{"metadata":{"transaction_key":"deprecated","request_id":"019df6b4-8baa-70b3-b295-6e8335a95182","sha256":"f5aa47e91490c492a3108b6197e692d1b59d48328db9d55ae6edafb4f3510dc5","created":"2026-05-05T05:55:22.713Z","duration":1415.9519,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5571,"output_tokens":134},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6227,"output_tokens":6240},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6227,"output_tokens":462}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Rachel. It's Tommy here, senior adviser from Oakview. How are you going? I'm doing absolutely fantastic. I'm just calling you to go through your annual review. Perfect. Now before I shoot off your annual review pack to your email, are you okay for this call to be recorded? Perfect. And just for the usual security process, so I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? I'll probably have to update that one. Do you remember what your previous one would have been? I'm the same way with the moving thirteen times. So you were saying two two seven Toorak Road, did you say? And do you remember the suburb and postcode? I'll put you on the spot today. I apologize. And one last thing I'll check, which will be easier, would be your email address. Perfect. I think that that adds up to three full points of ID. 90 percent of an address and an email address definitely counts. It was 208. There you go. And it was, yeah, 227. All that was correct. So I'm definitely comfortable that it is you, Rachel. Could I just quickly take down that address again, please? I just wanna actually write it down so I can update details. Yes, please. Nine zero 6 480 Riversdale Road and suburb. Hawthorne East. 3123. That's easy enough to remember. Now just quickly, I'm just gonna quickly do the old Google Maps just to make sure I've got the correct everything there. Riverdale Road, Hawthorne East 31239064 80. I do have it here. Alright. So what I might do too, just after the review and everything is done, are you okay for me to see if we need to update your, like, your Superfund address as well? Let's have a squeeze. We have it set to yeah. We'll have to update the residential address. Are you okay for that to be your postal address too? Easy done. Perfect. It depends. So once everything that we do when it comes to superannuation is linked to, like, your ID, your driver's license. So have you updated surname, and does that reflect across all of your ID now? Some of it. Yeah. It is hard to to tick everything off. That's okay. So is that from a marriage? Is that right? Or okay. So instead of Lambert, what would be the new surname? Y a r k, and that's married name. So if it's okay with you, I might send everything out into the one pack, and we can update your address and name as long as you're okay for us to certify, like, your marriage certificate and updated driver's license. Perfect. So I'll put that in for the team to organize with you. And driver's license. It's just our usual checks we do, like the the photo with the ID. I'll certify it as the adviser, and we can update everything in one one sweep. Right. Perfect. Are you okay for the documents for today's review to come out matching the details on your hub 24 until we get that updated? K. I'm gonna pop this through to your Gmail address. Will you be able to look onto the documents with me while I go through them with you? That's perfectly fine. So I'm just sending out the annual review pack from our new system, which is Odoo. It'll give you a a set of attachments similar to a normal email, but there's also a digital authorization link as well. Happens to the best of us, Rachel. Stay with me. That's okay? Perfect. Cool. So before I dive into these attachments with you, is there anything in particular you would like to get out of this year's review besides updating your details? Yep. Just a bit of a general update, that kind of thing. Okay. I'm just gonna briefly start with your goals here because I just wanna see how you were going with everything, and I'll update those too. You had some pretty big goals last time you spoke to Veronica about you just got married at the time, so now the details are updated. You guys were going to Europe, to Barcelona, and Paris. Did you end up going? Beautiful. Great to hear. And you did have a goal there trying to save up to purchase a property as well. Cool. That's still your main focus for the next, say, three years or so? K. And have you guys actually discussed any kind of figures about what type of property you're trying to purchase, or is it still a little bit far away for that? No worries at all. Would you have built up any kind of savings and deposit towards that that goal so far or still just trying to settle into the new groove? Perfect. Can I note down just maybe, like, a tentative figure in terms of cash savings for your file? $5.10, $15.50? Oh, fantastic. Well done, you guys. Alright. Now I do only just have a couple last details to update, and I just wanna make sure our new system reflects correctly because we've converted all the data across. So last couple of questions, then we'll dive right into the super if that's okay. We had you working as a service person driver for Kennett's, which I can still see their contributions coming through. It looks like maybe your income's bumped up slightly. Would you still be on around 72,000, or do you know a bit of an updated annual salary? K. Do you want me to put, like, 75 down for the time being just as a bit of a yep. Perfect. Are you still able to put aside approximately 300 a week into savings towards that deposit? I think that's what we had last time. Yeah. It goes up and down with whatever's blowing up on the news, doesn't it? Perfect. Cool. And last couple of questions. Have you guys ever gone through, like, a bankruptcy or a part nine debt agreement before? That's more like an insolvency question. And did you end up putting in place, like, a will and a power of attorney for your estate planning? Easy done. If it is helpful, I know it can be a bit daunting to try and find, like, a solicitor to put in place a will, but there's also public trustees of every state. So in Victoria, the the kind of courthouse does appointments for wills and power of attorneys, and the post office has government approved will kits, like, $25 if that helps as well. Cool. Alright. Is there anything in particular that you guys have for goals in the next three, five years that I haven't already captured in terms of the family plan? Fantastic. And I think we had you listed down as a nonsmoker. Is that correct? Perfect. So that's all lining up perfectly. Now if you look at that email that I've sent you, you should see some attachments, like little PDF attachments there. And you have, like, a hub 24 should say hub twenty four IRR, so internal rate of return. That's the main one I wanted to have a quick look at you with if that's okay. Cool. Rachel, do you log in to your hub twenty four every now and then, or is it more just when you when the reviews come along? Perfect. So when I look at your account and I do a full review, I know that you were previously with Netwealth with us, and we moved you across just over a year ago into Hub twenty four. Does that ring a bell? Cool. So I'm looking at the original advice. Some pretty good news is that we had a bit of a five year projection when you came on board to reach 92,000 after five years. And at just over five years, you're sitting at a hundred and two thousand six thirty five currently. So pretty much just exceeded expectations for five years. Okay? Now you did go into a pretty high growth portfolio within Hub. So most of your super is in growth assets, shares, property, gold, that kind of high risk, high return if that rings a bell. Yep. Now world kind of blown up, which has been for an interesting twelve months for you being in Hub twenty four. Good news is you're still positive for the year, about four and a half percent, but that previous portfolio that you were in in Netwealth, if you stayed there, you would have been in the negative. So it was definitely a good move. But we're still not out of the woods just yet. Like, I think that this situation is probably gonna last throughout the year, pretty much. So our general plan there is because you do have so many years until retirement that we kind of use these dips as a bit of a buying opportunity. Your contributions come in from work. If the market dips a little bit, we can buy some shares and property for a cheaper price. And when the market goes up, you get those bigger returns on the way up. K? So generally speaking, high growth, you wanna average at about 10% plus per year. Some years, you'll go up ten, twenty, 30. Once every seven years, there's gonna be a crash, and it's gonna drop 20 or 30%. But it should average out in double digits. Does that make sense? K. So do you have a preference between, I guess, retiring early towards the age of 60 when you can access your super, or are you okay to kind of work through a little bit more slow and steady into those later years? Yep. So would you still then be focused on trying to get, I guess, as much growth out of the supers as you can at this point? Like, what would you say your main priority is at the moment? No. That's totally fine. That's part of part of what I'm here to do as well. Because once you hit that 60, you can start accessing your super. That's your preservation age. And I mentioned before that every seven years or so, we have a stock market crash. There's a financial crisis, COVID, that type of thing. That pretty much means that if you go middle of the road towards the mid sixties, you've got about fourteen years to build up the super. So if you split that into seven year cycles, it means you have one market cycle to get as much growth as you can and then one cycle where we have to start protecting your super, gradually reducing the risk as you get closer. Because you probably don't wanna be high risk at 63, and you lose half of it in the stock market crash a year before you retire. Do you know what I mean? So as long as you're comfortable with the fact that it will go up and down like a bit of a roller coaster, I'm okay for you to keep focusing on the growth because, you know, your contributions are going in, get as much returns as you can. And then once we get closer to retirement, we can start reducing the risk level gradually. What that kind of looks like is if you're at 90% shares and property now, that last seven years, you're probably gonna go eighty, seventy, sixty, fifty, forty percent, and then that's your pension account in your mid sixties. Does that make sense? K. Now one thing that I wanted to sort of point out in that chart, the the Hub 24 charts are a bit big. Lots of figures all over them. Can you see the second page there, how it's just got one line in the table, whereas the first page has a whole bunch of lines. So on that second page, on the very right hand side, that's your net return of that 4.4% after fees. K? If you go back up to that first page where you've got all of those different codes, that's all of your investment options that we have you in. K? Now if you go on the right hand side, can you see how half of them have brackets around them and half of them don't in those percentages? K? So anything with the percentage is a positive return for the option. Anything with the brackets is a negative return for the option. So you can kind of see they're offsetting each other. You've got your gold in the middle going up 23, but then your Indian shares going down 16%. And it's this this volatility that's going on where some sectors and countries are going up and some are going down. Does that make sense? K. So long term, that should all be okay. It might be worth doing a little bit of an update to some of these options just to make sure it's a a bit of an oil change and going correctly, if that's okay. K? So if you'll still because, again, a 102,000, that's not gonna get you a crazy retirement for twenty, thirty years and and all the riches in the world. So, yes, try and grow it as much as we can. Along the way there, I just need to tune up a few of those options every now and then. K? Now this there's no wrong answer here. This is really gut feeling. I've got one question for you. If you had to choose between low fee investments or paying a higher fee to try and get a higher return, do you have a strong leaning between one or the other? And that's actually a fine answer too. Sometimes when I ask that question, clients have a pretty big, like, oh my god. No. No. It has to be this one. It has to be that one. And if that's the case, then I can kind of change the style of your options, if that makes sense. Now if you don't have a strong leaning one way or the other, you're actually in a blend of both currently. So if you're okay with that and we can still keep you on track, I will keep it in the same style. Cool. Perfect. So I'll do a little bit of an update there, keep it within the high growth. Now because you are focusing so much on that property purchase, I do have to ask the question if you wanna look at doing some salary sacrifice into your super, boost it up that way as well with the tax difference on the contributions, put a little extra in, or would you prefer to just let the the investments do the heavy lifting while you're saving up for that house? Yep. One of the things that would be really good for you, I think, is that if you're still trying to purchase that home, you can pretty much let that high growth do most of the heavy lifting for that first seven years. Once you hit 60 plus, we can do a couple of other little strategies. So when you hit 60, if you're not gonna retire for another four or five years, we can actually pull up to 10% of your super out, put it back in for a tax deduction, and the difference in the taxes can boost up your super without costing you anything in the pocket. So what I'm gathering here is just kind of like preferences. So I can say, okay. I'll focus on the high growth returns for now. We won't do any salary sacrifice because you've got other priorities. And then once we get to the later years, we can engage in a few extra strategies on top. Okay? Perfect. I will craft all this together for you for a bit of an update. Just in terms of estate planning, we did have three people listed as your beneficiaries, which is Joseph, Joshua, and Tazia. Split between 50%, 25, and 25. Is that still okay? Perfecto. And I think the last thing I was looking at was I don't believe you have any, like, insurances in place. There's no life insurance or anything that I can see at the moment. Does that make sense? Yep. Were you wanting me to get any quotes for any type of insurances or protection this year? Perfect. So just keep trucking along. We'll keep growing the super, let you guys focus on what you do best, and then we can revisit a few things in a few years. Cool. Anything else you might want to talk about this review? Any other advice on your mind at the moment? So that pack that comes through, it does include an updated service agreement for another twelve months, but I do have to ask if you're still comfortable for us to look after your super. Perfect. Before you sign it, it does have the usual 1.65%. That's the fee that gets split out onto little monthly payments throughout the super. And then because it's an expense in super, you get, like, a 15% rebate paid through the super as well. Sort of reduces the cost down a little bit. K? Now alongside that agreement there and the performance, we've included, like, an updated financial services guide. It's our updated licensing information. So who we are, what we can advise on, complaints, procedure, consumer protections, privacy policy, if anything pops up, that's kind of your holy bible for that information. K? Now, Rachel, that pretty much brings me towards the end of the review. Do you have any questions for me at this point? Perfect. So what I'm gonna do is I'm gonna leave that one with you. There is one other document alongside that agreement. And just letting you know what it is, there's a tax file number opt in form. So because of all of the cybersecurity issues that happened last year, we just wanna make sure we can get our client's consent for holding that number just to make sure it's on that one form. K. Any questions on that? Cool. So if it's okay with you, I will go and do a little bit of research with the team to do that engine tune up on the super, and they'll probably get you booked in in a few weeks' time just so I can kind of show you what we're looking to change, make sure you're comfortable before we touch anything. Cool. I do really appreciate you taking the time to talk to me today. Any last questions before I let you go? Yeah. So that's if you can give that one a sign now, that's for remaining advisers on your account and that tax file number doc. It should let you either draw your signature on there or it'll try and stamp your name on there. Could you just let me know if it allows you to draw your signature? Okay. Let's just understand one instead. It doesn't let you kind of put your finger on on that stamp and open up, like, a little drawing box. There we go. So if you can draw that one to match your I don't know if you remember your original signature before you updated your name. So if you could just try and draw it so it matches your Lambert signature, I will get the team to draft up all the documents for your address and name change to match up with hub twenty four. Is that okay? Perfect. Sometimes I know it can be fun when you get a form that says, hey. Draw your old signature in your new one. And a few years down the line, some people actually forget their old one. Perfect. Alright, Rachel. So in between now and that booking, I'll get the team to kind of post out a bit of a pack, send you some information so we can get all your details updated with Hub twenty four. Awesome. Thank you so much for your time today, and we will probably be speaking to you in about a fortnight. Thanks, Rachel. 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afternoon, Rachel. It's Tommy here, senior adviser from Oakview. How are you going? I'm doing absolutely fantastic. I'm just calling you to go through your annual review.\n\nPerfect. Now before I shoot off your annual review pack to your email, are you okay for this call to be recorded? Perfect. And just for the usual security process, so I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nI'll probably have to update that one. Do you remember what your previous one would have been? I'm the same way with the moving thirteen times. So you were saying two two seven Toorak Road, did you say? And do you remember the suburb and postcode?\n\nI'll put you on the spot today. I apologize. And one last thing I'll check, which will be easier, would be your email address. Perfect. I think that that adds up to three full points of ID.\n\n90 percent of an address and an email address definitely counts. It was 208. There you go. And it was, yeah, 227. All that was correct.\n\nSo I'm definitely comfortable that it is you, Rachel. Could I just quickly take down that address again, please? I just wanna actually write it down so I can update details. Yes, please. Nine zero 6 480 Riversdale Road and suburb.\n\nHawthorne East. 3123. That's easy enough to remember. Now just quickly, I'm just gonna quickly do the old Google Maps just to make sure I've got the correct everything there. Riverdale Road, Hawthorne East 31239064 80.\n\nI do have it here. Alright. So what I might do too, just after the review and everything is done, are you okay for me to see if we need to update your, like, your Superfund address as well? Let's have a squeeze. We have it set to yeah.\n\nWe'll have to update the residential address. Are you okay for that to be your postal address too? Easy done. Perfect. It depends.\n\nSo once everything that we do when it comes to superannuation is linked to, like, your ID, your driver's license. So have you updated surname, and does that reflect across all of your ID now? Some of it. Yeah. It is hard to to tick everything off.\n\nThat's okay. So is that from a marriage? Is that right? Or okay. So instead of Lambert, what would be the new surname?\n\nY a r k, and that's married name. So if it's okay with you, I might send everything out into the one pack, and we can update your address and name as long as you're okay for us to certify, like, your marriage certificate and updated driver's license. Perfect. So I'll put that in for the team to organize with you. And driver's license.\n\nIt's just our usual checks we do, like the the photo with the ID. I'll certify it as the adviser, and we can update everything in one one sweep. Right. Perfect. Are you okay for the documents for today's review to come out matching the details on your hub 24 until we get that updated?\n\nK. I'm gonna pop this through to your Gmail address. Will you be able to look onto the documents with me while I go through them with you? That's perfectly fine. So I'm just sending out the annual review pack from our new system, which is Odoo.\n\nIt'll give you a a set of attachments similar to a normal email, but there's also a digital authorization link as well. Happens to the best of us, Rachel. Stay with me. That's okay? Perfect.\n\nCool. So before I dive into these attachments with you, is there anything in particular you would like to get out of this year's review besides updating your details? Yep. Just a bit of a general update, that kind of thing. Okay.\n\nI'm just gonna briefly start with your goals here because I just wanna see how you were going with everything, and I'll update those too. You had some pretty big goals last time you spoke to Veronica about you just got married at the time, so now the details are updated. You guys were going to Europe, to Barcelona, and Paris. Did you end up going? Beautiful.\n\nGreat to hear. And you did have a goal there trying to save up to purchase a property as well. Cool. That's still your main focus for the next, say, three years or so? K.\n\nAnd have you guys actually discussed any kind of figures about what type of property you're trying to purchase, or is it still a little bit far away for that? No worries at all. Would you have built up any kind of savings and deposit towards that that goal so far or still just trying to settle into the new groove? Perfect. Can I note down just maybe, like, a tentative figure in terms of cash savings for your file?\n\n$5.10, $15.50? Oh, fantastic. Well done, you guys. Alright. Now I do only just have a couple last details to update, and I just wanna make sure our new system reflects correctly because we've converted all the data across.\n\nSo last couple of questions, then we'll dive right into the super if that's okay. We had you working as a service person driver for Kennett's, which I can still see their contributions coming through. It looks like maybe your income's bumped up slightly. Would you still be on around 72,000, or do you know a bit of an updated annual salary? K.\n\nDo you want me to put, like, 75 down for the time being just as a bit of a yep. Perfect. Are you still able to put aside approximately 300 a week into savings towards that deposit? I think that's what we had last time. Yeah.\n\nIt goes up and down with whatever's blowing up on the news, doesn't it? Perfect. Cool. And last couple of questions. Have you guys ever gone through, like, a bankruptcy or a part nine debt agreement before?\n\nThat's more like an insolvency question. And did you end up putting in place, like, a will and a power of attorney for your estate planning? Easy done. If it is helpful, I know it can be a bit daunting to try and find, like, a solicitor to put in place a will, but there's also public trustees of every state. So in Victoria, the the kind of courthouse does appointments for wills and power of attorneys, and the post office has government approved will kits, like, $25 if that helps as well.\n\nCool. Alright. Is there anything in particular that you guys have for goals in the next three, five years that I haven't already captured in terms of the family plan? Fantastic. And I think we had you listed down as a nonsmoker.\n\nIs that correct? Perfect. So that's all lining up perfectly. Now if you look at that email that I've sent you, you should see some attachments, like little PDF attachments there. And you have, like, a hub 24 should say hub twenty four IRR, so internal rate of return.\n\nThat's the main one I wanted to have a quick look at you with if that's okay. Cool. Rachel, do you log in to your hub twenty four every now and then, or is it more just when you when the reviews come along? Perfect. So when I look at your account and I do a full review, I know that you were previously with Netwealth with us, and we moved you across just over a year ago into Hub twenty four.\n\nDoes that ring a bell? Cool. So I'm looking at the original advice. Some pretty good news is that we had a bit of a five year projection when you came on board to reach 92,000 after five years. And at just over five years, you're sitting at a hundred and two thousand six thirty five currently.\n\nSo pretty much just exceeded expectations for five years. Okay? Now you did go into a pretty high growth portfolio within Hub. So most of your super is in growth assets, shares, property, gold, that kind of high risk, high return if that rings a bell. Yep.