because at the moment, the last thing we sort of had noted here was that you're not working. You're still not technically working. Are you receiving any government benefits No.","start_word":811,"end_word":843,"intents":[{"intent":"Monitor financial status","confidence_score":0.00016375865}]},{"text":"I'm I'm quite comfortable now. I mean, when I did draw down on it, I was in a bit of a bad place financially.","start_word":1208,"end_word":1231,"intents":[{"intent":"Review financial situation","confidence_score":0.025707502}]},{"text":"We'll be contacting you to make sure that we're updating your circumstances a Yeah.","start_word":1485,"end_word":1498,"intents":[{"intent":"Update circumstances","confidence_score":0.3890459}]},{"text":"thing I have here is your balance, which is a really great question. As of the 03/23/2026, your balance inside Superdair is 152,314 and 31<unk>.","start_word":1530,"end_word":1554,"intents":[{"intent":"Track balance","confidence_score":0.002409286}]},{"text":"would just like to maybe do a bit of a risk profile to sort of see whether we're gonna make any changes to your portfolio for you or whether you're sort of comfortable going through those ups and downs. Are you sort of thinking you probably don't wanna access super maybe until Yeah.","start_word":1693,"end_word":1745,"intents":[{"intent":"Identify risk profile","confidence_score":0.0101545025}]},{"text":"Now I'm just also sending you through an annual review pack, which will be in your email at the end of the call there as well, Nigel.","start_word":2138,"end_word":2164,"intents":[{"intent":"Provide review pack","confidence_score":0.056627207}]},{"text":"Essentially, having a look through that, it'll give you a bit more of an idea about who we are, what we do, how we do things. And it's just really important that this year moving forward because you are so close and in those ages where you're able to access Super that we do monitor things a bit more closely for you, Yep.","start_word":2272,"end_word":2334,"intents":[{"intent":"Monitor things","confidence_score":0.047022253}]},{"text":"I do wanna, as I mentioned, do a bit of a risk profile with you as well today because it's important to sort of have a look and see whether we're gonna make any changes to your portfolio. I know you would have received a record of advice in an email a few days ago. Do you remember receiving anything, noting we were making some changes to your portfolio there at all?","start_word":2348,"end_word":2419,"intents":[{"intent":"Check portfolio","confidence_score":0.07035107}]},{"text":"One of your previous underlying investments was Ben along Australian Equities. It has been over the past couple of months underperforming. So we have made some changes and have made a decision as a business to remove that investment. So it has been removed out of your portfolio.","start_word":2447,"end_word":2494,"intents":[{"intent":"Remove investment from portfolio","confidence_score":0.048284415}]},{"text":"So but if you do see that, feel free to have a read through it. Let me know if you have any questions in relation to it, but that those investments have been changed out of there.","start_word":2527,"end_word":2563,"intents":[{"intent":"Update investments","confidence_score":0.018040132}]},{"text":"The idea of the a 200 is that you're invested and you're tracking the top 200 companies on the ASX instead of having Yes. an investment manager trying to outperform the market. When we look at passive versus active management, tracking an index, and just participating in the market even through the ups and downs, over the longer term, you do tend to come out in front and, like, been Yeah.","start_word":2618,"end_word":2688,"intents":[{"intent":"Track companies","confidence_score":0.24234477}]},{"text":"a flick and remove them from your fund for you. Okay? Yep. Cool.","start_word":2723,"end_word":2735,"intents":[{"intent":"Remove funds","confidence_score":0.34418625}]},{"text":"Now just to run through a few more other details for you with your main primary residence there, what sort of value do you think you put on the property there at the moment? Probably around the 800 mark.","start_word":2779,"end_word":2817,"intents":[{"intent":"Understand value","confidence_score":0.0013943533}]},{"text":"one one solves five months ago here for for 740.","start_word":2840,"end_word":2849,"intents":[{"intent":"Identify potential problems","confidence_score":0.000040006453}]},{"text":"It seems to be going up. And I'm having a look around the area. Yeah.","start_word":2876,"end_word":2890,"intents":[{"intent":"Look around area","confidence_score":0.0043714903}]},{"text":"I had a value on that one of about, sorry, 15,000. Would that still be roughly the same? Yeah.","start_word":2946,"end_word":2964,"intents":[{"intent":"Inquire about property value","confidence_score":0.00125956}]},{"text":"I had a value on that one of about, sorry, 15,000. Would that still be roughly the same? Yeah. Or Yeah.","start_word":2946,"end_word":2966,"intents":[{"intent":"Confirm value","confidence_score":0.0121808},{"intent":"Inquire about value","confidence_score":0.008016092}]},{"text":"Another thing to take into account, a lot of people don't think about it, is their contents. Do you have contents insurance?","start_word":3032,"end_word":3053,"intents":[{"intent":"Inquire about contents","confidence_score":0.07995957}]},{"text":"And do you have any, like, tools or and anything of value you might keep in your shed? Yeah.","start_word":3266,"end_word":3284,"intents":[{"intent":"Inquire about tool needs","confidence_score":0.00005070751}]},{"text":"I've probably got I've probably got 5 or $6,000 worth of tools. Yep. Perfect.","start_word":3285,"end_word":3298,"intents":[{"intent":"Confirm cost of tools","confidence_score":0.00012706312}]},{"text":"And have you ever considered have you got a will or a power of attorney in place, or have you considered having those drawn up in the past at all?","start_word":3355,"end_word":3384,"intents":[{"intent":"Inquire about will or power of attorney","confidence_score":0.16853143}]},{"text":"I'm just also having a quick look at your beneficiaries as well because it's really important that they be updated on your portfolio here. Have they asked you anything about the beneficiaries on your super at all? Or I think they did once before, Mhmm. but I I don't know if I did anything about it. Yep. No.","start_word":3455,"end_word":3512,"intents":[{"intent":"Inquire about beneficiaries","confidence_score":0.11262342}]},{"text":"But if anything was to happen, with not having a beneficiary nomination on file, your super fund has essentially go through a bit of a probate, which means that they have Yep. to go out there and see if you've got any family members.","start_word":3568,"end_word":3611,"intents":[{"intent":"Confirm interest in probate","confidence_score":0.00019116225}]},{"text":"as part of the estate planning for your will, has your solicitor asked you questions about what you want to happen to the, you know, to your super or what you want to happen to your estate?","start_word":3721,"end_word":3757,"intents":[{"intent":"Share estate plans","confidence_score":0.012188542}]},{"text":"It's probably one of the most honest and probably one of the nicest things I've heard when it comes to the estate planning side of things. So that's really lovely. Yeah.","start_word":3955,"end_word":3985,"intents":[{"intent":"Confirm estate planning","confidence_score":0.003499269}]},{"text":"So when it comes down to your super, with not having any direct beneficiaries, and they do have a bit of laws and legislation around who can receive your super.","start_word":4048,"end_word":4077,"intents":[{"intent":"Understand super law","confidence_score":0.0008916769}]},{"text":"The other option is we can always nominate your legal personal representative, which means that in the event of your passing, your super is paid with your to your estate and then gets divided up with your will. Does that sound like something that's