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Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And this address as well, please. Okay. Perfect. I might need to update that because I have a slightly different address. So can you just confirm your new address again, sorry, for me? Yep. Road. Blacktown Road. Yep. Seven yeah. 2147. Perfect. Thank you so much. I will get that updated for you. Now before I do kind of get started on things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like to focus on or just a bit of an update and see where everything's at? Yeah. Okay. And is that the emails from us, like newsletters or, like, from your superannuation with different investments or bit of both? Okay. Yep. Perfect. I'll have a look with IT if there's a bug or something, if you if you only receive the emails every now and then, just to make sure everything is up to date so that you do receive all our emails. Yep. Yeah. Perfect. Now the first thing I will go through there with you, it is just a bit of an updated fact find just to see if there is anything major that has changed in your life. If we need to make any changes to your advice or anything, So just bear with me as I kind of run through this information. Now when it comes to your personal information, I have you down here as a single with one financial dependent. Is that correct? Yep. Now I don't actually have a next up PIN on file for you, and that can be anybody. Just in the event that for some reason we cannot get in touch with you at all, it is just someone that we can call just to make sure that you're okay. And like I said, that can be anybody. Do you have anyone you would like to nominate just as a next of kin? Yeah. No. Next NextUp came, they don't have access to anything. They can't claim anything. It is just a point of contact if we can't get in touch with you. So it's not going to that person. They don't have any authority to make any changes in your account or anything like that. It is literally just like an emergency that if we try calling you and emailing you, we just can't get in touch with you. It is just someone that you know that we can call to see and make sure you're okay. But they don't have actually access to anything or anything. No. No. Yeah. No. They can't do anything. It is literally just just another phone number, and we just to just to check-in on you. If for some reason we can't get in touch with you, that's it. They don't have access to anything. They don't have claim for anything. Nothing like that. Yep. How do you spell that? Yep. Yep. Perfect. And do you know their phone number by any chance? Yeah. Sure. You can. No. That's okay. You can always email it to us or call us up later and just just provide the number, whatever works for you. Yep. And can can I just ask the relationship of that person to you just so I have that on record? Oh, beautiful. Thank you. Would you like me to update your marital status as engaged? Or yes. Yes. Perfect. Well, congratulations. When did you guys get engaged? No. It cost a lot. It does. No. Beautiful. Otherwise, when it comes through, obviously, your superannuation, if something were to happen to you, I have that everything goes to your daughter, Gabriela. That yes. No. No. Everything goes through Gabriela. That's who you have nominated, and that stays the same as long as you are happy with that. Yes. Beautiful. Yeah. Now employment wise, has any of that changed for you, or you're still working as a a painter and plasterer? Yeah. Inspector. What kind of inspector? Mark. Yep. And is that working in a at a factory, like, making the windows? Or yep. Okay. Perfect. And when did you start there? April last year. Perfect. And do you enjoy it so far? Pays the bills. And do you work full time? Yes. Perfect. Now what's your income at the moment during that? Mhmm. Okay. So about 1,400 per week aft after tax? Yes. Perfect. And your new employer, who are they? What's the employer name? Yep. Yep. Perfect. And do you have a special, like, enterprise bargain agreement or anything like that with them, Or is it just kind of, like, they provide you with, like, the standard employer rate? Mhmm. Yep. Okay. So is that kind of is that negotiation still happening? Or It's still going. Still going? Okay. But when it comes to how much they are paying you into superannuation, is that just like the standard rules, or do you know if they pay you any a deck extra benefit? Mhmm. Yep. Okay. Okay. Okay. Well, I'll be able to see that on your account as well just to check. But are you putting any extra money yourself into super, or is it just from your employer that they pay it in? Yep. Cost of living. Yeah. Yes. No. I totally get that. And when it comes to your assets and liabilities, I have here that you own a motor vehicle that last was worth about $7,000. Is that still the case? Yep. Still the same? Yep. And you don't have anything owing on that one, do you? Okay. Another card? And how much is mhmm. 6,000. Yep. And do you have anything owing, like a debt on the car, or did you pay it outright? Just paid in cash. Yeah. Perfect. Do you have any other assets? Any other? No. Perfect. Any other liabilities, like any personal loans or credit card or anything? Yeah. Yes. Yep. Okay. And that was about 10,000, did you say? Yep. K. Perfect. Now when it comes to your health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. Perfect. And have you had any significant health issues or changes or injuries or anything? No. No. Perfect. And when it comes to estate planning, we've already touched on, obviously, if something were to happen, it'll go to Gabriela. But do you have a will or anything like that in place otherwise? Nope. Nope. And when it comes to your super, that doesn't form part of the estate. So because you have made a a legal if you because you have made a legal nomination, it will go directly through her. Yeah. Now when it comes to stuff that you are working towards and some goals, it's usually a good time doing annual reviews to do a bit of a check-in to see, okay. Well, what were your goals last time we spoke with you? How did you go with it, and what are you kind of focusing on for the next twelve months? Now when we spoke to you last time, your main focus was to focus on kind of building up a savings account a little bit. Is that still kind of your your main focus, or is it to pay off the personal loan or a bit of combination of the two? Yep. Yep. Okay. Okay. Perfect. So it's just kinda focusing on building up a bit of a emergency account if something would happen for a rainy day? Yep. Perfect. Anything else that you are working towards? Not really. No. No. That's okay. And when it comes to your superannuation, what I wanna do next is just to run through just a bit of a risk profile questionnaire. It is just multiple choice to make it nice and easy. There is no right or wrong answer, and it's just whatever you feel is the most appropriate for you when it comes to your superannuation. Does that make sense? No. That's okay. So what so what I'm going I'm going to ask you a couple of questions, and I'm going to give you a couple of answers to go with the question, and you just let me know whichever you feel is right for you. Okay. And it's all just theory. So it's just just questions for me to gauge how you are feeling about investments and market fluctuations. It's not actually making a decision to do anything. It is just how you feel about a situation. Yep. Yeah. Yep. Yeah. Yeah. Yeah. That's good. Now have you ever bought direct shares on the stock market yourself? Have you ever done any personal investing or anything like that? No. No. That's okay. And at the moment, when do you think you would like to retire or start drawing an income from your superannuation? Mhmm. Mhmm. Yep. And when when do you when do you think you would like to stop working? Uh-huh. Yep. Perfect. So still still got about ten years or so, if not longer. Yeah. Yeah. Yeah. Now when you do turn 60, you can access some of your superannuation completely tax free if you would like or if you need to. So when you do turn 60, there's different strategies and stuff that we can work towards together if you want or need some some money from superannuation. So keep that in mind as well. So when you do ten sixty, if there is anything if you need anything, there are some rules about how much you can take if you're still working, but we can kind of work with you on that if that is something that you need. Yeah. Yeah. So and and it's very tax effective as well because superannuation is very tax effective in that you can draw about 10% max per year completely tax free between 60 and 65 if you still work. So we can kinda work with that with you when you turn 60. So keep that in your back pocket. I'll make a little note as well, and we can always reassess that for you. Yeah. Yes. And, otherwise, I have here that when you do decide to retire completely, that on a a weekly basis, so how much money you need from superannuation to support your lifestyle and finances and everything, that, ideally, about a thousand dollars per week is sufficient. Is that still the case, or do you think you need closer to maybe, like, 1,500 similar to what you are receiving at the moment? Yes. You it's it's just a goal. So what it is, it is just a goal for us to try to help achieve for you. So if you you can tell me whatever amount you you want, and we can kinda work with that for you. So if you wanna look at maybe about 1,500 to give you a little bit buffer, I can just put it down. It doesn't mean you have to take it. It just means that it's a a bit of a goal to strive towards that might, you know, be a little bit more suitable with, you know, the the rising cost and expenses and everything since we spoke to you last. That'd be good. Yeah. Yeah. Now, also, when it comes to the level of risk that you are comfortable with, when it comes to flux when it comes to your superannuation, so how much fluctuations and stuff that you are comfortable with. Now would you say that you are a very high risk taker, just high, more moderate to somewhere in the middle, or a small risk taker when it comes to your superannuation. In the middle? Yep. Perfect. And when it comes to fluctuations in the market. So sometimes markets can fluctuate depending on what is going on in the world. Sometimes investments drop in value, and sometimes they increase in value. Now if something were to be down, so if an investment is down at the moment because something is happening in the world, would you say that, oh, now it's potentially a good opportunity to put a little bit more into that option while the prices are cheaper? Or would you kind of be a bit neutral, just kind of leave it and kind of see what happens? Or would you just leave it neutral? Yeah. Correct. Exactly. And if anything were to fall temporarily for you, which is natural, which does happen, would you say that you would, again, be kind of kind of a bit cautious, neutral, not making further investments, or just neutral? Yes. And last question here is in regards to borrowing money. So would you ever consider taking out a loan to do personal investments? No. Would you ever con no. Would you ever consider taking out a loan to buy an investment property? No. Would you take out a loan to buy a property for yourself to live in? Yep. That's what you want? Yeah. Perfect. Now that tells me here that from those questions, you have come out as someone that we call a growth investor. Now that aligns with the portfolio that we currently have you invested in. So they match, which is good. But do you remember what it means to be a growth investor at all? Yes? Yeah. So, basically, because there's a lot of different options depending on the level of fluctuations. So in a growth investor, it is somewhere in the middle of the scale. So you're not, like, aggressive or super high risk or high risk. It's more somewhere in the middle where you are wanting to focus on growing your superannuation while you still have time until you want to retire and stop working. But also understand that the market do go up and down a little bit, and there will be some of those kind of movements in the short term. Now when we are also then talking about how your money is invested is that, typically, you invest about 80% in what we call your growth investments. These are the ones that's going to grow your super the most. We also fluctuate a little bit, and then we also wanna make sure we have some of that defensive component where you kind of stabilize everything. So that can be, like, your gold, your fixed interest, for example, cash as well. You're trying to limit those fluctuations a little bit, and that's about 20 or so percent. And at the same time, when we are wanting to make sure that you have enough time in the market for those little fluctuations to come back around, in a typical growth portfolio, we would like to see about six years or so until retirement. And if you, at the moment, are planning on working to maybe 70, you do have that six year time frame as long as you are still kind of happy and comfortable with the way that things are going at the moment with your investment. Yes. Yeah. Great. Yeah. Perfect. Now do you have access to your emails at the moment, or are you kind of on the go? Yes. Do you have access to emails or not really? No. That's no. That's okay. Okay. Yeah. So what I have done is I have sent you an email. Now I am okay for you to look at it later when, like, you're in front of a computer or when you have access through your email address. It makes it a bit easier when you're not on the phone. So what I will do is I will just kind of briefly go over what those documents are. And then when you have a moment later, have a look through the document. And if you have any questions when you look at them later, you just give me a callback. Okay? Yep. No. That's so good. That's okay. Now you probably have gone through some of these before. It is pretty straightforward, but in the documents, you will see a Oakview services guide. It is one of those documents that gives you all the important information in regards to all of us here at Oakview. None of the important information has changed, but we have had some updates to marketing. So we've had a bit of an updated photos and a bit more updated marketing. So if that is a document you wanna have a read over, that is all there for you. And if you do have a look at it and you would like to know who you are speaking with today, I am also there on page 10 if you would like to put a face to the voice. Yep. Yeah. Now what you will also see, it is just an update on your superannuation. So you have your superannuation with Hub twenty four. We obviously manage it for you, but that is the platform where you have your superannuation. Do you have access to log in to your account, or it's not really something that you keep too much of an eye on? Okay. What you can do so when when you have a moment, you can access that. You can access your account on either the the website or if you have a smartphone, you can download an app on your phone. That way you can check it there as well. And how you log in is when you do go on the website, what I can do for you is I can get the team to send you an email with instructions and your login ID number. Would that be helpful? Yes. That'd be great. Perfect. And then all you have to do yourself is just to create a password for safety. Yeah. Perfect. I will get the team to email that to you. Now it will have the website link on how to log in, but it will also have your special ID number, which is what you it's like your account number, what you need to log in, and then you just have to do your own password. Yep. No. That's okay. But, otherwise, when it comes to your super balance, you have a pretty good balance. And at the moment, it's at 104,488. That's what's in your account at the moment. Yes. Yeah. Yeah. Don't spend it all. But yeah. You do. It is it is really good. So so that's great. Now when it comes to your investment, so kind of how your super has grown over the last twelve months. Now you probably have seen on the news and read that the last twelve months have been a little bit turbulent. Obviously, we had everything in The US going on, so with Trump and Tariq and everything. But, also, more recently, with the war in the Middle East, that has seen a bit of fluctuation. So we've had a little bit of that fluctuation in the last twelve months. In Spain, your investments have still done well. So every your investments are still up. Now in the last twelve months, after all fees so that's after all fees have come out of your account, your portfolio has still gone up by 6.74%, and that is just a return on your investment. And a dollar figure yeah. Yeah. It is good. And from a dollar figure, that's about 32,224. So, yeah, so even though we have seen a bit of fluctuations, it's still done good. Now when it comes to your investments as well, we also always want to make sure that we are proactive when it comes to investment because things are always changing. So part of the annual review and the research that we do is to continue to reassess your investment to make sure if we need to make any changes because things are always changes. Things go up and down. So what I would like to do, if you are happy for me to do so and it doesn't cost anything extra, it's all part of the fee, is after today, I would like to go I just do a bit of a a refresher just to see how all your individual investments are going, if there is any that we maybe want to switch out to something else that is going to give you a bit more growth and more better position for the future. Are you happy for me to do that? Yeah. Yeah. Perfect. Yeah. And it's good to do it is good to do every now and then, and especially now recently with everything going on in the market. We wanna make sure that everything continues to align with you and that we do have you in the best investment option. So I will go and do that. Now no. That's okay. Now I can see here that you don't have any insurances at the moment. Don't really have any, you know, mortgage or debt or anything through to pay out. But are you still happy without insurances? Yep. Yeah. Yeah. Yeah. No. That makes sense. Now the last thing is that when you have a bit more time later, have a look through your emails. Have a look through the spam folder just to keep a lookout for that email. What that shows you is those documents I just kind of discussed with you so you can see it in front of you, but it will also ask you to sign through documents if you are happy with that. Now what they are is an ongoing service agreement. That is the same every single year, and it is a requirement where you have to sign and agree that you are happy to stay on as the client. Now there is no changes in the fee structure. It stays exactly the same at last year. 1.65 from super. No changes whatsoever in regards to that, which is great. And then the last one is just a tax file number form. It is just a compliance form to say that we are keeping your tax file number secure and safe on file. Does that all make sense? Yeah. Perfect. So when you have a moment, have a look through your inbox, so just your email, and you you will see this email from myself, Veronica. It will say click here to sign now. You will see those documents. If you're happy, add a little signature. It will then automatically send it back to me once you have signed it, and I can get all of that processed. But while I do also have you on the phone, just so that I can go through the research I do on your investments, which shouldn't take too long, when is a good time for for me to give you another call just to go through if we want to make any changes to any investment? When is normally a best time for you? Fourteenth? Okay. Yep. Let me have a look. Yes. I can do Wednesday the so July 15. Yes. Would you prefer morning or afternoon? You'll be home in the morning? Yes. Yes. Morning. Would you prefer 09:00 or 10:00? 10:00. Yeah. So you can have a bit of sleep in if you're a bit jet lagged. Well, that is all booked in. So I'll book that in on Wednesday, July 15 at 10AM. In the meantime, have a look through your email, have a look through those documents, and I will also get my colleague, Whitlam, to send you a separate email with your login instructions so that you can go and access your super as well yourself whenever you want to. Yeah. No. That is no problem. Now that was everything that I needed to kind of touch on with you today. But do you have any other questions for me at this point otherwise? Not really? Yes. Yeah. Exactly. And if you do have any questions at any point in time, you can always write them down and ask me on the fifteenth, but you can always send me an email or call the office whenever you want to as well. Okay? Yep. No problem at all. It was lovely speaking with you. Thank you so much, and I enjoy your holiday. And I will speak to you on Wednesday, July 15. No worries. We'll speak soon. Okay. You too. 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afternoon. This is Veronica from Oakview Financial. How are you? That's good. I had to book in to go over your annual review.\n\nIs now still a good time for you, or you're a bit busy? Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect.\n\nAnd just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And this address as well, please.\n\nOkay. Perfect. I might need to update that because I have a slightly different address. So can you just confirm your new address again, sorry, for me? Yep.\n\nRoad. Blacktown Road. Yep. Seven yeah. 2147.\n\nPerfect. Thank you so much. I will get that updated for you. Now before I do kind of get started on things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like to focus on or just a bit of an update and see where everything's at? Yeah.\n\nOkay. And is that the emails from us, like newsletters or, like, from your superannuation with different investments or bit of both? Okay. Yep. Perfect.\n\nI'll have a look with IT if there's a bug or something, if you if you only receive the emails every now and then, just to make sure everything is up to date so that you do receive all our emails. Yep. Yeah. Perfect. Now the first thing I will go through there with you, it is just a bit of an updated fact find just to see if there is anything major that has changed in your life.\n\nIf we need to make any changes to your advice or anything, So just bear with me as I kind of run through this information. Now when it comes to your personal information, I have you down here as a single with one financial dependent. Is that correct? Yep. Now I don't actually have a next up PIN on file for you, and that can be anybody.\n\nJust in the event that for some reason we cannot get in touch with you at all, it is just someone that we can call just to make sure that you're okay. And like I said, that can be anybody. Do you have anyone you would like to nominate just as a next of kin? Yeah. No.\n\nNext NextUp came, they don't have access to anything. They can't claim anything. It is just a point of contact if we can't get in touch with you. So it's not going to that person. They don't have any authority to make any changes in your account or anything like that.\n\nIt is literally just like an emergency that if we try calling you and emailing you, we just can't get in touch with you. It is just someone that you know that we can call to see and make sure you're okay. But they don't have actually access to anything or anything. No. No.\n\nYeah. No. They can't do anything. It is literally just just another phone number, and we just to just to check-in on you. If for some reason we can't get in touch with you, that's it.\n\nThey don't have access to anything. They don't have claim for anything. Nothing like that. Yep. How do you spell that?\n\nYep. Yep. Perfect. And do you know their phone number by any chance? Yeah.\n\nSure. You can. No. That's okay. You can always email it to us or call us up later and just just provide the number, whatever works for you.\n\nYep. And can can I just ask the relationship of that person to you just so I have that on record? Oh, beautiful. Thank you. Would you like me to update your marital status as engaged?\n\nOr yes. Yes. Perfect. Well, congratulations. When did you guys get engaged?\n\nNo. It cost a lot. It does. No. Beautiful.\n\nOtherwise, when it comes through, obviously, your superannuation, if something were to happen to you, I have that everything goes to your daughter, Gabriela. That yes. No. No. Everything goes through Gabriela.\n\nThat's who you have nominated, and that stays the same as long as you are happy with that. Yes. Beautiful. Yeah. Now employment wise, has any of that changed for you, or you're still working as a a painter and plasterer?\n\nYeah. Inspector. What kind of inspector? Mark. Yep.\n\nAnd is that working in a at a factory, like, making the windows? Or yep. Okay. Perfect. And when did you start there?\n\nApril last year. Perfect. And do you enjoy it so far? Pays the bills. And do you work full time?\n\nYes. Perfect. Now what's your income at the moment during that? Mhmm. Okay.\n\nSo about 1,400 per week aft after tax? Yes. Perfect. And your new employer, who are they? What's the employer name?\n\nYep. Yep. Perfect. And do you have a special, like, enterprise bargain agreement or anything like that with them, Or is it just kind of, like, they provide you with, like, the standard employer rate? Mhmm.\n\nYep. Okay. So is that kind of is that negotiation still happening? Or It's still going. Still going?\n\nOkay. But when it comes to how much they are paying you into superannuation, is that just like the standard rules, or do you know if they pay you any a deck extra benefit? Mhmm. Yep. Okay.\n\nOkay. Okay. Well, I'll be able to see that on your account as well just to check. But are you putting any extra money yourself into super, or is it just from your employer that they pay it in? Yep.\n\nCost of living. Yeah. Yes. No. I totally get that.