\n\nNow world kind of blown up, which has been for an interesting twelve months for you being in Hub twenty four. Good news is you're still positive for the year, about four and a half percent, but that previous portfolio that you were in in Netwealth, if you stayed there, you would have been in the negative. So it was definitely a good move. But we're still not out of the woods just yet. Like, I think that this situation is probably gonna last throughout the year, pretty much.\n\nSo our general plan there is because you do have so many years until retirement that we kind of use these dips as a bit of a buying opportunity. Your contributions come in from work. If the market dips a little bit, we can buy some shares and property for a cheaper price. And when the market goes up, you get those bigger returns on the way up. K?\n\nSo generally speaking, high growth, you wanna average at about 10% plus per year. Some years, you'll go up ten, twenty, 30. Once every seven years, there's gonna be a crash, and it's gonna drop 20 or 30%. But it should average out in double digits. Does that make sense?\n\nK. So do you have a preference between, I guess, retiring early towards the age of 60 when you can access your super, or are you okay to kind of work through a little bit more slow and steady into those later years? Yep. So would you still then be focused on trying to get, I guess, as much growth out of the supers as you can at this point? Like, what would you say your main priority is at the moment?\n\nNo. That's totally fine. That's part of part of what I'm here to do as well. Because once you hit that 60, you can start accessing your super. That's your preservation age.\n\nAnd I mentioned before that every seven years or so, we have a stock market crash. There's a financial crisis, COVID, that type of thing. That pretty much means that if you go middle of the road towards the mid sixties, you've got about fourteen years to build up the super. So if you split that into seven year cycles, it means you have one market cycle to get as much growth as you can and then one cycle where we have to start protecting your super, gradually reducing the risk as you get closer. Because you probably don't wanna be high risk at 63, and you lose half of it in the stock market crash a year before you retire.\n\nDo you know what I mean? So as long as you're comfortable with the fact that it will go up and down like a bit of a roller coaster, I'm okay for you to keep focusing on the growth because, you know, your contributions are going in, get as much returns as you can. And then once we get closer to retirement, we can start reducing the risk level gradually. What that kind of looks like is if you're at 90% shares and property now, that last seven years, you're probably gonna go eighty, seventy, sixty, fifty, forty percent, and then that's your pension account in your mid sixties. Does that make sense?\n\nK. Now one thing that I wanted to sort of point out in that chart, the the Hub 24 charts are a bit big. Lots of figures all over them. Can you see the second page there, how it's just got one line in the table, whereas the first page has a whole bunch of lines. So on that second page, on the very right hand side, that's your net return of that 4.4% after fees.\n\nK? If you go back up to that first page where you've got all of those different codes, that's all of your investment options that we have you in. K? Now if you go on the right hand side, can you see how half of them have brackets around them and half of them don't in those percentages? K?\n\nSo anything with the percentage is a positive return for the option. Anything with the brackets is a negative return for the option. So you can kind of see they're offsetting each other. You've got your gold in the middle going up 23, but then your Indian shares going down 16%. And it's this this volatility that's going on where some sectors and countries are going up and some are going down.\n\nDoes that make sense? K. So long term, that should all be okay. It might be worth doing a little bit of an update to some of these options just to make sure it's a a bit of an oil change and going correctly, if that's okay. K?\n\nSo if you'll still because, again, a 102,000, that's not gonna get you a crazy retirement for twenty, thirty years and and all the riches in the world. So, yes, try and grow it as much as we can. Along the way there, I just need to tune up a few of those options every now and then. K? Now this there's no wrong answer here.\n\nThis is really gut feeling. I've got one question for you. If you had to choose between low fee investments or paying a higher fee to try and get a higher return, do you have a strong leaning between one or the other? And that's actually a fine answer too. Sometimes when I ask that question, clients have a pretty big, like, oh my god.\n\nNo. No. It has to be this one. It has to be that one. And if that's the case, then I can kind of change the style of your options, if that makes sense.\n\nNow if you don't have a strong leaning one way or the other, you're actually in a blend of both currently. So if you're okay with that and we can still keep you on track, I will keep it in the same style. Cool. Perfect. So I'll do a little bit of an update there, keep it within the high growth.\n\nNow because you are focusing so much on that property purchase, I do have to ask the question if you wanna look at doing some salary sacrifice into your super, boost it up that way as well with the tax difference on the contributions, put a little extra in, or would you prefer to just let the the investments do the heavy lifting while you're saving up for that house? Yep. One of the things that would be really good for you, I think, is that if you're still trying to purchase that home, you can pretty much let that high growth do most of the heavy lifting for that first seven years. Once you hit 60 plus, we can do a couple of other little strategies. So when you hit 60, if you're not gonna retire for another four or five years, we can actually pull up to 10% of your super out, put it back in for a tax deduction, and the difference in the taxes can boost up your super without costing you anything in the pocket.\n\nSo what I'm gathering here is just kind of like preferences. So I can say, okay. I'll focus on the high growth returns for now. We won't do any salary sacrifice because you've got other priorities. And then once we get to the later years, we can engage in a few extra strategies on top.\n\nOkay? Perfect. I will craft all this together for you for a bit of an update. Just in terms of estate planning, we did have three people listed as your beneficiaries, which is Joseph, Joshua, and Tazia. Split between 50%, 25, and 25.\n\nIs that still okay? Perfecto. And I think the last thing I was looking at was I don't believe you have any, like, insurances in place. There's no life insurance or anything that I can see at the moment. Does that make sense?\n\nYep. Were you wanting me to get any quotes for any type of insurances or protection this year? Perfect. So just keep trucking along. We'll keep growing the super, let you guys focus on what you do best, and then we can revisit a few things in a few years.\n\nCool. Anything else you might want to talk about this review? Any other advice on your mind at the moment? So that pack that comes through, it does include an updated service agreement for another twelve months, but I do have to ask if you're still comfortable for us to look after your super. Perfect.\n\nBefore you sign it, it does have the usual 1.65%. That's the fee that gets split out onto little monthly payments throughout the super. And then because it's an expense in super, you get, like, a 15% rebate paid through the super as well. Sort of reduces the cost down a little bit. K?\n\nNow alongside that agreement there and the performance, we've included, like, an updated financial services guide. It's our updated licensing information. So who we are, what we can advise on, complaints, procedure, consumer protections, privacy policy, if anything pops up, that's kind of your holy bible for that information. K? Now, Rachel, that pretty much brings me towards the end of the review.\n\nDo you have any questions for me at this point? Perfect. So what I'm gonna do is I'm gonna leave that one with you. There is one other document alongside that agreement. And just letting you know what it is, there's a tax file number opt in form.\n\nSo because of all of the cybersecurity issues that happened last year, we just wanna make sure we can get our client's consent for holding that number just to make sure it's on that one form. K. Any questions on that? Cool. So if it's okay with you, I will go and do a little bit of research with the team to do that engine tune up on the super, and they'll probably get you booked in in a few weeks' time just so I can kind of show you what we're looking to change, make sure you're comfortable before we touch anything.\n\nCool. I do really appreciate you taking the time to talk to me today. Any last questions before I let you go? Yeah. So that's if you can give that one a sign now, that's for remaining advisers on your account and that tax file number doc.\n\nIt should let you either draw your signature on there or it'll try and stamp your name on there. Could you just let me know if it allows you to draw your signature? Okay. Let's just understand one instead. It doesn't let you kind of put your finger on on that stamp and open up, like, a little drawing box.\n\nThere we go. So if you can draw that one to match your I don't know if you remember your original signature before you updated your name. So if you could just try and draw it so it matches your Lambert signature, I will get the team to draft up all the documents for your address and name change to match up with hub twenty four. Is that okay? Perfect.\n\nSometimes I know it can be fun when you get a form that says, hey. Draw your old signature in your new one. And a few years down the line, some people actually forget their old one. Perfect. Alright, Rachel.\n\nSo in between now and that booking, I'll get the team to kind of post out a bit of a pack, send you some information so we can get all your details updated with Hub twenty four. Awesome. Thank you so much for your time today, and we will probably be speaking to you in about a fortnight. Thanks, Rachel. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Rachel.","start":2.48,"end":3.52,"sentiment":"neutral","sentiment_score":0.286729762951533},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.2493013377700533},{"text":"How are you going?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.25988148152828217},{"text":"I'm doing absolutely fantastic.","start":7.9199996,"end":9.62,"sentiment":"positive","sentiment_score":0.764044389128685},{"text":"I'm just calling you to go through your annual review.","start":9.84,"end":12.34,"sentiment":"positive","sentiment_score":0.36247367560863497}],"sentiment":"positive","sentiment_score":0.36877638899854254,"num_words":28,"start":2.48,"end":12.34},{"sentences":[{"text":"Perfect.","start":14.595,"end":14.995001,"sentiment":"positive","sentiment_score":0.4705527126789093},{"text":"Now before I shoot off your annual review pack to your email, are you okay for this call to be recorded?","start":14.995001,"end":20.615,"sentiment":"neutral","sentiment_score":0.08944898896983691},{"text":"Perfect.","start":22.675,"end":23.154999,"sentiment":"neutral","sentiment_score":0.2252686321735382},{"text":"And just for the usual security process, so I am registered with ASIC as adviser 1273105.","start":23.154999,"end":30.199999,"sentiment":"neutral","sentiment_score":0.10238348413258791},{"text":"Are you okay to confirm your date of birth and address, please?","start":30.199999,"end":33.34,"sentiment":"neutral","sentiment_score":0.05136868450790644}],"sentiment":"neutral","sentiment_score":0.09468255045951582,"num_words":51,"start":14.595,"end":33.34},{"sentences":[{"text":"I'll probably have to update that one.","start":45.734997,"end":47.734997,"sentiment":"neutral","sentiment_score":0.006807932364089149},{"text":"Do you remember what your previous one would have been?","start":47.734997,"end":50.074997,"sentiment":"neutral","sentiment_score":-0.01553116124123335},{"text":"I'm the same way with the moving thirteen times.","start":60.95,"end":63.45,"sentiment":"neutral","sentiment_score":-0.033489898261096746},{"text":"So you were saying two two seven Toorak Road, did you say?","start":74.545,"end":77.91,"sentiment":"neutral","sentiment_score":-0.026197950666149456},{"text":"And do you remember the suburb and postcode?","start":78.71001,"end":80.73,"sentiment":"neutral","sentiment_score":-0.002658111392520368}],"sentiment":"neutral","sentiment_score":-0.0161892493336421,"num_words":46,"start":45.734997,"end":80.73},{"sentences":[{"text":"I'll put you on the spot today.","start":89.270004,"end":90.55,"sentiment":"neutral","sentiment_score":-0.06401696801185608},{"text":"I apologize.","start":90.55,"end":91.130005,"sentiment":"neutral","sentiment_score":-0.0789375752210617},{"text":"And one last thing I'll check, which will be easier, would be your email address.","start":95.215004,"end":99.075005,"sentiment":"neutral","sentiment_score":-0.017856325022876263},{"text":"Perfect.","start":102.975006,"end":103.455,"sentiment":"neutral","sentiment_score":0.1331184208393097},{"text":"I think that that adds up to three full points of ID.","start":103.455,"end":106.595,"sentiment":"neutral","sentiment_score":0.05740587366744876}],"sentiment":"neutral","sentiment_score":-0.0014013485680963542,"num_words":37,"start":89.270004,"end":106.595},{"sentences":[{"text":"90 percent of an address and an email address definitely counts.","start":107.409996,"end":110.31,"sentiment":"neutral","sentiment_score":0.045861250974915245},{"text":"It was 208.","start":110.689995,"end":112.39,"sentiment":"neutral","sentiment_score":0.01230667531490326},{"text":"There you go.","start":114.28999,"end":114.77,"sentiment":"neutral","sentiment_score":0.011848650717486938},{"text":"And it was, yeah, 227.","start":114.77,"end":116.049995,"sentiment":"neutral","sentiment_score":0.038651162013411525},{"text":"All that was correct.","start":116.049995,"end":116.85,"sentiment":"neutral","sentiment_score":0.1571260616183281}],"sentiment":"neutral","sentiment_score":0.05379614597544647,"num_words":26,"start":107.409996,"end":116.85},{"sentences":[{"text":"So I'm definitely comfortable that it is you, Rachel.","start":116.85,"end":119.27,"sentiment":"positive","sentiment_score":0.3629162758588791},{"text":"Could I just quickly take down that address again, please?","start":120.245,"end":122.725,"sentiment":"neutral","sentiment_score":0.19633040800690651},{"text":"I just wanna actually write it down so I can update details.","start":122.725,"end":125.305,"sentiment":"neutral","sentiment_score":0.1291089759518703},{"text":"Yes, please.","start":127.205,"end":127.945,"sentiment":"neutral","sentiment_score":0.09576893597841263},{"text":"Nine zero 6 480 Riversdale Road and suburb.","start":130.005,"end":138.2,"sentiment":"neutral","sentiment_score":0.025689174770377576}],"sentiment":"neutral","sentiment_score":0.17502218400832356,"num_words":41,"start":116.85,"end":138.2},{"sentences":[{"text":"Hawthorne East.","start":140.98,"end":142.35999,"sentiment":"neutral","sentiment_score":0.019864900968968868},{"text":"3123.","start":145.15501,"end":147.15501,"sentiment":"neutral","sentiment_score":0.05491931363940239},{"text":"That's easy enough to remember.","start":147.15501,"end":148.695,"sentiment":"neutral","sentiment_score":0.3297421097755432},{"text":"Now just quickly, I'm just gonna quickly do the old Google Maps just to make sure I've got the correct everything there.","start":150.195,"end":156.21,"sentiment":"neutral","sentiment_score":0.0933772020719268},{"text":"Riverdale Road, Hawthorne East 31239064 80.","start":156.77,"end":162.71,"sentiment":"neutral","sentiment_score":0.03652357061704}],"sentiment":"neutral","sentiment_score":0.11157776482610239,"num_words":36,"start":140.98,"end":162.71},{"sentences":[{"text":"I do have it here.","start":162.85,"end":164.15001,"sentiment":"neutral","sentiment_score":0.18834013044834136},{"text":"Alright.","start":166.85,"end":167.25,"sentiment":"neutral","sentiment_score":0.27991029620170593},{"text":"So what I might do too, just after the review and everything is done, are you okay for me to see if we need to update your, like, your Superfund address as well?","start":167.25,"end":175.445,"sentiment":"neutral","sentiment_score":0.09320872886614366},{"text":"Let's have a squeeze.","start":177.905,"end":179.205,"sentiment":"neutral","sentiment_score":0.058266435749828815},{"text":"We have it set to yeah.","start":179.425,"end":181.68001,"sentiment":"neutral","sentiment_score":0.06591542561848958}],"sentiment":"neutral","sentiment_score":0.10053178158645727,"num_words":49,"start":162.85,"end":181.68001},{"sentences":[{"text":"We'll have to update the residential address.","start":181.68001,"end":183.44,"sentiment":"neutral","sentiment_score":0.05369320671473231},{"text":"Are you okay for that to be your postal address too?","start":183.44,"end":185.86,"sentiment":"neutral","sentiment_score":0.046192143789746544},{"text":"Easy done.","start":188.0,"end":188.90001,"sentiment":"neutral","sentiment_score":0.2777147591114044},{"text":"Perfect.","start":192.735,"end":193.235,"sentiment":"neutral","sentiment_score":0.10968835651874542},{"text":"It depends.","start":196.895,"end":197.55501,"sentiment":"neutral","sentiment_score":-0.005456306040287018}],"sentiment":"neutral","sentiment_score":0.06687701266744862,"num_words":23,"start":181.68001,"end":197.55501},{"sentences":[{"text":"So once everything that we do when it comes to superannuation is linked to, like, your ID, your driver's license.","start":197.695,"end":203.935,"sentiment":"neutral","sentiment_score":0.024682418815791606},{"text":"So have you updated surname, and does that reflect across all of your ID now?","start":203.935,"end":209.99,"sentiment":"neutral","sentiment_score":0.025531883848210177},{"text":"Some of it.","start":211.29001,"end":212.01001,"sentiment":"neutral","sentiment_score":-0.05810665339231491},{"text":"Yeah.","start":212.01001,"end":212.33,"sentiment":"neutral","sentiment_score":-0.09666641056537628},{"text":"It is hard to to tick everything off.","start":212.33,"end":214.35,"sentiment":"neutral","sentiment_score":-0.20259036496281624}],"sentiment":"neutral","sentiment_score":-0.021597503327784387,"num_words":47,"start":197.695,"end":214.35},{"sentences":[{"text":"That's okay.","start":220.505,"end":221.145,"sentiment":"neutral","sentiment_score":0.0749005600810051},{"text":"So is that from a marriage?","start":221.145,"end":222.82501,"sentiment":"neutral","sentiment_score":-0.004649737073729436},{"text":"Is that right?","start":222.82501,"end":223.46501,"sentiment":"neutral","sentiment_score":0.01293883752077818},{"text":"Or okay.","start":223.46501,"end":225.705,"sentiment":"neutral","sentiment_score":0.03808430954813957},{"text":"So instead of Lambert, what would be the new surname?","start":225.705,"end":228.445,"sentiment":"neutral","sentiment_score":0.013729924336075783}],"sentiment":"neutral","sentiment_score":0.016269003162565437,"num_words":23,"start":220.505,"end":228.445},{"sentences":[{"text":"Y a r k, and that's married name.","start":232.12001,"end":234.36,"sentiment":"neutral","sentiment_score":0.021532653365284204},{"text":"So if it's okay with you, I might send everything out into the one pack, and we can update your address and name as long as you're okay for us to certify, like, your marriage certificate and updated driver's license.","start":234.36,"end":245.42,"sentiment":"neutral","sentiment_score":0.11690311161801219},{"text":"Perfect.","start":247.30501,"end":247.625,"sentiment":"positive","sentiment_score":0.517638087272644},{"text":"So I'll put that in for the team to organize with you.","start":247.625,"end":250.765,"sentiment":"neutral","sentiment_score":0.2937986912826697},{"text":"And driver's license.","start":250.905,"end":252.10501,"sentiment":"neutral","sentiment_score":0.1526812563339869}],"sentiment":"neutral","sentiment_score":0.1460883100517094,"num_words":64,"start":232.12001,"end":252.10501},{"sentences":[{"text":"It's just our usual checks we do, like the the photo with the ID.","start":252.10501,"end":255.405,"sentiment":"neutral","sentiment_score":0.17961457797459193},{"text":"I'll certify it as the adviser, and we can update everything in one one sweep.","start":255.545,"end":259.805,"sentiment":"neutral","sentiment_score":0.19061048626899718},{"text":"Right.","start":262.77002,"end":263.27002,"sentiment":"positive","sentiment_score":0.5986520051956177},{"text":"Perfect.","start":263.97,"end":264.47,"sentiment":"positive","sentiment_score":0.6268143653869629},{"text":"Are you okay for the documents for today's review to come out matching the details on your hub 24 until we get that updated?","start":265.41,"end":271.83002,"sentiment":"neutral","sentiment_score":0.180351037842532}],"sentiment":"neutral","sentiment_score":0.19868459389968351,"num_words":55,"start":252.10501,"end":271.83002},{"sentences":[{"text":"K.","start":274.305,"end":274.705,"sentiment":"neutral","sentiment_score":0.03650130704045296},{"text":"I'm gonna pop this through to your Gmail address.","start":274.705,"end":277.845,"sentiment":"neutral","sentiment_score":0.07123943666617076},{"text":"Will you be able to look onto the documents with me while I go through them with you?","start":278.305,"end":281.605,"sentiment":"neutral","sentiment_score":0.0824528257879946},{"text":"That's perfectly fine.","start":284.32,"end":285.7,"sentiment":"neutral","sentiment_score":0.2914271652698517},{"text":"So I'm just sending out the annual review pack from our new system, which is Odoo.","start":286.0,"end":290.74002,"sentiment":"neutral","sentiment_score":0.18714062869548798}],"sentiment":"neutral","sentiment_score":0.1283050777905799,"num_words":47,"start":274.305,"end":290.74002},{"sentences":[{"text":"It'll give you a a set of attachments similar to a normal email, but there's also a digital authorization link as well.","start":290.88,"end":297.825,"sentiment":"neutral","sentiment_score":0.10684872113845566},{"text":"Happens to the best of us, Rachel.","start":305.58502,"end":307.265,"sentiment":"neutral","sentiment_score":-0.13161630875297956},{"text":"Stay with me.","start":307.265,"end":308.165,"sentiment":"neutral","sentiment_score":-0.1009199246764183},{"text":"That's okay?","start":311.68,"end":312.5,"sentiment":"neutral","sentiment_score":-0.015445247292518616},{"text":"Perfect.","start":320.47998,"end":320.97998,"sentiment":"neutral","sentiment_score":-0.07402144372463226}],"sentiment":"neutral","sentiment_score":0.0291910283267498,"num_words":35,"start":290.88,"end":320.97998},{"sentences":[{"text":"Cool.","start":323.61502,"end":323.935,"sentiment":"neutral","sentiment_score":-0.006963862106204033},{"text":"So before I dive into these attachments with you, is there anything in particular you would like to get out of this year's review besides updating your details?","start":323.935,"end":331.39502,"sentiment":"neutral","sentiment_score":0.033530405456466336},{"text":"Yep.","start":340.99,"end":341.31,"sentiment":"neutral","sentiment_score":0.07535313069820404},{"text":"Just a bit of a general update, that kind of thing.","start":341.31,"end":343.57,"sentiment":"neutral","sentiment_score":0.060115097937258805},{"text":"Okay.","start":344.83,"end":345.15,"sentiment":"neutral","sentiment_score":0.07867065072059631}],"sentiment":"neutral","sentiment_score":0.04159946070008334,"num_words":42,"start":323.61502,"end":345.15},{"sentences":[{"text":"I'm just gonna briefly start with your goals here because I just wanna see how you were going with everything, and I'll update those too.","start":345.15,"end":351.315,"sentiment":"neutral","sentiment_score":0.14310137778520585},{"text":"You had some pretty big goals last time you spoke to Veronica about you just got married at the time, so now the details are updated.","start":351.575,"end":359.27502,"sentiment":"neutral","sentiment_score":0.06369325296523479},{"text":"You guys were going to Europe, to Barcelona, and Paris.","start":359.415,"end":363.17502,"sentiment":"neutral","sentiment_score":0.04049240201711655},{"text":"Did you end up going?","start":363.17502,"end":364.23,"sentiment":"neutral","sentiment_score":0.04571055509150028},{"text":"Beautiful.","start":368.23,"end":368.71002,"sentiment":"positive","sentiment_score":0.8187046647071838}],"sentiment":"neutral","sentiment_score":0.09978717137406122,"num_words":67,"start":345.15,"end":368.71002},{"sentences":[{"text":"Great to hear.","start":368.71002,"end":369.43002,"sentiment":"positive","sentiment_score":0.8126010298728943},{"text":"And you did have a goal there trying to save up to purchase a property as well.","start":369.43002,"end":373.29,"sentiment":"neutral","sentiment_score":0.27624113419476676},{"text":"Cool.","start":375.27002,"end":375.59,"sentiment":"neutral","sentiment_score":0.1389528661966324},{"text":"That's still your main focus for the next, say, three years or so?","start":375.59,"end":378.375,"sentiment":"neutral","sentiment_score":0.05943329059160673},{"text":"K.","start":380.455,"end":380.935,"sentiment":"neutral","sentiment_score":-0.011948704719543455}],"sentiment":"neutral","sentiment_score":0.22952969457421984,"num_words":35,"start":368.71002,"end":380.935},{"sentences":[{"text":"And have you guys actually discussed any kind of