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I had you booked in for your annual review. Is now still a good time? It probably takes about a half an hour or so. Do you have that time, or would you prefer to reschedule if now is a bit busy for you? Okay. Sure. I'll I'll try to make it quick for you. So I'll try to make it as quick as I can. Veronica. Yeah. Good. How are you? That's okay. Like I said, I'll tryna make it quick for you. But before I jump into it, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Thank you. And just to confirm I'm speaking with the correct person, just for security, could I get you to confirm full name, date of birth, and address, please? Yep. Yep. Perfect. Now I will make it quick. So what I'll do first is I'll just quickly run through a fact find with you just to confirm if there is anything major that has changed in your life if we need to make any changes to your advice. So bear with me. You're still what? Sorry. Yeah. That's good. Thanks. Now, Frances, when it comes to your personal information, I have you down here as in that you are in a defacto relationship and you have three financial dependents. Is that correct? And three kids. Yes. Yes. Yep. Now I have here next up Kin. So if something were to happen to you, someone that you we can call if we can't get in touch with you as Mohammed. Is that still correct? Yep. Perfect. Has your occupation changed in the last twelve months? Are you still working as a machine operator? All the same? Yes. Income, I have at about 80,000. That's still correct as well? About 70? Okay. Perfect. Yeah. Perfect. Assets. So I have here you have a car, a motor vehicle, valued at about 21,000. Mhmm. And that you have a property back in The Philippines. You still have that one? A property in The Philippines? Yep. And last, it was valued at about 180,000 Australian dollars? Yes. No. Your prop the property value. How much? About 180? Yeah. And do you have a a mortgage or a loan or anything attached to that property? Yes. And do you know how much you have owing on it? Roughly. So the 80. Okay. Perfect. Now did you say you have savings in the bank here in Australia as well? No? No. That's okay. How much? Yeah. No. That's still that's still decent. That's still something. And anything else? Do you have any other assets, any bikes, or anything else? No. Perfect. Any other, like, personal loans or credit cards or anything? No. Okay. And when it comes to health and life style, I have you here as a nonsmoker. Is that still the case? Yes. And have you had any changes to your health in the last twelve months at all? Still same? Okay. And when it comes to your beneficiary nominations for your CIFAR, so in the event something happens to you, I do wanna triple check I have the correct information. I have 50% to Mohammed, 15 to Don, 20 to Erwin, and 15 to Shanice. Is that correct? Yes. Beautiful. Now when it comes to kind of goals, stuff that you are working towards in the next twelve months, during the annual review, it's usually good to kind of get a bit of a check-in to see how everything went or what you are focusing on. And last time we spoke to you, your main priority was to tryna focus on building a little bit of a saving just as an emergency, have as a backup in case anything would happen to you or any family members. Is that still kind of your main focus? Yes. Anything else you are working towards, Frances, or that's your main priority? Yeah. Yeah. Yeah. And yeah. And when do you think you you wanna start retiring? Like, when do you think you would like to retire? Yep. So pension is 67 $60.67, but you can access superannuation if you stop working at 60. So that will be next year. Yeah. Yeah. Okay. Yeah. Yeah. Yes. Okay. Yeah. Perfect. Now when it comes to superannuations, so how your money's invested. Now to make it quicker for you, I will will kind of won't go through the risk profile questionnaire, but we'll talk about your current investments and how things are invested and see if that still aligns with you. So at the moment, we have you invested in a growth portfolio. Do you remember what that means or what it is at all? A a growth investor, so when it comes to the level of risk. Not sure? No. That's okay. Most people say the same, to be honest. But, essentially, I'm yeah. Now when it comes to the risk profile, what's important is making sure that with market fluctuations that you are comfortable. So this is more just like a a a level of risk that you are comfortable with to making sure that you have enough time in the market, but then also that you are comfortable with it. So at the moment, when we typically see a growth investor, it is for people who are looking at growing their superannuation as much as possible while you still have, you know, time while you are working, but also someone who is comfortable seeing a bit of a market fluctuation. So a little bit of up and down in the market as a result. Now when it comes to how your money is invested, what I will actually show you first is do you have access to your emails quickly for me? Okay. So what I have done is I have just sent you an email. If you could access that for me. Now it could go to yes, please. That's me. If you can click on it it should when you open up the email, it should say sign now, I believe. If you if you click on that one, it will allow you to open up and look at everything first before it prompts you to sign anything. Yes. Just open it up for me first. But if you click on the link, it should take you to a couple of attachments. Yes, please. Yeah. Sorry. If you can stay on this one here, does it say superannuation and insurances on it? Summary of superannuation. Yes. So we start with this one, which shows us that at the moment, you have your superannuation in Netwealth, and you have a $196,835 in there at the moment. Yes. Now July. At the moment. Yes. Now you also have life insurance with Neos. So that is if something were to happen to you, your loved ones will receive $268,387. Yeah. Yeah. Now which is which is still a decent amount because that means, obviously, that you can have a little peace of mind that, you know, if anything ever were to happen, at least your your family will get some support. Yeah. Yeah. Now your life insurance, you do get 15% discount on it. So it's about $1,835 for that the whole policy. Okay? Do you have any questions in regards to your insurance? Do you wanna change anything? Are you happy with what you have at the moment? Yes. Yes. Because it's paid from within superannuation. Unless you change it to like, unless you change to a different superannuation fund and you change where the policy is paid from. Yes. There are instances where, let's say, you turn 60 next year and you go, I wanna take all my money out. I've retired. I've stopped working, but you want to keep your life policy, we can check with Neos whether we can change it to a policy Correct. So whether we can change it so it's not owned by Super and it's owned by you directly, but that means you'd have you would have to pay for that yourself instead of Super. Yeah. Does that make sense? Yes. Any questions? Sure. Correct. Yes. Do you from work. Yes. So that should all be let me go into your account quickly for you and make sure that's all correct. Do you yes. Yes. I'll log in to your account now. Do you remember how much you told them through a put aside? Yes. 50 a week. Okay. Let me have a look here for you. And how often do you get paid? Weekly? Okay. Perfect. Let me have a look at the loading. Yes. I can actually see that is going in, and it looks like so you just started it. Correct? Like, just yeah. K. Perfect. Yeah. Because it look yeah. Oh, yeah. Now I can see I can see that the first payment came in on the 07/01/2026. So it's just kind of started coming, and that was $50. So that is going that is going Correct. Now if anything ever were to change in regards to your personal situation or anything, you can change that whenever you want to with work as well. Now the the thing when it comes to salary sacrifice that we want to be mindful of because salary sacrifice is a great way to boost your superannuation, also save a little bit of tax, which is nice. The only thing we wanna be mindful of is because they have contribution cap basis. So, basically, there's a limit on how much they allow you to put in each year. At the moment, that is 32,500, and that includes that from your employer. Now at the moment, you are under that. So you have plenty of space, so that's good. So you're not at risk of needing anything. So if your income is 70,000, they would put in about 8,400, but then that also gets taxed at 15%. It would be a little bit less, but it's depending on your income. So if your income is exactly $7.00, so 70,000, it will be around 7,000 that your employer will put in. If your income is 80,000, that's what I had down before, your employer puts in about 8,160. Do you think your income is closer to that 80,000? Because that's, Yeah? Okay. Because that yeah. That's about 8,000 after tax. Yes. So plenty of space. Sorry. Yeah. The only thing I would say, if for some reason you win the lottery or or anything like that and you go, oh, I wanna put everything in, just let me do the math for you first just to make sure that's all good. Yes. Exactly. Each year. There are there there are different strategies that we can look at for you where it gets a bit complex, but you can use, like, previous year space. So if, for example, you have 50,000, it could be possible, but I would say, just let me know and let me check the numbers for you first. Yeah. Yeah. Perfect. But, no, that is all going in, which is great because I will also see your superannuation growing faster and compounding, which is great. Yeah. Yes. So if you continue to work so let's say you turn 60 next year and you still work. So you can only take money tax free if you retire. But let's say you wanna keep working, but you wanna draw some money from your super, you can do that under something that is called a transition through retirement strategy. What it basically means is that between 60 and 65, you can keep working, but there is a limit on how much you can take out. The maximum you can take out is 10% of your balance per year, minimum 4% Percent per year. Yes. So you could take let's say let me do the calculation for you. So let's say, for example, when you're texting. Correct. So if you have let's say you were 60 today, and you go you keep working and you go, well, I need a little bit of money. You could take you could take out tax free 19,683 based on today's balance, max. 10%. Correct. Yep. Yes. So if if that's a situation so, obviously, next year when we have you on your review, you'll be, obviously, past that point. Or when you do when you do turn 60, if you need anything, just call us. Or if you go off sorry. You can just call us when when you turn 60 if you need any money. Yeah. Yeah. Just be like, hey. Correct. You can't you you can call me, but you can't take money out. So you can still call me, but I can't I can't get any money out. I can just oh, yeah. Yes. Yes. Yes. Correct. That's you can. Yes. Yes. And we Yeah. Yeah. No. Correct. Now that that and and what's that strategy transition? It's designed for people who still wants to work, But let's say you wanna work part time. Let's say you just wanna work a little bit. That's when this come in handy because what some people do, it's like, let's say you need your income for covering bills and expenses. Let's say you need 80,000, but let's say you work part time and that your income is 60,000, but you need extra. So what we can then do is we could draw that 19,000 from super, for example, with your income of, let's say, 60, and that gets you very close to that 80. So there's, like, a lot of different things we can do. And and it is a very good thing that that exists because it can mean that you can you can take it out as a a lump sum or, like, a regular income. So whether you wanna div it up in a in a weekly basis or fortnightly basis or once a month withdrawal or whether you go once you turn 60. Yes. Only if you're working. If you call me when you turn 60 and you go, I have retired. I'm no longer working. You can take everything. You can take the whole lot. Lump sum. Yes. Or income, you can choose. But it correct. But there's no limitation on how much you can take as long as you are not working. So there's a lot we can do here. So when you're trying to fix the mhmm. Correct. You can you can if you're if you're working, you can take up to 10% per year on Correct. So yeah. Yeah. And if anything changes, you know, when you do 10:60, if if you need anything, just let us know because there we can have a look at all of that for you. Yeah. No. That's okay. Now do you have any other questions before I move on to the next document? Yeah. Now if you can press next for me. I think it should say next document. Yes. No. That's okay. You can always go back and have a look at this after. Yep. Yeah. Now you will yep. So you will have two documents, this one, and then the next one should be a similar one. It's just different time. So the first one should be twelve months. The next one is three months. Basically, what it is, it shows you all your investments, how they have performed, and what's the return on your investments over the twelve month period and the three month period. Now the reason we I have done twelve and three is to show you a bit more of those markets, what's happening in the market. So over the last twelve months, you probably have heard on the news and seen there's been quite a bit of turbulence in the market. So, obviously, everything that has happened in The US, obviously, with Trump and tariffs and everything, did see a bit of fluctuation in the market in the stock market. And more recently, with the war as well, has seen a bit of fluctuation. So it's been quite a quite a turbulent twelve months. So when we are looking at a twelve month period, most of your investments have done pretty good, but there was one investment that was underperforming. Now do it was your Benelong Australian Equity. That one was down. Australia. Yes. Now do you remember receiving an email from us? It wasn't anything you had to sign, but do you remember receiving an email on the March 16? That's fine. Yes. That's okay. It wasn't anything it wasn't anything you had to sign, but what that email was and you're welcome to go back and have a look later. What that email was, it was from from the directors and the investment committee because we obviously do investment research all the time on your investment. And we wanna be proactive that if there is an investment that is underperforming and not performing as good as we would like or there is something happening structurally with the investment, we want to be proactive and look at changing that for a better option. Does that make sense? Yeah. Exactly. Correct. So that is what that email was on the March 16 to say that we changed the investment that was underperforming, which was then along. And instead, we swapped it for another Australian investment because we wanna give you diversification, but swapping for one that has performed better. So what we swapped it for, it was another Australian investment. It's very diversified because it invested 200 companies. So super, super diversified. It was cheaper than your old Benelon investment, and it has performed better. So that's what that, yeah, so that's what that email was on the March 16. So before we make we have changed it. Yes. So that happened so from Benelong to BetaShares Australia two hundred. Mhmm. Yes. Okay. So, yes, so can you see where it's the heading where it says Australian equities? Okay. Looking keep looking down a little bit. After income receivable, do you see alternative investments? A little bit further down on the paper. Yes. And you said no. On this one. On the same one. So on this one. Yes. Asset. Yes. Correct. Now on the asset performance detail, underneath it, does it say a time frame? Does it say all assets held? And then does it have a time? Like, it says, like, July 7? Yes? Correct. Yes. Perfect. Now keep looking down. Do you have where it says assets? A little bit further down. Asset, just straight under. So you have different columns, and it's the first column. So all the way to the left, you should have cash. Can you see where it says cash? So when you're in the asset performance detail, is it blank? Yes. Correct. All the paragraphs. So that's where I'm looking. So all the paragraphs. Now yes. So on this document, you can see underneath where it says all assets held 07/07/2025 to 07/06/2026. You know how you saw that? On under that, can you see where it says there's headings saying assets, code, open value, purchases. No. What can you see? Sure. Yes. Okay. Try the next one for me. And what does that say? Yes. And it okay. So with the Vanguard index chart, that one we'll come back to their performance because you should have another one later. But the one that you can now I will explain what it is a little bit simply for you. What it is, when we are looking at you can see all the different lines, all the different yep. Sorry. What that correct. So what that is, it is the different asset classes, how you can be invested. And the period of time, it shows you from 1995 through to 2025. And this is the movement of each investment. So you can see here that things do fluctuate up and down and up and down. But yeah. Now you can go and then after the call, you can go and download these and have a look at it on the computer as well if you would like. It's all there for you. So even if you later go if you have a computer or an iPad or anything, you can go back into your emails and you can mhmm. Mhmm. Yeah. I I do would you want all the documents sent to you in an email after the call? Would that be helpful? Yeah? Okay. Yeah. Of course it is. Yes. I will get yeah. Sorry. Sorry. This one here, even though you can't really see it, it it talks about the different fluctuations, different colors. So when we are talking about how your money is invested, it is making sure that you have enough time in the market and you are comfortable with it. So how you are currently invested in your growth portfolio, it will mean that so the top four lines is your growth investments. So there's, like, a green two green lines, one light green, one dark green, a yellow, and a red. Now these are the ones that you can kind of see, hopefully, that they grow the most. So that has done the most amount of growth since 1995. So that will give you way more money but also fluctuates a little bit. So in your current portfolio, we have about 80% combined in these four top ones. So that is focusing on growing your superannuation. You then have 20% in those three bottom. So the blue, the gray, and the red. And you can hopefully see that they are a little bit more smooth. They grow a little bit nowhere near as much, but they don't fluctuate as much either. Does that kind of make sense? Yes. Yep. So that is how everything is, Yeah. Now that is how everything is kind of invested for you at the moment. And are you happy kind of with the level of fluctuation and risk and everything in your growth portfolio for now? Yep. Perfect. Now when you do get close yeah. Yeah. And so you are kind of kind of in the middle where you are focusing on growing your super, but you're not in, like, your high growth or aggressive. Now when you get closer to retirement, so when you get to about maybe five years or so for when you go, oh, no. Okay. I'm I'm close to wanting to retire. We can then each year, we can look at so so, potentially, next year for you as you then turn 60 And if you are planning on retiring completely around that 65, it gives us roughly that five year mark. Next year, we might look at gradually reducing that risk as closer and closer you get to retirement because then you have less time in the market. Does that make sense? Yes. Perfect. Now if you press next for me, what can you see? Yes. So this one here, you yes. Correct. You don't have to look at it too closely because what it is is your is your life insurance. So it's the one it's the one we talked about earlier. It just shows you that everything is paid and up to date for you. Yep. Now what's the next one? Yes. Next document. Yes. So you probably have seen this one before. It does give you all the important information in regards to us here at Oakview Financial. None none of the important information has changed, but we've had a bit of an up updates to our marketing and also a bit of an extension to the team. So after you have a look at this one and, again, I will get the team to email you all the documents so that you have them to make it easier. You can have a read over it, and everything about our overview is in there. But if you want to put a face to the voice, seeing who you're actually talking with, if you scroll down to page 10, you should see a little photo of myself there. Yeah. Yeah. Yep. Yes. Yep. He's a director. Mhmm. Yep. Yeah. There I am. Sorry. Because we obviously talk over the phone, sometimes it's nice. Exactly. Exactly. Oh, yes. Definitely. You know? And it's like, you know, that's yeah. It's it's a person here and yeah. You can see who you're talking to. Oh, really? I'm not very good at tennis. Oh, really? I wish oh, thank you. I wish I could play tennis, but I can't. Not very good. I'm better at soccer. Now, Francis, if you wanna press next for me, what can you see now? Yeah. Okay. So what this is is your ongoing service agreement. Now this would have been the case every annual review, and it is something that you have to obviously agree to. So what it is, it is to say that you are happy to stay on as a client. Now there is no changes in regards to the fee structure. It stays exactly the same as it has been at 1.65% from super. So we haven't increased the prices or anything. It stays exactly the same. Now with the ongoing service agreement as well, it is not a lock in contract. So if at any point in time, you are not happy with the service or when you turn 60, you go, no. I wanna take all my money and do whatever you want. There's no exactly. There is exactly. There is no locking contract. Now every twelve months, you have to agree to stay on for the next twelve months, but it does not mean you have to you're locked in to twelve months. Because how the fee structure work is that it's just deducted on a monthly basis for you. So it gives you the flexibility, but then also with market movements, it just makes the fees a little bit more fair to you. But by signing this document here because at the end, it should ask for your signature. And no. It's not your life. I promise. It will it just mean by signing it, if you are comfortable with it, only if you're comfortable with it. What it means, it allows us to keep servicing your account, keep managing your investments, and looking after everything for you until you retire. Yes. But like I said, any point in time, you need you when you turn 60 and if you if you need the money, you'd you just let me know. No. Yes. Yeah. Yeah. And and that's the thing. Exactly. Exactly. And that's why we're here to help you through as well because the the closer you get to retirement, there will be more things, and it can get a bit more complex. And then later yes. Exactly. But then, also, the the system becomes a bit more tricky as well. So at 67, that's then when age pension and that is, you know, if you do need help, we can kind of help different strategies with with age pension and assist with, you know, different with time and advice as well. So we kind of do everything. No. That's okay. Now if you are happy to add the signature, there should be then one more. If you are happy to do so. Yep. Yes. Technology. It should be because maybe you've used the assigned before. So sometimes it pre because it's connected to your email address and everything. So it could be if you've pre signed before, sometimes you just need to click on it, and it automatically adds your name, or sometimes you have to draw it every time. Yes. So underneath it, does it say a little signature box, or does it ask you to sign? Mhmm. If you do sign all, it will then it's only two documents. It's this one. And there should be one more, and that is just a compliance form to say we are keeping your tax file number secure and safe on file, and that's it. Try sign all for me. And does it add yep. And what does it say now? Yep. Perfect. And did it add a date as well? Yep. Did it add the date automatically, or does it ask you to type it? Oh, beautiful. Can you click is there a box to say validate or next? Next, if you press next for me. Yep. And what does it say now? Does it ask you to type it? Yeah. Okay. Could could you type it for me? Okay. Yep. Yep. Okay. So that's all correct? Yep. Yep. Okay. Yeah. No. That's fine. And then can you press validate on next now? Yes. Okay. It shouldn't ask you to sign that one. Can you press next? Yes. Yep. So this one here should ask you for another signature, and it is just that compliance form to say we are keeping your tax fund number secure and safe on file. So it should be the same where it's just a little signature box. Yep. Yes, please. Yep. Yep. Yes. Validate. Yes. Perfect. Yes. When when we are. And I will let you get on with your with your day. Now when it says validate, it should load. It should be like a little cogwheel. Yeah. So with it will then automatically send it back to myself, and I can upload and get all of that sorted for you. Now like I said, I will also let my team know to email you a copy of all the documents so that you can go yeah. Okay. Perfect. I'll right. Yeah. I have already got it just now. So that is perfect. Yeah. So that is all good. Well done. Sometimes it's tricky with this technology. Yeah. You did good. Now, Frances, like I said, I will get my team, Whitlam, to email you a copy of all these documents so you have them. If you have any questions in regards to them later, just let me know. Just send me an email or call the office. And like I said as well, when you do 10:60, if you need access to some money, let me know. Or even when just gonna help you. Or if or if you, you know, everything's going well, you keep working and you don't need it and you wanna keep having it invested until 65, then the next under review so next year, when when we speak and go through everything, we can then reassess as well of where everything's at for you. And if we wanna start what's that? Sorry. No. That's okay. The the money? Yes. When you are over 60. Yes. It is. 60 or over, it's tax free. Yes. Yep. So that makes a pretty big difference as well. But if it comes to it, just let me know because then we can do advice and strategies for you on how that would look like and if we need to change anything with your super or or anything like it. And I'll put a little note here as well to say that next year, we might look at start gradually reducing that risk exposure for you unless you are feeling amazing and you go, you know what? I wanna work till I'm 70. Then we can, you know, we can reassess things for you. Yeah. Yes. You you've worked hard and and now now it's time to enjoy retirement. Yeah. Hopefully, depending on on how but hopefully. Yeah. So, yeah, now, Frances, I know you're busy, so I will let you let you go. But do you have any other questions for me at this point otherwise? Yes. Yep. So just text it to you? Yes. Yep. Perfect. I can get I'll get Whitlam again to resend you a text message, and that has a a phone number. And I'll get him to text my personal email as well, if it is needs anything. Yeah. You can email me. Yeah. Exactly. So you can just email email me directly. That is no problem at all. Yep. No problem at all. Well, thank you so much for your time and patience today. Yes. Yeah. Oh, that's good. I'm glad. I know it took a little bit longer. A little bit longer. Yeah. Yeah. Yeah. I think so too. I like it. But, yes, anything you need at any point in time, you you just call me. Okay? No problem at all. No worries. No worries. We'll speak soon, and you enjoy the rest of your afternoon. Alright. No worries. Speak soon. Bye. 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afternoon. This is Veronica from Oktoof Financial. How are you? Hello? Can you hear me?\n\nLet me have a look. At OTU Financial? OTU Debt? Yes. It's Veronica.\n\nI had you booked in for your annual review. Is now still a good time? It probably takes about a half an hour or so. Do you have that time, or would you prefer to reschedule if now is a bit busy for you? Okay.\n\nSure. I'll I'll try to make it quick for you. So I'll try to make it as quick as I can. Veronica. Yeah.\n\nGood. How are you? That's okay. Like I said, I'll tryna make it quick for you. But before I jump into it, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYes. Thank you. And just to confirm I'm speaking with the correct person, just for security, could I get you to confirm full name, date of birth, and address, please? Yep. Yep.\n\nPerfect. Now I will make it quick. So what I'll do first is I'll just quickly run through a fact find with you just to confirm if there is anything major that has changed in your life if we need to make any changes to your advice. So bear with me. You're still what?\n\nSorry. Yeah. That's good. Thanks. Now, Frances, when it comes to your personal information, I have you down here as in that you are in a defacto relationship and you have three financial dependents.\n\nIs that correct? And three kids. Yes. Yes. Yep.\n\nNow I have here next up Kin. So if something were to happen to you, someone that you we can call if we can't get in touch with you as Mohammed. Is that still correct? Yep. Perfect.\n\nHas your occupation changed in the last twelve months? Are you still working as a machine operator? All the same? Yes. Income, I have at about 80,000.\n\nThat's still correct as well? About 70? Okay. Perfect. Yeah.\n\nPerfect. Assets. So I have here you have a car, a motor vehicle, valued at about 21,000. Mhmm. And that you have a property back in The Philippines.\n\nYou still have that one? A property in The Philippines? Yep. And last, it was valued at about 180,000 Australian dollars? Yes.\n\nNo. Your prop the property value. How much? About 180? Yeah.\n\nAnd do you have a a mortgage or a loan or anything attached to that property? Yes. And do you know how much you have owing on it? Roughly. So the 80.\n\nOkay. Perfect. Now did you say you have savings in the bank here in Australia as well? No? No.\n\nThat's okay. How much? Yeah. No. That's still that's still decent.\n\nThat's still something. And anything else? Do you have any other assets, any bikes, or anything else? No. Perfect.\n\nAny other, like, personal loans or credit cards or anything? No. Okay. And when it comes to health and life style, I have you here as a nonsmoker. Is that still the case?\n\nYes. And have you had any changes to your health in the last twelve months at all? Still same? Okay. And when it comes to your beneficiary nominations for your CIFAR, so in the event something happens to you, I do wanna triple check I have the correct information.\n\nI have 50% to Mohammed, 15 to Don, 20 to Erwin, and 15 to Shanice. Is that correct? Yes. Beautiful. Now when it comes to kind of goals, stuff that you are working towards in the next twelve months, during the annual review, it's usually good to kind of get a bit of a check-in to see how everything went or what you are focusing on.\n\nAnd last time we spoke to you, your main priority was to tryna focus on building a little bit of a saving just as an emergency, have as a backup in case anything would happen to you or any family members. Is that still kind of your main focus? Yes. Anything else you are working towards, Frances, or that's your main priority? Yeah.\n\nYeah. Yeah. And yeah. And when do you think you you wanna start retiring? Like, when do you think you would like to retire?\n\nYep. So pension is 67 $60.67, but you can access superannuation if you stop working at 60. So that will be next year. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Yes. Okay.\n\nYeah. Perfect. Now when it comes to superannuations, so how your money's invested. Now to make it quicker for you, I will will kind of won't go through the risk profile questionnaire, but we'll talk about your current investments and how things are invested and see if that still aligns with you. So at the moment, we have you invested in a growth portfolio.\n\nDo you remember what that means or what it is at all? A a growth investor, so when it comes to the level of risk. Not sure? No. That's okay.\n\nMost people say the same, to be honest. But, essentially, I'm yeah. Now when it comes to the risk profile, what's important is making sure that with market fluctuations that you are comfortable. So this is more just like a a a level of risk that you are comfortable with to making sure that you have enough time in the market, but then also that you are comfortable with it. So at the moment, when we typically see a growth investor, it is for people who are looking at growing their superannuation as much as possible while you still have, you know, time while you are working, but also someone who is comfortable seeing a bit of a market fluctuation.\n\nSo a little bit of up and down in the market as a result. Now when it comes to how your money is invested, what I will actually show you first is do you have access to your emails quickly for me? Okay. So what I have done is I have just sent you an email. If you could access that for me.\n\nNow it could go to yes, please. That's me. If you can click on it it should when you open up the email, it should say sign now, I believe. If you if you click on that one, it will allow you to open up and look at everything first before it prompts you to sign anything. Yes.\n\nJust open it up for me first. But if you click on the link, it should take you to a couple of attachments. Yes, please. Yeah. Sorry.\n\nIf you can stay on this one here, does it say superannuation and insurances on it? Summary of superannuation. Yes. So we start with this one, which shows us that at the moment, you have your superannuation in Netwealth, and you have a $196,835 in there at the moment. Yes.\n\nNow July. At the moment. Yes. Now you also have life insurance with Neos. So that is if something were to happen to you, your loved ones will receive $268,387.\n\nYeah. Yeah. Now which is which is still a decent amount because that means, obviously, that you can have a little peace of mind that, you know, if anything ever were to happen, at least your your family will get some support. Yeah. Yeah.\n\nNow your life insurance, you do get 15% discount on it. So it's about $1,835 for that the whole policy. Okay? Do you have any questions in regards to your insurance? Do you wanna change anything?\n\nAre you happy with what you have at the moment? Yes. Yes. Because it's paid from within superannuation. Unless you change it to like, unless you change to a different superannuation fund and you change where the policy is paid from.\n\nYes. There are instances where, let's say, you turn 60 next year and you go, I wanna take all my money out. I've retired. I've stopped working, but you want to keep your life policy, we can check with Neos whether we can change it to a policy Correct. So whether we can change it so it's not owned by Super and it's owned by you directly, but that means you'd have you would have to pay for that yourself instead of Super.\n\nYeah. Does that make sense? Yes. Any questions? Sure.\n\nCorrect. Yes. Do you from work. Yes. So that should all be let me go into your account quickly for you and make sure that's all correct.\n\nDo you yes. Yes. I'll log in to your account now. Do you remember how much you told them through a put aside? Yes.\n\n50 a week. Okay. Let me have a look here for you. And how often do you get paid? Weekly?\n\nOkay. Perfect. Let me have a look at the loading. Yes. I can actually see that is going in, and it looks like so you just started it.\n\nCorrect? Like, just yeah. K. Perfect. Yeah.\n\nBecause it look yeah. Oh, yeah. Now I can see I can see that the first payment came in on the 07/01/2026. So it's just kind of started coming, and that was $50. So that is going that is going Correct.\n\nNow if anything ever were to change in regards to your personal situation or anything, you can change that whenever you want to with work as well. Now the the thing when it comes to salary sacrifice that we want to be mindful of because salary sacrifice is a great way to boost your superannuation, also save a little bit of tax, which is nice. The only thing we wanna be mindful of is because they have contribution cap basis. So, basically, there's a limit on how much they allow you to put in each year. At the moment, that is 32,500, and that includes that from your employer.\n\nNow at the moment, you are under that. So you have plenty of space, so that's good. So you're not at risk of needing anything. So if your income is 70,000, they would put in about 8,400, but then that also gets taxed at 15%. It would be a little bit less, but it's depending on your income.\n\nSo if your income is exactly $7.00, so 70,000, it will be around 7,000 that your employer will put in. If your income is 80,000, that's what I had down before, your employer puts in about 8,160. Do you think your income is closer to that 80,000? Because that's, Yeah? Okay.\n\nBecause that yeah. That's about 8,000 after tax. Yes. So plenty of space. Sorry.\n\nYeah. The only thing I would say, if for some reason you win the lottery or or anything like that and you go, oh, I wanna put everything in, just let me do the math for you first just to make sure that's all good. Yes. Exactly. Each year.\n\nThere are there there are different strategies that we can look at for you where it gets a bit complex, but you can use, like, previous year space. So if, for example, you have 50,000, it could be possible, but I would say, just let me know and let me check the numbers for you first. Yeah. Yeah. Perfect.\n\nBut, no, that is all going in, which is great because I will also see your superannuation growing faster and compounding, which is great. Yeah. Yes. So if you continue to work so let's say you turn 60 next year and you still work. So you can only take money tax free if you retire.\n\nBut let's say you wanna keep working, but you wanna draw some money from your super, you can do that under something that is called a transition through retirement strategy. What it basically means is that between 60 and 65, you can keep working, but there is a limit on how much you can take out. The maximum you can take out is 10% of your balance per year, minimum 4% Percent per year. Yes. So you could take let's say let me do the calculation for you.\n\nSo let's say, for example, when you're texting. Correct. So if you have let's say you were 60 today, and you go you keep working and you go, well, I need a little bit of money. You could take you could take out tax free 19,683 based on today's balance, max. 10%.\n\nCorrect. Yep. Yes. So if if that's a situation so, obviously, next year when we have you on your review, you'll be, obviously, past that point. Or when you do when you do turn 60, if you need anything, just call us.\n\nOr if you go off sorry. You can just call us when when you turn 60 if you need any money. Yeah. Yeah. Just be like, hey.\n\nCorrect. You can't you you can call me, but you can't take money out. So you can still call me, but I can't I can't get any money out. I can just oh, yeah. Yes.\n\nYes. Yes. Correct. That's you can. Yes.\n\nYes. And we Yeah. Yeah. No. Correct.\n\nNow that that and and what's that strategy transition? It's designed for people who still wants to work, But let's say you wanna work part time. Let's say you just wanna work a little bit. That's when this come in handy because what some people do, it's like, let's say you need your income for covering bills and expenses. Let's say you need 80,000, but let's say you work part time and that your income is 60,000, but you need extra.\n\nSo what we can then do is we could draw that 19,000 from super, for example, with your income of, let's say, 60, and that gets you very close to that 80. So there's, like, a lot of different things we can do. And and it is a very good thing that that exists because it can mean that you can you can take it out as a a lump sum or, like, a regular income. So whether you wanna div it up in a in a weekly basis or fortnightly basis or once a month withdrawal or whether you go once you turn 60. Yes.\n\nOnly if you're working. If you call me when you turn 60 and you go, I have retired. I'm no longer working. You can take everything. You can take the whole lot.\n\nLump sum. Yes. Or income, you can choose. But it correct. But there's no limitation on how much you can take as long as you are not working.\n\nSo there's a lot we can do here. So when you're trying to fix the mhmm. Correct. You can you can if you're if you're working, you can take up to 10% per year on Correct. So yeah.\n\nYeah. And if anything changes, you know, when you do 10:60, if if you need anything, just let us know because there we can have a look at all of that for you. Yeah. No. That's okay.\n\nNow do you have any other questions before I move on to the next document? Yeah. Now if you can press next for me. I think it should say next document. Yes.\n\nNo. That's okay. You can always go back and have a look at this after. Yep. Yeah.\n\nNow you will yep. So you will have two documents, this one, and then the next one should be a similar one. It's just different time. So the first one should be twelve months. The next one is three months.\n\nBasically, what it is, it shows you all your investments, how they have performed, and what's the return on your investments over the twelve month period and the three month period. Now the reason we I have done twelve and three is to show you a bit more of those markets, what's happening in the market. So over the last twelve months, you probably have heard on the news and seen there's been quite a bit of turbulence in the market. So, obviously, everything that has happened in The US, obviously, with Trump and tariffs and everything, did see a bit of fluctuation in the market in the stock market. And more recently, with the war as well, has seen a bit of fluctuation.\n\nSo it's been quite a quite a turbulent twelve months. So when we are looking at a twelve month period, most of your investments have done pretty good, but there was one investment that was underperforming. Now do it was your Benelong Australian Equity. That one was down. Australia.