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Yeah. Oh, goodness me. Well, hopefully, your day gets a bit better. Yeah. And it'll be freezing in Canberra as well. It's hardly cold down there this time of year. Oh, that's good. That's excellent. Oh, good. Well, I'll try not to take up too much of your time, but I just updated the advice document for you and had it sent through to your email. Obviously, there's no real change to the recommendations there, but because of the time between March to now, there has been a little bit of a change in some of the the cost side of it. So I just wanted to kinda go through that with you just to sort of update it, and then you're welcome to go back and have another read of the document. Let me know if there is any additional questions there. Okay? All good. I have emailed it to you. Are you able to open the email? If you can't, that's honestly okay. Oh, that's okay. Not an issue at all. If you're no. That's okay. I love technology when it works. When it doesn't, I tell you what, not a good thing. So at the moment yeah. Look. You have definitely gone up. So when we kind of look at the balances between then to now, you've definitely increased. Things have gone up. Better Long hasn't really increased in any way, shape, or form, so removing that investment is still the best way to go. This invest this investment switch is still exactly as it was. We are looking to reduce your risk level. So you are in that growth environment now with that 80 percent in growth investment. We're still looking to reduce you down to that balanced area. Are you still comfortable reducing that risk level and dropping your risk down to that balanced environment? Yep. Yep. So balance at the moment, we have sorry. Let me just go back up to the section. I have it all in front of me. It's just on a different page, and my computer's a little bit slow today. Here we go. Okay. Is it balance? Yeah. Wow. You've had a lot going on. In your net wealth, so for your balance, as of yesterday when we did the document, you're up to 284,400, and you've got 50,000 sitting in your Australian Super at the moment. They have increased them where they were. With the difference in Australian Super, we are looking to roll over more than what we have. We still just wanna retain 10,000 and then retain your insurances. So we'd be rolling out 40,603 and 69¢ into Netwealth and depositing that within your portfolio, completing the switch to reduce any of the underperforming investments, and switching you into that lower risk portfolio. The capital gains is slightly different. So, obviously, CGT is an effect. The CGT, based on this updated document, is showing 2,635 in the original document in March. It was about 2041. So it's only a slight difference in the CGT effect to have the changes, and that's because there has been an increase in some of those investments over time. Okay? The the newer portfolio is still cheaper. Investment fees in the last document, we were saving $602. In this document, we're saving 751. So it's an additional saving on investment fees of a $149. I did look at the CGT for a full sell down. If you were to sell down the entire portfolio, the CGT is showing a little over $6,343. So the CGT to do the switch is still much better for you, and because of the other savings, we can make that money back nice and quick. Okay? All good. The other thing to note is sorry. As I said, we are reducing your risk profile from growth to more balanced. That is increasing defensive assets to about 34.85% from where they are at the moment, which is 19%. So you're bringing your risk level down a little bit. We reduced the growth investment to 80.32 to 65.15%. So bringing yourself down a little bit, which is good. The ongoing service fee is a little bit higher because we are moving money from Australian sleeper and into net wealth. That projected amount for the year is $5,435. It's 1.65% of the balance, but that's in smaller monthly increments, and I've got your ongoing service agreement attached to that email for you to have a look at as well. Okay? No change to the cost of the insurance premiums. The only other difference is, obviously, the projected outcomes and markets have been a bit up and down this year. The five year rolling average that the growth portfolio has, it has averaged about 8.56% on a yearly basis. The balanced portfolio, while for reducing risk, still has been a greater five years past performance. It's averaged about 9.68%. So projecting that forward, we can still sort of estimate you to be a bit over $600,000 in ten years, which is still putting you on a good track so long as the portfolio can obtain that kind of return regularly. Okay? Keep in mind, I like to make sure projections are just the projection. Markets go up and down, and none of us could have predicted what was gonna happen this year. And we definitely don't know what's gonna happen next year, but I wanna review that with you more regularly. Did you want me to do a catch up in three months, six months? What would you like to see, Belinda? Did did you want three or six? Sorry. Three months? Yep. Perfect. It goes it goes in my calendar and my administration team's calendar, so they will give you a call. As soon as it pops into their calendar to call you, I'll make it every three months trailing. And if you find that you need something a little bit more often, just let us know. If I'm available, I'll always take the call off the cuff. If I'm not, my team will book you in for the next available, and I do work up until 07:00 some night. So more than happy to stay back and take calls after work before work, whatever you need to make sure we're looking after you moving forward. Okay? All good. Perfect. Have a read to the document. Let me know if there's any questions that come out of it. And if you're comfortable to do so, I'll get you a sign and return that back so we can have the changes implemented nice and quick for you. Okay? Yep. Yep. Beautiful. Easy. The only other thing I just have to let you know is your ID has expired on file. Under AML, we do have to have updated ID. So I'm gonna get my team just to send you a text message shortly. If you can just, when you've got some time, take a a photo of your driver's license and send it to us. We just have to update it on file for you as well. Okay. All good. Do you have any questions or any concerns or anything you wanted to bring up with me today? Or no? Easy. Beautiful. I'll pop that in the calendar then, make sure the team touch base in three months. If there's anything that comes out of that, let me know. I did send you an email a few weeks back, so you've got my email there. You're welcome to email me if anything comes up and I'm not available, or just give me a call if any questions come out as well. Okay. Easy. That's okay. Thank you so much for your time today. I hope your day gets better. Oh, good. I'll talk to you soon, Belinda. Thank you so much for taking my call. See you later. 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Belinda. It's Dana from Okie Financial. How are you today? I'm very well. Thank you.\n\nHow's your morning been? Oh, really? I'm so sorry. Oh, I'm I had to book in just a run. Oh, are you?\n\nYeah. Oh, goodness me. Well, hopefully, your day gets a bit better. Yeah. And it'll be freezing in Canberra as well.\n\nIt's hardly cold down there this time of year. Oh, that's good. That's excellent. Oh, good. Well, I'll try not to take up too much of your time, but I just updated the advice document for you and had it sent through to your email.\n\nObviously, there's no real change to the recommendations there, but because of the time between March to now, there has been a little bit of a change in some of the the cost side of it. So I just wanted to kinda go through that with you just to sort of update it, and then you're welcome to go back and have another read of the document. Let me know if there is any additional questions there. Okay? All good.\n\nI have emailed it to you. Are you able to open the email? If you can't, that's honestly okay. Oh, that's okay. Not an issue at all.\n\nIf you're no. That's okay. I love technology when it works. When it doesn't, I tell you what, not a good thing. So at the moment yeah.\n\nLook. You have definitely gone up. So when we kind of look at the balances between then to now, you've definitely increased. Things have gone up. Better Long hasn't really increased in any way, shape, or form, so removing that investment is still the best way to go.\n\nThis invest this investment switch is still exactly as it was. We are looking to reduce your risk level. So you are in that growth environment now with that 80 percent in growth investment. We're still looking to reduce you down to that balanced area. Are you still comfortable reducing that risk level and dropping your risk down to that balanced environment?\n\nYep. Yep. So balance at the moment, we have sorry. Let me just go back up to the section. I have it all in front of me.\n\nIt's just on a different page, and my computer's a little bit slow today. Here we go. Okay. Is it balance? Yeah.\n\nWow. You've had a lot going on. In your net wealth, so for your balance, as of yesterday when we did the document, you're up to 284,400, and you've got 50,000 sitting in your Australian Super at the moment. They have increased them where they were. With the difference in Australian Super, we are looking to roll over more than what we have.\n\nWe still just wanna retain 10,000 and then retain your insurances. So we'd be rolling out 40,603 and 69¢ into Netwealth and depositing that within your portfolio, completing the switch to reduce any of the underperforming investments, and switching you into that lower risk portfolio. The capital gains is slightly different. So, obviously, CGT is an effect. The CGT, based on this updated document, is showing 2,635 in the original document in March.\n\nIt was about 2041. So it's only a slight difference in the CGT effect to have the changes, and that's because there has been an increase in some of those investments over time. Okay? The the newer portfolio is still cheaper. Investment fees in the last document, we were saving $602.