\n\nAnd when it comes to your assets and liabilities, I have here that you own a motor vehicle that last was worth about $7,000. Is that still the case? Yep. Still the same? Yep.\n\nAnd you don't have anything owing on that one, do you? Okay. Another card? And how much is mhmm. 6,000.\n\nYep. And do you have anything owing, like a debt on the car, or did you pay it outright? Just paid in cash. Yeah. Perfect.\n\nDo you have any other assets? Any other? No. Perfect. Any other liabilities, like any personal loans or credit card or anything?\n\nYeah. Yes. Yep. Okay. And that was about 10,000, did you say?\n\nYep. K. Perfect. Now when it comes to your health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nYep. Perfect. And have you had any significant health issues or changes or injuries or anything? No. No.\n\nPerfect. And when it comes to estate planning, we've already touched on, obviously, if something were to happen, it'll go to Gabriela. But do you have a will or anything like that in place otherwise? Nope. Nope.\n\nAnd when it comes to your super, that doesn't form part of the estate. So because you have made a a legal if you because you have made a legal nomination, it will go directly through her. Yeah. Now when it comes to stuff that you are working towards and some goals, it's usually a good time doing annual reviews to do a bit of a check-in to see, okay. Well, what were your goals last time we spoke with you?\n\nHow did you go with it, and what are you kind of focusing on for the next twelve months? Now when we spoke to you last time, your main focus was to focus on kind of building up a savings account a little bit. Is that still kind of your your main focus, or is it to pay off the personal loan or a bit of combination of the two? Yep. Yep.\n\nOkay. Okay. Perfect. So it's just kinda focusing on building up a bit of a emergency account if something would happen for a rainy day? Yep.\n\nPerfect. Anything else that you are working towards? Not really. No. No.\n\nThat's okay. And when it comes to your superannuation, what I wanna do next is just to run through just a bit of a risk profile questionnaire. It is just multiple choice to make it nice and easy. There is no right or wrong answer, and it's just whatever you feel is the most appropriate for you when it comes to your superannuation. Does that make sense?\n\nNo. That's okay. So what so what I'm going I'm going to ask you a couple of questions, and I'm going to give you a couple of answers to go with the question, and you just let me know whichever you feel is right for you. Okay. And it's all just theory.\n\nSo it's just just questions for me to gauge how you are feeling about investments and market fluctuations. It's not actually making a decision to do anything. It is just how you feel about a situation. Yep. Yeah.\n\nYep. Yeah. Yeah. Yeah. That's good.\n\nNow have you ever bought direct shares on the stock market yourself? Have you ever done any personal investing or anything like that? No. No. That's okay.\n\nAnd at the moment, when do you think you would like to retire or start drawing an income from your superannuation? Mhmm. Mhmm. Yep. And when when do you when do you think you would like to stop working?\n\nUh-huh. Yep. Perfect. So still still got about ten years or so, if not longer. Yeah.\n\nYeah. Yeah. Now when you do turn 60, you can access some of your superannuation completely tax free if you would like or if you need to. So when you do turn 60, there's different strategies and stuff that we can work towards together if you want or need some some money from superannuation. So keep that in mind as well.\n\nSo when you do ten sixty, if there is anything if you need anything, there are some rules about how much you can take if you're still working, but we can kind of work with you on that if that is something that you need. Yeah. Yeah. So and and it's very tax effective as well because superannuation is very tax effective in that you can draw about 10% max per year completely tax free between 60 and 65 if you still work. So we can kinda work with that with you when you turn 60.\n\nSo keep that in your back pocket. I'll make a little note as well, and we can always reassess that for you. Yeah. Yes. And, otherwise, I have here that when you do decide to retire completely, that on a a weekly basis, so how much money you need from superannuation to support your lifestyle and finances and everything, that, ideally, about a thousand dollars per week is sufficient.\n\nIs that still the case, or do you think you need closer to maybe, like, 1,500 similar to what you are receiving at the moment? Yes. You it's it's just a goal. So what it is, it is just a goal for us to try to help achieve for you. So if you you can tell me whatever amount you you want, and we can kinda work with that for you.\n\nSo if you wanna look at maybe about 1,500 to give you a little bit buffer, I can just put it down. It doesn't mean you have to take it. It just means that it's a a bit of a goal to strive towards that might, you know, be a little bit more suitable with, you know, the the rising cost and expenses and everything since we spoke to you last. That'd be good. Yeah.\n\nYeah. Now, also, when it comes to the level of risk that you are comfortable with, when it comes to flux when it comes to your superannuation, so how much fluctuations and stuff that you are comfortable with. Now would you say that you are a very high risk taker, just high, more moderate to somewhere in the middle, or a small risk taker when it comes to your superannuation. In the middle? Yep.\n\nPerfect. And when it comes to fluctuations in the market. So sometimes markets can fluctuate depending on what is going on in the world. Sometimes investments drop in value, and sometimes they increase in value. Now if something were to be down, so if an investment is down at the moment because something is happening in the world, would you say that, oh, now it's potentially a good opportunity to put a little bit more into that option while the prices are cheaper?\n\nOr would you kind of be a bit neutral, just kind of leave it and kind of see what happens? Or would you just leave it neutral? Yeah. Correct. Exactly.\n\nAnd if anything were to fall temporarily for you, which is natural, which does happen, would you say that you would, again, be kind of kind of a bit cautious, neutral, not making further investments, or just neutral? Yes. And last question here is in regards to borrowing money. So would you ever consider taking out a loan to do personal investments? No.\n\nWould you ever con no. Would you ever consider taking out a loan to buy an investment property? No. Would you take out a loan to buy a property for yourself to live in? Yep.\n\nThat's what you want? Yeah. Perfect. Now that tells me here that from those questions, you have come out as someone that we call a growth investor. Now that aligns with the portfolio that we currently have you invested in.\n\nSo they match, which is good. But do you remember what it means to be a growth investor at all? Yes? Yeah. So, basically, because there's a lot of different options depending on the level of fluctuations.\n\nSo in a growth investor, it is somewhere in the middle of the scale. So you're not, like, aggressive or super high risk or high risk. It's more somewhere in the middle where you are wanting to focus on growing your superannuation while you still have time until you want to retire and stop working. But also understand that the market do go up and down a little bit, and there will be some of those kind of movements in the short term. Now when we are also then talking about how your money is invested is that, typically, you invest about 80% in what we call your growth investments.\n\nThese are the ones that's going to grow your super the most. We also fluctuate a little bit, and then we also wanna make sure we have some of that defensive component where you kind of stabilize everything. So that can be, like, your gold, your fixed interest, for example, cash as well. You're trying to limit those fluctuations a little bit, and that's about 20 or so percent. And at the same time, when we are wanting to make sure that you have enough time in the market for those little fluctuations to come back around, in a typical growth portfolio, we would like to see about six years or so until retirement.\n\nAnd if you, at the moment, are planning on working to maybe 70, you do have that six year time frame as long as you are still kind of happy and comfortable with the way that things are going at the moment with your investment. Yes. Yeah. Great. Yeah.\n\nPerfect. Now do you have access to your emails at the moment, or are you kind of on the go? Yes. Do you have access to emails or not really? No.\n\nThat's no. That's okay. Okay. Yeah. So what I have done is I have sent you an email.\n\nNow I am okay for you to look at it later when, like, you're in front of a computer or when you have access through your email address. It makes it a bit easier when you're not on the phone. So what I will do is I will just kind of briefly go over what those documents are. And then when you have a moment later, have a look through the document. And if you have any questions when you look at them later, you just give me a callback.\n\nOkay? Yep. No. That's so good. That's okay.\n\nNow you probably have gone through some of these before. It is pretty straightforward, but in the documents, you will see a Oakview services guide. It is one of those documents that gives you all the important information in regards to all of us here at Oakview. None of the important information has changed, but we have had some updates to marketing. So we've had a bit of an updated photos and a bit more updated marketing.\n\nSo if that is a document you wanna have a read over, that is all there for you. And if you do have a look at it and you would like to know who you are speaking with today, I am also there on page 10 if you would like to put a face to the voice. Yep. Yeah. Now what you will also see, it is just an update on your superannuation.\n\nSo you have your superannuation with Hub twenty four. We obviously manage it for you, but that is the platform where you have your superannuation. Do you have access to log in to your account, or it's not really something that you keep too much of an eye on? Okay. What you can do so when when you have a moment, you can access that.\n\nYou can access your account on either the the website or if you have a smartphone, you can download an app on your phone. That way you can check it there as well. And how you log in is when you do go on the website, what I can do for you is I can get the team to send you an email with instructions and your login ID number. Would that be helpful? Yes.\n\nThat'd be great. Perfect. And then all you have to do yourself is just to create a password for safety. Yeah. Perfect.\n\nI will get the team to email that to you. Now it will have the website link on how to log in, but it will also have your special ID number, which is what you it's like your account number, what you need to log in, and then you just have to do your own password. Yep. No. That's okay.\n\nBut, otherwise, when it comes to your super balance, you have a pretty good balance. And at the moment, it's at 104,488. That's what's in your account at the moment. Yes. Yeah.\n\nYeah. Don't spend it all. But yeah. You do. It is it is really good.\n\nSo so that's great. Now when it comes to your investment, so kind of how your super has grown over the last twelve months. Now you probably have seen on the news and read that the last twelve months have been a little bit turbulent. Obviously, we had everything in The US going on, so with Trump and Tariq and everything. But, also, more recently, with the war in the Middle East, that has seen a bit of fluctuation.\n\nSo we've had a little bit of that fluctuation in the last twelve months. In Spain, your investments have still done well. So every your investments are still up. Now in the last twelve months, after all fees so that's after all fees have come out of your account, your portfolio has still gone up by 6.74%, and that is just a return on your investment. And a dollar figure yeah.\n\nYeah. It is good. And from a dollar figure, that's about 32,224. So, yeah, so even though we have seen a bit of fluctuations, it's still done good. Now when it comes to your investments as well, we also always want to make sure that we are proactive when it comes to investment because things are always changing.\n\nSo part of the annual review and the research that we do is to continue to reassess your investment to make sure if we need to make any changes because things are always changes. Things go up and down. So what I would like to do, if you are happy for me to do so and it doesn't cost anything extra, it's all part of the fee, is after today, I would like to go I just do a bit of a a refresher just to see how all your individual investments are going, if there is any that we maybe want to switch out to something else that is going to give you a bit more growth and more better position for the future. Are you happy for me to do that? Yeah.\n\nYeah. Perfect. Yeah. And it's good to do it is good to do every now and then, and especially now recently with everything going on in the market. We wanna make sure that everything continues to align with you and that we do have you in the best investment option.\n\nSo I will go and do that. Now no. That's okay. Now I can see here that you don't have any insurances at the moment. Don't really have any, you know, mortgage or debt or anything through to pay out.\n\nBut are you still happy without insurances? Yep. Yeah. Yeah. Yeah.\n\nNo. That makes sense. Now the last thing is that when you have a bit more time later, have a look through your emails. Have a look through the spam folder just to keep a lookout for that email. What that shows you is those documents I just kind of discussed with you so you can see it in front of you, but it will also ask you to sign through documents if you are happy with that.\n\nNow what they are is an ongoing service agreement. That is the same every single year, and it is a requirement where you have to sign and agree that you are happy to stay on as the client. Now there is no changes in the fee structure. It stays exactly the same at last year. 1.65 from super.\n\nNo changes whatsoever in regards to that, which is great. And then the last one is just a tax file number form. It is just a compliance form to say that we are keeping your tax file number secure and safe on file. Does that all make sense? Yeah.\n\nPerfect. So when you have a moment, have a look through your inbox, so just your email, and you you will see this email from myself, Veronica. It will say click here to sign now. You will see those documents. If you're happy, add a little signature.\n\nIt will then automatically send it back to me once you have signed it, and I can get all of that processed. But while I do also have you on the phone, just so that I can go through the research I do on your investments, which shouldn't take too long, when is a good time for for me to give you another call just to go through if we want to make any changes to any investment? When is normally a best time for you? Fourteenth? Okay.\n\nYep. Let me have a look. Yes. I can do Wednesday the so July 15. Yes.\n\nWould you prefer morning or afternoon? You'll be home in the morning? Yes. Yes. Morning.\n\nWould you prefer 09:00 or 10:00? 10:00. Yeah. So you can have a bit of sleep in if you're a bit jet lagged. Well, that is all booked in.\n\nSo I'll book that in on Wednesday, July 15 at 10AM. In the meantime, have a look through your email, have a look through those documents, and I will also get my colleague, Whitlam, to send you a separate email with your login instructions so that you can go and access your super as well yourself whenever you want to. Yeah. No. That is no problem.\n\nNow that was everything that I needed to kind of touch on with you today. But do you have any other questions for me at this point otherwise? Not really? Yes. Yeah.\n\nExactly. And if you do have any questions at any point in time, you can always write them down and ask me on the fifteenth, but you can always send me an email or call the office whenever you want to as well. Okay? Yep. No problem at all.\n\nIt was lovely speaking with you. Thank you so much, and I enjoy your holiday. And I will speak to you on Wednesday, July 15. No worries. We'll speak soon.\n\nOkay. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.52,"end":2.24,"sentiment":"neutral","sentiment_score":0.2740318477153778},{"text":"This is Veronica from Oakview Financial.","start":2.24,"end":4.18,"sentiment":"neutral","sentiment_score":0.2326477294166883},{"text":"How are you?","start":4.3199997,"end":5.06,"sentiment":"neutral","sentiment_score":0.18298540016015372},{"text":"That's good.","start":6.8799996,"end":7.7799997,"sentiment":"positive","sentiment_score":0.7116163372993469},{"text":"I had to book in to go over your annual review.","start":8.32,"end":10.88,"sentiment":"neutral","sentiment_score":0.28666709769855847}],"sentiment":"neutral","sentiment_score":0.294561542570591,"num_words":24,"start":1.52,"end":10.88},{"sentences":[{"text":"Is now still a good time for you, or you're a bit busy?","start":10.88,"end":13.62,"sentiment":"neutral","sentiment_score":0.10627291007683827},{"text":"Okay.","start":18.145,"end":18.645,"sentiment":"neutral","sentiment_score":0.12080971896648408},{"text":"Perfect.","start":18.785,"end":19.285,"sentiment":"neutral","sentiment_score":0.27949437499046326},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.904999,"end":27.605,"sentiment":"neutral","sentiment_score":0.034546891355822826},{"text":"Perfect.","start":29.41,"end":29.91,"sentiment":"neutral","sentiment_score":0.21181070804595947}],"sentiment":"neutral","sentiment_score":0.06656716627379258,"num_words":45,"start":10.88,"end":29.91},{"sentences":[{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":29.97,"end":40.39,"sentiment":"neutral","sentiment_score":0.08157171506215544},{"text":"Yep.","start":44.204998,"end":44.704998,"sentiment":"neutral","sentiment_score":0.03694537281990051},{"text":"Yep.","start":50.125,"end":50.625,"sentiment":"neutral","sentiment_score":0.01610078662633896},{"text":"Perfect.","start":52.605,"end":53.105,"sentiment":"neutral","sentiment_score":0.17492890357971191},{"text":"And this address as well, please.","start":54.09,"end":56.03,"sentiment":"neutral","sentiment_score":0.07647361606359482}],"sentiment":"neutral","sentiment_score":0.08047104817490246,"num_words":43,"start":29.97,"end":56.03},{"sentences":[{"text":"Okay.","start":69.465,"end":69.784996,"sentiment":"neutral","sentiment_score":0.04606873542070389},{"text":"Perfect.","start":69.784996,"end":70.284996,"sentiment":"neutral","sentiment_score":0.056674323976039886},{"text":"I might need to update that because I have a slightly different address.","start":71.305,"end":74.765,"sentiment":"neutral","sentiment_score":-0.04471799788566736},{"text":"So can you just confirm your new address again, sorry, for me?","start":76.024994,"end":79.485,"sentiment":"neutral","sentiment_score":-0.008037987009932598},{"text":"Yep.","start":83.01,"end":83.51,"sentiment":"neutral","sentiment_score":0.001896524685434997}],"sentiment":"neutral","sentiment_score":-0.020469651162524576,"num_words":28,"start":69.465,"end":83.51},{"sentences":[{"text":"Road.","start":83.97,"end":84.47,"sentiment":"neutral","sentiment_score":0.003835407318547368},{"text":"Blacktown Road.","start":88.770004,"end":90.71,"sentiment":"neutral","sentiment_score":0.008964273612946272},{"text":"Yep.","start":91.01,"end":91.51,"sentiment":"neutral","sentiment_score":0.006113603711128235},{"text":"Seven yeah.","start":94.225,"end":96.965004,"sentiment":"neutral","sentiment_score":0.010093717370182276},{"text":"2147.","start":100.545,"end":104.005005,"sentiment":"neutral","sentiment_score":0.016805462539196014}],"sentiment":"neutral","sentiment_score":0.009267207933589816,"num_words":7,"start":83.97,"end":104.005005},{"sentences":[{"text":"Perfect.","start":107.0,"end":107.5,"sentiment":"positive","sentiment_score":0.3603659868240357},{"text":"Thank you so much.","start":107.64,"end":109.02,"sentiment":"positive","sentiment_score":0.5690810084342957},{"text":"I will get that updated for you.","start":109.159996,"end":112.06,"sentiment":"positive","sentiment_score":0.4258701077529362},{"text":"Now before I do kind of get started on things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like to focus on or just a bit of an update and see where everything's at?","start":114.03999,"end":129.295,"sentiment":"neutral","sentiment_score":0.01777295597518484},{"text":"Yeah.","start":138.49,"end":138.99,"sentiment":"neutral","sentiment_score":-0.07154522836208344}],"sentiment":"neutral","sentiment_score":0.09710410700193536,"num_words":67,"start":107.0,"end":138.99},{"sentences":[{"text":"Okay.","start":146.265,"end":146.765,"sentiment":"neutral","sentiment_score":-0.043087154626846313},{"text":"And is that the emails from us, like newsletters or, like, from your superannuation with different investments or bit of both?","start":147.305,"end":157.65001,"sentiment":"neutral","sentiment_score":0.013511843447174345},{"text":"Okay.","start":162.43001,"end":162.93001,"sentiment":"neutral","sentiment_score":0.029288727790117264},{"text":"Yep.","start":164.83,"end":165.33,"sentiment":"neutral","sentiment_score":0.2647586166858673},{"text":"Perfect.","start":165.71,"end":166.21,"sentiment":"positive","sentiment_score":0.6224521398544312}],"sentiment":"neutral","sentiment_score":0.046286441683769226,"num_words":25,"start":146.265,"end":166.21},{"sentences":[{"text":"I'll have a look with IT if there's a bug or something, if you if you only receive the emails every now and then, just to make sure everything is up to date so that you do receive all our emails.","start":167.87001,"end":178.775,"sentiment":"neutral","sentiment_score":0.20008554636705211},{"text":"Yep.","start":180.355,"end":180.855,"sentiment":"neutral","sentiment_score":0.2681608200073242},{"text":"Yeah.","start":181.075,"end":181.555,"sentiment":"positive","sentiment_score":0.3626663088798523},{"text":"Perfect.","start":181.555,"end":182.055,"sentiment":"positive","sentiment_score":0.5253385901451111},{"text":"Now the first thing I will go through there with you, it is just a bit of an updated fact find just to see if there is anything major that has changed in your life.","start":183.39,"end":193.09,"sentiment":"neutral","sentiment_score":0.1280278816819191}],"sentiment":"neutral","sentiment_score":0.17519808834112144,"num_words":79,"start":167.87001,"end":193.09},{"sentences":[{"text":"If we need to make any changes to your advice or anything, So just bear with me as I kind of run through this information.","start":193.39,"end":200.30501,"sentiment":"neutral","sentiment_score":0.03798030376434326},{"text":"Now when it comes to your personal information, I have you down here as a single with one financial dependent.","start":202.125,"end":211.905,"sentiment":"neutral","sentiment_score":0.03208413729444146},{"text":"Is that correct?","start":212.25,"end":213.23,"sentiment":"neutral","sentiment_score":0.04072338839371999},{"text":"Yep.","start":214.81,"end":215.31,"sentiment":"neutral","sentiment_score":0.0288003534078598},{"text":"Now I don't actually have a next up PIN on file for you, and that can be anybody.","start":215.69,"end":222.11,"sentiment":"neutral","sentiment_score":-0.05669899905721346}],"sentiment":"neutral","sentiment_score":0.010769833963531168,"num_words":67,"start":193.39,"end":222.11},{"sentences":[{"text":"Just in the event that for some reason we cannot get in touch with you at all, it is just someone that we can call just to make sure that you're okay.","start":223.21,"end":231.515,"sentiment":"neutral","sentiment_score":-0.05688908346928656},{"text":"And like I said, that can be anybody.","start":231.895,"end":233.835,"sentiment":"neutral","sentiment_score":0.026476555038243532},{"text":"Do you have anyone you would like to nominate just as a next of kin?","start":233.895,"end":238.075,"sentiment":"neutral","sentiment_score":0.026425040016571682},{"text":"Yeah.","start":259.685,"end":260.085,"sentiment":"neutral","sentiment_score":-0.16553686559200287},{"text":"No.","start":260.085,"end":260.585,"sentiment":"neutral","sentiment_score":-0.28457367420196533}],"sentiment":"neutral","sentiment_score":-0.029164441583449382,"num_words":57,"start":223.21,"end":260.585},{"sentences":[{"text":"Next NextUp came, they don't have access to anything.","start":260.805,"end":264.665,"sentiment":"neutral","sentiment_score":-0.29069993727737004},{"text":"They can't claim anything.","start":264.805,"end":266.425,"sentiment":"negative","sentiment_score":-0.3365504965186119},{"text":"It is just a point of contact if we can't get in touch with you.","start":266.87,"end":271.43002,"sentiment":"neutral","sentiment_score":-0.30435883402824404},{"text":"So it's not going to that person.","start":271.43002,"end":273.45,"sentiment":"neutral","sentiment_score":-0.31455250297273907},{"text":"They don't have any authority to make any changes in your account or anything like that.","start":273.91,"end":278.73,"sentiment":"negative","sentiment_score":-0.3335572984069586}],"sentiment":"neutral","sentiment_score":-0.3150327103395088,"num_words":51,"start":260.805,"end":278.73},{"sentences":[{"text":"It is literally just like an emergency that if we try calling you and emailing you, we just can't get in touch with you.","start":278.97498,"end":286.655,"sentiment":"neutral","sentiment_score":-0.2881708722561598},{"text":"It is just someone that you know that we can call to see and make sure you're okay.","start":286.655,"end":292.81,"sentiment":"neutral","sentiment_score":-0.16426322112480798},{"text":"But they don't have actually access to anything or