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Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Lovely. Justin, can I please ask you to confirm your full name and date of birth and address, please? Fantastic. Thank you for that, Justin. I'm phoning today to complete your scheduled and your review. Do you have time to complete that now? Fantastic. Justin, before I jump into it as such, I'd like to just check-in with you and see if there's been any significant changes to your personal or financial situation since your last review. Okay. So we had you down as Transport Logistics, but is it more operational management now? Okay. Fantastic. Have you did you get a pay change in that? That's good. Oh, that's good. Fantastic. That's good. Well, we had your income down as a 100,000. Is that still correct? Beautiful. Alright. Fantastic. Okay. So what I might do is just run through some of the information that can change from time to time to see that to make sure that we it's up to date on our end. So, Justin, I have you down as single. Is that still correct? Yeah. And you have one dependent? Yeah. Is a child yeah. Yep. Okay. Name and age? Lovely. Alright. And we have your mom down here as next of kin, but we don't have her name. Would I be able to get her name? We have your mom listed here as your next of kin. Fantastic. And what's Sandra's best contact number? Oh, yes. Yep. You're alright. Yes. Yes. Yes. Fantastic. Thank you. So be changing to the operational management role, is it all in the office based or do you go Yep. Okay. That's okay. Okay. K. Sorry. I'll just make a note of that. I have your employer as Suncoast Express. Is that still correct? Yeah. And full time, thirty eight hours a week? Alright. We have your savings down at approximately $200 a week. Would that still is that still correct? Yeah. Yeah. So would your expenditure be the difference of your income your weekly income and that savings? Yeah. Okay. And are you making any other additional contributions to super besides what your employer does for you? No. And any EBA arrangement in place with your employer? No. Okay. So I have here that you're renting. Is that still the case? Yes. Yep. Any other assets and liabilities that you can think of? Yeah. Car, cash, any savings? Yep. Yes. Okay. Lovely. Thank you. Alright. I have here that you were bankrupt and it finished in January 2026. Has that all been finalized? Fantastic. And you are a nonsmoker? Yeah. And you don't have a will or power of attorney. Okay. Fantastic. So with your goals and objectives, I just wanna revisit those just to make sure that they're still reflective of your current wishes and what you're aiming to achieve. What your first goal was that you'd like to continue to build your savings and eventually look to purchase your own truck for work purposes over the coming years. Is that something you're still working towards? Yep. Yep. Okay. So you're not looking at your own truck or anything anymore? Nope. Not? Okay. Yeah. Especially with the price of these. Alright? Oh, yes. The next one was that you'd like to retire and have a place in a a place in a nice little country town, be comfortable in your financial position, and you'd like to get a caravan and do some travel around Australia and relax more. Yep. So that is that and so your retirement age, we had down here at 65 with an income made of 1,000 a week. Would that in today's dollars? Would that still be correct? Yes. Okay. Then with your superannuation, you said originally your goal for seeking advice was to get your super working better for you now to ensure long term that you can maximize your balance so you can comfortably retire. How have you what what's your goal with SuperNow? Is it still to ensure that it's invested appropriately, building wealth? What in Yeah. Okay. To build sorry. I'm just making a note of this. Okay. And then you had mentioned that you're keen to have all three types of insurances moving forward being life, TPD, and income protection, and you're happy to consider recommendations from the adviser with what they felt would be an appropriate level of cover given your circumstances. I know that you've got group cover in hub, and it was done that way because retail cover. So that's where you apply for the cover to be underwritten, so just a different type, was really expensive due to your occupation. So given that you're less on the road now, I mean, thirty percent's probably still something that they're gonna consider as a yeah. Do you go outside the 400 kilometers anymore or when you are driving? Okay. Yep. Okay. Would you like me to look at seeing if we can do any retail cover, or are you happy leaving it in the group cover environment? Okay. Yep. Of course. Yeah. Okay. Okay. Fantastic. Alright. That is brilliant. Now what I'm going to do do you have access to your emails at all? Yes? I'm gonna shoot you through a quick email. It's got the review pack, I guess you'd call it. Yep. Fantastic. I'm just gonna bring this up. Are you not driving at the moment, are you? Beautiful. Make sure. Otherwise, I can I can run through it verbally, and you can have a look at it post the meeting because we do do things a little bit more convenient for the clients? So yeah. Let me know when you've have you've got that first page open. That first page there is an overview of your super and insurance. So your superannuation is presently held in the Hub 24 platform with a balance of approximately a $140,809. And your insurance of life and TPD is through the group cover insurance within HUB, and your life is insured for a 193,820, and your TPD is 54,581 with that premium of $214.56 being funded from your superannuation balance in Hub twenty four. The next document over is your performance report from Hub twenty four for the last twelve months. Now the first thing that I'm going to speak about with this report is that first investment, the Powell Australian Equities Fund. You'll see the performance was less than ideal, to say it nicely. The here at Oakview, we've made the company decision that we're reviewing this investment and its appropriateness for all of our clients. Benelon it's not that the Australian share market itself has performed poorly in the last twelve months. It's the different type of investment managers. So and their mandates. So Benelung, for example, their mandate dictates that they seek out undervalued companies in within the Australian share market to look for growth opportunities. It's not a a bad mandate. It's just that the last twelve months, the financials and the resources sector really outperformed. So we're not quick to change in and reactive in that aspect, but given that this has been somewhat of a a trend, we are looking to review that. So if you're happy for me to do that, I would like to go ahead and review that. Beautiful. And then there's one other one I would like to review in your portfolio. Oh, probably two, actually, to be honest with you. The next one down being the Beta Bank Hybrid Fund, that there's nothing wrong with that fund. It's just that there's some regulatory changes coming. So from January 2027, the banks in Australia aren't gonna be offering hybrids as an investment option. So they're going to be phased out. I don't know what it looks like when they're phased out. So what I want to do is be a little bit more proactive in that space and look to see while it's still got great earnings, you know, gross isn't at a significant loss or anything like that. I'd like to be a little bit more proactive and review for an alternative if that's okay with you. Yep. And the other one I'd like to review is the very bottom one, the Van Eck Property ETF. It's a property a direct property fund. So as we know, property's taking a little bit of a hit lately with interest rates and all those lovely things that go along with it. Again, I mean, property, the same with the shares. They're gonna go up and down. That's how a gross asset particularly particularly behaves, ups and downs, I would I am gonna do a little bit of research as to whether that is something that we do replace or not. So if you're you're happy for me to look into those three. Yeah. Is that okay? Yeah. Okay. The remainder of your portfolio, you've got some great diversification. So you've got some global cybersecurity, which has performed fantastically. You have you have the battery tech and lithium global exposure again, so they've performed particularly well given the the uptake in electric vehicles. Yep. And you've got some physical gold exposure, which along with the American s p S and P 500. So you work pretty well diversified across your portfolio. Just a couple of little items we would look to review. So the overall return for your portfolio, which was impacted because of Benelon, was for the last twelve months 3.5%. So you're as a growth investor. Typically, as a growth investor, what we would like to see is an annualized return of anywhere between oh, I think it's seven six to 8% off the top of my head. Let yep. So we have definitely fallen short of that with the Better Long letting us down in that area. But when we look at the the long term growth of the overall portfolio. It's sitting where we want it to in the growth sector. Well, in the growth what we would expect to be gross returns. The next document over is the Vanguard index chart. It's just a little tool that I like to share with clients. Those first four on the right hand side, US shares, Australian shares, international, and Australian listed property, they're your growth assets that I alluded to earlier with your bonds and cash being the defensive part. So as a growth investor, which is how you're tip you're invested at the moment, we would expect to see approximately 80% of your superannuation balance invested in those top four with 20% invested in the bottom two being your defensive assets. So given your age and your access to super, which is at least twenty years away based on current legislation, With a growth investor, we we ex we say the minimum time frame is to be invested invested is for at least six years with the expectation of one in every five years being potentially a negative return. So given your age, your I feel like that that is still appropriate. If you're comfortable, you can even look at upping your exposure to growth assets Should that be something you wanna do, or we can review it at a later time. It's probably more so just passing the sleep at night test is what I call it. So, yeah, so I think probably my question that I'm asking is, are you happy with maintaining that eighty twenty allocation split to growth and defensive assets, or did you wanna look at reviewing that? Yeah. Lovely. Yeah. Yep. That's that's oh, great. Fantastic. That's good to hear. The next document is our financial services guide. So it will explain to you, which you probably received last year also. This is just an updated one. Explains who we are, that we are, who our licensee is, the type of advice we we provide, how we provide it, our fees, and how you can the complaints process should you need to utilize that. The next document is your ongoing service agreement. So similar to receiving it previously, it is the agreement to basically sign up and be a client for another twelve months. So this is now a fixed fee rather than a percent based fee. So it's the annualized amount is $2,439.53. That's then divided by 12 and then deducted monthly. So monthly, it'd be around the $203.29 a mark per month deducted from Hub super balance. And then yeah. And then the final document is, basically, your confirmation that we hold your tax file number on file. So when we established your superannuation fund, we would have got your tax file number to ensure that you weren't taxed excessively in super. So by signing that last form as well, you're just acknowledging that we hold that on file for you. Beautiful. So do you have any questions for me? Lovely. I will in saying that, are you happy to keep them as annual reviews? Did you want them more regular? What was what's your thoughts? Okay. Lovely. With those investment changes that I talked about or alluded to earlier, what I'll do is you'll receive a email from me probably in the next week and a half, I suspect. I'm just looking at the list at the moment. And all it will be is we call it a record of advice. So it's gonna contain the where the investment switches that we recommend being made to replace those funds that I've talked about earlier. And you don't need to action anything. We will make those changes. It's really just for your record, so for your information. Okay? Beautiful. It was lovely speaking with you today, Justin. I really appreciate your time. Oh, wonderful. And if you need anything at any time, please don't hesitate to phone. Thank you. You too. 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Wheeler, Oakview Financial for your annual review meeting. Hi, Justin. This is Jenna Phoning from Oakview Financial. How are you today? That's good.\n\nJust before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Lovely. Justin, can I please ask you to confirm your full name and date of birth and address, please? Fantastic.\n\nThank you for that, Justin. I'm phoning today to complete your scheduled and your review. Do you have time to complete that now? Fantastic. Justin, before I jump into it as such, I'd like to just check-in with you and see if there's been any significant changes to your personal or financial situation since your last review.\n\nOkay. So we had you down as Transport Logistics, but is it more operational management now? Okay. Fantastic. Have you did you get a pay change in that?\n\nThat's good. Oh, that's good. Fantastic. That's good. Well, we had your income down as a 100,000.\n\nIs that still correct? Beautiful. Alright. Fantastic. Okay.\n\nSo what I might do is just run through some of the information that can change from time to time to see that to make sure that we it's up to date on our end. So, Justin, I have you down as single. Is that still correct? Yeah. And you have one dependent?\n\nYeah. Is a child yeah. Yep. Okay. Name and age?\n\nLovely. Alright. And we have your mom down here as next of kin, but we don't have her name. Would I be able to get her name? We have your mom listed here as your next of kin.\n\nFantastic. And what's Sandra's best contact number? Oh, yes. Yep. You're alright.\n\nYes. Yes. Yes. Fantastic. Thank you.\n\nSo be changing to the operational management role, is it all in the office based or do you go Yep. Okay. That's okay. Okay. K.\n\nSorry. I'll just make a note of that. I have your employer as Suncoast Express. Is that still correct? Yeah.\n\nAnd full time, thirty eight hours a week? Alright. We have your savings down at approximately $200 a week. Would that still is that still correct? Yeah.\n\nYeah. So would your expenditure be the difference of your income your weekly income and that savings? Yeah. Okay. And are you making any other additional contributions to super besides what your employer does for you?\n\nNo. And any EBA arrangement in place with your employer? No. Okay. So I have here that you're renting.\n\nIs that still the case? Yes. Yep. Any other assets and liabilities that you can think of? Yeah.\n\nCar, cash, any savings? Yep. Yes. Okay. Lovely.\n\nThank you. Alright. I have here that you were bankrupt and it finished in January 2026. Has that all been finalized? Fantastic.\n\nAnd you are a nonsmoker? Yeah. And you don't have a will or power of attorney. Okay. Fantastic.\n\nSo with your goals and objectives, I just wanna revisit those just to make sure that they're still reflective of your current wishes and what you're aiming to achieve. What your first goal was that you'd like to continue to build your savings and eventually look to purchase your own truck for work purposes over the coming years. Is that something you're still working towards? Yep. Yep.\n\nOkay. So you're not looking at your own truck or anything anymore? Nope. Not? Okay.\n\nYeah. Especially with the price of these. Alright? Oh, yes. The next one was that you'd like to retire and have a place in a a place in a nice little country town, be comfortable in your financial position, and you'd like to get a caravan and do some travel around Australia and relax more.\n\nYep. So that is that and so your retirement age, we had down here at 65 with an income made of 1,000 a week. Would that in today's dollars? Would that still be correct? Yes.\n\nOkay. Then with your superannuation, you said originally your goal for seeking advice was to get your super working better for you now to ensure long term that you can maximize your balance so you can comfortably retire. How have you what what's your goal with SuperNow? Is it still to ensure that it's invested appropriately, building wealth? What in Yeah.\n\nOkay. To build sorry. I'm just making a note of this. Okay. And then you had mentioned that you're keen to have all three types of insurances moving forward being life, TPD, and income protection, and you're happy to consider recommendations from the adviser with what they felt would be an appropriate level of cover given your circumstances.\n\nI know that you've got group cover in hub, and it was done that way because retail cover. So that's where you apply for the cover to be underwritten, so just a different type, was really expensive due to your occupation. So given that you're less on the road now, I mean, thirty percent's probably still something that they're gonna consider as a yeah. Do you go outside the 400 kilometers anymore or when you are driving? Okay.\n\nYep. Okay. Would you like me to look at seeing if we can do any retail cover, or are you happy leaving it in the group cover environment? Okay. Yep.\n\nOf course. Yeah. Okay. Okay. Fantastic.\n\nAlright. That is brilliant. Now what I'm going to do do you have access to your emails at all? Yes? I'm gonna shoot you through a quick email.\n\nIt's got the review pack, I guess you'd call it. Yep. Fantastic. I'm just gonna bring this up. Are you not driving at the moment, are you?\n\nBeautiful. Make sure. Otherwise, I can I can run through it verbally, and you can have a look at it post the meeting because we do do things a little bit more convenient for the clients? So yeah. Let me know when you've have you've got that first page open.\n\nThat first page there is an overview of your super and insurance. So your superannuation is presently held in the Hub 24 platform with a balance of approximately a $140,809. And your insurance of life and TPD is through the group cover insurance within HUB, and your life is insured for a 193,820, and your TPD is 54,581 with that premium of $214.56 being funded from your superannuation balance in Hub twenty four. The next document over is your performance report from Hub twenty four for the last twelve months. Now the first thing that I'm going to speak about with this report is that first investment, the Powell Australian Equities Fund.\n\nYou'll see the performance was less than ideal, to say it nicely. The here at Oakview, we've made the company decision that we're reviewing this investment and its appropriateness for all of our clients. Benelon it's not that the Australian share market itself has performed poorly in the last twelve months. It's the different type of investment managers. So and their mandates.\n\nSo Benelung, for example, their mandate dictates that they seek out undervalued companies in within the Australian share market to look for growth opportunities. It's not a a bad mandate. It's just that the last twelve months, the financials and the resources sector really outperformed. So we're not quick to change in and reactive in that aspect, but given that this has been somewhat of a a trend, we are looking to review that. So if you're happy for me to do that, I would like to go ahead and review that.\n\nBeautiful. And then there's one other one I would like to review in your portfolio. Oh, probably two, actually, to be honest with you. The next one down being the Beta Bank Hybrid Fund, that there's nothing wrong with that fund. It's just that there's some regulatory changes coming.\n\nSo from January 2027, the banks in Australia aren't gonna be offering hybrids as an investment option. So they're going to be phased out. I don't know what it looks like when they're phased out. So what I want to do is be a little bit more proactive in that space and look to see while it's still got great earnings, you know, gross isn't at a significant loss or anything like that. I'd like to be a little bit more proactive and review for an alternative if that's okay with you.\n\nYep. And the other one I'd like to review is the very bottom one, the Van Eck Property ETF. It's a property a direct property fund. So as we know, property's taking a little bit of a hit lately with interest rates and all those lovely things that go along with it. Again, I mean, property, the same with the shares.