\n\nIn this document, we're saving 751. So it's an additional saving on investment fees of a $149. I did look at the CGT for a full sell down. If you were to sell down the entire portfolio, the CGT is showing a little over $6,343. So the CGT to do the switch is still much better for you, and because of the other savings, we can make that money back nice and quick.\n\nOkay? All good. The other thing to note is sorry. As I said, we are reducing your risk profile from growth to more balanced. That is increasing defensive assets to about 34.85% from where they are at the moment, which is 19%.\n\nSo you're bringing your risk level down a little bit. We reduced the growth investment to 80.32 to 65.15%. So bringing yourself down a little bit, which is good. The ongoing service fee is a little bit higher because we are moving money from Australian sleeper and into net wealth. That projected amount for the year is $5,435.\n\nIt's 1.65% of the balance, but that's in smaller monthly increments, and I've got your ongoing service agreement attached to that email for you to have a look at as well. Okay? No change to the cost of the insurance premiums. The only other difference is, obviously, the projected outcomes and markets have been a bit up and down this year. The five year rolling average that the growth portfolio has, it has averaged about 8.56% on a yearly basis.\n\nThe balanced portfolio, while for reducing risk, still has been a greater five years past performance. It's averaged about 9.68%. So projecting that forward, we can still sort of estimate you to be a bit over $600,000 in ten years, which is still putting you on a good track so long as the portfolio can obtain that kind of return regularly. Okay? Keep in mind, I like to make sure projections are just the projection.\n\nMarkets go up and down, and none of us could have predicted what was gonna happen this year. And we definitely don't know what's gonna happen next year, but I wanna review that with you more regularly. Did you want me to do a catch up in three months, six months? What would you like to see, Belinda? Did did you want three or six?\n\nSorry. Three months? Yep. Perfect. It goes it goes in my calendar and my administration team's calendar, so they will give you a call.\n\nAs soon as it pops into their calendar to call you, I'll make it every three months trailing. And if you find that you need something a little bit more often, just let us know. If I'm available, I'll always take the call off the cuff. If I'm not, my team will book you in for the next available, and I do work up until 07:00 some night. So more than happy to stay back and take calls after work before work, whatever you need to make sure we're looking after you moving forward.\n\nOkay? All good. Perfect. Have a read to the document. Let me know if there's any questions that come out of it.\n\nAnd if you're comfortable to do so, I'll get you a sign and return that back so we can have the changes implemented nice and quick for you. Okay? Yep. Yep. Beautiful.\n\nEasy. The only other thing I just have to let you know is your ID has expired on file. Under AML, we do have to have updated ID. So I'm gonna get my team just to send you a text message shortly. If you can just, when you've got some time, take a a photo of your driver's license and send it to us.\n\nWe just have to update it on file for you as well. Okay. All good. Do you have any questions or any concerns or anything you wanted to bring up with me today? Or no?\n\nEasy. Beautiful. I'll pop that in the calendar then, make sure the team touch base in three months. If there's anything that comes out of that, let me know. I did send you an email a few weeks back, so you've got my email there.\n\nYou're welcome to email me if anything comes up and I'm not available, or just give me a call if any questions come out as well. Okay. Easy. That's okay. Thank you so much for your time today.\n\nI hope your day gets better. Oh, good. I'll talk to you soon, Belinda. Thank you so much for taking my call. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Belinda.","start":1.52,"end":2.32,"sentiment":"neutral","sentiment_score":0.19602960348129272},{"text":"It's Dana from Okie Financial.","start":2.32,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.23233956694602967},{"text":"How are you today?","start":4.08,"end":5.06,"sentiment":"neutral","sentiment_score":0.2754450552165508},{"text":"I'm very well.","start":7.2,"end":8.24,"sentiment":"positive","sentiment_score":0.6120469768842062},{"text":"Thank you.","start":8.24,"end":8.72,"sentiment":"positive","sentiment_score":0.6022467315196991}],"sentiment":"positive","sentiment_score":0.3560107285156846,"num_words":16,"start":1.52,"end":8.72},{"sentences":[{"text":"How's your morning been?","start":8.72,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.14731119200587273},{"text":"Oh, really?","start":12.08,"end":12.799999,"sentiment":"neutral","sentiment_score":-0.10268469154834746},{"text":"I'm so 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well.","start":39.489998,"end":41.845,"sentiment":"neutral","sentiment_score":0.017093736096285284}],"sentiment":"neutral","sentiment_score":0.05056881181718338,"num_words":21,"start":24.275,"end":41.845},{"sentences":[{"text":"It's hardly cold down there this time of year.","start":41.845,"end":44.185,"sentiment":"neutral","sentiment_score":0.0013533362911807164},{"text":"Oh, that's good.","start":49.285,"end":50.405,"sentiment":"positive","sentiment_score":0.3701263169447581},{"text":"That's excellent.","start":50.405,"end":51.225,"sentiment":"positive","sentiment_score":0.5944557785987854},{"text":"Oh, good.","start":52.21,"end":52.69,"sentiment":"neutral","sentiment_score":0.19724609702825546},{"text":"Well, I'll try not to take up too much of your time, but I just updated the advice document for you and had it sent through to your email.","start":52.69,"end":59.829998,"sentiment":"neutral","sentiment_score":0.06622089368516001}],"sentiment":"neutral","sentiment_score":0.1028081921239694,"num_words":45,"start":41.845,"end":59.829998},{"sentences":[{"text":"Obviously, there's no real change to the recommendations there, but because of the time between March to now, there has been a little bit of a change in some of the the cost side of it.","start":60.77,"end":71.375,"sentiment":"neutral","sentiment_score":-0.12802426744666365},{"text":"So I just wanted to kinda go through that with you just to sort of update it, and then you're welcome to go back and have another read of the document.","start":71.375,"end":77.854996,"sentiment":"neutral","sentiment_score":0.09848031593907264},{"text":"Let me know if there is any additional questions there.","start":77.854996,"end":80.255,"sentiment":"neutral","sentiment_score":0.10505090951919556},{"text":"Okay?","start":80.255,"end":80.755,"sentiment":"neutral","sentiment_score":0.06404261291027069},{"text":"All good.","start":82.28001,"end":83.020004,"sentiment":"neutral","sentiment_score":0.324195459485054}],"sentiment":"neutral","sentiment_score":0.0025869849137961864,"num_words":80,"start":60.77,"end":83.020004},{"sentences":[{"text":"I have emailed it to you.","start":83.4,"end":85.0,"sentiment":"neutral","sentiment_score":0.17131748547156653},{"text":"Are you able to open the email?","start":85.0,"end":86.600006,"sentiment":"neutral","sentiment_score":0.04930249601602554},{"text":"If you can't, that's honestly okay.","start":86.600006,"end":88.380005,"sentiment":"neutral","sentiment_score":-0.01930646045366302},{"text":"Oh, that's okay.","start":91.96001,"end":93.020004,"sentiment":"neutral","sentiment_score":-0.0707599576562643},{"text":"Not an issue at all.","start":93.08,"end":94.44,"sentiment":"neutral","sentiment_score":-0.08448336124420167}],"sentiment":"neutral","sentiment_score":0.023055071964066615,"num_words":27,"start":83.4,"end":94.44},{"sentences":[{"text":"If you're no.","start":94.44,"end":96.435,"sentiment":"neutral","sentiment_score":-0.08565966784954071},{"text":"That's okay.","start":96.575,"end":97.475,"sentiment":"neutral","sentiment_score":-0.013042423874139786},{"text":"I love technology when it works.","start":97.775,"end":99.375,"sentiment":"positive","sentiment_score":0.39125970751047134},{"text":"When it doesn't, I tell you what, not a good thing.","start":99.375,"end":102.034996,"sentiment":"negative","sentiment_score":-0.39415703036568384},{"text":"So at the moment yeah.","start":108.59,"end":110.27,"sentiment":"neutral","sentiment_score":-0.06751255840063095}],"sentiment":"neutral","sentiment_score":-0.09662206415776853,"num_words":27,"start":94.44,"end":110.27},{"sentences":[{"text":"Look.","start":110.27,"end":110.509995,"sentiment":"neutral","sentiment_score":0.03983695060014725},{"text":"You have definitely gone up.","start":110.509995,"end":111.869995,"sentiment":"neutral","sentiment_score":0.10691681057214737},{"text":"So when we kind of look at the balances between then to now, you've definitely increased.","start":111.869995,"end":116.43,"sentiment":"neutral","sentiment_score":0.026604449609294534},{"text":"Things have gone up.","start":116.43,"end":117.649994,"sentiment":"neutral","sentiment_score":0.11239421367645264},{"text":"Better Long hasn't really increased in any way, shape, or form, so removing that investment is still the best way to go.","start":118.11,"end":123.905,"sentiment":"neutral","sentiment_score":-0.10428739389912649}],"sentiment":"neutral","sentiment_score":-0.01759695028886199,"num_words":48,"start":110.27,"end":123.905},{"sentences":[{"text":"This invest this investment switch is still exactly as it was.","start":124.845,"end":128.945,"sentiment":"neutral","sentiment_score":0.17977522245862268},{"text":"We are looking to reduce your risk level.","start":129.165,"end":131.165,"sentiment":"neutral","sentiment_score":0.0565798650495708},{"text":"So you are in that growth environment now with that 80 percent in growth investment.","start":131.165,"end":135.185,"sentiment":"neutral","sentiment_score":0.10191765626271566},{"text":"We're still looking to reduce you down to that balanced area.","start":135.29001,"end":138.03001,"sentiment":"neutral","sentiment_score":0.09141629595648158},{"text":"Are