more probably better Yeah.","start_word":4150,"end_word":4197,"intents":[{"intent":"Suggest legal representative","confidence_score":0.0005416741}]},{"text":"Are you comfortable with if you like, we can do is we can resend out with some beneficiary nominations to us. Would you like us to pre fill the beneficiary section, take the legal personal representative for you to make it a bit easier? Yeah.","start_word":4214,"end_word":4258,"intents":[{"intent":"Resend beneficiary nominations","confidence_score":0.15636852}]},{"text":"And you're comfortable is it maybe a 100% to your estate? Does that sound right? And are you comfortable with us pre filling that for Yeah. Yeah. you?","start_word":4264,"end_word":4291,"intents":[{"intent":"Confirm trust in pre-filling residences","confidence_score":0.000007704677}]},{"text":"Just need to make sure we get some directions and that we do and when we are pre filling these homes because they are legal forms that we have, you know, correct instructions from you so that we're doing the right thing.","start_word":4295,"end_word":4336,"intents":[{"intent":"Assist with legal forms","confidence_score":0.0014396257}]},{"text":"It is really important that we do have someone that we can contact if we were unable to get a hold of you as a bit of a next of kin. Would there be anyone that you would want noted?","start_word":4405,"end_word":4444,"intents":[{"intent":"Confirm ability to contact someone","confidence_score":0.0000016602268}]},{"text":"You just enjoy your own company, kinda fairly secluded, Yeah.","start_word":4475,"end_word":4484,"intents":[{"intent":"Identify self","confidence_score":0.010422882},{"intent":"Identify oneself","confidence_score":0.0019618755}]},{"text":"Now what sort of you mentioned you're doing some casual work. What kind of work are you doing casually? What do you normally do by trade?","start_word":4515,"end_word":4540,"intents":[{"intent":"Ask about casual work","confidence_score":0.028652748}]},{"text":"Now what sort of you mentioned you're doing some casual work. What kind of work are you doing casually? What do you normally do by trade? I'm a form worker by trade, but I I just do little concreting jobs and just all sorts Perfect.","start_word":4515,"end_word":4559,"intents":[{"intent":"Offer casual work","confidence_score":0.00090188225}]},{"text":"And health wise, has there been any major changes? Is everything still fairly much as it was, or have you had any major changes in your health? No.","start_word":4648,"end_word":4675,"intents":[{"intent":"Inquire about health","confidence_score":0.034207165}]},{"text":"Beautiful.","start_word":4680,"end_word":4680,"intents":[{"intent":"Express gratitude","confidence_score":0.12441188}]},{"text":"And then when we need to maybe update some advice, we can do that with you. Okay?","start_word":5049,"end_word":5065,"intents":[{"intent":"Update advice and advice","confidence_score":0.0005644551}]},{"text":"So I just wanna make sure that we're that you understand, but that I also know exactly what portfolio you're in because I don't want you to be taking on too much risk in the market.","start_word":5783,"end_word":5818,"intents":[{"intent":"Understand portfolio","confidence_score":0.44131333},{"intent":"Understand portfolio details","confidence_score":0.0042868964},{"intent":"Understand portfolio's impact","confidence_score":0.000036717214},{"intent":"Understand portfolio's value","confidence_score":0.035326123},{"intent":"Explore portfolio options","confidence_score":0.006217598},{"intent":"Discuss portfolio details","confidence_score":0.0015371416}]},{"text":"So I just wanna make sure that we're that you understand, but that I also know exactly what portfolio you're in because I don't want you to be taking on too much risk in the market. But we also wanna make sure that your portfolio is working, that you are getting returns because without contributions, that's essentially the most important thing is that your portfolio is working harder for you.","start_word":5783,"end_word":5852,"intents":[{"intent":"Discuss portfolio advantages","confidence_score":0.0006949674},{"intent":"Clarify portfolio structure","confidence_score":0.0066018817}]},{"text":"I wouldn't be inclined to make any major changes now, but I would like to maybe make a catch up for the next few months to sort of see how things are going and see whether we're gonna make any changes down the track there or what, you know, what's happening in your life just to Yeah.","start_word":6500,"end_word":6556,"intents":[{"intent":"Keep up","confidence_score":0.017300433},{"intent":"Check progress","confidence_score":0.2176595},{"intent":"Investigate situation","confidence_score":0.00024889453}]},{"text":"Just to keep a bit more of a closer eye on things for you. And then when things are changing, when you decide you need to access money, you have that call, you've got me there. You can go, hey. I think I need something, and we can talk about what you need to do then. Okay? No worries.","start_word":6637,"end_word":6695,"intents":[{"intent":"Discuss money access","confidence_score":0.108773336}]},{"text":"Now as I did mentioned, I did send a annual review pack to you. I'm sorry.","start_word":6698,"end_word":6713,"intents":[{"intent":"Submit review pack","confidence_score":0.0023759059}]},{"text":"Do you have any Yep. questions Yep. about the ongoing service fee, about our services, or anything I've kinda gone with you today through with you today? No.","start_word":6813,"end_word":6840,"intents":[{"intent":"Ask questions","confidence_score":0.10166183},{"intent":"Ask questions","confidence_score":0.048054338}]},{"text":"That's alright. No? Beautiful.","start_word":6842,"end_word":6845,"intents":[{"intent":"Confirm understanding","confidence_score":0.0014271368}]}]},"sentiments":{"segments":[{"text":"Hi, Nigel. It's Dana. How are you this afternoon? Hi, Donna. How are you? Sorry about that. That's okay. I It's missed not the a call earlier. yeah. No. It's not a problem at all. That's why we tend to call twice and then send a text message just so you know it is us because life life gets in the way. It's completely understandable. I Yep. had to put in easy. I had to put in negotiate and review there. As part of today's call, is there anything particular that you wanted to maybe touch base on or talk about, or is there any questions that you have for me specifically? Not really. Just oh, the only one I was just wondering is how is it going with the the the global situation that's going on? Yeah. Absolutely. So I do actually have a report here in front of me to give you an idea of that. Now the report I'm looking at here with regard to your super is from the last twelve months. So whilst the markets are a bit volatile there and we are seeing those ups and downs, the net return your portfolio has seen is still a positive 11.6%. That's net return after fees. Yeah. Right. Yep. No. That's Yeah.","start_word":0,"end_word":215,"sentiment":"neutral","sentiment_score":0.0858483538031578},{"text":"pretty So it's still seeing a positive return, which is really good. There are some investments.","start_word":216,"end_word":231,"sentiment":"positive","sentiment_score":0.5277150869369507},{"text":"I'm just having a look at what you've got in there underlying. Yeah. No. Look.","start_word":232,"end_word":246,"sentiment":"neutral","sentiment_score":0.22593222558498385},{"text":"Everything is doing quite well.","start_word":247,"end_word":251,"sentiment":"positive","sentiment_score":0.4217097759246826},{"text":"So just have me look at your what portfolio you're in as well because I believe there might have been some changes in the past.","start_word":252,"end_word":276,"sentiment":"neutral","sentiment_score":0.20500215888023376},{"text":"But to go through what we are going through and still see a positive return is a positive thing, which is good.","start_word":277,"end_word":298,"sentiment":"positive","sentiment_score":0.5214414596557617},{"text":"2022. Sorry. My computer's a little bit slow this afternoon there. 