figures about what type of property you're trying to purchase, or is it still a little bit far away for that?","start":380.935,"end":388.395,"sentiment":"neutral","sentiment_score":-0.08442702647298575},{"text":"No worries at all.","start":395.99002,"end":397.21002,"sentiment":"neutral","sentiment_score":-0.0783365685492754},{"text":"Would you have built up any kind of savings and deposit towards that that goal so far or still just trying to settle into the new groove?","start":398.07,"end":404.89,"sentiment":"neutral","sentiment_score":-0.0318422670027724},{"text":"Perfect.","start":413.845,"end":414.24503,"sentiment":"neutral","sentiment_score":0.3332414925098419},{"text":"Can I note down just maybe, like, a tentative figure in terms of cash savings for your file?","start":414.24503,"end":419.045,"sentiment":"neutral","sentiment_score":0.09824228700664309}],"sentiment":"neutral","sentiment_score":-0.020053695235401393,"num_words":80,"start":380.935,"end":419.045},{"sentences":[{"text":"$5.10, $15.50?","start":419.045,"end":420.825,"sentiment":"neutral","sentiment_score":0.015545543283224106},{"text":"Oh, fantastic.","start":423.55,"end":424.69,"sentiment":"positive","sentiment_score":0.46067699790000916},{"text":"Well done, you guys.","start":425.38998,"end":426.53,"sentiment":"positive","sentiment_score":0.45432622730731964},{"text":"Alright.","start":428.43,"end":428.93,"sentiment":"neutral","sentiment_score":0.008039738051593304},{"text":"Now I do only just have a couple last details to update, and I just wanna make sure our new system reflects correctly because we've converted all the data across.","start":429.22998,"end":436.53,"sentiment":"neutral","sentiment_score":0.08373331961532433}],"sentiment":"neutral","sentiment_score":0.1356356235412069,"num_words":39,"start":419.045,"end":436.53},{"sentences":[{"text":"So last couple of questions, then we'll dive right into the super if that's okay.","start":436.95502,"end":440.575,"sentiment":"neutral","sentiment_score":0.05897641455133756},{"text":"We had you working as a service person driver for Kennett's, which I can still see their contributions coming through.","start":441.915,"end":449.05502,"sentiment":"neutral","sentiment_score":0.06217145370319486},{"text":"It looks like maybe your income's bumped up slightly.","start":450.05,"end":452.79,"sentiment":"neutral","sentiment_score":0.06474895940886603},{"text":"Would you still be on around 72,000, or do you know a bit of an updated annual salary?","start":453.09,"end":458.31,"sentiment":"neutral","sentiment_score":0.024946772596902318},{"text":"K.","start":465.66498,"end":465.82498,"sentiment":"neutral","sentiment_score":0.016442973166704178}],"sentiment":"neutral","sentiment_score":0.0504174731257889,"num_words":63,"start":436.95502,"end":465.82498},{"sentences":[{"text":"Do you want me to put, like, 75 down for the time being just as a bit of a yep.","start":465.82498,"end":469.685,"sentiment":"neutral","sentiment_score":0.060306598991155626},{"text":"Perfect.","start":470.145,"end":470.645,"sentiment":"positive","sentiment_score":0.5438529253005981},{"text":"Are you still able to put aside approximately 300 a week into savings towards that deposit?","start":471.425,"end":476.22498,"sentiment":"neutral","sentiment_score":0.19400784093886614},{"text":"I think that's what we had last time.","start":476.22498,"end":477.925,"sentiment":"neutral","sentiment_score":0.0651474236510694},{"text":"Yeah.","start":481.77,"end":482.00998,"sentiment":"neutral","sentiment_score":-0.01540657039731741}],"sentiment":"neutral","sentiment_score":0.11651919954253928,"num_words":46,"start":465.82498,"end":482.00998},{"sentences":[{"text":"It goes up and down with whatever's blowing up on the news, doesn't it?","start":482.00998,"end":485.31,"sentiment":"neutral","sentiment_score":-0.036317757330834866},{"text":"Perfect.","start":486.97,"end":487.28998,"sentiment":"positive","sentiment_score":0.43567848205566406},{"text":"Cool.","start":487.28998,"end":487.78998,"sentiment":"neutral","sentiment_score":0.22914458811283112},{"text":"And last couple of questions.","start":487.93,"end":489.05,"sentiment":"neutral","sentiment_score":0.05600195601582527},{"text":"Have you guys ever gone through, like, a bankruptcy or a part nine debt agreement before?","start":489.05,"end":493.78998,"sentiment":"neutral","sentiment_score":-0.0041784128989093006}],"sentiment":"neutral","sentiment_score":0.009987287600902287,"num_words":37,"start":482.00998,"end":493.78998},{"sentences":[{"text":"That's more like an insolvency question.","start":495.425,"end":497.525,"sentiment":"neutral","sentiment_score":-0.12394865850607555},{"text":"And did you end up putting in place, like, a will and a power of attorney for your estate planning?","start":497.745,"end":502.725,"sentiment":"neutral","sentiment_score":-0.03264043228700757},{"text":"Easy done.","start":506.96002,"end":507.86002,"sentiment":"neutral","sentiment_score":-0.13062439113855362},{"text":"If it is helpful, I know it can be a bit daunting to try and find, like, a solicitor to put in place a will, but there's also public trustees of every state.","start":507.92,"end":517.84,"sentiment":"neutral","sentiment_score":-0.07329462976618246},{"text":"So in Victoria, the the kind of courthouse does appointments for wills and power of attorneys, and the post office has government approved will kits, like, $25 if that helps as well.","start":517.84,"end":529.055,"sentiment":"neutral","sentiment_score":0.08487071341369301}],"sentiment":"neutral","sentiment_score":-0.014630207872038246,"num_words":93,"start":495.425,"end":529.055},{"sentences":[{"text":"Cool.","start":530.315,"end":530.815,"sentiment":"positive","sentiment_score":0.6688168048858643},{"text":"Alright.","start":532.33,"end":532.73004,"sentiment":"neutral","sentiment_score":0.16034099459648132},{"text":"Is there anything in particular that you guys have for goals in the next three, five years that I haven't already captured in terms of the family plan?","start":532.73004,"end":540.03,"sentiment":"neutral","sentiment_score":0.031080104094663902},{"text":"Fantastic.","start":543.785,"end":544.285,"sentiment":"neutral","sentiment_score":0.16408824920654297},{"text":"And I think we had you listed down as a nonsmoker.","start":544.505,"end":547.005,"sentiment":"neutral","sentiment_score":-0.004440973936156793}],"sentiment":"neutral","sentiment_score":0.04320567262004174,"num_words":42,"start":530.315,"end":547.005},{"sentences":[{"text":"Is that correct?","start":547.14496,"end":547.88495,"sentiment":"neutral","sentiment_score":0.010340764497717222},{"text":"Perfect.","start":549.14496,"end":549.46497,"sentiment":"positive","sentiment_score":0.48325538635253906},{"text":"So that's all lining up perfectly.","start":549.46497,"end":551.165,"sentiment":"positive","sentiment_score":0.47289468844731647},{"text":"Now if you look at that email that I've sent you, you should see some attachments, like little PDF attachments there.","start":551.38495,"end":557.725,"sentiment":"neutral","sentiment_score":0.09395389116945721},{"text":"And you have, like, a hub 24 should say hub twenty four IRR, so internal rate of return.","start":559.13,"end":566.19,"sentiment":"neutral","sentiment_score":0.0420112827171882}],"sentiment":"neutral","sentiment_score":0.12409960436729753,"num_words":49,"start":547.14496,"end":566.19},{"sentences":[{"text":"That's the main one I wanted to have a quick look at you with if that's okay.","start":566.57,"end":569.79004,"sentiment":"neutral","sentiment_score":0.03325771310311906},{"text":"Cool.","start":572.665,"end":573.165,"sentiment":"positive","sentiment_score":0.43228408694267273},{"text":"Rachel, do you log in to your hub twenty four every now and then, or is it more just when you when the reviews come along?","start":573.305,"end":578.365,"sentiment":"neutral","sentiment_score":0.038953181069630846},{"text":"Perfect.","start":589.8,"end":590.27997,"sentiment":"neutral","sentiment_score":0.2141161561012268},{"text":"So when I look at your account and I do a full review, I know that you were previously with Netwealth with us, and we moved you across just over a year ago into Hub twenty four.","start":590.27997,"end":599.915,"sentiment":"neutral","sentiment_score":0.0742059959652456}],"sentiment":"neutral","sentiment_score":0.060612023467334304,"num_words":82,"start":566.57,"end":599.915},{"sentences":[{"text":"Does that ring a bell?","start":599.915,"end":601.055,"sentiment":"neutral","sentiment_score":0.04081694446504116},{"text":"Cool.","start":602.71497,"end":603.035,"sentiment":"neutral","sentiment_score":0.21486762166023257},{"text":"So I'm looking at the original advice.","start":603.035,"end":605.295,"sentiment":"neutral","sentiment_score":0.126545355788299},{"text":"Some pretty good news is that we had a bit of a five year projection when you came on board to reach 92,000 after five years.","start":606.475,"end":614.13995,"sentiment":"neutral","sentiment_score":0.1723471905749578},{"text":"And at just over five years, you're sitting at a hundred and two thousand six thirty five currently.","start":614.36,"end":619.5,"sentiment":"neutral","sentiment_score":0.26255176381932366}],"sentiment":"neutral","sentiment_score":0.1844162901438642,"num_words":57,"start":599.915,"end":619.5},{"sentences":[{"text":"So pretty much just exceeded expectations for five years.","start":619.87994,"end":623.98,"sentiment":"positive","sentiment_score":0.48628368973731995},{"text":"Okay?","start":625.685,"end":626.185,"sentiment":"neutral","sentiment_score":0.20873430371284485},{"text":"Now you did go into a pretty high growth portfolio within Hub.","start":626.245,"end":630.82495,"sentiment":"neutral","sentiment_score":0.25344640978922445},{"text":"So most of your super is in growth assets, shares, property, gold, that kind of high risk, high return if that rings a bell.","start":630.96497,"end":639.45,"sentiment":"neutral","sentiment_score":0.1595349224905173},{"text":"Yep.","start":640.41003,"end":640.91003,"sentiment":"neutral","sentiment_score":0.07681665569543839}],"sentiment":"neutral","sentiment_score":0.24536806860185684,"num_words":47,"start":619.87994,"end":640.91003},{"sentences":[{"text":"Now world kind of blown up, which has been for an interesting twelve months for you being in Hub twenty four.","start":641.29004,"end":646.51,"sentiment":"neutral","sentiment_score":-0.02220290455789793},{"text":"Good news is you're still positive for the year, about four and a half percent, but that previous portfolio that you were in in Netwealth, if you stayed there, you would have been in the negative.","start":646.73004,"end":656.605,"sentiment":"neutral","sentiment_score":0.12722670178239545},{"text":"So it was definitely a good move.","start":656.745,"end":658.44495,"sentiment":"positive","sentiment_score":0.4898596065385001},{"text":"But we're still not out of the woods just yet.","start":661.38495,"end":663.545,"sentiment":"neutral","sentiment_score":-0.14771000631153583},{"text":"Like, I think that this situation is probably gonna last throughout the year, pretty much.","start":663.545,"end":669.30005,"sentiment":"neutral","sentiment_score":-0.06905308812856674}],"sentiment":"neutral","sentiment_score":0.05651709133905641,"num_words":89,"start":641.29004,"end":669.30005},{"sentences":[{"text":"So our general plan there is because you do have so many years until retirement that we kind of use these dips as a bit of a buying opportunity.","start":669.68,"end":678.02,"sentiment":"neutral","sentiment_score":0.1480942175819956},{"text":"Your contributions come in from work.","start":678.32,"end":680.26,"sentiment":"neutral","sentiment_score":0.08803907160957654},{"text":"If the market dips a little bit, we can buy some shares and property for a cheaper price.","start":680.375,"end":684.855,"sentiment":"neutral","sentiment_score":0.1409859023988247},{"text":"And when the market goes up, you get those bigger returns on the way up.","start":684.855,"end":688.635,"sentiment":"neutral","sentiment_score":0.23796665867169697},{"text":"K?","start":690.45496,"end":690.935,"sentiment":"neutral","sentiment_score":0.02464667148888111}],"sentiment":"neutral","sentiment_score":0.15876608020693495,"num_words":69,"start":669.68,"end":690.935},{"sentences":[{"text":"So generally speaking, high growth, you wanna average at about 10% plus per year.","start":690.935,"end":695.61,"sentiment":"neutral","sentiment_score":0.07035611090915543},{"text":"Some years, you'll go up ten, twenty, 30.","start":696.08997,"end":698.35,"sentiment":"neutral","sentiment_score":0.015931447967886925},{"text":"Once every seven years, there's gonna be a crash, and it's gonna drop 20 or 30%.","start":698.81,"end":702.81,"sentiment":"neutral","sentiment_score":-0.10143064009025693},{"text":"But it should average out in double digits.","start":702.81,"end":704.57,"sentiment":"neutral","sentiment_score":0.05778613965958357},{"text":"Does that make sense?","start":704.57,"end":705.63,"sentiment":"neutral","sentiment_score":0.07092232163995504}],"sentiment":"neutral","sentiment_score":0.004710505977272988,"num_words":50,"start":690.935,"end":705.63},{"sentences":[{"text":"K.","start":707.45,"end":707.93,"sentiment":"neutral","sentiment_score":0.018730727955698967},{"text":"So do you have a preference between, I guess, retiring early towards the age of 60 when you can access your super, or are you okay to kind of work through a little bit more slow and steady into those later years?","start":707.93,"end":720.365,"sentiment":"neutral","sentiment_score":-0.005142956351240476},{"text":"Yep.","start":728.84,"end":729.34,"sentiment":"neutral","sentiment_score":0.050507716834545135},{"text":"So would you still then be focused on trying to get, I guess, as much growth out of the supers as you can at this point?","start":731.32,"end":737.725,"sentiment":"neutral","sentiment_score":0.17052929003078204},{"text":"Like, what would you say your main priority is at the moment?","start":737.725,"end":740.225,"sentiment":"neutral","sentiment_score":0.0640016548956434}],"sentiment":"neutral","sentiment_score":0.06164653265349022,"num_words":82,"start":707.45,"end":740.225},{"sentences":[{"text":"No.","start":759.755,"end":760.075,"sentiment":"neutral","sentiment_score":-0.23932591080665588},{"text":"That's totally fine.","start":760.075,"end":761.695,"sentiment":"neutral","sentiment_score":0.05907475699981054},{"text":"That's part of part of what I'm here to do as well.","start":762.315,"end":765.835,"sentiment":"positive","sentiment_score":0.36937099943558377},{"text":"Because once you hit that 60, you can start accessing your super.","start":765.835,"end":770.47504,"sentiment":"neutral","sentiment_score":0.2708232266207536},{"text":"That's your preservation age.","start":770.47504,"end":772.09503,"sentiment":"neutral","sentiment_score":0.17245016619563103}],"sentiment":"neutral","sentiment_score":0.25968842930160463,"num_words":32,"start":759.755,"end":772.09503},{"sentences":[{"text":"And I mentioned before that every seven years or so, we have a stock market crash.","start":772.315,"end":776.99,"sentiment":"neutral","sentiment_score":-0.1344501399435103},{"text":"There's a financial crisis, COVID, that type of thing.","start":776.99,"end":780.77,"sentiment":"neutral","sentiment_score":-0.17200391160117257},{"text":"That pretty much means that if you go middle of the road towards the mid sixties, you've got about fourteen years to build up the super.","start":781.23,"end":789.675,"sentiment":"neutral","sentiment_score":0.03247559858629337},{"text":"So if you split that into seven year cycles, it means you have one market cycle to get as much growth as you can and then one cycle where we have to start protecting your super, gradually reducing the risk as you get closer.","start":791.415,"end":804.61,"sentiment":"neutral","sentiment_score":0.10916921301660212},{"text":"Because you probably don't wanna be high risk at 63, and you lose half of it in the stock market crash a year before you retire.","start":804.61,"end":810.93,"sentiment":"neutral","sentiment_score":-0.20327708726892105}],"sentiment":"neutral","sentiment_score":-0.02757546096301276,"num_words":121,"start":772.315,"end":810.93},{"sentences":[{"text":"Do you know what I mean?","start":810.93,"end":811.99,"sentiment":"neutral","sentiment_score":-0.06090083345770836},{"text":"So as long as you're comfortable with the fact that it will go up and down like a bit of a roller coaster, I'm okay for you to keep focusing on the growth because, you know, your contributions are going in, get as much returns as you can.","start":814.465,"end":826.965,"sentiment":"neutral","sentiment_score":0.31389781879261136},{"text":"And then once we get closer to retirement, we can start reducing the risk level gradually.","start":827.44,"end":832.1,"sentiment":"neutral","sentiment_score":0.2736192559823394},{"text":"What that kind of looks like is if you're at 90% shares and property now, that last seven years, you're probably gonna go eighty, seventy, sixty, fifty, forty percent, and then that's your pension account in your mid sixties.","start":834.48,"end":846.675,"sentiment":"neutral","sentiment_score":0.015716115657526713},{"text":"Does that make sense?","start":848.975,"end":850.115,"sentiment":"neutral","sentiment_score":0.0442687813192606}],"sentiment":"neutral","sentiment_score":0.1758371861321868,"num_words":113,"start":810.93,"end":850.115},{"sentences":[{"text":"K.","start":852.43,"end":852.93,"sentiment":"neutral","sentiment_score":0.034520190209150314},{"text":"Now one thing that I wanted to sort of point out in that chart, the the Hub 24 charts are a bit big.","start":853.07,"end":859.55,"sentiment":"neutral","sentiment_score":-0.021052395600987518},{"text":"Lots of figures all over them.","start":859.55,"end":861.09,"sentiment":"neutral","sentiment_score":-0.09253994872172673},{"text":"Can you see the second page there, how it's just got one line in the table, whereas the first page has a whole bunch of lines.","start":861.15,"end":868.525,"sentiment":"neutral","sentiment_score":0.001981532022070426},{"text":"So on that second page, on the very right hand side, that's your net return of that 4.4% after fees.","start":869.86505,"end":877.325,"sentiment":"neutral","sentiment_score":0.10474460981786252}],"sentiment":"neutral","sentiment_score":0.015019571420883662,"num_words":76,"start":852.43,"end":877.325},{"sentences":[{"text":"K?","start":878.68,"end":879.16,"sentiment":"neutral","sentiment_score":0.06134124472737312},{"text":"If you go back up to that first page where you've got all of those different codes, that's all of your investment options that we have you in.","start":879.16,"end":886.77997,"sentiment":"neutral","sentiment_score":0.07990401570818254},{"text":"K?","start":888.51996,"end":889.0,"sentiment":"neutral","sentiment_score":0.01883748918771744},{"text":"Now if you go on the right hand side, can you see how half of them have brackets around them and half of them don't in those percentages?","start":889.0,"end":895.395,"sentiment":"neutral","sentiment_score":-0.005778221413493156},{"text":"K?","start":897.375,"end":897.855,"sentiment":"neutral","sentiment_score":-0.004326188936829567}],"sentiment":"neutral","sentiment_score":0.036463979410670574,"num_words":59,"start":878.68,"end":897.855},{"sentences":[{"text":"So anything with the percentage is a positive return for the option.","start":897.855,"end":901.555,"sentiment":"neutral","sentiment_score":0.016613489016890526},{"text":"Anything with the brackets is a negative return for the option.","start":901.615,"end":904.435,"sentiment":"neutral","sentiment_score":-0.3107447028160095},{"text":"So you can kind of see they're offsetting each other.","start":904.58,"end":907.64,"sentiment":"neutral","sentiment_score":-0.2757395714521408},{"text":"You've got your gold in the middle going up 23, but then your Indian shares going down 16%.","start":907.7,"end":915.3,"sentiment":"neutral","sentiment_score":-0.20062515677677262},{"text":"And it's this this volatility that's going on where some sectors and countries are going up and some are going down.","start":915.3,"end":920.915,"sentiment":"neutral","sentiment_score":-0.26386071032001857}],"sentiment":"neutral","sentiment_score":-0.21011879605551562,"num_words":72,"start":897.855,"end":920.915},{"sentences":[{"text":"Does that make sense?","start":920.915,"end":921.895,"sentiment":"neutral","sentiment_score":-0.0968573484569788},{"text":"K.","start":923.635,"end":924.135,"sentiment":"neutral","sentiment_score":0.103960283100605},{"text":"So long term, that should all be okay.","start":924.195,"end":926.455,"sentiment":"neutral","sentiment_score":0.30216333642601967},{"text":"It might be worth doing a little bit of an update to some of these options just to make sure it's a a bit of an oil change and going correctly, if that's okay.","start":926.675,"end":935.495,"sentiment":"neutral","sentiment_score":0.18317240564262166},{"text":"K?","start":937.61,"end":938.01,"sentiment":"neutral","sentiment_score":-0.05021399259567261}],"sentiment":"neutral","sentiment_score":0.17315594541529813,"num_words":48,"start":920.915,"end":938.01},{"sentences":[{"text":"So if you'll still because, again, a 102,000, that's not gonna get you a crazy retirement for twenty, thirty years and and all the riches in the world.","start":938.01,"end":947.31,"sentiment":"neutral","sentiment_score":0.2284159614438457},{"text":"So, yes, try and grow it as much as we can.","start":947.37,"end":950.365,"sentiment":"positive","sentiment_score":0.4543428529392589},{"text":"Along the way there, I just need to tune up a few of those options every now and then.","start":950.50494,"end":954.52496,"sentiment":"neutral","sentiment_score":0.17377407025349767},{"text":"K?","start":956.345,"end":956.845,"sentiment":"neutral","sentiment_score":0.04950275272130966},{"text":"Now this there's no wrong answer here.","start":956.985,"end":959.14496,"sentiment":"neutral","sentiment_score":0.04373888458524432}],"sentiment":"neutral","sentiment_score":0.22804243306657582,"num_words":66,"start":938.01,"end":959.14496},{"sentences":[{"text":"This is really gut feeling.","start":959.14496,"end":960.605,"sentiment":"neutral","sentiment_score":0.2750402957201004},{"text":"I've got one question for you.","start":960.745,"end":962.845,"sentiment":"neutral","sentiment_score":0.1864244615038236},{"text":"If you had to choose between low fee investments or paying a higher fee to try and get a higher return, do you have a strong leaning between one or the other?","start":964.20996,"end":974.23,"sentiment":"neutral","sentiment_score":0.05079309968277812},{"text":"And that's actually a fine answer too.","start":988.08,"end":990.26,"sentiment":"neutral","sentiment_score":-0.11548250168561935},{"text":"Sometimes when I ask that question, clients have a pretty big, like, oh my god.","start":990.64,"end":994.32,"sentiment":"neutral","sentiment_score":-0.07538329362869263}],"sentiment":"neutral","sentiment_score":0.03353846955757875,"num_words":65,"start":959.14496,"end":994.32},{"sentences":[{"text":"No.","start":994.32,"end":994.48,"sentiment":"neutral","sentiment_score":-0.227065771818161},{"text":"No.","start":994.48,"end":994.56,"sentiment":"neutral","sentiment_score":-0.2399570494890213},{"text":"It has to be this one.","start":994.56,"end":995.44,"sentiment":"neutral","sentiment_score":-0.15514613687992096},{"text":"It has to be that one.","start":995.44,"end":996.56,"sentiment":"neutral","sentiment_score":-0.04032868643601736},{"text":"And if that's the case, then I can kind of change the style of your options, if that makes sense.","start":996.56,"end":1001.3,"sentiment":"neutral","sentiment_score":0.036372069455683234}],"sentiment":"neutral","sentiment_score":-0.026836187414386693,"num_words":34,"start":994.32,"end":1001.3},{"sentences":[{"text":"Now if you don't have a strong leaning one way or the other, you're actually in a blend of both currently.","start":1002.28503,"end":1006.545,"sentiment":"neutral","sentiment_score":0.024862877442501485},{"text":"So if you're okay with that and we can still keep you on track, I will keep it in the same style.","start":1006.765,"end":1012.385,"sentiment":"positive","sentiment_score":0.4516363123601133},{"text":"Cool.","start":1014.30005,"end":1014.80005,"sentiment":"positive","sentiment_score":0.744454026222229},{"text":"Perfect.","start":1015.34,"end":1015.82,"sentiment":"positive","sentiment_score":0.792694628238678},{"text":"So I'll do a little bit of an update there, keep it within the high growth.","start":1015.82,"end":1019.52,"sentiment":"positive","sentiment_score":0.4605163298547268}],"sentiment":"neutral","sentiment_score":0.3174349054155993,"num_words":61,"start":1002.28503,"end":1019.52},{"sentences":[{"text":"Now because you are focusing so much on that property purchase, I do have to ask the question if you wanna look at doing some salary sacrifice into your super, boost it up that way as well with the tax difference on the contributions, put a little extra in, or would you prefer to just let the the investments do the heavy lifting while you're saving up for that house?","start":1020.22003,"end":1042.63,"sentiment":"neutral","sentiment_score":0.1187202761215823},{"text":"Yep.","start":1046.37,"end":1046.87,"sentiment":"neutral","sentiment_score":0.14522722363471985},{"text":"One of the things that would be really good for you, I think, is that if you're still trying to purchase that home, you can pretty much let that high growth do most of the heavy lifting for that first seven