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Before I go any further, I just do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? And, Darren, can I please ask you to confirm your full name, date of birth, and address, please? Fantastic. Thank you. How are you doing today, Darren? Yes. That's good. The purpose of my call is just to complete out in your review. Do you have time to do that now? Yeah? Oh, fantastic. Before I jump into it, what I'd like to do is just check-in and see if there's been any significant changes for you financially or personally that you'd like to focus on. No? No? That's okay. That's alright. If it's okay with you, I might run through some of the information that we hold on file just to make sure that it is still current and relevant to you. Is that okay? Fantastic. Darren, I have your spouse and next of kin noted as Cassandra Turner. Is that still correct? Yep. And I have here that you have three dependents. Are they minors 18? Yep. Okay. No worries at all. And I have you here as an electrician. Are you still an electrician for Mars Group? Is that correct? Lovely. And full time? Is that thirty eight hours a week? Yeah. And your in yep. Nothing's changed? The only the only stuff I can I can skip through that? The only stuff I do really need to confirm is probably just your income and assets and liabilities. Is that okay? I'll keep it brief. Income at $1.20? Yeah. Expenditure and savings, the same as last time. Yeah. And I have your home valued at 900,000. Would that still be correct? And about 5,000 owing on your home. Yeah. Fantastic. And a credit card of 5,000. Is that the balance or the the limit? Okay. Okay. Oh, thank you. Thank you so much for that. Sorry about that. I know that you had some personal investments. Are they still applicable? You've got some shares with Colonial First State, some cash, some LemonX shares. Yeah? Okay. I'll leave all those as is. And then just with your goals and objectives, I just wanna check and see if they're still current very briefly before I send you through the information. You did say in your last review that you wanted to buy another property in around five years and travel around Australia, including the Northern Territory? Yeah. Okay. And you'd like to get a Caravan for Cassandra and yourself? You got it. Congratulations. Lovely. Have you had the chance to use it yet? Oh, that's good. And you wanted to get an investment property to rent out? Okay. Mhmm. Okay. Let me have a look because I'm gonna run while I run through these questions, because I am an adviser, so I can have a look at this as well. If you do you mind giving me a couple of minutes just to read through quickly? Or I can actually do a post if you like, and I can come back to you and save you some time because it could take me a little bit. Would you like me to come back to you? I've got I've got a big note here to come back to you. I do you want me to do that in an email or a phone call? Mhmm. Mhmm. Okay. Let so that's okay. Leave that with me. I'm gonna look into that. So that was the beginning of this year. Yeah. K. Leave that with I'll do some investigation, and I will definitely come I promise I will come back to you. Alright. Okay. So the investment property, is that off the cards now? Changes? Yep. Yep. Okay. Yep. That's okay. Leave that one with me. With your, you just want you said you had stated you wanna get as much possible out of it gross wise as possible. Is that still correct? Yep. And you is your goal to still retire at age 60 with $1,500 per week? Yes. Yep. Okay. Alright. Well, we're definitely at that stage where we need to start looking and planning for that. We have you down as a growth investor, which we might have a squeeze at in a second. I'm gonna shoot I'm gonna send you through a you'll receive an email from myself that has out the review pack that we're gonna talk through on it or attached to it, I should I should say. And what we might do is start looking at that retirement planning and what we need to do now to bring that into fruition. So I've just hit send, so it should pop up in your emails momentarily. And when you do open that, it'll come, it'll say it'll have a sign link. Click here to sign. If you just click that, it will you're not signing anything at the moment. You'll just open the the documents that we're gonna walk through. Do you have that open? Oh, okay. Yep. That's alright. Alright. Is that all opened up? No. Please don't apologize. Absolutely fine. Fantastic. So the first document you should see is a summary of your super and insurance. Is that right? Yeah? It's just a very high level overview. Your supers with hub twenty four. It's sitting at $757,111 rounded up, and you've got your life and TPD insurance sitting at a sum insured of 59,617 thousand each. And that premium of $630.88 per annum is taken from your hub twenty four account. The next document along is your twelve month performance history with hub twenty four. The first thing that I am going to draw or first discussion piece I'm gonna draw your attention to is that first one, the Bennelong Strain Equities Fund. You'll see that it has had an underperforming value. The reason for that and the first the reason for my first point of discussion with this is that, at the moment, all the clients that we're speaking with is we are reviewing the Banna Long Australian Equities Fund within all clients' portfolios, and that's a company wide decision. So the reason being is that Bennelong's investment mandate dictates that they look for undervalued companies within the Australian share market for potential growth opportunities. Now in the last few months, Bennelong has had a turnaround and a kickback, which is great. But due to the fact that it was a systemic ongoing issue, we're not comfortable retaining it in client portfolios. We're not reactive to underperformance. So if if a fund does underperform, that's expected as part of a portfolio on the way that the market behaves. But when it becomes a long term or an ongoing scenario, that's when we look at the the value of holding it within the portfolio. So the company as a company, we've reached the decision that we are not comfortable holding it in client's portfolios, and we do want to look at alternatives that still help you meet your goals and objectives that are retiring at 60 with an income of $1,500 per week. But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that. Yeah. The other one that I'd wanted to review in your portfolio is the third one down. You'll see that it's the Beta Bank hybrid ETF. Now there's nothing wrong with that investment itself. It forms part of the defensive allocation of your portfolio. The reason why I wanna review it is that from January 2027, the Australian banking system is phasing out hybrids. So that means that those investments will no longer be available. I don't know what it looks like come January 2027. So the clients that I'm working with, I'm taking a proactive approach to act now because I just don't know what the future holds in relation to what's what the banks are gonna offer as a replacement for those investments. So if you're comfortable with that, I would also look at I'd like to take a look at potential alternative. The third one down, the beta bank hybrid ETF. So at the moment, you have approximately 70 4 thousand. Yep. It hasn't you know, gross wise, we don't expect a lot of growth from defensive assets. Income wise, it's it's done well. There's nothing particularly wrong with it. It's just the uncertain future of it that I'm not comfortable with. I don't know what's gonna be what's gonna replace it. So I'd rather be a little bit more proactive now while it is still doing well because I just don't know what the next few months hold. Is that okay with you? Yeah. Okay. Fantastic. That's yep. Mhmm. No. So and that's due to the Bennelong Fund. So the overall performance of your portfolio has been impacted by that Bennelong Fund, the one at the top. The you so the internal rate of return even with Bennelong for the last twelve months has been 5%. If I look at your projected out internal next twelve months, it's gonna be significantly higher. But that's that's why we wanna look at even even as I mentioned before, Bennelong has turned around and they are now not underperforming. It's not something that we're willing to risk keeping in a portfolio for our clients moving forward. So in relation to your portfolio, and then I guess another consideration we need to make is or discuss is that you are invested as a growth investor. So what that means is that we would typically see 80% of your funds invested in the growth assets. So that's like the Australian shares, international shares, listed property, and the 20% sitting in cash and, like, the bank hybrid option, for example, or fixed interest. Now as your I your retirement date is five years away, it doesn't have to be this review. But at some point, what we would need to do is start looking at that allocation and whether we look at reducing some to defensive assets, more to defensive assets as you get closer to 60 so that the income producing assets are there as well as the growth. And we it'll we call it a bucket, basically. You don't want to sell any gross assets to fund your retirement income. We always want your gross assets sitting there growing, producing income, doing both while your defensive assets is producing more of an income to top up that bucket to fund your income need of $1,500 per week. So we don't need to look at probably changing any of that allocation now. You're still five years out. But I would say within the next maybe the next review, we'd start looking at getting closer to it. But definitely by three years out, I would want to start looking at reducing well, increasing a little bit more of your assets to defensive or just to start building that cash reserve for impending retirement. Does that make sense? Okay. Fantastic. The rest of your portfolio is actually doing quite well. You're got a lot of diversification. They get in there. You've got some niche markets being your global agriculture, your global cyber, and some physical gold along with the the iShares S and P 500, so you're American for US exposure. And you also have the Australian fixed interest in there, which is the nice defensive portion as well. I'm pretty happy with your portfolio. I'm gonna review it as a whole anyhow, but I'm definitely gonna look at the Benelon and the hybrid, and I'll have a look at if there's any other tweaks that need to be made just to make sure that it works in with your retirement goals. Mhmm. Drawing from your super? Yep. Leave that with me. That's something that I would we would need to model out. So you had drawing on 1,500. I guess that's another question I wanted to ask. Cassandra. How old Cassandra? Yep. Okay. And that's $1,500. Is that for you only or for you combined? Does Cassandra plan on retiring when you are 60? Yeah. Yeah. So that yeah. So I think probably there's a couple of factors in there that we need to really consider because Cassandra, depending on what her superannuation balance is, and if she can't access her till 60, so she's behind you. So in relation to that, if she was to retire when you were 60, is that $1,500 for you both, or is it gonna need to be more? Because we may need to supplement it from your superannuation until Cassandra reaches the age of 60, whereas then we'd look at reducing your drawdown and increasing Cassandra's. So there's a couple of factors there for retirement for us to consider on how you both want to or how you you see it occurring. Because it for me to be able to model it out, I can definitely model it out on $1,500 a week, $8.60 for you. It doesn't take into account the other factors that I just from a holistic point of view, what, as a family, what you and Cassandra wanna achieve. So that's okay. Did you want me to put that in an email for something? It doesn't you don't need to come back to me anytime soon because we don't need to discuss it in this review. What I will do is I will model out 60 to 1,500, but just something that you and Cassandra can have a chat about as retirement draws closer of what it is that you really, really want to. Is that okay? Okay. Yes. Yeah. Yeah. Mhmm. Ingeo Superfund? Hang on. Just let me jump into Hub 24 now while I've got you. Give me one second. Yeah. Yep. Give me one second to jump in. I just don't have that report handy. So if I jump in live, I can actually see what you're talking to, and then we can chat about that. Okay. So that's July and September of this year? Yep. '6 of the '9. Yep. Yep. So that's our advice fee. That's correct. Correct. That is the 1.6 5%. Yeah. Yep. So that that totaled out is the annual fee. So that times 12 is the annual fee. Yep. So that is the expense recovery fee is the superannuation platform. So what they do is they estimate out the fees. And what it is is the superannuation, if there's a shortfall in it, in administrative costs on the superannuation fund, for example, that shortfall is calculated once a year. So there was a shortfall of $45.12 in fees payable to hub twenty four for the admin or potentially even investment fees, but they don't give us details to that, and that's what that is. Is. It's very common. Yes. Correct. So if you look at that performance chart or document there, if you look at each of those funds, they all charge what they call as an investment fee. That's the total of those investment fees across your whole entire portfolio. Not purchasing for the management. So let's use Bannalong, for example, because it's at the top. They have a fee per month, so it's usually a percent based fee. It might be point eight three or something, for example. I can get the exact one for you. And that's charged monthly for the and that's the investment fund manager. So every single client that holds any exposure to the Benelon Australian Equity Fund pays that fee. So that covers their administration, basically. The moving well, the administration, basically. They're moving well, the research they conduct to buy into specific investments, it's the same across every single fund. So each fund will have a different will charge a different fee. Typically, the ETF, so those bottom six that you have exposure to, those fees are typically less than a managed fund, which is your Benelon and ClearBridge above. So an ETF and it's the investment manager's fee. So that return that I gave you before of 5%, that's after all of typically see typically see a return of between seven to nine percent. We would want to see with one in every five years being negative. Now where it's the last twelve months has definitely fallen short of that, and that is due to the. If we if we project out sorry. I'll I can do all these figures afterwards and it in an email for you. But the the underperformance if, let's say, for example, Bennelong hadn't been in there, Bennelong's per has been a great performer in the past and has probably helped really provide some significant growth in the past to your portfolio. Unfortunately, in the last twelve months, it has let us down, and that's why we are looking to alternatives for a replacement. Any other questions about the investments or fees or anything that you you need you want me to clarify or provide information on? Yeah. You've got it down as growth. Yep. Yep. Yeah. We we say, yeah, seven to nine, so that's 8% the middle ground. Yep. So yep. Oh, no. No. No. I was just gonna say, did you have any other questions that I can help? Yeah. Yeah. Mhmm. Yeah. Yeah. And I understand that. So if we looked at it at the beginning of twelve months and doing a $100, we would expect the return to sit at about 14%. So the about 14%. If we looked at your beginning your opening balance twelve months ago being $6.94 500, if we expected a $100 on top of that in gross and income, so the two combined, we'd be looking at somewhat of a return of 14% to get that figure. You know, the last few years have been fruitful for a lot of us, especially post COVID. Markets really did and even in COVID, the recovery, markets really did do great things for a a lot of us. However, an ongoing return of about 14% each year is not ideally it's not realistic. But if we what I did if what I do is look at an annualized return let me have a look. If you just give me one sec. If we look at let's have a look. So we'll do it in calendar years. So if we go back What I'm gonna do is have a look at the annualized returns over time. I think sometimes myself guilty of it as well is we do look at the one year return as opposed to the long term return. Because from year to year, it's gonna vary depending on how what's going on in the world. So our yeah. Yeah. So if we look at the annual return for the last five years, so your portfolio so this is specific to your portfolio. The annualized return is sitting at 9.98% per year over the five years with a total return of 46.39%. So we're always gonna get that volatility this year. It's maybe one of the lower years that we're going to experience it, and I can send a report to you. But over the last five years, it your annualized average out return is 9.98%. So it is sitting where we want it to over the long term. We can go further back if you'll if if that if you need if you would like some more clarity because I know that information is key. When people have the information, it helps make informed decisions. So I'm happy to provide as much information as you need for comfort as well. So I'm pretty happy with that return being 9.98% averaged out over the five years. Hasn't yes. I agree. Your account hasn't hit the mark this year. Been along being one of the factors. Interest rates, not only in Australia, worldwide with America as well, inflation, the cost of living, petrol prices, all those all those elements have really played into account this year. But in my view, it's really been the banner long account that has let us down in relation to performance of your portfolio. I agree. I agree. So the that's definitely on my hit list to action for you. The next document is a Vanguard index chart. You've probably seen this many times or something similar. It just shows you market behavior. So you'll see along the top your events, worldwide events, and how the market has it has reacted to those, and then, again, how it recovers. Those top four on the right hand side is your growth assets. So as mentioned before, you've got 80% exposure to those. And the bottom two is your defensive income doesn't provide your portfolio as much growth. It's designed there to help in times of volatility to still produce income when the market takes a bit of a tank. So are you comfortable for this year to keep following that 80% exposure, 20%, or did you wanna look at starting to decrease it knowing that that will also decrease your return over the next twelve months? Yes. That is absolutely fine. Because I think I think you still have time on your hands at the moment to still take that growth approach with at least within the next two years of looking at just increasing a little bit of exposure to defensive assets. Yeah. Okay. The next document is your certificate of currency. So that's your insurance with Clearview just showing that it is in force. The question I probably wanted to ask here is it's a small amount of cover. It's not cover it's not costing you much in relation to premiums. Is there a reason given that you have very little debt that you're maintaining this cover? Mhmm. Yep. Yep. Yep. Yep. Absolutely. Yep. I completely understand. Just wanted to touch base and check-in on that. There is always usually a reason why somebody wants to maintain that cover, and that is absolutely fine. I just wanted to check and make sure that it depends. So the cover you have here is what we call underwritten cover. So when you applied for this cover with Clearview, there would have been a question on the application form that says, do you hold any other life TPD cover? If you didn't if you didn't at that point in time, that's absolutely fine. You are able to 100% have multiple life covers. But with underwritten cover, it needs to be taken into consideration by the underwriters. So given your low levels of cover, it's it was it'd be unlikely to be an issue. But, typically, if you held, for example, an industry fund, so if you have let's call it what's one of the most common ones? Q super, for example, and you have a life insurance policy in there that's group cover, they would look at that, the insurers, and one and say, see if the need was there to pay out. So you can have more than one. It just depends what your what type you're talking about and whether it had been considered. The ETUs. Is that, like, your employer an employment scheme? Yeah. Okay. And the ETU, what what is that? Sorry? Yep. Okay. Yep. So that wouldn't come into play anyway with regards to life insurance. No. No. No. No. Because that's with your union. That's that's completely separate to what we manage. Like, that would not impact a life insurance policy that you have here or external. That I would need to probably have a look at that a little bit further just to see. I don't think there'd be any significant issues. When did you get that cover? Oh, they paid for it? You're employer? Okay. Alright. What I might do is if you have a statement of any kind, I can put it on an email when I email it through to you. If you do have a statement of any kind, I would like to have a look at that just to make sure there's no impacts to you. I don't there would be, but I can't say categorically if there is or isn't. So I'll just put that on my notes for me to check-in with you. The next document is your financial services guide. It's in the past. It explains who we are, you know, the guide, the license by and how to make a complaint. And then the next document is your ongoing oh, yeah. That's fine. Oh, I'm not in there yet. I've not long started with Oaktree, so I think so. Yeah. Yep. So I've been an adviser for gosh. Oh, I don't even wanna say I'm an adviser for Oakview, but I've only just started with Oakview in the last few months. But I have been an adviser for, I would say, about fifteen years. So I've I've, you know, I've I've got some experience under my belt to work with you, so don't worry. Just to give you some what do they call it? Yes. That's the word. Thank you. The next document in that after the FSG, we'll call it, is the fee document, which looks like it hasn't been completed correctly. If I'm looking at that, I'm gonna have to get that reissued to you because I don't know what the fee is. So it's it will be a fixed rate for it a fixed rate fee. So you'll you said earlier, the 1.65%. What we have done, is and you would have seen it throughout your portfolio is when the portfolio is down, the fee is down. When it's up, the fee is up. When it's a percent based fee. What we've done is that doesn't provide a lot of transparency for clients. And, also, when the market's up, there's no reason why we be paid more. That's just, you know, us doing our job. So what moving forward, it won't be a percent base fee. It will be a fixed fee. So that fixed fee will be don't know. It's not there. But I will definitely email you afterwards. And it will then be divided by 12, and that's the fee that will come out every single month. So there will be no variance. So each twelve months, you'll know what your fee is gonna be when you sign off on it. So I will make sure that that is fixed up, and I get that sent through to you. And then the last number the last document in the pack is the option to provide your tax file number. So what this form is is it shows you that we have your tax file number on file, and that's from when we set up your your superannuation. Bless you. And it you're welcome. And it's just you noting that you understand that we do hold it on file for you. Well, we hold it on file. So that's your authority there. But what I'm gonna ask you to do is do not sign anything on this pack because that fee information is not correct. And I'm going to get I'll get that pack reissued to you at some point today, but I will send you an email with all the other things that we've talked about first and then let you know when that next pack's coming. So, basically, with the the fee form and the tax file number form, I'll need your signature on. What the fees cover, again, is your review. But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out. So let's say, for example, in six months' time, you know, after the Christmas break, you and Cassandra have had a chance to sit down and have a chat about what retirement looks like, and you've got a better picture of it, shoot me an email, pick up the phone, we'll book in a time, we'll hash out it we'll hash it out and start looking at building what that looks like because it may be different to what we talked about today. So you're not limited to your annual reviews. Your your fee covers the ongoing advice. So things change. We understand that, and we're here to support you along that path. Okay? Any questions? Fantastic. The only other one thing I wanted to ask you, Darren, is with your superannuation and the reason why I asked about your children before is you've got Cassandra and your three children noted as beneficiaries. Now with Cassandra being paid as a beneficiary of your it's tax free to her. For your two my children, it is also tax free. For your adult child, it will not be tax free. There will be 17% tax applied, and that's yeah. Yeah. Because they don't meet the definition of a financial dependent. So once a child reaches 18, they're no longer considered dependent under the superannuation and the tax laws. So what happens is is 15% is taxed of the amount they receive, then plus 2% for Medicare. So what we look at doing is we always review beneficiaries based on that because children, obviously, grow older. The typically, if you had all adult children, so let's say yesterday something happened, and Cassandra is no longer with us and it was just your children and they're all above 18, typically, what we would recommend or suggest is that you have a will and your superannuation be directed to your will through your estate because your estate would only pay that 15% tax for your children, not the additional 2% for Medicare. So there's probably that's more information for you to consider to tell me what you want me to do with that. Yeah. Yep. Yep. Yep. Yeah. Do you have someone that you can work with for that? Fantastic. Yep. Will they do that for Cassandra as well? Mhmm. Mhmm. Yes. No. That's right. Do they do powers of attorney for you as well? Yeah. So what a power of do you know what a power of attorney does? Yeah. No. That's okay. So, basically, what a power of attorney allows is while you're still alive and if you're ever in a position where you're unable to make decisions for yourself, that document will allow someone to do that for you. Now a lot of people assume your husband and wife are automatically that person. That's not the case. Say, for example, if Cassandra phones us and something had happened to you and you're in hospital and unable to give us any direction, Without that document, we'd be unable to help Cassandra with anything in relation to your super insurance. So that document is extremely important. Same with if you had individual investments in your own name or an individual bank account or even if the the property was in your name and the loan, she would be limited in accessing any of that and and vice versa. So you wouldn't be able to access anything on Cassandra's behalf should you need to if that situation arose. So those two documents go hand in hand, are really, really important. One's basically a living will, if you think about it like that, and the other one is the will for your estate after passing. So they both go hand in hand as equally as important. What I'll do when I send you the email, I'll send you the brochure of the professionals we partner with. I had a chuckle before when you said they asked ridiculous money. I've seen versions of ridiculous money in my time and quotes, and some of it is appalling. These guys these guys are very affordable compared to what I've seen in the past. Should Cassandra not be able to access it through the union, it might be an alternative as well for Cassandra to have it set up. So I'll send it through to you so you've got the information anyway. Yep. Yeah. Oh, I've seen yeah. I've seen some doozies. A 100% I've seen some doozies, so I I know exactly what you're saying. This one, however, when I first looked at it when I first started, I was like, wow. That's actually really reasonable. So, yeah, I think I'll send that through to you for you to have a look at. Either way, hopefully, the union covers Cassandra as well. But, yeah, there's we'll help. We'll cover Cassandra doing her her estate planning as well, hopefully. If not, you do have an alternative there that, you know, can they they can work with you to make sure that they're both set up the way you want it to. With your beneficiaries, are you happy to leave them as they are for the time being in super being 40% to Cassandra and 20 to each child, or do you wanna look at changing that? Yeah. We can deal with that through once a will's in place. Mhmm. Yeah. Yep. Are you and Cassandra sorry to ask this. There's no nice way to ask this. I'm just gonna be blunt. A blended family? Or is it a blended family for all three children your own or, like, together or yep. Okay. Fantastic. That that makes sense. No. The reason I say that is because it just makes the estate planning structure so much more complicated. So for you guys, it should be a pretty straightforward estate plan. There's no hidden when you do come into blended families, there's a lot more structural considerations to be taken into account. So once you guys have that in place, we can look at changing that beneficiary nomination to go in line with whatever's in the will. Beautiful. Lovely. Well, I've got some homework to do. So once I get it's no easy way to ask that. I have yep. A 100%. I can I can attest to that as well? Alright. Well, Lee, I've got some homework to do. I'm gonna send you through an email, and then I'll reissue that fee form and whatnot to you, and we can go from there. But I'd say in about if you've got time now, if we can look forward a couple of weeks, booking in some time to just go through those changes for those investment funds. What about the week beginning the October 12, how are you looking? Any availability? Mhmm. Of course. I can. Yep. Okay. Okay. I do a late on a Thursday, so that will be the fifteenth. So what I might do is put a tentative one in there so no one steals it. And I'll confirm in the email to you that I send later today. Alright. Beautiful. Thanks for your time, Darren. I really do appreciate it, and I will speak to you soon. Okay. Okay. Bye. 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Darren. This is Jenniferning here from Oakview Financial. How are you today? That's good. Before I go any further, I just do need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay? And, Darren, can I please ask you to confirm your full name, date of birth, and address, please? Fantastic. Thank you. How are you doing today, Darren?\n\nYes. That's good. The purpose of my call is just to complete out in your review. Do you have time to do that now? Yeah?\n\nOh, fantastic. Before I jump into it, what I'd like to do is just check-in and see if there's been any significant changes for you financially or personally that you'd like to focus on. No? No? That's okay.\n\nThat's alright. If it's okay with you, I might run through some of the information that we hold on file just to make sure that it is still current and relevant to you. Is that okay? Fantastic. Darren, I have your spouse and next of kin noted as Cassandra Turner.\n\nIs that still correct? Yep. And I have here that you have three dependents. Are they minors 18? Yep.\n\nOkay. No worries at all. And I have you here as an electrician. Are you still an electrician for Mars Group? Is that correct?\n\nLovely. And full time? Is that thirty eight hours a week? Yeah. And your in yep.\n\nNothing's changed? The only the only stuff I can I can skip through that? The only stuff I do really need to confirm is probably just your income and assets and liabilities. Is that okay? I'll keep it brief.\n\nIncome at $1.20? Yeah. Expenditure and savings, the same as last time. Yeah. And I have your home valued at 900,000.\n\nWould that still be correct? And about 5,000 owing on your home. Yeah. Fantastic. And a credit card of 5,000.\n\nIs that the balance or the the limit? Okay. Okay. Oh, thank you. Thank you so much for that.\n\nSorry about that. I know that you had some personal investments. Are they still applicable? You've got some shares with Colonial First State, some cash, some LemonX shares. Yeah?\n\nOkay. I'll leave all those as is. And then just with your goals and objectives, I just wanna check and see if they're still current very briefly before I send you through the information. You did say in your last review that you wanted to buy another property in around five years and travel around Australia, including the Northern Territory? Yeah.\n\nOkay. And you'd like to get a Caravan for Cassandra and yourself? You got it. Congratulations. Lovely.\n\nHave you had the chance to use it yet? Oh, that's good. And you wanted to get an investment property to rent out? Okay. Mhmm.\n\nOkay. Let me have a look because I'm gonna run while I run through these questions, because I am an adviser, so I can have a look at this as well. If you do you mind giving me a couple of minutes just to read through quickly? Or I can actually do a post if you like, and I can come back to you and save you some time because it could take me a little bit. Would you like me to come back to you?\n\nI've got I've got a big note here to come back to you. I do you want me to do that in an email or a phone call? Mhmm. Mhmm. Okay.\n\nLet so that's okay. Leave that with me. I'm gonna look into that. So that was the beginning of this year. Yeah.\n\nK. Leave that with I'll do some investigation, and I will definitely come I promise I will come back to you. Alright. Okay. So the investment property, is that off the cards now?\n\nChanges? Yep. Yep. Okay. Yep.\n\nThat's okay. Leave that one with me. With your, you just want you said you had stated you wanna get as much possible out of it gross wise as possible. Is that still correct? Yep.\n\nAnd you is your goal to still retire at age 60 with $1,500 per week? Yes. Yep. Okay. Alright.\n\nWell, we're definitely at that stage where we need to start looking and planning for that. We have you down as a growth investor, which we might have a squeeze at in a second. I'm gonna shoot I'm gonna send you through a you'll receive an email from myself that has out the review pack that we're gonna talk through on it or attached to it, I should I should say. And what we might do is start looking at that retirement planning and what we need to do now to bring that into fruition. So I've just hit send, so it should pop up in your emails momentarily.\n\nAnd when you do open that, it'll come, it'll say it'll have a sign link. Click here to sign. If you just click that, it will you're not signing anything at the moment. You'll just open the the documents that we're gonna walk through. Do you have that open?\n\nOh, okay. Yep. That's alright. Alright. Is that all opened up?\n\nNo. Please don't apologize. Absolutely fine. Fantastic. So the first document you should see is a summary of your super and insurance.\n\nIs that right? Yeah? It's just a very high level overview. Your supers with hub twenty four. It's sitting at $757,111 rounded up, and you've got your life and TPD insurance sitting at a sum insured of 59,617 thousand each.\n\nAnd that premium of $630.88 per annum is taken from your hub twenty four account. The next document along is your twelve month performance history with hub twenty four. The first thing that I am going to draw or first discussion piece I'm gonna draw your attention to is that first one, the Bennelong Strain Equities Fund. You'll see that it has had an underperforming value. The reason for that and the first the reason for my first point of discussion with this is that, at the moment, all the clients that we're speaking with is we are reviewing the Banna Long Australian Equities Fund within all clients' portfolios, and that's a company wide decision.\n\nSo the reason being is that Bennelong's investment mandate dictates that they look for undervalued companies within the Australian share market for potential growth opportunities. Now in the last few months, Bennelong has had a turnaround and a kickback, which is great. But due to the fact that it was a systemic ongoing issue, we're not comfortable retaining it in client portfolios. We're not reactive to underperformance. So if if a fund does underperform, that's expected as part of a portfolio on the way that the market behaves.\n\nBut when it becomes a long term or an ongoing scenario, that's when we look at the the value of holding it within the portfolio. So the company as a company, we've reached the decision that we are not comfortable holding it in client's portfolios, and we do want to look at alternatives that still help you meet your goals and objectives that are retiring at 60 with an income of $1,500 per week. But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that. Yeah. The other one that I'd wanted to review in your portfolio is the third one down.\n\nYou'll see that it's the Beta Bank hybrid ETF. Now there's nothing wrong with that investment itself. It forms part of the defensive allocation of your portfolio. The reason why I wanna review it is that from January 2027, the Australian banking system is phasing out hybrids. So that means that those investments will no longer be available.\n\nI don't know what it looks like come January 2027. So the clients that I'm working with, I'm taking a proactive approach to act now because I just don't know what the future holds in relation to what's what the banks are gonna offer as a replacement for those investments. So if you're comfortable with that, I would also look at I'd like to take a look at potential alternative. The third one down, the beta bank hybrid ETF. So at the moment, you have approximately 70 4 thousand.\n\nYep. It hasn't you know, gross wise, we don't expect a lot of growth from defensive assets. Income wise, it's it's done well. There's nothing particularly wrong with it. It's just the uncertain future of it that I'm not comfortable with.\n\nI don't know what's gonna be what's gonna replace it. So I'd rather be a little bit more proactive now while it is still doing well because I just don't know what the next few months hold. Is that okay with you? Yeah. Okay.\n\nFantastic. That's yep. Mhmm. No. So and that's due to the Bennelong Fund.\n\nSo the overall performance of your portfolio has been impacted by that Bennelong Fund, the one at the top. The you so the internal rate of return even with Bennelong for the last twelve months has been 5%. If I look at your projected out internal next twelve months, it's gonna be significantly higher. But that's that's why we wanna look at even even as I mentioned before, Bennelong has turned around and they are now not underperforming. It's not something that we're willing to risk keeping in a portfolio for our clients moving forward.\n\nSo in relation to your portfolio, and then I guess another consideration we need to make is or discuss is that you are invested as a growth investor. So what that means is that we would typically see 80% of your funds invested in the growth assets. So that's like the Australian shares, international shares, listed property, and the 20% sitting in cash and, like, the bank hybrid option, for example, or fixed interest. Now as your I your retirement date is five years away, it doesn't have to be this review. But at some point, what we would need to do is start looking at that allocation and whether we look at reducing some to defensive assets, more to defensive assets as you get closer to 60 so that the income producing assets are there as well as the growth.\n\nAnd we it'll we call it a bucket, basically. You don't want to sell any gross assets to fund your retirement income. We always want your gross assets sitting there growing, producing income, doing both while your defensive assets is producing more of an income to top up that bucket to fund your income need of $1,500 per week. So we don't need to look at probably changing any of that allocation now. You're still five years out.\n\nBut I would say within the next maybe the next review, we'd start looking at getting closer to it. But definitely by three years out, I would want to start looking at reducing well, increasing a little bit more of your assets to defensive or just to start building that cash reserve for impending retirement. Does that make sense? Okay. Fantastic.\n\nThe rest of your portfolio is actually doing quite well. You're got a lot of diversification. They get in there. You've got some niche markets being your global agriculture, your global cyber, and some physical gold along with the the iShares S and P 500, so you're American for US exposure. And you also have the Australian fixed interest in there, which is the nice defensive portion as well.\n\nI'm pretty happy with your portfolio. I'm gonna review it as a whole anyhow, but I'm definitely gonna look at the Benelon and the hybrid, and I'll have a look at if there's any other tweaks that need to be made just to make sure that it works in with your retirement goals. Mhmm. Drawing from your super? Yep.\n\nLeave that with me. That's something that I would we would need to model out. So you had drawing on 1,500. I guess that's another question I wanted to ask. Cassandra.\n\nHow old Cassandra? Yep. Okay. And that's $1,500. Is that for you only or for you combined?\n\nDoes Cassandra plan on retiring when you are 60? Yeah. Yeah. So that yeah. So I think probably there's a couple of factors in there that we need to really consider because Cassandra, depending on what her superannuation balance is, and if she can't access her till 60, so she's behind you.\n\nSo in relation to that, if she was to retire when you were 60, is that $1,500 for you both, or is it gonna need to be more? Because we may need to supplement it from your superannuation until Cassandra reaches the age of 60, whereas then we'd look at reducing your drawdown and increasing Cassandra's. So there's a couple of factors there for retirement for us to consider on how you both want to or how you you see it occurring. Because it for me to be able to model it out, I can definitely model it out on $1,500 a week, $8.60 for you. It doesn't take into account the other factors that I just from a holistic point of view, what, as a family, what you and Cassandra wanna achieve.\n\nSo that's okay. Did you want me to put that in an email for something? It doesn't you don't need to come back to me anytime soon because we don't need to discuss it in this review. What I will do is I will model out 60 to 1,500, but just something that you and Cassandra can have a chat about as retirement draws closer of what it is that you really, really want to. Is that okay?\n\nOkay. Yes. Yeah. Yeah. Mhmm.\n\nIngeo Superfund? Hang on. Just let me jump into Hub 24 now while I've got you. Give me one second. Yeah.\n\nYep. Give me one second to jump in. I just don't have that report handy. So if I jump in live, I can actually see what you're talking to, and then we can chat about that. Okay.\n\nSo that's July and September of this year? Yep. '6 of the '9. Yep. Yep.\n\nSo that's our advice fee. That's correct. Correct. That is the 1.6 5%. Yeah.\n\nYep. So that that totaled out is the annual fee. So that times 12 is the annual fee. Yep. So that is the expense recovery fee is the superannuation platform.\n\nSo what they do is they estimate out the fees. And what it is is the superannuation, if there's a shortfall in it, in administrative costs on the superannuation fund, for example, that shortfall is calculated once a year. So there was a shortfall of $45.12 in fees payable to hub twenty four for the admin or potentially even investment fees, but they don't give us details to that, and that's what that is. Is. It's very common.\n\nYes. Correct. So if you look at that performance chart or document there, if you look at each of those funds, they all charge what they call as an investment fee. That's the total of those investment fees across your whole entire portfolio. Not purchasing for the management.\n\nSo let's use Bannalong, for example, because it's at the top. They have a fee per month, so it's usually a percent based fee. It might be point eight three or something, for example. I can get the exact one for you. And that's charged monthly for the and that's the investment fund manager.\n\nSo every single client that holds any exposure to the Benelon Australian Equity Fund pays that fee. So that covers their administration, basically. The moving well, the administration, basically. They're moving well, the research they conduct to buy into specific investments, it's the same across every single fund. So each fund will have a different will charge a different fee.\n\nTypically, the ETF, so those bottom six that you have exposure to, those fees are typically less than a managed fund, which is your Benelon and ClearBridge above. So an ETF and it's the investment manager's fee. So that return that I gave you before of 5%, that's after all of typically see typically see a return of between seven to nine percent. We would want to see with one in every five years being negative. Now where it's the last twelve months has definitely fallen short of that, and that is due to the.\n\nIf we if we project out sorry. I'll I can do all these figures afterwards and it in an email for you. But the the underperformance if, let's say, for example, Bennelong hadn't been in there, Bennelong's per has been a great performer in the past and has probably helped really provide some significant growth in the past to your portfolio. Unfortunately, in the last twelve months, it has let us down, and that's why we are looking to alternatives for a replacement. Any other questions about the investments or fees or anything that you you need you want me to clarify or provide information on?\n\nYeah. You've got it down as growth. Yep. Yep. Yeah.\n\nWe we say, yeah, seven to nine, so that's 8% the middle ground. Yep. So yep. Oh, no. No.\n\nNo. I was just gonna say, did you have any other questions that I can help? Yeah. Yeah. Mhmm.