2022. We had a reduction. So, yeah, we moved into more of a moderate portfolio around about 2022 there. And if I look at the difference between that and what you have in there at the moment, there are still some differences. Let me find. Let's see. Sorry. My computer's a little bit slow. Just trying to pull this report up to really see what you've got in there and have a bit of a look back at your past history with alterations.","start_word":299,"end_word":392,"sentiment":"neutral","sentiment_score":-0.009842312240854224},{"text":"When I kinda look at everything and everything is going really well, there are a few that are showing a little bit of a dip at the moment, but as a whole, your portfolio is up, which is a positive thing.","start_word":393,"end_word":433,"sentiment":"positive","sentiment_score":0.36078497767448425},{"text":"Yep.","start_word":434,"end_word":434,"sentiment":"neutral","sentiment_score":0.3209007680416107},{"text":"Sort of looking forward at where you are, and I know I can see that you have accessed your super a bit over the past couple of years.","start_word":435,"end_word":462,"sentiment":"positive","sentiment_score":0.35368189215660095},{"text":"And the last time we were able to catch up was, like, 2024 when we did your annual review then, and you were Yep. looking at selling the investment property back then. How did you go, and do you Yeah. still have that It with you? was And wasn't how's it things? it it was it was an inheritance. Yeah. I sold that. Yeah. You did sell that, so that's gone now? Yeah. Yep. Yeah. That's okay. When did you end up selling it? I don't know about I think about eighteen months ago or so now. Okay. Perfect. And do you still have some of the funds left over from that? Or Yeah. Yeah. I've got a I've I've paid off the place that I live in, and and yep. I've got some money in the bank just to Perfect. have some not a real lot, but just just enough to have some peace of mind. Yeah. No. That's okay. How much do you have in the bank there at the moment savings wise? About 100,000. Okay.","start_word":463,"end_word":640,"sentiment":"neutral","sentiment_score":0.07620544731616974},{"text":"Perfect. And you're happy just leaving it sitting in that account at the moment that you can access when you need to?","start_word":641,"end_word":662,"sentiment":"positive","sentiment_score":0.43605783581733704},{"text":"Yeah. At this at Yep. this point in time, Yep. because my next thing I wanna do is I probably wanna sell this unit within the next six months, and I wanna move out to the bush. Okay.","start_word":663,"end_word":700,"sentiment":"neutral","sentiment_score":0.038812533020973206},{"text":"Perfect.","start_word":701,"end_word":701,"sentiment":"positive","sentiment_score":0.4732658863067627},{"text":"So I'll probably use that money, like, might get used up in with that. Yeah. So I haven't put it. So I've just got it in a in an account, like, a I can't remember what it's called now, but a a high interest bearing account, but it's not locked up. Yeah. Okay. A No worries. monthly It's not compounding a term deposit one. Yeah. or anything. Yeah. No. Not That's a term okay. not a term deposit, but but it gets a fairly good good Yep. return as well. The best you can get sort of for for For for cash. that. Yeah. Yeah. Understandable.","start_word":702,"end_word":807,"sentiment":"neutral","sentiment_score":0.07253847622646475},{"text":"Absolutely. All good.","start_word":808,"end_word":810,"sentiment":"positive","sentiment_score":0.4564436078071594},{"text":"Now moving forward because at the moment, the last thing we sort of had noted here was that you're not working. You're still not technically working. Are you receiving any government benefits No. I do a little bit. at all? Okay. I just do a little bit of casual work, enough to keep Yep.","start_word":811,"end_word":864,"sentiment":"neutral","sentiment_score":-0.056518133729696274},{"text":"Perfect.","start_word":865,"end_word":865,"sentiment":"positive","sentiment_score":0.4708715081214905},{"text":"Casual work. me And they're not paying any contributions into your super or anything for going. that casual work you're doing, out there? Because I can't see any going in. No. No. I just do it's mainly ABN little just just little one off things here and there. Okay. So I'm not not putting anything into it at the moment. Okay. No. That's okay. A bit of that here and there. And how much are you sort of averaging you make when you do some of that work? Oh, it varies. I suppose I make Depending about on the twenty hours. $20.20 or $30 a year or something. Okay. Perfect. 30,000 a year.","start_word":866,"end_word":978,"sentiment":"neutral","sentiment_score":-0.0105280177667737},{"text":"Lovely.","start_word":979,"end_word":979,"sentiment":"positive","sentiment_score":0.3544262647628784},{"text":"And how long do you think you'll continue kinda wanting to do that for? Oh, I don't know. I I think I got a few years left in me yet. Yeah. That's okay. Not a problem at all. The main sort of reason I'm asking that question is because of your age where you are at the moment and with working casually, essentially, on and off, if you were to stop working completely, you can access your super. Notably, your balance Yeah. isn't probably as high as what we would like it to be to be able to do that, but you Yeah. do have Yep. access to that. And there are things advice I can put in in place for you to help you be able to draw down a little bit of income if you happen to need it. When you get close to the age pension age, I'd definitely like to look at whether you're eligible for that and how much you might get from that and maybe supplement super with that if you're if Yep. you're able to do so just to kind of make sure we're getting longevity there. But do you sort of need to access any funds at the moment with a 100,000 sitting No. aside and, No. like, at No. casual I've work, got you're yeah. kinda comfortable? Yep. Yeah. I'm I'm quite comfortable now. I mean, when I did draw down on it, I was in a bit of a bad place financially. Yeah. I had a had a couple of blunders, and and I had yeah. And I'm sorry. and things weren't going real good. But but, yeah, Yeah. I'm in a much better place now. So, yeah, I don't intend on drawing down on it, you know, Okay. anytime soon. Yeah. No. That's really good.","start_word":980,"end_word":1285,"sentiment":"neutral","sentiment_score":0.04404495624837532},{"text":"Thank you for updating that. I do appreciate it.","start_word":1286,"end_word":1294,"sentiment":"positive","sentiment_score":0.5928723812103271},{"text":"And, look, if you ever do need to, let me know. I know in the past we've had to do transactions without advice and things like that. But if you are at a point where you maybe wanna start drawing down a bit of an income or looking at updating things that way, let me know.","start_word":1295,"end_word":1350,"sentiment":"neutral","sentiment_score":0.07774463295936584},{"text":"I'm happy to have a chat about where you are, what your options are, and what we can do to help.","start_word":1351,"end_word":1371,"sentiment":"positive","sentiment_score":0.4364999532699585},{"text":"Yeah. Having a bit of a look at the way things are at the moment, there might not be a need to do or update the advice just yet, but I'd like to definitely, after the review today, maybe do a catch up in a few months' time with you just to see where things are up to, see where things are Yep. changing, and Yep. just maybe keep a little bit more close an eye on where things are up to for you so we can Yep. kind of, note when changes need to occur or when advice needs to occur. But it also means that you don't have to contact us. We'll be contacting you to make sure that we're updating your circumstances a Yeah. bit more Yep. regularly for you. Does that sound okay? Yep.","start_word":1372,"end_word":1509,"sentiment":"neutral","sentiment_score":0.12263996807345444},{"text":"That sounds great.","start_word":1510,"end_word":1512,"sentiment":"positive","sentiment_score":0.602645754814148},{"text":"Yep. How much is actually Perfect. in it? And you're at the moment, so the next Yeah. thing I have here is your balance, which is a really great question. As of the 03/23/2026, your balance inside Superdair is 152,314 and 31<unk>. Yep. Yeah. So it is definitely up from where it was. The dollar figure, I said it was 11% return or 11.06% sorry. 