years.","start":1049.3301,"end":1061.065,"sentiment":"positive","sentiment_score":0.4691584599869592},{"text":"Once you hit 60 plus, we can do a couple of other little strategies.","start":1061.525,"end":1065.3049,"sentiment":"neutral","sentiment_score":0.1941490705524172},{"text":"So when you hit 60, if you're not gonna retire for another four or five years, we can actually pull up to 10% of your super out, put it back in for a tax deduction, and the difference in the taxes can boost up your super without costing you anything in the pocket.","start":1067.06,"end":1082.825,"sentiment":"positive","sentiment_score":0.3717967027200843}],"sentiment":"neutral","sentiment_score":0.281020078352756,"num_words":180,"start":1020.22003,"end":1082.825},{"sentences":[{"text":"So what I'm gathering here is just kind of like preferences.","start":1084.645,"end":1087.545,"sentiment":"neutral","sentiment_score":0.10545024546709927},{"text":"So I can say, okay.","start":1087.765,"end":1088.885,"sentiment":"neutral","sentiment_score":0.10243874341249466},{"text":"I'll focus on the high growth returns for now.","start":1088.885,"end":1091.205,"sentiment":"neutral","sentiment_score":0.24068905247582328},{"text":"We won't do any salary sacrifice because you've got other priorities.","start":1091.205,"end":1094.265,"sentiment":"neutral","sentiment_score":0.027984711934219707},{"text":"And then once we get to the later years, we can engage in a few extra strategies on top.","start":1094.69,"end":1098.87,"sentiment":"neutral","sentiment_score":0.15208918483633743}],"sentiment":"neutral","sentiment_score":0.12792498604817823,"num_words":55,"start":1084.645,"end":1098.87},{"sentences":[{"text":"Okay?","start":1100.37,"end":1100.87,"sentiment":"neutral","sentiment_score":0.06298128515481949},{"text":"Perfect.","start":1103.49,"end":1103.99,"sentiment":"positive","sentiment_score":0.47042351961135864},{"text":"I will craft all this together for you for a bit of an update.","start":1104.9299,"end":1107.83,"sentiment":"neutral","sentiment_score":0.2579436664070402},{"text":"Just in terms of estate planning, we did have three people listed as your beneficiaries, which is Joseph, Joshua, and Tazia.","start":1109.375,"end":1117.715,"sentiment":"neutral","sentiment_score":0.13015768818912052},{"text":"Split between 50%, 25, and 25.","start":1119.855,"end":1123.82,"sentiment":"neutral","sentiment_score":0.06703906630476315}],"sentiment":"neutral","sentiment_score":0.1693060926573221,"num_words":43,"start":1100.37,"end":1123.82},{"sentences":[{"text":"Is that still okay?","start":1123.82,"end":1124.88,"sentiment":"neutral","sentiment_score":0.09899552911520004},{"text":"Perfecto.","start":1127.02,"end":1127.52,"sentiment":"positive","sentiment_score":0.3471587598323822},{"text":"And I think the last thing I was looking at was I don't believe you have any, like, insurances in place.","start":1127.98,"end":1132.5399,"sentiment":"neutral","sentiment_score":-0.11836724338077363},{"text":"There's no life insurance or anything that I can see at the moment.","start":1132.5399,"end":1135.74,"sentiment":"neutral","sentiment_score":-0.11713407876399848},{"text":"Does that make sense?","start":1135.74,"end":1137.165,"sentiment":"neutral","sentiment_score":-0.0243821544572711}],"sentiment":"neutral","sentiment_score":-0.07820564828986346,"num_words":43,"start":1123.82,"end":1137.165},{"sentences":[{"text":"Yep.","start":1138.585,"end":1138.985,"sentiment":"neutral","sentiment_score":0.058440059423446655},{"text":"Were you wanting me to get any quotes for any type of insurances or protection this year?","start":1138.985,"end":1143.485,"sentiment":"neutral","sentiment_score":0.022508980377632028},{"text":"Perfect.","start":1147.225,"end":1147.625,"sentiment":"positive","sentiment_score":0.6131282448768616},{"text":"So just keep trucking along.","start":1147.625,"end":1148.985,"sentiment":"positive","sentiment_score":0.3997468829154968},{"text":"We'll keep growing the super, let you guys focus on what you do best, and then we can revisit a few things in a few years.","start":1148.985,"end":1155.76,"sentiment":"neutral","sentiment_score":0.2941641377714964}],"sentiment":"neutral","sentiment_score":0.21402445934712888,"num_words":50,"start":1138.585,"end":1155.76},{"sentences":[{"text":"Cool.","start":1156.7,"end":1157.2,"sentiment":"positive","sentiment_score":0.518208920955658},{"text":"Anything else you might want to talk about this review?","start":1158.14,"end":1161.26,"sentiment":"neutral","sentiment_score":0.11088058650493622},{"text":"Any other advice on your mind at the moment?","start":1161.26,"end":1163.6,"sentiment":"neutral","sentiment_score":0.05580329212049643},{"text":"So that pack that comes through, it does include an updated service agreement for another twelve months, but I do have to ask if you're still comfortable for us to look after your super.","start":1172.295,"end":1182.51,"sentiment":"neutral","sentiment_score":0.004437264438499422},{"text":"Perfect.","start":1186.65,"end":1187.15,"sentiment":"positive","sentiment_score":0.5026524066925049}],"sentiment":"neutral","sentiment_score":0.050595705685290426,"num_words":55,"start":1156.7,"end":1187.15},{"sentences":[{"text":"Before you sign it, it does have the usual 1.65%.","start":1187.2899,"end":1191.39,"sentiment":"neutral","sentiment_score":0.19161052480340005},{"text":"That's the fee that gets split out onto little monthly payments throughout the super.","start":1192.035,"end":1196.535,"sentiment":"neutral","sentiment_score":0.1971811471240861},{"text":"And then because it's an expense in super, you get, like, a 15% rebate paid through the super as well.","start":1196.675,"end":1202.675,"sentiment":"neutral","sentiment_score":0.23653616830706597},{"text":"Sort of reduces the cost down a little bit.","start":1202.675,"end":1204.89,"sentiment":"neutral","sentiment_score":0.27574458718299866},{"text":"K?","start":1206.41,"end":1206.91,"sentiment":"neutral","sentiment_score":0.04590173810720444}],"sentiment":"neutral","sentiment_score":0.22101792030864292,"num_words":54,"start":1187.2899,"end":1206.91},{"sentences":[{"text":"Now alongside that agreement there and the performance, we've included, like, an updated financial services guide.","start":1207.29,"end":1214.75,"sentiment":"neutral","sentiment_score":0.11005196906626225},{"text":"It's our updated licensing information.","start":1214.81,"end":1216.91,"sentiment":"neutral","sentiment_score":0.09690290689468384},{"text":"So who we are, what we can advise on, complaints, procedure, consumer protections, privacy policy, if anything pops up, that's kind of your holy bible for that information.","start":1218.835,"end":1228.695,"sentiment":"neutral","sentiment_score":0.14168077095278672},{"text":"K?","start":1230.85,"end":1231.25,"sentiment":"neutral","sentiment_score":0.020360279828310013},{"text":"Now, Rachel, that pretty much brings me towards the end of the review.","start":1231.25,"end":1234.37,"sentiment":"neutral","sentiment_score":0.04716434372732273}],"sentiment":"neutral","sentiment_score":0.10866514880151029,"num_words":63,"start":1207.29,"end":1234.37},{"sentences":[{"text":"Do you have any questions for me at this point?","start":1234.37,"end":1236.55,"sentiment":"neutral","sentiment_score":0.0196542514488101},{"text":"Perfect.","start":1241.425,"end":1241.925,"sentiment":"positive","sentiment_score":0.3717224001884461},{"text":"So what I'm gonna do is I'm gonna leave that one with you.","start":1242.145,"end":1245.525,"sentiment":"neutral","sentiment_score":0.16296328948094294},{"text":"There is one other document alongside that agreement.","start":1245.665,"end":1249.205,"sentiment":"neutral","sentiment_score":0.0712175383232534},{"text":"And just letting you know what it is, there's a tax file number opt in form.","start":1249.665,"end":1254.12,"sentiment":"neutral","sentiment_score":0.04625175450928509}],"sentiment":"neutral","sentiment_score":0.08326158451382071,"num_words":48,"start":1234.37,"end":1254.12},{"sentences":[{"text":"So because of all of the cybersecurity issues that happened last year, we just wanna make sure we can get our client's consent for holding that number just to make sure it's on that one form.","start":1254.36,"end":1265.1,"sentiment":"neutral","sentiment_score":0.021203108235365815},{"text":"K.","start":1267.015,"end":1267.255,"sentiment":"neutral","sentiment_score":0.02299254760146141},{"text":"Any questions on that?","start":1267.255,"end":1268.555,"sentiment":"neutral","sentiment_score":0.012771549168974161},{"text":"Cool.","start":1270.455,"end":1270.775,"sentiment":"positive","sentiment_score":0.3440428376197815},{"text":"So if it's okay with you, I will go and do a little bit of research with the team to do that engine tune up on the super, and they'll probably get you booked in in a few weeks' time just so I can kind of show you what we're looking to change, make sure you're comfortable before we touch anything.","start":1270.775,"end":1285.4299,"sentiment":"neutral","sentiment_score":0.23263957778938482}],"sentiment":"neutral","sentiment_score":0.14924706527692022,"num_words":103,"start":1254.36,"end":1285.4299},{"sentences":[{"text":"Cool.","start":1287.97,"end":1288.47,"sentiment":"positive","sentiment_score":0.6760730147361755},{"text":"I do really appreciate you taking the time to talk to me today.","start":1288.77,"end":1291.33,"sentiment":"positive","sentiment_score":0.7270524593499991},{"text":"Any last questions before I let you go?","start":1291.33,"end":1293.255,"sentiment":"neutral","sentiment_score":0.11041768686845899},{"text":"Yeah.","start":1298.775,"end":1299.095,"sentiment":"neutral","sentiment_score":0.047339215874671936},{"text":"So that's if you can give that one a sign now, that's for remaining advisers on your account and that tax file number doc.","start":1299.095,"end":1305.915,"sentiment":"neutral","sentiment_score":0.1392103328059117}],"sentiment":"neutral","sentiment_score":0.3063719932861785,"num_words":47,"start":1287.97,"end":1305.915},{"sentences":[{"text":"It should let you either draw your signature on there or it'll try and stamp your name on there.","start":1307.53,"end":1312.41,"sentiment":"neutral","sentiment_score":0.08275189760484193},{"text":"Could you just let me know if it allows you to draw your signature?","start":1312.41,"end":1314.99,"sentiment":"neutral","sentiment_score":0.051442318595945835},{"text":"Okay.","start":1333.7999,"end":1333.96,"sentiment":"neutral","sentiment_score":-0.03491482883691788},{"text":"Let's just understand one instead.","start":1333.96,"end":1335.48,"sentiment":"neutral","sentiment_score":-0.041211928427219394},{"text":"It doesn't let you kind of put your finger on on that stamp and open up, like, a little drawing box.","start":1335.48,"end":1340.94,"sentiment":"neutral","sentiment_score":-0.06250324384087608}],"sentiment":"neutral","sentiment_score":0.012315598720063766,"num_words":60,"start":1307.53,"end":1340.94},{"sentences":[{"text":"There we go.","start":1351.495,"end":1352.2949,"sentiment":"neutral","sentiment_score":0.03434133157134056},{"text":"So if you can draw that one to match your I don't know if you remember your original signature before you updated your name.","start":1352.2949,"end":1359.48,"sentiment":"neutral","sentiment_score":0.02064252848989175},{"text":"So if you could just try and draw it so it matches your Lambert signature, I will get the team to draft up all the documents for your address and name change to match up with hub twenty four.","start":1361.0599,"end":1371.1749,"sentiment":"neutral","sentiment_score":0.0732878113213258},{"text":"Is that okay?","start":1371.1749,"end":1371.995,"sentiment":"neutral","sentiment_score":0.06663027529915173},{"text":"Perfect.","start":1374.135,"end":1374.5349,"sentiment":"positive","sentiment_score":0.52544105052948}],"sentiment":"neutral","sentiment_score":0.059742874234715214,"num_words":70,"start":1351.495,"end":1374.5349},{"sentences":[{"text":"Sometimes I know it can be fun when you get a form that says, hey.","start":1374.5349,"end":1377.095,"sentiment":"neutral","sentiment_score":0.1414575085043907},{"text":"Draw your old signature in your new one.","start":1377.095,"end":1379.0349,"sentiment":"neutral","sentiment_score":0.03922017337754369},{"text":"And a few years down the line, some people actually forget their old one.","start":1379.8949,"end":1383.24,"sentiment":"neutral","sentiment_score":-0.08384953226361956},{"text":"Perfect.","start":1386.28,"end":1386.78,"sentiment":"neutral","sentiment_score":0.25823670625686646},{"text":"Alright, Rachel.","start":1388.2,"end":1389.0,"sentiment":"neutral","sentiment_score":0.04540071077644825}],"sentiment":"neutral","sentiment_score":0.04026921726763248,"num_words":40,"start":1374.5349,"end":1389.0},{"sentences":[{"text":"So in between now and that booking, I'll get the team to kind of post out a bit of a pack, send you some information so we can get all your details updated with Hub twenty four.","start":1389.0,"end":1399.215,"sentiment":"neutral","sentiment_score":0.1381902459102708},{"text":"Awesome.","start":1401.775,"end":1402.275,"sentiment":"positive","sentiment_score":0.7912371754646301},{"text":"Thank you so much for your time today, and we will probably be speaking to you in about a fortnight.","start":1402.335,"end":1407.955,"sentiment":"positive","sentiment_score":0.527005811035633},{"text":"Thanks, Rachel.","start":1410.5869,"end":1411.4869,"sentiment":"positive","sentiment_score":0.6357064843177795},{"text":"Bye.","start":1411.5469,"end":1412.0469,"sentiment":"positive","sentiment_score":0.4033576250076294}],"sentiment":"neutral","sentiment_score":0.2970354604672213,"num_words":61,"start":1389.0,"end":1412.0469}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? Yes. Awesome. Yeah. That's fine. Yep. Mhmm. Yes. It's the 1976. And I don't know if I've updated my address with you. It's 906480 Woodwindale Road in South Hawthorne East. Sorry. I'm just going blank. 2207 oh, was it 207? 207. 20722 no. It was 227 Turek Road. Just trying to think of my unit number. That's really bad. I know it was Unit Level 2. 20 Yeah. Yes. Yep. Yes. So we would be at the South Yarra, and it was 4 what was that? 3 oh, goodness me. I'm sorry. I was like, no. It's all good. It's just hasn't even been that long. Yep. Yeah. So it's rachel.bert@gmail.com. I think that was two zero seven two two seven. Yeah. Yep. Sorry. Mhmm. 208. There you go. Okay. Yep. Yeah. So the new address? Yes. So 9064. Yep. 480 Riversdale Road. And that's in Hawthorne East. Hawthorne East. The postcode. Yep. Postcode is 3123. Yep. Yep. Yep. Yep. Awesome. Yeah. Yep. That's fine. Yep. Yeah. That's fine. Yep. I have one other thing. I have changed my name recently. Does that is that something I have to send to you? Or yep. Okay. Some of it. Most of it. My, yeah, my Medicare and my, yeah, my Medicare, my driver's license, and my passport have been done. I just haven't been to the banks and all that sort of stuff yet. Yes. Yes. That's right. Yep. Yark, y a r k. Mhmm. Yep. Yeah. That's fine. Yep. Mhmm. Mhmm. Yep. Awesome. Fantastic. Yeah. Yep. Okay. That's fine. Yep. Mhmm. Yep. Okay. Yeah. I'll just put you on speaker. Okay. Yep. I might just go get my glasses because I'm getting blind. I'm scared. I'm sorry. Two seconds. Okay. That will make it easier. Won't be squinting. Yeah. Awesome. I don't know at the moment. I I was having some thoughts today, but, no, just to, yeah, see how we go. Yeah. Yeah. Mhmm. Mhmm. We did. Yes. Yeah. It was beautiful. Yep. Yeah. Yeah. Mhmm. Yeah. Probably. Yeah. Yeah. Yeah. We haven't at the moment. No. Just still going how we are at the moment, unfortunately. Yeah. Just yeah. It's just just settling into everything. So, I mean, I've got we've got savings there, but we're just, yeah, tripping away. Yeah. About $30.35. Yep. Mhmm. Excellent. Okay. Yep. Mhmm. Yes. Yeah. Mhmm. I haven't really looked at it. It'd be around that a little bit more, just a tiny bit, maybe. Yeah. Yeah. Yep. Yep. That'll be fine. Yeah. I can. Yeah. Yeah. I'm talking a little bit black at the moment, but yeah. Yeah. That's it. Yep. No. No. No. I haven't yet. No. Mhmm. Yep. Mhmm. Have a good one. Yeah. Mhmm. No. Not really. Not at the moment. No. That's right. Yep. Yep. Yeah. Mhmm. Yep. Awesome. Yep. That's all good. Yeah. I haven't really. I mean, it is something I probably should do. I get the little emails all you know, every now and then to see how it's going. But yeah. I yeah. I haven't really looked into it. Yes. Yeah. It does. Yep. Yeah. Mhmm. Yeah. Oh, very good. Mhmm. Yep. Mhmm. Yeah. That's right. Yep. Oh, good. Yeah. That's excellent. Yep. Right. Mhmm. Right. Yep. Mhmm. Yes. Yeah. Mhmm. I mean, it would be nice to retire earlier, but my husband's younger than me, so I'll probably work a little bit longer. Yeah. Yep. That's a hard one because I don't really know. I don't yeah. I don't I I I honestly don't know. I don't yeah. I don't even know. I haven't discussed my super really properly with anyone. I don't yeah. I'm sort of stuck. I don't even know how to yeah. Mhmm. Yeah. Mhmm. Okay. Yep. Mhmm. Yep. Right. Yes. Yep. Yep. Yep. Mhmm. Mhmm. Okay. Yep. Yep. Okay. Yep. Mhmm. I think so. Yeah. Yep. Yep. Yeah. Yep. Mhmm. Yep. Yeah. Okay. Yep. Yes. Yeah. Mhmm. Okay. Mhmm. Yes. Yeah. Right. Yeah. Yep. Mhmm. Yep. Right. Okay. Yep. Mhmm. Yeah. Mhmm. Yeah. I don't I don't yeah. Something I need to really discuss with my husband. I'm not a 100% sure. Like, I I don't know. It's not yeah. Mhmm. Right. Yep. Yep. Okay. Yep. That sounds good. Yeah. Mhmm. I might like to leave it for now. Maybe. Yeah. Yeah. Because yeah. Mhmm. Right. Yep. Okay. Yep. Alright. Okay. Yep. Yep. Yep. Okay. Yep. Yep. So Yep. Mhmm. Yeah. That's fine. Yep. Yeah. Yep. Mhmm. Not at the moment. No. I think we're good. Yeah. Mhmm. Yep. Yeah. Yeah. That'll be good. Yep. Not that I can think of it. Just I had an email about signing something as well. Is that fees? Or yep. Okay. Right. Yep. Yep. I'm pretty happy with that. Okay. Yep. Mhmm. Okay. Yep. Yep. Okay. Yep. Mhmm. I don't think I do at the moment. No. I think I'm good. Yes. Okay. Yeah. Mhmm. No. No. All good. Yep. Yep. Alright. And that sounds good. Just that bit there where it says signed document. Is that for now? Or yeah. Okay. Yeah. Right. Yeah. Hello there. Oh, so it's oh, yeah. I can sign it. Yeah. Oh, can I? It says it's stamped at there, but when I press sign, it doesn't real yeah. Oh, Oh, yeah. Draw. Yeah. Yeah. It does. Yeah. Yeah. Yeah. Mhmm. Okay. Okay. Yeah. That's fine. Yep. All good. Yep. Yeah. Yeah. Fair enough. Yeah. No. Yep. Okay. That sounds good. Alright. Yep. Sounds good. Excellent. Thank you very much. Okay. Have a good day. 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Good. How are you? Yes. Awesome.\n\nYeah. That's fine. Yep. Mhmm. Yes.\n\nIt's the 1976. And I don't know if I've updated my address with you. It's 906480 Woodwindale Road in South Hawthorne East. Sorry. I'm just going blank.\n\n2207 oh, was it 207? 207. 20722 no. It was 227 Turek Road. Just trying to think of my unit number.\n\nThat's really bad. I know it was Unit Level 2. 20 Yeah. Yes. Yep.\n\nYes. So we would be at the South Yarra, and it was 4 what was that? 3 oh, goodness me. I'm sorry. I was like, no.\n\nIt's all good. It's just hasn't even been that long. Yep. Yeah. So it's rachel.bert@gmail.com.\n\nI think that was two zero seven two two seven. Yeah. Yep. Sorry. Mhmm.\n\n208. There you go. Okay. Yep. Yeah.\n\nSo the new address? Yes. So 9064. Yep. 480 Riversdale Road.\n\nAnd that's in Hawthorne East. Hawthorne East. The postcode. Yep. Postcode is 3123.\n\nYep. Yep. Yep. Yep. Awesome.\n\nYeah. Yep. That's fine. Yep. Yeah.\n\nThat's fine. Yep. I have one other thing. I have changed my name recently. Does that is that something I have to send to you?\n\nOr yep. Okay. Some of it. Most of it. My, yeah, my Medicare and my, yeah, my Medicare, my driver's license, and my passport have been done.\n\nI just haven't been to the banks and all that sort of stuff yet. Yes. Yes. That's right. Yep.\n\nYark, y a r k. Mhmm. Yep. Yeah. That's fine.\n\nYep. Mhmm. Mhmm. Yep. Awesome.\n\nFantastic. Yeah. Yep. Okay. That's fine.\n\nYep. Mhmm. Yep. Okay. Yeah.\n\nI'll just put you on speaker. Okay. Yep. I might just go get my glasses because I'm getting blind. I'm scared.\n\nI'm sorry. Two seconds. Okay. That will make it easier. Won't be squinting.\n\nYeah. Awesome. I don't know at the moment. I I was having some thoughts today, but, no, just to, yeah, see how we go. Yeah.\n\nYeah. Mhmm. Mhmm. We did. Yes.\n\nYeah. It was beautiful. Yep. Yeah. Yeah.\n\nMhmm. Yeah. Probably. Yeah. Yeah.\n\nYeah. We haven't at the moment. No. Just still going how we are at the moment, unfortunately. Yeah.\n\nJust yeah. It's just just settling into everything. So, I mean, I've got we've got savings there, but we're just, yeah, tripping away. Yeah. About $30.35.\n\nYep. Mhmm. Excellent. Okay. Yep.\n\nMhmm. Yes. Yeah. Mhmm. I haven't really looked at it.\n\nIt'd be around that a little bit more, just a tiny bit, maybe. Yeah. Yeah. Yep. Yep.\n\nThat'll be fine. Yeah. I can. Yeah. Yeah.\n\nI'm talking a little bit black at the moment, but yeah. Yeah. That's it. Yep. No.\n\nNo. No. I haven't yet. No. Mhmm.\n\nYep. Mhmm. Have a good one. Yeah. Mhmm.\n\nNo. Not really. Not at the moment. No. That's right.\n\nYep. Yep. Yeah. Mhmm. Yep.\n\nAwesome. Yep. That's all good. Yeah. I haven't really.\n\nI mean, it is something I probably should do. I get the little emails all you know, every now and then to see how it's going. But yeah. I yeah. I haven't really looked into it.\n\nYes. Yeah. It does. Yep. Yeah.\n\nMhmm. Yeah. Oh, very good. Mhmm. Yep.\n\nMhmm. Yeah. That's right. Yep. Oh, good.\n\nYeah. That's excellent. Yep. Right. Mhmm.\n\nRight. Yep. Mhmm. Yes. Yeah.\n\nMhmm. I mean, it would be nice to retire earlier, but my husband's younger than me, so I'll probably work a little bit longer. Yeah. Yep. That's a hard one because I don't really know.\n\nI don't yeah. I don't I I I honestly don't know. I don't yeah. I don't even know. I haven't discussed my super really properly with anyone.\n\nI don't yeah. I'm sort of stuck. I don't even know how to yeah. Mhmm. Yeah.\n\nMhmm. Okay. Yep. Mhmm. Yep.\n\nRight. Yes. Yep. Yep. Yep.\n\nMhmm. Mhmm. Okay. Yep. Yep.\n\nOkay. Yep. Mhmm. I think so. Yeah.\n\nYep. Yep. Yeah. Yep. Mhmm.\n\nYep. Yeah. Okay. Yep. Yes.\n\nYeah. Mhmm. Okay. Mhmm. Yes.\n\nYeah. Right. Yeah. Yep. Mhmm.\n\nYep. Right. Okay. Yep. Mhmm.\n\nYeah. Mhmm. Yeah. I don't I don't yeah. Something I need to really discuss with my husband.\n\nI'm not a 100% sure. Like, I I don't know. It's not yeah. Mhmm. Right.\n\nYep. Yep. Okay. Yep. That sounds good.\n\nYeah. Mhmm. I might like to leave it for now. Maybe. Yeah.\n\nYeah. Because yeah. Mhmm. Right. Yep.\n\nOkay. Yep. Alright. Okay. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nSo Yep. Mhmm. Yeah. That's fine. Yep.\n\nYeah. Yep. Mhmm. Not at the moment. No.\n\nI think we're good. Yeah. Mhmm. Yep. Yeah.\n\nYeah. That'll be good. Yep. Not that I can think of it. Just I had an email about signing something as well.\n\nIs that fees? Or yep. Okay. Right. Yep.\n\nYep. I'm pretty happy with that. Okay. Yep. Mhmm.\n\nOkay. Yep. Yep. Okay. Yep.\n\nMhmm. I don't think I do at the moment. No. I think I'm good. Yes.\n\nOkay. Yeah. Mhmm. No. No.\n\nAll good. Yep. Yep. Alright. And that sounds good.\n\nJust that bit there where it says signed document. Is that for now? Or yeah. Okay. Yeah.\n\nRight. Yeah. Hello there. Oh, so it's oh, yeah. I can sign it.\n\nYeah. Oh, can I? It says it's stamped at there, but when I press sign, it doesn't real yeah. Oh, Oh, yeah. Draw.\n\nYeah. Yeah. It does. Yeah. Yeah.\n\nYeah. Mhmm. Okay. Okay. Yeah.\n\nThat's fine. Yep. All good. Yep. Yeah.\n\nYeah. Fair enough. Yeah. No. Yep.\n\nOkay. That sounds good. Alright. Yep. Sounds good.\n\nExcellent. Thank you very much. Okay. Have a good day. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03929328173398971},{"text":"Good.","start":6.64,"end":6.96,"sentiment":"positive","sentiment_score":0.3653772473335266},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.2836780399084091},{"text":"Yes.","start":12.799999,"end":13.299999,"sentiment":"positive","sentiment_score":0.3730117678642273},{"text":"Awesome.","start":13.36,"end":13.86,"sentiment":"positive","sentiment_score":0.5903275609016418}],"sentiment":"neutral","sentiment_score":0.31700628250837326,"num_words":7,"start":0.64,"end":13.86},{"sentences":[{"text":"Yeah.","start":20.974998,"end":21.135,"sentiment":"neutral","sentiment_score":0.10861039161682128},{"text":"That's 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don't think I do at the moment.","start":1236.74,"end":1238.34,"sentiment":"neutral","sentiment_score":-0.2552467882633209},{"text":"No.","start":1238.34,"end":1238.84,"sentiment":"neutral","sentiment_score":-0.22652265429496765},{"text":"I think I'm 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good.","start":1269.47,"end":1270.2101,"sentiment":"neutral","sentiment_score":0.12846627831459045},{"text":"Yep.","start":1277.275,"end":1277.775,"sentiment":"neutral","sentiment_score":0.29882657527923584},{"text":"Yep.","start":1285.435,"end":1285.935,"sentiment":"neutral","sentiment_score":0.28545141220092773},{"text":"Alright.","start":1285.995,"end":1286.395,"sentiment":"positive","sentiment_score":0.4159306287765503},{"text":"And that sounds good.","start":1286.395,"end":1287.535,"sentiment":"positive","sentiment_score":0.619679406285286}],"sentiment":"positive","sentiment_score":0.4150954220030043,"num_words":9,"start":1269.47,"end":1287.535},{"sentences":[{"text":"Just that bit there where it says signed document.","start":1294.6,"end":1296.6,"sentiment":"neutral","sentiment_score":0.024082293526993856},{"text":"Is that for now?","start":1296.6,"end":1297.32,"sentiment":"neutral","sentiment_score":0.020150888012722135},{"text":"Or yeah.","start":1297.32,"end":1300.5399,"sentiment":"neutral","sentiment_score":0.08738082554191351},{"text":"Okay.","start":1306.2351,"end":1306.555,"sentiment":"neutral","sentiment_score":0.0844915509223938},{"text":"Yeah.","start":1306.555,"end":1307.055,"sentiment":"neutral","sentiment_score":0.0869770422577858}],"sentiment":"neutral","sentiment_score":0.03785731988575529,"num_words":17,"start":1294.6,"end":1307.055},{"sentences":[{"text":"Right.","start":1307.1151,"end":1307.3551,"sentiment":"neutral","sentiment_score":0.09033085405826569},{"text":"Yeah.","start":1307.3551,"end":1307.8551,"sentiment":"neutral","sentiment_score":0.107356458902359},{"text":"Hello there.","start":1318.51,"end":1322.67,"sentiment":"neutral","sentiment_score":0.02935109008103609},{"text":"Oh, so it's oh, yeah.","start":1322.67,"end":1324.59,"sentiment":"neutral","sentiment_score":0.04457451999187469},{"text":"I can sign it.","start":1324.59,"end":1325.47,"sentiment":"neutral","sentiment_score":0.053407732397317886}],"sentiment":"neutral","sentiment_score":0.05329946328241091,"num_words":13,"start":1307.1151,"end":1325.47},{"sentences":[{"text":"Yeah.","start":1325.47,"end":1325.95,"sentiment":"neutral","sentiment_score":0.017718862742185593},{"text":"Oh, can I?","start":1325.95,"end":1327.01,"sentiment":"neutral","sentiment_score":-0.0009671365842223167},{"text":"It says it's stamped at there, but when I press sign, it doesn't real yeah.","start":1327.23,"end":1332.53,"sentiment":"neutral","sentiment_score":-0.08537258530656497},{"text":"Oh, Oh, yeah.","start":1346.745,"end":1349.2101,"sentiment":"neutral","sentiment_score":0.004763264829913775},{"text":"Draw.","start":1349.2101,"end":1349.6901,"sentiment":"neutral","sentiment_score":0.003583516925573349}],"sentiment":"neutral","sentiment_score":-0.05425643544320179,"num_words":23,"start":1325.47,"end":1349.6901},{"sentences":[{"text":"Yeah.","start":1349.6901,"end":1350.01,"sentiment":"neutral","sentiment_score":0.0316559374332428},{"text":"Yeah.","start":1350.01,"end":1350.25,"sentiment":"neutral","sentiment_score":0.054995954036712646},{"text":"It 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fine.","start":1372.3251,"end":1373.045,"sentiment":"neutral","sentiment_score":0.24328089505434036},{"text":"Yep.","start":1373.045,"end":1373.525,"sentiment":"neutral","sentiment_score":0.3070802092552185},{"text":"All good.","start":1373.525,"end":1374.15,"sentiment":"positive","sentiment_score":0.5948911011219025},{"text":"Yep.","start":1379.27,"end":1379.77,"sentiment":"neutral","sentiment_score":0.030528221279382706},{"text":"Yeah.","start":1383.51,"end":1383.91,"sentiment":"neutral","sentiment_score":0.06222676485776901}],"sentiment":"neutral","sentiment_score":0.2965970268206937,"num_words":7,"start":1372.3251,"end":1383.91},{"sentences":[{"text":"Yeah.","start":1383.91,"end":1384.15,"sentiment":"neutral","sentiment_score":0.09367255866527556},{"text":"Fair enough.","start":1384.15,"end":1384.89,"sentiment":"neutral","sentiment_score":0.1334838904440403},{"text":"Yeah.","start":1386.0701,"end":1386.39,"sentiment":"neutral","sentiment_score":0.1717023253440857},{"text":"No.","start":1386.39,"end":1386.89,"sentiment":"neutral","sentiment_score":-0.045386433601379395},{"text":"Yep.","start":1399.785,"end":1400.105,"sentiment":"neutral","sentiment_score":0.17183846235275269}],"sentiment":"neutral","sentiment_score":0.10979911560813586,"num_words":6,"start":1383.91,"end":1400.105},{"sentences":[{"text":"Okay.","start":1400.105,"end":1400.505,"sentiment":"positive","sentiment_score":0.38570088148117065},{"text":"That sounds good.","start":1400.505,"end":1401.485,"sentiment":"positive","sentiment_score":0.6950799226760864},{"text":"Alright.","start":1404.62,"end":1405.12,"sentiment":"positive","sentiment_score":0.3692162036895752},{"text":"Yep.","start":1408.22,"end":1408.54,"sentiment":"positive","sentiment_score":0.361364483833313},{"text":"Sounds good.","start":1408.54,"end":1409.18,"sentiment":"positive","sentiment_score":0.72380131483078}],"sentiment":"positive","sentiment_score":0.5811404958367348,"num_words":8,"start":1400.105,"end":1409.18},{"sentences":[{"text":"Excellent.","start":1409.18,"end":1409.68,"sentiment":"positive","sentiment_score":0.8037729263305664},{"text":"Thank you very much.","start":1410.3,"end":1411.36,"sentiment":"positive","sentiment_score":0.8326298594474792},{"text":"Okay.","start":1411.8201,"end":1412.22,"sentiment":"positive","sentiment_score":0.3604024648666382},{"text":"Have a good day.","start":1412.22,"end":1412.9401,"sentiment":"positive","sentiment_score":0.593392550945282},{"text":"Bye.","start":1412.9401,"end":1413.4401,"sentiment":"neutral","sentiment_score":-0.10022380948066711}],"sentiment":"positive","sentiment_score":0.6152764748443257,"num_words":11,"start":1409.18,"end":1413.4401}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Rachel. It's Tommy here, senior adviser from Oakview. How are you going?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing absolutely fantastic. I'm just calling you to go through your annual review.\n\nChannel 1: Yes. Awesome.\n\nChannel 0: Perfect. Now before I shoot off your annual review pack to your email, are you okay for this call to be recorded?\n\nChannel 1: Yeah. That's fine. Yep. Mhmm.\n\nChannel 0: Perfect. And just for the usual security process, so I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yes. It's the 1976. And I don't know if I've updated my address with you. It's 906480 Woodwindale Road in South Hawthorne\n\nChannel 0: I'll probably have to update that one. Do you remember\n\nChannel 1: East.\n\nChannel 0: what your previous one would have been?\n\nChannel 1: Sorry. I'm just going blank. 2207 oh, was it 207?\n\nChannel 0: I'm the same way with the moving\n\nChannel 1: 207.\n\nChannel 0: thirteen times.\n\nChannel 1: 20722 no. It was 227 Turek Road. Just trying to think of my unit number. That's really bad. I know it was Unit Level 2.\n\nChannel 0: So you were saying\n\nChannel 1: 20\n\nChannel 0: two two seven Toorak Road, did you\n\nChannel 1: Yeah.\n\nChannel 0: say?\n\nChannel 1: Yes. Yep.\n\nChannel 0: And do you remember the suburb and postcode?\n\nChannel 1: Yes. So we would be at the South Yarra, and it was 4 what was that? 3 oh, goodness me.\n\nChannel 0: I'll put you\n\nChannel 1: I'm\n\nChannel 0: on\n\nChannel 1: sorry.\n\nChannel 0: the spot\n\nChannel 1: I was\n\nChannel 0: today.\n\nChannel 1: like,\n\nChannel 0: I apologize.\n\nChannel 1: no. It's all good. It's just hasn't\n\nChannel 0: And\n\nChannel 1: even\n\nChannel 0: one\n\nChannel 1: been\n\nChannel 0: last\n\nChannel 1: that\n\nChannel 0: thing\n\nChannel 1: long.\n\nChannel 0: I'll check, which will be easier,\n\nChannel 1: Yep.\n\nChannel 0: would be your email address.\n\nChannel 1: Yeah. So it's rachel.bert@gmail.com.\n\nChannel 0: Perfect.\n\nChannel 1: I think\n\nChannel 0: I think\n\nChannel 1: that was\n\nChannel 0: that\n\nChannel 1: two\n\nChannel 0: that\n\nChannel 1: zero\n\nChannel 0: adds\n\nChannel 1: seven\n\nChannel 0: up to\n\nChannel 1: two\n\nChannel 0: three\n\nChannel 1: two seven.\n\nChannel 0: full points\n\nChannel 1: Yeah.\n\nChannel 0: of ID.\n\nChannel 1: Yep.\n\nChannel 0: 90\n\nChannel 1: Sorry.\n\nChannel 0: percent of an address and an email address definitely counts. It was 208.\n\nChannel 1: Mhmm. 208. There you go.\n\nChannel 0: There you go. And it was, yeah,\n\nChannel 1: Okay.\n\nChannel 0: 227. All that was correct.\n\nChannel 1: Yep.\n\nChannel 0: So I'm definitely\n\nChannel 1: Yeah.\n\nChannel 0: comfortable that it is you, Rachel. Could I just quickly take down that address again, please? I just wanna actually write it down so I can update details.\n\nChannel 1: So the new address?\n\nChannel 0: Yes, please.\n\nChannel 1: Yes. So 9064.\n\nChannel 0: Nine zero 6\n\nChannel 1: Yep. 480 Riversdale Road.\n\nChannel 0: 480 Riversdale Road\n\nChannel 1: And that's\n\nChannel 0: and\n\nChannel 1: in\n\nChannel 0: suburb.\n\nChannel 1: Hawthorne East. Hawthorne East.\n\nChannel 0: Hawthorne\n\nChannel 1: The postcode.\n\nChannel 0: East.\n\nChannel 1: Yep. Postcode is 3123.\n\nChannel 0: 3123. That's easy enough to remember.\n\nChannel 1: Yep.\n\nChannel 0: Now just quickly, I'm just gonna quickly do the old Google Maps just to make sure I've got the correct everything there.\n\nChannel 1: Yep.\n\nChannel 0: Riverdale Road, Hawthorne East 31239064\n\nChannel 1: Yep.\n\nChannel 0: 80. I do\n\nChannel 1: Yep.\n\nChannel 0: have it here.\n\nChannel 1: Awesome.\n\nChannel 0: Alright. So what I might do too, just after the review and everything is done, are you okay for me to see if we need to update your, like, your Superfund address as well?\n\nChannel 1: Yeah. Yep. That's fine. Yep.\n\nChannel 0: Let's have a squeeze. We have it set to yeah. We'll have to update the residential address. Are you okay for that to be your postal address too?\n\nChannel 1: Yeah. That's fine. Yep. I have\n\nChannel 0: Easy\n\nChannel 1: one\n\nChannel 0: done.\n\nChannel 1: other thing. I have changed my name recently. Does that\n\nChannel 0: Perfect.\n\nChannel 1: is that something I have to send to you? Or\n\nChannel 0: It depends. So once\n\nChannel 1: yep.\n\nChannel 0: everything that we do when it comes to superannuation is linked to, like, your ID, your driver's license. So have you updated\n\nChannel 1: Okay.\n\nChannel 0: surname, and does that reflect across all of your ID\n\nChannel 1: Some\n\nChannel 0: now?\n\nChannel 1: of it. Most of it.\n\nChannel 0: Some\n\nChannel 1: My,\n\nChannel 0: of it. Yeah. It is\n\nChannel 1: yeah,\n\nChannel 0: hard\n\nChannel 1: my\n\nChannel 0: to\n\nChannel 1: Medicare\n\nChannel 0: to tick\n\nChannel 1: and my,\n\nChannel 0: everything off.\n\nChannel 1: yeah, my Medicare, my driver's license, and my passport have been done. I just haven't been to the banks and all that sort of stuff yet.\n\nChannel 0: That's okay. So is that from a marriage? Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Or\n\nChannel 1: Yes. That's right. Yep.\n\nChannel 0: okay. So instead of Lambert, what would be the new surname?\n\nChannel 1: Yark, y a r k.\n\nChannel 0: Y a r k, and that's married name. So if it's\n\nChannel 1: Mhmm.\n\nChannel 0: okay with you, I might send everything out into the one pack, and\n\nChannel 1: Yep.\n\nChannel 0: we can update your address and name as long as you're okay for us to certify, like, your marriage certificate and updated driver's license.\n\nChannel 1: Yeah. That's fine. Yep. Mhmm.\n\nChannel 0: Perfect. So I'll put that in for the team to organize with you. And driver's license. It's just our usual checks we do, like the the photo with the ID. I'll certify\n\nChannel 1: Mhmm.\n\nChannel 0: it as the adviser, and we can update everything in one one sweep.\n\nChannel 1: Yep. Awesome. Fantastic.\n\nChannel 0: Right. Perfect. Are you okay for the documents for today's review to come out matching the details on your hub 24 until we get that updated?\n\nChannel 1: Yeah. Yep. Okay. That's fine. Yep.\n\nChannel 0: K.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm gonna pop this through to your Gmail address.\n\nChannel 1: Yep.\n\nChannel 0: Will you be\n\nChannel 1: Okay.\n\nChannel 0: able to look onto the documents with me while I go through them with you?\n\nChannel 1: Yeah. I'll just put you on speaker.\n\nChannel 0: That's perfectly fine. So I'm just sending out the annual review pack from our new system, which is Odoo. It'll give you a a set of attachments similar to a normal email, but there's also a digital authorization link as well.\n\nChannel 1: Okay. Yep. I might just go get my glasses because I'm getting blind. I'm\n\nChannel 0: Happens\n\nChannel 1: scared.\n\nChannel 0: to the best of us, Rachel. Stay with me.\n\nChannel 1: I'm sorry. Two seconds.\n\nChannel 0: That's okay?\n\nChannel 1: Okay. That will make it easier. Won't\n\nChannel 0: Perfect.\n\nChannel 1: be squinting. Yeah. Awesome.\n\nChannel 0: Cool. So before I dive into these attachments with you, is there anything in particular you would like to get out of this year's review besides updating your details?\n\nChannel 1: I don't know at the moment. I I was having some thoughts today, but, no, just to, yeah, see how we go. Yeah.\n\nChannel 0: Yep. Just a bit of a general update, that kind of thing.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Okay. I'm just gonna briefly start with your goals here because I just wanna see how you were going with everything, and I'll update those too. You had some pretty big goals last time you\n\nChannel 1: Mhmm.\n\nChannel 0: spoke to Veronica about you just got married at the time, so now the details are updated. You guys were going to Europe, to Barcelona, and Paris. Did you end up going?\n\nChannel 1: We did. Yes. Yeah. It was beautiful.\n\nChannel 0: Beautiful. Great to hear. And you did have a goal there trying to save up to purchase a property as well.\n\nChannel 1: Yep. Yeah. Yeah. Mhmm.\n\nChannel 0: Cool. That's still your main focus for the next, say, three years or so?\n\nChannel 1: Yeah. Probably. Yeah. Yeah.\n\nChannel 0: K. And have you guys actually discussed any kind of figures about what type of property you're trying to purchase, or is it still a little bit far away for that?\n\nChannel 1: Yeah. We haven't at the moment. No. Just still going how we are at the moment, unfortunately. Yeah.\n\nChannel 0: No worries at all. Would you have built up any kind of savings and deposit towards that that goal so far or still just trying to settle into the new groove?\n\nChannel 1: Just yeah. It's just just settling into everything. So, I mean, I've got we've got savings there, but we're just, yeah, tripping away. Yeah.\n\nChannel 0: Perfect. Can I note down just maybe, like, a tentative figure in terms of cash savings for your file? $5.10, $15.50?\n\nChannel 1: About $30.35.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Well done, you guys.\n\nChannel 1: Excellent.\n\nChannel 0: Alright. Now I do only just have a couple last details to update, and I just wanna make sure our new system reflects correctly because we've converted all the data across. So\n\nChannel 1: Okay.\n\nChannel 0: last couple of questions, then we'll dive right into the super if that's okay.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: We had you working as a service person driver for Kennett's, which\n\nChannel 1: Yes.\n\nChannel 0: I can still see their contributions coming through.\n\nChannel 1: Yeah.\n\nChannel 0: It looks like maybe your income's bumped up slightly. Would you still be on around 72,000, or do you know a bit of an updated annual salary?\n\nChannel 1: Mhmm. I haven't really looked at it. It'd be around that a little bit more, just a tiny bit, maybe.\n\nChannel 0: K. Do\n\nChannel 1: Yeah.\n\nChannel 0: you want me to put, like, 75 down for the time being just\n\nChannel 1: Yeah.\n\nChannel 0: as a bit\n\nChannel 1: Yep.\n\nChannel 0: of a yep.\n\nChannel 1: Yep. That'll\n\nChannel 0: Perfect.\n\nChannel 1: be fine.\n\nChannel 0: Are you still able to put aside approximately 300 a week into savings towards that deposit? I think that's what we had last time.\n\nChannel 1: Yeah. I can. Yeah. Yeah. I'm talking a little bit black at the moment, but yeah.\n\nChannel 0: Yeah. It goes up and down with whatever's\n\nChannel 1: Yeah.\n\nChannel 0: blowing up on the news, doesn't it?\n\nChannel 1: That's it. Yep.\n\nChannel 0: Perfect. Cool. And last couple of questions. Have you guys ever gone through, like, a bankruptcy or a part nine debt agreement before?\n\nChannel 1: No. No.\n\nChannel 0: That's more like an insolvency question. And did you end up putting in place, like, a will and a power of attorney for your estate planning?\n\nChannel 1: No. I haven't yet. No.\n\nChannel 0: Easy done. If it is helpful, I know it can be a bit daunting to try and find, like, a solicitor to put in place a will, but\n\nChannel 1: Mhmm.\n\nChannel 0: there's also public trustees of every state. So in Victoria, the the kind of courthouse does appointments for wills and power of attorneys, and the post office has government approved will kits, like, $25 if that helps as well.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Cool.\n\nChannel 1: Have a good one. Yeah.\n\nChannel 0: Alright. Is there anything in particular that you guys have for goals in the next three, five years that I haven't already captured in terms of the\n\nChannel 1: Mhmm.\n\nChannel 0: family\n\nChannel 1: No.\n\nChannel 0: plan?\n\nChannel 1: Not really. Not at the moment. No.\n\nChannel 0: Fantastic. And I think we had you listed down as a nonsmoker. Is that correct?\n\nChannel 1: That's right. Yep.\n\nChannel 0: Perfect. So that's all lining up perfectly. Now if you look at that email that I've sent you, you should see some attachments, like little PDF attachments there. And you have, like, a hub\n\nChannel 1: Yep.\n\nChannel 0: 24 should say hub twenty four IRR, so internal rate of return. That's\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Mhmm.\n\nChannel 0: main one I wanted to have a quick look at you with if that's okay.\n\nChannel 1: Yep. Awesome. Yep. That's all\n\nChannel 0: Cool.\n\nChannel 1: good.\n\nChannel 0: Rachel, do you log in to your hub twenty four every now and then, or is it more just when you when the reviews come along?\n\nChannel 1: Yeah. I haven't really. I mean, it is something I probably should do. I get the little emails all you know, every now and then to see how it's going. But yeah.\n\nI yeah. I haven't really looked into it.\n\nChannel 0: Perfect. So when I look at your account and I do a full review, I know that you were previously with Netwealth with us, and we moved you across just over a year ago into Hub twenty four. Does that ring a bell?\n\nChannel 1: Yes. Yeah. It does. Yep.\n\nChannel 0: Cool. So I'm looking at the original advice. Some pretty good news is that we\n\nChannel 1: Yeah.\n\nChannel 0: had a bit of a five year projection when you came on board to\n\nChannel 1: Mhmm.\n\nChannel 0: reach 92,000 after five years.\n\nChannel 1: Yeah.\n\nChannel 0: And at just over five years, you're sitting at a hundred and two thousand six thirty five currently. So pretty much just exceeded expectations for five years.\n\nChannel 1: Oh, very good.\n\nChannel 0: Okay? Now you did go into a pretty high growth portfolio within Hub. So most of your super is in growth assets, shares,\n\nChannel 1: Mhmm.\n\nChannel 0: property, gold, that kind of high risk, high return if that rings a bell.\n\nChannel 1: Yep. Mhmm. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: right. Yep.\n\nChannel 0: Now world kind of blown up, which has been for an interesting twelve months for you being in Hub twenty four. Good news is you're still positive for the year, about four and a half percent, but that previous portfolio that you were in in Netwealth, if you stayed there, you would have been in the negative. So it was definitely a good move.\n\nChannel 1: Oh, good. Yeah. That's excellent.\n\nChannel 0: But we're still not out of the woods just yet. Like, I think that this situation is probably gonna last throughout the year, pretty\n\nChannel 1: Yep.\n\nChannel 0: much. So our general plan there is because you do have so many years until retirement that we kind of use these dips as a bit of a buying opportunity. Your contributions\n\nChannel 1: Right.\n\nChannel 0: come in from work. If the market dips a little bit, we can buy some shares and property for a cheaper price. And when the\n\nChannel 1: Mhmm.\n\nChannel 0: market goes up, you get those bigger returns on the way up.\n\nChannel 1: Right. Yep. Mhmm.\n\nChannel 0: K? So generally speaking, high growth, you wanna average at about 10% plus per year. Some years, you'll go up ten, twenty, 30. Once every seven years, there's gonna be a crash, and it's gonna drop 20 or 30%. But it should average out in double digits.\n\nDoes that make sense?\n\nChannel 1: Yes. Yeah. Mhmm.\n\nChannel 0: K. So do you have a preference between, I guess, retiring early towards the age of 60 when you can access your super, or are you okay to kind of work through a little bit more slow and steady into those later years?\n\nChannel 1: I mean, it would be nice to retire earlier, but my husband's younger than me, so I'll probably work a little bit longer.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So would you still then be focused on trying to get, I guess, as much growth out of the supers as you can at this point? Like, what would you say your main priority is at the moment?\n\nChannel 1: That's a hard one because I don't really know. I don't yeah. I don't I I I honestly don't know. I don't yeah. I don't even know.\n\nI haven't discussed my super really properly with anyone. I don't yeah. I'm sort of stuck. I don't even know\n\nChannel 0: No.\n\nChannel 1: how to\n\nChannel 0: That's totally fine.\n\nChannel 1: yeah.\n\nChannel 0: That's part of part of what I'm here to do as well. Because once you hit that 60, you can start accessing your super. That's your preservation age. And\n\nChannel 1: Mhmm.\n\nChannel 0: I mentioned before that every seven years or so, we have a stock market crash. There's a financial\n\nChannel 1: Yeah.\n\nChannel 0: crisis, COVID, that type of thing.\n\nChannel 1: Mhmm.\n\nChannel 0: That pretty much means that if you go middle of the road towards the mid sixties, you've got about fourteen years to build up the super.\n\nChannel 1: Okay. Yep. Mhmm.\n\nChannel 0: So if you split that into seven year cycles, it means you have one market cycle to get as much growth as you can and then one cycle where we have to start protecting your super,\n\nChannel 1: Yep.\n\nChannel 0: gradually\n\nChannel 1: Right.\n\nChannel 0: reducing the risk as you get closer. Because you probably don't\n\nChannel 1: Yes.\n\nChannel 0: wanna be high risk at 63, and you lose half of it in the stock market crash a year before you retire. Do you know what I mean?\n\nChannel 1: Yep. Yep. Yep. Mhmm.\n\nChannel 0: So as long as you're comfortable with the fact that it will go up and down like a bit of a roller coaster,\n\nChannel 1: Mhmm.\n\nChannel 0: I'm okay for you to keep focusing on the growth because, you know, your contributions are going in, get as much returns as you can. And then once we get closer to retirement, we can start reducing the risk level gradually.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: What that kind of looks like is if you're at 90% shares and property now, that last seven years, you're probably gonna go eighty, seventy, sixty, fifty, forty percent, and then that's your pension account in your mid sixties.\n\nChannel 1: Okay. Yep. Mhmm.\n\nChannel 0: Does that\n\nChannel 1: I\n\nChannel 0: make sense?\n\nChannel 1: think so. Yeah. Yep.\n\nChannel 0: K. Now one thing that I wanted to sort of point out in that chart, the the Hub 24 charts are a bit big. Lots of figures all over them. Can you\n\nChannel 1: Yep.\n\nChannel 0: see the second page there, how it's just got one line in the table, whereas\n\nChannel 1: Yeah.\n\nChannel 0: the first page has a whole bunch of lines.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: So on that second page, on the very right hand side, that's your net return of that 4.4% after fees.\n\nChannel 1: Yep.\n\nChannel 0: K? If you go back up to that first page where you've got all of those different codes, that's all of your investment options that we have you in.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: K? Now if you go on the right hand side, can you see how half of them have brackets around them and half of them don't in those percentages?\n\nChannel 1: Yes. Yeah. Mhmm.\n\nChannel 0: K? So anything with the percentage is a positive return for the option. Anything with the brackets is a negative return for the option. So you can kind of see they're offsetting each other. You've\n\nChannel 1: Okay.\n\nChannel 0: got\n\nChannel 1: Mhmm.\n\nChannel 0: your gold in the middle going up 23, but then your Indian shares going down 16%. And it's this this volatility that's going on where some sectors and countries are going up and some are going down. Does that make sense?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: K. So long term, that should all be okay. It might be worth doing a little bit of an update to some of these options just to make sure it's a a bit of an oil change and going correctly, if that's okay.\n\nChannel 1: Right. Yeah. Yep. Mhmm.\n\nChannel 0: K? So if you'll still because, again, a 102,000, that's not gonna get you a crazy retirement for twenty, thirty years and and all the riches in the world. So,\n\nChannel 1: Yep.\n\nChannel 0: yes, try and grow it as much as we can. Along the way there, I just need to tune up a few of those options every now and then.\n\nChannel 1: Right. Okay. Yep. Mhmm.\n\nChannel 0: K? Now this there's no wrong answer here. This is really gut feeling. I've got one question for you.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: If you had to choose between low fee investments or paying a higher fee to try and get a higher return, do you have a strong leaning between one or the other?\n\nChannel 1: Yeah. I don't I don't yeah. Something I need to really discuss with my husband. I'm not a 100% sure. Like, I I don't know.