\n\nThey're gonna go up and down. That's how a gross asset particularly particularly behaves, ups and downs, I would I am gonna do a little bit of research as to whether that is something that we do replace or not. So if you're you're happy for me to look into those three. Yeah. Is that okay?\n\nYeah. Okay. The remainder of your portfolio, you've got some great diversification. So you've got some global cybersecurity, which has performed fantastically. You have you have the battery tech and lithium global exposure again, so they've performed particularly well given the the uptake in electric vehicles.\n\nYep. And you've got some physical gold exposure, which along with the American s p S and P 500. So you work pretty well diversified across your portfolio. Just a couple of little items we would look to review. So the overall return for your portfolio, which was impacted because of Benelon, was for the last twelve months 3.5%.\n\nSo you're as a growth investor. Typically, as a growth investor, what we would like to see is an annualized return of anywhere between oh, I think it's seven six to 8% off the top of my head. Let yep. So we have definitely fallen short of that with the Better Long letting us down in that area. But when we look at the the long term growth of the overall portfolio.\n\nIt's sitting where we want it to in the growth sector. Well, in the growth what we would expect to be gross returns. The next document over is the Vanguard index chart. It's just a little tool that I like to share with clients. Those first four on the right hand side, US shares, Australian shares, international, and Australian listed property, they're your growth assets that I alluded to earlier with your bonds and cash being the defensive part.\n\nSo as a growth investor, which is how you're tip you're invested at the moment, we would expect to see approximately 80% of your superannuation balance invested in those top four with 20% invested in the bottom two being your defensive assets. So given your age and your access to super, which is at least twenty years away based on current legislation, With a growth investor, we we ex we say the minimum time frame is to be invested invested is for at least six years with the expectation of one in every five years being potentially a negative return. So given your age, your I feel like that that is still appropriate. If you're comfortable, you can even look at upping your exposure to growth assets Should that be something you wanna do, or we can review it at a later time. It's probably more so just passing the sleep at night test is what I call it.\n\nSo, yeah, so I think probably my question that I'm asking is, are you happy with maintaining that eighty twenty allocation split to growth and defensive assets, or did you wanna look at reviewing that? Yeah. Lovely. Yeah. Yep.\n\nThat's that's oh, great. Fantastic. That's good to hear. The next document is our financial services guide. So it will explain to you, which you probably received last year also.\n\nThis is just an updated one. Explains who we are, that we are, who our licensee is, the type of advice we we provide, how we provide it, our fees, and how you can the complaints process should you need to utilize that. The next document is your ongoing service agreement. So similar to receiving it previously, it is the agreement to basically sign up and be a client for another twelve months. So this is now a fixed fee rather than a percent based fee.\n\nSo it's the annualized amount is $2,439.53. That's then divided by 12 and then deducted monthly. So monthly, it'd be around the $203.29 a mark per month deducted from Hub super balance. And then yeah. And then the final document is, basically, your confirmation that we hold your tax file number on file.\n\nSo when we established your superannuation fund, we would have got your tax file number to ensure that you weren't taxed excessively in super. So by signing that last form as well, you're just acknowledging that we hold that on file for you. Beautiful. So do you have any questions for me? Lovely.\n\nI will in saying that, are you happy to keep them as annual reviews? Did you want them more regular? What was what's your thoughts? Okay. Lovely.\n\nWith those investment changes that I talked about or alluded to earlier, what I'll do is you'll receive a email from me probably in the next week and a half, I suspect. I'm just looking at the list at the moment. And all it will be is we call it a record of advice. So it's gonna contain the where the investment switches that we recommend being made to replace those funds that I've talked about earlier. And you don't need to action anything.\n\nWe will make those changes. It's really just for your record, so for your information. Okay? Beautiful. It was lovely speaking with you today, Justin.\n\nI really appreciate your time. Oh, wonderful. And if you need anything at any time, please don't hesitate to phone. Thank you. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Jenna Wheeler, Oakview Financial for your annual review meeting.","start":8.0,"end":12.34,"sentiment":"neutral","sentiment_score":0.0656573006676303},{"text":"Hi, Justin.","start":35.059998,"end":35.78,"sentiment":"neutral","sentiment_score":0.12762313708662987},{"text":"This is Jenna Phoning from Oakview Financial.","start":35.78,"end":37.88,"sentiment":"neutral","sentiment_score":0.14199294788496836},{"text":"How are you today?","start":37.94,"end":38.92,"sentiment":"neutral","sentiment_score":0.17384933680295944},{"text":"That's good.","start":40.535,"end":41.355,"sentiment":"positive","sentiment_score":0.4736383557319641}],"sentiment":"neutral","sentiment_score":0.1451161114188532,"num_words":24,"start":8.0,"end":41.355},{"sentences":[{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":41.415,"end":46.235,"sentiment":"neutral","sentiment_score":0.031567838933804764},{"text":"Is that okay?","start":46.295,"end":47.114998,"sentiment":"neutral","sentiment_score":0.06026822701096535},{"text":"Lovely.","start":49.254997,"end":49.754997,"sentiment":"neutral","sentiment_score":0.21537715196609497},{"text":"Justin, can I please ask you to confirm your full name and date of birth and address, please?","start":50.855,"end":55.69,"sentiment":"neutral","sentiment_score":0.07958626995484035},{"text":"Fantastic.","start":65.924995,"end":66.424995,"sentiment":"positive","sentiment_score":0.49896571040153503}],"sentiment":"neutral","sentiment_score":0.06638610213185134,"num_words":46,"start":41.415,"end":66.424995},{"sentences":[{"text":"Thank you for that, Justin.","start":66.564995,"end":67.865,"sentiment":"positive","sentiment_score":0.5125798940658569},{"text":"I'm phoning today to complete your scheduled and your review.","start":69.045,"end":72.965,"sentiment":"neutral","sentiment_score":0.3121067672967911},{"text":"Do you have time to complete that now?","start":72.965,"end":74.985,"sentiment":"neutral","sentiment_score":0.11186093045398593},{"text":"Fantastic.","start":76.805,"end":77.305,"sentiment":"neutral","sentiment_score":0.3027253746986389},{"text":"Justin, before I jump into it as such, I'd like to just check-in with you and see if there's been any significant changes to your personal or financial situation since your last review.","start":78.649994,"end":90.509995,"sentiment":"neutral","sentiment_score":0.05299681154164401}],"sentiment":"neutral","sentiment_score":0.15141183758775392,"num_words":57,"start":66.564995,"end":90.509995},{"sentences":[{"text":"Okay.","start":102.925,"end":103.425,"sentiment":"neutral","sentiment_score":-0.009340365417301657},{"text":"So we had you down as Transport Logistics, but is it more operational management now?","start":103.829994,"end":110.009995,"sentiment":"neutral","sentiment_score":-0.013631699047982693},{"text":"Okay.","start":112.95,"end":113.45,"sentiment":"neutral","sentiment_score":0.10319137573242188},{"text":"Fantastic.","start":115.03,"end":115.53,"sentiment":"neutral","sentiment_score":0.20925426483154297},{"text":"Have you did you get a pay change in that?","start":115.75,"end":119.555,"sentiment":"neutral","sentiment_score":0.053504316881299016}],"sentiment":"neutral","sentiment_score":0.022631177079996893,"num_words":28,"start":102.925,"end":119.555},{"sentences":[{"text":"That's good.","start":126.735,"end":127.634995,"sentiment":"neutral","sentiment_score":0.22535822540521622},{"text":"Oh, that's good.","start":130.895,"end":132.20001,"sentiment":"neutral","sentiment_score":0.07029037612179916},{"text":"Fantastic.","start":133.14,"end":133.64,"sentiment":"positive","sentiment_score":0.3426037132740021},{"text":"That's good.","start":134.1,"end":134.92001,"sentiment":"neutral","sentiment_score":0.2700038105249405},{"text":"Well, we had your income down as a 100,000.","start":134.98001,"end":137.62001,"sentiment":"neutral","sentiment_score":0.03978702839877871}],"sentiment":"neutral","sentiment_score":0.11189895112286596,"num_words":17,"start":126.735,"end":137.62001},{"sentences":[{"text":"Is that still correct?","start":137.62001,"end":139.40001,"sentiment":"neutral","sentiment_score":0.038513092789798975},{"text":"Beautiful.","start":140.98001,"end":141.48001,"sentiment":"neutral","sentiment_score":0.28007733821868896},{"text":"Alright.","start":141.86,"end":142.26001,"sentiment":"neutral","sentiment_score":0.08226251602172852},{"text":"Fantastic.","start":142.26001,"end":142.76001,"sentiment":"positive","sentiment_score":0.7762038707733154},{"text":"Okay.","start":143.38,"end":143.70001,"sentiment":"positive","sentiment_score":0.37467992305755615}],"sentiment":"neutral","sentiment_score":0.20840950240381062,"num_words":8,"start":137.62001,"end":143.70001},{"sentences":[{"text":"So what I might do is just run through some of the information that can change from time to time to see that to make sure that we it's up to date on our end.","start":143.70001,"end":153.935,"sentiment":"neutral","sentiment_score":0.10238429435661861},{"text":"So, Justin, I have you down as single.","start":154.555,"end":157.435,"sentiment":"neutral","sentiment_score":0.018282711622305214},{"text":"Is that still correct?","start":157.435,"end":158.575,"sentiment":"neutral","sentiment_score":0.015345239080488682},{"text":"Yeah.","start":159.98,"end":160.48,"sentiment":"neutral","sentiment_score":0.015897300094366074},{"text":"And you have one dependent?","start":160.94,"end":162.72,"sentiment":"neutral","sentiment_score":0.009320218302309512}],"sentiment":"neutral","sentiment_score":0.07270927062996153,"num_words":53,"start":143.70001,"end":162.72},{"sentences":[{"text":"Yeah.","start":164.54,"end":165.04,"sentiment":"neutral","sentiment_score":0.013177388347685335},{"text":"Is a child yeah.","start":165.42,"end":171.58,"sentiment":"neutral","sentiment_score":0.014513805042952299},{"text":"Yep.","start":171.58,"end":171.945,"sentiment":"neutral","sentiment_score":0.020725639536976814},{"text":"Okay.","start":172.18501,"end":172.68501,"sentiment":"neutral","sentiment_score":0.015290304087102411},{"text":"Name and age?","start":173.705,"end":174.76501,"sentiment":"neutral","sentiment_score":0.010649025440216064}],"sentiment":"neutral","sentiment_score":0.013919562846422196,"num_words":10,"start":164.54,"end":174.76501},{"sentences":[{"text":"Lovely.","start":179.785,"end":180.285,"sentiment":"neutral","sentiment_score":0.28627103567123413},{"text":"Alright.","start":182.02501,"end":182.505,"sentiment":"neutral","sentiment_score":0.09093053638935088},{"text":"And we have your mom down here as next of kin, but we don't have her name.","start":182.505,"end":186.925,"sentiment":"neutral","sentiment_score":-0.008729894782471307},{"text":"Would I be able to get her name?","start":187.26,"end":188.87999,"sentiment":"neutral","sentiment_score":-0.01909400033764541},{"text":"We have your mom listed here as your next of kin.","start":189.42,"end":192.64,"sentiment":"neutral","sentiment_score":-0.0028744629922915588}],"sentiment":"neutral","sentiment_score":0.0011690069774263783,"num_words":38,"start":179.785,"end":192.64},{"sentences":[{"text":"Fantastic.","start":195.57999,"end":196.07999,"sentiment":"positive","sentiment_score":0.34721070528030396},{"text":"And what's Sandra's best contact number?","start":196.7,"end":199.12,"sentiment":"neutral","sentiment_score":0.08938016866644223},{"text":"Oh, yes.","start":211.275,"end":211.855,"sentiment":"neutral","sentiment_score":0.012855701614171267},{"text":"Yep.","start":211.995,"end":212.495,"sentiment":"neutral","sentiment_score":0.016681930050253868},{"text":"You're alright.","start":222.89,"end":223.71,"sentiment":"neutral","sentiment_score":0.03201018273830414}],"sentiment":"neutral","sentiment_score":0.08249211800284684,"num_words":12,"start":195.57999,"end":223.71},{"sentences":[{"text":"Yes.","start":231.30501,"end":231.80501,"sentiment":"neutral","sentiment_score":0.020303793251514435},{"text":"Yes.","start":234.345,"end":234.845,"sentiment":"neutral","sentiment_score":0.018700793385505676},{"text":"Yes.","start":237.705,"end":238.205,"sentiment":"neutral","sentiment_score":0.03434623032808304},{"text":"Fantastic.","start":241.96,"end":242.46,"sentiment":"positive","sentiment_score":0.4310097396373749},{"text":"Thank you.","start":242.68001,"end":243.42,"sentiment":"positive","sentiment_score":0.41847069561481476}],"sentiment":"neutral","sentiment_score":0.2235503246386846,"num_words":6,"start":231.30501,"end":243.42},{"sentences":[{"text":"So be changing to the operational management role, is it all in the office based or do you go Yep.","start":245.24,"end":255.165,"sentiment":"neutral","sentiment_score":0.024916132912039757},{"text":"Okay.","start":260.345,"end":260.845,"sentiment":"neutral","sentiment_score":-0.028675131499767303},{"text":"That's okay.","start":261.625,"end":262.525,"sentiment":"neutral","sentiment_score":-0.01301408465951681},{"text":"Okay.","start":265.63998,"end":266.13998,"sentiment":"neutral","sentiment_score":0.004198935814201832},{"text":"K.","start":267.32,"end":267.82,"sentiment":"neutral","sentiment_score":-0.007402579300105572}],"sentiment":"neutral","sentiment_score":0.017616628557443618,"num_words":25,"start":245.24,"end":267.82},{"sentences":[{"text":"Sorry.","start":268.91998,"end":269.4,"sentiment":"neutral","sentiment_score":-0.023975715041160583},{"text":"I'll just make a note of that.","start":269.4,"end":271.25998,"sentiment":"neutral","sentiment_score":-0.0009761286367263113},{"text":"I have your employer as Suncoast Express.","start":274.36,"end":276.75998,"sentiment":"neutral","sentiment_score":0.014767133497766085},{"text":"Is that still correct?","start":276.75998,"end":277.97998,"sentiment":"neutral","sentiment_score":0.013062283396720886},{"text":"Yeah.","start":280.085,"end":280.585,"sentiment":"neutral","sentiment_score":0.017734847962856293}],"sentiment":"neutral","sentiment_score":0.007127265026792884,"num_words":20,"start":268.91998,"end":280.585},{"sentences":[{"text":"And full time, thirty eight hours a week?","start":280.965,"end":284.10498,"sentiment":"neutral","sentiment_score":0.008998662291560322},{"text":"Alright.","start":288.085,"end":288.585,"sentiment":"neutral","sentiment_score":0.016587834805250168},{"text":"We have your savings down at approximately $200 a week.","start":288.72498,"end":292.565,"sentiment":"neutral","sentiment_score":-0.008305302634835244},{"text":"Would that still is that still correct?","start":292.565,"end":294.47,"sentiment":"neutral","sentiment_score":-0.028536039271524975},{"text":"Yeah.","start":298.21002,"end":298.71002,"sentiment":"neutral","sentiment_score":0.04625976085662842}],"sentiment":"neutral","sentiment_score":-0.005480311379802448,"num_words":27,"start":280.965,"end":298.71002},{"sentences":[{"text":"Yeah.","start":298.77002,"end":299.25,"sentiment":"neutral","sentiment_score":0.031717367470264435},{"text":"So would your expenditure be the difference of your income your weekly income and that savings?","start":299.25,"end":304.63,"sentiment":"neutral","sentiment_score":0.023057035403326154},{"text":"Yeah.","start":307.89,"end":308.29,"sentiment":"neutral","sentiment_score":0.040826573967933655},{"text":"Okay.","start":308.29,"end":308.79,"sentiment":"neutral","sentiment_score":0.04019799828529358},{"text":"And are you making any other additional contributions to super besides what your employer does for you?","start":309.435,"end":315.215,"sentiment":"neutral","sentiment_score":0.027782377896501738}],"sentiment":"neutral","sentiment_score":0.026498748067145545,"num_words":36,"start":298.77002,"end":315.215},{"sentences":[{"text":"No.","start":317.275,"end":317.775,"sentiment":"neutral","sentiment_score":-0.0820126086473465},{"text":"And any EBA arrangement in place with your employer?","start":317.995,"end":321.29498,"sentiment":"neutral","sentiment_score":-0.051809634599420756},{"text":"No.","start":322.875,"end":323.375,"sentiment":"neutral","sentiment_score":-0.05479152500629425},{"text":"Okay.","start":324.07498,"end":324.57498,"sentiment":"neutral","sentiment_score":-0.024966927245259285},{"text":"So I have here that you're renting.","start":324.8,"end":326.82,"sentiment":"neutral","sentiment_score":-0.007213713468185493}],"sentiment":"neutral","sentiment_score":-0.03571335613531502,"num_words":19,"start":317.275,"end":326.82},{"sentences":[{"text":"Is that still the case?","start":327.36002,"end":328.66,"sentiment":"neutral","sentiment_score":-0.001624908484518528},{"text":"Yes.","start":329.84,"end":330.32,"sentiment":"neutral","sentiment_score":0.03131614625453949},{"text":"Yep.","start":330.32,"end":330.82,"sentiment":"neutral","sentiment_score":0.027703678235411644},{"text":"Any other assets and liabilities that you can think of?","start":331.12,"end":334.5,"sentiment":"neutral","sentiment_score":0.013427388109266757},{"text":"Yeah.","start":342.57498,"end":343.07498,"sentiment":"neutral","sentiment_score":0.005579973571002483}],"sentiment":"neutral","sentiment_score":0.01059717426283492,"num_words":18,"start":327.36002,"end":343.07498},{"sentences":[{"text":"Car, cash, any savings?","start":343.375,"end":345.47498,"sentiment":"neutral","sentiment_score":0.0023088647285476327},{"text":"Yep.","start":350.895,"end":351.33,"sentiment":"neutral","sentiment_score":-0.003009533043950796},{"text":"Yes.","start":351.56998,"end":352.06998,"sentiment":"neutral","sentiment_score":0.02234497107565403},{"text":"Okay.","start":354.68997,"end":355.18997,"sentiment":"neutral","sentiment_score":-0.01839511841535568},{"text":"Lovely.","start":357.40997,"end":357.90997,"sentiment":"positive","sentiment_score":0.3846500217914582}],"sentiment":"neutral","sentiment_score":0.04935322504024953,"num_words":8,"start":343.375,"end":357.90997},{"sentences":[{"text":"Thank you.","start":358.12997,"end":358.94998,"sentiment":"positive","sentiment_score":0.42996811866760254},{"text":"Alright.","start":359.56998,"end":360.06998,"sentiment":"neutral","sentiment_score":0.13027074933052063},{"text":"I have here that you were bankrupt and it finished in January 2026.","start":362.68997,"end":367.455,"sentiment":"neutral","sentiment_score":0.045240990817546844},{"text":"Has that all been finalized?","start":367.455,"end":368.675,"sentiment":"neutral","sentiment_score":0.05985932126641273},{"text":"Fantastic.","start":370.975,"end":371.475,"sentiment":"positive","sentiment_score":0.3611476421356201}],"sentiment":"neutral","sentiment_score":0.10176291435279629,"num_words":22,"start":358.12997,"end":371.475},{"sentences":[{"text":"And you are a nonsmoker?","start":373.375,"end":376.275,"sentiment":"neutral","sentiment_score":0.09959213137626648},{"text":"Yeah.","start":378.655,"end":379.155,"sentiment":"neutral","sentiment_score":-0.006258003413677216},{"text":"And you don't have a will or power of attorney.","start":380.31,"end":382.97,"sentiment":"neutral","sentiment_score":-0.07507981583476067},{"text":"Okay.","start":387.51,"end":387.91,"sentiment":"neutral","sentiment_score":0.18798182904720304},{"text":"Fantastic.","start":387.91,"end":388.41,"sentiment":"positive","sentiment_score":0.39147913455963135}],"sentiment":"neutral","sentiment_score":0.017798081040382385,"num_words":18,"start":373.375,"end":388.41},{"sentences":[{"text":"So with your goals and objectives, I just wanna revisit those just to make sure that they're still reflective of your current wishes and what you're aiming to achieve.","start":389.91,"end":399.58502,"sentiment":"neutral","sentiment_score":0.21830598239240975},{"text":"What your first goal was that you'd like to continue to build your savings and eventually look to purchase your own truck for work purposes over the coming years.","start":400.92502,"end":409.05,"sentiment":"neutral","sentiment_score":0.14965215094130616},{"text":"Is that something you're still working