\n\nYes. Now do you remember receiving an email from us? It wasn't anything you had to sign, but do you remember receiving an email on the March 16? That's fine. Yes.\n\nThat's okay. It wasn't anything it wasn't anything you had to sign, but what that email was and you're welcome to go back and have a look later. What that email was, it was from from the directors and the investment committee because we obviously do investment research all the time on your investment. And we wanna be proactive that if there is an investment that is underperforming and not performing as good as we would like or there is something happening structurally with the investment, we want to be proactive and look at changing that for a better option. Does that make sense?\n\nYeah. Exactly. Correct. So that is what that email was on the March 16 to say that we changed the investment that was underperforming, which was then along. And instead, we swapped it for another Australian investment because we wanna give you diversification, but swapping for one that has performed better.\n\nSo what we swapped it for, it was another Australian investment. It's very diversified because it invested 200 companies. So super, super diversified. It was cheaper than your old Benelon investment, and it has performed better. So that's what that, yeah, so that's what that email was on the March 16.\n\nSo before we make we have changed it. Yes. So that happened so from Benelong to BetaShares Australia two hundred. Mhmm. Yes.\n\nOkay. So, yes, so can you see where it's the heading where it says Australian equities? Okay. Looking keep looking down a little bit. After income receivable, do you see alternative investments?\n\nA little bit further down on the paper. Yes. And you said no. On this one. On the same one.\n\nSo on this one. Yes. Asset. Yes. Correct.\n\nNow on the asset performance detail, underneath it, does it say a time frame? Does it say all assets held? And then does it have a time? Like, it says, like, July 7? Yes?\n\nCorrect. Yes. Perfect. Now keep looking down. Do you have where it says assets?\n\nA little bit further down. Asset, just straight under. So you have different columns, and it's the first column. So all the way to the left, you should have cash. Can you see where it says cash?\n\nSo when you're in the asset performance detail, is it blank? Yes. Correct. All the paragraphs. So that's where I'm looking.\n\nSo all the paragraphs. Now yes. So on this document, you can see underneath where it says all assets held 07/07/2025 to 07/06/2026. You know how you saw that? On under that, can you see where it says there's headings saying assets, code, open value, purchases.\n\nNo. What can you see? Sure. Yes. Okay.\n\nTry the next one for me. And what does that say? Yes. And it okay. So with the Vanguard index chart, that one we'll come back to their performance because you should have another one later.\n\nBut the one that you can now I will explain what it is a little bit simply for you. What it is, when we are looking at you can see all the different lines, all the different yep. Sorry. What that correct. So what that is, it is the different asset classes, how you can be invested.\n\nAnd the period of time, it shows you from 1995 through to 2025. And this is the movement of each investment. So you can see here that things do fluctuate up and down and up and down. But yeah. Now you can go and then after the call, you can go and download these and have a look at it on the computer as well if you would like.\n\nIt's all there for you. So even if you later go if you have a computer or an iPad or anything, you can go back into your emails and you can mhmm. Mhmm. Yeah. I I do would you want all the documents sent to you in an email after the call?\n\nWould that be helpful? Yeah? Okay. Yeah. Of course it is.\n\nYes. I will get yeah. Sorry. Sorry. This one here, even though you can't really see it, it it talks about the different fluctuations, different colors.\n\nSo when we are talking about how your money is invested, it is making sure that you have enough time in the market and you are comfortable with it. So how you are currently invested in your growth portfolio, it will mean that so the top four lines is your growth investments. So there's, like, a green two green lines, one light green, one dark green, a yellow, and a red. Now these are the ones that you can kind of see, hopefully, that they grow the most. So that has done the most amount of growth since 1995.\n\nSo that will give you way more money but also fluctuates a little bit. So in your current portfolio, we have about 80% combined in these four top ones. So that is focusing on growing your superannuation. You then have 20% in those three bottom. So the blue, the gray, and the red.\n\nAnd you can hopefully see that they are a little bit more smooth. They grow a little bit nowhere near as much, but they don't fluctuate as much either. Does that kind of make sense? Yes. Yep.\n\nSo that is how everything is, Yeah. Now that is how everything is kind of invested for you at the moment. And are you happy kind of with the level of fluctuation and risk and everything in your growth portfolio for now? Yep. Perfect.\n\nNow when you do get close yeah. Yeah. And so you are kind of kind of in the middle where you are focusing on growing your super, but you're not in, like, your high growth or aggressive. Now when you get closer to retirement, so when you get to about maybe five years or so for when you go, oh, no. Okay.\n\nI'm I'm close to wanting to retire. We can then each year, we can look at so so, potentially, next year for you as you then turn 60 And if you are planning on retiring completely around that 65, it gives us roughly that five year mark. Next year, we might look at gradually reducing that risk as closer and closer you get to retirement because then you have less time in the market. Does that make sense? Yes.\n\nPerfect. Now if you press next for me, what can you see? Yes. So this one here, you yes. Correct.\n\nYou don't have to look at it too closely because what it is is your is your life insurance. So it's the one it's the one we talked about earlier. It just shows you that everything is paid and up to date for you. Yep. Now what's the next one?\n\nYes. Next document. Yes. So you probably have seen this one before. It does give you all the important information in regards to us here at Oakview Financial.\n\nNone none of the important information has changed, but we've had a bit of an up updates to our marketing and also a bit of an extension to the team. So after you have a look at this one and, again, I will get the team to email you all the documents so that you have them to make it easier. You can have a read over it, and everything about our overview is in there. But if you want to put a face to the voice, seeing who you're actually talking with, if you scroll down to page 10, you should see a little photo of myself there. Yeah.\n\nYeah. Yep. Yes. Yep. He's a director.\n\nMhmm. Yep. Yeah. There I am. Sorry.\n\nBecause we obviously talk over the phone, sometimes it's nice. Exactly. Exactly. Oh, yes. Definitely.\n\nYou know? And it's like, you know, that's yeah. It's it's a person here and yeah. You can see who you're talking to. Oh, really?\n\nI'm not very good at tennis. Oh, really? I wish oh, thank you. I wish I could play tennis, but I can't. Not very good.\n\nI'm better at soccer. Now, Francis, if you wanna press next for me, what can you see now? Yeah. Okay. So what this is is your ongoing service agreement.\n\nNow this would have been the case every annual review, and it is something that you have to obviously agree to. So what it is, it is to say that you are happy to stay on as a client. Now there is no changes in regards to the fee structure. It stays exactly the same as it has been at 1.65% from super. So we haven't increased the prices or anything.\n\nIt stays exactly the same. Now with the ongoing service agreement as well, it is not a lock in contract. So if at any point in time, you are not happy with the service or when you turn 60, you go, no. I wanna take all my money and do whatever you want. There's no exactly.\n\nThere is exactly. There is no locking contract. Now every twelve months, you have to agree to stay on for the next twelve months, but it does not mean you have to you're locked in to twelve months. Because how the fee structure work is that it's just deducted on a monthly basis for you. So it gives you the flexibility, but then also with market movements, it just makes the fees a little bit more fair to you.\n\nBut by signing this document here because at the end, it should ask for your signature. And no. It's not your life. I promise. It will it just mean by signing it, if you are comfortable with it, only if you're comfortable with it.\n\nWhat it means, it allows us to keep servicing your account, keep managing your investments, and looking after everything for you until you retire. Yes. But like I said, any point in time, you need you when you turn 60 and if you if you need the money, you'd you just let me know. No. Yes.\n\nYeah. Yeah. And and that's the thing. Exactly. Exactly.\n\nAnd that's why we're here to help you through as well because the the closer you get to retirement, there will be more things, and it can get a bit more complex. And then later yes. Exactly. But then, also, the the system becomes a bit more tricky as well. So at 67, that's then when age pension and that is, you know, if you do need help, we can kind of help different strategies with with age pension and assist with, you know, different with time and advice as well.\n\nSo we kind of do everything. No. That's okay. Now if you are happy to add the signature, there should be then one more. If you are happy to do so.\n\nYep. Yes. Technology. It should be because maybe you've used the assigned before. So sometimes it pre because it's connected to your email address and everything.\n\nSo it could be if you've pre signed before, sometimes you just need to click on it, and it automatically adds your name, or sometimes you have to draw it every time. Yes. So underneath it, does it say a little signature box, or does it ask you to sign? Mhmm. If you do sign all, it will then it's only two documents.\n\nIt's this one. And there should be one more, and that is just a compliance form to say we are keeping your tax file number secure and safe on file, and that's it. Try sign all for me. And does it add yep. And what does it say now?\n\nYep. Perfect. And did it add a date as well? Yep. Did it add the date automatically, or does it ask you to type it?\n\nOh, beautiful. Can you click is there a box to say validate or next? Next, if you press next for me. Yep. And what does it say now?\n\nDoes it ask you to type it? Yeah. Okay. Could could you type it for me? Okay.\n\nYep. Yep. Okay. So that's all correct? Yep.\n\nYep. Okay. Yeah. No. That's fine.\n\nAnd then can you press validate on next now? Yes. Okay. It shouldn't ask you to sign that one. Can you press next?\n\nYes. Yep. So this one here should ask you for another signature, and it is just that compliance form to say we are keeping your tax fund number secure and safe on file. So it should be the same where it's just a little signature box. Yep.\n\nYes, please. Yep. Yep. Yes. Validate.\n\nYes. Perfect. Yes. When when we are. And I will let you get on with your with your day.\n\nNow when it says validate, it should load. It should be like a little cogwheel. Yeah. So with it will then automatically send it back to myself, and I can upload and get all of that sorted for you. Now like I said, I will also let my team know to email you a copy of all the documents so that you can go yeah.\n\nOkay. Perfect. I'll right. Yeah. I have already got it just now.\n\nSo that is perfect. Yeah. So that is all good. Well done. Sometimes it's tricky with this technology.\n\nYeah. You did good. Now, Frances, like I said, I will get my team, Whitlam, to email you a copy of all these documents so you have them. If you have any questions in regards to them later, just let me know. Just send me an email or call the office.\n\nAnd like I said as well, when you do 10:60, if you need access to some money, let me know. Or even when just gonna help you. Or if or if you, you know, everything's going well, you keep working and you don't need it and you wanna keep having it invested until 65, then the next under review so next year, when when we speak and go through everything, we can then reassess as well of where everything's at for you. And if we wanna start what's that? Sorry.\n\nNo. That's okay. The the money? Yes. When you are over 60.\n\nYes. It is. 60 or over, it's tax free. Yes. Yep.\n\nSo that makes a pretty big difference as well. But if it comes to it, just let me know because then we can do advice and strategies for you on how that would look like and if we need to change anything with your super or or anything like it. And I'll put a little note here as well to say that next year, we might look at start gradually reducing that risk exposure for you unless you are feeling amazing and you go, you know what? I wanna work till I'm 70. Then we can, you know, we can reassess things for you.\n\nYeah. Yes. You you've worked hard and and now now it's time to enjoy retirement. Yeah. Hopefully, depending on on how but hopefully.\n\nYeah. So, yeah, now, Frances, I know you're busy, so I will let you let you go. But do you have any other questions for me at this point otherwise? Yes. Yep.\n\nSo just text it to you? Yes. Yep. Perfect. I can get I'll get Whitlam again to resend you a text message, and that has a a phone number.\n\nAnd I'll get him to text my personal email as well, if it is needs anything. Yeah. You can email me. Yeah. Exactly.\n\nSo you can just email email me directly. That is no problem at all. Yep. No problem at all. Well, thank you so much for your time and patience today.\n\nYes. Yeah. Oh, that's good. I'm glad. I know it took a little bit longer.\n\nA little bit longer. Yeah. Yeah. Yeah. I think so too.\n\nI like it. But, yes, anything you need at any point in time, you you just call me. Okay? No problem at all. No worries.\n\nNo worries. We'll speak soon, and you enjoy the rest of your afternoon. Alright. No worries. Speak soon.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.36,"end":4.24,"sentiment":"positive","sentiment_score":0.3432776927947998},{"text":"This is Veronica from Oktoof Financial.","start":4.24,"end":6.24,"sentiment":"neutral","sentiment_score":0.2981632128357887},{"text":"How are you?","start":6.24,"end":7.06,"sentiment":"neutral","sentiment_score":0.2132637252410253},{"text":"Hello?","start":8.88,"end":9.28,"sentiment":"neutral","sentiment_score":0.015871230512857437},{"text":"Can you hear me?","start":9.28,"end":10.26,"sentiment":"neutral","sentiment_score":-0.004549076780676842}],"sentiment":"neutral","sentiment_score":0.19456254760734737,"num_words":16,"start":3.36,"end":10.26},{"sentences":[{"text":"Let me have a look.","start":14.255,"end":15.475,"sentiment":"neutral","sentiment_score":-0.14998605623841285},{"text":"At OTU Financial?","start":16.815,"end":18.115,"sentiment":"neutral","sentiment_score":-0.010144622686008612},{"text":"OTU Debt?","start":23.135,"end":24.035,"sentiment":"neutral","sentiment_score":-0.013013923540711405},{"text":"Yes.","start":26.31,"end":26.81,"sentiment":"neutral","sentiment_score":0.1162826120853424},{"text":"It's Veronica.","start":26.869999,"end":28.49,"sentiment":"neutral","sentiment_score":0.1528460904955864}],"sentiment":"neutral","sentiment_score":-0.029570554096538287,"num_words":13,"start":14.255,"end":28.49},{"sentences":[{"text":"I had you booked in for your annual review.","start":28.63,"end":31.43,"sentiment":"neutral","sentiment_score":0.2184069421556261},{"text":"Is now still a good time?","start":31.43,"end":32.809998,"sentiment":"neutral","sentiment_score":0.17226246992746988},{"text":"It probably takes about a half an hour or so.","start":38.405,"end":41.545,"sentiment":"neutral","sentiment_score":-0.008329658955335616},{"text":"Do you have that time, or would you prefer to reschedule if now is a bit busy for you?","start":41.844997,"end":46.905,"sentiment":"neutral","sentiment_score":-0.059028985468964824},{"text":"Okay.","start":72.61,"end":73.11,"sentiment":"neutral","sentiment_score":0.051841408014297485}],"sentiment":"neutral","sentiment_score":0.04102736430035697,"num_words":45,"start":28.63,"end":73.11},{"sentences":[{"text":"Sure.","start":73.649994,"end":73.96999,"sentiment":"neutral","sentiment_score":0.1396731436252594},{"text":"I'll I'll try to make it quick for you.","start":73.96999,"end":75.99,"sentiment":"neutral","sentiment_score":0.1527123749256134},{"text":"So I'll try to make it as quick as I can.","start":76.13,"end":78.869995,"sentiment":"neutral","sentiment_score":0.020935696465047924},{"text":"Veronica.","start":79.57,"end":80.07,"sentiment":"neutral","sentiment_score":0.02725062519311905},{"text":"Yeah.","start":82.369995,"end":82.869995,"sentiment":"neutral","sentiment_score":0.13005438446998596}],"sentiment":"neutral","sentiment_score":0.08268183429280053,"num_words":23,"start":73.649994,"end":82.869995},{"sentences":[{"text":"Good.","start":83.009995,"end":83.329994,"sentiment":"neutral","sentiment_score":0.24059617519378665},{"text":"How are you?","start":83.329994,"end":84.229996,"sentiment":"neutral","sentiment_score":0.15344320237636566},{"text":"That's okay.","start":89.555,"end":90.455,"sentiment":"neutral","sentiment_score":0.08146503567695618},{"text":"Like I said, I'll tryna make it quick for you.","start":91.475006,"end":93.475006,"sentiment":"neutral","sentiment_score":0.0834913719445467},{"text":"But before I jump into it, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":93.475006,"end":101.509995,"sentiment":"neutral","sentiment_score":0.010630180323426396}],"sentiment":"neutral","sentiment_score":0.04618103353150641,"num_words":43,"start":83.009995,"end":101.509995},{"sentences":[{"text":"Yes.","start":103.17,"end":103.67,"sentiment":"neutral","sentiment_score":0.2045826017856598},{"text":"Thank you.","start":103.81,"end":104.63,"sentiment":"positive","sentiment_score":0.3748158663511276},{"text":"And just to confirm I'm speaking with the correct person, just for security, could I get you to confirm full name, date of birth, and address, please?","start":104.689995,"end":113.83,"sentiment":"neutral","sentiment_score":0.08733125141373387},{"text":"Yep.","start":119.925,"end":120.425,"sentiment":"neutral","sentiment_score":0.022422781214118004},{"text":"Yep.","start":125.365,"end":125.865,"sentiment":"neutral","sentiment_score":0.1500380039215088}],"sentiment":"neutral","sentiment_score":0.10889434086857364,"num_words":32,"start":103.17,"end":125.865},{"sentences":[{"text":"Perfect.","start":125.925,"end":126.425,"sentiment":"positive","sentiment_score":0.48299330472946167},{"text":"Now I will make it quick.","start":127.73,"end":129.01,"sentiment":"neutral","sentiment_score":0.2991234213113785},{"text":"So what I'll do first is I'll just quickly run through a fact find with you just to confirm if there is anything major that has changed in your life if we need to make any changes to your advice.","start":129.01,"end":139.75,"sentiment":"neutral","sentiment_score":0.025319219660013915},{"text":"So bear with me.","start":140.37,"end":141.59,"sentiment":"neutral","sentiment_score":-0.06014812272042036},{"text":"You're still what?","start":143.47499,"end":144.19499,"sentiment":"neutral","sentiment_score":-0.06229844689369202}],"sentiment":"neutral","sentiment_score":0.05301879235991725,"num_words":54,"start":125.925,"end":144.19499},{"sentences":[{"text":"Sorry.","start":144.19499,"end":144.69499,"sentiment":"neutral","sentiment_score":-0.06811371445655823},{"text":"Yeah.","start":146.595,"end":146.995,"sentiment":"neutral","sentiment_score":0.16017188131809235},{"text":"That's good.","start":146.995,"end":147.97499,"sentiment":"positive","sentiment_score":0.41805538535118103},{"text":"Thanks.","start":149.955,"end":150.455,"sentiment":"neutral","sentiment_score":0.053545817732810974},{"text":"Now, Frances, when it comes to your personal information, I have you down here as in that you are in a defacto relationship and you have three financial dependents.","start":153.875,"end":165.87001,"sentiment":"neutral","sentiment_score":0.01829251823625688}],"sentiment":"neutral","sentiment_score":0.04447640541612225,"num_words":34,"start":144.19499,"end":165.87001},{"sentences":[{"text":"Is that correct?","start":166.01001,"end":166.91,"sentiment":"neutral","sentiment_score":0.01901334337890148},{"text":"And three kids.","start":171.455,"end":172.515,"sentiment":"neutral","sentiment_score":-0.0022712984743217626},{"text":"Yes.","start":174.815,"end":175.315,"sentiment":"neutral","sentiment_score":0.0379960760474205},{"text":"Yes.","start":178.975,"end":179.475,"sentiment":"neutral","sentiment_score":0.04705817997455597},{"text":"Yep.","start":180.87001,"end":181.37001,"sentiment":"neutral","sentiment_score":0.04979444295167923}],"sentiment":"neutral","sentiment_score":0.02056387040971054,"num_words":9,"start":166.01001,"end":181.37001},{"sentences":[{"text":"Now I have here next up Kin.","start":181.51001,"end":183.51001,"sentiment":"neutral","sentiment_score":0.029664214700460434},{"text":"So if something were to happen to you, someone that you we can call if we can't get in touch with you as Mohammed.","start":183.51001,"end":191.13,"sentiment":"neutral","sentiment_score":0.009459969315988323},{"text":"Is that still correct?","start":191.27,"end":192.41,"sentiment":"neutral","sentiment_score":0.025325217749923468},{"text":"Yep.","start":192.63,"end":193.03,"sentiment":"neutral","sentiment_score":0.0293927900493145},{"text":"Perfect.","start":193.03,"end":193.53,"sentiment":"neutral","sentiment_score":0.23358331620693207}],"sentiment":"neutral","sentiment_score":0.021593668749807653,"num_words":37,"start":181.51001,"end":193.53},{"sentences":[{"text":"Has your occupation changed in the last twelve months?","start":194.315,"end":197.355,"sentiment":"neutral","sentiment_score":0.05255842333038648},{"text":"Are you still working as a machine operator?","start":197.355,"end":199.695,"sentiment":"neutral","sentiment_score":0.031042097602039576},{"text":"All the same?","start":200.075,"end":200.895,"sentiment":"neutral","sentiment_score":0.03586506905655066},{"text":"Yes.","start":201.995,"end":202.495,"sentiment":"neutral","sentiment_score":0.059239473193883896},{"text":"Income, I have at about 80,000.","start":203.275,"end":205.535,"sentiment":"neutral","sentiment_score":0.0619651818027099}],"sentiment":"neutral","sentiment_score":0.04666623562850334,"num_words":27,"start":194.315,"end":205.535},{"sentences":[{"text":"That's still correct as well?","start":205.595,"end":207.215,"sentiment":"neutral","sentiment_score":0.09470864683389664},{"text":"About 70?","start":215.3,"end":216.2,"sentiment":"neutral","sentiment_score":0.01110021397471428},{"text":"Okay.","start":218.1,"end":218.58,"sentiment":"neutral","sentiment_score":0.07839658856391907},{"text":"Perfect.","start":218.58,"end":219.08,"sentiment":"neutral","sentiment_score":0.2270432412624359},{"text":"Yeah.","start":220.63501,"end":221.13501,"sentiment":"neutral","sentiment_score":0.19146467745304108}],"sentiment":"neutral","sentiment_score":0.09926481693983077,"num_words":10,"start":205.595,"end":221.13501},{"sentences":[{"text":"Perfect.","start":221.355,"end":221.855,"sentiment":"neutral","sentiment_score":0.29204261302948},{"text":"Assets.","start":223.435,"end":223.935,"sentiment":"neutral","sentiment_score":0.157382532954216},{"text":"So I have here you have a car, a motor vehicle, valued at about 21,000.","start":224.55501,"end":230.655,"sentiment":"neutral","sentiment_score":0.07308639337619145},{"text":"Mhmm.","start":232.65001,"end":233.15001,"sentiment":"neutral","sentiment_score":0.01866542175412178},{"text":"And that you have a property back in The Philippines.","start":234.09,"end":237.95,"sentiment":"neutral","sentiment_score":0.023017089627683163}],"sentiment":"neutral","sentiment_score":0.06409133445205432,"num_words":28,"start":221.355,"end":237.95},{"sentences":[{"text":"You still have that one?","start":238.97,"end":240.19,"sentiment":"neutral","sentiment_score":0.02892422154545784},{"text":"A property in The Philippines?","start":242.17,"end":243.79001,"sentiment":"neutral","sentiment_score":0.014019105955958367},{"text":"Yep.","start":244.985,"end":245.485,"sentiment":"neutral","sentiment_score":0.02813355252146721},{"text":"And last, it was valued at about 180,000 Australian dollars?","start":245.705,"end":251.16501,"sentiment":"neutral","sentiment_score":0.02530402783304453},{"text":"Yes.","start":254.905,"end":255.405,"sentiment":"neutral","sentiment_score":0.0026250965893268585}],"sentiment":"neutral","sentiment_score":0.022659798406741836,"num_words":22,"start":238.97,"end":255.405},{"sentences":[{"text":"No.","start":257.16,"end":257.66,"sentiment":"neutral","sentiment_score":-0.09023813903331757},{"text":"Your prop the property value.","start":263.48,"end":266.22,"sentiment":"neutral","sentiment_score":-0.010230045579373837},{"text":"How much?","start":270.775,"end":271.51498,"sentiment":"neutral","sentiment_score":-0.0010895526502281427},{"text":"About 180?","start":271.895,"end":273.19498,"sentiment":"neutral","sentiment_score":-0.0029939538799226284},{"text":"Yeah.","start":274.53497,"end":275.03497,"sentiment":"neutral","sentiment_score":0.009647018276154997}],"sentiment":"neutral","sentiment_score":-0.0127189419740303,"num_words":11,"start":257.16,"end":275.03497},{"sentences":[{"text":"And do you have a a mortgage or a loan or anything attached to that property?","start":275.175,"end":279.51498,"sentiment":"neutral","sentiment_score":0.0025357153499498963},{"text":"Yes.","start":282.23,"end":282.73,"sentiment":"neutral","sentiment_score":0.019185032695531845},{"text":"And do you know how much you have owing on it?","start":282.95,"end":285.69,"sentiment":"neutral","sentiment_score":0.0031090574339032173},{"text":"Roughly.","start":287.67,"end":288.17,"sentiment":"neutral","sentiment_score":-0.026952382177114487},{"text":"So the 80.","start":293.125,"end":293.925,"sentiment":"neutral","sentiment_score":0.01847511592010657}],"sentiment":"neutral","sentiment_score":0.0038259086140897125,"num_words":32,"start":275.175,"end":293.925},{"sentences":[{"text":"Okay.","start":293.925,"end":294.32498,"sentiment":"neutral","sentiment_score":0.12171952426433565},{"text":"Perfect.","start":294.32498,"end":294.82498,"sentiment":"neutral","sentiment_score":0.235465869307518},{"text":"Now did you say you have savings in the bank here in Australia as well?","start":295.60498,"end":299.305,"sentiment":"neutral","sentiment_score":0.050216053426265714},{"text":"No?","start":302.085,"end":302.585,"sentiment":"neutral","sentiment_score":-0.134945809841156},{"text":"No.","start":302.805,"end":303.205,"sentiment":"neutral","sentiment_score":-0.16249331831932068}],"sentiment":"neutral","sentiment_score":0.04278879298975593,"num_words":19,"start":293.925,"end":303.205},{"sentences":[{"text":"That's okay.","start":303.205,"end":304.025,"sentiment":"neutral","sentiment_score":-0.060220468789339066},{"text":"How much?","start":304.56497,"end":305.38498,"sentiment":"neutral","sentiment_score":-0.005556843709200621},{"text":"Yeah.","start":307.31,"end":307.63,"sentiment":"neutral","sentiment_score":0.04439161717891693},{"text":"No.","start":307.63,"end":307.87,"sentiment":"neutral","sentiment_score":-0.03848664462566376},{"text":"That's still that's still decent.","start":307.87,"end":309.31,"sentiment":"neutral","sentiment_score":0.19093504250049592}],"sentiment":"neutral","sentiment_score":0.07536596000533212,"num_words":11,"start":303.205,"end":309.31},{"sentences":[{"text":"That's still something.","start":309.31,"end":310.29,"sentiment":"neutral","sentiment_score":0.11221747100353241},{"text":"And anything else?","start":311.15,"end":313.07,"sentiment":"neutral","sentiment_score":0.017145664431154728},{"text":"Do you have any other assets, any bikes, or anything else?","start":313.07,"end":318.13,"sentiment":"neutral","sentiment_score":0.014645070514895699},{"text":"No.","start":320.115,"end":320.51498,"sentiment":"neutral","sentiment_score":-0.003175303339958191},{"text":"Perfect.","start":320.51498,"end":321.01498,"sentiment":"neutral","sentiment_score":0.3274375796318054}],"sentiment":"neutral","sentiment_score":0.045970918855776914,"num_words":19,"start":309.31,"end":321.01498},{"sentences":[{"text":"Any other, like, personal loans or credit cards or anything?","start":322.435,"end":326.775,"sentiment":"neutral","sentiment_score":0.11453122571110726},{"text":"No.","start":328.51498,"end":329.01498,"sentiment":"neutral","sentiment_score":-0.02501758560538292},{"text":"Okay.","start":329.075,"end":329.575,"sentiment":"neutral","sentiment_score":0.045160382986068726},{"text":"And when it comes to health and life style, I have you here as a nonsmoker.","start":330.115,"end":334.55,"sentiment":"neutral","sentiment_score":0.08321537869051099},{"text":"Is that still the case?","start":335.16998,"end":336.47,"sentiment":"neutral","sentiment_score":0.06374050900340081}],"sentiment":"neutral","sentiment_score":0.08532132298657388,"num_words":33,"start":322.435,"end":336.47},{"sentences":[{"text":"Yes.","start":337.49,"end":337.97,"sentiment":"neutral","sentiment_score":0.07741700112819672},{"text":"And have you had any changes to your health in the last twelve months at all?","start":337.97,"end":342.31,"sentiment":"neutral","sentiment_score":0.04950052360072732},{"text":"Still same?","start":344.86502,"end":345.505,"sentiment":"neutral","sentiment_score":0.03835347481071949},{"text":"Okay.","start":345.505,"end":346.005,"sentiment":"neutral","sentiment_score":0.07604643702507019},{"text":"And when it comes to your beneficiary nominations for your CIFAR, so in the event something happens to you, I do wanna triple check I have the correct information.","start":346.625,"end":357.52502,"sentiment":"neutral","sentiment_score":0.14229894378061952}],"sentiment":"neutral","sentiment_score":0.10507853336784305,"num_words":49,"start":337.49,"end":357.52502},{"sentences":[{"text":"I have 50% to Mohammed, 15 to Don, 20 to Erwin, and 15 to Shanice.","start":357.825,"end":366.28998,"sentiment":"neutral","sentiment_score":0.08662328273057937},{"text":"Is that correct?","start":366.43,"end":367.33,"sentiment":"neutral","sentiment_score":0.11700204014778137},{"text":"Yes.","start":368.43,"end":368.93,"sentiment":"neutral","sentiment_score":0.30057293176651},{"text":"Beautiful.","start":368.99,"end":369.49,"sentiment":"positive","sentiment_score":0.6853439807891846},{"text":"Now when it comes to kind of goals, stuff that you are working towards in the next twelve months, during the annual review, it's usually good to kind of get a bit of a check-in to see how everything went or what you are focusing on.","start":370.66998,"end":384.435,"sentiment":"positive","sentiment_score":0.3568115976193677}],"sentiment":"neutral","sentiment_score":0.288630390370434,"num_words":66,"start":357.825,"end":384.435},{"sentences":[{"text":"And last time we spoke to you, your main priority was to tryna focus on building a little bit of a saving just as an emergency, have as a backup in case anything would happen to you or any family members.","start":384.735,"end":399.90002,"sentiment":"neutral","sentiment_score":0.2079082314924496},{"text":"Is that still kind of your main focus?","start":399.90002,"end":401.92,"sentiment":"neutral","sentiment_score":0.11924436874687672},{"text":"Yes.","start":403.425,"end":403.905,"sentiment":"neutral","sentiment_score":0.11006786674261092},{"text":"Anything else you are working towards, Frances, or that's your main priority?","start":403.905,"end":408.32498,"sentiment":"neutral","sentiment_score":0.1166637372225523},{"text":"Yeah.","start":413.345,"end":413.745,"sentiment":"neutral","sentiment_score":-0.0770292729139328}],"sentiment":"neutral","sentiment_score":0.17319358542325006,"num_words":63,"start":384.735,"end":413.745},{"sentences":[{"text":"Yeah.","start":413.745,"end":414.245,"sentiment":"neutral","sentiment_score":-0.15107153356075287},{"text":"Yeah.","start":416.85,"end":417.17,"sentiment":"neutral","sentiment_score":-0.11156927794218063},{"text":"And yeah.","start":417.17,"end":419.91,"sentiment":"neutral","sentiment_score":-0.017314433120191097},{"text":"And when do you think you you wanna start retiring?","start":419.97,"end":423.83002,"sentiment":"neutral","sentiment_score":0.006981218606233597},{"text":"Like, when do you think you would like to retire?","start":423.89,"end":426.07,"sentiment":"neutral","sentiment_score":0.016590626165270805}],"sentiment":"neutral","sentiment_score":-0.0025646345845113197,"num_words":24,"start":413.745,"end":426.07},{"sentences":[{"text":"Yep.","start":430.945,"end":431.445,"sentiment":"neutral","sentiment_score":-0.006745327264070511},{"text":"So pension is 67 $60.67, but you can access superannuation if you stop working at 60.","start":435.105,"end":450.28,"sentiment":"neutral","sentiment_score":0.021489450766239315},{"text":"So that will be next year.","start":450.74,"end":452.36,"sentiment":"neutral","sentiment_score":0.03290228017916282},{"text":"Yeah.","start":454.385,"end":454.885,"sentiment":"neutral","sentiment_score":0.017868617549538612},{"text":"Yeah.","start":458.625,"end":459.125,"sentiment":"neutral","sentiment_score":-0.0030637308955192566}],"sentiment":"neutral","sentiment_score":0.021972178108990194,"num_words":25,"start":430.945,"end":459.125},{"sentences":[{"text":"Okay.","start":460.865,"end":461.365,"sentiment":"neutral","sentiment_score":0.05623984336853027},{"text":"Yeah.","start":461.905,"end":462.405,"sentiment":"neutral","sentiment_score":0.07203339040279388},{"text":"Yeah.","start":467.52002,"end":467.68002,"sentiment":"neutral","sentiment_score":0.05709695816040039},{"text":"Yes.","start":467.68002,"end":468.18002,"sentiment":"neutral","sentiment_score":0.028241798281669617},{"text":"Okay.","start":468.96002,"end":469.46002,"sentiment":"neutral","sentiment_score":0.1873733401298523}],"sentiment":"neutral","sentiment_score":0.08019706606864929,"num_words":5,"start":460.865,"end":469.46002},{"sentences":[{"text":"Yeah.","start":471.52002,"end":472.02002,"sentiment":"positive","sentiment_score":0.6207786798477173},{"text":"Perfect.","start":472.48,"end":472.98,"sentiment":"positive","sentiment_score":0.7261708974838257},{"text":"Now when it comes to superannuations, so how your money's invested.","start":473.68002,"end":477.62003,"sentiment":"positive","sentiment_score":0.33969505537639966},{"text":"Now to make it quicker for you, I will will kind of won't go through the risk profile questionnaire, but we'll talk about your current investments and how things are invested and see if that still aligns with you.","start":478.39502,"end":491.135,"sentiment":"neutral","sentiment_score":0.2831820541849503},{"text":"So at the moment, we have you invested in a growth portfolio.","start":491.515,"end":496.93,"sentiment":"neutral","sentiment_score":0.0831577479839325}],"sentiment":"neutral","sentiment_score":0.2675873168045655,"num_words":64,"start":471.52002,"end":496.93},{"sentences":[{"text":"Do you remember what that means or what it is at all?","start":497.95,"end":501.97,"sentiment":"neutral","sentiment_score":0.04552231542766094},{"text":"A a growth investor, so when it comes to the level of risk.","start":505.405,"end":508.785,"sentiment":"neutral","sentiment_score":-0.0013854171221072858},{"text":"Not sure?","start":513.805,"end":514.445,"sentiment":"neutral","sentiment_score":-0.08286343142390251},{"text":"No.","start":514.445,"end":514.765,"sentiment":"neutral","sentiment_score":-0.11787983030080797},{"text":"That's okay.","start":514.765,"end":515.405,"sentiment":"neutral","sentiment_score":-0.0326590184122324}],"sentiment":"neutral","sentiment_score":0.0059777544190486274,"num_words":30,"start":497.95,"end":515.405},{"sentences":[{"text":"Most people say the same, to be honest.","start":515.405,"end":517.265,"sentiment":"neutral","sentiment_score":-0.008596963249146938},{"text":"But, essentially, I'm yeah.","start":518.45,"end":523.11,"sentiment":"neutral","sentiment_score":-0.037920561619102955},{"text":"Now when it comes to the risk profile, what's important is making sure that with market fluctuations that you are comfortable.","start":523.33,"end":531.67,"sentiment":"neutral","sentiment_score":0.031857902982405255},{"text":"So this is more just like a a a level of risk that you are comfortable with to making sure that you have enough time in the market, but then also that you are comfortable with it.","start":532.375,"end":544.875,"sentiment":"neutral","sentiment_score":0.04836171331840593},{"text":"So at the moment, when we typically see a growth investor, it is for people who are looking at growing their superannuation as much as possible while you still have, you know, time while you are working, but also someone who is comfortable seeing a bit of a market fluctuation.","start":545.01495,"end":567.435,"sentiment":"neutral","sentiment_score":0.09062261451035739}],"sentiment":"neutral","sentiment_score":0.05640893440383176,"num_words":120,"start":515.405,"end":567.435},{"sentences":[{"text":"So a little bit of up and down in the market as a result.","start":567.815,"end":573.115,"sentiment":"neutral","sentiment_score":0.0026255428258861813},{"text":"Now when it comes to how your money is invested, what I will actually show you first is do you have access to your emails quickly for me?","start":573.735,"end":584.71,"sentiment":"neutral","sentiment_score":0.10744688313986574},{"text":"Okay.","start":586.29004,"end":586.69,"sentiment":"neutral","sentiment_score":0.09289905428886414},{"text":"So what I have done is I have just sent you an email.","start":586.69,"end":589.67004,"sentiment":"neutral","sentiment_score":0.10473568680194709},{"text":"If you could access that for me.","start":590.92505,"end":592.685,"sentiment":"neutral","sentiment_score":0.0929919428059033}],"sentiment":"neutral","sentiment_score":0.08175677634657376,"num_words":63,"start":567.815,"end":592.685},{"sentences":[{"text":"Now it could go to yes, please.","start":592.685,"end":596.125,"sentiment":"neutral","sentiment_score":0.1050553417631558},{"text":"That's me.","start":596.125,"end":596.945,"sentiment":"neutral","sentiment_score":0.13350731134414673},{"text":"If you can click on it it should when you open up the email, it should say sign now, I believe.","start":597.965,"end":605.76,"sentiment":"neutral","sentiment_score":0.12604251787776038},{"text":"If you if you click on that one, it will allow you to open up and look at everything first before it prompts you to sign anything.","start":606.62,"end":616.0,"sentiment":"neutral","sentiment_score":0.10931412627299626},{"text":"Yes.","start":616.06,"end":616.56,"sentiment":"neutral","sentiment_score":0.07000193744897842}],"sentiment":"neutral","sentiment_score":0.11501341788419361,"num_words":58,"start":592.685,"end":616.56},{"sentences":[{"text":"Just open it up for me first.","start":619.115,"end":620.715,"sentiment":"neutral","sentiment_score":0.10791363726769175},{"text":"But if you click on the link, it should take you to a couple of attachments.","start":620.715,"end":624.255,"sentiment":"neutral","sentiment_score":0.025433475035242736},{"text":"Yes, please.","start":628.715,"end":629.535,"sentiment":"neutral","sentiment_score":0.04713457636535168},{"text":"Yeah.","start":644.805,"end":645.305,"sentiment":"neutral","sentiment_score":0.018093355000019073},{"text":"Sorry.","start":646.245,"end":646.745,"sentiment":"neutral","sentiment_score":-0.06490937620401382}],"sentiment":"neutral","sentiment_score":0.044806821961645725,"num_words":27,"start":619.115,"end":646.745},{"sentences":[{"text":"If you can stay on this one here, does it say superannuation and insurances on it?","start":647.045,"end":652.265,"sentiment":"neutral","sentiment_score":-0.03089827118674293},{"text":"Summary of superannuation.","start":652.64496,"end":653.945,"sentiment":"neutral","sentiment_score":0.008670848794281483},{"text":"Yes.","start":654.165,"end":654.665,"sentiment":"neutral","sentiment_score":0.04963885620236397},{"text":"So we start with this one, which shows us that at the moment, you have your superannuation in Netwealth, and you have a $196,835 in there at the moment.","start":654.805,"end":672.715,"sentiment":"neutral","sentiment_score":0.020399643092191423},{"text":"Yes.","start":672.715,"end":673.215,"sentiment":"neutral","sentiment_score":0.016662655398249626}],"sentiment":"neutral","sentiment_score":0.003790627373382449,"num_words":50,"start":647.045,"end":673.215},{"sentences":[{"text":"Now July.","start":675.67505,"end":680.09503,"sentiment":"neutral","sentiment_score":0.003922559786587953},{"text":"At the moment.","start":683.45,"end":684.32996,"sentiment":"neutral","sentiment_score":0.005993049281338851},{"text":"Yes.","start":684.32996,"end":684.82996,"sentiment":"neutral","sentiment_score":0.03648731857538223},{"text":"Now you also have life insurance with Neos.","start":686.41,"end":690.67,"sentiment":"neutral","sentiment_score":0.06932712672278285},{"text":"So that is if something were to happen to you, your loved ones will receive $268,387.","start":691.45,"end":703.77496,"sentiment":"neutral","sentiment_score":-0.024094830616377294}],"sentiment":"neutral","sentiment_score":0.007713710330426693,"num_words":30,"start":675.67505,"end":703.77496},{"sentences":[{"text":"Yeah.","start":708.08997,"end":708.58997,"sentiment":"neutral","sentiment_score":-0.06507514417171478},{"text":"Yeah.","start":708.97,"end":709.47,"sentiment":"neutral","sentiment_score":0.015016093850135803},{"text":"Now which is which is still a decent amount because that means, obviously, that you can have a little peace of mind that, you know, if anything ever were to happen, at least your your family will get some support.","start":711.29,"end":726.70496,"sentiment":"positive","sentiment_score":0.4092480346560478},{"text":"Yeah.","start":728.52496,"end":729.02496,"sentiment":"neutral","sentiment_score":0.23649147152900696},{"text":"Yeah.","start":729.88495,"end":730.38495,"sentiment":"neutral","sentiment_score":0.27202844619750977}],"sentiment":"positive","sentiment_score":0.3824632330374284,"num_words":44,"start":708.08997,"end":730.38495},{"sentences":[{"text":"Now your life insurance, you do get 