\n\nIt's\n\nChannel 0: And\n\nChannel 1: not\n\nChannel 0: that's actually a fine answer too. Sometimes when I ask that question, clients have a pretty big, like, oh my god. No. No. It has to be this one.\n\nIt has to be that one. And\n\nChannel 1: yeah.\n\nChannel 0: if that's the case, then I can kind of change the style of your options, if that makes sense.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if you don't have a strong leaning one way or the other, you're actually in a blend of both currently. So\n\nChannel 1: Right.\n\nChannel 0: if you're okay with that and we\n\nChannel 1: Yep.\n\nChannel 0: can still keep you on track, I will keep it in the same style.\n\nChannel 1: Yep. Okay. Yep. That sounds\n\nChannel 0: Cool. Perfect. So I'll do a little bit of an update there, keep\n\nChannel 1: good.\n\nChannel 0: it within the high growth.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Mhmm.\n\nChannel 0: because you are focusing so much on that property purchase, I do have to ask the question if you wanna look at doing some salary sacrifice into your super, boost it up that way as well with the tax difference on the contributions, put a little extra in, or would you prefer to just let the the investments do the heavy lifting while you're saving up for that house?\n\nChannel 1: I might like to leave it for now.\n\nChannel 0: Yep.\n\nChannel 1: Maybe. Yeah. Yeah. Because\n\nChannel 0: One of\n\nChannel 1: yeah.\n\nChannel 0: the things that would be really good for you, I think, is that if you're still trying to purchase that home, you can pretty much let that high growth do most of the heavy lifting for that first seven years.\n\nChannel 1: Mhmm.\n\nChannel 0: Once you hit 60 plus, we can do a couple of other little strategies.\n\nChannel 1: Right. Yep. Okay.\n\nChannel 0: So when you hit 60, if you're not gonna retire for another four or five years, we can actually pull up to 10% of your super out, put\n\nChannel 1: Yep.\n\nChannel 0: it back in for a tax deduction, and the difference in the taxes can boost up your super without costing you anything in the pocket.\n\nChannel 1: Alright. Okay. Yep.\n\nChannel 0: So what I'm gathering here is just kind of like preferences. So I can say, okay. I'll focus on the high growth returns for now. We won't do any salary sacrifice because you've got other priorities. And\n\nChannel 1: Yep.\n\nChannel 0: then once we get to the later years, we can engage in a few extra strategies on top.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: I will craft all this together for you for a bit of an update. Just in terms of estate planning, we did have three people listed as your beneficiaries, which is Joseph, Joshua, and Tazia.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Split between 50%, 25, and 25. Is that still okay?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Perfecto. And I think the last thing I was looking at was I don't believe you have any, like, insurances in place. There's no life insurance or anything that I can see at the moment. Does that make sense?\n\nChannel 1: Yeah. Yep. Mhmm.\n\nChannel 0: Yep. Were you wanting me to get any quotes for any type of insurances or protection this year?\n\nChannel 1: Not at the moment. No. I think we're good. Yeah.\n\nChannel 0: Perfect. So just keep trucking along. We'll keep growing\n\nChannel 1: Mhmm.\n\nChannel 0: the super, let you guys focus on what you do best, and then we can revisit a few things in a few years.\n\nChannel 1: Yep. Yeah. Yeah. That'll be good.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Anything else you might want to talk about this review? Any other advice on your mind at the moment?\n\nChannel 1: Not that I can think of it. Just I had an email about signing something as well. Is that fees? Or\n\nChannel 0: So that pack that comes through, it does\n\nChannel 1: yep.\n\nChannel 0: include an updated service agreement for another twelve months, but I\n\nChannel 1: Okay.\n\nChannel 0: do have to ask if you're still comfortable for us to look after your super.\n\nChannel 1: Right. Yep. Yep. I'm pretty happy with that.\n\nChannel 0: Perfect. Before you sign it, it does have the usual 1.65%. That's the fee that gets split out onto little monthly payments throughout the super. And then because it's an expense in super, you get, like, a 15% rebate paid through the super as well. Sort of reduces the cost down a little bit.\n\nChannel 1: Okay. Yep. Mhmm.\n\nChannel 0: K? Now alongside that agreement there and the performance, we've included, like, an updated financial services guide. It's our updated licensing information.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So who we are, what we can advise on, complaints, procedure, consumer protections, privacy policy, if anything pops up, that's kind of your holy bible for that information.\n\nChannel 1: Yep. Okay. Yep. Mhmm.\n\nChannel 0: K? Now, Rachel, that pretty much brings me towards the end of the review. Do you have any questions for me at this point?\n\nChannel 1: I don't think I do at the moment. No. I think I'm good.\n\nChannel 0: Perfect. So what I'm gonna do is I'm gonna leave that one with you. There is one other document alongside that agreement. And\n\nChannel 1: Yes.\n\nChannel 0: just letting you know what it is, there's a tax file number opt in form. So because of all of the cybersecurity issues that happened last year, we just wanna make sure we can get our client's consent for holding that number just\n\nChannel 1: Okay.\n\nChannel 0: to make sure it's on that one form.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: K. Any questions on that?\n\nChannel 1: No. No. All good.\n\nChannel 0: Cool. So if it's okay with you, I will go and do a little bit of research with the team to do that engine tune up on the super, and\n\nChannel 1: Yep.\n\nChannel 0: they'll probably get you booked in in a few weeks' time just so I can kind of show you what we're looking to change, make sure you're comfortable before we touch anything.\n\nChannel 1: Yep. Alright. And that sounds good.\n\nChannel 0: Cool. I do really appreciate you taking the time to talk to me today. Any last questions before I let you go?\n\nChannel 1: Just that bit there where it says signed document. Is that for now? Or\n\nChannel 0: Yeah. So that's if you can\n\nChannel 1: yeah.\n\nChannel 0: give that one a sign now, that's for remaining advisers on your account and that tax file number doc.\n\nChannel 1: Okay. Yeah. Right. Yeah.\n\nChannel 0: It should let you either draw your signature on there or it'll try and stamp your name on there. Could you just let me know if it allows you to draw your signature?\n\nChannel 1: Hello there. Oh, so it's oh, yeah. I can sign it. Yeah. Oh, can I?\n\nIt says it's stamped at there, but when I press sign, it doesn't real yeah.\n\nChannel 0: Okay. Let's just understand one instead. It doesn't let you kind of put your finger on on that stamp and open up, like, a little drawing box.\n\nChannel 1: Oh, Oh, yeah. Draw. Yeah. Yeah. It does.\n\nYeah.\n\nChannel 0: There we go. So if you can draw that one to match your I don't know if you remember your original signature before you updated your name.\n\nChannel 1: Yeah. Yeah. Mhmm.\n\nChannel 0: So if you could just try and draw it so it matches your Lambert signature, I\n\nChannel 1: Okay.\n\nChannel 0: will get the team to draft up all the documents for your address and name change to\n\nChannel 1: Okay.\n\nChannel 0: match up with hub twenty four. Is that okay?\n\nChannel 1: Yeah. That's fine. Yep. All good.\n\nChannel 0: Perfect. Sometimes I know it can be fun when you get a form that says, hey. Draw your old signature in your new one.\n\nChannel 1: Yep.\n\nChannel 0: And a few years down the line, some people actually forget their old one.\n\nChannel 1: Yeah. Yeah. Fair enough. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: No.\n\nChannel 0: Alright, Rachel. So in between now and that booking, I'll get the team to kind of post out a bit of a pack, send you some information so we can get all your details updated with Hub twenty four.\n\nChannel 1: Yep. Okay. That sounds good.\n\nChannel 0: Awesome. Thank you so much for your time today, and\n\nChannel 1: Alright.\n\nChannel 0: we will probably be speaking to you in about a fortnight.\n\nChannel 1: Yep. Sounds good. Excellent. Thank you\n\nChannel 0: Thanks,\n\nChannel 1: very much.\n\nChannel 0: Rachel. Bye.\n\nChannel 1: Okay. Have a good day. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03929328173398971}],"sentiment":"neutral","sentiment_score":0.03929328173398971,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon, Rachel.","start":2.48,"end":3.52,"sentiment":"neutral","sentiment_score":0.286729762951533},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.2493013377700533},{"text":"How are you going?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.25988148152828217}],"sentiment":"neutral","sentiment_score":0.2603446128112929,"channel":0,"num_words":14,"start":2.48,"end":6.5},{"sentences":[{"text":"Good.","start":6.64,"end":6.96,"sentiment":"positive","sentiment_score":0.3653772473335266},{"text":"How are you?","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.2836780399084091}],"sentiment":"neutral","sentiment_score":0.3041028417646885,"channel":1,"num_words":4,"start":6.64,"end":7.8599997},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":7.9199996,"end":9.62,"sentiment":"positive","sentiment_score":0.764044389128685},{"text":"I'm just calling you to go through your annual review.","start":9.84,"end":12.34,"sentiment":"positive","sentiment_score":0.36247367560863497}],"sentiment":"positive","sentiment_score":0.4772081651857921,"channel":0,"num_words":14,"start":7.9199996,"end":12.34},{"sentences":[{"text":"Yes.","start":12.799999,"end":13.299999,"sentiment":"positive","sentiment_score":0.3730117678642273},{"text":"Awesome.","start":13.36,"end":13.86,"sentiment":"positive","sentiment_score":0.5903275609016418}],"sentiment":"positive","sentiment_score":0.48166966438293457,"channel":1,"num_words":2,"start":12.799999,"end":13.86},{"sentences":[{"text":"Perfect.","start":14.595,"end":14.995001,"sentiment":"positive","sentiment_score":0.4705527126789093},{"text":"Now before I shoot off your annual review pack to your email, are you okay for this call to be 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most of your super is in growth assets, shares,","start":630.96497,"end":634.665,"sentiment":"neutral","sentiment_score":0.140312160551548}],"sentiment":"neutral","sentiment_score":0.2023136011608269,"channel":0,"num_words":23,"start":625.685,"end":634.665},{"sentences":[{"text":"Mhmm.","start":634.33496,"end":634.83496,"sentiment":"neutral","sentiment_score":0.08306633681058884}],"sentiment":"neutral","sentiment_score":0.08306633681058884,"channel":1,"num_words":1,"start":634.33496,"end":634.83496},{"sentences":[{"text":"property, gold, that kind of high risk, high return if that rings a bell.","start":634.725,"end":639.45,"sentiment":"neutral","sentiment_score":0.17326546673263823}],"sentiment":"neutral","sentiment_score":0.17326546673263823,"channel":0,"num_words":14,"start":634.725,"end":639.45},{"sentences":[{"text":"Yep.","start":639.5,"end":639.82,"sentiment":"neutral","sentiment_score":0.08207432925701141},{"text":"Mhmm.","start":639.82,"end":640.14,"sentiment":"neutral","sentiment_score":0.04499317705631256},{"text":"Yeah.","start":640.14,"end":640.38,"sentiment":"neutral","sentiment_score":0.069701187312603},{"text":"That's","start":640.38,"end":640.54,"sentiment":"neutral","sentiment_score":0.09828898310661316}],"sentiment":"neutral","sentiment_score":0.07376441918313503,"channel":1,"num_words":4,"start":639.5,"end":640.54},{"sentences":[{"text":"Yep.","start":640.41003,"end":640.91003,"sentiment":"neutral","sentiment_score":0.07681665569543839}],"sentiment":"neutral","sentiment_score":0.07681665569543839,"channel":0,"num_words":1,"start":640.41003,"end":640.91003},{"sentences":[{"text":"right.","start":640.54,"end":640.86,"sentiment":"neutral","sentiment_score":0.07923250645399094},{"text":"Yep.","start":640.86,"end":641.36,"sentiment":"neutral","sentiment_score":0.0721486434340477}],"sentiment":"neutral","sentiment_score":0.07569057494401932,"channel":1,"num_words":2,"start":640.54,"end":641.36},{"sentences":[{"text":"Now world kind of blown up, which has been for an interesting twelve months for you being in Hub twenty four.","start":641.29004,"end":646.51,"sentiment":"neutral","sentiment_score":-0.02220290455789793},{"text":"Good news is you're still positive for the year, about four and a half percent, but that previous portfolio that you were in in Netwealth, if you stayed there, you would have been in the negative.","start":646.73004,"end":656.605,"sentiment":"neutral","sentiment_score":0.12722670178239545},{"text":"So it was definitely a good move.","start":656.745,"end":658.44495,"sentiment":"positive","sentiment_score":0.4898596065385001}],"sentiment":"neutral","sentiment_score":0.11785808615968563,"channel":0,"num_words":64,"start":641.29004,"end":658.44495},{"sentences":[{"text":"Oh, good.","start":658.705,"end":659.265,"sentiment":"neutral","sentiment_score":0.32249635457992554},{"text":"Yeah.","start":659.265,"end":659.745,"sentiment":"neutral","sentiment_score":0.3019210696220398},{"text":"That's excellent.","start":659.745,"end":660.485,"sentiment":"positive","sentiment_score":0.5554960370063782}],"sentiment":"positive","sentiment_score":0.41158117055892945,"channel":1,"num_words":5,"start":658.705,"end":660.485},{"sentences":[{"text":"But we're still not out of the woods just yet.","start":661.38495,"end":663.545,"sentiment":"neutral","sentiment_score":-0.14771000631153583},{"text":"Like, I think that this situation is probably gonna last throughout the year, pretty","start":663.545,"end":668.80005,"sentiment":"neutral","sentiment_score":-0.07636182276265961}],"sentiment":"neutral","sentiment_score":-0.10609023257469137,"channel":0,"num_words":24,"start":661.38495,"end":668.80005},{"sentences":[{"text":"Yep.","start":668.69,"end":669.19,"sentiment":"neutral","sentiment_score":0.021229907870292664}],"sentiment":"neutral","sentiment_score":0.021229907870292664,"channel":1,"num_words":1,"start":668.69,"end":669.19},{"sentences":[{"text":"much.","start":668.80005,"end":669.30005,"sentiment":"neutral","sentiment_score":0.03326919674873352},{"text":"So our general plan there is because you do have so many years until retirement that we kind of use these dips as a bit of a buying opportunity.","start":669.68,"end":678.02,"sentiment":"neutral","sentiment_score":0.1480942175819956},{"text":"Your contributions","start":678.32,"end":679.06,"sentiment":"neutral","sentiment_score":0.06921672821044922}],"sentiment":"neutral","sentiment_score":0.1395760925952345,"channel":0,"num_words":32,"start":668.80005,"end":679.06},{"sentences":[{"text":"Right.","start":678.655,"end":679.155,"sentiment":"neutral","sentiment_score":0.1090475618839264}],"sentiment":"neutral","sentiment_score":0.1090475618839264,"channel":1,"num_words":1,"start":678.655,"end":679.155},{"sentences":[{"text":"come in from work.","start":679.2,"end":680.26,"sentiment":"neutral","sentiment_score":0.0974502433091402},{"text":"If the market dips a little bit, we can buy some shares and property for a cheaper price.","start":680.375,"end":684.855,"sentiment":"neutral","sentiment_score":0.1409859023988247},{"text":"And when the","start":684.855,"end":685.415,"sentiment":"neutral","sentiment_score":0.13926365474859873}],"sentiment":"neutral","sentiment_score":0.13381352722644807,"channel":0,"num_words":25,"start":679.2,"end":685.415},{"sentences":[{"text":"Mhmm.","start":685.295,"end":685.795,"sentiment":"neutral","sentiment_score":0.15362197160720825}],"sentiment":"neutral","sentiment_score":0.15362197160720825,"channel":1,"num_words":1,"start":685.295,"end":685.795},{"sentences":[{"text":"market goes up, you get those bigger returns on the way up.","start":685.415,"end":688.635,"sentiment":"neutral","sentiment_score":0.26264240965247154}],"sentiment":"neutral","sentiment_score":0.26264240965247154,"channel":0,"num_words":12,"start":685.415,"end":688.635},{"sentences":[{"text":"Right.","start":688.975,"end":689.375,"sentiment":"neutral","sentiment_score":0.08944777399301529},{"text":"Yep.","start":689.375,"end":689.775,"sentiment":"neutral","sentiment_score":0.06385912001132965},{"text":"Mhmm.","start":689.775,"end":690.275,"sentiment":"neutral","sentiment_score":0.03270677104592323}],"sentiment":"neutral","sentiment_score":0.06200455501675606,"channel":1,"num_words":3,"start":688.975,"end":690.275},{"sentences":[{"text":"K?","start":690.45496,"end":690.935,"sentiment":"neutral","sentiment_score":0.02464667148888111},{"text":"So generally speaking, high growth, you wanna average at about 10% plus per year.","start":690.935,"end":695.61,"sentiment":"neutral","sentiment_score":0.07035611090915543},{"text":"Some years, you'll go up ten, twenty, 30.","start":696.08997,"end":698.35,"sentiment":"neutral","sentiment_score":0.015931447967886925},{"text":"Once every seven years, there's gonna be a crash, and it's gonna drop 20 or 30%.","start":698.81,"end":702.81,"sentiment":"neutral","sentiment_score":-0.10143064009025693},{"text":"But it should average out in double digits.","start":702.81,"end":704.57,"sentiment":"neutral","sentiment_score":0.05778613965958357}],"sentiment":"neutral","sentiment_score":-0.000500368429942334,"channel":0,"num_words":47,"start":690.45496,"end":704.57},{"sentences":[{"text":"Does that make sense?","start":704.57,"end":705.63,"sentiment":"neutral","sentiment_score":0.07092232163995504}],"sentiment":"neutral","sentiment_score":0.07092232163995504,"channel":0,"num_words":4,"start":704.57,"end":705.63},{"sentences":[{"text":"Yes.","start":705.665,"end":706.14496,"sentiment":"neutral","sentiment_score":0.07146914303302765},{"text":"Yeah.","start":706.14496,"end":706.545,"sentiment":"neutral","sentiment_score":0.057490602135658264},{"text":"Mhmm.","start":706.545,"end":707.045,"sentiment":"neutral","sentiment_score":0.03376537561416626}],"sentiment":"neutral","sentiment_score":0.05424170692761739,"channel":1,"num_words":3,"start":705.665,"end":707.045},{"sentences":[{"text":"K.","start":707.45,"end":707.93,"sentiment":"neutral","sentiment_score":0.018730727955698967},{"text":"So do you have a preference between, I guess, retiring early towards the age of 60 when you can access your super, or are you okay to kind of work through a little bit more slow and steady into those later years?","start":707.93,"end":720.365,"sentiment":"neutral","sentiment_score":-0.005142956351240476}],"sentiment":"neutral","sentiment_score":-0.004587754390613977,"channel":0,"num_words":43,"start":707.45,"end":720.365},{"sentences":[{"text":"I mean, it would be nice to retire earlier, but my husband's younger than me, so I'll probably work a little bit longer.","start":722.75,"end":728.52997,"sentiment":"neutral","sentiment_score":-0.02379013006777867}],"sentiment":"neutral","sentiment_score":-0.02379013006777867,"channel":1,"num_words":23,"start":722.75,"end":728.52997},{"sentences":[{"text":"Yep.","start":728.84,"end":729.34,"sentiment":"neutral","sentiment_score":0.050507716834545135}],"sentiment":"neutral","sentiment_score":0.050507716834545135,"channel":0,"num_words":1,"start":728.84,"end":729.34},{"sentences":[{"text":"Yeah.","start":729.63,"end":730.11,"sentiment":"neutral","sentiment_score":0.05841642618179321},{"text":"Yep.","start":730.11,"end":730.61,"sentiment":"neutral","sentiment_score":-0.027203084900975227}],"sentiment":"neutral","sentiment_score":0.015606670640408993,"channel":1,"num_words":2,"start":729.63,"end":730.61},{"sentences":[{"text":"So would you still then be focused on trying to get, I guess, as much growth out of the supers as you can at this point?","start":731.32,"end":737.725,"sentiment":"neutral","sentiment_score":0.17052929003078204},{"text":"Like, what would you say your main priority is at the moment?","start":737.725,"end":740.225,"sentiment":"neutral","sentiment_score":0.0640016548956434}],"sentiment":"neutral","sentiment_score":0.136888984198633,"channel":0,"num_words":38,"start":731.32,"end":740.225},{"sentences":[{"text":"That's a hard one because I don't really know.","start":742.695,"end":745.11505,"sentiment":"negative","sentiment_score":-0.43432637055714923},{"text":"I don't yeah.","start":746.455,"end":748.03,"sentiment":"neutral","sentiment_score":-0.30234302083651227},{"text":"I don't I I I honestly don't know.","start":748.03,"end":750.11,"sentiment":"negative","sentiment_score":-0.3579855151474476},{"text":"I don't yeah.","start":750.11,"end":751.47003,"sentiment":"neutral","sentiment_score":-0.27628778914610547},{"text":"I don't even 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know","start":759.07,"end":759.87,"sentiment":"negative","sentiment_score":-0.33708062767982483}],"sentiment":"neutral","sentiment_score":-0.32537380754947665,"channel":1,"num_words":20,"start":752.51,"end":759.87},{"sentences":[{"text":"No.","start":759.755,"end":760.075,"sentiment":"neutral","sentiment_score":-0.23932591080665588}],"sentiment":"neutral","sentiment_score":-0.23932591080665588,"channel":0,"num_words":1,"start":759.755,"end":760.075},{"sentences":[{"text":"how to","start":759.87,"end":760.275,"sentiment":"neutral","sentiment_score":-0.155817411839962}],"sentiment":"neutral","sentiment_score":-0.155817411839962,"channel":1,"num_words":2,"start":759.87,"end":760.275},{"sentences":[{"text":"That's totally fine.","start":760.075,"end":761.695,"sentiment":"neutral","sentiment_score":0.05907475699981054}],"sentiment":"neutral","sentiment_score":0.05907475699981054,"channel":0,"num_words":3,"start":760.075,"end":761.695},{"sentences":[{"text":"yeah.","start":761.47504,"end":761.97504,"sentiment":"neutral","sentiment_score":0.15790288150310516}],"sentiment":"neutral","sentiment_score":0.15790288150310516,"channel":1,"num_words":1,"start":761.47504,"end":761.97504},{"sentences":[{"text":"That's part of part of what I'm here to do as well.","start":762.315,"end":765.835,"sentiment":"positive","sentiment_score":0.36937099943558377},{"text":"Because once you hit that 60, you can start accessing your super.","start":765.835,"end":770.47504,"sentiment":"neutral","sentiment_score":0.2708232266207536},{"text":"That's your preservation age.","start":770.47504,"end":772.09503,"sentiment":"neutral","sentiment_score":0.17245016619563103},{"text":"And","start":772.315,"end":772.815,"sentiment":"neutral","sentiment_score":-0.0065176822245121}],"sentiment":"neutral","sentiment_score":0.28846943776669176,"channel":0,"num_words":29,"start":762.315,"end":772.815},{"sentences":[{"text":"Mhmm.","start":772.35504,"end":772.85504,"sentiment":"neutral","sentiment_score":-0.017111726105213165}],"sentiment":"neutral","sentiment_score":-0.017111726105213165,"channel":1,"num_words":1,"start":772.35504,"end":772.85504},{"sentences":[{"text":"I mentioned before that every seven years or so, we have a stock market crash.","start":773.15,"end":776.99,"sentiment":"neutral","sentiment_score":-0.14297897045811017},{"text":"There's a 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that if you go middle of the road towards the mid sixties, you've got about fourteen years to build up the super.","start":781.23,"end":789.675,"sentiment":"neutral","sentiment_score":0.03247559858629337}],"sentiment":"neutral","sentiment_score":0.03247559858629337,"channel":0,"num_words":26,"start":781.23,"end":789.675},{"sentences":[{"text":"Okay.","start":790.12,"end":790.51996,"sentiment":"neutral","sentiment_score":0.11390157788991928},{"text":"Yep.","start":790.51996,"end":791.0,"sentiment":"neutral","sentiment_score":0.12000115215778352},{"text":"Mhmm.","start":791.0,"end":791.5,"sentiment":"neutral","sentiment_score":0.10668919235467912}],"sentiment":"neutral","sentiment_score":0.11353064080079396,"channel":1,"num_words":3,"start":790.12,"end":791.5},{"sentences":[{"text":"So if you split that into seven year cycles, it means you have one market cycle to get as much growth as you can and then one cycle where we have to start protecting your 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closer.","start":802.76996,"end":804.61,"sentiment":"neutral","sentiment_score":-0.012603705482823508},{"text":"Because you probably don't","start":804.61,"end":805.33,"sentiment":"neutral","sentiment_score":-0.08822354301810265}],"sentiment":"neutral","sentiment_score":-0.04010182822292501,"channel":0,"num_words":11,"start":802.76996,"end":805.33},{"sentences":[{"text":"Yes.","start":805.33,"end":805.83,"sentiment":"neutral","sentiment_score":-0.069716677069664}],"sentiment":"neutral","sentiment_score":-0.069716677069664,"channel":1,"num_words":1,"start":805.33,"end":805.83},{"sentences":[{"text":"wanna be high risk at 63, and you lose half of it in the stock market crash a year before you retire.","start":805.33,"end":810.93,"sentiment":"neutral","sentiment_score":-0.22419591349634257},{"text":"Do you know what I mean?","start":810.93,"end":811.99,"sentiment":"neutral","sentiment_score":-0.06090083345770836}],"sentiment":"neutral","sentiment_score":-0.18920411063092096,"channel":0,"num_words":28,"start":805.33,"end":811.99},{"sentences":[{"text":"Yep.","start":812.29,"end":812.52997,"sentiment":"neutral","sentiment_score":0.0616045705974102},{"text":"Yep.","start":812.52997,"end":812.61,"sentiment":"neutral","sentiment_score":0.08815900981426239},{"text":"Yep.","start":812.61,"end":813.11,"sentiment":"neutral","sentiment_score":0.11761949956417084},{"text":"Mhmm.","start":813.49,"end":813.99,"sentiment":"neutral","sentiment_score":0.11564187705516817}],"sentiment":"neutral","sentiment_score":0.0957562392577529,"channel":1,"num_words":4,"start":812.29,"end":813.99},{"sentences":[{"text":"So