towards?","start":409.12997,"end":410.90997,"sentiment":"neutral","sentiment_score":0.08229241147637367},{"text":"Yep.","start":415.61,"end":416.11,"sentiment":"neutral","sentiment_score":-0.22014328837394712},{"text":"Yep.","start":438.83,"end":439.33,"sentiment":"neutral","sentiment_score":0.06066502630710602}],"sentiment":"neutral","sentiment_score":0.16548290276038113,"num_words":67,"start":389.91,"end":439.33},{"sentences":[{"text":"Okay.","start":442.99,"end":443.49,"sentiment":"neutral","sentiment_score":0.00790960993617773},{"text":"So you're not looking at your own truck or anything anymore?","start":443.71,"end":447.72998,"sentiment":"neutral","sentiment_score":-0.06453448720276356},{"text":"Nope.","start":447.94998,"end":448.305,"sentiment":"neutral","sentiment_score":-0.2927515506744385},{"text":"Not?","start":451.345,"end":451.66498,"sentiment":"neutral","sentiment_score":-0.18905863165855408},{"text":"Okay.","start":451.66498,"end":452.16498,"sentiment":"neutral","sentiment_score":-0.25418227910995483}],"sentiment":"neutral","sentiment_score":-0.09586414738247792,"num_words":15,"start":442.99,"end":452.16498},{"sentences":[{"text":"Yeah.","start":456.465,"end":456.865,"sentiment":"neutral","sentiment_score":-0.1990819275379181},{"text":"Especially with the price of these.","start":456.865,"end":458.065,"sentiment":"neutral","sentiment_score":-0.23731919129689535},{"text":"Alright?","start":458.065,"end":458.565,"sentiment":"neutral","sentiment_score":-0.05213377624750137},{"text":"Oh, yes.","start":465.23,"end":466.13,"sentiment":"neutral","sentiment_score":0.1711544618010521},{"text":"The next one was that you'd like to retire and have a place in a a place in a nice little country town, be comfortable in your financial position, and you'd like to get a caravan and do some travel around Australia and relax more.","start":469.31,"end":482.805,"sentiment":"neutral","sentiment_score":0.23810370680358675}],"sentiment":"neutral","sentiment_score":0.17057899778539484,"num_words":55,"start":456.465,"end":482.805},{"sentences":[{"text":"Yep.","start":485.745,"end":486.245,"sentiment":"neutral","sentiment_score":0.18430545926094055},{"text":"So that is that and so your retirement age, we had down here at 65 with an income made of 1,000 a week.","start":487.10498,"end":493.745,"sentiment":"neutral","sentiment_score":0.08535816358483356},{"text":"Would that in today's dollars?","start":493.745,"end":495.39,"sentiment":"neutral","sentiment_score":0.03769592680037022},{"text":"Would that still be correct?","start":495.39,"end":496.85,"sentiment":"neutral","sentiment_score":0.03480053618550301},{"text":"Yes.","start":503.39,"end":503.89,"sentiment":"neutral","sentiment_score":0.08562162518501282}],"sentiment":"neutral","sentiment_score":0.0741613474807569,"num_words":35,"start":485.745,"end":503.89},{"sentences":[{"text":"Okay.","start":503.95,"end":504.45,"sentiment":"neutral","sentiment_score":0.12693655490875244},{"text":"Then with your superannuation, you said originally your goal for seeking advice was to get your super working better for you now to ensure long term that you can maximize your balance so you can comfortably retire.","start":506.715,"end":521.51,"sentiment":"neutral","sentiment_score":0.22999759864162755},{"text":"How have you what what's your goal with SuperNow?","start":522.05,"end":525.67,"sentiment":"neutral","sentiment_score":0.15601893762747446},{"text":"Is it still to ensure that it's invested appropriately, building wealth?","start":525.81,"end":530.55,"sentiment":"neutral","sentiment_score":0.14424830200997266},{"text":"What in Yeah.","start":530.93,"end":535.315,"sentiment":"neutral","sentiment_score":0.12845449397961298}],"sentiment":"neutral","sentiment_score":0.19693627782532427,"num_words":61,"start":503.95,"end":535.315},{"sentences":[{"text":"Okay.","start":541.055,"end":541.555,"sentiment":"neutral","sentiment_score":0.06738538295030594},{"text":"To build sorry.","start":543.21497,"end":545.455,"sentiment":"neutral","sentiment_score":-0.08264755830168724},{"text":"I'm just making a note of this.","start":545.455,"end":547.15497,"sentiment":"neutral","sentiment_score":-0.0358691896711077},{"text":"Okay.","start":548.89996,"end":549.39996,"sentiment":"neutral","sentiment_score":0.2058727741241455},{"text":"And then you had mentioned that you're keen to have all three types of insurances moving forward being life, TPD, and income protection, and you're happy to consider recommendations from the adviser with what they felt would be an appropriate level of cover given your circumstances.","start":549.86,"end":566.955,"sentiment":"positive","sentiment_score":0.40410044400588324}],"sentiment":"neutral","sentiment_score":0.31660088928865976,"num_words":58,"start":541.055,"end":566.955},{"sentences":[{"text":"I know that you've got group cover in hub, and it was done that way because retail cover.","start":568.615,"end":576.27,"sentiment":"neutral","sentiment_score":0.11267719666163127},{"text":"So that's where you apply for the cover to be underwritten, so just a different type, was really expensive due to your occupation.","start":576.35004,"end":583.97003,"sentiment":"neutral","sentiment_score":-0.08929508179426193},{"text":"So given that you're less on the road now, I mean, thirty percent's probably still something that they're gonna consider as a yeah.","start":585.95,"end":600.635,"sentiment":"neutral","sentiment_score":0.091423232594262},{"text":"Do you go outside the 400 kilometers anymore or when you are driving?","start":600.85504,"end":605.03503,"sentiment":"neutral","sentiment_score":0.005794918200430961},{"text":"Okay.","start":616.25,"end":616.75,"sentiment":"neutral","sentiment_score":0.1010754406452179}],"sentiment":"neutral","sentiment_score":0.028891620327694677,"num_words":78,"start":568.615,"end":616.75},{"sentences":[{"text":"Yep.","start":617.05,"end":617.55,"sentiment":"neutral","sentiment_score":0.0832548514008522},{"text":"Okay.","start":619.45,"end":619.95,"sentiment":"neutral","sentiment_score":0.06550335139036179},{"text":"Would you like me to look at seeing if we can do any retail cover, or are you happy leaving it in the group cover environment?","start":621.185,"end":628.16504,"sentiment":"neutral","sentiment_score":0.06727185214941318},{"text":"Okay.","start":632.145,"end":632.645,"sentiment":"neutral","sentiment_score":0.03487784415483475},{"text":"Yep.","start":642.25,"end":642.75,"sentiment":"neutral","sentiment_score":0.014324340969324112}],"sentiment":"neutral","sentiment_score":0.06490095146000385,"num_words":30,"start":617.05,"end":642.75},{"sentences":[{"text":"Of course.","start":649.385,"end":650.125,"sentiment":"neutral","sentiment_score":0.010492834262549877},{"text":"Yeah.","start":655.865,"end":656.365,"sentiment":"neutral","sentiment_score":0.1299099624156952},{"text":"Okay.","start":665.61,"end":666.11,"sentiment":"neutral","sentiment_score":0.17419642210006714},{"text":"Okay.","start":666.25,"end":666.64996,"sentiment":"neutral","sentiment_score":0.2466113418340683},{"text":"Fantastic.","start":666.64996,"end":667.14996,"sentiment":"positive","sentiment_score":0.6943625807762146}],"sentiment":"neutral","sentiment_score":0.2110109959418575,"num_words":6,"start":649.385,"end":667.14996},{"sentences":[{"text":"Alright.","start":667.76996,"end":668.26996,"sentiment":"positive","sentiment_score":0.5002933740615845},{"text":"That is brilliant.","start":668.41,"end":670.43,"sentiment":"positive","sentiment_score":0.7846110860506693},{"text":"Now what I'm going to do do you have access to your emails at all?","start":671.37,"end":675.135,"sentiment":"neutral","sentiment_score":0.09256756007671356},{"text":"Yes?","start":677.055,"end":677.455,"sentiment":"neutral","sentiment_score":0.04160695523023605},{"text":"I'm gonna shoot you through a quick email.","start":677.455,"end":679.875,"sentiment":"neutral","sentiment_score":0.07757914764806628}],"sentiment":"neutral","sentiment_score":0.17517429177782365,"num_words":28,"start":667.76996,"end":679.875},{"sentences":[{"text":"It's got the review pack, I guess you'd call it.","start":680.895,"end":685.315,"sentiment":"neutral","sentiment_score":0.08339419513940811},{"text":"Yep.","start":686.815,"end":687.295,"sentiment":"neutral","sentiment_score":0.14533939957618713},{"text":"Fantastic.","start":687.295,"end":687.795,"sentiment":"positive","sentiment_score":0.5369077324867249},{"text":"I'm just gonna bring this up.","start":688.495,"end":690.59503,"sentiment":"neutral","sentiment_score":0.20400920261939368},{"text":"Are you not driving at the moment, are you?","start":696.53,"end":698.71,"sentiment":"neutral","sentiment_score":0.014039347672628032}],"sentiment":"neutral","sentiment_score":0.10617031215655583,"num_words":27,"start":680.895,"end":698.71},{"sentences":[{"text":"Beautiful.","start":701.01,"end":701.51,"sentiment":"positive","sentiment_score":0.4215883016586304},{"text":"Make sure.","start":701.89,"end":702.61,"sentiment":"neutral","sentiment_score":0.23168295621871948},{"text":"Otherwise, I can I can run through it verbally, and you can have a look at it post the meeting because we do do things a little bit more convenient for the clients?","start":702.61,"end":716.845,"sentiment":"neutral","sentiment_score":0.13952037421139804},{"text":"So yeah.","start":717.46497,"end":719.88,"sentiment":"neutral","sentiment_score":0.008460851386189464},{"text":"Let me know when you've have you've got that first page open.","start":719.88,"end":723.02,"sentiment":"neutral","sentiment_score":0.042814944249888263}],"sentiment":"neutral","sentiment_score":0.12039655193686485,"num_words":50,"start":701.01,"end":723.02},{"sentences":[{"text":"That first page there is an overview of your super and insurance.","start":725.48004,"end":729.74,"sentiment":"neutral","sentiment_score":0.05331140818695227},{"text":"So your superannuation is presently held in the Hub 24 platform with a balance of approximately a $140,809.","start":729.88,"end":739.705,"sentiment":"neutral","sentiment_score":0.0372988014585442},{"text":"And your insurance of life and TPD is through the group cover insurance within HUB, and your life is insured for a 193,820, and your TPD is 54,581 with that premium of $214.56 being funded from your superannuation balance in Hub twenty four.","start":740.885,"end":764.045,"sentiment":"neutral","sentiment_score":0.033897320068506306},{"text":"The next document over is your performance report from Hub twenty four for the last twelve months.","start":765.865,"end":771.565,"sentiment":"neutral","sentiment_score":0.002230092335273238},{"text":"Now the first thing that I'm going to speak about with this report is that first investment, the Powell Australian Equities Fund.","start":772.265,"end":779.01,"sentiment":"neutral","sentiment_score":-0.13410459763624452}],"sentiment":"neutral","sentiment_score":-0.0012829418826316083,"num_words":112,"start":725.48004,"end":779.01},{"sentences":[{"text":"You'll see the performance was less than ideal, to say it nicely.","start":779.17,"end":785.91003,"sentiment":"neutral","sentiment_score":-0.3168560527265072},{"text":"The here at Oakview, we've made the company decision that we're reviewing this investment and its appropriateness for all of our clients.","start":787.65,"end":798.59503,"sentiment":"neutral","sentiment_score":-0.09108320014043288},{"text":"Benelon it's not that the Australian share market itself has performed poorly in the last twelve months.","start":800.255,"end":805.635,"sentiment":"neutral","sentiment_score":-0.2260435889748966},{"text":"It's the different type of investment managers.","start":805.85504,"end":808.39996,"sentiment":"neutral","sentiment_score":-0.1322015172668866},{"text":"So and their mandates.","start":808.45996,"end":810.06,"sentiment":"neutral","sentiment_score":-0.08971461281180382}],"sentiment":"neutral","sentiment_score":-0.1763405342015528,"num_words":62,"start":779.17,"end":810.06},{"sentences":[{"text":"So Benelung, for example, their mandate dictates that they seek out undervalued companies in within the Australian share market to look for growth opportunities.","start":810.06,"end":821.985,"sentiment":"neutral","sentiment_score":-0.02654679398983717},{"text":"It's not a a bad mandate.","start":824.045,"end":825.565,"sentiment":"neutral","sentiment_score":-0.033376180877288185},{"text":"It's just that the last twelve months, the financials and the resources sector really outperformed.","start":825.565,"end":831.265,"sentiment":"positive","sentiment_score":0.44734667738278705},{"text":"So we're not quick to change in and reactive in that aspect, but given that this has been somewhat of a a trend, we are looking to review that.","start":832.12,"end":843.07996,"sentiment":"neutral","sentiment_score":0.0679135831265614},{"text":"So if you're happy for me to do that, I would like to go ahead and review that.","start":843.07996,"end":846.435,"sentiment":"positive","sentiment_score":0.3765833286775483}],"sentiment":"neutral","sentiment_score":0.15892188963682755,"num_words":92,"start":810.06,"end":846.435},{"sentences":[{"text":"Beautiful.","start":849.15497,"end":849.65497,"sentiment":"positive","sentiment_score":0.4768318831920624},{"text":"And then there's one other one I would like to review in your portfolio.","start":850.035,"end":853.495,"sentiment":"neutral","sentiment_score":0.13786073082259723},{"text":"Oh, probably two, actually, to be honest with you.","start":853.955,"end":857.015,"sentiment":"neutral","sentiment_score":0.06853361676136653},{"text":"The next one down being the Beta Bank Hybrid Fund, that there's nothing wrong with that fund.","start":857.875,"end":864.23004,"sentiment":"neutral","sentiment_score":0.08822641938048251},{"text":"It's just that there's some regulatory changes coming.","start":865.01,"end":868.61005,"sentiment":"neutral","sentiment_score":0.001743730332236737}],"sentiment":"neutral","sentiment_score":0.09260170689156773,"num_words":49,"start":849.15497,"end":868.61005},{"sentences":[{"text":"So from January 2027, the banks in Australia aren't gonna be offering hybrids as an investment option.","start":868.61005,"end":875.43005,"sentiment":"neutral","sentiment_score":-0.004972426932962502},{"text":"So they're going to be phased out.","start":875.725,"end":877.745,"sentiment":"neutral","sentiment_score":-0.09815524358834539},{"text":"I don't know what it looks like when they're phased out.","start":878.045,"end":881.025,"sentiment":"neutral","sentiment_score":-0.12836467271501367},{"text":"So what I want to do is be a little bit more proactive in that space and look to see while it's still got great earnings, you know, gross isn't at a significant loss or anything like that.","start":881.485,"end":895.95,"sentiment":"neutral","sentiment_score":0.03074742441898898},{"text":"I'd like to be a little bit more proactive and review for an alternative if that's okay with you.","start":896.01,"end":902.27,"sentiment":"neutral","sentiment_score":0.0696864110466681}],"sentiment":"neutral","sentiment_score":0.0033566801626559186,"num_words":92,"start":868.61005,"end":902.27},{"sentences":[{"text":"Yep.","start":904.01,"end":904.455,"sentiment":"neutral","sentiment_score":0.09679858386516572},{"text":"And the other one I'd like to review is the very bottom one, the Van Eck Property ETF.","start":904.615,"end":909.115,"sentiment":"neutral","sentiment_score":0.08063966015146838},{"text":"It's a property a direct property fund.","start":910.85504,"end":913.335,"sentiment":"neutral","sentiment_score":0.029116322685565268},{"text":"So as we know, property's taking a little bit of a hit lately with interest rates and all those lovely things that go along with it.","start":913.335,"end":921.57996,"sentiment":"neutral","sentiment_score":-0.019098472853119556},{"text":"Again, I mean, property, the same with the shares.","start":922.92,"end":925.95996,"sentiment":"neutral","sentiment_score":-0.016737121467789013}],"sentiment":"neutral","sentiment_score":0.018113644885235144,"num_words":61,"start":904.01,"end":925.95996},{"sentences":[{"text":"They're gonna go up and down.","start":925.95996,"end":927.24,"sentiment":"neutral","sentiment_score":-0.0256146186341842},{"text":"That's how a gross asset particularly particularly behaves, ups and downs, I would I am gonna do a little bit of research as to whether that is something that we do replace or not.","start":927.24,"end":943.575,"sentiment":"neutral","sentiment_score":-0.0031824777149321404},{"text":"So if you're you're happy for me to look into those three.","start":943.575,"end":947.035,"sentiment":"neutral","sentiment_score":0.0616003122801582},{"text":"Yeah.","start":950.32,"end":950.56006,"sentiment":"neutral","sentiment_score":0.11159975826740264},{"text":"Is that okay?","start":950.56006,"end":951.46,"sentiment":"neutral","sentiment_score":0.0946339579919974}],"sentiment":"neutral","sentiment_score":0.015585954026651703,"num_words":56,"start":925.95996,"end":951.46},{"sentences":[{"text":"Yeah.","start":953.84,"end":954.16003,"sentiment":"neutral","sentiment_score":0.18866318464279175},{"text":"Okay.","start":954.16003,"end":954.66003,"sentiment":"neutral","sentiment_score":0.2742308974266052},{"text":"The remainder of your portfolio, you've got some great diversification.","start":955.44,"end":959.06006,"sentiment":"positive","sentiment_score":0.5864395588636399},{"text":"So you've got some global cybersecurity, which has performed fantastically.","start":959.44,"end":963.65497,"sentiment":"positive","sentiment_score":0.567058128118515},{"text":"You have you have the battery tech and lithium global exposure again, so they've performed particularly well given the the uptake in electric vehicles.","start":964.675,"end":979.38995,"sentiment":"positive","sentiment_score":0.38574184974034625}],"sentiment":"positive","sentiment_score":0.4620798988186795,"num_words":46,"start":953.84,"end":979.38995},{"sentences":[{"text":"Yep.","start":981.76996,"end":982.26996,"sentiment":"neutral","sentiment_score":0.250046968460083},{"text":"And you've got some physical gold exposure, which along with the American s p S and P 500.","start":982.41,"end":990.975,"sentiment":"neutral","sentiment_score":0.26635190347830456},{"text":"So you work pretty well diversified across your portfolio.","start":990.975,"end":995.315,"sentiment":"neutral","sentiment_score":0.3306185164385372},{"text":"Just a couple of little items we would look to review.","start":995.455,"end":1000.435,"sentiment":"neutral","sentiment_score":0.04876534945585511},{"text":"So the overall return for your portfolio, which was impacted because of Benelon, was for the last twelve months 3.5%.","start":1003.95,"end":1013.09,"sentiment":"neutral","sentiment_score":0.10035966187715531}],"sentiment":"neutral","sentiment_score":0.1790433891622697,"num_words":59,"start":981.76996,"end":1013.09},{"sentences":[{"text":"So you're as a growth investor.","start":1013.31,"end":1015.01,"sentiment":"neutral","sentiment_score":0.09235229964057605},{"text":"Typically, as a growth investor, what we would like to see is an annualized return of anywhere between oh, I think it's seven six to 8% off the top of my head.","start":1015.775,"end":1030.255,"sentiment":"neutral","sentiment_score":0.07763212372083217},{"text":"Let yep.","start":1030.255,"end":1031.235,"sentiment":"neutral","sentiment_score":-0.020725192502141},{"text":"So we have definitely fallen short of that with the Better Long letting us down in that area.","start":1031.51,"end":1037.05,"sentiment":"neutral","sentiment_score":-0.29793110075924134},{"text":"But when we look at the the long term growth of the overall portfolio.","start":1038.63,"end":1048.195,"sentiment":"neutral","sentiment_score":-0.013921493797429971}],"sentiment":"neutral","sentiment_score":-0.03556624104061888,"num_words":72,"start":1013.31,"end":1048.195},{"sentences":[{"text":"It's sitting where we want it to in the growth sector.","start":1048.195,"end":1051.575,"sentiment":"neutral","sentiment_score":0.007370819819202138},{"text":"Well, in the growth what we would expect to be gross returns.","start":1051.7949,"end":1054.375,"sentiment":"neutral","sentiment_score":0.03491217844809095},{"text":"The next document over is the Vanguard index chart.","start":1056.595,"end":1059.575,"sentiment":"neutral","sentiment_score":0.03927859974404176},{"text":"It's just a little tool that I like to share with clients.","start":1059.84,"end":1064.1,"sentiment":"neutral","sentiment_score":0.07450887871285279},{"text":"Those first four on the right hand side, US shares, Australian shares, international, and Australian listed property, they're your growth assets that I alluded to earlier with your bonds and cash being the defensive part.","start":1065.36,"end":1077.695,"sentiment":"neutral","sentiment_score":0.06601783984473773}],"sentiment":"neutral","sentiment_score":0.05137042400259171,"num_words":79,"start":1048.195,"end":1077.695},{"sentences":[{"text":"So as a growth investor, which is how you're tip you're invested at the moment, we would expect to see approximately 80% of your superannuation balance invested in those top four with 20% invested in the