15% discount on it.","start":730.52496,"end":737.60004,"sentiment":"positive","sentiment_score":0.34915435314178467},{"text":"So it's about $1,835 for that the whole policy.","start":738.06,"end":743.98004,"sentiment":"neutral","sentiment_score":0.2545654426018397},{"text":"Okay?","start":743.98004,"end":744.48004,"sentiment":"neutral","sentiment_score":0.13999545574188232},{"text":"Do you have any questions in regards to your insurance?","start":746.54004,"end":749.52,"sentiment":"neutral","sentiment_score":-0.0060759767889976505},{"text":"Do you wanna change anything?","start":749.895,"end":751.35504,"sentiment":"neutral","sentiment_score":-0.0676726832985878}],"sentiment":"neutral","sentiment_score":0.16312942053708765,"num_words":36,"start":730.52496,"end":751.35504},{"sentences":[{"text":"Are you happy with what you have at the moment?","start":751.495,"end":754.555,"sentiment":"neutral","sentiment_score":-0.026611433178186417},{"text":"Yes.","start":772.31,"end":772.81,"sentiment":"neutral","sentiment_score":-0.18213719129562375},{"text":"Yes.","start":777.125,"end":777.625,"sentiment":"neutral","sentiment_score":-0.14403416216373444},{"text":"Because it's paid from within superannuation.","start":777.685,"end":780.02496,"sentiment":"neutral","sentiment_score":-0.13642817363142967},{"text":"Unless you change it to like, unless you change to a different superannuation fund and you change where the policy is paid from.","start":780.725,"end":791.81,"sentiment":"neutral","sentiment_score":-0.15324061007603354}],"sentiment":"neutral","sentiment_score":-0.12037533557996517,"num_words":41,"start":751.495,"end":791.81},{"sentences":[{"text":"Yes.","start":793.71,"end":794.21,"sentiment":"neutral","sentiment_score":-0.061084646731615067},{"text":"There are instances where, let's say, you turn 60 next year and you go, I wanna take all my money out.","start":794.91003,"end":803.15,"sentiment":"neutral","sentiment_score":-0.1356208398938179},{"text":"I've retired.","start":803.15,"end":803.87,"sentiment":"neutral","sentiment_score":-0.047053370624780655},{"text":"I've stopped working, but you want to keep your life policy, we can check with Neos whether we can change it to a policy Correct.","start":803.87,"end":820.36005,"sentiment":"neutral","sentiment_score":-0.014246339052915573},{"text":"So whether we can change it so it's not owned by Super and it's owned by you directly, but that means you'd have you would have to pay for that yourself instead of Super.","start":820.36005,"end":831.42004,"sentiment":"neutral","sentiment_score":-0.007615122944116592}],"sentiment":"neutral","sentiment_score":-0.043593996170773565,"num_words":83,"start":793.71,"end":831.42004},{"sentences":[{"text":"Yeah.","start":833.16504,"end":833.66504,"sentiment":"neutral","sentiment_score":0.06542596220970154},{"text":"Does that make sense?","start":834.125,"end":835.265,"sentiment":"neutral","sentiment_score":0.0780937448143959},{"text":"Yes.","start":836.765,"end":837.265,"sentiment":"neutral","sentiment_score":0.10271038115024568},{"text":"Any questions?","start":839.005,"end":839.905,"sentiment":"neutral","sentiment_score":0.039077477529644966},{"text":"Sure.","start":843.48505,"end":843.98505,"sentiment":"neutral","sentiment_score":0.0936480164527893}],"sentiment":"neutral","sentiment_score":0.07247936601440112,"num_words":9,"start":833.16504,"end":843.98505},{"sentences":[{"text":"Correct.","start":857.725,"end":857.885,"sentiment":"neutral","sentiment_score":0.05027996748685837},{"text":"Yes.","start":857.885,"end":858.385,"sentiment":"neutral","sentiment_score":0.05807334929704666},{"text":"Do you from work.","start":858.765,"end":863.725,"sentiment":"neutral","sentiment_score":-0.0022651366889476776},{"text":"Yes.","start":863.725,"end":864.125,"sentiment":"neutral","sentiment_score":0.17655175924301147},{"text":"So that should all be let me go into your account quickly for you and make sure that's all correct.","start":864.125,"end":871.32,"sentiment":"neutral","sentiment_score":0.3185262426733971}],"sentiment":"neutral","sentiment_score":0.2461618289903358,"num_words":27,"start":857.725,"end":871.32},{"sentences":[{"text":"Do you yes.","start":871.77997,"end":874.04,"sentiment":"neutral","sentiment_score":0.08563033615549405},{"text":"Yes.","start":874.98,"end":875.38,"sentiment":"neutral","sentiment_score":0.14784812927246094},{"text":"I'll log in to your account now.","start":875.38,"end":877.06,"sentiment":"neutral","sentiment_score":0.14003866485186986},{"text":"Do you remember how much you told them through a put aside?","start":877.06,"end":880.68,"sentiment":"neutral","sentiment_score":0.05677558947354555},{"text":"Yes.","start":882.77496,"end":883.27496,"sentiment":"neutral","sentiment_score":0.04982559382915497}],"sentiment":"neutral","sentiment_score":0.0881726024672389,"num_words":24,"start":871.77997,"end":883.27496},{"sentences":[{"text":"50 a week.","start":883.495,"end":884.455,"sentiment":"neutral","sentiment_score":0.04514237120747566},{"text":"Okay.","start":884.455,"end":884.77496,"sentiment":"neutral","sentiment_score":0.06821420788764954},{"text":"Let me have a look here for you.","start":884.77496,"end":886.555,"sentiment":"neutral","sentiment_score":0.0690267332829535},{"text":"And how often do you get paid?","start":893.67,"end":895.93,"sentiment":"neutral","sentiment_score":0.025623730516859462},{"text":"Weekly?","start":897.99,"end":898.49,"sentiment":"neutral","sentiment_score":0.033744364976882935}],"sentiment":"neutral","sentiment_score":0.04844828331843019,"num_words":20,"start":883.495,"end":898.49},{"sentences":[{"text":"Okay.","start":898.71,"end":899.11,"sentiment":"neutral","sentiment_score":0.17861473560333252},{"text":"Perfect.","start":899.11,"end":899.61,"sentiment":"positive","sentiment_score":0.38293635845184326},{"text":"Let me have a look at the loading.","start":902.63,"end":904.89,"sentiment":"neutral","sentiment_score":0.18480252474546432},{"text":"Yes.","start":907.425,"end":907.925,"sentiment":"neutral","sentiment_score":0.16945385932922363},{"text":"I can actually see that is going in, and it looks like so you just started it.","start":908.545,"end":918.865,"sentiment":"neutral","sentiment_score":0.1759554156485726}],"sentiment":"neutral","sentiment_score":0.18573811490620887,"num_words":28,"start":898.71,"end":918.865},{"sentences":[{"text":"Correct?","start":918.865,"end":919.265,"sentiment":"neutral","sentiment_score":0.11291764676570892},{"text":"Like, just yeah.","start":919.265,"end":920.305,"sentiment":"neutral","sentiment_score":0.09148894498745601},{"text":"K.","start":920.305,"end":920.545,"sentiment":"neutral","sentiment_score":0.11967626214027403},{"text":"Perfect.","start":920.545,"end":920.945,"sentiment":"positive","sentiment_score":0.3384343385696411},{"text":"Yeah.","start":920.945,"end":921.445,"sentiment":"neutral","sentiment_score":0.1942349225282669}],"sentiment":"neutral","sentiment_score":0.1485328578523227,"num_words":7,"start":918.865,"end":921.445},{"sentences":[{"text":"Because it look yeah.","start":921.56,"end":926.62,"sentiment":"neutral","sentiment_score":0.17198589071631432},{"text":"Oh, yeah.","start":926.92,"end":927.66,"sentiment":"neutral","sentiment_score":0.15183983743190765},{"text":"Now I can see I can see that the first payment came in on the 07/01/2026.","start":928.44,"end":938.23505,"sentiment":"neutral","sentiment_score":0.1725476123392582},{"text":"So it's just kind of started coming, and that was $50.","start":938.23505,"end":941.775,"sentiment":"neutral","sentiment_score":0.14764809743924576},{"text":"So that is going that is going Correct.","start":942.155,"end":947.135,"sentiment":"neutral","sentiment_score":0.24530119076371193}],"sentiment":"neutral","sentiment_score":0.17899813739264883,"num_words":41,"start":921.56,"end":947.135},{"sentences":[{"text":"Now if anything ever were to change in regards to your personal situation or anything, you can change that whenever you want to with work as well.","start":947.275,"end":956.98,"sentiment":"neutral","sentiment_score":0.12752683967334666},{"text":"Now the the thing when it comes to salary sacrifice that we want to be mindful of because salary sacrifice is a great way to boost your superannuation, also save a little bit of tax, which is nice.","start":958.95996,"end":971.545,"sentiment":"positive","sentiment_score":0.44091334076304184},{"text":"The only thing we wanna be mindful of is because they have contribution cap basis.","start":972.565,"end":978.185,"sentiment":"neutral","sentiment_score":0.12365946819384893},{"text":"So, basically, there's a limit on how much they allow you to put in each year.","start":978.73004,"end":983.39,"sentiment":"neutral","sentiment_score":0.03146297496277839},{"text":"At the moment, that is 32,500, and that includes that from your employer.","start":984.33,"end":992.99,"sentiment":"neutral","sentiment_score":0.036672962542909845}],"sentiment":"neutral","sentiment_score":0.2113117408765685,"num_words":109,"start":947.275,"end":992.99},{"sentences":[{"text":"Now at the moment, you are under that.","start":993.885,"end":996.36505,"sentiment":"neutral","sentiment_score":0.14481783472001553},{"text":"So you have plenty of space, so that's good.","start":996.36505,"end":999.005,"sentiment":"positive","sentiment_score":0.44635845886336434},{"text":"So you're not at risk of needing anything.","start":999.005,"end":1001.42505,"sentiment":"neutral","sentiment_score":-0.04171635443344712},{"text":"So if your income is 70,000, they would put in about 8,400, but then that also gets taxed at 15%.","start":1007.98,"end":1018.24,"sentiment":"neutral","sentiment_score":-0.07324528004974126},{"text":"It would be a little bit less, but it's depending on your income.","start":1032.04,"end":1035.0,"sentiment":"neutral","sentiment_score":0.003753322857217147}],"sentiment":"neutral","sentiment_score":0.059067682210548686,"num_words":58,"start":993.885,"end":1035.0},{"sentences":[{"text":"So if your income is exactly $7.00, so 70,000, it will be around 7,000 that your employer will put in.","start":1035.0,"end":1044.06,"sentiment":"neutral","sentiment_score":0.023694106563925742},{"text":"If your income is 80,000, that's what I had down before, your employer puts in about 8,160.","start":1044.405,"end":1054.025,"sentiment":"neutral","sentiment_score":0.007859804900363088},{"text":"Do you think your income is closer to that 80,000?","start":1055.685,"end":1058.485,"sentiment":"neutral","sentiment_score":0.011184414988383651},{"text":"Because that's, Yeah?","start":1058.485,"end":1059.92,"sentiment":"neutral","sentiment_score":0.01041467860341072},{"text":"Okay.","start":1060.7001,"end":1061.2001,"sentiment":"neutral","sentiment_score":0.01277231890708208}],"sentiment":"neutral","sentiment_score":0.014967829787957609,"num_words":51,"start":1035.0,"end":1061.2001},{"sentences":[{"text":"Because that yeah.","start":1061.9801,"end":1063.02,"sentiment":"neutral","sentiment_score":0.013997770535449186},{"text":"That's about 8,000 after tax.","start":1063.02,"end":1066.9601,"sentiment":"neutral","sentiment_score":-0.02220049723982811},{"text":"Yes.","start":1068.06,"end":1068.56,"sentiment":"neutral","sentiment_score":0.060614388436079025},{"text":"So plenty of space.","start":1069.26,"end":1071.04,"sentiment":"neutral","sentiment_score":0.06885153893381357},{"text":"Sorry.","start":1072.7001,"end":1073.2001,"sentiment":"neutral","sentiment_score":-0.0917629525065422}],"sentiment":"neutral","sentiment_score":0.012517744076571293,"num_words":14,"start":1061.9801,"end":1073.2001},{"sentences":[{"text":"Yeah.","start":1075.385,"end":1075.885,"sentiment":"neutral","sentiment_score":0.039572253823280334},{"text":"The only thing I would say, if for some reason you win the lottery or or anything like that and you go, oh, I wanna put everything in, just let me do the math for you first just to make sure that's all good.","start":1075.945,"end":1089.085,"sentiment":"neutral","sentiment_score":0.09401451618495313},{"text":"Yes.","start":1090.51,"end":1091.01,"sentiment":"neutral","sentiment_score":0.013146299868822098},{"text":"Exactly.","start":1094.51,"end":1095.01,"sentiment":"neutral","sentiment_score":0.0058191679418087006},{"text":"Each year.","start":1095.47,"end":1096.4501,"sentiment":"neutral","sentiment_score":-0.0015595341101288795}],"sentiment":"neutral","sentiment_score":0.08555219113370593,"num_words":49,"start":1075.385,"end":1096.4501},{"sentences":[{"text":"There are there there are different strategies that we can look at for you where it gets a bit complex, but you can use, like, previous year space.","start":1096.99,"end":1107.675,"sentiment":"neutral","sentiment_score":0.012663739334259714},{"text":"So if, for example, you have 50,000, it could be possible, but I would say, just let me know and let me check the numbers for you first.","start":1107.675,"end":1117.535,"sentiment":"neutral","sentiment_score":0.03162978762494666},{"text":"Yeah.","start":1118.3201,"end":1118.64,"sentiment":"neutral","sentiment_score":0.2250497341156006},{"text":"Yeah.","start":1118.64,"end":1119.04,"sentiment":"positive","sentiment_score":0.435901552438736},{"text":"Perfect.","start":1119.04,"end":1119.54,"sentiment":"positive","sentiment_score":0.6825788617134094}],"sentiment":"neutral","sentiment_score":0.043792354290263125,"num_words":59,"start":1096.99,"end":1119.54},{"sentences":[{"text":"But, no, that is all going in, which is great because I will also see your superannuation growing faster and compounding, which is great.","start":1120.16,"end":1128.1001,"sentiment":"positive","sentiment_score":0.6510994496444861},{"text":"Yeah.","start":1133.375,"end":1133.875,"sentiment":"neutral","sentiment_score":0.00003833975642919541},{"text":"Yes.","start":1144.4299,"end":1144.9299,"sentiment":"neutral","sentiment_score":0.03687314689159393},{"text":"So if you continue to work so let's say you turn 60 next year and you still work.","start":1144.99,"end":1151.71,"sentiment":"neutral","sentiment_score":0.034633579146530896},{"text":"So you can only take money tax free if you retire.","start":1151.71,"end":1155.1699,"sentiment":"neutral","sentiment_score":0.03601545180109414}],"sentiment":"neutral","sentiment_score":0.3033249576830051,"num_words":55,"start":1120.16,"end":1155.1699},{"sentences":[{"text":"But let's say you wanna keep working, but you wanna draw some money from your super, you can do that under something that is called a transition through retirement strategy.","start":1155.755,"end":1168.255,"sentiment":"neutral","sentiment_score":0.06829621829092503},{"text":"What it basically means is that between 60 and 65, you can keep working, but there is a limit on how much you can take out.","start":1169.41,"end":1181.59,"sentiment":"neutral","sentiment_score":-0.003850625469707526},{"text":"The maximum you can take out is 10% of your balance per year, minimum 4% Percent per year.","start":1182.285,"end":1196.56,"sentiment":"neutral","sentiment_score":-0.01697059767320752},{"text":"Yes.","start":1209.755,"end":1210.255,"sentiment":"neutral","sentiment_score":0.022622445598244667},{"text":"So you could take let's say let me do the calculation for you.","start":1213.755,"end":1217.9149,"sentiment":"neutral","sentiment_score":0.0107945861079945}],"sentiment":"neutral","sentiment_score":0.02052558628863401,"num_words":88,"start":1155.755,"end":1217.9149},{"sentences":[{"text":"So let's say, for example, when you're texting.","start":1217.9149,"end":1220.4149,"sentiment":"neutral","sentiment_score":0.009330070577561855},{"text":"Correct.","start":1222.62,"end":1223.12,"sentiment":"neutral","sentiment_score":0.04213423654437065},{"text":"So if you have let's say you were 60 today, and you go you keep working and you go, well, I need a little bit of money.","start":1223.1799,"end":1234.08,"sentiment":"neutral","sentiment_score":0.009923231822473032},{"text":"You could take you could take out tax free 19,683 based on today's balance, max.","start":1234.655,"end":1245.155,"sentiment":"neutral","sentiment_score":0.05069659563402335},{"text":"10%.","start":1246.83,"end":1247.57,"sentiment":"neutral","sentiment_score":0.02974226512014866}],"sentiment":"neutral","sentiment_score":0.022594101153887235,"num_words":52,"start":1217.9149,"end":1247.57},{"sentences":[{"text":"Correct.","start":1247.71,"end":1248.21,"sentiment":"neutral","sentiment_score":0.056834928691387177},{"text":"Yep.","start":1249.23,"end":1249.73,"sentiment":"neutral","sentiment_score":0.03148730844259262},{"text":"Yes.","start":1251.87,"end":1252.37,"sentiment":"neutral","sentiment_score":0.146044060587883},{"text":"So if if that's a situation so, obviously, next year when we have you on your review, you'll be, obviously, past that point.","start":1253.3099,"end":1262.715,"sentiment":"neutral","sentiment_score":0.02271288932989473},{"text":"Or when you do when you do turn 60, if you need anything, just call us.","start":1262.715,"end":1267.755,"sentiment":"neutral","sentiment_score":0.013963800680357963}],"sentiment":"neutral","sentiment_score":0.023337703885599262,"num_words":42,"start":1247.71,"end":1267.755},{"sentences":[{"text":"Or if you go off sorry.","start":1267.755,"end":1271.275,"sentiment":"neutral","sentiment_score":-0.2726171327133973},{"text":"You can just call us when when you turn 60 if you need any money.","start":1271.275,"end":1276.175,"sentiment":"neutral","sentiment_score":-0.10323799401521683},{"text":"Yeah.","start":1281.26,"end":1281.76,"sentiment":"neutral","sentiment_score":0.0033076629042625427},{"text":"Yeah.","start":1282.38,"end":1282.46,"sentiment":"neutral","sentiment_score":-0.015987783670425415},{"text":"Just be like, hey.","start":1282.46,"end":1283.68,"sentiment":"neutral","sentiment_score":-0.09096032474189997}],"sentiment":"neutral","sentiment_score":-0.13188126393490368,"num_words":27,"start":1267.755,"end":1283.68},{"sentences":[{"text":"Correct.","start":1285.9,"end":1286.3,"sentiment":"neutral","sentiment_score":-0.007840707898139954},{"text":"You can't you you can call me, but you can't take money out.","start":1286.3,"end":1290.56,"sentiment":"neutral","sentiment_score":-0.17160924180195883},{"text":"So you can still call me, but I can't I can't get any money out.","start":1291.095,"end":1294.715,"sentiment":"neutral","sentiment_score":-0.19622846047083536},{"text":"I can just oh, yeah.","start":1295.015,"end":1296.855,"sentiment":"neutral","sentiment_score":-0.08227502703666686},{"text":"Yes.","start":1296.855,"end":1297.355,"sentiment":"neutral","sentiment_score":0.08643290400505066}],"sentiment":"neutral","sentiment_score":-0.15734657113041198,"num_words":35,"start":1285.9,"end":1297.355},{"sentences":[{"text":"Yes.","start":1303.095,"end":1303.595,"sentiment":"neutral","sentiment_score":0.08629478514194489},{"text":"Yes.","start":1305.22,"end":1305.72,"sentiment":"neutral","sentiment_score":0.07134093344211578},{"text":"Correct.","start":1307.2999,"end":1307.7999,"sentiment":"neutral","sentiment_score":0.2888796329498291},{"text":"That's you can.","start":1307.94,"end":1309.0599,"sentiment":"neutral","sentiment_score":0.3040028065443039},{"text":"Yes.","start":1309.0599,"end":1309.5599,"sentiment":"neutral","sentiment_score":0.16407933831214905}],"sentiment":"neutral","sentiment_score":0.21751472992556437,"num_words":7,"start":1303.095,"end":1309.5599},{"sentences":[{"text":"Yes.","start":1309.78,"end":1310.28,"sentiment":"neutral","sentiment_score":0.10888925194740295},{"text":"And we Yeah.","start":1311.14,"end":1312.84,"sentiment":"neutral","sentiment_score":0.01566899319489797},{"text":"Yeah.","start":1317.795,"end":1318.295,"sentiment":"neutral","sentiment_score":-0.017110072076320648},{"text":"No.","start":1318.355,"end":1318.855,"sentiment":"neutral","sentiment_score":-0.07014168053865433},{"text":"Correct.","start":1322.115,"end":1322.615,"sentiment":"neutral","sentiment_score":-0.009058233350515366}],"sentiment":"neutral","sentiment_score":0.008512320795229502,"num_words":7,"start":1309.78,"end":1322.615},{"sentences":[{"text":"Now that that and and what's that strategy transition?","start":1322.755,"end":1326.775,"sentiment":"neutral","sentiment_score":0.011456972919404507},{"text":"It's designed for people who still wants to work, But let's say you wanna work part time.","start":1326.835,"end":1332.74,"sentiment":"neutral","sentiment_score":0.057129327646073175},{"text":"Let's say you just wanna work a little bit.","start":1332.74,"end":1335.32,"sentiment":"neutral","sentiment_score":0.03527712035510275},{"text":"That's when this come in handy because what some people do, it's like, let's say you need your income for covering bills and expenses.","start":1335.7,"end":1342.28,"sentiment":"neutral","sentiment_score":0.10527173181374867},{"text":"Let's say you need 80,000, but let's say you work part time and that your income is 60,000, but you need extra.","start":1342.66,"end":1352.515,"sentiment":"neutral","sentiment_score":0.04788546027107672}],"sentiment":"neutral","sentiment_score":0.06138033455490698,"num_words":81,"start":1322.755,"end":1352.515},{"sentences":[{"text":"So what we can then do is we could draw that 19,000 from super, for example, with your income of, let's say, 60, and that gets you very close to that 80.","start":1353.375,"end":1363.77,"sentiment":"neutral","sentiment_score":0.17145886551588774},{"text":"So there's, like, a lot of different things we can do.","start":1364.55,"end":1367.03,"sentiment":"neutral","sentiment_score":0.20782903073863548},{"text":"And and it is a very good thing that that exists because it can mean that you can you can take it out as a a lump sum or, like, a regular income.","start":1367.03,"end":1380.395,"sentiment":"positive","sentiment_score":0.6310796006159349},{"text":"So whether you wanna div it up in a in a weekly basis or fortnightly basis or once a month withdrawal or whether you go once you turn 60.","start":1380.395,"end":1391.89,"sentiment":"neutral","sentiment_score":0.21370294574519683},{"text":"Yes.","start":1391.89,"end":1392.39,"sentiment":"neutral","sentiment_score":0.09668121486902236}],"sentiment":"neutral","sentiment_score":0.3291744952494243,"num_words":106,"start":1353.375,"end":1392.39},{"sentences":[{"text":"Only if you're working.","start":1397.41,"end":1398.71,"sentiment":"neutral","sentiment_score":0.0006358639802783728},{"text":"If you call me when you turn 60 and you go, I have retired.","start":1398.85,"end":1403.355,"sentiment":"neutral","sentiment_score":0.01588579559964793},{"text":"I'm no longer working.","start":1403.735,"end":1405.195,"sentiment":"neutral","sentiment_score":0.013759562512859702},{"text":"You can take everything.","start":1405.575,"end":1406.955,"sentiment":"neutral","sentiment_score":0.14280527271330357},{"text":"You can take the whole lot.","start":1407.4149,"end":1408.875,"sentiment":"neutral","sentiment_score":0.1516622081398964}],"sentiment":"neutral","sentiment_score":0.05503678700188175,"num_words":32,"start":1397.41,"end":1408.875},{"sentences":[{"text":"Lump sum.","start":1410.455,"end":1411.255,"sentiment":"neutral","sentiment_score":0.06727481633424759},{"text":"Yes.","start":1411.255,"end":1411.6549,"sentiment":"neutral","sentiment_score":0.06314428895711899},{"text":"Or income, you can choose.","start":1411.6549,"end":1413.595,"sentiment":"neutral","sentiment_score":0.07475975230336189},{"text":"But it correct.","start":1415.11,"end":1416.95,"sentiment":"neutral","sentiment_score":0.05564839765429497},{"text":"But there's no limitation on how much you can take as long as you are not working.","start":1416.95,"end":1421.77,"sentiment":"neutral","sentiment_score":0.04472444568048505}],"sentiment":"neutral","sentiment_score":0.05352690902405551,"num_words":28,"start":1410.455,"end":1421.77},{"sentences":[{"text":"So there's a lot we can do here.","start":1424.5499,"end":1425.99,"sentiment":"neutral","sentiment_score":0.11522564943879843},{"text":"So when you're trying to fix the mhmm.","start":1425.99,"end":1427.715,"sentiment":"neutral","sentiment_score":0.03893461148254573},{"text":"Correct.","start":1433.955,"end":1434.4349,"sentiment":"neutral","sentiment_score":0.0913361757993698},{"text":"You can you can if you're if you're working, you can take up to 10% per year on Correct.","start":1434.4349,"end":1442.53,"sentiment":"neutral","sentiment_score":0.07517889367514535},{"text":"So yeah.","start":1442.59,"end":1444.77,"sentiment":"neutral","sentiment_score":0.2597000449895859}],"sentiment":"neutral","sentiment_score":0.08611624560465939,"num_words":38,"start":1424.5499,"end":1444.77},{"sentences":[{"text":"Yeah.","start":1445.0701,"end":1445.5701,"sentiment":"neutral","sentiment_score":0.1682536005973816},{"text":"And if anything changes, you know, when you do 10:60, if if you need anything, just let us know because there we can have a look at all of that for you.","start":1445.79,"end":1455.17,"sentiment":"neutral","sentiment_score":0.17103095597121865},{"text":"Yeah.","start":1457.175,"end":1457.675,"sentiment":"positive","sentiment_score":0.4007132649421692},{"text":"No.","start":1457.975,"end":1458.295,"sentiment":"neutral","sentiment_score":0.061979323625564575},{"text":"That's okay.","start":1458.295,"end":1459.115,"sentiment":"neutral","sentiment_score":0.0928090251982212}],"sentiment":"neutral","sentiment_score":0.16998796839569066,"num_words":37,"start":1445.0701,"end":1459.115},{"sentences":[{"text":"Now do you have any other questions before I move on to the next document?","start":1459.495,"end":1462.875,"sentiment":"neutral","sentiment_score":0.04785346128046512},{"text":"Yeah.","start":1464.855,"end":1465.355,"sentiment":"neutral","sentiment_score":-0.006152067333459854},{"text":"Now if you can press next for me.","start":1466.455,"end":1468.86,"sentiment":"neutral","sentiment_score":-0.0038485716795548797},{"text":"I think it should say next document.","start":1469.42,"end":1471.12,"sentiment":"neutral","sentiment_score":-0.006144285002457244},{"text":"Yes.","start":1474.46,"end":1474.96,"sentiment":"neutral","sentiment_score":-0.01576974242925644}],"sentiment":"neutral","sentiment_score":0.0194400481559569,"num_words":32,"start":1459.495,"end":1474.96},{"sentences":[{"text":"No.","start":1478.14,"end":1478.38,"sentiment":"neutral","sentiment_score":-0.05905480682849884},{"text":"That's okay.","start":1478.38,"end":1479.1799,"sentiment":"neutral","sentiment_score":0.0037723304703831673},{"text":"You can always go back and have a look at this after.","start":1479.1799,"end":1482.24,"sentiment":"neutral","sentiment_score":0.02687459796046217},{"text":"Yep.","start":1482.945,"end":1483.445,"sentiment":"neutral","sentiment_score":-0.04100734740495682},{"text":"Yeah.","start":1486.1449,"end":1486.6449,"sentiment":"neutral","sentiment_score":0.093808114528656}],"sentiment":"neutral","sentiment_score":0.019046223338912514,"num_words":17,"start":1478.14,"end":1486.6449},{"sentences":[{"text":"Now you will yep.","start":1486.945,"end":1489.105,"sentiment":"neutral","sentiment_score":0.02584829181432724},{"text":"So you will have two documents, this one, and then the next one should be a similar one.","start":1489.105,"end":1494.065,"sentiment":"neutral","sentiment_score":0.05366274652381738},{"text":"It's just different time.","start":1494.065,"end":1495.605,"sentiment":"neutral","sentiment_score":0.01848941668868065},{"text":"So the first one should be twelve months.","start":1496.2999,"end":1500.48,"sentiment":"neutral","sentiment_score":0.04048070730641484},{"text":"The next one is three months.","start":1501.1799,"end":1503.52,"sentiment":"neutral","sentiment_score":0.030669187816480797}],"sentiment":"neutral","sentiment_score":0.0412785264197737,"num_words":40,"start":1486.945,"end":1503.52},{"sentences":[{"text":"Basically, what it is, it shows you all your investments, how they have performed, and what's the return on your investments over the twelve month period and the three month period.","start":1504.14,"end":1519.465,"sentiment":"neutral","sentiment_score":0.21365382330071542},{"text":"Now the reason we I have done twelve and three is to show you a bit more of those markets, what's happening in the market.","start":1520.965,"end":1530.9299,"sentiment":"neutral","sentiment_score":0.03659298837184906},{"text":"So over the last twelve months, you probably have heard on the news and seen there's been quite a bit of turbulence in the market.","start":1530.99,"end":1538.9299,"sentiment":"neutral","sentiment_score":-0.24170262902975082},{"text":"So, obviously, everything that has happened in The US, obviously, with Trump and tariffs and everything, did see a bit of fluctuation in the market in the stock market.","start":1539.23,"end":1550.655,"sentiment":"neutral","sentiment_score":-0.24053858323343869},{"text":"And more recently, with the war as well, has seen a bit of fluctuation.","start":1551.435,"end":1557.7201,"sentiment":"neutral","sentiment_score":-0.25076338702014517}],"sentiment":"neutral","sentiment_score":-0.0725062808562671,"num_words":124,"start":1504.14,"end":1557.7201},{"sentences":[{"text":"So it's been quite a quite a turbulent twelve months.","start":1557.7201,"end":1560.78,"sentiment":"negative","sentiment_score":-0.4582866638898849},{"text":"So when we are looking at a twelve month period, most of your investments have done pretty good, but there was one investment that was underperforming.","start":1561.48,"end":1573.985,"sentiment":"neutral","sentiment_score":-0.1990949550213722},{"text":"Now do it was your Benelong Australian Equity.","start":1575.165,"end":1579.585,"sentiment":"neutral","sentiment_score":-0.13551281858235598},{"text":"That one was down.","start":1579.965,"end":1581.345,"sentiment":"neutral","sentiment_score":-0.3273134231567383},{"text":"Australia.","start":1583.34,"end":1583.84,"sentiment":"neutral","sentiment_score":-0.07052421569824219}],"sentiment":"neutral","sentiment_score":-0.24945338625384836,"num_words":49,"start":1557.7201,"end":1583.84},{"sentences":[{"text":"Yes.","start":1584.14,"end":1584.64,"sentiment":"neutral","sentiment_score":0.012079902924597263},{"text":"Now do you remember receiving an email from us?","start":1585.66,"end":1590.38,"sentiment":"neutral","sentiment_score":-0.0029206793341371748},{"text":"It wasn't anything you had to sign, but do you remember receiving an email on the March 16?","start":1590.38,"end":1597.2,"sentiment":"neutral","sentiment_score":-0.024005422834306955},{"text":"That's fine.","start":1603.115,"end":1604.015,"sentiment":"neutral","sentiment_score":0.03160339593887329},{"text":"Yes.","start":1604.635,"end":1605.135,"sentiment":"neutral","sentiment_score":0.020599067211151123}],"sentiment":"neutral","sentiment_score":-0.011693482677782736,"num_words":31,"start":1584.14,"end":1605.135},{"sentences":[{"text":"That's okay.","start":1606.075,"end":1606.975,"sentiment":"neutral","sentiment_score":0.07045311108231544},{"text":"It wasn't anything it wasn't anything you had to sign, but what that email was and you're welcome to go back and have a look later.","start":1607.195,"end":1613.535,"sentiment":"neutral","sentiment_score":0.08114816592289852},{"text":"What that email was, it was from from the directors and the investment committee because we obviously do investment research all the time on your investment.","start":1614.21,"end":1624.87,"sentiment":"neutral","sentiment_score":0.06538759601803926},{"text":"And we wanna be proactive that if there is an investment that is underperforming and not performing as good as we would like or there is something happening structurally with the investment, we want to be proactive and look at changing that for a better option.","start":1625.41,"end":1644.495,"sentiment":"neutral","sentiment_score":-0.09329561484248741},{"text":"Does that make sense?","start":1645.3,"end":1646.3401,"sentiment":"neutral","sentiment_score":0.08508344925940037}],"sentiment":"neutral","sentiment_score":-4.119741228910593e-6,"num_words":104,"start":1606.075,"end":1646.3401},{"sentences":[{"text":"Yeah.","start":1646.3401,"end":1646.8401,"sentiment":"neutral","sentiment_score":0.06354149430990219},{"text":"Exactly.","start":1649.4601,"end":1649.9601,"sentiment":"neutral","sentiment_score":-0.002739025978371501},{"text":"Correct.","start":1651.7001,"end":1652.2001,"sentiment":"neutral","sentiment_score":0.014671467244625092},{"text":"So that is what that email was on the March 16 to say that we changed the investment that was underperforming, which was then along.","start":1652.5,"end":1662.6749,"sentiment":"neutral","sentiment_score":-0.03659037694334984},{"text":"And instead, we swapped it for another Australian investment because we wanna give you diversification, but swapping for one that has performed better.","start":1663.0549,"end":1674.3099,"sentiment":"neutral","sentiment_score":0.07489895010771959}],"sentiment":"neutral","sentiment_score":0.017321379695489417,"num_words":51,"start":1646.3401,"end":1674.3099},{"sentences":[{"text":"So what we swapped it for, it was another Australian investment.","start":1675.25,"end":1679.41,"sentiment":"neutral","sentiment_score":0.25077232447537506},{"text":"It's very diversified because it invested 200 companies.","start":1679.41,"end":1683.19,"sentiment":"positive","sentiment_score":0.3650605157017708},{"text":"So super, super diversified.","start":1683.73,"end":1685.4299,"sentiment":"positive","sentiment_score":0.5863655507564545},{"text":"It was cheaper than your old Benelon investment, and it has performed better.","start":1686.5651,"end":1692.105,"sentiment":"positive","sentiment_score":0.5231235669209406},{"text":"So that's what that, yeah, so that's what that email was on the March 16.","start":1692.5651,"end":1697.145,"sentiment":"neutral","sentiment_score":0.16368515342473983}],"sentiment":"positive","sentiment_score":0.3388299131218125,"num_words":51,"start":1675.25,"end":1697.145},{"sentences":[{"text":"So before we make we have changed it.","start":1697.525,"end":1701.63,"sentiment":"neutral","sentiment_score":-0.0035217307740822434},{"text":"Yes.","start":1701.63,"end":1702.13,"sentiment":"neutral","sentiment_score":0.00905307475477457},{"text":"So that happened so from Benelong to BetaShares Australia two hundred.","start":1702.83,"end":1712.85,"sentiment":"neutral","sentiment_score":-0.03416027230295268},{"text":"Mhmm.","start":1717.725,"end":1718.225,"sentiment":"neutral","sentiment_score":0.000698472373187542},{"text":"Yes.","start":1718.765,"end":1719.265,"sentiment":"neutral","sentiment_score":0.005593327339738607}],"sentiment":"neutral","sentiment_score":-0.017663271229883485,"num_words":22,"start":1697.525,"end":1719.265},{"sentences":[{"text":"Okay.","start":1720.285,"end":1720.785,"sentiment":"neutral","sentiment_score":0.005388657562434673},{"text":"So, yes, so can you see where it's the heading where it says Australian equities?","start":1721.005,"end":1727.345,"sentiment":"neutral","sentiment_score":0.0006700434789915259},{"text":"Okay.","start":1736.49,"end":1736.99,"sentiment":"neutral","sentiment_score":-0.006405136547982693},{"text":"Looking keep looking down a little bit.","start":1737.45,"end":1740.1699,"sentiment":"neutral","sentiment_score":-0.1102452842252595},{"text":"After income receivable, do you see alternative investments?","start":1740.1699,"end":1742.99,"sentiment":"neutral","sentiment_score":-0.07452524546533823}],"sentiment":"neutral","sentiment_score":-0.04246514937813117,"num_words":32,"start":1720.285,"end":1742.99},{"sentences":[{"text":"A little bit further down on the paper.","start":1746.5951,"end":1748.295,"sentiment":"neutral","sentiment_score":-0.03449543355964124},{"text":"Yes.","start":1754.275,"end":1754.775,"sentiment":"neutral","sentiment_score":-0.027424320578575134},{"text":"And you said no.","start":1756.61,"end":1758.5299,"sentiment":"neutral","sentiment_score":-0.12005453743040562},{"text":"On this one.","start":1758.5299,"end":1759.4299,"sentiment":"neutral","sentiment_score":-0.10456938296556473},{"text":"On the same one.","start":1759.49,"end":1760.45,"sentiment":"neutral","sentiment_score":-0.06409739796072245}],"sentiment":"neutral","sentiment_score":-0.06768518397584558,"num_words":20,"start":1746.5951,"end":1760.45},{"sentences":[{"text":"So on this one.","start":1760.45,"end":1762.9299,"sentiment":"neutral","sentiment_score":-0.04400217719376087},{"text":"Yes.","start":1762.9299,"end":1763.4299,"sentiment":"neutral","sentiment_score":-0.006658346392214298},{"text":"Asset.","start":1766.21,"end":1766.71,"sentiment":"neutral","sentiment_score":0.0006077643483877182},{"text":"Yes.","start":1768.5449,"end":1768.945,"sentiment":"neutral","sentiment_score":0.022402282804250717},{"text":"Correct.","start":1768.945,"end":1769.445,"sentiment":"neutral","sentiment_score":0.026238497346639633}],"sentiment":"neutral","sentiment_score":-0.016677313833497465,"num_words":8,"start":1760.45,"end":1769.445},{"sentences":[{"text":"Now on the asset performance detail, underneath it, does it say a time frame?","start":1771.585,"end":1776.945,"sentiment":"neutral","sentiment_score":-0.008973360061645508},{"text":"Does it say all assets held?","start":1776.945,"end":1778.885,"sentiment":"neutral","sentiment_score":-0.01816735214864214},{"text":"And then does it have a time?","start":1779.6,"end":1781.6,"sentiment":"neutral","sentiment_score":-0.017483490918363844},{"text":"Like, it says, like, July 7?","start":1781.6,"end":1783.6201,"sentiment":"neutral","sentiment_score":0.006381609011441469},{"text":"Yes?","start":1787.76,"end":1788.26,"sentiment":"neutral","sentiment_score":0.022894032299518585}],"sentiment":"neutral","sentiment_score":-0.008700938347507925,"num_words":34,"start":1771.585,"end":1788.26},{"sentences":[{"text":"Correct.","start":1791.52,"end":1792.02,"sentiment":"neutral","sentiment_score":0.04778106510639191},{"text":"Yes.","start":1792.875,"end":1793.275,"sentiment":"neutral","sentiment_score":0.0626775324344635},{"text":"Perfect.","start":1793.275,"end":1793.775,"sentiment":"positive","sentiment_score":0.6041886806488037},{"text":"Now keep looking down.","start":1794.475,"end":1795.835,"sentiment":"neutral","sentiment_score":0.0722439605742693},{"text":"Do you have where it says assets?","start":1795.835,"end":1797.535,"sentiment":"neutral","sentiment_score":0.009160990161555154}],"sentiment":"neutral","sentiment_score":0.07626786082983017,"num_words":14,"start":1791.52,"end":1797.535},{"sentences":[{"text":"A little bit further down.","start":1800.875,"end":1802.175,"sentiment":"neutral","sentiment_score":-0.00579630620777607},{"text":"Asset, just straight under.","start":1805.05,"end":1806.91,"sentiment":"neutral","sentiment_score":0.012897731503471732},{"text":"So you have different columns, and it's the first column.","start":1807.2101,"end":1811.6901,"sentiment":"neutral","sentiment_score":0.026206455379724502},{"text":"So all the way to the left, you should have cash.","start":1811.6901,"end":1815.15,"sentiment":"neutral","sentiment_score":0.036082917993718926},{"text":"Can you see where it says cash?","start":1815.29,"end":1816.8301,"sentiment":"neutral","sentiment_score":0.0070782142824360305}],"sentiment":"neutral","sentiment_score":0.019760366126492217,"num_words":37,"start":1800.875,"end":1816.8301},{"sentences":[{"text":"So when you're in the asset performance detail, is it blank?","start":1824.3351,"end":1828.995,"sentiment":"neutral","sentiment_score":-0.014392129018564116},{"text":"Yes.","start":1830.05,"end":1830.55,"sentiment":"neutral","sentiment_score":0.002201705239713192},{"text":"Correct.","start":1831.25,"end":1831.75,"sentiment":"neutral","sentiment_score":0.035651158541440964},{"text":"All the paragraphs.","start":1831.81,"end":1832.77,"sentiment":"neutral","sentiment_score":0.014461721293628218},{"text":"So that's where I'm looking.","start":1832.77,"end":1833.99,"sentiment":"neutral","sentiment_score":0.002026225253939629}],"sentiment":"neutral","sentiment_score":-0.003187822155831825,"num_words":21,"start":1824.3351,"end":1833.99},{"sentences":[{"text":"So all the paragraphs.","start":1834.53,"end":1835.75,"sentiment":"neutral","sentiment_score":-0.0011468119919300084},{"text":"Now yes.","start":1836.69,"end":1838.05,"sentiment":"neutral","sentiment_score":0.028667619451880455},{"text":"So on this document, you can see underneath where it says all assets held 07/07/2025 to 07/06/2026.","start":1838.05,"end":1849.355,"sentiment":"neutral","sentiment_score":0.018107147394296003},{"text":"You know how you saw that?","start":1849.355,"end":1850.735,"sentiment":"neutral","sentiment_score":0.004320313377926747},{"text":"On under that, can you see where it says there's headings saying assets, code, open value, purchases.","start":1851.515,"end":1860.65,"sentiment":"neutral","sentiment_score":0.006721773513537996}],"sentiment":"neutral","sentiment_score":0.010886120144277811,"num_words":46,"start":1834.53,"end":1860.65},{"sentences":[{"text":"No.","start":1864.47,"end":1864.97,"sentiment":"neutral","sentiment_score":-0.2097693681716919},{"text":"What can you see?","start":1865.75,"end":1867.05,"sentiment":"neutral","sentiment_score":-0.07727802637964487},{"text":"Sure.","start":1875.925,"end":1876.425,"sentiment":"neutral","sentiment_score":0.027079638093709946},{"text":"Yes.","start":1881.78,"end":1882.28,"sentiment":"neutral","sentiment_score":-0.03132690489292145},{"text":"Okay.","start":1895.3949,"end":1895.8949,"sentiment":"neutral","sentiment_score":-0.009467046707868576}],"sentiment":"neutral","sentiment_score":-0.06657447339966893,"num_words":8,"start":1864.47,"end":1895.8949},{"sentences":[{"text":"Try the next one for me.","start":1896.0349,"end":1897.6549,"sentiment":"neutral","sentiment_score":-0.0034205385794242225},{"text":"And what does that say?","start":1897.715,"end":1899.0149,"sentiment":"neutral","sentiment_score":-0.0017332484945654868},{"text":"Yes.","start":1899.475,"end":1899.975,"sentiment":"neutral","sentiment_score":0.01246942114084959},{"text":"And it okay.","start":1918.625,"end":1919.605,"sentiment":"neutral","sentiment_score":0.011407436182101568},{"text":"So with the Vanguard index chart, that one we'll come back to their performance because you should have another one later.","start":1919.905,"end":1928.3049,"sentiment":"neutral","sentiment_score":-0.024230691826059705}],"sentiment":"neutral","sentiment_score":-0.01364839646137423,"num_words":36,"start":1896.0349,"end":1928.3049},{"sentences":[{"text":"But the one that you can now I will explain what it is a little bit simply for you.","start":1928.3049,"end":1938.67,"sentiment":"neutral","sentiment_score":-0.08142073726967762},{"text":"What it is, when we are looking at you can see all the different lines, all the different