anything.","start":292.81,"end":296.03,"sentiment":"neutral","sentiment_score":-0.20665377229452134},{"text":"No.","start":302.09,"end":302.59,"sentiment":"neutral","sentiment_score":-0.2046060860157013},{"text":"No.","start":302.81,"end":303.31,"sentiment":"neutral","sentiment_score":-0.2229875326156616}],"sentiment":"neutral","sentiment_score":-0.22901796770316582,"num_words":54,"start":278.97498,"end":303.31},{"sentences":[{"text":"Yeah.","start":304.325,"end":304.725,"sentiment":"neutral","sentiment_score":-0.15599913895130155},{"text":"No.","start":304.725,"end":305.20502,"sentiment":"neutral","sentiment_score":-0.2931731343269348},{"text":"They can't do anything.","start":305.20502,"end":306.585,"sentiment":"negative","sentiment_score":-0.4066549316048622},{"text":"It is literally just just another phone number, and we just to just to check-in on you.","start":306.965,"end":314.005,"sentiment":"neutral","sentiment_score":-0.2811173130484188},{"text":"If for some reason we can't get in touch with you, that's it.","start":314.005,"end":316.95,"sentiment":"negative","sentiment_score":-0.34603986144065857}],"sentiment":"neutral","sentiment_score":-0.31536957000692684,"num_words":36,"start":304.325,"end":316.95},{"sentences":[{"text":"They don't have access to anything.","start":316.95,"end":318.81,"sentiment":"negative","sentiment_score":-0.4212839404741923},{"text":"They don't have claim for anything.","start":318.87,"end":320.81,"sentiment":"negative","sentiment_score":-0.41642876466115314},{"text":"Nothing like that.","start":321.27,"end":322.33,"sentiment":"negative","sentiment_score":-0.3840602437655131},{"text":"Yep.","start":328.15,"end":328.65,"sentiment":"neutral","sentiment_score":0.009319325909018517},{"text":"How do you spell that?","start":332.135,"end":333.435,"sentiment":"neutral","sentiment_score":0.0013663345947861672}],"sentiment":"neutral","sentiment_score":-0.29344314110598396,"num_words":21,"start":316.95,"end":333.435},{"sentences":[{"text":"Yep.","start":333.735,"end":334.235,"sentiment":"neutral","sentiment_score":0.002996396739035845},{"text":"Yep.","start":336.135,"end":336.635,"sentiment":"neutral","sentiment_score":0.009981990791857244},{"text":"Perfect.","start":344.15002,"end":344.65002,"sentiment":"neutral","sentiment_score":0.23354904353618625},{"text":"And do you know their phone number by any chance?","start":345.27002,"end":348.81,"sentiment":"neutral","sentiment_score":0.03661312684416771},{"text":"Yeah.","start":352.63,"end":352.95,"sentiment":"neutral","sentiment_score":-0.032780252397060394}],"sentiment":"neutral","sentiment_score":0.04141988907940686,"num_words":14,"start":333.735,"end":352.95},{"sentences":[{"text":"Sure.","start":352.95,"end":353.35,"sentiment":"neutral","sentiment_score":-0.05249555408954621},{"text":"You can.","start":353.35,"end":353.955,"sentiment":"neutral","sentiment_score":-0.0626510214060545},{"text":"No.","start":354.435,"end":354.675,"sentiment":"neutral","sentiment_score":-0.045861344784498215},{"text":"That's okay.","start":354.675,"end":355.395,"sentiment":"neutral","sentiment_score":0.018443788401782513},{"text":"You can always email it to us or call us up later and just just provide the number, whatever works for you.","start":355.395,"end":362.275,"sentiment":"neutral","sentiment_score":0.04624613814733245}],"sentiment":"neutral","sentiment_score":0.029665845512811626,"num_words":28,"start":352.95,"end":362.275},{"sentences":[{"text":"Yep.","start":362.275,"end":362.775,"sentiment":"neutral","sentiment_score":0.05430161952972412},{"text":"And can can I just ask the relationship of that person to you just so I have that on record?","start":363.07498,"end":368.215,"sentiment":"neutral","sentiment_score":0.10768894180655479},{"text":"Oh, beautiful.","start":371.08,"end":371.9,"sentiment":"neutral","sentiment_score":0.3330923616886139},{"text":"Thank you.","start":372.03998,"end":372.86,"sentiment":"neutral","sentiment_score":0.32186879217624664},{"text":"Would you like me to update your marital status as engaged?","start":373.96,"end":377.74,"sentiment":"neutral","sentiment_score":0.10924891179258173}],"sentiment":"neutral","sentiment_score":0.13110391091969278,"num_words":36,"start":362.275,"end":377.74},{"sentences":[{"text":"Or yes.","start":378.19998,"end":380.94,"sentiment":"neutral","sentiment_score":0.05356651730835438},{"text":"Yes.","start":381.565,"end":382.045,"sentiment":"neutral","sentiment_score":0.1453680843114853},{"text":"Perfect.","start":382.045,"end":382.525,"sentiment":"neutral","sentiment_score":0.3248606324195862},{"text":"Well, congratulations.","start":382.525,"end":383.345,"sentiment":"neutral","sentiment_score":0.3147411346435547},{"text":"When did you guys get engaged?","start":383.80502,"end":385.42502,"sentiment":"neutral","sentiment_score":0.09493411580721538}],"sentiment":"neutral","sentiment_score":0.14803739295651516,"num_words":12,"start":378.19998,"end":385.42502},{"sentences":[{"text":"No.","start":393.245,"end":393.48502,"sentiment":"neutral","sentiment_score":-0.2389792799949646},{"text":"It cost a lot.","start":393.48502,"end":394.625,"sentiment":"neutral","sentiment_score":-0.21414726227521896},{"text":"It does.","start":394.685,"end":395.345,"sentiment":"neutral","sentiment_score":-0.11673355102539062},{"text":"No.","start":397.87,"end":398.19,"sentiment":"neutral","sentiment_score":-0.05089322105050087},{"text":"Beautiful.","start":398.19,"end":398.69,"sentiment":"neutral","sentiment_score":0.09379026293754578}],"sentiment":"neutral","sentiment_score":-0.1429042654732863,"num_words":9,"start":393.245,"end":398.69},{"sentences":[{"text":"Otherwise, when it comes through, obviously, your superannuation, if something were to 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going?","start":560.43,"end":561.09,"sentiment":"neutral","sentiment_score":0.1274058185517788}],"sentiment":"neutral","sentiment_score":-0.001900548632774088,"num_words":18,"start":552.975,"end":561.09},{"sentences":[{"text":"Okay.","start":561.39,"end":561.89,"sentiment":"neutral","sentiment_score":0.030196700245141983},{"text":"But when it comes to how much they are paying you into superannuation, is that just like the standard rules, or do you know if they pay you any a deck extra 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cash.","start":661.26996,"end":662.47,"sentiment":"neutral","sentiment_score":-0.042192462366074324},{"text":"Yeah.","start":662.47,"end":662.87,"sentiment":"neutral","sentiment_score":0.07487991452217102},{"text":"Perfect.","start":662.87,"end":663.37,"sentiment":"neutral","sentiment_score":0.17804467678070068}],"sentiment":"neutral","sentiment_score":-0.01789455324411392,"num_words":25,"start":653.21497,"end":663.37},{"sentences":[{"text":"Do you have any other assets?","start":663.43,"end":665.13,"sentiment":"neutral","sentiment_score":0.050387222009400524},{"text":"Any other?","start":665.67,"end":666.49,"sentiment":"neutral","sentiment_score":0.004898502491414547},{"text":"No.","start":666.965,"end":667.465,"sentiment":"neutral","sentiment_score":-0.009783094748854635},{"text":"Perfect.","start":667.72504,"end":668.22504,"sentiment":"neutral","sentiment_score":0.0524563193321228},{"text":"Any other liabilities, like any personal loans or credit card or 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whatever you feel is the most appropriate for you when it comes to your superannuation.","start":825.47,"end":834.745,"sentiment":"neutral","sentiment_score":0.1281551745533943},{"text":"Does that make sense?","start":835.28503,"end":836.505,"sentiment":"neutral","sentiment_score":0.06161764031276107}],"sentiment":"neutral","sentiment_score":0.16778350918929077,"num_words":67,"start":806.66504,"end":836.505},{"sentences":[{"text":"No.","start":840.72504,"end":841.04504,"sentiment":"neutral","sentiment_score":-0.29144740104675293},{"text":"That's okay.","start":841.04504,"end":841.685,"sentiment":"neutral","sentiment_score":-0.1330559402704239},{"text":"So what so what I'm going I'm going to ask you a couple of questions, and I'm going to give you a couple of answers to go with the question, and you just let me know whichever you feel is right for you.","start":841.685,"end":856.5,"sentiment":"neutral","sentiment_score":0.0828578102207461},{"text":"Okay.","start":858.90497,"end":859.40497,"sentiment":"neutral","sentiment_score":0.07480315864086151},{"text":"And it's all just theory.","start":859.945,"end":861.865,"sentiment":"neutral","sentiment_score":0.08692055195569992}],"sentiment":"neutral","sentiment_score":0.0675910091600739,"num_words":52,"start":840.72504,"end":861.865},{"sentences":[{"text":"So it's just just questions for me to gauge how you are feeling about investments and market fluctuations.","start":861.865,"end":868.445,"sentiment":"neutral","sentiment_score":0.0825959083934625},{"text":"It's not actually making a decision to do anything.","start":869.305,"end":872.285,"sentiment":"neutral","sentiment_score":-0.018455532896849845},{"text":"It is just how you feel about a situation.","start":872.64,"end":874.9,"sentiment":"neutral","sentiment_score":0.015068748758898841},{"text":"Yep.","start":877.68,"end":878.18,"sentiment":"neutral","sentiment_score":0.10376708209514618},{"text":"Yeah.","start":880.64,"end":881.14,"sentiment":"neutral","sentiment_score":0.12459252774715424}],"sentiment":"neutral","sentiment_score":0.04433170799165964,"num_words":38,"start":861.865,"end":881.14},{"sentences":[{"text":"Yep.","start":885.28,"end":885.78,"sentiment":"neutral","sentiment_score":0.23736926913261416},{"text":"Yeah.","start":886.115,"end":886.615,"sentiment":"neutral","sentiment_score":0.2213587760925293},{"text":"Yeah.","start":887.315,"end":887.815,"sentiment":"neutral","sentiment_score":0.28590571880340576},{"text":"Yeah.","start":888.27496,"end":888.77496,"sentiment":"neutral","sentiment_score":0.31288325786590576},{"text":"That's good.","start":889.075,"end":889.975,"sentiment":"positive","sentiment_score":0.4359224736690521}],"sentiment":"neutral","sentiment_score":0.3215603282054265,"num_words":6,"start":885.28,"end":889.975},{"sentences":[{"text":"Now have you ever bought direct shares on the stock market yourself?","start":891.15497,"end":897.33496,"sentiment":"neutral","sentiment_score":0.06763660969833533},{"text":"Have you ever done any personal investing or anything like that?","start":897.635,"end":901.735,"sentiment":"neutral","sentiment_score":0.03074171749705618},{"text":"No.","start":902.73004,"end":903.23004,"sentiment":"neutral","sentiment_score":-0.1990651786327362},{"text":"No.","start":904.49,"end":904.73004,"sentiment":"neutral","sentiment_score":-0.19010037183761597},{"text":"That's okay.","start":904.73004,"end":905.63,"sentiment":"neutral","sentiment_score":-0.04898711480200291}],"sentiment":"neutral","sentiment_score":0.024542904769380886,"num_words":27,"start":891.15497,"end":905.63},{"sentences":[{"text":"And at the moment, when do you think you would like to retire or start drawing an income from your superannuation?","start":907.13,"end":917.205,"sentiment":"neutral","sentiment_score":-0.01780337667358773},{"text":"Mhmm.","start":924.945,"end":925.445,"sentiment":"neutral","sentiment_score":-0.04191338270902634},{"text":"Mhmm.","start":926.95996,"end":927.45996,"sentiment":"neutral","sentiment_score":-0.0322704091668129},{"text":"Yep.","start":935.6,"end":936.1,"sentiment":"neutral","sentiment_score":0.015793420374393463},{"text":"And when when do you when do you think you would like to stop working?","start":936.63995,"end":942.83496,"sentiment":"neutral","sentiment_score":-0.044779176265001296}],"sentiment":"neutral","sentiment_score":-0.028306382708251476,"num_words":39,"start":907.13,"end":942.83496},{"sentences":[{"text":"Uh-huh.","start":947.615,"end":947.77496,"sentiment":"neutral","sentiment_score":0.005906561855226755},{"text":"Yep.","start":947.77496,"end":948.175,"sentiment":"neutral","sentiment_score":0.10050754249095915},{"text":"Perfect.","start":948.175,"end":948.675,"sentiment":"neutral","sentiment_score":0.06517409533262253},{"text":"So still still got about ten years or so, if not longer.","start":948.815,"end":951.955,"sentiment":"neutral","sentiment_score":-0.021308811226238806},{"text":"Yeah.","start":952.735,"end":953.235,"sentiment":"neutral","sentiment_score":0.05114517733454704}],"sentiment":"neutral","sentiment_score":-0.002060772356344387,"num_words":16,"start":947.615,"end":953.235},{"sentences":[{"text":"Yeah.","start":955.41,"end":955.91,"sentiment":"neutral","sentiment_score":0.17212286591529846},{"text":"Yeah.","start":956.20996,"end":956.70996,"sentiment":"neutral","sentiment_score":0.22538697719573977},{"text":"Now when you do turn 60, you can access some of your superannuation completely tax free if you would like or if you need to.","start":957.97,"end":972.765,"sentiment":"positive","sentiment_score":0.33868600845336916},{"text":"So when you do turn 60, there's different strategies and stuff that we can work towards together if you want or need some some money from superannuation.","start":973.145,"end":984.445,"sentiment":"positive","sentiment_score":0.3525033521431464},{"text":"So keep that in mind as well.","start":985.30505,"end":986.64,"sentiment":"neutral","sentiment_score":0.27685059181281496}],"sentiment":"neutral","sentiment_score":0.33311810991803154,"num_words":61,"start":955.41,"end":986.64},{"sentences":[{"text":"So when you do ten sixty, if there is anything if you need anything, there are some rules about how much you can take if you're still working, but we can kind of work with you on that if that is something that you need.","start":986.64,"end":1000.18,"sentiment":"neutral","sentiment_score":0.1952720315919982},{"text":"Yeah.","start":1002.685,"end":1003.185,"sentiment":"positive","sentiment_score":0.4838912785053253},{"text":"Yeah.","start":1004.685,"end":1005.08496,"sentiment":"positive","sentiment_score":0.4659159183502197},{"text":"So and and it's very tax effective as well because superannuation is very tax effective in that you can draw about 10% max per year completely tax free between 60 and 65 if you still work.","start":1005.08496,"end":1022.4,"sentiment":"positive","sentiment_score":0.4236238987909423},{"text":"So we can kinda work with that with you when you turn 60.","start":1022.54004,"end":1026.38,"sentiment":"neutral","sentiment_score":0.32270613656594205}],"sentiment":"neutral","sentiment_score":0.3039863411492358,"num_words":96,"start":986.64,"end":1026.38},{"sentences":[{"text":"So keep that in your back pocket.","start":1026.38,"end":1028.0,"sentiment":"neutral","sentiment_score":0.32093477674892973},{"text":"I'll make a little note as well, and we can always reassess that for you.","start":1028.175,"end":1032.675,"sentiment":"neutral","sentiment_score":0.21251643697420755},{"text":"Yeah.","start":1034.255,"end":1034.755,"sentiment":"neutral","sentiment_score":-0.08047287166118622},{"text":"Yes.","start":1039.6951,"end":1040.1951,"sentiment":"neutral","sentiment_score":0.05705210566520691},{"text":"And, otherwise, I have here that when you do decide to retire completely, that on a a weekly basis, so how much money you need from superannuation to support your lifestyle and finances and everything, that, ideally, about a thousand dollars per week is sufficient.","start":1042.0499,"end":1066.645,"sentiment":"neutral","sentiment_score":0.1462885891397794}],"sentiment":"neutral","sentiment_score":0.1738239961905756,"num_words":69,"start":1026.38,"end":1066.645},{"sentences":[{"text":"Is that still the case, or do you think you need closer to maybe, like, 1,500 similar to what you are receiving at the moment?","start":1067.62,"end":1075.88,"sentiment":"neutral","sentiment_score":0.07695689171552658},{"text":"Yes.","start":1079.38,"end":1079.62,"sentiment":"neutral","sentiment_score":0.270438015460968},{"text":"You it's it's just a goal.","start":1079.62,"end":1081.685,"sentiment":"positive","sentiment_score":0.35305604338645935},{"text":"So what it is, it is just a goal for us to try to help achieve for you.","start":1081.685,"end":1086.905,"sentiment":"positive","sentiment_score":0.4369465559720993},{"text":"So if you you can tell me whatever amount you you want, and we can kinda work with that for you.","start":1087.285,"end":1093.865,"sentiment":"neutral","sentiment_score":0.30243888178042005}],"sentiment":"neutral","sentiment_score":0.26097114216273937,"num_words":71,"start":1067.62,"end":1093.865},{"sentences":[{"text":"So if you wanna look at maybe about 1,500 to give you a little bit buffer, I can just put it down.","start":1094.12,"end":1100.2001,"sentiment":"neutral","sentiment_score":0.1318841583349488},{"text":"It doesn't mean you have to take it.","start":1100.2001,"end":1102.14,"sentiment":"neutral","sentiment_score":0.11959819216281176},{"text":"It just means that it's a a bit of a goal to strive towards that might, you know, be a little bit more suitable with, you know, the the rising cost and expenses and everything since we spoke to you last.","start":1102.36,"end":1114.345,"sentiment":"neutral","sentiment_score":0.11404195900370435},{"text":"That'd be good.","start":1118.485,"end":1119.465,"sentiment":"positive","sentiment_score":0.4799448351065318},{"text":"Yeah.","start":1119.765,"end":1120.265,"sentiment":"neutral","sentiment_score":0.24144980311393735}],"sentiment":"neutral","sentiment_score":0.13620322197675705,"num_words":75,"start":1094.12,"end":1120.265},{"sentences":[{"text":"Yeah.","start":1121.88,"end":1122.36,"sentiment":"neutral","sentiment_score":0.1568230539560318},{"text":"Now, also, when it comes to the level of risk that you are comfortable with, when it comes to flux when it comes to your superannuation, so how much fluctuations and stuff that you are comfortable with.","start":1122.36,"end":1135.26,"sentiment":"neutral","sentiment_score":0.04503005471181225},{"text":"Now would you say that you are a very high risk taker, just high, more moderate to somewhere in the middle, or a small risk taker when it comes to your superannuation.","start":1136.185,"end":1151.84,"sentiment":"neutral","sentiment_score":0.05277483613463119},{"text":"In the middle?","start":1156.14,"end":1156.86,"sentiment":"neutral","sentiment_score":0.06387960910797119},{"text":"Yep.","start":1156.86,"end":1157.26,"sentiment":"neutral","sentiment_score":0.31071004271507263}],"sentiment":"neutral","sentiment_score":0.0542443068194631,"num_words":74,"start":1121.88,"end":1157.26},{"sentences":[{"text":"Perfect.","start":1157.26,"end":1157.76,"sentiment":"positive","sentiment_score":0.50300133228302},{"text":"And when it comes to fluctuations in the market.","start":1159.26,"end":1163.28,"sentiment":"neutral","sentiment_score":0.028170001175668504},{"text":"So sometimes markets can fluctuate depending on what is going on in the world.","start":1163.635,"end":1168.215,"sentiment":"neutral","sentiment_score":-0.05873645150235721},{"text":"Sometimes investments drop in value, and sometimes they increase in value.","start":1169.475,"end":1174.375,"sentiment":"neutral","sentiment_score":-0.18077468397942456},{"text":"Now if something were to be down, so if an investment is down at the moment because something is happening in the world, would you say that, oh, now it's potentially a good opportunity to put a little bit more into that option while the prices are cheaper?","start":1175.155,"end":1193.625,"sentiment":"neutral","sentiment_score":-0.02137520645434658}],"sentiment":"neutral","sentiment_score":-0.03711217363555747,"num_words":83,"start":1157.26,"end":1193.625},{"sentences":[{"text":"Or would you kind of be a bit neutral, just kind of leave it and kind of see what happens?","start":1194.245,"end":1200.105,"sentiment":"neutral","sentiment_score":-0.002531575784087181},{"text":"Or would you just leave it neutral?","start":1201.125,"end":1204.345,"sentiment":"neutral","sentiment_score":0.021506967023015022},{"text":"Yeah.","start":1205.19,"end":1205.69,"sentiment":"neutral","sentiment_score":0.01399332657456398},{"text":"Correct.","start":1207.11,"end":1207.61,"sentiment":"neutral","sentiment_score":0.029856476932764053},{"text":"Exactly.","start":1208.71,"end":1209.21,"sentiment":"neutral","sentiment_score":0.03406049683690071}],"sentiment":"neutral","sentiment_score":0.005927585127453009,"num_words":30,"start":1194.245,"end":1209.21},{"sentences":[{"text":"And if anything were to fall temporarily for you, which is natural, which does happen, would you say that you would, again, be kind of kind of a bit cautious, neutral, not making further investments, or just neutral?","start":1210.1499,"end":1227.325,"sentiment":"neutral","sentiment_score":-0.04970905826868195},{"text":"Yes.","start":1228.025,"end":1228.525,"sentiment":"neutral","sentiment_score":0.03814415633678436},{"text":"And last question here is in regards to borrowing money.","start":1228.985,"end":1232.845,"sentiment":"neutral","sentiment_score":-0.008370088413357735},{"text":"So would you ever consider taking out a loan to do personal investments?","start":1233.71,"end":1240.05,"sentiment":"neutral","sentiment_score":-0.061466689149920754},{"text":"No.","start":1241.9501,"end":1242.4501,"sentiment":"neutral","sentiment_score":-0.08376281708478928}],"sentiment":"neutral","sentiment_score":-0.044719535206991526,"num_words":63,"start":1210.1499,"end":1242.4501},{"sentences":[{"text":"Would you ever con no.","start":1242.83,"end":1244.99,"sentiment":"neutral","sentiment_score":-0.26578320264816285},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":1244.99,"end":1248.77,"sentiment":"neutral","sentiment_score":-0.18115483109767622},{"text":"No.","start":1249.9049,"end":1250.4049,"sentiment":"neutral","sentiment_score":-0.14111995697021484},{"text":"Would you take out a loan to buy a property for yourself to live in?","start":1250.465,"end":1254.005,"sentiment":"neutral","sentiment_score":-0.0771791823208332},{"text":"Yep.","start":1255.585,"end":1256.085,"sentiment":"neutral","sentiment_score":0.1071348488330841}],"sentiment":"neutral","sentiment_score":-0.1393029045845781,"num_words":35,"start":1242.83,"end":1256.085},{"sentences":[{"text":"That's what you want?","start":1256.3849,"end":1257.445,"sentiment":"neutral","sentiment_score":-0.017977889627218246},{"text":"Yeah.","start":1258.3049,"end":1258.8049,"sentiment":"neutral","sentiment_score":0.10812003910541534},{"text":"Perfect.","start":1260.225,"end":1260.725,"sentiment":"positive","sentiment_score":0.5201312303543091},{"text":"Now that tells me here that from those questions, you have come out as someone that we call a growth investor.","start":1260.945,"end":1269.6,"sentiment":"neutral","sentiment_score":0.21237741623606002},{"text":"Now that aligns with the portfolio that we currently have you invested in.","start":1270.62,"end":1276.7,"sentiment":"neutral","sentiment_score":0.1504659692828472}],"sentiment":"neutral","sentiment_score":0.17430807631462814,"num_words":40,"start":1256.3849,"end":1276.7},{"sentences":[{"text":"So they match, which is good.","start":1276.7,"end":1278.405,"sentiment":"positive","sentiment_score":0.40255413949489594},{"text":"But do you remember what it means to be a growth investor at all?","start":1278.9651,"end":1284.745,"sentiment":"neutral","sentiment_score":0.07523821294307709},{"text":"Yes?","start":1288.3251,"end":1288.8251,"sentiment":"neutral","sentiment_score":0.06786622107028961},{"text":"Yeah.","start":1294.1001,"end":1294.6001,"sentiment":"neutral","sentiment_score":0.092006154358387},{"text":"So, basically, because there's a lot of different options depending on the level of fluctuations.","start":1295.2201,"end":1300.6001,"sentiment":"neutral","sentiment_score":0.04784813448786736}],"sentiment":"neutral","sentiment_score":0.11746633002484166,"num_words":37,"start":1276.7,"end":1300.6001},{"sentences":[{"text":"So in a growth investor, it is somewhere in the middle of the scale.","start":1301.54,"end":1305.275,"sentiment":"neutral","sentiment_score":0.10760917354907308},{"text":"So you're not, like, aggressive or super high risk or high risk.","start":1305.275,"end":1310.395,"sentiment":"neutral","sentiment_score":-0.1308907832329472},{"text":"It's more somewhere in the middle where you are wanting to focus on growing your superannuation while you still have time until you want to retire and stop working.","start":1310.395,"end":1321.22,"sentiment":"neutral","sentiment_score":0.06268786497671029},{"text":"But also understand that the market do go up and down a little bit, and there will be some of those kind of movements in the short term.","start":1322.88,"end":1331.7001,"sentiment":"neutral","sentiment_score":-0.10818213729986123},{"text":"Now when we are also then talking about how your money is invested is that, typically, you invest about 80% in what we call your growth investments.","start":1333.285,"end":1344.505,"sentiment":"neutral","sentiment_score":0.07348244830414101}],"sentiment":"neutral","sentiment_score":0.006442848863926801,"num_words":110,"start":1301.54,"end":1344.505},{"sentences":[{"text":"These are the ones that's going to grow your super the most.","start":1344.805,"end":1348.4299,"sentiment":"neutral","sentiment_score":0.24102907503644624},{"text":"We also fluctuate a little bit, and then we also wanna make sure we have some of that defensive component where you kind of stabilize everything.","start":1348.4299,"end":1357.97,"sentiment":"neutral","sentiment_score":0.1336066095301738},{"text":"So that can be, like, your gold, your fixed interest, for example, cash as well.","start":1358.0299,"end":1363.465,"sentiment":"neutral","sentiment_score":0.15400754263003666},{"text":"You're trying to limit those fluctuations a little bit, and that's about 20 or so percent.","start":1363.845,"end":1370.745,"sentiment":"neutral","sentiment_score":0.17519780807197094},{"text":"And at the same time, when we are wanting to make sure that you have enough time in the market for those little fluctuations to come back around, in a typical growth portfolio, we would like to see about six years or so until retirement.","start":1371.2849,"end":1387.1799,"sentiment":"neutral","sentiment_score":0.0722507555050672}],"sentiment":"neutral","sentiment_score":0.12921651591712266,"num_words":114,"start":1344.805,"end":1387.1799},{"sentences":[{"text":"And if you, at the moment, are planning on working to maybe 70, you do