you still comfortable reducing that risk level and dropping your risk down to that balanced environment?","start":138.41,"end":143.79001,"sentiment":"neutral","sentiment_score":0.011857763809316298}],"sentiment":"neutral","sentiment_score":0.08332407180099718,"num_words":62,"start":124.845,"end":143.79001},{"sentences":[{"text":"Yep.","start":144.17001,"end":144.67001,"sentiment":"neutral","sentiment_score":0.022778045386075977},{"text":"Yep.","start":145.29001,"end":145.79001,"sentiment":"neutral","sentiment_score":0.004646439105272293},{"text":"So balance at the moment, we have sorry.","start":147.05,"end":149.77,"sentiment":"neutral","sentiment_score":-0.04857295984402299},{"text":"Let me just go back up to the section.","start":149.77,"end":152.125,"sentiment":"neutral","sentiment_score":-0.02935993464456664},{"text":"I have it all in front of me.","start":152.905,"end":154.185,"sentiment":"neutral","sentiment_score":-0.03906350722536445}],"sentiment":"neutral","sentiment_score":-0.03473728384684633,"num_words":27,"start":144.17001,"end":154.185},{"sentences":[{"text":"It's just on a different page, and my computer's a little bit slow today.","start":154.185,"end":157.485,"sentiment":"neutral","sentiment_score":-0.1757576566721712},{"text":"Here we go.","start":160.58499,"end":161.565,"sentiment":"neutral","sentiment_score":-0.014548163240154585},{"text":"Okay.","start":161.785,"end":162.185,"sentiment":"neutral","sentiment_score":-0.0011935550719499588},{"text":"Is it balance?","start":162.185,"end":163.00499,"sentiment":"neutral","sentiment_score":-0.009583172077933947},{"text":"Yeah.","start":167.55,"end":168.03,"sentiment":"neutral","sentiment_score":0.0028659161180257797}],"sentiment":"neutral","sentiment_score":-0.11506040174175393,"num_words":22,"start":154.185,"end":168.03},{"sentences":[{"text":"Wow.","start":168.03,"end":168.35,"sentiment":"neutral","sentiment_score":0.02752567082643509},{"text":"You've had a lot going on.","start":168.35,"end":169.97,"sentiment":"neutral","sentiment_score":0.004559942210714023},{"text":"In your net wealth, so for your balance, as of yesterday when we did the document, you're up to 284,400, and you've got 50,000 sitting in your Australian Super at the moment.","start":172.11,"end":183.065,"sentiment":"neutral","sentiment_score":0.08571016637142748},{"text":"They have increased them where they were.","start":183.065,"end":185.00499,"sentiment":"neutral","sentiment_score":0.009930580854415894},{"text":"With the difference in Australian Super, we are looking to roll over more than what we have.","start":186.105,"end":190.345,"sentiment":"neutral","sentiment_score":0.01836066465715275}],"sentiment":"neutral","sentiment_score":0.05046438116077629,"num_words":63,"start":168.03,"end":190.345},{"sentences":[{"text":"We still just wanna retain 10,000 and then retain your insurances.","start":190.345,"end":193.86,"sentiment":"neutral","sentiment_score":0.24501264637166803},{"text":"So we'd be rolling out 40,603 and 69¢ into Netwealth and depositing that within your portfolio, completing the switch to reduce any of the underperforming investments, and switching you into that lower risk portfolio.","start":194.56,"end":208.595,"sentiment":"neutral","sentiment_score":0.27125234495509754},{"text":"The capital gains is slightly different.","start":209.695,"end":211.695,"sentiment":"neutral","sentiment_score":0.04901256660620371},{"text":"So, obviously, CGT is an effect.","start":211.695,"end":214.275,"sentiment":"neutral","sentiment_score":0.06768601636091869},{"text":"The CGT, based on this updated document, is showing 2,635 in the original document in March.","start":215.05501,"end":223.70001,"sentiment":"neutral","sentiment_score":0.10187739273533225}],"sentiment":"neutral","sentiment_score":0.19412078159964746,"num_words":73,"start":190.345,"end":223.70001},{"sentences":[{"text":"It was about 2041.","start":223.70001,"end":225.94,"sentiment":"neutral","sentiment_score":0.048953025601804256},{"text":"So it's only a slight difference in the CGT effect to have the changes, and that's because there has been an increase in some of those investments over time.","start":225.94,"end":234.04001,"sentiment":"neutral","sentiment_score":0.08779666444350934},{"text":"Okay?","start":234.075,"end":234.575,"sentiment":"neutral","sentiment_score":0.13050636649131775},{"text":"The the newer portfolio is still cheaper.","start":236.315,"end":239.375,"sentiment":"positive","sentiment_score":0.4959759456770761},{"text":"Investment fees in the last document, we were saving $602.","start":239.435,"end":243.915,"sentiment":"neutral","sentiment_score":0.28977658450603483}],"sentiment":"neutral","sentiment_score":0.18121606279529778,"num_words":51,"start":223.70001,"end":243.915},{"sentences":[{"text":"In this document, we're saving 751.","start":243.915,"end":246.795,"sentiment":"positive","sentiment_score":0.3461375782887141},{"text":"So it's an additional saving on investment fees of a $149.","start":246.795,"end":250.93001,"sentiment":"positive","sentiment_score":0.361866371198134},{"text":"I did look at the CGT for a full sell down.","start":251.15001,"end":255.39,"sentiment":"neutral","sentiment_score":0.16704012656753714},{"text":"If you were to sell down the entire portfolio, the CGT is showing a little over $6,343.","start":255.39,"end":263.575,"sentiment":"neutral","sentiment_score":0.2040106408736285},{"text":"So the CGT to do the switch is still much better for you, and because of the other savings, we can make that money back nice and quick.","start":263.635,"end":271.095,"sentiment":"positive","sentiment_score":0.5814436652830669}],"sentiment":"positive","sentiment_score":0.3786767187387976,"num_words":73,"start":243.915,"end":271.095},{"sentences":[{"text":"Okay?","start":271.155,"end":271.655,"sentiment":"neutral","sentiment_score":0.21639256179332733},{"text":"All good.","start":273.075,"end":273.73502,"sentiment":"positive","sentiment_score":0.5914985239505768},{"text":"The other thing to note is sorry.","start":274.595,"end":276.935,"sentiment":"neutral","sentiment_score":-0.06833714033876147},{"text":"As I said, we are reducing your risk profile from growth to more balanced.","start":277.61,"end":281.47,"sentiment":"neutral","sentiment_score":-0.031713073541011126},{"text":"That is increasing defensive assets to about 34.85% from where they are at the moment, which is 19%.","start":281.69,"end":288.49,"sentiment":"neutral","sentiment_score":0.10296753173073132}],"sentiment":"neutral","sentiment_score":0.05548719449767044,"num_words":42,"start":271.155,"end":288.49},{"sentences":[{"text":"So you're bringing your risk level down a little bit.","start":288.49,"end":291.21,"sentiment":"neutral","sentiment_score":0.09232940524816513},{"text":"We reduced the growth investment to 80.32 to 65.15%.","start":291.21,"end":296.625,"sentiment":"neutral","sentiment_score":0.1878547403547499},{"text":"So bringing yourself down a little bit, which is good.","start":296.685,"end":299.425,"sentiment":"positive","sentiment_score":0.6162586838006974},{"text":"The ongoing service fee is a little bit higher because we are moving money from Australian sleeper and into net wealth.","start":299.725,"end":305.725,"sentiment":"neutral","sentiment_score":0.08222107074799992},{"text":"That projected amount for the year is $5,435.","start":306.205,"end":310.39,"sentiment":"neutral","sentiment_score":0.17145216092467308}],"sentiment":"neutral","sentiment_score":0.20473850563425441,"num_words":58,"start":288.49,"end":310.39},{"sentences":[{"text":"It's 1.65% of the balance, but that's in smaller monthly increments, and I've got your ongoing service agreement attached to that email for you to have a look at as well.","start":310.61002,"end":319.73,"sentiment":"neutral","sentiment_score":0.1748114168163269},{"text":"Okay?","start":319.73,"end":320.23,"sentiment":"neutral","sentiment_score":0.05204247683286667},{"text":"No change to the cost of the insurance premiums.","start":321.315,"end":323.655,"sentiment":"neutral","sentiment_score":-0.15750504616234037},{"text":"The only other difference is, obviously, the projected outcomes and markets have been a bit up and down this year.","start":324.035,"end":329.17502,"sentiment":"neutral","sentiment_score":-0.2797409527003765},{"text":"The five year rolling average that the growth portfolio has, it has averaged about 8.56% on a yearly basis.","start":330.11502,"end":338.21,"sentiment":"neutral","sentiment_score":-0.06060426525379482}],"sentiment":"neutral","sentiment_score":-0.03365811388939619,"num_words":80,"start":310.61002,"end":338.21},{"sentences":[{"text":"The balanced portfolio, while for reducing risk, still has been a greater five years past performance.","start":338.43,"end":344.29,"sentiment":"neutral","sentiment_score":0.18023526947945356},{"text":"It's averaged about 9.68%.","start":344.66998,"end":347.23,"sentiment":"neutral","sentiment_score":0.1426628977060318},{"text":"So projecting that forward, we can still sort of estimate you to be a bit over $600,000 in ten years, which is still putting you on a good track so long as the portfolio can obtain that kind of return regularly.","start":347.23,"end":359.665,"sentiment":"positive","sentiment_score":0.5700570308580631},{"text":"Okay?","start":360.045,"end":360.545,"sentiment":"neutral","sentiment_score":0.1309821605682373},{"text":"Keep in mind, I like to make sure projections are just the projection.","start":362.38,"end":365.76,"sentiment":"neutral","sentiment_score":0.027333762496709824}],"sentiment":"positive","sentiment_score":0.36417433654268583,"num_words":75,"start":338.43,"end":365.76},{"sentences":[{"text":"Markets go up and down, and none of us could have predicted what was gonna happen this year.","start":365.9,"end":370.24,"sentiment":"neutral","sentiment_score":-0.2138205882575777},{"text":"And we definitely don't know what's gonna happen next year, but I wanna review that with you more regularly.","start":370.78,"end":375.68,"sentiment":"neutral","sentiment_score":-0.03561616159583393},{"text":"Did you want me to do a catch up in three months, six