\n\nYeah. Yeah. And I understand that. So if we looked at it at the beginning of twelve months and doing a $100, we would expect the return to sit at about 14%. So the about 14%.\n\nIf we looked at your beginning your opening balance twelve months ago being $6.94 500, if we expected a $100 on top of that in gross and income, so the two combined, we'd be looking at somewhat of a return of 14% to get that figure. You know, the last few years have been fruitful for a lot of us, especially post COVID. Markets really did and even in COVID, the recovery, markets really did do great things for a a lot of us. However, an ongoing return of about 14% each year is not ideally it's not realistic. But if we what I did if what I do is look at an annualized return let me have a look.\n\nIf you just give me one sec. If we look at let's have a look. So we'll do it in calendar years. So if we go back What I'm gonna do is have a look at the annualized returns over time. I think sometimes myself guilty of it as well is we do look at the one year return as opposed to the long term return.\n\nBecause from year to year, it's gonna vary depending on how what's going on in the world. So our yeah. Yeah. So if we look at the annual return for the last five years, so your portfolio so this is specific to your portfolio. The annualized return is sitting at 9.98% per year over the five years with a total return of 46.39%.\n\nSo we're always gonna get that volatility this year. It's maybe one of the lower years that we're going to experience it, and I can send a report to you. But over the last five years, it your annualized average out return is 9.98%. So it is sitting where we want it to over the long term. We can go further back if you'll if if that if you need if you would like some more clarity because I know that information is key.\n\nWhen people have the information, it helps make informed decisions. So I'm happy to provide as much information as you need for comfort as well. So I'm pretty happy with that return being 9.98% averaged out over the five years. Hasn't yes. I agree.\n\nYour account hasn't hit the mark this year. Been along being one of the factors. Interest rates, not only in Australia, worldwide with America as well, inflation, the cost of living, petrol prices, all those all those elements have really played into account this year. But in my view, it's really been the banner long account that has let us down in relation to performance of your portfolio. I agree.\n\nI agree. So the that's definitely on my hit list to action for you. The next document is a Vanguard index chart. You've probably seen this many times or something similar. It just shows you market behavior.\n\nSo you'll see along the top your events, worldwide events, and how the market has it has reacted to those, and then, again, how it recovers. Those top four on the right hand side is your growth assets. So as mentioned before, you've got 80% exposure to those. And the bottom two is your defensive income doesn't provide your portfolio as much growth. It's designed there to help in times of volatility to still produce income when the market takes a bit of a tank.\n\nSo are you comfortable for this year to keep following that 80% exposure, 20%, or did you wanna look at starting to decrease it knowing that that will also decrease your return over the next twelve months? Yes. That is absolutely fine. Because I think I think you still have time on your hands at the moment to still take that growth approach with at least within the next two years of looking at just increasing a little bit of exposure to defensive assets. Yeah.\n\nOkay. The next document is your certificate of currency. So that's your insurance with Clearview just showing that it is in force. The question I probably wanted to ask here is it's a small amount of cover. It's not cover it's not costing you much in relation to premiums.\n\nIs there a reason given that you have very little debt that you're maintaining this cover? Mhmm. Yep. Yep. Yep.\n\nYep. Absolutely. Yep. I completely understand. Just wanted to touch base and check-in on that.\n\nThere is always usually a reason why somebody wants to maintain that cover, and that is absolutely fine. I just wanted to check and make sure that it depends. So the cover you have here is what we call underwritten cover. So when you applied for this cover with Clearview, there would have been a question on the application form that says, do you hold any other life TPD cover? If you didn't if you didn't at that point in time, that's absolutely fine.\n\nYou are able to 100% have multiple life covers. But with underwritten cover, it needs to be taken into consideration by the underwriters. So given your low levels of cover, it's it was it'd be unlikely to be an issue. But, typically, if you held, for example, an industry fund, so if you have let's call it what's one of the most common ones? Q super, for example, and you have a life insurance policy in there that's group cover, they would look at that, the insurers, and one and say, see if the need was there to pay out.\n\nSo you can have more than one. It just depends what your what type you're talking about and whether it had been considered. The ETUs. Is that, like, your employer an employment scheme? Yeah.\n\nOkay. And the ETU, what what is that? Sorry? Yep. Okay.\n\nYep. So that wouldn't come into play anyway with regards to life insurance. No. No. No.\n\nNo. Because that's with your union. That's that's completely separate to what we manage. Like, that would not impact a life insurance policy that you have here or external. That I would need to probably have a look at that a little bit further just to see.\n\nI don't think there'd be any significant issues. When did you get that cover? Oh, they paid for it? You're employer? Okay.\n\nAlright. What I might do is if you have a statement of any kind, I can put it on an email when I email it through to you. If you do have a statement of any kind, I would like to have a look at that just to make sure there's no impacts to you. I don't there would be, but I can't say categorically if there is or isn't. So I'll just put that on my notes for me to check-in with you.\n\nThe next document is your financial services guide. It's in the past. It explains who we are, you know, the guide, the license by and how to make a complaint. And then the next document is your ongoing oh, yeah. That's fine.\n\nOh, I'm not in there yet. I've not long started with Oaktree, so I think so. Yeah. Yep. So I've been an adviser for gosh.\n\nOh, I don't even wanna say I'm an adviser for Oakview, but I've only just started with Oakview in the last few months. But I have been an adviser for, I would say, about fifteen years. So I've I've, you know, I've I've got some experience under my belt to work with you, so don't worry. Just to give you some what do they call it? Yes.\n\nThat's the word. Thank you. The next document in that after the FSG, we'll call it, is the fee document, which looks like it hasn't been completed correctly. If I'm looking at that, I'm gonna have to get that reissued to you because I don't know what the fee is. So it's it will be a fixed rate for it a fixed rate fee.\n\nSo you'll you said earlier, the 1.65%. What we have done, is and you would have seen it throughout your portfolio is when the portfolio is down, the fee is down. When it's up, the fee is up. When it's a percent based fee. What we've done is that doesn't provide a lot of transparency for clients.\n\nAnd, also, when the market's up, there's no reason why we be paid more. That's just, you know, us doing our job. So what moving forward, it won't be a percent base fee. It will be a fixed fee. So that fixed fee will be don't know.\n\nIt's not there. But I will definitely email you afterwards. And it will then be divided by 12, and that's the fee that will come out every single month. So there will be no variance. So each twelve months, you'll know what your fee is gonna be when you sign off on it.\n\nSo I will make sure that that is fixed up, and I get that sent through to you. And then the last number the last document in the pack is the option to provide your tax file number. So what this form is is it shows you that we have your tax file number on file, and that's from when we set up your your superannuation. Bless you. And it you're welcome.\n\nAnd it's just you noting that you understand that we do hold it on file for you. Well, we hold it on file. So that's your authority there. But what I'm gonna ask you to do is do not sign anything on this pack because that fee information is not correct. And I'm going to get I'll get that pack reissued to you at some point today, but I will send you an email with all the other things that we've talked about first and then let you know when that next pack's coming.\n\nSo, basically, with the the fee form and the tax file number form, I'll need your signature on. What the fees cover, again, is your review. But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out. So let's say, for example, in six months' time, you know, after the Christmas break, you and Cassandra have had a chance to sit down and have a chat about what retirement looks like, and you've got a better picture of it, shoot me an email, pick up the phone, we'll book in a time, we'll hash out it we'll hash it out and start looking at building what that looks like because it may be different to what we talked about today. So you're not limited to your annual reviews.\n\nYour your fee covers the ongoing advice. So things change. We understand that, and we're here to support you along that path. Okay? Any questions?\n\nFantastic. The only other one thing I wanted to ask you, Darren, is with your superannuation and the reason why I asked about your children before is you've got Cassandra and your three children noted as beneficiaries. Now with Cassandra being paid as a beneficiary of your it's tax free to her. For your two my children, it is also tax free. For your adult child, it will not be tax free.\n\nThere will be 17% tax applied, and that's yeah. Yeah. Because they don't meet the definition of a financial dependent. So once a child reaches 18, they're no longer considered dependent under the superannuation and the tax laws. So what happens is is 15% is taxed of the amount they receive, then plus 2% for Medicare.\n\nSo what we look at doing is we always review beneficiaries based on that because children, obviously, grow older. The typically, if you had all adult children, so let's say yesterday something happened, and Cassandra is no longer with us and it was just your children and they're all above 18, typically, what we would recommend or suggest is that you have a will and your superannuation be directed to your will through your estate because your estate would only pay that 15% tax for your children, not the additional 2% for Medicare. So there's probably that's more information for you to consider to tell me what you want me to do with that. Yeah. Yep.\n\nYep. Yep. Yeah. Do you have someone that you can work with for that? Fantastic.\n\nYep. Will they do that for Cassandra as well? Mhmm. Mhmm. Yes.\n\nNo. That's right. Do they do powers of attorney for you as well? Yeah. So what a power of do you know what a power of attorney does?\n\nYeah. No. That's okay. So, basically, what a power of attorney allows is while you're still alive and if you're ever in a position where you're unable to make decisions for yourself, that document will allow someone to do that for you. Now a lot of people assume your husband and wife are automatically that person.\n\nThat's not the case. Say, for example, if Cassandra phones us and something had happened to you and you're in hospital and unable to give us any direction, Without that document, we'd be unable to help Cassandra with anything in relation to your super insurance. So that document is extremely important. Same with if you had individual investments in your own name or an individual bank account or even if the the property was in your name and the loan, she would be limited in accessing any of that and and vice versa. So you wouldn't be able to access anything on Cassandra's behalf should you need to if that situation arose.\n\nSo those two documents go hand in hand, are really, really important. One's basically a living will, if you think about it like that, and the other one is the will for your estate after passing. So they both go hand in hand as equally as important. What I'll do when I send you the email, I'll send you the brochure of the professionals we partner with. I had a chuckle before when you said they asked ridiculous money.\n\nI've seen versions of ridiculous money in my time and quotes, and some of it is appalling. These guys these guys are very affordable compared to what I've seen in the past. Should Cassandra not be able to access it through the union, it might be an alternative as well for Cassandra to have it set up. So I'll send it through to you so you've got the information anyway. Yep.\n\nYeah. Oh, I've seen yeah. I've seen some doozies. A 100% I've seen some doozies, so I I know exactly what you're saying. This one, however, when I first looked at it when I first started, I was like, wow.\n\nThat's actually really reasonable. So, yeah, I think I'll send that through to you for you to have a look at. Either way, hopefully, the union covers Cassandra as well. But, yeah, there's we'll help. We'll cover Cassandra doing her her estate planning as well, hopefully.\n\nIf not, you do have an alternative there that, you know, can they they can work with you to make sure that they're both set up the way you want it to. With your beneficiaries, are you happy to leave them as they are for the time being in super being 40% to Cassandra and 20 to each child, or do you wanna look at changing that? Yeah. We can deal with that through once a will's in place. Mhmm.\n\nYeah. Yep. Are you and Cassandra sorry to ask this. There's no nice way to ask this. I'm just gonna be blunt.\n\nA blended family? Or is it a blended family for all three children your own or, like, together or yep. Okay. Fantastic. That that makes sense.\n\nNo. The reason I say that is because it just makes the estate planning structure so much more complicated. So for you guys, it should be a pretty straightforward estate plan. There's no hidden when you do come into blended families, there's a lot more structural considerations to be taken into account. So once you guys have that in place, we can look at changing that beneficiary nomination to go in line with whatever's in the will.\n\nBeautiful. Lovely. Well, I've got some homework to do. So once I get it's no easy way to ask that. I have yep.\n\nA 100%. I can I can attest to that as well? Alright. Well, Lee, I've got some homework to do. I'm gonna send you through an email, and then I'll reissue that fee form and whatnot to you, and we can go from there.\n\nBut I'd say in about if you've got time now, if we can look forward a couple of weeks, booking in some time to just go through those changes for those investment funds. What about the week beginning the October 12, how are you looking? Any availability? Mhmm. Of course.\n\nI can. Yep. Okay. Okay. I do a late on a Thursday, so that will be the fifteenth.\n\nSo what I might do is put a tentative one in there so no one steals it. And I'll confirm in the email to you that I send later today. Alright. Beautiful. Thanks for your time, Darren.\n\nI really do appreciate it, and I will speak to you soon. Okay. Okay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":3.1999998,"end":4.0,"sentiment":"neutral","sentiment_score":0.12870141118764877},{"text":"This is Jenniferning here from Oakview Financial.","start":4.0,"end":6.5,"sentiment":"neutral","sentiment_score":0.14576217319284165},{"text":"How are you today?","start":6.56,"end":7.7,"sentiment":"neutral","sentiment_score":0.19917892664670944},{"text":"That's good.","start":9.679999,"end":10.559999,"sentiment":"positive","sentiment_score":0.6070799231529236},{"text":"Before I go any further, I just do need to let you know that our calls are recorded for quality and coaching purposes.","start":10.559999,"end":15.914999,"sentiment":"neutral","sentiment_score":0.04048765920426534}],"sentiment":"neutral","sentiment_score":0.11104815129778887,"num_words":38,"start":3.1999998,"end":15.914999},{"sentences":[{"text":"Is that okay?","start":15.914999,"end":16.935,"sentiment":"neutral","sentiment_score":0.047648066033919655},{"text":"And, Darren, can I please ask you to confirm your full name, date of birth, and address, please?","start":18.755,"end":24.134998,"sentiment":"neutral","sentiment_score":0.0294407546106312},{"text":"Fantastic.","start":32.29,"end":32.79,"sentiment":"positive","sentiment_score":0.5470422506332397},{"text":"Thank you.","start":32.93,"end":33.49,"sentiment":"positive","sentiment_score":0.5561454892158508},{"text":"How are you doing today, Darren?","start":33.49,"end":35.03,"sentiment":"neutral","sentiment_score":0.329109067718188}],"sentiment":"neutral","sentiment_score":0.14356218054890632,"num_words":30,"start":15.914999,"end":35.03},{"sentences":[{"text":"Yes.","start":36.61,"end":37.11,"sentiment":"neutral","sentiment_score":0.28611183166503906},{"text":"That's good.","start":37.33,"end":38.15,"sentiment":"positive","sentiment_score":0.43237103521823883},{"text":"The purpose of my call is just to complete out in your review.","start":38.21,"end":42.21,"sentiment":"neutral","sentiment_score":0.15986909144199812},{"text":"Do you have time to do that now?","start":42.21,"end":44.165,"sentiment":"neutral","sentiment_score":0.0829563238658011},{"text":"Yeah?","start":45.905003,"end":46.385002,"sentiment":"neutral","sentiment_score":0.062416933476924896}],"sentiment":"neutral","sentiment_score":0.15820878461003304,"num_words":25,"start":36.61,"end":46.385002},{"sentences":[{"text":"Oh, fantastic.","start":46.385002,"end":47.205,"sentiment":"neutral","sentiment_score":0.30352049320936203},{"text":"Before I jump into it, what I'd like to do is just check-in and see if there's been any significant changes for you financially or personally that you'd like to focus on.","start":48.865,"end":58.809998,"sentiment":"neutral","sentiment_score":0.007265322292369092},{"text":"No?","start":62.629997,"end":63.129997,"sentiment":"neutral","sentiment_score":-0.12077044695615768},{"text":"No?","start":63.269997,"end":63.769997,"sentiment":"neutral","sentiment_score":-0.10462027788162231},{"text":"That's okay.","start":63.909996,"end":64.729996,"sentiment":"neutral","sentiment_score":0.0043244855478405935}],"sentiment":"neutral","sentiment_score":0.01638919857980095,"num_words":38,"start":46.385002,"end":64.729996},{"sentences":[{"text":"That's alright.","start":64.869995,"end":65.509995,"sentiment":"neutral","sentiment_score":0.0687197670340538},{"text":"If it's okay with you, I might run through some of the information that we hold on file just to make sure that it is still current and relevant to you.","start":65.509995,"end":74.185,"sentiment":"neutral","sentiment_score":0.05239951346189745},{"text":"Is that okay?","start":74.185,"end":75.085,"sentiment":"neutral","sentiment_score":0.06549092878897984},{"text":"Fantastic.","start":76.744995,"end":77.244995,"sentiment":"neutral","sentiment_score":0.29257306456565857},{"text":"Darren, I have your spouse and next of kin noted as Cassandra Turner.","start":78.905,"end":85.37,"sentiment":"neutral","sentiment_score":0.10078822506161836}],"sentiment":"neutral","sentiment_score":0.0712223445624113,"num_words":50,"start":64.869995,"end":85.37},{"sentences":[{"text":"Is that still correct?","start":85.37,"end":86.67,"sentiment":"neutral","sentiment_score":0.06907646916806698},{"text":"Yep.","start":88.810005,"end":89.310005,"sentiment":"neutral","sentiment_score":0.02195785753428936},{"text":"And I have here that you have three dependents.","start":89.37,"end":91.630005,"sentiment":"neutral","sentiment_score":0.027255669029222593},{"text":"Are they minors 18?","start":92.490005,"end":95.79,"sentiment":"neutral","sentiment_score":0.02438678336329758},{"text":"Yep.","start":101.775,"end":102.275,"sentiment":"neutral","sentiment_score":0.025290047749876976}],"sentiment":"neutral","sentiment_score":0.03507378614066463,"num_words":19,"start":85.37,"end":102.275},{"sentences":[{"text":"Okay.","start":103.375,"end":103.875,"sentiment":"neutral","sentiment_score":0.06031297892332077},{"text":"No worries at all.","start":105.455,"end":106.915,"sentiment":"neutral","sentiment_score":0.051294528879225254},{"text":"And I have you here as an electrician.","start":109.535,"end":111.475,"sentiment":"neutral","sentiment_score":0.028067883336916566},{"text":"Are you still an electrician for Mars Group?","start":111.535,"end":116.03,"sentiment":"neutral","sentiment_score":0.025650313589721918},{"text":"Is that correct?","start":116.03,"end":116.93,"sentiment":"neutral","sentiment_score":0.048081191877524056}],"sentiment":"neutral","sentiment_score":0.034978343561912574,"num_words":24,"start":103.375,"end":116.93},{"sentences":[{"text":"Lovely.","start":118.509995,"end":118.909996,"sentiment":"neutral","sentiment_score":0.16884757578372955},{"text":"And full time?","start":118.909996,"end":120.13,"sentiment":"neutral","sentiment_score":0.0699363686144352},{"text":"Is that thirty eight hours a week?","start":122.11,"end":124.21,"sentiment":"neutral","sentiment_score":0.030780928475516185},{"text":"Yeah.","start":126.189995,"end":126.675,"sentiment":"neutral","sentiment_score":0.020374497398734093},{"text":"And your in yep.","start":126.755005,"end":128.77501,"sentiment":"neutral","sentiment_score":-0.005295315757393838}],"sentiment":"neutral","sentiment_score":0.03708227595780045,"num_words":16,"start":118.509995,"end":128.77501},{"sentences":[{"text":"Nothing's changed?","start":132.91501,"end":134.05501,"sentiment":"neutral","sentiment_score":-0.05838678032159805},{"text":"The only the only stuff I can I can skip through that?","start":134.27501,"end":138.515,"sentiment":"neutral","sentiment_score":-0.036461395832399525},{"text":"The only stuff I do really need to confirm is probably just your income and assets and liabilities.","start":138.515,"end":144.01,"sentiment":"neutral","sentiment_score":-0.03746156218565173},{"text":"Is that okay?","start":144.06999,"end":144.97,"sentiment":"neutral","sentiment_score":0.005277065560221672},{"text":"I'll keep it brief.","start":146.15,"end":147.20999,"sentiment":"neutral","sentiment_score":0.019546409603208303}],"sentiment":"neutral","sentiment_score":-0.029092348586672392,"num_words":39,"start":132.91501,"end":147.20999},{"sentences":[{"text":"Income at $1.20?","start":147.67,"end":149.04999,"sentiment":"neutral","sentiment_score":0.00468115337813894},{"text":"Yeah.","start":152.87,"end":153.37,"sentiment":"neutral","sentiment_score":-0.0046499669551849365},{"text":"Expenditure and savings, the same as last time.","start":154.15,"end":156.985,"sentiment":"neutral","sentiment_score":-0.026662992080673575},{"text":"Yeah.","start":158.725,"end":159.225,"sentiment":"neutral","sentiment_score":0.04459191858768463},{"text":"And I have your home valued at 900,000.","start":159.285,"end":162.80501,"sentiment":"neutral","sentiment_score":0.04707162734121084}],"sentiment":"neutral","sentiment_score":0.010345452088153078,"num_words":21,"start":147.67,"end":162.80501},{"sentences":[{"text":"Would that still be correct?","start":162.80501,"end":164.10501,"sentiment":"neutral","sentiment_score":0.04410170093178749},{"text":"And about 5,000 owing on your home.","start":167.125,"end":172.66,"sentiment":"neutral","sentiment_score":0.02445463610014745},{"text":"Yeah.","start":172.68001,"end":173.18001,"sentiment":"neutral","sentiment_score":0.3275774121284485},{"text":"Fantastic.","start":173.32,"end":173.82,"sentiment":"positive","sentiment_score":0.6721002459526062},{"text":"And a credit card of 5,000.","start":174.28,"end":175.96,"sentiment":"neutral","sentiment_score":0.2479818860689799}],"sentiment":"neutral","sentiment_score":0.1439629965927452,"num_words":20,"start":162.80501,"end":175.96},{"sentences":[{"text":"Is that the balance or the the limit?","start":175.96,"end":178.22,"sentiment":"neutral","sentiment_score":0.08968880586326122},{"text":"Okay.","start":184.685,"end":185.185,"sentiment":"neutral","sentiment_score":0.000667189247906208},{"text":"Okay.","start":186.205,"end":186.705,"sentiment":"neutral","sentiment_score":0.0206795297563076},{"text":"Oh, thank you.","start":188.285,"end":189.005,"sentiment":"neutral","sentiment_score":0.33304470280806225},{"text":"Thank you so much for that.","start":189.005,"end":190.52501,"sentiment":"positive","sentiment_score":0.5015906691551208}],"sentiment":"neutral","sentiment_score":0.24987027838237977,"num_words":19,"start":175.96,"end":190.52501},{"sentences":[{"text":"Sorry about that.","start":190.52501,"end":191.585,"sentiment":"neutral","sentiment_score":-0.04625090459982554},{"text":"I know that you had some personal investments.","start":193.085,"end":195.80501,"sentiment":"neutral","sentiment_score":-0.01023585512302816},{"text":"Are they still applicable?","start":195.80501,"end":197.265,"sentiment":"neutral","sentiment_score":0.015333741903305054},{"text":"You've got some shares with Colonial First State, some cash, some LemonX shares.","start":197.325,"end":203.59,"sentiment":"neutral","sentiment_score":0.03276822386452785},{"text":"Yeah?","start":206.13,"end":206.61,"sentiment":"neutral","sentiment_score":0.0292060486972332}],"sentiment":"neutral","sentiment_score":0.010203047302262536,"num_words":29,"start":190.52501,"end":206.61},{"sentences":[{"text":"Okay.","start":206.61,"end":207.11,"sentiment":"neutral","sentiment_score":0.03322826325893402},{"text":"I'll leave all those as is.","start":207.17,"end":208.95,"sentiment":"neutral","sentiment_score":0.05152795650064945},{"text":"And then just with your goals and objectives, I just wanna check and see if they're still current very briefly before I send you through the information.","start":210.53,"end":221.415,"sentiment":"neutral","sentiment_score":0.03944218662325983},{"text":"You did say in your last review that you wanted to buy another property in around five years and travel around Australia, including the Northern Territory?","start":222.355,"end":230.27,"sentiment":"neutral","sentiment_score":0.021033681642550688},{"text":"Yeah.","start":232.89,"end":233.37001,"sentiment":"neutral","sentiment_score":0.0824032574892044}],"sentiment":"neutral","sentiment_score":0.03338711510305522,"num_words":61,"start":206.61,"end":233.37001},{"sentences":[{"text":"Okay.","start":233.37001,"end":233.69,"sentiment":"neutral","sentiment_score":0.08480709791183472},{"text":"And you'd like to get a Caravan for Cassandra and yourself?","start":233.69,"end":236.67,"sentiment":"neutral","sentiment_score":0.10622259500351819},{"text":"You got it.","start":239.37001,"end":239.93001,"sentiment":"neutral","sentiment_score":0.227593461672465},{"text":"Congratulations.","start":239.93001,"end":240.43001,"sentiment":"positive","sentiment_score":0.4243083596229553},{"text":"Lovely.","start":240.85501,"end":241.095,"sentiment":"positive","sentiment_score":0.35057640075683594}],"sentiment":"neutral","sentiment_score":0.15946592872633653,"num_words":17,"start":233.37001,"end":241.095},{"sentences":[{"text":"Have you had the chance to use it yet?","start":241.095,"end":242.875,"sentiment":"neutral","sentiment_score":0.14318765617079204},{"text":"Oh, that's good.","start":245.49501,"end":246.63501,"sentiment":"neutral","sentiment_score":0.16177868594725928},{"text":"And you wanted to get an investment property to rent out?","start":247.175,"end":250.475,"sentiment":"neutral","sentiment_score":0.060452721335671165},{"text":"Okay.","start":265.62,"end":266.12,"sentiment":"neutral","sentiment_score":-0.036670032888650894},{"text":"Mhmm.","start":270.495,"end":270.995,"sentiment":"neutral","sentiment_score":-0.05166224390268326}],"sentiment":"neutral","sentiment_score":0.09402690485119819,"num_words":25,"start":241.095,"end":270.995},{"sentences":[{"text":"Okay.","start":281.055,"end":281.55,"sentiment":"neutral","sentiment_score":-0.30482247471809387},{"text":"Let me have a look because I'm gonna run while I run through these questions, because I am an adviser, so I can have a look at this as well.","start":282.83,"end":292.05,"sentiment":"neutral","sentiment_score":-0.055698368698358536},{"text":"If you do you mind giving me a couple of minutes just to read through quickly?","start":292.27,"end":295.725,"sentiment":"neutral","sentiment_score":-0.019388578017242253},{"text":"Or I can actually do a post if you like, and I can come back to you and save you some time because it could take me a little bit.","start":297.305,"end":306.125,"sentiment":"neutral","sentiment_score":0.008177134829262892},{"text":"Would you like me to come back to you?","start":306.425,"end":308.03,"sentiment":"neutral","sentiment_score":0.03943314693040318}],"sentiment":"neutral","sentiment_score":-0.01960207461271175,"num_words":86,"start":281.055,"end":308.03},{"sentences":[{"text":"I've got I've got a big note here to come back to you.","start":309.53,"end":313.06998,"sentiment":"neutral","sentiment_score":0.12525072349951819},{"text":"I do you want me to do that in an email or a phone call?","start":313.28998,"end":316.43,"sentiment":"neutral","sentiment_score":0.022881442805131276},{"text":"Mhmm.","start":348.36,"end":348.86,"sentiment":"neutral","sentiment_score":-0.02763056568801403},{"text":"Mhmm.","start":349.16,"end":349.66,"sentiment":"neutral","sentiment_score":-0.023166432976722717},{"text":"Okay.","start":357.255,"end":357.755,"sentiment":"neutral","sentiment_score":-0.05066652595996857}],"sentiment":"neutral","sentiment_score":0.060323145901483875,"num_words":31,"start":309.53,"end":357.755},{"sentences":[{"text":"Let so that's okay.","start":357.89502,"end":364.295,"sentiment":"neutral","sentiment_score":-0.01270554773509502},{"text":"Leave that with me.","start":364.295,"end":365.1,"sentiment":"neutral","sentiment_score":0.01595192216336727},{"text":"I'm gonna look into that.","start":365.1,"end":365.9,"sentiment":"neutral","sentiment_score":0.027217357605695724},{"text":"So that was the beginning of this year.","start":365.9,"end":367.6,"sentiment":"neutral","sentiment_score":-0.01622855057939887},{"text":"Yeah.","start":368.78,"end":369.18,"sentiment":"neutral","sentiment_score":0.08770227432250977}],"sentiment":"neutral","sentiment_score":0.004861188883131201,"num_words":22,"start":357.89502,"end":369.18},{"sentences":[{"text":"K.","start":369.18,"end":369.34,"sentiment":"neutral","sentiment_score":0.06145235896110535},{"text":"Leave that with I'll do some investigation, and I will definitely come I promise I will come back to you.","start":369.34,"end":374.80002,"sentiment":"neutral","sentiment_score":0.14610280580818652},{"text":"Alright.","start":376.7,"end":377.2,"sentiment":"neutral","sentiment_score":0.03207344189286232},{"text":"Okay.","start":377.74,"end":378.24,"sentiment":"neutral","sentiment_score":-0.0115403700619936},{"text":"So the investment property, is that off the cards now?","start":378.46,"end":382.555,"sentiment":"neutral","sentiment_score":-0.10388750433921815}],"sentiment":"neutral","sentiment_score":0.05955050010798556,"num_words":33,"start":369.18,"end":382.555},{"sentences":[{"text":"Changes?","start":388.85498,"end":389.35498,"sentiment":"neutral","sentiment_score":-0.0754663348197937},{"text":"Yep.","start":389.815,"end":390.315,"sentiment":"neutral","sentiment_score":-0.06366191804409027},{"text":"Yep.","start":392.935,"end":393.435,"sentiment":"neutral","sentiment_score":0.010956922546029093},{"text":"Okay.","start":395.53,"end":396.03,"sentiment":"neutral","sentiment_score":0.06816233694553375},{"text":"Yep.","start":398.25,"end":398.57,"sentiment":"neutral","sentiment_score":0.0943559855222702}],"sentiment":"neutral","sentiment_score":0.006869398429989815,"num_words":5,"start":388.85498,"end":398.57},{"sentences":[{"text":"That's okay.","start":398.57,"end":399.13,"sentiment":"neutral","sentiment_score":0.1792512759566307},{"text":"Leave that one with me.","start":399.13,"end":400.35,"sentiment":"neutral","sentiment_score":0.09788485169410706},{"text":"With your, you just want you said you had stated you wanna get as much possible out of it gross wise as possible.","start":401.29,"end":408.365,"sentiment":"neutral","sentiment_score":0.14175528806188833},{"text":"Is that still correct?","start":408.365,"end":409.50497,"sentiment":"neutral","sentiment_score":0.09574846178293228},{"text":"Yep.","start":411.485,"end":411.985,"sentiment":"neutral","sentiment_score":0.12007298320531844}],"sentiment":"neutral","sentiment_score":0.13175329331840788,"num_words":35,"start":398.57,"end":411.985},{"sentences":[{"text":"And you is your goal to still retire at age 60 with $1,500 per week?","start":412.525,"end":417.72,"sentiment":"neutral","sentiment_score":0.15068842619657516},{"text":"Yes.","start":421.48,"end":421.98,"sentiment":"neutral","sentiment_score":0.14987121522426605},{"text":"Yep.","start":422.76,"end":423.26,"sentiment":"neutral","sentiment_score":0.13309180736541748},{"text":"Okay.","start":423.64,"end":424.14,"sentiment":"neutral","sentiment_score":0.1560717225074768},{"text":"Alright.","start":426.28,"end":426.68,"sentiment":"neutral","sentiment_score":0.1904696226119995}],"sentiment":"neutral","sentiment_score":0.15209635582409406,"num_words":19,"start":412.525,"end":426.68},{"sentences":[{"text":"Well, we're definitely at that stage where we need to start looking and planning for that.","start":426.68,"end":430.62,"sentiment":"neutral","sentiment_score":0.11109786946326494},{"text":"We have you down as a growth investor, which we might have a squeeze at in a second.","start":431.64,"end":437.815,"sentiment":"neutral","sentiment_score":0.04727982315752241},{"text":"I'm gonna shoot I'm gonna send you through a you'll receive an email from myself that has out the review pack that we're gonna talk through on it or attached to it, I should I should say.","start":437.815,"end":452.86002,"sentiment":"neutral","sentiment_score":0.07105092589768607},{"text":"And what we might do is start looking at that retirement planning and what we need to do now to bring that into fruition.","start":454.52002,"end":463.515,"sentiment":"neutral","sentiment_score":0.27091850464542705},{"text":"So I've just hit send, so it should pop up in your emails momentarily.","start":464.055,"end":469.915,"sentiment":"neutral","sentiment_score":0.15881585542644774}],"sentiment":"neutral","sentiment_score":0.1282839731552527,"num_words":109,"start":426.68,"end":469.915},{"sentences":[{"text":"And when you do open that, it'll come, it'll say it'll have a sign link.","start":472.775,"end":477.14,"sentiment":"neutral","sentiment_score":0.06924685537815094},{"text":"Click here to sign.","start":477.14,"end":478.52002,"sentiment":"neutral","sentiment_score":0.022406438598409295},{"text":"If you just click that, it will you're not signing anything at the moment.","start":478.58002,"end":481.86002,"sentiment":"neutral","sentiment_score":-0.06999348064086267},{"text":"You'll just open the the documents that we're gonna walk through.","start":481.86002,"end":485.24002,"sentiment":"neutral","sentiment_score":0.019786136224865913},{"text":"Do you have that open?","start":505.81003,"end":507.03,"sentiment":"neutral","sentiment_score":0.0381806418299675}],"sentiment":"neutral","sentiment_score":0.011366746198309928,"num_words":49,"start":472.775,"end":507.03},{"sentences":[{"text":"Oh, okay.","start":509.57,"end":510.21002,"sentiment":"neutral","sentiment_score":0.06536416336894035},{"text":"Yep.","start":510.21002,"end":510.61002,"sentiment":"neutral","sentiment_score":0.08678784221410751},{"text":"That's alright.","start":510.61002,"end":511.335,"sentiment":"neutral","sentiment_score":0.11977867782115936},{"text":"Alright.","start":560.66003,"end":560.98,"sentiment":"neutral","sentiment_score":0.07714172452688217},{"text":"Is that all opened up?","start":560.98,"end":562.54504,"sentiment":"neutral","sentiment_score":0.048023642227053645}],"sentiment":"neutral","sentiment_score":0.0703939509324052,"num_words":11,"start":509.57,"end":562.54504},{"sentences":[{"text":"No.","start":568.04504,"end":568.525,"sentiment":"neutral","sentiment_score":-0.16051912307739258},{"text":"Please don't apologize.","start":568.525,"end":569.505,"sentiment":"neutral","sentiment_score":-0.20758789281050363},{"text":"Absolutely fine.","start":569.565,"end":570.54504,"sentiment":"neutral","sentiment_score":0.11655065417289734},{"text":"Fantastic.","start":595.915,"end":596.415,"sentiment":"positive","sentiment_score":0.6822409629821777},{"text":"So the first document you should see is a summary of your super and insurance.","start":597.035,"end":600.75995,"sentiment":"neutral","sentiment_score":0.29762017329533896}],"sentiment":"neutral","sentiment_score":0.20892554860223422,"num_words":22,"start":568.04504,"end":600.75995},{"sentences":[{"text":"Is that right?","start":601.62,"end":602.42,"sentiment":"neutral","sentiment_score":0.10312046607335408},{"text":"Yeah?","start":602.42,"end":602.92,"sentiment":"neutral","sentiment_score":0.07655378431081772},{"text":"It's just a very high level overview.","start":603.77997,"end":605.8,"sentiment":"neutral","sentiment_score":0.1674952358007431},{"text":"Your supers with hub twenty four.","start":605.86,"end":607.77997,"sentiment":"neutral","sentiment_score":0.10918901488184929},{"text":"It's sitting at $757,111 rounded up, and you've got your life and TPD insurance sitting at a sum insured of 59,617 thousand each.","start":607.77997,"end":622.185,"sentiment":"neutral","sentiment_score":0.08507962719253871}],"sentiment":"neutral","sentiment_score":0.1042586836963892,"num_words":40,"start":601.62,"end":622.185},{"sentences":[{"text":"And that premium of $630.88 per annum is taken from your hub twenty four account.","start":622.405,"end":630.19995,"sentiment":"neutral","sentiment_score":0.018661800026893615},{"text":"The next document along is your twelve month performance history with hub twenty four.","start":631.5,"end":639.51996,"sentiment":"neutral","sentiment_score":-0.0071887243539094925},{"text":"The first thing that I am going to draw or first discussion piece I'm gonna draw your attention to is that first one, the Bennelong Strain Equities Fund.","start":639.82,"end":648.065,"sentiment":"neutral","sentiment_score":0.004307027373995099},{"text":"You'll see that it has had an underperforming value.","start":648.925,"end":652.46497,"sentiment":"neutral","sentiment_score":-0.13537884089681837},{"text":"The reason for that and the first the reason for my first point of discussion with this is that, at the moment, all the clients that we're speaking with is we are reviewing the Banna Long Australian Equities Fund within all clients' portfolios, and that's a company wide decision.","start":654.445,"end":671.515,"sentiment":"neutral","sentiment_score":-0.022221643529946402}],"sentiment":"neutral","sentiment_score":-0.01745555195754961,"num_words":115,"start":622.405,"end":671.515},{"sentences":[{"text":"So the reason being is that Bennelong's investment mandate dictates that they look for undervalued companies within the Australian share market for potential growth opportunities.","start":672.375,"end":684.15497,"sentiment":"neutral","sentiment_score":-0.016700221747159957},{"text":"Now in the last few months, Bennelong has had a turnaround and a kickback, which is great.","start":684.83,"end":690.05,"sentiment":"neutral","sentiment_score":0.24572518993826473},{"text":"But due to the fact that it was a systemic ongoing issue, we're not comfortable retaining it in client portfolios.","start":690.83,"end":698.635,"sentiment":"neutral","sentiment_score":-0.2401474703103304},{"text":"We're not reactive to underperformance.","start":699.335,"end":700.875,"sentiment":"neutral","sentiment_score":-0.3135373115539551},{"text":"So if if a fund does underperform, that's expected as part of a portfolio on the way that the market behaves.","start":701.255,"end":712.235,"sentiment":"neutral","sentiment_score":-0.31820225360847654}],"sentiment":"neutral","sentiment_score":-0.10560296141457828,"num_words":88,"start":672.375,"end":712.235},{"sentences":[{"text":"But when it becomes a long term or an ongoing scenario, that's when we look at the the value of holding it within the portfolio.","start":712.98,"end":721.77997,"sentiment":"neutral","sentiment_score":-0.1367359772324562},{"text":"So the company as a company, we've reached the decision that we are not comfortable holding it in client's portfolios, and we do want to look at alternatives that still help you meet your goals and objectives that are retiring at 60 with an income of $1,500 per week.","start":721.77997,"end":738.355,"sentiment":"neutral","sentiment_score":-0.08644279901280391},{"text":"But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that.","start":738.77,"end":747.75,"sentiment":"neutral","sentiment_score":0.0788560229120776},{"text":"Yeah.","start":749.33,"end":749.83,"sentiment":"neutral","sentiment_score":0.10572917014360428},{"text":"The other one that I'd wanted to review in your portfolio is the third one down.","start":750.45,"end":754.845,"sentiment":"neutral","sentiment_score":0.08533480088226497}],"sentiment":"neutral","sentiment_score":-0.0297529907722965,"num_words":123,"start":712.98,"end":754.845},{"sentences":[{"text":"You'll see that it's the Beta Bank hybrid ETF.","start":754.845,"end":757.665,"sentiment":"neutral","sentiment_score":0.08350787394576603},{"text":"Now there's nothing wrong with that investment itself.","start":758.76495,"end":762.14496,"sentiment":"neutral","sentiment_score":0.06470683123916388},{"text":"It forms part of the defensive allocation of your portfolio.","start":762.20496,"end":765.345,"sentiment":"neutral","sentiment_score":0.10596115291118621},{"text":"The reason why I wanna review it is that from January 2027, the Australian banking system is phasing out hybrids.","start":766.33,"end":775.39,"sentiment":"neutral","sentiment_score":-0.10970994904637336},{"text":"So that means that those investments will no longer be available.","start":775.93,"end":778.91,"sentiment":"neutral","sentiment_score":-0.23024279150095853}],"sentiment":"neutral","sentiment_score":-0.041345390394843855,"num_words":58,"start":754.845,"end":778.91},{"sentences":[{"text":"I don't know what it looks like come January 2027.","start":779.37,"end":783.115,"sentiment":"neutral","sentiment_score":-0.2732760772109032},{"text":"So the clients that I'm working with, I'm taking a proactive approach to act now because I just don't know what the future holds in relation to what's what the banks are gonna offer as a replacement for those investments.","start":783.415,"end":797.02,"sentiment":"neutral","sentiment_score":-0.1131666251749266},{"text":"So if you're comfortable with that, I would also look at I'd like to take a look at potential alternative.","start":798.12,"end":804.62,"sentiment":"neutral","sentiment_score":0.11599739473313093},{"text":"The third one down, the beta bank hybrid ETF.","start":807.48,"end":811.085,"sentiment":"neutral","sentiment_score":0.003542657217217816},{"text":"So at the moment, you have approximately 70 4 thousand.","start":811.22504,"end":814.28503,"sentiment":"neutral","sentiment_score":0.0023776634596288206}],"sentiment":"neutral","sentiment_score":-0.05487435207744076,"num_words":89,"start":779.37,"end":814.28503},{"sentences":[{"text":"Yep.","start":814.74506,"end":815.24506,"sentiment":"neutral","sentiment_score":0.0240267775952816},{"text":"It hasn't you know, gross wise, we don't expect a lot of growth from defensive assets.","start":815.78503,"end":820.36505,"sentiment":"negative","sentiment_score":-0.33689543791115284},{"text":"Income wise, it's it's done well.","start":820.42505,"end":823.085,"sentiment":"neutral","sentiment_score":-0.092570544530948},{"text":"There's nothing particularly wrong with it.","start":823.67,"end":825.51,"sentiment":"negative","sentiment_score":-0.47644472122192383},{"text":"It's just the uncertain future of it that I'm not comfortable with.","start":825.51,"end":831.11,"sentiment":"negative","sentiment_score":-0.6042521918813387}],"sentiment":"negative","sentiment_score":-0.39101019819698685,"num_words":41,"start":814.74506,"end":831.11},{"sentences":[{"text":"I don't know what's gonna be what's gonna replace it.","start":831.11,"end":835.365,"sentiment":"negative","sentiment_score":-0.4822698846459389},{"text":"So I'd rather be a little bit more proactive now while it is still doing well because I just don't know what the next few months hold.","start":835.52496,"end":842.90497,"sentiment":"neutral","sentiment_score":0.040357194289013194},{"text":"Is that okay with you?","start":845.52496,"end":847.065,"sentiment":"neutral","sentiment_score":0.06058594211935997},{"text":"Yeah.","start":847.285,"end":847.785,"sentiment":"neutral","sentiment_score":0.14262577891349792},{"text":"Okay.","start":847.845,"end":848.345,"sentiment":"neutral","sentiment_score":0.25202274322509766}],"sentiment":"neutral","sentiment_score":-0.06898809927092357,"num_words":44,"start":831.11,"end":848.345},{"sentences":[{"text":"Fantastic.","start":848.96497,"end":849.46497,"sentiment":"positive","sentiment_score":0.748242974281311},{"text":"That's yep.","start":850.245,"end":854.93005,"sentiment":"positive","sentiment_score":0.5080176740884781},{"text":"Mhmm.","start":856.67004,"end":857.17004,"sentiment":"neutral","sentiment_score":0.04282768443226814},{"text":"No.","start":861.95,"end":862.27,"sentiment":"neutral","sentiment_score":-0.13410569727420807},{"text":"So and that's due to the Bennelong Fund.","start":862.27,"end":865.565,"sentiment":"neutral","sentiment_score":-0.07523186504840851}],"sentiment":"neutral","sentiment_score":0.0823957991714661,"num_words":13,"start":848.96497,"end":865.565},{"sentences":[{"text":"So the overall performance of your portfolio has been impacted by that Bennelong Fund, the one at the top.","start":865.70496,"end":871.64496,"sentiment":"neutral","sentiment_score":-0.11492326228242171},{"text":"The you so the internal rate of return even with Bennelong for the last twelve months has been 5%.","start":873.46497,"end":879.95,"sentiment":"neutral","sentiment_score":0.0143535696950398},{"text":"If I look at your projected out internal next twelve months, it's gonna be significantly higher.","start":880.57,"end":887.79004,"sentiment":"neutral","sentiment_score":-0.07839003344997764},{"text":"But that's that's why we wanna look at even even as I mentioned before, Bennelong has turned around and they are now not underperforming.","start":888.57,"end":896.565,"sentiment":"neutral","sentiment_score":0.018985616305144504},{"text":"It's