11.06% return as a net. As a dollar figure, it equates about a $15,000.348 return. So you've made Yeah. Right. out of your super $15,348 with that 11 Yep. percent return. It does sound quite small, but because there is no contributions going in, it's solely just that Yeah. the portfolio It's not gonna can make do. much. Yeah. Yeah. Yeah. So, like, it's doing well. It is still ticking over. It has still made a really good solid return there. However, we are gonna see a bit more volatility in the market over the next couple Yeah. of months Yeah. with what's happening, so we will see those fluctuations coming and going. I Yep. would just like to maybe do a bit of a risk profile to sort of see whether we're gonna make any changes to your portfolio for you or whether you're sort of comfortable going through those ups and downs. Are you sort of thinking you probably don't wanna access super maybe until Yeah. Probably probably, I reckon I'd like to try and keep going till I'm 67. 6767. Beautiful. I'm so sorry. My phone is just freezing, and my computer is a little bit slow this afternoon. So if if I cut No it out worries. at all, please let me know. Gotta That's love okay. technology when it wants to work there, Yeah. doesn't It's it? great.","start_word":1513,"end_word":1812,"sentiment":"neutral","sentiment_score":0.037049517035484314},{"text":"Yeah. All good.","start_word":1811,"end_word":1813,"sentiment":"positive","sentiment_score":0.5295572280883789},{"text":"My computer is really having a moment. I'm trying to go to the next document for you.","start_word":1814,"end_word":1830,"sentiment":"neutral","sentiment_score":0.18396317958831787},{"text":"All good. So I'll work on the age of 67 there, which is fantastic.","start_word":1831,"end_word":1844,"sentiment":"positive","sentiment_score":0.4890279769897461},{"text":"And you're sort of living on about that sort of 20 to 30,000 as well that you're earning casually over the course of the year. Are you finding you need to sort of draw down on that money you have sitting in the bank very often to help you along, or No. is the casual work sufficient for what you have? It's it's the casual work's alright for what I've got. I I don't draw Yep. down on it at all. Okay.","start_word":1845,"end_word":1926,"sentiment":"neutral","sentiment_score":0.07365875691175461},{"text":"Fantastic. So your living expenses are fairly low at the moment, which is good.","start_word":1927,"end_word":1940,"sentiment":"positive","sentiment_score":0.4615005552768707},{"text":"Yeah. Yeah.","start_word":1941,"end_word":1942,"sentiment":"neutral","sentiment_score":0.2693347632884979},{"text":"Beautiful.","start_word":1943,"end_word":1943,"sentiment":"positive","sentiment_score":0.5657490491867065},{"text":"And your main primary residence, you mentioned you were selling the unit. You're living in the unit now. That's your main primary residence. Is that right? Yeah. Yeah. Yeah. And what's the time frame do you have before you're sort of hoping to sell that one? Probably I'm thinking more towards the end of the year. Yep. Okay. Perfect. And move to the bush. Have you got an idea? I've been looking at where you'd like to move to and I've been looking what I've sort been of looking property at you're a few after. spots. Yeah. Yeah. Beautiful. Then sort of Northern Rivers area. Oh, nice. Whereabouts down there? Cuyahoga. Oh, beautiful. Yep. That's Great my neck spot. of the Is it? woods. Yeah. Yeah. So I was born and bred in Murwillumbah, and I live at Tweed. So that's the Northern Okay. New South Cool. Wales. Northern Yeah. Rivers is my neck of the woods. Yeah. Yeah.","start_word":1944,"end_word":2102,"sentiment":"neutral","sentiment_score":0.06751759350299835},{"text":"I love I love it down through there.","start_word":2103,"end_word":2110,"sentiment":"positive","sentiment_score":0.5881621241569519},{"text":"Yeah.","start_word":2111,"end_word":2111,"sentiment":"neutral","sentiment_score":0.33099400997161865},{"text":"It is really nice, isn't it? It's nice and quiet. It's lovely town.","start_word":2112,"end_word":2124,"sentiment":"positive","sentiment_score":0.47186702489852905},{"text":"Yep.","start_word":2125,"end_word":2125,"sentiment":"neutral","sentiment_score":0.2843570113182068},{"text":"It's beautiful.","start_word":2126,"end_word":2127,"sentiment":"positive","sentiment_score":0.4836385250091553},{"text":"Yeah. Yeah.","start_word":2128,"end_word":2129,"sentiment":"neutral","sentiment_score":0.2120828628540039},{"text":"Oh, fantastic. Fantastic.","start_word":2130,"end_word":2132,"sentiment":"positive","sentiment_score":0.4016680419445038},{"text":"Sorry. I'm just looking.","start_word":2133,"end_word":2136,"sentiment":"neutral","sentiment_score":-0.014454247429966928},{"text":"Now I'm just also sending you through an annual review pack, which will be in your email at the end of the call there as well, Nigel. It does take you through, obviously, the reports that we have showing that 11% return that you have received for the year. It also gives you a summary of your balance.","start_word":2137,"end_word":2194,"sentiment":"positive","sentiment_score":0.4377183020114898},{"text":"It also has the financial services guide attached as well, which takes you through everything about who we are, what we do, and how we do it. It has Yeah. all of my licensing information in there for you as well. I know we have submitted in the past. I have done any reviews for you. My voice probably sounds a bit different today than it has in the past.","start_word":2195,"end_word":2264,"sentiment":"neutral","sentiment_score":0.09233331680297852},{"text":"I do apologize about that.","start_word":2265,"end_word":2269,"sentiment":"negative","sentiment_score":-0.3961511552333832},{"text":"That's alright. Essentially, having a look through that, it'll give you a bit more of an idea about who we are, what we do, how we do things.","start_word":2270,"end_word":2297,"sentiment":"neutral","sentiment_score":0.2546154260635376},{"text":"And it's just really important that this year moving forward because you are so close and in those ages where you're able to access Super that we do monitor things a bit more closely for you, Yep.","start_word":2298,"end_word":2334,"sentiment":"positive","sentiment_score":0.33777445554733276},{"text":"Yep. and that when the time comes that we're able to access it. I do wanna, as I mentioned, do a bit of a risk profile with you as well today because it's important to sort of have a look and see whether we're gonna make any changes to your portfolio. I know you would have received a record of advice in an email a few days ago. Do you remember receiving anything, noting we were making some changes to your portfolio there at all? I I there's there's probably one in there. I haven't looked at it. No. That's okay. One Haven't of haven't your previous checked them. Yeah. that's okay. One of your previous underlying investments was Ben along Australian Equities. It has been over the past couple of months underperforming. So we have made some changes and have made a decision as a business to remove that investment. So it has been removed out of your portfolio. You'll probably see in your email there a bit of a what's called a record of advice, just letting you know that Okay. we were gonna make that change for you. So but if you do see that, feel free to have a read through it. Let me know if you have any questions in relation to it, but that those investments have been changed out of there. So instead of having a bend along Australian equities, which under was underperforming, we've now put in its place the Australian 200, so the beta