have that six year time frame as long as you are still kind of happy and comfortable with the way that things are going at the moment with your investment.","start":1388.005,"end":1401.945,"sentiment":"neutral","sentiment_score":0.32685430778397456},{"text":"Yes.","start":1404.01,"end":1404.41,"sentiment":"neutral","sentiment_score":0.3166468143463135},{"text":"Yeah.","start":1404.41,"end":1404.91,"sentiment":"positive","sentiment_score":0.3989295363426209},{"text":"Great.","start":1405.4501,"end":1405.9501,"sentiment":"positive","sentiment_score":0.7131643295288086},{"text":"Yeah.","start":1406.49,"end":1406.9701,"sentiment":"positive","sentiment_score":0.47973692417144775}],"sentiment":"positive","sentiment_score":0.33912084601363357,"num_words":49,"start":1388.005,"end":1406.9701},{"sentences":[{"text":"Perfect.","start":1406.9701,"end":1407.4701,"sentiment":"positive","sentiment_score":0.5882102847099304},{"text":"Now do you have access to your emails at the moment, or are you kind of on the go?","start":1408.17,"end":1413.23,"sentiment":"neutral","sentiment_score":0.035725164766374384},{"text":"Yes.","start":1415.785,"end":1416.1051,"sentiment":"neutral","sentiment_score":-0.004526844713836908},{"text":"Do you have access to emails or not really?","start":1416.1051,"end":1418.765,"sentiment":"neutral","sentiment_score":-0.03622734256916576},{"text":"No.","start":1420.3451,"end":1420.8451,"sentiment":"neutral","sentiment_score":-0.1665346622467041}],"sentiment":"neutral","sentiment_score":0.024834865328645515,"num_words":31,"start":1406.9701,"end":1420.8451},{"sentences":[{"text":"That's no.","start":1421.0651,"end":1425.785,"sentiment":"neutral","sentiment_score":-0.1421983614563942},{"text":"That's okay.","start":1425.785,"end":1426.685,"sentiment":"neutral","sentiment_score":-0.041534362360835075},{"text":"Okay.","start":1434.4401,"end":1434.9401,"sentiment":"neutral","sentiment_score":-0.00866200216114521},{"text":"Yeah.","start":1437.16,"end":1437.64,"sentiment":"neutral","sentiment_score":0.06111336499452591},{"text":"So what I have done is I have sent you an email.","start":1437.64,"end":1441.66,"sentiment":"neutral","sentiment_score":0.10087932584186395}],"sentiment":"neutral","sentiment_score":0.0497521014056272,"num_words":18,"start":1421.0651,"end":1441.66},{"sentences":[{"text":"Now I am okay for you to look at it later when, like, you're in front of a computer or when you have access through your email address.","start":1442.04,"end":1451.5349,"sentiment":"neutral","sentiment_score":0.14595268586916582},{"text":"It makes it a bit easier when you're not on the phone.","start":1452.955,"end":1455.615,"sentiment":"neutral","sentiment_score":0.20553671941161156},{"text":"So what I will do is I will just kind of briefly go over what those documents are.","start":1455.86,"end":1461.56,"sentiment":"neutral","sentiment_score":0.10870857660969098},{"text":"And then when you have a moment later, have a look through the document.","start":1461.9401,"end":1466.98,"sentiment":"neutral","sentiment_score":0.08837723146591868},{"text":"And if you have any questions when you look at them later, you just give me a callback.","start":1466.98,"end":1471.64,"sentiment":"neutral","sentiment_score":0.06998039326734012}],"sentiment":"neutral","sentiment_score":0.12229776150650448,"num_words":90,"start":1442.04,"end":1471.64},{"sentences":[{"text":"Okay?","start":1471.915,"end":1472.415,"sentiment":"neutral","sentiment_score":0.05131462961435318},{"text":"Yep.","start":1473.755,"end":1474.255,"sentiment":"neutral","sentiment_score":0.2341360300779343},{"text":"No.","start":1474.715,"end":1475.115,"sentiment":"neutral","sentiment_score":-0.09059849381446838},{"text":"That's so good.","start":1475.115,"end":1476.155,"sentiment":"neutral","sentiment_score":0.3224061181147893},{"text":"That's okay.","start":1476.155,"end":1476.975,"sentiment":"neutral","sentiment_score":0.21203967183828354}],"sentiment":"neutral","sentiment_score":0.19826873298734426,"num_words":8,"start":1471.915,"end":1476.975},{"sentences":[{"text":"Now you probably have gone through some of these before.","start":1478.395,"end":1482.255,"sentiment":"neutral","sentiment_score":0.06669728979468345},{"text":"It is pretty straightforward, but in the documents, you will see a Oakview services guide.","start":1482.795,"end":1490.5,"sentiment":"neutral","sentiment_score":0.08170070524017016},{"text":"It is one of those documents that gives you all the important information in regards to all of us here at Oakview.","start":1491.28,"end":1497.7001,"sentiment":"neutral","sentiment_score":0.11611452969637784},{"text":"None of the important information has changed, but we have had some updates to marketing.","start":1498.48,"end":1505.865,"sentiment":"neutral","sentiment_score":0.032307491575678186},{"text":"So we've had a bit of an updated photos and a bit more updated marketing.","start":1506.405,"end":1510.245,"sentiment":"neutral","sentiment_score":0.08951301748553912}],"sentiment":"neutral","sentiment_score":0.08148455539984363,"num_words":77,"start":1478.395,"end":1510.245},{"sentences":[{"text":"So if that is a document you wanna have a read over, that is all there for you.","start":1510.245,"end":1515.2899,"sentiment":"neutral","sentiment_score":0.1302707448679333},{"text":"And if you do have a look at it and you would like to know who you are speaking with today, I am also there on page 10 if you would like to put a face to the voice.","start":1515.35,"end":1527.53,"sentiment":"neutral","sentiment_score":0.07531771894830924},{"text":"Yep.","start":1529.695,"end":1530.095,"sentiment":"neutral","sentiment_score":0.3024619519710541},{"text":"Yeah.","start":1530.095,"end":1530.595,"sentiment":"neutral","sentiment_score":0.1913822591304779},{"text":"Now what you will also see, it is just an update on your superannuation.","start":1531.0549,"end":1536.915,"sentiment":"neutral","sentiment_score":0.09128019266894885}],"sentiment":"neutral","sentiment_score":0.09663056650785856,"num_words":73,"start":1510.245,"end":1536.915},{"sentences":[{"text":"So you have your superannuation with Hub twenty four.","start":1538.1749,"end":1543.84,"sentiment":"neutral","sentiment_score":0.09438899821705288},{"text":"We obviously manage it for you, but that is the platform where you have your superannuation.","start":1544.38,"end":1549.6,"sentiment":"neutral","sentiment_score":0.09819151880219579},{"text":"Do you have access to log in to your account, or it's not really something that you keep too much of an eye on?","start":1550.5399,"end":1557.015,"sentiment":"neutral","sentiment_score":-0.01215993034808586},{"text":"Okay.","start":1565.015,"end":1565.515,"sentiment":"neutral","sentiment_score":0.021187756210565567},{"text":"What you can do so when when you have a moment, you can access that.","start":1567.015,"end":1571.76,"sentiment":"neutral","sentiment_score":0.03960339166224003}],"sentiment":"neutral","sentiment_score":0.042214855193518676,"num_words":65,"start":1538.1749,"end":1571.76},{"sentences":[{"text":"You can access your account on either the the website or if you have a smartphone, you can download an app on your phone.","start":1571.76,"end":1580.26,"sentiment":"neutral","sentiment_score":0.11302463772396247},{"text":"That way you can check it there as well.","start":1580.4801,"end":1582.9,"sentiment":"neutral","sentiment_score":0.16119835360182655},{"text":"And how you log in is when you do go on the website, what I can do for you is I can get the team to send you an email with instructions and your login ID number.","start":1583.295,"end":1598.175,"sentiment":"neutral","sentiment_score":0.11996031794193629},{"text":"Would that be helpful?","start":1598.175,"end":1599.03,"sentiment":"neutral","sentiment_score":0.18953341990709305},{"text":"Yes.","start":1600.7101,"end":1601.2101,"sentiment":"neutral","sentiment_score":0.1825539618730545}],"sentiment":"neutral","sentiment_score":0.12723461190859478,"num_words":75,"start":1571.76,"end":1601.2101},{"sentences":[{"text":"That'd be great.","start":1601.35,"end":1602.25,"sentiment":"neutral","sentiment_score":0.30276045948266983},{"text":"Perfect.","start":1603.27,"end":1603.75,"sentiment":"positive","sentiment_score":0.4360457062721253},{"text":"And then all you have to do yourself is just to create a password for safety.","start":1603.75,"end":1608.3301,"sentiment":"neutral","sentiment_score":0.20181580865755677},{"text":"Yeah.","start":1609.5901,"end":1610.0901,"sentiment":"neutral","sentiment_score":0.09173379093408585},{"text":"Perfect.","start":1612.065,"end":1612.565,"sentiment":"positive","sentiment_score":0.4095556139945984}],"sentiment":"neutral","sentiment_score":0.23066679218953307,"num_words":22,"start":1601.35,"end":1612.565},{"sentences":[{"text":"I will get the team to email that to you.","start":1612.945,"end":1615.5249,"sentiment":"neutral","sentiment_score":0.25772835314273834},{"text":"Now it will have the website link on how to log in, but it will also have your special ID number, which is what you it's like your account number, what you need to log in, and then you just have to do your own password.","start":1615.6649,"end":1628.4,"sentiment":"neutral","sentiment_score":0.10097366239389648},{"text":"Yep.","start":1629.9,"end":1630.4,"sentiment":"neutral","sentiment_score":0.08345936238765717},{"text":"No.","start":1632.14,"end":1632.46,"sentiment":"neutral","sentiment_score":0.03310514613986015},{"text":"That's okay.","start":1632.46,"end":1633.36,"sentiment":"neutral","sentiment_score":0.016622349619865417}],"sentiment":"neutral","sentiment_score":0.12286468682189783,"num_words":60,"start":1612.945,"end":1633.36},{"sentences":[{"text":"But, otherwise, when it comes to your super balance, you have a pretty good balance.","start":1633.74,"end":1638.88,"sentiment":"neutral","sentiment_score":0.32459292411804197},{"text":"And at the moment, it's at 104,488.","start":1639.02,"end":1645.835,"sentiment":"neutral","sentiment_score":0.09728398120829038},{"text":"That's what's in your account at the moment.","start":1645.975,"end":1647.995,"sentiment":"neutral","sentiment_score":0.16934966389089823},{"text":"Yes.","start":1651.1749,"end":1651.655,"sentiment":"neutral","sentiment_score":0.150895357131958},{"text":"Yeah.","start":1651.655,"end":1652.155,"sentiment":"neutral","sentiment_score":0.11691533029079436}],"sentiment":"neutral","sentiment_score":0.22414030402433127,"num_words":32,"start":1633.74,"end":1652.155},{"sentences":[{"text":"Yeah.","start":1652.215,"end":1652.715,"sentiment":"neutral","sentiment_score":0.09708093106746674},{"text":"Don't spend it all.","start":1653.4149,"end":1654.715,"sentiment":"neutral","sentiment_score":0.04695532890036702},{"text":"But yeah.","start":1655.335,"end":1655.995,"sentiment":"neutral","sentiment_score":0.1650790274143219},{"text":"You do.","start":1657.015,"end":1657.4149,"sentiment":"positive","sentiment_score":0.3509194850921631},{"text":"It is it is really good.","start":1657.4149,"end":1659.3099,"sentiment":"positive","sentiment_score":0.7051059206326803}],"sentiment":"positive","sentiment_score":0.3698356530318658,"num_words":15,"start":1652.215,"end":1659.3099},{"sentences":[{"text":"So so that's great.","start":1659.3099,"end":1660.4299,"sentiment":"positive","sentiment_score":0.6943829357624054},{"text":"Now when it comes to your investment, so kind of how your super has grown over the last twelve months.","start":1660.4299,"end":1667.09,"sentiment":"neutral","sentiment_score":0.05781640112400055},{"text":"Now you probably have seen on the news and read that the last twelve months have been a little bit turbulent.","start":1667.47,"end":1673.4099,"sentiment":"neutral","sentiment_score":-0.056745997142224086},{"text":"Obviously, we had everything in The US going on, so with Trump and Tariq and everything.","start":1674.305,"end":1680.565,"sentiment":"neutral","sentiment_score":-0.03865042969118804},{"text":"But, also, more recently, with the war in the Middle East, that has seen a bit of fluctuation.","start":1681.265,"end":1686.725,"sentiment":"neutral","sentiment_score":-0.09375077258381578}],"sentiment":"neutral","sentiment_score":0.005522443594623215,"num_words":79,"start":1659.3099,"end":1686.725},{"sentences":[{"text":"So we've had a little bit of that fluctuation in the last twelve months.","start":1687.105,"end":1691.24,"sentiment":"neutral","sentiment_score":-0.055405640974640846},{"text":"In Spain, your investments have still done well.","start":1692.26,"end":1696.28,"sentiment":"neutral","sentiment_score":0.17398684099316597},{"text":"So every your investments are still up.","start":1696.66,"end":1699.16,"sentiment":"neutral","sentiment_score":0.3049018808773586},{"text":"Now in the last twelve months, after all fees so that's after all fees have come out of your account, your portfolio has still gone up by 6.74%, and that is just a return on your investment.","start":1699.3,"end":1715.6749,"sentiment":"neutral","sentiment_score":0.288915175038415},{"text":"And a dollar figure yeah.","start":1716.9401,"end":1721.9,"sentiment":"neutral","sentiment_score":0.14832361787557602}],"sentiment":"neutral","sentiment_score":0.19974659839776202,"num_words":71,"start":1687.105,"end":1721.9},{"sentences":[{"text":"Yeah.","start":1721.9,"end":1722.4,"sentiment":"positive","sentiment_score":0.3403623104095459},{"text":"It is good.","start":1723.5,"end":1724.7201,"sentiment":"positive","sentiment_score":0.48524656891822815},{"text":"And from a dollar figure, that's about 32,224.","start":1725.02,"end":1730.48,"sentiment":"neutral","sentiment_score":0.20310744270682335},{"text":"So, yeah, so even though we have seen a bit of fluctuations, it's still done good.","start":1731.02,"end":1737.585,"sentiment":"neutral","sentiment_score":0.19999492075294256},{"text":"Now when it comes to your investments as well, we also always want to make sure that we are proactive when it comes to investment because things are always changing.","start":1738.205,"end":1748.8401,"sentiment":"neutral","sentiment_score":0.11019961175819239}],"sentiment":"neutral","sentiment_score":0.17115290764847707,"num_words":58,"start":1721.9,"end":1748.8401},{"sentences":[{"text":"So part of the annual review and the research that we do is to continue to reassess your investment to make sure if we need to make any changes because things are always changes.","start":1749.54,"end":1762.435,"sentiment":"neutral","sentiment_score":0.06189646801966078},{"text":"Things go up and down.","start":1762.5751,"end":1764.115,"sentiment":"neutral","sentiment_score":-0.04219866916537285},{"text":"So what I would like to do, if you are happy for me to do so and it doesn't cost anything extra, it's all part of the fee, is after today, I would like to go I just do a bit of a a refresher just to see how all your individual investments are going, if there is any that we maybe want to switch out to something else that is going to give you a bit more growth and more better position for the future.","start":1764.255,"end":1789.26,"sentiment":"neutral","sentiment_score":0.20253361718252647},{"text":"Are you happy for me to do that?","start":1789.715,"end":1791.655,"sentiment":"neutral","sentiment_score":0.08203350706025958},{"text":"Yeah.","start":1791.875,"end":1792.375,"sentiment":"positive","sentiment_score":0.3745410442352295}],"sentiment":"neutral","sentiment_score":0.15180736377056855,"num_words":134,"start":1749.54,"end":1792.375},{"sentences":[{"text":"Yeah.","start":1792.515,"end":1793.015,"sentiment":"positive","sentiment_score":0.44686612486839294},{"text":"Perfect.","start":1794.675,"end":1795.175,"sentiment":"positive","sentiment_score":0.67466801404953},{"text":"Yeah.","start":1795.875,"end":1796.375,"sentiment":"positive","sentiment_score":0.43539172410964966},{"text":"And it's good to do it is good to do every now and then, and especially now recently with everything going on in the market.","start":1796.755,"end":1804.055,"sentiment":"positive","sentiment_score":0.45023939371109006},{"text":"We wanna make sure that everything continues to align with you and that we do have you in the best investment option.","start":1804.34,"end":1810.68,"sentiment":"positive","sentiment_score":0.5255788483402946}],"sentiment":"positive","sentiment_score":0.4875129073858261,"num_words":50,"start":1792.515,"end":1810.68},{"sentences":[{"text":"So I will go and do that.","start":1811.46,"end":1813.3201,"sentiment":"positive","sentiment_score":0.3874700793198177},{"text":"Now no.","start":1814.5,"end":1815.3,"sentiment":"neutral","sentiment_score":0.02053051069378853},{"text":"That's okay.","start":1815.3,"end":1816.02,"sentiment":"neutral","sentiment_score":-0.0063479263335466385},{"text":"Now I can see here that you don't have any insurances at the moment.","start":1816.02,"end":1819.88,"sentiment":"neutral","sentiment_score":-0.027630123975021497},{"text":"Don't really have any, you know, mortgage or debt or anything through to pay out.","start":1820.715,"end":1824.635,"sentiment":"neutral","sentiment_score":-0.07930112034082412}],"sentiment":"neutral","sentiment_score":0.029107929579913615,"num_words":40,"start":1811.46,"end":1824.635},{"sentences":[{"text":"But are you still happy without insurances?","start":1824.635,"end":1826.895,"sentiment":"neutral","sentiment_score":-0.07351003480809075},{"text":"Yep.","start":1828.5549,"end":1829.0549,"sentiment":"neutral","sentiment_score":0.028691191226243973},{"text":"Yeah.","start":1829.275,"end":1829.775,"sentiment":"neutral","sentiment_score":-0.002685336396098137},{"text":"Yeah.","start":1830.235,"end":1830.735,"sentiment":"neutral","sentiment_score":-0.04539854079484939},{"text":"Yeah.","start":1831.915,"end":1832.415,"sentiment":"neutral","sentiment_score":-0.0010712537914514542}],"sentiment":"neutral","sentiment_score":-0.048639471219344574,"num_words":11,"start":1824.635,"end":1832.415},{"sentences":[{"text":"No.","start":1833.195,"end":1833.515,"sentiment":"neutral","sentiment_score":-0.03777904063463211},{"text":"That makes sense.","start":1833.515,"end":1834.735,"sentiment":"neutral","sentiment_score":0.006301845734318095},{"text":"Now the last thing is that when you have a bit more time later, have a look through your emails.","start":1835.89,"end":1842.39,"sentiment":"neutral","sentiment_score":0.042217293241992596},{"text":"Have a look through the spam folder just to keep a lookout for that email.","start":1842.61,"end":1847.35,"sentiment":"neutral","sentiment_score":0.03986295027037461},{"text":"What that shows you is those documents I just kind of discussed with you so you can see it in front of you, but it will also ask you to sign through documents if you are happy with that.","start":1847.6951,"end":1858.995,"sentiment":"neutral","sentiment_score":0.12259193968314391}],"sentiment":"neutral","sentiment_score":0.07954490080905649,"num_words":78,"start":1833.195,"end":1858.995},{"sentences":[{"text":"Now what they are is an ongoing service agreement.","start":1859.375,"end":1864.3601,"sentiment":"neutral","sentiment_score":0.1216735988855362},{"text":"That is the same every single year, and it is a requirement where you have to sign and agree that you are happy to stay on as the client.","start":1864.66,"end":1874.76,"sentiment":"neutral","sentiment_score":0.1989732531124148},{"text":"Now there is no changes in the fee structure.","start":1875.4451,"end":1878.505,"sentiment":"neutral","sentiment_score":0.10468146411908998},{"text":"It stays exactly the same at last year.","start":1878.5651,"end":1881.145,"sentiment":"neutral","sentiment_score":0.2044347431510687},{"text":"1.65 from super.","start":1881.4451,"end":1883.4651,"sentiment":"neutral","sentiment_score":0.11689835786819458}],"sentiment":"neutral","sentiment_score":0.16885505045025512,"num_words":58,"start":1859.375,"end":1883.4651},{"sentences":[{"text":"No changes whatsoever in regards to that, which is great.","start":1883.685,"end":1887.545,"sentiment":"neutral","sentiment_score":0.328941810131073},{"text":"And then the last one is just a tax file number form.","start":1888.2799,"end":1891.7999,"sentiment":"neutral","sentiment_score":0.17590695371230444},{"text":"It is just a compliance form to say that we are keeping your tax file number secure and safe on file.","start":1891.7999,"end":1898.38,"sentiment":"neutral","sentiment_score":0.21713937748046147},{"text":"Does that all make sense?","start":1898.76,"end":1900.0599,"sentiment":"neutral","sentiment_score":0.15331239104270936},{"text":"Yeah.","start":1901.6549,"end":1902.0549,"sentiment":"neutral","sentiment_score":0.20513111352920532}],"sentiment":"neutral","sentiment_score":0.2231004396263434,"num_words":49,"start":1883.685,"end":1902.0549},{"sentences":[{"text":"Perfect.","start":1902.0549,"end":1902.5549,"sentiment":"neutral","sentiment_score":0.3266369104385376},{"text":"So when you have a moment, have a look through your inbox, so just your email, and you you will see this email from myself, Veronica.","start":1903.735,"end":1913.595,"sentiment":"neutral","sentiment_score":0.12061988848906297},{"text":"It will say click here to sign now.","start":1913.895,"end":1917.04,"sentiment":"neutral","sentiment_score":0.10909086558967829},{"text":"You will see those documents.","start":1917.04,"end":1918.42,"sentiment":"neutral","sentiment_score":0.13043030351400375},{"text":"If you're happy, add a little signature.","start":1918.7201,"end":1920.8201,"sentiment":"neutral","sentiment_score":0.15532636802111352}],"sentiment":"neutral","sentiment_score":0.1292535538210514,"num_words":47,"start":1902.0549,"end":1920.8201},{"sentences":[{"text":"It will then automatically send it back to me once you have signed it, and I can get all of that processed.","start":1921.52,"end":1928.415,"sentiment":"neutral","sentiment_score":0.1838915588503534},{"text":"But while I do also have you on the phone, just so that I can go through the research I do on your investments, which shouldn't take too long, when is a good time for for me to give you another call just to go through if we want to make any changes to any investment?","start":1929.435,"end":1947.95,"sentiment":"neutral","sentiment_score":0.10487314114081007},{"text":"When is normally a best time for you?","start":1948.8099,"end":1951.07,"sentiment":"neutral","sentiment_score":0.03407896705903113},{"text":"Fourteenth?","start":1961.385,"end":1961.885,"sentiment":"neutral","sentiment_score":0.018578264862298965},{"text":"Okay.","start":1962.105,"end":1962.605,"sentiment":"neutral","sentiment_score":0.055795490741729736}],"sentiment":"neutral","sentiment_score":0.11665358739397065,"num_words":88,"start":1921.52,"end":1962.605},{"sentences":[{"text":"Yep.","start":1963.865,"end":1964.365,"sentiment":"neutral","sentiment_score":0.20754878222942352},{"text":"Let me have a look.","start":1967.16,"end":1968.36,"sentiment":"neutral","sentiment_score":0.18525203466415405},{"text":"Yes.","start":1968.36,"end":1968.76,"sentiment":"neutral","sentiment_score":0.10246247053146362},{"text":"I can do Wednesday the so July 15.","start":1968.76,"end":1971.5,"sentiment":"neutral","sentiment_score":0.09489668812602758},{"text":"Yes.","start":1972.92,"end":1973.42,"sentiment":"neutral","sentiment_score":0.06285136938095093}],"sentiment":"neutral","sentiment_score":0.1286435187794268,"num_words":16,"start":1963.865,"end":1973.42},{"sentences":[{"text":"Would you prefer morning or afternoon?","start":1973.72,"end":1975.82,"sentiment":"neutral","sentiment_score":0.05448556008438269},{"text":"You'll be home in the morning?","start":1980.615,"end":1981.995,"sentiment":"neutral","sentiment_score":0.038273319602012634},{"text":"Yes.","start":1982.535,"end":1983.035,"sentiment":"neutral","sentiment_score":0.02492702938616276},{"text":"Yes.","start":1989.415,"end":1989.915,"sentiment":"neutral","sentiment_score":0.08913228660821915},{"text":"Morning.","start":1993.13,"end":1993.63,"sentiment":"neutral","sentiment_score":0.08058573305606842}],"sentiment":"neutral","sentiment_score":0.05007988847792148,"num_words":15,"start":1973.72,"end":1993.63},{"sentences":[{"text":"Would you prefer 09:00 or 10:00?","start":1993.6901,"end":1996.75,"sentiment":"neutral","sentiment_score":0.0462211420138677},{"text":"10:00.","start":1998.89,"end":1999.6901,"sentiment":"neutral","sentiment_score":0.150307759642601},{"text":"Yeah.","start":1999.6901,"end":1999.93,"sentiment":"neutral","sentiment_score":0.1353268325328827},{"text":"So you can have a bit of sleep in if you're a bit jet lagged.","start":1999.93,"end":2002.51,"sentiment":"neutral","sentiment_score":0.16107196013132732},{"text":"Well, that is all booked in.","start":2004.875,"end":2006.4751,"sentiment":"neutral","sentiment_score":0.18089311818281809}],"sentiment":"neutral","sentiment_score":0.14015170880432787,"num_words":29,"start":1993.6901,"end":2006.4751},{"sentences":[{"text":"So I'll book that in on Wednesday, July 15 at 10AM.","start":2006.4751,"end":2011.135,"sentiment":"neutral","sentiment_score":0.18759699707681482},{"text":"In the meantime, have a look through your email, have a look through those documents, and I will also get my colleague, Whitlam, to send you a separate email with your login instructions so that you can go and access your super as well yourself whenever you want to.","start":2011.995,"end":2028.2001,"sentiment":"neutral","sentiment_score":0.19007321492749818},{"text":"Yeah.","start":2029.3,"end":2029.8,"sentiment":"neutral","sentiment_score":0.2808489203453064},{"text":"No.","start":2029.985,"end":2030.225,"sentiment":"neutral","sentiment_score":0.2804487347602844},{"text":"That is no problem.","start":2030.225,"end":2031.185,"sentiment":"neutral","sentiment_score":0.31827420741319656}],"sentiment":"neutral","sentiment_score":0.20017498460682956,"num_words":66,"start":2006.4751,"end":2031.185},{"sentences":[{"text":"Now that was everything that I needed to kind of touch on with you today.","start":2031.185,"end":2034.7051,"sentiment":"positive","sentiment_score":0.34305157959461213},{"text":"But do you have any other questions for me at this point otherwise?","start":2034.7051,"end":2037.845,"sentiment":"neutral","sentiment_score":0.0786056168950521},{"text":"Not