yep.","start":1938.67,"end":1944.5449,"sentiment":"neutral","sentiment_score":0.02141865784008252},{"text":"Sorry.","start":1944.6849,"end":1945.165,"sentiment":"neutral","sentiment_score":-0.07665347307920456},{"text":"What that correct.","start":1945.165,"end":1947.025,"sentiment":"neutral","sentiment_score":0.0017509125173091888},{"text":"So what that is, it is the different asset classes, how you can be invested.","start":1947.245,"end":1953.025,"sentiment":"neutral","sentiment_score":0.03491922461738189}],"sentiment":"neutral","sentiment_score":-0.01206406798997992,"num_words":57,"start":1928.3049,"end":1953.025},{"sentences":[{"text":"And the period of time, it shows you from 1995 through to 2025.","start":1953.725,"end":1961.79,"sentiment":"neutral","sentiment_score":0.01711210601318341},{"text":"And this is the movement of each investment.","start":1962.17,"end":1966.11,"sentiment":"neutral","sentiment_score":0.036942546954378486},{"text":"So you can see here that things do fluctuate up and down and up and down.","start":1966.73,"end":1970.91,"sentiment":"neutral","sentiment_score":-0.05543792014941573},{"text":"But yeah.","start":1971.37,"end":1974.825,"sentiment":"negative","sentiment_score":-0.344200074672699},{"text":"Now you can go and then after the call, you can go and download these and have a look at it on the computer as well if you would like.","start":1974.885,"end":1985.865,"sentiment":"neutral","sentiment_score":0.23770655939976373}],"sentiment":"neutral","sentiment_score":0.08802590817483007,"num_words":69,"start":1953.725,"end":1985.865},{"sentences":[{"text":"It's all there for you.","start":1985.96,"end":1987.08,"sentiment":"positive","sentiment_score":0.5202196478843689},{"text":"So even if you later go if you have a computer or an iPad or anything, you can go back into your emails and you can mhmm.","start":1987.08,"end":1996.62,"sentiment":"neutral","sentiment_score":0.1801248847472447},{"text":"Mhmm.","start":2005.655,"end":2006.155,"sentiment":"neutral","sentiment_score":0.0067355334758758545},{"text":"Yeah.","start":2008.215,"end":2008.615,"sentiment":"neutral","sentiment_score":0.06697595119476318},{"text":"I I do would you want all the documents sent to you in an email after the call?","start":2008.615,"end":2012.535,"sentiment":"neutral","sentiment_score":0.12553398807843527}],"sentiment":"neutral","sentiment_score":0.188419103801537,"num_words":52,"start":1985.96,"end":2012.535},{"sentences":[{"text":"Would that be helpful?","start":2012.535,"end":2013.515,"sentiment":"neutral","sentiment_score":0.1220790296792984},{"text":"Yeah?","start":2015.6,"end":2016.0,"sentiment":"neutral","sentiment_score":0.059288255870342255},{"text":"Okay.","start":2016.0,"end":2016.5,"sentiment":"neutral","sentiment_score":0.06489665061235428},{"text":"Yeah.","start":2016.72,"end":2017.0399,"sentiment":"neutral","sentiment_score":0.06591828167438507},{"text":"Of course it is.","start":2017.0399,"end":2017.9199,"sentiment":"neutral","sentiment_score":0.09236059337854385}],"sentiment":"neutral","sentiment_score":0.09526015276258643,"num_words":11,"start":2012.535,"end":2017.9199},{"sentences":[{"text":"Yes.","start":2017.9199,"end":2018.4199,"sentiment":"neutral","sentiment_score":0.07326903939247131},{"text":"I will get yeah.","start":2019.2,"end":2021.44,"sentiment":"neutral","sentiment_score":0.039110793732106686},{"text":"Sorry.","start":2021.44,"end":2021.76,"sentiment":"neutral","sentiment_score":-0.04199014604091644},{"text":"Sorry.","start":2021.76,"end":2022.24,"sentiment":"neutral","sentiment_score":-0.04755592346191406},{"text":"This one here, even though you can't really see it, it it talks about the different fluctuations, different colors.","start":2022.24,"end":2031.835,"sentiment":"neutral","sentiment_score":-0.006325418766784041}],"sentiment":"neutral","sentiment_score":0.0007685841634296456,"num_words":26,"start":2017.9199,"end":2031.835},{"sentences":[{"text":"So when we are talking about how your money is invested, it is making sure that you have enough time in the market and you are comfortable with it.","start":2032.375,"end":2041.915,"sentiment":"neutral","sentiment_score":0.18537009199117793},{"text":"So how you are currently invested in your growth portfolio, it will mean that so the top four lines is your growth investments.","start":2042.2949,"end":2057.055,"sentiment":"neutral","sentiment_score":0.18615941994864008},{"text":"So there's, like, a green two green lines, one light green, one dark green, a yellow, and a red.","start":2057.2751,"end":2064.975,"sentiment":"neutral","sentiment_score":0.1282310399569963},{"text":"Now these are the ones that you can kind of see, hopefully, that they grow the most.","start":2065.835,"end":2072.52,"sentiment":"neutral","sentiment_score":0.2943243349299711},{"text":"So that has done the most amount of growth since 1995.","start":2072.52,"end":2077.74,"sentiment":"neutral","sentiment_score":0.32141721655022015}],"sentiment":"neutral","sentiment_score":0.20841305213745195,"num_words":99,"start":2032.375,"end":2077.74},{"sentences":[{"text":"So that will give you way more money but also fluctuates a little bit.","start":2077.9602,"end":2083.02,"sentiment":"neutral","sentiment_score":0.1938259814466749},{"text":"So in your current portfolio, we have about 80% combined in these four top ones.","start":2084.115,"end":2092.615,"sentiment":"neutral","sentiment_score":0.21172550519307454},{"text":"So that is focusing on growing your superannuation.","start":2093.075,"end":2095.735,"sentiment":"positive","sentiment_score":0.33765627443790436},{"text":"You then have 20% in those three bottom.","start":2097.4602,"end":2102.76,"sentiment":"neutral","sentiment_score":0.22906929068267345},{"text":"So the blue, the gray, and the red.","start":2103.1401,"end":2105.72,"sentiment":"neutral","sentiment_score":0.14964965265244246}],"sentiment":"neutral","sentiment_score":0.21925373698742884,"num_words":53,"start":2077.9602,"end":2105.72},{"sentences":[{"text":"And you can hopefully see that they are a little bit more smooth.","start":2106.1,"end":2109.9602,"sentiment":"neutral","sentiment_score":0.28988466927638423},{"text":"They grow a little bit nowhere near as much, but they don't fluctuate as much either.","start":2110.035,"end":2115.1748,"sentiment":"neutral","sentiment_score":0.12453126348555088},{"text":"Does that kind of make sense?","start":2117.4749,"end":2119.095,"sentiment":"neutral","sentiment_score":0.10802036027113597},{"text":"Yes.","start":2120.275,"end":2120.6748,"sentiment":"neutral","sentiment_score":0.13517853617668152},{"text":"Yep.","start":2120.6748,"end":2121.1748,"sentiment":"neutral","sentiment_score":0.16494381427764893}],"sentiment":"neutral","sentiment_score":0.18133095752548528,"num_words":37,"start":2106.1,"end":2121.1748},{"sentences":[{"text":"So that is how everything is, Yeah.","start":2121.395,"end":2123.79,"sentiment":"neutral","sentiment_score":0.1985889800957271},{"text":"Now that is how everything is kind of invested for you at the moment.","start":2123.79,"end":2127.49,"sentiment":"positive","sentiment_score":0.34003234867538723},{"text":"And are you happy kind of with the level of fluctuation and risk and everything in your growth portfolio for now?","start":2128.27,"end":2136.6902,"sentiment":"neutral","sentiment_score":0.2901450736182077},{"text":"Yep.","start":2138.525,"end":2139.025,"sentiment":"neutral","sentiment_score":0.23532181978225708},{"text":"Perfect.","start":2139.2449,"end":2139.7449,"sentiment":"positive","sentiment_score":0.4583933353424072}],"sentiment":"neutral","sentiment_score":0.2940303964371031,"num_words":44,"start":2121.395,"end":2139.7449},{"sentences":[{"text":"Now when you do get close yeah.","start":2139.885,"end":2142.865,"sentiment":"neutral","sentiment_score":0.22613585208143508},{"text":"Yeah.","start":2145.6448,"end":2146.1448,"sentiment":"neutral","sentiment_score":0.05182576552033424},{"text":"And so you are kind of kind of in the middle where you are focusing on growing your super, but you're not in, like, your high growth or aggressive.","start":2146.2048,"end":2156.89,"sentiment":"neutral","sentiment_score":0.0829335739675524},{"text":"Now when you get closer to retirement, so when you get to about maybe five years or so for when you go, oh, no.","start":2157.59,"end":2168.485,"sentiment":"neutral","sentiment_score":0.02873003218943874},{"text":"Okay.","start":2168.485,"end":2168.985,"sentiment":"neutral","sentiment_score":0.035195544362068176}],"sentiment":"neutral","sentiment_score":0.07684784987190317,"num_words":62,"start":2139.885,"end":2168.985},{"sentences":[{"text":"I'm I'm close to wanting to retire.","start":2169.365,"end":2172.0251,"sentiment":"neutral","sentiment_score":0.03764711347009454},{"text":"We can then each year, we can look at so so, potentially, next year for you as you then turn 60 And if you are planning on retiring completely around that 65, it gives us roughly that five year mark.","start":2173.6052,"end":2187.52,"sentiment":"neutral","sentiment_score":0.10133393844589592},{"text":"Next year, we might look at gradually reducing that risk as closer and closer you get to retirement because then you have less time in the market.","start":2187.98,"end":2197.055,"sentiment":"neutral","sentiment_score":0.05634483529461755},{"text":"Does that make sense?","start":2197.275,"end":2198.335,"sentiment":"neutral","sentiment_score":0.060861995443701744},{"text":"Yes.","start":2198.795,"end":2199.275,"sentiment":"neutral","sentiment_score":0.14223870635032654}],"sentiment":"neutral","sentiment_score":0.07878334902792791,"num_words":79,"start":2169.365,"end":2199.275},{"sentences":[{"text":"Perfect.","start":2199.275,"end":2199.775,"sentiment":"positive","sentiment_score":0.34212762117385864},{"text":"Now if you press next for me, what can you see?","start":2200.635,"end":2204.015,"sentiment":"neutral","sentiment_score":0.05678677795962854},{"text":"Yes.","start":2209.2898,"end":2209.7898,"sentiment":"neutral","sentiment_score":0.04118557646870613},{"text":"So this one here, you yes.","start":2210.0898,"end":2213.0498,"sentiment":"neutral","sentiment_score":0.05951782936851183},{"text":"Correct.","start":2213.0498,"end":2213.5498,"sentiment":"neutral","sentiment_score":0.11498889327049255}],"sentiment":"neutral","sentiment_score":0.07400318123400211,"num_words":20,"start":2199.275,"end":2213.5498},{"sentences":[{"text":"You don't have to look at it too closely because what it is is your is your life insurance.","start":2213.6099,"end":2218.8298,"sentiment":"neutral","sentiment_score":0.09681298897454613},{"text":"So it's the one it's the one we talked about earlier.","start":2218.995,"end":2221.895,"sentiment":"neutral","sentiment_score":0.15097874944860284},{"text":"It just shows you that everything is paid and up to date for you.","start":2222.3552,"end":2226.7751,"sentiment":"neutral","sentiment_score":0.17842806556395122},{"text":"Yep.","start":2228.3552,"end":2228.8552,"sentiment":"neutral","sentiment_score":0.05933091044425965},{"text":"Now what's the next one?","start":2229.3152,"end":2230.8552,"sentiment":"neutral","sentiment_score":0.0393648698925972}],"sentiment":"neutral","sentiment_score":0.1250872242450714,"num_words":50,"start":2213.6099,"end":2230.8552},{"sentences":[{"text":"Yes.","start":2236.77,"end":2237.01,"sentiment":"neutral","sentiment_score":0.03338402137160301},{"text":"Next document.","start":2237.01,"end":2237.75,"sentiment":"neutral","sentiment_score":0.022764074616134167},{"text":"Yes.","start":2241.65,"end":2242.15,"sentiment":"neutral","sentiment_score":0.0917125791311264},{"text":"So you probably have seen this one before.","start":2242.61,"end":2246.675,"sentiment":"neutral","sentiment_score":0.14036657474935055},{"text":"It does give you all the important information in regards to us here at Oakview Financial.","start":2248.095,"end":2254.195,"sentiment":"neutral","sentiment_score":0.21233614487573504}],"sentiment":"neutral","sentiment_score":0.16753341663362725,"num_words":28,"start":2236.77,"end":2254.195},{"sentences":[{"text":"None none of the important information has changed, but we've had a bit of an up updates to our marketing and also a bit of an extension to the team.","start":2255.7751,"end":2265.69,"sentiment":"neutral","sentiment_score":0.09181979658703009},{"text":"So after you have a look at this one and, again, I will get the team to email you all the documents so that you have them to make it easier.","start":2265.69,"end":2273.345,"sentiment":"neutral","sentiment_score":0.1523847414120551},{"text":"You can have a read over it, and everything about our overview is in there.","start":2273.645,"end":2279.885,"sentiment":"neutral","sentiment_score":0.21283339262008666},{"text":"But if you want to put a face to the voice, seeing who you're actually talking with, if you scroll down to page 10, you should see a little photo of myself there.","start":2279.885,"end":2291.09,"sentiment":"neutral","sentiment_score":0.06998877690145464},{"text":"Yeah.","start":2293.55,"end":2294.05,"sentiment":"neutral","sentiment_score":0.08742384612560272}],"sentiment":"neutral","sentiment_score":0.11880068413235924,"num_words":110,"start":2255.7751,"end":2294.05},{"sentences":[{"text":"Yeah.","start":2295.23,"end":2295.73,"sentiment":"neutral","sentiment_score":0.06857626140117645},{"text":"Yep.","start":2296.75,"end":2297.25,"sentiment":"neutral","sentiment_score":0.07768486440181732},{"text":"Yes.","start":2300.205,"end":2300.685,"sentiment":"neutral","sentiment_score":0.05436891689896584},{"text":"Yep.","start":2300.685,"end":2301.0051,"sentiment":"neutral","sentiment_score":0.0419941246509552},{"text":"He's a director.","start":2301.0051,"end":2301.985,"sentiment":"neutral","sentiment_score":0.03686984752615293}],"sentiment":"neutral","sentiment_score":0.050461958561624796,"num_words":7,"start":2295.23,"end":2301.985},{"sentences":[{"text":"Mhmm.","start":2306.125,"end":2306.625,"sentiment":"neutral","sentiment_score":0.03480415791273117},{"text":"Yep.","start":2310.125,"end":2310.625,"sentiment":"neutral","sentiment_score":0.0922260880470276},{"text":"Yeah.","start":2311.0852,"end":2311.5852,"sentiment":"neutral","sentiment_score":0.22309064865112305},{"text":"There I am.","start":2314.1501,"end":2315.21,"sentiment":"neutral","sentiment_score":0.055276612440745033},{"text":"Sorry.","start":2315.59,"end":2316.07,"sentiment":"neutral","sentiment_score":-0.07651162147521973}],"sentiment":"neutral","sentiment_score":0.0627770157796996,"num_words":7,"start":2306.125,"end":2316.07},{"sentences":[{"text":"Because we obviously talk over the phone, sometimes it's nice.","start":2316.07,"end":2320.09,"sentiment":"neutral","sentiment_score":-0.09603570140898228},{"text":"Exactly.","start":2321.27,"end":2321.77,"sentiment":"neutral","sentiment_score":-0.03730679675936699},{"text":"Exactly.","start":2323.27,"end":2323.77,"sentiment":"neutral","sentiment_score":-0.023897146806120872},{"text":"Oh, yes.","start":2326.2449,"end":2326.9648,"sentiment":"neutral","sentiment_score":0.014338774606585503},{"text":"Definitely.","start":2326.9648,"end":2327.4648,"sentiment":"neutral","sentiment_score":0.020551566034555435}],"sentiment":"neutral","sentiment_score":-0.06482212282717228,"num_words":15,"start":2316.07,"end":2327.4648},{"sentences":[{"text":"You know?","start":2328.005,"end":2328.405,"sentiment":"neutral","sentiment_score":0.009410382248461246},{"text":"And it's like, you know, that's yeah.","start":2328.405,"end":2330.2449,"sentiment":"neutral","sentiment_score":0.0027641819989574806},{"text":"It's it's a person here and yeah.","start":2330.2449,"end":2332.405,"sentiment":"neutral","sentiment_score":0.008897768799215555},{"text":"You can see who you're talking to.","start":2332.405,"end":2334.105,"sentiment":"neutral","sentiment_score":-0.006260296462902001},{"text":"Oh, really?","start":2335.765,"end":2336.585,"sentiment":"neutral","sentiment_score":-0.05131920427083969}],"sentiment":"neutral","sentiment_score":-0.0018402425479143857,"num_words":25,"start":2328.005,"end":2336.585},{"sentences":[{"text":"I'm not very good at tennis.","start":2336.7249,"end":2338.185,"sentiment":"neutral","sentiment_score":-0.14268778016169867},{"text":"Oh, really?","start":2343.05,"end":2343.6301,"sentiment":"neutral","sentiment_score":0.004577543120831251},{"text":"I wish oh, thank you.","start":2344.4102,"end":2347.1301,"sentiment":"neutral","sentiment_score":0.11742415577173233},{"text":"I wish I could play tennis, but I can't.","start":2347.1301,"end":2349.31,"sentiment":"neutral","sentiment_score":-0.26069554189840954},{"text":"Not very good.","start":2350.6501,"end":2351.6301,"sentiment":"negative","sentiment_score":-0.5170175035794576}],"sentiment":"neutral","sentiment_score":-0.16628652814775705,"num_words":25,"start":2336.7249,"end":2351.6301},{"sentences":[{"text":"I'm better at soccer.","start":2352.7302,"end":2353.79,"sentiment":"neutral","sentiment_score":-0.21592802554368973},{"text":"Now, Francis, if you wanna press next for me, what can you see now?","start":2357.815,"end":2361.835,"sentiment":"neutral","sentiment_score":0.02917584391044719},{"text":"Yeah.","start":2368.22,"end":2368.6199,"sentiment":"neutral","sentiment_score":0.07606666535139084},{"text":"Okay.","start":2368.6199,"end":2369.1199,"sentiment":"neutral","sentiment_score":0.05567576736211777},{"text":"So what this is is your ongoing service agreement.","start":2369.5,"end":2374.96,"sentiment":"neutral","sentiment_score":0.026109269716673426}],"sentiment":"neutral","sentiment_score":-0.0030525664574113385,"num_words":29,"start":2352.7302,"end":2374.96},{"sentences":[{"text":"Now this would have been the case every annual review, and it is something that you have to obviously agree to.","start":2375.0999,"end":2381.2751,"sentiment":"neutral","sentiment_score":0.18685221246310643},{"text":"So what it is, it is to say that you are happy to stay on as a client.","start":2381.2751,"end":2385.935,"sentiment":"positive","sentiment_score":0.6912282738420699},{"text":"Now there is no changes in regards to the fee structure.","start":2386.635,"end":2390.895,"sentiment":"neutral","sentiment_score":0.1634519018910148},{"text":"It stays exactly the same as it has been at 1.65% from super.","start":2391.1702,"end":2397.99,"sentiment":"positive","sentiment_score":0.5263316952265226},{"text":"So we haven't increased the prices or anything.","start":2398.29,"end":2400.79,"sentiment":"neutral","sentiment_score":0.23642754182219505}],"sentiment":"positive","sentiment_score":0.37884096738318324,"num_words":71,"start":2375.0999,"end":2400.79},{"sentences":[{"text":"It stays exactly the same.","start":2400.9302,"end":2402.55,"sentiment":"positive","sentiment_score":0.4839704632759094},{"text":"Now with the ongoing service agreement as well, it is not a lock in contract.","start":2403.345,"end":2409.365,"sentiment":"neutral","sentiment_score":0.09529103388388951},{"text":"So if at any point in time, you are not happy with the service or when you turn 60, you go, no.","start":2409.905,"end":2416.705,"sentiment":"neutral","sentiment_score":-0.19882074303247713},{"text":"I wanna take all my money and do whatever you want.","start":2416.705,"end":2420.0999,"sentiment":"neutral","sentiment_score":-0.30085454745726153},{"text":"There's no exactly.","start":2420.0999,"end":2422.0398,"sentiment":"neutral","sentiment_score":-0.2549541046222051}],"sentiment":"neutral","sentiment_score":-0.08212680103523391,"num_words":56,"start":2400.9302,"end":2422.0398},{"sentences":[{"text":"There is exactly.","start":2422.18,"end":2423.78,"sentiment":"neutral","sentiment_score":-0.013560191417733828},{"text":"There is no locking contract.","start":2423.78,"end":2426.52,"sentiment":"neutral","sentiment_score":-0.10140394270420075},{"text":"Now every twelve months, you have to agree to stay on for the next twelve months, but it does not mean you have to you're locked in to twelve months.","start":2427.2998,"end":2434.635,"sentiment":"neutral","sentiment_score":0.11962579550842443},{"text":"Because how the fee structure work is that it's just deducted on a monthly basis for you.","start":2435.195,"end":2441.035,"sentiment":"neutral","sentiment_score":0.20473268102197087},{"text":"So it gives you the flexibility, but then also with market movements, it just makes the fees a little bit more fair to you.","start":2441.035,"end":2447.73,"sentiment":"neutral","sentiment_score":0.32648138018945855}],"sentiment":"neutral","sentiment_score":0.18173521872657009,"num_words":79,"start":2422.18,"end":2447.73},{"sentences":[{"text":"But by signing this document here because at the end, it should ask for your signature.","start":2448.6099,"end":2453.35,"sentiment":"neutral","sentiment_score":0.12605188181623816},{"text":"And no.","start":2453.9434,"end":2456.63,"sentiment":"neutral","sentiment_score":-0.03687695227563381},{"text":"It's not your life.","start":2459.65,"end":2460.53,"sentiment":"neutral","sentiment_score":-0.10607805661857128},{"text":"I promise.","start":2460.53,"end":2461.1099,"sentiment":"neutral","sentiment_score":-0.01762291230261326},{"text":"It will it just mean by signing it, if you are comfortable with it, only if you're comfortable with it.","start":2463.7852,"end":2469.725,"sentiment":"neutral","sentiment_score":0.10681463219225407}],"sentiment":"neutral","sentiment_score":0.08226842721077529,"num_words":44,"start":2448.6099,"end":2469.725},{"sentences":[{"text":"What it means, it allows us to keep servicing your account, keep managing your investments, and looking after everything for you until you retire.","start":2470.0251,"end":2480.86,"sentiment":"neutral","sentiment_score":0.2770198903356989},{"text":"Yes.","start":2484.76,"end":2484.9202,"sentiment":"neutral","sentiment_score":0.13766750693321228},{"text":"But like I said, any point in time, you need you when you turn 60 and if you if you need the money, you'd you just let me know.","start":2484.9202,"end":2492.46,"sentiment":"neutral","sentiment_score":0.08234606015271154},{"text":"No.","start":2493.345,"end":2493.845,"sentiment":"neutral","sentiment_score":-0.11365525424480438},{"text":"Yes.","start":2499.3525,"end":2499.8525,"sentiment":"neutral","sentiment_score":-0.024757061153650284}],"sentiment":"neutral","sentiment_score":0.16135300542893155,"num_words":56,"start":2470.0251,"end":2499.8525},{"sentences":[{"text":"Yeah.","start":2506.32,"end":2506.82,"sentiment":"neutral","sentiment_score":-0.057703547179698944},{"text":"Yeah.","start":2508.24,"end":2508.74,"sentiment":"neutral","sentiment_score":-0.06734670698642731},{"text":"And and that's the thing.","start":2508.9602,"end":2510.26,"sentiment":"neutral","sentiment_score":0.07261544317007065},{"text":"Exactly.","start":2511.52,"end":2512.02,"sentiment":"neutral","sentiment_score":0.2751997411251068},{"text":"Exactly.","start":2514.8,"end":2515.3,"sentiment":"positive","sentiment_score":0.3860483169555664}],"sentiment":"neutral","sentiment_score":0.09991944664054447,"num_words":9,"start":2506.32,"end":2515.3},{"sentences":[{"text":"And that's why we're here to help you through as well because the the closer you get to retirement, there will be more things, and it can get a bit more complex.","start":2515.36,"end":2523.2249,"sentiment":"neutral","sentiment_score":0.2420746732968837},{"text":"And then later yes.","start":2523.285,"end":2526.7449,"sentiment":"neutral","sentiment_score":0.022104352712631226},{"text":"Exactly.","start":2526.805,"end":2527.305,"sentiment":"neutral","sentiment_score":0.0669773519039154},{"text":"But then, also, the the system becomes a bit more tricky as well.","start":2527.845,"end":2531.365,"sentiment":"neutral","sentiment_score":-0.16667473316192627},{"text":"So at 67, that's then when age pension and that is, you know, if you do need help, we can kind of help different strategies with with age pension and assist with, you know, different with time and advice as well.","start":2531.365,"end":2545.3801,"sentiment":"neutral","sentiment_score":0.0897551858002638}],"sentiment":"neutral","sentiment_score":0.10346126807648894,"num_words":91,"start":2515.36,"end":2545.3801},{"sentences":[{"text":"So we kind of do everything.","start":2545.44,"end":2546.82,"sentiment":"neutral","sentiment_score":0.1902784009774526},{"text":"No.","start":2548.875,"end":2549.115,"sentiment":"neutral","sentiment_score":0.06778787076473236},{"text":"That's okay.","start":2549.115,"end":2549.935,"sentiment":"neutral","sentiment_score":0.10225510597229004},{"text":"Now if you are happy to add the signature, there should be then one more.","start":2551.195,"end":2557.2952,"sentiment":"neutral","sentiment_score":0.13572981109221777},{"text":"If you are happy to do so.","start":2561.13,"end":2562.75,"sentiment":"neutral","sentiment_score":0.13193798810243607}],"sentiment":"neutral","sentiment_score":0.14108005069917248,"num_words":31,"start":2545.44,"end":2562.75},{"sentences":[{"text":"Yep.","start":2567.45,"end":2567.95,"sentiment":"neutral","sentiment_score":0.11982496827840804},{"text":"Yes.","start":2568.25,"end":2568.75,"sentiment":"neutral","sentiment_score":0.09213405847549438},{"text":"Technology.","start":2578.985,"end":2579.485,"sentiment":"neutral","sentiment_score":0.1348415166139603},{"text":"It should be because maybe you've used the assigned before.","start":2581.145,"end":2584.125,"sentiment":"neutral","sentiment_score":0.1397843949496746},{"text":"So sometimes it pre because it's connected to your email address and everything.","start":2584.41,"end":2588.3499,"sentiment":"neutral","sentiment_score":0.0907688456086012}],"sentiment":"neutral","sentiment_score":0.11248613406832401,"num_words":26,"start":2567.45,"end":2588.3499},{"sentences":[{"text":"So it could be if you've pre signed before, sometimes you just need to click on it, and it automatically adds your name, or sometimes you have to draw it every time.","start":2588.73,"end":2597.39,"sentiment":"neutral","sentiment_score":0.08429363375762478},{"text":"Yes.","start":2601.095,"end":2601.495,"sentiment":"neutral","sentiment_score":0.06997238099575043},{"text":"So underneath it, does it say a little signature box, or does it ask you to sign?","start":2601.495,"end":2606.635,"sentiment":"neutral","sentiment_score":0.05163482576608658},{"text":"Mhmm.","start":2610.63,"end":2611.13,"sentiment":"neutral","sentiment_score":0.07949043810367584},{"text":"If you do sign all, it will then it's only two documents.","start":2615.19,"end":2617.91,"sentiment":"neutral","sentiment_score":0.1411468187967936}],"sentiment":"neutral","sentiment_score":0.08600655496711769,"num_words":63,"start":2588.73,"end":2617.91},{"sentences":[{"text":"It's this one.","start":2617.91,"end":2618.89,"sentiment":"neutral","sentiment_score":0.17145069936911264},{"text":"And there should be one more, and that is just a compliance form to say we are keeping your tax file number secure and safe on file, and that's it.","start":2619.1099,"end":2627.035,"sentiment":"neutral","sentiment_score":0.2212457242111365},{"text":"Try sign all for me.","start":2631.255,"end":2632.875,"sentiment":"neutral","sentiment_score":0.014379952102899551},{"text":"And does it add yep.","start":2637.5898,"end":2639.2698,"sentiment":"neutral","sentiment_score":0.05302426889538765},{"text":"And what does it say now?","start":2639.2698,"end":2640.73,"sentiment":"neutral","sentiment_score":0.007963142668207487}],"sentiment":"neutral","sentiment_score":0.1538066078661656,"num_words":49,"start":2617.91,"end":2640.73},{"sentences":[{"text":"Yep.","start":2650.085,"end":2650.405,"sentiment":"positive","sentiment_score":0.352619469165802},{"text":"Perfect.","start":2650.405,"end":2650.885,"sentiment":"positive","sentiment_score":0.6259874105453491},{"text":"And did it add a date as well?","start":2650.885,"end":2652.585,"sentiment":"neutral","sentiment_score":0.1966288723051548},{"text":"Yep.","start":2655.605,"end":2656.0051,"sentiment":"neutral","sentiment_score":0.04637085646390915},{"text":"Did it add the date automatically, or does it ask you to type it?","start":2656.0051,"end":2659.545,"sentiment":"neutral","sentiment_score":0.008443116609539305}],"sentiment":"neutral","sentiment_score":0.10864849388599396,"num_words":25,"start":2650.085,"end":2659.545},{"sentences":[{"text":"Oh, beautiful.","start":2665.73,"end":2666.5498,"sentiment":"positive","sentiment_score":0.4780086874961853},{"text":"Can you click is there a box to say validate or next?","start":2666.93,"end":2671.3499,"sentiment":"neutral","sentiment_score":0.14684573436776796},{"text":"Next, if you press next for me.","start":2672.625,"end":2674.725,"sentiment":"neutral","sentiment_score":0.03033276540892465},{"text":"Yep.","start":2677.2651,"end":2677.585,"sentiment":"neutral","sentiment_score":0.06083272024989128},{"text":"And what does it say now?","start":2677.585,"end":2678.965,"sentiment":"neutral","sentiment_score":0.010043791495263577}],"sentiment":"neutral","sentiment_score":0.10898539337462612,"num_words":28,"start":2665.73,"end":2678.965},{"sentences":[{"text":"Does it ask you to type it?","start":2691.2,"end":2692.98,"sentiment":"neutral","sentiment_score":-0.012486732165728296},{"text":"Yeah.","start":2694.4,"end":2694.72,"sentiment":"neutral","sentiment_score":0.021460827440023426},{"text":"Okay.","start":2694.72,"end":2695.22,"sentiment":"neutral","sentiment_score":0.03185195103287697},{"text":"Could could you type it for me?","start":2695.44,"end":2697.38,"sentiment":"neutral","sentiment_score":0.020382414971079146},{"text":"Okay.","start":2702.205,"end":2702.705,"sentiment":"neutral","sentiment_score":0.017163479700684547}],"sentiment":"neutral","sentiment_score":0.00739682575359064,"num_words":17,"start":2691.2,"end":2702.705},{"sentences":[{"text":"Yep.","start":2705.805,"end":2706.305,"sentiment":"neutral","sentiment_score":0.020742153748869896},{"text":"Yep.","start":2707.805,"end":2708.305,"sentiment":"neutral","sentiment_score":0.00797531008720398},{"text":"Okay.","start":2709.085,"end":2709.565,"sentiment":"neutral","sentiment_score":0.0451585054397583},{"text":"So that's all correct?","start":2709.565,"end":2710.785,"sentiment":"neutral","sentiment_score":0.0567562198266387},{"text":"Yep.","start":2712.41,"end":2712.91,"sentiment":"neutral","sentiment_score":0.03161035105586052}],"sentiment":"neutral","sentiment_score":0.041563899954780936,"num_words":8,"start":2705.805,"end":2712.91},{"sentences":[{"text":"Yep.","start":2717.2898,"end":2717.7898,"sentiment":"neutral","sentiment_score":0.03196938708424568},{"text":"Okay.","start":2718.5698,"end":2719.0698,"sentiment":"neutral","sentiment_score":0.04093819484114647},{"text":"Yeah.","start":2719.2898,"end":2719.6099,"sentiment":"neutral","sentiment_score":0.03323943540453911},{"text":"No.","start":2719.6099,"end":2719.8499,"sentiment":"neutral","sentiment_score":0.0020627304911613464},{"text":"That's fine.","start":2719.8499,"end":2720.75,"sentiment":"neutral","sentiment_score":0.04687116667628288}],"sentiment":"neutral","sentiment_score":0.033658680195609726,"num_words":6,"start":2717.2898,"end":2720.75},{"sentences":[{"text":"And then can you press validate on next now?","start":2721.21,"end":2724.43,"sentiment":"neutral","sentiment_score":0.023843185769187078},{"text":"Yes.","start":2726.425,"end":2726.905,"sentiment":"neutral","sentiment_score":0.026619622483849525},{"text":"Okay.","start":2726.905,"end":2727.405,"sentiment":"neutral","sentiment_score":0.01783469319343567},{"text":"It shouldn't ask you to sign that one.","start":2732.585,"end":2734.265,"sentiment":"neutral","sentiment_score":-0.030372319975867867},{"text":"Can you press next?","start":2734.265,"end":2735.405,"sentiment":"neutral","sentiment_score":-0.0005092625506222248}],"sentiment":"neutral","sentiment_score":0.000609885982197264,"num_words":23,"start":2721.21,"end":2735.405},{"sentences":[{"text":"Yes.","start":2739.7202,"end":2740.2002,"sentiment":"neutral","sentiment_score":0.12685802578926086},{"text":"Yep.","start":2740.2002,"end":2740.52,"sentiment":"neutral","sentiment_score":0.14361563324928284},{"text":"So this one here should ask you for another signature, and it is just that compliance form to say we are keeping your tax fund number secure and safe on file.","start":2740.52,"end":2752.625,"sentiment":"neutral","sentiment_score":0.167375041832847},{"text":"So it should be the same where it's just a little signature box.","start":2754.125,"end":2757.905,"sentiment":"neutral","sentiment_score":0.03594236892576401},{"text":"Yep.","start":2761.565,"end":2762.065,"sentiment":"neutral","sentiment_score":0.052702710032463074}],"sentiment":"neutral","sentiment_score":0.12721390344519565,"num_words":47,"start":2739.7202,"end":2762.065},{"sentences":[{"text":"Yes, please.","start":2763.245,"end":2764.065,"sentiment":"neutral","sentiment_score":0.08447665348649025},{"text":"Yep.","start":2766.6401,"end":2767.1401,"sentiment":"neutral","sentiment_score":0.022167928516864777},{"text":"Yep.","start":2768.72,"end":2769.22,"sentiment":"neutral","sentiment_score":0.08446481078863144},{"text":"Yes.","start":2770.72,"end":2771.22,"sentiment":"neutral","sentiment_score":0.09277835488319396},{"text":"Validate.","start":2773.4402,"end":2773.9402,"sentiment":"neutral","sentiment_score":0.12395142018795012}],"sentiment":"neutral","sentiment_score":0.08205263689160347,"num_words":6,"start":2763.245,"end":2773.9402},{"sentences":[{"text":"Yes.","start":2774.08,"end":2774.48,"sentiment":"neutral","sentiment_score":0.16846337914466858},{"text":"Perfect.","start":2774.48,"end":2774.98,"sentiment":"positive","sentiment_score":0.337210476398468},{"text":"Yes.","start":2780.175,"end":2780.675,"sentiment":"neutral","sentiment_score":0.21784824132919312},{"text":"When when we are.","start":2780.9749,"end":2782.895,"sentiment":"neutral","sentiment_score":0.13832390122115612},{"text":"And I will let you get on with your with your day.","start":2782.895,"end":2785.7148,"sentiment":"neutral","sentiment_score":0.27463944877187413}],"sentiment":"neutral","sentiment_score":0.24065742563260228,"num_words":19,"start":2774.08,"end":2785.7148},{"sentences":[{"text":"Now when it says validate, it should load.","start":2785.935,"end":2789.775,"sentiment":"neutral","sentiment_score":0.14239236060529947},{"text":"It should be like a little cogwheel.","start":2789.775,"end":2792.44,"sentiment":"neutral","sentiment_score":0.11113739971603666},{"text":"Yeah.","start":2792.9,"end":2793.4,"sentiment":"neutral","sentiment_score":0.14474180340766907},{"text":"So with it will then automatically send it back to myself, and I can upload and get all of that sorted for you.","start":2794.26,"end":2804.605,"sentiment":"neutral","sentiment_score":0.18455781463695609},{"text":"Now like I said, I will also let my team know to email you a copy of all the documents so that you can go yeah.","start":2804.7449,"end":2814.025,"sentiment":"neutral","sentiment_score":0.12224407164523235}],"sentiment":"neutral","sentiment_score":0.1459233551644362,"num_words":65,"start":2785.935,"end":2814.025},{"sentences":[{"text":"Okay.","start":2814.025,"end":2814.345,"sentiment":"neutral","sentiment_score":0.20608794689178467},{"text":"Perfect.","start":2814.345,"end":2814.845,"sentiment":"positive","sentiment_score":0.4149320721626282},{"text":"I'll right.","start":2815.065,"end":2816.375,"sentiment":"neutral","sentiment_score":0.19793365895748138},{"text":"Yeah.","start":2818.28,"end":2818.52,"sentiment":"neutral","sentiment_score":0.06553483009338379},{"text":"I have already got it just now.","start":2818.52,"end":2820.28,"sentiment":"neutral","sentiment_score":0.09694334651742663}],"sentiment":"neutral","sentiment_score":0.1467521327237288,"num_words":12,"start":2814.025,"end":2820.28},{"sentences":[{"text":"So that is perfect.","start":2820.28,"end":2821.42,"sentiment":"positive","sentiment_score":0.399415485560894},{"text":"Yeah.","start":2822.76,"end":2823.0,"sentiment":"positive","sentiment_score":0.47568559646606445},{"text":"So that is all good.","start":2823.0,"end":2824.2,"sentiment":"positive","sentiment_score":0.5573718249797821},{"text":"Well done.","start":2824.2,"end":2824.94,"sentiment":"positive","sentiment_score":0.41721436381340027},{"text":"Sometimes it's tricky with this technology.","start":2825.24,"end":2827.34,"sentiment":"neutral","sentiment_score":-0.072792187333107}],"sentiment":"neutral","sentiment_score":0.2921045704020394,"num_words":18,"start":2820.28,"end":2827.34},{"sentences":[{"text":"Yeah.","start":2828.52,"end":2829.02,"sentiment":"neutral","sentiment_score":0.19875690340995789},{"text":"You did good.","start":2829.32,"end":2830.22,"sentiment":"positive","sentiment_score":0.3726932505766551},{"text":"Now, Frances, like I said, I will get my team, Whitlam, to email you a copy of all these documents so you have them.","start":2833.515,"end":2843.755,"sentiment":"neutral","sentiment_score":0.1287015692020456},{"text":"If you have any questions in regards to them later, just let me know.","start":2843.755,"end":2848.81,"sentiment":"neutral","sentiment_score":0.13331674305456026},{"text":"Just send me an email or call the office.","start":2848.81,"end":2851.07,"sentiment":"neutral","sentiment_score":0.08268964870108499}],"sentiment":"neutral","sentiment_score":0.1375748148443652,"num_words":51,"start":2828.52,"end":2851.07},{"sentences":[{"text":"And like I said as well, when you do 10:60, if you need access to some money, let me know.","start":2853.05,"end":2859.39,"sentiment":"neutral","sentiment_score":0.04740759916603565},{"text":"Or even when just gonna help you.","start":2859.77,"end":2866.715,"sentiment":"neutral","sentiment_score":0.04413287700819118},{"text":"Or if or if you, you know, everything's going well, you keep working and you don't need it and you wanna keep having it invested until 65, then the next under review so next year, when when we speak and go through everything, we can then reassess as well of where everything's at for you.","start":2867.815,"end":2888.22,"sentiment":"neutral","sentiment_score":0.07592715302651579},{"text":"And if we wanna start what's that?","start":2888.22,"end":2890.7048,"sentiment":"neutral","sentiment_score":-0.021287454159132073},{"text":"Sorry.","start":2890.7048,"end":2891.2048,"sentiment":"neutral","sentiment_score":-0.05808388814330101}],"sentiment":"neutral","sentiment_score":0.058066438573102154,"num_words":90,"start":2853.05,"end":2891.2048},{"sentences":[{"text":"No.","start":2891.505,"end":2891.7449,"sentiment":"neutral","sentiment_score":-0.04791208356618881},{"text":"That's okay.","start":2891.7449,"end":2892.4849,"sentiment":"neutral","sentiment_score":-0.0022452266421169043},{"text":"The the money?","start":2893.505,"end":2894.9648,"sentiment":"neutral","sentiment_score":-0.009313024580478668},{"text":"Yes.","start":2900.9448,"end":2901.345,"sentiment":"neutral","sentiment_score":0.012320084497332571},{"text":"When you are over 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well.","start":2913.1501,"end":2915.23,"sentiment":"neutral","sentiment_score":0.3208507431877984},{"text":"But if it comes to it, just let me know because then we can do advice and strategies for you on how that would look like and if we need to change anything with your super or or anything like it.","start":2915.23,"end":2927.755,"sentiment":"neutral","sentiment_score":0.13253017251447932},{"text":"And I'll put a little note here as well to say that next year, we might look at start gradually reducing that risk exposure for you unless you are feeling amazing and you go, you know what?","start":2927.755,"end":2940.3699,"sentiment":"neutral","sentiment_score":0.08936092176952877},{"text":"I wanna work till I'm 70.","start":2940.3699,"end":2941.8298,"sentiment":"neutral","sentiment_score":0.06402214802801609},{"text":"Then we can, you know, we can reassess things for you.","start":2942.3699,"end":2947.765,"sentiment":"neutral","sentiment_score":0.06006926044144414}],"sentiment":"neutral","sentiment_score":0.1218523328873114,"num_words":104,"start":2913.1501,"end":2947.765},{"sentences":[{"text":"Yeah.","start":2947.765,"end":2948.265,"sentiment":"neutral","sentiment_score":0.05272497981786728},{"text":"Yes.","start":2948.645,"end":2949.045,"sentiment":"neutral","sentiment_score":0.05413225665688515},{"text":"You you've worked hard and and now now it's time to enjoy retirement.","start":2949.045,"end":2952.4248,"sentiment":"neutral","sentiment_score":0.12578024142063582},{"text":"Yeah.","start":2954.1648,"end":2954.6648,"sentiment":"neutral","sentiment_score":0.031766168773174286},{"text":"Hopefully, depending on on how but hopefully.","start":2958.02,"end":2960.84,"sentiment":"neutral","sentiment_score":0.02158347743430308}],"sentiment":"neutral","sentiment_score":0.08368916894592669,"num_words":23,"start":2947.765,"end":2960.84},{"sentences":[{"text":"Yeah.","start":2961.06,"end":2961.56,"sentiment":"neutral","sentiment_score":0.09829460084438324},{"text":"So, yeah, now, Frances, I know you're busy, so I will let you let you go.","start":2963.86,"end":2967.46,"sentiment":"neutral","sentiment_score":0.11204885225743055},{"text":"But do you have any other questions for me at this point otherwise?","start":2967.46,"end":2970.76,"sentiment":"neutral","sentiment_score":0.047042599807565026},{"text":"Yes.","start":2978.585,"end":2979.085,"sentiment":"neutral","sentiment_score":0.04699523746967316},{"text":"Yep.","start":2979.145,"end":2979.645,"sentiment":"neutral","sentiment_score":0.035175930708646774}],"sentiment":"neutral","sentiment_score":0.08077503758249804,"num_words":32,"start":2961.06,"end":2979.645},{"sentences":[{"text":"So just text it to you?","start":2980.025,"end":2982.2048,"sentiment":"neutral","sentiment_score":0.036886285369594894},{"text":"Yes.","start":2983.56,"end":2983.8,"sentiment":"neutral","sentiment_score":0.0905669778585434},{"text":"Yep.","start":2983.8,"end":2984.28,"sentiment":"neutral","sentiment_score":0.15530280768871307},{"text":"Perfect.","start":2984.28,"end":2984.78,"sentiment":"positive","sentiment_score":0.3336193859577179},{"text":"I can get I'll get Whitlam again to resend you a text message, and that has a a phone number.","start":2984.84,"end":2990.78,"sentiment":"neutral","sentiment_score":0.1538301233202219}],"sentiment":"neutral","sentiment_score":0.13370377069403386,"num_words":29,"start":2980.025,"end":2990.78},{"sentences":[{"text":"And I'll get him to text my personal email as well, if it is needs anything.","start":2991.24,"end":2996.3,"sentiment":"neutral","sentiment_score":0.06871750892605633},{"text":"Yeah.","start":2996.76,"end":2997.26,"sentiment":"neutral","sentiment_score":0.12829647958278656},{"text":"You can email me.","start":3000.695,"end":3002.235,"sentiment":"neutral","sentiment_score":0.0697379345074296},{"text":"Yeah.","start":3003.655,"end":3004.155,"sentiment":"neutral","sentiment_score":0.0429709367454052},{"text":"Exactly.","start":3005.655,"end":3006.155,"sentiment":"neutral","sentiment_score":0.06702110171318054}],"sentiment":"neutral","sentiment_score":0.07029219125599964,"num_words":23,"start":2991.24,"end":3006.155},{"sentences":[{"text":"So you can just email email me directly.","start":3006.2952,"end":3008.5552,"sentiment":"neutral","sentiment_score":0.08503973111510277},{"text":"That is no problem at all.","start":3009.655,"end":3011.25,"sentiment":"neutral","sentiment_score":0.23545032491286597},{"text":"Yep.","start":3013.17,"end":3013.67,"sentiment":"positive","sentiment_score":0.41029688715934753},{"text":"No problem at all.","start":3015.01,"end":3015.89,"sentiment":"neutral","sentiment_score":0.3264040872454643},{"text":"Well, thank you so much for your time and patience today.","start":3015.89,"end":3018.23,"sentiment":"positive","sentiment_score":0.44535140015862207}],"sentiment":"neutral","sentiment_score":0.2902599478761355,"num_words":30,"start":3006.2952,"end":3018.23},{"sentences":[{"text":"Yes.","start":3025.1848,"end":3025.4248,"sentiment":"positive","sentiment_score":0.44386160373687744},{"text":"Yeah.","start":3025.4248,"end":3025.7449,"sentiment":"positive","sentiment_score":0.4047034978866577},{"text":"Oh, that's good.","start":3025.7449,"end":3026.4648,"sentiment":"positive","sentiment_score":0.567311426003774},{"text":"I'm glad.","start":3026.4648,"end":3027.105,"sentiment":"positive","sentiment_score":0.634181797504425},{"text":"I know it took a little bit longer.","start":3027.105,"end":3028.7249,"sentiment":"neutral","sentiment_score":0.03143652016296983}],"sentiment":"neutral","sentiment_score":0.2713570090631644,"num_words":15,"start":3025.1848,"end":3028.7249},{"sentences":[{"text":"A little bit longer.","start":3029.4248,"end":3030.4849,"sentiment":"neutral","sentiment_score":-0.0430211229249835},{"text":"Yeah.","start":3030.9448,"end":3031.4448,"sentiment":"neutral","sentiment_score":0.026024390012025833},{"text":"Yeah.","start":3033.505,"end":3034.005,"sentiment":"neutral","sentiment_score":0.01963232271373272},{"text":"Yeah.","start":3039.28,"end":3039.78,"sentiment":"neutral","sentiment_score":0.02990659512579441},{"text":"I think so too.","start":3043.84,"end":3044.8801,"sentiment":"neutral","sentiment_score":0.3175240755081177}],"sentiment":"neutral","sentiment_score":0.10668864710764452,"num_words":11,"start":3029.4248,"end":3044.8801},{"sentences":[{"text":"I like it.","start":3044.8801,"end":3045.78,"sentiment":"positive","sentiment_score":0.6941685080528259},{"text":"But, yes, anything you need at any point in time, you you just call me.","start":3047.835,"end":3051.835,"sentiment":"neutral","sentiment_score":0.19003998289505641},{"text":"Okay?","start":3051.835,"end":3052.335,"sentiment":"neutral","sentiment_score":0.13916298747062683},{"text":"No problem at all.","start":3055.355,"end":3056.655,"sentiment":"positive","sentiment_score":0.44264262169599533},{"text":"No worries.","start":3057.675,"end":3058.415,"sentiment":"neutral","sentiment_score":0.29826049506664276}],"sentiment":"neutral","sentiment_score":0.2975743892788887,"num_words":25,"start":3044.8801,"end":3058.415},{"sentences":[{"text":"No worries.","start":3058.7148,"end":3059.195,"sentiment":"neutral","sentiment_score":0.32213152945041656},{"text":"We'll speak soon, and you enjoy the rest of your afternoon.","start":3059.195,"end":3061.615,"sentiment":"positive","sentiment_score":0.5881109400229021},{"text":"Alright.","start":3063.5999,"end":3064.0999,"sentiment":"positive","sentiment_score":0.38495343923568726},{"text":"No worries.","start":3064.3198,"end":3064.98,"sentiment":"positive","sentiment_score":0.38491272926330566},{"text":"Speak soon.","start":3066.48,"end":3067.2998,"sentiment":"neutral","sentiment_score":0.295151948928833}],"sentiment":"positive","sentiment_score":0.49214256637626225,"num_words":18,"start":3058.7148,"end":3067.2998},{"sentences":[{"text":"Bye.","start":3067.76,"end":3068.26,"sentiment":"neutral","sentiment_score":0.20371763408184052},{"text":"Bye.","start":3069.5999,"end":3070.0999,"sentiment":"neutral","sentiment_score":-0.10661749541759492}],"sentiment":"neutral","sentiment_score":0.048550069332122796,"num_words":2,"start":3067.76,"end":3070.0999}]}}]},{"alternatives":[{"transcript":"Hello? Hello? It's very low. Where is it from? UpView? Yes. Yes. Yes. Yeah. Okay. It's okay. It won't take long. Yeah. Okay. I'll just I'm gonna try. Yes, please. Who who am I speaking with? Veronica. How are you? Not bad. I'm just doing a lot of household chores. Yes, please. Okay. No worries. Okay. Francis Tomasi, twenty eighth of the fourth sixty seven, and it's Number 42 Ashley Drive, Mckenham, Victoria 3064. Mhmm. I'm still pretty. I'm still pretty like you. I wish. Aside from Defaq, what is the other one? Yeah. Yeah. Yes. I got three kids. Three big ones. Yeah. Yes. Yes. Yes. The same. Less overtime now, so probably 70 or something. That's okay. Yes. I see. Just to make it that pace. Mhmm. Which one? Yep. I got a 180,000. No. Oh, which one was for the oh, what's that one? Savings or the property value? Yeah. 100 80. Yeah. Yeah. Yes. Roughly. Around 80,000. Not much. 5, maybe, $5.05 5 k. No. No. Yes. 50 three. Yes. Yeah. Not really. I'm just looking forward when I'm gonna retire. I'm just tired of working. I'm I'm 59 now. So yeah. Here in here in Australia, what what age do we have that we will receive pension? Wow. 67. Yeah. Yeah. Yeah. I'm still looking at depending on my health, maybe three to five years, maybe. So, yeah, I still gonna be going by 60. 