share is a 200. And that Yep. essentially sorry. That's still giving you exposure to Australian equities, which is important, but it's more of a lower cost passively managed funds. The idea of the a 200 is that you're invested and you're tracking the top 200 companies on the ASX instead of having Yes. an investment manager trying to outperform the market. When we look at passive versus active management, tracking an index, and just participating in the market even through the ups and downs, over the longer term, you do tend to come out in front and, like, been Yeah. along I'm right. with Yep. actively managed fund. They were supposed to be buying and selling and trying to outperform the markets. They weren't doing so, so it was time to give them Yep. a flick and remove them from your fund for you. Okay? Yep.","start_word":2335,"end_word":2734,"sentiment":"neutral","sentiment_score":0.02039837257994805},{"text":"Cool. Beautiful.","start_word":2735,"end_word":2736,"sentiment":"positive","sentiment_score":0.4736306071281433},{"text":"But when you do find that one, have a bit of a look at it. If you do find you have any questions in relation to it, you're welcome to let me know at any point in time. Okay? No worries. Perfect. Now just to run through a few more other details for you with your main primary residence there, what sort of value do you think you put on the property there at the moment? Probably around the 800 mark. Yep. Perfect. I think last time we spoke, I had about 570 on here, so it's gone up Yeah. quite One considerably. one one solves five months ago here for for 740. Okay. So Perfect. and it wasn't fully renovated. Mine will be or it might will be fully modernized and renovated. Yep. Yeah. And Nice. it yeah. It seems to be going up. And I'm having a look around the area. Yeah. I reckon rep. Probably maybe maybe a bit less. Like, 800 would probably be the most. Probably be, like, Okay. $7.80, 800 sort of thing. Yep.","start_word":2737,"end_word":2916,"sentiment":"neutral","sentiment_score":0.07989652641117573},{"text":"Perfect.","start_word":2917,"end_word":2917,"sentiment":"positive","sentiment_score":0.5033805966377258},{"text":"Around there. Yep.","start_word":2918,"end_word":2920,"sentiment":"neutral","sentiment_score":0.2394057959318161},{"text":"Perfect. Not a problem at all.","start_word":2921,"end_word":2926,"sentiment":"positive","sentiment_score":0.3763901889324188},{"text":"And I've also got your Hilux down here. Do you still have the Hilux Ute? Yep. Yep. Yep.","start_word":2927,"end_word":2944,"sentiment":"neutral","sentiment_score":0.093058779835701},{"text":"Beautiful.","start_word":2945,"end_word":2945,"sentiment":"positive","sentiment_score":0.5940207242965698},{"text":"I had a value on that one of about, sorry, 15,000. Would that still be roughly the same? Yeah. Or Yeah. That'd be around about the same, I think. yep.","start_word":2946,"end_word":2975,"sentiment":"neutral","sentiment_score":0.11715400964021684},{"text":"Perfect. All good.","start_word":2976,"end_word":2978,"sentiment":"positive","sentiment_score":0.5275582075119019},{"text":"And do you have any other assets? Having a look here, that's all I've kind of got noted down. But is there anything else that you would want noted or anything else that we No. maybe maybe need to note down about Not you? really. No. Got nothing nothing special. No. That's okay. Another thing to take into account, a lot of people don't think about it, is their contents. Do you have contents insurance? No. I don't, actually. No. No. That's okay. If you were to have a bit of a look around at your property, what sort of value do you think you might put on your content? Oh, not a real lot, to be honest. Yeah. That's okay. Do I you think haven't maybe got anything. This is it's very it's worth very much. yeah. That's right. Do you think maybe more or less than 10,000 might be an estimate of value or Way less than 10,000. way less? If I go five, four, three, two, what do you think you might Probably like me to pop probably down? three. Yeah. Beautiful. It sounds really interesting, and a lot of people think I'm you know, it might sound a bit silly. But, realistically, if something happened to your property and you had to replace everything you had, and you're basically thinking about if you tipped your house upside down and everything fell out. That's all your contents. It could add up to quite Yeah. a significant amount. Yeah. I suppose it could, but, yeah, I live pretty legally, and I don't have a have a real lot. Mhmm. Nothing nothing flash, really. Yep. No. That's okay.","start_word":2979,"end_word":3257,"sentiment":"neutral","sentiment_score":-0.03598695320467795},{"text":"That's not a problem at all. All good.","start_word":3258,"end_word":3265,"sentiment":"positive","sentiment_score":0.5766858458518982},{"text":"And do you have any, like, tools or and anything of value you might keep in your shed? Yeah. I've probably got I've probably got 5 or $6,000 worth of tools. Yep.","start_word":3266,"end_word":3297,"sentiment":"neutral","sentiment_score":0.1316530704498291},{"text":"Perfect.","start_word":3298,"end_word":3298,"sentiment":"positive","sentiment_score":0.47640904784202576},{"text":"I can definitely note those down because they are a lot of those tools can be Yeah. pretty expensive and quite costly if you had to replace them. So I'll just note those down for you here as well. And you said about 5 or 6,000? Yeah. Probably closer to 6. Yep. Perfect. 6,000.","start_word":3299,"end_word":3352,"sentiment":"neutral","sentiment_score":0.002607795177027583},{"text":"Lovely. Excellent.","start_word":3353,"end_word":3354,"sentiment":"positive","sentiment_score":0.5586035251617432},{"text":"And have you ever considered have you got a will or a power of attorney in place, or have you considered having those drawn up in the past at all? I'm I'm actually getting one drawn up shortly. I've got a friend who's who's a who's whose brother is is a a will lawyer Wow. Yep. Yep. Perfect. or or a will person. Yeah. So I'm Yep. getting I'm in the middle of sorting that out now because I really haven't got any relatives or anything. So I need to get get it all done. Yeah. Yeah. Yeah. No. Definitely. I'm just also having a quick look at your beneficiaries as well because it's really important that they be updated on your portfolio here. Have they asked you anything about the beneficiaries on your super at all? Or I think they did once before, Mhmm. but I I don't know if I did anything about it. Yep. No. That's okay. Because I'm having a look, and it's just loaded for me, and it just shows there's no beneficiary nominated here. So, essentially, with the way that is noted at the moment, if you were to pass away in touch with nothing happens, we want you to be nice and healthy, enjoy your life. But if anything was to happen, with not having a beneficiary nomination on file, your super fund has essentially go through a bit of a probate, which means that they have Yep. to go out there and see if you've got any family members. If there's nothing, no claims against the money, it goes to your state. And, again, if you don't have a will in process or in progress, then there's a probate process there as well. So Yep. it does kind of mean you are kinda going to that probate side of things. It's it's doesn't normally affect us if we're not here anymore. However, it can be a little bit harder for family and friends and things like that, and it might mean Yeah. that Right. your Yeah. estate doesn't get directed to where you want it to go, which could be the most Yeah. important part there. So Yep. as part of the estate planning for your will, has your solicitor asked you questions about what you want to happen to the, you know, to your super or what you want to happen to your estate? What have they kind of discussed with you so far? Well, I haven't really discussed anything with them yet. I'm I'm Yeah. meeting with them next week, Okay. but I'm probably No. just That's gonna leave it all to charities because