really?","start":2040.225,"end":2041.045,"sentiment":"negative","sentiment_score":-0.3952105939388275},{"text":"Yes.","start":2043.8401,"end":2044.3401,"sentiment":"neutral","sentiment_score":0.0031058788299560547},{"text":"Yeah.","start":2045.04,"end":2045.54,"sentiment":"neutral","sentiment_score":-0.01107780635356903}],"sentiment":"neutral","sentiment_score":0.16778917494229972,"num_words":32,"start":2031.185,"end":2045.54},{"sentences":[{"text":"Exactly.","start":2046.24,"end":2046.74,"sentiment":"neutral","sentiment_score":-0.010625144466757774},{"text":"And if you do have any questions at any point in time, you can always write them down and ask me on the fifteenth, but you can always send me an email or call the office whenever you want to as well.","start":2047.76,"end":2057.765,"sentiment":"neutral","sentiment_score":0.046216472007689025},{"text":"Okay?","start":2057.765,"end":2058.265,"sentiment":"neutral","sentiment_score":0.08583249896764755},{"text":"Yep.","start":2060.645,"end":2061.045,"sentiment":"neutral","sentiment_score":0.3281885087490082},{"text":"No problem at all.","start":2061.045,"end":2061.9248,"sentiment":"positive","sentiment_score":0.5113891735672951}],"sentiment":"neutral","sentiment_score":0.08959274248657179,"num_words":49,"start":2046.24,"end":2061.9248},{"sentences":[{"text":"It was lovely speaking with you.","start":2061.9248,"end":2063.525,"sentiment":"positive","sentiment_score":0.7543684045473734},{"text":"Thank you so much, and I enjoy your holiday.","start":2063.525,"end":2066.1848,"sentiment":"positive","sentiment_score":0.8353560964266459},{"text":"And I will speak to you on Wednesday, July 15.","start":2067.125,"end":2070.585,"sentiment":"neutral","sentiment_score":0.3057525083422661},{"text":"No worries.","start":2073.1301,"end":2073.95,"sentiment":"neutral","sentiment_score":0.09985948354005814},{"text":"We'll speak soon.","start":2074.09,"end":2075.23,"sentiment":"neutral","sentiment_score":0.1954596241315206}],"sentiment":"positive","sentiment_score":0.5296012739340464,"num_words":30,"start":2061.9248,"end":2075.23},{"sentences":[{"text":"Okay.","start":2076.25,"end":2076.75,"sentiment":"neutral","sentiment_score":0.1599448025226593},{"text":"You too.","start":2077.1301,"end":2077.85,"sentiment":"neutral","sentiment_score":0.18183575570583344},{"text":"Bye.","start":2077.85,"end":2078.35,"sentiment":"neutral","sentiment_score":0.11428000777959824}],"sentiment":"neutral","sentiment_score":0.1594740804284811,"num_words":4,"start":2076.25,"end":2078.35}]}}]},{"alternatives":[{"transcript":"Hello? Good. Good. Thanks. No beauty at the moment. Yeah. I'll be alright to stop. Yeah. Yeah. My name is Takaonova Taufa. I'm on a birth certificate. It's January 25 1967. The address I used I put before, it was in in Gladstone. But now I'm I'm moved back to New Chapel, Sydney, in the 115 Becktown Road, 7 Hill. 115 Road, Blacktown Road. 115 Blacktown Road, 7 Hill, New South Wales 2147, Oaks Cove. Yeah. This thing, you know, this update is the main screen, the main thing because this sometime I don't I don't get it. I didn't didn't hear from you guys. And then my my phone is you know, the email thing you send it, but some time I get, but some I don't. No. I don't want anything, but I only want what you guys have. What they got from review guide. Yes. That'd be great. Yeah. Yeah. Yeah. You know, I I I just gotta be you know, If I put it in there, it if she find out, it's like it send me the email or thing, and then she's thinking that I put your name on it. You know? You're thinking that money is go to work. No way. You know? Mhmm. Okay. That's why I'll be 40. You know, if I put the name in there, it's it's even gonna claim things. You know? Oh, okay. Alright. I I I can't remember. I I give you the name. Yeah. It his name is Pemipruto, p double p m m y and p u r u t o, Pruto. Can I text after? Because it's just I don't really Yeah. Okay. Thank you. That is my fiance. Yeah. Yeah. Yeah. They like that. Yeah. With this figure about not enough money, you know. Mhmm. Okay. That is what I'll be worried. You know? This is gonna be something I keep agreeing or something like that. Yeah. Yeah. What's your name? No. I already left there. I've I mean, I'm working in here in Stedmar in Sydney. This window, Making window. Yeah. Yeah. Yeah. Yeah. Yeah. In the factory. They all started last year. That was April. Yeah. April last year. Yeah. You know? Yeah. Yeah. Yeah. Yeah. Full time. Yeah. It's here. Two or four hours shift, you know, ten hours if I didn't get walk away with the 1,300 1,400. Wait. Yeah. Yeah. After tax. Stetvar. Stetvar, s t e t v a r. We're with we we we we we we we we we we we we we we we we we offer but 3.5 3.1 or something and then we ask for 6%, but then now then they stay on on my end. Three percentage. They're still going. Still going. Yeah. Yeah. They actually, they they calling up. At the moment, I I'm paying my super. It's about $1.40 something a week. Yeah. But it's my bill if we get that agreement, they're going up to $1.42 or 43, something like that. Yeah. Yeah. I'll take some damn blow. I haven't decided yet because I'm, you know, with this, you know, getting that what I anything expensive here. Yeah. Yeah. It's still yeah. It's still going, that one. Yeah. I have another car, but it's it it turned me it turned me a little. Yeah. And I bought it here. I bought it for $6 when I came back here. Yeah. No. No. This thing gets your name on. No. No. Yeah. I got the personal loan on my card on a because I have to have a last time to oversee, and then I have to yeah. I have to follow back and plan on that fee, and then I was still paying all the fees. Yeah. Yeah. Yeah. Yeah. Yeah. No. Not now. Not now. No. No. Okay. Mhmm. I wish I'll need to pick it up myself once because something is gonna happen, and I still get something. You know? But my loan is already automatically take it off on on that side on that thing. Yes. Yeah. Not really at the moment. I really don't get it. What do you mean? What do you mean? Okay. Alright. Okay. Yeah. I I feel it. You know? It's still good because you see if the the money is is roughly up. You know? That was good. It's good. I think yeah. I like that. None. I don't think about that one. You know, I was waiting if what what do I really I I need something. I need something to start up, you know, getting something to post in the house or something, you know, but and this is what I've think about, you know, I'm still capable to work even. All I need yeah. Probably I'm only over 70 or something. Yeah. It's still lower than than 70. Mhmm. Mhmm. That'd be good. That's a good idea. Yeah. Yeah. Not a good idea. But the artist and I bring some time, you know, to see organize something. Yeah. Can I pick can you do that? Debbie, take volume now. I'll just go in the middle. Yeah. Yeah. I just in your call, you know, just leave it, but, you know, things go up, go down, you know, the things like that. You know? Yeah. I just need to clean. You know? Yeah. No. No. Never happened then. No. Yeah. That's that's all I want because I never have a cell phone. Yeah. Okay. That's what you say. They're calling me. You know? That's why I stay in there with you guys. Yeah. Yeah. Mhmm. Mhmm. Mhmm. Yeah. Yes. I'm pretty happy on that. On my email? Not right. Not really. Not really. I'm not really get to understand the phone. You know? But I only but, yeah, I haven't clicked it on my password thing to lock it in. But I will try that. I will try that. Yeah. Yeah. Yes. Mhmm. Okay. Thank you very much for that. I appreciate that. Yeah. Mhmm. Yeah. Yeah. Yeah. It'd be great day. Mhmm. No. No. I haven't I haven't logged in yet. I only need to see on an email, but I I wanna get shared on the thing, but I haven't get into that. Yeah. Yeah. Yeah. Yeah. That'd be great. Yeah. Yeah. That's yeah. Yeah. That is that's what I need. That one. Mhmm. Big money. Yeah. Yeah. That'd be great. That was beautiful. This one, you sound good. Mhmm. Yeah. I'm really happy. We are open up. You know? Good to talk to you. Yes. Thank you. Yeah. Yeah. I'm I'm stepping on that. No. I don't wanna pay you for any. You know? Yeah. Yes. Yeah. Yeah. Yeah. I spook. That is. Yeah. Yeah. On the on the ferry, I'm going away to overseas. I'll be back on on a on a '14. That was Tuesday. It it be a great time on on Wednesday on the fifteenth. Yeah. Yeah. I'll be home on the I'll be home in in the morning because I yeah. Yeah. Right. We don't like time, and he kicked me in and then I had to take take time off on a great day and affect me. But I can help you. In the morning, be great. Then no problem. Be great. Yeah. Yes. Yeah. Thank you for that. Not really not really happy. I just ever looking on the email page, and I'm seeing what I I'm gonna ask that. Yeah. Yeah. Thank you for that. Thank you very much. Alright. Okay. Thank you. Thank you for that. Appreciate it. Alright. Good day. Good night. Bye. 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Good. Good. Thanks. No beauty at the moment.\n\nYeah. I'll be alright to stop. Yeah. Yeah. My name is Takaonova Taufa.\n\nI'm on a birth certificate. It's January 25 1967. The address I used I put before, it was in in Gladstone. But now I'm I'm moved back to New Chapel, Sydney, in the 115 Becktown Road, 7 Hill. 115 Road, Blacktown Road.\n\n115 Blacktown Road, 7 Hill, New South Wales 2147, Oaks Cove. Yeah. This thing, you know, this update is the main screen, the main thing because this sometime I don't I don't get it. I didn't didn't hear from you guys. And then my my phone is you know, the email thing you send it, but some time I get, but some I don't.\n\nNo. I don't want anything, but I only want what you guys have. What they got from review guide. Yes. That'd be great.\n\nYeah. Yeah. Yeah. You know, I I I just gotta be you know, If I put it in there, it if she find out, it's like it send me the email or thing, and then she's thinking that I put your name on it. You know?\n\nYou're thinking that money is go to work. No way. You know? Mhmm. Okay.\n\nThat's why I'll be 40. You know, if I put the name in there, it's it's even gonna claim things. You know? Oh, okay. Alright.\n\nI I I can't remember. I I give you the name. Yeah. It his name is Pemipruto, p double p m m y and p u r u t o, Pruto. Can I text after?\n\nBecause it's just I don't really Yeah. Okay. Thank you. That is my fiance. Yeah.\n\nYeah. Yeah. They like that. Yeah. With this figure about not enough money, you know.\n\nMhmm. Okay. That is what I'll be worried. You know? This is gonna be something I keep agreeing or something like that.\n\nYeah. Yeah. What's your name? No. I already left there.\n\nI've I mean, I'm working in here in Stedmar in Sydney. This window, Making window. Yeah. Yeah. Yeah.\n\nYeah. Yeah. In the factory. They all started last year. That was April.\n\nYeah. April last year. Yeah. You know? Yeah.\n\nYeah. Yeah. Yeah. Full time. Yeah.\n\nIt's here. Two or four hours shift, you know, ten hours if I didn't get walk away with the 1,300 1,400. Wait. Yeah. Yeah.\n\nAfter tax. Stetvar. Stetvar, s t e t v a r. We're with we we we we we we we we we we we we we we we we we offer but 3.5 3.1 or something and then we ask for 6%, but then now then they stay on on my end. Three percentage.\n\nThey're still going. Still going. Yeah. Yeah. They actually, they they calling up.\n\nAt the moment, I I'm paying my super. It's about $1.40 something a week. Yeah. But it's my bill if we get that agreement, they're going up to $1.42 or 43, something like that. Yeah.\n\nYeah. I'll take some damn blow. I haven't decided yet because I'm, you know, with this, you know, getting that what I anything expensive here. Yeah. Yeah.\n\nIt's still yeah. It's still going, that one. Yeah. I have another car, but it's it it turned me it turned me a little. Yeah.\n\nAnd I bought it here. I bought it for $6 when I came back here. Yeah. No. No.\n\nThis thing gets your name on. No. No. Yeah. I got the personal loan on my card on a because I have to have a last time to oversee, and then I have to yeah.\n\nI have to follow back and plan on that fee, and then I was still paying all the fees. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. Not now. Not now. No.\n\nNo. Okay. Mhmm. I wish I'll need to pick it up myself once because something is gonna happen, and I still get something. You know?\n\nBut my loan is already automatically take it off on on that side on that thing. Yes. Yeah. Not really at the moment. I really don't get it.\n\nWhat do you mean? What do you mean? Okay. Alright. Okay.\n\nYeah. I I feel it. You know? It's still good because you see if the the money is is roughly up. You know?\n\nThat was good. It's good. I think yeah. I like that. None.\n\nI don't think about that one. You know, I was waiting if what what do I really I I need something. I need something to start up, you know, getting something to post in the house or something, you know, but and this is what I've think about, you know, I'm still capable to work even. All I need yeah. Probably I'm only over 70 or something.\n\nYeah. It's still lower than than 70. Mhmm. Mhmm. That'd be good.\n\nThat's a good idea. Yeah. Yeah. Not a good idea. But the artist and I bring some time, you know, to see organize something.\n\nYeah. Can I pick can you do that? Debbie, take volume now. I'll just go in the middle. Yeah.\n\nYeah. I just in your call, you know, just leave it, but, you know, things go up, go down, you know, the things like that. You know? Yeah. I just need to clean.\n\nYou know? Yeah. No. No. Never happened then.\n\nNo. Yeah. That's that's all I want because I never have a cell phone. Yeah. Okay.\n\nThat's what you say. They're calling me. You know? That's why I stay in there with you guys. Yeah.\n\nYeah. Mhmm. Mhmm. Mhmm. Yeah.\n\nYes. I'm pretty happy on that. On my email? Not right. Not really.\n\nNot really. I'm not really get to understand the phone. You know? But I only but, yeah, I haven't clicked it on my password thing to lock it in. But I will try that.\n\nI will try that. Yeah. Yeah. Yes. Mhmm.\n\nOkay. Thank you very much for that. I appreciate that. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. It'd be great day. Mhmm.\n\nNo. No. I haven't I haven't logged in yet. I only need to see on an email, but I I wanna get shared on the thing, but I haven't get into that. Yeah.\n\nYeah. Yeah. Yeah. That'd be great. Yeah.\n\nYeah. That's yeah. Yeah. That is that's what I need. That one.\n\nMhmm. Big money. Yeah. Yeah. That'd be great.\n\nThat was beautiful. This one, you sound good. Mhmm. Yeah. I'm really happy.\n\nWe are open up. You know? Good to talk to you. Yes. Thank you.\n\nYeah. Yeah. I'm I'm stepping on that. No. I don't wanna pay you for any.\n\nYou know? Yeah. Yes. Yeah. Yeah.\n\nYeah. I spook. That is. Yeah. Yeah.\n\nOn the on the ferry, I'm going away to overseas. I'll be back on on a on a '14. That was Tuesday. It it be a great time on on Wednesday on the fifteenth. Yeah.\n\nYeah. I'll be home on the I'll be home in in the morning because I yeah. Yeah. Right. We don't like time, and he kicked me in and then I had to take take time off on a great day and affect me.\n\nBut I can help you. In the morning, be great. Then no problem. Be great. Yeah.\n\nYes. Yeah. Thank you for that. Not really not really happy. I just ever looking on the email page, and I'm seeing what I I'm gonna ask that.\n\nYeah. Yeah. Thank you for that. Thank you very much. Alright.\n\nOkay. Thank you. Thank you for that. Appreciate it. Alright.\n\nGood day. Good night. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.04117589443922043},{"text":"Good.","start":5.2799997,"end":5.52,"sentiment":"positive","sentiment_score":0.5413292646408081},{"text":"Good.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.6388910412788391},{"text":"Thanks.","start":5.8399997,"end":6.3399997,"sentiment":"positive","sentiment_score":0.7122179269790649},{"text":"No beauty at the moment.","start":14.565,"end":15.924999,"sentiment":"neutral","sentiment_score":-0.2863024890422821}],"sentiment":"neutral","sentiment_score":0.055789075791835785,"num_words":9,"start":0.0,"end":15.924999},{"sentences":[{"text":"Yeah.","start":15.924999,"end":16.164999,"sentiment":"neutral","sentiment_score":-0.055478423833847046},{"text":"I'll be alright to 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is.","start":1909.9451,"end":1910.4,"sentiment":"neutral","sentiment_score":0.07710660621523857},{"text":"Yeah.","start":1926.145,"end":1926.465,"sentiment":"neutral","sentiment_score":0.15625938773155212},{"text":"Yeah.","start":1926.465,"end":1926.965,"sentiment":"neutral","sentiment_score":0.22789683938026428}],"sentiment":"neutral","sentiment_score":0.11543783439057213,"num_words":7,"start":1900.745,"end":1926.965},{"sentences":[{"text":"On the on the ferry, I'm going away to overseas.","start":1952.475,"end":1957.535,"sentiment":"neutral","sentiment_score":0.032024224661290644},{"text":"I'll be back on on a on a '14.","start":1957.8351,"end":1960.3351,"sentiment":"neutral","sentiment_score":0.028819725952214666},{"text":"That was Tuesday.","start":1961.755,"end":1962.8151,"sentiment":"neutral","sentiment_score":0.0497548853357633},{"text":"It it be a great time on on Wednesday on the 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that.","start":2041.735,"end":2047.25,"sentiment":"neutral","sentiment_score":-0.06672065425664186}],"sentiment":"neutral","sentiment_score":0.005471667374617287,"num_words":28,"start":2011.795,"end":2047.25},{"sentences":[{"text":"Yeah.","start":2048.4302,"end":2048.9302,"sentiment":"neutral","sentiment_score":0.01881316676735878},{"text":"Yeah.","start":2053.5503,"end":2054.0503,"sentiment":"neutral","sentiment_score":0.03349848464131355},{"text":"Thank you for that.","start":2058.6702,"end":2059.47,"sentiment":"positive","sentiment_score":0.7209682315587997},{"text":"Thank you very much.","start":2059.47,"end":2060.69,"sentiment":"positive","sentiment_score":0.7908456921577454},{"text":"Alright.","start":2062.375,"end":2062.875,"sentiment":"positive","sentiment_score":0.56801837682724}],"sentiment":"positive","sentiment_score":0.6061441566456448,"num_words":11,"start":2048.4302,"end":2062.875},{"sentences":[{"text":"Okay.","start":2070.2148,"end":2070.7148,"sentiment":"neutral","sentiment_score":0.302432119846344},{"text":"Thank you.","start":2070.775,"end":2071.575,"sentiment":"positive","sentiment_score":0.5713235437870026},{"text":"Thank you for that.","start":2071.575,"end":2072.795,"sentiment":"positive","sentiment_score":0.6790487319231033},{"text":"Appreciate it.","start":2072.855,"end":2073.7349,"sentiment":"neutral","sentiment_score":0.22486675158143044},{"text":"Alright.","start":2073.7349,"end":2074.2349,"sentiment":"neutral","sentiment_score":0.07860451936721802}],"sentiment":"positive","sentiment_score":0.4689612157642841,"num_words":10,"start":2070.2148,"end":2074.2349},{"sentences":[{"text":"Good day.","start":2074.775,"end":2075.4148,"sentiment":"positive","sentiment_score":0.49371740221977234},{"text":"Good night.","start":2075.4148,"end":2076.135,"sentiment":"positive","sentiment_score":0.4448270946741104},{"text":"Bye.","start":2076.135,"end":2076.635,"sentiment":"neutral","sentiment_score":0.23386375606060028},{"text":"Bye.","start":2078.6533,"end":2079.1533,"sentiment":"neutral","sentiment_score":-0.11692184954881668}],"sentiment":"neutral","sentiment_score":0.33233848338325817,"num_words":6,"start":2074.775,"end":2079.1533}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Good. Thanks.\n\nChannel 0: That's good. I had to book in to go over your annual review. Is now still a good time for you, or you're a bit busy?\n\nChannel 1: No beauty at the moment. Yeah. I'll be alright to stop.\n\nChannel 0: Okay. Perfect. Now just before I do go any further, 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: Yeah. Yeah.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: My name is Takaonova Taufa.\n\nChannel 0: Yep.\n\nChannel 1: I'm on a birth certificate. It's January 25\n\nChannel 0: Yep.\n\nChannel 1: 1967.\n\nChannel 0: Perfect. And this address as well, please.\n\nChannel 1: The address I used I put before, it was in in Gladstone. But now I'm I'm moved back to New Chapel, Sydney, in the 115 Becktown Road,\n\nChannel 0: Okay. Perfect.\n\nChannel 1: 7 Hill.\n\nChannel 0: I might need to update that because I have a slightly different address. So can you just confirm your new address again, sorry, for me?\n\nChannel 1: 115 Road,\n\nChannel 0: Yep.\n\nChannel 1: Blacktown\n\nChannel 0: Road.\n\nChannel 1: Road. 115 Blacktown Road,\n\nChannel 0: Blacktown Road. Yep.\n\nChannel 1: 7 Hill,\n\nChannel 0: Seven\n\nChannel 1: New South Wales\n\nChannel 0: yeah.\n\nChannel 1: 2147, Oaks Cove.\n\nChannel 0: 2147. Perfect. Thank you so much. I will get that updated for you.\n\nChannel 1: Yeah.\n\nChannel 0: Now before I do kind of get started on things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like to focus on or just a bit of an update and see where everything's at?\n\nChannel 1: This thing, you know, this update is the main screen, the main thing because this sometime I don't I don't get it. I didn't didn't\n\nChannel 0: Yeah.\n\nChannel 1: hear from you guys. And then my my phone is you know, the email thing you send it, but some time I get, but some I don't.\n\nChannel 0: Okay. And is that the emails from us, like newsletters or, like, from your superannuation with different investments or bit of both?\n\nChannel 1: No. I don't want anything, but I only want what you guys have. What\n\nChannel 0: Okay.\n\nChannel 1: they got from review guide.\n\nChannel 0: Yep. Perfect. I'll have a look with IT if there's a bug or something, if you if you only receive the emails every now and then, just to make sure everything is up to date so that you do receive all our emails.\n\nChannel 1: Yes. That'd be great.\n\nChannel 0: Yep. Yeah. Perfect. Now the first thing I will go through there with you, it is just a bit of an updated fact find just to see if there is anything major that has changed in your life. If we need to make any changes to your advice or anything, So just bear with me as I kind of run through this information.\n\nChannel 1: Yeah.\n\nChannel 0: Now when it comes to your personal information, I have you down here as a single with one financial dependent. Is that correct?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Now I don't actually have a next up PIN on file for you, and that can be anybody. Just in the event that for some reason we cannot get in touch with you at all, it is just someone that we can call just to make sure that you're okay. And like I said, that can be anybody. Do you have anyone you would like to nominate just as a next of kin?\n\nChannel 1: You know, I I I just gotta be you know, If I put it in there, it if she find out, it's like it send me the email or thing, and then she's thinking that I put your name on it. You know? You're thinking that money is go to work. No way. You know?\n\nChannel 0: Yeah. No. Next NextUp came, they don't have access to anything. They can't claim anything. It is just a point of contact if we can't get in touch with you.\n\nSo it's not going to that person. They don't have any authority to make any changes in your account or anything like that. It is\n\nChannel 1: Mhmm.\n\nChannel 0: literally just like an emergency that if we try calling you and emailing you, we just can't get in touch with you. It is just someone that you know that we can call to see and make sure you're okay. But they don't have actually access to anything or\n\nChannel 1: Okay.\n\nChannel 0: anything.\n\nChannel 1: That's why I'll be 40. You know, if I put the name in there, it's it's even gonna claim things.\n\nChannel 0: No.\n\nChannel 1: You know?\n\nChannel 0: No. Yeah. No. They can't do anything. It is literally just just another phone number, and we just to just to check-in on you.\n\nIf for some reason we can't get in touch with you, that's it. They don't have access to anything. They don't have claim for anything. Nothing like that.\n\nChannel 1: Oh, okay. Alright. I I I can't remember. I I give you the name.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. It his name is Pemipruto, p\n\nChannel 0: How do\n\nChannel 1: double\n\nChannel 0: you spell that?\n\nChannel 1: p\n\nChannel 0: Yep.\n\nChannel 1: m m y\n\nChannel 0: Yep.\n\nChannel 1: and p u r u t o, Pruto.\n\nChannel 0: Perfect. And do you know their phone number by any chance?\n\nChannel 1: Can I text after? Because it's just\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: Sure.\n\nChannel 1: really\n\nChannel 0: You can. No. That's okay. You can always email it to us or call us up later and just just provide the number, whatever\n\nChannel 1: Yeah.\n\nChannel 0: works for you. Yep.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Thank\n\nChannel 0: can\n\nChannel 1: you.\n\nChannel 0: can I just ask the relationship of that person to you just so I have that on record?\n\nChannel 1: That is my fiance.\n\nChannel 0: Oh, beautiful. Thank you. Would you like me to update your marital status as engaged? Or\n\nChannel 1: Yeah. Yeah. Yeah. They\n\nChannel 0: yes.\n\nChannel 1: like that. Yeah.\n\nChannel 0: Yes. Perfect. Well, congratulations. When did you guys get engaged?\n\nChannel 1: With this figure about not enough money, you know.\n\nChannel 0: No. It cost a lot. It does. No. Beautiful.\n\nOtherwise, when it comes through, obviously, your superannuation, if something were to happen to you, I have that everything goes to your daughter, Gabriela.\n\nChannel 1: Mhmm. Okay. That is what I'll be\n\nChannel 0: That\n\nChannel 1: worried. You know? This is gonna\n\nChannel 0: yes.\n\nChannel 1: be something I\n\nChannel 0: No.\n\nChannel 1: keep agreeing or something like that.\n\nChannel 0: No. Everything goes through Gabriela. That's who you have nominated, and that stays the same as long as you are happy with that.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: What's\n\nChannel 0: Yeah. Now employment wise,\n\nChannel 1: your name?\n\nChannel 0: has any of that changed for you, or you're still working as a a painter and plasterer?