as long as you're comfortable with the fact that it will go up and down like a bit of a roller 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will craft all this together for you for a bit of an update.","start":1104.9299,"end":1107.83,"sentiment":"neutral","sentiment_score":0.2579436664070402},{"text":"Just in terms of estate planning, we did have three people listed as your beneficiaries, which is Joseph, Joshua, and Tazia.","start":1109.375,"end":1117.715,"sentiment":"neutral","sentiment_score":0.13015768818912052}],"sentiment":"neutral","sentiment_score":0.1812720794762884,"channel":0,"num_words":35,"start":1104.9299,"end":1117.715},{"sentences":[{"text":"Yep.","start":1118.5,"end":1118.8999,"sentiment":"neutral","sentiment_score":0.07206432521343231},{"text":"Mhmm.","start":1118.8999,"end":1119.3999,"sentiment":"neutral","sentiment_score":0.05578434839844704}],"sentiment":"neutral","sentiment_score":0.06392433680593967,"channel":1,"num_words":2,"start":1118.5,"end":1119.3999},{"sentences":[{"text":"Split between 50%, 25, and 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what I'm gonna do is I'm gonna leave that one with you.","start":1242.145,"end":1245.525,"sentiment":"neutral","sentiment_score":0.16296328948094294},{"text":"There is one other document alongside that agreement.","start":1245.665,"end":1249.205,"sentiment":"neutral","sentiment_score":0.0712175383232534},{"text":"And","start":1249.665,"end":1250.165,"sentiment":"neutral","sentiment_score":0.05780824273824692}],"sentiment":"neutral","sentiment_score":0.13555624838108601,"channel":0,"num_words":23,"start":1241.425,"end":1250.165},{"sentences":[{"text":"Yes.","start":1249.875,"end":1250.375,"sentiment":"neutral","sentiment_score":0.000504332419950515}],"sentiment":"neutral","sentiment_score":0.000504332419950515,"channel":1,"num_words":1,"start":1249.875,"end":1250.375},{"sentences":[{"text":"just letting you know what it is, there's a tax file number opt in form.","start":1250.385,"end":1254.12,"sentiment":"neutral","sentiment_score":0.04548132196068764},{"text":"So because of all of the cybersecurity issues that happened last year, we just wanna make sure we can get our client's consent for holding that number just","start":1254.36,"end":1263.24,"sentiment":"neutral","sentiment_score":0.02144874299743346}],"sentiment":"neutral","sentiment_score":0.029832200775312824,"channel":0,"num_words":43,"start":1250.385,"end":1263.24},{"sentences":[{"text":"Okay.","start":1263.23,"end":1263.73,"sentiment":"neutral","sentiment_score":0.019046934321522713}],"sentiment":"neutral","sentiment_score":0.019046934321522713,"channel":1,"num_words":1,"start":1263.23,"end":1263.73},{"sentences":[{"text":"to make sure it's on that one form.","start":1263.24,"end":1265.1,"sentiment":"neutral","sentiment_score":0.020343386568129063}],"sentiment":"neutral","sentiment_score":0.020343386568129063,"channel":0,"num_words":8,"start":1263.24,"end":1265.1},{"sentences":[{"text":"Yeah.","start":1265.47,"end":1265.87,"sentiment":"neutral","sentiment_score":0.040297236293554306},{"text":"Mhmm.","start":1265.87,"end":1266.37,"sentiment":"neutral","sentiment_score":0.032105639576911926}],"sentiment":"neutral","sentiment_score":0.036201437935233116,"channel":1,"num_words":2,"start":1265.47,"end":1266.37},{"sentences":[{"text":"K.","start":1267.015,"end":1267.255,"sentiment":"neutral","sentiment_score":0.02299254760146141},{"text":"Any questions on that?","start":1267.255,"end":1268.555,"sentiment":"neutral","sentiment_score":0.012771549168974161}],"sentiment":"neutral","sentiment_score":0.01481574885547161,"channel":0,"num_words":5,"start":1267.015,"end":1268.555},{"sentences":[{"text":"No.","start":1268.67,"end":1269.15,"sentiment":"neutral","sentiment_score":-0.1120154857635498},{"text":"No.","start":1269.15,"end":1269.47,"sentiment":"neutral","sentiment_score":-0.11810606718063354},{"text":"All good.","start":1269.47,"end":1270.2101,"sentiment":"neutral","sentiment_score":0.12846627831459045}],"sentiment":"neutral","sentiment_score":0.006702750921249393,"channel":1,"num_words":4,"start":1268.67,"end":1270.2101},{"sentences":[{"text":"Cool.","start":1270.455,"end":1270.775,"sentiment":"positive","sentiment_score":0.3440428376197815},{"text":"So if it's okay with you, I will go and do a little bit of research with the team to do that engine tune up on the super, and","start":1270.775,"end":1277.515,"sentiment":"neutral","sentiment_score":0.25489434137426575}],"sentiment":"neutral","sentiment_score":0.25786595791578293,"channel":0,"num_words":30,"start":1270.455,"end":1277.515},{"sentences":[{"text":"Yep.","start":1277.275,"end":1277.775,"sentiment":"neutral","sentiment_score":0.29882657527923584}],"sentiment":"neutral","sentiment_score":0.29882657527923584,"channel":1,"num_words":1,"start":1277.275,"end":1277.775},{"sentences":[{"text":"they'll probably get you booked in in a few weeks' time just so I can kind of show you what we're looking to change, make sure you're comfortable before we touch anything.","start":1277.8151,"end":1285.4299,"sentiment":"neutral","sentiment_score":0.21247119829058647}],"sentiment":"neutral","sentiment_score":0.21247119829058647,"channel":0,"num_words":32,"start":1277.8151,"end":1285.4299},{"sentences":[{"text":"Yep.","start":1285.435,"end":1285.935,"sentiment":"neutral","sentiment_score":0.28545141220092773},{"text":"Alright.","start":1285.995,"end":1286.395,"sentiment":"positive","sentiment_score":0.4159306287765503},{"text":"And that sounds good.","start":1286.395,"end":1287.535,"sentiment":"positive","sentiment_score":0.619679406285286}],"sentiment":"positive","sentiment_score":0.5300166110197703,"channel":1,"num_words":6,"start":1285.435,"end":1287.535},{"sentences":[{"text":"Cool.","start":1287.97,"end":1288.47,"sentiment":"positive","sentiment_score":0.6760730147361755},{"text":"I do really appreciate you taking the time to talk to me today.","start":1288.77,"end":1291.33,"sentiment":"positive","sentiment_score":0.7270524593499991},{"text":"Any last questions before I let you go?","start":1291.33,"end":1293.255,"sentiment":"neutral","sentiment_score":0.11041768686845899}],"sentiment":"positive","sentiment_score":0.5005043855106289,"channel":0,"num_words":22,"start":1287.97,"end":1293.255},{"sentences":[{"text":"Just that bit there where it says signed document.","start":1294.6,"end":1296.6,"sentiment":"neutral","sentiment_score":0.024082293526993856},{"text":"Is that for now?","start":1296.6,"end":1297.32,"sentiment":"neutral","sentiment_score":0.020150888012722135},{"text":"Or","start":1297.32,"end":1297.82,"sentiment":"neutral","sentiment_score":0.02933916263282299}],"sentiment":"neutral","sentiment_score":0.023334525459046875,"channel":1,"num_words":14,"start":1294.6,"end":1297.82},{"sentences":[{"text":"Yeah.","start":1298.775,"end":1299.095,"sentiment":"neutral","sentiment_score":0.047339215874671936},{"text":"So that's if you can","start":1299.095,"end":1300.215,"sentiment":"neutral","sentiment_score":0.09282849878072738}],"sentiment":"neutral","sentiment_score":0.08524695162971814,"channel":0,"num_words":6,"start":1298.775,"end":1300.215},{"sentences":[{"text":"yeah.","start":1300.0399,"end":1300.5399,"sentiment":"neutral","sentiment_score":0.14542248845100403}],"sentiment":"neutral","sentiment_score":0.14542248845100403,"channel":1,"num_words":1,"start":1300.0399,"end":1300.5399},{"sentences":[{"text":"give that one a sign now, that's for remaining advisers on your account and that tax file number doc.","start":1300.215,"end":1305.915,"sentiment":"neutral","sentiment_score":0.15141607860201284}],"sentiment":"neutral","sentiment_score":0.15141607860201284,"channel":0,"num_words":19,"start":1300.215,"end":1305.915},{"sentences":[{"text":"Okay.","start":1306.2351,"end":1306.555,"sentiment":"neutral","sentiment_score":0.0844915509223938},{"text":"Yeah.","start":1306.555,"end":1307.055,"sentiment":"neutral","sentiment_score":0.0869770422577858},{"text":"Right.","start":1307.1151,"end":1307.3551,"sentiment":"neutral","sentiment_score":0.09033085405826569},{"text":"Yeah.","start":1307.3551,"end":1307.8551,"sentiment":"neutral","sentiment_score":0.107356458902359}],"sentiment":"neutral","sentiment_score":0.09228897653520107,"channel":1,"num_words":4,"start":1306.2351,"end":1307.8551},{"sentences":[{"text":"It should let you either draw your signature on there or it'll try and stamp your name on there.","start":1307.53,"end":1312.41,"sentiment":"neutral","sentiment_score":0.08275189760484193},{"text":"Could you just let me know if it allows you to draw your signature?","start":1312.41,"end":1314.99,"sentiment":"neutral","sentiment_score":0.051442318595945835}],"sentiment":"neutral","sentiment_score":0.06946904590409814,"channel":0,"num_words":33,"start":1307.53,"end":1314.99},{"sentences":[{"text":"Hello there.","start":1318.51,"end":1322.67,"sentiment":"neutral","sentiment_score":0.02935109008103609},{"text":"Oh, so it's oh, yeah.","start":1322.67,"end":1324.59,"sentiment":"neutral","sentiment_score":0.04457451999187469},{"text":"I can sign it.","start":1324.59,"end":1325.47,"sentiment":"neutral","sentiment_score":0.053407732397317886},{"text":"Yeah.","start":1325.47,"end":1325.95,"sentiment":"neutral","sentiment_score":0.017718862742185593},{"text":"Oh, can 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I","start":1361.0599,"end":1365.46,"sentiment":"neutral","sentiment_score":0.06363716418854892}],"sentiment":"neutral","sentiment_score":0.06363716418854892,"channel":0,"num_words":16,"start":1361.0599,"end":1365.46},{"sentences":[{"text":"Okay.","start":1365.4451,"end":1365.9451,"sentiment":"neutral","sentiment_score":0.007405453361570835}],"sentiment":"neutral","sentiment_score":0.007405453361570835,"channel":1,"num_words":1,"start":1365.4451,"end":1365.9451},{"sentences":[{"text":"will get the team to draft up all the documents for your address and name change to","start":1365.46,"end":1369.815,"sentiment":"neutral","sentiment_score":0.09073623204055954}],"sentiment":"neutral","sentiment_score":0.09073623204055954,"channel":0,"num_words":17,"start":1365.46,"end":1369.815},{"sentences":[{"text":"Okay.","start":1369.765,"end":1370.265,"sentiment":"neutral","sentiment_score":0.033037517219781876}],"sentiment":"neutral","sentiment_score":0.033037517219781876,"channel":1,"num_words":1,"start":1369.765,"end":1370.265},{"sentences":[{"text":"match up with hub twenty four.","start":1369.815,"end":1371.1749,"sentiment":"neutral","sentiment_score":0.04958567830423514},{"text":"Is that okay?","start":1371.1749,"end":1371.995,"sentiment":"neutral","sentiment_score":0.06663027529915173}],"sentiment":"neutral","sentiment_score":0.055267210635874,"channel":0,"num_words":9,"start":1369.815,"end":1371.995},{"sentences":[{"text":"Yeah.","start":1372.005,"end":1372.3251,"sentiment":"neutral","sentiment_score":0.14013074338436127},{"text":"That's 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one.","start":1377.095,"end":1379.0349,"sentiment":"neutral","sentiment_score":0.03922017337754369}],"sentiment":"neutral","sentiment_score":0.12337771104648709,"channel":0,"num_words":24,"start":1374.135,"end":1379.0349},{"sentences":[{"text":"Yep.","start":1379.27,"end":1379.77,"sentiment":"neutral","sentiment_score":0.030528221279382706}],"sentiment":"neutral","sentiment_score":0.030528221279382706,"channel":1,"num_words":1,"start":1379.27,"end":1379.77},{"sentences":[{"text":"And a few years down the line, some people actually forget their old 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much.","start":1410.7001,"end":1411.36,"sentiment":"positive","sentiment_score":0.859280526638031}],"sentiment":"positive","sentiment_score":0.859280526638031,"channel":1,"num_words":2,"start":1410.7001,"end":1411.36},{"sentences":[{"text":"Rachel.","start":1410.9869,"end":1411.4869,"sentiment":"positive","sentiment_score":0.4316774606704712},{"text":"Bye.","start":1411.5469,"end":1412.0469,"sentiment":"positive","sentiment_score":0.4033576250076294}],"sentiment":"positive","sentiment_score":0.4175175428390503,"channel":0,"num_words":2,"start":1410.9869,"end":1412.0469},{"sentences":[{"text":"Okay.","start":1411.8201,"end":1412.22,"sentiment":"positive","sentiment_score":0.3604024648666382},{"text":"Have a good day.","start":1412.22,"end":1412.9401,"sentiment":"positive","sentiment_score":0.593392550945282},{"text":"Bye.","start":1412.9401,"end":1413.4401,"sentiment":"neutral","sentiment_score":-0.10022380948066711}],"sentiment":"positive","sentiment_score":0.4389581431945165,"channel":1,"num_words":6,"start":1411.8201,"end":1413.4401}]},"summary":{"result":"success","short":"The adviser from Oakview updates Rachel's personal and financial information, updates her address and email address, and sends a review pack to her email. They discuss her goals for the next three years, her savings goals, bankruptcy and debt agreements, and her retirement plans. The agent provides insight into her retirement plans and retirement goals for the next three to five years, and emphasizes the importance of growth and maintaining a stable lifestyle for retirement. They also discuss estate planning and tax deduction benefits, and provide information on a completed tax file and financial services guide. The speaker plans to send a pack of documents to Rachel and update her information with Hub twenty four."},"intents":{"segments":[{"text":"I'm just calling you to go through your annual review. Yes. Awesome.","start_word":23,"end_word":34,"intents":[{"intent":"Review annual review","confidence_score":0.05085791}]},{"text":"Are you okay to confirm your date of birth and address, please? Yes. It's the 1976. And I don't know if I've updated my address with you. It's 906480 Woodwindale Road in South Hawthorne I'll probably have to update that one. Do you remember East.","start_word":79,"end_word":123,"intents":[{"intent":"Confirm address","confidence_score":0.32424992}]},{"text":"And I don't know if I've updated my address with you. It's 906480 Woodwindale Road in South Hawthorne I'll probably have to update that one. Do you remember East.","start_word":95,"end_word":123,"intents":[{"intent":"Update address","confidence_score":0.76923126},{"intent":"Verify address","confidence_score":0.006859689}]},{"text":"Could I just quickly take down that address again, please? I just wanna actually write it down so I can update details. So the new address?","start_word":334,"end_word":359,"intents":[{"intent":"Update address","confidence_score":0.08118626}]},{"text":"So is that from a marriage? Is that right? Yes.","start_word":625,"end_word":634,"intents":[{"intent":"Confirm marriage","confidence_score":0.083913155}]},{"text":"we can update your address and name as long as you're okay for us to certify, like, your marriage certificate and updated driver's license. Yeah.","start_word":681,"end_word":705,"intents":[{"intent":"Update address","confidence_score":0.48338613},{"intent":"Update email","confidence_score":0.18899621}]},{"text":"And driver's license. It's just our usual checks we do, like the the photo with the ID. I'll certify Mhmm. it as the adviser, and we can update everything in one one sweep. Yep.","start_word":723,"end_word":756,"intents":[{"intent":"Update driver's license","confidence_score":0.67743075}]},{"text":"able to look onto the documents with me while I go through them with you? Yeah.","start_word":807,"end_word":822,"intents":[{"intent":"Look at documents","confidence_score":0.044922154}]},{"text":"I might just go get my glasses because I'm getting blind. I'm Happens scared.","start_word":872,"end_word":885,"intents":[{"intent":"Inquire about glasses","confidence_score":0.0010222351}]},{"text":"So before I dive into these attachments with you, is there anything in particular you would like to get out of this year's review besides updating your details?","start_word":915,"end_word":942,"intents":[{"intent":"Update and discuss goals","confidence_score":0.024665665}]},{"text":"And you did have a goal there trying to save up to purchase a property as well.","start_word":1058,"end_word":1074,"intents":[{"intent":"Purchase property","confidence_score":0.101122916}]},{"text":"Would you have built up any kind of savings and deposit towards that that goal so far or still just trying to settle into the new groove? Just yeah.","start_word":1150,"end_word":1178,"intents":[{"intent":"Set up savings","confidence_score":0.0054823584}]},{"text":"Now I do only just have a couple last details to update, and I just wanna make sure our new system reflects correctly because we've converted all the data across. So Okay.","start_word":1235,"end_word":1266,"intents":[{"intent":"Update system reflect","confidence_score":0.051562857}]},{"text":"Is there anything in particular that you guys have for goals in the next three, five years that I haven't already captured in terms of the Mhmm. family No. plan?","start_word":1572,"end_word":1601,"intents":[{"intent":"Discuss plan and goals","confidence_score":0.00082719245}]},{"text":"Now you did go into a pretty high growth portfolio within Hub.","start_word":1882,"end_word":1893,"intents":[{"intent":"Discuss and review hub twenty four's growth portfolio","confidence_score":0.00006597277}]},{"text":"So most of your super is in growth assets, shares, Mhmm. property, gold, that kind of high risk, high return if that rings a bell. Yep.","start_word":1895,"end_word":1920,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.019261625}]},{"text":"So would you still then be focused on trying to get, I guess, as much growth out of the supers as you can at this point?","start_word":2218,"end_word":2243,"intents":[{"intent":"Maximize super growth","confidence_score":0.14191881}]},{"text":"And it's this this volatility that's going on where some sectors and countries are going up and some are going down. Does that make sense? Yes.","start_word":2795,"end_word":2820,"intents":[{"intent":"Address volatility","confidence_score":0.0018816305}]},{"text":"If you had to choose between low fee investments or paying a higher fee to try and get a higher return, do you have a strong leaning between one or the other? Yeah.","start_word":2954,"end_word":2986,"intents":[{"intent":"Evaluate options","confidence_score":0.0033697516}]},{"text":"Just in terms of estate planning, we did have three people listed as your beneficiaries, which is Joseph, Joshua, and Tazia. Yep.","start_word":3420,"end_word":3441,"intents":[{"intent":"Assess estate planning","confidence_score":0.00053249905}]},{"text":"So because of all of the cybersecurity issues that happened last year, we just wanna make sure we can get our client's consent for holding that number just Okay.","start_word":3841,"end_word":3869,"intents":[{"intent":"Confirm consent","confidence_score":0.17505665}]},{"text":"Any questions on that? No. No. All good.","start_word":3881,"end_word":3888,"intents":[{"intent":"Answer questions","confidence_score":0.3162526}]},{"text":"So if it's okay with you, I will go and do a little bit of research with the team to do that engine tune up on the super, and Yep. they'll probably get you booked in in a few weeks' time just so I can kind of show you what we're looking to change, make sure you're comfortable before we touch anything. Yep.","start_word":3890,"end_word":3952,"intents":[{"intent":"Schedule engine tune up","confidence_score":0.19838944}]},{"text":"Just that bit there where it says signed document. Is that for now? Or Yeah.","start_word":3980,"end_word":3994,"intents":[{"intent":"Obtain signed document","confidence_score":0.0008811899},{"intent":"Clarify signature","confidence_score":0.10015938}]},{"text":"It should let you either draw your signature on there or it'll try and stamp your name on there. Could you just let me know if it allows you to draw your signature? Hello there.","start_word":4024,"end_word":4058,"intents":[{"intent":"Correct signature","confidence_score":0.0008883358},{"intent":"Draw signature","confidence_score":0.03930778}]},{"text":"So if you can draw that one to match your I don't know if you remember your original signature before you updated your name. Yeah.","start_word":4126,"end_word":4150,"intents":[{"intent":"Recall previous signature","confidence_score":0.0022753992}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Rachel. It's Tommy here, senior adviser from Oakview. How are you going?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.24388912320137024},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.3653772473335266},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.2895139455795288},{"text":"I'm doing absolutely fantastic. I'm just calling you to go through your annual review. Yes. Awesome. Perfect.","start_word":19,"end_word":35,"sentiment":"positive","sentiment_score":0.5029988288879395},{"text":"Now before I shoot off your annual review pack to your email, are you okay for this call to be recorded? Yeah. That's fine. Yep. Mhmm. Perfect. And just for the usual security process, so I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Yes. It's the 1976. And I don't know if I've updated my address with you. It's 906480 Woodwindale Road in South Hawthorne I'll probably have to update that one. Do you remember East. what your previous one would have been? Sorry. I'm just going blank. 2207 oh, was it 207? I'm the same way with the moving 207. thirteen times. 20722 no. It was 227 Turek Road. Just trying to think of my unit number. That's really bad. I know it was Unit Level 2. So you were saying 20 two two seven Toorak Road, did you Yeah. say? Yes. Yep. And do you remember the suburb and postcode? Yes. So we would be at the South Yarra, and it was 4 what was that? 3 oh, goodness me. I'll put you I'm on sorry. the spot I was today. like, I apologize. no. It's all good. It's just hasn't And even one been last that thing long. I'll check, which will be easier, Yep. would be your email address. Yeah. So it's rachel.bert@gmail.com. Perfect. I think I think that was that two that zero adds seven up to two three two seven. full points Yeah. of ID. Yep. 90 Sorry. percent of an address and an email address definitely counts. It was 208. Mhmm. 208. There you go. There you go. And it was, yeah, Okay. 227. All that was correct. Yep. So I'm definitely Yeah.","start_word":36,"end_word":327,"sentiment":"neutral","sentiment_score":0.01087824298365501},{"text":"comfortable that it is you, Rachel.","start_word":328,"end_word":333,"sentiment":"positive","sentiment_score":0.4146520793437958},{"text":"Could I just quickly take down that address again, please? I just wanna actually write it down so I can update details. So the new address? Yes, please. Yes. So 9064. Nine zero 6 Yep. 480 Riversdale Road. 480 Riversdale Road And that's and in suburb. Hawthorne East. Hawthorne East. Hawthorne The postcode. East. Yep. Postcode is 3123. 