I've got I've got some some cousins, but they're really distant, and I barely even know them. And nice. and they, you know, like so I just I'd I'd prefer to see it go to worthy causes Yeah. rather Perfect. than there's about 10 of them and I'd I'd rather than they're all them all fighting over it or, you know, getting the Yep. tenth of something each. Yep. Yep. So you just can request it all to some charities that, you know, pique your interest or are close to your Yeah. heart? Yeah. Yep.","start_word":3355,"end_word":3893,"sentiment":"neutral","sentiment_score":0.01771794231383887},{"text":"Probably That's really things nice.","start_word":3894,"end_word":3898,"sentiment":"positive","sentiment_score":0.34479236602783203},{"text":"that are close things that are close to wildlife and Oh, beautiful.","start_word":3899,"end_word":3910,"sentiment":"neutral","sentiment_score":0.30194514989852905},{"text":"because, you know, like, I'd rather see it get do some good Yeah.","start_word":3911,"end_word":3923,"sentiment":"positive","sentiment_score":0.418449193239212},{"text":"there than give everybody just a tiny little bit. Yep. They've got their own families to to to inherit from. Yep. No. That's okay.","start_word":3924,"end_word":3947,"sentiment":"neutral","sentiment_score":0.17579615116119385},{"text":"That's not a problem at all. It's probably one of the most honest and probably one of the nicest things I've heard when it comes to the estate planning side of things. So that's really lovely. Yeah. Beautiful.","start_word":3948,"end_word":3985,"sentiment":"positive","sentiment_score":0.6147418100582925},{"text":"Well, it could it can do some good like, most of the wildlife and animals and that don't have a voice for themselves. Yeah. Yeah. No. That's okay. That's not a problem And a lot at of all.","start_word":3986,"end_word":4023,"sentiment":"neutral","sentiment_score":0.2304389476776123},{"text":"it's done by volunteers and so you can go go to some do some good.","start_word":4024,"end_word":4038,"sentiment":"positive","sentiment_score":0.351196825504303},{"text":"Yeah. No. Not a problem at all.","start_word":4039,"end_word":4045,"sentiment":"neutral","sentiment_score":0.2343565374612808},{"text":"That's fantastic.","start_word":4046,"end_word":4047,"sentiment":"positive","sentiment_score":0.6933236718177795},{"text":"So when it comes down to your super, with not having any direct beneficiaries, and they do have a bit of laws and legislation around who can receive your super. It generally has to be your children, your spouse, someone with who's relied on you, lived with you, or relied on you for support or, like, someone with the who's had an interdependent relationship, they call it, to someone who's relied on you for day to day living expenses. It looks like you don't really have anyone in that capacity. So No. the There other isn't option anybody. No. no. That's okay. The other option is we can always nominate your legal personal representative, which means that in the event of your passing, your super is paid with your to your estate and then gets divided up with your will. Does that sound like something that's more probably better Yeah. for you? Yeah. Yep. That Yep. sounds like Perfect. the right way to go. Yeah. Beautiful. Are you comfortable with if you like, we can do is we can resend out with some beneficiary nominations to us. Would you like us to pre fill the beneficiary section, take the legal personal representative for you to make it a bit easier? Yeah. That'd be great. Yeah. Beautiful. And you're comfortable is it maybe a 100% to your estate? Does that sound right? And are you comfortable with us pre filling that for Yeah. Yeah. you? Yeah.","start_word":4048,"end_word":4292,"sentiment":"neutral","sentiment_score":0.05635873228311539},{"text":"Beautiful. Lovely.","start_word":4293,"end_word":4294,"sentiment":"positive","sentiment_score":0.365543007850647},{"text":"Just need to make sure we get some directions and that we do and when we are pre filling these homes because they are legal forms that we have, you know, correct instructions from you so that we're doing the right thing. Okay. Yep. Yep.","start_word":4295,"end_word":4339,"sentiment":"neutral","sentiment_score":0.13740856647491456},{"text":"Beautiful.","start_word":4340,"end_word":4340,"sentiment":"positive","sentiment_score":0.5511100888252258},{"text":"Marital status, I have you down as single. Any new flames in the work? Have you got any new No. hot No new relationships flames. recently? No. Nothing? That's okay. Do you have any dependent children or No. any No. children No at children. all? Nope. That's No okay. Beautiful. I don't have a next of kin down here children. for you at all. It is really important that we do have someone that we can contact if we were unable to get a hold of you as a bit of a next of kin. Would there be anyone that you would want noted? If Can't you don't, really it's think of okay. anything for anybody. Yep. That's okay. I'm If not you do really happen close to to anybody really. no. That's okay. You just enjoy your own company, kinda fairly secluded, Yeah. Yeah. and I'm just yeah. have your Just regular sort of acquaintances. yeah. Yeah. That's okay. It's not a problem at all. I'll just make a note here for you. Now what sort of you mentioned you're doing some casual work. What kind of work are you doing casually? What do you normally do by trade? I'm a form worker by trade, but I I just do little concreting jobs and just all sorts Perfect. of different odd jobs. Lovely. A Little bit of a jack garden of all trades. makeovers, Yeah. small small concreting Perfect. jobs. Sounds like you are a bit of a jack of all trades, that one. Yeah.","start_word":4341,"end_word":4596,"sentiment":"neutral","sentiment_score":0.023583030328154564},{"text":"Fantastic.","start_word":4597,"end_word":4597,"sentiment":"positive","sentiment_score":0.44385796785354614},{"text":"And I've got down here that you're averaging roughly about 20 to 30,000 casually over the course of the year, give or take, depending on the work that you get and that you're able to do. Yeah. Does that sound about right? Yep. Yep. It seems a bit right. Beautiful. And health wise, has there been any major changes? Is everything still fairly much as it was, or have you had any major changes in your health? No. Health's pretty good.","start_word":4598,"end_word":4678,"sentiment":"neutral","sentiment_score":0.08826944231987},{"text":"Beautiful. Beautiful.","start_word":4679,"end_word":4680,"sentiment":"positive","sentiment_score":0.4644199013710022},{"text":"With medium term and long term goals here, I've got down here that you're hoping to sorta access super maybe around age 67. Is there I've also got down here that you're hoping by the end of the year to maybe sell your current property and buy something in the country. Is there any other goals that you have that you're looking to achieve in the next one, two, three, or five years? It can be anything at all. No. Not really. Yep.","start_word":4681,"end_word":4763,"sentiment":"neutral","sentiment_score":0.0654238909482956},{"text":"It's okay. Fairly simple. I love it. Just live in the country and enjoy yourself. Nice, quiet life. Yep. It'll Beautiful. do.","start_word":4764,"end_word":4785,"sentiment":"positive","sentiment_score":0.565022349357605},{"text":"Yeah. That's okay. It's not a problem. As I kinda mentioned, they'll do catch ups with you a bit more regularly, Nigel. So if anything does change, you are welcome to let me know. Okay? Okay. No worries. So the property in the next, we'll say, end of the year. Yes.","start_word":4786,"end_word":4836,"sentiment":"neutral","sentiment_score":0.2167198657989502},{"text":"Beautiful.","start_word":4837,"end_word":4837,"sentiment":"positive","sentiment_score":0.4738471210002899},{"text":"Now the next thing I just want to run through is a bit of a risk profile there. So the last information I have here is that you're in more of a moderate portfolio, which is sort of on the lower end of