not something that we're willing to risk keeping in a portfolio for our clients moving forward.","start":897.185,"end":903.765,"sentiment":"neutral","sentiment_score":-0.1391741642180611}],"sentiment":"neutral","sentiment_score":-0.053424954681510206,"num_words":95,"start":865.70496,"end":903.765},{"sentences":[{"text":"So in relation to your portfolio, and then I guess another consideration we need to make is or discuss is that you are invested as a growth investor.","start":905.105,"end":916.25,"sentiment":"neutral","sentiment_score":0.048657160717993975},{"text":"So what that means is that we would typically see 80% of your funds invested in the growth assets.","start":916.25,"end":923.37,"sentiment":"neutral","sentiment_score":0.0700294247975475},{"text":"So that's like the Australian shares, international shares, listed property, and the 20% sitting in cash and, like, the bank hybrid option, for example, or fixed interest.","start":923.37,"end":936.145,"sentiment":"neutral","sentiment_score":0.07926067834099133},{"text":"Now as your I your retirement date is five years away, it doesn't have to be this review.","start":937.245,"end":945.67,"sentiment":"neutral","sentiment_score":0.0106785429848565},{"text":"But at some point, what we would need to do is start looking at that allocation and whether we look at reducing some to defensive assets, more to defensive assets as you get closer to 60 so that the income producing assets are there as well as the growth.","start":945.89,"end":964.095,"sentiment":"neutral","sentiment_score":0.032920895486461876}],"sentiment":"neutral","sentiment_score":0.04708039389381595,"num_words":141,"start":905.105,"end":964.095},{"sentences":[{"text":"And we it'll we call it a bucket, basically.","start":964.095,"end":967.635,"sentiment":"neutral","sentiment_score":0.09481478772229618},{"text":"You don't want to sell any gross assets to fund your retirement income.","start":968.25,"end":973.21,"sentiment":"neutral","sentiment_score":-0.0227125442515199},{"text":"We always want your gross assets sitting there growing, producing income, doing both while your defensive assets is producing more of an income to top up that bucket to fund your income need of $1,500 per week.","start":973.21,"end":987.005,"sentiment":"neutral","sentiment_score":0.14741204398356983},{"text":"So we don't need to look at probably changing any of that allocation now.","start":987.305,"end":992.025,"sentiment":"neutral","sentiment_score":-0.08782166215990271},{"text":"You're still five years out.","start":992.025,"end":993.645,"sentiment":"neutral","sentiment_score":-0.04174535013735294}],"sentiment":"neutral","sentiment_score":0.05864212334227677,"num_words":78,"start":964.095,"end":993.645},{"sentences":[{"text":"But I would say within the next maybe the next review, we'd start looking at getting closer to it.","start":993.945,"end":999.16,"sentiment":"neutral","sentiment_score":-0.02062836034517539},{"text":"But definitely by three years out, I would want to start looking at reducing well, increasing a little bit more of your assets to defensive or just to start building that cash reserve for impending retirement.","start":999.16,"end":1013.585,"sentiment":"neutral","sentiment_score":0.018626318934063118},{"text":"Does that make sense?","start":1014.125,"end":1015.265,"sentiment":"neutral","sentiment_score":0.04502265574410558},{"text":"Okay.","start":1016.525,"end":1017.025,"sentiment":"positive","sentiment_score":0.4040082395076752},{"text":"Fantastic.","start":1017.085,"end":1017.585,"sentiment":"positive","sentiment_score":0.763130784034729}],"sentiment":"neutral","sentiment_score":0.02665308658338961,"num_words":61,"start":993.945,"end":1017.585},{"sentences":[{"text":"The rest of your portfolio is actually doing quite well.","start":1019.005,"end":1023.2,"sentiment":"positive","sentiment_score":0.7174376606941223},{"text":"You're got a lot of diversification.","start":1023.26,"end":1025.04,"sentiment":"positive","sentiment_score":0.6400137941042582},{"text":"They get in there.","start":1025.42,"end":1026.3,"sentiment":"positive","sentiment_score":0.4698915258049965},{"text":"You've got some niche markets being your global agriculture, your global cyber, and some physical gold along with the the iShares S and P 500, so you're American for US exposure.","start":1026.3,"end":1040.515,"sentiment":"positive","sentiment_score":0.35684291201253093},{"text":"And you also have the Australian fixed interest in there, which is the nice defensive portion as well.","start":1040.895,"end":1046.835,"sentiment":"positive","sentiment_score":0.38227878593736225}],"sentiment":"positive","sentiment_score":0.44691556368185126,"num_words":69,"start":1019.005,"end":1046.835},{"sentences":[{"text":"I'm pretty happy with your portfolio.","start":1049.455,"end":1051.31,"sentiment":"positive","sentiment_score":0.7672251363595327},{"text":"I'm gonna review it as a whole anyhow, but I'm definitely gonna look at the Benelon and the hybrid, and I'll have a look at if there's any other tweaks that need to be made just to make sure that it works in with your retirement goals.","start":1051.31,"end":1064.195,"sentiment":"neutral","sentiment_score":0.3290878112645859},{"text":"Mhmm.","start":1078.895,"end":1079.19,"sentiment":"neutral","sentiment_score":0.002757214242592454},{"text":"Drawing from your super?","start":1083.9099,"end":1085.69,"sentiment":"neutral","sentiment_score":-0.004329057177528739},{"text":"Yep.","start":1087.19,"end":1087.69,"sentiment":"neutral","sentiment_score":0.01156063936650753}],"sentiment":"positive","sentiment_score":0.3401267724151139,"num_words":59,"start":1049.455,"end":1087.69},{"sentences":[{"text":"Leave that with me.","start":1087.75,"end":1088.5499,"sentiment":"neutral","sentiment_score":-0.01245466060936451},{"text":"That's something that I would we would need to model out.","start":1088.5499,"end":1091.2899,"sentiment":"neutral","sentiment_score":0.02127099803394892},{"text":"So you had drawing on 1,500.","start":1091.6699,"end":1095.985,"sentiment":"neutral","sentiment_score":0.002288218587636948},{"text":"I guess that's another question I wanted to ask.","start":1095.985,"end":1098.245,"sentiment":"neutral","sentiment_score":-0.006082625542249944},{"text":"Cassandra.","start":1098.625,"end":1099.125,"sentiment":"neutral","sentiment_score":-0.006617123261094093}],"sentiment":"neutral","sentiment_score":0.004404222397434134,"num_words":31,"start":1087.75,"end":1099.125},{"sentences":[{"text":"How old Cassandra?","start":1099.345,"end":1100.325,"sentiment":"neutral","sentiment_score":-0.011888743999103705},{"text":"Yep.","start":1104.705,"end":1105.105,"sentiment":"neutral","sentiment_score":0.009410095401108263},{"text":"Okay.","start":1105.105,"end":1105.605,"sentiment":"neutral","sentiment_score":0.011377970688045023},{"text":"And that's $1,500.","start":1105.78,"end":1107.62,"sentiment":"neutral","sentiment_score":0.009937191226830086},{"text":"Is that for you only or for you combined?","start":1107.62,"end":1111.48,"sentiment":"neutral","sentiment_score":-0.0013811692802442445}],"sentiment":"neutral","sentiment_score":0.0001472284853020135,"num_words":17,"start":1099.345,"end":1111.48},{"sentences":[{"text":"Does Cassandra plan on retiring when you are 60?","start":1111.62,"end":1114.36,"sentiment":"neutral","sentiment_score":-0.019385534442133374},{"text":"Yeah.","start":1121.14,"end":1121.385,"sentiment":"neutral","sentiment_score":-0.024295948445796967},{"text":"Yeah.","start":1121.705,"end":1121.865,"sentiment":"neutral","sentiment_score":-0.03388643637299538},{"text":"So that yeah.","start":1121.865,"end":1130.605,"sentiment":"neutral","sentiment_score":-0.08855437239011128},{"text":"So I think probably there's a couple of factors in there that we need to really consider because Cassandra, depending on what her superannuation balance is, and if she can't access her till 60, so she's behind you.","start":1130.745,"end":1147.8099,"sentiment":"neutral","sentiment_score":-0.11442805003178746}],"sentiment":"neutral","sentiment_score":-0.09320348486877404,"num_words":52,"start":1111.62,"end":1147.8099},{"sentences":[{"text":"So in relation to that, if she was to retire when you were 60, is that $1,500 for you both, or is it gonna need to be more?","start":1147.87,"end":1156.555,"sentiment":"neutral","sentiment_score":-0.03621039832276957},{"text":"Because we may need to supplement it from your superannuation until Cassandra reaches the age of 60, whereas then we'd look at reducing your drawdown and increasing Cassandra's.","start":1156.555,"end":1168.8999,"sentiment":"neutral","sentiment_score":0.04292610929613667},{"text":"So there's a couple of factors there for retirement for us to consider on how you both want to or how you you see it occurring.","start":1169.2799,"end":1183.395,"sentiment":"neutral","sentiment_score":0.22260396039256683},{"text":"Because it for me to be able to model it out, I can definitely model it out on $1,500 a week, $8.60 for you.","start":1183.455,"end":1190.71,"sentiment":"positive","sentiment_score":0.5941670164465904},{"text":"It doesn't take into account the other factors that I just from a holistic point of view, what, as a family, what you and Cassandra wanna achieve.","start":1190.71,"end":1200.01,"sentiment":"neutral","sentiment_score":0.251757749804744}],"sentiment":"neutral","sentiment_score":0.20325722193163365,"num_words":133,"start":1147.87,"end":1200.01},{"sentences":[{"text":"So that's okay.","start":1207.2151,"end":1208.275,"sentiment":"neutral","sentiment_score":0.10231502850850423},{"text":"Did you want me to put that in an email for something?","start":1208.415,"end":1211.295,"sentiment":"neutral","sentiment_score":0.09622899442911148},{"text":"It doesn't you don't need to come back to me anytime soon because we don't need to discuss it in this review.","start":1211.295,"end":1216.435,"sentiment":"neutral","sentiment_score":-0.014015011701055548},{"text":"What I will do is I will model out 60 to 1,500, but just something that you and Cassandra can have a chat about as retirement draws closer of what it is that you really, really want to.","start":1217.25,"end":1229.35,"sentiment":"positive","sentiment_score":0.4451415483888827},{"text":"Is that okay?","start":1231.4851,"end":1232.4651,"sentiment":"neutral","sentiment_score":0.24734840790430704}],"sentiment":"neutral","sentiment_score":0.24116393363771912,"num_words":78,"start":1207.2151,"end":1232.4651},{"sentences":[{"text":"Okay.","start":1234.045,"end":1234.545,"sentiment":"neutral","sentiment_score":0.05008900910615921},{"text":"Yes.","start":1236.125,"end":1236.625,"sentiment":"neutral","sentiment_score":0.004947105422616005},{"text":"Yeah.","start":1239.805,"end":1240.305,"sentiment":"neutral","sentiment_score":-0.0028844401240348816},{"text":"Yeah.","start":1256.23,"end":1256.505,"sentiment":"neutral","sentiment_score":0.010440614074468613},{"text":"Mhmm.","start":1268.185,"end":1268.52,"sentiment":"neutral","sentiment_score":0.004363362677395344}],"sentiment":"neutral","sentiment_score":0.013391130231320858,"num_words":5,"start":1234.045,"end":1268.52},{"sentences":[{"text":"Ingeo Superfund?","start":1274.52,"end":1275.5801,"sentiment":"neutral","sentiment_score":0.026098192669451237},{"text":"Hang on.","start":1278.76,"end":1279.16,"sentiment":"neutral","sentiment_score":-0.0015064021572470665},{"text":"Just let me jump into Hub 24 now while I've got you.","start":1279.16,"end":1282.775,"sentiment":"neutral","sentiment_score":0.03794131459047397},{"text":"Give me one second.","start":1282.775,"end":1283.915,"sentiment":"neutral","sentiment_score":0.005413236154709011},{"text":"Yeah.","start":1292.055,"end":1292.555,"sentiment":"neutral","sentiment_score":-0.05972807854413986}],"sentiment":"neutral","sentiment_score":0.022209724865942485,"num_words":21,"start":1274.52,"end":1292.555},{"sentences":[{"text":"Yep.","start":1295.0599,"end":1295.5599,"sentiment":"neutral","sentiment_score":0.0782618373632431},{"text":"Give me one second to jump in.","start":1296.6599,"end":1298.6799,"sentiment":"neutral","sentiment_score":0.024647086326565062},{"text":"I just don't have that report handy.","start":1299.0599,"end":1300.74,"sentiment":"neutral","sentiment_score":-0.15135956236294337},{"text":"So if I jump in live, I can actually see what you're talking to, and then we can chat about that.","start":1300.74,"end":1309.1749,"sentiment":"neutral","sentiment_score":0.028836862317153385},{"text":"Okay.","start":1320.5149,"end":1320.99,"sentiment":"neutral","sentiment_score":0.025146622210741043}],"sentiment":"neutral","sentiment_score":-0.00481093956812008,"num_words":37,"start":1295.0599,"end":1320.99},{"sentences":[{"text":"So that's July and September of this year?","start":1329.95,"end":1332.37,"sentiment":"neutral","sentiment_score":0.02844952465966344},{"text":"Yep.","start":1334.67,"end":1334.985,"sentiment":"neutral","sentiment_score":0.029802357777953148},{"text":"'6 of the '9.","start":1363.255,"end":1364.055,"sentiment":"neutral","sentiment_score":-0.006423561571864411},{"text":"Yep.","start":1364.055,"end":1364.455,"sentiment":"neutral","sentiment_score":0.0396808348596096},{"text":"Yep.","start":1364.455,"end":1364.935,"sentiment":"neutral","sentiment_score":0.04782779514789581}],"sentiment":"neutral","sentiment_score":0.02128086258502056,"num_words":15,"start":1329.95,"end":1364.935},{"sentences":[{"text":"So that's our advice fee.","start":1364.935,"end":1366.615,"sentiment":"neutral","sentiment_score":0.07191842570900916},{"text":"That's correct.","start":1366.615,"end":1367.355,"sentiment":"neutral","sentiment_score":0.17701887339353561},{"text":"Correct.","start":1372.855,"end":1373.255,"sentiment":"neutral","sentiment_score":0.07679646462202072},{"text":"That is the 1.6 5%.","start":1373.255,"end":1375.78,"sentiment":"neutral","sentiment_score":0.028981821611523628},{"text":"Yeah.","start":1375.84,"end":1376.32,"sentiment":"neutral","sentiment_score":0.07184436172246933}],"sentiment":"neutral","sentiment_score":0.0719414149810161,"num_words":14,"start":1364.935,"end":1376.32},{"sentences":[{"text":"Yep.","start":1376.32,"end":1376.82,"sentiment":"neutral","sentiment_score":0.06363815069198608},{"text":"So that that totaled out is the annual fee.","start":1377.04,"end":1380.64,"sentiment":"neutral","sentiment_score":0.041447329024473824},{"text":"So that times 12 is the annual fee.","start":1380.64,"end":1383.2999,"sentiment":"neutral","sentiment_score":0.022948669269680977},{"text":"Yep.","start":1390.555,"end":1390.875,"sentiment":"neutral","sentiment_score":0.0908057540655136},{"text":"So that is the expense recovery fee is the superannuation platform.","start":1390.875,"end":1397.855,"sentiment":"neutral","sentiment_score":0.056426029313694344}],"sentiment":"neutral","sentiment_score":0.04439151808619499,"num_words":30,"start":1376.32,"end":1397.855},{"sentences":[{"text":"So what they do is they estimate out the fees.","start":1398.555,"end":1404.735,"sentiment":"neutral","sentiment_score":0.03751921430230141},{"text":"And what it is is the superannuation, if there's a shortfall in it, in administrative costs on the superannuation fund, for example, that shortfall is calculated once a year.","start":1406.07,"end":1419.75,"sentiment":"neutral","sentiment_score":-0.11832962981585798},{"text":"So there was a shortfall of $45.12 in fees payable to hub twenty four for the admin or potentially even investment fees, but they don't give us details to that, and that's what that is.","start":1419.75,"end":1432.98,"sentiment":"neutral","sentiment_score":-0.16364640167781286},{"text":"Is.","start":1432.98,"end":1433.48,"sentiment":"neutral","sentiment_score":-0.017561450600624084},{"text":"It's very common.","start":1434.26,"end":1435.4,"sentiment":"neutral","sentiment_score":-0.006425403679410617}],"sentiment":"neutral","sentiment_score":-0.11308754925639966,"num_words":78,"start":1398.555,"end":1435.4},{"sentences":[{"text":"Yes.","start":1444.82,"end":1445.025,"sentiment":"neutral","sentiment_score":0.05343779921531677},{"text":"Correct.","start":1446.9451,"end":1447.425,"sentiment":"neutral","sentiment_score":0.10002341121435164},{"text":"So if you look at that performance chart or document there, if you look at each of those funds, they all charge what they call as an investment fee.","start":1447.425,"end":1457.845,"sentiment":"neutral","sentiment_score":-0.008684989964139873},{"text":"That's the total of those investment fees across your whole entire portfolio.","start":1458.9451,"end":1464.49,"sentiment":"neutral","sentiment_score":-0.02015252209578951},{"text":"Not purchasing for the management.","start":1471.445,"end":1473.045,"sentiment":"negative","sentiment_score":-0.3370274186134338}],"sentiment":"neutral","sentiment_score":-0.04219522618222982,"num_words":48,"start":1444.82,"end":1473.045},{"sentences":[{"text":"So let's use Bannalong, for example, because it's at the top.","start":1473.045,"end":1476.425,"sentiment":"neutral","sentiment_score":0.0570300646464933},{"text":"They have a fee per month, so it's usually a percent based fee.","start":1476.485,"end":1480.565,"sentiment":"neutral","sentiment_score":0.04592237420953237},{"text":"It might be point eight three or something, for example.","start":1480.565,"end":1483.605,"sentiment":"neutral","sentiment_score":0.03063734956085682},{"text":"I can get the exact one for you.","start":1483.605,"end":1485.12,"sentiment":"neutral","sentiment_score":0.07171615213155746},{"text":"And that's charged monthly for the and that's the investment fund manager.","start":1485.28,"end":1489.68,"sentiment":"neutral","sentiment_score":0.036434901567796864}],"sentiment":"neutral","sentiment_score":0.047067464950184025,"num_words":54,"start":1473.045,"end":1489.68},{"sentences":[{"text":"So every single client that holds any exposure to the Benelon Australian Equity Fund pays that fee.","start":1489.68,"end":1495.7,"sentiment":"neutral","sentiment_score":0.05446047686478671},{"text":"So that covers their administration, basically.","start":1496.0,"end":1496.0533,"sentiment":"neutral","sentiment_score":0.06760837758580844},{"text":"The moving well, the administration, basically.","start":1496.0533,"end":1499.6951,"sentiment":"neutral","sentiment_score":0.2734701285759608},{"text":"They're moving well, the research they conduct to buy into specific investments, it's the same across every single fund.","start":1499.9951,"end":1507.9951,"sentiment":"neutral","sentiment_score":0.23213547428971842},{"text":"So each fund will have a different will charge a different fee.","start":1507.9951,"end":1512.4199,"sentiment":"neutral","sentiment_score":0.057270146595935024}],"sentiment":"neutral","sentiment_score":0.13450191523879768,"num_words":60,"start":1489.68,"end":1512.4199},{"sentences":[{"text":"Typically, the ETF, so those bottom six that you have exposure to, those fees are typically less than a managed fund, which is your Benelon and ClearBridge above.","start":1512.4199,"end":1524.905,"sentiment":"neutral","sentiment_score":0.04794604131685836},{"text":"So an ETF and it's the investment manager's fee.","start":1525.525,"end":1529.2251,"sentiment":"neutral","sentiment_score":0.023843280971050262},{"text":"So that return that I gave you before of 5%, that's after all of typically see typically see a return of between seven to nine percent.","start":1533.4451,"end":1555.815,"sentiment":"neutral","sentiment_score":-0.012957245326386048},{"text":"We would want to see with one in every five years being negative.","start":1556.115,"end":1560.615,"sentiment":"negative","sentiment_score":-0.35108670133810777},{"text":"Now where it's the last twelve months has definitely fallen short of that, and that is due to the.","start":1561.5549,"end":1570.0599,"sentiment":"negative","sentiment_score":-0.4619831442832947}],"sentiment":"neutral","sentiment_score":-0.1275959637016058,"num_words":95,"start":1512.4199,"end":1570.0599},{"sentences":[{"text":"If we if we project out sorry.","start":1572.36,"end":1576.2999,"sentiment":"neutral","sentiment_score":-0.15321578830480576},{"text":"I'll I can do all these figures afterwards and it in an email for you.","start":1576.6,"end":1580.375,"sentiment":"neutral","sentiment_score":-0.04525618255138397},{"text":"But the the underperformance if, let's say, for example, Bennelong hadn't been in there, Bennelong's per has been a great performer in the past and has probably helped really provide some significant growth in the past to your portfolio.","start":1581.9551,"end":1596.28,"sentiment":"neutral","sentiment_score":0.05963579737223112},{"text":"Unfortunately, in the last twelve months, it has let us down, and that's why we are looking to alternatives for a replacement.","start":1596.98,"end":1606.4401,"sentiment":"negative","sentiment_score":-0.4852741076187654},{"text":"Any other questions about the investments or fees or anything that you you need you want me to clarify or provide information on?","start":1610.9551,"end":1618.5751,"sentiment":"neutral","sentiment_score":0.018176617870188278}],"sentiment":"neutral","sentiment_score":-0.0913540124102443,"num_words":106,"start":1572.36,"end":1618.5751},{"sentences":[{"text":"Yeah.","start":1631.2999,"end":1631.7999,"sentiment":"neutral","sentiment_score":-0.03461752459406853},{"text":"You've got it down as growth.","start":1638.1,"end":1639.775,"sentiment":"neutral","sentiment_score":-0.17389797419309616},{"text":"Yep.","start":1640.7151,"end":1641.2151,"sentiment":"neutral","sentiment_score":-0.006962792482227087},{"text":"Yep.","start":1646.635,"end":1647.135,"sentiment":"neutral","sentiment_score":0.08728155493736267},{"text":"Yeah.","start":1647.515,"end":1648.015,"sentiment":"neutral","sentiment_score":0.09809836745262146}],"sentiment":"neutral","sentiment_score":-0.08995882398448884,"num_words":10,"start":1631.2999,"end":1648.015},{"sentences":[{"text":"We we say, yeah, seven to nine, so that's 8% the middle ground.","start":1648.395,"end":1652.36,"sentiment":"neutral","sentiment_score":0.10668294074443671},{"text":"Yep.","start":1653.46,"end":1653.96,"sentiment":"neutral","sentiment_score":0.10028098523616792},{"text":"So yep.","start":1655.62,"end":1657.96,"sentiment":"neutral","sentiment_score":0.10231490060687065},{"text":"Oh, no.","start":1659.62,"end":1660.02,"sentiment":"neutral","sentiment_score":-0.05069297272711992},{"text":"No.","start":1660.02,"end":1660.1,"sentiment":"neutral","sentiment_score":-0.11609133332967758}],"sentiment":"neutral","sentiment_score":0.0775953545970352,"num_words":19,"start":1648.395,"end":1660.1},{"sentences":[{"text":"No.","start":1660.1,"end":1660.26,"sentiment":"neutral","sentiment_score":-0.11525709927082062},{"text":"I was just gonna say, did you have any other questions that I can help?","start":1660.26,"end":1663.56,"sentiment":"neutral","sentiment_score":-0.008244027569890022},{"text":"Yeah.","start":1666.1,"end":1666.395,"sentiment":"neutral","sentiment_score":-0.07315553724765778},{"text":"Yeah.","start":1673.515,"end":1673.595,"sentiment":"neutral","sentiment_score":-0.0120683666318655},{"text":"Mhmm.","start":1673.595,"end":1674.095,"sentiment":"neutral","sentiment_score":0.029113860800862312}],"sentiment":"neutral","sentiment_score":-0.01552776609988589,"num_words":19,"start":1660.1,"end":1674.095},{"sentences":[{"text":"Yeah.","start":1701.495,"end":1701.8151,"sentiment":"neutral","sentiment_score":0.13332407176494598},{"text":"Yeah.","start":1701.8151,"end":1702.055,"sentiment":"neutral","sentiment_score":0.12879829108715057},{"text":"And I understand that.","start":1702.055,"end":1703.015,"sentiment":"neutral","sentiment_score":0.11056003160774708},{"text":"So if we looked at it at the beginning of twelve months and doing a $100, we would expect the return to sit at about 14%.","start":1703.015,"end":1717.01,"sentiment":"neutral","sentiment_score":0.053604513550033935},{"text":"So the about 14%.","start":1717.47,"end":1720.43,"sentiment":"neutral","sentiment_score":-0.037281681783497334}],"sentiment":"neutral","sentiment_score":0.054137586512499385,"num_words":36,"start":1701.495,"end":1720.43},{"sentences":[{"text":"If we looked at your beginning your opening balance twelve months ago being $6.94 500, if we expected a $100 on top of that in gross and income, so the two combined, we'd be looking at somewhat of a return of 14% to get that figure.","start":1720.43,"end":1740.23,"sentiment":"neutral","sentiment_score":0.06371172906264015},{"text":"You know, the last few years have been fruitful for a lot of us, especially post COVID.","start":1740.69,"end":1749.75,"sentiment":"neutral","sentiment_score":0.32727251245695},{"text":"Markets really did and even in COVID, the recovery, markets really did do great things for a a lot of us.","start":1750.875,"end":1759.775,"sentiment":"positive","sentiment_score":0.3548297853696914},{"text":"However, an ongoing return of about 14% each year is not ideally it's not realistic.","start":1761.595,"end":1769.37,"sentiment":"negative","sentiment_score":-0.36646748185157774},{"text":"But if we what I did if what I do is look at an annualized return let me have a look.","start":1769.75,"end":1778.87,"sentiment":"neutral","sentiment_score":-0.006948203735408329}],"sentiment":"neutral","sentiment_score":0.08585727695996563,"num_words":120,"start":1720.43,"end":1778.87},{"sentences":[{"text":"If you just give me one sec.","start":1778.87,"end":1783.6051,"sentiment":"neutral","sentiment_score":0.018659342878631184},{"text":"If we look at let's have a look.","start":1784.385,"end":1789.1051,"sentiment":"neutral","sentiment_score":0.021934827556833625},{"text":"So we'll do it in calendar years.","start":1789.1051,"end":1793.045,"sentiment":"neutral","sentiment_score":0.03263292887381145},{"text":"So if we go back What I'm gonna do is have a look at the annualized returns over time.","start":1795.905,"end":1823.24,"sentiment":"neutral","sentiment_score":0.0319422030037171},{"text":"I think sometimes myself guilty of it as well is we do look at the one year return as opposed to the long term return.","start":1823.3,"end":1834.12,"sentiment":"neutral","sentiment_score":-0.10739871799945831}],"sentiment":"neutral","sentiment_score":-0.023386993487788874,"num_words":66,"start":1778.87,"end":1834.12},{"sentences":[{"text":"Because from year to year, it's gonna vary depending on how what's going on in the world.","start":1835.78,"end":1841.225,"sentiment":"neutral","sentiment_score":-0.07134404800394002},{"text":"So our yeah.","start":1841.9249,"end":1843.865,"sentiment":"neutral","sentiment_score":0.021914754062891006},{"text":"Yeah.","start":1844.085,"end":1844.585,"sentiment":"neutral","sentiment_score":0.04185923561453819},{"text":"So if we look at the annual return for the last five years, so your portfolio so this is specific to your portfolio.","start":1844.725,"end":1852.01,"sentiment":"neutral","sentiment_score":0.03697896829765776},{"text":"The annualized return is sitting at 9.98% per year over the five years with a total return of 46.39%.","start":1853.3501,"end":1863.275,"sentiment":"neutral","sentiment_score":0.04816981218755245}],"sentiment":"neutral","sentiment_score":0.010484085462632634,"num_words":63,"start":1835.78,"end":1863.275},{"sentences":[{"text":"So we're always gonna get that volatility this year.","start":1863.275,"end":1866.495,"sentiment":"neutral","sentiment_score":-0.15699828333324856},{"text":"It's maybe one of the lower years that we're going to experience it, and I can send a report to you.","start":1866.875,"end":1872.735,"sentiment":"neutral","sentiment_score":-0.057182512290420984},{"text":"But over the last five years, it your annualized average out return is 9.98%.","start":1873.0349,"end":1879.98,"sentiment":"neutral","sentiment_score":0.05131225979753903},{"text":"So it is sitting where we want it to over the long term.","start":1879.98,"end":1883.36,"sentiment":"neutral","sentiment_score":0.13333576688399681},{"text":"We can go further back if you'll if if that if you need if you would like some more clarity because I know that information is key.","start":1883.74,"end":1892.425,"sentiment":"neutral","sentiment_score":0.1320729316384704}],"sentiment":"neutral","sentiment_score":0.040522481580930095,"num_words":84,"start":1863.275,"end":1892.425},{"sentences":[{"text":"When people have the information, it helps make informed decisions.","start":1892.425,"end":1898.185,"sentiment":"positive","sentiment_score":0.42443565726280214},{"text":"So I'm happy to provide as much information as you need for comfort as well.","start":1898.185,"end":1903.485,"sentiment":"positive","sentiment_score":0.5966751356919606},{"text":"So I'm pretty happy with that return being 9.98% averaged out over the five years.","start":1904.0,"end":1909.7001,"sentiment":"positive","sentiment_score":0.6461701373259227},{"text":"Hasn't yes.","start":1910.0,"end":1910.88,"sentiment":"neutral","sentiment_score":0.018987856339663267},{"text":"I agree.","start":1910.88,"end":1911.52,"sentiment":"neutral","sentiment_score":0.0668859202414751}],"sentiment":"positive","sentiment_score":0.5240632550240579,"num_words":44,"start":1892.425,"end":1911.52},{"sentences":[{"text":"Your account hasn't hit the mark this year.","start":1911.52,"end":1913.7001,"sentiment":"neutral","sentiment_score":-0.04307383205741644},{"text":"Been along being one of the factors.","start":1914.7201,"end":1916.26,"sentiment":"neutral","sentiment_score":-0.09511821078402656},{"text":"Interest rates, not only in Australia, worldwide with America as well, inflation, the cost of living, petrol prices, all those all those elements have really played into account this year.","start":1918.0,"end":1933.3151,"sentiment":"neutral","sentiment_score":-0.1296154874066512},{"text":"But in my view, it's really been the banner long account that has let us down in relation to performance of your portfolio.","start":1933.98,"end":1941.36,"sentiment":"neutral","sentiment_score":-0.22796494627128477},{"text":"I agree.","start":1947.58,"end":1948.4,"sentiment":"neutral","sentiment_score":-0.03219522908329964}],"sentiment":"neutral","sentiment_score":-0.14580667109361717,"num_words":70,"start":1911.52,"end":1948.4},{"sentences":[{"text":"I agree.","start":1948.54,"end":1949.2,"sentiment":"neutral","sentiment_score":0.04422234557569027},{"text":"So the that's definitely on my hit list to action for you.","start":1950.995,"end":1954.615,"sentiment":"neutral","sentiment_score":0.11006017463902633},{"text":"The next document is a Vanguard index chart.","start":1955.635,"end":1959.475,"sentiment":"neutral","sentiment_score":0.03908587759360671},{"text":"You've probably seen this many times or something similar.","start":1959.475,"end":1962.98,"sentiment":"neutral","sentiment_score":0.04825731242696444},{"text":"It just shows you market behavior.","start":1963.52,"end":1967.22,"sentiment":"neutral","sentiment_score":0.07637262592713039}],"sentiment":"neutral","sentiment_score":0.07065960472902737,"num_words":37,"start":1948.54,"end":1967.22},{"sentences":[{"text":"So you'll see along the top your events, worldwide events, and how the market has it has reacted to those, and then, again, how it recovers.","start":1967.6,"end":1977.435,"sentiment":"neutral","sentiment_score":0.08591031283140182},{"text":"Those top four on the right hand side is your growth assets.","start":1977.435,"end":1980.715,"sentiment":"neutral","sentiment_score":0.05893091484904289},{"text":"So as mentioned before, you've got 80% exposure to those.","start":1980.715,"end":1984.175,"sentiment":"neutral","sentiment_score":0.011928476579487323},{"text":"And the bottom two is your defensive income doesn't provide your portfolio as much growth.","start":1984.955,"end":1993.08,"sentiment":"neutral","sentiment_score":-0.06787783155838649},{"text":"It's designed there to help in times of volatility to still produce income when the market takes a bit of a tank.","start":1993.08,"end":2002.275,"sentiment":"neutral","sentiment_score":-0.1837628786875443}],"sentiment":"neutral","sentiment_score":-0.02353914031649337,"num_words":85,"start":1967.6,"end":2002.275},{"sentences":[{"text":"So are you comfortable for this year to keep following that 80% exposure, 20%, or did you wanna look at starting to decrease it knowing that that will also decrease your return over the next twelve months?","start":2003.635,"end":2020.29,"sentiment":"neutral","sentiment_score":-0.15899914674259522},{"text":"Yes.","start":2024.8301,"end":2024.99,"sentiment":"positive","sentiment_score":0.3484647572040558},{"text":"That is absolutely fine.","start":2024.99,"end":2026.53,"sentiment":"positive","sentiment_score":0.4532935097813606},{"text":"Because I think I think you still have time on your hands at the moment to still take that growth approach with at least within the next two years of looking at just increasing a little bit of exposure to defensive assets.","start":2027.9501,"end":2044.3201,"sentiment":"neutral","sentiment_score":0.18696624661485353},{"text":"Yeah.","start":2047.26,"end":2047.76,"sentiment":"neutral","sentiment_score":0.07699714601039886}],"sentiment":"neutral","sentiment_score":0.04950882200809086,"num_words":85,"start":2003.635,"end":2047.76},{"sentences":[{"text":"Okay.","start":2049.34,"end":2049.74,"sentiment":"neutral","sentiment_score":0.07241736352443695},{"text":"The next document is your certificate of currency.","start":2049.74,"end":2052.1401,"sentiment":"neutral","sentiment_score":0.053140454925596714},{"text":"So that's your insurance with Clearview just showing that it is in force.","start":2052.1401,"end":2056.32,"sentiment":"neutral","sentiment_score":0.07264283270790027},{"text":"The question I probably wanted to ask here is it's a small amount of cover.","start":2056.815,"end":2063.615,"sentiment":"neutral","sentiment_score":-0.05527152965466182},{"text":"It's not cover it's not costing you much in relation to premiums.","start":2063.615,"end":2068.9949,"sentiment":"neutral","sentiment_score":-0.07280855750044186}],"sentiment":"neutral","sentiment_score":-0.005324036871292153,"num_words":49,"start":2049.34,"end":2068.9949},{"sentences":[{"text":"Is there a reason given that you have very little debt that you're maintaining this cover?","start":2070.6702,"end":2078.53,"sentiment":"neutral","sentiment_score":-0.07914044009521604},{"text":"Mhmm.","start":2100.92,"end":2101.42,"sentiment":"neutral","sentiment_score":-0.005581122823059559},{"text":"Yep.","start":2101.96,"end":2102.46,"sentiment":"neutral","sentiment_score":0.005931925028562546},{"text":"Yep.","start":2105.08,"end":2105.58,"sentiment":"neutral","sentiment_score":0.0033497761469334364},{"text":"Yep.","start":2107.4,"end":2107.65,"sentiment":"neutral","sentiment_score":0.041378241032361984}],"sentiment":"neutral","sentiment_score":-0.06105841110693291,"num_words":20,"start":2070.6702,"end":2107.65},{"sentences":[{"text":"Yep.","start":2107.65,"end":2108.15,"sentiment":"neutral","sentiment_score":0.050883322954177856},{"text":"Absolutely.","start":2112.075,"end":2112.575,"sentiment":"neutral","sentiment_score":0.09984803944826126},{"text":"Yep.","start":2122.7148,"end":2123.115,"sentiment":"neutral","sentiment_score":0.06966304033994675},{"text":"I completely understand.","start":2123.115,"end":2124.49,"sentiment":"neutral","sentiment_score":0.11255149791638057},{"text":"Just wanted to touch base and check-in on that.","start":2124.49,"end":2126.9102,"sentiment":"neutral","sentiment_score":0.061059921979904175}],"sentiment":"neutral","sentiment_score":0.07383921295404434,"num_words":15,"start":2107.65,"end":2126.9102},{"sentences":[{"text":"There is always usually a reason why somebody wants to maintain that cover, and that is absolutely fine.","start":2127.29,"end":2133.55,"sentiment":"neutral","sentiment_score":0.045033684828215174},{"text":"I just wanted to check and make sure that it depends.","start":2133.6902,"end":2148.625,"sentiment":"neutral","sentiment_score":0.009122580289840698},{"text":"So the cover you have here is what we call underwritten cover.","start":2150.64,"end":2155.1199,"sentiment":"neutral","sentiment_score":-0.02247965910161535},{"text":"So when you applied for this cover with Clearview, there would have been a question on the application form that says, do you hold any other life TPD cover?","start":2155.1199,"end":2165.5051,"sentiment":"neutral","sentiment_score":-0.017707253645720154},{"text":"If you didn't if you didn't at that point in time, that's absolutely fine.","start":2166.125,"end":2170.705,"sentiment":"neutral","sentiment_score":0.1418925247022084}],"sentiment":"neutral","sentiment_score":0.025168854654544874,"num_words":84,"start":2127.29,"end":2170.705},{"sentences":[{"text":"You are able to 100% have multiple life covers.","start":2171.725,"end":2175.81,"sentiment":"positive","sentiment_score":0.4630318648285336},{"text":"But with underwritten cover, it needs to be taken into consideration by the underwriters.","start":2177.73,"end":2183.11,"sentiment":"neutral","sentiment_score":-0.004831963617886815},{"text":"So given your low levels of cover, it's it was it'd be unlikely to be an issue.","start":2183.25,"end":2187.6702,"sentiment":"neutral","sentiment_score":-0.07552727914470084},{"text":"But, typically, if you held, for example, an industry fund, so if you have let's call it what's one of the most common ones?","start":2189.535,"end":2200.355,"sentiment":"neutral","sentiment_score":0.018598106456920505},{"text":"Q super, for example, and you have a life insurance policy in there that's group cover, they would look at that, the insurers, and one and say, see if the need was there to pay out.","start":2202.1602,"end":2216.9849,"sentiment":"neutral","sentiment_score":-0.0152876298104982}],"sentiment":"neutral","sentiment_score":0.027116754291346298,"num_words":100,"start":2171.725,"end":2216.9849},{"sentences":[{"text":"So you can have more than one.","start":2216.9849,"end":2218.825,"sentiment":"neutral","sentiment_score":0.054409626339163096},{"text":"It just depends what your what type you're talking about and whether it had been considered.","start":2218.825,"end":2228.01,"sentiment":"neutral","sentiment_score":-0.01027746545150876},{"text":"The ETUs.","start":2251.145,"end":2251.7249,"sentiment":"neutral","sentiment_score":-0.018302038311958313},{"text":"Is that, like, your employer an employment scheme?","start":2251.9448,"end":2254.5598,"sentiment":"neutral","sentiment_score":-0.04229925666004419},{"text":"Yeah.","start":2257.0999,"end":2257.5999,"sentiment":"neutral","sentiment_score":0.0008668974041938782}],"sentiment":"neutral","sentiment_score":-0.00463833221617867,"num_words":34,"start":2216.9849,"end":2257.5999},{"sentences":[{"text":"Okay.","start":2259.8198,"end":2260.3198,"sentiment":"neutral","sentiment_score":-0.0015334710478782654},{"text":"And the ETU, what what is that?","start":2260.46,"end":2262.22,"sentiment":"neutral","sentiment_score":-0.025230375916830132},{"text":"Sorry?","start":2262.22,"end":2262.72,"sentiment":"neutral","sentiment_score":-0.05565197765827179},{"text":"Yep.","start":2266.46,"end":2266.8599,"sentiment":"neutral","sentiment_score":0.006329005118459463},{"text":"Okay.","start":2266.8599,"end":2267.26,"sentiment":"neutral","sentiment_score":0.009859053418040276}],"sentiment":"neutral","sentiment_score":-0.01978272923522375,"num_words":11,"start":2259.8198,"end":2267.26},{"sentences":[{"text":"Yep.","start":2267.26,"end":2267.5,"sentiment":"neutral","sentiment_score":0.017980411648750305},{"text":"So that wouldn't come into play anyway with regards to life insurance.","start":2267.5,"end":2271.565,"sentiment":"neutral","sentiment_score":-0.0486348873625199},{"text":"No.","start":2272.185,"end":2272.425,"sentiment":"neutral","sentiment_score":-0.1999591886997223},{"text":"No.","start":2272.425,"end":2272.905,"sentiment":"neutral","sentiment_score":-0.20512135326862335},{"text":"No.","start":2272.905,"end":2273.145,"sentiment":"neutral","sentiment_score":-0.2303487658500671}],"sentiment":"neutral","sentiment_score":-0.07506672153249383,"num_words":16,"start":2267.26,"end":2273.145},{"sentences":[{"text":"No.","start":2273.145,"end":2273.645,"sentiment":"neutral","sentiment_score":-0.2448025345802307},{"text":"Because that's with your union.","start":2273.945,"end":2275.405,"sentiment":"neutral","sentiment_score":-0.17037089467048644},{"text":"That's that's completely separate to what we manage.","start":2275.545,"end":2280.345,"sentiment":"neutral","sentiment_score":-0.12153593264520168},{"text":"Like, that would not impact a life insurance policy that you have here or external.","start":2280.345,"end":2282.295,"sentiment":"neutral","sentiment_score":-0.11035271584987641},{"text":"That I would need to probably have a look at that a little bit further just to see.","start":2292.37,"end":2303.715,"sentiment":"neutral","sentiment_score":0.015444571152329445}],"sentiment":"neutral","sentiment_score":-0.07332410481064877,"num_words":47,"start":2273.145,"end":2303.715},{"sentences":[{"text":"I don't think there'd be any significant issues.","start":2303.715,"end":2306.355,"sentiment":"negative","sentiment_score":-0.3355742543935776},{"text":"When did you get that cover?","start":2306.355,"end":2308.0552,"sentiment":"neutral","sentiment_score":-0.1467698017756144},{"text":"Oh, they paid for it?","start":2317.65,"end":2318.93,"sentiment":"neutral","sentiment_score":0.01168639175593853},{"text":"You're employer?","start":2318.93,"end":2319.67,"sentiment":"neutral","sentiment_score":-0.038278715685009956},{"text":"Okay.","start":2321.41,"end":2321.91,"sentiment":"neutral","sentiment_score":0.04989343136548996}],"sentiment":"neutral","sentiment_score":-0.16061113122850657,"num_words":22,"start":2303.715,"end":2321.91},{"sentences":[{"text":"Alright.","start":2322.45,"end":2322.95,"sentiment":"neutral","sentiment_score":-0.062243297696113586},{"text":"What I might do is if you have a statement of any kind, I can put it on an email when I email it through to you.","start":2323.17,"end":2330.0251,"sentiment":"neutral","sentiment_score":0.06238310383977713},{"text":"If you do have a statement of any kind, I would like to have a look at that just to make sure there's no impacts to you.","start":2330.0251,"end":2335.945,"sentiment":"neutral","sentiment_score":0.007684568564097087},{"text":"I don't there would be, but I can't say categorically if there is or isn't.","start":2335.945,"end":2341.0999,"sentiment":"neutral","sentiment_score":-0.1928410053253174},{"text":"So I'll just put that on my notes for me to check-in with you.","start":2343.16,"end":2350.94,"sentiment":"neutral","sentiment_score":0.11254961043596268}],"sentiment":"neutral","sentiment_score":0.00610313480276437,"num_words":84,"start":2322.45,"end":2350.94},{"sentences":[{"text":"The next document is your financial services guide.","start":2351.9348,"end":2355.315,"sentiment":"neutral","sentiment_score":0.05018887482583523},{"text":"It's in the past.","start":2355.4548,"end":2357.775,"sentiment":"neutral","sentiment_score":0.05367512907832861},{"text":"It explains who we are, you know, the guide, the license by and how to make a complaint.","start":2357.775,"end":2367.1199,"sentiment":"neutral","sentiment_score":0.046449811508258186},{"text":"And then the next document is your ongoing oh, yeah.","start":2368.22,"end":2377.02,"sentiment":"neutral","sentiment_score":0.014651311002671719},{"text":"That's fine.","start":2377.02,"end":2377.84,"sentiment":"neutral","sentiment_score":0.10284855216741562}],"sentiment":"neutral","sentiment_score":0.04296472229595695,"num_words":42,"start":2351.9348,"end":2377.84},{"sentences":[{"text":"Oh, I'm not in there yet.","start":2378.38,"end":2379.66,"sentiment":"neutral","sentiment_score":-0.1109940018504858},{"text":"I've not long started with Oaktree, so I think so.","start":2379.66,"end":2385.625,"sentiment":"neutral","sentiment_score":-0.09241330213844776},{"text":"Yeah.","start":2388.885,"end":2388.965,"sentiment":"neutral","sentiment_score":0.03114899806678295},{"text":"Yep.","start":2388.965,"end":2389.2852,"sentiment":"neutral","sentiment_score":0.02730819210410118},{"text":"So I've been an adviser for gosh.","start":2389.2852,"end":2392.0251,"sentiment":"neutral","sentiment_score":-0.00927759553971035}],"sentiment":"neutral","sentiment_score":-0.06386332044377924,"num_words":25,"start":2378.38,"end":2392.0251},{"sentences":[{"text":"Oh, I don't even wanna say I'm an adviser for Oakview, but I've only just started with Oakview in the last few months.","start":2393.0452,"end":2400.79,"sentiment":"neutral","sentiment_score":-0.06342792478592499},{"text":"But I have been an adviser for, I would say, about fifteen years.","start":2400.79,"end":2406.01,"sentiment":"neutral","sentiment_score":0.033539499514378034},{"text":"So I've I've, you know, I've I've got some experience under my belt to work with you, so don't worry.","start":2406.3098,"end":2415.155,"sentiment":"neutral","sentiment_score":0.0698706602677703},{"text":"Just to give you some what do they call it?","start":2416.0151,"end":2419.395,"sentiment":"neutral","sentiment_score":0.011013311520218848},{"text":"Yes.","start":2420.0151,"end":2420.335,"sentiment":"neutral","sentiment_score":0.1121881753206253}],"sentiment":"neutral","sentiment_score":0.008909040589385958,"num_words":67,"start":2393.0452,"end":2420.335},{"sentences":[{"text":"That's the word.","start":2420.335,"end":2421.0552,"sentiment":"neutral","sentiment_score":0.17908901472886404},{"text":"Thank you.","start":2421.0552,"end":2421.7952,"sentiment":"positive","sentiment_score":0.4594484269618988},{"text":"The next document in that after the FSG, we'll call it, is the fee document, which looks like it hasn't been completed correctly.","start":2425.45,"end":2438.885,"sentiment":"neutral","sentiment_score":-0.01509655866286029},{"text":"If I'm looking at that, I'm gonna have to get that reissued to you because I don't know what the fee is.","start":2439.0251,"end":2445.5251,"sentiment":"neutral","sentiment_score":-0.11396272243423895},{"text":"So it's it will be a fixed rate for it a fixed rate fee.","start":2445.745,"end":2451.06,"sentiment":"neutral","sentiment_score":-0.0386458918718355}],"sentiment":"neutral","sentiment_score":-0.030301239545224234,"num_words":64,"start":2420.335,"end":2451.06},{"sentences":[{"text":"So you'll you said earlier, the 1.65%.","start":2451.54,"end":2456.52,"sentiment":"neutral","sentiment_score":0.004107762893129673},{"text":"What we have done, is and you would have seen it throughout your portfolio is when the portfolio is down, the fee is down.","start":2456.9001,"end":2466.035,"sentiment":"neutral","sentiment_score":0.02508768780777852},{"text":"When it's up, the fee is up.","start":2466.035,"end":2467.875,"sentiment":"neutral","sentiment_score":-0.011840768291481904},{"text":"When it's a percent based