\n\nChannel 1: No. I already left there. I've I mean, I'm working in here in Stedmar in Sydney.\n\nChannel 0: Yeah. Inspector. What kind of inspector?\n\nChannel 1: This window, Making window.\n\nChannel 0: Mark. Yep. And is that working in a at a factory, like, making\n\nChannel 1: Yeah.\n\nChannel 0: the windows?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Or\n\nChannel 1: Yeah. Yeah. In\n\nChannel 0: yep.\n\nChannel 1: the factory.\n\nChannel 0: Okay. Perfect. And when did you start there?\n\nChannel 1: They all started last year. That was April.\n\nChannel 0: April\n\nChannel 1: Yeah.\n\nChannel 0: last\n\nChannel 1: April last year.\n\nChannel 0: year. Perfect. And do you enjoy it so far?\n\nChannel 1: Yeah. You know?\n\nChannel 0: Pays the bills.\n\nChannel 1: Yeah.\n\nChannel 0: And do you work full time?\n\nChannel 1: Yeah. Yeah. Yeah. Full time.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now what's your income at the moment during that?\n\nChannel 1: It's here. Two or four hours shift, you know, ten hours if I didn't get walk away with the 1,300 1,400.\n\nChannel 0: Mhmm.\n\nChannel 1: Wait.\n\nChannel 0: Okay. So about 1,400 per\n\nChannel 1: Yeah.\n\nChannel 0: week aft after\n\nChannel 1: Yeah.\n\nChannel 0: tax?\n\nChannel 1: After tax.\n\nChannel 0: Yes. Perfect. And your new employer, who are they? What's the employer name? Yep.\n\nChannel 1: Stetvar. Stetvar, s t e t v a r.\n\nChannel 0: Yep. Perfect. And do you have a special, like, enterprise bargain agreement or anything like that with them, Or is it just kind of, like, they provide you with, like, the standard employer\n\nChannel 1: We're with\n\nChannel 0: rate? Mhmm.\n\nChannel 1: we we we we we we we we we we we we we we we we we offer but 3.5 3.1 or something and then we ask for 6%, but then now then they stay on on my end.\n\nChannel 0: Yep. Okay. So\n\nChannel 1: Three\n\nChannel 0: is\n\nChannel 1: percentage.\n\nChannel 0: that kind of is that negotiation still happening? Or\n\nChannel 1: They're still\n\nChannel 0: It's\n\nChannel 1: going.\n\nChannel 0: still going.\n\nChannel 1: Still going.\n\nChannel 0: Still going?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. But when it comes to how much they are paying you into superannuation, is that just like the standard rules, or do you know if they pay you any a deck extra benefit?\n\nChannel 1: Yeah. They actually, they they calling up. At the moment, I I'm paying my super. It's about $1.40 something a\n\nChannel 0: Mhmm.\n\nChannel 1: week. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: But it's\n\nChannel 0: Okay.\n\nChannel 1: my bill if we get that agreement, they're going up to $1.42 or 43, something like that.\n\nChannel 0: Okay. Okay. Well, I'll be able to see that on your account as well\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: just to check. But are you putting any extra money yourself into\n\nChannel 1: I'll\n\nChannel 0: super, or is it just from your employer that they pay\n\nChannel 1: take\n\nChannel 0: it\n\nChannel 1: some\n\nChannel 0: in?\n\nChannel 1: damn blow. I haven't decided yet because I'm,\n\nChannel 0: Yep.\n\nChannel 1: you know, with this, you know, getting\n\nChannel 0: Cost\n\nChannel 1: that\n\nChannel 0: of living.\n\nChannel 1: what I anything\n\nChannel 0: Yeah.\n\nChannel 1: expensive\n\nChannel 0: Yes. No. I totally get that. And when it comes to your assets and\n\nChannel 1: here.\n\nChannel 0: liabilities, I have here that you own a motor vehicle that last was worth about $7,000. Is that still the case?\n\nChannel 1: Yeah. Yeah. It's still\n\nChannel 0: Yep.\n\nChannel 1: yeah. It's still\n\nChannel 0: Still\n\nChannel 1: going,\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: same?\n\nChannel 1: one.\n\nChannel 0: Yep. And you don't have anything owing on that one, do you?\n\nChannel 1: Yeah. I have another car, but it's\n\nChannel 0: Okay.\n\nChannel 1: it it turned\n\nChannel 0: Another\n\nChannel 1: me it turned\n\nChannel 0: card?\n\nChannel 1: me a little. Yeah. And I\n\nChannel 0: And\n\nChannel 1: bought\n\nChannel 0: how much\n\nChannel 1: it here.\n\nChannel 0: is\n\nChannel 1: I bought\n\nChannel 0: mhmm.\n\nChannel 1: it for $6 when I came\n\nChannel 0: 6,000.\n\nChannel 1: back here. Yeah.\n\nChannel 0: Yep. And do you have anything owing, like a debt on the car, or did you pay\n\nChannel 1: No.\n\nChannel 0: it outright?\n\nChannel 1: No. This thing gets your name\n\nChannel 0: Just paid in cash. Yeah. Perfect. Do you have any other assets?\n\nChannel 1: on.\n\nChannel 0: Any\n\nChannel 1: No.\n\nChannel 0: other? No. Perfect. Any\n\nChannel 1: No.\n\nChannel 0: other liabilities, like any personal loans or credit card or anything?\n\nChannel 1: Yeah. I got the personal loan on my card on a because I have to have a last time to oversee, and then\n\nChannel 0: Yeah.\n\nChannel 1: I have\n\nChannel 0: Yes.\n\nChannel 1: to yeah. I have to follow back and plan\n\nChannel 0: Yep.\n\nChannel 1: on that fee, and then I was\n\nChannel 0: Okay.\n\nChannel 1: still paying all the fees.\n\nChannel 0: And that was about 10,000, did you say?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. K. Perfect. Now when it comes to your health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Perfect. And have you had any significant health issues or changes or injuries or anything?\n\nChannel 1: No. Not now. Not\n\nChannel 0: No.\n\nChannel 1: now.\n\nChannel 0: No. Perfect. And when it comes to estate planning, we've already touched on, obviously, if something were to happen, it'll go to Gabriela. But do you have a will or anything like that in place otherwise?\n\nChannel 1: No. No.\n\nChannel 0: Nope. Nope. And when it comes to your super, that doesn't form part of the estate. So because you have made a a legal if you because you have made a legal nomination, it will go directly through her.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Now when it comes to stuff that you are working towards and some goals, it's usually a good time doing annual reviews to do a bit of a check-in to see, okay. Well, what were your goals last time we spoke with you? How did you go with it, and what are you kind of focusing on for the next twelve months? Now when we spoke to you last time, your main focus was to focus on kind of building up a savings account a little bit.\n\nIs\n\nChannel 1: Mhmm.\n\nChannel 0: that still kind of your your main focus, or is it to pay off the personal loan or a bit of combination of the two?\n\nChannel 1: I wish I'll need to pick it up myself once because something is gonna happen, and I still\n\nChannel 0: Yep.\n\nChannel 1: get something. You know? But my\n\nChannel 0: Yep.\n\nChannel 1: loan is already automatically take it off on on that\n\nChannel 0: Okay.\n\nChannel 1: side on that thing.\n\nChannel 0: Okay. Perfect. So it's just kinda focusing on building up a bit of a emergency account if something\n\nChannel 1: Yes.\n\nChannel 0: would\n\nChannel 1: Yeah.\n\nChannel 0: happen for a rainy day? Yep. Perfect. Anything else that you are working towards?\n\nChannel 1: Not really at the moment.\n\nChannel 0: Not really. No. No. That's okay. And when it comes to your superannuation, what I wanna do next is just to run through just a bit of a risk profile questionnaire.\n\nIt is just multiple choice to make it nice and easy. There is no right or wrong answer, and it's just whatever you feel is the most appropriate for you when it comes to your superannuation. Does that make sense?\n\nChannel 1: I really don't get it.\n\nChannel 0: No. That's\n\nChannel 1: What\n\nChannel 0: okay.\n\nChannel 1: do you mean?\n\nChannel 0: So what\n\nChannel 1: What\n\nChannel 0: so\n\nChannel 1: do you\n\nChannel 0: what\n\nChannel 1: mean?\n\nChannel 0: I'm going I'm going to ask you a couple of questions, and I'm going to give you a couple of answers to go with the question, and you just let me know whichever you feel is right for you.\n\nChannel 1: Okay. Alright. Okay.\n\nChannel 0: Okay. And it's all just theory. So it's just just questions for me to gauge how you are feeling about investments and market fluctuations. It's not actually making a decision to do anything. It is just how you feel about a situation.\n\nChannel 1: Yeah. I I\n\nChannel 0: Yep.\n\nChannel 1: feel it. You know? It's still good because you see if\n\nChannel 0: Yeah.\n\nChannel 1: the the money is is roughly up. You know? That was good.\n\nChannel 0: Yep.\n\nChannel 1: It's good. I\n\nChannel 0: Yeah.\n\nChannel 1: think yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I like that.\n\nChannel 0: Yeah. That's good. Now have you ever bought direct shares on the stock market yourself? Have you ever done any personal investing or anything like that?\n\nChannel 1: None. I don't think about\n\nChannel 0: No.\n\nChannel 1: that one.\n\nChannel 0: No. That's okay. And at the moment, when do you think you would like to retire or start drawing an income from your superannuation?\n\nChannel 1: You know, I was waiting if what what do I really I I need something. I need something to\n\nChannel 0: Mhmm.\n\nChannel 1: start up, you know, getting something\n\nChannel 0: Mhmm.\n\nChannel 1: to post in the house or something, you know, but and this is what I've think about, you know, I'm still capable to work even.\n\nChannel 0: Yep.\n\nChannel 1: All\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: when\n\nChannel 1: need yeah.\n\nChannel 0: when do you when do you think you would like to stop working?\n\nChannel 1: Probably I'm only over 70 or something.\n\nChannel 0: Uh-huh. Yep. Perfect. So still still got about ten years or so, if not longer.\n\nChannel 1: Yeah. It's still\n\nChannel 0: Yeah.\n\nChannel 1: lower than than 70.\n\nChannel 0: Yeah. Yeah. Now when you do turn 60, you can access some of your superannuation completely tax free\n\nChannel 1: Mhmm.\n\nChannel 0: if you would like or if you need to. So when you do turn 60, there's different strategies and stuff that we can work towards together if you want or need some some money from superannuation. So keep that in mind as well. So when you do ten sixty, if there is anything if you need\n\nChannel 1: Mhmm.\n\nChannel 0: anything, there are some rules about how much you can take if you're still working, but we can kind of work with you on that if that is something that you need.\n\nChannel 1: That'd be good.\n\nChannel 0: Yeah.\n\nChannel 1: That's a good idea.\n\nChannel 0: Yeah. So and and it's very tax effective as well because superannuation is very tax effective in that you can draw about 10% max per year completely tax free between 60 and 65 if you still work. So we\n\nChannel 1: Yeah.\n\nChannel 0: can kinda work with that with you when you turn 60. So keep that in your back pocket. I'll make a little note as well, and we can always reassess that for you.\n\nChannel 1: Yeah. Not a good idea.\n\nChannel 0: Yeah.\n\nChannel 1: But the artist and I bring some time, you know, to see organize\n\nChannel 0: Yes.\n\nChannel 1: something. Yeah.\n\nChannel 0: And, otherwise, I have here that when you do decide to retire completely, that on a a weekly basis, so how much money you need from superannuation to support your lifestyle and finances and everything, that, ideally, about a thousand dollars per week is sufficient. Is that still the case, or do you think you need closer to maybe, like, 1,500 similar to what you are receiving at the moment?\n\nChannel 1: Can I pick can you do\n\nChannel 0: Yes. You it's it's just a goal. So what it is, it is just a goal for us to\n\nChannel 1: that?\n\nChannel 0: try to help achieve for you. So if you you can tell me whatever amount you you want, and we can kinda work with that for you. So if you wanna look at maybe about 1,500 to give you a little bit buffer, I can just put it down. It doesn't mean you have to take it. It just means that it's a a bit of a goal to strive towards that might, you know, be a little bit more suitable with, you know, the the rising cost and expenses and everything since we spoke to you last.\n\nChannel 1: Debbie, take\n\nChannel 0: That'd be good. Yeah. Yeah. Now, also, when it comes to the level of risk that you are comfortable with,\n\nChannel 1: volume now.\n\nChannel 0: when it comes to flux when it comes to your superannuation, so how much fluctuations and stuff that you are comfortable with. Now would you say that you are a very high risk taker, just high, more moderate to somewhere in the middle, or a small risk taker when it comes to your superannuation.\n\nChannel 1: I'll just go in the middle.\n\nChannel 0: In the middle? Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And when it comes to fluctuations in the market. So sometimes markets can fluctuate depending on what is going on in the world. Sometimes investments drop in value, and sometimes they increase in value. Now if something were to be down, so if an investment is down at the moment because something is happening in the world, would you say that, oh, now it's potentially a good opportunity to put a little bit more into that option while the prices are cheaper? Or would you kind of be a bit neutral, just kind of leave it and kind of see what happens?\n\nOr\n\nChannel 1: Yeah. I\n\nChannel 0: would\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: in your call,\n\nChannel 0: just\n\nChannel 1: you know, just\n\nChannel 0: leave\n\nChannel 1: leave\n\nChannel 0: it\n\nChannel 1: it,\n\nChannel 0: neutral?\n\nChannel 1: but, you know, things go\n\nChannel 0: Yeah.\n\nChannel 1: up, go down, you know, the things like\n\nChannel 0: Correct.\n\nChannel 1: that. You know?\n\nChannel 0: Exactly. And if anything were to fall temporarily for you, which is natural, which does happen, would you say that you would, again, be kind of kind of a bit cautious, neutral, not making further investments,\n\nChannel 1: Yeah. I just\n\nChannel 0: or\n\nChannel 1: need to clean. You\n\nChannel 0: just\n\nChannel 1: know?\n\nChannel 0: neutral?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. And last question here is in regards to borrowing money. So would you ever consider taking out a loan to do personal investments?\n\nChannel 1: No. No.\n\nChannel 0: No.\n\nChannel 1: Never\n\nChannel 0: Would you\n\nChannel 1: happened\n\nChannel 0: ever\n\nChannel 1: then.\n\nChannel 0: con no. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: No.\n\nChannel 0: No. Would you take out a loan to buy a property for yourself to live in?\n\nChannel 1: Yeah. That's that's all I want\n\nChannel 0: Yep.\n\nChannel 1: because I never\n\nChannel 0: That's what\n\nChannel 1: have\n\nChannel 0: you\n\nChannel 1: a\n\nChannel 0: want?\n\nChannel 1: cell phone.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now that tells me here that from those questions, you have come out as someone that we call a growth investor. Now that aligns with the portfolio\n\nChannel 1: Okay.\n\nChannel 0: that we currently have you invested in. So they match, which is good. But do you remember what it means to be a growth investor at all?\n\nChannel 1: That's what you\n\nChannel 0: Yes?\n\nChannel 1: say. They're calling me. You know? That's why I stay in there with you guys.\n\nChannel 0: Yeah. So, basically, because there's a lot of different options depending on the level of fluctuations. So in a growth investor, it is somewhere in the middle of the scale. So you're not, like, aggressive or super high risk or high risk. It's more somewhere in the middle where you are wanting to focus on growing your superannuation while you still have time until you want to retire and stop working.\n\nBut also understand that the market do go up and down a little bit, and there will be some of those kind of movements in the short term. Now when we are also then talking about how your money is invested\n\nChannel 1: Yeah.\n\nChannel 0: is that,\n\nChannel 1: Yeah.\n\nChannel 0: typically, you invest about 80% in what we call your growth investments. These are the ones that's going to grow your super the most. We also fluctuate a little bit, and then we also wanna make sure we have some of that defensive component where you kind of stabilize everything. So that can be, like, your gold, your fixed interest, for example, cash as well. You're trying to limit those fluctuations a little bit, and that's about 20 or so percent.\n\nAnd at the same time, when we are wanting to make sure that you have enough time in the market for those little fluctuations to come back around, in a\n\nChannel 1: Mhmm.\n\nChannel 0: typical growth portfolio, we would like to see about six years or so until retirement. And if you, at the moment, are planning on working to maybe 70, you do have that six year time frame as long as you are still kind of happy and comfortable with the way that things are going at the moment with your investment.\n\nChannel 1: Mhmm. Mhmm. Yeah. Yes. I'm\n\nChannel 0: Yes.\n\nChannel 1: pretty happy\n\nChannel 0: Yeah.\n\nChannel 1: on\n\nChannel 0: Great.\n\nChannel 1: that.\n\nChannel 0: Yeah. Perfect. Now do you have access to your emails at the moment, or are you kind of on the go?\n\nChannel 1: On my email?\n\nChannel 0: Yes. Do\n\nChannel 1: Not\n\nChannel 0: you have\n\nChannel 1: right.\n\nChannel 0: access to emails or not really?\n\nChannel 1: Not really. Not really.\n\nChannel 0: No.\n\nChannel 1: I'm not really\n\nChannel 0: That's\n\nChannel 1: get to understand the phone. You know?\n\nChannel 0: no.\n\nChannel 1: But I\n\nChannel 0: That's\n\nChannel 1: only\n\nChannel 0: okay.\n\nChannel 1: but, yeah, I haven't clicked it on my password thing to lock it in. But I\n\nChannel 0: Okay.\n\nChannel 1: will try that. I will try that.\n\nChannel 0: Yeah. So what I have done is I have sent you an email. Now I am okay for you to look at it later when, like, you're in front of a computer or when you have access through your email address. It makes it a bit easier when you're not on the phone. So what I will do is I will just kind of briefly go over what those documents are.\n\nAnd\n\nChannel 1: Yeah.\n\nChannel 0: then when you have a moment later,\n\nChannel 1: Yeah. Yes.\n\nChannel 0: have a look through the document. And if you have any questions when you look at them later, you\n\nChannel 1: Mhmm.\n\nChannel 0: just give me a callback. Okay?\n\nChannel 1: Okay. Thank you very much\n\nChannel 0: Yep.\n\nChannel 1: for that. I\n\nChannel 0: No.\n\nChannel 1: appreciate\n\nChannel 0: That's\n\nChannel 1: that.\n\nChannel 0: so good. That's okay. Now you probably have gone through some of these before. It is pretty straightforward, but in the documents, you will see a Oakview services guide. It is one of those documents that gives you all the important information in regards to all of us here at Oakview.\n\nNone of the important information has changed,\n\nChannel 1: Yeah.\n\nChannel 0: but we have had some updates to marketing. So we've had a bit of an updated photos and a bit more updated marketing. So if that is a document you wanna have a read over, that is all there for you. And if you do have a look at it and you would like to know who you are speaking with today, I am also there on page 10 if you would like to put a face to the voice.\n\nChannel 1: Mhmm. Yeah. Yeah. Yeah. It'd be great day.\n\nChannel 0: Yep. Yeah. Now what you will also see, it is just an update on your superannuation. So you have your superannuation\n\nChannel 1: Mhmm.\n\nChannel 0: with Hub twenty four. We obviously manage it for you, but that is the platform where you have your superannuation. Do you have access to log in to your account, or it's not really something that you keep too\n\nChannel 1: No.\n\nChannel 0: much of\n\nChannel 1: No.\n\nChannel 0: an eye on?\n\nChannel 1: I haven't I haven't logged in yet. I only need to see on an email, but I I wanna get shared on the thing, but I haven't get into that.\n\nChannel 0: Okay. What you can do so when when you have a moment, you\n\nChannel 1: Yeah.\n\nChannel 0: can access that. You can access your account on either the the website or if you have a smartphone, you can download an app on your phone. That way you can check it there as well. And how you log in is when you do go on the website,\n\nChannel 1: Yeah.\n\nChannel 0: what I can do for you is I can get the team to send you an email with instructions and your login ID number. Would that be helpful?\n\nChannel 1: Yeah. Yeah. That'd be great.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That'd\n\nChannel 1: That's\n\nChannel 0: be great.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. And then all you have to do yourself is just to create a password for safety.\n\nChannel 1: Yeah. That is that's\n\nChannel 0: Yeah.\n\nChannel 1: what I need. That one.\n\nChannel 0: Perfect. I will get the team to email that to you. Now it will have the website link on how to log in, but it will also have your special ID number, which is\n\nChannel 1: Mhmm.\n\nChannel 0: what you it's like your account number, what you need to log in, and then you just have to do your own password. Yep. No. That's okay. But, otherwise, when it comes to your super balance, you have a pretty good balance.\n\nAnd at the moment, it's at 104,488. That's what's in your account at the moment.\n\nChannel 1: Big money.\n\nChannel 0: Yes. Yeah. Yeah. Don't spend it all. But yeah.\n\nYou do. It is it is really good. So so that's great. Now when it comes to your investment, so kind of how your super has grown over the last twelve months. Now you probably have seen on the news and read that the last twelve months have been a little bit turbulent.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Obviously, we had everything in The US going on, so with Trump and Tariq and everything. But, also, more recently, with the war in the Middle East, that has seen a bit of fluctuation. So we've had a little bit of that fluctuation in the last twelve months. In Spain, your investments have still done well. So every your investments are still up.\n\nNow in the last twelve months, after all fees so that's after all fees have come out of your account, your portfolio has still gone up by 6.74%, and that is just a return on your investment. And a dollar figure\n\nChannel 1: That'd be great. That was beautiful. This one, you\n\nChannel 0: yeah.\n\nChannel 1: sound\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: It is good. And from a dollar figure, that's about 32,224. So, yeah, so even though we have seen a bit of fluctuations, it's still done good. Now when it comes to your investments as well, we also always want to make sure that we are proactive when it comes to investment because things are always changing. So part of the annual review and the research that we do is to continue to reassess your investment to make sure if we need to make any changes because things are always changes.\n\nThings go up and down. So what I would like to do, if you are happy for me to do so and it doesn't cost anything extra, it's all part of the fee, is after today, I would like to go I just do a bit of a a refresher just to see how all your individual investments are going, if there is any that we maybe want to switch out to something else that is going to give you a bit more growth and more better position for the future. Are you happy\n\nChannel 1: Mhmm.\n\nChannel 0: for me to\n\nChannel 1: Yeah.\n\nChannel 0: do that?\n\nChannel 1: I'm really\n\nChannel 0: Yeah.\n\nChannel 1: happy.\n\nChannel 0: Yeah.\n\nChannel 1: We are open up.\n\nChannel 0: Perfect.\n\nChannel 1: You know?\n\nChannel 0: Yeah.\n\nChannel 1: Good\n\nChannel 0: And\n\nChannel 1: to\n\nChannel 0: it's\n\nChannel 1: talk\n\nChannel 0: good\n\nChannel 1: to\n\nChannel 0: to\n\nChannel 1: you.\n\nChannel 0: do it is good to do every now and then, and especially now recently with everything going on in the market. We wanna make sure that everything continues to align with you and that we do have you in the best investment option. So I will go and do that.\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Now no. That's okay. Now I can see here that you don't have any insurances at the moment. Don't really have any, you know, mortgage or debt or anything through to pay out. But are you still happy without insurances?\n\nChannel 1: Yeah. Yeah. I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: stepping on\n\nChannel 0: Yeah.\n\nChannel 1: that. No. I don't wanna pay\n\nChannel 0: Yeah.\n\nChannel 1: you for any. You\n\nChannel 0: Yeah.\n\nChannel 1: know?\n\nChannel 0: No. That makes sense. Now the last thing is that when you have a bit more time later, have a look through your emails. Have a look through the spam folder\n\nChannel 1: Yeah.\n\nChannel 0: just to keep a lookout for that email. What that shows you is those documents I just kind of discussed with you so you can see it in front of you, but it will also ask you to sign through documents if you are happy with that. Now what they are is an ongoing service agreement. That is the same every single year, and it is a requirement where you have to sign and agree that you are happy to stay on as the client. Now\n\nChannel 1: Yes.\n\nChannel 0: there is no changes in the fee structure. It stays exactly the same at last year. 1.65 from super. No changes whatsoever in regards to that, which is great. And then the last one is just a tax file number form.\n\nIt is just a compliance form to say that we are keeping your tax file number secure and safe on file. Does that all make sense?\n\nChannel 1: Yeah. Yeah. Yeah. I spook.\n\nChannel 0: Yeah. Perfect. So when you have a moment, have a look through your inbox, so just your email,\n\nChannel 1: That is.\n\nChannel 0: and you you will see this email from myself, Veronica. It will say click here to sign now. You will see those documents. If you're happy, add a little signature. It will then automatically send it back to me once you have signed it, and\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: can get all of that processed. But while I do also have you on the phone, just so that I can go through the research I do on your investments, which shouldn't take too long, when is a good time for for me to give you another call just to go through if we want to make any changes to any investment? When is normally a best time for you?