the risk scale. Generally, suit someone who has about three to five years before they're wanting to access their super there. Given your age and stage, it sounds about right, really, because you're Yep. 63 this year, about to turn 63 this year. Yep. So and the reason I kind of ask a bit more about when you're kinda hoping to access super, It's it's basically because of that because we don't wanna see you taking too much risk in the market. We wanna make sure you're Yeah. in Yeah. a portfolio. It's kind of in line with the amount of risk you're able to take. The idea is we're sort of hoping that you're not gonna be accessing your super right when there is a market dip. So that's why I wanna kind of catch up a little bit more regularly with you, maybe Yep. once Yep. every three or six months just to see how your portfolio is going, see how the market is going. And then when we need to maybe update some advice, we can do that with you. Okay? Yep. No I've worries. got sorry. I've got the risk profile questionnaire up here in front of me. It is very similar to the last couple of years. I've got just a couple of questions already answered to make it easier. The first one here is I've got down, you've never invested into shares or direct funds in your own name before. Is that right? That's right. Yeah.","start_word":4838,"end_word":5132,"sentiment":"neutral","sentiment_score":0.023679025029226884},{"text":"Beautiful. Lovely.","start_word":5133,"end_word":5134,"sentiment":"positive","sentiment_score":0.5908623933792114},{"text":"How do you think you might be feeling over the course of the say, one to two years if due to what was happening in the world, generally, if the market did take a bit of a dip? How do you think that might be making you feel? It'd be a concern. I don't think Yeah.","start_word":5135,"end_word":5190,"sentiment":"neutral","sentiment_score":-0.02505495958030224},{"text":"I'd I'd, you know, I don't think I'd lose it over or anything, but it would be it would be something that would be better if it didn't happen.","start_word":5191,"end_word":5219,"sentiment":"negative","sentiment_score":-0.4003731310367584},{"text":"So concern. Absolutely. And we would definitely love it if it didn't. Absolutely. Yeah. That's okay, sir. A bit concerned. Do you think in that sort of a time frame you might be wanting to put more money intake advantage of the dip? Are you more likely to call us and have a chat with me to see what's going on and what we can do, or are you feeling like maybe moving some money out into a different, more secure asset? How do you think you might react in that circumstance? Not sure. Probably I'd probably leave it in super, but I just have a chat about about what to do. Yep. I'm not That's look. okay. I don't read and write well, and I don't have a lot of understanding of investing Okay. or anything like that. That's why I would Yeah. never take anything on like that myself No. Of course. Understandable. because I would I would I would almost a 100% do the wrong thing. Okay. No. That's alright. Well, I'll definitely make sure I guide you through things. And knowing that when we have those conversations, we'll definitely talk a little bit slower and a bit deeper. And if you find you have questions about the investments, about the way things are looking, or anything that you are hearing, please flag it for me because I'm more than happy to make time to chat you through things in a bit more detail as well. Okay? Okay.","start_word":5220,"end_word":5470,"sentiment":"neutral","sentiment_score":-0.006652522253325261},{"text":"Perfect.","start_word":5471,"end_word":5471,"sentiment":"positive","sentiment_score":0.49062538146972656},{"text":"So I've sort of ticked the box here saying you'd probably maybe call us hold and wait. If we did see a market dip in the next, say, one to two years or when you are closer to the age of 67, do you think you'd be willing to work a little bit longer before accessing accessing some of that super, or do you think you'd be more inclined to just retire anyway? How do you think you might feel? Well, if if my health is alright, I'd probably just keep going.","start_word":5472,"end_word":5563,"sentiment":"neutral","sentiment_score":-0.07293079793453217},{"text":"Perfect. Perfect. All good.","start_word":5564,"end_word":5567,"sentiment":"positive","sentiment_score":0.5803150534629822},{"text":"And I've got here what reasonable rate of return are you hoping to get out of your super. Obviously, we're all wanting the best return we can possibly get. Am I wrong? Or Yeah. Well, that's right. Yeah. Best I can get.","start_word":5568,"end_word":5609,"sentiment":"neutral","sentiment_score":0.1862904131412506},{"text":"Yeah. beautiful.","start_word":5610,"end_word":5611,"sentiment":"positive","sentiment_score":0.45488494634628296},{"text":"And when it comes to borrowing for investments, you've had your investment so you received the investment property as a bit of an inheritance, but you've only really borrowed for your main primary residence. Is that right? Yeah. Yeah. Yes.","start_word":5612,"end_word":5651,"sentiment":"neutral","sentiment_score":0.04463410004973411},{"text":"Beautiful. Lovely.","start_word":5652,"end_word":5653,"sentiment":"positive","sentiment_score":0.5603512525558472},{"text":"Now having a look at this one here, you've actually scored there as a growth invest and growth investor. With where you are, that was the sort of portfolio you were in originally. I'm having a look at your file here. It kind of looks like we did provide a record of advice back in 2022 to move you into something a little bit more conservative, more of a moderate portfolio. I'm just trying to find the asset allocation there for this one. But from what I can see here, it's generally looking like sorry. I'm just going to pull up a different document which breaks it down because I don't wanna give you the wrong information, but that one there doesn't have the asset allocation in it. So I just wanna make sure that we're that you understand, but that I also know exactly what portfolio you're in because I don't want you to be taking on too much risk in the market. But we also wanna make sure that your portfolio is working, that you are getting returns because without contributions, that's essentially the most important thing is that your portfolio is working harder for you. It's a bit of a Yeah. a juggling act, that one, and that you want you Yeah. want Yeah. returns. So sorry. I won't be in two minutes. I'm just gonna scroll through this table a little bit here. Won't be one second. No worries.","start_word":5654,"end_word":5896,"sentiment":"neutral","sentiment_score":0.017504226339697348},{"text":"All good.","start_word":5897,"end_word":5898,"sentiment":"positive","sentiment_score":0.4351958632469177},{"text":"So just had to confirm there for you. But with the portfolio, it generally sees when we're looking at growth assets, you're generally looking at around 50 to 60% in growth investments. So that's like Australian shares, international shares, a bit of property, and some commodities like gold and silver, and you've got some physical gold in your portfolio at the moment. The other side of that is what we call defensive or lower risk investments, so things like cash, bonds, and fixed interest. Those sorts of investments are lower risk. They do tend to get a lower rate of return, but as we get closer to accessing super, they're more important to kind of increase those. And with this sort of a portfolio, you've got 40% in there. And we look at things like fixed interest, things like term deposits, bonds, also high interest savings accounts, and things like that to give us, you know, as good as best returns you can get for those sorts of investments, but also lowering the overall risk level of your portfolio.","start_word":5899,"end_word":6077,"sentiment":"neutral","sentiment_score":0.18997114896774292},{"text":"This sort of portfolio does suit someone who is wanting to, sorry, access super in about sort of three