60 is already next year. So I still I think I can still handle that. What what was the name again of the portfolio? Not not really. How Elaine? No. I trusted you. Yep. Mhmm. Mhmm. Yeah. Mhmm. Veronica Glover. Yes. Find now. Find document. Which which link? Sign the signed document. Okay. Hold on. Okay. Alright. So there's a member number, account, approx. So where where are we going? Next document? Yes. At the moment. Wow. Okay. What what what what month is this? At the moment. Okay. Alright. Mhmm. I thought you're gonna say your loved ones were just gonna cry. Nothing else. Yeah. Correct. Mhmm. My my question is actually like this. You know, with the insurance thing, if I stop if I stop the my my thing with you, the super thing, this will also canceled. Mhmm. If you can just voluntarily, like, voluntarily pay them for that much. Personal. Yeah. Okay. Yep. Yep. Okay. Hold on. Okay. At the moment too, I I I had my thing salary sacrifice thing, so that's that's gone to my super year. Yeah. But I applied for a salary sacrifice from from work. And you check if it's yeah. If you receive it from 50 a week. Weekly. Yes. Yep. Yeah. Because I just I just realized now that I'm getting $30.60. I'm going to be 60. So Yes. Yep. And that's gonna be, yeah, weekly. Yes. Yeah. Because at the moment, your my yearly is averaging only $10 or less. So what what's yeah. So, normally, it's just, like, averaging from between 8 to 9,000 a year that goes to my supa from from work. Yep. Okay. Yeah. Yeah. So 32 is a very, very high thing to reach. So it's I I'm okay. I'm okay. I don't go beyond that. I wish. Yeah. Yeah. That's right. Yeah. And or or we know that I cannot put more than 30 total. Yeah. Each year. Yes. Yeah. Alright. Yes. Another question. I just remember. Like, just in case, what type of circumstances that you can you can withdraw something from your super? For example. Like, for example, also, if I keep I can't I still keep on working, and I I really need money. I can it can be due with you guys, but how much can I based on what I have at the moment? 10%. Oh, what I ended up? $1.96. Okay. Cool. Yes. Oh, but that's good. Mhmm. Oh, okay. Okay. I remember that when I'll be 60. But before 60, I cannot call you. Yeah? For for that terminal problem. Obviously. But I feel I I am I'm getting the point now that I feel if if I'm 60 and I really need money, I can I can call you guys and and ask for a withdrawal or something? That's good. That's good. Because I I heard some others that, no, you cannot really access unless you you retire, like, fully retire. But he said no. But what if you get sick or something? Yeah. That's it. Okay. Please. Mhmm. Mhmm. Mhmm. Once you're 60, yes, regardless if you're still working or not working. Correct? Yeah. Or you can make it monthly. Okay. But if you're working, you can always ask for that help. It's like the help thing, the one that we were talking about, the ten percent one. Correct? Yeah. Even if you're working. Less than 10 percent. Beautiful. At least I know. I think yeah. That's good. Beautiful. Thank you so much. Okay. Be warned, my dear. Hold on. Next document. Okay. Oh, they're very small. I don't have glasses on. No worries. I I cannot, you know, like, making it big. Okay. Where where are we? Mhmm. Mhmm. Ah, okay. Yep. Yeah. Mhmm. Which one? The Australian one. Anything before July July 9? What are we today? July 8? July 8? Can you hear me? Yeah. Yes. Yes. I was about to say you you changed it. Of course. It's not for a long time. So have you changed it? What what is it? No. Too too much now. Yeah. Because I'm looking at the asset type. Which one? I checked. I'm I'm I'm under income receivables in asset. I'm I'm in that part. Am I so far? No. Under the asset performance detail. No. Next document. Oh, on this page, I didn't all assets held. It's it's assets requirements detail. Yeah. Seventh of July to sixth of 2025 to to sixth of July 20 '26. Yep. What does it say? No. It it doesn't doesn't give me anything anymore. Just the next document. Yeah. It's all the paragraph thing, like, all paragraph. Yeah. Yeah. Okay. Mhmm. Yeah. No. I didn't have that. I see you. Okay. Okay. If I scroll it down, nothing. It just say, when it's the nothing, the network's super accelerator for for personal profile about it, and it won't give me anything anymore. Otherwise, it's the next document. Next document? Okay. The chart? Vanguard index 12. The glass makes your gives you headache. Yep. Yeah. Up and down. Mhmm. It's a shame. You cannot make it big. I already have my glasses on, but I'm trying to make it big, but I can't. Last time, I think it was last year, they sent me a a a all of that one that we're talking about like this, black and white. I mean, you know, in a mail. They send me yearly. Yeah. Yeah. It's possible. Okay. So next document. Yeah. Different colors. Indeed. Yeah. Yes. Yeah. I'm I'm easy. I'm not a risk taker, you know? Yeah. Yeah. Of course. Yeah. Yeah. Mhmm. Yes. Yes. All good. Yes. Mail? Certificate of guarantee? Okay. Plan details. This is the right there. Payment details and everything. Next document? Okay. Off your services. Yep. Oh, okay. That is what I'm looking for. I can see Zata, which he was the first one who talked to me and introduced. We have Rodent and Elisa, Jenna. Jessica. The sexy one. Ah, that's good. Now at least I can imagine your face while talking. You know? Do you know that this is very important as well? Yeah. Yeah. You look like a tennis player. You look like Koftchuk. You're watching tennis? You look like Koftchuk. She's pretty. Yeah. It's pretty. You're pretty. You're pretty. Okay. Okay. Another beautiful hold on. Consent. And goodbye. Say goodbye. Okay. No. I gotta sign my life now? Amen. Amen to that. Oh, thank you for that. Because that's what I was really thinking, you know, because my sister is always doing that to her. And I said, but I can. And I I'm not sure if I'm 60, and I don't know if I'm still, you know, alive and kicking. You know? And sometime in your life, you need something and you can just relax for a while. Yeah. I'm good. Because, you know, we're older. Yeah? Yep. Thank you. Is it how how am I gonna need to you want me to sign now? I don't have to put my name down because there's my name already there. So I I click on the on the box. Okay. You signed it already. Sign me oh, this one is oh, my god. Because my my in in the sign box, there's already my name. By signing, I agree that they chosen. Is that sign? Just just press the word sign or sign all? So which one I I have to press sign all or sign? Okay. Okay. I did it's in the signature part. There's my my thing my my pseudo pseudo name there already. The date? No. I I pressed it and it it it does the it when I press it, it it shows the date now. Next. Yep. I did. And nothing. It it went back to the it it was just the member full name. It shows my name there. Type it's typed. It's already there. The member full name part box, they're this already in my name being typed. And then the signature, I know it was in my handwritten, but it's okay. My handwriting. The date. Next. Okay. I'm under asset performance detail. Why is this? Next. Option to provide tax card number. Uh-huh. Mhmm. Signature. Signature. Yeah. Okay. So I'll just click it. Yeah. And automatically no. My name is there. So funny. And the date. Okay. Validate. Okay. I think we're almost at the end. Yeah. It's still loading. Okay. Yes. Okay. It says it's signed. You will you will get the signed document by email? Mhmm. Okay. Beautiful. Oh, I passed. I passed. We're trying to go work. Yes, please. Why you keep on reminding me when I turn 60? Yeah. Is that tax free? Slow it down. Is that tax free? If you yeah. If you ask, you know, the help that I was saying. Is that tax free, the 10%? Yeah. 60 or over. Nine. Yeah. Oh, okay. I need a light. You know? Who's 70? Yeah. Can you still walk and travel if you're 70? No. Please. Yeah. Hopefully, of course. Yeah. Yeah. Enjoy life. Just a request. So can you send me some to me your direct number and offer you, please? Yeah. Okay. Oh, yes, please. Yeah. Now I see your beautiful face. Yeah. I won't forget. I don't mind emailing you. I I know you already sure. Oh, that's very good. Thank you so much. I paid a lot in for the last few years, it's always yeah. That one is more up close and personal, which is good. Yeah. Yeah. Because I yeah. I've been talking to different ones and, yeah, it's almost more on the details on the performance and everything. 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Hello? It's very low. Where is it from? UpView?\n\nYes. Yes. Yes. Yeah. Okay.\n\nIt's okay. It won't take long. Yeah. Okay. I'll just I'm gonna try.\n\nYes, please. Who who am I speaking with? Veronica. How are you? Not bad.\n\nI'm just doing a lot of household chores. Yes, please. Okay. No worries. Okay.\n\nFrancis Tomasi, twenty eighth of the fourth sixty seven, and it's Number 42 Ashley Drive, Mckenham, Victoria 3064. Mhmm. I'm still pretty. I'm still pretty like you. I wish.\n\nAside from Defaq, what is the other one? Yeah. Yeah. Yes. I got three kids.\n\nThree big ones. Yeah. Yes. Yes. Yes.\n\nThe same. Less overtime now, so probably 70 or something. That's okay. Yes. I see.\n\nJust to make it that pace. Mhmm. Which one? Yep. I got a 180,000.\n\nNo. Oh, which one was for the oh, what's that one? Savings or the property value? Yeah. 100 80.\n\nYeah. Yeah. Yes. Roughly. Around 80,000.\n\nNot much. 5, maybe, $5.05 5 k. No. No. Yes.\n\n50 three. Yes. Yeah. Not really. I'm just looking forward when I'm gonna retire.\n\nI'm just tired of working. I'm I'm 59 now. So yeah. Here in here in Australia, what what age do we have that we will receive pension? Wow.\n\n67. Yeah. Yeah. Yeah. I'm still looking at depending on my health, maybe three to five years, maybe.\n\nSo, yeah, I still gonna be going by 60. 60 is already next year. So I still I think I can still handle that. What what was the name again of the portfolio? Not not really.\n\nHow Elaine? No. I trusted you. Yep. Mhmm.\n\nMhmm. Yeah. Mhmm. Veronica Glover. Yes.\n\nFind now. Find document. Which which link? Sign the signed document. Okay.\n\nHold on. Okay. Alright. So there's a member number, account, approx. So where where are we going?\n\nNext document? Yes. At the moment. Wow. Okay.\n\nWhat what what what month is this? At the moment. Okay. Alright. Mhmm.\n\nI thought you're gonna say your loved ones were just gonna cry. Nothing else. Yeah. Correct. Mhmm.\n\nMy my question is actually like this. You know, with the insurance thing, if I stop if I stop the my my thing with you, the super thing, this will also canceled. Mhmm. If you can just voluntarily, like, voluntarily pay them for that much. Personal.\n\nYeah. Okay. Yep. Yep. Okay.\n\nHold on. Okay. At the moment too, I I I had my thing salary sacrifice thing, so that's that's gone to my super year. Yeah. But I applied for a salary sacrifice from from work.\n\nAnd you check if it's yeah. If you receive it from 50 a week. Weekly. Yes. Yep.\n\nYeah. Because I just I just realized now that I'm getting $30.60. I'm going to be 60. So Yes. Yep.\n\nAnd that's gonna be, yeah, weekly. Yes. Yeah. Because at the moment, your my yearly is averaging only $10 or less. So what what's yeah.\n\nSo, normally, it's just, like, averaging from between 8 to 9,000 a year that goes to my supa from from work. Yep. Okay. Yeah. Yeah.\n\nSo 32 is a very, very high thing to reach. So it's I I'm okay. I'm okay. I don't go beyond that. I wish.\n\nYeah. Yeah. That's right. Yeah. And or or we know that I cannot put more than 30 total.\n\nYeah. Each year. Yes. Yeah. Alright.\n\nYes. Another question. I just remember. Like, just in case, what type of circumstances that you can you can withdraw something from your super? For example.\n\nLike, for example, also, if I keep I can't I still keep on working, and I I really need money. I can it can be due with you guys, but how much can I based on what I have at the moment? 10%. Oh, what I ended up? $1.96.\n\nOkay. Cool. Yes. Oh, but that's good. Mhmm.\n\nOh, okay. Okay. I remember that when I'll be 60. But before 60, I cannot call you. Yeah?\n\nFor for that terminal problem. Obviously. But I feel I I am I'm getting the point now that I feel if if I'm 60 and I really need money, I can I can call you guys and and ask for a withdrawal or something? That's good. That's good.\n\nBecause I I heard some others that, no, you cannot really access unless you you retire, like, fully retire. But he said no. But what if you get sick or something? Yeah. That's it.\n\nOkay. Please. Mhmm. Mhmm. Mhmm.\n\nOnce you're 60, yes, regardless if you're still working or not working. Correct? Yeah. Or you can make it monthly. Okay.\n\nBut if you're working, you can always ask for that help. It's like the help thing, the one that we were talking about, the ten percent one. Correct? Yeah. Even if you're working.\n\nLess than 10 percent. Beautiful. At least I know. I think yeah. That's good.\n\nBeautiful. Thank you so much. Okay. Be warned, my dear. Hold on.\n\nNext document. Okay. Oh, they're very small. I don't have glasses on. No worries.\n\nI I cannot, you know, like, making it big. Okay. Where where are we? Mhmm. Mhmm.\n\nAh, okay. Yep. Yeah. Mhmm. Which one?\n\nThe Australian one. Anything before July July 9? What are we today? July 8? July 8?\n\nCan you hear me? Yeah. Yes. Yes. I was about to say you you changed it.\n\nOf course. It's not for a long time. So have you changed it? What what is it? No.\n\nToo too much now. Yeah. Because I'm looking at the asset type. Which one? I checked.\n\nI'm I'm I'm under income receivables in asset. I'm I'm in that part. Am I so far? No. Under the asset performance detail.\n\nNo. Next document. Oh, on this page, I didn't all assets held. It's it's assets requirements detail. Yeah.\n\nSeventh of July to sixth of 2025 to to sixth of July 20 '26. Yep. What does it say? No. It it doesn't doesn't give me anything anymore.\n\nJust the next document. Yeah. It's all the paragraph thing, like, all paragraph. Yeah. Yeah.\n\nOkay. Mhmm. Yeah. No. I didn't have that.\n\nI see you. Okay. Okay. If I scroll it down, nothing. It just say, when it's the nothing, the network's super accelerator for for personal profile about it, and it won't give me anything anymore.\n\nOtherwise, it's the next document. Next document? Okay. The chart? Vanguard index 12.\n\nThe glass makes your gives you headache. Yep. Yeah. Up and down. Mhmm.\n\nIt's a shame. You cannot make it big. I already have my glasses on, but I'm trying to make it big, but I can't. Last time, I think it was last year, they sent me a a a all of that one that we're talking about like this, black and white. I mean, you know, in a mail.\n\nThey send me yearly. Yeah. Yeah. It's possible. Okay.\n\nSo next document. Yeah. Different colors. Indeed. Yeah.\n\nYes. Yeah. I'm I'm easy. I'm not a risk taker, you know? Yeah.\n\nYeah. Of course. Yeah. Yeah. Mhmm.\n\nYes. Yes. All good. Yes. Mail?\n\nCertificate of guarantee? Okay. Plan details. This is the right there. Payment details and everything.\n\nNext document? Okay. Off your services. Yep. Oh, okay.\n\nThat is what I'm looking for. I can see Zata, which he was the first one who talked to me and introduced. We have Rodent and Elisa, Jenna. Jessica. The sexy one.\n\nAh, that's good. Now at least I can imagine your face while talking. You know? Do you know that this is very important as well? Yeah.\n\nYeah. You look like a tennis player. You look like Koftchuk. You're watching tennis? You look like Koftchuk.\n\nShe's pretty. Yeah. It's pretty. You're pretty. You're pretty.\n\nOkay. Okay. Another beautiful hold on. Consent. And goodbye.\n\nSay goodbye. Okay. No. I gotta sign my life now? Amen.\n\nAmen to that. Oh, thank you for that. Because that's what I was really thinking, you know, because my sister is always doing that to her. And I said, but I can. And I I'm not sure if I'm 60, and I don't know if I'm still, you know, alive and kicking.\n\nYou know? And sometime in your life, you need something and you can just relax for a while. Yeah. I'm good. Because, you know, we're older.\n\nYeah? Yep. Thank you. Is it how how am I gonna need to you want me to sign now? I don't have to put my name down because there's my name already there.\n\nSo I I click on the on the box. Okay. You signed it already. Sign me oh, this one is oh, my god. Because my my in in the sign box, there's already my name.\n\nBy signing, I agree that they chosen. Is that sign? Just just press the word sign or sign all? So which one I I have to press sign all or sign? Okay.\n\nOkay. I did it's in the signature part. There's my my thing my my pseudo pseudo name there already. The date? No.\n\nI I pressed it and it it it does the it when I press it, it it shows the date now. Next. Yep. I did. And nothing.\n\nIt it went back to the it it was just the member full name. It shows my name there. Type it's typed. It's already there. The member full name part box, they're this already in my name being typed.\n\nAnd then the signature, I know it was in my handwritten, but it's okay. My handwriting. The date. Next. Okay.\n\nI'm under asset performance detail. Why is this? Next. Option to provide tax card number. Uh-huh.\n\nMhmm. Signature. Signature. Yeah. Okay.\n\nSo I'll just click it. Yeah. And automatically no. My name is there. So funny.\n\nAnd the date. Okay. Validate. Okay. I think we're almost at the end.\n\nYeah. It's still loading. Okay. Yes. Okay.\n\nIt says it's signed. You will you will get the signed document by email? Mhmm. Okay. Beautiful.\n\nOh, I passed. I passed. We're trying to go work. Yes, please. Why you keep on reminding me when I turn 60?\n\nYeah. Is that tax free? Slow it down. Is that tax free? If you yeah.\n\nIf you ask, you know, the help that I was saying. Is that tax free, the 10%? Yeah. 60 or over. Nine.\n\nYeah. Oh, okay. I need a light. You know? Who's 70?\n\nYeah. Can you still walk and travel if you're 70? No. Please. Yeah.\n\nHopefully, of course. Yeah. Yeah. Enjoy life. Just a request.\n\nSo can you send me some to me your direct number and offer you, please? Yeah. Okay. Oh, yes, please. Yeah.\n\nNow I see your beautiful face. Yeah. I won't forget. I don't mind emailing you. I I know you already sure.\n\nOh, that's very good. Thank you so much. I paid a lot in for the last few years, it's always yeah. That one is more up close and personal, which is good. Yeah.\n\nYeah. Because I yeah. I've been talking to different ones and, yeah, it's almost more on the details on the performance and everything. But this time, it's a I think it's different and it's a woman to woman, you know. Oh, thank you.\n\nThank you so much, doll. Thank you for your time and everything. Okay, doll. Thank you so much. Good good night.\n\nGood day. Bye, my dear. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.052869588136672974},{"text":"Hello?","start":7.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.030603419989347454},{"text":"It's very low.","start":11.28,"end":12.58,"sentiment":"negative","sentiment_score":-0.43355506658554077},{"text":"Where is it from?","start":14.974999,"end":16.195,"sentiment":"neutral","sentiment_score":-0.0364652038551867},{"text":"UpView?","start":21.695,"end":22.195,"sentiment":"neutral","sentiment_score":-0.0030145361088216305}],"sentiment":"neutral","sentiment_score":-0.13660675431601704,"num_words":10,"start":1.8399999,"end":22.195},{"sentences":[{"text":"Yes.","start":24.414999,"end":24.814999,"sentiment":"neutral","sentiment_score":0.017351100221276283},{"text":"Yes.","start":24.814999,"end":25.055,"sentiment":"neutral","sentiment_score":0.03592181205749512},{"text":"Yes.","start":25.055,"end":25.555,"sentiment":"neutral","sentiment_score":0.06789255142211914},{"text":"Yeah.","start":34.07,"end":34.309998,"sentiment":"neutral","sentiment_score":0.06816627085208893},{"text":"Okay.","start":34.309998,"end":34.71,"sentiment":"neutral","sentiment_score":0.11305417120456696}],"sentiment":"neutral","sentiment_score":0.06047718115150928,"num_words":5,"start":24.414999,"end":34.71},{"sentences":[{"text":"It's okay.","start":34.71,"end":35.45,"sentiment":"neutral","sentiment_score":0.19166649132966995},{"text":"It won't take long.","start":35.989998,"end":36.87,"sentiment":"neutral","sentiment_score":0.14818990603089333},{"text":"Yeah.","start":36.87,"end":37.37,"sentiment":"neutral","sentiment_score":0.035146377980709076},{"text":"Okay.","start":69.975006,"end":70.455,"sentiment":"neutral","sentiment_score":0.002644656226038933},{"text":"I'll just I'm gonna try.","start":70.455,"end":76.215004,"sentiment":"neutral","sentiment_score":0.00672815265133977}],"sentiment":"neutral","sentiment_score":0.08057880032664308,"num_words":13,"start":34.71,"end":76.215004},{"sentences":[{"text":"Yes, please.","start":76.215004,"end":77.035,"sentiment":"neutral","sentiment_score":0.0556701198220253},{"text":"Who who am I speaking with?","start":77.255005,"end":78.955,"sentiment":"neutral","sentiment_score":0.001491864832739035},{"text":"Veronica.","start":80.935005,"end":81.435005,"sentiment":"neutral","sentiment_score":0.04319120943546295},{"text":"How are you?","start":81.735,"end":82.555,"sentiment":"neutral","sentiment_score":0.08628463745117188},{"text":"Not bad.","start":85.090004,"end":85.57,"sentiment":"neutral","sentiment_score":0.03514749929308891}],"sentiment":"neutral","sentiment_score":0.03518796778683152,"num_words":14,"start":76.215004,"end":85.57},{"sentences":[{"text":"I'm just doing a lot of household chores.","start":85.57,"end":88.55,"sentiment":"neutral","sentiment_score":-0.07471006736159325},{"text":"Yes, please.","start":93.81,"end":94.63,"sentiment":"neutral","sentiment_score":0.012677733786404133},{"text":"Okay.","start":102.165,"end":102.565,"sentiment":"neutral","sentiment_score":0.060209181159734726},{"text":"No worries.","start":102.565,"end":103.305,"sentiment":"neutral","sentiment_score":0.10442222282290459},{"text":"Okay.","start":114.325005,"end":114.825005,"sentiment":"neutral","sentiment_score":0.02377411350607872}],"sentiment":"neutral","sentiment_score":-0.019964095072022507,"num_words":14,"start":85.57,"end":114.825005},{"sentences":[{"text":"Francis Tomasi, twenty eighth of the fourth sixty seven, and it's Number 42 Ashley Drive, Mckenham, Victoria 3064.","start":115.29,"end":124.990005,"sentiment":"neutral","sentiment_score":0.026039271305004757},{"text":"Mhmm.","start":137.315,"end":137.815,"sentiment":"neutral","sentiment_score":-0.027547046542167664},{"text":"I'm still pretty.","start":140.275,"end":141.575,"sentiment":"neutral","sentiment_score":-0.045198773965239525},{"text":"I'm still pretty like you.","start":144.76999,"end":148.62999,"sentiment":"neutral","sentiment_score":0.13894563987851144},{"text":"I wish.","start":149.48999,"end":150.31,"sentiment":"neutral","sentiment_score":0.28374549746513367}],"sentiment":"neutral","sentiment_score":0.054061472737069786,"num_words":29,"start":115.29,"end":150.31},{"sentences":[{"text":"Aside from Defaq, what is the other one?","start":168.40001,"end":170.58,"sentiment":"neutral","sentiment_score":-0.01046623510774225},{"text":"Yeah.","start":173.92,"end":174.42,"sentiment":"neutral","sentiment_score":0.029590191319584846},{"text":"Yeah.","start":175.12001,"end":175.62001,"sentiment":"neutral","sentiment_score":0.039286307990550995},{"text":"Yes.","start":176.88,"end":177.28,"sentiment":"neutral","sentiment_score":0.048860032111406326},{"text":"I got three kids.","start":177.28,"end":178.5,"sentiment":"neutral","sentiment_score":0.04330745618790388}],"sentiment":"neutral","sentiment_score":0.013815765020747979,"num_words":15,"start":168.40001,"end":178.5},{"sentences":[{"text":"Three big ones.","start":179.04001,"end":179.84001,"sentiment":"neutral","sentiment_score":0.03954412043094635},{"text":"Yeah.","start":179.84001,"end":180.315,"sentiment":"neutral","sentiment_score":0.05234015733003616},{"text":"Yes.","start":191.595,"end":192.095,"sentiment":"neutral","sentiment_score":0.03085808828473091},{"text":"Yes.","start":192.63501,"end":193.08,"sentiment":"neutral","sentiment_score":0.07648533582687378},{"text":"Yes.","start":201.08,"end":201.58,"sentiment":"neutral","sentiment_score":0.04571849852800369}],"sentiment":"neutral","sentiment_score":0.04629063446606908,"num_words":7,"start":179.04001,"end":201.58},{"sentences":[{"text":"The same.","start":202.04001,"end":202.7,"sentiment":"neutral","sentiment_score":0.06240661069750786},{"text":"Less overtime now, so probably 70 or something.","start":210.785,"end":214.485,"sentiment":"neutral","sentiment_score":-0.04634792194701731},{"text":"That's okay.","start":215.185,"end":215.925,"sentiment":"neutral","sentiment_score":0.01915019005537033},{"text":"Yes.","start":216.625,"end":216.785,"sentiment":"neutral","sentiment_score":0.03760850802063942},{"text":"I see.","start":216.785,"end":217.52501,"sentiment":"neutral","sentiment_score":0.04935708828270435}],"sentiment":"neutral","sentiment_score":-0.0047564726322889325,"num_words":15,"start":202.04001,"end":217.52501},{"sentences":[{"text":"Just to make it that pace.","start":218.145,"end":219.925,"sentiment":"neutral","sentiment_score":0.18783663089076677},{"text":"Mhmm.","start":231.76001,"end":232.26001,"sentiment":"neutral","sentiment_score":0.024066712707281113},{"text":"Which one?","start":240.54501,"end":241.365,"sentiment":"neutral","sentiment_score":0.011388886254280806},{"text":"Yep.","start":244.065,"end":244.565,"sentiment":"neutral","sentiment_score":0.030727621167898175},{"text":"I got a 180,000.","start":252.56,"end":254.26001,"sentiment":"neutral","sentiment_score":0.015272954944521189}],"sentiment":"neutral","sentiment_score":0.09040597939331617,"num_words":14,"start":218.145,"end":254.26001},{"sentences":[{"text":"No.","start":256.0,"end":256.5,"sentiment":"neutral","sentiment_score":-0.06075117364525795},{"text":"Oh, which one was for the oh, what's that one?","start":256.72,"end":261.605,"sentiment":"neutral","sentiment_score":-0.04682283326983452},{"text":"Savings or the property value?","start":261.605,"end":264.505,"sentiment":"neutral","sentiment_score":-0.013534304872155189},{"text":"Yeah.","start":267.52502,"end":268.02502,"sentiment":"neutral","sentiment_score":0.0005040592513978481},{"text":"100 80.","start":270.405,"end":271.125,"sentiment":"neutral","sentiment_score":0.0009767538867890835}],"sentiment":"neutral","sentiment_score":-0.03127334019365279,"num_words":19,"start":256.0,"end":271.125},{"sentences":[{"text":"Yeah.","start":271.125,"end":271.625,"sentiment":"neutral","sentiment_score":-0.002900814637541771},{"text":"Yeah.","start":273.685,"end":273.99,"sentiment":"neutral","sentiment_score":0.008612388744950294},{"text":"Yes.","start":281.03,"end":281.53,"sentiment":"neutral","sentiment_score":0.022069040685892105},{"text":"Roughly.","start":288.63,"end":289.13,"sentiment":"neutral","sentiment_score":-0.010642176494002342},{"text":"Around 80,000.","start":291.375,"end":292.595,"sentiment":"neutral","sentiment_score":0.006909319199621677}],"sentiment":"neutral","sentiment_score":0.005159512783090274,"num_words":6,"start":271.125,"end":292.595},{"sentences":[{"text":"Not much.","start":300.655,"end":301.47498,"sentiment":"neutral","sentiment_score":-0.16417206823825836},{"text":"5, maybe, $5.05 5 k.","start":304.3,"end":306.72,"sentiment":"neutral","sentiment_score":-0.0020356164313852787},{"text":"No.","start":319.27502,"end":319.77502,"sentiment":"neutral","sentiment_score":-0.10493902862071992},{"text":"No.","start":327.515,"end":328.015,"sentiment":"neutral","sentiment_score":-0.0474119558930397},{"text":"Yes.","start":336.62003,"end":337.12003,"sentiment":"neutral","sentiment_score":0.09394213557243349}],"sentiment":"neutral","sentiment_score":-0.03969310675747693,"num_words":10,"start":300.655,"end":337.12003},{"sentences":[{"text":"50 three.","start":343.33502,"end":347.83502,"sentiment":"neutral","sentiment_score":0.052956562489271164},{"text":"Yes.","start":367.68997,"end":367.995,"sentiment":"neutral","sentiment_score":0.1465076506137848},{"text":"Yeah.","start":402.505,"end":403.005,"sentiment":"neutral","sentiment_score":0.10221554338932036},{"text":"Not really.","start":409.97,"end":410.37,"sentiment":"neutral","sentiment_score":-0.16204006969928741},{"text":"I'm just looking forward when I'm gonna retire.","start":410.37,"end":412.87,"sentiment":"neutral","sentiment_score":-0.09843209851533175}],"sentiment":"neutral","sentiment_score":-0.05406432918139866,"num_words":14,"start":343.33502,"end":412.87},{"sentences":[{"text":"I'm just tired of working.","start":414.28998,"end":415.66998,"sentiment":"negative","sentiment_score":-0.3643465042114258},{"text":"I'm I'm 59 now.","start":417.00998,"end":418.44998,"sentiment":"neutral","sentiment_score":-0.0373358647339046},{"text":"So yeah.","start":418.44998,"end":419.505,"sentiment":"neutral","sentiment_score":-0.009787758812308311},{"text":"Here in here in Australia, what what age do we have that we will receive pension?","start":428.305,"end":434.165,"sentiment":"neutral","sentiment_score":-0.007159789907746017},{"text":"Wow.","start":438.68,"end":439.18,"sentiment":"neutral","sentiment_score":0.021156074479222298}],"sentiment":"neutral","sentiment_score":-0.07443043077364564,"num_words":28,"start":414.28998,"end":439.18},{"sentences":[{"text":"67.","start":439.4,"end":440.37997,"sentiment":"neutral","sentiment_score":0.012336387299001215},{"text":"Yeah.","start":443.0,"end":443.5,"sentiment":"neutral","sentiment_score":0.03241400420665741},{"text":"Yeah.","start":451.255,"end":451.755,"sentiment":"neutral","sentiment_score":0.029652072116732597},{"text":"Yeah.","start":453.015,"end":453.515,"sentiment":"neutral","sentiment_score":0.028757628053426743},{"text":"I'm still looking at depending on my health, maybe three to five years, maybe.","start":454.695,"end":461.195,"sentiment":"neutral","sentiment_score":-0.009466491506568022}],"sentiment":"neutral","sentiment_score":-0.0016317105231185753,"num_words":18,"start":439.4,"end":461.195},{"sentences":[{"text":"So, yeah, I still gonna be going by 60.","start":461.415,"end":465.03,"sentiment":"neutral","sentiment_score":0.08118958812620905},{"text":"60 is already next year.","start":465.03,"end":466.47,"sentiment":"neutral","sentiment_score":0.06371612846851349},{"text":"So I still I think I can still handle that.","start":466.47,"end":471.05,"sentiment":"neutral","sentiment_score":0.26360944733023645},{"text":"What what was the name again of the portfolio?","start":502.345,"end":504.605,"sentiment":"neutral","sentiment_score":0.011991698087917434},{"text":"Not not really.","start":513.225,"end":514.205,"sentiment":"neutral","sentiment_score":-0.11302193502585094}],"sentiment":"neutral","sentiment_score":0.09595113573595881,"num_words":36,"start":461.415,"end":514.205},{"sentences":[{"text":"How Elaine?","start":519.23,"end":519.94995,"sentiment":"neutral","sentiment_score":-0.0005169827491044998},{"text":"No.","start":519.94995,"end":520.44995,"sentiment":"neutral","sentiment_score":-0.1833210289478302},{"text":"I trusted you.","start":520.91,"end":522.20996,"sentiment":"neutral","sentiment_score":-0.18550782402356467},{"text":"Yep.","start":532.445,"end":532.945,"sentiment":"neutral","sentiment_score":0.05521973595023155},{"text":"Mhmm.","start":545.47003,"end":545.97003,"sentiment":"neutral","sentiment_score":0.05367054045200348}],"sentiment":"neutral","sentiment_score":-0.07899852376431227,"num_words":8,"start":519.23,"end":545.97003},{"sentences":[{"text":"Mhmm.","start":571.2,"end":571.7,"sentiment":"neutral","sentiment_score":0.004388850182294846},{"text":"Yeah.","start":585.215,"end":585.715,"sentiment":"neutral","sentiment_score":0.08190734684467316},{"text":"Mhmm.","start":590.415,"end":590.85,"sentiment":"neutral","sentiment_score":0.08035195618867874},{"text":"Veronica Glover.","start":593.00995,"end":594.79,"sentiment":"neutral","sentiment_score":0.09316325187683105},{"text":"Yes.","start":605.315,"end":605.815,"sentiment":"neutral","sentiment_score":0.11573152244091034}],"sentiment":"neutral","sentiment_score":0.07811769656836987,"num_words":6,"start":571.2,"end":605.815},{"sentences":[{"text":"Find now.","start":614.435,"end":615.255,"sentiment":"neutral","sentiment_score":0.07787152379751205},{"text":"Find document.","start":616.755,"end":617.575,"sentiment":"neutral","sentiment_score":0.06516081467270851},{"text":"Which which link?","start":624.86,"end":626.0,"sentiment":"neutral","sentiment_score":0.012393377100427946},{"text":"Sign the signed document.","start":626.62,"end":628.08,"sentiment":"neutral","sentiment_score":0.016784318489953876},{"text":"Okay.","start":629.9,"end":630.22003,"sentiment":"neutral","sentiment_score":0.025235457345843315}],"sentiment":"neutral","sentiment_score":0.03463479496228198,"num_words":12,"start":614.435,"end":630.22003},{"sentences":[{"text":"Hold on.","start":630.22003,"end":630.765,"sentiment":"neutral","sentiment_score":0.016415897756814957},{"text":"Okay.","start":637.005,"end":637.505,"sentiment":"neutral","sentiment_score":0.02658434584736824},{"text":"Alright.","start":640.205,"end":640.705,"sentiment":"neutral","sentiment_score":0.040331076830625534},{"text":"So there's a member number, account, approx.","start":640.925,"end":643.59,"sentiment":"neutral","sentiment_score":0.026888946071267128},{"text":"So where where are we going?","start":644.15,"end":645.61005,"sentiment":"neutral","sentiment_score":0.01627053615326683}],"sentiment":"neutral","sentiment_score":0.022681944565299678,"num_words":17,"start":630.22003,"end":645.61005},{"sentences":[{"text":"Next document?","start":645.75,"end":646.65,"sentiment":"neutral","sentiment_score":0.0002502913121134043},{"text":"Yes.","start":653.03,"end":653.53,"sentiment":"neutral","sentiment_score":0.01745525747537613},{"text":"At the moment.","start":670.565,"end":671.34,"sentiment":"neutral","sentiment_score":-0.013983616915841898},{"text":"Wow.","start":673.34,"end":673.84,"sentiment":"neutral","sentiment_score":0.01936708390712738},{"text":"Okay.","start":673.9,"end":674.4,"sentiment":"neutral","sentiment_score":0.01700623892247677}],"sentiment":"neutral","sentiment_score":0.0015472890227101739,"num_words":8,"start":645.75,"end":674.4},{"sentences":[{"text":"What what what what month is this?","start":675.98004,"end":678.4,"sentiment":"neutral","sentiment_score":0.001719699108174869},{"text":"At the moment.","start":681.34,"end":682.32,"sentiment":"neutral","sentiment_score":-0.0006916685961186886},{"text":"Okay.","start":682.78,"end":683.28,"sentiment":"neutral","sentiment_score":0.008887837640941143},{"text":"Alright.","start":685.10004,"end":685.575,"sentiment":"neutral","sentiment_score":0.07386776059865952},{"text":"Mhmm.","start":691.575,"end":692.075,"sentiment":"neutral","sentiment_score":0.02768721804022789}],"sentiment":"neutral","sentiment_score":0.009261977249899736,"num_words":13,"start":675.98004,"end":692.075},{"sentences":[{"text":"I thought you're gonna say your loved ones were just gonna cry.","start":704.07,"end":706.97003,"sentiment":"negative","sentiment_score":-0.5073783869544665},{"text":"Nothing else.","start":710.005,"end":711.70496,"sentiment":"neutral","sentiment_score":0.059611182659864426},{"text":"Yeah.","start":727.62,"end":728.12,"sentiment":"neutral","sentiment_score":0.22604674100875857},{"text":"Correct.","start":728.74,"end":729.24,"sentiment":"neutral","sentiment_score":0.3058907985687256},{"text":"Mhmm.","start":745.315,"end":745.77,"sentiment":"neutral","sentiment_score":0.03802797943353653}],"sentiment":"neutral","sentiment_score":-0.3176089858307558,"num_words":17,"start":704.07,"end":745.77},{"sentences":[{"text":"My my question is actually like this.","start":757.13,"end":760.99,"sentiment":"neutral","sentiment_score":-0.2091259126152311},{"text":"You know, with the insurance thing, if I stop if I stop the my my thing with you, the super thing, this will also 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32 is a very, very high thing to reach.","start":1064.355,"end":1068.115,"sentiment":"neutral","sentiment_score":-0.05758401472121477},{"text":"So it's I I'm okay.","start":1068.115,"end":1069.9299,"sentiment":"neutral","sentiment_score":0.09652358889579774},{"text":"I'm okay.","start":1069.9299,"end":1070.6699,"sentiment":"neutral","sentiment_score":0.14386345446109772},{"text":"I don't go beyond that.","start":1072.6499,"end":1074.09,"sentiment":"neutral","sentiment_score":-0.10882752388715744},{"text":"I wish.","start":1074.09,"end":1074.83,"sentiment":"neutral","sentiment_score":-0.015204213559627533}],"sentiment":"neutral","sentiment_score":-0.01583505584858358,"num_words":24,"start":1064.355,"end":1074.83},{"sentences":[{"text":"Yeah.","start":1081.61,"end":1082.085,"sentiment":"neutral","sentiment_score":0.07407015562057495},{"text":"Yeah.","start":1085.205,"end":1085.5249,"sentiment":"neutral","sentiment_score":0.06647554039955139},{"text":"That's 