\n\nChannel 1: On the on the ferry, I'm going away to overseas. I'll be back on on a on a '14.\n\nChannel 0: Fourteenth?\n\nChannel 1: That was\n\nChannel 0: Okay.\n\nChannel 1: Tuesday. It it be\n\nChannel 0: Yep.\n\nChannel 1: a great time on on Wednesday on the fifteenth.\n\nChannel 0: Let me have a look. Yes. I can do Wednesday the so July 15.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. Would you prefer morning or afternoon?\n\nChannel 1: I'll be home on the I'll be home in in the morning\n\nChannel 0: You'll\n\nChannel 1: because\n\nChannel 0: be home\n\nChannel 1: I\n\nChannel 0: in the morning?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Right. We don't like time, and he kicked me in and then I had to take take time off on a great day and affect me.\n\nChannel 0: Yes.\n\nChannel 1: But I can help you. In the morning, be great.\n\nChannel 0: Morning. Would you prefer 09:00 or 10:00?\n\nChannel 1: Then no problem. Be great.\n\nChannel 0: 10:00. Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: you can have a bit of sleep in if you're a bit jet lagged. Well, that is all booked in. So I'll book that in on Wednesday, July 15 at 10AM.\n\nChannel 1: Yes.\n\nChannel 0: In the meantime, have a look through your email, have a look through those documents, and I will also get my colleague, Whitlam, to send you a separate email with your login instructions so that you can go and access your super as well yourself whenever\n\nChannel 1: Yeah.\n\nChannel 0: you want to.\n\nChannel 1: Thank you for that.\n\nChannel 0: Yeah. No. That is no problem. Now that was everything that I needed to kind of touch on with you today. But do you have any other questions for me at this point otherwise?\n\nChannel 1: Not really not\n\nChannel 0: Not\n\nChannel 1: really\n\nChannel 0: really?\n\nChannel 1: happy. I just ever looking on the email page, and\n\nChannel 0: Yes.\n\nChannel 1: I'm seeing what I\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Exactly.\n\nChannel 1: gonna ask that.\n\nChannel 0: And if you do have\n\nChannel 1: Yeah.\n\nChannel 0: any questions at any point in time, you can always write them down and ask me on the fifteenth, but you can\n\nChannel 1: Yeah.\n\nChannel 0: always send me an email or call the office whenever you want to as well. Okay?\n\nChannel 1: Thank you for that. Thank you very much.\n\nChannel 0: Yep. No problem at all. It was lovely\n\nChannel 1: Alright.\n\nChannel 0: speaking with you. Thank you so much, and I enjoy your holiday. And I will speak to you on Wednesday, July 15.\n\nChannel 1: Okay. Thank you. Thank you for that. Appreciate\n\nChannel 0: No\n\nChannel 1: it.\n\nChannel 0: worries.\n\nChannel 1: Alright.\n\nChannel 0: We'll speak soon.\n\nChannel 1: Good day. Good night. Bye.\n\nChannel 0: Okay. You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.04117589443922043}],"sentiment":"neutral","sentiment_score":0.04117589443922043,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Good afternoon.","start":1.52,"end":2.24,"sentiment":"neutral","sentiment_score":0.2740318477153778},{"text":"This is Veronica from Oakview Financial.","start":2.24,"end":4.18,"sentiment":"neutral","sentiment_score":0.2326477294166883},{"text":"How are you?","start":4.3199997,"end":5.06,"sentiment":"neutral","sentiment_score":0.18298540016015372}],"sentiment":"neutral","sentiment_score":0.22662784294648605,"channel":0,"num_words":11,"start":1.52,"end":5.06},{"sentences":[{"text":"Good.","start":5.2799997,"end":5.52,"sentiment":"positive","sentiment_score":0.5413292646408081},{"text":"Good.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.6388910412788391},{"text":"Thanks.","start":5.8399997,"end":6.3399997,"sentiment":"positive","sentiment_score":0.7122179269790649}],"sentiment":"positive","sentiment_score":0.6308127442995707,"channel":1,"num_words":3,"start":5.2799997,"end":6.3399997},{"sentences":[{"text":"That's good.","start":6.8799996,"end":7.7799997,"sentiment":"positive","sentiment_score":0.7116163372993469},{"text":"I had to book in to go over your annual review.","start":8.32,"end":10.88,"sentiment":"neutral","sentiment_score":0.28666709769855847},{"text":"Is now still a good time for you, or you're a bit busy?","start":10.88,"end":13.62,"sentiment":"neutral","sentiment_score":0.10627291007683827}],"sentiment":"neutral","sentiment_score":0.22915840693391287,"channel":0,"num_words":26,"start":6.8799996,"end":13.62},{"sentences":[{"text":"No beauty at the moment.","start":14.565,"end":15.924999,"sentiment":"neutral","sentiment_score":-0.2863024890422821},{"text":"Yeah.","start":15.924999,"end":16.164999,"sentiment":"neutral","sentiment_score":-0.055478423833847046},{"text":"I'll be alright to stop.","start":16.164999,"end":17.705,"sentiment":"neutral","sentiment_score":-0.019186774268746376}],"sentiment":"neutral","sentiment_score":-0.14390224912627178,"channel":1,"num_words":11,"start":14.565,"end":17.705},{"sentences":[{"text":"Okay.","start":18.145,"end":18.645,"sentiment":"neutral","sentiment_score":0.12080971896648408},{"text":"Perfect.","start":18.785,"end":19.285,"sentiment":"neutral","sentiment_score":0.27949437499046326},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.904999,"end":27.605,"sentiment":"neutral","sentiment_score":0.034546891355822826}],"sentiment":"neutral","sentiment_score":0.04523109494438095,"channel":0,"num_words":31,"start":18.145,"end":27.605},{"sentences":[{"text":"Yeah.","start":28.005,"end":28.325,"sentiment":"neutral","sentiment_score":0.07600677013397217},{"text":"Yeah.","start":28.325,"end":28.825,"sentiment":"neutral","sentiment_score":0.10988999158143996}],"sentiment":"neutral","sentiment_score":0.09294838085770607,"channel":1,"num_words":2,"start":28.005,"end":28.825},{"sentences":[{"text":"Perfect.","start":29.41,"end":29.91,"sentiment":"neutral","sentiment_score":0.21181070804595947},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":29.97,"end":40.39,"sentiment":"neutral","sentiment_score":0.08157171506215544}],"sentiment":"neutral","sentiment_score":0.08529282914740699,"channel":0,"num_words":35,"start":29.41,"end":40.39},{"sentences":[{"text":"My name is Takaonova Taufa.","start":41.260002,"end":43.52,"sentiment":"neutral","sentiment_score":0.01715724729001522}],"sentiment":"neutral","sentiment_score":0.01715724729001522,"channel":1,"num_words":5,"start":41.260002,"end":43.52},{"sentences":[{"text":"Yep.","start":44.204998,"end":44.704998,"sentiment":"neutral","sentiment_score":0.03694537281990051}],"sentiment":"neutral","sentiment_score":0.03694537281990051,"channel":0,"num_words":1,"start":44.204998,"end":44.704998},{"sentences":[{"text":"I'm on a birth certificate.","start":46.074997,"end":47.215,"sentiment":"neutral","sentiment_score":0.030365537852048874},{"text":"It's January 25","start":47.355,"end":49.135,"sentiment":"neutral","sentiment_score":0.01793616699675719}],"sentiment":"neutral","sentiment_score":0.025704523781314492,"channel":1,"num_words":8,"start":46.074997,"end":49.135},{"sentences":[{"text":"Yep.","start":50.125,"end":50.625,"sentiment":"neutral","sentiment_score":0.01610078662633896}],"sentiment":"neutral","sentiment_score":0.01610078662633896,"channel":0,"num_words":1,"start":50.125,"end":50.625},{"sentences":[{"text":"1967.","start":50.155,"end":51.614998,"sentiment":"neutral","sentiment_score":0.02979050576686859}],"sentiment":"neutral","sentiment_score":0.02979050576686859,"channel":1,"num_words":1,"start":50.155,"end":51.614998},{"sentences":[{"text":"Perfect.","start":52.605,"end":53.105,"sentiment":"neutral","sentiment_score":0.17492890357971191},{"text":"And this address as well, please.","start":54.09,"end":56.03,"sentiment":"neutral","sentiment_score":0.07647361606359482}],"sentiment":"neutral","sentiment_score":0.09053865713732583,"channel":0,"num_words":7,"start":52.605,"end":56.03},{"sentences":[{"text":"The address I used I put before, it was in in Gladstone.","start":56.780003,"end":60.64,"sentiment":"neutral","sentiment_score":0.014917785224194327},{"text":"But now I'm I'm moved back to New Chapel, Sydney, in the 115 Becktown Road,","start":61.420002,"end":67.92,"sentiment":"neutral","sentiment_score":0.015866370623310408}],"sentiment":"neutral","sentiment_score":0.015444777112592149,"channel":1,"num_words":27,"start":56.780003,"end":67.92},{"sentences":[{"text":"Okay.","start":69.465,"end":69.784996,"sentiment":"neutral","sentiment_score":0.04606873542070389},{"text":"Perfect.","start":69.784996,"end":70.284996,"sentiment":"neutral","sentiment_score":0.056674323976039886}],"sentiment":"neutral","sentiment_score":0.05137152969837189,"channel":0,"num_words":2,"start":69.465,"end":70.284996},{"sentences":[{"text":"7 Hill.","start":70.015,"end":70.835,"sentiment":"neutral","sentiment_score":0.0016556712798774242}],"sentiment":"neutral","sentiment_score":0.0016556712798774242,"channel":1,"num_words":2,"start":70.015,"end":70.835},{"sentences":[{"text":"I might need to update that because I have a slightly different 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They discuss financial goals, risk tolerance, and retirement plans and retirement strategies. The representatives offer advice on risk tolerance and retirement plans, and provide instructions for updating income and employment information. They also discuss investment portfolios and recent volatility in the market. The representatives reassess investments and offer refresh and a refresher, and provide login information for customers to check their accounts and create passwords. They also mention ongoing reviews and reassess investments for customers."},"intents":{"segments":[{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start_word":86,"end_word":119,"intents":[{"intent":"Confirm address and contact information","confidence_score":0.00009662435}]},{"text":"But when it comes to how much they are paying you into superannuation, is that just like the standard rules, or do you know if they pay you any a deck extra benefit? 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Perfect.","start_word":2050,"end_word":2056,"intents":[{"intent":"Plan rainy day","confidence_score":0.001879271}]},{"text":"Now have you ever bought direct shares on the stock market yourself? Have you ever done any personal investing or anything like that?","start_word":2286,"end_word":2308,"intents":[{"intent":"Evaluate adviser's experience","confidence_score":0.0000036481133}]},{"text":"So when you do turn 60, there's different strategies and stuff that we can work towards together if you want or need some some money from superannuation.","start_word":2471,"end_word":2497,"intents":[{"intent":"Manage superannuation strategies and expenses","confidence_score":0.000008792057}]},{"text":"So if you wanna look at maybe about 1,500 to give you a little bit buffer, I can just put it down. It doesn't mean you have to take it. It just means that it's a a bit of a goal to strive towards that might, you know, be a little bit more suitable with, you know, the the rising cost and expenses and everything since we spoke to you last.","start_word":2778,"end_word":2848,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.0031508745}]},{"text":"So, basically, because there's a lot of different options depending on the level of fluctuations.","start_word":3285,"end_word":3299,"intents":[{"intent":"Analyze asset options","confidence_score":0.0017698853}]},{"text":"Now do you have access to your emails at the moment, or are you kind of on the go? On my email?","start_word":3586,"end_word":3607,"intents":[{"intent":"Ask about access to emails","confidence_score":0.010282462}]},{"text":"just give me a callback. Okay? Okay.","start_word":3768,"end_word":3774,"intents":[{"intent":"Ask about callback","confidence_score":0.009250666}]},{"text":"Now you probably have gone through some of these before. It is pretty straightforward, but in the documents, you will see a Oakview services guide. It is one of those documents that gives you all the important information in regards to all of us here at Oakview.","start_word":3791,"end_word":3837,"intents":[{"intent":"Provide information","confidence_score":0.015050754}]},{"text":"You can access your account on either the the website or if you have a smartphone, you can download an app on your phone. That way you can check it there as well.","start_word":4049,"end_word":4081,"intents":[{"intent":"Access account","confidence_score":0.6996283}]},{"text":"what I can do for you is I can get the team to send you an email with instructions and your login ID number. Would that be helpful? Yeah.","start_word":4096,"end_word":4124,"intents":[{"intent":"Get team email","confidence_score":0.0025529861}]},{"text":"And then all you have to do yourself is just to create a password for safety. Yeah.","start_word":4138,"end_word":4154,"intents":[{"intent":"Create password","confidence_score":0.30483416}]},{"text":"Now when it comes to your investment, so kind of how your super has grown over the last twelve months. Now you probably have seen on the news and read that the last twelve months have been a little bit turbulent. Yeah.","start_word":4279,"end_word":4320,"intents":[{"intent":"Assess investment performance","confidence_score":0.06167205}]},{"text":"Now the last thing is that when you have a bit more time later, have a look through your emails. Have a look through the spam folder Yeah.","start_word":4771,"end_word":4798,"intents":[{"intent":"Automate business meetings","confidence_score":3.913886e-7}]},{"text":"When is normally a best time for you?","start_word":5088,"end_word":5095,"intents":[{"intent":"Schedule call","confidence_score":0.29594272}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.20806355774402616},{"text":"Good. Good. Thanks. That's good.","start_word":12,"end_word":16,"sentiment":"positive","sentiment_score":0.6681797504425049},{"text":"I had to book in to go over your annual review. Is now still a good time for you, or you're a bit busy? No beauty at the moment. Yeah. I'll be alright to stop. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Yeah. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? My name is Takaonova Taufa. Yep. I'm on a birth certificate. It's January 25 Yep. 1967. Perfect. And this address as well, please. The address I used I put before, it was in in Gladstone. But now I'm I'm moved back to New Chapel, Sydney, in the 115 Becktown Road, Okay. Perfect. 7 Hill. I might need to update that because I have a slightly different address. So can you just confirm your new address again, sorry, for me? 115 Road, Yep. Blacktown Road. Road. 115 Blacktown Road, Blacktown Road. Yep. 7 Hill, Seven New South Wales yeah. 2147, Oaks Cove. 2147.","start_word":17,"end_word":221,"sentiment":"neutral","sentiment_score":0.03910066559910774},{"text":"Perfect. Thank you so much. I will get that updated for you.","start_word":222,"end_word":233,"sentiment":"positive","sentiment_score":0.4614391624927521},{"text":"Yeah. Now before I do kind of get started on things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like to focus on or just a bit of an update and see where everything's at? This thing, you know, this update is the main screen, the main thing because this sometime I don't I don't get it. I didn't didn't Yeah. hear from you guys. And then my my phone is you know, the email thing you send it, but some time I get, but some I don't. Okay. And is that the emails from us, like newsletters or, like, from your superannuation with different investments or bit of both? No. I don't want anything, but I only want what you guys have. What Okay. they got from review guide. Yep.","start_word":234,"end_word":384,"sentiment":"neutral","sentiment_score":-0.05274801903607829},{"text":"Perfect.","start_word":385,"end_word":385,"sentiment":"positive","sentiment_score":0.6224521398544312},{"text":"I'll have a look with IT if there's a bug or something, if you if you only receive the emails every now and then, just to make sure everything is up to date so that you do receive all our emails.","start_word":386,"end_word":426,"sentiment":"neutral","sentiment_score":0.20149315893650055},{"text":"Yes. That'd be great.","start_word":427,"end_word":430,"sentiment":"positive","sentiment_score":0.5456452369689941},{"text":"Yep.","start_word":431,"end_word":431,"sentiment":"neutral","sentiment_score":0.2681608200073242},{"text":"Yeah. Perfect.","start_word":432,"end_word":433,"sentiment":"positive","sentiment_score":0.4440024495124817},{"text":"Now the first thing I will go through there with you, it is just a bit of an updated fact find just to see if there is anything major that has changed in your life. If we need to make any changes to your advice or anything, So just bear with me as I kind of run through this information. Yeah. Now when it comes to your personal information, I have you down here as a single with one financial dependent. Is that correct? Yeah. Yeah. Yep. Now I don't actually have a next up PIN on file for you, and that can be anybody. Just in the event that for some reason we cannot get in touch with you at all, it is just someone that we can call just to make sure that you're okay. And like I said, that can be anybody. Do you have anyone you would like to nominate just as a next of kin? You know, I I I just gotta be you know, If I put it in there, it if she find out, it's like it send me the email or thing, and then she's thinking that I put your name on it. You know? You're thinking that money is go to work. No way. You know? Yeah. No. Next NextUp came, they don't have access to anything.","start_word":434,"end_word":659,"sentiment":"neutral","sentiment_score":-0.032450418919324875},{"text":"They can't claim anything.","start_word":660,"end_word":663,"sentiment":"negative","sentiment_score":-0.3348380923271179},{"text":"It is just a point of contact if we can't get in touch with you. So it's not going to that person. They don't have any authority to make any changes in your account or anything like that. It is Mhmm. literally just like an emergency that if we try calling you and emailing you, we just can't get in touch with you. It is just someone that you know that we can call to see and make sure you're okay. But they don't have actually access to anything or Okay. anything. That's why I'll be 40. You know, if I put the name in there, it's it's even gonna claim things. No. You know? No. Yeah. No.","start_word":664,"end_word":781,"sentiment":"neutral","sentiment_score":-0.24114970307228928},{"text":"They can't do anything.","start_word":782,"end_word":785,"sentiment":"negative","sentiment_score":-0.40995994210243225},{"text":"It is literally just just another phone number, and we just to just to check-in on you.","start_word":786,"end_word":802,"sentiment":"neutral","sentiment_score":-0.27975502610206604},{"text":"If for some reason we can't get in touch with you, that's it. They don't have access to anything. They don't have claim for anything. Nothing like that.","start_word":803,"end_word":830,"sentiment":"negative","sentiment_score":-0.3868735134601593},{"text":"Oh, okay. Alright. I I I can't remember. I I give you the name. Yep. Yeah. It his name is Pemipruto, p How do double you spell that? p Yep. m m y Yep. and p u r u t o, Pruto. Perfect. And do you know their phone number by any chance? Can I text after? Because it's just Yeah. I don't Sure. really You can. No. That's okay. You can always email it to us or call us up later and just just provide the number, whatever Yeah. works for you. Yep. Okay. And Thank can you. can I just ask the relationship of that person to you just so I have that on record? That is my fiance. Oh, beautiful. Thank you. Would you like me to update your marital status as engaged? Or Yeah. Yeah. Yeah. They yes. like that. Yeah. Yes. Perfect. Well, congratulations. When did you guys get engaged? With this figure about not enough money, you know. No. It cost a lot. It does. No. Beautiful. Otherwise, when it comes through, obviously, your superannuation, if something were to happen to you, I have that everything goes to your daughter, Gabriela. Mhmm. Okay. That is what I'll be That worried. You know? This is gonna yes. be something I No.","start_word":831,"end_word":1046,"sentiment":"neutral","sentiment_score":0.010683980597941964},{"text":"keep agreeing or something like that.","start_word":1047,"end_word":1052,"sentiment":"negative","sentiment_score":-0.3829467296600342},{"text":"No. Everything goes through Gabriela. That's who you have nominated, and that stays the same as long as you are happy with that. Yeah. Yeah. Yes.","start_word":1053,"end_word":1078,"sentiment":"neutral","sentiment_score":0.11351878196001051},{"text":"Beautiful.","start_word":1079,"end_word":1079,"sentiment":"positive","sentiment_score":0.5598515272140503},{"text":"What's Yeah. Now employment wise, your name? has any of that changed for you, or you're still working as a a painter and plasterer? No. I already left there. I've I mean, I'm working in here in Stedmar in Sydney. Yeah. Inspector. What kind of inspector? This window, Making window. Mark. Yep. And is that working in a at a factory, like, making Yeah. the windows? Yeah. Yeah. Or Yeah. Yeah. In yep. the factory. Okay. Perfect. And when did you start there? They all started last year. That was April. April Yeah. last April last year. year. Perfect. And do you enjoy it so far? Yeah. You know? Pays the bills. Yeah. And do you work full time? Yeah. Yeah. Yeah. Full time. Yes. Yeah. Perfect. Now what's your income at the moment during that? It's here. Two or four hours shift, you know, ten hours if I didn't get walk away with the 1,300 1,400. Mhmm. Wait. Okay. So about 1,400 per Yeah. week aft after Yeah. tax? After tax. Yes. Perfect. And your new employer, who are they? What's the employer name? Yep. Stetvar. Stetvar, s t e t v a r. Yep. Perfect. And do you have a special, like, enterprise bargain agreement or anything like that with them, Or is it just kind of, like, they provide you with, like, the standard employer We're with rate? Mhmm. we we we we we we we we we we we we we we we we we offer but 3.5 3.1 or something and then we ask for 6%, but then now then they stay on on my end. Yep. Okay. So Three is percentage. that kind of is that negotiation still happening? Or They're still It's going. still going. Still going. Still going? Yeah. Okay. But when it comes to how much they are paying you into superannuation, is that just like the standard rules, or do you know if they pay you any a deck extra benefit? Yeah. They actually, they they calling up. At the moment, I I'm paying my super. It's about $1.40 something a Mhmm. week. Yeah. Yep. But it's Okay. my bill if we get that agreement, they're going up to $1.42 or 43, something like that. Okay. Okay. Well, I'll be able to see that on your account as well Yeah. Yeah. just to check. But are you putting any extra money yourself into I'll super, or is it just from your employer that they pay take it some in?","start_word":1080,"end_word":1498,"sentiment":"neutral","sentiment_score":0.00958801909552127},{"text":"damn blow.","start_word":1499,"end_word":1500,"sentiment":"negative","sentiment_score":-0.3765884339809418},{"text":"I haven't decided yet because I'm, Yep. you know, with this, you know, getting Cost that of living. what I anything Yeah. expensive Yes. No. I totally get that. And when it comes to your assets and here. liabilities, I have here that you own a motor vehicle that last was worth about $7,000. Is that still the case? Yeah. Yeah. It's still Yep. yeah. It's still Still going, the that same? one. Yep. And you don't have anything owing on that one, do you? Yeah. I have another car, but it's Okay. it it turned Another me it turned card? me a little. Yeah. And I And bought how much it here. is I bought mhmm. it for $6 when I came 6,000. back here. Yeah. Yep. And do you have anything owing, like a debt on the car, or did you pay No. it outright? No. This thing gets your name Just paid in cash. Yeah. Perfect. Do you have any other assets? on. Any other? No. No. Perfect. Any No. other liabilities, like any personal loans or credit card or anything? Yeah. I got the personal loan on my card on a because I have to have a last time to oversee, and then Yeah. I have Yes. to yeah. I have to follow back and plan Yep. on that fee, and then I was Okay. still paying all the fees. And that was about 10,000, did you say? Yeah. Yep. K.","start_word":1501,"end_word":1745,"sentiment":"neutral","sentiment_score":-0.03764627191181086},{"text":"Perfect.","start_word":1746,"end_word":1746,"sentiment":"positive","sentiment_score":0.6111510992050171},{"text":"Now when it comes to your health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yeah. Yeah. Yeah. Yeah. Yep.","start_word":1747,"end_word":1773,"sentiment":"neutral","sentiment_score":0.17923252284526825},{"text":"Perfect.","start_word":1774,"end_word":1774,"sentiment":"positive","sentiment_score":0.4480300545692444},{"text":"And have you had any significant health issues or changes or injuries or anything? No. Not now. Not No. now. No. Perfect. And when it comes to estate planning, we've already touched on, obviously, if something were to happen, it'll go to Gabriela. But do you have a will or anything like that in place otherwise? No. No. Nope. Nope. And when it comes to your super, that doesn't form part of the estate. So because you have made a a legal if you because you have made a legal nomination, it will go directly through her. Okay. Yeah. Now when it comes to stuff that you are working towards and some goals, it's usually a good time doing annual reviews to do a bit of a check-in to see, okay. Well, what were your goals last time we spoke with you? How did you go with it, and what are you kind of focusing on for the next twelve months? Now when we spoke to you last time, your main focus was to focus on kind of building up a savings account a little bit. Is Mhmm. that still kind of your your main focus, or is it to pay off the personal loan or a bit of combination