bottom two being your defensive assets.","start":1077.695,"end":1093.83,"sentiment":"neutral","sentiment_score":0.05019753936323382},{"text":"So given your age and your access to super, which is at least twenty years away based on current legislation, With a growth investor, we we ex we say the minimum time frame is to be invested invested is for at least six years with the expectation of one in every five years being potentially a negative return.","start":1094.45,"end":1119.595,"sentiment":"neutral","sentiment_score":-0.13202238587084517},{"text":"So given your age, your I feel like that that is still appropriate.","start":1122.73,"end":1129.07,"sentiment":"neutral","sentiment_score":-0.06962647231725547},{"text":"If you're comfortable, you can even look at upping your exposure to growth assets Should that be something you wanna do, or we can review it at a later time.","start":1129.37,"end":1140.275,"sentiment":"neutral","sentiment_score":-0.0035682620694084716},{"text":"It's probably more so just passing the sleep at night test is what I call it.","start":1141.0549,"end":1146.515,"sentiment":"neutral","sentiment_score":0.03776282991748303}],"sentiment":"neutral","sentiment_score":-0.03746533616842796,"num_words":159,"start":1077.695,"end":1146.515},{"sentences":[{"text":"So, yeah, so I think probably my question that I'm asking is, are you happy with maintaining that eighty twenty allocation split to growth and defensive assets, or did you wanna look at reviewing that?","start":1146.895,"end":1160.535,"sentiment":"neutral","sentiment_score":0.021907540197883334},{"text":"Yeah.","start":1169.8151,"end":1169.975,"sentiment":"neutral","sentiment_score":0.134639173746109},{"text":"Lovely.","start":1169.975,"end":1170.475,"sentiment":"positive","sentiment_score":0.3715379238128662},{"text":"Yeah.","start":1181.79,"end":1182.1901,"sentiment":"neutral","sentiment_score":0.05536068230867386},{"text":"Yep.","start":1182.1901,"end":1182.6901,"sentiment":"neutral","sentiment_score":0.06092511862516403}],"sentiment":"neutral","sentiment_score":0.03562120013894179,"num_words":39,"start":1146.895,"end":1182.6901},{"sentences":[{"text":"That's that's oh, great.","start":1183.2301,"end":1187.17,"sentiment":"neutral","sentiment_score":0.301214387640357},{"text":"Fantastic.","start":1188.1901,"end":1188.67,"sentiment":"positive","sentiment_score":0.6073610782623291},{"text":"That's good to hear.","start":1188.67,"end":1189.7301,"sentiment":"positive","sentiment_score":0.48725464940071106},{"text":"The next document is our financial services guide.","start":1190.955,"end":1194.475,"sentiment":"neutral","sentiment_score":0.05771722178906202},{"text":"So it will explain to you, which you probably received last year also.","start":1194.475,"end":1198.155,"sentiment":"neutral","sentiment_score":0.05801225625551664}],"sentiment":"neutral","sentiment_score":0.16590447773536046,"num_words":30,"start":1183.2301,"end":1198.155},{"sentences":[{"text":"This is just an updated one.","start":1198.155,"end":1199.775,"sentiment":"neutral","sentiment_score":0.035769980400800705},{"text":"Explains who we are, that we are, who our licensee is, the type of advice we we provide, how we provide it, our fees, and how you can the complaints process should you need to utilize that.","start":1201.035,"end":1217.2,"sentiment":"neutral","sentiment_score":0.0430926963485576},{"text":"The next document is your ongoing service agreement.","start":1218.705,"end":1221.905,"sentiment":"neutral","sentiment_score":0.03320402605459094},{"text":"So similar to receiving it previously, it is the agreement to basically sign up and be a client for another twelve months.","start":1221.905,"end":1231.765,"sentiment":"neutral","sentiment_score":0.052275683392177925},{"text":"So this is now a fixed fee rather than a percent based fee.","start":1234.08,"end":1238.66,"sentiment":"neutral","sentiment_score":0.04513411925962338}],"sentiment":"neutral","sentiment_score":0.04431965628768816,"num_words":86,"start":1198.155,"end":1238.66},{"sentences":[{"text":"So it's the annualized amount is $2,439.53.","start":1239.04,"end":1245.3,"sentiment":"neutral","sentiment_score":0.05085865940366473},{"text":"That's then divided by 12 and then deducted monthly.","start":1245.505,"end":1249.585,"sentiment":"neutral","sentiment_score":0.04731334042217997},{"text":"So monthly, it'd be around the $203.29 a mark per month deducted from Hub super balance.","start":1249.585,"end":1258.26,"sentiment":"neutral","sentiment_score":0.02374638948822394},{"text":"And then yeah.","start":1259.38,"end":1260.4401,"sentiment":"neutral","sentiment_score":0.058978038529555},{"text":"And then the final document is, basically, your confirmation that we hold your tax file number on file.","start":1261.14,"end":1271.3,"sentiment":"neutral","sentiment_score":0.06826641576157676}],"sentiment":"neutral","sentiment_score":0.048443443598752876,"num_words":53,"start":1239.04,"end":1271.3},{"sentences":[{"text":"So when we established your superannuation fund, we would have got your tax file number to ensure that you weren't taxed excessively in super.","start":1271.3,"end":1280.675,"sentiment":"neutral","sentiment_score":0.07067461467037599},{"text":"So by signing that last form as well, you're just acknowledging that we hold that on file for you.","start":1281.055,"end":1287.7151,"sentiment":"neutral","sentiment_score":0.14666698912256643},{"text":"Beautiful.","start":1290.29,"end":1290.79,"sentiment":"positive","sentiment_score":0.5935256481170654},{"text":"So do you have any questions for me?","start":1290.93,"end":1293.1101,"sentiment":"neutral","sentiment_score":0.2191369729116559},{"text":"Lovely.","start":1299.9701,"end":1300.4701,"sentiment":"positive","sentiment_score":0.5564771294593811}],"sentiment":"neutral","sentiment_score":0.1393577755903298,"num_words":53,"start":1271.3,"end":1300.4701},{"sentences":[{"text":"I will in saying that, are you happy to keep them as annual reviews?","start":1301.0149,"end":1304.215,"sentiment":"neutral","sentiment_score":0.2510027214884758},{"text":"Did you want them more regular?","start":1304.215,"end":1305.835,"sentiment":"neutral","sentiment_score":0.09302813621858756},{"text":"What was what's your thoughts?","start":1306.455,"end":1308.6349,"sentiment":"neutral","sentiment_score":0.06434924378991128},{"text":"Okay.","start":1314.615,"end":1315.115,"sentiment":"neutral","sentiment_score":0.26166224479675293},{"text":"Lovely.","start":1315.1749,"end":1315.6749,"sentiment":"positive","sentiment_score":0.3526633381843567}],"sentiment":"neutral","sentiment_score":0.18549180444743898,"num_words":27,"start":1301.0149,"end":1315.6749},{"sentences":[{"text":"With those investment changes that I talked about or alluded to earlier, what I'll do is you'll receive a email from me probably in the next week and a half, I suspect.","start":1316.92,"end":1329.8,"sentiment":"neutral","sentiment_score":0.09717497206293046},{"text":"I'm just looking at the list at the moment.","start":1329.8,"end":1333.725,"sentiment":"neutral","sentiment_score":0.07121948939230707},{"text":"And all it will be is we call it a record of advice.","start":1335.0651,"end":1338.365,"sentiment":"neutral","sentiment_score":0.09802964157783069},{"text":"So it's gonna contain the where the investment switches that we recommend being made to replace those funds that I've talked about earlier.","start":1338.905,"end":1349.61,"sentiment":"neutral","sentiment_score":0.0730000970804173},{"text":"And you don't need to action anything.","start":1349.99,"end":1352.01,"sentiment":"neutral","sentiment_score":0.07922560349106789}],"sentiment":"neutral","sentiment_score":0.08641120605170727,"num_words":84,"start":1316.92,"end":1352.01},{"sentences":[{"text":"We will make those changes.","start":1352.0701,"end":1353.61,"sentiment":"neutral","sentiment_score":0.12371898591518402},{"text":"It's really just for your record, so for your information.","start":1354.4701,"end":1358.49,"sentiment":"neutral","sentiment_score":0.1684923678636551},{"text":"Okay?","start":1362.875,"end":1363.355,"sentiment":"neutral","sentiment_score":0.2556678056716919},{"text":"Beautiful.","start":1363.355,"end":1363.835,"sentiment":"positive","sentiment_score":0.6203633546829224},{"text":"It was lovely speaking with you today, Justin.","start":1363.835,"end":1365.755,"sentiment":"positive","sentiment_score":0.7052628248929977}],"sentiment":"positive","sentiment_score":0.3528660947084427,"num_words":25,"start":1352.0701,"end":1365.755},{"sentences":[{"text":"I really appreciate your time.","start":1365.755,"end":1367.2949,"sentiment":"positive","sentiment_score":0.6311856865882873},{"text":"Oh, wonderful.","start":1371.59,"end":1372.23,"sentiment":"neutral","sentiment_score":0.18030716478824615},{"text":"And if you need anything at any time, please don't hesitate to phone.","start":1372.23,"end":1375.37,"sentiment":"neutral","sentiment_score":0.12388294691649768},{"text":"Thank you.","start":1377.8301,"end":1378.65,"sentiment":"positive","sentiment_score":0.48991096019744873},{"text":"You too.","start":1380.79,"end":1381.35,"sentiment":"neutral","sentiment_score":0.2972663342952728}],"sentiment":"neutral","sentiment_score":0.2792239858924101,"num_words":24,"start":1365.755,"end":1381.35},{"sentences":[{"text":"Bye.","start":1381.35,"end":1381.85,"sentiment":"neutral","sentiment_score":-0.1160905659198761}],"sentiment":"neutral","sentiment_score":-0.1160905659198761,"num_words":1,"start":1381.35,"end":1381.85}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Jenna Wheeler Arcview. Please stay on the line. Hello. John speaking. I'm good. Thank you. That's fine. Yes. Yep. First third, nine ninety six. Just a minute. Just a minute. Four forty one mail bars straight monthly. Yeah. Yeah. It's fine. Yeah. Yep. No. Not really. I just sort of more aware of the truck now. I'm now I'm I'm turned based on operations manager now. So the truck stepped out of the truck a bit, but, yeah, the same sort of industry. So yeah. Now yeah. It's more operation manager now. Yep. We were out few perks and perks will say. Yeah. Yeah. We're working on it. Yeah. My mind is gonna come to me, Carol. So, you know, yeah. Yeah. Yeah. Or do something. Yeah. Yeah. That's still the same. Yes. Yeah. Still the sign. Yes. Yes. Yep. Correct. Yes. Child. Yes. Yes. Sophie Miller and then I just fell in. Sorry. What was that? Sorry? Oh, yeah. Sandra Sandra Miller. Hold on. Yeah. It's Sandra Miller. Yep. I have to grab a 4. Sorry. Let me see. I should know the thing, but now they have a technology. We know one that remembers mobile phone. Let me see. Respond it. You ready? It's 0418 921 07 9. It's probably seventy thirty, but yeah. Occasionally, I occasionally, ironically, today, I'm in the truck because one of my drivers called in sick. So yeah. Most most of the time, it's in the office. Yeah. Yep. Yes. You're correct. Yes. Yep. Full time. Yeah. Yeah. Full time. Yeah. Yeah. Yep. Plus. Yeah. Yeah. Yeah. Yeah. We we have it. Probably try and put that away where I can. Yeah. Every week. Yeah. Yeah. Because sometimes sometimes yeah. Yeah. Yeah. No. Not at the moment. No. No. No. Yep. Yeah. Still renting. Yes. Yep. Not really. No. Because once sort of yeah. Yeah. You just your household stuff sort of thing. Yeah. Oh, the car, I don't need I sort of sold the car because I didn't need the car because I got a company yet. So just put that money back in the bank. So yeah. So I probably got about, I don't know, 5,000 in the bank. Correct. That's Old Fond Duarte. Yep. Correct. Yep. Not at the moment. No. I need to do that, but not not at the moment. Yep. Probably shifts a little bit now, like, now when they're all I'm in. So it's not so number one priority at the moment. My number one priority is to build build the company I've got taken over and rebuild that from so I've got a hand in a pretty bad state. So I'm focusing on rebuilding the company, rebuilding the brand name of that company. And, yeah, at the moment, I'm six months into that. I'll you know, probably going 20% more work just by focusing on that role at the moment. Yeah. No. Not at the moment. No. No. Not long term on mine, but at the moment, no. No. And being honest with you, you know, at the moment, it'd be a big risk at the moment. Yeah. Yeah. Yes. Yes. I see the bill, and I'm like, no. That's I found it onto the items. Here you go. Yes. Yeah. Yep. Yeah. Long term. Yeah. Yeah. Long term, that's definitely the main goal. Yeah. Sure. Yeah. Yeah. Yeah. That's still correct. Yeah. Yeah. That's actually over there. So we're normally around about fourteen hundred fairly fourteen hundred weeks. Yeah. Yep. Yeah. Yeah. Pretty much. Yeah. Pretty much. Both both of that really to be yeah. Make sure it's in the right channels and build it so I can aim for that 65 retirement. That's what I'm talking. Yeah. Yep. Yep. Yep. Yes. Yep. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. No. No. No. No. No way. I would like you to do probably a 100 and a 150 k's really for doing it. Yeah. Fair. Yeah. I'm just normally doing a little local stuff, and I'll sort of move drivers around, and I'll just stay within probably a 100 k's. Yeah. It's loading I'll leave it there from at the moment. Because this is as the company grows, you know, next month or so, I'll possibly be doing that sixty thirty until I reach the point where I need another driver to cover that sort of role. So some days, it might be only one day a week. The next week, it might be free, then I might not have any for two weeks. So, you know, I'm stuck in the office. So, like, yeah. So it's just depending on how the volume is coming to Christmas. Summer, I'm hoping to build enough where I can get enough work three days a week to apply it on a casual, and then I'll be back to in the office again most of the time. That's a big goal. Yeah. Yes. Yes. Yep. Yeah. Not not it's for good time for you. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Sure. Yes. I'm saying yes. Yep. Yep. Yes. Right. Yep. Yeah. Yep. Yes. 100%. Yeah. Yep. Yeah. Yep. Yep. Yeah. Yeah. Yep. That'll be fine. Yes. Thank you. Yeah. Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Yep. Yep. Yep. I think it's I mean, it yeah. I think we're going well. Like, it is there is a risk to take, but I think yeah. Keep it as it is. Like, you guys done such a good job since I've changed over. Like, I think I've I've I've only had the one sort of bad issue, but overall, still, yeah, still growing. So yeah. That's fine. Really. Yeah. It does a good job. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. That's fine then. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Not a problem at all. Yep. No. Good. Like, I've had a few of these four Fairphone reviews now. And yeah. No. I said you guys do a good job. I like it. Yeah. Every twelve months is fine. It's yeah. I like it, and then I know we're out, but twelve months is good. Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Oh, no. No problem. Thank you very much. No. Thank you very much. I'm I was doing my job today. Yeah. Thank you. No, dear. 9 from the law. 1014. Thank you. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Jenna Wheeler Arcview. Please stay on the line.\n\nHello. John speaking. I'm good. Thank you. That's fine.\n\nYes. Yep. First third, nine ninety six. Just a minute. Just a minute.\n\nFour forty one mail bars straight monthly. Yeah. Yeah. It's fine. Yeah.\n\nYep. No. Not really. I just sort of more aware of the truck now. I'm now I'm I'm turned based on operations manager now.\n\nSo the truck stepped out of the truck a bit, but, yeah, the same sort of industry. So yeah. Now yeah. It's more operation manager now. Yep.\n\nWe were out few perks and perks will say. Yeah. Yeah. We're working on it. Yeah.\n\nMy mind is gonna come to me, Carol. So, you know, yeah. Yeah. Yeah. Or do something.\n\nYeah. Yeah. That's still the same. Yes. Yeah.\n\nStill the sign. Yes. Yes. Yep. Correct.\n\nYes. Child. Yes. Yes. Sophie Miller and then I just fell in.\n\nSorry. What was that? Sorry? Oh, yeah. Sandra Sandra Miller.\n\nHold on. Yeah. It's Sandra Miller. Yep. I have to grab a 4.\n\nSorry. Let me see. I should know the thing, but now they have a technology. We know one that remembers mobile phone. Let me see.\n\nRespond it. You ready? It's 0418 921 07 9. It's probably seventy thirty, but yeah. Occasionally, I occasionally, ironically, today, I'm in the truck because one of my drivers called in sick.\n\nSo yeah. Most most of the time, it's in the office. Yeah. Yep. Yes.\n\nYou're correct. Yes. Yep. Full time. Yeah.\n\nYeah. Full time. Yeah. Yeah. Yep.\n\nPlus. Yeah. Yeah. Yeah. Yeah.\n\nWe we have it. Probably try and put that away where I can. Yeah. Every week. Yeah.\n\nYeah. Because sometimes sometimes yeah. Yeah. Yeah. No.\n\nNot at the moment. No. No. No. Yep.\n\nYeah. Still renting. Yes. Yep. Not really.\n\nNo. Because once sort of yeah. Yeah. You just your household stuff sort of thing. Yeah.\n\nOh, the car, I don't need I sort of sold the car because I didn't need the car because I got a company yet. So just put that money back in the bank. So yeah. So I probably got about, I don't know, 5,000 in the bank. Correct.\n\nThat's Old Fond Duarte. Yep. Correct. Yep. Not at the moment.\n\nNo. I need to do that, but not not at the moment. Yep. Probably shifts a little bit now, like, now when they're all I'm in. So it's not so number one priority at the moment.\n\nMy number one priority is to build build the company I've got taken over and rebuild that from so I've got a hand in a pretty bad state. So I'm focusing on rebuilding the company, rebuilding the brand name of that company. And, yeah, at the moment, I'm six months into that. I'll you know, probably going 20% more work just by focusing on that role at the moment. Yeah.\n\nNo. Not at the moment. No. No. Not long term on mine, but at the moment, no.\n\nNo. And being honest with you, you know, at the moment, it'd be a big risk at the moment. Yeah. Yeah. Yes.\n\nYes. I see the bill, and I'm like, no. That's I found it onto the items. Here you go. Yes.\n\nYeah. Yep. Yeah. Long term. Yeah.\n\nYeah. Long term, that's definitely the main goal. Yeah. Sure. Yeah.\n\nYeah. Yeah. That's still correct. Yeah. Yeah.\n\nThat's actually over there. So we're normally around about fourteen hundred fairly fourteen hundred weeks. Yeah. Yep. Yeah.\n\nYeah. Pretty much. Yeah. Pretty much. Both both of that really to be yeah.\n\nMake sure it's in the right channels and build it so I can aim for that 65 retirement. That's what I'm talking. Yeah. Yep. Yep.\n\nYep. Yes. Yep. Yep. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nNo. No. No. No. No way.\n\nI would like you to do probably a 100 and a 150 k's really for doing it. Yeah. Fair. Yeah. I'm just normally doing a little local stuff, and I'll sort of move drivers around, and I'll just stay within probably a 100 k's.\n\nYeah. It's loading I'll leave it there from at the moment. Because this is as the company grows, you know, next month or so, I'll possibly be doing that sixty thirty until I reach the point where I need another driver to cover that sort of role. So some days, it might be only one day a week. The next week, it might be free, then I might not have any for two weeks.\n\nSo, you know, I'm stuck in the office. So, like, yeah. So it's just depending on how the volume is coming to Christmas. Summer, I'm hoping to build enough where I can get enough work three days a week to apply it on a casual, and then I'll be back to in the office again most of the time. That's a big goal.\n\nYeah. Yes. Yes. Yep. Yeah.\n\nNot not it's for good time for you. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. Yep. Sure.\n\nYes. I'm saying yes. Yep. Yep. Yes.\n\nRight. Yep. Yeah. Yep. Yes.\n\n100%. Yeah. Yep. Yeah. Yep.\n\nYep. Yeah. Yeah. Yep. That'll be fine.\n\nYes. Thank you. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. I think it's I mean, it yeah. I think we're going well.\n\nLike, it is there is a risk to take, but I think yeah. Keep it as it is. Like, you guys done such a good job since I've changed over. Like, I think I've I've I've only had the one sort of bad issue, but overall, still, yeah, still growing. So yeah.\n\nThat's fine. Really. Yeah. It does a good job. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nThat's fine then. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Not a problem at all.\n\nYep. No. Good. Like, I've had a few of these four Fairphone reviews now. And yeah.\n\nNo. I said you guys do a good job. I like it. Yeah. Every twelve months is fine.\n\nIt's yeah. I like it, and then I know we're out, but twelve months is good. Yeah. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Yep. Oh, no. No problem. Thank you very much.\n\nNo. Thank you very much. I'm I was doing my job today. Yeah. Thank you.\n\nNo, dear. 9 from the law. 1014. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.64,"sentiment":"neutral","sentiment_score":0.04185851663351059},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.64,"end":4.98,"sentiment":"neutral","sentiment_score":0.03191668458748609},{"text":"Thanks.","start":19.234999,"end":19.715,"sentiment":"neutral","sentiment_score":0.31812822818756104},{"text":"Jenna Wheeler Arcview.","start":19.715,"end":20.935,"sentiment":"neutral","sentiment_score":0.09584535161654155},{"text":"Please stay on the line.","start":21.235,"end":22.455,"sentiment":"neutral","sentiment_score":0.06108793318271637}],"sentiment":"neutral","sentiment_score":0.056293439191694446,"num_words":26,"start":0.24,"end":22.455},{"sentences":[{"text":"Hello.","start":33.4,"end":33.72,"sentiment":"neutral","sentiment_score":0.039783038198947906},{"text":"John 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yeah.","start":1297.1349,"end":1297.455,"sentiment":"neutral","sentiment_score":0.20265473425388336}],"sentiment":"neutral","sentiment_score":0.19758195197209716,"num_words":16,"start":1289.13,"end":1297.455},{"sentences":[{"text":"No.","start":1297.455,"end":1297.695,"sentiment":"neutral","sentiment_score":0.2146230041980743},{"text":"I said you guys do a good job.","start":1297.695,"end":1299.235,"sentiment":"positive","sentiment_score":0.4695481061935425},{"text":"I like it.","start":1308.7999,"end":1309.44,"sentiment":"positive","sentiment_score":0.4209287762641907},{"text":"Yeah.","start":1309.44,"end":1309.6799,"sentiment":"neutral","sentiment_score":0.24269993603229523},{"text":"Every twelve months is fine.","start":1309.6799,"end":1310.5599,"sentiment":"neutral","sentiment_score":0.21520573198795317}],"sentiment":"positive","sentiment_score":0.36402904325061375,"num_words":18,"start":1297.455,"end":1310.5599},{"sentences":[{"text":"It's yeah.","start":1310.5599,"end":1311.04,"sentiment":"neutral","sentiment_score":0.3035804331302643},{"text":"I like it, and then I know we're out, but twelve months is good.","start":1311.04,"end":1313.6799,"sentiment":"positive","sentiment_score":0.3347212533865656},{"text":"Yeah.","start":1313.6799,"end":1314.1799,"sentiment":"neutral","sentiment_score":0.1829923689365387},{"text":"Yep.","start":1315.28,"end":1315.78,"sentiment":"neutral","sentiment_score":0.1570737212896347},{"text":"Yep.","start":1321.9349,"end":1322.4349,"sentiment":"neutral","sentiment_score":0.1034577339887619}],"sentiment":"neutral","sentiment_score":0.3019359072572307,"num_words":19,"start":1310.5599,"end":1322.4349},{"sentences":[{"text":"Yep.","start":1333.02,"end":1333.52,"sentiment":"neutral","sentiment_score":0.060664355754852295},{"text":"Yep.","start":1339.5825,"end":1340.0825,"sentiment":"neutral","sentiment_score":0.06632546335458755},{"text":"Yeah.","start":1348.625,"end":1349.125,"sentiment":"neutral","sentiment_score":0.04881747812032699},{"text":"Yep.","start":1349.905,"end":1350.405,"sentiment":"neutral","sentiment_score":0.08694105595350266},{"text":"Yep.","start":1354.145,"end":1354.645,"sentiment":"neutral","sentiment_score":0.11702748388051988}],"sentiment":"neutral","sentiment_score":0.07595516741275787,"num_words":5,"start":1333.02,"end":1354.645},{"sentences":[{"text":"Yep.","start":1357.8251,"end":1358.3251,"sentiment":"neutral","sentiment_score":0.12577742338180542},{"text":"Yep.","start":1359.345,"end":1359.845,"sentiment":"neutral","sentiment_score":0.07881876826286316},{"text":"Oh, no.","start":1360.98,"end":1361.22,"sentiment":"neutral","sentiment_score":0.16391056776046753},{"text":"No problem.","start":1361.22,"end":1361.78,"sentiment":"neutral","sentiment_score":0.27408023923635483},{"text":"Thank you very much.","start":1361.78,"end":1362.76,"sentiment":"positive","sentiment_score":0.443225622177124}],"sentiment":"neutral","sentiment_score":0.28534802943468096,"num_words":10,"start":1357.8251,"end":1362.76},{"sentences":[{"text":"No.","start":1367.62,"end":1367.78,"sentiment":"neutral","sentiment_score":0.08835954964160919},{"text":"Thank you very much.","start":1367.78,"end":1368.5,"sentiment":"neutral","sentiment_score":0.2079162485897541},{"text":"I'm I was doing my job today.","start":1368.5,"end":1370.26,"sentiment":"neutral","sentiment_score":0.12214092750634466},{"text":"Yeah.","start":1370.26,"end":1370.5,"sentiment":"neutral","sentiment_score":0.16633427143096924},{"text":"Thank you.","start":1370.5,"end":1371.24,"sentiment":"positive","sentiment_score":0.3577374815940857}],"sentiment":"neutral","sentiment_score":0.17712135141094526,"num_words":15,"start":1367.62,"end":1371.24},{"sentences":[{"text":"No, dear.","start":1375.663,"end":1376.2229,"sentiment":"neutral","sentiment_score":-0.1384374015033245},{"text":"9 from the law.","start":1376.2229,"end":1377.283,"sentiment":"neutral","sentiment_score":-0.07333316281437874},{"text":"1014.","start":1379.023,"end":1379.663,"sentiment":"neutral","sentiment_score":0.1402694284915924},{"text":"Thank you.","start":1379.663,"end":1380.063,"sentiment":"positive","sentiment_score":0.5646082758903503},{"text":"Bye.","start":1380.063,"end":1380.563,"sentiment":"positive","sentiment_score":0.34717175364494324}],"sentiment":"neutral","sentiment_score":0.10464502796530724,"num_words":10,"start":1375.663,"end":1380.563}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Jenna Wheeler, Oakview Financial for your annual review meeting.\n\nChannel 1: Thanks. Jenna Wheeler Arcview. Please stay on the line. Hello. John speaking.\n\nChannel 0: Hi, Justin. This is Jenna Phoning from Oakview Financial. How are you today?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: That's good. Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: That's fine. Yes. Yep.\n\nChannel 0: Lovely. Justin, can I please ask you to confirm your full name and date of birth and address, please?\n\nChannel 1: First third, nine ninety six. Just a minute. Just a minute. Four forty one mail bars straight monthly.\n\nChannel 0: Fantastic. Thank you for that, Justin. I'm phoning today to complete your scheduled and your review. Do you have time to complete that\n\nChannel 1: Yeah.\n\nChannel 0: now?\n\nChannel 1: Yeah. It's fine. Yeah. Yep.\n\nChannel 0: Fantastic. Justin, before I jump into it as such, I'd like to just check-in with you and see if there's been any significant changes to your personal or financial situation since your last review.\n\nChannel 1: No. Not really. I just sort of more aware of the truck now. I'm now I'm I'm turned based on operations manager now. So the truck stepped out of the truck a bit, but, yeah, the same sort of industry.\n\nSo yeah.\n\nChannel 0: Okay. So we had you down as Transport Logistics, but is it more operational management now?\n\nChannel 1: Now yeah. It's more operation manager now. Yep.\n\nChannel 0: Okay. Fantastic. Have you did you get a pay change in that?\n\nChannel 1: We were out few perks and perks will say. Yeah. Yeah. We're working on it. Yeah.\n\nChannel 0: That's good.\n\nChannel 1: My mind is gonna come to me, Carol. So, you know, yeah. Yeah. Yeah. Or\n\nChannel 0: Oh,\n\nChannel 1: do\n\nChannel 0: that's\n\nChannel 1: something. Yeah.\n\nChannel 0: good.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. That's good. Well, we had your income down as a 100,000. Is that still\n\nChannel 1: That's\n\nChannel 0: correct?\n\nChannel 1: still the same. Yes. Yeah. Still the sign.\n\nChannel 0: Beautiful. Alright. Fantastic. Okay. So what I might do is just run through some of the information that can change from time to time to see that to make sure that we it's up to date on our end.\n\nSo, Justin, I have you down as single. Is that still correct?\n\nChannel 1: Yes. Yes. Yep.\n\nChannel 0: Yeah. And you have one dependent?\n\nChannel 1: Correct. Yes.\n\nChannel 0: Yeah. Is a child\n\nChannel 1: Child. Yes. Yes.\n\nChannel 0: yeah. Yep. Okay. Name and age?\n\nChannel 1: Sophie Miller and then I just fell in.\n\nChannel 0: Lovely. Alright. And we have your mom down here as next of kin, but we don't have her name. Would\n\nChannel 1: Sorry.\n\nChannel 0: I be able\n\nChannel 1: What\n\nChannel 0: to\n\nChannel 1: was that?\n\nChannel 0: get her\n\nChannel 1: Sorry?\n\nChannel 0: name? We have your mom listed\n\nChannel 1: Oh,\n\nChannel 0: here\n\nChannel 1: yeah.\n\nChannel 0: as your\n\nChannel 1: Sandra\n\nChannel 0: next of\n\nChannel 1: Sandra\n\nChannel 0: kin.\n\nChannel 1: Miller. Hold on. Yeah. It's Sandra Miller. Yep.\n\nChannel 0: Fantastic. And what's Sandra's best contact number?\n\nChannel 1: I have to grab a 4. Sorry. Let me see. I should know the thing, but now they have a technology. We know one that remembers mobile\n\nChannel 0: Oh, yes. Yep.\n\nChannel 1: phone. Let me see. Respond it.\n\nChannel 0: You're alright.\n\nChannel 1: You ready?\n\nChannel 0: Yes.\n\nChannel 1: It's 0418\n\nChannel 0: Yes.\n\nChannel 1: 921\n\nChannel 0: Yes.\n\nChannel 1: 07\n\nChannel 0: Fantastic. Thank you. So be changing to the operational management role, is it all in the office based\n\nChannel 1: 9. It's\n\nChannel 0: or\n\nChannel 1: probably\n\nChannel 0: do you go\n\nChannel 1: seventy thirty, but yeah. Occasionally,\n\nChannel 0: Yep.\n\nChannel 1: I occasionally, ironically, today, I'm in the truck because one of my drivers called in sick. So\n\nChannel 0: Okay. That's\n\nChannel 1: yeah.\n\nChannel 0: okay.\n\nChannel 1: Most most of the time, it's in the office. Yeah.\n\nChannel 0: Okay. K. Sorry. I'll just make a note of that.\n\nChannel 1: Yep.\n\nChannel 0: I have your employer as Suncoast Express. Is that still correct?\n\nChannel 1: Yes. You're correct. Yes. Yep.\n\nChannel 0: Yeah. And full time,\n\nChannel 1: Full\n\nChannel 0: thirty\n\nChannel 1: time.\n\nChannel 0: eight hours\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Yeah.\n\nChannel 0: week?\n\nChannel 1: Full time. Yeah. Yeah. Yep. Plus.\n\nYeah. Yeah.\n\nChannel 0: Alright. We have your savings down\n\nChannel 1: Yeah.\n\nChannel 0: at approximately $200 a week. Would that still is that still correct?\n\nChannel 1: Yeah. We we have it. Probably try and put that away where I can. Yeah. Every week.\n\nChannel 0: Yeah. Yeah. So would your expenditure be the difference\n\nChannel 1: Yeah.\n\nChannel 0: of your income your weekly income and that savings?\n\nChannel 1: Yeah. Because sometimes sometimes yeah. Yeah. Yeah.\n\nChannel 0: Yeah. Okay. And are you making any other additional contributions to super besides what your employer does for you?\n\nChannel 1: No. Not at the moment. No.\n\nChannel 0: No. And any EBA arrangement in place with your employer?\n\nChannel 1: No. No.\n\nChannel 0: No. Okay. So I have here that you're renting. Is that\n\nChannel 1: Yep.\n\nChannel 0: still the case?\n\nChannel 1: Yeah. Still renting. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any other assets and liabilities that you can think of?\n\nChannel 1: Not really. No. Because once sort of yeah. Yeah. You just your household stuff sort of thing.\n\nYeah.\n\nChannel 0: Yeah. Car, cash, any savings?\n\nChannel 1: Oh, the car, I don't need I sort of sold the car because I didn't need the car because I got a company yet. So\n\nChannel 0: Yep. Yes.\n\nChannel 1: just put that money back in the bank. So yeah. So I probably got\n\nChannel 0: Okay.\n\nChannel 1: about, I don't know, 5,000 in the bank.\n\nChannel 0: Lovely. Thank you. Alright. I have here that you were bankrupt and it finished in January 2026. Has that all been finalized?\n\nChannel 1: Correct. That's Old Fond Duarte. Yep.\n\nChannel 0: Fantastic. And you are a nonsmoker?\n\nChannel 1: Correct. Yep.\n\nChannel 0: Yeah. And you don't have a will or power of attorney.\n\nChannel 1: Not at the moment. No. I need to do that, but not not at the moment.\n\nChannel 0: Okay. Fantastic. So with your goals and objectives, I just wanna revisit those just to make sure that they're still reflective of your current wishes and\n\nChannel 1: Yep.\n\nChannel 0: what you're aiming to achieve. What your first goal was that you'd like to continue to build your savings and eventually look to purchase your own truck for work purposes over the coming years. Is that something you're still working towards?\n\nChannel 1: Probably shifts a little bit now, like, now when they're all I'm in. So it's not\n\nChannel 0: Yep.\n\nChannel 1: so number one priority at the moment. My number one priority is to build build the company I've got taken over and rebuild that from so I've got a hand in a pretty bad state. So I'm focusing on rebuilding the company, rebuilding the brand name of that company. And, yeah, at the moment, I'm six months into that. I'll you know, probably going 20% more work just\n\nChannel 0: Yep.\n\nChannel 1: by focusing on that role at the moment. Yeah.\n\nChannel 0: Okay. So you're not looking at your\n\nChannel 1: No.\n\nChannel 0: own truck\n\nChannel 1: Not at\n\nChannel 0: or\n\nChannel 1: the\n\nChannel 0: anything\n\nChannel 1: moment.\n\nChannel 0: anymore?\n\nChannel 1: No. No. Not\n\nChannel 0: Nope.\n\nChannel 1: long term on mine, but at the moment, no. No. And\n\nChannel 0: Not? Okay.\n\nChannel 1: being honest with you, you know, at the moment, it'd be a big risk at the moment. Yeah.\n\nChannel 0: Yeah. Especially with the price of these. Alright?\n\nChannel 1: Yeah. Yes. Yes. I see the bill, and I'm like, no. That's I found it onto the items.\n\nHere you go.\n\nChannel 0: Oh, yes. The next one was that you'd like to retire and have a place in a a place in a nice little country town, be comfortable\n\nChannel 1: Yes. Yeah.\n\nChannel 0: in your financial position, and you'd\n\nChannel 1: Yep.\n\nChannel 0: like to get a caravan and do some travel around Australia and\n\nChannel 1: Yeah.\n\nChannel 0: relax\n\nChannel 1: Long\n\nChannel 0: more.\n\nChannel 1: term. Yeah. Yeah. Long term, that's definitely the main goal. Yeah.\n\nSure.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So that is that and so your retirement age, we had down here at 65 with an income made of 1,000 a week. Would that\n\nChannel 1: Yeah.\n\nChannel 0: in today's dollars? Would\n\nChannel 1: Yeah.\n\nChannel 0: that still be correct?\n\nChannel 1: That's still correct. Yeah. Yeah. That's actually over there. So we're normally around about fourteen hundred fairly fourteen hundred weeks.\n\nChannel 0: Yes. Okay. Then with your superannuation, you said originally your goal for seeking advice was to get your super working better for you now to ensure long term that you can maximize your balance so you can comfortably retire.\n\nChannel 1: Yeah.\n\nChannel 0: How\n\nChannel 1: Yep.\n\nChannel 0: have you what what's your goal with SuperNow? Is it still to ensure that it's invested appropriately, building\n\nChannel 1: Yeah.\n\nChannel 0: wealth?\n\nChannel 1: Yeah.\n\nChannel 0: What\n\nChannel 1: Pretty much. Yeah.\n\nChannel 0: in\n\nChannel 1: Pretty much. Both both of that really to be yeah. Make sure it's in\n\nChannel 0: Yeah.\n\nChannel 1: the right channels and build it so I can aim for that 65 retirement. That's what I'm talking.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: To build sorry. I'm just making a note of this.\n\nChannel 1: Yep.\n\nChannel 0: Okay. And then you had mentioned that you're keen to have all three types of\n\nChannel 1: Yep.\n\nChannel 0: insurances moving forward being life, TPD, and income protection, and you're happy to consider recommendations from the adviser with what they felt would be an appropriate level of cover given your\n\nChannel 1: Yes.\n\nChannel 0: circumstances. I know that you've got group cover in hub, and it was done that way because retail cover.\n\nChannel 1: Yep.\n\nChannel 0: So that's where you apply for the cover to be underwritten, so just a different type,\n\nChannel 1: Yep.\n\nChannel 0: was really expensive due to your occupation.\n\nChannel 1: Yeah.\n\nChannel 0: So given that you're less on the road now, I mean,\n\nChannel 1: Yep.\n\nChannel 0: thirty percent's probably still something that they're gonna consider\n\nChannel 1: Yeah.\n\nChannel 0: as a\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Do you go outside the 400 kilometers anymore or when\n\nChannel 1: Yeah.\n\nChannel 0: you are\n\nChannel 1: Yeah.\n\nChannel 0: driving?\n\nChannel 1: No. No. No. No. No way.\n\nI would like you to do probably a 100 and a 150 k's really for doing it. Yeah. Fair. Yeah. I'm just normally doing a little local stuff, and I'll sort of move drivers around, and\n\nChannel 0: Okay.\n\nChannel 1: I'll just stay within\n\nChannel 0: Yep.\n\nChannel 1: probably a 100 k's. Yeah.\n\nChannel 0: Okay. Would you like me to look at seeing if we can do any retail cover, or are you happy leaving it in the group cover environment?\n\nChannel 1: It's loading I'll leave it there from at the moment.\n\nChannel 0: Okay.\n\nChannel 1: Because this is as the company grows, you know, next month or so, I'll possibly be doing that sixty thirty until I reach the point where I need another driver to cover\n\nChannel 0: Yep.\n\nChannel 1: that sort of role. So some days, it might be only one day a week. The next week, it might be free, then I might not have any for two weeks. So, you know, I'm stuck in the office. So,\n\nChannel 0: Of course.\n\nChannel 1: like, yeah. So it's just depending on how the volume is coming to Christmas. Summer, I'm\n\nChannel 0: Yeah.\n\nChannel 1: hoping to build enough where I can get enough work three days a week to apply it on a casual, and then I'll be back to in the office again most of the time. That's a big goal.\n\nChannel 0: Okay. Okay. Fantastic. Alright. That is brilliant.\n\nNow what I'm going to do do you have access to your emails\n\nChannel 1: Yeah.\n\nChannel 0: at all?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes? I'm gonna shoot you through a quick email. It's got the\n\nChannel 1: Yep.\n\nChannel 0: review pack, I guess you'd call it. Yep. Fantastic. I'm just gonna bring this up. Are you not driving at the moment, are you?\n\nBeautiful. Make sure. Otherwise, I can I can run through it verbally, and you can have a look at it post the meeting because we do do things a little bit more convenient for the clients?\n\nChannel 1: Yeah. Not not\n\nChannel 0: So\n\nChannel 1: it's for good time for you. Yep.\n\nChannel 0: yeah. Let me know when you've have you've got that first page open.\n\nChannel 1: Yep.\n\nChannel 0: That first page there is an overview of your super and insurance. So your superannuation is presently held in the Hub 24 platform with a balance of approximately a $140,809.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And your insurance of life and TPD is through the group cover insurance within HUB, and your life is insured for a 193,820, and your TPD\n\nChannel 1: Yep.\n\nChannel 0: is 54,581\n\nChannel 1: Yep.\n\nChannel 0: with that premium of $214.56 being\n\nChannel 1: Yep.\n\nChannel 0: funded from\n\nChannel 1: Yep.\n\nChannel 0: your superannuation balance in Hub twenty four. The next document over is your performance report from Hub twenty four for the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: Now the first thing that I'm going to speak about with this report is that first investment, the Powell Australian Equities Fund. You'll see the performance was less than ideal, to say it nicely. The here at Oakview, we've made the company decision that we're reviewing this investment and its appropriateness for all of our clients.\n\nChannel 1: Yep.\n\nChannel 0: Benelon it's not that the Australian share market itself has performed poorly in the last twelve months. It's the different type of investment managers. So and their mandates. So Benelung, for example, their mandate dictates that they seek out undervalued companies in within\n\nChannel 1: Yes.\n\nChannel 0: the Australian share market to look for growth opportunities. It's not a a bad mandate. It's just that the last twelve months, the financials and the resources sector really outperformed.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: we're not quick to change in and reactive in that aspect, but given that this has been somewhat of a a trend, we are looking to review that. So if you're happy for me to do that, I would like to go ahead and review that.\n\nChannel 1: Sure. Yes. I'm saying\n\nChannel 0: Beautiful. And\n\nChannel 1: yes.\n\nChannel 0: then there's one other one I would like to review in your portfolio. Oh, probably two, actually, to be honest with you. The next one down being the Beta Bank Hybrid Fund,\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: there's nothing wrong with that fund. It's just that there's some regulatory changes coming. So from January 2027, the banks in Australia aren't gonna be offering hybrids\n\nChannel 1: Yes.\n\nChannel 0: as an investment option.\n\nChannel 1: Right.\n\nChannel 0: So they're going to be phased out. I don't know what it looks like when they're phased out.\n\nChannel 1: Yep.\n\nChannel 0: So what I want to do is be a little bit more proactive in that space and look to see while it's still got great earnings, you know,\n\nChannel 1: Yeah.