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you.","start":1282.7001,"end":1284.78,"sentiment":"neutral","sentiment_score":-0.13586088908570154},{"text":"Yeah?","start":1284.78,"end":1285.28,"sentiment":"neutral","sentiment_score":-0.0614403560757637}],"sentiment":"neutral","sentiment_score":-0.057110109004295535,"num_words":18,"start":1277.18,"end":1285.28},{"sentences":[{"text":"For for that terminal problem.","start":1285.74,"end":1287.52,"sentiment":"neutral","sentiment_score":-0.12733280919492246},{"text":"Obviously.","start":1292.885,"end":1293.385,"sentiment":"neutral","sentiment_score":-0.20117293298244476},{"text":"But I feel I I am I'm getting the point now that I feel if if I'm 60 and I really need money, I can I can call you guys and and ask for a withdrawal or something?","start":1295.045,"end":1306.63,"sentiment":"neutral","sentiment_score":0.011520993258608015},{"text":"That's good.","start":1306.77,"end":1307.5901,"sentiment":"positive","sentiment_score":0.36685405671596527},{"text":"That's 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big.","start":1482.595,"end":1485.655,"sentiment":"neutral","sentiment_score":-0.04229472246434954},{"text":"Okay.","start":1486.995,"end":1487.395,"sentiment":"neutral","sentiment_score":0.03923945501446724},{"text":"Where where are we?","start":1487.395,"end":1488.375,"sentiment":"neutral","sentiment_score":0.013185318559408188},{"text":"Mhmm.","start":1491.7949,"end":1492.2949,"sentiment":"neutral","sentiment_score":0.03602316230535507},{"text":"Mhmm.","start":1504.525,"end":1505.025,"sentiment":"neutral","sentiment_score":0.12764734029769895}],"sentiment":"neutral","sentiment_score":-0.007812579395249488,"num_words":16,"start":1482.595,"end":1505.025},{"sentences":[{"text":"Ah, 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name.","start":2596.47,"end":2600.25,"sentiment":"neutral","sentiment_score":0.02673076931387186}],"sentiment":"neutral","sentiment_score":0.08783714143293245,"num_words":35,"start":2566.74,"end":2600.25},{"sentences":[{"text":"By signing, I agree that they chosen.","start":2607.905,"end":2609.765,"sentiment":"neutral","sentiment_score":0.12525186900581634},{"text":"Is that sign?","start":2610.785,"end":2611.505,"sentiment":"neutral","sentiment_score":0.07066881408294041},{"text":"Just just press the word sign or sign all?","start":2611.505,"end":2614.11,"sentiment":"neutral","sentiment_score":0.05637349271112018},{"text":"So which one I I have to press sign all or sign?","start":2627.1501,"end":2630.335,"sentiment":"neutral","sentiment_score":-0.0026592021264756718},{"text":"Okay.","start":2633.115,"end":2633.615,"sentiment":"neutral","sentiment_score":0.0476868599653244}],"sentiment":"neutral","sentiment_score":0.05037210606678855,"num_words":32,"start":2607.905,"end":2633.615},{"sentences":[{"text":"Okay.","start":2635.515,"end":2636.015,"sentiment":"neutral","sentiment_score":0.04446375370025635},{"text":"I did it's in the signature part.","start":2637.675,"end":2643.035,"sentiment":"neutral","sentiment_score":0.0277118787967733},{"text":"There's my my thing my my pseudo pseudo name there already.","start":2643.035,"end":2649.3801,"sentiment":"neutral","sentiment_score":0.03615186007862741},{"text":"The date?","start":2654.4001,"end":2655.1401,"sentiment":"neutral","sentiment_score":0.057379256933927536},{"text":"No.","start":2658.665,"end":2658.905,"sentiment":"neutral","sentiment_score":-0.0473686084151268}],"sentiment":"neutral","sentiment_score":0.031977603254331785,"num_words":22,"start":2635.515,"end":2658.905},{"sentences":[{"text":"I I pressed it and it it it does the it when I press it, it it shows the date now.","start":2658.905,"end":2665.245,"sentiment":"neutral","sentiment_score":0.06493220380729153},{"text":"Next.","start":2671.625,"end":2672.125,"sentiment":"neutral","sentiment_score":0.02944650501012802},{"text":"Yep.","start":2675.41,"end":2675.91,"sentiment":"neutral","sentiment_score":0.10392048209905624},{"text":"I did.","start":2675.97,"end":2676.5498,"sentiment":"neutral","sentiment_score":0.09821135550737381},{"text":"And 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typed.","start":2703.08,"end":2708.46,"sentiment":"neutral","sentiment_score":0.021623020858636925}],"sentiment":"neutral","sentiment_score":0.0008903589362326341,"num_words":39,"start":2682.3699,"end":2708.46},{"sentences":[{"text":"And then the signature, I know it was in my handwritten, but it's okay.","start":2712.6802,"end":2716.845,"sentiment":"neutral","sentiment_score":0.0005338842747732997},{"text":"My handwriting.","start":2716.845,"end":2717.585,"sentiment":"neutral","sentiment_score":-0.002354387426748872},{"text":"The date.","start":2722.205,"end":2722.945,"sentiment":"neutral","sentiment_score":0.015300349332392217},{"text":"Next.","start":2725.245,"end":2725.745,"sentiment":"neutral","sentiment_score":0.014392605051398276},{"text":"Okay.","start":2727.34,"end":2727.82,"sentiment":"neutral","sentiment_score":0.01687042787671089}],"sentiment":"neutral","sentiment_score":0.0032314668293111025,"num_words":20,"start":2712.6802,"end":2727.82},{"sentences":[{"text":"I'm under asset performance detail.","start":2727.82,"end":2729.9,"sentiment":"neutral","sentiment_score":0.0106912761926651},{"text":"Why is this?","start":2729.9,"end":2730.72,"sentiment":"neutral","sentiment_score":-0.027942789097627003},{"text":"Next.","start":2737.26,"end":2737.66,"sentiment":"neutral","sentiment_score":0.019874997437000275},{"text":"Option to provide tax card 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I'll just click it.","start":2761.03,"end":2762.89,"sentiment":"neutral","sentiment_score":0.05971935465931892},{"text":"Yeah.","start":2763.75,"end":2764.25,"sentiment":"neutral","sentiment_score":0.04771748930215835},{"text":"And automatically no.","start":2764.39,"end":2766.23,"sentiment":"neutral","sentiment_score":0.020300541073083878},{"text":"My name is there.","start":2766.23,"end":2767.245,"sentiment":"neutral","sentiment_score":0.030018308199942112},{"text":"So funny.","start":2767.405,"end":2768.145,"sentiment":"neutral","sentiment_score":0.18869946897029877}],"sentiment":"neutral","sentiment_score":0.060312537103891374,"num_words":15,"start":2761.03,"end":2768.145},{"sentences":[{"text":"And the date.","start":2769.485,"end":2770.385,"sentiment":"neutral","sentiment_score":0.0640109380086263},{"text":"Okay.","start":2770.6052,"end":2771.1052,"sentiment":"neutral","sentiment_score":0.07130475342273712},{"text":"Validate.","start":2772.205,"end":2772.705,"sentiment":"neutral","sentiment_score":0.1122843250632286},{"text":"Okay.","start":2775.725,"end":2776.225,"sentiment":"neutral","sentiment_score":0.06343372911214828},{"text":"I think we're almost at the end.","start":2777.5652,"end":2779.59,"sentiment":"neutral","sentiment_score":0.1018681994506291}],"sentiment":"neutral","sentiment_score":0.08862561675218436,"num_words":13,"start":2769.485,"end":2779.59},{"sentences":[{"text":"Yeah.","start":2790.7102,"end":2790.9502,"sentiment":"neutral","sentiment_score":0.108562633395195},{"text":"It's still loading.","start":2790.9502,"end":2792.01,"sentiment":"neutral","sentiment_score":0.10883781065543492},{"text":"Okay.","start":2799.985,"end":2800.485,"sentiment":"neutral","sentiment_score":0.2100244164466858},{"text":"Yes.","start":2805.025,"end":2805.525,"sentiment":"neutral","sentiment_score":0.1298639327287674},{"text":"Okay.","start":2811.28,"end":2811.6802,"sentiment":"neutral","sentiment_score":0.09676265716552734}],"sentiment":"neutral","sentiment_score":0.12453243881464005,"num_words":7,"start":2790.7102,"end":2811.6802},{"sentences":[{"text":"It says it's signed.","start":2811.6802,"end":2812.98,"sentiment":"neutral","sentiment_score":0.055941023863852024},{"text":"You will you will get the signed document by 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please.","start":2840.97,"end":2841.79,"sentiment":"neutral","sentiment_score":0.20236218720674515},{"text":"Why you keep on reminding me when I turn 60?","start":2860.4648,"end":2863.285,"sentiment":"neutral","sentiment_score":-0.011985853873193264}],"sentiment":"neutral","sentiment_score":0.03296575906940482,"num_words":22,"start":2825.885,"end":2863.285},{"sentences":[{"text":"Yeah.","start":2876.035,"end":2876.535,"sentiment":"neutral","sentiment_score":0.04712020978331566},{"text":"Is that tax free?","start":2888.195,"end":2889.415,"sentiment":"neutral","sentiment_score":-0.0023643316235393286},{"text":"Slow it down.","start":2890.355,"end":2891.04,"sentiment":"neutral","sentiment_score":-0.031293013443549476},{"text":"Is that tax free?","start":2891.6,"end":2892.82,"sentiment":"neutral","sentiment_score":-0.006136830896139145},{"text":"If you 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over.","start":2905.365,"end":2906.5051,"sentiment":"neutral","sentiment_score":0.003226203417095045},{"text":"Nine.","start":2908.0051,"end":2908.5051,"sentiment":"neutral","sentiment_score":0.022221989929676056}],"sentiment":"neutral","sentiment_score":0.005897261101794852,"num_words":22,"start":2895.84,"end":2908.5051},{"sentences":[{"text":"Yeah.","start":2908.965,"end":2909.465,"sentiment":"neutral","sentiment_score":0.06553131341934204},{"text":"Oh, okay.","start":2910.885,"end":2911.945,"sentiment":"neutral","sentiment_score":0.18444961309432983},{"text":"I need a light.","start":2945.9502,"end":2946.75,"sentiment":"neutral","sentiment_score":0.023850145284086466},{"text":"You know?","start":2946.75,"end":2947.4102,"sentiment":"neutral","sentiment_score":0.02610149420797825},{"text":"Who's 70?","start":2948.99,"end":2949.9702,"sentiment":"neutral","sentiment_score":0.03402835316956043}],"sentiment":"neutral","sentiment_score":0.05909916504540227,"num_words":11,"start":2908.965,"end":2949.9702},{"sentences":[{"text":"Yeah.","start":2952.9102,"end":2953.4102,"sentiment":"neutral","sentiment_score":0.060282155871391296},{"text":"Can you still walk and travel if you're 70?","start":2953.4702,"end":2956.29,"sentiment":"neutral","sentiment_score":0.027708187078436215},{"text":"No.","start":2956.645,"end":2956.965,"sentiment":"neutral","sentiment_score":-0.020304568111896515},{"text":"Please.","start":2956.965,"end":2957.465,"sentiment":"neutral","sentiment_score":-0.021246403455734253},{"text":"Yeah.","start":2958.725,"end":2959.205,"sentiment":"neutral","sentiment_score":0.011786499992012978}],"sentiment":"neutral","sentiment_score":0.021530105230899956,"num_words":13,"start":2952.9102,"end":2959.205},{"sentences":[{"text":"Hopefully, of 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please?","start":2972.53,"end":2979.19,"sentiment":"neutral","sentiment_score":0.04185247446099917},{"text":"Yeah.","start":2982.69,"end":2983.19,"sentiment":"neutral","sentiment_score":0.045490801334381104},{"text":"Okay.","start":2983.25,"end":2983.75,"sentiment":"neutral","sentiment_score":0.06246238201856613},{"text":"Oh, yes, please.","start":2994.865,"end":2995.825,"sentiment":"neutral","sentiment_score":0.03958640247583389},{"text":"Yeah.","start":2995.825,"end":2996.325,"sentiment":"neutral","sentiment_score":0.08721349388360977}],"sentiment":"neutral","sentiment_score":0.04484347626566887,"num_words":21,"start":2972.53,"end":2996.325},{"sentences":[{"text":"Now I see your beautiful face.","start":2996.785,"end":2998.625,"sentiment":"neutral","sentiment_score":0.33202434082825977},{"text":"Yeah.","start":2998.625,"end":2998.865,"sentiment":"neutral","sentiment_score":0.20470020174980164},{"text":"I won't forget.","start":2998.865,"end":2999.765,"sentiment":"neutral","sentiment_score":0.138292429347833},{"text":"I don't mind emailing you.","start":3001.38,"end":3002.9,"sentiment":"neutral","sentiment_score":0.04939777366816998},{"text":"I I know you already sure.","start":3002.9,"end":3009.72,"sentiment":"neutral","sentiment_score":0.04844859770188729}],"sentiment":"neutral","sentiment_score":0.14997161853881108,"num_words":21,"start":2996.785,"end":3009.72},{"sentences":[{"text":"Oh, that's very good.","start":3011.7798,"end":3013.0598,"sentiment":"positive","sentiment_score":0.43913834542036057},{"text":"Thank you so much.","start":3013.0598,"end":3014.44,"sentiment":"positive","sentiment_score":0.5212234705686569},{"text":"I paid a lot in for the last few years, it's always yeah.","start":3016.715,"end":3021.195,"sentiment":"neutral","sentiment_score":0.21808707943329445},{"text":"That one is more up close and personal, which is good.","start":3021.195,"end":3024.895,"sentiment":"positive","sentiment_score":0.5991704111749475},{"text":"Yeah.","start":3027.5952,"end":3027.8352,"sentiment":"neutral","sentiment_score":0.07630838453769684}],"sentiment":"positive","sentiment_score":0.4043564304257884,"num_words":33,"start":3011.7798,"end":3027.8352},{"sentences":[{"text":"Yeah.","start":3027.8352,"end":3028.3352,"sentiment":"neutral","sentiment_score":-0.0014476627111434937},{"text":"Because I yeah.","start":3029.33,"end":3031.01,"sentiment":"neutral","sentiment_score":-0.02221095934510231},{"text":"I've been talking to different ones and, yeah, it's almost more on the details on the performance and everything.","start":3031.01,"end":3038.55,"sentiment":"neutral","sentiment_score":0.02187896816452083},{"text":"But this time, it's a I think it's different and it's a woman to woman, you know.","start":3038.93,"end":3043.51,"sentiment":"neutral","sentiment_score":0.08410398223820854},{"text":"Oh, thank you.","start":3052.635,"end":3053.5151,"sentiment":"positive","sentiment_score":0.5788739025592804}],"sentiment":"neutral","sentiment_score":0.08172114558387981,"num_words":43,"start":3027.8352,"end":3053.5151},{"sentences":[{"text":"Thank you so much, doll.","start":3053.5151,"end":3055.0552,"sentiment":"positive","sentiment_score":0.752364981174469},{"text":"Thank you for your time and everything.","start":3055.435,"end":3058.0952,"sentiment":"positive","sentiment_score":0.530680388212204},{"text":"Okay, doll.","start":3062.11,"end":3062.75,"sentiment":"positive","sentiment_score":0.4445955157279968},{"text":"Thank you so much.","start":3062.75,"end":3063.8901,"sentiment":"positive","sentiment_score":0.7455029189586639},{"text":"Good good night.","start":3064.03,"end":3064.99,"sentiment":"positive","sentiment_score":0.543702761332194}],"sentiment":"positive","sentiment_score":0.6180427911735716,"num_words":21,"start":3053.5151,"end":3064.99},{"sentences":[{"text":"Good day.","start":3064.99,"end":3065.6501,"sentiment":"positive","sentiment_score":0.5082494914531708},{"text":"Bye, my dear.","start":3068.11,"end":3069.07,"sentiment":"neutral","sentiment_score":0.25125367442766827},{"text":"Bye.","start":3069.07,"end":3069.57,"sentiment":"neutral","sentiment_score":0.1842184066772461}],"sentiment":"neutral","sentiment_score":0.32574640214443207,"num_words":6,"start":3064.99,"end":3069.57}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Veronica from Oktoof Financial. How are you?\n\nChannel 1: Hello?\n\nChannel 0: Hello? Can you hear me?\n\nChannel 1: It's very low.\n\nChannel 0: Let me have a\n\nChannel 1: Where\n\nChannel 0: look.\n\nChannel 1: is it from?\n\nChannel 0: At OTU Financial?\n\nChannel 1: UpView?\n\nChannel 0: OTU Debt?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yes. It's Veronica. I had you booked in for your annual review. Is now still a good time?\n\nChannel 1: Yeah. Okay. It's okay. It won't take long. Yeah.\n\nChannel 0: It probably takes about a half an hour or so. Do you have that time, or would you prefer to reschedule if now is a bit busy for you?\n\nChannel 1: Okay. I'll just I'm gonna\n\nChannel 0: Okay. Sure. I'll I'll try to make it quick for you.\n\nChannel 1: try.\n\nChannel 0: So\n\nChannel 1: Yes,\n\nChannel 0: I'll try\n\nChannel 1: please.\n\nChannel 0: to make it as\n\nChannel 1: Who who\n\nChannel 0: quick\n\nChannel 1: am I speaking\n\nChannel 0: as I can.\n\nChannel 1: with?\n\nChannel 0: Veronica.\n\nChannel 1: Veronica. How are you?\n\nChannel 0: Yeah. Good. How are you?\n\nChannel 1: Not bad. I'm just doing a lot of household chores.\n\nChannel 0: That's okay. Like I said, I'll tryna make it quick for you. But before\n\nChannel 1: Yes, please.\n\nChannel 0: I jump into it, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yes. Thank you. And just to confirm I'm speaking with the correct person, just for security, could I get you to confirm full name, date of birth, and address, please?\n\nChannel 1: Okay. Francis Tomasi, twenty eighth of the fourth sixty seven, and it's\n\nChannel 0: Yep.\n\nChannel 1: Number 42 Ashley Drive, Mckenham, Victoria 3064.\n\nChannel 0: Yep. Perfect. Now I will make it quick. So what I'll do first is I'll just quickly run through a fact find with you just to confirm if there is anything major that has changed in your life if we\n\nChannel 1: Mhmm.\n\nChannel 0: need to make any changes to your advice.\n\nChannel 1: I'm\n\nChannel 0: So bear\n\nChannel 1: still\n\nChannel 0: with\n\nChannel 1: pretty.\n\nChannel 0: me. You're still what? Sorry.\n\nChannel 1: I'm still pretty\n\nChannel 0: Yeah. That's good.\n\nChannel 1: like you. I wish.\n\nChannel 0: Thanks. Now, Frances, when it comes to your personal information, I have you down here as in that you are in a defacto relationship and you have three financial dependents. Is that correct?\n\nChannel 1: Aside from Defaq, what is the other one?\n\nChannel 0: And three kids.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yes. I got three kids.\n\nChannel 0: Yes.\n\nChannel 1: Three big ones. Yeah.\n\nChannel 0: Yep. Now I have here next up Kin. So if something were to happen to you, someone that you we can call if we can't get in touch with you as Mohammed. Is that\n\nChannel 1: Yes.\n\nChannel 0: still correct? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Has your occupation changed in the last twelve months? Are you still working as a machine operator? All the same?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: The same.\n\nChannel 0: Income, I have at about 80,000. That's still correct as well?\n\nChannel 1: Less overtime now, so probably 70 or something. That's\n\nChannel 0: About\n\nChannel 1: okay.\n\nChannel 0: 70?\n\nChannel 1: Yes. I see.\n\nChannel 0: Okay.\n\nChannel 1: Just to\n\nChannel 0: Perfect.\n\nChannel 1: make it that pace.\n\nChannel 0: Yeah. Perfect. Assets. So I have here you have a car, a motor vehicle, valued at about 21,000.\n\nChannel 1: Mhmm.\n\nChannel 0: Mhmm. And that you have a property back in The Philippines. You still have that one?\n\nChannel 1: Which one?\n\nChannel 0: A property in The Philippines?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And last, it was valued at about 180,000 Australian dollars?\n\nChannel 1: I got a 180,000.\n\nChannel 0: Yes.\n\nChannel 1: No. Oh, which one\n\nChannel 0: No.\n\nChannel 1: was for the oh, what's that one? Savings or the\n\nChannel 0: Your\n\nChannel 1: property\n\nChannel 0: prop\n\nChannel 1: value?\n\nChannel 0: the property value.\n\nChannel 1: Yeah. 100\n\nChannel 0: How\n\nChannel 1: 80.\n\nChannel 0: much?\n\nChannel 1: Yeah.\n\nChannel 0: About 180?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And do you have a a mortgage or a loan or anything attached to that property?\n\nChannel 1: Yes.\n\nChannel 0: Yes. And do you know how much you have owing on it? Roughly.\n\nChannel 1: Roughly. Around 80,000.\n\nChannel 0: So the 80. Okay. Perfect. Now did you say you have savings in the bank here in Australia as well?\n\nChannel 1: Not much.\n\nChannel 0: No? No. That's okay.\n\nChannel 1: 5,\n\nChannel 0: How\n\nChannel 1: maybe,\n\nChannel 0: much?\n\nChannel 1: $5.05 5 k.\n\nChannel 0: Yeah. No. That's still that's still decent. That's still something. And anything else?\n\nDo you have any other assets, any bikes, or anything else?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Any other, like, personal loans or credit cards or anything?\n\nChannel 1: No.\n\nChannel 0: No. Okay. And when it comes to health and life style, I have you here as a nonsmoker. Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: Yes. And have you had any changes to your health in the last twelve months at all?\n\nChannel 1: 50\n\nChannel 0: Still same? Okay. And when\n\nChannel 1: three.\n\nChannel 0: it comes to your beneficiary nominations for your CIFAR, so in the event something happens to you, I do wanna triple check I have the correct information. I have 50% to Mohammed, 15 to Don, 20 to Erwin, and 15 to Shanice. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. Now when it comes to kind of goals, stuff that you are working towards in the next twelve months, during the annual review, it's usually good to kind of get a bit of a check-in to see how everything went or what you are focusing on. And last time we spoke to you, your main priority was to tryna focus on building a little bit of a saving just as an emergency, have as a backup in case anything would happen to you or any family members. Is that still kind of your main focus?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Anything else you are working towards, Frances, or that's your main priority?\n\nChannel 1: Not really. I'm just looking forward when I'm gonna retire.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I'm just tired of working.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: And\n\nChannel 1: I'm 59 now. So yeah.\n\nChannel 0: yeah. And when do you think you you wanna start retiring? Like, when do you think you would like to retire?\n\nChannel 1: Here in here in Australia, what what age\n\nChannel 0: Yep.\n\nChannel 1: do we have that we will receive pension?\n\nChannel 0: So pension is 67\n\nChannel 1: Wow. 67.\n\nChannel 0: $60.67, but\n\nChannel 1: Yeah.\n\nChannel 0: you can access superannuation if you stop working at 60. So that will\n\nChannel 1: Yeah.\n\nChannel 0: be next year.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm still looking at depending on my health, maybe\n\nChannel 0: Yeah.\n\nChannel 1: three to five years, maybe.\n\nChannel 0: Okay.\n\nChannel 1: So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I still gonna be going by 60. 60 is already next year. So\n\nChannel 0: Yeah. Yes.\n\nChannel 1: I still\n\nChannel 0: Okay.\n\nChannel 1: I think I can still handle that.\n\nChannel 0: Yeah. Perfect. Now when it comes to superannuations, so how your money's invested. Now to make it quicker for you, I will will kind of won't go through the risk profile questionnaire, but we'll talk about your current investments and how things are invested and see if that still aligns with you. So at the moment, we have you invested in a growth portfolio.\n\nDo you remember what that means or what it is at all?\n\nChannel 1: What what was the name again of the portfolio?\n\nChannel 0: A a growth investor, so when it comes to the level of risk.\n\nChannel 1: Not not really.\n\nChannel 0: Not sure? No. That's okay. Most people say the same, to be honest. But,\n\nChannel 1: How Elaine?\n\nChannel 0: essentially,\n\nChannel 1: No. I trusted\n\nChannel 0: I'm\n\nChannel 1: you.\n\nChannel 0: yeah. Now when it comes to the risk profile, what's important is making sure that with market fluctuations that you are comfortable. So\n\nChannel 1: Yep.\n\nChannel 0: this is more just like a a a level of risk that you are comfortable with to making sure that you have enough time in the market, but then also that you are comfortable with it. So\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment, when we typically see a growth investor, it is for people who are looking at growing their superannuation as much as possible while you still have, you know, time while you are working, but also someone who is comfortable seeing a bit of a market fluctuation. So a little bit of up and down in the market\n\nChannel 1: Mhmm.\n\nChannel 0: as a result. Now when it comes to how your money is invested, what I will actually show you first is do you have access to your emails quickly for me?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So what I have done is I have just sent you an email.\n\nChannel 1: Mhmm.\n\nChannel 0: If you could access that for me. Now it\n\nChannel 1: Veronica\n\nChannel 0: could go to\n\nChannel 1: Glover.\n\nChannel 0: yes, please. That's me. If you can click on it it should when you open up the email, it should say sign now, I believe.\n\nChannel 1: Yes.\n\nChannel 0: If you if you click on that one, it will allow you to open up and look at everything first before it\n\nChannel 1: Find\n\nChannel 0: prompts\n\nChannel 1: now.\n\nChannel 0: you to sign anything. Yes.\n\nChannel 1: Find document.\n\nChannel 0: Just open it up for me first. But if you click on the link, it should take you to a couple of attachments.\n\nChannel 1: Which which link? Sign the signed document.\n\nChannel 0: Yes, please.\n\nChannel 1: Okay. Hold on. Okay. Alright. So there's a member number, account, approx.\n\nSo where where\n\nChannel 0: Yeah.\n\nChannel 1: are we going? Next document?\n\nChannel 0: Sorry. If you can stay on this one here, does it say superannuation and insurances on it? Summary\n\nChannel 1: Yes.\n\nChannel 0: of superannuation. Yes. So we start with this one, which shows us that at the moment, you have your superannuation in Netwealth, and you have a $196,835 in there\n\nChannel 1: At the moment.\n\nChannel 0: at the moment. Yes.\n\nChannel 1: Wow. Okay.\n\nChannel 0: Now\n\nChannel 1: What what what what month is this?\n\nChannel 0: July.\n\nChannel 1: At the moment. Okay.\n\nChannel 0: At the moment. Yes.\n\nChannel 1: Alright.\n\nChannel 0: Now you also have life insurance with Neos. So\n\nChannel 1: Mhmm.\n\nChannel 0: that is if something were to happen to you, your loved ones will receive $268,387.\n\nChannel 1: I thought you're gonna say your loved ones were just gonna cry.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Nothing else.\n\nChannel 0: Now which is which is still a decent amount because that means, obviously, that you can have a little peace of mind that, you know, if anything ever were to happen, at least your your family will get some support.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Correct.\n\nChannel 0: Yeah. Now your life insurance, you do get 15% discount on it. So it's about $1,835 for that the whole policy. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have any questions in regards to your insurance? Do you wanna change anything? Are you happy with what you have at the moment?\n\nChannel 1: My my question is actually like this. You know, with the insurance thing, if I stop if I stop the my my thing with you, the super thing,\n\nChannel 0: Yes.\n\nChannel 1: this will also canceled.\n\nChannel 0: Yes. Because it's paid from within superannuation. Unless you change it to like, unless you change to a different superannuation fund and you change where the policy is paid from. Yes. There are instances where, let's say, you turn 60 next year and\n\nChannel 1: Mhmm.\n\nChannel 0: you go, I wanna take all my money out. I've retired. I've stopped working, but you want to keep your life policy, we can check with Neos whether we can change it to\n\nChannel 1: If\n\nChannel 0: a\n\nChannel 1: you\n\nChannel 0: policy\n\nChannel 1: can just voluntarily, like, voluntarily pay them for that much.\n\nChannel 0: Correct. So whether we can change it so it's not owned by Super and it's owned by you directly, but\n\nChannel 1: Personal.\n\nChannel 0: that means you'd\n\nChannel 1: Yeah.\n\nChannel 0: have you would have to pay for that yourself instead of Super.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Any\n\nChannel 1: Okay.\n\nChannel 0: questions?\n\nChannel 1: Hold on.\n\nChannel 0: Sure.\n\nChannel 1: Okay. At the moment too, I I I had my thing salary sacrifice thing, so that's that's gone to my super year.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah. But I applied\n\nChannel 0: Do you\n\nChannel 1: for a salary sacrifice from from work.\n\nChannel 0: from work. Yes. So that should all be let me go into your account quickly for you and make sure that's all correct.\n\nChannel 1: And you check\n\nChannel 0: Do you\n\nChannel 1: if it's yeah. If you receive\n\nChannel 0: yes.\n\nChannel 1: it from\n\nChannel 0: Yes. I'll log in to your account now. Do you remember how much you told them through a put aside?\n\nChannel 1: 50 a week.\n\nChannel 0: Yes. 50 a week. Okay. Let me have a look here for you. And how often do you get paid?\n\nChannel 1: Weekly.\n\nChannel 0: Weekly? Okay. Perfect. Let me have a look at the loading. Yes.\n\nI can actually see that is going in, and it looks like so you just started it. Correct? Like,\n\nChannel 1: Yes.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: yeah. K. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: Because\n\nChannel 1: I just\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: look\n\nChannel 1: just realized now that I'm getting $30.60. I'm going to be 60. So\n\nChannel 0: yeah. Oh, yeah. Now I can see I can see that the first payment came in on the 07/01/2026. So it's\n\nChannel 1: Yes.\n\nChannel 0: just kind of started coming, and that was $50.\n\nChannel 1: Yep.\n\nChannel 0: So that is going\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: that's\n\nChannel 0: is\n\nChannel 1: gonna\n\nChannel 0: going\n\nChannel 1: be, yeah, weekly.\n\nChannel 0: Correct. Now if anything ever were to change in regards to your personal situation or anything, you can change that whenever you want to with work as well. Now the the thing when it comes to salary sacrifice that we want to be mindful of because salary sacrifice is a great way to boost your superannuation, also save a little bit of tax, which is nice. The only thing we wanna be mindful of is because they have contribution cap basis. So, basically, there's a limit on how much they allow you to put in each year.\n\nAt the moment, that is 32,500, and that includes that from your employer. Now at the moment, you are under that. So you have plenty of space, so that's good. So\n\nChannel 1: Yes.\n\nChannel 0: you're not\n\nChannel 1: Yeah.\n\nChannel 0: at risk of needing\n\nChannel 1: Because\n\nChannel 0: anything.\n\nChannel 1: at the moment, your my yearly is averaging only $10 or less.\n\nChannel 0: So if your income is 70,000, they would put in about 8,400, but then that also gets taxed at 15%.\n\nChannel 1: So what what's yeah. So, normally, it's just, like, averaging from between 8 to 9,000 a year that goes to my supa from from work.\n\nChannel 0: It would be a little bit less, but it's depending on your income. So if your income is exactly $7.00, so 70,000, it will be around 7,000 that your employer will put in. If your income is 80,000, that's what I had down before,\n\nChannel 1: Yep.\n\nChannel 0: your employer puts in about 8,160.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Do you think your income is closer to that 80,000? Because that's, Yeah? Okay. Because that yeah. That's about 8,000\n\nChannel 1: Yeah. So 32 is\n\nChannel 0: after\n\nChannel 1: a very, very\n\nChannel 0: tax.\n\nChannel 1: high thing to reach.\n\nChannel 0: Yes.\n\nChannel 1: So it's\n\nChannel 0: So\n\nChannel 1: I I'm okay.\n\nChannel 0: plenty\n\nChannel 1: I'm okay.\n\nChannel 0: of space.\n\nChannel 1: I\n\nChannel 0: Sorry.\n\nChannel 1: don't go beyond that. I wish.\n\nChannel 0: Yeah. The only thing I would say, if for some reason you win the lottery or or anything\n\nChannel 1: Yeah.\n\nChannel 0: like that and you go, oh, I wanna put everything in, just let me do\n\nChannel 1: Yeah.\n\nChannel 0: the math\n\nChannel 1: That's\n\nChannel 0: for\n\nChannel 1: right.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: first just to make sure that's all good.\n\nChannel 1: And or or we\n\nChannel 0: Yes.\n\nChannel 1: know that I cannot put more than 30 total.\n\nChannel 0: Exactly. Each year.\n\nChannel 1: Yeah. Each\n\nChannel 0: There\n\nChannel 1: year.\n\nChannel 0: are\n\nChannel 1: Yes.\n\nChannel 0: there there are different strategies that we can look at for you where it gets a bit complex, but you\n\nChannel 1: Yeah.\n\nChannel 0: can use, like, previous year space. So if, for example, you have 50,000, it could be possible, but I would say, just let me know and let me check the numbers for you\n\nChannel 1: Alright.\n\nChannel 0: first.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah. Perfect. But, no, that is all going in, which is great because I will also see your superannuation growing faster and compounding, which is great.\n\nChannel 1: Another question. I just remember.\n\nChannel 0: Yeah.\n\nChannel 1: Like, just in case, what type of circumstances that you can you can withdraw something from your super?\n\nChannel 0: Yes. So if you continue to work so let's say you turn 60 next year and you still work. So you can only take money tax free if you retire. But let's say you wanna keep working, but you wanna draw some money from your super, you can do that under something that is called a transition through retirement strategy. What it basically means is that between 60 and 65, you can keep working, but there is a limit on how much you can take out.\n\nThe maximum you can take out is 10% of your balance per year, minimum 4%\n\nChannel 1: For example.\n\nChannel 0: Percent per year.\n\nChannel 1: Like, for example, also, if I keep I can't I still keep on working, and I I really need money. I can\n\nChannel 0: Yes.\n\nChannel 1: it can be due with you guys, but how much can I\n\nChannel 0: So you could take let's say let me do the calculation for you. So let's say, for example,\n\nChannel 1: based\n\nChannel 0: when\n\nChannel 1: on\n\nChannel 0: you're texting.\n\nChannel 1: what I have at the moment?\n\nChannel 0: Correct. So if you have let's say you were 60 today, and you go you keep working and you go, well, I need a little bit of money. You could take you could take out tax free 19,683 based on today's balance, max.\n\nChannel 1: 10%.\n\nChannel 0: 10%. Correct.\n\nChannel 1: Oh, what\n\nChannel 0: Yep.\n\nChannel 1: I ended up? $1.96. Okay.\n\nChannel 0: Yes.\n\nChannel 1: Cool.\n\nChannel 0: So if if that's a situation so, obviously, next year when we have you on your review, you'll be, obviously, past that point. Or\n\nChannel 1: Yes.\n\nChannel 0: when you do when you do turn 60, if you need anything, just call us. Or\n\nChannel 1: Oh,\n\nChannel 0: if you\n\nChannel 1: but\n\nChannel 0: go\n\nChannel 1: that's\n\nChannel 0: off\n\nChannel 1: good.\n\nChannel 0: sorry. You can just call us when when you turn 60\n\nChannel 1: Mhmm.\n\nChannel 0: if you need any money.\n\nChannel 1: Oh, okay. Okay. I remember that when I'll be 60.\n\nChannel 0: Yeah. Yeah. Just\n\nChannel 1: But\n\nChannel 0: be\n\nChannel 1: before\n\nChannel 0: like, hey.\n\nChannel 1: 60, I cannot call you. Yeah? For\n\nChannel 0: Correct.\n\nChannel 1: for that\n\nChannel 0: You can't\n\nChannel 1: terminal problem.\n\nChannel 0: you you can call me, but you can't take money out. So you can still call me, but I can't\n\nChannel 1: Obviously.\n\nChannel 0: I can't get any money out. I\n\nChannel 1: But\n\nChannel 0: can just\n\nChannel 1: I feel I I\n\nChannel 0: oh,\n\nChannel 1: am\n\nChannel 0: yeah. Yes.\n\nChannel 1: I'm getting the point now that I feel if if I'm 60 and I really need money, I\n\nChannel 0: Yes.\n\nChannel 1: can I can call you guys and and ask\n\nChannel 0: Yes.\n\nChannel 1: for a withdrawal or something? That's good.\n\nChannel 0: Correct. That's\n\nChannel 1: That's\n\nChannel 0: you can.\n\nChannel 1: good.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Because I\n\nChannel 0: And we\n\nChannel 1: I heard\n\nChannel 0: Yeah.\n\nChannel 1: some others that, no, you cannot really access unless you you retire, like, fully\n\nChannel 0: Yeah.\n\nChannel 1: retire.\n\nChannel 0: No.\n\nChannel 1: But he said no. But what if you get sick or something?\n\nChannel 0: Correct. Now that that and and what's that strategy transition? It's designed for people who still wants to work, But let's say you wanna work part time. Let's\n\nChannel 1: Yeah.\n\nChannel 0: say\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: it.\n\nChannel 0: just\n\nChannel 1: Okay.\n\nChannel 0: wanna\n\nChannel 1: Please.\n\nChannel 0: work a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: That's when this come in handy because what some people do, it's like, let's say you need your income for covering bills and expenses. Let's\n\nChannel 1: Mhmm.\n\nChannel 0: say you need 80,000, but let's say you work part time\n\nChannel 1: Mhmm.\n\nChannel 0: and that your income is 60,000, but you need extra. So what we can then do is we could draw that 19,000 from super, for example, with your income of, let's say, 60, and that gets you very close to that 80. So there's, like, a lot of different things we can do. And and it is a very good thing that that exists because it can mean that you can you can take it out as a a lump sum or, like, a regular income. So whether you wanna div it up in a in a weekly basis or fortnightly basis or once a month withdrawal\n\nChannel 1: Once\n\nChannel 0: or\n\nChannel 1: you're\n\nChannel 0: whether\n\nChannel 1: 60,\n\nChannel 0: you go\n\nChannel 1: yes,\n\nChannel 0: once you turn 60. Yes.\n\nChannel 1: regardless if you're still working or not working. Correct?\n\nChannel 0: Only if you're working. If you call me when you turn 60 and you go, I have retired. I'm no longer working. You can take everything. You can take the whole lot.\n\nLump sum. Yes. Or income, you can choose.\n\nChannel 1: Yeah. Or you can make it\n\nChannel 0: But\n\nChannel 1: monthly.\n\nChannel 0: it correct. But there's no limitation on how much you can take as long as you are not working. So there's\n\nChannel 1: Okay.\n\nChannel 0: a lot we can do here. So\n\nChannel 1: But\n\nChannel 0: when\n\nChannel 1: if\n\nChannel 0: you're\n\nChannel 1: you're\n\nChannel 0: trying to\n\nChannel 1: working,\n\nChannel 0: fix the\n\nChannel 1: you can\n\nChannel 0: mhmm.\n\nChannel 1: always ask for that help. It's like the help thing, the one that we were talking about, the ten percent one. Correct?\n\nChannel 0: Correct. You can\n\nChannel 1: Yeah.\n\nChannel 0: you can\n\nChannel 1: Even\n\nChannel 0: if you're\n\nChannel 1: if you're\n\nChannel 0: if you're\n\nChannel 1: working.\n\nChannel 0: working, you can take up to 10% per\n\nChannel 1: Less\n\nChannel 0: year\n\nChannel 1: than 10\n\nChannel 0: on\n\nChannel 1: percent. Beautiful. At\n\nChannel 0: Correct.\n\nChannel 1: least I know.\n\nChannel 0: So\n\nChannel 1: I think yeah. That's good.\n\nChannel 0: yeah. Yeah. And if anything changes, you know, when you do 10:60, if if you need anything, just let us know because there we can have a look at all of that for you.\n\nChannel 1: Beautiful. Thank you so\n\nChannel 0: Yeah.\n\nChannel 1: much.\n\nChannel 0: No. That's okay. Now do you have any other questions before I move on to the next document?\n\nChannel 1: Okay. Be warned, my dear.\n\nChannel 0: Yeah. Now if you can press next for me. I think it should say next document.\n\nChannel 1: Hold on. Next document. Okay.\n\nChannel 0: Yes.\n\nChannel 1: Oh, they're very small. I don't have glasses on.\n\nChannel 0: No. That's okay. You can always go back and have a look at this after.\n\nChannel 1: No worries. I I cannot,\n\nChannel 0: Yep.\n\nChannel 1: you know, like, making it big.\n\nChannel 0: Yeah. Now\n\nChannel 1: Okay. Where\n\nChannel 0: you\n\nChannel 1: where\n\nChannel 0: will\n\nChannel 1: are we?\n\nChannel 0: yep. So you will have two documents, this one, and then\n\nChannel 1: Mhmm.\n\nChannel 0: the next one should be a similar one. It's just different time. So the first one should be twelve months. The next one is three months. Basically,\n\nChannel 1: Mhmm.\n\nChannel 0: what it is, it shows you all your investments, how they have performed, and what's the return on your investments over the twelve month period and the three month period.\n\nChannel 1: Ah, okay.\n\nChannel 0: Now the reason we I have done twelve and three is to show you a bit more of those markets, what's happening in the market. So over the last twelve months, you probably have heard on the news and seen there's been quite a bit of turbulence in the market. So, obviously, everything that has happened in The US, obviously, with Trump and tariffs and everything, did see a bit of fluctuation in the market in the\n\nChannel 1: Yep.\n\nChannel 0: stock market. And more recently, with the war as well,\n\nChannel 1: Yeah.\n\nChannel 0: has seen a bit of fluctuation. So it's been quite a quite a turbulent twelve months. So\n\nChannel 1: Mhmm.\n\nChannel 0: when we are looking at a twelve month period, most of your investments have done pretty good, but there was one investment that was underperforming. Now\n\nChannel 1: Which one?\n\nChannel 0: do it was your Benelong Australian Equity. That one was down.\n\nChannel 1: The Australian one.\n\nChannel 0: Australia. Yes. Now do you remember receiving an email from us? It wasn't anything you had to sign, but do you remember receiving an email on the March 16?\n\nChannel 1: Anything before July July 9? What are we\n\nChannel 0: That's\n\nChannel 1: today?\n\nChannel 0: fine.\n\nChannel 1: July 8?\n\nChannel 0: Yes.\n\nChannel 1: July 8?\n\nChannel 0: That's okay. It wasn't\n\nChannel 1: Can you hear\n\nChannel 0: anything\n\nChannel 1: me?\n\nChannel 0: it wasn't anything you had to sign, but what that email was and you're welcome to go back and have a look later. What that email was, it was from from the directors and the investment committee because we obviously do investment research all the time on your investment. And we wanna be proactive that if there is an investment that is underperforming and not performing as good as we would like or there is something happening structurally with the investment, we want to be proactive and look at changing that for a better option.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense? Yeah.\n\nChannel 1: Yes. Yes. I was about to say you you changed it. Of course. It's\n\nChannel 0: Exactly.\n\nChannel 1: not for a long time.\n\nChannel 0: Correct. So that is what that email was on the March 16 to say that we changed the investment that was underperforming, which was then along. And instead, we swapped it for another Australian investment because we wanna give you diversification, but swapping for one that has performed better. So what we swapped it for, it was another Australian investment. It's very diversified because it invested 200 companies.