months?","start":376.38,"end":379.425,"sentiment":"neutral","sentiment_score":-0.002065071037837437},{"text":"What would you like to see, Belinda?","start":379.425,"end":381.205,"sentiment":"neutral","sentiment_score":0.031214191977466856},{"text":"Did did you want three or six?","start":384.225,"end":385.745,"sentiment":"neutral","sentiment_score":0.015376788297934192}],"sentiment":"neutral","sentiment_score":-0.06505002756244861,"num_words":65,"start":365.9,"end":385.745},{"sentences":[{"text":"Sorry.","start":385.745,"end":386.245,"sentiment":"neutral","sentiment_score":-0.015655767172574997},{"text":"Three months?","start":389.185,"end":389.82498,"sentiment":"neutral","sentiment_score":0.016437978483736515},{"text":"Yep.","start":389.82498,"end":390.145,"sentiment":"neutral","sentiment_score":0.12573514878749847},{"text":"Perfect.","start":390.145,"end":390.645,"sentiment":"neutral","sentiment_score":0.2981118857860565},{"text":"It goes it goes in my calendar and my administration team's calendar, so they will give you a call.","start":390.91998,"end":396.22,"sentiment":"neutral","sentiment_score":0.18634069985465}],"sentiment":"neutral","sentiment_score":0.1658975217336168,"num_words":24,"start":385.745,"end":396.22},{"sentences":[{"text":"As soon as it pops into their calendar to call you, I'll make it every three months trailing.","start":396.28,"end":401.1,"sentiment":"neutral","sentiment_score":0.15330549288127157},{"text":"And if you find that you need something a little bit more often, just let us know.","start":401.63998,"end":405.82,"sentiment":"neutral","sentiment_score":0.03718588775133386},{"text":"If I'm available, I'll always take the call off the cuff.","start":406.065,"end":409.105,"sentiment":"neutral","sentiment_score":-0.046872896565632385},{"text":"If I'm not, my team will book you in for the next available, and I do work up until 07:00 some night.","start":409.105,"end":414.70502,"sentiment":"neutral","sentiment_score":0.00742643614384261},{"text":"So more than happy to stay back and take calls after work before work, whatever you need to make sure we're looking after you moving forward.","start":414.70502,"end":422.3,"sentiment":"neutral","sentiment_score":0.15398044568987992}],"sentiment":"neutral","sentiment_score":0.07492479026079812,"num_words":94,"start":396.28,"end":422.3},{"sentences":[{"text":"Okay?","start":422.36,"end":422.86,"sentiment":"neutral","sentiment_score":0.0776127278804779},{"text":"All good.","start":423.87997,"end":424.78,"sentiment":"positive","sentiment_score":0.5878027379512787},{"text":"Perfect.","start":425.0,"end":425.5,"sentiment":"positive","sentiment_score":0.6924450397491455},{"text":"Have a read to the document.","start":426.12,"end":427.31998,"sentiment":"positive","sentiment_score":0.3365949789683024},{"text":"Let me know if there's any questions that come out of it.","start":427.31998,"end":430.12,"sentiment":"neutral","sentiment_score":0.2335507906973362}],"sentiment":"neutral","sentiment_score":0.3076292093504559,"num_words":22,"start":422.36,"end":430.12},{"sentences":[{"text":"And if you're comfortable to do so, I'll get you a sign and return that back so we can have the changes implemented nice and quick for you.","start":430.12,"end":436.75998,"sentiment":"positive","sentiment_score":0.34492543818695204},{"text":"Okay?","start":436.75998,"end":437.25998,"sentiment":"neutral","sentiment_score":0.1165524125099182},{"text":"Yep.","start":438.255,"end":438.755,"sentiment":"neutral","sentiment_score":0.13027526438236237},{"text":"Yep.","start":440.095,"end":440.595,"sentiment":"neutral","sentiment_score":0.11309169977903366},{"text":"Beautiful.","start":441.85498,"end":442.35498,"sentiment":"positive","sentiment_score":0.4687437415122986}],"sentiment":"neutral","sentiment_score":0.32770548085682094,"num_words":32,"start":430.12,"end":442.35498},{"sentences":[{"text":"Easy.","start":442.57498,"end":443.07498,"sentiment":"positive","sentiment_score":0.3772377371788025},{"text":"The only other thing I just have to let you know is your ID has expired on file.","start":443.29498,"end":447.13498,"sentiment":"neutral","sentiment_score":0.03499712029265033},{"text":"Under AML, we do have to have updated ID.","start":447.13498,"end":449.79498,"sentiment":"neutral","sentiment_score":0.012484637399514517},{"text":"So I'm gonna get my team just to send you a text message shortly.","start":449.85498,"end":453.67,"sentiment":"neutral","sentiment_score":0.06797841217901025},{"text":"If you can just, when you've got some time, take a a photo of your driver's license and send it to us.","start":453.67,"end":458.47,"sentiment":"neutral","sentiment_score":0.06309622560035098}],"sentiment":"neutral","sentiment_score":0.05405253707431257,"num_words":64,"start":442.57498,"end":458.47},{"sentences":[{"text":"We just have to update it on file for you as well.","start":458.47,"end":461.29,"sentiment":"neutral","sentiment_score":0.07171359347800414},{"text":"Okay.","start":461.35,"end":461.85,"sentiment":"neutral","sentiment_score":0.07120992988348007},{"text":"All good.","start":463.285,"end":463.685,"sentiment":"neutral","sentiment_score":0.2586165964603424},{"text":"Do you have any questions or any concerns or anything you wanted to bring up with me today?","start":463.685,"end":467.76498,"sentiment":"neutral","sentiment_score":0.06737507693469524},{"text":"Or no?","start":467.76498,"end":469.865,"sentiment":"neutral","sentiment_score":0.04352744109928608}],"sentiment":"neutral","sentiment_score":0.07853750033038003,"num_words":35,"start":458.47,"end":469.865},{"sentences":[{"text":"Easy.","start":470.325,"end":470.805,"sentiment":"neutral","sentiment_score":0.2565714716911316},{"text":"Beautiful.","start":470.805,"end":471.305,"sentiment":"neutral","sentiment_score":0.32799676060676575},{"text":"I'll pop that in the calendar then, make sure the team touch base in three months.","start":471.365,"end":474.805,"sentiment":"neutral","sentiment_score":0.20254407171159983},{"text":"If there's anything that comes out of that, let me know.","start":474.805,"end":477.225,"sentiment":"neutral","sentiment_score":0.09852447022091258},{"text":"I did send you an email a few weeks back, so you've got my email there.","start":477.43,"end":480.71,"sentiment":"neutral","sentiment_score":0.118257537484169}],"sentiment":"neutral","sentiment_score":0.1511369589302275,"num_words":45,"start":470.325,"end":480.71},{"sentences":[{"text":"You're welcome to email me if anything comes up and I'm not available, or just give me a call if any questions come out as well.","start":480.71,"end":486.87,"sentiment":"neutral","sentiment_score":0.12348439136090186},{"text":"Okay.","start":486.87,"end":487.37,"sentiment":"neutral","sentiment_score":0.10887397825717926},{"text":"Easy.","start":489.525,"end":490.025,"sentiment":"neutral","sentiment_score":0.1519239842891693},{"text":"That's okay.","start":490.245,"end":490.965,"sentiment":"positive","sentiment_score":0.4953099638223648},{"text":"Thank you so much for your time today.","start":490.965,"end":492.725,"sentiment":"positive","sentiment_score":0.8635139539837837}],"sentiment":"neutral","sentiment_score":0.2992137815117052,"num_words":38,"start":480.71,"end":492.725},{"sentences":[{"text":"I hope your day gets better.","start":492.725,"end":494.345,"sentiment":"positive","sentiment_score":0.7241164048512777},{"text":"Oh, good.","start":497.85687,"end":498.33685,"sentiment":"positive","sentiment_score":0.612385481595993},{"text":"I'll talk to you soon, Belinda.","start":498.33685,"end":499.53687,"sentiment":"positive","sentiment_score":0.4889656603336334},{"text":"Thank you so much for taking my call.","start":499.53687,"end":501.55685,"sentiment":"positive","sentiment_score":0.6951501816511154},{"text":"See you later.","start":501.85687,"end":502.75687,"sentiment":"neutral","sentiment_score":0.12672293186187744}],"sentiment":"positive","sentiment_score":0.5777853441238403,"num_words":25,"start":492.725,"end":502.75687},{"sentences":[{"text":"Bye.","start":503.37686,"end":503.87686,"sentiment":"neutral","sentiment_score":-0.1173177808523178}],"sentiment":"neutral","sentiment_score":-0.1173177808523178,"num_words":1,"start":503.37686,"end":503.87686}]}}]},{"alternatives":[{"transcript":"Linda speaking. Oh, it's not bad. How are you? Oh, shit. I'm working out of Canberra this week. Yeah. So I'm not home. And I'm just trying to get a plan drawn, and this I've been on it since 7AM this morning trying to get this CAD file sorted. But anyway oh god. It's just been so bloody busy. Anyway. Yeah. It's not too not too bad today. It's a little bit windy. The wind's a bit cool, but it's a nice sunny day. Mhmm. Yep. Yeah. No worries at all. My computer's frozen at the moment. Been doing it all bloody morning. Yeah. So I haven't even had time to check it out. Have I gone up or down with my super since March? Yeah. Yeah. Yeah. Yeah. What's my balance at the moment? I've also been on the phone to a broker this morning about buying a a house and selling the other two. Yeah. Yep. Yeah. Yep. Yep. Ross. Yep. Yep. Yeah. Yep. Yes. Mhmm. Yes. Yeah. Yeah. Yeah. Yeah. That'd be great. Yep. We'll go three, I think. Yeah. Mhmm. Yeah. Yeah. No worries. Yeah. Yeah. No worries at all. Alright. Not a problem. Beautiful. Yeah. Yeah. I'll have a look at them over the weekend and get back to you on that. Yeah. Alright. Mhmm. Yep. Yeah. No worries at all. Beautiful. No. That's that's great. Yeah. Alright. Cool. Thanks for that. Thanks. Okay. Righto. No worries. 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Oh, it's not bad. How are you? Oh, shit. I'm working out of Canberra this week.\n\nYeah. So I'm not home. And I'm just trying to get a plan drawn, and this I've been on it since 7AM this morning trying to get this CAD file sorted. But anyway oh god. It's just been so bloody busy.\n\nAnyway. Yeah. It's not too not too bad today. It's a little bit windy. The wind's a bit cool, but it's a nice sunny day.\n\nMhmm. Yep. Yeah. No worries at all. My computer's frozen at the moment.\n\nBeen doing it all bloody morning. Yeah. So I haven't even had time to check it out. Have I gone up or down with my super since March? Yeah.