\n\nChannel 0: gross isn't at a significant loss or anything like that. I'd like to be a little bit more proactive and review for an alternative if that's okay with you.\n\nChannel 1: Yep. Yes. 100%. Yeah. Yep.\n\nChannel 0: Yep. And the other one I'd like to review is the very bottom one, the Van Eck Property ETF.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: It's a property a direct property fund. So as we know, property's taking a little bit of a hit lately with interest rates and all those lovely things\n\nChannel 1: Yep.\n\nChannel 0: that go along with it. Again, I mean, property, the same with the shares. They're gonna go up and down. That's how a gross asset particularly particularly behaves, ups and downs, I would I am gonna do a little bit of research as to whether that is something that we do replace or\n\nChannel 1: Yeah.\n\nChannel 0: not. So if you're you're happy for me to look into those three.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Is that okay?\n\nChannel 1: That'll be fine. Yes. Thank you. Yeah. Yep.\n\nChannel 0: Yeah. Okay. The remainder of your portfolio, you've got some great diversification. So you've got some global cybersecurity, which has performed fantastically. You have you have the battery tech and lithium global exposure again, so they've performed particularly well given the the uptake in electric vehicles.\n\nYep. And you've got some physical gold exposure, which along with the American s p S and P 500. So you work pretty well diversified\n\nChannel 1: Yeah. Yep.\n\nChannel 0: across your portfolio. Just a couple of little items we would look to review. So the overall return for your portfolio, which was impacted because of Benelon, was\n\nChannel 1: Yep.\n\nChannel 0: for the last twelve months 3.5%. So you're\n\nChannel 1: Yep.\n\nChannel 0: as a growth investor. Typically, as a growth investor, what we would like to see is an annualized return of anywhere between oh, I think it's seven six to 8% off the\n\nChannel 1: Yeah.\n\nChannel 0: top\n\nChannel 1: Yeah.\n\nChannel 0: of my head. Let\n\nChannel 1: Yep.\n\nChannel 0: yep.\n\nChannel 1: Yep.\n\nChannel 0: So we have definitely fallen short of that with the Better Long letting us down in that area.\n\nChannel 1: Yep.\n\nChannel 0: But when we look at the the long term growth of the overall portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Yeah.\n\nChannel 0: sitting where we want it to in the growth sector.\n\nChannel 1: Yep.\n\nChannel 0: Well, in the growth what we would expect to be gross returns.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The next document over is the Vanguard index chart. It's just a little tool that I like to\n\nChannel 1: Yep.\n\nChannel 0: share with clients. Those first four on the right hand side, US shares, Australian shares, international, and Australian listed property, they're your growth assets that I alluded to earlier with\n\nChannel 1: Yep. Yep.\n\nChannel 0: your bonds and cash being the defensive part. So as a growth investor, which is\n\nChannel 1: Yep.\n\nChannel 0: how you're tip you're invested at the moment, we would expect to see approximately 80% of your superannuation balance invested in those top four\n\nChannel 1: Yep. Yep.\n\nChannel 0: with 20% invested in the bottom two being your defensive assets.\n\nChannel 1: Yeah.\n\nChannel 0: So given your age and your access to super, which is at least twenty years away based on current legislation,\n\nChannel 1: Yep.\n\nChannel 0: With a growth investor, we we ex we say the minimum time frame is to be invested invested is for at least six years\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: Yep.\n\nChannel 0: the expectation of one in every five years being potentially a negative return.\n\nChannel 1: Yeah.\n\nChannel 0: So given your age, your I feel like that that is still appropriate. If you're comfortable, you can\n\nChannel 1: Yeah.\n\nChannel 0: even look at upping your exposure to growth assets Should that be something you wanna do,\n\nChannel 1: Yep.\n\nChannel 0: or we can review it at a later time.\n\nChannel 1: Yep.\n\nChannel 0: It's probably more so just passing the sleep at night test is what I call it.\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, so I think probably my question that I'm asking is, are you happy with maintaining that eighty twenty allocation split to growth and defensive assets, or did you wanna look at reviewing that?\n\nChannel 1: I think it's I mean, it yeah. I think we're going well. Like, it is there is a risk to take, but I think yeah. Keep it as it is.\n\nChannel 0: Yeah. Lovely.\n\nChannel 1: Like, you guys done such a good job since I've changed over. Like, I think I've I've I've only had the one sort of bad issue, but overall, still, yeah, still growing. So yeah.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: That's fine.\n\nChannel 0: That's\n\nChannel 1: Really.\n\nChannel 0: that's\n\nChannel 1: Yeah. It does a good job.\n\nChannel 0: oh, great. Fantastic. That's good to hear. The next document is our financial services guide. So it will explain to you, which you probably received last year also.\n\nThis is just an updated one.\n\nChannel 1: Yep.\n\nChannel 0: Explains who we are, that we are, who our licensee is,\n\nChannel 1: Yep.\n\nChannel 0: the type of advice we we provide, how we provide it, our fees, and how you can the complaints process should you need to utilize\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: Yep.\n\nChannel 0: The next document is your ongoing service agreement. So similar to receiving it previously, it is\n\nChannel 1: Yep.\n\nChannel 0: the agreement to basically sign up and be a client for another twelve months.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: So this is now a fixed fee rather\n\nChannel 1: Yep.\n\nChannel 0: than a percent based fee. So it's the annualized amount is $2,439.53. That's then divided by 12 and then deducted monthly. So monthly, it'd be around the $203.29 a mark\n\nChannel 1: Yep.\n\nChannel 0: per month deducted from Hub\n\nChannel 1: Yep.\n\nChannel 0: super balance.\n\nChannel 1: That's fine\n\nChannel 0: And\n\nChannel 1: then.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: yeah. And then the final document is, basically, your confirmation\n\nChannel 1: Yep.\n\nChannel 0: that we hold your tax file number on file. So when we established your superannuation fund, we would\n\nChannel 1: Yep.\n\nChannel 0: have got your tax file number to\n\nChannel 1: Yep.\n\nChannel 0: ensure that you weren't taxed excessively\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: super. So by signing that last form as well, you're just acknowledging that we hold that on file for you.\n\nChannel 1: Yeah. Yeah. Not a problem at all. Yep.\n\nChannel 0: Beautiful. So do you have any questions for me?\n\nChannel 1: No. Good. Like, I've had a few of these four Fairphone reviews now. And yeah. No.\n\nI said you guys do a good job.\n\nChannel 0: Lovely. I will in saying that, are you happy to keep them as annual reviews? Did you want them more regular? What was what's your thoughts?\n\nChannel 1: I like it. Yeah. Every twelve months is fine. It's yeah. I like it, and then I know we're out, but twelve months is good.\n\nYeah.\n\nChannel 0: Okay. Lovely.\n\nChannel 1: Yep.\n\nChannel 0: With those investment changes that I talked about or alluded to earlier,\n\nChannel 1: Yep.\n\nChannel 0: what I'll do is you'll receive a email from me probably in the next week and a half, I suspect. I'm just looking at the list at\n\nChannel 1: Yep.\n\nChannel 0: the moment. And all it will be is we call it a record of advice. So it's gonna\n\nChannel 1: Yep.\n\nChannel 0: contain the where the investment switches that we recommend being made to replace those funds that I've talked\n\nChannel 1: Yeah.\n\nChannel 0: about earlier.\n\nChannel 1: Yep.\n\nChannel 0: And you don't need to action anything. We will make those changes.\n\nChannel 1: Yep.\n\nChannel 0: It's really just for your record, so for your\n\nChannel 1: Yep.\n\nChannel 0: information.\n\nChannel 1: Yep. Oh, no. No problem. Thank you very much.\n\nChannel 0: Okay? Beautiful. It was lovely speaking with you today, Justin. I really appreciate your time.\n\nChannel 1: No. Thank you very much. I'm I was doing my job today. Yeah. Thank you.\n\nChannel 0: Oh, wonderful. And if you need anything at any time, please don't hesitate to phone.\n\nChannel 1: No, dear. 9 from the law.\n\nChannel 0: Thank you.\n\nChannel 1: 1014. Thank you. Bye.\n\nChannel 0: You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.64,"sentiment":"neutral","sentiment_score":0.04185851663351059},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.64,"end":4.98,"sentiment":"neutral","sentiment_score":0.03191668458748609}],"sentiment":"neutral","sentiment_score":0.032501498237252235,"channel":1,"num_words":17,"start":0.24,"end":4.98},{"sentences":[{"text":"Jenna Wheeler, Oakview Financial for your annual review meeting.","start":8.0,"end":12.34,"sentiment":"neutral","sentiment_score":0.0656573006676303}],"sentiment":"neutral","sentiment_score":0.0656573006676303,"channel":0,"num_words":9,"start":8.0,"end":12.34},{"sentences":[{"text":"Thanks.","start":19.234999,"end":19.715,"sentiment":"neutral","sentiment_score":0.31812822818756104},{"text":"Jenna Wheeler Arcview.","start":19.715,"end":20.935,"sentiment":"neutral","sentiment_score":0.09584535161654155},{"text":"Please stay on the line.","start":21.235,"end":22.455,"sentiment":"neutral","sentiment_score":0.06108793318271637},{"text":"Hello.","start":33.4,"end":33.72,"sentiment":"neutral","sentiment_score":0.039783038198947906},{"text":"John speaking.","start":33.72,"end":34.46,"sentiment":"neutral","sentiment_score":0.03500365000218153}],"sentiment":"neutral","sentiment_score":0.08507452392950654,"channel":1,"num_words":12,"start":19.234999,"end":34.46},{"sentences":[{"text":"Hi, Justin.","start":35.059998,"end":35.78,"sentiment":"neutral","sentiment_score":0.12762313708662987},{"text":"This is Jenna Phoning from Oakview Financial.","start":35.78,"end":37.88,"sentiment":"neutral","sentiment_score":0.14199294788496836},{"text":"How are you today?","start":37.94,"end":38.92,"sentiment":"neutral","sentiment_score":0.17384933680295944}],"sentiment":"neutral","sentiment_score":0.1495841735830674,"channel":0,"num_words":13,"start":35.059998,"end":38.92},{"sentences":[{"text":"I'm good.","start":38.92,"end":39.4,"sentiment":"positive","sentiment_score":0.4360648989677429},{"text":"Thank you.","start":39.4,"end":40.06,"sentiment":"positive","sentiment_score":0.6021392047405243}],"sentiment":"positive","sentiment_score":0.5191020518541336,"channel":1,"num_words":4,"start":38.92,"end":40.06},{"sentences":[{"text":"That's good.","start":40.535,"end":41.355,"sentiment":"positive","sentiment_score":0.4736383557319641},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":41.415,"end":46.235,"sentiment":"neutral","sentiment_score":0.031567838933804764},{"text":"Is that okay?","start":46.295,"end":47.114998,"sentiment":"neutral","sentiment_score":0.06026822701096535}],"sentiment":"neutral","sentiment_score":0.06621934599908334,"channel":0,"num_words":28,"start":40.535,"end":47.114998},{"sentences":[{"text":"That's fine.","start":47.415,"end":48.055,"sentiment":"neutral","sentiment_score":0.11916744709014893},{"text":"Yes.","start":48.055,"end":48.375,"sentiment":"neutral","sentiment_score":0.11047493666410446},{"text":"Yep.","start":48.375,"end":48.875,"sentiment":"neutral","sentiment_score":0.134545236825943}],"sentiment":"neutral","sentiment_score":0.12083876691758633,"channel":1,"num_words":4,"start":47.415,"end":48.875},{"sentences":[{"text":"Lovely.","start":49.254997,"end":49.754997,"sentiment":"neutral","sentiment_score":0.21537715196609497},{"text":"Justin, can I please ask you to confirm your full name and date of birth and address, please?","start":50.855,"end":55.69,"sentiment":"neutral","sentiment_score":0.07958626995484035}],"sentiment":"neutral","sentiment_score":0.08673315848174848,"channel":0,"num_words":19,"start":49.254997,"end":55.69},{"sentences":[{"text":"First third, nine ninety six.","start":56.535,"end":58.489998,"sentiment":"neutral","sentiment_score":0.02665553092956543},{"text":"Just a minute.","start":58.71,"end":59.77,"sentiment":"neutral","sentiment_score":0.05831714222828547},{"text":"Just a minute.","start":60.309998,"end":61.85,"sentiment":"neutral","sentiment_score":0.050076509515444435},{"text":"Four forty one mail bars straight monthly.","start":62.23,"end":64.65,"sentiment":"neutral","sentiment_score":0.052380140870809555}],"sentiment":"neutral","sentiment_score":0.0458399775541491,"channel":1,"num_words":18,"start":56.535,"end":64.65},{"sentences":[{"text":"Fantastic.","start":65.924995,"end":66.424995,"sentiment":"positive","sentiment_score":0.49896571040153503},{"text":"Thank you for that, Justin.","start":66.564995,"end":67.865,"sentiment":"positive","sentiment_score":0.5125798940658569},{"text":"I'm phoning today to complete your scheduled and your review.","start":69.045,"end":72.965,"sentiment":"neutral","sentiment_score":0.3121067672967911},{"text":"Do you have time to complete that","start":72.965,"end":74.485,"sentiment":"neutral","sentiment_score":0.12123637752873558}],"sentiment":"neutral","sentiment_score":0.3057211954956469,"channel":0,"num_words":23,"start":65.924995,"end":74.485},{"sentences":[{"text":"Yeah.","start":74.325,"end":74.565,"sentiment":"neutral","sentiment_score":0.05777238309383392}],"sentiment":"neutral","sentiment_score":0.05777238309383392,"channel":1,"num_words":1,"start":74.325,"end":74.565},{"sentences":[{"text":"now?","start":74.485,"end":74.985,"sentiment":"neutral","sentiment_score":0.04623280093073845}],"sentiment":"neutral","sentiment_score":0.04623280093073845,"channel":0,"num_words":1,"start":74.485,"end":74.985},{"sentences":[{"text":"Yeah.","start":74.565,"end":74.725,"sentiment":"neutral","sentiment_score":0.08128505945205688},{"text":"It's fine.","start":74.725,"end":75.365,"sentiment":"neutral","sentiment_score":0.11159907281398772},{"text":"Yeah.","start":75.365,"end":75.685,"sentiment":"neutral","sentiment_score":0.120698943734169},{"text":"Yep.","start":75.685,"end":76.185,"sentiment":"neutral","sentiment_score":0.17091670632362366}],"sentiment":"neutral","sentiment_score":0.11921977102756501,"channel":1,"num_words":5,"start":74.565,"end":76.185},{"sentences":[{"text":"Fantastic.","start":76.805,"end":77.305,"sentiment":"neutral","sentiment_score":0.3027253746986389},{"text":"Justin, before I jump into it as such, I'd like to just check-in with you and see if there's been any significant changes to your personal or financial situation since your last review.","start":78.649994,"end":90.509995,"sentiment":"neutral","sentiment_score":0.05299681154164401}],"sentiment":"neutral","sentiment_score":0.06034176928155562,"channel":0,"num_words":34,"start":76.805,"end":90.509995},{"sentences":[{"text":"No.","start":91.15,"end":91.39,"sentiment":"neutral","sentiment_score":-0.07541648298501968},{"text":"Not really.","start":91.39,"end":91.79,"sentiment":"neutral","sentiment_score":-0.10209553316235542},{"text":"I just sort of more aware of the truck now.","start":91.79,"end":93.55,"sentiment":"neutral","sentiment_score":-0.13345343247056007},{"text":"I'm now I'm I'm turned based on operations manager now.","start":93.55,"end":97.47,"sentiment":"neutral","sentiment_score":-0.05852130129933357},{"text":"So the truck stepped out of the truck a bit, but, yeah, the same sort of industry.","start":97.47,"end":101.615005,"sentiment":"neutral","sentiment_score":-0.07028787889901329}],"sentiment":"neutral","sentiment_score":-0.08485622070729733,"channel":1,"num_words":40,"start":91.15,"end":101.615005},{"sentences":[{"text":"So yeah.","start":101.615005,"end":102.915,"sentiment":"neutral","sentiment_score":-0.02455009613186121}],"sentiment":"neutral","sentiment_score":-0.02455009613186121,"channel":1,"num_words":2,"start":101.615005,"end":102.915},{"sentences":[{"text":"Okay.","start":102.925,"end":103.425,"sentiment":"neutral","sentiment_score":-0.009340365417301657},{"text":"So we had you down as Transport Logistics, but is it more operational management now?","start":103.829994,"end":110.009995,"sentiment":"neutral","sentiment_score":-0.013631699047982693}],"sentiment":"neutral","sentiment_score":-0.013363490696065128,"channel":0,"num_words":16,"start":102.925,"end":110.009995},{"sentences":[{"text":"Now yeah.","start":109.775,"end":110.175,"sentiment":"neutral","sentiment_score":-0.009114399552345276},{"text":"It's more operation manager now.","start":110.175,"end":111.700005,"sentiment":"neutral","sentiment_score":-0.0018395712599158288},{"text":"Yep.","start":111.700005,"end":112.200005,"sentiment":"neutral","sentiment_score":0.033801302313804626}],"sentiment":"neutral","sentiment_score":0.0007968308636918664,"channel":1,"num_words":8,"start":109.775,"end":112.200005},{"sentences":[{"text":"Okay.","start":112.95,"end":113.45,"sentiment":"neutral","sentiment_score":0.10319137573242188},{"text":"Fantastic.","start":115.03,"end":115.53,"sentiment":"neutral","sentiment_score":0.20925426483154297},{"text":"Have you did you get a pay change in that?","start":115.75,"end":119.555,"sentiment":"neutral","sentiment_score":0.053504316881299016}],"sentiment":"neutral","sentiment_score":0.07062406744807959,"channel":0,"num_words":12,"start":112.95,"end":119.555},{"sentences":[{"text":"We were out few perks and perks will say.","start":120.5,"end":123.3,"sentiment":"neutral","sentiment_score":0.02544020613034566},{"text":"Yeah.","start":123.3,"end":123.54,"sentiment":"neutral","sentiment_score":0.045103419572114944},{"text":"Yeah.","start":123.54,"end":123.78,"sentiment":"neutral","sentiment_score":0.05009659007191658},{"text":"We're working on it.","start":123.78,"end":126.284996,"sentiment":"neutral","sentiment_score":0.06568324659019709},{"text":"Yeah.","start":126.284996,"end":126.784996,"sentiment":"neutral","sentiment_score":0.13356605172157288}],"sentiment":"neutral","sentiment_score":0.04502880643121898,"channel":1,"num_words":16,"start":120.5,"end":126.784996},{"sentences":[{"text":"That's good.","start":126.735,"end":127.634995,"sentiment":"neutral","sentiment_score":0.22535822540521622}],"sentiment":"neutral","sentiment_score":0.22535822540521622,"channel":0,"num_words":2,"start":126.735,"end":127.634995},{"sentences":[{"text":"My mind is gonna come to me, Carol.","start":127.165,"end":128.925,"sentiment":"neutral","sentiment_score":0.06882507260888815},{"text":"So, you know, 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good.","start":134.1,"end":134.92001,"sentiment":"neutral","sentiment_score":0.2700038105249405},{"text":"Well, we had your income down as a 100,000.","start":134.98001,"end":137.62001,"sentiment":"neutral","sentiment_score":0.03978702839877871},{"text":"Is that still","start":137.62001,"end":138.6,"sentiment":"neutral","sentiment_score":0.03698608838021755}],"sentiment":"neutral","sentiment_score":0.09011019033690294,"channel":0,"num_words":15,"start":133.14,"end":138.6},{"sentences":[{"text":"That's","start":138.765,"end":139.08499,"sentiment":"neutral","sentiment_score":0.04020981118083}],"sentiment":"neutral","sentiment_score":0.04020981118083,"channel":1,"num_words":1,"start":138.765,"end":139.08499},{"sentences":[{"text":"correct?","start":138.90001,"end":139.40001,"sentiment":"neutral","sentiment_score":0.04309410601854324}],"sentiment":"neutral","sentiment_score":0.04309410601854324,"channel":0,"num_words":1,"start":138.90001,"end":139.40001},{"sentences":[{"text":"still the same.","start":139.08499,"end":139.805,"sentiment":"neutral","sentiment_score":0.032375952849785485},{"text":"Yes.","start":139.805,"end":139.98,"sentiment":"neutral","sentiment_score":0.0681733787059784},{"text":"Yeah.","start":140.14,"end":140.45999,"sentiment":"neutral","sentiment_score":0.08081525564193726},{"text":"Still the sign.","start":140.45999,"end":141.44,"sentiment":"neutral","sentiment_score":0.09607241799434026}],"sentiment":"neutral","sentiment_score":0.06679171836003661,"channel":1,"num_words":8,"start":139.08499,"end":141.44},{"sentences":[{"text":"Beautiful.","start":140.98001,"end":141.48001,"sentiment":"neutral","sentiment_score":0.28007733821868896},{"text":"Alright.","start":141.86,"end":142.26001,"sentiment":"neutral","sentiment_score":0.08226251602172852},{"text":"Fantastic.","start":142.26001,"end":142.76001,"sentiment":"positive","sentiment_score":0.7762038707733154},{"text":"Okay.","start":143.38,"end":143.70001,"sentiment":"positive","sentiment_score":0.37467992305755615},{"text":"So what I might do is just run through some of the information that can change from time to time to see that to make sure that we it's up to date on our 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we have definitely fallen short of that with the Better Long letting us down in that