fee.","start":2467.875,"end":2469.4949,"sentiment":"neutral","sentiment_score":0.028055104116598766},{"text":"What we've done is that doesn't provide a lot of transparency for clients.","start":2469.635,"end":2475.015,"sentiment":"neutral","sentiment_score":0.11153922344629581}],"sentiment":"neutral","sentiment_score":0.03800550875613433,"num_words":57,"start":2451.54,"end":2475.015},{"sentences":[{"text":"And, also, when the market's up, there's no reason why we be paid more.","start":2475.155,"end":2479.44,"sentiment":"neutral","sentiment_score":0.16028955099838121},{"text":"That's just, you know, us doing our job.","start":2479.44,"end":2482.74,"sentiment":"neutral","sentiment_score":0.28143900260329247},{"text":"So what moving forward, it won't be a percent base fee.","start":2482.88,"end":2486.4,"sentiment":"neutral","sentiment_score":0.08258185400204225},{"text":"It will be a fixed fee.","start":2486.4,"end":2488.02,"sentiment":"neutral","sentiment_score":0.06590515747666359},{"text":"So that fixed fee will be don't know.","start":2490.0,"end":2493.38,"sentiment":"neutral","sentiment_score":0.05230734031647444}],"sentiment":"neutral","sentiment_score":0.13229480417484932,"num_words":47,"start":2475.155,"end":2493.38},{"sentences":[{"text":"It's not there.","start":2494.635,"end":2496.335,"sentiment":"neutral","sentiment_score":-0.01851981443663438},{"text":"But I will definitely email you afterwards.","start":2497.195,"end":2499.215,"sentiment":"neutral","sentiment_score":0.30881501947130474},{"text":"And it will then be divided by 12, and that's the fee that will come out every single month.","start":2499.515,"end":2504.475,"sentiment":"neutral","sentiment_score":0.2651864070641367},{"text":"So there will be no variance.","start":2504.475,"end":2505.915,"sentiment":"neutral","sentiment_score":0.24966496229171753},{"text":"So each twelve months, you'll know what your fee is gonna be when you sign off on it.","start":2505.915,"end":2512.28,"sentiment":"neutral","sentiment_score":0.2532904226746824}],"sentiment":"neutral","sentiment_score":0.24909254356797011,"num_words":53,"start":2494.635,"end":2512.28},{"sentences":[{"text":"So I will make sure that that is fixed up, and I get that sent through to you.","start":2513.86,"end":2519.6401,"sentiment":"neutral","sentiment_score":0.303904910882314},{"text":"And then the last number the last document in the pack is the option to provide your tax file number.","start":2519.78,"end":2525.825,"sentiment":"neutral","sentiment_score":0.1679010085761547},{"text":"So what this form is is it shows you that we have your tax file number on file, and that's from when we set up your your superannuation.","start":2525.825,"end":2533.4448,"sentiment":"neutral","sentiment_score":0.15893106135938848},{"text":"Bless you.","start":2534.385,"end":2535.125,"sentiment":"positive","sentiment_score":0.33510665595531464},{"text":"And it you're welcome.","start":2536.545,"end":2538.305,"sentiment":"positive","sentiment_score":0.4865364655852318}],"sentiment":"neutral","sentiment_score":0.22076024249609974,"num_words":72,"start":2513.86,"end":2538.305},{"sentences":[{"text":"And it's just you noting that you understand that we do hold it on file for you.","start":2538.305,"end":2543.38,"sentiment":"neutral","sentiment_score":0.19438877789413228},{"text":"Well, we hold it on file.","start":2544.48,"end":2546.0999,"sentiment":"neutral","sentiment_score":0.10906924058993657},{"text":"So that's your authority there.","start":2546.72,"end":2548.24,"sentiment":"neutral","sentiment_score":0.1870909422636032},{"text":"But what I'm gonna ask you to do is do not sign anything on this pack because that fee information is not correct.","start":2548.24,"end":2556.125,"sentiment":"negative","sentiment_score":-0.40632162858610565},{"text":"And I'm going to get I'll get that pack reissued to you at some point today, but I will send you an email with all the other things that we've talked about first and then let you know when that next pack's coming.","start":2556.905,"end":2572.14,"sentiment":"neutral","sentiment_score":0.22092395423110142}],"sentiment":"neutral","sentiment_score":0.053710765462923554,"num_words":94,"start":2538.305,"end":2572.14},{"sentences":[{"text":"So, basically, with the the fee form and the tax file number form, I'll need your signature on.","start":2572.14,"end":2578.48,"sentiment":"neutral","sentiment_score":0.16017720765537685},{"text":"What the fees cover, again, is your review.","start":2578.62,"end":2581.52,"sentiment":"neutral","sentiment_score":0.1553303636610508},{"text":"But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out.","start":2581.66,"end":2588.715,"sentiment":"neutral","sentiment_score":0.011900891465219584},{"text":"So let's say, for example, in six months' time, you know, after the Christmas break, you and Cassandra have had a chance to sit down and have a chat about what retirement looks like, and you've got a better picture of it, shoot me an email, pick up the phone, we'll book in a time, we'll hash out it we'll hash it out and start looking at building what that looks like because it may be different to what we talked about today.","start":2592.5352,"end":2617.915,"sentiment":"neutral","sentiment_score":0.1517451962972262},{"text":"So you're not limited to your annual reviews.","start":2618.0552,"end":2620.3152,"sentiment":"neutral","sentiment_score":0.08706802036613226}],"sentiment":"neutral","sentiment_score":0.12718739363250972,"num_words":139,"start":2572.14,"end":2620.3152},{"sentences":[{"text":"Your your fee covers the ongoing advice.","start":2622.375,"end":2626.135,"sentiment":"neutral","sentiment_score":0.11893310291426522},{"text":"So things change.","start":2626.135,"end":2627.5151,"sentiment":"neutral","sentiment_score":0.09477588534355164},{"text":"We understand that, and we're here to support you along that path.","start":2627.52,"end":2632.5,"sentiment":"positive","sentiment_score":0.44685712829232216},{"text":"Okay?","start":2634.4,"end":2634.9,"sentiment":"neutral","sentiment_score":0.33271926641464233},{"text":"Any questions?","start":2636.16,"end":2637.1401,"sentiment":"neutral","sentiment_score":0.18620572984218597}],"sentiment":"neutral","sentiment_score":0.28737102568149564,"num_words":25,"start":2622.375,"end":2637.1401},{"sentences":[{"text":"Fantastic.","start":2646.115,"end":2646.615,"sentiment":"positive","sentiment_score":0.6649168729782104},{"text":"The only other one thing I wanted to ask you, Darren, is with your superannuation and the reason why I asked about your children before is you've got Cassandra and your three children noted as beneficiaries.","start":2647.875,"end":2661.55,"sentiment":"neutral","sentiment_score":0.08176453039050102},{"text":"Now with Cassandra being paid as a beneficiary of your it's tax free to her.","start":2662.57,"end":2670.105,"sentiment":"neutral","sentiment_score":0.04612374603748322},{"text":"For your two my children, it is also tax free.","start":2670.7249,"end":2674.585,"sentiment":"neutral","sentiment_score":0.02053386438637972},{"text":"For your adult child, it will not be tax free.","start":2674.885,"end":2678.345,"sentiment":"neutral","sentiment_score":-0.07682218588888645}],"sentiment":"neutral","sentiment_score":0.05190851309129761,"num_words":72,"start":2646.115,"end":2678.345},{"sentences":[{"text":"There will be 17% tax applied, and that's yeah.","start":2680.085,"end":2685.52,"sentiment":"neutral","sentiment_score":-0.045768477850490145},{"text":"Yeah.","start":2685.58,"end":2686.08,"sentiment":"neutral","sentiment_score":-0.028887663036584858},{"text":"Because they don't meet the definition of a financial dependent.","start":2686.3801,"end":2690.24,"sentiment":"neutral","sentiment_score":-0.07474868446588516},{"text":"So once a child reaches 18, they're no longer considered dependent under the superannuation and the tax laws.","start":2690.78,"end":2700.3948,"sentiment":"neutral","sentiment_score":-0.04209495604866081},{"text":"So what happens is is 15% is taxed of the amount they receive, then plus 2% for Medicare.","start":2701.8948,"end":2709.54,"sentiment":"neutral","sentiment_score":-0.007727824461956819}],"sentiment":"neutral","sentiment_score":-0.037233943884660094,"num_words":56,"start":2680.085,"end":2709.54},{"sentences":[{"text":"So what we look at doing is we always review beneficiaries based on that because children, obviously, grow older.","start":2710.1,"end":2719.08,"sentiment":"neutral","sentiment_score":0.021010398864746094},{"text":"The typically, if you had all adult children, so let's say yesterday something happened, and Cassandra is no longer with us and it was just your children and they're all above 18, typically, what we would recommend or suggest is that you have a will and your superannuation be directed to your will through your estate because your estate would only pay that 15% tax for your children, not the additional 2% for Medicare.","start":2722.1,"end":2751.23,"sentiment":"neutral","sentiment_score":0.0012819954017932352},{"text":"So there's probably that's more information for you to consider to tell me what you want me to do with that.","start":2751.855,"end":2760.595,"sentiment":"neutral","sentiment_score":-0.09437908977270126},{"text":"Yeah.","start":2767.7102,"end":2768.1902,"sentiment":"neutral","sentiment_score":-0.008864553645253181},{"text":"Yep.","start":2768.1902,"end":2768.6902,"sentiment":"neutral","sentiment_score":0.0368441604077816}],"sentiment":"neutral","sentiment_score":-0.012585483106045887,"num_words":116,"start":2710.1,"end":2768.6902},{"sentences":[{"text":"Yep.","start":2774.9902,"end":2775.31,"sentiment":"neutral","sentiment_score":0.0444151870906353},{"text":"Yep.","start":2775.31,"end":2775.81,"sentiment":"neutral","sentiment_score":0.05221167206764221},{"text":"Yeah.","start":2778.1902,"end":2778.495,"sentiment":"neutral","sentiment_score":0.05554549768567085},{"text":"Do you have someone that you can work with for that?","start":2778.975,"end":2781.875,"sentiment":"neutral","sentiment_score":0.05603606863455339},{"text":"Fantastic.","start":2787.135,"end":2787.635,"sentiment":"positive","sentiment_score":0.6748833656311035}],"sentiment":"neutral","sentiment_score":0.09623016516367594,"num_words":15,"start":2774.9902,"end":2787.635},{"sentences":[{"text":"Yep.","start":2787.8552,"end":2788.3552,"sentiment":"positive","sentiment_score":0.42190226912498474},{"text":"Will they do that for Cassandra as well?","start":2791.8552,"end":2797.27,"sentiment":"neutral","sentiment_score":0.13232866022735834},{"text":"Mhmm.","start":2815.445,"end":2815.945,"sentiment":"neutral","sentiment_score":-0.2614985704421997},{"text":"Mhmm.","start":2819.205,"end":2819.705,"sentiment":"negative","sentiment_score":-0.3571386933326721},{"text":"Yes.","start":2820.965,"end":2821.29,"sentiment":"neutral","sentiment_score":-0.028957538306713104}],"sentiment":"neutral","sentiment_score":0.06941139573852222,"num_words":12,"start":2787.8552,"end":2821.29},{"sentences":[{"text":"No.","start":2834.4102,"end":2834.49,"sentiment":"neutral","sentiment_score":-0.1212398111820221},{"text":"That's right.","start":2834.49,"end":2842.835,"sentiment":"neutral","sentiment_score":0.014891590923070908},{"text":"Do they do powers of attorney for you as well?","start":2854.1099,"end":2856.69,"sentiment":"neutral","sentiment_score":0.014874084759503603},{"text":"Yeah.","start":2860.43,"end":2860.93,"sentiment":"neutral","sentiment_score":-0.03062180057168007},{"text":"So what a power of do you know what a power of attorney does?","start":2862.43,"end":2866.025,"sentiment":"neutral","sentiment_score":-0.0519176439515182}],"sentiment":"neutral","sentiment_score":-0.025006592772634968,"num_words":28,"start":2834.4102,"end":2866.025},{"sentences":[{"text":"Yeah.","start":2872.085,"end":2872.485,"sentiment":"neutral","sentiment_score":-0.06201301887631416},{"text":"No.","start":2872.485,"end":2872.645,"sentiment":"neutral","sentiment_score":-0.14037087559700012},{"text":"That's okay.","start":2872.645,"end":2873.465,"sentiment":"neutral","sentiment_score":-0.06041445955634117},{"text":"So, basically, what a power of attorney allows is while you're still alive and if you're ever in a position where you're unable to make decisions for yourself, that document will allow someone to do that for you.","start":2874.085,"end":2888.03,"sentiment":"neutral","sentiment_score":-0.048093568190540135},{"text":"Now a lot of people assume your husband and wife are automatically that person.","start":2888.09,"end":2894.185,"sentiment":"neutral","sentiment_score":-0.13506935350596905}],"sentiment":"neutral","sentiment_score":-0.07217391703410872,"num_words":56,"start":2872.085,"end":2894.185},{"sentences":[{"text":"That's not the case.","start":2894.485,"end":2895.625,"sentiment":"neutral","sentiment_score":-0.2874463386833668},{"text":"Say, for example, if Cassandra phones us and something had happened to you and you're in hospital and unable to give us any direction, Without that document, we'd be unable to help Cassandra with anything in relation to your super insurance.","start":2897.0452,"end":2913.65,"sentiment":"neutral","sentiment_score":-0.22789067756838916},{"text":"So that document is extremely important.","start":2915.5498,"end":2919.01,"sentiment":"neutral","sentiment_score":-0.15697550773620605},{"text":"Same with if you had individual investments in your own name or an individual bank account or even if the the property was in your name and the loan, she would be limited in accessing any of that and and vice versa.","start":2920.635,"end":2934.95,"sentiment":"neutral","sentiment_score":-0.14525921217032842},{"text":"So you wouldn't be able to access anything on Cassandra's behalf should you need to if that situation arose.","start":2935.1702,"end":2941.33,"sentiment":"neutral","sentiment_score":-0.24610619639095507}],"sentiment":"neutral","sentiment_score":-0.1983219716431839,"num_words":112,"start":2894.485,"end":2941.33},{"sentences":[{"text":"So those two documents go hand in hand, are really, really important.","start":2941.33,"end":2945.095,"sentiment":"neutral","sentiment_score":0.19380484148859978},{"text":"One's basically a living will, if you think about it like that, and the other one is the will for your estate after passing.","start":2945.3948,"end":2953.095,"sentiment":"neutral","sentiment_score":0.11001280617589752},{"text":"So they both go hand in hand as equally as important.","start":2954.6748,"end":2958.2148,"sentiment":"neutral","sentiment_score":0.2531406012448398},{"text":"What I'll do when I send you the email, I'll send you the brochure of the professionals we partner with.","start":2958.97,"end":2964.99,"sentiment":"neutral","sentiment_score":0.15396241322159768},{"text":"I had a chuckle before when you said they asked ridiculous money.","start":2965.85,"end":2968.6501,"sentiment":"negative","sentiment_score":-0.3334185878435771}],"sentiment":"neutral","sentiment_score":0.08643971227958233,"num_words":79,"start":2941.33,"end":2968.6501},{"sentences":[{"text":"I've seen versions of ridiculous money in my time and quotes, and some of it is appalling.","start":2968.6501,"end":2973.71,"sentiment":"negative","sentiment_score":-0.645725642933565},{"text":"These guys these guys are very affordable compared to what I've seen in the past.","start":2975.125,"end":2979.9248,"sentiment":"neutral","sentiment_score":0.2784940411647161},{"text":"Should Cassandra not be able to access it through the union, it might be an alternative as well for Cassandra to have it set up.","start":2979.9248,"end":2987.045,"sentiment":"neutral","sentiment_score":-0.011756647750735283},{"text":"So I'll send it through to you so you've got the information anyway.","start":2987.045,"end":2991.95,"sentiment":"neutral","sentiment_score":0.09551071547544919},{"text":"Yep.","start":2992.49,"end":2992.99,"sentiment":"neutral","sentiment_score":0.1949580609798431}],"sentiment":"neutral","sentiment_score":-0.07967949498602202,"num_words":71,"start":2968.6501,"end":2992.99},{"sentences":[{"text":"Yeah.","start":3002.09,"end":3002.355,"sentiment":"neutral","sentiment_score":0.07026265561580658},{"text":"Oh, I've seen yeah.","start":3009.715,"end":3011.815,"sentiment":"neutral","sentiment_score":-0.16319433972239494},{"text":"I've seen some doozies.","start":3011.875,"end":3013.095,"sentiment":"negative","sentiment_score":-0.37952493131160736},{"text":"A 100% I've seen some doozies, so I I know exactly what you're saying.","start":3013.555,"end":3017.79,"sentiment":"neutral","sentiment_score":-0.20375785710556166},{"text":"This one, however, when I first looked at it when I first started, I was like, wow.","start":3019.29,"end":3023.45,"sentiment":"neutral","sentiment_score":0.03252940186682869}],"sentiment":"neutral","sentiment_score":-0.11000561490654945,"num_words":40,"start":3002.09,"end":3023.45},{"sentences":[{"text":"That's actually really reasonable.","start":3023.45,"end":3024.91,"sentiment":"neutral","sentiment_score":0.20465364679694176},{"text":"So, yeah, I think I'll send that through to you for you to have a look at.","start":3026.49,"end":3030.3218,"sentiment":"neutral","sentiment_score":0.1681154357159839},{"text":"Either way, hopefully, the union covers Cassandra as well.","start":3030.3218,"end":3034.035,"sentiment":"neutral","sentiment_score":0.08165031588739818},{"text":"But, yeah, there's we'll help.","start":3035.615,"end":3037.9348,"sentiment":"neutral","sentiment_score":-0.00510470662266016},{"text":"We'll cover Cassandra doing her her estate planning as well, hopefully.","start":3037.9348,"end":3041.795,"sentiment":"neutral","sentiment_score":0.08317799459804188}],"sentiment":"neutral","sentiment_score":0.1152361792350269,"num_words":46,"start":3023.45,"end":3041.795},{"sentences":[{"text":"If not, you do have an alternative there that, you know, can they they can work with you to make sure that they're both set up the way you want it to.","start":3043.135,"end":3054.69,"sentiment":"neutral","sentiment_score":0.12527919886633754},{"text":"With your beneficiaries, are you happy to leave them as they are for the time being in super being 40% to Cassandra and 20 to each child, or do you wanna look at changing that?","start":3056.19,"end":3067.405,"sentiment":"neutral","sentiment_score":0.17687145487538405},{"text":"Yeah.","start":3073.465,"end":3073.785,"sentiment":"neutral","sentiment_score":0.05150102823972702},{"text":"We can deal with that through once a will's in place.","start":3073.785,"end":3076.76,"sentiment":"neutral","sentiment_score":0.047184095633300865},{"text":"Mhmm.","start":3082.74,"end":3083.24,"sentiment":"neutral","sentiment_score":0.017019953578710556}],"sentiment":"neutral","sentiment_score":0.13483726647682487,"num_words":80,"start":3043.135,"end":3083.24},{"sentences":[{"text":"Yeah.","start":3084.4202,"end":3084.9001,"sentiment":"neutral","sentiment_score":0.04350210726261139},{"text":"Yep.","start":3084.9001,"end":3085.4001,"sentiment":"neutral","sentiment_score":0.03637191280722618},{"text":"Are you and Cassandra sorry to ask this.","start":3085.7,"end":3090.555,"sentiment":"neutral","sentiment_score":-0.06865045218728483},{"text":"There's no nice way to ask this.","start":3090.555,"end":3092.2349,"sentiment":"neutral","sentiment_score":-0.28927930763789583},{"text":"I'm just gonna be blunt.","start":3092.2349,"end":3093.4548,"sentiment":"neutral","sentiment_score":-0.08175313621759414}],"sentiment":"neutral","sentiment_score":-0.1319568378173492,"num_words":22,"start":3084.4202,"end":3093.4548},{"sentences":[{"text":"A blended family?","start":3093.675,"end":3094.7349,"sentiment":"neutral","sentiment_score":-0.039400531599919},{"text":"Or is it a blended family for all three children your own or, like, together or yep.","start":3096.555,"end":3103.435,"sentiment":"neutral","sentiment_score":-0.028264859526911202},{"text":"Okay.","start":3103.435,"end":3103.83,"sentiment":"neutral","sentiment_score":0.06132648140192032},{"text":"Fantastic.","start":3104.87,"end":3105.37,"sentiment":"positive","sentiment_score":0.4951605200767517},{"text":"That that makes sense.","start":3105.4302,"end":3106.6501,"sentiment":"neutral","sentiment_score":0.08774766139686108}],"sentiment":"neutral","sentiment_score":0.01187590155034111,"num_words":26,"start":3093.675,"end":3106.6501},{"sentences":[{"text":"No.","start":3109.75,"end":3109.9102,"sentiment":"neutral","sentiment_score":-0.08090978115797043},{"text":"The reason I say that is because it just makes the estate planning structure so much more complicated.","start":3109.9102,"end":3115.05,"sentiment":"neutral","sentiment_score":-0.0920305885374546},{"text":"So for you guys, it should be a pretty straightforward estate plan.","start":3115.51,"end":3120.685,"sentiment":"neutral","sentiment_score":0.18502478363613287},{"text":"There's no hidden when you do come into blended families, there's a lot more structural considerations to be taken into account.","start":3120.685,"end":3129.745,"sentiment":"neutral","sentiment_score":0.06298783297340076},{"text":"So once you guys have that in place, we can look at changing that beneficiary nomination to go in line with whatever's in the will.","start":3130.03,"end":3139.01,"sentiment":"neutral","sentiment_score":0.08697199180722237}],"sentiment":"neutral","sentiment_score":0.05168677034316125,"num_words":77,"start":3109.75,"end":3139.01},{"sentences":[{"text":"Beautiful.","start":3141.31,"end":3141.81,"sentiment":"positive","sentiment_score":0.4406814575195313},{"text":"Lovely.","start":3142.9102,"end":3143.4102,"sentiment":"positive","sentiment_score":0.4307194948196411},{"text":"Well, I've got some homework to do.","start":3144.75,"end":3146.3052,"sentiment":"neutral","sentiment_score":0.001989802877817835},{"text":"So once I get it's no easy way to ask that.","start":3146.3052,"end":3152.085,"sentiment":"neutral","sentiment_score":-0.13040724091909148},{"text":"I have yep.","start":3157.5051,"end":3158.385,"sentiment":"neutral","sentiment_score":-0.08934231226642926}],"sentiment":"neutral","sentiment_score":-0.035529435409799866,"num_words":23,"start":3141.31,"end":3158.385},{"sentences":[{"text":"A 100%.","start":3158.385,"end":3159.27,"sentiment":"neutral","sentiment_score":0.028264988213777542},{"text":"I can I can attest to that as well?","start":3159.27,"end":3161.69,"sentiment":"neutral","sentiment_score":0.029370655202203326},{"text":"Alright.","start":3161.75,"end":3162.15,"sentiment":"neutral","sentiment_score":0.049255795776844025},{"text":"Well, Lee, I've got some homework to do.","start":3162.15,"end":3164.07,"sentiment":"neutral","sentiment_score":0.05297011882066727},{"text":"I'm gonna send you through an email, and then I'll reissue that fee form and whatnot to you, and we can go from there.","start":3164.07,"end":3173.11,"sentiment":"neutral","sentiment_score":0.08341264631599188}],"sentiment":"neutral","sentiment_score":0.06354059389030392,"num_words":44,"start":3158.385,"end":3173.11},{"sentences":[{"text":"But I'd say in about if you've got time now, if we can look forward a couple of weeks, booking in some time to just go through those changes for those investment funds.","start":3173.11,"end":3186.685,"sentiment":"neutral","sentiment_score":0.1940970773046667},{"text":"What about the week beginning the October 12, how are you looking?","start":3189.15,"end":3195.65,"sentiment":"neutral","sentiment_score":0.09188903588801622},{"text":"Any availability?","start":3196.51,"end":3197.41,"sentiment":"neutral","sentiment_score":0.022935657761991024},{"text":"Mhmm.","start":3204.5151,"end":3205.0151,"sentiment":"neutral","sentiment_score":-0.014875993132591248},{"text":"Of course.","start":3211.7952,"end":3212.2751,"sentiment":"neutral","sentiment_score":0.05844685435295105}],"sentiment":"neutral","sentiment_score":0.15311522025614976,"num_words":50,"start":3173.11,"end":3212.2751},{"sentences":[{"text":"I can.","start":3212.2751,"end":3212.935,"sentiment":"neutral","sentiment_score":0.05877767130732536},{"text":"Yep.","start":3213.5552,"end":3214.0552,"sentiment":"neutral","sentiment_score":0.04434086009860039},{"text":"Okay.","start":3231.19,"end":3231.59,"sentiment":"neutral","sentiment_score":0.07670585811138153},{"text":"Okay.","start":3231.59,"end":3232.07,"sentiment":"neutral","sentiment_score":0.06840333342552185},{"text":"I do a late on a Thursday, so that will be the fifteenth.","start":3232.07,"end":3235.175,"sentiment":"neutral","sentiment_score":0.0675721071087397}],"sentiment":"neutral","sentiment_score":0.06585793259243171,"num_words":18,"start":3212.2751,"end":3235.175},{"sentences":[{"text":"So what I might do is put a tentative one in there so no one steals it.","start":3235.235,"end":3239.8152,"sentiment":"neutral","sentiment_score":0.03114922870607937},{"text":"And I'll confirm in the email to you that I send later today.","start":3241.395,"end":3247.647,"sentiment":"neutral","sentiment_score":0.14900021598889276},{"text":"Alright.","start":3248.5269,"end":3248.847,"sentiment":"positive","sentiment_score":0.5462890863418579},{"text":"Beautiful.","start":3248.847,"end":3249.247,"sentiment":"positive","sentiment_score":0.7970003485679626},{"text":"Thanks for your time, Darren.","start":3249.247,"end":3250.207,"sentiment":"positive","sentiment_score":0.8372813940048218}],"sentiment":"neutral","sentiment_score":0.21611448921061852,"num_words":37,"start":3235.235,"end":3250.207},{"sentences":[{"text":"I really do appreciate it, and I will speak to you soon.","start":3250.207,"end":3253.987,"sentiment":"positive","sentiment_score":0.6230670586228371},{"text":"Okay.","start":3254.2869,"end":3254.7869,"sentiment":"positive","sentiment_score":0.44354069232940674},{"text":"Okay.","start":3255.647,"end":3256.127,"sentiment":"positive","sentiment_score":0.3875763416290283},{"text":"Bye.","start":3256.127,"end":3256.627,"sentiment":"neutral","sentiment_score":0.18647947907447815},{"text":"Bye.","start":3256.687,"end":3257.187,"sentiment":"neutral","sentiment_score":-0.11656782776117323}],"sentiment":"positive","sentiment_score":0.5236145867966115,"num_words":16,"start":3250.207,"end":3257.187}]}}]},{"alternatives":[{"transcript":"Hello. Darren speaking. Good. Thanks. Yep. Darren Turner. 2671612 Sunwell Street, Bunnell. Good. Good. Yep. Not really. Yep. Yep. Yep. Yep. One's 18. Two of them are 18. Yep. Yep. Yep. Yep. Can we do we have to go through all this? We do have to go through it every time, and nothing's changed. So yeah. Yep. Yes. Yep. Yes. Yep. That'd be roughly alright. Yep. A bit less than that, but yeah. The limit was $10, but, well, I have pretty much nothing on that. So I think it's $1,200 or something. Yep. Yep. Yeah. Possibly it. Yep. Go to caravan. Oh, no. No. Yeah. Yep. Yep. Although right. After speaking last time, I did ask to get a financial adviser to contact me to discuss that, and he did discuss we did have one phone call, a couple of phone calls, and then he was gonna follow-up with more advice and never did it, which bit disappointed. Mhmm. Yeah. Yeah. Yeah. That'd be fine. Because because the guy who I don't forget the name of the guy and sat down at a discussion, and I said to him basically along the lines of what, you know, what they suggest, and they said it and I was basically said suggested I was thinking about doing for a property, but they suggested doing shares or super, pay into super, extra super. But then I and I send all the details of everything I've got back to him, and I never they never got back to me, which that was back in the start of the year, and I forgot all about it, and you reminded me. Yep. Well, being because of the it was it was suggested that I didn't go down that path. But, anyway, that was Yes. Yep. If I can. Yep. Mhmm. Yep. Yep. Yes. It just come through just now. It's opening up at the moment. Sorry. Alright. So that's come up. Yep. Yep. No. Yep. Yep. Yep. And which one was that one? Sorry. Yep. Yep. Yep. Yep. Yep. Yep. That's fine. I'm actually I'm happy for you to be reviewing these because as you would well know, the superannuation hasn't been really high growth in the last twelve months. Yep. Yes. Yep. Yep. Yep. No worries. So if I was do I what what am I looking at ending up with at the moment as a as a yearly wage, yearly income? Yep. Yep. She's 51. Really haven't spoke about it, to be honest. I did the other day, and I said, she I don't know if she wants to work on. I'm not sure. Mhmm. Yeah. To be honest, I I can't tell you at the moment. Yep. Yep. Now while I've got you, you've got me looking a little bit further into mine. Now I'm just looking I've got sorry. I got back to this one. In in July and in and in September, I've been given $840. Is that part of that two and a half that what is it? 1.25% or whatever it is? Oh, yeah. For fees. Obviously, just because because my it's the the thing's not performing. I'm just looking at a lot of the expenses. I'm just looking at a few of the fees. So Yep. Yeah. So there was one there on the sixth of the ninth, and and there's also one on the '68, which both are 840 $840.82. Because to my understanding yeah. So that's part of that. So is it 1.65% charge? Yep. Yep. So yep. No worries. And then you got expense recovery fee. And then you've got and then at the start of the month, you've also got portfolio service fees as well. That's monthly as well. Just this this is actually purchasing the the the shares and stuff, is it? Yep. No worries. Mhmm. Yep. Alright. No. No. That's just while while you're going through it, I am reading up a bit of bit of a little bit about it as well because yeah. Because because what is it? What about what about you got it down as high growth? Yeah. Okay. Yeah. Which is yeah. Which is yeah. That 8%. Yeah. General. Yeah. No worries. Yeah. Go on. Sorry. No. No. No. That's that's it. I I just, as I said, I'm just to be concerned, and, obviously, you're putting it down to. The performance I've been watching that super in it. Yeah. It's probably half of what I've at at this moment, I'm expecting about a 100 roughly about 10 a $100 towards just a 100 at the moment for my super. And that's what I'd like to see. Because that in previous years, that's what roughly what I was getting. So About what? Sorry. Yep. Mhmm. Yes. And I understand that. Yep. Mhmm. Alright. Let's let let let's let's axe those bastards. They're dragging us all down. Mhmm. Yep. No. To be honest, I'd like to keep the growth. Yep. Yep. Yep. Basically, it's to well, to be honest, I'm just about to buy a new probably buy a new car. So that'll have some I'm probably looking at probably about $30. So that'll give me some and then on top of that, it's also it's also just to maybe pay help pay some of the things off. Well, I actually found out the other day that you can only receive one life insurance. I was not aware of that until recently, but because through well, it works there at the moment. We have what they call a plum. Got a life insurance for them. I don't know what the amount is for that. And then on top of that, I think with I'm with the ATU as well. So I'm not sure if I through that, I get life insurance as well. The plumbing. Yes. The literal trade union. It wouldn't. They they do do super fun, yes. Well, it's just part of employment. So they they they actually do pay it. So I think so. Yeah. Yep. Mhmm. Yep. So I'm going I'm sliding down to see which see your photo view. You're right. Okay. Who are you an adviser for? Sorry. Yep. Reshore. Yep. Yep. Yep. Yep. Excuse me. Yep. Thank you. Yep. Yep. No worries at all. Great. Yep. Oh, of that of given all the questions as we're going along. So yeah. Yep. Mhmm. How's that? Yep. Because you also raised another another question too. I don't have a will. So we have been I've been thinking about that, and it'll be be sorting that out shortly as well. So yeah. So, again, the union do the unions do wills for free. So I did just do one second. I know because I did actually look at doing it there a while back, but, unfortunately, people are stupid money for at times. So that's why we didn't do in the past, but I started looking at it, and then I actually come across it in the standard in the the union do it now. So but what's that? I'm just looking I'm on the VTU site now, so I just perfect. I'm not sure. Off the top of my head, not really. Oh, yeah. Yep. Right. No worries. Because it's funny because we we even went to get the solicitor to do it for us when we were selling mother in law's house, thinking I might look after us. And, yeah, it was he did not. Kevin what? Sorry. Yep. Yep. Yep. Yeah. Leave it at that for the moment, and then, obviously, yeah, obviously, you have to look at changing that. Well, the yes. I want my oldest daughter is 18 in January anyway, so she's gonna be in the same boat. A what? No. No. They're all mine. And her yeah. You're not one of the new ages not one of the new age families. Yep. No worries at all. You got there you got there in the end with that late last question. So I know. Oh, there's some twisted people out there. Yep. Am I able am I because I'm on I'm going on a cal I'm on a week's holiday, and then I'm coming back. So what I can do is when I get back, revisit things. So if you wanna give us a bell or something like that even and because preferably after 03:00 here. The reason I say that is because I'm back on day shift for about three weeks, and anything after 03:00 that then should be fine. Yep. Yep. Good on you. No worries. Thank you very much. Good on you. See you. 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Darren speaking. Good. Thanks. Yep.\n\nDarren Turner. 2671612 Sunwell Street, Bunnell. Good. Good. Yep.\n\nNot really. Yep. Yep. Yep. Yep.\n\nOne's 18. Two of them are 18. Yep. Yep. Yep.\n\nYep. Can we do we have to go through all this? We do have to go through it every time, and nothing's changed. So yeah. Yep.\n\nYes. Yep. Yes. Yep. That'd be roughly alright.\n\nYep. A bit less than that, but yeah. The limit was $10, but, well, I have pretty much nothing on that. So I think it's $1,200 or something. Yep.\n\nYep. Yeah. Possibly it. Yep. Go to caravan.\n\nOh, no. No. Yeah. Yep. Yep.\n\nAlthough right. After speaking last time, I did ask to get a financial adviser to contact me to discuss that, and he did discuss we did have one phone call, a couple of phone calls, and then he was gonna follow-up with more advice and never did it, which bit disappointed. Mhmm. Yeah. Yeah.\n\nYeah. That'd be fine. Because because the guy who I don't forget the name of the guy and sat down at a discussion, and I said to him basically along the lines of what, you know, what they suggest, and they said it and I was basically said suggested I was thinking about doing for a property, but they suggested doing shares or super, pay into super, extra super. But then I and I send all the details of everything I've got back to him, and I never they never got back to me, which that was back in the start of the year, and I forgot all about it, and you reminded me. Yep.\n\nWell, being because of the it was it was suggested that I didn't go down that path. But, anyway, that was Yes. Yep. If I can. Yep.\n\nMhmm. Yep. Yep. Yes. It just come through just now.\n\nIt's opening up at the moment. Sorry. Alright. So that's come up. Yep.\n\nYep. No. Yep. Yep. Yep.\n\nAnd which one was that one? Sorry. Yep. Yep. Yep.\n\nYep. Yep. Yep. That's fine. I'm actually I'm happy for you to be reviewing these because as you would well know, the superannuation hasn't been really high growth in the last twelve months.\n\nYep. Yes. Yep. Yep. Yep.\n\nNo worries. So if I was do I what what am I looking at ending up with at the moment as a as a yearly wage, yearly income? Yep. Yep. She's 51.\n\nReally haven't spoke about it, to be honest. I did the other day, and I said, she I don't know if she wants to work on. I'm not sure. Mhmm. Yeah.\n\nTo be honest, I I can't tell you at the moment. Yep. Yep. Now while I've got you, you've got me looking a little bit further into mine. Now I'm just looking I've got sorry.\n\nI got back to this one. In in July and in and in September, I've been given $840. Is that part of that two and a half that what is it? 1.25% or whatever it is? Oh, yeah.\n\nFor fees. Obviously, just because because my it's the the thing's not performing. I'm just looking at a lot of the expenses. I'm just looking at a few of the fees. So Yep.\n\nYeah. So there was one there on the sixth of the ninth, and and there's also one on the '68, which both are 840 $840.82. Because to my understanding yeah. So that's part of that. So is it 1.65% charge?\n\nYep. Yep. So yep. No worries. And then you got expense recovery fee.\n\nAnd then you've got and then at the start of the month, you've also got portfolio service fees as well. That's monthly as well. Just this this is actually purchasing the the the shares and stuff, is it? Yep. No worries.\n\nMhmm. Yep. Alright. No. No.\n\nThat's just while while you're going through it, I am reading up a bit of bit of a little bit about it as well because yeah. Because because what is it? What about what about you got it down as high growth? Yeah. Okay.\n\nYeah. Which is yeah. Which is yeah. That 8%. Yeah.\n\nGeneral. Yeah. No worries. Yeah. Go on.\n\nSorry. No. No. No. That's that's it.\n\nI I just, as I said, I'm just to be concerned, and, obviously, you're putting it down to. The performance I've been watching that super in it. Yeah. It's probably half of what I've at at this moment, I'm expecting about a 100 roughly about 10 a $100 towards just a 100 at the moment for my super. And that's what I'd like to see.\n\nBecause that in previous years, that's what roughly what I was getting. So About what? Sorry. Yep. Mhmm.\n\nYes. And I understand that. Yep. Mhmm. Alright.\n\nLet's let let let's let's axe those bastards. They're dragging us all down. Mhmm. Yep. No.\n\nTo be honest, I'd like to keep the growth. Yep. Yep. Yep. Basically, it's to well, to be honest, I'm just about to buy a new probably buy a new car.\n\nSo that'll have some I'm probably looking at probably about $30. So that'll give me some and then on top of that, it's also it's also just to maybe pay help pay some of the things off. Well, I actually found out the other day that you can only receive one life insurance. I was not aware of that until recently, but because through well, it works there at the moment. We have what they call a plum.\n\nGot a life insurance for them. I don't know what the amount is for that. And then on top of that, I think with I'm with the ATU as well. So I'm not sure if I through that, I get life insurance as well. The plumbing.\n\nYes. The literal trade union. It wouldn't. They they do do super fun, yes. Well, it's just part of employment.\n\nSo they they they actually do pay it. So I think so. Yeah. Yep. Mhmm.\n\nYep. So I'm going I'm sliding down to see which see your photo view. You're right. Okay. Who are you an adviser for?\n\nSorry. Yep. Reshore. Yep. Yep.\n\nYep. Yep. Excuse me. Yep. Thank you.\n\nYep. Yep. No worries at all. Great. Yep.\n\nOh, of that of given all the questions as we're going along. So yeah. Yep. Mhmm. How's that?\n\nYep. Because you also raised another another question too. I don't have a will. So we have been I've been thinking about that, and it'll be be sorting that out shortly as well. So yeah.\n\nSo, again, the union do the unions do wills for free. So I did just do one second. I know because I did actually look at doing it there a while back, but, unfortunately, people are stupid money for at times. So that's why we didn't do in the past, but I started looking at it, and then I actually come across it in the standard in the the union do it now. So but what's that?\n\nI'm just looking I'm on the VTU site now, so I just perfect. I'm not sure. Off the top of my head, not really. Oh, yeah. Yep.\n\nRight. No worries. Because it's funny because we we even went to get the solicitor to do it for us when we were selling mother in law's house, thinking I might look after us. And, yeah, it was he did not. Kevin what?\n\nSorry. Yep. Yep. Yep. Yeah.\n\nLeave it at that for the moment, and then, obviously, yeah, obviously, you have to look at changing that. Well, the yes. I want my oldest daughter is 18 in January anyway, so she's gonna be in the same boat. A what? No.\n\nNo. They're all mine. And her yeah. You're not one of the new ages not one of the new age families. Yep.\n\nNo worries at all. You got there you got there in the end with that late last question. So I know. Oh, there's some twisted people out there. Yep.\n\nAm I able am I because I'm on I'm going on a cal I'm on a week's holiday, and then I'm coming back. So what I can do is when I get back, revisit things. So if you wanna give us a bell or something like that even and because preferably after 03:00 here. The reason I say that is because I'm back on day shift for about three weeks, and anything after 03:00 that then should be fine. Yep.\n\nYep. Good on you. No worries. Thank you very much. Good on you.