\n\nYeah. Yeah. Yeah. What's my balance at the moment? I've also been on the phone to a broker this morning about buying a a house and selling the other two.\n\nYeah. Yep. Yeah. Yep. Yep.\n\nRoss. Yep. Yep. Yeah. Yep.\n\nYes. Mhmm. Yes. Yeah. Yeah.\n\nYeah. Yeah. That'd be great. Yep. We'll go three, I think.\n\nYeah. Mhmm. Yeah. Yeah. No worries.\n\nYeah. Yeah. No worries at all. Alright. Not a problem.\n\nBeautiful. Yeah. Yeah. I'll have a look at them over the weekend and get back to you on that. Yeah.\n\nAlright. Mhmm. Yep. Yeah. No worries at all.\n\nBeautiful. No. That's that's great. Yeah. Alright.\n\nCool. Thanks for that. Thanks. Okay. Righto.\n\nNo worries. Bye.","paragraphs":[{"sentences":[{"text":"Linda speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.03155164420604706},{"text":"Oh, it's not bad.","start":5.3599997,"end":6.24,"sentiment":"neutral","sentiment_score":0.30906008183956146},{"text":"How are you?","start":6.24,"end":6.98,"sentiment":"positive","sentiment_score":0.3386754095554352},{"text":"Oh, shit.","start":10.88,"end":11.54,"sentiment":"neutral","sentiment_score":-0.19099315255880356},{"text":"I'm working out of Canberra this week.","start":17.475,"end":19.895,"sentiment":"neutral","sentiment_score":-0.05218480367745672}],"sentiment":"neutral","sentiment_score":0.08711610630982453,"num_words":18,"start":0.24,"end":19.895},{"sentences":[{"text":"Yeah.","start":21.795,"end":22.275,"sentiment":"neutral","sentiment_score":-0.04391944408416748},{"text":"So I'm not home.","start":22.275,"end":23.494999,"sentiment":"neutral","sentiment_score":-0.09467636793851852},{"text":"And I'm just trying to get a 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great.","start":468.15,"end":469.45,"sentiment":"neutral","sentiment_score":0.08272172634800275},{"text":"Yeah.","start":487.285,"end":487.71,"sentiment":"neutral","sentiment_score":0.12250511348247528},{"text":"Alright.","start":488.03,"end":488.35,"sentiment":"neutral","sentiment_score":0.22184543311595917}],"sentiment":"neutral","sentiment_score":0.0984292346984148,"num_words":7,"start":467.11002,"end":488.35},{"sentences":[{"text":"Cool.","start":488.35,"end":488.85,"sentiment":"positive","sentiment_score":0.4076091647148132},{"text":"Thanks for that.","start":488.91,"end":489.88998,"sentiment":"positive","sentiment_score":0.6193361679712931},{"text":"Thanks.","start":496.11,"end":496.50998,"sentiment":"positive","sentiment_score":0.6812281608581543},{"text":"Okay.","start":496.50998,"end":497.00998,"sentiment":"positive","sentiment_score":0.4420000612735748},{"text":"Righto.","start":499.97693,"end":500.47693,"sentiment":"positive","sentiment_score":0.6175028085708618}],"sentiment":"positive","sentiment_score":0.5723355284758976,"num_words":7,"start":488.35,"end":500.47693},{"sentences":[{"text":"No worries.","start":501.81693,"end":502.47693,"sentiment":"neutral","sentiment_score":0.07604097947478294},{"text":"Bye.","start":502.93692,"end":503.43692,"sentiment":"neutral","sentiment_score":0.17383569478988647}],"sentiment":"neutral","sentiment_score":0.10863921791315079,"num_words":3,"start":501.81693,"end":503.43692}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Linda speaking.\n\nChannel 0: Hi, Belinda. It's Dana from Okie Financial. How are you today?\n\nChannel 1: Oh, it's not bad. How are you?\n\nChannel 0: I'm very well. Thank you. How's your morning been?\n\nChannel 1: Oh, shit.\n\nChannel 0: Oh, really? I'm so sorry. Oh, I'm I had to\n\nChannel 1: I'm\n\nChannel 0: book\n\nChannel 1: working\n\nChannel 0: in just\n\nChannel 1: out\n\nChannel 0: a run.\n\nChannel 1: of Canberra this week.\n\nChannel 0: Oh, are you?\n\nChannel 1: Yeah. So I'm not home. And\n\nChannel 0: Yeah.\n\nChannel 1: I'm just trying to get a plan drawn, and this I've been on it since 7AM this morning trying to get this CAD file sorted. But anyway\n\nChannel 0: Oh, goodness me. Well, hopefully, your day\n\nChannel 1: oh\n\nChannel 0: gets\n\nChannel 1: god.\n\nChannel 0: a bit\n\nChannel 1: It's just\n\nChannel 0: better.\n\nChannel 1: been so bloody busy.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway.\n\nChannel 0: And it'll be freezing in Canberra as well. It's hardly cold down there\n\nChannel 1: Yeah.\n\nChannel 0: this time\n\nChannel 1: It's\n\nChannel 0: of year.\n\nChannel 1: not too not too bad today. It's a little bit windy. The wind's a bit cool, but it's a nice sunny day.\n\nChannel 0: Oh, that's good. That's excellent. Oh, good. Well, I'll try not to take up too much of your time, but I just updated the advice document for you and had it sent through to your email.\n\nChannel 1: Mhmm.\n\nChannel 0: Obviously, there's no real change to the recommendations there, but because of the time between March to now, there has been a little bit of a change in some of the the cost side of it. So I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to kinda go through that with you just to sort of update it, and then you're welcome to go back and have another read of the document. Let me know if there is any additional questions there. Okay?\n\nChannel 1: Yeah. No worries at all.\n\nChannel 0: All good. I have emailed it to you. Are you able to open the email? If you can't, that's honestly okay.\n\nChannel 1: My computer's frozen at the moment.\n\nChannel 0: Oh, that's okay. Not an issue at\n\nChannel 1: Been\n\nChannel 0: all.\n\nChannel 1: doing it\n\nChannel 0: If\n\nChannel 1: all\n\nChannel 0: you're\n\nChannel 1: bloody morning.\n\nChannel 0: no. That's okay. I love technology when it works. When it doesn't, I tell you what, not a good thing.\n\nChannel 1: Yeah. So I haven't even had time to check it out. Have I gone up or down with my super since\n\nChannel 0: So at the moment yeah. Look. You have definitely gone up. So\n\nChannel 1: March?\n\nChannel 0: when we kind of look at the balances between then to now, you've definitely increased. Things have gone up. Better Long hasn't really increased in any way, shape, or form, so removing that investment is still the best way to go. This invest this investment switch is still exactly as it was. We are looking to reduce your risk level.\n\nSo you are in that growth environment now with that 80\n\nChannel 1: Yeah.\n\nChannel 0: percent in growth investment. We're still looking to reduce you down to that balanced area. Are you still comfortable reducing that risk level and dropping\n\nChannel 1: Yeah.\n\nChannel 0: your risk down to that balanced\n\nChannel 1: Yeah.\n\nChannel 0: environment?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: What's my balance\n\nChannel 0: Yep.\n\nChannel 1: at the moment?\n\nChannel 0: So balance at the moment, we have sorry. Let me just go back up to the section. I have it all in front of me. It's just on a different page, and my computer's a little bit slow today. Here we go.\n\nChannel 1: I've\n\nChannel 0: Okay.\n\nChannel 1: also\n\nChannel 0: Is\n\nChannel 1: been\n\nChannel 0: it\n\nChannel 1: on\n\nChannel 0: balance?\n\nChannel 1: the phone to a broker this morning about buying a a house and selling the other two.\n\nChannel 0: Yeah. Wow. You've had a lot going on.\n\nChannel 1: Yeah.\n\nChannel 0: In your net wealth, so for your balance, as of yesterday when we did the document, you're up to 284,400, and you've got 50,000 sitting in your Australian Super at the moment.\n\nChannel 1: Yep.\n\nChannel 0: They have\n\nChannel 1: Yeah.\n\nChannel 0: increased them where they were. With the difference in Australian Super, we are looking to roll over more than what we have. We still just wanna retain 10,000 and then retain your insurances. So we'd be rolling out 40,603 and 69¢ into Netwealth and depositing that within your portfolio,\n\nChannel 1: Yep.\n\nChannel 0: completing the switch to reduce any of the underperforming investments, and switching you into that lower risk portfolio.\n\nChannel 1: Yep.\n\nChannel 0: The capital gains is slightly different. So, obviously, CGT is an effect. The CGT, based on this updated document, is showing 2,635 in the original document in March. It was about 2041. So it's only a slight difference in the CGT effect to have the changes, and that's because there has been an increase in some of those investments over time.\n\nOkay?\n\nChannel 1: Ross.\n\nChannel 0: The the newer portfolio is still cheaper. Investment fees in the last document, we were saving $602. In this document, we're saving 751. So it's an additional saving on investment fees of a $149.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I did look at the CGT for a full sell down. If you were to sell down the entire portfolio, the CGT is showing a little over $6,343. So the CGT to do the switch is still much better for you, and because of the other savings, we can make that money back nice and quick. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: All good. The other thing to note is sorry. As I said, we are reducing your risk profile from growth to more balanced. That is increasing defensive assets to about 34.85% from where they are at the moment, which is 19%. So you're bringing your risk level down a little bit.\n\nWe reduced the growth investment to 80.32 to 65.15%. So\n\nChannel 1: Yes.\n\nChannel 0: bringing yourself down a little bit, which is good. The ongoing service fee is a little bit higher because we are moving money from Australian sleeper and into net wealth. That projected amount for the year is $5,435. It's 1.65% of the balance, but that's in smaller monthly increments, and I've got your ongoing service agreement attached to that email for you to have a look at as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: No change to the cost of the insurance premiums. The only other difference is, obviously, the projected outcomes and markets have been a bit up and down this year. The five year rolling average that the growth portfolio has, it has averaged about 8.56% on a yearly basis. The balanced portfolio, while for reducing risk, still has been a greater five years past performance. It's averaged about 9.68%.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: projecting that forward, we can still sort of estimate you to be a bit over $600,000 in ten years, which is still putting you on a good track so long as the portfolio can obtain that kind of return regularly. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Keep in mind, I like to make sure projections are just the projection. Markets go up and down, and none of us could have predicted what was gonna happen this year.\n\nChannel 1: Yeah.\n\nChannel 0: And we definitely don't know what's gonna happen next year, but I wanna review that with you more regularly. Did you want me to do a catch up in three months, six months? What would you like to see, Belinda?\n\nChannel 1: Yeah. That'd be great. Yep.\n\nChannel 0: Did did you want three or six? Sorry.\n\nChannel 1: We'll go three, I think.\n\nChannel 0: Three months? Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: It goes it goes in my calendar and my administration team's calendar, so they will give you a call. As soon as it pops into their calendar to call you, I'll make it every three months trailing. And\n\nChannel 1: Mhmm.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: you find that you need something a little bit more often, just let us know. If I'm\n\nChannel 1: Yeah.\n\nChannel 0: available,\n\nChannel 1: No worries.\n\nChannel 0: I'll always take the call off the cuff. If I'm not, my team will book you in for the next available, and I do work up until 07:00 some night. So more than happy to stay back and take calls after work before work, whatever\n\nChannel 1: Yeah.\n\nChannel 0: you need to make sure\n\nChannel 1: Yeah.\n\nChannel 0: we're looking\n\nChannel 1: No worries\n\nChannel 0: after\n\nChannel 1: at\n\nChannel 0: you\n\nChannel 1: all.\n\nChannel 0: moving forward.\n\nChannel 1: Alright.\n\nChannel 0: Okay?\n\nChannel 1: Not a problem.\n\nChannel 0: All\n\nChannel 1: Beautiful.\n\nChannel 0: good. Perfect. Have a read to the document. Let me know if there's any questions that come out of it. And if you're comfortable to do so, I'll get you a sign and return that back so we can have the changes implemented nice and quick for you.\n\nOkay?\n\nChannel 1: Yeah. Yeah. I'll have a look\n\nChannel 0: Yep.\n\nChannel 1: at them over the weekend and get\n\nChannel 0: Yep.\n\nChannel 1: back to you on that. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright.\n\nChannel 0: Easy. The only other thing I just have to let you know is your ID has expired on file. Under AML, we do have to have updated ID. So\n\nChannel 1: Mhmm.\n\nChannel 0: I'm gonna get my team just to send you a text message shortly. If you can just, when you've got some time, take a a photo of your driver's license and send it to\n\nChannel 1: Yep.\n\nChannel 0: us. We just have to update it on file for you as well. Okay.\n\nChannel 1: Yeah. No worries at all.\n\nChannel 0: All good. Do you have any questions or any concerns or anything you wanted to bring up with\n\nChannel 1: Beautiful.\n\nChannel 0: me today? Or\n\nChannel 1: No. That's that's great.\n\nChannel 0: no? Easy. Beautiful. I'll pop that in the calendar then, make sure the team touch base in three months. If there's anything that comes out of that, let me know.\n\nI did send you an email a few weeks back, so you've got my email there. You're welcome to email me if anything comes up and I'm not available, or just give me a call if any questions come out as well. Okay.\n\nChannel 1: Yeah. Alright. Cool. Thanks for that.\n\nChannel 0: Easy. That's okay. Thank you so much for your time today. I hope your day gets better.\n\nChannel 1: Thanks. Okay.\n\nChannel 0: Oh, good. I'll talk to you soon, Belinda. Thank you so\n\nChannel 1: Righto.\n\nChannel 0: much for taking my call.\n\nChannel 1: No\n\nChannel 0: See\n\nChannel 1: worries.\n\nChannel 0: you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Linda speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.03155164420604706}],"sentiment":"neutral","sentiment_score":0.03155164420604706,"channel":1,"num_words":2,"start":0.24,"end":0.98},{"sentences":[{"text":"Hi, Belinda.","start":1.52,"end":2.32,"sentiment":"neutral","sentiment_score":0.19602960348129272},{"text":"It's Dana from Okie Financial.","start":2.32,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.23233956694602967},{"text":"How are you today?","start":4.08,"end":5.06,"sentiment":"neutral","sentiment_score":0.2754450552165508}],"sentiment":"neutral","sentiment_score":0.24141247841444882,"channel":0,"num_words":11,"start":1.52,"end":5.06},{"sentences":[{"text":"Oh, it's not bad.","start":5.3599997,"end":6.24,"sentiment":"neutral","sentiment_score":0.30906008183956146},{"text":"How are you?","start":6.24,"end":6.98,"sentiment":"positive","sentiment_score":0.3386754095554352}],"sentiment":"neutral","sentiment_score":0.32175236514636446,"channel":1,"num_words":7,"start":5.3599997,"end":6.98},{"sentences":[{"text":"I'm very well.","start":7.2,"end":8.24,"sentiment":"positive","sentiment_score":0.6120469768842062},{"text":"Thank you.","start":8.24,"end":8.72,"sentiment":"positive","sentiment_score":0.6022467315196991},{"text":"How's your morning been?","start":8.72,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.14731119200587273}],"sentiment":"positive","sentiment_score":0.4033199068572786,"channel":0,"num_words":9,"start":7.2,"end":10.0199995},{"sentences":[{"text":"Oh, shit.","start":10.88,"end":11.54,"sentiment":"neutral","sentiment_score":-0.19099315255880356}],"sentiment":"neutral","sentiment_score":-0.19099315255880356,"channel":1,"num_words":2,"start":10.88,"end":11.54},{"sentences":[{"text":"Oh, really?","start":12.08,"end":12.799999,"sentiment":"neutral","sentiment_score":-0.10268469154834746},{"text":"I'm so sorry.","start":12.799999,"end":13.78,"sentiment":"neutral","sentiment_score":-0.21861732006072998},{"text":"Oh, I'm I had to","start":15.235001,"end":17.475,"sentiment":"neutral","sentiment_score":-0.11961341798305511}],"sentiment":"neutral","sentiment_score":-0.14592884331941605,"channel":0,"num_words":10,"start":12.08,"end":17.475},{"sentences":[{"text":"I'm","start":17.475,"end":17.715,"sentiment":"neutral","sentiment_score":-0.09201153367757796}],"sentiment":"neutral","sentiment_score":-0.09201153367757796,"channel":1,"num_words":1,"start":17.475,"end":17.715},{"sentences":[{"text":"book","start":17.475,"end":17.715,"sentiment":"neutral","sentiment_score":-0.12900201976299286}],"sentiment":"neutral","sentiment_score":-0.12900201976299286,"channel":0,"num_words":1,"start":17.475,"end":17.715},{"sentences":[{"text":"working","start":17.715,"end":18.115,"sentiment":"neutral","sentiment_score":-0.06998556852340698}],"sentiment":"neutral","sentiment_score":-0.06998556852340698,"channel":1,"num_words":1,"start":17.715,"end":18.115},{"sentences":[{"text":"in 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has expired on file.","start":443.29498,"end":447.13498,"sentiment":"neutral","sentiment_score":0.03499712029265033},{"text":"Under AML, we do have to have updated ID.","start":447.13498,"end":449.79498,"sentiment":"neutral","sentiment_score":0.012484637399514517},{"text":"So","start":449.85498,"end":450.35498,"sentiment":"neutral","sentiment_score":0.024352435022592545}],"sentiment":"neutral","sentiment_score":0.03944483014016316,"channel":0,"num_words":29,"start":442.57498,"end":450.35498},{"sentences":[{"text":"Mhmm.","start":450.21,"end":450.615,"sentiment":"neutral","sentiment_score":0.037322647869586945}],"sentiment":"neutral","sentiment_score":0.037322647869586945,"channel":1,"num_words":1,"start":450.21,"end":450.615},{"sentences":[{"text":"I'm gonna get my team just to send you a text message shortly.","start":450.47,"end":453.67,"sentiment":"neutral","sentiment_score":0.07133425657565777},{"text":"If you can just, when you've got some time, take a a photo of your driver's license and send it to","start":453.67,"end":458.07,"sentiment":"neutral","sentiment_score":0.06315462628290766}],"sentiment":"neutral","sentiment_score":0.06628213198307682,"channel":0,"num_words":34,"start":450.47,"end":458.07},{"sentences":[{"text":"Yep.","start":458.055,"end":458.555,"sentiment":"neutral","sentiment_score":0.06874869763851166}],"sentiment":"neutral","sentiment_score":0.06874869763851166,"channel":1,"num_words":1,"start":458.055,"end":458.555},{"sentences":[{"text":"us.","start":458.07,"end":458.47,"sentiment":"neutral","sentiment_score":0.06186981126666069},{"text":"We just have to update it on file for you as well.","start":458.47,"end":461.29,"sentiment":"neutral","sentiment_score":0.07171359347800414},{"text":"Okay.","start":461.35,"end":461.85,"sentiment":"neutral","sentiment_score":0.07120992988348007}],"sentiment":"neutral","sentiment_score":0.07097449020615645,"channel":0,"num_words":14,"start":458.07,"end":461.85},{"sentences":[{"text":"Yeah.","start":461.41498,"end":461.735,"sentiment":"neutral","sentiment_score":0.07546370476484299},{"text":"No worries at all.","start":461.735,"end":462.79498,"sentiment":"neutral","sentiment_score":0.10170198790729046}],"sentiment":"neutral","sentiment_score":0.09645433127880096,"channel":1,"num_words":5,"start":461.41498,"end":462.79498},{"sentences":[{"text":"All good.","start":463.285,"end":463.685,"sentiment":"neutral","sentiment_score":0.2586165964603424},{"text":"Do you have any questions or any concerns or anything you wanted to bring up with","start":463.685,"end":467.205,"sentiment":"neutral","sentiment_score":0.07115990133024752}],"sentiment":"neutral","sentiment_score":0.09198842301136917,"channel":0,"num_words":18,"start":463.285,"end":467.205},{"sentences":[{"text":"Beautiful.","start":467.11002,"end":467.61002,"sentiment":"neutral","sentiment_score":0.11496394872665404}],"sentiment":"neutral","sentiment_score":0.11496394872665404,"channel":1,"num_words":1,"start":467.11002,"end":467.61002},{"sentences":[{"text":"me today?","start":467.205,"end":467.76498,"sentiment":"neutral","sentiment_score":0.03709648177027702},{"text":"Or","start":467.76498,"end":468.165,"sentiment":"neutral","sentiment_score":0.010803896933794022}],"sentiment":"neutral","sentiment_score":0.028332286824782688,"channel":0,"num_words":3,"start":467.205,"end":468.165},{"sentences":[{"text":"No.","start":467.91,"end":468.15,"sentiment":"neutral","sentiment_score":-0.018475031480193135},{"text":"That's that's