of the two? I wish I'll need to pick it up myself once because something is gonna happen, and I still Yep. get something. You know? But my Yep. loan is already automatically take it off on on that Okay. side on that thing. Okay. Perfect. So it's just kinda focusing on building up a bit of a emergency account if something Yes. would Yeah. happen for a rainy day? Yep.","start_word":1775,"end_word":2055,"sentiment":"neutral","sentiment_score":0.04332283139228821},{"text":"Perfect.","start_word":2056,"end_word":2056,"sentiment":"positive","sentiment_score":0.3696408271789551},{"text":"Anything else that you are working towards? Not really at the moment. Not really. No. No.","start_word":2057,"end_word":2072,"sentiment":"neutral","sentiment_score":-0.035176265984773636},{"text":"That's okay.","start_word":2073,"end_word":2074,"sentiment":"positive","sentiment_score":0.372554749250412},{"text":"And when it comes to your superannuation, what I wanna do next is just to run through just a bit of a risk profile questionnaire. It is just multiple choice to make it nice and easy. There is no right or wrong answer, and it's just whatever you feel is the most appropriate for you when it comes to your superannuation. Does that make sense?","start_word":2075,"end_word":2139,"sentiment":"neutral","sentiment_score":0.1552290320396423},{"text":"I really don't get it.","start_word":2140,"end_word":2144,"sentiment":"negative","sentiment_score":-0.5063735246658325},{"text":"No. That's What okay. do you mean? So what What so do you what mean? I'm going I'm going to ask you a couple of questions, and I'm going to give you a couple of answers to go with the question, and you just let me know whichever you feel is right for you. Okay. Alright. Okay. Okay. And it's all just theory. So it's just just questions for me to gauge how you are feeling about investments and market fluctuations. It's not actually making a decision to do anything. It is just how you feel about a situation. Yeah. I I Yep. feel it. You know? It's still good because you see if Yeah. the the money is is roughly up. You know? That was good. Yep.","start_word":2145,"end_word":2272,"sentiment":"neutral","sentiment_score":0.07207194715738297},{"text":"It's good.","start_word":2273,"end_word":2274,"sentiment":"positive","sentiment_score":0.3734998404979706},{"text":"Yeah. I think yeah. Yeah.","start_word":2275,"end_word":2279,"sentiment":"neutral","sentiment_score":0.23776069283485413},{"text":"I like that.","start_word":2280,"end_word":2282,"sentiment":"positive","sentiment_score":0.4476364552974701},{"text":"Yeah.","start_word":2283,"end_word":2283,"sentiment":"neutral","sentiment_score":0.31288325786590576},{"text":"That's good.","start_word":2284,"end_word":2285,"sentiment":"positive","sentiment_score":0.4452016353607178},{"text":"Now have you ever bought direct shares on the stock market yourself? Have you ever done any personal investing or anything like that? None. I don't think about No. that one. No. That's okay. And at the moment, when do you think you would like to retire or start drawing an income from your superannuation? You know, I was waiting if what what do I really I I need something. I need something to Mhmm. start up, you know, getting something Mhmm. to post in the house or something, you know, but and this is what I've think about, you know, I'm still capable to work even. Yep. All And I when need yeah. when do you when do you think you would like to stop working? Probably I'm only over 70 or something. Uh-huh. Yep.","start_word":2286,"end_word":2421,"sentiment":"neutral","sentiment_score":-0.028795039281249046},{"text":"Perfect.","start_word":2422,"end_word":2422,"sentiment":"positive","sentiment_score":0.3575877547264099},{"text":"So still still got about ten years or so, if not longer. Yeah. It's still Yeah. lower than than 70. Yeah. Yeah.","start_word":2423,"end_word":2444,"sentiment":"neutral","sentiment_score":0.04254967346787453},{"text":"Now when you do turn 60, you can access some of your superannuation completely tax free Mhmm.","start_word":2445,"end_word":2461,"sentiment":"positive","sentiment_score":0.3737463355064392},{"text":"if you would like or if you need to.","start_word":2462,"end_word":2470,"sentiment":"neutral","sentiment_score":0.2461441457271576},{"text":"So when you do turn 60, there's different strategies and stuff that we can work towards together if you want or need some some money from superannuation.","start_word":2471,"end_word":2497,"sentiment":"positive","sentiment_score":0.345248281955719},{"text":"So keep that in mind as well. So when you do ten sixty, if there is anything if you need Mhmm. anything, there are some rules about how much you can take if you're still working, but we can kind of work with you on that if that is something that you need.","start_word":2498,"end_word":2550,"sentiment":"neutral","sentiment_score":0.19148753583431244},{"text":"That'd be good. Yeah. That's a good idea. Yeah. So and and it's very tax effective as well because superannuation is very tax effective in that you can draw about 10% max per year completely tax free between 60 and 65 if you still work.","start_word":2551,"end_word":2595,"sentiment":"positive","sentiment_score":0.4759880304336548},{"text":"So we Yeah.","start_word":2596,"end_word":2598,"sentiment":"neutral","sentiment_score":0.28774499893188477},{"text":"can kinda work with that with you when you turn 60.","start_word":2599,"end_word":2609,"sentiment":"positive","sentiment_score":0.3397941589355469},{"text":"So keep that in your back pocket. I'll make a little note as well, and we can always reassess that for you. Yeah.","start_word":2610,"end_word":2632,"sentiment":"neutral","sentiment_score":0.22002118825912476},{"text":"Not a good idea.","start_word":2633,"end_word":2636,"sentiment":"negative","sentiment_score":-0.3899970948696137},{"text":"Yeah. But the artist and I bring some time, you know, to see organize Yes. something. Yeah. And, otherwise, I have here that when you do decide to retire completely, that on a a weekly basis, so how much money you need from superannuation to support your lifestyle and finances and everything, that, ideally, about a thousand dollars per week is sufficient. Is that still the case, or do you think you need closer to maybe, like, 1,500 similar to what you are receiving at the moment? Can I pick can you do Yes.","start_word":2637,"end_word":2730,"sentiment":"neutral","sentiment_score":0.107676200568676},{"text":"You it's it's just a goal. So what it is, it is just a goal for us to that? try to help achieve for you.","start_word":2731,"end_word":2755,"sentiment":"positive","sentiment_score":0.4065407514572144},{"text":"So if you you can tell me whatever amount you you want, and we can kinda work with that for you. So if you wanna look at maybe about 1,500 to give you a little bit buffer, I can just put it down. It doesn't mean you have to take it. It just means that it's a a bit of a goal to strive towards that might, you know, be a little bit more suitable with, you know, the the rising cost and expenses and everything since we spoke to you last.","start_word":2756,"end_word":2847,"sentiment":"neutral","sentiment_score":0.1692807588564313},{"text":"Debbie, take That'd be good.","start_word":2848,"end_word":2852,"sentiment":"positive","sentiment_score":0.346015989780426},{"text":"Yeah. Yeah. Now, also, when it comes to the level of risk that you are comfortable with, volume now. when it comes to flux when it comes to your superannuation, so how much fluctuations and stuff that you are comfortable with. Now would you say that you are a very high risk taker, just high, more moderate to somewhere in the middle, or a small risk taker when it comes to your superannuation. I'll just go in the middle. In the middle? Yep.","start_word":2853,"end_word":2935,"sentiment":"neutral","sentiment_score":0.06748683750629425},{"text":"Perfect.","start_word":2936,"end_word":2936,"sentiment":"positive","sentiment_score":0.50300133228302},{"text":"Yeah. And when it comes to fluctuations in the market. So sometimes markets can fluctuate depending on what is going on in the world. Sometimes investments drop in value, and sometimes they increase in value. Now if something were to be down, so if an investment is down at the moment because something is happening in the world, would you say that, oh, now it's potentially a good opportunity to put a little bit more into that option while the prices are cheaper? Or would you kind of be a bit neutral, just kind of leave it and kind of see what happens? Or Yeah. I would just you in your call, just you know, just leave leave it it, neutral? but, you know, things go Yeah. up, go down, you know, the things like Correct. that. You know? Exactly. And if anything were to fall temporarily for you, which is natural, which does happen, would you say that you would, again, be kind of kind of a bit cautious, neutral, not making further investments, Yeah. I just or need to clean. You just know? neutral? Yeah. Yes. And last question here is in regards to borrowing money. So would you ever consider taking out a loan to do personal investments? No. No. No. Never Would you happened ever then. con no. Would you ever consider taking out a loan to buy an investment property? No. No. Would you take out a loan to buy a property for yourself to live in? Yeah. That's that's all I want Yep. because I never That's what have you a want? cell phone. Yeah. Yeah.","start_word":2937,"end_word":3208,"sentiment":"neutral","sentiment_score":-0.03587249613038319},{"text":"Perfect.","start_word":3209,"end_word":3209,"sentiment":"positive","sentiment_score":0.5201312303543091},{"text":"Now that tells me here that from those questions, you have come out as someone that we call a growth investor. Now that aligns with the portfolio Okay. that we currently have you invested in.","start_word":3210,"end_word":3244,"sentiment":"neutral","sentiment_score":0.1869155764579773},{"text":"So they match, which is good.","start_word":3245,"end_word":3250,"sentiment":"positive","sentiment_score":0.4061509370803833},{"text":"But do you remember what it means to be a growth investor at all? That's what you Yes? say. They're calling me. You know? That's why I stay in there with you guys. Yeah. So, basically, because there's a lot of different options depending on the level of fluctuations. So in a growth investor, it is somewhere in the middle of the scale. So you're not, like, aggressive or super high risk or high risk. It's more somewhere in the middle where you are wanting to focus on growing your superannuation while you still have time until you want to retire and stop working. But also understand that the market do go up and down a little bit, and there will be some of those kind of movements in the short term. Now when we are also then talking about how your money is invested Yeah. is that, Yeah. typically, you invest about 80% in what we call your growth investments. These are the ones that's going to grow your super the most. We also fluctuate a little bit, and then we also wanna make sure we have some of that defensive component where you kind of stabilize everything. So that can be, like, your gold, your fixed interest, for example, cash as well. You're trying to limit those fluctuations a little bit, and that's about 20 or so percent. And at the same time, when we are wanting to make sure that you have enough time in the market for those little fluctuations to come back around, in a Mhmm. typical growth portfolio, we would like to see about six years or so until retirement. And if you, at the moment, are planning on working to maybe 70, you do have that six year time frame as long as you are still kind of happy and comfortable with the way that things are going at the moment with your investment. Mhmm. Mhmm. Yeah. Yes. I'm Yes.","start_word":3251,"end_word":3577,"sentiment":"neutral","sentiment_score":0.10784014457956366},{"text":"pretty happy Yeah. on Great. that. Yeah. Perfect.","start_word":3578,"end_word":3585,"sentiment":"positive","sentiment_score":0.5289464592933655},{"text":"Now do you have access to your emails at the moment, or are you kind of on the go? On my email? Yes. Do Not you have right. access to emails or not really? Not really. Not really. No. I'm not really That's get to understand the phone. You know? no. But I That's only okay. but, yeah, I haven't clicked it on my password thing to lock it in. But I Okay. will try that. I will try that. Yeah. So what I have done is I have sent you an email. Now I am okay for you to look at it later when, like, you're in front of a computer or when you have access through your email address. It makes it a bit easier when you're not on the phone. So what I will do is I will just kind of briefly go over what those documents are. And Yeah. then when you have a moment later, Yeah. Yes. have a look through the document. And if you have any questions when you look at them later, you Mhmm. just give me a callback. Okay? Okay. Thank you very much Yep. for that. I No. appreciate That's that.","start_word":3586,"end_word":3786,"sentiment":"neutral","sentiment_score":0.04765786603093147},{"text":"so good.","start_word":3787,"end_word":3788,"sentiment":"positive","sentiment_score":0.4110022485256195},{"text":"That's okay. Now you probably have gone through some of these before. It is pretty straightforward, but in the documents, you will see a Oakview services guide. It is one of those documents that gives you all the important information in regards to all of us here at Oakview. None of the important information has changed, Yeah. but we have had some updates to marketing. So we've had a bit of an updated photos and a bit more updated marketing. So if that is a document you wanna have a read over, that is all there for you. And if you do have a look at it and you would like to know who you are speaking with today, I am also there on page 10 if you would like to put a face to the voice. Mhmm. Yeah. Yeah.","start_word":3789,"end_word":3928,"sentiment":"neutral","sentiment_score":0.09361651241779329},{"text":"Yeah. It'd be great day.","start_word":3929,"end_word":3933,"sentiment":"positive","sentiment_score":0.6902197003364563},{"text":"Yep. Yeah. Now what you will also see, it is just an update on your superannuation. So you have your superannuation Mhmm. with Hub twenty four. We obviously manage it for you, but that is the platform where you have your superannuation. Do you have access to log in to your account, or it's not really something that you keep too No. much of No. an eye on? I haven't I haven't logged in yet. I only need to see on an email, but I I wanna get shared on the thing, but I haven't get into that. Okay. What you can do so when when you have a moment, you Yeah. can access that. You can access your account on either the the website or if you have a smartphone, you can download an app on your phone. That way you can check it there as well. And how you log in is when you do go on the website, Yeah. what I can do for you is I can get the team to send you an email with instructions and your login ID number. Would that be helpful? Yeah. Yeah.","start_word":3934,"end_word":4125,"sentiment":"neutral","sentiment_score":0.051012683659791946},{"text":"That'd be great.","start_word":4126,"end_word":4128,"sentiment":"positive","sentiment_score":0.46768468618392944},{"text":"Yes. Yeah. Yeah. That'd That's be great. yeah.","start_word":4129,"end_word":4136,"sentiment":"neutral","sentiment_score":0.2186637669801712},{"text":"Perfect.","start_word":4137,"end_word":4137,"sentiment":"positive","sentiment_score":0.4360457062721253},{"text":"And then all you have to do yourself is just to create a password for safety. Yeah. That is that's Yeah. what I need. That one.","start_word":4138,"end_word":4163,"sentiment":"neutral","sentiment_score":0.15187253057956696},{"text":"Perfect.","start_word":4164,"end_word":4164,"sentiment":"positive","sentiment_score":0.4095556139945984},{"text":"I will get the team to email that to you. Now it will have the website link on how to log in, but it will also have your special ID number, which is Mhmm. what you it's like your account number, what you need to log in, and then you just have to do your own password. Yep. No. That's okay. But, otherwise, when it comes to your super balance, you have a pretty good balance. And at the moment, it's at 104,488. That's what's in your account at the moment. Big money. Yes. Yeah. Yeah. Don't spend it all. But yeah.","start_word":4165,"end_word":4266,"sentiment":"neutral","sentiment_score":0.13984782248735428},{"text":"You do. It is it is really good. So so that's great.","start_word":4267,"end_word":4278,"sentiment":"positive","sentiment_score":0.6478864550590515},{"text":"Now when it comes to your investment, so kind of how your super has grown over the last twelve months. Now you probably have seen on the news and read that the last twelve months have been a little bit turbulent. Yeah. Yeah. Obviously, we had everything in The US going on, so with Trump and Tariq and everything. But, also, more recently, with the war in the Middle East, that has seen a bit of fluctuation. So we've had a little bit of that fluctuation in the last twelve months. In Spain, your investments have still done well. So every your investments are still up. Now in the last twelve months, after all fees so that's after all fees have come out of your account, your portfolio has still gone up by 6.74%, and that is just a return on your investment. And a dollar figure That'd be great.","start_word":4279,"end_word":4428,"sentiment":"neutral","sentiment_score":0.08582714945077896},{"text":"That was beautiful.","start_word":4429,"end_word":4431,"sentiment":"positive","sentiment_score":0.7090087532997131},{"text":"This one, you yeah. sound Yeah.","start_word":4432,"end_word":4437,"sentiment":"neutral","sentiment_score":0.3176896870136261},{"text":"good. It is good.","start_word":4438,"end_word":4441,"sentiment":"positive","sentiment_score":0.4639340043067932},{"text":"And from a dollar figure, that's about 32,224. So, yeah, so even though we have seen a bit of fluctuations, it's still done good. Now when it comes to your investments as well, we also always want to make sure that we are proactive when it comes to investment because things are always changing. So part of the annual review and the research that we do is to continue to reassess your investment to make sure if we need to make any changes because things are always changes. Things go up and down. So what I would like to do, if you are happy for me to do so and it doesn't cost anything extra, it's all part of the fee, is after today, I would like to go I just do a bit of a a refresher just to see how all your individual investments are going, if there is any that we maybe want to switch out to something else that is going to give you a bit more growth and more better position for the future. Are you happy Mhmm. for me to Yeah. do that? I'm really Yeah.","start_word":4442,"end_word":4633,"sentiment":"neutral","sentiment_score":0.1537654520943761},{"text":"happy. Yeah. We are open up. Perfect. You know? Yeah. Good And to it's talk good to to you. do it is good to do every now and then, and especially now recently with everything going on in the market. We wanna make sure that everything continues to align with you and that we do have you in the best investment option. So I will go and do that.","start_word":4634,"end_word":4702,"sentiment":"positive","sentiment_score":0.48224085569381714},{"text":"Yes.","start_word":4703,"end_word":4703,"sentiment":"neutral","sentiment_score":0.29188215732574463},{"text":"Thank you.","start_word":4704,"end_word":4705,"sentiment":"positive","sentiment_score":0.40784597396850586},{"text":"Now no. That's okay. Now I can see here that you don't have any insurances at the moment. Don't really have any, you know, mortgage or debt or anything through to pay out. But are you still happy without insurances? Yeah. Yeah. I'm I'm Yep. stepping on Yeah. that. No. I don't wanna pay Yeah. you for any. You Yeah. know? No. That makes sense. Now the last thing is that when you have a bit more time later, have a look through your emails. Have a look through the spam folder Yeah. just to keep a lookout for that email. What that shows you is those documents I just kind of discussed with you so you can see it in front of you, but it will also ask you to sign through documents if you are happy with that. Now what they are is an ongoing service agreement. That is the same every single year, and it is a requirement where you have to sign and agree that you are happy to stay on as the client. Now Yes. there is no changes in the fee structure. It stays exactly the same at last year. 1.65 from super.","start_word":4706,"end_word":4904,"sentiment":"neutral","sentiment_score":0.057005368173122406},{"text":"No changes whatsoever in regards to that, which is great.","start_word":4905,"end_word":4914,"sentiment":"positive","sentiment_score":0.34523624181747437},{"text":"And then the last one is just a tax file number form. It is just a compliance form to say that we are keeping your tax file number secure and safe on file. Does that all make sense? Yeah. Yeah. Yeah. I spook. Yeah. Perfect. So when you have a moment, have a look through your inbox, so just your email, That is. and you you will see this email from myself, Veronica. It will say click here to sign now. You will see those documents. If you're happy, add a little signature. It will then automatically send it back to me once you have signed it, and Yeah. I Yeah. can get all of that processed. But while I do also have you on the phone, just so that I can go through the research I do on your investments, which shouldn't take too long, when is a good time for for me to give you another call just to go through if we want to make any changes to any investment? When is normally a best time for you? On the on the ferry, I'm going away to overseas. I'll be back on on a on a '14. Fourteenth? That was Okay. Tuesday. It it be Yep.","start_word":4915,"end_word":5123,"sentiment":"neutral","sentiment_score":0.12152519137665416},{"text":"a great time on on Wednesday on the fifteenth.","start_word":5124,"end_word":5132,"sentiment":"positive","sentiment_score":0.501643717288971},{"text":"Let me have a look. Yes. I can do Wednesday the so July 15. Yeah. Yeah. Yes. Would you prefer morning or afternoon? I'll be home on the I'll be home in in the morning You'll because be home I in the morning? yeah. Yeah. Yes. Right.","start_word":5133,"end_word":5179,"sentiment":"neutral","sentiment_score":0.07145271450281143},{"text":"We don't like time, and he kicked me in and then I had to take take time off on a great day and affect me.","start_word":5180,"end_word":5204,"sentiment":"negative","sentiment_score":-0.42768222093582153},{"text":"Yes. But I can help you. In the morning, be great. Morning. Would you prefer 09:00 or 10:00? Then no problem.","start_word":5205,"end_word":5225,"sentiment":"neutral","sentiment_score":0.16291841864585876},{"text":"Be great.","start_word":5226,"end_word":5227,"sentiment":"positive","sentiment_score":0.35310685634613037},{"text":"10:00. Yeah. So Yeah. you can have a bit of sleep in if you're a bit jet lagged. Well, that is all booked in. So I'll book that in on Wednesday, July 15 at 10AM. Yes. In the meantime, have a look through your email, have a look through those documents, and I will also get my colleague, Whitlam, to send you a separate email with your login instructions so that you can go and access your super as well yourself whenever Yeah. you want to.","start_word":5228,"end_word":5313,"sentiment":"neutral","sentiment_score":0.17750532925128937},{"text":"Thank you for that.","start_word":5314,"end_word":5317,"sentiment":"positive","sentiment_score":0.6273971796035767},{"text":"Yeah. No.","start_word":5318,"end_word":5319,"sentiment":"neutral","sentiment_score":0.2806488275527954},{"text":"That is no problem. Now that was everything that I needed to kind of touch on with you today.","start_word":5320,"end_word":5338,"sentiment":"positive","sentiment_score":0.34306856989860535},{"text":"But do you have any other questions for me at this point otherwise?","start_word":5339,"end_word":5351,"sentiment":"neutral","sentiment_score":0.07855132222175598},{"text":"Not really not Not really really?","start_word":5352,"end_word":5357,"sentiment":"negative","sentiment_score":-0.3417344391345978},{"text":"happy. I just ever looking on the email page, and Yes. I'm seeing what I Yeah. I'm Exactly. gonna ask that. And if you do have Yeah. any questions at any point in time, you can always write them down and ask me on the fifteenth, but you can Yeah. always send me an email or call the office whenever you want to as well. Okay?","start_word":5358,"end_word":5423,"sentiment":"neutral","sentiment_score":0.011777040633288298},{"text":"Thank you for that. Thank you very much.","start_word":5424,"end_word":5431,"sentiment":"positive","sentiment_score":0.7487927675247192},{"text":"Yep.","start_word":5432,"end_word":5432,"sentiment":"neutral","sentiment_score":0.3281885087490082},{"text":"No problem at all. It was lovely Alright. speaking with you. Thank you so much, and I enjoy your holiday.","start_word":5433,"end_word":5452,"sentiment":"positive","sentiment_score":0.7170215845108032},{"text":"And I will speak to you on Wednesday, July 15. Okay.","start_word":5453,"end_word":5463,"sentiment":"neutral","sentiment_score":0.2952331006526947},{"text":"Thank you. Thank you for that.","start_word":5464,"end_word":5469,"sentiment":"positive","sentiment_score":0.6442232728004456},{"text":"Appreciate No it. worries. Alright. We'll speak soon.","start_word":5470,"end_word":5477,"sentiment":"neutral","sentiment_score":0.16948944330215454},{"text":"Good day. Good night.","start_word":5478,"end_word":5481,"sentiment":"positive","sentiment_score":0.4622720181941986},{"text":"Bye. Okay. You too. Bye. Bye.","start_word":5482,"end_word":5487,"sentiment":"neutral","sentiment_score":0.15783211588859558}],"average":{"sentiment":"neutral","sentiment_score":0.07123642090696013}}}}