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.76,"sentiment":"neutral","sentiment_score":0.025193514302372932},{"text":"Darren speaking.","start":1.76,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.020474523305892944},{"text":"Good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.5766541957855225},{"text":"Thanks.","start":8.32,"end":8.82,"sentiment":"positive","sentiment_score":0.6703845262527466},{"text":"Yep.","start":23.375,"end":23.875,"sentiment":"neutral","sentiment_score":0.021366365253925323}],"sentiment":"neutral","sentiment_score":0.2224246080343922,"num_words":6,"start":1.28,"end":23.875},{"sentences":[{"text":"Darren Turner.","start":24.975,"end":25.935001,"sentiment":"neutral","sentiment_score":0.007264666724950075},{"text":"2671612 Sunwell Street, Bunnell.","start":25.935001,"end":30.17,"sentiment":"neutral","sentiment_score":0.021966625470668077},{"text":"Good.","start":35.99,"end":36.31,"sentiment":"neutral","sentiment_score":0.3303574025630951},{"text":"Good.","start":36.31,"end":36.81,"sentiment":"positive","sentiment_score":0.34286993741989136},{"text":"Yep.","start":44.895,"end":45.395,"sentiment":"neutral","sentiment_score":0.04937342554330826}],"sentiment":"neutral","sentiment_score":0.09166628898431857,"num_words":9,"start":24.975,"end":45.395},{"sentences":[{"text":"Not 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18.","start":101.345,"end":102.805,"sentiment":"neutral","sentiment_score":0.03677042499184609},{"text":"Yep.","start":113.97,"end":114.47,"sentiment":"neutral","sentiment_score":0.026144366711378098},{"text":"Yep.","start":116.37,"end":116.87,"sentiment":"neutral","sentiment_score":0.03991313278675079},{"text":"Yep.","start":124.29,"end":124.79,"sentiment":"neutral","sentiment_score":0.015666551887989044}],"sentiment":"neutral","sentiment_score":0.030909812077879906,"num_words":10,"start":99.265,"end":124.79},{"sentences":[{"text":"Yep.","start":124.93,"end":125.295,"sentiment":"neutral","sentiment_score":0.0188777893781662},{"text":"Can we do we have to go through all this?","start":127.055,"end":129.455,"sentiment":"neutral","sentiment_score":-0.012687926180660725},{"text":"We do have to go through it every time, and nothing's changed.","start":129.455,"end":132.275,"sentiment":"neutral","sentiment_score":-0.05772916196535031},{"text":"So yeah.","start":133.855,"end":134.83499,"sentiment":"neutral","sentiment_score":-0.030562376603484154},{"text":"Yep.","start":145.23,"end":145.73,"sentiment":"neutral","sentiment_score":0.01138169690966606}],"sentiment":"neutral","sentiment_score":-0.03271132585807489,"num_words":26,"start":124.93,"end":145.73},{"sentences":[{"text":"Yes.","start":150.865,"end":151.365,"sentiment":"neutral","sentiment_score":0.02481355145573616},{"text":"Yep.","start":151.825,"end":152.325,"sentiment":"neutral","sentiment_score":0.023920176550745964},{"text":"Yes.","start":157.665,"end":158.165,"sentiment":"neutral","sentiment_score":0.053715698421001434},{"text":"Yep.","start":164.465,"end":164.85,"sentiment":"neutral","sentiment_score":0.048445217311382294},{"text":"That'd be roughly alright.","start":165.01001,"end":166.13,"sentiment":"neutral","sentiment_score":0.057514095678925514}],"sentiment":"neutral","sentiment_score":0.04761887830682099,"num_words":8,"start":150.865,"end":166.13},{"sentences":[{"text":"Yep.","start":166.13,"end":166.63,"sentiment":"neutral","sentiment_score":0.040224459022283554},{"text":"A bit less than that, but yeah.","start":168.45001,"end":172.64,"sentiment":"neutral","sentiment_score":0.015206946858337947},{"text":"The limit was $10, but, well, I have pretty much nothing on that.","start":180.475,"end":185.27501,"sentiment":"neutral","sentiment_score":-0.03049977754171078},{"text":"So I think it's $1,200 or something.","start":185.27501,"end":187.615,"sentiment":"neutral","sentiment_score":0.022092650245342935},{"text":"Yep.","start":201.29001,"end":201.79001,"sentiment":"neutral","sentiment_score":0.0455055832862854}],"sentiment":"neutral","sentiment_score":-0.001712754689927759,"num_words":29,"start":166.13,"end":201.79001},{"sentences":[{"text":"Yep.","start":205.05,"end":205.55,"sentiment":"neutral","sentiment_score":0.03738514706492424},{"text":"Yeah.","start":207.525,"end":208.025,"sentiment":"neutral","sentiment_score":0.05551516264677048},{"text":"Possibly it.","start":231.06,"end":231.78,"sentiment":"neutral","sentiment_score":0.02297872770577669},{"text":"Yep.","start":231.78,"end":232.28,"sentiment":"neutral","sentiment_score":0.05846427008509636},{"text":"Go to caravan.","start":238.035,"end":238.85501,"sentiment":"neutral","sentiment_score":0.08907952656348546}],"sentiment":"neutral","sentiment_score":0.058070076862350106,"num_words":8,"start":205.05,"end":238.85501},{"sentences":[{"text":"Oh, no.","start":243.63501,"end":244.035,"sentiment":"neutral","sentiment_score":-0.0309312641620636},{"text":"No.","start":244.035,"end":244.195,"sentiment":"neutral","sentiment_score":-0.034982435405254364},{"text":"Yeah.","start":244.195,"end":244.695,"sentiment":"neutral","sentiment_score":-0.0021590255200862885},{"text":"Yep.","start":244.91501,"end":245.41501,"sentiment":"neutral","sentiment_score":0.0387757271528244},{"text":"Yep.","start":252.51,"end":253.01,"sentiment":"neutral","sentiment_score":0.02092565968632698}],"sentiment":"neutral","sentiment_score":-0.006550433735052745,"num_words":6,"start":243.63501,"end":253.01},{"sentences":[{"text":"Although 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disappointed.","start":259.31,"end":281.89,"sentiment":"neutral","sentiment_score":-0.07325790210493974},{"text":"Mhmm.","start":296.51498,"end":297.01498,"sentiment":"neutral","sentiment_score":-0.017147259786725044},{"text":"Yeah.","start":308.41,"end":308.65,"sentiment":"neutral","sentiment_score":0.1321055293083191},{"text":"Yeah.","start":308.65,"end":308.89,"sentiment":"neutral","sentiment_score":0.14305797219276428}],"sentiment":"neutral","sentiment_score":-0.06211515519492052,"num_words":54,"start":254.11,"end":308.89},{"sentences":[{"text":"Yeah.","start":308.89,"end":309.13,"sentiment":"neutral","sentiment_score":0.1839836835861206},{"text":"That'd be fine.","start":309.13,"end":310.03,"sentiment":"neutral","sentiment_score":0.2576112002134323},{"text":"Because because the guy who I don't forget the name of the guy and sat down at a discussion, and I said to him basically along the lines of what, you know, what they suggest, and they said it and I was basically said suggested I was thinking about doing for a property, but they suggested doing shares or super, pay into super, extra super.","start":315.77,"end":348.57,"sentiment":"neutral","sentiment_score":-0.058468129915686756},{"text":"But then I and I send all the details of everything I've got back to him, and I never they never got back to me, which that was back in the start of the year, and I forgot all about it, and you reminded me.","start":349.85498,"end":363.155,"sentiment":"neutral","sentiment_score":-0.12312580636805959},{"text":"Yep.","start":367.84,"end":368.34,"sentiment":"neutral","sentiment_score":0.11880438029766084}],"sentiment":"neutral","sentiment_score":-0.07187363536137602,"num_words":115,"start":308.89,"end":368.34},{"sentences":[{"text":"Well, being because of the it was it was suggested that I didn't go down that path.","start":386.655,"end":392.41498,"sentiment":"neutral","sentiment_score":-0.13330168671467724},{"text":"But, anyway, that was Yes.","start":392.41498,"end":410.855,"sentiment":"neutral","sentiment_score":0.018363151699304574},{"text":"Yep.","start":420.27502,"end":420.77502,"sentiment":"neutral","sentiment_score":0.1034766286611557},{"text":"If I can.","start":420.99503,"end":421.795,"sentiment":"neutral","sentiment_score":0.13024495045344034},{"text":"Yep.","start":421.795,"end":422.295,"sentiment":"neutral","sentiment_score":0.1273052543401718}],"sentiment":"neutral","sentiment_score":-0.057510969677457106,"num_words":27,"start":386.655,"end":422.295},{"sentences":[{"text":"Mhmm.","start":450.415,"end":450.72,"sentiment":"neutral","sentiment_score":0.020489897578954697},{"text":"Yep.","start":461.52,"end":462.02,"sentiment":"neutral","sentiment_score":0.22763042151927948},{"text":"Yep.","start":471.095,"end":471.595,"sentiment":"neutral","sentiment_score":0.10452627390623093},{"text":"Yes.","start":485.88,"end":486.38,"sentiment":"neutral","sentiment_score":0.04171124845743179},{"text":"It just come through just now.","start":507.88498,"end":509.46,"sentiment":"neutral","sentiment_score":0.03489876507471005}],"sentiment":"neutral","sentiment_score":0.06037504319101572,"num_words":10,"start":450.415,"end":509.46},{"sentences":[{"text":"It's opening up at the moment.","start":563.57495,"end":565.435,"sentiment":"neutral","sentiment_score":-0.0034553431323729455},{"text":"Sorry.","start":567.0,"end":567.5,"sentiment":"neutral","sentiment_score":-0.10563352704048155},{"text":"Alright.","start":593.54,"end":593.93994,"sentiment":"neutral","sentiment_score":0.14866797626018524},{"text":"So that's come up.","start":593.93994,"end":595.07996,"sentiment":"neutral","sentiment_score":0.22165227681398392},{"text":"Yep.","start":601.45996,"end":601.95996,"sentiment":"neutral","sentiment_score":0.10123493522405624}],"sentiment":"neutral","sentiment_score":0.0777035717619583,"num_words":13,"start":563.57495,"end":601.95996},{"sentences":[{"text":"Yep.","start":602.57996,"end":603.07996,"sentiment":"neutral","sentiment_score":0.09549858421087264},{"text":"No.","start":629.51,"end":630.01,"sentiment":"neutral","sentiment_score":-0.0602283701300621},{"text":"Yep.","start":695.645,"end":696.145,"sentiment":"neutral","sentiment_score":-0.03324546292424202},{"text":"Yep.","start":736.17,"end":736.665,"sentiment":"neutral","sentiment_score":-0.008846292272210121},{"text":"Yep.","start":748.02496,"end":748.52496,"sentiment":"neutral","sentiment_score":0.08802489936351776}],"sentiment":"neutral","sentiment_score":0.016240671649575232,"num_words":5,"start":602.57996,"end":748.52496},{"sentences":[{"text":"And which one was that one?","start":805.25,"end":806.45,"sentiment":"neutral","sentiment_score":0.01550536851088206},{"text":"Sorry.","start":806.45,"end":806.95,"sentiment":"neutral","sentiment_score":-0.031209003180265427},{"text":"Yep.","start":813.345,"end":813.58496,"sentiment":"neutral","sentiment_score":0.0023556172382086515},{"text":"Yep.","start":813.58496,"end":814.08496,"sentiment":"neutral","sentiment_score":0.0035527318250387907},{"text":"Yep.","start":814.785,"end":815.285,"sentiment":"neutral","sentiment_score":0.0077567449770867825}],"sentiment":"neutral","sentiment_score":0.007548830192536116,"num_words":10,"start":805.25,"end":815.285},{"sentences":[{"text":"Yep.","start":846.175,"end":846.655,"sentiment":"neutral","sentiment_score":0.06836594641208649},{"text":"Yep.","start":846.655,"end":847.135,"sentiment":"neutral","sentiment_score":0.06362849473953247},{"text":"Yep.","start":847.135,"end":847.455,"sentiment":"neutral","sentiment_score":0.08648821711540222},{"text":"That's fine.","start":847.455,"end":848.25,"sentiment":"neutral","sentiment_score":0.2911652848124504},{"text":"I'm actually I'm happy for you to be reviewing these because as you would well know, the superannuation hasn't been really high growth in the last twelve months.","start":850.73,"end":860.835,"sentiment":"neutral","sentiment_score":0.20202516272131885}],"sentiment":"neutral","sentiment_score":0.19568235709360152,"num_words":33,"start":846.175,"end":860.835},{"sentences":[{"text":"Yep.","start":904.22003,"end":904.72003,"sentiment":"neutral","sentiment_score":0.07808884233236313},{"text":"Yes.","start":958.44,"end":958.94,"sentiment":"neutral","sentiment_score":0.06701616942882538},{"text":"Yep.","start":1014.60004,"end":1015.10004,"sentiment":"neutral","sentiment_score":0.05141113325953483},{"text":"Yep.","start":1015.32,"end":1015.82,"sentiment":"neutral","sentiment_score":0.09186115860939026},{"text":"Yep.","start":1066.875,"end":1067.115,"sentiment":"neutral","sentiment_score":0.0760430097579956}],"sentiment":"neutral","sentiment_score":0.07288406267762185,"num_words":5,"start":904.22003,"end":1067.115},{"sentences":[{"text":"No worries.","start":1067.115,"end":1067.935,"sentiment":"neutral","sentiment_score":0.05714678578078747},{"text":"So if I was do I what what am I looking at ending up with at the moment as a as a yearly wage, yearly income?","start":1067.995,"end":1085.1901,"sentiment":"neutral","sentiment_score":-0.009524803447465483},{"text":"Yep.","start":1085.97,"end":1086.47,"sentiment":"neutral","sentiment_score":0.014172839932143688},{"text":"Yep.","start":1091.73,"end":1092.23,"sentiment":"neutral","sentiment_score":0.01518634520471096},{"text":"She's 51.","start":1102.035,"end":1103.975,"sentiment":"neutral","sentiment_score":-0.0030204891227185726}],"sentiment":"neutral","sentiment_score":-0.003438534724409692,"num_words":32,"start":1067.115,"end":1103.975},{"sentences":[{"text":"Really haven't spoke about it, to be honest.","start":1118.62,"end":1120.5599,"sentiment":"neutral","sentiment_score":-0.1875485023483634},{"text":"I did the other day, and I said, she I don't know if she wants to work on.","start":1121.5349,"end":1128.495,"sentiment":"neutral","sentiment_score":-0.13682267483737734},{"text":"I'm not sure.","start":1128.495,"end":1129.3949,"sentiment":"neutral","sentiment_score":-0.1578898827234904},{"text":"Mhmm.","start":1200.88,"end":1201.38,"sentiment":"neutral","sentiment_score":0.1067306399345398},{"text":"Yeah.","start":1203.5549,"end":1203.955,"sentiment":"neutral","sentiment_score":0.158993661403656}],"sentiment":"neutral","sentiment_score":-0.13455295202232176,"num_words":31,"start":1118.62,"end":1203.955},{"sentences":[{"text":"To be honest, I I can't tell you at the moment.","start":1203.955,"end":1206.775,"sentiment":"neutral","sentiment_score":-0.01510210944847627},{"text":"Yep.","start":1217.11,"end":1217.61,"sentiment":"neutral","sentiment_score":0.315927118062973},{"text":"Yep.","start":1232.645,"end":1233.145,"sentiment":"neutral","sentiment_score":0.09369700402021408},{"text":"Now while I've got you, you've got me looking a little bit further into mine.","start":1234.085,"end":1239.065,"sentiment":"neutral","sentiment_score":-0.008424605460216601},{"text":"Now I'm just looking I've got sorry.","start":1239.6849,"end":1247.06,"sentiment":"neutral","sentiment_score":-0.035959718748927116}],"sentiment":"neutral","sentiment_score":-0.003845319857022592,"num_words":35,"start":1203.955,"end":1247.06},{"sentences":[{"text":"I got back to this one.","start":1247.06,"end":1248.6,"sentiment":"neutral","sentiment_score":-0.05304356385022402},{"text":"In in July and in and in September, I've been given $840.","start":1249.94,"end":1266.755,"sentiment":"neutral","sentiment_score":0.004281133723755677},{"text":"Is that part of that two and a half that what is it?","start":1267.375,"end":1270.1749,"sentiment":"neutral","sentiment_score":0.009872784981360802},{"text":"1.25% or whatever it is?","start":1270.1749,"end":1274.72,"sentiment":"neutral","sentiment_score":0.01709921769797802},{"text":"Oh, yeah.","start":1275.46,"end":1276.86,"sentiment":"neutral","sentiment_score":0.01475995872169733}],"sentiment":"neutral","sentiment_score":-0.0006190938875079155,"num_words":38,"start":1247.06,"end":1276.86},{"sentences":[{"text":"For fees.","start":1276.86,"end":1277.6,"sentiment":"neutral","sentiment_score":0.0024567032232880592},{"text":"Obviously, just because because my it's the the thing's not performing.","start":1283.6599,"end":1287.965,"sentiment":"negative","sentiment_score":-0.37901572612198914},{"text":"I'm just looking at a lot of the expenses.","start":1288.105,"end":1291.005,"sentiment":"neutral","sentiment_score":-0.2878170741928948},{"text":"I'm just looking at a few of the fees.","start":1291.305,"end":1293.805,"sentiment":"neutral","sentiment_score":-0.08236063768466313},{"text":"So Yep.","start":1293.865,"end":1304.0399,"sentiment":"neutral","sentiment_score":0.03748861886560917}],"sentiment":"neutral","sentiment_score":-0.22487520454733662,"num_words":33,"start":1276.86,"end":1304.0399},{"sentences":[{"text":"Yeah.","start":1333.4701,"end":1333.79,"sentiment":"neutral","sentiment_score":0.04911307245492935},{"text":"So there was one there on the sixth of the ninth, and and there's also one on the '68, which both are 840 $840.82.","start":1333.79,"end":1352.955,"sentiment":"neutral","sentiment_score":0.019550967301862936},{"text":"Because to my understanding yeah.","start":1362.02,"end":1365.48,"sentiment":"neutral","sentiment_score":0.008332304656505585},{"text":"So that's part of that.","start":1367.975,"end":1369.275,"sentiment":"neutral","sentiment_score":0.13123906403779984},{"text":"So is it 1.65% charge?","start":1369.495,"end":1374.1549,"sentiment":"neutral","sentiment_score":0.0537366658449173}],"sentiment":"neutral","sentiment_score":0.037121911509893836,"num_words":40,"start":1333.4701,"end":1374.1549},{"sentences":[{"text":"Yep.","start":1374.775,"end":1375.275,"sentiment":"neutral","sentiment_score":0.01958293095231056},{"text":"Yep.","start":1375.735,"end":1376.235,"sentiment":"neutral","sentiment_score":0.05401654168963432},{"text":"So yep.","start":1377.015,"end":1383.86,"sentiment":"neutral","sentiment_score":0.04938982054591179},{"text":"No worries.","start":1383.92,"end":1384.64,"sentiment":"neutral","sentiment_score":0.09218225255608559},{"text":"And then you got expense recovery fee.","start":1384.64,"end":1387.62,"sentiment":"neutral","sentiment_score":0.040139504841395786}],"sentiment":"neutral","sentiment_score":0.049055396364285395,"num_words":13,"start":1374.775,"end":1387.62},{"sentences":[{"text":"And then you've got and then at the start of the month, you've also got portfolio service fees as well.","start":1433.68,"end":1444.72,"sentiment":"neutral","sentiment_score":0.008439525740686803},{"text":"That's monthly as well.","start":1444.72,"end":1446.225,"sentiment":"neutral","sentiment_score":0.06739323865622282},{"text":"Just this this is actually purchasing the the the shares and stuff, is it?","start":1465.12,"end":1470.375,"sentiment":"neutral","sentiment_score":-0.025681210149611746},{"text":"Yep.","start":1521.225,"end":1521.725,"sentiment":"neutral","sentiment_score":0.06902697682380676},{"text":"No worries.","start":1531.865,"end":1532.605,"sentiment":"neutral","sentiment_score":0.03028399869799614}],"sentiment":"neutral","sentiment_score":0.00508345125765517,"num_words":41,"start":1433.68,"end":1532.605},{"sentences":[{"text":"Mhmm.","start":1567.44,"end":1567.94,"sentiment":"negative","sentiment_score":-0.34413284063339233},{"text":"Yep.","start":1605.71,"end":1606.21,"sentiment":"negative","sentiment_score":-0.3607528805732727},{"text":"Alright.","start":1611.0751,"end":1611.5751,"sentiment":"neutral","sentiment_score":0.017053091898560524},{"text":"No.","start":1621.155,"end":1621.395,"sentiment":"neutral","sentiment_score":-0.1041909232735634},{"text":"No.","start":1621.395,"end":1621.555,"sentiment":"neutral","sentiment_score":-0.08994434773921967}],"sentiment":"neutral","sentiment_score":-0.17639358006417752,"num_words":5,"start":1567.44,"end":1621.555},{"sentences":[{"text":"That's just while while you're going through it, I am reading up a bit of bit of a little bit about it as well because yeah.","start":1621.555,"end":1632.81,"sentiment":"neutral","sentiment_score":-0.08295371139851901},{"text":"Because because what is it?","start":1632.81,"end":1634.73,"sentiment":"neutral","sentiment_score":-0.05229605361819267},{"text":"What about what about you got it down as high growth?","start":1634.73,"end":1637.295,"sentiment":"neutral","sentiment_score":-0.12074031884020026},{"text":"Yeah.","start":1640.255,"end":1640.495,"sentiment":"neutral","sentiment_score":-0.03751945495605469},{"text":"Okay.","start":1640.495,"end":1640.995,"sentiment":"neutral","sentiment_score":-0.01336807943880558}],"sentiment":"neutral","sentiment_score":-0.0863024501383982,"num_words":44,"start":1621.555,"end":1640.995},{"sentences":[{"text":"Yeah.","start":1641.135,"end":1641.4551,"sentiment":"neutral","sentiment_score":0.12497755885124208},{"text":"Which is yeah.","start":1641.4551,"end":1642.3551,"sentiment":"neutral","sentiment_score":0.0858446831504504},{"text":"Which is yeah.","start":1642.495,"end":1644.655,"sentiment":"neutral","sentiment_score":0.07406092310945193},{"text":"That 8%.","start":1644.655,"end":1645.7151,"sentiment":"neutral","sentiment_score":0.05469033308327198},{"text":"Yeah.","start":1647.055,"end":1647.535,"sentiment":"neutral","sentiment_score":0.09954001754522324}],"sentiment":"neutral","sentiment_score":0.08136150613427162,"num_words":10,"start":1641.135,"end":1647.535},{"sentences":[{"text":"General.","start":1647.535,"end":1648.015,"sentiment":"neutral","sentiment_score":0.10548894107341766},{"text":"Yeah.","start":1648.015,"end":1648.515,"sentiment":"neutral","sentiment_score":0.10361818969249724},{"text":"No worries.","start":1655.33,"end":1656.07,"sentiment":"neutral","sentiment_score":0.1054728552699089},{"text":"Yeah.","start":1658.37,"end":1658.69,"sentiment":"neutral","sentiment_score":0.10530424863100052},{"text":"Go 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to maybe pay help pay some of the things off.","start":2108.23,"end":2121.985,"sentiment":"neutral","sentiment_score":0.03511312095305094},{"text":"Well, I actually found out the other day that you can only receive one life insurance.","start":2136.53,"end":2141.67,"sentiment":"neutral","sentiment_score":-0.05672632437199354},{"text":"I was not aware of that until recently, but because through well, it works there at the moment.","start":2144.125,"end":2231.335,"sentiment":"neutral","sentiment_score":0.004419322643015118},{"text":"We have what they call a plum.","start":2231.335,"end":2233.515,"sentiment":"neutral","sentiment_score":0.03128458772386823}],"sentiment":"neutral","sentiment_score":0.003615891381811637,"num_words":78,"start":2101.83,"end":2233.515},{"sentences":[{"text":"Got a life insurance for them.","start":2234.695,"end":2236.395,"sentiment":"neutral","sentiment_score":-0.0007769266764322916},{"text":"I don't know what the amount is for 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that?","start":2684.28,"end":2685.02,"sentiment":"neutral","sentiment_score":-0.032690889202058315}],"sentiment":"neutral","sentiment_score":0.13927461879534853,"num_words":18,"start":2640.6501,"end":2685.02},{"sentences":[{"text":"Yep.","start":2716.87,"end":2717.37,"sentiment":"neutral","sentiment_score":0.005674955900758505},{"text":"Because you also raised another another question too.","start":2762.7698,"end":2765.8298,"sentiment":"neutral","sentiment_score":-0.1592814652249217},{"text":"I don't have a will.","start":2765.89,"end":2767.1099,"sentiment":"neutral","sentiment_score":-0.29646316170692444},{"text":"So we have been I've been thinking about that, and it'll be be sorting that out shortly as well.","start":2767.41,"end":2777.145,"sentiment":"neutral","sentiment_score":0.03031208621043908},{"text":"So yeah.","start":2777.145,"end":2783.145,"sentiment":"neutral","sentiment_score":0.07176565006375313}],"sentiment":"neutral","sentiment_score":-0.058040903894496815,"num_words":35,"start":2716.87,"end":2783.145},{"sentences":[{"text":"So, again, the union do the unions do wills for free.","start":2783.145,"end":2790.37,"sentiment":"positive","sentiment_score":0.3334847526116805},{"text":"So I did just do one second.","start":2790.37,"end":2798.95,"sentiment":"neutral","sentiment_score":0.057023156833435805},{"text":"I know because I did actually look at doing it there a while back, but, unfortunately, people are stupid money for at times.","start":2799.09,"end":2820.0698,"sentiment":"neutral","sentiment_score":-0.17793962294640747},{"text":"So that's why we didn't do in the past, but I started looking at it, and then I actually come across it in the standard in the the union do it now.","start":2820.7698,"end":2833.005,"sentiment":"neutral","sentiment_score":-0.04030187986791134},{"text":"So but what's that?","start":2833.005,"end":2837.2449,"sentiment":"neutral","sentiment_score":-0.07105911336839199}],"sentiment":"neutral","sentiment_score":-0.020766409875994377,"num_words":77,"start":2783.145,"end":2837.2449},{"sentences":[{"text":"I'm just looking I'm on the VTU site now, so I just perfect.","start":2837.2449,"end":2845.505,"sentiment":"neutral","sentiment_score":0.1778962920921353},{"text":"I'm not sure.","start":2858.45,"end":2869.605,"sentiment":"neutral","sentiment_score":-0.04663171246647835},{"text":"Off the top of my head, not really.","start":2869.665,"end":2871.365,"sentiment":"neutral","sentiment_score":-0.1283321063965559},{"text":"Oh, yeah.","start":2884.68,"end":2885.235,"sentiment":"neutral","sentiment_score":0.07552562095224857},{"text":"Yep.","start":2888.435,"end":2888.935,"sentiment":"neutral","sentiment_score":-0.03316646069288254}],"sentiment":"neutral","sentiment_score":0.04681424406805524,"num_words":27,"start":2837.2449,"end":2888.935},{"sentences":[{"text":"Right.","start":2954.5,"end":2955.0,"sentiment":"neutral","sentiment_score":0.24010854959487915},{"text":"No worries.","start":2990.685,"end":2991.3452,"sentiment":"neutral","sentiment_score":0.041793378069996834},{"text":"Because it's funny because we we even went to get the solicitor to do it for us when we were selling mother in law's house, thinking I might look after us.","start":2991.645,"end":3004.59,"sentiment":"neutral","sentiment_score":0.09385104621610334},{"text":"And, yeah, it was he did not.","start":3004.59,"end":3010.45,"sentiment":"neutral","sentiment_score":-0.017709886389119283},{"text":"Kevin 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her yeah.","start":3102.875,"end":3104.895,"sentiment":"neutral","sentiment_score":0.05030643567442894},{"text":"You're not one of the new ages not one of the new age families.","start":3105.275,"end":3108.575,"sentiment":"neutral","sentiment_score":0.015192053413816861},{"text":"Yep.","start":3142.84,"end":3143.24,"sentiment":"neutral","sentiment_score":0.275357186794281}],"sentiment":"neutral","sentiment_score":0.018590129911899567,"num_words":22,"start":3101.275,"end":3143.24},{"sentences":[{"text":"No worries at all.","start":3143.24,"end":3144.3,"sentiment":"neutral","sentiment_score":0.21142669022083282},{"text":"You got there you got there in the end with that late last question.","start":3145.8801,"end":3148.6,"sentiment":"neutral","sentiment_score":-0.038873184738414626},{"text":"So I know.","start":3148.6,"end":3154.6548,"sentiment":"neutral","sentiment_score":-0.0966103399793307},{"text":"Oh, there's some twisted people out there.","start":3154.6548,"end":3156.755,"sentiment":"neutral","sentiment_score":-0.18549865271363938},{"text":"Yep.","start":3187.475,"end":3187.975,"sentiment":"neutral","sentiment_score":0.05776803195476532}],"sentiment":"neutral","sentiment_score":-0.04238177180804055,"num_words":29,"start":3143.24,"end":3187.975},{"sentences":[{"text":"Am I able am I because I'm on I'm going on a cal I'm on a week's holiday, and then I'm coming back.","start":3196.49,"end":3205.305,"sentiment":"neutral","sentiment_score":-0.00925406862212264},{"text":"So what I can do is when I get back, revisit things.","start":3205.545,"end":3210.105,"sentiment":"neutral","sentiment_score":0.0181471419831117},{"text":"So if you wanna give us a bell or something like that even and because preferably after 03:00 here.","start":3210.105,"end":3221.8,"sentiment":"neutral","sentiment_score":0.04528275161589447},{"text":"The reason I say that is because I'm back on day shift for about three weeks, and anything after 03:00 that then should be fine.","start":3223.06,"end":3230.715,"sentiment":"neutral","sentiment_score":0.06386859446763993},{"text":"Yep.","start":3238.955,"end":3239.455,"sentiment":"neutral","sentiment_score":0.026566799730062485}],"sentiment":"neutral","sentiment_score":0.03110720084514469,"num_words":80,"start":3196.49,"end":3239.455},{"sentences":[{"text":"Yep.","start":3240.155,"end":3240.655,"sentiment":"neutral","sentiment_score":0.0923842191696167},{"text":"Good on you.","start":3247.03,"end":3247.8499,"sentiment":"positive","sentiment_score":0.4081662694613139},{"text":"No worries.","start":3251.99,"end":3252.55,"sentiment":"positive","sentiment_score":0.4704369008541107},{"text":"Thank you very much.","start":3252.55,"end":3253.53,"sentiment":"positive","sentiment_score":0.6670041978359222},{"text":"Good on you.","start":3254.47,"end":3255.3699,"sentiment":"positive","sentiment_score":0.6685236493746439}],"sentiment":"positive","sentiment_score":0.5331803514407232,"num_words":13,"start":3240.155,"end":3255.3699},{"sentences":[{"text":"See you.","start":3255.43,"end":3255.99,"sentiment":"positive","sentiment_score":0.39286676049232483},{"text":"Bye.","start":3255.99,"end":3256.49,"sentiment":"neutral","sentiment_score":0.2394462823867798}],"sentiment":"positive","sentiment_score":0.3417266011238098,"num_words":3,"start":3255.43,"end":3256.49}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Darren speaking.\n\nChannel 0: Hi, Darren. This is Jenniferning here from Oakview Financial. How are you today?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. Before I go any further, I just do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? And, Darren, can I please ask you to confirm your full name, date of birth, and address,\n\nChannel 1: Yep.\n\nChannel 0: please?\n\nChannel 1: Darren Turner. 2671612 Sunwell Street, Bunnell.\n\nChannel 0: Fantastic. Thank you. How are you doing today, Darren?\n\nChannel 1: Good. Good.\n\nChannel 0: Yes. That's good. The purpose of my call is just to complete out in your review. Do you have time to do that now?\n\nChannel 1: Yep.\n\nChannel 0: Yeah? Oh, fantastic. Before I jump into it, what I'd like to do is just check-in and see if there's been any significant changes for you financially or personally that you'd like to focus on.\n\nChannel 1: Not really.\n\nChannel 0: No? No? That's okay. That's alright. If it's okay with you, I might run through some of the information that we hold on file just to make sure that it is still current and relevant to you.\n\nIs that okay?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Darren, I have your spouse and next of kin noted as Cassandra Turner. Is\n\nChannel 1: Yep.\n\nChannel 0: that still correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And I have here that you have three dependents. Are they\n\nChannel 1: Yep.\n\nChannel 0: minors 18?\n\nChannel 1: One's 18. Two of them\n\nChannel 0: Yep.\n\nChannel 1: are 18.\n\nChannel 0: Okay. No worries at all. And I have you here as an electrician. Are you still an electrician\n\nChannel 1: Yep.\n\nChannel 0: for Mars Group? Is that\n\nChannel 1: Yep.\n\nChannel 0: correct? Lovely. And full time? Is that thirty eight hours a week?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. And your\n\nChannel 1: Can\n\nChannel 0: in\n\nChannel 1: we do we have\n\nChannel 0: yep.\n\nChannel 1: to go through all this? We do have to go through it every time, and nothing's changed.\n\nChannel 0: Nothing's changed?\n\nChannel 1: So\n\nChannel 0: The\n\nChannel 1: yeah.\n\nChannel 0: only the only stuff I can I can skip through that? The only stuff I do really need to confirm is probably just your income and assets and liabilities. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: I'll keep it brief. Income at $1.20?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Expenditure and savings, the same as last time.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And I have your home valued at 900,000. Would that still be correct?\n\nChannel 1: Yep. That'd be roughly alright. Yep.\n\nChannel 0: And about 5,000\n\nChannel 1: A\n\nChannel 0: owing on\n\nChannel 1: bit less than that, but\n\nChannel 0: your\n\nChannel 1: yeah.\n\nChannel 0: home. Yeah. Fantastic. And a credit card of 5,000. Is that the balance or the the limit?\n\nChannel 1: The limit was $10, but, well, I have pretty much nothing\n\nChannel 0: Okay.\n\nChannel 1: on that. So I think it's\n\nChannel 0: Okay.\n\nChannel 1: $1,200 or something.\n\nChannel 0: Oh, thank you. Thank you so much for that. Sorry about that. I know that you had some personal investments. Are they still applicable?\n\nYou've got some shares with Colonial First State, some cash,\n\nChannel 1: Yep.\n\nChannel 0: some LemonX shares.\n\nChannel 1: Yep.\n\nChannel 0: Yeah? Okay. I'll leave\n\nChannel 1: Yeah.\n\nChannel 0: all those as is. And then just with your goals and objectives, I just wanna check and see if they're still current very briefly before I send you through the information. You did say in your last review that you wanted to buy another property in around five years and travel around Australia, including the Northern Territory?\n\nChannel 1: Possibly it. Yep.\n\nChannel 0: Yeah. Okay. And you'd like to get a Caravan for Cassandra and yourself?\n\nChannel 1: Go to caravan.\n\nChannel 0: You got it. Congratulations. Lovely. Have you had the chance to use it yet?\n\nChannel 1: Oh, no. No. Yeah. Yep.\n\nChannel 0: Oh, that's good. And you wanted to get an investment property to rent out?\n\nChannel 1: Yep. Although right. After speaking last time, I did ask to get a financial adviser to contact me\n\nChannel 0: Okay.\n\nChannel 1: to discuss that, and he did discuss we did\n\nChannel 0: Mhmm.\n\nChannel 1: have one phone call, a couple of phone calls, and then he was gonna follow-up with more advice and never did it, which\n\nChannel 0: Okay.\n\nChannel 1: bit disappointed.\n\nChannel 0: Let me have a look because I'm gonna run while I run through these questions, because I am an adviser, so I can have a look at this as well. If you do you mind giving me a couple of minutes just to read through quickly?\n\nChannel 1: Mhmm.\n\nChannel 0: Or I can actually do a post if you like, and I can come back to you and save you some time because it could take me a little bit. Would you like me to come back to you?\n\nChannel 1: Yeah. Yeah. Yeah. That'd be fine.\n\nChannel 0: I've got I've got a big note here to come back to you. I do you want me to do that in an email or a phone\n\nChannel 1: Because\n\nChannel 0: call?\n\nChannel 1: because the guy who I don't forget the name of the guy and sat down at a discussion, and I said to him basically along the lines of what, you know, what they suggest, and they said it and I was basically said suggested I was thinking about doing for a property, but they suggested doing shares or super, pay into super, extra super.\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: But then I and I send all the details of everything I've got back to him, and I never they never got back to me, which\n\nChannel 0: Okay. Let\n\nChannel 1: that was back in the start of the year, and\n\nChannel 0: so\n\nChannel 1: I forgot all about it, and you reminded me.\n\nChannel 0: that's okay. Leave that with me. I'm gonna look into that. So that was the beginning of this year.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. K. Leave that with I'll do some investigation, and I will definitely come I promise I will come back to you. Alright. Okay.\n\nSo the investment property, is that off the cards now?\n\nChannel 1: Well, being because of the\n\nChannel 0: Changes?\n\nChannel 1: it was it\n\nChannel 0: Yep.\n\nChannel 1: was suggested that I didn't go down that path. But, anyway,\n\nChannel 0: Yep.\n\nChannel 1: that was\n\nChannel 0: Okay. Yep. That's okay. Leave that one with me. With your, you just want you said you had stated you wanna get as much possible out of it gross wise as possible.\n\nIs that still correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And you is your goal to still retire at age 60 with $1,500 per week?\n\nChannel 1: Yep. If I can.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Alright. Well, we're definitely at that stage where we need to start looking and planning for that. We have you down as a growth investor, which we might have a squeeze at in a second.\n\nI'm gonna shoot I'm gonna send you through a you'll receive an email from myself that has out the review pack that we're gonna talk through on it or attached\n\nChannel 1: Mhmm.\n\nChannel 0: to it, I should I should say. And what we might do is start looking at that retirement planning and what we need to do now to bring that\n\nChannel 1: Yep.\n\nChannel 0: into fruition. So I've just hit send, so it should pop up in your emails momentarily.\n\nChannel 1: Yep.\n\nChannel 0: And when you do open that, it'll come, it'll say it'll have a sign link. Click here to sign. If you just click that, it will you're not signing anything at the moment. You'll just open the the documents that we're gonna walk through.\n\nChannel 1: Yes.\n\nChannel 0: Do you have that open?\n\nChannel 1: It just come through just now.\n\nChannel 0: Oh, okay. Yep. That's alright. Alright. Is that all opened up?\n\nChannel 1: It's opening up at the moment. Sorry.\n\nChannel 0: No. Please don't apologize. Absolutely fine.\n\nChannel 1: Alright. So that's come up.\n\nChannel 0: Fantastic. So the first document you should see is a summary of your super and insurance.\n\nChannel 1: Yep.\n\nChannel 0: Is that right? Yeah?\n\nChannel 1: Yep.\n\nChannel 0: It's just a very high level overview. Your supers with hub twenty four. It's sitting at $757,111 rounded up, and you've got your life and TPD insurance sitting at a sum insured of 59,617 thousand each. And that premium of $630.88 per annum is taken from your hub twenty four\n\nChannel 1: No.\n\nChannel 0: account. The next document along is your twelve month performance history with hub twenty four. The first thing that I am going to draw or first discussion piece I'm gonna draw your attention to is that first one, the Bennelong Strain Equities Fund. You'll see that it has had an underperforming value. The reason for that and the first the reason for my first point of discussion with this is that, at the moment, all the clients that we're speaking with is we are reviewing the Banna Long Australian Equities Fund within all clients' portfolios, and that's a company wide decision.\n\nSo the reason being is that Bennelong's investment mandate dictates that they look for undervalued companies within the Australian share market for potential growth opportunities. Now in the last few months, Bennelong has had a turnaround and a kickback, which is great. But due to the fact that it was a systemic ongoing issue,\n\nChannel 1: Yep.\n\nChannel 0: we're not comfortable retaining it in client portfolios. We're not reactive to underperformance. So if if a fund does underperform, that's expected as part of a portfolio on the way that the market behaves. But when it becomes a long term or an ongoing scenario, that's when we look at the the value of holding it within the portfolio. So the company as a company, we've reached the decision that we are not comfortable holding it in client's portfolios, and we do want to look at alternatives that still help you meet your goals and objectives that are retiring at 60 with an income\n\nChannel 1: Yep.\n\nChannel 0: of $1,500 per week. But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The other one that I'd wanted to review in your portfolio is the third one down. You'll see that it's the Beta Bank hybrid ETF. Now there's nothing wrong with that investment itself. It forms part of the defensive allocation of your portfolio.\n\nThe reason why I wanna review it is that from January 2027, the Australian banking system is phasing out hybrids. So that means that those investments will no longer be available. I don't know what it looks like come January 2027. So the clients that I'm working with, I'm taking a proactive approach to act now because I just don't know what the future holds in relation to what's what the banks are gonna offer as a replacement for those investments. So if you're comfortable with that, I would also look at I'd like to take a look at potential alternative.\n\nChannel 1: And which one was that one? Sorry.\n\nChannel 0: The third one down, the beta bank hybrid ETF. So at the moment, you have approximately 70\n\nChannel 1: Yep.\n\nChannel 0: 4\n\nChannel 1: Yep.\n\nChannel 0: thousand. Yep.\n\nChannel 1: Yep.\n\nChannel 0: It hasn't you know, gross wise, we don't expect a lot of growth from defensive assets. Income wise, it's it's done well. There's nothing particularly wrong with it. It's just the uncertain future of it that I'm not comfortable with. I don't know what's gonna be what's gonna replace it.\n\nSo I'd rather be a little bit more proactive now while it is still doing well because I just don't know what the next few months hold. Is that okay\n\nChannel 1: Yep.\n\nChannel 0: with you?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Okay.\n\nChannel 1: fine.\n\nChannel 0: Fantastic. That's\n\nChannel 1: I'm actually I'm happy for you to be reviewing these because\n\nChannel 0: yep.\n\nChannel 1: as you would well know,\n\nChannel 0: Mhmm.\n\nChannel 1: the superannuation hasn't been really high growth in the last twelve months.\n\nChannel 0: No. So and that's due to the Bennelong Fund. So the overall performance of your portfolio has been impacted by that Bennelong Fund, the one at the top. The you so the internal rate of return even with Bennelong for the last twelve months has been 5%. If I look at your projected out internal next twelve months, it's gonna be significantly higher.\n\nBut that's that's why we wanna look at even even as I mentioned before, Bennelong has turned around and they are now not underperforming. It's not something that we're willing to risk keeping in a portfolio for our clients moving forward.\n\nChannel 1: Yep.\n\nChannel 0: So in relation to your portfolio, and then I guess another consideration we need to make is or discuss is that you are invested as a growth investor. So what that means is that we would typically see 80% of your funds invested in the growth assets. So that's like the Australian shares, international shares, listed property, and the 20% sitting in cash and, like, the bank hybrid option, for example, or fixed interest. Now as your I your retirement date is five years away, it doesn't have to be this review. But at some point, what we would need to do is start looking at that allocation and whether we look at reducing some to defensive assets, more to defensive assets as you get closer to 60\n\nChannel 1: Yes.\n\nChannel 0: so that the income producing assets are there as well as the growth. And we it'll we call it a bucket, basically. You don't want to sell any gross assets to fund your retirement income. We always want your gross assets sitting there growing, producing income, doing both while your defensive assets is producing more of an income to top up that bucket to fund your income need of $1,500 per week. So we don't need to look at probably changing any of that allocation now.\n\nYou're still five years out. But I would say within the next maybe the next review, we'd start looking at getting closer to it. But definitely by three years out, I would want to start looking at reducing well, increasing a little bit more of your assets to defensive or just to start building that cash reserve for impending retirement. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Okay. Fantastic. The rest of your portfolio is actually doing quite well. You're got a lot of diversification. They get in there.\n\nYou've got some niche markets being your global agriculture, your global cyber, and some physical gold along with the the iShares S and P 500, so you're American for US exposure. And you also have the Australian fixed interest in there, which is the nice defensive portion as well. I'm pretty happy with your portfolio. I'm gonna review it as a whole anyhow, but I'm definitely gonna look at the Benelon and the hybrid, and I'll have a look at if there's any other tweaks that need to be made just to make sure that it works in with your retirement goals.\n\nChannel 1: Yep. No worries. So if I was do I what what am I looking at ending up with at the moment\n\nChannel 0: Mhmm.\n\nChannel 1: as a as a yearly wage,\n\nChannel 0: Drawing\n\nChannel 1: yearly\n\nChannel 0: from\n\nChannel 1: income?\n\nChannel 0: your super?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Leave that with me. That's something that I would we would need to model out. So\n\nChannel 1: Yep.\n\nChannel 0: you had drawing on 1,500. I guess that's another question I wanted to ask. Cassandra. How old Cassandra?\n\nChannel 1: She's 51.\n\nChannel 0: Yep. Okay. And that's $1,500. Is that for you only or for you combined? Does Cassandra plan on retiring when you are 60?\n\nChannel 1: Really haven't spoke about it, to be honest.\n\nChannel 0: Yeah.\n\nChannel 1: I did\n\nChannel 0: Yeah. So\n\nChannel 1: the other day, and I said, she I don't know if she wants to work on. I'm not sure.\n\nChannel 0: that yeah. So I think probably there's a couple of factors in there that we need to really consider because Cassandra, depending on what her superannuation balance is, and if she can't access her till 60, so she's behind you. So in relation to that, if she was to retire when you were 60, is that $1,500 for you both, or is it gonna need to be more? Because we may need to supplement it from your superannuation until Cassandra reaches the age of 60, whereas then we'd look at reducing your drawdown and increasing Cassandra's. So there's a couple of factors there for retirement for us to consider on how you both want to or how you you see it occurring.\n\nBecause it for me to be able to model it out, I can definitely model it out on $1,500 a week, $8.60 for you. It doesn't take into account the other factors that I just from a holistic point of view, what, as a family, what you and Cassandra wanna achieve.\n\nChannel 1: Mhmm. Yeah. To be honest, I I can't tell you at the moment.\n\nChannel 0: So that's okay. Did you want me to put that in an email for something? It doesn't you don't need to come back to me anytime soon because we don't need to discuss it in this review.\n\nChannel 1: Yep.\n\nChannel 0: What I will do is I will model out 60 to 1,500, but just something that you and Cassandra can have a chat about as retirement draws closer of what it is that you really, really want to. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Now while I've got you, you've got me\n\nChannel 0: Yes.\n\nChannel 1: looking a little bit further into mine. Now\n\nChannel 0: Yeah.\n\nChannel 1: I'm just looking I've got sorry. I got back to this one. In in July\n\nChannel 0: Yeah.\n\nChannel 1: and in and in September, I've been given $840. Is that part of that two\n\nChannel 0: Mhmm.\n\nChannel 1: and a half that what is it? 1.25% or whatever it is?\n\nChannel 0: Ingeo Superfund?\n\nChannel 1: Oh, yeah. For fees.\n\nChannel 0: Hang on. Just let me jump into Hub 24 now while I've got you. Give me one second.\n\nChannel 1: Obviously, just because because my it's the the thing's not performing. I'm just looking at a lot of the expenses. I'm\n\nChannel 0: Yeah.\n\nChannel 1: just looking at a few of the fees. So\n\nChannel 0: Yep. Give me one second to jump in. I just don't have that report handy. So if I jump in live, I can actually\n\nChannel 1: Yep.\n\nChannel 0: see what you're talking to, and then we can chat about that. Okay. So that's July and September of this year?\n\nChannel 1: Yeah. So there was one there\n\nChannel 0: Yep.\n\nChannel 1: on the sixth of the ninth, and and there's also one on the '68, which both are 840 $840.82. Because to my understanding\n\nChannel 0: '6 of the '9. Yep. Yep. So\n\nChannel 1: yeah.\n\nChannel 0: that's our advice fee. That's correct.\n\nChannel 1: So that's part of that. So is it 1.65%\n\nChannel 0: Correct. That is\n\nChannel 1: charge?\n\nChannel 0: the 1.6\n\nChannel 1: Yep.\n\nChannel 0: 5%.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So\n\nChannel 0: So that that totaled out is the annual fee. So that times 12 is the annual fee.\n\nChannel 1: yep. No worries. And then you got expense recovery fee.\n\nChannel 0: Yep. So that is the expense recovery fee is the superannuation platform. So what they do is they estimate out the fees. And what it is is the superannuation, if there's a shortfall in it, in administrative costs on the superannuation fund, for example, that shortfall is calculated once a year. So there was a shortfall of $45.12 in fees payable to hub twenty four for the admin or potentially even investment fees, but they don't give us details to that, and that's what that is.\n\nIs.\n\nChannel 1: And then you've\n\nChannel 0: It's\n\nChannel 1: got\n\nChannel 0: very common.\n\nChannel 1: and then at the start of the month, you've also got portfolio service fees as well. That's\n\nChannel 0: Yes.\n\nChannel 1: monthly as well.\n\nChannel 0: Correct. So if you look at that performance chart or document there, if you look at each of those funds, they all charge what they call as an investment fee. That's the total of those investment fees across your whole entire portfolio.\n\nChannel 1: Just this this is actually purchasing the the the shares and stuff, is it?\n\nChannel 0: Not purchasing for the management. So let's use Bannalong, for example, because it's at the top. They have a fee per month, so it's usually a percent based fee. It might be point eight three or something, for example. I can get the exact one for you.\n\nAnd that's charged monthly for the and that's the investment fund manager. So every single client that holds any exposure to the Benelon Australian Equity Fund pays that fee. So that covers their administration, basically. The moving well, the administration, basically. They're moving well, the research they conduct to buy into specific investments, it's the same across every single fund.\n\nSo each fund will have a different will charge a different fee. Typically, the ETF, so those bottom six that you have exposure to, those fees are typically less than a managed fund, which is your\n\nChannel 1: Yep.\n\nChannel 0: Benelon and ClearBridge above. So an ETF and it's the investment manager's fee.\n\nChannel 1: No worries.\n\nChannel 0: So that return that I gave you before of 5%, that's after all of typically see typically see a return of between seven to nine percent. We would want to see with one in every five years being negative. Now where it's the last twelve months has definitely fallen short of that, and\n\nChannel 1: Mhmm.\n\nChannel 0: that is due to the. If we if we project out sorry. I'll I can do all these figures afterwards and it in an email for you. But the the underperformance if, let's say, for example, Bennelong hadn't been in there, Bennelong's per has been a great performer in the past and has probably helped really provide some significant growth in the past to your portfolio. Unfortunately, in the last twelve months, it has let us down, and that's why we are looking to alternatives for\n\nChannel 1: Yep.\n\nChannel 0: a replacement. Any\n\nChannel 1: Alright.\n\nChannel 0: other questions about the investments or fees or anything that you you need you want me to clarify or provide information on?\n\nChannel 1: No. No. That's just while while you're going through it, I am reading up a bit of bit of a little bit about it as well because\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Because because what is it? What about what about you got it down as high growth?\n\nChannel 0: You've got it down as growth.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Which is yeah. Which is yeah. That 8%.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: General. Yeah.\n\nChannel 0: We we say, yeah, seven to nine, so that's 8% the middle ground. Yep.\n\nChannel 1: No worries.\n\nChannel 0: So yep.\n\nChannel 1: Yeah. Go on. Sorry.\n\nChannel 0: Oh, no. No. No. I was just gonna say, did you have any other questions that I can help?\n\nChannel 1: No. No. No. That's that's it. I\n\nChannel 0: Yeah.\n\nChannel 1: I just, as I said, I'm just to be concerned, and, obviously, you're putting it down to.\n\nChannel 0: Yeah. Mhmm.\n\nChannel 1: The performance I've been watching that super in it. Yeah. It's probably half of what I've at at this moment, I'm expecting about a 100 roughly about 10 a $100 towards just a 100 at the moment for my super. And that's what I'd like to see. Because that in previous years, that's what roughly what I was getting.\n\nSo\n\nChannel 0: Yeah. Yeah. And I understand that. So if we looked at it at the beginning of twelve months and doing a $100, we would expect the return to sit at about 14%. So\n\nChannel 1: About what? Sorry.\n\nChannel 0: the about 14%. If we looked at your beginning your opening balance twelve months ago being $6.94 500, if\n\nChannel 1: Yep.