great.","start":468.15,"end":469.45,"sentiment":"neutral","sentiment_score":0.08272172634800275}],"sentiment":"neutral","sentiment_score":0.05742253689095378,"channel":1,"num_words":4,"start":467.91,"end":469.45},{"sentences":[{"text":"no?","start":469.365,"end":469.865,"sentiment":"neutral","sentiment_score":0.07625098526477814},{"text":"Easy.","start":470.325,"end":470.805,"sentiment":"neutral","sentiment_score":0.2565714716911316},{"text":"Beautiful.","start":470.805,"end":471.305,"sentiment":"neutral","sentiment_score":0.32799676060676575},{"text":"I'll pop that in the calendar then, make sure the team touch base in three months.","start":471.365,"end":474.805,"sentiment":"neutral","sentiment_score":0.20254407171159983},{"text":"If there's anything that comes out of that, let me know.","start":474.805,"end":477.225,"sentiment":"neutral","sentiment_score":0.09852447022091258}],"sentiment":"neutral","sentiment_score":0.1661764512459437,"channel":0,"num_words":30,"start":469.365,"end":477.225},{"sentences":[{"text":"I did send you an email a few weeks back, so you've got my email there.","start":477.43,"end":480.71,"sentiment":"neutral","sentiment_score":0.118257537484169},{"text":"You're welcome to email me if anything comes up and I'm not available, or just give me a call if any questions come out as well.","start":480.71,"end":486.87,"sentiment":"neutral","sentiment_score":0.12348439136090186},{"text":"Okay.","start":486.87,"end":487.37,"sentiment":"neutral","sentiment_score":0.10887397825717926}],"sentiment":"neutral","sentiment_score":0.12119973845086819,"channel":0,"num_words":43,"start":477.43,"end":487.37},{"sentences":[{"text":"Yeah.","start":487.285,"end":487.71,"sentiment":"neutral","sentiment_score":0.12250511348247528},{"text":"Alright.","start":488.03,"end":488.35,"sentiment":"neutral","sentiment_score":0.22184543311595917},{"text":"Cool.","start":488.35,"end":488.85,"sentiment":"positive","sentiment_score":0.4076091647148132},{"text":"Thanks for that.","start":488.91,"end":489.88998,"sentiment":"positive","sentiment_score":0.6193361679712931}],"sentiment":"positive","sentiment_score":0.4349947025378545,"channel":1,"num_words":6,"start":487.285,"end":489.88998},{"sentences":[{"text":"Easy.","start":489.525,"end":490.025,"sentiment":"neutral","sentiment_score":0.1519239842891693},{"text":"That's okay.","start":490.245,"end":490.965,"sentiment":"positive","sentiment_score":0.4953099638223648},{"text":"Thank you so much for your time today.","start":490.965,"end":492.725,"sentiment":"positive","sentiment_score":0.8635139539837837},{"text":"I hope your day gets better.","start":492.725,"end":494.345,"sentiment":"positive","sentiment_score":0.7241164048512777}],"sentiment":"positive","sentiment_score":0.7291384689948138,"channel":0,"num_words":17,"start":489.525,"end":494.345},{"sentences":[{"text":"Thanks.","start":496.11,"end":496.50998,"sentiment":"positive","sentiment_score":0.6812281608581543},{"text":"Okay.","start":496.50998,"end":497.00998,"sentiment":"positive","sentiment_score":0.4420000612735748}],"sentiment":"positive","sentiment_score":0.5616141110658646,"channel":1,"num_words":2,"start":496.11,"end":497.00998},{"sentences":[{"text":"Oh, good.","start":497.85687,"end":498.33685,"sentiment":"positive","sentiment_score":0.612385481595993},{"text":"I'll talk to you soon, Belinda.","start":498.33685,"end":499.53687,"sentiment":"positive","sentiment_score":0.4889656603336334},{"text":"Thank you so","start":499.53687,"end":500.09686,"sentiment":"positive","sentiment_score":0.755983809630076}],"sentiment":"positive","sentiment_score":0.5842287594621832,"channel":0,"num_words":11,"start":497.85687,"end":500.09686},{"sentences":[{"text":"Righto.","start":499.97693,"end":500.47693,"sentiment":"positive","sentiment_score":0.6175028085708618}],"sentiment":"positive","sentiment_score":0.6175028085708618,"channel":1,"num_words":1,"start":499.97693,"end":500.47693},{"sentences":[{"text":"much for taking my call.","start":500.09686,"end":501.55685,"sentiment":"positive","sentiment_score":0.658650004863739}],"sentiment":"positive","sentiment_score":0.658650004863739,"channel":0,"num_words":5,"start":500.09686,"end":501.55685},{"sentences":[{"text":"No","start":501.81693,"end":501.97693,"sentiment":"neutral","sentiment_score":0.016358904540538788}],"sentiment":"neutral","sentiment_score":0.016358904540538788,"channel":1,"num_words":1,"start":501.81693,"end":501.97693},{"sentences":[{"text":"See","start":501.85687,"end":502.09686,"sentiment":"neutral","sentiment_score":0.04470239579677582}],"sentiment":"neutral","sentiment_score":0.04470239579677582,"channel":0,"num_words":1,"start":501.85687,"end":502.09686},{"sentences":[{"text":"worries.","start":501.97693,"end":502.47693,"sentiment":"neutral","sentiment_score":0.1357230544090271}],"sentiment":"neutral","sentiment_score":0.1357230544090271,"channel":1,"num_words":1,"start":501.97693,"end":502.47693},{"sentences":[{"text":"you later.","start":502.09686,"end":502.75687,"sentiment":"neutral","sentiment_score":0.16773319989442825}],"sentiment":"neutral","sentiment_score":0.16773319989442825,"channel":0,"num_words":2,"start":502.09686,"end":502.75687},{"sentences":[{"text":"Bye.","start":502.93692,"end":503.43692,"sentiment":"neutral","sentiment_score":0.17383569478988647}],"sentiment":"neutral","sentiment_score":0.17383569478988647,"channel":1,"num_words":1,"start":502.93692,"end":503.43692},{"sentences":[{"text":"Bye.","start":503.37686,"end":503.87686,"sentiment":"neutral","sentiment_score":-0.1173177808523178}],"sentiment":"neutral","sentiment_score":-0.1173177808523178,"channel":0,"num_words":1,"start":503.37686,"end":503.87686}]},"summary":{"result":"success","short":"Okie Financial representative updates Belinda on her investment plan, which is reducing risk levels and decreasing their profile from growth to more balanced. They are moving money from Australian sleeper to net wealth and reducing risk. The risk profile is reducing from growth to more balanced and the ongoing service fee is higher. The agent advises the customer to expect a call in three months and reminds them to update their ID and send a photo of their driver's license. The call ends with the agent thanking the customer for their time and saying goodbye."},"intents":{"segments":[{"text":"Well, I'll try not to take up too much of your time, but I just updated the advice document for you and had it sent through to your email. Mhmm.","start_word":159,"end_word":188,"intents":[{"intent":"Update advice document","confidence_score":0.31839153}]},{"text":"So I haven't even had time to check it out. Have I gone up or down with my super since So at the moment yeah. Look.","start_word":337,"end_word":362,"intents":[{"intent":"Identify difficulty checking balance","confidence_score":0.000004998288}]},{"text":"Have I gone up or down with my super since So at the moment yeah. Look.","start_word":347,"end_word":362,"intents":[{"intent":"Explain financial situation","confidence_score":0.009190204}]},{"text":"This invest this investment switch is still exactly as it was. We are looking to reduce your risk level. So you are in that growth environment now with that 80 Yeah.","start_word":411,"end_word":441,"intents":[{"intent":"Inquire about investment switch progress","confidence_score":0.00047495644}]},{"text":"What's my balance Yep. at the moment?","start_word":478,"end_word":484,"intents":[{"intent":"Clarify balance","confidence_score":0.034632944},{"intent":"Confirm balance","confidence_score":0.032656923}]},{"text":"We still just wanna retain 10,000 and then retain your insurances. So we'd be rolling out 40,603 and 69<unk> into Netwealth and depositing that within your portfolio, Yep.","start_word":620,"end_word":647,"intents":[{"intent":"Retain and invest","confidence_score":0.13693209},{"intent":"Educate about portfolio size","confidence_score":1.0490566e-8}]},{"text":"The other thing to note is sorry. As I said, we are reducing your risk profile from growth to more balanced. That is increasing defensive assets to about 34.85% from where they are at the moment, which is 19%. So you're bringing your risk level down a little bit. We reduced the growth investment to 80.32 to 65.15%. So Yes.","start_word":826,"end_word":885,"intents":[{"intent":"Reduce risks","confidence_score":0.018711003}]},{"text":"The balanced portfolio, while for reducing risk, still has been a greater five years past performance. It's averaged about 9.68%.","start_word":1005,"end_word":1024,"intents":[{"intent":"Review portfolio performance","confidence_score":0.16367057}]},{"text":"Did you want me to do a catch up in three months, six months?","start_word":1121,"end_word":1134,"intents":[{"intent":"Schedule follow-up call","confidence_score":0.03869666}]},{"text":"If I'm not, my team will book you in for the next available, and I do work up until 07:00 some night. So more than happy to stay back and take calls after work before work, whatever Yeah.","start_word":1236,"end_word":1273,"intents":[{"intent":"Schedule meeting","confidence_score":0.01135788}]}]},"sentiments":{"segments":[{"text":"Linda speaking. Hi, Belinda. It's Dana from Okie Financial. How are you today? Oh, it's not bad.