\n\nSo super, super diversified. It was cheaper than your old Benelon investment, and it has performed better. So that's what that, yeah, so that's what that email was on the March 16. So\n\nChannel 1: So\n\nChannel 0: before\n\nChannel 1: have you\n\nChannel 0: we\n\nChannel 1: changed\n\nChannel 0: make\n\nChannel 1: it? What what is it?\n\nChannel 0: we have changed it. Yes. So that happened\n\nChannel 1: No. Too too much now.\n\nChannel 0: so from Benelong to BetaShares Australia two hundred.\n\nChannel 1: Yeah. Because I'm looking at the asset type.\n\nChannel 0: Mhmm.\n\nChannel 1: Which\n\nChannel 0: Yes.\n\nChannel 1: one?\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: So,\n\nChannel 1: checked.\n\nChannel 0: yes, so can you see where it's the heading where it says Australian equities?\n\nChannel 1: I'm I'm I'm under income receivables in asset. I'm I'm in that part. Am I\n\nChannel 0: Okay.\n\nChannel 1: so far?\n\nChannel 0: Looking keep looking down a little bit. After income receivable,\n\nChannel 1: No.\n\nChannel 0: do you see alternative investments? A little bit further down on the paper.\n\nChannel 1: Under the asset performance detail.\n\nChannel 0: Yes.\n\nChannel 1: No. Next document.\n\nChannel 0: And you said no. On this one. On the same one.\n\nChannel 1: Oh, on\n\nChannel 0: So\n\nChannel 1: this page,\n\nChannel 0: on this\n\nChannel 1: I didn't\n\nChannel 0: one. Yes.\n\nChannel 1: all assets held. It's it's\n\nChannel 0: Asset.\n\nChannel 1: assets requirements detail.\n\nChannel 0: Yes. Correct. Now on the asset performance detail, underneath it, does it say a time frame? Does it say all assets held? And then does it have a time?\n\nLike, it says, like, July 7?\n\nChannel 1: Yeah. Seventh\n\nChannel 0: Yes?\n\nChannel 1: of July to sixth of 2025 to to sixth\n\nChannel 0: Correct.\n\nChannel 1: of July 20\n\nChannel 0: Yes.\n\nChannel 1: '26.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now keep looking down. Do you have where it says assets? A little bit further down.\n\nChannel 1: What does it say?\n\nChannel 0: Asset, just straight under. So you have different columns, and it's the first column. So all the way to the left, you should have cash. Can you see where it says cash?\n\nChannel 1: No. It it doesn't doesn't give me anything anymore. Just the next document.\n\nChannel 0: So when you're in the asset performance detail,\n\nChannel 1: Yeah. It's\n\nChannel 0: is\n\nChannel 1: all the\n\nChannel 0: it\n\nChannel 1: paragraph\n\nChannel 0: blank?\n\nChannel 1: thing, like, all\n\nChannel 0: Yes.\n\nChannel 1: paragraph. Yeah.\n\nChannel 0: Correct. All the paragraphs. So that's where I'm looking. So all the paragraphs.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now yes. So on this document,\n\nChannel 1: Mhmm.\n\nChannel 0: you can see underneath where it says all assets held 07/07/2025\n\nChannel 1: Yeah.\n\nChannel 0: to 07/06/2026. You know how you saw that? On under that, can you see where it says there's headings saying assets, code, open value, purchases.\n\nChannel 1: No. I didn't have\n\nChannel 0: No.\n\nChannel 1: that.\n\nChannel 0: What can you see?\n\nChannel 1: I see you.\n\nChannel 0: Sure.\n\nChannel 1: Okay. Okay. If I scroll it down,\n\nChannel 0: Yes.\n\nChannel 1: nothing. It just say, when it's the nothing, the network's super accelerator for for personal profile about it, and it won't give me anything anymore. Otherwise, it's the next document.\n\nChannel 0: Okay. Try the next one for me. And what\n\nChannel 1: Next\n\nChannel 0: does that\n\nChannel 1: document?\n\nChannel 0: say? Yes.\n\nChannel 1: Okay. The chart? Vanguard index 12.\n\nChannel 0: And it okay. So with the Vanguard index chart, that one we'll come back to their performance because you should have another one later. But\n\nChannel 1: The\n\nChannel 0: the one\n\nChannel 1: glass\n\nChannel 0: that you\n\nChannel 1: makes\n\nChannel 0: can\n\nChannel 1: your gives you headache.\n\nChannel 0: now I will explain what it is a little bit simply for you. What it is, when we are looking at you can see all the different lines,\n\nChannel 1: Yep.\n\nChannel 0: all the different yep. Sorry.\n\nChannel 1: Yeah. Up\n\nChannel 0: What\n\nChannel 1: and\n\nChannel 0: that\n\nChannel 1: down.\n\nChannel 0: correct. So what that is, it is the different asset\n\nChannel 1: Mhmm.\n\nChannel 0: classes, how you can be invested. And the period of time, it shows you from 1995 through to 2025. And this is the movement of each investment. So you can see here that things do fluctuate up and down and up and down.\n\nChannel 1: It's\n\nChannel 0: But\n\nChannel 1: a shame. You cannot make it big.\n\nChannel 0: yeah. Now\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: already\n\nChannel 0: can\n\nChannel 1: have\n\nChannel 0: go\n\nChannel 1: my glasses on, but I'm trying\n\nChannel 0: and then\n\nChannel 1: to make it big, but I can't.\n\nChannel 0: after the call, you can go and download these and have a look at it on the computer as well if you would like. It's all there for you. So even if you later go if you have a computer or an iPad or anything, you can go back into your emails and\n\nChannel 1: Last\n\nChannel 0: you\n\nChannel 1: time,\n\nChannel 0: can\n\nChannel 1: I think it was last year, they sent me a\n\nChannel 0: mhmm.\n\nChannel 1: a a all of that one that we're talking about like this, black and white. I mean, you know, in a mail. They\n\nChannel 0: Mhmm.\n\nChannel 1: send me yearly. Yeah.\n\nChannel 0: Yeah. I I do would you want all the documents sent to you in an email after the call? Would that be helpful?\n\nChannel 1: Yeah. It's\n\nChannel 0: Yeah?\n\nChannel 1: possible.\n\nChannel 0: Okay. Yeah. Of course it is. Yes.\n\nChannel 1: Okay. So\n\nChannel 0: I will\n\nChannel 1: next\n\nChannel 0: get\n\nChannel 1: document.\n\nChannel 0: yeah. Sorry. Sorry. This one here, even though you can't really see it, it it talks about the different fluctuations,\n\nChannel 1: Yeah. Different colors.\n\nChannel 0: different colors. So when we are talking about how your money is invested, it is making sure that you have enough time in the market and you are comfortable with it. So how you are currently invested in your growth portfolio, it will mean that so the top four lines is your growth investments. So there's, like, a green two green lines, one light\n\nChannel 1: Indeed.\n\nChannel 0: green, one dark green, a yellow, and a red. Now these are the ones that you can kind of see, hopefully, that they grow the most. So that has done the most amount of growth since 1995. So that will give you way more money but also fluctuates a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: So in your current portfolio, we have about 80% combined in these four top ones. So that is focusing on growing your superannuation. You then have 20% in those three bottom. So the blue, the gray, and the red. And you can hopefully see that they are a little bit more smooth.\n\nThey grow a little bit nowhere near as much, but they don't fluctuate as much either. Does that kind of make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Yep. So that is how everything is, Yeah. Now that is how everything is kind of invested for you at the moment. And are you happy kind of with the level of fluctuation and risk and everything in your growth portfolio for now?\n\nYep. Perfect. Now\n\nChannel 1: Yeah.\n\nChannel 0: when you\n\nChannel 1: I'm\n\nChannel 0: do\n\nChannel 1: I'm\n\nChannel 0: get\n\nChannel 1: easy.\n\nChannel 0: close yeah.\n\nChannel 1: I'm not a risk taker, you know?\n\nChannel 0: Yeah. And so\n\nChannel 1: Yeah.\n\nChannel 0: you are kind of kind of in the middle where you are focusing on growing your\n\nChannel 1: Yeah.\n\nChannel 0: super,\n\nChannel 1: Of course. Yeah.\n\nChannel 0: but you're not in, like, your high growth or aggressive.\n\nChannel 1: Yeah.\n\nChannel 0: Now when you get closer to retirement, so when you get to about maybe five years or so for when you go, oh, no. Okay. I'm I'm close to wanting to retire.\n\nChannel 1: Mhmm.\n\nChannel 0: We can then each year, we can look at so so, potentially, next year for you as you then turn 60 And if you are planning on retiring completely around that 65, it gives us roughly that five year mark. Next year, we might look at gradually reducing that risk as closer and closer you get to retirement because then you have less time in the market. Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: All good.\n\nChannel 0: Now\n\nChannel 1: Yes.\n\nChannel 0: if you press next for me, what can you see?\n\nChannel 1: Mail?\n\nChannel 0: Yes. So this one\n\nChannel 1: Certificate\n\nChannel 0: here, you\n\nChannel 1: of guarantee?\n\nChannel 0: yes. Correct. You don't have to look at it too closely because what it is is your is your life insurance. So it's the one it's the one we talked about earlier. It just shows you that everything is paid and up to date for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now what's the next one?\n\nChannel 1: Plan details. This is the right there. Payment details and everything. Next document?\n\nChannel 0: Yes. Next document.\n\nChannel 1: Okay. Off your services.\n\nChannel 0: Yes. So you probably have seen this one before. It does give you all the important information in regards to us here at Oakview Financial. None none of the important information has changed, but we've had a bit of an up updates to our marketing and also a bit of an extension to the team. So after you have a look at this one and, again, I will get the team to email you all the documents so that you have them\n\nChannel 1: Yep.\n\nChannel 0: to make it easier. You can have a read over it, and everything about our overview is in there. But if you want to put a face to the voice, seeing who you're actually talking with, if you scroll down to page 10, you should see a little photo of myself there.\n\nChannel 1: Oh, okay. That is what\n\nChannel 0: Yeah.\n\nChannel 1: I'm looking for. I can\n\nChannel 0: Yeah.\n\nChannel 1: see Zata, which\n\nChannel 0: Yep.\n\nChannel 1: he was the first one who talked to me and introduced.\n\nChannel 0: Yes. Yep. He's\n\nChannel 1: We\n\nChannel 0: a\n\nChannel 1: have\n\nChannel 0: director.\n\nChannel 1: Rodent and\n\nChannel 0: Mhmm.\n\nChannel 1: Elisa, Jenna. Jessica.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: The sexy one.\n\nChannel 0: There I am. Sorry. Because\n\nChannel 1: Ah,\n\nChannel 0: we\n\nChannel 1: that's\n\nChannel 0: obviously\n\nChannel 1: good.\n\nChannel 0: talk over the phone, sometimes\n\nChannel 1: Now at\n\nChannel 0: it's\n\nChannel 1: least\n\nChannel 0: nice.\n\nChannel 1: I can imagine your face while\n\nChannel 0: Exactly.\n\nChannel 1: talking. You know?\n\nChannel 0: Exactly.\n\nChannel 1: Do you know that this is very important as well?\n\nChannel 0: Oh, yes. Definitely. You know?\n\nChannel 1: Yeah.\n\nChannel 0: And it's like, you know, that's yeah. It's it's a person here and yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You can see who you're talking\n\nChannel 1: You look\n\nChannel 0: to.\n\nChannel 1: like a tennis player.\n\nChannel 0: Oh, really? I'm not\n\nChannel 1: You\n\nChannel 0: very\n\nChannel 1: look\n\nChannel 0: good\n\nChannel 1: like\n\nChannel 0: at tennis.\n\nChannel 1: Koftchuk. You're watching tennis? You look like Koftchuk.\n\nChannel 0: Oh, really?\n\nChannel 1: She's pretty. Yeah.\n\nChannel 0: I\n\nChannel 1: It's pretty.\n\nChannel 0: wish\n\nChannel 1: You're pretty. You're pretty.\n\nChannel 0: oh, thank you. I wish I could play tennis, but I can't. Not very good. I'm better at soccer.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Now, Francis, if you wanna press next for me, what can you see now?\n\nChannel 1: Another beautiful hold on. Consent.\n\nChannel 0: Yeah. Okay. So what this is is your ongoing service agreement. Now this would have been the case every annual review, and it is something that you have to obviously agree to. So what it is, it is to say that you are happy to stay on as a client.\n\nNow there is no changes in regards to the fee structure. It stays exactly the same as it has been at 1.65% from super. So we haven't increased the prices or anything. It stays exactly the same. Now with the ongoing service agreement as well, it is not a lock in contract.\n\nSo if at any point in time, you are not happy with the service or when you turn 60, you go, no. I wanna take all my money and do whatever you want.\n\nChannel 1: And\n\nChannel 0: There's\n\nChannel 1: goodbye.\n\nChannel 0: no exactly.\n\nChannel 1: Say goodbye.\n\nChannel 0: There is exactly. There is no locking contract.\n\nChannel 1: Okay.\n\nChannel 0: Now every twelve months, you have to agree to stay on for the next twelve months, but it does not mean you have to you're locked in to twelve months. Because how the fee structure work is that it's just deducted on a monthly basis for you. So it gives you the flexibility, but then also with market movements, it just makes the fees a little bit more fair to you. But by signing this document here because at the end, it should ask for your signature. And\n\nChannel 1: No.\n\nChannel 0: no.\n\nChannel 1: I gotta sign my life now?\n\nChannel 0: It's not your life. I promise. It will it just mean by signing it, if you are comfortable with it, only if you're comfortable with it. What it means, it allows us to keep servicing your account, keep managing your investments, and looking after everything for you until you retire.\n\nChannel 1: Amen.\n\nChannel 0: Yes. But like\n\nChannel 1: Amen\n\nChannel 0: I said,\n\nChannel 1: to\n\nChannel 0: any\n\nChannel 1: that.\n\nChannel 0: point in time, you need you when you turn 60 and if you if you need the money, you'd you just let me know.\n\nChannel 1: Oh, thank you for\n\nChannel 0: No.\n\nChannel 1: that. Because that's what I was really thinking, you know, because my sister is always doing that to her. And I\n\nChannel 0: Yes.\n\nChannel 1: said, but I can. And I I'm not sure if I'm 60, and I don't know if I'm still, you know, alive and kicking.\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: sometime\n\nChannel 0: and that's\n\nChannel 1: in\n\nChannel 0: the\n\nChannel 1: your\n\nChannel 0: thing.\n\nChannel 1: life, you need something and you can\n\nChannel 0: Exactly.\n\nChannel 1: just relax for a while.\n\nChannel 0: Exactly. And\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: I'm good.\n\nChannel 0: why we're here to help you through as well because the the closer you get to retirement, there will be more things, and it can get a bit more complex. And then\n\nChannel 1: Because,\n\nChannel 0: later\n\nChannel 1: you know, we're older. Yeah?\n\nChannel 0: yes. Exactly. But then, also, the the system becomes a bit more tricky as well. So at 67, that's then when age pension and that is, you know, if you do need help, we can kind of help different strategies with with age pension and assist with, you know, different with time and advice as well. So we kind\n\nChannel 1: Yep.\n\nChannel 0: of do everything.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. Now if you are happy\n\nChannel 1: Is\n\nChannel 0: to add the signature,\n\nChannel 1: it\n\nChannel 0: there should be then one more.\n\nChannel 1: how how am I gonna need to you want me to sign now?\n\nChannel 0: If you are happy to do so.\n\nChannel 1: I don't have to put my name down because there's my name already there. So\n\nChannel 0: Yep.\n\nChannel 1: I I\n\nChannel 0: Yes.\n\nChannel 1: click on the on the box. Okay. You signed it already. Sign me oh, this one is\n\nChannel 0: Technology.\n\nChannel 1: oh, my god.\n\nChannel 0: It should be because maybe you've used the assigned before. So sometimes it pre because it's connected to your email address and everything. So it could be if you've pre signed before, sometimes you just need to click on it, and it automatically adds your name, or sometimes you have to draw it\n\nChannel 1: Because\n\nChannel 0: every\n\nChannel 1: my\n\nChannel 0: time.\n\nChannel 1: my in in the sign box, there's already my name.\n\nChannel 0: Yes. So underneath it, does it say a little signature box, or does it ask you to sign?\n\nChannel 1: By signing, I agree that they chosen.\n\nChannel 0: Mhmm.\n\nChannel 1: Is that sign? Just just press the word sign or sign all?\n\nChannel 0: If you do sign all, it will then it's only two documents. It's this one. And there should be one more, and that is just a compliance form to say we are keeping your tax file number secure and safe on file, and that's it.\n\nChannel 1: So which one I I have to press sign all or sign?\n\nChannel 0: Try sign all for me.\n\nChannel 1: Okay. Okay.\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: does\n\nChannel 1: did\n\nChannel 0: it add yep. And what does it say now?\n\nChannel 1: it's in the signature part. There's my my thing my my pseudo pseudo name there already.\n\nChannel 0: Yep. Perfect. And did it add a date as well?\n\nChannel 1: The date?\n\nChannel 0: Yep. Did it add the date automatically, or does it ask you to\n\nChannel 1: No.\n\nChannel 0: type\n\nChannel 1: I\n\nChannel 0: it?\n\nChannel 1: I pressed it and it it it does the it when I press it, it it shows the date now.\n\nChannel 0: Oh, beautiful. Can you click is there a box to say validate or next?\n\nChannel 1: Next.\n\nChannel 0: Next, if you press next for me.\n\nChannel 1: Yep. I did.\n\nChannel 0: Yep. And what does it say now?\n\nChannel 1: And nothing. It it went back to the it it was just the member full name. It shows my name there.\n\nChannel 0: Does it ask you to\n\nChannel 1: Type\n\nChannel 0: type it?\n\nChannel 1: it's typed.\n\nChannel 0: Yeah. Okay. Could could you type it for me?\n\nChannel 1: It's already\n\nChannel 0: Okay.\n\nChannel 1: there. The member full name part box, they're this\n\nChannel 0: Yep.\n\nChannel 1: already in my name being\n\nChannel 0: Yep.\n\nChannel 1: typed.\n\nChannel 0: Okay. So that's all correct? Yep.\n\nChannel 1: And then the signature, I know it was in my handwritten, but it's okay. My handwriting.\n\nChannel 0: Yep. Okay. Yeah. No. That's fine.\n\nAnd then can you press\n\nChannel 1: The date.\n\nChannel 0: validate on next now?\n\nChannel 1: Next.\n\nChannel 0: Yes. Okay.\n\nChannel 1: Okay. I'm under asset performance detail. Why is this?\n\nChannel 0: It shouldn't ask you to sign that one. Can you press next?\n\nChannel 1: Next. Option to provide tax card number.\n\nChannel 0: Yes. Yep. So this one here should ask you for another signature,\n\nChannel 1: Uh-huh.\n\nChannel 0: and it is just that compliance form to say we are keeping your tax fund number secure and safe on file.\n\nChannel 1: Mhmm.\n\nChannel 0: So it should be the same where it's just a little signature box.\n\nChannel 1: Signature. Signature. Yeah. Okay. So I'll just\n\nChannel 0: Yep.\n\nChannel 1: click it.\n\nChannel 0: Yes, please.\n\nChannel 1: Yeah. And automatically no. My name is\n\nChannel 0: Yep.\n\nChannel 1: there. So funny.\n\nChannel 0: Yep.\n\nChannel 1: And the date. Okay.\n\nChannel 0: Yes.\n\nChannel 1: Validate.\n\nChannel 0: Validate. Yes. Perfect.\n\nChannel 1: Okay. I think we're almost at the end.\n\nChannel 0: Yes. When when we are. And I will let you get on with your with your day. Now when it says validate, it should load. It should be like a little\n\nChannel 1: Yeah. It's still loading.\n\nChannel 0: cogwheel. Yeah. So with it will then automatically send it back to myself,\n\nChannel 1: Okay.\n\nChannel 0: and I can upload and get all of that sorted for you. Now\n\nChannel 1: Yes.\n\nChannel 0: like I said, I will also let my team know to email you a copy of all the documents\n\nChannel 1: Okay.\n\nChannel 0: so that\n\nChannel 1: It\n\nChannel 0: you\n\nChannel 1: says\n\nChannel 0: can\n\nChannel 1: it's\n\nChannel 0: go\n\nChannel 1: signed.\n\nChannel 0: yeah. Okay. Perfect.\n\nChannel 1: You will you\n\nChannel 0: I'll\n\nChannel 1: will get the\n\nChannel 0: right.\n\nChannel 1: signed document by email?\n\nChannel 0: Yeah. I\n\nChannel 1: Mhmm.\n\nChannel 0: have already got it just now. So that\n\nChannel 1: Okay.\n\nChannel 0: is perfect.\n\nChannel 1: Beautiful.\n\nChannel 0: Yeah. So that is all good. Well done. Sometimes it's\n\nChannel 1: Oh,\n\nChannel 0: tricky with\n\nChannel 1: I\n\nChannel 0: this\n\nChannel 1: passed.\n\nChannel 0: technology.\n\nChannel 1: I passed.\n\nChannel 0: Yeah. You did good.\n\nChannel 1: We're trying to go work.\n\nChannel 0: Now, Frances, like I said, I will get my team, Whitlam, to email you a copy of all these documents\n\nChannel 1: Yes, please.\n\nChannel 0: so you have them. If you have any questions in regards to them later, just let me know. Just send me an email or call the office. And like I said as well, when you do 10:60, if you need access to some money, let me know. Or even\n\nChannel 1: Why\n\nChannel 0: when\n\nChannel 1: you keep on reminding me when I turn 60?\n\nChannel 0: just gonna help you. Or if or if you, you know, everything's going well, you keep working and you don't need it and you wanna keep having\n\nChannel 1: Yeah.\n\nChannel 0: it invested until 65, then the next under review so next year, when when we speak and go through everything, we can then reassess as well of where everything's at for you.\n\nChannel 1: Is\n\nChannel 0: And\n\nChannel 1: that\n\nChannel 0: if\n\nChannel 1: tax\n\nChannel 0: we wanna\n\nChannel 1: free?\n\nChannel 0: start what's\n\nChannel 1: Slow\n\nChannel 0: that?\n\nChannel 1: it\n\nChannel 0: Sorry.\n\nChannel 1: down.\n\nChannel 0: No.\n\nChannel 1: Is\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: okay.\n\nChannel 1: tax free? If you\n\nChannel 0: The the money?\n\nChannel 1: yeah. If you ask, you know, the help that I was saying. Is that tax free, the 10%?\n\nChannel 0: Yes. When you are over 60.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. It is.\n\nChannel 1: 60 or over.\n\nChannel 0: 60 or over,\n\nChannel 1: Nine.\n\nChannel 0: it's\n\nChannel 1: Yeah.\n\nChannel 0: tax free. Yes.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yep. So that makes a pretty big difference as well. But if it comes to it, just let me know because then we can do advice and strategies for you on how that would look like and if we need to change anything with your super or or anything like it. And I'll put a little note here as well to say that next year, we might look at start gradually reducing that risk exposure for you unless you are feeling amazing and you go, you know what? I wanna work till I'm 70.\n\nThen we can, you know, we can reassess things for\n\nChannel 1: I need a light. You know?\n\nChannel 0: you. Yeah. Yes.\n\nChannel 1: Who's\n\nChannel 0: You you've\n\nChannel 1: 70?\n\nChannel 0: worked hard and and now now it's time to enjoy retirement.\n\nChannel 1: Yeah. Can you still\n\nChannel 0: Yeah.\n\nChannel 1: walk and travel if you're 70? No. Please.\n\nChannel 0: Hopefully,\n\nChannel 1: Yeah.\n\nChannel 0: depending\n\nChannel 1: Hopefully,\n\nChannel 0: on on how\n\nChannel 1: of course. Yeah.\n\nChannel 0: but hopefully. Yeah.\n\nChannel 1: Yeah. Enjoy life.\n\nChannel 0: So, yeah, now, Frances, I know you're busy, so I will let you let you go. But do you have any other questions for me at this point otherwise?\n\nChannel 1: Just a request. So can you send me some to me your direct number and offer you,\n\nChannel 0: Yes.\n\nChannel 1: please?\n\nChannel 0: Yep. So just text it to you?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yes. Yep. Perfect. I can get I'll get Whitlam again to resend you a text message, and that has a a phone number. And I'll get him to text my personal email as well, if\n\nChannel 1: Oh, yes,\n\nChannel 0: it is\n\nChannel 1: please.\n\nChannel 0: needs anything.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Now I see your beautiful face. Yeah. I won't forget.\n\nChannel 0: You can\n\nChannel 1: I\n\nChannel 0: email\n\nChannel 1: don't\n\nChannel 0: me.\n\nChannel 1: mind emailing you. I I know you\n\nChannel 0: Yeah.\n\nChannel 1: already\n\nChannel 0: Exactly. So you can just email email me directly.\n\nChannel 1: sure.\n\nChannel 0: That is no problem at all.\n\nChannel 1: Oh, that's very good. Thank\n\nChannel 0: Yep.\n\nChannel 1: you so much.\n\nChannel 0: No problem at all. Well, thank you so much for your\n\nChannel 1: I paid\n\nChannel 0: time\n\nChannel 1: a\n\nChannel 0: and\n\nChannel 1: lot\n\nChannel 0: patience\n\nChannel 1: in\n\nChannel 0: today.\n\nChannel 1: for the last few years, it's always yeah. That one is more up close and personal, which is good.\n\nChannel 0: Yes. Yeah. Oh, that's good. I'm glad. I know it took\n\nChannel 1: Yeah.\n\nChannel 0: a little\n\nChannel 1: Yeah.\n\nChannel 0: bit longer.\n\nChannel 1: Because\n\nChannel 0: A little\n\nChannel 1: I\n\nChannel 0: bit longer.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've been talking to different ones and,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it's almost more on the details on the performance and everything. But\n\nChannel 0: Yeah.\n\nChannel 1: this time, it's a I think it's different and it's a woman to woman, you know.\n\nChannel 0: I think so too. I like it. But, yes, anything you need at any point in time, you you just call me. Okay?\n\nChannel 1: Oh, thank you. Thank you so much, doll.\n\nChannel 0: No\n\nChannel 1: Thank\n\nChannel 0: problem\n\nChannel 1: you for\n\nChannel 0: at\n\nChannel 1: your\n\nChannel 0: all.\n\nChannel 1: time and everything.\n\nChannel 0: No worries. No worries. We'll speak soon, and you enjoy the rest of your afternoon.\n\nChannel 1: Okay, doll. Thank you so much.\n\nChannel 0: Alright.\n\nChannel 1: Good\n\nChannel 0: No worries.\n\nChannel 1: good night. Good day.\n\nChannel 0: Speak soon. Bye.\n\nChannel 1: Bye, my dear. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.052869588136672974}],"sentiment":"neutral","sentiment_score":0.052869588136672974,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Good afternoon.","start":3.36,"end":4.24,"sentiment":"positive","sentiment_score":0.3432776927947998},{"text":"This is Veronica from Oktoof Financial.","start":4.24,"end":6.24,"sentiment":"neutral","sentiment_score":0.2981632128357887},{"text":"How are 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They discuss their retirement plans and retirement date, as well as their investment strategy. The speaker explains retirement plans and how it can be used to draw money out of retirement savings. They also provide guidance on signing annual reviews and updating retirement portfolios. The customer is advised to sign and add their name to the system until retirement. The speaker emphasizes the importance of staying on as a client and offers assistance with signing and reviewing compliance forms."},"intents":{"segments":[{"text":"I had you booked in for your annual review. Is now still a good time? Yeah. Okay. It's okay. It won't take long. Yeah. It probably takes about a half an hour or so. Do you have that time, or would you prefer to reschedule if now is a bit busy for you? Okay.","start_word":42,"end_word":95,"intents":[{"intent":"Inquire about time availability","confidence_score":0.0055397586}]},{"text":"It probably takes about a half an hour or so. 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So, basically, there's a limit on how much they allow you to put in each year.","start_word":2057,"end_word":2125,"intents":[{"intent":"Update salary sacrifice limit","confidence_score":0.0018245311}]},{"text":"And and it is a very good thing that that exists because it can mean that you can you can take it out as a a lump sum or, like, a regular income.","start_word":3087,"end_word":3119,"intents":[{"intent":"Explain benefits of taking out income","confidence_score":0.000095816125}]},{"text":"So over the last twelve months, you probably have heard on the news and seen there's been quite a bit of turbulence in the market. So, obviously, everything that has happened in The US, obviously, with Trump and tariffs and everything, did see a bit of fluctuation in the market in the Yep. stock market.","start_word":3541,"end_word":3595,"intents":[{"intent":"Investigate market fluctuations","confidence_score":0.00093988446}]},{"text":"And we wanna be proactive that if there is an investment that is underperforming and not performing as good as we would like or there is something happening structurally with the investment, we want to be proactive and look at changing that for a better option. Yeah.","start_word":3769,"end_word":3815,"intents":[{"intent":"Change investment","confidence_score":0.110916525}]},{"text":"Because I'm looking at the asset type. Mhmm.","start_word":3975,"end_word":3982,"intents":[{"intent":"Assess asset performance","confidence_score":0.001564564}]},{"text":"So with the Vanguard index chart, that one we'll come back to their performance because you should have another one later. But The the one glass that you makes can your gives you headache.","start_word":4363,"end_word":4396,"intents":[{"intent":"Resolve asset class issue","confidence_score":0.00071171625}]},{"text":"So how you are currently invested in your growth portfolio, it will mean that so the top four lines is your growth investments. So there's, like, a green two green lines, one light Indeed. green, one dark green, a yellow, and a red. Now these are the ones that you can kind of see, hopefully, that they grow the most.","start_word":4714,"end_word":4773,"intents":[{"intent":"Research portfolio growth","confidence_score":0.00041019655}]},{"text":"Now that is how everything is kind of invested for you at the moment. And are you happy kind of with the level of fluctuation and risk and everything in your growth portfolio for now? Yep.","start_word":4884,"end_word":4919,"intents":[{"intent":"Explaining investment strategy","confidence_score":0.0013715571}]},{"text":"We can then each year, we can look at so so, potentially, next year for you as you then turn 60 And if you are planning on retiring completely around that 65, it gives us roughly that five year mark. Next year, we might look at gradually reducing that risk as closer and closer you get to retirement because then you have less time in the market. Does that make Yes. sense?","start_word":5008,"end_word":5079,"intents":[{"intent":"Identifying potential retirement age","confidence_score":0.00063178863},{"intent":"Describing retirement plan","confidence_score":0.00023465407}]},{"text":"if you press next for me, what can you see? Mail?","start_word":5087,"end_word":5097,"intents":[{"intent":"Discussing next steps","confidence_score":0.005369108}]},{"text":"So this one Certificate here, you of guarantee? yes. Correct. You don't have to look at it too closely because what it is is your is your life insurance. So it's the one it's the one we talked about earlier. It just shows you that everything is paid and up to date for you. Okay.","start_word":5099,"end_word":5153,"intents":[{"intent":"Confirming document status","confidence_score":0.00008451567}]},{"text":"This is the right there. Payment details and everything. Next document?","start_word":5162,"end_word":5172,"intents":[{"intent":"Providing plan details","confidence_score":0.12937127}]},{"text":"So you probably have seen this one before. It does give you all the important information in regards to us here at Oakview Financial.","start_word":5181,"end_word":5204,"intents":[{"intent":"Giving information","confidence_score":0.0009625839}]},{"text":"None none of the important information has changed, but we've had a bit of an up updates to our marketing and also a bit of an extension to the team. So after you have a look at this one and, again, I will get the team to email you all the documents so that you have them Yep.","start_word":5206,"end_word":5263,"intents":[{"intent":"Update and email documents","confidence_score":0.03516577}]},{"text":"So after you have a look at this one and, again, I will get the team to email you all the documents so that you have them Yep.","start_word":5235,"end_word":5262,"intents":[{"intent":"Get team to email documents","confidence_score":0.0067739077}]},{"text":"So what it is, it is to say that you are happy to stay on as a client.","start_word":5539,"end_word":5556,"intents":[{"intent":"Stay on as client","confidence_score":0.13674842}]},{"text":"Now there is no changes in regards to the fee structure. It stays exactly the same as it has been at 1.65% from super. So we haven't increased the prices or anything. It stays exactly the same.","start_word":5557,"end_word":5593,"intents":[{"intent":"Check fee structure","confidence_score":0.0028217752}]},{"text":"But by signing this document here because at the end, it should ask for your signature. And No. no.","start_word":5729,"end_word":5747,"intents":[{"intent":"Sign document","confidence_score":0.7087403}]},{"text":"What it means, it allows us to keep servicing your account, keep managing your investments, and looking after everything for you until you retire. Amen.","start_word":5780,"end_word":5804,"intents":[{"intent":"Maintain service account","confidence_score":0.024622416}]},{"text":"But like Amen I said, to any that. point in time, you need you when you turn 60 and if you if you need the money, you'd you just let me know.","start_word":5806,"end_word":5837,"intents":[{"intent":"Understand retirement age","confidence_score":0.0018064749}]},{"text":"So we kind Yep.","start_word":6016,"end_word":6019,"intents":[{"intent":"Suggest action","confidence_score":0.00006152636}]},{"text":"Now if you are happy Is to add the signature, it there should be then one more.","start_word":6028,"end_word":6044,"intents":[{"intent":"Add signature","confidence_score":0.06147697}]},{"text":"Now if you are happy Is to add the signature, it there should be then one more. how how am I gonna need to you want me to sign now?","start_word":6028,"end_word":6057,"intents":[{"intent":"Confirm sign process","confidence_score":0.00006828683}]},{"text":"how how am I gonna need to you want me to sign now?","start_word":6045,"end_word":6057,"intents":[{"intent":"Request sign-in","confidence_score":0.00001390202}]},{"text":"And then the signature, I know it was in my handwritten, but it's okay. My handwriting. Yep.","start_word":6450,"end_word":6466,"intents":[{"intent":"Verify signatures/dates","confidence_score":0.000034475637}]},{"text":"Now when it says validate, it should load. It should be like a little Yeah.","start_word":6620,"end_word":6634,"intents":[{"intent":"Validate documents","confidence_score":0.058604866}]},{"text":"So that makes a pretty big difference as well. But if it comes to it, just let me know because then we can do advice and strategies for you on how that would look like and if we need to change anything with your super or or anything like it.","start_word":6965,"end_word":7014,"intents":[{"intent":"Provide advice","confidence_score":0.07523832}]},{"text":"And I'll put a little note here as well to say that next year, we might look at start gradually reducing that risk exposure for you unless you are feeling amazing and you go, you know what?","start_word":7015,"end_word":7051,"intents":[{"intent":"Reduce risk","confidence_score":0.16831249}]},{"text":"Who's You you've 70? worked hard and and now now it's time to enjoy retirement. Yeah.","start_word":7077,"end_word":7092,"intents":[{"intent":"Enjoy retirement","confidence_score":0.020639786}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Veronica from Oktoof Financial. How are you? Hello? Hello? Can you hear me?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.18109723925590515},{"text":"It's very low.","start_word":18,"end_word":20,"sentiment":"negative","sentiment_score":-0.4197385311126709},{"text":"Let me have a Where look. is it from? At OTU Financial? UpView? OTU Debt? Yes. Yes. Yes. Yes. It's Veronica. I had you booked in for your annual review. Is now still a good time? Yeah. Okay. It's okay. It won't take long. Yeah. It probably takes about a half an hour or so. Do you have that time, or would you prefer to reschedule if now is a bit busy for you? Okay. I'll just I'm gonna Okay. Sure. I'll I'll try to make it quick for you. try. So Yes, I'll try please. to make it as Who who quick am I speaking as I can. with? Veronica. Veronica. How are you? Yeah. Good. How are you? Not bad. I'm just doing a lot of household chores. That's okay. Like I said, I'll tryna make it quick for you. But before Yes, please. I jump into it, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Okay. No worries. Yes.","start_word":21,"end_word":195,"sentiment":"neutral","sentiment_score":0.04222699999809265},{"text":"Thank you.","start_word":196,"end_word":197,"sentiment":"positive","sentiment_score":0.3694332540035248},{"text":"And just to confirm I'm speaking with the correct person, just for security, could I get you to confirm full name, date of birth, and address, please? Okay. Francis Tomasi, twenty eighth of the fourth sixty seven, and it's Yep. Number 42 Ashley Drive, Mckenham, Victoria 3064. Yep.","start_word":198,"end_word":245,"sentiment":"neutral","sentiment_score":0.05858681723475456},{"text":"Perfect.","start_word":246,"end_word":246,"sentiment":"positive","sentiment_score":0.48299330472946167},{"text":"Now I will make it quick. So what I'll do first is I'll just quickly run through a fact find with you just to confirm if there is anything major that has changed in your life if we Mhmm. need to make any changes to your advice. I'm So bear still with pretty. me. You're still what? Sorry. I'm still pretty Yeah.","start_word":247,"end_word":308,"sentiment":"neutral","sentiment_score":0.03094121254980564},{"text":"That's good. like you.","start_word":309,"end_word":312,"sentiment":"positive","sentiment_score":0.4171326756477356},{"text":"I wish.","start_word":313,"end_word":314,"sentiment":"neutral","sentiment_score":0.28508174419403076},{"text":"Thanks.","start_word":315,"end_word":315,"sentiment":"positive","sentiment_score":0.4178730547428131},{"text":"Now, Frances, when it comes to your personal information, I have you down here as in that you are in a defacto relationship and you have three financial dependents. Is that correct? Aside from Defaq, what is the other one? And three kids. Yeah. Yes. Yeah. Yes. I got three kids. Yes. Three big ones. Yeah. Yep. Now I have here next up Kin. So if something were to happen to you, someone that you we can call if we can't get in touch with you as Mohammed. Is that Yes. still correct? Yep. Yes. Perfect. Has your occupation changed in the last twelve months? Are you still working as a machine operator? All the same? Yes. Yes. The same. Income, I have at about 80,000. That's still correct as well? Less overtime now, so probably 70 or something. That's About okay. 70? Yes. I see. Okay. Just to Perfect. make it that pace. Yeah. Perfect. Assets. So I have here you have a car, a motor vehicle, valued at about 21,000. Mhmm. Mhmm. And that you have a property back in The Philippines. You still have that one? Which one? A property in The Philippines? Yep. Yep. And last, it was valued at about 180,000 Australian dollars? I got a 180,000. Yes. No. Oh, which one No. was for the oh, what's that one? Savings or the Your property prop value? the property value. Yeah. 100 How 80. much? Yeah. About 180? Yeah. Yeah. And do you have a a mortgage or a loan or anything attached to that property? Yes. Yes. And do you know how much you have owing on it? Roughly. Roughly. Around 80,000. So the 80. Okay. Perfect. Now did you say you have savings in the bank here in Australia as well? Not much. No? No. That's okay. 5, How maybe, much? $5.05 5 k. Yeah. No. That's still that's still decent. That's still something. And anything else? Do you have any other assets, any bikes, or anything else? No. No. Perfect. Any other, like, personal loans or credit cards or anything? No. No. Okay. And when it comes to health and life style, I have you here as a nonsmoker. Is that still the case? Yes. Yes. And have you had any changes to your health in the last twelve months at all? 50 Still same? Okay. And when three. it comes to your beneficiary nominations for your CIFAR, so in the event something happens to you, I do wanna triple check I have the correct information. I have 50% to Mohammed, 15 to Don, 20 to Erwin, and 15 to Shanice. Is that correct? Yes. Yes.","start_word":316,"end_word":759,"sentiment":"neutral","sentiment_score":0.0439480768667685},{"text":"Beautiful. Now when it comes to kind of goals, stuff that you are working towards in the next twelve months, during the annual review, it's usually good to kind of get a bit of a check-in to see how everything went or what you are focusing on.","start_word":760,"end_word":806,"sentiment":"positive","sentiment_score":0.36648061871528625},{"text":"And last time we spoke to you, your main priority was to tryna focus on building a little bit of a saving just as an emergency, have as a backup in case anything would happen to you or any family members. Is that still kind of your main focus? Yeah. Yes. Anything else you are working towards, Frances, or that's your main priority? Not really. I'm just looking forward when I'm gonna retire. Yeah. Yeah.","start_word":807,"end_word":881,"sentiment":"neutral","sentiment_score":0.11763647943735124},{"text":"I'm just tired of working.","start_word":882,"end_word":886,"sentiment":"negative","sentiment_score":-0.34858202934265137},{"text":"Yeah. I'm And I'm 59 now. So yeah. yeah. And when do you think you you wanna start retiring? Like, when do you think you would like to retire? Here in here in Australia, what what Yep. age do we have that we will receive pension? So pension is 67 Wow. 67. $60.67, but Yeah. you can access superannuation if you stop working at 60. So that will Yeah. be next year. Yeah. Yeah. I'm still looking at depending on my health, maybe Yeah. three to five years, maybe. Okay. So, Yeah. yeah, I still gonna be going by 60. 