\n\nChannel 0: we expected a $100 on top of that in gross and income, so the two combined, we'd be looking at somewhat of a return of 14% to get that figure. You know, the last few years have been fruitful for a lot of us, especially post COVID. Markets really did and even in COVID, the recovery, markets really did do great things for a a lot of us. However, an ongoing return of about 14% each year is not ideally it's not realistic. But if we what I did if what I do is look at an annualized return let me have a look.\n\nIf you just give me one sec. If we look at let's have a look. So we'll do it in calendar years. So if we go back What I'm gonna do is have a look at the annualized returns over time. I think sometimes myself guilty of it as well is we do look at the one year return as opposed to the long term return.\n\nChannel 1: Mhmm.\n\nChannel 0: Because from year to year, it's gonna vary depending on how what's going on in the world.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: And I\n\nChannel 0: our\n\nChannel 1: understand that. Yep.\n\nChannel 0: yeah. Yeah. So if we look at the annual return for the last five years, so your portfolio so this is specific to your portfolio. The annualized return is sitting at 9.98% per year over the five years with a total return of 46.39%. So we're always gonna get that volatility this year.\n\nIt's maybe one of the lower years that we're going to experience it, and I can send a report to you. But over the last five years, it your annualized average out return is 9.98%. So it is sitting where we want it to over the long term. We can go further back if you'll if if that if you need if you would like some more clarity because I know that information is key. When people have the information, it helps make informed decisions.\n\nSo I'm happy to provide as much information as you need for comfort as well. So I'm pretty happy with that return being 9.98% averaged out over the five years. Hasn't\n\nChannel 1: Mhmm.\n\nChannel 0: yes. I agree. Your account hasn't hit the mark this year. Been along being one of the factors. Interest rates, not only in Australia, worldwide with America as well, inflation, the cost of living, petrol prices, all those all those elements have really played into account this year.\n\nBut in my view, it's really been the banner long account that has let us down in relation to performance\n\nChannel 1: Alright.\n\nChannel 0: of your\n\nChannel 1: Let's\n\nChannel 0: portfolio.\n\nChannel 1: let let let's let's axe those bastards. They're dragging\n\nChannel 0: I agree. I agree.\n\nChannel 1: us\n\nChannel 0: So the\n\nChannel 1: all\n\nChannel 0: that's definitely on my hit list to action\n\nChannel 1: down.\n\nChannel 0: for you. The next document\n\nChannel 1: Mhmm.\n\nChannel 0: is a Vanguard index chart. You've probably seen this many times or something similar. It just shows you market behavior. So you'll see\n\nChannel 1: Yep.\n\nChannel 0: along the top your events, worldwide events, and how the market has it has reacted to those, and then, again, how it recovers. Those top four on the right hand side is your growth assets. So as mentioned before, you've got 80% exposure to those. And the bottom two is your defensive income doesn't provide your portfolio as much growth. It's designed there\n\nChannel 1: No.\n\nChannel 0: to help in times of volatility to still produce income when the market takes a bit of a tank. So are you comfortable for this year to keep following that 80% exposure, 20%, or did you wanna look at starting to decrease it knowing that that will also decrease your return over the next twelve months?\n\nChannel 1: To be honest, I'd like to keep the growth.\n\nChannel 0: Yes. That is absolutely fine. Because I think I think you still have time on your hands at the moment\n\nChannel 1: Yep.\n\nChannel 0: to still take that growth approach with at least within the next two years of looking at just increasing a little bit of exposure to defensive assets.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. The next document is your certificate of currency. So that's your insurance with Clearview just showing that it is in force. The question\n\nChannel 1: Yep.\n\nChannel 0: I probably wanted to ask here is it's a small amount of cover. It's not cover it's not costing you much in relation to premiums. Is there a reason given that you have very little debt that you're maintaining this cover?\n\nChannel 1: Basically, it's to well, to be honest, I'm just about to buy a new probably buy a new car.\n\nChannel 0: Mhmm.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: that'll have some I'm probably looking at\n\nChannel 0: Yep.\n\nChannel 1: probably about $30.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So that'll give me some and then on top\n\nChannel 0: Absolutely.\n\nChannel 1: of that, it's also it's also just to maybe pay help pay some of the things off.\n\nChannel 0: Yep. I completely understand. Just wanted to touch base and check-in on that. There is always usually a reason why somebody wants to maintain that cover, and that is absolutely fine. I just wanted to check and make sure that\n\nChannel 1: Well, I actually found out the other day that you can only receive one life insurance. I was not aware of that until recently, but\n\nChannel 0: it depends. So the cover you have here is what we call underwritten cover. So when you applied for this cover with Clearview, there would have been a question on the application form that says, do you hold any other life TPD cover? If you didn't if you didn't at that point in time, that's absolutely fine. You are able to 100% have multiple life covers.\n\nBut with underwritten cover, it needs to be taken into consideration by the underwriters. So given your low levels of cover, it's it was it'd be unlikely to be an issue. But, typically, if you held, for example, an industry fund, so if you have let's call it what's one of the most common ones? Q super, for example, and you have a life insurance policy in there that's group cover, they would look at that, the insurers, and one and say, see if the need was there to pay out. So you can have more than one.\n\nIt just depends what your what type you're talking about and whether\n\nChannel 1: because\n\nChannel 0: it had been\n\nChannel 1: through\n\nChannel 0: considered.\n\nChannel 1: well, it works there at the moment. We have what they call a plum. Got a life insurance for them. I don't know what the amount is for that. And then on top of that, I think with I'm with the ATU as well.\n\nSo I'm not sure if I through that, I get life insurance as well.\n\nChannel 0: The ETUs. Is that, like, your employer an employment scheme?\n\nChannel 1: The plumbing. Yes.\n\nChannel 0: Yeah. Okay. And the ETU, what what is that? Sorry?\n\nChannel 1: The literal trade union.\n\nChannel 0: Yep. Okay. Yep. So that wouldn't come into play anyway with regards\n\nChannel 1: It\n\nChannel 0: to\n\nChannel 1: wouldn't.\n\nChannel 0: life insurance. No. No. No. No.\n\nBecause that's with your union. That's that's completely separate to what we manage. Like, that would not impact a life insurance policy that you have here or external. That\n\nChannel 1: They they do do super fun, yes.\n\nChannel 0: I would need to probably have a look at that a little bit further just to see. I don't think there'd be any significant issues. When did you get that cover?\n\nChannel 1: Well, it's just part of employment. So they they they actually do pay it. So\n\nChannel 0: Oh, they paid for it? You're employer?\n\nChannel 1: I think so. Yeah. Yep.\n\nChannel 0: Okay. Alright. What I might do is if you have a statement of any kind, I can put it on an email when I email it through to you. If you do have a statement of any kind, I would like to have a look at that just to make sure there's no impacts to you. I don't there would be, but I can't say categorically if there is or isn't.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'll just put that on my notes for me to check-in with you. The next document is your financial services guide. It's in the past. It explains who we are,\n\nChannel 1: Yep.\n\nChannel 0: you know, the guide, the license by and how to make a complaint. And then the next document is your\n\nChannel 1: So I'm going\n\nChannel 0: ongoing\n\nChannel 1: I'm sliding down to see which see\n\nChannel 0: oh, yeah.\n\nChannel 1: your photo\n\nChannel 0: That's fine.\n\nChannel 1: view.\n\nChannel 0: Oh, I'm not in there yet. I've not long started with Oaktree, so I think so.\n\nChannel 1: You're right. Okay.\n\nChannel 0: Yeah. Yep. So I've been an adviser for gosh. Oh,\n\nChannel 1: Who\n\nChannel 0: I don't\n\nChannel 1: are you\n\nChannel 0: even\n\nChannel 1: an\n\nChannel 0: wanna\n\nChannel 1: adviser\n\nChannel 0: say\n\nChannel 1: for? Sorry.\n\nChannel 0: I'm an adviser for Oakview, but I've only just\n\nChannel 1: Yep.\n\nChannel 0: started with Oakview in the last few months. But I have been an adviser for, I would say, about fifteen years. So I've I've, you know, I've I've got some experience under my belt to work with you, so don't worry. Just to give you some what do they\n\nChannel 1: Reshore.\n\nChannel 0: call it? Yes. That's the word. Thank you. The next document in that after the FSG, we'll call it, is the fee document, which looks like it hasn't been completed correctly.\n\nIf I'm looking at that, I'm gonna have to get that reissued to you because I don't know what the fee is. So it's it will be a fixed rate for it a fixed rate fee. So you'll you said earlier, the 1.65%. What we\n\nChannel 1: Yep.\n\nChannel 0: have done, is and you would have seen it throughout your portfolio is when the portfolio is down, the fee is down. When it's up, the fee is up. When it's a percent based fee. What we've done\n\nChannel 1: Yep.\n\nChannel 0: is that doesn't provide a lot of transparency for clients. And, also, when the market's up, there's no reason why we be paid more. That's just, you know, us doing our job. So what moving forward, it won't be a percent base fee. It will be a fixed fee.\n\nSo that fixed fee will be don't know. It's not there. But I will definitely email you afterwards. And it will then be divided by 12, and that's the fee that will come out every single month. So there will be no variance.\n\nSo each twelve months, you'll know what your fee is gonna be\n\nChannel 1: Yep.\n\nChannel 0: when you sign off on it.\n\nChannel 1: Yep.\n\nChannel 0: So I will make sure that that is fixed up, and I get that sent through to you. And then the last number the last document in the pack is the option to provide your tax file number. So what this form is is it shows you that we have your tax file number on file, and that's from when we set up your your superannuation.\n\nChannel 1: Excuse\n\nChannel 0: Bless you.\n\nChannel 1: me. Yep. Thank you.\n\nChannel 0: And it you're welcome. And it's just you noting that you understand that we do hold it on file for you. Well, we hold it on file. So that's your authority there. But what I'm gonna ask you to do is do not sign anything on this pack because that fee information is not correct.\n\nAnd I'm\n\nChannel 1: Yep.\n\nChannel 0: going to get I'll get that pack reissued to you at some point today, but I will send you an email with all the other things that we've talked about first and then let you know when that next pack's coming. So, basically, with the the fee form and the tax file number form, I'll need your signature on. What the fees cover, again, is your review. But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out. So let's say, for example, in six months' time, you know, after the Christmas break, you and Cassandra have had a chance to sit down and have a chat about what retirement looks like, and you've got a better picture of it, shoot\n\nChannel 1: Yep.\n\nChannel 0: me an email, pick up the phone, we'll book in a time, we'll hash out it we'll hash it out and start looking at building what that looks like because it\n\nChannel 1: No\n\nChannel 0: may\n\nChannel 1: worries\n\nChannel 0: be different\n\nChannel 1: at\n\nChannel 0: to\n\nChannel 1: all.\n\nChannel 0: what we talked about today. So you're not limited to your annual reviews. Your your fee covers the ongoing advice. So things change. We understand that, and we're here to support you along that path.\n\nOkay?\n\nChannel 1: Great. Yep.\n\nChannel 0: Any questions?\n\nChannel 1: Oh, of that of given all the questions as we're going along. So yeah.\n\nChannel 0: Fantastic. The only other one thing I wanted to ask you, Darren, is with your superannuation and the reason why I asked about your children before is you've got Cassandra and your three children noted as beneficiaries.\n\nChannel 1: Yep.\n\nChannel 0: Now with Cassandra being paid as a beneficiary of your it's tax free to her. For\n\nChannel 1: Mhmm.\n\nChannel 0: your two my children, it is also tax free. For your adult child, it will not be tax free. There will be 17% tax applied, and\n\nChannel 1: How's\n\nChannel 0: that's\n\nChannel 1: that?\n\nChannel 0: yeah. Yeah. Because they don't meet the definition of a financial dependent. So once a child reaches 18, they're no longer considered dependent under the superannuation and the tax laws. So what happens is is 15% is taxed of the amount they receive, then plus 2% for Medicare.\n\nSo what we look at doing is we always review beneficiaries based on that because children,\n\nChannel 1: Yep.\n\nChannel 0: obviously, grow older. The typically, if you had all adult children, so let's say yesterday something happened, and Cassandra is no longer with us and it was just your children and they're all above 18, typically, what we would recommend or suggest is that you have a will and your superannuation be directed to your will through your estate because your estate would only pay that 15% tax for your children, not the additional 2% for Medicare. So there's probably that's more information for you to consider to tell me what you want me to do with that.\n\nChannel 1: Because you also raised another another question too. I don't have a will. So\n\nChannel 0: Yeah. Yep.\n\nChannel 1: we have been I've been thinking about that, and it'll be be\n\nChannel 0: Yep.\n\nChannel 1: sorting\n\nChannel 0: Yep.\n\nChannel 1: that out shortly as well. So\n\nChannel 0: Yeah. Do you have someone that you can work with for that?\n\nChannel 1: yeah. So, again, the union do\n\nChannel 0: Fantastic. Yep.\n\nChannel 1: the unions do wills for free. So\n\nChannel 0: Will they do that\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: did\n\nChannel 0: Cassandra as well?\n\nChannel 1: just do one second. I know because I did actually look at doing it there a while back, but, unfortunately,\n\nChannel 0: Mhmm.\n\nChannel 1: people are stupid money for\n\nChannel 0: Mhmm.\n\nChannel 1: at times. So\n\nChannel 0: Yes.\n\nChannel 1: that's why we didn't do in the past, but I started looking at it, and then I actually come across it in the standard in the the union do it now. So but\n\nChannel 0: No. That's\n\nChannel 1: what's that? I'm just looking I'm\n\nChannel 0: right.\n\nChannel 1: on the VTU site now, so I just perfect.\n\nChannel 0: Do they do powers of attorney for you as well?\n\nChannel 1: I'm not\n\nChannel 0: Yeah. So what a power of do you know what a power of attorney does?\n\nChannel 1: sure. Off the top of my head, not really.\n\nChannel 0: Yeah. No. That's okay. So, basically, what a power of attorney allows is while you're still alive and if you're ever in a position where you're unable to make decisions for yourself, that document\n\nChannel 1: Oh, yeah.\n\nChannel 0: will allow someone to do that for you. Now\n\nChannel 1: Yep.\n\nChannel 0: a lot of people assume your husband and wife are automatically that person. That's not the case. Say, for example, if Cassandra phones us and something had happened to you and you're in hospital and unable to give us any direction, Without that document, we'd be unable to help Cassandra with anything in relation to your super insurance. So that document is extremely important. Same with if you had individual investments in your own name or an individual bank account or even if the the property was in your name and the loan, she would be limited in accessing any of that and and vice versa.\n\nSo you wouldn't be able to access anything on Cassandra's behalf should you need to if that situation arose. So those two documents go hand in hand, are really, really important. One's basically a living will, if you think about it like that, and the other one is the will for your estate after passing.\n\nChannel 1: Right.\n\nChannel 0: So they both go hand in hand as equally as important. What I'll do when I send you the email, I'll send you the brochure of the professionals we partner with. I had a chuckle before when you said they asked ridiculous money. I've seen versions of ridiculous money in my time and quotes, and some of it is appalling. These guys these guys are very affordable compared to what I've seen in the past.\n\nShould Cassandra not be able to access it through the union, it might be an alternative as well for Cassandra to have it set up. So I'll send it through to you so you've got the information\n\nChannel 1: No worries.\n\nChannel 0: anyway.\n\nChannel 1: Because it's funny because\n\nChannel 0: Yep.\n\nChannel 1: we we even went to get the solicitor to do it for us when we were selling mother in law's house,\n\nChannel 0: Yeah.\n\nChannel 1: thinking I might look after us. And, yeah, it was he did\n\nChannel 0: Oh,\n\nChannel 1: not.\n\nChannel 0: I've seen yeah. I've seen some doozies. A 100% I've seen some doozies, so I I know exactly what you're saying. This one, however, when I first looked at it when I first started, I was like, wow. That's actually really reasonable.\n\nSo, yeah, I think I'll send that through to you for you to have a look at. Either way, hopefully, the union covers Cassandra as well. But,\n\nChannel 1: Kevin\n\nChannel 0: yeah,\n\nChannel 1: what?\n\nChannel 0: there's\n\nChannel 1: Sorry.\n\nChannel 0: we'll help. We'll cover Cassandra doing her her estate planning as well, hopefully.\n\nChannel 1: Yep. Yep.\n\nChannel 0: If not, you do have an alternative there that, you know, can they they can work with you to\n\nChannel 1: Yep.\n\nChannel 0: make sure that they're both set up the way you want it to. With your beneficiaries, are you happy to leave them as they are for the time being in super being 40% to Cassandra and 20 to each child, or do you wanna look at\n\nChannel 1: Yeah.\n\nChannel 0: changing\n\nChannel 1: Leave\n\nChannel 0: that?\n\nChannel 1: it at that for the moment, and then, obviously, yeah, obviously, you have to look at changing that.\n\nChannel 0: Yeah. We can deal with that through\n\nChannel 1: Well,\n\nChannel 0: once\n\nChannel 1: the\n\nChannel 0: a will's in place.\n\nChannel 1: yes. I want my oldest daughter is 18 in January anyway, so she's gonna be in\n\nChannel 0: Mhmm.\n\nChannel 1: the same boat.\n\nChannel 0: Yeah. Yep. Are you and Cassandra sorry to ask this. There's no nice way to ask this. I'm just gonna be blunt.\n\nA blended family?\n\nChannel 1: A what?\n\nChannel 0: Or is it a blended family for all three children your own or,\n\nChannel 1: No.\n\nChannel 0: like,\n\nChannel 1: No.\n\nChannel 0: together\n\nChannel 1: They're all\n\nChannel 0: or\n\nChannel 1: mine. And\n\nChannel 0: yep.\n\nChannel 1: her\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: You're\n\nChannel 0: That\n\nChannel 1: not\n\nChannel 0: that\n\nChannel 1: one\n\nChannel 0: makes\n\nChannel 1: of the new\n\nChannel 0: sense.\n\nChannel 1: ages not one of the new age families.\n\nChannel 0: No. The reason I say that is because it just makes the estate planning structure so much more complicated. So for you guys, it should be a pretty straightforward estate plan. There's no hidden when you do come into blended families, there's a lot more structural considerations to be taken into account. So once you guys have that in place, we can look at changing that beneficiary nomination to go in line with whatever's in the will.\n\nBeautiful.\n\nChannel 1: Yep.\n\nChannel 0: Lovely.\n\nChannel 1: No worries at all.\n\nChannel 0: Well, I've got some homework to\n\nChannel 1: You\n\nChannel 0: do.\n\nChannel 1: got there\n\nChannel 0: So\n\nChannel 1: you\n\nChannel 0: once\n\nChannel 1: got there\n\nChannel 0: I\n\nChannel 1: in\n\nChannel 0: get\n\nChannel 1: the end with that late last question. So\n\nChannel 0: it's no easy way to ask that.\n\nChannel 1: I know. Oh, there's some twisted people out there.\n\nChannel 0: I have yep. A 100%. I can I can attest to that as well? Alright. Well, Lee, I've got some homework to do.\n\nI'm gonna send you through an email, and then I'll reissue that fee form and whatnot to you, and we can go from there. But I'd say in about if you've got time now, if we can look forward a couple of weeks, booking in some time to just go through those changes for those investment funds.\n\nChannel 1: Yep.\n\nChannel 0: What about the week beginning the October 12, how are you looking?\n\nChannel 1: Am\n\nChannel 0: Any\n\nChannel 1: I able\n\nChannel 0: availability?\n\nChannel 1: am I because I'm on I'm going on a cal I'm on a week's holiday, and then I'm\n\nChannel 0: Mhmm.\n\nChannel 1: coming back. So what I can do is when I get back, revisit things. So if you wanna\n\nChannel 0: Of course. I can.\n\nChannel 1: give us a bell\n\nChannel 0: Yep.\n\nChannel 1: or something like that even and because preferably after 03:00 here. The reason I say that is because I'm back on day shift for about three weeks, and anything after 03:00 that then should be fine.\n\nChannel 0: Okay. Okay. I do a late on a Thursday, so that will be the fifteenth. So what I might do is put a tentative one in there so no one\n\nChannel 1: Yep.\n\nChannel 0: steals it.\n\nChannel 1: Yep.\n\nChannel 0: And I'll confirm in the email to you that I send later\n\nChannel 1: Good on\n\nChannel 0: today.\n\nChannel 1: you.\n\nChannel 0: Alright. Beautiful. Thanks for your time, Darren. I really do appreciate it,\n\nChannel 1: No worries.\n\nChannel 0: and I\n\nChannel 1: Thank\n\nChannel 0: will\n\nChannel 1: you very\n\nChannel 0: speak\n\nChannel 1: much.\n\nChannel 0: to you soon. Okay.\n\nChannel 1: Good on you. See\n\nChannel 0: Okay.\n\nChannel 1: you. Bye.\n\nChannel 0: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.76,"sentiment":"neutral","sentiment_score":0.025193514302372932},{"text":"Darren speaking.","start":1.76,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.020474523305892944}],"sentiment":"neutral","sentiment_score":0.022047520304719608,"channel":1,"num_words":3,"start":1.28,"end":2.6599998},{"sentences":[{"text":"Hi, Darren.","start":3.1999998,"end":4.0,"sentiment":"neutral","sentiment_score":0.12870141118764877},{"text":"This is Jenniferning here from Oakview Financial.","start":4.0,"end":6.5,"sentiment":"neutral","sentiment_score":0.14576217319284165},{"text":"How are you today?","start":6.56,"end":7.7,"sentiment":"neutral","sentiment_score":0.19917892664670944}],"sentiment":"neutral","sentiment_score":0.15957336471630976,"channel":0,"num_words":13,"start":3.1999998,"end":7.7},{"sentences":[{"text":"Good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.5766541957855225},{"text":"Thanks.","start":8.32,"end":8.82,"sentiment":"positive","sentiment_score":0.6703845262527466}],"sentiment":"positive","sentiment_score":0.6235193610191345,"channel":1,"num_words":2,"start":7.9199996,"end":8.82},{"sentences":[{"text":"That's good.","start":9.679999,"end":10.559999,"sentiment":"positive","sentiment_score":0.6070799231529236},{"text":"Before I go any further, I just do need to let you know that our calls are recorded for quality and coaching purposes.","start":10.559999,"end":15.914999,"sentiment":"neutral","sentiment_score":0.04048765920426534},{"text":"Is that okay?","start":15.914999,"end":16.935,"sentiment":"neutral","sentiment_score":0.047648066033919655},{"text":"And, Darren, can I please ask you to confirm your full name, date of birth, and address,","start":18.755,"end":23.634998,"sentiment":"neutral","sentiment_score":0.02980739327476305}],"sentiment":"neutral","sentiment_score":0.06211213092837069,"channel":0,"num_words":45,"start":9.679999,"end":23.634998},{"sentences":[{"text":"Yep.","start":23.375,"end":23.875,"sentiment":"neutral","sentiment_score":0.021366365253925323}],"sentiment":"neutral","sentiment_score":0.021366365253925323,"channel":1,"num_words":1,"start":23.375,"end":23.875},{"sentences":[{"text":"please?","start":23.634998,"end":24.134998,"sentiment":"neutral","sentiment_score":0.023207897320389748}],"sentiment":"neutral","sentiment_score":0.023207897320389748,"channel":0,"num_words":1,"start":23.634998,"end":24.134998},{"sentences":[{"text":"Darren Turner.","start":24.975,"end":25.935001,"sentiment":"neutral","sentiment_score":0.007264666724950075},{"text":"2671612 Sunwell Street, Bunnell.","start":25.935001,"end":30.17,"sentiment":"neutral","sentiment_score":0.021966625470668077}],"sentiment":"neutral","sentiment_score":0.017065972555428743,"channel":1,"num_words":6,"start":24.975,"end":30.17},{"sentences":[{"text":"Fantastic.","start":32.29,"end":32.79,"sentiment":"positive","sentiment_score":0.5470422506332397},{"text":"Thank you.","start":32.93,"end":33.49,"sentiment":"positive","sentiment_score":0.5561454892158508},{"text":"How are you doing today, Darren?","start":33.49,"end":35.03,"sentiment":"neutral","sentiment_score":0.329109067718188}],"sentiment":"positive","sentiment_score":0.4037764039304521,"channel":0,"num_words":9,"start":32.29,"end":35.03},{"sentences":[{"text":"Good.","start":35.99,"end":36.31,"sentiment":"neutral","sentiment_score":0.3303574025630951},{"text":"Good.","start":36.31,"end":36.81,"sentiment":"positive","sentiment_score":0.34286993741989136}],"sentiment":"positive","sentiment_score":0.3366136699914932,"channel":1,"num_words":2,"start":35.99,"end":36.81},{"sentences":[{"text":"Yes.","start":36.61,"end":37.11,"sentiment":"neutral","sentiment_score":0.28611183166503906},{"text":"That's good.","start":37.33,"end":38.15,"sentiment":"positive","sentiment_score":0.43237103521823883},{"text":"The purpose of my call is just to complete out in your review.","start":38.21,"end":42.21,"sentiment":"neutral","sentiment_score":0.15986909144199812},{"text":"Do you have time to do that now?","start":42.21,"end":44.165,"sentiment":"neutral","sentiment_score":0.0829563238658011}],"sentiment":"neutral","sentiment_score":0.16220011174057922,"channel":0,"num_words":24,"start":36.61,"end":44.165},{"sentences":[{"text":"Yep.","start":44.895,"end":45.395,"sentiment":"neutral","sentiment_score":0.04937342554330826}],"sentiment":"neutral","sentiment_score":0.04937342554330826,"channel":1,"num_words":1,"start":44.895,"end":45.395},{"sentences":[{"text":"Yeah?","start":45.905003,"end":46.385002,"sentiment":"neutral","sentiment_score":0.062416933476924896},{"text":"Oh, fantastic.","start":46.385002,"end":47.205,"sentiment":"neutral","sentiment_score":0.30352049320936203},{"text":"Before I jump into it, what I'd like to do is just check-in and see if there's been any significant changes for you financially or personally that you'd like to focus 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now.","start":507.88498,"end":509.46,"sentiment":"neutral","sentiment_score":0.03489876507471005}],"sentiment":"neutral","sentiment_score":0.03489876507471005,"channel":1,"num_words":6,"start":507.88498,"end":509.46},{"sentences":[{"text":"Oh, okay.","start":509.57,"end":510.21002,"sentiment":"neutral","sentiment_score":0.06536416336894035},{"text":"Yep.","start":510.21002,"end":510.61002,"sentiment":"neutral","sentiment_score":0.08678784221410751},{"text":"That's alright.","start":510.61002,"end":511.335,"sentiment":"neutral","sentiment_score":0.11977867782115936},{"text":"Alright.","start":560.66003,"end":560.98,"sentiment":"neutral","sentiment_score":0.07714172452688217},{"text":"Is that all opened up?","start":560.98,"end":562.54504,"sentiment":"neutral","sentiment_score":0.048023642227053645}],"sentiment":"neutral","sentiment_score":0.0703939509324052,"channel":0,"num_words":11,"start":509.57,"end":562.54504},{"sentences":[{"text":"It's opening up at the moment.","start":563.57495,"end":565.435,"sentiment":"neutral","sentiment_score":-0.0034553431323729455},{"text":"Sorry.","start":567.0,"end":567.5,"sentiment":"neutral","sentiment_score":-0.10563352704048155}],"sentiment":"neutral","sentiment_score":-0.018052226547817036,"channel":1,"num_words":7,"start":563.57495,"end":567.5},{"sentences":[{"text":"No.","start":568.04504,"end":568.525,"sentiment":"neutral","sentiment_score":-0.16051912307739258},{"text":"Please don't apologize.","start":568.525,"end":569.505,"sentiment":"neutral","sentiment_score":-0.20758789281050363},{"text":"Absolutely fine.","start":569.565,"end":570.54504,"sentiment":"neutral","sentiment_score":0.11655065417289734}],"sentiment":"neutral","sentiment_score":-0.0916969155271848,"channel":0,"num_words":6,"start":568.04504,"end":570.54504},{"sentences":[{"text":"Alright.","start":593.54,"end":593.93994,"sentiment":"neutral","sentiment_score":0.14866797626018524},{"text":"So that's come up.","start":593.93994,"end":595.07996,"sentiment":"neutral","sentiment_score":0.22165227681398392}],"sentiment":"neutral","sentiment_score":0.2070554167032242,"channel":1,"num_words":5,"start":593.54,"end":595.07996},{"sentences":[{"text":"Fantastic.","start":595.915,"end":596.415,"sentiment":"positive","sentiment_score":0.6822409629821777},{"text":"So the first document you should see is a summary of your super and insurance.","start":597.035,"end":600.75995,"sentiment":"neutral","sentiment_score":0.29762017329533896}],"sentiment":"neutral","sentiment_score":0.3216589726507664,"channel":0,"num_words":16,"start":595.915,"end":600.75995},{"sentences":[{"text":"Yep.","start":601.45996,"end":601.95996,"sentiment":"neutral","sentiment_score":0.10123493522405624}],"sentiment":"neutral","sentiment_score":0.10123493522405624,"channel":1,"num_words":1,"start":601.45996,"end":601.95996},{"sentences":[{"text":"Is that right?","start":601.62,"end":602.42,"sentiment":"neutral","sentiment_score":0.10312046607335408},{"text":"Yeah?","start":602.42,"end":602.92,"sentiment":"neutral","sentiment_score":0.07655378431081772}],"sentiment":"neutral","sentiment_score":0.09647879563272,"channel":0,"num_words":4,"start":601.62,"end":602.92},{"sentences":[{"text":"Yep.","start":602.57996,"end":603.07996,"sentiment":"neutral","sentiment_score":0.09549858421087264}],"sentiment":"neutral","sentiment_score":0.09549858421087264,"channel":1,"num_words":1,"start":602.57996,"end":603.07996},{"sentences":[{"text":"It's just a very high level overview.","start":603.77997,"end":605.8,"sentiment":"neutral","sentiment_score":0.1674952358007431},{"text":"Your supers with hub twenty four.","start":605.86,"end":607.77997,"sentiment":"neutral","sentiment_score":0.10918901488184929},{"text":"It's sitting at $757,111 rounded up, and you've got your life and TPD insurance sitting at a sum insured of 59,617 thousand each.","start":607.77997,"end":622.185,"sentiment":"neutral","sentiment_score":0.08507962719253871},{"text":"And that premium of $630.88 per annum is taken from your hub twenty four","start":622.405,"end":628.39996,"sentiment":"neutral","sentiment_score":0.02450685203075409}],"sentiment":"neutral","sentiment_score":0.0825505618751049,"channel":0,"num_words":50,"start":603.77997,"end":628.39996},{"sentences":[{"text":"No.","start":629.51,"end":630.01,"sentiment":"neutral","sentiment_score":-0.0602283701300621}],"sentiment":"neutral","sentiment_score":-0.0602283701300621,"channel":1,"num_words":1,"start":629.51,"end":630.01},{"sentences":[{"text":"account.","start":629.69995,"end":630.19995,"sentiment":"neutral","sentiment_score":-0.06316892802715302},{"text":"The next document along is your twelve month performance history with hub twenty four.","start":631.5,"end":639.51996,"sentiment":"neutral","sentiment_score":-0.0071887243539094925},{"text":"The first thing that I am going to draw or first discussion piece I'm gonna draw your attention to is that first one, the Bennelong Strain Equities Fund.","start":639.82,"end":648.065,"sentiment":"neutral","sentiment_score":0.004307027373995099},{"text":"You'll see that it has had an underperforming value.","start":648.925,"end":652.46497,"sentiment":"neutral","sentiment_score":-0.13537884089681837},{"text":"The reason for that and the first the reason for my first point of discussion with this is that, at the moment, all the clients that we're speaking with is we are reviewing the Banna Long Australian Equities Fund within all clients' portfolios, and that's a company wide decision.","start":654.445,"end":671.515,"sentiment":"neutral","sentiment_score":-0.022221643529946402}],"sentiment":"neutral","sentiment_score":-0.023272122807413486,"channel":0,"num_words":101,"start":629.69995,"end":671.515},{"sentences":[{"text":"So the reason being is that Bennelong's investment mandate dictates that they look for undervalued companies within the Australian share market for potential growth opportunities.","start":672.375,"end":684.15497,"sentiment":"neutral","sentiment_score":-0.016700221747159957},{"text":"Now in the last few months, Bennelong has had a turnaround and a kickback, which is great.","start":684.83,"end":690.05,"sentiment":"neutral","sentiment_score":0.24572518993826473},{"text":"But due to the fact that it was a systemic ongoing issue,","start":690.83,"end":694.61,"sentiment":"neutral","sentiment_score":-0.09630898696680863}],"sentiment":"neutral","sentiment_score":0.048224348919811075,"channel":0,"num_words":54,"start":672.375,"end":694.61},{"sentences":[{"text":"Yep.","start":695.645,"end":696.145,"sentiment":"neutral","sentiment_score":-0.03324546292424202}],"sentiment":"neutral","sentiment_score":-0.03324546292424202,"channel":1,"num_words":1,"start":695.645,"end":696.145},{"sentences":[{"text":"we're not comfortable retaining it in client portfolios.","start":695.95,"end":698.635,"sentiment":"negative","sentiment_score":-0.455905195325613},{"text":"We're not reactive to underperformance.","start":699.335,"end":700.875,"sentiment":"neutral","sentiment_score":-0.3135373115539551},{"text":"So if if a fund does underperform, that's expected as part of a portfolio on the way that the market behaves.","start":701.255,"end":712.235,"sentiment":"neutral","sentiment_score":-0.31820225360847654},{"text":"But when it becomes a long term or an ongoing scenario, that's when we look at the the value of holding it within the portfolio.","start":712.98,"end":721.77997,"sentiment":"neutral","sentiment_score":-0.1367359772324562},{"text":"So the company as a company, we've reached the decision that we are not comfortable holding it in client's portfolios, and we do want to look at alternatives that still help you meet your goals and objectives that are retiring at 60 with an income","start":721.77997,"end":736.33496,"sentiment":"neutral","sentiment_score":-0.09184295965565575}],"sentiment":"neutral","sentiment_score":-0.18700488520642886,"channel":0,"num_words":104,"start":695.95,"end":736.33496},{"sentences":[{"text":"Yep.","start":736.17,"end":736.665,"sentiment":"neutral","sentiment_score":-0.008846292272210121}],"sentiment":"neutral","sentiment_score":-0.008846292272210121,"channel":1,"num_words":1,"start":736.17,"end":736.665},{"sentences":[{"text":"of $1,500 per week.","start":736.33496,"end":738.355,"sentiment":"neutral","sentiment_score":-0.02569099178072065},{"text":"But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that.","start":738.77,"end":747.75,"sentiment":"neutral","sentiment_score":0.0788560229120776}],"sentiment":"neutral","sentiment_score":0.06723968794621113,"channel":0,"num_words":36,"start":736.33496,"end":747.75},{"sentences":[{"text":"Yep.","start":748.02496,"end":748.52496,"sentiment":"neutral","sentiment_score":0.08802489936351776}],"sentiment":"neutral","sentiment_score":0.08802489936351776,"channel":1,"num_words":1,"start":748.02496,"end":748.52496},{"sentences":[{"text":"Yeah.","start":749.33,"end":749.83,"sentiment":"neutral","sentiment_score":0.10572917014360428},{"text":"The other one that I'd wanted to review in your portfolio is the third one down.","start":750.45,"end":754.845,"sentiment":"neutral","sentiment_score":0.08533480088226497},{"text":"You'll see that it's the Beta Bank hybrid ETF.","start":754.845,"end":757.665,"sentiment":"neutral","sentiment_score":0.08350787394576603},{"text":"Now there's nothing wrong with that investment itself.","start":758.76495,"end":762.14496,"sentiment":"neutral","sentiment_score":0.06470683123916388},{"text":"It forms part of the defensive allocation of your portfolio.","start":762.20496,"end":765.345,"sentiment":"neutral","sentiment_score":0.10596115291118621}],"sentiment":"neutral","sentiment_score":0.08636188701811162,"channel":0,"num_words":44,"start":749.33,"end":765.345},{"sentences":[{"text":"The reason why I wanna review it is that from January 2027, the Australian banking system is phasing out hybrids.","start":766.33,"end":775.39,"sentiment":"neutral","sentiment_score":-0.10970994904637336},{"text":"So that means that those investments will no longer be available.","start":775.93,"end":778.91,"sentiment":"neutral","sentiment_score":-0.23024279150095853},{"text":"I don't know what it looks like come January 2027.","start":779.37,"end":783.115,"sentiment":"neutral","sentiment_score":-0.2732760772109032},{"text":"So the clients that I'm working with, I'm taking a proactive approach to act now because I just don't know what the future holds in relation to what's what the banks are gonna offer as a replacement for those investments.","start":783.415,"end":797.02,"sentiment":"neutral","sentiment_score":-0.1131666251749266},{"text":"So if you're comfortable with that, I would also look at I'd like to take a look at potential alternative.","start":798.12,"end":804.62,"sentiment":"neutral","sentiment_score":0.11599739473313093}],"sentiment":"neutral","sentiment_score":-0.095706411602787,"channel":0,"num_words":101,"start":766.33,"end":804.62},{"sentences":[{"text":"And which one was that one?","start":805.25,"end":806.45,"sentiment":"neutral","sentiment_score":0.01550536851088206},{"text":"Sorry.","start":806.45,"end":806.95,"sentiment":"neutral","sentiment_score":-0.031209003180265427}],"sentiment":"neutral","sentiment_score":0.008831886840718133,"channel":1,"num_words":7,"start":805.25,"end":806.95},{"sentences":[{"text":"The third one down, the beta bank hybrid ETF.","start":807.48,"end":811.085,"sentiment":"neutral","sentiment_score":0.003542657217217816},{"text":"So at the moment, you have approximately 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doing well because I just don't know what the next few months hold.","start":835.52496,"end":842.90497,"sentiment":"neutral","sentiment_score":0.040357194289013194},{"text":"Is that okay","start":845.52496,"end":846.325,"sentiment":"neutral","sentiment_score":0.07129573325316112}],"sentiment":"neutral","sentiment_score":0.043451048185427985,"channel":0,"num_words":30,"start":835.52496,"end":846.325},{"sentences":[{"text":"Yep.","start":846.175,"end":846.655,"sentiment":"neutral","sentiment_score":0.06836594641208649}],"sentiment":"neutral","sentiment_score":0.06836594641208649,"channel":1,"num_words":1,"start":846.175,"end":846.655},{"sentences":[{"text":"with you?","start":846.325,"end":847.065,"sentiment":"neutral","sentiment_score":0.04452125541865826}],"sentiment":"neutral","sentiment_score":0.04452125541865826,"channel":0,"num_words":2,"start":846.325,"end":847.065},{"sentences":[{"text":"Yep.","start":846.655,"end":847.135,"sentiment":"neutral","sentiment_score":0.06362849473953247},{"text":"Yep.","start":847.135,"end":847.455,"sentiment":"neutral","sentiment_score":0.08648821711540222}],"sentiment":"neutral","sentiment_score":0.07505835592746735,"channel":1,"num_words":2,"start":846.655,"end":847.455},{"sentences":[{"text":"Yeah.","start":847.285,"end":847.785,"sentiment":"neutral","sentiment_score":0.14262577891349792}],"sentiment":"neutral","sentiment_score":0.14262577891349792,"channel":0,"num_words":1,"start":847.285,"end":847.785},{"sentences":[{"text":"That's","start":847.455,"end":847.855,"sentiment":"neutral","sentiment_score":0.20110653340816495}],"sentiment":"neutral","sentiment_score":0.20110653340816495,"channel":1,"num_words":1,"start":847.455,"end":847.855},{"sentences":[{"text":"Okay.","start":847.845,"end":848.345,"sentiment":"neutral","sentiment_score":0.25202274322509766}],"sentiment":"neutral","sentiment_score":0.25202274322509766,"channel":0,"num_words":1,"start":847.845,"end":848.345},{"sentences":[{"text":"fine.","start":847.855,"end":848.25,"sentiment":"positive","sentiment_score":0.38122403621673584}],"sentiment":"positive","sentiment_score":0.38122403621673584,"channel":1,"num_words":1,"start":847.855,"end":848.25},{"sentences":[{"text":"Fantastic.","start":848.96497,"end":849.46497,"sentiment":"positive","sentiment_score":0.748242974281311},{"text":"That's","start":850.245,"end":850.59,"sentiment":"positive","sentiment_score":0.6058951020240784}],"sentiment":"positive","sentiment_score":0.6770690381526947,"channel":0,"num_words":2,"start":848.96497,"end":850.59},{"sentences":[{"text":"I'm actually I'm happy for you to be reviewing these because","start":850.73,"end":853.71,"sentiment":"positive","sentiment_score":0.6162994016300548}],"sentiment":"positive","sentiment_score":0.6162994016300548,"channel":1,"num_words":11,"start":850.73,"end":853.71},{"sentences":[{"text":"yep.","start":854.43005,"end":854.93005,"sentiment":"positive","sentiment_score":0.4101402461528778}],"sentiment":"positive","sentiment_score":0.4101402461528778,"channel":0,"num_words":1,"start":854.43005,"end":854.93005},{"sentences":[{"text":"as you would well know,","start":854.57,"end":855.95,"sentiment":"neutral","sentiment_score":0.05778646767139435}],"sentiment":"neutral","sentiment_score":0.05778646767139435,"channel":1,"num_words":5,"start":854.57,"end":855.95},{"sentences":[{"text":"Mhmm.","start":856.67004,"end":857.17004,"sentiment":"neutral","sentiment_score":0.04282768443226814}],"sentiment":"neutral","sentiment_score":0.04282768443226814,"channel":0,"num_words":1,"start":856.67004,"end":857.17004},{"sentences":[{"text":"the superannuation hasn't been really high growth in the last twelve months.","start":856.81,"end":860.835,"sentiment":"neutral","sentiment_score":-0.11762676667422056}],"sentiment":"neutral","sentiment_score":-0.11762676667422056,"channel":1,"num_words":12,"start":856.81,"end":860.835},{"sentences":[{"text":"No.","start":861.95,"end":862.27,"sentiment":"neutral","sentiment_score":-0.13410569727420807},{"text":"So and that's due to the Bennelong Fund.","start":862.27,"end":865.565,"sentiment":"neutral","sentiment_score":-0.07523186504840851},{"text":"So the overall performance of your portfolio has been impacted by that Bennelong Fund, the one at the top.","start":865.70496,"end":871.64496,"sentiment":"neutral","sentiment_score":-0.11492326228242171},{"text":"The you so the internal rate of return even with Bennelong for the last twelve months has been 5%.","start":873.46497,"end":879.95,"sentiment":"neutral","sentiment_score":0.0143535696950398},{"text":"If I look at your projected out internal next twelve months, it's gonna be significantly higher.","start":880.57,"end":887.79004,"sentiment":"neutral","sentiment_score":-0.07839003344997764}],"sentiment":"neutral","sentiment_score":-0.06192103669875198,"channel":0,"num_words":63,"start":861.95,"end":887.79004},{"sentences":[{"text":"But that's that's why we wanna look at even even as I mentioned before, Bennelong has turned around and they are now not underperforming.","start":888.57,"end":896.565,"sentiment":"neutral","sentiment_score":0.018985616305144504},{"text":"It's not something that we're willing to risk keeping in a portfolio for our clients moving forward.","start":897.185,"end":903.765,"sentiment":"neutral","sentiment_score":-0.1391741642180611}],"sentiment":"neutral","sentiment_score":-0.04659282927764807,"channel":0,"num_words":41,"start":888.57,"end":903.765},{"sentences":[{"text":"Yep.","start":904.22003,"end":904.72003,"sentiment":"neutral","sentiment_score":0.07808884233236313}],"sentiment":"neutral","sentiment_score":0.07808884233236313,"channel":1,"num_words":1,"start":904.22003,"end":904.72003},{"sentences":[{"text":"So in relation to your portfolio, and then I guess another consideration we need to make is or discuss is that you are invested as a growth investor.","start":905.105,"end":916.25,"sentiment":"neutral","sentiment_score":0.048657160717993975},{"text":"So what that means is that we would typically see 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sitting there growing, producing income, doing both while your defensive assets is producing more of an income to top up that bucket to fund your income need of $1,500 per week.","start":973.21,"end":987.005,"sentiment":"neutral","sentiment_score":0.14741204398356983},{"text":"So we don't need to look at probably changing any of that allocation now.","start":987.305,"end":992.025,"sentiment":"neutral","sentiment_score":-0.08782166215990271}],"sentiment":"neutral","sentiment_score":0.071030565250535,"channel":0,"num_words":86,"start":959.77496,"end":992.025},{"sentences":[{"text":"You're still five years out.","start":992.025,"end":993.645,"sentiment":"neutral","sentiment_score":-0.04174535013735294},{"text":"But I would say within the next maybe the next review, we'd start looking at getting closer to it.","start":993.945,"end":999.16,"sentiment":"neutral","sentiment_score":-0.02062836034517539},{"text":"But definitely by three years out, I would want to start looking at reducing well, increasing a little bit more of your assets to defensive or just to start building that cash reserve for impending retirement.","start":999.16,"end":1013.585,"sentiment":"neutral","sentiment_score":0.018626318934063118},{"text":"Does that 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rest of your portfolio is actually doing quite well.","start":1019.005,"end":1023.2,"sentiment":"positive","sentiment_score":0.7174376606941223},{"text":"You're got a lot of diversification.","start":1023.26,"end":1025.04,"sentiment":"positive","sentiment_score":0.6400137941042582},{"text":"They get in there.","start":1025.42,"end":1026.3,"sentiment":"positive","sentiment_score":0.4698915258049965}],"sentiment":"positive","sentiment_score":0.6391438408331438,"channel":0,"num_words":22,"start":1016.525,"end":1026.3},{"sentences":[{"text":"You've got some niche markets being your global agriculture, your global