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.23299217224121097},{"text":"How are you? I'm very well. Thank you.","start_word":17,"end_word":24,"sentiment":"positive","sentiment_score":0.5186026692390442},{"text":"How's your morning been? Oh, shit. Oh, really? I'm so sorry. Oh, I'm I had to book I'm in working just a out run. of Canberra this week. Oh, are you? Yeah. So I'm not home. And Yeah. I'm just trying to get a plan drawn, and this I've been on it since 7AM this morning trying to get this CAD file sorted. But anyway Oh, goodness me. Well, hopefully, your day gets oh god. a bit It's better. just been so bloody busy. Yeah. Anyway. And it'll be freezing in Canberra as well. It's hardly cold down there Yeah. this time It's of year. not too not too bad today. It's a little bit windy. The wind's a bit cool, but it's a nice sunny day.","start_word":25,"end_word":151,"sentiment":"neutral","sentiment_score":-0.015459598042070866},{"text":"Oh, that's good. That's excellent.","start_word":152,"end_word":156,"sentiment":"positive","sentiment_score":0.4669632315635681},{"text":"Oh, good. Well, I'll try not to take up too much of your time, but I just updated the advice document for you and had it sent through to your email. Mhmm. Obviously, there's no real change to the recommendations there, but because of the time between March to now, there has been a little bit of a change in some of the the cost side of it. So I just Yep. wanted to kinda go through that with you just to sort of update it, and then you're welcome to go back and have another read of the document. Let me know if there is any additional questions there. Okay? Yeah. No worries at all. All good. I have emailed it to you. Are you able to open the email? If you can't, that's honestly okay.","start_word":157,"end_word":293,"sentiment":"neutral","sentiment_score":0.03314061090350151},{"text":"My computer's frozen at the moment.","start_word":294,"end_word":299,"sentiment":"negative","sentiment_score":-0.4084059000015259},{"text":"Oh, that's okay. Not an issue at Been all. doing it If all you're bloody morning. no. That's okay.","start_word":300,"end_word":318,"sentiment":"neutral","sentiment_score":-0.06663484126329422},{"text":"I love technology when it works.","start_word":319,"end_word":324,"sentiment":"positive","sentiment_score":0.3873217701911926},{"text":"When it doesn't, I tell you what, not a good thing.","start_word":325,"end_word":335,"sentiment":"negative","sentiment_score":-0.38609790802001953},{"text":"Yeah. So I haven't even had time to check it out. Have I gone up or down with my super since So at the moment yeah. Look. You have definitely gone up. So March? when we kind of look at the balances between then to now, you've definitely increased. Things have gone up. Better Long hasn't really increased in any way, shape, or form, so removing that investment is still the best way to go. This invest this investment switch is still exactly as it was. We are looking to reduce your risk level. So you are in that growth environment now with that 80 Yeah. percent in growth investment. We're still looking to reduce you down to that balanced area. Are you still comfortable reducing that risk level and dropping Yeah. your risk down to that balanced Yeah. environment? Yeah. Yep. What's my balance Yep. at the moment? So balance at the moment, we have sorry. Let me just go back up to the section. I have it all in front of me. It's just on a different page, and my computer's a little bit slow today. Here we go. I've Okay. also Is been it on balance? the phone to a broker this morning about buying a a house and selling the other two. Yeah. Wow. You've had a lot going on. Yeah. In your net wealth, so for your balance, as of yesterday when we did the document, you're up to 284,400, and you've got 50,000 sitting in your Australian Super at the moment. Yep. They have Yeah. increased them where they were. With the difference in Australian Super, we are looking to roll over more than what we have. We still just wanna retain 10,000 and then retain your insurances. So we'd be rolling out 40,603 and 69<unk> into Netwealth and depositing that within your portfolio, Yep. completing the switch to reduce any of the underperforming investments, and switching you into that lower risk portfolio. Yep. The capital gains is slightly different. So, obviously, CGT is an effect. The CGT, based on this updated document, is showing 2,635 in the original document in March. It was about 2041. So it's only a slight difference in the CGT effect to have the changes, and that's because there has been an increase in some of those investments over time. Okay? Ross.","start_word":336,"end_word":729,"sentiment":"neutral","sentiment_score":0.04676934168733146},{"text":"The the newer portfolio is still cheaper.","start_word":730,"end_word":736,"sentiment":"positive","sentiment_score":0.4990493357181549},{"text":"Investment fees in the last document, we were saving $602. In this document, we're saving 751. So it's an additional saving on investment fees of a $149. Yep. Yep. I did look at the CGT for a full sell down.","start_word":737,"end_word":776,"sentiment":"neutral","sentiment_score":0.2853713929653168},{"text":"If you were to sell down the entire portfolio, the CGT is showing a little over $6,343. So the CGT to do the switch is still much better for you, and because of the other savings, we can make that money back nice and quick.","start_word":777,"end_word":821,"sentiment":"positive","sentiment_score":0.42057037353515625},{"text":"Okay? Yeah.","start_word":822,"end_word":823,"sentiment":"neutral","sentiment_score":0.24845239520072937},{"text":"Yep. All good.","start_word":824,"end_word":826,"sentiment":"positive","sentiment_score":0.45949316024780273},{"text":"The other thing to note is sorry. As I said, we are reducing your risk profile from growth to more balanced. That is increasing defensive assets to about 34.85% from where they are at the moment, which is 19%. So you're bringing your risk level down a little bit. We reduced the growth investment to 80.32 to 65.15%.","start_word":827,"end_word":884,"sentiment":"neutral","sentiment_score":0.07366840541362762},{"text":"So Yes. bringing yourself down a little bit, which is good.","start_word":885,"end_word":895,"sentiment":"positive","sentiment_score":0.6209045648574829},{"text":"The ongoing service fee is a little bit higher because we are moving money from Australian sleeper and into net wealth. That projected amount for the year is $5,435. It's 1.65% of the balance, but that's in smaller monthly increments, and I've got your ongoing service agreement attached to that email for you to have a look at as well. Okay? Mhmm. No change to the cost of the insurance premiums. The only other difference is, obviously, the projected outcomes and markets have been a bit up and down this year. The five year rolling average that the growth portfolio has, it has averaged about 8.56% on a yearly basis. The balanced portfolio, while for reducing risk, still has been a greater five years past performance. It's averaged about 9.68%.","start_word":896,"end_word":1024,"sentiment":"neutral","sentiment_score":0.04515562137199003},{"text":"So Yes. projecting that forward, we can still sort of estimate you to be a bit over $600,000 in ten years, which is still putting you on a good track so long as the portfolio can obtain that kind of return regularly.","start_word":1025,"end_word":1066,"sentiment":"positive","sentiment_score":0.5653522610664368},{"text":"Okay? Yeah. Yeah. Keep in mind, I like to make sure projections are just the projection. Markets go up and down, and none of us could have predicted what was gonna happen this year. Yeah. And we definitely don't know what's gonna happen next year, but I wanna review that with you more regularly. Did you want me to do a catch up in three months, six months? What would you like to see, Belinda? Yeah. That'd be great. Yep. Did did you want three or six? Sorry. We'll go three, I think. Three months? Yep. Perfect. Yeah. It goes it goes in my calendar and my administration team's calendar, so they will give you a call. As soon as it pops into their calendar to call you, I'll make it every three months trailing. And Mhmm. if Yeah. you find that you need something a little bit more often, just let us know. If I'm Yeah. available, No worries. I'll always take the call off the cuff. If I'm not, my team will book you in for the next available, and I do work up until 07:00 some night. So more than happy to stay back and take calls after work before work, whatever Yeah. you need to make sure Yeah. we're looking No worries after at you all. moving forward. Alright. Okay? Not a problem.","start_word":1067,"end_word":1293,"sentiment":"neutral","sentiment_score":0.04604094557562589},{"text":"All Beautiful. good. Perfect.","start_word":1294,"end_word":1297,"sentiment":"positive","sentiment_score":0.6767656207084656},{"text":"Have a read to the document. Let me know if there's any questions that come out of it. And if you're comfortable to do so, I'll get you a sign and return that back so we can have the changes implemented nice and quick for you. Okay? Yeah. Yeah. I'll have a look Yep. at them over the weekend and get Yep. back to you on that. Yeah.","start_word":1298,"end_word":1365,"sentiment":"neutral","sentiment_score":0.2414495348930359},{"text":"Beautiful.","start_word":1366,"end_word":1366,"sentiment":"positive","sentiment_score":0.4687437415122986},{"text":"Alright.","start_word":1367,"end_word":1367,"sentiment":"neutral","sentiment_score":0.3154430091381073},{"text":"Easy.","start_word":1368,"end_word":1368,"sentiment":"positive","sentiment_score":0.3772377371788025},{"text":"The only other thing I just have to let you know is your ID has expired on file. Under AML, we do have to have updated ID. So Mhmm. I'm gonna get my team just to send you a text message shortly. If you can just, when you've got some time, take a a photo of your driver's license and send it to Yep. us. We just have to update it on file for you as well. Okay. Yeah. No worries at all. All good. Do you have any questions or any concerns or anything you wanted to bring up with Beautiful. me today? Or No. That's that's great. no? Easy. Beautiful. I'll pop that in the calendar then, make sure the team touch base in three months. If there's anything that comes out of that, let me know. I did send you an email a few weeks back, so you've got my email there. You're welcome to email me if anything comes up and I'm not available, or just give me a call if any questions come out as well. Okay. Yeah. Alright.","start_word":1369,"end_word":1552,"sentiment":"neutral","sentiment_score":0.0955028235912323},{"text":"Cool. Thanks for that. Easy. That's okay. Thank you so much for your time today. I hope your day gets better. Thanks. Okay. Oh, good. I'll talk to you soon, Belinda. Thank you so Righto. much for taking my call.","start_word":1553,"end_word":1592,"sentiment":"positive","sentiment_score":0.615091685205698},{"text":"No See worries. you later. Bye. Bye.","start_word":1593,"end_word":1599,"sentiment":"neutral","sentiment_score":0.13554273545742035}],"average":{"sentiment":"neutral","sentiment_score":0.11057328412877047}}}}