60 is already next year. So Yeah. Yes. I still Okay.","start_word":887,"end_word":997,"sentiment":"neutral","sentiment_score":0.019435607903712505},{"text":"I think I can still handle that. Yeah. Perfect.","start_word":998,"end_word":1006,"sentiment":"positive","sentiment_score":0.4659456014633178},{"text":"Now when it comes to superannuations, so how your money's invested. Now to make it quicker for you, I will will kind of won't go through the risk profile questionnaire, but we'll talk about your current investments and how things are invested and see if that still aligns with you. So at the moment, we have you invested in a growth portfolio. Do you remember what that means or what it is at all? What what was the name again of the portfolio? A a growth investor, so when it comes to the level of risk. Not not really. Not sure? No. That's okay. Most people say the same, to be honest. But, How Elaine? essentially, No. I trusted I'm you. yeah. Now when it comes to the risk profile, what's important is making sure that with market fluctuations that you are comfortable. So Yep. this is more just like a a a level of risk that you are comfortable with to making sure that you have enough time in the market, but then also that you are comfortable with it. So Mhmm. at the moment, when we typically see a growth investor, it is for people who are looking at growing their superannuation as much as possible while you still have, you know, time while you are working, but also someone who is comfortable seeing a bit of a market fluctuation. So a little bit of up and down in the market Mhmm. as a result. Now when it comes to how your money is invested, what I will actually show you first is do you have access to your emails quickly for me? Yeah. Okay. So what I have done is I have just sent you an email. Mhmm. If you could access that for me. Now it Veronica could go to Glover. yes, please. That's me. If you can click on it it should when you open up the email, it should say sign now, I believe. Yes. If you if you click on that one, it will allow you to open up and look at everything first before it Find prompts now. you to sign anything. Yes. Find document. Just open it up for me first. But if you click on the link, it should take you to a couple of attachments. Which which link? Sign the signed document. Yes, please. Okay. Hold on. Okay. Alright. So there's a member number, account, approx. So where where Yeah. are we going? Next document? Sorry. If you can stay on this one here, does it say superannuation and insurances on it? Summary Yes. of superannuation. Yes. So we start with this one, which shows us that at the moment, you have your superannuation in Netwealth, and you have a $196,835 in there At the moment. at the moment. Yes. Wow. Okay. Now What what what what month is this? July. At the moment. Okay. At the moment. Yes. Alright. Now you also have life insurance with Neos. So Mhmm. that is if something were to happen to you, your loved ones will receive $268,387.","start_word":1007,"end_word":1522,"sentiment":"neutral","sentiment_score":0.06989009921301821},{"text":"I thought you're gonna say your loved ones were just gonna cry.","start_word":1523,"end_word":1534,"sentiment":"negative","sentiment_score":-0.5061498284339905},{"text":"Yeah. Yeah. Nothing else.","start_word":1535,"end_word":1538,"sentiment":"neutral","sentiment_score":0.01370151713490486},{"text":"Now which is which is still a decent amount because that means, obviously, that you can have a little peace of mind that, you know, if anything ever were to happen, at least your your family will get some support.","start_word":1539,"end_word":1578,"sentiment":"positive","sentiment_score":0.41251862049102783},{"text":"Yeah. Yeah. Correct. Yeah.","start_word":1579,"end_word":1582,"sentiment":"neutral","sentiment_score":0.2601143717765808},{"text":"Now your life insurance, you do get 15% discount on it.","start_word":1583,"end_word":1593,"sentiment":"positive","sentiment_score":0.33832991123199463},{"text":"So it's about $1,835 for that the whole policy. Okay? Mhmm. Do you have any questions in regards to your insurance? Do you wanna change anything? Are you happy with what you have at the moment? My my question is actually like this. You know, with the insurance thing, if I stop if I stop the my my thing with you, the super thing, Yes. this will also canceled. Yes. Because it's paid from within superannuation. Unless you change it to like, unless you change to a different superannuation fund and you change where the policy is paid from. Yes. There are instances where, let's say, you turn 60 next year and Mhmm. you go, I wanna take all my money out. I've retired. I've stopped working, but you want to keep your life policy, we can check with Neos whether we can change it to If a policy you can just voluntarily, like, voluntarily pay them for that much. Correct. So whether we can change it so it's not owned by Super and it's owned by you directly, but Personal. that means you'd Yeah. have you would have to pay for that yourself instead of Super. Okay. Yeah. Does that make sense? Yep. Yes. Yep. Any Okay. questions? Hold on. Sure. Okay. At the moment too, I I I had my thing salary sacrifice thing, so that's that's gone to my super year. Correct. Yes. Yeah. But I applied Do you for a salary sacrifice from from work. from work. Yes. So that should all be let me go into your account quickly for you and make sure that's all correct. And you check Do you if it's yeah. If you receive yes. it from Yes. I'll log in to your account now. Do you remember how much you told them through a put aside? 50 a week. Yes. 50 a week. Okay. Let me have a look here for you. And how often do you get paid? Weekly. Weekly? Okay.","start_word":1594,"end_word":1925,"sentiment":"neutral","sentiment_score":-0.01200595343238618},{"text":"Perfect.","start_word":1926,"end_word":1926,"sentiment":"positive","sentiment_score":0.38293635845184326},{"text":"Let me have a look at the loading. Yes. I can actually see that is going in, and it looks like so you just started it. Correct? Like, Yes. just Yep. yeah. K.","start_word":1927,"end_word":1959,"sentiment":"neutral","sentiment_score":0.15630999207496643},{"text":"Perfect.","start_word":1960,"end_word":1960,"sentiment":"positive","sentiment_score":0.3384343385696411},{"text":"Yeah. Yeah. Because Because I just it I look just realized now that I'm getting $30.60. I'm going to be 60. So yeah. Oh, yeah. Now I can see I can see that the first payment came in on the 07/01/2026. So it's Yes. just kind of started coming, and that was $50. Yep. So that is going And that that's is gonna going be, yeah, weekly. Correct. Now if anything ever were to change in regards to your personal situation or anything, you can change that whenever you want to with work as well.","start_word":1961,"end_word":2055,"sentiment":"neutral","sentiment_score":0.17559246718883514},{"text":"Now the the thing when it comes to salary sacrifice that we want to be mindful of because salary sacrifice is a great way to boost your superannuation, also save a little bit of tax, which is nice.","start_word":2056,"end_word":2093,"sentiment":"positive","sentiment_score":0.4867686927318573},{"text":"The only thing we wanna be mindful of is because they have contribution cap basis. So, basically, there's a limit on how much they allow you to put in each year. At the moment, that is 32,500, and that includes that from your employer. Now at the moment, you are under that.","start_word":2094,"end_word":2145,"sentiment":"neutral","sentiment_score":0.0765773206949234},{"text":"So you have plenty of space, so that's good.","start_word":2146,"end_word":2154,"sentiment":"positive","sentiment_score":0.4578513503074646},{"text":"So Yes. you're not Yeah. at risk of needing Because anything. at the moment, your my yearly is averaging only $10 or less. So if your income is 70,000, they would put in about 8,400, but then that also gets taxed at 15%. So what what's yeah. So, normally, it's just, like, averaging from between 8 to 9,000 a year that goes to my supa from from work. It would be a little bit less, but it's depending on your income. So if your income is exactly $7.00, so 70,000, it will be around 7,000 that your employer will put in. If your income is 80,000, that's what I had down before, Yep. your employer puts in about 8,160. Okay. Yeah. Do you think your income is closer to that 80,000? Because that's, Yeah? Okay. Because that yeah. That's about 8,000 Yeah. So 32 is after a very, very tax. high thing to reach. Yes. So it's So I I'm okay. plenty I'm okay. of space. I Sorry. don't go beyond that. I wish. Yeah. The only thing I would say, if for some reason you win the lottery or or anything Yeah. like that and you go, oh, I wanna put everything in, just let me do Yeah. the math That's for right. you Yeah. first just to make sure that's all good. And or or we Yes. know that I cannot put more than 30 total. Exactly. Each year. Yeah. Each There year. are Yes. there there are different strategies that we can look at for you where it gets a bit complex, but you Yeah. can use, like, previous year space. So if, for example, you have 50,000, it could be possible, but I would say, just let me know and let me check the numbers for you Alright. first. Yes. Yeah.","start_word":2155,"end_word":2459,"sentiment":"neutral","sentiment_score":0.01998137930011163},{"text":"Yeah. Perfect. But, no, that is all going in, which is great because I will also see your superannuation growing faster and compounding, which is great.","start_word":2460,"end_word":2485,"sentiment":"positive","sentiment_score":0.6374548673629761},{"text":"Another question. I just remember. Yeah. Like, just in case, what type of circumstances that you can you can withdraw something from your super? Yes. So if you continue to work so let's say you turn 60 next year and you still work. So you can only take money tax free if you retire. But let's say you wanna keep working, but you wanna draw some money from your super, you can do that under something that is called a transition through retirement strategy. What it basically means is that between 60 and 65, you can keep working, but there is a limit on how much you can take out. The maximum you can take out is 10% of your balance per year, minimum 4% For example. Percent per year. Like, for example, also, if I keep I can't I still keep on working, and I I really need money. I can Yes. it can be due with you guys, but how much can I So you could take let's say let me do the calculation for you. So let's say, for example, based when on you're texting. what I have at the moment? Correct. So if you have let's say you were 60 today, and you go you keep working and you go, well, I need a little bit of money. You could take you could take out tax free 19,683 based on today's balance, max. 10%. 10%. Correct. Oh, what Yep. I ended up? $1.96. Okay. Yes. Cool. So if if that's a situation so, obviously, next year when we have you on your review, you'll be, obviously, past that point. Or Yes. when you do when you do turn 60, if you need anything, just call us. Or Oh, if you but go that's off good. sorry. You can just call us when when you turn 60 Mhmm. if you need any money. Oh, okay. Okay. I remember that when I'll be 60. Yeah. Yeah. Just But be like, before hey. 60, I cannot call you. Yeah? For Correct. for that You can't terminal problem. you you can call me, but you can't take money out. So you can still call me, but I can't Obviously. I can't get any money out. I But can just I feel I I oh, am yeah. Yes. I'm getting the point now that I feel if if I'm 60 and I really need money, I Yes. can I can call you guys and and ask Yes. for a withdrawal or something?","start_word":2486,"end_word":2906,"sentiment":"neutral","sentiment_score":-0.02063520311990713},{"text":"That's good.","start_word":2907,"end_word":2908,"sentiment":"positive","sentiment_score":0.3639298677444458},{"text":"Correct. That's That's you can. good. Yes. Yes. Because I And we I heard Yeah. some others that, no, you cannot really access unless you you retire, like, fully Yeah. retire. No. But he said no. But what if you get sick or something? Correct. Now that that and and what's that strategy transition? It's designed for people who still wants to work, But let's say you wanna work part time. Let's Yeah. say That's you it. just Okay. wanna Please. work a little bit. Mhmm. That's when this come in handy because what some people do, it's like, let's say you need your income for covering bills and expenses. Let's Mhmm. say you need 80,000, but let's say you work part time Mhmm. and that your income is 60,000, but you need extra. So what we can then do is we could draw that 19,000 from super, for example, with your income of, let's say, 60, and that gets you very close to that 80. So there's, like, a lot of different things we can do.","start_word":2909,"end_word":3085,"sentiment":"neutral","sentiment_score":0.07602205872535706},{"text":"And and it is a very good thing that that exists because it can mean that you can you can take it out as a a lump sum or, like, a regular income.","start_word":3086,"end_word":3118,"sentiment":"positive","sentiment_score":0.6175776720046997},{"text":"So whether you wanna div it up in a in a weekly basis or fortnightly basis or once a month withdrawal Once or you're whether 60, you go yes, once you turn 60. Yes. regardless if you're still working or not working. Correct? Only if you're working. If you call me when you turn 60 and you go, I have retired. I'm no longer working. You can take everything. You can take the whole lot. Lump sum. Yes. Or income, you can choose. Yeah. Or you can make it But monthly. it correct. But there's no limitation on how much you can take as long as you are not working. So there's Okay. a lot we can do here. So But when if you're you're trying to working, fix the you can mhmm. always ask for that help. It's like the help thing, the one that we were talking about, the ten percent one. Correct? Correct. You can Yeah. you can Even if you're if you're if you're working. working, you can take up to 10% per Less year than 10 on percent.","start_word":3119,"end_word":3301,"sentiment":"neutral","sentiment_score":0.08817735314369202},{"text":"Beautiful.","start_word":3302,"end_word":3302,"sentiment":"positive","sentiment_score":0.47430455684661865},{"text":"At Correct. least I know. So I think yeah.","start_word":3303,"end_word":3311,"sentiment":"neutral","sentiment_score":0.2822355031967163},{"text":"That's good.","start_word":3312,"end_word":3313,"sentiment":"positive","sentiment_score":0.5302605032920837},{"text":"yeah. Yeah. And if anything changes, you know, when you do 10:60, if if you need anything, just let us know because there we can have a look at all of that for you.","start_word":3314,"end_word":3347,"sentiment":"neutral","sentiment_score":0.16760855913162231},{"text":"Beautiful. Thank you so Yeah. much.","start_word":3348,"end_word":3353,"sentiment":"positive","sentiment_score":0.4963720738887787},{"text":"No. That's okay. Now do you have any other questions before I move on to the next document? Okay. Be warned, my dear. Yeah. Now if you can press next for me. I think it should say next document. Hold on. Next document. Okay. Yes. Oh, they're very small. I don't have glasses on. No. That's okay. You can always go back and have a look at this after. No worries. I I cannot, Yep. you know, like, making it big. Yeah. Now Okay. Where you where will are we? yep. So you will have two documents, this one, and then Mhmm. the next one should be a similar one. It's just different time. So the first one should be twelve months. The next one is three months. Basically, Mhmm. what it is, it shows you all your investments, how they have performed, and what's the return on your investments over the twelve month period and the three month period. Ah, okay. Now the reason we I have done twelve and three is to show you a bit more of those markets, what's happening in the market. So over the last twelve months, you probably have heard on the news and seen there's been quite a bit of turbulence in the market. So, obviously, everything that has happened in The US, obviously, with Trump and tariffs and everything, did see a bit of fluctuation in the market in the Yep. stock market. And more recently, with the war as well, Yeah.","start_word":3354,"end_word":3604,"sentiment":"neutral","sentiment_score":-0.026529145850039335},{"text":"has seen a bit of fluctuation. So it's been quite a quite a turbulent twelve months.","start_word":3605,"end_word":3620,"sentiment":"negative","sentiment_score":-0.42665061354637146},{"text":"So Mhmm. when we are looking at a twelve month period, most of your investments have done pretty good, but there was one investment that was underperforming. Now Which one? do it was your Benelong Australian Equity. That one was down. The Australian one. Australia. Yes. Now do you remember receiving an email from us? It wasn't anything you had to sign, but do you remember receiving an email on the March 16? Anything before July July 9? What are we That's today? fine. July 8? Yes. July 8? That's okay. It wasn't Can you hear anything me? it wasn't anything you had to sign, but what that email was and you're welcome to go back and have a look later. What that email was, it was from from the directors and the investment committee because we obviously do investment research all the time on your investment. And we wanna be proactive that if there is an investment that is underperforming and not performing as good as we would like or there is something happening structurally with the investment, we want to be proactive and look at changing that for a better option. Yeah. Does that make sense? Yeah. Yes. Yes. I was about to say you you changed it. Of course. It's Exactly. not for a long time. Correct. So that is what that email was on the March 16 to say that we changed the investment that was underperforming, which was then along. And instead, we swapped it for another Australian investment because we wanna give you diversification, but swapping for one that has performed better. So what we swapped it for, it was another Australian investment.","start_word":3621,"end_word":3899,"sentiment":"neutral","sentiment_score":-0.020033735120969433},{"text":"It's very diversified because it invested 200 companies. So super, super diversified. It was cheaper than your old Benelon investment, and it has performed better.","start_word":3900,"end_word":3924,"sentiment":"positive","sentiment_score":0.48012369871139526},{"text":"So that's what that, yeah, so that's what that email was on the March 16. So So before have you we changed make it? What what is it? we have changed it. Yes. So that happened No.","start_word":3925,"end_word":3961,"sentiment":"neutral","sentiment_score":0.06639773398637772},{"text":"Too too much now.","start_word":3962,"end_word":3965,"sentiment":"negative","sentiment_score":-0.34641391038894653},{"text":"so from Benelong to BetaShares Australia two hundred. Yeah. Because I'm looking at the asset type. Mhmm. Which Yes. one? Okay. I So, checked. yes, so can you see where it's the heading where it says Australian equities? I'm I'm I'm under income receivables in asset. I'm I'm in that part. Am I Okay. so far? Looking keep looking down a little bit. After income receivable, No. do you see alternative investments? A little bit further down on the paper. Under the asset performance detail. Yes. No. Next document. And you said no. On this one. On the same one. Oh, on So this page, on this I didn't one. Yes. all assets held. It's it's Asset. assets requirements detail. Yes. Correct. Now on the asset performance detail, underneath it, does it say a time frame? Does it say all assets held? And then does it have a time? Like, it says, like, July 7? Yeah. Seventh Yes? of July to sixth of 2025 to to sixth Correct. of July 20 Yes. '26.","start_word":3966,"end_word":4138,"sentiment":"neutral","sentiment_score":-0.02152157756849865},{"text":"Perfect.","start_word":4139,"end_word":4139,"sentiment":"positive","sentiment_score":0.6041886806488037},{"text":"Yep. Now keep looking down. Do you have where it says assets? A little bit further down. What does it say? Asset, just straight under. So you have different columns, and it's the first column. So all the way to the left, you should have cash. Can you see where it says cash? No.","start_word":4140,"end_word":4193,"sentiment":"neutral","sentiment_score":0.02553325705230236},{"text":"It it doesn't doesn't give me anything anymore.","start_word":4194,"end_word":4201,"sentiment":"negative","sentiment_score":-0.4008448719978333},{"text":"Just the next document. So when you're in the asset performance detail, Yeah. It's is all the it paragraph blank? thing, like, all Yes. paragraph. Yeah. Correct. All the paragraphs. So that's where I'm looking. So all the paragraphs. Yeah. Okay. Now yes. So on this document, Mhmm. you can see underneath where it says all assets held 07/07/2025 Yeah. to 07/06/2026. You know how you saw that? On under that, can you see where it says there's headings saying assets, code, open value, purchases. No. I didn't have No. that. What can you see? I see you. Sure. Okay. Okay. If I scroll it down, Yes. nothing. It just say, when it's the nothing, the network's super accelerator for for personal profile about it, and it won't give me anything anymore. Otherwise, it's the next document. Okay. Try the next one for me. And what Next does that document? say? Yes. Okay. The chart? Vanguard index 12. And it okay. So with the Vanguard index chart, that one we'll come back to their performance because you should have another one later.","start_word":4202,"end_word":4383,"sentiment":"neutral","sentiment_score":-0.02571454457938671},{"text":"But The the one glass that you makes can your gives you headache.","start_word":4384,"end_word":4396,"sentiment":"negative","sentiment_score":-0.3793630003929138},{"text":"now I will explain what it is a little bit simply for you. What it is, when we are looking at you can see all the different lines, Yep. all the different yep. Sorry. Yeah. Up What and that down. correct. So what that is, it is the different asset Mhmm. classes, how you can be invested. And the period of time, it shows you from 1995 through to 2025. And this is the movement of each investment. So you can see here that things do fluctuate up and down and up and down.","start_word":4397,"end_word":4490,"sentiment":"neutral","sentiment_score":0.007144850282434454},{"text":"It's But a shame. You cannot make it big.","start_word":4491,"end_word":4499,"sentiment":"negative","sentiment_score":-0.5781481862068176},{"text":"yeah. Now I you already can have go my glasses on, but I'm trying and then to make it big, but I can't. after the call, you can go and download these and have a look at it on the computer as well if you would like.","start_word":4500,"end_word":4546,"sentiment":"neutral","sentiment_score":0.08533909171819687},{"text":"It's all there for you.","start_word":4547,"end_word":4551,"sentiment":"positive","sentiment_score":0.5137025117874146},{"text":"So even if you later go if you have a computer or an iPad or anything, you can go back into your emails and Last you time, can I think it was last year, they sent me a mhmm. a a all of that one that we're talking about like this, black and white. I mean, you know, in a mail. They Mhmm. send me yearly. Yeah. Yeah. I I do would you want all the documents sent to you in an email after the call? Would that be helpful? Yeah. It's Yeah? possible. Okay. Yeah. Of course it is. Yes. Okay. So I will next get document. yeah. Sorry. Sorry. This one here, even though you can't really see it, it it talks about the different fluctuations, Yeah. Different colors. different colors. So when we are talking about how your money is invested, it is making sure that you have enough time in the market and you are comfortable with it. So how you are currently invested in your growth portfolio, it will mean that so the top four lines is your growth investments. So there's, like, a green two green lines, one light Indeed. green, one dark green, a yellow, and a red. Now these are the ones that you can kind of see, hopefully, that they grow the most. So that has done the most amount of growth since 1995. So that will give you way more money but also fluctuates a little bit. Yeah. So in your current portfolio, we have about 80% combined in these four top ones.","start_word":4552,"end_word":4814,"sentiment":"neutral","sentiment_score":0.12812840938568115},{"text":"So that is focusing on growing your superannuation.","start_word":4815,"end_word":4822,"sentiment":"positive","sentiment_score":0.33739906549453735},{"text":"You then have 20% in those three bottom. So the blue, the gray, and the red. And you can hopefully see that they are a little bit more smooth. They grow a little bit nowhere near as much, but they don't fluctuate as much either. Does that kind of make sense? Yes. Yes. Yep. So that is how everything is, Yeah.","start_word":4823,"end_word":4883,"sentiment":"neutral","sentiment_score":0.18302252473401243},{"text":"Now that is how everything is kind of invested for you at the moment.","start_word":4884,"end_word":4897,"sentiment":"positive","sentiment_score":0.3394334316253662},{"text":"And are you happy kind of with the level of fluctuation and risk and everything in your growth portfolio for now? Yep.","start_word":4898,"end_word":4919,"sentiment":"neutral","sentiment_score":0.28134581446647644},{"text":"Perfect.","start_word":4920,"end_word":4920,"sentiment":"positive","sentiment_score":0.4583933353424072},{"text":"Now Yeah. when you I'm do I'm get easy. close yeah. I'm not a risk taker, you know? Yeah. And so Yeah. you are kind of kind of in the middle where you are focusing on growing your Yeah. super, Of course. Yeah. but you're not in, like, your high growth or aggressive. Yeah. Now when you get closer to retirement, so when you get to about maybe five years or so for when you go, oh, no. Okay. I'm I'm close to wanting to retire. Mhmm. We can then each year, we can look at so so, potentially, next year for you as you then turn 60 And if you are planning on retiring completely around that 65, it gives us roughly that five year mark. Next year, we might look at gradually reducing that risk as closer and closer you get to retirement because then you have less time in the market. Does that make Yes. sense? Yes. Yes.","start_word":4921,"end_word":5081,"sentiment":"neutral","sentiment_score":0.077496737241745},{"text":"Perfect. All good.","start_word":5082,"end_word":5084,"sentiment":"positive","sentiment_score":0.3474431037902832},{"text":"Now Yes. if you press next for me, what can you see? Mail? Yes. So this one Certificate here, you of guarantee? yes. Correct. You don't have to look at it too closely because what it is is your is your life insurance. So it's the one it's the one we talked about earlier. It just shows you that everything is paid and up to date for you. Okay. Yep. Now what's the next one? Plan details. This is the right there. Payment details and everything. Next document? Yes. Next document. Okay. Off your services. Yes. So you probably have seen this one before. It does give you all the important information in regards to us here at Oakview Financial. None none of the important information has changed, but we've had a bit of an up updates to our marketing and also a bit of an extension to the team. So after you have a look at this one and, again, I will get the team to email you all the documents so that you have them Yep. to make it easier. You can have a read over it, and everything about our overview is in there. But if you want to put a face to the voice, seeing who you're actually talking with, if you scroll down to page 10, you should see a little photo of myself there. Oh, okay. That is Yeah. what I'm looking for. I can Yeah. see Zata, which Yep. he was the first one who talked to me and introduced. Yes. Yep. He's We a have director. Rodent and Mhmm. Elisa, Jenna. Jessica. Yep. Yeah.","start_word":5085,"end_word":5356,"sentiment":"neutral","sentiment_score":0.1006639722515555},{"text":"The sexy one.","start_word":5357,"end_word":5359,"sentiment":"positive","sentiment_score":0.40311935544013977},{"text":"There I am. Sorry. Because Ah, we that's obviously good. talk over the phone, sometimes Now at it's least nice. I can imagine your face while Exactly. talking. You know? Exactly. Do you know that this is very important as well? Oh, yes. Definitely. You know? And Yeah. it's like, you know, that's yeah. It's it's a person here and yeah. Yeah. You can see who you're talking You look to. like a tennis player. Oh, really? I'm not You very look good like at tennis. Koftchuk. You're watching tennis? You look like Koftchuk. Oh, really? She's pretty. Yeah. I It's pretty. wish You're pretty. You're pretty. oh, thank you. I wish I could play tennis, but I can't.","start_word":5360,"end_word":5478,"sentiment":"neutral","sentiment_score":-0.0360184907913208},{"text":"Not very good.","start_word":5479,"end_word":5481,"sentiment":"negative","sentiment_score":-0.4955086708068848},{"text":"I'm better at soccer. Okay. Okay. Now, Francis, if you wanna press next for me, what can you see now?","start_word":5482,"end_word":5501,"sentiment":"neutral","sentiment_score":-0.025947609916329384},{"text":"Another beautiful hold on.","start_word":5502,"end_word":5505,"sentiment":"positive","sentiment_score":0.35512974858283997},{"text":"Consent. Yeah. Okay. So what this is is your ongoing service agreement. Now this would have been the case every annual review, and it is something that you have to obviously agree to.","start_word":5506,"end_word":5538,"sentiment":"neutral","sentiment_score":0.14169029214165427},{"text":"So what it is, it is to say that you are happy to stay on as a client.","start_word":5539,"end_word":5556,"sentiment":"positive","sentiment_score":0.690055251121521},{"text":"Now there is no changes in regards to the fee structure.","start_word":5557,"end_word":5567,"sentiment":"neutral","sentiment_score":0.1633886694908142},{"text":"It stays exactly the same as it has been at 1.65% from super.","start_word":5568,"end_word":5580,"sentiment":"positive","sentiment_score":0.5199346542358398},{"text":"So we haven't increased the prices or anything.","start_word":5581,"end_word":5588,"sentiment":"neutral","sentiment_score":0.25247177481651306},{"text":"It stays exactly the same.","start_word":5589,"end_word":5593,"sentiment":"positive","sentiment_score":0.47185736894607544},{"text":"Now with the ongoing service agreement as well, it is not a lock in contract. So if at any point in time, you are not happy with the service or when you turn 60, you go, no. I wanna take all my money and do whatever you want. And There's goodbye. no exactly. Say goodbye. There is exactly. There is no locking contract. Okay. Now every twelve months, you have to agree to stay on for the next twelve months, but it does not mean you have to you're locked in to twelve months. Because how the fee structure work is that it's just deducted on a monthly basis for you. So it gives you the flexibility, but then also with market movements, it just makes the fees a little bit more fair to you. But by signing this document here because at the end, it should ask for your signature. And No. no. I gotta sign my life now? It's not your life. I promise. It will it just mean by signing it, if you are comfortable with it, only if you're comfortable with it. What it means, it allows us to keep servicing your account, keep managing your investments, and looking after everything for you until you retire. Amen. Yes. But like Amen I said, to any that. point in time, you need you when you turn 60 and if you if you need the money, you'd you just let me know. Oh, thank you for No. that. Because that's what I was really thinking, you know, because my sister is always doing that to her. And I Yes. said, but I can. And I I'm not sure if I'm 60, and I don't know if I'm still, you know, alive and kicking. Yeah. You know? Yeah. And And sometime and that's in the your thing. life, you need something and you can Exactly.","start_word":5594,"end_word":5909,"sentiment":"neutral","sentiment_score":0.03017095739281253},{"text":"just relax for a while. Exactly. And Yeah. that's I'm good.","start_word":5910,"end_word":5920,"sentiment":"positive","sentiment_score":0.5231075286865234},{"text":"why we're here to help you through as well because the the closer you get to retirement, there will be more things, and it can get a bit more complex. And then Because, later you know, we're older. Yeah? yes. Exactly. But then, also, the the system becomes a bit more tricky as well. So at 67, that's then when age pension and that is, you know, if you do need help, we can kind of help different strategies with with age pension and assist with, you know, different with time and advice as well. So we kind Yep. of do everything.","start_word":5921,"end_word":6022,"sentiment":"neutral","sentiment_score":0.08684573322534561},{"text":"Thank you.","start_word":6023,"end_word":6024,"sentiment":"positive","sentiment_score":0.4449680745601654},{"text":"No. That's okay. Now if you are happy Is to add the signature, it there should be then one more. how how am I gonna need to you want me to sign now? If you are happy to do so. I don't have to put my name down because there's my name already there. So Yep. I I Yes. click on the on the box. Okay. You signed it already. Sign me oh, this one is Technology. oh, my god. It should be because maybe you've used the assigned before. So sometimes it pre because it's connected to your email address and everything. So it could be if you've pre signed before, sometimes you just need to click on it, and it automatically adds your name, or sometimes you have to draw it Because every my time. my in in the sign box, there's already my name. Yes. So underneath it, does it say a little signature box, or does it ask you to sign? By signing, I agree that they chosen. Mhmm. Is that sign? Just just press the word sign or sign all? If you do sign all, it will then it's only two documents. It's this one. And there should be one more, and that is just a compliance form to say we are keeping your tax file number secure and safe on file, and that's it. So which one I I have to press sign all or sign? Try sign all for me. Okay. Okay. And I does did it add yep. And what does it say now? it's in the signature part. There's my my thing my my pseudo pseudo name there already.","start_word":6025,"end_word":6302,"sentiment":"neutral","sentiment_score":0.09552608757353516},{"text":"Yep. Perfect.","start_word":6303,"end_word":6304,"sentiment":"positive","sentiment_score":0.4619666039943695},{"text":"And did it add a date as well? The date? Yep. Did it add the date automatically, or does it ask you to No. type I it? I pressed it and it it it does the it when I press it, it it shows the date now.","start_word":6305,"end_word":6351,"sentiment":"neutral","sentiment_score":0.06634379923343658},{"text":"Oh, beautiful.","start_word":6352,"end_word":6353,"sentiment":"positive","sentiment_score":0.4780086874961853},{"text":"Can you click is there a box to say validate or next? Next. Next, if you press next for me. Yep. I did. Yep. And what does it say now? And nothing. It it went back to the it it was just the member full name. It shows my name there. Does it ask you to Type type it? it's typed. Yeah. Okay. Could could you type it for me? It's already Okay. there. The member full name part box, they're this Yep. already in my name being Yep. typed. Okay. So that's all correct? Yep. And then the signature, I know it was in my handwritten, but it's okay. My handwriting. Yep. Okay. Yeah. No. That's fine. And then can you press The date. validate on next now? Next. Yes. Okay. Okay. I'm under asset performance detail. Why is this? It shouldn't ask you to sign that one. Can you press next? Next. Option to provide tax card number. Yes. Yep. So this one here should ask you for another signature, Uh-huh. and it is just that compliance form to say we are keeping your tax fund number secure and safe on file. Mhmm. So it should be the same where it's just a little signature box. Signature. Signature. Yeah. Okay. So I'll just Yep. click it. Yes, please. Yeah. And automatically no. My name is Yep. there. So funny. Yep. And the date. Okay. Yes. Validate. Validate. Yes.","start_word":6354,"end_word":6593,"sentiment":"neutral","sentiment_score":0.04636114463210106},{"text":"Perfect.","start_word":6594,"end_word":6594,"sentiment":"positive","sentiment_score":0.337210476398468},{"text":"Okay. I think we're almost at the end. Yes. When when we are. And I will let you get on with your with your day. Now when it says validate, it should load. It should be like a little Yeah. It's still loading. cogwheel. Yeah. So with it will then automatically send it back to myself, Okay. and I can upload and get all of that sorted for you. Now Yes. like I said, I will also let my team know to email you a copy of all the documents Okay. so that It you says can it's go signed. yeah. Okay.","start_word":6595,"end_word":6696,"sentiment":"neutral","sentiment_score":0.15010800811589933},{"text":"Perfect.","start_word":6697,"end_word":6697,"sentiment":"positive","sentiment_score":0.4149320721626282},{"text":"You will you I'll will get the right. signed document by email? Yeah. I Mhmm. have already got it just now. So that Okay.","start_word":6698,"end_word":6721,"sentiment":"neutral","sentiment_score":0.1408810317516327},{"text":"is perfect. Beautiful. Yeah. So that is all good. Well done.","start_word":6722,"end_word":6732,"sentiment":"positive","sentiment_score":0.5395462512969971},{"text":"Sometimes it's Oh, tricky with I this passed. technology. I passed. Yeah.","start_word":6733,"end_word":6744,"sentiment":"neutral","sentiment_score":-0.033665772527456284},{"text":"You did good.","start_word":6745,"end_word":6747,"sentiment":"positive","sentiment_score":0.3651365637779236},{"text":"We're trying to go work. Now, Frances, like I said, I will get my team, Whitlam, to email you a copy of all these documents Yes, please. so you have them. If you have any questions in regards to them later, just let me know. Just send me an email or call the office. And like I said as well, when you do 10:60, if you need access to some money, let me know. Or even Why when you keep on reminding me when I turn 60? just gonna help you. Or if or if you, you know, everything's going well, you keep working and you don't need it and you wanna keep having Yeah. it invested until 65, then the next under review so next year, when when we speak and go through everything, we can then reassess as well of where everything's at for you. Is And that if tax we wanna free? start what's Slow that? it Sorry. down. No. Is That's that okay. tax free? If you The the money? yeah. If you ask, you know, the help that I was saying. Is that tax free, the 10%? Yes. When you are over 60. Yeah. Yes. It is. 60 or over. 60 or over, Nine. it's Yeah. tax free. Yes. Oh, okay. Yep. So that makes a pretty big difference as well. But if it comes to it, just let me know because then we can do advice and strategies for you on how that would look like and if we need to change anything with your super or or anything like it. And I'll put a little note here as well to say that next year, we might look at start gradually reducing that risk exposure for you unless you are feeling amazing and you go, you know what? I wanna work till I'm 70. Then we can, you know, we can reassess things for I need a light. You know? you. Yeah. Yes. Who's You you've 70? worked hard and and now now it's time to enjoy retirement. Yeah. Can you still Yeah. walk and travel if you're 70? No. Please. Hopefully, Yeah. depending Hopefully, on on how of course. Yeah. but hopefully. Yeah. Yeah. Enjoy life. So, yeah, now, Frances, I know you're busy, so I will let you let you go. But do you have any other questions for me at this point otherwise? Just a request. So can you send me some to me your direct number and offer you, Yes. please? Yep. So just text it to you? Yeah. Okay. Yes. Yep.","start_word":6748,"end_word":7179,"sentiment":"neutral","sentiment_score":0.07439247711941048},{"text":"Perfect.","start_word":7180,"end_word":7180,"sentiment":"positive","sentiment_score":0.3336193859577179},{"text":"I can get I'll get Whitlam again to resend you a text message, and that has a a phone number. And I'll get him to text my personal email as well, if Oh, yes, it is please. needs anything. Yeah. Yeah.","start_word":7181,"end_word":7221,"sentiment":"neutral","sentiment_score":0.11031191051006316},{"text":"Now I see your beautiful face.","start_word":7222,"end_word":7227,"sentiment":"positive","sentiment_score":0.3401351273059845},{"text":"Yeah. I won't forget. You can I email don't me. mind emailing you. I I know you Yeah. already Exactly. So you can just email email me directly. sure. That is no problem at all.","start_word":7228,"end_word":7262,"sentiment":"neutral","sentiment_score":0.101463183760643},{"text":"Oh, that's very good. Thank Yep. you so much.","start_word":7263,"end_word":7271,"sentiment":"positive","sentiment_score":0.4575001001358032},{"text":"No problem at all.","start_word":7272,"end_word":7275,"sentiment":"neutral","sentiment_score":0.326728880405426},{"text":"Well, thank you so much for your I paid time a and lot patience in today.","start_word":7276,"end_word":7291,"sentiment":"positive","sentiment_score":0.4304516613483429},{"text":"for the last few years, it's always yeah.","start_word":7292,"end_word":7299,"sentiment":"neutral","sentiment_score":0.10885050147771835},{"text":"That one is more up close and personal, which is good. Yes. Yeah. Oh, that's good. I'm glad.","start_word":7300,"end_word":7317,"sentiment":"positive","sentiment_score":0.5820245146751404},{"text":"I know it took Yeah. a little Yeah. bit longer. Because A little I bit longer. yeah. Yeah. I've been talking to different ones and, Yeah. yeah, it's almost more on the details on the performance and everything. But Yeah. this time, it's a I think it's different and it's a woman to woman, you know. I think so too.","start_word":7318,"end_word":7377,"sentiment":"neutral","sentiment_score":0.05347953364253044},{"text":"I like it.","start_word":7378,"end_word":7380,"sentiment":"positive","sentiment_score":0.6853368878364563},{"text":"But, yes, anything you need at any point in time, you you just call me. Okay?","start_word":7381,"end_word":7396,"sentiment":"neutral","sentiment_score":0.194312185049057},{"text":"Oh, thank you. Thank you so much, doll. No Thank problem you for at all. your time and everything.","start_word":7397,"end_word":7415,"sentiment":"positive","sentiment_score":0.580781102180481},{"text":"No worries.","start_word":7416,"end_word":7417,"sentiment":"neutral","sentiment_score":0.30767980217933655},{"text":"No worries. We'll speak soon, and you enjoy the rest of your afternoon. Okay, doll. Thank you so much. Alright. Good No worries. good night. Good day.","start_word":7418,"end_word":7444,"sentiment":"positive","sentiment_score":0.5229012966156006},{"text":"Speak soon. Bye. Bye, my dear. Bye. Bye.","start_word":7445,"end_word":7452,"sentiment":"neutral","sentiment_score":0.2208124548196793}],"average":{"sentiment":"neutral","sentiment_score":0.07149002898648305}}}}