years, and you can be in this portfolio longer term if you want to as well.","start_word":6078,"end_word":6112,"sentiment":"positive","sentiment_score":0.3835624754428863},{"text":"Are you fairly comfortable staying in that sort of environment? Did you want me to break it down more for you? Do you have any questions? No. I I think it's Yeah.","start_word":6113,"end_word":6144,"sentiment":"neutral","sentiment_score":0.13428986072540283},{"text":"I think it's probably the the best place for me to be.","start_word":6145,"end_word":6156,"sentiment":"positive","sentiment_score":0.378214418888092},{"text":"Yeah.","start_word":6157,"end_word":6157,"sentiment":"neutral","sentiment_score":0.30317267775535583},{"text":"Yeah. Perfect.","start_word":6158,"end_word":6159,"sentiment":"positive","sentiment_score":0.4983123540878296},{"text":"So I had to confirm that because over the course of the last few years, we've renamed our portfolios a few different times. Yeah. And Right. so I had to make sure what it was back then equals what I have now, so it's Yep. all good. Yep. But it is. It's more of that balance sort of environment there. And, realistically, with a four year time horizon accessing, so if you can stay here, I would like to just catch up with you as a mentor a little bit more regular to see where things are going, have a look at things. My role here is as a financial adviser, I do a lot of our time and advice for our clients. So Yes. I Yes. kind of live in that space of either close to accessing super, making sure we're understanding that risk level, but also making sure that we're working you're able to access Centrelink down the track and get longevity out of that super as well. So Yep. Yep. yeah, there's definitely things that we can do to help you down the track to whilst your super balances are a little bit lower than where we'd like it to be, we can get Yep. as much Yep.","start_word":6160,"end_word":6370,"sentiment":"neutral","sentiment_score":0.19974103569984436},{"text":"longevity out of it as possible and, you know, try and get as much out of the government as we can to help you along as well.","start_word":6371,"end_word":6397,"sentiment":"positive","sentiment_score":0.3360379636287689},{"text":"Yep. Does that Yep. make sense? Yep. Yeah. Makes sense.","start_word":6398,"end_word":6407,"sentiment":"neutral","sentiment_score":0.11801371723413467},{"text":"Yeah. Beautiful. You've worked hard. You've paid a lot of taxes. It's time for them to give you some money back. Yeah. All good. So, honestly, that that portfolio does suit quite fine for where you're at.","start_word":6408,"end_word":6444,"sentiment":"positive","sentiment_score":0.4739553928375244},{"text":"Down the track, I would like to maybe reassess Netwealth as an investment platform as well.","start_word":6445,"end_word":6460,"sentiment":"neutral","sentiment_score":0.320492684841156},{"text":"But because there's really no need to make any changes, because we've already moved that Banda Long investment out, you're happy with where the asset allocation is, and it does suit your time horizon and your risk tolerance.","start_word":6461,"end_word":6498,"sentiment":"positive","sentiment_score":0.49977731704711914},{"text":"I wouldn't be inclined to make any major changes now, but I would like to maybe make a catch up for the next few months to sort of see how things are going and see whether we're gonna make any changes down the track there or what, you know, what's happening in your life just to Yeah. kinda Right. keep Yep. up. Yep. Do you think maybe six months might be okay, or what sort of time frame Yeah. might Yeah. suit you Probably a bit, probably Nigel? yeah. It goes goes six months. Yeah. I Six think. months? Yep.","start_word":6499,"end_word":6598,"sentiment":"neutral","sentiment_score":0.03450944274663925},{"text":"Perfect.","start_word":6599,"end_word":6599,"sentiment":"positive","sentiment_score":0.369484007358551},{"text":"And, look, there Yep. may not be any changes down at that point either, but it's still important just to catch up, see where things are Yeah. going. Just to just Yeah. to see what's happening.","start_word":6600,"end_word":6635,"sentiment":"neutral","sentiment_score":0.08461656421422958},{"text":"Absolutely.","start_word":6636,"end_word":6636,"sentiment":"positive","sentiment_score":0.3913750946521759},{"text":"Just to keep a bit more of a closer eye on things for you. And then when things are changing, when you decide you need to access money, you have that call, you've got me there. You can go, hey. I think I need something, and we can talk about what you need to do then. Okay? No worries.","start_word":6637,"end_word":6695,"sentiment":"neutral","sentiment_score":0.19499321281909943},{"text":"Perfect. Perfect.","start_word":6696,"end_word":6697,"sentiment":"positive","sentiment_score":0.5357061624526978},{"text":"Now as I did mentioned, I did send a annual review pack to you. I'm sorry. Feel free to have a look through those documents. Let us know if you do happen to have any questions. It does also have the ongoing service agreement attached there. So with that one there, you are paying an ongoing service fee for having us as your advisers. The ongoing Yep. service fee is 1.65%. It is calculated that's ideally percentage. It's calculated and deducted in smaller monthly increments. So it is linked Yep. to the performance of your super. So the same as in previous years, it goes up and down with the market, which is really important. Do you have any Yep. questions Yep. about the ongoing service fee, about our services, or anything I've kinda gone with you today through with you today? No. No. That's alright. No?","start_word":6698,"end_word":6844,"sentiment":"neutral","sentiment_score":0.06229844316840172},{"text":"Beautiful.","start_word":6845,"end_word":6845,"sentiment":"positive","sentiment_score":0.4864499568939209},{"text":"Well, if you do have any questions, you're welcome to let me know. I've got it in my calendar.","start_word":6846,"end_word":6864,"sentiment":"neutral","sentiment_score":0.3005838394165039},{"text":"One of my beautiful admin team will book you in in six months time for another sort of catch up.","start_word":6865,"end_word":6884,"sentiment":"positive","sentiment_score":0.3608038127422333},{"text":"And in the meantime, if you need anything, Nigel, please let me know. My name's Dana. I'll always make myself available to help you out. I also work after hours. So, generally, Monday to Thursday up until about 7PM Queensland time. So I can chat later in the evening if that's easier for you as well. Okay? Okay. No worries.","start_word":6885,"end_word":6944,"sentiment":"neutral","sentiment_score":0.1641097366809845},{"text":"Excellent. Excellent. Well, I will let you go. I thank you so much for your time. I hope you have a good afternoon, and feel free to read through those documents.","start_word":6945,"end_word":6975,"sentiment":"positive","sentiment_score":0.6860756278038025},{"text":"If you find you have any questions, let me know. The only other thing to check is your ID, which is completely all up to date.","start_word":6976,"end_word":7001,"sentiment":"neutral","sentiment_score":0.2107166349887848},{"text":"So, yeah, that's basically everything. A nice easy review for you today. No worries. Andy, thank you so much for your time. I'll let you go. I hope you have a lovely evening. Thank you very much, My and pleasure. you Thanks have a nice for your evening time.","start_word":7002,"end_word":7050,"sentiment":"positive","sentiment_score":0.6616193652153015},{"text":"too. I will. Bye You too. bye.","start_word":7051,"end_word":7057,"sentiment":"neutral","sentiment_score":0.25985199213027954},{"text":"Thanks. Thanks for your time. See you later.","start_word":7058,"end_word":7065,"sentiment":"positive","sentiment_score":0.6187009811401367},{"text":"Bye. Bye.","start_word":7066,"end_word":7067,"sentiment":"neutral","sentiment_score":0.21346478164196017}],"average":{"sentiment":"neutral","sentiment_score":0.0995049208825666}}}}