cyber, and some physical gold along with the the iShares S and P 500, so you're American for US exposure.","start":1026.3,"end":1040.515,"sentiment":"positive","sentiment_score":0.35684291201253093},{"text":"And you also have the Australian fixed interest in there, which is the nice defensive portion as 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at the moment","start":1067.995,"end":1077.935,"sentiment":"neutral","sentiment_score":-0.012674297464804517}],"sentiment":"neutral","sentiment_score":-0.0018000368117576553,"channel":1,"num_words":21,"start":1066.875,"end":1077.935},{"sentences":[{"text":"Mhmm.","start":1078.895,"end":1079.19,"sentiment":"neutral","sentiment_score":0.002757214242592454}],"sentiment":"neutral","sentiment_score":0.002757214242592454,"channel":0,"num_words":1,"start":1078.895,"end":1079.19},{"sentences":[{"text":"as a as a yearly 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out.","start":1088.5499,"end":1091.2899,"sentiment":"neutral","sentiment_score":0.02127099803394892},{"text":"So","start":1091.6699,"end":1092.1699,"sentiment":"neutral","sentiment_score":0.015556180849671364}],"sentiment":"neutral","sentiment_score":0.012428185656009352,"channel":0,"num_words":17,"start":1087.19,"end":1092.1699},{"sentences":[{"text":"Yep.","start":1091.73,"end":1092.23,"sentiment":"neutral","sentiment_score":0.01518634520471096}],"sentiment":"neutral","sentiment_score":0.01518634520471096,"channel":1,"num_words":1,"start":1091.73,"end":1092.23},{"sentences":[{"text":"you had drawing on 1,500.","start":1093.745,"end":1095.985,"sentiment":"neutral","sentiment_score":-0.0003653738647699356},{"text":"I guess that's another question I wanted to ask.","start":1095.985,"end":1098.245,"sentiment":"neutral","sentiment_score":-0.006082625542249944},{"text":"Cassandra.","start":1098.625,"end":1099.125,"sentiment":"neutral","sentiment_score":-0.006617123261094093},{"text":"How old Cassandra?","start":1099.345,"end":1100.325,"sentiment":"neutral","sentiment_score":-0.011888743999103705}],"sentiment":"neutral","sentiment_score":-0.005491880803472466,"channel":0,"num_words":18,"start":1093.745,"end":1100.325},{"sentences":[{"text":"She's 51.","start":1102.035,"end":1103.975,"sentiment":"neutral","sentiment_score":-0.0030204891227185726}],"sentiment":"neutral","sentiment_score":-0.0030204891227185726,"channel":1,"num_words":2,"start":1102.035,"end":1103.975},{"sentences":[{"text":"Yep.","start":1104.705,"end":1105.105,"sentiment":"neutral","sentiment_score":0.009410095401108263},{"text":"Okay.","start":1105.105,"end":1105.605,"sentiment":"neutral","sentiment_score":0.011377970688045023},{"text":"And that's $1,500.","start":1105.78,"end":1107.62,"sentiment":"neutral","sentiment_score":0.009937191226830086},{"text":"Is that for you only or for you combined?","start":1107.62,"end":1111.48,"sentiment":"neutral","sentiment_score":-0.0013811692802442445},{"text":"Does Cassandra plan on retiring when you are 60?","start":1111.62,"end":1114.36,"sentiment":"neutral","sentiment_score":-0.019385534442133374}],"sentiment":"neutral","sentiment_score":-0.005926117118771957,"channel":0,"num_words":23,"start":1104.705,"end":1114.36},{"sentences":[{"text":"Really haven't spoke about it, to be honest.","start":1118.62,"end":1120.5599,"sentiment":"neutral","sentiment_score":-0.1875485023483634}],"sentiment":"neutral","sentiment_score":-0.1875485023483634,"channel":1,"num_words":8,"start":1118.62,"end":1120.5599},{"sentences":[{"text":"Yeah.","start":1121.14,"end":1121.385,"sentiment":"neutral","sentiment_score":-0.024295948445796967}],"sentiment":"neutral","sentiment_score":-0.024295948445796967,"channel":0,"num_words":1,"start":1121.14,"end":1121.385},{"sentences":[{"text":"I 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sure.","start":1128.495,"end":1129.3949,"sentiment":"neutral","sentiment_score":-0.1578898827234904}],"sentiment":"neutral","sentiment_score":-0.15011014475634224,"channel":1,"num_words":19,"start":1121.9349,"end":1129.3949},{"sentences":[{"text":"that yeah.","start":1129.465,"end":1130.605,"sentiment":"neutral","sentiment_score":-0.09167425706982613},{"text":"So I think probably there's a couple of factors in there that we need to really consider because Cassandra, depending on what her superannuation balance is, and if she can't access her till 60, so she's behind you.","start":1130.745,"end":1147.8099,"sentiment":"neutral","sentiment_score":-0.11442805003178746},{"text":"So in relation to that, if she was to retire when you were 60, is that $1,500 for you both, or is it gonna need to be more?","start":1147.87,"end":1156.555,"sentiment":"neutral","sentiment_score":-0.03621039832276957},{"text":"Because we may need to supplement it from your superannuation until Cassandra reaches the age of 60, whereas then we'd look at reducing your drawdown and increasing Cassandra's.","start":1156.555,"end":1168.8999,"sentiment":"neutral","sentiment_score":0.04292610929613667},{"text":"So there's a couple of factors there for retirement for us to consider on how you both want to or how you you see it occurring.","start":1169.2799,"end":1183.395,"sentiment":"neutral","sentiment_score":0.22260396039256683}],"sentiment":"neutral","sentiment_score":0.011837118541913444,"channel":0,"num_words":122,"start":1129.465,"end":1183.395},{"sentences":[{"text":"Because it for me to be able to model it out, I can definitely model it out on $1,500 a week, $8.60 for you.","start":1183.455,"end":1190.71,"sentiment":"positive","sentiment_score":0.5941670164465904},{"text":"It doesn't take into account the other factors that I just from a holistic point of view, what, as a family, what you and Cassandra wanna 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'9.","start":1363.255,"end":1364.055,"sentiment":"neutral","sentiment_score":-0.006423561571864411},{"text":"Yep.","start":1364.055,"end":1364.455,"sentiment":"neutral","sentiment_score":0.0396808348596096},{"text":"Yep.","start":1364.455,"end":1364.935,"sentiment":"neutral","sentiment_score":0.04782779514789581},{"text":"So","start":1364.935,"end":1365.095,"sentiment":"neutral","sentiment_score":0.047605473548173904}],"sentiment":"neutral","sentiment_score":0.015631408181174526,"channel":0,"num_words":7,"start":1363.255,"end":1365.095},{"sentences":[{"text":"yeah.","start":1364.98,"end":1365.48,"sentiment":"neutral","sentiment_score":0.06350655853748322}],"sentiment":"neutral","sentiment_score":0.06350655853748322,"channel":1,"num_words":1,"start":1364.98,"end":1365.48},{"sentences":[{"text":"that's our advice fee.","start":1365.095,"end":1366.615,"sentiment":"neutral","sentiment_score":0.07799666374921799},{"text":"That's 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if","start":1720.43,"end":1727.5549,"sentiment":"neutral","sentiment_score":0.027699055848643184}],"sentiment":"neutral","sentiment_score":0.015109580402311525,"channel":0,"num_words":19,"start":1718.51,"end":1727.5549},{"sentences":[{"text":"Yep.","start":1727.4751,"end":1727.9751,"sentiment":"neutral","sentiment_score":0.0682351142168045}],"sentiment":"neutral","sentiment_score":0.0682351142168045,"channel":1,"num_words":1,"start":1727.4751,"end":1727.9751},{"sentences":[{"text":"we expected a $100 on top of that in gross and income, so the two combined, we'd be looking at somewhat of a return of 14% to get that figure.","start":1727.5549,"end":1740.23,"sentiment":"neutral","sentiment_score":0.0829184881101052},{"text":"You know, the last few years have been fruitful for a lot of us, especially post COVID.","start":1740.69,"end":1749.75,"sentiment":"neutral","sentiment_score":0.32727251245695},{"text":"Markets really did and even in COVID, the recovery, markets really did do great 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that you're maintaining this cover?","start":2070.6702,"end":2078.53,"sentiment":"neutral","sentiment_score":-0.07914044009521604}],"sentiment":"neutral","sentiment_score":-0.07193213901141794,"channel":0,"num_words":41,"start":2057.615,"end":2078.53},{"sentences":[{"text":"Basically, it's to well, to be honest, I'm just about to buy a new probably buy a new 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looking at","start":2102.07,"end":2105.27,"sentiment":"neutral","sentiment_score":-0.005582468185041632}],"sentiment":"neutral","sentiment_score":-0.005582468185041632,"channel":1,"num_words":7,"start":2102.07,"end":2105.27},{"sentences":[{"text":"Yep.","start":2105.08,"end":2105.58,"sentiment":"neutral","sentiment_score":0.0033497761469334364}],"sentiment":"neutral","sentiment_score":0.0033497761469334364,"channel":0,"num_words":1,"start":2105.08,"end":2105.58},{"sentences":[{"text":"probably about $30.","start":2105.27,"end":2106.6501,"sentiment":"neutral","sentiment_score":0.007673133785525958}],"sentiment":"neutral","sentiment_score":0.007673133785525958,"channel":1,"num_words":3,"start":2105.27,"end":2106.6501},{"sentences":[{"text":"Yep.","start":2107.4,"end":2107.65,"sentiment":"neutral","sentiment_score":0.041378241032361984},{"text":"Yep.","start":2107.65,"end":2108.15,"sentiment":"neutral","sentiment_score":0.050883322954177856}],"sentiment":"neutral","sentiment_score":0.04613078199326992,"channel":0,"num_words":2,"start":2107.4,"end":2108.15},{"sentences":[{"text":"So that'll give me some and then on top","start":2108.23,"end":2112.31,"sentiment":"neutral","sentiment_score":0.045262138876650065}],"sentiment":"neutral","sentiment_score":0.045262138876650065,"channel":1,"num_words":9,"start":2108.23,"end":2112.31},{"sentences":[{"text":"Absolutely.","start":2112.075,"end":2112.575,"sentiment":"neutral","sentiment_score":0.09984803944826126}],"sentiment":"neutral","sentiment_score":0.09984803944826126,"channel":0,"num_words":1,"start":2112.075,"end":2112.575},{"sentences":[{"text":"of that, it's also it's also just to maybe pay help pay some of the things off.","start":2112.31,"end":2121.985,"sentiment":"neutral","sentiment_score":0.0297401114640867}],"sentiment":"neutral","sentiment_score":0.0297401114640867,"channel":1,"num_words":17,"start":2112.31,"end":2121.985},{"sentences":[{"text":"Yep.","start":2122.7148,"end":2123.115,"sentiment":"neutral","sentiment_score":0.06966304033994675},{"text":"I completely understand.","start":2123.115,"end":2124.49,"sentiment":"neutral","sentiment_score":0.11255149791638057},{"text":"Just wanted to touch base and check-in on that.","start":2124.49,"end":2126.9102,"sentiment":"neutral","sentiment_score":0.061059921979904175},{"text":"There is always usually a reason why somebody wants to maintain that cover, and that is absolutely fine.","start":2127.29,"end":2133.55,"sentiment":"neutral","sentiment_score":0.045033684828215174},{"text":"I just wanted to check and make sure that","start":2133.6902,"end":2135.87,"sentiment":"neutral","sentiment_score":0.026357184681627486}],"sentiment":"neutral","sentiment_score":0.05011694552376866,"channel":0,"num_words":40,"start":2122.7148,"end":2135.87},{"sentences":[{"text":"Well, I actually found out the other day that you can only receive one life insurance.","start":2136.53,"end":2141.67,"sentiment":"neutral","sentiment_score":-0.05672632437199354},{"text":"I was not aware of that until recently, but","start":2144.125,"end":2146.545,"sentiment":"neutral","sentiment_score":-0.0728808989127477}],"sentiment":"neutral","sentiment_score":-0.06254197120666503,"channel":1,"num_words":25,"start":2136.53,"end":2146.545},{"sentences":[{"text":"it depends.","start":2147.805,"end":2148.625,"sentiment":"neutral","sentiment_score":-0.06843313947319984},{"text":"So the cover you have here is what we call underwritten cover.","start":2150.64,"end":2155.1199,"sentiment":"neutral","sentiment_score":-0.02247965910161535},{"text":"So when you applied for this cover with Clearview, there would have been a question on the application form that says, do you hold any other life TPD cover?","start":2155.1199,"end":2165.5051,"sentiment":"neutral","sentiment_score":-0.017707253645720154},{"text":"If you didn't if you didn't at that point in time, that's absolutely fine.","start":2166.125,"end":2170.705,"sentiment":"neutral","sentiment_score":0.1418925247022084},{"text":"You are able to 100% have multiple life covers.","start":2171.725,"end":2175.81,"sentiment":"positive","sentiment_score":0.4630318648285336}],"sentiment":"neutral","sentiment_score":0.07929772099084927,"channel":0,"num_words":66,"start":2147.805,"end":2175.81},{"sentences":[{"text":"But with underwritten cover, it needs to be taken into consideration by the underwriters.","start":2177.73,"end":2183.11,"sentiment":"neutral","sentiment_score":-0.004831963617886815},{"text":"So given your low levels of cover, it's it was it'd be unlikely to be an issue.","start":2183.25,"end":2187.6702,"sentiment":"neutral","sentiment_score":-0.07552727914470084},{"text":"But, typically, if you held, for example, an industry fund, so if you have let's call it what's one of the most common ones?","start":2189.535,"end":2200.355,"sentiment":"neutral","sentiment_score":0.018598106456920505},{"text":"Q super, for example, and you have a life insurance policy in there that's group cover, they would look at that, the insurers, and one and say, see if the need was there to pay out.","start":2202.1602,"end":2216.9849,"sentiment":"neutral","sentiment_score":-0.0152876298104982},{"text":"So you can have more than one.","start":2216.9849,"end":2218.825,"sentiment":"neutral","sentiment_score":0.054409626339163096}],"sentiment":"neutral","sentiment_score":-0.010966775203551337,"channel":0,"num_words":98,"start":2177.73,"end":2218.825},{"sentences":[{"text":"It just depends what your what type you're talking about and whether","start":2218.825,"end":2226.9849,"sentiment":"neutral","sentiment_score":-0.007115178120632966}],"sentiment":"neutral","sentiment_score":-0.007115178120632966,"channel":0,"num_words":12,"start":2218.825,"end":2226.9849},{"sentences":[{"text":"because","start":2226.775,"end":2227.275,"sentiment":"neutral","sentiment_score":0.014652185142040253}],"sentiment":"neutral","sentiment_score":0.014652185142040253,"channel":1,"num_words":1,"start":2226.775,"end":2227.275},{"sentences":[{"text":"it had 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plum.","start":2231.335,"end":2233.515,"sentiment":"neutral","sentiment_score":0.03128458772386823},{"text":"Got a life insurance for them.","start":2234.695,"end":2236.395,"sentiment":"neutral","sentiment_score":-0.0007769266764322916},{"text":"I don't know what the amount is for that.","start":2236.775,"end":2239.035,"sentiment":"neutral","sentiment_score":-0.061980518201986946},{"text":"And then on top of that, I think with I'm with the ATU as well.","start":2239.98,"end":2245.58,"sentiment":"neutral","sentiment_score":0.0031110822533567746}],"sentiment":"neutral","sentiment_score":0.010684803953732957,"channel":1,"num_words":44,"start":2229.895,"end":2245.58},{"sentences":[{"text":"So I'm not sure if I through that, I get life insurance as 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plumbing.","start":2255.135,"end":2255.855,"sentiment":"neutral","sentiment_score":-0.0344696044921875},{"text":"Yes.","start":2255.855,"end":2256.355,"sentiment":"neutral","sentiment_score":0.0002644425258040428}],"sentiment":"neutral","sentiment_score":-0.02289158881952365,"channel":1,"num_words":3,"start":2255.135,"end":2256.355},{"sentences":[{"text":"Yeah.","start":2257.0999,"end":2257.5999,"sentiment":"neutral","sentiment_score":0.0008668974041938782},{"text":"Okay.","start":2259.8198,"end":2260.3198,"sentiment":"neutral","sentiment_score":-0.0015334710478782654},{"text":"And the ETU, what what is that?","start":2260.46,"end":2262.22,"sentiment":"neutral","sentiment_score":-0.025230375916830132},{"text":"Sorry?","start":2262.22,"end":2262.72,"sentiment":"neutral","sentiment_score":-0.05565197765827179}],"sentiment":"neutral","sentiment_score":-0.02329311827197671,"channel":0,"num_words":10,"start":2257.0999,"end":2262.72},{"sentences":[{"text":"The literal trade 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a life insurance policy that you have here or external.","start":2280.345,"end":2282.295,"sentiment":"neutral","sentiment_score":-0.11035271584987641},{"text":"That","start":2292.37,"end":2292.87,"sentiment":"neutral","sentiment_score":0.05403316393494606}],"sentiment":"neutral","sentiment_score":-0.11811722442507744,"channel":0,"num_words":29,"start":2273.945,"end":2292.87},{"sentences":[{"text":"They they do do super fun, yes.","start":2294.125,"end":2296.47,"sentiment":"positive","sentiment_score":0.42086597851344515}],"sentiment":"positive","sentiment_score":0.42086597851344515,"channel":1,"num_words":7,"start":2294.125,"end":2296.47},{"sentences":[{"text":"I would need to probably have a look at that a little bit further just to see.","start":2299.955,"end":2303.715,"sentiment":"neutral","sentiment_score":0.013174653929822585},{"text":"I don't think there'd be any significant 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an adviser for Oakview, but I've only just","start":2396.0698,"end":2398.47,"sentiment":"neutral","sentiment_score":-0.05627890469299422}],"sentiment":"neutral","sentiment_score":-0.05627890469299422,"channel":0,"num_words":9,"start":2396.0698,"end":2398.47},{"sentences":[{"text":"Yep.","start":2398.25,"end":2398.75,"sentiment":"neutral","sentiment_score":-0.025698404759168625}],"sentiment":"neutral","sentiment_score":-0.025698404759168625,"channel":1,"num_words":1,"start":2398.25,"end":2398.75},{"sentences":[{"text":"started with Oakview in the last few months.","start":2398.47,"end":2400.79,"sentiment":"neutral","sentiment_score":-0.011761378031224012},{"text":"But I have been an adviser for, I would say, about fifteen years.","start":2400.79,"end":2406.01,"sentiment":"neutral","sentiment_score":0.033539499514378034},{"text":"So I've I've, you know, I've I've got some experience under my belt to work with you, so don't 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you.","start":2421.0552,"end":2421.7952,"sentiment":"positive","sentiment_score":0.4594484269618988},{"text":"The next document in that after the FSG, we'll call it, is the fee document, which looks like it hasn't been completed correctly.","start":2425.45,"end":2438.885,"sentiment":"neutral","sentiment_score":-0.01509655866286029}],"sentiment":"neutral","sentiment_score":0.03994778399505923,"channel":0,"num_words":31,"start":2418.735,"end":2438.885},{"sentences":[{"text":"If I'm looking at that, I'm gonna have to get that reissued to you because I don't know what the fee is.","start":2439.0251,"end":2445.5251,"sentiment":"neutral","sentiment_score":-0.11396272243423895},{"text":"So it's it will be a fixed rate for it a fixed rate fee.","start":2445.745,"end":2451.06,"sentiment":"neutral","sentiment_score":-0.0386458918718355},{"text":"So you'll you said earlier, the 1.65%.","start":2451.54,"end":2456.52,"sentiment":"neutral","sentiment_score":0.004107762893129673},{"text":"What 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variance.","start":2504.475,"end":2505.915,"sentiment":"neutral","sentiment_score":0.24966496229171753}],"sentiment":"neutral","sentiment_score":0.21072409124395183,"channel":0,"num_words":43,"start":2490.0,"end":2505.915},{"sentences":[{"text":"So each twelve months, you'll know what your fee is gonna be","start":2505.915,"end":2509.535,"sentiment":"neutral","sentiment_score":0.31110335638125736}],"sentiment":"neutral","sentiment_score":0.31110335638125736,"channel":0,"num_words":12,"start":2505.915,"end":2509.535},{"sentences":[{"text":"Yep.","start":2510.05,"end":2510.535,"sentiment":"neutral","sentiment_score":0.23181991279125216}],"sentiment":"neutral","sentiment_score":0.23181991279125216,"channel":1,"num_words":1,"start":2510.05,"end":2510.535},{"sentences":[{"text":"when you sign off on 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coming.","start":2557.465,"end":2572.14,"sentiment":"neutral","sentiment_score":0.23532690307716045},{"text":"So, basically, with the the fee form and the tax file number form, I'll need your signature on.","start":2572.14,"end":2578.48,"sentiment":"neutral","sentiment_score":0.16017720765537685},{"text":"What the fees cover, again, is your review.","start":2578.62,"end":2581.52,"sentiment":"neutral","sentiment_score":0.1553303636610508},{"text":"But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out.","start":2581.66,"end":2588.715,"sentiment":"neutral","sentiment_score":0.011900891465219584},{"text":"So let's say, for example, in six months' time, you know, after the Christmas break, you and Cassandra have had a chance to sit down and have a chat about what retirement looks like, and you've got a better picture of it, 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they don't meet the definition of a financial dependent.","start":2686.3801,"end":2690.24,"sentiment":"neutral","sentiment_score":-0.07474868446588516},{"text":"So once a child reaches 18, they're no longer considered dependent under the superannuation and the tax laws.","start":2690.78,"end":2700.3948,"sentiment":"neutral","sentiment_score":-0.04209495604866081},{"text":"So what happens is is 15% is taxed of the amount they receive, then plus 2% for Medicare.","start":2701.8948,"end":2709.54,"sentiment":"neutral","sentiment_score":-0.007727824461956819}],"sentiment":"neutral","sentiment_score":-0.03543188741120199,"channel":0,"num_words":48,"start":2685.02,"end":2709.54},{"sentences":[{"text":"So what we look at doing is we always review beneficiaries based on that because 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the additional 2% for Medicare.","start":2722.1,"end":2751.23,"sentiment":"neutral","sentiment_score":0.0012819954017932352},{"text":"So there's probably that's more information for you to consider to tell me what you want me to do with that.","start":2751.855,"end":2760.595,"sentiment":"neutral","sentiment_score":-0.09437908977270126}],"sentiment":"neutral","sentiment_score":-0.02056772495638959,"channel":0,"num_words":98,"start":2717.46,"end":2760.595},{"sentences":[{"text":"Because you also raised another another question too.","start":2762.7698,"end":2765.8298,"sentiment":"neutral","sentiment_score":-0.1592814652249217},{"text":"I don't have a 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you.","start":2886.01,"end":2888.03,"sentiment":"neutral","sentiment_score":0.06000787252560258},{"text":"Now","start":2888.09,"end":2888.59,"sentiment":"neutral","sentiment_score":-0.019061390310525898}],"sentiment":"neutral","sentiment_score":0.05122239887714386,"channel":0,"num_words":9,"start":2886.01,"end":2888.59},{"sentences":[{"text":"Yep.","start":2888.435,"end":2888.935,"sentiment":"neutral","sentiment_score":-0.03316646069288254}],"sentiment":"neutral","sentiment_score":-0.03316646069288254,"channel":1,"num_words":1,"start":2888.435,"end":2888.935},{"sentences":[{"text":"a lot of people assume your husband and wife are automatically that person.","start":2889.85,"end":2894.185,"sentiment":"neutral","sentiment_score":-0.1439930429825416},{"text":"That's not the case.","start":2894.485,"end":2895.625,"sentiment":"neutral","sentiment_score":-0.2874463386833668},{"text":"Say, for example, if Cassandra phones us and something had happened to you and you're in hospital and unable to give us any direction, Without that document, we'd be unable to help Cassandra with anything in relation to your super insurance.","start":2897.0452,"end":2913.65,"sentiment":"neutral","sentiment_score":-0.22789067756838916},{"text":"So that document is extremely important.","start":2915.5498,"end":2919.01,"sentiment":"neutral","sentiment_score":-0.15697550773620605},{"text":"Same with if you had individual investments in your own name or an individual bank account or even if the the property was in your name and the loan, she would be limited in accessing any of that and and vice versa.","start":2920.635,"end":2934.95,"sentiment":"neutral","sentiment_score":-0.14525921217032842}],"sentiment":"neutral","sentiment_score":-0.18309389293756126,"channel":0,"num_words":106,"start":2889.85,"end":2934.95},{"sentences":[{"text":"So you wouldn't be able to access anything on Cassandra's behalf should you need to if that situation arose.","start":2935.1702,"end":2941.33,"sentiment":"neutral","sentiment_score":-0.24610619639095507},{"text":"So those two documents go hand in hand, are really, really important.","start":2941.33,"end":2945.095,"sentiment":"neutral","sentiment_score":0.19380484148859978},{"text":"One's basically a living will, if you think about it like that, and the other one is the will for your estate after passing.","start":2945.3948,"end":2953.095,"sentiment":"neutral","sentiment_score":0.11001280617589752}],"sentiment":"neutral","sentiment_score":0.005271776630119844,"channel":0,"num_words":55,"start":2935.1702,"end":2953.095},{"sentences":[{"text":"Right.","start":2954.5,"end":2955.0,"sentiment":"neutral","sentiment_score":0.24010854959487915}],"sentiment":"neutral","sentiment_score":0.24010854959487915,"channel":1,"num_words":1,"start":2954.5,"end":2955.0},{"sentences":[{"text":"So they both go hand in hand as equally as 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do.","start":3162.15,"end":3164.07,"sentiment":"neutral","sentiment_score":0.05297011882066727}],"sentiment":"neutral","sentiment_score":0.022863290556099102,"channel":0,"num_words":23,"start":3157.5051,"end":3164.07},{"sentences":[{"text":"I'm gonna send you through an email, and then I'll reissue that fee form and whatnot to you, and we can go from there.","start":3164.07,"end":3173.11,"sentiment":"neutral","sentiment_score":0.08341264631599188},{"text":"But I'd say in about if you've got time now, if we can look forward a couple of weeks, booking in some time to just go through those changes for those investment funds.","start":3173.11,"end":3186.685,"sentiment":"neutral","sentiment_score":0.1940970773046667}],"sentiment":"neutral","sentiment_score":0.14749310636206678,"channel":0,"num_words":57,"start":3164.07,"end":3186.685},{"sentences":[{"text":"Yep.","start":3187.475,"end":3187.975,"sentiment":"neutral","sentiment_score":0.05776803195476532}],"sentiment":"neutral","sentiment_score":0.05776803195476532,"channel":1,"num_words":1,"start":3187.475,"end":3187.975},{"sentences":[{"text":"What about the week beginning the October 12, how are you looking?","start":3189.15,"end":3195.65,"sentiment":"neutral","sentiment_score":0.09188903588801622}],"sentiment":"neutral","sentiment_score":0.09188903588801622,"channel":0,"num_words":12,"start":3189.15,"end":3195.65},{"sentences":[{"text":"Am","start":3196.49,"end":3196.6501,"sentiment":"neutral","sentiment_score":0.022292429581284523}],"sentiment":"neutral","sentiment_score":0.022292429581284523,"channel":1,"num_words":1,"start":3196.49,"end":3196.6501},{"sentences":[{"text":"Any","start":3196.51,"end":3196.91,"sentiment":"neutral","sentiment_score":0.03310924395918846}],"sentiment":"neutral","sentiment_score":0.03310924395918846,"channel":0,"num_words":1,"start":3196.51,"end":3196.91},{"sentences":[{"text":"I able","start":3196.6501,"end":3197.05,"sentiment":"neutral","sentiment_score":0.026602840051054955}],"sentiment":"neutral","sentiment_score":0.026602840051054955,"channel":1,"num_words":2,"start":3196.6501,"end":3197.05},{"sentences":[{"text":"availability?","start":3196.91,"end":3197.41,"sentiment":"neutral","sentiment_score":0.012762071564793588}],"sentiment":"neutral","sentiment_score":0.012762071564793588,"channel":0,"num_words":1,"start":3196.91,"end":3197.41},{"sentences":[{"text":"am I because I'm on I'm going on a cal I'm on a week's holiday, and then I'm","start":3197.9302,"end":3204.73,"sentiment":"neutral","sentiment_score":-0.012589819418887297}],"sentiment":"neutral","sentiment_score":-0.012589819418887297,"channel":1,"num_words":18,"start":3197.9302,"end":3204.73},{"sentences":[{"text":"Mhmm.","start":3204.5151,"end":3205.0151,"sentiment":"neutral","sentiment_score":-0.014875993132591248}],"sentiment":"neutral","sentiment_score":-0.014875993132591248,"channel":0,"num_words":1,"start":3204.5151,"end":3205.0151},{"sentences":[{"text":"coming back.","start":3204.73,"end":3205.305,"sentiment":"neutral","sentiment_score":-0.030862469226121902},{"text":"So what I can do is when I get back, revisit things.","start":3205.545,"end":3210.105,"sentiment":"neutral","sentiment_score":0.0181471419831117},{"text":"So if you wanna","start":3210.105,"end":3210.925,"sentiment":"neutral","sentiment_score":0.027919390704482794}],"sentiment":"neutral","sentiment_score":0.014873240453501543,"channel":1,"num_words":18,"start":3204.73,"end":3210.925},{"sentences":[{"text":"Of course.","start":3211.7952,"end":3212.2751,"sentiment":"neutral","sentiment_score":0.05844685435295105},{"text":"I can.","start":3212.2751,"end":3212.935,"sentiment":"neutral","sentiment_score":0.05877767130732536}],"sentiment":"neutral","sentiment_score":0.058612262830138206,"channel":0,"num_words":4,"start":3211.7952,"end":3212.935},{"sentences":[{"text":"give us a bell","start":3213.065,"end":3213.9048,"sentiment":"neutral","sentiment_score":0.037917882204055786}],"sentiment":"neutral","sentiment_score":0.037917882204055786,"channel":1,"num_words":4,"start":3213.065,"end":3213.9048},{"sentences":[{"text":"Yep.","start":3213.5552,"end":3214.0552,"sentiment":"neutral","sentiment_score":0.04434086009860039}],"sentiment":"neutral","sentiment_score":0.04434086009860039,"channel":0,"num_words":1,"start":3213.5552,"end":3214.0552},{"sentences":[{"text":"or something like that even and because preferably after 03:00 here.","start":3213.9048,"end":3221.8,"sentiment":"neutral","sentiment_score":0.05427483536980369},{"text":"The reason I say that is because I'm back on day shift for about three weeks, and anything after 03:00 that then should be fine.","start":3223.06,"end":3230.715,"sentiment":"neutral","sentiment_score":0.06386859446763993}],"sentiment":"neutral","sentiment_score":0.06093716807663441,"channel":1,"num_words":36,"start":3213.9048,"end":3230.715},{"sentences":[{"text":"Okay.","start":3231.19,"end":3231.59,"sentiment":"neutral","sentiment_score":0.07670585811138153},{"text":"Okay.","start":3231.59,"end":3232.07,"sentiment":"neutral","sentiment_score":0.06840333342552185},{"text":"I do a late on a Thursday, so that will be the fifteenth.","start":3232.07,"end":3235.175,"sentiment":"neutral","sentiment_score":0.0675721071087397},{"text":"So what I might do is put a tentative one in there so no one","start":3235.235,"end":3239.075,"sentiment":"neutral","sentiment_score":0.026956568409999212}],"sentiment":"neutral","sentiment_score":0.04759650367001692,"channel":0,"num_words":30,"start":3231.19,"end":3239.075},{"sentences":[{"text":"Yep.","start":3238.955,"end":3239.455,"sentiment":"neutral","sentiment_score":0.026566799730062485}],"sentiment":"neutral","sentiment_score":0.026566799730062485,"channel":1,"num_words":1,"start":3238.955,"end":3239.455},{"sentences":[{"text":"steals it.","start":3239.075,"end":3239.8152,"sentiment":"neutral","sentiment_score":0.06259418092668056}],"sentiment":"neutral","sentiment_score":0.06259418092668056,"channel":0,"num_words":2,"start":3239.075,"end":3239.8152},{"sentences":[{"text":"Yep.","start":3240.155,"end":3240.655,"sentiment":"neutral","sentiment_score":0.0923842191696167}],"sentiment":"neutral","sentiment_score":0.0923842191696167,"channel":1,"num_words":1,"start":3240.155,"end":3240.655},{"sentences":[{"text":"And I'll confirm in the email to you that I send later","start":3241.395,"end":3246.375,"sentiment":"neutral","sentiment_score":0.12760122617085776}],"sentiment":"neutral","sentiment_score":0.12760122617085776,"channel":0,"num_words":12,"start":3241.395,"end":3246.375},{"sentences":[{"text":"Good on","start":3247.03,"end":3247.3499,"sentiment":"positive","sentiment_score":0.46085408329963684}],"sentiment":"positive","sentiment_score":0.46085408329963684,"channel":1,"num_words":2,"start":3247.03,"end":3247.3499},{"sentences":[{"text":"today.","start":3247.3152,"end":3247.647,"sentiment":"positive","sentiment_score":0.4057880938053131}],"sentiment":"positive","sentiment_score":0.4057880938053131,"channel":0,"num_words":1,"start":3247.3152,"end":3247.647},{"sentences":[{"text":"you.","start":3247.3499,"end":3247.8499,"sentiment":"neutral","sentiment_score":0.30279064178466797}],"sentiment":"neutral","sentiment_score":0.30279064178466797,"channel":1,"num_words":1,"start":3247.3499,"end":3247.8499},{"sentences":[{"text":"Alright.","start":3248.5269,"end":3248.847,"sentiment":"positive","sentiment_score":0.5462890863418579},{"text":"Beautiful.","start":3248.847,"end":3249.247,"sentiment":"positive","sentiment_score":0.7970003485679626},{"text":"Thanks for your time, Darren.","start":3249.247,"end":3250.207,"sentiment":"positive","sentiment_score":0.8372813940048218},{"text":"I really do appreciate it,","start":3250.207,"end":3251.587,"sentiment":"positive","sentiment_score":0.7723448634147644}],"sentiment":"positive","sentiment_score":0.782618393500646,"channel":0,"num_words":12,"start":3248.5269,"end":3251.587},{"sentences":[{"text":"No worries.","start":3251.99,"end":3252.55,"sentiment":"positive","sentiment_score":0.4704369008541107}],"sentiment":"positive","sentiment_score":0.4704369008541107,"channel":1,"num_words":2,"start":3251.99,"end":3252.55},{"sentences":[{"text":"and I","start":3252.2869,"end":3252.687,"sentiment":"positive","sentiment_score":0.47512465715408325}],"sentiment":"positive","sentiment_score":0.47512465715408325,"channel":0,"num_words":2,"start":3252.2869,"end":3252.687},{"sentences":[{"text":"Thank","start":3252.55,"end":3252.71,"sentiment":"positive","sentiment_score":0.5627761483192444}],"sentiment":"positive","sentiment_score":0.5627761483192444,"channel":1,"num_words":1,"start":3252.55,"end":3252.71},{"sentences":[{"text":"will","start":3252.687,"end":3252.927,"sentiment":"positive","sentiment_score":0.6774320006370544}],"sentiment":"positive","sentiment_score":0.6774320006370544,"channel":0,"num_words":1,"start":3252.687,"end":3252.927},{"sentences":[{"text":"you very","start":3252.71,"end":3253.03,"sentiment":"positive","sentiment_score":0.6745820641517639}],"sentiment":"positive","sentiment_score":0.6745820641517639,"channel":1,"num_words":2,"start":3252.71,"end":3253.03},{"sentences":[{"text":"speak","start":3252.927,"end":3253.167,"sentiment":"positive","sentiment_score":0.701102077960968}],"sentiment":"positive","sentiment_score":0.701102077960968,"channel":0,"num_words":1,"start":3252.927,"end":3253.167},{"sentences":[{"text":"much.","start":3253.03,"end":3253.53,"sentiment":"positive","sentiment_score":0.7560765147209167}],"sentiment":"positive","sentiment_score":0.7560765147209167,"channel":1,"num_words":1,"start":3253.03,"end":3253.53},{"sentences":[{"text":"to you soon.","start":3253.167,"end":3253.987,"sentiment":"positive","sentiment_score":0.4287656644980113},{"text":"Okay.","start":3254.2869,"end":3254.7869,"sentiment":"positive","sentiment_score":0.44354069232940674}],"sentiment":"positive","sentiment_score":0.43245942145586014,"channel":0,"num_words":4,"start":3253.167,"end":3254.7869},{"sentences":[{"text":"Good on you.","start":3254.47,"end":3255.3699,"sentiment":"positive","sentiment_score":0.6685236493746439},{"text":"See","start":3255.43,"end":3255.67,"sentiment":"positive","sentiment_score":0.38498008251190186}],"sentiment":"positive","sentiment_score":0.5976377576589584,"channel":1,"num_words":4,"start":3254.47,"end":3255.67},{"sentences":[{"text":"Okay.","start":3255.647,"end":3256.127,"sentiment":"positive","sentiment_score":0.3875763416290283}],"sentiment":"positive","sentiment_score":0.3875763416290283,"channel":0,"num_words":1,"start":3255.647,"end":3256.127},{"sentences":[{"text":"you.","start":3255.67,"end":3255.99,"sentiment":"positive","sentiment_score":0.4007534384727478},{"text":"Bye.","start":3255.99,"end":3256.49,"sentiment":"neutral","sentiment_score":0.2394462823867798}],"sentiment":"neutral","sentiment_score":0.3200998604297638,"channel":1,"num_words":2,"start":3255.67,"end":3256.49},{"sentences":[{"text":"Bye.","start":3256.127,"end":3256.627,"sentiment":"neutral","sentiment_score":0.18647947907447815},{"text":"Bye.","start":3256.687,"end":3257.187,"sentiment":"neutral","sentiment_score":-0.11656782776117323}],"sentiment":"neutral","sentiment_score":0.03495582565665246,"channel":0,"num_words":2,"start":3256.127,"end":3257.187}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses financial and retirement planning with the customer, including investment property and retirement goals. They recommend reducing assets to defensive and building cash reserves for retirement goals and emphasize the importance of diversification and a long-term strategy. The speaker emphasizes the need for a retirement plan and provides financial and fee information. They also discuss the importance of legal action and the need for a power of attorney for children and spouse. The agent sends a brochure and fee form to the customer and schedules a tentative appointment for the appointment."},"intents":{"segments":[{"text":"Before I go any further, I just do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?","start_word":20,"end_word":45,"intents":[{"intent":"Confirm call recording","confidence_score":0.05546279}]},{"text":"And, Darren, can I please ask you to confirm your full name, date of birth, and address, Yep. please? Darren Turner.","start_word":46,"end_word":66,"intents":[{"intent":"Confirm person's information","confidence_score":0.0001763185},{"intent":"Confirm details","confidence_score":0.045375504},{"intent":"Confirm identity","confidence_score":0.023837877}]},{"text":"Before I jump into it, what I'd like to do is just check-in and see if there's been any significant changes for you financially or personally that you'd like to focus on. Not really. No?","start_word":110,"end_word":144,"intents":[{"intent":"Check-in","confidence_score":0.036396254}]},{"text":"If it's okay with you, I might run through some of the information that we hold on file just to make sure that it is still current and relevant to you. Is that okay? Yep. Fantastic.","start_word":150,"end_word":185,"intents":[{"intent":"Update information","confidence_score":0.0025796166}]},{"text":"The only stuff I do really need to confirm is probably just your income and assets and liabilities. Is that okay?","start_word":310,"end_word":330,"intents":[{"intent":"Check income","confidence_score":0.009787675}]},{"text":"And what we might do is start looking at that retirement planning and what we need to do now to bring that Yep. into fruition.","start_word":1079,"end_word":1103,"intents":[{"intent":"Analyze retirement planning","confidence_score":0.0139142955}]},{"text":"So the company as a company, we've reached the decision that we are not comfortable holding it in client's portfolios, and we do want to look at alternatives that still help you meet your goals and objectives that are retiring at 60 with an income Yep. of $1,500 per week. But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that.","start_word":1491,"end_word":1572,"intents":[{"intent":"Review portfolio options","confidence_score":0.022969764}]},{"text":"But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that. Yep.","start_word":1541,"end_word":1573,"intents":[{"intent":"Review portfolio portfolio","confidence_score":0.13202532},{"intent":"Review portfolio","confidence_score":0.034054704}]},{"text":"That's I'm actually I'm happy for you to be reviewing these because yep.","start_word":1839,"end_word":1851,"intents":[{"intent":"Review portfolio","confidence_score":0.0031144717},{"intent":"Review portfolio performance","confidence_score":0.004652266}]},{"text":"So in relation to your portfolio, and then I guess another consideration we need to make is or discuss is that you are invested as a growth investor. So what that means is that we would typically see 80% of your funds invested in the growth assets. So that's like the Australian shares, international shares, listed property, and the 20% sitting in cash and, like, the bank hybrid option, for example, or fixed interest.","start_word":1975,"end_word":2048,"intents":[{"intent":"Discuss portfolio allocation and growth","confidence_score":0.008238184},{"intent":"Discuss portfolio allocation","confidence_score":0.039942272}]},{"text":"so that the income producing assets are there as well as the growth. And we it'll we call it a bucket, basically. You don't want to sell any gross assets to fund your retirement income. We always want your gross assets sitting there growing, producing income, doing both while your defensive assets is producing more of an income to top up that bucket to fund your income need of $1,500 per week.","start_word":2104,"end_word":2175,"intents":[{"intent":"Discuss income production","confidence_score":0.044206582}]},{"text":"The rest of your portfolio is actually doing quite well. You're got a lot of diversification. They get in there. You've got some niche markets being your global agriculture, your global cyber, and some physical gold along with the the iShares S and P 500, so you're American for US exposure. And you also have the Australian fixed interest in there, which is the nice defensive portion as well.","start_word":2258,"end_word":2326,"intents":[{"intent":"Assess portfolio diversification","confidence_score":0.07332589}]},{"text":"So in relation to that, if she was to retire when you were 60, is that $1,500 for you both, or is it gonna need to be more?","start_word":2548,"end_word":2575,"intents":[{"intent":"Evaluate retirement factors","confidence_score":0.020348625}]},{"text":"just looking at a few of the fees. So Yep.","start_word":2883,"end_word":2892,"intents":[{"intent":"Inquire about fees","confidence_score":0.016640998},{"intent":"Compare fees","confidence_score":0.031055242},{"intent":"Discuss fees","confidence_score":0.07578777}]},{"text":"and then at the start of the month, you've also got portfolio service fees as well. That's Yes.","start_word":3124,"end_word":3141,"intents":[{"intent":"Explain portfolio fees","confidence_score":0.0044906978}]},{"text":"So let's use Bannalong, for example, because it's at the top. They have a fee per month, so it's usually a percent based fee.","start_word":3207,"end_word":3230,"intents":[{"intent":"Clarify fees and expectations","confidence_score":0.00009593211}]},{"text":"So that return that I gave you before of 5%, that's after all of typically see typically see a return of between seven to nine percent. We would want to see with one in every five years being negative.","start_word":3360,"end_word":3398,"intents":[{"intent":"Analyze returns","confidence_score":0.0000075860894}]},{"text":"other questions about the investments or fees or anything that you you need you want me to clarify or provide information on? No. No.","start_word":3505,"end_word":3528,"intents":[{"intent":"Provide information","confidence_score":0.30963823}]},{"text":"It's probably half of what I've at at this moment, I'm expecting about a 100 roughly about 10 a $100 towards just a 100 at the moment for my super. And that's what I'd like to see. Because that in previous years, that's what roughly what I was getting. So Yeah.","start_word":3673,"end_word":3723,"intents":[{"intent":"Evaluate financial figures","confidence_score":0.00002434424}]},{"text":"I think sometimes myself guilty of it as well is we do look at the one year return as opposed to the long term return. Mhmm.","start_word":3925,"end_word":3950,"intents":[{"intent":"Discuss portfolio volatility and investment","confidence_score":0.00009478448}]},{"text":"So are you comfortable for this year to keep following that 80% exposure, 20%, or did you wanna look at starting to decrease it knowing that that will also decrease your return over the next twelve months?","start_word":4357,"end_word":4393,"intents":[{"intent":"Maintain coverage and portfolio","confidence_score":0.0000211776}]},{"text":"To be honest, I'd like to keep the growth. Yes.","start_word":4394,"end_word":4403,"intents":[{"intent":"Maintain and increase growth","confidence_score":0.0032006577}]},{"text":"I probably wanted to ask here is it's a small amount of cover. It's not cover it's not costing you much in relation to premiums.","start_word":4478,"end_word":4502,"intents":[{"intent":"Maintain insurance coverage","confidence_score":0.0009595662},{"intent":"Check coverage requirement","confidence_score":0.00170282}]},{"text":"What I might do is if you have a statement of any kind, I can put it on an email when I email it through to you. If you do have a statement of any kind, I would like to have a look at that just to make sure there's no impacts to you.","start_word":5031,"end_word":5084,"intents":[{"intent":"Schedule financial statement review","confidence_score":0.00015155225}]},{"text":"What we've done Yep. is that doesn't provide a lot of transparency for clients.","start_word":5383,"end_word":5396,"intents":[{"intent":"Provide transparency","confidence_score":0.064766996}]},{"text":"And then the last number the last document in the pack is the option to provide your tax file number.","start_word":5517,"end_word":5536,"intents":[{"intent":"Provide tax file number","confidence_score":0.48005834}]},{"text":"going to get I'll get that pack reissued to you at some point today, but I will send you an email with all the other things that we've talked about first and then let you know when that next pack's coming.","start_word":5630,"end_word":5670,"intents":[{"intent":"Send email","confidence_score":0.18451287}]},{"text":"What the fees cover, again, is your review. But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out.","start_word":5689,"end_word":5718,"intents":[{"intent":"Review fees","confidence_score":0.036579024}]},{"text":"But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out.","start_word":5697,"end_word":5718,"intents":[{"intent":"End conversation","confidence_score":0.0059031243}]},{"text":"So let's say, for example, in six months' time, you know, after the Christmas break, you and Cassandra have had a chance to sit down and have a chat about what retirement looks like, and you've got a better picture of it, shoot Yep.","start_word":5720,"end_word":5763,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.19951947}]},{"text":"One's basically a living will, if you think about it like that, and the other one is the will for your estate after passing. Right.","start_word":6478,"end_word":6502,"intents":[{"intent":"Plan estate planning and reimbursement","confidence_score":4.9530025e-10}]},{"text":"What I'll do when I send you the email, I'll send you the brochure of the professionals we partner with.","start_word":6514,"end_word":6533,"intents":[{"intent":"Provide brochure","confidence_score":0.09493635}]},{"text":"With your beneficiaries, are you happy to leave them as they are for the time being in super being 40% to Cassandra and 20 to each child, or do you wanna look at Yeah. changing Leave that? it at that for the moment, and then, obviously, yeah, obviously, you have to look at changing that. Yeah.","start_word":6782,"end_word":6837,"intents":[{"intent":"Discuss beneficiary changes and discuss changes","confidence_score":0.0000026952748}]}]},"sentiments":{"segments":[{"text":"Hello. Darren speaking. Hi, Darren. This is Jenniferning here from Oakview Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.12474732846021652},{"text":"Good. Thanks. That's good.","start_word":16,"end_word":19,"sentiment":"positive","sentiment_score":0.615782618522644},{"text":"Before I go any further, I just do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? And, Darren, can I please ask you to confirm your full name, date of birth, and address, Yep. please? Darren Turner. 