area.","start":1031.51,"end":1037.05,"sentiment":"neutral","sentiment_score":-0.29793110075924134}],"sentiment":"neutral","sentiment_score":-0.29793110075924134,"channel":0,"num_words":18,"start":1031.51,"end":1037.05},{"sentences":[{"text":"Yep.","start":1037.8949,"end":1038.3949,"sentiment":"neutral","sentiment_score":-0.054272472858428955}],"sentiment":"neutral","sentiment_score":-0.054272472858428955,"channel":1,"num_words":1,"start":1037.8949,"end":1038.3949},{"sentences":[{"text":"But when we look at the the long term growth of the overall 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do,","start":1131.21,"end":1137.395,"sentiment":"neutral","sentiment_score":-0.007932214182801545}],"sentiment":"neutral","sentiment_score":-0.007932214182801545,"channel":0,"num_words":16,"start":1131.21,"end":1137.395},{"sentences":[{"text":"Yep.","start":1137.83,"end":1138.33,"sentiment":"neutral","sentiment_score":0.01206767838448286}],"sentiment":"neutral","sentiment_score":0.01206767838448286,"channel":1,"num_words":1,"start":1137.83,"end":1138.33},{"sentences":[{"text":"or we can review it at a later time.","start":1138.015,"end":1140.275,"sentiment":"neutral","sentiment_score":0.004704546390308274}],"sentiment":"neutral","sentiment_score":0.004704546390308274,"channel":0,"num_words":9,"start":1138.015,"end":1140.275},{"sentences":[{"text":"Yep.","start":1140.87,"end":1141.37,"sentiment":"neutral","sentiment_score":0.03282861411571503}],"sentiment":"neutral","sentiment_score":0.03282861411571503,"channel":1,"num_words":1,"start":1140.87,"end":1141.37},{"sentences":[{"text":"It's probably more so just passing the sleep at night test is what I call it.","start":1141.0549,"end":1146.515,"sentiment":"neutral","sentiment_score":0.03776282991748303}],"sentiment":"neutral","sentiment_score":0.03776282991748303,"channel":0,"num_words":16,"start":1141.0549,"end":1146.515},{"sentences":[{"text":"Yep.","start":1146.8049,"end":1147.3049,"sentiment":"neutral","sentiment_score":0.05111854895949364}],"sentiment":"neutral","sentiment_score":0.05111854895949364,"channel":1,"num_words":1,"start":1146.8049,"end":1147.3049},{"sentences":[{"text":"So, yeah, so I think probably my question that I'm asking is, are you happy with maintaining that eighty twenty allocation split to growth and defensive assets, or did you wanna look at reviewing 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gonna","start":1338.905,"end":1339.865,"sentiment":"neutral","sentiment_score":0.08564223100741704}],"sentiment":"neutral","sentiment_score":0.09276606204609077,"channel":0,"num_words":18,"start":1333.145,"end":1339.865},{"sentences":[{"text":"Yep.","start":1339.5825,"end":1340.0825,"sentiment":"neutral","sentiment_score":0.06632546335458755}],"sentiment":"neutral","sentiment_score":0.06632546335458755,"channel":1,"num_words":1,"start":1339.5825,"end":1340.0825},{"sentences":[{"text":"contain the where the investment switches that we recommend being made to replace those funds that I've talked","start":1339.865,"end":1348.79,"sentiment":"neutral","sentiment_score":0.07359988697701031}],"sentiment":"neutral","sentiment_score":0.07359988697701031,"channel":0,"num_words":18,"start":1339.865,"end":1348.79},{"sentences":[{"text":"Yeah.","start":1348.625,"end":1349.125,"sentiment":"neutral","sentiment_score":0.04881747812032699}],"sentiment":"neutral","sentiment_score":0.04881747812032699,"channel":1,"num_words":1,"start":1348.625,"end":1349.125},{"sentences":[{"text":"about earlier.","start":1348.79,"end":1349.61,"sentiment":"neutral","sentiment_score":0.04863878712058067}],"sentiment":"neutral","sentiment_score":0.04863878712058067,"channel":0,"num_words":2,"start":1348.79,"end":1349.61},{"sentences":[{"text":"Yep.","start":1349.905,"end":1350.405,"sentiment":"neutral","sentiment_score":0.08694105595350266}],"sentiment":"neutral","sentiment_score":0.08694105595350266,"channel":1,"num_words":1,"start":1349.905,"end":1350.405},{"sentences":[{"text":"And you don't need to action anything.","start":1349.99,"end":1352.01,"sentiment":"neutral","sentiment_score":0.07922560349106789},{"text":"We will make those changes.","start":1352.0701,"end":1353.61,"sentiment":"neutral","sentiment_score":0.12371898591518402}],"sentiment":"neutral","sentiment_score":0.0977645128344496,"channel":0,"num_words":12,"start":1349.99,"end":1353.61},{"sentences":[{"text":"Yep.","start":1354.145,"end":1354.645,"sentiment":"neutral","sentiment_score":0.11702748388051988}],"sentiment":"neutral","sentiment_score":0.11702748388051988,"channel":1,"num_words":1,"start":1354.145,"end":1354.645},{"sentences":[{"text":"It's really just for your record, so for your","start":1354.4701,"end":1357.99,"sentiment":"neutral","sentiment_score":0.17516709367434183}],"sentiment":"neutral","sentiment_score":0.17516709367434183,"channel":0,"num_words":9,"start":1354.4701,"end":1357.99},{"sentences":[{"text":"Yep.","start":1357.8251,"end":1358.3251,"sentiment":"neutral","sentiment_score":0.12577742338180542}],"sentiment":"neutral","sentiment_score":0.12577742338180542,"channel":1,"num_words":1,"start":1357.8251,"end":1358.3251},{"sentences":[{"text":"information.","start":1357.99,"end":1358.49,"sentiment":"neutral","sentiment_score":0.10841983556747437}],"sentiment":"neutral","sentiment_score":0.10841983556747437,"channel":0,"num_words":1,"start":1357.99,"end":1358.49},{"sentences":[{"text":"Yep.","start":1359.345,"end":1359.845,"sentiment":"neutral","sentiment_score":0.07881876826286316},{"text":"Oh, no.","start":1360.98,"end":1361.22,"sentiment":"neutral","sentiment_score":0.16391056776046753},{"text":"No problem.","start":1361.22,"end":1361.78,"sentiment":"neutral","sentiment_score":0.27408023923635483},{"text":"Thank you very much.","start":1361.78,"end":1362.76,"sentiment":"positive","sentiment_score":0.443225622177124}],"sentiment":"neutral","sentiment_score":0.3030780967738893,"channel":1,"num_words":9,"start":1359.345,"end":1362.76},{"sentences":[{"text":"Okay?","start":1362.875,"end":1363.355,"sentiment":"neutral","sentiment_score":0.2556678056716919},{"text":"Beautiful.","start":1363.355,"end":1363.835,"sentiment":"positive","sentiment_score":0.6203633546829224},{"text":"It was lovely speaking with you today, Justin.","start":1363.835,"end":1365.755,"sentiment":"positive","sentiment_score":0.7052628248929977},{"text":"I really appreciate your time.","start":1365.755,"end":1367.2949,"sentiment":"positive","sentiment_score":0.6311856865882873}],"sentiment":"positive","sentiment_score":0.6449374794960022,"channel":0,"num_words":15,"start":1362.875,"end":1367.2949},{"sentences":[{"text":"No.","start":1367.62,"end":1367.78,"sentiment":"neutral","sentiment_score":0.08835954964160919},{"text":"Thank you very much.","start":1367.78,"end":1368.5,"sentiment":"neutral","sentiment_score":0.2079162485897541},{"text":"I'm I was doing my job today.","start":1368.5,"end":1370.26,"sentiment":"neutral","sentiment_score":0.12214092750634466},{"text":"Yeah.","start":1370.26,"end":1370.5,"sentiment":"neutral","sentiment_score":0.16633427143096924},{"text":"Thank you.","start":1370.5,"end":1371.24,"sentiment":"positive","sentiment_score":0.3577374815940857}],"sentiment":"neutral","sentiment_score":0.17712135141094526,"channel":1,"num_words":15,"start":1367.62,"end":1371.24},{"sentences":[{"text":"Oh, wonderful.","start":1371.59,"end":1372.23,"sentiment":"neutral","sentiment_score":0.18030716478824615},{"text":"And if you need anything at any time, please don't hesitate to phone.","start":1372.23,"end":1375.37,"sentiment":"neutral","sentiment_score":0.12388294691649768}],"sentiment":"neutral","sentiment_score":0.13140617596606413,"channel":0,"num_words":15,"start":1371.59,"end":1375.37},{"sentences":[{"text":"No, dear.","start":1375.663,"end":1376.2229,"sentiment":"neutral","sentiment_score":-0.1384374015033245},{"text":"9 from the law.","start":1376.2229,"end":1377.283,"sentiment":"neutral","sentiment_score":-0.07333316281437874}],"sentiment":"neutral","sentiment_score":-0.095034575710694,"channel":1,"num_words":6,"start":1375.663,"end":1377.283},{"sentences":[{"text":"Thank you.","start":1377.8301,"end":1378.65,"sentiment":"positive","sentiment_score":0.48991096019744873}],"sentiment":"positive","sentiment_score":0.48991096019744873,"channel":0,"num_words":2,"start":1377.8301,"end":1378.65},{"sentences":[{"text":"1014.","start":1379.023,"end":1379.663,"sentiment":"neutral","sentiment_score":0.1402694284915924},{"text":"Thank you.","start":1379.663,"end":1380.063,"sentiment":"positive","sentiment_score":0.5646082758903503},{"text":"Bye.","start":1380.063,"end":1380.563,"sentiment":"positive","sentiment_score":0.34717175364494324}],"sentiment":"positive","sentiment_score":0.4041644334793091,"channel":1,"num_words":4,"start":1379.023,"end":1380.563},{"sentences":[{"text":"You too.","start":1380.79,"end":1381.35,"sentiment":"neutral","sentiment_score":0.2972663342952728},{"text":"Bye.","start":1381.35,"end":1381.85,"sentiment":"neutral","sentiment_score":-0.1160905659198761}],"sentiment":"neutral","sentiment_score":0.15948070089022318,"channel":0,"num_words":3,"start":1380.79,"end":1381.85}]},"summary":{"result":"success","short":"Representatives from Oakview Financial conduct annual reviews meetings with potential clients and discuss retirement goals and financial situation. They emphasize the importance of maintaining a portfolio allocation and offer coverage options for reducing risk. The representatives provide financial documents and reviews, emphasizing the need for a regular annual review and providing a financial services guide. They also mention the impact of the Australian share market and the volatility of the investment market on the portfolio. The potential client is advised to contact the representative for further assistance."},"intents":{"segments":[{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?","start_word":57,"end_word":82,"intents":[{"intent":"Confirm call recording","confidence_score":0.19336526}]},{"text":"Justin, can I please ask you to confirm your full name and date of birth and address, please?","start_word":88,"end_word":105,"intents":[{"intent":"Confirm information","confidence_score":0.13756056}]},{"text":"Thank you for that, Justin. I'm phoning today to complete your scheduled and your review. Do you have time to complete that Yeah. now?","start_word":125,"end_word":148,"intents":[{"intent":"Complete review","confidence_score":0.0013976424}]},{"text":"Justin, before I jump into it as such, I'd like to just check-in with you and see if there's been any significant changes to your personal or financial situation since your last review. No. Not really.","start_word":155,"end_word":190,"intents":[{"intent":"Check-in with justin","confidence_score":0.012216315}]},{"text":"So what I might do is just run through some of the information that can change from time to time to see that to make sure that we it's up to date on our end.","start_word":335,"end_word":369,"intents":[{"intent":"Update information","confidence_score":0.07832095}]},{"text":"So, Justin, I have you down as single. Is that still correct? Yes. Yes.","start_word":370,"end_word":383,"intents":[{"intent":"Confirm identity","confidence_score":0.40541446}]},{"text":"And what's Sandra's best contact number?","start_word":470,"end_word":475,"intents":[{"intent":"Share contact information","confidence_score":0.0021774005}]},{"text":"So be changing to the operational management role, is it all in the office based 9. It's or probably do you go seventy thirty, but yeah. Occasionally, Yep. I occasionally, ironically, today, I'm in the truck because one of my drivers called in sick. So Okay. That's yeah. okay. Most most of the time, it's in the office. Yeah. Okay. K.","start_word":526,"end_word":586,"intents":[{"intent":"Change office location","confidence_score":0.051649272}]},{"text":"I have your employer as Suncoast Express. Is that still correct? Yes.","start_word":596,"end_word":607,"intents":[{"intent":"Confirm employer","confidence_score":0.20872702}]},{"text":"We have your savings down Yeah. at approximately $200 a week. Would that still is that still correct? Yeah.","start_word":634,"end_word":652,"intents":[{"intent":"Confirm savings","confidence_score":0.46183863}]},{"text":"So I have here that you're renting. Is that Yep.","start_word":734,"end_word":743,"intents":[{"intent":"Confirm rental status","confidence_score":0.005754992}]},{"text":"So I'm focusing on rebuilding the company, rebuilding the brand name of that company.","start_word":1021,"end_word":1034,"intents":[{"intent":"Rebuild company","confidence_score":0.65528786}]},{"text":"So I'm focusing on rebuilding the company, rebuilding the brand name of that company. And, yeah, at the moment, I'm six months into that. I'll you know, probably going 20% more work just Yep. by focusing on that role at the moment. Yeah.","start_word":1021,"end_word":1063,"intents":[{"intent":"Focus on role","confidence_score":0.9374665}]},{"text":"The next one was that you'd like to retire and have a place in a a place in a nice little country town, be comfortable Yes.","start_word":1146,"end_word":1171,"intents":[{"intent":"Retire","confidence_score":0.20430906}]},{"text":"Then with your superannuation, you said originally your goal for seeking advice was to get your super working better for you now to ensure long term that you can maximize your balance so you can comfortably retire. Yeah. How Yep.","start_word":1267,"end_word":1306,"intents":[{"intent":"Maximize balance","confidence_score":0.88034797},{"intent":"Ensure balance","confidence_score":0.023799265}]},{"text":"Is it still to ensure that it's invested appropriately, building Yeah.","start_word":1315,"end_word":1325,"intents":[{"intent":"Invest funds","confidence_score":0.00069464213}]},{"text":"the right channels and build it so I can aim for that 65 retirement. That's what I'm talking. Okay.","start_word":1348,"end_word":1366,"intents":[{"intent":"Build channels","confidence_score":0.013377406}]},{"text":"then there's one other one I would like to review in your portfolio.","start_word":2142,"end_word":2154,"intents":[{"intent":"Review portfolio","confidence_score":0.83134896},{"intent":"Review investment portfolio","confidence_score":0.020215359}]},{"text":"as an investment option.","start_word":2205,"end_word":2208,"intents":[{"intent":"Review alternative investment options","confidence_score":0.0007230207}]},{"text":"as an investment option. Right.","start_word":2205,"end_word":2209,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0025996265},{"intent":"Explore options for investment options","confidence_score":0.000004715585}]},{"text":"The remainder of your portfolio, you've got some great diversification. So you've got some global cybersecurity, which has performed fantastically. You have you have the battery tech and lithium global exposure again, so they've performed particularly well given the the uptake in electric vehicles. Yep.","start_word":2425,"end_word":2469,"intents":[{"intent":"Analyze portfolio diversification","confidence_score":0.02647289}]},{"text":"So monthly, it'd be around the $203.29 a mark Yep. per month deducted from Hub Yep. super balance.","start_word":3121,"end_word":3138,"intents":[{"intent":"Deduct tax deductible","confidence_score":1.0132879e-7}]},{"text":"And then the final document is, basically, your confirmation Yep. that we hold your tax file number on file.","start_word":3145,"end_word":3163,"intents":[{"intent":"Confirm holding of tax file number","confidence_score":0.02090931}]},{"text":"So by signing that last form as well, you're just acknowledging that we hold that on file for you. Yeah.","start_word":3192,"end_word":3211,"intents":[{"intent":"Acknowledge holding of tax file number","confidence_score":0.21446322}]},{"text":"I will in saying that, are you happy to keep them as annual reviews? Did you want them more regular?","start_word":3253,"end_word":3272,"intents":[{"intent":"Keep annual reviews","confidence_score":0.08478315}]},{"text":"With those investment changes that I talked about or alluded to earlier, Yep. what I'll do is you'll receive a email from me probably in the next week and a half, I suspect.","start_word":3307,"end_word":3339,"intents":[{"intent":"Receive investment changes","confidence_score":0.02609162}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Jenna Wheeler, Oakview Financial for your annual review meeting. Thanks. Jenna Wheeler Arcview. Please stay on the line. Hello. John speaking. Hi, Justin. This is Jenna Phoning from Oakview Financial. How are you today?","start_word":0,"end_word":50,"sentiment":"neutral","sentiment_score":0.0844615250825882},{"text":"I'm good. Thank you. That's good.","start_word":51,"end_word":56,"sentiment":"positive","sentiment_score":0.4864107370376587},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? That's fine. Yes. Yep. Lovely. Justin, can I please ask you to confirm your full name and date of birth and address, please? First third, nine ninety six. Just a minute. Just a minute. Four forty one mail bars straight monthly.","start_word":57,"end_word":123,"sentiment":"neutral","sentiment_score":0.06268469244241714},{"text":"Fantastic. Thank you for that, Justin.","start_word":124,"end_word":129,"sentiment":"positive","sentiment_score":0.5064025521278381},{"text":"I'm phoning today to complete your scheduled and your review. Do you have time to complete that Yeah. now? Yeah. It's fine. Yeah. Yep. Fantastic. Justin, before I jump into it as such, I'd like to just check-in with you and see if there's been any significant changes to your personal or financial situation since your last review. No. Not really. I just sort of more aware of the truck now. I'm now I'm I'm turned based on operations manager now. So the truck stepped out of the truck a bit, but, yeah, the same sort of industry. So yeah. Okay. So we had you down as Transport Logistics, but is it more operational management now? Now yeah. It's more operation manager now. Yep. Okay. Fantastic. Have you did you get a pay change in that? We were out few perks and perks will say. Yeah. Yeah. We're working on it. Yeah. That's good. My mind is gonna come to me, Carol. So, you know, yeah. Yeah. Yeah. Or Oh, do that's something. Yeah. good. Yeah.","start_word":130,"end_word":305,"sentiment":"neutral","sentiment_score":0.043009426444768906},{"text":"Fantastic.","start_word":306,"end_word":306,"sentiment":"positive","sentiment_score":0.3426037132740021},{"text":"That's good. Well, we had your income down as a 100,000. Is that still That's correct? still the same. Yes. Yeah. Still the sign. Beautiful. Alright.","start_word":307,"end_word":332,"sentiment":"neutral","sentiment_score":0.09257521480321884},{"text":"Fantastic. Okay.","start_word":333,"end_word":334,"sentiment":"positive","sentiment_score":0.5754419565200806},{"text":"So what I might do is just run through some of the information that can change from time to time to see that to make sure that we it's up to date on our end. So, Justin, I have you down as single. Is that still correct? Yes. Yes. Yep. Yeah. And you have one dependent? Correct. Yes. Yeah. Is a child Child. Yes. Yes. yeah. Yep. Okay. Name and age? Sophie Miller and then I just fell in. Lovely. Alright. And we have your mom down here as next of kin, but we don't have her name. Would Sorry. I be able What to was that? get her Sorry? name? We have your mom listed Oh, here yeah. as your Sandra next of Sandra kin. Miller. Hold on. Yeah. It's Sandra Miller. Yep.","start_word":335,"end_word":468,"sentiment":"neutral","sentiment_score":0.028960010036826137},{"text":"Fantastic.","start_word":469,"end_word":469,"sentiment":"positive","sentiment_score":0.34721070528030396},{"text":"And what's Sandra's best contact number? I have to grab a 4. Sorry. Let me see. I should know the thing, but now they have a technology. We know one that remembers mobile Oh, yes. Yep. phone. Let me see. Respond it. You're alright. You ready? Yes. It's 0418 Yes. 921 Yes. 07 Fantastic.","start_word":470,"end_word":523,"sentiment":"neutral","sentiment_score":0.033995892852544785},{"text":"Thank you.","start_word":524,"end_word":525,"sentiment":"positive","sentiment_score":0.4161907434463501},{"text":"So be changing to the operational management role, is it all in the office based 9. It's or probably do you go seventy thirty, but yeah. Occasionally, Yep. I occasionally, ironically, today, I'm in the truck because one of my drivers called in sick. So Okay. That's yeah. okay. Most most of the time, it's in the office. Yeah. Okay. K. Sorry. I'll just make a note of that. Yep. I have your employer as Suncoast Express. Is that still correct? Yes. You're correct. Yes. Yep. Yeah. And full time, Full thirty time. eight hours Yeah. a Yeah. week? Full time. Yeah. Yeah. Yep. Plus. Yeah. Yeah. Alright. We have your savings down Yeah. at approximately $200 a week. Would that still is that still correct? Yeah. We we have it. Probably try and put that away where I