3123. That's easy enough to remember. Yep. Now just quickly, I'm just gonna quickly do the old Google Maps just to make sure I've got the correct everything there. Yep. Riverdale Road, Hawthorne East 31239064 Yep. 80. I do Yep. have it here.","start_word":334,"end_word":434,"sentiment":"neutral","sentiment_score":0.08687331527471542},{"text":"Awesome.","start_word":435,"end_word":435,"sentiment":"positive","sentiment_score":0.5296213626861572},{"text":"Alright. So what I might do too, just after the review and everything is done, are you okay for me to see if we need to update your, like, your Superfund address as well? Yeah. Yep. That's fine. Yep. Let's have a squeeze. We have it set to yeah. We'll have to update the residential address. Are you okay for that to be your postal address too? Yeah. That's fine. Yep. I have Easy one done. other thing. I have changed my name recently. Does that Perfect. is that something I have to send to you? Or It depends. So once yep. everything that we do when it comes to superannuation is linked to, like, your ID, your driver's license. So have you updated Okay. surname, and does that reflect across all of your ID Some now? of it. Most of it. Some My, of it. Yeah. It is yeah, hard my to Medicare to tick and my, everything off. yeah, my Medicare, my driver's license, and my passport have been done. I just haven't been to the banks and all that sort of stuff yet. That's okay. So is that from a marriage? Is that right? Yes. Or Yes. That's right. Yep. okay. So instead of Lambert, what would be the new surname? Yark, y a r k. Y a r k, and that's married name. So if it's Mhmm. okay with you, I might send everything out into the one pack, and Yep. we can update your address and name as long as you're okay for us to certify, like, your marriage certificate and updated driver's license. Yeah. That's fine. Yep. Mhmm.","start_word":436,"end_word":709,"sentiment":"neutral","sentiment_score":0.04234464550866698},{"text":"Perfect.","start_word":710,"end_word":710,"sentiment":"positive","sentiment_score":0.517638087272644},{"text":"So I'll put that in for the team to organize with you. And driver's license. It's just our usual checks we do, like the the photo with the ID. I'll certify Mhmm. it as the adviser, and we can update everything in one one sweep. Yep.","start_word":711,"end_word":756,"sentiment":"neutral","sentiment_score":0.20648795366287231},{"text":"Awesome. Fantastic. Right. Perfect.","start_word":757,"end_word":760,"sentiment":"positive","sentiment_score":0.670193076133728},{"text":"Are you okay for the documents for today's review to come out matching the details on your hub 24 until we get that updated? Yeah. Yep. Okay. That's fine. Yep. K. Mhmm. I'm gonna pop this through to your Gmail address. Yep. Will you be Okay. able to look onto the documents with me while I go through them with you? Yeah. I'll just put you on speaker. That's perfectly fine. So I'm just sending out the annual review pack from our new system, which is Odoo. It'll give you a a set of attachments similar to a normal email, but there's also a digital authorization link as well. Okay. Yep. I might just go get my glasses because I'm getting blind. I'm Happens scared. to the best of us, Rachel. Stay with me. I'm sorry. Two seconds. That's okay? Okay. That will make it easier. Won't Perfect. be squinting. Yeah.","start_word":761,"end_word":911,"sentiment":"neutral","sentiment_score":0.05447123572230339},{"text":"Awesome. Cool.","start_word":912,"end_word":913,"sentiment":"positive","sentiment_score":0.4169589281082154},{"text":"So before I dive into these attachments with you, is there anything in particular you would like to get out of this year's review besides updating your details? I don't know at the moment. I I was having some thoughts today, but, no, just to, yeah, see how we go. Yeah. Yep. Just a bit of a general update, that kind of thing. Yeah. Mhmm. Okay. I'm just gonna briefly start with your goals here because I just wanna see how you were going with everything, and I'll update those too. You had some pretty big goals last time you Mhmm. spoke to Veronica about you just got married at the time, so now the details are updated. You guys were going to Europe, to Barcelona, and Paris. Did you end up going? We did. Yes.","start_word":914,"end_word":1049,"sentiment":"neutral","sentiment_score":0.044948454946279526},{"text":"Yeah. It was beautiful. Beautiful. Great to hear.","start_word":1050,"end_word":1057,"sentiment":"positive","sentiment_score":0.7217473983764648},{"text":"And you did have a goal there trying to save up to purchase a property as well. Yep. Yeah. Yeah. Mhmm. Cool. That's still your main focus for the next, say, three years or so? Yeah. Probably. Yeah. Yeah. K. And have you guys actually discussed any kind of figures about what type of property you're trying to purchase, or is it still a little bit far away for that? Yeah. We haven't at the moment. No. Just still going how we are at the moment, unfortunately. Yeah. No worries at all. Would you have built up any kind of savings and deposit towards that that goal so far or still just trying to settle into the new groove? Just yeah. It's just just settling into everything. So, I mean, I've got we've got savings there, but we're just, yeah, tripping away. Yeah. Perfect. Can I note down just maybe, like, a tentative figure in terms of cash savings for your file? $5.10, $15.50? About $30.35.","start_word":1058,"end_word":1223,"sentiment":"neutral","sentiment_score":-0.025955205783247948},{"text":"Oh, fantastic.","start_word":1224,"end_word":1225,"sentiment":"positive","sentiment_score":0.4606769979000091},{"text":"Yep. Mhmm.","start_word":1226,"end_word":1227,"sentiment":"neutral","sentiment_score":0.15381121635437012},{"text":"Well done, you guys. Excellent.","start_word":1228,"end_word":1232,"sentiment":"positive","sentiment_score":0.49825263023376465},{"text":"Alright. Now I do only just have a couple last details to update, and I just wanna make sure our new system reflects correctly because we've converted all the data across. So Okay. last couple of questions, then we'll dive right into the super if that's okay. Yep. Mhmm. We had you working as a service person driver for Kennett's, which Yes. I can still see their contributions coming through. Yeah. It looks like maybe your income's bumped up slightly. Would you still be on around 72,000, or do you know a bit of an updated annual salary? Mhmm. I haven't really looked at it. It'd be around that a little bit more, just a tiny bit, maybe. K. Do Yeah. you want me to put, like, 75 down for the time being just Yeah. as a bit Yep. of a yep. Yep.","start_word":1233,"end_word":1375,"sentiment":"neutral","sentiment_score":0.04653675911518244},{"text":"That'll Perfect. be fine.","start_word":1376,"end_word":1379,"sentiment":"positive","sentiment_score":0.3849893808364868},{"text":"Are you still able to put aside approximately 300 a week into savings towards that deposit? I think that's what we had last time. Yeah. I can. Yeah. Yeah. I'm talking a little bit black at the moment, but yeah. Yeah. It goes up and down with whatever's Yeah. blowing up on the news, doesn't it? That's it. Yep.","start_word":1380,"end_word":1438,"sentiment":"neutral","sentiment_score":0.04082115739583969},{"text":"Perfect.","start_word":1439,"end_word":1439,"sentiment":"positive","sentiment_score":0.43567848205566406},{"text":"Cool. And last couple of questions. Have you guys ever gone through, like, a bankruptcy or a part nine debt agreement before? No. No. That's more like an insolvency question. And did you end up putting in place, like, a will and a power of attorney for your estate planning? No. I haven't yet. No. Easy done. If it is helpful, I know it can be a bit daunting to try and find, like, a solicitor to put in place a will, but Mhmm. there's also public trustees of every state. So in Victoria, the the kind of courthouse does appointments for wills and power of attorneys, and the post office has government approved will kits, like, $25 if that helps as well. Yep. Mhmm.","start_word":1440,"end_word":1564,"sentiment":"neutral","sentiment_score":-0.020705321595072747},{"text":"Cool. Have a good one.","start_word":1565,"end_word":1569,"sentiment":"positive","sentiment_score":0.6857975721359253},{"text":"Yeah. Alright. Is there anything in particular that you guys have for goals in the next three, five years that I haven't already captured in terms of the Mhmm. family No. plan? Not really. Not at the moment. No. Fantastic. And I think we had you listed down as a nonsmoker. Is that correct? That's right. Yep.","start_word":1570,"end_word":1626,"sentiment":"neutral","sentiment_score":0.005314783658832312},{"text":"Perfect. So that's all lining up perfectly.","start_word":1627,"end_word":1633,"sentiment":"positive","sentiment_score":0.4768453538417816},{"text":"Now if you look at that email that I've sent you, you should see some attachments, like little PDF attachments there. And you have, like, a hub Yep. 24 should say hub twenty four IRR, so internal rate of return. That's Yeah. the Mhmm. main one I wanted to have a quick look at you with if that's okay. Yep.","start_word":1634,"end_word":1693,"sentiment":"neutral","sentiment_score":0.06007090210914612},{"text":"Awesome.","start_word":1694,"end_word":1694,"sentiment":"positive","sentiment_score":0.39040452241897583},{"text":"Yep.","start_word":1695,"end_word":1695,"sentiment":"neutral","sentiment_score":0.22846320271492004},{"text":"That's all Cool.","start_word":1696,"end_word":1698,"sentiment":"positive","sentiment_score":0.3839229941368103},{"text":"good. Rachel, do you log in to your hub twenty four every now and then, or is it more just when you when the reviews come along? Yeah. I haven't really. I mean, it is something I probably should do. I get the little emails all you know, every now and then to see how it's going. But yeah. I yeah. I haven't really looked into it. Perfect. So when I look at your account and I do a full review, I know that you were previously with Netwealth with us, and we moved you across just over a year ago into Hub twenty four. Does that ring a bell? Yes. Yeah. It does. Yep. Cool. So I'm looking at the original advice. Some pretty good news is that we Yeah. had a bit of a five year projection when you came on board to Mhmm. reach 92,000 after five years. Yeah. And at just over five years, you're sitting at a hundred and two thousand six thirty five currently.","start_word":1699,"end_word":1868,"sentiment":"neutral","sentiment_score":0.0891566127538681},{"text":"So pretty much just exceeded expectations for five years. Oh, very good.","start_word":1869,"end_word":1880,"sentiment":"positive","sentiment_score":0.46505051851272583},{"text":"Okay? Now you did go into a pretty high growth portfolio within Hub. So most of your super is in growth assets, shares, Mhmm. property, gold, that kind of high risk, high return if that rings a bell. Yep. Mhmm. Yeah. That's Yep. right. Yep. Now world kind of blown up, which has been for an interesting twelve months for you being in Hub twenty four. Good news is you're still positive for the year, about four and a half percent, but that previous portfolio that you were in in Netwealth, if you stayed there, you would have been in the negative.","start_word":1881,"end_word":1982,"sentiment":"neutral","sentiment_score":0.11662779076426635},{"text":"So it was definitely a good move.","start_word":1983,"end_word":1989,"sentiment":"positive","sentiment_score":0.4826299846172333},{"text":"Oh, good. Yeah.","start_word":1990,"end_word":1992,"sentiment":"neutral","sentiment_score":0.3156379461288452},{"text":"That's excellent.","start_word":1993,"end_word":1994,"sentiment":"positive","sentiment_score":0.5519793629646301},{"text":"But we're still not out of the woods just yet. Like, I think that this situation is probably gonna last throughout the year, pretty Yep. much. So our general plan there is because you do have so many years until retirement that we kind of use these dips as a bit of a buying opportunity. Your contributions Right. come in from work. If the market dips a little bit, we can buy some shares and property for a cheaper price. And when the Mhmm. market goes up, you get those bigger returns on the way up. Right. Yep. Mhmm. K? So generally speaking, high growth, you wanna average at about 10% plus per year. Some years, you'll go up ten, twenty, 30. Once every seven years, there's gonna be a crash, and it's gonna drop 20 or 30%. But it should average out in double digits. Does that make sense? Yes. Yeah. Mhmm. K. So do you have a preference between, I guess, retiring early towards the age of 60 when you can access your super, or are you okay to kind of work through a little bit more slow and steady into those later years? I mean, it would be nice to retire earlier, but my husband's younger than me, so I'll probably work a little bit longer. Yep. Yeah. Yep. So would you still then be focused on trying to get, I guess, as much growth out of the supers as you can at this point? Like, what would you say your main priority is at the moment?","start_word":1995,"end_word":2254,"sentiment":"neutral","sentiment_score":0.05012994640721725},{"text":"That's a hard one because I don't really know.","start_word":2255,"end_word":2263,"sentiment":"negative","sentiment_score":-0.4275023341178894},{"text":"I don't yeah.","start_word":2264,"end_word":2266,"sentiment":"neutral","sentiment_score":-0.2884562909603119},{"text":"I don't I I I honestly don't know.","start_word":2267,"end_word":2274,"sentiment":"negative","sentiment_score":-0.3468191921710968},{"text":"I don't yeah. I don't even know. I haven't discussed my super really properly with anyone. I don't yeah.","start_word":2275,"end_word":2293,"sentiment":"neutral","sentiment_score":-0.26786577701568604},{"text":"I'm sort of stuck.","start_word":2294,"end_word":2297,"sentiment":"negative","sentiment_score":-0.49238452315330505},{"text":"I don't even know No. how to That's totally fine. yeah.","start_word":2298,"end_word":2308,"sentiment":"neutral","sentiment_score":-0.1305263638496399},{"text":"That's part of part of what I'm here to do as well.","start_word":2309,"end_word":2320,"sentiment":"positive","sentiment_score":0.3649719059467316},{"text":"Because once you hit that 60, you can start accessing your super. That's your preservation age. And Mhmm. I mentioned before that every seven years or so, we have a stock market crash. There's a financial Yeah. crisis, COVID, that type of thing. Mhmm. That pretty much means that if you go middle of the road towards the mid sixties, you've got about fourteen years to build up the super. Okay. Yep. Mhmm. So if you split that into seven year cycles, it means you have one market cycle to get as much growth as you can and then one cycle where we have to start protecting your super, Yep. gradually Right. reducing the risk as you get closer. Because you probably don't wanna Yes. be high risk at 63, and you lose half of it in the stock market crash a year before you retire. Do you know what I mean? Yep. Yep. Yep. Mhmm. So as long as you're comfortable with the fact that it will go up and down like a bit of a roller coaster, Mhmm.","start_word":2321,"end_word":2500,"sentiment":"neutral","sentiment_score":0.02524443529546261},{"text":"I'm okay for you to keep focusing on the growth because, you know, your contributions are going in, get as much returns as you can.","start_word":2501,"end_word":2525,"sentiment":"positive","sentiment_score":0.47591325640678406},{"text":"And then once we get closer to retirement, we can start reducing the risk level gradually. Okay. Yep. Yep. What that kind of looks like is if you're at 90% shares and property now, that last seven years, you're probably gonna go eighty, seventy, sixty, fifty, forty percent, and then that's your pension account in your mid sixties. Okay. Yep. Mhmm. Does that I make sense? think so. Yeah. Yep. K. Now one thing that I wanted to sort of point out in that chart, the the Hub 24 charts are a bit big. Lots of figures all over them. Can you Yep. see the second page there, how it's just got one line in the table, whereas Yeah. the first page has a whole bunch of lines. Yep. Mhmm. So on that second page, on the very right hand side, that's your net return of that 4.4% after fees. Yep. K? If you go back up to that first page where you've got all of those different codes, that's all of your investment options that we have you in. Yeah. Okay. Yep. K? Now if you go on the right hand side, can you see how half of them have brackets around them and half of them don't in those percentages? Yes. Yeah. Mhmm. K? So anything with the percentage is a positive return for the option. Anything with the brackets is a negative return for the option. So you can kind of see they're offsetting each other. You've Okay. got Mhmm. your gold in the middle going up 23, but then your Indian shares going down 16%. And it's this this volatility that's going on where some sectors and countries are going up and some are going down. Does that make sense? Yes. Yeah. K. So long term, that should all be okay. It might be worth doing a little bit of an update to some of these options just to make sure it's a a bit of an oil change and going correctly, if that's okay. Right. Yeah. Yep. Mhmm. K? So if you'll still because, again, a 102,000, that's not gonna get you a crazy retirement for twenty, thirty years and and all the riches in the world. So, Yep.","start_word":2526,"end_word":2899,"sentiment":"neutral","sentiment_score":0.028975206910679865},{"text":"yes, try and grow it as much as we can.","start_word":2900,"end_word":2909,"sentiment":"positive","sentiment_score":0.4567395150661469},{"text":"Along the way there, I just need to tune up a few of those options every now and then. Right. Okay. Yep. Mhmm. K? Now this there's no wrong answer here. This is really gut feeling. I've got one question for you. Yeah. Mhmm. If you had to choose between low fee investments or paying a higher fee to try and get a higher return, do you have a strong leaning between one or the other? Yeah. I don't I don't yeah. Something I need to really discuss with my husband. I'm not a 100% sure. Like, I I don't know. It's And not that's actually a fine answer too. Sometimes when I ask that question, clients have a pretty big, like, oh my god. No. No. It has to be this one. It has to be that one. And yeah. if that's the case, then I can kind of change the style of your options, if that makes sense. Mhmm. Now if you don't have a strong leaning one way or the other, you're actually in a blend of both currently. So Right.","start_word":2910,"end_word":3093,"sentiment":"neutral","sentiment_score":0.003765954868867994},{"text":"if you're okay with that and we Yep. can still keep you on track, I will keep it in the same style.","start_word":3094,"end_word":3115,"sentiment":"positive","sentiment_score":0.4469254612922669},{"text":"Yep. Okay.","start_word":3116,"end_word":3117,"sentiment":"neutral","sentiment_score":0.2610809803009033},{"text":"Yep. That sounds Cool. Perfect. So I'll do a little bit of an update there, keep good. it within the high growth.","start_word":3118,"end_word":3139,"sentiment":"positive","sentiment_score":0.5157343745231628},{"text":"Yeah. Now Mhmm. because you are focusing so much on that property purchase, I do have to ask the question if you wanna look at doing some salary sacrifice into your super, boost it up that way as well with the tax difference on the contributions, put a little extra in, or would you prefer to just let the the investments do the heavy lifting while you're saving up for that house? I might like to leave it for now. Yep. Maybe. Yeah. Yeah.","start_word":3140,"end_word":3223,"sentiment":"neutral","sentiment_score":0.10884413655315128},{"text":"Because One of yeah. the things that would be really good for you, I think, is that if you're still trying to purchase that home, you can pretty much let that high growth do most of the heavy lifting for that first seven years.","start_word":3224,"end_word":3267,"sentiment":"positive","sentiment_score":0.46422278881073},{"text":"Mhmm. Once you hit 60 plus, we can do a couple of other little strategies. Right. Yep. Okay.","start_word":3268,"end_word":3285,"sentiment":"neutral","sentiment_score":0.204798623919487},{"text":"So when you hit 60, if you're not gonna retire for another four or five years, we can actually pull up to 10% of your super out, put Yep. it back in for a tax deduction, and the difference in the taxes can boost up your super without costing you anything in the pocket.","start_word":3286,"end_word":3339,"sentiment":"positive","sentiment_score":0.3652809262275696},{"text":"Alright. Okay. Yep. So what I'm gathering here is just kind of like preferences. So I can say, okay. I'll focus on the high growth returns for now. We won't do any salary sacrifice because you've got other priorities. And Yep. then once we get to the later years, we can engage in a few extra strategies on top. Yep. Okay? Okay. Yep. Yep.","start_word":3340,"end_word":3403,"sentiment":"neutral","sentiment_score":0.12614409625530243},{"text":"Perfect.","start_word":3404,"end_word":3404,"sentiment":"positive","sentiment_score":0.47042351961135864},{"text":"So I will craft all this together for you for a bit of an update. Just in terms of estate planning, we did have three people listed as your beneficiaries, which is Joseph, Joshua, and Tazia. Yep. Mhmm. Split between 50%, 25, and 25. Is that still okay? Yeah. That's fine. Yep.","start_word":3405,"end_word":3456,"sentiment":"neutral","sentiment_score":0.1498306393623352},{"text":"Perfecto.","start_word":3457,"end_word":3457,"sentiment":"positive","sentiment_score":0.3471587598323822},{"text":"And I think the last thing I was looking at was I don't believe you have any, like, insurances in place. There's no life insurance or anything that I can see at the moment. Does that make sense? Yeah. Yep. Mhmm. Yep. Were you wanting me to get any quotes for any type of insurances or protection this year? Not at the moment. No. I think we're good.","start_word":3458,"end_word":3525,"sentiment":"neutral","sentiment_score":-0.07183470407172161},{"text":"Yeah. Perfect. So just keep trucking along.","start_word":3526,"end_word":3532,"sentiment":"positive","sentiment_score":0.46102428436279297},{"text":"We'll keep growing Mhmm. the super, let you guys focus on what you do best, and then we can revisit a few things in a few years. Yep. Yeah.","start_word":3533,"end_word":3561,"sentiment":"neutral","sentiment_score":0.2823309302330017},{"text":"Yeah. That'll be good. Cool.","start_word":3562,"end_word":3566,"sentiment":"positive","sentiment_score":0.5413454174995422},{"text":"Yep. Anything else you might want to talk about this review? Any other advice on your mind at the moment? Not that I can think of it. Just I had an email about signing something as well. Is that fees? Or So that pack that comes through, it does yep. include an updated service agreement for another twelve months, but I Okay. do have to ask if you're still comfortable for us to look after your super. Right. Yep. Yep.","start_word":3567,"end_word":3646,"sentiment":"neutral","sentiment_score":0.037319786846637726},{"text":"I'm pretty happy with that. Perfect.","start_word":3647,"end_word":3652,"sentiment":"positive","sentiment_score":0.5909046530723572},{"text":"Before you sign it, it does have the usual 1.65%. That's the fee that gets split out onto little monthly payments throughout the super. And then because it's an expense in super, you get, like, a 15% rebate paid through the super as well. Sort of reduces the cost down a little bit. Okay. Yep. Mhmm. K? Now alongside that agreement there and the performance, we've included, like, an updated financial services guide. It's our updated licensing information. Okay. Yep. So who we are, what we can advise on, complaints, procedure, consumer protections, privacy policy, if anything pops up, that's kind of your holy bible for that information. Yep. Okay. Yep. Mhmm. K? Now, Rachel, that pretty much brings me towards the end of the review. Do you have any questions for me at this point? I don't think I do at the moment. No. I think I'm good.","start_word":3653,"end_word":3801,"sentiment":"neutral","sentiment_score":0.11133477091789246},{"text":"Perfect.","start_word":3802,"end_word":3802,"sentiment":"positive","sentiment_score":0.3717224001884461},{"text":"So what I'm gonna do is I'm gonna leave that one with you. There is one other document alongside that agreement. And Yes. just letting you know what it is, there's a tax file number opt in form. So because of all of the cybersecurity issues that happened last year, we just wanna make sure we can get our client's consent for holding that number just Okay. to make sure it's on that one form. Yeah. Mhmm. K. Any questions on that? No. No. All good.","start_word":3803,"end_word":3888,"sentiment":"neutral","sentiment_score":0.053758701092975085},{"text":"Cool.","start_word":3889,"end_word":3889,"sentiment":"positive","sentiment_score":0.3440428376197815},{"text":"So if it's okay with you, I will go and do a little bit of research with the team to do that engine tune up on the super, and Yep. they'll probably get you booked in in a few weeks' time just so I can kind of show you what we're looking to change, make sure you're comfortable before we touch anything. Yep.","start_word":3890,"end_word":3952,"sentiment":"neutral","sentiment_score":0.2364933043718338},{"text":"Alright. And that sounds good. Cool. I do really appreciate you taking the time to talk to me today.","start_word":3953,"end_word":3971,"sentiment":"positive","sentiment_score":0.6599825620651245},{"text":"Any last questions before I let you go? Just that bit there where it says signed document. Is that for now? Or Yeah. So that's if you can yeah. give that one a sign now, that's for remaining advisers on your account and that tax file number doc. Okay. Yeah. Right. Yeah. It should let you either draw your signature on there or it'll try and stamp your name on there. Could you just let me know if it allows you to draw your signature? Hello there. Oh, so it's oh, yeah. I can sign it. Yeah. Oh, can I? It says it's stamped at there, but when I press sign, it doesn't real yeah. Okay. Let's just understand one instead. It doesn't let you kind of put your finger on on that stamp and open up, like, a little drawing box. Oh, Oh, yeah. Draw. Yeah. Yeah. It does. Yeah. There we go. So if you can draw that one to match your I don't know if you remember your original signature before you updated your name. Yeah. Yeah. Mhmm. So if you could just try and draw it so it matches your Lambert signature, I Okay. will get the team to draft up all the documents for your address and name change to Okay. match up with hub twenty four. Is that okay? Yeah. That's fine. Yep.","start_word":3972,"end_word":4200,"sentiment":"neutral","sentiment_score":0.046657626773332406},{"text":"All good. Perfect.","start_word":4201,"end_word":4203,"sentiment":"positive","sentiment_score":0.5616387128829956},{"text":"Sometimes I know it can be fun when you get a form that says, hey. Draw your old signature in your new one. Yep. And a few years down the line, some people actually forget their old one. Yeah. Yeah. Fair enough. Yeah. Perfect. No. Alright, Rachel. So in between now and that booking, I'll get the team to kind of post out a bit of a pack, send you some information so we can get all your details updated with Hub twenty four. Yep.","start_word":4204,"end_word":4288,"sentiment":"neutral","sentiment_score":0.0869637057185173},{"text":"Okay. That sounds good. Awesome. Thank you so much for your time today, and Alright. we will probably be speaking to you in about a fortnight. Yep. Sounds good. Excellent. Thank you Thanks, very much. Rachel. Bye. Okay. Have a good day.","start_word":4289,"end_word":4330,"sentiment":"positive","sentiment_score":0.5648871660232544},{"text":"Bye.","start_word":4331,"end_word":4331,"sentiment":"neutral","sentiment_score":0.32423892617225647}],"average":{"sentiment":"neutral","sentiment_score":0.08386092552771936}}}}