2671612 Sunwell Street, Bunnell.","start_word":20,"end_word":70,"sentiment":"neutral","sentiment_score":0.030656037852168083},{"text":"Fantastic. Thank you.","start_word":71,"end_word":73,"sentiment":"positive","sentiment_score":0.5511520504951477},{"text":"How are you doing today, Darren? Good.","start_word":74,"end_word":80,"sentiment":"neutral","sentiment_score":0.3238619267940521},{"text":"Good.","start_word":81,"end_word":81,"sentiment":"positive","sentiment_score":0.34286993741989136},{"text":"Yes.","start_word":82,"end_word":82,"sentiment":"neutral","sentiment_score":0.28611183166503906},{"text":"That's good.","start_word":83,"end_word":84,"sentiment":"positive","sentiment_score":0.4313713014125824},{"text":"The purpose of my call is just to complete out in your review. Do you have time to do that now? Yep. Yeah? Oh, fantastic. Before I jump into it, what I'd like to do is just check-in and see if there's been any significant changes for you financially or personally that you'd like to focus on. Not really. No? No? That's okay. That's alright. If it's okay with you, I might run through some of the information that we hold on file just to make sure that it is still current and relevant to you. Is that okay? Yep. Fantastic. Darren, I have your spouse and next of kin noted as Cassandra Turner. Is Yep. that still correct? Yep. Yep. And I have here that you have three dependents. Are they Yep. minors 18? One's 18. Two of them Yep. are 18. Okay. No worries at all. And I have you here as an electrician. Are you still an electrician Yep. for Mars Group? Is that Yep. correct? Lovely. And full time? Is that thirty eight hours a week? Yep. Yep. Yeah. And your Can in we do we have yep. to go through all this? We do have to go through it every time, and nothing's changed. Nothing's changed? So The yeah. only the only stuff I can I can skip through that? The only stuff I do really need to confirm is probably just your income and assets and liabilities. Is that okay? Yep. I'll keep it brief. Income at $1.20? Yes. Yep. Yeah. Expenditure and savings, the same as last time. Yes. Yeah. And I have your home valued at 900,000. Would that still be correct? Yep. That'd be roughly alright. Yep. And about 5,000 A owing on bit less than that, but your yeah. home. Yeah.","start_word":85,"end_word":385,"sentiment":"neutral","sentiment_score":0.03102939935444399},{"text":"Fantastic.","start_word":386,"end_word":386,"sentiment":"positive","sentiment_score":0.6721002459526062},{"text":"And a credit card of 5,000. Is that the balance or the the limit? The limit was $10, but, well, I have pretty much nothing Okay. on that. So I think it's Okay. $1,200 or something. Oh, thank you.","start_word":387,"end_word":425,"sentiment":"neutral","sentiment_score":0.0738755315542221},{"text":"Thank you so much for that.","start_word":426,"end_word":431,"sentiment":"positive","sentiment_score":0.5012894868850708},{"text":"Sorry about that. I know that you had some personal investments. Are they still applicable? You've got some shares with Colonial First State, some cash, Yep. some LemonX shares. Yep. Yeah? Okay. I'll leave Yeah. all those as is. And then just with your goals and objectives, I just wanna check and see if they're still current very briefly before I send you through the information. You did say in your last review that you wanted to buy another property in around five years and travel around Australia, including the Northern Territory? Possibly it. Yep. Yeah. Okay. And you'd like to get a Caravan for Cassandra and yourself? Go to caravan. You got it.","start_word":432,"end_word":545,"sentiment":"neutral","sentiment_score":0.04618678614497185},{"text":"Congratulations. Lovely.","start_word":546,"end_word":547,"sentiment":"positive","sentiment_score":0.3874423801898956},{"text":"Have you had the chance to use it yet? Oh, no. No. Yeah. Yep. Oh, that's good. And you wanted to get an investment property to rent out? Yep. Although right. After speaking last time, I did ask to get a financial adviser to contact me Okay. to discuss that, and he did discuss we did Mhmm. have one phone call, a couple of phone calls, and then he was gonna follow-up with more advice and never did it, which Okay.","start_word":548,"end_word":628,"sentiment":"neutral","sentiment_score":-0.010796732269227505},{"text":"bit disappointed.","start_word":629,"end_word":630,"sentiment":"negative","sentiment_score":-0.4104365110397339},{"text":"Let me have a look because I'm gonna run while I run through these questions, because I am an adviser, so I can have a look at this as well. If you do you mind giving me a couple of minutes just to read through quickly? Mhmm. Or I can actually do a post if you like, and I can come back to you and save you some time because it could take me a little bit. Would you like me to come back to you? Yeah. Yeah. Yeah. That'd be I've fine. got I've got a big note here to come back to you. I do you want me to do that in an email or a phone Because call? because the guy who I don't forget the name of the guy and sat down at a discussion, and I said to him basically along the lines of what, you know, what they suggest, and they said it and I was basically said suggested I was thinking about doing for a property, but they suggested doing shares or super, pay into super, extra super. Mhmm. Mhmm. But then I and I send all the details of everything I've got back to him, and I never they never got back to me, which Okay. Let that was back in the start of the year, and so I forgot all about it, and you reminded me. that's okay. Leave that with me. I'm gonna look into that. So that was the beginning of this year. Yep. Yeah. K. Leave that with I'll do some investigation, and I will definitely come I promise I will come back to you. Alright. Okay. So the investment property, is that off the cards now? Well, being because of the Changes? it was it Yep. was suggested that I didn't go down that path. But, anyway, Yep. that was Okay. Yep. That's okay. Leave that one with me. With your, you just want you said you had stated you wanna get as much possible out of it gross wise as possible. Is that still correct? Yes. Yep. And you is your goal to still retire at age 60 with $1,500 per week? Yep. If I can. Yes. Yep. Yep. Okay. Alright. Well, we're definitely at that stage where we need to start looking and planning for that. We have you down as a growth investor, which we might have a squeeze at in a second. I'm gonna shoot I'm gonna send you through a you'll receive an email from myself that has out the review pack that we're gonna talk through on it or attached Mhmm. to it, I should I should say. And what we might do is start looking at that retirement planning and what we need to do now to bring that Yep. into fruition. So I've just hit send, so it should pop up in your emails momentarily. Yep. And when you do open that, it'll come, it'll say it'll have a sign link. Click here to sign. If you just click that, it will you're not signing anything at the moment. You'll just open the the documents that we're gonna walk through. Yes. Do you have that open? It just come through just now. Oh, okay. Yep. That's alright. Alright. Is that all opened up? It's opening up at the moment. Sorry. No. Please don't apologize. Absolutely fine. Alright. So that's come up.","start_word":631,"end_word":1202,"sentiment":"neutral","sentiment_score":0.03243615985294426},{"text":"Fantastic.","start_word":1203,"end_word":1203,"sentiment":"positive","sentiment_score":0.6822409629821777},{"text":"So the first document you should see is a summary of your super and insurance. Yep. Is that right? Yeah? Yep. It's just a very high level overview. Your supers with hub twenty four. It's sitting at $757,111 rounded up, and you've got your life and TPD insurance sitting at a sum insured of 59,617 thousand each. And that premium of $630.88 per annum is taken from your hub twenty four No. account. The next document along is your twelve month performance history with hub twenty four. The first thing that I am going to draw or first discussion piece I'm gonna draw your attention to is that first one, the Bennelong Strain Equities Fund. You'll see that it has had an underperforming value. The reason for that and the first the reason for my first point of discussion with this is that, at the moment, all the clients that we're speaking with is we are reviewing the Banna Long Australian Equities Fund within all clients' portfolios, and that's a company wide decision. So the reason being is that Bennelong's investment mandate dictates that they look for undervalued companies within the Australian share market for potential growth opportunities. Now in the last few months, Bennelong has had a turnaround and a kickback, which is great. But due to the fact that it was a systemic ongoing issue, Yep.","start_word":1204,"end_word":1431,"sentiment":"neutral","sentiment_score":0.041509486734867096},{"text":"we're not comfortable retaining it in client portfolios.","start_word":1432,"end_word":1439,"sentiment":"negative","sentiment_score":-0.43022581934928894},{"text":"We're not reactive to underperformance. So if if a fund does underperform, that's expected as part of a portfolio on the way that the market behaves. But when it becomes a long term or an ongoing scenario, that's when we look at the the value of holding it within the portfolio. So the company as a company, we've reached the decision that we are not comfortable holding it in client's portfolios, and we do want to look at alternatives that still help you meet your goals and objectives that are retiring at 60 with an income Yep. of $1,500 per week. But I just wanted to flag that with you as the first point of what I'd like to review in your portfolio and if you're comfortable for me to look at that. Yep. Yeah. The other one that I'd wanted to review in your portfolio is the third one down. You'll see that it's the Beta Bank hybrid ETF. Now there's nothing wrong with that investment itself. It forms part of the defensive allocation of your portfolio. The reason why I wanna review it is that from January 2027, the Australian banking system is phasing out hybrids. So that means that those investments will no longer be available. I don't know what it looks like come January 2027. So the clients that I'm working with, I'm taking a proactive approach to act now because I just don't know what the future holds in relation to what's what the banks are gonna offer as a replacement for those investments. So if you're comfortable with that, I would also look at I'd like to take a look at potential alternative. And which one was that one? Sorry. The third one down, the beta bank hybrid ETF. So at the moment, you have approximately 70 Yep. 4 Yep. thousand. Yep. Yep. It hasn't you know, gross wise, we don't expect a lot of growth from defensive assets. Income wise, it's it's done well.","start_word":1440,"end_word":1770,"sentiment":"neutral","sentiment_score":-0.08001836389303207},{"text":"There's nothing particularly wrong with it. It's just the uncertain future of it that I'm not comfortable with. I don't know what's gonna be what's gonna replace it.","start_word":1771,"end_word":1798,"sentiment":"negative","sentiment_score":-0.5240069031715393},{"text":"So I'd rather be a little bit more proactive now while it is still doing well because I just don't know what the next few months hold. Is that okay Yep. with you? Yep. Yep. Yeah. That's Okay.","start_word":1799,"end_word":1836,"sentiment":"neutral","sentiment_score":0.06220338866114616},{"text":"fine. Fantastic. That's I'm actually I'm happy for you to be reviewing these because yep.","start_word":1837,"end_word":1851,"sentiment":"positive","sentiment_score":0.5732380151748657},{"text":"as you would well know, Mhmm. the superannuation hasn't been really high growth in the last twelve months. No. So and that's due to the Bennelong Fund. So the overall performance of your portfolio has been impacted by that Bennelong Fund, the one at the top. The you so the internal rate of return even with Bennelong for the last twelve months has been 5%. If I look at your projected out internal next twelve months, it's gonna be significantly higher. But that's that's why we wanna look at even even as I mentioned before, Bennelong has turned around and they are now not underperforming. It's not something that we're willing to risk keeping in a portfolio for our clients moving forward. Yep. So in relation to your portfolio, and then I guess another consideration we need to make is or discuss is that you are invested as a growth investor. So what that means is that we would typically see 80% of your funds invested in the growth assets. So that's like the Australian shares, international shares, listed property, and the 20% sitting in cash and, like, the bank hybrid option, for example, or fixed interest. Now as your I your retirement date is five years away, it doesn't have to be this review. But at some point, what we would need to do is start looking at that allocation and whether we look at reducing some to defensive assets, more to defensive assets as you get closer to 60 Yes. so that the income producing assets are there as well as the growth. And we it'll we call it a bucket, basically. You don't want to sell any gross assets to fund your retirement income. We always want your gross assets sitting there growing, producing income, doing both while your defensive assets is producing more of an income to top up that bucket to fund your income need of $1,500 per week. So we don't need to look at probably changing any of that allocation now. You're still five years out. But I would say within the next maybe the next review, we'd start looking at getting closer to it. But definitely by three years out, I would want to start looking at reducing well, increasing a little bit more of your assets to defensive or just to start building that cash reserve for impending retirement. Does that make Yep. sense? Yep.","start_word":1852,"end_word":2255,"sentiment":"neutral","sentiment_score":0.007990804039827078},{"text":"Okay. Fantastic. The rest of your portfolio is actually doing quite well. You're got a lot of diversification. They get in there. You've got some niche markets being your global agriculture, your global cyber, and some physical gold along with the the iShares S and P 500, so you're American for US exposure. And you also have the Australian fixed interest in there, which is the nice defensive portion as well. I'm pretty happy with your portfolio.","start_word":2256,"end_word":2332,"sentiment":"positive","sentiment_score":0.4834182858467102},{"text":"I'm gonna review it as a whole anyhow, but I'm definitely gonna look at the Benelon and the hybrid, and I'll have a look at if there's any other tweaks that need to be made just to make sure that it works in with your retirement goals. Yep. No worries. So if I was do I what what am I looking at ending up with at the moment Mhmm. as a as a yearly wage, Drawing yearly from income? your super? Yep. Yep. Leave that with me. That's something that I would we would need to model out. So Yep. you had drawing on 1,500. I guess that's another question I wanted to ask. Cassandra. How old Cassandra? She's 51. Yep. Okay. And that's $1,500. Is that for you only or for you combined? Does Cassandra plan on retiring when you are 60? Really haven't spoke about it, to be honest. Yeah. I did Yeah. So the other day, and I said, she I don't know if she wants to work on. I'm not sure. that yeah. So I think probably there's a couple of factors in there that we need to really consider because Cassandra, depending on what her superannuation balance is, and if she can't access her till 60, so she's behind you. So in relation to that, if she was to retire when you were 60, is that $1,500 for you both, or is it gonna need to be more? Because we may need to supplement it from your superannuation until Cassandra reaches the age of 60, whereas then we'd look at reducing your drawdown and increasing Cassandra's. So there's a couple of factors there for retirement for us to consider on how you both want to or how you you see it occurring.","start_word":2333,"end_word":2629,"sentiment":"neutral","sentiment_score":0.03586256656457077},{"text":"Because it for me to be able to model it out, I can definitely model it out on $1,500 a week, $8.60 for you.","start_word":2630,"end_word":2653,"sentiment":"positive","sentiment_score":0.5861940383911133},{"text":"It doesn't take into account the other factors that I just from a holistic point of view, what, as a family, what you and Cassandra wanna achieve. Mhmm. Yeah. To be honest, I I can't tell you at the moment. So that's okay. Did you want me to put that in an email for something? It doesn't you don't need to come back to me anytime soon because we don't need to discuss it in this review. Yep.","start_word":2654,"end_word":2731,"sentiment":"neutral","sentiment_score":0.12646834552288055},{"text":"What I will do is I will model out 60 to 1,500, but just something that you and Cassandra can have a chat about as retirement draws closer of what it is that you really, really want to.","start_word":2732,"end_word":2769,"sentiment":"positive","sentiment_score":0.4463872015476227},{"text":"Is that okay? Yep. Okay. Now while I've got you, you've got me Yes. looking a little bit further into mine. Now Yeah. I'm just looking I've got sorry. I got back to this one. In in July Yeah. and in and in September, I've been given $840. Is that part of that two Mhmm. and a half that what is it? 1.25% or whatever it is? Ingeo Superfund? Oh, yeah. For fees. Hang on. Just let me jump into Hub 24 now while I've got you. Give me one second.","start_word":2770,"end_word":2860,"sentiment":"neutral","sentiment_score":0.013919643126428127},{"text":"Obviously, just because because my it's the the thing's not performing.","start_word":2861,"end_word":2871,"sentiment":"negative","sentiment_score":-0.3854895234107971},{"text":"I'm just looking at a lot of the expenses. I'm Yeah. just looking at a few of the fees. So Yep. Give me one second to jump in. I just don't have that report handy. So if I jump in live, I can actually Yep. see what you're talking to, and then we can chat about that. Okay. So that's July and September of this year? Yeah. So there was one there Yep. on the sixth of the ninth, and and there's also one on the '68, which both are 840 $840.82. Because to my understanding '6 of the '9. Yep. Yep. So yeah. that's our advice fee. That's correct. So that's part of that. So is it 1.65% Correct. That is charge? the 1.6 Yep. 5%. Yep. Yeah. Yep. So So that that totaled out is the annual fee. So that times 12 is the annual fee. yep. No worries. And then you got expense recovery fee. Yep. So that is the expense recovery fee is the superannuation platform. So what they do is they estimate out the fees. And what it is is the superannuation, if there's a shortfall in it, in administrative costs on the superannuation fund, for example, that shortfall is calculated once a year. So there was a shortfall of $45.12 in fees payable to hub twenty four for the admin or potentially even investment fees, but they don't give us details to that, and that's what that is. Is. And then you've It's got very common. and then at the start of the month, you've also got portfolio service fees as well. That's Yes. monthly as well. Correct. So if you look at that performance chart or document there, if you look at each of those funds, they all charge what they call as an investment fee. That's the total of those investment fees across your whole entire portfolio. Just this this is actually purchasing the the the shares and stuff, is it?","start_word":2872,"end_word":3200,"sentiment":"neutral","sentiment_score":-0.0202140174806118},{"text":"Not purchasing for the management.","start_word":3201,"end_word":3205,"sentiment":"negative","sentiment_score":-0.3993992209434509},{"text":"So let's use Bannalong, for example, because it's at the top. They have a fee per month, so it's usually a percent based fee. It might be point eight three or something, for example. I can get the exact one for you. And that's charged monthly for the and that's the investment fund manager. So every single client that holds any exposure to the Benelon Australian Equity Fund pays that fee. So that covers their administration, basically. The moving well, the administration, basically. They're moving well, the research they conduct to buy into specific investments, it's the same across every single fund. So each fund will have a different will charge a different fee. Typically, the ETF, so those bottom six that you have exposure to, those fees are typically less than a managed fund, which is your Yep. Benelon and ClearBridge above. So an ETF and it's the investment manager's fee. No worries. So that return that I gave you before of 5%, that's after all of typically see typically see a return of between seven to nine percent.","start_word":3206,"end_word":3385,"sentiment":"neutral","sentiment_score":0.0671890527009964},{"text":"We would want to see with one in every five years being negative. Now where it's the last twelve months has definitely fallen short of that, and Mhmm.","start_word":3386,"end_word":3413,"sentiment":"negative","sentiment_score":-0.42018845677375793},{"text":"that is due to the. If we if we project out sorry. I'll I can do all these figures afterwards and it in an email for you. But the the underperformance if, let's say, for example, Bennelong hadn't been in there, Bennelong's per has been a great performer in the past and has probably helped really provide some significant growth in the past to your portfolio.","start_word":3414,"end_word":3479,"sentiment":"neutral","sentiment_score":-0.023941507562994957},{"text":"Unfortunately, in the last twelve months, it has let us down, and that's why we are looking to alternatives for Yep.","start_word":3480,"end_word":3500,"sentiment":"negative","sentiment_score":-0.4887472689151764},{"text":"a replacement. Any Alright. other questions about the investments or fees or anything that you you need you want me to clarify or provide information on? No. No. That's just while while you're going through it, I am reading up a bit of bit of a little bit about it as well because Yeah. yeah. Because because what is it? What about what about you got it down as high growth? You've got it down as growth. Yeah. Okay. Yep. Yeah. Which is yeah. Which is yeah. That 8%. Yep. Yeah. Yeah. General. Yeah. We we say, yeah, seven to nine, so that's 8% the middle ground. Yep. No worries. So yep. Yeah. Go on. Sorry. Oh, no. No. No. I was just gonna say, did you have any other questions that I can help? No. No. No. That's that's it. I Yeah. I just, as I said, I'm just to be concerned, and, obviously, you're putting it down to. Yeah. Mhmm. The performance I've been watching that super in it. Yeah. It's probably half of what I've at at this moment, I'm expecting about a 100 roughly about 10 a $100 towards just a 100 at the moment for my super. And that's what I'd like to see. Because that in previous years, that's what roughly what I was getting. So Yeah. Yeah. And I understand that. So if we looked at it at the beginning of twelve months and doing a $100, we would expect the return to sit at about 14%. So About what? Sorry. the about 14%. If we looked at your beginning your opening balance twelve months ago being $6.94 500, if Yep. we expected a $100 on top of that in gross and income, so the two combined, we'd be looking at somewhat of a return of 14% to get that figure. You know, the last few years have been fruitful for a lot of us, especially post COVID. Markets really did and even in COVID, the recovery, markets really did do great things for a a lot of us.","start_word":3501,"end_word":3846,"sentiment":"neutral","sentiment_score":0.04348122922843591},{"text":"However, an ongoing return of about 14% each year is not ideally it's not realistic.","start_word":3847,"end_word":3861,"sentiment":"negative","sentiment_score":-0.36355721950531006},{"text":"But if we what I did if what I do is look at an annualized return let me have a look. If you just give me one sec. If we look at let's have a look. So we'll do it in calendar years. So if we go back What I'm gonna do is have a look at the annualized returns over time. I think sometimes myself guilty of it as well is we do look at the one year return as opposed to the long term return. Mhmm. Because from year to year, it's gonna vary depending on how what's going on in the world. Yes. So And I our understand that. Yep. yeah. Yeah. So if we look at the annual return for the last five years, so your portfolio so this is specific to your portfolio. The annualized return is sitting at 9.98% per year over the five years with a total return of 46.39%. So we're always gonna get that volatility this year. It's maybe one of the lower years that we're going to experience it, and I can send a report to you. But over the last five years, it your annualized average out return is 9.98%. So it is sitting where we want it to over the long term. We can go further back if you'll if if that if you need if you would like some more clarity because I know that information is key.","start_word":3862,"end_word":4102,"sentiment":"neutral","sentiment_score":0.011152061351663838},{"text":"When people have the information, it helps make informed decisions. So I'm happy to provide as much information as you need for comfort as well. So I'm pretty happy with that return being 9.98% averaged out over the five years.","start_word":4103,"end_word":4142,"sentiment":"positive","sentiment_score":0.5756259560585022},{"text":"Hasn't Mhmm. yes. I agree. Your account hasn't hit the mark this year. Been along being one of the factors. Interest rates, not only in Australia, worldwide with America as well, inflation, the cost of living, petrol prices, all those all those elements have really played into account this year. But in my view, it's really been the banner long account that has let us down in relation to performance Alright. of your Let's portfolio. let let let's let's axe those bastards. They're dragging I agree. I agree. us So the all that's definitely on my hit list to action down. for you. The next document Mhmm. is a Vanguard index chart. You've probably seen this many times or something similar. It just shows you market behavior. So you'll see Yep. along the top your events, worldwide events, and how the market has it has reacted to those, and then, again, how it recovers. Those top four on the right hand side is your growth assets. So as mentioned before, you've got 80% exposure to those. And the bottom two is your defensive income doesn't provide your portfolio as much growth. It's designed there No. to help in times of volatility to still produce income when the market takes a bit of a tank. So are you comfortable for this year to keep following that 80% exposure, 20%, or did you wanna look at starting to decrease it knowing that that will also decrease your return over the next twelve months? To be honest, I'd like to keep the growth.","start_word":4143,"end_word":4402,"sentiment":"neutral","sentiment_score":-0.05011429153382778},{"text":"Yes. That is absolutely fine.","start_word":4403,"end_word":4407,"sentiment":"positive","sentiment_score":0.420384019613266},{"text":"Because I think I think you still have time on your hands at the moment Yep. to still take that growth approach with at least within the next two years of looking at just increasing a little bit of exposure to defensive assets. Yep. Yeah. Okay. The next document is your certificate of currency. So that's your insurance with Clearview just showing that it is in force. The question Yep. I probably wanted to ask here is it's a small amount of cover. It's not cover it's not costing you much in relation to premiums. Is there a reason given that you have very little debt that you're maintaining this cover? Basically, it's to well, to be honest, I'm just about to buy a new probably buy a new car. Mhmm. So Yep. that'll have some I'm probably looking at Yep. probably about $30. Yep. Yep. So that'll give me some and then on top Absolutely. of that, it's also it's also just to maybe pay help pay some of the things off. Yep. I completely understand. Just wanted to touch base and check-in on that. There is always usually a reason why somebody wants to maintain that cover, and that is absolutely fine. I just wanted to check and make sure that Well, I actually found out the other day that you can only receive one life insurance. I was not aware of that until recently, but it depends. So the cover you have here is what we call underwritten cover. So when you applied for this cover with Clearview, there would have been a question on the application form that says, do you hold any other life TPD cover? If you didn't if you didn't at that point in time, that's absolutely fine.","start_word":4408,"end_word":4702,"sentiment":"neutral","sentiment_score":0.024600274557784452},{"text":"You are able to 100% have multiple life covers.","start_word":4703,"end_word":4711,"sentiment":"positive","sentiment_score":0.4572080969810486},{"text":"But with underwritten cover, it needs to be taken into consideration by the underwriters. So given your low levels of cover, it's it was it'd be unlikely to be an issue. But, typically, if you held, for example, an industry fund, so if you have let's call it what's one of the most common ones? Q super, for example, and you have a life insurance policy in there that's group cover, they would look at that, the insurers, and one and say, see if the need was there to pay out. So you can have more than one. It just depends what your what type you're talking about and whether because it had been through considered. well, it works there at the moment. We have what they call a plum. Got a life insurance for them. I don't know what the amount is for that. And then on top of that, I think with I'm with the ATU as well. So I'm not sure if I through that, I get life insurance as well. The ETUs. Is that, like, your employer an employment scheme? The plumbing. Yes. Yeah. Okay. And the ETU, what what is that? Sorry? The literal trade union. Yep. Okay. Yep. So that wouldn't come into play anyway with regards It to wouldn't. life insurance. No. No. No. No. Because that's with your union. That's that's completely separate to what we manage. Like, that would not impact a life insurance policy that you have here or external.","start_word":4712,"end_word":4961,"sentiment":"neutral","sentiment_score":-0.029350850731134415},{"text":"That They they do do super fun, yes.","start_word":4962,"end_word":4969,"sentiment":"positive","sentiment_score":0.399761825799942},{"text":"I would need to probably have a look at that a little bit further just to see. I don't think there'd be any significant issues. When did you get that cover? Well, it's just part of employment. So they they they actually do pay it. So Oh, they paid for it? You're employer? I think so. Yeah. Yep. Okay. Alright. What I might do is if you have a statement of any kind, I can put it on an email when I email it through to you. If you do have a statement of any kind, I would like to have a look at that just to make sure there's no impacts to you. I don't there would be, but I can't say categorically if there is or isn't. Mhmm. So I'll just put that on my notes for me to check-in with you. The next document is your financial services guide. It's in the past. It explains who we are, Yep. you know, the guide, the license by and how to make a complaint. And then the next document is your So I'm going ongoing I'm sliding down to see which see oh, yeah. your photo That's fine. view. Oh, I'm not in there yet. I've not long started with Oaktree, so I think so. You're right. Okay. Yeah. Yep. So I've been an adviser for gosh. Oh, Who I don't are you even an wanna adviser say for? Sorry. I'm an adviser for Oakview, but I've only just Yep. started with Oakview in the last few months. But I have been an adviser for, I would say, about fifteen years. So I've I've, you know, I've I've got some experience under my belt to work with you, so don't worry. Just to give you some what do they Reshore. call it? Yes. That's the word.","start_word":4970,"end_word":5276,"sentiment":"neutral","sentiment_score":-0.009442854893366512},{"text":"Thank you.","start_word":5277,"end_word":5278,"sentiment":"positive","sentiment_score":0.4560638666152954},{"text":"The next document in that after the FSG, we'll call it, is the fee document, which looks like it hasn't been completed correctly. If I'm looking at that, I'm gonna have to get that reissued to you because I don't know what the fee is. So it's it will be a fixed rate for it a fixed rate fee. So you'll you said earlier, the 1.65%. What we Yep. have done, is and you would have seen it throughout your portfolio is when the portfolio is down, the fee is down. When it's up, the fee is up. When it's a percent based fee. What we've done Yep. is that doesn't provide a lot of transparency for clients. And, also, when the market's up, there's no reason why we be paid more. That's just, you know, us doing our job. So what moving forward, it won't be a percent base fee. It will be a fixed fee. So that fixed fee will be don't know. It's not there. But I will definitely email you afterwards. And it will then be divided by 12, and that's the fee that will come out every single month. So there will be no variance. So each twelve months, you'll know what your fee is gonna be Yep. when you sign off on it. Yep. So I will make sure that that is fixed up, and I get that sent through to you. And then the last number the last document in the pack is the option to provide your tax file number. So what this form is is it shows you that we have your tax file number on file, and that's from when we set up your your superannuation. Excuse Bless you. me. Yep.","start_word":5279,"end_word":5569,"sentiment":"neutral","sentiment_score":0.11197638857303206},{"text":"Thank you. And it you're welcome.","start_word":5570,"end_word":5575,"sentiment":"positive","sentiment_score":0.5319905281066895},{"text":"And it's just you noting that you understand that we do hold it on file for you. Well, we hold it on file. So that's your authority there.","start_word":5576,"end_word":5603,"sentiment":"neutral","sentiment_score":0.17737729847431183},{"text":"But what I'm gonna ask you to do is do not sign anything on this pack because that fee information is not correct.","start_word":5604,"end_word":5626,"sentiment":"negative","sentiment_score":-0.3931275010108948},{"text":"And I'm Yep. going to get I'll get that pack reissued to you at some point today, but I will send you an email with all the other things that we've talked about first and then let you know when that next pack's coming. So, basically, with the the fee form and the tax file number form, I'll need your signature on. What the fees cover, again, is your review. But at no but at any point throughout the year, if your circumstances change or you need advice, you just reach out. So let's say, for example, in six months' time, you know, after the Christmas break, you and Cassandra have had a chance to sit down and have a chat about what retirement looks like, and you've got a better picture of it, shoot Yep. me an email, pick up the phone, we'll book in a time, we'll hash out it we'll hash it out and start looking at building what that looks like because it No may worries be different at to all. what we talked about today. So you're not limited to your annual reviews. Your your fee covers the ongoing advice. So things change.","start_word":5627,"end_word":5824,"sentiment":"neutral","sentiment_score":0.14530261583400494},{"text":"We understand that, and we're here to support you along that path.","start_word":5825,"end_word":5836,"sentiment":"positive","sentiment_score":0.4444581866264343},{"text":"Okay?","start_word":5837,"end_word":5837,"sentiment":"neutral","sentiment_score":0.33271926641464233},{"text":"Great.","start_word":5838,"end_word":5838,"sentiment":"positive","sentiment_score":0.631605863571167},{"text":"Yep. Any questions? Oh, of that of given all the questions as we're going along.","start_word":5839,"end_word":5853,"sentiment":"neutral","sentiment_score":0.18181951344013217},{"text":"So yeah. Fantastic.","start_word":5854,"end_word":5856,"sentiment":"positive","sentiment_score":0.4865095615386963},{"text":"The only other one thing I wanted to ask you, Darren, is with your superannuation and the reason why I asked about your children before is you've got Cassandra and your three children noted as beneficiaries. Yep. Now with Cassandra being paid as a beneficiary of your it's tax free to her. For Mhmm. your two my children, it is also tax free. For your adult child, it will not be tax free. There will be 17% tax applied, and How's that's that? yeah. Yeah. Because they don't meet the definition of a financial dependent. So once a child reaches 18, they're no longer considered dependent under the superannuation and the tax laws. So what happens is is 15% is taxed of the amount they receive, then plus 2% for Medicare. So what we look at doing is we always review beneficiaries based on that because children, Yep. obviously, grow older. The typically, if you had all adult children, so let's say yesterday something happened, and Cassandra is no longer with us and it was just your children and they're all above 18, typically, what we would recommend or suggest is that you have a will and your superannuation be directed to your will through your estate because your estate would only pay that 15% tax for your children, not the additional 2% for Medicare. So there's probably that's more information for you to consider to tell me what you want me to do with that. Because you also raised another another question too. I don't have a will. So Yeah. Yep. we have been I've been thinking about that, and it'll be be Yep. sorting Yep. that out shortly as well. So Yeah. Do you have someone that you can work with for that? yeah.","start_word":5857,"end_word":6152,"sentiment":"neutral","sentiment_score":-0.005791217779325372},{"text":"So, again, the union do Fantastic. Yep. the unions do wills for free.","start_word":6153,"end_word":6165,"sentiment":"positive","sentiment_score":0.3700912594795227},{"text":"So Will they do that I for did Cassandra as well? just do one second. I know because I did actually look at doing it there a while back, but, unfortunately, Mhmm.","start_word":6166,"end_word":6197,"sentiment":"neutral","sentiment_score":-0.010835886001586914},{"text":"people are stupid money for Mhmm.","start_word":6198,"end_word":6203,"sentiment":"negative","sentiment_score":-0.43334072828292847},{"text":"at times. So Yes. that's why we didn't do in the past, but I started looking at it, and then I actually come across it in the standard in the the union do it now. So but No. That's what's that? I'm just looking I'm right. on the VTU site now, so I just perfect. Do they do powers of attorney for you as well? I'm not Yeah. So what a power of do you know what a power of attorney does? sure. Off the top of my head, not really. Yeah. No. That's okay. So, basically, what a power of attorney allows is while you're still alive and if you're ever in a position where you're unable to make decisions for yourself, that document Oh, yeah. will allow someone to do that for you. Now Yep. a lot of people assume your husband and wife are automatically that person. That's not the case. Say, for example, if Cassandra phones us and something had happened to you and you're in hospital and unable to give us any direction, Without that document, we'd be unable to help Cassandra with anything in relation to your super insurance. So that document is extremely important. Same with if you had individual investments in your own name or an individual bank account or even if the the property was in your name and the loan, she would be limited in accessing any of that and and vice versa. So you wouldn't be able to access anything on Cassandra's behalf should you need to if that situation arose. So those two documents go hand in hand, are really, really important. One's basically a living will, if you think about it like that, and the other one is the will for your estate after passing. Right. So they both go hand in hand as equally as important. What I'll do when I send you the email, I'll send you the brochure of the professionals we partner with.","start_word":6204,"end_word":6533,"sentiment":"neutral","sentiment_score":-0.057776047424836594},{"text":"I had a chuckle before when you said they asked ridiculous money. I've seen versions of ridiculous money in my time and quotes, and some of it is appalling.","start_word":6534,"end_word":6562,"sentiment":"negative","sentiment_score":-0.5232210755348206},{"text":"These guys these guys are very affordable compared to what I've seen in the past. Should Cassandra not be able to access it through the union, it might be an alternative as well for Cassandra to have it set up. So I'll send it through to you so you've got the information No worries. anyway. Because it's funny because Yep. we we even went to get the solicitor to do it for us when we were selling mother in law's house, Yeah. thinking I might look after us. And, yeah, it was he did Oh, not. I've seen yeah.","start_word":6563,"end_word":6661,"sentiment":"neutral","sentiment_score":0.0659220740199089},{"text":"I've seen some doozies.","start_word":6662,"end_word":6665,"sentiment":"negative","sentiment_score":-0.3997825086116791},{"text":"A 100% I've seen some doozies, so I I know exactly what you're saying. This one, however, when I first looked at it when I first started, I was like, wow. That's actually really reasonable. So, yeah, I think I'll send that through to you for you to have a look at. Either way, hopefully, the union covers Cassandra as well. But, Kevin yeah, what? there's Sorry. we'll help. We'll cover Cassandra doing her her estate planning as well, hopefully. Yep. Yep. If not, you do have an alternative there that, you know, can they they can work with you to Yep. make sure that they're both set up the way you want it to. With your beneficiaries, are you happy to leave them as they are for the time being in super being 40% to Cassandra and 20 to each child, or do you wanna look at Yeah. changing Leave that? it at that for the moment, and then, obviously, yeah, obviously, you have to look at changing that. Yeah. We can deal with that through Well, once the a will's in place. yes. I want my oldest daughter is 18 in January anyway, so she's gonna be in Mhmm. the same boat. Yeah. Yep. Are you and Cassandra sorry to ask this. There's no nice way to ask this. I'm just gonna be blunt. A blended family? A what? Or is it a blended family for all three children your own or, No. like, No. together They're all or mine. And yep. her Okay. yeah.","start_word":6666,"end_word":6922,"sentiment":"neutral","sentiment_score":0.035799035403863},{"text":"Fantastic.","start_word":6923,"end_word":6923,"sentiment":"positive","sentiment_score":0.4951605200767517},{"text":"You're That not that one makes of the new sense. ages not one of the new age families. No. The reason I say that is because it just makes the estate planning structure so much more complicated. So for you guys, it should be a pretty straightforward estate plan. There's no hidden when you do come into blended families, there's a lot more structural considerations to be taken into account. So once you guys have that in place, we can look at changing that beneficiary nomination to go in line with whatever's in the will.","start_word":6924,"end_word":7018,"sentiment":"neutral","sentiment_score":0.05446039140224457},{"text":"Beautiful.","start_word":7019,"end_word":7019,"sentiment":"positive","sentiment_score":0.4406814575195313},{"text":"Yep.","start_word":7020,"end_word":7020,"sentiment":"neutral","sentiment_score":0.275357186794281},{"text":"Lovely.","start_word":7021,"end_word":7021,"sentiment":"positive","sentiment_score":0.4307194948196411},{"text":"No worries at all. Well, I've got some homework to You do. got there So you once got there I in get the end with that late last question. So it's no easy way to ask that. I know. Oh, there's some twisted people out there. I have yep. A 100%. I can I can attest to that as well? Alright. Well, Lee, I've got some homework to do. I'm gonna send you through an email, and then I'll reissue that fee form and whatnot to you, and we can go from there. But I'd say in about if you've got time now, if we can look forward a couple of weeks, booking in some time to just go through those changes for those investment funds. Yep. What about the week beginning the October 12, how are you looking? Am Any I able availability? am I because I'm on I'm going on a cal I'm on a week's holiday, and then I'm Mhmm. coming back. So what I can do is when I get back, revisit things. So if you wanna Of course. I can. give us a bell Yep. or something like that even and because preferably after 03:00 here. The reason I say that is because I'm back on day shift for about three weeks, and anything after 03:00 that then should be fine. Okay. Okay. I do a late on a Thursday, so that will be the fifteenth. So what I might do is put a tentative one in there so no one Yep. steals it. Yep. And I'll confirm in the email to you that I send later Good on today. you.","start_word":7022,"end_word":7297,"sentiment":"neutral","sentiment_score":0.050484055963655315},{"text":"Alright. Beautiful. Thanks for your time, Darren. I really do appreciate it, No worries. and I Thank will you very speak much. to you soon. Okay. Good on you. See Okay. you.","start_word":7298,"end_word":7329,"sentiment":"positive","sentiment_score":0.6268312931060791},{"text":"Bye. Bye. Bye.","start_word":7330,"end_word":7332,"sentiment":"neutral","sentiment_score":0.197331503033638}],"average":{"sentiment":"neutral","sentiment_score":0.03046886479499343}}}}