can. Yeah. Every week. Yeah. Yeah. So would your expenditure be the difference Yeah. of your income your weekly income and that savings? Yeah. Because sometimes sometimes yeah. Yeah. Yeah. Yeah. Okay. And are you making any other additional contributions to super besides what your employer does for you? No. Not at the moment. No. No. And any EBA arrangement in place with your employer? No. No. No. Okay. So I have here that you're renting. Is that Yep. still the case? Yeah. Still renting. Yes. Yes. Yep. Yep. Any other assets and liabilities that you can think of? Not really. No. Because once sort of yeah. Yeah. You just your household stuff sort of thing. Yeah. Yeah. Car, cash, any savings? Oh, the car, I don't need I sort of sold the car because I didn't need the car because I got a company yet. So Yep. Yes. just put that money back in the bank. So yeah. So I probably got Okay. about, I don't know, 5,000 in the bank.","start_word":526,"end_word":836,"sentiment":"neutral","sentiment_score":-0.02910911797926165},{"text":"Lovely. Thank you.","start_word":837,"end_word":839,"sentiment":"positive","sentiment_score":0.40133213996887207},{"text":"Alright. I have here that you were bankrupt and it finished in January 2026. Has that all been finalized? Correct. That's Old Fond Duarte. Yep.","start_word":840,"end_word":864,"sentiment":"neutral","sentiment_score":0.05773436650633812},{"text":"Fantastic.","start_word":865,"end_word":865,"sentiment":"positive","sentiment_score":0.3611476421356201},{"text":"And you are a nonsmoker? Correct. Yep. Yeah. And you don't have a will or power of attorney. Not at the moment. No. I need to do that, but not not at the moment. Okay.","start_word":866,"end_word":900,"sentiment":"neutral","sentiment_score":-0.07292178273200989},{"text":"Fantastic.","start_word":901,"end_word":901,"sentiment":"positive","sentiment_score":0.39147913455963135},{"text":"So with your goals and objectives, I just wanna revisit those just to make sure that they're still reflective of your current wishes and Yep. what you're aiming to achieve. What your first goal was that you'd like to continue to build your savings and eventually look to purchase your own truck for work purposes over the coming years. Is that something you're still working towards? Probably shifts a little bit now, like, now when they're all I'm in. So it's not Yep. so number one priority at the moment. My number one priority is to build build the company I've got taken over and rebuild that from so I've got a hand in a pretty bad state. So I'm focusing on rebuilding the company, rebuilding the brand name of that company. And, yeah, at the moment, I'm six months into that. I'll you know, probably going 20% more work just Yep. by focusing on that role at the moment. Yeah. Okay. So you're not looking at your No. own truck Not at or the anything moment. anymore? No. No. Not Nope. long term on mine, but at the moment, no. No. And Not? Okay.","start_word":902,"end_word":1096,"sentiment":"neutral","sentiment_score":-0.018906128463836817},{"text":"being honest with you, you know, at the moment, it'd be a big risk at the moment.","start_word":1097,"end_word":1113,"sentiment":"negative","sentiment_score":-0.4855891168117523},{"text":"Yeah. Yeah. Especially with the price of these. Alright? Yeah. Yes. Yes. I see the bill, and I'm like, no. That's I found it onto the items. Here you go. Oh, yes. The next one was that you'd like to retire and have a place in a a place in a nice little country town, be comfortable Yes. Yeah. in your financial position, and you'd Yep. like to get a caravan and do some travel around Australia and Yeah. relax Long more. term. Yeah. Yeah.","start_word":1114,"end_word":1198,"sentiment":"neutral","sentiment_score":0.1213589608669281},{"text":"Long term, that's definitely the main goal.","start_word":1199,"end_word":1205,"sentiment":"positive","sentiment_score":0.4199075698852539},{"text":"Yeah. Sure. Yep. Yeah. So that is that and so your retirement age, we had down here at 65 with an income made of 1,000 a week. Would that Yeah. in today's dollars? Would Yeah. that still be correct? That's still correct. Yeah. Yeah. That's actually over there. So we're normally around about fourteen hundred fairly fourteen hundred weeks. Yes. Okay. Then with your superannuation, you said originally your goal for seeking advice was to get your super working better for you now to ensure long term that you can maximize your balance so you can comfortably retire. Yeah. How Yep. have you what what's your goal with SuperNow? Is it still to ensure that it's invested appropriately, building Yeah. wealth? Yeah. What Pretty much. Yeah. in Pretty much. Both both of that really to be yeah. Make sure it's in Yeah.","start_word":1206,"end_word":1347,"sentiment":"neutral","sentiment_score":0.13186390697956085},{"text":"the right channels and build it so I can aim for that 65 retirement.","start_word":1348,"end_word":1361,"sentiment":"positive","sentiment_score":0.33566921949386597},{"text":"That's what I'm talking. Okay. Yeah. Yep. To build sorry. I'm just making a note of this. Yep. Okay. And then you had mentioned that you're keen to have all three types of Yep.","start_word":1362,"end_word":1395,"sentiment":"neutral","sentiment_score":0.13524412013152065},{"text":"insurances moving forward being life, TPD, and income protection, and you're happy to consider recommendations from the adviser with what they felt would be an appropriate level of cover given your Yes.","start_word":1396,"end_word":1427,"sentiment":"positive","sentiment_score":0.4382884204387665},{"text":"circumstances. I know that you've got group cover in hub, and it was done that way because retail cover. Yep. So that's where you apply for the cover to be underwritten, so just a different type, Yep. was really expensive due to your occupation. Yeah. So given that you're less on the road now, I mean, Yep. thirty percent's probably still something that they're gonna consider Yeah. as a Yeah. yeah. Do you go outside the 400 kilometers anymore or when Yeah. you are Yeah. driving? No. No. No. No. No way. I would like you to do probably a 100 and a 150 k's really for doing it. Yeah. Fair. Yeah. I'm just normally doing a little local stuff, and I'll sort of move drivers around, and Okay. I'll just stay within Yep. probably a 100 k's. Yeah. Okay. Would you like me to look at seeing if we can do any retail cover, or are you happy leaving it in the group cover environment? It's loading I'll leave it there from at the moment. Okay. Because this is as the company grows, you know, next month or so, I'll possibly be doing that sixty thirty until I reach the point where I need another driver to cover Yep. that sort of role. So some days, it might be only one day a week. The next week, it might be free, then I might not have any for two weeks. So, you know, I'm stuck in the office. So, Of course. like, yeah. So it's just depending on how the volume is coming to Christmas. Summer, I'm Yeah. hoping to build enough where I can get enough work three days a week to apply it on a casual, and then I'll be back to in the office again most of the time. That's a big goal. Okay. Okay.","start_word":1428,"end_word":1736,"sentiment":"neutral","sentiment_score":0.05033683845574416},{"text":"Fantastic. Alright. That is brilliant.","start_word":1737,"end_word":1741,"sentiment":"positive","sentiment_score":0.6651641130447388},{"text":"Now what I'm going to do do you have access to your emails Yeah. at all? Yes. Yes. Yes? I'm gonna shoot you through a quick email. It's got the Yep. review pack, I guess you'd call it. Yep.","start_word":1742,"end_word":1780,"sentiment":"neutral","sentiment_score":0.08189060539007187},{"text":"Fantastic.","start_word":1781,"end_word":1781,"sentiment":"positive","sentiment_score":0.5369077324867249},{"text":"I'm just gonna bring this up. Are you not driving at the moment, are you?","start_word":1782,"end_word":1796,"sentiment":"neutral","sentiment_score":0.11034578830003738},{"text":"Beautiful.","start_word":1797,"end_word":1797,"sentiment":"positive","sentiment_score":0.4215883016586304},{"text":"Make sure. Otherwise, I can I can run through it verbally, and you can have a look at it post the meeting because we do do things a little bit more convenient for the clients? Yeah. Not not So it's for good time for you. Yep. yeah. Let me know when you've have you've got that first page open. Yep. That first page there is an overview of your super and insurance. So your superannuation is presently held in the Hub 24 platform with a balance of approximately a $140,809. Yep. Yep. And your insurance of life and TPD is through the group cover insurance within HUB, and your life is insured for a 193,820, and your TPD Yep. is 54,581 Yep. with that premium of $214.56 being Yep. funded from Yep. your superannuation balance in Hub twenty four. The next document over is your performance report from Hub twenty four for the last twelve months. Yep. Now the first thing that I'm going to speak about with this report is that first investment, the Powell Australian Equities Fund. You'll see the performance was less than ideal, to say it nicely. The here at Oakview, we've made the company decision that we're reviewing this investment and its appropriateness for all of our clients. Yep. Benelon it's not that the Australian share market itself has performed poorly in the last twelve months. It's the different type of investment managers. So and their mandates. So Benelung, for example, their mandate dictates that they seek out undervalued companies in within Yes. the Australian share market to look for growth opportunities. It's not a a bad mandate.","start_word":1798,"end_word":2070,"sentiment":"neutral","sentiment_score":-0.018510345369577408},{"text":"It's just that the last twelve months, the financials and the resources sector really outperformed.","start_word":2071,"end_word":2085,"sentiment":"positive","sentiment_score":0.4316635727882385},{"text":"Yep. So Yep. we're not quick to change in and reactive in that aspect, but given that this has been somewhat of a a trend, we are looking to review that.","start_word":2086,"end_word":2116,"sentiment":"neutral","sentiment_score":0.0975932627916336},{"text":"So if you're happy for me to do that, I would like to go ahead and review that.","start_word":2117,"end_word":2134,"sentiment":"positive","sentiment_score":0.37289121747016907},{"text":"Sure. Yes.","start_word":2135,"end_word":2136,"sentiment":"neutral","sentiment_score":0.23859940469264984},{"text":"I'm saying Beautiful.","start_word":2137,"end_word":2139,"sentiment":"positive","sentiment_score":0.34034571051597595},{"text":"And yes. then there's one other one I would like to review in your portfolio. Oh, probably two, actually, to be honest with you. The next one down being the Beta Bank Hybrid Fund, Yep. that Yep. there's nothing wrong with that fund. It's just that there's some regulatory changes coming. So from January 2027, the banks in Australia aren't gonna be offering hybrids Yes. as an investment option. Right. So they're going to be phased out. I don't know what it looks like when they're phased out. Yep. So what I want to do is be a little bit more proactive in that space and look to see while it's still got great earnings, you know, Yeah. gross isn't at a significant loss or anything like that. I'd like to be a little bit more proactive and review for an alternative if that's okay with you. Yep. Yes. 100%. Yeah. Yep. Yep. And the other one I'd like to review is the very bottom one, the Van Eck Property ETF. Yeah. Yep. It's a property a direct property fund. So as we know, property's taking a little bit of a hit lately with interest rates and all those lovely things Yep. that go along with it. Again, I mean, property, the same with the shares. They're gonna go up and down. That's how a gross asset particularly particularly behaves, ups and downs, I would I am gonna do a little bit of research as to whether that is something that we do replace or Yeah. not. So if you're you're happy for me to look into those three. Yeah. Yep. Yeah. Is that okay?","start_word":2140,"end_word":2414,"sentiment":"neutral","sentiment_score":0.028232883661985397},{"text":"That'll be fine. Yes. Thank you.","start_word":2415,"end_word":2420,"sentiment":"positive","sentiment_score":0.45591190457344055},{"text":"Yeah. Yep. Yeah. Okay.","start_word":2421,"end_word":2424,"sentiment":"neutral","sentiment_score":0.2305115908384323},{"text":"The remainder of your portfolio, you've got some great diversification. So you've got some global cybersecurity, which has performed fantastically. You have you have the battery tech and lithium global exposure again, so they've performed particularly well given the the uptake in electric vehicles.","start_word":2425,"end_word":2468,"sentiment":"positive","sentiment_score":0.4870964288711548},{"text":"Yep. And you've got some physical gold exposure, which along with the American s p S and P 500.","start_word":2469,"end_word":2487,"sentiment":"neutral","sentiment_score":0.2690553367137909},{"text":"So you work pretty well diversified Yeah.","start_word":2488,"end_word":2494,"sentiment":"positive","sentiment_score":0.4041711986064911},{"text":"Yep. across your portfolio. Just a couple of little items we would look to review. So the overall return for your portfolio, which was impacted because of Benelon, was Yep. for the last twelve months 3.5%. So you're Yep. as a growth investor. Typically, as a growth investor, what we would like to see is an annualized return of anywhere between oh, I think it's seven six to 8% off the Yeah. top Yeah. of my head. Let Yep. yep. Yep. So we have definitely fallen short of that with the Better Long letting us down in that area. Yep. But when we look at the the long term growth of the overall portfolio. Yeah. It's Yeah. sitting where we want it to in the growth sector. Yep. Well, in the growth what we would expect to be gross returns. Yep. Yep. The next document over is the Vanguard index chart. It's just a little tool that I like to Yep. share with clients. Those first four on the right hand side, US shares, Australian shares, international, and Australian listed property, they're your growth assets that I alluded to earlier with Yep. Yep. your bonds and cash being the defensive part. So as a growth investor, which is Yep. how you're tip you're invested at the moment, we would expect to see approximately 80% of your superannuation balance invested in those top four Yep. Yep. with 20% invested in the bottom two being your defensive assets. Yeah. So given your age and your access to super, which is at least twenty years away based on current legislation, Yep. With a growth investor, we we ex we say the minimum time frame is to be invested invested is for at least six years Yeah. with Yep. the expectation of one in every five years being potentially a negative return. Yeah. So given your age, your I feel like that that is still appropriate. If you're comfortable, you can Yeah. even look at upping your exposure to growth assets Should that be something you wanna do, Yep. or we can review it at a later time. Yep. It's probably more so just passing the sleep at night test is what I call it. Yep. So, yeah, so I think probably my question that I'm asking is, are you happy with maintaining that eighty twenty allocation split to growth and defensive assets, or did you wanna look at reviewing that? I think it's I mean, it yeah. I think we're going well. Like, it is there is a risk to take, but I think yeah. Keep it as it is. Yeah.","start_word":2495,"end_word":2932,"sentiment":"neutral","sentiment_score":0.0023573539113481293},{"text":"Lovely. Like, you guys done such a good job since I've changed over.","start_word":2933,"end_word":2945,"sentiment":"positive","sentiment_score":0.43176817893981934},{"text":"Like, I think I've I've I've only had the one sort of bad issue, but overall, still, yeah, still growing. So yeah. Yeah. Yep. That's fine. That's Really. that's Yeah.","start_word":2946,"end_word":2975,"sentiment":"neutral","sentiment_score":0.02283274196088314},{"text":"It does a good job. oh, great. Fantastic. That's good to hear.","start_word":2976,"end_word":2987,"sentiment":"positive","sentiment_score":0.4823729395866394},{"text":"The next document is our financial services guide. So it will explain to you, which you probably received last year also. This is just an updated one. Yep. Explains who we are, that we are, who our licensee is, Yep. the type of advice we we provide, how we provide it, our fees, and how you can the complaints process should you need to utilize Yep. that. Yep. The next document is your ongoing service agreement. So similar to receiving it previously, it is Yep. the agreement to basically sign up and be a client for another twelve months. Yeah. Yeah. Yep. So this is now a fixed fee rather Yep. than a percent based fee. So it's the annualized amount is $2,439.53. That's then divided by 12 and then deducted monthly. So monthly, it'd be around the $203.29 a mark Yep. per month deducted from Hub Yep. super balance. That's fine And then. then Yep. yeah. And then the final document is, basically, your confirmation Yep. that we hold your tax file number on file. So when we established your superannuation fund, we would Yep. have got your tax file number to Yep. ensure that you weren't taxed excessively Yeah. in Yeah. super. So by signing that last form as well, you're just acknowledging that we hold that on file for you. Yeah. Yeah. Not a problem at all. Yep.","start_word":2988,"end_word":3218,"sentiment":"neutral","sentiment_score":0.0646473297051021},{"text":"Beautiful.","start_word":3219,"end_word":3219,"sentiment":"positive","sentiment_score":0.5935256481170654},{"text":"So do you have any questions for me? No. Good. Like, I've had a few of these four Fairphone reviews now. And yeah. No.","start_word":3220,"end_word":3243,"sentiment":"neutral","sentiment_score":0.19821101427078247},{"text":"I said you guys do a good job. Lovely.","start_word":3244,"end_word":3252,"sentiment":"positive","sentiment_score":0.4885868430137634},{"text":"I will in saying that, are you happy to keep them as annual reviews? Did you want them more regular? What was what's your thoughts?","start_word":3253,"end_word":3277,"sentiment":"neutral","sentiment_score":0.1672956496477127},{"text":"I like it.","start_word":3278,"end_word":3280,"sentiment":"positive","sentiment_score":0.4024495482444763},{"text":"Yeah. Every twelve months is fine. It's yeah. I like it, and then I know we're out, but twelve months is good. Yeah. Okay.","start_word":3281,"end_word":3304,"sentiment":"neutral","sentiment_score":0.28671789169311523},{"text":"Lovely.","start_word":3305,"end_word":3305,"sentiment":"positive","sentiment_score":0.3526633381843567},{"text":"Yep. With those investment changes that I talked about or alluded to earlier, Yep. what I'll do is you'll receive a email from me probably in the next week and a half, I suspect. I'm just looking at the list at Yep. the moment. And all it will be is we call it a record of advice. So it's gonna Yep. contain the where the investment switches that we recommend being made to replace those funds that I've talked Yeah. about earlier. Yep. And you don't need to action anything. We will make those changes. Yep. It's really just for your record, so for your Yep. information. Yep. Oh, no. No problem.","start_word":3306,"end_word":3417,"sentiment":"neutral","sentiment_score":0.10241897404193878},{"text":"Thank you very much.","start_word":3418,"end_word":3421,"sentiment":"positive","sentiment_score":0.4480783641338349},{"text":"Okay?","start_word":3422,"end_word":3422,"sentiment":"neutral","sentiment_score":0.2556678056716919},{"text":"Beautiful. It was lovely speaking with you today, Justin. I really appreciate your time.","start_word":3423,"end_word":3436,"sentiment":"positive","sentiment_score":0.6687725186347961},{"text":"No. Thank you very much. I'm I was doing my job today. Yeah.","start_word":3437,"end_word":3449,"sentiment":"neutral","sentiment_score":0.1443812996149063},{"text":"Thank you. Oh, wonderful.","start_word":3450,"end_word":3453,"sentiment":"positive","sentiment_score":0.37864840030670166},{"text":"And if you need anything at any time, please don't hesitate to phone. No, dear. 9 from the law.","start_word":3454,"end_word":3472,"sentiment":"neutral","sentiment_score":0.03989802673459053},{"text":"Thank you.","start_word":3473,"end_word":3474,"sentiment":"positive","sentiment_score":0.46035993099212646},{"text":"1014.","start_word":3475,"end_word":3475,"sentiment":"neutral","sentiment_score":0.1402694284915924},{"text":"Thank you. Bye.","start_word":3476,"end_word":3478,"sentiment":"positive","sentiment_score":0.452152818441391},{"text":"You too. Bye.","start_word":3479,"end_word":3481,"sentiment":"neutral","sentiment_score":0.2252844274044037}],"average":{"sentiment":"neutral","sentiment_score":0.06635442252357165}}}}